id	sid	tid	token	lemma	pos
asfbr-230	1	1	copyright	copyright	NOUN
asfbr-230	1	2	©	©	PROPN
asfbr-230	1	3	cc	cc	PROPN
asfbr-230	1	4	-	-	PUNCT
asfbr-230	1	5	by	by	ADP
asfbr-230	1	6	-	-	PUNCT
asfbr-230	1	7	nc	nc	PROPN
asfbr-230	1	8	2019	2019	NUM
asfbr-230	1	9	,	,	PUNCT
asfbr-230	1	10	cribfb	cribfb	PROPN
asfbr-230	1	11	|	|	ADV
asfbr-230	1	12	afbr	afbr	PROPN
asfbr-230	1	13	asian	asian	ADJ
asfbr-230	1	14	finance	finance	PROPN
asfbr-230	1	15	&	&	CCONJ
asfbr-230	1	16	banking	banking	PROPN
asfbr-230	1	17	review	review	PROPN
asfbr-230	1	18	;	;	PUNCT
asfbr-230	1	19	vol	vol	NOUN
asfbr-230	1	20	.	.	PROPN
asfbr-230	2	1	3	3	NUM
asfbr-230	2	2	,	,	PUNCT
asfbr-230	2	3	no	no	INTJ
asfbr-230	2	4	.	.	NOUN
asfbr-230	2	5	1	1	NUM
asfbr-230	2	6	;	;	PUNCT
asfbr-230	2	7	2019	2019	NUM
asfbr-230	2	8	issn	issn	VERB
asfbr-230	2	9	2576	2576	NUM
asfbr-230	2	10	-	-	SYM
asfbr-230	2	11	1161	1161	NUM
asfbr-230	2	12	e	e	NOUN
asfbr-230	2	13	-	-	NOUN
asfbr-230	2	14	issn	issn	VERB
asfbr-230	2	15	2576	2576	NUM
asfbr-230	2	16	-	-	SYM
asfbr-230	2	17	1188	1188	NUM
asfbr-230	2	18	research	research	NOUN
asfbr-230	2	19	article	article	NOUN
asfbr-230	2	20	published	publish	VERB
asfbr-230	2	21	by	by	ADP
asfbr-230	2	22	centre	centre	NOUN
asfbr-230	2	23	for	for	ADP
asfbr-230	2	24	research	research	NOUN
asfbr-230	2	25	on	on	ADP
asfbr-230	2	26	islamic	islamic	ADJ
asfbr-230	2	27	banking	banking	PROPN
asfbr-230	2	28	&	&	CCONJ
asfbr-230	2	29	finance	finance	PROPN
asfbr-230	2	30	and	and	CCONJ
asfbr-230	2	31	business	business	NOUN
asfbr-230	2	32	,	,	PUNCT
asfbr-230	2	33	usa	usa	PROPN
asfbr-230	2	34	1	1	NUM
asfbr-230	2	35	collision	collision	NOUN
asfbr-230	2	36	of	of	ADP
asfbr-230	2	37	npls	npls	NOUN
asfbr-230	2	38	on	on	ADP
asfbr-230	2	39	the	the	DET
asfbr-230	2	40	financial	financial	ADJ
asfbr-230	2	41	performance	performance	NOUN
asfbr-230	2	42	of	of	ADP
asfbr-230	2	43	commercial	commercial	ADJ
asfbr-230	2	44	banks	bank	NOUN
asfbr-230	2	45	:	:	PUNCT
asfbr-230	2	46	a	a	DET
asfbr-230	2	47	case	case	NOUN
asfbr-230	2	48	study	study	NOUN
asfbr-230	2	49	of	of	ADP
asfbr-230	2	50	ethiopia	ethiopia	PROPN
asfbr-230	2	51	hailu	hailu	VERB
asfbr-230	2	52	megersa	megersa	PROPN
asfbr-230	2	53	tola	tola	PROPN
asfbr-230	2	54	dean	dean	PROPN
asfbr-230	2	55	college	college	PROPN
asfbr-230	2	56	of	of	ADP
asfbr-230	2	57	business	business	NOUN
asfbr-230	2	58	and	and	CCONJ
asfbr-230	2	59	economics	economic	NOUN
asfbr-230	2	60	ambo	ambo	PROPN
asfbr-230	2	61	university	university	PROPN
asfbr-230	2	62	ethiopia	ethiopia	PROPN
asfbr-230	2	63	d.	d.	PROPN
asfbr-230	2	64	guna	guna	PROPN
asfbr-230	2	65	sankar	sankar	PROPN
asfbr-230	2	66	department	department	PROPN
asfbr-230	2	67	of	of	ADP
asfbr-230	2	68	accounting	accounting	NOUN
asfbr-230	2	69	and	and	CCONJ
asfbr-230	2	70	finance	finance	NOUN
asfbr-230	2	71	ambo	ambo	ADJ
asfbr-230	2	72	university	university	NOUN
asfbr-230	2	73	ethiopia	ethiopia	PROPN
asfbr-230	2	74	abstract	abstract	ADJ
asfbr-230	2	75	credit	credit	NOUN
asfbr-230	2	76	risk	risk	NOUN
asfbr-230	2	77	in	in	ADP
asfbr-230	2	78	banking	banking	NOUN
asfbr-230	2	79	relates	relate	VERB
asfbr-230	2	80	to	to	ADP
asfbr-230	2	81	the	the	DET
asfbr-230	2	82	possibility	possibility	NOUN
asfbr-230	2	83	that	that	SCONJ
asfbr-230	2	84	loans	loan	NOUN
asfbr-230	2	85	will	will	AUX
asfbr-230	2	86	not	not	PART
asfbr-230	2	87	be	be	AUX
asfbr-230	2	88	paid	pay	VERB
asfbr-230	2	89	or	or	CCONJ
asfbr-230	2	90	that	that	SCONJ
asfbr-230	2	91	investments	investment	NOUN
asfbr-230	2	92	will	will	AUX
asfbr-230	2	93	deteriorate	deteriorate	VERB
asfbr-230	2	94	in	in	ADP
asfbr-230	2	95	quality	quality	NOUN
asfbr-230	2	96	or	or	CCONJ
asfbr-230	2	97	go	go	VERB
asfbr-230	2	98	in	in	ADV
asfbr-230	2	99	to	to	PART
asfbr-230	2	100	default	default	NOUN
asfbr-230	2	101	with	with	ADP
asfbr-230	2	102	resultant	resultant	NOUN
asfbr-230	2	103	loss	loss	NOUN
asfbr-230	2	104	to	to	ADP
asfbr-230	2	105	the	the	DET
asfbr-230	2	106	bank	bank	NOUN
asfbr-230	2	107	.	.	PUNCT
asfbr-230	3	1	this	this	PRON
asfbr-230	3	2	is	be	AUX
asfbr-230	3	3	the	the	DET
asfbr-230	3	4	most	most	ADV
asfbr-230	3	5	obvious	obvious	ADJ
asfbr-230	3	6	and	and	CCONJ
asfbr-230	3	7	most	most	ADV
asfbr-230	3	8	important	important	ADJ
asfbr-230	3	9	risk	risk	NOUN
asfbr-230	3	10	to	to	ADP
asfbr-230	3	11	the	the	DET
asfbr-230	3	12	banking	banking	NOUN
asfbr-230	3	13	industry	industry	NOUN
asfbr-230	3	14	in	in	ADP
asfbr-230	3	15	terms	term	NOUN
asfbr-230	3	16	of	of	ADP
asfbr-230	3	17	potential	potential	ADJ
asfbr-230	3	18	losses	loss	NOUN
asfbr-230	3	19	.	.	PUNCT
asfbr-230	4	1	credit	credit	NOUN
asfbr-230	4	2	risk	risk	NOUN
asfbr-230	4	3	is	be	AUX
asfbr-230	4	4	not	not	PART
asfbr-230	4	5	confined	confine	VERB
asfbr-230	4	6	to	to	ADP
asfbr-230	4	7	the	the	DET
asfbr-230	4	8	risk	risk	NOUN
asfbr-230	4	9	that	that	SCONJ
asfbr-230	4	10	borrowers	borrower	NOUN
asfbr-230	4	11	are	be	AUX
asfbr-230	4	12	unable	unable	ADJ
asfbr-230	4	13	to	to	PART
asfbr-230	4	14	pay	pay	VERB
asfbr-230	4	15	;	;	PUNCT
asfbr-230	4	16	it	it	PRON
asfbr-230	4	17	also	also	ADV
asfbr-230	4	18	includes	include	VERB
asfbr-230	4	19	the	the	DET
asfbr-230	4	20	risk	risk	NOUN
asfbr-230	4	21	of	of	ADP
asfbr-230	4	22	payments	payment	NOUN
asfbr-230	4	23	being	be	AUX
asfbr-230	4	24	delayed	delay	VERB
asfbr-230	4	25	,	,	PUNCT
asfbr-230	4	26	which	which	PRON
asfbr-230	4	27	can	can	AUX
asfbr-230	4	28	also	also	ADV
asfbr-230	4	29	cause	cause	VERB
asfbr-230	4	30	problems	problem	NOUN
asfbr-230	4	31	for	for	ADP
asfbr-230	4	32	the	the	DET
asfbr-230	4	33	bank	bank	NOUN
asfbr-230	4	34	.	.	PUNCT
asfbr-230	5	1	in	in	ADP
asfbr-230	5	2	order	order	NOUN
asfbr-230	5	3	to	to	PART
asfbr-230	5	4	protect	protect	VERB
asfbr-230	5	5	their	their	PRON
asfbr-230	5	6	own	own	ADJ
asfbr-230	5	7	interest	interest	NOUN
asfbr-230	5	8	and	and	CCONJ
asfbr-230	5	9	the	the	DET
asfbr-230	5	10	wealth	wealth	NOUN
asfbr-230	5	11	of	of	ADP
asfbr-230	5	12	bank	bank	NOUN
asfbr-230	5	13	depositors	depositor	NOUN
asfbr-230	5	14	,	,	PUNCT
asfbr-230	5	15	banks	bank	NOUN
asfbr-230	5	16	need	need	VERB
asfbr-230	5	17	to	to	PART
asfbr-230	5	18	investigate	investigate	VERB
asfbr-230	5	19	and	and	CCONJ
asfbr-230	5	20	monitor	monitor	VERB
asfbr-230	5	21	the	the	DET
asfbr-230	5	22	activities	activity	NOUN
asfbr-230	5	23	of	of	ADP
asfbr-230	5	24	the	the	PRON
asfbr-230	5	25	will	will	AUX
asfbr-230	5	26	be	be	AUX
asfbr-230	5	27	and	and	CCONJ
asfbr-230	5	28	existing	exist	VERB
asfbr-230	5	29	borrowers	borrower	NOUN
asfbr-230	5	30	.	.	PUNCT
asfbr-230	6	1	adequately	adequately	ADV
asfbr-230	6	2	managing	manage	VERB
asfbr-230	6	3	of	of	ADP
asfbr-230	6	4	those	those	DET
asfbr-230	6	5	risks	risk	NOUN
asfbr-230	6	6	related	relate	VERB
asfbr-230	6	7	with	with	ADP
asfbr-230	6	8	credit	credit	NOUN
asfbr-230	6	9	is	be	AUX
asfbr-230	6	10	critical	critical	ADJ
asfbr-230	6	11	for	for	ADP
asfbr-230	6	12	the	the	DET
asfbr-230	6	13	survival	survival	NOUN
asfbr-230	6	14	and	and	CCONJ
asfbr-230	6	15	growth	growth	NOUN
asfbr-230	6	16	of	of	ADP
asfbr-230	6	17	any	any	DET
asfbr-230	6	18	financial	financial	ADJ
asfbr-230	6	19	institution	institution	NOUN
asfbr-230	6	20	.	.	PUNCT
asfbr-230	7	1	the	the	DET
asfbr-230	7	2	present	present	ADJ
asfbr-230	7	3	case	case	NOUN
asfbr-230	7	4	study	study	NOUN
asfbr-230	7	5	projects	project	VERB
asfbr-230	7	6	the	the	DET
asfbr-230	7	7	effects	effect	NOUN
asfbr-230	7	8	of	of	ADP
asfbr-230	7	9	non	non	ADJ
asfbr-230	7	10	-	-	ADJ
asfbr-230	7	11	performing	perform	VERB
asfbr-230	7	12	assets	asset	NOUN
asfbr-230	7	13	on	on	ADP
asfbr-230	7	14	the	the	DET
asfbr-230	7	15	financial	financial	ADJ
asfbr-230	7	16	performance	performance	NOUN
asfbr-230	7	17	of	of	ADP
asfbr-230	7	18	commercial	commercial	ADJ
asfbr-230	7	19	banks	bank	NOUN
asfbr-230	7	20	in	in	ADP
asfbr-230	7	21	ethiopia	ethiopia	PROPN
asfbr-230	7	22	.	.	PUNCT
asfbr-230	8	1	keywords	keyword	NOUN
asfbr-230	8	2	:	:	PUNCT
asfbr-230	8	3	commercial	commercial	ADJ
asfbr-230	8	4	banks	bank	NOUN
asfbr-230	8	5	,	,	PUNCT
asfbr-230	8	6	effects	effect	NOUN
asfbr-230	8	7	,	,	PUNCT
asfbr-230	8	8	ethiopia	ethiopia	PROPN
asfbr-230	8	9	,	,	PUNCT
asfbr-230	8	10	financial	financial	ADJ
asfbr-230	8	11	performance	performance	NOUN
asfbr-230	8	12	,	,	PUNCT
asfbr-230	8	13	npls	npls	NOUN
asfbr-230	8	14	.	.	PUNCT
asfbr-230	9	1	1	1	X
asfbr-230	9	2	.	.	X
asfbr-230	9	3	introduction	introduction	NOUN
asfbr-230	9	4	a	a	DET
asfbr-230	9	5	non	non	ADJ
asfbr-230	9	6	-	-	ADJ
asfbr-230	9	7	performing	perform	VERB
asfbr-230	9	8	loan	loan	NOUN
asfbr-230	9	9	is	be	AUX
asfbr-230	9	10	a	a	DET
asfbr-230	9	11	loan	loan	NOUN
asfbr-230	9	12	that	that	PRON
asfbr-230	9	13	is	be	AUX
asfbr-230	9	14	in	in	ADP
asfbr-230	9	15	default	default	NOUN
asfbr-230	9	16	or	or	CCONJ
asfbr-230	9	17	close	close	ADJ
asfbr-230	9	18	to	to	ADP
asfbr-230	9	19	being	be	AUX
asfbr-230	9	20	in	in	ADP
asfbr-230	9	21	default	default	NOUN
asfbr-230	9	22	.	.	PUNCT
asfbr-230	10	1	banks	bank	NOUN
asfbr-230	10	2	face	face	VERB
asfbr-230	10	3	different	different	ADJ
asfbr-230	10	4	elements	element	NOUN
asfbr-230	10	5	of	of	ADP
asfbr-230	10	6	risk	risk	NOUN
asfbr-230	10	7	that	that	PRON
asfbr-230	10	8	require	require	VERB
asfbr-230	10	9	to	to	PART
asfbr-230	10	10	be	be	AUX
asfbr-230	10	11	identified	identify	VERB
asfbr-230	10	12	measured	measure	VERB
asfbr-230	10	13	and	and	CCONJ
asfbr-230	10	14	managed	manage	VERB
asfbr-230	10	15	.	.	PUNCT
asfbr-230	11	1	managing	manage	VERB
asfbr-230	11	2	these	these	DET
asfbr-230	11	3	risks	risk	NOUN
asfbr-230	11	4	is	be	AUX
asfbr-230	11	5	a	a	DET
asfbr-230	11	6	process	process	NOUN
asfbr-230	11	7	by	by	ADP
asfbr-230	11	8	which	which	PRON
asfbr-230	11	9	one	one	NOUN
asfbr-230	11	10	identifies	identify	VERB
asfbr-230	11	11	the	the	DET
asfbr-230	11	12	risk	risk	NOUN
asfbr-230	11	13	,	,	PUNCT
asfbr-230	11	14	measures	measure	NOUN
asfbr-230	11	15	and	and	CCONJ
asfbr-230	11	16	quantifies	quantifie	NOUN
asfbr-230	11	17	the	the	DET
asfbr-230	11	18	risk	risk	NOUN
asfbr-230	11	19	and	and	CCONJ
asfbr-230	11	20	develops	develop	VERB
asfbr-230	11	21	strategies	strategy	NOUN
asfbr-230	11	22	to	to	PART
asfbr-230	11	23	manage	manage	VERB
asfbr-230	11	24	the	the	DET
asfbr-230	11	25	risk	risk	NOUN
asfbr-230	11	26	.	.	PUNCT
asfbr-230	12	1	the	the	DET
asfbr-230	12	2	banking	banking	NOUN
asfbr-230	12	3	industry	industry	NOUN
asfbr-230	12	4	is	be	AUX
asfbr-230	12	5	facing	face	VERB
asfbr-230	12	6	different	different	ADJ
asfbr-230	12	7	types	type	NOUN
asfbr-230	12	8	of	of	ADP
asfbr-230	12	9	risks	risk	NOUN
asfbr-230	12	10	associated	associate	VERB
asfbr-230	12	11	with	with	ADP
asfbr-230	12	12	its	its	PRON
asfbr-230	12	13	functions	function	NOUN
asfbr-230	12	14	.	.	PUNCT
asfbr-230	13	1	but	but	CCONJ
asfbr-230	13	2	according	accord	VERB
asfbr-230	13	3	to	to	ADP
asfbr-230	13	4	van	van	PROPN
asfbr-230	13	5	gestel	gestel	PROPN
asfbr-230	13	6	&	&	CCONJ
asfbr-230	13	7	baesens	baesens	PROPN
asfbr-230	13	8	(	(	PUNCT
asfbr-230	13	9	2009	2009	NUM
asfbr-230	13	10	)	)	PUNCT
asfbr-230	13	11	,	,	PUNCT
asfbr-230	13	12	credit	credit	NOUN
asfbr-230	13	13	risk	risk	NOUN
asfbr-230	13	14	has	have	AUX
asfbr-230	13	15	been	be	AUX
asfbr-230	13	16	the	the	DET
asfbr-230	13	17	most	most	ADV
asfbr-230	13	18	principal	principal	NOUN
asfbr-230	13	19	and	and	CCONJ
asfbr-230	13	20	perhaps	perhaps	ADV
asfbr-230	13	21	the	the	DET
asfbr-230	13	22	most	most	ADV
asfbr-230	13	23	important	important	ADJ
asfbr-230	13	24	risk	risk	NOUN
asfbr-230	13	25	type	type	NOUN
asfbr-230	13	26	that	that	PRON
asfbr-230	13	27	has	have	AUX
asfbr-230	13	28	been	be	AUX
asfbr-230	13	29	present	present	ADJ
asfbr-230	13	30	in	in	ADP
asfbr-230	13	31	finance	finance	NOUN
asfbr-230	13	32	,	,	PUNCT
asfbr-230	13	33	commerce	commerce	NOUN
asfbr-230	13	34	and	and	CCONJ
asfbr-230	13	35	banks	bank	NOUN
asfbr-230	13	36	too	too	ADV
asfbr-230	13	37	.	.	PUNCT
asfbr-230	14	1	credit	credit	NOUN
asfbr-230	14	2	risk	risk	NOUN
asfbr-230	14	3	has	have	AUX
asfbr-230	14	4	been	be	AUX
asfbr-230	14	5	defined	define	VERB
asfbr-230	14	6	from	from	ADP
asfbr-230	14	7	different	different	ADJ
asfbr-230	14	8	perspectives	perspective	NOUN
asfbr-230	14	9	by	by	ADP
asfbr-230	14	10	different	different	ADJ
asfbr-230	14	11	researchers	researcher	NOUN
asfbr-230	14	12	and	and	CCONJ
asfbr-230	14	13	organizations	organization	NOUN
asfbr-230	14	14	.	.	PUNCT
asfbr-230	15	1	most	most	ADJ
asfbr-230	15	2	researchers	researcher	NOUN
asfbr-230	15	3	agreed	agree	VERB
asfbr-230	15	4	with	with	ADP
asfbr-230	15	5	the	the	DET
asfbr-230	15	6	definition	definition	NOUN
asfbr-230	15	7	given	give	VERB
asfbr-230	15	8	by	by	ADP
asfbr-230	15	9	basel	basel	PROPN
asfbr-230	15	10	(	(	PUNCT
asfbr-230	15	11	1999	1999	NUM
asfbr-230	15	12	)	)	PUNCT
asfbr-230	15	13	who	who	PRON
asfbr-230	15	14	defines	define	VERB
asfbr-230	15	15	it	it	PRON
asfbr-230	15	16	as	as	ADP
asfbr-230	15	17	the	the	DET
asfbr-230	15	18	potential	potential	NOUN
asfbr-230	15	19	that	that	SCONJ
asfbr-230	15	20	debtor	debtor	NOUN
asfbr-230	15	21	or	or	CCONJ
asfbr-230	15	22	counterparty	counterparty	NOUN
asfbr-230	15	23	default	default	NOUN
asfbr-230	15	24	in	in	ADP
asfbr-230	15	25	satisfying	satisfy	VERB
asfbr-230	15	26	contractually	contractually	ADV
asfbr-230	15	27	predetermined	predetermine	VERB
asfbr-230	15	28	obligation	obligation	NOUN
asfbr-230	15	29	according	accord	VERB
asfbr-230	15	30	to	to	ADP
asfbr-230	15	31	the	the	DET
asfbr-230	15	32	agreed	agree	VERB
asfbr-230	15	33	up	up	ADP
asfbr-230	15	34	on	on	ADP
asfbr-230	15	35	terms	term	NOUN
asfbr-230	15	36	.	.	PUNCT
asfbr-230	16	1	because	because	SCONJ
asfbr-230	16	2	failure	failure	NOUN
asfbr-230	16	3	of	of	ADP
asfbr-230	16	4	trading	trading	NOUN
asfbr-230	16	5	partner	partner	NOUN
asfbr-230	16	6	to	to	PART
asfbr-230	16	7	repay	repay	VERB
asfbr-230	16	8	its	its	PRON
asfbr-230	16	9	debts	debt	NOUN
asfbr-230	16	10	in	in	ADP
asfbr-230	16	11	full	full	ADJ
asfbr-230	16	12	can	can	AUX
asfbr-230	16	13	seriously	seriously	ADV
asfbr-230	16	14	damage	damage	VERB
asfbr-230	16	15	the	the	DET
asfbr-230	16	16	affair	affair	NOUN
asfbr-230	16	17	of	of	ADP
asfbr-230	16	18	the	the	DET
asfbr-230	16	19	other	other	ADJ
asfbr-230	16	20	partner	partner	NOUN
asfbr-230	16	21	,	,	PUNCT
asfbr-230	16	22	credit	credit	NOUN
asfbr-230	16	23	risk	risk	NOUN
asfbr-230	16	24	always	always	ADV
asfbr-230	16	25	has	have	AUX
asfbr-230	16	26	been	be	AUX
asfbr-230	16	27	the	the	DET
asfbr-230	16	28	vicinity	vicinity	NOUN
asfbr-230	16	29	of	of	ADP
asfbr-230	16	30	career	career	NOUN
asfbr-230	16	31	throughout	throughout	ADP
asfbr-230	16	32	the	the	DET
asfbr-230	16	33	world	world	NOUN
asfbr-230	16	34	(	(	PUNCT
asfbr-230	16	35	achoo	achoo	PROPN
asfbr-230	16	36	&	&	CCONJ
asfbr-230	16	37	tenguh	tenguh	PROPN
asfbr-230	16	38	,	,	PUNCT
asfbr-230	16	39	2008	2008	NUM
asfbr-230	16	40	)	)	PUNCT
asfbr-230	16	41	.	.	PUNCT
asfbr-230	17	1	according	accord	VERB
asfbr-230	17	2	to	to	ADP
asfbr-230	17	3	zewude	zewude	NOUN
asfbr-230	17	4	(	(	PUNCT
asfbr-230	17	5	2011	2011	NUM
asfbr-230	17	6	)	)	PUNCT
asfbr-230	17	7	,	,	PUNCT
asfbr-230	17	8	for	for	ADP
asfbr-230	17	9	banks	bank	NOUN
asfbr-230	17	10	,	,	PUNCT
asfbr-230	17	11	the	the	DET
asfbr-230	17	12	issue	issue	NOUN
asfbr-230	17	13	of	of	ADP
asfbr-230	17	14	credit	credit	NOUN
asfbr-230	17	15	risk	risk	NOUN
asfbr-230	17	16	is	be	AUX
asfbr-230	17	17	of	of	ADP
asfbr-230	17	18	even	even	ADV
asfbr-230	17	19	of	of	ADP
asfbr-230	17	20	greater	great	ADJ
asfbr-230	17	21	concern	concern	NOUN
asfbr-230	17	22	because	because	SCONJ
asfbr-230	17	23	of	of	ADP
asfbr-230	17	24	the	the	DET
asfbr-230	17	25	higher	high	ADJ
asfbr-230	17	26	level	level	NOUN
asfbr-230	17	27	of	of	ADP
asfbr-230	17	28	perceived	perceive	VERB
asfbr-230	17	29	risk	risk	NOUN
asfbr-230	17	30	resulting	result	VERB
asfbr-230	17	31	from	from	ADP
asfbr-230	17	32	the	the	DET
asfbr-230	17	33	loan	loan	NOUN
asfbr-230	17	34	book	book	NOUN
asfbr-230	17	35	which	which	PRON
asfbr-230	17	36	is	be	AUX
asfbr-230	17	37	the	the	DET
asfbr-230	17	38	largest	large	ADJ
asfbr-230	17	39	asset	asset	NOUN
asfbr-230	17	40	for	for	ADP
asfbr-230	17	41	any	any	DET
asfbr-230	17	42	commercial	commercial	ADJ
asfbr-230	17	43	bank	bank	NOUN
asfbr-230	17	44	.	.	PUNCT
asfbr-230	18	1	even	even	ADV
asfbr-230	18	2	though	though	SCONJ
asfbr-230	18	3	credit	credit	NOUN
asfbr-230	18	4	creation	creation	NOUN
asfbr-230	18	5	is	be	AUX
asfbr-230	18	6	the	the	DET
asfbr-230	18	7	main	main	ADJ
asfbr-230	18	8	income	income	NOUN
asfbr-230	18	9	generating	generating	NOUN
asfbr-230	18	10	activity	activity	NOUN
asfbr-230	18	11	for	for	ADP
asfbr-230	18	12	commercial	commercial	ADJ
asfbr-230	18	13	banks	bank	NOUN
asfbr-230	18	14	,	,	PUNCT
asfbr-230	18	15	it	it	PRON
asfbr-230	18	16	involves	involve	VERB
asfbr-230	18	17	a	a	DET
asfbr-230	18	18	huge	huge	ADJ
asfbr-230	18	19	risk	risk	NOUN
asfbr-230	18	20	to	to	ADP
asfbr-230	18	21	both	both	DET
asfbr-230	18	22	the	the	DET
asfbr-230	18	23	banks	bank	NOUN
asfbr-230	18	24	and	and	CCONJ
asfbr-230	18	25	the	the	DET
asfbr-230	18	26	borrowers	borrower	NOUN
asfbr-230	18	27	.	.	PUNCT
asfbr-230	19	1	2	2	X
asfbr-230	19	2	.	.	X
asfbr-230	19	3	statement	statement	NOUN
asfbr-230	19	4	of	of	ADP
asfbr-230	19	5	the	the	DET
asfbr-230	19	6	problem	problem	NOUN
asfbr-230	19	7	banks	bank	NOUN
asfbr-230	19	8	are	be	AUX
asfbr-230	19	9	exposed	expose	VERB
asfbr-230	19	10	to	to	ADP
asfbr-230	19	11	risks	risk	NOUN
asfbr-230	19	12	like	like	ADP
asfbr-230	19	13	credit	credit	NOUN
asfbr-230	19	14	,	,	PUNCT
asfbr-230	19	15	market	market	NOUN
asfbr-230	19	16	,	,	PUNCT
asfbr-230	19	17	operational	operational	ADJ
asfbr-230	19	18	,	,	PUNCT
asfbr-230	19	19	interest	interest	NOUN
asfbr-230	19	20	rate	rate	NOUN
asfbr-230	19	21	and	and	CCONJ
asfbr-230	19	22	liquidity	liquidity	NOUN
asfbr-230	19	23	risk	risk	NOUN
asfbr-230	19	24	.	.	PUNCT
asfbr-230	20	1	the	the	DET
asfbr-230	20	2	appropriate	appropriate	ADJ
asfbr-230	20	3	management	management	NOUN
asfbr-230	20	4	of	of	ADP
asfbr-230	20	5	these	these	DET
asfbr-230	20	6	risks	risk	NOUN
asfbr-230	20	7	is	be	AUX
asfbr-230	20	8	a	a	DET
asfbr-230	20	9	key	key	ADJ
asfbr-230	20	10	issue	issue	NOUN
asfbr-230	20	11	to	to	PART
asfbr-230	20	12	reduce	reduce	VERB
asfbr-230	20	13	the	the	DET
asfbr-230	20	14	earnings	earning	NOUN
asfbr-230	20	15	risk	risk	NOUN
asfbr-230	20	16	of	of	ADP
asfbr-230	20	17	the	the	DET
asfbr-230	20	18	bank	bank	NOUN
asfbr-230	20	19	,	,	PUNCT
asfbr-230	20	20	and	and	CCONJ
asfbr-230	20	21	to	to	PART
asfbr-230	20	22	reduce	reduce	VERB
asfbr-230	20	23	the	the	DET
asfbr-230	20	24	risk	risk	NOUN
asfbr-230	20	25	that	that	SCONJ
asfbr-230	20	26	the	the	DET
asfbr-230	20	27	bank	bank	NOUN
asfbr-230	20	28	becomes	become	VERB
asfbr-230	20	29	insolvent	insolvent	ADJ
asfbr-230	20	30	and	and	CCONJ
asfbr-230	20	31	depositors	depositor	NOUN
asfbr-230	20	32	can	can	AUX
asfbr-230	20	33	not	not	PART
asfbr-230	20	34	be	be	AUX
asfbr-230	20	35	refunded	refund	VERB
asfbr-230	20	36	.	.	PUNCT
asfbr-230	21	1	banks	bank	NOUN
asfbr-230	21	2	use	use	VERB
asfbr-230	21	3	deposits	deposit	NOUN
asfbr-230	21	4	of	of	ADP
asfbr-230	21	5	their	their	PRON
asfbr-230	21	6	customers	customer	NOUN
asfbr-230	21	7	to	to	PART
asfbr-230	21	8	generate	generate	VERB
asfbr-230	21	9	credit	credit	NOUN
asfbr-230	21	10	for	for	ADP
asfbr-230	21	11	their	their	PRON
asfbr-230	21	12	borrowers	borrower	NOUN
asfbr-230	21	13	,	,	PUNCT
asfbr-230	21	14	which	which	PRON
asfbr-230	21	15	in	in	ADP
asfbr-230	21	16	fact	fact	NOUN
asfbr-230	21	17	is	be	AUX
asfbr-230	21	18	a	a	DET
asfbr-230	21	19	revenue	revenue	NOUN
asfbr-230	21	20	generating	generating	NOUN
asfbr-230	21	21	activity	activity	NOUN
asfbr-230	21	22	for	for	ADP
asfbr-230	21	23	the	the	DET
asfbr-230	21	24	banks	bank	NOUN
asfbr-230	21	25	themselves	themselves	PRON
asfbr-230	21	26	.	.	PUNCT
asfbr-230	22	1	this	this	DET
asfbr-230	22	2	credit	credit	NOUN
asfbr-230	22	3	creation	creation	NOUN
asfbr-230	22	4	process	process	NOUN
asfbr-230	22	5	exposes	expose	VERB
asfbr-230	22	6	the	the	DET
asfbr-230	22	7	banks	bank	NOUN
asfbr-230	22	8	to	to	ADP
asfbr-230	22	9	a	a	DET
asfbr-230	22	10	high	high	ADJ
asfbr-230	22	11	default	default	NOUN
asfbr-230	22	12	risk	risk	NOUN
asfbr-230	22	13	which	which	PRON
asfbr-230	22	14	might	might	AUX
asfbr-230	22	15	lead	lead	VERB
asfbr-230	22	16	to	to	ADP
asfbr-230	22	17	financial	financial	ADJ
asfbr-230	22	18	distress	distress	NOUN
asfbr-230	22	19	including	include	VERB
asfbr-230	22	20	bankruptcy	bankruptcy	NOUN
asfbr-230	22	21	.	.	PUNCT
asfbr-230	23	1	the	the	DET
asfbr-230	23	2	banks	bank	NOUN
asfbr-230	23	3	can	can	AUX
asfbr-230	23	4	either	either	CCONJ
asfbr-230	23	5	choose	choose	VERB
asfbr-230	23	6	from	from	ADP
asfbr-230	23	7	the	the	DET
asfbr-230	23	8	proposed	propose	VERB
asfbr-230	23	9	options	option	NOUN
asfbr-230	23	10	or	or	CCONJ
asfbr-230	23	11	employ	employ	VERB
asfbr-230	23	12	their	their	PRON
asfbr-230	23	13	own	own	ADJ
asfbr-230	23	14	as	as	ADV
asfbr-230	23	15	long	long	ADV
asfbr-230	23	16	as	as	SCONJ
asfbr-230	23	17	it	it	PRON
asfbr-230	23	18	gives	give	VERB
asfbr-230	23	19	sound	sound	ADJ
asfbr-230	23	20	and	and	CCONJ
asfbr-230	23	21	fair	fair	ADJ
asfbr-230	23	22	results	result	NOUN
asfbr-230	23	23	.	.	PUNCT
asfbr-230	24	1	the	the	DET
asfbr-230	24	2	importance	importance	NOUN
asfbr-230	24	3	of	of	ADP
asfbr-230	24	4	the	the	DET
asfbr-230	24	5	credit	credit	NOUN
asfbr-230	24	6	risk	risk	NOUN
asfbr-230	24	7	management	management	NOUN
asfbr-230	24	8	and	and	CCONJ
asfbr-230	24	9	its	its	PRON
asfbr-230	24	10	impact	impact	NOUN
asfbr-230	24	11	on	on	ADP
asfbr-230	24	12	performance	performance	NOUN
asfbr-230	24	13	has	have	AUX
asfbr-230	24	14	motivated	motivate	VERB
asfbr-230	24	15	researcher	researcher	NOUN
asfbr-230	24	16	to	to	PART
asfbr-230	24	17	pursue	pursue	VERB
asfbr-230	24	18	this	this	DET
asfbr-230	24	19	study	study	NOUN
asfbr-230	24	20	.	.	PUNCT
asfbr-230	25	1	the	the	DET
asfbr-230	25	2	research	research	NOUN
asfbr-230	25	3	assumes	assume	VERB
asfbr-230	25	4	that	that	SCONJ
asfbr-230	25	5	if	if	SCONJ
asfbr-230	25	6	the	the	DET
asfbr-230	25	7	credit	credit	NOUN
asfbr-230	25	8	risk	risk	NOUN
asfbr-230	25	9	management	management	NOUN
asfbr-230	25	10	is	be	AUX
asfbr-230	25	11	sound	sound	ADJ
asfbr-230	25	12	,	,	PUNCT
asfbr-230	25	13	the	the	DET
asfbr-230	25	14	performance	performance	NOUN
asfbr-230	25	15	(	(	PUNCT
asfbr-230	25	16	profit	profit	NOUN
asfbr-230	25	17	level	level	NOUN
asfbr-230	25	18	)	)	PUNCT
asfbr-230	25	19	was	be	AUX
asfbr-230	25	20	satisfactory	satisfactory	ADJ
asfbr-230	25	21	.	.	PUNCT
asfbr-230	26	1	the	the	DET
asfbr-230	26	2	other	other	ADJ
asfbr-230	26	3	way	way	NOUN
asfbr-230	26	4	around	around	ADV
asfbr-230	26	5	,	,	PUNCT
asfbr-230	26	6	if	if	SCONJ
asfbr-230	26	7	the	the	DET
asfbr-230	26	8	credit	credit	NOUN
asfbr-230	26	9	risk	risk	NOUN
asfbr-230	26	10	management	management	NOUN
asfbr-230	26	11	is	be	AUX
asfbr-230	26	12	poor	poor	ADJ
asfbr-230	26	13	,	,	PUNCT
asfbr-230	26	14	the	the	DET
asfbr-230	26	15	performance	performance	NOUN
asfbr-230	26	16	(	(	PUNCT
asfbr-230	26	17	profit	profit	NOUN
asfbr-230	26	18	level	level	NOUN
asfbr-230	26	19	)	)	PUNCT
asfbr-230	26	20	was	be	AUX
asfbr-230	26	21	copyright	copyright	NOUN
asfbr-230	26	22	©	©	PROPN
asfbr-230	26	23	cc	cc	NOUN
asfbr-230	26	24	-	-	PUNCT
asfbr-230	26	25	by	by	ADP
asfbr-230	26	26	-	-	PUNCT
asfbr-230	26	27	nc	nc	PROPN
asfbr-230	26	28	2019	2019	NUM
asfbr-230	26	29	,	,	PUNCT
asfbr-230	26	30	cribfb	cribfb	PROPN
asfbr-230	26	31	|	|	ADV
asfbr-230	26	32	afbr	afbr	ADV
asfbr-230	26	33	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	26	34	asian	asian	ADJ
asfbr-230	26	35	finance	finance	PROPN
asfbr-230	26	36	&	&	CCONJ
asfbr-230	26	37	banking	banking	PROPN
asfbr-230	26	38	review	review	PROPN
asfbr-230	26	39	vol	vol	NOUN
asfbr-230	26	40	.	.	PROPN
asfbr-230	27	1	3	3	NUM
asfbr-230	27	2	,	,	PUNCT
asfbr-230	27	3	no	no	INTJ
asfbr-230	27	4	.	.	NOUN
asfbr-230	27	5	1	1	NUM
asfbr-230	27	6	;	;	PUNCT
asfbr-230	27	7	2019	2019	NUM
asfbr-230	27	8	2	2	NUM
asfbr-230	27	9	relatively	relatively	ADV
asfbr-230	27	10	lower	low	ADJ
asfbr-230	27	11	.	.	PUNCT
asfbr-230	28	1	the	the	DET
asfbr-230	28	2	central	central	ADJ
asfbr-230	28	3	question	question	NOUN
asfbr-230	28	4	is	be	AUX
asfbr-230	28	5	how	how	SCONJ
asfbr-230	28	6	significant	significant	ADJ
asfbr-230	28	7	is	be	AUX
asfbr-230	28	8	the	the	DET
asfbr-230	28	9	impact	impact	NOUN
asfbr-230	28	10	of	of	ADP
asfbr-230	28	11	credit	credit	NOUN
asfbr-230	28	12	risk	risk	NOUN
asfbr-230	28	13	management	management	NOUN
asfbr-230	28	14	on	on	ADP
asfbr-230	28	15	performance	performance	NOUN
asfbr-230	28	16	(	(	PUNCT
asfbr-230	28	17	profitability	profitability	NOUN
asfbr-230	28	18	)	)	PUNCT
asfbr-230	28	19	.	.	PUNCT
asfbr-230	29	1	3	3	X
asfbr-230	29	2	.	.	X
asfbr-230	29	3	objectives	objective	NOUN
asfbr-230	29	4	of	of	ADP
asfbr-230	29	5	the	the	DET
asfbr-230	29	6	research	research	NOUN
asfbr-230	29	7			VERB
asfbr-230	29	8	the	the	DET
asfbr-230	29	9	general	general	ADJ
asfbr-230	29	10	objective	objective	NOUN
asfbr-230	29	11	of	of	ADP
asfbr-230	29	12	this	this	DET
asfbr-230	29	13	study	study	NOUN
asfbr-230	29	14	was	be	AUX
asfbr-230	29	15	to	to	PART
asfbr-230	29	16	assess	assess	VERB
asfbr-230	29	17	the	the	DET
asfbr-230	29	18	impact	impact	NOUN
asfbr-230	29	19	of	of	ADP
asfbr-230	29	20	npls	npls	NOUN
asfbr-230	29	21	on	on	ADP
asfbr-230	29	22	the	the	DET
asfbr-230	29	23	performance	performance	NOUN
asfbr-230	29	24	of	of	ADP
asfbr-230	29	25	selected	select	VERB
asfbr-230	29	26	commercial	commercial	ADJ
asfbr-230	29	27	banks	bank	NOUN
asfbr-230	29	28	in	in	ADP
asfbr-230	29	29	ethiopia	ethiopia	PROPN
asfbr-230	29	30	.	.	PUNCT
asfbr-230	30	1			VERB
asfbr-230	30	2	to	to	PART
asfbr-230	30	3	analyze	analyze	VERB
asfbr-230	30	4	the	the	DET
asfbr-230	30	5	impact	impact	NOUN
asfbr-230	30	6	of	of	ADP
asfbr-230	30	7	credit	credit	NOUN
asfbr-230	30	8	risk	risk	NOUN
asfbr-230	30	9	management	management	NOUN
asfbr-230	30	10	on	on	ADP
asfbr-230	30	11	the	the	DET
asfbr-230	30	12	performance	performance	NOUN
asfbr-230	30	13	of	of	ADP
asfbr-230	30	14	the	the	DET
asfbr-230	30	15	bank	bank	NOUN
asfbr-230	30	16	.	.	PUNCT
asfbr-230	31	1			PUNCT
asfbr-230	31	2	to	to	PART
asfbr-230	31	3	determine	determine	VERB
asfbr-230	31	4	the	the	DET
asfbr-230	31	5	relationship	relationship	NOUN
asfbr-230	31	6	between	between	ADP
asfbr-230	31	7	credit	credit	NOUN
asfbr-230	31	8	risk	risk	NOUN
asfbr-230	31	9	management	management	NOUN
asfbr-230	31	10	and	and	CCONJ
asfbr-230	31	11	performance	performance	NOUN
asfbr-230	31	12	in	in	ADP
asfbr-230	31	13	terms	term	NOUN
asfbr-230	31	14	of	of	ADP
asfbr-230	31	15	profit	profit	NOUN
asfbr-230	31	16	for	for	ADP
asfbr-230	31	17	the	the	DET
asfbr-230	31	18	commercial	commercial	ADJ
asfbr-230	31	19	banks	bank	NOUN
asfbr-230	31	20	in	in	ADP
asfbr-230	31	21	ethiopia	ethiopia	PROPN
asfbr-230	31	22	.	.	PUNCT
asfbr-230	32	1	4	4	X
asfbr-230	32	2	.	.	X
asfbr-230	32	3	hypotheses	hypothesis	NOUN
asfbr-230	32	4	of	of	ADP
asfbr-230	32	5	the	the	DET
asfbr-230	32	6	research	research	NOUN
asfbr-230	32	7	throughout	throughout	ADP
asfbr-230	32	8	the	the	DET
asfbr-230	32	9	research	research	NOUN
asfbr-230	32	10	,	,	PUNCT
asfbr-230	32	11	the	the	DET
asfbr-230	32	12	following	follow	VERB
asfbr-230	32	13	two	two	NUM
asfbr-230	32	14	hypotheses	hypothesis	NOUN
asfbr-230	32	15	were	be	AUX
asfbr-230	32	16	tested	test	VERB
asfbr-230	32	17	.	.	PUNCT
asfbr-230	33	1			PROPN
asfbr-230	34	1	h1	h1	PROPN
asfbr-230	34	2	:	:	PUNCT
asfbr-230	34	3	non	non	ADJ
asfbr-230	34	4	-	-	ADJ
asfbr-230	34	5	performing	perform	VERB
asfbr-230	34	6	loan	loan	NOUN
asfbr-230	34	7	ratio	ratio	NOUN
asfbr-230	34	8	(	(	PUNCT
asfbr-230	34	9	nplr	nplr	NOUN
asfbr-230	34	10	)	)	PUNCT
asfbr-230	34	11	has	have	VERB
asfbr-230	34	12	significant	significant	ADJ
asfbr-230	34	13	impact	impact	NOUN
asfbr-230	34	14	on	on	ADP
asfbr-230	34	15	the	the	DET
asfbr-230	34	16	performance	performance	NOUN
asfbr-230	34	17	of	of	ADP
asfbr-230	34	18	commercial	commercial	ADJ
asfbr-230	34	19	banks	bank	NOUN
asfbr-230	34	20	in	in	ADP
asfbr-230	34	21	ethiopia	ethiopia	PROPN
asfbr-230	34	22	.	.	PUNCT
asfbr-230	35	1			PROPN
asfbr-230	35	2	h2	h2	PROPN
asfbr-230	35	3	:	:	PUNCT
asfbr-230	35	4	capital	capital	NOUN
asfbr-230	35	5	adequacy	adequacy	NOUN
asfbr-230	35	6	ratio	ratio	NOUN
asfbr-230	35	7	(	(	PUNCT
asfbr-230	35	8	car	car	NOUN
asfbr-230	35	9	)	)	PUNCT
asfbr-230	35	10	has	have	VERB
asfbr-230	35	11	significant	significant	ADJ
asfbr-230	35	12	impact	impact	NOUN
asfbr-230	35	13	on	on	ADP
asfbr-230	35	14	the	the	DET
asfbr-230	35	15	performance	performance	NOUN
asfbr-230	35	16	of	of	ADP
asfbr-230	35	17	commercial	commercial	ADJ
asfbr-230	35	18	banks	bank	NOUN
asfbr-230	35	19	in	in	ADP
asfbr-230	35	20	ethiopia	ethiopia	PROPN
asfbr-230	35	21	.	.	PUNCT
asfbr-230	36	1	5	5	NUM
asfbr-230	36	2	.	.	NOUN
asfbr-230	36	3	significance	significance	NOUN
asfbr-230	36	4	of	of	ADP
asfbr-230	36	5	the	the	DET
asfbr-230	36	6	research	research	NOUN
asfbr-230	36	7	it	it	PRON
asfbr-230	36	8	was	be	AUX
asfbr-230	36	9	show	show	VERB
asfbr-230	36	10	the	the	DET
asfbr-230	36	11	impact	impact	NOUN
asfbr-230	36	12	of	of	ADP
asfbr-230	36	13	npls	npls	NOUN
asfbr-230	36	14	on	on	ADP
asfbr-230	36	15	bank	bank	NOUN
asfbr-230	36	16	performance	performance	NOUN
asfbr-230	36	17	;	;	PUNCT
asfbr-230	36	18	it	it	PRON
asfbr-230	36	19	was	be	AUX
asfbr-230	36	20	give	give	VERB
asfbr-230	36	21	a	a	DET
asfbr-230	36	22	motivation	motivation	NOUN
asfbr-230	36	23	to	to	ADP
asfbr-230	36	24	other	other	ADJ
asfbr-230	36	25	researchers	researcher	NOUN
asfbr-230	36	26	to	to	PART
asfbr-230	36	27	conduct	conduct	VERB
asfbr-230	36	28	a	a	DET
asfbr-230	36	29	research	research	NOUN
asfbr-230	36	30	about	about	ADP
asfbr-230	36	31	the	the	DET
asfbr-230	36	32	npl‟s	npl‟s	NUM
asfbr-230	36	33	practices	practice	NOUN
asfbr-230	36	34	in	in	ADP
asfbr-230	36	35	the	the	DET
asfbr-230	36	36	commercial	commercial	ADJ
asfbr-230	36	37	banks	bank	NOUN
asfbr-230	36	38	and	and	CCONJ
asfbr-230	36	39	it	it	PRON
asfbr-230	36	40	was	be	AUX
asfbr-230	36	41	useful	useful	ADJ
asfbr-230	36	42	for	for	ADP
asfbr-230	36	43	financial	financial	ADJ
asfbr-230	36	44	institutions	institution	NOUN
asfbr-230	36	45	by	by	ADP
asfbr-230	36	46	providing	provide	VERB
asfbr-230	36	47	information	information	NOUN
asfbr-230	36	48	about	about	ADP
asfbr-230	36	49	npls	npls	NOUN
asfbr-230	36	50	.	.	PUNCT
asfbr-230	37	1	6	6	X
asfbr-230	37	2	.	.	X
asfbr-230	37	3	scope	scope	NOUN
asfbr-230	37	4	of	of	ADP
asfbr-230	37	5	the	the	DET
asfbr-230	37	6	research	research	NOUN
asfbr-230	37	7	in	in	ADP
asfbr-230	37	8	ethiopia	ethiopia	PROPN
asfbr-230	37	9	,	,	PUNCT
asfbr-230	37	10	there	there	PRON
asfbr-230	37	11	were	be	VERB
asfbr-230	37	12	banks	bank	NOUN
asfbr-230	37	13	which	which	PRON
asfbr-230	37	14	give	give	VERB
asfbr-230	37	15	service	service	NOUN
asfbr-230	37	16	in	in	ADP
asfbr-230	37	17	number	number	NOUN
asfbr-230	37	18	twenty	twenty	NUM
asfbr-230	37	19	one	one	NUM
asfbr-230	37	20	.	.	PUNCT
asfbr-230	38	1	this	this	DET
asfbr-230	38	2	study	study	NOUN
asfbr-230	38	3	was	be	AUX
asfbr-230	38	4	limited	limit	VERB
asfbr-230	38	5	to	to	ADP
asfbr-230	38	6	a	a	DET
asfbr-230	38	7	manageable	manageable	ADJ
asfbr-230	38	8	of	of	ADP
asfbr-230	38	9	five	five	NUM
asfbr-230	38	10	banks	bank	NOUN
asfbr-230	38	11	in	in	ADP
asfbr-230	38	12	commercial	commercial	ADJ
asfbr-230	38	13	banks	bank	NOUN
asfbr-230	38	14	of	of	ADP
asfbr-230	38	15	ethiopia	ethiopia	PROPN
asfbr-230	38	16	and	and	CCONJ
asfbr-230	38	17	even	even	ADV
asfbr-230	38	18	if	if	SCONJ
asfbr-230	38	19	there	there	PRON
asfbr-230	38	20	were	be	VERB
asfbr-230	38	21	different	different	ADJ
asfbr-230	38	22	problems	problem	NOUN
asfbr-230	38	23	which	which	PRON
asfbr-230	38	24	need	need	VERB
asfbr-230	38	25	investigation	investigation	NOUN
asfbr-230	38	26	,	,	PUNCT
asfbr-230	38	27	the	the	DET
asfbr-230	38	28	aim	aim	NOUN
asfbr-230	38	29	of	of	ADP
asfbr-230	38	30	the	the	DET
asfbr-230	38	31	study	study	NOUN
asfbr-230	38	32	was	be	AUX
asfbr-230	38	33	to	to	PART
asfbr-230	38	34	to	to	PART
asfbr-230	38	35	assess	assess	VERB
asfbr-230	38	36	the	the	DET
asfbr-230	38	37	impact	impact	NOUN
asfbr-230	38	38	of	of	ADP
asfbr-230	38	39	npls	npls	NOUN
asfbr-230	38	40	on	on	ADP
asfbr-230	38	41	the	the	DET
asfbr-230	38	42	performance	performance	NOUN
asfbr-230	38	43	of	of	ADP
asfbr-230	38	44	selected	select	VERB
asfbr-230	38	45	commercial	commercial	ADJ
asfbr-230	38	46	banks	bank	NOUN
asfbr-230	38	47	in	in	ADP
asfbr-230	38	48	ethiopia	ethiopia	PROPN
asfbr-230	38	49	.	.	PUNCT
asfbr-230	39	1	these	these	DET
asfbr-230	39	2	researches	research	NOUN
asfbr-230	39	3	were	be	AUX
asfbr-230	39	4	limited	limit	VERB
asfbr-230	39	5	on	on	ADP
asfbr-230	39	6	the	the	DET
asfbr-230	39	7	measure	measure	NOUN
asfbr-230	39	8	of	of	ADP
asfbr-230	39	9	the	the	DET
asfbr-230	39	10	performance	performance	NOUN
asfbr-230	39	11	of	of	ADP
asfbr-230	39	12	commercial	commercial	ADJ
asfbr-230	39	13	banks	bank	NOUN
asfbr-230	39	14	in	in	ADP
asfbr-230	39	15	terms	term	NOUN
asfbr-230	39	16	of	of	ADP
asfbr-230	39	17	credit	credit	NOUN
asfbr-230	39	18	risk	risk	NOUN
asfbr-230	39	19	management	management	NOUN
asfbr-230	39	20	under	under	ADP
asfbr-230	39	21	the	the	DET
asfbr-230	39	22	selected	select	VERB
asfbr-230	39	23	sample	sample	NOUN
asfbr-230	39	24	.	.	PUNCT
asfbr-230	40	1	the	the	DET
asfbr-230	40	2	study	study	NOUN
asfbr-230	40	3	was	be	AUX
asfbr-230	40	4	employ	employ	VERB
asfbr-230	40	5	non	non	ADJ
asfbr-230	40	6	-	-	ADJ
asfbr-230	40	7	performing	perform	VERB
asfbr-230	40	8	loan	loan	NOUN
asfbr-230	40	9	ratio	ratio	NOUN
asfbr-230	40	10	/	/	SYM
asfbr-230	40	11	nplr/	nplr/	NUM
asfbr-230	40	12	and	and	CCONJ
asfbr-230	40	13	capital	capital	NOUN
asfbr-230	40	14	adequacy	adequacy	NOUN
asfbr-230	40	15	ratio	ratio	NOUN
asfbr-230	40	16	/	/	SYM
asfbr-230	40	17	car/	car/	NOUN
asfbr-230	40	18	as	as	ADP
asfbr-230	40	19	the	the	DET
asfbr-230	40	20	measuring	measure	VERB
asfbr-230	40	21	instruments	instrument	NOUN
asfbr-230	40	22	of	of	ADP
asfbr-230	40	23	credit	credit	NOUN
asfbr-230	40	24	risk	risk	NOUN
asfbr-230	40	25	management	management	NOUN
asfbr-230	40	26	and	and	CCONJ
asfbr-230	40	27	return	return	VERB
asfbr-230	40	28	on	on	ADP
asfbr-230	40	29	asset	asset	NOUN
asfbr-230	40	30	/roa/	/roa/	PUNCT
asfbr-230	40	31	as	as	ADP
asfbr-230	40	32	indicator	indicator	NOUN
asfbr-230	40	33	of	of	ADP
asfbr-230	40	34	performance	performance	NOUN
asfbr-230	40	35	in	in	ADP
asfbr-230	40	36	terms	term	NOUN
asfbr-230	40	37	of	of	ADP
asfbr-230	40	38	profit	profit	NOUN
asfbr-230	40	39	.	.	PUNCT
asfbr-230	41	1	7	7	X
asfbr-230	41	2	.	.	X
asfbr-230	41	3	limitations	limitation	NOUN
asfbr-230	41	4	of	of	ADP
asfbr-230	41	5	the	the	DET
asfbr-230	41	6	research	research	NOUN
asfbr-230	41	7	the	the	DET
asfbr-230	41	8	researcher	researcher	NOUN
asfbr-230	41	9	limited	limit	VERB
asfbr-230	41	10	this	this	DET
asfbr-230	41	11	study	study	NOUN
asfbr-230	41	12	to	to	ADP
asfbr-230	41	13	only	only	ADV
asfbr-230	41	14	five	five	NUM
asfbr-230	41	15	commercial	commercial	ADJ
asfbr-230	41	16	banks	bank	NOUN
asfbr-230	41	17	;	;	PUNCT
asfbr-230	41	18	the	the	DET
asfbr-230	41	19	study	study	NOUN
asfbr-230	41	20	was	be	AUX
asfbr-230	41	21	limited	limit	VERB
asfbr-230	41	22	to	to	ADP
asfbr-230	41	23	10	10	NUM
asfbr-230	41	24	years	year	NOUN
asfbr-230	41	25	of	of	ADP
asfbr-230	41	26	bank	bank	NOUN
asfbr-230	41	27	data	datum	NOUN
asfbr-230	41	28	and	and	CCONJ
asfbr-230	41	29	the	the	DET
asfbr-230	41	30	study	study	NOUN
asfbr-230	41	31	was	be	AUX
asfbr-230	41	32	based	base	VERB
asfbr-230	41	33	on	on	ADP
asfbr-230	41	34	secondary	secondary	ADJ
asfbr-230	41	35	data	datum	NOUN
asfbr-230	41	36	only	only	ADV
asfbr-230	41	37	.	.	PUNCT
asfbr-230	42	1	the	the	DET
asfbr-230	42	2	researcher	researcher	NOUN
asfbr-230	42	3	decided	decide	VERB
asfbr-230	42	4	to	to	PART
asfbr-230	42	5	limit	limit	VERB
asfbr-230	42	6	this	this	DET
asfbr-230	42	7	study	study	NOUN
asfbr-230	42	8	to	to	ADP
asfbr-230	42	9	commercial	commercial	ADJ
asfbr-230	42	10	banks	bank	NOUN
asfbr-230	42	11	of	of	ADP
asfbr-230	42	12	ethiopia	ethiopia	PROPN
asfbr-230	42	13	namely	namely	ADV
asfbr-230	42	14	,	,	PUNCT
asfbr-230	42	15	awash	awash	ADJ
asfbr-230	42	16	international	international	PROPN
asfbr-230	42	17	bank	bank	PROPN
asfbr-230	42	18	,	,	PUNCT
asfbr-230	42	19	bank	bank	PROPN
asfbr-230	42	20	of	of	ADP
asfbr-230	42	21	abyssinia	abyssinia	PROPN
asfbr-230	42	22	,	,	PUNCT
asfbr-230	42	23	nib	nib	VERB
asfbr-230	42	24	international	international	ADJ
asfbr-230	42	25	bank	bank	NOUN
asfbr-230	42	26	,	,	PUNCT
asfbr-230	42	27	dashen	dashen	PROPN
asfbr-230	42	28	bank	bank	PROPN
asfbr-230	42	29	and	and	CCONJ
asfbr-230	42	30	commercial	commercial	ADJ
asfbr-230	42	31	bank	bank	PROPN
asfbr-230	42	32	of	of	ADP
asfbr-230	42	33	ethiopia	ethiopia	PROPN
asfbr-230	42	34	.	.	PUNCT
asfbr-230	43	1	these	these	DET
asfbr-230	43	2	banks	bank	NOUN
asfbr-230	43	3	have	have	AUX
asfbr-230	43	4	been	be	AUX
asfbr-230	43	5	selected	select	VERB
asfbr-230	43	6	with	with	ADP
asfbr-230	43	7	criteria	criterion	NOUN
asfbr-230	43	8	taken	take	VERB
asfbr-230	43	9	as	as	ADP
asfbr-230	43	10	the	the	DET
asfbr-230	43	11	five	five	NUM
asfbr-230	43	12	banks	bank	NOUN
asfbr-230	43	13	from	from	ADP
asfbr-230	43	14	other	other	ADJ
asfbr-230	43	15	banks	bank	NOUN
asfbr-230	43	16	expected	expect	VERB
asfbr-230	43	17	to	to	PART
asfbr-230	43	18	have	have	VERB
asfbr-230	43	19	more	more	ADJ
asfbr-230	43	20	than	than	ADP
asfbr-230	43	21	ten	ten	NUM
asfbr-230	43	22	years	year	NOUN
asfbr-230	43	23	of	of	ADP
asfbr-230	43	24	experience	experience	NOUN
asfbr-230	43	25	on	on	ADP
asfbr-230	43	26	the	the	DET
asfbr-230	43	27	lending	lending	NOUN
asfbr-230	43	28	activities	activity	NOUN
asfbr-230	43	29	.	.	PUNCT
asfbr-230	44	1	8	8	X
asfbr-230	44	2	.	.	X
asfbr-230	44	3	sampling	sample	VERB
asfbr-230	44	4	design	design	NOUN
asfbr-230	44	5	the	the	DET
asfbr-230	44	6	researchers	researcher	NOUN
asfbr-230	44	7	selected	select	VERB
asfbr-230	44	8	five	five	NUM
asfbr-230	44	9	major	major	ADJ
asfbr-230	44	10	commercial	commercial	ADJ
asfbr-230	44	11	banks	bank	NOUN
asfbr-230	44	12	in	in	ADP
asfbr-230	44	13	ethiopia	ethiopia	PROPN
asfbr-230	44	14	and	and	CCONJ
asfbr-230	44	15	collected	collect	VERB
asfbr-230	44	16	the	the	DET
asfbr-230	44	17	necessary	necessary	ADJ
asfbr-230	44	18	data	datum	NOUN
asfbr-230	44	19	from	from	ADP
asfbr-230	44	20	each	each	DET
asfbr-230	44	21	bank	bank	NOUN
asfbr-230	44	22	.	.	PUNCT
asfbr-230	45	1	those	those	DET
asfbr-230	45	2	data	datum	NOUN
asfbr-230	45	3	was	be	AUX
asfbr-230	45	4	collected	collect	VERB
asfbr-230	45	5	from	from	ADP
asfbr-230	45	6	national	national	PROPN
asfbr-230	45	7	bank	bank	PROPN
asfbr-230	45	8	of	of	ADP
asfbr-230	45	9	ethiopia	ethiopia	PROPN
asfbr-230	45	10	annual	annual	ADJ
asfbr-230	45	11	report	report	NOUN
asfbr-230	45	12	from	from	ADP
asfbr-230	45	13	2007	2007	NUM
asfbr-230	45	14	to	to	ADP
asfbr-230	45	15	2016	2016	NUM
asfbr-230	45	16	,	,	PUNCT
asfbr-230	45	17	and	and	CCONJ
asfbr-230	45	18	used	use	VERB
asfbr-230	45	19	for	for	ADP
asfbr-230	45	20	regression	regression	NOUN
asfbr-230	45	21	purpose	purpose	NOUN
asfbr-230	45	22	.	.	PUNCT
asfbr-230	46	1	the	the	DET
asfbr-230	46	2	reason	reason	NOUN
asfbr-230	46	3	why	why	SCONJ
asfbr-230	46	4	the	the	DET
asfbr-230	46	5	researcher	researcher	NOUN
asfbr-230	46	6	purposively	purposively	ADV
asfbr-230	46	7	selects	select	VERB
asfbr-230	46	8	five	five	NUM
asfbr-230	46	9	banks	bank	NOUN
asfbr-230	46	10	is	be	AUX
asfbr-230	46	11	,	,	PUNCT
asfbr-230	46	12	to	to	PART
asfbr-230	46	13	have	have	VERB
asfbr-230	46	14	more	more	ADJ
asfbr-230	46	15	observations	observation	NOUN
asfbr-230	46	16	.	.	PUNCT
asfbr-230	47	1	for	for	SCONJ
asfbr-230	47	2	those	those	DET
asfbr-230	47	3	banks	bank	NOUN
asfbr-230	47	4	with	with	ADP
asfbr-230	47	5	10	10	NUM
asfbr-230	47	6	-	-	PUNCT
asfbr-230	47	7	year	year	NOUN
asfbr-230	47	8	life	life	NOUN
asfbr-230	47	9	span	span	NOUN
asfbr-230	47	10	is	be	AUX
asfbr-230	47	11	selected	select	VERB
asfbr-230	47	12	.	.	PUNCT
asfbr-230	48	1	therefore	therefore	ADV
asfbr-230	48	2	,	,	PUNCT
asfbr-230	48	3	there	there	PRON
asfbr-230	48	4	are	be	VERB
asfbr-230	48	5	50	50	NUM
asfbr-230	48	6	observations	observation	NOUN
asfbr-230	48	7	in	in	ADP
asfbr-230	48	8	the	the	DET
asfbr-230	48	9	regression	regression	NOUN
asfbr-230	48	10	analysis	analysis	NOUN
asfbr-230	48	11	.	.	PUNCT
asfbr-230	49	1	9	9	X
asfbr-230	49	2	.	.	X
asfbr-230	49	3	source	source	NOUN
asfbr-230	49	4	of	of	ADP
asfbr-230	49	5	data	datum	NOUN
asfbr-230	49	6	and	and	CCONJ
asfbr-230	49	7	data	datum	NOUN
asfbr-230	49	8	collection	collection	NOUN
asfbr-230	49	9	instrument	instrument	NOUN
asfbr-230	49	10	the	the	DET
asfbr-230	49	11	main	main	ADJ
asfbr-230	49	12	source	source	NOUN
asfbr-230	49	13	of	of	ADP
asfbr-230	49	14	data	datum	NOUN
asfbr-230	49	15	for	for	ADP
asfbr-230	49	16	the	the	DET
asfbr-230	49	17	study	study	NOUN
asfbr-230	49	18	was	be	AUX
asfbr-230	49	19	found	find	VERB
asfbr-230	49	20	from	from	ADP
asfbr-230	49	21	the	the	DET
asfbr-230	49	22	audited	audit	VERB
asfbr-230	49	23	balance	balance	NOUN
asfbr-230	49	24	sheet	sheet	NOUN
asfbr-230	49	25	and	and	CCONJ
asfbr-230	49	26	income	income	NOUN
asfbr-230	49	27	statement	statement	NOUN
asfbr-230	49	28	of	of	ADP
asfbr-230	49	29	five	five	NUM
asfbr-230	49	30	purposively	purposively	ADV
asfbr-230	49	31	selected	select	VERB
asfbr-230	49	32	banks	bank	NOUN
asfbr-230	49	33	.	.	PUNCT
asfbr-230	50	1	from	from	ADP
asfbr-230	50	2	those	those	DET
asfbr-230	50	3	banks	bank	NOUN
asfbr-230	50	4	,	,	PUNCT
asfbr-230	50	5	10	10	NUM
asfbr-230	50	6	consecutive	consecutive	ADJ
asfbr-230	50	7	years	year	NOUN
asfbr-230	50	8	of	of	ADP
asfbr-230	50	9	balance	balance	NOUN
asfbr-230	50	10	sheet	sheet	NOUN
asfbr-230	50	11	and	and	CCONJ
asfbr-230	50	12	income	income	NOUN
asfbr-230	50	13	statement	statement	NOUN
asfbr-230	50	14	report	report	NOUN
asfbr-230	50	15	were	be	AUX
asfbr-230	50	16	used	use	VERB
asfbr-230	50	17	for	for	ADP
asfbr-230	50	18	the	the	DET
asfbr-230	50	19	study	study	NOUN
asfbr-230	50	20	.	.	PUNCT
asfbr-230	51	1	in	in	ADP
asfbr-230	51	2	our	our	PRON
asfbr-230	51	3	country	country	NOUN
asfbr-230	51	4	it‟s	it‟s	PROPN
asfbr-230	51	5	a	a	DET
asfbr-230	51	6	must	must	NOUN
asfbr-230	51	7	for	for	SCONJ
asfbr-230	51	8	banks	bank	NOUN
asfbr-230	51	9	to	to	PART
asfbr-230	51	10	submit	submit	VERB
asfbr-230	51	11	its	its	PRON
asfbr-230	51	12	annual	annual	ADJ
asfbr-230	51	13	report	report	NOUN
asfbr-230	51	14	to	to	ADP
asfbr-230	51	15	the	the	DET
asfbr-230	51	16	nbe	nbe	NOUN
asfbr-230	51	17	not	not	PART
asfbr-230	51	18	only	only	ADV
asfbr-230	51	19	that	that	SCONJ
asfbr-230	51	20	they	they	PRON
asfbr-230	51	21	are	be	AUX
asfbr-230	51	22	supposed	suppose	VERB
asfbr-230	51	23	to	to	PART
asfbr-230	51	24	submit	submit	VERB
asfbr-230	51	25	their	their	PRON
asfbr-230	51	26	off	off	ADP
asfbr-230	51	27	balance	balance	NOUN
asfbr-230	51	28	sheet	sheet	NOUN
asfbr-230	51	29	too	too	ADV
asfbr-230	51	30	.	.	PUNCT
asfbr-230	52	1	so	so	ADV
asfbr-230	52	2	the	the	DET
asfbr-230	52	3	researcher„s	researcher„s	NOUN
asfbr-230	52	4	easily	easily	ADV
asfbr-230	52	5	gets	get	VERB
asfbr-230	52	6	annual	annual	ADJ
asfbr-230	52	7	reports	report	NOUN
asfbr-230	52	8	of	of	ADP
asfbr-230	52	9	all	all	DET
asfbr-230	52	10	selected	select	VERB
asfbr-230	52	11	banks	bank	NOUN
asfbr-230	52	12	from	from	ADP
asfbr-230	52	13	the	the	DET
asfbr-230	52	14	nbe	nbe	NOUN
asfbr-230	52	15	.	.	PROPN
asfbr-230	53	1	10	10	NUM
asfbr-230	53	2	.	.	PUNCT
asfbr-230	54	1	data	datum	NOUN
asfbr-230	54	2	analyzing	analyze	VERB
asfbr-230	54	3	instrument	instrument	NOUN
asfbr-230	54	4	the	the	DET
asfbr-230	54	5	data	datum	NOUN
asfbr-230	54	6	collected	collect	VERB
asfbr-230	54	7	from	from	ADP
asfbr-230	54	8	the	the	DET
asfbr-230	54	9	annual	annual	ADJ
asfbr-230	54	10	reports	report	NOUN
asfbr-230	54	11	of	of	ADP
asfbr-230	54	12	the	the	DET
asfbr-230	54	13	banks	bank	NOUN
asfbr-230	54	14	were	be	AUX
asfbr-230	54	15	analyzed	analyze	VERB
asfbr-230	54	16	using	use	VERB
asfbr-230	54	17	multiple	multiple	ADJ
asfbr-230	54	18	regression	regression	NOUN
asfbr-230	54	19	analysis	analysis	NOUN
asfbr-230	54	20	:	:	PUNCT
asfbr-230	54	21	the	the	DET
asfbr-230	54	22	relation	relation	NOUN
asfbr-230	54	23	of	of	ADP
asfbr-230	54	24	one	one	NUM
asfbr-230	54	25	dependent	dependent	ADJ
asfbr-230	54	26	variable	variable	NOUN
asfbr-230	54	27	to	to	ADP
asfbr-230	54	28	multiple	multiple	ADJ
asfbr-230	54	29	independent	independent	ADJ
asfbr-230	54	30	variables	variable	NOUN
asfbr-230	54	31	.	.	PUNCT
asfbr-230	55	1	the	the	DET
asfbr-230	55	2	regression	regression	NOUN
asfbr-230	55	3	output	output	NOUN
asfbr-230	55	4	was	be	AUX
asfbr-230	55	5	obtained	obtain	VERB
asfbr-230	55	6	using	use	VERB
asfbr-230	55	7	statistical	statistical	ADJ
asfbr-230	55	8	package	package	NOUN
asfbr-230	55	9	for	for	ADP
asfbr-230	55	10	social	social	ADJ
asfbr-230	55	11	sciences	science	NOUN
asfbr-230	55	12	(	(	PUNCT
asfbr-230	55	13	spss	spss	PROPN
asfbr-230	55	14	20	20	NUM
asfbr-230	55	15	version	version	NOUN
asfbr-230	55	16	)	)	PUNCT
asfbr-230	55	17	.	.	PUNCT
asfbr-230	56	1	11	11	NUM
asfbr-230	56	2	.	.	PUNCT
asfbr-230	56	3	model	model	NOUN
asfbr-230	56	4	specification	specification	NOUN
asfbr-230	56	5	in	in	ADP
asfbr-230	56	6	this	this	DET
asfbr-230	56	7	study	study	NOUN
asfbr-230	56	8	,	,	PUNCT
asfbr-230	56	9	multiple	multiple	ADJ
asfbr-230	56	10	regression	regression	NOUN
asfbr-230	56	11	models	model	NOUN
asfbr-230	56	12	with	with	ADP
asfbr-230	56	13	two	two	NUM
asfbr-230	56	14	independent	independent	ADJ
asfbr-230	56	15	variables	variable	NOUN
asfbr-230	56	16	were	be	AUX
asfbr-230	56	17	used	use	VERB
asfbr-230	56	18	.	.	PUNCT
asfbr-230	57	1	to	to	PART
asfbr-230	57	2	measure	measure	VERB
asfbr-230	57	3	for	for	ADP
asfbr-230	57	4	financial	financial	ADJ
asfbr-230	57	5	performance	performance	NOUN
asfbr-230	57	6	i.e.	i.e.	X
asfbr-230	57	7	roa	roa	PROPN
asfbr-230	57	8	(	(	PUNCT
asfbr-230	57	9	net	net	ADJ
asfbr-230	57	10	income	income	NOUN
asfbr-230	57	11	/	/	SYM
asfbr-230	57	12	total	total	NOUN
asfbr-230	57	13	asset	asset	NOUN
asfbr-230	57	14	):	):	PUNCT
asfbr-230	57	15	for	for	ADP
asfbr-230	57	16	credit	credit	NOUN
asfbr-230	57	17	risk	risk	NOUN
asfbr-230	57	18	management	management	NOUN
asfbr-230	57	19	are	be	AUX
asfbr-230	57	20	nplr	nplr	NOUN
asfbr-230	57	21	(	(	PUNCT
asfbr-230	57	22	non	non	ADJ
asfbr-230	57	23	-	-	ADJ
asfbr-230	57	24	performing	performing	ADJ
asfbr-230	57	25	loans	loan	NOUN
asfbr-230	57	26	/	/	SYM
asfbr-230	57	27	total	total	ADJ
asfbr-230	57	28	loans	loan	NOUN
asfbr-230	57	29	)	)	PUNCT
asfbr-230	57	30	and	and	CCONJ
asfbr-230	57	31	car	car	NOUN
asfbr-230	57	32	]	]	PUNCT
asfbr-230	57	33	respectively	respectively	ADV
asfbr-230	57	34	.	.	PUNCT
asfbr-230	58	1	12	12	NUM
asfbr-230	58	2	.	.	PUNCT
asfbr-230	59	1	inferential	inferential	ADJ
asfbr-230	59	2	analysis	analysis	NOUN
asfbr-230	59	3	of	of	ADP
asfbr-230	59	4	commercial	commercial	ADJ
asfbr-230	59	5	banks	bank	NOUN
asfbr-230	59	6	in	in	ADP
asfbr-230	59	7	ethiopia	ethiopia	PROPN
asfbr-230	59	8	12.1	12.1	NUM
asfbr-230	59	9	diagnostic	diagnostic	ADJ
asfbr-230	59	10	tests	test	NOUN
asfbr-230	59	11	here	here	ADV
asfbr-230	59	12	the	the	DET
asfbr-230	59	13	researcher	researcher	NOUN
asfbr-230	59	14	used	use	VERB
asfbr-230	59	15	regression	regression	NOUN
asfbr-230	59	16	command	command	NOUN
asfbr-230	59	17	for	for	ADP
asfbr-230	59	18	handling	handle	VERB
asfbr-230	59	19	the	the	DET
asfbr-230	59	20	regression	regression	NOUN
asfbr-230	59	21	.	.	PUNCT
asfbr-230	60	1	this	this	PRON
asfbr-230	60	2	is	be	AUX
asfbr-230	60	3	followed	follow	VERB
asfbr-230	60	4	by	by	ADP
asfbr-230	60	5	the	the	DET
asfbr-230	60	6	output	output	NOUN
asfbr-230	60	7	of	of	ADP
asfbr-230	60	8	these	these	DET
asfbr-230	60	9	spss	spss	PROPN
asfbr-230	60	10	commands	command	NOUN
asfbr-230	60	11	.	.	PUNCT
asfbr-230	61	1	copyright	copyright	NOUN
asfbr-230	61	2	©	©	PROPN
asfbr-230	61	3	cc	cc	PROPN
asfbr-230	61	4	-	-	PUNCT
asfbr-230	61	5	by	by	ADP
asfbr-230	61	6	-	-	PUNCT
asfbr-230	61	7	nc	nc	PROPN
asfbr-230	61	8	2019	2019	NUM
asfbr-230	61	9	,	,	PUNCT
asfbr-230	61	10	cribfb	cribfb	PROPN
asfbr-230	61	11	|	|	ADV
asfbr-230	61	12	afbr	afbr	ADV
asfbr-230	61	13	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	61	14	asian	asian	ADJ
asfbr-230	61	15	finance	finance	PROPN
asfbr-230	61	16	&	&	CCONJ
asfbr-230	61	17	banking	banking	PROPN
asfbr-230	61	18	review	review	PROPN
asfbr-230	61	19	vol	vol	NOUN
asfbr-230	61	20	.	.	PROPN
asfbr-230	62	1	3	3	NUM
asfbr-230	62	2	,	,	PUNCT
asfbr-230	62	3	no	no	INTJ
asfbr-230	62	4	.	.	NOUN
asfbr-230	62	5	1	1	NUM
asfbr-230	62	6	;	;	PUNCT
asfbr-230	62	7	2019	2019	NUM
asfbr-230	62	8	3	3	NUM
asfbr-230	62	9	table	table	NOUN
asfbr-230	62	10	1	1	NUM
asfbr-230	62	11	variables	variable	NOUN
asfbr-230	62	12	entered	enter	VERB
asfbr-230	62	13	/	/	SYM
asfbr-230	62	14	removedb	removedb	NOUN
asfbr-230	62	15	model	model	NOUN
asfbr-230	62	16	variables	variable	NOUN
asfbr-230	62	17	entered	enter	VERB
asfbr-230	62	18	variables	variable	NOUN
asfbr-230	62	19	removed	remove	VERB
asfbr-230	62	20	method	method	NOUN
asfbr-230	62	21	1	1	NUM
asfbr-230	62	22	car	car	NOUN
asfbr-230	62	23	,	,	PUNCT
asfbr-230	62	24	nplra	nplra	ADV
asfbr-230	62	25	.	.	PUNCT
asfbr-230	63	1	enter	enter	VERB
asfbr-230	63	2	a.	a.	NOUN
asfbr-230	63	3	all	all	PRON
asfbr-230	63	4	requested	request	VERB
asfbr-230	63	5	variables	variable	NOUN
asfbr-230	63	6	entered	enter	VERB
asfbr-230	63	7	.	.	PUNCT
asfbr-230	64	1	b.	b.	PROPN
asfbr-230	65	1	dependent	dependent	ADJ
asfbr-230	65	2	variable	variable	NOUN
asfbr-230	65	3	:	:	PUNCT
asfbr-230	65	4	roa	roa	PROPN
asfbr-230	65	5	source	source	NOUN
asfbr-230	65	6	:	:	PUNCT
asfbr-230	65	7	spss	spss	PROPN
asfbr-230	65	8	regression	regression	VERB
asfbr-230	65	9	out	out	ADP
asfbr-230	65	10	put	put	NOUN
asfbr-230	65	11	table	table	NOUN
asfbr-230	65	12	one	one	NUM
asfbr-230	65	13	shows	show	VERB
asfbr-230	65	14	the	the	DET
asfbr-230	65	15	variables	variable	NOUN
asfbr-230	65	16	entered	enter	VERB
asfbr-230	65	17	or	or	CCONJ
asfbr-230	65	18	variables	variable	NOUN
asfbr-230	65	19	removed	remove	VERB
asfbr-230	65	20	from	from	ADP
asfbr-230	65	21	the	the	DET
asfbr-230	65	22	study	study	NOUN
asfbr-230	65	23	at	at	ADP
asfbr-230	65	24	any	any	DET
asfbr-230	65	25	point	point	NOUN
asfbr-230	65	26	of	of	ADP
asfbr-230	65	27	time	time	NOUN
asfbr-230	65	28	from	from	ADP
asfbr-230	65	29	the	the	DET
asfbr-230	65	30	beginning	beginning	NOUN
asfbr-230	65	31	till	till	SCONJ
asfbr-230	65	32	the	the	DET
asfbr-230	65	33	end	end	NOUN
asfbr-230	65	34	of	of	ADP
asfbr-230	65	35	the	the	DET
asfbr-230	65	36	work	work	NOUN
asfbr-230	65	37	.	.	PUNCT
asfbr-230	66	1	as	as	SCONJ
asfbr-230	66	2	it	it	PRON
asfbr-230	66	3	is	be	AUX
asfbr-230	66	4	explained	explain	VERB
asfbr-230	66	5	the	the	DET
asfbr-230	66	6	variables	variable	NOUN
asfbr-230	66	7	entered	enter	VERB
asfbr-230	66	8	in	in	ADP
asfbr-230	66	9	column	column	NOUN
asfbr-230	66	10	two	two	NUM
asfbr-230	66	11	are	be	AUX
asfbr-230	66	12	independent	independent	ADJ
asfbr-230	66	13	variables	variable	NOUN
asfbr-230	66	14	of	of	ADP
asfbr-230	66	15	the	the	DET
asfbr-230	66	16	study	study	NOUN
asfbr-230	66	17	i.e.	i.e.	X
asfbr-230	66	18	,	,	PUNCT
asfbr-230	66	19	capital	capital	NOUN
asfbr-230	66	20	adequacy	adequacy	NOUN
asfbr-230	66	21	ratio	ratio	NOUN
asfbr-230	66	22	and	and	CCONJ
asfbr-230	66	23	non	non	ADJ
asfbr-230	66	24	-	-	ADJ
asfbr-230	66	25	performing	perform	VERB
asfbr-230	66	26	loan	loan	NOUN
asfbr-230	66	27	ratio	ratio	NOUN
asfbr-230	66	28	.	.	PUNCT
asfbr-230	67	1	since	since	SCONJ
asfbr-230	67	2	there	there	PRON
asfbr-230	67	3	was	be	VERB
asfbr-230	67	4	no	no	DET
asfbr-230	67	5	variable	variable	NOUN
asfbr-230	67	6	removed	remove	VERB
asfbr-230	67	7	from	from	ADP
asfbr-230	67	8	the	the	DET
asfbr-230	67	9	study	study	NOUN
asfbr-230	67	10	,	,	PUNCT
asfbr-230	67	11	variable	variable	ADJ
asfbr-230	67	12	removed	remove	VERB
asfbr-230	67	13	column	column	NOUN
asfbr-230	67	14	is	be	AUX
asfbr-230	67	15	free	free	ADJ
asfbr-230	67	16	.	.	PUNCT
asfbr-230	68	1	the	the	DET
asfbr-230	68	2	last	last	ADJ
asfbr-230	68	3	column	column	NOUN
asfbr-230	68	4	shows	show	VERB
asfbr-230	68	5	the	the	DET
asfbr-230	68	6	method	method	NOUN
asfbr-230	68	7	that	that	PRON
asfbr-230	68	8	was	be	AUX
asfbr-230	68	9	used	use	VERB
asfbr-230	68	10	by	by	ADP
asfbr-230	68	11	the	the	DET
asfbr-230	68	12	researcher	researcher	NOUN
asfbr-230	68	13	,	,	PUNCT
asfbr-230	68	14	enter	enter	VERB
asfbr-230	68	15	method	method	NOUN
asfbr-230	68	16	was	be	AUX
asfbr-230	68	17	used	use	VERB
asfbr-230	68	18	to	to	PART
asfbr-230	68	19	remove	remove	VERB
asfbr-230	68	20	or	or	CCONJ
asfbr-230	68	21	enter	enter	VERB
asfbr-230	68	22	the	the	DET
asfbr-230	68	23	variables	variable	NOUN
asfbr-230	68	24	.	.	PUNCT
asfbr-230	69	1	all	all	DET
asfbr-230	69	2	variables	variable	NOUN
asfbr-230	69	3	are	be	AUX
asfbr-230	69	4	entered	enter	VERB
asfbr-230	69	5	on	on	ADP
asfbr-230	69	6	the	the	DET
asfbr-230	69	7	above	above	ADJ
asfbr-230	69	8	table	table	NOUN
asfbr-230	69	9	.	.	PUNCT
asfbr-230	70	1	the	the	DET
asfbr-230	70	2	dependent	dependent	ADJ
asfbr-230	70	3	variable	variable	NOUN
asfbr-230	70	4	which	which	PRON
asfbr-230	70	5	is	be	AUX
asfbr-230	70	6	return	return	NOUN
asfbr-230	70	7	on	on	ADP
asfbr-230	70	8	asset	asset	NOUN
asfbr-230	70	9	explained	explain	VERB
asfbr-230	70	10	in	in	ADP
asfbr-230	70	11	the	the	DET
asfbr-230	70	12	bottom	bottom	NOUN
asfbr-230	70	13	of	of	ADP
asfbr-230	70	14	the	the	DET
asfbr-230	70	15	table	table	NOUN
asfbr-230	70	16	.	.	PUNCT
asfbr-230	71	1	table	table	NOUN
asfbr-230	71	2	2	2	NUM
asfbr-230	71	3	:	:	PUNCT
asfbr-230	71	4	linearity	linearity	NOUN
asfbr-230	71	5	of	of	ADP
asfbr-230	71	6	the	the	DET
asfbr-230	71	7	variables	variables	PROPN
asfbr-230	71	8	model	model	NOUN
asfbr-230	71	9	summaryb	summaryb	PROPN
asfbr-230	72	1	model	model	NOUN
asfbr-230	72	2	r	r	NOUN
asfbr-230	72	3	r	r	NOUN
asfbr-230	72	4	square	square	ADJ
asfbr-230	72	5	adjusted	adjust	VERB
asfbr-230	72	6	r	r	NOUN
asfbr-230	72	7	square	square	ADJ
asfbr-230	72	8	std	std	NOUN
asfbr-230	72	9	.	.	PUNCT
asfbr-230	73	1	error	error	NOUN
asfbr-230	73	2	of	of	ADP
asfbr-230	73	3	the	the	DET
asfbr-230	73	4	estimate	estimate	NOUN
asfbr-230	73	5	change	change	NOUN
asfbr-230	73	6	statistics	statistic	NOUN
asfbr-230	73	7	r	r	NOUN
asfbr-230	73	8	square	square	ADJ
asfbr-230	73	9	change	change	NOUN
asfbr-230	73	10	f	f	AUX
asfbr-230	73	11	change	change	NOUN
asfbr-230	73	12	df	df	PROPN
asfbr-230	73	13	1	1	NUM
asfbr-230	73	14	df	df	PROPN
asfbr-230	73	15	2	2	NUM
asfbr-230	73	16	sig	sig	NOUN
asfbr-230	73	17	.	.	PUNCT
asfbr-230	74	1	f	f	PROPN
asfbr-230	74	2	change	change	VERB
asfbr-230	74	3	1	1	NUM
asfbr-230	74	4	.422a	.422a	NUM
asfbr-230	74	5	.178	.178	NUM
asfbr-230	74	6	.143	.143	NUM
asfbr-230	75	1	.00571	.00571	PROPN
asfbr-230	75	2	.178	.178	NUM
asfbr-230	76	1	5.080	5.080	NUM
asfbr-230	76	2	2	2	NUM
asfbr-230	76	3	47	47	NUM
asfbr-230	76	4	.010	.010	NUM
asfbr-230	76	5	a.	a.	NOUN
asfbr-230	76	6	predictors	predictor	NOUN
asfbr-230	76	7	:	:	PUNCT
asfbr-230	76	8	(	(	PUNCT
asfbr-230	76	9	constant	constant	ADJ
asfbr-230	76	10	)	)	PUNCT
asfbr-230	76	11	,	,	PUNCT
asfbr-230	76	12	car	car	NOUN
asfbr-230	76	13	,	,	PUNCT
asfbr-230	76	14	nplr	nplr	NOUN
asfbr-230	76	15	b.	b.	NOUN
asfbr-230	76	16	dependent	dependent	ADJ
asfbr-230	76	17	variable	variable	NOUN
asfbr-230	76	18	:	:	PUNCT
asfbr-230	76	19	roa	roa	PROPN
asfbr-230	76	20	source	source	NOUN
asfbr-230	76	21	:	:	PUNCT
asfbr-230	76	22	spss	spss	PROPN
asfbr-230	76	23	regression	regression	VERB
asfbr-230	76	24	out	out	ADP
asfbr-230	76	25	put	put	NOUN
asfbr-230	76	26	table	table	NOUN
asfbr-230	76	27	2	2	NUM
asfbr-230	76	28	;	;	PUNCT
asfbr-230	76	29	demonstrates	demonstrate	VERB
asfbr-230	76	30	about	about	ADP
asfbr-230	76	31	large	large	ADJ
asfbr-230	76	32	r	r	NOUN
asfbr-230	76	33	,	,	PUNCT
asfbr-230	76	34	which	which	PRON
asfbr-230	76	35	shows	show	VERB
asfbr-230	76	36	the	the	DET
asfbr-230	76	37	multiple	multiple	ADJ
asfbr-230	76	38	correlation	correlation	NOUN
asfbr-230	76	39	coefficients	coefficient	NOUN
asfbr-230	76	40	and	and	CCONJ
asfbr-230	76	41	the	the	DET
asfbr-230	76	42	correlation	correlation	NOUN
asfbr-230	76	43	between	between	ADP
asfbr-230	76	44	the	the	DET
asfbr-230	76	45	observed	observe	VERB
asfbr-230	76	46	and	and	CCONJ
asfbr-230	76	47	predicted	predict	VERB
asfbr-230	76	48	values	value	NOUN
asfbr-230	76	49	of	of	ADP
asfbr-230	76	50	the	the	DET
asfbr-230	76	51	dependent	dependent	ADJ
asfbr-230	76	52	variables	variable	NOUN
asfbr-230	76	53	.	.	PUNCT
asfbr-230	77	1	and	and	CCONJ
asfbr-230	77	2	the	the	DET
asfbr-230	77	3	value	value	NOUN
asfbr-230	77	4	of	of	ADP
asfbr-230	77	5	r	r	NOUN
asfbr-230	77	6	for	for	ADP
asfbr-230	77	7	models	model	NOUN
asfbr-230	77	8	produced	produce	VERB
asfbr-230	77	9	by	by	ADP
asfbr-230	77	10	the	the	DET
asfbr-230	77	11	regression	regression	NOUN
asfbr-230	77	12	procedure	procedure	NOUN
asfbr-230	77	13	range	range	NOUN
asfbr-230	77	14	from	from	ADP
asfbr-230	77	15	0	0	NUM
asfbr-230	77	16	to	to	ADP
asfbr-230	77	17	1	1	NUM
asfbr-230	77	18	.	.	PUNCT
asfbr-230	78	1	the	the	PRON
asfbr-230	78	2	larger	large	ADJ
asfbr-230	78	3	the	the	DET
asfbr-230	78	4	value	value	NOUN
asfbr-230	78	5	of	of	ADP
asfbr-230	78	6	r	r	NOUN
asfbr-230	78	7	display	display	NOUN
asfbr-230	78	8	that	that	SCONJ
asfbr-230	78	9	there	there	PRON
asfbr-230	78	10	is	be	VERB
asfbr-230	78	11	strong	strong	ADJ
asfbr-230	78	12	relationship	relationship	NOUN
asfbr-230	78	13	among	among	ADP
asfbr-230	78	14	observed	observed	ADJ
asfbr-230	78	15	and	and	CCONJ
asfbr-230	78	16	predicted	predict	VERB
asfbr-230	78	17	value	value	NOUN
asfbr-230	78	18	.	.	PUNCT
asfbr-230	79	1	in	in	ADP
asfbr-230	79	2	our	our	PRON
asfbr-230	79	3	case	case	NOUN
asfbr-230	79	4	r	r	NOUN
asfbr-230	79	5	is	be	AUX
asfbr-230	79	6	0.422	0.422	NUM
asfbr-230	79	7	.	.	PUNCT
asfbr-230	80	1	r	r	NOUN
asfbr-230	80	2	square	square	NOUN
asfbr-230	80	3	tells	tell	VERB
asfbr-230	80	4	us	we	PRON
asfbr-230	80	5	,	,	PUNCT
asfbr-230	80	6	how	how	SCONJ
asfbr-230	80	7	much	much	ADJ
asfbr-230	80	8	of	of	ADP
asfbr-230	80	9	variance	variance	NOUN
asfbr-230	80	10	in	in	ADP
asfbr-230	80	11	the	the	DET
asfbr-230	80	12	dependent	dependent	ADJ
asfbr-230	80	13	variable	variable	NOUN
asfbr-230	80	14	is	be	AUX
asfbr-230	80	15	explained	explain	VERB
asfbr-230	80	16	by	by	ADP
asfbr-230	80	17	our	our	PRON
asfbr-230	80	18	independent	independent	ADJ
asfbr-230	80	19	variable	variable	NOUN
asfbr-230	80	20	.	.	PUNCT
asfbr-230	81	1	so	so	ADV
asfbr-230	81	2	,	,	PUNCT
asfbr-230	81	3	in	in	ADP
asfbr-230	81	4	our	our	PRON
asfbr-230	81	5	case	case	NOUN
asfbr-230	81	6	we	we	PRON
asfbr-230	81	7	were	be	AUX
asfbr-230	81	8	known	know	VERB
asfbr-230	81	9	how	how	SCONJ
asfbr-230	81	10	much	much	ADJ
asfbr-230	81	11	nplr	nplr	NOUN
asfbr-230	81	12	and	and	CCONJ
asfbr-230	81	13	car	car	NOUN
asfbr-230	81	14	explained	explain	VERB
asfbr-230	81	15	by	by	ADP
asfbr-230	81	16	roa	roa	PROPN
asfbr-230	81	17	.	.	PUNCT
asfbr-230	82	1	as	as	ADP
asfbr-230	82	2	of	of	ADP
asfbr-230	82	3	r	r	NOUN
asfbr-230	82	4	and	and	CCONJ
asfbr-230	82	5	the	the	DET
asfbr-230	82	6	value	value	NOUN
asfbr-230	82	7	of	of	ADP
asfbr-230	82	8	r	r	NOUN
asfbr-230	82	9	square	square	NOUN
asfbr-230	82	10	ranges	range	NOUN
asfbr-230	82	11	between	between	ADP
asfbr-230	82	12	0	0	NUM
asfbr-230	82	13	and	and	CCONJ
asfbr-230	82	14	1	1	NUM
asfbr-230	82	15	,	,	PUNCT
asfbr-230	82	16	beside	beside	ADP
asfbr-230	82	17	to	to	ADP
asfbr-230	82	18	that	that	DET
asfbr-230	82	19	small	small	ADJ
asfbr-230	82	20	value	value	NOUN
asfbr-230	82	21	indicates	indicate	VERB
asfbr-230	82	22	that	that	SCONJ
asfbr-230	82	23	the	the	DET
asfbr-230	82	24	model	model	NOUN
asfbr-230	82	25	does	do	AUX
asfbr-230	82	26	not	not	PART
asfbr-230	82	27	fit	fit	VERB
asfbr-230	82	28	the	the	DET
asfbr-230	82	29	data	datum	NOUN
asfbr-230	82	30	well	well	ADV
asfbr-230	82	31	.	.	PUNCT
asfbr-230	83	1	as	as	SCONJ
asfbr-230	83	2	the	the	DET
asfbr-230	83	3	table	table	NOUN
asfbr-230	83	4	indicates	indicate	VERB
asfbr-230	83	5	,	,	PUNCT
asfbr-230	83	6	the	the	DET
asfbr-230	83	7	independent	independent	ADJ
asfbr-230	83	8	variable	variable	NOUN
asfbr-230	83	9	explained	explain	VERB
asfbr-230	83	10	the	the	DET
asfbr-230	83	11	dependent	dependent	ADJ
asfbr-230	83	12	variable	variable	NOUN
asfbr-230	83	13	by	by	ADP
asfbr-230	83	14	17.8	17.8	NUM
asfbr-230	83	15	%	%	NOUN
asfbr-230	83	16	.	.	PUNCT
asfbr-230	84	1	this	this	PRON
asfbr-230	84	2	means	mean	VERB
asfbr-230	84	3	that	that	SCONJ
asfbr-230	84	4	our	our	PRON
asfbr-230	84	5	model	model	NOUN
asfbr-230	84	6	using	use	VERB
asfbr-230	84	7	two	two	NUM
asfbr-230	84	8	predicted	predict	VERB
asfbr-230	84	9	variables	variable	NOUN
asfbr-230	84	10	(	(	PUNCT
asfbr-230	84	11	nplr	nplr	NOUN
asfbr-230	84	12	&	&	CCONJ
asfbr-230	84	13	car	car	NOUN
asfbr-230	84	14	)	)	PUNCT
asfbr-230	84	15	explain	explain	VERB
asfbr-230	84	16	about	about	ADV
asfbr-230	84	17	17.8	17.8	NUM
asfbr-230	84	18	%	%	NOUN
asfbr-230	84	19	variance	variance	NOUN
asfbr-230	84	20	of	of	ADP
asfbr-230	84	21	our	our	PRON
asfbr-230	84	22	dependent	dependent	ADJ
asfbr-230	84	23	variable	variable	NOUN
asfbr-230	84	24	(	(	PUNCT
asfbr-230	84	25	roa	roa	PROPN
asfbr-230	84	26	)	)	PUNCT
asfbr-230	84	27	.	.	PUNCT
asfbr-230	85	1	right	right	ADV
asfbr-230	85	2	next	next	ADV
asfbr-230	85	3	to	to	ADP
asfbr-230	85	4	r	r	NOUN
asfbr-230	85	5	square	square	NOUN
asfbr-230	85	6	we	we	PRON
asfbr-230	85	7	get	get	AUX
asfbr-230	85	8	adjusted	adjust	VERB
asfbr-230	85	9	r	r	NOUN
asfbr-230	85	10	square	square	NOUN
asfbr-230	85	11	.	.	PUNCT
asfbr-230	86	1	if	if	SCONJ
asfbr-230	86	2	we	we	PRON
asfbr-230	86	3	had	have	VERB
asfbr-230	86	4	small	small	ADJ
asfbr-230	86	5	sample	sample	NOUN
asfbr-230	86	6	size	size	NOUN
asfbr-230	86	7	the	the	DET
asfbr-230	86	8	r	r	NOUN
asfbr-230	86	9	square	square	ADJ
asfbr-230	86	10	value	value	NOUN
asfbr-230	86	11	in	in	ADP
asfbr-230	86	12	the	the	DET
asfbr-230	86	13	sample	sample	NOUN
asfbr-230	86	14	tend	tend	VERB
asfbr-230	86	15	to	to	PART
asfbr-230	86	16	be	be	AUX
asfbr-230	86	17	a	a	DET
asfbr-230	86	18	little	little	ADJ
asfbr-230	86	19	over	over	ADP
asfbr-230	86	20	estimated	estimate	VERB
asfbr-230	86	21	and	and	CCONJ
asfbr-230	86	22	little	little	ADJ
asfbr-230	86	23	optimistic	optimistic	ADJ
asfbr-230	86	24	over	over	ADP
asfbr-230	86	25	estimation	estimation	NOUN
asfbr-230	86	26	of	of	ADP
asfbr-230	86	27	what	what	PRON
asfbr-230	86	28	probably	probably	ADV
asfbr-230	86	29	really	really	ADV
asfbr-230	86	30	happening	happen	VERB
asfbr-230	86	31	in	in	ADP
asfbr-230	86	32	the	the	DET
asfbr-230	86	33	population	population	NOUN
asfbr-230	86	34	.	.	PUNCT
asfbr-230	87	1	so	so	ADV
asfbr-230	87	2	,	,	PUNCT
asfbr-230	87	3	adjusted	adjusted	ADJ
asfbr-230	87	4	r	r	NOUN
asfbr-230	87	5	square	square	ADJ
asfbr-230	87	6	corrects	correct	NOUN
asfbr-230	87	7	this	this	DET
asfbr-230	87	8	value	value	NOUN
asfbr-230	87	9	to	to	PART
asfbr-230	87	10	provide	provide	VERB
asfbr-230	87	11	a	a	DET
asfbr-230	87	12	better	well	ADJ
asfbr-230	87	13	estimation	estimation	NOUN
asfbr-230	87	14	of	of	ADP
asfbr-230	87	15	what	what	PRON
asfbr-230	87	16	actually	actually	ADV
asfbr-230	87	17	happening	happen	VERB
asfbr-230	87	18	in	in	ADP
asfbr-230	87	19	the	the	DET
asfbr-230	87	20	population	population	NOUN
asfbr-230	87	21	.	.	PUNCT
asfbr-230	88	1	in	in	ADP
asfbr-230	88	2	our	our	PRON
asfbr-230	88	3	case	case	NOUN
asfbr-230	88	4	adjusted	adjust	VERB
asfbr-230	88	5	r	r	NOUN
asfbr-230	88	6	square	square	NOUN
asfbr-230	88	7	is	be	AUX
asfbr-230	88	8	.143	.143	NUM
asfbr-230	88	9	.	.	PUNCT
asfbr-230	89	1	standard	standard	ADJ
asfbr-230	89	2	error	error	NOUN
asfbr-230	89	3	of	of	ADP
asfbr-230	89	4	the	the	DET
asfbr-230	89	5	estimate	estimate	NOUN
asfbr-230	89	6	this	this	PRON
asfbr-230	89	7	is	be	AUX
asfbr-230	89	8	basically	basically	ADV
asfbr-230	89	9	gives	give	VERB
asfbr-230	89	10	an	an	DET
asfbr-230	89	11	idea	idea	NOUN
asfbr-230	89	12	of	of	ADP
asfbr-230	89	13	how	how	SCONJ
asfbr-230	89	14	much	much	ADJ
asfbr-230	89	15	our	our	PRON
asfbr-230	89	16	prediction	prediction	NOUN
asfbr-230	89	17	might	might	AUX
asfbr-230	89	18	be	be	AUX
asfbr-230	89	19	off	off	ADP
asfbr-230	89	20	.	.	PUNCT
asfbr-230	90	1	if	if	SCONJ
asfbr-230	90	2	the	the	DET
asfbr-230	90	3	number	number	NOUN
asfbr-230	90	4	is	be	AUX
asfbr-230	90	5	large	large	ADJ
asfbr-230	90	6	the	the	DET
asfbr-230	90	7	more	more	ADJ
asfbr-230	90	8	variability	variability	NOUN
asfbr-230	90	9	it	it	PRON
asfbr-230	90	10	indicates	indicate	VERB
asfbr-230	90	11	from	from	ADP
asfbr-230	90	12	the	the	DET
asfbr-230	90	13	table	table	NOUN
asfbr-230	90	14	,	,	PUNCT
asfbr-230	90	15	we	we	PRON
asfbr-230	90	16	have	have	VERB
asfbr-230	90	17	standard	standard	ADJ
asfbr-230	90	18	error	error	NOUN
asfbr-230	90	19	of	of	ADP
asfbr-230	90	20	the	the	DET
asfbr-230	90	21	estimate	estimate	NOUN
asfbr-230	90	22	(	(	PUNCT
asfbr-230	90	23	0.006	0.006	NUM
asfbr-230	90	24	)	)	PUNCT
asfbr-230	90	25	which	which	PRON
asfbr-230	90	26	is	be	AUX
asfbr-230	90	27	very	very	ADV
asfbr-230	90	28	small	small	ADJ
asfbr-230	90	29	and	and	CCONJ
asfbr-230	90	30	good	good	ADJ
asfbr-230	90	31	.	.	PUNCT
asfbr-230	91	1	r	r	NOUN
asfbr-230	91	2	square	square	NOUN
asfbr-230	91	3	is	be	AUX
asfbr-230	91	4	significant	significant	ADJ
asfbr-230	91	5	at	at	ADP
asfbr-230	91	6	5	5	NUM
asfbr-230	91	7	%	%	NOUN
asfbr-230	91	8	level	level	NOUN
asfbr-230	91	9	of	of	ADP
asfbr-230	91	10	significance	significance	NOUN
asfbr-230	91	11	as	as	ADP
asfbr-230	91	12	the	the	DET
asfbr-230	91	13	se	se	X
asfbr-230	91	14	<	<	PROPN
asfbr-230	91	15	.05	.05	NUM
asfbr-230	91	16	.	.	PUNCT
asfbr-230	91	17	table	table	NOUN
asfbr-230	91	18	3	3	NUM
asfbr-230	91	19	:	:	PUNCT
asfbr-230	91	20	anova	anova	PROPN
asfbr-230	91	21	table	table	PROPN
asfbr-230	91	22	anovab	anovab	PROPN
asfbr-230	91	23	model	model	PROPN
asfbr-230	91	24	sum	sum	NOUN
asfbr-230	91	25	of	of	ADP
asfbr-230	91	26	squares	square	NOUN
asfbr-230	91	27	df	df	PROPN
asfbr-230	91	28	mean	mean	PROPN
asfbr-230	91	29	square	square	PROPN
asfbr-230	91	30	f	f	PROPN
asfbr-230	91	31	sig	sig	PROPN
asfbr-230	91	32	.	.	PROPN
asfbr-230	91	33	1	1	NUM
asfbr-230	91	34	regression	regression	NOUN
asfbr-230	91	35	.000	.000	NUM
asfbr-230	91	36	2	2	NUM
asfbr-230	91	37	.000	.000	NUM
asfbr-230	91	38	5.080	5.080	NUM
asfbr-230	91	39	.010a	.010a	PROPN
asfbr-230	91	40	residual	residual	ADJ
asfbr-230	91	41	.002	.002	NUM
asfbr-230	91	42	47	47	NUM
asfbr-230	91	43	.000	.000	NUM
asfbr-230	91	44	total	total	NOUN
asfbr-230	91	45	.002	.002	NUM
asfbr-230	91	46	49	49	NUM
asfbr-230	91	47	a.	a.	NOUN
asfbr-230	91	48	predictors	predictor	NOUN
asfbr-230	91	49	:	:	PUNCT
asfbr-230	91	50	(	(	PUNCT
asfbr-230	91	51	constant	constant	ADJ
asfbr-230	91	52	)	)	PUNCT
asfbr-230	91	53	,	,	PUNCT
asfbr-230	91	54	car	car	NOUN
asfbr-230	91	55	,	,	PUNCT
asfbr-230	91	56	nplr	nplr	NOUN
asfbr-230	91	57	b.	b.	NOUN
asfbr-230	91	58	dependent	dependent	ADJ
asfbr-230	91	59	variable	variable	NOUN
asfbr-230	91	60	:	:	PUNCT
asfbr-230	91	61	roa	roa	PROPN
asfbr-230	91	62	source	source	NOUN
asfbr-230	91	63	:	:	PUNCT
asfbr-230	91	64	spss	spss	PROPN
asfbr-230	91	65	regression	regression	VERB
asfbr-230	91	66	out	out	ADP
asfbr-230	91	67	put	put	VERB
asfbr-230	91	68	anova	anova	PROPN
asfbr-230	91	69	,	,	PUNCT
asfbr-230	91	70	table	table	NOUN
asfbr-230	91	71	summarizes	summarize	VERB
asfbr-230	91	72	the	the	DET
asfbr-230	91	73	output	output	NOUN
asfbr-230	91	74	of	of	ADP
asfbr-230	91	75	the	the	DET
asfbr-230	91	76	analysis	analysis	NOUN
asfbr-230	91	77	of	of	ADP
asfbr-230	91	78	variance	variance	NOUN
asfbr-230	91	79	.	.	PUNCT
asfbr-230	92	1	in	in	ADP
asfbr-230	92	2	regression	regression	NOUN
asfbr-230	92	3	row	row	NOUN
asfbr-230	92	4	,	,	PUNCT
asfbr-230	92	5	the	the	DET
asfbr-230	92	6	output	output	NOUN
asfbr-230	92	7	for	for	ADP
asfbr-230	92	8	regression	regression	NOUN
asfbr-230	92	9	displays	display	VERB
asfbr-230	92	10	information	information	NOUN
asfbr-230	92	11	about	about	ADP
asfbr-230	92	12	the	the	DET
asfbr-230	92	13	variation	variation	NOUN
asfbr-230	92	14	accounted	account	VERB
asfbr-230	92	15	for	for	ADP
asfbr-230	92	16	by	by	ADP
asfbr-230	92	17	the	the	DET
asfbr-230	92	18	existing	exist	VERB
asfbr-230	92	19	model	model	NOUN
asfbr-230	92	20	.	.	PUNCT
asfbr-230	93	1	residual	residual	ADJ
asfbr-230	93	2	displays	display	NOUN
asfbr-230	93	3	information	information	NOUN
asfbr-230	93	4	about	about	ADP
asfbr-230	93	5	the	the	DET
asfbr-230	93	6	variation	variation	NOUN
asfbr-230	93	7	that	that	PRON
asfbr-230	93	8	is	be	AUX
asfbr-230	93	9	not	not	PART
asfbr-230	93	10	accounted	account	VERB
asfbr-230	93	11	for	for	ADP
asfbr-230	93	12	by	by	ADP
asfbr-230	93	13	the	the	DET
asfbr-230	93	14	model	model	NOUN
asfbr-230	93	15	.	.	PUNCT
asfbr-230	94	1	and	and	CCONJ
asfbr-230	94	2	total	total	NOUN
asfbr-230	94	3	in	in	ADP
asfbr-230	94	4	the	the	DET
asfbr-230	94	5	table	table	NOUN
asfbr-230	94	6	shows	show	VERB
asfbr-230	94	7	the	the	DET
asfbr-230	94	8	sum	sum	NOUN
asfbr-230	94	9	of	of	ADP
asfbr-230	94	10	regression	regression	NOUN
asfbr-230	94	11	and	and	CCONJ
asfbr-230	94	12	residual	residual	ADJ
asfbr-230	94	13	.	.	PUNCT
asfbr-230	95	1	mean	mean	PROPN
asfbr-230	95	2	square	square	PROPN
asfbr-230	95	3	is	be	AUX
asfbr-230	95	4	the	the	DET
asfbr-230	95	5	sum	sum	NOUN
asfbr-230	95	6	of	of	ADP
asfbr-230	95	7	squares	square	NOUN
asfbr-230	95	8	divided	divide	VERB
asfbr-230	95	9	by	by	ADP
asfbr-230	95	10	the	the	DET
asfbr-230	95	11	degrees	degree	NOUN
asfbr-230	95	12	of	of	ADP
asfbr-230	95	13	freedom	freedom	NOUN
asfbr-230	95	14	.	.	PUNCT
asfbr-230	96	1	and	and	CCONJ
asfbr-230	96	2	f	f	PROPN
asfbr-230	96	3	statistics	statistic	NOUN
asfbr-230	96	4	is	be	AUX
asfbr-230	96	5	the	the	DET
asfbr-230	96	6	regression	regression	NOUN
asfbr-230	96	7	mean	mean	VERB
asfbr-230	97	1	square	square	ADJ
asfbr-230	97	2	copyright	copyright	NOUN
asfbr-230	98	1	©	©	PROPN
asfbr-230	98	2	cc	cc	PROPN
asfbr-230	98	3	-	-	PUNCT
asfbr-230	98	4	by	by	ADP
asfbr-230	98	5	-	-	PUNCT
asfbr-230	98	6	nc	nc	PROPN
asfbr-230	98	7	2019	2019	NUM
asfbr-230	98	8	,	,	PUNCT
asfbr-230	98	9	cribfb	cribfb	PROPN
asfbr-230	98	10	|	|	ADV
asfbr-230	98	11	afbr	afbr	ADV
asfbr-230	98	12	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	98	13	asian	asian	ADJ
asfbr-230	98	14	finance	finance	PROPN
asfbr-230	98	15	&	&	CCONJ
asfbr-230	98	16	banking	banking	PROPN
asfbr-230	98	17	review	review	PROPN
asfbr-230	98	18	vol	vol	NOUN
asfbr-230	98	19	.	.	PROPN
asfbr-230	99	1	3	3	NUM
asfbr-230	99	2	,	,	PUNCT
asfbr-230	99	3	no	no	INTJ
asfbr-230	99	4	.	.	NOUN
asfbr-230	99	5	1	1	NUM
asfbr-230	99	6	;	;	PUNCT
asfbr-230	99	7	2019	2019	NUM
asfbr-230	99	8	4	4	NUM
asfbr-230	99	9	divided	divide	VERB
asfbr-230	99	10	by	by	ADP
asfbr-230	99	11	the	the	DET
asfbr-230	99	12	residual	residual	ADJ
asfbr-230	99	13	mean	mean	ADJ
asfbr-230	99	14	square	square	NOUN
asfbr-230	99	15	.	.	PUNCT
asfbr-230	100	1	if	if	SCONJ
asfbr-230	100	2	the	the	DET
asfbr-230	100	3	significance	significance	NOUN
asfbr-230	100	4	value	value	NOUN
asfbr-230	100	5	of	of	ADP
asfbr-230	100	6	the	the	DET
asfbr-230	100	7	f	f	PROPN
asfbr-230	100	8	statistics	statistic	NOUN
asfbr-230	100	9	is	be	AUX
asfbr-230	100	10	small	small	ADJ
asfbr-230	100	11	,	,	PUNCT
asfbr-230	100	12	then	then	ADV
asfbr-230	100	13	the	the	DET
asfbr-230	100	14	independent	independent	ADJ
asfbr-230	100	15	variable	variable	NOUN
asfbr-230	100	16	does	do	VERB
asfbr-230	100	17	a	a	DET
asfbr-230	100	18	good	good	ADJ
asfbr-230	100	19	job	job	NOUN
asfbr-230	100	20	in	in	ADP
asfbr-230	100	21	explaining	explain	VERB
asfbr-230	100	22	the	the	DET
asfbr-230	100	23	variation	variation	NOUN
asfbr-230	100	24	in	in	ADP
asfbr-230	100	25	the	the	DET
asfbr-230	100	26	dependent	dependent	ADJ
asfbr-230	100	27	variables	variable	NOUN
asfbr-230	100	28	.	.	PUNCT
asfbr-230	101	1	table	table	NOUN
asfbr-230	101	2	4	4	NUM
asfbr-230	101	3	:	:	PUNCT
asfbr-230	101	4	collinearity	collinearity	NOUN
asfbr-230	101	5	diagnostics	diagnostic	NOUN
asfbr-230	101	6	test	test	NOUN
asfbr-230	101	7	table	table	NOUN
asfbr-230	101	8	collinearity	collinearity	NOUN
asfbr-230	101	9	diagnosticsa	diagnosticsa	ADJ
asfbr-230	101	10	mode	mode	PROPN
asfbr-230	101	11	l	l	PROPN
asfbr-230	101	12	dimension	dimension	NOUN
asfbr-230	101	13	eigenvalue	eigenvalue	PROPN
asfbr-230	101	14	condition	condition	NOUN
asfbr-230	101	15	index	index	NOUN
asfbr-230	101	16	variance	variance	NOUN
asfbr-230	101	17	proportions	proportion	NOUN
asfbr-230	101	18	(	(	PUNCT
asfbr-230	101	19	constant	constant	ADJ
asfbr-230	101	20	)	)	PUNCT
asfbr-230	101	21	nplr	nplr	NOUN
asfbr-230	101	22	car	car	NOUN
asfbr-230	101	23	1	1	NUM
asfbr-230	101	24	1	1	NUM
asfbr-230	101	25	2.561	2.561	NUM
asfbr-230	101	26	1.000	1.000	NUM
asfbr-230	101	27	.01	.01	NUM
asfbr-230	101	28	.06	.06	NUM
asfbr-230	101	29	.01	.01	NUM
asfbr-230	101	30	2	2	NUM
asfbr-230	101	31	.387	.387	NUM
asfbr-230	101	32	2.574	2.574	NUM
asfbr-230	101	33	.03	.03	NUM
asfbr-230	101	34	.92	.92	NUM
asfbr-230	101	35	.05	.05	NUM
asfbr-230	101	36	3	3	NUM
asfbr-230	101	37	.052	.052	NUM
asfbr-230	101	38	7.005	7.005	NUM
asfbr-230	101	39	.96	.96	NUM
asfbr-230	101	40	.02	.02	NUM
asfbr-230	101	41	.94	.94	NUM
asfbr-230	101	42	a.	a.	NOUN
asfbr-230	101	43	dependent	dependent	ADJ
asfbr-230	101	44	variable	variable	NOUN
asfbr-230	101	45	:	:	PUNCT
asfbr-230	101	46	roa	roa	PROPN
asfbr-230	101	47	source	source	NOUN
asfbr-230	101	48	:	:	PUNCT
asfbr-230	101	49	spss	spss	PROPN
asfbr-230	101	50	regression	regression	VERB
asfbr-230	101	51	out	out	ADP
asfbr-230	101	52	put	put	NOUN
asfbr-230	101	53	table	table	NOUN
asfbr-230	101	54	5	5	NUM
asfbr-230	101	55	is	be	AUX
asfbr-230	101	56	a	a	DET
asfbr-230	101	57	table	table	NOUN
asfbr-230	101	58	which	which	PRON
asfbr-230	101	59	displays	display	VERB
asfbr-230	101	60	statistics	statistic	NOUN
asfbr-230	101	61	that	that	PRON
asfbr-230	101	62	help	help	VERB
asfbr-230	101	63	to	to	PART
asfbr-230	101	64	determine	determine	VERB
asfbr-230	101	65	whether	whether	SCONJ
asfbr-230	101	66	there	there	PRON
asfbr-230	101	67	are	be	VERB
asfbr-230	101	68	any	any	DET
asfbr-230	101	69	problems	problem	NOUN
asfbr-230	101	70	with	with	ADP
asfbr-230	101	71	collinearity	collinearity	NOUN
asfbr-230	101	72	or	or	CCONJ
asfbr-230	101	73	not	not	PART
asfbr-230	101	74	.	.	PUNCT
asfbr-230	102	1	collinearity	collinearity	NOUN
asfbr-230	102	2	(	(	PUNCT
asfbr-230	102	3	multicollinearity	multicollinearity	NOUN
asfbr-230	102	4	)	)	PUNCT
asfbr-230	102	5	is	be	AUX
asfbr-230	102	6	the	the	DET
asfbr-230	102	7	undesirable	undesirable	ADJ
asfbr-230	102	8	situation	situation	NOUN
asfbr-230	102	9	where	where	SCONJ
asfbr-230	102	10	the	the	DET
asfbr-230	102	11	correlations	correlation	NOUN
asfbr-230	102	12	among	among	ADP
asfbr-230	102	13	the	the	DET
asfbr-230	102	14	independent	independent	ADJ
asfbr-230	102	15	variables	variable	NOUN
asfbr-230	102	16	are	be	AUX
asfbr-230	102	17	strong	strong	ADJ
asfbr-230	102	18	.	.	PUNCT
asfbr-230	103	1	eigenvalues	eigenvalue	NOUN
asfbr-230	103	2	proved	prove	VERB
asfbr-230	103	3	an	an	DET
asfbr-230	103	4	indication	indication	NOUN
asfbr-230	103	5	of	of	ADP
asfbr-230	103	6	how	how	SCONJ
asfbr-230	103	7	many	many	ADJ
asfbr-230	103	8	different	different	ADJ
asfbr-230	103	9	dimensions	dimension	NOUN
asfbr-230	103	10	are	be	AUX
asfbr-230	103	11	there	there	ADV
asfbr-230	103	12	among	among	ADP
asfbr-230	103	13	the	the	DET
asfbr-230	103	14	independent	independent	ADJ
asfbr-230	103	15	variables	variable	NOUN
asfbr-230	103	16	.	.	PUNCT
asfbr-230	104	1	when	when	SCONJ
asfbr-230	104	2	several	several	ADJ
asfbr-230	104	3	eigen	eigen	PROPN
asfbr-230	104	4	values	value	NOUN
asfbr-230	104	5	are	be	AUX
asfbr-230	104	6	close	close	ADJ
asfbr-230	104	7	to	to	ADP
asfbr-230	104	8	zero	zero	NUM
asfbr-230	104	9	,	,	PUNCT
asfbr-230	104	10	the	the	DET
asfbr-230	104	11	variables	variable	NOUN
asfbr-230	104	12	are	be	AUX
asfbr-230	104	13	highly	highly	ADV
asfbr-230	104	14	interring	inter	VERB
asfbr-230	104	15	correlated	correlate	VERB
asfbr-230	104	16	and	and	CCONJ
asfbr-230	104	17	small	small	ADJ
asfbr-230	104	18	changes	change	NOUN
asfbr-230	104	19	in	in	ADP
asfbr-230	104	20	the	the	DET
asfbr-230	104	21	data	data	NOUN
asfbr-230	104	22	values	value	NOUN
asfbr-230	104	23	may	may	AUX
asfbr-230	104	24	lead	lead	VERB
asfbr-230	104	25	to	to	ADP
asfbr-230	104	26	large	large	ADJ
asfbr-230	104	27	changes	change	NOUN
asfbr-230	104	28	in	in	ADP
asfbr-230	104	29	the	the	DET
asfbr-230	104	30	estimates	estimate	NOUN
asfbr-230	104	31	of	of	ADP
asfbr-230	104	32	the	the	DET
asfbr-230	104	33	coefficients	coefficient	NOUN
asfbr-230	104	34	.	.	PUNCT
asfbr-230	105	1	condition	condition	NOUN
asfbr-230	105	2	index	index	NOUN
asfbr-230	105	3	are	be	AUX
asfbr-230	105	4	the	the	DET
asfbr-230	105	5	square	square	ADJ
asfbr-230	105	6	roots	root	NOUN
asfbr-230	105	7	of	of	ADP
asfbr-230	105	8	the	the	DET
asfbr-230	105	9	ratios	ratio	NOUN
asfbr-230	105	10	of	of	ADP
asfbr-230	105	11	the	the	DET
asfbr-230	105	12	largest	large	ADJ
asfbr-230	105	13	eigenvalue	eigenvalue	NOUN
asfbr-230	105	14	to	to	ADP
asfbr-230	105	15	each	each	DET
asfbr-230	105	16	successive	successive	ADJ
asfbr-230	105	17	eigenvalue	eigenvalue	NOUN
asfbr-230	105	18	.	.	PUNCT
asfbr-230	106	1	a	a	DET
asfbr-230	106	2	condition	condition	NOUN
asfbr-230	106	3	index	index	NOUN
asfbr-230	106	4	greater	great	ADJ
asfbr-230	106	5	than	than	ADP
asfbr-230	106	6	15	15	NUM
asfbr-230	106	7	indicates	indicate	VERB
asfbr-230	106	8	a	a	DET
asfbr-230	106	9	possible	possible	ADJ
asfbr-230	106	10	problem	problem	NOUN
asfbr-230	106	11	and	and	CCONJ
asfbr-230	106	12	an	an	DET
asfbr-230	106	13	index	index	NOUN
asfbr-230	106	14	greater	great	ADJ
asfbr-230	106	15	than	than	ADP
asfbr-230	106	16	30	30	NUM
asfbr-230	106	17	suggests	suggest	VERB
asfbr-230	106	18	a	a	DET
asfbr-230	106	19	serious	serious	ADJ
asfbr-230	106	20	problem	problem	NOUN
asfbr-230	106	21	with	with	ADP
asfbr-230	106	22	collinearity	collinearity	NOUN
asfbr-230	106	23	(	(	PUNCT
asfbr-230	106	24	spss	spss	PROPN
asfbr-230	106	25	output	output	NOUN
asfbr-230	106	26	)	)	PUNCT
asfbr-230	106	27	.	.	PUNCT
asfbr-230	107	1	even	even	ADV
asfbr-230	107	2	if	if	SCONJ
asfbr-230	107	3	eigenvalues	eigenvalue	NOUN
asfbr-230	107	4	are	be	AUX
asfbr-230	107	5	used	use	VERB
asfbr-230	107	6	for	for	ADP
asfbr-230	107	7	checking	check	VERB
asfbr-230	107	8	the	the	DET
asfbr-230	107	9	existence	existence	NOUN
asfbr-230	107	10	of	of	ADP
asfbr-230	107	11	collinearity	collinearity	NOUN
asfbr-230	107	12	,	,	PUNCT
asfbr-230	107	13	the	the	DET
asfbr-230	107	14	best	good	ADJ
asfbr-230	107	15	way	way	NOUN
asfbr-230	107	16	is	be	AUX
asfbr-230	107	17	conditional	conditional	ADJ
asfbr-230	107	18	index	index	NOUN
asfbr-230	107	19	.	.	PUNCT
asfbr-230	108	1	so	so	ADV
asfbr-230	108	2	in	in	ADP
asfbr-230	108	3	this	this	DET
asfbr-230	108	4	research	research	NOUN
asfbr-230	108	5	case	case	NOUN
asfbr-230	108	6	,	,	PUNCT
asfbr-230	108	7	since	since	SCONJ
asfbr-230	108	8	conditional	conditional	ADJ
asfbr-230	108	9	index	index	NOUN
asfbr-230	108	10	value	value	NOUN
asfbr-230	108	11	scored	score	VERB
asfbr-230	108	12	around	around	ADP
asfbr-230	108	13	1	1	NUM
asfbr-230	108	14	,	,	PUNCT
asfbr-230	108	15	2	2	NUM
asfbr-230	108	16	and	and	CCONJ
asfbr-230	108	17	7	7	NUM
asfbr-230	108	18	,	,	PUNCT
asfbr-230	108	19	from	from	ADP
asfbr-230	108	20	this	this	DET
asfbr-230	108	21	ground	ground	NOUN
asfbr-230	108	22	the	the	DET
asfbr-230	108	23	researcher	researcher	NOUN
asfbr-230	108	24	can	can	AUX
asfbr-230	108	25	say	say	VERB
asfbr-230	108	26	that	that	SCONJ
asfbr-230	108	27	there	there	PRON
asfbr-230	108	28	is	be	VERB
asfbr-230	108	29	no	no	DET
asfbr-230	108	30	multicollinearity	multicollinearity	NOUN
asfbr-230	108	31	among	among	ADP
asfbr-230	108	32	independent	independent	ADJ
asfbr-230	108	33	variables	variable	NOUN
asfbr-230	108	34	.	.	PUNCT
asfbr-230	109	1	table	table	NOUN
asfbr-230	109	2	5	5	NUM
asfbr-230	109	3	residuals	residual	NOUN
asfbr-230	109	4	statistics	statistic	NOUN
asfbr-230	109	5	residuals	residual	NOUN
asfbr-230	109	6	statisticsa	statisticsa	VERB
asfbr-230	109	7	minimum	minimum	NOUN
asfbr-230	109	8	maximum	maximum	ADJ
asfbr-230	109	9	mean	mean	ADJ
asfbr-230	109	10	std	std	NOUN
asfbr-230	109	11	.	.	PUNCT
asfbr-230	110	1	deviation	deviation	NOUN
asfbr-230	110	2	n	n	ADP
asfbr-230	110	3	predicted	predict	VERB
asfbr-230	110	4	value	value	NOUN
asfbr-230	111	1	.0186	.0186	PROPN
asfbr-230	111	2	.0331	.0331	NUM
asfbr-230	111	3	.0280	.0280	PROPN
asfbr-230	111	4	.00260	.00260	NOUN
asfbr-230	111	5	50	50	NUM
asfbr-230	111	6	residual	residual	ADJ
asfbr-230	111	7	-.01952	-.01952	PUNCT
asfbr-230	111	8	.01035	.01035	PUNCT
asfbr-230	112	1	.00000	.00000	PROPN
asfbr-230	112	2	.00559	.00559	VERB
asfbr-230	113	1	50	50	NUM
asfbr-230	113	2	std	std	NOUN
asfbr-230	113	3	.	.	PUNCT
asfbr-230	113	4	predicted	predict	VERB
asfbr-230	113	5	value	value	NOUN
asfbr-230	113	6	-3.609	-3.609	PUNCT
asfbr-230	113	7	1.973	1.973	NUM
asfbr-230	113	8	.000	.000	NUM
asfbr-230	113	9	1.000	1.000	NUM
asfbr-230	113	10	50	50	NUM
asfbr-230	113	11	std	std	NOUN
asfbr-230	113	12	.	.	PUNCT
asfbr-230	114	1	residual	residual	ADJ
asfbr-230	114	2	-3.416	-3.416	NUM
asfbr-230	114	3	1.812	1.812	NUM
asfbr-230	114	4	.000	.000	NUM
asfbr-230	114	5	.979	.979	NUM
asfbr-230	114	6	50	50	NUM
asfbr-230	114	7	a.	a.	NOUN
asfbr-230	114	8	dependent	dependent	ADJ
asfbr-230	114	9	variable	variable	NOUN
asfbr-230	114	10	:	:	PUNCT
asfbr-230	114	11	roa	roa	PROPN
asfbr-230	114	12	source	source	NOUN
asfbr-230	114	13	:	:	PUNCT
asfbr-230	114	14	spss	spss	PROPN
asfbr-230	114	15	residual	residual	ADJ
asfbr-230	114	16	out	out	ADP
asfbr-230	114	17	put	put	NOUN
asfbr-230	114	18	table	table	NOUN
asfbr-230	114	19	6	6	NUM
asfbr-230	114	20	,	,	PUNCT
asfbr-230	114	21	tells	tell	VERB
asfbr-230	114	22	about	about	ADP
asfbr-230	114	23	the	the	DET
asfbr-230	114	24	residual	residual	ADJ
asfbr-230	114	25	and	and	CCONJ
asfbr-230	114	26	predicted	predict	VERB
asfbr-230	114	27	value	value	NOUN
asfbr-230	114	28	.	.	PUNCT
asfbr-230	115	1	for	for	ADP
asfbr-230	115	2	each	each	DET
asfbr-230	115	3	case	case	NOUN
asfbr-230	115	4	,	,	PUNCT
asfbr-230	115	5	the	the	DET
asfbr-230	115	6	predicted	predict	VERB
asfbr-230	115	7	value	value	NOUN
asfbr-230	115	8	is	be	AUX
asfbr-230	115	9	the	the	DET
asfbr-230	115	10	value	value	NOUN
asfbr-230	115	11	predicted	predict	VERB
asfbr-230	115	12	by	by	ADP
asfbr-230	115	13	the	the	DET
asfbr-230	115	14	regression	regression	NOUN
asfbr-230	115	15	model	model	NOUN
asfbr-230	115	16	and	and	CCONJ
asfbr-230	115	17	for	for	ADP
asfbr-230	115	18	each	each	DET
asfbr-230	115	19	case	case	NOUN
asfbr-230	115	20	;	;	PUNCT
asfbr-230	115	21	the	the	DET
asfbr-230	115	22	residual	residual	ADJ
asfbr-230	115	23	is	be	AUX
asfbr-230	115	24	the	the	DET
asfbr-230	115	25	difference	difference	NOUN
asfbr-230	115	26	between	between	ADP
asfbr-230	115	27	the	the	DET
asfbr-230	115	28	observed	observe	VERB
asfbr-230	115	29	value	value	NOUN
asfbr-230	115	30	of	of	ADP
asfbr-230	115	31	the	the	DET
asfbr-230	115	32	dependent	dependent	ADJ
asfbr-230	115	33	variable	variable	NOUN
asfbr-230	115	34	and	and	CCONJ
asfbr-230	115	35	the	the	DET
asfbr-230	115	36	value	value	NOUN
asfbr-230	115	37	predicted	predict	VERB
asfbr-230	115	38	by	by	ADP
asfbr-230	115	39	the	the	DET
asfbr-230	115	40	model	model	NOUN
asfbr-230	115	41	.	.	PUNCT
asfbr-230	116	1	residuals	residual	NOUN
asfbr-230	116	2	are	be	AUX
asfbr-230	116	3	estimate	estimate	NOUN
asfbr-230	116	4	of	of	ADP
asfbr-230	116	5	the	the	DET
asfbr-230	116	6	true	true	ADJ
asfbr-230	116	7	errors	error	NOUN
asfbr-230	116	8	in	in	ADP
asfbr-230	116	9	the	the	DET
asfbr-230	116	10	model	model	NOUN
asfbr-230	116	11	,	,	PUNCT
asfbr-230	116	12	if	if	SCONJ
asfbr-230	116	13	the	the	DET
asfbr-230	116	14	model	model	NOUN
asfbr-230	116	15	is	be	AUX
asfbr-230	116	16	appropriate	appropriate	ADJ
asfbr-230	116	17	for	for	ADP
asfbr-230	116	18	the	the	DET
asfbr-230	116	19	data	datum	NOUN
asfbr-230	116	20	,	,	PUNCT
asfbr-230	116	21	the	the	DET
asfbr-230	116	22	residuals	residual	NOUN
asfbr-230	116	23	should	should	AUX
asfbr-230	116	24	follow	follow	VERB
asfbr-230	116	25	a	a	DET
asfbr-230	116	26	normal	normal	ADJ
asfbr-230	116	27	distribution	distribution	NOUN
asfbr-230	116	28	.	.	PUNCT
asfbr-230	117	1	standardized	standardize	VERB
asfbr-230	117	2	predicted	predict	VERB
asfbr-230	117	3	values	value	NOUN
asfbr-230	117	4	are	be	AUX
asfbr-230	117	5	predicted	predict	VERB
asfbr-230	117	6	values	value	NOUN
asfbr-230	117	7	standardize	standardize	VERB
asfbr-230	117	8	to	to	PART
asfbr-230	117	9	have	have	AUX
asfbr-230	117	10	mean	mean	VERB
asfbr-230	117	11	0	0	NUM
asfbr-230	117	12	and	and	CCONJ
asfbr-230	117	13	standard	standard	ADJ
asfbr-230	117	14	deviation	deviation	NOUN
asfbr-230	117	15	of	of	ADP
asfbr-230	117	16	1	1	NUM
asfbr-230	117	17	.	.	PUNCT
asfbr-230	118	1	in	in	ADP
asfbr-230	118	2	short	short	ADJ
asfbr-230	118	3	standardize	standardize	NOUN
asfbr-230	118	4	residuals	residual	NOUN
asfbr-230	118	5	are	be	AUX
asfbr-230	118	6	ordinary	ordinary	ADJ
asfbr-230	118	7	residuals	residual	NOUN
asfbr-230	118	8	divided	divide	VERB
asfbr-230	118	9	by	by	ADP
asfbr-230	118	10	the	the	DET
asfbr-230	118	11	sample	sample	NOUN
asfbr-230	118	12	standard	standard	ADJ
asfbr-230	118	13	deviation	deviation	NOUN
asfbr-230	118	14	of	of	ADP
asfbr-230	118	15	the	the	DET
asfbr-230	118	16	residual	residual	ADJ
asfbr-230	118	17	and	and	CCONJ
asfbr-230	118	18	have	have	VERB
asfbr-230	118	19	mean	mean	NOUN
asfbr-230	118	20	of	of	ADP
asfbr-230	118	21	0	0	NUM
asfbr-230	118	22	and	and	CCONJ
asfbr-230	118	23	standard	standard	ADJ
asfbr-230	118	24	deviation	deviation	NOUN
asfbr-230	118	25	of	of	ADP
asfbr-230	118	26	1	1	NUM
asfbr-230	118	27	.	.	PUNCT
asfbr-230	118	28	12.2	12.2	NUM
asfbr-230	118	29	test	test	NOUN
asfbr-230	118	30	of	of	ADP
asfbr-230	118	31	normality	normality	NOUN
asfbr-230	118	32	of	of	ADP
asfbr-230	118	33	residuals	residual	NOUN
asfbr-230	118	34	one	one	NUM
asfbr-230	118	35	of	of	ADP
asfbr-230	118	36	the	the	DET
asfbr-230	118	37	assumptions	assumption	NOUN
asfbr-230	118	38	of	of	ADP
asfbr-230	118	39	linear	linear	ADJ
asfbr-230	118	40	regression	regression	NOUN
asfbr-230	118	41	analysis	analysis	NOUN
asfbr-230	118	42	is	be	AUX
asfbr-230	118	43	that	that	SCONJ
asfbr-230	118	44	the	the	DET
asfbr-230	118	45	residual	residual	ADJ
asfbr-230	118	46	is	be	AUX
asfbr-230	118	47	normally	normally	ADV
asfbr-230	118	48	distributed	distribute	VERB
asfbr-230	118	49	,	,	PUNCT
asfbr-230	118	50	at	at	ADP
asfbr-230	118	51	the	the	DET
asfbr-230	118	52	mean	mean	NOUN
asfbr-230	118	53	of	of	ADP
asfbr-230	118	54	zero	zero	NUM
asfbr-230	118	55	and	and	CCONJ
asfbr-230	118	56	standard	standard	ADJ
asfbr-230	118	57	deviation	deviation	NOUN
asfbr-230	118	58	of	of	ADP
asfbr-230	118	59	one	one	NUM
asfbr-230	118	60	.	.	PUNCT
asfbr-230	119	1	all	all	PRON
asfbr-230	119	2	of	of	ADP
asfbr-230	119	3	the	the	DET
asfbr-230	119	4	results	result	NOUN
asfbr-230	119	5	from	from	ADP
asfbr-230	119	6	the	the	DET
asfbr-230	119	7	examiner	examiner	PROPN
asfbr-230	119	8	command	command	NOUN
asfbr-230	119	9	suggest	suggest	VERB
asfbr-230	119	10	that	that	SCONJ
asfbr-230	119	11	the	the	DET
asfbr-230	119	12	residual	residual	ADJ
asfbr-230	119	13	or	or	CCONJ
asfbr-230	119	14	the	the	DET
asfbr-230	119	15	error	error	NOUN
asfbr-230	119	16	terms	term	NOUN
asfbr-230	119	17	are	be	AUX
asfbr-230	119	18	normally	normally	ADV
asfbr-230	119	19	distributed	distribute	VERB
asfbr-230	119	20	.	.	PUNCT
asfbr-230	120	1	the	the	DET
asfbr-230	120	2	skewness	skewness	NOUN
asfbr-230	120	3	and	and	CCONJ
asfbr-230	120	4	kurtosis	kurtosis	NOUN
asfbr-230	120	5	are	be	AUX
asfbr-230	120	6	near	near	ADJ
asfbr-230	120	7	to	to	ADP
asfbr-230	120	8	0	0	NUM
asfbr-230	120	9	.	.	PUNCT
asfbr-230	121	1	as	as	SCONJ
asfbr-230	121	2	one	one	PRON
asfbr-230	121	3	can	can	AUX
asfbr-230	121	4	observe	observe	VERB
asfbr-230	121	5	from	from	ADP
asfbr-230	121	6	the	the	DET
asfbr-230	121	7	histogram	histogram	NOUN
asfbr-230	121	8	and	and	CCONJ
asfbr-230	121	9	p	p	NOUN
asfbr-230	121	10	-	-	PUNCT
asfbr-230	121	11	p	p	NOUN
asfbr-230	121	12	plot	plot	NOUN
asfbr-230	121	13	it	it	PRON
asfbr-230	121	14	looks	look	VERB
asfbr-230	121	15	normal	normal	ADJ
asfbr-230	121	16	.	.	PUNCT
asfbr-230	122	1	based	base	VERB
asfbr-230	122	2	on	on	ADP
asfbr-230	122	3	these	these	DET
asfbr-230	122	4	results	result	NOUN
asfbr-230	122	5	,	,	PUNCT
asfbr-230	122	6	the	the	DET
asfbr-230	122	7	residuals	residual	NOUN
asfbr-230	122	8	from	from	ADP
asfbr-230	122	9	this	this	DET
asfbr-230	122	10	regression	regression	NOUN
asfbr-230	122	11	appear	appear	VERB
asfbr-230	122	12	to	to	PART
asfbr-230	122	13	conform	conform	VERB
asfbr-230	122	14	to	to	ADP
asfbr-230	122	15	the	the	DET
asfbr-230	122	16	assumption	assumption	NOUN
asfbr-230	122	17	of	of	ADP
asfbr-230	122	18	being	be	AUX
asfbr-230	122	19	normally	normally	ADV
asfbr-230	122	20	distributed	distribute	VERB
asfbr-230	122	21	.	.	PUNCT
asfbr-230	123	1	copyright	copyright	NOUN
asfbr-230	123	2	©	©	PROPN
asfbr-230	123	3	cc	cc	PROPN
asfbr-230	123	4	-	-	PUNCT
asfbr-230	123	5	by	by	ADP
asfbr-230	123	6	-	-	PUNCT
asfbr-230	123	7	nc	nc	PROPN
asfbr-230	123	8	2019	2019	NUM
asfbr-230	123	9	,	,	PUNCT
asfbr-230	123	10	cribfb	cribfb	PROPN
asfbr-230	123	11	|	|	ADV
asfbr-230	123	12	afbr	afbr	ADV
asfbr-230	123	13	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	123	14	asian	asian	ADJ
asfbr-230	123	15	finance	finance	PROPN
asfbr-230	123	16	&	&	CCONJ
asfbr-230	123	17	banking	banking	PROPN
asfbr-230	123	18	review	review	PROPN
asfbr-230	123	19	vol	vol	NOUN
asfbr-230	123	20	.	.	PROPN
asfbr-230	124	1	3	3	NUM
asfbr-230	124	2	,	,	PUNCT
asfbr-230	124	3	no	no	INTJ
asfbr-230	124	4	.	.	NOUN
asfbr-230	124	5	1	1	NUM
asfbr-230	124	6	;	;	PUNCT
asfbr-230	124	7	2019	2019	NUM
asfbr-230	124	8	5	5	NUM
asfbr-230	124	9	figure	figure	NOUN
asfbr-230	124	10	:	:	PUNCT
asfbr-230	124	11	1	1	X
asfbr-230	124	12	.	.	NUM
asfbr-230	124	13	histogram	histogram	NOUN
asfbr-230	124	14	(	(	PUNCT
asfbr-230	124	15	test	test	NOUN
asfbr-230	124	16	of	of	ADP
asfbr-230	124	17	normality	normality	NOUN
asfbr-230	124	18	)	)	PUNCT
asfbr-230	124	19	source	source	NOUN
asfbr-230	124	20	:	:	PUNCT
asfbr-230	124	21	spss	spss	PROPN
asfbr-230	124	22	regression	regression	VERB
asfbr-230	124	23	out	out	ADP
asfbr-230	124	24	put	put	NOUN
asfbr-230	124	25	figure	figure	NOUN
asfbr-230	124	26	:	:	PUNCT
asfbr-230	124	27	2	2	NUM
asfbr-230	124	28	normal	normal	ADJ
asfbr-230	124	29	p	p	NOUN
asfbr-230	124	30	-	-	PUNCT
asfbr-230	124	31	p	p	NOUN
asfbr-230	124	32	plot	plot	NOUN
asfbr-230	124	33	of	of	ADP
asfbr-230	124	34	regressis	regressis	NOUN
asfbr-230	124	35	on	on	ADP
asfbr-230	124	36	tandardized	tandardize	VERB
asfbr-230	124	37	residual	residual	ADJ
asfbr-230	124	38	source	source	NOUN
asfbr-230	124	39	:	:	PUNCT
asfbr-230	124	40	spss	spss	PROPN
asfbr-230	124	41	regression	regression	VERB
asfbr-230	124	42	out	out	ADP
asfbr-230	124	43	put	put	VERB
asfbr-230	124	44	the	the	DET
asfbr-230	124	45	above	above	ADJ
asfbr-230	124	46	figures	figure	NOUN
asfbr-230	124	47	show	show	VERB
asfbr-230	124	48	whether	whether	SCONJ
asfbr-230	124	49	the	the	DET
asfbr-230	124	50	data	datum	NOUN
asfbr-230	124	51	are	be	AUX
asfbr-230	124	52	normally	normally	ADV
asfbr-230	124	53	distributed	distribute	VERB
asfbr-230	124	54	or	or	CCONJ
asfbr-230	124	55	not	not	PART
asfbr-230	124	56	.	.	PUNCT
asfbr-230	125	1	the	the	DET
asfbr-230	125	2	error	error	NOUN
asfbr-230	125	3	term	term	NOUN
asfbr-230	125	4	should	should	AUX
asfbr-230	125	5	be	be	AUX
asfbr-230	125	6	normally	normally	ADV
asfbr-230	125	7	distributed	distribute	VERB
asfbr-230	125	8	at	at	ADP
asfbr-230	125	9	the	the	DET
asfbr-230	125	10	mean	mean	NOUN
asfbr-230	125	11	of	of	ADP
asfbr-230	125	12	0	0	NUM
asfbr-230	125	13	and	and	CCONJ
asfbr-230	125	14	standard	standard	ADJ
asfbr-230	125	15	devotion	devotion	NOUN
asfbr-230	125	16	1	1	NUM
asfbr-230	125	17	,	,	PUNCT
asfbr-230	125	18	here	here	ADV
asfbr-230	125	19	in	in	ADP
asfbr-230	125	20	this	this	DET
asfbr-230	125	21	model	model	NOUN
asfbr-230	125	22	the	the	DET
asfbr-230	125	23	mean	mean	NOUN
asfbr-230	125	24	is	be	AUX
asfbr-230	125	25	approximately	approximately	ADV
asfbr-230	125	26	0	0	NUM
asfbr-230	125	27	and	and	CCONJ
asfbr-230	125	28	the	the	DET
asfbr-230	125	29	standard	standard	ADJ
asfbr-230	125	30	devotion	devotion	NOUN
asfbr-230	125	31	is	be	AUX
asfbr-230	125	32	0.979	0.979	NUM
asfbr-230	125	33	approximately	approximately	ADV
asfbr-230	125	34	1	1	NUM
asfbr-230	125	35	,	,	PUNCT
asfbr-230	125	36	so	so	ADV
asfbr-230	125	37	the	the	DET
asfbr-230	125	38	model	model	NOUN
asfbr-230	125	39	is	be	AUX
asfbr-230	125	40	normally	normally	ADV
asfbr-230	125	41	distributed	distribute	VERB
asfbr-230	125	42	.	.	PUNCT
asfbr-230	126	1	the	the	DET
asfbr-230	126	2	researcher	researcher	NOUN
asfbr-230	126	3	watched	watch	VERB
asfbr-230	126	4	from	from	ADP
asfbr-230	126	5	the	the	DET
asfbr-230	126	6	histogram	histogram	NOUN
asfbr-230	126	7	and	and	CCONJ
asfbr-230	126	8	from	from	ADP
asfbr-230	126	9	the	the	DET
asfbr-230	126	10	pp	pp	PROPN
asfbr-230	126	11	plot	plot	NOUN
asfbr-230	126	12	too	too	ADV
asfbr-230	126	13	.	.	PUNCT
asfbr-230	127	1	copyright	copyright	NOUN
asfbr-230	127	2	©	©	PROPN
asfbr-230	127	3	cc	cc	PROPN
asfbr-230	127	4	-	-	PUNCT
asfbr-230	127	5	by	by	ADP
asfbr-230	127	6	-	-	PUNCT
asfbr-230	127	7	nc	nc	PROPN
asfbr-230	127	8	2019	2019	NUM
asfbr-230	127	9	,	,	PUNCT
asfbr-230	127	10	cribfb	cribfb	PROPN
asfbr-230	127	11	|	|	ADV
asfbr-230	127	12	afbr	afbr	ADV
asfbr-230	127	13	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	127	14	asian	asian	ADJ
asfbr-230	127	15	finance	finance	PROPN
asfbr-230	127	16	&	&	CCONJ
asfbr-230	127	17	banking	banking	PROPN
asfbr-230	127	18	review	review	PROPN
asfbr-230	127	19	vol	vol	NOUN
asfbr-230	127	20	.	.	PROPN
asfbr-230	128	1	3	3	NUM
asfbr-230	128	2	,	,	PUNCT
asfbr-230	128	3	no	no	INTJ
asfbr-230	128	4	.	.	NOUN
asfbr-230	128	5	1	1	NUM
asfbr-230	128	6	;	;	PUNCT
asfbr-230	128	7	2019	2019	NUM
asfbr-230	128	8	6	6	NUM
asfbr-230	128	9	12.3	12.3	NUM
asfbr-230	128	10	relationships	relationship	NOUN
asfbr-230	128	11	between	between	ADP
asfbr-230	128	12	roa	roa	NOUN
asfbr-230	128	13	and	and	CCONJ
asfbr-230	128	14	nplr	nplr	NOUN
asfbr-230	128	15	figure	figure	NOUN
asfbr-230	128	16	3	3	NUM
asfbr-230	128	17	:	:	PUNCT
asfbr-230	128	18	scatter	scatter	NOUN
asfbr-230	128	19	diagram	diagram	NOUN
asfbr-230	128	20	for	for	ADP
asfbr-230	128	21	roa	roa	PROPN
asfbr-230	128	22	vs.	vs.	ADP
asfbr-230	128	23	nplr	nplr	NOUN
asfbr-230	128	24	source	source	NOUN
asfbr-230	128	25	:	:	PUNCT
asfbr-230	128	26	spss	spss	PROPN
asfbr-230	128	27	regression	regression	VERB
asfbr-230	128	28	out	out	ADP
asfbr-230	128	29	put	put	VERB
asfbr-230	128	30	the	the	DET
asfbr-230	128	31	scatter	scatter	NOUN
asfbr-230	128	32	diagram	diagram	NOUN
asfbr-230	128	33	above	above	ADV
asfbr-230	128	34	shows	show	VERB
asfbr-230	128	35	the	the	DET
asfbr-230	128	36	negative	negative	ADJ
asfbr-230	128	37	relationship	relationship	NOUN
asfbr-230	128	38	between	between	ADP
asfbr-230	128	39	the	the	DET
asfbr-230	128	40	two	two	NUM
asfbr-230	128	41	variables	variable	NOUN
asfbr-230	128	42	hence	hence	ADV
asfbr-230	128	43	a	a	DET
asfbr-230	128	44	negative	negative	ADJ
asfbr-230	128	45	gradient	gradient	NOUN
asfbr-230	128	46	.	.	PUNCT
asfbr-230	129	1	this	this	PRON
asfbr-230	129	2	confirms	confirm	VERB
asfbr-230	129	3	the	the	DET
asfbr-230	129	4	coefficient	coefficient	NOUN
asfbr-230	129	5	of	of	ADP
asfbr-230	129	6	the	the	DET
asfbr-230	129	7	nplr	nplr	NOUN
asfbr-230	129	8	of	of	ADP
asfbr-230	129	9	the	the	DET
asfbr-230	129	10	variable	variable	NOUN
asfbr-230	129	11	in	in	ADP
asfbr-230	129	12	the	the	DET
asfbr-230	129	13	regression	regression	NOUN
asfbr-230	129	14	equation	equation	NOUN
asfbr-230	129	15	and	and	CCONJ
asfbr-230	129	16	hence	hence	ADV
asfbr-230	129	17	non	non	ADJ
asfbr-230	129	18	-	-	ADJ
asfbr-230	129	19	performing	performing	ADJ
asfbr-230	129	20	loans	loan	NOUN
asfbr-230	129	21	is	be	AUX
asfbr-230	129	22	good	good	ADJ
asfbr-230	129	23	indicator	indicator	NOUN
asfbr-230	129	24	of	of	ADP
asfbr-230	129	25	return	return	NOUN
asfbr-230	129	26	on	on	ADP
asfbr-230	129	27	asset	asset	NOUN
asfbr-230	129	28	from	from	ADP
asfbr-230	129	29	the	the	DET
asfbr-230	129	30	above	above	ADJ
asfbr-230	129	31	results	result	NOUN
asfbr-230	129	32	.	.	PUNCT
asfbr-230	130	1	the	the	DET
asfbr-230	130	2	points	point	NOUN
asfbr-230	130	3	are	be	AUX
asfbr-230	130	4	closely	closely	ADV
asfbr-230	130	5	clustered	cluster	VERB
asfbr-230	130	6	at	at	ADP
asfbr-230	130	7	one	one	NUM
asfbr-230	130	8	point	point	NOUN
asfbr-230	130	9	.	.	PUNCT
asfbr-230	131	1	this	this	PRON
asfbr-230	131	2	may	may	AUX
asfbr-230	131	3	indicate	indicate	VERB
asfbr-230	131	4	the	the	DET
asfbr-230	131	5	nature	nature	NOUN
asfbr-230	131	6	of	of	ADP
asfbr-230	131	7	performance	performance	NOUN
asfbr-230	131	8	of	of	ADP
asfbr-230	131	9	the	the	DET
asfbr-230	131	10	bank	bank	NOUN
asfbr-230	131	11	and	and	CCONJ
asfbr-230	131	12	the	the	DET
asfbr-230	131	13	level	level	NOUN
asfbr-230	131	14	of	of	ADP
asfbr-230	131	15	shareholding	shareholding	NOUN
asfbr-230	131	16	and	and	CCONJ
asfbr-230	131	17	if	if	SCONJ
asfbr-230	131	18	the	the	DET
asfbr-230	131	19	institution	institution	NOUN
asfbr-230	131	20	is	be	AUX
asfbr-230	131	21	public	public	ADJ
asfbr-230	131	22	listed	list	VERB
asfbr-230	131	23	or	or	CCONJ
asfbr-230	131	24	private	private	ADJ
asfbr-230	131	25	companies	company	NOUN
asfbr-230	131	26	.	.	PUNCT
asfbr-230	132	1	the	the	DET
asfbr-230	132	2	nature	nature	NOUN
asfbr-230	132	3	of	of	ADP
asfbr-230	132	4	relationship	relationship	NOUN
asfbr-230	132	5	does	do	AUX
asfbr-230	132	6	not	not	PART
asfbr-230	132	7	give	give	VERB
asfbr-230	132	8	a	a	DET
asfbr-230	132	9	positive	positive	ADJ
asfbr-230	132	10	relationship	relationship	NOUN
asfbr-230	132	11	to	to	ADP
asfbr-230	132	12	the	the	DET
asfbr-230	132	13	whole	whole	ADJ
asfbr-230	132	14	banking	banking	NOUN
asfbr-230	132	15	sector	sector	NOUN
asfbr-230	132	16	in	in	ADP
asfbr-230	132	17	this	this	DET
asfbr-230	132	18	research	research	NOUN
asfbr-230	132	19	analysis	analysis	NOUN
asfbr-230	132	20	.	.	PUNCT
asfbr-230	133	1	12.4	12.4	NUM
asfbr-230	133	2	relationship	relationship	NOUN
asfbr-230	133	3	between	between	ADP
asfbr-230	133	4	roa	roa	NOUN
asfbr-230	133	5	and	and	CCONJ
asfbr-230	133	6	car	car	NOUN
asfbr-230	133	7	figure	figure	NOUN
asfbr-230	133	8	4	4	NUM
asfbr-230	133	9	:	:	PUNCT
asfbr-230	133	10	scatter	scatter	NOUN
asfbr-230	133	11	diagram	diagram	NOUN
asfbr-230	133	12	for	for	ADP
asfbr-230	133	13	roa	roa	PROPN
asfbr-230	133	14	vs.	vs.	ADP
asfbr-230	133	15	car	car	NOUN
asfbr-230	133	16	from	from	ADP
asfbr-230	133	17	the	the	DET
asfbr-230	133	18	scatter	scatter	NOUN
asfbr-230	133	19	diagram	diagram	NOUN
asfbr-230	133	20	above	above	ADP
asfbr-230	133	21	the	the	DET
asfbr-230	133	22	points	point	NOUN
asfbr-230	133	23	along	along	ADP
asfbr-230	133	24	the	the	DET
asfbr-230	133	25	line	line	NOUN
asfbr-230	133	26	of	of	ADP
asfbr-230	133	27	the	the	DET
asfbr-230	133	28	best	good	ADJ
asfbr-230	133	29	fit	fit	NOUN
asfbr-230	133	30	are	be	AUX
asfbr-230	133	31	observed	observe	VERB
asfbr-230	133	32	to	to	PART
asfbr-230	133	33	have	have	VERB
asfbr-230	133	34	a	a	DET
asfbr-230	133	35	big	big	ADJ
asfbr-230	133	36	dispersion	dispersion	NOUN
asfbr-230	133	37	in	in	ADP
asfbr-230	133	38	regard	regard	NOUN
asfbr-230	133	39	to	to	ADP
asfbr-230	133	40	the	the	DET
asfbr-230	133	41	line	line	NOUN
asfbr-230	133	42	.	.	PUNCT
asfbr-230	134	1	the	the	DET
asfbr-230	134	2	positive	positive	ADJ
asfbr-230	134	3	points	point	NOUN
asfbr-230	134	4	make	make	VERB
asfbr-230	134	5	line	line	NOUN
asfbr-230	134	6	look	look	VERB
asfbr-230	134	7	like	like	ADP
asfbr-230	134	8	horizontal	horizontal	ADJ
asfbr-230	134	9	reducing	reduce	VERB
asfbr-230	134	10	the	the	DET
asfbr-230	134	11	gradient	gradient	NOUN
asfbr-230	134	12	/	/	SYM
asfbr-230	134	13	slope	slope	NOUN
asfbr-230	134	14	between	between	ADP
asfbr-230	134	15	the	the	DET
asfbr-230	134	16	two	two	NUM
asfbr-230	134	17	variables	variable	NOUN
asfbr-230	134	18	.	.	PUNCT
asfbr-230	135	1	copyright	copyright	NOUN
asfbr-230	135	2	©	©	PROPN
asfbr-230	135	3	cc	cc	PROPN
asfbr-230	135	4	-	-	PUNCT
asfbr-230	135	5	by	by	ADP
asfbr-230	135	6	-	-	PUNCT
asfbr-230	135	7	nc	nc	PROPN
asfbr-230	135	8	2019	2019	NUM
asfbr-230	135	9	,	,	PUNCT
asfbr-230	135	10	cribfb	cribfb	PROPN
asfbr-230	135	11	|	|	ADV
asfbr-230	135	12	afbr	afbr	ADV
asfbr-230	135	13	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	135	14	asian	asian	ADJ
asfbr-230	135	15	finance	finance	PROPN
asfbr-230	135	16	&	&	CCONJ
asfbr-230	135	17	banking	banking	PROPN
asfbr-230	135	18	review	review	PROPN
asfbr-230	135	19	vol	vol	NOUN
asfbr-230	135	20	.	.	PROPN
asfbr-230	136	1	3	3	NUM
asfbr-230	136	2	,	,	PUNCT
asfbr-230	136	3	no	no	INTJ
asfbr-230	136	4	.	.	NOUN
asfbr-230	136	5	1	1	NUM
asfbr-230	136	6	;	;	PUNCT
asfbr-230	137	1	2019	2019	NUM
asfbr-230	137	2	7	7	NUM
asfbr-230	137	3	12.5	12.5	NUM
asfbr-230	137	4	descriptive	descriptive	ADJ
asfbr-230	137	5	analysis	analysis	NOUN
asfbr-230	137	6	of	of	ADP
asfbr-230	137	7	commercial	commercial	ADJ
asfbr-230	137	8	banks	bank	NOUN
asfbr-230	137	9	in	in	ADP
asfbr-230	137	10	ethiopia	ethiopia	PROPN
asfbr-230	137	11	the	the	DET
asfbr-230	137	12	relationship	relationship	NOUN
asfbr-230	137	13	between	between	ADP
asfbr-230	137	14	credit	credit	NOUN
asfbr-230	137	15	risk	risk	NOUN
asfbr-230	137	16	management	management	NOUN
asfbr-230	137	17	and	and	CCONJ
asfbr-230	137	18	profitability	profitability	NOUN
asfbr-230	137	19	at	at	ADP
asfbr-230	137	20	cb	cb	PROPN
asfbr-230	137	21	of	of	ADP
asfbr-230	137	22	ethiopia	ethiopia	PROPN
asfbr-230	137	23	graph	graph	NOUN
asfbr-230	137	24	5	5	NUM
asfbr-230	137	25	scatter	scatter	NOUN
asfbr-230	137	26	diagram	diagram	NOUN
asfbr-230	137	27	for	for	ADP
asfbr-230	137	28	roa	roa	PROPN
asfbr-230	137	29	,	,	PUNCT
asfbr-230	137	30	car	car	NOUN
asfbr-230	137	31	and	and	CCONJ
asfbr-230	137	32	nplr	nplr	NOUN
asfbr-230	137	33	of	of	ADP
asfbr-230	137	34	commercial	commercial	ADJ
asfbr-230	137	35	bank	bank	NOUN
asfbr-230	137	36	of	of	ADP
asfbr-230	137	37	ethiopia	ethiopia	PROPN
asfbr-230	137	38	from	from	ADP
asfbr-230	137	39	the	the	DET
asfbr-230	137	40	above	above	ADJ
asfbr-230	137	41	graph	graph	NOUN
asfbr-230	137	42	it‟s	it‟s	PROPN
asfbr-230	137	43	that	that	PRON
asfbr-230	137	44	observed	observe	VERB
asfbr-230	137	45	the	the	DET
asfbr-230	137	46	relations	relation	NOUN
asfbr-230	137	47	between	between	ADP
asfbr-230	137	48	roa	roa	PROPN
asfbr-230	137	49	,	,	PUNCT
asfbr-230	137	50	nplr	nplr	NOUN
asfbr-230	137	51	&	&	CCONJ
asfbr-230	137	52	car	car	NOUN
asfbr-230	137	53	of	of	ADP
asfbr-230	137	54	commercial	commercial	ADJ
asfbr-230	137	55	bank	bank	PROPN
asfbr-230	137	56	of	of	ADP
asfbr-230	137	57	ethiopia	ethiopia	PROPN
asfbr-230	137	58	.	.	PUNCT
asfbr-230	138	1	when	when	SCONJ
asfbr-230	138	2	nplr	nplr	NOUN
asfbr-230	138	3	reaches	reach	VERB
asfbr-230	138	4	its	its	PRON
asfbr-230	138	5	maximum	maximum	NOUN
asfbr-230	138	6	at	at	ADP
asfbr-230	138	7	(	(	PUNCT
asfbr-230	138	8	15	15	NUM
asfbr-230	138	9	)	)	PUNCT
asfbr-230	138	10	,	,	PUNCT
asfbr-230	138	11	roa	roa	PROPN
asfbr-230	138	12	reaches	reach	VERB
asfbr-230	138	13	its	its	PRON
asfbr-230	138	14	minimum	minimum	NOUN
asfbr-230	138	15	at	at	ADP
asfbr-230	138	16	(	(	PUNCT
asfbr-230	138	17	2	2	NUM
asfbr-230	138	18	)	)	PUNCT
asfbr-230	138	19	.	.	PUNCT
asfbr-230	139	1	this	this	PRON
asfbr-230	139	2	means	mean	VERB
asfbr-230	139	3	that	that	SCONJ
asfbr-230	139	4	15	15	NUM
asfbr-230	139	5	%	%	NOUN
asfbr-230	139	6	from	from	ADP
asfbr-230	139	7	the	the	DET
asfbr-230	139	8	total	total	ADJ
asfbr-230	139	9	loan	loan	NOUN
asfbr-230	139	10	are	be	AUX
asfbr-230	139	11	non	non	ADJ
asfbr-230	139	12	-	-	ADJ
asfbr-230	139	13	performing	perform	VERB
asfbr-230	139	14	or	or	CCONJ
asfbr-230	139	15	default	default	NOUN
asfbr-230	139	16	to	to	PART
asfbr-230	139	17	be	be	AUX
asfbr-230	139	18	paid	pay	VERB
asfbr-230	139	19	by	by	ADP
asfbr-230	139	20	the	the	DET
asfbr-230	139	21	bank	bank	NOUN
asfbr-230	139	22	customer	customer	NOUN
asfbr-230	139	23	.	.	PUNCT
asfbr-230	140	1	so	so	ADV
asfbr-230	140	2	an	an	DET
asfbr-230	140	3	increase	increase	NOUN
asfbr-230	140	4	trend	trend	NOUN
asfbr-230	140	5	of	of	ADP
asfbr-230	140	6	roa	roa	PROPN
asfbr-230	140	7	indicates	indicate	VERB
asfbr-230	140	8	that	that	SCONJ
asfbr-230	140	9	the	the	DET
asfbr-230	140	10	profitability	profitability	NOUN
asfbr-230	140	11	of	of	ADP
asfbr-230	140	12	the	the	DET
asfbr-230	140	13	company	company	NOUN
asfbr-230	140	14	is	be	AUX
asfbr-230	140	15	improving	improve	VERB
asfbr-230	140	16	.	.	PUNCT
asfbr-230	141	1	conversely	conversely	ADV
asfbr-230	141	2	,	,	PUNCT
asfbr-230	141	3	a	a	DET
asfbr-230	141	4	decreasing	decrease	VERB
asfbr-230	141	5	trend	trend	NOUN
asfbr-230	141	6	means	mean	VERB
asfbr-230	141	7	that	that	SCONJ
asfbr-230	141	8	profitability	profitability	NOUN
asfbr-230	141	9	is	be	AUX
asfbr-230	141	10	deteriorating	deteriorate	VERB
asfbr-230	141	11	.	.	PUNCT
asfbr-230	142	1	so	so	ADV
asfbr-230	142	2	,	,	PUNCT
asfbr-230	142	3	2	2	NUM
asfbr-230	142	4	%	%	NOUN
asfbr-230	142	5	indicates	indicate	VERB
asfbr-230	142	6	a	a	DET
asfbr-230	142	7	deteriorating	deteriorate	VERB
asfbr-230	142	8	profitability	profitability	NOUN
asfbr-230	142	9	of	of	ADP
asfbr-230	142	10	cb	cb	PROPN
asfbr-230	142	11	of	of	ADP
asfbr-230	142	12	ethiopia	ethiopia	PROPN
asfbr-230	142	13	.	.	PUNCT
asfbr-230	143	1	during	during	ADP
asfbr-230	143	2	(	(	PUNCT
asfbr-230	143	3	2007	2007	NUM
asfbr-230	143	4	-	-	SYM
asfbr-230	143	5	2008	2008	NUM
asfbr-230	143	6	)	)	PUNCT
asfbr-230	143	7	cbe	cbe	PROPN
asfbr-230	143	8	have	have	VERB
asfbr-230	143	9	low	low	ADJ
asfbr-230	143	10	performance	performance	NOUN
asfbr-230	143	11	regarding	regard	VERB
asfbr-230	143	12	credit	credit	NOUN
asfbr-230	143	13	risk	risk	NOUN
asfbr-230	143	14	management	management	NOUN
asfbr-230	143	15	in	in	ADP
asfbr-230	143	16	terms	term	NOUN
asfbr-230	143	17	of	of	ADP
asfbr-230	143	18	(	(	PUNCT
asfbr-230	143	19	nplr	nplr	NOUN
asfbr-230	143	20	)	)	PUNCT
asfbr-230	143	21	and	and	CCONJ
asfbr-230	143	22	from	from	ADP
asfbr-230	143	23	(	(	PUNCT
asfbr-230	143	24	2009	2009	NUM
asfbr-230	143	25	-	-	SYM
asfbr-230	143	26	2016	2016	NUM
asfbr-230	143	27	)	)	PUNCT
asfbr-230	143	28	dramatically	dramatically	ADV
asfbr-230	143	29	decrease	decrease	VERB
asfbr-230	143	30	and	and	CCONJ
asfbr-230	143	31	roa	roa	NOUN
asfbr-230	143	32	is	be	AUX
asfbr-230	143	33	above	above	ADP
asfbr-230	143	34	nplr	nplr	NOUN
asfbr-230	143	35	this	this	PRON
asfbr-230	143	36	shows	show	VERB
asfbr-230	143	37	that	that	SCONJ
asfbr-230	143	38	cb	cb	PROPN
asfbr-230	143	39	of	of	ADP
asfbr-230	143	40	ethiopia	ethiopia	PROPN
asfbr-230	143	41	manages	manage	VERB
asfbr-230	143	42	its	its	PRON
asfbr-230	143	43	default	default	NOUN
asfbr-230	143	44	loan	loan	NOUN
asfbr-230	143	45	properly	properly	ADV
asfbr-230	143	46	and	and	CCONJ
asfbr-230	143	47	the	the	DET
asfbr-230	143	48	profit	profit	NOUN
asfbr-230	143	49	of	of	ADP
asfbr-230	143	50	the	the	DET
asfbr-230	143	51	bank	bank	NOUN
asfbr-230	143	52	also	also	ADV
asfbr-230	143	53	increase	increase	VERB
asfbr-230	143	54	dramatically	dramatically	ADV
asfbr-230	143	55	.	.	PUNCT
asfbr-230	144	1	car	car	NOUN
asfbr-230	144	2	of	of	ADP
asfbr-230	144	3	commercial	commercial	ADJ
asfbr-230	144	4	bank	bank	PROPN
asfbr-230	144	5	of	of	ADP
asfbr-230	144	6	ethiopia	ethiopia	PROPN
asfbr-230	144	7	indicate	indicate	VERB
asfbr-230	144	8	normal	normal	ADJ
asfbr-230	144	9	trend	trend	NOUN
asfbr-230	144	10	throughout	throughout	ADP
asfbr-230	144	11	the	the	DET
asfbr-230	144	12	years	year	NOUN
asfbr-230	144	13	.	.	PUNCT
asfbr-230	145	1	12.6	12.6	NUM
asfbr-230	145	2	the	the	DET
asfbr-230	145	3	relationship	relationship	NOUN
asfbr-230	145	4	between	between	ADP
asfbr-230	145	5	credit	credit	NOUN
asfbr-230	145	6	risk	risk	NOUN
asfbr-230	145	7	management	management	NOUN
asfbr-230	145	8	and	and	CCONJ
asfbr-230	145	9	profitability	profitability	NOUN
asfbr-230	145	10	at	at	ADP
asfbr-230	145	11	boa	boa	PROPN
asfbr-230	145	12	graph	graph	VERB
asfbr-230	145	13	6the	6the	PROPN
asfbr-230	145	14	relationship	relationship	NOUN
asfbr-230	145	15	between	between	ADP
asfbr-230	145	16	credit	credit	NOUN
asfbr-230	145	17	risk	risk	NOUN
asfbr-230	145	18	management	management	NOUN
asfbr-230	145	19	and	and	CCONJ
asfbr-230	145	20	profitability	profitability	NOUN
asfbr-230	145	21	at	at	ADP
asfbr-230	145	22	boa	boa	PROPN
asfbr-230	145	23	scatter	scatter	PROPN
asfbr-230	145	24	diagram	diagram	PROPN
asfbr-230	145	25	for	for	ADP
asfbr-230	145	26	roa	roa	PROPN
asfbr-230	145	27	,	,	PUNCT
asfbr-230	145	28	car	car	NOUN
asfbr-230	145	29	&	&	CCONJ
asfbr-230	145	30	nplr	nplr	NOUN
asfbr-230	145	31	of	of	ADP
asfbr-230	145	32	bank	bank	NOUN
asfbr-230	145	33	of	of	ADP
asfbr-230	145	34	abyssinia	abyssinia	PROPN
asfbr-230	145	35	from	from	ADP
asfbr-230	145	36	the	the	DET
asfbr-230	145	37	above	above	ADJ
asfbr-230	145	38	graph	graph	NOUN
asfbr-230	145	39	were	be	AUX
asfbr-230	145	40	observed	observe	VERB
asfbr-230	145	41	the	the	DET
asfbr-230	145	42	trend	trend	NOUN
asfbr-230	145	43	of	of	ADP
asfbr-230	145	44	roa	roa	NOUN
asfbr-230	145	45	,	,	PUNCT
asfbr-230	145	46	nplr	nplr	NOUN
asfbr-230	145	47	&	&	CCONJ
asfbr-230	145	48	car	car	NOUN
asfbr-230	145	49	for	for	ADP
asfbr-230	145	50	bank	bank	NOUN
asfbr-230	145	51	of	of	ADP
asfbr-230	145	52	abyssinia	abyssinia	PROPN
asfbr-230	145	53	.	.	PUNCT
asfbr-230	146	1	during	during	ADP
asfbr-230	146	2	2008	2008	NUM
asfbr-230	146	3	nplr	nplr	NOUN
asfbr-230	146	4	reaches	reach	VERB
asfbr-230	146	5	its	its	PRON
asfbr-230	146	6	maximum	maximum	NOUN
asfbr-230	146	7	with	with	ADP
asfbr-230	146	8	9.8	9.8	NUM
asfbr-230	146	9	%	%	NOUN
asfbr-230	146	10	this	this	PRON
asfbr-230	146	11	shows	show	VERB
asfbr-230	146	12	that	that	SCONJ
asfbr-230	146	13	from	from	ADP
asfbr-230	146	14	the	the	DET
asfbr-230	146	15	total	total	ADJ
asfbr-230	146	16	loan	loan	NOUN
asfbr-230	146	17	9.8	9.8	NUM
asfbr-230	146	18	%	%	NOUN
asfbr-230	146	19	default	default	NOUN
asfbr-230	146	20	to	to	PART
asfbr-230	146	21	be	be	AUX
asfbr-230	146	22	paid	pay	VERB
asfbr-230	146	23	by	by	ADP
asfbr-230	146	24	the	the	DET
asfbr-230	146	25	customer	customer	NOUN
asfbr-230	146	26	.	.	PUNCT
asfbr-230	147	1	copyright	copyright	NOUN
asfbr-230	147	2	©	©	PROPN
asfbr-230	147	3	cc	cc	PROPN
asfbr-230	147	4	-	-	PUNCT
asfbr-230	147	5	by	by	ADP
asfbr-230	147	6	-	-	PUNCT
asfbr-230	147	7	nc	nc	PROPN
asfbr-230	147	8	2019	2019	NUM
asfbr-230	147	9	,	,	PUNCT
asfbr-230	147	10	cribfb	cribfb	PROPN
asfbr-230	147	11	|	|	ADV
asfbr-230	147	12	afbr	afbr	ADV
asfbr-230	147	13	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	147	14	asian	asian	ADJ
asfbr-230	147	15	finance	finance	PROPN
asfbr-230	147	16	&	&	CCONJ
asfbr-230	147	17	banking	banking	PROPN
asfbr-230	147	18	review	review	PROPN
asfbr-230	147	19	vol	vol	NOUN
asfbr-230	147	20	.	.	PROPN
asfbr-230	148	1	3	3	NUM
asfbr-230	148	2	,	,	PUNCT
asfbr-230	148	3	no	no	INTJ
asfbr-230	148	4	.	.	NOUN
asfbr-230	148	5	1	1	NUM
asfbr-230	148	6	;	;	PUNCT
asfbr-230	148	7	2019	2019	NUM
asfbr-230	148	8	8	8	NUM
asfbr-230	148	9	nplr	nplr	NOUN
asfbr-230	148	10	shows	show	VERB
asfbr-230	148	11	a	a	DET
asfbr-230	148	12	zigzag	zigzag	NOUN
asfbr-230	148	13	trend	trend	NOUN
asfbr-230	148	14	from	from	ADP
asfbr-230	148	15	2008	2008	NUM
asfbr-230	148	16	-	-	SYM
asfbr-230	148	17	2013	2013	NUM
asfbr-230	148	18	and	and	CCONJ
asfbr-230	148	19	it	it	PRON
asfbr-230	148	20	has	have	AUX
asfbr-230	148	21	decrease	decrease	VERB
asfbr-230	148	22	initially	initially	ADV
asfbr-230	148	23	.	.	PUNCT
asfbr-230	149	1	finally	finally	ADV
asfbr-230	149	2	from	from	ADP
asfbr-230	149	3	2014	2014	NUM
asfbr-230	149	4	-	-	SYM
asfbr-230	149	5	2016	2016	NUM
asfbr-230	149	6	it	it	PRON
asfbr-230	149	7	decreases	decrease	VERB
asfbr-230	149	8	at	at	ADP
asfbr-230	149	9	an	an	DET
asfbr-230	149	10	increasing	increase	VERB
asfbr-230	149	11	rate	rate	NOUN
asfbr-230	149	12	.	.	PUNCT
asfbr-230	150	1	in	in	ADP
asfbr-230	150	2	recent	recent	ADJ
asfbr-230	150	3	year	year	NOUN
asfbr-230	150	4	the	the	DET
asfbr-230	150	5	trend	trend	NOUN
asfbr-230	150	6	shows	show	VERB
asfbr-230	150	7	boa	boa	PROPN
asfbr-230	150	8	has	have	AUX
asfbr-230	150	9	managed	manage	VERB
asfbr-230	150	10	its	its	PRON
asfbr-230	150	11	nplr	nplr	NOUN
asfbr-230	150	12	.	.	PUNCT
asfbr-230	151	1	from	from	ADP
asfbr-230	151	2	this	this	DET
asfbr-230	151	3	trend	trend	NOUN
asfbr-230	151	4	were	be	AUX
asfbr-230	151	5	observed	observe	VERB
asfbr-230	151	6	that	that	SCONJ
asfbr-230	151	7	when	when	SCONJ
asfbr-230	151	8	the	the	DET
asfbr-230	151	9	number	number	NOUN
asfbr-230	151	10	of	of	ADP
asfbr-230	151	11	nplr	nplr	NOUN
asfbr-230	151	12	reaches	reach	VERB
asfbr-230	151	13	its	its	PRON
asfbr-230	151	14	maximum	maximum	ADJ
asfbr-230	151	15	roa	roa	NOUN
asfbr-230	151	16	reaches	reach	VERB
asfbr-230	151	17	its	its	PRON
asfbr-230	151	18	minimum	minimum	NOUN
asfbr-230	151	19	from	from	ADP
asfbr-230	151	20	our	our	PRON
asfbr-230	151	21	sample	sample	NOUN
asfbr-230	151	22	of	of	ADP
asfbr-230	151	23	10	10	NUM
asfbr-230	151	24	years	year	NOUN
asfbr-230	151	25	of	of	ADP
asfbr-230	151	26	data	data	PROPN
asfbr-230	151	27	.	.	PUNCT
asfbr-230	152	1	roa	roa	PROPN
asfbr-230	152	2	is	be	AUX
asfbr-230	152	3	greater	great	ADJ
asfbr-230	152	4	than	than	ADP
asfbr-230	152	5	nplr	nplr	NOUN
asfbr-230	152	6	from	from	ADP
asfbr-230	152	7	year	year	NOUN
asfbr-230	152	8	2012	2012	NUM
asfbr-230	152	9	this	this	PRON
asfbr-230	152	10	shows	show	VERB
asfbr-230	152	11	boa	boa	PROPN
asfbr-230	152	12	was	be	AUX
asfbr-230	152	13	managed	manage	VERB
asfbr-230	152	14	its	its	PRON
asfbr-230	152	15	default	default	NOUN
asfbr-230	152	16	loans	loan	NOUN
asfbr-230	152	17	properly	properly	ADV
asfbr-230	152	18	.	.	PUNCT
asfbr-230	153	1	car	car	NOUN
asfbr-230	153	2	shows	show	VERB
asfbr-230	153	3	high	high	ADJ
asfbr-230	153	4	trend	trend	NOUN
asfbr-230	153	5	which	which	PRON
asfbr-230	153	6	means	mean	VERB
asfbr-230	153	7	that	that	SCONJ
asfbr-230	153	8	boa	boa	PROPN
asfbr-230	153	9	kept	keep	VERB
asfbr-230	153	10	high	high	ADJ
asfbr-230	153	11	capital	capital	NOUN
asfbr-230	153	12	for	for	ADP
asfbr-230	153	13	risk	risk	NOUN
asfbr-230	153	14	weighted	weight	VERB
asfbr-230	153	15	sum	sum	NOUN
asfbr-230	153	16	for	for	ADP
asfbr-230	153	17	bank	bank	NOUN
asfbr-230	153	18	assets	asset	NOUN
asfbr-230	153	19	.	.	PUNCT
asfbr-230	154	1	the	the	DET
asfbr-230	154	2	relationship	relationship	NOUN
asfbr-230	154	3	between	between	ADP
asfbr-230	154	4	credit	credit	NOUN
asfbr-230	154	5	risk	risk	NOUN
asfbr-230	154	6	management	management	NOUN
asfbr-230	154	7	and	and	CCONJ
asfbr-230	154	8	profitability	profitability	NOUN
asfbr-230	154	9	at	at	ADP
asfbr-230	154	10	aib	aib	PROPN
asfbr-230	154	11	graph	graph	NOUN
asfbr-230	154	12	7	7	NUM
asfbr-230	154	13	scatter	scatter	NOUN
asfbr-230	154	14	diagram	diagram	NOUN
asfbr-230	154	15	for	for	ADP
asfbr-230	154	16	roa	roa	PROPN
asfbr-230	154	17	,	,	PUNCT
asfbr-230	154	18	car	car	NOUN
asfbr-230	154	19	&	&	CCONJ
asfbr-230	154	20	nplr	nplr	NOUN
asfbr-230	154	21	of	of	ADP
asfbr-230	154	22	awash	awash	ADJ
asfbr-230	154	23	international	international	ADJ
asfbr-230	154	24	bank	bank	NOUN
asfbr-230	154	25	from	from	ADP
asfbr-230	154	26	the	the	DET
asfbr-230	154	27	above	above	ADJ
asfbr-230	154	28	graph	graph	NOUN
asfbr-230	154	29	were	be	AUX
asfbr-230	154	30	observed	observe	VERB
asfbr-230	154	31	the	the	DET
asfbr-230	154	32	relations	relation	NOUN
asfbr-230	154	33	between	between	ADP
asfbr-230	154	34	roa	roa	PROPN
asfbr-230	154	35	,	,	PUNCT
asfbr-230	154	36	nplr	nplr	NOUN
asfbr-230	154	37	&	&	CCONJ
asfbr-230	154	38	car	car	NOUN
asfbr-230	154	39	of	of	ADP
asfbr-230	154	40	awash	awash	PROPN
asfbr-230	154	41	international	international	ADJ
asfbr-230	154	42	bank	bank	NOUN
asfbr-230	154	43	like	like	ADP
asfbr-230	154	44	other	other	ADJ
asfbr-230	154	45	banks	bank	NOUN
asfbr-230	154	46	,	,	PUNCT
asfbr-230	154	47	aib	aib	PROPN
asfbr-230	154	48	have	have	VERB
asfbr-230	154	49	bad	bad	ADJ
asfbr-230	154	50	nplr	nplr	NOUN
asfbr-230	154	51	from	from	ADP
asfbr-230	154	52	(	(	PUNCT
asfbr-230	154	53	2007	2007	NUM
asfbr-230	154	54	-	-	SYM
asfbr-230	154	55	2010	2010	NUM
asfbr-230	154	56	)	)	PUNCT
asfbr-230	154	57	years	year	NOUN
asfbr-230	154	58	but	but	CCONJ
asfbr-230	154	59	it	it	PRON
asfbr-230	154	60	decreases	decrease	VERB
asfbr-230	154	61	continuously	continuously	ADV
asfbr-230	154	62	from	from	ADP
asfbr-230	154	63	(	(	PUNCT
asfbr-230	154	64	2011	2011	NUM
asfbr-230	154	65	-	-	SYM
asfbr-230	154	66	2016	2016	NUM
asfbr-230	154	67	)	)	PUNCT
asfbr-230	154	68	as	as	SCONJ
asfbr-230	154	69	the	the	DET
asfbr-230	154	70	above	above	ADJ
asfbr-230	154	71	figure	figure	NOUN
asfbr-230	154	72	indicated	indicate	VERB
asfbr-230	154	73	.	.	PUNCT
asfbr-230	155	1	roa	roa	PROPN
asfbr-230	155	2	is	be	AUX
asfbr-230	155	3	below	below	ADP
asfbr-230	155	4	nplr	nplr	NOUN
asfbr-230	155	5	from	from	ADP
asfbr-230	155	6	(	(	PUNCT
asfbr-230	155	7	2007	2007	NUM
asfbr-230	155	8	-	-	SYM
asfbr-230	155	9	2010	2010	NUM
asfbr-230	155	10	)	)	PUNCT
asfbr-230	155	11	and	and	CCONJ
asfbr-230	155	12	above	above	ADP
asfbr-230	155	13	nplr	nplr	NOUN
asfbr-230	155	14	from	from	ADP
asfbr-230	155	15	(	(	PUNCT
asfbr-230	155	16	2011	2011	NUM
asfbr-230	155	17	-	-	SYM
asfbr-230	155	18	2016	2016	NUM
asfbr-230	155	19	)	)	PUNCT
asfbr-230	155	20	this	this	PRON
asfbr-230	155	21	indicates	indicate	VERB
asfbr-230	155	22	that	that	SCONJ
asfbr-230	155	23	awash	awash	PROPN
asfbr-230	155	24	international	international	ADJ
asfbr-230	155	25	bank	bank	NOUN
asfbr-230	155	26	have	have	AUX
asfbr-230	155	27	managed	manage	VERB
asfbr-230	155	28	its	its	PRON
asfbr-230	155	29	nplr	nplr	NOUN
asfbr-230	155	30	properly	properly	ADV
asfbr-230	155	31	during	during	ADP
asfbr-230	155	32	years	year	NOUN
asfbr-230	155	33	.	.	PUNCT
asfbr-230	156	1	car	car	NOUN
asfbr-230	156	2	of	of	ADP
asfbr-230	156	3	awash	awash	PROPN
asfbr-230	156	4	international	international	ADJ
asfbr-230	156	5	bank	bank	NOUN
asfbr-230	156	6	is	be	AUX
asfbr-230	156	7	little	little	ADJ
asfbr-230	156	8	to	to	ADP
asfbr-230	156	9	high	high	ADJ
asfbr-230	156	10	relative	relative	ADV
asfbr-230	156	11	from	from	ADP
asfbr-230	156	12	the	the	DET
asfbr-230	156	13	above	above	ADJ
asfbr-230	156	14	mentioned	mention	VERB
asfbr-230	156	15	banks	bank	NOUN
asfbr-230	156	16	.	.	PUNCT
asfbr-230	157	1	the	the	DET
asfbr-230	157	2	relationship	relationship	NOUN
asfbr-230	157	3	between	between	ADP
asfbr-230	157	4	credit	credit	NOUN
asfbr-230	157	5	risk	risk	NOUN
asfbr-230	157	6	management	management	NOUN
asfbr-230	157	7	and	and	CCONJ
asfbr-230	157	8	profitability	profitability	NOUN
asfbr-230	157	9	at	at	ADP
asfbr-230	157	10	nib	nib	NOUN
asfbr-230	157	11	graph	graph	NOUN
asfbr-230	157	12	8	8	NUM
asfbr-230	157	13	scatter	scatter	NOUN
asfbr-230	157	14	diagram	diagram	NOUN
asfbr-230	157	15	for	for	ADP
asfbr-230	157	16	roa	roa	PROPN
asfbr-230	157	17	,	,	PUNCT
asfbr-230	157	18	car	car	NOUN
asfbr-230	157	19	&	&	CCONJ
asfbr-230	157	20	nplr	nplr	NOUN
asfbr-230	157	21	of	of	ADP
asfbr-230	157	22	nib	nib	NOUN
asfbr-230	157	23	international	international	ADJ
asfbr-230	157	24	bank	bank	NOUN
asfbr-230	157	25	the	the	DET
asfbr-230	157	26	above	above	ADJ
asfbr-230	157	27	graph	graph	NOUN
asfbr-230	157	28	shows	show	VERB
asfbr-230	157	29	the	the	DET
asfbr-230	157	30	relation	relation	NOUN
asfbr-230	157	31	between	between	ADP
asfbr-230	157	32	roa	roa	PROPN
asfbr-230	157	33	,	,	PUNCT
asfbr-230	157	34	car	car	NOUN
asfbr-230	157	35	&	&	CCONJ
asfbr-230	157	36	nplr	nplr	NOUN
asfbr-230	157	37	of	of	ADP
asfbr-230	157	38	nib	nib	ADJ
asfbr-230	157	39	international	international	ADJ
asfbr-230	157	40	bank	bank	NOUN
asfbr-230	157	41	.	.	PUNCT
asfbr-230	158	1	nib	nib	PROPN
asfbr-230	158	2	has	have	VERB
asfbr-230	158	3	relatively	relatively	ADV
asfbr-230	158	4	lower	low	ADJ
asfbr-230	158	5	nplr	nplr	NOUN
asfbr-230	158	6	when	when	SCONJ
asfbr-230	158	7	compared	compare	VERB
asfbr-230	158	8	to	to	ADP
asfbr-230	158	9	that	that	PRON
asfbr-230	158	10	of	of	ADP
asfbr-230	158	11	the	the	DET
asfbr-230	158	12	other	other	ADJ
asfbr-230	158	13	banks	bank	NOUN
asfbr-230	158	14	.	.	PUNCT
asfbr-230	159	1	from	from	ADP
asfbr-230	159	2	(	(	PUNCT
asfbr-230	159	3	2007	2007	NUM
asfbr-230	159	4	-	-	SYM
asfbr-230	159	5	2010	2010	NUM
asfbr-230	159	6	)	)	PUNCT
asfbr-230	159	7	,	,	PUNCT
asfbr-230	159	8	nplr	nplr	NOUN
asfbr-230	159	9	is	be	AUX
asfbr-230	159	10	above	above	ADP
asfbr-230	159	11	roa	roa	NOUN
asfbr-230	159	12	and	and	CCONJ
asfbr-230	159	13	from	from	ADP
asfbr-230	159	14	(	(	PUNCT
asfbr-230	159	15	2011	2011	NUM
asfbr-230	159	16	-	-	SYM
asfbr-230	159	17	2016	2016	NUM
asfbr-230	159	18	)	)	PUNCT
asfbr-230	159	19	roa	roa	NOUN
asfbr-230	159	20	is	be	AUX
asfbr-230	159	21	greater	great	ADJ
asfbr-230	159	22	than	than	ADP
asfbr-230	159	23	nplr	nplr	NOUN
asfbr-230	159	24	.	.	PUNCT
asfbr-230	160	1	nib	nib	NOUN
asfbr-230	160	2	has	have	AUX
asfbr-230	160	3	managed	manage	VERB
asfbr-230	160	4	its	its	PRON
asfbr-230	160	5	default	default	NOUN
asfbr-230	160	6	loan	loan	NOUN
asfbr-230	160	7	properly	properly	ADV
asfbr-230	160	8	.	.	PUNCT
asfbr-230	161	1	copyright	copyright	NOUN
asfbr-230	161	2	©	©	PROPN
asfbr-230	161	3	cc	cc	PROPN
asfbr-230	161	4	-	-	PUNCT
asfbr-230	161	5	by	by	ADP
asfbr-230	161	6	-	-	PUNCT
asfbr-230	161	7	nc	nc	PROPN
asfbr-230	161	8	2019	2019	NUM
asfbr-230	161	9	,	,	PUNCT
asfbr-230	161	10	cribfb	cribfb	PROPN
asfbr-230	161	11	|	|	ADV
asfbr-230	161	12	afbr	afbr	ADV
asfbr-230	161	13	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	161	14	asian	asian	ADJ
asfbr-230	161	15	finance	finance	PROPN
asfbr-230	161	16	&	&	CCONJ
asfbr-230	161	17	banking	banking	PROPN
asfbr-230	161	18	review	review	PROPN
asfbr-230	161	19	vol	vol	NOUN
asfbr-230	161	20	.	.	PROPN
asfbr-230	162	1	3	3	NUM
asfbr-230	162	2	,	,	PUNCT
asfbr-230	162	3	no	no	INTJ
asfbr-230	162	4	.	.	NOUN
asfbr-230	162	5	1	1	NUM
asfbr-230	162	6	;	;	PUNCT
asfbr-230	162	7	2019	2019	NUM
asfbr-230	162	8	9	9	NUM
asfbr-230	162	9	car	car	NOUN
asfbr-230	162	10	of	of	ADP
asfbr-230	162	11	nib	nib	NOUN
asfbr-230	162	12	are	be	AUX
asfbr-230	162	13	very	very	ADV
asfbr-230	162	14	high	high	ADJ
asfbr-230	162	15	like	like	ADP
asfbr-230	162	16	other	other	ADJ
asfbr-230	162	17	private	private	ADJ
asfbr-230	162	18	banks	bank	NOUN
asfbr-230	162	19	the	the	DET
asfbr-230	162	20	relationship	relationship	NOUN
asfbr-230	162	21	between	between	ADP
asfbr-230	162	22	credit	credit	NOUN
asfbr-230	162	23	risk	risk	NOUN
asfbr-230	162	24	management	management	NOUN
asfbr-230	162	25	and	and	CCONJ
asfbr-230	162	26	profitability	profitability	NOUN
asfbr-230	162	27	at	at	ADP
asfbr-230	162	28	db	db	PROPN
asfbr-230	162	29	graph	graph	NOUN
asfbr-230	162	30	9	9	NUM
asfbr-230	162	31	scatter	scatter	NOUN
asfbr-230	162	32	diagram	diagram	NOUN
asfbr-230	162	33	for	for	ADP
asfbr-230	162	34	roa	roa	PROPN
asfbr-230	162	35	,	,	PUNCT
asfbr-230	162	36	car	car	NOUN
asfbr-230	162	37	&	&	CCONJ
asfbr-230	162	38	nplr	nplr	NOUN
asfbr-230	162	39	of	of	ADP
asfbr-230	162	40	dashen	dashen	PROPN
asfbr-230	162	41	bank	bank	PROPN
asfbr-230	162	42	the	the	DET
asfbr-230	162	43	above	above	ADJ
asfbr-230	162	44	graph	graph	NOUN
asfbr-230	162	45	shows	show	VERB
asfbr-230	162	46	the	the	DET
asfbr-230	162	47	relation	relation	NOUN
asfbr-230	162	48	between	between	ADP
asfbr-230	162	49	roa	roa	PROPN
asfbr-230	162	50	,	,	PUNCT
asfbr-230	162	51	car	car	NOUN
asfbr-230	162	52	&	&	CCONJ
asfbr-230	162	53	nplr	nplr	NOUN
asfbr-230	162	54	of	of	ADP
asfbr-230	162	55	dashen	dashen	PROPN
asfbr-230	162	56	bank	bank	PROPN
asfbr-230	162	57	dashen	dashen	PROPN
asfbr-230	162	58	bank	bank	PROPN
asfbr-230	162	59	nplr	nplr	NOUN
asfbr-230	162	60	is	be	AUX
asfbr-230	162	61	low	low	ADJ
asfbr-230	162	62	from	from	ADP
asfbr-230	162	63	year	year	NOUN
asfbr-230	162	64	(	(	PUNCT
asfbr-230	162	65	2007	2007	NUM
asfbr-230	162	66	-	-	SYM
asfbr-230	162	67	2016	2016	NUM
asfbr-230	162	68	)	)	PUNCT
asfbr-230	162	69	.	.	PUNCT
asfbr-230	163	1	this	this	PRON
asfbr-230	163	2	shows	show	VERB
asfbr-230	163	3	that	that	SCONJ
asfbr-230	163	4	the	the	DET
asfbr-230	163	5	bank	bank	NOUN
asfbr-230	163	6	managed	manage	VERB
asfbr-230	163	7	loan	loan	NOUN
asfbr-230	163	8	properly	properly	ADV
asfbr-230	163	9	.	.	PUNCT
asfbr-230	164	1	it	it	PRON
asfbr-230	164	2	should	should	AUX
asfbr-230	164	3	be	be	AUX
asfbr-230	164	4	a	a	DET
asfbr-230	164	5	good	good	ADJ
asfbr-230	164	6	example	example	NOUN
asfbr-230	164	7	for	for	ADP
asfbr-230	164	8	other	other	ADJ
asfbr-230	164	9	banks	bank	NOUN
asfbr-230	164	10	regarding	regard	VERB
asfbr-230	164	11	loan	loan	NOUN
asfbr-230	164	12	management	management	NOUN
asfbr-230	164	13	.	.	PUNCT
asfbr-230	165	1	car	car	NOUN
asfbr-230	165	2	of	of	ADP
asfbr-230	165	3	dashen	dashen	PROPN
asfbr-230	165	4	is	be	AUX
asfbr-230	165	5	high	high	ADJ
asfbr-230	165	6	like	like	ADP
asfbr-230	165	7	other	other	ADJ
asfbr-230	165	8	private	private	ADJ
asfbr-230	165	9	banks	bank	NOUN
asfbr-230	165	10	.	.	PUNCT
asfbr-230	166	1	13	13	NUM
asfbr-230	166	2	.	.	PUNCT
asfbr-230	167	1	findings	finding	NOUN
asfbr-230	167	2	of	of	ADP
asfbr-230	167	3	the	the	DET
asfbr-230	167	4	research	research	NOUN
asfbr-230	167	5			PUNCT
asfbr-230	168	1	this	this	DET
asfbr-230	168	2	study	study	NOUN
asfbr-230	168	3	shows	show	VERB
asfbr-230	168	4	that	that	SCONJ
asfbr-230	168	5	there	there	PRON
asfbr-230	168	6	is	be	VERB
asfbr-230	168	7	a	a	DET
asfbr-230	168	8	significant	significant	ADJ
asfbr-230	168	9	relationship	relationship	NOUN
asfbr-230	168	10	between	between	ADP
asfbr-230	168	11	performance	performance	NOUN
asfbr-230	168	12	(	(	PUNCT
asfbr-230	168	13	in	in	ADP
asfbr-230	168	14	terms	term	NOUN
asfbr-230	168	15	of	of	ADP
asfbr-230	168	16	profitability	profitability	NOUN
asfbr-230	168	17	)	)	PUNCT
asfbr-230	168	18	and	and	CCONJ
asfbr-230	168	19	credit	credit	NOUN
asfbr-230	168	20	risk	risk	NOUN
asfbr-230	168	21	management	management	NOUN
asfbr-230	168	22	(	(	PUNCT
asfbr-230	168	23	in	in	ADP
asfbr-230	168	24	terms	term	NOUN
asfbr-230	168	25	of	of	ADP
asfbr-230	168	26	loan	loan	NOUN
asfbr-230	168	27	performance	performance	NOUN
asfbr-230	168	28	and	and	CCONJ
asfbr-230	168	29	capital	capital	NOUN
asfbr-230	168	30	adequacy	adequacy	NOUN
asfbr-230	168	31	)	)	PUNCT
asfbr-230	168	32	.	.	PUNCT
asfbr-230	169	1	the	the	DET
asfbr-230	169	2	results	result	NOUN
asfbr-230	169	3	of	of	ADP
asfbr-230	169	4	the	the	DET
asfbr-230	169	5	analysis	analysis	NOUN
asfbr-230	169	6	states	state	NOUN
asfbr-230	169	7	that	that	SCONJ
asfbr-230	169	8	nplr	nplr	NOUN
asfbr-230	169	9	have	have	VERB
asfbr-230	169	10	negative	negative	ADJ
asfbr-230	169	11	and	and	CCONJ
asfbr-230	169	12	significant	significant	ADJ
asfbr-230	169	13	effect	effect	NOUN
asfbr-230	169	14	whereas	whereas	SCONJ
asfbr-230	169	15	car	car	NOUN
asfbr-230	169	16	have	have	VERB
asfbr-230	169	17	positive	positive	ADJ
asfbr-230	169	18	and	and	CCONJ
asfbr-230	169	19	relatively	relatively	ADV
asfbr-230	169	20	significant	significant	ADJ
asfbr-230	169	21	effect	effect	NOUN
asfbr-230	169	22	on	on	ADP
asfbr-230	169	23	roa	roa	PROPN
asfbr-230	169	24	,	,	PUNCT
asfbr-230	169	25	with	with	ADP
asfbr-230	169	26	nplr	nplr	NOUN
asfbr-230	169	27	having	have	VERB
asfbr-230	169	28	higher	high	ADJ
asfbr-230	169	29	significant	significant	ADJ
asfbr-230	169	30	effect	effect	NOUN
asfbr-230	169	31	on	on	ADP
asfbr-230	169	32	roa	roa	PROPN
asfbr-230	169	33	in	in	ADP
asfbr-230	169	34	comparison	comparison	NOUN
asfbr-230	169	35	to	to	ADP
asfbr-230	169	36	car	car	NOUN
asfbr-230	169	37	.	.	PUNCT
asfbr-230	170	1	the	the	DET
asfbr-230	170	2	regression	regression	NOUN
asfbr-230	170	3	as	as	ADP
asfbr-230	170	4	a	a	DET
asfbr-230	170	5	whole	whole	NOUN
asfbr-230	170	6	has	have	VERB
asfbr-230	170	7	significant	significant	ADJ
asfbr-230	170	8	result	result	NOUN
asfbr-230	170	9	;	;	PUNCT
asfbr-230	170	10	this	this	PRON
asfbr-230	170	11	means	mean	VERB
asfbr-230	170	12	that	that	SCONJ
asfbr-230	170	13	nplr	nplr	NOUN
asfbr-230	170	14	is	be	AUX
asfbr-230	170	15	reliably	reliably	ADV
asfbr-230	170	16	predicted	predict	VERB
asfbr-230	170	17	of	of	ADP
asfbr-230	170	18	roa	roa	NOUN
asfbr-230	170	19	but	but	CCONJ
asfbr-230	170	20	car	car	NOUN
asfbr-230	170	21	has	have	VERB
asfbr-230	170	22	relative	relative	ADJ
asfbr-230	170	23	low	low	ADJ
asfbr-230	170	24	significant	significant	ADJ
asfbr-230	170	25	prediction	prediction	NOUN
asfbr-230	170	26	.	.	PUNCT
asfbr-230	171	1			PUNCT
asfbr-230	172	1	from	from	ADP
asfbr-230	172	2	the	the	DET
asfbr-230	172	3	data	datum	NOUN
asfbr-230	172	4	analyzed	analyze	VERB
asfbr-230	172	5	above	above	ADV
asfbr-230	172	6	,	,	PUNCT
asfbr-230	172	7	the	the	DET
asfbr-230	172	8	relationship	relationship	NOUN
asfbr-230	172	9	of	of	ADP
asfbr-230	172	10	the	the	DET
asfbr-230	172	11	three	three	NUM
asfbr-230	172	12	variables	variable	NOUN
asfbr-230	172	13	i.e.	i.e.	X
asfbr-230	172	14	roa	roa	NOUN
asfbr-230	172	15	,	,	PUNCT
asfbr-230	172	16	car	car	NOUN
asfbr-230	172	17	,	,	PUNCT
asfbr-230	172	18	and	and	CCONJ
asfbr-230	172	19	nplr	nplr	NOUN
asfbr-230	172	20	well	well	ADV
asfbr-230	172	21	explains	explain	VERB
asfbr-230	172	22	the	the	DET
asfbr-230	172	23	credit	credit	NOUN
asfbr-230	172	24	risk	risk	NOUN
asfbr-230	172	25	management	management	NOUN
asfbr-230	172	26	on	on	ADP
asfbr-230	172	27	the	the	DET
asfbr-230	172	28	performance	performance	NOUN
asfbr-230	172	29	of	of	ADP
asfbr-230	172	30	selected	select	VERB
asfbr-230	172	31	institutions	institution	NOUN
asfbr-230	172	32	.	.	PUNCT
asfbr-230	173	1	since	since	SCONJ
asfbr-230	173	2	banks	bank	NOUN
asfbr-230	173	3	take	take	VERB
asfbr-230	173	4	deposits	deposit	NOUN
asfbr-230	173	5	and	and	CCONJ
asfbr-230	173	6	use	use	VERB
asfbr-230	173	7	the	the	DET
asfbr-230	173	8	same	same	ADJ
asfbr-230	173	9	to	to	PART
asfbr-230	173	10	advance	advance	VERB
asfbr-230	173	11	loans	loan	NOUN
asfbr-230	173	12	the	the	DET
asfbr-230	173	13	costs	cost	NOUN
asfbr-230	173	14	associated	associate	VERB
asfbr-230	173	15	with	with	ADP
asfbr-230	173	16	these	these	DET
asfbr-230	173	17	loans	loan	NOUN
asfbr-230	173	18	e.g.	e.g.	ADV
asfbr-230	173	19	insurance	insurance	NOUN
asfbr-230	173	20	costs	cost	NOUN
asfbr-230	173	21	reduce	reduce	VERB
asfbr-230	173	22	the	the	DET
asfbr-230	173	23	profitability	profitability	NOUN
asfbr-230	173	24	margins	margin	NOUN
asfbr-230	173	25	of	of	ADP
asfbr-230	173	26	the	the	DET
asfbr-230	173	27	bank	bank	NOUN
asfbr-230	173	28	.	.	PUNCT
asfbr-230	174	1			PROPN
asfbr-230	175	1	return	return	NOUN
asfbr-230	175	2	on	on	ADP
asfbr-230	175	3	asset	asset	NOUN
asfbr-230	175	4	(	(	PUNCT
asfbr-230	175	5	roa	roa	NOUN
asfbr-230	175	6	)	)	PUNCT
asfbr-230	175	7	measures	measure	VERB
asfbr-230	175	8	the	the	DET
asfbr-230	175	9	ability	ability	NOUN
asfbr-230	175	10	of	of	ADP
asfbr-230	175	11	the	the	DET
asfbr-230	175	12	bank	bank	NOUN
asfbr-230	175	13	management	management	NOUN
asfbr-230	175	14	to	to	PART
asfbr-230	175	15	generate	generate	VERB
asfbr-230	175	16	income	income	NOUN
asfbr-230	175	17	by	by	ADP
asfbr-230	175	18	utilizing	utilize	VERB
asfbr-230	175	19	company	company	NOUN
asfbr-230	175	20	assets	asset	NOUN
asfbr-230	175	21	at	at	ADP
asfbr-230	175	22	their	their	PRON
asfbr-230	175	23	disposal	disposal	NOUN
asfbr-230	175	24	.	.	PUNCT
asfbr-230	176	1	therefore	therefore	ADV
asfbr-230	176	2	,	,	PUNCT
asfbr-230	176	3	increased	increase	VERB
asfbr-230	176	4	portfolio	portfolio	NOUN
asfbr-230	176	5	at	at	ADP
asfbr-230	176	6	risk	risk	NOUN
asfbr-230	176	7	will	will	AUX
asfbr-230	176	8	reduce	reduce	VERB
asfbr-230	176	9	the	the	DET
asfbr-230	176	10	revenue	revenue	NOUN
asfbr-230	176	11	aspect	aspect	NOUN
asfbr-230	176	12	and	and	CCONJ
asfbr-230	176	13	increase	increase	VERB
asfbr-230	176	14	the	the	DET
asfbr-230	176	15	cost	cost	NOUN
asfbr-230	176	16	associated	associate	VERB
asfbr-230	176	17	as	as	SCONJ
asfbr-230	176	18	indicated	indicate	VERB
asfbr-230	176	19	by	by	ADP
asfbr-230	176	20	the	the	DET
asfbr-230	176	21	analysis	analysis	NOUN
asfbr-230	176	22	of	of	ADP
asfbr-230	176	23	nonperforming	nonperforme	VERB
asfbr-230	176	24	loans	loan	NOUN
asfbr-230	176	25	.	.	PUNCT
asfbr-230	177	1			VERB
asfbr-230	178	1	the	the	DET
asfbr-230	178	2	output	output	NOUN
asfbr-230	178	3	from	from	ADP
asfbr-230	178	4	the	the	DET
asfbr-230	178	5	regression	regression	NOUN
asfbr-230	178	6	analysis	analysis	NOUN
asfbr-230	178	7	.	.	PUNCT
asfbr-230	179	1	first	first	ADV
asfbr-230	179	2	of	of	ADP
asfbr-230	179	3	all	all	PRON
asfbr-230	179	4	,	,	PUNCT
asfbr-230	179	5	let„s	let„s	ADJ
asfbr-230	179	6	looks	look	VERB
asfbr-230	179	7	the	the	DET
asfbr-230	179	8	p	p	NOUN
asfbr-230	179	9	value	value	NOUN
asfbr-230	179	10	of	of	ADP
asfbr-230	179	11	the	the	DET
asfbr-230	179	12	f	f	PROPN
asfbr-230	179	13	test	test	NOUN
asfbr-230	179	14	to	to	PART
asfbr-230	179	15	see	see	VERB
asfbr-230	179	16	if	if	SCONJ
asfbr-230	179	17	the	the	DET
asfbr-230	179	18	overall	overall	ADJ
asfbr-230	179	19	model	model	NOUN
asfbr-230	179	20	is	be	AUX
asfbr-230	179	21	significant	significant	ADJ
asfbr-230	179	22	or	or	CCONJ
asfbr-230	179	23	not	not	PART
asfbr-230	179	24	(	(	PUNCT
asfbr-230	179	25	from	from	ADP
asfbr-230	179	26	model	model	NOUN
asfbr-230	179	27	summery	summery	ADJ
asfbr-230	179	28	table	table	NOUN
asfbr-230	179	29	2	2	NUM
asfbr-230	179	30	)	)	PUNCT
asfbr-230	179	31	.	.	PUNCT
asfbr-230	180	1	with	with	ADP
asfbr-230	180	2	the	the	DET
asfbr-230	180	3	p	p	NOUN
asfbr-230	180	4	value	value	NOUN
asfbr-230	180	5	of	of	ADP
asfbr-230	180	6	0	0	NUM
asfbr-230	180	7	to	to	ADP
asfbr-230	180	8	the	the	DET
asfbr-230	180	9	four	four	NUM
asfbr-230	180	10	decimal	decimal	ADJ
asfbr-230	180	11	places	place	NOUN
asfbr-230	180	12	,	,	PUNCT
asfbr-230	180	13	the	the	DET
asfbr-230	180	14	model	model	NOUN
asfbr-230	180	15	is	be	AUX
asfbr-230	180	16	statistically	statistically	ADV
asfbr-230	180	17	significant	significant	ADJ
asfbr-230	180	18	.	.	PUNCT
asfbr-230	181	1	the	the	DET
asfbr-230	181	2	r	r	NOUN
asfbr-230	181	3	square	square	NOUN
asfbr-230	181	4	is	be	AUX
asfbr-230	181	5	0.178	0.178	NUM
asfbr-230	181	6	meaning	mean	VERB
asfbr-230	181	7	that	that	SCONJ
asfbr-230	181	8	approximately	approximately	ADV
asfbr-230	181	9	18	18	NUM
asfbr-230	181	10	%	%	NOUN
asfbr-230	181	11	of	of	ADP
asfbr-230	181	12	the	the	DET
asfbr-230	181	13	variability	variability	NOUN
asfbr-230	181	14	of	of	ADP
asfbr-230	181	15	roa	roa	PROPN
asfbr-230	181	16	is	be	AUX
asfbr-230	181	17	accounted	account	VERB
asfbr-230	181	18	for	for	ADP
asfbr-230	181	19	by	by	ADP
asfbr-230	181	20	the	the	DET
asfbr-230	181	21	variables	variable	NOUN
asfbr-230	181	22	in	in	ADP
asfbr-230	181	23	the	the	DET
asfbr-230	181	24	model	model	NOUN
asfbr-230	181	25	.	.	PUNCT
asfbr-230	182	1	the	the	DET
asfbr-230	182	2	coefficient	coefficient	NOUN
asfbr-230	182	3	for	for	ADP
asfbr-230	182	4	each	each	PRON
asfbr-230	182	5	of	of	ADP
asfbr-230	182	6	the	the	DET
asfbr-230	182	7	variables	variable	NOUN
asfbr-230	182	8	indicates	indicate	VERB
asfbr-230	182	9	the	the	DET
asfbr-230	182	10	amount	amount	NOUN
asfbr-230	182	11	of	of	ADP
asfbr-230	182	12	change	change	NOUN
asfbr-230	182	13	one	one	PRON
asfbr-230	182	14	could	could	AUX
asfbr-230	182	15	expect	expect	VERB
asfbr-230	182	16	in	in	ADP
asfbr-230	182	17	roa	roa	NOUN
asfbr-230	182	18	given	give	VERB
asfbr-230	182	19	a	a	DET
asfbr-230	182	20	one	one	NUM
asfbr-230	182	21	unit	unit	NOUN
asfbr-230	182	22	change	change	NOUN
asfbr-230	182	23	in	in	ADP
asfbr-230	182	24	the	the	DET
asfbr-230	182	25	value	value	NOUN
asfbr-230	182	26	of	of	ADP
asfbr-230	182	27	that	that	DET
asfbr-230	182	28	variable	variable	NOUN
asfbr-230	182	29	,	,	PUNCT
asfbr-230	182	30	given	give	VERB
asfbr-230	182	31	that	that	SCONJ
asfbr-230	182	32	all	all	DET
asfbr-230	182	33	other	other	ADJ
asfbr-230	182	34	variables	variable	NOUN
asfbr-230	182	35	in	in	ADP
asfbr-230	182	36	the	the	DET
asfbr-230	182	37	model	model	NOUN
asfbr-230	182	38	are	be	AUX
asfbr-230	182	39	held	hold	VERB
asfbr-230	182	40	constant	constant	ADJ
asfbr-230	182	41	.	.	PUNCT
asfbr-230	183	1	for	for	ADP
asfbr-230	183	2	example	example	NOUN
asfbr-230	183	3	,	,	PUNCT
asfbr-230	183	4	let„s	let„s	PUNCT
asfbr-230	183	5	consider	consider	VERB
asfbr-230	183	6	the	the	DET
asfbr-230	183	7	variable	variable	ADJ
asfbr-230	183	8	nplr	nplr	NOUN
asfbr-230	183	9	(	(	PUNCT
asfbr-230	183	10	coefficients	coefficient	NOUN
asfbr-230	183	11	table	table	NOUN
asfbr-230	183	12	4	4	NUM
asfbr-230	183	13	)	)	PUNCT
asfbr-230	183	14	;	;	PUNCT
asfbr-230	183	15	the	the	DET
asfbr-230	183	16	researcher	researcher	NOUN
asfbr-230	183	17	would	would	AUX
asfbr-230	183	18	expect	expect	VERB
asfbr-230	183	19	a	a	DET
asfbr-230	183	20	decrease	decrease	NOUN
asfbr-230	183	21	of	of	ADP
asfbr-230	183	22	-.075	-.075	PROPN
asfbr-230	183	23	in	in	ADP
asfbr-230	183	24	the	the	DET
asfbr-230	183	25	roa	roa	NOUN
asfbr-230	183	26	score	score	NOUN
asfbr-230	183	27	for	for	ADP
asfbr-230	183	28	every	every	DET
asfbr-230	183	29	one	one	NUM
asfbr-230	183	30	-	-	PUNCT
asfbr-230	183	31	unit	unit	NOUN
asfbr-230	183	32	increase	increase	NOUN
asfbr-230	183	33	in	in	ADP
asfbr-230	183	34	nplr	nplr	NOUN
asfbr-230	183	35	,	,	PUNCT
asfbr-230	183	36	by	by	ADP
asfbr-230	183	37	assuming	assume	VERB
asfbr-230	183	38	that	that	SCONJ
asfbr-230	183	39	all	all	DET
asfbr-230	183	40	other	other	ADJ
asfbr-230	183	41	variables	variable	NOUN
asfbr-230	183	42	in	in	ADP
asfbr-230	183	43	the	the	DET
asfbr-230	183	44	model	model	NOUN
asfbr-230	183	45	are	be	AUX
asfbr-230	183	46	held	hold	VERB
asfbr-230	183	47	constant	constant	ADJ
asfbr-230	183	48	.	.	PUNCT
asfbr-230	184	1			PUNCT
asfbr-230	185	1	here	here	ADV
asfbr-230	185	2	the	the	DET
asfbr-230	185	3	researcher	researcher	NOUN
asfbr-230	185	4	answer	answer	VERB
asfbr-230	185	5	about	about	ADP
asfbr-230	185	6	the	the	DET
asfbr-230	185	7	two	two	NUM
asfbr-230	185	8	predictors	predictor	NOUN
asfbr-230	185	9	,	,	PUNCT
asfbr-230	185	10	whether	whether	SCONJ
asfbr-230	185	11	they	they	PRON
asfbr-230	185	12	are	be	AUX
asfbr-230	185	13	statistically	statistically	ADV
asfbr-230	185	14	significant	significant	ADJ
asfbr-230	185	15	and	and	CCONJ
asfbr-230	185	16	if	if	SCONJ
asfbr-230	185	17	so	so	ADV
asfbr-230	185	18	the	the	DET
asfbr-230	185	19	direction	direction	NOUN
asfbr-230	185	20	of	of	ADP
asfbr-230	185	21	the	the	DET
asfbr-230	185	22	relationship	relationship	NOUN
asfbr-230	185	23	.	.	PUNCT
asfbr-230	186	1	(	(	PUNCT
asfbr-230	186	2	from	from	ADP
asfbr-230	186	3	table4	table4	PROPN
asfbr-230	186	4	)	)	PUNCT
asfbr-230	186	5	the	the	DET
asfbr-230	186	6	effect	effect	NOUN
asfbr-230	186	7	of	of	ADP
asfbr-230	186	8	nplr	nplr	NOUN
asfbr-230	186	9	(	(	PUNCT
asfbr-230	186	10	non	non	ADJ
asfbr-230	186	11	-	-	ADJ
asfbr-230	186	12	performing	performing	ADJ
asfbr-230	186	13	loan	loan	NOUN
asfbr-230	186	14	ratio	ratio	NOUN
asfbr-230	186	15	)	)	PUNCT
asfbr-230	186	16	which	which	PRON
asfbr-230	186	17	is	be	AUX
asfbr-230	186	18	(	(	PUNCT
asfbr-230	186	19	beta	beta	NOUN
asfbr-230	186	20	=	=	SYM
asfbr-230	186	21	-.075	-.075	PROPN
asfbr-230	186	22	,	,	PUNCT
asfbr-230	186	23	p	p	PROPN
asfbr-230	186	24	0.012	0.012	NUM
asfbr-230	186	25	)	)	PUNCT
asfbr-230	186	26	is	be	AUX
asfbr-230	186	27	significant	significant	ADJ
asfbr-230	186	28	and	and	CCONJ
asfbr-230	186	29	its	its	PRON
asfbr-230	186	30	coefficient	coefficient	NOUN
asfbr-230	186	31	is	be	AUX
asfbr-230	186	32	negative	negative	ADJ
asfbr-230	186	33	indicating	indicate	VERB
asfbr-230	186	34	that	that	SCONJ
asfbr-230	186	35	the	the	PRON
asfbr-230	186	36	greater	great	ADJ
asfbr-230	186	37	the	the	DET
asfbr-230	186	38	non	non	ADJ
asfbr-230	186	39	-	-	ADJ
asfbr-230	186	40	performing	perform	VERB
asfbr-230	186	41	loan	loan	NOUN
asfbr-230	186	42	ratio	ratio	NOUN
asfbr-230	186	43	the	the	PRON
asfbr-230	186	44	lower	low	ADJ
asfbr-230	186	45	the	the	DET
asfbr-230	186	46	profitability	profitability	NOUN
asfbr-230	186	47	of	of	ADP
asfbr-230	186	48	commercial	commercial	ADJ
asfbr-230	186	49	banks	bank	NOUN
asfbr-230	186	50	in	in	ADP
asfbr-230	186	51	ethiopia	ethiopia	PROPN
asfbr-230	186	52	.	.	PUNCT
asfbr-230	187	1	if	if	SCONJ
asfbr-230	187	2	the	the	DET
asfbr-230	187	3	nplr	nplr	NOUN
asfbr-230	187	4	is	be	AUX
asfbr-230	187	5	high	high	ADJ
asfbr-230	187	6	lower	low	ADJ
asfbr-230	187	7	profitability	profitability	NOUN
asfbr-230	187	8	of	of	ADP
asfbr-230	187	9	banks	bank	NOUN
asfbr-230	187	10	.	.	PUNCT
asfbr-230	188	1	this	this	DET
asfbr-230	188	2	result	result	NOUN
asfbr-230	188	3	also	also	ADV
asfbr-230	188	4	makes	make	VERB
asfbr-230	188	5	sense	sense	NOUN
asfbr-230	188	6	,	,	PUNCT
asfbr-230	188	7	because	because	SCONJ
asfbr-230	188	8	both	both	CCONJ
asfbr-230	188	9	the	the	DET
asfbr-230	188	10	theoretical	theoretical	ADJ
asfbr-230	188	11	and	and	CCONJ
asfbr-230	188	12	empirical	empirical	ADJ
asfbr-230	188	13	evidences	evidence	NOUN
asfbr-230	188	14	„	„	PUNCT
asfbr-230	188	15	support	support	NOUN
asfbr-230	188	16	that	that	PRON
asfbr-230	188	17	too	too	ADV
asfbr-230	188	18	.	.	PUNCT
asfbr-230	189	1	the	the	DET
asfbr-230	189	2	effect	effect	NOUN
asfbr-230	189	3	of	of	ADP
asfbr-230	189	4	capital	capital	NOUN
asfbr-230	189	5	adequacy	adequacy	NOUN
asfbr-230	189	6	ratio	ratio	NOUN
asfbr-230	189	7	is	be	AUX
asfbr-230	189	8	also	also	ADV
asfbr-230	189	9	(	(	PUNCT
asfbr-230	189	10	car	car	NOUN
asfbr-230	189	11	,	,	PUNCT
asfbr-230	189	12	beta	beta	NOUN
asfbr-230	189	13	=	=	NOUN
asfbr-230	189	14	0.042	0.042	NUM
asfbr-230	189	15	)	)	PUNCT
asfbr-230	189	16	significant	significant	ADJ
asfbr-230	189	17	(	(	PUNCT
asfbr-230	189	18	p	p	X
asfbr-230	189	19	,	,	PUNCT
asfbr-230	189	20	0.061	0.061	NUM
asfbr-230	189	21	)	)	PUNCT
asfbr-230	189	22	and	and	CCONJ
asfbr-230	189	23	as	as	SCONJ
asfbr-230	189	24	watched	watch	VERB
asfbr-230	189	25	it	it	PRON
asfbr-230	189	26	is	be	AUX
asfbr-230	189	27	positive	positive	ADJ
asfbr-230	189	28	and	and	CCONJ
asfbr-230	189	29	p	p	NOUN
asfbr-230	189	30	value	value	NOUN
asfbr-230	189	31	greater	great	ADJ
asfbr-230	189	32	than	than	ADP
asfbr-230	189	33	0.05	0.05	NUM
asfbr-230	189	34	which	which	PRON
asfbr-230	189	35	indicates	indicate	VERB
asfbr-230	189	36	that	that	DET
asfbr-230	189	37	car	car	NOUN
asfbr-230	189	38	have	have	VERB
asfbr-230	189	39	relatively	relatively	ADV
asfbr-230	189	40	low	low	ADJ
asfbr-230	189	41	or	or	CCONJ
asfbr-230	189	42	insignificant	insignificant	ADJ
asfbr-230	189	43	effect	effect	NOUN
asfbr-230	189	44	on	on	ADP
asfbr-230	189	45	roa	roa	PROPN
asfbr-230	189	46	.	.	PUNCT
asfbr-230	190	1	copyright	copyright	NOUN
asfbr-230	190	2	©	©	PROPN
asfbr-230	190	3	cc	cc	PROPN
asfbr-230	190	4	-	-	PUNCT
asfbr-230	190	5	by	by	ADP
asfbr-230	190	6	-	-	PUNCT
asfbr-230	190	7	nc	nc	PROPN
asfbr-230	190	8	2019	2019	NUM
asfbr-230	190	9	,	,	PUNCT
asfbr-230	190	10	cribfb	cribfb	PROPN
asfbr-230	190	11	|	|	ADV
asfbr-230	190	12	afbr	afbr	ADV
asfbr-230	190	13	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	190	14	asian	asian	ADJ
asfbr-230	190	15	finance	finance	PROPN
asfbr-230	190	16	&	&	CCONJ
asfbr-230	190	17	banking	banking	PROPN
asfbr-230	190	18	review	review	PROPN
asfbr-230	190	19	vol	vol	NOUN
asfbr-230	190	20	.	.	PROPN
asfbr-230	191	1	3	3	NUM
asfbr-230	191	2	,	,	PUNCT
asfbr-230	191	3	no	no	INTJ
asfbr-230	191	4	.	.	NOUN
asfbr-230	191	5	1	1	NUM
asfbr-230	191	6	;	;	PUNCT
asfbr-230	191	7	2019	2019	NUM
asfbr-230	191	8	10	10	NUM
asfbr-230	191	9	14	14	NUM
asfbr-230	191	10	.	.	PUNCT
asfbr-230	192	1	conclusion	conclusion	NOUN
asfbr-230	192	2	and	and	CCONJ
asfbr-230	192	3	recommendation	recommendation	VERB
asfbr-230	192	4	the	the	DET
asfbr-230	192	5	purpose	purpose	NOUN
asfbr-230	192	6	of	of	ADP
asfbr-230	192	7	this	this	DET
asfbr-230	192	8	chapter	chapter	NOUN
asfbr-230	192	9	is	be	AUX
asfbr-230	192	10	to	to	PART
asfbr-230	192	11	review	review	VERB
asfbr-230	192	12	the	the	DET
asfbr-230	192	13	whole	whole	ADJ
asfbr-230	192	14	thesis	thesis	NOUN
asfbr-230	192	15	and	and	CCONJ
asfbr-230	192	16	highlight	highlight	VERB
asfbr-230	192	17	future	future	ADJ
asfbr-230	192	18	researcher	researcher	NOUN
asfbr-230	192	19	directions	direction	NOUN
asfbr-230	192	20	.	.	PUNCT
asfbr-230	193	1	the	the	DET
asfbr-230	193	2	next	next	ADJ
asfbr-230	193	3	section	section	NOUN
asfbr-230	193	4	displays	display	VERB
asfbr-230	193	5	recommendation	recommendation	NOUN
asfbr-230	193	6	made	make	VERB
asfbr-230	193	7	by	by	ADP
asfbr-230	193	8	the	the	DET
asfbr-230	193	9	researcher	researcher	NOUN
asfbr-230	193	10	for	for	ADP
asfbr-230	193	11	all	all	DET
asfbr-230	193	12	concerning	concern	VERB
asfbr-230	193	13	issues	issue	NOUN
asfbr-230	193	14	.	.	PUNCT
asfbr-230	194	1	conclusion	conclusion	NOUN
asfbr-230	194	2			VERB
asfbr-230	194	3	the	the	DET
asfbr-230	194	4	main	main	ADJ
asfbr-230	194	5	objective	objective	NOUN
asfbr-230	194	6	of	of	ADP
asfbr-230	194	7	this	this	DET
asfbr-230	194	8	study	study	NOUN
asfbr-230	194	9	was	be	AUX
asfbr-230	194	10	to	to	PART
asfbr-230	194	11	assess	assess	VERB
asfbr-230	194	12	the	the	DET
asfbr-230	194	13	impact	impact	NOUN
asfbr-230	194	14	of	of	ADP
asfbr-230	194	15	credit	credit	NOUN
asfbr-230	194	16	risk	risk	NOUN
asfbr-230	194	17	management	management	NOUN
asfbr-230	194	18	on	on	ADP
asfbr-230	194	19	the	the	DET
asfbr-230	194	20	performance	performance	NOUN
asfbr-230	194	21	of	of	ADP
asfbr-230	194	22	selected	select	VERB
asfbr-230	194	23	commercial	commercial	ADJ
asfbr-230	194	24	banks	bank	NOUN
asfbr-230	194	25	in	in	ADP
asfbr-230	194	26	ethiopia	ethiopia	PROPN
asfbr-230	194	27	,	,	PUNCT
asfbr-230	194	28	for	for	ADP
asfbr-230	194	29	the	the	DET
asfbr-230	194	30	sample	sample	NOUN
asfbr-230	194	31	period	period	NOUN
asfbr-230	194	32	of	of	ADP
asfbr-230	194	33	ten	ten	NUM
asfbr-230	194	34	years	year	NOUN
asfbr-230	194	35	i.e.	i.e.	X
asfbr-230	194	36	2007	2007	NUM
asfbr-230	194	37	to	to	ADP
asfbr-230	194	38	2016	2016	NUM
asfbr-230	194	39	.	.	PUNCT
asfbr-230	195	1			PUNCT
asfbr-230	196	1	the	the	DET
asfbr-230	196	2	study	study	NOUN
asfbr-230	196	3	concluded	conclude	VERB
asfbr-230	196	4	that	that	SCONJ
asfbr-230	196	5	nplr	nplr	NOUN
asfbr-230	196	6	had	have	VERB
asfbr-230	196	7	a	a	DET
asfbr-230	196	8	statistically	statistically	ADV
asfbr-230	196	9	significant	significant	ADJ
asfbr-230	196	10	effect	effect	NOUN
asfbr-230	196	11	on	on	ADP
asfbr-230	196	12	the	the	DET
asfbr-230	196	13	level	level	NOUN
asfbr-230	196	14	of	of	ADP
asfbr-230	196	15	roa	roa	PROPN
asfbr-230	196	16	.	.	PUNCT
asfbr-230	197	1	however	however	ADV
asfbr-230	197	2	,	,	PUNCT
asfbr-230	197	3	the	the	DET
asfbr-230	197	4	results	result	NOUN
asfbr-230	197	5	of	of	ADP
asfbr-230	197	6	this	this	DET
asfbr-230	197	7	multiple	multiple	ADJ
asfbr-230	197	8	regression	regression	NOUN
asfbr-230	197	9	model	model	NOUN
asfbr-230	197	10	revealed	reveal	VERB
asfbr-230	197	11	that	that	SCONJ
asfbr-230	197	12	car	car	NOUN
asfbr-230	197	13	has	have	VERB
asfbr-230	197	14	no	no	DET
asfbr-230	197	15	significant	significant	ADJ
asfbr-230	197	16	effect	effect	NOUN
asfbr-230	197	17	of	of	ADP
asfbr-230	197	18	on	on	ADP
asfbr-230	197	19	the	the	DET
asfbr-230	197	20	level	level	NOUN
asfbr-230	197	21	of	of	ADP
asfbr-230	197	22	roa	roa	PROPN
asfbr-230	197	23	.	.	PUNCT
asfbr-230	197	24			PUNCT
asfbr-230	198	1	there	there	PRON
asfbr-230	198	2	was	be	VERB
asfbr-230	198	3	no	no	DET
asfbr-230	198	4	correlation	correlation	NOUN
asfbr-230	198	5	among	among	ADP
asfbr-230	198	6	independent	independent	ADJ
asfbr-230	198	7	variables	variable	NOUN
asfbr-230	198	8	(	(	PUNCT
asfbr-230	198	9	nplr	nplr	NOUN
asfbr-230	198	10	and	and	CCONJ
asfbr-230	198	11	car	car	NOUN
asfbr-230	198	12	)	)	PUNCT
asfbr-230	198	13	which	which	PRON
asfbr-230	198	14	means	mean	VERB
asfbr-230	198	15	each	each	PRON
asfbr-230	198	16	of	of	ADP
asfbr-230	198	17	the	the	DET
asfbr-230	198	18	independent	independent	ADJ
asfbr-230	198	19	variables	variable	NOUN
asfbr-230	198	20	explained	explain	VERB
asfbr-230	198	21	the	the	DET
asfbr-230	198	22	dependent	dependent	ADJ
asfbr-230	198	23	variable	variable	NOUN
asfbr-230	198	24	separately	separately	ADV
asfbr-230	198	25	.	.	PUNCT
asfbr-230	199	1			PUNCT
asfbr-230	200	1	there	there	PRON
asfbr-230	200	2	was	be	VERB
asfbr-230	200	3	no	no	DET
asfbr-230	200	4	collinearity	collinearity	NOUN
asfbr-230	200	5	(	(	PUNCT
asfbr-230	200	6	multicollinearity	multicollinearity	NOUN
asfbr-230	200	7	)	)	PUNCT
asfbr-230	200	8	among	among	ADP
asfbr-230	200	9	independent	independent	ADJ
asfbr-230	200	10	variables	variable	NOUN
asfbr-230	200	11	.	.	PUNCT
asfbr-230	201	1			PART
asfbr-230	202	1	non	non	ADJ
asfbr-230	202	2	-	-	ADJ
asfbr-230	202	3	performing	perform	VERB
asfbr-230	202	4	loan	loan	NOUN
asfbr-230	202	5	ratio	ratio	NOUN
asfbr-230	202	6	have	have	VERB
asfbr-230	202	7	negative	negative	ADJ
asfbr-230	202	8	impact	impact	NOUN
asfbr-230	202	9	,	,	PUNCT
asfbr-230	202	10	on	on	ADP
asfbr-230	202	11	the	the	DET
asfbr-230	202	12	other	other	ADJ
asfbr-230	202	13	hand	hand	NOUN
asfbr-230	202	14	capital	capital	NOUN
asfbr-230	202	15	adequacy	adequacy	NOUN
asfbr-230	202	16	ratio	ratio	NOUN
asfbr-230	202	17	have	have	VERB
asfbr-230	202	18	positive	positive	ADJ
asfbr-230	202	19	impact	impact	NOUN
asfbr-230	202	20	on	on	ADP
asfbr-230	202	21	profitability	profitability	NOUN
asfbr-230	202	22	of	of	ADP
asfbr-230	202	23	selected	select	VERB
asfbr-230	202	24	commercial	commercial	ADJ
asfbr-230	202	25	banks	bank	NOUN
asfbr-230	202	26	in	in	ADP
asfbr-230	202	27	ethiopia	ethiopia	PROPN
asfbr-230	202	28	.	.	PUNCT
asfbr-230	202	29			PROPN
asfbr-230	203	1	finally	finally	ADV
asfbr-230	203	2	,	,	PUNCT
asfbr-230	203	3	from	from	ADP
asfbr-230	203	4	the	the	DET
asfbr-230	203	5	data	data	NOUN
asfbr-230	203	6	analyses	analysis	NOUN
asfbr-230	203	7	,	,	PUNCT
asfbr-230	203	8	non	non	ADJ
asfbr-230	203	9	-	-	ADJ
asfbr-230	203	10	performing	performing	ADJ
asfbr-230	203	11	loans	loan	NOUN
asfbr-230	203	12	and	and	CCONJ
asfbr-230	203	13	capital	capital	NOUN
asfbr-230	203	14	adequacy	adequacy	NOUN
asfbr-230	203	15	ratio	ratio	NOUN
asfbr-230	203	16	have	have	AUX
asfbr-230	203	17	shown	show	VERB
asfbr-230	203	18	that	that	SCONJ
asfbr-230	203	19	there	there	PRON
asfbr-230	203	20	exists	exist	VERB
asfbr-230	203	21	a	a	DET
asfbr-230	203	22	relationship	relationship	NOUN
asfbr-230	203	23	between	between	ADP
asfbr-230	203	24	credit	credit	NOUN
asfbr-230	203	25	risk	risk	NOUN
asfbr-230	203	26	management	management	NOUN
asfbr-230	203	27	and	and	CCONJ
asfbr-230	203	28	the	the	DET
asfbr-230	203	29	performance	performance	NOUN
asfbr-230	203	30	of	of	ADP
asfbr-230	203	31	selected	select	VERB
asfbr-230	203	32	banks	bank	NOUN
asfbr-230	203	33	.	.	PUNCT
asfbr-230	204	1	but	but	CCONJ
asfbr-230	204	2	car	car	NOUN
asfbr-230	204	3	has	have	VERB
asfbr-230	204	4	relatively	relatively	ADV
asfbr-230	204	5	lower	low	ADJ
asfbr-230	204	6	effect	effect	NOUN
asfbr-230	204	7	on	on	ADP
asfbr-230	204	8	measuring	measure	VERB
asfbr-230	204	9	the	the	DET
asfbr-230	204	10	performance	performance	NOUN
asfbr-230	204	11	of	of	ADP
asfbr-230	204	12	selected	select	VERB
asfbr-230	204	13	banks	bank	NOUN
asfbr-230	204	14	.	.	PUNCT
asfbr-230	205	1	an	an	DET
asfbr-230	205	2	increase	increase	NOUN
asfbr-230	205	3	in	in	ADP
asfbr-230	205	4	nplr	nplr	NOUN
asfbr-230	205	5	increases	increase	VERB
asfbr-230	205	6	the	the	DET
asfbr-230	205	7	credit	credit	NOUN
asfbr-230	205	8	risk	risk	NOUN
asfbr-230	205	9	of	of	ADP
asfbr-230	205	10	banks	bank	NOUN
asfbr-230	205	11	.	.	PUNCT
asfbr-230	206	1	recommendation	recommendation	NOUN
asfbr-230	206	2	based	base	VERB
asfbr-230	206	3	on	on	ADP
asfbr-230	206	4	the	the	DET
asfbr-230	206	5	findings	finding	NOUN
asfbr-230	206	6	and	and	CCONJ
asfbr-230	206	7	conclusions	conclusion	NOUN
asfbr-230	206	8	of	of	ADP
asfbr-230	206	9	the	the	DET
asfbr-230	206	10	study	study	NOUN
asfbr-230	206	11	the	the	DET
asfbr-230	206	12	following	follow	VERB
asfbr-230	206	13	recommendations	recommendation	NOUN
asfbr-230	206	14	are	be	AUX
asfbr-230	206	15	given	give	VERB
asfbr-230	206	16	.	.	PUNCT
asfbr-230	206	17			PROPN
asfbr-230	207	1	the	the	DET
asfbr-230	207	2	bank	bank	NOUN
asfbr-230	207	3	management	management	NOUN
asfbr-230	207	4	needs	need	VERB
asfbr-230	207	5	to	to	PART
asfbr-230	207	6	be	be	AUX
asfbr-230	207	7	cautious	cautious	ADJ
asfbr-230	207	8	in	in	ADP
asfbr-230	207	9	setting	set	VERB
asfbr-230	207	10	up	up	ADP
asfbr-230	207	11	a	a	DET
asfbr-230	207	12	credit	credit	NOUN
asfbr-230	207	13	policy	policy	NOUN
asfbr-230	207	14	that	that	PRON
asfbr-230	207	15	will	will	AUX
asfbr-230	207	16	not	not	PART
asfbr-230	207	17	negatively	negatively	ADV
asfbr-230	207	18	affects	affect	VERB
asfbr-230	207	19	profitability	profitability	NOUN
asfbr-230	207	20	and	and	CCONJ
asfbr-230	207	21	also	also	ADV
asfbr-230	207	22	they	they	PRON
asfbr-230	207	23	need	need	VERB
asfbr-230	207	24	to	to	PART
asfbr-230	207	25	know	know	VERB
asfbr-230	207	26	how	how	SCONJ
asfbr-230	207	27	credit	credit	NOUN
asfbr-230	207	28	policy	policy	NOUN
asfbr-230	207	29	affects	affect	VERB
asfbr-230	207	30	the	the	DET
asfbr-230	207	31	operation	operation	NOUN
asfbr-230	207	32	of	of	ADP
asfbr-230	207	33	their	their	PRON
asfbr-230	207	34	banks	bank	NOUN
asfbr-230	207	35	to	to	PART
asfbr-230	207	36	ensure	ensure	VERB
asfbr-230	207	37	judicious	judicious	ADJ
asfbr-230	207	38	utilization	utilization	NOUN
asfbr-230	207	39	of	of	ADP
asfbr-230	207	40	deposits	deposit	NOUN
asfbr-230	207	41	and	and	CCONJ
asfbr-230	207	42	maximization	maximization	NOUN
asfbr-230	207	43	of	of	ADP
asfbr-230	207	44	profit	profit	NOUN
asfbr-230	207	45	.	.	PUNCT
asfbr-230	208	1			PUNCT
asfbr-230	209	1	banks	bank	NOUN
asfbr-230	209	2	should	should	AUX
asfbr-230	209	3	establish	establish	VERB
asfbr-230	209	4	credit	credit	NOUN
asfbr-230	209	5	policies	policy	NOUN
asfbr-230	209	6	and	and	CCONJ
asfbr-230	209	7	standards	standard	NOUN
asfbr-230	209	8	that	that	PRON
asfbr-230	209	9	confirm	confirm	VERB
asfbr-230	209	10	to	to	ADP
asfbr-230	209	11	regulatory	regulatory	ADJ
asfbr-230	209	12	requirements	requirement	NOUN
asfbr-230	209	13	and	and	CCONJ
asfbr-230	209	14	the	the	DET
asfbr-230	209	15	bank	bank	NOUN
asfbr-230	209	16	's	's	PART
asfbr-230	209	17	overall	overall	ADJ
asfbr-230	209	18	objectives	objective	NOUN
asfbr-230	209	19	to	to	PART
asfbr-230	209	20	further	far	ADV
asfbr-230	209	21	reduce	reduce	VERB
asfbr-230	209	22	the	the	DET
asfbr-230	209	23	level	level	NOUN
asfbr-230	209	24	of	of	ADP
asfbr-230	209	25	their	their	PRON
asfbr-230	209	26	credit	credit	NOUN
asfbr-230	209	27	risk	risk	NOUN
asfbr-230	209	28	exposure	exposure	NOUN
asfbr-230	209	29	(	(	PUNCT
asfbr-230	209	30	unprotected	unprotected	ADJ
asfbr-230	209	31	)	)	PUNCT
asfbr-230	209	32	.	.	PUNCT
asfbr-230	210	1			PUNCT
asfbr-230	211	1	banks	bank	NOUN
asfbr-230	211	2	are	be	AUX
asfbr-230	211	3	advised	advise	VERB
asfbr-230	211	4	to	to	PART
asfbr-230	211	5	provide	provide	VERB
asfbr-230	211	6	adequate	adequate	ADJ
asfbr-230	211	7	training	training	NOUN
asfbr-230	211	8	in	in	ADP
asfbr-230	211	9	terms	term	NOUN
asfbr-230	211	10	of	of	ADP
asfbr-230	211	11	their	their	PRON
asfbr-230	211	12	credit	credit	NOUN
asfbr-230	211	13	policies	policy	NOUN
asfbr-230	211	14	and	and	CCONJ
asfbr-230	211	15	standards	standard	NOUN
asfbr-230	211	16	to	to	ADP
asfbr-230	211	17	their	their	PRON
asfbr-230	211	18	employees	employee	NOUN
asfbr-230	211	19	who	who	PRON
asfbr-230	211	20	are	be	AUX
asfbr-230	211	21	working	work	VERB
asfbr-230	211	22	in	in	ADP
asfbr-230	211	23	loan	loan	NOUN
asfbr-230	211	24	disperse	disperse	NOUN
asfbr-230	211	25	department	department	NOUN
asfbr-230	211	26	.	.	PUNCT
asfbr-230	212	1			PUNCT
asfbr-230	213	1	this	this	DET
asfbr-230	213	2	study	study	NOUN
asfbr-230	213	3	could	could	AUX
asfbr-230	213	4	be	be	AUX
asfbr-230	213	5	further	far	ADV
asfbr-230	213	6	developed	develop	VERB
asfbr-230	213	7	by	by	ADP
asfbr-230	213	8	including	include	VERB
asfbr-230	213	9	more	more	ADV
asfbr-230	213	10	independent	independent	ADJ
asfbr-230	213	11	variables	variable	NOUN
asfbr-230	213	12	to	to	ADP
asfbr-230	213	13	the	the	DET
asfbr-230	213	14	regression	regression	NOUN
asfbr-230	213	15	model	model	NOUN
asfbr-230	213	16	and	and	CCONJ
asfbr-230	213	17	increasing	increase	VERB
asfbr-230	213	18	the	the	DET
asfbr-230	213	19	sample	sample	NOUN
asfbr-230	213	20	size	size	NOUN
asfbr-230	213	21	.	.	PUNCT
asfbr-230	214	1			PUNCT
asfbr-230	215	1	it	it	PRON
asfbr-230	215	2	is	be	AUX
asfbr-230	215	3	better	well	ADJ
asfbr-230	215	4	if	if	SCONJ
asfbr-230	215	5	this	this	DET
asfbr-230	215	6	study	study	NOUN
asfbr-230	215	7	is	be	AUX
asfbr-230	215	8	supplemented	supplement	VERB
asfbr-230	215	9	with	with	ADP
asfbr-230	215	10	qualitative	qualitative	ADJ
asfbr-230	215	11	study	study	NOUN
asfbr-230	215	12	of	of	ADP
asfbr-230	215	13	credit	credit	NOUN
asfbr-230	215	14	risk	risk	NOUN
asfbr-230	215	15	management	management	NOUN
asfbr-230	215	16	so	so	SCONJ
asfbr-230	215	17	that	that	SCONJ
asfbr-230	215	18	the	the	DET
asfbr-230	215	19	findings	finding	NOUN
asfbr-230	215	20	would	would	AUX
asfbr-230	215	21	be	be	AUX
asfbr-230	215	22	more	more	ADV
asfbr-230	215	23	objective	objective	ADJ
asfbr-230	215	24	and	and	CCONJ
asfbr-230	215	25	informative	informative	ADJ
asfbr-230	215	26	.	.	PUNCT
asfbr-230	216	1			PART
asfbr-230	216	2	performance	performance	NOUN
asfbr-230	216	3	indicator	indicator	NOUN
asfbr-230	216	4	could	could	AUX
asfbr-230	216	5	be	be	AUX
asfbr-230	216	6	developed	develop	VERB
asfbr-230	216	7	by	by	ADP
asfbr-230	216	8	adding	add	VERB
asfbr-230	216	9	other	other	ADJ
asfbr-230	216	10	relevant	relevant	ADJ
asfbr-230	216	11	dependent	dependent	ADJ
asfbr-230	216	12	variable	variable	NOUN
asfbr-230	216	13	to	to	PART
asfbr-230	216	14	grasp	grasp	VERB
asfbr-230	216	15	(	(	PUNCT
asfbr-230	216	16	understand	understand	VERB
asfbr-230	216	17	)	)	PUNCT
asfbr-230	216	18	the	the	DET
asfbr-230	216	19	whole	whole	ADJ
asfbr-230	216	20	variations	variation	NOUN
asfbr-230	216	21	in	in	ADP
asfbr-230	216	22	performance	performance	NOUN
asfbr-230	216	23	.	.	PUNCT
asfbr-230	217	1			PUNCT
asfbr-230	218	1	finally	finally	ADV
asfbr-230	218	2	,	,	PUNCT
asfbr-230	218	3	the	the	DET
asfbr-230	218	4	study	study	NOUN
asfbr-230	218	5	suggests	suggest	VERB
asfbr-230	218	6	that	that	SCONJ
asfbr-230	218	7	a	a	DET
asfbr-230	218	8	further	further	ADJ
asfbr-230	218	9	study	study	NOUN
asfbr-230	218	10	should	should	AUX
asfbr-230	218	11	be	be	AUX
asfbr-230	218	12	done	do	VERB
asfbr-230	218	13	on	on	ADP
asfbr-230	218	14	the	the	DET
asfbr-230	218	15	impact	impact	NOUN
asfbr-230	218	16	of	of	ADP
asfbr-230	218	17	credit	credit	NOUN
asfbr-230	218	18	risk	risk	NOUN
asfbr-230	218	19	management	management	NOUN
asfbr-230	218	20	on	on	ADP
asfbr-230	218	21	different	different	ADJ
asfbr-230	218	22	aspects	aspect	NOUN
asfbr-230	218	23	of	of	ADP
asfbr-230	218	24	banks	bank	NOUN
asfbr-230	218	25	'	'	PART
asfbr-230	218	26	activity	activity	NOUN
asfbr-230	218	27	.	.	PUNCT
asfbr-230	219	1	references	reference	NOUN
asfbr-230	219	2	achou	achou	PROPN
asfbr-230	219	3	,	,	PUNCT
asfbr-230	219	4	f.	f.	PROPN
asfbr-230	219	5	takang	takang	PROPN
asfbr-230	219	6	and	and	CCONJ
asfbr-230	219	7	tenguh	tenguh	PROPN
asfbr-230	219	8	c.	c.	PROPN
asfbr-230	219	9	ntui	ntui	PROPN
asfbr-230	219	10	(	(	PUNCT
asfbr-230	219	11	2008	2008	NUM
asfbr-230	219	12	)	)	PUNCT
asfbr-230	219	13	,	,	PUNCT
asfbr-230	219	14	“	"	PUNCT
asfbr-230	219	15	bank	bank	NOUN
asfbr-230	219	16	performance	performance	NOUN
asfbr-230	219	17	and	and	CCONJ
asfbr-230	219	18	credit	credit	NOUN
asfbr-230	219	19	riskmanagement	riskmanagement	NOUN
asfbr-230	219	20	”	"	PUNCT
asfbr-230	219	21	,	,	PUNCT
asfbr-230	219	22	university	university	NOUN
asfbr-230	219	23	essay	essay	NOUN
asfbr-230	219	24	from	from	ADP
asfbr-230	219	25	högskolaniskövde	högskolaniskövde	PROPN
asfbr-230	219	26	/	/	SYM
asfbr-230	219	27	institutionenförteknikochsamhälle	institutionenförteknikochsamhälle	NOUN
asfbr-230	219	28	;	;	PUNCT
asfbr-230	219	29	högskolaniskövde	högskolaniskövde	PROPN
asfbr-230	219	30	/	/	SYM
asfbr-230	219	31	institutionenförteknikochsamhälle	institutionenförteknikochsamhälle	PROPN
asfbr-230	219	32	afriyie	afriyie	NOUN
asfbr-230	219	33	&	&	CCONJ
asfbr-230	219	34	akotey	akotey	PROPN
asfbr-230	219	35	,	,	PUNCT
asfbr-230	219	36	2012	2012	NUM
asfbr-230	219	37	credit	credit	NOUN
asfbr-230	219	38	risk	risk	NOUN
asfbr-230	219	39	management	management	NOUN
asfbr-230	219	40	&	&	CCONJ
asfbr-230	219	41	profitability	profitability	NOUN
asfbr-230	219	42	of	of	ADP
asfbr-230	219	43	selected	select	VERB
asfbr-230	219	44	rural	rural	ADJ
asfbr-230	219	45	banks	bank	NOUN
asfbr-230	219	46	.	.	PUNCT
asfbr-230	220	1	altunbas	altunbas	PROPN
asfbr-230	220	2	,	,	PUNCT
asfbr-230	220	3	y.	y.	PROPN
asfbr-230	220	4	,	,	PUNCT
asfbr-230	220	5	2005	2005	NUM
asfbr-230	220	6	.	.	PUNCT
asfbr-230	221	1	mergers	merger	NOUN
asfbr-230	221	2	and	and	CCONJ
asfbr-230	221	3	acquisitions	acquisition	NOUN
asfbr-230	221	4	and	and	CCONJ
asfbr-230	221	5	bank	bank	NOUN
asfbr-230	221	6	performance	performance	NOUN
asfbr-230	221	7	in	in	ADP
asfbr-230	221	8	europe	europe	PROPN
asfbr-230	221	9	–	–	PUNCT
asfbr-230	221	10	the	the	DET
asfbr-230	221	11	role	role	NOUN
asfbr-230	221	12	of	of	ADP
asfbr-230	221	13	strategic	strategic	ADJ
asfbr-230	221	14	similarities.european	similarities.european	ADJ
asfbr-230	221	15	central	central	ADJ
asfbr-230	221	16	bank	bank	NOUN
asfbr-230	221	17	,	,	PUNCT
asfbr-230	221	18	working	work	VERB
asfbr-230	221	19	paper	paper	NOUN
asfbr-230	221	20	size	size	NOUN
asfbr-230	221	21	series	series	NOUN
asfbr-230	221	22	,	,	PUNCT
asfbr-230	221	23	no	no	INTJ
asfbr-230	221	24	.	.	NOUN
asfbr-230	221	25	398	398	NUM
asfbr-230	221	26	.	.	PUNCT
asfbr-230	222	1	anthony	anthony	PROPN
asfbr-230	222	2	,	,	PUNCT
asfbr-230	222	3	m.c	m.c	PROPN
asfbr-230	222	4	.	.	PROPN
asfbr-230	222	5	,	,	PUNCT
asfbr-230	222	6	1997	1997	NUM
asfbr-230	222	7	.	.	PUNCT
asfbr-230	223	1	commercial	commercial	ADJ
asfbr-230	223	2	bank	bank	PROPN
asfbr-230	223	3	risk	risk	NOUN
asfbr-230	223	4	management	management	NOUN
asfbr-230	223	5	;	;	PUNCT
asfbr-230	223	6	an	an	DET
asfbr-230	223	7	analysis	analysis	NOUN
asfbr-230	223	8	of	of	ADP
asfbr-230	223	9	the	the	DET
asfbr-230	223	10	process.the	process.the	DET
asfbr-230	223	11	wharton	wharton	PROPN
asfbr-230	223	12	school.university	school.university	NOUN
asfbr-230	223	13	of	of	ADP
asfbr-230	223	14	pennsylvania.financial	pennsylvania.financial	NUM
asfbr-230	223	15	institutions	institution	NOUN
asfbr-230	223	16	centers	center	NOUN
asfbr-230	223	17	.	.	PUNCT
asfbr-230	224	1	asari	asari	PROPN
asfbr-230	224	2	(	(	PUNCT
asfbr-230	224	3	2011	2011	NUM
asfbr-230	224	4	)	)	PUNCT
asfbr-230	224	5	determinants	determinant	NOUN
asfbr-230	224	6	of	of	ADP
asfbr-230	224	7	non	non	ADJ
asfbr-230	224	8	-	-	ADJ
asfbr-230	224	9	performin	performin	ADJ
asfbr-230	224	10	loans	loan	NOUN
asfbr-230	224	11	evidence	evidence	NOUN
asfbr-230	224	12	from	from	ADP
asfbr-230	224	13	commercial	commercial	ADJ
asfbr-230	224	14	banks	bank	NOUN
asfbr-230	224	15	of	of	ADP
asfbr-230	224	16	ethiopia	ethiopia	PROPN
asfbr-230	224	17	.	.	PUNCT
asfbr-230	225	1	athanasoglou	athanasoglou	PROPN
asfbr-230	225	2	,	,	PUNCT
asfbr-230	225	3	p.	p.	PROPN
asfbr-230	225	4	,	,	PUNCT
asfbr-230	225	5	s.n	s.n	PROPN
asfbr-230	225	6	.	.	PROPN
asfbr-230	225	7	brissimis	brissimis	PROPN
asfbr-230	225	8	and	and	CCONJ
asfbr-230	225	9	m.d	m.d	PROPN
asfbr-230	225	10	.	.	PROPN
asfbr-230	225	11	delis	deli	NOUN
asfbr-230	225	12	,	,	PUNCT
asfbr-230	225	13	2005.bank	2005.bank	ADV
asfbr-230	225	14	-	-	PUNCT
asfbr-230	225	15	specific	specific	ADJ
asfbr-230	225	16	,	,	PUNCT
asfbr-230	225	17	industry	industry	NOUN
asfbr-230	225	18	specific	specific	ADJ
asfbr-230	225	19	and	and	CCONJ
asfbr-230	225	20	macroeconomic	macroeconomic	ADJ
asfbr-230	225	21	determinants	determinant	NOUN
asfbr-230	225	22	of	of	ADP
asfbr-230	225	23	bank	bank	NOUN
asfbr-230	225	24	profitability	profitability	NOUN
asfbr-230	225	25	.	.	PUNCT
asfbr-230	226	1	mpra	mpra	PROPN
asfbr-230	226	2	paper	paper	PROPN
asfbr-230	226	3	no	no	INTJ
asfbr-230	226	4	.	.	PROPN
asfbr-230	226	5	153	153	NUM
asfbr-230	226	6	.	.	PUNCT
asfbr-230	227	1	a.	a.	NOUN
asfbr-230	227	2	v.	v.	PROPN
asfbr-230	227	3	vedpuriswar	vedpuriswar	NOUN
asfbr-230	227	4	,	,	PUNCT
asfbr-230	227	5	2009	2009	NUM
asfbr-230	227	6	credit	credit	NOUN
asfbr-230	227	7	risk	risk	NOUN
asfbr-230	227	8	management	management	NOUN
asfbr-230	227	9	&	&	CCONJ
asfbr-230	227	10	profitability	profitability	NOUN
asfbr-230	227	11	of	of	ADP
asfbr-230	227	12	commercial	commercial	ADJ
asfbr-230	227	13	banks	bank	NOUN
asfbr-230	227	14	in	in	ADP
asfbr-230	227	15	ethiopia	ethiopia	PROPN
asfbr-230	227	16	.	.	PUNCT
asfbr-230	228	1	awoyemi	awoyemi	PROPN
asfbr-230	228	2	samuel	samuel	PROPN
asfbr-230	228	3	olausi	olausi	PROPN
asfbr-230	228	4	,	,	PUNCT
asfbr-230	228	5	banks	bank	NOUN
asfbr-230	228	6	(	(	PUNCT
asfbr-230	228	7	2014	2014	NUM
asfbr-230	228	8	)	)	PUNCT
asfbr-230	228	9	the	the	DET
asfbr-230	228	10	impact	impact	NOUN
asfbr-230	228	11	of	of	ADP
asfbr-230	228	12	credit	credit	NOUN
asfbr-230	228	13	risk	risk	NOUN
asfbr-230	228	14	management	management	NOUN
asfbr-230	228	15	on	on	ADP
asfbr-230	228	16	the	the	DET
asfbr-230	228	17	banks	bank	NOUN
asfbr-230	228	18	of	of	ADP
asfbr-230	228	19	nigeria	nigeria	PROPN
asfbr-230	228	20	.	.	PUNCT
asfbr-230	229	1	basel	basel	PROPN
asfbr-230	229	2	committee	committee	PROPN
asfbr-230	229	3	on	on	ADP
asfbr-230	229	4	banking	banking	NOUN
asfbr-230	229	5	supervision	supervision	NOUN
asfbr-230	229	6	,	,	PUNCT
asfbr-230	229	7	1982.management	1982.management	NUM
asfbr-230	229	8	of	of	ADP
asfbr-230	229	9	banks‟	banks‟	PROPN
asfbr-230	229	10	international	international	ADJ
asfbr-230	229	11	lending	lending	NOUN
asfbr-230	229	12	,	,	PUNCT
asfbr-230	229	13	country	country	NOUN
asfbr-230	229	14	risk	risk	NOUN
asfbr-230	229	15	analysis	analysis	NOUN
asfbr-230	229	16	and	and	CCONJ
asfbr-230	229	17	country	country	NOUN
asfbr-230	229	18	exposure	exposure	NOUN
asfbr-230	229	19	measurement	measurement	NOUN
asfbr-230	229	20	and	and	CCONJ
asfbr-230	229	21	control.available	control.available	ADJ
asfbr-230	229	22	from	from	ADP
asfbr-230	229	23	www.bis.org	www.bis.org	PROPN
asfbr-230	229	24	.	.	PUNCT
asfbr-230	230	1	b.	b.	PROPN
asfbr-230	230	2	ravi	ravi	PROPN
asfbr-230	230	3	kumar	kumar	PROPN
asfbr-230	230	4	,	,	PUNCT
asfbr-230	230	5	“	"	PUNCT
asfbr-230	230	6	financial	financial	ADJ
asfbr-230	230	7	performance	performance	NOUN
asfbr-230	230	8	evaluation	evaluation	NOUN
asfbr-230	230	9	–	–	PUNCT
asfbr-230	230	10	a	a	DET
asfbr-230	230	11	case	case	NOUN
asfbr-230	230	12	study	study	NOUN
asfbr-230	230	13	of	of	ADP
asfbr-230	230	14	bharat	bharat	PROPN
asfbr-230	230	15	heavy	heavy	PROPN
asfbr-230	230	16	electricals	electrical	NOUN
asfbr-230	230	17	limited	limit	VERB
asfbr-230	230	18	,	,	PUNCT
asfbr-230	230	19	”	"	PUNCT
asfbr-230	230	20	epra	epra	ADJ
asfbr-230	230	21	international	international	ADJ
asfbr-230	230	22	journal	journal	NOUN
asfbr-230	230	23	of	of	ADP
asfbr-230	230	24	economic	economic	ADJ
asfbr-230	230	25	and	and	CCONJ
asfbr-230	230	26	business	business	NOUN
asfbr-230	230	27	review	review	PROPN
asfbr-230	230	28	,	,	PUNCT
asfbr-230	230	29	eissn	eissn	PROPN
asfbr-230	230	30	:	:	PUNCT
asfbr-230	230	31	2347	2347	NUM
asfbr-230	230	32	–	–	PUNCT
asfbr-230	230	33	9671	9671	NUM
asfbr-230	230	34	,	,	PUNCT
asfbr-230	230	35	pp	pp	ADJ
asfbr-230	230	36	.	.	PUNCT
asfbr-230	230	37	207	207	NUM
asfbr-230	230	38	–	–	PUNCT
asfbr-230	230	39	211	211	NUM
asfbr-230	230	40	,	,	PUNCT
asfbr-230	230	41	vol	vol	NOUN
asfbr-230	230	42	.	.	NOUN
asfbr-230	230	43	3	3	NUM
asfbr-230	230	44	,	,	PUNCT
asfbr-230	230	45	issue	issue	NOUN
asfbr-230	230	46	.	.	PUNCT
asfbr-230	231	1	11	11	NUM
asfbr-230	231	2	,	,	PUNCT
asfbr-230	231	3	november	november	PROPN
asfbr-230	231	4	2015	2015	NUM
asfbr-230	231	5	,	,	PUNCT
asfbr-230	231	6	published	publish	VERB
asfbr-230	231	7	by	by	ADP
asfbr-230	231	8	epra	epra	NOUN
asfbr-230	231	9	trust	trust	PROPN
asfbr-230	231	10	–	–	PUNCT
asfbr-230	231	11	tiruchirappalli	tiruchirappalli	NOUN
asfbr-230	231	12	.	.	PUNCT
asfbr-230	232	1	www.bis.org	www.bis.org	PROPN
asfbr-230	232	2	copyright	copyright	NOUN
asfbr-230	232	3	©	©	PROPN
asfbr-230	232	4	cc	cc	PROPN
asfbr-230	232	5	-	-	PUNCT
asfbr-230	232	6	by	by	ADP
asfbr-230	232	7	-	-	PUNCT
asfbr-230	232	8	nc	nc	PROPN
asfbr-230	232	9	2019	2019	NUM
asfbr-230	232	10	,	,	PUNCT
asfbr-230	232	11	cribfb	cribfb	PROPN
asfbr-230	232	12	|	|	ADV
asfbr-230	232	13	afbr	afbr	ADV
asfbr-230	232	14	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-230	232	15	asian	asian	ADJ
asfbr-230	232	16	finance	finance	PROPN
asfbr-230	232	17	&	&	CCONJ
asfbr-230	232	18	banking	banking	PROPN
asfbr-230	232	19	review	review	PROPN
asfbr-230	232	20	vol	vol	NOUN
asfbr-230	232	21	.	.	PROPN
asfbr-230	233	1	3	3	NUM
asfbr-230	233	2	,	,	PUNCT
asfbr-230	233	3	no	no	INTJ
asfbr-230	233	4	.	.	NOUN
asfbr-230	233	5	1	1	NUM
asfbr-230	233	6	;	;	PUNCT
asfbr-230	233	7	2019	2019	NUM
asfbr-230	233	8	11	11	NUM
asfbr-230	233	9	basel	basel	PROPN
asfbr-230	233	10	committee	committee	PROPN
asfbr-230	233	11	on	on	ADP
asfbr-230	233	12	banking	banking	NOUN
asfbr-230	233	13	supervision	supervision	NOUN
asfbr-230	233	14	,	,	PUNCT
asfbr-230	233	15	1999	1999	NUM
asfbr-230	233	16	.	.	PUNCT
asfbr-230	234	1	principles	principle	NOUN
asfbr-230	234	2	for	for	ADP
asfbr-230	234	3	the	the	DET
asfbr-230	234	4	management	management	NOUN
asfbr-230	234	5	of	of	ADP
asfbr-230	234	6	credit	credit	NOUN
asfbr-230	234	7	risk	risk	NOUN
asfbr-230	234	8	,	,	PUNCT
asfbr-230	234	9	ch	ch	NOUN
asfbr-230	234	10	–	–	PUNCT
asfbr-230	234	11	4002	4002	NUM
asfbr-230	234	12	basel	basel	PROPN
asfbr-230	234	13	,	,	PUNCT
asfbr-230	234	14	switzerland	switzerland	PROPN
asfbr-230	234	15	bank	bank	PROPN
asfbr-230	234	16	for	for	ADP
asfbr-230	234	17	international	international	ADJ
asfbr-230	234	18	settlements	settlement	NOUN
asfbr-230	234	19	.	.	PUNCT
asfbr-230	235	1	basel	basel	PROPN
asfbr-230	235	2	committee	committee	PROPN
asfbr-230	235	3	on	on	ADP
asfbr-230	235	4	banking	banking	NOUN
asfbr-230	235	5	supervision	supervision	NOUN
asfbr-230	235	6	,	,	PUNCT
asfbr-230	235	7	2001	2001	NUM
asfbr-230	235	8	.	.	PUNCT
asfbr-230	236	1	risk	risk	NOUN
asfbr-230	236	2	management	management	NOUN
asfbr-230	236	3	practices	practice	NOUN
asfbr-230	236	4	and	and	CCONJ
asfbr-230	236	5	regulatory	regulatory	ADJ
asfbr-230	236	6	capital	capital	NOUN
asfbr-230	236	7	:	:	PUNCT
asfbr-230	236	8	crosssectional	crosssectional	ADJ
asfbr-230	236	9	comparison	comparison	NOUN
asfbr-230	236	10	.	.	PUNCT
asfbr-230	237	1	basel	basel	PROPN
asfbr-230	237	2	committee	committee	PROPN
asfbr-230	237	3	on	on	ADP
asfbr-230	237	4	banking	bank	VERB
asfbr-230	237	5	supervision.available	supervision.available	ADJ
asfbr-230	237	6	from	from	ADP
asfbr-230	237	7	www.bis.org	www.bis.org	PROPN
asfbr-230	237	8	.	.	PUNCT
asfbr-230	238	1	b.	b.	PROPN
asfbr-230	238	2	ravi	ravi	PROPN
asfbr-230	238	3	kumar	kumar	PROPN
asfbr-230	238	4	et	et	PROPN
asfbr-230	238	5	.	.	PUNCT
asfbr-230	239	1	al	al	PROPN
asfbr-230	239	2	.	.	PUNCT
asfbr-230	240	1	“	"	PUNCT
asfbr-230	240	2	empirical	empirical	ADJ
asfbr-230	240	3	analysis	analysis	NOUN
asfbr-230	240	4	on	on	ADP
asfbr-230	240	5	financial	financial	ADJ
asfbr-230	240	6	performance	performance	NOUN
asfbr-230	240	7	through	through	ADP
asfbr-230	240	8	cash	cash	NOUN
asfbr-230	240	9	flow	flow	NOUN
asfbr-230	240	10	statements	statement	NOUN
asfbr-230	240	11	,	,	PUNCT
asfbr-230	240	12	”	"	PUNCT
asfbr-230	240	13	international	international	ADJ
asfbr-230	240	14	journal	journal	NOUN
asfbr-230	240	15	of	of	ADP
asfbr-230	240	16	accounting	accounting	PROPN
asfbr-230	240	17	&	&	CCONJ
asfbr-230	240	18	finance	finance	PROPN
asfbr-230	240	19	review	review	PROPN
asfbr-230	240	20	,	,	PUNCT
asfbr-230	240	21	pissn	pissn	PROPN
asfbr-230	240	22	:	:	PUNCT
asfbr-230	240	23	2576	2576	NUM
asfbr-230	240	24	–	–	PUNCT
asfbr-230	240	25	1285	1285	NUM
asfbr-230	240	26	,	,	PUNCT
asfbr-230	240	27	eissn	eissn	PROPN
asfbr-230	240	28	:	:	PUNCT
asfbr-230	240	29	2576	2576	NUM
asfbr-230	240	30	–	–	PUNCT
asfbr-230	240	31	1293	1293	NUM
asfbr-230	240	32	,	,	PUNCT
asfbr-230	240	33	pp	pp	ADJ
asfbr-230	240	34	.	.	NOUN
asfbr-230	240	35	1	1	NUM
asfbr-230	240	36	–	–	SYM
asfbr-230	240	37	12	12	NUM
asfbr-230	240	38	,	,	PUNCT
asfbr-230	240	39	vol	vol	NOUN
asfbr-230	240	40	.	.	NOUN
asfbr-230	241	1	3	3	NUM
asfbr-230	241	2	,	,	PUNCT
asfbr-230	241	3	no	no	INTJ
asfbr-230	241	4	.	.	NOUN
asfbr-230	241	5	1	1	NUM
asfbr-230	241	6	,	,	PUNCT
asfbr-230	241	7	september	september	PROPN
asfbr-230	241	8	–	–	PUNCT
asfbr-230	241	9	2018	2018	NUM
asfbr-230	241	10	,	,	PUNCT
asfbr-230	241	11	published	publish	VERB
asfbr-230	241	12	by	by	ADP
asfbr-230	241	13	centre	centre	NOUN
asfbr-230	241	14	for	for	ADP
asfbr-230	241	15	research	research	NOUN
asfbr-230	241	16	on	on	ADP
asfbr-230	241	17	islamic	islamic	ADJ
asfbr-230	241	18	banking	banking	PROPN
asfbr-230	241	19	&	&	CCONJ
asfbr-230	241	20	finance	finance	PROPN
asfbr-230	241	21	and	and	CCONJ
asfbr-230	241	22	business	business	NOUN
asfbr-230	241	23	–	–	PUNCT
asfbr-230	241	24	usa	usa	PROPN
asfbr-230	241	25	.	.	PROPN
asfbr-230	241	26	basel	basel	PROPN
asfbr-230	241	27	committee	committee	PROPN
asfbr-230	241	28	on	on	ADP
asfbr-230	241	29	banking	banking	NOUN
asfbr-230	241	30	supervision	supervision	NOUN
asfbr-230	241	31	,	,	PUNCT
asfbr-230	241	32	2006	2006	NUM
asfbr-230	241	33	.	.	PUNCT
asfbr-230	242	1	studies	study	NOUN
asfbr-230	242	2	on	on	ADP
asfbr-230	242	3	credit	credit	NOUN
asfbr-230	242	4	risk	risk	NOUN
asfbr-230	242	5	concentration	concentration	NOUN
asfbr-230	242	6	,	,	PUNCT
asfbr-230	242	7	an	an	DET
asfbr-230	242	8	overview	overview	NOUN
asfbr-230	242	9	of	of	ADP
asfbr-230	242	10	the	the	DET
asfbr-230	242	11	issues	issue	NOUN
asfbr-230	242	12	and	and	CCONJ
asfbr-230	242	13	a	a	DET
asfbr-230	242	14	synopsis	synopsis	NOUN
asfbr-230	242	15	of	of	ADP
asfbr-230	242	16	the	the	DET
asfbr-230	242	17	results	result	NOUN
asfbr-230	242	18	from	from	ADP
asfbr-230	242	19	the	the	DET
asfbr-230	242	20	research	research	NOUN
asfbr-230	242	21	task	task	PROPN
asfbr-230	242	22	force	force	PROPN
asfbr-230	242	23	project	project	PROPN
asfbr-230	242	24	.	.	PUNCT
asfbr-230	243	1	available	available	ADJ
asfbr-230	243	2	from	from	ADP
asfbr-230	243	3	www.bis.org	www.bis.org	PROPN
asfbr-230	243	4	.	.	PUNCT
asfbr-230	244	1	b.	b.	PROPN
asfbr-230	244	2	ravi	ravi	PROPN
asfbr-230	244	3	kumar	kumar	PROPN
asfbr-230	244	4	et	et	PROPN
asfbr-230	244	5	.	.	PUNCT
asfbr-230	245	1	al	al	PROPN
asfbr-230	245	2	.	.	PROPN
asfbr-230	245	3	“genesis	“genesis	VERB
asfbr-230	245	4	for	for	ADP
asfbr-230	245	5	increase	increase	NOUN
asfbr-230	245	6	of	of	ADP
asfbr-230	245	7	npas	npas	NOUN
asfbr-230	245	8	in	in	ADP
asfbr-230	245	9	indian	indian	ADJ
asfbr-230	245	10	banks	bank	NOUN
asfbr-230	245	11	,	,	PUNCT
asfbr-230	245	12	”	"	PUNCT
asfbr-230	245	13	journal	journal	NOUN
asfbr-230	245	14	of	of	ADP
asfbr-230	245	15	banking	banking	NOUN
asfbr-230	245	16	and	and	CCONJ
asfbr-230	245	17	finance	finance	NOUN
asfbr-230	245	18	management	management	NOUN
asfbr-230	245	19	,	,	PUNCT
asfbr-230	245	20	pp	pp	CCONJ
asfbr-230	245	21	.	.	NOUN
asfbr-230	245	22	1	1	NUM
asfbr-230	245	23	–	–	SYM
asfbr-230	245	24	8	8	NUM
asfbr-230	245	25	,	,	PUNCT
asfbr-230	245	26	volume	volume	NOUN
asfbr-230	245	27	1	1	NUM
asfbr-230	245	28	,	,	PUNCT
asfbr-230	245	29	issue	issue	NOUN
asfbr-230	245	30	1	1	NUM
asfbr-230	245	31	,	,	PUNCT
asfbr-230	245	32	july	july	PROPN
asfbr-230	245	33	–	–	PUNCT
asfbr-230	245	34	2018	2018	NUM
asfbr-230	245	35	,	,	PUNCT
asfbr-230	245	36	published	publish	VERB
asfbr-230	245	37	by	by	ADP
asfbr-230	245	38	sryahwa	sryahwa	PROPN
asfbr-230	245	39	publications	publication	NOUN
asfbr-230	245	40	–	–	PUNCT
asfbr-230	245	41	usa	usa	PROPN
asfbr-230	245	42	.	.	PROPN
asfbr-230	245	43	bessis	bessis	PROPN
asfbr-230	245	44	,	,	PUNCT
asfbr-230	245	45	j.	j.	PROPN
asfbr-230	245	46	,	,	PUNCT
asfbr-230	245	47	2002	2002	NUM
asfbr-230	245	48	.	.	PUNCT
asfbr-230	246	1	risk	risk	NOUN
asfbr-230	246	2	management	management	NOUN
asfbr-230	246	3	in	in	ADP
asfbr-230	246	4	banking.john	banking.john	PROPN
asfbr-230	246	5	wiley	wiley	NOUN
asfbr-230	246	6	&	&	CCONJ
asfbr-230	246	7	sons	son	NOUN
asfbr-230	246	8	.	.	PUNCT
asfbr-230	247	1	bobakovia	bobakovia	PROPN
asfbr-230	247	2	,	,	PUNCT
asfbr-230	247	3	i.v	i.v	PROPN
asfbr-230	247	4	.	.	PROPN
asfbr-230	247	5	,	,	PUNCT
asfbr-230	247	6	2003	2003	NUM
asfbr-230	247	7	.	.	PUNCT
asfbr-230	248	1	raising	raise	VERB
asfbr-230	248	2	the	the	DET
asfbr-230	248	3	profitability	profitability	NOUN
asfbr-230	248	4	of	of	ADP
asfbr-230	248	5	commercial	commercial	ADJ
asfbr-230	248	6	banks	bank	NOUN
asfbr-230	248	7	,	,	PUNCT
asfbr-230	248	8	biatec	biatec	ADJ
asfbr-230	248	9	,	,	PUNCT
asfbr-230	248	10	retrieved	retrieve	VERB
asfbr-230	248	11	on	on	ADP
asfbr-230	248	12	april	april	PROPN
asfbr-230	248	13	,	,	PUNCT
asfbr-230	248	14	2005	2005	NUM
asfbr-230	248	15	,	,	PUNCT
asfbr-230	248	16	11	11	NUM
asfbr-230	248	17	.	.	PUNCT
asfbr-230	249	1	available	available	ADJ
asfbr-230	249	2	from	from	ADP
asfbr-230	249	3	http	http	PROPN
asfbr-230	249	4	/	/	SYM
asfbr-230	249	5	www	www	NOUN
asfbr-230	249	6	/	/	SYM
asfbr-230	249	7	nbs.sk	nbs.sk	PROPN
asfbr-230	249	8	/	/	SYM
asfbr-230	249	9	biatec/.	biatec/.	PROPN
asfbr-230	249	10	bourke	bourke	PROPN
asfbr-230	249	11	,	,	PUNCT
asfbr-230	249	12	p.	p.	NOUN
asfbr-230	249	13	,	,	PUNCT
asfbr-230	249	14	1989.concentration	1989.concentration	NUM
asfbr-230	249	15	and	and	CCONJ
asfbr-230	249	16	other	other	ADJ
asfbr-230	249	17	determinants	determinant	NOUN
asfbr-230	249	18	of	of	ADP
asfbr-230	249	19	bank	bank	NOUN
asfbr-230	249	20	profitability	profitability	NOUN
asfbr-230	249	21	in	in	ADP
asfbr-230	249	22	europe	europe	PROPN
asfbr-230	249	23	,	,	PUNCT
asfbr-230	249	24	north	north	PROPN
asfbr-230	249	25	america	america	PROPN
asfbr-230	249	26	and	and	CCONJ
asfbr-230	249	27	australia	australia	PROPN
asfbr-230	249	28	.	.	PUNCT
asfbr-230	250	1	journal	journal	PROPN
asfbr-230	250	2	of	of	ADP
asfbr-230	250	3	banking	banking	NOUN
asfbr-230	250	4	and	and	CCONJ
asfbr-230	250	5	finance	finance	NOUN
asfbr-230	250	6	,	,	PUNCT
asfbr-230	250	7	13(1	13(1	NUM
asfbr-230	250	8	):	):	PUNCT
asfbr-230	250	9	65–79	65–79	ADJ
asfbr-230	250	10	.	.	PUNCT
asfbr-230	251	1	brownbrigde	brownbrigde	NOUN
asfbr-230	251	2	,	,	PUNCT
asfbr-230	251	3	m	m	PROPN
asfbr-230	251	4	,	,	PUNCT
asfbr-230	251	5	1998	1998	NUM
asfbr-230	251	6	.	.	PUNCT
asfbr-230	252	1	the	the	DET
asfbr-230	252	2	causes	cause	NOUN
asfbr-230	252	3	of	of	ADP
asfbr-230	252	4	financial	financial	ADJ
asfbr-230	252	5	distress	distress	NOUN
asfbr-230	252	6	in	in	ADP
asfbr-230	252	7	local	local	ADJ
asfbr-230	252	8	banks	bank	NOUN
asfbr-230	252	9	in	in	ADP
asfbr-230	252	10	africa	africa	PROPN
asfbr-230	252	11	and	and	CCONJ
asfbr-230	252	12	implications	implication	NOUN
asfbr-230	252	13	for	for	ADP
asfbr-230	252	14	prudential	prudential	ADJ
asfbr-230	252	15	policy	policy	NOUN
asfbr-230	252	16	,	,	PUNCT
asfbr-230	252	17	unctad	unctad	PROPN
asfbr-230	252	18	osg	osg	PROPN
asfbr-230	252	19	/	/	SYM
asfbr-230	252	20	dp/132	dp/132	NOUN
asfbr-230	252	21	.	.	PUNCT
asfbr-230	253	1	boudriga	boudriga	PROPN
asfbr-230	253	2	,	,	PUNCT
asfbr-230	253	3	taktak	taktak	PROPN
asfbr-230	253	4	&	&	CCONJ
asfbr-230	253	5	jellouli	jellouli	PROPN
asfbr-230	253	6	(	(	PUNCT
asfbr-230	253	7	2009	2009	NUM
asfbr-230	253	8	)	)	PUNCT
asfbr-230	253	9	,	,	PUNCT
asfbr-230	253	10	determinants	determinant	NOUN
asfbr-230	253	11	of	of	ADP
asfbr-230	253	12	non	non	ADJ
asfbr-230	253	13	-	-	ADJ
asfbr-230	253	14	performing	performing	ADJ
asfbr-230	253	15	loans	loan	NOUN
asfbr-230	253	16	in	in	ADP
asfbr-230	253	17	licensed	licensed	ADJ
asfbr-230	253	18	commercial	commercial	ADJ
asfbr-230	253	19	banks	bank	NOUN
asfbr-230	253	20	evidence	evidence	NOUN
asfbr-230	253	21	from	from	ADP
asfbr-230	253	22	srilanka	srilanka	PROPN
asfbr-230	253	23	.	.	PUNCT
asfbr-230	254	1	b.	b.	PROPN
asfbr-230	254	2	ravi	ravi	PROPN
asfbr-230	254	3	kumar	kumar	PROPN
asfbr-230	254	4	et.al	et.al	PROPN
asfbr-230	254	5	.	.	PUNCT
asfbr-230	255	1	“	"	PUNCT
asfbr-230	255	2	non	non	ADJ
asfbr-230	255	3	performing	perform	VERB
asfbr-230	255	4	assets	asset	NOUN
asfbr-230	255	5	in	in	ADP
asfbr-230	255	6	public	public	ADJ
asfbr-230	255	7	sector	sector	NOUN
asfbr-230	255	8	banks	bank	NOUN
asfbr-230	255	9	:	:	PUNCT
asfbr-230	255	10	a	a	DET
asfbr-230	255	11	cause	cause	NOUN
asfbr-230	255	12	analysis	analysis	NOUN
asfbr-230	255	13	,	,	PUNCT
asfbr-230	255	14	”	"	PUNCT
asfbr-230	255	15	american	american	PROPN
asfbr-230	255	16	finance	finance	PROPN
asfbr-230	255	17	&	&	CCONJ
asfbr-230	255	18	banking	banking	PROPN
asfbr-230	255	19	review	review	PROPN
asfbr-230	255	20	,	,	PUNCT
asfbr-230	255	21	pissn	pissn	PROPN
asfbr-230	255	22	:	:	PUNCT
asfbr-230	255	23	2576	2576	NUM
asfbr-230	255	24	–	–	PUNCT
asfbr-230	255	25	1226	1226	NUM
asfbr-230	255	26	,	,	PUNCT
asfbr-230	255	27	eissn	eissn	NOUN
asfbr-230	255	28	:	:	PUNCT
asfbr-230	255	29	2576	2576	NUM
asfbr-230	255	30	–	–	PUNCT
asfbr-230	255	31	1234	1234	NUM
asfbr-230	255	32	,	,	PUNCT
asfbr-230	255	33	pp	pp	ADJ
asfbr-230	255	34	.	.	PUNCT
asfbr-230	256	1	14	14	NUM
asfbr-230	256	2	–	–	SYM
asfbr-230	256	3	19	19	NUM
asfbr-230	256	4	,	,	PUNCT
asfbr-230	256	5	vol	vol	NOUN
asfbr-230	256	6	.	.	NOUN
asfbr-230	256	7	2	2	NUM
asfbr-230	256	8	,	,	PUNCT
asfbr-230	256	9	no	no	INTJ
asfbr-230	256	10	.	.	NOUN
asfbr-230	256	11	2	2	NUM
asfbr-230	256	12	,	,	PUNCT
asfbr-230	256	13	september	september	PROPN
asfbr-230	256	14	–	–	PUNCT
asfbr-230	256	15	2018	2018	NUM
asfbr-230	256	16	,	,	PUNCT
asfbr-230	256	17	published	publish	VERB
asfbr-230	256	18	by	by	ADP
asfbr-230	256	19	centre	centre	NOUN
asfbr-230	256	20	for	for	ADP
asfbr-230	256	21	research	research	NOUN
asfbr-230	256	22	on	on	ADP
asfbr-230	256	23	islamic	islamic	ADJ
asfbr-230	256	24	banking	banking	PROPN
asfbr-230	256	25	&	&	CCONJ
asfbr-230	256	26	finance	finance	PROPN
asfbr-230	256	27	and	and	CCONJ
asfbr-230	256	28	business	business	NOUN
asfbr-230	256	29	–	–	PUNCT
asfbr-230	256	30	usa	usa	PROPN
asfbr-230	256	31	.	.	PROPN
asfbr-230	256	32	choudhry	choudhry	PROPN
asfbr-230	256	33	,	,	PUNCT
asfbr-230	256	34	2011	2011	NUM
asfbr-230	256	35	,	,	PUNCT
asfbr-230	256	36	relation	relation	NOUN
asfbr-230	256	37	between	between	ADP
asfbr-230	256	38	collateralizing	collateralize	VERB
asfbr-230	256	39	loans	loan	NOUN
asfbr-230	256	40	&	&	CCONJ
asfbr-230	256	41	occurance	occurance	NOUN
asfbr-230	256	42	on	on	ADP
asfbr-230	256	43	non	non	ADJ
asfbr-230	256	44	-	-	ADJ
asfbr-230	256	45	performing	perform	VERB
asfbr-230	256	46	loans	loan	NOUN
asfbr-230	256	47	.	.	PUNCT
asfbr-230	257	1	de	de	X
asfbr-230	257	2	young	young	PROPN
asfbr-230	257	3	,	,	PUNCT
asfbr-230	257	4	r.	r.	PROPN
asfbr-230	257	5	and	and	CCONJ
asfbr-230	257	6	g.	g.	PROPN
asfbr-230	257	7	whalen	whalen	PROPN
asfbr-230	257	8	,	,	PUNCT
asfbr-230	257	9	1994	1994	NUM
asfbr-230	257	10	.	.	PUNCT
asfbr-230	257	11	banking	banking	NOUN
asfbr-230	257	12	industry	industry	NOUN
asfbr-230	257	13	consolidation	consolidation	NOUN
asfbr-230	257	14	:	:	PUNCT
asfbr-230	257	15	efficiency	efficiency	NOUN
asfbr-230	257	16	issues	issue	NOUN
asfbr-230	257	17	,	,	PUNCT
asfbr-230	257	18	working	working	NOUN
asfbr-230	257	19	paper	paper	NOUN
asfbr-230	257	20	no	no	INTJ
asfbr-230	257	21	.	.	PROPN
asfbr-230	258	1	110	110	NUM
asfbr-230	258	2	.	.	PUNCT
asfbr-230	259	1	a	a	DET
asfbr-230	259	2	conference	conference	NOUN
asfbr-230	259	3	of	of	ADP
asfbr-230	259	4	the	the	DET
asfbr-230	259	5	jerome	jerome	PROPN
asfbr-230	259	6	levy	levy	PROPN
asfbr-230	259	7	economics	economics	PROPN
asfbr-230	259	8	institute	institute	PROPN
asfbr-230	259	9	,	,	PUNCT
asfbr-230	259	10	office	office	NOUN
asfbr-230	259	11	of	of	ADP
asfbr-230	259	12	the	the	DET
asfbr-230	259	13	comptroller	comptroller	NOUN
asfbr-230	259	14	of	of	ADP
asfbr-230	259	15	the	the	DET
asfbr-230	259	16	currency	currency	NOUN
asfbr-230	259	17	,	,	PUNCT
asfbr-230	259	18	washington	washington	PROPN
asfbr-230	259	19	,	,	PUNCT
asfbr-230	259	20	dc	dc	PROPN
asfbr-230	259	21	.	.	PUNCT
asfbr-230	260	1	eastern	eastern	ADJ
asfbr-230	260	2	caribbean	caribbean	PROPN
asfbr-230	260	3	central	central	PROPN
asfbr-230	260	4	bank	bank	NOUN
asfbr-230	260	5	,	,	PUNCT
asfbr-230	260	6	2009	2009	NUM
asfbr-230	260	7	factors	factor	NOUN
asfbr-230	260	8	affecting	affect	VERB
asfbr-230	260	9	non	non	ADJ
asfbr-230	260	10	-	-	ADJ
asfbr-230	260	11	performing	performing	ADJ
asfbr-230	260	12	loans	loan	NOUN
asfbr-230	260	13	in	in	ADP
asfbr-230	260	14	ethiopian	ethiopian	ADJ
asfbr-230	260	15	banks	bank	NOUN
asfbr-230	260	16	.	.	PUNCT
asfbr-230	261	1	felix	felix	PROPN
asfbr-230	261	2	,	,	PUNCT
asfbr-230	261	3	a.t	a.t	PROPN
asfbr-230	261	4	.	.	PROPN
asfbr-230	261	5	and	and	CCONJ
asfbr-230	261	6	t.n	t.n	PROPN
asfbr-230	261	7	.	.	PROPN
asfbr-230	261	8	claudine	claudine	PROPN
asfbr-230	261	9	,	,	PUNCT
asfbr-230	261	10	2008	2008	NUM
asfbr-230	261	11	.	.	PUNCT
asfbr-230	262	1	bank	bank	NOUN
asfbr-230	262	2	performance	performance	NOUN
asfbr-230	262	3	and	and	CCONJ
asfbr-230	262	4	credit	credit	NOUN
asfbr-230	262	5	risk	risk	NOUN
asfbr-230	262	6	management	management	NOUN
asfbr-230	262	7	,	,	PUNCT
asfbr-230	262	8	available	available	ADJ
asfbr-230	262	9	from	from	ADP
asfbr-230	262	10	http//www.essays.se	http//www.essays.se	PROPN
asfbr-230	262	11	/	/	SYM
asfbr-230	262	12	essay/55d5c0bd4/.	essay/55d5c0bd4/.	PROPN
asfbr-230	262	13	gestel	gestel	PROPN
asfbr-230	262	14	&	&	CCONJ
asfbr-230	262	15	baesens	baesen	NOUN
asfbr-230	262	16	,	,	PUNCT
asfbr-230	262	17	2008	2008	NUM
asfbr-230	262	18	factors	factor	NOUN
asfbr-230	262	19	affecting	affect	VERB
asfbr-230	262	20	non	non	ADJ
asfbr-230	262	21	-	-	ADJ
asfbr-230	262	22	performing	performing	ADJ
asfbr-230	262	23	loans	loan	NOUN
asfbr-230	262	24	in	in	ADP
asfbr-230	262	25	taiwan	taiwan	PROPN
asfbr-230	262	26	heffernan	heffernan	PROPN
asfbr-230	262	27	,	,	PUNCT
asfbr-230	262	28	s.	s.	PROPN
asfbr-230	262	29	,	,	PUNCT
asfbr-230	262	30	1996.modern	1996.modern	ADJ
asfbr-230	262	31	banking	banking	NOUN
asfbr-230	262	32	in	in	ADP
asfbr-230	262	33	theory	theory	NOUN
asfbr-230	262	34	and	and	CCONJ
asfbr-230	262	35	practice.chichester	practice.chichester	NOUN
asfbr-230	262	36	:	:	PUNCT
asfbr-230	262	37	john	john	PROPN
asfbr-230	262	38	wiley	wiley	PROPN
asfbr-230	262	39	and	and	CCONJ
asfbr-230	262	40	sons	son	NOUN
asfbr-230	262	41	.	.	PUNCT
asfbr-230	263	1	international	international	ADJ
asfbr-230	263	2	journal	journal	PROPN
asfbr-230	263	3	of	of	ADP
asfbr-230	263	4	management	management	PROPN
asfbr-230	263	5	&	&	CCONJ
asfbr-230	263	6	sustainability,2014,3(5	sustainability,2014,3(5	NOUN
asfbr-230	263	7	):	):	PUNCT
asfbr-230	263	8	295	295	NUM
asfbr-230	263	9	-	-	SYM
asfbr-230	263	10	306	306	NUM
asfbr-230	263	11	ismaila	ismaila	NOUN
asfbr-230	263	12	,	,	PUNCT
asfbr-230	263	13	2011	2011	NUM
asfbr-230	263	14	determinants	determinant	NOUN
asfbr-230	263	15	of	of	ADP
asfbr-230	263	16	non	non	ADJ
asfbr-230	263	17	-	-	ADJ
asfbr-230	263	18	performing	performing	ADJ
asfbr-230	263	19	loans	loan	NOUN
asfbr-230	263	20	kauko	kauko	PROPN
asfbr-230	263	21	,	,	PUNCT
asfbr-230	263	22	2012	2012	NUM
asfbr-230	263	23	,	,	PUNCT
asfbr-230	263	24	p.196	p.196	ADJ
asfbr-230	263	25	external	external	ADJ
asfbr-230	263	26	deficits	deficit	NOUN
asfbr-230	263	27	&	&	CCONJ
asfbr-230	263	28	non	non	ADJ
asfbr-230	263	29	-	-	ADJ
asfbr-230	263	30	performing	performing	ADJ
asfbr-230	263	31	loans	loan	NOUN
asfbr-230	263	32	in	in	ADP
asfbr-230	263	33	the	the	DET
asfbr-230	263	34	recent	recent	ADJ
asfbr-230	263	35	financial	financial	ADJ
asfbr-230	263	36	crisis	crisis	NOUN
asfbr-230	263	37	copyrights	copyright	VERB
asfbr-230	263	38	copyright	copyright	NOUN
asfbr-230	263	39	for	for	ADP
asfbr-230	263	40	this	this	DET
asfbr-230	263	41	article	article	NOUN
asfbr-230	263	42	is	be	AUX
asfbr-230	263	43	retained	retain	VERB
asfbr-230	263	44	by	by	ADP
asfbr-230	263	45	the	the	DET
asfbr-230	263	46	author(s	author(s	PROPN
asfbr-230	263	47	)	)	PUNCT
asfbr-230	263	48	,	,	PUNCT
asfbr-230	263	49	with	with	ADP
asfbr-230	263	50	first	first	ADJ
asfbr-230	263	51	publication	publication	NOUN
asfbr-230	263	52	rights	right	NOUN
asfbr-230	263	53	granted	grant	VERB
asfbr-230	263	54	to	to	ADP
asfbr-230	263	55	the	the	DET
asfbr-230	263	56	journal	journal	NOUN
asfbr-230	263	57	.	.	PUNCT
asfbr-230	264	1	this	this	PRON
asfbr-230	264	2	is	be	AUX
asfbr-230	264	3	an	an	DET
asfbr-230	264	4	open	open	ADJ
asfbr-230	264	5	-	-	PUNCT
asfbr-230	264	6	access	access	NOUN
asfbr-230	264	7	article	article	NOUN
asfbr-230	264	8	distributed	distribute	VERB
asfbr-230	264	9	under	under	ADP
asfbr-230	264	10	the	the	DET
asfbr-230	264	11	terms	term	NOUN
asfbr-230	264	12	and	and	CCONJ
asfbr-230	264	13	conditions	condition	NOUN
asfbr-230	264	14	of	of	ADP
asfbr-230	264	15	the	the	DET
asfbr-230	264	16	creative	creative	ADJ
asfbr-230	264	17	commons	common	NOUN
asfbr-230	264	18	attribution	attribution	NOUN
asfbr-230	264	19	license	license	NOUN
asfbr-230	264	20	(	(	PUNCT
asfbr-230	264	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-230	264	22	)	)	PUNCT
asfbr-230	264	23	.	.	PUNCT
asfbr-230	265	1	www.bis.org	www.bis.org	PROPN
asfbr-230	265	2	www.bis.org	www.bis.org	PROPN
