id	sid	tid	token	lemma	pos
asfbr-556	1	1	copyright	copyright	NOUN
asfbr-556	1	2	©	©	PROPN
asfbr-556	1	3	cc	cc	PROPN
asfbr-556	1	4	-	-	PUNCT
asfbr-556	1	5	by	by	ADP
asfbr-556	1	6	-	-	PUNCT
asfbr-556	1	7	nc	nc	PROPN
asfbr-556	1	8	2020	2020	NUM
asfbr-556	1	9	,	,	PUNCT
asfbr-556	1	10	cribfb	cribfb	VERB
asfbr-556	1	11	|	|	ADV
asfbr-556	1	12	asfbr	asfbr	VERB
asfbr-556	1	13	asian	asian	ADJ
asfbr-556	1	14	finance	finance	PROPN
asfbr-556	1	15	&	&	CCONJ
asfbr-556	1	16	banking	banking	PROPN
asfbr-556	1	17	review	review	PROPN
asfbr-556	1	18	;	;	PUNCT
asfbr-556	1	19	vol	vol	NOUN
asfbr-556	1	20	.	.	NOUN
asfbr-556	2	1	4	4	NUM
asfbr-556	2	2	,	,	PUNCT
asfbr-556	2	3	no	no	INTJ
asfbr-556	2	4	.	.	NOUN
asfbr-556	2	5	1	1	NUM
asfbr-556	2	6	;	;	PUNCT
asfbr-556	2	7	2020	2020	NUM
asfbr-556	2	8	issn	issn	VERB
asfbr-556	2	9	2576	2576	NUM
asfbr-556	2	10	-	-	SYM
asfbr-556	2	11	1161	1161	NUM
asfbr-556	2	12	e	e	NOUN
asfbr-556	2	13	-	-	NOUN
asfbr-556	2	14	issn	issn	PROPN
asfbr-556	2	15	2576	2576	NUM
asfbr-556	2	16	-	-	SYM
asfbr-556	2	17	1188	1188	NUM
asfbr-556	2	18	published	publish	VERB
asfbr-556	2	19	by	by	ADP
asfbr-556	2	20	centre	centre	NOUN
asfbr-556	2	21	for	for	ADP
asfbr-556	2	22	research	research	NOUN
asfbr-556	2	23	on	on	ADP
asfbr-556	2	24	islamic	islamic	ADJ
asfbr-556	2	25	banking	banking	PROPN
asfbr-556	2	26	&	&	CCONJ
asfbr-556	2	27	finance	finance	PROPN
asfbr-556	2	28	and	and	CCONJ
asfbr-556	2	29	business	business	NOUN
asfbr-556	2	30	,	,	PUNCT
asfbr-556	2	31	usa	usa	PROPN
asfbr-556	2	32	17	17	NUM
asfbr-556	2	33	implications	implication	NOUN
asfbr-556	2	34	of	of	ADP
asfbr-556	2	35	non	non	ADJ
asfbr-556	2	36	-	-	ADJ
asfbr-556	2	37	performing	performing	ADJ
asfbr-556	2	38	loans	loan	NOUN
asfbr-556	2	39	on	on	ADP
asfbr-556	2	40	the	the	DET
asfbr-556	2	41	nigerian	nigerian	ADJ
asfbr-556	2	42	deposit	deposit	NOUN
asfbr-556	2	43	money	money	NOUN
asfbr-556	2	44	banks	bank	NOUN
asfbr-556	2	45	saliu	saliu	PROPN
asfbr-556	2	46	hakeem	hakeem	PROPN
asfbr-556	2	47	tomi	tomi	PROPN
asfbr-556	2	48	m.sc	m.sc	PROPN
asfbr-556	2	49	department	department	PROPN
asfbr-556	2	50	of	of	ADP
asfbr-556	2	51	banking	banking	NOUN
asfbr-556	2	52	and	and	CCONJ
asfbr-556	2	53	finance	finance	NOUN
asfbr-556	2	54	faculty	faculty	NOUN
asfbr-556	2	55	of	of	ADP
asfbr-556	2	56	management	management	NOUN
asfbr-556	2	57	sciences	sciences	PROPN
asfbr-556	2	58	kogi	kogi	PROPN
asfbr-556	2	59	state	state	PROPN
asfbr-556	2	60	university	university	PROPN
asfbr-556	2	61	p.m.b	p.m.b	NOUN
asfbr-556	2	62	1008	1008	NUM
asfbr-556	2	63	,	,	PUNCT
asfbr-556	2	64	anyigba	anyigba	NOUN
asfbr-556	2	65	,	,	PUNCT
asfbr-556	2	66	kogi	kogi	PROPN
asfbr-556	2	67	state	state	PROPN
asfbr-556	2	68	,	,	PUNCT
asfbr-556	2	69	nigeria	nigeria	PROPN
asfbr-556	2	70	e-mail:tomisaliu@gmail.com	e-mail:tomisaliu@gmail.com	PROPN
asfbr-556	2	71	idih	idih	VERB
asfbr-556	2	72	ogwu	ogwu	PROPN
asfbr-556	2	73	emmanual	emmanual	ADJ
asfbr-556	2	74	phd	phd	PROPN
asfbr-556	2	75	department	department	PROPN
asfbr-556	2	76	of	of	ADP
asfbr-556	2	77	banking	banking	NOUN
asfbr-556	2	78	and	and	CCONJ
asfbr-556	2	79	finance	finance	NOUN
asfbr-556	2	80	faculty	faculty	NOUN
asfbr-556	2	81	of	of	ADP
asfbr-556	2	82	management	management	NOUN
asfbr-556	2	83	sciences	sciences	PROPN
asfbr-556	2	84	kogi	kogi	PROPN
asfbr-556	2	85	state	state	PROPN
asfbr-556	2	86	university	university	PROPN
asfbr-556	3	1	p.m.b	p.m.b	NOUN
asfbr-556	3	2	1008	1008	NUM
asfbr-556	3	3	,	,	PUNCT
asfbr-556	3	4	anyigba	anyigba	NOUN
asfbr-556	3	5	,	,	PUNCT
asfbr-556	3	6	kogi	kogi	PROPN
asfbr-556	3	7	state	state	PROPN
asfbr-556	3	8	,	,	PUNCT
asfbr-556	3	9	nigeria	nigeria	PROPN
asfbr-556	3	10	e	e	NOUN
asfbr-556	3	11	-	-	NOUN
asfbr-556	3	12	mail	mail	NOUN
asfbr-556	3	13	:	:	PUNCT
asfbr-556	3	14	emmite1010@gmail.com	emmite1010@gmail.com	X
asfbr-556	4	1	adewole	adewole	PROPN
asfbr-556	4	2	joseph	joseph	PROPN
asfbr-556	4	3	adeyinka	adeyinka	PROPN
asfbr-556	4	4	phd	phd	PROPN
asfbr-556	4	5	department	department	PROPN
asfbr-556	4	6	of	of	ADP
asfbr-556	4	7	banking	banking	NOUN
asfbr-556	4	8	and	and	CCONJ
asfbr-556	4	9	finance	finance	NOUN
asfbr-556	4	10	faculty	faculty	NOUN
asfbr-556	4	11	of	of	ADP
asfbr-556	4	12	social	social	ADJ
asfbr-556	4	13	and	and	CCONJ
asfbr-556	4	14	management	management	NOUN
asfbr-556	4	15	sciences	science	NOUN
asfbr-556	4	16	adekunle	adekunle	PROPN
asfbr-556	4	17	ajasin	ajasin	VERB
asfbr-556	4	18	university	university	NOUN
asfbr-556	4	19	p.m.b	p.m.b	NOUN
asfbr-556	4	20	001	001	NUM
asfbr-556	4	21	,	,	PUNCT
asfbr-556	4	22	akungba	akungba	NOUN
asfbr-556	4	23	akoko	akoko	NOUN
asfbr-556	4	24	,	,	PUNCT
asfbr-556	4	25	ondo	ondo	NOUN
asfbr-556	4	26	state	state	PROPN
asfbr-556	4	27	,	,	PUNCT
asfbr-556	4	28	nigeria	nigeria	PROPN
asfbr-556	4	29	e	e	NOUN
asfbr-556	4	30	-	-	NOUN
asfbr-556	4	31	mail	mail	NOUN
asfbr-556	4	32	:	:	PUNCT
asfbr-556	5	1	princeadeyinkaadewolej@gmail.com	princeadeyinkaadewolej@gmail.com	X
asfbr-556	5	2	abstract	abstract	ADJ
asfbr-556	5	3	the	the	DET
asfbr-556	5	4	study	study	NOUN
asfbr-556	5	5	examined	examine	VERB
asfbr-556	5	6	the	the	DET
asfbr-556	5	7	arguments	argument	NOUN
asfbr-556	5	8	and	and	CCONJ
asfbr-556	5	9	counterarguments	counterargument	NOUN
asfbr-556	5	10	within	within	ADP
asfbr-556	5	11	the	the	DET
asfbr-556	5	12	scientific	scientific	ADJ
asfbr-556	5	13	discussion	discussion	NOUN
asfbr-556	5	14	on	on	ADP
asfbr-556	5	15	the	the	DET
asfbr-556	5	16	implications	implication	NOUN
asfbr-556	5	17	of	of	ADP
asfbr-556	5	18	non	non	ADJ
asfbr-556	5	19	-	-	ADJ
asfbr-556	5	20	performing	performing	ADJ
asfbr-556	5	21	loans	loan	NOUN
asfbr-556	5	22	on	on	ADP
asfbr-556	5	23	the	the	DET
asfbr-556	5	24	nigerian	nigerian	ADJ
asfbr-556	5	25	deposit	deposit	NOUN
asfbr-556	5	26	money	money	NOUN
asfbr-556	5	27	banks	bank	NOUN
asfbr-556	5	28	.	.	PUNCT
asfbr-556	6	1	the	the	DET
asfbr-556	6	2	main	main	ADJ
asfbr-556	6	3	objective	objective	NOUN
asfbr-556	6	4	is	be	AUX
asfbr-556	6	5	to	to	PART
asfbr-556	6	6	examine	examine	VERB
asfbr-556	6	7	the	the	DET
asfbr-556	6	8	effect	effect	NOUN
asfbr-556	6	9	of	of	ADP
asfbr-556	6	10	non	non	ADJ
asfbr-556	6	11	-	-	ADJ
asfbr-556	6	12	performing	performing	ADJ
asfbr-556	6	13	loan	loan	NOUN
asfbr-556	6	14	on	on	ADP
asfbr-556	6	15	the	the	DET
asfbr-556	6	16	performance	performance	NOUN
asfbr-556	6	17	of	of	ADP
asfbr-556	6	18	deposit	deposit	NOUN
asfbr-556	6	19	money	money	NOUN
asfbr-556	6	20	banks	bank	NOUN
asfbr-556	6	21	in	in	ADP
asfbr-556	6	22	nigeria	nigeria	PROPN
asfbr-556	6	23	.	.	PUNCT
asfbr-556	7	1	data	datum	NOUN
asfbr-556	7	2	were	be	AUX
asfbr-556	7	3	sourced	source	VERB
asfbr-556	7	4	from	from	ADP
asfbr-556	7	5	central	central	ADJ
asfbr-556	7	6	bank	bank	PROPN
asfbr-556	7	7	of	of	ADP
asfbr-556	7	8	nigeria	nigeria	PROPN
asfbr-556	7	9	statistical	statistical	ADJ
asfbr-556	7	10	bulletin	bulletin	NOUN
asfbr-556	7	11	.	.	PUNCT
asfbr-556	8	1	a	a	DET
asfbr-556	8	2	systematization	systematization	NOUN
asfbr-556	8	3	literary	literary	ADJ
asfbr-556	8	4	approach	approach	NOUN
asfbr-556	8	5	for	for	ADP
asfbr-556	8	6	data	datum	NOUN
asfbr-556	8	7	analysis	analysis	NOUN
asfbr-556	8	8	was	be	AUX
asfbr-556	8	9	auto	auto	NOUN
asfbr-556	8	10	regression	regression	NOUN
asfbr-556	8	11	distribution	distribution	NOUN
asfbr-556	8	12	lag	lag	NOUN
asfbr-556	8	13	(	(	PUNCT
asfbr-556	8	14	ardl	ardl	NOUN
asfbr-556	8	15	)	)	PUNCT
asfbr-556	8	16	bound	bind	VERB
asfbr-556	8	17	tests	test	NOUN
asfbr-556	8	18	.	.	PUNCT
asfbr-556	9	1	findings	finding	NOUN
asfbr-556	9	2	revealed	reveal	VERB
asfbr-556	9	3	that	that	SCONJ
asfbr-556	9	4	there	there	PRON
asfbr-556	9	5	exist	exist	VERB
asfbr-556	9	6	a	a	DET
asfbr-556	9	7	long	long	ADJ
asfbr-556	9	8	run	run	NOUN
asfbr-556	9	9	significant	significant	ADJ
asfbr-556	9	10	relationship	relationship	NOUN
asfbr-556	9	11	between	between	ADP
asfbr-556	9	12	non	non	ADJ
asfbr-556	9	13	performing	perform	VERB
asfbr-556	9	14	loan	loan	NOUN
asfbr-556	9	15	and	and	CCONJ
asfbr-556	9	16	the	the	DET
asfbr-556	9	17	performance	performance	NOUN
asfbr-556	9	18	of	of	ADP
asfbr-556	9	19	deposit	deposit	NOUN
asfbr-556	9	20	money	money	NOUN
asfbr-556	9	21	banks	bank	NOUN
asfbr-556	9	22	in	in	ADP
asfbr-556	9	23	nigeria	nigeria	PROPN
asfbr-556	9	24	.	.	PUNCT
asfbr-556	10	1	it	it	PRON
asfbr-556	10	2	was	be	AUX
asfbr-556	10	3	revealed	reveal	VERB
asfbr-556	10	4	that	that	SCONJ
asfbr-556	10	5	persistence	persistence	NOUN
asfbr-556	10	6	increase	increase	NOUN
asfbr-556	10	7	in	in	ADP
asfbr-556	10	8	non	non	ADJ
asfbr-556	10	9	-	-	ADJ
asfbr-556	10	10	performing	performing	ADJ
asfbr-556	10	11	loans	loan	NOUN
asfbr-556	10	12	results	result	NOUN
asfbr-556	10	13	in	in	ADP
asfbr-556	10	14	poor	poor	ADJ
asfbr-556	10	15	performance	performance	NOUN
asfbr-556	10	16	of	of	ADP
asfbr-556	10	17	deposit	deposit	NOUN
asfbr-556	10	18	money	money	NOUN
asfbr-556	10	19	banks	bank	NOUN
asfbr-556	10	20	in	in	ADP
asfbr-556	10	21	nigeria	nigeria	PROPN
asfbr-556	10	22	.	.	PUNCT
asfbr-556	11	1	it	it	PRON
asfbr-556	11	2	was	be	AUX
asfbr-556	11	3	also	also	ADV
asfbr-556	11	4	discovered	discover	VERB
asfbr-556	11	5	that	that	SCONJ
asfbr-556	11	6	non	non	ADJ
asfbr-556	11	7	performing	perform	VERB
asfbr-556	11	8	loan	loan	NOUN
asfbr-556	11	9	reduces	reduce	VERB
asfbr-556	11	10	deposit	deposit	NOUN
asfbr-556	11	11	money	money	NOUN
asfbr-556	11	12	banks	bank	NOUN
asfbr-556	11	13	return	return	VERB
asfbr-556	11	14	on	on	ADP
asfbr-556	11	15	asset	asset	NOUN
asfbr-556	11	16	.	.	PUNCT
asfbr-556	12	1	the	the	DET
asfbr-556	12	2	study	study	NOUN
asfbr-556	12	3	therefore	therefore	ADV
asfbr-556	12	4	recommends	recommend	VERB
asfbr-556	12	5	that	that	SCONJ
asfbr-556	12	6	deposit	deposit	NOUN
asfbr-556	12	7	money	money	NOUN
asfbr-556	12	8	banks	bank	NOUN
asfbr-556	12	9	should	should	AUX
asfbr-556	12	10	employ	employ	VERB
asfbr-556	12	11	competent	competent	ADJ
asfbr-556	12	12	risk	risk	NOUN
asfbr-556	12	13	managers	manager	NOUN
asfbr-556	12	14	that	that	PRON
asfbr-556	12	15	always	always	ADV
asfbr-556	12	16	use	use	VERB
asfbr-556	12	17	their	their	PRON
asfbr-556	12	18	skills	skill	NOUN
asfbr-556	12	19	to	to	PART
asfbr-556	12	20	reduce	reduce	VERB
asfbr-556	12	21	the	the	DET
asfbr-556	12	22	incident	incident	NOUN
asfbr-556	12	23	of	of	ADP
asfbr-556	12	24	non	non	ADJ
asfbr-556	12	25	-	-	ADJ
asfbr-556	12	26	performing	performing	ADJ
asfbr-556	12	27	loans	loan	NOUN
asfbr-556	12	28	in	in	ADP
asfbr-556	12	29	the	the	DET
asfbr-556	12	30	nigerian	nigerian	ADJ
asfbr-556	12	31	deposit	deposit	NOUN
asfbr-556	12	32	money	money	NOUN
asfbr-556	12	33	banks	bank	NOUN
asfbr-556	12	34	.	.	PUNCT
asfbr-556	13	1	the	the	DET
asfbr-556	13	2	study	study	NOUN
asfbr-556	13	3	also	also	ADV
asfbr-556	13	4	recommends	recommend	VERB
asfbr-556	13	5	that	that	SCONJ
asfbr-556	13	6	deposit	deposit	NOUN
asfbr-556	13	7	money	money	NOUN
asfbr-556	13	8	banks	bank	NOUN
asfbr-556	13	9	in	in	ADP
asfbr-556	13	10	nigeria	nigeria	PROPN
asfbr-556	13	11	should	should	AUX
asfbr-556	13	12	always	always	ADV
asfbr-556	13	13	monitor	monitor	VERB
asfbr-556	13	14	the	the	DET
asfbr-556	13	15	end	end	NOUN
asfbr-556	13	16	-	-	PUNCT
asfbr-556	13	17	use	use	NOUN
asfbr-556	13	18	of	of	ADP
asfbr-556	13	19	funds	fund	NOUN
asfbr-556	13	20	given	give	VERB
asfbr-556	13	21	to	to	ADP
asfbr-556	13	22	their	their	PRON
asfbr-556	13	23	customers	customer	NOUN
asfbr-556	13	24	in	in	ADP
asfbr-556	13	25	order	order	NOUN
asfbr-556	13	26	to	to	PART
asfbr-556	13	27	curb	curb	VERB
asfbr-556	13	28	the	the	DET
asfbr-556	13	29	incident	incident	NOUN
asfbr-556	13	30	of	of	ADP
asfbr-556	13	31	fund	fund	NOUN
asfbr-556	13	32	diversion	diversion	NOUN
asfbr-556	13	33	which	which	PRON
asfbr-556	13	34	may	may	AUX
asfbr-556	13	35	result	result	VERB
asfbr-556	13	36	in	in	ADP
asfbr-556	13	37	non	non	ADJ
asfbr-556	13	38	-	-	ADJ
asfbr-556	13	39	performing	perform	VERB
asfbr-556	13	40	loan	loan	NOUN
asfbr-556	13	41	.	.	PUNCT
asfbr-556	14	1	keywords	keyword	NOUN
asfbr-556	14	2	:	:	PUNCT
asfbr-556	14	3	non	non	ADJ
asfbr-556	14	4	-	-	ADJ
asfbr-556	14	5	performing	perform	VERB
asfbr-556	14	6	loan	loan	NOUN
asfbr-556	14	7	,	,	PUNCT
asfbr-556	14	8	performance	performance	NOUN
asfbr-556	14	9	,	,	PUNCT
asfbr-556	14	10	return	return	VERB
asfbr-556	14	11	on	on	ADP
asfbr-556	14	12	assets	asset	NOUN
asfbr-556	14	13	,	,	PUNCT
asfbr-556	14	14	economic	economic	ADJ
asfbr-556	14	15	growth	growth	NOUN
asfbr-556	14	16	rate	rate	NOUN
asfbr-556	14	17	,	,	PUNCT
asfbr-556	14	18	credit	credit	NOUN
asfbr-556	14	19	risk	risk	NOUN
asfbr-556	14	20	management	management	NOUN
asfbr-556	14	21	.	.	PUNCT
asfbr-556	15	1	1	1	X
asfbr-556	15	2	.	.	X
asfbr-556	15	3	introduction	introduction	NOUN
asfbr-556	15	4	the	the	DET
asfbr-556	15	5	increasing	increase	VERB
asfbr-556	15	6	documentations	documentation	NOUN
asfbr-556	15	7	of	of	ADP
asfbr-556	15	8	non	non	ADJ
asfbr-556	15	9	-	-	NOUN
asfbr-556	15	10	payment	payment	NOUN
asfbr-556	15	11	of	of	ADP
asfbr-556	15	12	either	either	PRON
asfbr-556	15	13	loan	loan	NOUN
asfbr-556	15	14	principals	principal	NOUN
asfbr-556	15	15	or	or	CCONJ
asfbr-556	15	16	loan	loan	NOUN
asfbr-556	15	17	interest	interest	NOUN
asfbr-556	15	18	in	in	ADP
asfbr-556	15	19	at	at	ADV
asfbr-556	15	20	least	least	ADV
asfbr-556	15	21	90	90	NUM
asfbr-556	15	22	days	day	NOUN
asfbr-556	15	23	are	be	AUX
asfbr-556	15	24	alarming	alarming	ADJ
asfbr-556	15	25	and	and	CCONJ
asfbr-556	15	26	most	most	ADV
asfbr-556	15	27	responsible	responsible	ADJ
asfbr-556	15	28	for	for	ADP
asfbr-556	15	29	financial	financial	ADJ
asfbr-556	15	30	sector	sector	NOUN
asfbr-556	15	31	problems	problem	NOUN
asfbr-556	15	32	experienced	experience	VERB
asfbr-556	15	33	in	in	ADP
asfbr-556	15	34	nigeria	nigeria	PROPN
asfbr-556	15	35	(	(	PUNCT
asfbr-556	15	36	adeyemi	adeyemi	ADV
asfbr-556	15	37	,	,	PUNCT
asfbr-556	15	38	2011	2011	NUM
asfbr-556	15	39	;	;	PUNCT
asfbr-556	15	40	benji	benji	NOUN
asfbr-556	15	41	,	,	PUNCT
asfbr-556	15	42	2013	2013	NUM
asfbr-556	15	43	;	;	PUNCT
asfbr-556	15	44	samayo	samayo	PROPN
asfbr-556	15	45	,	,	PUNCT
asfbr-556	15	46	2010	2010	NUM
asfbr-556	15	47	)	)	PUNCT
asfbr-556	15	48	.	.	PUNCT
asfbr-556	16	1	hamisu	hamisu	PROPN
asfbr-556	16	2	(	(	PUNCT
asfbr-556	16	3	2011	2011	NUM
asfbr-556	16	4	)	)	PUNCT
asfbr-556	16	5	posited	posit	VERB
asfbr-556	16	6	that	that	SCONJ
asfbr-556	16	7	the	the	DET
asfbr-556	16	8	banks	bank	NOUN
asfbr-556	16	9	and	and	CCONJ
asfbr-556	16	10	other	other	ADJ
asfbr-556	16	11	economic	economic	ADJ
asfbr-556	16	12	industries	industry	NOUN
asfbr-556	16	13	drive	drive	VERB
asfbr-556	16	14	and	and	CCONJ
asfbr-556	16	15	played	play	VERB
asfbr-556	16	16	key	key	ADJ
asfbr-556	16	17	part	part	NOUN
asfbr-556	16	18	in	in	ADP
asfbr-556	16	19	the	the	DET
asfbr-556	16	20	socio	socio	NOUN
asfbr-556	16	21	-	-	PUNCT
asfbr-556	16	22	economic	economic	ADJ
asfbr-556	16	23	growth	growth	NOUN
asfbr-556	16	24	in	in	ADP
asfbr-556	16	25	the	the	DET
asfbr-556	16	26	nigeria	nigeria	PROPN
asfbr-556	16	27	economy	economy	NOUN
asfbr-556	16	28	where	where	SCONJ
asfbr-556	16	29	they	they	PRON
asfbr-556	16	30	provide	provide	VERB
asfbr-556	16	31	multiple	multiple	ADJ
asfbr-556	16	32	economic	economic	ADJ
asfbr-556	16	33	supports	support	NOUN
asfbr-556	16	34	that	that	PRON
asfbr-556	16	35	contribute	contribute	VERB
asfbr-556	16	36	positively	positively	ADV
asfbr-556	16	37	to	to	ADP
asfbr-556	16	38	the	the	DET
asfbr-556	16	39	survival	survival	NOUN
asfbr-556	16	40	of	of	ADP
asfbr-556	16	41	the	the	DET
asfbr-556	16	42	nigerian	nigerian	ADJ
asfbr-556	16	43	economy	economy	NOUN
asfbr-556	16	44	.	.	PUNCT
asfbr-556	17	1	however	however	ADV
asfbr-556	17	2	,	,	PUNCT
asfbr-556	17	3	many	many	ADJ
asfbr-556	17	4	banks	bank	NOUN
asfbr-556	17	5	in	in	ADP
asfbr-556	17	6	nigeria	nigeria	PROPN
asfbr-556	17	7	today	today	NOUN
asfbr-556	17	8	are	be	AUX
asfbr-556	17	9	making	make	VERB
asfbr-556	17	10	huge	huge	ADJ
asfbr-556	17	11	losses	loss	NOUN
asfbr-556	17	12	due	due	ADP
asfbr-556	17	13	to	to	ADP
asfbr-556	17	14	the	the	DET
asfbr-556	17	15	problem	problem	NOUN
asfbr-556	17	16	of	of	ADP
asfbr-556	17	17	non	non	ADJ
asfbr-556	17	18	-	-	ADJ
asfbr-556	17	19	performing	perform	VERB
asfbr-556	17	20	loans	loan	NOUN
asfbr-556	17	21	.	.	PUNCT
asfbr-556	18	1	clearly	clearly	ADV
asfbr-556	18	2	,	,	PUNCT
asfbr-556	18	3	this	this	PRON
asfbr-556	18	4	is	be	AUX
asfbr-556	18	5	a	a	DET
asfbr-556	18	6	negative	negative	ADJ
asfbr-556	18	7	impact	impact	NOUN
asfbr-556	18	8	against	against	ADP
asfbr-556	18	9	the	the	DET
asfbr-556	18	10	banks	bank	NOUN
asfbr-556	18	11	'	'	PART
asfbr-556	18	12	intermediate	intermediate	ADJ
asfbr-556	18	13	role	role	NOUN
asfbr-556	18	14	in	in	ADP
asfbr-556	18	15	economic	economic	ADJ
asfbr-556	18	16	growth	growth	NOUN
asfbr-556	18	17	.	.	PUNCT
asfbr-556	19	1	the	the	DET
asfbr-556	19	2	rate	rate	NOUN
asfbr-556	19	3	at	at	ADP
asfbr-556	19	4	which	which	PRON
asfbr-556	19	5	these	these	DET
asfbr-556	19	6	organizations	organization	NOUN
asfbr-556	19	7	lend	lend	VERB
asfbr-556	19	8	credit	credit	NOUN
asfbr-556	19	9	to	to	ADP
asfbr-556	19	10	companies	company	NOUN
asfbr-556	19	11	and	and	CCONJ
asfbr-556	19	12	certain	certain	ADJ
asfbr-556	19	13	individuals	individual	NOUN
asfbr-556	19	14	increases	increase	VERB
asfbr-556	19	15	the	the	DET
asfbr-556	19	16	nation	nation	NOUN
asfbr-556	19	17	's	's	PART
asfbr-556	19	18	economic	economic	ADJ
asfbr-556	19	19	growth	growth	NOUN
asfbr-556	19	20	rate	rate	NOUN
asfbr-556	19	21	(	(	PUNCT
asfbr-556	19	22	kolapo	kolapo	PROPN
asfbr-556	19	23	,	,	PUNCT
asfbr-556	19	24	ayeni	ayeni	PROPN
asfbr-556	19	25	,	,	PUNCT
asfbr-556	19	26	oke	oke	NOUN
asfbr-556	19	27	,	,	PUNCT
asfbr-556	19	28	2012	2012	NUM
asfbr-556	19	29	)	)	PUNCT
asfbr-556	19	30	.	.	PUNCT
asfbr-556	20	1	nigeria	nigeria	PROPN
asfbr-556	20	2	banking	banking	NOUN
asfbr-556	20	3	system	system	NOUN
asfbr-556	20	4	is	be	AUX
asfbr-556	20	5	regulated	regulate	VERB
asfbr-556	20	6	and	and	CCONJ
asfbr-556	20	7	monitored	monitor	VERB
asfbr-556	20	8	by	by	ADP
asfbr-556	20	9	the	the	DET
asfbr-556	20	10	bank	bank	PROPN
asfbr-556	20	11	of	of	ADP
asfbr-556	20	12	nigeria	nigeria	PROPN
asfbr-556	20	13	with	with	ADP
asfbr-556	20	14	the	the	DET
asfbr-556	20	15	banking	banking	NOUN
asfbr-556	20	16	act	act	NOUN
asfbr-556	20	17	made	make	VERB
asfbr-556	20	18	by	by	ADP
asfbr-556	20	19	the	the	DET
asfbr-556	20	20	parliament	parliament	NOUN
asfbr-556	20	21	of	of	ADP
asfbr-556	20	22	nigeria	nigeria	PROPN
asfbr-556	20	23	.	.	PUNCT
asfbr-556	21	1	the	the	DET
asfbr-556	21	2	acts	act	NOUN
asfbr-556	21	3	has	have	VERB
asfbr-556	21	4	regulations	regulation	NOUN
asfbr-556	21	5	which	which	PRON
asfbr-556	21	6	guide	guide	VERB
asfbr-556	21	7	the	the	DET
asfbr-556	21	8	activities	activity	NOUN
asfbr-556	21	9	of	of	ADP
asfbr-556	21	10	all	all	DET
asfbr-556	21	11	banks	bank	NOUN
asfbr-556	21	12	and	and	CCONJ
asfbr-556	21	13	some	some	DET
asfbr-556	21	14	other	other	ADJ
asfbr-556	21	15	financial	financial	ADJ
asfbr-556	21	16	institutions	institution	NOUN
asfbr-556	21	17	in	in	ADP
asfbr-556	21	18	the	the	DET
asfbr-556	21	19	country	country	NOUN
asfbr-556	21	20	.	.	PUNCT
asfbr-556	22	1	the	the	DET
asfbr-556	22	2	main	main	ADJ
asfbr-556	22	3	objective	objective	NOUN
asfbr-556	22	4	is	be	AUX
asfbr-556	22	5	to	to	PART
asfbr-556	22	6	examine	examine	VERB
asfbr-556	22	7	the	the	DET
asfbr-556	22	8	effect	effect	NOUN
asfbr-556	22	9	of	of	ADP
asfbr-556	22	10	non	non	ADJ
asfbr-556	22	11	-	-	ADJ
asfbr-556	22	12	performing	performing	ADJ
asfbr-556	22	13	loan	loan	NOUN
asfbr-556	22	14	on	on	ADP
asfbr-556	22	15	the	the	DET
asfbr-556	22	16	performance	performance	NOUN
asfbr-556	22	17	of	of	ADP
asfbr-556	22	18	deposit	deposit	NOUN
asfbr-556	22	19	money	money	NOUN
asfbr-556	22	20	bank	bank	PROPN
asfbr-556	22	21	in	in	ADP
asfbr-556	22	22	nigeria	nigeria	PROPN
asfbr-556	22	23	.	.	PUNCT
asfbr-556	23	1	the	the	DET
asfbr-556	23	2	specific	specific	ADJ
asfbr-556	23	3	objectives	objective	NOUN
asfbr-556	23	4	are	be	AUX
asfbr-556	23	5	to	to	PART
asfbr-556	23	6	ascertain	ascertain	VERB
asfbr-556	23	7	the	the	DET
asfbr-556	23	8	existence	existence	NOUN
asfbr-556	23	9	of	of	ADP
asfbr-556	23	10	long	long	ADJ
asfbr-556	23	11	run	run	NOUN
asfbr-556	23	12	relationship	relationship	NOUN
asfbr-556	23	13	between	between	ADP
asfbr-556	23	14	the	the	DET
asfbr-556	23	15	non	non	ADJ
asfbr-556	23	16	-	-	ADJ
asfbr-556	23	17	performing	perform	VERB
asfbr-556	23	18	loan	loan	NOUN
asfbr-556	23	19	and	and	CCONJ
asfbr-556	23	20	deposit	deposit	NOUN
asfbr-556	23	21	money	money	NOUN
asfbr-556	23	22	banks	bank	NOUN
asfbr-556	23	23	performance	performance	NOUN
asfbr-556	23	24	in	in	ADP
asfbr-556	23	25	nigeria	nigeria	PROPN
asfbr-556	23	26	,	,	PUNCT
asfbr-556	23	27	to	to	PART
asfbr-556	23	28	find	find	VERB
asfbr-556	23	29	out	out	ADP
asfbr-556	23	30	the	the	DET
asfbr-556	23	31	short	short	ADJ
asfbr-556	23	32	run	run	NOUN
asfbr-556	23	33	and	and	CCONJ
asfbr-556	23	34	long	long	ADJ
asfbr-556	23	35	run	run	NOUN
asfbr-556	23	36	impact	impact	NOUN
asfbr-556	23	37	of	of	ADP
asfbr-556	23	38	non	non	ADJ
asfbr-556	23	39	-	-	ADJ
asfbr-556	23	40	performing	performing	ADJ
asfbr-556	23	41	loan	loan	NOUN
asfbr-556	23	42	on	on	ADP
asfbr-556	23	43	mailto:tomisaliu@gmail.com	mailto:tomisaliu@gmail.com	PROPN
asfbr-556	23	44	mailto:emmite1010@gmail.com	mailto:emmite1010@gmail.com	PROPN
asfbr-556	23	45	mailto:princeadeyinkaadewolej@gmail.com	mailto:princeadeyinkaadewolej@gmail.com	PROPN
asfbr-556	23	46	copyright	copyright	NOUN
asfbr-556	24	1	©	©	PROPN
asfbr-556	24	2	cc	cc	PROPN
asfbr-556	24	3	-	-	PUNCT
asfbr-556	24	4	by	by	ADP
asfbr-556	24	5	-	-	PUNCT
asfbr-556	24	6	nc	nc	PROPN
asfbr-556	24	7	2020	2020	NUM
asfbr-556	24	8	,	,	PUNCT
asfbr-556	24	9	cribfb	cribfb	VERB
asfbr-556	24	10	|	|	ADV
asfbr-556	25	1	asfbr	asfbr	NOUN
asfbr-556	25	2	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-556	25	3	asian	asian	ADJ
asfbr-556	25	4	finance	finance	PROPN
asfbr-556	25	5	&	&	CCONJ
asfbr-556	25	6	banking	banking	PROPN
asfbr-556	25	7	review	review	PROPN
asfbr-556	25	8	vol	vol	NOUN
asfbr-556	25	9	.	.	PROPN
asfbr-556	26	1	4	4	NUM
asfbr-556	26	2	,	,	PUNCT
asfbr-556	26	3	no	no	INTJ
asfbr-556	26	4	.	.	NOUN
asfbr-556	26	5	1	1	NUM
asfbr-556	26	6	;	;	PUNCT
asfbr-556	26	7	2020	2020	NUM
asfbr-556	26	8	18	18	NUM
asfbr-556	26	9	performance	performance	NOUN
asfbr-556	26	10	of	of	ADP
asfbr-556	26	11	deposit	deposit	NOUN
asfbr-556	26	12	money	money	NOUN
asfbr-556	26	13	banks	bank	NOUN
asfbr-556	26	14	in	in	ADP
asfbr-556	26	15	nigeria	nigeria	PROPN
asfbr-556	26	16	,	,	PUNCT
asfbr-556	26	17	to	to	PART
asfbr-556	26	18	identify	identify	VERB
asfbr-556	26	19	the	the	DET
asfbr-556	26	20	speed	speed	NOUN
asfbr-556	26	21	of	of	ADP
asfbr-556	26	22	adjustment	adjustment	NOUN
asfbr-556	26	23	at	at	ADP
asfbr-556	26	24	which	which	PRON
asfbr-556	26	25	deposit	deposit	NOUN
asfbr-556	26	26	money	money	NOUN
asfbr-556	26	27	banks	bank	NOUN
asfbr-556	26	28	adjust	adjust	VERB
asfbr-556	26	29	to	to	ADP
asfbr-556	26	30	long	long	ADV
asfbr-556	26	31	run	run	VERB
asfbr-556	26	32	equilibrium	equilibrium	NOUN
asfbr-556	26	33	as	as	ADP
asfbr-556	26	34	a	a	DET
asfbr-556	26	35	result	result	NOUN
asfbr-556	26	36	as	as	ADP
asfbr-556	26	37	a	a	DET
asfbr-556	26	38	result	result	NOUN
asfbr-556	26	39	of	of	ADP
asfbr-556	26	40	change	change	NOUN
asfbr-556	26	41	in	in	ADP
asfbr-556	26	42	nonperforming	nonperforme	VERB
asfbr-556	26	43	loan	loan	NOUN
asfbr-556	26	44	and	and	CCONJ
asfbr-556	26	45	to	to	PART
asfbr-556	26	46	evaluate	evaluate	VERB
asfbr-556	26	47	the	the	DET
asfbr-556	26	48	proportion	proportion	NOUN
asfbr-556	26	49	of	of	ADP
asfbr-556	26	50	variation	variation	NOUN
asfbr-556	26	51	of	of	ADP
asfbr-556	26	52	the	the	DET
asfbr-556	26	53	performance	performance	NOUN
asfbr-556	26	54	of	of	ADP
asfbr-556	26	55	deposit	deposit	NOUN
asfbr-556	26	56	money	money	NOUN
asfbr-556	26	57	bank	bank	NOUN
asfbr-556	26	58	explained	explain	VERB
asfbr-556	26	59	by	by	ADP
asfbr-556	26	60	non	non	ADJ
asfbr-556	26	61	-	-	ADJ
asfbr-556	26	62	performing	perform	VERB
asfbr-556	26	63	loan	loan	NOUN
asfbr-556	26	64	.	.	PUNCT
asfbr-556	27	1	the	the	DET
asfbr-556	27	2	research	research	NOUN
asfbr-556	27	3	questions	question	NOUN
asfbr-556	27	4	formulated	formulate	VERB
asfbr-556	27	5	to	to	PART
asfbr-556	27	6	guide	guide	VERB
asfbr-556	27	7	the	the	DET
asfbr-556	27	8	study	study	NOUN
asfbr-556	27	9	are	be	AUX
asfbr-556	27	10	;	;	PUNCT
asfbr-556	27	11	what	what	PRON
asfbr-556	27	12	is	be	AUX
asfbr-556	27	13	the	the	DET
asfbr-556	27	14	long	long	ADJ
asfbr-556	27	15	run	run	NOUN
asfbr-556	27	16	relationship	relationship	NOUN
asfbr-556	27	17	between	between	ADP
asfbr-556	27	18	the	the	DET
asfbr-556	27	19	nonperforming	nonperforme	VERB
asfbr-556	27	20	loan	loan	NOUN
asfbr-556	27	21	and	and	CCONJ
asfbr-556	27	22	deposit	deposit	NOUN
asfbr-556	27	23	money	money	NOUN
asfbr-556	27	24	banks	bank	NOUN
asfbr-556	27	25	performance	performance	NOUN
asfbr-556	27	26	in	in	ADP
asfbr-556	27	27	nigeria	nigeria	PROPN
asfbr-556	27	28	?	?	PUNCT
asfbr-556	28	1	what	what	PRON
asfbr-556	28	2	is	be	AUX
asfbr-556	28	3	the	the	DET
asfbr-556	28	4	short	short	ADJ
asfbr-556	28	5	run	run	NOUN
asfbr-556	28	6	and	and	CCONJ
asfbr-556	28	7	long	long	ADJ
asfbr-556	28	8	run	run	NOUN
asfbr-556	28	9	impact	impact	NOUN
asfbr-556	28	10	of	of	ADP
asfbr-556	28	11	nonperforming	nonperforme	VERB
asfbr-556	28	12	loan	loan	NOUN
asfbr-556	28	13	on	on	ADP
asfbr-556	28	14	performance	performance	NOUN
asfbr-556	28	15	of	of	ADP
asfbr-556	28	16	deposit	deposit	NOUN
asfbr-556	28	17	money	money	NOUN
asfbr-556	28	18	banks	bank	NOUN
asfbr-556	28	19	in	in	ADP
asfbr-556	28	20	nigeria	nigeria	PROPN
asfbr-556	28	21	?	?	PUNCT
asfbr-556	29	1	to	to	ADP
asfbr-556	29	2	what	what	DET
asfbr-556	29	3	extent	extent	NOUN
asfbr-556	29	4	is	be	AUX
asfbr-556	29	5	the	the	DET
asfbr-556	29	6	speed	speed	NOUN
asfbr-556	29	7	of	of	ADP
asfbr-556	29	8	adjustment	adjustment	NOUN
asfbr-556	29	9	at	at	ADP
asfbr-556	29	10	which	which	PRON
asfbr-556	29	11	deposit	deposit	NOUN
asfbr-556	29	12	money	money	NOUN
asfbr-556	29	13	banks	bank	NOUN
asfbr-556	29	14	adjust	adjust	VERB
asfbr-556	29	15	to	to	ADP
asfbr-556	29	16	long	long	ADV
asfbr-556	29	17	run	run	VERB
asfbr-556	29	18	equilibrium	equilibrium	NOUN
asfbr-556	29	19	as	as	ADP
asfbr-556	29	20	a	a	DET
asfbr-556	29	21	result	result	NOUN
asfbr-556	29	22	of	of	ADP
asfbr-556	29	23	change	change	NOUN
asfbr-556	29	24	in	in	ADP
asfbr-556	29	25	nonperforming	nonperforme	VERB
asfbr-556	29	26	loan	loan	NOUN
asfbr-556	29	27	?	?	PUNCT
asfbr-556	30	1	what	what	PRON
asfbr-556	30	2	is	be	AUX
asfbr-556	30	3	the	the	DET
asfbr-556	30	4	proportion	proportion	NOUN
asfbr-556	30	5	of	of	ADP
asfbr-556	30	6	variation	variation	NOUN
asfbr-556	30	7	of	of	ADP
asfbr-556	30	8	the	the	DET
asfbr-556	30	9	performance	performance	NOUN
asfbr-556	30	10	of	of	ADP
asfbr-556	30	11	deposit	deposit	NOUN
asfbr-556	30	12	money	money	NOUN
asfbr-556	30	13	bank	bank	NOUN
asfbr-556	30	14	explained	explain	VERB
asfbr-556	30	15	by	by	ADP
asfbr-556	30	16	non	non	ADJ
asfbr-556	30	17	-	-	ADJ
asfbr-556	30	18	performing	perform	VERB
asfbr-556	30	19	loan	loan	NOUN
asfbr-556	30	20	?	?	PUNCT
asfbr-556	31	1	2	2	X
asfbr-556	31	2	.	.	X
asfbr-556	31	3	methodology	methodology	NOUN
asfbr-556	31	4	this	this	DET
asfbr-556	31	5	study	study	NOUN
asfbr-556	31	6	employed	employ	VERB
asfbr-556	31	7	time	time	NOUN
asfbr-556	31	8	series	series	PROPN
asfbr-556	31	9	secondary	secondary	ADJ
asfbr-556	31	10	data	datum	NOUN
asfbr-556	31	11	covering	cover	VERB
asfbr-556	31	12	the	the	DET
asfbr-556	31	13	period	period	NOUN
asfbr-556	31	14	from	from	ADP
asfbr-556	31	15	1986	1986	NUM
asfbr-556	31	16	to	to	ADP
asfbr-556	31	17	2018	2018	NUM
asfbr-556	31	18	.	.	PUNCT
asfbr-556	32	1	data	datum	NOUN
asfbr-556	32	2	was	be	AUX
asfbr-556	32	3	sourced	source	VERB
asfbr-556	32	4	from	from	ADP
asfbr-556	32	5	cbn	cbn	PROPN
asfbr-556	32	6	statistical	statistical	ADJ
asfbr-556	32	7	bulletin	bulletin	NOUN
asfbr-556	32	8	.	.	PUNCT
asfbr-556	33	1	the	the	DET
asfbr-556	33	2	study	study	NOUN
asfbr-556	33	3	adopted	adopt	VERB
asfbr-556	33	4	auto	auto	NOUN
asfbr-556	33	5	regression	regression	NOUN
asfbr-556	33	6	distribution	distribution	NOUN
asfbr-556	33	7	lag	lag	NOUN
asfbr-556	33	8	(	(	PUNCT
asfbr-556	33	9	ardl	ardl	NOUN
asfbr-556	33	10	)	)	PUNCT
asfbr-556	33	11	bound	bind	VERB
asfbr-556	33	12	tests	test	NOUN
asfbr-556	33	13	to	to	PART
asfbr-556	33	14	analyze	analyze	VERB
asfbr-556	33	15	the	the	DET
asfbr-556	33	16	long	long	ADJ
asfbr-556	33	17	run	run	NOUN
asfbr-556	33	18	relationship	relationship	NOUN
asfbr-556	33	19	that	that	PRON
asfbr-556	33	20	exist	exist	VERB
asfbr-556	33	21	between	between	ADP
asfbr-556	33	22	non	non	ADJ
asfbr-556	33	23	performing	perform	VERB
asfbr-556	33	24	loan	loan	NOUN
asfbr-556	33	25	and	and	CCONJ
asfbr-556	33	26	dmb	dmb	PROPN
asfbr-556	33	27	performance	performance	NOUN
asfbr-556	33	28	in	in	ADP
asfbr-556	33	29	nigeria	nigeria	PROPN
asfbr-556	33	30	while	while	SCONJ
asfbr-556	33	31	the	the	DET
asfbr-556	33	32	error	error	NOUN
asfbr-556	33	33	correction	correction	NOUN
asfbr-556	33	34	model	model	NOUN
asfbr-556	33	35	was	be	AUX
asfbr-556	33	36	used	use	VERB
asfbr-556	33	37	to	to	PART
asfbr-556	33	38	evaluate	evaluate	VERB
asfbr-556	33	39	the	the	DET
asfbr-556	33	40	proportion	proportion	NOUN
asfbr-556	33	41	of	of	ADP
asfbr-556	33	42	variation	variation	NOUN
asfbr-556	33	43	of	of	ADP
asfbr-556	33	44	the	the	DET
asfbr-556	33	45	dependent	dependent	ADJ
asfbr-556	33	46	variable	variable	NOUN
asfbr-556	33	47	explained	explain	VERB
asfbr-556	33	48	by	by	ADP
asfbr-556	33	49	each	each	PRON
asfbr-556	33	50	of	of	ADP
asfbr-556	33	51	the	the	DET
asfbr-556	33	52	independent	independent	ADJ
asfbr-556	33	53	variables	variable	NOUN
asfbr-556	33	54	.	.	PUNCT
asfbr-556	34	1	the	the	DET
asfbr-556	34	2	variance	variance	NOUN
asfbr-556	34	3	decomposition	decomposition	NOUN
asfbr-556	34	4	was	be	AUX
asfbr-556	34	5	adopted	adopt	VERB
asfbr-556	34	6	to	to	PART
asfbr-556	34	7	capture	capture	VERB
asfbr-556	34	8	the	the	DET
asfbr-556	34	9	proportion	proportion	NOUN
asfbr-556	34	10	of	of	ADP
asfbr-556	34	11	variation	variation	NOUN
asfbr-556	34	12	of	of	ADP
asfbr-556	34	13	the	the	DET
asfbr-556	34	14	dependent	dependent	ADJ
asfbr-556	34	15	variable	variable	NOUN
asfbr-556	34	16	explained	explain	VERB
asfbr-556	34	17	by	by	ADP
asfbr-556	34	18	each	each	PRON
asfbr-556	34	19	of	of	ADP
asfbr-556	34	20	the	the	DET
asfbr-556	34	21	independent	independent	ADJ
asfbr-556	34	22	variables	variable	NOUN
asfbr-556	34	23	while	while	SCONJ
asfbr-556	34	24	some	some	DET
asfbr-556	34	25	diagnostic	diagnostic	ADJ
asfbr-556	34	26	test	test	NOUN
asfbr-556	34	27	was	be	AUX
asfbr-556	34	28	carried	carry	VERB
asfbr-556	34	29	to	to	PART
asfbr-556	34	30	test	test	VERB
asfbr-556	34	31	the	the	DET
asfbr-556	34	32	reliability	reliability	NOUN
asfbr-556	34	33	and	and	CCONJ
asfbr-556	34	34	predictability	predictability	NOUN
asfbr-556	34	35	of	of	ADP
asfbr-556	34	36	the	the	DET
asfbr-556	34	37	model	model	NOUN
asfbr-556	34	38	.	.	PUNCT
asfbr-556	35	1	2.1	2.1	NUM
asfbr-556	35	2	model	model	NOUN
asfbr-556	35	3	specification	specification	NOUN
asfbr-556	35	4	roa	roa	PROPN
asfbr-556	35	5	=	=	PROPN
asfbr-556	35	6	f	f	PROPN
asfbr-556	35	7	(	(	PUNCT
asfbr-556	35	8	npl	npl	PROPN
asfbr-556	35	9	,	,	PUNCT
asfbr-556	35	10	bdb	bdb	PROPN
asfbr-556	35	11	,	,	PUNCT
asfbr-556	35	12	bcrid	bcrid	VERB
asfbr-556	35	13	,	,	PUNCT
asfbr-556	35	14	tdb	tdb	PROPN
asfbr-556	35	15	)	)	PUNCT
asfbr-556	35	16	roat	roat	NOUN
asfbr-556	35	17	=	=	SYM
asfbr-556	35	18	b0	b0	NOUN
asfbr-556	35	19	+	+	CCONJ
asfbr-556	35	20	b1lnnplt	b1lnnplt	NOUN
asfbr-556	35	21	+	+	CCONJ
asfbr-556	35	22	b2lnbcdt	b2lnbcdt	NOUN
asfbr-556	35	23	+	+	CCONJ
asfbr-556	35	24	b3lntdbt	b3lntdbt	PROPN
asfbr-556	35	25	+	+	CCONJ
asfbr-556	35	26	b4bcridt	b4bcridt	ADJ
asfbr-556	35	27	+	+	CCONJ
asfbr-556	35	28	ut	ut	PROPN
asfbr-556	35	29	b1<0	b1<0	PROPN
asfbr-556	35	30	,	,	PUNCT
asfbr-556	35	31	b2>0	b2>0	NOUN
asfbr-556	35	32	,	,	PUNCT
asfbr-556	35	33	b3>0	b3>0	NOUN
asfbr-556	35	34	,	,	PUNCT
asfbr-556	35	35	b4>0	b4>0	NOUN
asfbr-556	35	36	and	and	CCONJ
asfbr-556	35	37	b5>0	b5>0	ADJ
asfbr-556	35	38	.	.	PUNCT
asfbr-556	36	1	roat	roat	NOUN
asfbr-556	36	2	=	=	SYM
asfbr-556	36	3	b0	b0	PROPN
asfbr-556	36	4	+	+	CCONJ
asfbr-556	36	5	∑	∑	ADP
asfbr-556	36	6	b𝑛	b𝑛	VERB
asfbr-556	36	7	𝑡=𝑖	𝑡=𝑖	NOUN
asfbr-556	36	8	1	1	NUM
asfbr-556	36	9	lnnplt	lnnplt	NOUN
asfbr-556	36	10	+	+	NOUN
asfbr-556	36	11	∑	∑	PROPN
asfbr-556	36	12	b𝑛	b𝑛	VERB
asfbr-556	36	13	𝑡=𝑖	𝑡=𝑖	PROPN
asfbr-556	36	14	2lnbcdt	2lnbcdt	PROPN
asfbr-556	37	1	+	+	ADJ
asfbr-556	37	2	∑	∑	ADJ
asfbr-556	37	3	b𝑛	b𝑛	NOUN
asfbr-556	37	4	𝑡=𝑖	𝑡=𝑖	PROPN
asfbr-556	37	5	3lntdbt	3lntdbt	NUM
asfbr-556	37	6	+	+	CCONJ
asfbr-556	37	7	∑	∑	ADP
asfbr-556	37	8	b𝑛	b𝑛	VERB
asfbr-556	37	9	𝑡=𝑖	𝑡=𝑖	PROPN
asfbr-556	37	10	4bcridt	4bcridt	PROPN
asfbr-556	38	1	+	+	CCONJ
asfbr-556	38	2	ut	ut	PROPN
asfbr-556	38	3	the	the	DET
asfbr-556	38	4	estimated	estimate	VERB
asfbr-556	38	5	short	short	ADJ
asfbr-556	38	6	-	-	PUNCT
asfbr-556	38	7	run	run	NOUN
asfbr-556	38	8	equation	equation	NOUN
asfbr-556	38	9	and	and	CCONJ
asfbr-556	38	10	the	the	DET
asfbr-556	38	11	error	error	NOUN
asfbr-556	38	12	correction	correction	NOUN
asfbr-556	38	13	term	term	NOUN
asfbr-556	38	14	are	be	AUX
asfbr-556	38	15	roat	roat	NOUN
asfbr-556	38	16	=	=	SYM
asfbr-556	38	17	b0	b0	PROPN
asfbr-556	38	18	+	+	CCONJ
asfbr-556	38	19	∑	∑	ADP
asfbr-556	38	20	b𝑛	b𝑛	VERB
asfbr-556	38	21	𝑡=𝑖	𝑡=𝑖	NOUN
asfbr-556	38	22	1	1	NUM
asfbr-556	38	23	lnnplt	lnnplt	NOUN
asfbr-556	38	24	+	+	NOUN
asfbr-556	38	25	∑	∑	PROPN
asfbr-556	38	26	b𝑛	b𝑛	VERB
asfbr-556	38	27	𝑡=𝑖	𝑡=𝑖	PROPN
asfbr-556	38	28	2lnbcdt	2lnbcdt	PROPN
asfbr-556	39	1	+	+	ADJ
asfbr-556	39	2	∑	∑	ADJ
asfbr-556	39	3	b𝑛	b𝑛	NOUN
asfbr-556	39	4	𝑡=𝑖	𝑡=𝑖	PROPN
asfbr-556	39	5	3lntdbt	3lntdbt	NUM
asfbr-556	39	6	+	+	CCONJ
asfbr-556	39	7	∑	∑	ADP
asfbr-556	39	8	b𝑛	b𝑛	ADJ
asfbr-556	39	9	𝑡=𝑖	𝑡=𝑖	PROPN
asfbr-556	39	10	4bcrid+	4bcrid+	NOUN
asfbr-556	39	11	ecmt	ecmt	NOUN
asfbr-556	39	12	=	=	PROPN
asfbr-556	39	13	i	i	PROPN
asfbr-556	39	14	+	+	CCONJ
asfbr-556	39	15	ut	ut	PROPN
asfbr-556	39	16	many	many	ADJ
asfbr-556	39	17	authors	author	NOUN
asfbr-556	39	18	have	have	AUX
asfbr-556	39	19	used	use	VERB
asfbr-556	39	20	similar	similar	ADJ
asfbr-556	39	21	method	method	NOUN
asfbr-556	39	22	to	to	PART
asfbr-556	39	23	explain	explain	VERB
asfbr-556	39	24	the	the	DET
asfbr-556	39	25	issue	issue	NOUN
asfbr-556	39	26	of	of	ADP
asfbr-556	39	27	non	non	ADJ
asfbr-556	39	28	-	-	ADJ
asfbr-556	39	29	performing	perform	VERB
asfbr-556	39	30	loan	loan	NOUN
asfbr-556	39	31	;	;	PUNCT
asfbr-556	39	32	mohammad	mohammad	PROPN
asfbr-556	39	33	,	,	PUNCT
asfbr-556	39	34	ammara	ammara	ADV
asfbr-556	39	35	,	,	PUNCT
asfbr-556	39	36	abrar	abrar	NOUN
asfbr-556	39	37	and	and	CCONJ
asfbr-556	39	38	fareeha	fareeha	ADJ
asfbr-556	39	39	(	(	PUNCT
asfbr-556	39	40	2012	2012	NUM
asfbr-556	39	41	)	)	PUNCT
asfbr-556	39	42	examined	examine	VERB
asfbr-556	39	43	economic	economic	ADJ
asfbr-556	39	44	determinants	determinant	NOUN
asfbr-556	39	45	of	of	ADP
asfbr-556	39	46	non	non	ADJ
asfbr-556	39	47	-	-	ADJ
asfbr-556	39	48	performing	performing	ADJ
asfbr-556	39	49	loans	loan	NOUN
asfbr-556	39	50	using	use	VERB
asfbr-556	39	51	correlation	correlation	NOUN
asfbr-556	39	52	and	and	CCONJ
asfbr-556	39	53	regression	regression	VERB
asfbr-556	39	54	analysis	analysis	NOUN
asfbr-556	39	55	to	to	PART
asfbr-556	39	56	analyze	analyze	VERB
asfbr-556	39	57	the	the	DET
asfbr-556	39	58	impact	impact	NOUN
asfbr-556	39	59	of	of	ADP
asfbr-556	39	60	selected	select	VERB
asfbr-556	39	61	independent	independent	ADJ
asfbr-556	39	62	variables	variable	NOUN
asfbr-556	39	63	and	and	CCONJ
asfbr-556	39	64	the	the	DET
asfbr-556	39	65	result	result	NOUN
asfbr-556	39	66	reveals	reveal	VERB
asfbr-556	39	67	that	that	SCONJ
asfbr-556	39	68	interest	interest	NOUN
asfbr-556	39	69	rate	rate	NOUN
asfbr-556	39	70	,	,	PUNCT
asfbr-556	39	71	energy	energy	NOUN
asfbr-556	39	72	crisis	crisis	NOUN
asfbr-556	39	73	,	,	PUNCT
asfbr-556	39	74	unemployment	unemployment	NOUN
asfbr-556	39	75	,	,	PUNCT
asfbr-556	39	76	inflation	inflation	NOUN
asfbr-556	39	77	and	and	CCONJ
asfbr-556	39	78	exchange	exchange	NOUN
asfbr-556	39	79	rate	rate	NOUN
asfbr-556	39	80	has	have	VERB
asfbr-556	39	81	a	a	DET
asfbr-556	39	82	significant	significant	ADJ
asfbr-556	39	83	positive	positive	ADJ
asfbr-556	39	84	relationship	relationship	NOUN
asfbr-556	39	85	with	with	ADP
asfbr-556	39	86	the	the	DET
asfbr-556	39	87	non	non	ADJ
asfbr-556	39	88	-	-	ADJ
asfbr-556	39	89	performing	performing	ADJ
asfbr-556	39	90	loans	loan	NOUN
asfbr-556	39	91	of	of	ADP
asfbr-556	39	92	pakistan	pakistan	PROPN
asfbr-556	39	93	banking	banking	NOUN
asfbr-556	39	94	sector	sector	NOUN
asfbr-556	39	95	,	,	PUNCT
asfbr-556	39	96	while	while	SCONJ
asfbr-556	39	97	gdp	gdp	NOUN
asfbr-556	39	98	growth	growth	NOUN
asfbr-556	39	99	rate	rate	NOUN
asfbr-556	39	100	has	have	VERB
asfbr-556	39	101	a	a	DET
asfbr-556	39	102	significant	significant	ADJ
asfbr-556	39	103	negative	negative	ADJ
asfbr-556	39	104	relationship	relationship	NOUN
asfbr-556	39	105	with	with	ADP
asfbr-556	39	106	the	the	DET
asfbr-556	39	107	non	non	ADJ
asfbr-556	39	108	-	-	ADJ
asfbr-556	39	109	performing	performing	ADJ
asfbr-556	39	110	loans	loan	NOUN
asfbr-556	39	111	of	of	ADP
asfbr-556	39	112	pakistan	pakistan	PROPN
asfbr-556	39	113	banking	banking	NOUN
asfbr-556	39	114	sector	sector	NOUN
asfbr-556	39	115	.	.	PUNCT
asfbr-556	40	1	bofondi	bofondi	PROPN
asfbr-556	40	2	and	and	CCONJ
asfbr-556	40	3	ropele	ropele	PROPN
asfbr-556	40	4	(	(	PUNCT
asfbr-556	40	5	2011	2011	NUM
asfbr-556	40	6	)	)	PUNCT
asfbr-556	40	7	investigated	investigate	VERB
asfbr-556	40	8	the	the	DET
asfbr-556	40	9	macroeconomic	macroeconomic	ADJ
asfbr-556	40	10	determinants	determinant	NOUN
asfbr-556	40	11	of	of	ADP
asfbr-556	40	12	bad	bad	ADJ
asfbr-556	40	13	loans	loan	NOUN
asfbr-556	40	14	of	of	ADP
asfbr-556	40	15	italian	italian	ADJ
asfbr-556	40	16	banks	bank	NOUN
asfbr-556	40	17	for	for	ADP
asfbr-556	40	18	the	the	DET
asfbr-556	40	19	period	period	NOUN
asfbr-556	40	20	1990	1990	NUM
asfbr-556	40	21	-	-	SYM
asfbr-556	40	22	2010	2010	NUM
asfbr-556	40	23	using	use	VERB
asfbr-556	40	24	quarterly	quarterly	ADJ
asfbr-556	40	25	data	datum	NOUN
asfbr-556	40	26	and	and	CCONJ
asfbr-556	40	27	found	find	VERB
asfbr-556	40	28	that	that	SCONJ
asfbr-556	40	29	non	non	ADJ
asfbr-556	40	30	-	-	ADJ
asfbr-556	40	31	performing	performing	ADJ
asfbr-556	40	32	loans	loan	NOUN
asfbr-556	40	33	are	be	AUX
asfbr-556	40	34	positively	positively	ADV
asfbr-556	40	35	associated	associate	VERB
asfbr-556	40	36	with	with	ADP
asfbr-556	40	37	the	the	DET
asfbr-556	40	38	unemployment	unemployment	NOUN
asfbr-556	40	39	rates	rate	NOUN
asfbr-556	40	40	,	,	PUNCT
asfbr-556	40	41	lending	lending	NOUN
asfbr-556	40	42	rates	rate	NOUN
asfbr-556	40	43	and	and	CCONJ
asfbr-556	40	44	negatively	negatively	ADV
asfbr-556	40	45	associated	associate	VERB
asfbr-556	40	46	with	with	ADP
asfbr-556	40	47	the	the	DET
asfbr-556	40	48	gdp	gdp	NOUN
asfbr-556	40	49	growth	growth	NOUN
asfbr-556	40	50	rate	rate	NOUN
asfbr-556	40	51	.	.	PUNCT
asfbr-556	41	1	similarly	similarly	ADV
asfbr-556	41	2	,	,	PUNCT
asfbr-556	41	3	ekanayake	ekanayake	NOUN
asfbr-556	41	4	and	and	CCONJ
asfbr-556	41	5	azeez	azeez	NOUN
asfbr-556	41	6	(	(	PUNCT
asfbr-556	41	7	2015	2015	NUM
asfbr-556	41	8	)	)	PUNCT
asfbr-556	41	9	viewed	view	VERB
asfbr-556	41	10	that	that	SCONJ
asfbr-556	41	11	the	the	DET
asfbr-556	41	12	determinants	determinant	NOUN
asfbr-556	41	13	of	of	ADP
asfbr-556	41	14	non	non	ADJ
asfbr-556	41	15	-	-	ADJ
asfbr-556	41	16	performing	performing	ADJ
asfbr-556	41	17	loans	loan	NOUN
asfbr-556	41	18	in	in	ADP
asfbr-556	41	19	certified	certified	ADJ
asfbr-556	41	20	commercial	commercial	ADJ
asfbr-556	41	21	banks	bank	NOUN
asfbr-556	41	22	in	in	ADP
asfbr-556	41	23	sri	sri	PROPN
asfbr-556	41	24	lanka	lanka	PROPN
asfbr-556	41	25	for	for	ADP
asfbr-556	41	26	the	the	DET
asfbr-556	41	27	period	period	NOUN
asfbr-556	41	28	1999	1999	NUM
asfbr-556	41	29	-	-	SYM
asfbr-556	41	30	2012	2012	NUM
asfbr-556	41	31	were	be	AUX
asfbr-556	41	32	explored	explore	VERB
asfbr-556	41	33	and	and	CCONJ
asfbr-556	41	34	it	it	PRON
asfbr-556	41	35	was	be	AUX
asfbr-556	41	36	discovered	discover	VERB
asfbr-556	41	37	that	that	SCONJ
asfbr-556	41	38	the	the	DET
asfbr-556	41	39	level	level	NOUN
asfbr-556	41	40	of	of	ADP
asfbr-556	41	41	non	non	ADJ
asfbr-556	41	42	-	-	ADJ
asfbr-556	41	43	performing	perform	VERB
asfbr-556	41	44	loans	loan	NOUN
asfbr-556	41	45	can	can	AUX
asfbr-556	41	46	be	be	AUX
asfbr-556	41	47	attributed	attribute	VERB
asfbr-556	41	48	both	both	ADV
asfbr-556	41	49	to	to	ADP
asfbr-556	41	50	macroeconomic	macroeconomic	ADJ
asfbr-556	41	51	situations	situation	NOUN
asfbr-556	41	52	and	and	CCONJ
asfbr-556	41	53	to	to	ADP
asfbr-556	41	54	particular	particular	ADJ
asfbr-556	41	55	factors	factor	NOUN
asfbr-556	41	56	for	for	ADP
asfbr-556	41	57	banks	bank	NOUN
asfbr-556	41	58	.	.	PUNCT
asfbr-556	42	1	results	result	NOUN
asfbr-556	42	2	of	of	ADP
asfbr-556	42	3	their	their	PRON
asfbr-556	42	4	study	study	NOUN
asfbr-556	42	5	reveal	reveal	VERB
asfbr-556	42	6	that	that	SCONJ
asfbr-556	42	7	non	non	ADJ
asfbr-556	42	8	-	-	ADJ
asfbr-556	42	9	performing	performing	ADJ
asfbr-556	42	10	loans	loan	NOUN
asfbr-556	42	11	tend	tend	VERB
asfbr-556	42	12	to	to	PART
asfbr-556	42	13	increase	increase	VERB
asfbr-556	42	14	with	with	ADP
asfbr-556	42	15	deteriorating	deteriorate	VERB
asfbr-556	42	16	bank	bank	NOUN
asfbr-556	42	17	efficiency	efficiency	NOUN
asfbr-556	42	18	and	and	CCONJ
asfbr-556	42	19	a	a	DET
asfbr-556	42	20	positive	positive	ADJ
asfbr-556	42	21	correlation	correlation	NOUN
asfbr-556	42	22	between	between	ADP
asfbr-556	42	23	loan	loan	NOUN
asfbr-556	42	24	asset	asset	NOUN
asfbr-556	42	25	ratio	ratio	NOUN
asfbr-556	42	26	and	and	CCONJ
asfbr-556	42	27	non	non	ADJ
asfbr-556	42	28	-	-	ADJ
asfbr-556	42	29	performing	performing	ADJ
asfbr-556	42	30	loans	loan	NOUN
asfbr-556	42	31	occurred	occur	VERB
asfbr-556	42	32	.	.	PUNCT
asfbr-556	43	1	they	they	PRON
asfbr-556	43	2	also	also	ADV
asfbr-556	43	3	observed	observe	VERB
asfbr-556	43	4	that	that	SCONJ
asfbr-556	43	5	banks	bank	NOUN
asfbr-556	43	6	with	with	ADP
asfbr-556	43	7	high	high	ADJ
asfbr-556	43	8	credit	credit	NOUN
asfbr-556	43	9	growth	growth	NOUN
asfbr-556	43	10	rates	rate	NOUN
asfbr-556	43	11	are	be	AUX
asfbr-556	43	12	associated	associate	VERB
asfbr-556	43	13	with	with	ADP
asfbr-556	43	14	lower	low	ADJ
asfbr-556	43	15	levels	level	NOUN
asfbr-556	43	16	of	of	ADP
asfbr-556	43	17	non	non	ADJ
asfbr-556	43	18	-	-	ADJ
asfbr-556	43	19	performing	performing	ADJ
asfbr-556	43	20	loans	loan	NOUN
asfbr-556	43	21	,	,	PUNCT
asfbr-556	43	22	while	while	SCONJ
asfbr-556	43	23	larger	large	ADJ
asfbr-556	43	24	banks	bank	NOUN
asfbr-556	43	25	incur	incur	PROPN
asfbr-556	43	26	loan	loan	NOUN
asfbr-556	43	27	defaults	default	NOUN
asfbr-556	43	28	that	that	PRON
asfbr-556	43	29	are	be	AUX
asfbr-556	43	30	lower	low	ADJ
asfbr-556	43	31	than	than	ADP
asfbr-556	43	32	smaller	small	ADJ
asfbr-556	43	33	banks	bank	NOUN
asfbr-556	43	34	.	.	PUNCT
asfbr-556	44	1	however	however	ADV
asfbr-556	44	2	,	,	PUNCT
asfbr-556	44	3	the	the	DET
asfbr-556	44	4	study	study	NOUN
asfbr-556	44	5	found	find	VERB
asfbr-556	44	6	with	with	ADP
asfbr-556	44	7	regards	regard	NOUN
asfbr-556	44	8	to	to	ADP
asfbr-556	44	9	the	the	DET
asfbr-556	44	10	macro	macro	ADJ
asfbr-556	44	11	economic	economic	ADJ
asfbr-556	44	12	variables	variable	NOUN
asfbr-556	44	13	,	,	PUNCT
asfbr-556	44	14	that	that	SCONJ
asfbr-556	44	15	non	non	ADJ
asfbr-556	44	16	-	-	ADJ
asfbr-556	44	17	performing	performing	ADJ
asfbr-556	44	18	loans	loan	NOUN
asfbr-556	44	19	vary	vary	VERB
asfbr-556	44	20	negatively	negatively	ADV
asfbr-556	44	21	with	with	ADP
asfbr-556	44	22	growth	growth	NOUN
asfbr-556	44	23	rate	rate	NOUN
asfbr-556	44	24	of	of	ADP
asfbr-556	44	25	gdp	gdp	NOUN
asfbr-556	44	26	,	,	PUNCT
asfbr-556	44	27	while	while	SCONJ
asfbr-556	44	28	inflation	inflation	NOUN
asfbr-556	44	29	was	be	AUX
asfbr-556	44	30	positively	positively	ADV
asfbr-556	44	31	related	relate	VERB
asfbr-556	44	32	to	to	ADP
asfbr-556	44	33	the	the	DET
asfbr-556	44	34	prime	prime	ADJ
asfbr-556	44	35	lending	lending	NOUN
asfbr-556	44	36	rate	rate	NOUN
asfbr-556	44	37	.	.	PUNCT
asfbr-556	45	1	3	3	X
asfbr-556	45	2	.	.	X
asfbr-556	45	3	presentation	presentation	NOUN
asfbr-556	45	4	of	of	ADP
asfbr-556	45	5	data	datum	NOUN
asfbr-556	45	6	bcd	bcd	PROPN
asfbr-556	45	7	bcir	bcir	PROPN
asfbr-556	45	8	npl	npl	PROPN
asfbr-556	45	9	roa	roa	PROPN
asfbr-556	45	10	tdp	tdp	NOUN
asfbr-556	45	11	mean	mean	VERB
asfbr-556	45	12	84.01459	84.01459	NUM
asfbr-556	45	13	65.57019	65.57019	NUM
asfbr-556	45	14	14.56781	14.56781	NUM
asfbr-556	46	1	2.495662	2.495662	NUM
asfbr-556	46	2	12.46906	12.46906	NUM
asfbr-556	46	3	median	median	NOUN
asfbr-556	46	4	81.84000	81.84000	NUM
asfbr-556	46	5	66.15500	66.15500	NUM
asfbr-556	46	6	13.81500	13.81500	NUM
asfbr-556	46	7	2.332251	2.332251	NUM
asfbr-556	46	8	10.25000	10.25000	NUM
asfbr-556	46	9	maximum	maximum	ADJ
asfbr-556	46	10	106.7700	106.7700	NUM
asfbr-556	46	11	81.37000	81.37000	NUM
asfbr-556	46	12	37.25000	37.25000	NUM
asfbr-556	46	13	4.120000	4.120000	NUM
asfbr-556	46	14	22.54000	22.54000	NUM
asfbr-556	46	15	minimum	minimum	NOUN
asfbr-556	46	16	61.22000	61.22000	NUM
asfbr-556	46	17	55.69000	55.69000	NUM
asfbr-556	46	18	2.120000	2.120000	NUM
asfbr-556	46	19	0.090000	0.090000	NUM
asfbr-556	46	20	6.070000	6.070000	NUM
asfbr-556	46	21	std	std	NOUN
asfbr-556	46	22	.	.	PUNCT
asfbr-556	46	23	dev	dev	PROPN
asfbr-556	46	24	.	.	PROPN
asfbr-556	46	25	12.65723	12.65723	NUM
asfbr-556	47	1	6.762784	6.762784	NUM
asfbr-556	47	2	9.647148	9.647148	NUM
asfbr-556	47	3	0.777410	0.777410	NUM
asfbr-556	47	4	4.976759	4.976759	NUM
asfbr-556	47	5	skewness	skewness	NOUN
asfbr-556	47	6	0.252767	0.252767	NUM
asfbr-556	47	7	0.270515	0.270515	NUM
asfbr-556	47	8	0.563522	0.563522	NUM
asfbr-556	47	9	-0.366385	-0.366385	NOUN
asfbr-556	47	10	0.280608	0.280608	NUM
asfbr-556	47	11	copyright	copyright	NOUN
asfbr-556	47	12	©	©	PROPN
asfbr-556	47	13	cc	cc	PROPN
asfbr-556	47	14	-	-	PUNCT
asfbr-556	47	15	by	by	ADP
asfbr-556	47	16	-	-	PUNCT
asfbr-556	47	17	nc	nc	PROPN
asfbr-556	47	18	2020	2020	NUM
asfbr-556	47	19	,	,	PUNCT
asfbr-556	47	20	cribfb	cribfb	VERB
asfbr-556	47	21	|	|	ADV
asfbr-556	47	22	asfbr	asfbr	NOUN
asfbr-556	47	23	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-556	47	24	asian	asian	ADJ
asfbr-556	47	25	finance	finance	PROPN
asfbr-556	47	26	&	&	CCONJ
asfbr-556	47	27	banking	banking	PROPN
asfbr-556	47	28	review	review	PROPN
asfbr-556	47	29	vol	vol	NOUN
asfbr-556	47	30	.	.	PROPN
asfbr-556	48	1	4	4	NUM
asfbr-556	48	2	,	,	PUNCT
asfbr-556	48	3	no	no	INTJ
asfbr-556	48	4	.	.	NOUN
asfbr-556	48	5	1	1	NUM
asfbr-556	48	6	;	;	PUNCT
asfbr-556	48	7	2020	2020	NUM
asfbr-556	48	8	19	19	NUM
asfbr-556	48	9	kurtosis	kurtosis	NOUN
asfbr-556	48	10	2.107124	2.107124	NUM
asfbr-556	48	11	2.220614	2.220614	NUM
asfbr-556	48	12	2.678805	2.678805	NUM
asfbr-556	48	13	4.584726	4.584726	NUM
asfbr-556	48	14	1.551357	1.551357	NUM
asfbr-556	48	15	jarque	jarque	NOUN
asfbr-556	48	16	-	-	PUNCT
asfbr-556	48	17	bera	bera	NOUN
asfbr-556	48	18	1.403723	1.403723	NUM
asfbr-556	48	19	1.200207	1.200207	NUM
asfbr-556	48	20	1.831195	1.831195	NUM
asfbr-556	48	21	4.064411	4.064411	NUM
asfbr-556	48	22	3.218038	3.218038	NUM
asfbr-556	48	23	probability	probability	NOUN
asfbr-556	48	24	0.495662	0.495662	NUM
asfbr-556	48	25	0.548755	0.548755	NUM
asfbr-556	48	26	0.400277	0.400277	NUM
asfbr-556	48	27	0.131046	0.131046	NUM
asfbr-556	48	28	0.200084	0.200084	NUM
asfbr-556	48	29	sum	sum	NOUN
asfbr-556	48	30	2688.467	2688.467	NUM
asfbr-556	48	31	2098.246	2098.246	NUM
asfbr-556	48	32	466.1700	466.1700	NUM
asfbr-556	48	33	79.86119	79.86119	NUM
asfbr-556	48	34	399.0100	399.0100	NUM
asfbr-556	48	35	sum	sum	NOUN
asfbr-556	48	36	sq	sq	PROPN
asfbr-556	48	37	.	.	PROPN
asfbr-556	48	38	dev	dev	PROPN
asfbr-556	48	39	.	.	PUNCT
asfbr-556	49	1	4966.371	4966.371	NUM
asfbr-556	50	1	1417.793	1417.793	NUM
asfbr-556	50	2	2885.092	2885.092	NUM
asfbr-556	50	3	18.73536	18.73536	NUM
asfbr-556	50	4	767.8121	767.8121	NUM
asfbr-556	50	5	observations	observation	NOUN
asfbr-556	50	6	32	32	NUM
asfbr-556	50	7	32	32	NUM
asfbr-556	50	8	32	32	NUM
asfbr-556	50	9	32	32	NUM
asfbr-556	50	10	32	32	NUM
asfbr-556	50	11	source	source	NOUN
asfbr-556	50	12	:	:	PUNCT
asfbr-556	50	13	authors	author	NOUN
asfbr-556	50	14	computation	computation	VERB
asfbr-556	50	15	e	e	NOUN
asfbr-556	50	16	-	-	NOUN
asfbr-556	50	17	view	view	VERB
asfbr-556	50	18	9.0	9.0	NUM
asfbr-556	50	19	the	the	DET
asfbr-556	50	20	tables	table	NOUN
asfbr-556	50	21	depicts	depict	VERB
asfbr-556	50	22	the	the	DET
asfbr-556	50	23	descriptive	descriptive	ADJ
asfbr-556	50	24	statistics	statistic	NOUN
asfbr-556	50	25	of	of	ADP
asfbr-556	50	26	the	the	DET
asfbr-556	50	27	variables	variable	NOUN
asfbr-556	50	28	a	a	DET
asfbr-556	50	29	mean	mean	NOUN
asfbr-556	50	30	of	of	ADP
asfbr-556	50	31	84	84	NUM
asfbr-556	50	32	%	%	NOUN
asfbr-556	50	33	of	of	ADP
asfbr-556	50	34	the	the	DET
asfbr-556	50	35	bank	bank	NOUN
asfbr-556	50	36	deposit	deposit	NOUN
asfbr-556	50	37	is	be	AUX
asfbr-556	50	38	granted	grant	VERB
asfbr-556	50	39	as	as	ADP
asfbr-556	50	40	loan	loan	NOUN
asfbr-556	50	41	in	in	ADP
asfbr-556	50	42	which	which	PRON
asfbr-556	50	43	14	14	NUM
asfbr-556	50	44	%	%	NOUN
asfbr-556	50	45	of	of	ADP
asfbr-556	50	46	such	such	ADJ
asfbr-556	50	47	loan	loan	NOUN
asfbr-556	50	48	turn	turn	VERB
asfbr-556	50	49	bad	bad	ADJ
asfbr-556	50	50	and	and	CCONJ
asfbr-556	50	51	non	non	ADJ
asfbr-556	50	52	performing	perform	VERB
asfbr-556	50	53	to	to	PART
asfbr-556	50	54	achieve	achieve	VERB
asfbr-556	50	55	a	a	DET
asfbr-556	50	56	mean	mean	ADJ
asfbr-556	50	57	return	return	NOUN
asfbr-556	50	58	on	on	ADP
asfbr-556	50	59	asset	asset	NOUN
asfbr-556	50	60	of	of	ADP
asfbr-556	50	61	2.49	2.49	NUM
asfbr-556	50	62	the	the	DET
asfbr-556	50	63	maximum	maximum	ADJ
asfbr-556	50	64	npl	npl	NOUN
asfbr-556	50	65	during	during	ADP
asfbr-556	50	66	the	the	DET
asfbr-556	50	67	period	period	NOUN
asfbr-556	50	68	is	be	AUX
asfbr-556	50	69	37.25	37.25	NUM
asfbr-556	50	70	while	while	SCONJ
asfbr-556	50	71	the	the	DET
asfbr-556	50	72	minimum	minimum	NOUN
asfbr-556	50	73	npl	npl	NOUN
asfbr-556	50	74	is	be	AUX
asfbr-556	50	75	2.12	2.12	NUM
asfbr-556	50	76	.	.	PUNCT
asfbr-556	51	1	the	the	DET
asfbr-556	51	2	npl	npl	NOUN
asfbr-556	51	3	varies	vary	VERB
asfbr-556	51	4	from	from	ADP
asfbr-556	51	5	its	its	PRON
asfbr-556	51	6	mean	mean	NOUN
asfbr-556	51	7	by	by	ADP
asfbr-556	51	8	a	a	DET
asfbr-556	51	9	standard	standard	ADJ
asfbr-556	51	10	deviation	deviation	NOUN
asfbr-556	51	11	of	of	ADP
asfbr-556	51	12	9.64	9.64	NUM
asfbr-556	51	13	.	.	PUNCT
asfbr-556	51	14	3.1	3.1	NUM
asfbr-556	51	15	stationary	stationary	ADJ
asfbr-556	51	16	test	test	NOUN
asfbr-556	51	17	source	source	NOUN
asfbr-556	51	18	:	:	PUNCT
asfbr-556	51	19	authors	author	NOUN
asfbr-556	51	20	computation	computation	VERB
asfbr-556	51	21	e	e	NOUN
asfbr-556	51	22	-	-	NOUN
asfbr-556	51	23	view	view	VERB
asfbr-556	51	24	9.0	9.0	NUM
asfbr-556	51	25	the	the	DET
asfbr-556	51	26	result	result	NOUN
asfbr-556	51	27	above	above	ADV
asfbr-556	51	28	shows	show	VERB
asfbr-556	51	29	the	the	DET
asfbr-556	51	30	level	level	NOUN
asfbr-556	51	31	of	of	ADP
asfbr-556	51	32	stationary	stationary	NOUN
asfbr-556	51	33	of	of	ADP
asfbr-556	51	34	the	the	DET
asfbr-556	51	35	different	different	ADJ
asfbr-556	51	36	variables	variable	NOUN
asfbr-556	51	37	.	.	PUNCT
asfbr-556	52	1	the	the	DET
asfbr-556	52	2	table	table	NOUN
asfbr-556	52	3	shows	show	VERB
asfbr-556	52	4	that	that	SCONJ
asfbr-556	52	5	lnbcir	lnbcir	ADJ
asfbr-556	52	6	and	and	CCONJ
asfbr-556	52	7	lnroa	lnroa	NOUN
asfbr-556	52	8	are	be	AUX
asfbr-556	52	9	stationary	stationary	ADJ
asfbr-556	52	10	at	at	ADP
asfbr-556	52	11	levels	level	NOUN
asfbr-556	52	12	while	while	SCONJ
asfbr-556	52	13	lnnpl	lnnpl	PROPN
asfbr-556	52	14	,	,	PUNCT
asfbr-556	52	15	lnbcd	lnbcd	VERB
asfbr-556	52	16	and	and	CCONJ
asfbr-556	52	17	lntdp	lntdp	NOUN
asfbr-556	52	18	are	be	AUX
asfbr-556	52	19	stationary	stationary	ADJ
asfbr-556	52	20	at	at	ADP
asfbr-556	52	21	first	first	ADJ
asfbr-556	52	22	difference	difference	NOUN
asfbr-556	52	23	.	.	PUNCT
asfbr-556	53	1	since	since	SCONJ
asfbr-556	53	2	the	the	DET
asfbr-556	53	3	variables	variable	NOUN
asfbr-556	53	4	are	be	AUX
asfbr-556	53	5	stationary	stationary	ADJ
asfbr-556	53	6	at	at	ADP
asfbr-556	53	7	level	level	NOUN
asfbr-556	53	8	and	and	CCONJ
asfbr-556	53	9	first	first	ADJ
asfbr-556	53	10	difference	difference	NOUN
asfbr-556	53	11	we	we	PRON
asfbr-556	53	12	establish	establish	VERB
asfbr-556	53	13	the	the	DET
asfbr-556	53	14	presence	presence	NOUN
asfbr-556	53	15	of	of	ADP
asfbr-556	53	16	stationary	stationary	NOUN
asfbr-556	53	17	and	and	CCONJ
asfbr-556	53	18	adopt	adopt	VERB
asfbr-556	53	19	the	the	DET
asfbr-556	53	20	autoregressive	autoregressive	ADJ
asfbr-556	53	21	distributed	distribute	VERB
asfbr-556	53	22	lag	lag	NOUN
asfbr-556	53	23	model	model	NOUN
asfbr-556	53	24	(	(	PUNCT
asfbr-556	53	25	ardl	ardl	NOUN
asfbr-556	53	26	)	)	PUNCT
asfbr-556	53	27	.	.	PUNCT
asfbr-556	54	1	3.2	3.2	NUM
asfbr-556	54	2	ardl	ardl	NOUN
asfbr-556	54	3	bound	bind	VERB
asfbr-556	54	4	test	test	NOUN
asfbr-556	54	5	the	the	DET
asfbr-556	54	6	f	f	PROPN
asfbr-556	54	7	-	-	PUNCT
asfbr-556	54	8	statistics	statistic	NOUN
asfbr-556	54	9	calculated	calculate	VERB
asfbr-556	54	10	for	for	ADP
asfbr-556	54	11	all	all	DET
asfbr-556	54	12	underlined	underline	VERB
asfbr-556	54	13	variables	variable	NOUN
asfbr-556	54	14	fall	fall	VERB
asfbr-556	54	15	outside	outside	ADP
asfbr-556	54	16	the	the	DET
asfbr-556	54	17	critical	critical	ADJ
asfbr-556	54	18	bounds	bound	NOUN
asfbr-556	54	19	at	at	ADP
asfbr-556	54	20	the	the	DET
asfbr-556	54	21	1	1	NUM
asfbr-556	54	22	and	and	CCONJ
asfbr-556	54	23	5	5	NUM
asfbr-556	54	24	percent	percent	NOUN
asfbr-556	54	25	levels	level	NOUN
asfbr-556	54	26	of	of	ADP
asfbr-556	54	27	significance	significance	NOUN
asfbr-556	54	28	.	.	PUNCT
asfbr-556	55	1	the	the	DET
asfbr-556	55	2	calculated	calculated	ADJ
asfbr-556	55	3	f	f	NOUN
asfbr-556	55	4	-	-	PUNCT
asfbr-556	55	5	statistic	statistic	NOUN
asfbr-556	55	6	is	be	AUX
asfbr-556	55	7	higher	high	ADJ
asfbr-556	55	8	than	than	ADP
asfbr-556	55	9	the	the	DET
asfbr-556	55	10	upper	upper	ADJ
asfbr-556	55	11	bound	bind	VERB
asfbr-556	55	12	critical	critical	ADJ
asfbr-556	55	13	value	value	NOUN
asfbr-556	55	14	at	at	ADP
asfbr-556	55	15	99	99	NUM
asfbr-556	55	16	%	%	NOUN
asfbr-556	55	17	level	level	NOUN
asfbr-556	55	18	of	of	ADP
asfbr-556	55	19	significance	significance	NOUN
asfbr-556	55	20	,	,	PUNCT
asfbr-556	55	21	so	so	CCONJ
asfbr-556	55	22	there	there	PRON
asfbr-556	55	23	is	be	VERB
asfbr-556	55	24	need	need	NOUN
asfbr-556	55	25	to	to	PART
asfbr-556	55	26	reject	reject	VERB
asfbr-556	55	27	the	the	DET
asfbr-556	55	28	null	null	ADJ
asfbr-556	55	29	hypothesis	hypothesis	NOUN
asfbr-556	55	30	which	which	PRON
asfbr-556	55	31	states	state	VERB
asfbr-556	55	32	that	that	SCONJ
asfbr-556	55	33	there	there	PRON
asfbr-556	55	34	is	be	VERB
asfbr-556	55	35	no	no	DET
asfbr-556	55	36	cointegration	cointegration	NOUN
asfbr-556	55	37	,	,	PUNCT
asfbr-556	55	38	which	which	PRON
asfbr-556	55	39	suggests	suggest	VERB
asfbr-556	55	40	that	that	SCONJ
asfbr-556	55	41	the	the	DET
asfbr-556	55	42	variables	variable	NOUN
asfbr-556	55	43	under	under	ADP
asfbr-556	55	44	consideration	consideration	NOUN
asfbr-556	55	45	are	be	AUX
asfbr-556	55	46	cointegrated	cointegrate	VERB
asfbr-556	55	47	and	and	CCONJ
asfbr-556	55	48	they	they	PRON
asfbr-556	55	49	have	have	VERB
asfbr-556	55	50	the	the	DET
asfbr-556	55	51	long	long	ADV
asfbr-556	55	52	-	-	PUNCT
asfbr-556	55	53	run	run	NOUN
asfbr-556	55	54	relationship	relationship	NOUN
asfbr-556	55	55	hence	hence	ADV
asfbr-556	55	56	conclude	conclude	VERB
asfbr-556	55	57	that	that	SCONJ
asfbr-556	55	58	there	there	PRON
asfbr-556	55	59	exist	exist	VERB
asfbr-556	55	60	the	the	DET
asfbr-556	55	61	presence	presence	NOUN
asfbr-556	55	62	of	of	ADP
asfbr-556	55	63	long	long	ADJ
asfbr-556	55	64	run	run	NOUN
asfbr-556	55	65	relationship	relationship	NOUN
asfbr-556	55	66	among	among	ADP
asfbr-556	55	67	nonperforming	nonperforme	VERB
asfbr-556	55	68	loan	loan	NOUN
asfbr-556	55	69	and	and	CCONJ
asfbr-556	55	70	the	the	DET
asfbr-556	55	71	performance	performance	NOUN
asfbr-556	55	72	of	of	ADP
asfbr-556	55	73	deposit	deposit	NOUN
asfbr-556	55	74	money	money	NOUN
asfbr-556	55	75	bank	bank	PROPN
asfbr-556	55	76	in	in	ADP
asfbr-556	55	77	nigeria	nigeria	PROPN
asfbr-556	55	78	.	.	PUNCT
asfbr-556	56	1	short	short	ADJ
asfbr-556	56	2	run	run	NOUN
asfbr-556	56	3	and	and	CCONJ
asfbr-556	56	4	long	long	ADJ
asfbr-556	56	5	run	run	NOUN
asfbr-556	56	6	estimate	estimate	NOUN
asfbr-556	56	7	cointeq	cointeq	NOUN
asfbr-556	56	8	=	=	SYM
asfbr-556	56	9	lnroa	lnroa	PROPN
asfbr-556	56	10	(	(	PUNCT
asfbr-556	56	11	-0.0198*lntdp	-0.0198*lntdp	PROPN
asfbr-556	56	12	+	+	CCONJ
asfbr-556	56	13	0.0916*lnbcd	0.0916*lnbcd	NUM
asfbr-556	57	1	-0.8877*lnbcir	-0.8877*lnbcir	NOUN
asfbr-556	58	1	+0.2239*lnnpl	+0.2239*lnnpl	NOUN
asfbr-556	58	2	+	+	CCONJ
asfbr-556	58	3	1.5775	1.5775	NUM
asfbr-556	58	4	)	)	PUNCT
asfbr-556	58	5	long	long	ADJ
asfbr-556	58	6	run	run	NOUN
asfbr-556	58	7	coefficients	coefficient	NOUN
asfbr-556	58	8	variable	variable	ADJ
asfbr-556	58	9	coefficient	coefficient	NOUN
asfbr-556	58	10	std	std	NOUN
asfbr-556	58	11	.	.	NOUN
asfbr-556	58	12	error	error	NOUN
asfbr-556	58	13	t	t	NOUN
asfbr-556	58	14	-	-	PUNCT
asfbr-556	58	15	statistic	statistic	NOUN
asfbr-556	58	16	prob	prob	NOUN
asfbr-556	58	17	.	.	PUNCT
asfbr-556	59	1	lntdp	lntdp	PROPN
asfbr-556	59	2	-0.019837	-0.019837	X
asfbr-556	59	3	0.171690	0.171690	NUM
asfbr-556	59	4	-0.115543	-0.115543	NOUN
asfbr-556	59	5	0.9092	0.9092	NUM
asfbr-556	59	6	lnbcd	lnbcd	VERB
asfbr-556	59	7	0.091566	0.091566	NUM
asfbr-556	59	8	0.483005	0.483005	NUM
asfbr-556	59	9	0.189577	0.189577	NUM
asfbr-556	59	10	0.8516	0.8516	NUM
asfbr-556	59	11	lnbcir	lnbcir	DET
asfbr-556	59	12	-0.887740	-0.887740	NOUN
asfbr-556	59	13	0.997051	0.997051	NUM
asfbr-556	59	14	-0.890366	-0.890366	NOUN
asfbr-556	59	15	0.3839	0.3839	NUM
asfbr-556	59	16	variables	variable	NOUN
asfbr-556	59	17	adf	adf	PROPN
asfbr-556	59	18	statistics	statistic	NOUN
asfbr-556	59	19	1	1	NUM
asfbr-556	59	20	%	%	NOUN
asfbr-556	59	21	5	5	NUM
asfbr-556	59	22	%	%	NOUN
asfbr-556	59	23	10	10	NUM
asfbr-556	59	24	%	%	NOUN
asfbr-556	59	25	probability	probability	NOUN
asfbr-556	59	26	decision	decision	NOUN
asfbr-556	59	27	lnroa	lnroa	NOUN
asfbr-556	59	28	-5.181152	-5.181152	PROPN
asfbr-556	59	29	-3.653730	-3.653730	PUNCT
asfbr-556	60	1	-2.957110	-2.957110	PROPN
asfbr-556	60	2	-2.617434	-2.617434	PROPN
asfbr-556	60	3	0.0002	0.0002	NUM
asfbr-556	60	4	1(0	1(0	NUM
asfbr-556	60	5	)	)	PUNCT
asfbr-556	60	6	lnnpl	lnnpl	PROPN
asfbr-556	60	7	-5.325477	-5.325477	PROPN
asfbr-556	60	8	-3.724070	-3.724070	PROPN
asfbr-556	60	9	-2.986225	-2.986225	PUNCT
asfbr-556	61	1	-2.632604	-2.632604	VERB
asfbr-556	61	2	0.0001	0.0001	NUM
asfbr-556	61	3	1(1	1(1	NUM
asfbr-556	61	4	)	)	PUNCT
asfbr-556	61	5	lnbcd	lnbcd	PROPN
asfbr-556	61	6	-3.208560	-3.208560	NOUN
asfbr-556	61	7	-3.724070	-3.724070	PROPN
asfbr-556	61	8	-2.986225	-2.986225	PUNCT
asfbr-556	61	9	-2.632604	-2.632604	VERB
asfbr-556	61	10	0.0314	0.0314	NUM
asfbr-556	61	11	1(1	1(1	NUM
asfbr-556	61	12	)	)	PUNCT
asfbr-556	61	13	lntdp	lntdp	NOUN
asfbr-556	61	14	-3.173502	-3.173502	X
asfbr-556	61	15	-3.724070	-3.724070	PROPN
asfbr-556	62	1	-2.986225	-2.986225	PUNCT
asfbr-556	62	2	-2.632604	-2.632604	VERB
asfbr-556	63	1	0.0317	0.0317	NUM
asfbr-556	63	2	1(1	1(1	NUM
asfbr-556	63	3	)	)	PUNCT
asfbr-556	63	4	lnbcir	lnbcir	PROPN
asfbr-556	63	5	-3.745093	-3.745093	NOUN
asfbr-556	63	6	-3.653730	-3.653730	PUNCT
asfbr-556	63	7	-2.957110	-2.957110	PROPN
asfbr-556	63	8	-2.617434	-2.617434	PROPN
asfbr-556	63	9	0.0080	0.0080	NUM
asfbr-556	63	10	1(0	1(0	NUM
asfbr-556	63	11	)	)	PUNCT
asfbr-556	63	12	null	null	ADJ
asfbr-556	63	13	hypothesis	hypothesis	NOUN
asfbr-556	63	14	:	:	PUNCT
asfbr-556	63	15	no	no	DET
asfbr-556	63	16	long	long	ADV
asfbr-556	63	17	-	-	PUNCT
asfbr-556	63	18	run	run	NOUN
asfbr-556	63	19	relationships	relationship	NOUN
asfbr-556	63	20	exist	exist	VERB
asfbr-556	63	21	test	test	NOUN
asfbr-556	63	22	statistic	statistic	NOUN
asfbr-556	63	23	value	value	NOUN
asfbr-556	64	1	k	k	PROPN
asfbr-556	64	2	f	f	X
asfbr-556	64	3	-	-	PUNCT
asfbr-556	64	4	statistic	statistic	ADJ
asfbr-556	64	5	8.587291	8.587291	NUM
asfbr-556	64	6	4	4	NUM
asfbr-556	64	7	critical	critical	ADJ
asfbr-556	64	8	value	value	NOUN
asfbr-556	64	9	bounds	bound	NOUN
asfbr-556	64	10	significance	significance	NOUN
asfbr-556	64	11	i0	i0	PROPN
asfbr-556	64	12	bound	bind	VERB
asfbr-556	64	13	i1	i1	PROPN
asfbr-556	64	14	bound	bind	VERB
asfbr-556	64	15	10	10	NUM
asfbr-556	64	16	%	%	NOUN
asfbr-556	64	17	2.45	2.45	NUM
asfbr-556	64	18	3.52	3.52	NUM
asfbr-556	64	19	5	5	NUM
asfbr-556	64	20	%	%	NOUN
asfbr-556	64	21	2.86	2.86	NUM
asfbr-556	64	22	4.01	4.01	NUM
asfbr-556	64	23	2.5	2.5	NUM
asfbr-556	64	24	%	%	NOUN
asfbr-556	64	25	3.25	3.25	NUM
asfbr-556	64	26	4.49	4.49	NUM
asfbr-556	64	27	1	1	NUM
asfbr-556	64	28	%	%	NOUN
asfbr-556	64	29	3.74	3.74	NUM
asfbr-556	64	30	5.06	5.06	NUM
asfbr-556	64	31	copyright	copyright	NOUN
asfbr-556	64	32	©	©	PROPN
asfbr-556	64	33	cc	cc	PROPN
asfbr-556	64	34	-	-	PUNCT
asfbr-556	64	35	by	by	ADP
asfbr-556	64	36	-	-	PUNCT
asfbr-556	64	37	nc	nc	PROPN
asfbr-556	64	38	2020	2020	NUM
asfbr-556	64	39	,	,	PUNCT
asfbr-556	64	40	cribfb	cribfb	VERB
asfbr-556	65	1	|	|	ADV
asfbr-556	65	2	asfbr	asfbr	NOUN
asfbr-556	65	3	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-556	65	4	asian	asian	ADJ
asfbr-556	65	5	finance	finance	PROPN
asfbr-556	65	6	&	&	CCONJ
asfbr-556	65	7	banking	banking	PROPN
asfbr-556	65	8	review	review	PROPN
asfbr-556	65	9	vol	vol	NOUN
asfbr-556	65	10	.	.	PROPN
asfbr-556	66	1	4	4	NUM
asfbr-556	66	2	,	,	PUNCT
asfbr-556	66	3	no	no	INTJ
asfbr-556	66	4	.	.	NOUN
asfbr-556	66	5	1	1	NUM
asfbr-556	66	6	;	;	PUNCT
asfbr-556	66	7	2020	2020	NUM
asfbr-556	66	8	20	20	NUM
asfbr-556	66	9	lnnpl	lnnpl	NOUN
asfbr-556	66	10	-0.223905	-0.223905	VERB
asfbr-556	66	11	0.077448	0.077448	NUM
asfbr-556	66	12	-2.891041	-2.891041	NOUN
asfbr-556	66	13	0.0090	0.0090	NUM
asfbr-556	66	14	c	c	NOUN
asfbr-556	66	15	1.577451	1.577451	NUM
asfbr-556	66	16	2.177796	2.177796	NUM
asfbr-556	66	17	0.724334	0.724334	NUM
asfbr-556	66	18	0.4772	0.4772	NUM
asfbr-556	66	19	ecm	ecm	NOUN
asfbr-556	66	20	-1.776328	-1.776328	NOUN
asfbr-556	66	21	0.308669	0.308669	NUM
asfbr-556	66	22	-5.754791	-5.754791	NOUN
asfbr-556	67	1	0.0000	0.0000	NUM
asfbr-556	67	2	`	`	PUNCT
asfbr-556	67	3	the	the	DET
asfbr-556	67	4	result	result	NOUN
asfbr-556	67	5	above	above	ADV
asfbr-556	67	6	shows	show	VERB
asfbr-556	67	7	the	the	DET
asfbr-556	67	8	long	long	ADJ
asfbr-556	67	9	run	run	ADJ
asfbr-556	67	10	estimate	estimate	NOUN
asfbr-556	67	11	of	of	ADP
asfbr-556	67	12	the	the	DET
asfbr-556	67	13	variables	variable	NOUN
asfbr-556	67	14	.	.	PUNCT
asfbr-556	68	1	the	the	DET
asfbr-556	68	2	tables	table	NOUN
asfbr-556	68	3	show	show	VERB
asfbr-556	68	4	that	that	SCONJ
asfbr-556	68	5	only	only	ADV
asfbr-556	68	6	non	non	ADJ
asfbr-556	68	7	-	-	ADJ
asfbr-556	68	8	performing	perform	VERB
asfbr-556	68	9	loan	loan	NOUN
asfbr-556	68	10	has	have	VERB
asfbr-556	68	11	significant	significant	ADJ
asfbr-556	68	12	effect	effect	NOUN
asfbr-556	68	13	on	on	ADP
asfbr-556	68	14	bank	bank	NOUN
asfbr-556	68	15	performance	performance	NOUN
asfbr-556	68	16	in	in	ADP
asfbr-556	68	17	the	the	DET
asfbr-556	68	18	long	long	ADJ
asfbr-556	68	19	run	run	NOUN
asfbr-556	68	20	.	.	PUNCT
asfbr-556	69	1	this	this	PRON
asfbr-556	69	2	might	might	AUX
asfbr-556	69	3	be	be	AUX
asfbr-556	69	4	due	due	ADJ
asfbr-556	69	5	to	to	ADP
asfbr-556	69	6	the	the	DET
asfbr-556	69	7	fact	fact	NOUN
asfbr-556	69	8	that	that	SCONJ
asfbr-556	69	9	the	the	DET
asfbr-556	69	10	amount	amount	NOUN
asfbr-556	69	11	of	of	ADP
asfbr-556	69	12	nonperforming	nonperforming	ADJ
asfbr-556	69	13	loan	loan	NOUN
asfbr-556	69	14	measures	measure	NOUN
asfbr-556	69	15	the	the	DET
asfbr-556	69	16	quality	quality	NOUN
asfbr-556	69	17	of	of	ADP
asfbr-556	69	18	bank	bank	NOUN
asfbr-556	69	19	assets	asset	NOUN
asfbr-556	69	20	(	(	PUNCT
asfbr-556	69	21	tseganesh	tseganesh	NOUN
asfbr-556	69	22	,	,	PUNCT
asfbr-556	69	23	2012	2012	NUM
asfbr-556	69	24	)	)	PUNCT
asfbr-556	69	25	.	.	PUNCT
asfbr-556	70	1	the	the	DET
asfbr-556	70	2	effect	effect	NOUN
asfbr-556	70	3	of	of	ADP
asfbr-556	70	4	non	non	ADJ
asfbr-556	70	5	-	-	NOUN
asfbr-556	70	6	payment	payment	NOUN
asfbr-556	70	7	of	of	ADP
asfbr-556	70	8	due	due	ADJ
asfbr-556	70	9	debts	debt	NOUN
asfbr-556	70	10	on	on	ADP
asfbr-556	70	11	banks‟	banks‟	ADP
asfbr-556	70	12	profitability	profitability	NOUN
asfbr-556	70	13	can	can	AUX
asfbr-556	70	14	be	be	AUX
asfbr-556	70	15	identified	identify	VERB
asfbr-556	70	16	with	with	ADP
asfbr-556	70	17	a	a	DET
asfbr-556	70	18	possible	possible	ADJ
asfbr-556	70	19	bank	bank	NOUN
asfbr-556	70	20	failure	failure	NOUN
asfbr-556	70	21	,	,	PUNCT
asfbr-556	70	22	barrier	barrier	NOUN
asfbr-556	70	23	to	to	ADP
asfbr-556	70	24	further	further	ADJ
asfbr-556	70	25	lending	lending	NOUN
asfbr-556	70	26	,	,	PUNCT
asfbr-556	70	27	reduction	reduction	NOUN
asfbr-556	70	28	in	in	ADP
asfbr-556	70	29	profit	profit	NOUN
asfbr-556	70	30	level	level	NOUN
asfbr-556	70	31	and	and	CCONJ
asfbr-556	70	32	negative	negative	ADJ
asfbr-556	70	33	economic	economic	ADJ
asfbr-556	70	34	growth	growth	NOUN
asfbr-556	70	35	in	in	ADP
asfbr-556	70	36	the	the	DET
asfbr-556	70	37	society	society	NOUN
asfbr-556	70	38	.	.	PUNCT
asfbr-556	71	1	hence	hence	ADV
asfbr-556	71	2	a	a	DET
asfbr-556	71	3	unit	unit	NOUN
asfbr-556	71	4	percentage	percentage	NOUN
asfbr-556	71	5	increase	increase	NOUN
asfbr-556	71	6	in	in	ADP
asfbr-556	71	7	non	non	ADJ
asfbr-556	71	8	-	-	ADJ
asfbr-556	71	9	performing	perform	VERB
asfbr-556	71	10	loan	loan	NOUN
asfbr-556	71	11	will	will	AUX
asfbr-556	71	12	lead	lead	VERB
asfbr-556	71	13	to	to	ADP
asfbr-556	71	14	22	22	NUM
asfbr-556	71	15	%	%	NOUN
asfbr-556	71	16	reduction	reduction	NOUN
asfbr-556	71	17	in	in	ADP
asfbr-556	71	18	the	the	DET
asfbr-556	71	19	return	return	NOUN
asfbr-556	71	20	of	of	ADP
asfbr-556	71	21	asset	asset	NOUN
asfbr-556	71	22	in	in	ADP
asfbr-556	71	23	the	the	DET
asfbr-556	71	24	long	long	ADJ
asfbr-556	71	25	run	run	NOUN
asfbr-556	71	26	.	.	PUNCT
asfbr-556	72	1	short	short	ADJ
asfbr-556	72	2	run	run	NOUN
asfbr-556	72	3	coefficient	coefficient	NOUN
asfbr-556	72	4	equation	equation	NOUN
asfbr-556	72	5	:	:	PUNCT
asfbr-556	72	6	error	error	NOUN
asfbr-556	72	7	correction	correction	NOUN
asfbr-556	72	8	model	model	VERB
asfbr-556	72	9	short	short	ADJ
asfbr-556	72	10	run	run	NOUN
asfbr-556	72	11	coefficients	coefficient	NOUN
asfbr-556	72	12	variable	variable	ADJ
asfbr-556	72	13	coefficient	coefficient	NOUN
asfbr-556	72	14	std	std	NOUN
asfbr-556	72	15	.	.	NOUN
asfbr-556	72	16	error	error	NOUN
asfbr-556	72	17	t	t	NOUN
asfbr-556	72	18	-	-	PUNCT
asfbr-556	72	19	statistic	statistic	NOUN
asfbr-556	72	20	lntdp	lntdp	NOUN
asfbr-556	72	21	0.024720	0.024720	NUM
asfbr-556	72	22	0.08119	0.08119	NUM
asfbr-556	72	23	0.30447	0.30447	NUM
asfbr-556	72	24	lnbcd	lnbcd	ADJ
asfbr-556	72	25	-0.010515	-0.010515	NOUN
asfbr-556	72	26	0.02432	0.02432	NUM
asfbr-556	72	27	-0.4323	-0.4323	NOUN
asfbr-556	72	28	lnbcir	lnbcir	PRON
asfbr-556	72	29	-0.021908	-0.021908	NOUN
asfbr-556	73	1	0.04150	0.04150	NUM
asfbr-556	73	2	-0.52797	-0.52797	NOUN
asfbr-556	73	3	lnnpl	lnnpl	INTJ
asfbr-556	73	4	-0.597116	-0.597116	PROPN
asfbr-556	73	5	0.27759	0.27759	NUM
asfbr-556	73	6	-2.15106	-2.15106	NOUN
asfbr-556	74	1	c	c	NOUN
asfbr-556	74	2	-0.009	-0.009	PUNCT
asfbr-556	75	1	0.03255	0.03255	NUM
asfbr-556	75	2	-0.277	-0.277	NOUN
asfbr-556	75	3	r	r	NOUN
asfbr-556	75	4	-	-	PUNCT
asfbr-556	75	5	squared	square	VERB
asfbr-556	75	6	=	=	PROPN
asfbr-556	75	7	0.471269	0.471269	NUM
asfbr-556	75	8	adj	adj	NOUN
asfbr-556	75	9	.	.	PUNCT
asfbr-556	75	10	r2	r2	PROPN
asfbr-556	75	11	=	=	PUNCT
asfbr-556	75	12	0.233	0.233	NUM
asfbr-556	75	13	durbin	durbin	ADJ
asfbr-556	75	14	watson=	watson=	NUM
asfbr-556	75	15	1.84	1.84	NUM
asfbr-556	75	16	source	source	NOUN
asfbr-556	75	17	:	:	PUNCT
asfbr-556	75	18	authors	author	NOUN
asfbr-556	75	19	computation	computation	VERB
asfbr-556	75	20	from	from	ADP
asfbr-556	75	21	eview	eview	PROPN
asfbr-556	75	22	9.0	9.0	NUM
asfbr-556	75	23	the	the	DET
asfbr-556	75	24	short	short	ADJ
asfbr-556	75	25	-	-	PUNCT
asfbr-556	75	26	run	run	NOUN
asfbr-556	75	27	dynamics	dynamic	NOUN
asfbr-556	75	28	among	among	ADP
asfbr-556	75	29	the	the	DET
asfbr-556	75	30	variables	variable	NOUN
asfbr-556	75	31	are	be	AUX
asfbr-556	75	32	explored	explore	VERB
asfbr-556	75	33	by	by	ADP
asfbr-556	75	34	employing	employ	VERB
asfbr-556	75	35	error	error	NOUN
asfbr-556	75	36	correction	correction	NOUN
asfbr-556	75	37	mechanism	mechanism	NOUN
asfbr-556	75	38	(	(	PUNCT
asfbr-556	75	39	ecm	ecm	PROPN
asfbr-556	75	40	)	)	PUNCT
asfbr-556	75	41	.	.	PUNCT
asfbr-556	76	1	error	error	NOUN
asfbr-556	76	2	correction	correction	NOUN
asfbr-556	76	3	model	model	NOUN
asfbr-556	76	4	explains	explain	VERB
asfbr-556	76	5	the	the	DET
asfbr-556	76	6	speed	speed	NOUN
asfbr-556	76	7	of	of	ADP
asfbr-556	76	8	adjustment	adjustment	NOUN
asfbr-556	76	9	in	in	ADP
asfbr-556	76	10	restoring	restore	VERB
asfbr-556	76	11	the	the	DET
asfbr-556	76	12	equilibrium	equilibrium	NOUN
asfbr-556	76	13	in	in	ADP
asfbr-556	76	14	the	the	DET
asfbr-556	76	15	dynamic	dynamic	ADJ
asfbr-556	76	16	model	model	NOUN
asfbr-556	76	17	with	with	ADP
asfbr-556	76	18	a	a	DET
asfbr-556	76	19	negative	negative	ADJ
asfbr-556	76	20	sign	sign	NOUN
asfbr-556	76	21	.	.	PUNCT
asfbr-556	77	1	bannerjee	bannerjee	NOUN
asfbr-556	77	2	,	,	PUNCT
asfbr-556	77	3	dolado	dolado	NOUN
asfbr-556	77	4	,	,	PUNCT
asfbr-556	77	5	and	and	CCONJ
asfbr-556	77	6	mestre	mestre	NOUN
asfbr-556	77	7	(	(	PUNCT
asfbr-556	77	8	1998	1998	NUM
asfbr-556	77	9	)	)	PUNCT
asfbr-556	77	10	also	also	ADV
asfbr-556	77	11	observe	observe	VERB
asfbr-556	77	12	that	that	SCONJ
asfbr-556	77	13	a	a	DET
asfbr-556	77	14	significant	significant	ADJ
asfbr-556	77	15	ecm	ecm	NOUN
asfbr-556	77	16	is	be	AUX
asfbr-556	77	17	evidence	evidence	NOUN
asfbr-556	77	18	that	that	SCONJ
asfbr-556	77	19	a	a	DET
asfbr-556	77	20	stable	stable	ADJ
asfbr-556	77	21	long	long	ADJ
asfbr-556	77	22	-	-	PUNCT
asfbr-556	77	23	term	term	NOUN
asfbr-556	77	24	relationship	relationship	NOUN
asfbr-556	77	25	exists	exist	VERB
asfbr-556	77	26	.	.	PUNCT
asfbr-556	78	1	table	table	NOUN
asfbr-556	78	2	above	above	ADV
asfbr-556	78	3	shows	show	VERB
asfbr-556	78	4	the	the	DET
asfbr-556	78	5	result	result	NOUN
asfbr-556	78	6	of	of	ADP
asfbr-556	78	7	ecm	ecm	NOUN
asfbr-556	78	8	in	in	ADP
asfbr-556	78	9	terms	term	NOUN
asfbr-556	78	10	of	of	ADP
asfbr-556	78	11	changes	change	NOUN
asfbr-556	78	12	in	in	ADP
asfbr-556	78	13	return	return	NOUN
asfbr-556	78	14	on	on	ADP
asfbr-556	78	15	asset	asset	NOUN
asfbr-556	78	16	to	to	PART
asfbr-556	78	17	change	change	VERB
asfbr-556	78	18	in	in	ADP
asfbr-556	78	19	other	other	ADJ
asfbr-556	78	20	variables	variable	NOUN
asfbr-556	78	21	.	.	PUNCT
asfbr-556	79	1	the	the	DET
asfbr-556	79	2	magnitude	magnitude	NOUN
asfbr-556	79	3	of	of	ADP
asfbr-556	79	4	the	the	DET
asfbr-556	79	5	ect	ect	ADJ
asfbr-556	79	6	coefficient	coefficient	NOUN
asfbr-556	79	7	of	of	ADP
asfbr-556	79	8	-1.77	-1.77	NUM
asfbr-556	79	9	at	at	ADP
asfbr-556	79	10	5	5	NUM
asfbr-556	79	11	percent	percent	NOUN
asfbr-556	79	12	level	level	NOUN
asfbr-556	79	13	of	of	ADP
asfbr-556	79	14	significance	significance	NOUN
asfbr-556	79	15	shows	show	VERB
asfbr-556	79	16	that	that	SCONJ
asfbr-556	79	17	the	the	DET
asfbr-556	79	18	speed	speed	NOUN
asfbr-556	79	19	of	of	ADP
asfbr-556	79	20	adjustment	adjustment	NOUN
asfbr-556	79	21	towards	towards	ADP
asfbr-556	79	22	long	long	ADV
asfbr-556	79	23	-	-	PUNCT
asfbr-556	79	24	run	run	VERB
asfbr-556	79	25	equilibrium	equilibrium	NOUN
asfbr-556	79	26	is	be	AUX
asfbr-556	79	27	very	very	ADV
asfbr-556	79	28	high	high	ADJ
asfbr-556	79	29	,	,	PUNCT
asfbr-556	79	30	that	that	ADV
asfbr-556	79	31	is	is	ADV
asfbr-556	79	32	,	,	PUNCT
asfbr-556	79	33	there	there	PRON
asfbr-556	79	34	is	be	VERB
asfbr-556	79	35	177	177	NUM
asfbr-556	79	36	percent	percent	NOUN
asfbr-556	79	37	increase	increase	NOUN
asfbr-556	79	38	over	over	ADP
asfbr-556	79	39	the	the	DET
asfbr-556	79	40	previous	previous	ADJ
asfbr-556	79	41	year	year	NOUN
asfbr-556	79	42	.	.	PUNCT
asfbr-556	80	1	the	the	DET
asfbr-556	80	2	short	short	ADJ
asfbr-556	80	3	run	run	NOUN
asfbr-556	80	4	dynamics	dynamic	NOUN
asfbr-556	80	5	further	far	ADV
asfbr-556	80	6	affirm	affirm	VERB
asfbr-556	80	7	the	the	DET
asfbr-556	80	8	long	long	ADJ
asfbr-556	80	9	run	run	NOUN
asfbr-556	80	10	relationship	relationship	NOUN
asfbr-556	80	11	that	that	PRON
asfbr-556	80	12	bank	bank	NOUN
asfbr-556	80	13	credit	credit	NOUN
asfbr-556	80	14	ratio	ratio	NOUN
asfbr-556	80	15	to	to	ADP
asfbr-556	80	16	total	total	ADJ
asfbr-556	80	17	deposit	deposit	NOUN
asfbr-556	80	18	bcd	bcd	PROPN
asfbr-556	80	19	,	,	PUNCT
asfbr-556	80	20	total	total	ADJ
asfbr-556	80	21	financial	financial	ADJ
asfbr-556	80	22	system	system	NOUN
asfbr-556	80	23	deposit	deposit	NOUN
asfbr-556	80	24	and	and	CCONJ
asfbr-556	80	25	bank	bank	NOUN
asfbr-556	80	26	cost	cost	NOUN
asfbr-556	80	27	to	to	ADP
asfbr-556	80	28	income	income	NOUN
asfbr-556	80	29	ratio	ratio	NOUN
asfbr-556	80	30	has	have	VERB
asfbr-556	80	31	no	no	DET
asfbr-556	80	32	significant	significant	ADJ
asfbr-556	80	33	impact	impact	NOUN
asfbr-556	80	34	on	on	ADP
asfbr-556	80	35	the	the	DET
asfbr-556	80	36	return	return	NOUN
asfbr-556	80	37	on	on	ADP
asfbr-556	80	38	asset	asset	NOUN
asfbr-556	80	39	in	in	ADP
asfbr-556	80	40	the	the	DET
asfbr-556	80	41	short	short	ADJ
asfbr-556	80	42	run	run	NOUN
asfbr-556	80	43	also	also	ADV
asfbr-556	80	44	but	but	CCONJ
asfbr-556	80	45	only	only	ADV
asfbr-556	80	46	the	the	DET
asfbr-556	80	47	non	non	ADJ
asfbr-556	80	48	-	-	ADJ
asfbr-556	80	49	performing	performing	ADJ
asfbr-556	80	50	loan	loan	NOUN
asfbr-556	80	51	exhibited	exhibit	VERB
asfbr-556	80	52	a	a	DET
asfbr-556	80	53	negative	negative	ADJ
asfbr-556	80	54	significant	significant	ADJ
asfbr-556	80	55	impact	impact	NOUN
asfbr-556	80	56	on	on	ADP
asfbr-556	80	57	return	return	NOUN
asfbr-556	80	58	on	on	ADP
asfbr-556	80	59	asset	asset	NOUN
asfbr-556	80	60	.	.	PUNCT
asfbr-556	81	1	diagnostic	diagnostic	ADJ
asfbr-556	81	2	test	test	NOUN
asfbr-556	81	3	test	test	NOUN
asfbr-556	81	4	f	f	PROPN
asfbr-556	81	5	statistics	statistic	NOUN
asfbr-556	81	6	probability	probability	VERB
asfbr-556	81	7	breusch	breusch	NOUN
asfbr-556	81	8	-	-	PUNCT
asfbr-556	81	9	godfrey	godfrey	NOUN
asfbr-556	81	10	serial	serial	ADJ
asfbr-556	81	11	correlation	correlation	NOUN
asfbr-556	81	12	lm	lm	INTJ
asfbr-556	81	13	test	test	NOUN
asfbr-556	81	14	3.648037	3.648037	NUM
asfbr-556	81	15	0.00000	0.00000	NUM
asfbr-556	81	16	heteroscedasticity(arch	heteroscedasticity(arch	PROPN
asfbr-556	81	17	)	)	PUNCT
asfbr-556	81	18	17.3412	17.3412	NUM
asfbr-556	81	19	f	f	PROPN
asfbr-556	81	20	1,28	1,28	NUM
asfbr-556	81	21	)	)	PUNCT
asfbr-556	81	22	0.0096	0.0096	NUM
asfbr-556	82	1	heteroscedasticity(breuschpagangodfrey	heteroscedasticity(breuschpagangodfrey	PROPN
asfbr-556	82	2	20.84385	20.84385	NUM
asfbr-556	82	3	0.0468	0.0468	NUM
asfbr-556	82	4	normality	normality	NOUN
asfbr-556	82	5	test	test	NOUN
asfbr-556	82	6	(	(	PUNCT
asfbr-556	82	7	jarquebera	jarquebera	NOUN
asfbr-556	82	8	)	)	PUNCT
asfbr-556	82	9	117.58	117.58	NUM
asfbr-556	82	10	0.00000	0.00000	NUM
asfbr-556	82	11	source	source	NOUN
asfbr-556	82	12	:	:	PUNCT
asfbr-556	82	13	authors	author	NOUN
asfbr-556	82	14	computation	computation	VERB
asfbr-556	82	15	from	from	ADP
asfbr-556	82	16	eview	eview	PROPN
asfbr-556	82	17	9.0	9.0	NUM
asfbr-556	82	18	diagnostic	diagnostic	ADJ
asfbr-556	82	19	tests	test	NOUN
asfbr-556	82	20	such	such	ADJ
asfbr-556	82	21	as	as	ADP
asfbr-556	82	22	breuschgodfrey	breuschgodfrey	PROPN
asfbr-556	82	23	serial	serial	ADJ
asfbr-556	82	24	correlation	correlation	NOUN
asfbr-556	82	25	lm	lm	X
asfbr-556	82	26	test	test	NOUN
asfbr-556	82	27	,	,	PUNCT
asfbr-556	82	28	breusch	breusch	PROPN
asfbr-556	82	29	-	-	PUNCT
asfbr-556	82	30	pagan	pagan	ADJ
asfbr-556	82	31	-	-	PUNCT
asfbr-556	82	32	godfrey	godfrey	NOUN
asfbr-556	82	33	heteroskedasticity	heteroskedasticity	NOUN
asfbr-556	82	34	test	test	NOUN
asfbr-556	82	35	and	and	CCONJ
asfbr-556	82	36	jacque	jacque	ADJ
asfbr-556	82	37	-	-	PUNCT
asfbr-556	82	38	bera	bera	NOUN
asfbr-556	82	39	normality	normality	NOUN
asfbr-556	82	40	test	test	NOUN
asfbr-556	82	41	.	.	PUNCT
asfbr-556	83	1	these	these	DET
asfbr-556	83	2	tests	test	NOUN
asfbr-556	83	3	show	show	VERB
asfbr-556	83	4	that	that	SCONJ
asfbr-556	83	5	there	there	PRON
asfbr-556	83	6	is	be	VERB
asfbr-556	83	7	no	no	DET
asfbr-556	83	8	serial	serial	ADJ
asfbr-556	83	9	correlation	correlation	NOUN
asfbr-556	83	10	,	,	PUNCT
asfbr-556	83	11	presence	presence	NOUN
asfbr-556	83	12	of	of	ADP
asfbr-556	83	13	homoscedastic	homoscedastic	ADJ
asfbr-556	83	14	and	and	CCONJ
asfbr-556	83	15	normal	normal	ADJ
asfbr-556	83	16	distribution	distribution	NOUN
asfbr-556	83	17	.	.	PUNCT
asfbr-556	84	1	hence	hence	ADV
asfbr-556	84	2	,	,	PUNCT
asfbr-556	84	3	the	the	DET
asfbr-556	84	4	model	model	NOUN
asfbr-556	84	5	is	be	AUX
asfbr-556	84	6	line	line	NOUN
asfbr-556	84	7	with	with	ADP
asfbr-556	84	8	the	the	DET
asfbr-556	84	9	econometric	econometric	ADJ
asfbr-556	84	10	properties	property	NOUN
asfbr-556	84	11	and	and	CCONJ
asfbr-556	84	12	the	the	DET
asfbr-556	84	13	results	result	NOUN
asfbr-556	84	14	are	be	AUX
asfbr-556	84	15	suitable	suitable	ADJ
asfbr-556	84	16	for	for	ADP
asfbr-556	84	17	reliable	reliable	ADJ
asfbr-556	84	18	interpretation	interpretation	NOUN
asfbr-556	84	19	and	and	CCONJ
asfbr-556	84	20	policy	policy	NOUN
asfbr-556	84	21	implication	implication	NOUN
asfbr-556	84	22	.	.	PUNCT
asfbr-556	85	1	3.3	3.3	NUM
asfbr-556	85	2	impulse	impulse	ADJ
asfbr-556	85	3	response	response	NOUN
asfbr-556	85	4	function	function	NOUN
asfbr-556	85	5	this	this	PRON
asfbr-556	85	6	describes	describe	VERB
asfbr-556	85	7	the	the	DET
asfbr-556	85	8	evolution	evolution	NOUN
asfbr-556	85	9	of	of	ADP
asfbr-556	85	10	a	a	DET
asfbr-556	85	11	model	model	NOUN
asfbr-556	85	12	’s	’s	PART
asfbr-556	85	13	variables	variable	NOUN
asfbr-556	85	14	in	in	ADP
asfbr-556	85	15	reaction	reaction	NOUN
asfbr-556	85	16	to	to	ADP
asfbr-556	85	17	a	a	DET
asfbr-556	85	18	shock	shock	NOUN
asfbr-556	85	19	in	in	ADP
asfbr-556	85	20	one	one	NUM
asfbr-556	85	21	or	or	CCONJ
asfbr-556	85	22	more	more	ADJ
asfbr-556	85	23	variables	variable	NOUN
asfbr-556	85	24	.	.	PUNCT
asfbr-556	86	1	this	this	DET
asfbr-556	86	2	feature	feature	NOUN
asfbr-556	86	3	allows	allow	VERB
asfbr-556	86	4	tracing	trace	VERB
asfbr-556	86	5	the	the	DET
asfbr-556	86	6	transmission	transmission	NOUN
asfbr-556	86	7	of	of	ADP
asfbr-556	86	8	a	a	DET
asfbr-556	86	9	single	single	ADJ
asfbr-556	86	10	shock	shock	NOUN
asfbr-556	86	11	within	within	ADP
asfbr-556	86	12	an	an	DET
asfbr-556	86	13	otherwise	otherwise	ADV
asfbr-556	86	14	noisy	noisy	ADJ
asfbr-556	86	15	system	system	NOUN
asfbr-556	86	16	of	of	ADP
asfbr-556	86	17	equations	equation	NOUN
asfbr-556	86	18	and	and	CCONJ
asfbr-556	86	19	,	,	PUNCT
asfbr-556	86	20	thus	thus	ADV
asfbr-556	86	21	,	,	PUNCT
asfbr-556	86	22	makes	make	VERB
asfbr-556	86	23	them	they	PRON
asfbr-556	86	24	very	very	ADV
asfbr-556	86	25	useful	useful	ADJ
asfbr-556	86	26	tools	tool	NOUN
asfbr-556	86	27	in	in	ADP
asfbr-556	86	28	the	the	DET
asfbr-556	86	29	assessment	assessment	NOUN
asfbr-556	86	30	of	of	ADP
asfbr-556	86	31	economic	economic	ADJ
asfbr-556	86	32	policies	policy	NOUN
asfbr-556	86	33	.	.	PUNCT
asfbr-556	87	1	copyright	copyright	NOUN
asfbr-556	87	2	©	©	PROPN
asfbr-556	87	3	cc	cc	PROPN
asfbr-556	87	4	-	-	PUNCT
asfbr-556	87	5	by	by	ADP
asfbr-556	87	6	-	-	PUNCT
asfbr-556	87	7	nc	nc	PROPN
asfbr-556	87	8	2020	2020	NUM
asfbr-556	87	9	,	,	PUNCT
asfbr-556	87	10	cribfb	cribfb	VERB
asfbr-556	87	11	|	|	ADV
asfbr-556	88	1	asfbr	asfbr	NOUN
asfbr-556	88	2	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-556	88	3	asian	asian	ADJ
asfbr-556	88	4	finance	finance	PROPN
asfbr-556	88	5	&	&	CCONJ
asfbr-556	88	6	banking	banking	PROPN
asfbr-556	88	7	review	review	PROPN
asfbr-556	88	8	vol	vol	NOUN
asfbr-556	88	9	.	.	PROPN
asfbr-556	89	1	4	4	NUM
asfbr-556	89	2	,	,	PUNCT
asfbr-556	89	3	no	no	INTJ
asfbr-556	89	4	.	.	NOUN
asfbr-556	89	5	1	1	NUM
asfbr-556	89	6	;	;	PUNCT
asfbr-556	89	7	2020	2020	NUM
asfbr-556	90	1	21	21	NUM
asfbr-556	90	2	-.4	-.4	NUM
asfbr-556	90	3	-.2	-.2	SYM
asfbr-556	90	4	.0	.0	NUM
asfbr-556	91	1	.2	.2	NUM
asfbr-556	91	2	.4	.4	NUM
asfbr-556	91	3	2	2	NUM
asfbr-556	91	4	4	4	NUM
asfbr-556	91	5	6	6	NUM
asfbr-556	91	6	8	8	NUM
asfbr-556	91	7	10	10	NUM
asfbr-556	91	8	response	response	NOUN
asfbr-556	91	9	of	of	ADP
asfbr-556	91	10	lnroa	lnroa	NOUN
asfbr-556	91	11	to	to	PART
asfbr-556	91	12	lnnpl	lnnpl	VERB
asfbr-556	91	13	response	response	NOUN
asfbr-556	91	14	to	to	PART
asfbr-556	91	15	cholesky	cholesky	VERB
asfbr-556	91	16	one	one	NUM
asfbr-556	91	17	s.d	s.d	PROPN
asfbr-556	91	18	.	.	PUNCT
asfbr-556	92	1	innovations	innovation	VERB
asfbr-556	92	2	the	the	DET
asfbr-556	92	3	result	result	NOUN
asfbr-556	92	4	above	above	ADV
asfbr-556	92	5	shows	show	VERB
asfbr-556	92	6	the	the	DET
asfbr-556	92	7	response	response	NOUN
asfbr-556	92	8	of	of	ADP
asfbr-556	92	9	return	return	NOUN
asfbr-556	92	10	on	on	ADP
asfbr-556	92	11	asset	asset	NOUN
asfbr-556	92	12	to	to	ADP
asfbr-556	92	13	innovation	innovation	NOUN
asfbr-556	92	14	from	from	ADP
asfbr-556	92	15	non	non	ADJ
asfbr-556	92	16	-	-	ADJ
asfbr-556	92	17	performing	perform	VERB
asfbr-556	92	18	loan	loan	NOUN
asfbr-556	92	19	.	.	PUNCT
asfbr-556	93	1	this	this	DET
asfbr-556	93	2	study	study	NOUN
asfbr-556	93	3	shows	show	VERB
asfbr-556	93	4	that	that	SCONJ
asfbr-556	93	5	return	return	VERB
asfbr-556	93	6	on	on	ADP
asfbr-556	93	7	asset	asset	NOUN
asfbr-556	93	8	respond	respond	NOUN
asfbr-556	93	9	to	to	ADP
asfbr-556	93	10	non	non	ADJ
asfbr-556	93	11	-	-	ADJ
asfbr-556	93	12	performing	perform	VERB
asfbr-556	93	13	loan	loan	NOUN
asfbr-556	93	14	although	although	SCONJ
asfbr-556	93	15	the	the	DET
asfbr-556	93	16	period	period	NOUN
asfbr-556	93	17	and	and	CCONJ
asfbr-556	93	18	the	the	DET
asfbr-556	93	19	responds	respond	NOUN
asfbr-556	93	20	is	be	AUX
asfbr-556	93	21	relatively	relatively	ADV
asfbr-556	93	22	uniform	uniform	ADJ
asfbr-556	93	23	.	.	PUNCT
asfbr-556	94	1	variance	variance	NOUN
asfbr-556	94	2	decomposition	decomposition	NOUN
asfbr-556	94	3	vd	vd	NOUN
asfbr-556	94	4	of	of	ADP
asfbr-556	94	5	lnroa	lnroa	NOUN
asfbr-556	94	6	:	:	PUNCT
asfbr-556	94	7	period	period	PROPN
asfbr-556	94	8	s.e	s.e	PROPN
asfbr-556	94	9	.	.	PROPN
asfbr-556	94	10	lnroa	lnroa	PROPN
asfbr-556	94	11	lnbcd	lnbcd	VERB
asfbr-556	94	12	lnbcir	lnbcir	PRON
asfbr-556	94	13	lntdp	lntdp	PROPN
asfbr-556	94	14	lnnpl	lnnpl	PROPN
asfbr-556	95	1	1	1	NUM
asfbr-556	95	2	0.313488	0.313488	NUM
asfbr-556	95	3	100.0000	100.0000	NUM
asfbr-556	95	4	0.000000	0.000000	NUM
asfbr-556	95	5	0.000000	0.000000	NUM
asfbr-556	95	6	0.000000	0.000000	NUM
asfbr-556	95	7	0.000000	0.000000	NUM
asfbr-556	95	8	2	2	NUM
asfbr-556	95	9	0.350966	0.350966	NUM
asfbr-556	95	10	86.27910	86.27910	NUM
asfbr-556	95	11	3.386231	3.386231	NUM
asfbr-556	95	12	0.998066	0.998066	NUM
asfbr-556	95	13	5.743668	5.743668	NUM
asfbr-556	95	14	3.592938	3.592938	NUM
asfbr-556	95	15	3	3	NUM
asfbr-556	95	16	0.436573	0.436573	NUM
asfbr-556	95	17	64.60282	64.60282	NUM
asfbr-556	95	18	4.201521	4.201521	NUM
asfbr-556	95	19	21.29085	21.29085	NUM
asfbr-556	95	20	4.921632	4.921632	NUM
asfbr-556	95	21	4.983175	4.983175	NUM
asfbr-556	95	22	4	4	NUM
asfbr-556	95	23	0.476380	0.476380	NUM
asfbr-556	95	24	63.69035	63.69035	NUM
asfbr-556	95	25	5.752814	5.752814	NUM
asfbr-556	95	26	20.40146	20.40146	NUM
asfbr-556	95	27	5.611523	5.611523	NUM
asfbr-556	95	28	4.543850	4.543850	NUM
asfbr-556	95	29	5	5	NUM
asfbr-556	95	30	0.500836	0.500836	NUM
asfbr-556	95	31	65.45655	65.45655	NUM
asfbr-556	95	32	5.557380	5.557380	NUM
asfbr-556	95	33	4.253990	4.253990	NUM
asfbr-556	95	34	5.076896	5.076896	NUM
asfbr-556	95	35	4.253990	4.253990	NUM
asfbr-556	95	36	6	6	NUM
asfbr-556	95	37	0.524890	0.524890	NUM
asfbr-556	95	38	66.61772	66.61772	NUM
asfbr-556	95	39	6.218811	6.218811	NUM
asfbr-556	95	40	3.873575	3.873575	NUM
asfbr-556	95	41	4.625277	4.625277	NUM
asfbr-556	95	42	19.65519	19.65519	NUM
asfbr-556	95	43	7	7	NUM
asfbr-556	95	44	0.550445	0.550445	NUM
asfbr-556	95	45	66.46396	66.46396	NUM
asfbr-556	95	46	7.945937	7.945937	NUM
asfbr-556	95	47	4.027573	4.027573	NUM
asfbr-556	95	48	4.400085	4.400085	NUM
asfbr-556	95	49	18.66462	18.66462	NUM
asfbr-556	95	50	8	8	NUM
asfbr-556	95	51	0.575806	0.575806	NUM
asfbr-556	95	52	67.86450	67.86450	NUM
asfbr-556	95	53	8.331418	8.331418	NUM
asfbr-556	95	54	3.816965	3.816965	NUM
asfbr-556	95	55	4.026012	4.026012	NUM
asfbr-556	95	56	17.16244	17.16244	NUM
asfbr-556	95	57	9	9	NUM
asfbr-556	95	58	0.595678	0.595678	NUM
asfbr-556	95	59	68.71249	68.71249	NUM
asfbr-556	95	60	8.552364	8.552364	NUM
asfbr-556	95	61	3.676716	3.676716	NUM
asfbr-556	95	62	3.768660	3.768660	NUM
asfbr-556	95	63	15.96110	15.96110	NUM
asfbr-556	95	64	10	10	NUM
asfbr-556	95	65	0.617050	0.617050	NUM
asfbr-556	95	66	69.07802	69.07802	NUM
asfbr-556	95	67	9.030516	9.030516	NUM
asfbr-556	95	68	3.784593	3.784593	NUM
asfbr-556	95	69	3.512694	3.512694	NUM
asfbr-556	95	70	15.28977	15.28977	NUM
asfbr-556	95	71	source	source	NOUN
asfbr-556	95	72	:	:	PUNCT
asfbr-556	95	73	authors	author	NOUN
asfbr-556	95	74	computation	computation	VERB
asfbr-556	95	75	from	from	ADP
asfbr-556	95	76	eview	eview	PROPN
asfbr-556	95	77	9.0	9.0	NUM
asfbr-556	95	78	the	the	DET
asfbr-556	95	79	result	result	NOUN
asfbr-556	95	80	of	of	ADP
asfbr-556	95	81	the	the	DET
asfbr-556	95	82	variance	variance	NOUN
asfbr-556	95	83	decomposition	decomposition	NOUN
asfbr-556	95	84	above	above	ADV
asfbr-556	95	85	shows	show	VERB
asfbr-556	95	86	that	that	SCONJ
asfbr-556	95	87	total	total	ADJ
asfbr-556	95	88	financial	financial	ADJ
asfbr-556	95	89	system	system	NOUN
asfbr-556	95	90	deposit	deposit	NOUN
asfbr-556	95	91	causes	cause	VERB
asfbr-556	95	92	the	the	DET
asfbr-556	95	93	highest	high	ADJ
asfbr-556	95	94	variance	variance	NOUN
asfbr-556	95	95	in	in	ADP
asfbr-556	95	96	the	the	DET
asfbr-556	95	97	return	return	NOUN
asfbr-556	95	98	on	on	ADP
asfbr-556	95	99	asset	asset	NOUN
asfbr-556	95	100	in	in	ADP
asfbr-556	95	101	the	the	DET
asfbr-556	95	102	2nd	2nd	ADJ
asfbr-556	95	103	period	period	NOUN
asfbr-556	95	104	leading	lead	VERB
asfbr-556	95	105	to	to	ADP
asfbr-556	95	106	the	the	DET
asfbr-556	95	107	ratio	ratio	NOUN
asfbr-556	95	108	of	of	ADP
asfbr-556	95	109	bank	bank	NOUN
asfbr-556	95	110	credit	credit	NOUN
asfbr-556	95	111	to	to	AUX
asfbr-556	95	112	total	total	ADJ
asfbr-556	95	113	deposit	deposit	NOUN
asfbr-556	95	114	contributing	contribute	VERB
asfbr-556	95	115	highest	high	ADJ
asfbr-556	95	116	in	in	ADP
asfbr-556	95	117	the	the	DET
asfbr-556	95	118	3	3	NUM
asfbr-556	95	119	rd	rd	NOUN
asfbr-556	95	120	period	period	NOUN
asfbr-556	95	121	consequently	consequently	ADV
asfbr-556	95	122	this	this	DET
asfbr-556	95	123	large	large	ADJ
asfbr-556	95	124	bank	bank	NOUN
asfbr-556	95	125	credit	credit	NOUN
asfbr-556	95	126	turns	turn	VERB
asfbr-556	95	127	bad	bad	ADJ
asfbr-556	95	128	leading	lead	VERB
asfbr-556	95	129	to	to	ADP
asfbr-556	95	130	large	large	ADJ
asfbr-556	95	131	contribution	contribution	NOUN
asfbr-556	95	132	of	of	ADP
asfbr-556	95	133	npl	npl	PROPN
asfbr-556	95	134	in	in	ADP
asfbr-556	95	135	the	the	DET
asfbr-556	95	136	4th	4th	NOUN
asfbr-556	95	137	to	to	ADP
asfbr-556	95	138	the	the	DET
asfbr-556	95	139	10th	10th	ADJ
asfbr-556	95	140	period	period	NOUN
asfbr-556	95	141	.	.	PUNCT
asfbr-556	96	1	4	4	X
asfbr-556	96	2	.	.	X
asfbr-556	96	3	findings	finding	VERB
asfbr-556	96	4	deposit	deposit	NOUN
asfbr-556	96	5	money	money	NOUN
asfbr-556	96	6	bank	bank	NOUN
asfbr-556	96	7	with	with	ADP
asfbr-556	96	8	an	an	DET
asfbr-556	96	9	roa	roa	NOUN
asfbr-556	96	10	of	of	ADP
asfbr-556	96	11	2.49	2.49	NUM
asfbr-556	96	12	%	%	NOUN
asfbr-556	96	13	implies	imply	VERB
asfbr-556	96	14	how	how	SCONJ
asfbr-556	96	15	profitable	profitable	ADJ
asfbr-556	96	16	a	a	DET
asfbr-556	96	17	deposit	deposit	NOUN
asfbr-556	96	18	money	money	NOUN
asfbr-556	96	19	bank	bank	NOUN
asfbr-556	96	20	is	be	AUX
asfbr-556	96	21	relative	relative	ADJ
asfbr-556	96	22	to	to	ADP
asfbr-556	96	23	its	its	PRON
asfbr-556	96	24	total	total	ADJ
asfbr-556	96	25	assets	asset	NOUN
asfbr-556	96	26	.	.	PUNCT
asfbr-556	97	1	this	this	PRON
asfbr-556	97	2	shows	show	VERB
asfbr-556	97	3	that	that	SCONJ
asfbr-556	97	4	only	only	ADV
asfbr-556	97	5	2.49	2.49	NUM
asfbr-556	97	6	%	%	NOUN
asfbr-556	97	7	of	of	ADP
asfbr-556	97	8	the	the	DET
asfbr-556	97	9	total	total	ADJ
asfbr-556	97	10	asset	asset	NOUN
asfbr-556	97	11	of	of	ADP
asfbr-556	97	12	the	the	DET
asfbr-556	97	13	deposit	deposit	NOUN
asfbr-556	97	14	money	money	NOUN
asfbr-556	97	15	banks	bank	NOUN
asfbr-556	97	16	is	be	AUX
asfbr-556	97	17	profitable	profitable	ADJ
asfbr-556	97	18	therefore	therefore	ADV
asfbr-556	97	19	this	this	DET
asfbr-556	97	20	low	low	ADJ
asfbr-556	97	21	roa	roa	NOUN
asfbr-556	97	22	shows	show	VERB
asfbr-556	97	23	that	that	SCONJ
asfbr-556	97	24	deposit	deposit	NOUN
asfbr-556	97	25	money	money	NOUN
asfbr-556	97	26	banks	bank	NOUN
asfbr-556	97	27	is	be	AUX
asfbr-556	97	28	not	not	PART
asfbr-556	97	29	making	make	VERB
asfbr-556	97	30	enough	enough	ADJ
asfbr-556	97	31	income	income	NOUN
asfbr-556	97	32	from	from	ADP
asfbr-556	97	33	the	the	DET
asfbr-556	97	34	use	use	NOUN
asfbr-556	97	35	of	of	ADP
asfbr-556	97	36	its	its	PRON
asfbr-556	97	37	assets	asset	NOUN
asfbr-556	97	38	.	.	PUNCT
asfbr-556	98	1	hence	hence	ADV
asfbr-556	98	2	deposit	deposit	VERB
asfbr-556	98	3	money	money	NOUN
asfbr-556	98	4	bank	bank	NOUN
asfbr-556	98	5	can	can	AUX
asfbr-556	98	6	achieve	achieve	VERB
asfbr-556	98	7	a	a	DET
asfbr-556	98	8	high	high	ADJ
asfbr-556	98	9	roa	roa	NOUN
asfbr-556	98	10	either	either	CCONJ
asfbr-556	98	11	by	by	ADP
asfbr-556	98	12	boosting	boost	VERB
asfbr-556	98	13	its	its	PRON
asfbr-556	98	14	profit	profit	NOUN
asfbr-556	98	15	margin	margin	NOUN
asfbr-556	98	16	or	or	CCONJ
asfbr-556	98	17	,	,	PUNCT
asfbr-556	98	18	more	more	ADV
asfbr-556	98	19	efficiently	efficiently	ADV
asfbr-556	98	20	,	,	PUNCT
asfbr-556	98	21	by	by	ADP
asfbr-556	98	22	using	use	VERB
asfbr-556	98	23	its	its	PRON
asfbr-556	98	24	assets	asset	NOUN
asfbr-556	98	25	to	to	PART
asfbr-556	98	26	increase	increase	VERB
asfbr-556	98	27	sales	sale	NOUN
asfbr-556	98	28	.	.	PUNCT
asfbr-556	99	1	14	14	NUM
asfbr-556	99	2	%	%	NOUN
asfbr-556	99	3	of	of	ADP
asfbr-556	99	4	the	the	DET
asfbr-556	99	5	total	total	ADJ
asfbr-556	99	6	loan	loan	NOUN
asfbr-556	99	7	in	in	ADP
asfbr-556	99	8	deposit	deposit	NOUN
asfbr-556	99	9	money	money	NOUN
asfbr-556	99	10	banks	bank	NOUN
asfbr-556	99	11	turn	turn	VERB
asfbr-556	99	12	bad	bad	ADJ
asfbr-556	99	13	and	and	CCONJ
asfbr-556	99	14	becomes	become	VERB
asfbr-556	99	15	non	non	ADJ
asfbr-556	99	16	-	-	ADJ
asfbr-556	99	17	performing	perform	VERB
asfbr-556	99	18	as	as	SCONJ
asfbr-556	99	19	indicated	indicate	VERB
asfbr-556	99	20	in	in	ADP
asfbr-556	99	21	the	the	DET
asfbr-556	99	22	result	result	NOUN
asfbr-556	99	23	of	of	ADP
asfbr-556	99	24	the	the	DET
asfbr-556	99	25	descriptive	descriptive	ADJ
asfbr-556	99	26	statistics	statistic	NOUN
asfbr-556	99	27	.	.	PUNCT
asfbr-556	100	1	the	the	DET
asfbr-556	100	2	rationale	rationale	NOUN
asfbr-556	100	3	for	for	ADP
asfbr-556	100	4	this	this	DET
asfbr-556	100	5	high	high	ADJ
asfbr-556	100	6	npl	npl	NOUN
asfbr-556	100	7	can	can	AUX
asfbr-556	100	8	not	not	PART
asfbr-556	100	9	be	be	AUX
asfbr-556	100	10	far	far	ADV
asfbr-556	100	11	from	from	ADP
asfbr-556	100	12	the	the	DET
asfbr-556	100	13	existence	existence	NOUN
asfbr-556	100	14	of	of	ADP
asfbr-556	100	15	high	high	ADJ
asfbr-556	100	16	-	-	PUNCT
asfbr-556	100	17	interest	interest	NOUN
asfbr-556	100	18	rate	rate	NOUN
asfbr-556	100	19	,	,	PUNCT
asfbr-556	100	20	low	low	ADJ
asfbr-556	100	21	gdp	gdp	NOUN
asfbr-556	100	22	,	,	PUNCT
asfbr-556	100	23	poor	poor	ADJ
asfbr-556	100	24	credit	credit	NOUN
asfbr-556	100	25	appraisal	appraisal	NOUN
asfbr-556	100	26	,	,	PUNCT
asfbr-556	100	27	inflation	inflation	NOUN
asfbr-556	100	28	,	,	PUNCT
asfbr-556	100	29	unemployment	unemployment	NOUN
asfbr-556	100	30	and	and	CCONJ
asfbr-556	100	31	improper	improper	ADJ
asfbr-556	100	32	lending	lending	NOUN
asfbr-556	100	33	disbursement	disbursement	NOUN
asfbr-556	100	34	to	to	ADP
asfbr-556	100	35	agriculture	agriculture	NOUN
asfbr-556	100	36	sector	sector	NOUN
asfbr-556	100	37	within	within	ADP
asfbr-556	100	38	the	the	DET
asfbr-556	100	39	deposit	deposit	NOUN
asfbr-556	100	40	money	money	NOUN
asfbr-556	100	41	banks	bank	NOUN
asfbr-556	100	42	.	.	PUNCT
asfbr-556	101	1	however	however	ADV
asfbr-556	101	2	,	,	PUNCT
asfbr-556	101	3	the	the	DET
asfbr-556	101	4	study	study	NOUN
asfbr-556	101	5	confirms	confirm	VERB
asfbr-556	101	6	the	the	DET
asfbr-556	101	7	presence	presence	NOUN
asfbr-556	101	8	of	of	ADP
asfbr-556	101	9	long	long	ADJ
asfbr-556	101	10	run	run	NOUN
asfbr-556	101	11	relationship	relationship	NOUN
asfbr-556	101	12	among	among	ADP
asfbr-556	101	13	non	non	ADJ
asfbr-556	101	14	-	-	ADJ
asfbr-556	101	15	performing	perform	VERB
asfbr-556	101	16	loan	loan	NOUN
asfbr-556	101	17	and	and	CCONJ
asfbr-556	101	18	the	the	DET
asfbr-556	101	19	performance	performance	NOUN
asfbr-556	101	20	of	of	ADP
asfbr-556	101	21	deposit	deposit	NOUN
asfbr-556	101	22	money	money	NOUN
asfbr-556	101	23	bank	bank	NOUN
asfbr-556	101	24	in	in	ADP
asfbr-556	101	25	nigeria	nigeria	PROPN
asfbr-556	101	26	and	and	CCONJ
asfbr-556	101	27	affirms	affirm	VERB
asfbr-556	101	28	that	that	SCONJ
asfbr-556	101	29	only	only	ADV
asfbr-556	101	30	non	non	ADJ
asfbr-556	101	31	-	-	ADJ
asfbr-556	101	32	performing	perform	VERB
asfbr-556	101	33	loan	loan	NOUN
asfbr-556	101	34	has	have	VERB
asfbr-556	101	35	significant	significant	ADJ
asfbr-556	101	36	effect	effect	NOUN
asfbr-556	101	37	on	on	ADP
asfbr-556	101	38	bank	bank	NOUN
asfbr-556	101	39	performance	performance	NOUN
asfbr-556	101	40	in	in	ADP
asfbr-556	101	41	the	the	DET
asfbr-556	101	42	long	long	ADJ
asfbr-556	101	43	run	run	NOUN
asfbr-556	101	44	and	and	CCONJ
asfbr-556	101	45	the	the	DET
asfbr-556	101	46	short	short	ADJ
asfbr-556	101	47	run	run	NOUN
asfbr-556	101	48	as	as	ADV
asfbr-556	101	49	well	well	ADV
asfbr-556	101	50	although	although	SCONJ
asfbr-556	101	51	the	the	DET
asfbr-556	101	52	speed	speed	NOUN
asfbr-556	101	53	of	of	ADP
asfbr-556	101	54	adjustment	adjustment	NOUN
asfbr-556	101	55	of	of	ADP
asfbr-556	101	56	the	the	DET
asfbr-556	101	57	explanatory	explanatory	ADJ
asfbr-556	101	58	variables	variable	NOUN
asfbr-556	101	59	are	be	AUX
asfbr-556	101	60	significant	significant	ADJ
asfbr-556	101	61	hence	hence	ADV
asfbr-556	101	62	the	the	DET
asfbr-556	101	63	speed	speed	NOUN
asfbr-556	101	64	of	of	ADP
asfbr-556	101	65	adjustment	adjustment	NOUN
asfbr-556	101	66	towards	towards	ADP
asfbr-556	101	67	long	long	ADV
asfbr-556	101	68	-	-	PUNCT
asfbr-556	101	69	run	run	VERB
asfbr-556	101	70	equilibrium	equilibrium	NOUN
asfbr-556	101	71	is	be	AUX
asfbr-556	101	72	very	very	ADV
asfbr-556	101	73	high	high	ADJ
asfbr-556	101	74	,	,	PUNCT
asfbr-556	101	75	that	that	ADV
asfbr-556	101	76	is	is	ADV
asfbr-556	101	77	,	,	PUNCT
asfbr-556	101	78	there	there	PRON
asfbr-556	101	79	is	be	VERB
asfbr-556	101	80	177	177	NUM
asfbr-556	101	81	percent	percent	NOUN
asfbr-556	101	82	increase	increase	NOUN
asfbr-556	101	83	over	over	ADP
asfbr-556	101	84	the	the	DET
asfbr-556	101	85	previous	previous	ADJ
asfbr-556	101	86	year	year	NOUN
asfbr-556	101	87	.	.	PUNCT
asfbr-556	102	1	nonetheless	nonetheless	ADV
asfbr-556	102	2	,	,	PUNCT
asfbr-556	102	3	return	return	VERB
asfbr-556	102	4	on	on	ADP
asfbr-556	102	5	asset	asset	NOUN
asfbr-556	102	6	respond	respond	NOUN
asfbr-556	102	7	to	to	ADP
asfbr-556	102	8	non	non	ADJ
asfbr-556	102	9	-	-	ADJ
asfbr-556	102	10	performing	perform	VERB
asfbr-556	102	11	loan	loan	NOUN
asfbr-556	102	12	although	although	SCONJ
asfbr-556	102	13	the	the	DET
asfbr-556	102	14	period	period	NOUN
asfbr-556	102	15	and	and	CCONJ
asfbr-556	102	16	the	the	DET
asfbr-556	102	17	response	response	NOUN
asfbr-556	102	18	is	be	AUX
asfbr-556	102	19	relatively	relatively	ADV
asfbr-556	102	20	uniform	uniform	ADJ
asfbr-556	102	21	as	as	SCONJ
asfbr-556	102	22	indicated	indicate	VERB
asfbr-556	102	23	by	by	ADP
asfbr-556	102	24	the	the	DET
asfbr-556	102	25	impulse	impulse	ADJ
asfbr-556	102	26	response	response	NOUN
asfbr-556	102	27	function	function	NOUN
asfbr-556	102	28	while	while	SCONJ
asfbr-556	102	29	the	the	DET
asfbr-556	102	30	variance	variance	NOUN
asfbr-556	102	31	decomposition	decomposition	NOUN
asfbr-556	102	32	of	of	ADP
asfbr-556	102	33	the	the	DET
asfbr-556	102	34	study	study	NOUN
asfbr-556	102	35	shows	show	VERB
asfbr-556	102	36	that	that	SCONJ
asfbr-556	102	37	total	total	ADJ
asfbr-556	102	38	financial	financial	ADJ
asfbr-556	102	39	system	system	NOUN
asfbr-556	102	40	deposit	deposit	NOUN
asfbr-556	102	41	causes	cause	VERB
asfbr-556	102	42	the	the	DET
asfbr-556	102	43	highest	high	ADJ
asfbr-556	102	44	variance	variance	NOUN
asfbr-556	102	45	in	in	ADP
asfbr-556	102	46	the	the	DET
asfbr-556	102	47	return	return	NOUN
asfbr-556	102	48	on	on	ADP
asfbr-556	102	49	asset	asset	NOUN
asfbr-556	102	50	in	in	ADP
asfbr-556	102	51	the	the	DET
asfbr-556	102	52	2nd	2nd	ADJ
asfbr-556	102	53	period	period	NOUN
asfbr-556	102	54	leading	lead	VERB
asfbr-556	102	55	to	to	ADP
asfbr-556	102	56	the	the	DET
asfbr-556	102	57	ratio	ratio	NOUN
asfbr-556	102	58	of	of	ADP
asfbr-556	102	59	bank	bank	NOUN
asfbr-556	102	60	credit	credit	NOUN
asfbr-556	102	61	to	to	AUX
asfbr-556	102	62	total	total	ADJ
asfbr-556	102	63	deposit	deposit	NOUN
asfbr-556	102	64	contributing	contribute	VERB
asfbr-556	102	65	highest	high	ADJ
asfbr-556	102	66	in	in	ADP
asfbr-556	102	67	the	the	DET
asfbr-556	102	68	3rd	3rd	ADJ
asfbr-556	102	69	period	period	NOUN
asfbr-556	102	70	consequently	consequently	ADV
asfbr-556	102	71	this	this	DET
asfbr-556	102	72	large	large	ADJ
asfbr-556	102	73	bank	bank	NOUN
asfbr-556	102	74	credit	credit	NOUN
asfbr-556	102	75	turns	turn	VERB
asfbr-556	102	76	bad	bad	ADJ
asfbr-556	102	77	leading	lead	VERB
asfbr-556	102	78	to	to	ADP
asfbr-556	102	79	large	large	ADJ
asfbr-556	102	80	contribution	contribution	NOUN
asfbr-556	102	81	of	of	ADP
asfbr-556	102	82	npl	npl	PROPN
asfbr-556	102	83	in	in	ADP
asfbr-556	102	84	the	the	DET
asfbr-556	102	85	4th	4th	NOUN
asfbr-556	102	86	to	to	ADP
asfbr-556	102	87	the	the	DET
asfbr-556	102	88	10th	10th	ADJ
asfbr-556	102	89	period	period	NOUN
asfbr-556	102	90	.	.	PUNCT
asfbr-556	103	1	copyright	copyright	NOUN
asfbr-556	103	2	©	©	PROPN
asfbr-556	103	3	cc	cc	PROPN
asfbr-556	103	4	-	-	PUNCT
asfbr-556	103	5	by	by	ADP
asfbr-556	103	6	-	-	PUNCT
asfbr-556	103	7	nc	nc	PROPN
asfbr-556	103	8	2020	2020	NUM
asfbr-556	103	9	,	,	PUNCT
asfbr-556	103	10	cribfb	cribfb	VERB
asfbr-556	103	11	|	|	ADV
asfbr-556	104	1	asfbr	asfbr	NOUN
asfbr-556	104	2	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-556	104	3	asian	asian	ADJ
asfbr-556	104	4	finance	finance	PROPN
asfbr-556	104	5	&	&	CCONJ
asfbr-556	104	6	banking	banking	PROPN
asfbr-556	104	7	review	review	PROPN
asfbr-556	104	8	vol	vol	NOUN
asfbr-556	104	9	.	.	PROPN
asfbr-556	105	1	4	4	NUM
asfbr-556	105	2	,	,	PUNCT
asfbr-556	105	3	no	no	INTJ
asfbr-556	105	4	.	.	NOUN
asfbr-556	105	5	1	1	NUM
asfbr-556	105	6	;	;	PUNCT
asfbr-556	105	7	2020	2020	NUM
asfbr-556	105	8	22	22	NUM
asfbr-556	105	9	5	5	NUM
asfbr-556	105	10	.	.	PUNCT
asfbr-556	105	11	conclusion	conclusion	NOUN
asfbr-556	105	12	the	the	DET
asfbr-556	105	13	study	study	NOUN
asfbr-556	105	14	concluded	conclude	VERB
asfbr-556	105	15	that	that	SCONJ
asfbr-556	105	16	persistence	persistence	NOUN
asfbr-556	105	17	increase	increase	NOUN
asfbr-556	105	18	in	in	ADP
asfbr-556	105	19	non	non	ADJ
asfbr-556	105	20	-	-	ADJ
asfbr-556	105	21	performing	performing	ADJ
asfbr-556	105	22	loans	loan	NOUN
asfbr-556	105	23	results	result	NOUN
asfbr-556	105	24	in	in	ADP
asfbr-556	105	25	poor	poor	ADJ
asfbr-556	105	26	performance	performance	NOUN
asfbr-556	105	27	of	of	ADP
asfbr-556	105	28	deposit	deposit	NOUN
asfbr-556	105	29	money	money	NOUN
asfbr-556	105	30	banks	bank	NOUN
asfbr-556	105	31	in	in	ADP
asfbr-556	105	32	nigeria	nigeria	PROPN
asfbr-556	105	33	.	.	PUNCT
asfbr-556	106	1	also	also	ADV
asfbr-556	106	2	,	,	PUNCT
asfbr-556	106	3	non	non	ADJ
asfbr-556	106	4	-	-	ADJ
asfbr-556	106	5	performing	perform	VERB
asfbr-556	106	6	loan	loan	NOUN
asfbr-556	106	7	reduces	reduce	VERB
asfbr-556	106	8	deposit	deposit	NOUN
asfbr-556	106	9	money	money	NOUN
asfbr-556	106	10	banks	bank	NOUN
asfbr-556	106	11	return	return	VERB
asfbr-556	106	12	on	on	ADP
asfbr-556	106	13	asset	asset	NOUN
asfbr-556	106	14	.	.	PUNCT
asfbr-556	107	1	the	the	DET
asfbr-556	107	2	study	study	NOUN
asfbr-556	107	3	therefore	therefore	ADV
asfbr-556	107	4	recommends	recommend	VERB
asfbr-556	107	5	that	that	SCONJ
asfbr-556	107	6	deposit	deposit	NOUN
asfbr-556	107	7	money	money	NOUN
asfbr-556	107	8	banks	bank	NOUN
asfbr-556	107	9	should	should	AUX
asfbr-556	107	10	employ	employ	VERB
asfbr-556	107	11	competent	competent	ADJ
asfbr-556	107	12	risk	risk	NOUN
asfbr-556	107	13	managers	manager	NOUN
asfbr-556	107	14	that	that	PRON
asfbr-556	107	15	always	always	ADV
asfbr-556	107	16	use	use	VERB
asfbr-556	107	17	their	their	PRON
asfbr-556	107	18	skills	skill	NOUN
asfbr-556	107	19	to	to	PART
asfbr-556	107	20	reduce	reduce	VERB
asfbr-556	107	21	the	the	DET
asfbr-556	107	22	incident	incident	NOUN
asfbr-556	107	23	of	of	ADP
asfbr-556	107	24	nonperforming	nonperforme	VERB
asfbr-556	107	25	loans	loan	NOUN
asfbr-556	107	26	in	in	ADP
asfbr-556	107	27	the	the	DET
asfbr-556	107	28	nigerian	nigerian	ADJ
asfbr-556	107	29	deposit	deposit	NOUN
asfbr-556	107	30	money	money	NOUN
asfbr-556	107	31	banks	bank	NOUN
asfbr-556	107	32	.	.	PUNCT
asfbr-556	108	1	the	the	DET
asfbr-556	108	2	study	study	NOUN
asfbr-556	108	3	also	also	ADV
asfbr-556	108	4	recommends	recommend	VERB
asfbr-556	108	5	that	that	SCONJ
asfbr-556	108	6	deposit	deposit	NOUN
asfbr-556	108	7	money	money	NOUN
asfbr-556	108	8	banks	bank	NOUN
asfbr-556	108	9	in	in	ADP
asfbr-556	108	10	nigeria	nigeria	PROPN
asfbr-556	108	11	should	should	AUX
asfbr-556	108	12	always	always	ADV
asfbr-556	108	13	monitor	monitor	VERB
asfbr-556	108	14	the	the	DET
asfbr-556	108	15	end	end	NOUN
asfbr-556	108	16	-	-	PUNCT
asfbr-556	108	17	use	use	NOUN
asfbr-556	108	18	of	of	ADP
asfbr-556	108	19	funds	fund	NOUN
asfbr-556	108	20	given	give	VERB
asfbr-556	108	21	to	to	ADP
asfbr-556	108	22	their	their	PRON
asfbr-556	108	23	customers	customer	NOUN
asfbr-556	108	24	in	in	ADP
asfbr-556	108	25	order	order	NOUN
asfbr-556	108	26	to	to	PART
asfbr-556	108	27	curb	curb	VERB
asfbr-556	108	28	the	the	DET
asfbr-556	108	29	incident	incident	NOUN
asfbr-556	108	30	of	of	ADP
asfbr-556	108	31	fund	fund	NOUN
asfbr-556	108	32	diversion	diversion	NOUN
asfbr-556	108	33	which	which	PRON
asfbr-556	108	34	may	may	AUX
asfbr-556	108	35	result	result	VERB
asfbr-556	108	36	in	in	ADP
asfbr-556	108	37	non	non	ADJ
asfbr-556	108	38	-	-	ADJ
asfbr-556	108	39	performing	perform	VERB
asfbr-556	108	40	loan	loan	NOUN
asfbr-556	108	41	.	.	PUNCT
asfbr-556	109	1	references	reference	NOUN
asfbr-556	109	2	abiola	abiola	PROPN
asfbr-556	109	3	,	,	PUNCT
asfbr-556	109	4	i.	i.	PROPN
asfbr-556	109	5	&	&	CCONJ
asfbr-556	109	6	olausi	olausi	PROPN
asfbr-556	109	7	,	,	PUNCT
asfbr-556	109	8	a.	a.	PROPN
asfbr-556	109	9	s.	s.	PROPN
asfbr-556	109	10	(	(	PUNCT
asfbr-556	109	11	2014	2014	NUM
asfbr-556	109	12	)	)	PUNCT
asfbr-556	109	13	.	.	PUNCT
asfbr-556	110	1	the	the	DET
asfbr-556	110	2	impact	impact	NOUN
asfbr-556	110	3	of	of	ADP
asfbr-556	110	4	credit	credit	NOUN
asfbr-556	110	5	risk	risk	NOUN
asfbr-556	110	6	management	management	NOUN
asfbr-556	110	7	on	on	ADP
asfbr-556	110	8	the	the	DET
asfbr-556	110	9	commercial	commercial	ADJ
asfbr-556	110	10	banks	bank	NOUN
asfbr-556	110	11	performance	performance	NOUN
asfbr-556	110	12	in	in	ADP
asfbr-556	110	13	nigeria	nigeria	PROPN
asfbr-556	110	14	.	.	PUNCT
asfbr-556	111	1	international	international	ADJ
asfbr-556	111	2	journal	journal	PROPN
asfbr-556	111	3	of	of	ADP
asfbr-556	111	4	management	management	NOUN
asfbr-556	111	5	and	and	CCONJ
asfbr-556	111	6	sustainability	sustainability	NOUN
asfbr-556	111	7	,	,	PUNCT
asfbr-556	111	8	3(5	3(5	NUM
asfbr-556	111	9	)	)	PUNCT
asfbr-556	111	10	,	,	PUNCT
asfbr-556	111	11	295	295	NUM
asfbr-556	111	12	-	-	SYM
asfbr-556	111	13	306	306	NUM
asfbr-556	111	14	.	.	PUNCT
asfbr-556	112	1	ajayi	ajayi	PROPN
asfbr-556	112	2	,	,	PUNCT
asfbr-556	112	3	l.	l.	PROPN
asfbr-556	112	4	b.	b.	PROPN
asfbr-556	112	5	&	&	CCONJ
asfbr-556	112	6	ajayi	ajayi	PROPN
asfbr-556	112	7	,	,	PUNCT
asfbr-556	112	8	f.	f.	PROPN
asfbr-556	112	9	i.	i.	PROPN
asfbr-556	112	10	(	(	PUNCT
asfbr-556	112	11	2017	2017	NUM
asfbr-556	112	12	)	)	PUNCT
asfbr-556	112	13	.	.	PUNCT
asfbr-556	113	1	effects	effect	NOUN
asfbr-556	113	2	of	of	ADP
asfbr-556	113	3	credit	credit	NOUN
asfbr-556	113	4	risk	risk	NOUN
asfbr-556	113	5	management	management	NOUN
asfbr-556	113	6	on	on	ADP
asfbr-556	113	7	performance	performance	NOUN
asfbr-556	113	8	of	of	ADP
asfbr-556	113	9	deposit	deposit	NOUN
asfbr-556	113	10	money	money	NOUN
asfbr-556	113	11	banks	bank	NOUN
asfbr-556	113	12	in	in	ADP
asfbr-556	113	13	nigeria	nigeria	PROPN
asfbr-556	113	14	.	.	PUNCT
asfbr-556	114	1	international	international	ADJ
asfbr-556	114	2	journal	journal	PROPN
asfbr-556	114	3	of	of	ADP
asfbr-556	114	4	research	research	NOUN
asfbr-556	114	5	in	in	ADP
asfbr-556	114	6	management	management	PROPN
asfbr-556	114	7	&	&	CCONJ
asfbr-556	114	8	business	business	NOUN
asfbr-556	114	9	studies	study	NOUN
asfbr-556	114	10	,	,	PUNCT
asfbr-556	114	11	4(3	4(3	NUM
asfbr-556	114	12	)	)	PUNCT
asfbr-556	114	13	,	,	PUNCT
asfbr-556	114	14	50	50	NUM
asfbr-556	114	15	-	-	SYM
asfbr-556	114	16	55	55	NUM
asfbr-556	114	17	.	.	PUNCT
asfbr-556	115	1	bofondi	bofondi	PROPN
asfbr-556	115	2	,	,	PUNCT
asfbr-556	115	3	m.	m.	NOUN
asfbr-556	115	4	&	&	CCONJ
asfbr-556	115	5	ropele	ropele	PROPN
asfbr-556	115	6	,	,	PUNCT
asfbr-556	115	7	t.	t.	PROPN
asfbr-556	115	8	(	(	PUNCT
asfbr-556	115	9	2011	2011	NUM
asfbr-556	115	10	)	)	PUNCT
asfbr-556	115	11	.	.	PUNCT
asfbr-556	116	1	macroeconomic	macroeconomic	ADJ
asfbr-556	116	2	determinants	determinant	NOUN
asfbr-556	116	3	of	of	ADP
asfbr-556	116	4	bad	bad	ADJ
asfbr-556	116	5	loans	loan	NOUN
asfbr-556	116	6	:	:	PUNCT
asfbr-556	116	7	evidence	evidence	NOUN
asfbr-556	116	8	from	from	ADP
asfbr-556	116	9	italian	italian	ADJ
asfbr-556	116	10	conference	conference	NOUN
asfbr-556	116	11	,	,	PUNCT
asfbr-556	116	12	ineag	ineag	NOUN
asfbr-556	116	13	,	,	PUNCT
asfbr-556	116	14	samos	samos	PROPN
asfbr-556	116	15	.	.	PROPN
asfbr-556	116	16	ekanayake	ekanayake	PROPN
asfbr-556	116	17	,	,	PUNCT
asfbr-556	116	18	e.m	e.m	PROPN
asfbr-556	116	19	.	.	PROPN
asfbr-556	116	20	n.n	n.n	PROPN
asfbr-556	116	21	.	.	PROPN
asfbr-556	116	22	&	&	CCONJ
asfbr-556	116	23	azeez	azeez	PROPN
asfbr-556	116	24	a.a	a.a	PROPN
asfbr-556	116	25	.	.	PROPN
asfbr-556	116	26	(	(	PUNCT
asfbr-556	116	27	2015	2015	NUM
asfbr-556	116	28	)	)	PUNCT
asfbr-556	116	29	.	.	PUNCT
asfbr-556	117	1	determinants	determinant	NOUN
asfbr-556	117	2	of	of	ADP
asfbr-556	117	3	nonperforming	nonperforme	VERB
asfbr-556	117	4	loans	loan	NOUN
asfbr-556	117	5	in	in	ADP
asfbr-556	117	6	licensed	licensed	ADJ
asfbr-556	117	7	commercial	commercial	ADJ
asfbr-556	117	8	banks	bank	NOUN
asfbr-556	117	9	:	:	PUNCT
asfbr-556	117	10	evidence	evidence	NOUN
asfbr-556	117	11	from	from	ADP
asfbr-556	117	12	sri	sri	PROPN
asfbr-556	117	13	lank	lank	PROPN
asfbr-556	117	14	.	.	PUNCT
asfbr-556	118	1	asian	asian	ADJ
asfbr-556	118	2	economic	economic	ADJ
asfbr-556	118	3	and	and	CCONJ
asfbr-556	118	4	financial	financial	ADJ
asfbr-556	118	5	review	review	NOUN
asfbr-556	118	6	.	.	PUNCT
asfbr-556	119	1	5(6	5(6	NUM
asfbr-556	119	2	)	)	PUNCT
asfbr-556	119	3	,	,	PUNCT
asfbr-556	119	4	868	868	NUM
asfbr-556	119	5	-	-	SYM
asfbr-556	119	6	882	882	NUM
asfbr-556	119	7	hamisu	hamisu	NOUN
asfbr-556	119	8	,	,	PUNCT
asfbr-556	119	9	s.k	s.k	PROPN
asfbr-556	119	10	.	.	PUNCT
asfbr-556	119	11	(	(	PUNCT
asfbr-556	119	12	2011	2011	NUM
asfbr-556	119	13	)	)	PUNCT
asfbr-556	119	14	.	.	PUNCT
asfbr-556	120	1	credit	credit	NOUN
asfbr-556	120	2	risk	risk	NOUN
asfbr-556	120	3	and	and	CCONJ
asfbr-556	120	4	the	the	DET
asfbr-556	120	5	performance	performance	NOUN
asfbr-556	120	6	of	of	ADP
asfbr-556	120	7	nigerian	nigerian	ADJ
asfbr-556	120	8	banks	bank	NOUN
asfbr-556	120	9	,	,	PUNCT
asfbr-556	120	10	department	department	NOUN
asfbr-556	120	11	of	of	ADP
asfbr-556	120	12	accounting	accounting	NOUN
asfbr-556	120	13	,	,	PUNCT
asfbr-556	120	14	ahmadu	ahmadu	PROPN
asfbr-556	120	15	bello	bello	PROPN
asfbr-556	120	16	university	university	PROPN
asfbr-556	120	17	,	,	PUNCT
asfbr-556	120	18	zaria	zaria	PROPN
asfbr-556	120	19	,	,	PUNCT
asfbr-556	120	20	nigeria	nigeria	PROPN
asfbr-556	120	21	.	.	PUNCT
asfbr-556	121	1	iwedi	iwedi	PROPN
asfbr-556	121	2	,	,	PUNCT
asfbr-556	121	3	m.	m.	NOUN
asfbr-556	121	4	&	&	CCONJ
asfbr-556	121	5	onuegbu	onuegbu	PROPN
asfbr-556	121	6	,	,	PUNCT
asfbr-556	121	7	o.	o.	PROPN
asfbr-556	121	8	(	(	PUNCT
asfbr-556	121	9	2014	2014	NUM
asfbr-556	121	10	)	)	PUNCT
asfbr-556	121	11	.	.	PUNCT
asfbr-556	122	1	credit	credit	NOUN
asfbr-556	122	2	risk	risk	NOUN
asfbr-556	122	3	and	and	CCONJ
asfbr-556	122	4	performance	performance	NOUN
asfbr-556	122	5	of	of	ADP
asfbr-556	122	6	selected	select	VERB
asfbr-556	122	7	deposits	deposit	NOUN
asfbr-556	122	8	money	money	NOUN
asfbr-556	122	9	banks	bank	NOUN
asfbr-556	122	10	in	in	ADP
asfbr-556	122	11	nigeria	nigeria	PROPN
asfbr-556	122	12	:	:	PUNCT
asfbr-556	122	13	an	an	DET
asfbr-556	122	14	empirical	empirical	ADJ
asfbr-556	122	15	investigation	investigation	NOUN
asfbr-556	122	16	.	.	PUNCT
asfbr-556	123	1	european	european	ADJ
asfbr-556	123	2	journal	journal	PROPN
asfbr-556	123	3	of	of	ADP
asfbr-556	123	4	humanities	humanity	NOUN
asfbr-556	123	5	and	and	CCONJ
asfbr-556	123	6	social	social	ADJ
asfbr-556	123	7	sciences	science	NOUN
asfbr-556	123	8	,	,	PUNCT
asfbr-556	123	9	31(1	31(1	NUM
asfbr-556	123	10	)	)	PUNCT
asfbr-556	123	11	,	,	PUNCT
asfbr-556	123	12	1684	1684	NUM
asfbr-556	123	13	-	-	SYM
asfbr-556	123	14	1694	1694	NUM
asfbr-556	123	15	.	.	PUNCT
asfbr-556	124	1	kolapo	kolapo	PROPN
asfbr-556	124	2	,	,	PUNCT
asfbr-556	124	3	t.	t.	PROPN
asfbr-556	124	4	f.	f.	PROPN
asfbr-556	124	5	,	,	PUNCT
asfbr-556	124	6	ayeni	ayeni	PROPN
asfbr-556	124	7	,	,	PUNCT
asfbr-556	124	8	r.	r.	PROPN
asfbr-556	124	9	k.	k.	PROPN
asfbr-556	124	10	&	&	CCONJ
asfbr-556	124	11	oke	oke	PROPN
asfbr-556	124	12	,	,	PUNCT
asfbr-556	124	13	m.	m.	NOUN
asfbr-556	124	14	o.	o.	PROPN
asfbr-556	125	1	(	(	PUNCT
asfbr-556	125	2	2012).credit	2012).credit	NUM
asfbr-556	125	3	risk	risk	NOUN
asfbr-556	125	4	and	and	CCONJ
asfbr-556	125	5	commercial	commercial	ADJ
asfbr-556	125	6	banks	bank	NOUN
asfbr-556	125	7	’	'	PUNCT
asfbr-556	125	8	performance	performance	NOUN
asfbr-556	125	9	in	in	ADP
asfbr-556	125	10	nigeria	nigeria	PROPN
asfbr-556	125	11	:	:	PUNCT
asfbr-556	125	12	a	a	DET
asfbr-556	125	13	panel	panel	NOUN
asfbr-556	125	14	model	model	NOUN
asfbr-556	125	15	approach	approach	NOUN
asfbr-556	125	16	.	.	PUNCT
asfbr-556	126	1	australian	australian	ADJ
asfbr-556	126	2	journal	journal	NOUN
asfbr-556	126	3	of	of	ADP
asfbr-556	126	4	business	business	NOUN
asfbr-556	126	5	and	and	CCONJ
asfbr-556	126	6	management	management	NOUN
asfbr-556	126	7	research	research	NOUN
asfbr-556	126	8	,	,	PUNCT
asfbr-556	126	9	2(2	2(2	NUM
asfbr-556	126	10	)	)	PUNCT
asfbr-556	126	11	,	,	PUNCT
asfbr-556	126	12	31	31	NUM
asfbr-556	126	13	-	-	SYM
asfbr-556	126	14	38	38	NUM
asfbr-556	126	15	.	.	PUNCT
asfbr-556	127	1	muhammad	muhammad	PROPN
asfbr-556	127	2	,	,	PUNCT
asfbr-556	127	3	f.	f.	PROPN
asfbr-556	127	4	,	,	PUNCT
asfbr-556	127	5	ammara	ammara	PROPN
asfbr-556	127	6	s.	s.	PROPN
asfbr-556	127	7	,	,	PUNCT
asfbr-556	127	8	abrar	abrar	PROPN
asfbr-556	127	9	,	,	PUNCT
asfbr-556	127	10	h.c	h.c	PROPN
asfbr-556	127	11	,	,	PUNCT
asfbr-556	127	12	&	&	CCONJ
asfbr-556	127	13	fareeha	fareeha	ADV
asfbr-556	127	14	,	,	PUNCT
asfbr-556	127	15	k.	k.	PROPN
asfbr-556	127	16	(	(	PUNCT
asfbr-556	127	17	2012	2012	NUM
asfbr-556	127	18	)	)	PUNCT
asfbr-556	127	19	.	.	PUNCT
asfbr-556	128	1	economic	economic	ADJ
asfbr-556	128	2	determinants	determinant	NOUN
asfbr-556	128	3	of	of	ADP
asfbr-556	128	4	nonperforming	nonperforme	VERB
asfbr-556	128	5	loans	loan	NOUN
asfbr-556	128	6	:	:	PUNCT
asfbr-556	128	7	perception	perception	NOUN
asfbr-556	128	8	of	of	ADP
asfbr-556	128	9	pakistan	pakistan	PROPN
asfbr-556	128	10	bankers	banker	NOUN
asfbr-556	128	11	.	.	PUNCT
asfbr-556	129	1	european	european	PROPN
asfbr-556	129	2	journal	journal	PROPN
asfbr-556	129	3	of	of	ADP
asfbr-556	129	4	business	business	NOUN
asfbr-556	129	5	and	and	CCONJ
asfbr-556	129	6	management	management	NOUN
asfbr-556	129	7	.	.	PUNCT
asfbr-556	130	1	4(2	4(2	NUM
asfbr-556	130	2	)	)	PUNCT
asfbr-556	130	3	,	,	PUNCT
asfbr-556	130	4	20	20	NUM
asfbr-556	130	5	-	-	SYM
asfbr-556	130	6	29	29	NUM
asfbr-556	130	7	.	.	PUNCT
asfbr-556	131	1	salas	sala	NOUN
asfbr-556	131	2	,	,	PUNCT
asfbr-556	131	3	v.	v.	PROPN
asfbr-556	131	4	&	&	CCONJ
asfbr-556	131	5	sanrina	sanrina	PROPN
asfbr-556	131	6	,	,	PUNCT
asfbr-556	131	7	k	k	PROPN
asfbr-556	131	8	(	(	PUNCT
asfbr-556	131	9	2006	2006	NUM
asfbr-556	131	10	)	)	PUNCT
asfbr-556	131	11	credit	credit	NOUN
asfbr-556	131	12	risk	risk	NOUN
asfbr-556	131	13	in	in	ADP
asfbr-556	131	14	two	two	NUM
asfbr-556	131	15	international	international	ADJ
asfbr-556	131	16	setting	setting	NOUN
asfbr-556	131	17	:	:	PUNCT
asfbr-556	131	18	spainish	spainish	ADJ
asfbr-556	131	19	commercial	commercial	ADJ
asfbr-556	131	20	and	and	CCONJ
asfbr-556	131	21	savings	saving	NOUN
asfbr-556	131	22	bank	bank	NOUN
asfbr-556	131	23	.	.	PUNCT
asfbr-556	132	1	journal	journal	PROPN
asfbr-556	132	2	of	of	ADP
asfbr-556	132	3	finance	finance	NOUN
asfbr-556	132	4	services	service	NOUN
asfbr-556	132	5	research	research	NOUN
asfbr-556	132	6	,	,	PUNCT
asfbr-556	132	7	22(3	22(3	NUM
asfbr-556	132	8	)	)	PUNCT
asfbr-556	132	9	,	,	PUNCT
asfbr-556	132	10	203	203	NUM
asfbr-556	132	11	-	-	SYM
asfbr-556	132	12	224	224	NUM
asfbr-556	132	13	.	.	PUNCT
asfbr-556	133	1	saba	saba	PROPN
asfbr-556	133	2	,	,	PUNCT
asfbr-556	133	3	i.	i.	PROPN
asfbr-556	133	4	kouser	kouser	PROPN
asfbr-556	133	5	,	,	PUNCT
asfbr-556	133	6	r.	r.	PROPN
asfbr-556	133	7	&	&	CCONJ
asfbr-556	133	8	azeem	azeem	PROPN
asfbr-556	133	9	,	,	PUNCT
asfbr-556	133	10	m.	m.	NOUN
asfbr-556	133	11	(	(	PUNCT
asfbr-556	133	12	2012	2012	NUM
asfbr-556	133	13	)	)	PUNCT
asfbr-556	133	14	.	.	PUNCT
asfbr-556	134	1	determinants	determinant	NOUN
asfbr-556	134	2	of	of	ADP
asfbr-556	134	3	non	non	ADJ
asfbr-556	134	4	-	-	ADJ
asfbr-556	134	5	performing	performing	ADJ
asfbr-556	134	6	loans	loan	NOUN
asfbr-556	134	7	:	:	PUNCT
asfbr-556	134	8	case	case	NOUN
asfbr-556	134	9	of	of	ADP
asfbr-556	134	10	us	us	PROPN
asfbr-556	134	11	banking	banking	NOUN
asfbr-556	134	12	sector	sector	NOUN
asfbr-556	134	13	,	,	PUNCT
asfbr-556	134	14	international	international	ADJ
asfbr-556	134	15	journal	journal	NOUN
asfbr-556	134	16	of	of	ADP
asfbr-556	134	17	banking	banking	NOUN
asfbr-556	134	18	and	and	CCONJ
asfbr-556	134	19	finance	finance	NOUN
asfbr-556	134	20	,	,	PUNCT
asfbr-556	134	21	4(4	4(4	NUM
asfbr-556	134	22	)	)	PUNCT
asfbr-556	134	23	,	,	PUNCT
asfbr-556	134	24	479	479	NUM
asfbr-556	134	25	-	-	SYM
asfbr-556	134	26	488	488	NUM
asfbr-556	134	27	.	.	PUNCT
asfbr-556	135	1	sinkey	sinkey	PROPN
asfbr-556	135	2	,	,	PUNCT
asfbr-556	135	3	h.	h.	PROPN
asfbr-556	135	4	,	,	PUNCT
asfbr-556	135	5	&	&	CCONJ
asfbr-556	135	6	greenwalt	greenwalt	PROPN
asfbr-556	135	7	j.	j.	PROPN
asfbr-556	135	8	(	(	PUNCT
asfbr-556	135	9	1990	1990	NUM
asfbr-556	135	10	)	)	PUNCT
asfbr-556	135	11	.	.	PUNCT
asfbr-556	136	1	determinant	determinant	ADJ
asfbr-556	136	2	of	of	ADP
asfbr-556	136	3	non	non	ADJ
asfbr-556	136	4	-	-	ADJ
asfbr-556	136	5	performing	performing	ADJ
asfbr-556	136	6	loans	loan	NOUN
asfbr-556	136	7	in	in	ADP
asfbr-556	136	8	guyana	guyana	PROPN
asfbr-556	136	9	-	-	PUNCT
asfbr-556	136	10	research	research	NOUN
asfbr-556	136	11	gate	gate	NOUN
asfbr-556	136	12	.	.	PUNCT
asfbr-556	137	1	warue	warue	PROPN
asfbr-556	137	2	,	,	PUNCT
asfbr-556	137	3	b.	b.	PROPN
asfbr-556	137	4	n.	n.	PROPN
asfbr-556	137	5	(	(	PUNCT
asfbr-556	137	6	2013	2013	NUM
asfbr-556	137	7	)	)	PUNCT
asfbr-556	137	8	.	.	PUNCT
asfbr-556	138	1	the	the	DET
asfbr-556	138	2	effects	effect	NOUN
asfbr-556	138	3	of	of	ADP
asfbr-556	138	4	bank	bank	NOUN
asfbr-556	138	5	and	and	CCONJ
asfbr-556	138	6	macroeconomic	macroeconomic	ADJ
asfbr-556	138	7	factors	factor	NOUN
asfbr-556	138	8	on	on	ADP
asfbr-556	138	9	nonperforming	nonperforme	VERB
asfbr-556	138	10	loans	loan	NOUN
asfbr-556	138	11	in	in	ADP
asfbr-556	138	12	commercial	commercial	ADJ
asfbr-556	138	13	banks	bank	NOUN
asfbr-556	138	14	in	in	ADP
asfbr-556	138	15	kenya	kenya	PROPN
asfbr-556	138	16	:	:	PUNCT
asfbr-556	138	17	a	a	DET
asfbr-556	138	18	comparative	comparative	ADJ
asfbr-556	138	19	panel	panel	NOUN
asfbr-556	138	20	data	data	VERB
asfbr-556	138	21	analysis	analysis	NOUN
asfbr-556	138	22	.	.	PUNCT
asfbr-556	139	1	advances	advance	NOUN
asfbr-556	139	2	in	in	ADP
asfbr-556	139	3	management	management	NOUN
asfbr-556	139	4	and	and	CCONJ
asfbr-556	139	5	applied	apply	VERB
asfbr-556	139	6	economics	economic	NOUN
asfbr-556	139	7	,	,	PUNCT
asfbr-556	139	8	3(2	3(2	NUM
asfbr-556	139	9	)	)	PUNCT
asfbr-556	139	10	,	,	PUNCT
asfbr-556	139	11	135	135	NUM
asfbr-556	139	12	-	-	SYM
asfbr-556	139	13	164	164	NUM
asfbr-556	139	14	.	.	PUNCT
asfbr-556	140	1	appendix	appendix	VERB
asfbr-556	140	2	year	year	NOUN
asfbr-556	140	3	lnnpl	lnnpl	PROPN
asfbr-556	140	4	lnbcir	lnbcir	PROPN
asfbr-556	140	5	lnbcd	lnbcd	PROPN
asfbr-556	140	6	lnroa	lnroa	PROPN
asfbr-556	140	7	lntdp	lntdp	PROPN
asfbr-556	140	8	1986	1986	NUM
asfbr-556	140	9	1.311754	1.311754	NUM
asfbr-556	140	10	1.85901	1.85901	NUM
asfbr-556	140	11	1.890086	1.890086	NUM
asfbr-556	140	12	0.372822	0.372822	NUM
asfbr-556	140	13	1.352954	1.352954	NUM
asfbr-556	140	14	1987	1987	NUM
asfbr-556	140	15	1.334454	1.334454	NUM
asfbr-556	140	16	1.864371	1.864371	NUM
asfbr-556	140	17	1.903416	1.903416	NUM
asfbr-556	140	18	0.370515	0.370515	NUM
asfbr-556	140	19	1.235528	1.235528	NUM
asfbr-556	140	20	1988	1988	NUM
asfbr-556	140	21	1.334454	1.334454	NUM
asfbr-556	140	22	1.869667	1.869667	NUM
asfbr-556	140	23	1.859978	1.859978	NUM
asfbr-556	140	24	0.368194	0.368194	NUM
asfbr-556	140	25	1.248709	1.248709	NUM
asfbr-556	140	26	1989	1989	NUM
asfbr-556	140	27	0.968483	0.968483	NUM
asfbr-556	140	28	1.874899	1.874899	NUM
asfbr-556	140	29	1.86976	1.86976	NUM
asfbr-556	140	30	0.365862	0.365862	NUM
asfbr-556	140	31	1.135769	1.135769	NUM
asfbr-556	140	32	1990	1990	NUM
asfbr-556	140	33	0.977724	0.977724	NUM
asfbr-556	141	1	1.880068	1.880068	NUM
asfbr-556	141	2	1.848497	1.848497	NUM
asfbr-556	141	3	0.363516	0.363516	NUM
asfbr-556	141	4	0.812245	0.812245	NUM
asfbr-556	141	5	1991	1991	NUM
asfbr-556	141	6	0.856729	0.856729	NUM
asfbr-556	141	7	1.745777	1.745777	NUM
asfbr-556	141	8	1.786893	1.786893	NUM
asfbr-556	141	9	0.361158	0.361158	NUM
asfbr-556	141	10	0.871573	0.871573	NUM
asfbr-556	141	11	1992	1992	NUM
asfbr-556	141	12	1.571126	1.571126	NUM
asfbr-556	141	13	1.786041	1.786041	NUM
asfbr-556	141	14	1.863025	1.863025	NUM
asfbr-556	141	15	0.358787	0.358787	NUM
asfbr-556	141	16	0.895423	0.895423	NUM
asfbr-556	141	17	1993	1993	NUM
asfbr-556	141	18	1.304059	1.304059	NUM
asfbr-556	141	19	1.765147	1.765147	NUM
asfbr-556	141	20	1.885531	1.885531	NUM
asfbr-556	141	21	0.356403	0.356403	NUM
asfbr-556	141	22	0.964731	0.964731	NUM
asfbr-556	141	23	1994	1994	NUM
asfbr-556	141	24	0.761176	0.761176	NUM
asfbr-556	141	25	1.774955	1.774955	NUM
asfbr-556	141	26	1.877371	1.877371	NUM
asfbr-556	141	27	0.354006	0.354006	NUM
asfbr-556	141	28	0.930949	0.930949	NUM
asfbr-556	141	29	1995	1995	NUM
asfbr-556	141	30	0.569374	0.569374	NUM
asfbr-556	141	31	1.745777	1.745777	NUM
asfbr-556	141	32	1.971461	1.971461	NUM
asfbr-556	141	33	0.351596	0.351596	NUM
asfbr-556	141	34	0.826075	0.826075	NUM
asfbr-556	141	35	1996	1996	NUM
asfbr-556	141	36	0.5302	0.5302	NUM
asfbr-556	141	37	1.83512	1.83512	NUM
asfbr-556	141	38	2.016114	2.016114	NUM
asfbr-556	141	39	0.349172	0.349172	NUM
asfbr-556	141	40	0.783189	0.783189	NUM
asfbr-556	141	41	1997	1997	NUM
asfbr-556	141	42	0.326336	0.326336	NUM
asfbr-556	141	43	1.825296	1.825296	NUM
asfbr-556	141	44	2.028449	2.028449	NUM
asfbr-556	141	45	0.222716	0.222716	NUM
asfbr-556	141	46	0.813581	0.813581	NUM
asfbr-556	141	47	1998	1998	NUM
asfbr-556	141	48	1.287802	1.287802	NUM
asfbr-556	141	49	1.745777	1.745777	NUM
asfbr-556	141	50	2.026656	2.026656	NUM
asfbr-556	141	51	0.522444	0.522444	NUM
asfbr-556	141	52	0.843855	0.843855	NUM
asfbr-556	141	53	1999	1999	NUM
asfbr-556	141	54	1.40824	1.40824	NUM
asfbr-556	141	55	1.786041	1.786041	NUM
asfbr-556	141	56	1.97635	1.97635	NUM
asfbr-556	141	57	0.164353	0.164353	NUM
asfbr-556	141	58	0.9154	0.9154	NUM
asfbr-556	141	59	2000	2000	NUM
asfbr-556	141	60	1.354108	1.354108	NUM
asfbr-556	141	61	1.765147	1.765147	NUM
asfbr-556	141	62	1.915769	1.915769	NUM
asfbr-556	141	63	0.457882	0.457882	NUM
asfbr-556	141	64	0.960471	0.960471	NUM
asfbr-556	141	65	copyright	copyright	NOUN
asfbr-556	141	66	©	©	PROPN
asfbr-556	141	67	cc	cc	NOUN
asfbr-556	141	68	-	-	PUNCT
asfbr-556	141	69	by	by	ADP
asfbr-556	141	70	-	-	PUNCT
asfbr-556	141	71	nc	nc	PROPN
asfbr-556	141	72	2020	2020	NUM
asfbr-556	141	73	,	,	PUNCT
asfbr-556	141	74	cribfb	cribfb	VERB
asfbr-556	141	75	|	|	ADV
asfbr-556	141	76	asfbr	asfbr	NOUN
asfbr-556	141	77	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-556	141	78	asian	asian	ADJ
asfbr-556	141	79	finance	finance	PROPN
asfbr-556	141	80	&	&	CCONJ
asfbr-556	141	81	banking	banking	PROPN
asfbr-556	141	82	review	review	PROPN
asfbr-556	141	83	vol	vol	NOUN
asfbr-556	141	84	.	.	PROPN
asfbr-556	142	1	4	4	NUM
asfbr-556	142	2	,	,	PUNCT
asfbr-556	142	3	no	no	INTJ
asfbr-556	142	4	.	.	NOUN
asfbr-556	142	5	1	1	NUM
asfbr-556	142	6	;	;	PUNCT
asfbr-556	142	7	2020	2020	NUM
asfbr-556	142	8	23	23	NUM
asfbr-556	142	9	2001	2001	NUM
asfbr-556	142	10	1.294466	1.294466	NUM
asfbr-556	142	11	1.774955	1.774955	NUM
asfbr-556	142	12	1.911584	1.911584	NUM
asfbr-556	142	13	0.614897	0.614897	NUM
asfbr-556	142	14	1.03583	1.03583	NUM
asfbr-556	142	15	2002	2002	NUM
asfbr-556	142	16	1.330414	1.330414	NUM
asfbr-556	143	1	1.767823	1.767823	NUM
asfbr-556	143	2	1.914343	1.914343	NUM
asfbr-556	143	3	0.5302	0.5302	NUM
asfbr-556	143	4	0.984077	0.984077	NUM
asfbr-556	143	5	2003	2003	NUM
asfbr-556	143	6	1.311754	1.311754	NUM
asfbr-556	143	7	1.836007	1.836007	NUM
asfbr-556	143	8	1.92557	1.92557	NUM
asfbr-556	143	9	0.401401	0.401401	NUM
asfbr-556	143	10	0.974972	0.974972	NUM
asfbr-556	143	11	2004	2004	NUM
asfbr-556	143	12	1.334454	1.334454	NUM
asfbr-556	143	13	1.848189	1.848189	NUM
asfbr-556	143	14	1.956313	1.956313	NUM
asfbr-556	143	15	0.374748	0.374748	NUM
asfbr-556	143	16	0.932981	0.932981	NUM
asfbr-556	143	17	2005	2005	NUM
asfbr-556	143	18	1.334454	1.334454	NUM
asfbr-556	143	19	1.815777	1.815777	NUM
asfbr-556	143	20	1.971137	1.971137	NUM
asfbr-556	143	21	0.392697	0.392697	NUM
asfbr-556	143	22	0.940018	0.940018	NUM
asfbr-556	143	23	2006	2006	NUM
asfbr-556	143	24	0.968483	0.968483	NUM
asfbr-556	144	1	1.832253	1.832253	NUM
asfbr-556	144	2	1.95564	1.95564	NUM
asfbr-556	144	3	0.403121	0.403121	NUM
asfbr-556	144	4	0.942008	0.942008	NUM
asfbr-556	144	5	2007	2007	NUM
asfbr-556	144	6	0.977724	0.977724	NUM
asfbr-556	145	1	1.790567	1.790567	NUM
asfbr-556	145	2	1.978911	1.978911	NUM
asfbr-556	145	3	0.567026	0.567026	NUM
asfbr-556	145	4	1.082785	1.082785	NUM
asfbr-556	145	5	2008	2008	NUM
asfbr-556	145	6	0.856729	0.856729	NUM
asfbr-556	145	7	1.761101	1.761101	NUM
asfbr-556	145	8	2.009366	2.009366	NUM
asfbr-556	145	9	0.521138	0.521138	NUM
asfbr-556	145	10	1.227115	1.227115	NUM
asfbr-556	145	11	2009	2009	NUM
asfbr-556	145	12	1.571126	1.571126	NUM
asfbr-556	145	13	1.910464	1.910464	NUM
asfbr-556	145	14	2.016657	2.016657	NUM
asfbr-556	145	15	0.581153	0.581153	NUM
asfbr-556	145	16	1.287802	1.287802	NUM
asfbr-556	145	17	2010	2010	NUM
asfbr-556	145	18	1.304059	1.304059	NUM
asfbr-556	145	19	1.85685	1.85685	NUM
asfbr-556	145	20	1.977449	1.977449	NUM
asfbr-556	145	21	0.528917	0.528917	NUM
asfbr-556	145	22	1.243534	1.243534	NUM
asfbr-556	145	23	2011	2011	NUM
asfbr-556	145	24	0.761176	0.761176	NUM
asfbr-556	145	25	1.842983	1.842983	NUM
asfbr-556	145	26	1.887617	1.887617	NUM
asfbr-556	145	27	-1.04576	-1.04576	NOUN
asfbr-556	145	28	1.228144	1.228144	NUM
asfbr-556	145	29	2012	2012	NUM
asfbr-556	145	30	0.569374	0.569374	NUM
asfbr-556	145	31	1.791059	1.791059	NUM
asfbr-556	145	32	1.821382	1.821382	NUM
asfbr-556	145	33	0.511883	0.511883	NUM
asfbr-556	145	34	1.240799	1.240799	NUM
asfbr-556	145	35	2013	2013	NUM
asfbr-556	145	36	0.5302	0.5302	NUM
asfbr-556	146	1	1.807535	1.807535	NUM
asfbr-556	146	2	1.809358	1.809358	NUM
asfbr-556	146	3	0.361728	0.361728	NUM
asfbr-556	146	4	1.254064	1.254064	NUM
asfbr-556	146	5	2014	2014	NUM
asfbr-556	146	6	0.471292	0.471292	NUM
asfbr-556	146	7	1.795254	1.795254	NUM
asfbr-556	146	8	1.857332	1.857332	NUM
asfbr-556	146	9	0.367356	0.367356	NUM
asfbr-556	146	10	1.253096	1.253096	NUM
asfbr-556	146	11	2015	2015	NUM
asfbr-556	146	12	0.686636	0.686636	NUM
asfbr-556	146	13	1.834201	1.834201	NUM
asfbr-556	146	14	1.899711	1.899711	NUM
asfbr-556	146	15	0.230449	0.230449	NUM
asfbr-556	146	16	1.247728	1.247728	NUM
asfbr-556	146	17	2016	2016	NUM
asfbr-556	146	18	1.107888	1.107888	NUM
asfbr-556	146	19	1.836546	1.836546	NUM
asfbr-556	146	20	1.928908	1.928908	NUM
asfbr-556	146	21	0.260071	0.260071	NUM
asfbr-556	146	22	1.237292	1.237292	NUM
asfbr-556	146	23	2017	2017	NUM
asfbr-556	146	24	1.170555	1.170555	NUM
asfbr-556	146	25	1.838879	1.838879	NUM
asfbr-556	146	26	1.886247	1.886247	NUM
asfbr-556	146	27	0.336932	0.336932	NUM
asfbr-556	146	28	1.248219	1.248219	NUM
asfbr-556	146	29	copyrights	copyright	NOUN
asfbr-556	146	30	copyright	copyright	NOUN
asfbr-556	146	31	for	for	ADP
asfbr-556	146	32	this	this	DET
asfbr-556	146	33	article	article	NOUN
asfbr-556	146	34	is	be	AUX
asfbr-556	146	35	retained	retain	VERB
asfbr-556	146	36	by	by	ADP
asfbr-556	146	37	the	the	DET
asfbr-556	146	38	author(s	author(s	PROPN
asfbr-556	146	39	)	)	PUNCT
asfbr-556	146	40	,	,	PUNCT
asfbr-556	146	41	with	with	ADP
asfbr-556	146	42	first	first	ADJ
asfbr-556	146	43	publication	publication	NOUN
asfbr-556	146	44	rights	right	NOUN
asfbr-556	146	45	granted	grant	VERB
asfbr-556	146	46	to	to	ADP
asfbr-556	146	47	the	the	DET
asfbr-556	146	48	journal	journal	NOUN
asfbr-556	146	49	.	.	PUNCT
asfbr-556	147	1	this	this	PRON
asfbr-556	147	2	is	be	AUX
asfbr-556	147	3	an	an	DET
asfbr-556	147	4	open	open	ADJ
asfbr-556	147	5	-	-	PUNCT
asfbr-556	147	6	access	access	NOUN
asfbr-556	147	7	article	article	NOUN
asfbr-556	147	8	distributed	distribute	VERB
asfbr-556	147	9	under	under	ADP
asfbr-556	147	10	the	the	DET
asfbr-556	147	11	terms	term	NOUN
asfbr-556	147	12	and	and	CCONJ
asfbr-556	147	13	conditions	condition	NOUN
asfbr-556	147	14	of	of	ADP
asfbr-556	147	15	the	the	DET
asfbr-556	147	16	creative	creative	ADJ
asfbr-556	147	17	commons	common	NOUN
asfbr-556	147	18	attribution	attribution	NOUN
asfbr-556	147	19	license	license	NOUN
asfbr-556	147	20	(	(	PUNCT
asfbr-556	147	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-556	147	22	)	)	PUNCT
asfbr-556	147	23	.	.	PUNCT
