id	sid	tid	token	lemma	pos
asfbr-222	1	1	asian	asian	PROPN
asfbr-222	1	2	finance	finance	PROPN
asfbr-222	1	3	&	&	CCONJ
asfbr-222	1	4	banking	banking	PROPN
asfbr-222	1	5	review	review	PROPN
asfbr-222	1	6	;	;	PUNCT
asfbr-222	1	7	vol	vol	NOUN
asfbr-222	1	8	.	.	NOUN
asfbr-222	2	1	2	2	NUM
asfbr-222	2	2	,	,	PUNCT
asfbr-222	2	3	no	no	INTJ
asfbr-222	2	4	.	.	NOUN
asfbr-222	2	5	2	2	NUM
asfbr-222	2	6	;	;	PUNCT
asfbr-222	2	7	2018	2018	NUM
asfbr-222	2	8	issn	issn	VERB
asfbr-222	2	9	2576	2576	NUM
asfbr-222	2	10	-	-	PUNCT
asfbr-222	2	11	1161e	1161e	NUM
asfbr-222	2	12	-	-	PUNCT
asfbr-222	2	13	issn	issn	PROPN
asfbr-222	2	14	2576	2576	NUM
asfbr-222	2	15	-	-	SYM
asfbr-222	2	16	1188	1188	NUM
asfbr-222	2	17	impact	impact	NOUN
asfbr-222	2	18	factor	factor	NOUN
asfbr-222	2	19	:	:	PUNCT
asfbr-222	2	20	3.3	3.3	NUM
asfbr-222	2	21	published	publish	VERB
asfbr-222	2	22	by	by	ADP
asfbr-222	2	23	centre	centre	NOUN
asfbr-222	2	24	for	for	ADP
asfbr-222	2	25	research	research	NOUN
asfbr-222	2	26	on	on	ADP
asfbr-222	2	27	islamic	islamic	ADJ
asfbr-222	2	28	banking	banking	PROPN
asfbr-222	2	29	&	&	CCONJ
asfbr-222	2	30	finance	finance	PROPN
asfbr-222	2	31	and	and	CCONJ
asfbr-222	2	32	business	business	NOUN
asfbr-222	2	33	33	33	NUM
asfbr-222	2	34	evaluating	evaluating	NOUN
asfbr-222	2	35	loan	loan	NOUN
asfbr-222	2	36	loss	loss	NOUN
asfbr-222	2	37	provisioning	provisioning	NOUN
asfbr-222	2	38	for	for	ADP
asfbr-222	2	39	non	non	ADJ
asfbr-222	2	40	-	-	ADJ
asfbr-222	2	41	performing	performing	ADJ
asfbr-222	2	42	loans	loan	NOUN
asfbr-222	2	43	and	and	CCONJ
asfbr-222	2	44	its	its	PRON
asfbr-222	2	45	impact	impact	NOUN
asfbr-222	2	46	on	on	ADP
asfbr-222	2	47	the	the	DET
asfbr-222	2	48	profitability	profitability	NOUN
asfbr-222	2	49	of	of	ADP
asfbr-222	2	50	commercial	commercial	ADJ
asfbr-222	2	51	banks	bank	NOUN
asfbr-222	2	52	in	in	ADP
asfbr-222	2	53	bangladesh	bangladesh	PROPN
asfbr-222	3	1	fakir	fakir	PROPN
asfbr-222	3	2	tajul	tajul	PROPN
asfbr-222	3	3	islam	islam	PROPN
asfbr-222	3	4	assistant	assistant	PROPN
asfbr-222	3	5	professor	professor	PROPN
asfbr-222	3	6	faculty	faculty	NOUN
asfbr-222	3	7	of	of	ADP
asfbr-222	3	8	business	business	PROPN
asfbr-222	3	9	administration	administration	PROPN
asfbr-222	3	10	eastern	eastern	PROPN
asfbr-222	3	11	university	university	PROPN
asfbr-222	3	12	,	,	PUNCT
asfbr-222	3	13	bangladesh	bangladesh	NOUN
asfbr-222	3	14	e	e	NOUN
asfbr-222	3	15	-	-	NOUN
asfbr-222	3	16	mail	mail	NOUN
asfbr-222	3	17	:	:	PUNCT
asfbr-222	3	18	ftiprince_gb@yahoo.com	ftiprince_gb@yahoo.com	PROPN
asfbr-222	3	19	received	receive	VERB
asfbr-222	3	20	:	:	PUNCT
asfbr-222	3	21	december	december	PROPN
asfbr-222	3	22	1	1	NUM
asfbr-222	3	23	,	,	PUNCT
asfbr-222	3	24	2018	2018	NUM
asfbr-222	3	25	accepted	accept	VERB
asfbr-222	3	26	:	:	PUNCT
asfbr-222	3	27	december	december	PROPN
asfbr-222	3	28	15	15	NUM
asfbr-222	3	29	,	,	PUNCT
asfbr-222	3	30	2018	2018	NUM
asfbr-222	3	31	online	online	ADV
asfbr-222	3	32	published	publish	VERB
asfbr-222	3	33	:	:	PUNCT
asfbr-222	3	34	december	december	PROPN
asfbr-222	3	35	21	21	NUM
asfbr-222	3	36	,	,	PUNCT
asfbr-222	3	37	2018	2018	NUM
asfbr-222	3	38	abstract	abstract	NOUN
asfbr-222	3	39	through	through	ADP
asfbr-222	3	40	the	the	DET
asfbr-222	3	41	collection	collection	NOUN
asfbr-222	3	42	and	and	CCONJ
asfbr-222	3	43	disbursement	disbursement	NOUN
asfbr-222	3	44	of	of	ADP
asfbr-222	3	45	money	money	NOUN
asfbr-222	3	46	,	,	PUNCT
asfbr-222	3	47	banks	bank	NOUN
asfbr-222	3	48	often	often	ADV
asfbr-222	3	49	face	face	VERB
asfbr-222	3	50	the	the	DET
asfbr-222	3	51	risk	risk	NOUN
asfbr-222	3	52	of	of	ADP
asfbr-222	3	53	default	default	NOUN
asfbr-222	3	54	of	of	ADP
asfbr-222	3	55	the	the	DET
asfbr-222	3	56	loan	loan	NOUN
asfbr-222	3	57	.	.	PUNCT
asfbr-222	4	1	these	these	DET
asfbr-222	4	2	nonperforming	nonperforme	VERB
asfbr-222	4	3	loans	loan	NOUN
asfbr-222	4	4	(	(	PUNCT
asfbr-222	4	5	npls	npls	NOUN
asfbr-222	4	6	)	)	PUNCT
asfbr-222	4	7	should	should	AUX
asfbr-222	4	8	be	be	AUX
asfbr-222	4	9	identified	identify	VERB
asfbr-222	4	10	and	and	CCONJ
asfbr-222	4	11	cared	care	VERB
asfbr-222	4	12	for	for	ADP
asfbr-222	4	13	avoiding	avoid	VERB
asfbr-222	4	14	vulnerability	vulnerability	NOUN
asfbr-222	4	15	to	to	ADP
asfbr-222	4	16	other	other	ADJ
asfbr-222	4	17	risk	risk	NOUN
asfbr-222	4	18	.	.	PUNCT
asfbr-222	5	1	banks	bank	NOUN
asfbr-222	5	2	may	may	AUX
asfbr-222	5	3	mitigate	mitigate	VERB
asfbr-222	5	4	this	this	DET
asfbr-222	5	5	risk	risk	NOUN
asfbr-222	5	6	using	use	VERB
asfbr-222	5	7	loan	loan	NOUN
asfbr-222	5	8	loss	loss	NOUN
asfbr-222	5	9	provisioning	provisioning	NOUN
asfbr-222	5	10	(	(	PUNCT
asfbr-222	5	11	llp	llp	PROPN
asfbr-222	5	12	)	)	PUNCT
asfbr-222	5	13	.	.	PUNCT
asfbr-222	6	1	using	use	VERB
asfbr-222	6	2	the	the	DET
asfbr-222	6	3	aggregate	aggregate	ADJ
asfbr-222	6	4	data	datum	NOUN
asfbr-222	6	5	of	of	ADP
asfbr-222	6	6	56	56	NUM
asfbr-222	6	7	commercial	commercial	ADJ
asfbr-222	6	8	banks	bank	NOUN
asfbr-222	6	9	in	in	ADP
asfbr-222	6	10	the	the	DET
asfbr-222	6	11	last	last	ADJ
asfbr-222	6	12	9	9	NUM
asfbr-222	6	13	years	year	NOUN
asfbr-222	6	14	(	(	PUNCT
asfbr-222	6	15	2009	2009	NUM
asfbr-222	6	16	-	-	SYM
asfbr-222	6	17	2017	2017	NUM
asfbr-222	6	18	)	)	PUNCT
asfbr-222	6	19	,	,	PUNCT
asfbr-222	6	20	this	this	DET
asfbr-222	6	21	study	study	NOUN
asfbr-222	6	22	attempts	attempt	VERB
asfbr-222	6	23	to	to	PART
asfbr-222	6	24	evaluate	evaluate	VERB
asfbr-222	6	25	the	the	DET
asfbr-222	6	26	impacts	impact	NOUN
asfbr-222	6	27	of	of	ADP
asfbr-222	6	28	llp	llp	PROPN
asfbr-222	6	29	maintained	maintain	VERB
asfbr-222	6	30	for	for	ADP
asfbr-222	6	31	npls	npls	NOUN
asfbr-222	6	32	on	on	ADP
asfbr-222	6	33	profitability	profitability	NOUN
asfbr-222	6	34	,	,	PUNCT
asfbr-222	6	35	as	as	SCONJ
asfbr-222	6	36	it	it	PRON
asfbr-222	6	37	may	may	AUX
asfbr-222	6	38	help	help	VERB
asfbr-222	6	39	to	to	PART
asfbr-222	6	40	take	take	VERB
asfbr-222	6	41	the	the	DET
asfbr-222	6	42	level	level	NOUN
asfbr-222	6	43	of	of	ADP
asfbr-222	6	44	the	the	DET
asfbr-222	6	45	llp	llp	PROPN
asfbr-222	6	46	,	,	PUNCT
asfbr-222	6	47	and	and	CCONJ
asfbr-222	6	48	npls	npls	NOUN
asfbr-222	6	49	in	in	ADP
asfbr-222	6	50	the	the	DET
asfbr-222	6	51	optimum	optimum	ADJ
asfbr-222	6	52	level	level	NOUN
asfbr-222	6	53	of	of	ADP
asfbr-222	6	54	business	business	NOUN
asfbr-222	6	55	success	success	NOUN
asfbr-222	6	56	.	.	PUNCT
asfbr-222	7	1	the	the	DET
asfbr-222	7	2	dependent	dependent	ADJ
asfbr-222	7	3	variables	variable	NOUN
asfbr-222	7	4	used	use	VERB
asfbr-222	7	5	in	in	ADP
asfbr-222	7	6	this	this	DET
asfbr-222	7	7	study	study	NOUN
asfbr-222	7	8	are	be	AUX
asfbr-222	7	9	non	non	ADJ
asfbr-222	7	10	-	-	ADJ
asfbr-222	7	11	interest	interest	ADJ
asfbr-222	7	12	income	income	NOUN
asfbr-222	7	13	to	to	ADP
asfbr-222	7	14	total	total	ADJ
asfbr-222	7	15	assets	asset	NOUN
asfbr-222	7	16	and	and	CCONJ
asfbr-222	7	17	net	net	ADJ
asfbr-222	7	18	-	-	PUNCT
asfbr-222	7	19	interest	interest	NOUN
asfbr-222	7	20	income	income	NOUN
asfbr-222	7	21	to	to	ADP
asfbr-222	7	22	total	total	ADJ
asfbr-222	7	23	assets	asset	NOUN
asfbr-222	7	24	as	as	ADP
asfbr-222	7	25	a	a	DET
asfbr-222	7	26	representative	representative	NOUN
asfbr-222	7	27	of	of	ADP
asfbr-222	7	28	the	the	DET
asfbr-222	7	29	profitability	profitability	NOUN
asfbr-222	7	30	of	of	ADP
asfbr-222	7	31	a	a	DET
asfbr-222	7	32	bank	bank	NOUN
asfbr-222	7	33	.	.	PUNCT
asfbr-222	8	1	the	the	DET
asfbr-222	8	2	dependent	dependent	ADJ
asfbr-222	8	3	variables	variable	NOUN
asfbr-222	8	4	are	be	AUX
asfbr-222	8	5	analyzed	analyze	VERB
asfbr-222	8	6	using	use	VERB
asfbr-222	8	7	least	least	ADJ
asfbr-222	8	8	square	square	ADJ
asfbr-222	8	9	multiple	multiple	ADJ
asfbr-222	8	10	regression	regression	NOUN
asfbr-222	8	11	on	on	ADP
asfbr-222	8	12	three	three	NUM
asfbr-222	8	13	independent	independent	ADJ
asfbr-222	8	14	variables	variable	NOUN
asfbr-222	8	15	,	,	PUNCT
asfbr-222	8	16	which	which	PRON
asfbr-222	8	17	were	be	AUX
asfbr-222	8	18	gross	gross	ADJ
asfbr-222	8	19	npl	npl	PROPN
asfbr-222	8	20	to	to	ADP
asfbr-222	8	21	total	total	ADJ
asfbr-222	8	22	loans	loan	NOUN
asfbr-222	8	23	outstanding	outstanding	ADJ
asfbr-222	8	24	,	,	PUNCT
asfbr-222	8	25	loan	loan	NOUN
asfbr-222	8	26	loss	loss	NOUN
asfbr-222	8	27	provision	provision	NOUN
asfbr-222	8	28	maintained	maintain	VERB
asfbr-222	8	29	,	,	PUNCT
asfbr-222	8	30	and	and	CCONJ
asfbr-222	8	31	surplus/	surplus/	NUM
asfbr-222	8	32	(	(	PUNCT
asfbr-222	8	33	shortfall	shortfall	NOUN
asfbr-222	8	34	)	)	PUNCT
asfbr-222	8	35	resulted	result	VERB
asfbr-222	8	36	from	from	ADP
asfbr-222	8	37	the	the	DET
asfbr-222	8	38	required	require	VERB
asfbr-222	8	39	loan	loan	NOUN
asfbr-222	8	40	provisioning	provisioning	NOUN
asfbr-222	8	41	.	.	PUNCT
asfbr-222	9	1	the	the	DET
asfbr-222	9	2	result	result	NOUN
asfbr-222	9	3	showed	show	VERB
asfbr-222	9	4	that	that	SCONJ
asfbr-222	9	5	the	the	DET
asfbr-222	9	6	profitability	profitability	NOUN
asfbr-222	9	7	is	be	AUX
asfbr-222	9	8	very	very	ADV
asfbr-222	9	9	significantly	significantly	ADV
asfbr-222	9	10	influenced	influence	VERB
asfbr-222	9	11	by	by	ADP
asfbr-222	9	12	the	the	DET
asfbr-222	9	13	independent	independent	ADJ
asfbr-222	9	14	variables	variable	NOUN
asfbr-222	9	15	.	.	PUNCT
asfbr-222	10	1	npls	npls	NOUN
asfbr-222	10	2	and	and	CCONJ
asfbr-222	10	3	llps	llp	NOUN
asfbr-222	10	4	maintained	maintain	VERB
asfbr-222	10	5	by	by	ADP
asfbr-222	10	6	the	the	DET
asfbr-222	10	7	commercial	commercial	ADJ
asfbr-222	10	8	banks	bank	NOUN
asfbr-222	10	9	negatively	negatively	ADV
asfbr-222	10	10	related	relate	VERB
asfbr-222	10	11	with	with	ADP
asfbr-222	10	12	the	the	DET
asfbr-222	10	13	profitability	profitability	NOUN
asfbr-222	10	14	of	of	ADP
asfbr-222	10	15	the	the	DET
asfbr-222	10	16	business	business	NOUN
asfbr-222	10	17	,	,	PUNCT
asfbr-222	10	18	especially	especially	ADV
asfbr-222	10	19	llps	llp	VERB
asfbr-222	10	20	shown	show	VERB
asfbr-222	10	21	statistical	statistical	ADJ
asfbr-222	10	22	significance	significance	NOUN
asfbr-222	10	23	to	to	ADP
asfbr-222	10	24	impact	impact	NOUN
asfbr-222	10	25	on	on	ADP
asfbr-222	10	26	profitability	profitability	NOUN
asfbr-222	10	27	negatively	negatively	ADV
asfbr-222	10	28	.	.	PUNCT
asfbr-222	11	1	it	it	PRON
asfbr-222	11	2	is	be	AUX
asfbr-222	11	3	better	well	ADJ
asfbr-222	11	4	to	to	PART
asfbr-222	11	5	take	take	VERB
asfbr-222	11	6	the	the	DET
asfbr-222	11	7	llps	llp	NOUN
asfbr-222	11	8	and	and	CCONJ
asfbr-222	11	9	npls	npls	NOUN
asfbr-222	11	10	in	in	ADP
asfbr-222	11	11	the	the	DET
asfbr-222	11	12	minimum	minimum	ADJ
asfbr-222	11	13	level	level	NOUN
asfbr-222	11	14	for	for	ADP
asfbr-222	11	15	maximum	maximum	ADJ
asfbr-222	11	16	profitability	profitability	NOUN
asfbr-222	11	17	of	of	ADP
asfbr-222	11	18	banks	bank	NOUN
asfbr-222	11	19	.	.	PUNCT
asfbr-222	12	1	keywords	keyword	NOUN
asfbr-222	12	2	:	:	PUNCT
asfbr-222	12	3	loan	loan	NOUN
asfbr-222	12	4	loss	loss	NOUN
asfbr-222	12	5	provisioning	provisioning	NOUN
asfbr-222	12	6	,	,	PUNCT
asfbr-222	12	7	non	non	ADJ
asfbr-222	12	8	-	-	ADJ
asfbr-222	12	9	performing	performing	ADJ
asfbr-222	12	10	loans	loan	NOUN
asfbr-222	12	11	,	,	PUNCT
asfbr-222	12	12	profitability	profitability	NOUN
asfbr-222	12	13	,	,	PUNCT
asfbr-222	12	14	commercial	commercial	ADJ
asfbr-222	12	15	banks	bank	NOUN
asfbr-222	12	16	,	,	PUNCT
asfbr-222	12	17	bangladesh	bangladesh	NOUN
asfbr-222	12	18	1	1	NUM
asfbr-222	12	19	.	.	PUNCT
asfbr-222	13	1	introduction	introduction	NOUN
asfbr-222	13	2	commercial	commercial	ADJ
asfbr-222	13	3	banks	bank	NOUN
asfbr-222	13	4	do	do	VERB
asfbr-222	13	5	business	business	NOUN
asfbr-222	13	6	as	as	ADP
asfbr-222	13	7	an	an	DET
asfbr-222	13	8	intermediary	intermediary	NOUN
asfbr-222	13	9	between	between	ADP
asfbr-222	13	10	depositor	depositor	NOUN
asfbr-222	13	11	and	and	CCONJ
asfbr-222	13	12	borrower	borrower	NOUN
asfbr-222	13	13	,	,	PUNCT
asfbr-222	13	14	more	more	ADV
asfbr-222	13	15	specifically	specifically	ADV
asfbr-222	13	16	;	;	PUNCT
asfbr-222	13	17	they	they	PRON
asfbr-222	13	18	collect	collect	VERB
asfbr-222	13	19	money	money	NOUN
asfbr-222	13	20	in	in	ADP
asfbr-222	13	21	exchange	exchange	NOUN
asfbr-222	13	22	of	of	ADP
asfbr-222	13	23	interest	interest	NOUN
asfbr-222	13	24	on	on	ADP
asfbr-222	13	25	the	the	DET
asfbr-222	13	26	deposited	deposit	VERB
asfbr-222	13	27	money	money	NOUN
asfbr-222	13	28	and	and	CCONJ
asfbr-222	13	29	lend	lend	VERB
asfbr-222	13	30	the	the	DET
asfbr-222	13	31	money	money	NOUN
asfbr-222	13	32	to	to	ADP
asfbr-222	13	33	other	other	ADJ
asfbr-222	13	34	businesses	business	NOUN
asfbr-222	13	35	,	,	PUNCT
asfbr-222	13	36	individuals	individual	NOUN
asfbr-222	13	37	with	with	ADP
asfbr-222	13	38	interest	interest	NOUN
asfbr-222	13	39	.	.	PUNCT
asfbr-222	14	1	the	the	DET
asfbr-222	14	2	difference	difference	NOUN
asfbr-222	14	3	between	between	ADP
asfbr-222	14	4	the	the	DET
asfbr-222	14	5	interest	interest	NOUN
asfbr-222	14	6	earned	earn	VERB
asfbr-222	14	7	and	and	CCONJ
asfbr-222	14	8	interest	interest	NOUN
asfbr-222	14	9	paid	pay	VERB
asfbr-222	14	10	is	be	AUX
asfbr-222	14	11	the	the	DET
asfbr-222	14	12	profit	profit	NOUN
asfbr-222	14	13	or	or	CCONJ
asfbr-222	14	14	loss	loss	NOUN
asfbr-222	14	15	for	for	ADP
asfbr-222	14	16	a	a	DET
asfbr-222	14	17	bank	bank	NOUN
asfbr-222	14	18	.	.	PUNCT
asfbr-222	15	1	banks	bank	NOUN
asfbr-222	15	2	played	play	VERB
asfbr-222	15	3	important	important	ADJ
asfbr-222	15	4	role	role	NOUN
asfbr-222	15	5	in	in	ADP
asfbr-222	15	6	economic	economic	ADJ
asfbr-222	15	7	development	development	NOUN
asfbr-222	15	8	through	through	ADP
asfbr-222	15	9	this	this	DET
asfbr-222	15	10	intermediation	intermediation	NOUN
asfbr-222	15	11	service	service	NOUN
asfbr-222	15	12	.	.	PUNCT
asfbr-222	16	1	there	there	PRON
asfbr-222	16	2	is	be	VERB
asfbr-222	16	3	always	always	ADV
asfbr-222	16	4	a	a	DET
asfbr-222	16	5	chance	chance	NOUN
asfbr-222	16	6	to	to	PART
asfbr-222	16	7	be	be	AUX
asfbr-222	16	8	not	not	PART
asfbr-222	16	9	paid	pay	VERB
asfbr-222	16	10	by	by	ADP
asfbr-222	16	11	the	the	DET
asfbr-222	16	12	borrower	borrower	NOUN
asfbr-222	16	13	as	as	ADP
asfbr-222	16	14	an	an	DET
asfbr-222	16	15	installment	installment	NOUN
asfbr-222	16	16	for	for	ADP
asfbr-222	16	17	repaying	repay	VERB
asfbr-222	16	18	the	the	DET
asfbr-222	16	19	borrowed	borrow	VERB
asfbr-222	16	20	money	money	NOUN
asfbr-222	16	21	.	.	PUNCT
asfbr-222	17	1	and	and	CCONJ
asfbr-222	17	2	it	it	PRON
asfbr-222	17	3	necessitates	necessitate	VERB
asfbr-222	17	4	the	the	DET
asfbr-222	17	5	mitigation	mitigation	NOUN
asfbr-222	17	6	tools	tool	NOUN
asfbr-222	17	7	and	and	CCONJ
asfbr-222	17	8	techniques	technique	NOUN
asfbr-222	17	9	to	to	PART
asfbr-222	17	10	report	report	VERB
asfbr-222	17	11	and	and	CCONJ
asfbr-222	17	12	adjust	adjust	VERB
asfbr-222	17	13	with	with	ADP
asfbr-222	17	14	the	the	DET
asfbr-222	17	15	operation	operation	NOUN
asfbr-222	17	16	smoothly	smoothly	ADV
asfbr-222	17	17	.	.	PUNCT
asfbr-222	18	1	nowadays	nowadays	ADV
asfbr-222	18	2	,	,	PUNCT
asfbr-222	18	3	the	the	DET
asfbr-222	18	4	level	level	NOUN
asfbr-222	18	5	of	of	ADP
asfbr-222	18	6	non	non	ADJ
asfbr-222	18	7	-	-	ADJ
asfbr-222	18	8	performing	performing	ADJ
asfbr-222	18	9	loans	loan	NOUN
asfbr-222	18	10	(	(	PUNCT
asfbr-222	18	11	npls	npls	NOUN
asfbr-222	18	12	)	)	PUNCT
asfbr-222	18	13	has	have	AUX
asfbr-222	18	14	been	be	AUX
asfbr-222	18	15	soaring	soar	VERB
asfbr-222	18	16	in	in	ADP
asfbr-222	18	17	bangladesh	bangladesh	PROPN
asfbr-222	18	18	.	.	PUNCT
asfbr-222	19	1	npls	npls	PROPN
asfbr-222	19	2	are	be	AUX
asfbr-222	19	3	those	those	DET
asfbr-222	19	4	selected	select	VERB
asfbr-222	19	5	assets	asset	NOUN
asfbr-222	19	6	from	from	ADP
asfbr-222	19	7	which	which	PRON
asfbr-222	19	8	bank	bank	NOUN
asfbr-222	19	9	can	can	AUX
asfbr-222	19	10	not	not	PART
asfbr-222	19	11	generate	generate	VERB
asfbr-222	19	12	any	any	DET
asfbr-222	19	13	incoming	incoming	ADJ
asfbr-222	19	14	cash	cash	NOUN
asfbr-222	19	15	flow	flow	NOUN
asfbr-222	19	16	as	as	ADP
asfbr-222	19	17	loan	loan	NOUN
asfbr-222	19	18	repayment	repayment	NOUN
asfbr-222	19	19	installment	installment	NOUN
asfbr-222	19	20	.	.	PUNCT
asfbr-222	20	1	in	in	ADP
asfbr-222	20	2	many	many	ADJ
asfbr-222	20	3	cases	case	NOUN
asfbr-222	20	4	,	,	PUNCT
asfbr-222	20	5	borrowers	borrower	NOUN
asfbr-222	20	6	become	become	VERB
asfbr-222	20	7	default	default	NOUN
asfbr-222	20	8	and	and	CCONJ
asfbr-222	20	9	the	the	DET
asfbr-222	20	10	full	full	ADJ
asfbr-222	20	11	amount	amount	NOUN
asfbr-222	20	12	of	of	ADP
asfbr-222	20	13	the	the	DET
asfbr-222	20	14	loan	loan	NOUN
asfbr-222	20	15	can	can	AUX
asfbr-222	20	16	not	not	PART
asfbr-222	20	17	be	be	AUX
asfbr-222	20	18	recovered	recover	VERB
asfbr-222	20	19	.	.	PUNCT
asfbr-222	21	1	to	to	PART
asfbr-222	21	2	manage	manage	VERB
asfbr-222	21	3	and	and	CCONJ
asfbr-222	21	4	safeguard	safeguard	VERB
asfbr-222	21	5	the	the	DET
asfbr-222	21	6	banking	banking	NOUN
asfbr-222	21	7	business	business	NOUN
asfbr-222	21	8	from	from	ADP
asfbr-222	21	9	the	the	DET
asfbr-222	21	10	npls	npls	NOUN
asfbr-222	21	11	,	,	PUNCT
asfbr-222	21	12	different	different	ADJ
asfbr-222	21	13	credit	credit	NOUN
asfbr-222	21	14	policies	policy	NOUN
asfbr-222	21	15	are	be	AUX
asfbr-222	21	16	used	use	VERB
asfbr-222	21	17	,	,	PUNCT
asfbr-222	21	18	one	one	NUM
asfbr-222	21	19	of	of	ADP
asfbr-222	21	20	those	those	PRON
asfbr-222	21	21	is	be	AUX
asfbr-222	21	22	to	to	PART
asfbr-222	21	23	increase	increase	VERB
asfbr-222	21	24	the	the	DET
asfbr-222	21	25	loan	loan	NOUN
asfbr-222	21	26	loss	loss	NOUN
asfbr-222	21	27	provisions	provision	NOUN
asfbr-222	21	28	(	(	PUNCT
asfbr-222	21	29	llps	llps	PROPN
asfbr-222	21	30	)	)	PUNCT
asfbr-222	21	31	.	.	PUNCT
asfbr-222	22	1	llps	llp	NOUN
asfbr-222	22	2	are	be	AUX
asfbr-222	22	3	used	use	VERB
asfbr-222	22	4	as	as	ADP
asfbr-222	22	5	a	a	DET
asfbr-222	22	6	cushion	cushion	NOUN
asfbr-222	22	7	to	to	PART
asfbr-222	22	8	adapt	adapt	VERB
asfbr-222	22	9	to	to	ADP
asfbr-222	22	10	the	the	DET
asfbr-222	22	11	expected	expect	VERB
asfbr-222	22	12	loss	loss	NOUN
asfbr-222	22	13	resulted	result	VERB
asfbr-222	22	14	from	from	ADP
asfbr-222	22	15	the	the	DET
asfbr-222	22	16	missed	miss	VERB
asfbr-222	22	17	payment	payment	NOUN
asfbr-222	22	18	of	of	ADP
asfbr-222	22	19	installment	installment	NOUN
asfbr-222	22	20	on	on	ADP
asfbr-222	22	21	a	a	DET
asfbr-222	22	22	bank	bank	NOUN
asfbr-222	22	23	’s	’s	PART
asfbr-222	22	24	loan	loan	NOUN
asfbr-222	22	25	portfolio	portfolio	NOUN
asfbr-222	22	26	;	;	PUNCT
asfbr-222	22	27	it	it	PRON
asfbr-222	22	28	is	be	AUX
asfbr-222	22	29	interchangeably	interchangeably	ADV
asfbr-222	22	30	known	know	VERB
asfbr-222	22	31	as	as	ADP
asfbr-222	22	32	provision	provision	NOUN
asfbr-222	22	33	for	for	ADP
asfbr-222	22	34	bad	bad	ADJ
asfbr-222	22	35	debts	debt	NOUN
asfbr-222	22	36	(	(	PUNCT
asfbr-222	22	37	ozili	ozili	NOUN
asfbr-222	22	38	&	&	CCONJ
asfbr-222	22	39	outa	outa	ADJ
asfbr-222	22	40	,	,	PUNCT
asfbr-222	22	41	2017).when	2017).when	PROPN
asfbr-222	22	42	a	a	DET
asfbr-222	22	43	bank	bank	NOUN
asfbr-222	22	44	can	can	AUX
asfbr-222	22	45	predict	predict	VERB
asfbr-222	22	46	a	a	DET
asfbr-222	22	47	loan	loan	NOUN
asfbr-222	22	48	loss	loss	NOUN
asfbr-222	22	49	,	,	PUNCT
asfbr-222	22	50	it	it	PRON
asfbr-222	22	51	needs	need	VERB
asfbr-222	22	52	to	to	PART
asfbr-222	22	53	be	be	AUX
asfbr-222	22	54	charged	charge	VERB
asfbr-222	22	55	to	to	ADP
asfbr-222	22	56	the	the	DET
asfbr-222	22	57	income	income	NOUN
asfbr-222	22	58	statement	statement	NOUN
asfbr-222	22	59	as	as	ADP
asfbr-222	22	60	“	"	PUNCT
asfbr-222	22	61	provision	provision	NOUN
asfbr-222	22	62	”	"	PUNCT
asfbr-222	22	63	to	to	PART
asfbr-222	22	64	set	set	VERB
asfbr-222	22	65	a	a	DET
asfbr-222	22	66	loan	loan	NOUN
asfbr-222	22	67	loss	loss	NOUN
asfbr-222	22	68	provision	provision	NOUN
asfbr-222	22	69	(	(	PUNCT
asfbr-222	22	70	llp	llp	PROPN
asfbr-222	22	71	)	)	PUNCT
asfbr-222	22	72	account	account	NOUN
asfbr-222	22	73	to	to	PART
asfbr-222	22	74	be	be	AUX
asfbr-222	22	75	shown	show	VERB
asfbr-222	22	76	on	on	ADP
asfbr-222	22	77	the	the	DET
asfbr-222	22	78	balance	balance	NOUN
asfbr-222	22	79	sheet	sheet	NOUN
asfbr-222	22	80	.	.	PUNCT
asfbr-222	23	1	if	if	SCONJ
asfbr-222	23	2	the	the	DET
asfbr-222	23	3	principal	principal	NOUN
asfbr-222	23	4	and	and	CCONJ
asfbr-222	23	5	interest	interest	NOUN
asfbr-222	23	6	on	on	ADP
asfbr-222	23	7	a	a	DET
asfbr-222	23	8	loan	loan	NOUN
asfbr-222	23	9	becomes	become	VERB
asfbr-222	23	10	bad	bad	ADJ
asfbr-222	23	11	debts	debt	NOUN
asfbr-222	23	12	,	,	PUNCT
asfbr-222	23	13	the	the	DET
asfbr-222	23	14	amount	amount	NOUN
asfbr-222	23	15	of	of	ADP
asfbr-222	23	16	the	the	DET
asfbr-222	23	17	loan	loan	NOUN
asfbr-222	23	18	balance	balance	NOUN
asfbr-222	23	19	is	be	AUX
asfbr-222	23	20	decreased	decrease	VERB
asfbr-222	23	21	by	by	ADP
asfbr-222	23	22	charging	charge	VERB
asfbr-222	23	23	it	it	PRON
asfbr-222	23	24	to	to	ADP
asfbr-222	23	25	the	the	DET
asfbr-222	23	26	llps	llp	NOUN
asfbr-222	23	27	which	which	PRON
asfbr-222	23	28	was	be	AUX
asfbr-222	23	29	kept	keep	VERB
asfbr-222	23	30	as	as	ADP
asfbr-222	23	31	a	a	DET
asfbr-222	23	32	reserve	reserve	NOUN
asfbr-222	23	33	on	on	ADP
asfbr-222	23	34	the	the	DET
asfbr-222	23	35	balance	balance	NOUN
asfbr-222	23	36	sheet	sheet	NOUN
asfbr-222	23	37	(	(	PUNCT
asfbr-222	23	38	angklomkliew	angklomkliew	NOUN
asfbr-222	23	39	et	et	PROPN
asfbr-222	23	40	al	al	PROPN
asfbr-222	23	41	.	.	PROPN
asfbr-222	23	42	,	,	PUNCT
asfbr-222	23	43	2009	2009	NUM
asfbr-222	23	44	)	)	PUNCT
asfbr-222	23	45	.	.	PUNCT
asfbr-222	24	1	the	the	DET
asfbr-222	24	2	banks	bank	NOUN
asfbr-222	24	3	normally	normally	ADV
asfbr-222	24	4	keep	keep	VERB
asfbr-222	24	5	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	NOUN
asfbr-222	24	6	asian	asian	PROPN
asfbr-222	24	7	finance	finance	PROPN
asfbr-222	24	8	&	&	CCONJ
asfbr-222	24	9	banking	banking	PROPN
asfbr-222	24	10	review	review	PROPN
asfbr-222	24	11	vol	vol	NOUN
asfbr-222	24	12	.	.	PROPN
asfbr-222	25	1	2	2	NUM
asfbr-222	25	2	,	,	PUNCT
asfbr-222	25	3	no	no	INTJ
asfbr-222	25	4	.	.	NOUN
asfbr-222	25	5	2	2	NUM
asfbr-222	25	6	;	;	PUNCT
asfbr-222	25	7	2018	2018	NUM
asfbr-222	25	8	34	34	NUM
asfbr-222	25	9	requisite	requisite	ADJ
asfbr-222	25	10	provisions	provision	NOUN
asfbr-222	25	11	against	against	ADP
asfbr-222	25	12	their	their	PRON
asfbr-222	25	13	unclassified	unclassified	ADJ
asfbr-222	25	14	and	and	CCONJ
asfbr-222	25	15	npls	npls	NOUN
asfbr-222	25	16	from	from	ADP
asfbr-222	25	17	their	their	PRON
asfbr-222	25	18	operating	operating	NOUN
asfbr-222	25	19	profits	profit	NOUN
asfbr-222	25	20	in	in	ADP
asfbr-222	25	21	a	a	DET
asfbr-222	25	22	bid	bid	NOUN
asfbr-222	25	23	to	to	PART
asfbr-222	25	24	mitigate	mitigate	VERB
asfbr-222	25	25	financial	financial	ADJ
asfbr-222	25	26	risks	risk	NOUN
asfbr-222	25	27	(	(	PUNCT
asfbr-222	25	28	islam	islam	PROPN
asfbr-222	25	29	,	,	PUNCT
asfbr-222	25	30	2018	2018	NUM
asfbr-222	25	31	)	)	PUNCT
asfbr-222	25	32	.	.	PUNCT
asfbr-222	26	1	it	it	PRON
asfbr-222	26	2	is	be	AUX
asfbr-222	26	3	important	important	ADJ
asfbr-222	26	4	to	to	PART
asfbr-222	26	5	know	know	VERB
asfbr-222	26	6	that	that	SCONJ
asfbr-222	26	7	the	the	DET
asfbr-222	26	8	level	level	NOUN
asfbr-222	26	9	of	of	ADP
asfbr-222	26	10	loan	loan	NOUN
asfbr-222	26	11	loss	loss	NOUN
asfbr-222	26	12	provisioning	provision	VERB
asfbr-222	26	13	able	able	ADJ
asfbr-222	26	14	to	to	PART
asfbr-222	26	15	safeguard	safeguard	VERB
asfbr-222	26	16	the	the	DET
asfbr-222	26	17	profitability	profitability	NOUN
asfbr-222	26	18	of	of	ADP
asfbr-222	26	19	commercial	commercial	ADJ
asfbr-222	26	20	banks	bank	NOUN
asfbr-222	26	21	in	in	ADP
asfbr-222	26	22	bangladesh	bangladesh	NOUN
asfbr-222	26	23	.	.	PUNCT
asfbr-222	27	1	as	as	SCONJ
asfbr-222	27	2	there	there	PRON
asfbr-222	27	3	are	be	VERB
asfbr-222	27	4	many	many	ADJ
asfbr-222	27	5	instances	instance	NOUN
asfbr-222	27	6	that	that	SCONJ
asfbr-222	27	7	the	the	DET
asfbr-222	27	8	banks	bank	NOUN
asfbr-222	27	9	,	,	PUNCT
asfbr-222	27	10	especially	especially	ADV
asfbr-222	27	11	the	the	DET
asfbr-222	27	12	government	government	NOUN
asfbr-222	27	13	owned	own	VERB
asfbr-222	27	14	banks	bank	NOUN
asfbr-222	27	15	has	have	AUX
asfbr-222	27	16	been	be	AUX
asfbr-222	27	17	facing	face	VERB
asfbr-222	27	18	a	a	DET
asfbr-222	27	19	large	large	ADJ
asfbr-222	27	20	of	of	ADP
asfbr-222	27	21	amount	amount	NOUN
asfbr-222	27	22	non	non	ADJ
asfbr-222	27	23	-	-	ADJ
asfbr-222	27	24	performing	perform	VERB
asfbr-222	27	25	loan	loan	NOUN
asfbr-222	27	26	,	,	PUNCT
asfbr-222	27	27	against	against	ADP
asfbr-222	27	28	which	which	PRON
asfbr-222	27	29	the	the	DET
asfbr-222	27	30	management	management	NOUN
asfbr-222	27	31	of	of	ADP
asfbr-222	27	32	those	those	DET
asfbr-222	27	33	banks	bank	NOUN
asfbr-222	27	34	has	have	VERB
asfbr-222	27	35	to	to	PART
asfbr-222	27	36	maintain	maintain	VERB
asfbr-222	27	37	large	large	ADJ
asfbr-222	27	38	amount	amount	NOUN
asfbr-222	27	39	of	of	ADP
asfbr-222	27	40	loan	loan	NOUN
asfbr-222	27	41	loss	loss	NOUN
asfbr-222	27	42	provision	provision	NOUN
asfbr-222	27	43	.	.	PUNCT
asfbr-222	28	1	2	2	X
asfbr-222	28	2	.	.	NUM
asfbr-222	28	3	related	relate	VERB
asfbr-222	28	4	literature	literature	NOUN
asfbr-222	28	5	review	review	NOUN
asfbr-222	28	6	and	and	CCONJ
asfbr-222	28	7	research	research	NOUN
asfbr-222	28	8	focus	focus	NOUN
asfbr-222	28	9	in	in	ADP
asfbr-222	28	10	this	this	DET
asfbr-222	28	11	section	section	NOUN
asfbr-222	28	12	,	,	PUNCT
asfbr-222	28	13	the	the	DET
asfbr-222	28	14	usage	usage	NOUN
asfbr-222	28	15	and	and	CCONJ
asfbr-222	28	16	concept	concept	NOUN
asfbr-222	28	17	of	of	ADP
asfbr-222	28	18	llps	llp	NOUN
asfbr-222	28	19	,	,	PUNCT
asfbr-222	28	20	npls	npls	NOUN
asfbr-222	28	21	,	,	PUNCT
asfbr-222	28	22	and	and	CCONJ
asfbr-222	28	23	profitability	profitability	NOUN
asfbr-222	28	24	are	be	AUX
asfbr-222	28	25	reviewed	review	VERB
asfbr-222	28	26	based	base	VERB
asfbr-222	28	27	on	on	ADP
asfbr-222	28	28	the	the	DET
asfbr-222	28	29	literature	literature	NOUN
asfbr-222	28	30	on	on	ADP
asfbr-222	28	31	relevant	relevant	ADJ
asfbr-222	28	32	researches	research	NOUN
asfbr-222	28	33	across	across	ADP
asfbr-222	28	34	the	the	DET
asfbr-222	28	35	world	world	NOUN
asfbr-222	28	36	.	.	PUNCT
asfbr-222	29	1	nlps	nlp	NOUN
asfbr-222	29	2	and	and	CCONJ
asfbr-222	29	3	llps	llp	NOUN
asfbr-222	29	4	are	be	AUX
asfbr-222	29	5	the	the	DET
asfbr-222	29	6	two	two	NUM
asfbr-222	29	7	major	major	ADJ
asfbr-222	29	8	transmission	transmission	NOUN
asfbr-222	29	9	channel	channel	NOUN
asfbr-222	29	10	to	to	PART
asfbr-222	29	11	give	give	VERB
asfbr-222	29	12	a	a	DET
asfbr-222	29	13	macroeconomic	macroeconomic	ADJ
asfbr-222	29	14	shock	shock	NOUN
asfbr-222	29	15	to	to	PART
asfbr-222	29	16	balance	balance	VERB
asfbr-222	29	17	sheet	sheet	NOUN
asfbr-222	29	18	of	of	ADP
asfbr-222	29	19	banks	bank	NOUN
asfbr-222	29	20	(	(	PUNCT
asfbr-222	29	21	monokroussos	monokroussos	NOUN
asfbr-222	29	22	et	et	PROPN
asfbr-222	29	23	al	al	PROPN
asfbr-222	29	24	.	.	PROPN
asfbr-222	29	25	,	,	PUNCT
asfbr-222	29	26	2016	2016	NUM
asfbr-222	29	27	)	)	PUNCT
asfbr-222	29	28	,	,	PUNCT
asfbr-222	29	29	as	as	SCONJ
asfbr-222	29	30	these	these	PRON
asfbr-222	29	31	are	be	AUX
asfbr-222	29	32	the	the	DET
asfbr-222	29	33	key	key	ADJ
asfbr-222	29	34	contributor	contributor	NOUN
asfbr-222	29	35	for	for	ADP
asfbr-222	29	36	resulting	result	VERB
asfbr-222	29	37	fluctuation	fluctuation	NOUN
asfbr-222	29	38	in	in	ADP
asfbr-222	29	39	the	the	DET
asfbr-222	29	40	profitability	profitability	NOUN
asfbr-222	29	41	through	through	ADP
asfbr-222	29	42	earnings	earning	NOUN
asfbr-222	29	43	and	and	CCONJ
asfbr-222	29	44	capital	capital	NOUN
asfbr-222	29	45	management	management	NOUN
asfbr-222	29	46	(	(	PUNCT
asfbr-222	29	47	hoggarth	hoggarth	NOUN
asfbr-222	29	48	&	&	CCONJ
asfbr-222	29	49	pain	pain	NOUN
asfbr-222	29	50	,	,	PUNCT
asfbr-222	29	51	2002	2002	NUM
asfbr-222	29	52	)	)	PUNCT
asfbr-222	29	53	.	.	PUNCT
asfbr-222	30	1	among	among	ADP
asfbr-222	30	2	the	the	DET
asfbr-222	30	3	many	many	ADJ
asfbr-222	30	4	indicators	indicator	NOUN
asfbr-222	30	5	to	to	PART
asfbr-222	30	6	understand	understand	VERB
asfbr-222	30	7	the	the	DET
asfbr-222	30	8	strength	strength	NOUN
asfbr-222	30	9	of	of	ADP
asfbr-222	30	10	lending	lending	NOUN
asfbr-222	30	11	activity	activity	NOUN
asfbr-222	30	12	,	,	PUNCT
asfbr-222	30	13	nlps	nlp	VERB
asfbr-222	30	14	to	to	ADP
asfbr-222	30	15	total	total	ADJ
asfbr-222	30	16	loans	loan	NOUN
asfbr-222	30	17	and	and	CCONJ
asfbr-222	30	18	llps	llp	VERB
asfbr-222	30	19	to	to	PART
asfbr-222	30	20	total	total	VERB
asfbr-222	30	21	loans	loan	NOUN
asfbr-222	30	22	are	be	AUX
asfbr-222	30	23	widely	widely	ADV
asfbr-222	30	24	used	use	VERB
asfbr-222	30	25	to	to	PART
asfbr-222	30	26	measure	measure	VERB
asfbr-222	30	27	the	the	DET
asfbr-222	30	28	credit	credit	NOUN
asfbr-222	30	29	risk	risk	NOUN
asfbr-222	30	30	of	of	ADP
asfbr-222	30	31	a	a	DET
asfbr-222	30	32	bank	bank	NOUN
asfbr-222	30	33	(	(	PUNCT
asfbr-222	30	34	radivojevic	radivojevic	PROPN
asfbr-222	30	35	&	&	CCONJ
asfbr-222	30	36	jovovic	jovovic	PROPN
asfbr-222	30	37	,	,	PUNCT
asfbr-222	30	38	2017	2017	NUM
asfbr-222	30	39	)	)	PUNCT
asfbr-222	30	40	.	.	PUNCT
asfbr-222	31	1	lending	lending	NOUN
asfbr-222	31	2	activity	activity	NOUN
asfbr-222	31	3	is	be	AUX
asfbr-222	31	4	the	the	DET
asfbr-222	31	5	major	major	ADJ
asfbr-222	31	6	contributor	contributor	NOUN
asfbr-222	31	7	to	to	ADP
asfbr-222	31	8	the	the	DET
asfbr-222	31	9	profitability	profitability	NOUN
asfbr-222	31	10	and	and	CCONJ
asfbr-222	31	11	success	success	NOUN
asfbr-222	31	12	of	of	ADP
asfbr-222	31	13	banking	banking	NOUN
asfbr-222	31	14	business	business	NOUN
asfbr-222	31	15	in	in	ADP
asfbr-222	31	16	any	any	DET
asfbr-222	31	17	domain	domain	NOUN
asfbr-222	31	18	of	of	ADP
asfbr-222	31	19	the	the	DET
asfbr-222	31	20	world	world	NOUN
asfbr-222	31	21	.	.	PUNCT
asfbr-222	32	1	norden	norden	PROPN
asfbr-222	32	2	&	&	CCONJ
asfbr-222	32	3	stoian	stoian	PROPN
asfbr-222	32	4	(	(	PUNCT
asfbr-222	32	5	2013	2013	NUM
asfbr-222	32	6	)	)	PUNCT
asfbr-222	32	7	conducted	conduct	VERB
asfbr-222	32	8	a	a	DET
asfbr-222	32	9	study	study	NOUN
asfbr-222	32	10	on	on	ADP
asfbr-222	32	11	85	85	NUM
asfbr-222	32	12	dutch	dutch	ADJ
asfbr-222	32	13	banks	bank	NOUN
asfbr-222	32	14	to	to	PART
asfbr-222	32	15	examine	examine	VERB
asfbr-222	32	16	the	the	DET
asfbr-222	32	17	relationship	relationship	NOUN
asfbr-222	32	18	between	between	ADP
asfbr-222	32	19	earnings	earning	NOUN
asfbr-222	32	20	and	and	CCONJ
asfbr-222	32	21	risk	risk	NOUN
asfbr-222	32	22	management	management	NOUN
asfbr-222	32	23	.	.	PUNCT
asfbr-222	33	1	they	they	PRON
asfbr-222	33	2	found	find	VERB
asfbr-222	33	3	that	that	SCONJ
asfbr-222	33	4	the	the	DET
asfbr-222	33	5	dutch	dutch	ADJ
asfbr-222	33	6	banks	bank	NOUN
asfbr-222	33	7	use	use	VERB
asfbr-222	33	8	loan	loan	NOUN
asfbr-222	33	9	loss	loss	NOUN
asfbr-222	33	10	provisioning	provision	VERB
asfbr-222	33	11	(	(	PUNCT
asfbr-222	33	12	llp	llp	PROPN
asfbr-222	33	13	)	)	PUNCT
asfbr-222	33	14	to	to	PART
asfbr-222	33	15	manage	manage	VERB
asfbr-222	33	16	earnings	earning	NOUN
asfbr-222	33	17	volatility	volatility	NOUN
asfbr-222	33	18	in	in	ADP
asfbr-222	33	19	the	the	DET
asfbr-222	33	20	banks	bank	NOUN
asfbr-222	33	21	.	.	PUNCT
asfbr-222	34	1	the	the	DET
asfbr-222	34	2	banks	bank	NOUN
asfbr-222	34	3	usually	usually	ADV
asfbr-222	34	4	increase	increase	VERB
asfbr-222	34	5	the	the	DET
asfbr-222	34	6	level	level	NOUN
asfbr-222	34	7	of	of	ADP
asfbr-222	34	8	llps	llp	NOUN
asfbr-222	34	9	when	when	SCONJ
asfbr-222	34	10	the	the	DET
asfbr-222	34	11	earnings	earning	NOUN
asfbr-222	34	12	level	level	NOUN
asfbr-222	34	13	is	be	AUX
asfbr-222	34	14	higher	high	ADJ
asfbr-222	34	15	,	,	PUNCT
asfbr-222	34	16	and	and	CCONJ
asfbr-222	34	17	decrease	decrease	VERB
asfbr-222	34	18	llps	llp	VERB
asfbr-222	34	19	to	to	PART
asfbr-222	34	20	adapt	adapt	VERB
asfbr-222	34	21	with	with	ADP
asfbr-222	34	22	low	low	ADJ
asfbr-222	34	23	regulatory	regulatory	ADJ
asfbr-222	34	24	capital	capital	NOUN
asfbr-222	34	25	ratios	ratio	NOUN
asfbr-222	34	26	.	.	PUNCT
asfbr-222	35	1	in	in	ADP
asfbr-222	35	2	nigeria	nigeria	PROPN
asfbr-222	35	3	,	,	PUNCT
asfbr-222	35	4	ozili	ozili	NOUN
asfbr-222	35	5	(	(	PUNCT
asfbr-222	35	6	2015	2015	NUM
asfbr-222	35	7	)	)	PUNCT
asfbr-222	35	8	investigated	investigate	VERB
asfbr-222	35	9	banks	bank	NOUN
asfbr-222	35	10	in	in	ADP
asfbr-222	35	11	nigeria	nigeria	PROPN
asfbr-222	35	12	which	which	PRON
asfbr-222	35	13	focused	focus	VERB
asfbr-222	35	14	from	from	ADP
asfbr-222	35	15	2004	2004	NUM
asfbr-222	35	16	to	to	ADP
asfbr-222	35	17	2013	2013	NUM
asfbr-222	35	18	period	period	NOUN
asfbr-222	35	19	,	,	PUNCT
asfbr-222	35	20	which	which	PRON
asfbr-222	35	21	reveals	reveal	VERB
asfbr-222	35	22	that	that	SCONJ
asfbr-222	35	23	loan	loan	NOUN
asfbr-222	35	24	loss	loss	NOUN
asfbr-222	35	25	provisioning	provisioning	NOUN
asfbr-222	35	26	largely	largely	ADV
asfbr-222	35	27	used	use	VERB
asfbr-222	35	28	for	for	ADP
asfbr-222	35	29	earning	earn	VERB
asfbr-222	35	30	smoothing	smoothing	NOUN
asfbr-222	35	31	.	.	PUNCT
asfbr-222	36	1	similar	similar	ADJ
asfbr-222	36	2	findings	finding	NOUN
asfbr-222	36	3	also	also	ADV
asfbr-222	36	4	noticed	notice	VERB
asfbr-222	36	5	in	in	ADP
asfbr-222	36	6	a	a	DET
asfbr-222	36	7	few	few	ADJ
asfbr-222	36	8	other	other	ADJ
asfbr-222	36	9	researches	research	NOUN
asfbr-222	36	10	(	(	PUNCT
asfbr-222	36	11	taktak	taktak	NOUN
asfbr-222	36	12	et	et	NOUN
asfbr-222	36	13	al	al	PROPN
asfbr-222	36	14	.	.	PROPN
asfbr-222	36	15	,	,	PUNCT
asfbr-222	36	16	2010	2010	NUM
asfbr-222	36	17	,	,	PUNCT
asfbr-222	36	18	curcio	curcio	PROPN
asfbr-222	36	19	et	et	PROPN
asfbr-222	36	20	al	al	PROPN
asfbr-222	36	21	.	.	PROPN
asfbr-222	36	22	,	,	PUNCT
asfbr-222	36	23	2014	2014	NUM
asfbr-222	36	24	,	,	PUNCT
asfbr-222	36	25	curcio	curcio	PROPN
asfbr-222	36	26	&	&	CCONJ
asfbr-222	36	27	hasan	hasan	PROPN
asfbr-222	36	28	,	,	PUNCT
asfbr-222	36	29	2015	2015	NUM
asfbr-222	36	30	)	)	PUNCT
asfbr-222	36	31	.	.	PUNCT
asfbr-222	37	1	packer	packer	NOUN
asfbr-222	37	2	and	and	CCONJ
asfbr-222	37	3	zhu	zhu	PROPN
asfbr-222	37	4	(	(	PUNCT
asfbr-222	37	5	2012	2012	NUM
asfbr-222	37	6	)	)	PUNCT
asfbr-222	37	7	did	do	VERB
asfbr-222	37	8	a	a	DET
asfbr-222	37	9	study	study	NOUN
asfbr-222	37	10	on	on	ADP
asfbr-222	37	11	240	240	NUM
asfbr-222	37	12	banks	bank	NOUN
asfbr-222	37	13	of	of	ADP
asfbr-222	37	14	different	different	ADJ
asfbr-222	37	15	countries	country	NOUN
asfbr-222	37	16	to	to	PART
asfbr-222	37	17	investigate	investigate	VERB
asfbr-222	37	18	the	the	DET
asfbr-222	37	19	loan	loan	NOUN
asfbr-222	37	20	loss	loss	NOUN
asfbr-222	37	21	provisioning	provisioning	NOUN
asfbr-222	37	22	practices	practice	NOUN
asfbr-222	37	23	for	for	ADP
asfbr-222	37	24	income	income	NOUN
asfbr-222	37	25	smoothing	smooth	VERB
asfbr-222	37	26	operation	operation	NOUN
asfbr-222	37	27	with	with	ADP
asfbr-222	37	28	a	a	DET
asfbr-222	37	29	data	data	NOUN
asfbr-222	37	30	set	set	VERB
asfbr-222	37	31	of	of	ADP
asfbr-222	37	32	2000	2000	NUM
asfbr-222	37	33	-	-	SYM
asfbr-222	37	34	2009	2009	NUM
asfbr-222	37	35	time	time	NOUN
asfbr-222	37	36	frame	frame	NOUN
asfbr-222	37	37	.	.	PUNCT
asfbr-222	38	1	they	they	PRON
asfbr-222	38	2	found	find	VERB
asfbr-222	38	3	that	that	SCONJ
asfbr-222	38	4	the	the	DET
asfbr-222	38	5	used	used	NOUN
asfbr-222	38	6	of	of	ADP
asfbr-222	38	7	llps	llp	NOUN
asfbr-222	38	8	is	be	AUX
asfbr-222	38	9	also	also	ADV
asfbr-222	38	10	for	for	ADP
asfbr-222	38	11	countercyclical	countercyclical	ADJ
asfbr-222	38	12	loan	loan	NOUN
asfbr-222	38	13	loss	loss	NOUN
asfbr-222	38	14	along	along	ADP
asfbr-222	38	15	with	with	ADP
asfbr-222	38	16	income	income	NOUN
asfbr-222	38	17	smoothing	smoothing	NOUN
asfbr-222	38	18	.	.	PUNCT
asfbr-222	39	1	loan	loan	NOUN
asfbr-222	39	2	loss	loss	NOUN
asfbr-222	39	3	provisioning	provisioning	NOUN
asfbr-222	39	4	is	be	AUX
asfbr-222	39	5	also	also	ADV
asfbr-222	39	6	used	use	VERB
asfbr-222	39	7	for	for	ADP
asfbr-222	39	8	capital	capital	NOUN
asfbr-222	39	9	management	management	NOUN
asfbr-222	39	10	along	along	ADP
asfbr-222	39	11	with	with	ADP
asfbr-222	39	12	income	income	NOUN
asfbr-222	39	13	smoothing	smooth	VERB
asfbr-222	39	14	as	as	SCONJ
asfbr-222	39	15	it	it	PRON
asfbr-222	39	16	is	be	AUX
asfbr-222	39	17	a	a	DET
asfbr-222	39	18	tool	tool	NOUN
asfbr-222	39	19	to	to	PART
asfbr-222	39	20	mitigate	mitigate	VERB
asfbr-222	39	21	and	and	CCONJ
asfbr-222	39	22	caution	caution	VERB
asfbr-222	39	23	the	the	DET
asfbr-222	39	24	risk	risk	NOUN
asfbr-222	39	25	of	of	ADP
asfbr-222	39	26	default	default	NOUN
asfbr-222	39	27	(	(	PUNCT
asfbr-222	39	28	perez	perez	PROPN
asfbr-222	39	29	et	et	PROPN
asfbr-222	39	30	al	al	PROPN
asfbr-222	39	31	.	.	PROPN
asfbr-222	39	32	,	,	PUNCT
asfbr-222	39	33	2008	2008	NUM
asfbr-222	39	34	)	)	PUNCT
asfbr-222	39	35	.	.	PUNCT
asfbr-222	40	1	so	so	ADV
asfbr-222	40	2	llps	llp	VERB
asfbr-222	40	3	used	use	VERB
asfbr-222	40	4	for	for	ADP
asfbr-222	40	5	income	income	NOUN
asfbr-222	40	6	smoothing	smoothing	NOUN
asfbr-222	40	7	,	,	PUNCT
asfbr-222	40	8	which	which	PRON
asfbr-222	40	9	is	be	AUX
asfbr-222	40	10	a	a	DET
asfbr-222	40	11	practice	practice	NOUN
asfbr-222	40	12	for	for	ADP
asfbr-222	40	13	managing	manage	VERB
asfbr-222	40	14	profitability	profitability	NOUN
asfbr-222	40	15	.	.	PUNCT
asfbr-222	41	1	there	there	ADV
asfbr-222	41	2	few	few	ADJ
asfbr-222	41	3	studies	study	NOUN
asfbr-222	41	4	which	which	PRON
asfbr-222	41	5	found	find	VERB
asfbr-222	41	6	opposite	opposite	ADJ
asfbr-222	41	7	findings	finding	NOUN
asfbr-222	41	8	as	as	SCONJ
asfbr-222	41	9	stated	state	VERB
asfbr-222	41	10	earlier	early	ADV
asfbr-222	41	11	.	.	PUNCT
asfbr-222	42	1	bryce	bryce	PROPN
asfbr-222	42	2	et	et	PROPN
asfbr-222	42	3	al	al	PROPN
asfbr-222	42	4	.	.	PROPN
asfbr-222	43	1	(	(	PUNCT
asfbr-222	43	2	2015	2015	NUM
asfbr-222	43	3	)	)	PUNCT
asfbr-222	43	4	tested	test	VERB
asfbr-222	43	5	the	the	DET
asfbr-222	43	6	relationship	relationship	NOUN
asfbr-222	43	7	among	among	ADP
asfbr-222	43	8	the	the	DET
asfbr-222	43	9	income	income	NOUN
asfbr-222	43	10	smoothing	smoothing	NOUN
asfbr-222	43	11	,	,	PUNCT
asfbr-222	43	12	capital	capital	NOUN
asfbr-222	43	13	management	management	NOUN
asfbr-222	43	14	and	and	CCONJ
asfbr-222	43	15	the	the	DET
asfbr-222	43	16	cyclical	cyclical	ADJ
asfbr-222	43	17	hypotheses	hypothesis	NOUN
asfbr-222	43	18	on	on	ADP
asfbr-222	43	19	vietnamese	vietnamese	ADJ
asfbr-222	43	20	banks	bank	NOUN
asfbr-222	43	21	,	,	PUNCT
asfbr-222	43	22	but	but	CCONJ
asfbr-222	43	23	they	they	PRON
asfbr-222	43	24	did	do	AUX
asfbr-222	43	25	not	not	PART
asfbr-222	43	26	find	find	VERB
asfbr-222	43	27	any	any	DET
asfbr-222	43	28	significance	significance	NOUN
asfbr-222	43	29	to	to	PART
asfbr-222	43	30	use	use	VERB
asfbr-222	43	31	llps	llp	NOUN
asfbr-222	43	32	for	for	ADP
asfbr-222	43	33	income	income	NOUN
asfbr-222	43	34	smoothing	smoothing	NOUN
asfbr-222	43	35	.	.	PUNCT
asfbr-222	44	1	acar	acar	NOUN
asfbr-222	44	2	and	and	CCONJ
asfbr-222	44	3	ipci	ipci	VERB
asfbr-222	44	4	(	(	PUNCT
asfbr-222	44	5	2015	2015	NUM
asfbr-222	44	6	)	)	PUNCT
asfbr-222	44	7	investigated	investigate	VERB
asfbr-222	44	8	the	the	DET
asfbr-222	44	9	role	role	NOUN
asfbr-222	44	10	of	of	ADP
asfbr-222	44	11	llps	llp	NOUN
asfbr-222	44	12	for	for	ADP
asfbr-222	44	13	managing	manage	VERB
asfbr-222	44	14	capital	capital	NOUN
asfbr-222	44	15	and	and	CCONJ
asfbr-222	44	16	earnings	earning	NOUN
asfbr-222	44	17	of	of	ADP
asfbr-222	44	18	banks	bank	NOUN
asfbr-222	44	19	from	from	ADP
asfbr-222	44	20	2005	2005	NUM
asfbr-222	44	21	to	to	ADP
asfbr-222	44	22	2011	2011	NUM
asfbr-222	44	23	,	,	PUNCT
asfbr-222	44	24	focusing	focus	VERB
asfbr-222	44	25	28	28	NUM
asfbr-222	44	26	turkish	turkish	ADJ
asfbr-222	44	27	banks	bank	NOUN
asfbr-222	44	28	.	.	PUNCT
asfbr-222	45	1	they	they	PRON
asfbr-222	45	2	found	find	VERB
asfbr-222	45	3	the	the	DET
asfbr-222	45	4	use	use	NOUN
asfbr-222	45	5	of	of	ADP
asfbr-222	45	6	llps	llp	NOUN
asfbr-222	45	7	for	for	ADP
asfbr-222	45	8	profitability	profitability	NOUN
asfbr-222	45	9	in	in	ADP
asfbr-222	45	10	the	the	DET
asfbr-222	45	11	form	form	NOUN
asfbr-222	45	12	of	of	ADP
asfbr-222	45	13	earning	earn	VERB
asfbr-222	45	14	management	management	NOUN
asfbr-222	45	15	but	but	CCONJ
asfbr-222	45	16	this	this	DET
asfbr-222	45	17	scenario	scenario	NOUN
asfbr-222	45	18	changed	change	VERB
asfbr-222	45	19	during	during	ADP
asfbr-222	45	20	the	the	DET
asfbr-222	45	21	financial	financial	ADJ
asfbr-222	45	22	crisis	crisis	NOUN
asfbr-222	45	23	.	.	PUNCT
asfbr-222	46	1	abdul	abdul	PROPN
asfbr-222	46	2	adzis	adzis	PROPN
asfbr-222	46	3	et	et	PROPN
asfbr-222	46	4	al	al	PROPN
asfbr-222	46	5	.	.	PUNCT
asfbr-222	47	1	(	(	PUNCT
asfbr-222	47	2	2016	2016	NUM
asfbr-222	47	3	)	)	PUNCT
asfbr-222	47	4	explored	explore	VERB
asfbr-222	47	5	the	the	DET
asfbr-222	47	6	impact	impact	NOUN
asfbr-222	47	7	of	of	ADP
asfbr-222	47	8	llps	llp	NOUN
asfbr-222	47	9	on	on	ADP
asfbr-222	47	10	income	income	NOUN
asfbr-222	47	11	smoothing	smooth	VERB
asfbr-222	47	12	on	on	ADP
asfbr-222	47	13	the	the	DET
asfbr-222	47	14	banks	bank	NOUN
asfbr-222	47	15	in	in	ADP
asfbr-222	47	16	hong	hong	PROPN
asfbr-222	47	17	kong	kong	PROPN
asfbr-222	47	18	.	.	PUNCT
asfbr-222	48	1	their	their	PRON
asfbr-222	48	2	study	study	NOUN
asfbr-222	48	3	revealed	reveal	VERB
asfbr-222	48	4	that	that	SCONJ
asfbr-222	48	5	llps	llp	NOUN
asfbr-222	48	6	are	be	AUX
asfbr-222	48	7	used	use	VERB
asfbr-222	48	8	to	to	PART
asfbr-222	48	9	smooth	smooth	VERB
asfbr-222	48	10	income	income	NOUN
asfbr-222	48	11	but	but	CCONJ
asfbr-222	48	12	it	it	PRON
asfbr-222	48	13	decreased	decrease	VERB
asfbr-222	48	14	after	after	ADP
asfbr-222	48	15	the	the	DET
asfbr-222	48	16	use	use	NOUN
asfbr-222	48	17	of	of	ADP
asfbr-222	48	18	ias	ias	PROPN
asfbr-222	48	19	19	19	NUM
asfbr-222	48	20	.	.	PUNCT
asfbr-222	49	1	leventis	leventi	VERB
asfbr-222	49	2	et	et	PROPN
asfbr-222	49	3	al	al	PROPN
asfbr-222	49	4	.	.	PROPN
asfbr-222	50	1	(	(	PUNCT
asfbr-222	50	2	2011	2011	NUM
asfbr-222	50	3	)	)	PUNCT
asfbr-222	50	4	found	find	VERB
asfbr-222	50	5	the	the	DET
asfbr-222	50	6	use	use	NOUN
asfbr-222	50	7	of	of	ADP
asfbr-222	50	8	llps	llp	NOUN
asfbr-222	50	9	to	to	ADP
asfbr-222	50	10	signaling	signal	VERB
asfbr-222	50	11	purposes	purpose	NOUN
asfbr-222	50	12	,	,	PUNCT
asfbr-222	50	13	along	along	ADP
asfbr-222	50	14	with	with	ADP
asfbr-222	50	15	capital	capital	NOUN
asfbr-222	50	16	enhancement	enhancement	NOUN
asfbr-222	50	17	and	and	CCONJ
asfbr-222	50	18	income	income	NOUN
asfbr-222	50	19	management	management	NOUN
asfbr-222	50	20	.	.	PUNCT
asfbr-222	51	1	their	their	PRON
asfbr-222	51	2	study	study	NOUN
asfbr-222	51	3	was	be	AUX
asfbr-222	51	4	on	on	ADP
asfbr-222	51	5	91	91	NUM
asfbr-222	51	6	eu	eu	PROPN
asfbr-222	51	7	banks	bank	NOUN
asfbr-222	51	8	who	who	PRON
asfbr-222	51	9	adopted	adopt	VERB
asfbr-222	51	10	ifrs	ifrs	NOUN
asfbr-222	51	11	standards	standard	NOUN
asfbr-222	51	12	.	.	PUNCT
asfbr-222	52	1	the	the	DET
asfbr-222	52	2	adoption	adoption	NOUN
asfbr-222	52	3	of	of	ADP
asfbr-222	52	4	accounting	accounting	NOUN
asfbr-222	52	5	standard	standard	PROPN
asfbr-222	52	6	caused	cause	VERB
asfbr-222	52	7	the	the	DET
asfbr-222	52	8	change	change	NOUN
asfbr-222	52	9	of	of	ADP
asfbr-222	52	10	finding	finding	NOUN
asfbr-222	52	11	.	.	PUNCT
asfbr-222	53	1	their	their	PRON
asfbr-222	53	2	study	study	NOUN
asfbr-222	53	3	revealed	reveal	VERB
asfbr-222	53	4	that	that	SCONJ
asfbr-222	53	5	the	the	DET
asfbr-222	53	6	use	use	NOUN
asfbr-222	53	7	of	of	ADP
asfbr-222	53	8	llps	llp	NOUN
asfbr-222	53	9	to	to	PART
asfbr-222	53	10	income	income	NOUN
asfbr-222	53	11	smoothing	smoothing	NOUN
asfbr-222	53	12	was	be	AUX
asfbr-222	53	13	reduced	reduce	VERB
asfbr-222	53	14	after	after	ADP
asfbr-222	53	15	enacting	enact	VERB
asfbr-222	53	16	ifrs	ifrs	NOUN
asfbr-222	53	17	into	into	ADP
asfbr-222	53	18	the	the	DET
asfbr-222	53	19	banks	bank	NOUN
asfbr-222	53	20	.	.	PUNCT
asfbr-222	54	1	curcio	curcio	PROPN
asfbr-222	54	2	,	,	PUNCT
asfbr-222	54	3	de	de	X
asfbr-222	54	4	simone	simone	NOUN
asfbr-222	54	5	,	,	PUNCT
asfbr-222	54	6	and	and	CCONJ
asfbr-222	54	7	gallo	gallo	PROPN
asfbr-222	54	8	(	(	PUNCT
asfbr-222	54	9	2017	2017	NUM
asfbr-222	54	10	)	)	PUNCT
asfbr-222	54	11	did	do	VERB
asfbr-222	54	12	a	a	DET
asfbr-222	54	13	study	study	NOUN
asfbr-222	54	14	on	on	ADP
asfbr-222	54	15	the	the	DET
asfbr-222	54	16	use	use	NOUN
asfbr-222	54	17	of	of	ADP
asfbr-222	54	18	discretionary	discretionary	ADJ
asfbr-222	54	19	llps	llp	NOUN
asfbr-222	54	20	for	for	ADP
asfbr-222	54	21	income	income	NOUN
asfbr-222	54	22	smoothing	smoothing	NOUN
asfbr-222	54	23	and	and	CCONJ
asfbr-222	54	24	profitability	profitability	NOUN
asfbr-222	54	25	.	.	PUNCT
asfbr-222	55	1	the	the	DET
asfbr-222	55	2	banks	bank	NOUN
asfbr-222	55	3	were	be	AUX
asfbr-222	55	4	studied	study	VERB
asfbr-222	55	5	when	when	SCONJ
asfbr-222	55	6	a	a	DET
asfbr-222	55	7	financial	financial	ADJ
asfbr-222	55	8	crisis	crisis	NOUN
asfbr-222	55	9	was	be	AUX
asfbr-222	55	10	in	in	ADP
asfbr-222	55	11	progress	progress	NOUN
asfbr-222	55	12	;	;	PUNCT
asfbr-222	55	13	the	the	DET
asfbr-222	55	14	banks	bank	NOUN
asfbr-222	55	15	were	be	AUX
asfbr-222	55	16	facing	face	VERB
asfbr-222	55	17	deterioration	deterioration	NOUN
asfbr-222	55	18	in	in	ADP
asfbr-222	55	19	loan	loan	NOUN
asfbr-222	55	20	quality	quality	NOUN
asfbr-222	55	21	.	.	PUNCT
asfbr-222	56	1	their	their	PRON
asfbr-222	56	2	study	study	NOUN
asfbr-222	56	3	found	find	VERB
asfbr-222	56	4	that	that	SCONJ
asfbr-222	56	5	these	these	DET
asfbr-222	56	6	characteristics	characteristic	NOUN
asfbr-222	56	7	caused	cause	VERB
asfbr-222	56	8	significant	significant	ADJ
asfbr-222	56	9	loss	loss	NOUN
asfbr-222	56	10	of	of	ADP
asfbr-222	56	11	profitability	profitability	NOUN
asfbr-222	56	12	.	.	PUNCT
asfbr-222	57	1	they	they	PRON
asfbr-222	57	2	also	also	ADV
asfbr-222	57	3	found	find	VERB
asfbr-222	57	4	evidence	evidence	NOUN
asfbr-222	57	5	for	for	ADP
asfbr-222	57	6	income	income	NOUN
asfbr-222	57	7	smoothing	smooth	VERB
asfbr-222	57	8	via	via	ADP
asfbr-222	57	9	llps	llp	NOUN
asfbr-222	57	10	.	.	PUNCT
asfbr-222	58	1	if	if	SCONJ
asfbr-222	58	2	the	the	DET
asfbr-222	58	3	life	life	NOUN
asfbr-222	58	4	of	of	ADP
asfbr-222	58	5	a	a	DET
asfbr-222	58	6	loan	loan	NOUN
asfbr-222	58	7	is	be	AUX
asfbr-222	58	8	considered	consider	VERB
asfbr-222	58	9	,	,	PUNCT
asfbr-222	58	10	from	from	ADP
asfbr-222	58	11	the	the	DET
asfbr-222	58	12	sourcing	sourcing	NOUN
asfbr-222	58	13	of	of	ADP
asfbr-222	58	14	a	a	DET
asfbr-222	58	15	loan	loan	NOUN
asfbr-222	58	16	to	to	ADP
asfbr-222	58	17	the	the	DET
asfbr-222	58	18	payment	payment	NOUN
asfbr-222	58	19	of	of	ADP
asfbr-222	58	20	the	the	DET
asfbr-222	58	21	last	last	ADJ
asfbr-222	58	22	installment	installment	NOUN
asfbr-222	58	23	,	,	PUNCT
asfbr-222	58	24	there	there	PRON
asfbr-222	58	25	will	will	AUX
asfbr-222	58	26	be	be	AUX
asfbr-222	58	27	a	a	DET
asfbr-222	58	28	chance	chance	NOUN
asfbr-222	58	29	of	of	ADP
asfbr-222	58	30	loss	loss	NOUN
asfbr-222	58	31	always	always	ADV
asfbr-222	58	32	.	.	PUNCT
asfbr-222	59	1	these	these	DET
asfbr-222	59	2	losses	loss	NOUN
asfbr-222	59	3	played	play	VERB
asfbr-222	59	4	a	a	DET
asfbr-222	59	5	major	major	ADJ
asfbr-222	59	6	role	role	NOUN
asfbr-222	59	7	in	in	ADP
asfbr-222	59	8	determining	determine	VERB
asfbr-222	59	9	the	the	DET
asfbr-222	59	10	profitability	profitability	NOUN
asfbr-222	59	11	of	of	ADP
asfbr-222	59	12	a	a	DET
asfbr-222	59	13	bank	bank	NOUN
asfbr-222	59	14	in	in	ADP
asfbr-222	59	15	the	the	DET
asfbr-222	59	16	long	long	ADV
asfbr-222	59	17	-	-	PUNCT
asfbr-222	59	18	run	run	NOUN
asfbr-222	59	19	,	,	PUNCT
asfbr-222	59	20	as	as	SCONJ
asfbr-222	59	21	the	the	DET
asfbr-222	59	22	major	major	ADJ
asfbr-222	59	23	income	income	NOUN
asfbr-222	59	24	generating	generating	NOUN
asfbr-222	59	25	assets	asset	NOUN
asfbr-222	59	26	is	be	AUX
asfbr-222	59	27	loan	loan	NOUN
asfbr-222	59	28	and	and	CCONJ
asfbr-222	59	29	advances	advance	NOUN
asfbr-222	59	30	.	.	PUNCT
asfbr-222	60	1	rahman	rahman	PROPN
asfbr-222	60	2	(	(	PUNCT
asfbr-222	60	3	2013	2013	NUM
asfbr-222	60	4	)	)	PUNCT
asfbr-222	60	5	opined	opine	VERB
asfbr-222	60	6	that	that	SCONJ
asfbr-222	60	7	the	the	DET
asfbr-222	60	8	llps	llp	NOUN
asfbr-222	60	9	may	may	AUX
asfbr-222	60	10	not	not	PART
asfbr-222	60	11	influence	influence	VERB
asfbr-222	60	12	the	the	DET
asfbr-222	60	13	profitability	profitability	NOUN
asfbr-222	60	14	of	of	ADP
asfbr-222	60	15	a	a	DET
asfbr-222	60	16	bank	bank	NOUN
asfbr-222	60	17	in	in	ADP
asfbr-222	60	18	the	the	DET
asfbr-222	60	19	long	long	ADJ
asfbr-222	60	20	run	run	NOUN
asfbr-222	60	21	,	,	PUNCT
asfbr-222	60	22	but	but	CCONJ
asfbr-222	60	23	it	it	PRON
asfbr-222	60	24	affects	affect	VERB
asfbr-222	60	25	the	the	DET
asfbr-222	60	26	timing	timing	NOUN
asfbr-222	60	27	of	of	ADP
asfbr-222	60	28	loan	loan	NOUN
asfbr-222	60	29	losses	loss	NOUN
asfbr-222	60	30	.	.	PUNCT
asfbr-222	61	1	he	he	PRON
asfbr-222	61	2	also	also	ADV
asfbr-222	61	3	emphasized	emphasize	VERB
asfbr-222	61	4	on	on	ADP
asfbr-222	61	5	the	the	DET
asfbr-222	61	6	number	number	NOUN
asfbr-222	61	7	of	of	ADP
asfbr-222	61	8	provisions	provision	NOUN
asfbr-222	61	9	,	,	PUNCT
asfbr-222	61	10	where	where	SCONJ
asfbr-222	61	11	a	a	DET
asfbr-222	61	12	higher	high	ADJ
asfbr-222	61	13	provision	provision	NOUN
asfbr-222	61	14	can	can	AUX
asfbr-222	61	15	cause	cause	VERB
asfbr-222	61	16	lack	lack	NOUN
asfbr-222	61	17	of	of	ADP
asfbr-222	61	18	profitability	profitability	NOUN
asfbr-222	61	19	at	at	ADP
asfbr-222	61	20	present	present	ADJ
asfbr-222	61	21	but	but	CCONJ
asfbr-222	61	22	shifted	shift	VERB
asfbr-222	61	23	the	the	DET
asfbr-222	61	24	future	future	NOUN
asfbr-222	61	25	,	,	PUNCT
asfbr-222	61	26	in	in	ADP
asfbr-222	61	27	case	case	NOUN
asfbr-222	61	28	of	of	ADP
asfbr-222	61	29	lower	low	ADJ
asfbr-222	61	30	llps	llp	NOUN
asfbr-222	61	31	,	,	PUNCT
asfbr-222	61	32	the	the	DET
asfbr-222	61	33	level	level	NOUN
asfbr-222	61	34	of	of	ADP
asfbr-222	61	35	profitability	profitability	NOUN
asfbr-222	61	36	will	will	AUX
asfbr-222	61	37	prevail	prevail	VERB
asfbr-222	61	38	at	at	ADP
asfbr-222	61	39	present	present	ADJ
asfbr-222	61	40	by	by	ADP
asfbr-222	61	41	shifting	shift	VERB
asfbr-222	61	42	it	it	PRON
asfbr-222	61	43	from	from	ADP
asfbr-222	61	44	future	future	NOUN
asfbr-222	61	45	.	.	PUNCT
asfbr-222	62	1	for	for	ADP
asfbr-222	62	2	profitability	profitability	NOUN
asfbr-222	62	3	analysis	analysis	NOUN
asfbr-222	62	4	,	,	PUNCT
asfbr-222	62	5	different	different	ADJ
asfbr-222	62	6	measures	measure	NOUN
asfbr-222	62	7	of	of	ADP
asfbr-222	62	8	evaluation	evaluation	NOUN
asfbr-222	62	9	were	be	AUX
asfbr-222	62	10	used	use	VERB
asfbr-222	62	11	in	in	ADP
asfbr-222	62	12	the	the	DET
asfbr-222	62	13	different	different	ADJ
asfbr-222	62	14	study	study	NOUN
asfbr-222	62	15	across	across	ADP
asfbr-222	62	16	the	the	DET
asfbr-222	62	17	world	world	NOUN
asfbr-222	62	18	.	.	PUNCT
asfbr-222	63	1	to	to	PART
asfbr-222	63	2	represent	represent	VERB
asfbr-222	63	3	profitability	profitability	NOUN
asfbr-222	63	4	return	return	NOUN
asfbr-222	63	5	of	of	ADP
asfbr-222	63	6	equity	equity	NOUN
asfbr-222	63	7	,	,	PUNCT
asfbr-222	63	8	return	return	VERB
asfbr-222	63	9	on	on	ADP
asfbr-222	63	10	assets	asset	NOUN
asfbr-222	63	11	and	and	CCONJ
asfbr-222	63	12	earnings	earning	NOUN
asfbr-222	63	13	per	per	ADP
asfbr-222	63	14	share	share	NOUN
asfbr-222	63	15	were	be	AUX
asfbr-222	63	16	used	use	VERB
asfbr-222	63	17	to	to	PART
asfbr-222	63	18	find	find	VERB
asfbr-222	63	19	out	out	ADP
asfbr-222	63	20	their	their	PRON
asfbr-222	63	21	changes	change	NOUN
asfbr-222	63	22	due	due	ADP
asfbr-222	63	23	to	to	ADP
asfbr-222	63	24	the	the	DET
asfbr-222	63	25	changes	change	NOUN
asfbr-222	63	26	in	in	ADP
asfbr-222	63	27	the	the	DET
asfbr-222	63	28	net	net	ADJ
asfbr-222	63	29	liquidity	liquidity	NOUN
asfbr-222	63	30	gap	gap	NOUN
asfbr-222	63	31	on	on	ADP
asfbr-222	63	32	some	some	DET
asfbr-222	63	33	selected	select	VERB
asfbr-222	63	34	banks	bank	NOUN
asfbr-222	63	35	in	in	ADP
asfbr-222	63	36	bangladesh	bangladesh	PROPN
asfbr-222	63	37	(	(	PUNCT
asfbr-222	63	38	islam	islam	PROPN
asfbr-222	63	39	&	&	CCONJ
asfbr-222	63	40	hasan	hasan	PROPN
asfbr-222	63	41	,	,	PUNCT
asfbr-222	63	42	2015	2015	NUM
asfbr-222	63	43	)	)	PUNCT
asfbr-222	63	44	.	.	PUNCT
asfbr-222	64	1	islam	islam	PROPN
asfbr-222	64	2	,	,	PUNCT
asfbr-222	64	3	et	et	PROPN
asfbr-222	64	4	al	al	PROPN
asfbr-222	64	5	(	(	PUNCT
asfbr-222	64	6	2013	2013	NUM
asfbr-222	64	7	)	)	PUNCT
asfbr-222	64	8	had	have	AUX
asfbr-222	64	9	used	use	VERB
asfbr-222	64	10	earnings	earning	NOUN
asfbr-222	64	11	per	per	ADP
asfbr-222	64	12	share	share	NOUN
asfbr-222	64	13	as	as	ADP
asfbr-222	64	14	the	the	DET
asfbr-222	64	15	agent	agent	NOUN
asfbr-222	64	16	of	of	ADP
asfbr-222	64	17	performance	performance	NOUN
asfbr-222	64	18	as	as	ADV
asfbr-222	64	19	well	well	ADV
asfbr-222	64	20	to	to	PART
asfbr-222	64	21	analyze	analyze	VERB
asfbr-222	64	22	the	the	DET
asfbr-222	64	23	performance	performance	NOUN
asfbr-222	64	24	of	of	ADP
asfbr-222	64	25	banks	bank	NOUN
asfbr-222	64	26	in	in	ADP
asfbr-222	64	27	bangladesh	bangladesh	PROPN
asfbr-222	64	28	.	.	PUNCT
asfbr-222	65	1	based	base	VERB
asfbr-222	65	2	on	on	ADP
asfbr-222	65	3	the	the	DET
asfbr-222	65	4	above	above	PROPN
asfbr-222	65	5	literature	literature	NOUN
asfbr-222	65	6	review	review	NOUN
asfbr-222	65	7	outcomes	outcome	NOUN
asfbr-222	65	8	and	and	CCONJ
asfbr-222	65	9	relevant	relevant	ADJ
asfbr-222	65	10	discussions	discussion	NOUN
asfbr-222	65	11	,	,	PUNCT
asfbr-222	65	12	it	it	PRON
asfbr-222	65	13	may	may	AUX
asfbr-222	65	14	become	become	VERB
asfbr-222	65	15	useful	useful	ADJ
asfbr-222	65	16	to	to	PART
asfbr-222	65	17	give	give	VERB
asfbr-222	65	18	effort	effort	NOUN
asfbr-222	65	19	to	to	PART
asfbr-222	65	20	understand	understand	VERB
asfbr-222	65	21	and	and	CCONJ
asfbr-222	65	22	evaluate	evaluate	VERB
asfbr-222	65	23	the	the	DET
asfbr-222	65	24	llps	llp	NOUN
asfbr-222	65	25	for	for	ADP
asfbr-222	65	26	npls	npls	NOUN
asfbr-222	65	27	for	for	ADP
asfbr-222	65	28	their	their	PRON
asfbr-222	65	29	impact	impact	NOUN
asfbr-222	65	30	on	on	ADP
asfbr-222	65	31	profitability	profitability	NOUN
asfbr-222	65	32	in	in	ADP
asfbr-222	65	33	the	the	DET
asfbr-222	65	34	banking	banking	NOUN
asfbr-222	65	35	system	system	NOUN
asfbr-222	65	36	of	of	ADP
asfbr-222	65	37	bangladesh	bangladesh	NOUN
asfbr-222	65	38	.	.	PUNCT
asfbr-222	66	1	so	so	ADV
asfbr-222	66	2	the	the	DET
asfbr-222	66	3	objective	objective	NOUN
asfbr-222	66	4	of	of	ADP
asfbr-222	66	5	this	this	DET
asfbr-222	66	6	empirical	empirical	ADJ
asfbr-222	66	7	study	study	NOUN
asfbr-222	66	8	is	be	AUX
asfbr-222	66	9	to	to	PART
asfbr-222	66	10	understand	understand	VERB
asfbr-222	66	11	the	the	DET
asfbr-222	66	12	llps	llp	NOUN
asfbr-222	66	13	maintained	maintain	VERB
asfbr-222	66	14	for	for	ADP
asfbr-222	66	15	npls	npls	NOUN
asfbr-222	66	16	by	by	ADP
asfbr-222	66	17	the	the	DET
asfbr-222	66	18	commercial	commercial	ADJ
asfbr-222	66	19	banks	bank	NOUN
asfbr-222	66	20	in	in	ADP
asfbr-222	66	21	bangladesh	bangladesh	NOUN
asfbr-222	66	22	and	and	CCONJ
asfbr-222	66	23	then	then	ADV
asfbr-222	66	24	to	to	PART
asfbr-222	66	25	estimate	estimate	VERB
asfbr-222	66	26	and	and	CCONJ
asfbr-222	66	27	evaluate	evaluate	VERB
asfbr-222	66	28	the	the	DET
asfbr-222	66	29	impact	impact	NOUN
asfbr-222	66	30	of	of	ADP
asfbr-222	66	31	the	the	DET
asfbr-222	66	32	llps	llp	NOUN
asfbr-222	66	33	along	along	ADP
asfbr-222	66	34	with	with	ADP
asfbr-222	66	35	npls	npls	NOUN
asfbr-222	66	36	,	,	PUNCT
asfbr-222	66	37	on	on	ADP
asfbr-222	66	38	the	the	DET
asfbr-222	66	39	profitability	profitability	NOUN
asfbr-222	66	40	of	of	ADP
asfbr-222	66	41	banks	bank	NOUN
asfbr-222	66	42	.	.	PUNCT
asfbr-222	67	1	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-222	67	2	asian	asian	PROPN
asfbr-222	67	3	finance	finance	PROPN
asfbr-222	67	4	&	&	CCONJ
asfbr-222	67	5	banking	banking	PROPN
asfbr-222	67	6	review	review	PROPN
asfbr-222	67	7	vol	vol	NOUN
asfbr-222	67	8	.	.	PROPN
asfbr-222	68	1	2	2	NUM
asfbr-222	68	2	,	,	PUNCT
asfbr-222	68	3	no	no	INTJ
asfbr-222	68	4	.	.	NOUN
asfbr-222	68	5	2	2	NUM
asfbr-222	68	6	;	;	PUNCT
asfbr-222	68	7	2018	2018	NUM
asfbr-222	68	8	35	35	NUM
asfbr-222	68	9	it	it	PRON
asfbr-222	68	10	will	will	AUX
asfbr-222	68	11	show	show	VERB
asfbr-222	68	12	us	we	PRON
asfbr-222	68	13	the	the	DET
asfbr-222	68	14	relationship	relationship	NOUN
asfbr-222	68	15	between	between	ADP
asfbr-222	68	16	loan	loan	NOUN
asfbr-222	68	17	loss	loss	NOUN
asfbr-222	68	18	provisioning	provisioning	NOUN
asfbr-222	68	19	and	and	CCONJ
asfbr-222	68	20	profitability	profitability	NOUN
asfbr-222	68	21	in	in	ADP
asfbr-222	68	22	the	the	DET
asfbr-222	68	23	form	form	NOUN
asfbr-222	68	24	of	of	ADP
asfbr-222	68	25	impact	impact	NOUN
asfbr-222	68	26	analysis	analysis	NOUN
asfbr-222	68	27	and	and	CCONJ
asfbr-222	68	28	can	can	AUX
asfbr-222	68	29	be	be	AUX
asfbr-222	68	30	used	use	VERB
asfbr-222	68	31	for	for	ADP
asfbr-222	68	32	finding	find	VERB
asfbr-222	68	33	future	future	ADJ
asfbr-222	68	34	direction	direction	NOUN
asfbr-222	68	35	of	of	ADP
asfbr-222	68	36	research	research	NOUN
asfbr-222	68	37	in	in	ADP
asfbr-222	68	38	the	the	DET
asfbr-222	68	39	field	field	NOUN
asfbr-222	68	40	of	of	ADP
asfbr-222	68	41	finance	finance	NOUN
asfbr-222	68	42	and	and	CCONJ
asfbr-222	68	43	banking	banking	NOUN
asfbr-222	68	44	.	.	PUNCT
asfbr-222	69	1	3	3	X
asfbr-222	69	2	.	.	X
asfbr-222	69	3	research	research	NOUN
asfbr-222	69	4	data	datum	NOUN
asfbr-222	69	5	and	and	CCONJ
asfbr-222	69	6	methodology	methodology	NOUN
asfbr-222	69	7	this	this	DET
asfbr-222	69	8	study	study	NOUN
asfbr-222	69	9	is	be	AUX
asfbr-222	69	10	a	a	DET
asfbr-222	69	11	quantitative	quantitative	ADJ
asfbr-222	69	12	form	form	NOUN
asfbr-222	69	13	of	of	ADP
asfbr-222	69	14	research	research	NOUN
asfbr-222	69	15	.	.	PUNCT
asfbr-222	70	1	the	the	DET
asfbr-222	70	2	data	datum	NOUN
asfbr-222	70	3	used	use	VERB
asfbr-222	70	4	in	in	ADP
asfbr-222	70	5	this	this	DET
asfbr-222	70	6	study	study	NOUN
asfbr-222	70	7	is	be	AUX
asfbr-222	70	8	mostly	mostly	ADV
asfbr-222	70	9	historical	historical	ADJ
asfbr-222	70	10	data	datum	NOUN
asfbr-222	70	11	.	.	PUNCT
asfbr-222	71	1	the	the	DET
asfbr-222	71	2	data	datum	NOUN
asfbr-222	71	3	used	use	VERB
asfbr-222	71	4	in	in	ADP
asfbr-222	71	5	this	this	DET
asfbr-222	71	6	research	research	NOUN
asfbr-222	71	7	is	be	AUX
asfbr-222	71	8	aggregate	aggregate	ADJ
asfbr-222	71	9	data	datum	NOUN
asfbr-222	71	10	of	of	ADP
asfbr-222	71	11	56	56	NUM
asfbr-222	71	12	commercial	commercial	ADJ
asfbr-222	71	13	banks	bank	NOUN
asfbr-222	71	14	operating	operate	VERB
asfbr-222	71	15	in	in	ADP
asfbr-222	71	16	bangladesh	bangladesh	NOUN
asfbr-222	71	17	.	.	PUNCT
asfbr-222	72	1	there	there	PRON
asfbr-222	72	2	are	be	VERB
asfbr-222	72	3	9	9	NUM
asfbr-222	72	4	variables	variable	NOUN
asfbr-222	72	5	used	use	VERB
asfbr-222	72	6	in	in	ADP
asfbr-222	72	7	this	this	DET
asfbr-222	72	8	study	study	NOUN
asfbr-222	72	9	which	which	PRON
asfbr-222	72	10	are	be	AUX
asfbr-222	72	11	collected	collect	VERB
asfbr-222	72	12	from	from	ADP
asfbr-222	72	13	the	the	DET
asfbr-222	72	14	financial	financial	ADJ
asfbr-222	72	15	stability	stability	NOUN
asfbr-222	72	16	report	report	NOUN
asfbr-222	72	17	of	of	ADP
asfbr-222	72	18	2010	2010	NUM
asfbr-222	72	19	-	-	SYM
asfbr-222	72	20	2017	2017	NUM
asfbr-222	72	21	published	publish	VERB
asfbr-222	72	22	by	by	ADP
asfbr-222	72	23	the	the	DET
asfbr-222	72	24	financial	financial	ADJ
asfbr-222	72	25	stability	stability	PROPN
asfbr-222	72	26	department	department	NOUN
asfbr-222	72	27	.	.	PUNCT
asfbr-222	73	1	so	so	ADV
asfbr-222	73	2	the	the	DET
asfbr-222	73	3	data	datum	NOUN
asfbr-222	73	4	used	use	VERB
asfbr-222	73	5	in	in	ADP
asfbr-222	73	6	this	this	DET
asfbr-222	73	7	study	study	NOUN
asfbr-222	73	8	has	have	VERB
asfbr-222	73	9	a	a	DET
asfbr-222	73	10	time	time	NOUN
asfbr-222	73	11	frame	frame	NOUN
asfbr-222	73	12	of	of	ADP
asfbr-222	73	13	09	09	NUM
asfbr-222	73	14	years	year	NOUN
asfbr-222	73	15	starting	start	VERB
asfbr-222	73	16	from	from	ADP
asfbr-222	73	17	2009	2009	NUM
asfbr-222	73	18	to	to	ADP
asfbr-222	73	19	2017	2017	NUM
asfbr-222	73	20	.	.	PUNCT
asfbr-222	74	1	figure	figure	NOUN
asfbr-222	74	2	1	1	NUM
asfbr-222	74	3	.	.	PUNCT
asfbr-222	74	4	conceptual	conceptual	ADJ
asfbr-222	74	5	framework	framework	NOUN
asfbr-222	74	6	of	of	ADP
asfbr-222	74	7	impact	impact	NOUN
asfbr-222	74	8	analysis	analysis	NOUN
asfbr-222	74	9	on	on	ADP
asfbr-222	74	10	profitability	profitability	NOUN
asfbr-222	74	11	by	by	ADP
asfbr-222	74	12	llp	llp	PROPN
asfbr-222	74	13	along	along	ADP
asfbr-222	74	14	with	with	ADP
asfbr-222	74	15	nlps	nlp	NOUN
asfbr-222	74	16	.	.	PUNCT
asfbr-222	75	1	as	as	SCONJ
asfbr-222	75	2	shown	show	VERB
asfbr-222	75	3	in	in	ADP
asfbr-222	75	4	the	the	DET
asfbr-222	75	5	above	above	ADJ
asfbr-222	75	6	figure	figure	NOUN
asfbr-222	75	7	,	,	PUNCT
asfbr-222	75	8	the	the	DET
asfbr-222	75	9	study	study	NOUN
asfbr-222	75	10	has	have	AUX
asfbr-222	75	11	identified	identify	VERB
asfbr-222	75	12	two	two	NUM
asfbr-222	75	13	separate	separate	ADJ
asfbr-222	75	14	segments	segment	NOUN
asfbr-222	75	15	of	of	ADP
asfbr-222	75	16	profitability	profitability	NOUN
asfbr-222	75	17	of	of	ADP
asfbr-222	75	18	a	a	DET
asfbr-222	75	19	commercial	commercial	ADJ
asfbr-222	75	20	bank	bank	NOUN
asfbr-222	75	21	,	,	PUNCT
asfbr-222	75	22	one	one	NUM
asfbr-222	75	23	is	be	AUX
asfbr-222	75	24	non	non	ADJ
asfbr-222	75	25	-	-	ADJ
asfbr-222	75	26	interest	interest	ADJ
asfbr-222	75	27	segment	segment	NOUN
asfbr-222	75	28	which	which	PRON
asfbr-222	75	29	are	be	AUX
asfbr-222	75	30	not	not	PART
asfbr-222	75	31	related	relate	VERB
asfbr-222	75	32	to	to	ADP
asfbr-222	75	33	loans	loan	NOUN
asfbr-222	75	34	and	and	CCONJ
asfbr-222	75	35	advances	advance	NOUN
asfbr-222	75	36	and	and	CCONJ
asfbr-222	75	37	the	the	DET
asfbr-222	75	38	other	other	ADJ
asfbr-222	75	39	one	one	NOUN
asfbr-222	75	40	is	be	AUX
asfbr-222	75	41	net	net	ADJ
asfbr-222	75	42	-	-	PUNCT
asfbr-222	75	43	interest	interest	NOUN
asfbr-222	75	44	segment	segment	NOUN
asfbr-222	75	45	which	which	PRON
asfbr-222	75	46	directly	directly	ADV
asfbr-222	75	47	related	relate	VERB
asfbr-222	75	48	to	to	ADP
asfbr-222	75	49	loans	loan	NOUN
asfbr-222	75	50	,	,	PUNCT
asfbr-222	75	51	npls	npls	NOUN
asfbr-222	75	52	,	,	PUNCT
asfbr-222	75	53	llps	llp	NOUN
asfbr-222	75	54	.	.	PUNCT
asfbr-222	76	1	for	for	ADP
asfbr-222	76	2	a	a	DET
asfbr-222	76	3	commercial	commercial	ADJ
asfbr-222	76	4	bank	bank	NOUN
asfbr-222	76	5	,	,	PUNCT
asfbr-222	76	6	income	income	NOUN
asfbr-222	76	7	can	can	AUX
asfbr-222	76	8	be	be	AUX
asfbr-222	76	9	generated	generate	VERB
asfbr-222	76	10	from	from	ADP
asfbr-222	76	11	two	two	NUM
asfbr-222	76	12	different	different	ADJ
asfbr-222	76	13	sources	source	NOUN
asfbr-222	76	14	,	,	PUNCT
asfbr-222	76	15	firstly	firstly	ADV
asfbr-222	76	16	through	through	ADP
asfbr-222	76	17	interest	interest	NOUN
asfbr-222	76	18	income	income	NOUN
asfbr-222	76	19	and	and	CCONJ
asfbr-222	76	20	secondly	secondly	ADV
asfbr-222	76	21	,	,	PUNCT
asfbr-222	76	22	non	non	ADJ
asfbr-222	76	23	-	-	ADJ
asfbr-222	76	24	interest	interest	ADJ
asfbr-222	76	25	income	income	NOUN
asfbr-222	76	26	from	from	ADP
asfbr-222	76	27	investment	investment	NOUN
asfbr-222	76	28	in	in	ADP
asfbr-222	76	29	other	other	ADJ
asfbr-222	76	30	assets	asset	NOUN
asfbr-222	76	31	except	except	SCONJ
asfbr-222	76	32	loan	loan	NOUN
asfbr-222	76	33	and	and	CCONJ
asfbr-222	76	34	advances	advance	NOUN
asfbr-222	76	35	.	.	PUNCT
asfbr-222	77	1	for	for	ADP
asfbr-222	77	2	this	this	DET
asfbr-222	77	3	reason	reason	NOUN
asfbr-222	77	4	,	,	PUNCT
asfbr-222	77	5	the	the	DET
asfbr-222	77	6	model	model	NOUN
asfbr-222	77	7	to	to	PART
asfbr-222	77	8	be	be	AUX
asfbr-222	77	9	analyzed	analyze	VERB
asfbr-222	77	10	is	be	AUX
asfbr-222	77	11	twofold	twofold	NOUN
asfbr-222	77	12	as	as	SCONJ
asfbr-222	77	13	follows	follow	VERB
asfbr-222	77	14	noita=	noita=	NUM
asfbr-222	77	15	𝜶	𝜶	PART
asfbr-222	77	16	+	+	NUM
asfbr-222	77	17	𝜷𝟏	𝜷𝟏	NOUN
asfbr-222	77	18	∗	∗	NOUN
asfbr-222	77	19	𝑵𝑷𝑳𝑻𝑳	𝑵𝑷𝑳𝑻𝑳	PROPN
asfbr-222	77	20	+	+	CCONJ
asfbr-222	77	21	𝜷𝟐	𝜷𝟐	NOUN
asfbr-222	77	22	∗	∗	NOUN
asfbr-222	77	23	𝑳𝑳𝑷𝑴	𝑳𝑳𝑷𝑴	NOUN
asfbr-222	77	24	+	+	CCONJ
asfbr-222	77	25	𝜷𝟑	𝜷𝟑	PROPN
asfbr-222	77	26	∗	∗	NOUN
asfbr-222	77	27	𝑺𝑺𝑹𝑳𝑷	𝑺𝑺𝑹𝑳𝑷	PROPN
asfbr-222	77	28	+	+	CCONJ
asfbr-222	77	29	𝜺	𝜺	VERB
asfbr-222	77	30	……	……	NOUN
asfbr-222	77	31	……	……	NOUN
asfbr-222	77	32	……	……	NOUN
asfbr-222	77	33	……	……	NOUN
asfbr-222	77	34	……	……	NOUN
asfbr-222	77	35	……	……	NOUN
asfbr-222	77	36	……	……	NOUN
asfbr-222	77	37	……	……	NOUN
asfbr-222	77	38	……	……	NOUN
asfbr-222	77	39	……	……	NOUN
asfbr-222	77	40	.	.	PUNCT
asfbr-222	78	1	(	(	PUNCT
asfbr-222	78	2	1	1	X
asfbr-222	78	3	)	)	PUNCT
asfbr-222	78	4	here	here	ADV
asfbr-222	78	5	,	,	PUNCT
asfbr-222	78	6	the	the	DET
asfbr-222	78	7	depended	depended	ADJ
asfbr-222	78	8	variable	variable	NOUN
asfbr-222	78	9	is	be	AUX
asfbr-222	78	10	the	the	DET
asfbr-222	78	11	non	non	ADJ
asfbr-222	78	12	-	-	ADJ
asfbr-222	78	13	interest	interest	ADJ
asfbr-222	78	14	income	income	NOUN
asfbr-222	78	15	to	to	ADP
asfbr-222	78	16	total	total	ADJ
asfbr-222	78	17	assets	asset	NOUN
asfbr-222	78	18	(	(	PUNCT
asfbr-222	78	19	noita	noita	PROPN
asfbr-222	78	20	)	)	PUNCT
asfbr-222	78	21	,	,	PUNCT
asfbr-222	78	22	which	which	PRON
asfbr-222	78	23	is	be	AUX
asfbr-222	78	24	the	the	DET
asfbr-222	78	25	proxy	proxy	NOUN
asfbr-222	78	26	for	for	ADP
asfbr-222	78	27	the	the	DET
asfbr-222	78	28	profitability	profitability	NOUN
asfbr-222	78	29	of	of	ADP
asfbr-222	78	30	the	the	DET
asfbr-222	78	31	banking	banking	NOUN
asfbr-222	78	32	sector	sector	NOUN
asfbr-222	78	33	in	in	ADP
asfbr-222	78	34	bangladesh	bangladesh	NOUN
asfbr-222	78	35	.	.	PUNCT
asfbr-222	79	1	the	the	DET
asfbr-222	79	2	independent	independent	ADJ
asfbr-222	79	3	variables	variable	NOUN
asfbr-222	79	4	are	be	AUX
asfbr-222	79	5	gross	gross	ADJ
asfbr-222	79	6	npl	npl	PROPN
asfbr-222	79	7	to	to	ADP
asfbr-222	79	8	total	total	ADJ
asfbr-222	79	9	loans	loan	NOUN
asfbr-222	79	10	outstanding	outstanding	ADJ
asfbr-222	79	11	(	(	PUNCT
asfbr-222	79	12	npltl	npltl	NOUN
asfbr-222	79	13	)	)	PUNCT
asfbr-222	79	14	,	,	PUNCT
asfbr-222	79	15	loan	loan	NOUN
asfbr-222	79	16	loss	loss	NOUN
asfbr-222	79	17	provision	provision	NOUN
asfbr-222	79	18	maintained	maintain	VERB
asfbr-222	79	19	(	(	PUNCT
asfbr-222	79	20	llpm	llpm	NOUN
asfbr-222	79	21	)	)	PUNCT
asfbr-222	79	22	,	,	PUNCT
asfbr-222	79	23	and	and	CCONJ
asfbr-222	79	24	surplus/(shortfall	surplus/(shortfall	PRON
asfbr-222	79	25	)	)	PUNCT
asfbr-222	79	26	resulted	result	VERB
asfbr-222	79	27	from	from	ADP
asfbr-222	79	28	the	the	DET
asfbr-222	79	29	required	require	VERB
asfbr-222	79	30	loan	loan	NOUN
asfbr-222	79	31	provisioning	provisioning	NOUN
asfbr-222	79	32	(	(	PUNCT
asfbr-222	79	33	ssrlp	ssrlp	PROPN
asfbr-222	79	34	)	)	PUNCT
asfbr-222	79	35	,	,	PUNCT
asfbr-222	79	36	and	and	CCONJ
asfbr-222	79	37	the	the	DET
asfbr-222	79	38	error	error	NOUN
asfbr-222	79	39	terms	term	NOUN
asfbr-222	79	40	.	.	PUNCT
asfbr-222	80	1	niita=	niita=	NUM
asfbr-222	80	2	𝜶	𝜶	NOUN
asfbr-222	80	3	+	+	NUM
asfbr-222	80	4	𝜷𝟏	𝜷𝟏	NOUN
asfbr-222	80	5	∗	∗	NOUN
asfbr-222	80	6	𝑵𝑷𝑳𝑻𝑳	𝑵𝑷𝑳𝑻𝑳	PROPN
asfbr-222	80	7	+	+	CCONJ
asfbr-222	80	8	𝜷𝟐	𝜷𝟐	NOUN
asfbr-222	80	9	∗	∗	NOUN
asfbr-222	80	10	𝑳𝑳𝑷𝑴	𝑳𝑳𝑷𝑴	NOUN
asfbr-222	80	11	+	+	CCONJ
asfbr-222	80	12	𝜷𝟑	𝜷𝟑	PROPN
asfbr-222	80	13	∗	∗	NOUN
asfbr-222	80	14	𝑺𝑺𝑹𝑳𝑷	𝑺𝑺𝑹𝑳𝑷	PROPN
asfbr-222	80	15	+	+	CCONJ
asfbr-222	80	16	𝜺	𝜺	NOUN
asfbr-222	80	17	…	…	PUNCT
asfbr-222	80	18	……	……	NOUN
asfbr-222	80	19	……	……	NOUN
asfbr-222	80	20	……	……	NOUN
asfbr-222	80	21	……	……	NOUN
asfbr-222	80	22	……	……	NOUN
asfbr-222	80	23	……	……	NOUN
asfbr-222	80	24	……	……	NOUN
asfbr-222	80	25	……	……	NOUN
asfbr-222	80	26	……	……	NOUN
asfbr-222	80	27	......	......	PUNCT
asfbr-222	80	28	(	(	PUNCT
asfbr-222	80	29	2	2	X
asfbr-222	80	30	)	)	PUNCT
asfbr-222	80	31	here	here	ADV
asfbr-222	80	32	in	in	ADP
asfbr-222	80	33	the	the	DET
asfbr-222	80	34	second	second	ADJ
asfbr-222	80	35	model	model	NOUN
asfbr-222	80	36	,	,	PUNCT
asfbr-222	80	37	the	the	DET
asfbr-222	80	38	dependent	dependent	ADJ
asfbr-222	80	39	variable	variable	NOUN
asfbr-222	80	40	changed	change	VERB
asfbr-222	80	41	to	to	ADP
asfbr-222	80	42	net	net	ADJ
asfbr-222	80	43	-	-	PUNCT
asfbr-222	80	44	interest	interest	NOUN
asfbr-222	80	45	income	income	NOUN
asfbr-222	80	46	to	to	ADP
asfbr-222	80	47	total	total	ADJ
asfbr-222	80	48	assets	asset	NOUN
asfbr-222	80	49	(	(	PUNCT
asfbr-222	80	50	niita	niita	NOUN
asfbr-222	80	51	)	)	PUNCT
asfbr-222	80	52	.	.	PUNCT
asfbr-222	81	1	it	it	PRON
asfbr-222	81	2	is	be	AUX
asfbr-222	81	3	changed	change	VERB
asfbr-222	81	4	to	to	PART
asfbr-222	81	5	find	find	VERB
asfbr-222	81	6	out	out	ADP
asfbr-222	81	7	the	the	DET
asfbr-222	81	8	direct	direct	ADJ
asfbr-222	81	9	impact	impact	NOUN
asfbr-222	81	10	on	on	ADP
asfbr-222	81	11	the	the	DET
asfbr-222	81	12	loan	loan	NOUN
asfbr-222	81	13	and	and	CCONJ
asfbr-222	81	14	advances	advance	NOUN
asfbr-222	81	15	which	which	PRON
asfbr-222	81	16	is	be	AUX
asfbr-222	81	17	the	the	DET
asfbr-222	81	18	major	major	ADJ
asfbr-222	81	19	sources	source	NOUN
asfbr-222	81	20	of	of	ADP
asfbr-222	81	21	income	income	NOUN
asfbr-222	81	22	of	of	ADP
asfbr-222	81	23	a	a	DET
asfbr-222	81	24	bank	bank	NOUN
asfbr-222	81	25	for	for	ADP
asfbr-222	81	26	ensuring	ensure	VERB
asfbr-222	81	27	profitability	profitability	NOUN
asfbr-222	81	28	and	and	CCONJ
asfbr-222	81	29	successful	successful	ADJ
asfbr-222	81	30	business	business	NOUN
asfbr-222	81	31	venture	venture	NOUN
asfbr-222	81	32	.	.	PUNCT
asfbr-222	82	1	the	the	DET
asfbr-222	82	2	independent	independent	ADJ
asfbr-222	82	3	variables	variable	NOUN
asfbr-222	82	4	are	be	AUX
asfbr-222	82	5	as	as	ADV
asfbr-222	82	6	same	same	ADJ
asfbr-222	82	7	as	as	SCONJ
asfbr-222	82	8	used	use	VERB
asfbr-222	82	9	in	in	ADP
asfbr-222	82	10	the	the	DET
asfbr-222	82	11	model1	model1	PROPN
asfbr-222	82	12	.	.	PUNCT
asfbr-222	83	1	net	net	ADJ
asfbr-222	83	2	-	-	PUNCT
asfbr-222	83	3	interest	interest	NOUN
asfbr-222	83	4	income	income	NOUN
asfbr-222	83	5	is	be	AUX
asfbr-222	83	6	calculated	calculate	VERB
asfbr-222	83	7	by	by	ADP
asfbr-222	83	8	subtracting	subtract	VERB
asfbr-222	83	9	interest	interest	NOUN
asfbr-222	83	10	expense	expense	NOUN
asfbr-222	83	11	from	from	ADP
asfbr-222	83	12	interest	interest	NOUN
asfbr-222	83	13	income	income	NOUN
asfbr-222	83	14	.	.	PUNCT
asfbr-222	84	1	the	the	DET
asfbr-222	84	2	data	datum	NOUN
asfbr-222	84	3	analyzed	analyze	VERB
asfbr-222	84	4	using	use	VERB
asfbr-222	84	5	descriptive	descriptive	ADJ
asfbr-222	84	6	statistics	statistic	NOUN
asfbr-222	84	7	and	and	CCONJ
asfbr-222	84	8	ordinary	ordinary	ADJ
asfbr-222	84	9	least	least	ADJ
asfbr-222	84	10	square	square	ADJ
asfbr-222	84	11	regression	regression	NOUN
asfbr-222	84	12	method	method	NOUN
asfbr-222	84	13	is	be	AUX
asfbr-222	84	14	used	use	VERB
asfbr-222	84	15	to	to	PART
asfbr-222	84	16	determine	determine	VERB
asfbr-222	84	17	the	the	DET
asfbr-222	84	18	effect	effect	NOUN
asfbr-222	84	19	of	of	ADP
asfbr-222	84	20	dependent	dependent	ADJ
asfbr-222	84	21	variables	variable	NOUN
asfbr-222	84	22	on	on	ADP
asfbr-222	84	23	the	the	DET
asfbr-222	84	24	independent	independent	ADJ
asfbr-222	84	25	variables	variable	NOUN
asfbr-222	84	26	in	in	ADP
asfbr-222	84	27	the	the	DET
asfbr-222	84	28	regression	regression	NOUN
asfbr-222	84	29	equation	equation	NOUN
asfbr-222	84	30	.	.	PUNCT
asfbr-222	85	1	there	there	PRON
asfbr-222	85	2	are	be	VERB
asfbr-222	85	3	also	also	ADV
asfbr-222	85	4	some	some	DET
asfbr-222	85	5	used	use	VERB
asfbr-222	85	6	of	of	ADP
asfbr-222	85	7	tables	table	NOUN
asfbr-222	85	8	and	and	CCONJ
asfbr-222	85	9	charts	chart	NOUN
asfbr-222	85	10	for	for	ADP
asfbr-222	85	11	understanding	understand	VERB
asfbr-222	85	12	the	the	DET
asfbr-222	85	13	initial	initial	ADJ
asfbr-222	85	14	part	part	NOUN
asfbr-222	85	15	of	of	ADP
asfbr-222	85	16	this	this	DET
asfbr-222	85	17	research	research	NOUN
asfbr-222	85	18	on	on	ADP
asfbr-222	85	19	llps	llp	NOUN
asfbr-222	85	20	,	,	PUNCT
asfbr-222	85	21	npls	npls	NOUN
asfbr-222	85	22	and	and	CCONJ
asfbr-222	85	23	profitability	profitability	NOUN
asfbr-222	85	24	.	.	PUNCT
asfbr-222	86	1	4	4	X
asfbr-222	86	2	.	.	X
asfbr-222	86	3	research	research	NOUN
asfbr-222	86	4	findings	finding	NOUN
asfbr-222	86	5	and	and	CCONJ
asfbr-222	86	6	analysis	analysis	NOUN
asfbr-222	86	7	in	in	ADP
asfbr-222	86	8	the	the	DET
asfbr-222	86	9	analysis	analysis	NOUN
asfbr-222	86	10	part	part	NOUN
asfbr-222	86	11	,	,	PUNCT
asfbr-222	86	12	the	the	DET
asfbr-222	86	13	key	key	ADJ
asfbr-222	86	14	terms	term	NOUN
asfbr-222	86	15	of	of	ADP
asfbr-222	86	16	the	the	DET
asfbr-222	86	17	research	research	NOUN
asfbr-222	86	18	are	be	AUX
asfbr-222	86	19	explored	explore	VERB
asfbr-222	86	20	form	form	NOUN
asfbr-222	86	21	the	the	DET
asfbr-222	86	22	historical	historical	ADJ
asfbr-222	86	23	data	datum	NOUN
asfbr-222	86	24	and	and	CCONJ
asfbr-222	86	25	analyzed	analyze	VERB
asfbr-222	86	26	using	use	VERB
asfbr-222	86	27	tabular	tabular	NOUN
asfbr-222	86	28	and	and	CCONJ
asfbr-222	86	29	graphical	graphical	ADJ
asfbr-222	86	30	analysis	analysis	NOUN
asfbr-222	86	31	.	.	PUNCT
asfbr-222	87	1	later	later	ADV
asfbr-222	87	2	the	the	DET
asfbr-222	87	3	impact	impact	NOUN
asfbr-222	87	4	analysis	analysis	NOUN
asfbr-222	87	5	is	be	AUX
asfbr-222	87	6	discussed	discuss	VERB
asfbr-222	87	7	and	and	CCONJ
asfbr-222	87	8	then	then	ADV
asfbr-222	87	9	it	it	PRON
asfbr-222	87	10	forwarded	forward	VERB
asfbr-222	87	11	to	to	ADP
asfbr-222	87	12	the	the	DET
asfbr-222	87	13	evaluation	evaluation	NOUN
asfbr-222	87	14	of	of	ADP
asfbr-222	87	15	the	the	DET
asfbr-222	87	16	current	current	ADJ
asfbr-222	87	17	state	state	NOUN
asfbr-222	87	18	of	of	ADP
asfbr-222	87	19	llps	llp	NOUN
asfbr-222	87	20	,	,	PUNCT
asfbr-222	87	21	npls	npls	NOUN
asfbr-222	87	22	,	,	PUNCT
asfbr-222	87	23	and	and	CCONJ
asfbr-222	87	24	profitability	profitability	NOUN
asfbr-222	87	25	of	of	ADP
asfbr-222	87	26	banks	bank	NOUN
asfbr-222	87	27	in	in	ADP
asfbr-222	87	28	bangladesh	bangladesh	NOUN
asfbr-222	87	29	.	.	PUNCT
asfbr-222	88	1	4.1	4.1	NUM
asfbr-222	88	2	descriptive	descriptive	ADJ
asfbr-222	88	3	statistics	statistic	NOUN
asfbr-222	88	4	of	of	ADP
asfbr-222	88	5	the	the	DET
asfbr-222	88	6	variables	variable	NOUN
asfbr-222	88	7	used	use	VERB
asfbr-222	88	8	in	in	ADP
asfbr-222	88	9	the	the	DET
asfbr-222	88	10	study	study	NOUN
asfbr-222	88	11	for	for	ADP
asfbr-222	88	12	profitability	profitability	NOUN
asfbr-222	88	13	analysis	analysis	NOUN
asfbr-222	88	14	,	,	PUNCT
asfbr-222	88	15	there	there	PRON
asfbr-222	88	16	are	be	VERB
asfbr-222	88	17	various	various	ADJ
asfbr-222	88	18	financial	financial	ADJ
asfbr-222	88	19	ratios	ratio	NOUN
asfbr-222	88	20	to	to	PART
asfbr-222	88	21	use	use	VERB
asfbr-222	88	22	and	and	CCONJ
asfbr-222	88	23	there	there	PRON
asfbr-222	88	24	are	be	VERB
asfbr-222	88	25	different	different	ADJ
asfbr-222	88	26	measures	measure	NOUN
asfbr-222	88	27	of	of	ADP
asfbr-222	88	28	npls	npls	NOUN
asfbr-222	88	29	and	and	CCONJ
asfbr-222	88	30	llps	llp	NOUN
asfbr-222	88	31	are	be	AUX
asfbr-222	88	32	also	also	ADV
asfbr-222	88	33	available	available	ADJ
asfbr-222	88	34	.	.	PUNCT
asfbr-222	89	1	in	in	ADP
asfbr-222	89	2	the	the	DET
asfbr-222	89	3	following	follow	VERB
asfbr-222	89	4	table	table	NOUN
asfbr-222	89	5	,	,	PUNCT
asfbr-222	89	6	there	there	PRON
asfbr-222	89	7	are	be	VERB
asfbr-222	89	8	three	three	NUM
asfbr-222	89	9	measures	measure	NOUN
asfbr-222	89	10	of	of	ADP
asfbr-222	89	11	profitability	profitability	NOUN
asfbr-222	89	12	listed	list	VERB
asfbr-222	89	13	which	which	PRON
asfbr-222	89	14	includes	include	VERB
asfbr-222	89	15	roa	roa	PROPN
asfbr-222	89	16	,	,	PUNCT
asfbr-222	89	17	roe	roe	NOUN
asfbr-222	89	18	,	,	PUNCT
asfbr-222	89	19	niita	niita	PROPN
asfbr-222	89	20	,	,	PUNCT
asfbr-222	89	21	noita	noita	PROPN
asfbr-222	89	22	,	,	PUNCT
asfbr-222	89	23	and	and	CCONJ
asfbr-222	89	24	nim	nim	PROPN
asfbr-222	89	25	.	.	PROPN
asfbr-222	89	26	indipendent	indipendent	PROPN
asfbr-222	89	27	variables	variable	NOUN
asfbr-222	89	28	dependent	dependent	ADJ
asfbr-222	89	29	variables	variable	NOUN
asfbr-222	89	30	impact	impact	VERB
asfbr-222	89	31	analysis	analysis	NOUN
asfbr-222	89	32	llp	llp	NOUN
asfbr-222	89	33	practices	practice	NOUN
asfbr-222	89	34	along	along	ADP
asfbr-222	89	35	with	with	ADP
asfbr-222	89	36	nlps	nlp	NOUN
asfbr-222	89	37	on	on	ADP
asfbr-222	89	38	profitability	profitability	NOUN
asfbr-222	89	39	of	of	ADP
asfbr-222	89	40	banking	banking	NOUN
asfbr-222	89	41	business	business	NOUN
asfbr-222	89	42	noita	noita	PROPN
asfbr-222	89	43	npltl	npltl	PROPN
asfbr-222	89	44	llpm	llpm	PROPN
asfbr-222	89	45	ssrlp	ssrlp	PROPN
asfbr-222	89	46	niita	niita	PROPN
asfbr-222	89	47	npltl	npltl	PROPN
asfbr-222	89	48	llpm	llpm	PROPN
asfbr-222	89	49	ssrlp	ssrlp	PROPN
asfbr-222	89	50	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-222	89	51	asian	asian	PROPN
asfbr-222	89	52	finance	finance	PROPN
asfbr-222	89	53	&	&	CCONJ
asfbr-222	89	54	banking	banking	PROPN
asfbr-222	89	55	review	review	PROPN
asfbr-222	89	56	vol	vol	NOUN
asfbr-222	89	57	.	.	PROPN
asfbr-222	90	1	2	2	NUM
asfbr-222	90	2	,	,	PUNCT
asfbr-222	90	3	no	no	INTJ
asfbr-222	90	4	.	.	NOUN
asfbr-222	90	5	2	2	NUM
asfbr-222	90	6	;	;	PUNCT
asfbr-222	90	7	2018	2018	NUM
asfbr-222	90	8	36	36	NUM
asfbr-222	90	9	table	table	NOUN
asfbr-222	90	10	1	1	NUM
asfbr-222	90	11	:	:	PUNCT
asfbr-222	90	12	descriptive	descriptive	ADJ
asfbr-222	90	13	statistics	statistic	NOUN
asfbr-222	90	14	of	of	ADP
asfbr-222	90	15	the	the	DET
asfbr-222	90	16	variables	variable	NOUN
asfbr-222	91	1	n	n	PRON
asfbr-222	91	2	minimum	minimum	ADJ
asfbr-222	91	3	maximum	maximum	ADJ
asfbr-222	91	4	mean	mean	ADJ
asfbr-222	91	5	std	std	NOUN
asfbr-222	91	6	.	.	PUNCT
asfbr-222	92	1	deviation	deviation	NOUN
asfbr-222	92	2	bad	bad	ADJ
asfbr-222	92	3	loans	loan	NOUN
asfbr-222	92	4	to	to	ADP
asfbr-222	92	5	gross	gross	ADJ
asfbr-222	92	6	npls	npls	NOUN
asfbr-222	92	7	(	(	PUNCT
asfbr-222	92	8	%	%	NOUN
asfbr-222	92	9	)	)	PUNCT
asfbr-222	92	10	9	9	NUM
asfbr-222	92	11	66.70	66.70	NUM
asfbr-222	92	12	87.00	87.00	NUM
asfbr-222	92	13	78.9444	78.9444	NUM
asfbr-222	92	14	6.17781	6.17781	NUM
asfbr-222	92	15	doubtful	doubtful	ADJ
asfbr-222	92	16	loans	loan	NOUN
asfbr-222	92	17	to	to	ADP
asfbr-222	92	18	gross	gross	ADJ
asfbr-222	92	19	npls	npls	NOUN
asfbr-222	92	20	(	(	PUNCT
asfbr-222	92	21	%	%	NOUN
asfbr-222	92	22	)	)	PUNCT
asfbr-222	92	23	9	9	NUM
asfbr-222	92	24	5.40	5.40	NUM
asfbr-222	92	25	14.20	14.20	NUM
asfbr-222	92	26	9.0222	9.0222	NUM
asfbr-222	92	27	2.98989	2.98989	NUM
asfbr-222	92	28	interest	interest	NOUN
asfbr-222	92	29	income	income	NOUN
asfbr-222	92	30	to	to	ADP
asfbr-222	92	31	total	total	ADJ
asfbr-222	92	32	assets	asset	NOUN
asfbr-222	92	33	(	(	PUNCT
asfbr-222	92	34	%	%	INTJ
asfbr-222	92	35	)	)	PUNCT
asfbr-222	92	36	9	9	NUM
asfbr-222	92	37	5.40	5.40	NUM
asfbr-222	92	38	8.10	8.10	NUM
asfbr-222	92	39	6.7589	6.7589	NUM
asfbr-222	92	40	.93766	.93766	NOUN
asfbr-222	92	41	provision	provision	NOUN
asfbr-222	92	42	maintained	maintain	VERB
asfbr-222	92	43	(	(	PUNCT
asfbr-222	92	44	in	in	ADP
asfbr-222	92	45	millions	millions	NUM
asfbr-222	92	46	crore	crore	NUM
asfbr-222	92	47	bdt	bdt	NOUN
asfbr-222	92	48	)	)	PUNCT
asfbr-222	92	49	9	9	NUM
asfbr-222	92	50	137.80	137.80	NUM
asfbr-222	92	51	375.30	375.30	NUM
asfbr-222	92	52	2.3372e2	2.3372e2	NUM
asfbr-222	92	53	82.87965	82.87965	NUM
asfbr-222	92	54	net	net	ADJ
asfbr-222	92	55	interest	interest	NOUN
asfbr-222	92	56	margin	margin	NOUN
asfbr-222	92	57	(	(	PUNCT
asfbr-222	92	58	nim	nim	NOUN
asfbr-222	92	59	)	)	PUNCT
asfbr-222	92	60	9	9	NUM
asfbr-222	92	61	1.70	1.70	NUM
asfbr-222	92	62	3.05	3.05	NUM
asfbr-222	92	63	2.3267	2.3267	NUM
asfbr-222	92	64	.53388	.53388	DET
asfbr-222	92	65	netinterest	netinter	ADJ
asfbr-222	92	66	income	income	NOUN
asfbr-222	92	67	to	to	ADP
asfbr-222	92	68	total	total	ADJ
asfbr-222	92	69	assets	asset	NOUN
asfbr-222	92	70	(	(	PUNCT
asfbr-222	92	71	niita	niita	NOUN
asfbr-222	92	72	)	)	PUNCT
asfbr-222	92	73	9	9	NUM
asfbr-222	92	74	1.50	1.50	NUM
asfbr-222	92	75	2.50	2.50	NUM
asfbr-222	92	76	1.9178	1.9178	NUM
asfbr-222	92	77	.42349	.42349	PUNCT
asfbr-222	92	78	non	non	ADJ
asfbr-222	92	79	-	-	ADJ
asfbr-222	92	80	interest	interest	ADJ
asfbr-222	92	81	income	income	NOUN
asfbr-222	92	82	to	to	ADP
asfbr-222	92	83	total	total	ADJ
asfbr-222	92	84	assets	asset	NOUN
asfbr-222	92	85	(	(	PUNCT
asfbr-222	92	86	noita	noita	NOUN
asfbr-222	92	87	)	)	PUNCT
asfbr-222	92	88	9	9	NUM
asfbr-222	92	89	2.20	2.20	NUM
asfbr-222	92	90	3.40	3.40	NUM
asfbr-222	92	91	2.7567	2.7567	NUM
asfbr-222	92	92	.34409	.34409	NOUN
asfbr-222	92	93	gross	gross	ADJ
asfbr-222	92	94	npl	npl	PROPN
asfbr-222	92	95	to	to	ADP
asfbr-222	92	96	total	total	ADJ
asfbr-222	92	97	loans	loan	NOUN
asfbr-222	92	98	(	(	PUNCT
asfbr-222	92	99	%	%	NOUN
asfbr-222	92	100	)	)	PUNCT
asfbr-222	92	101	9	9	NUM
asfbr-222	92	102	6.20	6.20	NUM
asfbr-222	92	103	10.00	10.00	NUM
asfbr-222	92	104	8.7111	8.7111	NUM
asfbr-222	92	105	1.24544	1.24544	NUM
asfbr-222	92	106	operating	operating	NOUN
asfbr-222	92	107	profit	profit	NOUN
asfbr-222	92	108	before	before	ADP
asfbr-222	92	109	provision	provision	NOUN
asfbr-222	92	110	(	(	PUNCT
asfbr-222	92	111	(	(	PUNCT
asfbr-222	92	112	in	in	ADP
asfbr-222	92	113	billion	billion	NUM
asfbr-222	92	114	bdt	bdt	NOUN
asfbr-222	92	115	)	)	PUNCT
asfbr-222	92	116	9	9	NUM
asfbr-222	92	117	116.25	116.25	NUM
asfbr-222	92	118	246.50	246.50	NUM
asfbr-222	92	119	1.9439e2	1.9439e2	NUM
asfbr-222	92	120	36.76938	36.76938	NUM
asfbr-222	92	121	return	return	NOUN
asfbr-222	92	122	on	on	ADP
asfbr-222	92	123	assets	asset	NOUN
asfbr-222	92	124	(	(	PUNCT
asfbr-222	92	125	roa	roa	NOUN
asfbr-222	92	126	)	)	PUNCT
asfbr-222	92	127	9	9	NUM
asfbr-222	92	128	.60	.60	NUM
asfbr-222	92	129	1.72	1.72	NUM
asfbr-222	92	130	.9778	.9778	NOUN
asfbr-222	92	131	.39185	.39185	PROPN
asfbr-222	92	132	return	return	NOUN
asfbr-222	92	133	on	on	ADP
asfbr-222	92	134	equity	equity	NOUN
asfbr-222	92	135	(	(	PUNCT
asfbr-222	92	136	roe	roe	PROPN
asfbr-222	92	137	)	)	PUNCT
asfbr-222	92	138	9	9	NUM
asfbr-222	92	139	7.80	7.80	NUM
asfbr-222	92	140	19.89	19.89	NUM
asfbr-222	92	141	12.2389	12.2389	NUM
asfbr-222	92	142	4.71644	4.71644	NUM
asfbr-222	92	143	required	require	VERB
asfbr-222	92	144	provision	provision	NOUN
asfbr-222	92	145	9	9	NUM
asfbr-222	92	146	134.70	134.70	NUM
asfbr-222	92	147	443.00	443.00	NUM
asfbr-222	92	148	2.5813e2	2.5813e2	NUM
asfbr-222	92	149	105.89509	105.89509	NUM
asfbr-222	92	150	sub	sub	ADJ
asfbr-222	92	151	-	-	ADJ
asfbr-222	92	152	standard	standard	ADJ
asfbr-222	92	153	loans	loan	NOUN
asfbr-222	92	154	to	to	ADP
asfbr-222	92	155	gross	gross	ADJ
asfbr-222	92	156	npl	npl	PROPN
asfbr-222	92	157	(	(	PUNCT
asfbr-222	92	158	%	%	NOUN
asfbr-222	92	159	)	)	PUNCT
asfbr-222	92	160	9	9	NUM
asfbr-222	92	161	7.50	7.50	NUM
asfbr-222	92	162	19.10	19.10	NUM
asfbr-222	92	163	12.0333	12.0333	NUM
asfbr-222	92	164	3.44565	3.44565	NUM
asfbr-222	92	165	valid	valid	ADJ
asfbr-222	92	166	n	n	CCONJ
asfbr-222	92	167	(	(	PUNCT
asfbr-222	92	168	listwise	listwise	ADJ
asfbr-222	92	169	)	)	PUNCT
asfbr-222	92	170	9	9	NUM
asfbr-222	92	171	source	source	NOUN
asfbr-222	92	172	:	:	PUNCT
asfbr-222	92	173	author	author	NOUN
asfbr-222	92	174	’s	’s	PART
asfbr-222	92	175	analysis	analysis	NOUN
asfbr-222	92	176	using	use	VERB
asfbr-222	92	177	spss	spss	PROPN
asfbr-222	92	178	v16.0	v16.0	PROPN
asfbr-222	92	179	.	.	PUNCT
asfbr-222	93	1	for	for	ADP
asfbr-222	93	2	npls	npls	NOUN
asfbr-222	93	3	,	,	PUNCT
asfbr-222	93	4	there	there	PRON
asfbr-222	93	5	are	be	VERB
asfbr-222	93	6	four	four	NUM
asfbr-222	93	7	variables	variable	NOUN
asfbr-222	93	8	listed	list	VERB
asfbr-222	93	9	which	which	PRON
asfbr-222	93	10	include	include	VERB
asfbr-222	93	11	bad	bad	ADJ
asfbr-222	93	12	loans	loan	NOUN
asfbr-222	93	13	,	,	PUNCT
asfbr-222	93	14	doubtful	doubtful	ADJ
asfbr-222	93	15	loans	loan	NOUN
asfbr-222	93	16	and	and	CCONJ
asfbr-222	93	17	sub	sub	ADJ
asfbr-222	93	18	-	-	ADJ
asfbr-222	93	19	standard	standard	ADJ
asfbr-222	93	20	loans	loan	NOUN
asfbr-222	93	21	to	to	ADP
asfbr-222	93	22	total	total	ADJ
asfbr-222	93	23	npls	npls	NOUN
asfbr-222	93	24	,	,	PUNCT
asfbr-222	93	25	npls	npls	NOUN
asfbr-222	93	26	to	to	PART
asfbr-222	93	27	total	total	ADJ
asfbr-222	93	28	loans	loan	NOUN
asfbr-222	93	29	outstanding	outstanding	ADJ
asfbr-222	93	30	by	by	ADP
asfbr-222	93	31	the	the	DET
asfbr-222	93	32	all	all	DET
asfbr-222	93	33	banks	bank	NOUN
asfbr-222	93	34	in	in	ADP
asfbr-222	93	35	banks	bank	NOUN
asfbr-222	93	36	in	in	ADP
asfbr-222	93	37	bangladesh	bangladesh	NOUN
asfbr-222	93	38	.	.	PUNCT
asfbr-222	94	1	for	for	ADP
asfbr-222	94	2	llps	llp	NOUN
asfbr-222	94	3	,	,	PUNCT
asfbr-222	94	4	there	there	PRON
asfbr-222	94	5	are	be	VERB
asfbr-222	94	6	two	two	NUM
asfbr-222	94	7	variables	variable	NOUN
asfbr-222	94	8	,	,	PUNCT
asfbr-222	94	9	includes	include	VERB
asfbr-222	94	10	required	required	ADJ
asfbr-222	94	11	provisions	provision	NOUN
asfbr-222	94	12	as	as	ADP
asfbr-222	94	13	per	per	ADP
asfbr-222	94	14	the	the	DET
asfbr-222	94	15	amount	amount	NOUN
asfbr-222	94	16	of	of	ADP
asfbr-222	94	17	npls	npls	NOUN
asfbr-222	94	18	,	,	PUNCT
asfbr-222	94	19	provision	provision	NOUN
asfbr-222	94	20	maintained	maintain	VERB
asfbr-222	94	21	.	.	PUNCT
asfbr-222	95	1	in	in	ADP
asfbr-222	95	2	the	the	DET
asfbr-222	95	3	later	later	ADJ
asfbr-222	95	4	analysis	analysis	NOUN
asfbr-222	95	5	,	,	PUNCT
asfbr-222	95	6	all	all	DET
asfbr-222	95	7	the	the	DET
asfbr-222	95	8	variables	variable	NOUN
asfbr-222	95	9	can	can	AUX
asfbr-222	95	10	not	not	PART
asfbr-222	95	11	be	be	AUX
asfbr-222	95	12	accommodated	accommodate	VERB
asfbr-222	95	13	due	due	ADP
asfbr-222	95	14	to	to	ADP
asfbr-222	95	15	the	the	DET
asfbr-222	95	16	simplicity	simplicity	NOUN
asfbr-222	95	17	of	of	ADP
asfbr-222	95	18	the	the	DET
asfbr-222	95	19	research	research	NOUN
asfbr-222	95	20	.	.	PUNCT
asfbr-222	96	1	4.2	4.2	NUM
asfbr-222	96	2	llp	llp	PROPN
asfbr-222	96	3	,	,	PUNCT
asfbr-222	96	4	npl	npl	PROPN
asfbr-222	96	5	and	and	CCONJ
asfbr-222	96	6	profitability	profitability	NOUN
asfbr-222	96	7	in	in	ADP
asfbr-222	96	8	the	the	DET
asfbr-222	96	9	banking	banking	NOUN
asfbr-222	96	10	sector	sector	NOUN
asfbr-222	96	11	in	in	ADP
asfbr-222	96	12	bangladesh	bangladesh	PROPN
asfbr-222	96	13	the	the	DET
asfbr-222	96	14	amount	amount	NOUN
asfbr-222	96	15	of	of	ADP
asfbr-222	96	16	npls	npls	NOUN
asfbr-222	96	17	was	be	AUX
asfbr-222	96	18	downward	downward	ADJ
asfbr-222	96	19	from	from	ADP
asfbr-222	96	20	2008	2008	NUM
asfbr-222	96	21	to	to	ADP
asfbr-222	96	22	2011	2011	NUM
asfbr-222	96	23	,	,	PUNCT
asfbr-222	96	24	and	and	CCONJ
asfbr-222	96	25	then	then	ADV
asfbr-222	96	26	it	it	PRON
asfbr-222	96	27	went	go	VERB
asfbr-222	96	28	up	up	ADP
asfbr-222	96	29	for	for	ADP
asfbr-222	96	30	the	the	DET
asfbr-222	96	31	year	year	NOUN
asfbr-222	96	32	2012	2012	NUM
asfbr-222	96	33	(	(	PUNCT
asfbr-222	96	34	figure	figure	NOUN
asfbr-222	96	35	2	2	NUM
asfbr-222	96	36	)	)	PUNCT
asfbr-222	96	37	.	.	PUNCT
asfbr-222	97	1	from	from	ADP
asfbr-222	97	2	2013	2013	NUM
asfbr-222	97	3	,	,	PUNCT
asfbr-222	97	4	the	the	DET
asfbr-222	97	5	npls	npls	NOUN
asfbr-222	97	6	percentage	percentage	NOUN
asfbr-222	97	7	of	of	ADP
asfbr-222	97	8	total	total	ADJ
asfbr-222	97	9	loans	loan	NOUN
asfbr-222	97	10	has	have	AUX
asfbr-222	97	11	been	be	AUX
asfbr-222	97	12	a	a	DET
asfbr-222	97	13	bit	bit	NOUN
asfbr-222	97	14	stable	stable	ADJ
asfbr-222	97	15	between	between	ADP
asfbr-222	97	16	8	8	NUM
asfbr-222	97	17	to	to	PART
asfbr-222	97	18	10	10	NUM
asfbr-222	97	19	percent	percent	NOUN
asfbr-222	97	20	of	of	ADP
asfbr-222	97	21	the	the	DET
asfbr-222	97	22	total	total	ADJ
asfbr-222	97	23	loans	loan	NOUN
asfbr-222	97	24	outstanding	outstanding	ADJ
asfbr-222	97	25	by	by	ADP
asfbr-222	97	26	the	the	DET
asfbr-222	97	27	banks	bank	NOUN
asfbr-222	97	28	in	in	ADP
asfbr-222	97	29	bangladesh	bangladesh	NOUN
asfbr-222	97	30	.	.	PUNCT
asfbr-222	98	1	the	the	DET
asfbr-222	98	2	lowest	low	ADJ
asfbr-222	98	3	percentage	percentage	NOUN
asfbr-222	98	4	found	find	VERB
asfbr-222	98	5	in	in	ADP
asfbr-222	98	6	2011	2011	NUM
asfbr-222	98	7	,	,	PUNCT
asfbr-222	98	8	which	which	PRON
asfbr-222	98	9	was	be	AUX
asfbr-222	98	10	6.2	6.2	NUM
asfbr-222	98	11	%	%	NOUN
asfbr-222	98	12	.	.	PUNCT
asfbr-222	99	1	then	then	ADV
asfbr-222	99	2	it	it	PRON
asfbr-222	99	3	soared	soar	VERB
asfbr-222	99	4	up	up	ADP
asfbr-222	99	5	a	a	DET
asfbr-222	99	6	bit	bit	NOUN
asfbr-222	99	7	before	before	ADP
asfbr-222	99	8	stabilizing	stabilize	VERB
asfbr-222	99	9	to	to	ADP
asfbr-222	99	10	this	this	DET
asfbr-222	99	11	current	current	ADJ
asfbr-222	99	12	state	state	NOUN
asfbr-222	99	13	.	.	PUNCT
asfbr-222	100	1	figure	figure	NOUN
asfbr-222	100	2	2	2	NUM
asfbr-222	100	3	.	.	NOUN
asfbr-222	100	4	npls	npls	NOUN
asfbr-222	100	5	as	as	ADP
asfbr-222	100	6	a	a	DET
asfbr-222	100	7	percentage	percentage	NOUN
asfbr-222	100	8	of	of	ADP
asfbr-222	100	9	total	total	ADJ
asfbr-222	100	10	loans	loan	NOUN
asfbr-222	100	11	outstanding	outstanding	ADJ
asfbr-222	100	12	during	during	ADP
asfbr-222	100	13	2008	2008	NUM
asfbr-222	100	14	to	to	ADP
asfbr-222	100	15	2017	2017	NUM
asfbr-222	100	16	(	(	PUNCT
asfbr-222	100	17	bangladesh	bangladesh	PROPN
asfbr-222	100	18	bank	bank	PROPN
asfbr-222	100	19	2018	2018	NUM
asfbr-222	100	20	)	)	PUNCT
asfbr-222	100	21	0	0	NUM
asfbr-222	101	1	2	2	NUM
asfbr-222	101	2	4	4	NUM
asfbr-222	101	3	6	6	NUM
asfbr-222	101	4	8	8	NUM
asfbr-222	101	5	10	10	NUM
asfbr-222	101	6	12	12	NUM
asfbr-222	101	7	2008	2008	NUM
asfbr-222	101	8	2009	2009	NUM
asfbr-222	101	9	2010	2010	NUM
asfbr-222	101	10	2011	2011	NUM
asfbr-222	101	11	2012	2012	NUM
asfbr-222	101	12	2013	2013	NUM
asfbr-222	101	13	2014	2014	NUM
asfbr-222	101	14	2015	2015	NUM
asfbr-222	101	15	2016	2016	NUM
asfbr-222	101	16	2017	2017	NUM
asfbr-222	101	17	%	%	NOUN
asfbr-222	102	1	o	o	X
asfbr-222	102	2	f	f	X
asfbr-222	102	3	to	to	ADP
asfbr-222	102	4	ta	ta	PROPN
asfbr-222	102	5	l	l	PROPN
asfbr-222	102	6	l	l	NOUN
asfbr-222	103	1	o	o	X
asfbr-222	103	2	an	an	DET
asfbr-222	103	3	s	s	NOUN
asfbr-222	103	4	years	year	NOUN
asfbr-222	103	5	npls	npls	NOUN
asfbr-222	103	6	to	to	PART
asfbr-222	103	7	total	total	ADJ
asfbr-222	103	8	loans	loan	NOUN
asfbr-222	103	9	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	VERB
asfbr-222	103	10	asian	asian	ADJ
asfbr-222	103	11	finance	finance	PROPN
asfbr-222	103	12	&	&	CCONJ
asfbr-222	103	13	banking	banking	PROPN
asfbr-222	103	14	review	review	PROPN
asfbr-222	103	15	vol	vol	NOUN
asfbr-222	103	16	.	.	PROPN
asfbr-222	104	1	2	2	NUM
asfbr-222	104	2	,	,	PUNCT
asfbr-222	104	3	no	no	INTJ
asfbr-222	104	4	.	.	NOUN
asfbr-222	104	5	2	2	NUM
asfbr-222	104	6	;	;	PUNCT
asfbr-222	104	7	2018	2018	NUM
asfbr-222	104	8	37	37	NUM
asfbr-222	104	9	the	the	DET
asfbr-222	104	10	npls	npls	NOUN
asfbr-222	104	11	is	be	AUX
asfbr-222	104	12	classified	classify	VERB
asfbr-222	104	13	into	into	ADP
asfbr-222	104	14	three	three	NUM
asfbr-222	104	15	categories	category	NOUN
asfbr-222	104	16	by	by	ADP
asfbr-222	104	17	the	the	DET
asfbr-222	104	18	central	central	ADJ
asfbr-222	104	19	bank	bank	PROPN
asfbr-222	104	20	of	of	ADP
asfbr-222	104	21	bangladesh	bangladesh	PROPN
asfbr-222	104	22	.	.	PUNCT
asfbr-222	105	1	if	if	SCONJ
asfbr-222	105	2	a	a	DET
asfbr-222	105	3	loan	loan	NOUN
asfbr-222	105	4	remains	remain	VERB
asfbr-222	105	5	outstanding	outstanding	ADJ
asfbr-222	105	6	for	for	ADP
asfbr-222	105	7	6	6	NUM
asfbr-222	105	8	months	month	NOUN
asfbr-222	105	9	,	,	PUNCT
asfbr-222	105	10	it	it	PRON
asfbr-222	105	11	is	be	AUX
asfbr-222	105	12	marked	mark	VERB
asfbr-222	105	13	as	as	ADP
asfbr-222	105	14	“	"	PUNCT
asfbr-222	105	15	sub	sub	ADJ
asfbr-222	105	16	-	-	ADJ
asfbr-222	105	17	standard	standard	ADJ
asfbr-222	105	18	(	(	PUNCT
asfbr-222	105	19	ss	ss	NOUN
asfbr-222	105	20	)	)	PUNCT
asfbr-222	105	21	”	"	PUNCT
asfbr-222	105	22	while	while	SCONJ
asfbr-222	105	23	for	for	ADP
asfbr-222	105	24	9	9	NUM
asfbr-222	105	25	months	month	NOUN
asfbr-222	105	26	and	and	CCONJ
asfbr-222	105	27	12	12	NUM
asfbr-222	105	28	months	month	NOUN
asfbr-222	105	29	of	of	ADP
asfbr-222	105	30	outstanding	outstanding	ADJ
asfbr-222	105	31	loans	loan	NOUN
asfbr-222	105	32	,	,	PUNCT
asfbr-222	105	33	classification	classification	NOUN
asfbr-222	105	34	are	be	AUX
asfbr-222	105	35	“	"	PUNCT
asfbr-222	105	36	doubtful	doubtful	ADJ
asfbr-222	105	37	(	(	PUNCT
asfbr-222	105	38	df	df	NOUN
asfbr-222	105	39	)	)	PUNCT
asfbr-222	105	40	”	"	PUNCT
asfbr-222	105	41	and	and	CCONJ
asfbr-222	105	42	“	"	PUNCT
asfbr-222	105	43	bad	bad	ADJ
asfbr-222	105	44	loan	loan	NOUN
asfbr-222	105	45	(	(	PUNCT
asfbr-222	105	46	bl	bl	NOUN
asfbr-222	105	47	)	)	PUNCT
asfbr-222	105	48	”	"	PUNCT
asfbr-222	105	49	respectively	respectively	ADV
asfbr-222	105	50	.	.	PUNCT
asfbr-222	106	1	even	even	ADV
asfbr-222	106	2	the	the	DET
asfbr-222	106	3	range	range	NOUN
asfbr-222	106	4	of	of	ADP
asfbr-222	106	5	what	what	PRON
asfbr-222	106	6	could	could	AUX
asfbr-222	106	7	be	be	AUX
asfbr-222	106	8	called	call	VERB
asfbr-222	106	9	a	a	DET
asfbr-222	106	10	bad	bad	ADJ
asfbr-222	106	11	loan	loan	NOUN
asfbr-222	106	12	was	be	AUX
asfbr-222	106	13	narrowed	narrow	VERB
asfbr-222	106	14	down	down	ADP
asfbr-222	106	15	through	through	ADP
asfbr-222	106	16	the	the	DET
asfbr-222	106	17	new	new	ADJ
asfbr-222	106	18	regulation	regulation	NOUN
asfbr-222	106	19	which	which	PRON
asfbr-222	106	20	has	have	AUX
asfbr-222	106	21	put	put	VERB
asfbr-222	106	22	three	three	NUM
asfbr-222	106	23	months	month	NOUN
asfbr-222	106	24	’	'	PUNCT
asfbr-222	106	25	outstanding	outstanding	ADJ
asfbr-222	106	26	loans	loan	NOUN
asfbr-222	106	27	in	in	ADP
asfbr-222	106	28	ss	ss	PRON
asfbr-222	106	29	category	category	NOUN
asfbr-222	106	30	,	,	PUNCT
asfbr-222	106	31	six	six	NUM
asfbr-222	106	32	months	month	NOUN
asfbr-222	106	33	’	'	PUNCT
asfbr-222	106	34	outstanding	outstanding	ADJ
asfbr-222	106	35	in	in	ADP
asfbr-222	106	36	df	df	PROPN
asfbr-222	106	37	and	and	CCONJ
asfbr-222	106	38	nine	nine	NUM
asfbr-222	106	39	months	month	NOUN
asfbr-222	106	40	’	'	PUNCT
asfbr-222	106	41	outstanding	outstanding	ADJ
asfbr-222	106	42	in	in	ADP
asfbr-222	106	43	bl	bl	PROPN
asfbr-222	106	44	categories	category	NOUN
asfbr-222	106	45	(	(	PUNCT
asfbr-222	106	46	tuhin	tuhin	NOUN
asfbr-222	106	47	,	,	PUNCT
asfbr-222	106	48	a.	a.	NOUN
asfbr-222	106	49	2018	2018	NUM
asfbr-222	106	50	)	)	PUNCT
asfbr-222	106	51	.	.	PUNCT
asfbr-222	107	1	in	in	ADP
asfbr-222	107	2	the	the	DET
asfbr-222	107	3	following	follow	VERB
asfbr-222	107	4	figure	figure	NOUN
asfbr-222	107	5	(	(	PUNCT
asfbr-222	107	6	figure	figure	NOUN
asfbr-222	107	7	3	3	NUM
asfbr-222	107	8	)	)	PUNCT
asfbr-222	107	9	,	,	PUNCT
asfbr-222	107	10	the	the	DET
asfbr-222	107	11	progression	progression	NOUN
asfbr-222	107	12	of	of	ADP
asfbr-222	107	13	the	the	DET
asfbr-222	107	14	three	three	NUM
asfbr-222	107	15	types	type	NOUN
asfbr-222	107	16	of	of	ADP
asfbr-222	107	17	npls	npls	NOUN
asfbr-222	107	18	are	be	AUX
asfbr-222	107	19	depicted	depict	VERB
asfbr-222	107	20	figure	figure	NOUN
asfbr-222	107	21	3.non	3.non	ADV
asfbr-222	107	22	-	-	PUNCT
asfbr-222	107	23	performing	perform	VERB
asfbr-222	107	24	loans	loan	NOUN
asfbr-222	107	25	(	(	PUNCT
asfbr-222	107	26	npls	npls	NOUN
asfbr-222	107	27	)	)	PUNCT
asfbr-222	107	28	composition	composition	NOUN
asfbr-222	107	29	during	during	ADP
asfbr-222	107	30	2008	2008	NUM
asfbr-222	107	31	to	to	ADP
asfbr-222	107	32	2017(bangladesh	2017(bangladesh	NUM
asfbr-222	107	33	bank	bank	NOUN
asfbr-222	107	34	2018	2018	NUM
asfbr-222	107	35	)	)	PUNCT
asfbr-222	107	36	under	under	ADP
asfbr-222	107	37	the	the	DET
asfbr-222	107	38	existing	exist	VERB
asfbr-222	107	39	bangladesh	bangladesh	PROPN
asfbr-222	107	40	bank	bank	NOUN
asfbr-222	107	41	regulations	regulation	NOUN
asfbr-222	107	42	,	,	PUNCT
asfbr-222	107	43	the	the	DET
asfbr-222	107	44	banks	bank	NOUN
asfbr-222	107	45	have	have	VERB
asfbr-222	107	46	to	to	PART
asfbr-222	107	47	keep	keep	VERB
asfbr-222	107	48	0.25	0.25	NUM
asfbr-222	107	49	percent	percent	NOUN
asfbr-222	107	50	to	to	ADP
asfbr-222	107	51	5.0	5.0	NUM
asfbr-222	107	52	percent	percent	NOUN
asfbr-222	107	53	provisions	provision	NOUN
asfbr-222	107	54	against	against	ADP
asfbr-222	107	55	general	general	ADJ
asfbr-222	107	56	-	-	PUNCT
asfbr-222	107	57	category	category	NOUN
asfbr-222	107	58	loans	loan	NOUN
asfbr-222	107	59	,	,	PUNCT
asfbr-222	107	60	20	20	NUM
asfbr-222	107	61	percent	percent	NOUN
asfbr-222	107	62	provision	provision	NOUN
asfbr-222	107	63	against	against	ADP
asfbr-222	107	64	substandard	substandard	ADJ
asfbr-222	107	65	category	category	NOUN
asfbr-222	107	66	,	,	PUNCT
asfbr-222	107	67	50	50	NUM
asfbr-222	107	68	percent	percent	NOUN
asfbr-222	107	69	against	against	ADP
asfbr-222	107	70	doubtful	doubtful	ADJ
asfbr-222	107	71	loans	loan	NOUN
asfbr-222	107	72	and	and	CCONJ
asfbr-222	107	73	100	100	NUM
asfbr-222	107	74	percent	percent	NOUN
asfbr-222	107	75	against	against	ADP
asfbr-222	107	76	bad	bad	ADJ
asfbr-222	107	77	or	or	CCONJ
asfbr-222	107	78	loss	loss	NOUN
asfbr-222	107	79	category	category	NOUN
asfbr-222	107	80	(	(	PUNCT
asfbr-222	107	81	islam	islam	PROPN
asfbr-222	107	82	,	,	PUNCT
asfbr-222	107	83	s.	s.	PROPN
asfbr-222	107	84	2018	2018	NUM
asfbr-222	107	85	;	;	PUNCT
asfbr-222	107	86	tuhin	tuhin	NOUN
asfbr-222	107	87	,	,	PUNCT
asfbr-222	107	88	a.	a.	NOUN
asfbr-222	107	89	2018	2018	NUM
asfbr-222	107	90	)	)	PUNCT
asfbr-222	107	91	.	.	PUNCT
asfbr-222	108	1	table	table	NOUN
asfbr-222	108	2	2	2	NUM
asfbr-222	108	3	:	:	PUNCT
asfbr-222	108	4	banking	banking	NOUN
asfbr-222	108	5	sector	sector	NOUN
asfbr-222	108	6	loan	loan	NOUN
asfbr-222	108	7	provisions	provision	NOUN
asfbr-222	108	8	(	(	PUNCT
asfbr-222	108	9	in	in	ADP
asfbr-222	108	10	millions	millions	NUM
asfbr-222	108	11	crore	crore	NUM
asfbr-222	108	12	taka	taka	NOUN
asfbr-222	108	13	)	)	PUNCT
asfbr-222	108	14	source	source	NOUN
asfbr-222	108	15	:	:	PUNCT
asfbr-222	108	16	financial	financial	ADJ
asfbr-222	108	17	stability	stability	NOUN
asfbr-222	108	18	reports	report	VERB
asfbr-222	108	19	2010	2010	NUM
asfbr-222	108	20	-	-	SYM
asfbr-222	108	21	2017(bangladesh	2017(bangladesh	NUM
asfbr-222	108	22	bank	bank	NOUN
asfbr-222	108	23	,	,	PUNCT
asfbr-222	108	24	2018	2018	NUM
asfbr-222	108	25	)	)	PUNCT
asfbr-222	108	26	the	the	DET
asfbr-222	108	27	above	above	ADJ
asfbr-222	108	28	table	table	NOUN
asfbr-222	108	29	(	(	PUNCT
asfbr-222	108	30	table	table	NOUN
asfbr-222	108	31	4	4	NUM
asfbr-222	108	32	)	)	PUNCT
asfbr-222	108	33	gives	give	VERB
asfbr-222	108	34	an	an	DET
asfbr-222	108	35	indication	indication	NOUN
asfbr-222	108	36	that	that	SCONJ
asfbr-222	108	37	the	the	DET
asfbr-222	108	38	banks	bank	NOUN
asfbr-222	108	39	could	could	AUX
asfbr-222	108	40	not	not	PART
asfbr-222	108	41	keep	keep	VERB
asfbr-222	108	42	their	their	PRON
asfbr-222	108	43	llps	llp	NOUN
asfbr-222	108	44	in	in	ADP
asfbr-222	108	45	the	the	DET
asfbr-222	108	46	required	require	VERB
asfbr-222	108	47	level	level	NOUN
asfbr-222	108	48	in	in	ADP
asfbr-222	108	49	most	most	ADJ
asfbr-222	108	50	of	of	ADP
asfbr-222	108	51	the	the	DET
asfbr-222	108	52	last	last	ADJ
asfbr-222	108	53	ten	ten	NUM
asfbr-222	108	54	years	year	NOUN
asfbr-222	108	55	.	.	PUNCT
asfbr-222	109	1	in	in	ADP
asfbr-222	109	2	some	some	DET
asfbr-222	109	3	years	year	NOUN
asfbr-222	109	4	,	,	PUNCT
asfbr-222	109	5	the	the	DET
asfbr-222	109	6	difference	difference	NOUN
asfbr-222	109	7	between	between	ADP
asfbr-222	109	8	the	the	DET
asfbr-222	109	9	required	require	VERB
asfbr-222	109	10	llps	llp	NOUN
asfbr-222	109	11	and	and	CCONJ
asfbr-222	109	12	llps	llp	NOUN
asfbr-222	109	13	maintained	maintain	VERB
asfbr-222	109	14	is	be	AUX
asfbr-222	109	15	large	large	ADJ
asfbr-222	109	16	enough	enough	ADV
asfbr-222	109	17	to	to	PART
asfbr-222	109	18	alarm	alarm	VERB
asfbr-222	109	19	for	for	ADP
asfbr-222	109	20	taking	take	VERB
asfbr-222	109	21	safety	safety	NOUN
asfbr-222	109	22	measures	measure	NOUN
asfbr-222	109	23	.	.	PUNCT
asfbr-222	110	1	so	so	ADV
asfbr-222	110	2	the	the	DET
asfbr-222	110	3	above	above	ADJ
asfbr-222	110	4	two	two	NUM
asfbr-222	110	5	tables	table	NOUN
asfbr-222	110	6	showed	show	VERB
asfbr-222	110	7	that	that	SCONJ
asfbr-222	110	8	the	the	DET
asfbr-222	110	9	npls	npls	NOUN
asfbr-222	110	10	caused	cause	VERB
asfbr-222	110	11	llps	llp	NOUN
asfbr-222	110	12	and	and	CCONJ
asfbr-222	110	13	in	in	ADP
asfbr-222	110	14	most	most	ADJ
asfbr-222	110	15	of	of	ADP
asfbr-222	110	16	the	the	DET
asfbr-222	110	17	years	year	NOUN
asfbr-222	110	18	from	from	ADP
asfbr-222	110	19	2009	2009	NUM
asfbr-222	110	20	to	to	ADP
asfbr-222	110	21	2017	2017	NUM
asfbr-222	110	22	,	,	PUNCT
asfbr-222	110	23	the	the	DET
asfbr-222	110	24	required	require	VERB
asfbr-222	110	25	llps	llp	NOUN
asfbr-222	110	26	could	could	AUX
asfbr-222	110	27	not	not	PART
asfbr-222	110	28	be	be	AUX
asfbr-222	110	29	made	make	VERB
asfbr-222	110	30	.	.	PUNCT
asfbr-222	111	1	moreover	moreover	ADV
asfbr-222	111	2	,	,	PUNCT
asfbr-222	111	3	the	the	DET
asfbr-222	111	4	llps	llp	NOUN
asfbr-222	111	5	can	can	AUX
asfbr-222	111	6	cause	cause	VERB
asfbr-222	111	7	lack	lack	NOUN
asfbr-222	111	8	of	of	ADP
asfbr-222	111	9	profitability	profitability	NOUN
asfbr-222	111	10	as	as	ADP
asfbr-222	111	11	the	the	DET
asfbr-222	111	12	bad	bad	ADJ
asfbr-222	111	13	debt	debt	NOUN
asfbr-222	111	14	and	and	CCONJ
asfbr-222	111	15	its	its	PRON
asfbr-222	111	16	provision	provision	NOUN
asfbr-222	111	17	may	may	AUX
asfbr-222	111	18	increase	increase	VERB
asfbr-222	111	19	operational	operational	ADJ
asfbr-222	111	20	expenses	expense	NOUN
asfbr-222	111	21	and	and	CCONJ
asfbr-222	111	22	weaken	weaken	VERB
asfbr-222	111	23	the	the	DET
asfbr-222	111	24	balance	balance	NOUN
asfbr-222	111	25	sheet	sheet	NOUN
asfbr-222	111	26	by	by	ADP
asfbr-222	111	27	reducing	reduce	VERB
asfbr-222	111	28	its	its	PRON
asfbr-222	111	29	reserve	reserve	NOUN
asfbr-222	111	30	on	on	ADP
asfbr-222	111	31	the	the	DET
asfbr-222	111	32	provision	provision	NOUN
asfbr-222	111	33	.	.	PUNCT
asfbr-222	112	1	as	as	SCONJ
asfbr-222	112	2	it	it	PRON
asfbr-222	112	3	is	be	AUX
asfbr-222	112	4	shown	show	VERB
asfbr-222	112	5	in	in	ADP
asfbr-222	112	6	the	the	DET
asfbr-222	112	7	following	follow	VERB
asfbr-222	112	8	table	table	NOUN
asfbr-222	112	9	(	(	PUNCT
asfbr-222	112	10	table	table	NOUN
asfbr-222	112	11	3	3	NUM
asfbr-222	112	12	)	)	PUNCT
asfbr-222	112	13	,	,	PUNCT
asfbr-222	112	14	in	in	ADP
asfbr-222	112	15	the	the	DET
asfbr-222	112	16	years	year	NOUN
asfbr-222	112	17	of	of	ADP
asfbr-222	112	18	llps	llp	NOUN
asfbr-222	112	19	shortfall	shortfall	NOUN
asfbr-222	112	20	,	,	PUNCT
asfbr-222	112	21	the	the	DET
asfbr-222	112	22	profitability	profitability	NOUN
asfbr-222	112	23	indicators	indicator	NOUN
asfbr-222	112	24	were	be	AUX
asfbr-222	112	25	weak	weak	ADJ
asfbr-222	112	26	enough	enough	ADV
asfbr-222	112	27	for	for	ADP
asfbr-222	112	28	the	the	DET
asfbr-222	112	29	influence	influence	NOUN
asfbr-222	112	30	of	of	ADP
asfbr-222	112	31	the	the	DET
asfbr-222	112	32	llps	llp	NOUN
asfbr-222	112	33	caused	cause	VERB
asfbr-222	112	34	by	by	ADP
asfbr-222	112	35	nlps	nlp	NOUN
asfbr-222	112	36	.	.	PUNCT
asfbr-222	113	1	0	0	NUM
asfbr-222	114	1	10	10	NUM
asfbr-222	114	2	20	20	NUM
asfbr-222	114	3	30	30	NUM
asfbr-222	114	4	40	40	NUM
asfbr-222	114	5	50	50	NUM
asfbr-222	114	6	60	60	NUM
asfbr-222	114	7	70	70	NUM
asfbr-222	114	8	80	80	NUM
asfbr-222	114	9	90	90	NUM
asfbr-222	114	10	100	100	NUM
asfbr-222	114	11	2008	2008	NUM
asfbr-222	114	12	2009	2009	NUM
asfbr-222	114	13	2010	2010	NUM
asfbr-222	114	14	2011	2011	NUM
asfbr-222	114	15	2012	2012	NUM
asfbr-222	114	16	2013	2013	NUM
asfbr-222	114	17	2014	2014	NUM
asfbr-222	114	18	2015	2015	NUM
asfbr-222	114	19	2016	2016	NUM
asfbr-222	114	20	2017	2017	NUM
asfbr-222	114	21	%	%	NOUN
asfbr-222	115	1	o	o	X
asfbr-222	115	2	f	f	NOUN
asfbr-222	116	1	n	n	CCONJ
asfbr-222	116	2	p	p	PROPN
asfbr-222	116	3	ls	ls	PROPN
asfbr-222	116	4	years	year	NOUN
asfbr-222	116	5	sub	sub	ADJ
asfbr-222	116	6	-	-	ADJ
asfbr-222	116	7	standard	standard	ADJ
asfbr-222	116	8	loans	loan	NOUN
asfbr-222	116	9	doubtful	doubtful	ADJ
asfbr-222	116	10	loans	loan	NOUN
asfbr-222	116	11	bad	bad	ADJ
asfbr-222	116	12	loans	loan	NOUN
asfbr-222	116	13	year	year	NOUN
asfbr-222	116	14	required	require	VERB
asfbr-222	116	15	provision	provision	NOUN
asfbr-222	116	16	provision	provision	NOUN
asfbr-222	116	17	maintained	maintain	VERB
asfbr-222	116	18	surplus/(shortfall	surplus/(shortfall	NOUN
asfbr-222	116	19	)	)	PUNCT
asfbr-222	116	20	2009	2009	NUM
asfbr-222	116	21	134.7	134.7	NUM
asfbr-222	116	22	137.8	137.8	NUM
asfbr-222	116	23	3.1	3.1	NUM
asfbr-222	116	24	2010	2010	NUM
asfbr-222	116	25	150.8	150.8	NUM
asfbr-222	116	26	146.8	146.8	NUM
asfbr-222	116	27	(	(	PUNCT
asfbr-222	116	28	3.9	3.9	NUM
asfbr-222	116	29	)	)	PUNCT
asfbr-222	116	30	2011	2011	NUM
asfbr-222	116	31	139.3	139.3	NUM
asfbr-222	116	32	148.9	148.9	NUM
asfbr-222	116	33	9.6	9.6	NUM
asfbr-222	116	34	2012	2012	NUM
asfbr-222	116	35	242.4	242.4	NUM
asfbr-222	116	36	189.8	189.8	NUM
asfbr-222	116	37	(	(	PUNCT
asfbr-222	116	38	52.6	52.6	NUM
asfbr-222	116	39	)	)	PUNCT
asfbr-222	116	40	2013	2013	NUM
asfbr-222	116	41	252.4	252.4	NUM
asfbr-222	116	42	249.8	249.8	NUM
asfbr-222	116	43	(	(	PUNCT
asfbr-222	116	44	2.6	2.6	NUM
asfbr-222	116	45	)	)	PUNCT
asfbr-222	116	46	2014	2014	NUM
asfbr-222	116	47	289.6	289.6	NUM
asfbr-222	116	48	281.6	281.6	NUM
asfbr-222	116	49	(	(	PUNCT
asfbr-222	116	50	8)	8)	NUM
asfbr-222	116	51	2015	2015	NUM
asfbr-222	116	52	308.9	308.9	NUM
asfbr-222	116	53	266.1	266.1	NUM
asfbr-222	116	54	42.8	42.8	NUM
asfbr-222	116	55	2016	2016	NUM
asfbr-222	116	56	362.1	362.1	NUM
asfbr-222	116	57	307.4	307.4	NUM
asfbr-222	116	58	(	(	PUNCT
asfbr-222	116	59	54.7	54.7	NUM
asfbr-222	116	60	)	)	PUNCT
asfbr-222	116	61	2017	2017	NUM
asfbr-222	116	62	443	443	NUM
asfbr-222	116	63	375.3	375.3	NUM
asfbr-222	116	64	(	(	PUNCT
asfbr-222	116	65	67.7	67.7	NUM
asfbr-222	116	66	)	)	PUNCT
asfbr-222	116	67	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-222	116	68	asian	asian	PROPN
asfbr-222	116	69	finance	finance	PROPN
asfbr-222	116	70	&	&	CCONJ
asfbr-222	116	71	banking	banking	PROPN
asfbr-222	116	72	review	review	PROPN
asfbr-222	116	73	vol	vol	NOUN
asfbr-222	116	74	.	.	PROPN
asfbr-222	117	1	2	2	NUM
asfbr-222	117	2	,	,	PUNCT
asfbr-222	117	3	no	no	INTJ
asfbr-222	117	4	.	.	NOUN
asfbr-222	117	5	2	2	NUM
asfbr-222	117	6	;	;	PUNCT
asfbr-222	117	7	2018	2018	NUM
asfbr-222	117	8	38	38	NUM
asfbr-222	117	9	table	table	NOUN
asfbr-222	117	10	3	3	NUM
asfbr-222	117	11	:	:	PUNCT
asfbr-222	117	12	profitability	profitability	NOUN
asfbr-222	117	13	of	of	ADP
asfbr-222	117	14	banking	banking	NOUN
asfbr-222	117	15	sector	sector	NOUN
asfbr-222	117	16	of	of	ADP
asfbr-222	117	17	bangladesh	bangladesh	NOUN
asfbr-222	117	18	(	(	PUNCT
asfbr-222	117	19	in	in	ADP
asfbr-222	117	20	percentage	percentage	NOUN
asfbr-222	117	21	)	)	PUNCT
asfbr-222	117	22	source	source	NOUN
asfbr-222	117	23	:	:	PUNCT
asfbr-222	117	24	financial	financial	ADJ
asfbr-222	117	25	stability	stability	NOUN
asfbr-222	117	26	reports	report	VERB
asfbr-222	117	27	2010	2010	NUM
asfbr-222	117	28	-	-	SYM
asfbr-222	117	29	2017(bangladesh	2017(bangladesh	NUM
asfbr-222	117	30	bank	bank	NOUN
asfbr-222	117	31	2018	2018	NUM
asfbr-222	117	32	)	)	PUNCT
asfbr-222	117	33	.	.	PUNCT
asfbr-222	118	1	the	the	DET
asfbr-222	118	2	above	above	ADJ
asfbr-222	118	3	table	table	NOUN
asfbr-222	118	4	indicates	indicate	VERB
asfbr-222	118	5	that	that	SCONJ
asfbr-222	118	6	the	the	DET
asfbr-222	118	7	measure	measure	NOUN
asfbr-222	118	8	of	of	ADP
asfbr-222	118	9	profitability	profitability	NOUN
asfbr-222	118	10	is	be	AUX
asfbr-222	118	11	giving	give	VERB
asfbr-222	118	12	mixed	mixed	ADJ
asfbr-222	118	13	performance	performance	NOUN
asfbr-222	118	14	level	level	NOUN
asfbr-222	118	15	which	which	PRON
asfbr-222	118	16	meant	mean	VERB
asfbr-222	118	17	the	the	DET
asfbr-222	118	18	assets	asset	NOUN
asfbr-222	118	19	and	and	CCONJ
asfbr-222	118	20	equity	equity	NOUN
asfbr-222	118	21	are	be	AUX
asfbr-222	118	22	not	not	PART
asfbr-222	118	23	good	good	ADJ
asfbr-222	118	24	enough	enough	ADV
asfbr-222	118	25	for	for	ADP
asfbr-222	118	26	the	the	DET
asfbr-222	118	27	high	high	ADJ
asfbr-222	118	28	level	level	NOUN
asfbr-222	118	29	of	of	ADP
asfbr-222	118	30	performance	performance	NOUN
asfbr-222	118	31	,	,	PUNCT
asfbr-222	118	32	but	but	CCONJ
asfbr-222	118	33	the	the	DET
asfbr-222	118	34	other	other	ADJ
asfbr-222	118	35	measures	measure	NOUN
asfbr-222	118	36	have	have	VERB
asfbr-222	118	37	good	good	ADJ
asfbr-222	118	38	indication	indication	NOUN
asfbr-222	118	39	of	of	ADP
asfbr-222	118	40	profitability	profitability	NOUN
asfbr-222	118	41	.	.	PUNCT
asfbr-222	119	1	there	there	PRON
asfbr-222	119	2	are	be	VERB
asfbr-222	119	3	many	many	ADJ
asfbr-222	119	4	issues	issue	NOUN
asfbr-222	119	5	underlies	underlie	VERB
asfbr-222	119	6	for	for	ADP
asfbr-222	119	7	the	the	DET
asfbr-222	119	8	mixed	mixed	ADJ
asfbr-222	119	9	result	result	NOUN
asfbr-222	119	10	of	of	ADP
asfbr-222	119	11	performance	performance	NOUN
asfbr-222	119	12	.	.	PUNCT
asfbr-222	120	1	4.3	4.3	NUM
asfbr-222	120	2	test	test	NOUN
asfbr-222	120	3	of	of	ADP
asfbr-222	120	4	impacts	impact	NOUN
asfbr-222	120	5	of	of	ADP
asfbr-222	120	6	llps	llp	NOUN
asfbr-222	120	7	for	for	ADP
asfbr-222	120	8	npls	npls	NOUN
asfbr-222	120	9	on	on	ADP
asfbr-222	120	10	profitability	profitability	NOUN
asfbr-222	120	11	for	for	ADP
asfbr-222	120	12	a	a	DET
asfbr-222	120	13	commercial	commercial	ADJ
asfbr-222	120	14	bank	bank	NOUN
asfbr-222	120	15	,	,	PUNCT
asfbr-222	120	16	income	income	NOUN
asfbr-222	120	17	can	can	AUX
asfbr-222	120	18	be	be	AUX
asfbr-222	120	19	generated	generate	VERB
asfbr-222	120	20	from	from	ADP
asfbr-222	120	21	two	two	NUM
asfbr-222	120	22	different	different	ADJ
asfbr-222	120	23	sources	source	NOUN
asfbr-222	120	24	,	,	PUNCT
asfbr-222	120	25	firstly	firstly	ADV
asfbr-222	120	26	through	through	ADP
asfbr-222	120	27	interest	interest	NOUN
asfbr-222	120	28	income	income	NOUN
asfbr-222	120	29	and	and	CCONJ
asfbr-222	120	30	secondly	secondly	ADV
asfbr-222	120	31	,	,	PUNCT
asfbr-222	120	32	non	non	ADJ
asfbr-222	120	33	-	-	ADJ
asfbr-222	120	34	interest	interest	ADJ
asfbr-222	120	35	income	income	NOUN
asfbr-222	120	36	from	from	ADP
asfbr-222	120	37	investment	investment	NOUN
asfbr-222	120	38	in	in	ADP
asfbr-222	120	39	other	other	ADJ
asfbr-222	120	40	assets	asset	NOUN
asfbr-222	120	41	except	except	SCONJ
asfbr-222	120	42	loan	loan	NOUN
asfbr-222	120	43	and	and	CCONJ
asfbr-222	120	44	advances	advance	NOUN
asfbr-222	120	45	.	.	PUNCT
asfbr-222	121	1	for	for	ADP
asfbr-222	121	2	this	this	DET
asfbr-222	121	3	reason	reason	NOUN
asfbr-222	121	4	,	,	PUNCT
asfbr-222	121	5	the	the	DET
asfbr-222	121	6	model	model	NOUN
asfbr-222	121	7	to	to	PART
asfbr-222	121	8	be	be	AUX
asfbr-222	121	9	analyzed	analyze	VERB
asfbr-222	121	10	is	be	AUX
asfbr-222	121	11	twofold	twofold	NOUN
asfbr-222	121	12	as	as	SCONJ
asfbr-222	121	13	follows	follow	VERB
asfbr-222	121	14	niita=	niita=	NUM
asfbr-222	121	15	𝜶	𝜶	PART
asfbr-222	121	16	+	+	NUM
asfbr-222	121	17	𝜷𝟏	𝜷𝟏	NOUN
asfbr-222	121	18	∗	∗	NOUN
asfbr-222	121	19	𝑵𝑷𝑳𝑻𝑳	𝑵𝑷𝑳𝑻𝑳	PROPN
asfbr-222	121	20	+	+	CCONJ
asfbr-222	121	21	𝜷𝟐	𝜷𝟐	NOUN
asfbr-222	121	22	∗	∗	NOUN
asfbr-222	121	23	𝑳𝑳𝑷𝑴	𝑳𝑳𝑷𝑴	NOUN
asfbr-222	121	24	+	+	CCONJ
asfbr-222	121	25	𝜷𝟑	𝜷𝟑	PROPN
asfbr-222	121	26	∗	∗	NOUN
asfbr-222	121	27	𝑺𝑺𝑹𝑳𝑷	𝑺𝑺𝑹𝑳𝑷	PROPN
asfbr-222	121	28	+	+	CCONJ
asfbr-222	121	29	𝜺	𝜺	PROPN
asfbr-222	121	30	…	…	PUNCT
asfbr-222	121	31	…	…	PUNCT
asfbr-222	121	32	…	…	PUNCT
asfbr-222	121	33	…	…	PUNCT
asfbr-222	121	34	…	…	PUNCT
asfbr-222	121	35	…	…	PUNCT
asfbr-222	121	36	…	…	PUNCT
asfbr-222	121	37	…	…	PUNCT
asfbr-222	121	38	…	…	PUNCT
asfbr-222	121	39	…	…	PUNCT
asfbr-222	121	40	…	…	PUNCT
asfbr-222	121	41	…	…	PUNCT
asfbr-222	121	42	…	…	PUNCT
asfbr-222	121	43	…	…	PUNCT
asfbr-222	121	44	…	…	PUNCT
asfbr-222	121	45	…	…	PUNCT
asfbr-222	121	46	…	…	PUNCT
asfbr-222	121	47	…	…	PUNCT
asfbr-222	121	48	…	…	PUNCT
asfbr-222	121	49	…	…	SYM
asfbr-222	121	50	(1	(1	X
asfbr-222	121	51	)	)	PUNCT
asfbr-222	121	52	here	here	ADV
asfbr-222	121	53	,	,	PUNCT
asfbr-222	121	54	the	the	DET
asfbr-222	121	55	depended	depended	ADJ
asfbr-222	121	56	variable	variable	NOUN
asfbr-222	121	57	is	be	AUX
asfbr-222	121	58	the	the	DET
asfbr-222	121	59	non	non	ADJ
asfbr-222	121	60	-	-	ADJ
asfbr-222	121	61	interest	interest	ADJ
asfbr-222	121	62	income	income	NOUN
asfbr-222	121	63	to	to	ADP
asfbr-222	121	64	total	total	ADJ
asfbr-222	121	65	assets	asset	NOUN
asfbr-222	121	66	,	,	PUNCT
asfbr-222	121	67	which	which	PRON
asfbr-222	121	68	is	be	AUX
asfbr-222	121	69	the	the	DET
asfbr-222	121	70	proxy	proxy	NOUN
asfbr-222	121	71	for	for	ADP
asfbr-222	121	72	the	the	DET
asfbr-222	121	73	profitability	profitability	NOUN
asfbr-222	121	74	of	of	ADP
asfbr-222	121	75	the	the	DET
asfbr-222	121	76	banking	banking	NOUN
asfbr-222	121	77	sector	sector	NOUN
asfbr-222	121	78	in	in	ADP
asfbr-222	121	79	bangladesh	bangladesh	NOUN
asfbr-222	121	80	.	.	PUNCT
asfbr-222	122	1	the	the	DET
asfbr-222	122	2	independent	independent	ADJ
asfbr-222	122	3	variables	variable	NOUN
asfbr-222	122	4	are	be	AUX
asfbr-222	122	5	gross	gross	ADJ
asfbr-222	122	6	npl	npl	PROPN
asfbr-222	122	7	to	to	ADP
asfbr-222	122	8	total	total	ADJ
asfbr-222	122	9	loans	loan	NOUN
asfbr-222	122	10	outstanding	outstanding	ADJ
asfbr-222	122	11	(	(	PUNCT
asfbr-222	122	12	npltl	npltl	NOUN
asfbr-222	122	13	)	)	PUNCT
asfbr-222	122	14	,	,	PUNCT
asfbr-222	122	15	loan	loan	NOUN
asfbr-222	122	16	loss	loss	NOUN
asfbr-222	122	17	provision	provision	NOUN
asfbr-222	122	18	maintained	maintain	VERB
asfbr-222	122	19	(	(	PUNCT
asfbr-222	122	20	llpm	llpm	NOUN
asfbr-222	122	21	)	)	PUNCT
asfbr-222	122	22	,	,	PUNCT
asfbr-222	122	23	and	and	CCONJ
asfbr-222	122	24	surplus/(shortfall	surplus/(shortfall	PRON
asfbr-222	122	25	)	)	PUNCT
asfbr-222	122	26	resulted	result	VERB
asfbr-222	122	27	from	from	ADP
asfbr-222	122	28	the	the	DET
asfbr-222	122	29	required	require	VERB
asfbr-222	122	30	loan	loan	NOUN
asfbr-222	122	31	provisioning	provisioning	NOUN
asfbr-222	122	32	(	(	PUNCT
asfbr-222	122	33	ssrlp	ssrlp	PROPN
asfbr-222	122	34	)	)	PUNCT
asfbr-222	122	35	,	,	PUNCT
asfbr-222	122	36	and	and	CCONJ
asfbr-222	122	37	the	the	DET
asfbr-222	122	38	error	error	NOUN
asfbr-222	122	39	terms	term	NOUN
asfbr-222	122	40	.	.	PUNCT
asfbr-222	123	1	model-1	model-1	NUM
asfbr-222	123	2	summary	summary	NOUN
asfbr-222	123	3	model	model	NOUN
asfbr-222	123	4	r	r	NOUN
asfbr-222	123	5	r	r	NOUN
asfbr-222	123	6	square	square	ADJ
asfbr-222	123	7	adjusted	adjust	VERB
asfbr-222	123	8	r	r	NOUN
asfbr-222	123	9	square	square	ADJ
asfbr-222	123	10	std	std	NOUN
asfbr-222	123	11	.	.	PUNCT
asfbr-222	124	1	error	error	NOUN
asfbr-222	124	2	of	of	ADP
asfbr-222	124	3	the	the	DET
asfbr-222	124	4	estimate	estimate	NOUN
asfbr-222	124	5	1	1	NUM
asfbr-222	124	6	.886	.886	NUM
asfbr-222	124	7	a	a	DET
asfbr-222	124	8	.785	.785	NUM
asfbr-222	124	9	.656	.656	NUM
asfbr-222	124	10	.20175	.20175	NOUN
asfbr-222	124	11	a.	a.	NOUN
asfbr-222	124	12	predictors	predictor	NOUN
asfbr-222	124	13	:	:	PUNCT
asfbr-222	124	14	(	(	PUNCT
asfbr-222	124	15	constant	constant	ADJ
asfbr-222	124	16	)	)	PUNCT
asfbr-222	124	17	,	,	PUNCT
asfbr-222	124	18	surplus/(shortfall	surplus/(shortfall	NOUN
asfbr-222	124	19	)	)	PUNCT
asfbr-222	124	20	,	,	PUNCT
asfbr-222	124	21	gross	gross	ADJ
asfbr-222	124	22	npl	npl	PROPN
asfbr-222	124	23	to	to	ADP
asfbr-222	124	24	total	total	ADJ
asfbr-222	124	25	loans	loan	NOUN
asfbr-222	124	26	outstanding	outstanding	ADJ
asfbr-222	124	27	,	,	PUNCT
asfbr-222	124	28	provision	provision	NOUN
asfbr-222	124	29	maintained	maintain	VERB
asfbr-222	124	30	source	source	NOUN
asfbr-222	124	31	:	:	PUNCT
asfbr-222	124	32	author	author	NOUN
asfbr-222	124	33	’s	’s	PART
asfbr-222	124	34	analysis	analysis	NOUN
asfbr-222	124	35	using	use	VERB
asfbr-222	124	36	spss	spss	PROPN
asfbr-222	124	37	v16.0	v16.0	PROPN
asfbr-222	124	38	.	.	PUNCT
asfbr-222	125	1	as	as	SCONJ
asfbr-222	125	2	it	it	PRON
asfbr-222	125	3	is	be	AUX
asfbr-222	125	4	shown	show	VERB
asfbr-222	125	5	in	in	ADP
asfbr-222	125	6	the	the	DET
asfbr-222	125	7	model-1	model-1	NUM
asfbr-222	125	8	summary	summary	NOUN
asfbr-222	125	9	,	,	PUNCT
asfbr-222	125	10	it	it	PRON
asfbr-222	125	11	indicates	indicate	VERB
asfbr-222	125	12	that	that	SCONJ
asfbr-222	125	13	the	the	DET
asfbr-222	125	14	independent	independent	ADJ
asfbr-222	125	15	variables	variable	NOUN
asfbr-222	125	16	are	be	AUX
asfbr-222	125	17	highly	highly	ADV
asfbr-222	125	18	correlated	correlate	VERB
asfbr-222	125	19	with	with	ADP
asfbr-222	125	20	the	the	DET
asfbr-222	125	21	dependent	dependent	ADJ
asfbr-222	125	22	variable	variable	NOUN
asfbr-222	125	23	and	and	CCONJ
asfbr-222	125	24	it	it	PRON
asfbr-222	125	25	is	be	AUX
asfbr-222	125	26	0.886	0.886	NUM
asfbr-222	125	27	(	(	PUNCT
asfbr-222	125	28	the	the	DET
asfbr-222	125	29	‘	'	PUNCT
asfbr-222	125	30	r	r	NOUN
asfbr-222	125	31	’	'	PUNCT
asfbr-222	125	32	value	value	NOUN
asfbr-222	125	33	)	)	PUNCT
asfbr-222	125	34	.	.	PUNCT
asfbr-222	126	1	based	base	VERB
asfbr-222	126	2	on	on	ADP
asfbr-222	126	3	the	the	DET
asfbr-222	126	4	r	r	NOUN
asfbr-222	126	5	square	square	ADJ
asfbr-222	126	6	value	value	NOUN
asfbr-222	126	7	,	,	PUNCT
asfbr-222	126	8	78.50	78.50	NUM
asfbr-222	126	9	%	%	NOUN
asfbr-222	126	10	variation	variation	NOUN
asfbr-222	126	11	in	in	ADP
asfbr-222	126	12	the	the	DET
asfbr-222	126	13	dependent	dependent	ADJ
asfbr-222	126	14	variable	variable	NOUN
asfbr-222	126	15	is	be	AUX
asfbr-222	126	16	explained	explain	VERB
asfbr-222	126	17	by	by	ADP
asfbr-222	126	18	the	the	DET
asfbr-222	126	19	gross	gross	ADJ
asfbr-222	126	20	npl	npl	PROPN
asfbr-222	126	21	to	to	ADP
asfbr-222	126	22	total	total	ADJ
asfbr-222	126	23	loans	loan	NOUN
asfbr-222	126	24	outstanding	outstanding	ADJ
asfbr-222	126	25	(	(	PUNCT
asfbr-222	126	26	npltl	npltl	NOUN
asfbr-222	126	27	)	)	PUNCT
asfbr-222	126	28	,	,	PUNCT
asfbr-222	126	29	loan	loan	NOUN
asfbr-222	126	30	loss	loss	NOUN
asfbr-222	126	31	provision	provision	NOUN
asfbr-222	126	32	maintained	maintain	VERB
asfbr-222	126	33	(	(	PUNCT
asfbr-222	126	34	llpm	llpm	NOUN
asfbr-222	126	35	)	)	PUNCT
asfbr-222	126	36	,	,	PUNCT
asfbr-222	126	37	and	and	CCONJ
asfbr-222	126	38	surplus/(shortfall	surplus/(shortfall	PRON
asfbr-222	126	39	)	)	PUNCT
asfbr-222	126	40	resulted	result	VERB
asfbr-222	126	41	from	from	ADP
asfbr-222	126	42	the	the	DET
asfbr-222	126	43	required	require	VERB
asfbr-222	126	44	loan	loan	NOUN
asfbr-222	126	45	provisioning	provisioning	NOUN
asfbr-222	126	46	(	(	PUNCT
asfbr-222	126	47	ssrlp	ssrlp	PROPN
asfbr-222	126	48	)	)	PUNCT
asfbr-222	126	49	.	.	PUNCT
asfbr-222	127	1	anova	anova	PROPN
asfbr-222	127	2	b	b	PROPN
asfbr-222	127	3	model	model	NOUN
asfbr-222	127	4	sum	sum	NOUN
asfbr-222	127	5	of	of	ADP
asfbr-222	127	6	squares	square	NOUN
asfbr-222	127	7	df	df	PROPN
asfbr-222	127	8	mean	mean	PROPN
asfbr-222	127	9	square	square	PROPN
asfbr-222	127	10	f	f	PROPN
asfbr-222	127	11	sig	sig	PROPN
asfbr-222	127	12	.	.	PROPN
asfbr-222	127	13	1	1	NUM
asfbr-222	127	14	regression	regression	NOUN
asfbr-222	127	15	.744	.744	NUM
asfbr-222	127	16	3	3	NUM
asfbr-222	127	17	.248	.248	NUM
asfbr-222	127	18	6.090	6.090	NUM
asfbr-222	127	19	.040	.040	NUM
asfbr-222	127	20	a	a	DET
asfbr-222	127	21	residual	residual	ADJ
asfbr-222	127	22	.204	.204	NUM
asfbr-222	127	23	5	5	NUM
asfbr-222	127	24	.041	.041	NUM
asfbr-222	127	25	total	total	NOUN
asfbr-222	127	26	.947	.947	NUM
asfbr-222	127	27	8	8	NUM
asfbr-222	127	28	a.	a.	NOUN
asfbr-222	127	29	predictors	predictor	NOUN
asfbr-222	127	30	:	:	PUNCT
asfbr-222	127	31	(	(	PUNCT
asfbr-222	127	32	constant	constant	ADJ
asfbr-222	127	33	)	)	PUNCT
asfbr-222	127	34	,	,	PUNCT
asfbr-222	127	35	surplus/(shortfall	surplus/(shortfall	NOUN
asfbr-222	127	36	)	)	PUNCT
asfbr-222	127	37	,	,	PUNCT
asfbr-222	127	38	gross	gross	ADJ
asfbr-222	127	39	npl	npl	PROPN
asfbr-222	127	40	to	to	ADP
asfbr-222	127	41	total	total	ADJ
asfbr-222	127	42	loans	loan	NOUN
asfbr-222	127	43	outstanding	outstanding	ADJ
asfbr-222	127	44	,	,	PUNCT
asfbr-222	127	45	provision	provision	NOUN
asfbr-222	127	46	maintained	maintain	VERB
asfbr-222	127	47	b.	b.	PROPN
asfbr-222	127	48	dependent	dependent	ADJ
asfbr-222	127	49	variable	variable	NOUN
asfbr-222	127	50	:	:	PUNCT
asfbr-222	127	51	non	non	ADJ
asfbr-222	127	52	-	-	ADJ
asfbr-222	127	53	interest	interest	ADJ
asfbr-222	127	54	income	income	NOUN
asfbr-222	127	55	to	to	ADP
asfbr-222	127	56	total	total	ADJ
asfbr-222	127	57	assets	asset	NOUN
asfbr-222	127	58	source	source	NOUN
asfbr-222	127	59	:	:	PUNCT
asfbr-222	127	60	author	author	NOUN
asfbr-222	127	61	’s	’s	PART
asfbr-222	127	62	analysis	analysis	NOUN
asfbr-222	127	63	using	use	VERB
asfbr-222	127	64	spss	spss	PROPN
asfbr-222	127	65	v16.0	v16.0	PROPN
asfbr-222	127	66	.	.	PROPN
asfbr-222	127	67	years	years	PROPN
asfbr-222	127	68	roa	roa	PROPN
asfbr-222	127	69	roe	roe	PROPN
asfbr-222	127	70	net	net	ADJ
asfbr-222	127	71	interest	interest	NOUN
asfbr-222	127	72	margin	margin	NOUN
asfbr-222	127	73	operating	operating	NOUN
asfbr-222	127	74	profit	profit	NOUN
asfbr-222	127	75	before	before	ADP
asfbr-222	127	76	provision	provision	NOUN
asfbr-222	127	77	(	(	PUNCT
asfbr-222	127	78	in	in	ADP
asfbr-222	127	79	billion	billion	NUM
asfbr-222	127	80	bdt	bdt	NOUN
asfbr-222	127	81	)	)	PUNCT
asfbr-222	127	82	2009	2009	NUM
asfbr-222	127	83	1.38	1.38	NUM
asfbr-222	127	84	19.86	19.86	NUM
asfbr-222	127	85	2.59	2.59	NUM
asfbr-222	127	86	116.25	116.25	NUM
asfbr-222	127	87	2010	2010	NUM
asfbr-222	127	88	1.72	1.72	NUM
asfbr-222	127	89	19.89	19.89	NUM
asfbr-222	127	90	3.05	3.05	NUM
asfbr-222	127	91	170.92	170.92	NUM
asfbr-222	127	92	2011	2011	NUM
asfbr-222	127	93	1.3	1.3	NUM
asfbr-222	127	94	14.3	14.3	NUM
asfbr-222	127	95	3	3	NUM
asfbr-222	127	96	186.8	186.8	NUM
asfbr-222	127	97	2012	2012	NUM
asfbr-222	127	98	0.6	0.6	NUM
asfbr-222	127	99	7.8	7.8	NUM
asfbr-222	127	100	2.8	2.8	NUM
asfbr-222	127	101	197.3	197.3	NUM
asfbr-222	127	102	2013	2013	NUM
asfbr-222	127	103	0.9	0.9	NUM
asfbr-222	127	104	10.7	10.7	NUM
asfbr-222	127	105	2.1	2.1	NUM
asfbr-222	127	106	186.1	186.1	NUM
asfbr-222	127	107	2014	2014	NUM
asfbr-222	127	108	0.7	0.7	NUM
asfbr-222	127	109	8.1	8.1	NUM
asfbr-222	127	110	1.8	1.8	NUM
asfbr-222	127	111	212.7	212.7	NUM
asfbr-222	127	112	2015	2015	NUM
asfbr-222	127	113	0.8	0.8	NUM
asfbr-222	127	114	9.4	9.4	NUM
asfbr-222	127	115	1.7	1.7	NUM
asfbr-222	127	116	216.9	216.9	NUM
asfbr-222	127	117	2016	2016	NUM
asfbr-222	127	118	0.7	0.7	NUM
asfbr-222	127	119	9.7	9.7	NUM
asfbr-222	127	120	1.9	1.9	NUM
asfbr-222	127	121	216	216	NUM
asfbr-222	127	122	2017	2017	NUM
asfbr-222	127	123	0.7	0.7	NUM
asfbr-222	127	124	10.40	10.40	NUM
asfbr-222	127	125	2.00	2.00	NUM
asfbr-222	127	126	246.50	246.50	NUM
asfbr-222	127	127	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	NOUN
asfbr-222	127	128	asian	asian	ADJ
asfbr-222	127	129	finance	finance	PROPN
asfbr-222	127	130	&	&	CCONJ
asfbr-222	127	131	banking	banking	PROPN
asfbr-222	127	132	review	review	PROPN
asfbr-222	127	133	vol	vol	NOUN
asfbr-222	127	134	.	.	PROPN
asfbr-222	128	1	2	2	NUM
asfbr-222	128	2	,	,	PUNCT
asfbr-222	128	3	no	no	INTJ
asfbr-222	128	4	.	.	NOUN
asfbr-222	128	5	2	2	NUM
asfbr-222	128	6	;	;	PUNCT
asfbr-222	128	7	2018	2018	NUM
asfbr-222	128	8	39	39	NUM
asfbr-222	128	9	the	the	DET
asfbr-222	128	10	regression	regression	NOUN
asfbr-222	128	11	model-1	model-1	PROPN
asfbr-222	128	12	predicts	predict	VERB
asfbr-222	128	13	the	the	DET
asfbr-222	128	14	variation	variation	NOUN
asfbr-222	128	15	of	of	ADP
asfbr-222	128	16	the	the	DET
asfbr-222	128	17	dependent	dependent	ADJ
asfbr-222	128	18	variable	variable	NOUN
asfbr-222	128	19	,	,	PUNCT
asfbr-222	128	20	significantly	significantly	ADV
asfbr-222	128	21	well	well	ADV
asfbr-222	128	22	,	,	PUNCT
asfbr-222	128	23	as	as	SCONJ
asfbr-222	128	24	it	it	PRON
asfbr-222	128	25	has	have	VERB
asfbr-222	128	26	an	an	DET
asfbr-222	128	27	acceptable	acceptable	ADJ
asfbr-222	128	28	level	level	NOUN
asfbr-222	128	29	of	of	ADP
asfbr-222	128	30	significance	significance	NOUN
asfbr-222	128	31	to	to	PART
asfbr-222	128	32	be	be	AUX
asfbr-222	128	33	statistically	statistically	ADV
asfbr-222	128	34	significant	significant	ADJ
asfbr-222	128	35	and	and	CCONJ
asfbr-222	128	36	good	good	ADJ
asfbr-222	128	37	fit	fit	NOUN
asfbr-222	128	38	for	for	ADP
asfbr-222	128	39	the	the	DET
asfbr-222	128	40	data	datum	NOUN
asfbr-222	128	41	.	.	PUNCT
asfbr-222	129	1	coefficients	coefficient	NOUN
asfbr-222	129	2	a	a	DET
asfbr-222	129	3	model	model	NOUN
asfbr-222	129	4	unstandardized	unstandardized	ADJ
asfbr-222	129	5	coefficients	coefficient	NOUN
asfbr-222	129	6	standardized	standardize	VERB
asfbr-222	129	7	coefficients	coefficient	NOUN
asfbr-222	129	8	t	t	PROPN
asfbr-222	129	9	sig	sig	PROPN
asfbr-222	129	10	.	.	PUNCT
asfbr-222	130	1	b	b	X
asfbr-222	130	2	std	std	PROPN
asfbr-222	130	3	.	.	NOUN
asfbr-222	130	4	error	error	NOUN
asfbr-222	130	5	beta	beta	NOUN
asfbr-222	130	6	1	1	NUM
asfbr-222	130	7	(	(	PUNCT
asfbr-222	130	8	constant	constant	ADJ
asfbr-222	130	9	)	)	PUNCT
asfbr-222	130	10	3.567	3.567	NUM
asfbr-222	130	11	.578	.578	NUM
asfbr-222	130	12	6.171	6.171	NUM
asfbr-222	130	13	.002	.002	NUM
asfbr-222	130	14	gross	gross	ADJ
asfbr-222	130	15	npl	npl	PROPN
asfbr-222	130	16	to	to	ADP
asfbr-222	130	17	total	total	ADJ
asfbr-222	130	18	loans	loan	NOUN
asfbr-222	130	19	outstanding	outstanding	ADJ
asfbr-222	130	20	-.014	-.014	PROPN
asfbr-222	130	21	.070	.070	NUM
asfbr-222	131	1	-.050	-.050	ADJ
asfbr-222	131	2	-.198	-.198	ADJ
asfbr-222	131	3	.851	.851	NUM
asfbr-222	131	4	provision	provision	NOUN
asfbr-222	131	5	maintained	maintain	VERB
asfbr-222	131	6	-.003	-.003	PROPN
asfbr-222	131	7	.001	.001	NUM
asfbr-222	132	1	-.626	-.626	PROPN
asfbr-222	132	2	-2.087	-2.087	PUNCT
asfbr-222	132	3	.041	.041	NUM
asfbr-222	132	4	surplus/(shortfall	surplus/(shortfall	NOUN
asfbr-222	132	5	)	)	PUNCT
asfbr-222	132	6	.003	.003	NUM
asfbr-222	132	7	.004	.004	NUM
asfbr-222	132	8	.291	.291	NUM
asfbr-222	132	9	.942	.942	NUM
asfbr-222	132	10	.390	.390	NUM
asfbr-222	132	11	a.	a.	NOUN
asfbr-222	132	12	dependent	dependent	ADJ
asfbr-222	132	13	variable	variable	NOUN
asfbr-222	132	14	:	:	PUNCT
asfbr-222	132	15	non	non	ADJ
asfbr-222	132	16	-	-	ADJ
asfbr-222	132	17	interest	interest	ADJ
asfbr-222	132	18	income	income	NOUN
asfbr-222	132	19	to	to	ADP
asfbr-222	132	20	total	total	ADJ
asfbr-222	132	21	assets	asset	NOUN
asfbr-222	132	22	source	source	NOUN
asfbr-222	132	23	:	:	PUNCT
asfbr-222	132	24	author	author	NOUN
asfbr-222	132	25	’s	’s	PART
asfbr-222	132	26	analysis	analysis	NOUN
asfbr-222	132	27	using	use	VERB
asfbr-222	132	28	spss	spss	PROPN
asfbr-222	132	29	v16.0	v16.0	PROPN
asfbr-222	132	30	.	.	PUNCT
asfbr-222	133	1	the	the	DET
asfbr-222	133	2	analysis	analysis	NOUN
asfbr-222	133	3	of	of	ADP
asfbr-222	133	4	coefficients	coefficient	NOUN
asfbr-222	133	5	shows	show	VERB
asfbr-222	133	6	how	how	SCONJ
asfbr-222	133	7	much	much	ADJ
asfbr-222	133	8	influence	influence	NOUN
asfbr-222	133	9	is	be	AUX
asfbr-222	133	10	exerted	exert	VERB
asfbr-222	133	11	by	by	ADP
asfbr-222	133	12	the	the	DET
asfbr-222	133	13	independent	independent	ADJ
asfbr-222	133	14	variables	variable	NOUN
asfbr-222	133	15	,	,	PUNCT
asfbr-222	133	16	namely	namely	ADV
asfbr-222	133	17	the	the	DET
asfbr-222	133	18	gross	gross	ADJ
asfbr-222	133	19	npl	npl	NOUN
asfbr-222	133	20	to	to	ADP
asfbr-222	133	21	total	total	ADJ
asfbr-222	133	22	loans	loan	NOUN
asfbr-222	133	23	outstanding	outstanding	ADJ
asfbr-222	133	24	(	(	PUNCT
asfbr-222	133	25	npltl	npltl	NOUN
asfbr-222	133	26	)	)	PUNCT
asfbr-222	133	27	,	,	PUNCT
asfbr-222	133	28	loan	loan	NOUN
asfbr-222	133	29	loss	loss	NOUN
asfbr-222	133	30	provision	provision	NOUN
asfbr-222	133	31	maintained	maintain	VERB
asfbr-222	133	32	(	(	PUNCT
asfbr-222	133	33	llpm	llpm	NOUN
asfbr-222	133	34	)	)	PUNCT
asfbr-222	133	35	,	,	PUNCT
asfbr-222	133	36	and	and	CCONJ
asfbr-222	133	37	surplus/(shortfall	surplus/(shortfall	PRON
asfbr-222	133	38	)	)	PUNCT
asfbr-222	133	39	resulted	result	VERB
asfbr-222	133	40	from	from	ADP
asfbr-222	133	41	the	the	DET
asfbr-222	133	42	required	require	VERB
asfbr-222	133	43	loan	loan	NOUN
asfbr-222	133	44	provisioning	provisioning	NOUN
asfbr-222	133	45	(	(	PUNCT
asfbr-222	133	46	ssrlp	ssrlp	PROPN
asfbr-222	133	47	)	)	PUNCT
asfbr-222	133	48	on	on	ADP
asfbr-222	133	49	the	the	DET
asfbr-222	133	50	dependent	dependent	ADJ
asfbr-222	133	51	variables	variable	NOUN
asfbr-222	133	52	,	,	PUNCT
asfbr-222	133	53	non	non	ADJ
asfbr-222	133	54	-	-	ADJ
asfbr-222	133	55	interest	interest	ADJ
asfbr-222	133	56	income	income	NOUN
asfbr-222	133	57	to	to	ADP
asfbr-222	133	58	total	total	ADJ
asfbr-222	133	59	assets	asset	NOUN
asfbr-222	133	60	.	.	PUNCT
asfbr-222	134	1	the	the	DET
asfbr-222	134	2	first	first	ADJ
asfbr-222	134	3	two	two	NUM
asfbr-222	134	4	variables	variable	NOUN
asfbr-222	134	5	showed	show	VERB
asfbr-222	134	6	negative	negative	ADJ
asfbr-222	134	7	relationship	relationship	NOUN
asfbr-222	134	8	with	with	ADP
asfbr-222	134	9	the	the	DET
asfbr-222	134	10	dependent	dependent	ADJ
asfbr-222	134	11	variable	variable	NOUN
asfbr-222	134	12	.	.	PUNCT
asfbr-222	135	1	among	among	ADP
asfbr-222	135	2	the	the	DET
asfbr-222	135	3	independent	independent	ADJ
asfbr-222	135	4	variables	variable	NOUN
asfbr-222	135	5	only	only	ADV
asfbr-222	135	6	loan	loan	NOUN
asfbr-222	135	7	loss	loss	NOUN
asfbr-222	135	8	provision	provision	NOUN
asfbr-222	135	9	maintained	maintain	VERB
asfbr-222	135	10	(	(	PUNCT
asfbr-222	135	11	llpm	llpm	NOUN
asfbr-222	135	12	)	)	PUNCT
asfbr-222	135	13	found	find	VERB
asfbr-222	135	14	statistically	statistically	ADV
asfbr-222	135	15	significant	significant	ADJ
asfbr-222	135	16	.	.	PUNCT
asfbr-222	136	1	thus	thus	ADV
asfbr-222	136	2	the	the	DET
asfbr-222	136	3	regression	regression	NOUN
asfbr-222	136	4	equation	equation	NOUN
asfbr-222	136	5	now	now	ADV
asfbr-222	136	6	become	become	VERB
asfbr-222	136	7	as	as	SCONJ
asfbr-222	136	8	follows	follow	VERB
asfbr-222	136	9	noiita=	noiita=	NUM
asfbr-222	136	10	𝟑.	𝟑.	PUNCT
asfbr-222	136	11	𝟓𝟔𝟕	𝟓𝟔𝟕	NUM
asfbr-222	136	12	+	+	SYM
asfbr-222	136	13	(	(	PUNCT
asfbr-222	136	14	−𝟎.	−𝟎.	NOUN
asfbr-222	136	15	𝟎𝟏𝟒	𝟎𝟏𝟒	NUM
asfbr-222	136	16	)	)	PUNCT
asfbr-222	136	17	∗	∗	NOUN
asfbr-222	136	18	𝑵𝑷𝑳𝑻𝑳	𝑵𝑷𝑳𝑻𝑳	PROPN
asfbr-222	137	1	+	+	CCONJ
asfbr-222	137	2	(	(	PUNCT
asfbr-222	137	3	−𝟎.	−𝟎.	PRON
asfbr-222	137	4	𝟎𝟎𝟑	𝟎𝟎𝟑	X
asfbr-222	137	5	)	)	PUNCT
asfbr-222	137	6	∗	∗	NOUN
asfbr-222	137	7	𝑳𝑳𝑷𝑴	𝑳𝑳𝑷𝑴	VERB
asfbr-222	137	8	+	+	CCONJ
asfbr-222	137	9	(	(	PUNCT
asfbr-222	137	10	𝟎.	𝟎.	X
asfbr-222	137	11	𝟎𝟎𝟑	𝟎𝟎𝟑	X
asfbr-222	137	12	)	)	PUNCT
asfbr-222	137	13	∗	∗	NOUN
asfbr-222	137	14	𝑺𝑺𝑹𝑳𝑷	𝑺𝑺𝑹𝑳𝑷	PROPN
asfbr-222	137	15	+	+	CCONJ
asfbr-222	137	16	𝜺	𝜺	PROPN
asfbr-222	137	17	…	…	PUNCT
asfbr-222	137	18	…	…	PUNCT
asfbr-222	137	19	…	…	PUNCT
asfbr-222	137	20	…	…	PUNCT
asfbr-222	137	21	…	…	PUNCT
asfbr-222	137	22	…	…	PUNCT
asfbr-222	137	23	…	…	PUNCT
asfbr-222	137	24	…	…	PUNCT
asfbr-222	137	25	…	…	PUNCT
asfbr-222	137	26	.(1	.(1	NUM
asfbr-222	137	27	)	)	PUNCT
asfbr-222	137	28	in	in	ADP
asfbr-222	137	29	the	the	DET
asfbr-222	137	30	earlier	early	ADJ
asfbr-222	137	31	model	model	NOUN
asfbr-222	137	32	,	,	PUNCT
asfbr-222	137	33	the	the	DET
asfbr-222	137	34	dependent	dependent	ADJ
asfbr-222	137	35	variable	variable	NOUN
asfbr-222	137	36	was	be	AUX
asfbr-222	137	37	non	non	ADJ
asfbr-222	137	38	-	-	ADJ
asfbr-222	137	39	interest	interest	ADJ
asfbr-222	137	40	income	income	NOUN
asfbr-222	137	41	to	to	ADP
asfbr-222	137	42	total	total	ADJ
asfbr-222	137	43	assets	asset	NOUN
asfbr-222	137	44	(	(	PUNCT
asfbr-222	137	45	noiita	noiita	NOUN
asfbr-222	137	46	)	)	PUNCT
asfbr-222	137	47	,	,	PUNCT
asfbr-222	137	48	now	now	ADV
asfbr-222	137	49	in	in	ADP
asfbr-222	137	50	the	the	DET
asfbr-222	137	51	second	second	ADJ
asfbr-222	137	52	model	model	NOUN
asfbr-222	137	53	,	,	PUNCT
asfbr-222	137	54	the	the	DET
asfbr-222	137	55	dependent	dependent	ADJ
asfbr-222	137	56	variable	variable	ADJ
asfbr-222	137	57	change	change	NOUN
asfbr-222	137	58	to	to	ADP
asfbr-222	137	59	net	net	ADJ
asfbr-222	137	60	-	-	PUNCT
asfbr-222	137	61	interest	interest	NOUN
asfbr-222	137	62	income	income	NOUN
asfbr-222	137	63	to	to	ADP
asfbr-222	137	64	total	total	ADJ
asfbr-222	137	65	assets	asset	NOUN
asfbr-222	137	66	(	(	PUNCT
asfbr-222	137	67	niita	niita	NOUN
asfbr-222	137	68	)	)	PUNCT
asfbr-222	137	69	to	to	PART
asfbr-222	137	70	find	find	VERB
asfbr-222	137	71	the	the	DET
asfbr-222	137	72	strength	strength	NOUN
asfbr-222	137	73	of	of	ADP
asfbr-222	137	74	influence	influence	NOUN
asfbr-222	137	75	of	of	ADP
asfbr-222	137	76	the	the	DET
asfbr-222	137	77	same	same	ADJ
asfbr-222	137	78	independent	independent	ADJ
asfbr-222	137	79	variable	variable	NOUN
asfbr-222	137	80	used	use	VERB
asfbr-222	137	81	in	in	ADP
asfbr-222	137	82	model-1	model-1	NUM
asfbr-222	137	83	,	,	PUNCT
asfbr-222	137	84	to	to	PART
asfbr-222	137	85	influence	influence	VERB
asfbr-222	137	86	a	a	DET
asfbr-222	137	87	dependent	dependent	ADJ
asfbr-222	137	88	variable	variable	NOUN
asfbr-222	137	89	which	which	PRON
asfbr-222	137	90	is	be	AUX
asfbr-222	137	91	directly	directly	ADV
asfbr-222	137	92	related	relate	VERB
asfbr-222	137	93	with	with	ADP
asfbr-222	137	94	the	the	DET
asfbr-222	137	95	loan	loan	NOUN
asfbr-222	137	96	and	and	CCONJ
asfbr-222	137	97	advances	advance	NOUN
asfbr-222	137	98	,	,	PUNCT
asfbr-222	137	99	non	non	ADJ
asfbr-222	137	100	-	-	ADJ
asfbr-222	137	101	performing	performing	ADJ
asfbr-222	137	102	loans	loan	NOUN
asfbr-222	137	103	(	(	PUNCT
asfbr-222	137	104	nlps	nlp	NOUN
asfbr-222	137	105	)	)	PUNCT
asfbr-222	137	106	and	and	CCONJ
asfbr-222	137	107	loan	loan	NOUN
asfbr-222	137	108	loss	loss	NOUN
asfbr-222	137	109	provisioning	provisioning	NOUN
asfbr-222	137	110	(	(	PUNCT
asfbr-222	137	111	llp	llp	PROPN
asfbr-222	137	112	)	)	PUNCT
asfbr-222	137	113	.	.	PUNCT
asfbr-222	138	1	the	the	DET
asfbr-222	138	2	model-2	model-2	PROPN
asfbr-222	138	3	designed	design	VERB
asfbr-222	138	4	as	as	SCONJ
asfbr-222	138	5	follows	follow	VERB
asfbr-222	138	6	niita=	niita=	NUM
asfbr-222	138	7	𝜶	𝜶	PART
asfbr-222	138	8	+	+	NUM
asfbr-222	138	9	𝜷𝟏	𝜷𝟏	NOUN
asfbr-222	138	10	∗	∗	NOUN
asfbr-222	138	11	𝑵𝑷𝑳𝑻𝑳	𝑵𝑷𝑳𝑻𝑳	PROPN
asfbr-222	138	12	+	+	CCONJ
asfbr-222	138	13	𝜷𝟐	𝜷𝟐	NOUN
asfbr-222	138	14	∗	∗	NOUN
asfbr-222	138	15	𝑳𝑳𝑷𝑴	𝑳𝑳𝑷𝑴	NOUN
asfbr-222	138	16	+	+	CCONJ
asfbr-222	138	17	𝜷𝟑	𝜷𝟑	PROPN
asfbr-222	138	18	∗	∗	NOUN
asfbr-222	138	19	𝑺𝑺𝑹𝑳𝑷	𝑺𝑺𝑹𝑳𝑷	PROPN
asfbr-222	138	20	+	+	CCONJ
asfbr-222	138	21	𝜺	𝜺	PROPN
asfbr-222	138	22	…	…	PUNCT
asfbr-222	138	23	…	…	PUNCT
asfbr-222	138	24	…	…	PUNCT
asfbr-222	138	25	…	…	PUNCT
asfbr-222	138	26	…	…	PUNCT
asfbr-222	138	27	…	…	PUNCT
asfbr-222	138	28	…	…	PUNCT
asfbr-222	138	29	…	…	PUNCT
asfbr-222	138	30	…	…	PUNCT
asfbr-222	138	31	…	…	PUNCT
asfbr-222	138	32	…	…	PUNCT
asfbr-222	138	33	…	…	PUNCT
asfbr-222	138	34	…	…	PUNCT
asfbr-222	138	35	…	…	PUNCT
asfbr-222	138	36	…	…	PUNCT
asfbr-222	138	37	…	…	PUNCT
asfbr-222	138	38	…	…	PUNCT
asfbr-222	138	39	…	…	PUNCT
asfbr-222	138	40	…	…	PUNCT
asfbr-222	138	41	…	…	PUNCT
asfbr-222	138	42	.(2	.(2	NUM
asfbr-222	138	43	)	)	PUNCT
asfbr-222	138	44	as	as	SCONJ
asfbr-222	138	45	stated	state	VERB
asfbr-222	138	46	earlier	early	ADV
asfbr-222	138	47	,	,	PUNCT
asfbr-222	138	48	that	that	SCONJ
asfbr-222	138	49	the	the	DET
asfbr-222	138	50	second	second	ADJ
asfbr-222	138	51	model	model	NOUN
asfbr-222	138	52	has	have	VERB
asfbr-222	138	53	one	one	NUM
asfbr-222	138	54	change	change	NOUN
asfbr-222	138	55	in	in	ADP
asfbr-222	138	56	the	the	DET
asfbr-222	138	57	dependent	dependent	ADJ
asfbr-222	138	58	variable	variable	NOUN
asfbr-222	138	59	but	but	CCONJ
asfbr-222	138	60	the	the	DET
asfbr-222	138	61	other	other	ADJ
asfbr-222	138	62	variables	variable	NOUN
asfbr-222	138	63	are	be	AUX
asfbr-222	138	64	the	the	DET
asfbr-222	138	65	same	same	ADJ
asfbr-222	138	66	as	as	ADP
asfbr-222	138	67	model-1	model-1	NUM
asfbr-222	138	68	.	.	PUNCT
asfbr-222	139	1	after	after	ADP
asfbr-222	139	2	testing	test	VERB
asfbr-222	139	3	the	the	DET
asfbr-222	139	4	variables	variable	NOUN
asfbr-222	139	5	in	in	ADP
asfbr-222	139	6	the	the	DET
asfbr-222	139	7	spss	spss	PROPN
asfbr-222	139	8	v16.0	v16.0	PROPN
asfbr-222	139	9	,	,	PUNCT
asfbr-222	139	10	the	the	DET
asfbr-222	139	11	results	result	NOUN
asfbr-222	139	12	found	find	VERB
asfbr-222	139	13	as	as	ADP
asfbr-222	139	14	follows	follow	VERB
asfbr-222	139	15	.	.	PUNCT
asfbr-222	140	1	model	model	NOUN
asfbr-222	140	2	-2	-2	INTJ
asfbr-222	140	3	summary	summary	NOUN
asfbr-222	140	4	model	model	NOUN
asfbr-222	140	5	r	r	PROPN
asfbr-222	140	6	r	r	NOUN
asfbr-222	140	7	square	square	ADJ
asfbr-222	140	8	adjusted	adjust	VERB
asfbr-222	140	9	r	r	NOUN
asfbr-222	140	10	square	square	ADJ
asfbr-222	140	11	std	std	NOUN
asfbr-222	140	12	.	.	PUNCT
asfbr-222	141	1	error	error	NOUN
asfbr-222	141	2	of	of	ADP
asfbr-222	141	3	the	the	DET
asfbr-222	141	4	estimate	estimate	NOUN
asfbr-222	141	5	2	2	NUM
asfbr-222	141	6	.907	.907	NUM
asfbr-222	141	7	a	a	DET
asfbr-222	141	8	.823	.823	NUM
asfbr-222	141	9	.717	.717	NUM
asfbr-222	141	10	.22543	.22543	PROPN
asfbr-222	141	11	a.	a.	NOUN
asfbr-222	141	12	predictors	predictor	NOUN
asfbr-222	141	13	:	:	PUNCT
asfbr-222	141	14	(	(	PUNCT
asfbr-222	141	15	constant	constant	ADJ
asfbr-222	141	16	)	)	PUNCT
asfbr-222	141	17	,	,	PUNCT
asfbr-222	141	18	surplus/(shortfall	surplus/(shortfall	NOUN
asfbr-222	141	19	)	)	PUNCT
asfbr-222	141	20	,	,	PUNCT
asfbr-222	141	21	gross	gross	ADJ
asfbr-222	141	22	npl	npl	PROPN
asfbr-222	141	23	to	to	ADP
asfbr-222	141	24	total	total	ADJ
asfbr-222	141	25	loans	loan	NOUN
asfbr-222	141	26	outstanding	outstanding	ADJ
asfbr-222	141	27	,	,	PUNCT
asfbr-222	141	28	provision	provision	NOUN
asfbr-222	141	29	maintained	maintain	VERB
asfbr-222	141	30	source	source	NOUN
asfbr-222	141	31	:	:	PUNCT
asfbr-222	141	32	author	author	NOUN
asfbr-222	141	33	’s	’s	PART
asfbr-222	141	34	analysis	analysis	NOUN
asfbr-222	141	35	using	use	VERB
asfbr-222	141	36	spss	spss	PROPN
asfbr-222	141	37	v16.0	v16.0	PROPN
asfbr-222	141	38	.	.	PUNCT
asfbr-222	142	1	as	as	SCONJ
asfbr-222	142	2	it	it	PRON
asfbr-222	142	3	is	be	AUX
asfbr-222	142	4	shown	show	VERB
asfbr-222	142	5	in	in	ADP
asfbr-222	142	6	the	the	DET
asfbr-222	142	7	model-2	model-2	NUM
asfbr-222	142	8	summary	summary	NOUN
asfbr-222	142	9	,	,	PUNCT
asfbr-222	142	10	it	it	PRON
asfbr-222	142	11	indicates	indicate	VERB
asfbr-222	142	12	that	that	SCONJ
asfbr-222	142	13	the	the	DET
asfbr-222	142	14	independent	independent	ADJ
asfbr-222	142	15	variables	variable	NOUN
asfbr-222	142	16	are	be	AUX
asfbr-222	142	17	highly	highly	ADV
asfbr-222	142	18	correlated	correlate	VERB
asfbr-222	142	19	with	with	ADP
asfbr-222	142	20	the	the	DET
asfbr-222	142	21	dependent	dependent	ADJ
asfbr-222	142	22	variable	variable	NOUN
asfbr-222	142	23	and	and	CCONJ
asfbr-222	142	24	it	it	PRON
asfbr-222	142	25	is	be	AUX
asfbr-222	142	26	0.907	0.907	NUM
asfbr-222	142	27	(	(	PUNCT
asfbr-222	142	28	the	the	DET
asfbr-222	142	29	‘	'	PUNCT
asfbr-222	142	30	r	r	NOUN
asfbr-222	142	31	’	'	PUNCT
asfbr-222	142	32	value	value	NOUN
asfbr-222	142	33	)	)	PUNCT
asfbr-222	142	34	.	.	PUNCT
asfbr-222	143	1	based	base	VERB
asfbr-222	143	2	on	on	ADP
asfbr-222	143	3	the	the	DET
asfbr-222	143	4	r	r	NOUN
asfbr-222	143	5	square	square	ADJ
asfbr-222	143	6	value	value	NOUN
asfbr-222	143	7	generated	generate	VERB
asfbr-222	143	8	in	in	ADP
asfbr-222	143	9	the	the	DET
asfbr-222	143	10	test	test	NOUN
asfbr-222	143	11	,	,	PUNCT
asfbr-222	143	12	82.30	82.30	NUM
asfbr-222	143	13	%	%	NOUN
asfbr-222	143	14	variation	variation	NOUN
asfbr-222	143	15	in	in	ADP
asfbr-222	143	16	the	the	DET
asfbr-222	143	17	‘	'	PUNCT
asfbr-222	143	18	net	net	ADJ
asfbr-222	143	19	-	-	PUNCT
asfbr-222	143	20	interest	interest	NOUN
asfbr-222	143	21	income	income	NOUN
asfbr-222	143	22	to	to	ADP
asfbr-222	143	23	total	total	ADJ
asfbr-222	143	24	assets	asset	NOUN
asfbr-222	143	25	’	'	PUNCT
asfbr-222	143	26	is	be	AUX
asfbr-222	143	27	explained	explain	VERB
asfbr-222	143	28	by	by	ADP
asfbr-222	143	29	the	the	DET
asfbr-222	143	30	three	three	NUM
asfbr-222	143	31	independent	independent	ADJ
asfbr-222	143	32	variables	variable	NOUN
asfbr-222	143	33	.	.	PUNCT
asfbr-222	144	1	the	the	DET
asfbr-222	144	2	adjusted	adjust	VERB
asfbr-222	144	3	r	r	NOUN
asfbr-222	144	4	square	square	ADJ
asfbr-222	144	5	value	value	NOUN
asfbr-222	144	6	is	be	AUX
asfbr-222	144	7	found	find	VERB
asfbr-222	144	8	very	very	ADV
asfbr-222	144	9	useful	useful	ADJ
asfbr-222	144	10	which	which	PRON
asfbr-222	144	11	is	be	AUX
asfbr-222	144	12	“	"	PUNCT
asfbr-222	144	13	71.70	71.70	NUM
asfbr-222	144	14	percent	percent	NOUN
asfbr-222	144	15	”	"	PUNCT
asfbr-222	144	16	.	.	PUNCT
asfbr-222	145	1	the	the	DET
asfbr-222	145	2	model-2	model-2	PROPN
asfbr-222	145	3	showed	show	VERB
asfbr-222	145	4	the	the	DET
asfbr-222	145	5	findings	finding	NOUN
asfbr-222	145	6	noteworthy	noteworthy	ADJ
asfbr-222	145	7	enough	enough	ADV
asfbr-222	145	8	in	in	ADP
asfbr-222	145	9	comparison	comparison	NOUN
asfbr-222	145	10	to	to	ADP
asfbr-222	145	11	model-1	model-1	NUM
asfbr-222	145	12	.	.	PUNCT
asfbr-222	146	1	though	though	SCONJ
asfbr-222	146	2	both	both	DET
asfbr-222	146	3	models	model	NOUN
asfbr-222	146	4	are	be	AUX
asfbr-222	146	5	aimed	aim	VERB
asfbr-222	146	6	at	at	ADP
asfbr-222	146	7	a	a	DET
asfbr-222	146	8	same	same	ADJ
asfbr-222	146	9	set	set	NOUN
asfbr-222	146	10	of	of	ADP
asfbr-222	146	11	independent	independent	ADJ
asfbr-222	146	12	variables	variable	NOUN
asfbr-222	146	13	.	.	PUNCT
asfbr-222	147	1	the	the	DET
asfbr-222	147	2	regression	regression	NOUN
asfbr-222	147	3	model-2	model-2	PROPN
asfbr-222	147	4	predicts	predict	VERB
asfbr-222	147	5	the	the	DET
asfbr-222	147	6	variation	variation	NOUN
asfbr-222	147	7	of	of	ADP
asfbr-222	147	8	the	the	DET
asfbr-222	147	9	dependent	dependent	ADJ
asfbr-222	147	10	variable	variable	NOUN
asfbr-222	147	11	,	,	PUNCT
asfbr-222	147	12	also	also	ADV
asfbr-222	147	13	significantly	significantly	ADV
asfbr-222	147	14	well	well	ADV
asfbr-222	147	15	,	,	PUNCT
asfbr-222	147	16	as	as	SCONJ
asfbr-222	147	17	it	it	PRON
asfbr-222	147	18	has	have	VERB
asfbr-222	147	19	an	an	DET
asfbr-222	147	20	acceptable	acceptable	ADJ
asfbr-222	147	21	level	level	NOUN
asfbr-222	147	22	of	of	ADP
asfbr-222	147	23	significance	significance	NOUN
asfbr-222	147	24	(	(	PUNCT
asfbr-222	147	25	0.25	0.25	NUM
asfbr-222	147	26	)	)	PUNCT
asfbr-222	147	27	to	to	PART
asfbr-222	147	28	be	be	AUX
asfbr-222	147	29	statistically	statistically	ADV
asfbr-222	147	30	significant	significant	ADJ
asfbr-222	147	31	and	and	CCONJ
asfbr-222	147	32	good	good	ADJ
asfbr-222	147	33	fit	fit	NOUN
asfbr-222	147	34	for	for	ADP
asfbr-222	147	35	the	the	DET
asfbr-222	147	36	data	datum	NOUN
asfbr-222	147	37	.	.	PUNCT
asfbr-222	148	1	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-222	148	2	asian	asian	PROPN
asfbr-222	148	3	finance	finance	PROPN
asfbr-222	148	4	&	&	CCONJ
asfbr-222	148	5	banking	banking	PROPN
asfbr-222	148	6	review	review	PROPN
asfbr-222	148	7	vol	vol	NOUN
asfbr-222	148	8	.	.	PROPN
asfbr-222	149	1	2	2	NUM
asfbr-222	149	2	,	,	PUNCT
asfbr-222	149	3	no	no	INTJ
asfbr-222	149	4	.	.	NOUN
asfbr-222	149	5	2	2	NUM
asfbr-222	149	6	;	;	PUNCT
asfbr-222	149	7	2018	2018	NUM
asfbr-222	149	8	40	40	NUM
asfbr-222	149	9	anova	anova	PROPN
asfbr-222	149	10	b	b	PROPN
asfbr-222	149	11	model	model	NOUN
asfbr-222	149	12	sum	sum	NOUN
asfbr-222	149	13	of	of	ADP
asfbr-222	149	14	squares	square	NOUN
asfbr-222	149	15	df	df	PROPN
asfbr-222	149	16	mean	mean	PROPN
asfbr-222	149	17	square	square	PROPN
asfbr-222	149	18	f	f	PROPN
asfbr-222	149	19	sig	sig	PROPN
asfbr-222	149	20	.	.	PROPN
asfbr-222	149	21	2	2	NUM
asfbr-222	149	22	regression	regression	NOUN
asfbr-222	149	23	1.181	1.181	NUM
asfbr-222	149	24	3	3	NUM
asfbr-222	149	25	.394	.394	NUM
asfbr-222	149	26	7.744	7.744	NUM
asfbr-222	149	27	.025	.025	NUM
asfbr-222	149	28	a	a	DET
asfbr-222	149	29	residual	residual	ADJ
asfbr-222	149	30	.254	.254	NUM
asfbr-222	149	31	5	5	NUM
asfbr-222	149	32	.051	.051	NUM
asfbr-222	149	33	total	total	NOUN
asfbr-222	149	34	1.435	1.435	NUM
asfbr-222	149	35	8	8	NUM
asfbr-222	149	36	a.	a.	NOUN
asfbr-222	149	37	predictors	predictor	NOUN
asfbr-222	149	38	:	:	PUNCT
asfbr-222	149	39	(	(	PUNCT
asfbr-222	149	40	constant	constant	ADJ
asfbr-222	149	41	)	)	PUNCT
asfbr-222	149	42	,	,	PUNCT
asfbr-222	149	43	surplus/(shortfall	surplus/(shortfall	NOUN
asfbr-222	149	44	)	)	PUNCT
asfbr-222	149	45	,	,	PUNCT
asfbr-222	149	46	gross	gross	ADJ
asfbr-222	149	47	npl	npl	PROPN
asfbr-222	149	48	to	to	ADP
asfbr-222	149	49	total	total	ADJ
asfbr-222	149	50	loans	loan	NOUN
asfbr-222	149	51	outstanding	outstanding	ADJ
asfbr-222	149	52	,	,	PUNCT
asfbr-222	149	53	provision	provision	NOUN
asfbr-222	149	54	maintained	maintain	VERB
asfbr-222	149	55	b.	b.	PROPN
asfbr-222	149	56	dependent	dependent	ADJ
asfbr-222	149	57	variable	variable	NOUN
asfbr-222	149	58	:	:	PUNCT
asfbr-222	149	59	netinterest	netinter	ADJ
asfbr-222	149	60	income	income	NOUN
asfbr-222	149	61	to	to	ADP
asfbr-222	149	62	total	total	ADJ
asfbr-222	149	63	assets	asset	NOUN
asfbr-222	149	64	source	source	NOUN
asfbr-222	149	65	:	:	PUNCT
asfbr-222	149	66	author	author	NOUN
asfbr-222	149	67	’s	’s	PART
asfbr-222	149	68	analysis	analysis	NOUN
asfbr-222	149	69	using	use	VERB
asfbr-222	149	70	spss	spss	PROPN
asfbr-222	149	71	v16.0	v16.0	PROPN
asfbr-222	149	72	.	.	PUNCT
asfbr-222	150	1	the	the	DET
asfbr-222	150	2	analysis	analysis	NOUN
asfbr-222	150	3	of	of	ADP
asfbr-222	150	4	coefficients	coefficient	NOUN
asfbr-222	150	5	shows	show	VERB
asfbr-222	150	6	how	how	SCONJ
asfbr-222	150	7	much	much	ADJ
asfbr-222	150	8	influence	influence	NOUN
asfbr-222	150	9	is	be	AUX
asfbr-222	150	10	exerted	exert	VERB
asfbr-222	150	11	by	by	ADP
asfbr-222	150	12	the	the	DET
asfbr-222	150	13	new	new	ADJ
asfbr-222	150	14	dependent	dependent	ADJ
asfbr-222	150	15	variable	variable	NOUN
asfbr-222	150	16	on	on	ADP
asfbr-222	150	17	the	the	DET
asfbr-222	150	18	three	three	NUM
asfbr-222	150	19	independent	independent	ADJ
asfbr-222	150	20	variables	variable	NOUN
asfbr-222	150	21	.	.	PUNCT
asfbr-222	151	1	coefficients	coefficient	NOUN
asfbr-222	151	2	a	a	DET
asfbr-222	151	3	model	model	NOUN
asfbr-222	151	4	unstandardized	unstandardized	ADJ
asfbr-222	151	5	coefficients	coefficient	NOUN
asfbr-222	151	6	standardized	standardize	VERB
asfbr-222	151	7	coefficients	coefficient	NOUN
asfbr-222	151	8	t	t	PROPN
asfbr-222	151	9	sig	sig	PROPN
asfbr-222	151	10	.	.	PUNCT
asfbr-222	152	1	b	b	X
asfbr-222	152	2	std	std	PROPN
asfbr-222	152	3	.	.	NOUN
asfbr-222	152	4	error	error	NOUN
asfbr-222	152	5	beta	beta	NOUN
asfbr-222	152	6	2	2	NUM
asfbr-222	152	7	(	(	PUNCT
asfbr-222	152	8	constant	constant	ADJ
asfbr-222	152	9	)	)	PUNCT
asfbr-222	152	10	4.026	4.026	NUM
asfbr-222	152	11	.646	.646	NUM
asfbr-222	152	12	6.232	6.232	NUM
asfbr-222	152	13	.002	.002	NUM
asfbr-222	152	14	gross	gross	ADJ
asfbr-222	152	15	npl	npl	PROPN
asfbr-222	152	16	to	to	ADP
asfbr-222	152	17	total	total	ADJ
asfbr-222	152	18	loans	loan	NOUN
asfbr-222	152	19	outstanding	outstanding	ADJ
asfbr-222	152	20	-.135	-.135	NOUN
asfbr-222	152	21	.078	.078	NUM
asfbr-222	152	22	-.396	-.396	NOUN
asfbr-222	152	23	-1.717	-1.717	NUM
asfbr-222	152	24	.147	.147	NUM
asfbr-222	152	25	provision	provision	NOUN
asfbr-222	152	26	maintained	maintain	VERB
asfbr-222	152	27	-.005	-.005	PROPN
asfbr-222	152	28	.001	.001	NUM
asfbr-222	153	1	-.889	-.889	PROPN
asfbr-222	153	2	-3.266	-3.266	PROPN
asfbr-222	153	3	.022	.022	NUM
asfbr-222	153	4	surplus/(shortfall	surplus/(shortfall	NOUN
asfbr-222	153	5	)	)	PUNCT
asfbr-222	153	6	-.005	-.005	NOUN
asfbr-222	153	7	.004	.004	NUM
asfbr-222	154	1	-.363	-.363	NOUN
asfbr-222	154	2	-1.294	-1.294	PUNCT
asfbr-222	154	3	.252	.252	NUM
asfbr-222	154	4	a.	a.	NOUN
asfbr-222	154	5	dependent	dependent	ADJ
asfbr-222	154	6	variable	variable	NOUN
asfbr-222	154	7	:	:	PUNCT
asfbr-222	154	8	netinterest	netinter	ADJ
asfbr-222	154	9	income	income	NOUN
asfbr-222	154	10	to	to	ADP
asfbr-222	154	11	total	total	ADJ
asfbr-222	154	12	assets	asset	NOUN
asfbr-222	154	13	source	source	NOUN
asfbr-222	154	14	:	:	PUNCT
asfbr-222	154	15	author	author	NOUN
asfbr-222	154	16	’s	’s	PART
asfbr-222	154	17	analysis	analysis	NOUN
asfbr-222	154	18	using	use	VERB
asfbr-222	154	19	spss	spss	PROPN
asfbr-222	154	20	v16.0	v16.0	PROPN
asfbr-222	154	21	.	.	PUNCT
asfbr-222	155	1	in	in	ADP
asfbr-222	155	2	this	this	DET
asfbr-222	155	3	model-2	model-2	PROPN
asfbr-222	155	4	,	,	PUNCT
asfbr-222	155	5	based	base	VERB
asfbr-222	155	6	on	on	ADP
asfbr-222	155	7	the	the	DET
asfbr-222	155	8	value	value	NOUN
asfbr-222	155	9	of	of	ADP
asfbr-222	155	10	coefficients	coefficient	NOUN
asfbr-222	155	11	,	,	PUNCT
asfbr-222	155	12	the	the	DET
asfbr-222	155	13	first	first	ADJ
asfbr-222	155	14	two	two	NUM
asfbr-222	155	15	variables	variable	NOUN
asfbr-222	155	16	showed	show	VERB
asfbr-222	155	17	the	the	DET
asfbr-222	155	18	negative	negative	ADJ
asfbr-222	155	19	relationship	relationship	NOUN
asfbr-222	155	20	with	with	ADP
asfbr-222	155	21	the	the	DET
asfbr-222	155	22	dependent	dependent	ADJ
asfbr-222	155	23	variable	variable	NOUN
asfbr-222	155	24	again	again	ADV
asfbr-222	155	25	.	.	PUNCT
asfbr-222	156	1	among	among	ADP
asfbr-222	156	2	the	the	DET
asfbr-222	156	3	three	three	NUM
asfbr-222	156	4	independent	independent	ADJ
asfbr-222	156	5	variables	variable	NOUN
asfbr-222	156	6	,	,	PUNCT
asfbr-222	156	7	only	only	ADV
asfbr-222	156	8	loan	loan	NOUN
asfbr-222	156	9	loss	loss	NOUN
asfbr-222	156	10	provision	provision	NOUN
asfbr-222	156	11	maintained	maintain	VERB
asfbr-222	156	12	(	(	PUNCT
asfbr-222	156	13	llpm	llpm	NOUN
asfbr-222	156	14	)	)	PUNCT
asfbr-222	156	15	found	find	VERB
asfbr-222	156	16	statistically	statistically	ADV
asfbr-222	156	17	significant	significant	ADJ
asfbr-222	156	18	which	which	PRON
asfbr-222	156	19	is	be	AUX
asfbr-222	156	20	the	the	DET
asfbr-222	156	21	same	same	ADJ
asfbr-222	156	22	as	as	ADP
asfbr-222	156	23	model-1	model-1	NUM
asfbr-222	156	24	.	.	PUNCT
asfbr-222	156	25	neita=	neita=	NUM
asfbr-222	156	26	4.026	4.026	NUM
asfbr-222	157	1	+	+	CCONJ
asfbr-222	157	2	(	(	PUNCT
asfbr-222	157	3	−0.135	−0.135	NOUN
asfbr-222	157	4	)	)	PUNCT
asfbr-222	157	5	∗	∗	NOUN
asfbr-222	157	6	𝑵𝑷𝑳𝑻𝑳	𝑵𝑷𝑳𝑻𝑳	PROPN
asfbr-222	158	1	+	+	CCONJ
asfbr-222	158	2	(	(	PUNCT
asfbr-222	158	3	−0.005	−0.005	PROPN
asfbr-222	158	4	)	)	PUNCT
asfbr-222	158	5	∗	∗	NOUN
asfbr-222	158	6	𝑳𝑳𝑷𝑴	𝑳𝑳𝑷𝑴	VERB
asfbr-222	158	7	+	+	CCONJ
asfbr-222	158	8	(	(	PUNCT
asfbr-222	158	9	−0.005	−0.005	PROPN
asfbr-222	158	10	)	)	PUNCT
asfbr-222	158	11	∗	∗	NOUN
asfbr-222	158	12	𝑺𝑺𝑹𝑳𝑷	𝑺𝑺𝑹𝑳𝑷	PROPN
asfbr-222	158	13	+	+	CCONJ
asfbr-222	158	14	𝜺	𝜺	PROPN
asfbr-222	158	15	…	…	PUNCT
asfbr-222	158	16	…	…	PUNCT
asfbr-222	158	17	…	…	PUNCT
asfbr-222	158	18	…	…	PUNCT
asfbr-222	158	19	…	…	PUNCT
asfbr-222	158	20	…	…	PUNCT
asfbr-222	158	21	…	…	PUNCT
asfbr-222	158	22	…	…	PUNCT
asfbr-222	158	23	…	…	PUNCT
asfbr-222	158	24	…	…	PUNCT
asfbr-222	158	25	.(2	.(2	NUM
asfbr-222	158	26	)	)	PUNCT
asfbr-222	158	27	in	in	ADP
asfbr-222	158	28	both	both	DET
asfbr-222	158	29	regression	regression	NOUN
asfbr-222	158	30	models	model	NOUN
asfbr-222	158	31	,	,	PUNCT
asfbr-222	158	32	the	the	DET
asfbr-222	158	33	association	association	NOUN
asfbr-222	158	34	of	of	ADP
asfbr-222	158	35	independent	independent	ADJ
asfbr-222	158	36	variables	variable	NOUN
asfbr-222	158	37	with	with	ADP
asfbr-222	158	38	the	the	DET
asfbr-222	158	39	dependent	dependent	ADJ
asfbr-222	158	40	variable	variable	NOUN
asfbr-222	158	41	has	have	AUX
asfbr-222	158	42	shown	show	VERB
asfbr-222	158	43	statistical	statistical	ADJ
asfbr-222	158	44	significance	significance	NOUN
asfbr-222	158	45	.	.	PUNCT
asfbr-222	159	1	among	among	ADP
asfbr-222	159	2	the	the	DET
asfbr-222	159	3	independent	independent	ADJ
asfbr-222	159	4	variables	variable	NOUN
asfbr-222	159	5	,	,	PUNCT
asfbr-222	159	6	loan	loan	NOUN
asfbr-222	159	7	loss	loss	NOUN
asfbr-222	159	8	provision	provision	NOUN
asfbr-222	159	9	maintained	maintain	VERB
asfbr-222	159	10	(	(	PUNCT
asfbr-222	159	11	llpm	llpm	NOUN
asfbr-222	159	12	)	)	PUNCT
asfbr-222	159	13	found	find	VERB
asfbr-222	159	14	statistically	statistically	ADV
asfbr-222	159	15	significant	significant	ADJ
asfbr-222	159	16	to	to	PART
asfbr-222	159	17	explain	explain	VERB
asfbr-222	159	18	the	the	DET
asfbr-222	159	19	variation	variation	NOUN
asfbr-222	159	20	in	in	ADP
asfbr-222	159	21	non	non	ADJ
asfbr-222	159	22	-	-	ADJ
asfbr-222	159	23	interest	interest	ADJ
asfbr-222	159	24	income	income	NOUN
asfbr-222	159	25	to	to	ADP
asfbr-222	159	26	total	total	ADJ
asfbr-222	159	27	assets	asset	NOUN
asfbr-222	159	28	(	(	PUNCT
asfbr-222	159	29	model-1	model-1	NUM
asfbr-222	159	30	)	)	PUNCT
asfbr-222	159	31	and	and	CCONJ
asfbr-222	159	32	in	in	ADP
asfbr-222	159	33	net	net	ADJ
asfbr-222	159	34	-	-	PUNCT
asfbr-222	159	35	interest	interest	NOUN
asfbr-222	159	36	income	income	NOUN
asfbr-222	159	37	to	to	ADP
asfbr-222	159	38	total	total	ADJ
asfbr-222	159	39	assets	asset	NOUN
asfbr-222	159	40	(	(	PUNCT
asfbr-222	159	41	model-2	model-2	NUM
asfbr-222	159	42	)	)	PUNCT
asfbr-222	159	43	.	.	PUNCT
asfbr-222	160	1	5	5	X
asfbr-222	160	2	.	.	X
asfbr-222	160	3	conclusion	conclusion	VERB
asfbr-222	160	4	the	the	DET
asfbr-222	160	5	evaluation	evaluation	NOUN
asfbr-222	160	6	of	of	ADP
asfbr-222	160	7	the	the	DET
asfbr-222	160	8	research	research	NOUN
asfbr-222	160	9	findings	finding	NOUN
asfbr-222	160	10	showed	show	VERB
asfbr-222	160	11	that	that	SCONJ
asfbr-222	160	12	the	the	DET
asfbr-222	160	13	level	level	NOUN
asfbr-222	160	14	of	of	ADP
asfbr-222	160	15	npls	npls	NOUN
asfbr-222	160	16	was	be	AUX
asfbr-222	160	17	favorable	favorable	ADJ
asfbr-222	160	18	during	during	ADP
asfbr-222	160	19	2008	2008	NUM
asfbr-222	160	20	to	to	ADP
asfbr-222	160	21	2011	2011	NUM
asfbr-222	160	22	,	,	PUNCT
asfbr-222	160	23	and	and	CCONJ
asfbr-222	160	24	from	from	ADP
asfbr-222	160	25	2013	2013	NUM
asfbr-222	160	26	,	,	PUNCT
asfbr-222	160	27	the	the	DET
asfbr-222	160	28	npls	npls	NOUN
asfbr-222	160	29	percentage	percentage	NOUN
asfbr-222	160	30	of	of	ADP
asfbr-222	160	31	total	total	ADJ
asfbr-222	160	32	loans	loan	NOUN
asfbr-222	160	33	has	have	AUX
asfbr-222	160	34	been	be	AUX
asfbr-222	160	35	a	a	DET
asfbr-222	160	36	bit	bit	NOUN
asfbr-222	160	37	stable	stable	ADJ
asfbr-222	160	38	between	between	ADP
asfbr-222	160	39	8	8	NUM
asfbr-222	160	40	to	to	PART
asfbr-222	160	41	10	10	NUM
asfbr-222	160	42	percent	percent	NOUN
asfbr-222	160	43	of	of	ADP
asfbr-222	160	44	the	the	DET
asfbr-222	160	45	total	total	ADJ
asfbr-222	160	46	loans	loan	NOUN
asfbr-222	160	47	outstanding	outstanding	ADJ
asfbr-222	160	48	.	.	PUNCT
asfbr-222	161	1	the	the	DET
asfbr-222	161	2	banks	bank	NOUN
asfbr-222	161	3	could	could	AUX
asfbr-222	161	4	not	not	PART
asfbr-222	161	5	keep	keep	VERB
asfbr-222	161	6	their	their	PRON
asfbr-222	161	7	llps	llp	NOUN
asfbr-222	161	8	in	in	ADP
asfbr-222	161	9	the	the	DET
asfbr-222	161	10	required	require	VERB
asfbr-222	161	11	level	level	NOUN
asfbr-222	161	12	in	in	ADP
asfbr-222	161	13	most	most	ADJ
asfbr-222	161	14	of	of	ADP
asfbr-222	161	15	the	the	DET
asfbr-222	161	16	last	last	ADJ
asfbr-222	161	17	ten	ten	NUM
asfbr-222	161	18	years	year	NOUN
asfbr-222	161	19	.	.	PUNCT
asfbr-222	162	1	in	in	ADP
asfbr-222	162	2	some	some	DET
asfbr-222	162	3	years	year	NOUN
asfbr-222	162	4	,	,	PUNCT
asfbr-222	162	5	the	the	DET
asfbr-222	162	6	difference	difference	NOUN
asfbr-222	162	7	between	between	ADP
asfbr-222	162	8	the	the	DET
asfbr-222	162	9	required	require	VERB
asfbr-222	162	10	llps	llp	NOUN
asfbr-222	162	11	and	and	CCONJ
asfbr-222	162	12	llps	llp	NOUN
asfbr-222	162	13	maintained	maintain	VERB
asfbr-222	162	14	is	be	AUX
asfbr-222	162	15	large	large	ADJ
asfbr-222	162	16	enough	enough	ADV
asfbr-222	162	17	to	to	PART
asfbr-222	162	18	alarm	alarm	VERB
asfbr-222	162	19	for	for	ADP
asfbr-222	162	20	safety	safety	NOUN
asfbr-222	162	21	measures	measure	NOUN
asfbr-222	162	22	.	.	PUNCT
asfbr-222	163	1	the	the	DET
asfbr-222	163	2	measure	measure	NOUN
asfbr-222	163	3	of	of	ADP
asfbr-222	163	4	profitability	profitability	NOUN
asfbr-222	163	5	is	be	AUX
asfbr-222	163	6	giving	give	VERB
asfbr-222	163	7	mixed	mixed	ADJ
asfbr-222	163	8	performance	performance	NOUN
asfbr-222	163	9	level	level	NOUN
asfbr-222	163	10	which	which	PRON
asfbr-222	163	11	meant	mean	VERB
asfbr-222	163	12	the	the	DET
asfbr-222	163	13	assets	asset	NOUN
asfbr-222	163	14	and	and	CCONJ
asfbr-222	163	15	equity	equity	NOUN
asfbr-222	163	16	are	be	AUX
asfbr-222	163	17	not	not	PART
asfbr-222	163	18	good	good	ADJ
asfbr-222	163	19	enough	enough	ADV
asfbr-222	163	20	for	for	ADP
asfbr-222	163	21	the	the	DET
asfbr-222	163	22	high	high	ADJ
asfbr-222	163	23	level	level	NOUN
asfbr-222	163	24	of	of	ADP
asfbr-222	163	25	performance	performance	NOUN
asfbr-222	163	26	,	,	PUNCT
asfbr-222	163	27	but	but	CCONJ
asfbr-222	163	28	the	the	DET
asfbr-222	163	29	other	other	ADJ
asfbr-222	163	30	measures	measure	NOUN
asfbr-222	163	31	have	have	VERB
asfbr-222	163	32	a	a	DET
asfbr-222	163	33	good	good	ADJ
asfbr-222	163	34	indication	indication	NOUN
asfbr-222	163	35	of	of	ADP
asfbr-222	163	36	profitability	profitability	NOUN
asfbr-222	163	37	.	.	PUNCT
asfbr-222	164	1	there	there	PRON
asfbr-222	164	2	are	be	VERB
asfbr-222	164	3	many	many	ADJ
asfbr-222	164	4	issues	issue	NOUN
asfbr-222	164	5	underlies	underlie	VERB
asfbr-222	164	6	for	for	ADP
asfbr-222	164	7	the	the	DET
asfbr-222	164	8	mixed	mixed	ADJ
asfbr-222	164	9	result	result	NOUN
asfbr-222	164	10	of	of	ADP
asfbr-222	164	11	performance	performance	NOUN
asfbr-222	164	12	.	.	PUNCT
asfbr-222	165	1	with	with	ADP
asfbr-222	165	2	taking	take	VERB
asfbr-222	165	3	care	care	NOUN
asfbr-222	165	4	of	of	ADP
asfbr-222	165	5	it	it	PRON
asfbr-222	165	6	,	,	PUNCT
asfbr-222	165	7	the	the	DET
asfbr-222	165	8	relevant	relevant	ADJ
asfbr-222	165	9	authorities	authority	NOUN
asfbr-222	165	10	should	should	AUX
asfbr-222	165	11	try	try	VERB
asfbr-222	165	12	to	to	PART
asfbr-222	165	13	minimize	minimize	VERB
asfbr-222	165	14	it	it	PRON
asfbr-222	165	15	to	to	PART
asfbr-222	165	16	ensure	ensure	VERB
asfbr-222	165	17	better	well	ADJ
asfbr-222	165	18	profitability	profitability	NOUN
asfbr-222	165	19	.	.	PUNCT
asfbr-222	166	1	the	the	DET
asfbr-222	166	2	high	high	ADJ
asfbr-222	166	3	percentage	percentage	NOUN
asfbr-222	166	4	of	of	ADP
asfbr-222	166	5	npls	npls	NOUN
asfbr-222	166	6	caused	cause	VERB
asfbr-222	166	7	high	high	ADJ
asfbr-222	166	8	llps	llp	NOUN
asfbr-222	166	9	and	and	CCONJ
asfbr-222	166	10	it	it	PRON
asfbr-222	166	11	can	can	AUX
asfbr-222	166	12	reduce	reduce	VERB
asfbr-222	166	13	profitability	profitability	NOUN
asfbr-222	166	14	as	as	SCONJ
asfbr-222	166	15	found	find	VERB
asfbr-222	166	16	in	in	ADP
asfbr-222	166	17	the	the	DET
asfbr-222	166	18	study	study	NOUN
asfbr-222	166	19	.	.	PUNCT
asfbr-222	167	1	based	base	VERB
asfbr-222	167	2	on	on	ADP
asfbr-222	167	3	the	the	DET
asfbr-222	167	4	findings	finding	NOUN
asfbr-222	167	5	and	and	CCONJ
asfbr-222	167	6	evaluation	evaluation	NOUN
asfbr-222	167	7	,	,	PUNCT
asfbr-222	167	8	it	it	PRON
asfbr-222	167	9	is	be	AUX
asfbr-222	167	10	found	find	VERB
asfbr-222	167	11	the	the	DET
asfbr-222	167	12	research	research	NOUN
asfbr-222	167	13	could	could	AUX
asfbr-222	167	14	be	be	AUX
asfbr-222	167	15	more	more	ADV
asfbr-222	167	16	in	in	ADP
asfbr-222	167	17	-	-	PUNCT
asfbr-222	167	18	depth	depth	NOUN
asfbr-222	167	19	with	with	ADP
asfbr-222	167	20	adding	add	VERB
asfbr-222	167	21	more	more	ADJ
asfbr-222	167	22	literature	literature	NOUN
asfbr-222	167	23	and	and	CCONJ
asfbr-222	167	24	variables	variable	NOUN
asfbr-222	167	25	.	.	PUNCT
asfbr-222	168	1	so	so	ADV
asfbr-222	168	2	it	it	PRON
asfbr-222	168	3	creates	create	VERB
asfbr-222	168	4	scope	scope	NOUN
asfbr-222	168	5	for	for	ADP
asfbr-222	168	6	further	further	ADJ
asfbr-222	168	7	research	research	NOUN
asfbr-222	168	8	on	on	ADP
asfbr-222	168	9	this	this	DET
asfbr-222	168	10	research	research	NOUN
asfbr-222	168	11	topic	topic	NOUN
asfbr-222	168	12	.	.	PUNCT
asfbr-222	169	1	references	reference	NOUN
asfbr-222	169	2	abdul	abdul	PROPN
asfbr-222	169	3	adzis	adzis	PROPN
asfbr-222	169	4	,	,	PUNCT
asfbr-222	169	5	a.	a.	PROPN
asfbr-222	169	6	,	,	PUNCT
asfbr-222	169	7	abdul	abdul	PROPN
asfbr-222	169	8	adzis	adzis	PROPN
asfbr-222	169	9	,	,	PUNCT
asfbr-222	169	10	a.	a.	NOUN
asfbr-222	169	11	,	,	PUNCT
asfbr-222	169	12	tripe	tripe	NOUN
asfbr-222	169	13	,	,	PUNCT
asfbr-222	169	14	d.	d.	PROPN
asfbr-222	169	15	w.	w.	PROPN
asfbr-222	169	16	,	,	PUNCT
asfbr-222	169	17	tripe	tripe	NOUN
asfbr-222	169	18	,	,	PUNCT
asfbr-222	169	19	d.	d.	PROPN
asfbr-222	169	20	w.	w.	PROPN
asfbr-222	169	21	,	,	PUNCT
asfbr-222	169	22	dunmore	dunmore	PROPN
asfbr-222	169	23	,	,	PUNCT
asfbr-222	169	24	p.	p.	PROPN
asfbr-222	169	25	,	,	PUNCT
asfbr-222	169	26	&	&	CCONJ
asfbr-222	169	27	dunmore	dunmore	PROPN
asfbr-222	169	28	,	,	PUNCT
asfbr-222	169	29	p.	p.	NOUN
asfbr-222	169	30	(	(	PUNCT
asfbr-222	169	31	2016	2016	NUM
asfbr-222	169	32	)	)	PUNCT
asfbr-222	169	33	.	.	PUNCT
asfbr-222	170	1	ias	ias	PROPN
asfbr-222	170	2	39	39	NUM
asfbr-222	170	3	,	,	PUNCT
asfbr-222	170	4	income	income	NOUN
asfbr-222	170	5	smoothing	smoothing	NOUN
asfbr-222	170	6	,	,	PUNCT
asfbr-222	170	7	and	and	CCONJ
asfbr-222	170	8	pro	pro	ADJ
asfbr-222	170	9	-	-	NOUN
asfbr-222	170	10	cyclicality	cyclicality	NOUN
asfbr-222	170	11	:	:	PUNCT
asfbr-222	170	12	evidence	evidence	NOUN
asfbr-222	170	13	from	from	ADP
asfbr-222	170	14	hong	hong	PROPN
asfbr-222	170	15	kong	kong	PROPN
asfbr-222	170	16	banks	bank	NOUN
asfbr-222	170	17	.	.	PUNCT
asfbr-222	171	1	journal	journal	PROPN
asfbr-222	171	2	of	of	ADP
asfbr-222	171	3	financial	financial	ADJ
asfbr-222	171	4	economic	economic	ADJ
asfbr-222	171	5	policy	policy	NOUN
asfbr-222	171	6	,	,	PUNCT
asfbr-222	171	7	8(1	8(1	NOUN
asfbr-222	171	8	)	)	PUNCT
asfbr-222	171	9	,	,	PUNCT
asfbr-222	171	10	pp	pp	PROPN
asfbr-222	171	11	.	.	PUNCT
asfbr-222	172	1	80	80	NUM
asfbr-222	172	2	-	-	SYM
asfbr-222	172	3	94	94	NUM
asfbr-222	172	4	.	.	PUNCT
asfbr-222	173	1	acar	acar	NOUN
asfbr-222	173	2	,	,	PUNCT
asfbr-222	173	3	m.	m.	NOUN
asfbr-222	173	4	&	&	CCONJ
asfbr-222	173	5	ipci	ipci	PROPN
asfbr-222	173	6	,	,	PUNCT
asfbr-222	173	7	m.	m.	NOUN
asfbr-222	173	8	o.	o.	PROPN
asfbr-222	173	9	(	(	PUNCT
asfbr-222	173	10	2015	2015	NUM
asfbr-222	173	11	)	)	PUNCT
asfbr-222	173	12	.	.	PUNCT
asfbr-222	174	1	loan	loan	NOUN
asfbr-222	174	2	loss	loss	NOUN
asfbr-222	174	3	provisions	provision	NOUN
asfbr-222	174	4	and	and	CCONJ
asfbr-222	174	5	income	income	NOUN
asfbr-222	174	6	-	-	PUNCT
asfbr-222	174	7	smoothing	smooth	VERB
asfbr-222	174	8	hypothesis	hypothesis	NOUN
asfbr-222	174	9	:	:	PUNCT
asfbr-222	174	10	experience	experience	NOUN
asfbr-222	174	11	from	from	ADP
asfbr-222	174	12	turkish	turkish	ADJ
asfbr-222	174	13	banking	banking	NOUN
asfbr-222	174	14	sector	sector	NOUN
asfbr-222	174	15	.	.	PUNCT
asfbr-222	175	1	journal	journal	NOUN
asfbr-222	175	2	of	of	ADP
asfbr-222	175	3	accounting	accounting	NOUN
asfbr-222	175	4	,	,	PUNCT
asfbr-222	175	5	5(1	5(1	NUM
asfbr-222	175	6	)	)	PUNCT
asfbr-222	175	7	,	,	PUNCT
asfbr-222	175	8	pp	pp	PROPN
asfbr-222	175	9	.	.	PUNCT
asfbr-222	176	1	118	118	NUM
asfbr-222	176	2	-	-	SYM
asfbr-222	176	3	135	135	NUM
asfbr-222	176	4	.	.	PUNCT
asfbr-222	177	1	www.cribfb.com/journal/index.php/asfbr	www.cribfb.com/journal/index.php/asfbr	PROPN
asfbr-222	177	2	asian	asian	PROPN
asfbr-222	177	3	finance	finance	PROPN
asfbr-222	177	4	&	&	CCONJ
asfbr-222	177	5	banking	banking	PROPN
asfbr-222	177	6	review	review	PROPN
asfbr-222	177	7	vol	vol	NOUN
asfbr-222	177	8	.	.	PROPN
asfbr-222	178	1	2	2	NUM
asfbr-222	178	2	,	,	PUNCT
asfbr-222	178	3	no	no	INTJ
asfbr-222	178	4	.	.	NOUN
asfbr-222	178	5	2	2	NUM
asfbr-222	178	6	;	;	PUNCT
asfbr-222	178	7	2018	2018	NUM
asfbr-222	178	8	41	41	NUM
asfbr-222	178	9	angklomkliew	angklomkliew	NOUN
asfbr-222	178	10	,	,	PUNCT
asfbr-222	178	11	s.	s.	PROPN
asfbr-222	178	12	,	,	PUNCT
asfbr-222	178	13	george	george	PROPN
asfbr-222	178	14	,	,	PUNCT
asfbr-222	178	15	j.	j.	PROPN
asfbr-222	178	16	&	&	CCONJ
asfbr-222	178	17	packer	packer	PROPN
asfbr-222	178	18	,	,	PUNCT
asfbr-222	178	19	f.	f.	PROPN
asfbr-222	178	20	(	(	PUNCT
asfbr-222	178	21	2009	2009	NUM
asfbr-222	178	22	)	)	PUNCT
asfbr-222	178	23	.	.	PUNCT
asfbr-222	179	1	issues	issue	NOUN
asfbr-222	179	2	and	and	CCONJ
asfbr-222	179	3	developments	development	NOUN
asfbr-222	179	4	in	in	ADP
asfbr-222	179	5	loan	loan	NOUN
asfbr-222	179	6	loss	loss	NOUN
asfbr-222	179	7	provisioning	provisioning	NOUN
asfbr-222	179	8	:	:	PUNCT
asfbr-222	179	9	the	the	DET
asfbr-222	179	10	case	case	NOUN
asfbr-222	179	11	of	of	ADP
asfbr-222	179	12	asia	asia	PROPN
asfbr-222	179	13	.	.	PUNCT
asfbr-222	180	1	bis	bis	PROPN
asfbr-222	180	2	quarterly	quarterly	ADJ
asfbr-222	180	3	review	review	NOUN
asfbr-222	180	4	,	,	PUNCT
asfbr-222	180	5	december	december	PROPN
asfbr-222	180	6	2009	2009	NUM
asfbr-222	180	7	,	,	PUNCT
asfbr-222	180	8	p.69	p.69	NOUN
asfbr-222	180	9	-	-	X
asfbr-222	180	10	83	83	NUM
asfbr-222	180	11	.	.	PUNCT
asfbr-222	181	1	bangladesh	bangladesh	PROPN
asfbr-222	181	2	bank	bank	PROPN
asfbr-222	181	3	(	(	PUNCT
asfbr-222	181	4	2018	2018	NUM
asfbr-222	181	5	)	)	PUNCT
asfbr-222	181	6	.	.	PUNCT
asfbr-222	182	1	financial	financial	ADJ
asfbr-222	182	2	stability	stability	NOUN
asfbr-222	182	3	reports	report	VERB
asfbr-222	182	4	2010	2010	NUM
asfbr-222	182	5	-	-	SYM
asfbr-222	182	6	2017	2017	NUM
asfbr-222	182	7	.	.	PUNCT
asfbr-222	183	1	financial	financial	ADJ
asfbr-222	183	2	stability	stability	PROPN
asfbr-222	183	3	department	department	PROPN
asfbr-222	183	4	,	,	PUNCT
asfbr-222	183	5	vol	vol	NOUN
asfbr-222	183	6	.	.	PROPN
asfbr-222	183	7	01	01	NUM
asfbr-222	183	8	-	-	SYM
asfbr-222	183	9	08	08	NUM
asfbr-222	183	10	.	.	PUNCT
asfbr-222	184	1	bryce	bryce	PROPN
asfbr-222	184	2	,	,	PUNCT
asfbr-222	184	3	c.	c.	PROPN
asfbr-222	184	4	,	,	PUNCT
asfbr-222	184	5	dadoukis	dadoukis	PROPN
asfbr-222	184	6	,	,	PUNCT
asfbr-222	184	7	a.	a.	NOUN
asfbr-222	184	8	,	,	PUNCT
asfbr-222	184	9	hall	hall	PROPN
asfbr-222	184	10	,	,	PUNCT
asfbr-222	184	11	m.	m.	NOUN
asfbr-222	184	12	,	,	PUNCT
asfbr-222	184	13	nguyen	nguyen	PROPN
asfbr-222	184	14	,	,	PUNCT
asfbr-222	184	15	l.	l.	PROPN
asfbr-222	184	16	,	,	PUNCT
asfbr-222	184	17	&	&	CCONJ
asfbr-222	184	18	simper	simper	NOUN
asfbr-222	184	19	,	,	PUNCT
asfbr-222	184	20	r.	r.	PROPN
asfbr-222	184	21	(	(	PUNCT
asfbr-222	184	22	2015).an	2015).an	NUM
asfbr-222	184	23	analysis	analysis	NOUN
asfbr-222	184	24	of	of	ADP
asfbr-222	184	25	loan	loan	NOUN
asfbr-222	184	26	loss	loss	NOUN
asfbr-222	184	27	provisioning	provision	VERB
asfbr-222	184	28	behaviour	behaviour	NOUN
asfbr-222	184	29	in	in	ADP
asfbr-222	184	30	vietnamese	vietnamese	ADJ
asfbr-222	184	31	banking.finance	banking.finance	NOUN
asfbr-222	184	32	research	research	NOUN
asfbr-222	184	33	letters	letter	NOUN
asfbr-222	184	34	,	,	PUNCT
asfbr-222	184	35	14	14	NUM
asfbr-222	184	36	,	,	PUNCT
asfbr-222	184	37	pp	pp	ADJ
asfbr-222	184	38	.	.	PUNCT
asfbr-222	185	1	69	69	NUM
asfbr-222	185	2	-	-	SYM
asfbr-222	185	3	75	75	NUM
asfbr-222	185	4	.	.	PUNCT
asfbr-222	185	5	curcio	curcio	PROPN
asfbr-222	185	6	,	,	PUNCT
asfbr-222	185	7	d.	d.	PROPN
asfbr-222	185	8	&	&	CCONJ
asfbr-222	185	9	hasan	hasan	PROPN
asfbr-222	185	10	,	,	PUNCT
asfbr-222	185	11	i.	i.	PROPN
asfbr-222	185	12	(	(	PUNCT
asfbr-222	185	13	2015	2015	NUM
asfbr-222	185	14	)	)	PUNCT
asfbr-222	185	15	.	.	PUNCT
asfbr-222	186	1	earnings	earning	NOUN
asfbr-222	186	2	and	and	CCONJ
asfbr-222	186	3	capital	capital	NOUN
asfbr-222	186	4	management	management	NOUN
asfbr-222	186	5	and	and	CCONJ
asfbr-222	186	6	signaling	signal	VERB
asfbr-222	186	7	:	:	PUNCT
asfbr-222	186	8	the	the	DET
asfbr-222	186	9	use	use	NOUN
asfbr-222	186	10	of	of	ADP
asfbr-222	186	11	loan	loan	NOUN
asfbr-222	186	12	-	-	PUNCT
asfbr-222	186	13	loss	loss	NOUN
asfbr-222	186	14	provisions	provision	NOUN
asfbr-222	186	15	by	by	ADP
asfbr-222	186	16	european	european	ADJ
asfbr-222	186	17	banks	bank	NOUN
asfbr-222	186	18	.	.	PUNCT
asfbr-222	187	1	the	the	DET
asfbr-222	187	2	european	european	PROPN
asfbr-222	187	3	journal	journal	PROPN
asfbr-222	187	4	of	of	ADP
asfbr-222	187	5	finance	finance	NOUN
asfbr-222	187	6	,	,	PUNCT
asfbr-222	187	7	21(1	21(1	NUM
asfbr-222	187	8	)	)	PUNCT
asfbr-222	187	9	,	,	PUNCT
asfbr-222	187	10	pp	pp	PROPN
asfbr-222	187	11	.	.	PUNCT
asfbr-222	188	1	26	26	NUM
asfbr-222	188	2	-	-	SYM
asfbr-222	188	3	50	50	NUM
asfbr-222	188	4	.	.	PUNCT
asfbr-222	188	5	curcio	curcio	PROPN
asfbr-222	188	6	,	,	PUNCT
asfbr-222	188	7	d.	d.	PROPN
asfbr-222	188	8	,	,	PUNCT
asfbr-222	188	9	de	de	PROPN
asfbr-222	188	10	simone	simone	PROPN
asfbr-222	188	11	,	,	PUNCT
asfbr-222	188	12	a.	a.	PROPN
asfbr-222	188	13	,	,	PUNCT
asfbr-222	188	14	&	&	CCONJ
asfbr-222	188	15	gallo	gallo	PROPN
asfbr-222	188	16	,	,	PUNCT
asfbr-222	188	17	a.	a.	NOUN
asfbr-222	188	18	(	(	PUNCT
asfbr-222	188	19	2017	2017	NUM
asfbr-222	188	20	)	)	PUNCT
asfbr-222	188	21	.	.	PUNCT
asfbr-222	189	1	financial	financial	ADJ
asfbr-222	189	2	crisis	crisis	NOUN
asfbr-222	189	3	and	and	CCONJ
asfbr-222	189	4	international	international	ADJ
asfbr-222	189	5	supervision	supervision	NOUN
asfbr-222	189	6	:	:	PUNCT
asfbr-222	189	7	new	new	ADJ
asfbr-222	189	8	evidence	evidence	NOUN
asfbr-222	189	9	on	on	ADP
asfbr-222	189	10	the	the	DET
asfbr-222	189	11	discretionary	discretionary	ADJ
asfbr-222	189	12	use	use	NOUN
asfbr-222	189	13	of	of	ADP
asfbr-222	189	14	loan	loan	NOUN
asfbr-222	189	15	loss	loss	NOUN
asfbr-222	189	16	provisions	provision	NOUN
asfbr-222	189	17	at	at	ADP
asfbr-222	189	18	euro	euro	NOUN
asfbr-222	189	19	area	area	NOUN
asfbr-222	189	20	commercial	commercial	ADJ
asfbr-222	189	21	banks	bank	NOUN
asfbr-222	189	22	.	.	PUNCT
asfbr-222	190	1	the	the	DET
asfbr-222	190	2	british	british	PROPN
asfbr-222	190	3	accounting	accounting	PROPN
asfbr-222	190	4	review	review	PROPN
asfbr-222	190	5	,	,	PUNCT
asfbr-222	190	6	49(2	49(2	NUM
asfbr-222	190	7	)	)	PUNCT
asfbr-222	190	8	,	,	PUNCT
asfbr-222	190	9	pp.181	pp.181	PROPN
asfbr-222	190	10	-	-	PUNCT
asfbr-222	190	11	193	193	NUM
asfbr-222	190	12	.	.	PUNCT
asfbr-222	190	13	curcio	curcio	PROPN
asfbr-222	190	14	,	,	PUNCT
asfbr-222	190	15	d.	d.	PROPN
asfbr-222	190	16	,	,	PUNCT
asfbr-222	190	17	dyer	dyer	PROPN
asfbr-222	190	18	,	,	PUNCT
asfbr-222	190	19	d.	d.	PROPN
asfbr-222	190	20	,	,	PUNCT
asfbr-222	190	21	gallo	gallo	PROPN
asfbr-222	190	22	,	,	PUNCT
asfbr-222	190	23	a.	a.	PROPN
asfbr-222	190	24	,	,	PUNCT
asfbr-222	190	25	&	&	CCONJ
asfbr-222	190	26	gianfrancesco	gianfrancesco	PROPN
asfbr-222	190	27	,	,	PUNCT
asfbr-222	190	28	i.	i.	PROPN
asfbr-222	190	29	(	(	PUNCT
asfbr-222	190	30	2014	2014	NUM
asfbr-222	190	31	)	)	PUNCT
asfbr-222	190	32	.	.	PUNCT
asfbr-222	191	1	determinants	determinant	NOUN
asfbr-222	191	2	of	of	ADP
asfbr-222	191	3	banks	bank	NOUN
asfbr-222	191	4	'	'	PART
asfbr-222	191	5	provisioning	provision	VERB
asfbr-222	191	6	policies	policy	NOUN
asfbr-222	191	7	during	during	ADP
asfbr-222	191	8	the	the	DET
asfbr-222	191	9	crisis	crisis	NOUN
asfbr-222	191	10	:	:	PUNCT
asfbr-222	191	11	evidence	evidence	NOUN
asfbr-222	191	12	from	from	ADP
asfbr-222	191	13	the	the	DET
asfbr-222	191	14	chinese	chinese	ADJ
asfbr-222	191	15	banking	banking	NOUN
asfbr-222	191	16	system	system	NOUN
asfbr-222	191	17	.	.	PUNCT
asfbr-222	192	1	managerial	managerial	ADJ
asfbr-222	192	2	finance	finance	NOUN
asfbr-222	192	3	,	,	PUNCT
asfbr-222	192	4	40	40	NUM
asfbr-222	192	5	,	,	PUNCT
asfbr-222	192	6	pp.987	pp.987	PROPN
asfbr-222	192	7	-	-	PUNCT
asfbr-222	192	8	1006	1006	NUM
asfbr-222	192	9	.	.	PUNCT
asfbr-222	193	1	hoggarth	hoggarth	PROPN
asfbr-222	193	2	,	,	PUNCT
asfbr-222	193	3	g.	g.	PROPN
asfbr-222	193	4	&	&	CCONJ
asfbr-222	193	5	pain	pain	NOUN
asfbr-222	193	6	.	.	PUNCT
asfbr-222	194	1	,	,	PUNCT
asfbr-222	194	2	d.	d.	PROPN
asfbr-222	194	3	(	(	PUNCT
asfbr-222	194	4	2002	2002	NUM
asfbr-222	194	5	)	)	PUNCT
asfbr-222	194	6	.	.	PUNCT
asfbr-222	195	1	bank	bank	NOUN
asfbr-222	195	2	provisioning	provisioning	PROPN
asfbr-222	195	3	:	:	PUNCT
asfbr-222	195	4	the	the	DET
asfbr-222	195	5	uk	uk	PROPN
asfbr-222	195	6	experience	experience	NOUN
asfbr-222	195	7	.	.	PUNCT
asfbr-222	196	1	bank	bank	PROPN
asfbr-222	196	2	of	of	ADP
asfbr-222	196	3	england	england	PROPN
asfbr-222	196	4	financial	financial	PROPN
asfbr-222	196	5	stability	stability	PROPN
asfbr-222	196	6	review	review	NOUN
asfbr-222	196	7	,	,	PUNCT
asfbr-222	196	8	pp	pp	ADP
asfbr-222	196	9	.	.	PUNCT
asfbr-222	197	1	116	116	NUM
asfbr-222	197	2	-	-	SYM
asfbr-222	197	3	127	127	NUM
asfbr-222	197	4	.	.	PUNCT
asfbr-222	198	1	islam	islam	PROPN
asfbr-222	198	2	,	,	PUNCT
asfbr-222	198	3	f.t	f.t	PROPN
asfbr-222	198	4	.	.	PROPN
asfbr-222	198	5	&	&	CCONJ
asfbr-222	198	6	hasan	hasan	PROPN
asfbr-222	198	7	,	,	PUNCT
asfbr-222	198	8	m.k	m.k	PROPN
asfbr-222	198	9	.	.	PUNCT
asfbr-222	198	10	(	(	PUNCT
asfbr-222	198	11	2015	2015	NUM
asfbr-222	198	12	)	)	PUNCT
asfbr-222	198	13	.	.	PUNCT
asfbr-222	199	1	measuring	measure	VERB
asfbr-222	199	2	the	the	DET
asfbr-222	199	3	impact	impact	NOUN
asfbr-222	199	4	of	of	ADP
asfbr-222	199	5	net	net	ADJ
asfbr-222	199	6	liquidity	liquidity	NOUN
asfbr-222	199	7	gap	gap	NOUN
asfbr-222	199	8	on	on	ADP
asfbr-222	199	9	profitability	profitability	NOUN
asfbr-222	199	10	of	of	ADP
asfbr-222	199	11	banks	bank	NOUN
asfbr-222	199	12	:	:	PUNCT
asfbr-222	199	13	a	a	DET
asfbr-222	199	14	study	study	NOUN
asfbr-222	199	15	on	on	ADP
asfbr-222	199	16	some	some	DET
asfbr-222	199	17	selected	select	VERB
asfbr-222	199	18	commercial	commercial	ADJ
asfbr-222	199	19	banks	bank	NOUN
asfbr-222	199	20	in	in	ADP
asfbr-222	199	21	bangladesh	bangladesh	NOUN
asfbr-222	199	22	.	.	PUNCT
asfbr-222	200	1	the	the	DET
asfbr-222	200	2	eastern	eastern	PROPN
asfbr-222	200	3	university	university	PROPN
asfbr-222	200	4	journal	journal	NOUN
asfbr-222	200	5	,	,	PUNCT
asfbr-222	200	6	5(2	5(2	NUM
asfbr-222	200	7	)	)	PUNCT
asfbr-222	200	8	,	,	PUNCT
asfbr-222	200	9	pp	pp	ADP
asfbr-222	200	10	.	.	PUNCT
asfbr-222	201	1	53	53	NUM
asfbr-222	201	2	-	-	SYM
asfbr-222	201	3	67	67	NUM
asfbr-222	201	4	.	.	PUNCT
asfbr-222	202	1	islam	islam	PROPN
asfbr-222	202	2	,	,	PUNCT
asfbr-222	202	3	m.t	m.t	PROPN
asfbr-222	202	4	.	.	PROPN
asfbr-222	202	5	,	,	PUNCT
asfbr-222	202	6	islam	islam	PROPN
asfbr-222	202	7	,	,	PUNCT
asfbr-222	202	8	f.t	f.t	PROPN
asfbr-222	202	9	.	.	PROPN
asfbr-222	202	10	&	&	CCONJ
asfbr-222	202	11	ahmed	ahmed	PROPN
asfbr-222	202	12	,	,	PUNCT
asfbr-222	202	13	a.	a.	NOUN
asfbr-222	202	14	(	(	PUNCT
asfbr-222	202	15	2013	2013	NUM
asfbr-222	202	16	)	)	PUNCT
asfbr-222	202	17	.	.	PUNCT
asfbr-222	203	1	performance	performance	NOUN
asfbr-222	203	2	analysis	analysis	NOUN
asfbr-222	203	3	of	of	ADP
asfbr-222	203	4	selected	select	VERB
asfbr-222	203	5	private	private	ADJ
asfbr-222	203	6	commercial	commercial	ADJ
asfbr-222	203	7	banks	bank	NOUN
asfbr-222	203	8	in	in	ADP
asfbr-222	203	9	bangladesh	bangladesh	PROPN
asfbr-222	203	10	.	.	PUNCT
asfbr-222	204	1	jahangirnagar	jahangirnagar	PROPN
asfbr-222	204	2	journal	journal	PROPN
asfbr-222	204	3	of	of	ADP
asfbr-222	204	4	finance	finance	NOUN
asfbr-222	204	5	and	and	CCONJ
asfbr-222	204	6	banking	banking	NOUN
asfbr-222	204	7	,	,	PUNCT
asfbr-222	204	8	jahangirnagar	jahangirnagar	PROPN
asfbr-222	204	9	university	university	NOUN
asfbr-222	204	10	,	,	PUNCT
asfbr-222	204	11	1(1	1(1	NUM
asfbr-222	204	12	)	)	PUNCT
asfbr-222	204	13	,	,	PUNCT
asfbr-222	204	14	pp	pp	ADJ
asfbr-222	204	15	.	.	PUNCT
asfbr-222	205	1	37	37	NUM
asfbr-222	205	2	-	-	SYM
asfbr-222	205	3	48	48	NUM
asfbr-222	205	4	.	.	PUNCT
asfbr-222	206	1	islam	islam	PROPN
asfbr-222	206	2	,	,	PUNCT
asfbr-222	206	3	s.	s.	PROPN
asfbr-222	206	4	(	(	PUNCT
asfbr-222	206	5	2018).some	2018).some	NUM
asfbr-222	206	6	banks	bank	NOUN
asfbr-222	206	7	failing	fail	VERB
asfbr-222	206	8	in	in	ADP
asfbr-222	206	9	provisioning	provision	VERB
asfbr-222	206	10	against	against	ADP
asfbr-222	206	11	ballooning	ballooning	NOUN
asfbr-222	206	12	bad	bad	ADJ
asfbr-222	206	13	loans.retrieved	loans.retrieve	VERB
asfbr-222	206	14	from	from	ADP
asfbr-222	206	15	https://thefinancialexpress.com.bd/economy/bangladesh/some-banks-failing-in-provisioning-againstballooning-bad-loans[accessed	https://thefinancialexpress.com.bd/economy/bangladesh/some-banks-failing-in-provisioning-againstballooning-bad-loans[accesse	VERB
asfbr-222	206	16	on	on	ADP
asfbr-222	206	17	december	december	PROPN
asfbr-222	206	18	10	10	NUM
asfbr-222	206	19	,	,	PUNCT
asfbr-222	206	20	2018	2018	NUM
asfbr-222	206	21	]	]	PUNCT
asfbr-222	206	22	leventis	leventis	PROPN
asfbr-222	206	23	,	,	PUNCT
asfbr-222	206	24	s.	s.	PROPN
asfbr-222	206	25	,	,	PUNCT
asfbr-222	206	26	dimitropoulos	dimitropoulos	PROPN
asfbr-222	206	27	,	,	PUNCT
asfbr-222	206	28	p.	p.	PROPN
asfbr-222	206	29	e.	e.	PROPN
asfbr-222	206	30	,	,	PUNCT
asfbr-222	206	31	&	&	CCONJ
asfbr-222	206	32	anandarajan	anandarajan	PROPN
asfbr-222	206	33	,	,	PUNCT
asfbr-222	206	34	a.	a.	NOUN
asfbr-222	206	35	(	(	PUNCT
asfbr-222	206	36	2011	2011	NUM
asfbr-222	206	37	)	)	PUNCT
asfbr-222	206	38	.	.	PUNCT
asfbr-222	207	1	loan	loan	NOUN
asfbr-222	207	2	loss	loss	NOUN
asfbr-222	207	3	provisions	provision	NOUN
asfbr-222	207	4	,	,	PUNCT
asfbr-222	207	5	earnings	earning	NOUN
asfbr-222	207	6	management	management	NOUN
asfbr-222	207	7	and	and	CCONJ
asfbr-222	207	8	capital	capital	NOUN
asfbr-222	207	9	management	management	NOUN
asfbr-222	207	10	under	under	ADP
asfbr-222	207	11	ifrs	ifrs	PROPN
asfbr-222	207	12	:	:	PUNCT
asfbr-222	207	13	the	the	DET
asfbr-222	207	14	case	case	NOUN
asfbr-222	207	15	of	of	ADP
asfbr-222	207	16	eu	eu	PROPN
asfbr-222	207	17	commercial	commercial	ADJ
asfbr-222	207	18	banks	bank	NOUN
asfbr-222	207	19	.	.	PUNCT
asfbr-222	208	1	journal	journal	PROPN
asfbr-222	208	2	of	of	ADP
asfbr-222	208	3	financial	financial	ADJ
asfbr-222	208	4	services	service	NOUN
asfbr-222	208	5	research	research	NOUN
asfbr-222	208	6	,	,	PUNCT
asfbr-222	208	7	40(1	40(1	NUM
asfbr-222	208	8	-	-	SYM
asfbr-222	208	9	2	2	NUM
asfbr-222	208	10	)	)	PUNCT
asfbr-222	208	11	,	,	PUNCT
asfbr-222	208	12	pp	pp	ADP
asfbr-222	208	13	.	.	PUNCT
asfbr-222	209	1	103	103	NUM
asfbr-222	209	2	-	-	SYM
asfbr-222	209	3	122	122	NUM
asfbr-222	209	4	.	.	PUNCT
asfbr-222	209	5	monokroussos	monokroussos	PROPN
asfbr-222	209	6	,	,	PUNCT
asfbr-222	209	7	p.	p.	PROPN
asfbr-222	209	8	,	,	PUNCT
asfbr-222	209	9	thomakos	thomakos	PROPN
asfbr-222	209	10	,	,	PUNCT
asfbr-222	209	11	d.	d.	PROPN
asfbr-222	209	12	d.	d.	PROPN
asfbr-222	209	13	&	&	CCONJ
asfbr-222	209	14	alexopoulos	alexopoulos	PROPN
asfbr-222	209	15	,	,	PUNCT
asfbr-222	209	16	t.	t.	NOUN
asfbr-222	209	17	a.	a.	NOUN
asfbr-222	209	18	(	(	PUNCT
asfbr-222	209	19	2016	2016	NUM
asfbr-222	209	20	)	)	PUNCT
asfbr-222	209	21	.	.	PUNCT
asfbr-222	210	1	the	the	DET
asfbr-222	210	2	determinants	determinant	NOUN
asfbr-222	210	3	of	of	ADP
asfbr-222	210	4	loan	loan	NOUN
asfbr-222	210	5	loss	loss	NOUN
asfbr-222	210	6	provisions	provision	NOUN
asfbr-222	210	7	:	:	PUNCT
asfbr-222	210	8	an	an	DET
asfbr-222	210	9	analysis	analysis	NOUN
asfbr-222	210	10	of	of	ADP
asfbr-222	210	11	the	the	DET
asfbr-222	210	12	greek	greek	ADJ
asfbr-222	210	13	banking	banking	NOUN
asfbr-222	210	14	system	system	NOUN
asfbr-222	210	15	in	in	ADP
asfbr-222	210	16	light	light	NOUN
asfbr-222	210	17	of	of	ADP
asfbr-222	210	18	the	the	DET
asfbr-222	210	19	sovereign	sovereign	ADJ
asfbr-222	210	20	debt	debt	NOUN
asfbr-222	210	21	crisis	crisis	NOUN
asfbr-222	210	22	.	.	PUNCT
asfbr-222	211	1	hellenic	hellenic	ADJ
asfbr-222	211	2	observatory	observatory	ADJ
asfbr-222	211	3	papers	paper	NOUN
asfbr-222	211	4	on	on	ADP
asfbr-222	211	5	greece	greece	PROPN
asfbr-222	211	6	and	and	CCONJ
asfbr-222	211	7	southeast	southeast	PROPN
asfbr-222	211	8	europe	europe	PROPN
asfbr-222	211	9	greese	greese	PROPN
asfbr-222	211	10	paper	paper	PROPN
asfbr-222	211	11	no.104	no.104	PROPN
asfbr-222	211	12	.	.	PUNCT
asfbr-222	212	1	norden	norden	PROPN
asfbr-222	212	2	,	,	PUNCT
asfbr-222	212	3	l.	l.	PROPN
asfbr-222	212	4	,	,	PUNCT
asfbr-222	212	5	&	&	CCONJ
asfbr-222	212	6	stoian	stoian	PROPN
asfbr-222	212	7	,	,	PUNCT
asfbr-222	212	8	a.	a.	NOUN
asfbr-222	212	9	(	(	PUNCT
asfbr-222	212	10	2013	2013	NUM
asfbr-222	212	11	)	)	PUNCT
asfbr-222	212	12	.	.	PUNCT
asfbr-222	213	1	bank	bank	NOUN
asfbr-222	213	2	earnings	earning	NOUN
asfbr-222	213	3	management	management	NOUN
asfbr-222	213	4	through	through	ADP
asfbr-222	213	5	loan	loan	NOUN
asfbr-222	213	6	loss	loss	NOUN
asfbr-222	213	7	provisions	provision	NOUN
asfbr-222	213	8	:	:	PUNCT
asfbr-222	213	9	a	a	DET
asfbr-222	213	10	double	double	ADJ
asfbr-222	213	11	-	-	PUNCT
asfbr-222	213	12	edged	edge	VERB
asfbr-222	213	13	sword	sword	NOUN
asfbr-222	213	14	?	?	PUNCT
asfbr-222	214	1	dnb	dnb	PROPN
asfbr-222	214	2	working	working	PROPN
asfbr-222	214	3	paper	paper	NOUN
asfbr-222	214	4	,	,	PUNCT
asfbr-222	214	5	no	no	INTJ
asfbr-222	214	6	.	.	PUNCT
asfbr-222	215	1	404	404	NUM
asfbr-222	215	2	.	.	PUNCT
asfbr-222	216	1	ozili	ozili	NOUN
asfbr-222	216	2	,	,	PUNCT
asfbr-222	216	3	p.k	p.k	PROPN
asfbr-222	216	4	.	.	PROPN
asfbr-222	216	5	&	&	CCONJ
asfbr-222	216	6	outa	outa	INTJ
asfbr-222	216	7	,	,	PUNCT
asfbr-222	216	8	e.	e.	PROPN
asfbr-222	216	9	(	(	PUNCT
asfbr-222	216	10	2017	2017	NUM
asfbr-222	216	11	)	)	PUNCT
asfbr-222	216	12	.	.	PUNCT
asfbr-222	217	1	bank	bank	NOUN
asfbr-222	217	2	loan	loan	NOUN
asfbr-222	217	3	loss	loss	NOUN
asfbr-222	217	4	provisions	provision	NOUN
asfbr-222	217	5	research	research	NOUN
asfbr-222	217	6	:	:	PUNCT
asfbr-222	217	7	a	a	DET
asfbr-222	217	8	review	review	NOUN
asfbr-222	217	9	.	.	PUNCT
asfbr-222	218	1	borsa	borsa	PROPN
asfbr-222	218	2	istanbul	istanbul	PROPN
asfbr-222	218	3	review	review	PROPN
asfbr-222	218	4	17(3	17(3	NUM
asfbr-222	218	5	)	)	PUNCT
asfbr-222	218	6	,	,	PUNCT
asfbr-222	218	7	pp.144	pp.144	PROPN
asfbr-222	218	8	-163	-163	PROPN
asfbr-222	218	9	.	.	PROPN
asfbr-222	218	10	ozili	ozili	PROPN
asfbr-222	218	11	,	,	PUNCT
asfbr-222	218	12	p.	p.	NOUN
asfbr-222	218	13	k.(2015	k.(2015	PROPN
asfbr-222	218	14	)	)	PUNCT
asfbr-222	218	15	.	.	PUNCT
asfbr-222	219	1	loan	loan	NOUN
asfbr-222	219	2	loss	loss	NOUN
asfbr-222	219	3	provisioning	provisioning	NOUN
asfbr-222	219	4	,	,	PUNCT
asfbr-222	219	5	income	income	NOUN
asfbr-222	219	6	smoothing	smoothing	NOUN
asfbr-222	219	7	,	,	PUNCT
asfbr-222	219	8	signalling	signal	VERB
asfbr-222	219	9	,	,	PUNCT
asfbr-222	219	10	capital	capital	NOUN
asfbr-222	219	11	management	management	NOUN
asfbr-222	219	12	and	and	CCONJ
asfbr-222	219	13	procyclicality	procyclicality	NOUN
asfbr-222	219	14	:	:	PUNCT
asfbr-222	219	15	does	do	VERB
asfbr-222	219	16	ifrs	ifrs	NOUN
asfbr-222	219	17	matter	matter	NOUN
asfbr-222	219	18	?	?	PUNCT
asfbr-222	220	1	empirical	empirical	ADJ
asfbr-222	220	2	evidence	evidence	NOUN
asfbr-222	220	3	from	from	ADP
asfbr-222	220	4	nigeria	nigeria	PROPN
asfbr-222	220	5	.	.	PUNCT
asfbr-222	221	1	mediterranean	mediterranean	PROPN
asfbr-222	221	2	journal	journal	PROPN
asfbr-222	221	3	of	of	ADP
asfbr-222	221	4	social	social	ADJ
asfbr-222	221	5	science	science	NOUN
asfbr-222	221	6	,	,	PUNCT
asfbr-222	221	7	6(2	6(2	NUM
asfbr-222	221	8	)	)	PUNCT
asfbr-222	221	9	,	,	PUNCT
asfbr-222	221	10	pp	pp	ADP
asfbr-222	221	11	.	.	PUNCT
asfbr-222	222	1	224	224	NUM
asfbr-222	222	2	-	-	SYM
asfbr-222	222	3	232	232	NUM
asfbr-222	222	4	.	.	PUNCT
asfbr-222	222	5	packer	packer	PROPN
asfbr-222	222	6	,	,	PUNCT
asfbr-222	222	7	f.	f.	PROPN
asfbr-222	222	8	,	,	PUNCT
asfbr-222	222	9	&	&	CCONJ
asfbr-222	222	10	zhu	zhu	PROPN
asfbr-222	222	11	,	,	PUNCT
asfbr-222	222	12	h.	h.	PROPN
asfbr-222	222	13	(	(	PUNCT
asfbr-222	222	14	2012).loan	2012).loan	NUM
asfbr-222	222	15	loss	loss	NOUN
asfbr-222	222	16	provisioning	provision	VERB
asfbr-222	222	17	practices	practice	NOUN
asfbr-222	222	18	of	of	ADP
asfbr-222	222	19	asian	asian	ADJ
asfbr-222	222	20	banks	bank	NOUN
asfbr-222	222	21	.	.	PUNCT
asfbr-222	223	1	bis	bis	PROPN
asfbr-222	223	2	working	working	PROPN
asfbr-222	223	3	paper	paper	NOUN
asfbr-222	223	4	,	,	PUNCT
asfbr-222	223	5	no	no	DET
asfbr-222	223	6	375	375	NUM
asfbr-222	223	7	.	.	PUNCT
asfbr-222	224	1	perez	perez	PROPN
asfbr-222	224	2	,	,	PUNCT
asfbr-222	224	3	d.	d.	PROPN
asfbr-222	224	4	,	,	PUNCT
asfbr-222	224	5	salas	salas	NOUN
asfbr-222	224	6	-	-	PUNCT
asfbr-222	224	7	fumas	fumas	PROPN
asfbr-222	224	8	,	,	PUNCT
asfbr-222	224	9	v.	v.	PROPN
asfbr-222	224	10	,	,	PUNCT
asfbr-222	224	11	&	&	CCONJ
asfbr-222	224	12	saurina	saurina	PROPN
asfbr-222	224	13	,	,	PUNCT
asfbr-222	224	14	j.	j.	PROPN
asfbr-222	224	15	(	(	PUNCT
asfbr-222	224	16	2008	2008	NUM
asfbr-222	224	17	)	)	PUNCT
asfbr-222	224	18	.	.	PUNCT
asfbr-222	225	1	earnings	earning	NOUN
asfbr-222	225	2	and	and	CCONJ
asfbr-222	225	3	capital	capital	NOUN
asfbr-222	225	4	management	management	NOUN
asfbr-222	225	5	in	in	ADP
asfbr-222	225	6	alternative	alternative	ADJ
asfbr-222	225	7	loan	loan	NOUN
asfbr-222	225	8	loss	loss	NOUN
asfbr-222	225	9	provision	provision	NOUN
asfbr-222	225	10	regulatory	regulatory	ADJ
asfbr-222	225	11	regimes	regime	NOUN
asfbr-222	225	12	.	.	PUNCT
asfbr-222	226	1	european	european	ADJ
asfbr-222	226	2	accounting	accounting	PROPN
asfbr-222	226	3	review	review	PROPN
asfbr-222	226	4	,	,	PUNCT
asfbr-222	226	5	17(3	17(3	NUM
asfbr-222	226	6	)	)	PUNCT
asfbr-222	226	7	,	,	PUNCT
asfbr-222	226	8	pp	pp	PROPN
asfbr-222	226	9	.	.	PUNCT
asfbr-222	227	1	423	423	NUM
asfbr-222	227	2	-	-	SYM
asfbr-222	227	3	445	445	NUM
asfbr-222	227	4	.	.	PUNCT
asfbr-222	228	1	radivojevic	radivojevic	ADJ
asfbr-222	228	2	,	,	PUNCT
asfbr-222	228	3	n.	n.	PROPN
asfbr-222	228	4	&	&	CCONJ
asfbr-222	228	5	jovovic	jovovic	PROPN
asfbr-222	228	6	,	,	PUNCT
asfbr-222	228	7	j.	j.	PROPN
asfbr-222	228	8	(	(	PUNCT
asfbr-222	228	9	2017	2017	NUM
asfbr-222	228	10	)	)	PUNCT
asfbr-222	228	11	.	.	PUNCT
asfbr-222	229	1	examining	examine	VERB
asfbr-222	229	2	of	of	ADP
asfbr-222	229	3	determinants	determinant	NOUN
asfbr-222	229	4	of	of	ADP
asfbr-222	229	5	non	non	ADJ
asfbr-222	229	6	-	-	ADJ
asfbr-222	229	7	performing	perform	VERB
asfbr-222	229	8	loans	loan	NOUN
asfbr-222	229	9	.	.	PUNCT
asfbr-222	230	1	prague	prague	NOUN
asfbr-222	230	2	economic	economic	ADJ
asfbr-222	230	3	papers	paper	NOUN
asfbr-222	230	4	.	.	PUNCT
asfbr-222	231	1	26(3	26(3	NUM
asfbr-222	231	2	)	)	PUNCT
asfbr-222	232	1	,	,	PUNCT
asfbr-222	232	2	pp.300–316	pp.300–316	PROPN
asfbr-222	232	3	,	,	PUNCT
asfbr-222	232	4	https://doi.org/10.18267/j.pep.615	https://doi.org/10.18267/j.pep.615	PROPN
asfbr-222	232	5	rahman	rahman	PROPN
asfbr-222	232	6	,	,	PUNCT
asfbr-222	232	7	a.	a.	NOUN
asfbr-222	232	8	(	(	PUNCT
asfbr-222	232	9	2013	2013	NUM
asfbr-222	232	10	)	)	PUNCT
asfbr-222	232	11	.	.	PUNCT
asfbr-222	233	1	loan	loan	NOUN
asfbr-222	233	2	loss	loss	NOUN
asfbr-222	233	3	provisions	provision	NOUN
asfbr-222	233	4	:	:	PUNCT
asfbr-222	233	5	purpose	purpose	NOUN
asfbr-222	233	6	,	,	PUNCT
asfbr-222	233	7	desirability	desirability	NOUN
asfbr-222	233	8	and	and	CCONJ
asfbr-222	233	9	necessity	necessity	NOUN
asfbr-222	233	10	.	.	PUNCT
asfbr-222	234	1	retrieved	retrieve	VERB
asfbr-222	234	2	from	from	ADP
asfbr-222	234	3	http://businessnews24bd.com/loan-loss-provisions-purpose-desirability-and-necessity/	http://businessnews24bd.com/loan-loss-provisions-purpose-desirability-and-necessity/	NOUN
asfbr-222	234	4	[	[	X
asfbr-222	234	5	accessed	access	VERB
asfbr-222	234	6	on	on	ADP
asfbr-222	234	7	december	december	PROPN
asfbr-222	234	8	10	10	NUM
asfbr-222	234	9	,	,	PUNCT
asfbr-222	234	10	2018	2018	NUM
asfbr-222	234	11	]	]	PUNCT
asfbr-222	235	1	taktak	taktak	PROPN
asfbr-222	235	2	,	,	PUNCT
asfbr-222	235	3	n.	n.	PROPN
asfbr-222	235	4	b.	b.	PROPN
asfbr-222	235	5	,	,	PUNCT
asfbr-222	235	6	zouari	zouari	PROPN
asfbr-222	235	7	,	,	PUNCT
asfbr-222	235	8	s.	s.	PROPN
asfbr-222	235	9	b.	b.	PROPN
asfbr-222	235	10	s.	s.	PROPN
asfbr-222	235	11	,	,	PUNCT
asfbr-222	235	12	&	&	CCONJ
asfbr-222	235	13	boudriga	boudriga	NOUN
asfbr-222	235	14	,	,	PUNCT
asfbr-222	235	15	a.	a.	NOUN
asfbr-222	235	16	(	(	PUNCT
asfbr-222	235	17	2010	2010	NUM
asfbr-222	235	18	)	)	PUNCT
asfbr-222	235	19	.	.	PUNCT
asfbr-222	236	1	do	do	AUX
asfbr-222	236	2	islamic	islamic	ADJ
asfbr-222	236	3	banks	bank	NOUN
asfbr-222	236	4	use	use	VERB
asfbr-222	236	5	loan	loan	NOUN
asfbr-222	236	6	loss	loss	NOUN
asfbr-222	236	7	provisions	provision	NOUN
asfbr-222	236	8	to	to	PART
asfbr-222	236	9	smooth	smooth	VERB
asfbr-222	236	10	their	their	PRON
asfbr-222	236	11	results	result	NOUN
asfbr-222	236	12	?	?	PUNCT
asfbr-222	237	1	journal	journal	NOUN
asfbr-222	237	2	of	of	ADP
asfbr-222	237	3	islamic	islamic	PROPN
asfbr-222	237	4	accounting	accounting	PROPN
asfbr-222	237	5	and	and	CCONJ
asfbr-222	237	6	business	business	NOUN
asfbr-222	237	7	research	research	NOUN
asfbr-222	237	8	,	,	PUNCT
asfbr-222	237	9	1(2	1(2	NUM
asfbr-222	237	10	)	)	PUNCT
asfbr-222	237	11	,	,	PUNCT
asfbr-222	237	12	pp	pp	PROPN
asfbr-222	237	13	.	.	PUNCT
asfbr-222	238	1	114	114	NUM
asfbr-222	238	2	-	-	SYM
asfbr-222	238	3	127	127	NUM
asfbr-222	238	4	.	.	PUNCT
asfbr-222	238	5	tuhin	tuhin	PROPN
asfbr-222	238	6	,	,	PUNCT
asfbr-222	238	7	a.	a.	PROPN
asfbr-222	238	8	k.	k.	PROPN
asfbr-222	238	9	(	(	PUNCT
asfbr-222	238	10	2018	2018	NUM
asfbr-222	238	11	)	)	PUNCT
asfbr-222	238	12	of	of	ADP
asfbr-222	238	13	bad	bad	ADJ
asfbr-222	238	14	loans	loan	NOUN
asfbr-222	238	15	and	and	CCONJ
asfbr-222	238	16	bad	bad	ADJ
asfbr-222	238	17	reporting	reporting	NOUN
asfbr-222	238	18	.	.	PUNCT
asfbr-222	239	1	retrieved	retrieve	VERB
asfbr-222	239	2	from	from	ADP
asfbr-222	239	3	www.dailysun.com/post/292720/2018/03/03/of-bad-loans-and-bad-reporting	www.dailysun.com/post/292720/2018/03/03/of-bad-loans-and-bad-reporte	VERB
asfbr-222	239	4	[	[	PUNCT
asfbr-222	239	5	accessed	access	VERB
asfbr-222	239	6	on	on	ADP
asfbr-222	239	7	december	december	PROPN
asfbr-222	239	8	10	10	NUM
asfbr-222	239	9	,	,	PUNCT
asfbr-222	239	10	2018	2018	NUM
asfbr-222	239	11	]	]	PUNCT
asfbr-222	239	12	copyrights	copyright	VERB
asfbr-222	239	13	copyright	copyright	NOUN
asfbr-222	239	14	for	for	ADP
asfbr-222	239	15	this	this	DET
asfbr-222	239	16	article	article	NOUN
asfbr-222	239	17	is	be	AUX
asfbr-222	239	18	retained	retain	VERB
asfbr-222	239	19	by	by	ADP
asfbr-222	239	20	the	the	DET
asfbr-222	239	21	author(s	author(s	PROPN
asfbr-222	239	22	)	)	PUNCT
asfbr-222	239	23	,	,	PUNCT
asfbr-222	239	24	with	with	ADP
asfbr-222	239	25	first	first	ADJ
asfbr-222	239	26	publication	publication	NOUN
asfbr-222	239	27	rights	right	NOUN
asfbr-222	239	28	granted	grant	VERB
asfbr-222	239	29	to	to	ADP
asfbr-222	239	30	the	the	DET
asfbr-222	239	31	journal	journal	NOUN
asfbr-222	239	32	.	.	PUNCT
asfbr-222	240	1	this	this	PRON
asfbr-222	240	2	is	be	AUX
asfbr-222	240	3	an	an	DET
asfbr-222	240	4	open	open	ADJ
asfbr-222	240	5	-	-	PUNCT
asfbr-222	240	6	access	access	NOUN
asfbr-222	240	7	article	article	NOUN
asfbr-222	240	8	distributed	distribute	VERB
asfbr-222	240	9	under	under	ADP
asfbr-222	240	10	the	the	DET
asfbr-222	240	11	terms	term	NOUN
asfbr-222	240	12	and	and	CCONJ
asfbr-222	240	13	conditions	condition	NOUN
asfbr-222	240	14	of	of	ADP
asfbr-222	240	15	the	the	DET
asfbr-222	240	16	creative	creative	ADJ
asfbr-222	240	17	commons	common	NOUN
asfbr-222	240	18	attribution	attribution	NOUN
asfbr-222	240	19	license	license	NOUN
asfbr-222	240	20	(	(	PUNCT
asfbr-222	240	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
asfbr-222	240	22	)	)	PUNCT
