id	sid	tid	token	lemma	pos
asfbr-2	1	1	contents	content	NOUN
asfbr-2	1	2	asian	asian	ADJ
asfbr-2	1	3	finance	finance	PROPN
asfbr-2	1	4	&	&	CCONJ
asfbr-2	1	5	banking	banking	PROPN
asfbr-2	1	6	review	review	PROPN
asfbr-2	1	7	vol	vol	NOUN
asfbr-2	1	8	.	.	PROPN
asfbr-2	2	1	1	1	NUM
asfbr-2	2	2	,	,	PUNCT
asfbr-2	2	3	no	no	INTJ
asfbr-2	2	4	.	.	NOUN
asfbr-2	2	5	1	1	NUM
asfbr-2	2	6	;	;	PUNCT
asfbr-2	2	7	2017	2017	NUM
asfbr-2	2	8	published	publish	VERB
asfbr-2	2	9	by	by	ADP
asfbr-2	2	10	centre	centre	NOUN
asfbr-2	2	11	for	for	ADP
asfbr-2	2	12	research	research	NOUN
asfbr-2	2	13	on	on	ADP
asfbr-2	2	14	islamic	islamic	ADJ
asfbr-2	2	15	banking	banking	PROPN
asfbr-2	2	16	&	&	CCONJ
asfbr-2	2	17	finance	finance	PROPN
asfbr-2	2	18	and	and	CCONJ
asfbr-2	2	19	business	business	NOUN
asfbr-2	2	20	comparative	comparative	ADJ
asfbr-2	2	21	analysis	analysis	NOUN
asfbr-2	2	22	on	on	ADP
asfbr-2	2	23	the	the	DET
asfbr-2	2	24	sources	source	NOUN
asfbr-2	2	25	of	of	ADP
asfbr-2	2	26	credit	credit	NOUN
asfbr-2	2	27	risk	risk	NOUN
asfbr-2	2	28	in	in	ADP
asfbr-2	2	29	nepalese	nepalese	ADJ
asfbr-2	2	30	commercial	commercial	ADJ
asfbr-2	2	31	banks	bank	NOUN
asfbr-2	3	1	fatta	fatta	PROPN
asfbr-2	3	2	bahadur	bahadur	PROPN
asfbr-2	3	3	k.c	k.c	PROPN
asfbr-2	3	4	and	and	CCONJ
asfbr-2	3	5	indra	indra	PROPN
asfbr-2	3	6	kumar	kumar	PROPN
asfbr-2	3	7	kattel	kattel	PROPN
asfbr-2	3	8	comparative	comparative	ADJ
asfbr-2	3	9	analysis	analysis	NOUN
asfbr-2	3	10	on	on	ADP
asfbr-2	3	11	the	the	DET
asfbr-2	3	12	sources	source	NOUN
asfbr-2	3	13	of	of	ADP
asfbr-2	3	14	credit	credit	NOUN
asfbr-2	3	15	risk	risk	NOUN
asfbr-2	3	16	in	in	ADP
asfbr-2	3	17	nepalese	nepalese	ADJ
asfbr-2	3	18	commercial	commercial	ADJ
asfbr-2	3	19	banks	bank	NOUN
asfbr-2	3	20	fatta	fatta	PROPN
asfbr-2	3	21	bahadur	bahadur	PROPN
asfbr-2	3	22	k.c1	k.c1	PROPN
asfbr-2	3	23	indra	indra	PROPN
asfbr-2	3	24	kumar	kumar	PROPN
asfbr-2	3	25	kattel2	kattel2	PROPN
asfbr-2	3	26	1	1	NUM
asfbr-2	3	27	tribhuvan	tribhuvan	PROPN
asfbr-2	3	28	university	university	NOUN
asfbr-2	3	29	,	,	PUNCT
asfbr-2	3	30	nepal	nepal	PROPN
asfbr-2	3	31	2mewar	2mewar	NUM
asfbr-2	3	32	university	university	NOUN
asfbr-2	3	33	,	,	PUNCT
asfbr-2	3	34	rajasthan	rajasthan	PROPN
asfbr-2	3	35	,	,	PUNCT
asfbr-2	3	36	india	india	PROPN
asfbr-2	3	37	correspondence	correspondence	NOUN
asfbr-2	3	38	:	:	PUNCT
asfbr-2	3	39	indra	indra	PROPN
asfbr-2	3	40	kumar	kumar	PROPN
asfbr-2	3	41	kattel	kattel	PROPN
asfbr-2	3	42	,	,	PUNCT
asfbr-2	3	43	rastriya	rastriya	PROPN
asfbr-2	3	44	banijya	banijya	PROPN
asfbr-2	3	45	bank	bank	PROPN
asfbr-2	3	46	limited	limit	VERB
asfbr-2	3	47	,	,	PUNCT
asfbr-2	3	48	central	central	ADJ
asfbr-2	3	49	office	office	NOUN
asfbr-2	3	50	singhdurbar	singhdurbar	NOUN
asfbr-2	3	51	plaza	plaza	PROPN
asfbr-2	3	52	,	,	PUNCT
asfbr-2	3	53	kathmandu	kathmandu	NOUN
asfbr-2	3	54	,	,	PUNCT
asfbr-2	3	55	44600	44600	NUM
asfbr-2	3	56	,	,	PUNCT
asfbr-2	3	57	nepal	nepal	NOUN
asfbr-2	3	58	,	,	PUNCT
asfbr-2	3	59	email	email	NOUN
asfbr-2	3	60	:	:	PUNCT
asfbr-2	3	61	indra.kattel2024@gmail.com	indra.kattel2024@gmail.com	NUM
asfbr-2	3	62	received	receive	VERB
asfbr-2	3	63	:	:	PUNCT
asfbr-2	3	64	september	september	PROPN
asfbr-2	3	65	24	24	NUM
asfbr-2	3	66	,	,	PUNCT
asfbr-2	3	67	2017	2017	NUM
asfbr-2	3	68	accepted	accept	VERB
asfbr-2	3	69	:	:	PUNCT
asfbr-2	3	70	september	september	PROPN
asfbr-2	3	71	26	26	NUM
asfbr-2	3	72	,	,	PUNCT
asfbr-2	3	73	2017	2017	NUM
asfbr-2	3	74	online	online	ADV
asfbr-2	3	75	published	publish	VERB
asfbr-2	3	76	:	:	PUNCT
asfbr-2	3	77	september	september	PROPN
asfbr-2	3	78	29	29	NUM
asfbr-2	3	79	,	,	PUNCT
asfbr-2	3	80	2017	2017	NUM
asfbr-2	3	81	abstract	abstract	NOUN
asfbr-2	3	82	the	the	DET
asfbr-2	3	83	study	study	NOUN
asfbr-2	3	84	was	be	AUX
asfbr-2	3	85	conducted	conduct	VERB
asfbr-2	3	86	to	to	PART
asfbr-2	3	87	find	find	VERB
asfbr-2	3	88	out	out	ADP
asfbr-2	3	89	the	the	DET
asfbr-2	3	90	significant	significant	ADJ
asfbr-2	3	91	differences	difference	NOUN
asfbr-2	3	92	between	between	ADP
asfbr-2	3	93	state	state	NOUN
asfbr-2	3	94	-	-	PUNCT
asfbr-2	3	95	owned	own	VERB
asfbr-2	3	96	bank	bank	NOUN
asfbr-2	3	97	and	and	CCONJ
asfbr-2	3	98	private	private	ADJ
asfbr-2	3	99	sector	sector	NOUN
asfbr-2	3	100	bank	bank	NOUN
asfbr-2	3	101	in	in	ADP
asfbr-2	3	102	the	the	DET
asfbr-2	3	103	practice	practice	NOUN
asfbr-2	3	104	of	of	ADP
asfbr-2	3	105	measuring	measure	VERB
asfbr-2	3	106	the	the	DET
asfbr-2	3	107	sources	source	NOUN
asfbr-2	3	108	of	of	ADP
asfbr-2	3	109	credit	credit	NOUN
asfbr-2	3	110	risk	risk	NOUN
asfbr-2	3	111	.	.	PUNCT
asfbr-2	4	1	this	this	DET
asfbr-2	4	2	paper	paper	NOUN
asfbr-2	4	3	attempts	attempt	VERB
asfbr-2	4	4	to	to	PART
asfbr-2	4	5	ascertain	ascertain	VERB
asfbr-2	4	6	the	the	DET
asfbr-2	4	7	perceptions	perception	NOUN
asfbr-2	4	8	of	of	ADP
asfbr-2	4	9	nepalese	nepalese	ADJ
asfbr-2	4	10	bankers	banker	NOUN
asfbr-2	4	11	about	about	ADP
asfbr-2	4	12	the	the	DET
asfbr-2	4	13	importance	importance	NOUN
asfbr-2	4	14	of	of	ADP
asfbr-2	4	15	identification	identification	NOUN
asfbr-2	4	16	practice	practice	NOUN
asfbr-2	4	17	of	of	ADP
asfbr-2	4	18	credit	credit	NOUN
asfbr-2	4	19	risk	risk	NOUN
asfbr-2	4	20	sources	source	NOUN
asfbr-2	4	21	within	within	ADP
asfbr-2	4	22	the	the	DET
asfbr-2	4	23	specific	specific	ADJ
asfbr-2	4	24	borrowers	borrower	NOUN
asfbr-2	4	25	.	.	PUNCT
asfbr-2	5	1	the	the	DET
asfbr-2	5	2	result	result	NOUN
asfbr-2	5	3	of	of	ADP
asfbr-2	5	4	the	the	DET
asfbr-2	5	5	study	study	NOUN
asfbr-2	5	6	indicates	indicate	VERB
asfbr-2	5	7	that	that	SCONJ
asfbr-2	5	8	the	the	DET
asfbr-2	5	9	collaterals	collateral	NOUN
asfbr-2	5	10	,	,	PUNCT
asfbr-2	5	11	characters	character	NOUN
asfbr-2	5	12	,	,	PUNCT
asfbr-2	5	13	capacity	capacity	NOUN
asfbr-2	5	14	,	,	PUNCT
asfbr-2	5	15	capital	capital	NOUN
asfbr-2	5	16	,	,	PUNCT
asfbr-2	5	17	condition	condition	NOUN
asfbr-2	5	18	,	,	PUNCT
asfbr-2	5	19	legality	legality	NOUN
asfbr-2	5	20	of	of	ADP
asfbr-2	5	21	the	the	DET
asfbr-2	5	22	business	business	NOUN
asfbr-2	5	23	,	,	PUNCT
asfbr-2	5	24	economy	economy	NOUN
asfbr-2	5	25	of	of	ADP
asfbr-2	5	26	the	the	DET
asfbr-2	5	27	country	country	NOUN
asfbr-2	5	28	,	,	PUNCT
asfbr-2	5	29	business	business	NOUN
asfbr-2	5	30	environment	environment	NOUN
asfbr-2	5	31	and	and	CCONJ
asfbr-2	5	32	industrial	industrial	ADJ
asfbr-2	5	33	relation	relation	NOUN
asfbr-2	5	34	were	be	AUX
asfbr-2	5	35	consider	consider	VERB
asfbr-2	5	36	as	as	ADP
asfbr-2	5	37	a	a	DET
asfbr-2	5	38	sources	source	NOUN
asfbr-2	5	39	of	of	ADP
asfbr-2	5	40	credit	credit	NOUN
asfbr-2	5	41	risk	risk	NOUN
asfbr-2	5	42	in	in	ADP
asfbr-2	5	43	nepalese	nepalese	ADJ
asfbr-2	5	44	banking	banking	NOUN
asfbr-2	5	45	sector	sector	NOUN
asfbr-2	5	46	.	.	PUNCT
asfbr-2	6	1	the	the	DET
asfbr-2	6	2	result	result	NOUN
asfbr-2	6	3	shows	show	VERB
asfbr-2	6	4	that	that	SCONJ
asfbr-2	6	5	level	level	NOUN
asfbr-2	6	6	of	of	ADP
asfbr-2	6	7	the	the	DET
asfbr-2	6	8	credit	credit	NOUN
asfbr-2	6	9	risk	risk	NOUN
asfbr-2	6	10	sources	source	NOUN
asfbr-2	6	11	were	be	AUX
asfbr-2	6	12	disparity	disparity	NOUN
asfbr-2	6	13	the	the	DET
asfbr-2	6	14	nepalese	nepalese	ADJ
asfbr-2	6	15	commercial	commercial	ADJ
asfbr-2	6	16	banks	bank	NOUN
asfbr-2	6	17	.	.	PUNCT
asfbr-2	7	1	in	in	ADP
asfbr-2	7	2	addition	addition	NOUN
asfbr-2	7	3	,	,	PUNCT
asfbr-2	7	4	collaterals	collateral	NOUN
asfbr-2	7	5	provided	provide	VERB
asfbr-2	7	6	as	as	ADP
asfbr-2	7	7	a	a	DET
asfbr-2	7	8	security	security	NOUN
asfbr-2	7	9	by	by	ADP
asfbr-2	7	10	the	the	DET
asfbr-2	7	11	borrower	borrower	NOUN
asfbr-2	7	12	,	,	PUNCT
asfbr-2	7	13	characters	character	NOUN
asfbr-2	7	14	of	of	ADP
asfbr-2	7	15	the	the	DET
asfbr-2	7	16	borrower	borrower	NOUN
asfbr-2	7	17	,	,	PUNCT
asfbr-2	7	18	capacity	capacity	NOUN
asfbr-2	7	19	,	,	PUNCT
asfbr-2	7	20	legality	legality	NOUN
asfbr-2	7	21	of	of	ADP
asfbr-2	7	22	the	the	DET
asfbr-2	7	23	business	business	NOUN
asfbr-2	7	24	,	,	PUNCT
asfbr-2	7	25	economy	economy	NOUN
asfbr-2	7	26	of	of	ADP
asfbr-2	7	27	the	the	DET
asfbr-2	7	28	country	country	NOUN
asfbr-2	7	29	and	and	CCONJ
asfbr-2	7	30	industrial	industrial	ADJ
asfbr-2	7	31	relation	relation	NOUN
asfbr-2	7	32	were	be	AUX
asfbr-2	7	33	found	find	VERB
asfbr-2	7	34	significant	significant	ADJ
asfbr-2	7	35	predictor	predictor	NOUN
asfbr-2	7	36	for	for	ADP
asfbr-2	7	37	the	the	DET
asfbr-2	7	38	sources	source	NOUN
asfbr-2	7	39	of	of	ADP
asfbr-2	7	40	credit	credit	NOUN
asfbr-2	7	41	risk	risk	NOUN
asfbr-2	7	42	.	.	PUNCT
asfbr-2	8	1	moreover	moreover	ADV
asfbr-2	8	2	,	,	PUNCT
asfbr-2	8	3	there	there	PRON
asfbr-2	8	4	was	be	VERB
asfbr-2	8	5	a	a	DET
asfbr-2	8	6	positive	positive	ADJ
asfbr-2	8	7	relationship	relationship	NOUN
asfbr-2	8	8	between	between	ADP
asfbr-2	8	9	identification	identification	NOUN
asfbr-2	8	10	practice	practice	NOUN
asfbr-2	8	11	and	and	CCONJ
asfbr-2	8	12	sources	source	NOUN
asfbr-2	8	13	of	of	ADP
asfbr-2	8	14	credit	credit	NOUN
asfbr-2	8	15	risk	risk	NOUN
asfbr-2	8	16	.	.	PUNCT
asfbr-2	9	1	keywords	keyword	NOUN
asfbr-2	9	2	:	:	PUNCT
asfbr-2	9	3	credit	credit	NOUN
asfbr-2	9	4	,	,	PUNCT
asfbr-2	9	5	risk	risk	NOUN
asfbr-2	9	6	,	,	PUNCT
asfbr-2	9	7	identification	identification	NOUN
asfbr-2	9	8	,	,	PUNCT
asfbr-2	9	9	collaterals	collateral	NOUN
asfbr-2	9	10	,	,	PUNCT
asfbr-2	9	11	characters	character	NOUN
asfbr-2	9	12	,	,	PUNCT
asfbr-2	9	13	capacity	capacity	NOUN
asfbr-2	9	14	,	,	PUNCT
asfbr-2	9	15	capital	capital	NOUN
asfbr-2	9	16	,	,	PUNCT
asfbr-2	9	17	condition	condition	NOUN
asfbr-2	9	18	,	,	PUNCT
asfbr-2	9	19	legality	legality	NOUN
asfbr-2	9	20	,	,	PUNCT
asfbr-2	9	21	economy	economy	NOUN
asfbr-2	9	22	1	1	NUM
asfbr-2	9	23	.	.	PUNCT
asfbr-2	9	24	introduction	introduction	NOUN
asfbr-2	9	25	credit	credit	NOUN
asfbr-2	9	26	risk	risk	NOUN
asfbr-2	9	27	is	be	AUX
asfbr-2	9	28	one	one	NUM
asfbr-2	9	29	of	of	ADP
asfbr-2	9	30	the	the	DET
asfbr-2	9	31	most	most	ADV
asfbr-2	9	32	general	general	ADJ
asfbr-2	9	33	risks	risk	NOUN
asfbr-2	9	34	that	that	PRON
asfbr-2	9	35	exist	exist	VERB
asfbr-2	9	36	in	in	ADP
asfbr-2	9	37	the	the	DET
asfbr-2	9	38	banking	banking	NOUN
asfbr-2	9	39	market	market	NOUN
asfbr-2	9	40	and	and	CCONJ
asfbr-2	9	41	a	a	DET
asfbr-2	9	42	major	major	ADJ
asfbr-2	9	43	risk	risk	NOUN
asfbr-2	9	44	faced	face	VERB
asfbr-2	9	45	by	by	ADP
asfbr-2	9	46	financial	financial	ADJ
asfbr-2	9	47	institutions	institution	NOUN
asfbr-2	9	48	(	(	PUNCT
asfbr-2	9	49	duffie	duffie	PROPN
asfbr-2	9	50	&	&	CCONJ
asfbr-2	9	51	singleton	singleton	PROPN
asfbr-2	9	52	,	,	PUNCT
asfbr-2	9	53	2003	2003	NUM
asfbr-2	9	54	)	)	PUNCT
asfbr-2	9	55	.	.	PUNCT
asfbr-2	10	1	credit	credit	NOUN
asfbr-2	10	2	risk	risk	NOUN
asfbr-2	10	3	normally	normally	ADV
asfbr-2	10	4	refers	refer	VERB
asfbr-2	10	5	to	to	ADP
asfbr-2	10	6	the	the	DET
asfbr-2	10	7	risk	risk	NOUN
asfbr-2	10	8	that	that	SCONJ
asfbr-2	10	9	a	a	DET
asfbr-2	10	10	borrower	borrower	NOUN
asfbr-2	10	11	will	will	AUX
asfbr-2	10	12	default	default	VERB
asfbr-2	10	13	on	on	ADP
asfbr-2	10	14	any	any	DET
asfbr-2	10	15	type	type	NOUN
asfbr-2	10	16	of	of	ADP
asfbr-2	10	17	debt	debt	NOUN
asfbr-2	10	18	by	by	ADP
asfbr-2	10	19	failing	fail	VERB
asfbr-2	10	20	to	to	PART
asfbr-2	10	21	make	make	VERB
asfbr-2	10	22	payments	payment	NOUN
asfbr-2	10	23	which	which	PRON
asfbr-2	10	24	it	it	PRON
asfbr-2	10	25	is	be	AUX
asfbr-2	10	26	compelled	compel	VERB
asfbr-2	10	27	to	to	PART
asfbr-2	10	28	do	do	VERB
asfbr-2	10	29	.	.	PUNCT
asfbr-2	11	1	credit	credit	NOUN
asfbr-2	11	2	risk	risk	NOUN
asfbr-2	11	3	is	be	AUX
asfbr-2	11	4	the	the	DET
asfbr-2	11	5	major	major	ADJ
asfbr-2	11	6	risk	risk	NOUN
asfbr-2	11	7	that	that	SCONJ
asfbr-2	11	8	banks	bank	NOUN
asfbr-2	11	9	are	be	AUX
asfbr-2	11	10	exposed	expose	VERB
asfbr-2	11	11	during	during	ADP
asfbr-2	11	12	the	the	DET
asfbr-2	11	13	normal	normal	ADJ
asfbr-2	11	14	course	course	NOUN
asfbr-2	11	15	of	of	ADP
asfbr-2	11	16	lending	lending	NOUN
asfbr-2	11	17	and	and	CCONJ
asfbr-2	11	18	credit	credit	NOUN
asfbr-2	11	19	underwriting	underwriting	NOUN
asfbr-2	11	20	.	.	PUNCT
asfbr-2	12	1	the	the	DET
asfbr-2	12	2	credit	credit	NOUN
asfbr-2	12	3	risk	risk	NOUN
asfbr-2	12	4	is	be	AUX
asfbr-2	12	5	most	most	ADV
asfbr-2	12	6	simply	simply	ADV
asfbr-2	12	7	defined	define	VERB
asfbr-2	12	8	as	as	ADP
asfbr-2	12	9	the	the	DET
asfbr-2	12	10	potential	potential	NOUN
asfbr-2	12	11	that	that	SCONJ
asfbr-2	12	12	a	a	DET
asfbr-2	12	13	bank	bank	NOUN
asfbr-2	12	14	borrower	borrower	NOUN
asfbr-2	12	15	or	or	CCONJ
asfbr-2	12	16	counterparty	counterparty	NOUN
asfbr-2	12	17	will	will	AUX
asfbr-2	12	18	fail	fail	VERB
asfbr-2	12	19	to	to	PART
asfbr-2	12	20	meet	meet	VERB
asfbr-2	12	21	its	its	PRON
asfbr-2	12	22	commitment	commitment	NOUN
asfbr-2	12	23	in	in	ADP
asfbr-2	12	24	accordance	accordance	NOUN
asfbr-2	12	25	with	with	ADP
asfbr-2	12	26	agreed	agree	VERB
asfbr-2	12	27	terms	term	NOUN
asfbr-2	12	28	(	(	PUNCT
asfbr-2	12	29	basel	basel	PROPN
asfbr-2	12	30	,	,	PUNCT
asfbr-2	12	31	2000	2000	NUM
asfbr-2	12	32	,	,	PUNCT
asfbr-2	12	33	p.	p.	NOUN
asfbr-2	12	34	1	1	NUM
asfbr-2	12	35	)	)	PUNCT
asfbr-2	12	36	.	.	PUNCT
asfbr-2	13	1	credit	credit	NOUN
asfbr-2	13	2	risk	risk	NOUN
asfbr-2	13	3	arises	arise	VERB
asfbr-2	13	4	from	from	ADP
asfbr-2	13	5	non	non	ADJ
asfbr-2	13	6	-	-	NOUN
asfbr-2	13	7	performance	performance	NOUN
asfbr-2	13	8	by	by	ADP
asfbr-2	13	9	a	a	DET
asfbr-2	13	10	borrower	borrower	NOUN
asfbr-2	13	11	.	.	PUNCT
asfbr-2	14	1	for	for	ADP
asfbr-2	14	2	most	most	ADJ
asfbr-2	14	3	banks	bank	NOUN
asfbr-2	14	4	,	,	PUNCT
asfbr-2	14	5	loans	loan	NOUN
asfbr-2	14	6	are	be	AUX
asfbr-2	14	7	the	the	DET
asfbr-2	14	8	largest	large	ADJ
asfbr-2	14	9	and	and	CCONJ
asfbr-2	14	10	most	most	ADV
asfbr-2	14	11	obvious	obvious	ADJ
asfbr-2	14	12	source	source	NOUN
asfbr-2	14	13	of	of	ADP
asfbr-2	14	14	credit	credit	NOUN
asfbr-2	14	15	risk	risk	NOUN
asfbr-2	14	16	,	,	PUNCT
asfbr-2	14	17	however	however	ADV
asfbr-2	14	18	,	,	PUNCT
asfbr-2	14	19	credit	credit	NOUN
asfbr-2	14	20	risk	risk	NOUN
asfbr-2	14	21	could	could	AUX
asfbr-2	14	22	stem	stem	VERB
asfbr-2	14	23	from	from	ADP
asfbr-2	14	24	activities	activity	NOUN
asfbr-2	14	25	both	both	CCONJ
asfbr-2	14	26	on	on	ADP
asfbr-2	14	27	and	and	CCONJ
asfbr-2	14	28	off	off	ADP
asfbr-2	14	29	balance	balance	NOUN
asfbr-2	14	30	sheet	sheet	NOUN
asfbr-2	14	31	.	.	PUNCT
asfbr-2	15	1	it	it	PRON
asfbr-2	15	2	may	may	AUX
asfbr-2	15	3	arise	arise	VERB
asfbr-2	15	4	from	from	ADP
asfbr-2	15	5	either	either	CCONJ
asfbr-2	15	6	an	an	DET
asfbr-2	15	7	inability	inability	NOUN
asfbr-2	15	8	or	or	CCONJ
asfbr-2	15	9	an	an	DET
asfbr-2	15	10	unwillingness	unwillingness	NOUN
asfbr-2	15	11	of	of	ADP
asfbr-2	15	12	the	the	DET
asfbr-2	15	13	borrower	borrower	NOUN
asfbr-2	15	14	to	to	PART
asfbr-2	15	15	perform	perform	VERB
asfbr-2	15	16	in	in	ADP
asfbr-2	15	17	the	the	DET
asfbr-2	15	18	pre	pre	ADJ
asfbr-2	15	19	-	-	ADJ
asfbr-2	15	20	committed	committed	ADJ
asfbr-2	15	21	contracted	contract	VERB
asfbr-2	15	22	manner	manner	NOUN
asfbr-2	15	23	.	.	PUNCT
asfbr-2	16	1	in	in	ADP
asfbr-2	16	2	a	a	DET
asfbr-2	16	3	bank	bank	NOUN
asfbr-2	16	4	’s	’s	PART
asfbr-2	16	5	portfolio	portfolio	NOUN
asfbr-2	16	6	,	,	PUNCT
asfbr-2	16	7	losses	loss	NOUN
asfbr-2	16	8	arise	arise	VERB
asfbr-2	16	9	from	from	ADP
asfbr-2	16	10	outright	outright	ADJ
asfbr-2	16	11	default	default	NOUN
asfbr-2	16	12	due	due	ADP
asfbr-2	16	13	to	to	ADP
asfbr-2	16	14	the	the	DET
asfbr-2	16	15	inability	inability	NOUN
asfbr-2	16	16	or	or	CCONJ
asfbr-2	16	17	unwillingness	unwillingness	NOUN
asfbr-2	16	18	of	of	ADP
asfbr-2	16	19	a	a	DET
asfbr-2	16	20	customer	customer	NOUN
asfbr-2	16	21	or	or	CCONJ
asfbr-2	16	22	counter	counter	NOUN
asfbr-2	16	23	party	party	NOUN
asfbr-2	16	24	to	to	PART
asfbr-2	16	25	meet	meet	VERB
asfbr-2	16	26	commitments	commitment	NOUN
asfbr-2	16	27	in	in	ADP
asfbr-2	16	28	relation	relation	NOUN
asfbr-2	16	29	to	to	ADP
asfbr-2	16	30	lending	lending	NOUN
asfbr-2	16	31	,	,	PUNCT
asfbr-2	16	32	trading	trading	NOUN
asfbr-2	16	33	,	,	PUNCT
asfbr-2	16	34	settlement	settlement	NOUN
asfbr-2	16	35	and	and	CCONJ
asfbr-2	16	36	other	other	ADJ
asfbr-2	16	37	financial	financial	ADJ
asfbr-2	16	38	transactions	transaction	NOUN
asfbr-2	16	39	.	.	PUNCT
asfbr-2	17	1	alternatively	alternatively	ADV
asfbr-2	17	2	losses	loss	NOUN
asfbr-2	17	3	may	may	AUX
asfbr-2	17	4	result	result	VERB
asfbr-2	17	5	from	from	ADP
asfbr-2	17	6	a	a	DET
asfbr-2	17	7	reduction	reduction	NOUN
asfbr-2	17	8	in	in	ADP
asfbr-2	17	9	portfolio	portfolio	NOUN
asfbr-2	17	10	value	value	NOUN
asfbr-2	17	11	due	due	ADP
asfbr-2	17	12	to	to	ADP
asfbr-2	17	13	actual	actual	ADJ
asfbr-2	17	14	or	or	CCONJ
asfbr-2	17	15	perceived	perceive	VERB
asfbr-2	17	16	deterioration	deterioration	NOUN
asfbr-2	17	17	in	in	ADP
asfbr-2	17	18	credit	credit	NOUN
asfbr-2	17	19	quality	quality	NOUN
asfbr-2	17	20	of	of	ADP
asfbr-2	17	21	the	the	DET
asfbr-2	17	22	banks	bank	NOUN
asfbr-2	17	23	(	(	PUNCT
asfbr-2	17	24	nepal	nepal	PROPN
asfbr-2	17	25	rastra	rastra	PROPN
asfbr-2	17	26	bank	bank	PROPN
asfbr-2	17	27	,	,	PUNCT
asfbr-2	17	28	2010	2010	NUM
asfbr-2	17	29	)	)	PUNCT
asfbr-2	17	30	.	.	PUNCT
asfbr-2	18	1	diwan	diwan	PROPN
asfbr-2	18	2	&	&	CCONJ
asfbr-2	18	3	rodick	rodick	PROPN
asfbr-2	18	4	(	(	PUNCT
asfbr-2	18	5	1992	1992	NUM
asfbr-2	18	6	)	)	PUNCT
asfbr-2	18	7	,	,	PUNCT
asfbr-2	18	8	suggested	suggest	VERB
asfbr-2	18	9	that	that	SCONJ
asfbr-2	18	10	high	high	ADJ
asfbr-2	18	11	npls	npls	NOUN
asfbr-2	18	12	increase	increase	VERB
asfbr-2	18	13	the	the	DET
asfbr-2	18	14	uncertainty	uncertainty	NOUN
asfbr-2	18	15	regarding	regard	VERB
asfbr-2	18	16	the	the	DET
asfbr-2	18	17	capital	capital	NOUN
asfbr-2	18	18	position	position	NOUN
asfbr-2	18	19	of	of	ADP
asfbr-2	18	20	the	the	DET
asfbr-2	18	21	banks	bank	NOUN
asfbr-2	18	22	and	and	CCONJ
asfbr-2	18	23	therefore	therefore	ADV
asfbr-2	18	24	tend	tend	VERB
asfbr-2	18	25	to	to	PART
asfbr-2	18	26	limit	limit	VERB
asfbr-2	18	27	their	their	PRON
asfbr-2	18	28	access	access	NOUN
asfbr-2	18	29	to	to	ADP
asfbr-2	18	30	additional	additional	ADJ
asfbr-2	18	31	financing	financing	NOUN
asfbr-2	18	32	in	in	ADP
asfbr-2	18	33	regular	regular	ADJ
asfbr-2	18	34	banking	banking	NOUN
asfbr-2	18	35	business	business	NOUN
asfbr-2	18	36	.	.	PUNCT
asfbr-2	19	1	the	the	DET
asfbr-2	19	2	shortfall	shortfall	NOUN
asfbr-2	19	3	of	of	ADP
asfbr-2	19	4	the	the	DET
asfbr-2	19	5	lending	lending	NOUN
asfbr-2	19	6	fund	fund	NOUN
asfbr-2	19	7	contributes	contribute	VERB
asfbr-2	19	8	to	to	ADP
asfbr-2	19	9	lower	low	ADJ
asfbr-2	19	10	credit	credit	NOUN
asfbr-2	19	11	growth	growth	NOUN
asfbr-2	19	12	.	.	PUNCT
asfbr-2	20	1	in	in	ADP
asfbr-2	20	2	certain	certain	ADJ
asfbr-2	20	3	banks	bank	NOUN
asfbr-2	20	4	,	,	PUNCT
asfbr-2	20	5	governments	government	NOUN
asfbr-2	20	6	have	have	VERB
asfbr-2	20	7	large	large	ADJ
asfbr-2	20	8	amounts	amount	NOUN
asfbr-2	20	9	of	of	ADP
asfbr-2	20	10	non	non	ADJ
asfbr-2	20	11	-	-	ADJ
asfbr-2	20	12	performing	performing	ADJ
asfbr-2	20	13	loans	loan	NOUN
asfbr-2	20	14	and	and	CCONJ
asfbr-2	20	15	some	some	DET
asfbr-2	20	16	commercial	commercial	ADJ
asfbr-2	20	17	banks	bank	NOUN
asfbr-2	20	18	tend	tend	VERB
asfbr-2	20	19	to	to	PART
asfbr-2	20	20	finance	finance	VERB
asfbr-2	20	21	government	government	NOUN
asfbr-2	20	22	fiscal	fiscal	ADJ
asfbr-2	20	23	deficits	deficit	NOUN
asfbr-2	20	24	and	and	CCONJ
asfbr-2	20	25	sustain	sustain	VERB
asfbr-2	20	26	some	some	DET
asfbr-2	20	27	unprofitable	unprofitable	ADJ
asfbr-2	20	28	government	government	NOUN
asfbr-2	20	29	projects	project	NOUN
asfbr-2	20	30	with	with	ADP
asfbr-2	20	31	large	large	ADJ
asfbr-2	20	32	borrowings	borrowing	NOUN
asfbr-2	20	33	from	from	ADP
asfbr-2	20	34	banks	bank	NOUN
asfbr-2	20	35	.	.	PUNCT
asfbr-2	21	1	these	these	DET
asfbr-2	21	2	actions	action	NOUN
asfbr-2	21	3	increase	increase	VERB
asfbr-2	21	4	the	the	DET
asfbr-2	21	5	prospects	prospect	NOUN
asfbr-2	21	6	of	of	ADP
asfbr-2	21	7	generating	generate	VERB
asfbr-2	21	8	npls	npls	NOUN
asfbr-2	21	9	in	in	ADP
asfbr-2	21	10	the	the	DET
asfbr-2	21	11	banks	bank	NOUN
asfbr-2	21	12	.	.	PUNCT
asfbr-2	22	1	so	so	ADV
asfbr-2	22	2	,	,	PUNCT
asfbr-2	22	3	non	non	ADJ
asfbr-2	22	4	-	-	ADJ
asfbr-2	22	5	performing	performing	ADJ
asfbr-2	22	6	loans	loan	NOUN
asfbr-2	22	7	are	be	AUX
asfbr-2	22	8	one	one	NUM
asfbr-2	22	9	of	of	ADP
asfbr-2	22	10	the	the	DET
asfbr-2	22	11	main	main	ADJ
asfbr-2	22	12	reasons	reason	NOUN
asfbr-2	22	13	that	that	PRON
asfbr-2	22	14	cause	cause	VERB
asfbr-2	22	15	insolvency	insolvency	NOUN
asfbr-2	22	16	of	of	ADP
asfbr-2	22	17	the	the	DET
asfbr-2	22	18	financial	financial	ADJ
asfbr-2	22	19	institutions	institution	NOUN
asfbr-2	22	20	and	and	CCONJ
asfbr-2	22	21	ultimately	ultimately	ADV
asfbr-2	22	22	destroy	destroy	VERB
asfbr-2	22	23	the	the	DET
asfbr-2	22	24	whole	whole	ADJ
asfbr-2	22	25	economy	economy	NOUN
asfbr-2	22	26	(	(	PUNCT
asfbr-2	22	27	hou	hou	NOUN
asfbr-2	22	28	,	,	PUNCT
asfbr-2	22	29	2007	2007	NUM
asfbr-2	22	30	)	)	PUNCT
asfbr-2	22	31	.	.	PUNCT
asfbr-2	23	1	by	by	ADP
asfbr-2	23	2	considering	consider	VERB
asfbr-2	23	3	these	these	DET
asfbr-2	23	4	facts	fact	NOUN
asfbr-2	23	5	,	,	PUNCT
asfbr-2	23	6	it	it	PRON
asfbr-2	23	7	is	be	AUX
asfbr-2	23	8	necessary	necessary	ADJ
asfbr-2	23	9	to	to	PART
asfbr-2	23	10	control	control	VERB
asfbr-2	23	11	non	non	ADJ
asfbr-2	23	12	-	-	ADJ
asfbr-2	23	13	performing	performing	ADJ
asfbr-2	23	14	loans	loan	NOUN
asfbr-2	23	15	for	for	ADP
asfbr-2	23	16	the	the	DET
asfbr-2	23	17	financial	financial	ADJ
asfbr-2	23	18	soundness	soundness	NOUN
asfbr-2	23	19	of	of	ADP
asfbr-2	23	20	banks	bank	NOUN
asfbr-2	23	21	;	;	PUNCT
asfbr-2	23	22	otherwise	otherwise	ADV
asfbr-2	23	23	the	the	DET
asfbr-2	23	24	capital	capital	NOUN
asfbr-2	23	25	can	can	AUX
asfbr-2	23	26	be	be	AUX
asfbr-2	23	27	jammed	jam	VERB
asfbr-2	23	28	in	in	ADP
asfbr-2	23	29	unprofitable	unprofitable	ADJ
asfbr-2	23	30	projects	project	NOUN
asfbr-2	23	31	and	and	CCONJ
asfbr-2	23	32	sectors	sector	NOUN
asfbr-2	23	33	which	which	PRON
asfbr-2	23	34	not	not	PART
asfbr-2	23	35	only	only	ADV
asfbr-2	23	36	damage	damage	VERB
asfbr-2	23	37	the	the	DET
asfbr-2	23	38	financial	financial	ADJ
asfbr-2	23	39	health	health	NOUN
asfbr-2	23	40	of	of	ADP
asfbr-2	23	41	banks	bank	NOUN
asfbr-2	23	42	but	but	CCONJ
asfbr-2	23	43	also	also	ADV
asfbr-2	23	44	the	the	DET
asfbr-2	23	45	economic	economic	ADJ
asfbr-2	23	46	stability	stability	NOUN
asfbr-2	23	47	of	of	ADP
asfbr-2	23	48	the	the	DET
asfbr-2	23	49	country	country	NOUN
asfbr-2	23	50	.	.	PUNCT
asfbr-2	24	1	credit	credit	NOUN
asfbr-2	24	2	risk	risk	NOUN
asfbr-2	24	3	management	management	NOUN
asfbr-2	24	4	is	be	AUX
asfbr-2	24	5	a	a	DET
asfbr-2	24	6	structured	structured	ADJ
asfbr-2	24	7	approach	approach	NOUN
asfbr-2	24	8	to	to	PART
asfbr-2	24	9	manage	manage	VERB
asfbr-2	24	10	uncertainties	uncertainty	NOUN
asfbr-2	24	11	through	through	ADP
asfbr-2	24	12	risk	risk	NOUN
asfbr-2	24	13	assessment	assessment	NOUN
asfbr-2	24	14	,	,	PUNCT
asfbr-2	24	15	development	development	NOUN
asfbr-2	24	16	of	of	ADP
asfbr-2	24	17	strategies	strategy	NOUN
asfbr-2	24	18	to	to	PART
asfbr-2	24	19	manage	manage	VERB
asfbr-2	24	20	it	it	PRON
asfbr-2	24	21	and	and	CCONJ
asfbr-2	24	22	mitigation	mitigation	NOUN
asfbr-2	24	23	of	of	ADP
asfbr-2	24	24	risk	risk	NOUN
asfbr-2	24	25	using	use	VERB
asfbr-2	24	26	managerial	managerial	ADJ
asfbr-2	24	27	resources	resource	NOUN
asfbr-2	24	28	.	.	PUNCT
asfbr-2	25	1	the	the	DET
asfbr-2	25	2	strategies	strategy	NOUN
asfbr-2	25	3	include	include	VERB
asfbr-2	25	4	transferring	transfer	VERB
asfbr-2	25	5	the	the	DET
asfbr-2	25	6	risk	risk	NOUN
asfbr-2	25	7	to	to	ADP
asfbr-2	25	8	another	another	DET
asfbr-2	25	9	party	party	NOUN
asfbr-2	25	10	,	,	PUNCT
asfbr-2	25	11	avoiding	avoid	VERB
asfbr-2	25	12	the	the	DET
asfbr-2	25	13	risk	risk	NOUN
asfbr-2	25	14	,	,	PUNCT
asfbr-2	25	15	reducing	reduce	VERB
asfbr-2	25	16	the	the	DET
asfbr-2	25	17	negative	negative	ADJ
asfbr-2	25	18	effects	effect	NOUN
asfbr-2	25	19	of	of	ADP
asfbr-2	25	20	the	the	DET
asfbr-2	25	21	risk	risk	NOUN
asfbr-2	25	22	,	,	PUNCT
asfbr-2	25	23	and	and	CCONJ
asfbr-2	25	24	accepting	accept	VERB
asfbr-2	25	25	some	some	PRON
asfbr-2	25	26	or	or	CCONJ
asfbr-2	25	27	all	all	PRON
asfbr-2	25	28	of	of	ADP
asfbr-2	25	29	the	the	DET
asfbr-2	25	30	consequences	consequence	NOUN
asfbr-2	25	31	of	of	ADP
asfbr-2	25	32	a	a	DET
asfbr-2	25	33	particular	particular	ADJ
asfbr-2	25	34	risk	risk	NOUN
asfbr-2	25	35	(	(	PUNCT
asfbr-2	25	36	afriyie	afriyie	NOUN
asfbr-2	25	37	&	&	CCONJ
asfbr-2	25	38	akotey	akotey	PROPN
asfbr-2	25	39	,	,	PUNCT
asfbr-2	25	40	2012	2012	NUM
asfbr-2	25	41	,	,	PUNCT
asfbr-2	25	42	p.	p.	NOUN
asfbr-2	25	43	1	1	NUM
asfbr-2	25	44	)	)	PUNCT
asfbr-2	25	45	.	.	PUNCT
asfbr-2	26	1	credit	credit	NOUN
asfbr-2	26	2	risk	risk	NOUN
asfbr-2	26	3	management	management	NOUN
asfbr-2	26	4	in	in	ADP
asfbr-2	26	5	modern	modern	ADJ
asfbr-2	26	6	banking	banking	NOUN
asfbr-2	26	7	industry	industry	NOUN
asfbr-2	26	8	has	have	AUX
asfbr-2	26	9	gained	gain	VERB
asfbr-2	26	10	a	a	DET
asfbr-2	26	11	momentum	momentum	NOUN
asfbr-2	26	12	due	due	ADP
asfbr-2	26	13	to	to	ADP
asfbr-2	26	14	the	the	DET
asfbr-2	26	15	high	high	ADJ
asfbr-2	26	16	degree	degree	NOUN
asfbr-2	26	17	of	of	ADP
asfbr-2	26	18	non	non	ADJ
asfbr-2	26	19	-	-	ADJ
asfbr-2	26	20	performing	perform	VERB
asfbr-2	26	21	assets	asset	NOUN
asfbr-2	26	22	.	.	PUNCT
asfbr-2	27	1	credit	credit	NOUN
asfbr-2	27	2	risk	risk	NOUN
asfbr-2	27	3	is	be	AUX
asfbr-2	27	4	the	the	DET
asfbr-2	27	5	most	most	ADV
asfbr-2	27	6	common	common	ADJ
asfbr-2	27	7	cause	cause	NOUN
asfbr-2	27	8	of	of	ADP
asfbr-2	27	9	bank	bank	PROPN
asfbr-2	27	10	npa	npa	PROPN
asfbr-2	27	11	,	,	PUNCT
asfbr-2	27	12	causing	cause	VERB
asfbr-2	27	13	virtually	virtually	ADV
asfbr-2	27	14	all	all	DET
asfbr-2	27	15	regulatory	regulatory	ADJ
asfbr-2	27	16	environments	environment	NOUN
asfbr-2	27	17	to	to	PART
asfbr-2	27	18	prescribe	prescribe	VERB
asfbr-2	27	19	minimum	minimum	ADJ
asfbr-2	27	20	values	value	NOUN
asfbr-2	27	21	for	for	ADP
asfbr-2	27	22	credit	credit	NOUN
asfbr-2	27	23	risk	risk	NOUN
asfbr-2	27	24	management	management	NOUN
asfbr-2	27	25	.	.	PUNCT
asfbr-2	28	1	the	the	DET
asfbr-2	28	2	foundation	foundation	NOUN
asfbr-2	28	3	of	of	ADP
asfbr-2	28	4	sound	sound	ADJ
asfbr-2	28	5	credit	credit	NOUN
asfbr-2	28	6	risk	risk	NOUN
asfbr-2	28	7	management	management	NOUN
asfbr-2	28	8	is	be	AUX
asfbr-2	28	9	the	the	DET
asfbr-2	28	10	identification	identification	NOUN
asfbr-2	28	11	of	of	ADP
asfbr-2	28	12	the	the	DET
asfbr-2	28	13	existing	exist	VERB
asfbr-2	28	14	and	and	CCONJ
asfbr-2	28	15	potential	potential	ADJ
asfbr-2	28	16	risks	risk	NOUN
asfbr-2	28	17	,	,	PUNCT
asfbr-2	28	18	inherent	inherent	ADJ
asfbr-2	28	19	in	in	ADP
asfbr-2	28	20	lending	lending	NOUN
asfbr-2	28	21	activities	activity	NOUN
asfbr-2	28	22	entire	entire	VERB
asfbr-2	28	23	the	the	DET
asfbr-2	28	24	individual	individual	ADJ
asfbr-2	28	25	borrowers	borrower	NOUN
asfbr-2	28	26	.	.	PUNCT
asfbr-2	29	1	measure	measure	NOUN
asfbr-2	29	2	to	to	PART
asfbr-2	29	3	counteract	counteract	VERB
asfbr-2	29	4	,	,	PUNCT
asfbr-2	29	5	these	these	DET
asfbr-2	29	6	risks	risk	NOUN
asfbr-2	29	7	normally	normally	ADV
asfbr-2	29	8	comprise	comprise	VERB
asfbr-2	29	9	evidently	evidently	ADV
asfbr-2	29	10	clear	clear	ADJ
asfbr-2	29	11	policies	policy	NOUN
asfbr-2	29	12	that	that	PRON
asfbr-2	29	13	express	express	VERB
asfbr-2	29	14	the	the	DET
asfbr-2	29	15	bank	bank	NOUN
asfbr-2	29	16	’s	’s	PART
asfbr-2	29	17	credit	credit	NOUN
asfbr-2	29	18	risk	risk	NOUN
asfbr-2	29	19	management	management	NOUN
asfbr-2	29	20	philosophy	philosophy	NOUN
asfbr-2	29	21	and	and	CCONJ
asfbr-2	29	22	the	the	DET
asfbr-2	29	23	parameter	parameter	NOUN
asfbr-2	29	24	within	within	ADP
asfbr-2	29	25	which	which	PRON
asfbr-2	29	26	credit	credit	NOUN
asfbr-2	29	27	risk	risk	NOUN
asfbr-2	29	28	is	be	AUX
asfbr-2	29	29	to	to	PART
asfbr-2	29	30	be	be	AUX
asfbr-2	29	31	controlled	control	VERB
asfbr-2	29	32	(	(	PUNCT
asfbr-2	29	33	greuning	greuning	NOUN
asfbr-2	29	34	&	&	CCONJ
asfbr-2	29	35	bratanovic	bratanovic	ADJ
asfbr-2	29	36	,	,	PUNCT
asfbr-2	29	37	2003	2003	NUM
asfbr-2	29	38	,	,	PUNCT
asfbr-2	29	39	p.	p.	NOUN
asfbr-2	29	40	151	151	NUM
asfbr-2	29	41	)	)	PUNCT
asfbr-2	29	42	.	.	PUNCT
asfbr-2	30	1	the	the	DET
asfbr-2	30	2	three	three	NUM
asfbr-2	30	3	goals	goal	NOUN
asfbr-2	30	4	of	of	ADP
asfbr-2	30	5	credit	credit	NOUN
asfbr-2	30	6	risk	risk	NOUN
asfbr-2	30	7	measurement	measurement	NOUN
asfbr-2	30	8	when	when	SCONJ
asfbr-2	30	9	extending	extend	VERB
asfbr-2	30	10	the	the	DET
asfbr-2	30	11	business	business	NOUN
asfbr-2	30	12	credit	credit	NOUN
asfbr-2	30	13	are	be	AUX
asfbr-2	30	14	1	1	NUM
asfbr-2	30	15	)	)	PUNCT
asfbr-2	30	16	for	for	SCONJ
asfbr-2	30	17	the	the	DET
asfbr-2	30	18	lender	lender	NOUN
asfbr-2	30	19	to	to	PART
asfbr-2	30	20	limit	limit	VERB
asfbr-2	30	21	credit	credit	NOUN
asfbr-2	30	22	risk	risk	NOUN
asfbr-2	30	23	exposure	exposure	NOUN
asfbr-2	30	24	,	,	PUNCT
asfbr-2	30	25	2	2	NUM
asfbr-2	30	26	)	)	PUNCT
asfbr-2	30	27	to	to	PART
asfbr-2	30	28	earn	earn	VERB
asfbr-2	30	29	adequate	adequate	ADJ
asfbr-2	30	30	compensation	compensation	NOUN
asfbr-2	30	31	for	for	ADP
asfbr-2	30	32	the	the	DET
asfbr-2	30	33	level	level	NOUN
asfbr-2	30	34	of	of	ADP
asfbr-2	30	35	credit	credit	NOUN
asfbr-2	30	36	relative	relative	ADJ
asfbr-2	30	37	to	to	ADP
asfbr-2	30	38	facility	facility	NOUN
asfbr-2	30	39	amount	amount	NOUN
asfbr-2	30	40	,	,	PUNCT
asfbr-2	30	41	and	and	CCONJ
asfbr-2	30	42	3	3	X
asfbr-2	30	43	)	)	PUNCT
asfbr-2	30	44	to	to	PART
asfbr-2	30	45	mitigate	mitigate	VERB
asfbr-2	30	46	credit	credit	NOUN
asfbr-2	30	47	risk	risk	NOUN
asfbr-2	30	48	from	from	ADP
asfbr-2	30	49	economic	economic	ADJ
asfbr-2	30	50	loss	loss	NOUN
asfbr-2	30	51	.	.	PUNCT
asfbr-2	31	1	to	to	PART
asfbr-2	31	2	fulfill	fulfill	VERB
asfbr-2	31	3	these	these	DET
asfbr-2	31	4	goals	goal	NOUN
asfbr-2	31	5	bank	bank	NOUN
asfbr-2	31	6	and	and	CCONJ
asfbr-2	31	7	financial	financial	ADJ
asfbr-2	31	8	institutions	institution	NOUN
asfbr-2	31	9	have	have	AUX
asfbr-2	31	10	made	make	VERB
asfbr-2	31	11	the	the	DET
asfbr-2	31	12	credit	credit	NOUN
asfbr-2	31	13	policy	policy	NOUN
asfbr-2	31	14	,	,	PUNCT
asfbr-2	31	15	guideline	guideline	NOUN
asfbr-2	31	16	and	and	CCONJ
asfbr-2	31	17	create	create	VERB
asfbr-2	31	18	the	the	DET
asfbr-2	31	19	appropriate	appropriate	ADJ
asfbr-2	31	20	credit	credit	NOUN
asfbr-2	31	21	culture	culture	NOUN
asfbr-2	31	22	.	.	PUNCT
asfbr-2	32	1	the	the	DET
asfbr-2	32	2	assessment	assessment	NOUN
asfbr-2	32	3	analysis	analysis	NOUN
asfbr-2	32	4	a	a	DET
asfbr-2	32	5	task	task	NOUN
asfbr-2	32	6	is	be	AUX
asfbr-2	32	7	to	to	PART
asfbr-2	32	8	measure	measure	VERB
asfbr-2	32	9	the	the	DET
asfbr-2	32	10	risk	risk	NOUN
asfbr-2	32	11	level	level	NOUN
asfbr-2	32	12	and	and	CCONJ
asfbr-2	32	13	to	to	PART
asfbr-2	32	14	find	find	VERB
asfbr-2	32	15	out	out	ADP
asfbr-2	32	16	what	what	PRON
asfbr-2	32	17	events	event	NOUN
asfbr-2	32	18	could	could	AUX
asfbr-2	32	19	potentially	potentially	ADV
asfbr-2	32	20	cause	cause	VERB
asfbr-2	32	21	harm	harm	NOUN
asfbr-2	32	22	or	or	CCONJ
asfbr-2	32	23	benefits	benefit	NOUN
asfbr-2	32	24	for	for	ADP
asfbr-2	32	25	the	the	DET
asfbr-2	32	26	banks	bank	NOUN
asfbr-2	32	27	.	.	PUNCT
asfbr-2	33	1	the	the	DET
asfbr-2	33	2	risk	risk	NOUN
asfbr-2	33	3	is	be	AUX
asfbr-2	33	4	being	be	AUX
asfbr-2	33	5	assessed	assess	VERB
asfbr-2	33	6	in	in	ADP
asfbr-2	33	7	terms	term	NOUN
asfbr-2	33	8	of	of	ADP
asfbr-2	33	9	the	the	DET
asfbr-2	33	10	sternness	sternness	NOUN
asfbr-2	33	11	of	of	ADP
asfbr-2	33	12	the	the	DET
asfbr-2	33	13	impact	impact	NOUN
asfbr-2	33	14	,	,	PUNCT
asfbr-2	33	15	likelihood	likelihood	NOUN
asfbr-2	33	16	of	of	ADP
asfbr-2	33	17	occurring	occur	VERB
asfbr-2	33	18	and	and	CCONJ
asfbr-2	33	19	controllability	controllability	NOUN
asfbr-2	33	20	(	(	PUNCT
asfbr-2	33	21	gray	gray	PROPN
asfbr-2	33	22	&	&	CCONJ
asfbr-2	33	23	larson	larson	PROPN
asfbr-2	33	24	,	,	PUNCT
asfbr-2	33	25	2008	2008	NUM
asfbr-2	33	26	,	,	PUNCT
asfbr-2	33	27	p.	p.	NOUN
asfbr-2	33	28	215	215	NUM
asfbr-2	33	29	)	)	PUNCT
asfbr-2	33	30	.	.	PUNCT
asfbr-2	34	1	risk	risk	NOUN
asfbr-2	34	2	assessment	assessment	NOUN
asfbr-2	34	3	is	be	AUX
asfbr-2	34	4	done	do	VERB
asfbr-2	34	5	by	by	ADP
asfbr-2	34	6	prioritizing	prioritize	VERB
asfbr-2	34	7	the	the	DET
asfbr-2	34	8	risk	risk	NOUN
asfbr-2	34	9	either	either	CCONJ
asfbr-2	34	10	by	by	ADP
asfbr-2	34	11	using	use	VERB
asfbr-2	34	12	risk	risk	NOUN
asfbr-2	34	13	evaluation	evaluation	NOUN
asfbr-2	34	14	or	or	CCONJ
asfbr-2	34	15	risk	risk	NOUN
asfbr-2	34	16	analysis	analysis	NOUN
asfbr-2	34	17	(	(	PUNCT
asfbr-2	34	18	williams	williams	PROPN
asfbr-2	34	19	,	,	PUNCT
asfbr-2	34	20	et	et	PROPN
asfbr-2	34	21	al	al	PROPN
asfbr-2	34	22	.	.	PROPN
asfbr-2	34	23	,	,	PUNCT
asfbr-2	34	24	2006	2006	NUM
asfbr-2	34	25	,	,	PUNCT
asfbr-2	34	26	p.	p.	NOUN
asfbr-2	34	27	70	70	NUM
asfbr-2	34	28	)	)	PUNCT
asfbr-2	34	29	.	.	PUNCT
asfbr-2	35	1	this	this	DET
asfbr-2	35	2	risk	risk	NOUN
asfbr-2	35	3	analysis	analysis	NOUN
asfbr-2	35	4	is	be	AUX
asfbr-2	35	5	based	base	VERB
asfbr-2	35	6	on	on	ADP
asfbr-2	35	7	the	the	DET
asfbr-2	35	8	likelihood	likelihood	NOUN
asfbr-2	35	9	and	and	CCONJ
asfbr-2	35	10	consequences	consequence	NOUN
asfbr-2	35	11	.	.	PUNCT
asfbr-2	36	1	likelihood	likelihood	NOUN
asfbr-2	36	2	depends	depend	VERB
asfbr-2	36	3	on	on	ADP
asfbr-2	36	4	the	the	DET
asfbr-2	36	5	probability	probability	NOUN
asfbr-2	36	6	that	that	SCONJ
asfbr-2	36	7	the	the	DET
asfbr-2	36	8	risk	risk	NOUN
asfbr-2	36	9	will	will	AUX
asfbr-2	36	10	occur	occur	VERB
asfbr-2	36	11	and	and	CCONJ
asfbr-2	36	12	how	how	SCONJ
asfbr-2	36	13	frequently	frequently	ADV
asfbr-2	36	14	it	it	PRON
asfbr-2	36	15	will	will	AUX
asfbr-2	36	16	take	take	VERB
asfbr-2	36	17	place	place	NOUN
asfbr-2	36	18	.	.	PUNCT
asfbr-2	37	1	while	while	SCONJ
asfbr-2	37	2	,	,	PUNCT
asfbr-2	37	3	consequences	consequence	NOUN
asfbr-2	37	4	on	on	ADP
asfbr-2	37	5	the	the	DET
asfbr-2	37	6	other	other	ADJ
asfbr-2	37	7	hand	hand	NOUN
asfbr-2	37	8	can	can	AUX
asfbr-2	37	9	be	be	AUX
asfbr-2	37	10	calculated	calculate	VERB
asfbr-2	37	11	by	by	ADP
asfbr-2	37	12	looking	look	VERB
asfbr-2	37	13	at	at	ADP
asfbr-2	37	14	the	the	DET
asfbr-2	37	15	effects	effect	NOUN
asfbr-2	37	16	on	on	ADP
asfbr-2	37	17	results	result	NOUN
asfbr-2	37	18	or	or	CCONJ
asfbr-2	37	19	on	on	ADP
asfbr-2	37	20	the	the	DET
asfbr-2	37	21	enablers	enabler	NOUN
asfbr-2	37	22	of	of	ADP
asfbr-2	37	23	results	result	NOUN
asfbr-2	37	24	(	(	PUNCT
asfbr-2	37	25	williams	williams	PROPN
asfbr-2	37	26	,	,	PUNCT
asfbr-2	37	27	et	et	PROPN
asfbr-2	37	28	al	al	PROPN
asfbr-2	37	29	.	.	PROPN
asfbr-2	37	30	,	,	PUNCT
asfbr-2	37	31	2006	2006	NUM
asfbr-2	37	32	,	,	PUNCT
asfbr-2	37	33	p.	p.	NOUN
asfbr-2	37	34	70	70	NUM
asfbr-2	37	35	)	)	PUNCT
asfbr-2	37	36	.	.	PUNCT
asfbr-2	38	1	for	for	ADP
asfbr-2	38	2	this	this	DET
asfbr-2	38	3	purpose	purpose	NOUN
asfbr-2	38	4	,	,	PUNCT
asfbr-2	38	5	banks	bank	NOUN
asfbr-2	38	6	adopt	adopt	VERB
asfbr-2	38	7	the	the	DET
asfbr-2	38	8	various	various	ADJ
asfbr-2	38	9	assessment	assessment	NOUN
asfbr-2	38	10	and	and	CCONJ
asfbr-2	38	11	analysis	analysis	NOUN
asfbr-2	38	12	tools	tool	NOUN
asfbr-2	38	13	to	to	PART
asfbr-2	38	14	know	know	VERB
asfbr-2	38	15	the	the	DET
asfbr-2	38	16	frequency	frequency	NOUN
asfbr-2	38	17	of	of	ADP
asfbr-2	38	18	incidence	incidence	NOUN
asfbr-2	38	19	of	of	ADP
asfbr-2	38	20	the	the	DET
asfbr-2	38	21	risk	risk	NOUN
asfbr-2	38	22	and	and	CCONJ
asfbr-2	38	23	its	its	PRON
asfbr-2	38	24	effect	effect	NOUN
asfbr-2	38	25	.	.	PUNCT
asfbr-2	39	1	hence	hence	ADV
asfbr-2	39	2	,	,	PUNCT
asfbr-2	39	3	risk	risk	NOUN
asfbr-2	39	4	appraisal	appraisal	NOUN
asfbr-2	39	5	is	be	AUX
asfbr-2	39	6	then	then	ADV
asfbr-2	39	7	carried	carry	VERB
asfbr-2	39	8	out	out	ADP
asfbr-2	39	9	when	when	SCONJ
asfbr-2	39	10	an	an	DET
asfbr-2	39	11	appropriate	appropriate	ADJ
asfbr-2	39	12	risk	risk	NOUN
asfbr-2	39	13	analysis	analysis	NOUN
asfbr-2	39	14	tools	tool	NOUN
asfbr-2	39	15	has	have	AUX
asfbr-2	39	16	been	be	AUX
asfbr-2	39	17	assumed	assume	VERB
asfbr-2	39	18	.	.	PUNCT
asfbr-2	40	1	an	an	DET
asfbr-2	40	2	assessment	assessment	NOUN
asfbr-2	40	3	is	be	AUX
asfbr-2	40	4	done	do	VERB
asfbr-2	40	5	against	against	ADP
asfbr-2	40	6	an	an	DET
asfbr-2	40	7	appropriate	appropriate	ADJ
asfbr-2	40	8	risk	risk	NOUN
asfbr-2	40	9	-	-	PUNCT
asfbr-2	40	10	acceptance	acceptance	NOUN
asfbr-2	40	11	criterion	criterion	NOUN
asfbr-2	40	12	to	to	PART
asfbr-2	40	13	give	give	VERB
asfbr-2	40	14	a	a	DET
asfbr-2	40	15	risk	risk	NOUN
asfbr-2	40	16	level	level	NOUN
asfbr-2	40	17	of	of	ADP
asfbr-2	40	18	the	the	DET
asfbr-2	40	19	credit	credit	NOUN
asfbr-2	40	20	(	(	PUNCT
asfbr-2	40	21	williams	williams	PROPN
asfbr-2	40	22	,	,	PUNCT
asfbr-2	40	23	et	et	PROPN
asfbr-2	40	24	al	al	PROPN
asfbr-2	40	25	.	.	PROPN
asfbr-2	40	26	,	,	PUNCT
asfbr-2	40	27	2006	2006	NUM
asfbr-2	40	28	,	,	PUNCT
asfbr-2	40	29	p.	p.	NOUN
asfbr-2	40	30	70	70	NUM
asfbr-2	40	31	)	)	PUNCT
asfbr-2	40	32	.	.	PUNCT
asfbr-2	41	1	therefore	therefore	ADV
asfbr-2	41	2	,	,	PUNCT
asfbr-2	41	3	assessment	assessment	NOUN
asfbr-2	41	4	and	and	CCONJ
asfbr-2	41	5	analysis	analysis	NOUN
asfbr-2	41	6	is	be	AUX
asfbr-2	41	7	equally	equally	ADV
asfbr-2	41	8	important	important	ADJ
asfbr-2	41	9	for	for	ADP
asfbr-2	41	10	credit	credit	NOUN
asfbr-2	41	11	risk	risk	NOUN
asfbr-2	41	12	management	management	NOUN
asfbr-2	41	13	practice	practice	NOUN
asfbr-2	41	14	on	on	ADP
asfbr-2	41	15	banking	banking	NOUN
asfbr-2	41	16	sectors	sector	NOUN
asfbr-2	41	17	.	.	PUNCT
asfbr-2	42	1	during	during	ADP
asfbr-2	42	2	the	the	DET
asfbr-2	42	3	credit	credit	NOUN
asfbr-2	42	4	appraisal	appraisal	NOUN
asfbr-2	42	5	,	,	PUNCT
asfbr-2	42	6	banks	bank	NOUN
asfbr-2	42	7	try	try	VERB
asfbr-2	42	8	to	to	PART
asfbr-2	42	9	find	find	VERB
asfbr-2	42	10	out	out	ADP
asfbr-2	42	11	risk	risk	NOUN
asfbr-2	42	12	level	level	NOUN
asfbr-2	42	13	from	from	ADP
asfbr-2	42	14	the	the	DET
asfbr-2	42	15	basic	basic	ADJ
asfbr-2	42	16	sources	source	NOUN
asfbr-2	42	17	of	of	ADP
asfbr-2	42	18	credit	credit	NOUN
asfbr-2	42	19	risk	risk	NOUN
asfbr-2	42	20	.	.	PUNCT
asfbr-2	43	1	an	an	DET
asfbr-2	43	2	examination	examination	NOUN
asfbr-2	43	3	of	of	ADP
asfbr-2	43	4	real	real	ADJ
asfbr-2	43	5	risk	risk	NOUN
asfbr-2	43	6	assets	asset	NOUN
asfbr-2	43	7	allocation	allocation	NOUN
asfbr-2	43	8	of	of	ADP
asfbr-2	43	9	banks	bank	NOUN
asfbr-2	43	10	conducted	conduct	VERB
asfbr-2	43	11	by	by	ADP
asfbr-2	43	12	mckinsey	mckinsey	NOUN
asfbr-2	43	13	&	&	CCONJ
asfbr-2	43	14	company	company	PROPN
asfbr-2	43	15	(	(	PUNCT
asfbr-2	43	16	1997	1997	NUM
asfbr-2	43	17	)	)	PUNCT
asfbr-2	43	18	reveals	reveal	VERB
asfbr-2	43	19	that	that	SCONJ
asfbr-2	43	20	credit	credit	NOUN
asfbr-2	43	21	risk	risk	NOUN
asfbr-2	43	22	exposure	exposure	NOUN
asfbr-2	43	23	takes	take	VERB
asfbr-2	43	24	up	up	ADP
asfbr-2	43	25	to	to	PART
asfbr-2	43	26	60.0	60.0	NUM
asfbr-2	43	27	%	%	NOUN
asfbr-2	43	28	of	of	ADP
asfbr-2	43	29	risks	risk	NOUN
asfbr-2	43	30	that	that	PRON
asfbr-2	43	31	banks	bank	NOUN
asfbr-2	43	32	face	face	VERB
asfbr-2	43	33	while	while	SCONJ
asfbr-2	43	34	market	market	NOUN
asfbr-2	43	35	risk	risk	NOUN
asfbr-2	43	36	and	and	CCONJ
asfbr-2	43	37	operational	operational	ADJ
asfbr-2	43	38	risk	risk	NOUN
asfbr-2	43	39	take	take	VERB
asfbr-2	43	40	20.0	20.0	NUM
asfbr-2	43	41	%	%	NOUN
asfbr-2	43	42	respectively	respectively	ADV
asfbr-2	43	43	.	.	PUNCT
asfbr-2	44	1	the	the	DET
asfbr-2	44	2	acknowledgment	acknowledgment	NOUN
asfbr-2	44	3	,	,	PUNCT
asfbr-2	44	4	dimension	dimension	NOUN
asfbr-2	44	5	,	,	PUNCT
asfbr-2	44	6	manage	manage	NOUN
asfbr-2	44	7	and	and	CCONJ
asfbr-2	44	8	supervision	supervision	NOUN
asfbr-2	44	9	of	of	ADP
asfbr-2	44	10	credit	credit	NOUN
asfbr-2	44	11	risk	risk	NOUN
asfbr-2	44	12	are	be	AUX
asfbr-2	44	13	,	,	PUNCT
asfbr-2	44	14	therefore	therefore	ADV
asfbr-2	44	15	,	,	PUNCT
asfbr-2	44	16	very	very	ADV
asfbr-2	44	17	significant	significant	ADJ
asfbr-2	44	18	for	for	ADP
asfbr-2	44	19	banks	bank	NOUN
asfbr-2	44	20	.	.	PUNCT
asfbr-2	45	1	there	there	PRON
asfbr-2	45	2	is	be	VERB
asfbr-2	45	3	no	no	DET
asfbr-2	45	4	financial	financial	ADJ
asfbr-2	45	5	institution	institution	NOUN
asfbr-2	45	6	that	that	PRON
asfbr-2	45	7	could	could	AUX
asfbr-2	45	8	avoid	avoid	VERB
asfbr-2	45	9	any	any	DET
asfbr-2	45	10	types	type	NOUN
asfbr-2	45	11	of	of	ADP
asfbr-2	45	12	risks	risk	NOUN
asfbr-2	45	13	.	.	PUNCT
asfbr-2	46	1	1.1	1.1	NUM
asfbr-2	46	2	objective	objective	NOUN
asfbr-2	46	3	of	of	ADP
asfbr-2	46	4	the	the	DET
asfbr-2	46	5	research	research	NOUN
asfbr-2	46	6	the	the	DET
asfbr-2	46	7	major	major	ADJ
asfbr-2	46	8	objective	objective	NOUN
asfbr-2	46	9	of	of	ADP
asfbr-2	46	10	the	the	DET
asfbr-2	46	11	study	study	NOUN
asfbr-2	46	12	is	be	AUX
asfbr-2	46	13	to	to	PART
asfbr-2	46	14	analyze	analyze	VERB
asfbr-2	46	15	the	the	DET
asfbr-2	46	16	practice	practice	NOUN
asfbr-2	46	17	of	of	ADP
asfbr-2	46	18	credit	credit	NOUN
asfbr-2	46	19	risk	risk	NOUN
asfbr-2	46	20	sources	source	NOUN
asfbr-2	46	21	in	in	ADP
asfbr-2	46	22	some	some	DET
asfbr-2	46	23	selected	select	VERB
asfbr-2	46	24	commercial	commercial	ADJ
asfbr-2	46	25	banks	bank	NOUN
asfbr-2	46	26	operating	operate	VERB
asfbr-2	46	27	in	in	ADP
asfbr-2	46	28	nepal	nepal	ADJ
asfbr-2	46	29	.	.	PUNCT
asfbr-2	47	1	the	the	DET
asfbr-2	47	2	key	key	ADJ
asfbr-2	47	3	objective	objective	NOUN
asfbr-2	47	4	of	of	ADP
asfbr-2	47	5	this	this	DET
asfbr-2	47	6	research	research	NOUN
asfbr-2	47	7	is	be	AUX
asfbr-2	47	8	to	to	PART
asfbr-2	47	9	ascertain	ascertain	VERB
asfbr-2	47	10	relationship	relationship	NOUN
asfbr-2	47	11	between	between	ADP
asfbr-2	47	12	identification	identification	NOUN
asfbr-2	47	13	practice	practice	NOUN
asfbr-2	47	14	and	and	CCONJ
asfbr-2	47	15	sources	source	NOUN
asfbr-2	47	16	of	of	ADP
asfbr-2	47	17	credit	credit	NOUN
asfbr-2	47	18	risk	risk	NOUN
asfbr-2	47	19	in	in	ADP
asfbr-2	47	20	nepalese	nepalese	ADJ
asfbr-2	47	21	commercial	commercial	ADJ
asfbr-2	47	22	banks	bank	NOUN
asfbr-2	47	23	.	.	PUNCT
asfbr-2	48	1	1.2	1.2	NUM
asfbr-2	48	2	hypothesis	hypothesis	NOUN
asfbr-2	48	3	of	of	ADP
asfbr-2	48	4	the	the	DET
asfbr-2	48	5	research	research	NOUN
asfbr-2	48	6	to	to	PART
asfbr-2	48	7	fulfill	fulfill	VERB
asfbr-2	48	8	the	the	DET
asfbr-2	48	9	predefined	predefine	VERB
asfbr-2	48	10	objectives	objective	NOUN
asfbr-2	48	11	of	of	ADP
asfbr-2	48	12	this	this	DET
asfbr-2	48	13	study	study	NOUN
asfbr-2	48	14	,	,	PUNCT
asfbr-2	48	15	the	the	DET
asfbr-2	48	16	following	follow	VERB
asfbr-2	48	17	hypotheses	hypothesis	NOUN
asfbr-2	48	18	were	be	AUX
asfbr-2	48	19	developed	develop	VERB
asfbr-2	48	20	and	and	CCONJ
asfbr-2	48	21	tested	test	VERB
asfbr-2	48	22	by	by	ADP
asfbr-2	48	23	using	use	VERB
asfbr-2	48	24	statistical	statistical	ADJ
asfbr-2	48	25	tools	tool	NOUN
asfbr-2	48	26	.	.	PUNCT
asfbr-2	49	1	h1	h1	PROPN
asfbr-2	49	2	:	:	PUNCT
asfbr-2	49	3	there	there	PRON
asfbr-2	49	4	are	be	VERB
asfbr-2	49	5	significant	significant	ADJ
asfbr-2	49	6	differences	difference	NOUN
asfbr-2	49	7	between	between	ADP
asfbr-2	49	8	state	state	NOUN
asfbr-2	49	9	-	-	PUNCT
asfbr-2	49	10	owned	own	VERB
asfbr-2	49	11	and	and	CCONJ
asfbr-2	49	12	private	private	ADJ
asfbr-2	49	13	sector	sector	NOUN
asfbr-2	49	14	banks	bank	NOUN
asfbr-2	49	15	in	in	ADP
asfbr-2	49	16	the	the	DET
asfbr-2	49	17	practice	practice	NOUN
asfbr-2	49	18	of	of	ADP
asfbr-2	49	19	measuring	measure	VERB
asfbr-2	49	20	the	the	DET
asfbr-2	49	21	sources	source	NOUN
asfbr-2	49	22	of	of	ADP
asfbr-2	49	23	credit	credit	NOUN
asfbr-2	49	24	risk	risk	NOUN
asfbr-2	49	25	.	.	PUNCT
asfbr-2	50	1	h2	h2	NOUN
asfbr-2	50	2	:	:	PUNCT
asfbr-2	50	3	there	there	PRON
asfbr-2	50	4	is	be	VERB
asfbr-2	50	5	positive	positive	ADJ
asfbr-2	50	6	relationship	relationship	NOUN
asfbr-2	50	7	between	between	ADP
asfbr-2	50	8	identification	identification	NOUN
asfbr-2	50	9	practice	practice	NOUN
asfbr-2	50	10	and	and	CCONJ
asfbr-2	50	11	sources	source	NOUN
asfbr-2	50	12	of	of	ADP
asfbr-2	50	13	credit	credit	NOUN
asfbr-2	50	14	risk	risk	NOUN
asfbr-2	50	15	.	.	PUNCT
asfbr-2	51	1	1.3	1.3	NUM
asfbr-2	51	2	definition	definition	NOUN
asfbr-2	51	3	of	of	ADP
asfbr-2	51	4	key	key	ADJ
asfbr-2	51	5	variables	variable	NOUN
asfbr-2	51	6	the	the	DET
asfbr-2	51	7	major	major	ADJ
asfbr-2	51	8	aim	aim	NOUN
asfbr-2	51	9	of	of	ADP
asfbr-2	51	10	credit	credit	NOUN
asfbr-2	51	11	analysis	analysis	NOUN
asfbr-2	51	12	is	be	AUX
asfbr-2	51	13	to	to	PART
asfbr-2	51	14	find	find	VERB
asfbr-2	51	15	out	out	ADP
asfbr-2	51	16	the	the	DET
asfbr-2	51	17	risk	risk	NOUN
asfbr-2	51	18	level	level	NOUN
asfbr-2	51	19	of	of	ADP
asfbr-2	51	20	the	the	DET
asfbr-2	51	21	borrowers	borrower	NOUN
asfbr-2	51	22	for	for	ADP
asfbr-2	51	23	credit	credit	NOUN
asfbr-2	51	24	decision	decision	NOUN
asfbr-2	51	25	.	.	PUNCT
asfbr-2	52	1	for	for	ADP
asfbr-2	52	2	this	this	DET
asfbr-2	52	3	purpose	purpose	NOUN
asfbr-2	52	4	the	the	DET
asfbr-2	52	5	following	follow	VERB
asfbr-2	52	6	factors	factor	NOUN
asfbr-2	52	7	will	will	AUX
asfbr-2	52	8	be	be	AUX
asfbr-2	52	9	considered	consider	VERB
asfbr-2	52	10	either	either	CCONJ
asfbr-2	52	11	implicitly	implicitly	ADV
asfbr-2	52	12	or	or	CCONJ
asfbr-2	52	13	explicitly	explicitly	ADV
asfbr-2	52	14	during	during	ADP
asfbr-2	52	15	the	the	DET
asfbr-2	52	16	credit	credit	NOUN
asfbr-2	52	17	risk	risk	NOUN
asfbr-2	52	18	analysis	analysis	NOUN
asfbr-2	52	19	(	(	PUNCT
asfbr-2	52	20	joseph	joseph	PROPN
asfbr-2	52	21	,	,	PUNCT
asfbr-2	52	22	2014	2014	NUM
asfbr-2	52	23	,	,	PUNCT
asfbr-2	52	24	pp	pp	ADJ
asfbr-2	52	25	.	.	PUNCT
asfbr-2	53	1	24	24	NUM
asfbr-2	53	2	-	-	SYM
asfbr-2	53	3	25	25	NUM
asfbr-2	53	4	)	)	PUNCT
asfbr-2	53	5	.	.	PUNCT
asfbr-2	54	1	for	for	ADP
asfbr-2	54	2	this	this	DET
asfbr-2	54	3	purpose	purpose	NOUN
asfbr-2	54	4	commercial	commercial	ADJ
asfbr-2	54	5	banks	bank	NOUN
asfbr-2	54	6	use	use	VERB
asfbr-2	54	7	the	the	DET
asfbr-2	54	8	five	five	NUM
asfbr-2	54	9	c	c	NOUN
asfbr-2	54	10	principle	principle	NOUN
asfbr-2	54	11	for	for	ADP
asfbr-2	54	12	credit	credit	NOUN
asfbr-2	54	13	granting	grant	VERB
asfbr-2	54	14	process	process	NOUN
asfbr-2	54	15	.	.	PUNCT
asfbr-2	55	1	1.3.1	1.3.1	NUM
asfbr-2	55	2	character	character	NOUN
asfbr-2	55	3	of	of	ADP
asfbr-2	55	4	the	the	DET
asfbr-2	55	5	borrower	borrower	NOUN
asfbr-2	55	6	character	character	NOUN
asfbr-2	55	7	shows	show	VERB
asfbr-2	55	8	the	the	DET
asfbr-2	55	9	integrity	integrity	NOUN
asfbr-2	55	10	and	and	CCONJ
asfbr-2	55	11	honesty	honesty	NOUN
asfbr-2	55	12	of	of	ADP
asfbr-2	55	13	the	the	DET
asfbr-2	55	14	borrower	borrower	NOUN
asfbr-2	55	15	to	to	PART
asfbr-2	55	16	settle	settle	VERB
asfbr-2	55	17	the	the	DET
asfbr-2	55	18	dues	due	NOUN
asfbr-2	55	19	in	in	ADP
asfbr-2	55	20	time	time	NOUN
asfbr-2	55	21	.	.	PUNCT
asfbr-2	56	1	it	it	PRON
asfbr-2	56	2	is	be	AUX
asfbr-2	56	3	related	relate	VERB
asfbr-2	56	4	that	that	SCONJ
asfbr-2	56	5	the	the	DET
asfbr-2	56	6	history	history	NOUN
asfbr-2	56	7	of	of	ADP
asfbr-2	56	8	credit	credit	NOUN
asfbr-2	56	9	has	have	AUX
asfbr-2	56	10	recorded	record	VERB
asfbr-2	56	11	several	several	ADJ
asfbr-2	56	12	instances	instance	NOUN
asfbr-2	56	13	where	where	SCONJ
asfbr-2	56	14	the	the	DET
asfbr-2	56	15	borrower	borrower	NOUN
asfbr-2	56	16	had	have	VERB
asfbr-2	56	17	the	the	DET
asfbr-2	56	18	capacity	capacity	NOUN
asfbr-2	56	19	to	to	PART
asfbr-2	56	20	repay	repay	VERB
asfbr-2	56	21	but	but	CCONJ
asfbr-2	56	22	not	not	PART
asfbr-2	56	23	the	the	DET
asfbr-2	56	24	willingness	willingness	NOUN
asfbr-2	56	25	.	.	PUNCT
asfbr-2	57	1	a	a	DET
asfbr-2	57	2	banker	banker	NOUN
asfbr-2	57	3	takes	take	VERB
asfbr-2	57	4	an	an	DET
asfbr-2	57	5	informed	informed	ADJ
asfbr-2	57	6	view	view	NOUN
asfbr-2	57	7	about	about	ADP
asfbr-2	57	8	the	the	DET
asfbr-2	57	9	character	character	NOUN
asfbr-2	57	10	of	of	ADP
asfbr-2	57	11	the	the	DET
asfbr-2	57	12	borrower	borrower	NOUN
asfbr-2	57	13	through	through	ADP
asfbr-2	57	14	the	the	DET
asfbr-2	57	15	study	study	NOUN
asfbr-2	57	16	of	of	ADP
asfbr-2	57	17	ownership	ownership	NOUN
asfbr-2	57	18	,	,	PUNCT
asfbr-2	57	19	management	management	NOUN
asfbr-2	57	20	,	,	PUNCT
asfbr-2	57	21	business	business	NOUN
asfbr-2	57	22	transactions	transaction	NOUN
asfbr-2	57	23	as	as	ADV
asfbr-2	57	24	well	well	ADV
asfbr-2	57	25	as	as	ADP
asfbr-2	57	26	business	business	NOUN
asfbr-2	57	27	history	history	NOUN
asfbr-2	57	28	from	from	ADP
asfbr-2	57	29	the	the	DET
asfbr-2	57	30	appropriate	appropriate	ADJ
asfbr-2	57	31	market	market	NOUN
asfbr-2	57	32	enquires	enquire	NOUN
asfbr-2	57	33	.	.	PUNCT
asfbr-2	58	1	the	the	DET
asfbr-2	58	2	quality	quality	NOUN
asfbr-2	58	3	and	and	CCONJ
asfbr-2	58	4	reliability	reliability	NOUN
asfbr-2	58	5	of	of	ADP
asfbr-2	58	6	the	the	DET
asfbr-2	58	7	references	reference	NOUN
asfbr-2	58	8	will	will	AUX
asfbr-2	58	9	be	be	AUX
asfbr-2	58	10	checked	check	VERB
asfbr-2	58	11	for	for	ADP
asfbr-2	58	12	final	final	ADJ
asfbr-2	58	13	consideration	consideration	NOUN
asfbr-2	58	14	.	.	PUNCT
asfbr-2	59	1	the	the	DET
asfbr-2	59	2	background	background	NOUN
asfbr-2	59	3	and	and	CCONJ
asfbr-2	59	4	experience	experience	NOUN
asfbr-2	59	5	level	level	NOUN
asfbr-2	59	6	of	of	ADP
asfbr-2	59	7	employees	employee	NOUN
asfbr-2	59	8	play	play	VERB
asfbr-2	59	9	the	the	DET
asfbr-2	59	10	essential	essential	ADJ
asfbr-2	59	11	role	role	NOUN
asfbr-2	59	12	to	to	PART
asfbr-2	59	13	indentify	indentify	VERB
asfbr-2	59	14	the	the	DET
asfbr-2	59	15	honesty	honesty	NOUN
asfbr-2	59	16	and	and	CCONJ
asfbr-2	59	17	integrity	integrity	NOUN
asfbr-2	59	18	of	of	ADP
asfbr-2	59	19	the	the	DET
asfbr-2	59	20	borrowers	borrower	NOUN
asfbr-2	59	21	.	.	PUNCT
asfbr-2	60	1	1.3.2	1.3.2	NUM
asfbr-2	60	2	capacity	capacity	NOUN
asfbr-2	60	3	it	it	PRON
asfbr-2	60	4	is	be	AUX
asfbr-2	60	5	the	the	DET
asfbr-2	60	6	borrower	borrower	NOUN
asfbr-2	60	7	’s	’s	PART
asfbr-2	60	8	capacity	capacity	NOUN
asfbr-2	60	9	to	to	PART
asfbr-2	60	10	meet	meet	VERB
asfbr-2	60	11	their	their	PRON
asfbr-2	60	12	debt	debt	NOUN
asfbr-2	60	13	service	service	NOUN
asfbr-2	60	14	obligation	obligation	NOUN
asfbr-2	60	15	studied	study	VERB
asfbr-2	60	16	during	during	ADP
asfbr-2	60	17	the	the	DET
asfbr-2	60	18	credit	credit	NOUN
asfbr-2	60	19	decision	decision	NOUN
asfbr-2	60	20	.	.	PUNCT
asfbr-2	61	1	in	in	ADP
asfbr-2	61	2	the	the	DET
asfbr-2	61	3	case	case	NOUN
asfbr-2	61	4	of	of	ADP
asfbr-2	61	5	business	business	NOUN
asfbr-2	61	6	lending	lending	NOUN
asfbr-2	61	7	this	this	PRON
asfbr-2	61	8	is	be	AUX
asfbr-2	61	9	done	do	VERB
asfbr-2	61	10	through	through	ADP
asfbr-2	61	11	the	the	DET
asfbr-2	61	12	financial	financial	ADJ
asfbr-2	61	13	statements	statement	NOUN
asfbr-2	61	14	analysis	analysis	NOUN
asfbr-2	61	15	.	.	PUNCT
asfbr-2	62	1	financial	financial	ADJ
asfbr-2	62	2	statements	statement	NOUN
asfbr-2	62	3	including	include	VERB
asfbr-2	62	4	interpretation	interpretation	NOUN
asfbr-2	62	5	of	of	ADP
asfbr-2	62	6	financial	financial	ADJ
asfbr-2	62	7	ratios	ratio	NOUN
asfbr-2	62	8	that	that	PRON
asfbr-2	62	9	indicates	indicate	VERB
asfbr-2	62	10	the	the	DET
asfbr-2	62	11	ability	ability	NOUN
asfbr-2	62	12	to	to	PART
asfbr-2	62	13	pay	pay	VERB
asfbr-2	62	14	.	.	PUNCT
asfbr-2	63	1	capacity	capacity	NOUN
asfbr-2	63	2	to	to	PART
asfbr-2	63	3	repay	repay	VERB
asfbr-2	63	4	is	be	AUX
asfbr-2	63	5	the	the	DET
asfbr-2	63	6	most	most	ADV
asfbr-2	63	7	serious	serious	ADJ
asfbr-2	63	8	of	of	ADP
asfbr-2	63	9	the	the	DET
asfbr-2	63	10	five	five	NUM
asfbr-2	63	11	factors	factor	NOUN
asfbr-2	63	12	;	;	PUNCT
asfbr-2	63	13	it	it	PRON
asfbr-2	63	14	is	be	AUX
asfbr-2	63	15	the	the	DET
asfbr-2	63	16	primary	primary	ADJ
asfbr-2	63	17	source	source	NOUN
asfbr-2	63	18	of	of	ADP
asfbr-2	63	19	repayment	repayment	NOUN
asfbr-2	63	20	–	–	PUNCT
asfbr-2	63	21	cash	cash	NOUN
asfbr-2	63	22	inflows	inflow	NOUN
asfbr-2	63	23	and	and	CCONJ
asfbr-2	63	24	cash	cash	NOUN
asfbr-2	63	25	generated	generate	VERB
asfbr-2	63	26	by	by	ADP
asfbr-2	63	27	the	the	DET
asfbr-2	63	28	borrower	borrower	NOUN
asfbr-2	63	29	.	.	PUNCT
asfbr-2	64	1	the	the	DET
asfbr-2	64	2	prospective	prospective	ADJ
asfbr-2	64	3	lender	lender	NOUN
asfbr-2	64	4	wants	want	VERB
asfbr-2	64	5	to	to	PART
asfbr-2	64	6	identify	identify	VERB
asfbr-2	64	7	exactly	exactly	ADV
asfbr-2	64	8	how	how	SCONJ
asfbr-2	64	9	the	the	DET
asfbr-2	64	10	borrower	borrower	NOUN
asfbr-2	64	11	intends	intend	VERB
asfbr-2	64	12	to	to	PART
asfbr-2	64	13	repay	repay	VERB
asfbr-2	64	14	the	the	DET
asfbr-2	64	15	loan	loan	NOUN
asfbr-2	64	16	.	.	PUNCT
asfbr-2	65	1	the	the	DET
asfbr-2	65	2	bank	bank	NOUN
asfbr-2	65	3	will	will	AUX
asfbr-2	65	4	judge	judge	VERB
asfbr-2	65	5	the	the	DET
asfbr-2	65	6	cash	cash	NOUN
asfbr-2	65	7	flow	flow	NOUN
asfbr-2	65	8	from	from	ADP
asfbr-2	65	9	the	the	DET
asfbr-2	65	10	business	business	NOUN
asfbr-2	65	11	,	,	PUNCT
asfbr-2	65	12	the	the	DET
asfbr-2	65	13	timing	timing	NOUN
asfbr-2	65	14	of	of	ADP
asfbr-2	65	15	the	the	DET
asfbr-2	65	16	repayment	repayment	NOUN
asfbr-2	65	17	of	of	ADP
asfbr-2	65	18	loan	loan	NOUN
asfbr-2	65	19	,	,	PUNCT
asfbr-2	65	20	and	and	CCONJ
asfbr-2	65	21	the	the	DET
asfbr-2	65	22	probability	probability	NOUN
asfbr-2	65	23	of	of	ADP
asfbr-2	65	24	successful	successful	ADJ
asfbr-2	65	25	repayment	repayment	NOUN
asfbr-2	65	26	.	.	PUNCT
asfbr-2	66	1	payment	payment	NOUN
asfbr-2	66	2	history	history	NOUN
asfbr-2	66	3	on	on	ADP
asfbr-2	66	4	existing	exist	VERB
asfbr-2	66	5	credit	credit	NOUN
asfbr-2	66	6	relationships	relationship	NOUN
asfbr-2	66	7	personal	personal	ADJ
asfbr-2	66	8	or	or	CCONJ
asfbr-2	66	9	commercial	commercial	ADJ
asfbr-2	66	10	is	be	AUX
asfbr-2	66	11	considered	consider	VERB
asfbr-2	66	12	an	an	DET
asfbr-2	66	13	indicator	indicator	NOUN
asfbr-2	66	14	of	of	ADP
asfbr-2	66	15	future	future	ADJ
asfbr-2	66	16	payment	payment	NOUN
asfbr-2	66	17	performance	performance	NOUN
asfbr-2	66	18	.	.	PUNCT
asfbr-2	67	1	the	the	DET
asfbr-2	67	2	business	business	NOUN
asfbr-2	67	3	is	be	AUX
asfbr-2	67	4	influenced	influence	VERB
asfbr-2	67	5	by	by	ADP
asfbr-2	67	6	external	external	ADJ
asfbr-2	67	7	factors	factor	NOUN
asfbr-2	67	8	such	such	ADJ
asfbr-2	67	9	as	as	ADP
asfbr-2	67	10	government	government	NOUN
asfbr-2	67	11	policy	policy	NOUN
asfbr-2	67	12	,	,	PUNCT
asfbr-2	67	13	economic	economic	ADJ
asfbr-2	67	14	policy	policy	NOUN
asfbr-2	67	15	,	,	PUNCT
asfbr-2	67	16	national	national	ADJ
asfbr-2	67	17	income	income	NOUN
asfbr-2	67	18	etc	etc	X
asfbr-2	67	19	;	;	PUNCT
asfbr-2	67	20	it	it	PRON
asfbr-2	67	21	is	be	AUX
asfbr-2	67	22	necessary	necessary	ADJ
asfbr-2	67	23	to	to	PART
asfbr-2	67	24	assess	assess	VERB
asfbr-2	67	25	the	the	DET
asfbr-2	67	26	capacity	capacity	NOUN
asfbr-2	67	27	of	of	ADP
asfbr-2	67	28	the	the	DET
asfbr-2	67	29	borrower	borrower	NOUN
asfbr-2	67	30	.	.	PUNCT
asfbr-2	68	1	so	so	ADV
asfbr-2	68	2	,	,	PUNCT
asfbr-2	68	3	bank	bank	NOUN
asfbr-2	68	4	will	will	AUX
asfbr-2	68	5	also	also	ADV
asfbr-2	68	6	want	want	VERB
asfbr-2	68	7	to	to	PART
asfbr-2	68	8	know	know	VERB
asfbr-2	68	9	about	about	ADP
asfbr-2	68	10	other	other	ADJ
asfbr-2	68	11	possible	possible	ADJ
asfbr-2	68	12	sources	source	NOUN
asfbr-2	68	13	of	of	ADP
asfbr-2	68	14	repayment	repayment	NOUN
asfbr-2	68	15	.	.	PUNCT
asfbr-2	69	1	1.3.3	1.3.3	NUM
asfbr-2	69	2	capital	capital	NOUN
asfbr-2	69	3	a	a	DET
asfbr-2	69	4	bank	bank	NOUN
asfbr-2	69	5	would	would	AUX
asfbr-2	69	6	ensure	ensure	VERB
asfbr-2	69	7	that	that	SCONJ
asfbr-2	69	8	the	the	DET
asfbr-2	69	9	borrower	borrower	NOUN
asfbr-2	69	10	has	have	VERB
asfbr-2	69	11	a	a	DET
asfbr-2	69	12	sufficient	sufficient	ADJ
asfbr-2	69	13	stake	stake	NOUN
asfbr-2	69	14	in	in	ADP
asfbr-2	69	15	the	the	DET
asfbr-2	69	16	business	business	NOUN
asfbr-2	69	17	.	.	PUNCT
asfbr-2	70	1	higher	high	ADJ
asfbr-2	70	2	the	the	DET
asfbr-2	70	3	capital	capital	NOUN
asfbr-2	70	4	contribution	contribution	NOUN
asfbr-2	70	5	by	by	ADP
asfbr-2	70	6	the	the	DET
asfbr-2	70	7	owner	owner	NOUN
asfbr-2	70	8	in	in	ADP
asfbr-2	70	9	the	the	DET
asfbr-2	70	10	business	business	NOUN
asfbr-2	70	11	is	be	AUX
asfbr-2	70	12	considered	consider	VERB
asfbr-2	70	13	the	the	DET
asfbr-2	70	14	better	well	ADJ
asfbr-2	70	15	capacity	capacity	NOUN
asfbr-2	70	16	,	,	PUNCT
asfbr-2	70	17	because	because	SCONJ
asfbr-2	70	18	a	a	DET
asfbr-2	70	19	large	large	ADJ
asfbr-2	70	20	involvement	involvement	NOUN
asfbr-2	70	21	by	by	ADP
asfbr-2	70	22	the	the	DET
asfbr-2	70	23	borrower	borrower	NOUN
asfbr-2	70	24	will	will	AUX
asfbr-2	70	25	reduce	reduce	VERB
asfbr-2	70	26	the	the	DET
asfbr-2	70	27	chance	chance	NOUN
asfbr-2	70	28	of	of	ADP
asfbr-2	70	29	default	default	NOUN
asfbr-2	70	30	.	.	PUNCT
asfbr-2	71	1	1.3.4	1.3.4	NUM
asfbr-2	71	2	collaterals	collateral	NOUN
asfbr-2	71	3	collaterals	collateral	NOUN
asfbr-2	71	4	means	mean	VERB
asfbr-2	71	5	the	the	DET
asfbr-2	71	6	asset	asset	NOUN
asfbr-2	71	7	offered	offer	VERB
asfbr-2	71	8	by	by	ADP
asfbr-2	71	9	the	the	DET
asfbr-2	71	10	borrower	borrower	NOUN
asfbr-2	71	11	to	to	PART
asfbr-2	71	12	secure	secure	VERB
asfbr-2	71	13	the	the	DET
asfbr-2	71	14	loan	loan	NOUN
asfbr-2	71	15	,	,	PUNCT
asfbr-2	71	16	such	such	ADJ
asfbr-2	71	17	as	as	ADP
asfbr-2	71	18	a	a	DET
asfbr-2	71	19	property	property	NOUN
asfbr-2	71	20	,	,	PUNCT
asfbr-2	71	21	to	to	ADP
asfbr-2	71	22	the	the	DET
asfbr-2	71	23	lender	lender	NOUN
asfbr-2	71	24	with	with	ADP
asfbr-2	71	25	the	the	DET
asfbr-2	71	26	agreement	agreement	NOUN
asfbr-2	71	27	that	that	PRON
asfbr-2	71	28	it	it	PRON
asfbr-2	71	29	will	will	AUX
asfbr-2	71	30	be	be	AUX
asfbr-2	71	31	the	the	DET
asfbr-2	71	32	repayment	repayment	NOUN
asfbr-2	71	33	source	source	NOUN
asfbr-2	71	34	in	in	ADP
asfbr-2	71	35	case	case	NOUN
asfbr-2	71	36	the	the	DET
asfbr-2	71	37	loan	loan	NOUN
asfbr-2	71	38	is	be	AUX
asfbr-2	71	39	not	not	PART
asfbr-2	71	40	pay	pay	VERB
asfbr-2	71	41	back	back	ADV
asfbr-2	71	42	from	from	ADP
asfbr-2	71	43	the	the	DET
asfbr-2	71	44	established	establish	VERB
asfbr-2	71	45	sources	source	NOUN
asfbr-2	71	46	as	as	SCONJ
asfbr-2	71	47	per	per	ADP
asfbr-2	71	48	terms	term	NOUN
asfbr-2	71	49	and	and	CCONJ
asfbr-2	71	50	conditions	condition	NOUN
asfbr-2	71	51	agreed	agree	VERB
asfbr-2	71	52	for	for	ADP
asfbr-2	71	53	the	the	DET
asfbr-2	71	54	financing	financing	NOUN
asfbr-2	71	55	.	.	PUNCT
asfbr-2	72	1	some	some	DET
asfbr-2	72	2	lenders	lender	NOUN
asfbr-2	72	3	may	may	AUX
asfbr-2	72	4	require	require	VERB
asfbr-2	72	5	a	a	DET
asfbr-2	72	6	guarantee	guarantee	NOUN
asfbr-2	72	7	in	in	ADP
asfbr-2	72	8	addition	addition	NOUN
asfbr-2	72	9	to	to	ADP
asfbr-2	72	10	collateral	collateral	NOUN
asfbr-2	72	11	as	as	ADP
asfbr-2	72	12	security	security	NOUN
asfbr-2	72	13	for	for	ADP
asfbr-2	72	14	a	a	DET
asfbr-2	72	15	loan	loan	NOUN
asfbr-2	72	16	.	.	PUNCT
asfbr-2	73	1	collateral	collateral	NOUN
asfbr-2	73	2	is	be	AUX
asfbr-2	73	3	considered	consider	VERB
asfbr-2	73	4	the	the	DET
asfbr-2	73	5	subsequent	subsequent	ADJ
asfbr-2	73	6	way	way	NOUN
asfbr-2	73	7	out	out	ADP
asfbr-2	73	8	by	by	ADP
asfbr-2	73	9	the	the	DET
asfbr-2	73	10	lender	lender	NOUN
asfbr-2	73	11	in	in	ADP
asfbr-2	73	12	case	case	NOUN
asfbr-2	73	13	the	the	DET
asfbr-2	73	14	credits	credit	NOUN
asfbr-2	73	15	become	become	VERB
asfbr-2	73	16	default	default	NOUN
asfbr-2	73	17	.	.	PUNCT
asfbr-2	74	1	1.3.5	1.3.5	NUM
asfbr-2	74	2	conditions	condition	NOUN
asfbr-2	74	3	conditions	condition	NOUN
asfbr-2	74	4	cover	cover	VERB
asfbr-2	74	5	terms	term	NOUN
asfbr-2	74	6	and	and	CCONJ
asfbr-2	74	7	covenants	covenant	NOUN
asfbr-2	74	8	included	include	VERB
asfbr-2	74	9	in	in	ADP
asfbr-2	74	10	the	the	DET
asfbr-2	74	11	loan	loan	NOUN
asfbr-2	74	12	or	or	CCONJ
asfbr-2	74	13	credit	credit	NOUN
asfbr-2	74	14	facilities	facility	NOUN
asfbr-2	74	15	agreement	agreement	NOUN
asfbr-2	74	16	letter	letter	NOUN
asfbr-2	74	17	.	.	PUNCT
asfbr-2	75	1	it	it	PRON
asfbr-2	75	2	describes	describe	VERB
asfbr-2	75	3	the	the	DET
asfbr-2	75	4	intended	intended	ADJ
asfbr-2	75	5	purpose	purpose	NOUN
asfbr-2	75	6	of	of	ADP
asfbr-2	75	7	the	the	DET
asfbr-2	75	8	loan	loan	NOUN
asfbr-2	75	9	and	and	CCONJ
asfbr-2	75	10	the	the	DET
asfbr-2	75	11	conditions	condition	NOUN
asfbr-2	75	12	under	under	ADP
asfbr-2	75	13	which	which	PRON
asfbr-2	75	14	the	the	DET
asfbr-2	75	15	credit	credit	NOUN
asfbr-2	75	16	is	be	AUX
asfbr-2	75	17	being	be	AUX
asfbr-2	75	18	granted	grant	VERB
asfbr-2	75	19	.	.	PUNCT
asfbr-2	76	1	the	the	DET
asfbr-2	76	2	bank	bank	NOUN
asfbr-2	76	3	must	must	AUX
asfbr-2	76	4	ensure	ensure	VERB
asfbr-2	76	5	that	that	SCONJ
asfbr-2	76	6	the	the	DET
asfbr-2	76	7	loan	loan	NOUN
asfbr-2	76	8	agreement	agreement	NOUN
asfbr-2	76	9	clauses	clause	NOUN
asfbr-2	76	10	are	be	AUX
asfbr-2	76	11	legally	legally	ADV
asfbr-2	76	12	enforceable	enforceable	ADJ
asfbr-2	76	13	.	.	PUNCT
asfbr-2	77	1	instead	instead	ADV
asfbr-2	77	2	of	of	ADP
asfbr-2	77	3	five	five	NUM
asfbr-2	77	4	c	c	NOUN
asfbr-2	77	5	principle	principle	NOUN
asfbr-2	77	6	,	,	PUNCT
asfbr-2	77	7	legality	legality	NOUN
asfbr-2	77	8	of	of	ADP
asfbr-2	77	9	the	the	DET
asfbr-2	77	10	business	business	NOUN
asfbr-2	77	11	,	,	PUNCT
asfbr-2	77	12	economy	economy	NOUN
asfbr-2	77	13	of	of	ADP
asfbr-2	77	14	the	the	DET
asfbr-2	77	15	country	country	NOUN
asfbr-2	77	16	,	,	PUNCT
asfbr-2	77	17	business	business	NOUN
asfbr-2	77	18	environment	environment	NOUN
asfbr-2	77	19	and	and	CCONJ
asfbr-2	77	20	industrial	industrial	ADJ
asfbr-2	77	21	relation	relation	NOUN
asfbr-2	77	22	are	be	AUX
asfbr-2	77	23	also	also	ADV
asfbr-2	77	24	considered	consider	VERB
asfbr-2	77	25	as	as	ADP
asfbr-2	77	26	key	key	ADJ
asfbr-2	77	27	components	component	NOUN
asfbr-2	77	28	for	for	ADP
asfbr-2	77	29	credit	credit	NOUN
asfbr-2	77	30	risk	risk	NOUN
asfbr-2	77	31	assessment	assessment	NOUN
asfbr-2	77	32	.	.	PUNCT
asfbr-2	78	1	lack	lack	NOUN
asfbr-2	78	2	of	of	ADP
asfbr-2	78	3	the	the	DET
asfbr-2	78	4	proper	proper	ADJ
asfbr-2	78	5	assessment	assessment	NOUN
asfbr-2	78	6	,	,	PUNCT
asfbr-2	78	7	bank	bank	NOUN
asfbr-2	78	8	faces	face	VERB
asfbr-2	78	9	the	the	DET
asfbr-2	78	10	risk	risk	NOUN
asfbr-2	78	11	from	from	ADP
asfbr-2	78	12	these	these	DET
asfbr-2	78	13	area	area	NOUN
asfbr-2	78	14	.	.	PUNCT
asfbr-2	79	1	so	so	ADV
asfbr-2	79	2	that	that	DET
asfbr-2	79	3	collaterals	collateral	NOUN
asfbr-2	79	4	,	,	PUNCT
asfbr-2	79	5	characters	character	NOUN
asfbr-2	79	6	of	of	ADP
asfbr-2	79	7	the	the	DET
asfbr-2	79	8	borrower	borrower	NOUN
asfbr-2	79	9	,	,	PUNCT
asfbr-2	79	10	capacity	capacity	NOUN
asfbr-2	79	11	,	,	PUNCT
asfbr-2	79	12	capital	capital	NOUN
asfbr-2	79	13	invested	invest	VERB
asfbr-2	79	14	by	by	ADP
asfbr-2	79	15	the	the	DET
asfbr-2	79	16	borrower	borrower	NOUN
asfbr-2	79	17	in	in	ADP
asfbr-2	79	18	the	the	DET
asfbr-2	79	19	business	business	NOUN
asfbr-2	79	20	,	,	PUNCT
asfbr-2	79	21	condition	condition	NOUN
asfbr-2	79	22	,	,	PUNCT
asfbr-2	79	23	legality	legality	NOUN
asfbr-2	79	24	of	of	ADP
asfbr-2	79	25	the	the	DET
asfbr-2	79	26	business	business	NOUN
asfbr-2	79	27	,	,	PUNCT
asfbr-2	79	28	economy	economy	NOUN
asfbr-2	79	29	of	of	ADP
asfbr-2	79	30	the	the	DET
asfbr-2	79	31	country	country	NOUN
asfbr-2	79	32	,	,	PUNCT
asfbr-2	79	33	business	business	NOUN
asfbr-2	79	34	environment	environment	NOUN
asfbr-2	79	35	and	and	CCONJ
asfbr-2	79	36	industrial	industrial	ADJ
asfbr-2	79	37	relation	relation	NOUN
asfbr-2	79	38	are	be	AUX
asfbr-2	79	39	support	support	NOUN
asfbr-2	79	40	to	to	PART
asfbr-2	79	41	produce	produce	VERB
asfbr-2	79	42	the	the	DET
asfbr-2	79	43	credit	credit	NOUN
asfbr-2	79	44	risk	risk	NOUN
asfbr-2	79	45	in	in	ADP
asfbr-2	79	46	the	the	DET
asfbr-2	79	47	bank	bank	NOUN
asfbr-2	79	48	.	.	PUNCT
asfbr-2	80	1	hence	hence	ADV
asfbr-2	80	2	,	,	PUNCT
asfbr-2	80	3	it	it	PRON
asfbr-2	80	4	is	be	AUX
asfbr-2	80	5	considered	consider	VERB
asfbr-2	80	6	sources	source	NOUN
asfbr-2	80	7	of	of	ADP
asfbr-2	80	8	credit	credit	NOUN
asfbr-2	80	9	risk	risk	NOUN
asfbr-2	80	10	as	as	ADP
asfbr-2	80	11	independent	independent	ADJ
asfbr-2	80	12	variables	variable	NOUN
asfbr-2	80	13	.	.	PUNCT
asfbr-2	81	1	2	2	X
asfbr-2	81	2	.	.	X
asfbr-2	81	3	literature	literature	NOUN
asfbr-2	81	4	review	review	PROPN
asfbr-2	81	5	credit	credit	NOUN
asfbr-2	81	6	risk	risk	NOUN
asfbr-2	81	7	can	can	AUX
asfbr-2	81	8	be	be	AUX
asfbr-2	81	9	raised	raise	VERB
asfbr-2	81	10	due	due	ADP
asfbr-2	81	11	to	to	ADP
asfbr-2	81	12	variety	variety	NOUN
asfbr-2	81	13	of	of	ADP
asfbr-2	81	14	reasons	reason	NOUN
asfbr-2	81	15	of	of	ADP
asfbr-2	81	16	both	both	CCONJ
asfbr-2	81	17	internal	internal	ADJ
asfbr-2	81	18	and	and	CCONJ
asfbr-2	81	19	external	external	ADJ
asfbr-2	81	20	sources	source	NOUN
asfbr-2	81	21	.	.	PUNCT
asfbr-2	82	1	according	accord	VERB
asfbr-2	82	2	to	to	ADP
asfbr-2	82	3	nijskens	nijskens	ADP
asfbr-2	82	4	(	(	PUNCT
asfbr-2	82	5	2011	2011	NUM
asfbr-2	82	6	)	)	PUNCT
asfbr-2	82	7	and	and	CCONJ
asfbr-2	82	8	breuer	breuer	PROPN
asfbr-2	82	9	,	,	PUNCT
asfbr-2	82	10	jandacka	jandacka	PROPN
asfbr-2	82	11	,	,	PUNCT
asfbr-2	82	12	rheinberger	rheinberger	NOUN
asfbr-2	82	13	,	,	PUNCT
asfbr-2	82	14	&	&	CCONJ
asfbr-2	82	15	summer	summer	NOUN
asfbr-2	82	16	,	,	PUNCT
asfbr-2	82	17	(	(	PUNCT
asfbr-2	82	18	2010	2010	NUM
asfbr-2	82	19	)	)	PUNCT
asfbr-2	82	20	,	,	PUNCT
asfbr-2	82	21	the	the	DET
asfbr-2	82	22	sources	source	NOUN
asfbr-2	82	23	of	of	ADP
asfbr-2	82	24	credit	credit	NOUN
asfbr-2	82	25	risk	risk	NOUN
asfbr-2	82	26	includes	include	VERB
asfbr-2	82	27	poor	poor	ADJ
asfbr-2	82	28	governance	governance	NOUN
asfbr-2	82	29	and	and	CCONJ
asfbr-2	82	30	management	management	NOUN
asfbr-2	82	31	control	control	NOUN
asfbr-2	82	32	,	,	PUNCT
asfbr-2	82	33	inappropriate	inappropriate	ADJ
asfbr-2	82	34	laws	law	NOUN
asfbr-2	82	35	,	,	PUNCT
asfbr-2	82	36	limited	limited	ADJ
asfbr-2	82	37	institutional	institutional	ADJ
asfbr-2	82	38	capacity	capacity	NOUN
asfbr-2	82	39	,	,	PUNCT
asfbr-2	82	40	inappropriate	inappropriate	ADJ
asfbr-2	82	41	credit	credit	NOUN
asfbr-2	82	42	policies	policy	NOUN
asfbr-2	82	43	,	,	PUNCT
asfbr-2	82	44	volatile	volatile	ADJ
asfbr-2	82	45	interest	interest	NOUN
asfbr-2	82	46	rates	rate	NOUN
asfbr-2	82	47	,	,	PUNCT
asfbr-2	82	48	low	low	ADJ
asfbr-2	82	49	capital	capital	NOUN
asfbr-2	82	50	and	and	CCONJ
asfbr-2	82	51	liquidity	liquidity	NOUN
asfbr-2	82	52	levels	level	NOUN
asfbr-2	82	53	,	,	PUNCT
asfbr-2	82	54	directed	direct	VERB
asfbr-2	82	55	lending	lending	NOUN
asfbr-2	82	56	,	,	PUNCT
asfbr-2	82	57	massive	massive	ADJ
asfbr-2	82	58	licensing	licensing	NOUN
asfbr-2	82	59	of	of	ADP
asfbr-2	82	60	banks	bank	NOUN
asfbr-2	82	61	,	,	PUNCT
asfbr-2	82	62	poor	poor	ADJ
asfbr-2	82	63	loan	loan	NOUN
asfbr-2	82	64	underwriting	underwriting	NOUN
asfbr-2	82	65	,	,	PUNCT
asfbr-2	82	66	reckless	reckless	ADJ
asfbr-2	82	67	lending	lending	NOUN
asfbr-2	82	68	,	,	PUNCT
asfbr-2	82	69	poor	poor	ADJ
asfbr-2	82	70	credit	credit	NOUN
asfbr-2	82	71	assessment	assessment	NOUN
asfbr-2	82	72	,	,	PUNCT
asfbr-2	82	73	poor	poor	ADJ
asfbr-2	82	74	loan	loan	NOUN
asfbr-2	82	75	underwriting	underwriting	NOUN
asfbr-2	82	76	,	,	PUNCT
asfbr-2	82	77	laxity	laxity	NOUN
asfbr-2	82	78	in	in	ADP
asfbr-2	82	79	credit	credit	NOUN
asfbr-2	82	80	assessment	assessment	NOUN
asfbr-2	82	81	,	,	PUNCT
asfbr-2	82	82	poor	poor	ADJ
asfbr-2	82	83	lending	lending	NOUN
asfbr-2	82	84	practices	practice	NOUN
asfbr-2	82	85	,	,	PUNCT
asfbr-2	82	86	government	government	NOUN
asfbr-2	82	87	interference	interference	NOUN
asfbr-2	82	88	,	,	PUNCT
asfbr-2	82	89	and	and	CCONJ
asfbr-2	82	90	inadequate	inadequate	ADJ
asfbr-2	82	91	supervision	supervision	NOUN
asfbr-2	82	92	by	by	ADP
asfbr-2	82	93	the	the	DET
asfbr-2	82	94	central	central	ADJ
asfbr-2	82	95	bank	bank	NOUN
asfbr-2	82	96	.	.	PUNCT
asfbr-2	83	1	the	the	DET
asfbr-2	83	2	literature	literature	NOUN
asfbr-2	83	3	has	have	AUX
asfbr-2	83	4	recognized	recognize	VERB
asfbr-2	83	5	these	these	DET
asfbr-2	83	6	sources	source	NOUN
asfbr-2	83	7	that	that	PRON
asfbr-2	83	8	could	could	AUX
asfbr-2	83	9	lead	lead	VERB
asfbr-2	83	10	to	to	ADP
asfbr-2	83	11	credit	credit	NOUN
asfbr-2	83	12	risk	risk	NOUN
asfbr-2	83	13	in	in	ADP
asfbr-2	83	14	commercial	commercial	ADJ
asfbr-2	83	15	bank	bank	NOUN
asfbr-2	83	16	.	.	PUNCT
asfbr-2	84	1	the	the	DET
asfbr-2	84	2	levels	level	NOUN
asfbr-2	84	3	of	of	ADP
asfbr-2	84	4	credit	credit	NOUN
asfbr-2	84	5	risk	risk	NOUN
asfbr-2	84	6	incurred	incur	VERB
asfbr-2	84	7	fluctuate	fluctuate	NOUN
asfbr-2	84	8	across	across	ADP
asfbr-2	84	9	sectors	sector	NOUN
asfbr-2	84	10	as	as	ADV
asfbr-2	84	11	well	well	ADV
asfbr-2	84	12	as	as	ADP
asfbr-2	84	13	countries	country	NOUN
asfbr-2	84	14	also	also	ADV
asfbr-2	84	15	.	.	PUNCT
asfbr-2	85	1	credit	credit	NOUN
asfbr-2	85	2	risk	risk	NOUN
asfbr-2	85	3	is	be	AUX
asfbr-2	85	4	often	often	ADV
asfbr-2	85	5	considered	consider	VERB
asfbr-2	85	6	as	as	ADP
asfbr-2	85	7	a	a	DET
asfbr-2	85	8	consequence	consequence	NOUN
asfbr-2	85	9	of	of	ADP
asfbr-2	85	10	systemic	systemic	ADJ
asfbr-2	85	11	risk	risk	NOUN
asfbr-2	85	12	derived	derive	VERB
asfbr-2	85	13	from	from	ADP
asfbr-2	85	14	the	the	DET
asfbr-2	85	15	macroeconomic	macroeconomic	ADJ
asfbr-2	85	16	perspective	perspective	NOUN
asfbr-2	85	17	.	.	PUNCT
asfbr-2	86	1	the	the	DET
asfbr-2	86	2	factors	factor	NOUN
asfbr-2	86	3	influencing	influence	VERB
asfbr-2	86	4	the	the	DET
asfbr-2	86	5	systematic	systematic	ADJ
asfbr-2	86	6	credit	credit	NOUN
asfbr-2	86	7	risk	risk	NOUN
asfbr-2	86	8	are	be	AUX
asfbr-2	86	9	macroeconomic	macroeconomic	ADJ
asfbr-2	86	10	factors	factor	NOUN
asfbr-2	86	11	,	,	PUNCT
asfbr-2	86	12	changes	change	NOUN
asfbr-2	86	13	in	in	ADP
asfbr-2	86	14	economic	economic	ADJ
asfbr-2	86	15	policies	policy	NOUN
asfbr-2	86	16	,	,	PUNCT
asfbr-2	86	17	political	political	ADJ
asfbr-2	86	18	changes	change	NOUN
asfbr-2	86	19	and	and	CCONJ
asfbr-2	86	20	the	the	DET
asfbr-2	86	21	goals	goal	NOUN
asfbr-2	86	22	of	of	ADP
asfbr-2	86	23	leading	lead	VERB
asfbr-2	86	24	political	political	ADJ
asfbr-2	86	25	parties	party	NOUN
asfbr-2	86	26	macroeconomic	macroeconomic	ADJ
asfbr-2	86	27	factors	factor	NOUN
asfbr-2	86	28	include	include	VERB
asfbr-2	86	29	the	the	DET
asfbr-2	86	30	inflation	inflation	NOUN
asfbr-2	86	31	rate	rate	NOUN
asfbr-2	86	32	,	,	PUNCT
asfbr-2	86	33	the	the	DET
asfbr-2	86	34	employment	employment	NOUN
asfbr-2	86	35	rate	rate	NOUN
asfbr-2	86	36	,	,	PUNCT
asfbr-2	86	37	growth	growth	NOUN
asfbr-2	86	38	in	in	ADP
asfbr-2	86	39	gross	gross	ADJ
asfbr-2	86	40	domestic	domestic	ADJ
asfbr-2	86	41	product	product	NOUN
asfbr-2	86	42	,	,	PUNCT
asfbr-2	86	43	stock	stock	NOUN
asfbr-2	86	44	index	index	NOUN
asfbr-2	86	45	and	and	CCONJ
asfbr-2	86	46	exchange	exchange	NOUN
asfbr-2	86	47	rate	rate	NOUN
asfbr-2	86	48	movements	movement	NOUN
asfbr-2	86	49	,	,	PUNCT
asfbr-2	86	50	and	and	CCONJ
asfbr-2	86	51	conjuncture	conjuncture	NOUN
asfbr-2	86	52	fluctuations	fluctuation	NOUN
asfbr-2	86	53	in	in	ADP
asfbr-2	86	54	the	the	DET
asfbr-2	86	55	economy	economy	NOUN
asfbr-2	86	56	(	(	PUNCT
asfbr-2	86	57	aver	aver	PROPN
asfbr-2	86	58	,	,	PUNCT
asfbr-2	86	59	2008	2008	NUM
asfbr-2	86	60	,	,	PUNCT
asfbr-2	86	61	p.	p.	NOUN
asfbr-2	86	62	318	318	NUM
asfbr-2	86	63	)	)	PUNCT
asfbr-2	86	64	.	.	PUNCT
asfbr-2	87	1	changes	change	NOUN
asfbr-2	87	2	in	in	ADP
asfbr-2	87	3	economic	economic	ADJ
asfbr-2	87	4	policies	policy	NOUN
asfbr-2	87	5	are	be	AUX
asfbr-2	87	6	signified	signify	VERB
asfbr-2	87	7	by	by	ADP
asfbr-2	87	8	changes	change	NOUN
asfbr-2	87	9	in	in	ADP
asfbr-2	87	10	monetary	monetary	ADJ
asfbr-2	87	11	and	and	CCONJ
asfbr-2	87	12	fiscal	fiscal	ADJ
asfbr-2	87	13	policies	policy	NOUN
asfbr-2	87	14	,	,	PUNCT
asfbr-2	87	15	economic	economic	ADJ
asfbr-2	87	16	legislation	legislation	NOUN
asfbr-2	87	17	changes	change	NOUN
asfbr-2	87	18	,	,	PUNCT
asfbr-2	87	19	as	as	ADV
asfbr-2	87	20	well	well	ADV
asfbr-2	87	21	as	as	ADP
asfbr-2	87	22	trade	trade	NOUN
asfbr-2	87	23	policies	policy	NOUN
asfbr-2	87	24	of	of	ADP
asfbr-2	87	25	the	the	DET
asfbr-2	87	26	country	country	NOUN
asfbr-2	87	27	.	.	PUNCT
asfbr-2	88	1	the	the	DET
asfbr-2	88	2	political	political	ADJ
asfbr-2	88	3	changes	change	NOUN
asfbr-2	88	4	or	or	CCONJ
asfbr-2	88	5	changes	change	NOUN
asfbr-2	88	6	in	in	ADP
asfbr-2	88	7	the	the	DET
asfbr-2	88	8	goals	goal	NOUN
asfbr-2	88	9	of	of	ADP
asfbr-2	88	10	leading	lead	VERB
asfbr-2	88	11	political	political	ADJ
asfbr-2	88	12	parties	party	NOUN
asfbr-2	88	13	also	also	ADV
asfbr-2	88	14	influence	influence	VERB
asfbr-2	88	15	the	the	DET
asfbr-2	88	16	systematic	systematic	ADJ
asfbr-2	88	17	risk	risk	NOUN
asfbr-2	88	18	.	.	PUNCT
asfbr-2	89	1	all	all	DET
asfbr-2	89	2	these	these	DET
asfbr-2	89	3	factors	factor	NOUN
asfbr-2	89	4	can	can	AUX
asfbr-2	89	5	have	have	VERB
asfbr-2	89	6	an	an	DET
asfbr-2	89	7	important	important	ADJ
asfbr-2	89	8	influence	influence	NOUN
asfbr-2	89	9	on	on	ADP
asfbr-2	89	10	the	the	DET
asfbr-2	89	11	likelihood	likelihood	NOUN
asfbr-2	89	12	of	of	ADP
asfbr-2	89	13	borrowers	borrower	NOUN
asfbr-2	89	14	debt	debt	NOUN
asfbr-2	89	15	servicing	servicing	NOUN
asfbr-2	89	16	capacity	capacity	NOUN
asfbr-2	89	17	,	,	PUNCT
asfbr-2	89	18	but	but	CCONJ
asfbr-2	89	19	as	as	ADP
asfbr-2	89	20	changes	change	NOUN
asfbr-2	89	21	in	in	ADP
asfbr-2	89	22	economic	economic	ADJ
asfbr-2	89	23	policies	policy	NOUN
asfbr-2	89	24	and	and	CCONJ
asfbr-2	89	25	political	political	ADJ
asfbr-2	89	26	changes	change	NOUN
asfbr-2	89	27	are	be	AUX
asfbr-2	89	28	difficult	difficult	ADJ
asfbr-2	89	29	to	to	PART
asfbr-2	89	30	examine	examine	VERB
asfbr-2	89	31	,	,	PUNCT
asfbr-2	89	32	the	the	DET
asfbr-2	89	33	literature	literature	NOUN
asfbr-2	89	34	has	have	AUX
asfbr-2	89	35	mainly	mainly	ADV
asfbr-2	89	36	focused	focus	VERB
asfbr-2	89	37	on	on	ADP
asfbr-2	89	38	the	the	DET
asfbr-2	89	39	macroeconomic	macroeconomic	ADJ
asfbr-2	89	40	factors	factor	NOUN
asfbr-2	89	41	only	only	ADV
asfbr-2	89	42	.	.	PUNCT
asfbr-2	90	1	there	there	PRON
asfbr-2	90	2	are	be	VERB
asfbr-2	90	3	also	also	ADV
asfbr-2	90	4	internal	internal	ADJ
asfbr-2	90	5	factors	factor	NOUN
asfbr-2	90	6	that	that	PRON
asfbr-2	90	7	can	can	AUX
asfbr-2	90	8	cause	cause	VERB
asfbr-2	90	9	credit	credit	NOUN
asfbr-2	90	10	risk	risk	NOUN
asfbr-2	90	11	of	of	ADP
asfbr-2	90	12	bank	bank	NOUN
asfbr-2	90	13	and	and	CCONJ
asfbr-2	90	14	financial	financial	ADJ
asfbr-2	90	15	institutions	institution	NOUN
asfbr-2	90	16	.	.	PUNCT
asfbr-2	91	1	deficiencies	deficiency	NOUN
asfbr-2	91	2	of	of	ADP
asfbr-2	91	3	techno	techno	NOUN
asfbr-2	91	4	economic	economic	ADJ
asfbr-2	91	5	appraisal	appraisal	NOUN
asfbr-2	91	6	of	of	ADP
asfbr-2	91	7	loan	loan	NOUN
asfbr-2	91	8	proposal	proposal	NOUN
asfbr-2	91	9	,	,	PUNCT
asfbr-2	91	10	inadequately	inadequately	ADV
asfbr-2	91	11	define	define	VERB
asfbr-2	91	12	lending	lending	NOUN
asfbr-2	91	13	policies	policy	NOUN
asfbr-2	91	14	,	,	PUNCT
asfbr-2	91	15	lack	lack	NOUN
asfbr-2	91	16	of	of	ADP
asfbr-2	91	17	post	post	NOUN
asfbr-2	91	18	sanction	sanction	NOUN
asfbr-2	91	19	monitoring	monitoring	NOUN
asfbr-2	91	20	system	system	NOUN
asfbr-2	91	21	,	,	PUNCT
asfbr-2	91	22	inadequate	inadequate	ADJ
asfbr-2	91	23	value	value	NOUN
asfbr-2	91	24	of	of	ADP
asfbr-2	91	25	the	the	DET
asfbr-2	91	26	securities	security	NOUN
asfbr-2	91	27	,	,	PUNCT
asfbr-2	91	28	over	over	ADP
asfbr-2	91	29	optimistic	optimistic	ADJ
asfbr-2	91	30	assessment	assessment	NOUN
asfbr-2	91	31	,	,	PUNCT
asfbr-2	91	32	liberal	liberal	ADJ
asfbr-2	91	33	loan	loan	NOUN
asfbr-2	91	34	sanctioning	sanctioning	NOUN
asfbr-2	91	35	power	power	NOUN
asfbr-2	91	36	,	,	PUNCT
asfbr-2	91	37	lack	lack	NOUN
asfbr-2	91	38	of	of	ADP
asfbr-2	91	39	knowledge	knowledge	NOUN
asfbr-2	91	40	and	and	CCONJ
asfbr-2	91	41	skills	skill	NOUN
asfbr-2	91	42	of	of	ADP
asfbr-2	91	43	credit	credit	NOUN
asfbr-2	91	44	relationship	relationship	NOUN
asfbr-2	91	45	officers	officer	NOUN
asfbr-2	91	46	,	,	PUNCT
asfbr-2	91	47	lack	lack	NOUN
asfbr-2	91	48	of	of	ADP
asfbr-2	91	49	adequate	adequate	ADJ
asfbr-2	91	50	and	and	CCONJ
asfbr-2	91	51	reliable	reliable	ADJ
asfbr-2	91	52	information	information	NOUN
asfbr-2	91	53	,	,	PUNCT
asfbr-2	91	54	lack	lack	NOUN
asfbr-2	91	55	of	of	ADP
asfbr-2	91	56	proper	proper	ADJ
asfbr-2	91	57	coordination	coordination	NOUN
asfbr-2	91	58	of	of	ADP
asfbr-2	91	59	various	various	ADJ
asfbr-2	91	60	department	department	NOUN
asfbr-2	91	61	,	,	PUNCT
asfbr-2	91	62	lack	lack	NOUN
asfbr-2	91	63	of	of	ADP
asfbr-2	91	64	well	well	ADV
asfbr-2	91	65	defined	define	VERB
asfbr-2	91	66	organization	organization	NOUN
asfbr-2	91	67	structures	structure	NOUN
asfbr-2	91	68	,	,	PUNCT
asfbr-2	91	69	lack	lack	NOUN
asfbr-2	91	70	of	of	ADP
asfbr-2	91	71	proper	proper	ADJ
asfbr-2	91	72	credit	credit	NOUN
asfbr-2	91	73	scoring	scoring	NOUN
asfbr-2	91	74	and	and	CCONJ
asfbr-2	91	75	rating	rating	NOUN
asfbr-2	91	76	system	system	NOUN
asfbr-2	91	77	and	and	CCONJ
asfbr-2	91	78	lack	lack	NOUN
asfbr-2	91	79	of	of	ADP
asfbr-2	91	80	reliability	reliability	NOUN
asfbr-2	91	81	and	and	CCONJ
asfbr-2	91	82	integrity	integrity	NOUN
asfbr-2	91	83	of	of	ADP
asfbr-2	91	84	the	the	DET
asfbr-2	91	85	data	datum	NOUN
asfbr-2	91	86	etc	etc	X
asfbr-2	91	87	.	.	X
asfbr-2	91	88	are	be	AUX
asfbr-2	91	89	the	the	DET
asfbr-2	91	90	major	major	ADJ
asfbr-2	91	91	factors	factor	NOUN
asfbr-2	91	92	related	relate	VERB
asfbr-2	91	93	to	to	ADP
asfbr-2	91	94	the	the	DET
asfbr-2	91	95	bank	bank	NOUN
asfbr-2	91	96	that	that	PRON
asfbr-2	91	97	influence	influence	NOUN
asfbr-2	91	98	to	to	PART
asfbr-2	91	99	increase	increase	VERB
asfbr-2	91	100	the	the	DET
asfbr-2	91	101	credit	credit	NOUN
asfbr-2	91	102	risk	risk	NOUN
asfbr-2	91	103	(	(	PUNCT
asfbr-2	91	104	bidani	bidani	NOUN
asfbr-2	91	105	,	,	PUNCT
asfbr-2	91	106	2010	2010	NUM
asfbr-2	91	107	,	,	PUNCT
asfbr-2	91	108	pp	pp	ADJ
asfbr-2	91	109	.	.	PUNCT
asfbr-2	92	1	31	31	NUM
asfbr-2	92	2	-	-	SYM
asfbr-2	92	3	32	32	NUM
asfbr-2	92	4	)	)	PUNCT
asfbr-2	92	5	.	.	PUNCT
asfbr-2	93	1	according	accord	VERB
asfbr-2	93	2	to	to	ADP
asfbr-2	93	3	koopman	koopman	PROPN
asfbr-2	93	4	and	and	CCONJ
asfbr-2	93	5	lucas	lucas	PROPN
asfbr-2	93	6	(	(	PUNCT
asfbr-2	93	7	2005	2005	NUM
asfbr-2	93	8	)	)	PUNCT
asfbr-2	93	9	,	,	PUNCT
asfbr-2	93	10	making	make	VERB
asfbr-2	93	11	a	a	DET
asfbr-2	93	12	distinction	distinction	NOUN
asfbr-2	93	13	between	between	ADP
asfbr-2	93	14	idiosyncratic	idiosyncratic	ADJ
asfbr-2	93	15	and	and	CCONJ
asfbr-2	93	16	systematic	systematic	ADJ
asfbr-2	93	17	risks	risk	NOUN
asfbr-2	93	18	,	,	PUNCT
asfbr-2	93	19	the	the	DET
asfbr-2	93	20	individual	individual	ADJ
asfbr-2	93	21	risk	risk	NOUN
asfbr-2	93	22	factors	factor	NOUN
asfbr-2	93	23	are	be	AUX
asfbr-2	93	24	intrinsic	intrinsic	ADJ
asfbr-2	93	25	to	to	ADP
asfbr-2	93	26	individual	individual	ADJ
asfbr-2	93	27	characteristics	characteristic	NOUN
asfbr-2	93	28	of	of	ADP
asfbr-2	93	29	borrowers	borrower	NOUN
asfbr-2	93	30	.	.	PUNCT
asfbr-2	94	1	the	the	DET
asfbr-2	94	2	systematic	systematic	ADJ
asfbr-2	94	3	risk	risk	NOUN
asfbr-2	94	4	is	be	AUX
asfbr-2	94	5	most	most	ADV
asfbr-2	94	6	significant	significant	ADJ
asfbr-2	94	7	at	at	ADP
asfbr-2	94	8	the	the	DET
asfbr-2	94	9	loan	loan	NOUN
asfbr-2	94	10	portfolio	portfolio	NOUN
asfbr-2	94	11	level	level	NOUN
asfbr-2	94	12	,	,	PUNCT
asfbr-2	94	13	and	and	CCONJ
asfbr-2	94	14	the	the	DET
asfbr-2	94	15	systematic	systematic	ADJ
asfbr-2	94	16	credit	credit	NOUN
asfbr-2	94	17	risk	risk	NOUN
asfbr-2	94	18	issues	issue	NOUN
asfbr-2	94	19	are	be	AUX
asfbr-2	94	20	usually	usually	ADV
asfbr-2	94	21	thought	think	VERB
asfbr-2	94	22	to	to	PART
asfbr-2	94	23	correlate	correlate	VERB
asfbr-2	94	24	with	with	ADP
asfbr-2	94	25	macroeconomic	macroeconomic	ADJ
asfbr-2	94	26	conditions	condition	NOUN
asfbr-2	94	27	.	.	PUNCT
asfbr-2	95	1	the	the	DET
asfbr-2	95	2	loan	loan	NOUN
asfbr-2	95	3	portfolios	portfolio	NOUN
asfbr-2	95	4	are	be	AUX
asfbr-2	95	5	generally	generally	ADV
asfbr-2	95	6	exposed	expose	VERB
asfbr-2	95	7	to	to	ADP
asfbr-2	95	8	a	a	DET
asfbr-2	95	9	counterparty	counterparty	NOUN
asfbr-2	95	10	credit	credit	NOUN
asfbr-2	95	11	risk	risk	NOUN
asfbr-2	95	12	and	and	CCONJ
asfbr-2	95	13	asset	asset	NOUN
asfbr-2	95	14	value	value	NOUN
asfbr-2	95	15	risk	risk	NOUN
asfbr-2	95	16	,	,	PUNCT
asfbr-2	95	17	which	which	PRON
asfbr-2	95	18	is	be	AUX
asfbr-2	95	19	provisional	provisional	ADJ
asfbr-2	95	20	in	in	ADP
asfbr-2	95	21	the	the	DET
asfbr-2	95	22	occurrence	occurrence	NOUN
asfbr-2	95	23	of	of	ADP
asfbr-2	95	24	credit	credit	NOUN
asfbr-2	95	25	default	default	NOUN
asfbr-2	95	26	events	event	NOUN
asfbr-2	95	27	(	(	PUNCT
asfbr-2	95	28	mileris	mileris	NOUN
asfbr-2	95	29	,	,	PUNCT
asfbr-2	95	30	2012	2012	NUM
asfbr-2	95	31	,	,	PUNCT
asfbr-2	95	32	p.	p.	NOUN
asfbr-2	95	33	86	86	NUM
asfbr-2	95	34	)	)	PUNCT
asfbr-2	95	35	.	.	PUNCT
asfbr-2	96	1	credit	credit	NOUN
asfbr-2	96	2	default	default	NOUN
asfbr-2	96	3	and	and	CCONJ
asfbr-2	96	4	asset	asset	NOUN
asfbr-2	96	5	value	value	NOUN
asfbr-2	96	6	risk	risk	NOUN
asfbr-2	96	7	are	be	AUX
asfbr-2	96	8	highly	highly	ADV
asfbr-2	96	9	interdependent	interdependent	ADJ
asfbr-2	96	10	.	.	PUNCT
asfbr-2	97	1	during	during	ADP
asfbr-2	97	2	economic	economic	ADJ
asfbr-2	97	3	declines	decline	NOUN
asfbr-2	97	4	the	the	DET
asfbr-2	97	5	asset	asset	NOUN
asfbr-2	97	6	values	value	NOUN
asfbr-2	97	7	decrease	decrease	NOUN
asfbr-2	97	8	and	and	CCONJ
asfbr-2	97	9	credit	credit	NOUN
asfbr-2	97	10	default	default	NOUN
asfbr-2	97	11	events	event	NOUN
asfbr-2	97	12	increase	increase	NOUN
asfbr-2	97	13	;	;	PUNCT
asfbr-2	97	14	this	this	PRON
asfbr-2	97	15	enlarges	enlarge	VERB
asfbr-2	97	16	the	the	DET
asfbr-2	97	17	realized	realize	VERB
asfbr-2	97	18	loss	loss	NOUN
asfbr-2	97	19	rates	rate	NOUN
asfbr-2	97	20	(	(	PUNCT
asfbr-2	97	21	rosch	rosch	PROPN
asfbr-2	97	22	&	&	CCONJ
asfbr-2	97	23	scheule	scheule	NOUN
asfbr-2	97	24	,	,	PUNCT
asfbr-2	97	25	2010	2010	NUM
asfbr-2	97	26	)	)	PUNCT
asfbr-2	97	27	.	.	PUNCT
asfbr-2	98	1	one	one	NUM
asfbr-2	98	2	of	of	ADP
asfbr-2	98	3	the	the	DET
asfbr-2	98	4	major	major	ADJ
asfbr-2	98	5	indicators	indicator	NOUN
asfbr-2	98	6	of	of	ADP
asfbr-2	98	7	credit	credit	NOUN
asfbr-2	98	8	risk	risk	NOUN
asfbr-2	98	9	is	be	AUX
asfbr-2	98	10	ratio	ratio	NOUN
asfbr-2	98	11	of	of	ADP
asfbr-2	98	12	npls	npls	NOUN
asfbr-2	98	13	to	to	PART
asfbr-2	98	14	total	total	ADJ
asfbr-2	98	15	loans	loan	NOUN
asfbr-2	98	16	portfolio	portfolio	NOUN
asfbr-2	98	17	.	.	PUNCT
asfbr-2	99	1	if	if	SCONJ
asfbr-2	99	2	a	a	DET
asfbr-2	99	3	bank	bank	NOUN
asfbr-2	99	4	can	can	AUX
asfbr-2	99	5	establish	establish	VERB
asfbr-2	99	6	a	a	DET
asfbr-2	99	7	link	link	NOUN
asfbr-2	99	8	between	between	ADP
asfbr-2	99	9	the	the	DET
asfbr-2	99	10	macroeconomic	macroeconomic	ADJ
asfbr-2	99	11	environment	environment	NOUN
asfbr-2	99	12	and	and	CCONJ
asfbr-2	99	13	systematic	systematic	ADJ
asfbr-2	99	14	credit	credit	NOUN
asfbr-2	99	15	risk	risk	NOUN
asfbr-2	99	16	factors	factor	NOUN
asfbr-2	99	17	,	,	PUNCT
asfbr-2	99	18	this	this	DET
asfbr-2	99	19	knowledge	knowledge	NOUN
asfbr-2	99	20	may	may	AUX
asfbr-2	99	21	help	help	VERB
asfbr-2	99	22	in	in	ADP
asfbr-2	99	23	assessing	assess	VERB
asfbr-2	99	24	and	and	CCONJ
asfbr-2	99	25	managing	manage	VERB
asfbr-2	99	26	the	the	DET
asfbr-2	99	27	portfolio	portfolio	NOUN
asfbr-2	99	28	credit	credit	NOUN
asfbr-2	99	29	risk	risk	NOUN
asfbr-2	99	30	over	over	ADP
asfbr-2	99	31	time	time	NOUN
asfbr-2	99	32	and	and	CCONJ
asfbr-2	99	33	may	may	AUX
asfbr-2	99	34	prove	prove	VERB
asfbr-2	99	35	useful	useful	ADJ
asfbr-2	99	36	in	in	ADP
asfbr-2	99	37	dynamic	dynamic	ADJ
asfbr-2	99	38	credit	credit	NOUN
asfbr-2	99	39	risk	risk	NOUN
asfbr-2	99	40	management	management	NOUN
asfbr-2	99	41	circumstances	circumstance	NOUN
asfbr-2	99	42	in	in	ADP
asfbr-2	99	43	which	which	PRON
asfbr-2	99	44	default	default	NOUN
asfbr-2	99	45	scenarios	scenario	NOUN
asfbr-2	99	46	can	can	AUX
asfbr-2	99	47	occur	occur	VERB
asfbr-2	99	48	over	over	ADP
asfbr-2	99	49	a	a	DET
asfbr-2	99	50	variety	variety	NOUN
asfbr-2	99	51	of	of	ADP
asfbr-2	99	52	economic	economic	ADJ
asfbr-2	99	53	conditions	condition	NOUN
asfbr-2	99	54	(	(	PUNCT
asfbr-2	99	55	koopman	koopman	PROPN
asfbr-2	99	56	&	&	CCONJ
asfbr-2	99	57	lucas	lucas	PROPN
asfbr-2	99	58	,	,	PUNCT
asfbr-2	99	59	2005	2005	NUM
asfbr-2	99	60	;	;	PUNCT
asfbr-2	99	61	wang	wang	PROPN
asfbr-2	99	62	,	,	PUNCT
asfbr-2	99	63	2013	2013	NUM
asfbr-2	99	64	)	)	PUNCT
asfbr-2	99	65	.	.	PUNCT
asfbr-2	100	1	according	accord	VERB
asfbr-2	100	2	to	to	ADP
asfbr-2	100	3	wang	wang	PROPN
asfbr-2	100	4	(	(	PUNCT
asfbr-2	100	5	2013	2013	NUM
asfbr-2	100	6	)	)	PUNCT
asfbr-2	100	7	,	,	PUNCT
asfbr-2	100	8	it	it	PRON
asfbr-2	100	9	is	be	AUX
asfbr-2	100	10	necessary	necessary	ADJ
asfbr-2	100	11	to	to	ADP
asfbr-2	100	12	the	the	DET
asfbr-2	100	13	bank	bank	NOUN
asfbr-2	100	14	and	and	CCONJ
asfbr-2	100	15	financial	financial	ADJ
asfbr-2	100	16	institutions	institution	NOUN
asfbr-2	100	17	to	to	PART
asfbr-2	100	18	have	have	VERB
asfbr-2	100	19	well	well	ADV
asfbr-2	100	20	-	-	PUNCT
asfbr-2	100	21	capitalized	capitalize	VERB
asfbr-2	100	22	,	,	PUNCT
asfbr-2	100	23	service	service	NOUN
asfbr-2	100	24	to	to	ADP
asfbr-2	100	25	a	a	DET
asfbr-2	100	26	wide	wide	ADJ
asfbr-2	100	27	range	range	NOUN
asfbr-2	100	28	of	of	ADP
asfbr-2	100	29	customers	customer	NOUN
asfbr-2	100	30	,	,	PUNCT
asfbr-2	100	31	sharing	share	VERB
asfbr-2	100	32	of	of	ADP
asfbr-2	100	33	information	information	NOUN
asfbr-2	100	34	about	about	ADP
asfbr-2	100	35	borrowers	borrower	NOUN
asfbr-2	100	36	,	,	PUNCT
asfbr-2	100	37	stabilization	stabilization	NOUN
asfbr-2	100	38	of	of	ADP
asfbr-2	100	39	interest	interest	NOUN
asfbr-2	100	40	rates	rate	NOUN
asfbr-2	100	41	,	,	PUNCT
asfbr-2	100	42	reduction	reduction	NOUN
asfbr-2	100	43	in	in	ADP
asfbr-2	100	44	non	non	ADJ
asfbr-2	100	45	-	-	ADJ
asfbr-2	100	46	performing	performing	ADJ
asfbr-2	100	47	loans	loan	NOUN
asfbr-2	100	48	,	,	PUNCT
asfbr-2	100	49	increased	increase	VERB
asfbr-2	100	50	bank	bank	NOUN
asfbr-2	100	51	deposits	deposit	NOUN
asfbr-2	100	52	,	,	PUNCT
asfbr-2	100	53	increased	increase	VERB
asfbr-2	100	54	credit	credit	NOUN
asfbr-2	100	55	extended	extend	VERB
asfbr-2	100	56	to	to	ADP
asfbr-2	100	57	borrowers	borrower	NOUN
asfbr-2	100	58	,	,	PUNCT
asfbr-2	100	59	increased	increase	VERB
asfbr-2	100	60	service	service	NOUN
asfbr-2	100	61	quality	quality	NOUN
asfbr-2	100	62	and	and	CCONJ
asfbr-2	100	63	maintained	maintain	VERB
asfbr-2	100	64	adequate	adequate	ADJ
asfbr-2	100	65	level	level	NOUN
asfbr-2	100	66	of	of	ADP
asfbr-2	100	67	corporate	corporate	ADJ
asfbr-2	100	68	governance	governance	NOUN
asfbr-2	100	69	to	to	PART
asfbr-2	100	70	minimize	minimize	VERB
asfbr-2	100	71	the	the	DET
asfbr-2	100	72	impacts	impact	NOUN
asfbr-2	100	73	of	of	ADP
asfbr-2	100	74	credit	credit	NOUN
asfbr-2	100	75	risk	risk	NOUN
asfbr-2	100	76	factors	factor	NOUN
asfbr-2	100	77	.	.	PUNCT
asfbr-2	101	1	nonperforming	nonperforme	VERB
asfbr-2	101	2	and	and	CCONJ
asfbr-2	101	3	default	default	NOUN
asfbr-2	101	4	loans	loan	NOUN
asfbr-2	101	5	need	need	VERB
asfbr-2	101	6	to	to	PART
asfbr-2	101	7	be	be	AUX
asfbr-2	101	8	reduced	reduce	VERB
asfbr-2	101	9	for	for	ADP
asfbr-2	101	10	sound	sound	ADJ
asfbr-2	101	11	performance	performance	NOUN
asfbr-2	101	12	of	of	ADP
asfbr-2	101	13	the	the	DET
asfbr-2	101	14	bank	bank	NOUN
asfbr-2	101	15	.	.	PUNCT
asfbr-2	102	1	because	because	SCONJ
asfbr-2	102	2	credit	credit	NOUN
asfbr-2	102	3	risk	risk	NOUN
asfbr-2	102	4	is	be	AUX
asfbr-2	102	5	inherent	inherent	ADJ
asfbr-2	102	6	throughout	throughout	ADP
asfbr-2	102	7	the	the	DET
asfbr-2	102	8	entire	entire	ADJ
asfbr-2	102	9	credit	credit	NOUN
asfbr-2	102	10	process	process	NOUN
asfbr-2	102	11	,	,	PUNCT
asfbr-2	102	12	the	the	DET
asfbr-2	102	13	nature	nature	NOUN
asfbr-2	102	14	and	and	CCONJ
asfbr-2	102	15	sources	source	NOUN
asfbr-2	102	16	of	of	ADP
asfbr-2	102	17	credit	credit	NOUN
asfbr-2	102	18	risks	risk	NOUN
asfbr-2	102	19	have	have	VERB
asfbr-2	102	20	to	to	PART
asfbr-2	102	21	be	be	AUX
asfbr-2	102	22	identified	identify	VERB
asfbr-2	102	23	and	and	CCONJ
asfbr-2	102	24	measured	measure	VERB
asfbr-2	102	25	to	to	PART
asfbr-2	102	26	prevent	prevent	VERB
asfbr-2	102	27	losses	loss	NOUN
asfbr-2	102	28	.	.	PUNCT
asfbr-2	103	1	bagchi	bagchi	NOUN
asfbr-2	103	2	(	(	PUNCT
asfbr-2	103	3	2003	2003	NUM
asfbr-2	103	4	)	)	PUNCT
asfbr-2	103	5	scrutinized	scrutinize	VERB
asfbr-2	103	6	the	the	DET
asfbr-2	103	7	credit	credit	NOUN
asfbr-2	103	8	risk	risk	NOUN
asfbr-2	103	9	management	management	NOUN
asfbr-2	103	10	in	in	ADP
asfbr-2	103	11	banks	bank	NOUN
asfbr-2	103	12	in	in	ADP
asfbr-2	103	13	india	india	PROPN
asfbr-2	103	14	.	.	PUNCT
asfbr-2	104	1	he	he	PRON
asfbr-2	104	2	examined	examine	VERB
asfbr-2	104	3	risk	risk	NOUN
asfbr-2	104	4	identification	identification	NOUN
asfbr-2	104	5	,	,	PUNCT
asfbr-2	104	6	risk	risk	NOUN
asfbr-2	104	7	measurement	measurement	NOUN
asfbr-2	104	8	,	,	PUNCT
asfbr-2	104	9	risk	risk	NOUN
asfbr-2	104	10	monitoring	monitoring	NOUN
asfbr-2	104	11	,	,	PUNCT
asfbr-2	104	12	and	and	CCONJ
asfbr-2	104	13	risk	risk	NOUN
asfbr-2	104	14	control	control	NOUN
asfbr-2	104	15	and	and	CCONJ
asfbr-2	104	16	risk	risk	NOUN
asfbr-2	104	17	audit	audit	NOUN
asfbr-2	104	18	as	as	ADP
asfbr-2	104	19	basic	basic	ADJ
asfbr-2	104	20	considerations	consideration	NOUN
asfbr-2	104	21	for	for	ADP
asfbr-2	104	22	credit	credit	NOUN
asfbr-2	104	23	risk	risk	NOUN
asfbr-2	104	24	management	management	NOUN
asfbr-2	104	25	in	in	ADP
asfbr-2	104	26	banks	bank	NOUN
asfbr-2	104	27	.	.	PUNCT
asfbr-2	105	1	he	he	PRON
asfbr-2	105	2	concluded	conclude	VERB
asfbr-2	105	3	that	that	SCONJ
asfbr-2	105	4	proper	proper	ADJ
asfbr-2	105	5	credit	credit	NOUN
asfbr-2	105	6	risk	risk	NOUN
asfbr-2	105	7	structural	structural	ADJ
asfbr-2	105	8	design	design	NOUN
asfbr-2	105	9	,	,	PUNCT
asfbr-2	105	10	policies	policy	NOUN
asfbr-2	105	11	,	,	PUNCT
asfbr-2	105	12	procedures	procedure	NOUN
asfbr-2	105	13	and	and	CCONJ
asfbr-2	105	14	framework	framework	NOUN
asfbr-2	105	15	of	of	ADP
asfbr-2	105	16	credit	credit	NOUN
asfbr-2	105	17	risk	risk	NOUN
asfbr-2	105	18	management	management	NOUN
asfbr-2	105	19	,	,	PUNCT
asfbr-2	105	20	credit	credit	NOUN
asfbr-2	105	21	rating	rating	NOUN
asfbr-2	105	22	system	system	NOUN
asfbr-2	105	23	,	,	PUNCT
asfbr-2	105	24	monitoring	monitoring	NOUN
asfbr-2	105	25	and	and	CCONJ
asfbr-2	105	26	control	control	NOUN
asfbr-2	105	27	contributes	contribute	VERB
asfbr-2	105	28	in	in	ADP
asfbr-2	105	29	success	success	NOUN
asfbr-2	105	30	of	of	ADP
asfbr-2	105	31	credit	credit	NOUN
asfbr-2	105	32	risk	risk	NOUN
asfbr-2	105	33	management	management	NOUN
asfbr-2	105	34	system	system	NOUN
asfbr-2	105	35	in	in	ADP
asfbr-2	105	36	banking	banking	NOUN
asfbr-2	105	37	industry	industry	NOUN
asfbr-2	105	38	.	.	PUNCT
asfbr-2	106	1	al	al	PROPN
asfbr-2	106	2	-	-	PUNCT
asfbr-2	106	3	tamini	tamini	PROPN
asfbr-2	106	4	&	&	CCONJ
asfbr-2	106	5	al	al	PROPN
asfbr-2	106	6	-	-	PUNCT
asfbr-2	106	7	mazrooei	mazrooei	PROPN
asfbr-2	106	8	(	(	PUNCT
asfbr-2	106	9	2007	2007	NUM
asfbr-2	106	10	)	)	PUNCT
asfbr-2	106	11	conducted	conduct	VERB
asfbr-2	106	12	the	the	DET
asfbr-2	106	13	comparative	comparative	ADJ
asfbr-2	106	14	study	study	NOUN
asfbr-2	106	15	on	on	ADP
asfbr-2	106	16	risk	risk	NOUN
asfbr-2	106	17	management	management	NOUN
asfbr-2	106	18	of	of	ADP
asfbr-2	106	19	uae	uae	PROPN
asfbr-2	106	20	national	national	PROPN
asfbr-2	106	21	bank	bank	PROPN
asfbr-2	106	22	and	and	CCONJ
asfbr-2	106	23	foreign	foreign	ADJ
asfbr-2	106	24	bank	bank	NOUN
asfbr-2	106	25	.	.	PUNCT
asfbr-2	107	1	they	they	PRON
asfbr-2	107	2	found	find	VERB
asfbr-2	107	3	that	that	SCONJ
asfbr-2	107	4	foreign	foreign	ADJ
asfbr-2	107	5	exchange	exchange	NOUN
asfbr-2	107	6	risk	risk	NOUN
asfbr-2	107	7	,	,	PUNCT
asfbr-2	107	8	credit	credit	NOUN
asfbr-2	107	9	risk	risk	NOUN
asfbr-2	107	10	and	and	CCONJ
asfbr-2	107	11	operating	operating	NOUN
asfbr-2	107	12	risk	risk	NOUN
asfbr-2	107	13	were	be	AUX
asfbr-2	107	14	facing	face	VERB
asfbr-2	107	15	by	by	ADP
asfbr-2	107	16	the	the	DET
asfbr-2	107	17	uae	uae	PROPN
asfbr-2	107	18	commercial	commercial	ADJ
asfbr-2	107	19	banks	bank	NOUN
asfbr-2	107	20	.	.	PUNCT
asfbr-2	108	1	they	they	PRON
asfbr-2	108	2	also	also	ADV
asfbr-2	108	3	found	find	VERB
asfbr-2	108	4	that	that	SCONJ
asfbr-2	108	5	the	the	DET
asfbr-2	108	6	uae	uae	PROPN
asfbr-2	108	7	banks	bank	NOUN
asfbr-2	108	8	were	be	AUX
asfbr-2	108	9	somewhat	somewhat	ADV
asfbr-2	108	10	efficient	efficient	ADJ
asfbr-2	108	11	in	in	ADP
asfbr-2	108	12	managing	manage	VERB
asfbr-2	108	13	risk	risk	NOUN
asfbr-2	108	14	,	,	PUNCT
asfbr-2	108	15	and	and	CCONJ
asfbr-2	108	16	risk	risk	NOUN
asfbr-2	108	17	identification	identification	NOUN
asfbr-2	108	18	and	and	CCONJ
asfbr-2	108	19	risk	risk	NOUN
asfbr-2	108	20	assessment	assessment	NOUN
asfbr-2	108	21	and	and	CCONJ
asfbr-2	108	22	analysis	analysis	NOUN
asfbr-2	108	23	were	be	AUX
asfbr-2	108	24	the	the	DET
asfbr-2	108	25	most	most	ADV
asfbr-2	108	26	influencing	influencing	ADJ
asfbr-2	108	27	variables	variable	NOUN
asfbr-2	108	28	in	in	ADP
asfbr-2	108	29	risk	risk	NOUN
asfbr-2	108	30	management	management	NOUN
asfbr-2	108	31	practices	practice	NOUN
asfbr-2	108	32	.	.	PUNCT
asfbr-2	109	1	finally	finally	ADV
asfbr-2	109	2	,	,	PUNCT
asfbr-2	109	3	the	the	DET
asfbr-2	109	4	results	result	NOUN
asfbr-2	109	5	indicated	indicate	VERB
asfbr-2	109	6	that	that	SCONJ
asfbr-2	109	7	there	there	PRON
asfbr-2	109	8	was	be	VERB
asfbr-2	109	9	a	a	DET
asfbr-2	109	10	significant	significant	ADJ
asfbr-2	109	11	difference	difference	NOUN
asfbr-2	109	12	between	between	ADP
asfbr-2	109	13	the	the	DET
asfbr-2	109	14	uae	uae	PROPN
asfbr-2	109	15	national	national	PROPN
asfbr-2	109	16	and	and	CCONJ
asfbr-2	109	17	foreign	foreign	ADJ
asfbr-2	109	18	banks	bank	NOUN
asfbr-2	109	19	in	in	ADP
asfbr-2	109	20	the	the	DET
asfbr-2	109	21	practice	practice	NOUN
asfbr-2	109	22	of	of	ADP
asfbr-2	109	23	risk	risk	NOUN
asfbr-2	109	24	assessment	assessment	NOUN
asfbr-2	109	25	and	and	CCONJ
asfbr-2	109	26	analysis	analysis	NOUN
asfbr-2	109	27	,	,	PUNCT
asfbr-2	109	28	and	and	CCONJ
asfbr-2	109	29	in	in	ADP
asfbr-2	109	30	risk	risk	NOUN
asfbr-2	109	31	monitoring	monitoring	NOUN
asfbr-2	109	32	and	and	CCONJ
asfbr-2	109	33	controlling	controlling	NOUN
asfbr-2	109	34	.	.	PUNCT
asfbr-2	110	1	das	das	PROPN
asfbr-2	110	2	&	&	CCONJ
asfbr-2	110	3	das	das	PROPN
asfbr-2	110	4	(	(	PUNCT
asfbr-2	110	5	2007	2007	NUM
asfbr-2	110	6	)	)	PUNCT
asfbr-2	110	7	evaluated	evaluate	VERB
asfbr-2	110	8	the	the	DET
asfbr-2	110	9	credit	credit	NOUN
asfbr-2	110	10	risk	risk	NOUN
asfbr-2	110	11	management	management	NOUN
asfbr-2	110	12	practices	practice	NOUN
asfbr-2	110	13	in	in	ADP
asfbr-2	110	14	bangladesh	bangladesh	NOUN
asfbr-2	110	15	.	.	PUNCT
asfbr-2	111	1	the	the	DET
asfbr-2	111	2	study	study	NOUN
asfbr-2	111	3	identified	identify	VERB
asfbr-2	111	4	the	the	DET
asfbr-2	111	5	importance	importance	NOUN
asfbr-2	111	6	of	of	ADP
asfbr-2	111	7	credit	credit	NOUN
asfbr-2	111	8	risk	risk	NOUN
asfbr-2	111	9	management	management	NOUN
asfbr-2	111	10	of	of	ADP
asfbr-2	111	11	commercial	commercial	ADJ
asfbr-2	111	12	banks	bank	NOUN
asfbr-2	111	13	and	and	CCONJ
asfbr-2	111	14	then	then	ADV
asfbr-2	111	15	tries	try	VERB
asfbr-2	111	16	to	to	PART
asfbr-2	111	17	find	find	VERB
asfbr-2	111	18	out	out	ADP
asfbr-2	111	19	the	the	DET
asfbr-2	111	20	existing	exist	VERB
asfbr-2	111	21	procedures	procedure	NOUN
asfbr-2	111	22	for	for	ADP
asfbr-2	111	23	credit	credit	NOUN
asfbr-2	111	24	risk	risk	NOUN
asfbr-2	111	25	management	management	NOUN
asfbr-2	111	26	that	that	PRON
asfbr-2	111	27	were	be	AUX
asfbr-2	111	28	followed	follow	VERB
asfbr-2	111	29	by	by	ADP
asfbr-2	111	30	the	the	DET
asfbr-2	111	31	different	different	ADJ
asfbr-2	111	32	commercial	commercial	ADJ
asfbr-2	111	33	banks	bank	NOUN
asfbr-2	111	34	in	in	ADP
asfbr-2	111	35	bangladesh	bangladesh	NOUN
asfbr-2	111	36	.	.	PUNCT
asfbr-2	112	1	the	the	DET
asfbr-2	112	2	future	future	NOUN
asfbr-2	112	3	of	of	ADP
asfbr-2	112	4	banking	banking	NOUN
asfbr-2	112	5	depends	depend	VERB
asfbr-2	112	6	on	on	ADP
asfbr-2	112	7	the	the	DET
asfbr-2	112	8	risk	risk	NOUN
asfbr-2	112	9	management	management	NOUN
asfbr-2	112	10	dynamics	dynamic	NOUN
asfbr-2	112	11	.	.	PUNCT
asfbr-2	113	1	those	those	DET
asfbr-2	113	2	banks	bank	NOUN
asfbr-2	113	3	that	that	PRON
asfbr-2	113	4	have	have	VERB
asfbr-2	113	5	effective	effective	ADJ
asfbr-2	113	6	risk	risk	NOUN
asfbr-2	113	7	management	management	NOUN
asfbr-2	113	8	mechanism	mechanism	NOUN
asfbr-2	113	9	survive	survive	VERB
asfbr-2	113	10	in	in	ADP
asfbr-2	113	11	the	the	DET
asfbr-2	113	12	market	market	NOUN
asfbr-2	113	13	in	in	ADP
asfbr-2	113	14	the	the	DET
asfbr-2	113	15	long	long	ADJ
asfbr-2	113	16	term	term	NOUN
asfbr-2	113	17	.	.	PUNCT
asfbr-2	114	1	the	the	DET
asfbr-2	114	2	effective	effective	ADJ
asfbr-2	114	3	management	management	NOUN
asfbr-2	114	4	of	of	ADP
asfbr-2	114	5	credit	credit	NOUN
asfbr-2	114	6	risk	risk	NOUN
asfbr-2	114	7	is	be	AUX
asfbr-2	114	8	a	a	DET
asfbr-2	114	9	serious	serious	ADJ
asfbr-2	114	10	component	component	NOUN
asfbr-2	114	11	of	of	ADP
asfbr-2	114	12	comprehensive	comprehensive	ADJ
asfbr-2	114	13	risk	risk	NOUN
asfbr-2	114	14	management	management	NOUN
asfbr-2	114	15	essential	essential	ADJ
asfbr-2	114	16	for	for	ADP
asfbr-2	114	17	long	long	ADJ
asfbr-2	114	18	term	term	NOUN
asfbr-2	114	19	success	success	NOUN
asfbr-2	114	20	of	of	ADP
asfbr-2	114	21	a	a	DET
asfbr-2	114	22	banking	banking	NOUN
asfbr-2	114	23	institution	institution	NOUN
asfbr-2	114	24	.	.	PUNCT
asfbr-2	115	1	from	from	ADP
asfbr-2	115	2	the	the	DET
asfbr-2	115	3	result	result	NOUN
asfbr-2	115	4	they	they	PRON
asfbr-2	115	5	found	find	VERB
asfbr-2	115	6	that	that	SCONJ
asfbr-2	115	7	the	the	DET
asfbr-2	115	8	existing	exist	VERB
asfbr-2	115	9	procedures	procedure	NOUN
asfbr-2	115	10	of	of	ADP
asfbr-2	115	11	credit	credit	NOUN
asfbr-2	115	12	management	management	NOUN
asfbr-2	115	13	were	be	AUX
asfbr-2	115	14	not	not	PART
asfbr-2	115	15	adequate	adequate	ADJ
asfbr-2	115	16	to	to	PART
asfbr-2	115	17	compete	compete	VERB
asfbr-2	115	18	with	with	ADP
asfbr-2	115	19	the	the	DET
asfbr-2	115	20	complex	complex	ADJ
asfbr-2	115	21	financial	financial	ADJ
asfbr-2	115	22	and	and	CCONJ
asfbr-2	115	23	economic	economic	ADJ
asfbr-2	115	24	environment	environment	NOUN
asfbr-2	115	25	.	.	PUNCT
asfbr-2	116	1	alam	alam	PROPN
asfbr-2	116	2	&	&	CCONJ
asfbr-2	116	3	masukujjaman	masukujjaman	PROPN
asfbr-2	116	4	(	(	PUNCT
asfbr-2	116	5	2011	2011	NUM
asfbr-2	116	6	)	)	PUNCT
asfbr-2	116	7	examined	examine	VERB
asfbr-2	116	8	the	the	DET
asfbr-2	116	9	risk	risk	NOUN
asfbr-2	116	10	management	management	NOUN
asfbr-2	116	11	practices	practice	NOUN
asfbr-2	116	12	of	of	ADP
asfbr-2	116	13	commercial	commercial	ADJ
asfbr-2	116	14	banks	bank	NOUN
asfbr-2	116	15	in	in	ADP
asfbr-2	116	16	bangladesh	bangladesh	NOUN
asfbr-2	116	17	based	base	VERB
asfbr-2	116	18	on	on	ADP
asfbr-2	116	19	five	five	NUM
asfbr-2	116	20	commercial	commercial	ADJ
asfbr-2	116	21	banks	bank	NOUN
asfbr-2	116	22	operating	operate	VERB
asfbr-2	116	23	in	in	ADP
asfbr-2	116	24	bangladesh	bangladesh	NOUN
asfbr-2	116	25	.	.	PUNCT
asfbr-2	117	1	the	the	DET
asfbr-2	117	2	research	research	NOUN
asfbr-2	117	3	revealed	reveal	VERB
asfbr-2	117	4	that	that	SCONJ
asfbr-2	117	5	credit	credit	NOUN
asfbr-2	117	6	,	,	PUNCT
asfbr-2	117	7	market	market	NOUN
asfbr-2	117	8	and	and	CCONJ
asfbr-2	117	9	operational	operational	ADJ
asfbr-2	117	10	risk	risk	NOUN
asfbr-2	117	11	are	be	AUX
asfbr-2	117	12	the	the	DET
asfbr-2	117	13	major	major	ADJ
asfbr-2	117	14	risks	risk	NOUN
asfbr-2	117	15	in	in	ADP
asfbr-2	117	16	commercial	commercial	ADJ
asfbr-2	117	17	banks	bank	NOUN
asfbr-2	117	18	which	which	PRON
asfbr-2	117	19	are	be	AUX
asfbr-2	117	20	managed	manage	VERB
asfbr-2	117	21	through	through	ADP
asfbr-2	117	22	three	three	NUM
asfbr-2	117	23	layers	layer	NOUN
asfbr-2	117	24	of	of	ADP
asfbr-2	117	25	management	management	NOUN
asfbr-2	117	26	structure	structure	NOUN
asfbr-2	117	27	.	.	PUNCT
asfbr-2	118	1	the	the	DET
asfbr-2	118	2	board	board	NOUN
asfbr-2	118	3	of	of	ADP
asfbr-2	118	4	directors	director	NOUN
asfbr-2	118	5	performs	perform	VERB
asfbr-2	118	6	the	the	DET
asfbr-2	118	7	responsibility	responsibility	NOUN
asfbr-2	118	8	of	of	ADP
asfbr-2	118	9	the	the	DET
asfbr-2	118	10	main	main	ADJ
asfbr-2	118	11	risk	risk	NOUN
asfbr-2	118	12	oversight	oversight	NOUN
asfbr-2	118	13	;	;	PUNCT
asfbr-2	118	14	the	the	DET
asfbr-2	118	15	executive	executive	ADJ
asfbr-2	118	16	committee	committee	NOUN
asfbr-2	118	17	observes	observe	VERB
asfbr-2	118	18	risk	risk	NOUN
asfbr-2	118	19	and	and	CCONJ
asfbr-2	118	20	the	the	DET
asfbr-2	118	21	audit	audit	NOUN
asfbr-2	118	22	committee	committee	NOUN
asfbr-2	118	23	supervise	supervise	VERB
asfbr-2	118	24	all	all	DET
asfbr-2	118	25	the	the	DET
asfbr-2	118	26	activities	activity	NOUN
asfbr-2	118	27	of	of	ADP
asfbr-2	118	28	banking	banking	NOUN
asfbr-2	118	29	operations	operation	NOUN
asfbr-2	118	30	.	.	PUNCT
asfbr-2	119	1	in	in	ADP
asfbr-2	119	2	the	the	DET
asfbr-2	119	3	circumstance	circumstance	NOUN
asfbr-2	119	4	of	of	ADP
asfbr-2	119	5	views	view	NOUN
asfbr-2	119	6	regarding	regard	VERB
asfbr-2	119	7	use	use	NOUN
asfbr-2	119	8	of	of	ADP
asfbr-2	119	9	risk	risk	NOUN
asfbr-2	119	10	management	management	NOUN
asfbr-2	119	11	techniques	technique	NOUN
asfbr-2	119	12	,	,	PUNCT
asfbr-2	119	13	it	it	PRON
asfbr-2	119	14	was	be	AUX
asfbr-2	119	15	found	find	VERB
asfbr-2	119	16	that	that	SCONJ
asfbr-2	119	17	internal	internal	ADJ
asfbr-2	119	18	rating	rating	NOUN
asfbr-2	119	19	system	system	NOUN
asfbr-2	119	20	and	and	CCONJ
asfbr-2	119	21	risk	risk	NOUN
asfbr-2	119	22	adjusted	adjust	VERB
asfbr-2	119	23	rate	rate	NOUN
asfbr-2	119	24	of	of	ADP
asfbr-2	119	25	return	return	NOUN
asfbr-2	119	26	on	on	ADP
asfbr-2	119	27	capital	capital	NOUN
asfbr-2	119	28	are	be	AUX
asfbr-2	119	29	comparatively	comparatively	ADV
asfbr-2	119	30	more	more	ADV
asfbr-2	119	31	significant	significant	ADJ
asfbr-2	119	32	techniques	technique	NOUN
asfbr-2	119	33	used	use	VERB
asfbr-2	119	34	by	by	ADP
asfbr-2	119	35	commercial	commercial	ADJ
asfbr-2	119	36	banks	bank	NOUN
asfbr-2	119	37	in	in	ADP
asfbr-2	119	38	bangladesh	bangladesh	PROPN
asfbr-2	119	39	.	.	PUNCT
asfbr-2	120	1	abdelrahim	abdelrahim	PROPN
asfbr-2	120	2	(	(	PUNCT
asfbr-2	120	3	2013	2013	NUM
asfbr-2	120	4	)	)	PUNCT
asfbr-2	120	5	conducted	conduct	VERB
asfbr-2	120	6	the	the	DET
asfbr-2	120	7	research	research	NOUN
asfbr-2	120	8	on	on	ADP
asfbr-2	120	9	effectiveness	effectiveness	NOUN
asfbr-2	120	10	of	of	ADP
asfbr-2	120	11	credit	credit	NOUN
asfbr-2	120	12	risk	risk	NOUN
asfbr-2	120	13	management	management	NOUN
asfbr-2	120	14	of	of	ADP
asfbr-2	120	15	saudi	saudi	ADJ
asfbr-2	120	16	bank	bank	NOUN
asfbr-2	120	17	in	in	ADP
asfbr-2	120	18	light	light	NOUN
asfbr-2	120	19	of	of	ADP
asfbr-2	120	20	global	global	ADJ
asfbr-2	120	21	financial	financial	ADJ
asfbr-2	120	22	crisis	crisis	NOUN
asfbr-2	120	23	with	with	ADP
asfbr-2	120	24	the	the	DET
asfbr-2	120	25	objective	objective	NOUN
asfbr-2	120	26	of	of	ADP
asfbr-2	120	27	examine	examine	VERB
asfbr-2	120	28	the	the	DET
asfbr-2	120	29	determinants	determinant	NOUN
asfbr-2	120	30	,	,	PUNCT
asfbr-2	120	31	challenges	challenge	NOUN
asfbr-2	120	32	and	and	CCONJ
asfbr-2	120	33	developing	develop	VERB
asfbr-2	120	34	means	mean	NOUN
asfbr-2	120	35	of	of	ADP
asfbr-2	120	36	credit	credit	NOUN
asfbr-2	120	37	risk	risk	NOUN
asfbr-2	120	38	managements	management	NOUN
asfbr-2	120	39	.	.	PUNCT
asfbr-2	121	1	the	the	DET
asfbr-2	121	2	study	study	NOUN
asfbr-2	121	3	recommended	recommend	VERB
asfbr-2	121	4	that	that	SCONJ
asfbr-2	121	5	an	an	DET
asfbr-2	121	6	overall	overall	ADJ
asfbr-2	121	7	strategy	strategy	NOUN
asfbr-2	121	8	for	for	ADP
asfbr-2	121	9	effective	effective	ADJ
asfbr-2	121	10	credit	credit	NOUN
asfbr-2	121	11	risk	risk	NOUN
asfbr-2	121	12	management	management	NOUN
asfbr-2	121	13	of	of	ADP
asfbr-2	121	14	saudi	saudi	ADJ
asfbr-2	121	15	banks	bank	NOUN
asfbr-2	121	16	based	base	VERB
asfbr-2	121	17	on	on	ADP
asfbr-2	121	18	enhancing	enhance	VERB
asfbr-2	121	19	capital	capital	NOUN
asfbr-2	121	20	adequacy	adequacy	NOUN
asfbr-2	121	21	,	,	PUNCT
asfbr-2	121	22	improvement	improvement	NOUN
asfbr-2	121	23	asset	asset	NOUN
asfbr-2	121	24	quality	quality	NOUN
asfbr-2	121	25	,	,	PUNCT
asfbr-2	121	26	intensification	intensification	NOUN
asfbr-2	121	27	management	management	NOUN
asfbr-2	121	28	soundness	soundness	NOUN
asfbr-2	121	29	,	,	PUNCT
asfbr-2	121	30	increasing	increase	VERB
asfbr-2	121	31	earnings	earning	NOUN
asfbr-2	121	32	,	,	PUNCT
asfbr-2	121	33	having	have	VERB
asfbr-2	121	34	adequate	adequate	ADJ
asfbr-2	121	35	liquidity	liquidity	NOUN
asfbr-2	121	36	and	and	CCONJ
asfbr-2	121	37	dropping	drop	VERB
asfbr-2	121	38	sensitivity	sensitivity	NOUN
asfbr-2	121	39	to	to	PART
asfbr-2	121	40	market	market	VERB
asfbr-2	121	41	risk	risk	NOUN
asfbr-2	121	42	besides	besides	SCONJ
asfbr-2	121	43	hedging	hedge	VERB
asfbr-2	121	44	credit	credit	NOUN
asfbr-2	121	45	risk	risk	NOUN
asfbr-2	121	46	;	;	PUNCT
asfbr-2	121	47	having	have	VERB
asfbr-2	121	48	adequate	adequate	ADJ
asfbr-2	121	49	provisions	provision	NOUN
asfbr-2	121	50	for	for	ADP
asfbr-2	121	51	downgraded	downgrade	VERB
asfbr-2	121	52	loans	loan	NOUN
asfbr-2	121	53	;	;	PUNCT
asfbr-2	121	54	renegotiating	renegotiate	VERB
asfbr-2	121	55	loan	loan	NOUN
asfbr-2	121	56	terms	term	NOUN
asfbr-2	121	57	and	and	CCONJ
asfbr-2	121	58	conditions	condition	NOUN
asfbr-2	121	59	,	,	PUNCT
asfbr-2	121	60	transferring	transfer	VERB
asfbr-2	121	61	credit	credit	NOUN
asfbr-2	121	62	risk	risk	NOUN
asfbr-2	121	63	to	to	ADP
asfbr-2	121	64	a	a	DET
asfbr-2	121	65	third	third	ADJ
asfbr-2	121	66	party	party	NOUN
asfbr-2	121	67	,	,	PUNCT
asfbr-2	121	68	extending	extend	VERB
asfbr-2	121	69	credit	credit	NOUN
asfbr-2	121	70	maturity	maturity	NOUN
asfbr-2	121	71	by	by	ADP
asfbr-2	121	72	rescheduling	reschedule	VERB
asfbr-2	121	73	and	and	CCONJ
asfbr-2	121	74	lowering	lower	VERB
asfbr-2	121	75	interest	interest	NOUN
asfbr-2	121	76	rate	rate	NOUN
asfbr-2	121	77	on	on	ADP
asfbr-2	121	78	insolvent	insolvent	ADJ
asfbr-2	121	79	loan	loan	NOUN
asfbr-2	121	80	.	.	PUNCT
asfbr-2	122	1	poudel	poudel	NOUN
asfbr-2	122	2	(	(	PUNCT
asfbr-2	122	3	2013	2013	NUM
asfbr-2	122	4	)	)	PUNCT
asfbr-2	122	5	investigated	investigate	VERB
asfbr-2	122	6	the	the	DET
asfbr-2	122	7	macroeconomic	macroeconomic	ADJ
asfbr-2	122	8	determinants	determinant	NOUN
asfbr-2	122	9	of	of	ADP
asfbr-2	122	10	credit	credit	NOUN
asfbr-2	122	11	risk	risk	NOUN
asfbr-2	122	12	in	in	ADP
asfbr-2	122	13	nepalese	nepalese	ADJ
asfbr-2	122	14	banking	banking	NOUN
asfbr-2	122	15	sector	sector	NOUN
asfbr-2	122	16	by	by	ADP
asfbr-2	122	17	using	use	VERB
asfbr-2	122	18	time	time	NOUN
asfbr-2	122	19	series	series	PROPN
asfbr-2	122	20	modelling	modelling	PROPN
asfbr-2	122	21	.	.	PUNCT
asfbr-2	123	1	secondary	secondary	ADJ
asfbr-2	123	2	data	datum	NOUN
asfbr-2	123	3	were	be	AUX
asfbr-2	123	4	used	use	VERB
asfbr-2	123	5	between	between	ADP
asfbr-2	123	6	the	the	DET
asfbr-2	123	7	periods	period	NOUN
asfbr-2	123	8	of	of	ADP
asfbr-2	123	9	2001	2001	NUM
asfbr-2	123	10	-	-	SYM
asfbr-2	123	11	2011	2011	NUM
asfbr-2	123	12	from	from	ADP
asfbr-2	123	13	the	the	DET
asfbr-2	123	14	annual	annual	ADJ
asfbr-2	123	15	financial	financial	ADJ
asfbr-2	123	16	statements	statement	NOUN
asfbr-2	123	17	.	.	PUNCT
asfbr-2	124	1	this	this	DET
asfbr-2	124	2	study	study	NOUN
asfbr-2	124	3	found	find	VERB
asfbr-2	124	4	that	that	SCONJ
asfbr-2	124	5	the	the	DET
asfbr-2	124	6	credit	credit	NOUN
asfbr-2	124	7	risk	risk	NOUN
asfbr-2	124	8	of	of	ADP
asfbr-2	124	9	banks	bank	NOUN
asfbr-2	124	10	was	be	AUX
asfbr-2	124	11	significantly	significantly	ADV
asfbr-2	124	12	affected	affect	VERB
asfbr-2	124	13	by	by	ADP
asfbr-2	124	14	inflation	inflation	NOUN
asfbr-2	124	15	and	and	CCONJ
asfbr-2	124	16	foreign	foreign	ADJ
asfbr-2	124	17	exchange	exchange	NOUN
asfbr-2	124	18	fluctuation	fluctuation	NOUN
asfbr-2	124	19	negatively	negatively	ADV
asfbr-2	124	20	.	.	PUNCT
asfbr-2	125	1	however	however	ADV
asfbr-2	125	2	,	,	PUNCT
asfbr-2	125	3	other	other	ADJ
asfbr-2	125	4	macroeconomic	macroeconomic	ADJ
asfbr-2	125	5	variable	variable	ADJ
asfbr-2	125	6	gdp	gdp	NOUN
asfbr-2	125	7	growth	growth	NOUN
asfbr-2	125	8	,	,	PUNCT
asfbr-2	125	9	broad	broad	ADJ
asfbr-2	125	10	money	money	NOUN
asfbr-2	125	11	supply	supply	NOUN
asfbr-2	125	12	growth	growth	NOUN
asfbr-2	125	13	,	,	PUNCT
asfbr-2	125	14	market	market	NOUN
asfbr-2	125	15	interest	interest	NOUN
asfbr-2	125	16	rate	rate	NOUN
asfbr-2	125	17	had	have	VERB
asfbr-2	125	18	no	no	DET
asfbr-2	125	19	any	any	DET
asfbr-2	125	20	influence	influence	NOUN
asfbr-2	125	21	in	in	ADP
asfbr-2	125	22	credit	credit	NOUN
asfbr-2	125	23	risk	risk	NOUN
asfbr-2	125	24	in	in	ADP
asfbr-2	125	25	the	the	DET
asfbr-2	125	26	nepalese	nepalese	ADJ
asfbr-2	125	27	banking	banking	NOUN
asfbr-2	125	28	sector	sector	NOUN
asfbr-2	125	29	during	during	ADP
asfbr-2	125	30	the	the	DET
asfbr-2	125	31	analysed	analyse	VERB
asfbr-2	125	32	period	period	NOUN
asfbr-2	125	33	.	.	PUNCT
asfbr-2	126	1	imbierowicz	imbierowicz	VERB
asfbr-2	126	2	&	&	CCONJ
asfbr-2	126	3	rauch	rauch	PROPN
asfbr-2	126	4	(	(	PUNCT
asfbr-2	126	5	2014	2014	NUM
asfbr-2	126	6	)	)	PUNCT
asfbr-2	126	7	investigated	investigate	VERB
asfbr-2	126	8	the	the	DET
asfbr-2	126	9	relationship	relationship	NOUN
asfbr-2	126	10	between	between	ADP
asfbr-2	126	11	the	the	DET
asfbr-2	126	12	two	two	NUM
asfbr-2	126	13	major	major	ADJ
asfbr-2	126	14	sources	source	NOUN
asfbr-2	126	15	of	of	ADP
asfbr-2	126	16	bank	bank	NOUN
asfbr-2	126	17	default	default	NOUN
asfbr-2	126	18	risk	risk	NOUN
asfbr-2	126	19	:	:	PUNCT
asfbr-2	126	20	liquidity	liquidity	NOUN
asfbr-2	126	21	risk	risk	NOUN
asfbr-2	126	22	and	and	CCONJ
asfbr-2	126	23	credit	credit	NOUN
asfbr-2	126	24	risk	risk	NOUN
asfbr-2	126	25	.	.	PUNCT
asfbr-2	127	1	result	result	NOUN
asfbr-2	127	2	of	of	ADP
asfbr-2	127	3	the	the	DET
asfbr-2	127	4	research	research	NOUN
asfbr-2	127	5	showed	show	VERB
asfbr-2	127	6	that	that	SCONJ
asfbr-2	127	7	both	both	DET
asfbr-2	127	8	risk	risk	NOUN
asfbr-2	127	9	categories	category	NOUN
asfbr-2	127	10	do	do	AUX
asfbr-2	127	11	not	not	PART
asfbr-2	127	12	have	have	VERB
asfbr-2	127	13	an	an	DET
asfbr-2	127	14	economically	economically	ADV
asfbr-2	127	15	meaningful	meaningful	ADJ
asfbr-2	127	16	reciprocal	reciprocal	ADJ
asfbr-2	127	17	contemporary	contemporary	ADJ
asfbr-2	127	18	or	or	CCONJ
asfbr-2	127	19	time	time	NOUN
asfbr-2	127	20	-	-	PUNCT
asfbr-2	127	21	lagged	lag	VERB
asfbr-2	127	22	relationship	relationship	NOUN
asfbr-2	127	23	.	.	PUNCT
asfbr-2	128	1	though	though	ADV
asfbr-2	128	2	,	,	PUNCT
asfbr-2	128	3	they	they	PRON
asfbr-2	128	4	do	do	VERB
asfbr-2	128	5	influence	influence	NOUN
asfbr-2	128	6	banks	bank	NOUN
asfbr-2	128	7	’	’	PART
asfbr-2	128	8	probability	probability	NOUN
asfbr-2	128	9	of	of	ADP
asfbr-2	128	10	default	default	NOUN
asfbr-2	128	11	.	.	PUNCT
asfbr-2	129	1	this	this	DET
asfbr-2	129	2	effect	effect	NOUN
asfbr-2	129	3	is	be	AUX
asfbr-2	129	4	two	two	NUM
asfbr-2	129	5	folded	fold	VERB
asfbr-2	129	6	:	:	PUNCT
asfbr-2	129	7	whereas	whereas	SCONJ
asfbr-2	129	8	both	both	DET
asfbr-2	129	9	risks	risk	NOUN
asfbr-2	129	10	separately	separately	ADV
asfbr-2	129	11	increase	increase	VERB
asfbr-2	129	12	the	the	DET
asfbr-2	129	13	pd	pd	PROPN
asfbr-2	129	14	,	,	PUNCT
asfbr-2	129	15	the	the	DET
asfbr-2	129	16	influence	influence	NOUN
asfbr-2	129	17	of	of	ADP
asfbr-2	129	18	their	their	PRON
asfbr-2	129	19	interaction	interaction	NOUN
asfbr-2	129	20	depends	depend	VERB
asfbr-2	129	21	on	on	ADP
asfbr-2	129	22	the	the	DET
asfbr-2	129	23	overall	overall	ADJ
asfbr-2	129	24	level	level	NOUN
asfbr-2	129	25	of	of	ADP
asfbr-2	129	26	bank	bank	NOUN
asfbr-2	129	27	risk	risk	NOUN
asfbr-2	129	28	and	and	CCONJ
asfbr-2	129	29	can	can	AUX
asfbr-2	129	30	either	either	CCONJ
asfbr-2	129	31	aggravate	aggravate	VERB
asfbr-2	129	32	or	or	CCONJ
asfbr-2	129	33	mitigate	mitigate	VERB
asfbr-2	129	34	default	default	NOUN
asfbr-2	129	35	risk	risk	NOUN
asfbr-2	129	36	.	.	PUNCT
asfbr-2	130	1	these	these	DET
asfbr-2	130	2	results	result	NOUN
asfbr-2	130	3	provided	provide	VERB
asfbr-2	130	4	new	new	ADJ
asfbr-2	130	5	insights	insight	NOUN
asfbr-2	130	6	into	into	ADP
asfbr-2	130	7	the	the	DET
asfbr-2	130	8	understanding	understanding	NOUN
asfbr-2	130	9	of	of	ADP
asfbr-2	130	10	bank	bank	NOUN
asfbr-2	130	11	risk	risk	NOUN
asfbr-2	130	12	,	,	PUNCT
asfbr-2	130	13	as	as	SCONJ
asfbr-2	130	14	developed	develop	VERB
asfbr-2	130	15	by	by	ADP
asfbr-2	130	16	the	the	DET
asfbr-2	130	17	body	body	NOUN
asfbr-2	130	18	of	of	ADP
asfbr-2	130	19	literature	literature	NOUN
asfbr-2	130	20	on	on	ADP
asfbr-2	130	21	bank	bank	NOUN
asfbr-2	130	22	stability	stability	NOUN
asfbr-2	130	23	risk	risk	NOUN
asfbr-2	130	24	in	in	ADP
asfbr-2	130	25	general	general	ADJ
asfbr-2	130	26	and	and	CCONJ
asfbr-2	130	27	credit	credit	NOUN
asfbr-2	130	28	and	and	CCONJ
asfbr-2	130	29	liquidity	liquidity	NOUN
asfbr-2	130	30	risk	risk	NOUN
asfbr-2	130	31	in	in	ADP
asfbr-2	130	32	particular	particular	ADJ
asfbr-2	130	33	.	.	PUNCT
asfbr-2	131	1	timsina	timsina	NOUN
asfbr-2	131	2	(	(	PUNCT
asfbr-2	131	3	2014	2014	NUM
asfbr-2	131	4	)	)	PUNCT
asfbr-2	131	5	examined	examine	VERB
asfbr-2	131	6	the	the	DET
asfbr-2	131	7	impact	impact	NOUN
asfbr-2	131	8	of	of	ADP
asfbr-2	131	9	commercial	commercial	ADJ
asfbr-2	131	10	bank	bank	NOUN
asfbr-2	131	11	credit	credit	NOUN
asfbr-2	131	12	to	to	ADP
asfbr-2	131	13	the	the	DET
asfbr-2	131	14	private	private	ADJ
asfbr-2	131	15	sector	sector	NOUN
asfbr-2	131	16	on	on	ADP
asfbr-2	131	17	the	the	DET
asfbr-2	131	18	economic	economic	ADJ
asfbr-2	131	19	growth	growth	NOUN
asfbr-2	131	20	in	in	ADP
asfbr-2	131	21	nepal	nepal	NOUN
asfbr-2	131	22	from	from	ADP
asfbr-2	131	23	supply	supply	NOUN
asfbr-2	131	24	side	side	NOUN
asfbr-2	131	25	perspectives	perspective	NOUN
asfbr-2	131	26	.	.	PUNCT
asfbr-2	132	1	the	the	DET
asfbr-2	132	2	empirical	empirical	ADJ
asfbr-2	132	3	results	result	NOUN
asfbr-2	132	4	showed	show	VERB
asfbr-2	132	5	that	that	SCONJ
asfbr-2	132	6	bank	bank	NOUN
asfbr-2	132	7	credit	credit	NOUN
asfbr-2	132	8	to	to	ADP
asfbr-2	132	9	the	the	DET
asfbr-2	132	10	private	private	ADJ
asfbr-2	132	11	sector	sector	NOUN
asfbr-2	132	12	had	have	VERB
asfbr-2	132	13	positive	positive	ADJ
asfbr-2	132	14	impacts	impact	NOUN
asfbr-2	132	15	on	on	ADP
asfbr-2	132	16	the	the	DET
asfbr-2	132	17	economic	economic	ADJ
asfbr-2	132	18	growth	growth	NOUN
asfbr-2	132	19	in	in	ADP
asfbr-2	132	20	nepal	nepal	NOUN
asfbr-2	132	21	only	only	ADV
asfbr-2	132	22	in	in	ADP
asfbr-2	132	23	the	the	DET
asfbr-2	132	24	long	long	ADJ
asfbr-2	132	25	run	run	NOUN
asfbr-2	132	26	.	.	PUNCT
asfbr-2	133	1	however	however	ADV
asfbr-2	133	2	,	,	PUNCT
asfbr-2	133	3	in	in	ADP
asfbr-2	133	4	the	the	DET
asfbr-2	133	5	short	short	ADJ
asfbr-2	133	6	run	run	NOUN
asfbr-2	133	7	,	,	PUNCT
asfbr-2	133	8	it	it	PRON
asfbr-2	133	9	observed	observe	VERB
asfbr-2	133	10	a	a	DET
asfbr-2	133	11	feedback	feedback	NOUN
asfbr-2	133	12	effect	effect	NOUN
asfbr-2	133	13	from	from	ADP
asfbr-2	133	14	economic	economic	ADJ
asfbr-2	133	15	growth	growth	NOUN
asfbr-2	133	16	to	to	ADP
asfbr-2	133	17	private	private	ADJ
asfbr-2	133	18	sector	sector	NOUN
asfbr-2	133	19	credit	credit	NOUN
asfbr-2	133	20	.	.	PUNCT
asfbr-2	134	1	research	research	NOUN
asfbr-2	134	2	method	method	NOUN
asfbr-2	134	3	and	and	CCONJ
asfbr-2	134	4	materials	material	NOUN
asfbr-2	134	5	in	in	ADP
asfbr-2	134	6	order	order	NOUN
asfbr-2	134	7	to	to	PART
asfbr-2	134	8	find	find	VERB
asfbr-2	134	9	answers	answer	NOUN
asfbr-2	134	10	to	to	ADP
asfbr-2	134	11	the	the	DET
asfbr-2	134	12	research	research	NOUN
asfbr-2	134	13	questions	question	NOUN
asfbr-2	134	14	useful	useful	ADJ
asfbr-2	134	15	different	different	ADJ
asfbr-2	134	16	methods	method	NOUN
asfbr-2	134	17	and	and	CCONJ
asfbr-2	134	18	instruments	instrument	NOUN
asfbr-2	134	19	were	be	AUX
asfbr-2	134	20	used	use	VERB
asfbr-2	134	21	to	to	PART
asfbr-2	134	22	collect	collect	VERB
asfbr-2	134	23	data	datum	NOUN
asfbr-2	134	24	.	.	PUNCT
asfbr-2	135	1	the	the	DET
asfbr-2	135	2	researcher	researcher	NOUN
asfbr-2	135	3	has	have	AUX
asfbr-2	135	4	chosen	choose	VERB
asfbr-2	135	5	the	the	DET
asfbr-2	135	6	survey	survey	NOUN
asfbr-2	135	7	as	as	ADP
asfbr-2	135	8	the	the	DET
asfbr-2	135	9	appropriate	appropriate	ADJ
asfbr-2	135	10	research	research	NOUN
asfbr-2	135	11	design	design	NOUN
asfbr-2	135	12	for	for	ADP
asfbr-2	135	13	the	the	DET
asfbr-2	135	14	study	study	NOUN
asfbr-2	135	15	,	,	PUNCT
asfbr-2	135	16	and	and	CCONJ
asfbr-2	135	17	as	as	ADP
asfbr-2	135	18	such	such	ADJ
asfbr-2	135	19	,	,	PUNCT
asfbr-2	135	20	questionnaires	questionnaire	NOUN
asfbr-2	135	21	were	be	AUX
asfbr-2	135	22	used	use	VERB
asfbr-2	135	23	as	as	ADP
asfbr-2	135	24	research	research	NOUN
asfbr-2	135	25	instruments	instrument	NOUN
asfbr-2	135	26	.	.	PUNCT
asfbr-2	136	1	a	a	DET
asfbr-2	136	2	sample	sample	NOUN
asfbr-2	136	3	of	of	ADP
asfbr-2	136	4	6	6	NUM
asfbr-2	136	5	commercial	commercial	ADJ
asfbr-2	136	6	banks	bank	NOUN
asfbr-2	136	7	randomly	randomly	ADV
asfbr-2	136	8	chosen	choose	VERB
asfbr-2	136	9	was	be	AUX
asfbr-2	136	10	used	use	VERB
asfbr-2	136	11	in	in	ADP
asfbr-2	136	12	this	this	DET
asfbr-2	136	13	analysis	analysis	NOUN
asfbr-2	136	14	.	.	PUNCT
asfbr-2	137	1	ten	ten	NUM
asfbr-2	137	2	questionnaires	questionnaire	NOUN
asfbr-2	137	3	were	be	AUX
asfbr-2	137	4	used	use	VERB
asfbr-2	137	5	to	to	PART
asfbr-2	137	6	gather	gather	VERB
asfbr-2	137	7	data	datum	NOUN
asfbr-2	137	8	with	with	ADP
asfbr-2	137	9	about	about	ADV
asfbr-2	137	10	two	two	NUM
asfbr-2	137	11	categories	category	NOUN
asfbr-2	137	12	of	of	ADP
asfbr-2	137	13	banks	bank	NOUN
asfbr-2	137	14	like	like	ADP
asfbr-2	137	15	state	state	NOUN
asfbr-2	137	16	owned	own	VERB
asfbr-2	137	17	and	and	CCONJ
asfbr-2	137	18	private	private	ADJ
asfbr-2	137	19	sector	sector	NOUN
asfbr-2	137	20	banks	bank	NOUN
asfbr-2	137	21	.	.	PUNCT
asfbr-2	138	1	a	a	DET
asfbr-2	138	2	chosen	choose	VERB
asfbr-2	138	3	.	.	PUNCT
asfbr-2	139	1	descriptive	descriptive	ADJ
asfbr-2	139	2	statistics	statistic	NOUN
asfbr-2	139	3	,	,	PUNCT
asfbr-2	139	4	anova	anova	PROPN
asfbr-2	139	5	and	and	CCONJ
asfbr-2	139	6	regression	regression	NOUN
asfbr-2	139	7	used	use	VERB
asfbr-2	139	8	to	to	PART
asfbr-2	139	9	analyze	analyze	VERB
asfbr-2	139	10	the	the	DET
asfbr-2	139	11	data	datum	NOUN
asfbr-2	139	12	.	.	PUNCT
asfbr-2	140	1	to	to	PART
asfbr-2	140	2	ensure	ensure	VERB
asfbr-2	140	3	accuracy	accuracy	NOUN
asfbr-2	140	4	,	,	PUNCT
asfbr-2	140	5	internal	internal	ADJ
asfbr-2	140	6	consistency	consistency	NOUN
asfbr-2	140	7	and	and	CCONJ
asfbr-2	140	8	completeness	completeness	NOUN
asfbr-2	140	9	,	,	PUNCT
asfbr-2	140	10	reliability	reliability	NOUN
asfbr-2	140	11	of	of	ADP
asfbr-2	140	12	the	the	DET
asfbr-2	140	13	instrument	instrument	NOUN
asfbr-2	140	14	was	be	AUX
asfbr-2	140	15	established	establish	VERB
asfbr-2	140	16	using	use	VERB
asfbr-2	140	17	cronbach	cronbach	NOUN
asfbr-2	140	18	’s	’s	PART
asfbr-2	140	19	alpha	alpha	NOUN
asfbr-2	140	20	coefficient	coefficient	NOUN
asfbr-2	140	21	test	test	NOUN
asfbr-2	140	22	(	(	PUNCT
asfbr-2	140	23	cronbach	cronbach	ADJ
asfbr-2	140	24	,	,	PUNCT
asfbr-2	140	25	1946	1946	NUM
asfbr-2	140	26	)	)	PUNCT
asfbr-2	140	27	.	.	PUNCT
asfbr-2	141	1	the	the	DET
asfbr-2	141	2	choice	choice	NOUN
asfbr-2	141	3	of	of	ADP
asfbr-2	141	4	this	this	DET
asfbr-2	141	5	indicator	indicator	NOUN
asfbr-2	141	6	was	be	AUX
asfbr-2	141	7	influenced	influence	VERB
asfbr-2	141	8	by	by	ADP
asfbr-2	141	9	the	the	DET
asfbr-2	141	10	simplicity	simplicity	NOUN
asfbr-2	141	11	and	and	CCONJ
asfbr-2	141	12	its	its	PRON
asfbr-2	141	13	prominence	prominence	NOUN
asfbr-2	141	14	in	in	ADP
asfbr-2	141	15	banking	banking	NOUN
asfbr-2	141	16	risk	risk	NOUN
asfbr-2	141	17	literature	literature	NOUN
asfbr-2	141	18	.	.	PUNCT
asfbr-2	142	1	the	the	DET
asfbr-2	142	2	higher	high	ADJ
asfbr-2	142	3	generated	generate	VERB
asfbr-2	142	4	score	score	NOUN
asfbr-2	142	5	is	be	AUX
asfbr-2	142	6	more	more	ADV
asfbr-2	142	7	reliable	reliable	ADJ
asfbr-2	142	8	.	.	PUNCT
asfbr-2	143	1	nunnaly	nunnaly	PROPN
asfbr-2	143	2	(	(	PUNCT
asfbr-2	143	3	1978	1978	NUM
asfbr-2	143	4	)	)	PUNCT
asfbr-2	143	5	has	have	AUX
asfbr-2	143	6	indicated	indicate	VERB
asfbr-2	143	7	0.7	0.7	NUM
asfbr-2	143	8	to	to	PART
asfbr-2	143	9	be	be	AUX
asfbr-2	143	10	an	an	DET
asfbr-2	143	11	acceptable	acceptable	ADJ
asfbr-2	143	12	reliability	reliability	NOUN
asfbr-2	143	13	coefficient	coefficient	NOUN
asfbr-2	143	14	to	to	PART
asfbr-2	143	15	measure	measure	VERB
asfbr-2	143	16	the	the	DET
asfbr-2	143	17	reliability	reliability	NOUN
asfbr-2	143	18	but	but	CCONJ
asfbr-2	143	19	lower	low	ADJ
asfbr-2	143	20	thresholds	threshold	NOUN
asfbr-2	143	21	are	be	AUX
asfbr-2	143	22	sometimes	sometimes	ADV
asfbr-2	143	23	used	use	VERB
asfbr-2	143	24	in	in	ADP
asfbr-2	143	25	the	the	DET
asfbr-2	143	26	literature	literature	NOUN
asfbr-2	143	27	.	.	PUNCT
asfbr-2	144	1	in	in	ADP
asfbr-2	144	2	this	this	DET
asfbr-2	144	3	case	case	NOUN
asfbr-2	144	4	,	,	PUNCT
asfbr-2	144	5	the	the	DET
asfbr-2	144	6	alpha	alpha	NOUN
asfbr-2	144	7	(	(	PUNCT
asfbr-2	144	8	α	α	NOUN
asfbr-2	144	9	)	)	PUNCT
asfbr-2	144	10	coefficients	coefficient	NOUN
asfbr-2	144	11	were	be	AUX
asfbr-2	144	12	0.86	0.86	NUM
asfbr-2	144	13	,	,	PUNCT
asfbr-2	144	14	which	which	PRON
asfbr-2	144	15	is	be	AUX
asfbr-2	144	16	acceptable	acceptable	ADJ
asfbr-2	144	17	level	level	NOUN
asfbr-2	144	18	.	.	PUNCT
asfbr-2	145	1	3	3	X
asfbr-2	145	2	.	.	NOUN
asfbr-2	145	3	result	result	NOUN
asfbr-2	145	4	and	and	CCONJ
asfbr-2	145	5	discussion	discussion	NOUN
asfbr-2	145	6	this	this	DET
asfbr-2	145	7	section	section	NOUN
asfbr-2	145	8	presents	present	VERB
asfbr-2	145	9	the	the	DET
asfbr-2	145	10	findings	finding	NOUN
asfbr-2	145	11	obtained	obtain	VERB
asfbr-2	145	12	from	from	ADP
asfbr-2	145	13	the	the	DET
asfbr-2	145	14	data	datum	NOUN
asfbr-2	145	15	analysis	analysis	NOUN
asfbr-2	145	16	.	.	PUNCT
asfbr-2	146	1	this	this	DET
asfbr-2	146	2	result	result	NOUN
asfbr-2	146	3	is	be	AUX
asfbr-2	146	4	presented	present	VERB
asfbr-2	146	5	in	in	ADP
asfbr-2	146	6	two	two	NUM
asfbr-2	146	7	sub	sub	NOUN
asfbr-2	146	8	sections	section	NOUN
asfbr-2	146	9	:	:	PUNCT
asfbr-2	146	10	descriptive	descriptive	ADJ
asfbr-2	146	11	statistical	statistical	ADJ
asfbr-2	146	12	analysis	analysis	NOUN
asfbr-2	146	13	and	and	CCONJ
asfbr-2	146	14	regression	regression	VERB
asfbr-2	146	15	analysis	analysis	NOUN
asfbr-2	146	16	.	.	PUNCT
asfbr-2	147	1	3.1	3.1	NUM
asfbr-2	147	2	descriptive	descriptive	ADJ
asfbr-2	147	3	statistical	statistical	ADJ
asfbr-2	147	4	analysis	analysis	NOUN
asfbr-2	147	5	as	as	SCONJ
asfbr-2	147	6	shown	show	VERB
asfbr-2	147	7	in	in	ADP
asfbr-2	147	8	the	the	DET
asfbr-2	147	9	given	give	VERB
asfbr-2	147	10	table	table	NOUN
asfbr-2	147	11	,	,	PUNCT
asfbr-2	147	12	there	there	PRON
asfbr-2	147	13	was	be	VERB
asfbr-2	147	14	found	find	VERB
asfbr-2	147	15	difference	difference	NOUN
asfbr-2	147	16	of	of	ADP
asfbr-2	147	17	mean	mean	ADJ
asfbr-2	147	18	value	value	NOUN
asfbr-2	147	19	of	of	ADP
asfbr-2	147	20	the	the	DET
asfbr-2	147	21	sources	source	NOUN
asfbr-2	147	22	of	of	ADP
asfbr-2	147	23	credit	credit	NOUN
asfbr-2	147	24	risk	risk	NOUN
asfbr-2	147	25	such	such	ADJ
asfbr-2	147	26	as	as	ADP
asfbr-2	147	27	collaterals	collateral	NOUN
asfbr-2	147	28	,	,	PUNCT
asfbr-2	147	29	characters	character	NOUN
asfbr-2	147	30	,	,	PUNCT
asfbr-2	147	31	capacity	capacity	NOUN
asfbr-2	147	32	,	,	PUNCT
asfbr-2	147	33	capital	capital	NOUN
asfbr-2	147	34	,	,	PUNCT
asfbr-2	147	35	condition	condition	NOUN
asfbr-2	147	36	,	,	PUNCT
asfbr-2	147	37	legality	legality	NOUN
asfbr-2	147	38	of	of	ADP
asfbr-2	147	39	the	the	DET
asfbr-2	147	40	business	business	NOUN
asfbr-2	147	41	,	,	PUNCT
asfbr-2	147	42	economy	economy	NOUN
asfbr-2	147	43	of	of	ADP
asfbr-2	147	44	the	the	DET
asfbr-2	147	45	country	country	NOUN
asfbr-2	147	46	,	,	PUNCT
asfbr-2	147	47	business	business	NOUN
asfbr-2	147	48	environment	environment	NOUN
asfbr-2	147	49	and	and	CCONJ
asfbr-2	147	50	industrial	industrial	ADJ
asfbr-2	147	51	relation	relation	NOUN
asfbr-2	147	52	in	in	ADP
asfbr-2	147	53	state	state	NOUN
asfbr-2	147	54	-	-	PUNCT
asfbr-2	147	55	owned	own	VERB
asfbr-2	147	56	and	and	CCONJ
asfbr-2	147	57	private	private	ADJ
asfbr-2	147	58	sector	sector	NOUN
asfbr-2	147	59	banks	bank	NOUN
asfbr-2	147	60	in	in	ADP
asfbr-2	147	61	nepal	nepal	ADJ
asfbr-2	147	62	.	.	PUNCT
asfbr-2	148	1	the	the	DET
asfbr-2	148	2	result	result	NOUN
asfbr-2	148	3	indicates	indicate	VERB
asfbr-2	148	4	that	that	SCONJ
asfbr-2	148	5	sources	source	NOUN
asfbr-2	148	6	of	of	ADP
asfbr-2	148	7	credit	credit	NOUN
asfbr-2	148	8	are	be	AUX
asfbr-2	148	9	different	different	ADJ
asfbr-2	148	10	level	level	NOUN
asfbr-2	148	11	in	in	ADP
asfbr-2	148	12	the	the	DET
asfbr-2	148	13	nepalese	nepalese	ADJ
asfbr-2	148	14	commercial	commercial	ADJ
asfbr-2	148	15	banks	bank	NOUN
asfbr-2	148	16	.	.	PUNCT
asfbr-2	149	1	table-1	table-1	NUM
asfbr-2	149	2	:	:	PUNCT
asfbr-2	149	3	descriptive	descriptive	ADJ
asfbr-2	149	4	statistics	statistic	NOUN
asfbr-2	149	5	of	of	ADP
asfbr-2	149	6	credit	credit	NOUN
asfbr-2	149	7	risk	risk	NOUN
asfbr-2	149	8	measuring	measure	VERB
asfbr-2	149	9	techniques	technique	NOUN
asfbr-2	149	10	source	source	NOUN
asfbr-2	149	11	:	:	PUNCT
asfbr-2	149	12	survey	survey	NOUN
asfbr-2	149	13	data	datum	NOUN
asfbr-2	149	14	2015	2015	NUM
asfbr-2	149	15	,	,	PUNCT
asfbr-2	149	16	sob=	sob=	PROPN
asfbr-2	149	17	state	state	NOUN
asfbr-2	149	18	-	-	PUNCT
asfbr-2	149	19	owned	own	VERB
asfbr-2	149	20	banks	bank	NOUN
asfbr-2	149	21	,	,	PUNCT
asfbr-2	149	22	psb	psb	PROPN
asfbr-2	149	23	=	=	PROPN
asfbr-2	149	24	public	public	ADJ
asfbr-2	149	25	sector	sector	NOUN
asfbr-2	149	26	banks	bank	NOUN
asfbr-2	149	27	,	,	PUNCT
asfbr-2	149	28	the	the	DET
asfbr-2	149	29	one	one	NUM
asfbr-2	149	30	way	way	NOUN
asfbr-2	149	31	anova	anova	PROPN
asfbr-2	149	32	has	have	AUX
asfbr-2	149	33	been	be	AUX
asfbr-2	149	34	used	use	VERB
asfbr-2	149	35	to	to	PART
asfbr-2	149	36	see	see	VERB
asfbr-2	149	37	the	the	DET
asfbr-2	149	38	any	any	DET
asfbr-2	149	39	differences	difference	NOUN
asfbr-2	149	40	between	between	ADP
asfbr-2	149	41	state	state	NOUN
asfbr-2	149	42	-	-	PUNCT
asfbr-2	149	43	owned	own	VERB
asfbr-2	149	44	banks	bank	NOUN
asfbr-2	149	45	and	and	CCONJ
asfbr-2	149	46	private	private	ADJ
asfbr-2	149	47	sector	sector	NOUN
asfbr-2	149	48	banks	bank	NOUN
asfbr-2	149	49	in	in	ADP
asfbr-2	149	50	the	the	DET
asfbr-2	149	51	analysis	analysis	NOUN
asfbr-2	149	52	of	of	ADP
asfbr-2	149	53	the	the	DET
asfbr-2	149	54	collaterals	collateral	NOUN
asfbr-2	149	55	against	against	ADP
asfbr-2	149	56	the	the	DET
asfbr-2	149	57	bank	bank	NOUN
asfbr-2	149	58	loan	loan	NOUN
asfbr-2	149	59	.	.	PUNCT
asfbr-2	150	1	it	it	PRON
asfbr-2	150	2	demonstrated	demonstrate	VERB
asfbr-2	150	3	the	the	DET
asfbr-2	150	4	model	model	NOUN
asfbr-2	150	5	was	be	AUX
asfbr-2	150	6	significant	significant	ADJ
asfbr-2	150	7	(	(	PUNCT
asfbr-2	150	8	p<0.05	p<0.05	NOUN
asfbr-2	150	9	)	)	PUNCT
asfbr-2	150	10	with	with	ADP
asfbr-2	150	11	f	f	PROPN
asfbr-2	150	12	value	value	PROPN
asfbr-2	150	13	148.216	148.216	NUM
asfbr-2	150	14	at	at	ADP
asfbr-2	150	15	one	one	NUM
asfbr-2	150	16	degree	degree	NOUN
asfbr-2	150	17	of	of	ADP
asfbr-2	150	18	freedom	freedom	NOUN
asfbr-2	150	19	.	.	PUNCT
asfbr-2	151	1	similarly	similarly	ADV
asfbr-2	151	2	,	,	PUNCT
asfbr-2	151	3	there	there	PRON
asfbr-2	151	4	was	be	VERB
asfbr-2	151	5	significant	significant	ADJ
asfbr-2	151	6	differences	difference	NOUN
asfbr-2	151	7	(	(	PUNCT
asfbr-2	151	8	p<0.05	p<0.05	NOUN
asfbr-2	151	9	)	)	PUNCT
asfbr-2	151	10	in	in	ADP
asfbr-2	151	11	the	the	DET
asfbr-2	151	12	analysis	analysis	NOUN
asfbr-2	151	13	of	of	ADP
asfbr-2	151	14	the	the	DET
asfbr-2	151	15	characters	character	NOUN
asfbr-2	151	16	of	of	ADP
asfbr-2	151	17	the	the	DET
asfbr-2	151	18	borrower	borrower	NOUN
asfbr-2	151	19	between	between	ADP
asfbr-2	151	20	state	state	NOUN
asfbr-2	151	21	-	-	PUNCT
asfbr-2	151	22	owned	own	VERB
asfbr-2	151	23	bank	bank	NOUN
asfbr-2	151	24	and	and	CCONJ
asfbr-2	151	25	private	private	ADJ
asfbr-2	151	26	banks	bank	NOUN
asfbr-2	151	27	with	with	ADP
asfbr-2	151	28	f	f	PROPN
asfbr-2	151	29	value	value	NOUN
asfbr-2	151	30	30.428	30.428	NUM
asfbr-2	151	31	at	at	ADP
asfbr-2	151	32	one	one	NUM
asfbr-2	151	33	degree	degree	NOUN
asfbr-2	151	34	of	of	ADP
asfbr-2	151	35	freedom	freedom	NOUN
asfbr-2	151	36	.	.	PUNCT
asfbr-2	152	1	the	the	DET
asfbr-2	152	2	analysis	analysis	NOUN
asfbr-2	152	3	of	of	ADP
asfbr-2	152	4	variance	variance	NOUN
asfbr-2	152	5	(	(	PUNCT
asfbr-2	152	6	anova	anova	PROPN
asfbr-2	152	7	)	)	PUNCT
asfbr-2	152	8	of	of	ADP
asfbr-2	152	9	capacity	capacity	NOUN
asfbr-2	152	10	of	of	ADP
asfbr-2	152	11	the	the	DET
asfbr-2	152	12	borrowers	borrower	NOUN
asfbr-2	152	13	shows	show	VERB
asfbr-2	152	14	that	that	SCONJ
asfbr-2	152	15	f	f	PROPN
asfbr-2	152	16	value	value	NOUN
asfbr-2	152	17	is	be	AUX
asfbr-2	152	18	23.913	23.913	NUM
asfbr-2	152	19	at	at	ADP
asfbr-2	152	20	significant	significant	ADJ
asfbr-2	152	21	level	level	NOUN
asfbr-2	152	22	(	(	PUNCT
asfbr-2	152	23	p<0.05	p<0.05	NOUN
asfbr-2	152	24	)	)	PUNCT
asfbr-2	152	25	suggesting	suggest	VERB
asfbr-2	152	26	that	that	SCONJ
asfbr-2	152	27	there	there	PRON
asfbr-2	152	28	was	be	VERB
asfbr-2	152	29	a	a	DET
asfbr-2	152	30	significant	significant	ADJ
asfbr-2	152	31	differences	difference	NOUN
asfbr-2	152	32	between	between	ADP
asfbr-2	152	33	two	two	NUM
asfbr-2	152	34	group	group	NOUN
asfbr-2	152	35	of	of	ADP
asfbr-2	152	36	banks	bank	NOUN
asfbr-2	152	37	.	.	PUNCT
asfbr-2	153	1	similarly	similarly	ADV
asfbr-2	153	2	,	,	PUNCT
asfbr-2	153	3	anova	anova	PROPN
asfbr-2	153	4	of	of	ADP
asfbr-2	153	5	capital	capital	NOUN
asfbr-2	153	6	of	of	ADP
asfbr-2	153	7	the	the	DET
asfbr-2	153	8	borrower	borrower	NOUN
asfbr-2	153	9	demonstrated	demonstrate	VERB
asfbr-2	153	10	that	that	SCONJ
asfbr-2	153	11	there	there	PRON
asfbr-2	153	12	was	be	VERB
asfbr-2	153	13	significant	significant	ADJ
asfbr-2	153	14	(	(	PUNCT
asfbr-2	153	15	p<0.05	p<0.05	NOUN
asfbr-2	153	16	)	)	PUNCT
asfbr-2	153	17	differences	difference	NOUN
asfbr-2	153	18	with	with	ADP
asfbr-2	153	19	f	f	PROPN
asfbr-2	153	20	value	value	NOUN
asfbr-2	153	21	22.682	22.682	NUM
asfbr-2	153	22	at	at	ADP
asfbr-2	153	23	one	one	NUM
asfbr-2	153	24	degree	degree	NOUN
asfbr-2	153	25	of	of	ADP
asfbr-2	153	26	freedom	freedom	NOUN
asfbr-2	153	27	.	.	PUNCT
asfbr-2	154	1	table	table	NOUN
asfbr-2	154	2	2	2	NUM
asfbr-2	154	3	analysis	analysis	NOUN
asfbr-2	154	4	of	of	ADP
asfbr-2	154	5	variance	variance	NOUN
asfbr-2	154	6	  	  	SPACE
asfbr-2	154	7	sum	sum	NOUN
asfbr-2	154	8	of	of	ADP
asfbr-2	154	9	squares	square	NOUN
asfbr-2	154	10	df	df	PROPN
asfbr-2	154	11	mean	mean	PROPN
asfbr-2	154	12	square	square	PROPN
asfbr-2	154	13	f	f	PROPN
asfbr-2	154	14	sig	sig	PROPN
asfbr-2	154	15	.	.	PUNCT
asfbr-2	155	1	collaterals	collateral	NOUN
asfbr-2	155	2	between	between	ADP
asfbr-2	155	3	groups	group	NOUN
asfbr-2	155	4	20.754	20.754	NUM
asfbr-2	155	5	1	1	NUM
asfbr-2	155	6	20.754	20.754	NUM
asfbr-2	155	7	148.216	148.216	NUM
asfbr-2	155	8	0	0	NUM
asfbr-2	155	9	within	within	ADP
asfbr-2	155	10	groups	group	NOUN
asfbr-2	155	11	52.93	52.93	NUM
asfbr-2	155	12	378	378	NUM
asfbr-2	155	13	0.14	0.14	NUM
asfbr-2	155	14	    	    	SPACE
asfbr-2	155	15	total	total	ADJ
asfbr-2	155	16	73.684	73.684	NUM
asfbr-2	155	17	379	379	NUM
asfbr-2	155	18	      	      	SPACE
asfbr-2	155	19	characters	character	NOUN
asfbr-2	155	20	between	between	ADP
asfbr-2	155	21	groups	group	NOUN
asfbr-2	155	22	5.275	5.275	NUM
asfbr-2	155	23	1	1	NUM
asfbr-2	155	24	5.275	5.275	NUM
asfbr-2	155	25	30.428	30.428	NUM
asfbr-2	155	26	0	0	NUM
asfbr-2	156	1	within	within	ADP
asfbr-2	156	2	groups	group	NOUN
asfbr-2	156	3	65.525	65.525	NUM
asfbr-2	156	4	378	378	NUM
asfbr-2	156	5	0.173	0.173	NUM
asfbr-2	156	6	    	    	SPACE
asfbr-2	156	7	total	total	ADJ
asfbr-2	156	8	70.8	70.8	NUM
asfbr-2	156	9	379	379	NUM
asfbr-2	156	10	      	      	SPACE
asfbr-2	156	11	capacity	capacity	NOUN
asfbr-2	156	12	between	between	ADP
asfbr-2	156	13	groups	group	NOUN
asfbr-2	156	14	4.318	4.318	NUM
asfbr-2	156	15	1	1	NUM
asfbr-2	156	16	4.318	4.318	NUM
asfbr-2	156	17	23.913	23.913	NUM
asfbr-2	156	18	0	0	NUM
asfbr-2	156	19	within	within	ADP
asfbr-2	156	20	groups	group	NOUN
asfbr-2	156	21	68.258	68.258	NUM
asfbr-2	156	22	378	378	NUM
asfbr-2	156	23	0.181	0.181	NUM
asfbr-2	156	24	    	    	SPACE
asfbr-2	156	25	total	total	ADJ
asfbr-2	156	26	72.576	72.576	NUM
asfbr-2	156	27	379	379	NUM
asfbr-2	156	28	      	      	SPACE
asfbr-2	156	29	capital	capital	NOUN
asfbr-2	156	30	between	between	ADP
asfbr-2	156	31	groups	group	NOUN
asfbr-2	156	32	4.301	4.301	NUM
asfbr-2	156	33	1	1	NUM
asfbr-2	156	34	4.301	4.301	NUM
asfbr-2	156	35	22.682	22.682	NUM
asfbr-2	156	36	0	0	NUM
asfbr-2	156	37	within	within	ADP
asfbr-2	156	38	groups	group	NOUN
asfbr-2	156	39	71.685	71.685	NUM
asfbr-2	156	40	378	378	NUM
asfbr-2	156	41	0.19	0.19	NUM
asfbr-2	156	42	    	    	SPACE
asfbr-2	156	43	total	total	ADJ
asfbr-2	156	44	75.987	75.987	NUM
asfbr-2	156	45	379	379	NUM
asfbr-2	156	46	      	      	SPACE
asfbr-2	156	47	condition	condition	NOUN
asfbr-2	156	48	between	between	ADP
asfbr-2	156	49	groups	group	NOUN
asfbr-2	156	50	4.629	4.629	NUM
asfbr-2	156	51	1	1	NUM
asfbr-2	156	52	4.629	4.629	NUM
asfbr-2	156	53	26.207	26.207	NUM
asfbr-2	156	54	0	0	NUM
asfbr-2	156	55	within	within	ADP
asfbr-2	156	56	groups	group	NOUN
asfbr-2	156	57	66.768	66.768	NUM
asfbr-2	156	58	378	378	NUM
asfbr-2	156	59	0.177	0.177	NUM
asfbr-2	156	60	    	    	SPACE
asfbr-2	156	61	total	total	ADJ
asfbr-2	156	62	71.397	71.397	NUM
asfbr-2	156	63	379	379	NUM
asfbr-2	156	64	      	      	SPACE
asfbr-2	156	65	legality	legality	NOUN
asfbr-2	156	66	between	between	ADP
asfbr-2	156	67	groups	group	NOUN
asfbr-2	156	68	4.326	4.326	NUM
asfbr-2	156	69	1	1	NUM
asfbr-2	156	70	4.326	4.326	NUM
asfbr-2	156	71	24.602	24.602	NUM
asfbr-2	156	72	0	0	NUM
asfbr-2	156	73	within	within	ADP
asfbr-2	156	74	groups	group	NOUN
asfbr-2	156	75	66.474	66.474	NUM
asfbr-2	156	76	378	378	NUM
asfbr-2	156	77	0.176	0.176	NUM
asfbr-2	156	78	    	    	SPACE
asfbr-2	156	79	total	total	ADJ
asfbr-2	156	80	70.8	70.8	NUM
asfbr-2	156	81	379	379	NUM
asfbr-2	156	82	      	      	SPACE
asfbr-2	156	83	economy	economy	NOUN
asfbr-2	156	84	between	between	ADP
asfbr-2	156	85	groups	group	NOUN
asfbr-2	156	86	4.96	4.96	NUM
asfbr-2	156	87	1	1	NUM
asfbr-2	156	88	4.96	4.96	NUM
asfbr-2	156	89	35.111	35.111	NUM
asfbr-2	156	90	0	0	NUM
asfbr-2	156	91	within	within	ADP
asfbr-2	156	92	groups	group	NOUN
asfbr-2	156	93	53.398	53.398	NUM
asfbr-2	156	94	378	378	NUM
asfbr-2	156	95	0.141	0.141	NUM
asfbr-2	156	96	    	    	SPACE
asfbr-2	156	97	total	total	ADJ
asfbr-2	156	98	58.358	58.358	NUM
asfbr-2	156	99	379	379	NUM
asfbr-2	156	100	      	      	SPACE
asfbr-2	156	101	environment	environment	NOUN
asfbr-2	156	102	between	between	ADP
asfbr-2	156	103	groups	group	NOUN
asfbr-2	156	104	5.958	5.958	NUM
asfbr-2	156	105	1	1	NUM
asfbr-2	156	106	5.958	5.958	NUM
asfbr-2	156	107	20.706	20.706	NUM
asfbr-2	156	108	0	0	NUM
asfbr-2	156	109	within	within	ADP
asfbr-2	156	110	groups	group	NOUN
asfbr-2	156	111	108.768	108.768	NUM
asfbr-2	156	112	378	378	NUM
asfbr-2	156	113	0.288	0.288	NUM
asfbr-2	156	114	    	    	SPACE
asfbr-2	156	115	total	total	ADJ
asfbr-2	156	116	114.726	114.726	NUM
asfbr-2	156	117	379	379	NUM
asfbr-2	156	118	      	      	SPACE
asfbr-2	156	119	industrial	industrial	ADJ
asfbr-2	156	120	relation	relation	NOUN
asfbr-2	156	121	between	between	ADP
asfbr-2	156	122	groups	group	NOUN
asfbr-2	156	123	53.731	53.731	NUM
asfbr-2	156	124	1	1	NUM
asfbr-2	156	125	53.731	53.731	NUM
asfbr-2	156	126	77.057	77.057	NUM
asfbr-2	156	127	0	0	NUM
asfbr-2	156	128	within	within	ADP
asfbr-2	156	129	groups	group	NOUN
asfbr-2	156	130	263.574	263.574	NUM
asfbr-2	156	131	378	378	NUM
asfbr-2	156	132	0.697	0.697	NUM
asfbr-2	156	133	    	    	SPACE
asfbr-2	156	134	total	total	ADJ
asfbr-2	156	135	317.305	317.305	NUM
asfbr-2	156	136	379	379	NUM
asfbr-2	156	137	      	      	SPACE
asfbr-2	156	138	the	the	DET
asfbr-2	156	139	analysis	analysis	NOUN
asfbr-2	156	140	of	of	ADP
asfbr-2	156	141	variance	variance	NOUN
asfbr-2	156	142	(	(	PUNCT
asfbr-2	156	143	anova	anova	PROPN
asfbr-2	156	144	)	)	PUNCT
asfbr-2	156	145	of	of	ADP
asfbr-2	156	146	condition	condition	NOUN
asfbr-2	156	147	of	of	ADP
asfbr-2	156	148	borrower	borrower	NOUN
asfbr-2	156	149	shows	show	VERB
asfbr-2	156	150	that	that	SCONJ
asfbr-2	156	151	f	f	PROPN
asfbr-2	156	152	value	value	NOUN
asfbr-2	156	153	is	be	AUX
asfbr-2	156	154	26.207	26.207	NUM
asfbr-2	156	155	at	at	ADP
asfbr-2	156	156	significant	significant	ADJ
asfbr-2	156	157	level	level	NOUN
asfbr-2	156	158	(	(	PUNCT
asfbr-2	156	159	p<0.05	p<0.05	NOUN
asfbr-2	156	160	)	)	PUNCT
asfbr-2	156	161	symptomatic	symptomatic	ADJ
asfbr-2	156	162	of	of	ADP
asfbr-2	156	163	significant	significant	ADJ
asfbr-2	156	164	differences	difference	NOUN
asfbr-2	156	165	between	between	ADP
asfbr-2	156	166	two	two	NUM
asfbr-2	156	167	group	group	NOUN
asfbr-2	156	168	of	of	ADP
asfbr-2	156	169	banks	bank	NOUN
asfbr-2	156	170	.	.	PUNCT
asfbr-2	157	1	similarly	similarly	ADV
asfbr-2	157	2	,	,	PUNCT
asfbr-2	157	3	anova	anova	X
asfbr-2	157	4	of	of	ADP
asfbr-2	157	5	legality	legality	NOUN
asfbr-2	157	6	of	of	ADP
asfbr-2	157	7	the	the	DET
asfbr-2	157	8	business	business	NOUN
asfbr-2	157	9	demonstrated	demonstrate	VERB
asfbr-2	157	10	that	that	SCONJ
asfbr-2	157	11	there	there	PRON
asfbr-2	157	12	was	be	VERB
asfbr-2	157	13	significant	significant	ADJ
asfbr-2	157	14	(	(	PUNCT
asfbr-2	157	15	p<0.05	p<0.05	NOUN
asfbr-2	157	16	)	)	PUNCT
asfbr-2	157	17	differences	difference	NOUN
asfbr-2	157	18	with	with	ADP
asfbr-2	157	19	f	f	PROPN
asfbr-2	157	20	value	value	NOUN
asfbr-2	157	21	24.602	24.602	NUM
asfbr-2	157	22	at	at	ADP
asfbr-2	157	23	one	one	NUM
asfbr-2	157	24	degree	degree	NOUN
asfbr-2	157	25	of	of	ADP
asfbr-2	157	26	freedom	freedom	NOUN
asfbr-2	157	27	.	.	PUNCT
asfbr-2	158	1	the	the	DET
asfbr-2	158	2	analysis	analysis	NOUN
asfbr-2	158	3	of	of	ADP
asfbr-2	158	4	variance	variance	NOUN
asfbr-2	158	5	(	(	PUNCT
asfbr-2	158	6	anova	anova	PROPN
asfbr-2	158	7	)	)	PUNCT
asfbr-2	158	8	of	of	ADP
asfbr-2	158	9	the	the	DET
asfbr-2	158	10	economy	economy	NOUN
asfbr-2	158	11	,	,	PUNCT
asfbr-2	158	12	environment	environment	NOUN
asfbr-2	158	13	and	and	CCONJ
asfbr-2	158	14	industrial	industrial	ADJ
asfbr-2	158	15	relation	relation	NOUN
asfbr-2	158	16	demonstrated	demonstrate	VERB
asfbr-2	158	17	that	that	SCONJ
asfbr-2	158	18	the	the	DET
asfbr-2	158	19	model	model	NOUN
asfbr-2	158	20	was	be	AUX
asfbr-2	158	21	significant	significant	ADJ
asfbr-2	158	22	(	(	PUNCT
asfbr-2	158	23	p<0.05	p<0.05	NOUN
asfbr-2	158	24	)	)	PUNCT
asfbr-2	158	25	with	with	ADP
asfbr-2	158	26	f	f	PROPN
asfbr-2	158	27	value	value	NOUN
asfbr-2	158	28	35.11	35.11	NUM
asfbr-2	158	29	,	,	PUNCT
asfbr-2	158	30	20.76	20.76	NUM
asfbr-2	158	31	and	and	CCONJ
asfbr-2	158	32	77.057	77.057	NUM
asfbr-2	158	33	at	at	ADP
asfbr-2	158	34	one	one	NUM
asfbr-2	158	35	degree	degree	NOUN
asfbr-2	158	36	of	of	ADP
asfbr-2	158	37	freedom	freedom	NOUN
asfbr-2	158	38	respectively	respectively	ADV
asfbr-2	158	39	.	.	PUNCT
asfbr-2	159	1	from	from	ADP
asfbr-2	159	2	the	the	DET
asfbr-2	159	3	above	above	ADJ
asfbr-2	159	4	statistical	statistical	ADJ
asfbr-2	159	5	explanation	explanation	NOUN
asfbr-2	159	6	,	,	PUNCT
asfbr-2	159	7	we	we	PRON
asfbr-2	159	8	conclude	conclude	VERB
asfbr-2	159	9	that	that	SCONJ
asfbr-2	159	10	there	there	PRON
asfbr-2	159	11	are	be	VERB
asfbr-2	159	12	significant	significant	ADJ
asfbr-2	159	13	differences	difference	NOUN
asfbr-2	159	14	between	between	ADP
asfbr-2	159	15	state	state	NOUN
asfbr-2	159	16	-	-	PUNCT
asfbr-2	159	17	owned	own	VERB
asfbr-2	159	18	banks	bank	NOUN
asfbr-2	159	19	and	and	CCONJ
asfbr-2	159	20	private	private	ADJ
asfbr-2	159	21	sector	sector	NOUN
asfbr-2	159	22	banks	bank	NOUN
asfbr-2	159	23	in	in	ADP
asfbr-2	159	24	the	the	DET
asfbr-2	159	25	analysis	analysis	NOUN
asfbr-2	159	26	the	the	DET
asfbr-2	159	27	sources	source	NOUN
asfbr-2	159	28	of	of	ADP
asfbr-2	159	29	credit	credit	NOUN
asfbr-2	159	30	risk	risk	NOUN
asfbr-2	159	31	.	.	PUNCT
asfbr-2	160	1	hence	hence	ADV
asfbr-2	160	2	h1	h1	PROPN
asfbr-2	160	3	is	be	AUX
asfbr-2	160	4	accepted	accept	VERB
asfbr-2	160	5	.	.	PUNCT
asfbr-2	161	1	3.2	3.2	NUM
asfbr-2	161	2	regression	regression	NOUN
asfbr-2	161	3	analysis	analysis	NOUN
asfbr-2	161	4	table	table	NOUN
asfbr-2	161	5	3	3	NUM
asfbr-2	161	6	:	:	PUNCT
asfbr-2	161	7	model	model	NOUN
asfbr-2	161	8	summary	summary	NOUN
asfbr-2	161	9	model	model	NOUN
asfbr-2	161	10	r	r	PROPN
asfbr-2	161	11	r	r	NOUN
asfbr-2	161	12	square	square	ADJ
asfbr-2	161	13	adjusted	adjust	VERB
asfbr-2	161	14	r	r	NOUN
asfbr-2	161	15	square	square	ADJ
asfbr-2	161	16	std	std	NOUN
asfbr-2	161	17	.	.	PUNCT
asfbr-2	162	1	error	error	NOUN
asfbr-2	162	2	of	of	ADP
asfbr-2	162	3	the	the	DET
asfbr-2	162	4	estimate	estimate	NOUN
asfbr-2	162	5	1	1	NUM
asfbr-2	162	6	.519a	.519a	NOUN
asfbr-2	163	1	0.269	0.269	NUM
asfbr-2	163	2	0.251	0.251	NUM
asfbr-2	163	3	0.38	0.38	NUM
asfbr-2	163	4	a.	a.	NOUN
asfbr-2	163	5	predictors	predictor	NOUN
asfbr-2	163	6	:	:	PUNCT
asfbr-2	163	7	(	(	PUNCT
asfbr-2	163	8	constant	constant	ADJ
asfbr-2	163	9	)	)	PUNCT
asfbr-2	163	10	,	,	PUNCT
asfbr-2	163	11	industrial	industrial	ADJ
asfbr-2	163	12	relation	relation	NOUN
asfbr-2	163	13	,	,	PUNCT
asfbr-2	163	14	collateral	collateral	NOUN
asfbr-2	163	15	,	,	PUNCT
asfbr-2	163	16	capital	capital	NOUN
asfbr-2	163	17	,	,	PUNCT
asfbr-2	163	18	environment	environment	NOUN
asfbr-2	163	19	,	,	PUNCT
asfbr-2	163	20	clients	client	NOUN
asfbr-2	163	21	’	'	PUNCT
asfbr-2	163	22	characters	character	NOUN
asfbr-2	163	23	,	,	PUNCT
asfbr-2	163	24	economy	economy	NOUN
asfbr-2	163	25	of	of	ADP
asfbr-2	163	26	the	the	DET
asfbr-2	163	27	country	country	NOUN
asfbr-2	163	28	,	,	PUNCT
asfbr-2	163	29	legality	legality	NOUN
asfbr-2	163	30	of	of	ADP
asfbr-2	163	31	business	business	NOUN
asfbr-2	163	32	,	,	PUNCT
asfbr-2	163	33	condition	condition	NOUN
asfbr-2	163	34	,	,	PUNCT
asfbr-2	163	35	capacity	capacity	NOUN
asfbr-2	163	36	in	in	ADP
asfbr-2	163	37	the	the	DET
asfbr-2	163	38	model	model	NOUN
asfbr-2	163	39	shows	show	VERB
asfbr-2	163	40	that	that	SCONJ
asfbr-2	163	41	when	when	SCONJ
asfbr-2	163	42	the	the	DET
asfbr-2	163	43	independent	independent	ADJ
asfbr-2	163	44	and	and	CCONJ
asfbr-2	163	45	dependent	dependent	ADJ
asfbr-2	163	46	variables	variable	NOUN
asfbr-2	163	47	interact	interact	VERB
asfbr-2	163	48	,	,	PUNCT
asfbr-2	163	49	the	the	DET
asfbr-2	163	50	model	model	NOUN
asfbr-2	163	51	has	have	AUX
asfbr-2	163	52	been	be	AUX
asfbr-2	163	53	pearson	pearson	PROPN
asfbr-2	163	54	's	's	PART
asfbr-2	163	55	correlation	correlation	NOUN
asfbr-2	163	56	coefficients	coefficient	NOUN
asfbr-2	163	57	(	(	PUNCT
asfbr-2	163	58	r	r	NOUN
asfbr-2	163	59	)	)	PUNCT
asfbr-2	163	60	is	be	AUX
asfbr-2	163	61	0.519	0.519	NUM
asfbr-2	163	62	and	and	CCONJ
asfbr-2	163	63	coefficient	coefficient	NOUN
asfbr-2	163	64	of	of	ADP
asfbr-2	163	65	determinates	determinate	NOUN
asfbr-2	163	66	(	(	PUNCT
asfbr-2	163	67	r	r	NOUN
asfbr-2	163	68	square	square	NOUN
asfbr-2	163	69	)	)	PUNCT
asfbr-2	163	70	of	of	ADP
asfbr-2	163	71	0.269	0.269	NUM
asfbr-2	163	72	,	,	PUNCT
asfbr-2	163	73	signifies	signify	VERB
asfbr-2	163	74	positive	positive	ADJ
asfbr-2	163	75	and	and	CCONJ
asfbr-2	163	76	strong	strong	ADJ
asfbr-2	163	77	connection	connection	NOUN
asfbr-2	163	78	between	between	ADP
asfbr-2	163	79	two	two	NUM
asfbr-2	163	80	.	.	PUNCT
asfbr-2	163	81	table	table	NOUN
asfbr-2	163	82	4	4	NUM
asfbr-2	163	83	:	:	PUNCT
asfbr-2	163	84	anova	anova	PROPN
asfbr-2	163	85	model	model	PROPN
asfbr-2	163	86	sum	sum	NOUN
asfbr-2	163	87	of	of	ADP
asfbr-2	163	88	squares	square	NOUN
asfbr-2	163	89	df	df	PROPN
asfbr-2	163	90	mean	mean	PROPN
asfbr-2	163	91	square	square	PROPN
asfbr-2	163	92	f	f	PROPN
asfbr-2	163	93	sig	sig	PROPN
asfbr-2	163	94	.	.	PROPN
asfbr-2	163	95	1	1	NUM
asfbr-2	163	96	regression	regression	VERB
asfbr-2	163	97	19.683	19.683	NUM
asfbr-2	163	98	9	9	NUM
asfbr-2	163	99	2.187	2.187	NUM
asfbr-2	163	100	15.118	15.118	NUM
asfbr-2	163	101	.000b	.000b	PROPN
asfbr-2	163	102	residual	residual	ADJ
asfbr-2	163	103	53.525	53.525	NUM
asfbr-2	163	104	370	370	NUM
asfbr-2	163	105	0.145	0.145	NUM
asfbr-2	163	106	    	    	SPACE
asfbr-2	163	107	total	total	NOUN
asfbr-2	163	108	73.208	73.208	NUM
asfbr-2	163	109	379	379	NUM
asfbr-2	163	110	      	      	SPACE
asfbr-2	163	111	a.	a.	NOUN
asfbr-2	163	112	dependent	dependent	ADJ
asfbr-2	163	113	variable	variable	NOUN
asfbr-2	163	114	:	:	PUNCT
asfbr-2	163	115	identification	identification	NOUN
asfbr-2	163	116	practice	practice	NOUN
asfbr-2	163	117	b.	b.	NOUN
asfbr-2	163	118	predictors	predictor	NOUN
asfbr-2	163	119	:	:	PUNCT
asfbr-2	163	120	(	(	PUNCT
asfbr-2	163	121	constant	constant	ADJ
asfbr-2	163	122	)	)	PUNCT
asfbr-2	163	123	,	,	PUNCT
asfbr-2	163	124	industrial	industrial	ADJ
asfbr-2	163	125	relation	relation	NOUN
asfbr-2	163	126	,	,	PUNCT
asfbr-2	163	127	collateral	collateral	NOUN
asfbr-2	163	128	,	,	PUNCT
asfbr-2	163	129	capital	capital	NOUN
asfbr-2	163	130	,	,	PUNCT
asfbr-2	163	131	environment	environment	NOUN
asfbr-2	163	132	,	,	PUNCT
asfbr-2	163	133	clients	client	NOUN
asfbr-2	163	134	’	'	PUNCT
asfbr-2	163	135	characters	character	NOUN
asfbr-2	163	136	,	,	PUNCT
asfbr-2	163	137	economy	economy	NOUN
asfbr-2	163	138	of	of	ADP
asfbr-2	163	139	the	the	DET
asfbr-2	163	140	country	country	NOUN
asfbr-2	163	141	,	,	PUNCT
asfbr-2	163	142	legality	legality	NOUN
asfbr-2	163	143	of	of	ADP
asfbr-2	163	144	business	business	NOUN
asfbr-2	163	145	,	,	PUNCT
asfbr-2	163	146	condition	condition	NOUN
asfbr-2	163	147	,	,	PUNCT
asfbr-2	163	148	capacity	capacity	NOUN
asfbr-2	163	149	the	the	DET
asfbr-2	163	150	analysis	analysis	NOUN
asfbr-2	163	151	of	of	ADP
asfbr-2	163	152	variance	variance	NOUN
asfbr-2	163	153	(	(	PUNCT
asfbr-2	163	154	anova	anova	PROPN
asfbr-2	163	155	)	)	PUNCT
asfbr-2	163	156	shows	show	VERB
asfbr-2	163	157	that	that	SCONJ
asfbr-2	163	158	f	f	PROPN
asfbr-2	163	159	value	value	NOUN
asfbr-2	163	160	is	be	AUX
asfbr-2	163	161	15.118	15.118	NUM
asfbr-2	163	162	at	at	ADP
asfbr-2	163	163	.00	.00	NUM
asfbr-2	163	164	significant	significant	ADJ
asfbr-2	163	165	level	level	NOUN
asfbr-2	163	166	(	(	PUNCT
asfbr-2	163	167	p<0.05	p<0.05	NOUN
asfbr-2	163	168	)	)	PUNCT
asfbr-2	163	169	suggesting	suggest	VERB
asfbr-2	163	170	that	that	SCONJ
asfbr-2	163	171	the	the	DET
asfbr-2	163	172	relationship	relationship	NOUN
asfbr-2	163	173	identification	identification	NOUN
asfbr-2	163	174	practice	practice	NOUN
asfbr-2	163	175	and	and	CCONJ
asfbr-2	163	176	its	its	PRON
asfbr-2	163	177	explanatory	explanatory	ADJ
asfbr-2	163	178	variables	variable	NOUN
asfbr-2	163	179	is	be	AUX
asfbr-2	163	180	positive	positive	ADJ
asfbr-2	163	181	.	.	PUNCT
asfbr-2	164	1	hence	hence	ADV
asfbr-2	164	2	,	,	PUNCT
asfbr-2	164	3	h2	h2	PROPN
asfbr-2	164	4	is	be	AUX
asfbr-2	164	5	accepted	accept	VERB
asfbr-2	164	6	.	.	PUNCT
asfbr-2	165	1	while	while	SCONJ
asfbr-2	165	2	going	go	VERB
asfbr-2	165	3	through	through	ADP
asfbr-2	165	4	the	the	DET
asfbr-2	165	5	every	every	DET
asfbr-2	165	6	variable	variable	NOUN
asfbr-2	165	7	given	give	VERB
asfbr-2	165	8	in	in	ADP
asfbr-2	165	9	the	the	DET
asfbr-2	165	10	above	above	ADJ
asfbr-2	165	11	table	table	NOUN
asfbr-2	165	12	,	,	PUNCT
asfbr-2	165	13	it	it	PRON
asfbr-2	165	14	was	be	AUX
asfbr-2	165	15	found	find	VERB
asfbr-2	165	16	out	out	ADP
asfbr-2	165	17	that	that	SCONJ
asfbr-2	165	18	capital	capital	NOUN
asfbr-2	165	19	condition	condition	NOUN
asfbr-2	165	20	and	and	CCONJ
asfbr-2	165	21	environment	environment	NOUN
asfbr-2	165	22	were	be	AUX
asfbr-2	165	23	not	not	PART
asfbr-2	165	24	significant	significant	ADJ
asfbr-2	165	25	in	in	ADP
asfbr-2	165	26	the	the	DET
asfbr-2	165	27	model	model	NOUN
asfbr-2	165	28	.	.	PUNCT
asfbr-2	166	1	similarly	similarly	ADV
asfbr-2	166	2	,	,	PUNCT
asfbr-2	166	3	no	no	DET
asfbr-2	166	4	any	any	DET
asfbr-2	166	5	variable	variable	NOUN
asfbr-2	166	6	was	be	AUX
asfbr-2	166	7	excluded	exclude	VERB
asfbr-2	166	8	from	from	ADP
asfbr-2	166	9	the	the	DET
asfbr-2	166	10	model	model	NOUN
asfbr-2	166	11	due	due	ADP
asfbr-2	166	12	to	to	ADP
asfbr-2	166	13	the	the	DET
asfbr-2	166	14	absence	absence	NOUN
asfbr-2	166	15	of	of	ADP
asfbr-2	166	16	homogeneity	homogeneity	NOUN
asfbr-2	166	17	.	.	PUNCT
asfbr-2	167	1	collaterals	collateral	NOUN
asfbr-2	167	2	provided	provide	VERB
asfbr-2	167	3	as	as	ADP
asfbr-2	167	4	a	a	DET
asfbr-2	167	5	security	security	NOUN
asfbr-2	167	6	by	by	ADP
asfbr-2	167	7	the	the	DET
asfbr-2	167	8	borrower	borrower	NOUN
asfbr-2	167	9	,	,	PUNCT
asfbr-2	167	10	characters	character	NOUN
asfbr-2	167	11	of	of	ADP
asfbr-2	167	12	the	the	DET
asfbr-2	167	13	borrower	borrower	NOUN
asfbr-2	167	14	,	,	PUNCT
asfbr-2	167	15	capacity	capacity	NOUN
asfbr-2	167	16	,	,	PUNCT
asfbr-2	167	17	legality	legality	NOUN
asfbr-2	167	18	of	of	ADP
asfbr-2	167	19	the	the	DET
asfbr-2	167	20	business	business	NOUN
asfbr-2	167	21	,	,	PUNCT
asfbr-2	167	22	economy	economy	NOUN
asfbr-2	167	23	of	of	ADP
asfbr-2	167	24	the	the	DET
asfbr-2	167	25	country	country	NOUN
asfbr-2	167	26	and	and	CCONJ
asfbr-2	167	27	industrial	industrial	ADJ
asfbr-2	167	28	relation	relation	NOUN
asfbr-2	167	29	were	be	AUX
asfbr-2	167	30	found	find	VERB
asfbr-2	167	31	significant	significant	ADJ
asfbr-2	167	32	variables	variable	NOUN
asfbr-2	167	33	during	during	ADP
asfbr-2	167	34	the	the	DET
asfbr-2	167	35	analysis	analysis	NOUN
asfbr-2	167	36	.	.	PUNCT
asfbr-2	168	1	industrial	industrial	ADJ
asfbr-2	168	2	relation	relation	NOUN
asfbr-2	168	3	is	be	AUX
asfbr-2	168	4	variable	variable	ADJ
asfbr-2	168	5	that	that	PRON
asfbr-2	168	6	makes	make	VERB
asfbr-2	168	7	the	the	DET
asfbr-2	168	8	significant	significant	ADJ
asfbr-2	168	9	contribution	contribution	NOUN
asfbr-2	168	10	to	to	ADP
asfbr-2	168	11	explaining	explain	VERB
asfbr-2	168	12	the	the	DET
asfbr-2	168	13	identification	identification	NOUN
asfbr-2	168	14	of	of	ADP
asfbr-2	168	15	risk	risk	NOUN
asfbr-2	168	16	level	level	NOUN
asfbr-2	168	17	when	when	SCONJ
asfbr-2	168	18	other	other	ADJ
asfbr-2	168	19	remaining	remain	VERB
asfbr-2	168	20	variables	variable	NOUN
asfbr-2	168	21	are	be	AUX
asfbr-2	168	22	controlled	control	VERB
asfbr-2	168	23	for	for	ADP
asfbr-2	168	24	with	with	ADP
asfbr-2	168	25	beta	beta	ADJ
asfbr-2	168	26	coefficient	coefficient	NOUN
asfbr-2	168	27	of	of	ADP
asfbr-2	168	28	0.224	0.224	NUM
asfbr-2	168	29	.	.	PUNCT
asfbr-2	169	1	industrial	industrial	ADJ
asfbr-2	169	2	relation	relation	NOUN
asfbr-2	169	3	plays	play	VERB
asfbr-2	169	4	an	an	DET
asfbr-2	169	5	important	important	ADJ
asfbr-2	169	6	role	role	NOUN
asfbr-2	169	7	to	to	PART
asfbr-2	169	8	categorize	categorize	VERB
asfbr-2	169	9	the	the	DET
asfbr-2	169	10	credit	credit	NOUN
asfbr-2	169	11	risk	risk	NOUN
asfbr-2	169	12	.	.	PUNCT
asfbr-2	170	1	similarly	similarly	ADV
asfbr-2	170	2	,	,	PUNCT
asfbr-2	170	3	significant	significant	ADJ
asfbr-2	170	4	contribution	contribution	NOUN
asfbr-2	170	5	also	also	ADV
asfbr-2	170	6	found	find	VERB
asfbr-2	170	7	to	to	PART
asfbr-2	170	8	make	make	VERB
asfbr-2	170	9	by	by	ADP
asfbr-2	170	10	economy	economy	NOUN
asfbr-2	170	11	of	of	ADP
asfbr-2	170	12	the	the	DET
asfbr-2	170	13	country	country	NOUN
asfbr-2	170	14	with	with	ADP
asfbr-2	170	15	the	the	DET
asfbr-2	170	16	beta	beta	ADJ
asfbr-2	170	17	coefficient	coefficient	NOUN
asfbr-2	170	18	of	of	ADP
asfbr-2	170	19	0.345	0.345	NUM
asfbr-2	170	20	,	,	PUNCT
asfbr-2	170	21	and	and	CCONJ
asfbr-2	170	22	condition	condition	NOUN
asfbr-2	170	23	of	of	ADP
asfbr-2	170	24	the	the	DET
asfbr-2	170	25	borrower	borrower	NOUN
asfbr-2	170	26	with	with	ADP
asfbr-2	170	27	the	the	DET
asfbr-2	170	28	beta	beta	NOUN
asfbr-2	170	29	value	value	NOUN
asfbr-2	170	30	of	of	ADP
asfbr-2	170	31	0.171	0.171	NUM
asfbr-2	170	32	,	,	PUNCT
asfbr-2	170	33	while	while	SCONJ
asfbr-2	170	34	keeping	keep	VERB
asfbr-2	170	35	all	all	DET
asfbr-2	170	36	other	other	ADJ
asfbr-2	170	37	variables	variable	NOUN
asfbr-2	170	38	constant	constant	ADJ
asfbr-2	170	39	.	.	PUNCT
asfbr-2	171	1	table	table	NOUN
asfbr-2	171	2	5	5	NUM
asfbr-2	171	3	:	:	PUNCT
asfbr-2	171	4	coefficients	coefficient	NOUN
asfbr-2	171	5	model	model	VERB
asfbr-2	171	6	unstandardized	unstandardized	ADJ
asfbr-2	171	7	coefficients	coefficient	NOUN
asfbr-2	171	8	standardized	standardize	VERB
asfbr-2	171	9	coefficients	coefficient	NOUN
asfbr-2	171	10	t	t	PROPN
asfbr-2	171	11	sig	sig	PROPN
asfbr-2	171	12	.	.	PUNCT
asfbr-2	172	1	b	b	X
asfbr-2	172	2	std	std	PROPN
asfbr-2	172	3	.	.	NOUN
asfbr-2	172	4	error	error	NOUN
asfbr-2	172	5	beta	beta	NOUN
asfbr-2	172	6	1	1	NUM
asfbr-2	172	7	(	(	PUNCT
asfbr-2	172	8	constant	constant	ADJ
asfbr-2	172	9	)	)	PUNCT
asfbr-2	172	10	0.941	0.941	NUM
asfbr-2	172	11	0.106	0.106	NUM
asfbr-2	172	12	  	  	SPACE
asfbr-2	172	13	8.9	8.9	NUM
asfbr-2	172	14	0	0	NUM
asfbr-2	172	15	collaterals	collateral	NOUN
asfbr-2	172	16	-0.187	-0.187	PROPN
asfbr-2	172	17	0.047	0.047	NUM
asfbr-2	172	18	-0.187	-0.187	NUM
asfbr-2	172	19	-3.937	-3.937	X
asfbr-2	172	20	0	0	NUM
asfbr-2	173	1	characters	character	NOUN
asfbr-2	173	2	-0.128	-0.128	PUNCT
asfbr-2	174	1	0.16	0.16	NUM
asfbr-2	174	2	-0.126	-0.126	NOUN
asfbr-2	174	3	-0.8	-0.8	PROPN
asfbr-2	174	4	0.024	0.024	NUM
asfbr-2	174	5	capacity	capacity	NOUN
asfbr-2	174	6	0.097	0.097	NUM
asfbr-2	174	7	0.206	0.206	NUM
asfbr-2	174	8	0.097	0.097	NUM
asfbr-2	174	9	0.473	0.473	NUM
asfbr-2	174	10	0.037	0.037	NUM
asfbr-2	174	11	capital	capital	NOUN
asfbr-2	174	12	0.022	0.022	NUM
asfbr-2	174	13	0.086	0.086	NUM
asfbr-2	174	14	0.022	0.022	NUM
asfbr-2	174	15	0.253	0.253	NUM
asfbr-2	174	16	0.8	0.8	NUM
asfbr-2	174	17	condition	condition	NOUN
asfbr-2	174	18	0.173	0.173	NUM
asfbr-2	174	19	0.189	0.189	NUM
asfbr-2	174	20	0.171	0.171	NUM
asfbr-2	174	21	0.914	0.914	NUM
asfbr-2	174	22	0.361	0.361	NUM
asfbr-2	174	23	legality	legality	NOUN
asfbr-2	174	24	0.007	0.007	NUM
asfbr-2	174	25	0.158	0.158	NUM
asfbr-2	174	26	0.007	0.007	NUM
asfbr-2	174	27	0.045	0.045	NUM
asfbr-2	174	28	0.016	0.016	NUM
asfbr-2	174	29	economy	economy	NOUN
asfbr-2	174	30	0.387	0.387	NUM
asfbr-2	174	31	0.102	0.102	NUM
asfbr-2	174	32	0.345	0.345	NUM
asfbr-2	174	33	3.805	3.805	NUM
asfbr-2	174	34	0	0	NUM
asfbr-2	174	35	environment	environment	NOUN
asfbr-2	174	36	-0.113	-0.113	NOUN
asfbr-2	174	37	0.058	0.058	NUM
asfbr-2	174	38	-0.142	-0.142	X
asfbr-2	174	39	-1.954	-1.954	SYM
asfbr-2	174	40	0.051	0.051	NUM
asfbr-2	174	41	industrial	industrial	ADJ
asfbr-2	174	42	relation	relation	NOUN
asfbr-2	174	43	0.108	0.108	NUM
asfbr-2	174	44	0.023	0.023	NUM
asfbr-2	174	45	0.224	0.224	NUM
asfbr-2	174	46	4.609	4.609	NUM
asfbr-2	174	47	0	0	NUM
asfbr-2	174	48	a.	a.	NOUN
asfbr-2	174	49	dependent	dependent	ADJ
asfbr-2	174	50	variable	variable	NOUN
asfbr-2	174	51	:	:	PUNCT
asfbr-2	174	52	identification	identification	NOUN
asfbr-2	174	53	practice	practice	NOUN
asfbr-2	174	54	more	more	ADV
asfbr-2	174	55	important	important	ADJ
asfbr-2	174	56	,	,	PUNCT
asfbr-2	174	57	capacity	capacity	NOUN
asfbr-2	174	58	of	of	ADP
asfbr-2	174	59	the	the	DET
asfbr-2	174	60	borrower	borrower	NOUN
asfbr-2	174	61	was	be	AUX
asfbr-2	174	62	the	the	DET
asfbr-2	174	63	variable	variable	NOUN
asfbr-2	174	64	with	with	ADP
asfbr-2	174	65	beta	beta	ADJ
asfbr-2	174	66	coefficient	coefficient	NOUN
asfbr-2	174	67	(	(	PUNCT
asfbr-2	174	68	0.97	0.97	NUM
asfbr-2	174	69	)	)	PUNCT
asfbr-2	174	70	,	,	PUNCT
asfbr-2	174	71	collateral	collateral	NOUN
asfbr-2	174	72	was	be	AUX
asfbr-2	174	73	the	the	DET
asfbr-2	174	74	variable	variable	NOUN
asfbr-2	174	75	with	with	ADP
asfbr-2	174	76	beta	beta	ADJ
asfbr-2	174	77	coefficient	coefficient	NOUN
asfbr-2	174	78	(	(	PUNCT
asfbr-2	174	79	-0.187	-0.187	PUNCT
asfbr-2	174	80	)	)	PUNCT
asfbr-2	174	81	and	and	CCONJ
asfbr-2	174	82	character	character	NOUN
asfbr-2	174	83	with	with	ADP
asfbr-2	174	84	beta	beta	ADJ
asfbr-2	174	85	coefficient	coefficient	NOUN
asfbr-2	174	86	(	(	PUNCT
asfbr-2	174	87	-0.126566	-0.126566	PROPN
asfbr-2	174	88	)	)	PUNCT
asfbr-2	174	89	were	be	AUX
asfbr-2	174	90	found	find	VERB
asfbr-2	174	91	significant	significant	ADJ
asfbr-2	174	92	predictor	predictor	NOUN
asfbr-2	174	93	for	for	ADP
asfbr-2	174	94	credit	credit	NOUN
asfbr-2	174	95	risk	risk	NOUN
asfbr-2	174	96	measurement	measurement	NOUN
asfbr-2	174	97	.	.	PUNCT
asfbr-2	175	1	4	4	X
asfbr-2	175	2	.	.	X
asfbr-2	175	3	conclusion	conclusion	VERB
asfbr-2	175	4	an	an	DET
asfbr-2	175	5	identification	identification	NOUN
asfbr-2	175	6	source	source	NOUN
asfbr-2	175	7	of	of	ADP
asfbr-2	175	8	the	the	DET
asfbr-2	175	9	credit	credit	NOUN
asfbr-2	175	10	risk	risk	NOUN
asfbr-2	175	11	is	be	AUX
asfbr-2	175	12	very	very	ADV
asfbr-2	175	13	important	important	ADJ
asfbr-2	175	14	phenomena	phenomenon	NOUN
asfbr-2	175	15	in	in	ADP
asfbr-2	175	16	the	the	DET
asfbr-2	175	17	risk	risk	NOUN
asfbr-2	175	18	management	management	NOUN
asfbr-2	175	19	practice	practice	NOUN
asfbr-2	175	20	.	.	PUNCT
asfbr-2	176	1	it	it	PRON
asfbr-2	176	2	helps	help	VERB
asfbr-2	176	3	to	to	PART
asfbr-2	176	4	evaluate	evaluate	VERB
asfbr-2	176	5	the	the	DET
asfbr-2	176	6	credit	credit	NOUN
asfbr-2	176	7	risk	risk	NOUN
asfbr-2	176	8	level	level	NOUN
asfbr-2	176	9	of	of	ADP
asfbr-2	176	10	the	the	DET
asfbr-2	176	11	every	every	DET
asfbr-2	176	12	borrower	borrower	NOUN
asfbr-2	176	13	as	as	ADV
asfbr-2	176	14	well	well	ADV
asfbr-2	176	15	as	as	ADP
asfbr-2	176	16	portfolio	portfolio	NOUN
asfbr-2	176	17	level	level	NOUN
asfbr-2	176	18	of	of	ADP
asfbr-2	176	19	the	the	DET
asfbr-2	176	20	banks	bank	NOUN
asfbr-2	176	21	.	.	PUNCT
asfbr-2	177	1	sources	source	NOUN
asfbr-2	177	2	of	of	ADP
asfbr-2	177	3	the	the	DET
asfbr-2	177	4	credit	credit	NOUN
asfbr-2	177	5	risk	risk	NOUN
asfbr-2	177	6	unbounded	unbounded	ADJ
asfbr-2	177	7	terms	term	NOUN
asfbr-2	177	8	.	.	PUNCT
asfbr-2	178	1	the	the	DET
asfbr-2	178	2	most	most	ADV
asfbr-2	178	3	common	common	ADJ
asfbr-2	178	4	sources	source	NOUN
asfbr-2	178	5	like	like	ADP
asfbr-2	178	6	collaterals	collateral	NOUN
asfbr-2	178	7	provided	provide	VERB
asfbr-2	178	8	by	by	ADP
asfbr-2	178	9	the	the	DET
asfbr-2	178	10	borrower	borrower	NOUN
asfbr-2	178	11	as	as	ADP
asfbr-2	178	12	a	a	DET
asfbr-2	178	13	security	security	NOUN
asfbr-2	178	14	,	,	PUNCT
asfbr-2	178	15	character	character	NOUN
asfbr-2	178	16	of	of	ADP
asfbr-2	178	17	the	the	DET
asfbr-2	178	18	borrower	borrower	NOUN
asfbr-2	178	19	,	,	PUNCT
asfbr-2	178	20	capacity	capacity	NOUN
asfbr-2	178	21	,	,	PUNCT
asfbr-2	178	22	capital	capital	NOUN
asfbr-2	178	23	,	,	PUNCT
asfbr-2	178	24	and	and	CCONJ
asfbr-2	178	25	condition	condition	NOUN
asfbr-2	178	26	,	,	PUNCT
asfbr-2	178	27	legality	legality	NOUN
asfbr-2	178	28	of	of	ADP
asfbr-2	178	29	the	the	DET
asfbr-2	178	30	business	business	NOUN
asfbr-2	178	31	,	,	PUNCT
asfbr-2	178	32	economic	economic	ADJ
asfbr-2	178	33	condition	condition	NOUN
asfbr-2	178	34	,	,	PUNCT
asfbr-2	178	35	environment	environment	NOUN
asfbr-2	178	36	and	and	CCONJ
asfbr-2	178	37	industrial	industrial	ADJ
asfbr-2	178	38	relation	relation	NOUN
asfbr-2	178	39	are	be	AUX
asfbr-2	178	40	grouped	group	VERB
asfbr-2	178	41	and	and	CCONJ
asfbr-2	178	42	discuss	discuss	VERB
asfbr-2	178	43	in	in	ADP
asfbr-2	178	44	this	this	DET
asfbr-2	178	45	paper	paper	NOUN
asfbr-2	178	46	.	.	PUNCT
asfbr-2	179	1	these	these	DET
asfbr-2	179	2	sources	source	NOUN
asfbr-2	179	3	are	be	AUX
asfbr-2	179	4	differently	differently	ADV
asfbr-2	179	5	utilized	utilize	VERB
asfbr-2	179	6	by	by	ADP
asfbr-2	179	7	the	the	DET
asfbr-2	179	8	banks	bank	NOUN
asfbr-2	179	9	on	on	ADP
asfbr-2	179	10	the	the	DET
asfbr-2	179	11	basis	basis	NOUN
asfbr-2	179	12	of	of	ADP
asfbr-2	179	13	market	market	NOUN
asfbr-2	179	14	strategy	strategy	NOUN
asfbr-2	179	15	,	,	PUNCT
asfbr-2	179	16	credit	credit	NOUN
asfbr-2	179	17	culture	culture	NOUN
asfbr-2	179	18	and	and	CCONJ
asfbr-2	179	19	philosophy	philosophy	NOUN
asfbr-2	179	20	.	.	PUNCT
asfbr-2	180	1	hence	hence	ADV
asfbr-2	180	2	,	,	PUNCT
asfbr-2	180	3	the	the	DET
asfbr-2	180	4	identification	identification	NOUN
asfbr-2	180	5	practice	practice	NOUN
asfbr-2	180	6	of	of	ADP
asfbr-2	180	7	risk	risk	NOUN
asfbr-2	180	8	sources	source	NOUN
asfbr-2	180	9	was	be	AUX
asfbr-2	180	10	significantly	significantly	ADV
asfbr-2	180	11	different	different	ADJ
asfbr-2	180	12	in	in	ADP
asfbr-2	180	13	state	state	NOUN
asfbr-2	180	14	-	-	PUNCT
asfbr-2	180	15	owned	own	VERB
asfbr-2	180	16	and	and	CCONJ
asfbr-2	180	17	private	private	ADJ
asfbr-2	180	18	sector	sector	NOUN
asfbr-2	180	19	banks	bank	NOUN
asfbr-2	180	20	in	in	ADP
asfbr-2	180	21	nepal	nepal	NOUN
asfbr-2	180	22	.	.	PUNCT
asfbr-2	181	1	in	in	ADP
asfbr-2	181	2	the	the	DET
asfbr-2	181	3	credit	credit	NOUN
asfbr-2	181	4	appraisal	appraisal	NOUN
asfbr-2	181	5	processes	process	NOUN
asfbr-2	181	6	,	,	PUNCT
asfbr-2	181	7	the	the	DET
asfbr-2	181	8	banks	bank	NOUN
asfbr-2	181	9	shall	shall	AUX
asfbr-2	181	10	be	be	AUX
asfbr-2	181	11	determined	determine	VERB
asfbr-2	181	12	any	any	DET
asfbr-2	181	13	untrustworthy	untrustworthy	ADJ
asfbr-2	181	14	activities	activity	NOUN
asfbr-2	181	15	on	on	ADP
asfbr-2	181	16	the	the	DET
asfbr-2	181	17	part	part	NOUN
asfbr-2	181	18	of	of	ADP
asfbr-2	181	19	the	the	DET
asfbr-2	181	20	borrower	borrower	NOUN
asfbr-2	181	21	to	to	PART
asfbr-2	181	22	know	know	VERB
asfbr-2	181	23	the	the	DET
asfbr-2	181	24	risk	risk	NOUN
asfbr-2	181	25	level	level	NOUN
asfbr-2	181	26	.	.	PUNCT
asfbr-2	182	1	the	the	DET
asfbr-2	182	2	bank	bank	NOUN
asfbr-2	182	3	is	be	AUX
asfbr-2	182	4	always	always	ADV
asfbr-2	182	5	trying	try	VERB
asfbr-2	182	6	to	to	PART
asfbr-2	182	7	improve	improve	VERB
asfbr-2	182	8	their	their	PRON
asfbr-2	182	9	credit	credit	NOUN
asfbr-2	182	10	risk	risk	NOUN
asfbr-2	182	11	measuring	measure	VERB
asfbr-2	182	12	tools	tool	NOUN
asfbr-2	182	13	and	and	CCONJ
asfbr-2	182	14	techniques	technique	NOUN
asfbr-2	182	15	in	in	ADP
asfbr-2	182	16	their	their	PRON
asfbr-2	182	17	credit	credit	NOUN
asfbr-2	182	18	policy	policy	NOUN
asfbr-2	182	19	for	for	ADP
asfbr-2	182	20	the	the	DET
asfbr-2	182	21	quality	quality	NOUN
asfbr-2	182	22	of	of	ADP
asfbr-2	182	23	lending	lending	NOUN
asfbr-2	182	24	and	and	CCONJ
asfbr-2	182	25	various	various	ADJ
asfbr-2	182	26	measures	measure	NOUN
asfbr-2	182	27	are	be	AUX
asfbr-2	182	28	undertaken	undertake	VERB
asfbr-2	182	29	to	to	PART
asfbr-2	182	30	follow	follow	VERB
asfbr-2	182	31	the	the	DET
asfbr-2	182	32	effective	effective	ADJ
asfbr-2	182	33	credit	credit	NOUN
asfbr-2	182	34	management	management	NOUN
asfbr-2	182	35	system	system	NOUN
asfbr-2	182	36	.	.	PUNCT
asfbr-2	183	1	this	this	PRON
asfbr-2	183	2	requires	require	VERB
asfbr-2	183	3	adequate	adequate	ADJ
asfbr-2	183	4	training	training	NOUN
asfbr-2	183	5	to	to	ADP
asfbr-2	183	6	the	the	DET
asfbr-2	183	7	employees	employee	NOUN
asfbr-2	183	8	to	to	PART
asfbr-2	183	9	enhance	enhance	VERB
asfbr-2	183	10	the	the	DET
asfbr-2	183	11	skills	skill	NOUN
asfbr-2	183	12	.	.	PUNCT
asfbr-2	184	1	more	more	ADJ
asfbr-2	184	2	risk	risk	NOUN
asfbr-2	184	3	analyst	analyst	NOUN
asfbr-2	184	4	may	may	AUX
asfbr-2	184	5	be	be	AUX
asfbr-2	184	6	recruited	recruit	VERB
asfbr-2	184	7	improve	improve	VERB
asfbr-2	184	8	the	the	DET
asfbr-2	184	9	quality	quality	NOUN
asfbr-2	184	10	of	of	ADP
asfbr-2	184	11	the	the	DET
asfbr-2	184	12	credit	credit	NOUN
asfbr-2	184	13	exposure	exposure	NOUN
asfbr-2	184	14	.	.	PUNCT
asfbr-2	185	1	in	in	ADP
asfbr-2	185	2	this	this	DET
asfbr-2	185	3	research	research	NOUN
asfbr-2	185	4	,	,	PUNCT
asfbr-2	185	5	the	the	DET
asfbr-2	185	6	limited	limited	ADJ
asfbr-2	185	7	source	source	NOUN
asfbr-2	185	8	of	of	ADP
asfbr-2	185	9	the	the	DET
asfbr-2	185	10	credit	credit	NOUN
asfbr-2	185	11	risk	risk	NOUN
asfbr-2	185	12	is	be	AUX
asfbr-2	185	13	considered	consider	VERB
asfbr-2	185	14	as	as	ADP
asfbr-2	185	15	a	a	DET
asfbr-2	185	16	primary	primary	ADJ
asfbr-2	185	17	data	datum	NOUN
asfbr-2	185	18	.	.	PUNCT
asfbr-2	186	1	the	the	DET
asfbr-2	186	2	statistical	statistical	ADJ
asfbr-2	186	3	result	result	NOUN
asfbr-2	186	4	obtained	obtain	VERB
asfbr-2	186	5	through	through	ADP
asfbr-2	186	6	primary	primary	ADJ
asfbr-2	186	7	data	datum	NOUN
asfbr-2	186	8	analysis	analysis	NOUN
asfbr-2	186	9	is	be	AUX
asfbr-2	186	10	not	not	PART
asfbr-2	186	11	correlated	correlate	VERB
asfbr-2	186	12	using	use	VERB
asfbr-2	186	13	the	the	DET
asfbr-2	186	14	secondary	secondary	ADJ
asfbr-2	186	15	data	datum	NOUN
asfbr-2	186	16	.	.	PUNCT
asfbr-2	187	1	this	this	PRON
asfbr-2	187	2	may	may	AUX
asfbr-2	187	3	be	be	AUX
asfbr-2	187	4	the	the	DET
asfbr-2	187	5	prospective	prospective	ADJ
asfbr-2	187	6	area	area	NOUN
asfbr-2	187	7	for	for	ADP
asfbr-2	187	8	future	future	ADJ
asfbr-2	187	9	researcher	researcher	NOUN
asfbr-2	187	10	in	in	ADP
asfbr-2	187	11	banking	banking	NOUN
asfbr-2	187	12	sector	sector	NOUN
asfbr-2	187	13	.	.	PUNCT
asfbr-2	188	1	references	reference	NOUN
asfbr-2	188	2	abdelrahim	abdelrahim	PROPN
asfbr-2	188	3	,	,	PUNCT
asfbr-2	188	4	k.	k.	PROPN
asfbr-2	188	5	e.	e.	PROPN
asfbr-2	188	6	(	(	PUNCT
asfbr-2	188	7	2013	2013	NUM
asfbr-2	188	8	)	)	PUNCT
asfbr-2	188	9	.	.	PUNCT
asfbr-2	189	1	effectiveness	effectiveness	NOUN
asfbr-2	189	2	of	of	ADP
asfbr-2	189	3	credit	credit	NOUN
asfbr-2	189	4	risk	risk	NOUN
asfbr-2	189	5	management	management	NOUN
asfbr-2	189	6	of	of	ADP
asfbr-2	189	7	saudi	saudi	ADJ
asfbr-2	189	8	banks	bank	NOUN
asfbr-2	189	9	in	in	ADP
asfbr-2	189	10	the	the	DET
asfbr-2	189	11	light	light	NOUN
asfbr-2	189	12	of	of	ADP
asfbr-2	189	13	global	global	ADJ
asfbr-2	189	14	financial	financial	ADJ
asfbr-2	189	15	crisis	crisis	NOUN
asfbr-2	189	16	:	:	PUNCT
asfbr-2	189	17	a	a	DET
asfbr-2	189	18	qualitative	qualitative	ADJ
asfbr-2	189	19	study	study	NOUN
asfbr-2	189	20	.	.	PUNCT
asfbr-2	190	1	asian	asian	ADJ
asfbr-2	190	2	transactions	transaction	NOUN
asfbr-2	190	3	on	on	ADP
asfbr-2	190	4	basic	basic	ADJ
asfbr-2	190	5	and	and	CCONJ
asfbr-2	190	6	applied	apply	VERB
asfbr-2	190	7	sciences	science	NOUN
asfbr-2	190	8	,	,	PUNCT
asfbr-2	190	9	3	3	NUM
asfbr-2	190	10	(	(	PUNCT
asfbr-2	190	11	2	2	NUM
asfbr-2	190	12	)	)	PUNCT
asfbr-2	190	13	,	,	PUNCT
asfbr-2	190	14	73	73	NUM
asfbr-2	190	15	-	-	SYM
asfbr-2	190	16	90	90	NUM
asfbr-2	190	17	.	.	PUNCT
asfbr-2	191	1	afriyie	afriyie	PROPN
asfbr-2	191	2	,	,	PUNCT
asfbr-2	191	3	h.	h.	PROPN
asfbr-2	191	4	o.	o.	PROPN
asfbr-2	191	5	,	,	PUNCT
asfbr-2	191	6	&	&	CCONJ
asfbr-2	191	7	akotey	akotey	PROPN
asfbr-2	191	8	,	,	PUNCT
asfbr-2	191	9	j.	j.	PROPN
asfbr-2	191	10	o.	o.	PROPN
asfbr-2	191	11	(	(	PUNCT
asfbr-2	191	12	2012	2012	NUM
asfbr-2	191	13	)	)	PUNCT
asfbr-2	191	14	.	.	PUNCT
asfbr-2	192	1	credit	credit	NOUN
asfbr-2	192	2	risk	risk	NOUN
asfbr-2	192	3	management	management	NOUN
asfbr-2	192	4	and	and	CCONJ
asfbr-2	192	5	profitability	profitability	NOUN
asfbr-2	192	6	of	of	ADP
asfbr-2	192	7	selected	select	VERB
asfbr-2	192	8	rural	rural	ADJ
asfbr-2	192	9	banks	bank	NOUN
asfbr-2	192	10	in	in	ADP
asfbr-2	192	11	ghana	ghana	PROPN
asfbr-2	192	12	.	.	PUNCT
asfbr-2	193	1	retrieved	retrieve	VERB
asfbr-2	193	2	june	june	PROPN
asfbr-2	193	3	17	17	NUM
asfbr-2	193	4	,	,	PUNCT
asfbr-2	193	5	2013	2013	NUM
asfbr-2	193	6	,	,	PUNCT
asfbr-2	193	7	from	from	ADP
asfbr-2	193	8	http://www.econrsa.org/system/files/workshops/papers/2012/afriyie-credit-risk-management.pdf	http://www.econrsa.org/system/files/workshops/papers/2012/afriyie-credit-risk-management.pdf	PROPN
asfbr-2	193	9	alam	alam	PROPN
asfbr-2	193	10	,	,	PUNCT
asfbr-2	193	11	m.	m.	NOUN
asfbr-2	193	12	z.	z.	PROPN
asfbr-2	193	13	,	,	PUNCT
asfbr-2	193	14	&	&	CCONJ
asfbr-2	193	15	masukujjaman	masukujjaman	ADJ
asfbr-2	193	16	,	,	PUNCT
asfbr-2	193	17	m.	m.	NOUN
asfbr-2	193	18	(	(	PUNCT
asfbr-2	193	19	2011	2011	NUM
asfbr-2	193	20	)	)	PUNCT
asfbr-2	193	21	.	.	PUNCT
asfbr-2	194	1	risk	risk	NOUN
asfbr-2	194	2	management	management	NOUN
asfbr-2	194	3	practices	practice	NOUN
asfbr-2	194	4	:	:	PUNCT
asfbr-2	194	5	a	a	DET
asfbr-2	194	6	critical	critical	ADJ
asfbr-2	194	7	diagnosis	diagnosis	NOUN
asfbr-2	194	8	of	of	ADP
asfbr-2	194	9	some	some	DET
asfbr-2	194	10	selected	select	VERB
asfbr-2	194	11	commercial	commercial	ADJ
asfbr-2	194	12	banks	bank	NOUN
asfbr-2	194	13	in	in	ADP
asfbr-2	194	14	bangladesh	bangladesh	PROPN
asfbr-2	194	15	.	.	PUNCT
asfbr-2	195	1	journal	journal	PROPN
asfbr-2	195	2	of	of	ADP
asfbr-2	195	3	business	business	NOUN
asfbr-2	195	4	and	and	CCONJ
asfbr-2	195	5	technology	technology	NOUN
asfbr-2	195	6	(	(	PUNCT
asfbr-2	195	7	dhaka	dhaka	PROPN
asfbr-2	195	8	)	)	PUNCT
asfbr-2	195	9	,	,	PUNCT
asfbr-2	195	10	6	6	NUM
asfbr-2	195	11	(	(	PUNCT
asfbr-2	195	12	1	1	NUM
asfbr-2	195	13	)	)	PUNCT
asfbr-2	195	14	,	,	PUNCT
asfbr-2	195	15	15	15	NUM
asfbr-2	195	16	-	-	SYM
asfbr-2	195	17	35	35	NUM
asfbr-2	195	18	.	.	PUNCT
asfbr-2	196	1	al	al	PROPN
asfbr-2	196	2	-	-	PUNCT
asfbr-2	196	3	tamini	tamini	PROPN
asfbr-2	196	4	,	,	PUNCT
asfbr-2	196	5	h.	h.	PROPN
asfbr-2	196	6	a.	a.	PROPN
asfbr-2	196	7	,	,	PUNCT
asfbr-2	196	8	&	&	CCONJ
asfbr-2	196	9	al	al	PROPN
asfbr-2	196	10	-	-	PUNCT
asfbr-2	196	11	mazrooei	mazrooei	PROPN
asfbr-2	196	12	,	,	PUNCT
asfbr-2	196	13	f.	f.	PROPN
asfbr-2	196	14	m.	m.	PROPN
asfbr-2	196	15	(	(	PUNCT
asfbr-2	196	16	2007	2007	NUM
asfbr-2	196	17	)	)	PUNCT
asfbr-2	196	18	.	.	PUNCT
asfbr-2	197	1	banks	bank	NOUN
asfbr-2	197	2	'	'	PART
asfbr-2	197	3	risk	risk	NOUN
asfbr-2	197	4	management	management	NOUN
asfbr-2	197	5	:	:	PUNCT
asfbr-2	197	6	a	a	DET
asfbr-2	197	7	comparison	comparison	NOUN
asfbr-2	197	8	study	study	NOUN
asfbr-2	197	9	of	of	ADP
asfbr-2	197	10	uae	uae	PROPN
asfbr-2	197	11	national	national	ADJ
asfbr-2	197	12	and	and	CCONJ
asfbr-2	197	13	foreign	foreign	ADJ
asfbr-2	197	14	banks	bank	NOUN
asfbr-2	197	15	.	.	PUNCT
asfbr-2	198	1	journal	journal	NOUN
asfbr-2	198	2	of	of	ADP
asfbr-2	198	3	risk	risk	NOUN
asfbr-2	198	4	finance	finance	NOUN
asfbr-2	198	5	,	,	PUNCT
asfbr-2	198	6	394	394	NUM
asfbr-2	198	7	-	-	SYM
asfbr-2	198	8	409	409	NUM
asfbr-2	198	9	,	,	PUNCT
asfbr-2	198	10	doi	doi	NOUN
asfbr-2	198	11	10.1108/15265940710777333	10.1108/15265940710777333	NUM
asfbr-2	198	12	.	.	PUNCT
asfbr-2	198	13	aver	aver	PROPN
asfbr-2	198	14	,	,	PUNCT
asfbr-2	198	15	b.	b.	PROPN
asfbr-2	198	16	(	(	PUNCT
asfbr-2	198	17	2008	2008	NUM
asfbr-2	198	18	)	)	PUNCT
asfbr-2	198	19	.	.	PUNCT
asfbr-2	199	1	an	an	DET
asfbr-2	199	2	empirical	empirical	ADJ
asfbr-2	199	3	analysis	analysis	NOUN
asfbr-2	199	4	of	of	ADP
asfbr-2	199	5	credit	credit	NOUN
asfbr-2	199	6	risk	risk	NOUN
asfbr-2	199	7	factors	factor	NOUN
asfbr-2	199	8	of	of	ADP
asfbr-2	199	9	the	the	DET
asfbr-2	199	10	slovenian	slovenian	ADJ
asfbr-2	199	11	banking	banking	NOUN
asfbr-2	199	12	system	system	NOUN
asfbr-2	199	13	.	.	PUNCT
asfbr-2	200	1	managing	manage	VERB
asfbr-2	200	2	global	global	ADJ
asfbr-2	200	3	transitions	transition	NOUN
asfbr-2	200	4	,	,	PUNCT
asfbr-2	200	5	6	6	NUM
asfbr-2	200	6	(	(	PUNCT
asfbr-2	200	7	3	3	NUM
asfbr-2	200	8	)	)	PUNCT
asfbr-2	200	9	,	,	PUNCT
asfbr-2	200	10	31	31	NUM
asfbr-2	200	11	-	-	SYM
asfbr-2	200	12	334	334	NUM
asfbr-2	200	13	.	.	PUNCT
asfbr-2	201	1	bagchi	bagchi	PROPN
asfbr-2	201	2	,	,	PUNCT
asfbr-2	201	3	s.	s.	PROPN
asfbr-2	201	4	k.	k.	PROPN
asfbr-2	201	5	(	(	PUNCT
asfbr-2	201	6	2003	2003	NUM
asfbr-2	201	7	)	)	PUNCT
asfbr-2	201	8	.	.	PUNCT
asfbr-2	202	1	credit	credit	NOUN
asfbr-2	202	2	risk	risk	NOUN
asfbr-2	202	3	management	management	NOUN
asfbr-2	202	4	–	–	PUNCT
asfbr-2	202	5	a	a	DET
asfbr-2	202	6	panacea	panacea	NOUN
asfbr-2	202	7	or	or	CCONJ
asfbr-2	202	8	conundrum	conundrum	NOUN
asfbr-2	202	9	?	?	PUNCT
asfbr-2	203	1	sbi	sbi	PROPN
asfbr-2	203	2	monthly	monthly	ADJ
asfbr-2	203	3	review	review	NOUN
asfbr-2	203	4	,	,	PUNCT
asfbr-2	203	5	42	42	NUM
asfbr-2	203	6	(	(	PUNCT
asfbr-2	203	7	10	10	NUM
asfbr-2	203	8	)	)	PUNCT
asfbr-2	203	9	,	,	PUNCT
asfbr-2	203	10	497	497	NUM
asfbr-2	203	11	-	-	SYM
asfbr-2	203	12	504	504	NUM
asfbr-2	203	13	.	.	PUNCT
asfbr-2	204	1	basel	basel	PROPN
asfbr-2	204	2	.	.	PUNCT
asfbr-2	205	1	(	(	PUNCT
asfbr-2	205	2	2000	2000	NUM
asfbr-2	205	3	)	)	PUNCT
asfbr-2	205	4	.	.	PUNCT
asfbr-2	206	1	principles	principle	NOUN
asfbr-2	206	2	for	for	ADP
asfbr-2	206	3	the	the	DET
asfbr-2	206	4	management	management	NOUN
asfbr-2	206	5	of	of	ADP
asfbr-2	206	6	credit	credit	NOUN
asfbr-2	206	7	risk	risk	NOUN
asfbr-2	206	8	.	.	PUNCT
asfbr-2	207	1	basel	basel	PROPN
asfbr-2	207	2	committee	committee	PROPN
asfbr-2	207	3	on	on	ADP
asfbr-2	207	4	banking	banking	NOUN
asfbr-2	207	5	supervision	supervision	NOUN
asfbr-2	207	6	.	.	PUNCT
asfbr-2	208	1	bidani	bidani	PROPN
asfbr-2	208	2	,	,	PUNCT
asfbr-2	208	3	s.	s.	PROPN
asfbr-2	208	4	n.	n.	PROPN
asfbr-2	208	5	(	(	PUNCT
asfbr-2	208	6	2010	2010	NUM
asfbr-2	208	7	)	)	PUNCT
asfbr-2	208	8	.	.	PUNCT
asfbr-2	209	1	banking	banking	NOUN
asfbr-2	209	2	risk	risk	NOUN
asfbr-2	209	3	:	:	PUNCT
asfbr-2	209	4	management	management	NOUN
asfbr-2	209	5	and	and	CCONJ
asfbr-2	209	6	audit	audit	NOUN
asfbr-2	209	7	.	.	PUNCT
asfbr-2	210	1	new	new	ADJ
asfbr-2	210	2	delhi	delhi	PROPN
asfbr-2	210	3	:	:	PUNCT
asfbr-2	210	4	vision	vision	NOUN
asfbr-2	210	5	books	book	NOUN
asfbr-2	210	6	pvt.ltd	pvt.ltd	PROPN
asfbr-2	210	7	.	.	PUNCT
asfbr-2	211	1	breuer	breuer	PROPN
asfbr-2	211	2	,	,	PUNCT
asfbr-2	211	3	t.	t.	PROPN
asfbr-2	211	4	,	,	PUNCT
asfbr-2	211	5	jandacka	jandacka	PROPN
asfbr-2	211	6	,	,	PUNCT
asfbr-2	211	7	m.	m.	NOUN
asfbr-2	211	8	,	,	PUNCT
asfbr-2	211	9	rheinberger	rheinberger	NOUN
asfbr-2	211	10	,	,	PUNCT
asfbr-2	211	11	k.	k.	PROPN
asfbr-2	211	12	,	,	PUNCT
asfbr-2	211	13	&	&	CCONJ
asfbr-2	211	14	summer	summer	NOUN
asfbr-2	211	15	,	,	PUNCT
asfbr-2	211	16	m.	m.	NOUN
asfbr-2	211	17	(	(	PUNCT
asfbr-2	211	18	2010	2010	NUM
asfbr-2	211	19	)	)	PUNCT
asfbr-2	211	20	.	.	PUNCT
asfbr-2	212	1	does	do	AUX
asfbr-2	212	2	adding	add	VERB
asfbr-2	212	3	up	up	ADP
asfbr-2	212	4	of	of	ADP
asfbr-2	212	5	economic	economic	ADJ
asfbr-2	212	6	capital	capital	NOUN
asfbr-2	212	7	for	for	ADP
asfbr-2	212	8	market	market	NOUN
asfbr-2	212	9	-	-	PUNCT
asfbr-2	212	10	and	and	CCONJ
asfbr-2	212	11	credit	credit	NOUN
asfbr-2	212	12	risk	risk	NOUN
asfbr-2	212	13	amount	amount	NOUN
asfbr-2	212	14	to	to	ADP
asfbr-2	212	15	conservative	conservative	ADJ
asfbr-2	212	16	risk	risk	NOUN
asfbr-2	212	17	assessment	assessment	NOUN
asfbr-2	212	18	.	.	PUNCT
asfbr-2	213	1	journal	journal	NOUN
asfbr-2	213	2	of	of	ADP
asfbr-2	213	3	banking	banking	NOUN
asfbr-2	213	4	&	&	CCONJ
asfbr-2	213	5	finance	finance	PROPN
asfbr-2	213	6	,	,	PUNCT
asfbr-2	213	7	34	34	NUM
asfbr-2	213	8	(	(	PUNCT
asfbr-2	213	9	4	4	NUM
asfbr-2	213	10	)	)	PUNCT
asfbr-2	213	11	,	,	PUNCT
asfbr-2	213	12	703	703	NUM
asfbr-2	213	13	-	-	SYM
asfbr-2	213	14	712	712	NUM
asfbr-2	213	15	.	.	PUNCT
asfbr-2	214	1	das	das	PROPN
asfbr-2	214	2	,	,	PUNCT
asfbr-2	214	3	s.	s.	PROPN
asfbr-2	214	4	,	,	PUNCT
asfbr-2	214	5	&	&	CCONJ
asfbr-2	214	6	das	das	PROPN
asfbr-2	214	7	,	,	PUNCT
asfbr-2	214	8	s.	s.	PROPN
asfbr-2	214	9	(	(	PUNCT
asfbr-2	214	10	2007	2007	NUM
asfbr-2	214	11	,	,	PUNCT
asfbr-2	214	12	julydecember	julydecember	PROPN
asfbr-2	214	13	)	)	PUNCT
asfbr-2	214	14	.	.	PUNCT
asfbr-2	215	1	credit	credit	NOUN
asfbr-2	215	2	risk	risk	NOUN
asfbr-2	215	3	management	management	NOUN
asfbr-2	215	4	practice	practice	NOUN
asfbr-2	215	5	an	an	DET
asfbr-2	215	6	evaluation	evaluation	NOUN
asfbr-2	215	7	of	of	ADP
asfbr-2	215	8	commercial	commercial	ADJ
asfbr-2	215	9	banks	bank	NOUN
asfbr-2	215	10	in	in	ADP
asfbr-2	215	11	bangladesh	bangladesh	PROPN
asfbr-2	215	12	.	.	PUNCT
asfbr-2	216	1	asa	asa	PROPN
asfbr-2	216	2	university	university	PROPN
asfbr-2	216	3	review	review	NOUN
asfbr-2	216	4	,	,	PUNCT
asfbr-2	216	5	available	available	ADJ
asfbr-2	216	6	at	at	ADP
asfbr-2	216	7	ssrn	ssrn	NOUN
asfbr-2	216	8	:	:	PUNCT
asfbr-2	216	9	http://ssrn.com	http://ssrn.com	X
asfbr-2	216	10	/	/	SYM
asfbr-2	216	11	abstract=1849144	abstract=1849144	PROPN
asfbr-2	216	12	.	.	PUNCT
asfbr-2	217	1	diwan	diwan	PROPN
asfbr-2	217	2	,	,	PUNCT
asfbr-2	217	3	i.	i.	PROPN
asfbr-2	217	4	,	,	PUNCT
asfbr-2	217	5	&	&	CCONJ
asfbr-2	217	6	rodick	rodick	PROPN
asfbr-2	217	7	,	,	PUNCT
asfbr-2	217	8	d.	d.	PROPN
asfbr-2	217	9	(	(	PUNCT
asfbr-2	217	10	1992	1992	NUM
asfbr-2	217	11	)	)	PUNCT
asfbr-2	217	12	.	.	PUNCT
asfbr-2	218	1	debt	debt	NOUN
asfbr-2	218	2	reduction	reduction	NOUN
asfbr-2	218	3	,	,	PUNCT
asfbr-2	218	4	adjustment	adjustment	NOUN
asfbr-2	218	5	lending	lending	NOUN
asfbr-2	218	6	,	,	PUNCT
asfbr-2	218	7	and	and	CCONJ
asfbr-2	218	8	burden	burden	NOUN
asfbr-2	218	9	sharing	sharing	NOUN
asfbr-2	218	10	.	.	PUNCT
asfbr-2	219	1	nber	nber	PROPN
asfbr-2	219	2	working	working	PROPN
asfbr-2	219	3	paper	paper	PROPN
asfbr-2	219	4	no	no	INTJ
asfbr-2	219	5	.	.	PROPN
asfbr-2	220	1	4007	4007	NUM
asfbr-2	220	2	(	(	PUNCT
asfbr-2	220	3	cambridge	cambridge	PROPN
asfbr-2	220	4	ma	ma	PROPN
asfbr-2	220	5	,	,	PUNCT
asfbr-2	220	6	march	march	PROPN
asfbr-2	220	7	)	)	PUNCT
asfbr-2	220	8	.	.	PUNCT
asfbr-2	221	1	duffie	duffie	PROPN
asfbr-2	221	2	,	,	PUNCT
asfbr-2	221	3	d.	d.	PROPN
asfbr-2	221	4	,	,	PUNCT
asfbr-2	221	5	&	&	CCONJ
asfbr-2	221	6	singleton	singleton	PROPN
asfbr-2	221	7	,	,	PUNCT
asfbr-2	221	8	k.	k.	PROPN
asfbr-2	221	9	j.	j.	PROPN
asfbr-2	221	10	(	(	PUNCT
asfbr-2	221	11	2003	2003	NUM
asfbr-2	221	12	)	)	PUNCT
asfbr-2	221	13	.	.	PUNCT
asfbr-2	222	1	credit	credit	NOUN
asfbr-2	222	2	risk	risk	NOUN
asfbr-2	222	3	:	:	PUNCT
asfbr-2	223	1	pricing	pricing	NOUN
asfbr-2	223	2	,	,	PUNCT
asfbr-2	223	3	measurement	measurement	NOUN
asfbr-2	223	4	and	and	CCONJ
asfbr-2	223	5	management	management	NOUN
asfbr-2	223	6	.	.	PUNCT
asfbr-2	224	1	newjersey	newjersey	NOUN
asfbr-2	224	2	:	:	PUNCT
asfbr-2	224	3	oxford	oxford	PROPN
asfbr-2	224	4	:	:	PUNCT
asfbr-2	224	5	princeton	princeton	PROPN
asfbr-2	224	6	university	university	PROPN
asfbr-2	224	7	press	press	NOUN
asfbr-2	224	8	.	.	PUNCT
asfbr-2	225	1	gray	gray	ADJ
asfbr-2	225	2	,	,	PUNCT
asfbr-2	225	3	c.	c.	PROPN
asfbr-2	225	4	f.	f.	PROPN
asfbr-2	225	5	,	,	PUNCT
asfbr-2	225	6	&	&	CCONJ
asfbr-2	225	7	larson	larson	PROPN
asfbr-2	225	8	,	,	PUNCT
asfbr-2	225	9	e.	e.	PROPN
asfbr-2	225	10	w.	w.	PROPN
asfbr-2	225	11	(	(	PUNCT
asfbr-2	225	12	2008	2008	NUM
asfbr-2	225	13	)	)	PUNCT
asfbr-2	225	14	.	.	PUNCT
asfbr-2	226	1	project	project	NOUN
asfbr-2	226	2	management	management	NOUN
asfbr-2	226	3	:	:	PUNCT
asfbr-2	226	4	the	the	DET
asfbr-2	226	5	managerial	managerial	ADJ
asfbr-2	226	6	process	process	NOUN
asfbr-2	226	7	(	(	PUNCT
asfbr-2	226	8	3rd	3rd	ADJ
asfbr-2	226	9	ed	ed	NOUN
asfbr-2	226	10	.	.	PUNCT
asfbr-2	226	11	)	)	PUNCT
asfbr-2	226	12	.	.	PUNCT
asfbr-2	227	1	new	new	ADJ
asfbr-2	227	2	delhi	delhi	PROPN
asfbr-2	227	3	:	:	PUNCT
asfbr-2	227	4	tata	tata	PROPN
asfbr-2	227	5	macgraw	macgraw	PROPN
asfbr-2	227	6	-	-	PUNCT
asfbr-2	227	7	hill	hill	NOUN
asfbr-2	227	8	.	.	PUNCT
asfbr-2	228	1	greuning	greuning	NOUN
asfbr-2	228	2	,	,	PUNCT
asfbr-2	228	3	h.	h.	PROPN
asfbr-2	228	4	v.	v.	PROPN
asfbr-2	228	5	,	,	PUNCT
asfbr-2	228	6	&	&	CCONJ
asfbr-2	228	7	bratanovic	bratanovic	PROPN
asfbr-2	228	8	,	,	PUNCT
asfbr-2	228	9	s.	s.	PROPN
asfbr-2	228	10	b.	b.	PROPN
asfbr-2	228	11	(	(	PUNCT
asfbr-2	228	12	2003	2003	NUM
asfbr-2	228	13	)	)	PUNCT
asfbr-2	228	14	.	.	PUNCT
asfbr-2	229	1	analyzing	analyze	VERB
asfbr-2	229	2	and	and	CCONJ
asfbr-2	229	3	managing	manage	VERB
asfbr-2	229	4	banking	banking	NOUN
asfbr-2	229	5	risk	risk	NOUN
asfbr-2	229	6	:	:	PUNCT
asfbr-2	229	7	a	a	DET
asfbr-2	229	8	framework	framework	NOUN
asfbr-2	229	9	for	for	ADP
asfbr-2	229	10	assessing	assess	VERB
asfbr-2	229	11	corporate	corporate	ADJ
asfbr-2	229	12	governance	governance	NOUN
asfbr-2	229	13	and	and	CCONJ
asfbr-2	229	14	financial	financial	ADJ
asfbr-2	229	15	risk	risk	NOUN
asfbr-2	229	16	.	.	PUNCT
asfbr-2	230	1	(	(	PUNCT
asfbr-2	230	2	2	2	X
asfbr-2	230	3	.	.	X
asfbr-2	230	4	edition	edition	NOUN
asfbr-2	230	5	,	,	PUNCT
asfbr-2	230	6	ed	ed	NOUN
asfbr-2	230	7	.	.	PUNCT
asfbr-2	230	8	)	)	PUNCT
asfbr-2	231	1	washington	washington	PROPN
asfbr-2	231	2	dc	dc	PROPN
asfbr-2	231	3	,	,	PUNCT
asfbr-2	231	4	world	world	PROPN
asfbr-2	231	5	bank	bank	PROPN
asfbr-2	231	6	publications	publication	NOUN
asfbr-2	231	7	.	.	PUNCT
asfbr-2	232	1	hou	hou	NOUN
asfbr-2	232	2	,	,	PUNCT
asfbr-2	232	3	y.	y.	PROPN
asfbr-2	232	4	(	(	PUNCT
asfbr-2	232	5	2007	2007	NUM
asfbr-2	232	6	)	)	PUNCT
asfbr-2	232	7	.	.	PUNCT
asfbr-2	233	1	the	the	DET
asfbr-2	233	2	non	non	ADJ
asfbr-2	233	3	-	-	ADJ
asfbr-2	233	4	performing	performing	ADJ
asfbr-2	233	5	loans	loan	NOUN
asfbr-2	233	6	:	:	PUNCT
asfbr-2	233	7	some	some	DET
asfbr-2	233	8	bank_level	bank_level	NOUN
asfbr-2	233	9	experiances	experiance	NOUN
asfbr-2	233	10	.	.	PUNCT
asfbr-2	234	1	4th	4th	ADJ
asfbr-2	234	2	afe	afe	NOUN
asfbr-2	234	3	-	-	PUNCT
asfbr-2	234	4	qass	qass	NOUN
asfbr-2	234	5	conference	conference	NOUN
asfbr-2	234	6	,	,	PUNCT
asfbr-2	234	7	ineag	ineag	NOUN
asfbr-2	234	8	.	.	PROPN
asfbr-2	234	9	imbierowicz	imbierowicz	PROPN
asfbr-2	234	10	,	,	PUNCT
asfbr-2	234	11	b.	b.	PROPN
asfbr-2	234	12	,	,	PUNCT
asfbr-2	234	13	&	&	CCONJ
asfbr-2	234	14	rauch	rauch	PROPN
asfbr-2	234	15	,	,	PUNCT
asfbr-2	234	16	c.	c.	PROPN
asfbr-2	234	17	(	(	PUNCT
asfbr-2	234	18	2014	2014	NUM
asfbr-2	234	19	)	)	PUNCT
asfbr-2	234	20	.	.	PUNCT
asfbr-2	235	1	the	the	DET
asfbr-2	235	2	relationship	relationship	NOUN
asfbr-2	235	3	between	between	ADP
asfbr-2	235	4	liquidity	liquidity	NOUN
asfbr-2	235	5	risk	risk	NOUN
asfbr-2	235	6	and	and	CCONJ
asfbr-2	235	7	credit	credit	NOUN
asfbr-2	235	8	risk	risk	NOUN
asfbr-2	235	9	in	in	ADP
asfbr-2	235	10	banks.journal	banks.journal	PROPN
asfbr-2	235	11	of	of	ADP
asfbr-2	235	12	banking	banking	NOUN
asfbr-2	235	13	and	and	CCONJ
asfbr-2	235	14	finance	finance	NOUN
asfbr-2	235	15	,	,	PUNCT
asfbr-2	235	16	40	40	NUM
asfbr-2	235	17	(	(	PUNCT
asfbr-2	235	18	1	1	NUM
asfbr-2	235	19	)	)	PUNCT
asfbr-2	235	20	,	,	PUNCT
asfbr-2	235	21	p.242	p.242	NOUN
asfbr-2	235	22	-	-	SYM
asfbr-2	235	23	256	256	NUM
asfbr-2	235	24	,	,	PUNCT
asfbr-2	235	25	doi.org/10.2139/ssrn.1884917	doi.org/10.2139/ssrn.1884917	NOUN
asfbr-2	235	26	.	.	PUNCT
asfbr-2	236	1	joseph	joseph	PROPN
asfbr-2	236	2	,	,	PUNCT
asfbr-2	236	3	c.	c.	PROPN
asfbr-2	236	4	(	(	PUNCT
asfbr-2	236	5	2014	2014	NUM
asfbr-2	236	6	)	)	PUNCT
asfbr-2	236	7	.	.	PUNCT
asfbr-2	237	1	advance	advance	PROPN
asfbr-2	237	2	credi	credi	PROPN
asfbr-2	237	3	risk	risk	NOUN
asfbr-2	237	4	management	management	NOUN
asfbr-2	237	5	:	:	PUNCT
asfbr-2	237	6	analysis	analysis	NOUN
asfbr-2	237	7	and	and	CCONJ
asfbr-2	237	8	management	management	NOUN
asfbr-2	237	9	.	.	PUNCT
asfbr-2	238	1	new	new	ADJ
asfbr-2	238	2	delhi	delhi	PROPN
asfbr-2	238	3	:	:	PUNCT
asfbr-2	238	4	wily	wily	PROPN
asfbr-2	238	5	india	india	PROPN
asfbr-2	238	6	pvt	pvt	PROPN
asfbr-2	238	7	.	.	PROPN
asfbr-2	238	8	ltd	ltd	PROPN
asfbr-2	238	9	.	.	PROPN
asfbr-2	238	10	koopman	koopman	PROPN
asfbr-2	238	11	,	,	PUNCT
asfbr-2	238	12	s.	s.	PROPN
asfbr-2	238	13	j.	j.	PROPN
asfbr-2	238	14	,	,	PUNCT
asfbr-2	238	15	&	&	CCONJ
asfbr-2	238	16	lucas	lucas	PROPN
asfbr-2	238	17	,	,	PUNCT
asfbr-2	238	18	a.	a.	NOUN
asfbr-2	238	19	(	(	PUNCT
asfbr-2	238	20	2005	2005	NUM
asfbr-2	238	21	)	)	PUNCT
asfbr-2	238	22	.	.	PUNCT
asfbr-2	239	1	business	business	NOUN
asfbr-2	239	2	and	and	CCONJ
asfbr-2	239	3	default	default	NOUN
asfbr-2	239	4	cycles	cycle	NOUN
asfbr-2	239	5	for	for	ADP
asfbr-2	239	6	credit	credit	NOUN
asfbr-2	239	7	risk	risk	NOUN
asfbr-2	239	8	.	.	PUNCT
asfbr-2	240	1	journal	journal	NOUN
asfbr-2	240	2	of	of	ADP
asfbr-2	240	3	applied	apply	VERB
asfbr-2	240	4	econometrics	econometric	NOUN
asfbr-2	240	5	,	,	PUNCT
asfbr-2	240	6	20	20	NUM
asfbr-2	240	7	,	,	PUNCT
asfbr-2	240	8	311–323	311–323	NUM
asfbr-2	240	9	.	.	PUNCT
asfbr-2	241	1	mckinsey	mckinsey	NOUN
asfbr-2	241	2	&	&	CCONJ
asfbr-2	241	3	company	company	PROPN
asfbr-2	241	4	.	.	PUNCT
asfbr-2	242	1	(	(	PUNCT
asfbr-2	242	2	1997	1997	NUM
asfbr-2	242	3	)	)	PUNCT
asfbr-2	242	4	.	.	PUNCT
asfbr-2	243	1	credit	credit	NOUN
asfbr-2	243	2	portfolio	portfolio	NOUN
asfbr-2	243	3	view	view	NOUN
asfbr-2	243	4	.	.	PUNCT
asfbr-2	244	1	new	new	PROPN
asfbr-2	244	2	york	york	PROPN
asfbr-2	244	3	:	:	PUNCT
asfbr-2	244	4	mackinsey	mackinsey	PROPN
asfbr-2	244	5	inc	inc	PROPN
asfbr-2	244	6	.	.	PROPN
asfbr-2	244	7	mileris	mileris	PROPN
asfbr-2	244	8	,	,	PUNCT
asfbr-2	244	9	r.	r.	PROPN
asfbr-2	244	10	(	(	PUNCT
asfbr-2	244	11	2012	2012	NUM
asfbr-2	244	12	)	)	PUNCT
asfbr-2	244	13	.	.	PUNCT
asfbr-2	245	1	the	the	DET
asfbr-2	245	2	effect	effect	NOUN
asfbr-2	245	3	of	of	ADP
asfbr-2	245	4	maccro	maccro	ADV
asfbr-2	245	5	economic	economic	ADJ
asfbr-2	245	6	coditio	coditio	NOUN
asfbr-2	245	7	of	of	ADP
asfbr-2	245	8	macroeconomic	macroeconomic	ADJ
asfbr-2	245	9	conditions	condition	NOUN
asfbr-2	245	10	on	on	ADP
asfbr-2	245	11	loan	loan	NOUN
asfbr-2	245	12	portfolio	portfolio	NOUN
asfbr-2	245	13	credit	credit	NOUN
asfbr-2	245	14	risk	risk	NOUN
asfbr-2	245	15	and	and	CCONJ
asfbr-2	245	16	banking	banking	NOUN
asfbr-2	245	17	system	system	NOUN
asfbr-2	245	18	interest	interest	NOUN
asfbr-2	245	19	income	income	NOUN
asfbr-2	245	20	.	.	PUNCT
asfbr-2	246	1	economica	economica	PROPN
asfbr-2	246	2	,	,	PUNCT
asfbr-2	246	3	91	91	NUM
asfbr-2	246	4	(	(	PUNCT
asfbr-2	246	5	3	3	NUM
asfbr-2	246	6	)	)	PUNCT
asfbr-2	246	7	,	,	PUNCT
asfbr-2	246	8	85	85	NUM
asfbr-2	246	9	-	-	SYM
asfbr-2	246	10	100	100	NUM
asfbr-2	246	11	.	.	PUNCT
asfbr-2	247	1	nepal	nepal	PROPN
asfbr-2	247	2	rastra	rastra	PROPN
asfbr-2	247	3	bank	bank	PROPN
asfbr-2	247	4	.	.	PUNCT
asfbr-2	248	1	(	(	PUNCT
asfbr-2	248	2	2010	2010	NUM
asfbr-2	248	3	,	,	PUNCT
asfbr-2	248	4	july	july	PROPN
asfbr-2	248	5	)	)	PUNCT
asfbr-2	248	6	.	.	PUNCT
asfbr-2	249	1	risk	risk	NOUN
asfbr-2	249	2	management	management	NOUN
asfbr-2	249	3	guidelines	guideline	NOUN
asfbr-2	249	4	.	.	PUNCT
asfbr-2	250	1	nepal	nepal	PROPN
asfbr-2	250	2	rastra	rastra	PROPN
asfbr-2	250	3	bank	bank	PROPN
asfbr-2	250	4	,	,	PUNCT
asfbr-2	250	5	bank	bank	NOUN
asfbr-2	250	6	supervision	supervision	PROPN
asfbr-2	250	7	department	department	PROPN
asfbr-2	250	8	.	.	PUNCT
asfbr-2	251	1	nijskens	nijskens	PROPN
asfbr-2	251	2	,	,	PUNCT
asfbr-2	251	3	r.	r.	PROPN
asfbr-2	251	4	(	(	PUNCT
asfbr-2	251	5	2011	2011	NUM
asfbr-2	251	6	)	)	PUNCT
asfbr-2	251	7	.	.	PUNCT
asfbr-2	252	1	credit	credit	NOUN
asfbr-2	252	2	risk	risk	NOUN
asfbr-2	252	3	transfer	transfer	NOUN
asfbr-2	252	4	activities	activity	NOUN
asfbr-2	252	5	and	and	CCONJ
asfbr-2	252	6	systemic	systemic	ADJ
asfbr-2	252	7	risk	risk	NOUN
asfbr-2	252	8	:	:	PUNCT
asfbr-2	252	9	how	how	SCONJ
asfbr-2	252	10	banks	bank	NOUN
asfbr-2	252	11	became	become	VERB
asfbr-2	252	12	less	less	ADV
asfbr-2	252	13	risky	risky	ADJ
asfbr-2	252	14	individually	individually	ADV
asfbr-2	252	15	but	but	CCONJ
asfbr-2	252	16	posed	pose	VERB
asfbr-2	252	17	greater	great	ADJ
asfbr-2	252	18	risks	risk	NOUN
asfbr-2	252	19	to	to	ADP
asfbr-2	252	20	the	the	DET
asfbr-2	252	21	financial	financial	ADJ
asfbr-2	252	22	system	system	NOUN
asfbr-2	252	23	at	at	ADP
asfbr-2	252	24	the	the	DET
asfbr-2	252	25	same	same	ADJ
asfbr-2	252	26	time	time	NOUN
asfbr-2	252	27	.	.	PUNCT
asfbr-2	253	1	journal	journal	NOUN
asfbr-2	253	2	of	of	ADP
asfbr-2	253	3	banking	banking	NOUN
asfbr-2	253	4	&	&	CCONJ
asfbr-2	253	5	finance	finance	PROPN
asfbr-2	253	6	,	,	PUNCT
asfbr-2	253	7	35	35	NUM
asfbr-2	253	8	(	(	PUNCT
asfbr-2	253	9	6	6	NUM
asfbr-2	253	10	)	)	PUNCT
asfbr-2	253	11	,	,	PUNCT
asfbr-2	253	12	1391	1391	NUM
asfbr-2	253	13	-	-	SYM
asfbr-2	253	14	1398	1398	NUM
asfbr-2	253	15	.	.	PUNCT
asfbr-2	254	1	poudel	poudel	PROPN
asfbr-2	254	2	,	,	PUNCT
asfbr-2	254	3	r.	r.	PROPN
asfbr-2	254	4	p.	p.	PROPN
asfbr-2	254	5	(	(	PUNCT
asfbr-2	254	6	2013	2013	NUM
asfbr-2	254	7	)	)	PUNCT
asfbr-2	254	8	.	.	PUNCT
asfbr-2	255	1	macroeconomic	macroeconomic	ADJ
asfbr-2	255	2	determinants	determinant	NOUN
asfbr-2	255	3	of	of	ADP
asfbr-2	255	4	credit	credit	NOUN
asfbr-2	255	5	risk	risk	NOUN
asfbr-2	255	6	in	in	ADP
asfbr-2	255	7	nepalese	nepalese	ADJ
asfbr-2	255	8	banking	banking	NOUN
asfbr-2	255	9	industry	industry	NOUN
asfbr-2	255	10	.	.	PUNCT
asfbr-2	256	1	21st	21st	ADJ
asfbr-2	256	2	international	international	ADJ
asfbr-2	256	3	business	business	NOUN
asfbr-2	256	4	research	research	NOUN
asfbr-2	256	5	conference	conference	NOUN
asfbr-2	256	6	10	10	NUM
asfbr-2	256	7	11	11	NUM
asfbr-2	256	8	june	june	PROPN
asfbr-2	256	9	.	.	PUNCT
asfbr-2	257	1	ryerson	ryerson	PROPN
asfbr-2	257	2	university	university	PROPN
asfbr-2	257	3	,	,	PUNCT
asfbr-2	257	4	toronto	toronto	PROPN
asfbr-2	257	5	,	,	PUNCT
asfbr-2	257	6	canada	canada	PROPN
asfbr-2	257	7	.	.	PUNCT
asfbr-2	258	1	rosch	rosch	PROPN
asfbr-2	258	2	,	,	PUNCT
asfbr-2	258	3	d.	d.	PROPN
asfbr-2	258	4	,	,	PUNCT
asfbr-2	258	5	&	&	CCONJ
asfbr-2	258	6	scheule	scheule	PROPN
asfbr-2	258	7	,	,	PUNCT
asfbr-2	258	8	h.	h.	PROPN
asfbr-2	258	9	(	(	PUNCT
asfbr-2	258	10	2010	2010	NUM
asfbr-2	258	11	)	)	PUNCT
asfbr-2	258	12	.	.	PUNCT
asfbr-2	259	1	downturn	downturn	NOUN
asfbr-2	259	2	credit	credit	NOUN
asfbr-2	259	3	portfolio	portfolio	NOUN
asfbr-2	259	4	risk	risk	NOUN
asfbr-2	259	5	,	,	PUNCT
asfbr-2	259	6	regulatory	regulatory	ADJ
asfbr-2	259	7	capital	capital	NOUN
asfbr-2	259	8	and	and	CCONJ
asfbr-2	259	9	prudential	prudential	ADJ
asfbr-2	259	10	incentives	incentive	NOUN
asfbr-2	259	11	.	.	PUNCT
asfbr-2	260	1	international	international	ADJ
asfbr-2	260	2	review	review	NOUN
asfbr-2	260	3	of	of	ADP
asfbr-2	260	4	finance	finance	NOUN
asfbr-2	260	5	,	,	PUNCT
asfbr-2	260	6	10	10	NUM
asfbr-2	260	7	(	(	PUNCT
asfbr-2	260	8	2	2	NUM
asfbr-2	260	9	)	)	PUNCT
asfbr-2	260	10	,	,	PUNCT
asfbr-2	260	11	185–207	185–207	NUM
asfbr-2	260	12	.	.	PUNCT
asfbr-2	260	13	timilsina	timilsina	PROPN
asfbr-2	260	14	,	,	PUNCT
asfbr-2	260	15	n.	n.	PROPN
asfbr-2	260	16	(	(	PUNCT
asfbr-2	260	17	2014	2014	NUM
asfbr-2	260	18	)	)	PUNCT
asfbr-2	260	19	.	.	PUNCT
asfbr-2	261	1	bank	bank	NOUN
asfbr-2	261	2	credit	credit	NOUN
asfbr-2	261	3	and	and	CCONJ
asfbr-2	261	4	economic	economic	ADJ
asfbr-2	261	5	growth	growth	NOUN
asfbr-2	261	6	in	in	ADP
asfbr-2	261	7	nepal	nepal	ADJ
asfbr-2	261	8	:	:	PUNCT
asfbr-2	261	9	an	an	DET
asfbr-2	261	10	empirical	empirical	ADJ
asfbr-2	261	11	analysis	analysis	NOUN
asfbr-2	261	12	.	.	PUNCT
asfbr-2	262	1	nrb	nrb	PROPN
asfbr-2	262	2	working	working	PROPN
asfbr-2	262	3	paper	paper	PROPN
asfbr-2	262	4	series	series	NOUN
asfbr-2	262	5	,	,	PUNCT
asfbr-2	262	6	nrb	nrb	PROPN
asfbr-2	262	7	-	-	PUNCT
asfbr-2	262	8	wp-22	wp-22	NUM
asfbr-2	262	9	.	.	PUNCT
asfbr-2	263	1	kathmndu	kathmndu	NOUN
asfbr-2	263	2	:	:	PUNCT
asfbr-2	263	3	nepal	nepal	PROPN
asfbr-2	263	4	rastra	rastra	PROPN
asfbr-2	263	5	bank	bank	PROPN
asfbr-2	263	6	,	,	PUNCT
asfbr-2	263	7	available	available	ADJ
asfbr-2	263	8	at	at	ADP
asfbr-2	263	9	www.nrb.org.np	www.nrb.org.np	PROPN
asfbr-2	263	10	.	.	PUNCT
asfbr-2	264	1	wang	wang	PROPN
asfbr-2	264	2	,	,	PUNCT
asfbr-2	264	3	y.	y.	PROPN
asfbr-2	264	4	(	(	PUNCT
asfbr-2	264	5	2013	2013	NUM
asfbr-2	264	6	)	)	PUNCT
asfbr-2	264	7	.	.	PUNCT
asfbr-2	265	1	credit	credit	NOUN
asfbr-2	265	2	risk	risk	NOUN
asfbr-2	265	3	management	management	NOUN
asfbr-2	265	4	in	in	ADP
asfbr-2	265	5	rural	rural	ADJ
asfbr-2	265	6	commercial	commercial	ADJ
asfbr-2	265	7	banks	bank	NOUN
asfbr-2	265	8	in	in	ADP
asfbr-2	265	9	china	china	PROPN
asfbr-2	265	10	(	(	PUNCT
asfbr-2	265	11	doctoral	doctoral	PROPN
asfbr-2	265	12	dissertataion),retrived	dissertataion),retrive	VERB
asfbr-2	265	13	from	from	ADP
asfbr-2	265	14	http://researchrepository.napier.ac.uk/id/eprint/6659	http://researchrepository.napier.ac.uk/id/eprint/6659	PROPN
asfbr-2	265	15	.	.	PUNCT
asfbr-2	266	1	williams	williams	PROPN
asfbr-2	266	2	,	,	PUNCT
asfbr-2	266	3	r.	r.	PROPN
asfbr-2	266	4	,	,	PUNCT
asfbr-2	266	5	bertsch	bertsch	PROPN
asfbr-2	266	6	,	,	PUNCT
asfbr-2	266	7	b.	b.	PROPN
asfbr-2	266	8	,	,	PUNCT
asfbr-2	266	9	dale	dale	PROPN
asfbr-2	266	10	,	,	PUNCT
asfbr-2	266	11	b.	b.	PROPN
asfbr-2	266	12	,	,	PUNCT
asfbr-2	266	13	wiele	wiele	PROPN
asfbr-2	266	14	,	,	PUNCT
asfbr-2	266	15	t.	t.	PROPN
asfbr-2	266	16	v.	v.	PROPN
asfbr-2	266	17	,	,	PUNCT
asfbr-2	266	18	iwaarden	iwaarden	PROPN
asfbr-2	266	19	,	,	PUNCT
asfbr-2	266	20	j.	j.	PROPN
asfbr-2	266	21	v.	v.	PROPN
asfbr-2	266	22	,	,	PUNCT
asfbr-2	266	23	smith	smith	PROPN
asfbr-2	266	24	,	,	PUNCT
asfbr-2	266	25	m.	m.	NOUN
asfbr-2	266	26	,	,	PUNCT
asfbr-2	266	27	et	et	PROPN
asfbr-2	266	28	al	al	PROPN
asfbr-2	266	29	.	.	PUNCT
asfbr-2	267	1	(	(	PUNCT
asfbr-2	267	2	2006	2006	NUM
asfbr-2	267	3	)	)	PUNCT
asfbr-2	267	4	.	.	PUNCT
asfbr-2	268	1	quality	quality	NOUN
asfbr-2	268	2	and	and	CCONJ
asfbr-2	268	3	risk	risk	NOUN
asfbr-2	268	4	management	management	NOUN
asfbr-2	268	5	:	:	PUNCT
asfbr-2	268	6	what	what	PRON
asfbr-2	268	7	are	be	AUX
asfbr-2	268	8	the	the	DET
asfbr-2	268	9	key	key	ADJ
asfbr-2	268	10	issues	issue	NOUN
asfbr-2	268	11	.	.	PUNCT
asfbr-2	269	1	the	the	DET
asfbr-2	269	2	tqm	tqm	PROPN
asfbr-2	269	3	magazine	magazine	NOUN
asfbr-2	269	4	,	,	PUNCT
asfbr-2	269	5	18	18	NUM
asfbr-2	269	6	(	(	PUNCT
asfbr-2	269	7	1	1	NUM
asfbr-2	269	8	)	)	PUNCT
asfbr-2	269	9	,	,	PUNCT
asfbr-2	269	10	67	67	NUM
asfbr-2	269	11	-	-	SYM
asfbr-2	269	12	86	86	NUM
asfbr-2	269	13	.	.	PUNCT
asfbr-2	270	1	copyrights	copyright	VERB
asfbr-2	270	2	copyright	copyright	NOUN
asfbr-2	270	3	for	for	ADP
asfbr-2	270	4	this	this	DET
asfbr-2	270	5	article	article	NOUN
asfbr-2	270	6	is	be	AUX
asfbr-2	270	7	retained	retain	VERB
asfbr-2	270	8	by	by	ADP
asfbr-2	270	9	the	the	DET
asfbr-2	270	10	author(s	author(s	PROPN
asfbr-2	270	11	)	)	PUNCT
asfbr-2	270	12	,	,	PUNCT
asfbr-2	270	13	with	with	ADP
asfbr-2	270	14	first	first	ADJ
asfbr-2	270	15	publication	publication	NOUN
asfbr-2	270	16	rights	right	NOUN
asfbr-2	270	17	granted	grant	VERB
asfbr-2	270	18	to	to	ADP
asfbr-2	270	19	the	the	DET
asfbr-2	270	20	journal	journal	NOUN
asfbr-2	270	21	.	.	PUNCT
asfbr-2	271	1	17	17	NUM
asfbr-2	271	2	27	27	NUM
