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