id	sid	tid	token	lemma	pos
ajfa-10274	1	1	microsoft	microsoft	PROPN
ajfa-10274	1	2	word	word	NOUN
ajfa-10274	1	3	10274	10274	NUM
ajfa-10274	1	4	-	-	SYM
ajfa-10274	1	5	37919	37919	NUM
ajfa-10274	1	6	-	-	PUNCT
ajfa-10274	1	7	1	1	NUM
ajfa-10274	1	8	-	-	PUNCT
ajfa-10274	1	9	sm	sm	NOUN
ajfa-10274	1	10	-	-	PUNCT
ajfa-10274	1	11	writer2	writer2	VERB
ajfa-10274	1	12	-	-	ADJ
ajfa-10274	1	13	new	new	ADJ
ajfa-10274	1	14	-	-	PUNCT
ajfa-10274	1	15	final	final	ADJ
ajfa-10274	1	16	asian	asian	ADJ
ajfa-10274	1	17	journal	journal	NOUN
ajfa-10274	1	18	of	of	ADP
ajfa-10274	1	19	finance	finance	PROPN
ajfa-10274	1	20	&	&	CCONJ
ajfa-10274	1	21	accounting	accounting	PROPN
ajfa-10274	1	22	issn	issn	PROPN
ajfa-10274	1	23	1946	1946	NUM
ajfa-10274	1	24	-	-	PUNCT
ajfa-10274	1	25	052x	052x	PROPN
ajfa-10274	1	26	2016	2016	NUM
ajfa-10274	1	27	,	,	PUNCT
ajfa-10274	1	28	vol	vol	NOUN
ajfa-10274	1	29	.	.	PROPN
ajfa-10274	1	30	8	8	NUM
ajfa-10274	1	31	,	,	PUNCT
ajfa-10274	1	32	no	no	INTJ
ajfa-10274	1	33	.	.	NOUN
ajfa-10274	1	34	2	2	NUM
ajfa-10274	1	35	ajfa.macrothink.org	ajfa.macrothink.org	ADJ
ajfa-10274	1	36	194	194	NUM
ajfa-10274	1	37	determinants	determinant	NOUN
ajfa-10274	1	38	of	of	ADP
ajfa-10274	1	39	bank	bank	NOUN
ajfa-10274	1	40	profitability	profitability	NOUN
ajfa-10274	1	41	in	in	ADP
ajfa-10274	1	42	ghana	ghana	PROPN
ajfa-10274	1	43	:	:	PUNCT
ajfa-10274	1	44	new	new	ADJ
ajfa-10274	1	45	evidence	evidence	NOUN
ajfa-10274	1	46	daniel	daniel	PROPN
ajfa-10274	1	47	anarfi	anarfi	PROPN
ajfa-10274	1	48	faculty	faculty	NOUN
ajfa-10274	1	49	of	of	ADP
ajfa-10274	1	50	economics	economic	NOUN
ajfa-10274	1	51	,	,	PUNCT
ajfa-10274	1	52	mendel	mendel	PROPN
ajfa-10274	1	53	university	university	PROPN
ajfa-10274	1	54	in	in	ADP
ajfa-10274	1	55	brno	brno	NOUN
ajfa-10274	1	56	,	,	PUNCT
ajfa-10274	1	57	czech	czech	PROPN
ajfa-10274	1	58	republic	republic	NOUN
ajfa-10274	1	59	e	e	NOUN
ajfa-10274	1	60	-	-	NOUN
ajfa-10274	1	61	mail	mail	NOUN
ajfa-10274	1	62	:	:	PUNCT
ajfa-10274	2	1	anarfidaniel@ymail.com	anarfidaniel@ymail.com	PROPN
ajfa-10274	2	2	emmanuel	emmanuel	PROPN
ajfa-10274	2	3	joel	joel	PROPN
ajfa-10274	2	4	aikins	aikin	VERB
ajfa-10274	2	5	abakah	abakah	PROPN
ajfa-10274	2	6	school	school	NOUN
ajfa-10274	2	7	of	of	ADP
ajfa-10274	2	8	business	business	NOUN
ajfa-10274	2	9	,	,	PUNCT
ajfa-10274	2	10	university	university	PROPN
ajfa-10274	2	11	of	of	ADP
ajfa-10274	2	12	adelaide	adelaide	PROPN
ajfa-10274	2	13	,	,	PUNCT
ajfa-10274	2	14	australia	australia	PROPN
ajfa-10274	2	15	e	e	NOUN
ajfa-10274	2	16	-	-	NOUN
ajfa-10274	2	17	mail	mail	NOUN
ajfa-10274	2	18	:	:	PUNCT
ajfa-10274	3	1	ejabakah@gmail.com	ejabakah@gmail.com	X
ajfa-10274	4	1	eunice	eunice	PROPN
ajfa-10274	4	2	boateng	boateng	PROPN
ajfa-10274	4	3	all	all	DET
ajfa-10274	4	4	african	african	ADJ
ajfa-10274	4	5	students	student	NOUN
ajfa-10274	4	6	union	union	NOUN
ajfa-10274	4	7	(	(	PUNCT
ajfa-10274	4	8	asu	asu	PROPN
ajfa-10274	4	9	)	)	PUNCT
ajfa-10274	4	10	ghana	ghana	PROPN
ajfa-10274	4	11	e	e	NOUN
ajfa-10274	4	12	-	-	NOUN
ajfa-10274	4	13	mail	mail	NOUN
ajfa-10274	4	14	:	:	PUNCT
ajfa-10274	4	15	eunniceboateng@gmail.com	eunniceboateng@gmail.com	X
ajfa-10274	4	16	received	receive	VERB
ajfa-10274	4	17	:	:	PUNCT
ajfa-10274	4	18	nov.7	nov.7	PROPN
ajfa-10274	4	19	,	,	PUNCT
ajfa-10274	4	20	2016	2016	NUM
ajfa-10274	4	21	accepted	accept	VERB
ajfa-10274	4	22	:	:	PUNCT
ajfa-10274	4	23	nov	nov	PROPN
ajfa-10274	4	24	.	.	PROPN
ajfa-10274	4	25	29	29	NUM
ajfa-10274	4	26	,	,	PUNCT
ajfa-10274	4	27	2016	2016	NUM
ajfa-10274	4	28	published	publish	VERB
ajfa-10274	4	29	:	:	PUNCT
ajfa-10274	4	30	december	december	PROPN
ajfa-10274	4	31	1	1	NUM
ajfa-10274	4	32	,	,	PUNCT
ajfa-10274	4	33	2016	2016	NUM
ajfa-10274	4	34	doi:10.5296	doi:10.5296	NOUN
ajfa-10274	4	35	/	/	SYM
ajfa-10274	4	36	ajfa.v8i2.10274	ajfa.v8i2.10274	NUM
ajfa-10274	4	37	url	url	NOUN
ajfa-10274	4	38	:	:	PUNCT
ajfa-10274	4	39	http://dx.doi.org/10.5296/ajfa.v8i2.10274	http://dx.doi.org/10.5296/ajfa.v8i2.10274	NOUN
ajfa-10274	4	40	abstract	abstract	ADV
ajfa-10274	4	41	this	this	DET
ajfa-10274	4	42	study	study	NOUN
ajfa-10274	4	43	examines	examine	VERB
ajfa-10274	4	44	the	the	DET
ajfa-10274	4	45	determinants	determinant	NOUN
ajfa-10274	4	46	of	of	ADP
ajfa-10274	4	47	profitability	profitability	NOUN
ajfa-10274	4	48	in	in	ADP
ajfa-10274	4	49	the	the	DET
ajfa-10274	4	50	ghanaian	ghanaian	ADJ
ajfa-10274	4	51	banking	banking	NOUN
ajfa-10274	4	52	industry	industry	NOUN
ajfa-10274	4	53	for	for	ADP
ajfa-10274	4	54	an	an	DET
ajfa-10274	4	55	eight	eight	NUM
ajfa-10274	4	56	(	(	PUNCT
ajfa-10274	4	57	8)	8)	NUM
ajfa-10274	4	58	year	year	NOUN
ajfa-10274	4	59	period	period	NOUN
ajfa-10274	4	60	of	of	ADP
ajfa-10274	4	61	2007	2007	NUM
ajfa-10274	4	62	to	to	ADP
ajfa-10274	4	63	2014	2014	NUM
ajfa-10274	4	64	.	.	PUNCT
ajfa-10274	5	1	using	use	VERB
ajfa-10274	5	2	a	a	DET
ajfa-10274	5	3	sample	sample	NOUN
ajfa-10274	5	4	from	from	ADP
ajfa-10274	5	5	9	9	NUM
ajfa-10274	5	6	local	local	ADJ
ajfa-10274	5	7	banks	bank	NOUN
ajfa-10274	5	8	and	and	CCONJ
ajfa-10274	5	9	12	12	NUM
ajfa-10274	5	10	foreign	foreign	ADJ
ajfa-10274	5	11	banks	bank	NOUN
ajfa-10274	5	12	in	in	ADP
ajfa-10274	5	13	ghana	ghana	PROPN
ajfa-10274	5	14	,	,	PUNCT
ajfa-10274	5	15	the	the	DET
ajfa-10274	5	16	study	study	NOUN
ajfa-10274	5	17	combines	combine	VERB
ajfa-10274	5	18	bank	bank	NOUN
ajfa-10274	5	19	-	-	PUNCT
ajfa-10274	5	20	specific	specific	ADJ
ajfa-10274	5	21	determinants	determinant	NOUN
ajfa-10274	5	22	and	and	CCONJ
ajfa-10274	5	23	macroeconomic	macroeconomic	ADJ
ajfa-10274	5	24	variables	variable	NOUN
ajfa-10274	5	25	to	to	PART
ajfa-10274	5	26	access	access	VERB
ajfa-10274	5	27	bank	bank	NOUN
ajfa-10274	5	28	profitability	profitability	NOUN
ajfa-10274	5	29	with	with	ADP
ajfa-10274	5	30	return	return	NOUN
ajfa-10274	5	31	on	on	ADP
ajfa-10274	5	32	assets	asset	NOUN
ajfa-10274	5	33	(	(	PUNCT
ajfa-10274	5	34	roa	roa	NOUN
ajfa-10274	5	35	)	)	PUNCT
ajfa-10274	5	36	as	as	ADP
ajfa-10274	5	37	the	the	DET
ajfa-10274	5	38	dependent	dependent	ADJ
ajfa-10274	5	39	variable	variable	NOUN
ajfa-10274	5	40	.	.	PUNCT
ajfa-10274	6	1	the	the	DET
ajfa-10274	6	2	hausman	hausman	PROPN
ajfa-10274	6	3	specification	specification	PROPN
ajfa-10274	6	4	test	test	NOUN
ajfa-10274	6	5	was	be	AUX
ajfa-10274	6	6	performed	perform	VERB
ajfa-10274	6	7	on	on	ADP
ajfa-10274	6	8	a	a	DET
ajfa-10274	6	9	panel	panel	NOUN
ajfa-10274	6	10	regression	regression	NOUN
ajfa-10274	6	11	to	to	PART
ajfa-10274	6	12	determine	determine	VERB
ajfa-10274	6	13	the	the	DET
ajfa-10274	6	14	appropriate	appropriate	ADJ
ajfa-10274	6	15	model	model	NOUN
ajfa-10274	6	16	for	for	ADP
ajfa-10274	6	17	this	this	DET
ajfa-10274	6	18	study	study	NOUN
ajfa-10274	6	19	.	.	PUNCT
ajfa-10274	7	1	the	the	DET
ajfa-10274	7	2	estimation	estimation	NOUN
ajfa-10274	7	3	results	result	NOUN
ajfa-10274	7	4	shows	show	VERB
ajfa-10274	7	5	that	that	SCONJ
ajfa-10274	7	6	,	,	PUNCT
ajfa-10274	7	7	bank	bank	NOUN
ajfa-10274	7	8	size	size	NOUN
ajfa-10274	7	9	and	and	CCONJ
ajfa-10274	7	10	deposits	deposit	NOUN
ajfa-10274	7	11	are	be	AUX
ajfa-10274	7	12	not	not	PART
ajfa-10274	7	13	significant	significant	ADJ
ajfa-10274	7	14	and	and	CCONJ
ajfa-10274	7	15	does	do	AUX
ajfa-10274	7	16	not	not	PART
ajfa-10274	7	17	impact	impact	VERB
ajfa-10274	7	18	profitability	profitability	NOUN
ajfa-10274	7	19	.	.	PUNCT
ajfa-10274	8	1	however	however	ADV
ajfa-10274	8	2	,	,	PUNCT
ajfa-10274	8	3	loans	loan	NOUN
ajfa-10274	8	4	,	,	PUNCT
ajfa-10274	8	5	capital	capital	NOUN
ajfa-10274	8	6	and	and	CCONJ
ajfa-10274	8	7	overheads	overhead	NOUN
ajfa-10274	8	8	were	be	AUX
ajfa-10274	8	9	found	find	VERB
ajfa-10274	8	10	to	to	PART
ajfa-10274	8	11	be	be	AUX
ajfa-10274	8	12	significant	significant	ADJ
ajfa-10274	8	13	and	and	CCONJ
ajfa-10274	8	14	impacts	impact	NOUN
ajfa-10274	8	15	on	on	ADP
ajfa-10274	8	16	profitability	profitability	NOUN
ajfa-10274	8	17	.	.	PUNCT
ajfa-10274	9	1	the	the	DET
ajfa-10274	9	2	study	study	NOUN
ajfa-10274	9	3	concludes	conclude	VERB
ajfa-10274	9	4	that	that	SCONJ
ajfa-10274	9	5	banks	bank	NOUN
ajfa-10274	9	6	in	in	ADP
ajfa-10274	9	7	ghana	ghana	PROPN
ajfa-10274	9	8	should	should	AUX
ajfa-10274	9	9	be	be	AUX
ajfa-10274	9	10	technological	technological	ADJ
ajfa-10274	9	11	in	in	ADP
ajfa-10274	9	12	their	their	PRON
ajfa-10274	9	13	operations	operation	NOUN
ajfa-10274	9	14	to	to	PART
ajfa-10274	9	15	reduce	reduce	VERB
ajfa-10274	9	16	staff	staff	NOUN
ajfa-10274	9	17	cost	cost	NOUN
ajfa-10274	9	18	since	since	SCONJ
ajfa-10274	9	19	the	the	DET
ajfa-10274	9	20	overhead	overhead	NOUN
ajfa-10274	9	21	was	be	AUX
ajfa-10274	9	22	highly	highly	ADV
ajfa-10274	9	23	significant	significant	ADJ
ajfa-10274	9	24	and	and	CCONJ
ajfa-10274	9	25	impacts	impact	NOUN
ajfa-10274	9	26	negatively	negatively	ADV
ajfa-10274	9	27	on	on	ADP
ajfa-10274	9	28	roa	roa	PROPN
ajfa-10274	9	29	.	.	PUNCT
ajfa-10274	10	1	keywords	keyword	NOUN
ajfa-10274	10	2	:	:	PUNCT
ajfa-10274	10	3	bank	bank	NOUN
ajfa-10274	10	4	profitability	profitability	NOUN
ajfa-10274	10	5	,	,	PUNCT
ajfa-10274	10	6	determinants	determinant	NOUN
ajfa-10274	10	7	,	,	PUNCT
ajfa-10274	10	8	return	return	VERB
ajfa-10274	10	9	on	on	ADP
ajfa-10274	10	10	assets	asset	NOUN
ajfa-10274	10	11	asian	asian	ADJ
ajfa-10274	10	12	journal	journal	NOUN
ajfa-10274	10	13	of	of	ADP
ajfa-10274	10	14	finance	finance	PROPN
ajfa-10274	10	15	&	&	CCONJ
ajfa-10274	10	16	accounting	accounting	PROPN
ajfa-10274	10	17	issn	issn	PROPN
ajfa-10274	10	18	1946	1946	NUM
ajfa-10274	10	19	-	-	PUNCT
ajfa-10274	10	20	052x	052x	PROPN
ajfa-10274	10	21	2016	2016	NUM
ajfa-10274	10	22	,	,	PUNCT
ajfa-10274	10	23	vol	vol	NOUN
ajfa-10274	10	24	.	.	PROPN
ajfa-10274	10	25	8	8	NUM
ajfa-10274	10	26	,	,	PUNCT
ajfa-10274	10	27	no	no	INTJ
ajfa-10274	10	28	.	.	NOUN
ajfa-10274	10	29	2	2	NUM
ajfa-10274	10	30	ajfa.macrothink.org	ajfa.macrothink.org	ADJ
ajfa-10274	10	31	195	195	NUM
ajfa-10274	10	32	1	1	NUM
ajfa-10274	10	33	.	.	PUNCT
ajfa-10274	11	1	introduction	introduction	NOUN
ajfa-10274	11	2	the	the	DET
ajfa-10274	11	3	objective	objective	NOUN
ajfa-10274	11	4	of	of	ADP
ajfa-10274	11	5	this	this	DET
ajfa-10274	11	6	study	study	NOUN
ajfa-10274	11	7	is	be	AUX
ajfa-10274	11	8	to	to	PART
ajfa-10274	11	9	investigate	investigate	VERB
ajfa-10274	11	10	the	the	DET
ajfa-10274	11	11	determinants	determinant	NOUN
ajfa-10274	11	12	banks	bank	NOUN
ajfa-10274	11	13	profitability	profitability	NOUN
ajfa-10274	11	14	for	for	ADP
ajfa-10274	11	15	the	the	DET
ajfa-10274	11	16	period	period	NOUN
ajfa-10274	11	17	of	of	ADP
ajfa-10274	11	18	2007	2007	NUM
ajfa-10274	11	19	-	-	SYM
ajfa-10274	11	20	2014	2014	NUM
ajfa-10274	11	21	.	.	PUNCT
ajfa-10274	12	1	today	today	NOUN
ajfa-10274	12	2	banks	bank	NOUN
ajfa-10274	12	3	have	have	VERB
ajfa-10274	12	4	a	a	DET
ajfa-10274	12	5	key	key	ADJ
ajfa-10274	12	6	role	role	NOUN
ajfa-10274	12	7	in	in	ADP
ajfa-10274	12	8	all	all	DET
ajfa-10274	12	9	countries	country	NOUN
ajfa-10274	12	10	and	and	CCONJ
ajfa-10274	12	11	their	their	PRON
ajfa-10274	12	12	policies	policy	NOUN
ajfa-10274	12	13	and	and	CCONJ
ajfa-10274	12	14	strategies	strategy	NOUN
ajfa-10274	12	15	affect	affect	VERB
ajfa-10274	12	16	economic	economic	ADJ
ajfa-10274	12	17	development	development	NOUN
ajfa-10274	12	18	unemployment	unemployment	NOUN
ajfa-10274	12	19	,	,	PUNCT
ajfa-10274	12	20	prices	price	NOUN
ajfa-10274	12	21	,	,	PUNCT
ajfa-10274	12	22	national	national	ADJ
ajfa-10274	12	23	income	income	NOUN
ajfa-10274	12	24	,	,	PUNCT
ajfa-10274	12	25	etc	etc	X
ajfa-10274	12	26	.	.	X
ajfa-10274	13	1	(	(	PUNCT
ajfa-10274	13	2	goodhart	goodhart	NOUN
ajfa-10274	13	3	,	,	PUNCT
ajfa-10274	13	4	2016	2016	NUM
ajfa-10274	13	5	)	)	PUNCT
ajfa-10274	13	6	.	.	PUNCT
ajfa-10274	14	1	several	several	ADJ
ajfa-10274	14	2	banking	banking	NOUN
ajfa-10274	14	3	empirical	empirical	ADJ
ajfa-10274	14	4	literature	literature	NOUN
ajfa-10274	14	5	provides	provide	VERB
ajfa-10274	14	6	evidence	evidence	NOUN
ajfa-10274	14	7	to	to	PART
ajfa-10274	14	8	back	back	VERB
ajfa-10274	14	9	the	the	DET
ajfa-10274	14	10	claim	claim	NOUN
ajfa-10274	14	11	that	that	SCONJ
ajfa-10274	14	12	banking	banking	NOUN
ajfa-10274	14	13	operations	operation	NOUN
ajfa-10274	14	14	is	be	AUX
ajfa-10274	14	15	predominantly	predominantly	ADV
ajfa-10274	14	16	fundamental	fundamental	ADJ
ajfa-10274	14	17	to	to	ADP
ajfa-10274	14	18	the	the	DET
ajfa-10274	14	19	economic	economic	ADJ
ajfa-10274	14	20	wellbeing	wellbeing	NOUN
ajfa-10274	14	21	of	of	ADP
ajfa-10274	14	22	most	most	ADJ
ajfa-10274	14	23	countries	country	NOUN
ajfa-10274	14	24	in	in	ADP
ajfa-10274	14	25	the	the	DET
ajfa-10274	14	26	world	world	NOUN
ajfa-10274	14	27	(	(	PUNCT
ajfa-10274	14	28	ayadi	ayadi	NOUN
ajfa-10274	14	29	et	et	PROPN
ajfa-10274	14	30	al	al	PROPN
ajfa-10274	14	31	.	.	PROPN
ajfa-10274	14	32	,	,	PUNCT
ajfa-10274	14	33	2015	2015	NUM
ajfa-10274	14	34	;	;	PUNCT
ajfa-10274	14	35	naceur	naceur	PROPN
ajfa-10274	14	36	&	&	CCONJ
ajfa-10274	14	37	ghazouani	ghazouani	PROPN
ajfa-10274	14	38	,	,	PUNCT
ajfa-10274	14	39	2007	2007	NUM
ajfa-10274	14	40	;	;	PUNCT
ajfa-10274	14	41	shahbaz	shahbaz	PROPN
ajfa-10274	14	42	&	&	CCONJ
ajfa-10274	14	43	lean	lean	ADJ
ajfa-10274	14	44	,	,	PUNCT
ajfa-10274	14	45	2012	2012	NUM
ajfa-10274	14	46	;	;	PUNCT
ajfa-10274	14	47	van	van	PROPN
ajfa-10274	14	48	nieuwerburgh	nieuwerburgh	PROPN
ajfa-10274	14	49	et	et	PROPN
ajfa-10274	14	50	al	al	PROPN
ajfa-10274	14	51	.	.	PROPN
ajfa-10274	14	52	,	,	PUNCT
ajfa-10274	14	53	2006	2006	NUM
ajfa-10274	14	54	)	)	PUNCT
ajfa-10274	14	55	.	.	PUNCT
ajfa-10274	15	1	haghighat	haghighat	PROPN
ajfa-10274	15	2	and	and	CCONJ
ajfa-10274	15	3	nasiri	nasiri	ADV
ajfa-10274	15	4	(	(	PUNCT
ajfa-10274	15	5	2004	2004	NUM
ajfa-10274	15	6	)	)	PUNCT
ajfa-10274	15	7	also	also	ADV
ajfa-10274	15	8	confirms	confirm	VERB
ajfa-10274	15	9	this	this	DET
ajfa-10274	15	10	claim	claim	NOUN
ajfa-10274	15	11	that	that	SCONJ
ajfa-10274	15	12	any	any	DET
ajfa-10274	15	13	activity	activity	NOUN
ajfa-10274	15	14	which	which	PRON
ajfa-10274	15	15	requires	require	VERB
ajfa-10274	15	16	investments	investment	NOUN
ajfa-10274	15	17	and	and	CCONJ
ajfa-10274	15	18	financial	financial	ADJ
ajfa-10274	15	19	resources	resource	NOUN
ajfa-10274	15	20	requires	require	VERB
ajfa-10274	15	21	the	the	DET
ajfa-10274	15	22	involvement	involvement	NOUN
ajfa-10274	15	23	of	of	ADP
ajfa-10274	15	24	banks	bank	NOUN
ajfa-10274	15	25	and	and	CCONJ
ajfa-10274	15	26	financial	financial	ADJ
ajfa-10274	15	27	institutions	institution	NOUN
ajfa-10274	15	28	.	.	PUNCT
ajfa-10274	16	1	one	one	NUM
ajfa-10274	16	2	important	important	ADJ
ajfa-10274	16	3	role	role	NOUN
ajfa-10274	16	4	which	which	PRON
ajfa-10274	16	5	both	both	PRON
ajfa-10274	16	6	bank	bank	NOUN
ajfa-10274	16	7	financial	financial	ADJ
ajfa-10274	16	8	institutions	institution	NOUN
ajfa-10274	16	9	and	and	CCONJ
ajfa-10274	16	10	non	non	ADJ
ajfa-10274	16	11	-	-	ADJ
ajfa-10274	16	12	bank	bank	ADJ
ajfa-10274	16	13	financial	financial	ADJ
ajfa-10274	16	14	institutions	institution	NOUN
ajfa-10274	16	15	plays	play	VERB
ajfa-10274	16	16	in	in	ADP
ajfa-10274	16	17	an	an	DET
ajfa-10274	16	18	economy	economy	NOUN
ajfa-10274	16	19	is	be	AUX
ajfa-10274	16	20	that	that	SCONJ
ajfa-10274	16	21	,	,	PUNCT
ajfa-10274	16	22	when	when	SCONJ
ajfa-10274	16	23	there	there	PRON
ajfa-10274	16	24	is	be	VERB
ajfa-10274	16	25	a	a	DET
ajfa-10274	16	26	support	support	NOUN
ajfa-10274	16	27	of	of	ADP
ajfa-10274	16	28	efficient	efficient	ADJ
ajfa-10274	16	29	money	money	NOUN
ajfa-10274	16	30	and	and	CCONJ
ajfa-10274	16	31	capital	capital	NOUN
ajfa-10274	16	32	markets	market	NOUN
ajfa-10274	16	33	in	in	ADP
ajfa-10274	16	34	the	the	DET
ajfa-10274	16	35	financial	financial	ADJ
ajfa-10274	16	36	system	system	NOUN
ajfa-10274	16	37	,	,	PUNCT
ajfa-10274	16	38	it	it	PRON
ajfa-10274	16	39	enhances	enhance	VERB
ajfa-10274	16	40	the	the	DET
ajfa-10274	16	41	overall	overall	ADJ
ajfa-10274	16	42	growth	growth	NOUN
ajfa-10274	16	43	of	of	ADP
ajfa-10274	16	44	the	the	DET
ajfa-10274	16	45	economy	economy	NOUN
ajfa-10274	16	46	(	(	PUNCT
ajfa-10274	16	47	lee	lee	PROPN
ajfa-10274	16	48	&	&	CCONJ
ajfa-10274	16	49	heshmati	heshmati	PROPN
ajfa-10274	16	50	,	,	PUNCT
ajfa-10274	16	51	2009	2009	NUM
ajfa-10274	16	52	)	)	PUNCT
ajfa-10274	16	53	.	.	PUNCT
ajfa-10274	17	1	traditionally	traditionally	ADV
ajfa-10274	17	2	,	,	PUNCT
ajfa-10274	17	3	the	the	DET
ajfa-10274	17	4	primary	primary	ADJ
ajfa-10274	17	5	role	role	NOUN
ajfa-10274	17	6	of	of	ADP
ajfa-10274	17	7	financial	financial	ADJ
ajfa-10274	17	8	institutions	institution	NOUN
ajfa-10274	17	9	is	be	AUX
ajfa-10274	17	10	to	to	PART
ajfa-10274	17	11	provide	provide	VERB
ajfa-10274	17	12	financial	financial	ADJ
ajfa-10274	17	13	intermediation	intermediation	NOUN
ajfa-10274	17	14	by	by	ADP
ajfa-10274	17	15	collecting	collect	VERB
ajfa-10274	17	16	and	and	CCONJ
ajfa-10274	17	17	mobilizing	mobilize	VERB
ajfa-10274	17	18	resources	resource	NOUN
ajfa-10274	17	19	to	to	PART
ajfa-10274	17	20	finance	finance	VERB
ajfa-10274	17	21	business	business	NOUN
ajfa-10274	17	22	and	and	CCONJ
ajfa-10274	17	23	development	development	NOUN
ajfa-10274	17	24	projects	project	NOUN
ajfa-10274	17	25	that	that	PRON
ajfa-10274	17	26	are	be	AUX
ajfa-10274	17	27	essential	essential	ADJ
ajfa-10274	17	28	for	for	ADP
ajfa-10274	17	29	economic	economic	ADJ
ajfa-10274	17	30	development	development	NOUN
ajfa-10274	17	31	(	(	PUNCT
ajfa-10274	17	32	nwaeze	nwaeze	PROPN
ajfa-10274	17	33	,	,	PUNCT
ajfa-10274	17	34	michael	michael	PROPN
ajfa-10274	17	35	&	&	CCONJ
ajfa-10274	17	36	nwabekee	nwabekee	PROPN
ajfa-10274	17	37	,	,	PUNCT
ajfa-10274	17	38	2014	2014	NUM
ajfa-10274	17	39	)	)	PUNCT
ajfa-10274	17	40	.	.	PUNCT
ajfa-10274	18	1	an	an	DET
ajfa-10274	18	2	efficient	efficient	ADJ
ajfa-10274	18	3	financial	financial	ADJ
ajfa-10274	18	4	system	system	NOUN
ajfa-10274	18	5	is	be	AUX
ajfa-10274	18	6	an	an	DET
ajfa-10274	18	7	important	important	ADJ
ajfa-10274	18	8	factor	factor	NOUN
ajfa-10274	18	9	for	for	ADP
ajfa-10274	18	10	the	the	DET
ajfa-10274	18	11	efficient	efficient	ADJ
ajfa-10274	18	12	financial	financial	ADJ
ajfa-10274	18	13	intermediation	intermediation	NOUN
ajfa-10274	18	14	which	which	PRON
ajfa-10274	18	15	leads	lead	VERB
ajfa-10274	18	16	to	to	ADP
ajfa-10274	18	17	sustainable	sustainable	ADJ
ajfa-10274	18	18	private	private	ADJ
ajfa-10274	18	19	sector	sector	NOUN
ajfa-10274	18	20	investment	investment	NOUN
ajfa-10274	18	21	and	and	CCONJ
ajfa-10274	18	22	the	the	DET
ajfa-10274	18	23	promotion	promotion	NOUN
ajfa-10274	18	24	of	of	ADP
ajfa-10274	18	25	entrepreneurship	entrepreneurship	NOUN
ajfa-10274	18	26	(	(	PUNCT
ajfa-10274	18	27	yaron	yaron	PROPN
ajfa-10274	18	28	et	et	PROPN
ajfa-10274	18	29	.	.	PROPN
ajfa-10274	18	30	,	,	PUNCT
ajfa-10274	18	31	1998	1998	NUM
ajfa-10274	18	32	)	)	PUNCT
ajfa-10274	18	33	.	.	PUNCT
ajfa-10274	19	1	as	as	SCONJ
ajfa-10274	19	2	such	such	ADJ
ajfa-10274	19	3	,	,	PUNCT
ajfa-10274	19	4	an	an	DET
ajfa-10274	19	5	understanding	understanding	NOUN
ajfa-10274	19	6	of	of	ADP
ajfa-10274	19	7	the	the	DET
ajfa-10274	19	8	determinants	determinant	NOUN
ajfa-10274	19	9	of	of	ADP
ajfa-10274	19	10	the	the	DET
ajfa-10274	19	11	profitability	profitability	NOUN
ajfa-10274	19	12	of	of	ADP
ajfa-10274	19	13	financial	financial	ADJ
ajfa-10274	19	14	institutions	institution	NOUN
ajfa-10274	19	15	such	such	ADJ
ajfa-10274	19	16	as	as	ADP
ajfa-10274	19	17	the	the	DET
ajfa-10274	19	18	banks	bank	NOUN
ajfa-10274	19	19	is	be	AUX
ajfa-10274	19	20	essential	essential	ADJ
ajfa-10274	19	21	and	and	CCONJ
ajfa-10274	19	22	crucial	crucial	ADJ
ajfa-10274	19	23	to	to	ADP
ajfa-10274	19	24	the	the	DET
ajfa-10274	19	25	stability	stability	NOUN
ajfa-10274	19	26	of	of	ADP
ajfa-10274	19	27	the	the	DET
ajfa-10274	19	28	economy	economy	NOUN
ajfa-10274	19	29	.	.	PUNCT
ajfa-10274	20	1	lartey	lartey	PROPN
ajfa-10274	20	2	et	et	PROPN
ajfa-10274	20	3	al	al	PROPN
ajfa-10274	20	4	.	.	PROPN
ajfa-10274	20	5	,	,	PUNCT
ajfa-10274	20	6	(	(	PUNCT
ajfa-10274	20	7	2013	2013	NUM
ajfa-10274	20	8	)	)	PUNCT
ajfa-10274	20	9	defines	define	VERB
ajfa-10274	20	10	bank	bank	NOUN
ajfa-10274	20	11	profitability	profitability	NOUN
ajfa-10274	20	12	as	as	ADP
ajfa-10274	20	13	the	the	DET
ajfa-10274	20	14	ability	ability	NOUN
ajfa-10274	20	15	of	of	ADP
ajfa-10274	20	16	a	a	DET
ajfa-10274	20	17	bank	bank	NOUN
ajfa-10274	20	18	to	to	PART
ajfa-10274	20	19	generate	generate	VERB
ajfa-10274	20	20	revenue	revenue	NOUN
ajfa-10274	20	21	in	in	ADP
ajfa-10274	20	22	excess	excess	NOUN
ajfa-10274	20	23	of	of	ADP
ajfa-10274	20	24	cost	cost	NOUN
ajfa-10274	20	25	,	,	PUNCT
ajfa-10274	20	26	in	in	ADP
ajfa-10274	20	27	relation	relation	NOUN
ajfa-10274	20	28	to	to	ADP
ajfa-10274	20	29	the	the	DET
ajfa-10274	20	30	bank	bank	NOUN
ajfa-10274	20	31	’s	’s	PART
ajfa-10274	20	32	capital	capital	NOUN
ajfa-10274	20	33	base	base	NOUN
ajfa-10274	20	34	.	.	PUNCT
ajfa-10274	21	1	in	in	ADP
ajfa-10274	21	2	this	this	DET
ajfa-10274	21	3	study	study	NOUN
ajfa-10274	21	4	,	,	PUNCT
ajfa-10274	21	5	an	an	DET
ajfa-10274	21	6	attempt	attempt	NOUN
ajfa-10274	21	7	is	be	AUX
ajfa-10274	21	8	made	make	VERB
ajfa-10274	21	9	to	to	PART
ajfa-10274	21	10	investigate	investigate	VERB
ajfa-10274	21	11	some	some	DET
ajfa-10274	21	12	key	key	ADJ
ajfa-10274	21	13	determinants	determinant	NOUN
ajfa-10274	21	14	of	of	ADP
ajfa-10274	21	15	profitability	profitability	NOUN
ajfa-10274	21	16	and	and	CCONJ
ajfa-10274	21	17	the	the	DET
ajfa-10274	21	18	extent	extent	NOUN
ajfa-10274	21	19	to	to	PART
ajfa-10274	21	20	which	which	PRON
ajfa-10274	21	21	they	they	PRON
ajfa-10274	21	22	impact	impact	VERB
ajfa-10274	21	23	on	on	ADP
ajfa-10274	21	24	profitability	profitability	NOUN
ajfa-10274	21	25	of	of	ADP
ajfa-10274	21	26	banks	bank	NOUN
ajfa-10274	21	27	.	.	PUNCT
ajfa-10274	22	1	the	the	DET
ajfa-10274	22	2	analysis	analysis	NOUN
ajfa-10274	22	3	will	will	AUX
ajfa-10274	22	4	adopt	adopt	VERB
ajfa-10274	22	5	a	a	DET
ajfa-10274	22	6	fixed	fix	VERB
ajfa-10274	22	7	and	and	CCONJ
ajfa-10274	22	8	random	random	ADJ
ajfa-10274	22	9	effect	effect	NOUN
ajfa-10274	22	10	model	model	NOUN
ajfa-10274	22	11	with	with	ADP
ajfa-10274	22	12	data	datum	NOUN
ajfa-10274	22	13	pooled	pool	VERB
ajfa-10274	22	14	from	from	ADP
ajfa-10274	22	15	annual	annual	ADJ
ajfa-10274	22	16	financial	financial	ADJ
ajfa-10274	22	17	statements	statement	NOUN
ajfa-10274	22	18	of	of	ADP
ajfa-10274	22	19	21	21	NUM
ajfa-10274	22	20	banks	bank	NOUN
ajfa-10274	22	21	over	over	ADP
ajfa-10274	22	22	the	the	DET
ajfa-10274	22	23	period	period	NOUN
ajfa-10274	22	24	2007-2014.the	2007-2014.the	DET
ajfa-10274	22	25	rest	rest	NOUN
ajfa-10274	22	26	of	of	ADP
ajfa-10274	22	27	the	the	DET
ajfa-10274	22	28	paper	paper	NOUN
ajfa-10274	22	29	is	be	AUX
ajfa-10274	22	30	organized	organize	VERB
ajfa-10274	22	31	as	as	SCONJ
ajfa-10274	22	32	follows	follow	VERB
ajfa-10274	22	33	;	;	PUNCT
ajfa-10274	22	34	the	the	DET
ajfa-10274	22	35	next	next	ADJ
ajfa-10274	22	36	section	section	NOUN
ajfa-10274	22	37	describes	describe	VERB
ajfa-10274	22	38	the	the	DET
ajfa-10274	22	39	data	datum	NOUN
ajfa-10274	22	40	and	and	CCONJ
ajfa-10274	22	41	the	the	DET
ajfa-10274	22	42	econometric	econometric	ADJ
ajfa-10274	22	43	methodology	methodology	NOUN
ajfa-10274	22	44	,	,	PUNCT
ajfa-10274	22	45	followed	follow	VERB
ajfa-10274	22	46	by	by	ADP
ajfa-10274	22	47	presentation	presentation	NOUN
ajfa-10274	22	48	of	of	ADP
ajfa-10274	22	49	analyses	analysis	NOUN
ajfa-10274	22	50	and	and	CCONJ
ajfa-10274	22	51	the	the	DET
ajfa-10274	22	52	empirical	empirical	ADJ
ajfa-10274	22	53	results	result	NOUN
ajfa-10274	22	54	.	.	PUNCT
ajfa-10274	23	1	the	the	DET
ajfa-10274	23	2	last	last	ADJ
ajfa-10274	23	3	section	section	NOUN
ajfa-10274	23	4	concludes	conclude	VERB
ajfa-10274	23	5	and	and	CCONJ
ajfa-10274	23	6	offers	offer	VERB
ajfa-10274	23	7	some	some	DET
ajfa-10274	23	8	policy	policy	NOUN
ajfa-10274	23	9	recommendations	recommendation	NOUN
ajfa-10274	23	10	.	.	PUNCT
ajfa-10274	24	1	2	2	X
ajfa-10274	24	2	.	.	X
ajfa-10274	24	3	data	datum	NOUN
ajfa-10274	24	4	and	and	CCONJ
ajfa-10274	24	5	methodology	methodology	NOUN
ajfa-10274	24	6	this	this	DET
ajfa-10274	24	7	study	study	NOUN
ajfa-10274	24	8	used	use	VERB
ajfa-10274	24	9	a	a	DET
ajfa-10274	24	10	strongly	strongly	ADV
ajfa-10274	24	11	balanced	balanced	ADJ
ajfa-10274	24	12	panel	panel	NOUN
ajfa-10274	24	13	of	of	ADP
ajfa-10274	24	14	21	21	NUM
ajfa-10274	24	15	banks	bank	NOUN
ajfa-10274	24	16	operating	operate	VERB
ajfa-10274	24	17	in	in	ADP
ajfa-10274	24	18	the	the	DET
ajfa-10274	24	19	ghanaian	ghanaian	ADJ
ajfa-10274	24	20	banking	banking	NOUN
ajfa-10274	24	21	industry	industry	NOUN
ajfa-10274	24	22	.	.	PUNCT
ajfa-10274	25	1	the	the	DET
ajfa-10274	25	2	21	21	NUM
ajfa-10274	25	3	banks	bank	NOUN
ajfa-10274	25	4	consist	consist	VERB
ajfa-10274	25	5	of	of	ADP
ajfa-10274	25	6	9	9	NUM
ajfa-10274	25	7	local	local	ADJ
ajfa-10274	25	8	banks	bank	NOUN
ajfa-10274	25	9	and	and	CCONJ
ajfa-10274	25	10	12	12	NUM
ajfa-10274	25	11	foreign	foreign	ADJ
ajfa-10274	25	12	banks	bank	NOUN
ajfa-10274	25	13	.	.	PUNCT
ajfa-10274	26	1	we	we	PRON
ajfa-10274	26	2	use	use	VERB
ajfa-10274	26	3	the	the	DET
ajfa-10274	26	4	bank	bank	NOUN
ajfa-10274	26	5	’s	’s	PART
ajfa-10274	26	6	annual	annual	ADJ
ajfa-10274	26	7	and	and	CCONJ
ajfa-10274	26	8	macroeconomics	macroeconomic	NOUN
ajfa-10274	26	9	data	datum	NOUN
ajfa-10274	26	10	in	in	ADP
ajfa-10274	26	11	ghana	ghana	PROPN
ajfa-10274	26	12	for	for	ADP
ajfa-10274	26	13	an	an	DET
ajfa-10274	26	14	8	8	NUM
ajfa-10274	26	15	year	year	NOUN
ajfa-10274	26	16	period	period	NOUN
ajfa-10274	26	17	of	of	ADP
ajfa-10274	26	18	2007	2007	NUM
ajfa-10274	26	19	–	–	PUNCT
ajfa-10274	26	20	2014	2014	NUM
ajfa-10274	26	21	yielding	yield	VERB
ajfa-10274	26	22	a	a	DET
ajfa-10274	26	23	total	total	NOUN
ajfa-10274	26	24	of	of	ADP
ajfa-10274	26	25	127	127	NUM
ajfa-10274	26	26	year	year	NOUN
ajfa-10274	26	27	bank	bank	NOUN
ajfa-10274	26	28	observations	observation	NOUN
ajfa-10274	26	29	.	.	PUNCT
ajfa-10274	27	1	the	the	DET
ajfa-10274	27	2	bank	bank	NOUN
ajfa-10274	27	3	’s	’s	PART
ajfa-10274	27	4	annual	annual	ADJ
ajfa-10274	27	5	data	datum	NOUN
ajfa-10274	27	6	was	be	AUX
ajfa-10274	27	7	obtained	obtain	VERB
ajfa-10274	27	8	from	from	ADP
ajfa-10274	27	9	their	their	PRON
ajfa-10274	27	10	annual	annual	ADJ
ajfa-10274	27	11	income	income	NOUN
ajfa-10274	27	12	statements	statement	NOUN
ajfa-10274	27	13	and	and	CCONJ
ajfa-10274	27	14	balance	balance	NOUN
ajfa-10274	27	15	sheets	sheet	NOUN
ajfa-10274	27	16	as	as	ADV
ajfa-10274	27	17	well	well	ADV
ajfa-10274	27	18	as	as	ADP
ajfa-10274	27	19	ratios	ratio	NOUN
ajfa-10274	27	20	from	from	ADP
ajfa-10274	27	21	the	the	DET
ajfa-10274	27	22	ghana	ghana	PROPN
ajfa-10274	27	23	banking	banking	NOUN
ajfa-10274	27	24	survey	survey	NOUN
ajfa-10274	27	25	which	which	PRON
ajfa-10274	27	26	is	be	AUX
ajfa-10274	27	27	published	publish	VERB
ajfa-10274	27	28	annually	annually	ADV
ajfa-10274	27	29	by	by	ADP
ajfa-10274	27	30	pricewaterhousecoopers	pricewaterhousecooper	NOUN
ajfa-10274	27	31	(	(	PUNCT
ajfa-10274	27	32	pwc	pwc	PROPN
ajfa-10274	27	33	)	)	PUNCT
ajfa-10274	27	34	ghana	ghana	PROPN
ajfa-10274	27	35	while	while	SCONJ
ajfa-10274	27	36	the	the	DET
ajfa-10274	27	37	macroeconomics	macroeconomic	NOUN
ajfa-10274	27	38	data	datum	NOUN
ajfa-10274	27	39	was	be	AUX
ajfa-10274	27	40	obtained	obtain	VERB
ajfa-10274	27	41	from	from	ADP
ajfa-10274	27	42	the	the	DET
ajfa-10274	27	43	world	world	NOUN
ajfa-10274	27	44	bank	bank	NOUN
ajfa-10274	27	45	database	database	NOUN
ajfa-10274	27	46	and	and	CCONJ
ajfa-10274	27	47	the	the	DET
ajfa-10274	27	48	bank	bank	NOUN
ajfa-10274	27	49	of	of	ADP
ajfa-10274	27	50	ghana	ghana	PROPN
ajfa-10274	27	51	database	database	PROPN
ajfa-10274	27	52	.	.	PUNCT
ajfa-10274	28	1	for	for	ADP
ajfa-10274	28	2	estimation	estimation	NOUN
ajfa-10274	28	3	purposes	purpose	NOUN
ajfa-10274	28	4	,	,	PUNCT
ajfa-10274	28	5	we	we	PRON
ajfa-10274	28	6	propose	propose	VERB
ajfa-10274	28	7	the	the	DET
ajfa-10274	28	8	following	follow	VERB
ajfa-10274	28	9	general	general	ADJ
ajfa-10274	28	10	linear	linear	PROPN
ajfa-10274	28	11	model	model	NOUN
ajfa-10274	28	12	:	:	PUNCT
ajfa-10274	29	1	=	=	NOUN
ajfa-10274	29	2	+	+	PUNCT
ajfa-10274	29	3	∑	∑	PUNCT
ajfa-10274	29	4	+	+	SYM
ajfa-10274	29	5	+	+	CCONJ
ajfa-10274	29	6	(	(	PUNCT
ajfa-10274	29	7	1	1	X
ajfa-10274	29	8	)	)	PUNCT
ajfa-10274	29	9	asian	asian	ADJ
ajfa-10274	29	10	journal	journal	NOUN
ajfa-10274	29	11	of	of	ADP
ajfa-10274	29	12	finance	finance	PROPN
ajfa-10274	29	13	&	&	CCONJ
ajfa-10274	29	14	accounting	accounting	PROPN
ajfa-10274	29	15	issn	issn	PROPN
ajfa-10274	29	16	1946	1946	NUM
ajfa-10274	29	17	-	-	PUNCT
ajfa-10274	29	18	052x	052x	PROPN
ajfa-10274	29	19	2016	2016	NUM
ajfa-10274	29	20	,	,	PUNCT
ajfa-10274	29	21	vol	vol	NOUN
ajfa-10274	29	22	.	.	PROPN
ajfa-10274	29	23	8	8	NUM
ajfa-10274	29	24	,	,	PUNCT
ajfa-10274	29	25	no	no	INTJ
ajfa-10274	29	26	.	.	NOUN
ajfa-10274	29	27	2	2	NUM
ajfa-10274	29	28	ajfa.macrothink.org	ajfa.macrothink.org	NOUN
ajfa-10274	29	29	196	196	NUM
ajfa-10274	29	30	where	where	SCONJ
ajfa-10274	29	31	is	be	AUX
ajfa-10274	29	32	the	the	DET
ajfa-10274	29	33	return	return	NOUN
ajfa-10274	29	34	on	on	ADP
ajfa-10274	29	35	assets	asset	NOUN
ajfa-10274	29	36	of	of	ADP
ajfa-10274	29	37	bank	bank	NOUN
ajfa-10274	29	38	at	at	ADP
ajfa-10274	29	39	time	time	NOUN
ajfa-10274	29	40	;	;	PUNCT
ajfa-10274	29	41	is	be	AUX
ajfa-10274	29	42	the	the	DET
ajfa-10274	29	43	regression	regression	NOUN
ajfa-10274	29	44	constant	constant	ADJ
ajfa-10274	29	45	;	;	PUNCT
ajfa-10274	29	46	denote	denote	VERB
ajfa-10274	29	47	the	the	DET
ajfa-10274	29	48	denote	denote	NOUN
ajfa-10274	29	49	vectors	vector	NOUN
ajfa-10274	29	50	of	of	ADP
ajfa-10274	29	51	bank	bank	NOUN
ajfa-10274	29	52	-	-	PUNCT
ajfa-10274	29	53	specific	specific	NOUN
ajfa-10274	29	54	and	and	CCONJ
ajfa-10274	29	55	the	the	DET
ajfa-10274	29	56	macroeconomic	macroeconomic	ADJ
ajfa-10274	29	57	determinants	determinant	NOUN
ajfa-10274	29	58	;	;	PUNCT
ajfa-10274	29	59	is	be	AUX
ajfa-10274	29	60	the	the	DET
ajfa-10274	29	61	unobserved	unobserved	ADJ
ajfa-10274	29	62	bank	bank	NOUN
ajfa-10274	29	63	-	-	PUNCT
ajfa-10274	29	64	specific	specific	ADJ
ajfa-10274	29	65	effect	effect	NOUN
ajfa-10274	29	66	,	,	PUNCT
ajfa-10274	29	67	and	and	CCONJ
ajfa-10274	29	68	is	be	AUX
ajfa-10274	29	69	the	the	DET
ajfa-10274	29	70	error	error	NOUN
ajfa-10274	29	71	term	term	NOUN
ajfa-10274	29	72	.	.	PUNCT
ajfa-10274	30	1	dependent	dependent	ADJ
ajfa-10274	30	2	variable	variable	NOUN
ajfa-10274	30	3	we	we	PRON
ajfa-10274	30	4	carried	carry	VERB
ajfa-10274	30	5	out	out	ADP
ajfa-10274	30	6	an	an	DET
ajfa-10274	30	7	empirical	empirical	ADJ
ajfa-10274	30	8	analyse	analyse	NOUN
ajfa-10274	30	9	to	to	PART
ajfa-10274	30	10	test	test	VERB
ajfa-10274	30	11	the	the	DET
ajfa-10274	30	12	relationship	relationship	NOUN
ajfa-10274	30	13	that	that	PRON
ajfa-10274	30	14	exist	exist	VERB
ajfa-10274	30	15	between	between	ADP
ajfa-10274	30	16	dependent	dependent	ADJ
ajfa-10274	30	17	and	and	CCONJ
ajfa-10274	30	18	the	the	DET
ajfa-10274	30	19	independent	independent	ADJ
ajfa-10274	30	20	variables	variable	NOUN
ajfa-10274	30	21	.	.	PUNCT
ajfa-10274	31	1	the	the	DET
ajfa-10274	31	2	dependent	dependent	ADJ
ajfa-10274	31	3	variable	variable	NOUN
ajfa-10274	31	4	used	use	VERB
ajfa-10274	31	5	in	in	ADP
ajfa-10274	31	6	this	this	DET
ajfa-10274	31	7	study	study	NOUN
ajfa-10274	31	8	is	be	AUX
ajfa-10274	31	9	the	the	DET
ajfa-10274	31	10	return	return	NOUN
ajfa-10274	31	11	on	on	ADP
ajfa-10274	31	12	asset	asset	NOUN
ajfa-10274	31	13	(	(	PUNCT
ajfa-10274	31	14	roa	roa	PROPN
ajfa-10274	31	15	)	)	PUNCT
ajfa-10274	31	16	and	and	CCONJ
ajfa-10274	31	17	is	be	AUX
ajfa-10274	31	18	the	the	DET
ajfa-10274	31	19	proxy	proxy	NOUN
ajfa-10274	31	20	for	for	ADP
ajfa-10274	31	21	measuring	measure	VERB
ajfa-10274	31	22	the	the	DET
ajfa-10274	31	23	bank	bank	NOUN
ajfa-10274	31	24	’s	’s	PART
ajfa-10274	31	25	profitability	profitability	NOUN
ajfa-10274	31	26	.	.	PUNCT
ajfa-10274	32	1	according	accord	VERB
ajfa-10274	32	2	to	to	ADP
ajfa-10274	32	3	obamuyi	obamuyi	NOUN
ajfa-10274	32	4	(	(	PUNCT
ajfa-10274	32	5	2013	2013	NUM
ajfa-10274	32	6	)	)	PUNCT
ajfa-10274	32	7	,	,	PUNCT
ajfa-10274	32	8	the	the	DET
ajfa-10274	32	9	return	return	NOUN
ajfa-10274	32	10	on	on	ADP
ajfa-10274	32	11	assets	asset	NOUN
ajfa-10274	32	12	(	(	PUNCT
ajfa-10274	32	13	roa	roa	NOUN
ajfa-10274	32	14	)	)	PUNCT
ajfa-10274	32	15	is	be	AUX
ajfa-10274	32	16	a	a	DET
ajfa-10274	32	17	financial	financial	ADJ
ajfa-10274	32	18	ratio	ratio	NOUN
ajfa-10274	32	19	used	use	VERB
ajfa-10274	32	20	to	to	PART
ajfa-10274	32	21	measure	measure	VERB
ajfa-10274	32	22	the	the	DET
ajfa-10274	32	23	relationship	relationship	NOUN
ajfa-10274	32	24	of	of	ADP
ajfa-10274	32	25	earnings	earning	NOUN
ajfa-10274	32	26	to	to	ADP
ajfa-10274	32	27	total	total	ADJ
ajfa-10274	32	28	assets	asset	NOUN
ajfa-10274	32	29	.	.	PUNCT
ajfa-10274	33	1	the	the	DET
ajfa-10274	33	2	roa	roa	NOUN
ajfa-10274	33	3	is	be	AUX
ajfa-10274	33	4	preferred	prefer	VERB
ajfa-10274	33	5	to	to	ADP
ajfa-10274	33	6	the	the	DET
ajfa-10274	33	7	use	use	NOUN
ajfa-10274	33	8	of	of	ADP
ajfa-10274	33	9	return	return	NOUN
ajfa-10274	33	10	on	on	ADP
ajfa-10274	33	11	equity	equity	NOUN
ajfa-10274	33	12	(	(	PUNCT
ajfa-10274	33	13	roe	roe	PROPN
ajfa-10274	33	14	)	)	PUNCT
ajfa-10274	33	15	or	or	CCONJ
ajfa-10274	33	16	net	net	ADJ
ajfa-10274	33	17	interest	interest	NOUN
ajfa-10274	33	18	margin	margin	NOUN
ajfa-10274	33	19	because	because	SCONJ
ajfa-10274	33	20	it	it	PRON
ajfa-10274	33	21	assesses	assess	VERB
ajfa-10274	33	22	how	how	SCONJ
ajfa-10274	33	23	efficiently	efficiently	ADV
ajfa-10274	33	24	the	the	DET
ajfa-10274	33	25	banks	bank	NOUN
ajfa-10274	33	26	manages	manage	VERB
ajfa-10274	33	27	its	its	PRON
ajfa-10274	33	28	revenues	revenue	NOUN
ajfa-10274	33	29	and	and	CCONJ
ajfa-10274	33	30	expenses	expense	NOUN
ajfa-10274	33	31	from	from	ADP
ajfa-10274	33	32	operations	operation	NOUN
ajfa-10274	33	33	,	,	PUNCT
ajfa-10274	33	34	and	and	CCONJ
ajfa-10274	33	35	also	also	ADV
ajfa-10274	33	36	reflects	reflect	VERB
ajfa-10274	33	37	the	the	DET
ajfa-10274	33	38	ability	ability	NOUN
ajfa-10274	33	39	of	of	ADP
ajfa-10274	33	40	the	the	DET
ajfa-10274	33	41	management	management	NOUN
ajfa-10274	33	42	to	to	PART
ajfa-10274	33	43	generate	generate	VERB
ajfa-10274	33	44	profits	profit	NOUN
ajfa-10274	33	45	by	by	ADP
ajfa-10274	33	46	using	use	VERB
ajfa-10274	33	47	the	the	DET
ajfa-10274	33	48	available	available	ADJ
ajfa-10274	33	49	financial	financial	ADJ
ajfa-10274	33	50	and	and	CCONJ
ajfa-10274	33	51	real	real	ADJ
ajfa-10274	33	52	assets	asset	NOUN
ajfa-10274	33	53	(	(	PUNCT
ajfa-10274	33	54	obamuyi	obamuyi	NOUN
ajfa-10274	33	55	,	,	PUNCT
ajfa-10274	33	56	2013	2013	NUM
ajfa-10274	33	57	;	;	PUNCT
ajfa-10274	33	58	jahan	jahan	PROPN
ajfa-10274	33	59	,	,	PUNCT
ajfa-10274	33	60	2012	2012	NUM
ajfa-10274	33	61	)	)	PUNCT
ajfa-10274	33	62	.	.	PUNCT
ajfa-10274	34	1	also	also	ADV
ajfa-10274	34	2	the	the	DET
ajfa-10274	34	3	roa	roa	NOUN
ajfa-10274	34	4	as	as	ADP
ajfa-10274	34	5	a	a	DET
ajfa-10274	34	6	measurement	measurement	NOUN
ajfa-10274	34	7	for	for	ADP
ajfa-10274	34	8	bank	bank	NOUN
ajfa-10274	34	9	profitability	profitability	NOUN
ajfa-10274	34	10	shows	show	VERB
ajfa-10274	34	11	bank	bank	NOUN
ajfa-10274	34	12	management	management	NOUN
ajfa-10274	34	13	’s	’s	PART
ajfa-10274	34	14	efficiency	efficiency	NOUN
ajfa-10274	34	15	in	in	ADP
ajfa-10274	34	16	managing	manage	VERB
ajfa-10274	34	17	its	its	PRON
ajfa-10274	34	18	capitals	capital	NOUN
ajfa-10274	34	19	to	to	PART
ajfa-10274	34	20	acquire	acquire	VERB
ajfa-10274	34	21	assets	asset	NOUN
ajfa-10274	34	22	and	and	CCONJ
ajfa-10274	34	23	make	make	VERB
ajfa-10274	34	24	earnings	earning	NOUN
ajfa-10274	34	25	from	from	ADP
ajfa-10274	34	26	it	it	PRON
ajfa-10274	34	27	(	(	PUNCT
ajfa-10274	34	28	jamal	jamal	PROPN
ajfa-10274	34	29	&	&	CCONJ
ajfa-10274	34	30	karim	karim	PROPN
ajfa-10274	34	31	,	,	PUNCT
ajfa-10274	34	32	2012	2012	NUM
ajfa-10274	34	33	)	)	PUNCT
ajfa-10274	34	34	.	.	PUNCT
ajfa-10274	35	1	other	other	ADJ
ajfa-10274	35	2	authors	author	NOUN
ajfa-10274	35	3	who	who	PRON
ajfa-10274	35	4	have	have	AUX
ajfa-10274	35	5	used	use	VERB
ajfa-10274	35	6	the	the	DET
ajfa-10274	35	7	roa	roa	NOUN
ajfa-10274	35	8	as	as	ADP
ajfa-10274	35	9	a	a	DET
ajfa-10274	35	10	measure	measure	NOUN
ajfa-10274	35	11	of	of	ADP
ajfa-10274	35	12	profitability	profitability	NOUN
ajfa-10274	35	13	in	in	ADP
ajfa-10274	35	14	several	several	ADJ
ajfa-10274	35	15	disciplines	discipline	NOUN
ajfa-10274	35	16	include	include	VERB
ajfa-10274	35	17	babalola	babalola	PROPN
ajfa-10274	35	18	(	(	PUNCT
ajfa-10274	35	19	2012	2012	NUM
ajfa-10274	35	20	)	)	PUNCT
ajfa-10274	35	21	flamini	flamini	PROPN
ajfa-10274	35	22	et	et	PROPN
ajfa-10274	35	23	al	al	PROPN
ajfa-10274	35	24	.	.	PROPN
ajfa-10274	35	25	,	,	PUNCT
ajfa-10274	35	26	(	(	PUNCT
ajfa-10274	35	27	2009	2009	NUM
ajfa-10274	35	28	)	)	PUNCT
ajfa-10274	35	29	;	;	PUNCT
ajfa-10274	35	30	oladele	oladele	PROPN
ajfa-10274	35	31	et	et	PROPN
ajfa-10274	35	32	al	al	PROPN
ajfa-10274	35	33	.	.	PROPN
ajfa-10274	35	34	,	,	PUNCT
ajfa-10274	35	35	(	(	PUNCT
ajfa-10274	35	36	2012	2012	NUM
ajfa-10274	35	37	)	)	PUNCT
ajfa-10274	35	38	;	;	PUNCT
ajfa-10274	35	39	arias	aria	NOUN
ajfa-10274	35	40	(	(	PUNCT
ajfa-10274	35	41	2011	2011	NUM
ajfa-10274	35	42	)	)	PUNCT
ajfa-10274	35	43	.	.	PUNCT
ajfa-10274	36	1	explanatory	explanatory	ADJ
ajfa-10274	36	2	variables	variable	VERB
ajfa-10274	36	3	two	two	NUM
ajfa-10274	36	4	categories	category	NOUN
ajfa-10274	36	5	of	of	ADP
ajfa-10274	36	6	explanatory	explanatory	ADJ
ajfa-10274	36	7	variables	variable	NOUN
ajfa-10274	36	8	(	(	PUNCT
ajfa-10274	36	9	bank	bank	NOUN
ajfa-10274	36	10	-	-	PUNCT
ajfa-10274	36	11	specific	specific	ADJ
ajfa-10274	36	12	variables	variable	NOUN
ajfa-10274	36	13	and	and	CCONJ
ajfa-10274	36	14	macro	macro	ADJ
ajfa-10274	36	15	-	-	ADJ
ajfa-10274	36	16	economic	economic	ADJ
ajfa-10274	36	17	variables	variable	NOUN
ajfa-10274	36	18	)	)	PUNCT
ajfa-10274	36	19	were	be	AUX
ajfa-10274	36	20	used	use	VERB
ajfa-10274	36	21	to	to	PART
ajfa-10274	36	22	determine	determine	VERB
ajfa-10274	36	23	the	the	DET
ajfa-10274	36	24	bank	bank	NOUN
ajfa-10274	36	25	profitability	profitability	NOUN
ajfa-10274	36	26	in	in	ADP
ajfa-10274	36	27	the	the	DET
ajfa-10274	36	28	ghanaian	ghanaian	ADJ
ajfa-10274	36	29	banking	banking	NOUN
ajfa-10274	36	30	industry	industry	NOUN
ajfa-10274	36	31	.	.	PUNCT
ajfa-10274	37	1	bank	bank	NOUN
ajfa-10274	37	2	-	-	PUNCT
ajfa-10274	37	3	specific	specific	ADJ
ajfa-10274	37	4	determinants	determinant	NOUN
ajfa-10274	37	5	basically	basically	ADV
ajfa-10274	37	6	the	the	DET
ajfa-10274	37	7	bank	bank	NOUN
ajfa-10274	37	8	specific	specific	ADJ
ajfa-10274	37	9	determinants	determinant	NOUN
ajfa-10274	37	10	are	be	AUX
ajfa-10274	37	11	the	the	DET
ajfa-10274	37	12	internal	internal	ADJ
ajfa-10274	37	13	factors	factor	NOUN
ajfa-10274	37	14	that	that	PRON
ajfa-10274	37	15	are	be	AUX
ajfa-10274	37	16	used	use	VERB
ajfa-10274	37	17	to	to	PART
ajfa-10274	37	18	measure	measure	VERB
ajfa-10274	37	19	the	the	DET
ajfa-10274	37	20	profitability	profitability	NOUN
ajfa-10274	37	21	of	of	ADP
ajfa-10274	37	22	banks	bank	NOUN
ajfa-10274	37	23	.	.	PUNCT
ajfa-10274	38	1	the	the	DET
ajfa-10274	38	2	following	follow	VERB
ajfa-10274	38	3	bank	bank	NOUN
ajfa-10274	38	4	-	-	PUNCT
ajfa-10274	38	5	specific	specific	ADJ
ajfa-10274	38	6	determinants	determinant	NOUN
ajfa-10274	38	7	were	be	AUX
ajfa-10274	38	8	considered	consider	VERB
ajfa-10274	38	9	for	for	ADP
ajfa-10274	38	10	the	the	DET
ajfa-10274	38	11	purpose	purpose	NOUN
ajfa-10274	38	12	of	of	ADP
ajfa-10274	38	13	this	this	DET
ajfa-10274	38	14	paper	paper	NOUN
ajfa-10274	38	15	:	:	PUNCT
ajfa-10274	38	16	•	•	NUM
ajfa-10274	38	17	asset	asset	NOUN
ajfa-10274	38	18	size	size	NOUN
ajfa-10274	38	19	:	:	PUNCT
ajfa-10274	38	20	most	most	ADJ
ajfa-10274	38	21	literature	literature	NOUN
ajfa-10274	38	22	have	have	AUX
ajfa-10274	38	23	considered	consider	VERB
ajfa-10274	38	24	total	total	ADJ
ajfa-10274	38	25	assets	asset	NOUN
ajfa-10274	38	26	of	of	ADP
ajfa-10274	38	27	the	the	DET
ajfa-10274	38	28	banks	bank	NOUN
ajfa-10274	38	29	as	as	ADP
ajfa-10274	38	30	a	a	DET
ajfa-10274	38	31	proxy	proxy	NOUN
ajfa-10274	38	32	for	for	ADP
ajfa-10274	38	33	bank	bank	NOUN
ajfa-10274	38	34	size	size	NOUN
ajfa-10274	38	35	and	and	CCONJ
ajfa-10274	38	36	is	be	AUX
ajfa-10274	38	37	represented	represent	VERB
ajfa-10274	38	38	by	by	ADP
ajfa-10274	38	39	natural	natural	ADJ
ajfa-10274	38	40	logarithm	logarithm	NOUN
ajfa-10274	38	41	of	of	ADP
ajfa-10274	38	42	total	total	ADJ
ajfa-10274	38	43	asset	asset	NOUN
ajfa-10274	38	44	(	(	PUNCT
ajfa-10274	38	45	log	log	VERB
ajfa-10274	38	46	a	a	NOUN
ajfa-10274	38	47	)	)	PUNCT
ajfa-10274	38	48	(	(	PUNCT
ajfa-10274	38	49	anbar	anbar	PROPN
ajfa-10274	38	50	&	&	CCONJ
ajfa-10274	38	51	anper	anper	ADJ
ajfa-10274	38	52	,	,	PUNCT
ajfa-10274	38	53	2011	2011	NUM
ajfa-10274	38	54	)	)	PUNCT
ajfa-10274	38	55	.	.	PUNCT
ajfa-10274	39	1	•	•	NUM
ajfa-10274	39	2	bank	bank	NOUN
ajfa-10274	39	3	loan	loan	NOUN
ajfa-10274	39	4	:	:	PUNCT
ajfa-10274	39	5	the	the	DET
ajfa-10274	39	6	ratio	ratio	NOUN
ajfa-10274	39	7	of	of	ADP
ajfa-10274	39	8	bank	bank	NOUN
ajfa-10274	39	9	’s	’s	PART
ajfa-10274	39	10	loans	loan	NOUN
ajfa-10274	39	11	to	to	ADP
ajfa-10274	39	12	total	total	ADJ
ajfa-10274	39	13	assets	asset	NOUN
ajfa-10274	39	14	was	be	AUX
ajfa-10274	39	15	also	also	ADV
ajfa-10274	39	16	used	use	VERB
ajfa-10274	39	17	as	as	ADP
ajfa-10274	39	18	part	part	NOUN
ajfa-10274	39	19	of	of	ADP
ajfa-10274	39	20	the	the	DET
ajfa-10274	39	21	explanatory	explanatory	ADJ
ajfa-10274	39	22	variables	variable	NOUN
ajfa-10274	39	23	.	.	PUNCT
ajfa-10274	40	1	the	the	DET
ajfa-10274	40	2	traditional	traditional	ADJ
ajfa-10274	40	3	banking	banking	NOUN
ajfa-10274	40	4	practice	practice	NOUN
ajfa-10274	40	5	among	among	ADP
ajfa-10274	40	6	ghanaian	ghanaian	ADJ
ajfa-10274	40	7	banks	bank	NOUN
ajfa-10274	40	8	is	be	AUX
ajfa-10274	40	9	accepting	accept	VERB
ajfa-10274	40	10	deposits	deposit	NOUN
ajfa-10274	40	11	and	and	CCONJ
ajfa-10274	40	12	transforming	transform	VERB
ajfa-10274	40	13	them	they	PRON
ajfa-10274	40	14	into	into	ADP
ajfa-10274	40	15	loans	loan	NOUN
ajfa-10274	40	16	.	.	PUNCT
ajfa-10274	41	1	interest	interest	NOUN
ajfa-10274	41	2	is	be	AUX
ajfa-10274	41	3	charge	charge	VERB
ajfa-10274	41	4	on	on	ADP
ajfa-10274	41	5	these	these	DET
ajfa-10274	41	6	loans	loan	NOUN
ajfa-10274	41	7	which	which	PRON
ajfa-10274	41	8	serves	serve	VERB
ajfa-10274	41	9	as	as	ADP
ajfa-10274	41	10	their	their	PRON
ajfa-10274	41	11	principal	principal	ADJ
ajfa-10274	41	12	source	source	NOUN
ajfa-10274	41	13	of	of	ADP
ajfa-10274	41	14	income	income	NOUN
ajfa-10274	41	15	.	.	PUNCT
ajfa-10274	42	1	•	•	NUM
ajfa-10274	42	2	bank	bank	NOUN
ajfa-10274	42	3	deposits	deposit	NOUN
ajfa-10274	42	4	:	:	PUNCT
ajfa-10274	42	5	the	the	DET
ajfa-10274	42	6	ratio	ratio	NOUN
ajfa-10274	42	7	of	of	ADP
ajfa-10274	42	8	total	total	ADJ
ajfa-10274	42	9	deposits	deposit	NOUN
ajfa-10274	42	10	to	to	ADP
ajfa-10274	42	11	total	total	ADJ
ajfa-10274	42	12	assets	asset	NOUN
ajfa-10274	42	13	which	which	PRON
ajfa-10274	42	14	is	be	AUX
ajfa-10274	42	15	another	another	DET
ajfa-10274	42	16	liquidity	liquidity	NOUN
ajfa-10274	42	17	indicator	indicator	NOUN
ajfa-10274	42	18	but	but	CCONJ
ajfa-10274	42	19	is	be	AUX
ajfa-10274	42	20	considered	consider	VERB
ajfa-10274	42	21	as	as	ADP
ajfa-10274	42	22	a	a	DET
ajfa-10274	42	23	liability	liability	NOUN
ajfa-10274	42	24	.	.	PUNCT
ajfa-10274	43	1	thisis	thisis	INTJ
ajfa-10274	43	2	the	the	DET
ajfa-10274	43	3	main	main	ADJ
ajfa-10274	43	4	source	source	NOUN
ajfa-10274	43	5	of	of	ADP
ajfa-10274	43	6	banks	bank	NOUN
ajfa-10274	43	7	funding	funding	NOUN
ajfa-10274	43	8	and	and	CCONJ
ajfa-10274	43	9	isalso	isalso	ADV
ajfa-10274	43	10	the	the	DET
ajfa-10274	43	11	lowest	low	ADJ
ajfa-10274	43	12	cost	cost	NOUN
ajfa-10274	43	13	of	of	ADP
ajfa-10274	43	14	funds	fund	NOUN
ajfa-10274	43	15	.	.	PUNCT
ajfa-10274	44	1	the	the	DET
ajfa-10274	44	2	more	more	ADJ
ajfa-10274	44	3	deposits	deposit	NOUN
ajfa-10274	44	4	are	be	AUX
ajfa-10274	44	5	transformed	transform	VERB
ajfa-10274	44	6	into	into	ADP
ajfa-10274	44	7	loans	loan	NOUN
ajfa-10274	44	8	,	,	PUNCT
ajfa-10274	44	9	the	the	PRON
ajfa-10274	44	10	higher	high	ADJ
ajfa-10274	44	11	the	the	DET
ajfa-10274	44	12	interest	interest	NOUN
ajfa-10274	44	13	margin	margin	NOUN
ajfa-10274	44	14	and	and	CCONJ
ajfa-10274	44	15	profit	profit	NOUN
ajfa-10274	44	16	.	.	PUNCT
ajfa-10274	45	1	therefore	therefore	ADV
ajfa-10274	45	2	deposits	deposit	NOUN
ajfa-10274	45	3	have	have	VERB
ajfa-10274	45	4	positive	positive	ADJ
ajfa-10274	45	5	an	an	DET
ajfa-10274	45	6	impact	impact	NOUN
ajfa-10274	45	7	on	on	ADP
ajfa-10274	45	8	profitability	profitability	NOUN
ajfa-10274	45	9	of	of	ADP
ajfa-10274	45	10	the	the	DET
ajfa-10274	45	11	banks	bank	NOUN
ajfa-10274	45	12	.	.	PUNCT
ajfa-10274	46	1	•	•	NUM
ajfa-10274	46	2	capital	capital	NOUN
ajfa-10274	46	3	:	:	PUNCT
ajfa-10274	46	4	this	this	PRON
ajfa-10274	46	5	is	be	AUX
ajfa-10274	46	6	the	the	DET
ajfa-10274	46	7	ratio	ratio	NOUN
ajfa-10274	46	8	of	of	ADP
ajfa-10274	46	9	the	the	DET
ajfa-10274	46	10	bank	bank	NOUN
ajfa-10274	46	11	’s	’s	PART
ajfa-10274	46	12	equity	equity	NOUN
ajfa-10274	46	13	capital	capital	NOUN
ajfa-10274	46	14	to	to	ADP
ajfa-10274	46	15	total	total	ADJ
ajfa-10274	46	16	assets	asset	NOUN
ajfa-10274	46	17	.	.	PUNCT
ajfa-10274	47	1	according	accord	VERB
ajfa-10274	47	2	to	to	ADP
ajfa-10274	47	3	berger	berger	PROPN
ajfa-10274	47	4	(	(	PUNCT
ajfa-10274	47	5	1995	1995	NUM
ajfa-10274	47	6	)	)	PUNCT
ajfa-10274	47	7	,	,	PUNCT
ajfa-10274	47	8	there	there	PRON
ajfa-10274	47	9	is	be	VERB
ajfa-10274	47	10	a	a	DET
ajfa-10274	47	11	positive	positive	ADJ
ajfa-10274	47	12	relationship	relationship	NOUN
ajfa-10274	47	13	between	between	ADP
ajfa-10274	47	14	the	the	DET
ajfa-10274	47	15	level	level	NOUN
ajfa-10274	47	16	of	of	ADP
ajfa-10274	47	17	capital	capital	NOUN
ajfa-10274	47	18	and	and	CCONJ
ajfa-10274	47	19	the	the	DET
ajfa-10274	47	20	profitability	profitability	NOUN
ajfa-10274	47	21	of	of	ADP
ajfa-10274	47	22	the	the	DET
ajfa-10274	47	23	banks	bank	NOUN
ajfa-10274	47	24	and	and	CCONJ
ajfa-10274	47	25	when	when	SCONJ
ajfa-10274	47	26	the	the	DET
ajfa-10274	47	27	level	level	NOUN
ajfa-10274	47	28	of	of	ADP
ajfa-10274	47	29	capital	capital	NOUN
ajfa-10274	47	30	is	be	AUX
ajfa-10274	47	31	high	high	ADJ
ajfa-10274	47	32	,	,	PUNCT
ajfa-10274	47	33	the	the	DET
ajfa-10274	47	34	bank	bank	NOUN
ajfa-10274	47	35	can	can	AUX
ajfa-10274	47	36	have	have	VERB
ajfa-10274	47	37	excess	excess	ADJ
ajfa-10274	47	38	funds	fund	NOUN
ajfa-10274	47	39	to	to	PART
ajfa-10274	47	40	give	give	VERB
ajfa-10274	47	41	out	out	ADP
ajfa-10274	47	42	as	as	ADP
ajfa-10274	47	43	loans	loan	NOUN
ajfa-10274	47	44	after	after	ADP
ajfa-10274	47	45	meeting	meet	VERB
ajfa-10274	47	46	the	the	DET
ajfa-10274	47	47	requirement	requirement	NOUN
ajfa-10274	47	48	of	of	ADP
ajfa-10274	47	49	the	the	DET
ajfa-10274	47	50	regulator	regulator	NOUN
ajfa-10274	47	51	.	.	PUNCT
ajfa-10274	48	1	asian	asian	ADJ
ajfa-10274	48	2	journal	journal	PROPN
ajfa-10274	48	3	of	of	ADP
ajfa-10274	48	4	finance	finance	PROPN
ajfa-10274	48	5	&	&	CCONJ
ajfa-10274	48	6	accounting	accounting	PROPN
ajfa-10274	48	7	issn	issn	PROPN
ajfa-10274	48	8	1946	1946	NUM
ajfa-10274	48	9	-	-	PUNCT
ajfa-10274	48	10	052x	052x	PROPN
ajfa-10274	48	11	2016	2016	NUM
ajfa-10274	48	12	,	,	PUNCT
ajfa-10274	48	13	vol	vol	NOUN
ajfa-10274	48	14	.	.	PROPN
ajfa-10274	48	15	8	8	NUM
ajfa-10274	48	16	,	,	PUNCT
ajfa-10274	48	17	no	no	INTJ
ajfa-10274	48	18	.	.	NOUN
ajfa-10274	48	19	2	2	NUM
ajfa-10274	48	20	ajfa.macrothink.org	ajfa.macrothink.org	ADJ
ajfa-10274	48	21	197	197	NUM
ajfa-10274	48	22	•	•	NOUN
ajfa-10274	48	23	overhead	overhead	ADV
ajfa-10274	48	24	:	:	PUNCT
ajfa-10274	48	25	we	we	PRON
ajfa-10274	48	26	again	again	ADV
ajfa-10274	48	27	use	use	VERB
ajfa-10274	48	28	the	the	DET
ajfa-10274	48	29	ratio	ratio	NOUN
ajfa-10274	48	30	of	of	ADP
ajfa-10274	48	31	overhead	overhead	NOUN
ajfa-10274	48	32	to	to	PART
ajfa-10274	48	33	total	total	VERB
ajfa-10274	48	34	assets	asset	NOUN
ajfa-10274	48	35	to	to	PART
ajfa-10274	48	36	capture	capture	VERB
ajfa-10274	48	37	the	the	DET
ajfa-10274	48	38	variations	variation	NOUN
ajfa-10274	48	39	of	of	ADP
ajfa-10274	48	40	cost	cost	NOUN
ajfa-10274	48	41	in	in	ADP
ajfa-10274	48	42	the	the	DET
ajfa-10274	48	43	ghanaian	ghanaian	ADJ
ajfa-10274	48	44	banking	banking	NOUN
ajfa-10274	48	45	industry	industry	NOUN
ajfa-10274	48	46	.	.	PUNCT
ajfa-10274	49	1	this	this	PRON
ajfa-10274	49	2	is	be	AUX
ajfa-10274	49	3	the	the	DET
ajfa-10274	49	4	various	various	ADJ
ajfa-10274	49	5	components	component	NOUN
ajfa-10274	49	6	of	of	ADP
ajfa-10274	49	7	wages	wage	NOUN
ajfa-10274	49	8	and	and	CCONJ
ajfa-10274	49	9	salaries	salary	NOUN
ajfa-10274	49	10	provided	provide	VERB
ajfa-10274	49	11	to	to	ADP
ajfa-10274	49	12	employees	employee	NOUN
ajfa-10274	49	13	and	and	CCONJ
ajfa-10274	49	14	is	be	AUX
ajfa-10274	49	15	expected	expect	VERB
ajfa-10274	49	16	to	to	PART
ajfa-10274	49	17	have	have	VERB
ajfa-10274	49	18	a	a	DET
ajfa-10274	49	19	negative	negative	ADJ
ajfa-10274	49	20	effect	effect	NOUN
ajfa-10274	49	21	on	on	ADP
ajfa-10274	49	22	profitability	profitability	NOUN
ajfa-10274	49	23	.	.	PUNCT
ajfa-10274	50	1	macro	macro	ADJ
ajfa-10274	50	2	-	-	ADJ
ajfa-10274	50	3	economic	economic	ADJ
ajfa-10274	50	4	determinants	determinant	NOUN
ajfa-10274	50	5	three	three	NUM
ajfa-10274	50	6	macro	macro	ADJ
ajfa-10274	50	7	-	-	ADJ
ajfa-10274	50	8	economic	economic	ADJ
ajfa-10274	50	9	variables	variable	NOUN
ajfa-10274	50	10	were	be	AUX
ajfa-10274	50	11	used	use	VERB
ajfa-10274	50	12	in	in	ADP
ajfa-10274	50	13	this	this	DET
ajfa-10274	50	14	paper	paper	NOUN
ajfa-10274	50	15	.	.	PUNCT
ajfa-10274	51	1	the	the	DET
ajfa-10274	51	2	first	first	ADJ
ajfa-10274	51	3	is	be	AUX
ajfa-10274	51	4	the	the	DET
ajfa-10274	51	5	gdp	gdp	NOUN
ajfa-10274	51	6	per	per	ADP
ajfa-10274	51	7	capital	capital	NOUN
ajfa-10274	51	8	growth	growth	NOUN
ajfa-10274	51	9	.	.	PUNCT
ajfa-10274	52	1	there	there	PRON
ajfa-10274	52	2	is	be	VERB
ajfa-10274	52	3	an	an	DET
ajfa-10274	52	4	extant	extant	ADJ
ajfa-10274	52	5	literature	literature	NOUN
ajfa-10274	52	6	to	to	PART
ajfa-10274	52	7	show	show	VERB
ajfa-10274	52	8	that	that	SCONJ
ajfa-10274	52	9	gdp	gdp	NOUN
ajfa-10274	52	10	has	have	VERB
ajfa-10274	52	11	a	a	DET
ajfa-10274	52	12	positive	positive	ADJ
ajfa-10274	52	13	impact	impact	NOUN
ajfa-10274	52	14	on	on	ADP
ajfa-10274	52	15	performance	performance	NOUN
ajfa-10274	52	16	of	of	ADP
ajfa-10274	52	17	banks	bank	NOUN
ajfa-10274	52	18	(	(	PUNCT
ajfa-10274	52	19	naceur	naceur	ADV
ajfa-10274	52	20	,	,	PUNCT
ajfa-10274	52	21	2003	2003	NUM
ajfa-10274	52	22	)	)	PUNCT
ajfa-10274	52	23	.	.	PUNCT
ajfa-10274	53	1	also	also	ADV
ajfa-10274	53	2	,	,	PUNCT
ajfa-10274	53	3	gdp	gdp	NOUN
ajfa-10274	53	4	reflects	reflect	VERB
ajfa-10274	53	5	the	the	DET
ajfa-10274	53	6	upswings	upswing	NOUN
ajfa-10274	53	7	and	and	CCONJ
ajfa-10274	53	8	downswing	downswing	NOUN
ajfa-10274	53	9	in	in	ADP
ajfa-10274	53	10	the	the	DET
ajfa-10274	53	11	business	business	NOUN
ajfa-10274	53	12	industry	industry	NOUN
ajfa-10274	53	13	.	.	PUNCT
ajfa-10274	54	1	moreover	moreover	ADV
ajfa-10274	54	2	,	,	PUNCT
ajfa-10274	54	3	exchange	exchange	NOUN
ajfa-10274	54	4	rate	rate	NOUN
ajfa-10274	54	5	exr	exr	PROPN
ajfa-10274	54	6	and	and	CCONJ
ajfa-10274	54	7	interest	interest	NOUN
ajfa-10274	54	8	rate	rate	NOUN
ajfa-10274	54	9	–	–	PUNCT
ajfa-10274	54	10	itr	itr	NOUN
ajfa-10274	54	11	were	be	AUX
ajfa-10274	54	12	the	the	DET
ajfa-10274	54	13	other	other	ADJ
ajfa-10274	54	14	two	two	NUM
ajfa-10274	54	15	macro	macro	ADJ
ajfa-10274	54	16	-	-	ADJ
ajfa-10274	54	17	economic	economic	ADJ
ajfa-10274	54	18	variables	variable	NOUN
ajfa-10274	54	19	used	use	VERB
ajfa-10274	54	20	in	in	ADP
ajfa-10274	54	21	this	this	DET
ajfa-10274	54	22	study	study	NOUN
ajfa-10274	54	23	.	.	PUNCT
ajfa-10274	55	1	the	the	DET
ajfa-10274	55	2	panel	panel	NOUN
ajfa-10274	55	3	nature	nature	NOUN
ajfa-10274	55	4	of	of	ADP
ajfa-10274	55	5	the	the	DET
ajfa-10274	55	6	data	data	NOUN
ajfa-10274	55	7	sample	sample	NOUN
ajfa-10274	55	8	allows	allow	VERB
ajfa-10274	55	9	the	the	DET
ajfa-10274	55	10	application	application	NOUN
ajfa-10274	55	11	of	of	ADP
ajfa-10274	55	12	fixed	fix	VERB
ajfa-10274	55	13	-	-	PUNCT
ajfa-10274	55	14	effects	effect	NOUN
ajfa-10274	55	15	(	(	PUNCT
ajfa-10274	55	16	fe	fe	NOUN
ajfa-10274	55	17	)	)	PUNCT
ajfa-10274	55	18	,	,	PUNCT
ajfa-10274	55	19	random	random	ADJ
ajfa-10274	55	20	effect	effect	NOUN
ajfa-10274	55	21	(	(	PUNCT
ajfa-10274	55	22	re	re	NOUN
ajfa-10274	55	23	)	)	PUNCT
ajfa-10274	55	24	methods	method	NOUN
ajfa-10274	55	25	on	on	ADP
ajfa-10274	55	26	the	the	DET
ajfa-10274	55	27	variables	variable	NOUN
ajfa-10274	55	28	(	(	PUNCT
ajfa-10274	55	29	anarfi	anarfi	PROPN
ajfa-10274	55	30	&	&	CCONJ
ajfa-10274	55	31	boateng	boateng	PROPN
ajfa-10274	55	32	,	,	PUNCT
ajfa-10274	55	33	2016	2016	NUM
ajfa-10274	55	34	)	)	PUNCT
ajfa-10274	55	35	.	.	PUNCT
ajfa-10274	56	1	the	the	DET
ajfa-10274	56	2	hausman	hausman	PROPN
ajfa-10274	56	3	specification	specification	PROPN
ajfa-10274	56	4	test	test	NOUN
ajfa-10274	56	5	was	be	AUX
ajfa-10274	56	6	conducted	conduct	VERB
ajfa-10274	56	7	to	to	PART
ajfa-10274	56	8	compare	compare	VERB
ajfa-10274	56	9	the	the	DET
ajfa-10274	56	10	two	two	NUM
ajfa-10274	56	11	categories	category	NOUN
ajfa-10274	56	12	of	of	ADP
ajfa-10274	56	13	specifications	specification	NOUN
ajfa-10274	56	14	and	and	CCONJ
ajfa-10274	56	15	to	to	PART
ajfa-10274	56	16	determine	determine	VERB
ajfa-10274	56	17	the	the	DET
ajfa-10274	56	18	appropriate	appropriate	ADJ
ajfa-10274	56	19	model	model	NOUN
ajfa-10274	56	20	for	for	ADP
ajfa-10274	56	21	the	the	DET
ajfa-10274	56	22	study	study	NOUN
ajfa-10274	56	23	.	.	PUNCT
ajfa-10274	57	1	table	table	NOUN
ajfa-10274	57	2	1	1	NUM
ajfa-10274	57	3	.	.	PUNCT
ajfa-10274	58	1	description	description	NOUN
ajfa-10274	58	2	of	of	ADP
ajfa-10274	58	3	the	the	DET
ajfa-10274	58	4	variables	variable	NOUN
ajfa-10274	58	5	used	use	VERB
ajfa-10274	58	6	in	in	ADP
ajfa-10274	58	7	the	the	DET
ajfa-10274	58	8	regression	regression	NOUN
ajfa-10274	58	9	models	model	NOUN
ajfa-10274	58	10	variable	variable	ADJ
ajfa-10274	58	11	description	description	NOUN
ajfa-10274	58	12	hypothesized	hypothesize	VERB
ajfa-10274	58	13	relationship	relationship	NOUN
ajfa-10274	58	14	with	with	ADP
ajfa-10274	58	15	profitability	profitability	NOUN
ajfa-10274	58	16	dependent	dependent	ADJ
ajfa-10274	58	17	roa	roa	NOUN
ajfa-10274	58	18	the	the	DET
ajfa-10274	58	19	return	return	NOUN
ajfa-10274	58	20	on	on	ADP
ajfa-10274	58	21	average	average	ADJ
ajfa-10274	58	22	total	total	ADJ
ajfa-10274	58	23	assets	asset	NOUN
ajfa-10274	58	24	of	of	ADP
ajfa-10274	58	25	bank	bank	NOUN
ajfa-10274	58	26	at	at	ADP
ajfa-10274	58	27	time	time	NOUN
ajfa-10274	58	28	na	na	ADP
ajfa-10274	58	29	independent	independent	ADJ
ajfa-10274	58	30	bank	bank	NOUN
ajfa-10274	58	31	-	-	PUNCT
ajfa-10274	58	32	specific	specific	ADJ
ajfa-10274	58	33	determinants	determinant	NOUN
ajfa-10274	58	34	size	size	VERB
ajfa-10274	58	35	the	the	DET
ajfa-10274	58	36	natural	natural	ADJ
ajfa-10274	58	37	logarithm	logarithm	NOUN
ajfa-10274	58	38	of	of	ADP
ajfa-10274	58	39	the	the	DET
ajfa-10274	58	40	accounting	accounting	NOUN
ajfa-10274	58	41	value	value	NOUN
ajfa-10274	58	42	of	of	ADP
ajfa-10274	58	43	bank	bank	NOUN
ajfa-10274	58	44	at	at	ADP
ajfa-10274	58	45	time	time	NOUN
ajfa-10274	59	1	+	+	NOUN
ajfa-10274	59	2	/loan	/loan	NOUN
ajfa-10274	59	3	a	a	DET
ajfa-10274	59	4	measure	measure	NOUN
ajfa-10274	59	5	of	of	ADP
ajfa-10274	59	6	liquidity	liquidity	NOUN
ajfa-10274	59	7	which	which	PRON
ajfa-10274	59	8	is	be	AUX
ajfa-10274	59	9	calculated	calculate	VERB
ajfa-10274	59	10	as	as	ADP
ajfa-10274	59	11	total	total	ADJ
ajfa-10274	59	12	loans	loan	NOUN
ajfa-10274	59	13	/	/	SYM
ajfa-10274	59	14	total	total	ADJ
ajfa-10274	59	15	assets	asset	NOUN
ajfa-10274	59	16	+	+	CCONJ
ajfa-10274	59	17	deposit	deposit	NOUN
ajfa-10274	59	18	calculated	calculate	VERB
ajfa-10274	59	19	as	as	ADP
ajfa-10274	59	20	total	total	ADJ
ajfa-10274	59	21	deposits	deposit	NOUN
ajfa-10274	59	22	/	/	SYM
ajfa-10274	59	23	total	total	ADJ
ajfa-10274	59	24	assets	asset	NOUN
ajfa-10274	60	1	+	+	ADV
ajfa-10274	60	2	/capital	/capital	ADJ
ajfa-10274	60	3	calculated	calculate	VERB
ajfa-10274	60	4	as	as	ADP
ajfa-10274	60	5	total	total	ADJ
ajfa-10274	60	6	capital	capital	NOUN
ajfa-10274	60	7	/	/	SYM
ajfa-10274	60	8	total	total	ADJ
ajfa-10274	60	9	assets	asset	NOUN
ajfa-10274	60	10	+	+	NOUN
ajfa-10274	60	11	/overhead	/overhead	VERB
ajfa-10274	60	12	calculated	calculate	VERB
ajfa-10274	60	13	as	as	ADP
ajfa-10274	60	14	total	total	ADJ
ajfa-10274	60	15	overheads	overhead	NOUN
ajfa-10274	60	16	/	/	SYM
ajfa-10274	60	17	total	total	ADJ
ajfa-10274	60	18	assets	asset	NOUN
ajfa-10274	60	19	.	.	PUNCT
ajfa-10274	61	1	the	the	DET
ajfa-10274	61	2	various	various	ADJ
ajfa-10274	61	3	components	component	NOUN
ajfa-10274	61	4	of	of	ADP
ajfa-10274	61	5	wages	wage	NOUN
ajfa-10274	61	6	and	and	CCONJ
ajfa-10274	61	7	salaries	salary	NOUN
ajfa-10274	61	8	provided	provide	VERB
ajfa-10274	61	9	to	to	ADP
ajfa-10274	61	10	employees	employee	NOUN
ajfa-10274	61	11	macro	macro	ADJ
ajfa-10274	61	12	-	-	ADJ
ajfa-10274	61	13	economic	economic	ADJ
ajfa-10274	61	14	determinants	determinant	NOUN
ajfa-10274	61	15	gdp	gdp	NOUN
ajfa-10274	61	16	gross	gross	ADJ
ajfa-10274	61	17	domestic	domestic	ADJ
ajfa-10274	61	18	product	product	NOUN
ajfa-10274	61	19	+	+	PROPN
ajfa-10274	61	20	/exr	/exr	ADJ
ajfa-10274	61	21	official	official	ADJ
ajfa-10274	61	22	exchange	exchange	NOUN
ajfa-10274	61	23	rate	rate	NOUN
ajfa-10274	61	24	(	(	PUNCT
ajfa-10274	61	25	ghs	gh	NOUN
ajfa-10274	61	26	per	per	ADP
ajfa-10274	61	27	us$	us$	SYM
ajfa-10274	61	28	,	,	PUNCT
ajfa-10274	61	29	period	period	NOUN
ajfa-10274	61	30	average	average	NOUN
ajfa-10274	61	31	)	)	PUNCT
ajfa-10274	62	1	+	+	ADP
ajfa-10274	62	2	/itr	/itr	NOUN
ajfa-10274	62	3	the	the	DET
ajfa-10274	62	4	rate	rate	NOUN
ajfa-10274	62	5	charged	charge	VERB
ajfa-10274	62	6	by	by	ADP
ajfa-10274	62	7	banks	bank	NOUN
ajfa-10274	62	8	on	on	ADP
ajfa-10274	62	9	loans	loan	NOUN
ajfa-10274	62	10	to	to	ADP
ajfa-10274	62	11	banks	bank	NOUN
ajfa-10274	62	12	+	+	NOUN
ajfa-10274	62	13	/source	/source	NOUN
ajfa-10274	62	14	:	:	PUNCT
ajfa-10274	62	15	author	author	NOUN
ajfa-10274	62	16	’s	’s	PART
ajfa-10274	62	17	estimations	estimation	NOUN
ajfa-10274	62	18	asian	asian	ADJ
ajfa-10274	62	19	journal	journal	PROPN
ajfa-10274	62	20	of	of	ADP
ajfa-10274	62	21	finance	finance	PROPN
ajfa-10274	62	22	&	&	CCONJ
ajfa-10274	62	23	accounting	accounting	PROPN
ajfa-10274	62	24	issn	issn	PROPN
ajfa-10274	62	25	1946	1946	NUM
ajfa-10274	62	26	-	-	PUNCT
ajfa-10274	62	27	052x	052x	PROPN
ajfa-10274	62	28	2016	2016	NUM
ajfa-10274	62	29	,	,	PUNCT
ajfa-10274	62	30	vol	vol	NOUN
ajfa-10274	62	31	.	.	PROPN
ajfa-10274	62	32	8	8	NUM
ajfa-10274	62	33	,	,	PUNCT
ajfa-10274	62	34	no	no	INTJ
ajfa-10274	62	35	.	.	NOUN
ajfa-10274	62	36	2	2	NUM
ajfa-10274	62	37	ajfa.macrothink.org	ajfa.macrothink.org	ADJ
ajfa-10274	62	38	198	198	NUM
ajfa-10274	62	39	3	3	NUM
ajfa-10274	62	40	.	.	PUNCT
ajfa-10274	63	1	empirical	empirical	ADJ
ajfa-10274	63	2	results	result	NOUN
ajfa-10274	63	3	the	the	DET
ajfa-10274	63	4	results	result	NOUN
ajfa-10274	63	5	of	of	ADP
ajfa-10274	63	6	the	the	DET
ajfa-10274	63	7	study	study	NOUN
ajfa-10274	63	8	are	be	AUX
ajfa-10274	63	9	presented	present	VERB
ajfa-10274	63	10	in	in	ADP
ajfa-10274	63	11	this	this	DET
ajfa-10274	63	12	section	section	NOUN
ajfa-10274	63	13	.	.	PUNCT
ajfa-10274	64	1	the	the	DET
ajfa-10274	64	2	results	result	NOUN
ajfa-10274	64	3	presented	present	VERB
ajfa-10274	64	4	include	include	VERB
ajfa-10274	64	5	the	the	DET
ajfa-10274	64	6	descriptive	descriptive	ADJ
ajfa-10274	64	7	statistics	statistic	NOUN
ajfa-10274	64	8	,	,	PUNCT
ajfa-10274	64	9	correlation	correlation	NOUN
ajfa-10274	64	10	matrix	matrix	NOUN
ajfa-10274	64	11	and	and	CCONJ
ajfa-10274	64	12	econometric	econometric	ADJ
ajfa-10274	64	13	results	result	NOUN
ajfa-10274	64	14	which	which	PRON
ajfa-10274	64	15	is	be	AUX
ajfa-10274	64	16	relevant	relevant	ADJ
ajfa-10274	64	17	for	for	ADP
ajfa-10274	64	18	the	the	DET
ajfa-10274	64	19	study	study	NOUN
ajfa-10274	64	20	.	.	PUNCT
ajfa-10274	65	1	3.1	3.1	NUM
ajfa-10274	65	2	descriptive	descriptive	ADJ
ajfa-10274	65	3	statistics	statistic	NOUN
ajfa-10274	65	4	table	table	NOUN
ajfa-10274	65	5	2	2	NUM
ajfa-10274	65	6	below	below	ADV
ajfa-10274	65	7	indicates	indicate	VERB
ajfa-10274	65	8	the	the	DET
ajfa-10274	65	9	mean	mean	ADJ
ajfa-10274	65	10	values	value	NOUN
ajfa-10274	65	11	,	,	PUNCT
ajfa-10274	65	12	standard	standard	ADJ
ajfa-10274	65	13	deviation	deviation	NOUN
ajfa-10274	65	14	,	,	PUNCT
ajfa-10274	65	15	the	the	DET
ajfa-10274	65	16	minimum	minimum	ADJ
ajfa-10274	65	17	and	and	CCONJ
ajfa-10274	65	18	maximum	maximum	ADJ
ajfa-10274	65	19	values	value	NOUN
ajfa-10274	65	20	for	for	ADP
ajfa-10274	65	21	each	each	DET
ajfa-10274	65	22	variable	variable	NOUN
ajfa-10274	65	23	in	in	ADP
ajfa-10274	65	24	the	the	DET
ajfa-10274	65	25	study	study	NOUN
ajfa-10274	65	26	.	.	PUNCT
ajfa-10274	66	1	table	table	NOUN
ajfa-10274	66	2	2	2	NUM
ajfa-10274	66	3	.	.	PUNCT
ajfa-10274	66	4	descriptive	descriptive	ADJ
ajfa-10274	66	5	statistics	statistic	NOUN
ajfa-10274	66	6	variable	variable	ADJ
ajfa-10274	66	7	mean	mean	VERB
ajfa-10274	66	8	std	std	PROPN
ajfa-10274	66	9	.	.	PROPN
ajfa-10274	66	10	dev	dev	PROPN
ajfa-10274	66	11	.	.	PUNCT
ajfa-10274	67	1	min	min	PROPN
ajfa-10274	67	2	max	max	PROPN
ajfa-10274	67	3	roa	roa	PROPN
ajfa-10274	67	4	2.395333	2.395333	NUM
ajfa-10274	67	5	3.197508	3.197508	NUM
ajfa-10274	67	6	-20.6	-20.6	NUM
ajfa-10274	67	7	8.5	8.5	NUM
ajfa-10274	67	8	size	size	NOUN
ajfa-10274	67	9	20.055	20.055	NUM
ajfa-10274	67	10	1.725792	1.725792	NUM
ajfa-10274	67	11	11	11	NUM
ajfa-10274	67	12	22.46	22.46	NUM
ajfa-10274	67	13	loan	loan	NOUN
ajfa-10274	67	14	58.01205	58.01205	NUM
ajfa-10274	67	15	13.20192	13.20192	NUM
ajfa-10274	67	16	15	15	NUM
ajfa-10274	67	17	89	89	NUM
ajfa-10274	67	18	dep	dep	NOUN
ajfa-10274	67	19	70.92169	70.92169	NUM
ajfa-10274	67	20	20.04782	20.04782	NUM
ajfa-10274	67	21	0	0	NUM
ajfa-10274	67	22	139	139	NUM
ajfa-10274	67	23	cap	cap	NOUN
ajfa-10274	67	24	16.11102	16.11102	NUM
ajfa-10274	67	25	13.67277	13.67277	NUM
ajfa-10274	67	26	0	0	NUM
ajfa-10274	67	27	96	96	NUM
ajfa-10274	67	28	overhead	overhead	ADJ
ajfa-10274	67	29	8.171429	8.171429	NUM
ajfa-10274	67	30	3.669714	3.669714	NUM
ajfa-10274	67	31	1	1	NUM
ajfa-10274	67	32	25	25	NUM
ajfa-10274	67	33	gdp	gdp	NOUN
ajfa-10274	67	34	7.61125	7.61125	NUM
ajfa-10274	67	35	3.135672	3.135672	NUM
ajfa-10274	67	36	3.99	3.99	NUM
ajfa-10274	67	37	14.05	14.05	NUM
ajfa-10274	67	38	exr	exr	PROPN
ajfa-10274	67	39	1.5625	1.5625	NUM
ajfa-10274	67	40	0.447365	0.447365	NUM
ajfa-10274	67	41	0.94	0.94	NUM
ajfa-10274	67	42	2.4	2.4	NUM
ajfa-10274	67	43	itr	itr	NOUN
ajfa-10274	67	44	15.8125	15.8125	NUM
ajfa-10274	68	1	2.641044	2.641044	NUM
ajfa-10274	68	2	12.5	12.5	NUM
ajfa-10274	68	3	21	21	NUM
ajfa-10274	68	4	source	source	NOUN
ajfa-10274	68	5	:	:	PUNCT
ajfa-10274	68	6	authors	author	NOUN
ajfa-10274	68	7	’	'	PUNCT
ajfa-10274	68	8	estimations	estimation	NOUN
ajfa-10274	68	9	table	table	NOUN
ajfa-10274	68	10	2	2	NUM
ajfa-10274	68	11	above	above	ADV
ajfa-10274	68	12	shows	show	VERB
ajfa-10274	68	13	the	the	DET
ajfa-10274	68	14	basic	basic	ADJ
ajfa-10274	68	15	descriptive	descriptive	ADJ
ajfa-10274	68	16	statistics	statistic	NOUN
ajfa-10274	68	17	of	of	ADP
ajfa-10274	68	18	the	the	DET
ajfa-10274	68	19	variables	variable	NOUN
ajfa-10274	68	20	used	use	VERB
ajfa-10274	68	21	for	for	ADP
ajfa-10274	68	22	this	this	DET
ajfa-10274	68	23	study	study	NOUN
ajfa-10274	68	24	.	.	PUNCT
ajfa-10274	69	1	for	for	ADP
ajfa-10274	69	2	each	each	DET
ajfa-10274	69	3	variable	variable	NOUN
ajfa-10274	69	4	,	,	PUNCT
ajfa-10274	69	5	the	the	DET
ajfa-10274	69	6	table	table	NOUN
ajfa-10274	69	7	shows	show	VERB
ajfa-10274	69	8	the	the	DET
ajfa-10274	69	9	mean	mean	ADJ
ajfa-10274	69	10	,	,	PUNCT
ajfa-10274	69	11	standard	standard	ADJ
ajfa-10274	69	12	deviation	deviation	NOUN
ajfa-10274	69	13	,	,	PUNCT
ajfa-10274	69	14	minimum	minimum	ADJ
ajfa-10274	69	15	and	and	CCONJ
ajfa-10274	69	16	maximum	maximum	ADJ
ajfa-10274	69	17	value	value	NOUN
ajfa-10274	69	18	.	.	PUNCT
ajfa-10274	70	1	on	on	ADP
ajfa-10274	70	2	average	average	ADJ
ajfa-10274	70	3	,	,	PUNCT
ajfa-10274	70	4	banks	bank	NOUN
ajfa-10274	70	5	considered	consider	VERB
ajfa-10274	70	6	in	in	ADP
ajfa-10274	70	7	our	our	PRON
ajfa-10274	70	8	sample	sample	NOUN
ajfa-10274	70	9	have	have	VERB
ajfa-10274	70	10	a	a	DET
ajfa-10274	70	11	return	return	NOUN
ajfa-10274	70	12	on	on	ADP
ajfa-10274	70	13	assets	asset	NOUN
ajfa-10274	70	14	roa	roa	NOUN
ajfa-10274	70	15	of	of	ADP
ajfa-10274	70	16	2.4	2.4	NUM
ajfa-10274	70	17	%	%	NOUN
ajfa-10274	70	18	for	for	ADP
ajfa-10274	70	19	the	the	DET
ajfa-10274	70	20	8	8	NUM
ajfa-10274	70	21	year	year	NOUN
ajfa-10274	70	22	period	period	NOUN
ajfa-10274	70	23	from	from	ADP
ajfa-10274	70	24	2007	2007	NUM
ajfa-10274	70	25	to	to	ADP
ajfa-10274	70	26	2014	2014	NUM
ajfa-10274	70	27	.	.	PUNCT
ajfa-10274	71	1	the	the	DET
ajfa-10274	71	2	standard	standard	ADJ
ajfa-10274	71	3	deviation	deviation	NOUN
ajfa-10274	71	4	of	of	ADP
ajfa-10274	71	5	roa	roa	PROPN
ajfa-10274	71	6	is	be	AUX
ajfa-10274	71	7	3.19	3.19	NUM
ajfa-10274	71	8	%	%	NOUN
ajfa-10274	71	9	with	with	ADP
ajfa-10274	71	10	a	a	DET
ajfa-10274	71	11	minimum	minimum	ADJ
ajfa-10274	71	12	and	and	CCONJ
ajfa-10274	71	13	maximum	maximum	ADJ
ajfa-10274	71	14	values	value	NOUN
ajfa-10274	71	15	are	be	AUX
ajfa-10274	71	16	-20.6	-20.6	PRON
ajfa-10274	71	17	%	%	NOUN
ajfa-10274	71	18	and	and	CCONJ
ajfa-10274	71	19	8.5	8.5	NUM
ajfa-10274	71	20	%	%	NOUN
ajfa-10274	71	21	,	,	PUNCT
ajfa-10274	71	22	respectively	respectively	ADV
ajfa-10274	71	23	.	.	PUNCT
ajfa-10274	72	1	when	when	SCONJ
ajfa-10274	72	2	the	the	DET
ajfa-10274	72	3	mean	mean	NOUN
ajfa-10274	72	4	of	of	ADP
ajfa-10274	72	5	bank	bank	NOUN
ajfa-10274	72	6	size	size	NOUN
ajfa-10274	72	7	(	(	PUNCT
ajfa-10274	72	8	size	size	NOUN
ajfa-10274	72	9	)	)	PUNCT
ajfa-10274	72	10	is	be	AUX
ajfa-10274	72	11	20.05	20.05	NUM
ajfa-10274	72	12	%	%	NOUN
ajfa-10274	72	13	,	,	PUNCT
ajfa-10274	72	14	minimum	minimum	ADJ
ajfa-10274	72	15	value	value	NOUN
ajfa-10274	72	16	is	be	AUX
ajfa-10274	72	17	11	11	NUM
ajfa-10274	72	18	%	%	NOUN
ajfa-10274	72	19	and	and	CCONJ
ajfa-10274	72	20	maximum	maximum	ADJ
ajfa-10274	72	21	value	value	NOUN
ajfa-10274	72	22	is22.46	is22.46	PROPN
ajfa-10274	72	23	%	%	NOUN
ajfa-10274	72	24	with	with	ADP
ajfa-10274	72	25	a	a	DET
ajfa-10274	72	26	standard	standard	ADJ
ajfa-10274	72	27	deviation	deviation	NOUN
ajfa-10274	72	28	of	of	ADP
ajfa-10274	72	29	1.72	1.72	NUM
ajfa-10274	72	30	%	%	NOUN
ajfa-10274	72	31	.	.	PUNCT
ajfa-10274	73	1	again	again	ADV
ajfa-10274	73	2	the	the	DET
ajfa-10274	73	3	table	table	NOUN
ajfa-10274	73	4	shows	show	VERB
ajfa-10274	73	5	that	that	SCONJ
ajfa-10274	73	6	,	,	PUNCT
ajfa-10274	73	7	on	on	ADP
ajfa-10274	73	8	average	average	ADJ
ajfa-10274	73	9	the	the	DET
ajfa-10274	73	10	banks	bank	NOUN
ajfa-10274	73	11	give	give	VERB
ajfa-10274	73	12	58.01	58.01	NUM
ajfa-10274	73	13	%	%	NOUN
ajfa-10274	73	14	loans	loan	NOUN
ajfa-10274	73	15	and	and	CCONJ
ajfa-10274	73	16	advances	advance	NOUN
ajfa-10274	73	17	/	/	SYM
ajfa-10274	73	18	assets	asset	NOUN
ajfa-10274	73	19	to	to	ADP
ajfa-10274	73	20	its	its	PRON
ajfa-10274	73	21	customers	customer	NOUN
ajfa-10274	73	22	.	.	PUNCT
ajfa-10274	74	1	the	the	DET
ajfa-10274	74	2	minimum	minimum	ADJ
ajfa-10274	74	3	and	and	CCONJ
ajfa-10274	74	4	maximum	maximum	ADJ
ajfa-10274	74	5	value	value	NOUN
ajfa-10274	74	6	of	of	ADP
ajfa-10274	74	7	loans	loan	NOUN
ajfa-10274	74	8	which	which	PRON
ajfa-10274	74	9	the	the	DET
ajfa-10274	74	10	banks	bank	NOUN
ajfa-10274	74	11	can	can	AUX
ajfa-10274	74	12	give	give	VERB
ajfa-10274	74	13	out	out	ADP
ajfa-10274	74	14	is	be	AUX
ajfa-10274	74	15	11	11	NUM
ajfa-10274	74	16	%	%	NOUN
ajfa-10274	74	17	and	and	CCONJ
ajfa-10274	74	18	89	89	NUM
ajfa-10274	74	19	%	%	NOUN
ajfa-10274	74	20	respectively	respectively	ADV
ajfa-10274	74	21	which	which	PRON
ajfa-10274	74	22	can	can	AUX
ajfa-10274	74	23	deviate	deviate	VERB
ajfa-10274	74	24	by	by	ADP
ajfa-10274	74	25	13.20	13.20	NUM
ajfa-10274	74	26	%	%	NOUN
ajfa-10274	74	27	.	.	PUNCT
ajfa-10274	75	1	averages	average	NOUN
ajfa-10274	75	2	of	of	ADP
ajfa-10274	75	3	deposits	deposit	NOUN
ajfa-10274	75	4	/	/	SYM
ajfa-10274	75	5	assets	asset	NOUN
ajfa-10274	75	6	(	(	PUNCT
ajfa-10274	75	7	dep	dep	NOUN
ajfa-10274	75	8	)	)	PUNCT
ajfa-10274	75	9	and	and	CCONJ
ajfa-10274	75	10	capital	capital	NOUN
ajfa-10274	75	11	/	/	SYM
ajfa-10274	75	12	assets	asset	NOUN
ajfa-10274	75	13	(	(	PUNCT
ajfa-10274	75	14	cap	cap	NOUN
ajfa-10274	75	15	)	)	PUNCT
ajfa-10274	75	16	are	be	AUX
ajfa-10274	75	17	approximately71	approximately71	NOUN
ajfa-10274	75	18	%	%	NOUN
ajfa-10274	75	19	and	and	CCONJ
ajfa-10274	75	20	16	16	NUM
ajfa-10274	75	21	%	%	NOUN
ajfa-10274	75	22	,	,	PUNCT
ajfa-10274	75	23	respectively	respectively	ADV
ajfa-10274	75	24	.	.	PUNCT
ajfa-10274	76	1	the	the	DET
ajfa-10274	76	2	bank	bank	NOUN
ajfa-10274	76	3	cost	cost	NOUN
ajfa-10274	76	4	which	which	PRON
ajfa-10274	76	5	is	be	AUX
ajfa-10274	76	6	represented	represent	VERB
ajfa-10274	76	7	by	by	ADP
ajfa-10274	76	8	the	the	DET
ajfa-10274	76	9	overheads	overhead	NOUN
ajfa-10274	76	10	to	to	PART
ajfa-10274	76	11	total	total	ADJ
ajfa-10274	76	12	assets	asset	NOUN
ajfa-10274	76	13	also	also	ADV
ajfa-10274	76	14	recorded	record	VERB
ajfa-10274	76	15	an	an	DET
ajfa-10274	76	16	average	average	NOUN
ajfa-10274	76	17	of	of	ADP
ajfa-10274	76	18	8.17	8.17	NUM
ajfa-10274	76	19	%	%	NOUN
ajfa-10274	76	20	,	,	PUNCT
ajfa-10274	76	21	where	where	SCONJ
ajfa-10274	76	22	the	the	DET
ajfa-10274	76	23	highest	high	ADJ
ajfa-10274	76	24	it	it	PRON
ajfa-10274	76	25	can	can	AUX
ajfa-10274	76	26	reach	reach	VERB
ajfa-10274	76	27	is	be	AUX
ajfa-10274	76	28	25	25	NUM
ajfa-10274	76	29	%	%	NOUN
ajfa-10274	76	30	.	.	PUNCT
ajfa-10274	77	1	on	on	ADP
ajfa-10274	77	2	the	the	DET
ajfa-10274	77	3	other	other	ADJ
ajfa-10274	77	4	hand	hand	NOUN
ajfa-10274	77	5	,	,	PUNCT
ajfa-10274	77	6	the	the	DET
ajfa-10274	77	7	table	table	NOUN
ajfa-10274	77	8	also	also	ADV
ajfa-10274	77	9	shows	show	VERB
ajfa-10274	77	10	the	the	DET
ajfa-10274	77	11	mean	mean	NOUN
ajfa-10274	77	12	of	of	ADP
ajfa-10274	77	13	macroeconomic	macroeconomic	ADJ
ajfa-10274	77	14	variables	variable	NOUN
ajfa-10274	77	15	over	over	ADP
ajfa-10274	77	16	the	the	DET
ajfa-10274	77	17	period	period	NOUN
ajfa-10274	77	18	considered	consider	VERB
ajfa-10274	77	19	for	for	ADP
ajfa-10274	77	20	this	this	DET
ajfa-10274	77	21	study	study	NOUN
ajfa-10274	77	22	.	.	PUNCT
ajfa-10274	78	1	on	on	ADP
ajfa-10274	78	2	the	the	DET
ajfa-10274	78	3	average	average	NOUN
ajfa-10274	78	4	the	the	DET
ajfa-10274	78	5	growth	growth	NOUN
ajfa-10274	78	6	rate	rate	NOUN
ajfa-10274	78	7	of	of	ADP
ajfa-10274	78	8	gdp	gdp	NOUN
ajfa-10274	78	9	is	be	AUX
ajfa-10274	78	10	approximately	approximately	ADV
ajfa-10274	78	11	7	7	NUM
ajfa-10274	78	12	%	%	NOUN
ajfa-10274	78	13	(	(	PUNCT
ajfa-10274	78	14	minimum	minimum	NOUN
ajfa-10274	78	15	3.99	3.99	NUM
ajfa-10274	78	16	%	%	NOUN
ajfa-10274	78	17	and	and	CCONJ
ajfa-10274	78	18	maximum	maximum	NOUN
ajfa-10274	78	19	of	of	ADP
ajfa-10274	78	20	asian	asian	ADJ
ajfa-10274	78	21	journal	journal	NOUN
ajfa-10274	78	22	of	of	ADP
ajfa-10274	78	23	finance	finance	PROPN
ajfa-10274	78	24	&	&	CCONJ
ajfa-10274	78	25	accounting	accounting	PROPN
ajfa-10274	78	26	issn	issn	PROPN
ajfa-10274	78	27	1946	1946	NUM
ajfa-10274	78	28	-	-	PUNCT
ajfa-10274	78	29	052x	052x	PROPN
ajfa-10274	78	30	2016	2016	NUM
ajfa-10274	78	31	,	,	PUNCT
ajfa-10274	78	32	vol	vol	NOUN
ajfa-10274	78	33	.	.	PROPN
ajfa-10274	78	34	8	8	NUM
ajfa-10274	78	35	,	,	PUNCT
ajfa-10274	78	36	no	no	INTJ
ajfa-10274	78	37	.	.	NOUN
ajfa-10274	78	38	2	2	NUM
ajfa-10274	78	39	ajfa.macrothink.org	ajfa.macrothink.org	ADJ
ajfa-10274	78	40	199	199	NUM
ajfa-10274	78	41	14.05	14.05	NUM
ajfa-10274	78	42	%	%	NOUN
ajfa-10274	78	43	)	)	PUNCT
ajfa-10274	78	44	.	.	PUNCT
ajfa-10274	79	1	when	when	SCONJ
ajfa-10274	79	2	the	the	DET
ajfa-10274	79	3	mean	mean	NOUN
ajfa-10274	79	4	of	of	ADP
ajfa-10274	79	5	real	real	ADJ
ajfa-10274	79	6	exchange	exchange	NOUN
ajfa-10274	79	7	rate	rate	NOUN
ajfa-10274	79	8	is1.5	is1.5	NOUN
ajfa-10274	79	9	%	%	NOUN
ajfa-10274	79	10	,	,	PUNCT
ajfa-10274	79	11	real	real	ADJ
ajfa-10274	79	12	interest	interest	NOUN
ajfa-10274	79	13	rate	rate	NOUN
ajfa-10274	79	14	has	have	VERB
ajfa-10274	79	15	a	a	DET
ajfa-10274	79	16	15.8	15.8	NUM
ajfa-10274	79	17	%	%	NOUN
ajfa-10274	79	18	mean	mean	NOUN
ajfa-10274	79	19	value	value	NOUN
ajfa-10274	79	20	for	for	ADP
ajfa-10274	79	21	2007	2007	NUM
ajfa-10274	79	22	-	-	SYM
ajfa-10274	79	23	2014	2014	NUM
ajfa-10274	79	24	periods	period	NOUN
ajfa-10274	79	25	.	.	PUNCT
ajfa-10274	80	1	3.2	3.2	NUM
ajfa-10274	80	2	correlation	correlation	NOUN
ajfa-10274	80	3	analysis	analysis	NOUN
ajfa-10274	80	4	the	the	DET
ajfa-10274	80	5	table	table	NOUN
ajfa-10274	80	6	below	below	ADV
ajfa-10274	80	7	explains	explain	VERB
ajfa-10274	80	8	the	the	DET
ajfa-10274	80	9	correlation	correlation	NOUN
ajfa-10274	80	10	of	of	ADP
ajfa-10274	80	11	the	the	DET
ajfa-10274	80	12	profitability	profitability	NOUN
ajfa-10274	80	13	variable	variable	NOUN
ajfa-10274	80	14	(	(	PUNCT
ajfa-10274	80	15	roa)with	roa)with	ADP
ajfa-10274	80	16	that	that	PRON
ajfa-10274	80	17	of	of	ADP
ajfa-10274	80	18	the	the	DET
ajfa-10274	80	19	factors	factor	NOUN
ajfa-10274	80	20	which	which	PRON
ajfa-10274	80	21	influences	influence	VERB
ajfa-10274	80	22	profitability	profitability	NOUN
ajfa-10274	80	23	in	in	ADP
ajfa-10274	80	24	the	the	DET
ajfa-10274	80	25	ghanaian	ghanaian	ADJ
ajfa-10274	80	26	banking	banking	NOUN
ajfa-10274	80	27	industry	industry	NOUN
ajfa-10274	80	28	.	.	PUNCT
ajfa-10274	81	1	table	table	NOUN
ajfa-10274	81	2	3	3	NUM
ajfa-10274	81	3	.	.	PUNCT
ajfa-10274	81	4	correlation	correlation	NOUN
ajfa-10274	81	5	matrix	matrix	NOUN
ajfa-10274	81	6	roa	roa	PROPN
ajfa-10274	81	7	size	size	NOUN
ajfa-10274	81	8	loan	loan	PROPN
ajfa-10274	81	9	dep	dep	PROPN
ajfa-10274	81	10	cap	cap	PROPN
ajfa-10274	81	11	over	over	ADP
ajfa-10274	81	12	gdp	gdp	PROPN
ajfa-10274	81	13	exr	exr	PROPN
ajfa-10274	81	14	itr	itr	PROPN
ajfa-10274	81	15	roa	roa	PROPN
ajfa-10274	81	16	1.0000	1.0000	NUM
ajfa-10274	81	17	size	size	NOUN
ajfa-10274	81	18	0.4430	0.4430	NUM
ajfa-10274	81	19	*	*	SYM
ajfa-10274	81	20	1.0000	1.0000	NUM
ajfa-10274	81	21	0.0000	0.0000	NUM
ajfa-10274	81	22	loan	loan	NOUN
ajfa-10274	81	23	-0.0313	-0.0313	NOUN
ajfa-10274	81	24	-0.1111	-0.1111	PROPN
ajfa-10274	82	1	1.0000	1.0000	NUM
ajfa-10274	82	2	0.6905	0.6905	NUM
ajfa-10274	82	3	0.1581	0.1581	NUM
ajfa-10274	82	4	dep	dep	NOUN
ajfa-10274	82	5	-0.0338	-0.0338	NOUN
ajfa-10274	82	6	0.1347	0.1347	PROPN
ajfa-10274	82	7	0.0003	0.0003	NUM
ajfa-10274	82	8	1.0000	1.0000	NUM
ajfa-10274	82	9	0.6677	0.6677	NUM
ajfa-10274	82	10	0.0864	0.0864	NUM
ajfa-10274	82	11	0.9967	0.9967	NUM
ajfa-10274	82	12	cap	cap	NOUN
ajfa-10274	82	13	0.0961	0.0961	NUM
ajfa-10274	82	14	-0.4220	-0.4220	NOUN
ajfa-10274	82	15	*	*	NOUN
ajfa-10274	82	16	-0.1892	-0.1892	NOUN
ajfa-10274	82	17	*	*	PUNCT
ajfa-10274	82	18	-0.3918	-0.3918	NOUN
ajfa-10274	82	19	*	*	NOUN
ajfa-10274	82	20	1.0000	1.0000	NUM
ajfa-10274	82	21	0.221	0.221	NUM
ajfa-10274	82	22	0.0000	0.0000	NUM
ajfa-10274	82	23	0.0146	0.0146	NUM
ajfa-10274	82	24	0.0000	0.0000	NUM
ajfa-10274	82	25	over	over	ADP
ajfa-10274	82	26	.	.	PUNCT
ajfa-10274	82	27	-0.5723	-0.5723	PROPN
ajfa-10274	82	28	*	*	PUNCT
ajfa-10274	83	1	-0.2099	-0.2099	PROPN
ajfa-10274	83	2	*	*	PUNCT
ajfa-10274	83	3	0.0758	0.0758	NUM
ajfa-10274	83	4	0.0089	0.0089	NUM
ajfa-10274	83	5	-0.0929	-0.0929	VERB
ajfa-10274	83	6	1.0000	1.0000	NUM
ajfa-10274	83	7	0.0000	0.0000	NUM
ajfa-10274	83	8	0.0135	0.0135	NUM
ajfa-10274	83	9	0.3732	0.3732	NUM
ajfa-10274	83	10	0.9165	0.9165	NUM
ajfa-10274	83	11	0.2749	0.2749	NUM
ajfa-10274	83	12	gdp	gdp	NOUN
ajfa-10274	83	13	-0.1275	-0.1275	PROPN
ajfa-10274	83	14	-0.0680	-0.0680	PROPN
ajfa-10274	84	1	-0.1499	-0.1499	X
ajfa-10274	85	1	0.0288	0.0288	NUM
ajfa-10274	85	2	-0.0591	-0.0591	NOUN
ajfa-10274	85	3	0.0508	0.0508	NUM
ajfa-10274	85	4	1.0000	1.0000	NUM
ajfa-10274	85	5	0.1028	0.1028	NUM
ajfa-10274	85	6	0.3869	0.3869	NUM
ajfa-10274	85	7	0.0538	0.0538	NUM
ajfa-10274	85	8	0.7125	0.7125	NUM
ajfa-10274	86	1	0.4491	0.4491	NUM
ajfa-10274	86	2	0.5512	0.5512	NUM
ajfa-10274	86	3	exr	exr	X
ajfa-10274	86	4	-0.2464	-0.2464	NOUN
ajfa-10274	86	5	*	*	PUNCT
ajfa-10274	86	6	-0.4557	-0.4557	PROPN
ajfa-10274	86	7	*	*	PUNCT
ajfa-10274	87	1	0.1857	0.1857	NUM
ajfa-10274	87	2	*	*	PUNCT
ajfa-10274	87	3	-0.0873	-0.0873	NOUN
ajfa-10274	87	4	-0.0244	-0.0244	VERB
ajfa-10274	87	5	0.0700	0.0700	NUM
ajfa-10274	87	6	-0.1299	-0.1299	NOUN
ajfa-10274	87	7	1.0000	1.0000	NUM
ajfa-10274	87	8	0.0014	0.0014	NUM
ajfa-10274	87	9	0.0000	0.0000	NUM
ajfa-10274	87	10	0.0166	0.0166	NUM
ajfa-10274	87	11	0.2635	0.2635	NUM
ajfa-10274	87	12	0.7549	0.7549	NUM
ajfa-10274	87	13	0.4112	0.4112	NUM
ajfa-10274	87	14	0.0933	0.0933	NUM
ajfa-10274	87	15	itr	itr	NOUN
ajfa-10274	87	16	0.1184	0.1184	PUNCT
ajfa-10274	87	17	0.1820	0.1820	NUM
ajfa-10274	87	18	*	*	PUNCT
ajfa-10274	87	19	0.0608	0.0608	NUM
ajfa-10274	87	20	0.0367	0.0367	NUM
ajfa-10274	87	21	-0.0546	-0.0546	NOUN
ajfa-10274	87	22	0.028	0.028	NUM
ajfa-10274	87	23	-0.2816	-0.2816	PROPN
ajfa-10274	87	24	*	*	PUNCT
ajfa-10274	87	25	-0.3828	-0.3828	PROPN
ajfa-10274	87	26	*	*	NOUN
ajfa-10274	88	1	1.0000	1.0000	NUM
ajfa-10274	88	2	0.1298	0.1298	NUM
ajfa-10274	88	3	0.0197	0.0197	NUM
ajfa-10274	88	4	0.4365	0.4365	NUM
ajfa-10274	88	5	0.6387	0.6387	NUM
ajfa-10274	88	6	0.4845	0.4845	NUM
ajfa-10274	88	7	0.7423	0.7423	NUM
ajfa-10274	88	8	0.0002	0.0002	NUM
ajfa-10274	88	9	0.0000	0.0000	NUM
ajfa-10274	88	10	source	source	NOUN
ajfa-10274	88	11	:	:	PUNCT
ajfa-10274	88	12	authors	author	NOUN
ajfa-10274	88	13	’	'	PUNCT
ajfa-10274	88	14	estimations	estimation	NOUN
ajfa-10274	88	15	the	the	DET
ajfa-10274	88	16	above	above	ADJ
ajfa-10274	88	17	table	table	NOUN
ajfa-10274	88	18	shows	show	VERB
ajfa-10274	88	19	the	the	DET
ajfa-10274	88	20	correlation	correlation	NOUN
ajfa-10274	88	21	analysis	analysis	NOUN
ajfa-10274	88	22	between	between	ADP
ajfa-10274	88	23	the	the	DET
ajfa-10274	88	24	dependant	dependant	ADJ
ajfa-10274	88	25	variable	variable	NOUN
ajfa-10274	88	26	and	and	CCONJ
ajfa-10274	88	27	the	the	DET
ajfa-10274	88	28	independent	independent	ADJ
ajfa-10274	88	29	variables	variable	NOUN
ajfa-10274	88	30	.	.	PUNCT
ajfa-10274	89	1	with	with	ADP
ajfa-10274	89	2	our	our	PRON
ajfa-10274	89	3	micro	micro	ADJ
ajfa-10274	89	4	level	level	NOUN
ajfa-10274	89	5	variables	variable	NOUN
ajfa-10274	89	6	,	,	PUNCT
ajfa-10274	89	7	firm	firm	ADJ
ajfa-10274	89	8	sze	sze	PROPN
ajfa-10274	89	9	and	and	CCONJ
ajfa-10274	89	10	overheads	overhead	NOUN
ajfa-10274	89	11	are	be	AUX
ajfa-10274	89	12	significantly	significantly	ADV
ajfa-10274	89	13	impacting	impact	VERB
ajfa-10274	89	14	on	on	ADP
ajfa-10274	89	15	roa	roa	PROPN
ajfa-10274	89	16	.	.	PUNCT
ajfa-10274	90	1	the	the	DET
ajfa-10274	90	2	correlation	correlation	NOUN
ajfa-10274	90	3	between	between	ADP
ajfa-10274	90	4	size	size	NOUN
ajfa-10274	90	5	and	and	CCONJ
ajfa-10274	90	6	roa	roa	NOUN
ajfa-10274	90	7	is	be	AUX
ajfa-10274	90	8	positively	positively	ADV
ajfa-10274	90	9	correlated	correlate	VERB
ajfa-10274	90	10	indicating	indicate	VERB
ajfa-10274	90	11	that	that	SCONJ
ajfa-10274	90	12	when	when	SCONJ
ajfa-10274	90	13	the	the	DET
ajfa-10274	90	14	total	total	ADJ
ajfa-10274	90	15	asset	asset	NOUN
ajfa-10274	90	16	of	of	ADP
ajfa-10274	90	17	firms	firm	NOUN
ajfa-10274	90	18	increases	increase	VERB
ajfa-10274	90	19	,	,	PUNCT
ajfa-10274	90	20	its	its	PRON
ajfa-10274	90	21	profits	profit	NOUN
ajfa-10274	90	22	also	also	ADV
ajfa-10274	90	23	increase	increase	VERB
ajfa-10274	90	24	.	.	PUNCT
ajfa-10274	91	1	this	this	DET
ajfa-10274	91	2	result	result	NOUN
ajfa-10274	91	3	is	be	AUX
ajfa-10274	91	4	consistent	consistent	ADJ
ajfa-10274	91	5	with	with	ADP
ajfa-10274	91	6	the	the	DET
ajfa-10274	91	7	results	result	NOUN
ajfa-10274	91	8	of	of	ADP
ajfa-10274	91	9	antwi	antwi	ADV
ajfa-10274	91	10	-	-	PUNCT
ajfa-10274	91	11	asare	asare	PROPN
ajfa-10274	91	12	&	&	CCONJ
ajfa-10274	91	13	addison	addison	PROPN
ajfa-10274	91	14	(	(	PUNCT
ajfa-10274	91	15	2000	2000	NUM
ajfa-10274	91	16	)	)	PUNCT
ajfa-10274	91	17	who	who	PRON
ajfa-10274	91	18	studied	study	VERB
ajfa-10274	91	19	the	the	DET
ajfa-10274	91	20	financial	financial	ADJ
ajfa-10274	91	21	sector	sector	NOUN
ajfa-10274	91	22	reforms	reform	NOUN
ajfa-10274	91	23	have	have	AUX
ajfa-10274	91	24	influenced	influence	VERB
ajfa-10274	91	25	bank	bank	NOUN
ajfa-10274	91	26	performance	performance	NOUN
ajfa-10274	91	27	in	in	ADP
ajfa-10274	91	28	ghana	ghana	PROPN
ajfa-10274	91	29	.	.	PUNCT
ajfa-10274	92	1	this	this	DET
ajfa-10274	92	2	result	result	NOUN
ajfa-10274	92	3	also	also	ADV
ajfa-10274	92	4	refutes	refute	VERB
ajfa-10274	92	5	the	the	DET
ajfa-10274	92	6	results	result	NOUN
ajfa-10274	92	7	of	of	ADP
ajfa-10274	92	8	mensah	mensah	PROPN
ajfa-10274	92	9	-	-	PUNCT
ajfa-10274	92	10	mawutor	mawutor	PROPN
ajfa-10274	92	11	&	&	CCONJ
ajfa-10274	92	12	awah	awah	PROPN
ajfa-10274	92	13	(	(	PUNCT
ajfa-10274	92	14	2015	2015	NUM
ajfa-10274	92	15	)	)	PUNCT
ajfa-10274	92	16	;	;	PUNCT
ajfa-10274	92	17	tetteh	tetteh	NOUN
ajfa-10274	92	18	(	(	PUNCT
ajfa-10274	92	19	2014	2014	NUM
ajfa-10274	92	20	)	)	PUNCT
ajfa-10274	92	21	that	that	SCONJ
ajfa-10274	92	22	the	the	DET
ajfa-10274	92	23	roa	roa	NOUN
ajfa-10274	92	24	is	be	AUX
ajfa-10274	92	25	negatively	negatively	ADV
ajfa-10274	92	26	correlated	correlate	VERB
ajfa-10274	92	27	with	with	ADP
ajfa-10274	92	28	bank	bank	NOUN
ajfa-10274	92	29	size	size	NOUN
ajfa-10274	92	30	among	among	ADP
ajfa-10274	92	31	ghanaian	ghanaian	ADJ
ajfa-10274	92	32	banks	bank	NOUN
ajfa-10274	92	33	.	.	PUNCT
ajfa-10274	93	1	bank	bank	NOUN
ajfa-10274	93	2	overheads	overhead	NOUN
ajfa-10274	93	3	also	also	ADV
ajfa-10274	93	4	have	have	VERB
ajfa-10274	93	5	a	a	DET
ajfa-10274	93	6	negative	negative	ADJ
ajfa-10274	93	7	correlation	correlation	NOUN
ajfa-10274	93	8	with	with	ADP
ajfa-10274	93	9	roa	roa	NOUN
ajfa-10274	93	10	as	as	SCONJ
ajfa-10274	93	11	expected	expect	VERB
ajfa-10274	93	12	.	.	PUNCT
ajfa-10274	94	1	however	however	ADV
ajfa-10274	94	2	this	this	DET
ajfa-10274	94	3	result	result	NOUN
ajfa-10274	94	4	is	be	AUX
ajfa-10274	94	5	not	not	PART
ajfa-10274	94	6	in	in	ADP
ajfa-10274	94	7	agreement	agreement	NOUN
ajfa-10274	94	8	with	with	ADP
ajfa-10274	94	9	the	the	DET
ajfa-10274	94	10	results	result	NOUN
ajfa-10274	94	11	of	of	ADP
ajfa-10274	94	12	naceur	naceur	ADJ
ajfa-10274	94	13	(	(	PUNCT
ajfa-10274	94	14	2003	2003	NUM
ajfa-10274	94	15	)	)	PUNCT
ajfa-10274	94	16	whose	whose	DET
ajfa-10274	94	17	results	result	NOUN
ajfa-10274	94	18	indicated	indicate	VERB
ajfa-10274	94	19	a	a	DET
ajfa-10274	94	20	positive	positive	ADJ
ajfa-10274	94	21	correlation	correlation	NOUN
ajfa-10274	94	22	between	between	ADP
ajfa-10274	94	23	overheads	overhead	NOUN
ajfa-10274	94	24	and	and	CCONJ
ajfa-10274	94	25	roa	roa	NOUN
ajfa-10274	94	26	among	among	ADP
ajfa-10274	94	27	banks	bank	NOUN
ajfa-10274	94	28	.	.	PUNCT
ajfa-10274	95	1	the	the	DET
ajfa-10274	95	2	results	result	NOUN
ajfa-10274	95	3	also	also	ADV
ajfa-10274	95	4	shows	show	VERB
ajfa-10274	95	5	that	that	SCONJ
ajfa-10274	95	6	bank	bank	NOUN
ajfa-10274	95	7	loans	loan	NOUN
ajfa-10274	95	8	and	and	CCONJ
ajfa-10274	95	9	bank	bank	NOUN
ajfa-10274	95	10	deposits	deposit	NOUN
ajfa-10274	95	11	correlates	correlate	VERB
ajfa-10274	95	12	negatively	negatively	ADV
ajfa-10274	95	13	with	with	ADP
ajfa-10274	95	14	roa	roa	NOUN
ajfa-10274	95	15	and	and	CCONJ
ajfa-10274	95	16	is	be	AUX
ajfa-10274	95	17	consistent	consistent	ADJ
ajfa-10274	95	18	with	with	ADP
ajfa-10274	95	19	the	the	DET
ajfa-10274	95	20	findings	finding	NOUN
ajfa-10274	95	21	of	of	ADP
ajfa-10274	95	22	anbar	anbar	PROPN
ajfa-10274	95	23	&	&	CCONJ
ajfa-10274	95	24	alper	alper	PROPN
ajfa-10274	95	25	(	(	PUNCT
ajfa-10274	95	26	2011	2011	NUM
ajfa-10274	95	27	)	)	PUNCT
ajfa-10274	95	28	.	.	PUNCT
ajfa-10274	96	1	consistent	consistent	ADJ
ajfa-10274	96	2	with	with	ADP
ajfa-10274	96	3	the	the	DET
ajfa-10274	96	4	findings	finding	NOUN
ajfa-10274	96	5	of	of	ADP
ajfa-10274	96	6	naceur	naceur	ADJ
ajfa-10274	96	7	(	(	PUNCT
ajfa-10274	96	8	2003	2003	NUM
ajfa-10274	96	9	)	)	PUNCT
ajfa-10274	96	10	,	,	PUNCT
ajfa-10274	96	11	our	our	PRON
ajfa-10274	96	12	findings	finding	NOUN
ajfa-10274	96	13	was	be	AUX
ajfa-10274	96	14	indicated	indicate	VERB
ajfa-10274	96	15	bank	bank	NOUN
ajfa-10274	96	16	capital	capital	NOUN
ajfa-10274	96	17	correlates	correlate	VERB
ajfa-10274	96	18	positively	positively	ADV
ajfa-10274	96	19	with	with	ADP
ajfa-10274	96	20	roa	roa	PROPN
ajfa-10274	96	21	among	among	ADP
ajfa-10274	96	22	ghanaian	ghanaian	ADJ
ajfa-10274	96	23	banks	bank	NOUN
ajfa-10274	96	24	.	.	PUNCT
ajfa-10274	97	1	the	the	DET
ajfa-10274	97	2	results	result	NOUN
ajfa-10274	97	3	of	of	ADP
ajfa-10274	97	4	our	our	PRON
ajfa-10274	97	5	macro	macro	NOUN
ajfa-10274	97	6	-	-	NOUN
ajfa-10274	97	7	level	level	NOUN
ajfa-10274	97	8	variables	variable	NOUN
ajfa-10274	97	9	asian	asian	ADJ
ajfa-10274	97	10	journal	journal	NOUN
ajfa-10274	97	11	of	of	ADP
ajfa-10274	97	12	finance	finance	PROPN
ajfa-10274	97	13	&	&	CCONJ
ajfa-10274	97	14	accounting	accounting	PROPN
ajfa-10274	97	15	issn	issn	PROPN
ajfa-10274	97	16	1946	1946	NUM
ajfa-10274	97	17	-	-	PUNCT
ajfa-10274	97	18	052x	052x	PROPN
ajfa-10274	97	19	2016	2016	NUM
ajfa-10274	97	20	,	,	PUNCT
ajfa-10274	97	21	vol	vol	NOUN
ajfa-10274	97	22	.	.	PROPN
ajfa-10274	97	23	8	8	NUM
ajfa-10274	97	24	,	,	PUNCT
ajfa-10274	97	25	no	no	INTJ
ajfa-10274	97	26	.	.	NOUN
ajfa-10274	97	27	2	2	NUM
ajfa-10274	97	28	ajfa.macrothink.org	ajfa.macrothink.org	ADJ
ajfa-10274	97	29	200	200	NUM
ajfa-10274	97	30	indicated	indicate	VERB
ajfa-10274	97	31	that	that	SCONJ
ajfa-10274	97	32	roa	roa	PROPN
ajfa-10274	97	33	has	have	VERB
ajfa-10274	97	34	a	a	DET
ajfa-10274	97	35	negative	negative	ADJ
ajfa-10274	97	36	relationship	relationship	NOUN
ajfa-10274	97	37	with	with	ADP
ajfa-10274	97	38	gdp	gdp	NOUN
ajfa-10274	97	39	growth	growth	NOUN
ajfa-10274	97	40	and	and	CCONJ
ajfa-10274	97	41	exchange	exchange	NOUN
ajfa-10274	97	42	rate	rate	NOUN
ajfa-10274	97	43	while	while	SCONJ
ajfa-10274	97	44	is	be	AUX
ajfa-10274	97	45	positively	positively	ADV
ajfa-10274	97	46	correlated	correlate	VERB
ajfa-10274	97	47	with	with	ADP
ajfa-10274	97	48	interest	interest	NOUN
ajfa-10274	97	49	rate	rate	NOUN
ajfa-10274	97	50	.	.	PUNCT
ajfa-10274	98	1	3.3	3.3	NUM
ajfa-10274	98	2	empirical	empirical	ADJ
ajfa-10274	98	3	results	result	NOUN
ajfa-10274	98	4	from	from	ADP
ajfa-10274	98	5	panel	panel	NOUN
ajfa-10274	98	6	data	datum	NOUN
ajfa-10274	98	7	analysis	analysis	NOUN
ajfa-10274	98	8	table	table	NOUN
ajfa-10274	98	9	4	4	NUM
ajfa-10274	98	10	below	below	ADV
ajfa-10274	98	11	shows	show	VERB
ajfa-10274	98	12	two	two	NUM
ajfa-10274	98	13	different	different	ADJ
ajfa-10274	98	14	but	but	CCONJ
ajfa-10274	98	15	related	related	ADJ
ajfa-10274	98	16	models	model	NOUN
ajfa-10274	98	17	of	of	ADP
ajfa-10274	98	18	the	the	DET
ajfa-10274	98	19	empirical	empirical	ADJ
ajfa-10274	98	20	results	result	NOUN
ajfa-10274	98	21	of	of	ADP
ajfa-10274	98	22	this	this	DET
ajfa-10274	98	23	study	study	NOUN
ajfa-10274	98	24	to	to	PART
ajfa-10274	98	25	establish	establish	VERB
ajfa-10274	98	26	the	the	DET
ajfa-10274	98	27	factors	factor	NOUN
ajfa-10274	98	28	that	that	PRON
ajfa-10274	98	29	determines	determine	VERB
ajfa-10274	98	30	profitability	profitability	NOUN
ajfa-10274	98	31	in	in	ADP
ajfa-10274	98	32	the	the	DET
ajfa-10274	98	33	ghanaian	ghanaian	ADJ
ajfa-10274	98	34	banking	banking	NOUN
ajfa-10274	98	35	industry	industry	NOUN
ajfa-10274	98	36	in	in	ADP
ajfa-10274	98	37	relation	relation	NOUN
ajfa-10274	98	38	to	to	ADP
ajfa-10274	98	39	our	our	PRON
ajfa-10274	98	40	sample	sample	NOUN
ajfa-10274	98	41	.	.	PUNCT
ajfa-10274	99	1	the	the	DET
ajfa-10274	99	2	fixed	fix	VERB
ajfa-10274	99	3	effect	effect	NOUN
ajfa-10274	99	4	model	model	NOUN
ajfa-10274	99	5	was	be	AUX
ajfa-10274	99	6	first	first	ADV
ajfa-10274	99	7	run	run	VERB
ajfa-10274	99	8	and	and	CCONJ
ajfa-10274	99	9	we	we	PRON
ajfa-10274	99	10	assume	assume	VERB
ajfa-10274	99	11	that	that	SCONJ
ajfa-10274	99	12	unobserved	unobserved	ADJ
ajfa-10274	99	13	effects	effect	NOUN
ajfa-10274	99	14	are	be	AUX
ajfa-10274	99	15	correlated	correlate	VERB
ajfa-10274	99	16	with	with	ADP
ajfa-10274	99	17	the	the	DET
ajfa-10274	99	18	factors	factor	NOUN
ajfa-10274	99	19	of	of	ADP
ajfa-10274	99	20	profitability	profitability	NOUN
ajfa-10274	99	21	.	.	PUNCT
ajfa-10274	100	1	we	we	PRON
ajfa-10274	100	2	then	then	ADV
ajfa-10274	100	3	run	run	VERB
ajfa-10274	100	4	the	the	DET
ajfa-10274	100	5	random	random	ADJ
ajfa-10274	100	6	effects	effect	NOUN
ajfa-10274	100	7	model	model	NOUN
ajfa-10274	100	8	where	where	SCONJ
ajfa-10274	100	9	the	the	DET
ajfa-10274	100	10	initial	initial	ADJ
ajfa-10274	100	11	assumptions	assumption	NOUN
ajfa-10274	100	12	of	of	ADP
ajfa-10274	100	13	correlation	correlation	NOUN
ajfa-10274	100	14	are	be	AUX
ajfa-10274	100	15	reversed	reverse	VERB
ajfa-10274	100	16	on	on	ADP
ajfa-10274	100	17	the	the	DET
ajfa-10274	100	18	same	same	ADJ
ajfa-10274	100	19	covariates	covariate	NOUN
ajfa-10274	100	20	.	.	PUNCT
ajfa-10274	101	1	the	the	DET
ajfa-10274	101	2	hausman	hausman	PROPN
ajfa-10274	101	3	specification	specification	NOUN
ajfa-10274	101	4	test	test	NOUN
ajfa-10274	101	5	was	be	AUX
ajfa-10274	101	6	therefore	therefore	ADV
ajfa-10274	101	7	used	use	VERB
ajfa-10274	101	8	to	to	PART
ajfa-10274	101	9	determine	determine	VERB
ajfa-10274	101	10	and	and	CCONJ
ajfa-10274	101	11	select	select	VERB
ajfa-10274	101	12	one	one	NUM
ajfa-10274	101	13	model	model	NOUN
ajfa-10274	101	14	that	that	PRON
ajfa-10274	101	15	best	good	ADJ
ajfa-10274	101	16	suits	suit	VERB
ajfa-10274	101	17	the	the	DET
ajfa-10274	101	18	scenario	scenario	NOUN
ajfa-10274	101	19	for	for	ADP
ajfa-10274	101	20	our	our	PRON
ajfa-10274	101	21	sample	sample	NOUN
ajfa-10274	101	22	.	.	PUNCT
ajfa-10274	102	1	table	table	NOUN
ajfa-10274	102	2	4	4	NUM
ajfa-10274	102	3	below	below	ADV
ajfa-10274	102	4	also	also	ADV
ajfa-10274	102	5	shows	show	VERB
ajfa-10274	102	6	the	the	DET
ajfa-10274	102	7	parameters	parameter	NOUN
ajfa-10274	102	8	of	of	ADP
ajfa-10274	102	9	estimation	estimation	NOUN
ajfa-10274	102	10	and	and	CCONJ
ajfa-10274	102	11	standard	standard	ADJ
ajfa-10274	102	12	errors	error	NOUN
ajfa-10274	102	13	obtained	obtain	VERB
ajfa-10274	102	14	from	from	ADP
ajfa-10274	102	15	the	the	DET
ajfa-10274	102	16	fixed	fix	VERB
ajfa-10274	102	17	effects	effect	NOUN
ajfa-10274	102	18	model	model	NOUN
ajfa-10274	102	19	and	and	CCONJ
ajfa-10274	102	20	the	the	DET
ajfa-10274	102	21	random	random	ADJ
ajfa-10274	102	22	effects	effect	NOUN
ajfa-10274	102	23	model	model	NOUN
ajfa-10274	102	24	and	and	CCONJ
ajfa-10274	102	25	the	the	PRON
ajfa-10274	102	26	between	between	ADP
ajfa-10274	102	27	effects	effect	NOUN
ajfa-10274	102	28	model	model	NOUN
ajfa-10274	102	29	with	with	ADP
ajfa-10274	102	30	roa	roa	PROPN
ajfa-10274	102	31	as	as	ADP
ajfa-10274	102	32	the	the	DET
ajfa-10274	102	33	dependent	dependent	ADJ
ajfa-10274	102	34	variable	variable	NOUN
ajfa-10274	102	35	.	.	PUNCT
ajfa-10274	103	1	we	we	PRON
ajfa-10274	103	2	first	first	ADV
ajfa-10274	103	3	begin	begin	VERB
ajfa-10274	103	4	the	the	DET
ajfa-10274	103	5	regression	regression	NOUN
ajfa-10274	103	6	analysis	analysis	NOUN
ajfa-10274	103	7	with	with	ADP
ajfa-10274	103	8	the	the	DET
ajfa-10274	103	9	fe	fe	PROPN
ajfa-10274	103	10	model	model	NOUN
ajfa-10274	103	11	which	which	PRON
ajfa-10274	103	12	we	we	PRON
ajfa-10274	103	13	observed	observe	VERB
ajfa-10274	103	14	that	that	DET
ajfa-10274	103	15	size	size	NOUN
ajfa-10274	103	16	(	(	PUNCT
ajfa-10274	103	17	natural	natural	ADJ
ajfa-10274	103	18	log	log	NOUN
ajfa-10274	103	19	.	.	PUNCT
ajfa-10274	104	1	of	of	ADP
ajfa-10274	104	2	total	total	ADJ
ajfa-10274	104	3	assets	asset	NOUN
ajfa-10274	104	4	)	)	PUNCT
ajfa-10274	104	5	and	and	CCONJ
ajfa-10274	104	6	deposits	deposit	NOUN
ajfa-10274	104	7	to	to	PART
ajfa-10274	104	8	total	total	ADJ
ajfa-10274	104	9	assets	asset	NOUN
ajfa-10274	104	10	are	be	AUX
ajfa-10274	104	11	not	not	PART
ajfa-10274	104	12	significant	significant	ADJ
ajfa-10274	104	13	and	and	CCONJ
ajfa-10274	104	14	impacting	impact	VERB
ajfa-10274	104	15	on	on	ADP
ajfa-10274	104	16	profitability	profitability	NOUN
ajfa-10274	104	17	among	among	ADP
ajfa-10274	104	18	our	our	PRON
ajfa-10274	104	19	firm	firm	ADJ
ajfa-10274	104	20	-	-	PUNCT
ajfa-10274	104	21	level	level	NOUN
ajfa-10274	104	22	variables	variable	NOUN
ajfa-10274	104	23	.	.	PUNCT
ajfa-10274	105	1	loans	loan	NOUN
ajfa-10274	105	2	to	to	ADP
ajfa-10274	105	3	total	total	ADJ
ajfa-10274	105	4	assets	asset	NOUN
ajfa-10274	105	5	are	be	AUX
ajfa-10274	105	6	highly	highly	ADV
ajfa-10274	105	7	significant	significant	ADJ
ajfa-10274	105	8	and	and	CCONJ
ajfa-10274	105	9	impacts	impact	NOUN
ajfa-10274	105	10	on	on	ADP
ajfa-10274	105	11	profitability	profitability	NOUN
ajfa-10274	105	12	positively	positively	ADV
ajfa-10274	105	13	.	.	PUNCT
ajfa-10274	106	1	this	this	DET
ajfa-10274	106	2	positive	positive	ADJ
ajfa-10274	106	3	relationship	relationship	NOUN
ajfa-10274	106	4	indicates	indicate	VERB
ajfa-10274	106	5	that	that	SCONJ
ajfa-10274	106	6	the	the	DET
ajfa-10274	106	7	banks	bank	NOUN
ajfa-10274	106	8	are	be	AUX
ajfa-10274	106	9	able	able	ADJ
ajfa-10274	106	10	to	to	PART
ajfa-10274	106	11	generate	generate	VERB
ajfa-10274	106	12	more	more	ADJ
ajfa-10274	106	13	profits	profit	NOUN
ajfa-10274	106	14	when	when	SCONJ
ajfa-10274	106	15	they	they	PRON
ajfa-10274	106	16	give	give	VERB
ajfa-10274	106	17	out	out	ADP
ajfa-10274	106	18	more	more	ADJ
ajfa-10274	106	19	loans	loan	NOUN
ajfa-10274	106	20	to	to	ADP
ajfa-10274	106	21	customers	customer	NOUN
ajfa-10274	106	22	through	through	ADP
ajfa-10274	106	23	the	the	DET
ajfa-10274	106	24	interest	interest	NOUN
ajfa-10274	106	25	they	they	PRON
ajfa-10274	106	26	charge	charge	VERB
ajfa-10274	106	27	.	.	PUNCT
ajfa-10274	107	1	capital	capital	NOUN
ajfa-10274	107	2	to	to	ADP
ajfa-10274	107	3	total	total	ADJ
ajfa-10274	107	4	assets	asset	NOUN
ajfa-10274	107	5	is	be	AUX
ajfa-10274	107	6	also	also	ADV
ajfa-10274	107	7	significant	significant	ADJ
ajfa-10274	107	8	and	and	CCONJ
ajfa-10274	107	9	impacts	impact	NOUN
ajfa-10274	107	10	positively	positively	ADV
ajfa-10274	107	11	on	on	ADP
ajfa-10274	107	12	roa	roa	NOUN
ajfa-10274	107	13	and	and	CCONJ
ajfa-10274	107	14	this	this	PRON
ajfa-10274	107	15	indicate	indicate	VERB
ajfa-10274	107	16	that	that	SCONJ
ajfa-10274	107	17	as	as	SCONJ
ajfa-10274	107	18	banks	bank	NOUN
ajfa-10274	107	19	are	be	AUX
ajfa-10274	107	20	able	able	ADJ
ajfa-10274	107	21	to	to	PART
ajfa-10274	107	22	hold	hold	VERB
ajfa-10274	107	23	more	more	ADJ
ajfa-10274	107	24	capital	capital	NOUN
ajfa-10274	107	25	in	in	ADP
ajfa-10274	107	26	their	their	PRON
ajfa-10274	107	27	reserve	reserve	NOUN
ajfa-10274	107	28	,	,	PUNCT
ajfa-10274	107	29	it	it	PRON
ajfa-10274	107	30	increases	increase	VERB
ajfa-10274	107	31	their	their	PRON
ajfa-10274	107	32	capital	capital	NOUN
ajfa-10274	107	33	adequacy	adequacy	NOUN
ajfa-10274	107	34	ratio	ratio	NOUN
ajfa-10274	107	35	which	which	PRON
ajfa-10274	107	36	makes	make	VERB
ajfa-10274	107	37	them	they	PRON
ajfa-10274	107	38	liquid	liquid	ADJ
ajfa-10274	107	39	and	and	CCONJ
ajfa-10274	107	40	profitable	profitable	ADJ
ajfa-10274	107	41	.	.	PUNCT
ajfa-10274	108	1	lastly	lastly	ADV
ajfa-10274	108	2	on	on	ADP
ajfa-10274	108	3	the	the	DET
ajfa-10274	108	4	firm	firm	ADJ
ajfa-10274	108	5	-	-	PUNCT
ajfa-10274	108	6	level	level	NOUN
ajfa-10274	108	7	variables	variable	NOUN
ajfa-10274	108	8	,	,	PUNCT
ajfa-10274	108	9	overhead	overhead	ADV
ajfa-10274	108	10	to	to	PART
ajfa-10274	108	11	total	total	ADJ
ajfa-10274	108	12	assets	asset	NOUN
ajfa-10274	108	13	is	be	AUX
ajfa-10274	108	14	highly	highly	ADV
ajfa-10274	108	15	significant	significant	ADJ
ajfa-10274	108	16	and	and	CCONJ
ajfa-10274	108	17	impacts	impact	NOUN
ajfa-10274	108	18	negatively	negatively	ADV
ajfa-10274	108	19	on	on	ADP
ajfa-10274	108	20	the	the	DET
ajfa-10274	108	21	profitability	profitability	NOUN
ajfa-10274	108	22	variable	variable	NOUN
ajfa-10274	108	23	.	.	PUNCT
ajfa-10274	109	1	this	this	PRON
ajfa-10274	109	2	indicates	indicate	VERB
ajfa-10274	109	3	that	that	SCONJ
ajfa-10274	109	4	as	as	SCONJ
ajfa-10274	109	5	the	the	DET
ajfa-10274	109	6	operational	operational	ADJ
ajfa-10274	109	7	cost	cost	NOUN
ajfa-10274	109	8	of	of	ADP
ajfa-10274	109	9	the	the	DET
ajfa-10274	109	10	banks	bank	NOUN
ajfa-10274	109	11	increases	increase	VERB
ajfa-10274	109	12	,	,	PUNCT
ajfa-10274	109	13	their	their	PRON
ajfa-10274	109	14	profit	profit	NOUN
ajfa-10274	109	15	also	also	ADV
ajfa-10274	109	16	decreases	decrease	VERB
ajfa-10274	109	17	.	.	PUNCT
ajfa-10274	110	1	all	all	DET
ajfa-10274	110	2	our	our	PRON
ajfa-10274	110	3	macro	macro	ADJ
ajfa-10274	110	4	-	-	NOUN
ajfa-10274	110	5	level	level	ADJ
ajfa-10274	110	6	variables	variable	NOUN
ajfa-10274	110	7	were	be	AUX
ajfa-10274	110	8	insignificant	insignificant	ADJ
ajfa-10274	110	9	except	except	SCONJ
ajfa-10274	110	10	exchange	exchange	NOUN
ajfa-10274	110	11	rate	rate	NOUN
ajfa-10274	110	12	which	which	PRON
ajfa-10274	110	13	has	have	VERB
ajfa-10274	110	14	a	a	DET
ajfa-10274	110	15	negative	negative	ADJ
ajfa-10274	110	16	impact	impact	NOUN
ajfa-10274	110	17	on	on	ADP
ajfa-10274	110	18	roa	roa	PROPN
ajfa-10274	110	19	.	.	PUNCT
ajfa-10274	111	1	for	for	ADP
ajfa-10274	111	2	the	the	DET
ajfa-10274	111	3	re	re	PROPN
ajfa-10274	111	4	model	model	NOUN
ajfa-10274	111	5	the	the	DET
ajfa-10274	111	6	research	research	NOUN
ajfa-10274	111	7	observes	observe	VERB
ajfa-10274	111	8	same	same	ADJ
ajfa-10274	111	9	results	result	NOUN
ajfa-10274	111	10	as	as	ADP
ajfa-10274	111	11	the	the	DET
ajfa-10274	111	12	fe	fe	PROPN
ajfa-10274	111	13	model	model	NOUN
ajfa-10274	111	14	in	in	ADP
ajfa-10274	111	15	terms	term	NOUN
ajfa-10274	111	16	of	of	ADP
ajfa-10274	111	17	our	our	PRON
ajfa-10274	111	18	loan	loan	NOUN
ajfa-10274	111	19	,	,	PUNCT
ajfa-10274	111	20	deposits	deposit	NOUN
ajfa-10274	111	21	,	,	PUNCT
ajfa-10274	111	22	capital	capital	NOUN
ajfa-10274	111	23	and	and	CCONJ
ajfa-10274	111	24	overhead	overhead	ADJ
ajfa-10274	111	25	variables	variable	NOUN
ajfa-10274	111	26	.	.	PUNCT
ajfa-10274	112	1	the	the	DET
ajfa-10274	112	2	only	only	ADJ
ajfa-10274	112	3	difference	difference	NOUN
ajfa-10274	112	4	was	be	AUX
ajfa-10274	112	5	the	the	DET
ajfa-10274	112	6	bank	bank	NOUN
ajfa-10274	112	7	size	size	NOUN
ajfa-10274	112	8	which	which	PRON
ajfa-10274	112	9	under	under	ADP
ajfa-10274	112	10	the	the	DET
ajfa-10274	112	11	re	re	PROPN
ajfa-10274	112	12	model	model	NOUN
ajfa-10274	112	13	was	be	AUX
ajfa-10274	112	14	highly	highly	ADV
ajfa-10274	112	15	significant	significant	ADJ
ajfa-10274	112	16	and	and	CCONJ
ajfa-10274	112	17	impacts	impact	NOUN
ajfa-10274	112	18	positively	positively	ADV
ajfa-10274	112	19	on	on	ADP
ajfa-10274	112	20	roa	roa	PROPN
ajfa-10274	112	21	.	.	PUNCT
ajfa-10274	113	1	this	this	PRON
ajfa-10274	113	2	means	mean	VERB
ajfa-10274	113	3	that	that	SCONJ
ajfa-10274	113	4	according	accord	VERB
ajfa-10274	113	5	to	to	ADP
ajfa-10274	113	6	the	the	DET
ajfa-10274	113	7	re	re	PROPN
ajfa-10274	113	8	model	model	PROPN
ajfa-10274	113	9	bank	bank	PROPN
ajfa-10274	113	10	size	size	NOUN
ajfa-10274	113	11	measured	measure	VERB
ajfa-10274	113	12	as	as	ADP
ajfa-10274	113	13	natural	natural	ADJ
ajfa-10274	113	14	log	log	NOUN
ajfa-10274	113	15	.	.	PUNCT
ajfa-10274	114	1	of	of	ADP
ajfa-10274	114	2	total	total	ADJ
ajfa-10274	114	3	assets	asset	NOUN
ajfa-10274	114	4	is	be	AUX
ajfa-10274	114	5	very	very	ADV
ajfa-10274	114	6	important	important	ADJ
ajfa-10274	114	7	and	and	CCONJ
ajfa-10274	114	8	highly	highly	ADV
ajfa-10274	114	9	determines	determine	VERB
ajfa-10274	114	10	profit	profit	NOUN
ajfa-10274	114	11	in	in	ADP
ajfa-10274	114	12	the	the	DET
ajfa-10274	114	13	ghanaian	ghanaian	ADJ
ajfa-10274	114	14	banking	banking	NOUN
ajfa-10274	114	15	industry	industry	NOUN
ajfa-10274	114	16	.	.	PUNCT
ajfa-10274	115	1	the	the	DET
ajfa-10274	115	2	results	result	NOUN
ajfa-10274	115	3	however	however	ADV
ajfa-10274	115	4	showed	show	VERB
ajfa-10274	115	5	no	no	DET
ajfa-10274	115	6	significance	significance	NOUN
ajfa-10274	115	7	and	and	CCONJ
ajfa-10274	115	8	impact	impact	NOUN
ajfa-10274	115	9	of	of	ADP
ajfa-10274	115	10	our	our	PRON
ajfa-10274	115	11	macro	macro	ADJ
ajfa-10274	115	12	-	-	NOUN
ajfa-10274	115	13	level	level	NOUN
ajfa-10274	115	14	variables	variable	NOUN
ajfa-10274	115	15	on	on	ADP
ajfa-10274	115	16	roa	roa	PROPN
ajfa-10274	115	17	under	under	ADP
ajfa-10274	115	18	the	the	DET
ajfa-10274	115	19	re	re	PROPN
ajfa-10274	115	20	model	model	PROPN
ajfa-10274	115	21	.	.	PUNCT
ajfa-10274	116	1	asian	asian	ADJ
ajfa-10274	116	2	journal	journal	PROPN
ajfa-10274	116	3	of	of	ADP
ajfa-10274	116	4	finance	finance	PROPN
ajfa-10274	116	5	&	&	CCONJ
ajfa-10274	116	6	accounting	accounting	PROPN
ajfa-10274	116	7	issn	issn	PROPN
ajfa-10274	116	8	1946	1946	NUM
ajfa-10274	116	9	-	-	PUNCT
ajfa-10274	116	10	052x	052x	PROPN
ajfa-10274	116	11	2016	2016	NUM
ajfa-10274	116	12	,	,	PUNCT
ajfa-10274	116	13	vol	vol	NOUN
ajfa-10274	116	14	.	.	PROPN
ajfa-10274	116	15	8	8	NUM
ajfa-10274	116	16	,	,	PUNCT
ajfa-10274	116	17	no	no	INTJ
ajfa-10274	116	18	.	.	NOUN
ajfa-10274	116	19	2	2	NUM
ajfa-10274	116	20	ajfa.macrothink.org	ajfa.macrothink.org	ADJ
ajfa-10274	116	21	201	201	NUM
ajfa-10274	116	22	table	table	NOUN
ajfa-10274	116	23	4	4	NUM
ajfa-10274	116	24	.	.	PUNCT
ajfa-10274	116	25	regression	regression	NOUN
ajfa-10274	116	26	models	model	NOUN
ajfa-10274	116	27	variables	variable	VERB
ajfa-10274	116	28	femodel	femodel	NOUN
ajfa-10274	116	29	(	(	PUNCT
ajfa-10274	116	30	roa	roa	NOUN
ajfa-10274	116	31	)	)	PUNCT
ajfa-10274	116	32	remodel(roa	remodel(roa	NOUN
ajfa-10274	116	33	)	)	PUNCT
ajfa-10274	116	34	size	size	NOUN
ajfa-10274	116	35	0.194	0.194	NUM
ajfa-10274	116	36	(	(	PUNCT
ajfa-10274	116	37	0.234	0.234	NUM
ajfa-10274	116	38	)	)	PUNCT
ajfa-10274	116	39	0.791	0.791	NUM
ajfa-10274	116	40	*	*	PUNCT
ajfa-10274	116	41	*	*	PUNCT
ajfa-10274	116	42	*	*	PUNCT
ajfa-10274	116	43	(	(	PUNCT
ajfa-10274	116	44	0.182	0.182	NUM
ajfa-10274	116	45	)	)	PUNCT
ajfa-10274	116	46	loan	loan	NOUN
ajfa-10274	116	47	0.0612	0.0612	NUM
ajfa-10274	116	48	*	*	NOUN
ajfa-10274	116	49	*	*	PUNCT
ajfa-10274	116	50	(	(	PUNCT
ajfa-10274	116	51	0.0227	0.0227	NUM
ajfa-10274	116	52	)	)	PUNCT
ajfa-10274	116	53	0.0440	0.0440	NUM
ajfa-10274	116	54	*	*	SYM
ajfa-10274	116	55	(	(	PUNCT
ajfa-10274	116	56	0.0183	0.0183	NUM
ajfa-10274	116	57	)	)	PUNCT
ajfa-10274	116	58	dep	dep	NOUN
ajfa-10274	116	59	.	.	PUNCT
ajfa-10274	116	60	-0.0121	-0.0121	PROPN
ajfa-10274	117	1	(	(	PUNCT
ajfa-10274	117	2	0.0231	0.0231	NUM
ajfa-10274	117	3	)	)	PUNCT
ajfa-10274	117	4	0.00404	0.00404	NUM
ajfa-10274	117	5	(	(	PUNCT
ajfa-10274	117	6	0.0116	0.0116	NUM
ajfa-10274	117	7	)	)	PUNCT
ajfa-10274	117	8	cap	cap	NOUN
ajfa-10274	117	9	.	.	PUNCT
ajfa-10274	118	1	0.0964	0.0964	NUM
ajfa-10274	118	2	*	*	PUNCT
ajfa-10274	118	3	(	(	PUNCT
ajfa-10274	118	4	0.0383	0.0383	NUM
ajfa-10274	118	5	)	)	PUNCT
ajfa-10274	118	6	0.0625	0.0625	NUM
ajfa-10274	118	7	*	*	PUNCT
ajfa-10274	118	8	(	(	PUNCT
ajfa-10274	118	9	0.0249	0.0249	NUM
ajfa-10274	118	10	)	)	PUNCT
ajfa-10274	118	11	over	over	ADV
ajfa-10274	118	12	.	.	PUNCT
ajfa-10274	119	1	-0.316	-0.316	PUNCT
ajfa-10274	119	2	*	*	PUNCT
ajfa-10274	119	3	*	*	PUNCT
ajfa-10274	119	4	*	*	PUNCT
ajfa-10274	119	5	(	(	PUNCT
ajfa-10274	119	6	0.0683	0.0683	NUM
ajfa-10274	119	7	)	)	PUNCT
ajfa-10274	119	8	-0.424	-0.424	PUNCT
ajfa-10274	119	9	*	*	PUNCT
ajfa-10274	119	10	*	*	PUNCT
ajfa-10274	119	11	*	*	PUNCT
ajfa-10274	119	12	(	(	PUNCT
ajfa-10274	119	13	0.0588	0.0588	NUM
ajfa-10274	119	14	)	)	PUNCT
ajfa-10274	119	15	gdp	gdp	NOUN
ajfa-10274	119	16	-0.0619	-0.0619	PROPN
ajfa-10274	119	17	(	(	PUNCT
ajfa-10274	119	18	0.0677	0.0677	NUM
ajfa-10274	119	19	)	)	PUNCT
ajfa-10274	119	20	-0.0300	-0.0300	X
ajfa-10274	120	1	(	(	PUNCT
ajfa-10274	120	2	0.0768	0.0768	NUM
ajfa-10274	120	3	)	)	PUNCT
ajfa-10274	120	4	exr	exr	PROPN
ajfa-10274	120	5	-1.635	-1.635	PROPN
ajfa-10274	120	6	*	*	PUNCT
ajfa-10274	120	7	(	(	PUNCT
ajfa-10274	120	8	0.709	0.709	NUM
ajfa-10274	120	9	)	)	PUNCT
ajfa-10274	120	10	-0.340	-0.340	NUM
ajfa-10274	120	11	(	(	PUNCT
ajfa-10274	120	12	0.686	0.686	NUM
ajfa-10274	120	13	)	)	PUNCT
ajfa-10274	120	14	itr	itr	NOUN
ajfa-10274	120	15	0.0515	0.0515	NUM
ajfa-10274	120	16	(	(	PUNCT
ajfa-10274	120	17	0.0957	0.0957	NUM
ajfa-10274	120	18	)	)	PUNCT
ajfa-10274	120	19	0.0412	0.0412	NUM
ajfa-10274	120	20	(	(	PUNCT
ajfa-10274	120	21	0.111	0.111	NUM
ajfa-10274	120	22	)	)	PUNCT
ajfa-10274	121	1	_	_	NOUN
ajfa-10274	121	2	cons	con	NOUN
ajfa-10274	121	3	-0.792	-0.792	PUNCT
ajfa-10274	121	4	(	(	PUNCT
ajfa-10274	121	5	6.487	6.487	NUM
ajfa-10274	121	6	)	)	PUNCT
ajfa-10274	121	7	-13.73	-13.73	PROPN
ajfa-10274	121	8	*	*	PUNCT
ajfa-10274	121	9	(	(	PUNCT
ajfa-10274	121	10	5.476	5.476	NUM
ajfa-10274	121	11	)	)	PUNCT
ajfa-10274	121	12	r	r	NOUN
ajfa-10274	121	13	-	-	PUNCT
ajfa-10274	121	14	sq	sq	NUM
ajfa-10274	121	15	0.397	0.397	NUM
ajfa-10274	121	16	aic	aic	PROPN
ajfa-10274	121	17	576.0	576.0	NUM
ajfa-10274	121	18	bic	bic	PROPN
ajfa-10274	121	19	602.3	602.3	NUM
ajfa-10274	121	20	f	f	NUM
ajfa-10274	121	21	8.878	8.878	NUM
ajfa-10274	121	22	n	n	NOUN
ajfa-10274	121	23	137	137	NUM
ajfa-10274	121	24	137	137	NUM
ajfa-10274	121	25	standard	standard	ADJ
ajfa-10274	121	26	errors	error	NOUN
ajfa-10274	121	27	in	in	ADP
ajfa-10274	121	28	parentheses	parenthesis	NOUN
ajfa-10274	121	29	*	*	PUNCT
ajfa-10274	121	30	p<0.05	p<0.05	NOUN
ajfa-10274	121	31	,	,	PUNCT
ajfa-10274	121	32	*	*	PUNCT
ajfa-10274	121	33	*	*	PUNCT
ajfa-10274	121	34	p<0.01	p<0.01	PROPN
ajfa-10274	121	35	,	,	PUNCT
ajfa-10274	121	36	*	*	PUNCT
ajfa-10274	121	37	*	*	PUNCT
ajfa-10274	121	38	*	*	PUNCT
ajfa-10274	121	39	p<0.00	p<0.00	PROPN
ajfa-10274	121	40	source	source	NOUN
ajfa-10274	121	41	:	:	PUNCT
ajfa-10274	121	42	authors	author	NOUN
ajfa-10274	121	43	’	'	PUNCT
ajfa-10274	121	44	estimations	estimation	VERB
ajfa-10274	121	45	the	the	DET
ajfa-10274	121	46	hausman	hausman	PROPN
ajfa-10274	121	47	specification	specification	NOUN
ajfa-10274	121	48	test	test	NOUN
ajfa-10274	121	49	was	be	AUX
ajfa-10274	121	50	performed	perform	VERB
ajfa-10274	121	51	on	on	ADP
ajfa-10274	121	52	the	the	DET
ajfa-10274	121	53	fixed	fix	VERB
ajfa-10274	121	54	and	and	CCONJ
ajfa-10274	121	55	random	random	ADJ
ajfa-10274	121	56	effect	effect	NOUN
ajfa-10274	121	57	model	model	NOUN
ajfa-10274	121	58	which	which	PRON
ajfa-10274	121	59	calculated	calculate	VERB
ajfa-10274	121	60	a	a	DET
ajfa-10274	121	61	chi2	chi2	NOUN
ajfa-10274	121	62	of	of	ADP
ajfa-10274	121	63	31.15	31.15	NUM
ajfa-10274	121	64	(	(	PUNCT
ajfa-10274	121	65	p	p	X
ajfa-10274	121	66	>	>	X
ajfa-10274	121	67	chi2=0.0001	chi2=0.0001	NOUN
ajfa-10274	121	68	)	)	PUNCT
ajfa-10274	121	69	.	.	PUNCT
ajfa-10274	122	1	chi2(8	chi2(8	NOUN
ajfa-10274	122	2	)	)	PUNCT
ajfa-10274	122	3	=	=	PUNCT
ajfa-10274	122	4	(	(	PUNCT
ajfa-10274	122	5	b	b	X
ajfa-10274	122	6	-	-	PUNCT
ajfa-10274	122	7	b)'[(v_b	b)'[(v_b	NOUN
ajfa-10274	122	8	-	-	PUNCT
ajfa-10274	122	9	v_b)^(-1)](b	v_b)^(-1)](b	NOUN
ajfa-10274	122	10	-	-	PUNCT
ajfa-10274	122	11	b	b	NOUN
ajfa-10274	122	12	)	)	PUNCT
ajfa-10274	122	13	=	=	SYM
ajfa-10274	122	14	31.15	31.15	NUM
ajfa-10274	122	15	prob	prob	NOUN
ajfa-10274	122	16	>	>	X
ajfa-10274	122	17	chi2	chi2	PROPN
ajfa-10274	122	18	=	=	NOUN
ajfa-10274	122	19	0.0001	0.0001	NUM
ajfa-10274	122	20	(	(	PUNCT
ajfa-10274	122	21	v_b	v_b	NOUN
ajfa-10274	122	22	-	-	PUNCT
ajfa-10274	122	23	v_b	v_b	NUM
ajfa-10274	122	24	is	be	AUX
ajfa-10274	122	25	not	not	PART
ajfa-10274	122	26	positive	positive	ADJ
ajfa-10274	122	27	definite	definite	ADJ
ajfa-10274	122	28	)	)	PUNCT
ajfa-10274	122	29	asian	asian	ADJ
ajfa-10274	122	30	journal	journal	NOUN
ajfa-10274	122	31	of	of	ADP
ajfa-10274	122	32	finance	finance	PROPN
ajfa-10274	122	33	&	&	CCONJ
ajfa-10274	122	34	accounting	accounting	PROPN
ajfa-10274	122	35	issn	issn	PROPN
ajfa-10274	122	36	1946	1946	NUM
ajfa-10274	122	37	-	-	PUNCT
ajfa-10274	122	38	052x	052x	PROPN
ajfa-10274	122	39	2016	2016	NUM
ajfa-10274	122	40	,	,	PUNCT
ajfa-10274	122	41	vol	vol	NOUN
ajfa-10274	122	42	.	.	PROPN
ajfa-10274	122	43	8	8	NUM
ajfa-10274	122	44	,	,	PUNCT
ajfa-10274	122	45	no	no	INTJ
ajfa-10274	122	46	.	.	NOUN
ajfa-10274	122	47	2	2	NUM
ajfa-10274	122	48	ajfa.macrothink.org	ajfa.macrothink.org	NOUN
ajfa-10274	122	49	202	202	NUM
ajfa-10274	122	50	with	with	ADP
ajfa-10274	122	51	this	this	DET
ajfa-10274	122	52	result	result	NOUN
ajfa-10274	122	53	we	we	PRON
ajfa-10274	122	54	confidently	confidently	ADV
ajfa-10274	122	55	accept	accept	VERB
ajfa-10274	122	56	the	the	DET
ajfa-10274	122	57	result	result	NOUN
ajfa-10274	122	58	of	of	ADP
ajfa-10274	122	59	the	the	DET
ajfa-10274	122	60	fixed	fix	VERB
ajfa-10274	122	61	effect	effect	NOUN
ajfa-10274	122	62	model	model	NOUN
ajfa-10274	122	63	as	as	ADP
ajfa-10274	122	64	the	the	DET
ajfa-10274	122	65	appropriate	appropriate	ADJ
ajfa-10274	122	66	result	result	NOUN
ajfa-10274	122	67	for	for	ADP
ajfa-10274	122	68	this	this	DET
ajfa-10274	122	69	study	study	NOUN
ajfa-10274	122	70	.	.	PUNCT
ajfa-10274	123	1	4	4	X
ajfa-10274	123	2	.	.	X
ajfa-10274	123	3	conclusion	conclusion	NOUN
ajfa-10274	123	4	and	and	CCONJ
ajfa-10274	123	5	recommendation	recommendation	NOUN
ajfa-10274	123	6	this	this	DET
ajfa-10274	123	7	study	study	NOUN
ajfa-10274	123	8	investigates	investigate	VERB
ajfa-10274	123	9	the	the	DET
ajfa-10274	123	10	factors	factor	NOUN
ajfa-10274	123	11	of	of	ADP
ajfa-10274	123	12	bank	bank	NOUN
ajfa-10274	123	13	-	-	PUNCT
ajfa-10274	123	14	specific	specific	ADJ
ajfa-10274	123	15	characteristics	characteristic	NOUN
ajfa-10274	123	16	and	and	CCONJ
ajfa-10274	123	17	macroeconomic	macroeconomic	ADJ
ajfa-10274	123	18	indicators	indicator	NOUN
ajfa-10274	123	19	on	on	ADP
ajfa-10274	123	20	bank	bank	NOUN
ajfa-10274	123	21	’s	’s	PART
ajfa-10274	123	22	profitability	profitability	NOUN
ajfa-10274	123	23	in	in	ADP
ajfa-10274	123	24	the	the	DET
ajfa-10274	123	25	ghanaian	ghanaian	ADJ
ajfa-10274	123	26	banking	banking	NOUN
ajfa-10274	123	27	industry	industry	NOUN
ajfa-10274	123	28	for	for	ADP
ajfa-10274	123	29	the	the	DET
ajfa-10274	123	30	2007	2007	NUM
ajfa-10274	123	31	-	-	SYM
ajfa-10274	123	32	2014	2014	NUM
ajfa-10274	123	33	periods	period	NOUN
ajfa-10274	123	34	.	.	PUNCT
ajfa-10274	124	1	the	the	DET
ajfa-10274	124	2	bank	bank	NOUN
ajfa-10274	124	3	specific	specific	ADJ
ajfa-10274	124	4	variables	variable	NOUN
ajfa-10274	124	5	used	use	VERB
ajfa-10274	124	6	in	in	ADP
ajfa-10274	124	7	this	this	DET
ajfa-10274	124	8	study	study	NOUN
ajfa-10274	124	9	include	include	VERB
ajfa-10274	124	10	the	the	DET
ajfa-10274	124	11	size	size	NOUN
ajfa-10274	124	12	of	of	ADP
ajfa-10274	124	13	the	the	DET
ajfa-10274	124	14	bank	bank	NOUN
ajfa-10274	124	15	loans	loan	NOUN
ajfa-10274	124	16	,	,	PUNCT
ajfa-10274	124	17	deposit	deposit	NOUN
ajfa-10274	124	18	and	and	CCONJ
ajfa-10274	124	19	overheads	overhead	NOUN
ajfa-10274	124	20	whilst	whilst	SCONJ
ajfa-10274	124	21	the	the	DET
ajfa-10274	124	22	macroeconomic	macroeconomic	ADJ
ajfa-10274	124	23	variables	variable	NOUN
ajfa-10274	124	24	used	use	VERB
ajfa-10274	124	25	were	be	AUX
ajfa-10274	124	26	gdp	gdp	NOUN
ajfa-10274	124	27	growth	growth	NOUN
ajfa-10274	124	28	,	,	PUNCT
ajfa-10274	124	29	interest	interest	NOUN
ajfa-10274	124	30	rate	rate	NOUN
ajfa-10274	124	31	and	and	CCONJ
ajfa-10274	124	32	exchange	exchange	NOUN
ajfa-10274	124	33	rate	rate	NOUN
ajfa-10274	124	34	.	.	PUNCT
ajfa-10274	125	1	the	the	DET
ajfa-10274	125	2	results	result	NOUN
ajfa-10274	125	3	from	from	ADP
ajfa-10274	125	4	the	the	DET
ajfa-10274	125	5	fixed	fix	VERB
ajfa-10274	125	6	effect	effect	NOUN
ajfa-10274	125	7	regression	regression	NOUN
ajfa-10274	125	8	models	model	NOUN
ajfa-10274	125	9	indicated	indicate	VERB
ajfa-10274	125	10	that	that	SCONJ
ajfa-10274	125	11	bank	bank	NOUN
ajfa-10274	125	12	loans	loan	NOUN
ajfa-10274	125	13	and	and	CCONJ
ajfa-10274	125	14	capital	capital	NOUN
ajfa-10274	125	15	impacts	impact	NOUN
ajfa-10274	125	16	positively	positively	ADV
ajfa-10274	125	17	on	on	ADP
ajfa-10274	125	18	the	the	DET
ajfa-10274	125	19	profitability	profitability	NOUN
ajfa-10274	125	20	of	of	ADP
ajfa-10274	125	21	ghanaian	ghanaian	ADJ
ajfa-10274	125	22	banks	bank	NOUN
ajfa-10274	125	23	.	.	PUNCT
ajfa-10274	126	1	also	also	ADV
ajfa-10274	126	2	the	the	DET
ajfa-10274	126	3	banks	bank	NOUN
ajfa-10274	126	4	should	should	AUX
ajfa-10274	126	5	reduce	reduce	VERB
ajfa-10274	126	6	their	their	PRON
ajfa-10274	126	7	overhead	overhead	ADJ
ajfa-10274	126	8	cost	cost	NOUN
ajfa-10274	126	9	to	to	PART
ajfa-10274	126	10	gain	gain	VERB
ajfa-10274	126	11	more	more	ADJ
ajfa-10274	126	12	profit	profit	NOUN
ajfa-10274	126	13	since	since	SCONJ
ajfa-10274	126	14	the	the	DET
ajfa-10274	126	15	results	result	NOUN
ajfa-10274	126	16	showed	show	VERB
ajfa-10274	126	17	a	a	DET
ajfa-10274	126	18	highly	highly	ADV
ajfa-10274	126	19	negative	negative	ADJ
ajfa-10274	126	20	significance	significance	NOUN
ajfa-10274	126	21	on	on	ADP
ajfa-10274	126	22	profitability	profitability	NOUN
ajfa-10274	126	23	.	.	PUNCT
ajfa-10274	127	1	bank	bank	NOUN
ajfa-10274	127	2	size	size	NOUN
ajfa-10274	127	3	and	and	CCONJ
ajfa-10274	127	4	bank	bank	NOUN
ajfa-10274	127	5	deposit	deposit	NOUN
ajfa-10274	127	6	did	do	AUX
ajfa-10274	127	7	not	not	PART
ajfa-10274	127	8	have	have	VERB
ajfa-10274	127	9	any	any	DET
ajfa-10274	127	10	impact	impact	NOUN
ajfa-10274	127	11	on	on	ADP
ajfa-10274	127	12	profitability	profitability	NOUN
ajfa-10274	127	13	.	.	PUNCT
ajfa-10274	128	1	the	the	DET
ajfa-10274	128	2	results	result	NOUN
ajfa-10274	128	3	further	far	ADV
ajfa-10274	128	4	showed	show	VERB
ajfa-10274	128	5	that	that	SCONJ
ajfa-10274	128	6	with	with	ADP
ajfa-10274	128	7	the	the	DET
ajfa-10274	128	8	macroeconomic	macroeconomic	ADJ
ajfa-10274	128	9	indicators	indicator	NOUN
ajfa-10274	128	10	,	,	PUNCT
ajfa-10274	128	11	only	only	ADV
ajfa-10274	128	12	exchange	exchange	NOUN
ajfa-10274	128	13	rate	rate	NOUN
ajfa-10274	128	14	was	be	AUX
ajfa-10274	128	15	found	find	VERB
ajfa-10274	128	16	to	to	PART
ajfa-10274	128	17	be	be	AUX
ajfa-10274	128	18	impacting	impact	VERB
ajfa-10274	128	19	negatively	negatively	ADV
ajfa-10274	128	20	on	on	ADP
ajfa-10274	128	21	profitability	profitability	NOUN
ajfa-10274	128	22	.	.	PUNCT
ajfa-10274	129	1	references	reference	NOUN
ajfa-10274	129	2	anarfi	anarfi	PROPN
ajfa-10274	129	3	,	,	PUNCT
ajfa-10274	129	4	d.	d.	PROPN
ajfa-10274	129	5	,	,	PUNCT
ajfa-10274	129	6	&	&	CCONJ
ajfa-10274	129	7	boateng	boateng	PROPN
ajfa-10274	129	8	,	,	PUNCT
ajfa-10274	129	9	k.	k.	PROPN
ajfa-10274	129	10	a.	a.	PROPN
ajfa-10274	129	11	(	(	PUNCT
ajfa-10274	129	12	2016	2016	NUM
ajfa-10274	129	13	)	)	PUNCT
ajfa-10274	129	14	.	.	PUNCT
ajfa-10274	130	1	the	the	DET
ajfa-10274	130	2	relationship	relationship	NOUN
ajfa-10274	130	3	between	between	ADP
ajfa-10274	130	4	working	work	VERB
ajfa-10274	130	5	capital	capital	NOUN
ajfa-10274	130	6	management	management	NOUN
ajfa-10274	130	7	and	and	CCONJ
ajfa-10274	130	8	profitability	profitability	NOUN
ajfa-10274	130	9	:	:	PUNCT
ajfa-10274	130	10	evidence	evidence	NOUN
ajfa-10274	130	11	from	from	ADP
ajfa-10274	130	12	the	the	DET
ajfa-10274	130	13	czech	czech	PROPN
ajfa-10274	130	14	agric	agric	NOUN
ajfa-10274	130	15	and	and	CCONJ
ajfa-10274	130	16	forest	forest	NOUN
ajfa-10274	130	17	industry	industry	NOUN
ajfa-10274	130	18	.	.	PUNCT
ajfa-10274	131	1	researchers	researcher	NOUN
ajfa-10274	131	2	world	world	NOUN
ajfa-10274	131	3	,	,	PUNCT
ajfa-10274	131	4	7(3	7(3	NUM
ajfa-10274	131	5	)	)	PUNCT
ajfa-10274	131	6	,	,	PUNCT
ajfa-10274	131	7	109	109	NUM
ajfa-10274	131	8	.	.	PUNCT
ajfa-10274	131	9	antwi	antwi	PROPN
ajfa-10274	131	10	-	-	PUNCT
ajfa-10274	131	11	asare	asare	PROPN
ajfa-10274	131	12	,	,	PUNCT
ajfa-10274	131	13	t.	t.	PROPN
ajfa-10274	131	14	o.	o.	PROPN
ajfa-10274	131	15	,	,	PUNCT
ajfa-10274	131	16	&	&	CCONJ
ajfa-10274	131	17	addison	addison	PROPN
ajfa-10274	131	18	,	,	PUNCT
ajfa-10274	131	19	e.	e.	PROPN
ajfa-10274	131	20	k.	k.	PROPN
ajfa-10274	131	21	y.	y.	PROPN
ajfa-10274	131	22	(	(	PUNCT
ajfa-10274	131	23	2000	2000	NUM
ajfa-10274	131	24	)	)	PUNCT
ajfa-10274	131	25	.	.	PUNCT
ajfa-10274	132	1	financial	financial	ADJ
ajfa-10274	132	2	sector	sector	NOUN
ajfa-10274	132	3	reforms	reform	NOUN
ajfa-10274	132	4	and	and	CCONJ
ajfa-10274	132	5	bank	bank	NOUN
ajfa-10274	132	6	performance	performance	NOUN
ajfa-10274	132	7	in	in	ADP
ajfa-10274	132	8	ghana	ghana	PROPN
ajfa-10274	132	9	.	.	PUNCT
ajfa-10274	133	1	overseas	overseas	PROPN
ajfa-10274	133	2	development	development	PROPN
ajfa-10274	133	3	institute	institute	PROPN
ajfa-10274	133	4	.	.	PUNCT
ajfa-10274	134	1	arias	arias	PROPN
ajfa-10274	134	2	,	,	PUNCT
ajfa-10274	134	3	j.	j.	PROPN
ajfa-10274	134	4	c.	c.	PROPN
ajfa-10274	134	5	(	(	PUNCT
ajfa-10274	134	6	2011	2011	NUM
ajfa-10274	134	7	)	)	PUNCT
ajfa-10274	134	8	.	.	PUNCT
ajfa-10274	135	1	banking	banking	NOUN
ajfa-10274	135	2	profitability	profitability	NOUN
ajfa-10274	135	3	determinants	determinant	NOUN
ajfa-10274	135	4	.	.	PUNCT
ajfa-10274	136	1	volume	volume	NOUN
ajfa-10274	136	2	4	4	NUM
ajfa-10274	136	3	-	-	PUNCT
ajfa-10274	136	4	number	number	NOUN
ajfa-10274	136	5	2	2	NUM
ajfa-10274	136	6	-	-	PUNCT
ajfa-10274	136	7	july	july	NOUN
ajfa-10274	136	8	2011	2011	NUM
ajfa-10274	136	9	-	-	PUNCT
ajfa-10274	136	10	semiannual	semiannual	ADJ
ajfa-10274	136	11	publication	publication	NOUN
ajfa-10274	136	12	,	,	PUNCT
ajfa-10274	136	13	4(2	4(2	NUM
ajfa-10274	136	14	)	)	PUNCT
ajfa-10274	136	15	,	,	PUNCT
ajfa-10274	136	16	209	209	NUM
ajfa-10274	136	17	.	.	PUNCT
ajfa-10274	137	1	ayadi	ayadi	PROPN
ajfa-10274	137	2	,	,	PUNCT
ajfa-10274	137	3	r.	r.	PROPN
ajfa-10274	137	4	,	,	PUNCT
ajfa-10274	137	5	arbak	arbak	NOUN
ajfa-10274	137	6	,	,	PUNCT
ajfa-10274	137	7	e.	e.	PROPN
ajfa-10274	137	8	,	,	PUNCT
ajfa-10274	137	9	naceur	naceur	ADV
ajfa-10274	137	10	,	,	PUNCT
ajfa-10274	137	11	s.	s.	PROPN
ajfa-10274	137	12	b.	b.	PROPN
ajfa-10274	137	13	,	,	PUNCT
ajfa-10274	137	14	&	&	CCONJ
ajfa-10274	137	15	de	de	X
ajfa-10274	137	16	groen	groen	PROPN
ajfa-10274	137	17	,	,	PUNCT
ajfa-10274	137	18	w.	w.	PROPN
ajfa-10274	137	19	p.	p.	PROPN
ajfa-10274	137	20	(	(	PUNCT
ajfa-10274	137	21	2015).financial	2015).financial	NUM
ajfa-10274	137	22	development	development	NOUN
ajfa-10274	137	23	,	,	PUNCT
ajfa-10274	137	24	bank	bank	NOUN
ajfa-10274	137	25	efficiency	efficiency	NOUN
ajfa-10274	137	26	,	,	PUNCT
ajfa-10274	137	27	and	and	CCONJ
ajfa-10274	137	28	economic	economic	ADJ
ajfa-10274	137	29	growth	growth	NOUN
ajfa-10274	137	30	across	across	ADP
ajfa-10274	137	31	the	the	DET
ajfa-10274	137	32	mediterranean	mediterranean	PROPN
ajfa-10274	137	33	.	.	PUNCT
ajfa-10274	138	1	in	in	ADP
ajfa-10274	138	2	economic	economic	ADJ
ajfa-10274	138	3	and	and	CCONJ
ajfa-10274	138	4	social	social	ADJ
ajfa-10274	138	5	development	development	NOUN
ajfa-10274	138	6	of	of	ADP
ajfa-10274	138	7	the	the	DET
ajfa-10274	138	8	southern	southern	ADJ
ajfa-10274	138	9	and	and	CCONJ
ajfa-10274	138	10	eastern	eastern	ADJ
ajfa-10274	138	11	mediterranean	mediterranean	PROPN
ajfa-10274	138	12	countries	country	NOUN
ajfa-10274	138	13	(	(	PUNCT
ajfa-10274	138	14	pp	pp	ADJ
ajfa-10274	138	15	.	.	PUNCT
ajfa-10274	139	1	219	219	NUM
ajfa-10274	139	2	-	-	SYM
ajfa-10274	139	3	233	233	NUM
ajfa-10274	139	4	)	)	PUNCT
ajfa-10274	139	5	.	.	PUNCT
ajfa-10274	140	1	springer	springer	NOUN
ajfa-10274	140	2	international	international	ADJ
ajfa-10274	140	3	publishing	publishing	NOUN
ajfa-10274	140	4	.	.	PUNCT
ajfa-10274	141	1	babalola	babalola	PROPN
ajfa-10274	141	2	,	,	PUNCT
ajfa-10274	141	3	y.	y.	PROPN
ajfa-10274	141	4	a.	a.	PROPN
ajfa-10274	141	5	(	(	PUNCT
ajfa-10274	141	6	2012	2012	NUM
ajfa-10274	141	7	)	)	PUNCT
ajfa-10274	141	8	.	.	PUNCT
ajfa-10274	142	1	the	the	DET
ajfa-10274	142	2	determinants	determinant	NOUN
ajfa-10274	142	3	of	of	ADP
ajfa-10274	142	4	bank	bank	NOUN
ajfa-10274	142	5	’s	’s	PART
ajfa-10274	142	6	profitability	profitability	NOUN
ajfa-10274	142	7	in	in	ADP
ajfa-10274	142	8	nigeria	nigeria	PROPN
ajfa-10274	142	9	.	.	PUNCT
ajfa-10274	143	1	journal	journal	PROPN
ajfa-10274	143	2	of	of	ADP
ajfa-10274	143	3	money	money	NOUN
ajfa-10274	143	4	,	,	PUNCT
ajfa-10274	143	5	investment	investment	NOUN
ajfa-10274	143	6	and	and	CCONJ
ajfa-10274	143	7	banking	banking	NOUN
ajfa-10274	143	8	,	,	PUNCT
ajfa-10274	143	9	24	24	NUM
ajfa-10274	143	10	,	,	PUNCT
ajfa-10274	143	11	6	6	NUM
ajfa-10274	143	12	-	-	SYM
ajfa-10274	143	13	16	16	NUM
ajfa-10274	143	14	.	.	PUNCT
ajfa-10274	144	1	berger	berger	PROPN
ajfa-10274	144	2	,	,	PUNCT
ajfa-10274	144	3	a.	a.	PROPN
ajfa-10274	144	4	(	(	PUNCT
ajfa-10274	144	5	1995	1995	NUM
ajfa-10274	144	6	)	)	PUNCT
ajfa-10274	144	7	.	.	PUNCT
ajfa-10274	145	1	the	the	DET
ajfa-10274	145	2	relationship	relationship	NOUN
ajfa-10274	145	3	between	between	ADP
ajfa-10274	145	4	capital	capital	NOUN
ajfa-10274	145	5	and	and	CCONJ
ajfa-10274	145	6	earnings	earning	NOUN
ajfa-10274	145	7	in	in	ADP
ajfa-10274	145	8	banking	banking	NOUN
ajfa-10274	145	9	.	.	PUNCT
ajfa-10274	146	1	journal	journal	PROPN
ajfa-10274	146	2	of	of	ADP
ajfa-10274	146	3	money	money	NOUN
ajfa-10274	146	4	,	,	PUNCT
ajfa-10274	146	5	credit	credit	NOUN
ajfa-10274	146	6	and	and	CCONJ
ajfa-10274	146	7	banking	banking	NOUN
ajfa-10274	146	8	,	,	PUNCT
ajfa-10274	146	9	27	27	NUM
ajfa-10274	146	10	,	,	PUNCT
ajfa-10274	146	11	404	404	NUM
ajfa-10274	146	12	-	-	SYM
ajfa-10274	146	13	431	431	NUM
ajfa-10274	146	14	.	.	PUNCT
ajfa-10274	147	1	https://doi.org/10.2307/2077876	https://doi.org/10.2307/2077876	PRON
ajfa-10274	147	2	berger	berger	PROPN
ajfa-10274	147	3	,	,	PUNCT
ajfa-10274	147	4	a.n	a.n	PROPN
ajfa-10274	147	5	.	.	PROPN
ajfa-10274	147	6	and	and	CCONJ
ajfa-10274	147	7	hanweck	hanweck	PROPN
ajfa-10274	147	8	,	,	PUNCT
ajfa-10274	147	9	g.a	g.a	PROPN
ajfa-10274	147	10	.	.	PROPN
ajfa-10274	147	11	and	and	CCONJ
ajfa-10274	147	12	humphrey	humphrey	PROPN
ajfa-10274	147	13	,	,	PUNCT
ajfa-10274	147	14	d.b	d.b	PROPN
ajfa-10274	147	15	.	.	PROPN
ajfa-10274	147	16	(	(	PUNCT
ajfa-10274	147	17	1987	1987	NUM
ajfa-10274	147	18	)	)	PUNCT
ajfa-10274	147	19	.	.	PUNCT
ajfa-10274	148	1	“	"	PUNCT
ajfa-10274	148	2	competitive	competitive	ADJ
ajfa-10274	148	3	viability	viability	NOUN
ajfa-10274	148	4	in	in	ADP
ajfa-10274	148	5	banking	banking	NOUN
ajfa-10274	148	6	:	:	PUNCT
ajfa-10274	148	7	scale	scale	NOUN
ajfa-10274	148	8	,	,	PUNCT
ajfa-10274	148	9	scope	scope	NOUN
ajfa-10274	148	10	and	and	CCONJ
ajfa-10274	148	11	product	product	NOUN
ajfa-10274	148	12	mix	mix	NOUN
ajfa-10274	148	13	economies	economy	NOUN
ajfa-10274	148	14	”	"	PUNCT
ajfa-10274	148	15	.	.	PUNCT
ajfa-10274	149	1	journal	journal	PROPN
ajfa-10274	149	2	of	of	ADP
ajfa-10274	149	3	monetary	monetary	ADJ
ajfa-10274	149	4	economics	economic	NOUN
ajfa-10274	149	5	,	,	PUNCT
ajfa-10274	149	6	20	20	NUM
ajfa-10274	149	7	,	,	PUNCT
ajfa-10274	149	8	501	501	NUM
ajfa-10274	149	9	-	-	SYM
ajfa-10274	149	10	520	520	NUM
ajfa-10274	149	11	.	.	PUNCT
ajfa-10274	150	1	https://doi.org/10.1016/0304-3932(87)90039-0	https://doi.org/10.1016/0304-3932(87)90039-0	PROPN
ajfa-10274	150	2	flamini	flamini	PROPN
ajfa-10274	150	3	,	,	PUNCT
ajfa-10274	150	4	v.	v.	PROPN
ajfa-10274	150	5	,	,	PUNCT
ajfa-10274	150	6	schumacher	schumacher	PROPN
ajfa-10274	150	7	,	,	PUNCT
ajfa-10274	150	8	m.	m.	PROPN
ajfa-10274	150	9	l.	l.	PROPN
ajfa-10274	150	10	,	,	PUNCT
ajfa-10274	150	11	&	&	CCONJ
ajfa-10274	150	12	mcdonald	mcdonald	PROPN
ajfa-10274	150	13	,	,	PUNCT
ajfa-10274	150	14	m.	m.	PROPN
ajfa-10274	150	15	c.	c.	PROPN
ajfa-10274	150	16	a.	a.	PROPN
ajfa-10274	150	17	(	(	PUNCT
ajfa-10274	150	18	2009	2009	NUM
ajfa-10274	150	19	)	)	PUNCT
ajfa-10274	150	20	.	.	PUNCT
ajfa-10274	151	1	the	the	DET
ajfa-10274	151	2	determinants	determinant	NOUN
ajfa-10274	151	3	of	of	ADP
ajfa-10274	151	4	commercial	commercial	ADJ
ajfa-10274	151	5	bank	bank	NOUN
ajfa-10274	151	6	profitability	profitability	NOUN
ajfa-10274	151	7	in	in	ADP
ajfa-10274	151	8	sub	sub	ADJ
ajfa-10274	151	9	-	-	ADJ
ajfa-10274	151	10	saharan	saharan	ADJ
ajfa-10274	151	11	africa	africa	PROPN
ajfa-10274	151	12	(	(	PUNCT
ajfa-10274	151	13	no	no	INTJ
ajfa-10274	151	14	.	.	NOUN
ajfa-10274	151	15	9	9	NUM
ajfa-10274	151	16	-	-	SYM
ajfa-10274	151	17	15	15	NUM
ajfa-10274	151	18	)	)	PUNCT
ajfa-10274	151	19	.	.	PUNCT
ajfa-10274	152	1	international	international	ADJ
ajfa-10274	152	2	monetary	monetary	ADJ
ajfa-10274	152	3	fund	fund	NOUN
ajfa-10274	152	4	.	.	PUNCT
ajfa-10274	153	1	https://doi.org/10.5089/9781451871623.001	https://doi.org/10.5089/9781451871623.001	PROPN
ajfa-10274	153	2	goodhart	goodhart	PROPN
ajfa-10274	153	3	,	,	PUNCT
ajfa-10274	153	4	c.	c.	PROPN
ajfa-10274	153	5	(	(	PUNCT
ajfa-10274	153	6	ed	ed	NOUN
ajfa-10274	153	7	.	.	PUNCT
ajfa-10274	153	8	)	)	PUNCT
ajfa-10274	153	9	.	.	PUNCT
ajfa-10274	154	1	(	(	PUNCT
ajfa-10274	154	2	2016	2016	NUM
ajfa-10274	154	3	)	)	PUNCT
ajfa-10274	154	4	.	.	PUNCT
ajfa-10274	155	1	financial	financial	ADJ
ajfa-10274	155	2	development	development	NOUN
ajfa-10274	155	3	and	and	CCONJ
ajfa-10274	155	4	economic	economic	ADJ
ajfa-10274	155	5	growth	growth	NOUN
ajfa-10274	155	6	:	:	PUNCT
ajfa-10274	155	7	explaining	explain	VERB
ajfa-10274	155	8	the	the	DET
ajfa-10274	155	9	links	link	NOUN
ajfa-10274	155	10	.	.	PUNCT
ajfa-10274	156	1	springer	springer	NOUN
ajfa-10274	156	2	.	.	PUNCT
ajfa-10274	157	1	asian	asian	ADJ
ajfa-10274	157	2	journal	journal	PROPN
ajfa-10274	157	3	of	of	ADP
ajfa-10274	157	4	finance	finance	PROPN
ajfa-10274	157	5	&	&	CCONJ
ajfa-10274	157	6	accounting	accounting	PROPN
ajfa-10274	157	7	issn	issn	PROPN
ajfa-10274	157	8	1946	1946	NUM
ajfa-10274	157	9	-	-	PUNCT
ajfa-10274	157	10	052x	052x	PROPN
ajfa-10274	157	11	2016	2016	NUM
ajfa-10274	157	12	,	,	PUNCT
ajfa-10274	157	13	vol	vol	NOUN
ajfa-10274	157	14	.	.	PROPN
ajfa-10274	157	15	8	8	NUM
ajfa-10274	157	16	,	,	PUNCT
ajfa-10274	157	17	no	no	INTJ
ajfa-10274	157	18	.	.	NOUN
ajfa-10274	157	19	2	2	NUM
ajfa-10274	157	20	ajfa.macrothink.org	ajfa.macrothink.org	ADJ
ajfa-10274	157	21	203	203	NUM
ajfa-10274	157	22	haghighat	haghighat	NOUN
ajfa-10274	157	23	,	,	PUNCT
ajfa-10274	157	24	j.	j.	PROPN
ajfa-10274	157	25	,	,	PUNCT
ajfa-10274	157	26	and	and	CCONJ
ajfa-10274	157	27	nasrin	nasrin	PROPN
ajfa-10274	157	28	.	.	PUNCT
ajfa-10274	158	1	(	(	PUNCT
ajfa-10274	158	2	2004	2004	NUM
ajfa-10274	158	3	)	)	PUNCT
ajfa-10274	158	4	.	.	PUNCT
ajfa-10274	159	1	bank	bank	NOUN
ajfa-10274	159	2	efficiency	efficiency	NOUN
ajfa-10274	159	3	by	by	ADP
ajfa-10274	159	4	data	datum	NOUN
ajfa-10274	159	5	envelopment	envelopment	ADJ
ajfa-10274	159	6	analysis	analysis	NOUN
ajfa-10274	159	7	(	(	PUNCT
ajfa-10274	159	8	case	case	NOUN
ajfa-10274	159	9	study	study	VERB
ajfa-10274	159	10	agricultural	agricultural	ADJ
ajfa-10274	159	11	bank	bank	NOUN
ajfa-10274	159	12	)	)	PUNCT
ajfa-10274	159	13	.	.	PUNCT
ajfa-10274	160	1	economic	economic	ADJ
ajfa-10274	160	2	journal	journal	NOUN
ajfa-10274	160	3	,	,	PUNCT
ajfa-10274	160	4	9	9	NUM
ajfa-10274	160	5	,	,	PUNCT
ajfa-10274	160	6	171	171	NUM
ajfa-10274	160	7	-135	-135	NOUN
ajfa-10274	160	8	.	.	PUNCT
ajfa-10274	160	9	jahan	jahan	PROPN
ajfa-10274	160	10	,	,	PUNCT
ajfa-10274	160	11	n.	n.	PROPN
ajfa-10274	160	12	(	(	PUNCT
ajfa-10274	160	13	2012	2012	NUM
ajfa-10274	160	14	)	)	PUNCT
ajfa-10274	160	15	.	.	PUNCT
ajfa-10274	161	1	determinants	determinant	NOUN
ajfa-10274	161	2	of	of	ADP
ajfa-10274	161	3	bank	bank	NOUN
ajfa-10274	161	4	’s	’s	PART
ajfa-10274	161	5	profitability	profitability	NOUN
ajfa-10274	161	6	:	:	PUNCT
ajfa-10274	161	7	evidence	evidence	NOUN
ajfa-10274	161	8	from	from	ADP
ajfa-10274	161	9	bangladesh	bangladesh	PROPN
ajfa-10274	161	10	.	.	PUNCT
ajfa-10274	162	1	indian	indian	PROPN
ajfa-10274	162	2	journal	journal	PROPN
ajfa-10274	162	3	of	of	ADP
ajfa-10274	162	4	finance	finance	NOUN
ajfa-10274	162	5	,	,	PUNCT
ajfa-10274	162	6	6(2	6(2	NUM
ajfa-10274	162	7	)	)	PUNCT
ajfa-10274	162	8	,	,	PUNCT
ajfa-10274	162	9	32	32	NUM
ajfa-10274	162	10	-	-	SYM
ajfa-10274	162	11	38	38	NUM
ajfa-10274	162	12	.	.	PUNCT
ajfa-10274	163	1	jamal	jamal	PROPN
ajfa-10274	163	2	,	,	PUNCT
ajfa-10274	163	3	a.	a.	PROPN
ajfa-10274	163	4	a.	a.	PROPN
ajfa-10274	163	5	a.	a.	PROPN
ajfa-10274	163	6	,	,	PUNCT
ajfa-10274	163	7	hamidi	hamidi	NOUN
ajfa-10274	163	8	,	,	PUNCT
ajfa-10274	163	9	m.	m.	NOUN
ajfa-10274	163	10	,	,	PUNCT
ajfa-10274	163	11	&	&	CCONJ
ajfa-10274	163	12	karim	karim	PROPN
ajfa-10274	163	13	,	,	PUNCT
ajfa-10274	163	14	m.	m.	PROPN
ajfa-10274	163	15	r.	r.	PROPN
ajfa-10274	163	16	a.	a.	PROPN
ajfa-10274	163	17	(	(	PUNCT
ajfa-10274	163	18	2012	2012	NUM
ajfa-10274	163	19	)	)	PUNCT
ajfa-10274	163	20	.	.	PUNCT
ajfa-10274	164	1	determinants	determinant	NOUN
ajfa-10274	164	2	of	of	ADP
ajfa-10274	164	3	commercial	commercial	ADJ
ajfa-10274	164	4	banks	bank	NOUN
ajfa-10274	164	5	’	'	PUNCT
ajfa-10274	164	6	return	return	NOUN
ajfa-10274	164	7	on	on	ADP
ajfa-10274	164	8	asset	asset	NOUN
ajfa-10274	164	9	:	:	PUNCT
ajfa-10274	164	10	panel	panel	NOUN
ajfa-10274	164	11	evidence	evidence	NOUN
ajfa-10274	164	12	from	from	ADP
ajfa-10274	164	13	malaysia	malaysia	PROPN
ajfa-10274	164	14	.	.	PUNCT
ajfa-10274	165	1	international	international	ADJ
ajfa-10274	165	2	journal	journal	PROPN
ajfa-10274	165	3	of	of	ADP
ajfa-10274	165	4	commerce	commerce	PROPN
ajfa-10274	165	5	,	,	PUNCT
ajfa-10274	165	6	business	business	NOUN
ajfa-10274	165	7	and	and	CCONJ
ajfa-10274	165	8	management	management	NOUN
ajfa-10274	165	9	,	,	PUNCT
ajfa-10274	165	10	1(3	1(3	NUM
ajfa-10274	165	11	)	)	PUNCT
ajfa-10274	165	12	,	,	PUNCT
ajfa-10274	165	13	55	55	NUM
ajfa-10274	165	14	-	-	SYM
ajfa-10274	165	15	62	62	NUM
ajfa-10274	165	16	.	.	PUNCT
ajfa-10274	166	1	lartey	lartey	PROPN
ajfa-10274	166	2	,	,	PUNCT
ajfa-10274	166	3	v.	v.	PROPN
ajfa-10274	166	4	c.	c.	PROPN
ajfa-10274	166	5	,	,	PUNCT
ajfa-10274	166	6	antwi	antwi	PROPN
ajfa-10274	166	7	,	,	PUNCT
ajfa-10274	166	8	s.	s.	PROPN
ajfa-10274	166	9	,	,	PUNCT
ajfa-10274	166	10	&	&	CCONJ
ajfa-10274	166	11	boadi	boadi	PROPN
ajfa-10274	166	12	,	,	PUNCT
ajfa-10274	166	13	e.	e.	PROPN
ajfa-10274	166	14	k.	k.	PROPN
ajfa-10274	166	15	(	(	PUNCT
ajfa-10274	166	16	2013	2013	NUM
ajfa-10274	166	17	)	)	PUNCT
ajfa-10274	166	18	.	.	PUNCT
ajfa-10274	167	1	the	the	DET
ajfa-10274	167	2	relationship	relationship	NOUN
ajfa-10274	167	3	between	between	ADP
ajfa-10274	167	4	liquidity	liquidity	NOUN
ajfa-10274	167	5	and	and	CCONJ
ajfa-10274	167	6	profitability	profitability	NOUN
ajfa-10274	167	7	of	of	ADP
ajfa-10274	167	8	listed	list	VERB
ajfa-10274	167	9	banks	bank	NOUN
ajfa-10274	167	10	in	in	ADP
ajfa-10274	167	11	ghana	ghana	PROPN
ajfa-10274	167	12	.	.	PUNCT
ajfa-10274	168	1	international	international	ADJ
ajfa-10274	168	2	journal	journal	PROPN
ajfa-10274	168	3	of	of	ADP
ajfa-10274	168	4	business	business	NOUN
ajfa-10274	168	5	and	and	CCONJ
ajfa-10274	168	6	social	social	ADJ
ajfa-10274	168	7	science	science	NOUN
ajfa-10274	168	8	,	,	PUNCT
ajfa-10274	168	9	4(3	4(3	NUM
ajfa-10274	168	10	)	)	PUNCT
ajfa-10274	168	11	.	.	PUNCT
ajfa-10274	169	1	lee	lee	PROPN
ajfa-10274	169	2	,	,	PUNCT
ajfa-10274	169	3	j.	j.	PROPN
ajfa-10274	169	4	d.	d.	PROPN
ajfa-10274	169	5	,	,	PUNCT
ajfa-10274	169	6	&	&	CCONJ
ajfa-10274	169	7	heshmati	heshmati	PROPN
ajfa-10274	169	8	,	,	PUNCT
ajfa-10274	169	9	a.	a.	NOUN
ajfa-10274	169	10	(	(	PUNCT
ajfa-10274	169	11	eds	ed	NOUN
ajfa-10274	169	12	.	.	PUNCT
ajfa-10274	169	13	)	)	PUNCT
ajfa-10274	169	14	.	.	PUNCT
ajfa-10274	170	1	(	(	PUNCT
ajfa-10274	170	2	2009	2009	NUM
ajfa-10274	170	3	)	)	PUNCT
ajfa-10274	170	4	.	.	PUNCT
ajfa-10274	171	1	productivity	productivity	NOUN
ajfa-10274	171	2	,	,	PUNCT
ajfa-10274	171	3	efficiency	efficiency	NOUN
ajfa-10274	171	4	,	,	PUNCT
ajfa-10274	171	5	and	and	CCONJ
ajfa-10274	171	6	economic	economic	ADJ
ajfa-10274	171	7	growth	growth	NOUN
ajfa-10274	171	8	in	in	ADP
ajfa-10274	171	9	the	the	DET
ajfa-10274	171	10	asia	asia	PROPN
ajfa-10274	171	11	-	-	PUNCT
ajfa-10274	171	12	pacific	pacific	PROPN
ajfa-10274	171	13	region	region	NOUN
ajfa-10274	171	14	.	.	PUNCT
ajfa-10274	172	1	physica	physica	PROPN
ajfa-10274	172	2	-	-	PUNCT
ajfa-10274	172	3	verlag	verlag	PROPN
ajfa-10274	172	4	heidelberg	heidelberg	PROPN
ajfa-10274	172	5	.	.	PUNCT
ajfa-10274	173	1	https://doi.org/10.1007/978-3-7908-2072-0	https://doi.org/10.1007/978-3-7908-2072-0	PROPN
ajfa-10274	173	2	mensah	mensah	PROPN
ajfa-10274	173	3	-	-	PUNCT
ajfa-10274	173	4	mawutor	mawutor	PROPN
ajfa-10274	173	5	,	,	PUNCT
ajfa-10274	173	6	j.	j.	PROPN
ajfa-10274	173	7	k.	k.	PROPN
ajfa-10274	173	8	,	,	PUNCT
ajfa-10274	173	9	&	&	CCONJ
ajfa-10274	173	10	fred	fred	PROPN
ajfa-10274	173	11	,	,	PUNCT
ajfa-10274	173	12	a.	a.	NOUN
ajfa-10274	173	13	(	(	PUNCT
ajfa-10274	173	14	2015	2015	NUM
ajfa-10274	173	15	)	)	PUNCT
ajfa-10274	173	16	.	.	PUNCT
ajfa-10274	174	1	assessment	assessment	NOUN
ajfa-10274	174	2	of	of	ADP
ajfa-10274	174	3	efficiency	efficiency	NOUN
ajfa-10274	174	4	and	and	CCONJ
ajfa-10274	174	5	profitability	profitability	NOUN
ajfa-10274	174	6	of	of	ADP
ajfa-10274	174	7	listed	list	VERB
ajfa-10274	174	8	banks	bank	NOUN
ajfa-10274	174	9	in	in	ADP
ajfa-10274	174	10	ghana	ghana	PROPN
ajfa-10274	174	11	.	.	PUNCT
ajfa-10274	175	1	accounting	accounting	NOUN
ajfa-10274	175	2	and	and	CCONJ
ajfa-10274	175	3	finance	finance	NOUN
ajfa-10274	175	4	research	research	NOUN
ajfa-10274	175	5	,	,	PUNCT
ajfa-10274	175	6	4(1	4(1	NOUN
ajfa-10274	175	7	)	)	PUNCT
ajfa-10274	175	8	,	,	PUNCT
ajfa-10274	175	9	p164	p164	PROPN
ajfa-10274	175	10	.	.	PUNCT
ajfa-10274	175	11	mishkin	mishkin	PROPN
ajfa-10274	175	12	,	,	PUNCT
ajfa-10274	175	13	f.	f.	PROPN
ajfa-10274	175	14	s.	s.	PROPN
ajfa-10274	175	15	(	(	PUNCT
ajfa-10274	175	16	2007	2007	NUM
ajfa-10274	175	17	)	)	PUNCT
ajfa-10274	175	18	.	.	PUNCT
ajfa-10274	176	1	the	the	DET
ajfa-10274	176	2	economics	economic	NOUN
ajfa-10274	176	3	of	of	ADP
ajfa-10274	176	4	money	money	NOUN
ajfa-10274	176	5	,	,	PUNCT
ajfa-10274	176	6	banking	banking	NOUN
ajfa-10274	176	7	,	,	PUNCT
ajfa-10274	176	8	and	and	CCONJ
ajfa-10274	176	9	financial	financial	ADJ
ajfa-10274	176	10	markets	market	NOUN
ajfa-10274	176	11	.	.	PUNCT
ajfa-10274	177	1	pearson	pearson	PROPN
ajfa-10274	177	2	education	education	PROPN
ajfa-10274	177	3	.	.	PUNCT
ajfa-10274	178	1	naceur	naceur	PROPN
ajfa-10274	178	2	s.	s.	PROPN
ajfa-10274	178	3	b.	b.	PROPN
ajfa-10274	179	1	(	(	PUNCT
ajfa-10274	179	2	2003	2003	NUM
ajfa-10274	179	3	)	)	PUNCT
ajfa-10274	179	4	.	.	PUNCT
ajfa-10274	180	1	determinants	determinant	NOUN
ajfa-10274	180	2	of	of	ADP
ajfa-10274	180	3	the	the	DET
ajfa-10274	180	4	tunisian	tunisian	ADJ
ajfa-10274	180	5	banking	banking	NOUN
ajfa-10274	180	6	industry	industry	NOUN
ajfa-10274	180	7	profitability	profitability	NOUN
ajfa-10274	180	8	:	:	PUNCT
ajfa-10274	180	9	panel	panel	NOUN
ajfa-10274	180	10	evidence	evidence	NOUN
ajfa-10274	180	11	.	.	PUNCT
ajfa-10274	181	1	frontiers	frontier	NOUN
ajfa-10274	181	2	in	in	ADP
ajfa-10274	181	3	finance	finance	NOUN
ajfa-10274	181	4	and	and	CCONJ
ajfa-10274	181	5	economics	economic	NOUN
ajfa-10274	181	6	,	,	PUNCT
ajfa-10274	181	7	5(1	5(1	NUM
ajfa-10274	181	8	)	)	PUNCT
ajfa-10274	181	9	,	,	PUNCT
ajfa-10274	181	10	106	106	NUM
ajfa-10274	181	11	-	-	SYM
ajfa-10274	181	12	130	130	NUM
ajfa-10274	181	13	.	.	PUNCT
ajfa-10274	182	1	https://doi.org/10.1016/j.ribaf.2006.05.002	https://doi.org/10.1016/j.ribaf.2006.05.002	NOUN
ajfa-10274	182	2	naceur	naceur	ADV
ajfa-10274	182	3	,	,	PUNCT
ajfa-10274	182	4	s.	s.	PROPN
ajfa-10274	182	5	b.	b.	PROPN
ajfa-10274	182	6	,	,	PUNCT
ajfa-10274	182	7	&	&	CCONJ
ajfa-10274	182	8	ghazouani	ghazouani	PROPN
ajfa-10274	182	9	,	,	PUNCT
ajfa-10274	182	10	s.	s.	PROPN
ajfa-10274	182	11	(	(	PUNCT
ajfa-10274	182	12	2007	2007	NUM
ajfa-10274	182	13	)	)	PUNCT
ajfa-10274	182	14	.	.	PUNCT
ajfa-10274	183	1	stock	stock	NOUN
ajfa-10274	183	2	markets	market	NOUN
ajfa-10274	183	3	,	,	PUNCT
ajfa-10274	183	4	banks	bank	NOUN
ajfa-10274	183	5	,	,	PUNCT
ajfa-10274	183	6	and	and	CCONJ
ajfa-10274	183	7	economic	economic	ADJ
ajfa-10274	183	8	growth	growth	NOUN
ajfa-10274	183	9	:	:	PUNCT
ajfa-10274	183	10	empirical	empirical	ADJ
ajfa-10274	183	11	evidence	evidence	NOUN
ajfa-10274	183	12	from	from	ADP
ajfa-10274	183	13	the	the	DET
ajfa-10274	183	14	mena	mena	PROPN
ajfa-10274	183	15	region	region	PROPN
ajfa-10274	183	16	.	.	PUNCT
ajfa-10274	184	1	research	research	NOUN
ajfa-10274	184	2	in	in	ADP
ajfa-10274	184	3	international	international	ADJ
ajfa-10274	184	4	business	business	NOUN
ajfa-10274	184	5	and	and	CCONJ
ajfa-10274	184	6	finance	finance	NOUN
ajfa-10274	184	7	,	,	PUNCT
ajfa-10274	184	8	21(2	21(2	NUM
ajfa-10274	184	9	)	)	PUNCT
ajfa-10274	184	10	,	,	PUNCT
ajfa-10274	184	11	297	297	NUM
ajfa-10274	184	12	-	-	SYM
ajfa-10274	184	13	315	315	NUM
ajfa-10274	184	14	.	.	PUNCT
ajfa-10274	185	1	nwaeze	nwaeze	NOUN
ajfa-10274	185	2	,	,	PUNCT
ajfa-10274	185	3	c.	c.	PROPN
ajfa-10274	185	4	,	,	PUNCT
ajfa-10274	185	5	michael	michael	PROPN
ajfa-10274	185	6	,	,	PUNCT
ajfa-10274	185	7	o.	o.	PROPN
ajfa-10274	185	8	,	,	PUNCT
ajfa-10274	185	9	&	&	CCONJ
ajfa-10274	185	10	nwabekee	nwabekee	PROPN
ajfa-10274	185	11	,	,	PUNCT
ajfa-10274	185	12	c.	c.	PROPN
ajfa-10274	185	13	e.	e.	PROPN
ajfa-10274	185	14	(	(	PUNCT
ajfa-10274	185	15	2014	2014	NUM
ajfa-10274	185	16	)	)	PUNCT
ajfa-10274	185	17	.	.	PUNCT
ajfa-10274	186	1	financial	financial	ADJ
ajfa-10274	186	2	intermediation	intermediation	NOUN
ajfa-10274	186	3	and	and	CCONJ
ajfa-10274	186	4	economic	economic	ADJ
ajfa-10274	186	5	growth	growth	NOUN
ajfa-10274	186	6	in	in	ADP
ajfa-10274	186	7	nigeria	nigeria	PROPN
ajfa-10274	186	8	(	(	PUNCT
ajfa-10274	186	9	1992–2011	1992–2011	NUM
ajfa-10274	186	10	)	)	PUNCT
ajfa-10274	186	11	.	.	PUNCT
ajfa-10274	187	1	the	the	DET
ajfa-10274	187	2	macrotheme	macrotheme	PROPN
ajfa-10274	187	3	review	review	PROPN
ajfa-10274	187	4	,	,	PUNCT
ajfa-10274	187	5	3(6	3(6	NUM
ajfa-10274	187	6	)	)	PUNCT
ajfa-10274	187	7	,	,	PUNCT
ajfa-10274	187	8	124	124	NUM
ajfa-10274	187	9	-	-	SYM
ajfa-10274	187	10	142	142	NUM
ajfa-10274	187	11	.	.	PUNCT
ajfa-10274	187	12	obamuyi	obamuyi	NOUN
ajfa-10274	187	13	,	,	PUNCT
ajfa-10274	187	14	t.	t.	NOUN
ajfa-10274	187	15	m.	m.	NOUN
ajfa-10274	187	16	(	(	PUNCT
ajfa-10274	187	17	2013	2013	NUM
ajfa-10274	187	18	)	)	PUNCT
ajfa-10274	187	19	.	.	PUNCT
ajfa-10274	188	1	determinants	determinant	NOUN
ajfa-10274	188	2	of	of	ADP
ajfa-10274	188	3	banks’profitability	banks’profitability	NOUN
ajfa-10274	188	4	in	in	ADP
ajfa-10274	188	5	a	a	DET
ajfa-10274	188	6	developing	develop	VERB
ajfa-10274	188	7	economy	economy	NOUN
ajfa-10274	188	8	:	:	PUNCT
ajfa-10274	188	9	evidence	evidence	NOUN
ajfa-10274	188	10	from	from	ADP
ajfa-10274	188	11	nigeria	nigeria	PROPN
ajfa-10274	188	12	.	.	PUNCT
ajfa-10274	189	1	organizations	organization	NOUN
ajfa-10274	189	2	and	and	CCONJ
ajfa-10274	189	3	markets	market	NOUN
ajfa-10274	189	4	in	in	ADP
ajfa-10274	189	5	emerging	emerge	VERB
ajfa-10274	189	6	economies	economy	NOUN
ajfa-10274	189	7	,	,	PUNCT
ajfa-10274	189	8	2	2	NUM
ajfa-10274	189	9	,	,	PUNCT
ajfa-10274	189	10	97	97	NUM
ajfa-10274	189	11	-	-	SYM
ajfa-10274	189	12	111	111	NUM
ajfa-10274	189	13	.	.	PUNCT
ajfa-10274	190	1	oladele	oladele	PROPN
ajfa-10274	190	2	,	,	PUNCT
ajfa-10274	190	3	p.	p.	PROPN
ajfa-10274	190	4	o.	o.	PROPN
ajfa-10274	190	5	,	,	PUNCT
ajfa-10274	190	6	sulaimon	sulaimon	PROPN
ajfa-10274	190	7	,	,	PUNCT
ajfa-10274	190	8	a.	a.	NOUN
ajfa-10274	190	9	a.	a.	PROPN
ajfa-10274	190	10	,	,	PUNCT
ajfa-10274	190	11	&	&	CCONJ
ajfa-10274	190	12	akeke	akeke	NOUN
ajfa-10274	190	13	,	,	PUNCT
ajfa-10274	190	14	n.	n.	PROPN
ajfa-10274	190	15	i.	i.	PROPN
ajfa-10274	190	16	(	(	PUNCT
ajfa-10274	190	17	2012	2012	NUM
ajfa-10274	190	18	)	)	PUNCT
ajfa-10274	190	19	.	.	PUNCT
ajfa-10274	191	1	determinants	determinant	NOUN
ajfa-10274	191	2	of	of	ADP
ajfa-10274	191	3	bank	bank	NOUN
ajfa-10274	191	4	performance	performance	NOUN
ajfa-10274	191	5	in	in	ADP
ajfa-10274	191	6	nigeria	nigeria	PROPN
ajfa-10274	191	7	.	.	PUNCT
ajfa-10274	192	1	international	international	ADJ
ajfa-10274	192	2	journal	journal	PROPN
ajfa-10274	192	3	of	of	ADP
ajfa-10274	192	4	business	business	NOUN
ajfa-10274	192	5	and	and	CCONJ
ajfa-10274	192	6	management	management	NOUN
ajfa-10274	192	7	tomorrow	tomorrow	NOUN
ajfa-10274	192	8	,	,	PUNCT
ajfa-10274	192	9	2(2	2(2	NUM
ajfa-10274	192	10	)	)	PUNCT
ajfa-10274	192	11	,	,	PUNCT
ajfa-10274	192	12	1	1	NUM
ajfa-10274	192	13	-	-	SYM
ajfa-10274	192	14	4	4	NUM
ajfa-10274	192	15	.	.	PUNCT
ajfa-10274	193	1	shahbaz	shahbaz	PROPN
ajfa-10274	193	2	,	,	PUNCT
ajfa-10274	193	3	m.	m.	NOUN
ajfa-10274	193	4	,	,	PUNCT
ajfa-10274	193	5	&	&	CCONJ
ajfa-10274	193	6	lean	lean	ADJ
ajfa-10274	193	7	,	,	PUNCT
ajfa-10274	193	8	h.	h.	PROPN
ajfa-10274	193	9	h.	h.	PROPN
ajfa-10274	193	10	(	(	PUNCT
ajfa-10274	193	11	2012	2012	NUM
ajfa-10274	193	12	)	)	PUNCT
ajfa-10274	193	13	.	.	PUNCT
ajfa-10274	194	1	does	do	AUX
ajfa-10274	194	2	financial	financial	ADJ
ajfa-10274	194	3	development	development	NOUN
ajfa-10274	194	4	increase	increase	VERB
ajfa-10274	194	5	energy	energy	NOUN
ajfa-10274	194	6	consumption	consumption	NOUN
ajfa-10274	194	7	?	?	PUNCT
ajfa-10274	195	1	the	the	DET
ajfa-10274	195	2	role	role	NOUN
ajfa-10274	195	3	of	of	ADP
ajfa-10274	195	4	industrialization	industrialization	NOUN
ajfa-10274	195	5	and	and	CCONJ
ajfa-10274	195	6	urbanization	urbanization	NOUN
ajfa-10274	195	7	in	in	ADP
ajfa-10274	195	8	tunisia	tunisia	PROPN
ajfa-10274	195	9	.	.	PUNCT
ajfa-10274	196	1	energy	energy	NOUN
ajfa-10274	196	2	policy	policy	NOUN
ajfa-10274	196	3	,	,	PUNCT
ajfa-10274	196	4	40	40	NUM
ajfa-10274	196	5	,	,	PUNCT
ajfa-10274	196	6	473	473	NUM
ajfa-10274	196	7	-	-	SYM
ajfa-10274	196	8	479	479	NUM
ajfa-10274	196	9	.	.	PUNCT
ajfa-10274	197	1	https://doi.org/10.1016/j.enpol.2011.10.050	https://doi.org/10.1016/j.enpol.2011.10.050	PROPN
ajfa-10274	197	2	tetteh	tetteh	NOUN
ajfa-10274	197	3	,	,	PUNCT
ajfa-10274	197	4	m.	m.	NOUN
ajfa-10274	197	5	l.	l.	PROPN
ajfa-10274	197	6	(	(	PUNCT
ajfa-10274	197	7	2014	2014	NUM
ajfa-10274	197	8	)	)	PUNCT
ajfa-10274	197	9	.	.	PUNCT
ajfa-10274	198	1	local	local	ADJ
ajfa-10274	198	2	versus	versus	ADP
ajfa-10274	198	3	foreign	foreign	ADJ
ajfa-10274	198	4	bank	bank	NOUN
ajfa-10274	198	5	performance	performance	NOUN
ajfa-10274	198	6	:	:	PUNCT
ajfa-10274	198	7	the	the	DET
ajfa-10274	198	8	case	case	NOUN
ajfa-10274	198	9	of	of	ADP
ajfa-10274	198	10	ghana	ghana	PROPN
ajfa-10274	198	11	.	.	PUNCT
ajfa-10274	199	1	banks	bank	NOUN
ajfa-10274	199	2	and	and	CCONJ
ajfa-10274	199	3	bank	bank	NOUN
ajfa-10274	199	4	systems	system	NOUN
ajfa-10274	199	5	,	,	PUNCT
ajfa-10274	199	6	9(3	9(3	NUM
ajfa-10274	199	7	)	)	PUNCT
ajfa-10274	199	8	,	,	PUNCT
ajfa-10274	199	9	43	43	NUM
ajfa-10274	199	10	-	-	SYM
ajfa-10274	199	11	49	49	NUM
ajfa-10274	199	12	.	.	PUNCT
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ajfa-10274	200	2	journal	journal	PROPN
ajfa-10274	200	3	of	of	ADP
ajfa-10274	200	4	finance	finance	PROPN
ajfa-10274	200	5	&	&	CCONJ
ajfa-10274	200	6	accounting	accounting	PROPN
ajfa-10274	200	7	issn	issn	PROPN
ajfa-10274	200	8	1946	1946	NUM
ajfa-10274	200	9	-	-	PUNCT
ajfa-10274	200	10	052x	052x	PROPN
ajfa-10274	200	11	2016	2016	NUM
ajfa-10274	200	12	,	,	PUNCT
ajfa-10274	200	13	vol	vol	NOUN
ajfa-10274	200	14	.	.	PROPN
ajfa-10274	200	15	8	8	NUM
ajfa-10274	200	16	,	,	PUNCT
ajfa-10274	200	17	no	no	INTJ
ajfa-10274	200	18	.	.	NOUN
ajfa-10274	200	19	2	2	NUM
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ajfa-10274	200	21	204	204	NUM
ajfa-10274	200	22	van	van	PROPN
ajfa-10274	200	23	nieuwerburgh	nieuwerburgh	PROPN
ajfa-10274	200	24	,	,	PUNCT
ajfa-10274	200	25	s.	s.	PROPN
ajfa-10274	200	26	,	,	PUNCT
ajfa-10274	200	27	buelens	buelen	NOUN
ajfa-10274	200	28	,	,	PUNCT
ajfa-10274	200	29	f.	f.	PROPN
ajfa-10274	200	30	,	,	PUNCT
ajfa-10274	200	31	&	&	CCONJ
ajfa-10274	200	32	cuyvers	cuyver	NOUN
ajfa-10274	200	33	,	,	PUNCT
ajfa-10274	200	34	l.	l.	PROPN
ajfa-10274	200	35	(	(	PUNCT
ajfa-10274	200	36	2006	2006	NUM
ajfa-10274	200	37	)	)	PUNCT
ajfa-10274	200	38	.	.	PUNCT
ajfa-10274	201	1	stock	stock	NOUN
ajfa-10274	201	2	market	market	NOUN
ajfa-10274	201	3	development	development	NOUN
ajfa-10274	201	4	and	and	CCONJ
ajfa-10274	201	5	economic	economic	ADJ
ajfa-10274	201	6	growth	growth	NOUN
ajfa-10274	201	7	in	in	ADP
ajfa-10274	201	8	belgium	belgium	NOUN
ajfa-10274	201	9	.	.	PUNCT
ajfa-10274	202	1	explorations	exploration	NOUN
ajfa-10274	202	2	in	in	ADP
ajfa-10274	202	3	economic	economic	ADJ
ajfa-10274	202	4	history	history	NOUN
ajfa-10274	202	5	,	,	PUNCT
ajfa-10274	202	6	43(1	43(1	NOUN
ajfa-10274	202	7	)	)	PUNCT
ajfa-10274	202	8	,	,	PUNCT
ajfa-10274	202	9	13	13	NUM
ajfa-10274	202	10	-	-	SYM
ajfa-10274	202	11	38	38	NUM
ajfa-10274	202	12	.	.	PUNCT
ajfa-10274	203	1	https://doi.org/10.1016/j.eeh.2005.06.002	https://doi.org/10.1016/j.eeh.2005.06.002	PROPN
ajfa-10274	203	2	yaron	yaron	PROPN
ajfa-10274	203	3	,	,	PUNCT
ajfa-10274	203	4	j.	j.	PROPN
ajfa-10274	203	5	,	,	PUNCT
ajfa-10274	203	6	benjamin	benjamin	PROPN
ajfa-10274	203	7	,	,	PUNCT
ajfa-10274	203	8	m.	m.	NOUN
ajfa-10274	203	9	,	,	PUNCT
ajfa-10274	203	10	&	&	CCONJ
ajfa-10274	203	11	charitonenko	charitonenko	PROPN
ajfa-10274	203	12	,	,	PUNCT
ajfa-10274	203	13	s.	s.	PROPN
ajfa-10274	203	14	(	(	PUNCT
ajfa-10274	203	15	1998	1998	NUM
ajfa-10274	203	16	)	)	PUNCT
ajfa-10274	203	17	.	.	PUNCT
ajfa-10274	204	1	promoting	promote	VERB
ajfa-10274	204	2	efficient	efficient	ADJ
ajfa-10274	204	3	rural	rural	ADJ
ajfa-10274	204	4	financial	financial	ADJ
ajfa-10274	204	5	intermediation	intermediation	NOUN
ajfa-10274	204	6	.	.	PUNCT
ajfa-10274	205	1	the	the	DET
ajfa-10274	205	2	world	world	PROPN
ajfa-10274	205	3	bank	bank	PROPN
ajfa-10274	205	4	research	research	PROPN
ajfa-10274	205	5	observer	observer	PROPN
ajfa-10274	205	6	,	,	PUNCT
ajfa-10274	205	7	13(2	13(2	PROPN
ajfa-10274	205	8	)	)	PUNCT
ajfa-10274	205	9	,	,	PUNCT
ajfa-10274	205	10	147	147	NUM
ajfa-10274	205	11	-	-	SYM
ajfa-10274	205	12	170	170	NUM
ajfa-10274	205	13	.	.	PUNCT
ajfa-10274	206	1	https://doi.org/10.1093/wbro/13.2.147	https://doi.org/10.1093/wbro/13.2.147	PROPN