id	sid	tid	token	lemma	pos
ajfa-1507	1	1	microsoft	microsoft	PROPN
ajfa-1507	1	2	word	word	VERB
ajfa-1507	1	3	the	the	DET
ajfa-1507	1	4	impact	impact	NOUN
ajfa-1507	1	5	of	of	ADP
ajfa-1507	1	6	regulatory	regulatory	ADJ
ajfa-1507	1	7	-	-	PUNCT
ajfa-1507	1	8	writer2	writer2	VERB
ajfa-1507	1	9	-	-	ADJ
ajfa-1507	1	10	new	new	ADJ
ajfa-1507	1	11	asian	asian	ADJ
ajfa-1507	1	12	journal	journal	NOUN
ajfa-1507	1	13	of	of	ADP
ajfa-1507	1	14	finance	finance	PROPN
ajfa-1507	1	15	&	&	CCONJ
ajfa-1507	1	16	accounting	accounting	PROPN
ajfa-1507	1	17	issn	issn	PROPN
ajfa-1507	1	18	1946	1946	NUM
ajfa-1507	1	19	-	-	PUNCT
ajfa-1507	1	20	052x	052x	NOUN
ajfa-1507	1	21	2012	2012	NUM
ajfa-1507	1	22	,	,	PUNCT
ajfa-1507	1	23	vol	vol	NOUN
ajfa-1507	1	24	.	.	PROPN
ajfa-1507	1	25	4	4	NUM
ajfa-1507	1	26	,	,	PUNCT
ajfa-1507	1	27	no	no	INTJ
ajfa-1507	1	28	.	.	NOUN
ajfa-1507	1	29	1	1	NUM
ajfa-1507	1	30	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	1	31	216	216	NUM
ajfa-1507	1	32	the	the	DET
ajfa-1507	1	33	impact	impact	NOUN
ajfa-1507	1	34	of	of	ADP
ajfa-1507	1	35	regulatory	regulatory	ADJ
ajfa-1507	1	36	and	and	CCONJ
ajfa-1507	1	37	supervisory	supervisory	ADJ
ajfa-1507	1	38	structures	structure	NOUN
ajfa-1507	1	39	on	on	ADP
ajfa-1507	1	40	bank	bank	NOUN
ajfa-1507	1	41	risk	risk	NOUN
ajfa-1507	1	42	and	and	CCONJ
ajfa-1507	1	43	efficiency	efficiency	NOUN
ajfa-1507	1	44	:	:	PUNCT
ajfa-1507	1	45	evidence	evidence	NOUN
ajfa-1507	1	46	from	from	ADP
ajfa-1507	1	47	dual	dual	ADJ
ajfa-1507	1	48	banking	banking	NOUN
ajfa-1507	1	49	system	system	NOUN
ajfa-1507	1	50	nafis	nafis	PROPN
ajfa-1507	1	51	alam	alam	PROPN
ajfa-1507	1	52	assistant	assistant	PROPN
ajfa-1507	1	53	professor	professor	PROPN
ajfa-1507	1	54	,	,	PUNCT
ajfa-1507	1	55	nottingham	nottingham	PROPN
ajfa-1507	1	56	university	university	PROPN
ajfa-1507	1	57	business	business	NOUN
ajfa-1507	1	58	school	school	NOUN
ajfa-1507	1	59	,	,	PUNCT
ajfa-1507	1	60	the	the	DET
ajfa-1507	1	61	university	university	PROPN
ajfa-1507	1	62	of	of	ADP
ajfa-1507	1	63	nottingham	nottingham	PROPN
ajfa-1507	1	64	malaysia	malaysia	PROPN
ajfa-1507	1	65	campus	campus	PROPN
ajfa-1507	1	66	e	e	NOUN
ajfa-1507	1	67	-	-	NOUN
ajfa-1507	1	68	mail	mail	NOUN
ajfa-1507	1	69	:	:	PUNCT
ajfa-1507	1	70	nafis.alam@nottingham.edu.my	nafis.alam@nottingham.edu.my	PROPN
ajfa-1507	1	71	received	receive	VERB
ajfa-1507	1	72	:	:	PUNCT
ajfa-1507	1	73	march	march	PROPN
ajfa-1507	1	74	13	13	NUM
ajfa-1507	1	75	,	,	PUNCT
ajfa-1507	1	76	2012	2012	NUM
ajfa-1507	1	77	accepted	accept	VERB
ajfa-1507	1	78	:	:	PUNCT
ajfa-1507	1	79	april	april	PROPN
ajfa-1507	1	80	5	5	NUM
ajfa-1507	1	81	,	,	PUNCT
ajfa-1507	1	82	2012	2012	NUM
ajfa-1507	1	83	published	publish	VERB
ajfa-1507	1	84	:	:	PUNCT
ajfa-1507	1	85	june	june	PROPN
ajfa-1507	1	86	1	1	NUM
ajfa-1507	1	87	,	,	PUNCT
ajfa-1507	1	88	2012	2012	NUM
ajfa-1507	1	89	doi:10.5296	doi:10.5296	NOUN
ajfa-1507	1	90	/	/	SYM
ajfa-1507	1	91	ajfa.v4i1.1507	ajfa.v4i1.1507	NUM
ajfa-1507	1	92	url	url	NOUN
ajfa-1507	1	93	:	:	PUNCT
ajfa-1507	1	94	http://dx.doi.org/10.5296/ajfa.v4i1.1507	http://dx.doi.org/10.5296/ajfa.v4i1.1507	PROPN
ajfa-1507	1	95	abstract	abstract	PROPN
ajfa-1507	1	96	james	james	PROPN
ajfa-1507	1	97	madison	madison	PROPN
ajfa-1507	1	98	once	once	ADV
ajfa-1507	1	99	said	say	VERB
ajfa-1507	1	100	“	"	PUNCT
ajfa-1507	1	101	if	if	SCONJ
ajfa-1507	1	102	men	man	NOUN
ajfa-1507	1	103	were	be	AUX
ajfa-1507	1	104	angels	angel	NOUN
ajfa-1507	1	105	,	,	PUNCT
ajfa-1507	1	106	no	no	DET
ajfa-1507	1	107	government	government	NOUN
ajfa-1507	1	108	would	would	AUX
ajfa-1507	1	109	be	be	AUX
ajfa-1507	1	110	necessary	necessary	ADJ
ajfa-1507	1	111	”	"	PUNCT
ajfa-1507	1	112	.	.	PUNCT
ajfa-1507	2	1	madison	madison	PROPN
ajfa-1507	2	2	’s	’s	PART
ajfa-1507	2	3	view	view	NOUN
ajfa-1507	2	4	has	have	VERB
ajfa-1507	2	5	direct	direct	ADJ
ajfa-1507	2	6	implications	implication	NOUN
ajfa-1507	2	7	for	for	ADP
ajfa-1507	2	8	efficient	efficient	ADJ
ajfa-1507	2	9	bank	bank	NOUN
ajfa-1507	2	10	supervisory	supervisory	ADJ
ajfa-1507	2	11	and	and	CCONJ
ajfa-1507	2	12	strong	strong	ADJ
ajfa-1507	2	13	regulatory	regulatory	ADJ
ajfa-1507	2	14	strategies	strategy	NOUN
ajfa-1507	2	15	.	.	PUNCT
ajfa-1507	3	1	on	on	ADP
ajfa-1507	3	2	the	the	DET
ajfa-1507	3	3	onset	onset	NOUN
ajfa-1507	3	4	of	of	ADP
ajfa-1507	3	5	2007	2007	NUM
ajfa-1507	3	6	-	-	SYM
ajfa-1507	3	7	08	08	NUM
ajfa-1507	3	8	subprime	subprime	NOUN
ajfa-1507	3	9	crisis	crisis	NOUN
ajfa-1507	3	10	banking	banking	NOUN
ajfa-1507	3	11	system	system	NOUN
ajfa-1507	3	12	across	across	ADP
ajfa-1507	3	13	the	the	DET
ajfa-1507	3	14	globe	globe	NOUN
ajfa-1507	3	15	were	be	AUX
ajfa-1507	3	16	left	leave	VERB
ajfa-1507	3	17	exposed	expose	VERB
ajfa-1507	3	18	to	to	ADP
ajfa-1507	3	19	financial	financial	ADJ
ajfa-1507	3	20	tsunami	tsunami	NOUN
ajfa-1507	3	21	due	due	ADP
ajfa-1507	3	22	to	to	ADP
ajfa-1507	3	23	over	over	ADP
ajfa-1507	3	24	-	-	PUNCT
ajfa-1507	3	25	expansion	expansion	NOUN
ajfa-1507	3	26	and	and	CCONJ
ajfa-1507	3	27	excessive	excessive	ADJ
ajfa-1507	3	28	risk	risk	NOUN
ajfa-1507	3	29	concentrations	concentration	NOUN
ajfa-1507	3	30	.	.	PUNCT
ajfa-1507	4	1	this	this	DET
ajfa-1507	4	2	incident	incident	NOUN
ajfa-1507	4	3	should	should	AUX
ajfa-1507	4	4	provide	provide	VERB
ajfa-1507	4	5	regulators	regulator	NOUN
ajfa-1507	4	6	wake	wake	VERB
ajfa-1507	4	7	up	up	ADP
ajfa-1507	4	8	call	call	NOUN
ajfa-1507	4	9	to	to	PART
ajfa-1507	4	10	further	far	ADV
ajfa-1507	4	11	develop	develop	VERB
ajfa-1507	4	12	and	and	CCONJ
ajfa-1507	4	13	strengthen	strengthen	VERB
ajfa-1507	4	14	the	the	DET
ajfa-1507	4	15	regulatory	regulatory	ADJ
ajfa-1507	4	16	system	system	NOUN
ajfa-1507	4	17	with	with	ADP
ajfa-1507	4	18	new	new	ADJ
ajfa-1507	4	19	and	and	CCONJ
ajfa-1507	4	20	strict	strict	ADJ
ajfa-1507	4	21	monitoring	monitoring	NOUN
ajfa-1507	4	22	mechanism	mechanism	NOUN
ajfa-1507	4	23	.	.	PUNCT
ajfa-1507	5	1	in	in	ADP
ajfa-1507	5	2	the	the	DET
ajfa-1507	5	3	given	give	VERB
ajfa-1507	5	4	context	context	NOUN
ajfa-1507	5	5	,	,	PUNCT
ajfa-1507	5	6	this	this	DET
ajfa-1507	5	7	paper	paper	NOUN
ajfa-1507	5	8	will	will	AUX
ajfa-1507	5	9	investigates	investigate	VERB
ajfa-1507	5	10	the	the	DET
ajfa-1507	5	11	linkages	linkage	NOUN
ajfa-1507	5	12	between	between	ADP
ajfa-1507	5	13	bank	bank	NOUN
ajfa-1507	5	14	regulatory	regulatory	ADJ
ajfa-1507	5	15	and	and	CCONJ
ajfa-1507	5	16	supervisory	supervisory	ADJ
ajfa-1507	5	17	structures	structure	NOUN
ajfa-1507	5	18	associated	associate	VERB
ajfa-1507	5	19	with	with	ADP
ajfa-1507	5	20	basel	basel	PROPN
ajfa-1507	5	21	iii	iii	PROPN
ajfa-1507	5	22	’s	’s	PART
ajfa-1507	5	23	pillars	pillar	NOUN
ajfa-1507	5	24	and	and	CCONJ
ajfa-1507	5	25	various	various	ADJ
ajfa-1507	5	26	aspects	aspect	NOUN
ajfa-1507	5	27	of	of	ADP
ajfa-1507	5	28	banks	bank	NOUN
ajfa-1507	5	29	’	’	PART
ajfa-1507	5	30	efficiency	efficiency	NOUN
ajfa-1507	5	31	and	and	CCONJ
ajfa-1507	5	32	risk	risk	NOUN
ajfa-1507	5	33	.	.	PUNCT
ajfa-1507	6	1	the	the	DET
ajfa-1507	6	2	analysis	analysis	NOUN
ajfa-1507	6	3	will	will	AUX
ajfa-1507	6	4	be	be	AUX
ajfa-1507	6	5	focussed	focusse	VERB
ajfa-1507	6	6	on	on	ADP
ajfa-1507	6	7	dual	dual	ADJ
ajfa-1507	6	8	banking	banking	NOUN
ajfa-1507	6	9	system	system	NOUN
ajfa-1507	6	10	over	over	ADP
ajfa-1507	6	11	the	the	DET
ajfa-1507	6	12	period	period	NOUN
ajfa-1507	6	13	2006	2006	NUM
ajfa-1507	6	14	-	-	SYM
ajfa-1507	6	15	2010	2010	NUM
ajfa-1507	6	16	.	.	PUNCT
ajfa-1507	7	1	our	our	PRON
ajfa-1507	7	2	results	result	NOUN
ajfa-1507	7	3	suggest	suggest	VERB
ajfa-1507	7	4	that	that	SCONJ
ajfa-1507	7	5	regulations	regulation	NOUN
ajfa-1507	7	6	and	and	CCONJ
ajfa-1507	7	7	strict	strict	ADJ
ajfa-1507	7	8	monitoring	monitoring	NOUN
ajfa-1507	7	9	of	of	ADP
ajfa-1507	7	10	banking	banking	NOUN
ajfa-1507	7	11	operation	operation	NOUN
ajfa-1507	7	12	,	,	PUNCT
ajfa-1507	7	13	and	and	CCONJ
ajfa-1507	7	14	higher	high	ADJ
ajfa-1507	7	15	supervisory	supervisory	ADJ
ajfa-1507	7	16	power	power	NOUN
ajfa-1507	7	17	of	of	ADP
ajfa-1507	7	18	the	the	DET
ajfa-1507	7	19	authorities	authority	NOUN
ajfa-1507	7	20	,	,	PUNCT
ajfa-1507	7	21	increase	increase	VERB
ajfa-1507	7	22	the	the	DET
ajfa-1507	7	23	technical	technical	ADJ
ajfa-1507	7	24	efficiency	efficiency	NOUN
ajfa-1507	7	25	for	for	ADP
ajfa-1507	7	26	islamic	islamic	ADJ
ajfa-1507	7	27	banks	bank	NOUN
ajfa-1507	7	28	but	but	CCONJ
ajfa-1507	7	29	decreases	decrease	VERB
ajfa-1507	7	30	convention	convention	NOUN
ajfa-1507	7	31	banks	bank	NOUN
ajfa-1507	7	32	efficiency	efficiency	NOUN
ajfa-1507	7	33	.	.	PUNCT
ajfa-1507	8	1	we	we	PRON
ajfa-1507	8	2	observe	observe	VERB
ajfa-1507	8	3	the	the	DET
ajfa-1507	8	4	opposite	opposite	ADJ
ajfa-1507	8	5	effect	effect	NOUN
ajfa-1507	8	6	in	in	ADP
ajfa-1507	8	7	the	the	DET
ajfa-1507	8	8	case	case	NOUN
ajfa-1507	8	9	of	of	ADP
ajfa-1507	8	10	restrictions	restriction	NOUN
ajfa-1507	8	11	on	on	ADP
ajfa-1507	8	12	bank	bank	NOUN
ajfa-1507	8	13	activities	activity	NOUN
ajfa-1507	8	14	,	,	PUNCT
ajfa-1507	8	15	with	with	ADP
ajfa-1507	8	16	higher	high	ADJ
ajfa-1507	8	17	restrictions	restriction	NOUN
ajfa-1507	8	18	having	have	VERB
ajfa-1507	8	19	a	a	DET
ajfa-1507	8	20	reduction	reduction	NOUN
ajfa-1507	8	21	in	in	ADP
ajfa-1507	8	22	risk	risk	NOUN
ajfa-1507	8	23	taking	taking	NOUN
ajfa-1507	8	24	of	of	ADP
ajfa-1507	8	25	islamic	islamic	ADJ
ajfa-1507	8	26	banks	bank	NOUN
ajfa-1507	8	27	while	while	SCONJ
ajfa-1507	8	28	increasing	increase	VERB
ajfa-1507	8	29	the	the	DET
ajfa-1507	8	30	risk	risk	NOUN
ajfa-1507	8	31	taking	taking	NOUN
ajfa-1507	8	32	of	of	ADP
ajfa-1507	8	33	conventional	conventional	ADJ
ajfa-1507	8	34	banks	bank	NOUN
ajfa-1507	8	35	.	.	PUNCT
ajfa-1507	9	1	results	result	NOUN
ajfa-1507	9	2	also	also	ADV
ajfa-1507	9	3	indicate	indicate	VERB
ajfa-1507	9	4	that	that	SCONJ
ajfa-1507	9	5	islamic	islamic	ADJ
ajfa-1507	9	6	banks	bank	NOUN
ajfa-1507	9	7	are	be	AUX
ajfa-1507	9	8	better	well	ADV
ajfa-1507	9	9	prepared	prepared	ADJ
ajfa-1507	9	10	towards	towards	ADP
ajfa-1507	9	11	the	the	DET
ajfa-1507	9	12	implementation	implementation	NOUN
ajfa-1507	9	13	of	of	ADP
ajfa-1507	9	14	basel	basel	PROPN
ajfa-1507	9	15	iii	iii	PROPN
ajfa-1507	9	16	guidelines	guideline	NOUN
ajfa-1507	9	17	compared	compare	VERB
ajfa-1507	9	18	to	to	ADP
ajfa-1507	9	19	their	their	PRON
ajfa-1507	9	20	conventional	conventional	ADJ
ajfa-1507	9	21	counterparts	counterpart	NOUN
ajfa-1507	9	22	.	.	PUNCT
ajfa-1507	10	1	keywords	keyword	NOUN
ajfa-1507	10	2	:	:	PUNCT
ajfa-1507	10	3	dual	dual	ADJ
ajfa-1507	10	4	banking	banking	NOUN
ajfa-1507	10	5	,	,	PUNCT
ajfa-1507	10	6	banking	banking	NOUN
ajfa-1507	10	7	regulation	regulation	NOUN
ajfa-1507	10	8	,	,	PUNCT
ajfa-1507	10	9	bank	bank	NOUN
ajfa-1507	10	10	performance	performance	NOUN
ajfa-1507	10	11	,	,	PUNCT
ajfa-1507	10	12	bank	bank	NOUN
ajfa-1507	10	13	risk	risk	NOUN
ajfa-1507	10	14	jel	jel	PROPN
ajfa-1507	10	15	classification	classification	NOUN
ajfa-1507	10	16	:	:	PUNCT
ajfa-1507	10	17	g15	g15	PROPN
ajfa-1507	10	18	,	,	PUNCT
ajfa-1507	10	19	g21	g21	PROPN
ajfa-1507	10	20	,	,	PUNCT
ajfa-1507	10	21	g28	g28	NOUN
ajfa-1507	10	22	,	,	PUNCT
ajfa-1507	10	23	c14	c14	PROPN
ajfa-1507	10	24	asian	asian	PROPN
ajfa-1507	10	25	journal	journal	PROPN
ajfa-1507	10	26	of	of	ADP
ajfa-1507	10	27	finance	finance	PROPN
ajfa-1507	10	28	&	&	CCONJ
ajfa-1507	10	29	accounting	accounting	PROPN
ajfa-1507	10	30	issn	issn	PROPN
ajfa-1507	10	31	1946	1946	NUM
ajfa-1507	10	32	-	-	PUNCT
ajfa-1507	10	33	052x	052x	NOUN
ajfa-1507	10	34	2012	2012	NUM
ajfa-1507	10	35	,	,	PUNCT
ajfa-1507	10	36	vol	vol	NOUN
ajfa-1507	10	37	.	.	PROPN
ajfa-1507	10	38	4	4	NUM
ajfa-1507	10	39	,	,	PUNCT
ajfa-1507	10	40	no	no	INTJ
ajfa-1507	10	41	.	.	NOUN
ajfa-1507	10	42	1	1	NUM
ajfa-1507	10	43	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	10	44	217	217	NUM
ajfa-1507	10	45	1	1	NUM
ajfa-1507	10	46	.	.	PUNCT
ajfa-1507	11	1	introduction	introduction	NOUN
ajfa-1507	11	2	the	the	DET
ajfa-1507	11	3	banking	banking	NOUN
ajfa-1507	11	4	system	system	NOUN
ajfa-1507	11	5	around	around	ADP
ajfa-1507	11	6	the	the	DET
ajfa-1507	11	7	globe	globe	NOUN
ajfa-1507	11	8	has	have	AUX
ajfa-1507	11	9	been	be	AUX
ajfa-1507	11	10	in	in	ADP
ajfa-1507	11	11	recent	recent	ADJ
ajfa-1507	11	12	years	year	NOUN
ajfa-1507	11	13	going	go	VERB
ajfa-1507	11	14	through	through	ADP
ajfa-1507	11	15	some	some	PRON
ajfa-1507	11	16	of	of	ADP
ajfa-1507	11	17	the	the	DET
ajfa-1507	11	18	most	most	ADV
ajfa-1507	11	19	intense	intense	ADJ
ajfa-1507	11	20	criticism	criticism	NOUN
ajfa-1507	11	21	and	and	CCONJ
ajfa-1507	11	22	scrutiny	scrutiny	NOUN
ajfa-1507	11	23	.	.	PUNCT
ajfa-1507	12	1	in	in	ADP
ajfa-1507	12	2	part	part	NOUN
ajfa-1507	12	3	many	many	ADJ
ajfa-1507	12	4	believe	believe	VERB
ajfa-1507	12	5	the	the	DET
ajfa-1507	12	6	lack	lack	NOUN
ajfa-1507	12	7	of	of	ADP
ajfa-1507	12	8	regulations	regulation	NOUN
ajfa-1507	12	9	and	and	CCONJ
ajfa-1507	12	10	supervisory	supervisory	ADJ
ajfa-1507	12	11	structures	structure	NOUN
ajfa-1507	12	12	have	have	AUX
ajfa-1507	12	13	brought	bring	VERB
ajfa-1507	12	14	the	the	DET
ajfa-1507	12	15	world	world	NOUN
ajfa-1507	12	16	to	to	ADP
ajfa-1507	12	17	a	a	DET
ajfa-1507	12	18	brink	brink	NOUN
ajfa-1507	12	19	of	of	ADP
ajfa-1507	12	20	financial	financial	ADJ
ajfa-1507	12	21	collapse	collapse	NOUN
ajfa-1507	12	22	,	,	PUNCT
ajfa-1507	12	23	while	while	SCONJ
ajfa-1507	12	24	on	on	ADP
ajfa-1507	12	25	the	the	DET
ajfa-1507	12	26	opposite	opposite	ADJ
ajfa-1507	12	27	side	side	NOUN
ajfa-1507	12	28	of	of	ADP
ajfa-1507	12	29	that	that	DET
ajfa-1507	12	30	coin	coin	NOUN
ajfa-1507	12	31	many	many	ADJ
ajfa-1507	12	32	believed	believe	VERB
ajfa-1507	12	33	the	the	DET
ajfa-1507	12	34	years	year	NOUN
ajfa-1507	12	35	of	of	ADP
ajfa-1507	12	36	prosperity	prosperity	NOUN
ajfa-1507	12	37	the	the	DET
ajfa-1507	12	38	world	world	NOUN
ajfa-1507	12	39	had	have	AUX
ajfa-1507	12	40	experienced	experience	VERB
ajfa-1507	12	41	just	just	ADV
ajfa-1507	12	42	prior	prior	ADV
ajfa-1507	12	43	to	to	ADP
ajfa-1507	12	44	the	the	DET
ajfa-1507	12	45	collapse	collapse	NOUN
ajfa-1507	12	46	were	be	AUX
ajfa-1507	12	47	largely	largely	ADV
ajfa-1507	12	48	in	in	ADP
ajfa-1507	12	49	part	part	NOUN
ajfa-1507	12	50	due	due	ADP
ajfa-1507	12	51	to	to	ADP
ajfa-1507	12	52	the	the	DET
ajfa-1507	12	53	deregulation	deregulation	NOUN
ajfa-1507	12	54	or	or	CCONJ
ajfa-1507	12	55	lack	lack	NOUN
ajfa-1507	12	56	of	of	ADP
ajfa-1507	12	57	regulation	regulation	NOUN
ajfa-1507	12	58	hence	hence	ADV
ajfa-1507	12	59	a	a	DET
ajfa-1507	12	60	near	near	ADP
ajfa-1507	12	61	free	free	ADJ
ajfa-1507	12	62	market	market	NOUN
ajfa-1507	12	63	with	with	ADP
ajfa-1507	12	64	regard	regard	NOUN
ajfa-1507	12	65	to	to	ADP
ajfa-1507	12	66	the	the	DET
ajfa-1507	12	67	financial	financial	ADJ
ajfa-1507	12	68	sector	sector	NOUN
ajfa-1507	12	69	(	(	PUNCT
ajfa-1507	12	70	reinhart	reinhart	NOUN
ajfa-1507	12	71	and	and	CCONJ
ajfa-1507	12	72	rogoff	rogoff	NOUN
ajfa-1507	12	73	.	.	PUNCT
ajfa-1507	13	1	2008	2008	NUM
ajfa-1507	13	2	;	;	PUNCT
ajfa-1507	13	3	brunnermeier	brunnermei	ADJ
ajfa-1507	13	4	&	&	CCONJ
ajfa-1507	13	5	pederson	pederson	PROPN
ajfa-1507	13	6	,	,	PUNCT
ajfa-1507	13	7	2009	2009	NUM
ajfa-1507	13	8	)	)	PUNCT
ajfa-1507	13	9	.	.	PUNCT
ajfa-1507	14	1	could	could	AUX
ajfa-1507	14	2	there	there	PRON
ajfa-1507	14	3	possibly	possibly	ADV
ajfa-1507	14	4	be	be	AUX
ajfa-1507	14	5	better	well	ADJ
ajfa-1507	14	6	efficiency	efficiency	NOUN
ajfa-1507	14	7	and	and	CCONJ
ajfa-1507	14	8	possibly	possibly	ADV
ajfa-1507	14	9	profitability	profitability	NOUN
ajfa-1507	14	10	where	where	SCONJ
ajfa-1507	14	11	a	a	DET
ajfa-1507	14	12	properly	properly	ADV
ajfa-1507	14	13	implemented	implement	VERB
ajfa-1507	14	14	regulatory	regulatory	ADJ
ajfa-1507	14	15	and	and	CCONJ
ajfa-1507	14	16	supervisory	supervisory	ADJ
ajfa-1507	14	17	framework	framework	NOUN
ajfa-1507	14	18	is	be	AUX
ajfa-1507	14	19	in	in	ADP
ajfa-1507	14	20	place	place	NOUN
ajfa-1507	14	21	?	?	PUNCT
ajfa-1507	15	1	would	would	AUX
ajfa-1507	15	2	evidence	evidence	VERB
ajfa-1507	15	3	suggest	suggest	VERB
ajfa-1507	15	4	so	so	ADV
ajfa-1507	15	5	?	?	PUNCT
ajfa-1507	16	1	this	this	DET
ajfa-1507	16	2	paper	paper	NOUN
ajfa-1507	16	3	will	will	AUX
ajfa-1507	16	4	try	try	VERB
ajfa-1507	16	5	to	to	PART
ajfa-1507	16	6	resolve	resolve	VERB
ajfa-1507	16	7	some	some	PRON
ajfa-1507	16	8	of	of	ADP
ajfa-1507	16	9	the	the	DET
ajfa-1507	16	10	myth	myth	NOUN
ajfa-1507	16	11	by	by	ADP
ajfa-1507	16	12	providing	provide	VERB
ajfa-1507	16	13	empirical	empirical	ADJ
ajfa-1507	16	14	support	support	NOUN
ajfa-1507	16	15	.	.	PUNCT
ajfa-1507	17	1	banking	banking	NOUN
ajfa-1507	17	2	regulations	regulation	NOUN
ajfa-1507	17	3	can	can	AUX
ajfa-1507	17	4	generally	generally	ADV
ajfa-1507	17	5	be	be	AUX
ajfa-1507	17	6	defined	define	VERB
ajfa-1507	17	7	as	as	ADP
ajfa-1507	17	8	the	the	DET
ajfa-1507	17	9	frameworks	framework	NOUN
ajfa-1507	17	10	controlling	control	VERB
ajfa-1507	17	11	the	the	DET
ajfa-1507	17	12	creation	creation	NOUN
ajfa-1507	17	13	,	,	PUNCT
ajfa-1507	17	14	operation	operation	NOUN
ajfa-1507	17	15	and	and	CCONJ
ajfa-1507	17	16	liquidation	liquidation	NOUN
ajfa-1507	17	17	of	of	ADP
ajfa-1507	17	18	banks	bank	NOUN
ajfa-1507	17	19	in	in	ADP
ajfa-1507	17	20	an	an	DET
ajfa-1507	17	21	economy	economy	NOUN
ajfa-1507	17	22	.	.	PUNCT
ajfa-1507	18	1	these	these	DET
ajfa-1507	18	2	regulations	regulation	NOUN
ajfa-1507	18	3	are	be	AUX
ajfa-1507	18	4	put	put	VERB
ajfa-1507	18	5	in	in	ADP
ajfa-1507	18	6	place	place	NOUN
ajfa-1507	18	7	by	by	ADP
ajfa-1507	18	8	central	central	ADJ
ajfa-1507	18	9	banks	bank	NOUN
ajfa-1507	18	10	and	and	CCONJ
ajfa-1507	18	11	finance	finance	NOUN
ajfa-1507	18	12	ministries	ministry	NOUN
ajfa-1507	18	13	and	and	CCONJ
ajfa-1507	18	14	the	the	DET
ajfa-1507	18	15	control	control	NOUN
ajfa-1507	18	16	is	be	AUX
ajfa-1507	18	17	exerted	exert	VERB
ajfa-1507	18	18	usually	usually	ADV
ajfa-1507	18	19	through	through	ADP
ajfa-1507	18	20	monitoring	monitoring	NOUN
ajfa-1507	18	21	carried	carry	VERB
ajfa-1507	18	22	out	out	ADP
ajfa-1507	18	23	by	by	ADP
ajfa-1507	18	24	specialized	specialized	ADJ
ajfa-1507	18	25	banking	banking	NOUN
ajfa-1507	18	26	supervisory	supervisory	ADJ
ajfa-1507	18	27	authorities	authority	NOUN
ajfa-1507	18	28	.	.	PUNCT
ajfa-1507	19	1	spong	spong	PROPN
ajfa-1507	19	2	(	(	PUNCT
ajfa-1507	19	3	2000	2000	NUM
ajfa-1507	19	4	)	)	PUNCT
ajfa-1507	19	5	from	from	ADP
ajfa-1507	19	6	the	the	DET
ajfa-1507	19	7	federal	federal	PROPN
ajfa-1507	19	8	reserve	reserve	PROPN
ajfa-1507	19	9	bank	bank	PROPN
ajfa-1507	19	10	of	of	ADP
ajfa-1507	19	11	kansas	kansas	PROPN
ajfa-1507	19	12	city	city	PROPN
ajfa-1507	19	13	highlights	highlight	NOUN
ajfa-1507	19	14	a	a	DET
ajfa-1507	19	15	few	few	ADJ
ajfa-1507	19	16	important	important	ADJ
ajfa-1507	19	17	reasons	reason	NOUN
ajfa-1507	19	18	for	for	ADP
ajfa-1507	19	19	introducing	introduce	VERB
ajfa-1507	19	20	bank	bank	NOUN
ajfa-1507	19	21	regulations	regulation	NOUN
ajfa-1507	19	22	.	.	PUNCT
ajfa-1507	20	1	the	the	DET
ajfa-1507	20	2	most	most	ADV
ajfa-1507	20	3	basic	basic	ADJ
ajfa-1507	20	4	reason	reason	NOUN
ajfa-1507	20	5	for	for	ADP
ajfa-1507	20	6	introducing	introduce	VERB
ajfa-1507	20	7	regulations	regulation	NOUN
ajfa-1507	20	8	is	be	AUX
ajfa-1507	20	9	to	to	PART
ajfa-1507	20	10	protect	protect	VERB
ajfa-1507	20	11	depositors	depositor	NOUN
ajfa-1507	20	12	from	from	ADP
ajfa-1507	20	13	undue	undue	ADJ
ajfa-1507	20	14	risks	risk	NOUN
ajfa-1507	20	15	to	to	ADP
ajfa-1507	20	16	their	their	PRON
ajfa-1507	20	17	deposits	deposit	NOUN
ajfa-1507	20	18	.	.	PUNCT
ajfa-1507	21	1	businesses	business	NOUN
ajfa-1507	21	2	and	and	CCONJ
ajfa-1507	21	3	individuals	individual	NOUN
ajfa-1507	21	4	alike	alike	ADV
ajfa-1507	21	5	hold	hold	VERB
ajfa-1507	21	6	significant	significant	ADJ
ajfa-1507	21	7	portions	portion	NOUN
ajfa-1507	21	8	of	of	ADP
ajfa-1507	21	9	their	their	PRON
ajfa-1507	21	10	funds	fund	NOUN
ajfa-1507	21	11	in	in	ADP
ajfa-1507	21	12	banks	bank	NOUN
ajfa-1507	21	13	and	and	CCONJ
ajfa-1507	21	14	there	there	PRON
ajfa-1507	21	15	are	be	VERB
ajfa-1507	21	16	valid	valid	ADJ
ajfa-1507	21	17	concerns	concern	NOUN
ajfa-1507	21	18	from	from	ADP
ajfa-1507	21	19	them	they	PRON
ajfa-1507	21	20	with	with	ADP
ajfa-1507	21	21	regards	regard	NOUN
ajfa-1507	21	22	to	to	ADP
ajfa-1507	21	23	protection	protection	NOUN
ajfa-1507	21	24	of	of	ADP
ajfa-1507	21	25	their	their	PRON
ajfa-1507	21	26	funds	fund	NOUN
ajfa-1507	21	27	.	.	PUNCT
ajfa-1507	22	1	as	as	ADP
ajfa-1507	22	2	a	a	DET
ajfa-1507	22	3	result	result	NOUN
ajfa-1507	22	4	,	,	PUNCT
ajfa-1507	22	5	authorities	authority	NOUN
ajfa-1507	22	6	respond	respond	VERB
ajfa-1507	22	7	to	to	ADP
ajfa-1507	22	8	such	such	ADJ
ajfa-1507	22	9	concerns	concern	NOUN
ajfa-1507	22	10	with	with	ADP
ajfa-1507	22	11	regulations	regulation	NOUN
ajfa-1507	22	12	attempting	attempt	VERB
ajfa-1507	22	13	to	to	PART
ajfa-1507	22	14	protect	protect	VERB
ajfa-1507	22	15	the	the	DET
ajfa-1507	22	16	bank	bank	NOUN
ajfa-1507	22	17	depositors	depositor	NOUN
ajfa-1507	22	18	.	.	PUNCT
ajfa-1507	23	1	meanwhile	meanwhile	ADV
ajfa-1507	23	2	,	,	PUNCT
ajfa-1507	23	3	with	with	ADP
ajfa-1507	23	4	enormous	enormous	ADJ
ajfa-1507	23	5	amounts	amount	NOUN
ajfa-1507	23	6	of	of	ADP
ajfa-1507	23	7	transactions	transaction	NOUN
ajfa-1507	23	8	conducted	conduct	VERB
ajfa-1507	23	9	daily	daily	ADV
ajfa-1507	23	10	by	by	ADP
ajfa-1507	23	11	businesses	business	NOUN
ajfa-1507	23	12	and	and	CCONJ
ajfa-1507	23	13	individuals	individual	NOUN
ajfa-1507	23	14	,	,	PUNCT
ajfa-1507	23	15	a	a	DET
ajfa-1507	23	16	stable	stable	ADJ
ajfa-1507	23	17	framework	framework	NOUN
ajfa-1507	23	18	is	be	AUX
ajfa-1507	23	19	required	require	VERB
ajfa-1507	23	20	to	to	PART
ajfa-1507	23	21	ensure	ensure	VERB
ajfa-1507	23	22	smooth	smooth	ADJ
ajfa-1507	23	23	and	and	CCONJ
ajfa-1507	23	24	acceptable	acceptable	ADJ
ajfa-1507	23	25	methods	method	NOUN
ajfa-1507	23	26	of	of	ADP
ajfa-1507	23	27	the	the	DET
ajfa-1507	23	28	payments	payment	NOUN
ajfa-1507	23	29	system	system	NOUN
ajfa-1507	23	30	are	be	AUX
ajfa-1507	23	31	in	in	ADP
ajfa-1507	23	32	place	place	NOUN
ajfa-1507	23	33	in	in	ADP
ajfa-1507	23	34	an	an	DET
ajfa-1507	23	35	economy	economy	NOUN
ajfa-1507	23	36	.	.	PUNCT
ajfa-1507	24	1	bank	bank	NOUN
ajfa-1507	24	2	regulations	regulation	NOUN
ajfa-1507	24	3	try	try	VERB
ajfa-1507	24	4	to	to	PART
ajfa-1507	24	5	provide	provide	VERB
ajfa-1507	24	6	this	this	DET
ajfa-1507	24	7	stable	stable	ADJ
ajfa-1507	24	8	framework	framework	NOUN
ajfa-1507	24	9	which	which	PRON
ajfa-1507	24	10	seeks	seek	VERB
ajfa-1507	24	11	to	to	PART
ajfa-1507	24	12	assure	assure	VERB
ajfa-1507	24	13	certainty	certainty	NOUN
ajfa-1507	24	14	and	and	CCONJ
ajfa-1507	24	15	safety	safety	NOUN
ajfa-1507	24	16	to	to	ADP
ajfa-1507	24	17	users	user	NOUN
ajfa-1507	24	18	of	of	ADP
ajfa-1507	24	19	the	the	DET
ajfa-1507	24	20	banking	banking	NOUN
ajfa-1507	24	21	payment	payment	NOUN
ajfa-1507	24	22	system	system	NOUN
ajfa-1507	24	23	which	which	PRON
ajfa-1507	24	24	is	be	AUX
ajfa-1507	24	25	critical	critical	ADJ
ajfa-1507	24	26	for	for	ADP
ajfa-1507	24	27	the	the	DET
ajfa-1507	24	28	wellbeing	wellbeing	NOUN
ajfa-1507	24	29	of	of	ADP
ajfa-1507	24	30	the	the	DET
ajfa-1507	24	31	economy	economy	NOUN
ajfa-1507	24	32	.	.	PUNCT
ajfa-1507	25	1	moreover	moreover	ADV
ajfa-1507	25	2	,	,	PUNCT
ajfa-1507	25	3	apart	apart	ADV
ajfa-1507	25	4	from	from	ADP
ajfa-1507	25	5	maintaining	maintain	VERB
ajfa-1507	25	6	public	public	ADJ
ajfa-1507	25	7	confidence	confidence	NOUN
ajfa-1507	25	8	,	,	PUNCT
ajfa-1507	25	9	banking	banking	NOUN
ajfa-1507	25	10	regulations	regulation	NOUN
ajfa-1507	25	11	also	also	ADV
ajfa-1507	25	12	try	try	VERB
ajfa-1507	25	13	to	to	PART
ajfa-1507	25	14	create	create	VERB
ajfa-1507	25	15	a	a	DET
ajfa-1507	25	16	regulatory	regulatory	ADJ
ajfa-1507	25	17	environment	environment	NOUN
ajfa-1507	25	18	where	where	SCONJ
ajfa-1507	25	19	banks	bank	NOUN
ajfa-1507	25	20	are	be	AUX
ajfa-1507	25	21	expected	expect	VERB
ajfa-1507	25	22	to	to	PART
ajfa-1507	25	23	be	be	AUX
ajfa-1507	25	24	efficient	efficient	ADJ
ajfa-1507	25	25	and	and	CCONJ
ajfa-1507	25	26	competitive	competitive	ADJ
ajfa-1507	25	27	;	;	PUNCT
ajfa-1507	25	28	and	and	CCONJ
ajfa-1507	25	29	are	be	AUX
ajfa-1507	25	30	also	also	ADV
ajfa-1507	25	31	expected	expect	VERB
ajfa-1507	25	32	to	to	PART
ajfa-1507	25	33	provide	provide	VERB
ajfa-1507	25	34	reasonable	reasonable	ADJ
ajfa-1507	25	35	levels	level	NOUN
ajfa-1507	25	36	of	of	ADP
ajfa-1507	25	37	banking	banking	NOUN
ajfa-1507	25	38	services	service	NOUN
ajfa-1507	25	39	throughout	throughout	ADP
ajfa-1507	25	40	the	the	DET
ajfa-1507	25	41	economy	economy	NOUN
ajfa-1507	25	42	.	.	PUNCT
ajfa-1507	26	1	the	the	DET
ajfa-1507	26	2	traditional	traditional	ADJ
ajfa-1507	26	3	view	view	NOUN
ajfa-1507	26	4	of	of	ADP
ajfa-1507	26	5	the	the	DET
ajfa-1507	26	6	impact	impact	NOUN
ajfa-1507	26	7	of	of	ADP
ajfa-1507	26	8	bank	bank	NOUN
ajfa-1507	26	9	regulation	regulation	NOUN
ajfa-1507	26	10	is	be	AUX
ajfa-1507	26	11	that	that	SCONJ
ajfa-1507	26	12	higher	high	ADJ
ajfa-1507	26	13	capital	capital	NOUN
ajfa-1507	26	14	requirements	requirement	NOUN
ajfa-1507	26	15	will	will	AUX
ajfa-1507	26	16	have	have	VERB
ajfa-1507	26	17	a	a	DET
ajfa-1507	26	18	positive	positive	ADJ
ajfa-1507	26	19	effect	effect	NOUN
ajfa-1507	26	20	on	on	ADP
ajfa-1507	26	21	the	the	DET
ajfa-1507	26	22	banking	banking	NOUN
ajfa-1507	26	23	sector	sector	NOUN
ajfa-1507	26	24	.	.	PUNCT
ajfa-1507	27	1	however	however	ADV
ajfa-1507	27	2	,	,	PUNCT
ajfa-1507	27	3	some	some	DET
ajfa-1507	27	4	studies	study	NOUN
ajfa-1507	27	5	indicate	indicate	VERB
ajfa-1507	27	6	that	that	SCONJ
ajfa-1507	27	7	capital	capital	NOUN
ajfa-1507	27	8	requirements	requirement	NOUN
ajfa-1507	27	9	increase	increase	VERB
ajfa-1507	27	10	banks	bank	NOUN
ajfa-1507	27	11	’	'	PUNCT
ajfa-1507	27	12	risk	risk	NOUN
ajfa-1507	27	13	-	-	PUNCT
ajfa-1507	27	14	taking	take	VERB
ajfa-1507	27	15	behaviour	behaviour	NOUN
ajfa-1507	27	16	(	(	PUNCT
ajfa-1507	27	17	e.g.	e.g.	ADV
ajfa-1507	27	18	blum	blum	PROPN
ajfa-1507	27	19	,	,	PUNCT
ajfa-1507	27	20	1999	1999	NUM
ajfa-1507	27	21	;	;	PUNCT
ajfa-1507	27	22	calem	calem	NOUN
ajfa-1507	27	23	and	and	CCONJ
ajfa-1507	27	24	rob	rob	PROPN
ajfa-1507	27	25	,	,	PUNCT
ajfa-1507	27	26	1999	1999	NUM
ajfa-1507	27	27	)	)	PUNCT
ajfa-1507	27	28	.	.	PUNCT
ajfa-1507	28	1	barth	barth	NOUN
ajfa-1507	28	2	et	et	PROPN
ajfa-1507	28	3	al	al	PROPN
ajfa-1507	28	4	.	.	PROPN
ajfa-1507	29	1	(	(	PUNCT
ajfa-1507	29	2	2004	2004	NUM
ajfa-1507	29	3	)	)	PUNCT
ajfa-1507	29	4	find	find	VERB
ajfa-1507	29	5	that	that	SCONJ
ajfa-1507	29	6	while	while	SCONJ
ajfa-1507	29	7	stringent	stringent	ADJ
ajfa-1507	29	8	capital	capital	NOUN
ajfa-1507	29	9	requirements	requirement	NOUN
ajfa-1507	29	10	are	be	AUX
ajfa-1507	29	11	associated	associate	VERB
ajfa-1507	29	12	with	with	ADP
ajfa-1507	29	13	fewer	few	ADJ
ajfa-1507	29	14	non	non	ADJ
ajfa-1507	29	15	-	-	ADJ
ajfa-1507	29	16	performing	performing	ADJ
ajfa-1507	29	17	loans	loan	NOUN
ajfa-1507	29	18	,	,	PUNCT
ajfa-1507	29	19	capital	capital	NOUN
ajfa-1507	29	20	stringency	stringency	NOUN
ajfa-1507	29	21	is	be	AUX
ajfa-1507	29	22	not	not	PART
ajfa-1507	29	23	robustly	robustly	ADV
ajfa-1507	29	24	linked	link	VERB
ajfa-1507	29	25	with	with	ADP
ajfa-1507	29	26	banking	banking	NOUN
ajfa-1507	29	27	sector	sector	NOUN
ajfa-1507	29	28	stability	stability	NOUN
ajfa-1507	29	29	,	,	PUNCT
ajfa-1507	29	30	development	development	NOUN
ajfa-1507	29	31	or	or	CCONJ
ajfa-1507	29	32	bank	bank	NOUN
ajfa-1507	29	33	performance	performance	NOUN
ajfa-1507	29	34	(	(	PUNCT
ajfa-1507	29	35	measured	measure	VERB
ajfa-1507	29	36	with	with	ADP
ajfa-1507	29	37	overhead	overhead	NOUN
ajfa-1507	29	38	and	and	CCONJ
ajfa-1507	29	39	margin	margin	NOUN
ajfa-1507	29	40	ratios	ratio	NOUN
ajfa-1507	29	41	)	)	PUNCT
ajfa-1507	29	42	when	when	SCONJ
ajfa-1507	29	43	controlling	control	VERB
ajfa-1507	29	44	for	for	ADP
ajfa-1507	29	45	other	other	ADJ
ajfa-1507	29	46	supervisory	supervisory	ADJ
ajfa-1507	29	47	regulatory	regulatory	ADJ
ajfa-1507	29	48	policies	policy	NOUN
ajfa-1507	29	49	.	.	PUNCT
ajfa-1507	30	1	in	in	ADP
ajfa-1507	30	2	theory	theory	NOUN
ajfa-1507	30	3	,	,	PUNCT
ajfa-1507	30	4	there	there	PRON
ajfa-1507	30	5	tends	tend	VERB
ajfa-1507	30	6	to	to	PART
ajfa-1507	30	7	be	be	AUX
ajfa-1507	30	8	support	support	NOUN
ajfa-1507	30	9	for	for	ADP
ajfa-1507	30	10	both	both	CCONJ
ajfa-1507	30	11	the	the	DET
ajfa-1507	30	12	official	official	ADJ
ajfa-1507	30	13	supervision	supervision	NOUN
ajfa-1507	30	14	approach	approach	NOUN
ajfa-1507	30	15	and	and	CCONJ
ajfa-1507	30	16	the	the	DET
ajfa-1507	30	17	private	private	ADJ
ajfa-1507	30	18	monitoring	monitoring	NOUN
ajfa-1507	30	19	approach	approach	NOUN
ajfa-1507	30	20	to	to	ADP
ajfa-1507	30	21	bank	bank	PROPN
ajfa-1507	30	22	supervision	supervision	NOUN
ajfa-1507	30	23	.	.	PUNCT
ajfa-1507	31	1	the	the	DET
ajfa-1507	31	2	official	official	ADJ
ajfa-1507	31	3	supervision	supervision	NOUN
ajfa-1507	31	4	approach	approach	NOUN
ajfa-1507	31	5	argues	argue	VERB
ajfa-1507	31	6	that	that	SCONJ
ajfa-1507	31	7	official	official	ADJ
ajfa-1507	31	8	supervisors	supervisor	NOUN
ajfa-1507	31	9	have	have	VERB
ajfa-1507	31	10	the	the	DET
ajfa-1507	31	11	capabilities	capability	NOUN
ajfa-1507	31	12	to	to	PART
ajfa-1507	31	13	avoid	avoid	VERB
ajfa-1507	31	14	market	market	NOUN
ajfa-1507	31	15	failure	failure	NOUN
ajfa-1507	31	16	by	by	ADP
ajfa-1507	31	17	directly	directly	ADV
ajfa-1507	31	18	overseeing	oversee	VERB
ajfa-1507	31	19	,	,	PUNCT
ajfa-1507	31	20	regulating	regulating	NOUN
ajfa-1507	31	21	,	,	PUNCT
ajfa-1507	31	22	and	and	CCONJ
ajfa-1507	31	23	disciplining	discipline	VERB
ajfa-1507	31	24	banks	bank	NOUN
ajfa-1507	31	25	.	.	PUNCT
ajfa-1507	32	1	by	by	ADP
ajfa-1507	32	2	contrast	contrast	NOUN
ajfa-1507	32	3	,	,	PUNCT
ajfa-1507	32	4	the	the	DET
ajfa-1507	32	5	private	private	ADJ
ajfa-1507	32	6	monitoring	monitoring	NOUN
ajfa-1507	32	7	approach	approach	NOUN
ajfa-1507	32	8	argues	argue	VERB
ajfa-1507	32	9	that	that	SCONJ
ajfa-1507	32	10	powerful	powerful	ADJ
ajfa-1507	32	11	supervision	supervision	NOUN
ajfa-1507	32	12	might	might	AUX
ajfa-1507	32	13	be	be	AUX
ajfa-1507	32	14	related	relate	VERB
ajfa-1507	32	15	to	to	ADP
ajfa-1507	32	16	corruption	corruption	NOUN
ajfa-1507	32	17	or	or	CCONJ
ajfa-1507	32	18	other	other	ADJ
ajfa-1507	32	19	factors	factor	NOUN
ajfa-1507	32	20	that	that	PRON
ajfa-1507	32	21	impede	impede	VERB
ajfa-1507	32	22	bank	bank	PROPN
ajfa-1507	32	23	asian	asian	ADJ
ajfa-1507	32	24	journal	journal	PROPN
ajfa-1507	32	25	of	of	ADP
ajfa-1507	32	26	finance	finance	PROPN
ajfa-1507	32	27	&	&	CCONJ
ajfa-1507	32	28	accounting	accounting	PROPN
ajfa-1507	32	29	issn	issn	PROPN
ajfa-1507	32	30	1946	1946	NUM
ajfa-1507	32	31	-	-	PUNCT
ajfa-1507	32	32	052x	052x	NOUN
ajfa-1507	32	33	2012	2012	NUM
ajfa-1507	32	34	,	,	PUNCT
ajfa-1507	32	35	vol	vol	NOUN
ajfa-1507	32	36	.	.	PROPN
ajfa-1507	32	37	4	4	NUM
ajfa-1507	32	38	,	,	PUNCT
ajfa-1507	32	39	no	no	INTJ
ajfa-1507	32	40	.	.	NOUN
ajfa-1507	32	41	1	1	NUM
ajfa-1507	32	42	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	32	43	218	218	NUM
ajfa-1507	32	44	operations	operation	NOUN
ajfa-1507	32	45	,	,	PUNCT
ajfa-1507	32	46	and	and	CCONJ
ajfa-1507	32	47	regulations	regulation	NOUN
ajfa-1507	32	48	that	that	PRON
ajfa-1507	32	49	promote	promote	VERB
ajfa-1507	32	50	private	private	ADJ
ajfa-1507	32	51	monitoring	monitoring	NOUN
ajfa-1507	32	52	will	will	AUX
ajfa-1507	32	53	result	result	VERB
ajfa-1507	32	54	in	in	ADP
ajfa-1507	32	55	better	well	ADJ
ajfa-1507	32	56	outcomes	outcome	NOUN
ajfa-1507	32	57	for	for	ADP
ajfa-1507	32	58	the	the	DET
ajfa-1507	32	59	banking	banking	NOUN
ajfa-1507	32	60	sector	sector	NOUN
ajfa-1507	32	61	.	.	PUNCT
ajfa-1507	33	1	if	if	SCONJ
ajfa-1507	33	2	this	this	PRON
ajfa-1507	33	3	would	would	AUX
ajfa-1507	33	4	have	have	AUX
ajfa-1507	33	5	been	be	AUX
ajfa-1507	33	6	the	the	DET
ajfa-1507	33	7	case	case	NOUN
ajfa-1507	33	8	the	the	DET
ajfa-1507	33	9	world	world	NOUN
ajfa-1507	33	10	should	should	AUX
ajfa-1507	33	11	not	not	PART
ajfa-1507	33	12	have	have	AUX
ajfa-1507	33	13	witnessed	witness	VERB
ajfa-1507	33	14	global	global	ADJ
ajfa-1507	33	15	banking	banking	NOUN
ajfa-1507	33	16	crises	crisis	NOUN
ajfa-1507	33	17	.	.	PUNCT
ajfa-1507	34	1	in	in	ADP
ajfa-1507	34	2	another	another	DET
ajfa-1507	34	3	aspect	aspect	NOUN
ajfa-1507	34	4	of	of	ADP
ajfa-1507	34	5	banking	banking	NOUN
ajfa-1507	34	6	has	have	AUX
ajfa-1507	34	7	been	be	AUX
ajfa-1507	34	8	the	the	DET
ajfa-1507	34	9	recent	recent	ADJ
ajfa-1507	34	10	rise	rise	NOUN
ajfa-1507	34	11	of	of	ADP
ajfa-1507	34	12	islamic	islamic	ADJ
ajfa-1507	34	13	finance	finance	NOUN
ajfa-1507	34	14	,	,	PUNCT
ajfa-1507	34	15	while	while	SCONJ
ajfa-1507	34	16	the	the	DET
ajfa-1507	34	17	rest	rest	NOUN
ajfa-1507	34	18	of	of	ADP
ajfa-1507	34	19	the	the	DET
ajfa-1507	34	20	world	world	NOUN
ajfa-1507	34	21	and	and	CCONJ
ajfa-1507	34	22	industry	industry	NOUN
ajfa-1507	34	23	continues	continue	VERB
ajfa-1507	34	24	on	on	ADP
ajfa-1507	34	25	with	with	ADP
ajfa-1507	34	26	the	the	DET
ajfa-1507	34	27	business	business	NOUN
ajfa-1507	34	28	of	of	ADP
ajfa-1507	34	29	arguing	argue	VERB
ajfa-1507	34	30	as	as	ADP
ajfa-1507	34	31	to	to	ADP
ajfa-1507	34	32	what	what	DET
ajfa-1507	34	33	level	level	NOUN
ajfa-1507	34	34	of	of	ADP
ajfa-1507	34	35	banking	banking	NOUN
ajfa-1507	34	36	regulations	regulation	NOUN
ajfa-1507	34	37	is	be	AUX
ajfa-1507	34	38	needed	need	VERB
ajfa-1507	34	39	,	,	PUNCT
ajfa-1507	34	40	there	there	ADV
ajfa-1507	34	41	in	in	ADP
ajfa-1507	34	42	many	many	ADJ
ajfa-1507	34	43	corners	corner	NOUN
ajfa-1507	34	44	of	of	ADP
ajfa-1507	34	45	the	the	DET
ajfa-1507	34	46	world	world	NOUN
ajfa-1507	34	47	is	be	AUX
ajfa-1507	34	48	the	the	DET
ajfa-1507	34	49	rise	rise	NOUN
ajfa-1507	34	50	of	of	ADP
ajfa-1507	34	51	a	a	DET
ajfa-1507	34	52	different	different	ADJ
ajfa-1507	34	53	type	type	NOUN
ajfa-1507	34	54	of	of	ADP
ajfa-1507	34	55	banking	banking	NOUN
ajfa-1507	34	56	system	system	NOUN
ajfa-1507	34	57	,	,	PUNCT
ajfa-1507	34	58	in	in	ADP
ajfa-1507	34	59	this	this	DET
ajfa-1507	34	60	aspect	aspect	NOUN
ajfa-1507	34	61	it	it	PRON
ajfa-1507	34	62	encompasses	encompass	VERB
ajfa-1507	34	63	a	a	DET
ajfa-1507	34	64	wide	wide	ADJ
ajfa-1507	34	65	array	array	NOUN
ajfa-1507	34	66	of	of	ADP
ajfa-1507	34	67	concepts	concept	NOUN
ajfa-1507	34	68	from	from	ADP
ajfa-1507	34	69	fully	fully	ADV
ajfa-1507	34	70	fledged	fledge	VERB
ajfa-1507	34	71	financial	financial	ADJ
ajfa-1507	34	72	institutions	institution	NOUN
ajfa-1507	34	73	to	to	ADP
ajfa-1507	34	74	normal	normal	ADJ
ajfa-1507	34	75	financial	financial	ADJ
ajfa-1507	34	76	institutions	institution	NOUN
ajfa-1507	34	77	having	have	VERB
ajfa-1507	34	78	an	an	DET
ajfa-1507	34	79	islamic	islamic	ADJ
ajfa-1507	34	80	financing	financing	NOUN
ajfa-1507	34	81	arm	arm	NOUN
ajfa-1507	34	82	that	that	PRON
ajfa-1507	34	83	offers	offer	VERB
ajfa-1507	34	84	saving	save	VERB
ajfa-1507	34	85	schemes	scheme	NOUN
ajfa-1507	34	86	,	,	PUNCT
ajfa-1507	34	87	loans	loan	NOUN
ajfa-1507	34	88	or	or	CCONJ
ajfa-1507	34	89	bonds	bond	NOUN
ajfa-1507	34	90	commonly	commonly	ADV
ajfa-1507	34	91	known	know	VERB
ajfa-1507	34	92	as	as	ADP
ajfa-1507	34	93	sukuk	sukuk	NOUN
ajfa-1507	34	94	.	.	PUNCT
ajfa-1507	35	1	however	however	ADV
ajfa-1507	35	2	like	like	INTJ
ajfa-1507	35	3	every	every	DET
ajfa-1507	35	4	system	system	NOUN
ajfa-1507	35	5	that	that	PRON
ajfa-1507	35	6	is	be	AUX
ajfa-1507	35	7	theological	theological	ADJ
ajfa-1507	35	8	based	base	VERB
ajfa-1507	35	9	it	it	PRON
ajfa-1507	35	10	is	be	AUX
ajfa-1507	35	11	often	often	ADV
ajfa-1507	35	12	open	open	ADJ
ajfa-1507	35	13	for	for	ADP
ajfa-1507	35	14	interpretation	interpretation	NOUN
ajfa-1507	35	15	and	and	CCONJ
ajfa-1507	35	16	often	often	ADV
ajfa-1507	35	17	it	it	PRON
ajfa-1507	35	18	is	be	AUX
ajfa-1507	35	19	done	do	VERB
ajfa-1507	35	20	nationally	nationally	ADV
ajfa-1507	35	21	or	or	CCONJ
ajfa-1507	35	22	regionally	regionally	ADV
ajfa-1507	35	23	,	,	PUNCT
ajfa-1507	35	24	the	the	DET
ajfa-1507	35	25	islamic	islamic	ADJ
ajfa-1507	35	26	finance	finance	NOUN
ajfa-1507	35	27	industry	industry	NOUN
ajfa-1507	35	28	has	have	AUX
ajfa-1507	35	29	also	also	ADV
ajfa-1507	35	30	been	be	AUX
ajfa-1507	35	31	riddled	riddle	VERB
ajfa-1507	35	32	with	with	ADP
ajfa-1507	35	33	many	many	ADJ
ajfa-1507	35	34	of	of	ADP
ajfa-1507	35	35	such	such	ADJ
ajfa-1507	35	36	issues	issue	NOUN
ajfa-1507	35	37	many	many	ADJ
ajfa-1507	35	38	of	of	ADP
ajfa-1507	35	39	which	which	PRON
ajfa-1507	35	40	could	could	AUX
ajfa-1507	35	41	boil	boil	VERB
ajfa-1507	35	42	down	down	ADP
ajfa-1507	35	43	towards	towards	ADP
ajfa-1507	35	44	lack	lack	NOUN
ajfa-1507	35	45	of	of	ADP
ajfa-1507	35	46	proper	proper	ADJ
ajfa-1507	35	47	supervision	supervision	NOUN
ajfa-1507	35	48	and	and	CCONJ
ajfa-1507	35	49	many	many	ADJ
ajfa-1507	35	50	is	be	AUX
ajfa-1507	35	51	simply	simply	ADV
ajfa-1507	35	52	due	due	ADJ
ajfa-1507	35	53	to	to	ADP
ajfa-1507	35	54	the	the	DET
ajfa-1507	35	55	lack	lack	NOUN
ajfa-1507	35	56	of	of	ADP
ajfa-1507	35	57	compliance	compliance	NOUN
ajfa-1507	35	58	and	and	CCONJ
ajfa-1507	35	59	regulatory	regulatory	ADJ
ajfa-1507	35	60	measures	measure	NOUN
ajfa-1507	35	61	.	.	PUNCT
ajfa-1507	36	1	when	when	SCONJ
ajfa-1507	36	2	reading	read	VERB
ajfa-1507	36	3	such	such	DET
ajfa-1507	36	4	a	a	DET
ajfa-1507	36	5	paper	paper	NOUN
ajfa-1507	36	6	it	it	PRON
ajfa-1507	36	7	is	be	AUX
ajfa-1507	36	8	easy	easy	ADJ
ajfa-1507	36	9	to	to	PART
ajfa-1507	36	10	dismiss	dismiss	VERB
ajfa-1507	36	11	the	the	DET
ajfa-1507	36	12	importance	importance	NOUN
ajfa-1507	36	13	of	of	ADP
ajfa-1507	36	14	islamic	islamic	ADJ
ajfa-1507	36	15	banking	banking	NOUN
ajfa-1507	36	16	whether	whether	SCONJ
ajfa-1507	36	17	because	because	SCONJ
ajfa-1507	36	18	it	it	PRON
ajfa-1507	36	19	is	be	AUX
ajfa-1507	36	20	through	through	ADP
ajfa-1507	36	21	our	our	PRON
ajfa-1507	36	22	own	own	ADJ
ajfa-1507	36	23	ignorance	ignorance	NOUN
ajfa-1507	36	24	,	,	PUNCT
ajfa-1507	36	25	lack	lack	NOUN
ajfa-1507	36	26	of	of	ADP
ajfa-1507	36	27	understanding	understanding	NOUN
ajfa-1507	36	28	to	to	ADP
ajfa-1507	36	29	the	the	DET
ajfa-1507	36	30	system	system	NOUN
ajfa-1507	36	31	,	,	PUNCT
ajfa-1507	36	32	prejudices	prejudice	NOUN
ajfa-1507	36	33	and	and	CCONJ
ajfa-1507	36	34	to	to	ADP
ajfa-1507	36	35	a	a	DET
ajfa-1507	36	36	certain	certain	ADJ
ajfa-1507	36	37	extent	extent	NOUN
ajfa-1507	36	38	familiarity	familiarity	NOUN
ajfa-1507	36	39	with	with	ADP
ajfa-1507	36	40	conventional	conventional	ADJ
ajfa-1507	36	41	banking	banking	NOUN
ajfa-1507	36	42	.	.	PUNCT
ajfa-1507	37	1	however	however	ADV
ajfa-1507	37	2	islamic	islamic	ADJ
ajfa-1507	37	3	financial	financial	ADJ
ajfa-1507	37	4	markets	market	NOUN
ajfa-1507	37	5	are	be	AUX
ajfa-1507	37	6	among	among	ADP
ajfa-1507	37	7	the	the	DET
ajfa-1507	37	8	fastest	fast	ADJ
ajfa-1507	37	9	growing	grow	VERB
ajfa-1507	37	10	financial	financial	ADJ
ajfa-1507	37	11	products	product	NOUN
ajfa-1507	37	12	in	in	ADP
ajfa-1507	37	13	the	the	DET
ajfa-1507	37	14	world	world	NOUN
ajfa-1507	37	15	.	.	PUNCT
ajfa-1507	38	1	this	this	PRON
ajfa-1507	38	2	will	will	AUX
ajfa-1507	38	3	see	see	VERB
ajfa-1507	38	4	further	further	ADJ
ajfa-1507	38	5	growth	growth	NOUN
ajfa-1507	38	6	in	in	ADP
ajfa-1507	38	7	years	year	NOUN
ajfa-1507	38	8	to	to	PART
ajfa-1507	38	9	come	come	VERB
ajfa-1507	38	10	as	as	ADV
ajfa-1507	38	11	more	more	ADJ
ajfa-1507	38	12	and	and	CCONJ
ajfa-1507	38	13	more	more	ADJ
ajfa-1507	38	14	countries	country	NOUN
ajfa-1507	38	15	are	be	AUX
ajfa-1507	38	16	embarking	embark	VERB
ajfa-1507	38	17	on	on	ADP
ajfa-1507	38	18	islamic	islamic	ADJ
ajfa-1507	38	19	banking	banking	NOUN
ajfa-1507	38	20	and	and	CCONJ
ajfa-1507	38	21	discovering	discover	VERB
ajfa-1507	38	22	the	the	DET
ajfa-1507	38	23	benefits	benefit	NOUN
ajfa-1507	38	24	of	of	ADP
ajfa-1507	38	25	using	use	VERB
ajfa-1507	38	26	islamic	islamic	ADJ
ajfa-1507	38	27	finance	finance	NOUN
ajfa-1507	38	28	over	over	ADP
ajfa-1507	38	29	conventional	conventional	ADJ
ajfa-1507	38	30	financing	financing	NOUN
ajfa-1507	38	31	schemes	scheme	NOUN
ajfa-1507	38	32	.	.	PUNCT
ajfa-1507	39	1	as	as	SCONJ
ajfa-1507	39	2	highlighted	highlight	VERB
ajfa-1507	39	3	by	by	ADP
ajfa-1507	39	4	perry	perry	PROPN
ajfa-1507	39	5	&	&	CCONJ
ajfa-1507	39	6	rehman	rehman	PROPN
ajfa-1507	39	7	(	(	PUNCT
ajfa-1507	39	8	2011	2011	NUM
ajfa-1507	39	9	)	)	PUNCT
ajfa-1507	39	10	“	"	PUNCT
ajfa-1507	39	11	while	while	SCONJ
ajfa-1507	39	12	many	many	ADJ
ajfa-1507	39	13	of	of	ADP
ajfa-1507	39	14	the	the	DET
ajfa-1507	39	15	conventional	conventional	ADJ
ajfa-1507	39	16	banks	bank	NOUN
ajfa-1507	39	17	suffered	suffer	VERB
ajfa-1507	39	18	major	major	ADJ
ajfa-1507	39	19	loses	lose	VERB
ajfa-1507	39	20	in	in	ADP
ajfa-1507	39	21	the	the	DET
ajfa-1507	39	22	aftermath	aftermath	NOUN
ajfa-1507	39	23	of	of	ADP
ajfa-1507	39	24	the	the	DET
ajfa-1507	39	25	sub	sub	ADJ
ajfa-1507	39	26	-	-	ADJ
ajfa-1507	39	27	prime	prime	ADJ
ajfa-1507	39	28	mortgage	mortgage	NOUN
ajfa-1507	39	29	crisis	crisis	NOUN
ajfa-1507	39	30	,	,	PUNCT
ajfa-1507	39	31	most	most	ADJ
ajfa-1507	39	32	banks	bank	NOUN
ajfa-1507	39	33	following	follow	VERB
ajfa-1507	39	34	the	the	DET
ajfa-1507	39	35	islamic	islamic	ADJ
ajfa-1507	39	36	system	system	NOUN
ajfa-1507	39	37	were	be	AUX
ajfa-1507	39	38	largely	largely	ADV
ajfa-1507	39	39	profitable	profitable	ADJ
ajfa-1507	39	40	”	"	PUNCT
ajfa-1507	39	41	.	.	PUNCT
ajfa-1507	40	1	however	however	ADV
ajfa-1507	40	2	there	there	PRON
ajfa-1507	40	3	exist	exist	VERB
ajfa-1507	40	4	some	some	DET
ajfa-1507	40	5	dark	dark	ADJ
ajfa-1507	40	6	clouds	cloud	NOUN
ajfa-1507	40	7	over	over	ADP
ajfa-1507	40	8	the	the	DET
ajfa-1507	40	9	horizon	horizon	NOUN
ajfa-1507	40	10	for	for	SCONJ
ajfa-1507	40	11	it	it	PRON
ajfa-1507	40	12	to	to	PART
ajfa-1507	40	13	be	be	AUX
ajfa-1507	40	14	accepted	accept	VERB
ajfa-1507	40	15	universally	universally	ADV
ajfa-1507	40	16	as	as	ADP
ajfa-1507	40	17	a	a	DET
ajfa-1507	40	18	mainstream	mainstream	NOUN
ajfa-1507	40	19	bank	bank	NOUN
ajfa-1507	40	20	but	but	CCONJ
ajfa-1507	40	21	mostly	mostly	ADV
ajfa-1507	40	22	as	as	ADP
ajfa-1507	40	23	an	an	DET
ajfa-1507	40	24	alternative	alternative	NOUN
ajfa-1507	40	25	.	.	PUNCT
ajfa-1507	41	1	thus	thus	ADV
ajfa-1507	41	2	one	one	NUM
ajfa-1507	41	3	of	of	ADP
ajfa-1507	41	4	the	the	DET
ajfa-1507	41	5	major	major	ADJ
ajfa-1507	41	6	contributions	contribution	NOUN
ajfa-1507	41	7	of	of	ADP
ajfa-1507	41	8	this	this	DET
ajfa-1507	41	9	paper	paper	NOUN
ajfa-1507	41	10	is	be	AUX
ajfa-1507	41	11	to	to	PART
ajfa-1507	41	12	empirically	empirically	ADV
ajfa-1507	41	13	verify	verify	VERB
ajfa-1507	41	14	the	the	DET
ajfa-1507	41	15	role	role	NOUN
ajfa-1507	41	16	of	of	ADP
ajfa-1507	41	17	regulatory	regulatory	ADJ
ajfa-1507	41	18	and	and	CCONJ
ajfa-1507	41	19	supervisory	supervisory	ADJ
ajfa-1507	41	20	structure	structure	NOUN
ajfa-1507	41	21	on	on	ADP
ajfa-1507	41	22	the	the	DET
ajfa-1507	41	23	efficiency	efficiency	NOUN
ajfa-1507	41	24	and	and	CCONJ
ajfa-1507	41	25	risk	risk	NOUN
ajfa-1507	41	26	taking	take	VERB
ajfa-1507	41	27	for	for	ADP
ajfa-1507	41	28	both	both	DET
ajfa-1507	41	29	conventional	conventional	ADJ
ajfa-1507	41	30	banks	bank	NOUN
ajfa-1507	41	31	and	and	CCONJ
ajfa-1507	41	32	islamic	islamic	ADJ
ajfa-1507	41	33	banks	bank	NOUN
ajfa-1507	41	34	under	under	ADP
ajfa-1507	41	35	dual	dual	ADJ
ajfa-1507	41	36	banking	banking	NOUN
ajfa-1507	41	37	system	system	NOUN
ajfa-1507	41	38	.	.	PUNCT
ajfa-1507	42	1	for	for	ADP
ajfa-1507	42	2	the	the	DET
ajfa-1507	42	3	best	good	ADJ
ajfa-1507	42	4	of	of	ADP
ajfa-1507	42	5	the	the	DET
ajfa-1507	42	6	knowledge	knowledge	NOUN
ajfa-1507	42	7	of	of	ADP
ajfa-1507	42	8	author	author	NOUN
ajfa-1507	42	9	this	this	PRON
ajfa-1507	42	10	will	will	AUX
ajfa-1507	42	11	be	be	AUX
ajfa-1507	42	12	first	first	ADJ
ajfa-1507	42	13	quantitative	quantitative	ADJ
ajfa-1507	42	14	study	study	NOUN
ajfa-1507	42	15	to	to	PART
ajfa-1507	42	16	highlight	highlight	VERB
ajfa-1507	42	17	the	the	DET
ajfa-1507	42	18	banks	bank	NOUN
ajfa-1507	42	19	’	’	PART
ajfa-1507	42	20	risk	risk	NOUN
ajfa-1507	42	21	and	and	CCONJ
ajfa-1507	42	22	return	return	VERB
ajfa-1507	42	23	in	in	ADP
ajfa-1507	42	24	dual	dual	ADJ
ajfa-1507	42	25	banking	banking	NOUN
ajfa-1507	42	26	system	system	NOUN
ajfa-1507	42	27	.	.	PUNCT
ajfa-1507	43	1	another	another	DET
ajfa-1507	43	2	motivation	motivation	NOUN
ajfa-1507	43	3	for	for	ADP
ajfa-1507	43	4	this	this	DET
ajfa-1507	43	5	study	study	NOUN
ajfa-1507	43	6	is	be	AUX
ajfa-1507	43	7	to	to	PART
ajfa-1507	43	8	substantiate	substantiate	VERB
ajfa-1507	43	9	if	if	SCONJ
ajfa-1507	43	10	the	the	DET
ajfa-1507	43	11	efficiency	efficiency	NOUN
ajfa-1507	43	12	and	and	CCONJ
ajfa-1507	43	13	risk	risk	NOUN
ajfa-1507	43	14	taking	take	VERB
ajfa-1507	43	15	for	for	ADP
ajfa-1507	43	16	islamic	islamic	ADJ
ajfa-1507	43	17	banks	bank	NOUN
ajfa-1507	43	18	and	and	CCONJ
ajfa-1507	43	19	conventional	conventional	ADJ
ajfa-1507	43	20	banks	bank	NOUN
ajfa-1507	43	21	varies	vary	VERB
ajfa-1507	43	22	under	under	ADP
ajfa-1507	43	23	given	give	VERB
ajfa-1507	43	24	regulatory	regulatory	ADJ
ajfa-1507	43	25	and	and	CCONJ
ajfa-1507	43	26	supervisory	supervisory	ADJ
ajfa-1507	43	27	structures	structure	NOUN
ajfa-1507	43	28	.	.	PUNCT
ajfa-1507	44	1	the	the	DET
ajfa-1507	44	2	new	new	ADJ
ajfa-1507	44	3	regulation	regulation	NOUN
ajfa-1507	44	4	underlining	underline	VERB
ajfa-1507	44	5	basel	basel	PROPN
ajfa-1507	44	6	iii	iii	PROPN
ajfa-1507	44	7	aspires	aspire	VERB
ajfa-1507	44	8	to	to	PART
ajfa-1507	44	9	make	make	VERB
ajfa-1507	44	10	the	the	DET
ajfa-1507	44	11	global	global	ADJ
ajfa-1507	44	12	banking	banking	NOUN
ajfa-1507	44	13	system	system	NOUN
ajfa-1507	44	14	safer	safe	ADJ
ajfa-1507	44	15	by	by	ADP
ajfa-1507	44	16	redressing	redress	VERB
ajfa-1507	44	17	many	many	ADJ
ajfa-1507	44	18	of	of	ADP
ajfa-1507	44	19	the	the	DET
ajfa-1507	44	20	flaws	flaw	NOUN
ajfa-1507	44	21	that	that	PRON
ajfa-1507	44	22	became	become	VERB
ajfa-1507	44	23	visible	visible	ADJ
ajfa-1507	44	24	in	in	ADP
ajfa-1507	44	25	the	the	DET
ajfa-1507	44	26	recent	recent	ADJ
ajfa-1507	44	27	financial	financial	ADJ
ajfa-1507	44	28	crisis	crisis	NOUN
ajfa-1507	44	29	.	.	PUNCT
ajfa-1507	45	1	improving	improve	VERB
ajfa-1507	45	2	the	the	DET
ajfa-1507	45	3	quality	quality	NOUN
ajfa-1507	45	4	and	and	CCONJ
ajfa-1507	45	5	depth	depth	NOUN
ajfa-1507	45	6	of	of	ADP
ajfa-1507	45	7	capital	capital	NOUN
ajfa-1507	45	8	and	and	CCONJ
ajfa-1507	45	9	renewing	renew	VERB
ajfa-1507	45	10	the	the	DET
ajfa-1507	45	11	focus	focus	NOUN
ajfa-1507	45	12	on	on	ADP
ajfa-1507	45	13	liquidity	liquidity	NOUN
ajfa-1507	45	14	management	management	NOUN
ajfa-1507	45	15	is	be	AUX
ajfa-1507	45	16	intended	intend	VERB
ajfa-1507	45	17	to	to	PART
ajfa-1507	45	18	spur	spur	VERB
ajfa-1507	45	19	banks	bank	NOUN
ajfa-1507	45	20	to	to	PART
ajfa-1507	45	21	improve	improve	VERB
ajfa-1507	45	22	their	their	PRON
ajfa-1507	45	23	underlying	underlie	VERB
ajfa-1507	45	24	risk	risk	NOUN
ajfa-1507	45	25	-	-	PUNCT
ajfa-1507	45	26	management	management	NOUN
ajfa-1507	45	27	capabilities	capability	NOUN
ajfa-1507	45	28	.	.	PUNCT
ajfa-1507	46	1	this	this	PRON
ajfa-1507	46	2	will	will	AUX
ajfa-1507	46	3	raise	raise	VERB
ajfa-1507	46	4	the	the	DET
ajfa-1507	46	5	biggest	big	ADJ
ajfa-1507	46	6	challenge	challenge	NOUN
ajfa-1507	46	7	for	for	ADP
ajfa-1507	46	8	banks	bank	NOUN
ajfa-1507	46	9	,	,	PUNCT
ajfa-1507	46	10	without	without	ADP
ajfa-1507	46	11	compromising	compromise	VERB
ajfa-1507	46	12	with	with	ADP
ajfa-1507	46	13	the	the	DET
ajfa-1507	46	14	returns	return	NOUN
ajfa-1507	46	15	they	they	PRON
ajfa-1507	46	16	need	need	VERB
ajfa-1507	46	17	to	to	PART
ajfa-1507	46	18	incorporate	incorporate	VERB
ajfa-1507	46	19	higher	high	ADJ
ajfa-1507	46	20	level	level	NOUN
ajfa-1507	46	21	of	of	ADP
ajfa-1507	46	22	risk	risk	NOUN
ajfa-1507	46	23	management	management	NOUN
ajfa-1507	46	24	tools	tool	NOUN
ajfa-1507	46	25	.	.	PUNCT
ajfa-1507	47	1	with	with	ADP
ajfa-1507	47	2	the	the	DET
ajfa-1507	47	3	onset	onset	NOUN
ajfa-1507	47	4	of	of	ADP
ajfa-1507	47	5	basel	basel	PROPN
ajfa-1507	47	6	iii	iii	PROPN
ajfa-1507	47	7	regulations	regulation	NOUN
ajfa-1507	47	8	it	it	PRON
ajfa-1507	47	9	is	be	AUX
ajfa-1507	47	10	imperative	imperative	ADJ
ajfa-1507	47	11	to	to	PART
ajfa-1507	47	12	know	know	VERB
ajfa-1507	47	13	which	which	DET
ajfa-1507	47	14	banking	banking	NOUN
ajfa-1507	47	15	system	system	NOUN
ajfa-1507	47	16	islamic	islamic	ADJ
ajfa-1507	47	17	or	or	CCONJ
ajfa-1507	47	18	conventional	conventional	ADJ
ajfa-1507	47	19	are	be	AUX
ajfa-1507	47	20	better	well	ADV
ajfa-1507	47	21	equipped	equip	VERB
ajfa-1507	47	22	to	to	PART
ajfa-1507	47	23	withstand	withstand	VERB
ajfa-1507	47	24	any	any	DET
ajfa-1507	47	25	future	future	ADJ
ajfa-1507	47	26	financial	financial	ADJ
ajfa-1507	47	27	turmoil	turmoil	NOUN
ajfa-1507	47	28	.	.	PUNCT
ajfa-1507	48	1	existing	exist	VERB
ajfa-1507	48	2	literature	literature	NOUN
ajfa-1507	48	3	on	on	ADP
ajfa-1507	48	4	regulation	regulation	NOUN
ajfa-1507	48	5	and	and	CCONJ
ajfa-1507	48	6	supervision	supervision	NOUN
ajfa-1507	48	7	linkage	linkage	NOUN
ajfa-1507	48	8	with	with	ADP
ajfa-1507	48	9	banks	bank	NOUN
ajfa-1507	48	10	’	’	PART
ajfa-1507	48	11	risk	risk	NOUN
ajfa-1507	48	12	and	and	CCONJ
ajfa-1507	48	13	efficiency	efficiency	NOUN
ajfa-1507	48	14	is	be	AUX
ajfa-1507	48	15	limited	limit	VERB
ajfa-1507	48	16	and	and	CCONJ
ajfa-1507	48	17	purely	purely	ADV
ajfa-1507	48	18	focusses	focusse	VERB
ajfa-1507	48	19	on	on	ADP
ajfa-1507	48	20	individual	individual	ADJ
ajfa-1507	48	21	countries	country	NOUN
ajfa-1507	48	22	,	,	PUNCT
ajfa-1507	48	23	single	single	ADJ
ajfa-1507	48	24	banking	banking	NOUN
ajfa-1507	48	25	system	system	NOUN
ajfa-1507	48	26	or	or	CCONJ
ajfa-1507	48	27	simple	simple	ADJ
ajfa-1507	48	28	accounting	accounting	NOUN
ajfa-1507	48	29	ratios	ratio	NOUN
ajfa-1507	48	30	.	.	PUNCT
ajfa-1507	49	1	(	(	PUNCT
ajfa-1507	49	2	barth	barth	NOUN
ajfa-1507	49	3	et	et	PROPN
ajfa-1507	49	4	al	al	PROPN
ajfa-1507	49	5	.	.	PROPN
ajfa-1507	49	6	,	,	PUNCT
ajfa-1507	49	7	2003	2003	NUM
ajfa-1507	49	8	a	a	PRON
ajfa-1507	49	9	,	,	PUNCT
ajfa-1507	49	10	b	b	NOUN
ajfa-1507	49	11	;	;	PUNCT
ajfa-1507	49	12	demirguc	demirguc	PROPN
ajfa-1507	49	13	-	-	PUNCT
ajfa-1507	49	14	kunt	kunt	PROPN
ajfa-1507	49	15	,	,	PUNCT
ajfa-1507	49	16	et	et	PROPN
ajfa-1507	49	17	al	al	PROPN
ajfa-1507	49	18	.	.	PROPN
ajfa-1507	49	19	,	,	PUNCT
ajfa-1507	49	20	2004	2004	NUM
ajfa-1507	49	21	barth	barth	NOUN
ajfa-1507	49	22	et	et	PROPN
ajfa-1507	49	23	al	al	PROPN
ajfa-1507	49	24	.	.	PROPN
ajfa-1507	49	25	,	,	PUNCT
ajfa-1507	49	26	2004	2004	NUM
ajfa-1507	49	27	;	;	PUNCT
ajfa-1507	49	28	beck	beck	PROPN
ajfa-1507	49	29	asian	asian	PROPN
ajfa-1507	49	30	journal	journal	PROPN
ajfa-1507	49	31	of	of	ADP
ajfa-1507	49	32	finance	finance	PROPN
ajfa-1507	49	33	&	&	CCONJ
ajfa-1507	49	34	accounting	accounting	PROPN
ajfa-1507	49	35	issn	issn	PROPN
ajfa-1507	49	36	1946	1946	NUM
ajfa-1507	49	37	-	-	PUNCT
ajfa-1507	49	38	052x	052x	NOUN
ajfa-1507	49	39	2012	2012	NUM
ajfa-1507	49	40	,	,	PUNCT
ajfa-1507	49	41	vol	vol	NOUN
ajfa-1507	49	42	.	.	PROPN
ajfa-1507	49	43	4	4	NUM
ajfa-1507	49	44	,	,	PUNCT
ajfa-1507	49	45	no	no	INTJ
ajfa-1507	49	46	.	.	NOUN
ajfa-1507	49	47	1	1	NUM
ajfa-1507	49	48	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	49	49	219	219	NUM
ajfa-1507	49	50	et	et	NOUN
ajfa-1507	49	51	al	al	PROPN
ajfa-1507	49	52	.	.	PROPN
ajfa-1507	49	53	,	,	PUNCT
ajfa-1507	49	54	2006	2006	NUM
ajfa-1507	49	55	;	;	PUNCT
ajfa-1507	49	56	berger	berger	PROPN
ajfa-1507	49	57	et	et	PROPN
ajfa-1507	49	58	al	al	PROPN
ajfa-1507	49	59	.	.	PROPN
ajfa-1507	49	60	,	,	PUNCT
ajfa-1507	49	61	2008	2008	NUM
ajfa-1507	49	62	)	)	PUNCT
ajfa-1507	49	63	.	.	PUNCT
ajfa-1507	50	1	this	this	DET
ajfa-1507	50	2	paper	paper	NOUN
ajfa-1507	50	3	will	will	AUX
ajfa-1507	50	4	be	be	AUX
ajfa-1507	50	5	step	step	VERB
ajfa-1507	50	6	forward	forward	ADV
ajfa-1507	50	7	and	and	CCONJ
ajfa-1507	50	8	contribute	contribute	VERB
ajfa-1507	50	9	two	two	NUM
ajfa-1507	50	10	fold	fold	NOUN
ajfa-1507	50	11	to	to	ADP
ajfa-1507	50	12	the	the	DET
ajfa-1507	50	13	existing	exist	VERB
ajfa-1507	50	14	literature	literature	NOUN
ajfa-1507	50	15	by	by	ADP
ajfa-1507	50	16	first	first	ADV
ajfa-1507	50	17	investigating	investigate	VERB
ajfa-1507	50	18	the	the	DET
ajfa-1507	50	19	impact	impact	NOUN
ajfa-1507	50	20	of	of	ADP
ajfa-1507	50	21	bank	bank	NOUN
ajfa-1507	50	22	regulatory	regulatory	ADJ
ajfa-1507	50	23	and	and	CCONJ
ajfa-1507	50	24	supervisory	supervisory	ADJ
ajfa-1507	50	25	structure	structure	NOUN
ajfa-1507	50	26	on	on	ADP
ajfa-1507	50	27	both	both	CCONJ
ajfa-1507	50	28	conventional	conventional	ADJ
ajfa-1507	50	29	and	and	CCONJ
ajfa-1507	50	30	islamic	islamic	ADJ
ajfa-1507	50	31	banks	bank	NOUN
ajfa-1507	50	32	’	’	PART
ajfa-1507	50	33	efficiency	efficiency	NOUN
ajfa-1507	50	34	as	as	ADV
ajfa-1507	50	35	well	well	ADV
ajfa-1507	50	36	as	as	ADP
ajfa-1507	50	37	on	on	ADP
ajfa-1507	50	38	their	their	PRON
ajfa-1507	50	39	risk	risk	NOUN
ajfa-1507	50	40	.	.	PUNCT
ajfa-1507	51	1	secondly	secondly	ADV
ajfa-1507	51	2	this	this	DET
ajfa-1507	51	3	paper	paper	NOUN
ajfa-1507	51	4	will	will	AUX
ajfa-1507	51	5	also	also	ADV
ajfa-1507	51	6	assess	assess	VERB
ajfa-1507	51	7	the	the	DET
ajfa-1507	51	8	readiness	readiness	NOUN
ajfa-1507	51	9	of	of	ADP
ajfa-1507	51	10	dual	dual	ADJ
ajfa-1507	51	11	banking	banking	NOUN
ajfa-1507	51	12	system	system	NOUN
ajfa-1507	51	13	towards	towards	ADP
ajfa-1507	51	14	the	the	DET
ajfa-1507	51	15	implementation	implementation	NOUN
ajfa-1507	51	16	of	of	ADP
ajfa-1507	51	17	basel	basel	PROPN
ajfa-1507	51	18	iii	iii	PROPN
ajfa-1507	51	19	.	.	PUNCT
ajfa-1507	52	1	the	the	DET
ajfa-1507	52	2	chosen	choose	VERB
ajfa-1507	52	3	period	period	NOUN
ajfa-1507	52	4	of	of	ADP
ajfa-1507	52	5	analysis	analysis	NOUN
ajfa-1507	52	6	is	be	AUX
ajfa-1507	52	7	2006	2006	NUM
ajfa-1507	52	8	-	-	SYM
ajfa-1507	52	9	2010	2010	NUM
ajfa-1507	52	10	for	for	ADP
ajfa-1507	52	11	eleven	eleven	NUM
ajfa-1507	52	12	major	major	ADJ
ajfa-1507	52	13	dual	dual	ADJ
ajfa-1507	52	14	banking	banking	NOUN
ajfa-1507	52	15	systems	system	NOUN
ajfa-1507	52	16	(	(	PUNCT
ajfa-1507	52	17	egypt	egypt	PROPN
ajfa-1507	52	18	,	,	PUNCT
ajfa-1507	52	19	bahrain	bahrain	NOUN
ajfa-1507	52	20	,	,	PUNCT
ajfa-1507	52	21	bangladesh	bangladesh	PROPN
ajfa-1507	52	22	,	,	PUNCT
ajfa-1507	52	23	indonesia	indonesia	PROPN
ajfa-1507	52	24	,	,	PUNCT
ajfa-1507	52	25	kuwait	kuwait	PROPN
ajfa-1507	52	26	,	,	PUNCT
ajfa-1507	52	27	malaysia	malaysia	PROPN
ajfa-1507	52	28	,	,	PUNCT
ajfa-1507	52	29	pakistan	pakistan	PROPN
ajfa-1507	52	30	,	,	PUNCT
ajfa-1507	52	31	qatar	qatar	PROPN
ajfa-1507	52	32	,	,	PUNCT
ajfa-1507	52	33	saudi	saudi	PROPN
ajfa-1507	52	34	arabia	arabia	PROPN
ajfa-1507	52	35	,	,	PUNCT
ajfa-1507	52	36	turkey	turkey	PROPN
ajfa-1507	52	37	,	,	PUNCT
ajfa-1507	52	38	and	and	CCONJ
ajfa-1507	52	39	uae	uae	PROPN
ajfa-1507	52	40	)	)	PUNCT
ajfa-1507	52	41	.	.	PUNCT
ajfa-1507	53	1	overall	overall	ADV
ajfa-1507	53	2	our	our	PRON
ajfa-1507	53	3	results	result	NOUN
ajfa-1507	53	4	show	show	VERB
ajfa-1507	53	5	that	that	SCONJ
ajfa-1507	53	6	that	that	PRON
ajfa-1507	53	7	regulation	regulation	NOUN
ajfa-1507	53	8	and	and	CCONJ
ajfa-1507	53	9	supervision	supervision	NOUN
ajfa-1507	53	10	are	be	AUX
ajfa-1507	53	11	positively	positively	ADV
ajfa-1507	53	12	related	relate	VERB
ajfa-1507	53	13	for	for	ADP
ajfa-1507	53	14	conventional	conventional	ADJ
ajfa-1507	53	15	bank	bank	NOUN
ajfa-1507	53	16	technical	technical	ADJ
ajfa-1507	53	17	inefficiency	inefficiency	NOUN
ajfa-1507	53	18	and	and	CCONJ
ajfa-1507	53	19	negatively	negatively	ADV
ajfa-1507	53	20	related	relate	VERB
ajfa-1507	53	21	for	for	ADP
ajfa-1507	53	22	islamic	islamic	PROPN
ajfa-1507	53	23	bank	bank	PROPN
ajfa-1507	53	24	technical	technical	ADJ
ajfa-1507	53	25	inefficiency	inefficiency	NOUN
ajfa-1507	53	26	.	.	PUNCT
ajfa-1507	54	1	in	in	ADP
ajfa-1507	54	2	case	case	NOUN
ajfa-1507	54	3	of	of	ADP
ajfa-1507	54	4	impact	impact	NOUN
ajfa-1507	54	5	of	of	ADP
ajfa-1507	54	6	regulatory	regulatory	ADJ
ajfa-1507	54	7	and	and	CCONJ
ajfa-1507	54	8	supervisory	supervisory	ADJ
ajfa-1507	54	9	practices	practice	NOUN
ajfa-1507	54	10	on	on	ADP
ajfa-1507	54	11	bank	bank	NOUN
ajfa-1507	54	12	risk	risk	NOUN
ajfa-1507	54	13	taking	take	VERB
ajfa-1507	54	14	we	we	PRON
ajfa-1507	54	15	did	do	AUX
ajfa-1507	54	16	not	not	PART
ajfa-1507	54	17	find	find	VERB
ajfa-1507	54	18	any	any	DET
ajfa-1507	54	19	major	major	ADJ
ajfa-1507	54	20	differences	difference	NOUN
ajfa-1507	54	21	between	between	ADP
ajfa-1507	54	22	the	the	DET
ajfa-1507	54	23	two	two	NUM
ajfa-1507	54	24	types	type	NOUN
ajfa-1507	54	25	of	of	ADP
ajfa-1507	54	26	bank	bank	NOUN
ajfa-1507	54	27	.	.	PUNCT
ajfa-1507	55	1	the	the	DET
ajfa-1507	55	2	rest	rest	NOUN
ajfa-1507	55	3	of	of	ADP
ajfa-1507	55	4	this	this	DET
ajfa-1507	55	5	paper	paper	NOUN
ajfa-1507	55	6	is	be	AUX
ajfa-1507	55	7	organized	organize	VERB
ajfa-1507	55	8	as	as	SCONJ
ajfa-1507	55	9	follows	follow	VERB
ajfa-1507	55	10	:	:	PUNCT
ajfa-1507	55	11	section	section	NOUN
ajfa-1507	55	12	2	2	NUM
ajfa-1507	55	13	includes	include	VERB
ajfa-1507	55	14	a	a	DET
ajfa-1507	55	15	literature	literature	NOUN
ajfa-1507	55	16	review	review	NOUN
ajfa-1507	55	17	while	while	SCONJ
ajfa-1507	55	18	section	section	NOUN
ajfa-1507	55	19	3	3	NUM
ajfa-1507	55	20	presents	present	VERB
ajfa-1507	55	21	the	the	DET
ajfa-1507	55	22	methodology	methodology	NOUN
ajfa-1507	55	23	,	,	PUNCT
ajfa-1507	55	24	variables	variable	NOUN
ajfa-1507	55	25	and	and	CCONJ
ajfa-1507	55	26	data	datum	NOUN
ajfa-1507	55	27	.	.	PUNCT
ajfa-1507	56	1	the	the	DET
ajfa-1507	56	2	empirical	empirical	ADJ
ajfa-1507	56	3	results	result	NOUN
ajfa-1507	56	4	are	be	AUX
ajfa-1507	56	5	explained	explain	VERB
ajfa-1507	56	6	in	in	ADP
ajfa-1507	56	7	sections	section	NOUN
ajfa-1507	56	8	4	4	NUM
ajfa-1507	56	9	and	and	CCONJ
ajfa-1507	56	10	section	section	NOUN
ajfa-1507	56	11	5	5	NUM
ajfa-1507	56	12	concludes	conclude	VERB
ajfa-1507	56	13	the	the	DET
ajfa-1507	56	14	paper	paper	NOUN
ajfa-1507	56	15	.	.	PUNCT
ajfa-1507	57	1	2	2	X
ajfa-1507	57	2	.	.	X
ajfa-1507	57	3	literature	literature	NOUN
ajfa-1507	57	4	review	review	NOUN
ajfa-1507	57	5	if	if	SCONJ
ajfa-1507	57	6	we	we	PRON
ajfa-1507	57	7	focus	focus	VERB
ajfa-1507	57	8	on	on	ADP
ajfa-1507	57	9	regulation	regulation	NOUN
ajfa-1507	57	10	literature	literature	NOUN
ajfa-1507	57	11	the	the	DET
ajfa-1507	57	12	declaration	declaration	NOUN
ajfa-1507	57	13	here	here	ADV
ajfa-1507	57	14	is	be	AUX
ajfa-1507	57	15	that	that	SCONJ
ajfa-1507	57	16	most	most	ADJ
ajfa-1507	57	17	if	if	SCONJ
ajfa-1507	57	18	not	not	PART
ajfa-1507	57	19	all	all	DET
ajfa-1507	57	20	the	the	DET
ajfa-1507	57	21	literature	literature	NOUN
ajfa-1507	57	22	whether	whether	SCONJ
ajfa-1507	57	23	calling	call	VERB
ajfa-1507	57	24	for	for	ADP
ajfa-1507	57	25	more	more	ADJ
ajfa-1507	57	26	or	or	CCONJ
ajfa-1507	57	27	less	less	ADJ
ajfa-1507	57	28	regulation	regulation	NOUN
ajfa-1507	57	29	will	will	AUX
ajfa-1507	57	30	be	be	AUX
ajfa-1507	57	31	applicable	applicable	ADJ
ajfa-1507	57	32	to	to	ADP
ajfa-1507	57	33	the	the	DET
ajfa-1507	57	34	financial	financial	ADJ
ajfa-1507	57	35	services	service	NOUN
ajfa-1507	57	36	industry	industry	NOUN
ajfa-1507	57	37	regardless	regardless	ADV
ajfa-1507	57	38	of	of	ADP
ajfa-1507	57	39	whether	whether	SCONJ
ajfa-1507	57	40	it	it	PRON
ajfa-1507	57	41	is	be	AUX
ajfa-1507	57	42	conventional	conventional	ADJ
ajfa-1507	57	43	or	or	CCONJ
ajfa-1507	57	44	islamic	islamic	ADJ
ajfa-1507	57	45	.	.	PUNCT
ajfa-1507	58	1	it	it	PRON
ajfa-1507	58	2	is	be	AUX
ajfa-1507	58	3	hoped	hope	VERB
ajfa-1507	58	4	that	that	SCONJ
ajfa-1507	58	5	after	after	SCONJ
ajfa-1507	58	6	this	this	DET
ajfa-1507	58	7	paper	paper	NOUN
ajfa-1507	58	8	is	be	AUX
ajfa-1507	58	9	written	write	VERB
ajfa-1507	58	10	there	there	PRON
ajfa-1507	58	11	would	would	AUX
ajfa-1507	58	12	be	be	AUX
ajfa-1507	58	13	better	well	ADJ
ajfa-1507	58	14	research	research	NOUN
ajfa-1507	58	15	into	into	ADP
ajfa-1507	58	16	regulations	regulation	NOUN
ajfa-1507	58	17	that	that	PRON
ajfa-1507	58	18	would	would	AUX
ajfa-1507	58	19	be	be	AUX
ajfa-1507	58	20	specifically	specifically	ADV
ajfa-1507	58	21	for	for	ADP
ajfa-1507	58	22	dual	dual	ADJ
ajfa-1507	58	23	banking	banking	NOUN
ajfa-1507	58	24	,	,	PUNCT
ajfa-1507	58	25	especially	especially	ADV
ajfa-1507	58	26	so	so	ADV
ajfa-1507	58	27	if	if	SCONJ
ajfa-1507	58	28	there	there	PRON
ajfa-1507	58	29	is	be	VERB
ajfa-1507	58	30	relevance	relevance	NOUN
ajfa-1507	58	31	that	that	SCONJ
ajfa-1507	58	32	special	special	ADJ
ajfa-1507	58	33	regulatory	regulatory	ADJ
ajfa-1507	58	34	and	and	CCONJ
ajfa-1507	58	35	supervisory	supervisory	ADJ
ajfa-1507	58	36	framework	framework	NOUN
ajfa-1507	58	37	is	be	AUX
ajfa-1507	58	38	required	require	VERB
ajfa-1507	58	39	.	.	PUNCT
ajfa-1507	59	1	one	one	NUM
ajfa-1507	59	2	of	of	ADP
ajfa-1507	59	3	the	the	DET
ajfa-1507	59	4	biggest	big	ADJ
ajfa-1507	59	5	critique	critique	NOUN
ajfa-1507	59	6	and	and	CCONJ
ajfa-1507	59	7	vocal	vocal	ADJ
ajfa-1507	59	8	in	in	ADP
ajfa-1507	59	9	regard	regard	NOUN
ajfa-1507	59	10	to	to	ADP
ajfa-1507	59	11	the	the	DET
ajfa-1507	59	12	issue	issue	NOUN
ajfa-1507	59	13	of	of	ADP
ajfa-1507	59	14	bank	bank	NOUN
ajfa-1507	59	15	regulations	regulation	NOUN
ajfa-1507	59	16	are	be	AUX
ajfa-1507	59	17	barth	barth	NOUN
ajfa-1507	59	18	,	,	PUNCT
ajfa-1507	59	19	caprio	caprio	PROPN
ajfa-1507	59	20	and	and	CCONJ
ajfa-1507	59	21	levine	levine	PROPN
ajfa-1507	59	22	.	.	PROPN
ajfa-1507	60	1	barth	barth	PROPN
ajfa-1507	60	2	,	,	PUNCT
ajfa-1507	60	3	caprio	caprio	PROPN
ajfa-1507	60	4	and	and	CCONJ
ajfa-1507	60	5	levine	levine	PROPN
ajfa-1507	60	6	,	,	PUNCT
ajfa-1507	60	7	(	(	PUNCT
ajfa-1507	60	8	2008	2008	NUM
ajfa-1507	60	9	)	)	PUNCT
ajfa-1507	60	10	noted	note	VERB
ajfa-1507	60	11	that	that	SCONJ
ajfa-1507	60	12	most	most	ADJ
ajfa-1507	60	13	countries	country	NOUN
ajfa-1507	60	14	with	with	ADP
ajfa-1507	60	15	a	a	DET
ajfa-1507	60	16	functioning	function	VERB
ajfa-1507	60	17	financial	financial	ADJ
ajfa-1507	60	18	system	system	NOUN
ajfa-1507	60	19	had	have	AUX
ajfa-1507	60	20	made	make	VERB
ajfa-1507	60	21	significant	significant	ADJ
ajfa-1507	60	22	changes	change	NOUN
ajfa-1507	60	23	to	to	ADP
ajfa-1507	60	24	their	their	PRON
ajfa-1507	60	25	bank	bank	NOUN
ajfa-1507	60	26	regulatory	regulatory	ADJ
ajfa-1507	60	27	framework	framework	NOUN
ajfa-1507	60	28	,	,	PUNCT
ajfa-1507	60	29	this	this	PRON
ajfa-1507	60	30	is	be	AUX
ajfa-1507	60	31	especially	especially	ADV
ajfa-1507	60	32	so	so	ADV
ajfa-1507	60	33	in	in	ADP
ajfa-1507	60	34	many	many	ADJ
ajfa-1507	60	35	developing	developing	ADJ
ajfa-1507	60	36	and	and	CCONJ
ajfa-1507	60	37	asian	asian	ADJ
ajfa-1507	60	38	countries	country	NOUN
ajfa-1507	60	39	after	after	ADP
ajfa-1507	60	40	the	the	DET
ajfa-1507	60	41	east	east	ADJ
ajfa-1507	60	42	asian	asian	ADJ
ajfa-1507	60	43	financial	financial	ADJ
ajfa-1507	60	44	crisis	crisis	NOUN
ajfa-1507	60	45	of	of	ADP
ajfa-1507	60	46	the	the	DET
ajfa-1507	60	47	late	late	ADJ
ajfa-1507	60	48	1990s	1990	NOUN
ajfa-1507	60	49	.	.	PUNCT
ajfa-1507	61	1	they	they	PRON
ajfa-1507	61	2	do	do	AUX
ajfa-1507	61	3	not	not	PART
ajfa-1507	61	4	appear	appear	VERB
ajfa-1507	61	5	to	to	PART
ajfa-1507	61	6	submit	submit	VERB
ajfa-1507	61	7	that	that	SCONJ
ajfa-1507	61	8	it	it	PRON
ajfa-1507	61	9	might	might	AUX
ajfa-1507	61	10	be	be	AUX
ajfa-1507	61	11	for	for	ADP
ajfa-1507	61	12	the	the	DET
ajfa-1507	61	13	better	well	ADJ
ajfa-1507	61	14	since	since	SCONJ
ajfa-1507	61	15	mostly	mostly	ADV
ajfa-1507	61	16	it	it	PRON
ajfa-1507	61	17	has	have	AUX
ajfa-1507	61	18	been	be	AUX
ajfa-1507	61	19	about	about	ADP
ajfa-1507	61	20	following	follow	VERB
ajfa-1507	61	21	the	the	DET
ajfa-1507	61	22	basel	basel	PROPN
ajfa-1507	61	23	guidelines	guideline	NOUN
ajfa-1507	61	24	,	,	PUNCT
ajfa-1507	61	25	strengthening	strengthen	VERB
ajfa-1507	61	26	capital	capital	NOUN
ajfa-1507	61	27	requirements	requirement	NOUN
ajfa-1507	61	28	and	and	CCONJ
ajfa-1507	61	29	the	the	DET
ajfa-1507	61	30	empowerment	empowerment	NOUN
ajfa-1507	61	31	of	of	ADP
ajfa-1507	61	32	supervisory	supervisory	ADJ
ajfa-1507	61	33	bodies	body	NOUN
ajfa-1507	61	34	.	.	PUNCT
ajfa-1507	62	1	the	the	DET
ajfa-1507	62	2	criticism	criticism	NOUN
ajfa-1507	62	3	by	by	ADP
ajfa-1507	62	4	these	these	DET
ajfa-1507	62	5	authors	author	NOUN
ajfa-1507	62	6	is	be	AUX
ajfa-1507	62	7	there	there	PRON
ajfa-1507	62	8	is	be	VERB
ajfa-1507	62	9	little	little	ADJ
ajfa-1507	62	10	evidence	evidence	NOUN
ajfa-1507	62	11	to	to	PART
ajfa-1507	62	12	suggest	suggest	VERB
ajfa-1507	62	13	the	the	DET
ajfa-1507	62	14	implementation	implementation	NOUN
ajfa-1507	62	15	of	of	ADP
ajfa-1507	62	16	these	these	DET
ajfa-1507	62	17	measures	measure	NOUN
ajfa-1507	62	18	lead	lead	VERB
ajfa-1507	62	19	to	to	ADP
ajfa-1507	62	20	a	a	DET
ajfa-1507	62	21	major	major	ADJ
ajfa-1507	62	22	improvement	improvement	NOUN
ajfa-1507	62	23	of	of	ADP
ajfa-1507	62	24	the	the	DET
ajfa-1507	62	25	banking	banking	NOUN
ajfa-1507	62	26	system	system	NOUN
ajfa-1507	62	27	in	in	ADP
ajfa-1507	62	28	regard	regard	NOUN
ajfa-1507	62	29	to	to	ADP
ajfa-1507	62	30	their	their	PRON
ajfa-1507	62	31	efficiency	efficiency	NOUN
ajfa-1507	62	32	,	,	PUNCT
ajfa-1507	62	33	stability	stability	NOUN
ajfa-1507	62	34	and	and	CCONJ
ajfa-1507	62	35	corruption	corruption	NOUN
ajfa-1507	62	36	.	.	PUNCT
ajfa-1507	63	1	another	another	DET
ajfa-1507	63	2	aspect	aspect	NOUN
ajfa-1507	63	3	criticized	criticize	VERB
ajfa-1507	63	4	were	be	AUX
ajfa-1507	63	5	the	the	DET
ajfa-1507	63	6	implementation	implementation	NOUN
ajfa-1507	63	7	of	of	ADP
ajfa-1507	63	8	private	private	ADJ
ajfa-1507	63	9	monitoring	monitoring	NOUN
ajfa-1507	63	10	though	though	SCONJ
ajfa-1507	63	11	consistent	consistent	ADJ
ajfa-1507	63	12	with	with	ADP
ajfa-1507	63	13	the	the	DET
ajfa-1507	63	14	third	third	ADJ
ajfa-1507	63	15	pillar	pillar	NOUN
ajfa-1507	63	16	of	of	ADP
ajfa-1507	63	17	basel	basel	PROPN
ajfa-1507	63	18	ii	ii	PROPN
ajfa-1507	63	19	,	,	PUNCT
ajfa-1507	63	20	it	it	PRON
ajfa-1507	63	21	does	do	AUX
ajfa-1507	63	22	not	not	PART
ajfa-1507	63	23	appear	appear	VERB
ajfa-1507	63	24	that	that	SCONJ
ajfa-1507	63	25	these	these	PRON
ajfa-1507	63	26	have	have	AUX
ajfa-1507	63	27	brought	bring	VERB
ajfa-1507	63	28	about	about	ADP
ajfa-1507	63	29	as	as	ADV
ajfa-1507	63	30	much	much	ADV
ajfa-1507	63	31	an	an	DET
ajfa-1507	63	32	effect	effect	NOUN
ajfa-1507	63	33	as	as	SCONJ
ajfa-1507	63	34	hoped	hope	VERB
ajfa-1507	63	35	for	for	ADP
ajfa-1507	63	36	by	by	ADP
ajfa-1507	63	37	policy	policy	NOUN
ajfa-1507	63	38	makers	maker	NOUN
ajfa-1507	63	39	.	.	PUNCT
ajfa-1507	64	1	it	it	PRON
ajfa-1507	64	2	was	be	AUX
ajfa-1507	64	3	further	far	ADV
ajfa-1507	64	4	argued	argue	VERB
ajfa-1507	64	5	that	that	SCONJ
ajfa-1507	64	6	where	where	SCONJ
ajfa-1507	64	7	banks	bank	NOUN
ajfa-1507	64	8	introduced	introduce	VERB
ajfa-1507	64	9	forced	force	VERB
ajfa-1507	64	10	to	to	PART
ajfa-1507	64	11	curtail	curtail	VERB
ajfa-1507	64	12	their	their	PRON
ajfa-1507	64	13	non	non	ADJ
ajfa-1507	64	14	-	-	ADJ
ajfa-1507	64	15	lending	lending	ADJ
ajfa-1507	64	16	activities	activity	NOUN
ajfa-1507	64	17	then	then	ADV
ajfa-1507	64	18	this	this	PRON
ajfa-1507	64	19	brought	bring	VERB
ajfa-1507	64	20	forth	forth	ADP
ajfa-1507	64	21	further	further	ADJ
ajfa-1507	64	22	issues	issue	NOUN
ajfa-1507	64	23	in	in	ADP
ajfa-1507	64	24	regards	regard	NOUN
ajfa-1507	64	25	to	to	ADP
ajfa-1507	64	26	their	their	PRON
ajfa-1507	64	27	profitability	profitability	NOUN
ajfa-1507	64	28	and	and	CCONJ
ajfa-1507	64	29	to	to	ADP
ajfa-1507	64	30	an	an	DET
ajfa-1507	64	31	extent	extent	NOUN
ajfa-1507	64	32	their	their	PRON
ajfa-1507	64	33	efficacy	efficacy	NOUN
ajfa-1507	64	34	.	.	PUNCT
ajfa-1507	65	1	often	often	ADV
ajfa-1507	65	2	many	many	ADJ
ajfa-1507	65	3	regulations	regulation	NOUN
ajfa-1507	65	4	tend	tend	VERB
ajfa-1507	65	5	to	to	PART
ajfa-1507	65	6	be	be	AUX
ajfa-1507	65	7	knee	knee	NOUN
ajfa-1507	65	8	-	-	PUNCT
ajfa-1507	65	9	jerk	jerk	NOUN
ajfa-1507	65	10	reactionary	reactionary	ADJ
ajfa-1507	65	11	measures	measure	NOUN
ajfa-1507	65	12	at	at	ADP
ajfa-1507	65	13	time	time	NOUN
ajfa-1507	65	14	of	of	ADP
ajfa-1507	65	15	crisis	crisis	NOUN
ajfa-1507	65	16	it	it	PRON
ajfa-1507	65	17	is	be	AUX
ajfa-1507	65	18	claimed	claim	VERB
ajfa-1507	65	19	,	,	PUNCT
ajfa-1507	65	20	this	this	PRON
ajfa-1507	65	21	is	be	AUX
ajfa-1507	65	22	n’t	not	PART
ajfa-1507	65	23	farfetched	farfetche	VERB
ajfa-1507	65	24	from	from	ADP
ajfa-1507	65	25	the	the	DET
ajfa-1507	65	26	truth	truth	NOUN
ajfa-1507	65	27	as	as	SCONJ
ajfa-1507	65	28	it	it	PRON
ajfa-1507	65	29	is	be	AUX
ajfa-1507	65	30	indeed	indeed	ADV
ajfa-1507	65	31	being	be	AUX
ajfa-1507	65	32	seen	see	VERB
ajfa-1507	65	33	to	to	ADP
ajfa-1507	65	34	a	a	DET
ajfa-1507	65	35	large	large	ADJ
ajfa-1507	65	36	extent	extent	NOUN
ajfa-1507	65	37	till	till	SCONJ
ajfa-1507	65	38	today	today	NOUN
ajfa-1507	65	39	.	.	PUNCT
ajfa-1507	66	1	they	they	PRON
ajfa-1507	66	2	pointed	point	VERB
ajfa-1507	66	3	out	out	ADP
ajfa-1507	66	4	that	that	SCONJ
ajfa-1507	66	5	in	in	ADP
ajfa-1507	66	6	malaysia	malaysia	PROPN
ajfa-1507	66	7	’s	’s	PART
ajfa-1507	66	8	case	case	NOUN
ajfa-1507	66	9	upon	upon	SCONJ
ajfa-1507	66	10	the	the	DET
ajfa-1507	66	11	east	east	ADJ
ajfa-1507	66	12	asian	asian	ADJ
ajfa-1507	66	13	crisis	crisis	NOUN
ajfa-1507	66	14	most	most	ADJ
ajfa-1507	66	15	banks	bank	NOUN
ajfa-1507	66	16	had	have	VERB
ajfa-1507	66	17	to	to	PART
ajfa-1507	66	18	cease	cease	VERB
ajfa-1507	66	19	with	with	ADP
ajfa-1507	66	20	the	the	DET
ajfa-1507	66	21	vast	vast	ADJ
ajfa-1507	66	22	majority	majority	NOUN
ajfa-1507	66	23	of	of	ADP
ajfa-1507	66	24	their	their	PRON
ajfa-1507	66	25	non	non	ADJ
ajfa-1507	66	26	-	-	ADJ
ajfa-1507	66	27	lending	lending	ADJ
ajfa-1507	66	28	activities	activity	NOUN
ajfa-1507	66	29	;	;	PUNCT
ajfa-1507	66	30	however	however	ADV
ajfa-1507	66	31	where	where	SCONJ
ajfa-1507	66	32	it	it	PRON
ajfa-1507	66	33	appears	appear	VERB
ajfa-1507	66	34	to	to	PART
ajfa-1507	66	35	come	come	VERB
ajfa-1507	66	36	off	off	ADP
ajfa-1507	66	37	as	as	ADP
ajfa-1507	66	38	a	a	DET
ajfa-1507	66	39	bad	bad	ADJ
ajfa-1507	66	40	policy	policy	NOUN
ajfa-1507	66	41	,	,	PUNCT
ajfa-1507	66	42	the	the	DET
ajfa-1507	66	43	vast	vast	ADJ
ajfa-1507	66	44	majority	majority	NOUN
ajfa-1507	66	45	of	of	ADP
ajfa-1507	66	46	malaysian	malaysian	ADJ
ajfa-1507	66	47	banks	bank	NOUN
ajfa-1507	66	48	emerged	emerge	VERB
ajfa-1507	66	49	from	from	ADP
ajfa-1507	66	50	the	the	DET
ajfa-1507	66	51	more	more	ADV
ajfa-1507	66	52	recent	recent	ADJ
ajfa-1507	66	53	crisis	crisis	NOUN
ajfa-1507	66	54	in	in	ADP
ajfa-1507	66	55	a	a	DET
ajfa-1507	66	56	far	far	ADV
ajfa-1507	66	57	stronger	strong	ADJ
ajfa-1507	66	58	position	position	NOUN
ajfa-1507	66	59	than	than	ADP
ajfa-1507	66	60	many	many	ADJ
ajfa-1507	66	61	blue	blue	ADJ
ajfa-1507	66	62	-	-	PUNCT
ajfa-1507	66	63	chip	chip	NOUN
ajfa-1507	66	64	banks	bank	NOUN
ajfa-1507	66	65	in	in	ADP
ajfa-1507	66	66	usa	usa	PROPN
ajfa-1507	66	67	.	.	PROPN
ajfa-1507	66	68	asian	asian	PROPN
ajfa-1507	66	69	journal	journal	PROPN
ajfa-1507	66	70	of	of	ADP
ajfa-1507	66	71	finance	finance	PROPN
ajfa-1507	66	72	&	&	CCONJ
ajfa-1507	66	73	accounting	accounting	PROPN
ajfa-1507	66	74	issn	issn	PROPN
ajfa-1507	66	75	1946	1946	NUM
ajfa-1507	66	76	-	-	PUNCT
ajfa-1507	66	77	052x	052x	NOUN
ajfa-1507	66	78	2012	2012	NUM
ajfa-1507	66	79	,	,	PUNCT
ajfa-1507	66	80	vol	vol	NOUN
ajfa-1507	66	81	.	.	PROPN
ajfa-1507	66	82	4	4	NUM
ajfa-1507	66	83	,	,	PUNCT
ajfa-1507	66	84	no	no	INTJ
ajfa-1507	66	85	.	.	NOUN
ajfa-1507	66	86	1	1	NUM
ajfa-1507	66	87	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	66	88	220	220	NUM
ajfa-1507	66	89	in	in	ADP
ajfa-1507	66	90	the	the	DET
ajfa-1507	66	91	subject	subject	NOUN
ajfa-1507	66	92	of	of	ADP
ajfa-1507	66	93	bank	bank	NOUN
ajfa-1507	66	94	regulations	regulation	NOUN
ajfa-1507	66	95	,	,	PUNCT
ajfa-1507	66	96	there	there	PRON
ajfa-1507	66	97	is	be	VERB
ajfa-1507	66	98	also	also	ADV
ajfa-1507	66	99	evidence	evidence	NOUN
ajfa-1507	66	100	in	in	ADP
ajfa-1507	66	101	regard	regard	NOUN
ajfa-1507	66	102	to	to	ADP
ajfa-1507	66	103	the	the	DET
ajfa-1507	66	104	microeconomics	microeconomics	NOUN
ajfa-1507	66	105	aspect	aspect	NOUN
ajfa-1507	66	106	to	to	ADP
ajfa-1507	66	107	it	it	PRON
ajfa-1507	66	108	.	.	PUNCT
ajfa-1507	67	1	according	accord	VERB
ajfa-1507	67	2	to	to	ADP
ajfa-1507	67	3	barth	barth	PROPN
ajfa-1507	67	4	,	,	PUNCT
ajfa-1507	67	5	caprio	caprio	PROPN
ajfa-1507	67	6	&	&	CCONJ
ajfa-1507	67	7	levine	levine	PROPN
ajfa-1507	67	8	(	(	PUNCT
ajfa-1507	67	9	2007	2007	NUM
ajfa-1507	67	10	)	)	PUNCT
ajfa-1507	67	11	data	datum	NOUN
ajfa-1507	67	12	shows	show	VERB
ajfa-1507	67	13	little	little	ADJ
ajfa-1507	67	14	evidence	evidence	NOUN
ajfa-1507	67	15	that	that	SCONJ
ajfa-1507	67	16	a	a	DET
ajfa-1507	67	17	strengthened	strengthen	VERB
ajfa-1507	67	18	ability	ability	NOUN
ajfa-1507	67	19	of	of	ADP
ajfa-1507	67	20	supervisory	supervisory	ADJ
ajfa-1507	67	21	framework	framework	NOUN
ajfa-1507	67	22	in	in	ADP
ajfa-1507	67	23	regard	regard	NOUN
ajfa-1507	67	24	to	to	ADP
ajfa-1507	67	25	monitoring	monitoring	NOUN
ajfa-1507	67	26	and	and	CCONJ
ajfa-1507	67	27	discipline	discipline	NOUN
ajfa-1507	67	28	of	of	ADP
ajfa-1507	67	29	banks	bank	NOUN
ajfa-1507	67	30	have	have	AUX
ajfa-1507	67	31	an	an	DET
ajfa-1507	67	32	impact	impact	NOUN
ajfa-1507	67	33	in	in	ADP
ajfa-1507	67	34	improving	improve	VERB
ajfa-1507	67	35	bank	bank	NOUN
ajfa-1507	67	36	efficiency	efficiency	NOUN
ajfa-1507	67	37	or	or	CCONJ
ajfa-1507	67	38	even	even	ADV
ajfa-1507	67	39	banking	banking	NOUN
ajfa-1507	67	40	and	and	CCONJ
ajfa-1507	67	41	the	the	DET
ajfa-1507	67	42	commercial	commercial	ADJ
ajfa-1507	67	43	sector	sector	NOUN
ajfa-1507	67	44	relationships	relationship	NOUN
ajfa-1507	67	45	.	.	PUNCT
ajfa-1507	68	1	however	however	ADV
ajfa-1507	68	2	there	there	PRON
ajfa-1507	68	3	is	be	VERB
ajfa-1507	68	4	a	a	DET
ajfa-1507	68	5	positive	positive	ADJ
ajfa-1507	68	6	effect	effect	NOUN
ajfa-1507	68	7	with	with	ADP
ajfa-1507	68	8	regard	regard	NOUN
ajfa-1507	68	9	to	to	ADP
ajfa-1507	68	10	increased	increase	VERB
ajfa-1507	68	11	supervision	supervision	NOUN
ajfa-1507	68	12	and	and	CCONJ
ajfa-1507	68	13	corruption	corruption	NOUN
ajfa-1507	68	14	in	in	ADP
ajfa-1507	68	15	the	the	DET
ajfa-1507	68	16	banking	banking	NOUN
ajfa-1507	68	17	sector	sector	NOUN
ajfa-1507	68	18	.	.	PUNCT
ajfa-1507	69	1	again	again	ADV
ajfa-1507	69	2	there	there	PRON
ajfa-1507	69	3	was	be	VERB
ajfa-1507	69	4	a	a	DET
ajfa-1507	69	5	call	call	NOUN
ajfa-1507	69	6	that	that	SCONJ
ajfa-1507	69	7	a	a	DET
ajfa-1507	69	8	private	private	ADJ
ajfa-1507	69	9	monitoring	monitoring	NOUN
ajfa-1507	69	10	of	of	ADP
ajfa-1507	69	11	banks	bank	NOUN
ajfa-1507	69	12	had	have	AUX
ajfa-1507	69	13	a	a	DET
ajfa-1507	69	14	better	well	ADJ
ajfa-1507	69	15	effect	effect	NOUN
ajfa-1507	69	16	in	in	ADP
ajfa-1507	69	17	regard	regard	NOUN
ajfa-1507	69	18	to	to	ADP
ajfa-1507	69	19	their	their	PRON
ajfa-1507	69	20	efficiency	efficiency	NOUN
ajfa-1507	69	21	.	.	PUNCT
ajfa-1507	70	1	where	where	SCONJ
ajfa-1507	70	2	corruption	corruption	NOUN
ajfa-1507	70	3	is	be	AUX
ajfa-1507	70	4	a	a	DET
ajfa-1507	70	5	major	major	ADJ
ajfa-1507	70	6	issue	issue	NOUN
ajfa-1507	70	7	in	in	ADP
ajfa-1507	70	8	the	the	DET
ajfa-1507	70	9	banking	banking	NOUN
ajfa-1507	70	10	industry	industry	NOUN
ajfa-1507	70	11	,	,	PUNCT
ajfa-1507	70	12	the	the	DET
ajfa-1507	70	13	academicians	academician	NOUN
ajfa-1507	70	14	were	be	AUX
ajfa-1507	70	15	of	of	ADP
ajfa-1507	70	16	opinion	opinion	NOUN
ajfa-1507	70	17	that	that	SCONJ
ajfa-1507	70	18	proper	proper	ADJ
ajfa-1507	70	19	disclosure	disclosure	NOUN
ajfa-1507	70	20	could	could	AUX
ajfa-1507	70	21	bring	bring	VERB
ajfa-1507	70	22	forth	forth	ADV
ajfa-1507	70	23	better	well	ADJ
ajfa-1507	70	24	banking	banking	NOUN
ajfa-1507	70	25	efficiency	efficiency	NOUN
ajfa-1507	70	26	on	on	ADP
ajfa-1507	70	27	condition	condition	NOUN
ajfa-1507	70	28	that	that	SCONJ
ajfa-1507	70	29	the	the	DET
ajfa-1507	70	30	legal	legal	ADJ
ajfa-1507	70	31	system	system	NOUN
ajfa-1507	70	32	was	be	AUX
ajfa-1507	70	33	a	a	DET
ajfa-1507	70	34	fully	fully	ADV
ajfa-1507	70	35	developed	develop	VERB
ajfa-1507	70	36	and	and	CCONJ
ajfa-1507	70	37	strong	strong	ADJ
ajfa-1507	70	38	one	one	NUM
ajfa-1507	70	39	.	.	PUNCT
ajfa-1507	71	1	in	in	ADP
ajfa-1507	71	2	their	their	PRON
ajfa-1507	71	3	earlier	early	ADJ
ajfa-1507	71	4	paper	paper	NOUN
ajfa-1507	71	5	,	,	PUNCT
ajfa-1507	71	6	(	(	PUNCT
ajfa-1507	71	7	barth	barth	PROPN
ajfa-1507	71	8	,	,	PUNCT
ajfa-1507	71	9	caprio	caprio	PROPN
ajfa-1507	71	10	,	,	PUNCT
ajfa-1507	71	11	levine	levine	PROPN
ajfa-1507	71	12	,	,	PUNCT
ajfa-1507	71	13	2004	2004	NUM
ajfa-1507	71	14	)	)	PUNCT
ajfa-1507	71	15	using	use	VERB
ajfa-1507	71	16	data	datum	NOUN
ajfa-1507	71	17	from	from	ADP
ajfa-1507	71	18	107	107	NUM
ajfa-1507	71	19	countries	country	NOUN
ajfa-1507	71	20	in	in	ADP
ajfa-1507	71	21	regard	regard	NOUN
ajfa-1507	71	22	to	to	ADP
ajfa-1507	71	23	their	their	PRON
ajfa-1507	71	24	supervisory	supervisory	ADJ
ajfa-1507	71	25	and	and	CCONJ
ajfa-1507	71	26	regulatory	regulatory	ADJ
ajfa-1507	71	27	scope	scope	NOUN
ajfa-1507	71	28	they	they	PRON
ajfa-1507	71	29	examined	examine	VERB
ajfa-1507	71	30	the	the	DET
ajfa-1507	71	31	relationship	relationship	NOUN
ajfa-1507	71	32	between	between	ADP
ajfa-1507	71	33	this	this	PRON
ajfa-1507	71	34	and	and	CCONJ
ajfa-1507	71	35	how	how	SCONJ
ajfa-1507	71	36	it	it	PRON
ajfa-1507	71	37	affects	affect	VERB
ajfa-1507	71	38	development	development	NOUN
ajfa-1507	71	39	in	in	ADP
ajfa-1507	71	40	the	the	DET
ajfa-1507	71	41	sector	sector	NOUN
ajfa-1507	71	42	,	,	PUNCT
ajfa-1507	71	43	fragility	fragility	NOUN
ajfa-1507	71	44	and	and	CCONJ
ajfa-1507	71	45	efficiency	efficiency	NOUN
ajfa-1507	71	46	.	.	PUNCT
ajfa-1507	72	1	it	it	PRON
ajfa-1507	72	2	thoroughly	thoroughly	ADV
ajfa-1507	72	3	examines	examine	VERB
ajfa-1507	72	4	issues	issue	NOUN
ajfa-1507	72	5	in	in	ADP
ajfa-1507	72	6	regard	regard	NOUN
ajfa-1507	72	7	to	to	ADP
ajfa-1507	72	8	restrictions	restriction	NOUN
ajfa-1507	72	9	on	on	ADP
ajfa-1507	72	10	banking	banking	NOUN
ajfa-1507	72	11	activities	activity	NOUN
ajfa-1507	72	12	,	,	PUNCT
ajfa-1507	72	13	barriers	barrier	NOUN
ajfa-1507	72	14	to	to	ADP
ajfa-1507	72	15	entry	entry	NOUN
ajfa-1507	72	16	especially	especially	ADV
ajfa-1507	72	17	in	in	ADP
ajfa-1507	72	18	regard	regard	NOUN
ajfa-1507	72	19	to	to	ADP
ajfa-1507	72	20	foreign	foreign	ADJ
ajfa-1507	72	21	banks	bank	NOUN
ajfa-1507	72	22	,	,	PUNCT
ajfa-1507	72	23	capital	capital	NOUN
ajfa-1507	72	24	requirements	requirement	NOUN
ajfa-1507	72	25	,	,	PUNCT
ajfa-1507	72	26	deposit	deposit	NOUN
ajfa-1507	72	27	insurance	insurance	NOUN
ajfa-1507	72	28	,	,	PUNCT
ajfa-1507	72	29	powers	power	NOUN
ajfa-1507	72	30	of	of	ADP
ajfa-1507	72	31	the	the	DET
ajfa-1507	72	32	supervisory	supervisory	ADJ
ajfa-1507	72	33	body	body	NOUN
ajfa-1507	72	34	together	together	ADV
ajfa-1507	72	35	with	with	ADP
ajfa-1507	72	36	its	its	PRON
ajfa-1507	72	37	resources	resource	NOUN
ajfa-1507	72	38	and	and	CCONJ
ajfa-1507	72	39	independence	independence	NOUN
ajfa-1507	72	40	,	,	PUNCT
ajfa-1507	72	41	stringency	stringency	NOUN
ajfa-1507	72	42	of	of	ADP
ajfa-1507	72	43	loan	loan	NOUN
ajfa-1507	72	44	classification	classification	NOUN
ajfa-1507	72	45	including	include	VERB
ajfa-1507	72	46	guidelines	guideline	NOUN
ajfa-1507	72	47	to	to	ADP
ajfa-1507	72	48	this	this	DET
ajfa-1507	72	49	regard	regard	NOUN
ajfa-1507	72	50	,	,	PUNCT
ajfa-1507	72	51	disclosures	disclosure	NOUN
ajfa-1507	72	52	and	and	CCONJ
ajfa-1507	72	53	finally	finally	ADV
ajfa-1507	72	54	to	to	ADP
ajfa-1507	72	55	the	the	DET
ajfa-1507	72	56	extent	extent	NOUN
ajfa-1507	72	57	in	in	ADP
ajfa-1507	72	58	which	which	PRON
ajfa-1507	72	59	government	government	NOUN
ajfa-1507	72	60	ownership	ownership	NOUN
ajfa-1507	72	61	influences	influence	VERB
ajfa-1507	72	62	the	the	DET
ajfa-1507	72	63	banking	banking	NOUN
ajfa-1507	72	64	sector	sector	NOUN
ajfa-1507	72	65	.	.	PUNCT
ajfa-1507	73	1	when	when	SCONJ
ajfa-1507	73	2	it	it	PRON
ajfa-1507	73	3	came	come	VERB
ajfa-1507	73	4	to	to	ADP
ajfa-1507	73	5	the	the	DET
ajfa-1507	73	6	issue	issue	NOUN
ajfa-1507	73	7	of	of	ADP
ajfa-1507	73	8	state	state	NOUN
ajfa-1507	73	9	ownership	ownership	NOUN
ajfa-1507	73	10	of	of	ADP
ajfa-1507	73	11	banks	bank	NOUN
ajfa-1507	73	12	,	,	PUNCT
ajfa-1507	73	13	there	there	PRON
ajfa-1507	73	14	has	have	AUX
ajfa-1507	73	15	always	always	ADV
ajfa-1507	73	16	been	be	AUX
ajfa-1507	73	17	negativity	negativity	ADJ
ajfa-1507	73	18	towards	towards	ADP
ajfa-1507	73	19	this	this	DET
ajfa-1507	73	20	concept	concept	NOUN
ajfa-1507	73	21	especially	especially	ADV
ajfa-1507	73	22	in	in	ADP
ajfa-1507	73	23	many	many	ADJ
ajfa-1507	73	24	developed	develop	VERB
ajfa-1507	73	25	countries	country	NOUN
ajfa-1507	73	26	.	.	PUNCT
ajfa-1507	74	1	it	it	PRON
ajfa-1507	74	2	was	be	AUX
ajfa-1507	74	3	pointed	point	VERB
ajfa-1507	74	4	out	out	ADP
ajfa-1507	74	5	by	by	ADP
ajfa-1507	74	6	their	their	PRON
ajfa-1507	74	7	findings	finding	NOUN
ajfa-1507	74	8	that	that	SCONJ
ajfa-1507	74	9	there	there	PRON
ajfa-1507	74	10	was	be	VERB
ajfa-1507	74	11	again	again	ADV
ajfa-1507	74	12	no	no	DET
ajfa-1507	74	13	evidence	evidence	NOUN
ajfa-1507	74	14	to	to	PART
ajfa-1507	74	15	suggest	suggest	VERB
ajfa-1507	74	16	that	that	SCONJ
ajfa-1507	74	17	ownership	ownership	NOUN
ajfa-1507	74	18	by	by	ADP
ajfa-1507	74	19	state	state	NOUN
ajfa-1507	74	20	had	have	VERB
ajfa-1507	74	21	any	any	DET
ajfa-1507	74	22	positive	positive	ADJ
ajfa-1507	74	23	effects	effect	NOUN
ajfa-1507	74	24	on	on	ADP
ajfa-1507	74	25	efficiency	efficiency	NOUN
ajfa-1507	74	26	and	and	CCONJ
ajfa-1507	74	27	on	on	ADP
ajfa-1507	74	28	the	the	DET
ajfa-1507	74	29	contrary	contrary	NOUN
ajfa-1507	74	30	it	it	PRON
ajfa-1507	74	31	also	also	ADV
ajfa-1507	74	32	showed	show	VERB
ajfa-1507	74	33	more	more	ADJ
ajfa-1507	74	34	corruption	corruption	NOUN
ajfa-1507	74	35	and	and	CCONJ
ajfa-1507	74	36	poor	poor	ADJ
ajfa-1507	74	37	development	development	NOUN
ajfa-1507	74	38	in	in	ADP
ajfa-1507	74	39	the	the	DET
ajfa-1507	74	40	financial	financial	ADJ
ajfa-1507	74	41	services	service	NOUN
ajfa-1507	74	42	industry	industry	NOUN
ajfa-1507	74	43	.	.	PUNCT
ajfa-1507	75	1	they	they	PRON
ajfa-1507	75	2	submitted	submit	VERB
ajfa-1507	75	3	that	that	SCONJ
ajfa-1507	75	4	a	a	DET
ajfa-1507	75	5	better	well	ADJ
ajfa-1507	75	6	way	way	NOUN
ajfa-1507	75	7	forward	forward	ADV
ajfa-1507	75	8	for	for	ADP
ajfa-1507	75	9	the	the	DET
ajfa-1507	75	10	development	development	NOUN
ajfa-1507	75	11	of	of	ADP
ajfa-1507	75	12	a	a	DET
ajfa-1507	75	13	proper	proper	ADJ
ajfa-1507	75	14	banking	banking	NOUN
ajfa-1507	75	15	and	and	CCONJ
ajfa-1507	75	16	financial	financial	ADJ
ajfa-1507	75	17	industry	industry	NOUN
ajfa-1507	75	18	was	be	AUX
ajfa-1507	75	19	to	to	PART
ajfa-1507	75	20	have	have	AUX
ajfa-1507	75	21	forced	force	VERB
ajfa-1507	75	22	disclosures	disclosure	NOUN
ajfa-1507	75	23	of	of	ADP
ajfa-1507	75	24	accurate	accurate	ADJ
ajfa-1507	75	25	information	information	NOUN
ajfa-1507	75	26	,	,	PUNCT
ajfa-1507	75	27	privatization	privatization	NOUN
ajfa-1507	75	28	of	of	ADP
ajfa-1507	75	29	banks	bank	NOUN
ajfa-1507	75	30	and	and	CCONJ
ajfa-1507	75	31	for	for	SCONJ
ajfa-1507	75	32	there	there	PRON
ajfa-1507	75	33	to	to	PART
ajfa-1507	75	34	be	be	AUX
ajfa-1507	75	35	incentives	incentive	NOUN
ajfa-1507	75	36	for	for	ADP
ajfa-1507	75	37	corporate	corporate	ADJ
ajfa-1507	75	38	control	control	NOUN
ajfa-1507	75	39	of	of	ADP
ajfa-1507	75	40	the	the	DET
ajfa-1507	75	41	banks	bank	NOUN
ajfa-1507	75	42	.	.	PUNCT
ajfa-1507	76	1	it	it	PRON
ajfa-1507	76	2	should	should	AUX
ajfa-1507	76	3	however	however	ADV
ajfa-1507	76	4	be	be	AUX
ajfa-1507	76	5	noted	note	VERB
ajfa-1507	76	6	that	that	SCONJ
ajfa-1507	76	7	this	this	DET
ajfa-1507	76	8	paper	paper	NOUN
ajfa-1507	76	9	was	be	AUX
ajfa-1507	76	10	written	write	VERB
ajfa-1507	76	11	prior	prior	ADV
ajfa-1507	76	12	to	to	ADP
ajfa-1507	76	13	the	the	DET
ajfa-1507	76	14	financial	financial	ADJ
ajfa-1507	76	15	crisis	crisis	NOUN
ajfa-1507	76	16	and	and	CCONJ
ajfa-1507	76	17	it	it	PRON
ajfa-1507	76	18	is	be	AUX
ajfa-1507	76	19	quite	quite	ADV
ajfa-1507	76	20	unlikely	unlikely	ADJ
ajfa-1507	76	21	that	that	SCONJ
ajfa-1507	76	22	governments	government	NOUN
ajfa-1507	76	23	would	would	AUX
ajfa-1507	76	24	be	be	AUX
ajfa-1507	76	25	willing	willing	ADJ
ajfa-1507	76	26	to	to	PART
ajfa-1507	76	27	have	have	VERB
ajfa-1507	76	28	a	a	DET
ajfa-1507	76	29	completely	completely	ADV
ajfa-1507	76	30	unregulated	unregulated	ADJ
ajfa-1507	76	31	financial	financial	ADJ
ajfa-1507	76	32	services	service	NOUN
ajfa-1507	76	33	industry	industry	NOUN
ajfa-1507	76	34	as	as	SCONJ
ajfa-1507	76	35	seen	see	VERB
ajfa-1507	76	36	in	in	ADP
ajfa-1507	76	37	the	the	DET
ajfa-1507	76	38	previous	previous	ADJ
ajfa-1507	76	39	decade	decade	NOUN
ajfa-1507	76	40	.	.	PUNCT
ajfa-1507	77	1	often	often	ADV
ajfa-1507	77	2	,	,	PUNCT
ajfa-1507	77	3	when	when	SCONJ
ajfa-1507	77	4	dealing	deal	VERB
ajfa-1507	77	5	with	with	ADP
ajfa-1507	77	6	the	the	DET
ajfa-1507	77	7	issue	issue	NOUN
ajfa-1507	77	8	of	of	ADP
ajfa-1507	77	9	islamic	islamic	ADJ
ajfa-1507	77	10	banking	banking	PROPN
ajfa-1507	77	11	,	,	PUNCT
ajfa-1507	77	12	a	a	DET
ajfa-1507	77	13	very	very	ADV
ajfa-1507	77	14	red	red	ADJ
ajfa-1507	77	15	flag	flag	NOUN
ajfa-1507	77	16	is	be	AUX
ajfa-1507	77	17	often	often	ADV
ajfa-1507	77	18	raised	raise	VERB
ajfa-1507	77	19	that	that	SCONJ
ajfa-1507	77	20	many	many	ADJ
ajfa-1507	77	21	of	of	ADP
ajfa-1507	77	22	these	these	DET
ajfa-1507	77	23	products	product	NOUN
ajfa-1507	77	24	come	come	VERB
ajfa-1507	77	25	from	from	ADP
ajfa-1507	77	26	countries	country	NOUN
ajfa-1507	77	27	where	where	SCONJ
ajfa-1507	77	28	there	there	PRON
ajfa-1507	77	29	are	be	VERB
ajfa-1507	77	30	greater	great	ADJ
ajfa-1507	77	31	rates	rate	NOUN
ajfa-1507	77	32	of	of	ADP
ajfa-1507	77	33	corruption	corruption	NOUN
ajfa-1507	77	34	or	or	CCONJ
ajfa-1507	77	35	in	in	ADP
ajfa-1507	77	36	some	some	DET
ajfa-1507	77	37	cases	case	NOUN
ajfa-1507	77	38	a	a	DET
ajfa-1507	77	39	weak	weak	ADJ
ajfa-1507	77	40	legal	legal	ADJ
ajfa-1507	77	41	system	system	NOUN
ajfa-1507	77	42	,	,	PUNCT
ajfa-1507	77	43	beck	beck	PROPN
ajfa-1507	77	44	et	et	PROPN
ajfa-1507	77	45	al	al	PROPN
ajfa-1507	77	46	.	.	PROPN
ajfa-1507	78	1	(	(	PUNCT
ajfa-1507	78	2	2006	2006	NUM
ajfa-1507	78	3	)	)	PUNCT
ajfa-1507	78	4	examines	examine	VERB
ajfa-1507	78	5	the	the	DET
ajfa-1507	78	6	relationship	relationship	NOUN
ajfa-1507	78	7	on	on	ADP
ajfa-1507	78	8	the	the	DET
ajfa-1507	78	9	need	need	NOUN
ajfa-1507	78	10	of	of	ADP
ajfa-1507	78	11	bank	bank	NOUN
ajfa-1507	78	12	supervision	supervision	NOUN
ajfa-1507	78	13	with	with	ADP
ajfa-1507	78	14	regard	regard	NOUN
ajfa-1507	78	15	to	to	ADP
ajfa-1507	78	16	corruption	corruption	NOUN
ajfa-1507	78	17	and	and	CCONJ
ajfa-1507	78	18	lending	lending	NOUN
ajfa-1507	78	19	.	.	PUNCT
ajfa-1507	79	1	according	accord	VERB
ajfa-1507	79	2	to	to	ADP
ajfa-1507	79	3	their	their	PRON
ajfa-1507	79	4	paper	paper	NOUN
ajfa-1507	79	5	,	,	PUNCT
ajfa-1507	79	6	the	the	DET
ajfa-1507	79	7	main	main	ADJ
ajfa-1507	79	8	research	research	NOUN
ajfa-1507	79	9	question	question	NOUN
ajfa-1507	79	10	was	be	AUX
ajfa-1507	79	11	“	"	PUNCT
ajfa-1507	79	12	which	which	DET
ajfa-1507	79	13	commercial	commercial	ADJ
ajfa-1507	79	14	bank	bank	NOUN
ajfa-1507	79	15	supervisory	supervisory	ADJ
ajfa-1507	79	16	policies	policy	NOUN
ajfa-1507	79	17	ease	ease	VERB
ajfa-1507	79	18	or	or	CCONJ
ajfa-1507	79	19	intensify	intensify	VERB
ajfa-1507	79	20	the	the	DET
ajfa-1507	79	21	degree	degree	NOUN
ajfa-1507	79	22	to	to	PART
ajfa-1507	79	23	which	which	PRON
ajfa-1507	79	24	bank	bank	NOUN
ajfa-1507	79	25	corruption	corruption	NOUN
ajfa-1507	79	26	is	be	AUX
ajfa-1507	79	27	an	an	DET
ajfa-1507	79	28	obstacle	obstacle	NOUN
ajfa-1507	79	29	to	to	ADP
ajfa-1507	79	30	firms	firm	NOUN
ajfa-1507	79	31	raising	raise	VERB
ajfa-1507	79	32	external	external	ADJ
ajfa-1507	79	33	finance	finance	NOUN
ajfa-1507	79	34	?	?	PUNCT
ajfa-1507	79	35	”	"	PUNCT
ajfa-1507	80	1	their	their	PRON
ajfa-1507	80	2	findings	finding	NOUN
ajfa-1507	80	3	were	be	AUX
ajfa-1507	80	4	again	again	ADV
ajfa-1507	80	5	fairly	fairly	ADV
ajfa-1507	80	6	consistent	consistent	ADJ
ajfa-1507	80	7	with	with	ADP
ajfa-1507	80	8	available	available	ADJ
ajfa-1507	80	9	literature	literature	NOUN
ajfa-1507	80	10	.	.	PUNCT
ajfa-1507	81	1	they	they	PRON
ajfa-1507	81	2	submitted	submit	VERB
ajfa-1507	81	3	3	3	NUM
ajfa-1507	81	4	main	main	ADJ
ajfa-1507	81	5	conclusions	conclusion	NOUN
ajfa-1507	81	6	.	.	PUNCT
ajfa-1507	82	1	firstly	firstly	ADV
ajfa-1507	82	2	evidence	evidence	NOUN
ajfa-1507	82	3	shows	show	VERB
ajfa-1507	82	4	that	that	SCONJ
ajfa-1507	82	5	a	a	DET
ajfa-1507	82	6	powerful	powerful	ADJ
ajfa-1507	82	7	supervisory	supervisory	ADJ
ajfa-1507	82	8	agency	agency	NOUN
ajfa-1507	82	9	with	with	ADP
ajfa-1507	82	10	broad	broad	ADJ
ajfa-1507	82	11	powers	power	NOUN
ajfa-1507	82	12	does	do	AUX
ajfa-1507	82	13	not	not	PART
ajfa-1507	82	14	better	well	ADV
ajfa-1507	82	15	regulate	regulate	VERB
ajfa-1507	82	16	or	or	CCONJ
ajfa-1507	82	17	facilities	facility	NOUN
ajfa-1507	82	18	efficient	efficient	ADJ
ajfa-1507	82	19	corporate	corporate	ADJ
ajfa-1507	82	20	finance	finance	NOUN
ajfa-1507	82	21	.	.	PUNCT
ajfa-1507	83	1	the	the	DET
ajfa-1507	83	2	evidence	evidence	NOUN
ajfa-1507	83	3	suggests	suggest	VERB
ajfa-1507	83	4	that	that	SCONJ
ajfa-1507	83	5	in	in	ADP
ajfa-1507	83	6	countries	country	NOUN
ajfa-1507	83	7	with	with	ADP
ajfa-1507	83	8	greater	great	ADJ
ajfa-1507	83	9	supervisory	supervisory	ADJ
ajfa-1507	83	10	powers	power	NOUN
ajfa-1507	83	11	especially	especially	ADV
ajfa-1507	83	12	with	with	ADP
ajfa-1507	83	13	regard	regard	NOUN
ajfa-1507	83	14	to	to	ADP
ajfa-1507	83	15	intervening	intervene	VERB
ajfa-1507	83	16	,	,	PUNCT
ajfa-1507	83	17	the	the	DET
ajfa-1507	83	18	data	datum	NOUN
ajfa-1507	83	19	suggest	suggest	VERB
ajfa-1507	83	20	that	that	SCONJ
ajfa-1507	83	21	there	there	PRON
ajfa-1507	83	22	would	would	AUX
ajfa-1507	83	23	be	be	AUX
ajfa-1507	83	24	more	more	ADJ
ajfa-1507	83	25	likelihood	likelihood	NOUN
ajfa-1507	83	26	of	of	ADP
ajfa-1507	83	27	corruption	corruption	NOUN
ajfa-1507	83	28	with	with	ADP
ajfa-1507	83	29	these	these	PRON
ajfa-1507	83	30	than	than	ADP
ajfa-1507	83	31	in	in	ADP
ajfa-1507	83	32	places	place	NOUN
ajfa-1507	83	33	without	without	ADP
ajfa-1507	83	34	such	such	ADJ
ajfa-1507	83	35	supervisory	supervisory	ADJ
ajfa-1507	83	36	or	or	CCONJ
ajfa-1507	83	37	regulatory	regulatory	ADJ
ajfa-1507	83	38	agencies	agency	NOUN
ajfa-1507	83	39	.	.	PUNCT
ajfa-1507	84	1	secondly	secondly	ADV
ajfa-1507	84	2	,	,	PUNCT
ajfa-1507	84	3	a	a	DET
ajfa-1507	84	4	regulatory	regulatory	ADJ
ajfa-1507	84	5	and	and	CCONJ
ajfa-1507	84	6	supervisory	supervisory	ADJ
ajfa-1507	84	7	framework	framework	NOUN
ajfa-1507	84	8	that	that	PRON
ajfa-1507	84	9	allows	allow	VERB
ajfa-1507	84	10	for	for	ADP
ajfa-1507	84	11	interventionism	interventionism	NOUN
ajfa-1507	84	12	tends	tend	VERB
ajfa-1507	84	13	to	to	PART
ajfa-1507	84	14	be	be	AUX
ajfa-1507	84	15	a	a	DET
ajfa-1507	84	16	tool	tool	NOUN
ajfa-1507	84	17	for	for	SCONJ
ajfa-1507	84	18	politicians	politician	NOUN
ajfa-1507	84	19	to	to	PART
ajfa-1507	84	20	manipulate	manipulate	VERB
ajfa-1507	84	21	,	,	PUNCT
ajfa-1507	84	22	it	it	PRON
ajfa-1507	84	23	often	often	ADV
ajfa-1507	84	24	brings	bring	VERB
ajfa-1507	84	25	forth	forth	ADP
ajfa-1507	84	26	evidence	evidence	NOUN
ajfa-1507	84	27	that	that	SCONJ
ajfa-1507	84	28	where	where	SCONJ
ajfa-1507	84	29	such	such	DET
ajfa-1507	84	30	a	a	DET
ajfa-1507	84	31	system	system	NOUN
ajfa-1507	84	32	is	be	AUX
ajfa-1507	84	33	in	in	ADP
ajfa-1507	84	34	place	place	NOUN
ajfa-1507	84	35	,	,	PUNCT
ajfa-1507	84	36	it	it	PRON
ajfa-1507	84	37	also	also	ADV
ajfa-1507	84	38	brings	bring	VERB
ajfa-1507	84	39	poor	poor	ADJ
ajfa-1507	84	40	state	state	NOUN
ajfa-1507	84	41	governance	governance	NOUN
ajfa-1507	84	42	.	.	PUNCT
ajfa-1507	85	1	asian	asian	ADJ
ajfa-1507	85	2	journal	journal	PROPN
ajfa-1507	85	3	of	of	ADP
ajfa-1507	85	4	finance	finance	PROPN
ajfa-1507	85	5	&	&	CCONJ
ajfa-1507	85	6	accounting	accounting	PROPN
ajfa-1507	85	7	issn	issn	PROPN
ajfa-1507	85	8	1946	1946	NUM
ajfa-1507	85	9	-	-	PUNCT
ajfa-1507	85	10	052x	052x	NOUN
ajfa-1507	85	11	2012	2012	NUM
ajfa-1507	85	12	,	,	PUNCT
ajfa-1507	85	13	vol	vol	NOUN
ajfa-1507	85	14	.	.	PROPN
ajfa-1507	85	15	4	4	NUM
ajfa-1507	85	16	,	,	PUNCT
ajfa-1507	85	17	no	no	INTJ
ajfa-1507	85	18	.	.	NOUN
ajfa-1507	85	19	1	1	NUM
ajfa-1507	85	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	85	21	221	221	NUM
ajfa-1507	85	22	thirdly	thirdly	ADV
ajfa-1507	85	23	,	,	PUNCT
ajfa-1507	85	24	their	their	PRON
ajfa-1507	85	25	analyses	analysis	NOUN
ajfa-1507	85	26	are	be	AUX
ajfa-1507	85	27	consistent	consistent	ADJ
ajfa-1507	85	28	that	that	SCONJ
ajfa-1507	85	29	private	private	ADJ
ajfa-1507	85	30	monitoring	monitoring	NOUN
ajfa-1507	85	31	is	be	AUX
ajfa-1507	85	32	a	a	DET
ajfa-1507	85	33	better	well	ADJ
ajfa-1507	85	34	solution	solution	NOUN
ajfa-1507	85	35	.	.	PUNCT
ajfa-1507	86	1	this	this	PRON
ajfa-1507	86	2	is	be	AUX
ajfa-1507	86	3	especially	especially	ADV
ajfa-1507	86	4	so	so	ADV
ajfa-1507	86	5	with	with	ADP
ajfa-1507	86	6	greater	great	ADJ
ajfa-1507	86	7	information	information	NOUN
ajfa-1507	86	8	disclosures	disclosure	NOUN
ajfa-1507	86	9	and	and	CCONJ
ajfa-1507	86	10	without	without	ADP
ajfa-1507	86	11	distortions	distortion	NOUN
ajfa-1507	86	12	in	in	ADP
ajfa-1507	86	13	the	the	DET
ajfa-1507	86	14	market	market	NOUN
ajfa-1507	86	15	.	.	PUNCT
ajfa-1507	87	1	their	their	PRON
ajfa-1507	87	2	data	datum	NOUN
ajfa-1507	87	3	suggest	suggest	VERB
ajfa-1507	87	4	that	that	SCONJ
ajfa-1507	87	5	where	where	SCONJ
ajfa-1507	87	6	private	private	ADJ
ajfa-1507	87	7	monitoring	monitoring	NOUN
ajfa-1507	87	8	coupled	couple	VERB
ajfa-1507	87	9	with	with	ADP
ajfa-1507	87	10	forced	force	VERB
ajfa-1507	87	11	accurate	accurate	ADJ
ajfa-1507	87	12	information	information	NOUN
ajfa-1507	87	13	disclosure	disclosure	NOUN
ajfa-1507	87	14	that	that	SCONJ
ajfa-1507	87	15	there	there	PRON
ajfa-1507	87	16	is	be	VERB
ajfa-1507	87	17	an	an	DET
ajfa-1507	87	18	overall	overall	ADJ
ajfa-1507	87	19	benefit	benefit	NOUN
ajfa-1507	87	20	to	to	ADP
ajfa-1507	87	21	the	the	DET
ajfa-1507	87	22	integrity	integrity	NOUN
ajfa-1507	87	23	of	of	ADP
ajfa-1507	87	24	the	the	DET
ajfa-1507	87	25	financial	financial	ADJ
ajfa-1507	87	26	system	system	NOUN
ajfa-1507	87	27	of	of	ADP
ajfa-1507	87	28	a	a	DET
ajfa-1507	87	29	nation	nation	NOUN
ajfa-1507	87	30	and	and	CCONJ
ajfa-1507	87	31	this	this	PRON
ajfa-1507	87	32	will	will	AUX
ajfa-1507	87	33	only	only	ADV
ajfa-1507	87	34	work	work	VERB
ajfa-1507	87	35	if	if	SCONJ
ajfa-1507	87	36	there	there	PRON
ajfa-1507	87	37	is	be	VERB
ajfa-1507	87	38	already	already	ADV
ajfa-1507	87	39	in	in	ADP
ajfa-1507	87	40	place	place	NOUN
ajfa-1507	87	41	a	a	DET
ajfa-1507	87	42	good	good	ADJ
ajfa-1507	87	43	legal	legal	ADJ
ajfa-1507	87	44	system	system	NOUN
ajfa-1507	87	45	.	.	PUNCT
ajfa-1507	88	1	politics	politic	NOUN
ajfa-1507	88	2	aside	aside	ADV
ajfa-1507	88	3	,	,	PUNCT
ajfa-1507	88	4	the	the	DET
ajfa-1507	88	5	authors	author	NOUN
ajfa-1507	88	6	were	be	AUX
ajfa-1507	88	7	of	of	ADP
ajfa-1507	88	8	opinion	opinion	NOUN
ajfa-1507	88	9	that	that	SCONJ
ajfa-1507	88	10	supervision	supervision	NOUN
ajfa-1507	88	11	of	of	ADP
ajfa-1507	88	12	financial	financial	ADJ
ajfa-1507	88	13	institution	institution	NOUN
ajfa-1507	88	14	clearly	clearly	ADV
ajfa-1507	88	15	mattered	matter	VERB
ajfa-1507	88	16	,	,	PUNCT
ajfa-1507	88	17	but	but	CCONJ
ajfa-1507	88	18	the	the	DET
ajfa-1507	88	19	question	question	NOUN
ajfa-1507	88	20	to	to	PART
ajfa-1507	88	21	be	be	AUX
ajfa-1507	88	22	asked	ask	VERB
ajfa-1507	88	23	is	be	AUX
ajfa-1507	88	24	who	who	PRON
ajfa-1507	88	25	the	the	DET
ajfa-1507	88	26	better	well	ADJ
ajfa-1507	88	27	ones	one	NOUN
ajfa-1507	88	28	to	to	PART
ajfa-1507	88	29	supervise	supervise	VERB
ajfa-1507	88	30	are	be	AUX
ajfa-1507	88	31	.	.	PUNCT
ajfa-1507	89	1	their	their	PRON
ajfa-1507	89	2	results	result	NOUN
ajfa-1507	89	3	which	which	PRON
ajfa-1507	89	4	are	be	AUX
ajfa-1507	89	5	non	non	ADJ
ajfa-1507	89	6	-	-	ADJ
ajfa-1507	89	7	ideological	ideological	ADJ
ajfa-1507	89	8	suggest	suggest	VERB
ajfa-1507	89	9	that	that	SCONJ
ajfa-1507	89	10	better	well	ADJ
ajfa-1507	89	11	information	information	NOUN
ajfa-1507	89	12	and	and	CCONJ
ajfa-1507	89	13	supervision	supervision	NOUN
ajfa-1507	89	14	are	be	AUX
ajfa-1507	89	15	the	the	DET
ajfa-1507	89	16	best	good	ADJ
ajfa-1507	89	17	way	way	NOUN
ajfa-1507	89	18	forward	forward	ADV
ajfa-1507	89	19	in	in	ADP
ajfa-1507	89	20	regard	regard	NOUN
ajfa-1507	89	21	to	to	ADP
ajfa-1507	89	22	reducing	reduce	VERB
ajfa-1507	89	23	corruption	corruption	NOUN
ajfa-1507	89	24	in	in	ADP
ajfa-1507	89	25	the	the	DET
ajfa-1507	89	26	banking	banking	NOUN
ajfa-1507	89	27	sector	sector	NOUN
ajfa-1507	89	28	especially	especially	ADV
ajfa-1507	89	29	with	with	ADP
ajfa-1507	89	30	regard	regard	NOUN
ajfa-1507	89	31	to	to	ADP
ajfa-1507	89	32	lending	lending	NOUN
ajfa-1507	89	33	.	.	PUNCT
ajfa-1507	90	1	in	in	ADP
ajfa-1507	90	2	hindsight	hindsight	ADJ
ajfa-1507	90	3	,	,	PUNCT
ajfa-1507	90	4	the	the	DET
ajfa-1507	90	5	authors	author	NOUN
ajfa-1507	90	6	could	could	AUX
ajfa-1507	90	7	only	only	ADV
ajfa-1507	90	8	have	have	AUX
ajfa-1507	90	9	wished	wish	VERB
ajfa-1507	90	10	more	more	ADJ
ajfa-1507	90	11	of	of	ADP
ajfa-1507	90	12	their	their	PRON
ajfa-1507	90	13	suggestions	suggestion	NOUN
ajfa-1507	90	14	were	be	AUX
ajfa-1507	90	15	taken	take	VERB
ajfa-1507	90	16	into	into	ADP
ajfa-1507	90	17	account	account	NOUN
ajfa-1507	90	18	sooner	soon	ADV
ajfa-1507	90	19	with	with	ADP
ajfa-1507	90	20	regard	regard	NOUN
ajfa-1507	90	21	to	to	ADP
ajfa-1507	90	22	bank	bank	NOUN
ajfa-1507	90	23	regulations	regulation	NOUN
ajfa-1507	90	24	and	and	CCONJ
ajfa-1507	90	25	supervision	supervision	NOUN
ajfa-1507	90	26	especially	especially	ADV
ajfa-1507	90	27	with	with	ADP
ajfa-1507	90	28	the	the	DET
ajfa-1507	90	29	onset	onset	NOUN
ajfa-1507	90	30	of	of	ADP
ajfa-1507	90	31	the	the	DET
ajfa-1507	90	32	subprime	subprime	ADJ
ajfa-1507	90	33	crisis	crisis	NOUN
ajfa-1507	90	34	in	in	ADP
ajfa-1507	90	35	the	the	DET
ajfa-1507	90	36	usa	usa	PROPN
ajfa-1507	90	37	.	.	PROPN
ajfa-1507	91	1	in	in	ADP
ajfa-1507	91	2	a	a	DET
ajfa-1507	91	3	paper	paper	NOUN
ajfa-1507	91	4	(	(	PUNCT
ajfa-1507	91	5	demirgüç	demirgüç	NOUN
ajfa-1507	91	6	-	-	PUNCT
ajfa-1507	91	7	kunt	kunt	PROPN
ajfa-1507	91	8	,	,	PUNCT
ajfa-1507	91	9	laeven	laeven	PROPN
ajfa-1507	91	10	&	&	CCONJ
ajfa-1507	91	11	levine	levine	PROPN
ajfa-1507	91	12	.	.	PROPN
ajfa-1507	91	13	2004	2004	NUM
ajfa-1507	91	14	)	)	PUNCT
ajfa-1507	91	15	that	that	PRON
ajfa-1507	91	16	examined	examine	VERB
ajfa-1507	91	17	the	the	DET
ajfa-1507	91	18	impact	impact	NOUN
ajfa-1507	91	19	of	of	ADP
ajfa-1507	91	20	bank	bank	NOUN
ajfa-1507	91	21	regulations	regulation	NOUN
ajfa-1507	91	22	,	,	PUNCT
ajfa-1507	91	23	market	market	NOUN
ajfa-1507	91	24	structure	structure	NOUN
ajfa-1507	91	25	and	and	CCONJ
ajfa-1507	91	26	national	national	ADJ
ajfa-1507	91	27	institutions	institution	NOUN
ajfa-1507	91	28	on	on	ADP
ajfa-1507	91	29	the	the	DET
ajfa-1507	91	30	profitability	profitability	NOUN
ajfa-1507	91	31	of	of	ADP
ajfa-1507	91	32	banks	bank	NOUN
ajfa-1507	91	33	,	,	PUNCT
ajfa-1507	91	34	the	the	DET
ajfa-1507	91	35	finding	finding	NOUN
ajfa-1507	91	36	was	be	AUX
ajfa-1507	91	37	that	that	SCONJ
ajfa-1507	91	38	stricter	strict	ADJ
ajfa-1507	91	39	barriers	barrier	NOUN
ajfa-1507	91	40	to	to	ADP
ajfa-1507	91	41	entry	entry	NOUN
ajfa-1507	91	42	and	and	CCONJ
ajfa-1507	91	43	bank	bank	NOUN
ajfa-1507	91	44	activities	activity	NOUN
ajfa-1507	91	45	may	may	AUX
ajfa-1507	91	46	increase	increase	VERB
ajfa-1507	91	47	cost	cost	NOUN
ajfa-1507	91	48	of	of	ADP
ajfa-1507	91	49	financial	financial	ADJ
ajfa-1507	91	50	intermediation	intermediation	NOUN
ajfa-1507	91	51	.	.	PUNCT
ajfa-1507	92	1	the	the	DET
ajfa-1507	92	2	authors	author	NOUN
ajfa-1507	92	3	also	also	ADV
ajfa-1507	92	4	presented	present	VERB
ajfa-1507	92	5	evidence	evidence	NOUN
ajfa-1507	92	6	consistent	consistent	ADJ
ajfa-1507	92	7	with	with	ADP
ajfa-1507	92	8	literature	literature	NOUN
ajfa-1507	92	9	that	that	PRON
ajfa-1507	92	10	regulations	regulation	NOUN
ajfa-1507	92	11	or	or	CCONJ
ajfa-1507	92	12	stricter	strict	ADJ
ajfa-1507	92	13	regulatory	regulatory	ADJ
ajfa-1507	92	14	requirements	requirement	NOUN
ajfa-1507	92	15	did	do	AUX
ajfa-1507	92	16	not	not	PART
ajfa-1507	92	17	bring	bring	VERB
ajfa-1507	92	18	about	about	ADV
ajfa-1507	92	19	much	much	ADJ
ajfa-1507	92	20	benefit	benefit	NOUN
ajfa-1507	92	21	in	in	ADP
ajfa-1507	92	22	regard	regard	NOUN
ajfa-1507	92	23	to	to	ADP
ajfa-1507	92	24	bank	bank	NOUN
ajfa-1507	92	25	stability	stability	NOUN
ajfa-1507	92	26	,	,	PUNCT
ajfa-1507	92	27	it	it	PRON
ajfa-1507	92	28	also	also	ADV
ajfa-1507	92	29	impeded	impede	VERB
ajfa-1507	92	30	firms	firm	NOUN
ajfa-1507	92	31	’	’	PART
ajfa-1507	92	32	ability	ability	NOUN
ajfa-1507	92	33	to	to	PART
ajfa-1507	92	34	access	access	VERB
ajfa-1507	92	35	financing	financing	NOUN
ajfa-1507	92	36	from	from	ADP
ajfa-1507	92	37	external	external	ADJ
ajfa-1507	92	38	sources	source	NOUN
ajfa-1507	92	39	.	.	PUNCT
ajfa-1507	93	1	it	it	PRON
ajfa-1507	93	2	also	also	ADV
ajfa-1507	93	3	played	play	VERB
ajfa-1507	93	4	a	a	DET
ajfa-1507	93	5	negative	negative	ADJ
ajfa-1507	93	6	role	role	NOUN
ajfa-1507	93	7	in	in	ADP
ajfa-1507	93	8	regard	regard	NOUN
ajfa-1507	93	9	to	to	ADP
ajfa-1507	93	10	the	the	DET
ajfa-1507	93	11	valuation	valuation	NOUN
ajfa-1507	93	12	of	of	ADP
ajfa-1507	93	13	a	a	DET
ajfa-1507	93	14	bank	bank	NOUN
ajfa-1507	93	15	.	.	PUNCT
ajfa-1507	94	1	it	it	PRON
ajfa-1507	94	2	also	also	ADV
ajfa-1507	94	3	meant	mean	VERB
ajfa-1507	94	4	that	that	SCONJ
ajfa-1507	94	5	overall	overall	ADJ
ajfa-1507	94	6	development	development	NOUN
ajfa-1507	94	7	in	in	ADP
ajfa-1507	94	8	the	the	DET
ajfa-1507	94	9	financial	financial	ADJ
ajfa-1507	94	10	services	service	NOUN
ajfa-1507	94	11	industry	industry	NOUN
ajfa-1507	94	12	would	would	AUX
ajfa-1507	94	13	suffer	suffer	VERB
ajfa-1507	94	14	a	a	DET
ajfa-1507	94	15	setback	setback	NOUN
ajfa-1507	94	16	.	.	PUNCT
ajfa-1507	95	1	literature	literature	NOUN
ajfa-1507	95	2	in	in	ADP
ajfa-1507	95	3	regard	regard	NOUN
ajfa-1507	95	4	to	to	ADP
ajfa-1507	95	5	bank	bank	NOUN
ajfa-1507	95	6	diversification	diversification	NOUN
ajfa-1507	95	7	into	into	ADP
ajfa-1507	95	8	non	non	ADJ
ajfa-1507	95	9	-	-	ADJ
ajfa-1507	95	10	traditional	traditional	ADJ
ajfa-1507	95	11	income	income	NOUN
ajfa-1507	95	12	sources	source	NOUN
ajfa-1507	95	13	also	also	ADV
ajfa-1507	95	14	exist	exist	VERB
ajfa-1507	95	15	and	and	CCONJ
ajfa-1507	95	16	also	also	ADV
ajfa-1507	95	17	are	be	AUX
ajfa-1507	95	18	of	of	ADP
ajfa-1507	95	19	the	the	DET
ajfa-1507	95	20	tangent	tangent	NOUN
ajfa-1507	95	21	on	on	ADP
ajfa-1507	95	22	whether	whether	SCONJ
ajfa-1507	95	23	regulation	regulation	NOUN
ajfa-1507	95	24	in	in	ADP
ajfa-1507	95	25	this	this	DET
ajfa-1507	95	26	regard	regard	NOUN
ajfa-1507	95	27	affects	affect	VERB
ajfa-1507	95	28	their	their	PRON
ajfa-1507	95	29	efficiency	efficiency	NOUN
ajfa-1507	95	30	.	.	PUNCT
ajfa-1507	96	1	according	accord	VERB
ajfa-1507	96	2	to	to	ADP
ajfa-1507	96	3	literature	literature	NOUN
ajfa-1507	96	4	,	,	PUNCT
ajfa-1507	96	5	(	(	PUNCT
ajfa-1507	96	6	laeven	laeven	PROPN
ajfa-1507	96	7	&	&	CCONJ
ajfa-1507	96	8	levine	levine	PROPN
ajfa-1507	96	9	,	,	PUNCT
ajfa-1507	96	10	2007	2007	NUM
ajfa-1507	96	11	)	)	PUNCT
ajfa-1507	96	12	analysing	analyse	VERB
ajfa-1507	96	13	dominant	dominant	ADJ
ajfa-1507	96	14	banking	banking	NOUN
ajfa-1507	96	15	players	player	NOUN
ajfa-1507	96	16	in	in	ADP
ajfa-1507	96	17	the	the	DET
ajfa-1507	96	18	industry	industry	NOUN
ajfa-1507	96	19	and	and	CCONJ
ajfa-1507	96	20	the	the	DET
ajfa-1507	96	21	impact	impact	NOUN
ajfa-1507	96	22	of	of	ADP
ajfa-1507	96	23	regulations	regulation	NOUN
ajfa-1507	96	24	,	,	PUNCT
ajfa-1507	96	25	they	they	PRON
ajfa-1507	96	26	attempted	attempt	VERB
ajfa-1507	96	27	to	to	PART
ajfa-1507	96	28	show	show	VERB
ajfa-1507	96	29	that	that	SCONJ
ajfa-1507	96	30	diversified	diversified	ADJ
ajfa-1507	96	31	banks	bank	NOUN
ajfa-1507	96	32	did	do	AUX
ajfa-1507	96	33	not	not	PART
ajfa-1507	96	34	do	do	VERB
ajfa-1507	96	35	as	as	ADV
ajfa-1507	96	36	well	well	ADV
ajfa-1507	96	37	as	as	ADP
ajfa-1507	96	38	specialized	specialized	ADJ
ajfa-1507	96	39	ones	one	NOUN
ajfa-1507	96	40	,	,	PUNCT
ajfa-1507	96	41	this	this	PRON
ajfa-1507	96	42	is	be	AUX
ajfa-1507	96	43	especially	especially	ADV
ajfa-1507	96	44	with	with	ADP
ajfa-1507	96	45	regard	regard	NOUN
ajfa-1507	96	46	to	to	ADP
ajfa-1507	96	47	their	their	PRON
ajfa-1507	96	48	investment	investment	NOUN
ajfa-1507	96	49	funding	funding	NOUN
ajfa-1507	96	50	and	and	CCONJ
ajfa-1507	96	51	related	related	ADJ
ajfa-1507	96	52	activities	activity	NOUN
ajfa-1507	96	53	.	.	PUNCT
ajfa-1507	97	1	laeven	laeven	PROPN
ajfa-1507	97	2	&	&	CCONJ
ajfa-1507	97	3	levine	levine	PROPN
ajfa-1507	97	4	(	(	PUNCT
ajfa-1507	97	5	2007	2007	NUM
ajfa-1507	97	6	)	)	PUNCT
ajfa-1507	97	7	study	study	NOUN
ajfa-1507	97	8	is	be	AUX
ajfa-1507	97	9	very	very	ADV
ajfa-1507	97	10	much	much	ADV
ajfa-1507	97	11	relevant	relevant	ADJ
ajfa-1507	97	12	to	to	ADP
ajfa-1507	97	13	this	this	DET
ajfa-1507	97	14	paper	paper	NOUN
ajfa-1507	97	15	as	as	SCONJ
ajfa-1507	97	16	it	it	PRON
ajfa-1507	97	17	is	be	AUX
ajfa-1507	97	18	studying	study	VERB
ajfa-1507	97	19	the	the	DET
ajfa-1507	97	20	effects	effect	NOUN
ajfa-1507	97	21	on	on	ADP
ajfa-1507	97	22	regulation	regulation	NOUN
ajfa-1507	97	23	and	and	CCONJ
ajfa-1507	97	24	supervisory	supervisory	ADJ
ajfa-1507	97	25	using	use	VERB
ajfa-1507	97	26	evidence	evidence	NOUN
ajfa-1507	97	27	of	of	ADP
ajfa-1507	97	28	a	a	DET
ajfa-1507	97	29	dual	dual	ADJ
ajfa-1507	97	30	banking	banking	NOUN
ajfa-1507	97	31	system	system	NOUN
ajfa-1507	97	32	.	.	PUNCT
ajfa-1507	98	1	generally	generally	ADV
ajfa-1507	98	2	it	it	PRON
ajfa-1507	98	3	is	be	AUX
ajfa-1507	98	4	accepted	accept	VERB
ajfa-1507	98	5	by	by	ADP
ajfa-1507	98	6	the	the	DET
ajfa-1507	98	7	authors	author	NOUN
ajfa-1507	98	8	that	that	PRON
ajfa-1507	98	9	diversification	diversification	NOUN
ajfa-1507	98	10	has	have	VERB
ajfa-1507	98	11	a	a	DET
ajfa-1507	98	12	negative	negative	ADJ
ajfa-1507	98	13	impact	impact	NOUN
ajfa-1507	98	14	on	on	ADP
ajfa-1507	98	15	bank	bank	NOUN
ajfa-1507	98	16	performance	performance	NOUN
ajfa-1507	98	17	,	,	PUNCT
ajfa-1507	98	18	however	however	SCONJ
ajfa-1507	98	19	instruments	instrument	NOUN
ajfa-1507	98	20	in	in	ADP
ajfa-1507	98	21	which	which	PRON
ajfa-1507	98	22	that	that	PRON
ajfa-1507	98	23	could	could	AUX
ajfa-1507	98	24	be	be	AUX
ajfa-1507	98	25	put	put	VERB
ajfa-1507	98	26	in	in	ADP
ajfa-1507	98	27	place	place	NOUN
ajfa-1507	98	28	to	to	PART
ajfa-1507	98	29	overcome	overcome	VERB
ajfa-1507	98	30	these	these	DET
ajfa-1507	98	31	impacts	impact	NOUN
ajfa-1507	98	32	.	.	PUNCT
ajfa-1507	99	1	their	their	PRON
ajfa-1507	99	2	findings	finding	NOUN
ajfa-1507	99	3	were	be	AUX
ajfa-1507	99	4	that	that	SCONJ
ajfa-1507	99	5	firstly	firstly	ADV
ajfa-1507	99	6	highly	highly	ADV
ajfa-1507	99	7	diversified	diversify	VERB
ajfa-1507	99	8	banks	bank	NOUN
ajfa-1507	99	9	performed	perform	VERB
ajfa-1507	99	10	much	much	ADV
ajfa-1507	99	11	worse	bad	ADJ
ajfa-1507	99	12	than	than	ADP
ajfa-1507	99	13	those	those	PRON
ajfa-1507	99	14	who	who	PRON
ajfa-1507	99	15	had	have	VERB
ajfa-1507	99	16	specializations	specialization	NOUN
ajfa-1507	99	17	.	.	PUNCT
ajfa-1507	100	1	secondly	secondly	ADV
ajfa-1507	100	2	,	,	PUNCT
ajfa-1507	100	3	it	it	PRON
ajfa-1507	100	4	also	also	ADV
ajfa-1507	100	5	depended	depend	VERB
ajfa-1507	100	6	on	on	ADP
ajfa-1507	100	7	who	who	PRON
ajfa-1507	100	8	the	the	DET
ajfa-1507	100	9	owners	owner	NOUN
ajfa-1507	100	10	of	of	ADP
ajfa-1507	100	11	such	such	ADJ
ajfa-1507	100	12	banks	bank	NOUN
ajfa-1507	100	13	were	be	AUX
ajfa-1507	100	14	,	,	PUNCT
ajfa-1507	100	15	where	where	SCONJ
ajfa-1507	100	16	it	it	PRON
ajfa-1507	100	17	was	be	AUX
ajfa-1507	100	18	state	state	NOUN
ajfa-1507	100	19	ownership	ownership	NOUN
ajfa-1507	100	20	then	then	ADV
ajfa-1507	100	21	it	it	PRON
ajfa-1507	100	22	had	have	VERB
ajfa-1507	100	23	a	a	DET
ajfa-1507	100	24	very	very	ADV
ajfa-1507	100	25	detrimental	detrimental	ADJ
ajfa-1507	100	26	effect	effect	NOUN
ajfa-1507	100	27	on	on	ADP
ajfa-1507	100	28	performance	performance	NOUN
ajfa-1507	100	29	but	but	CCONJ
ajfa-1507	100	30	where	where	SCONJ
ajfa-1507	100	31	it	it	PRON
ajfa-1507	100	32	was	be	AUX
ajfa-1507	100	33	a	a	DET
ajfa-1507	100	34	private	private	ADJ
ajfa-1507	100	35	enterprise	enterprise	NOUN
ajfa-1507	100	36	regardless	regardless	ADV
ajfa-1507	100	37	of	of	ADP
ajfa-1507	100	38	domestic	domestic	ADJ
ajfa-1507	100	39	or	or	CCONJ
ajfa-1507	100	40	foreign	foreign	ADJ
ajfa-1507	100	41	they	they	PRON
ajfa-1507	100	42	were	be	AUX
ajfa-1507	100	43	able	able	ADJ
ajfa-1507	100	44	to	to	PART
ajfa-1507	100	45	mitigate	mitigate	VERB
ajfa-1507	100	46	the	the	DET
ajfa-1507	100	47	negatives	negative	NOUN
ajfa-1507	100	48	.	.	PUNCT
ajfa-1507	101	1	often	often	ADV
ajfa-1507	101	2	bank	bank	NOUN
ajfa-1507	101	3	regulations	regulation	NOUN
ajfa-1507	101	4	are	be	AUX
ajfa-1507	101	5	steeped	steep	VERB
ajfa-1507	101	6	in	in	ADP
ajfa-1507	101	7	bureaucracy	bureaucracy	NOUN
ajfa-1507	101	8	in	in	ADP
ajfa-1507	101	9	regard	regard	NOUN
ajfa-1507	101	10	to	to	ADP
ajfa-1507	101	11	market	market	NOUN
ajfa-1507	101	12	entry	entry	NOUN
ajfa-1507	101	13	.	.	PUNCT
ajfa-1507	102	1	while	while	SCONJ
ajfa-1507	102	2	it	it	PRON
ajfa-1507	102	3	is	be	AUX
ajfa-1507	102	4	often	often	ADV
ajfa-1507	102	5	true	true	ADJ
ajfa-1507	102	6	that	that	SCONJ
ajfa-1507	102	7	not	not	PART
ajfa-1507	102	8	everyone	everyone	PRON
ajfa-1507	102	9	should	should	AUX
ajfa-1507	102	10	be	be	AUX
ajfa-1507	102	11	given	give	VERB
ajfa-1507	102	12	a	a	DET
ajfa-1507	102	13	bank	bank	NOUN
ajfa-1507	102	14	operating	operate	VERB
ajfa-1507	102	15	license	license	NOUN
ajfa-1507	102	16	just	just	ADV
ajfa-1507	102	17	because	because	SCONJ
ajfa-1507	102	18	they	they	PRON
ajfa-1507	102	19	ask	ask	VERB
ajfa-1507	102	20	for	for	ADP
ajfa-1507	102	21	one	one	NUM
ajfa-1507	102	22	,	,	PUNCT
ajfa-1507	102	23	it	it	PRON
ajfa-1507	102	24	is	be	AUX
ajfa-1507	102	25	generally	generally	ADV
ajfa-1507	102	26	accepted	accept	VERB
ajfa-1507	102	27	that	that	SCONJ
ajfa-1507	102	28	in	in	ADP
ajfa-1507	102	29	many	many	ADJ
ajfa-1507	102	30	countries	country	NOUN
ajfa-1507	102	31	where	where	SCONJ
ajfa-1507	102	32	there	there	PRON
ajfa-1507	102	33	are	be	VERB
ajfa-1507	102	34	ease	ease	NOUN
ajfa-1507	102	35	in	in	ADP
ajfa-1507	102	36	regulations	regulation	NOUN
ajfa-1507	102	37	to	to	ADP
ajfa-1507	102	38	market	market	NOUN
ajfa-1507	102	39	entry	entry	NOUN
ajfa-1507	102	40	the	the	DET
ajfa-1507	102	41	dynamism	dynamism	NOUN
ajfa-1507	102	42	of	of	ADP
ajfa-1507	102	43	the	the	DET
ajfa-1507	102	44	financial	financial	ADJ
ajfa-1507	102	45	sector	sector	NOUN
ajfa-1507	102	46	improves	improve	VERB
ajfa-1507	102	47	by	by	ADP
ajfa-1507	102	48	leaps	leap	NOUN
ajfa-1507	102	49	and	and	CCONJ
ajfa-1507	102	50	bounds	bound	NOUN
ajfa-1507	102	51	.	.	PUNCT
ajfa-1507	103	1	according	accord	VERB
ajfa-1507	103	2	to	to	ADP
ajfa-1507	103	3	casu	casu	PROPN
ajfa-1507	103	4	&	&	CCONJ
ajfa-1507	103	5	girardone	girardone	PROPN
ajfa-1507	103	6	(	(	PUNCT
ajfa-1507	103	7	2006	2006	NUM
ajfa-1507	103	8	)	)	PUNCT
ajfa-1507	103	9	,	,	PUNCT
ajfa-1507	103	10	a	a	DET
ajfa-1507	103	11	level	level	NOUN
ajfa-1507	103	12	playing	playing	NOUN
ajfa-1507	103	13	field	field	NOUN
ajfa-1507	103	14	was	be	AUX
ajfa-1507	103	15	the	the	DET
ajfa-1507	103	16	main	main	ADJ
ajfa-1507	103	17	objective	objective	NOUN
ajfa-1507	103	18	for	for	ADP
ajfa-1507	103	19	deregulation	deregulation	NOUN
ajfa-1507	103	20	in	in	ADP
ajfa-1507	103	21	the	the	DET
ajfa-1507	103	22	banking	banking	NOUN
ajfa-1507	103	23	sector	sector	NOUN
ajfa-1507	103	24	.	.	PUNCT
ajfa-1507	104	1	the	the	DET
ajfa-1507	104	2	easing	easing	NOUN
ajfa-1507	104	3	of	of	ADP
ajfa-1507	104	4	entry	entry	NOUN
ajfa-1507	104	5	somewhat	somewhat	ADV
ajfa-1507	104	6	made	make	VERB
ajfa-1507	104	7	it	it	PRON
ajfa-1507	104	8	easier	easy	ADJ
ajfa-1507	104	9	for	for	ADP
ajfa-1507	104	10	entry	entry	NOUN
ajfa-1507	104	11	into	into	ADP
ajfa-1507	104	12	the	the	DET
ajfa-1507	104	13	single	single	ADJ
ajfa-1507	104	14	market	market	NOUN
ajfa-1507	104	15	,	,	PUNCT
ajfa-1507	104	16	but	but	CCONJ
ajfa-1507	104	17	the	the	DET
ajfa-1507	104	18	main	main	ADJ
ajfa-1507	104	19	effects	effect	NOUN
ajfa-1507	104	20	to	to	ADP
ajfa-1507	104	21	it	it	PRON
ajfa-1507	104	22	was	be	AUX
ajfa-1507	104	23	a	a	DET
ajfa-1507	104	24	series	series	NOUN
ajfa-1507	104	25	of	of	ADP
ajfa-1507	104	26	major	major	ADJ
ajfa-1507	104	27	consolidation	consolidation	NOUN
ajfa-1507	104	28	.	.	PUNCT
ajfa-1507	105	1	while	while	SCONJ
ajfa-1507	105	2	their	their	PRON
ajfa-1507	105	3	focus	focus	NOUN
ajfa-1507	105	4	was	be	AUX
ajfa-1507	105	5	more	more	ADV
ajfa-1507	105	6	asian	asian	ADJ
ajfa-1507	105	7	journal	journal	NOUN
ajfa-1507	105	8	of	of	ADP
ajfa-1507	105	9	finance	finance	PROPN
ajfa-1507	105	10	&	&	CCONJ
ajfa-1507	105	11	accounting	accounting	PROPN
ajfa-1507	105	12	issn	issn	PROPN
ajfa-1507	105	13	1946	1946	NUM
ajfa-1507	105	14	-	-	PUNCT
ajfa-1507	105	15	052x	052x	NOUN
ajfa-1507	105	16	2012	2012	NUM
ajfa-1507	105	17	,	,	PUNCT
ajfa-1507	105	18	vol	vol	NOUN
ajfa-1507	105	19	.	.	PROPN
ajfa-1507	105	20	4	4	NUM
ajfa-1507	105	21	,	,	PUNCT
ajfa-1507	105	22	no	no	INTJ
ajfa-1507	105	23	.	.	NOUN
ajfa-1507	105	24	1	1	NUM
ajfa-1507	105	25	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	105	26	222	222	NUM
ajfa-1507	105	27	towards	towards	ADP
ajfa-1507	105	28	competition	competition	NOUN
ajfa-1507	105	29	within	within	ADP
ajfa-1507	105	30	the	the	DET
ajfa-1507	105	31	banking	banking	NOUN
ajfa-1507	105	32	industry	industry	NOUN
ajfa-1507	105	33	and	and	CCONJ
ajfa-1507	105	34	its	its	PRON
ajfa-1507	105	35	effects	effect	NOUN
ajfa-1507	105	36	on	on	ADP
ajfa-1507	105	37	efficiency	efficiency	NOUN
ajfa-1507	105	38	and	and	CCONJ
ajfa-1507	105	39	probability	probability	NOUN
ajfa-1507	105	40	in	in	ADP
ajfa-1507	105	41	the	the	DET
ajfa-1507	105	42	european	european	PROPN
ajfa-1507	105	43	union	union	PROPN
ajfa-1507	105	44	many	many	ADJ
ajfa-1507	105	45	of	of	ADP
ajfa-1507	105	46	the	the	DET
ajfa-1507	105	47	lessons	lesson	NOUN
ajfa-1507	105	48	from	from	ADP
ajfa-1507	105	49	there	there	PRON
ajfa-1507	105	50	could	could	AUX
ajfa-1507	105	51	also	also	ADV
ajfa-1507	105	52	be	be	AUX
ajfa-1507	105	53	applied	apply	VERB
ajfa-1507	105	54	in	in	ADP
ajfa-1507	105	55	regard	regard	NOUN
ajfa-1507	105	56	to	to	ADP
ajfa-1507	105	57	the	the	DET
ajfa-1507	105	58	analysis	analysis	NOUN
ajfa-1507	105	59	of	of	ADP
ajfa-1507	105	60	the	the	DET
ajfa-1507	105	61	dual	dual	ADJ
ajfa-1507	105	62	banking	banking	NOUN
ajfa-1507	105	63	study	study	NOUN
ajfa-1507	105	64	this	this	DET
ajfa-1507	105	65	paper	paper	NOUN
ajfa-1507	105	66	is	be	AUX
ajfa-1507	105	67	on	on	ADP
ajfa-1507	105	68	.	.	PUNCT
ajfa-1507	106	1	their	their	PRON
ajfa-1507	106	2	findings	finding	NOUN
ajfa-1507	106	3	further	far	ADV
ajfa-1507	106	4	submitted	submit	VERB
ajfa-1507	106	5	that	that	SCONJ
ajfa-1507	106	6	where	where	SCONJ
ajfa-1507	106	7	the	the	DET
ajfa-1507	106	8	regulations	regulation	NOUN
ajfa-1507	106	9	attempted	attempt	VERB
ajfa-1507	106	10	to	to	PART
ajfa-1507	106	11	make	make	VERB
ajfa-1507	106	12	it	it	PRON
ajfa-1507	106	13	easier	easy	ADJ
ajfa-1507	106	14	for	for	ADP
ajfa-1507	106	15	market	market	NOUN
ajfa-1507	106	16	entry	entry	NOUN
ajfa-1507	106	17	it	it	PRON
ajfa-1507	106	18	also	also	ADV
ajfa-1507	106	19	brought	bring	VERB
ajfa-1507	106	20	about	about	ADP
ajfa-1507	106	21	concentration	concentration	NOUN
ajfa-1507	106	22	and	and	CCONJ
ajfa-1507	106	23	in	in	ADP
ajfa-1507	106	24	all	all	DET
ajfa-1507	106	25	the	the	DET
ajfa-1507	106	26	european	european	ADJ
ajfa-1507	106	27	countries	country	NOUN
ajfa-1507	106	28	studied	study	VERB
ajfa-1507	106	29	this	this	PRON
ajfa-1507	106	30	was	be	AUX
ajfa-1507	106	31	fairly	fairly	ADV
ajfa-1507	106	32	consistent	consistent	ADJ
ajfa-1507	106	33	as	as	ADP
ajfa-1507	106	34	deregulation	deregulation	NOUN
ajfa-1507	106	35	brought	bring	VERB
ajfa-1507	106	36	on	on	ADP
ajfa-1507	106	37	waves	wave	NOUN
ajfa-1507	106	38	of	of	ADP
ajfa-1507	106	39	consolidation	consolidation	NOUN
ajfa-1507	106	40	and	and	CCONJ
ajfa-1507	106	41	mergers	merger	NOUN
ajfa-1507	106	42	between	between	ADP
ajfa-1507	106	43	financial	financial	ADJ
ajfa-1507	106	44	institutions	institution	NOUN
ajfa-1507	106	45	.	.	PUNCT
ajfa-1507	107	1	they	they	PRON
ajfa-1507	107	2	concluded	conclude	VERB
ajfa-1507	107	3	that	that	SCONJ
ajfa-1507	107	4	“	"	PUNCT
ajfa-1507	107	5	the	the	DET
ajfa-1507	107	6	relationship	relationship	NOUN
ajfa-1507	107	7	between	between	ADP
ajfa-1507	107	8	competition	competition	NOUN
ajfa-1507	107	9	and	and	CCONJ
ajfa-1507	107	10	efficiency	efficiency	NOUN
ajfa-1507	107	11	is	be	AUX
ajfa-1507	107	12	not	not	PART
ajfa-1507	107	13	a	a	DET
ajfa-1507	107	14	straightforward	straightforward	ADJ
ajfa-1507	107	15	one	one	NOUN
ajfa-1507	107	16	:	:	PUNCT
ajfa-1507	107	17	increased	increase	VERB
ajfa-1507	107	18	competition	competition	NOUN
ajfa-1507	107	19	has	have	AUX
ajfa-1507	107	20	forced	force	VERB
ajfa-1507	107	21	banks	bank	NOUN
ajfa-1507	107	22	to	to	PART
ajfa-1507	107	23	become	become	VERB
ajfa-1507	107	24	more	more	ADV
ajfa-1507	107	25	efficient	efficient	ADJ
ajfa-1507	107	26	but	but	CCONJ
ajfa-1507	107	27	increased	increase	VERB
ajfa-1507	107	28	efficiency	efficiency	NOUN
ajfa-1507	107	29	is	be	AUX
ajfa-1507	107	30	not	not	PART
ajfa-1507	107	31	resulting	result	VERB
ajfa-1507	107	32	in	in	ADP
ajfa-1507	107	33	more	more	ADV
ajfa-1507	107	34	competitive	competitive	ADJ
ajfa-1507	107	35	eu	eu	PROPN
ajfa-1507	107	36	banking	banking	NOUN
ajfa-1507	107	37	systems	system	NOUN
ajfa-1507	107	38	.	.	PUNCT
ajfa-1507	107	39	”	"	PUNCT
ajfa-1507	108	1	it	it	PRON
ajfa-1507	108	2	appears	appear	VERB
ajfa-1507	108	3	that	that	SCONJ
ajfa-1507	108	4	more	more	ADJ
ajfa-1507	108	5	than	than	ADP
ajfa-1507	108	6	one	one	NUM
ajfa-1507	108	7	team	team	NOUN
ajfa-1507	108	8	of	of	ADP
ajfa-1507	108	9	academicians	academician	NOUN
ajfa-1507	108	10	are	be	AUX
ajfa-1507	108	11	agreeable	agreeable	ADJ
ajfa-1507	108	12	with	with	ADP
ajfa-1507	108	13	regards	regard	NOUN
ajfa-1507	108	14	to	to	ADP
ajfa-1507	108	15	private	private	ADJ
ajfa-1507	108	16	monitoring	monitoring	NOUN
ajfa-1507	108	17	of	of	ADP
ajfa-1507	108	18	banks	bank	NOUN
ajfa-1507	108	19	,	,	PUNCT
ajfa-1507	108	20	hence	hence	ADV
ajfa-1507	108	21	it	it	PRON
ajfa-1507	108	22	does	do	AUX
ajfa-1507	108	23	not	not	PART
ajfa-1507	108	24	appear	appear	VERB
ajfa-1507	108	25	to	to	PART
ajfa-1507	108	26	be	be	AUX
ajfa-1507	108	27	a	a	DET
ajfa-1507	108	28	largely	largely	ADV
ajfa-1507	108	29	american	american	ADJ
ajfa-1507	108	30	school	school	NOUN
ajfa-1507	108	31	of	of	ADP
ajfa-1507	108	32	thought	thought	NOUN
ajfa-1507	108	33	or	or	CCONJ
ajfa-1507	108	34	one	one	NUM
ajfa-1507	108	35	that	that	PRON
ajfa-1507	108	36	is	be	AUX
ajfa-1507	108	37	primarily	primarily	ADV
ajfa-1507	108	38	propagated	propagate	VERB
ajfa-1507	108	39	by	by	ADP
ajfa-1507	108	40	american	american	PROPN
ajfa-1507	108	41	based	base	VERB
ajfa-1507	108	42	institutions	institution	NOUN
ajfa-1507	108	43	,	,	PUNCT
ajfa-1507	108	44	even	even	ADV
ajfa-1507	108	45	in	in	ADP
ajfa-1507	108	46	britain	britain	PROPN
ajfa-1507	108	47	and	and	CCONJ
ajfa-1507	108	48	continental	continental	PROPN
ajfa-1507	108	49	europe	europe	PROPN
ajfa-1507	108	50	there	there	PRON
ajfa-1507	108	51	appears	appear	VERB
ajfa-1507	108	52	to	to	PART
ajfa-1507	108	53	be	be	AUX
ajfa-1507	108	54	broad	broad	ADJ
ajfa-1507	108	55	support	support	NOUN
ajfa-1507	108	56	for	for	ADP
ajfa-1507	108	57	this	this	DET
ajfa-1507	108	58	issue	issue	NOUN
ajfa-1507	108	59	.	.	PUNCT
ajfa-1507	109	1	according	accord	VERB
ajfa-1507	109	2	to	to	ADP
ajfa-1507	109	3	delis	deli	NOUN
ajfa-1507	109	4	,	,	PUNCT
ajfa-1507	109	5	molyneux	molyneux	PROPN
ajfa-1507	109	6	&	&	CCONJ
ajfa-1507	109	7	pasiouras	pasiouras	PROPN
ajfa-1507	109	8	(	(	PUNCT
ajfa-1507	109	9	2009	2009	NUM
ajfa-1507	109	10	)	)	PUNCT
ajfa-1507	109	11	,	,	PUNCT
ajfa-1507	109	12	there	there	PRON
ajfa-1507	109	13	is	be	VERB
ajfa-1507	109	14	an	an	DET
ajfa-1507	109	15	indication	indication	NOUN
ajfa-1507	109	16	that	that	SCONJ
ajfa-1507	109	17	regulations	regulation	NOUN
ajfa-1507	109	18	and	and	CCONJ
ajfa-1507	109	19	incentives	incentive	NOUN
ajfa-1507	109	20	that	that	PRON
ajfa-1507	109	21	promote	promote	VERB
ajfa-1507	109	22	private	private	ADJ
ajfa-1507	109	23	monitoring	monitoring	NOUN
ajfa-1507	109	24	have	have	AUX
ajfa-1507	109	25	a	a	DET
ajfa-1507	109	26	positive	positive	ADJ
ajfa-1507	109	27	impact	impact	NOUN
ajfa-1507	109	28	on	on	ADP
ajfa-1507	109	29	productivity	productivity	NOUN
ajfa-1507	109	30	even	even	ADV
ajfa-1507	109	31	where	where	SCONJ
ajfa-1507	109	32	they	they	PRON
ajfa-1507	109	33	utilized	utilize	VERB
ajfa-1507	109	34	data	datum	NOUN
ajfa-1507	109	35	and	and	CCONJ
ajfa-1507	109	36	regression	regression	VERB
ajfa-1507	109	37	analysis	analysis	NOUN
ajfa-1507	109	38	that	that	PRON
ajfa-1507	109	39	is	be	AUX
ajfa-1507	109	40	different	different	ADJ
ajfa-1507	109	41	from	from	ADP
ajfa-1507	109	42	the	the	DET
ajfa-1507	109	43	others	other	NOUN
ajfa-1507	109	44	.	.	PUNCT
ajfa-1507	110	1	in	in	ADP
ajfa-1507	110	2	their	their	PRON
ajfa-1507	110	3	study	study	NOUN
ajfa-1507	110	4	of	of	ADP
ajfa-1507	110	5	banks	bank	NOUN
ajfa-1507	110	6	,	,	PUNCT
ajfa-1507	110	7	basel	basel	PROPN
ajfa-1507	110	8	ii	ii	PROPN
ajfa-1507	110	9	,	,	PUNCT
ajfa-1507	110	10	productivity	productivity	NOUN
ajfa-1507	110	11	and	and	CCONJ
ajfa-1507	110	12	regulations	regulation	NOUN
ajfa-1507	110	13	,	,	PUNCT
ajfa-1507	110	14	they	they	PRON
ajfa-1507	110	15	concluded	conclude	VERB
ajfa-1507	110	16	that	that	SCONJ
ajfa-1507	110	17	there	there	PRON
ajfa-1507	110	18	is	be	VERB
ajfa-1507	110	19	an	an	DET
ajfa-1507	110	20	overall	overall	ADJ
ajfa-1507	110	21	call	call	NOUN
ajfa-1507	110	22	by	by	ADP
ajfa-1507	110	23	many	many	ADJ
ajfa-1507	110	24	international	international	ADJ
ajfa-1507	110	25	organizations	organization	NOUN
ajfa-1507	110	26	and	and	CCONJ
ajfa-1507	110	27	governmental	governmental	ADJ
ajfa-1507	110	28	bodies	body	NOUN
ajfa-1507	110	29	to	to	PART
ajfa-1507	110	30	implement	implement	VERB
ajfa-1507	110	31	a	a	DET
ajfa-1507	110	32	regulatory	regulatory	ADJ
ajfa-1507	110	33	and	and	CCONJ
ajfa-1507	110	34	supervisory	supervisory	ADJ
ajfa-1507	110	35	framework	framework	NOUN
ajfa-1507	110	36	that	that	PRON
ajfa-1507	110	37	consist	consist	VERB
ajfa-1507	110	38	of	of	ADP
ajfa-1507	110	39	stringent	stringent	ADJ
ajfa-1507	110	40	capital	capital	NOUN
ajfa-1507	110	41	requirements	requirement	NOUN
ajfa-1507	110	42	,	,	PUNCT
ajfa-1507	110	43	tighter	tight	ADJ
ajfa-1507	110	44	supervisory	supervisory	ADJ
ajfa-1507	110	45	controls	control	NOUN
ajfa-1507	110	46	and	and	CCONJ
ajfa-1507	110	47	an	an	DET
ajfa-1507	110	48	empowered	empower	VERB
ajfa-1507	110	49	monitoring	monitoring	NOUN
ajfa-1507	110	50	by	by	ADP
ajfa-1507	110	51	the	the	DET
ajfa-1507	110	52	private	private	ADJ
ajfa-1507	110	53	sector	sector	NOUN
ajfa-1507	110	54	there	there	PRON
ajfa-1507	110	55	are	be	VERB
ajfa-1507	110	56	little	little	ADJ
ajfa-1507	110	57	consensus	consensus	NOUN
ajfa-1507	110	58	in	in	ADP
ajfa-1507	110	59	regard	regard	NOUN
ajfa-1507	110	60	to	to	ADP
ajfa-1507	110	61	which	which	PRON
ajfa-1507	110	62	would	would	AUX
ajfa-1507	110	63	work	work	VERB
ajfa-1507	110	64	best	well	ADV
ajfa-1507	110	65	,	,	PUNCT
ajfa-1507	110	66	it	it	PRON
ajfa-1507	110	67	is	be	AUX
ajfa-1507	110	68	arguable	arguable	ADJ
ajfa-1507	110	69	that	that	SCONJ
ajfa-1507	110	70	different	different	ADJ
ajfa-1507	110	71	countries	country	NOUN
ajfa-1507	110	72	may	may	AUX
ajfa-1507	110	73	require	require	VERB
ajfa-1507	110	74	different	different	ADJ
ajfa-1507	110	75	types	type	NOUN
ajfa-1507	110	76	of	of	ADP
ajfa-1507	110	77	frameworks	framework	NOUN
ajfa-1507	110	78	and	and	CCONJ
ajfa-1507	110	79	there	there	PRON
ajfa-1507	110	80	is	be	VERB
ajfa-1507	110	81	no	no	DET
ajfa-1507	110	82	one	one	NUM
ajfa-1507	110	83	size	size	NOUN
ajfa-1507	110	84	fits	fit	VERB
ajfa-1507	110	85	all	all	DET
ajfa-1507	110	86	system	system	NOUN
ajfa-1507	110	87	often	often	ADV
ajfa-1507	110	88	pushed	push	VERB
ajfa-1507	110	89	on	on	ADP
ajfa-1507	110	90	by	by	ADP
ajfa-1507	110	91	american	american	ADJ
ajfa-1507	110	92	academics	academic	NOUN
ajfa-1507	110	93	or	or	CCONJ
ajfa-1507	110	94	policy	policy	NOUN
ajfa-1507	110	95	makers	maker	NOUN
ajfa-1507	110	96	.	.	PUNCT
ajfa-1507	111	1	it	it	PRON
ajfa-1507	111	2	has	have	AUX
ajfa-1507	111	3	been	be	AUX
ajfa-1507	111	4	the	the	DET
ajfa-1507	111	5	case	case	NOUN
ajfa-1507	111	6	that	that	SCONJ
ajfa-1507	111	7	only	only	ADV
ajfa-1507	111	8	in	in	ADP
ajfa-1507	111	9	recent	recent	ADJ
ajfa-1507	111	10	years	year	NOUN
ajfa-1507	111	11	there	there	PRON
ajfa-1507	111	12	have	have	AUX
ajfa-1507	111	13	been	be	AUX
ajfa-1507	111	14	more	more	ADJ
ajfa-1507	111	15	cross	cross	ADJ
ajfa-1507	111	16	country	country	NOUN
ajfa-1507	111	17	studies	study	NOUN
ajfa-1507	111	18	and	and	CCONJ
ajfa-1507	111	19	usually	usually	ADV
ajfa-1507	111	20	it	it	PRON
ajfa-1507	111	21	is	be	AUX
ajfa-1507	111	22	not	not	PART
ajfa-1507	111	23	significantly	significantly	ADV
ajfa-1507	111	24	different	different	ADJ
ajfa-1507	111	25	in	in	ADP
ajfa-1507	111	26	systems	system	NOUN
ajfa-1507	111	27	or	or	CCONJ
ajfa-1507	111	28	wealth	wealth	NOUN
ajfa-1507	111	29	levels	level	NOUN
ajfa-1507	111	30	.	.	PUNCT
ajfa-1507	112	1	in	in	ADP
ajfa-1507	112	2	a	a	DET
ajfa-1507	112	3	contrasting	contrast	VERB
ajfa-1507	112	4	method	method	NOUN
ajfa-1507	112	5	of	of	ADP
ajfa-1507	112	6	measuring	measure	VERB
ajfa-1507	112	7	efficiency	efficiency	NOUN
ajfa-1507	112	8	of	of	ADP
ajfa-1507	112	9	the	the	DET
ajfa-1507	112	10	banking	banking	NOUN
ajfa-1507	112	11	system	system	NOUN
ajfa-1507	112	12	,	,	PUNCT
ajfa-1507	112	13	pasiouras	pasioura	NOUN
ajfa-1507	112	14	,	,	PUNCT
ajfa-1507	112	15	tanna	tanna	PROPN
ajfa-1507	112	16	&	&	CCONJ
ajfa-1507	112	17	zopounidis	zopounidis	PROPN
ajfa-1507	112	18	(	(	PUNCT
ajfa-1507	112	19	2009	2009	NUM
ajfa-1507	112	20	)	)	PUNCT
ajfa-1507	112	21	focussed	focusse	VERB
ajfa-1507	112	22	on	on	ADP
ajfa-1507	112	23	the	the	DET
ajfa-1507	112	24	role	role	NOUN
ajfa-1507	112	25	of	of	ADP
ajfa-1507	112	26	regulatory	regulatory	ADJ
ajfa-1507	112	27	and	and	CCONJ
ajfa-1507	112	28	supervisory	supervisory	ADJ
ajfa-1507	112	29	framework	framework	NOUN
ajfa-1507	112	30	and	and	CCONJ
ajfa-1507	112	31	their	their	PRON
ajfa-1507	112	32	impact	impact	NOUN
ajfa-1507	112	33	on	on	ADP
ajfa-1507	112	34	banking	banking	NOUN
ajfa-1507	112	35	efficiency	efficiency	NOUN
ajfa-1507	112	36	utilizing	utilize	VERB
ajfa-1507	112	37	a	a	DET
ajfa-1507	112	38	stochastic	stochastic	ADJ
ajfa-1507	112	39	frontier	frontier	NOUN
ajfa-1507	112	40	analysis	analysis	NOUN
ajfa-1507	112	41	.	.	PUNCT
ajfa-1507	113	1	again	again	ADV
ajfa-1507	113	2	it	it	PRON
ajfa-1507	113	3	used	use	VERB
ajfa-1507	113	4	a	a	DET
ajfa-1507	113	5	fairly	fairly	ADV
ajfa-1507	113	6	large	large	ADJ
ajfa-1507	113	7	dataset	dataset	NOUN
ajfa-1507	113	8	with	with	ADP
ajfa-1507	113	9	studies	study	NOUN
ajfa-1507	113	10	in	in	ADP
ajfa-1507	113	11	74	74	NUM
ajfa-1507	113	12	countries	country	NOUN
ajfa-1507	113	13	.	.	PUNCT
ajfa-1507	114	1	their	their	PRON
ajfa-1507	114	2	main	main	ADJ
ajfa-1507	114	3	area	area	NOUN
ajfa-1507	114	4	of	of	ADP
ajfa-1507	114	5	research	research	NOUN
ajfa-1507	114	6	was	be	AUX
ajfa-1507	114	7	the	the	DET
ajfa-1507	114	8	effect	effect	NOUN
ajfa-1507	114	9	of	of	ADP
ajfa-1507	114	10	the	the	DET
ajfa-1507	114	11	regulations	regulation	NOUN
ajfa-1507	114	12	called	call	VERB
ajfa-1507	114	13	upon	upon	SCONJ
ajfa-1507	114	14	by	by	ADP
ajfa-1507	114	15	the	the	DET
ajfa-1507	114	16	three	three	NUM
ajfa-1507	114	17	pillars	pillar	NOUN
ajfa-1507	114	18	of	of	ADP
ajfa-1507	114	19	basel	basel	PROPN
ajfa-1507	114	20	ii	ii	PROPN
ajfa-1507	114	21	.	.	PUNCT
ajfa-1507	115	1	their	their	PRON
ajfa-1507	115	2	findings	finding	NOUN
ajfa-1507	115	3	point	point	VERB
ajfa-1507	115	4	towards	towards	ADP
ajfa-1507	115	5	that	that	PRON
ajfa-1507	115	6	cost	cost	VERB
ajfa-1507	115	7	efficient	efficient	ADJ
ajfa-1507	115	8	banks	bank	NOUN
ajfa-1507	115	9	are	be	AUX
ajfa-1507	115	10	not	not	PART
ajfa-1507	115	11	necessarily	necessarily	ADV
ajfa-1507	115	12	efficient	efficient	ADJ
ajfa-1507	115	13	in	in	ADP
ajfa-1507	115	14	generating	generate	VERB
ajfa-1507	115	15	profits	profit	NOUN
ajfa-1507	115	16	.	.	PUNCT
ajfa-1507	116	1	cost	cost	NOUN
ajfa-1507	116	2	and	and	CCONJ
ajfa-1507	116	3	profit	profit	NOUN
ajfa-1507	116	4	efficiencies	efficiency	NOUN
ajfa-1507	116	5	were	be	AUX
ajfa-1507	116	6	significantly	significantly	ADV
ajfa-1507	116	7	affected	affect	VERB
ajfa-1507	116	8	in	in	ADP
ajfa-1507	116	9	a	a	DET
ajfa-1507	116	10	positive	positive	ADJ
ajfa-1507	116	11	manner	manner	NOUN
ajfa-1507	116	12	where	where	SCONJ
ajfa-1507	116	13	there	there	PRON
ajfa-1507	116	14	were	be	VERB
ajfa-1507	116	15	requirements	requirement	NOUN
ajfa-1507	116	16	for	for	ADP
ajfa-1507	116	17	disclosure	disclosure	NOUN
ajfa-1507	116	18	of	of	ADP
ajfa-1507	116	19	information	information	NOUN
ajfa-1507	116	20	,	,	PUNCT
ajfa-1507	116	21	however	however	ADV
ajfa-1507	116	22	the	the	DET
ajfa-1507	116	23	reverse	reverse	NOUN
ajfa-1507	116	24	was	be	AUX
ajfa-1507	116	25	true	true	ADJ
ajfa-1507	116	26	where	where	SCONJ
ajfa-1507	116	27	there	there	PRON
ajfa-1507	116	28	were	be	VERB
ajfa-1507	116	29	highly	highly	ADV
ajfa-1507	116	30	powerful	powerful	ADJ
ajfa-1507	116	31	supervisory	supervisory	ADJ
ajfa-1507	116	32	frameworks	framework	NOUN
ajfa-1507	116	33	in	in	ADP
ajfa-1507	116	34	place	place	NOUN
ajfa-1507	116	35	,	,	PUNCT
ajfa-1507	116	36	and	and	CCONJ
ajfa-1507	116	37	hence	hence	ADV
ajfa-1507	116	38	the	the	DET
ajfa-1507	116	39	two	two	NUM
ajfa-1507	116	40	are	be	AUX
ajfa-1507	116	41	not	not	PART
ajfa-1507	116	42	mutually	mutually	ADV
ajfa-1507	116	43	exclusive	exclusive	ADJ
ajfa-1507	116	44	.	.	PUNCT
ajfa-1507	117	1	their	their	PRON
ajfa-1507	117	2	submission	submission	NOUN
ajfa-1507	117	3	in	in	ADP
ajfa-1507	117	4	regard	regard	NOUN
ajfa-1507	117	5	to	to	ADP
ajfa-1507	117	6	regulating	regulate	VERB
ajfa-1507	117	7	banks	bank	NOUN
ajfa-1507	117	8	is	be	AUX
ajfa-1507	117	9	in	in	ADP
ajfa-1507	117	10	order	order	NOUN
ajfa-1507	117	11	for	for	SCONJ
ajfa-1507	117	12	it	it	PRON
ajfa-1507	117	13	to	to	PART
ajfa-1507	117	14	be	be	AUX
ajfa-1507	117	15	done	do	VERB
ajfa-1507	117	16	effectively	effectively	ADV
ajfa-1507	117	17	then	then	ADV
ajfa-1507	117	18	account	account	VERB
ajfa-1507	117	19	needs	need	VERB
ajfa-1507	117	20	to	to	PART
ajfa-1507	117	21	be	be	AUX
ajfa-1507	117	22	taken	take	VERB
ajfa-1507	117	23	among	among	ADP
ajfa-1507	117	24	competition	competition	NOUN
ajfa-1507	117	25	,	,	PUNCT
ajfa-1507	117	26	efficiency	efficiency	NOUN
ajfa-1507	117	27	and	and	CCONJ
ajfa-1507	117	28	financial	financial	ADJ
ajfa-1507	117	29	stability	stability	NOUN
ajfa-1507	117	30	,	,	PUNCT
ajfa-1507	117	31	this	this	PRON
ajfa-1507	117	32	is	be	AUX
ajfa-1507	117	33	especially	especially	ADV
ajfa-1507	117	34	so	so	ADV
ajfa-1507	117	35	due	due	ADJ
ajfa-1507	117	36	to	to	ADP
ajfa-1507	117	37	the	the	DET
ajfa-1507	117	38	effects	effect	NOUN
ajfa-1507	117	39	that	that	SCONJ
ajfa-1507	117	40	an	an	DET
ajfa-1507	117	41	improper	improper	ADJ
ajfa-1507	117	42	and	and	CCONJ
ajfa-1507	117	43	dysfunctional	dysfunctional	ADJ
ajfa-1507	117	44	banking	banking	NOUN
ajfa-1507	117	45	system	system	NOUN
ajfa-1507	117	46	could	could	AUX
ajfa-1507	117	47	do	do	VERB
ajfa-1507	117	48	to	to	ADP
ajfa-1507	117	49	an	an	DET
ajfa-1507	117	50	economy	economy	NOUN
ajfa-1507	117	51	of	of	ADP
ajfa-1507	117	52	a	a	DET
ajfa-1507	117	53	nation	nation	NOUN
ajfa-1507	117	54	as	as	SCONJ
ajfa-1507	117	55	evidenced	evidence	VERB
ajfa-1507	117	56	by	by	ADP
ajfa-1507	117	57	the	the	DET
ajfa-1507	117	58	numerous	numerous	ADJ
ajfa-1507	117	59	financial	financial	ADJ
ajfa-1507	117	60	crisis	crisis	NOUN
ajfa-1507	117	61	that	that	PRON
ajfa-1507	117	62	occurred	occur	VERB
ajfa-1507	117	63	as	as	ADP
ajfa-1507	117	64	a	a	DET
ajfa-1507	117	65	result	result	NOUN
ajfa-1507	117	66	in	in	ADP
ajfa-1507	117	67	the	the	DET
ajfa-1507	117	68	20th	20th	ADJ
ajfa-1507	117	69	century	century	NOUN
ajfa-1507	117	70	that	that	PRON
ajfa-1507	117	71	as	as	ADV
ajfa-1507	117	72	infrequent	infrequent	ADJ
ajfa-1507	117	73	as	as	SCONJ
ajfa-1507	117	74	they	they	PRON
ajfa-1507	117	75	were	be	AUX
ajfa-1507	117	76	the	the	DET
ajfa-1507	117	77	damage	damage	NOUN
ajfa-1507	117	78	they	they	PRON
ajfa-1507	117	79	did	do	AUX
ajfa-1507	117	80	often	often	ADV
ajfa-1507	117	81	eclipsed	eclipse	VERB
ajfa-1507	117	82	those	those	PRON
ajfa-1507	117	83	of	of	ADP
ajfa-1507	117	84	many	many	ADJ
ajfa-1507	117	85	natural	natural	ADJ
ajfa-1507	117	86	disasters	disaster	NOUN
ajfa-1507	117	87	.	.	PUNCT
ajfa-1507	118	1	overall	overall	ADJ
ajfa-1507	118	2	the	the	DET
ajfa-1507	118	3	literature	literature	NOUN
ajfa-1507	118	4	review	review	NOUN
ajfa-1507	118	5	can	can	AUX
ajfa-1507	118	6	be	be	AUX
ajfa-1507	118	7	summed	sum	VERB
ajfa-1507	118	8	up	up	ADP
ajfa-1507	118	9	that	that	SCONJ
ajfa-1507	118	10	most	most	ADJ
ajfa-1507	118	11	academicians	academician	NOUN
ajfa-1507	118	12	submit	submit	VERB
ajfa-1507	118	13	that	that	SCONJ
ajfa-1507	118	14	bank	bank	NOUN
ajfa-1507	118	15	regulations	regulation	NOUN
ajfa-1507	118	16	and	and	CCONJ
ajfa-1507	118	17	supervision	supervision	NOUN
ajfa-1507	118	18	does	do	AUX
ajfa-1507	118	19	have	have	VERB
ajfa-1507	118	20	an	an	DET
ajfa-1507	118	21	impact	impact	NOUN
ajfa-1507	118	22	with	with	ADP
ajfa-1507	118	23	regards	regard	NOUN
ajfa-1507	118	24	to	to	ADP
ajfa-1507	118	25	bank	bank	NOUN
ajfa-1507	118	26	efficiency	efficiency	NOUN
ajfa-1507	118	27	and	and	CCONJ
ajfa-1507	118	28	risk	risk	NOUN
ajfa-1507	118	29	asian	asian	ADJ
ajfa-1507	118	30	journal	journal	NOUN
ajfa-1507	118	31	of	of	ADP
ajfa-1507	118	32	finance	finance	PROPN
ajfa-1507	118	33	&	&	CCONJ
ajfa-1507	118	34	accounting	accounting	PROPN
ajfa-1507	118	35	issn	issn	PROPN
ajfa-1507	118	36	1946	1946	NUM
ajfa-1507	118	37	-	-	PUNCT
ajfa-1507	118	38	052x	052x	NOUN
ajfa-1507	118	39	2012	2012	NUM
ajfa-1507	118	40	,	,	PUNCT
ajfa-1507	118	41	vol	vol	NOUN
ajfa-1507	118	42	.	.	PROPN
ajfa-1507	118	43	4	4	NUM
ajfa-1507	118	44	,	,	PUNCT
ajfa-1507	118	45	no	no	INTJ
ajfa-1507	118	46	.	.	NOUN
ajfa-1507	118	47	1	1	NUM
ajfa-1507	118	48	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	118	49	223	223	NUM
ajfa-1507	118	50	taking	taking	NOUN
ajfa-1507	118	51	.	.	PUNCT
ajfa-1507	119	1	much	much	ADJ
ajfa-1507	119	2	of	of	ADP
ajfa-1507	119	3	the	the	DET
ajfa-1507	119	4	literature	literature	NOUN
ajfa-1507	119	5	has	have	AUX
ajfa-1507	119	6	also	also	ADV
ajfa-1507	119	7	called	call	VERB
ajfa-1507	119	8	on	on	ADP
ajfa-1507	119	9	policy	policy	NOUN
ajfa-1507	119	10	makers	maker	NOUN
ajfa-1507	119	11	to	to	PART
ajfa-1507	119	12	maintain	maintain	VERB
ajfa-1507	119	13	deregulations	deregulation	NOUN
ajfa-1507	119	14	and	and	CCONJ
ajfa-1507	119	15	allow	allow	VERB
ajfa-1507	119	16	banks	bank	NOUN
ajfa-1507	119	17	to	to	AUX
ajfa-1507	119	18	self	self	NOUN
ajfa-1507	119	19	-	-	PUNCT
ajfa-1507	119	20	regulate	regulate	VERB
ajfa-1507	119	21	themselves	themselves	PRON
ajfa-1507	119	22	.	.	PUNCT
ajfa-1507	120	1	it	it	PRON
ajfa-1507	120	2	is	be	AUX
ajfa-1507	120	3	a	a	DET
ajfa-1507	120	4	difficult	difficult	ADJ
ajfa-1507	120	5	to	to	PART
ajfa-1507	120	6	evaluate	evaluate	VERB
ajfa-1507	120	7	whether	whether	SCONJ
ajfa-1507	120	8	much	much	ADJ
ajfa-1507	120	9	of	of	ADP
ajfa-1507	120	10	the	the	DET
ajfa-1507	120	11	academicians	academician	NOUN
ajfa-1507	120	12	submit	submit	VERB
ajfa-1507	120	13	that	that	SCONJ
ajfa-1507	120	14	due	due	ADP
ajfa-1507	120	15	to	to	ADP
ajfa-1507	120	16	conviction	conviction	NOUN
ajfa-1507	120	17	of	of	ADP
ajfa-1507	120	18	the	the	DET
ajfa-1507	120	19	free	free	ADJ
ajfa-1507	120	20	market	market	NOUN
ajfa-1507	120	21	system	system	NOUN
ajfa-1507	120	22	or	or	CCONJ
ajfa-1507	120	23	is	be	AUX
ajfa-1507	120	24	it	it	PRON
ajfa-1507	120	25	genuinely	genuinely	ADV
ajfa-1507	120	26	the	the	DET
ajfa-1507	120	27	case	case	NOUN
ajfa-1507	120	28	.	.	PUNCT
ajfa-1507	121	1	often	often	ADV
ajfa-1507	121	2	these	these	DET
ajfa-1507	121	3	academics	academic	NOUN
ajfa-1507	121	4	come	come	VERB
ajfa-1507	121	5	from	from	ADP
ajfa-1507	121	6	countries	country	NOUN
ajfa-1507	121	7	where	where	SCONJ
ajfa-1507	121	8	there	there	PRON
ajfa-1507	121	9	are	be	VERB
ajfa-1507	121	10	legal	legal	ADJ
ajfa-1507	121	11	systems	system	NOUN
ajfa-1507	121	12	that	that	PRON
ajfa-1507	121	13	could	could	AUX
ajfa-1507	121	14	be	be	AUX
ajfa-1507	121	15	considered	consider	VERB
ajfa-1507	121	16	to	to	PART
ajfa-1507	121	17	be	be	AUX
ajfa-1507	121	18	among	among	ADP
ajfa-1507	121	19	the	the	DET
ajfa-1507	121	20	most	most	ADV
ajfa-1507	121	21	advanced	advanced	ADJ
ajfa-1507	121	22	in	in	ADP
ajfa-1507	121	23	the	the	DET
ajfa-1507	121	24	world	world	NOUN
ajfa-1507	121	25	and	and	CCONJ
ajfa-1507	121	26	had	have	VERB
ajfa-1507	121	27	general	general	ADJ
ajfa-1507	121	28	high	high	ADJ
ajfa-1507	121	29	standards	standard	NOUN
ajfa-1507	121	30	of	of	ADP
ajfa-1507	121	31	rule	rule	NOUN
ajfa-1507	121	32	of	of	ADP
ajfa-1507	121	33	law	law	NOUN
ajfa-1507	121	34	.	.	PUNCT
ajfa-1507	122	1	however	however	ADV
ajfa-1507	122	2	,	,	PUNCT
ajfa-1507	122	3	the	the	DET
ajfa-1507	122	4	literature	literature	NOUN
ajfa-1507	122	5	submitted	submit	VERB
ajfa-1507	122	6	even	even	ADV
ajfa-1507	122	7	where	where	SCONJ
ajfa-1507	122	8	it	it	PRON
ajfa-1507	122	9	is	be	AUX
ajfa-1507	122	10	done	do	VERB
ajfa-1507	122	11	comparatively	comparatively	ADV
ajfa-1507	122	12	it	it	PRON
ajfa-1507	122	13	does	do	AUX
ajfa-1507	122	14	submit	submit	VERB
ajfa-1507	122	15	that	that	SCONJ
ajfa-1507	122	16	in	in	ADP
ajfa-1507	122	17	most	most	ADJ
ajfa-1507	122	18	cases	case	NOUN
ajfa-1507	122	19	extra	extra	ADJ
ajfa-1507	122	20	regulations	regulation	NOUN
ajfa-1507	122	21	will	will	AUX
ajfa-1507	122	22	have	have	VERB
ajfa-1507	122	23	an	an	DET
ajfa-1507	122	24	impact	impact	NOUN
ajfa-1507	122	25	on	on	ADP
ajfa-1507	122	26	the	the	DET
ajfa-1507	122	27	efficiency	efficiency	NOUN
ajfa-1507	122	28	of	of	ADP
ajfa-1507	122	29	a	a	DET
ajfa-1507	122	30	bank	bank	NOUN
ajfa-1507	122	31	.	.	PUNCT
ajfa-1507	123	1	the	the	DET
ajfa-1507	123	2	level	level	NOUN
ajfa-1507	123	3	of	of	ADP
ajfa-1507	123	4	supervision	supervision	NOUN
ajfa-1507	123	5	in	in	ADP
ajfa-1507	123	6	the	the	DET
ajfa-1507	123	7	financial	financial	ADJ
ajfa-1507	123	8	services	service	NOUN
ajfa-1507	123	9	industry	industry	NOUN
ajfa-1507	123	10	has	have	VERB
ajfa-1507	123	11	a	a	DET
ajfa-1507	123	12	strong	strong	ADJ
ajfa-1507	123	13	and	and	CCONJ
ajfa-1507	123	14	adverse	adverse	ADJ
ajfa-1507	123	15	effect	effect	NOUN
ajfa-1507	123	16	with	with	ADP
ajfa-1507	123	17	regard	regard	NOUN
ajfa-1507	123	18	to	to	ADP
ajfa-1507	123	19	efficiency	efficiency	NOUN
ajfa-1507	123	20	of	of	ADP
ajfa-1507	123	21	a	a	DET
ajfa-1507	123	22	bank	bank	NOUN
ajfa-1507	123	23	,	,	PUNCT
ajfa-1507	123	24	this	this	PRON
ajfa-1507	123	25	is	be	AUX
ajfa-1507	123	26	especially	especially	ADV
ajfa-1507	123	27	so	so	ADV
ajfa-1507	123	28	where	where	SCONJ
ajfa-1507	123	29	the	the	DET
ajfa-1507	123	30	supervisory	supervisory	NOUN
ajfa-1507	123	31	is	be	AUX
ajfa-1507	123	32	a	a	DET
ajfa-1507	123	33	state	state	NOUN
ajfa-1507	123	34	supported	support	VERB
ajfa-1507	123	35	establishment	establishment	NOUN
ajfa-1507	123	36	and	and	CCONJ
ajfa-1507	123	37	has	have	VERB
ajfa-1507	123	38	broad	broad	ADJ
ajfa-1507	123	39	interventionist	interventionist	ADJ
ajfa-1507	123	40	powers	power	NOUN
ajfa-1507	123	41	.	.	PUNCT
ajfa-1507	124	1	an	an	DET
ajfa-1507	124	2	aspect	aspect	NOUN
ajfa-1507	124	3	of	of	ADP
ajfa-1507	124	4	regulations	regulation	NOUN
ajfa-1507	124	5	and	and	CCONJ
ajfa-1507	124	6	supervision	supervision	NOUN
ajfa-1507	124	7	is	be	AUX
ajfa-1507	124	8	where	where	SCONJ
ajfa-1507	124	9	they	they	PRON
ajfa-1507	124	10	come	come	VERB
ajfa-1507	124	11	with	with	ADP
ajfa-1507	124	12	restrictions	restriction	NOUN
ajfa-1507	124	13	.	.	PUNCT
ajfa-1507	125	1	while	while	SCONJ
ajfa-1507	125	2	evidence	evidence	NOUN
ajfa-1507	125	3	tend	tend	VERB
ajfa-1507	125	4	to	to	PART
ajfa-1507	125	5	point	point	VERB
ajfa-1507	125	6	towards	towards	ADP
ajfa-1507	125	7	efficiency	efficiency	NOUN
ajfa-1507	125	8	having	have	VERB
ajfa-1507	125	9	a	a	DET
ajfa-1507	125	10	negative	negative	ADJ
ajfa-1507	125	11	effect	effect	NOUN
ajfa-1507	125	12	where	where	SCONJ
ajfa-1507	125	13	a	a	DET
ajfa-1507	125	14	bank	bank	NOUN
ajfa-1507	125	15	diversifies	diversify	VERB
ajfa-1507	125	16	its	its	PRON
ajfa-1507	125	17	financial	financial	ADJ
ajfa-1507	125	18	type	type	NOUN
ajfa-1507	125	19	activities	activity	NOUN
ajfa-1507	125	20	,	,	PUNCT
ajfa-1507	125	21	it	it	PRON
ajfa-1507	125	22	is	be	AUX
ajfa-1507	125	23	often	often	ADV
ajfa-1507	125	24	the	the	DET
ajfa-1507	125	25	case	case	NOUN
ajfa-1507	125	26	instead	instead	ADV
ajfa-1507	125	27	that	that	SCONJ
ajfa-1507	125	28	where	where	SCONJ
ajfa-1507	125	29	a	a	DET
ajfa-1507	125	30	restrictive	restrictive	ADJ
ajfa-1507	125	31	banking	banking	NOUN
ajfa-1507	125	32	system	system	NOUN
ajfa-1507	125	33	will	will	AUX
ajfa-1507	125	34	in	in	ADP
ajfa-1507	125	35	turn	turn	NOUN
ajfa-1507	125	36	prevent	prevent	VERB
ajfa-1507	125	37	the	the	DET
ajfa-1507	125	38	proper	proper	ADJ
ajfa-1507	125	39	development	development	NOUN
ajfa-1507	125	40	of	of	ADP
ajfa-1507	125	41	the	the	DET
ajfa-1507	125	42	financial	financial	ADJ
ajfa-1507	125	43	services	service	NOUN
ajfa-1507	125	44	industry	industry	NOUN
ajfa-1507	125	45	.	.	PUNCT
ajfa-1507	126	1	this	this	PRON
ajfa-1507	126	2	might	might	AUX
ajfa-1507	126	3	be	be	AUX
ajfa-1507	126	4	where	where	SCONJ
ajfa-1507	126	5	a	a	DET
ajfa-1507	126	6	lot	lot	NOUN
ajfa-1507	126	7	of	of	ADP
ajfa-1507	126	8	developing	develop	VERB
ajfa-1507	126	9	countries	country	NOUN
ajfa-1507	126	10	may	may	AUX
ajfa-1507	126	11	face	face	VERB
ajfa-1507	126	12	hurdles	hurdle	NOUN
ajfa-1507	126	13	and	and	CCONJ
ajfa-1507	126	14	this	this	DET
ajfa-1507	126	15	research	research	NOUN
ajfa-1507	126	16	will	will	AUX
ajfa-1507	126	17	try	try	VERB
ajfa-1507	126	18	to	to	PART
ajfa-1507	126	19	empirically	empirically	ADV
ajfa-1507	126	20	support	support	VERB
ajfa-1507	126	21	this	this	DET
ajfa-1507	126	22	notion	notion	NOUN
ajfa-1507	126	23	.	.	PUNCT
ajfa-1507	127	1	thus	thus	ADV
ajfa-1507	127	2	it	it	PRON
ajfa-1507	127	3	can	can	AUX
ajfa-1507	127	4	be	be	AUX
ajfa-1507	127	5	seen	see	VERB
ajfa-1507	127	6	from	from	ADP
ajfa-1507	127	7	the	the	DET
ajfa-1507	127	8	above	above	ADJ
ajfa-1507	127	9	discussion	discussion	NOUN
ajfa-1507	127	10	that	that	SCONJ
ajfa-1507	127	11	there	there	PRON
ajfa-1507	127	12	seems	seem	VERB
ajfa-1507	127	13	to	to	PART
ajfa-1507	127	14	be	be	AUX
ajfa-1507	127	15	no	no	DET
ajfa-1507	127	16	study	study	NOUN
ajfa-1507	127	17	which	which	PRON
ajfa-1507	127	18	focussed	focusse	VERB
ajfa-1507	127	19	on	on	ADP
ajfa-1507	127	20	regulation	regulation	NOUN
ajfa-1507	127	21	and	and	CCONJ
ajfa-1507	127	22	supervisory	supervisory	ADJ
ajfa-1507	127	23	impact	impact	NOUN
ajfa-1507	127	24	on	on	ADP
ajfa-1507	127	25	bank	bank	NOUN
ajfa-1507	127	26	efficiency	efficiency	NOUN
ajfa-1507	127	27	and	and	CCONJ
ajfa-1507	127	28	risk	risk	NOUN
ajfa-1507	127	29	taking	take	VERB
ajfa-1507	127	30	in	in	ADP
ajfa-1507	127	31	dual	dual	ADJ
ajfa-1507	127	32	banking	banking	NOUN
ajfa-1507	127	33	system	system	NOUN
ajfa-1507	127	34	and	and	CCONJ
ajfa-1507	127	35	only	only	ADV
ajfa-1507	127	36	handful	handful	NOUN
ajfa-1507	127	37	of	of	ADP
ajfa-1507	127	38	studies	study	NOUN
ajfa-1507	127	39	focussed	focusse	VERB
ajfa-1507	127	40	on	on	ADP
ajfa-1507	127	41	regulation	regulation	NOUN
ajfa-1507	127	42	impact	impact	NOUN
ajfa-1507	127	43	on	on	ADP
ajfa-1507	127	44	bank	bank	NOUN
ajfa-1507	127	45	risk	risk	NOUN
ajfa-1507	127	46	and	and	CCONJ
ajfa-1507	127	47	return	return	NOUN
ajfa-1507	127	48	.	.	PUNCT
ajfa-1507	128	1	the	the	DET
ajfa-1507	128	2	next	next	ADJ
ajfa-1507	128	3	section	section	NOUN
ajfa-1507	128	4	outlines	outline	VERB
ajfa-1507	128	5	the	the	DET
ajfa-1507	128	6	details	detail	NOUN
ajfa-1507	128	7	of	of	ADP
ajfa-1507	128	8	the	the	DET
ajfa-1507	128	9	methodology	methodology	NOUN
ajfa-1507	128	10	and	and	CCONJ
ajfa-1507	128	11	data	datum	NOUN
ajfa-1507	128	12	used	use	VERB
ajfa-1507	128	13	.	.	PUNCT
ajfa-1507	129	1	3	3	X
ajfa-1507	129	2	.	.	X
ajfa-1507	129	3	methodology	methodology	NOUN
ajfa-1507	129	4	3.1	3.1	NUM
ajfa-1507	129	5	efficiency	efficiency	NOUN
ajfa-1507	129	6	estimation	estimation	NOUN
ajfa-1507	129	7	the	the	DET
ajfa-1507	129	8	methodology	methodology	NOUN
ajfa-1507	129	9	employed	employ	VERB
ajfa-1507	129	10	by	by	ADP
ajfa-1507	129	11	this	this	DET
ajfa-1507	129	12	paper	paper	NOUN
ajfa-1507	129	13	is	be	AUX
ajfa-1507	129	14	that	that	PRON
ajfa-1507	129	15	of	of	ADP
ajfa-1507	129	16	a	a	DET
ajfa-1507	129	17	frontier	frontier	NOUN
ajfa-1507	129	18	data	datum	NOUN
ajfa-1507	129	19	envelopment	envelopment	ADJ
ajfa-1507	129	20	analysis	analysis	NOUN
ajfa-1507	129	21	(	(	PUNCT
ajfa-1507	129	22	dea	dea	NOUN
ajfa-1507	129	23	)	)	PUNCT
ajfa-1507	129	24	model	model	NOUN
ajfa-1507	129	25	.	.	PUNCT
ajfa-1507	130	1	the	the	DET
ajfa-1507	130	2	dea	dea	PROPN
ajfa-1507	130	3	model	model	NOUN
ajfa-1507	130	4	of	of	ADP
ajfa-1507	130	5	data	datum	NOUN
ajfa-1507	130	6	analysis	analysis	NOUN
ajfa-1507	130	7	with	with	ADP
ajfa-1507	130	8	regard	regard	NOUN
ajfa-1507	130	9	to	to	ADP
ajfa-1507	130	10	bank	bank	NOUN
ajfa-1507	130	11	efficiency	efficiency	NOUN
ajfa-1507	130	12	has	have	AUX
ajfa-1507	130	13	generally	generally	ADV
ajfa-1507	130	14	been	be	AUX
ajfa-1507	130	15	favoured	favour	VERB
ajfa-1507	130	16	by	by	ADP
ajfa-1507	130	17	most	most	ADJ
ajfa-1507	130	18	academics	academic	NOUN
ajfa-1507	130	19	(	(	PUNCT
ajfa-1507	130	20	berger	berger	PROPN
ajfa-1507	130	21	et	et	PROPN
ajfa-1507	130	22	al	al	PROPN
ajfa-1507	130	23	.	.	PROPN
ajfa-1507	130	24	,	,	PUNCT
ajfa-1507	130	25	1993	1993	NUM
ajfa-1507	130	26	;	;	PUNCT
ajfa-1507	130	27	berger	berger	PROPN
ajfa-1507	130	28	&	&	CCONJ
ajfa-1507	130	29	humphrey	humphrey	PROPN
ajfa-1507	130	30	,	,	PUNCT
ajfa-1507	130	31	1997	1997	NUM
ajfa-1507	130	32	;	;	PUNCT
ajfa-1507	130	33	casu	casu	PROPN
ajfa-1507	130	34	&	&	CCONJ
ajfa-1507	130	35	molyneux	molyneux	PROPN
ajfa-1507	130	36	,	,	PUNCT
ajfa-1507	130	37	2000	2000	NUM
ajfa-1507	130	38	)	)	PUNCT
ajfa-1507	130	39	.	.	PUNCT
ajfa-1507	131	1	despite	despite	SCONJ
ajfa-1507	131	2	criticism	criticism	NOUN
ajfa-1507	131	3	from	from	ADP
ajfa-1507	131	4	some	some	DET
ajfa-1507	131	5	academics	academic	NOUN
ajfa-1507	131	6	(	(	PUNCT
ajfa-1507	131	7	simar	simar	PROPN
ajfa-1507	131	8	&	&	CCONJ
ajfa-1507	131	9	wilson	wilson	PROPN
ajfa-1507	131	10	,	,	PUNCT
ajfa-1507	131	11	2011	2011	NUM
ajfa-1507	131	12	;	;	PUNCT
ajfa-1507	131	13	ramalho	ramalho	PROPN
ajfa-1507	131	14	,	,	PUNCT
ajfa-1507	131	15	ramalho	ramalho	PROPN
ajfa-1507	131	16	&	&	CCONJ
ajfa-1507	131	17	henriques	henrique	NOUN
ajfa-1507	131	18	,	,	PUNCT
ajfa-1507	131	19	2010	2010	NUM
ajfa-1507	131	20	)	)	PUNCT
ajfa-1507	132	1	it	it	PRON
ajfa-1507	132	2	is	be	AUX
ajfa-1507	132	3	generally	generally	ADV
ajfa-1507	132	4	accepted	accept	VERB
ajfa-1507	132	5	by	by	ADP
ajfa-1507	132	6	most	most	ADJ
ajfa-1507	132	7	academics	academic	NOUN
ajfa-1507	132	8	that	that	SCONJ
ajfa-1507	132	9	the	the	DET
ajfa-1507	132	10	dea	dea	PROPN
ajfa-1507	132	11	model	model	NOUN
ajfa-1507	132	12	is	be	AUX
ajfa-1507	132	13	a	a	DET
ajfa-1507	132	14	sound	sound	ADJ
ajfa-1507	132	15	technique	technique	NOUN
ajfa-1507	132	16	for	for	ADP
ajfa-1507	132	17	efficiency	efficiency	NOUN
ajfa-1507	132	18	estimation	estimation	NOUN
ajfa-1507	132	19	.	.	PUNCT
ajfa-1507	133	1	mcdonald	mcdonald	NOUN
ajfa-1507	133	2	(	(	PUNCT
ajfa-1507	133	3	2009	2009	NUM
ajfa-1507	133	4	)	)	PUNCT
ajfa-1507	133	5	examined	examine	VERB
ajfa-1507	133	6	the	the	DET
ajfa-1507	133	7	second	second	ADJ
ajfa-1507	133	8	stage	stage	NOUN
ajfa-1507	133	9	dea	dea	NOUN
ajfa-1507	133	10	efficiency	efficiency	NOUN
ajfa-1507	133	11	analyses	analysis	NOUN
ajfa-1507	133	12	and	and	CCONJ
ajfa-1507	133	13	found	find	VERB
ajfa-1507	133	14	that	that	SCONJ
ajfa-1507	133	15	there	there	PRON
ajfa-1507	133	16	are	be	VERB
ajfa-1507	133	17	good	good	ADJ
ajfa-1507	133	18	arguments	argument	NOUN
ajfa-1507	133	19	for	for	ADP
ajfa-1507	133	20	treating	treat	VERB
ajfa-1507	133	21	dea	dea	NOUN
ajfa-1507	133	22	efficiency	efficiency	NOUN
ajfa-1507	133	23	scores	score	NOUN
ajfa-1507	133	24	as	as	ADP
ajfa-1507	133	25	descriptive	descriptive	ADJ
ajfa-1507	133	26	measures	measure	NOUN
ajfa-1507	133	27	in	in	ADP
ajfa-1507	133	28	a	a	DET
ajfa-1507	133	29	second	second	ADJ
ajfa-1507	133	30	stage	stage	NOUN
ajfa-1507	133	31	analyses	analysis	NOUN
ajfa-1507	133	32	.	.	PUNCT
ajfa-1507	134	1	he	he	PRON
ajfa-1507	134	2	summed	sum	VERB
ajfa-1507	134	3	it	it	PRON
ajfa-1507	134	4	up	up	ADP
ajfa-1507	134	5	that	that	SCONJ
ajfa-1507	134	6	dea	dea	PROPN
ajfa-1507	134	7	method	method	NOUN
ajfa-1507	134	8	was	be	AUX
ajfa-1507	134	9	simply	simply	ADV
ajfa-1507	134	10	the	the	DET
ajfa-1507	134	11	better	well	ADJ
ajfa-1507	134	12	one	one	NOUN
ajfa-1507	134	13	as	as	SCONJ
ajfa-1507	134	14	it	it	PRON
ajfa-1507	134	15	was	be	AUX
ajfa-1507	134	16	relatively	relatively	ADV
ajfa-1507	134	17	simple	simple	ADJ
ajfa-1507	134	18	to	to	AUX
ajfa-1507	134	19	use	use	VERB
ajfa-1507	134	20	and	and	CCONJ
ajfa-1507	134	21	a	a	DET
ajfa-1507	134	22	broad	broad	ADJ
ajfa-1507	134	23	range	range	NOUN
ajfa-1507	134	24	of	of	ADP
ajfa-1507	134	25	people	people	NOUN
ajfa-1507	134	26	could	could	AUX
ajfa-1507	134	27	understand	understand	VERB
ajfa-1507	134	28	its	its	PRON
ajfa-1507	134	29	usage	usage	NOUN
ajfa-1507	134	30	and	and	CCONJ
ajfa-1507	134	31	the	the	DET
ajfa-1507	134	32	idea	idea	NOUN
ajfa-1507	134	33	behind	behind	ADP
ajfa-1507	134	34	it	it	PRON
ajfa-1507	134	35	.	.	PUNCT
ajfa-1507	135	1	in	in	ADP
ajfa-1507	135	2	the	the	DET
ajfa-1507	135	3	generic	generic	ADJ
ajfa-1507	135	4	situation	situation	NOUN
ajfa-1507	135	5	of	of	ADP
ajfa-1507	135	6	n	n	DET
ajfa-1507	135	7	banks	bank	NOUN
ajfa-1507	135	8	,	,	PUNCT
ajfa-1507	135	9	with	with	ADP
ajfa-1507	135	10	each	each	PRON
ajfa-1507	135	11	of	of	ADP
ajfa-1507	135	12	them	they	PRON
ajfa-1507	135	13	consuming	consume	VERB
ajfa-1507	135	14	m	m	VERB
ajfa-1507	135	15	different	different	ADJ
ajfa-1507	135	16	inputs	input	NOUN
ajfa-1507	135	17	to	to	PART
ajfa-1507	135	18	produce	produce	VERB
ajfa-1507	135	19	s	s	VERB
ajfa-1507	135	20	different	different	ADJ
ajfa-1507	135	21	outputs	output	NOUN
ajfa-1507	135	22	and	and	CCONJ
ajfa-1507	135	23	constant	constant	ADJ
ajfa-1507	135	24	returns	return	NOUN
ajfa-1507	135	25	to	to	PART
ajfa-1507	135	26	scale	scale	VERB
ajfa-1507	135	27	,	,	PUNCT
ajfa-1507	135	28	this	this	PRON
ajfa-1507	135	29	translates	translate	VERB
ajfa-1507	135	30	into	into	ADP
ajfa-1507	135	31	the	the	DET
ajfa-1507	135	32	following	follow	VERB
ajfa-1507	135	33	linear	linear	ADJ
ajfa-1507	135	34	programming	programming	NOUN
ajfa-1507	135	35	problem	problem	NOUN
ajfa-1507	135	36	being	be	AUX
ajfa-1507	135	37	solved	solve	VERB
ajfa-1507	135	38	n	n	DET
ajfa-1507	135	39	times	time	NOUN
ajfa-1507	135	40	;	;	PUNCT
ajfa-1507	135	41	each	each	DET
ajfa-1507	135	42	time	time	NOUN
ajfa-1507	135	43	for	for	ADP
ajfa-1507	135	44	a	a	DET
ajfa-1507	135	45	different	different	ADJ
ajfa-1507	135	46	bank	bank	NOUN
ajfa-1507	135	47	in	in	ADP
ajfa-1507	135	48	the	the	DET
ajfa-1507	135	49	sample	sample	NOUN
ajfa-1507	135	50	:	:	PUNCT
ajfa-1507	135	51	asian	asian	ADJ
ajfa-1507	135	52	journal	journal	NOUN
ajfa-1507	135	53	of	of	ADP
ajfa-1507	135	54	finance	finance	PROPN
ajfa-1507	135	55	&	&	CCONJ
ajfa-1507	135	56	accounting	accounting	PROPN
ajfa-1507	135	57	issn	issn	PROPN
ajfa-1507	135	58	1946	1946	NUM
ajfa-1507	135	59	-	-	PUNCT
ajfa-1507	135	60	052x	052x	NOUN
ajfa-1507	135	61	2012	2012	NUM
ajfa-1507	135	62	,	,	PUNCT
ajfa-1507	135	63	vol	vol	NOUN
ajfa-1507	135	64	.	.	PROPN
ajfa-1507	135	65	4	4	NUM
ajfa-1507	135	66	,	,	PUNCT
ajfa-1507	135	67	no	no	INTJ
ajfa-1507	135	68	.	.	NOUN
ajfa-1507	135	69	1	1	NUM
ajfa-1507	135	70	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	135	71	224	224	NUM
ajfa-1507	135	72	where	where	SCONJ
ajfa-1507	135	73	θ	θ	PROPN
ajfa-1507	135	74	is	be	AUX
ajfa-1507	135	75	a	a	DET
ajfa-1507	135	76	scalar	scalar	ADJ
ajfa-1507	135	77	,	,	PUNCT
ajfa-1507	135	78			X
ajfa-1507	135	79	is	be	AUX
ajfa-1507	135	80	a	a	DET
ajfa-1507	135	81	vector	vector	NOUN
ajfa-1507	135	82	of	of	ADP
ajfa-1507	135	83	ones	one	NOUN
ajfa-1507	135	84	and	and	CCONJ
ajfa-1507	135	85	finally	finally	ADV
ajfa-1507	135	86	x	x	PUNCT
ajfa-1507	135	87	and	and	CCONJ
ajfa-1507	135	88	y	y	PROPN
ajfa-1507	135	89	are	be	AUX
ajfa-1507	135	90	the	the	DET
ajfa-1507	135	91	m×	m×	PROPN
ajfa-1507	135	92	n	n	PRON
ajfa-1507	135	93	input	input	NOUN
ajfa-1507	135	94	and	and	CCONJ
ajfa-1507	135	95	s	s	VERB
ajfa-1507	135	96	×	×	NOUN
ajfa-1507	135	97	n	n	PRON
ajfa-1507	136	1	output	output	NOUN
ajfa-1507	136	2	matrices	matrix	NOUN
ajfa-1507	136	3	respectively	respectively	ADV
ajfa-1507	136	4	.	.	PUNCT
ajfa-1507	137	1	in	in	ADP
ajfa-1507	137	2	this	this	DET
ajfa-1507	137	3	context	context	NOUN
ajfa-1507	137	4	θ	θ	PROPN
ajfa-1507	137	5	is	be	AUX
ajfa-1507	137	6	the	the	DET
ajfa-1507	137	7	technical	technical	ADJ
ajfa-1507	137	8	efficiency	efficiency	NOUN
ajfa-1507	137	9	score	score	NOUN
ajfa-1507	137	10	of	of	ADP
ajfa-1507	137	11	each	each	DET
ajfa-1507	137	12	bank	bank	NOUN
ajfa-1507	137	13	and	and	CCONJ
ajfa-1507	137	14	is	be	AUX
ajfa-1507	137	15	measured	measure	VERB
ajfa-1507	137	16	relative	relative	ADJ
ajfa-1507	137	17	to	to	ADP
ajfa-1507	137	18	an	an	DET
ajfa-1507	137	19	estimate	estimate	NOUN
ajfa-1507	137	20	of	of	ADP
ajfa-1507	137	21	the	the	DET
ajfa-1507	137	22	true	true	ADJ
ajfa-1507	137	23	production	production	NOUN
ajfa-1507	137	24	frontier	frontier	NOUN
ajfa-1507	137	25	which	which	PRON
ajfa-1507	137	26	is	be	AUX
ajfa-1507	137	27	known	know	VERB
ajfa-1507	137	28	as	as	ADP
ajfa-1507	137	29	the	the	DET
ajfa-1507	137	30	best	good	ADJ
ajfa-1507	137	31	practice	practice	NOUN
ajfa-1507	137	32	frontier	frontier	NOUN
ajfa-1507	137	33	.	.	PUNCT
ajfa-1507	138	1	when	when	SCONJ
ajfa-1507	138	2	the	the	DET
ajfa-1507	138	3	value	value	NOUN
ajfa-1507	138	4	of	of	ADP
ajfa-1507	138	5	θ	θ	PROPN
ajfa-1507	138	6	is	be	AUX
ajfa-1507	138	7	unity	unity	NOUN
ajfa-1507	138	8	the	the	DET
ajfa-1507	138	9	bank	bank	NOUN
ajfa-1507	138	10	operates	operate	VERB
ajfa-1507	138	11	on	on	ADP
ajfa-1507	138	12	the	the	DET
ajfa-1507	138	13	efficient	efficient	ADJ
ajfa-1507	138	14	frontier	frontier	NOUN
ajfa-1507	138	15	and	and	CCONJ
ajfa-1507	138	16	is	be	AUX
ajfa-1507	138	17	therefore	therefore	ADV
ajfa-1507	138	18	deemed	deem	VERB
ajfa-1507	138	19	efficient	efficient	ADJ
ajfa-1507	138	20	.	.	PUNCT
ajfa-1507	139	1	data	datum	NOUN
ajfa-1507	139	2	being	be	AUX
ajfa-1507	139	3	pooled	pool	VERB
ajfa-1507	139	4	across	across	ADP
ajfa-1507	139	5	11	11	NUM
ajfa-1507	139	6	countries	country	NOUN
ajfa-1507	139	7	,	,	PUNCT
ajfa-1507	139	8	selected	select	VERB
ajfa-1507	139	9	on	on	ADP
ajfa-1507	139	10	the	the	DET
ajfa-1507	139	11	basis	basis	NOUN
ajfa-1507	139	12	that	that	SCONJ
ajfa-1507	139	13	they	they	PRON
ajfa-1507	139	14	are	be	AUX
ajfa-1507	139	15	oic	oic	PROPN
ajfa-1507	139	16	member	member	NOUN
ajfa-1507	139	17	states	state	NOUN
ajfa-1507	139	18	and	and	CCONJ
ajfa-1507	139	19	have	have	VERB
ajfa-1507	139	20	an	an	DET
ajfa-1507	139	21	established	establish	VERB
ajfa-1507	139	22	dual	dual	ADJ
ajfa-1507	139	23	banking	banking	NOUN
ajfa-1507	139	24	system	system	NOUN
ajfa-1507	139	25	.	.	PUNCT
ajfa-1507	140	1	an	an	DET
ajfa-1507	140	2	“	"	PUNCT
ajfa-1507	140	3	intermediation	intermediation	NOUN
ajfa-1507	140	4	”	"	PUNCT
ajfa-1507	140	5	approach	approach	NOUN
ajfa-1507	140	6	is	be	AUX
ajfa-1507	140	7	being	be	AUX
ajfa-1507	140	8	utilized	utilize	VERB
ajfa-1507	140	9	as	as	SCONJ
ajfa-1507	140	10	there	there	PRON
ajfa-1507	140	11	is	be	VERB
ajfa-1507	140	12	an	an	DET
ajfa-1507	140	13	assumption	assumption	NOUN
ajfa-1507	140	14	that	that	SCONJ
ajfa-1507	140	15	all	all	DET
ajfa-1507	140	16	banks	bank	NOUN
ajfa-1507	140	17	will	will	AUX
ajfa-1507	140	18	have	have	AUX
ajfa-1507	140	19	a	a	DET
ajfa-1507	140	20	certain	certain	ADJ
ajfa-1507	140	21	amount	amount	NOUN
ajfa-1507	140	22	of	of	ADP
ajfa-1507	140	23	regulated	regulated	ADJ
ajfa-1507	140	24	framework	framework	NOUN
ajfa-1507	140	25	and	and	CCONJ
ajfa-1507	140	26	all	all	PRON
ajfa-1507	140	27	will	will	AUX
ajfa-1507	140	28	have	have	VERB
ajfa-1507	140	29	to	to	PART
ajfa-1507	140	30	utilize	utilize	VERB
ajfa-1507	140	31	capital	capital	NOUN
ajfa-1507	140	32	,	,	PUNCT
ajfa-1507	140	33	assets	asset	NOUN
ajfa-1507	140	34	and	and	CCONJ
ajfa-1507	140	35	some	some	DET
ajfa-1507	140	36	form	form	NOUN
ajfa-1507	140	37	of	of	ADP
ajfa-1507	140	38	liabilities	liability	NOUN
ajfa-1507	140	39	to	to	PART
ajfa-1507	140	40	function	function	VERB
ajfa-1507	140	41	.	.	PUNCT
ajfa-1507	141	1	according	accord	VERB
ajfa-1507	141	2	to	to	ADP
ajfa-1507	141	3	berger	berger	PROPN
ajfa-1507	141	4	&	&	CCONJ
ajfa-1507	141	5	humphrey	humphrey	PROPN
ajfa-1507	141	6	(	(	PUNCT
ajfa-1507	141	7	1997	1997	NUM
ajfa-1507	141	8	)	)	PUNCT
ajfa-1507	141	9	,	,	PUNCT
ajfa-1507	141	10	this	this	PRON
ajfa-1507	141	11	is	be	AUX
ajfa-1507	141	12	the	the	DET
ajfa-1507	141	13	normal	normal	ADJ
ajfa-1507	141	14	practice	practice	NOUN
ajfa-1507	141	15	in	in	ADP
ajfa-1507	141	16	vast	vast	ADJ
ajfa-1507	141	17	majority	majority	NOUN
ajfa-1507	141	18	of	of	ADP
ajfa-1507	141	19	financial	financial	ADJ
ajfa-1507	141	20	services	service	NOUN
ajfa-1507	141	21	industries	industry	NOUN
ajfa-1507	141	22	.	.	PUNCT
ajfa-1507	142	1	accordingly	accordingly	ADV
ajfa-1507	142	2	,	,	PUNCT
ajfa-1507	142	3	we	we	PRON
ajfa-1507	142	4	consider	consider	VERB
ajfa-1507	142	5	personnel	personnel	NOUN
ajfa-1507	142	6	expenses	expense	NOUN
ajfa-1507	142	7	,	,	PUNCT
ajfa-1507	142	8	fixed	fix	VERB
ajfa-1507	142	9	assets	asset	NOUN
ajfa-1507	142	10	and	and	CCONJ
ajfa-1507	142	11	deposits	deposit	NOUN
ajfa-1507	142	12	plus	plus	CCONJ
ajfa-1507	142	13	short	short	ADJ
ajfa-1507	142	14	term	term	NOUN
ajfa-1507	142	15	funding	funding	NOUN
ajfa-1507	142	16	as	as	ADP
ajfa-1507	142	17	inputs	input	NOUN
ajfa-1507	142	18	and	and	CCONJ
ajfa-1507	142	19	total	total	ADJ
ajfa-1507	142	20	amount	amount	NOUN
ajfa-1507	142	21	in	in	ADP
ajfa-1507	142	22	loan	loan	NOUN
ajfa-1507	142	23	disbursement	disbursement	NOUN
ajfa-1507	142	24	and	and	CCONJ
ajfa-1507	142	25	total	total	ADJ
ajfa-1507	142	26	earning	earn	VERB
ajfa-1507	142	27	assets	asset	NOUN
ajfa-1507	142	28	as	as	ADP
ajfa-1507	142	29	outputs	output	NOUN
ajfa-1507	142	30	.	.	PUNCT
ajfa-1507	143	1	the	the	DET
ajfa-1507	143	2	estimated	estimate	VERB
ajfa-1507	143	3	efficiency	efficiency	NOUN
ajfa-1507	143	4	scores	score	NOUN
ajfa-1507	143	5	are	be	AUX
ajfa-1507	143	6	then	then	ADV
ajfa-1507	143	7	regressed	regress	VERB
ajfa-1507	143	8	against	against	ADP
ajfa-1507	143	9	a	a	DET
ajfa-1507	143	10	set	set	NOUN
ajfa-1507	143	11	of	of	ADP
ajfa-1507	143	12	regulatory	regulatory	ADJ
ajfa-1507	143	13	,	,	PUNCT
ajfa-1507	143	14	bank	bank	NOUN
ajfa-1507	143	15	-	-	PUNCT
ajfa-1507	143	16	specific	specific	ADJ
ajfa-1507	143	17	and	and	CCONJ
ajfa-1507	143	18	macro	macro	ADJ
ajfa-1507	143	19	variables	variable	NOUN
ajfa-1507	143	20	as	as	SCONJ
ajfa-1507	143	21	explained	explain	VERB
ajfa-1507	143	22	in	in	ADP
ajfa-1507	143	23	section	section	NOUN
ajfa-1507	143	24	3.2	3.2	NUM
ajfa-1507	143	25	.	.	PUNCT
ajfa-1507	144	1	3.2	3.2	NUM
ajfa-1507	144	2	regulation	regulation	NOUN
ajfa-1507	144	3	and	and	CCONJ
ajfa-1507	144	4	bank	bank	NOUN
ajfa-1507	144	5	performance	performance	NOUN
ajfa-1507	144	6	the	the	DET
ajfa-1507	144	7	modelling	modelling	NOUN
ajfa-1507	144	8	framework	framework	NOUN
ajfa-1507	144	9	adopted	adopt	VERB
ajfa-1507	144	10	to	to	PART
ajfa-1507	144	11	estimate	estimate	VERB
ajfa-1507	144	12	the	the	DET
ajfa-1507	144	13	relationship	relationship	NOUN
ajfa-1507	144	14	between	between	ADP
ajfa-1507	144	15	regulation	regulation	NOUN
ajfa-1507	144	16	,	,	PUNCT
ajfa-1507	144	17	efficiency	efficiency	NOUN
ajfa-1507	144	18	,	,	PUNCT
ajfa-1507	144	19	and	and	CCONJ
ajfa-1507	144	20	risk	risk	NOUN
ajfa-1507	144	21	is	be	AUX
ajfa-1507	144	22	built	build	VERB
ajfa-1507	144	23	on	on	ADP
ajfa-1507	144	24	from	from	ADP
ajfa-1507	144	25	the	the	DET
ajfa-1507	144	26	approaches	approach	NOUN
ajfa-1507	144	27	suggested	suggest	VERB
ajfa-1507	144	28	by	by	ADP
ajfa-1507	144	29	pasiouras	pasiouras	NOUN
ajfa-1507	144	30	(	(	PUNCT
ajfa-1507	144	31	2008	2008	NUM
ajfa-1507	144	32	)	)	PUNCT
ajfa-1507	144	33	,	,	PUNCT
ajfa-1507	144	34	kwan	kwan	PROPN
ajfa-1507	144	35	and	and	CCONJ
ajfa-1507	144	36	eisenbeis	eisenbeis	PROPN
ajfa-1507	144	37	(	(	PUNCT
ajfa-1507	144	38	1997	1997	NUM
ajfa-1507	144	39	)	)	PUNCT
ajfa-1507	144	40	,	,	PUNCT
ajfa-1507	144	41	and	and	CCONJ
ajfa-1507	144	42	altunbas	altunbas	PROPN
ajfa-1507	144	43	et.al	et.al	PROPN
ajfa-1507	144	44	(	(	PUNCT
ajfa-1507	144	45	2007	2007	NUM
ajfa-1507	144	46	)	)	PUNCT
ajfa-1507	144	47	.	.	PUNCT
ajfa-1507	145	1	we	we	PRON
ajfa-1507	145	2	specify	specify	VERB
ajfa-1507	145	3	a	a	DET
ajfa-1507	145	4	system	system	NOUN
ajfa-1507	145	5	of	of	ADP
ajfa-1507	145	6	equations	equation	NOUN
ajfa-1507	145	7	and	and	CCONJ
ajfa-1507	145	8	estimate	estimate	VERB
ajfa-1507	145	9	these	these	PRON
ajfa-1507	145	10	using	use	VERB
ajfa-1507	145	11	zellners	zellner	NOUN
ajfa-1507	145	12	’s	’s	PART
ajfa-1507	145	13	(	(	PUNCT
ajfa-1507	145	14	1962	1962	NUM
ajfa-1507	145	15	)	)	PUNCT
ajfa-1507	145	16	seemingly	seemingly	ADV
ajfa-1507	145	17	unrelated	unrelated	ADJ
ajfa-1507	145	18	regression	regression	NOUN
ajfa-1507	145	19	(	(	PUNCT
ajfa-1507	145	20	sur	sur	NOUN
ajfa-1507	145	21	)	)	PUNCT
ajfa-1507	145	22	approach	approach	NOUN
ajfa-1507	145	23	.	.	PUNCT
ajfa-1507	146	1	sur	sur	PROPN
ajfa-1507	146	2	will	will	AUX
ajfa-1507	146	3	allow	allow	VERB
ajfa-1507	146	4	for	for	ADP
ajfa-1507	146	5	simultaneity	simultaneity	NOUN
ajfa-1507	146	6	between	between	ADP
ajfa-1507	146	7	banks	bank	NOUN
ajfa-1507	146	8	’	’	PART
ajfa-1507	146	9	risk	risk	NOUN
ajfa-1507	146	10	and	and	CCONJ
ajfa-1507	146	11	efficiency	efficiency	NOUN
ajfa-1507	146	12	with	with	ADP
ajfa-1507	146	13	regulatory	regulatory	ADJ
ajfa-1507	146	14	and	and	CCONJ
ajfa-1507	146	15	supervisory	supervisory	ADJ
ajfa-1507	146	16	structure	structure	NOUN
ajfa-1507	146	17	while	while	SCONJ
ajfa-1507	146	18	also	also	ADV
ajfa-1507	146	19	controlling	control	VERB
ajfa-1507	146	20	for	for	ADP
ajfa-1507	146	21	other	other	ADJ
ajfa-1507	146	22	important	important	ADJ
ajfa-1507	146	23	environmental	environmental	ADJ
ajfa-1507	146	24	factors	factor	NOUN
ajfa-1507	146	25	.	.	PUNCT
ajfa-1507	147	1	it	it	PRON
ajfa-1507	147	2	is	be	AUX
ajfa-1507	147	3	believed	believe	VERB
ajfa-1507	147	4	that	that	SCONJ
ajfa-1507	147	5	sur	sur	PROPN
ajfa-1507	147	6	can	can	AUX
ajfa-1507	147	7	overcome	overcome	VERB
ajfa-1507	147	8	contemporaneous	contemporaneous	ADJ
ajfa-1507	147	9	cross	cross	ADJ
ajfa-1507	147	10	-	-	ADJ
ajfa-1507	147	11	equation	equation	NOUN
ajfa-1507	147	12	error	error	NOUN
ajfa-1507	147	13	correlation	correlation	NOUN
ajfa-1507	147	14	.	.	PUNCT
ajfa-1507	148	1	there	there	PRON
ajfa-1507	148	2	are	be	VERB
ajfa-1507	148	3	two	two	NUM
ajfa-1507	148	4	main	main	ADJ
ajfa-1507	148	5	motivations	motivation	NOUN
ajfa-1507	148	6	for	for	ADP
ajfa-1507	148	7	use	use	NOUN
ajfa-1507	148	8	of	of	ADP
ajfa-1507	148	9	sur	sur	PROPN
ajfa-1507	148	10	.	.	PUNCT
ajfa-1507	149	1	the	the	DET
ajfa-1507	149	2	first	first	ADJ
ajfa-1507	149	3	one	one	NOUN
ajfa-1507	149	4	is	be	AUX
ajfa-1507	149	5	to	to	PART
ajfa-1507	149	6	gain	gain	VERB
ajfa-1507	149	7	efficiency	efficiency	NOUN
ajfa-1507	149	8	in	in	ADP
ajfa-1507	149	9	estimation	estimation	NOUN
ajfa-1507	149	10	by	by	ADP
ajfa-1507	149	11	combining	combine	VERB
ajfa-1507	149	12	information	information	NOUN
ajfa-1507	149	13	on	on	ADP
ajfa-1507	149	14	different	different	ADJ
ajfa-1507	149	15	equations	equation	NOUN
ajfa-1507	149	16	.	.	PUNCT
ajfa-1507	150	1	the	the	DET
ajfa-1507	150	2	second	second	ADJ
ajfa-1507	150	3	motivation	motivation	NOUN
ajfa-1507	150	4	is	be	AUX
ajfa-1507	150	5	to	to	PART
ajfa-1507	150	6	impose	impose	VERB
ajfa-1507	150	7	and	and	CCONJ
ajfa-1507	150	8	test	test	NOUN
ajfa-1507	150	9	restrictions	restriction	NOUN
ajfa-1507	150	10	that	that	PRON
ajfa-1507	150	11	involve	involve	VERB
ajfa-1507	150	12	parameters	parameter	NOUN
ajfa-1507	150	13	in	in	ADP
ajfa-1507	150	14	different	different	ADJ
ajfa-1507	150	15	equations	equation	NOUN
ajfa-1507	150	16	.	.	PUNCT
ajfa-1507	151	1	the	the	DET
ajfa-1507	151	2	system	system	NOUN
ajfa-1507	151	3	of	of	ADP
ajfa-1507	151	4	equations	equation	NOUN
ajfa-1507	151	5	estimated	estimate	VERB
ajfa-1507	151	6	is	be	AUX
ajfa-1507	151	7	as	as	SCONJ
ajfa-1507	151	8	follows	follow	VERB
ajfa-1507	151	9	:	:	PUNCT
ajfa-1507	151	10	ineffij	ineffij	NOUN
ajfa-1507	151	11	=	=	PROPN
ajfa-1507	151	12	α	α	PROPN
ajfa-1507	152	1	+	+	X
ajfa-1507	152	2	bspowerj+	bspowerj+	ADP
ajfa-1507	152	3	ccaprqj	ccaprqj	NOUN
ajfa-1507	152	4	+	+	CCONJ
ajfa-1507	152	5	dprmonitj	dprmonitj	VERB
ajfa-1507	152	6	+	+	CCONJ
ajfa-1507	152	7	eactrsj	eactrsj	ADJ
ajfa-1507	152	8	+	+	CCONJ
ajfa-1507	152	9	fnltaij	fnltaij	NOUN
ajfa-1507	152	10	+	+	CCONJ
ajfa-1507	152	11	gtaij	gtaij	NOUN
ajfa-1507	152	12	+	+	CCONJ
ajfa-1507	152	13	hladij	hladij	VERB
ajfa-1507	152	14	+	+	CCONJ
ajfa-1507	152	15	ilatacj	ilatacj	NOUN
ajfa-1507	152	16	+	+	NOUN
ajfa-1507	152	17	joetacj	joetacj	NOUN
ajfa-1507	153	1	+	+	CCONJ
ajfa-1507	153	2	kllptacj	kllptacj	NOUN
ajfa-1507	153	3	+	+	CCONJ
ajfa-1507	153	4	lgdpj	lgdpj	NOUN
ajfa-1507	153	5	+	+	CCONJ
ajfa-1507	153	6	mllrij	mllrij	ADJ
ajfa-1507	153	7	+	+	CCONJ
ajfa-1507	153	8	yearj	yearj	ADJ
ajfa-1507	153	9	…	…	PUNCT
ajfa-1507	153	10	…	…	PUNCT
ajfa-1507	153	11	……	……	NOUN
ajfa-1507	153	12	……	……	NOUN
ajfa-1507	153	13	(	(	PUNCT
ajfa-1507	153	14	2	2	NUM
ajfa-1507	153	15	)	)	PUNCT
ajfa-1507	153	16	llrij	llrij	ADV
ajfa-1507	154	1	=	=	PUNCT
ajfa-1507	154	2	α	α	PROPN
ajfa-1507	155	1	+	+	X
ajfa-1507	155	2	bspowerj+	bspowerj+	ADP
ajfa-1507	155	3	ccaprqj	ccaprqj	NOUN
ajfa-1507	155	4	+	+	CCONJ
ajfa-1507	155	5	dprmonitj	dprmonitj	VERB
ajfa-1507	155	6	+	+	CCONJ
ajfa-1507	155	7	eactrsj	eactrsj	ADJ
ajfa-1507	155	8	+	+	CCONJ
ajfa-1507	155	9	fnltaij	fnltaij	NOUN
ajfa-1507	155	10	+	+	CCONJ
ajfa-1507	155	11	gtaij	gtaij	NOUN
ajfa-1507	155	12	+	+	CCONJ
ajfa-1507	155	13	hladij	hladij	ADJ
ajfa-1507	155	14	asian	asian	ADJ
ajfa-1507	155	15	journal	journal	NOUN
ajfa-1507	155	16	of	of	ADP
ajfa-1507	155	17	finance	finance	PROPN
ajfa-1507	155	18	&	&	CCONJ
ajfa-1507	155	19	accounting	accounting	PROPN
ajfa-1507	155	20	issn	issn	PROPN
ajfa-1507	155	21	1946	1946	NUM
ajfa-1507	155	22	-	-	PUNCT
ajfa-1507	155	23	052x	052x	NOUN
ajfa-1507	155	24	2012	2012	NUM
ajfa-1507	155	25	,	,	PUNCT
ajfa-1507	155	26	vol	vol	NOUN
ajfa-1507	155	27	.	.	PROPN
ajfa-1507	155	28	4	4	NUM
ajfa-1507	155	29	,	,	PUNCT
ajfa-1507	155	30	no	no	INTJ
ajfa-1507	155	31	.	.	NOUN
ajfa-1507	155	32	1	1	NUM
ajfa-1507	155	33	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	155	34	225	225	NUM
ajfa-1507	155	35	+	+	CCONJ
ajfa-1507	155	36	ilatacj	ilatacj	VERB
ajfa-1507	155	37	+	+	NOUN
ajfa-1507	155	38	joetacj	joetacj	NOUN
ajfa-1507	156	1	+	+	CCONJ
ajfa-1507	156	2	kllptacj	kllptacj	NOUN
ajfa-1507	156	3	+	+	CCONJ
ajfa-1507	156	4	lgdpj	lgdpj	NOUN
ajfa-1507	156	5	+	+	CCONJ
ajfa-1507	156	6	m	m	VERB
ajfa-1507	156	7	ineffij	ineffij	PROPN
ajfa-1507	156	8	j	j	PROPN
ajfa-1507	156	9	+	+	NUM
ajfa-1507	156	10	yearj	yearj	ADJ
ajfa-1507	156	11	…	…	PUNCT
ajfa-1507	156	12	…	…	PUNCT
ajfa-1507	156	13	……	……	NOUN
ajfa-1507	156	14	……	……	NOUN
ajfa-1507	156	15	(	(	PUNCT
ajfa-1507	156	16	3	3	NUM
ajfa-1507	156	17	)	)	PUNCT
ajfa-1507	156	18	definitions	definition	NOUN
ajfa-1507	156	19	of	of	ADP
ajfa-1507	156	20	all	all	DET
ajfa-1507	156	21	variables	variable	NOUN
ajfa-1507	156	22	are	be	AUX
ajfa-1507	156	23	provided	provide	VERB
ajfa-1507	156	24	in	in	ADP
ajfa-1507	156	25	appendix	appendix	NOUN
ajfa-1507	156	26	1	1	NUM
ajfa-1507	156	27	.	.	PUNCT
ajfa-1507	157	1	equation	equation	NOUN
ajfa-1507	157	2	2	2	NUM
ajfa-1507	157	3	and	and	CCONJ
ajfa-1507	157	4	3	3	NUM
ajfa-1507	157	5	examine	examine	VERB
ajfa-1507	157	6	the	the	DET
ajfa-1507	157	7	impact	impact	NOUN
ajfa-1507	157	8	of	of	ADP
ajfa-1507	157	9	regulatory	regulatory	ADJ
ajfa-1507	157	10	and	and	CCONJ
ajfa-1507	157	11	supervisory	supervisory	ADJ
ajfa-1507	157	12	structure	structure	NOUN
ajfa-1507	157	13	on	on	ADP
ajfa-1507	157	14	bank	bank	NOUN
ajfa-1507	157	15	efficiency	efficiency	NOUN
ajfa-1507	157	16	and	and	CCONJ
ajfa-1507	157	17	risk	risk	NOUN
ajfa-1507	157	18	taking	take	VERB
ajfa-1507	157	19	behaviour	behaviour	NOUN
ajfa-1507	157	20	.	.	PUNCT
ajfa-1507	158	1	individual	individual	ADJ
ajfa-1507	158	2	bank	bank	NOUN
ajfa-1507	158	3	inefficiency	inefficiency	NOUN
ajfa-1507	158	4	(	(	PUNCT
ajfa-1507	158	5	ineff	ineff	NOUN
ajfa-1507	158	6	)	)	PUNCT
ajfa-1507	158	7	is	be	AUX
ajfa-1507	158	8	the	the	DET
ajfa-1507	158	9	managerial	managerial	ADJ
ajfa-1507	158	10	technical	technical	ADJ
ajfa-1507	158	11	inefficiency	inefficiency	NOUN
ajfa-1507	158	12	,	,	PUNCT
ajfa-1507	158	13	which	which	PRON
ajfa-1507	158	14	measures	measure	VERB
ajfa-1507	158	15	how	how	SCONJ
ajfa-1507	158	16	far	far	ADV
ajfa-1507	158	17	the	the	DET
ajfa-1507	158	18	bank	bank	NOUN
ajfa-1507	158	19	is	be	AUX
ajfa-1507	158	20	from	from	ADP
ajfa-1507	158	21	the	the	DET
ajfa-1507	158	22	estimated	estimate	VERB
ajfa-1507	158	23	efficient	efficient	ADJ
ajfa-1507	158	24	frontier	frontier	NOUN
ajfa-1507	158	25	(	(	PUNCT
ajfa-1507	158	26	1θ	1θ	NUM
ajfa-1507	158	27	)	)	PUNCT
ajfa-1507	158	28	.	.	PUNCT
ajfa-1507	159	1	it	it	PRON
ajfa-1507	159	2	is	be	AUX
ajfa-1507	159	3	obtained	obtain	VERB
ajfa-1507	159	4	as	as	ADP
ajfa-1507	159	5	the	the	DET
ajfa-1507	159	6	distance	distance	NOUN
ajfa-1507	159	7	of	of	ADP
ajfa-1507	159	8	a	a	DET
ajfa-1507	159	9	bank	bank	NOUN
ajfa-1507	159	10	’s	’s	PART
ajfa-1507	159	11	observed	observe	VERB
ajfa-1507	159	12	technical	technical	ADJ
ajfa-1507	159	13	efficiency	efficiency	NOUN
ajfa-1507	159	14	from	from	ADP
ajfa-1507	159	15	the	the	DET
ajfa-1507	159	16	estimated	estimate	VERB
ajfa-1507	159	17	efficient	efficient	ADJ
ajfa-1507	159	18	frontier	frontier	NOUN
ajfa-1507	159	19	as	as	SCONJ
ajfa-1507	159	20	explained	explain	VERB
ajfa-1507	159	21	in	in	ADP
ajfa-1507	159	22	section	section	NOUN
ajfa-1507	159	23	3.1	3.1	NUM
ajfa-1507	159	24	.	.	PUNCT
ajfa-1507	160	1	a	a	DET
ajfa-1507	160	2	number	number	NOUN
ajfa-1507	160	3	of	of	ADP
ajfa-1507	160	4	bank	bank	NOUN
ajfa-1507	160	5	-	-	PUNCT
ajfa-1507	160	6	specific	specific	ADJ
ajfa-1507	160	7	and	and	CCONJ
ajfa-1507	160	8	country	country	NOUN
ajfa-1507	160	9	specific	specific	ADJ
ajfa-1507	160	10	variables	variable	NOUN
ajfa-1507	160	11	are	be	AUX
ajfa-1507	160	12	also	also	ADV
ajfa-1507	160	13	included	include	VERB
ajfa-1507	160	14	that	that	PRON
ajfa-1507	160	15	are	be	AUX
ajfa-1507	160	16	believed	believe	VERB
ajfa-1507	160	17	to	to	PART
ajfa-1507	160	18	also	also	ADV
ajfa-1507	160	19	explain	explain	VERB
ajfa-1507	160	20	the	the	DET
ajfa-1507	160	21	variation	variation	NOUN
ajfa-1507	160	22	in	in	ADP
ajfa-1507	160	23	bank	bank	NOUN
ajfa-1507	160	24	risk	risk	NOUN
ajfa-1507	160	25	and	and	CCONJ
ajfa-1507	160	26	inefficiency	inefficiency	NOUN
ajfa-1507	160	27	across	across	ADP
ajfa-1507	160	28	dual	dual	ADJ
ajfa-1507	160	29	banking	banking	NOUN
ajfa-1507	160	30	system	system	NOUN
ajfa-1507	160	31	.	.	PUNCT
ajfa-1507	161	1	loan	loan	NOUN
ajfa-1507	161	2	loss	loss	NOUN
ajfa-1507	161	3	reserves	reserve	NOUN
ajfa-1507	161	4	as	as	ADP
ajfa-1507	161	5	a	a	DET
ajfa-1507	161	6	fraction	fraction	NOUN
ajfa-1507	161	7	to	to	ADP
ajfa-1507	161	8	total	total	ADJ
ajfa-1507	161	9	assets	asset	NOUN
ajfa-1507	161	10	(	(	PUNCT
ajfa-1507	161	11	llr	llr	NOUN
ajfa-1507	161	12	)	)	PUNCT
ajfa-1507	161	13	is	be	AUX
ajfa-1507	161	14	used	use	VERB
ajfa-1507	161	15	as	as	ADP
ajfa-1507	161	16	measure	measure	NOUN
ajfa-1507	161	17	of	of	ADP
ajfa-1507	161	18	banking	banking	NOUN
ajfa-1507	161	19	risk	risk	NOUN
ajfa-1507	161	20	which	which	PRON
ajfa-1507	161	21	is	be	AUX
ajfa-1507	161	22	primarily	primarily	ADV
ajfa-1507	161	23	used	use	VERB
ajfa-1507	161	24	as	as	ADP
ajfa-1507	161	25	measure	measure	NOUN
ajfa-1507	161	26	of	of	ADP
ajfa-1507	161	27	tier	tier	NOUN
ajfa-1507	161	28	2	2	NUM
ajfa-1507	161	29	capital	capital	NOUN
ajfa-1507	161	30	.	.	PUNCT
ajfa-1507	162	1	the	the	DET
ajfa-1507	162	2	treatment	treatment	NOUN
ajfa-1507	162	3	of	of	ADP
ajfa-1507	162	4	loan	loan	NOUN
ajfa-1507	162	5	loss	loss	NOUN
ajfa-1507	162	6	reserves	reserve	NOUN
ajfa-1507	162	7	as	as	SCONJ
ajfa-1507	162	8	capital	capital	NOUN
ajfa-1507	162	9	has	have	AUX
ajfa-1507	162	10	received	receive	VERB
ajfa-1507	162	11	considerable	considerable	ADJ
ajfa-1507	162	12	attention	attention	NOUN
ajfa-1507	162	13	in	in	ADP
ajfa-1507	162	14	the	the	DET
ajfa-1507	162	15	wake	wake	NOUN
ajfa-1507	162	16	of	of	ADP
ajfa-1507	162	17	the	the	DET
ajfa-1507	162	18	financial	financial	ADJ
ajfa-1507	162	19	crisis	crisis	NOUN
ajfa-1507	162	20	(	(	PUNCT
ajfa-1507	162	21	ng	ng	PROPN
ajfa-1507	162	22	and	and	CCONJ
ajfa-1507	162	23	roychowdhury	roychowdhury	NOUN
ajfa-1507	162	24	,	,	PUNCT
ajfa-1507	162	25	2011	2011	NUM
ajfa-1507	162	26	)	)	PUNCT
ajfa-1507	162	27	.	.	PUNCT
ajfa-1507	163	1	higher	high	ADJ
ajfa-1507	163	2	levels	level	NOUN
ajfa-1507	163	3	of	of	ADP
ajfa-1507	163	4	reserves	reserve	NOUN
ajfa-1507	163	5	are	be	AUX
ajfa-1507	163	6	suggestive	suggestive	ADJ
ajfa-1507	163	7	of	of	ADP
ajfa-1507	163	8	greater	great	ADJ
ajfa-1507	163	9	banking	banking	NOUN
ajfa-1507	163	10	risk	risk	NOUN
ajfa-1507	163	11	accounting	account	VERB
ajfa-1507	163	12	for	for	ADP
ajfa-1507	163	13	any	any	DET
ajfa-1507	163	14	future	future	ADJ
ajfa-1507	163	15	bad	bad	ADJ
ajfa-1507	163	16	times	time	NOUN
ajfa-1507	163	17	.	.	PUNCT
ajfa-1507	164	1	of	of	ADP
ajfa-1507	164	2	course	course	ADV
ajfa-1507	164	3	,	,	PUNCT
ajfa-1507	164	4	this	this	DET
ajfa-1507	164	5	estimation	estimation	NOUN
ajfa-1507	164	6	as	as	ADP
ajfa-1507	164	7	measure	measure	NOUN
ajfa-1507	164	8	of	of	ADP
ajfa-1507	164	9	riskiness	riskiness	NOUN
ajfa-1507	164	10	can	can	AUX
ajfa-1507	164	11	be	be	AUX
ajfa-1507	164	12	questionable	questionable	ADJ
ajfa-1507	164	13	and	and	CCONJ
ajfa-1507	164	14	backward	backward	ADV
ajfa-1507	164	15	looking	look	VERB
ajfa-1507	164	16	but	but	CCONJ
ajfa-1507	164	17	accounting	accounting	NOUN
ajfa-1507	164	18	ratio	ratio	NOUN
ajfa-1507	164	19	like	like	ADP
ajfa-1507	164	20	this	this	PRON
ajfa-1507	164	21	has	have	AUX
ajfa-1507	164	22	been	be	AUX
ajfa-1507	164	23	widely	widely	ADV
ajfa-1507	164	24	used	use	VERB
ajfa-1507	164	25	across	across	ADP
ajfa-1507	164	26	literature	literature	NOUN
ajfa-1507	164	27	to	to	PART
ajfa-1507	164	28	assess	assess	VERB
ajfa-1507	164	29	bank	bank	NOUN
ajfa-1507	164	30	appetite	appetite	NOUN
ajfa-1507	164	31	for	for	ADP
ajfa-1507	164	32	risk	risk	NOUN
ajfa-1507	164	33	.	.	PUNCT
ajfa-1507	165	1	to	to	PART
ajfa-1507	165	2	account	account	VERB
ajfa-1507	165	3	for	for	ADP
ajfa-1507	165	4	basel	basel	PROPN
ajfa-1507	165	5	ii	ii	PROPN
ajfa-1507	165	6	and	and	CCONJ
ajfa-1507	165	7	basel	basel	PROPN
ajfa-1507	165	8	iii	iii	PROPN
ajfa-1507	165	9	’s	’s	PART
ajfa-1507	165	10	pillars	pillar	NOUN
ajfa-1507	165	11	on	on	ADP
ajfa-1507	165	12	bank	bank	NOUN
ajfa-1507	165	13	regulation	regulation	NOUN
ajfa-1507	165	14	and	and	CCONJ
ajfa-1507	165	15	supervision	supervision	NOUN
ajfa-1507	165	16	we	we	PRON
ajfa-1507	165	17	use	use	VERB
ajfa-1507	165	18	the	the	DET
ajfa-1507	165	19	data	datum	NOUN
ajfa-1507	165	20	from	from	ADP
ajfa-1507	165	21	barth	barth	NOUN
ajfa-1507	165	22	et.al	et.al	PROPN
ajfa-1507	165	23	(	(	PUNCT
ajfa-1507	165	24	2001b	2001b	NUM
ajfa-1507	165	25	,	,	PUNCT
ajfa-1507	165	26	2006	2006	NUM
ajfa-1507	165	27	,	,	PUNCT
ajfa-1507	165	28	2007b	2007b	NUM
ajfa-1507	165	29	)	)	PUNCT
ajfa-1507	165	30	world	world	NOUN
ajfa-1507	165	31	bank	bank	NOUN
ajfa-1507	165	32	database	database	NOUN
ajfa-1507	165	33	.	.	PUNCT
ajfa-1507	166	1	spower	spower	NOUN
ajfa-1507	166	2	is	be	AUX
ajfa-1507	166	3	a	a	DET
ajfa-1507	166	4	measure	measure	NOUN
ajfa-1507	166	5	of	of	ADP
ajfa-1507	166	6	the	the	DET
ajfa-1507	166	7	power	power	NOUN
ajfa-1507	166	8	of	of	ADP
ajfa-1507	166	9	the	the	DET
ajfa-1507	166	10	supervisory	supervisory	ADJ
ajfa-1507	166	11	agencies	agency	NOUN
ajfa-1507	166	12	.	.	PUNCT
ajfa-1507	167	1	it	it	PRON
ajfa-1507	167	2	is	be	AUX
ajfa-1507	167	3	calculated	calculate	VERB
ajfa-1507	167	4	on	on	ADP
ajfa-1507	167	5	the	the	DET
ajfa-1507	167	6	basis	basis	NOUN
ajfa-1507	167	7	of	of	ADP
ajfa-1507	167	8	the	the	DET
ajfa-1507	167	9	answers	answer	NOUN
ajfa-1507	167	10	to	to	ADP
ajfa-1507	167	11	14	14	NUM
ajfa-1507	167	12	questions	question	NOUN
ajfa-1507	167	13	indicating	indicate	VERB
ajfa-1507	167	14	the	the	DET
ajfa-1507	167	15	extent	extent	NOUN
ajfa-1507	167	16	to	to	PART
ajfa-1507	167	17	which	which	PRON
ajfa-1507	167	18	supervisors	supervisor	NOUN
ajfa-1507	167	19	can	can	AUX
ajfa-1507	167	20	change	change	VERB
ajfa-1507	167	21	the	the	DET
ajfa-1507	167	22	internal	internal	ADJ
ajfa-1507	167	23	organizational	organizational	ADJ
ajfa-1507	167	24	structure	structure	NOUN
ajfa-1507	167	25	of	of	ADP
ajfa-1507	167	26	the	the	DET
ajfa-1507	167	27	bank	bank	NOUN
ajfa-1507	167	28	and/or	and/or	CCONJ
ajfa-1507	167	29	take	take	VERB
ajfa-1507	167	30	specific	specific	ADJ
ajfa-1507	167	31	disciplinary	disciplinary	ADJ
ajfa-1507	167	32	action	action	NOUN
ajfa-1507	167	33	against	against	ADP
ajfa-1507	167	34	bank	bank	NOUN
ajfa-1507	167	35	management	management	NOUN
ajfa-1507	167	36	and	and	CCONJ
ajfa-1507	167	37	directors	director	NOUN
ajfa-1507	167	38	,	,	PUNCT
ajfa-1507	167	39	shareholders	shareholder	NOUN
ajfa-1507	167	40	,	,	PUNCT
ajfa-1507	167	41	and	and	CCONJ
ajfa-1507	167	42	bank	bank	NOUN
ajfa-1507	167	43	auditors	auditor	NOUN
ajfa-1507	167	44	.	.	PUNCT
ajfa-1507	168	1	higher	high	ADJ
ajfa-1507	168	2	values	value	NOUN
ajfa-1507	168	3	of	of	ADP
ajfa-1507	168	4	this	this	DET
ajfa-1507	168	5	variable	variable	NOUN
ajfa-1507	168	6	indicate	indicate	VERB
ajfa-1507	168	7	greater	great	ADJ
ajfa-1507	168	8	power	power	NOUN
ajfa-1507	168	9	of	of	ADP
ajfa-1507	168	10	supervisory	supervisory	ADJ
ajfa-1507	168	11	authorities	authority	NOUN
ajfa-1507	168	12	to	to	PART
ajfa-1507	168	13	get	get	VERB
ajfa-1507	168	14	involved	involve	VERB
ajfa-1507	168	15	in	in	ADP
ajfa-1507	168	16	banking	banking	NOUN
ajfa-1507	168	17	decisions	decision	NOUN
ajfa-1507	168	18	.	.	PUNCT
ajfa-1507	169	1	strong	strong	ADJ
ajfa-1507	169	2	official	official	ADJ
ajfa-1507	169	3	supervision	supervision	NOUN
ajfa-1507	169	4	may	may	AUX
ajfa-1507	169	5	signal	signal	VERB
ajfa-1507	169	6	efficient	efficient	ADJ
ajfa-1507	169	7	banking	banking	NOUN
ajfa-1507	169	8	institutions	institution	NOUN
ajfa-1507	169	9	,	,	PUNCT
ajfa-1507	169	10	preventing	prevent	VERB
ajfa-1507	169	11	managers	manager	NOUN
ajfa-1507	169	12	from	from	ADP
ajfa-1507	169	13	engaging	engage	VERB
ajfa-1507	169	14	in	in	ADP
ajfa-1507	169	15	excessive	excessive	ADJ
ajfa-1507	169	16	risk	risk	NOUN
ajfa-1507	169	17	-	-	PUNCT
ajfa-1507	169	18	taking	take	VERB
ajfa-1507	169	19	behaviours	behaviour	NOUN
ajfa-1507	169	20	.	.	PUNCT
ajfa-1507	170	1	caprq	caprq	PROPN
ajfa-1507	170	2	is	be	AUX
ajfa-1507	170	3	an	an	DET
ajfa-1507	170	4	index	index	NOUN
ajfa-1507	170	5	of	of	ADP
ajfa-1507	170	6	capital	capital	NOUN
ajfa-1507	170	7	requirements	requirement	NOUN
ajfa-1507	170	8	,	,	PUNCT
ajfa-1507	170	9	accounting	account	VERB
ajfa-1507	170	10	for	for	ADP
ajfa-1507	170	11	both	both	DET
ajfa-1507	170	12	initial	initial	ADJ
ajfa-1507	170	13	and	and	CCONJ
ajfa-1507	170	14	overall	overall	ADJ
ajfa-1507	170	15	capital	capital	NOUN
ajfa-1507	170	16	stringency	stringency	NOUN
ajfa-1507	170	17	.	.	PUNCT
ajfa-1507	171	1	the	the	DET
ajfa-1507	171	2	former	former	ADJ
ajfa-1507	171	3	indicates	indicate	VERB
ajfa-1507	171	4	whether	whether	SCONJ
ajfa-1507	171	5	the	the	DET
ajfa-1507	171	6	sources	source	NOUN
ajfa-1507	171	7	of	of	ADP
ajfa-1507	171	8	funds	fund	NOUN
ajfa-1507	171	9	counted	count	VERB
ajfa-1507	171	10	as	as	ADP
ajfa-1507	171	11	regulatory	regulatory	ADJ
ajfa-1507	171	12	capital	capital	NOUN
ajfa-1507	171	13	can	can	AUX
ajfa-1507	171	14	include	include	VERB
ajfa-1507	171	15	assets	asset	NOUN
ajfa-1507	171	16	other	other	ADJ
ajfa-1507	171	17	than	than	ADP
ajfa-1507	171	18	cash	cash	NOUN
ajfa-1507	171	19	or	or	CCONJ
ajfa-1507	171	20	government	government	NOUN
ajfa-1507	171	21	securities	security	NOUN
ajfa-1507	171	22	and	and	CCONJ
ajfa-1507	171	23	borrowed	borrow	VERB
ajfa-1507	171	24	funds	fund	NOUN
ajfa-1507	171	25	,	,	PUNCT
ajfa-1507	171	26	as	as	ADV
ajfa-1507	171	27	well	well	ADV
ajfa-1507	171	28	as	as	ADP
ajfa-1507	171	29	whether	whether	SCONJ
ajfa-1507	171	30	the	the	DET
ajfa-1507	171	31	regulatory	regulatory	ADJ
ajfa-1507	171	32	or	or	CCONJ
ajfa-1507	171	33	supervisory	supervisory	ADJ
ajfa-1507	171	34	authorities	authority	NOUN
ajfa-1507	171	35	verify	verify	VERB
ajfa-1507	171	36	these	these	DET
ajfa-1507	171	37	sources	source	NOUN
ajfa-1507	171	38	.	.	PUNCT
ajfa-1507	172	1	the	the	DET
ajfa-1507	172	2	latter	latter	ADJ
ajfa-1507	172	3	indicates	indicate	VERB
ajfa-1507	172	4	whether	whether	SCONJ
ajfa-1507	172	5	risk	risk	NOUN
ajfa-1507	172	6	elements	element	NOUN
ajfa-1507	172	7	and	and	CCONJ
ajfa-1507	172	8	value	value	NOUN
ajfa-1507	172	9	losses	loss	NOUN
ajfa-1507	172	10	are	be	AUX
ajfa-1507	172	11	considered	consider	VERB
ajfa-1507	172	12	while	while	SCONJ
ajfa-1507	172	13	calculating	calculate	VERB
ajfa-1507	172	14	the	the	DET
ajfa-1507	172	15	regulatory	regulatory	ADJ
ajfa-1507	172	16	capital	capital	NOUN
ajfa-1507	172	17	.	.	PUNCT
ajfa-1507	173	1	caprq	caprq	PROPN
ajfa-1507	173	2	can	can	AUX
ajfa-1507	173	3	take	take	VERB
ajfa-1507	173	4	values	value	NOUN
ajfa-1507	173	5	between	between	ADP
ajfa-1507	173	6	0	0	NUM
ajfa-1507	173	7	and	and	CCONJ
ajfa-1507	173	8	8	8	NUM
ajfa-1507	173	9	with	with	ADP
ajfa-1507	173	10	higher	high	ADJ
ajfa-1507	173	11	values	value	NOUN
ajfa-1507	173	12	indicating	indicate	VERB
ajfa-1507	173	13	more	more	ADV
ajfa-1507	173	14	stringent	stringent	ADJ
ajfa-1507	173	15	capital	capital	NOUN
ajfa-1507	173	16	requirements	requirement	NOUN
ajfa-1507	173	17	.	.	PUNCT
ajfa-1507	174	1	prmonit	prmonit	PROPN
ajfa-1507	174	2	is	be	AUX
ajfa-1507	174	3	an	an	DET
ajfa-1507	174	4	indicator	indicator	NOUN
ajfa-1507	174	5	of	of	ADP
ajfa-1507	174	6	private	private	ADJ
ajfa-1507	174	7	monitoring	monitoring	NOUN
ajfa-1507	174	8	that	that	PRON
ajfa-1507	174	9	takes	take	VERB
ajfa-1507	174	10	values	value	NOUN
ajfa-1507	174	11	between	between	ADP
ajfa-1507	174	12	0	0	NUM
ajfa-1507	174	13	and	and	CCONJ
ajfa-1507	174	14	8	8	NUM
ajfa-1507	174	15	with	with	ADP
ajfa-1507	174	16	higher	high	ADJ
ajfa-1507	174	17	values	value	NOUN
ajfa-1507	174	18	indicating	indicate	VERB
ajfa-1507	174	19	higher	high	ADJ
ajfa-1507	174	20	disclosure	disclosure	NOUN
ajfa-1507	174	21	requirements	requirement	NOUN
ajfa-1507	174	22	and	and	CCONJ
ajfa-1507	174	23	more	more	ADJ
ajfa-1507	174	24	incentives	incentive	NOUN
ajfa-1507	174	25	to	to	PART
ajfa-1507	174	26	increase	increase	VERB
ajfa-1507	174	27	private	private	ADJ
ajfa-1507	174	28	monitoring	monitoring	NOUN
ajfa-1507	174	29	.	.	PUNCT
ajfa-1507	175	1	barth	barth	NOUN
ajfa-1507	175	2	et	et	PROPN
ajfa-1507	175	3	al	al	PROPN
ajfa-1507	175	4	.	.	PROPN
ajfa-1507	176	1	(	(	PUNCT
ajfa-1507	176	2	2006	2006	NUM
ajfa-1507	176	3	,	,	PUNCT
ajfa-1507	176	4	2004a	2004a	NUM
ajfa-1507	176	5	)	)	PUNCT
ajfa-1507	176	6	provide	provide	VERB
ajfa-1507	176	7	evidence	evidence	NOUN
ajfa-1507	176	8	that	that	SCONJ
ajfa-1507	176	9	regulations	regulation	NOUN
ajfa-1507	176	10	that	that	PRON
ajfa-1507	176	11	enhances	enhance	VERB
ajfa-1507	176	12	and	and	CCONJ
ajfa-1507	176	13	facilitates	facilitate	VERB
ajfa-1507	176	14	private	private	ADJ
ajfa-1507	176	15	monitoring	monitoring	NOUN
ajfa-1507	176	16	can	can	AUX
ajfa-1507	176	17	significant	significant	VERB
ajfa-1507	176	18	boost	boost	VERB
ajfa-1507	176	19	bank	bank	NOUN
ajfa-1507	176	20	efficiency	efficiency	NOUN
ajfa-1507	176	21	.	.	PUNCT
ajfa-1507	177	1	more	more	ADV
ajfa-1507	177	2	recently	recently	ADV
ajfa-1507	177	3	,	,	PUNCT
ajfa-1507	177	4	pasiouras	pasiouras	NOUN
ajfa-1507	177	5	(	(	PUNCT
ajfa-1507	177	6	2008	2008	NUM
ajfa-1507	177	7	)	)	PUNCT
ajfa-1507	177	8	shows	show	VERB
ajfa-1507	177	9	that	that	SCONJ
ajfa-1507	177	10	encouraging	encourage	VERB
ajfa-1507	177	11	and	and	CCONJ
ajfa-1507	177	12	facilitating	facilitate	VERB
ajfa-1507	177	13	private	private	ADJ
ajfa-1507	177	14	monitoring	monitoring	NOUN
ajfa-1507	177	15	of	of	ADP
ajfa-1507	177	16	banks	bank	NOUN
ajfa-1507	177	17	can	can	AUX
ajfa-1507	177	18	boost	boost	VERB
ajfa-1507	177	19	efficiency	efficiency	NOUN
ajfa-1507	177	20	.	.	PUNCT
ajfa-1507	178	1	asian	asian	ADJ
ajfa-1507	178	2	journal	journal	PROPN
ajfa-1507	178	3	of	of	ADP
ajfa-1507	178	4	finance	finance	PROPN
ajfa-1507	178	5	&	&	CCONJ
ajfa-1507	178	6	accounting	accounting	PROPN
ajfa-1507	178	7	issn	issn	PROPN
ajfa-1507	178	8	1946	1946	NUM
ajfa-1507	178	9	-	-	PUNCT
ajfa-1507	178	10	052x	052x	NOUN
ajfa-1507	178	11	2012	2012	NUM
ajfa-1507	178	12	,	,	PUNCT
ajfa-1507	178	13	vol	vol	NOUN
ajfa-1507	178	14	.	.	PROPN
ajfa-1507	178	15	4	4	NUM
ajfa-1507	178	16	,	,	PUNCT
ajfa-1507	178	17	no	no	INTJ
ajfa-1507	178	18	.	.	NOUN
ajfa-1507	178	19	1	1	NUM
ajfa-1507	178	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	178	21	226	226	NUM
ajfa-1507	178	22	actrs	actrs	ADJ
ajfa-1507	178	23	indicates	indicate	VERB
ajfa-1507	178	24	the	the	DET
ajfa-1507	178	25	level	level	NOUN
ajfa-1507	178	26	of	of	ADP
ajfa-1507	178	27	restrictions	restriction	NOUN
ajfa-1507	178	28	on	on	ADP
ajfa-1507	178	29	banks	bank	NOUN
ajfa-1507	178	30	’	'	PUNCT
ajfa-1507	178	31	activities	activity	NOUN
ajfa-1507	178	32	.	.	PUNCT
ajfa-1507	179	1	it	it	PRON
ajfa-1507	179	2	can	can	AUX
ajfa-1507	179	3	take	take	VERB
ajfa-1507	179	4	values	value	NOUN
ajfa-1507	179	5	between	between	ADP
ajfa-1507	179	6	0	0	NUM
ajfa-1507	179	7	and	and	CCONJ
ajfa-1507	179	8	4	4	NUM
ajfa-1507	179	9	with	with	ADP
ajfa-1507	179	10	higher	high	ADJ
ajfa-1507	179	11	values	value	NOUN
ajfa-1507	179	12	indicating	indicate	VERB
ajfa-1507	179	13	higher	high	ADJ
ajfa-1507	179	14	restrictions	restriction	NOUN
ajfa-1507	179	15	.	.	PUNCT
ajfa-1507	180	1	it	it	PRON
ajfa-1507	180	2	is	be	AUX
ajfa-1507	180	3	determined	determine	VERB
ajfa-1507	180	4	by	by	ADP
ajfa-1507	180	5	considering	consider	VERB
ajfa-1507	180	6	whether	whether	SCONJ
ajfa-1507	180	7	securities	security	NOUN
ajfa-1507	180	8	,	,	PUNCT
ajfa-1507	180	9	insurance	insurance	NOUN
ajfa-1507	180	10	,	,	PUNCT
ajfa-1507	180	11	real	real	ADJ
ajfa-1507	180	12	estate	estate	NOUN
ajfa-1507	180	13	activities	activity	NOUN
ajfa-1507	180	14	,	,	PUNCT
ajfa-1507	180	15	and	and	CCONJ
ajfa-1507	180	16	ownership	ownership	NOUN
ajfa-1507	180	17	of	of	ADP
ajfa-1507	180	18	non	non	ADJ
ajfa-1507	180	19	-	-	ADJ
ajfa-1507	180	20	financial	financial	ADJ
ajfa-1507	180	21	firms	firm	NOUN
ajfa-1507	180	22	is	be	AUX
ajfa-1507	180	23	unrestricted	unrestricted	ADJ
ajfa-1507	180	24	(=	(=	NOUN
ajfa-1507	180	25	1	1	NUM
ajfa-1507	180	26	)	)	PUNCT
ajfa-1507	180	27	,	,	PUNCT
ajfa-1507	180	28	permitted	permit	VERB
ajfa-1507	180	29	(=	(=	NOUN
ajfa-1507	180	30	2	2	NUM
ajfa-1507	180	31	)	)	PUNCT
ajfa-1507	180	32	,	,	PUNCT
ajfa-1507	180	33	restricted	restrict	VERB
ajfa-1507	180	34	(	(	PUNCT
ajfa-1507	180	35	=3	=3	VERB
ajfa-1507	180	36	)	)	PUNCT
ajfa-1507	180	37	or	or	CCONJ
ajfa-1507	180	38	prohibited	prohibit	VERB
ajfa-1507	180	39	(=	(=	NOUN
ajfa-1507	180	40	4	4	NUM
ajfa-1507	180	41	)	)	PUNCT
ajfa-1507	180	42	.	.	PUNCT
ajfa-1507	181	1	we	we	PRON
ajfa-1507	181	2	construct	construct	VERB
ajfa-1507	181	3	an	an	DET
ajfa-1507	181	4	overall	overall	ADJ
ajfa-1507	181	5	index	index	NOUN
ajfa-1507	181	6	by	by	ADP
ajfa-1507	181	7	calculating	calculate	VERB
ajfa-1507	181	8	the	the	DET
ajfa-1507	181	9	average	average	ADJ
ajfa-1507	181	10	value	value	NOUN
ajfa-1507	181	11	over	over	ADP
ajfa-1507	181	12	all	all	DET
ajfa-1507	181	13	four	four	NUM
ajfa-1507	181	14	activities	activity	NOUN
ajfa-1507	181	15	.	.	PUNCT
ajfa-1507	182	1	according	accord	VERB
ajfa-1507	182	2	to	to	ADP
ajfa-1507	182	3	barth	barth	PROPN
ajfa-1507	182	4	et	et	PROPN
ajfa-1507	182	5	al	al	PROPN
ajfa-1507	182	6	.	.	PROPN
ajfa-1507	183	1	(	(	PUNCT
ajfa-1507	183	2	2001	2001	NUM
ajfa-1507	183	3	,	,	PUNCT
ajfa-1507	183	4	2003a	2003a	NUM
ajfa-1507	183	5	,	,	PUNCT
ajfa-1507	183	6	b	b	NOUN
ajfa-1507	183	7	)	)	PUNCT
ajfa-1507	183	8	,	,	PUNCT
ajfa-1507	183	9	activity	activity	NOUN
ajfa-1507	183	10	restrictions	restriction	NOUN
ajfa-1507	183	11	may	may	AUX
ajfa-1507	183	12	have	have	VERB
ajfa-1507	183	13	an	an	DET
ajfa-1507	183	14	important	important	ADJ
ajfa-1507	183	15	impact	impact	NOUN
ajfa-1507	183	16	on	on	ADP
ajfa-1507	183	17	bank	bank	NOUN
ajfa-1507	183	18	efficiency	efficiency	NOUN
ajfa-1507	183	19	by	by	ADP
ajfa-1507	183	20	reducing	reduce	VERB
ajfa-1507	183	21	competition	competition	NOUN
ajfa-1507	183	22	and	and	CCONJ
ajfa-1507	183	23	limiting	limit	VERB
ajfa-1507	183	24	economies	economy	NOUN
ajfa-1507	183	25	of	of	ADP
ajfa-1507	183	26	scope	scope	NOUN
ajfa-1507	183	27	,	,	PUNCT
ajfa-1507	183	28	which	which	PRON
ajfa-1507	183	29	results	result	VERB
ajfa-1507	183	30	in	in	ADP
ajfa-1507	183	31	lower	low	ADJ
ajfa-1507	183	32	efficiency	efficiency	NOUN
ajfa-1507	183	33	levels	level	NOUN
ajfa-1507	183	34	.	.	PUNCT
ajfa-1507	184	1	for	for	ADP
ajfa-1507	184	2	the	the	DET
ajfa-1507	184	3	explanatory	explanatory	ADJ
ajfa-1507	184	4	variables	variable	NOUN
ajfa-1507	184	5	we	we	PRON
ajfa-1507	184	6	used	use	VERB
ajfa-1507	184	7	a	a	DET
ajfa-1507	184	8	broad	broad	ADJ
ajfa-1507	184	9	range	range	NOUN
ajfa-1507	184	10	of	of	ADP
ajfa-1507	184	11	variables	variable	NOUN
ajfa-1507	184	12	that	that	PRON
ajfa-1507	184	13	are	be	AUX
ajfa-1507	184	14	believed	believe	VERB
ajfa-1507	184	15	to	to	PART
ajfa-1507	184	16	be	be	AUX
ajfa-1507	184	17	important	important	ADJ
ajfa-1507	184	18	in	in	ADP
ajfa-1507	184	19	explaining	explain	VERB
ajfa-1507	184	20	the	the	DET
ajfa-1507	184	21	performance	performance	NOUN
ajfa-1507	184	22	and	and	CCONJ
ajfa-1507	184	23	risk	risk	NOUN
ajfa-1507	184	24	taking	take	VERB
ajfa-1507	184	25	propensity	propensity	NOUN
ajfa-1507	184	26	of	of	ADP
ajfa-1507	184	27	banks	bank	NOUN
ajfa-1507	184	28	.	.	PUNCT
ajfa-1507	185	1	the	the	DET
ajfa-1507	185	2	bank	bank	NOUN
ajfa-1507	185	3	-	-	PUNCT
ajfa-1507	185	4	specific	specific	ADJ
ajfa-1507	185	5	variables	variable	NOUN
ajfa-1507	185	6	include	include	VERB
ajfa-1507	185	7	net	net	ADJ
ajfa-1507	185	8	loans	loan	NOUN
ajfa-1507	185	9	to	to	ADP
ajfa-1507	185	10	total	total	ADJ
ajfa-1507	185	11	assets	asset	NOUN
ajfa-1507	185	12	(	(	PUNCT
ajfa-1507	185	13	nlta	nlta	NOUN
ajfa-1507	185	14	)	)	PUNCT
ajfa-1507	185	15	as	as	SCONJ
ajfa-1507	185	16	rapid	rapid	ADJ
ajfa-1507	185	17	loan	loan	NOUN
ajfa-1507	185	18	growth	growth	NOUN
ajfa-1507	185	19	may	may	AUX
ajfa-1507	185	20	increase	increase	VERB
ajfa-1507	185	21	risk	risk	NOUN
ajfa-1507	185	22	and	and	CCONJ
ajfa-1507	185	23	impact	impact	NOUN
ajfa-1507	185	24	adversely	adversely	ADV
ajfa-1507	185	25	on	on	ADP
ajfa-1507	185	26	bank	bank	NOUN
ajfa-1507	185	27	efficiency	efficiency	NOUN
ajfa-1507	185	28	in	in	ADP
ajfa-1507	185	29	the	the	DET
ajfa-1507	185	30	long	long	ADJ
ajfa-1507	185	31	run	run	NOUN
ajfa-1507	185	32	.	.	PUNCT
ajfa-1507	186	1	banks	bank	NOUN
ajfa-1507	186	2	that	that	PRON
ajfa-1507	186	3	are	be	AUX
ajfa-1507	186	4	more	more	ADJ
ajfa-1507	186	5	liquid	liquid	ADJ
ajfa-1507	186	6	may	may	AUX
ajfa-1507	186	7	be	be	AUX
ajfa-1507	186	8	more	more	ADV
ajfa-1507	186	9	efficient	efficient	ADJ
ajfa-1507	186	10	in	in	ADP
ajfa-1507	186	11	the	the	DET
ajfa-1507	186	12	sense	sense	NOUN
ajfa-1507	186	13	that	that	SCONJ
ajfa-1507	186	14	all	all	DET
ajfa-1507	186	15	other	other	ADJ
ajfa-1507	186	16	things	thing	NOUN
ajfa-1507	186	17	being	be	AUX
ajfa-1507	186	18	equal	equal	ADJ
ajfa-1507	186	19	,	,	PUNCT
ajfa-1507	186	20	an	an	DET
ajfa-1507	186	21	efficient	efficient	ADJ
ajfa-1507	186	22	bank	bank	NOUN
ajfa-1507	186	23	can	can	AUX
ajfa-1507	186	24	produce	produce	VERB
ajfa-1507	186	25	more	more	ADJ
ajfa-1507	186	26	output	output	NOUN
ajfa-1507	186	27	part	part	NOUN
ajfa-1507	186	28	of	of	ADP
ajfa-1507	186	29	which	which	PRON
ajfa-1507	186	30	includes	include	VERB
ajfa-1507	186	31	liquid	liquid	ADJ
ajfa-1507	186	32	and	and	CCONJ
ajfa-1507	186	33	other	other	ADJ
ajfa-1507	186	34	assets	asset	NOUN
ajfa-1507	186	35	so	so	SCONJ
ajfa-1507	186	36	we	we	PRON
ajfa-1507	186	37	account	account	VERB
ajfa-1507	186	38	for	for	ADP
ajfa-1507	186	39	this	this	PRON
ajfa-1507	186	40	by	by	ADP
ajfa-1507	186	41	using	use	VERB
ajfa-1507	186	42	liquid	liquid	ADJ
ajfa-1507	186	43	assets	asset	NOUN
ajfa-1507	186	44	to	to	ADP
ajfa-1507	186	45	deposits	deposit	NOUN
ajfa-1507	186	46	ratio	ratio	NOUN
ajfa-1507	186	47	(	(	PUNCT
ajfa-1507	186	48	lad	lad	NOUN
ajfa-1507	186	49	)	)	PUNCT
ajfa-1507	186	50	.	.	PUNCT
ajfa-1507	187	1	bank	bank	NOUN
ajfa-1507	187	2	size	size	NOUN
ajfa-1507	187	3	,	,	PUNCT
ajfa-1507	187	4	through	through	ADP
ajfa-1507	187	5	economies	economy	NOUN
ajfa-1507	187	6	of	of	ADP
ajfa-1507	187	7	scale	scale	NOUN
ajfa-1507	187	8	,	,	PUNCT
ajfa-1507	187	9	may	may	AUX
ajfa-1507	187	10	influence	influence	VERB
ajfa-1507	187	11	the	the	DET
ajfa-1507	187	12	relationship	relationship	NOUN
ajfa-1507	187	13	between	between	ADP
ajfa-1507	187	14	risk	risk	NOUN
ajfa-1507	187	15	and	and	CCONJ
ajfa-1507	187	16	efficiency	efficiency	NOUN
ajfa-1507	187	17	so	so	SCONJ
ajfa-1507	187	18	we	we	PRON
ajfa-1507	187	19	control	control	VERB
ajfa-1507	187	20	for	for	ADP
ajfa-1507	187	21	the	the	DET
ajfa-1507	187	22	assets	asset	NOUN
ajfa-1507	187	23	size	size	NOUN
ajfa-1507	187	24	of	of	ADP
ajfa-1507	187	25	banks	bank	NOUN
ajfa-1507	187	26	(	(	PUNCT
ajfa-1507	187	27	ta	ta	NOUN
ajfa-1507	187	28	)	)	PUNCT
ajfa-1507	187	29	.	.	PUNCT
ajfa-1507	188	1	big	big	ADJ
ajfa-1507	188	2	banks	bank	NOUN
ajfa-1507	188	3	typically	typically	ADV
ajfa-1507	188	4	are	be	AUX
ajfa-1507	188	5	more	more	ADV
ajfa-1507	188	6	diversified	diversified	ADJ
ajfa-1507	188	7	and	and	CCONJ
ajfa-1507	188	8	gain	gain	VERB
ajfa-1507	188	9	from	from	ADP
ajfa-1507	188	10	other	other	ADJ
ajfa-1507	188	11	size	size	NOUN
ajfa-1507	188	12	advantages	advantage	NOUN
ajfa-1507	188	13	(	(	PUNCT
ajfa-1507	188	14	hughes	hughes	PROPN
ajfa-1507	188	15	et.al	et.al	PROPN
ajfa-1507	188	16	,	,	PUNCT
ajfa-1507	188	17	2001	2001	NUM
ajfa-1507	188	18	)	)	PUNCT
ajfa-1507	189	1	so	so	ADV
ajfa-1507	189	2	it	it	PRON
ajfa-1507	189	3	is	be	AUX
ajfa-1507	189	4	important	important	ADJ
ajfa-1507	189	5	to	to	PART
ajfa-1507	189	6	control	control	VERB
ajfa-1507	189	7	for	for	ADP
ajfa-1507	189	8	this	this	DET
ajfa-1507	189	9	factor	factor	NOUN
ajfa-1507	189	10	.	.	PUNCT
ajfa-1507	190	1	generally	generally	ADV
ajfa-1507	190	2	,	,	PUNCT
ajfa-1507	190	3	the	the	DET
ajfa-1507	190	4	effect	effect	NOUN
ajfa-1507	190	5	of	of	ADP
ajfa-1507	190	6	a	a	DET
ajfa-1507	190	7	growing	grow	VERB
ajfa-1507	190	8	size	size	NOUN
ajfa-1507	190	9	on	on	ADP
ajfa-1507	190	10	efficiency	efficiency	NOUN
ajfa-1507	190	11	has	have	AUX
ajfa-1507	190	12	been	be	AUX
ajfa-1507	190	13	proved	prove	VERB
ajfa-1507	190	14	to	to	PART
ajfa-1507	190	15	be	be	AUX
ajfa-1507	190	16	positive	positive	ADJ
ajfa-1507	190	17	to	to	ADP
ajfa-1507	190	18	a	a	DET
ajfa-1507	190	19	certain	certain	ADJ
ajfa-1507	190	20	extent	extent	NOUN
ajfa-1507	190	21	(	(	PUNCT
ajfa-1507	190	22	athanasoglou	athanasoglou	PROPN
ajfa-1507	190	23	et	et	PROPN
ajfa-1507	190	24	al	al	PROPN
ajfa-1507	190	25	.	.	PROPN
ajfa-1507	190	26	,	,	PUNCT
ajfa-1507	190	27	2008	2008	NUM
ajfa-1507	190	28	;	;	PUNCT
ajfa-1507	190	29	fiordelisi	fiordelisi	PROPN
ajfa-1507	190	30	and	and	CCONJ
ajfa-1507	190	31	molyneux	molyneux	PROPN
ajfa-1507	190	32	,	,	PUNCT
ajfa-1507	190	33	2010	2010	NUM
ajfa-1507	190	34	)	)	PUNCT
ajfa-1507	190	35	.	.	PUNCT
ajfa-1507	191	1	finally	finally	ADV
ajfa-1507	191	2	,	,	PUNCT
ajfa-1507	191	3	a	a	DET
ajfa-1507	191	4	range	range	NOUN
ajfa-1507	191	5	of	of	ADP
ajfa-1507	191	6	country	country	NOUN
ajfa-1507	191	7	-	-	PUNCT
ajfa-1507	191	8	specific	specific	ADJ
ajfa-1507	191	9	banking	banking	NOUN
ajfa-1507	191	10	variables	variable	NOUN
ajfa-1507	191	11	are	be	AUX
ajfa-1507	191	12	included	include	VERB
ajfa-1507	191	13	to	to	PART
ajfa-1507	191	14	take	take	VERB
ajfa-1507	191	15	account	account	NOUN
ajfa-1507	191	16	of	of	ADP
ajfa-1507	191	17	broad	broad	ADJ
ajfa-1507	191	18	banking	banking	NOUN
ajfa-1507	191	19	system	system	NOUN
ajfa-1507	191	20	differences	difference	NOUN
ajfa-1507	191	21	across	across	ADP
ajfa-1507	191	22	the	the	DET
ajfa-1507	191	23	nations	nation	NOUN
ajfa-1507	191	24	.	.	PUNCT
ajfa-1507	192	1	these	these	PRON
ajfa-1507	192	2	include	include	VERB
ajfa-1507	192	3	indicators	indicator	NOUN
ajfa-1507	192	4	of	of	ADP
ajfa-1507	192	5	country	country	NOUN
ajfa-1507	192	6	banking	banking	NOUN
ajfa-1507	192	7	system	system	NOUN
ajfa-1507	192	8	liquidity	liquidity	NOUN
ajfa-1507	192	9	measured	measure	VERB
ajfa-1507	192	10	by	by	ADP
ajfa-1507	192	11	banking	banking	NOUN
ajfa-1507	192	12	system	system	NOUN
ajfa-1507	192	13	liquid	liquid	ADJ
ajfa-1507	192	14	assets	asset	NOUN
ajfa-1507	192	15	to	to	AUX
ajfa-1507	192	16	total	total	VERB
ajfa-1507	192	17	assets	asset	NOUN
ajfa-1507	192	18	in	in	ADP
ajfa-1507	192	19	country	country	NOUN
ajfa-1507	192	20	(	(	PUNCT
ajfa-1507	192	21	latac	latac	NOUN
ajfa-1507	192	22	)	)	PUNCT
ajfa-1507	192	23	,	,	PUNCT
ajfa-1507	192	24	efficiency	efficiency	NOUN
ajfa-1507	192	25	measured	measure	VERB
ajfa-1507	192	26	by	by	ADP
ajfa-1507	192	27	banking	banking	NOUN
ajfa-1507	192	28	system	system	NOUN
ajfa-1507	192	29	operating	operating	NOUN
ajfa-1507	192	30	expenses	expense	NOUN
ajfa-1507	192	31	to	to	ADP
ajfa-1507	192	32	total	total	ADJ
ajfa-1507	192	33	assets	asset	NOUN
ajfa-1507	192	34	in	in	ADP
ajfa-1507	192	35	country	country	NOUN
ajfa-1507	192	36	(	(	PUNCT
ajfa-1507	192	37	oepac	oepac	NUM
ajfa-1507	192	38	)	)	PUNCT
ajfa-1507	192	39	and	and	CCONJ
ajfa-1507	192	40	risk	risk	NOUN
ajfa-1507	192	41	measured	measure	VERB
ajfa-1507	192	42	by	by	ADP
ajfa-1507	192	43	banking	banking	NOUN
ajfa-1507	192	44	system	system	NOUN
ajfa-1507	192	45	loan	loan	NOUN
ajfa-1507	192	46	-	-	PUNCT
ajfa-1507	192	47	loss	loss	NOUN
ajfa-1507	192	48	provisions	provision	NOUN
ajfa-1507	192	49	to	to	PART
ajfa-1507	192	50	total	total	VERB
ajfa-1507	192	51	loans	loan	NOUN
ajfa-1507	192	52	in	in	ADP
ajfa-1507	192	53	country	country	NOUN
ajfa-1507	192	54	(	(	PUNCT
ajfa-1507	192	55	llptac	llptac	PROPN
ajfa-1507	192	56	)	)	PUNCT
ajfa-1507	192	57	.	.	PUNCT
ajfa-1507	193	1	while	while	SCONJ
ajfa-1507	193	2	these	these	DET
ajfa-1507	193	3	variables	variable	NOUN
ajfa-1507	193	4	are	be	AUX
ajfa-1507	193	5	similar	similar	ADJ
ajfa-1507	193	6	to	to	ADP
ajfa-1507	193	7	the	the	DET
ajfa-1507	193	8	bank	bank	NOUN
ajfa-1507	193	9	-	-	PUNCT
ajfa-1507	193	10	specific	specific	ADJ
ajfa-1507	193	11	indicators	indicator	NOUN
ajfa-1507	193	12	they	they	PRON
ajfa-1507	193	13	provide	provide	VERB
ajfa-1507	193	14	another	another	DET
ajfa-1507	193	15	aspect	aspect	NOUN
ajfa-1507	193	16	to	to	ADP
ajfa-1507	193	17	the	the	DET
ajfa-1507	193	18	analysis	analysis	NOUN
ajfa-1507	193	19	in	in	ADP
ajfa-1507	193	20	that	that	SCONJ
ajfa-1507	193	21	they	they	PRON
ajfa-1507	193	22	control	control	VERB
ajfa-1507	193	23	for	for	ADP
ajfa-1507	193	24	country	country	NOUN
ajfa-1507	193	25	differences	difference	NOUN
ajfa-1507	193	26	in	in	ADP
ajfa-1507	193	27	efficiency	efficiency	NOUN
ajfa-1507	193	28	and	and	CCONJ
ajfa-1507	193	29	risk	risk	NOUN
ajfa-1507	193	30	.	.	PUNCT
ajfa-1507	194	1	in	in	ADP
ajfa-1507	194	2	other	other	ADJ
ajfa-1507	194	3	words	word	NOUN
ajfa-1507	194	4	they	they	PRON
ajfa-1507	194	5	help	help	VERB
ajfa-1507	194	6	to	to	PART
ajfa-1507	194	7	show	show	VERB
ajfa-1507	194	8	if	if	SCONJ
ajfa-1507	194	9	country	country	NOUN
ajfa-1507	194	10	-	-	PUNCT
ajfa-1507	194	11	specific	specific	ADJ
ajfa-1507	194	12	financial	financial	ADJ
ajfa-1507	194	13	differences	difference	NOUN
ajfa-1507	194	14	impact	impact	NOUN
ajfa-1507	194	15	on	on	ADP
ajfa-1507	194	16	bank	bank	NOUN
ajfa-1507	194	17	-	-	PUNCT
ajfa-1507	194	18	specific	specific	ADJ
ajfa-1507	194	19	risk	risk	NOUN
ajfa-1507	194	20	and	and	CCONJ
ajfa-1507	194	21	efficiency	efficiency	NOUN
ajfa-1507	194	22	.	.	PUNCT
ajfa-1507	195	1	the	the	DET
ajfa-1507	195	2	average	average	ADJ
ajfa-1507	195	3	annual	annual	ADJ
ajfa-1507	195	4	growth	growth	NOUN
ajfa-1507	195	5	rate	rate	NOUN
ajfa-1507	195	6	of	of	ADP
ajfa-1507	195	7	per	per	X
ajfa-1507	195	8	capita	capita	X
ajfa-1507	195	9	(	(	PUNCT
ajfa-1507	195	10	gdp	gdp	NOUN
ajfa-1507	195	11	)	)	PUNCT
ajfa-1507	195	12	is	be	AUX
ajfa-1507	195	13	an	an	DET
ajfa-1507	195	14	environmental	environmental	ADJ
ajfa-1507	195	15	variable	variable	NOUN
ajfa-1507	195	16	used	use	VERB
ajfa-1507	195	17	to	to	PART
ajfa-1507	195	18	control	control	VERB
ajfa-1507	195	19	for	for	ADP
ajfa-1507	195	20	local	local	ADJ
ajfa-1507	195	21	economic	economic	ADJ
ajfa-1507	195	22	conditions	condition	NOUN
ajfa-1507	195	23	.	.	PUNCT
ajfa-1507	196	1	a	a	DET
ajfa-1507	196	2	high	high	ADJ
ajfa-1507	196	3	level	level	NOUN
ajfa-1507	196	4	of	of	ADP
ajfa-1507	196	5	per	per	ADP
ajfa-1507	196	6	capita	capita	X
ajfa-1507	196	7	gdp	gdp	NOUN
ajfa-1507	196	8	captures	capture	VERB
ajfa-1507	196	9	the	the	DET
ajfa-1507	196	10	cyclical	cyclical	ADJ
ajfa-1507	196	11	conditions	condition	NOUN
ajfa-1507	196	12	of	of	ADP
ajfa-1507	196	13	the	the	DET
ajfa-1507	196	14	macroeconomic	macroeconomic	ADJ
ajfa-1507	196	15	environment	environment	NOUN
ajfa-1507	196	16	.	.	PUNCT
ajfa-1507	197	1	it	it	PRON
ajfa-1507	197	2	is	be	AUX
ajfa-1507	197	3	also	also	ADV
ajfa-1507	197	4	expected	expect	VERB
ajfa-1507	197	5	to	to	PART
ajfa-1507	197	6	capture	capture	VERB
ajfa-1507	197	7	the	the	DET
ajfa-1507	197	8	implications	implication	NOUN
ajfa-1507	197	9	for	for	ADP
ajfa-1507	197	10	bank	bank	NOUN
ajfa-1507	197	11	efficiency	efficiency	NOUN
ajfa-1507	197	12	stemming	stem	VERB
ajfa-1507	197	13	from	from	ADP
ajfa-1507	197	14	operating	operate	VERB
ajfa-1507	197	15	in	in	ADP
ajfa-1507	197	16	different	different	ADJ
ajfa-1507	197	17	economic	economic	ADJ
ajfa-1507	197	18	environment	environment	NOUN
ajfa-1507	197	19	,	,	PUNCT
ajfa-1507	197	20	as	as	SCONJ
ajfa-1507	197	21	demand	demand	NOUN
ajfa-1507	197	22	for	for	ADP
ajfa-1507	197	23	financial	financial	ADJ
ajfa-1507	197	24	products	product	NOUN
ajfa-1507	197	25	depends	depend	VERB
ajfa-1507	197	26	on	on	ADP
ajfa-1507	197	27	the	the	DET
ajfa-1507	197	28	level	level	NOUN
ajfa-1507	197	29	of	of	ADP
ajfa-1507	197	30	economic	economic	ADJ
ajfa-1507	197	31	activity	activity	NOUN
ajfa-1507	197	32	.	.	PUNCT
ajfa-1507	198	1	empirical	empirical	ADJ
ajfa-1507	198	2	studies	study	NOUN
ajfa-1507	198	3	tend	tend	VERB
ajfa-1507	198	4	to	to	PART
ajfa-1507	198	5	find	find	VERB
ajfa-1507	198	6	that	that	SCONJ
ajfa-1507	198	7	countries	country	NOUN
ajfa-1507	198	8	with	with	ADP
ajfa-1507	198	9	relatively	relatively	ADV
ajfa-1507	198	10	high	high	ADJ
ajfa-1507	198	11	gdp	gdp	NOUN
ajfa-1507	198	12	growth	growth	NOUN
ajfa-1507	198	13	are	be	AUX
ajfa-1507	198	14	characterised	characterise	VERB
ajfa-1507	198	15	by	by	ADP
ajfa-1507	198	16	more	more	ADV
ajfa-1507	198	17	efficient	efficient	ADJ
ajfa-1507	198	18	banking	banking	NOUN
ajfa-1507	198	19	institutions	institution	NOUN
ajfa-1507	198	20	(	(	PUNCT
ajfa-1507	198	21	e.g.	e.g.	ADV
ajfa-1507	198	22	,	,	PUNCT
ajfa-1507	198	23	demirguc	demirguc	PROPN
ajfa-1507	198	24	-	-	PUNCT
ajfa-1507	198	25	kunt	kunt	PROPN
ajfa-1507	198	26	and	and	CCONJ
ajfa-1507	198	27	maksimovic	maksimovic	PROPN
ajfa-1507	198	28	,	,	PUNCT
ajfa-1507	198	29	1998	1998	NUM
ajfa-1507	198	30	;	;	PUNCT
ajfa-1507	198	31	schure	schure	NOUN
ajfa-1507	198	32	et	et	PROPN
ajfa-1507	198	33	al	al	PROPN
ajfa-1507	198	34	.	.	PROPN
ajfa-1507	198	35	,	,	PUNCT
ajfa-1507	198	36	2004	2004	NUM
ajfa-1507	198	37	;	;	PUNCT
ajfa-1507	198	38	yildirim	yildirim	NOUN
ajfa-1507	198	39	and	and	CCONJ
ajfa-1507	198	40	philippatos	philippato	NOUN
ajfa-1507	198	41	,	,	PUNCT
ajfa-1507	198	42	2007	2007	NUM
ajfa-1507	198	43	)	)	PUNCT
ajfa-1507	198	44	.	.	PUNCT
ajfa-1507	199	1	yearly	yearly	ADJ
ajfa-1507	199	2	dummy	dummy	ADJ
ajfa-1507	199	3	variables	variable	NOUN
ajfa-1507	199	4	are	be	AUX
ajfa-1507	199	5	included	include	VERB
ajfa-1507	199	6	to	to	PART
ajfa-1507	199	7	control	control	VERB
ajfa-1507	199	8	for	for	ADP
ajfa-1507	199	9	time	time	NOUN
ajfa-1507	199	10	effects	effect	NOUN
ajfa-1507	199	11	.	.	PUNCT
ajfa-1507	200	1	3.3	3.3	NUM
ajfa-1507	200	2	data	datum	NOUN
ajfa-1507	200	3	the	the	DET
ajfa-1507	200	4	dataset	dataset	NOUN
ajfa-1507	200	5	used	use	VERB
ajfa-1507	200	6	in	in	ADP
ajfa-1507	200	7	this	this	DET
ajfa-1507	200	8	study	study	NOUN
ajfa-1507	200	9	is	be	AUX
ajfa-1507	200	10	composed	compose	VERB
ajfa-1507	200	11	of	of	ADP
ajfa-1507	200	12	conventional	conventional	ADJ
ajfa-1507	200	13	and	and	CCONJ
ajfa-1507	200	14	islamic	islamic	ADJ
ajfa-1507	200	15	banks	bank	NOUN
ajfa-1507	200	16	from	from	ADP
ajfa-1507	200	17	eleven	eleven	NUM
ajfa-1507	200	18	countries	country	NOUN
ajfa-1507	200	19	(	(	PUNCT
ajfa-1507	200	20	egypt	egypt	PROPN
ajfa-1507	200	21	,	,	PUNCT
ajfa-1507	200	22	bahrain	bahrain	NOUN
ajfa-1507	200	23	,	,	PUNCT
ajfa-1507	200	24	bangladesh	bangladesh	PROPN
ajfa-1507	200	25	,	,	PUNCT
ajfa-1507	200	26	indonesia	indonesia	PROPN
ajfa-1507	200	27	,	,	PUNCT
ajfa-1507	200	28	kuwait	kuwait	PROPN
ajfa-1507	200	29	,	,	PUNCT
ajfa-1507	200	30	malaysia	malaysia	PROPN
ajfa-1507	200	31	,	,	PUNCT
ajfa-1507	200	32	pakistan	pakistan	PROPN
ajfa-1507	200	33	,	,	PUNCT
ajfa-1507	200	34	qatar	qatar	PROPN
ajfa-1507	200	35	,	,	PUNCT
ajfa-1507	200	36	saudi	saudi	PROPN
ajfa-1507	200	37	arabia	arabia	PROPN
ajfa-1507	200	38	,	,	PUNCT
ajfa-1507	200	39	turkey	turkey	PROPN
ajfa-1507	200	40	,	,	PUNCT
ajfa-1507	200	41	and	and	CCONJ
ajfa-1507	200	42	uae	uae	PROPN
ajfa-1507	200	43	)	)	PUNCT
ajfa-1507	200	44	having	have	VERB
ajfa-1507	200	45	a	a	DET
ajfa-1507	200	46	dual	dual	ADJ
ajfa-1507	200	47	banking	banking	NOUN
ajfa-1507	200	48	system	system	NOUN
ajfa-1507	200	49	.	.	PUNCT
ajfa-1507	201	1	they	they	PRON
ajfa-1507	201	2	are	be	AUX
ajfa-1507	201	3	sourced	source	VERB
ajfa-1507	201	4	either	either	CCONJ
ajfa-1507	201	5	from	from	ADP
ajfa-1507	201	6	data	datum	NOUN
ajfa-1507	201	7	collected	collect	VERB
ajfa-1507	201	8	by	by	ADP
ajfa-1507	201	9	bankscope	bankscope	NOUN
ajfa-1507	201	10	database	database	NOUN
ajfa-1507	201	11	or	or	CCONJ
ajfa-1507	201	12	done	do	VERB
ajfa-1507	201	13	by	by	ADP
ajfa-1507	201	14	manually	manually	ADV
ajfa-1507	201	15	referring	refer	VERB
ajfa-1507	201	16	to	to	ADP
ajfa-1507	201	17	the	the	DET
ajfa-1507	201	18	annual	annual	ADJ
ajfa-1507	201	19	reports	report	NOUN
ajfa-1507	201	20	of	of	ADP
ajfa-1507	201	21	these	these	DET
ajfa-1507	201	22	asian	asian	ADJ
ajfa-1507	201	23	journal	journal	NOUN
ajfa-1507	201	24	of	of	ADP
ajfa-1507	201	25	finance	finance	PROPN
ajfa-1507	201	26	&	&	CCONJ
ajfa-1507	201	27	accounting	accounting	PROPN
ajfa-1507	201	28	issn	issn	PROPN
ajfa-1507	201	29	1946	1946	NUM
ajfa-1507	201	30	-	-	PUNCT
ajfa-1507	201	31	052x	052x	NOUN
ajfa-1507	201	32	2012	2012	NUM
ajfa-1507	201	33	,	,	PUNCT
ajfa-1507	201	34	vol	vol	NOUN
ajfa-1507	201	35	.	.	PROPN
ajfa-1507	201	36	4	4	NUM
ajfa-1507	201	37	,	,	PUNCT
ajfa-1507	201	38	no	no	INTJ
ajfa-1507	201	39	.	.	NOUN
ajfa-1507	201	40	1	1	NUM
ajfa-1507	201	41	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	201	42	227	227	NUM
ajfa-1507	201	43	banks	bank	NOUN
ajfa-1507	201	44	for	for	ADP
ajfa-1507	201	45	year	year	NOUN
ajfa-1507	201	46	2006	2006	NUM
ajfa-1507	201	47	-	-	SYM
ajfa-1507	201	48	2010	2010	NUM
ajfa-1507	201	49	.	.	PUNCT
ajfa-1507	202	1	the	the	DET
ajfa-1507	202	2	reasoning	reasoning	NOUN
ajfa-1507	202	3	for	for	ADP
ajfa-1507	202	4	a	a	DET
ajfa-1507	202	5	5	5	NUM
ajfa-1507	202	6	year	year	NOUN
ajfa-1507	202	7	data	datum	NOUN
ajfa-1507	202	8	test	test	NOUN
ajfa-1507	202	9	is	be	AUX
ajfa-1507	202	10	because	because	SCONJ
ajfa-1507	202	11	it	it	PRON
ajfa-1507	202	12	would	would	AUX
ajfa-1507	202	13	yield	yield	VERB
ajfa-1507	202	14	a	a	DET
ajfa-1507	202	15	better	well	ADJ
ajfa-1507	202	16	dataset	dataset	NOUN
ajfa-1507	202	17	due	due	ADP
ajfa-1507	202	18	to	to	ADP
ajfa-1507	202	19	accuracy	accuracy	NOUN
ajfa-1507	202	20	and	and	CCONJ
ajfa-1507	202	21	also	also	ADV
ajfa-1507	202	22	where	where	SCONJ
ajfa-1507	202	23	the	the	DET
ajfa-1507	202	24	islamic	islamic	ADJ
ajfa-1507	202	25	banking	banking	NOUN
ajfa-1507	202	26	system	system	NOUN
ajfa-1507	202	27	was	be	AUX
ajfa-1507	202	28	newly	newly	ADV
ajfa-1507	202	29	established	establish	VERB
ajfa-1507	202	30	it	it	PRON
ajfa-1507	202	31	would	would	AUX
ajfa-1507	202	32	have	have	AUX
ajfa-1507	202	33	had	have	VERB
ajfa-1507	202	34	sufficient	sufficient	ADJ
ajfa-1507	202	35	time	time	NOUN
ajfa-1507	202	36	to	to	PART
ajfa-1507	202	37	mature	mature	VERB
ajfa-1507	202	38	.	.	PUNCT
ajfa-1507	203	1	the	the	DET
ajfa-1507	203	2	other	other	ADJ
ajfa-1507	203	3	reasoning	reasoning	NOUN
ajfa-1507	203	4	to	to	ADP
ajfa-1507	203	5	it	it	PRON
ajfa-1507	203	6	is	be	AUX
ajfa-1507	203	7	that	that	SCONJ
ajfa-1507	203	8	it	it	PRON
ajfa-1507	203	9	would	would	AUX
ajfa-1507	203	10	also	also	ADV
ajfa-1507	203	11	be	be	AUX
ajfa-1507	203	12	able	able	ADJ
ajfa-1507	203	13	to	to	PART
ajfa-1507	203	14	monitor	monitor	VERB
ajfa-1507	203	15	the	the	DET
ajfa-1507	203	16	overall	overall	ADJ
ajfa-1507	203	17	performance	performance	NOUN
ajfa-1507	203	18	during	during	ADP
ajfa-1507	203	19	the	the	DET
ajfa-1507	203	20	recent	recent	ADJ
ajfa-1507	203	21	financial	financial	ADJ
ajfa-1507	203	22	crisis	crisis	NOUN
ajfa-1507	203	23	.	.	PUNCT
ajfa-1507	204	1	asian	asian	ADJ
ajfa-1507	204	2	journal	journal	PROPN
ajfa-1507	204	3	of	of	ADP
ajfa-1507	204	4	finance	finance	PROPN
ajfa-1507	204	5	&	&	CCONJ
ajfa-1507	204	6	accounting	accounting	PROPN
ajfa-1507	204	7	issn	issn	PROPN
ajfa-1507	204	8	1946	1946	NUM
ajfa-1507	204	9	-	-	PUNCT
ajfa-1507	204	10	052x	052x	NOUN
ajfa-1507	204	11	2012	2012	NUM
ajfa-1507	204	12	,	,	PUNCT
ajfa-1507	204	13	vol	vol	NOUN
ajfa-1507	204	14	.	.	PROPN
ajfa-1507	204	15	4	4	NUM
ajfa-1507	204	16	,	,	PUNCT
ajfa-1507	204	17	no	no	INTJ
ajfa-1507	204	18	.	.	NOUN
ajfa-1507	204	19	1	1	NUM
ajfa-1507	204	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	204	21	228	228	NUM
ajfa-1507	204	22	table	table	NOUN
ajfa-1507	204	23	1	1	NUM
ajfa-1507	204	24	.	.	PUNCT
ajfa-1507	205	1	sample	sample	NOUN
ajfa-1507	205	2	description	description	NOUN
ajfa-1507	205	3	:	:	PUNCT
ajfa-1507	205	4	number	number	NOUN
ajfa-1507	205	5	of	of	ADP
ajfa-1507	205	6	banks	bank	NOUN
ajfa-1507	205	7	and	and	CCONJ
ajfa-1507	205	8	average	average	ADJ
ajfa-1507	205	9	asset	asset	NOUN
ajfa-1507	205	10	size	size	NOUN
ajfa-1507	205	11	by	by	ADP
ajfa-1507	205	12	country	country	NOUN
ajfa-1507	205	13	islamic	islamic	PROPN
ajfa-1507	205	14	banking	banking	PROPN
ajfa-1507	205	15	(	(	PUNCT
ajfa-1507	205	16	ib	ib	NOUN
ajfa-1507	205	17	)	)	PUNCT
ajfa-1507	205	18	country	country	NOUN
ajfa-1507	205	19	/year	/year	ADP
ajfa-1507	205	20	2006	2006	NUM
ajfa-1507	205	21	2007	2007	NUM
ajfa-1507	205	22	2008	2008	NUM
ajfa-1507	205	23	2009	2009	NUM
ajfa-1507	205	24	2010	2010	NUM
ajfa-1507	205	25	total	total	NOUN
ajfa-1507	205	26	by	by	ADP
ajfa-1507	205	27	country	country	PROPN
ajfa-1507	205	28	avg	avg	PROPN
ajfa-1507	205	29	.	.	PUNCT
ajfa-1507	206	1	asset	asset	NOUN
ajfa-1507	206	2	of	of	ADP
ajfa-1507	206	3	all	all	DET
ajfa-1507	206	4	ib	ib	NOUN
ajfa-1507	206	5	in	in	ADP
ajfa-1507	206	6	2010	2010	NUM
ajfa-1507	206	7	(	(	PUNCT
ajfa-1507	206	8	milln	milln	PROPN
ajfa-1507	206	9	.	.	PUNCT
ajfa-1507	207	1	usd	usd	NOUN
ajfa-1507	207	2	)	)	PUNCT
ajfa-1507	207	3	bahrain	bahrain	NOUN
ajfa-1507	207	4	(	(	PUNCT
ajfa-1507	207	5	12	12	NUM
ajfa-1507	207	6	)	)	PUNCT
ajfa-1507	207	7	*	*	SYM
ajfa-1507	207	8	13	13	NUM
ajfa-1507	207	9	15	15	NUM
ajfa-1507	207	10	17	17	NUM
ajfa-1507	207	11	17	17	NUM
ajfa-1507	207	12	17	17	NUM
ajfa-1507	207	13	79	79	NUM
ajfa-1507	207	14	2422	2422	NUM
ajfa-1507	207	15	bangladesh	bangladesh	NOUN
ajfa-1507	207	16	(	(	PUNCT
ajfa-1507	207	17	15	15	NUM
ajfa-1507	207	18	)	)	PUNCT
ajfa-1507	207	19	3	3	NUM
ajfa-1507	207	20	3	3	NUM
ajfa-1507	207	21	3	3	NUM
ajfa-1507	207	22	3	3	NUM
ajfa-1507	207	23	3	3	NUM
ajfa-1507	207	24	15	15	NUM
ajfa-1507	207	25	709	709	NUM
ajfa-1507	207	26	egypt	egypt	PROPN
ajfa-1507	207	27	(	(	PUNCT
ajfa-1507	207	28	19	19	NUM
ajfa-1507	207	29	)	)	SYM
ajfa-1507	207	30	2	2	NUM
ajfa-1507	207	31	2	2	NUM
ajfa-1507	207	32	2	2	NUM
ajfa-1507	207	33	2	2	NUM
ajfa-1507	207	34	2	2	NUM
ajfa-1507	207	35	10	10	NUM
ajfa-1507	207	36	3854	3854	NUM
ajfa-1507	207	37	indonesia	indonesia	NOUN
ajfa-1507	207	38	(	(	PUNCT
ajfa-1507	207	39	5.5	5.5	NUM
ajfa-1507	207	40	)	)	PUNCT
ajfa-1507	207	41	3	3	NUM
ajfa-1507	207	42	3	3	NUM
ajfa-1507	207	43	4	4	NUM
ajfa-1507	207	44	4	4	NUM
ajfa-1507	207	45	4	4	NUM
ajfa-1507	207	46	18	18	NUM
ajfa-1507	207	47	1602	1602	NUM
ajfa-1507	207	48	ksa	ksa	PROPN
ajfa-1507	207	49	(	(	PUNCT
ajfa-1507	207	50	57	57	NUM
ajfa-1507	207	51	)	)	PUNCT
ajfa-1507	207	52	2	2	NUM
ajfa-1507	207	53	2	2	NUM
ajfa-1507	207	54	3	3	NUM
ajfa-1507	207	55	3	3	NUM
ajfa-1507	207	56	3	3	NUM
ajfa-1507	207	57	13	13	NUM
ajfa-1507	207	58	19897	19897	NUM
ajfa-1507	207	59	kuwait	kuwait	NOUN
ajfa-1507	207	60	(	(	PUNCT
ajfa-1507	207	61	35	35	NUM
ajfa-1507	207	62	)	)	PUNCT
ajfa-1507	207	63	3	3	NUM
ajfa-1507	207	64	3	3	NUM
ajfa-1507	207	65	3	3	NUM
ajfa-1507	207	66	3	3	NUM
ajfa-1507	207	67	3	3	NUM
ajfa-1507	207	68	15	15	NUM
ajfa-1507	207	69	17960	17960	NUM
ajfa-1507	207	70	malaysia	malaysia	NOUN
ajfa-1507	207	71	(	(	PUNCT
ajfa-1507	207	72	22.6	22.6	NUM
ajfa-1507	207	73	)	)	PUNCT
ajfa-1507	207	74	10	10	NUM
ajfa-1507	207	75	12	12	NUM
ajfa-1507	207	76	16	16	NUM
ajfa-1507	207	77	16	16	NUM
ajfa-1507	207	78	16	16	NUM
ajfa-1507	207	79	70	70	NUM
ajfa-1507	207	80	5121	5121	NUM
ajfa-1507	207	81	pakistan	pakistan	PROPN
ajfa-1507	207	82	(	(	PUNCT
ajfa-1507	207	83	6.4	6.4	NUM
ajfa-1507	207	84	)	)	PUNCT
ajfa-1507	207	85	5	5	NUM
ajfa-1507	207	86	6	6	NUM
ajfa-1507	207	87	6	6	NUM
ajfa-1507	207	88	6	6	NUM
ajfa-1507	207	89	6	6	NUM
ajfa-1507	207	90	29	29	NUM
ajfa-1507	207	91	555	555	NUM
ajfa-1507	207	92	qatar	qatar	NOUN
ajfa-1507	207	93	(	(	PUNCT
ajfa-1507	207	94	20	20	NUM
ajfa-1507	207	95	)	)	PUNCT
ajfa-1507	207	96	3	3	NUM
ajfa-1507	207	97	3	3	NUM
ajfa-1507	207	98	3	3	NUM
ajfa-1507	207	99	3	3	NUM
ajfa-1507	207	100	3	3	NUM
ajfa-1507	207	101	15	15	NUM
ajfa-1507	207	102	9668	9668	NUM
ajfa-1507	207	103	turkey	turkey	NOUN
ajfa-1507	207	104	(	(	PUNCT
ajfa-1507	207	105	4.5	4.5	NUM
ajfa-1507	207	106	)	)	PUNCT
ajfa-1507	207	107	4	4	NUM
ajfa-1507	207	108	4	4	NUM
ajfa-1507	207	109	4	4	NUM
ajfa-1507	207	110	4	4	NUM
ajfa-1507	207	111	4	4	NUM
ajfa-1507	207	112	20	20	NUM
ajfa-1507	207	113	6480	6480	NUM
ajfa-1507	207	114	uae	uae	PROPN
ajfa-1507	207	115	(	(	PUNCT
ajfa-1507	207	116	18	18	NUM
ajfa-1507	207	117	)	)	PUNCT
ajfa-1507	207	118	7	7	NUM
ajfa-1507	207	119	7	7	NUM
ajfa-1507	207	120	9	9	NUM
ajfa-1507	207	121	9	9	NUM
ajfa-1507	207	122	9	9	NUM
ajfa-1507	207	123	41	41	NUM
ajfa-1507	207	124	8458	8458	NUM
ajfa-1507	207	125	total	total	NOUN
ajfa-1507	207	126	by	by	ADP
ajfa-1507	207	127	year	year	NOUN
ajfa-1507	207	128	55	55	NUM
ajfa-1507	207	129	60	60	NUM
ajfa-1507	207	130	70	70	NUM
ajfa-1507	207	131	70	70	NUM
ajfa-1507	207	132	70	70	NUM
ajfa-1507	207	133	320	320	NUM
ajfa-1507	207	134	conventional	conventional	ADJ
ajfa-1507	207	135	banking	banking	NOUN
ajfa-1507	207	136	(	(	PUNCT
ajfa-1507	207	137	cb	cb	PROPN
ajfa-1507	207	138	)	)	PUNCT
ajfa-1507	207	139	country	country	NOUN
ajfa-1507	207	140	/year	/year	ADP
ajfa-1507	207	141	2006	2006	NUM
ajfa-1507	207	142	2007	2007	NUM
ajfa-1507	207	143	2008	2008	NUM
ajfa-1507	207	144	2009	2009	NUM
ajfa-1507	207	145	2010	2010	NUM
ajfa-1507	207	146	total	total	NOUN
ajfa-1507	207	147	by	by	ADP
ajfa-1507	207	148	country	country	PROPN
ajfa-1507	207	149	avg	avg	PROPN
ajfa-1507	207	150	.	.	PUNCT
ajfa-1507	208	1	asset	asset	NOUN
ajfa-1507	208	2	of	of	ADP
ajfa-1507	208	3	all	all	DET
ajfa-1507	208	4	cb	cb	PROPN
ajfa-1507	208	5	in	in	ADP
ajfa-1507	208	6	2010	2010	NUM
ajfa-1507	208	7	(	(	PUNCT
ajfa-1507	208	8	milln	milln	PROPN
ajfa-1507	208	9	.	.	PUNCT
ajfa-1507	209	1	usd	usd	NOUN
ajfa-1507	209	2	)	)	PUNCT
ajfa-1507	209	3	bahrain	bahrain	NOUN
ajfa-1507	209	4	9	9	NUM
ajfa-1507	209	5	9	9	NUM
ajfa-1507	209	6	9	9	NUM
ajfa-1507	209	7	9	9	NUM
ajfa-1507	209	8	9	9	NUM
ajfa-1507	209	9	45	45	NUM
ajfa-1507	209	10	10410	10410	NUM
ajfa-1507	209	11	bangladesh	bangladesh	NOUN
ajfa-1507	209	12	25	25	NUM
ajfa-1507	209	13	25	25	NUM
ajfa-1507	209	14	25	25	NUM
ajfa-1507	209	15	26	26	NUM
ajfa-1507	209	16	26	26	NUM
ajfa-1507	209	17	127	127	NUM
ajfa-1507	209	18	1815	1815	NUM
ajfa-1507	209	19	egypt	egypt	PROPN
ajfa-1507	209	20	12	12	NUM
ajfa-1507	209	21	12	12	NUM
ajfa-1507	209	22	12	12	NUM
ajfa-1507	209	23	12	12	NUM
ajfa-1507	209	24	12	12	NUM
ajfa-1507	209	25	60	60	NUM
ajfa-1507	209	26	9832	9832	NUM
ajfa-1507	209	27	indonesia	indonesia	PROPN
ajfa-1507	209	28	34	34	NUM
ajfa-1507	209	29	35	35	NUM
ajfa-1507	209	30	36	36	NUM
ajfa-1507	209	31	36	36	NUM
ajfa-1507	209	32	36	36	NUM
ajfa-1507	209	33	178	178	NUM
ajfa-1507	209	34	6897	6897	NUM
ajfa-1507	209	35	ksa	ksa	PROPN
ajfa-1507	209	36	8	8	NUM
ajfa-1507	209	37	8	8	NUM
ajfa-1507	209	38	8	8	NUM
ajfa-1507	209	39	8	8	NUM
ajfa-1507	209	40	8	8	NUM
ajfa-1507	209	41	40	40	NUM
ajfa-1507	209	42	31965	31965	NUM
ajfa-1507	209	43	kuwait	kuwait	NOUN
ajfa-1507	209	44	6	6	NUM
ajfa-1507	209	45	6	6	NUM
ajfa-1507	209	46	6	6	NUM
ajfa-1507	209	47	6	6	NUM
ajfa-1507	209	48	6	6	NUM
ajfa-1507	209	49	30	30	NUM
ajfa-1507	209	50	18712	18712	NUM
ajfa-1507	209	51	malaysia	malaysia	NOUN
ajfa-1507	209	52	13	13	NUM
ajfa-1507	209	53	13	13	NUM
ajfa-1507	209	54	13	13	NUM
ajfa-1507	209	55	13	13	NUM
ajfa-1507	209	56	13	13	NUM
ajfa-1507	209	57	65	65	NUM
ajfa-1507	209	58	35924	35924	NUM
ajfa-1507	209	59	pakistan	pakistan	PROPN
ajfa-1507	209	60	16	16	NUM
ajfa-1507	209	61	16	16	NUM
ajfa-1507	209	62	16	16	NUM
ajfa-1507	209	63	16	16	NUM
ajfa-1507	209	64	16	16	NUM
ajfa-1507	209	65	80	80	NUM
ajfa-1507	209	66	4221	4221	NUM
ajfa-1507	209	67	qatar	qatar	NOUN
ajfa-1507	209	68	5	5	NUM
ajfa-1507	209	69	5	5	NUM
ajfa-1507	209	70	5	5	NUM
ajfa-1507	209	71	6	6	NUM
ajfa-1507	209	72	6	6	NUM
ajfa-1507	209	73	27	27	NUM
ajfa-1507	209	74	17369	17369	NUM
ajfa-1507	209	75	turkey	turkey	NOUN
ajfa-1507	209	76	21	21	NUM
ajfa-1507	209	77	21	21	NUM
ajfa-1507	209	78	21	21	NUM
ajfa-1507	209	79	21	21	NUM
ajfa-1507	209	80	21	21	NUM
ajfa-1507	209	81	105	105	NUM
ajfa-1507	209	82	21275	21275	NUM
ajfa-1507	209	83	uae	uae	PROPN
ajfa-1507	209	84	11	11	NUM
ajfa-1507	209	85	12	12	NUM
ajfa-1507	209	86	12	12	NUM
ajfa-1507	209	87	12	12	NUM
ajfa-1507	209	88	12	12	NUM
ajfa-1507	209	89	59	59	NUM
ajfa-1507	209	90	24729	24729	NUM
ajfa-1507	209	91	total	total	NOUN
ajfa-1507	209	92	by	by	ADP
ajfa-1507	209	93	year	year	NOUN
ajfa-1507	209	94	160	160	NUM
ajfa-1507	209	95	162	162	NUM
ajfa-1507	209	96	163	163	NUM
ajfa-1507	209	97	165	165	NUM
ajfa-1507	209	98	165	165	NUM
ajfa-1507	209	99	816	816	NUM
ajfa-1507	209	100	source	source	NOUN
ajfa-1507	209	101	:	:	PUNCT
ajfa-1507	209	102	bankscope	bankscope	NOUN
ajfa-1507	209	103	database	database	NOUN
ajfa-1507	209	104	and	and	CCONJ
ajfa-1507	209	105	author	author	NOUN
ajfa-1507	209	106	calculation	calculation	NOUN
ajfa-1507	209	107	.	.	PUNCT
ajfa-1507	210	1	*	*	PUNCT
ajfa-1507	210	2	figure	figure	NOUN
ajfa-1507	210	3	in	in	ADP
ajfa-1507	210	4	parenthesis	parenthesis	NOUN
ajfa-1507	210	5	shows	show	VERB
ajfa-1507	210	6	islamic	islamic	ADJ
ajfa-1507	210	7	banking	banking	NOUN
ajfa-1507	210	8	asset	asset	NOUN
ajfa-1507	210	9	as	as	ADP
ajfa-1507	210	10	percentage	percentage	NOUN
ajfa-1507	210	11	of	of	ADP
ajfa-1507	210	12	total	total	ADJ
ajfa-1507	210	13	banking	banking	NOUN
ajfa-1507	210	14	asset	asset	NOUN
ajfa-1507	210	15	4	4	NUM
ajfa-1507	210	16	.	.	PUNCT
ajfa-1507	211	1	empirical	empirical	ADJ
ajfa-1507	211	2	results	result	NOUN
ajfa-1507	211	3	asian	asian	ADJ
ajfa-1507	211	4	journal	journal	NOUN
ajfa-1507	211	5	of	of	ADP
ajfa-1507	211	6	finance	finance	PROPN
ajfa-1507	211	7	&	&	CCONJ
ajfa-1507	211	8	accounting	accounting	PROPN
ajfa-1507	211	9	issn	issn	PROPN
ajfa-1507	211	10	1946	1946	NUM
ajfa-1507	211	11	-	-	PUNCT
ajfa-1507	211	12	052x	052x	NOUN
ajfa-1507	211	13	2012	2012	NUM
ajfa-1507	211	14	,	,	PUNCT
ajfa-1507	211	15	vol	vol	NOUN
ajfa-1507	211	16	.	.	PROPN
ajfa-1507	211	17	4	4	NUM
ajfa-1507	211	18	,	,	PUNCT
ajfa-1507	211	19	no	no	INTJ
ajfa-1507	211	20	.	.	NOUN
ajfa-1507	211	21	1	1	NUM
ajfa-1507	211	22	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	211	23	229	229	NUM
ajfa-1507	211	24	the	the	DET
ajfa-1507	211	25	banks	bank	NOUN
ajfa-1507	211	26	’	’	PART
ajfa-1507	211	27	efficiency	efficiency	NOUN
ajfa-1507	211	28	scores	score	NOUN
ajfa-1507	211	29	for	for	ADP
ajfa-1507	211	30	both	both	CCONJ
ajfa-1507	211	31	conventional	conventional	ADJ
ajfa-1507	211	32	and	and	CCONJ
ajfa-1507	211	33	islamic	islamic	ADJ
ajfa-1507	211	34	banking	banking	NOUN
ajfa-1507	211	35	are	be	AUX
ajfa-1507	211	36	estimated	estimate	VERB
ajfa-1507	211	37	relative	relative	ADJ
ajfa-1507	211	38	to	to	ADP
ajfa-1507	211	39	a	a	DET
ajfa-1507	211	40	common	common	ADJ
ajfa-1507	211	41	best	good	ADJ
ajfa-1507	211	42	practice	practice	NOUN
ajfa-1507	211	43	frontier	frontier	NOUN
ajfa-1507	211	44	by	by	ADP
ajfa-1507	211	45	pooling	pool	VERB
ajfa-1507	211	46	the	the	DET
ajfa-1507	211	47	data	datum	NOUN
ajfa-1507	211	48	across	across	ADP
ajfa-1507	211	49	countries	country	NOUN
ajfa-1507	211	50	.	.	PUNCT
ajfa-1507	212	1	this	this	DET
ajfa-1507	212	2	approach	approach	NOUN
ajfa-1507	212	3	allows	allow	VERB
ajfa-1507	212	4	for	for	ADP
ajfa-1507	212	5	estimating	estimate	VERB
ajfa-1507	212	6	efficiency	efficiency	NOUN
ajfa-1507	212	7	differentials	differential	NOUN
ajfa-1507	212	8	not	not	PART
ajfa-1507	212	9	only	only	ADV
ajfa-1507	212	10	between	between	ADP
ajfa-1507	212	11	banks	bank	NOUN
ajfa-1507	212	12	within	within	ADP
ajfa-1507	212	13	a	a	DET
ajfa-1507	212	14	country	country	NOUN
ajfa-1507	212	15	but	but	CCONJ
ajfa-1507	212	16	across	across	ADP
ajfa-1507	212	17	countries	country	NOUN
ajfa-1507	212	18	as	as	ADV
ajfa-1507	212	19	well	well	ADV
ajfa-1507	212	20	using	use	VERB
ajfa-1507	212	21	the	the	DET
ajfa-1507	212	22	same	same	ADJ
ajfa-1507	212	23	benchmark	benchmark	NOUN
ajfa-1507	212	24	technology	technology	NOUN
ajfa-1507	212	25	.	.	PUNCT
ajfa-1507	213	1	asian	asian	ADJ
ajfa-1507	213	2	journal	journal	PROPN
ajfa-1507	213	3	of	of	ADP
ajfa-1507	213	4	finance	finance	PROPN
ajfa-1507	213	5	&	&	CCONJ
ajfa-1507	213	6	accounting	accounting	PROPN
ajfa-1507	213	7	issn	issn	PROPN
ajfa-1507	213	8	1946	1946	NUM
ajfa-1507	213	9	-	-	PUNCT
ajfa-1507	213	10	052x	052x	NOUN
ajfa-1507	213	11	2012	2012	NUM
ajfa-1507	213	12	,	,	PUNCT
ajfa-1507	213	13	vol	vol	NOUN
ajfa-1507	213	14	.	.	PROPN
ajfa-1507	213	15	4	4	NUM
ajfa-1507	213	16	,	,	PUNCT
ajfa-1507	213	17	no	no	INTJ
ajfa-1507	213	18	.	.	NOUN
ajfa-1507	213	19	1	1	NUM
ajfa-1507	213	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	213	21	230	230	NUM
ajfa-1507	213	22	figure	figure	NOUN
ajfa-1507	213	23	1	1	NUM
ajfa-1507	213	24	.	.	PUNCT
ajfa-1507	214	1	technical	technical	ADJ
ajfa-1507	214	2	efficiency	efficiency	NOUN
ajfa-1507	214	3	scores	score	NOUN
ajfa-1507	214	4	by	by	ADP
ajfa-1507	214	5	year	year	NOUN
ajfa-1507	214	6	and	and	CCONJ
ajfa-1507	214	7	bank	bank	NOUN
ajfa-1507	214	8	type	type	NOUN
ajfa-1507	214	9	figure	figure	NOUN
ajfa-1507	214	10	1	1	NUM
ajfa-1507	214	11	(	(	PUNCT
ajfa-1507	214	12	a	a	PRON
ajfa-1507	214	13	)	)	PUNCT
ajfa-1507	214	14	illustrates	illustrate	VERB
ajfa-1507	214	15	the	the	DET
ajfa-1507	214	16	average	average	ADJ
ajfa-1507	214	17	dea	dea	PROPN
ajfa-1507	214	18	efficiency	efficiency	NOUN
ajfa-1507	214	19	scores	score	NOUN
ajfa-1507	214	20	by	by	ADP
ajfa-1507	214	21	year	year	NOUN
ajfa-1507	214	22	and	and	CCONJ
ajfa-1507	214	23	by	by	ADP
ajfa-1507	214	24	bank	bank	NOUN
ajfa-1507	214	25	type	type	NOUN
ajfa-1507	214	26	.	.	PUNCT
ajfa-1507	215	1	overall	overall	ADV
ajfa-1507	215	2	the	the	DET
ajfa-1507	215	3	result	result	NOUN
ajfa-1507	215	4	shows	show	VERB
ajfa-1507	215	5	that	that	SCONJ
ajfa-1507	215	6	on	on	ADP
ajfa-1507	215	7	an	an	DET
ajfa-1507	215	8	average	average	ADJ
ajfa-1507	215	9	technical	technical	ADJ
ajfa-1507	215	10	efficiency	efficiency	NOUN
ajfa-1507	215	11	of	of	ADP
ajfa-1507	215	12	conventional	conventional	ADJ
ajfa-1507	215	13	banks	bank	NOUN
ajfa-1507	215	14	have	have	AUX
ajfa-1507	215	15	outperformed	outperform	VERB
ajfa-1507	215	16	islamic	islamic	ADJ
ajfa-1507	215	17	banks	bank	NOUN
ajfa-1507	215	18	efficiency	efficiency	NOUN
ajfa-1507	215	19	except	except	SCONJ
ajfa-1507	215	20	for	for	ADP
ajfa-1507	215	21	year	year	NOUN
ajfa-1507	215	22	2008	2008	NUM
ajfa-1507	215	23	and	and	CCONJ
ajfa-1507	215	24	2009	2009	NUM
ajfa-1507	215	25	.	.	PUNCT
ajfa-1507	216	1	this	this	PRON
ajfa-1507	216	2	proves	prove	VERB
ajfa-1507	216	3	during	during	ADP
ajfa-1507	216	4	the	the	DET
ajfa-1507	216	5	normal	normal	ADJ
ajfa-1507	216	6	times	time	NOUN
ajfa-1507	216	7	conventional	conventional	ADJ
ajfa-1507	216	8	banks	bank	NOUN
ajfa-1507	216	9	are	be	AUX
ajfa-1507	216	10	able	able	ADJ
ajfa-1507	216	11	to	to	PART
ajfa-1507	216	12	achieve	achieve	VERB
ajfa-1507	216	13	high	high	ADJ
ajfa-1507	216	14	level	level	NOUN
ajfa-1507	216	15	of	of	ADP
ajfa-1507	216	16	technical	technical	ADJ
ajfa-1507	216	17	efficiency	efficiency	NOUN
ajfa-1507	216	18	than	than	ADP
ajfa-1507	216	19	their	their	PRON
ajfa-1507	216	20	islamic	islamic	ADJ
ajfa-1507	216	21	counterparts	counterpart	NOUN
ajfa-1507	216	22	which	which	PRON
ajfa-1507	216	23	can	can	AUX
ajfa-1507	216	24	be	be	AUX
ajfa-1507	216	25	due	due	ADJ
ajfa-1507	216	26	to	to	ADP
ajfa-1507	216	27	the	the	DET
ajfa-1507	216	28	bigger	big	ADJ
ajfa-1507	216	29	size	size	NOUN
ajfa-1507	216	30	effect	effect	NOUN
ajfa-1507	216	31	of	of	ADP
ajfa-1507	216	32	conventional	conventional	ADJ
ajfa-1507	216	33	banks	bank	NOUN
ajfa-1507	216	34	.	.	PUNCT
ajfa-1507	217	1	one	one	NUM
ajfa-1507	217	2	interesting	interesting	ADJ
ajfa-1507	217	3	observation	observation	NOUN
ajfa-1507	217	4	is	be	AUX
ajfa-1507	217	5	that	that	SCONJ
ajfa-1507	217	6	conventional	conventional	ADJ
ajfa-1507	217	7	banks	bank	NOUN
ajfa-1507	217	8	suffer	suffer	VERB
ajfa-1507	217	9	a	a	DET
ajfa-1507	217	10	big	big	ADJ
ajfa-1507	217	11	setback	setback	NOUN
ajfa-1507	217	12	during	during	ADP
ajfa-1507	217	13	crisis	crisis	NOUN
ajfa-1507	217	14	time	time	NOUN
ajfa-1507	217	15	and	and	CCONJ
ajfa-1507	217	16	were	be	AUX
ajfa-1507	217	17	outdone	outdo	VERB
ajfa-1507	217	18	by	by	ADP
ajfa-1507	217	19	islamic	islamic	ADJ
ajfa-1507	217	20	banks	bank	NOUN
ajfa-1507	217	21	.	.	PUNCT
ajfa-1507	218	1	if	if	SCONJ
ajfa-1507	218	2	we	we	PRON
ajfa-1507	218	3	focus	focus	VERB
ajfa-1507	218	4	on	on	ADP
ajfa-1507	218	5	country	country	NOUN
ajfa-1507	218	6	specific	specific	ADJ
ajfa-1507	218	7	performance	performance	NOUN
ajfa-1507	218	8	as	as	SCONJ
ajfa-1507	218	9	presented	present	VERB
ajfa-1507	218	10	in	in	ADP
ajfa-1507	218	11	figure	figure	NOUN
ajfa-1507	218	12	1(b	1(b	NUM
ajfa-1507	218	13	)	)	PUNCT
ajfa-1507	218	14	,	,	PUNCT
ajfa-1507	218	15	saudi	saudi	PROPN
ajfa-1507	218	16	arabia	arabia	PROPN
ajfa-1507	218	17	achieved	achieve	VERB
ajfa-1507	218	18	the	the	DET
ajfa-1507	218	19	highest	high	ADJ
ajfa-1507	218	20	level	level	NOUN
ajfa-1507	218	21	of	of	ADP
ajfa-1507	218	22	efficiency	efficiency	NOUN
ajfa-1507	218	23	in	in	ADP
ajfa-1507	218	24	both	both	DET
ajfa-1507	218	25	banking	banking	NOUN
ajfa-1507	218	26	system	system	NOUN
ajfa-1507	218	27	whereas	whereas	SCONJ
ajfa-1507	218	28	bahrain	bahrain	NOUN
ajfa-1507	218	29	performance	performance	NOUN
ajfa-1507	218	30	was	be	AUX
ajfa-1507	218	31	the	the	DET
ajfa-1507	218	32	worst	bad	ADJ
ajfa-1507	218	33	.	.	PUNCT
ajfa-1507	219	1	one	one	NUM
ajfa-1507	219	2	plausible	plausible	ADJ
ajfa-1507	219	3	explanation	explanation	NOUN
ajfa-1507	219	4	of	of	ADP
ajfa-1507	219	5	this	this	DET
ajfa-1507	219	6	result	result	NOUN
ajfa-1507	219	7	is	be	AUX
ajfa-1507	219	8	that	that	SCONJ
ajfa-1507	219	9	those	those	DET
ajfa-1507	219	10	countries	country	NOUN
ajfa-1507	219	11	(	(	PUNCT
ajfa-1507	219	12	ksa	ksa	PROPN
ajfa-1507	219	13	&	&	CCONJ
ajfa-1507	219	14	kuwait	kuwait	PROPN
ajfa-1507	219	15	)	)	PUNCT
ajfa-1507	219	16	which	which	PRON
ajfa-1507	219	17	have	have	VERB
ajfa-1507	219	18	high	high	ADJ
ajfa-1507	219	19	islamic	islamic	ADJ
ajfa-1507	219	20	banking	banking	NOUN
ajfa-1507	219	21	assets	asset	NOUN
ajfa-1507	219	22	as	as	ADP
ajfa-1507	219	23	of	of	ADP
ajfa-1507	219	24	total	total	ADJ
ajfa-1507	219	25	banking	banking	NOUN
ajfa-1507	219	26	assets	asset	NOUN
ajfa-1507	219	27	and	and	CCONJ
ajfa-1507	219	28	less	less	ADJ
ajfa-1507	219	29	number	number	NOUN
ajfa-1507	219	30	of	of	ADP
ajfa-1507	219	31	islamic	islamic	ADJ
ajfa-1507	219	32	banks	bank	NOUN
ajfa-1507	219	33	are	be	AUX
ajfa-1507	219	34	able	able	ADJ
ajfa-1507	219	35	to	to	PART
ajfa-1507	219	36	operate	operate	VERB
ajfa-1507	219	37	at	at	ADP
ajfa-1507	219	38	better	well	ADJ
ajfa-1507	219	39	efficiency	efficiency	NOUN
ajfa-1507	219	40	levels	level	NOUN
ajfa-1507	219	41	.	.	PUNCT
ajfa-1507	220	1	this	this	PRON
ajfa-1507	220	2	gives	give	VERB
ajfa-1507	220	3	an	an	DET
ajfa-1507	220	4	insight	insight	NOUN
ajfa-1507	220	5	that	that	SCONJ
ajfa-1507	220	6	with	with	ADP
ajfa-1507	220	7	lesser	less	ADJ
ajfa-1507	220	8	competition	competition	NOUN
ajfa-1507	220	9	from	from	ADP
ajfa-1507	220	10	similar	similar	ADJ
ajfa-1507	220	11	type	type	NOUN
ajfa-1507	220	12	of	of	ADP
ajfa-1507	220	13	banks	bank	NOUN
ajfa-1507	220	14	yield	yield	VERB
ajfa-1507	220	15	higher	high	ADJ
ajfa-1507	220	16	efficiency	efficiency	NOUN
ajfa-1507	220	17	level	level	NOUN
ajfa-1507	220	18	.	.	PUNCT
ajfa-1507	221	1	asian	asian	ADJ
ajfa-1507	221	2	journal	journal	PROPN
ajfa-1507	221	3	of	of	ADP
ajfa-1507	221	4	finance	finance	PROPN
ajfa-1507	221	5	&	&	CCONJ
ajfa-1507	221	6	accounting	accounting	PROPN
ajfa-1507	221	7	issn	issn	PROPN
ajfa-1507	221	8	1946	1946	NUM
ajfa-1507	221	9	-	-	PUNCT
ajfa-1507	221	10	052x	052x	NOUN
ajfa-1507	221	11	2012	2012	NUM
ajfa-1507	221	12	,	,	PUNCT
ajfa-1507	221	13	vol	vol	NOUN
ajfa-1507	221	14	.	.	PROPN
ajfa-1507	221	15	4	4	NUM
ajfa-1507	221	16	,	,	PUNCT
ajfa-1507	221	17	no	no	INTJ
ajfa-1507	221	18	.	.	NOUN
ajfa-1507	221	19	1	1	NUM
ajfa-1507	221	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	221	21	231	231	NUM
ajfa-1507	221	22	figure	figure	NOUN
ajfa-1507	221	23	2	2	NUM
ajfa-1507	221	24	.	.	PUNCT
ajfa-1507	222	1	technical	technical	ADJ
ajfa-1507	222	2	efficiency	efficiency	NOUN
ajfa-1507	222	3	scores	score	NOUN
ajfa-1507	222	4	by	by	ADP
ajfa-1507	222	5	country	country	NOUN
ajfa-1507	222	6	and	and	CCONJ
ajfa-1507	222	7	bank	bank	NOUN
ajfa-1507	222	8	type	type	NOUN
ajfa-1507	222	9	the	the	DET
ajfa-1507	222	10	next	next	ADJ
ajfa-1507	222	11	section	section	NOUN
ajfa-1507	222	12	of	of	ADP
ajfa-1507	222	13	analysis	analysis	NOUN
ajfa-1507	222	14	deals	deal	NOUN
ajfa-1507	222	15	with	with	ADP
ajfa-1507	222	16	the	the	DET
ajfa-1507	222	17	impact	impact	NOUN
ajfa-1507	222	18	of	of	ADP
ajfa-1507	222	19	regulatory	regulatory	ADJ
ajfa-1507	222	20	and	and	CCONJ
ajfa-1507	222	21	supervisory	supervisory	ADJ
ajfa-1507	222	22	structures	structure	NOUN
ajfa-1507	222	23	on	on	ADP
ajfa-1507	222	24	banks	bank	NOUN
ajfa-1507	222	25	’	’	PART
ajfa-1507	222	26	efficiency	efficiency	NOUN
ajfa-1507	222	27	and	and	CCONJ
ajfa-1507	222	28	risk	risk	NOUN
ajfa-1507	222	29	taking	take	VERB
ajfa-1507	222	30	behaviour	behaviour	NOUN
ajfa-1507	222	31	.	.	PUNCT
ajfa-1507	223	1	first	first	ADV
ajfa-1507	223	2	we	we	PRON
ajfa-1507	223	3	will	will	AUX
ajfa-1507	223	4	regress	regress	ADJ
ajfa-1507	223	5	dea	dea	VERB
ajfa-1507	223	6	inefficiency	inefficiency	NOUN
ajfa-1507	223	7	scores	score	NOUN
ajfa-1507	223	8	against	against	ADP
ajfa-1507	223	9	bank	bank	PROPN
ajfa-1507	223	10	regulatory	regulatory	ADJ
ajfa-1507	223	11	and	and	CCONJ
ajfa-1507	223	12	supervisory	supervisory	ADJ
ajfa-1507	223	13	practices	practice	NOUN
ajfa-1507	223	14	in	in	ADP
ajfa-1507	223	15	the	the	DET
ajfa-1507	223	16	presence	presence	NOUN
ajfa-1507	223	17	of	of	ADP
ajfa-1507	223	18	bank	bank	NOUN
ajfa-1507	223	19	specific	specific	ADJ
ajfa-1507	223	20	variables	variable	NOUN
ajfa-1507	223	21	and	and	CCONJ
ajfa-1507	223	22	then	then	ADV
ajfa-1507	223	23	next	next	ADJ
ajfa-1507	223	24	regression	regression	NOUN
ajfa-1507	223	25	will	will	AUX
ajfa-1507	223	26	use	use	VERB
ajfa-1507	223	27	loan	loan	NOUN
ajfa-1507	223	28	loss	loss	NOUN
ajfa-1507	223	29	reserve	reserve	NOUN
ajfa-1507	223	30	(	(	PUNCT
ajfa-1507	223	31	llr	llr	NOUN
ajfa-1507	223	32	)	)	PUNCT
ajfa-1507	223	33	as	as	ADP
ajfa-1507	223	34	dependent	dependent	ADJ
ajfa-1507	223	35	variable	variable	NOUN
ajfa-1507	223	36	with	with	ADP
ajfa-1507	223	37	regulatory	regulatory	ADJ
ajfa-1507	223	38	and	and	CCONJ
ajfa-1507	223	39	supervisory	supervisory	ADJ
ajfa-1507	223	40	practices	practice	NOUN
ajfa-1507	223	41	as	as	ADP
ajfa-1507	223	42	independent	independent	ADJ
ajfa-1507	223	43	variables	variable	NOUN
ajfa-1507	223	44	in	in	ADP
ajfa-1507	223	45	presence	presence	NOUN
ajfa-1507	223	46	of	of	ADP
ajfa-1507	223	47	bank	bank	NOUN
ajfa-1507	223	48	specific	specific	ADJ
ajfa-1507	223	49	variables	variable	NOUN
ajfa-1507	223	50	.	.	PUNCT
ajfa-1507	224	1	the	the	DET
ajfa-1507	224	2	results	result	NOUN
ajfa-1507	224	3	of	of	ADP
ajfa-1507	224	4	regression	regression	NOUN
ajfa-1507	224	5	are	be	AUX
ajfa-1507	224	6	reported	report	VERB
ajfa-1507	224	7	in	in	ADP
ajfa-1507	224	8	table	table	NOUN
ajfa-1507	224	9	2	2	NUM
ajfa-1507	224	10	and	and	CCONJ
ajfa-1507	224	11	3	3	NUM
ajfa-1507	224	12	.	.	X
ajfa-1507	225	1	each	each	DET
ajfa-1507	225	2	table	table	NOUN
ajfa-1507	225	3	present	present	ADJ
ajfa-1507	225	4	output	output	NOUN
ajfa-1507	225	5	for	for	ADP
ajfa-1507	225	6	overall	overall	ADJ
ajfa-1507	225	7	sample	sample	NOUN
ajfa-1507	225	8	,	,	PUNCT
ajfa-1507	225	9	conventional	conventional	ADJ
ajfa-1507	225	10	bank	bank	NOUN
ajfa-1507	225	11	and	and	CCONJ
ajfa-1507	225	12	islamic	islamic	PROPN
ajfa-1507	225	13	bank	bank	PROPN
ajfa-1507	225	14	sample	sample	NOUN
ajfa-1507	225	15	.	.	PUNCT
ajfa-1507	226	1	estimates	estimate	NOUN
ajfa-1507	226	2	from	from	ADP
ajfa-1507	226	3	the	the	DET
ajfa-1507	226	4	inefficiency	inefficiency	NOUN
ajfa-1507	226	5	equation	equation	NOUN
ajfa-1507	226	6	(	(	PUNCT
ajfa-1507	226	7	equation	equation	NOUN
ajfa-1507	226	8	2	2	NUM
ajfa-1507	226	9	)	)	PUNCT
ajfa-1507	226	10	derived	derive	VERB
ajfa-1507	226	11	from	from	ADP
ajfa-1507	226	12	the	the	DET
ajfa-1507	226	13	simultaneous	simultaneous	ADJ
ajfa-1507	226	14	estimation	estimation	NOUN
ajfa-1507	226	15	are	be	AUX
ajfa-1507	226	16	reported	report	VERB
ajfa-1507	226	17	in	in	ADP
ajfa-1507	226	18	table	table	NOUN
ajfa-1507	226	19	2	2	NUM
ajfa-1507	226	20	.	.	PUNCT
ajfa-1507	227	1	the	the	DET
ajfa-1507	227	2	inefficiency	inefficiency	NOUN
ajfa-1507	227	3	equation	equation	NOUN
ajfa-1507	227	4	uses	use	VERB
ajfa-1507	227	5	inefficiency	inefficiency	NOUN
ajfa-1507	227	6	estimates	estimate	NOUN
ajfa-1507	227	7	(	(	PUNCT
ajfa-1507	227	8	ineffij	ineffij	NOUN
ajfa-1507	227	9	)	)	PUNCT
ajfa-1507	227	10	obtained	obtain	VERB
ajfa-1507	227	11	from	from	ADP
ajfa-1507	227	12	dea	dea	PROPN
ajfa-1507	227	13	used	use	VERB
ajfa-1507	227	14	in	in	ADP
ajfa-1507	227	15	equation	equation	NOUN
ajfa-1507	227	16	1	1	NUM
ajfa-1507	227	17	as	as	ADP
ajfa-1507	227	18	the	the	DET
ajfa-1507	227	19	dependent	dependent	ADJ
ajfa-1507	227	20	variable	variable	NOUN
ajfa-1507	227	21	.	.	PUNCT
ajfa-1507	228	1	the	the	DET
ajfa-1507	228	2	columns	column	NOUN
ajfa-1507	228	3	report	report	VERB
ajfa-1507	228	4	the	the	DET
ajfa-1507	228	5	results	result	NOUN
ajfa-1507	228	6	obtained	obtain	VERB
ajfa-1507	228	7	for	for	ADP
ajfa-1507	228	8	three	three	NUM
ajfa-1507	228	9	estimations	estimation	NOUN
ajfa-1507	228	10	of	of	ADP
ajfa-1507	228	11	the	the	DET
ajfa-1507	228	12	system	system	NOUN
ajfa-1507	228	13	–	–	PUNCT
ajfa-1507	228	14	for	for	ADP
ajfa-1507	228	15	all	all	DET
ajfa-1507	228	16	banks	bank	NOUN
ajfa-1507	228	17	,	,	PUNCT
ajfa-1507	228	18	conventional	conventional	ADJ
ajfa-1507	228	19	banks	bank	NOUN
ajfa-1507	228	20	and	and	CCONJ
ajfa-1507	228	21	islamic	islamic	ADJ
ajfa-1507	228	22	banks	bank	NOUN
ajfa-1507	228	23	in	in	ADP
ajfa-1507	228	24	our	our	PRON
ajfa-1507	228	25	sample	sample	NOUN
ajfa-1507	228	26	.	.	PUNCT
ajfa-1507	229	1	it	it	PRON
ajfa-1507	229	2	can	can	AUX
ajfa-1507	229	3	be	be	AUX
ajfa-1507	229	4	observed	observe	VERB
ajfa-1507	229	5	from	from	ADP
ajfa-1507	229	6	table	table	NOUN
ajfa-1507	229	7	2	2	NUM
ajfa-1507	229	8	that	that	PRON
ajfa-1507	229	9	spower	spower	NOUN
ajfa-1507	229	10	has	have	VERB
ajfa-1507	229	11	a	a	DET
ajfa-1507	229	12	statistically	statistically	ADV
ajfa-1507	229	13	significant	significant	ADJ
ajfa-1507	229	14	and	and	CCONJ
ajfa-1507	229	15	negative	negative	ADJ
ajfa-1507	229	16	impact	impact	NOUN
ajfa-1507	229	17	on	on	ADP
ajfa-1507	229	18	both	both	PRON
ajfa-1507	229	19	overall	overall	ADJ
ajfa-1507	229	20	sample	sample	NOUN
ajfa-1507	229	21	and	and	CCONJ
ajfa-1507	229	22	islamic	islamic	ADJ
ajfa-1507	229	23	banks	bank	NOUN
ajfa-1507	229	24	but	but	CCONJ
ajfa-1507	229	25	positive	positive	ADJ
ajfa-1507	229	26	impact	impact	NOUN
ajfa-1507	229	27	for	for	ADP
ajfa-1507	229	28	conventional	conventional	ADJ
ajfa-1507	229	29	banks	bank	NOUN
ajfa-1507	229	30	.	.	PUNCT
ajfa-1507	230	1	in	in	ADP
ajfa-1507	230	2	other	other	ADJ
ajfa-1507	230	3	words	word	NOUN
ajfa-1507	230	4	,	,	PUNCT
ajfa-1507	230	5	higher	high	ADJ
ajfa-1507	230	6	supervisory	supervisory	ADJ
ajfa-1507	230	7	power	power	NOUN
ajfa-1507	230	8	increases	increase	VERB
ajfa-1507	230	9	the	the	DET
ajfa-1507	230	10	technical	technical	ADJ
ajfa-1507	230	11	efficiency	efficiency	NOUN
ajfa-1507	230	12	of	of	ADP
ajfa-1507	230	13	islamic	islamic	ADJ
ajfa-1507	230	14	banks	bank	NOUN
ajfa-1507	230	15	but	but	CCONJ
ajfa-1507	230	16	reduces	reduce	VERB
ajfa-1507	230	17	the	the	DET
ajfa-1507	230	18	efficiency	efficiency	NOUN
ajfa-1507	230	19	of	of	ADP
ajfa-1507	230	20	conventional	conventional	ADJ
ajfa-1507	230	21	banks	bank	NOUN
ajfa-1507	230	22	.	.	PUNCT
ajfa-1507	231	1	it	it	PRON
ajfa-1507	231	2	can	can	AUX
ajfa-1507	231	3	be	be	AUX
ajfa-1507	231	4	due	due	ADJ
ajfa-1507	231	5	to	to	ADP
ajfa-1507	231	6	the	the	DET
ajfa-1507	231	7	fact	fact	NOUN
ajfa-1507	231	8	that	that	SCONJ
ajfa-1507	231	9	islamic	islamic	ADJ
ajfa-1507	231	10	banks	bank	NOUN
ajfa-1507	231	11	apart	apart	ADV
ajfa-1507	231	12	from	from	ADP
ajfa-1507	231	13	national	national	ADJ
ajfa-1507	231	14	banking	banking	NOUN
ajfa-1507	231	15	laws	law	NOUN
ajfa-1507	231	16	are	be	AUX
ajfa-1507	231	17	also	also	ADV
ajfa-1507	231	18	governed	govern	VERB
ajfa-1507	231	19	by	by	ADP
ajfa-1507	231	20	shariah	shariah	PROPN
ajfa-1507	231	21	laws	law	NOUN
ajfa-1507	231	22	which	which	PRON
ajfa-1507	231	23	are	be	AUX
ajfa-1507	231	24	keeping	keep	VERB
ajfa-1507	231	25	in	in	ADP
ajfa-1507	231	26	check	check	NOUN
ajfa-1507	231	27	some	some	DET
ajfa-1507	231	28	undesired	undesired	ADJ
ajfa-1507	231	29	activities	activity	NOUN
ajfa-1507	231	30	of	of	ADP
ajfa-1507	231	31	islamic	islamic	ADJ
ajfa-1507	231	32	banks	bank	NOUN
ajfa-1507	231	33	thus	thus	ADV
ajfa-1507	231	34	increasing	increase	VERB
ajfa-1507	231	35	their	their	PRON
ajfa-1507	231	36	given	give	VERB
ajfa-1507	231	37	efficiency	efficiency	NOUN
ajfa-1507	231	38	level	level	NOUN
ajfa-1507	231	39	.	.	PUNCT
ajfa-1507	232	1	conventional	conventional	ADJ
ajfa-1507	232	2	bank	bank	NOUN
ajfa-1507	232	3	since	since	SCONJ
ajfa-1507	232	4	facing	face	VERB
ajfa-1507	232	5	some	some	DET
ajfa-1507	232	6	competition	competition	NOUN
ajfa-1507	232	7	from	from	ADP
ajfa-1507	232	8	islamic	islamic	ADJ
ajfa-1507	232	9	counterpart	counterpart	NOUN
ajfa-1507	232	10	has	have	AUX
ajfa-1507	232	11	shown	show	VERB
ajfa-1507	232	12	decline	decline	NOUN
ajfa-1507	232	13	in	in	ADP
ajfa-1507	232	14	efficiency	efficiency	NOUN
ajfa-1507	232	15	with	with	ADP
ajfa-1507	232	16	strict	strict	ADJ
ajfa-1507	232	17	supervisory	supervisory	ADJ
ajfa-1507	232	18	power	power	NOUN
ajfa-1507	232	19	.	.	PUNCT
ajfa-1507	233	1	our	our	PRON
ajfa-1507	233	2	result	result	NOUN
ajfa-1507	233	3	for	for	ADP
ajfa-1507	233	4	islamic	islamic	ADJ
ajfa-1507	233	5	banks	bank	NOUN
ajfa-1507	233	6	is	be	AUX
ajfa-1507	233	7	consistent	consistent	ADJ
ajfa-1507	233	8	with	with	ADP
ajfa-1507	233	9	the	the	DET
ajfa-1507	233	10	findings	finding	NOUN
ajfa-1507	233	11	of	of	ADP
ajfa-1507	233	12	pasiouras	pasioura	NOUN
ajfa-1507	233	13	(	(	PUNCT
ajfa-1507	233	14	2008	2008	NUM
ajfa-1507	233	15	)	)	PUNCT
ajfa-1507	233	16	for	for	ADP
ajfa-1507	233	17	technical	technical	ADJ
ajfa-1507	233	18	efficiency	efficiency	NOUN
ajfa-1507	233	19	.	.	PUNCT
ajfa-1507	234	1	thus	thus	ADV
ajfa-1507	234	2	,	,	PUNCT
ajfa-1507	234	3	we	we	PRON
ajfa-1507	234	4	find	find	VERB
ajfa-1507	234	5	evidence	evidence	NOUN
ajfa-1507	234	6	to	to	PART
ajfa-1507	234	7	support	support	VERB
ajfa-1507	234	8	the	the	DET
ajfa-1507	234	9	argument	argument	NOUN
ajfa-1507	234	10	of	of	ADP
ajfa-1507	234	11	the	the	DET
ajfa-1507	234	12	official	official	ADJ
ajfa-1507	234	13	supervision	supervision	NOUN
ajfa-1507	234	14	approach	approach	NOUN
ajfa-1507	234	15	that	that	SCONJ
ajfa-1507	234	16	powerful	powerful	ADJ
ajfa-1507	234	17	official	official	ADJ
ajfa-1507	234	18	supervision	supervision	NOUN
ajfa-1507	234	19	can	can	AUX
ajfa-1507	234	20	improve	improve	VERB
ajfa-1507	234	21	the	the	DET
ajfa-1507	234	22	corporate	corporate	ADJ
ajfa-1507	234	23	governance	governance	NOUN
ajfa-1507	234	24	of	of	ADP
ajfa-1507	234	25	banks	bank	NOUN
ajfa-1507	234	26	(	(	PUNCT
ajfa-1507	234	27	stigler	stigler	NOUN
ajfa-1507	234	28	,	,	PUNCT
ajfa-1507	234	29	1971	1971	NUM
ajfa-1507	234	30	)	)	PUNCT
ajfa-1507	234	31	.	.	PUNCT
ajfa-1507	235	1	this	this	DET
ajfa-1507	235	2	efficiency	efficiency	NOUN
ajfa-1507	235	3	increases	increase	VERB
ajfa-1507	235	4	further	far	ADV
ajfa-1507	235	5	if	if	SCONJ
ajfa-1507	235	6	we	we	PRON
ajfa-1507	235	7	have	have	VERB
ajfa-1507	235	8	some	some	DET
ajfa-1507	235	9	inbuilt	inbuilt	ADJ
ajfa-1507	235	10	supervisory	supervisory	ADJ
ajfa-1507	235	11	mechanism	mechanism	NOUN
ajfa-1507	235	12	as	as	SCONJ
ajfa-1507	235	13	embedded	embed	VERB
ajfa-1507	235	14	in	in	ADP
ajfa-1507	235	15	islamic	islamic	ADJ
ajfa-1507	235	16	banking	banking	NOUN
ajfa-1507	235	17	system	system	NOUN
ajfa-1507	235	18	.	.	PUNCT
ajfa-1507	236	1	capitrq	capitrq	PROPN
ajfa-1507	236	2	has	have	VERB
ajfa-1507	236	3	a	a	DET
ajfa-1507	236	4	negative	negative	ADJ
ajfa-1507	236	5	and	and	CCONJ
ajfa-1507	236	6	statistically	statistically	ADV
ajfa-1507	236	7	significant	significant	ADJ
ajfa-1507	236	8	impact	impact	NOUN
ajfa-1507	236	9	on	on	ADP
ajfa-1507	236	10	inefficiency	inefficiency	NOUN
ajfa-1507	236	11	on	on	ADP
ajfa-1507	236	12	both	both	CCONJ
ajfa-1507	236	13	islamic	islamic	ADJ
ajfa-1507	236	14	and	and	CCONJ
ajfa-1507	236	15	conventional	conventional	ADJ
ajfa-1507	236	16	banks	bank	NOUN
ajfa-1507	236	17	.	.	PUNCT
ajfa-1507	237	1	therefore	therefore	ADV
ajfa-1507	237	2	,	,	PUNCT
ajfa-1507	237	3	higher	high	ADJ
ajfa-1507	237	4	capital	capital	NOUN
ajfa-1507	237	5	requirements	requirement	NOUN
ajfa-1507	237	6	increase	increase	VERB
ajfa-1507	237	7	the	the	DET
ajfa-1507	237	8	technical	technical	ADJ
ajfa-1507	237	9	asian	asian	ADJ
ajfa-1507	237	10	journal	journal	NOUN
ajfa-1507	237	11	of	of	ADP
ajfa-1507	237	12	finance	finance	PROPN
ajfa-1507	237	13	&	&	CCONJ
ajfa-1507	237	14	accounting	accounting	PROPN
ajfa-1507	237	15	issn	issn	PROPN
ajfa-1507	237	16	1946	1946	NUM
ajfa-1507	237	17	-	-	PUNCT
ajfa-1507	237	18	052x	052x	NOUN
ajfa-1507	237	19	2012	2012	NUM
ajfa-1507	237	20	,	,	PUNCT
ajfa-1507	237	21	vol	vol	NOUN
ajfa-1507	237	22	.	.	PROPN
ajfa-1507	237	23	4	4	NUM
ajfa-1507	237	24	,	,	PUNCT
ajfa-1507	237	25	no	no	INTJ
ajfa-1507	237	26	.	.	NOUN
ajfa-1507	237	27	1	1	NUM
ajfa-1507	237	28	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	237	29	232	232	NUM
ajfa-1507	237	30	efficiency	efficiency	NOUN
ajfa-1507	237	31	of	of	ADP
ajfa-1507	237	32	banks	bank	NOUN
ajfa-1507	237	33	.	.	PUNCT
ajfa-1507	238	1	this	this	PRON
ajfa-1507	238	2	could	could	AUX
ajfa-1507	238	3	be	be	AUX
ajfa-1507	238	4	explained	explain	VERB
ajfa-1507	238	5	by	by	ADP
ajfa-1507	238	6	a	a	DET
ajfa-1507	238	7	number	number	NOUN
ajfa-1507	238	8	of	of	ADP
ajfa-1507	238	9	reasons	reason	NOUN
ajfa-1507	238	10	.	.	PUNCT
ajfa-1507	239	1	for	for	ADP
ajfa-1507	239	2	instance	instance	NOUN
ajfa-1507	239	3	,	,	PUNCT
ajfa-1507	239	4	vanhoose	vanhoose	NOUN
ajfa-1507	239	5	(	(	PUNCT
ajfa-1507	239	6	2007	2007	NUM
ajfa-1507	239	7	)	)	PUNCT
ajfa-1507	239	8	mention	mention	VERB
ajfa-1507	239	9	that	that	SCONJ
ajfa-1507	239	10	high	high	ADJ
ajfa-1507	239	11	capital	capital	NOUN
ajfa-1507	239	12	requirements	requirement	NOUN
ajfa-1507	239	13	may	may	AUX
ajfa-1507	239	14	result	result	VERB
ajfa-1507	239	15	in	in	ADP
ajfa-1507	239	16	lower	low	ADJ
ajfa-1507	239	17	levels	level	NOUN
ajfa-1507	239	18	of	of	ADP
ajfa-1507	239	19	bad	bad	ADJ
ajfa-1507	239	20	loans	loan	NOUN
ajfa-1507	239	21	thus	thus	ADV
ajfa-1507	239	22	reducing	reduce	VERB
ajfa-1507	239	23	the	the	DET
ajfa-1507	239	24	probability	probability	NOUN
ajfa-1507	239	25	of	of	ADP
ajfa-1507	239	26	financial	financial	ADJ
ajfa-1507	239	27	distress	distress	NOUN
ajfa-1507	239	28	,	,	PUNCT
ajfa-1507	239	29	which	which	PRON
ajfa-1507	239	30	also	also	ADV
ajfa-1507	239	31	increases	increase	VERB
ajfa-1507	239	32	the	the	DET
ajfa-1507	239	33	importance	importance	NOUN
ajfa-1507	239	34	of	of	ADP
ajfa-1507	239	35	substitutes	substitute	NOUN
ajfa-1507	239	36	for	for	ADP
ajfa-1507	239	37	other	other	ADJ
ajfa-1507	239	38	potentially	potentially	ADV
ajfa-1507	239	39	higher	high	ADJ
ajfa-1507	239	40	earning	earning	NOUN
ajfa-1507	239	41	activities	activity	NOUN
ajfa-1507	239	42	such	such	ADJ
ajfa-1507	239	43	as	as	ADP
ajfa-1507	239	44	investment	investment	NOUN
ajfa-1507	239	45	activities	activity	NOUN
ajfa-1507	239	46	.	.	PUNCT
ajfa-1507	240	1	if	if	SCONJ
ajfa-1507	240	2	we	we	PRON
ajfa-1507	240	3	focus	focus	VERB
ajfa-1507	240	4	on	on	ADP
ajfa-1507	240	5	prmonit	prmonit	ADJ
ajfa-1507	240	6	variable	variable	NOUN
ajfa-1507	240	7	we	we	PRON
ajfa-1507	240	8	find	find	VERB
ajfa-1507	240	9	negative	negative	ADJ
ajfa-1507	240	10	impact	impact	NOUN
ajfa-1507	240	11	on	on	ADP
ajfa-1507	240	12	islamic	islamic	ADJ
ajfa-1507	240	13	bank	bank	PROPN
ajfa-1507	240	14	inefficiency	inefficiency	NOUN
ajfa-1507	240	15	and	and	CCONJ
ajfa-1507	240	16	direct	direct	ADJ
ajfa-1507	240	17	impact	impact	NOUN
ajfa-1507	240	18	on	on	ADP
ajfa-1507	240	19	inefficiency	inefficiency	NOUN
ajfa-1507	240	20	of	of	ADP
ajfa-1507	240	21	conventional	conventional	ADJ
ajfa-1507	240	22	banks	bank	NOUN
ajfa-1507	240	23	.	.	PUNCT
ajfa-1507	241	1	in	in	ADP
ajfa-1507	241	2	other	other	ADJ
ajfa-1507	241	3	words	word	NOUN
ajfa-1507	241	4	higher	high	ADJ
ajfa-1507	241	5	the	the	DET
ajfa-1507	241	6	level	level	NOUN
ajfa-1507	241	7	of	of	ADP
ajfa-1507	241	8	scrutiny	scrutiny	NOUN
ajfa-1507	241	9	by	by	ADP
ajfa-1507	241	10	regulatory	regulatory	ADJ
ajfa-1507	241	11	body	body	NOUN
ajfa-1507	241	12	islamic	islamic	ADJ
ajfa-1507	241	13	banks	bank	NOUN
ajfa-1507	241	14	were	be	AUX
ajfa-1507	241	15	able	able	ADJ
ajfa-1507	241	16	to	to	PART
ajfa-1507	241	17	operate	operate	VERB
ajfa-1507	241	18	at	at	ADP
ajfa-1507	241	19	high	high	ADJ
ajfa-1507	241	20	efficiency	efficiency	NOUN
ajfa-1507	241	21	level	level	NOUN
ajfa-1507	241	22	but	but	CCONJ
ajfa-1507	241	23	not	not	PART
ajfa-1507	241	24	the	the	DET
ajfa-1507	241	25	case	case	NOUN
ajfa-1507	241	26	for	for	ADP
ajfa-1507	241	27	conventional	conventional	ADJ
ajfa-1507	241	28	banks	bank	NOUN
ajfa-1507	241	29	.	.	PUNCT
ajfa-1507	242	1	this	this	PRON
ajfa-1507	242	2	can	can	AUX
ajfa-1507	242	3	be	be	AUX
ajfa-1507	242	4	due	due	ADJ
ajfa-1507	242	5	to	to	PART
ajfa-1507	242	6	fact	fact	VERB
ajfa-1507	242	7	islamic	islamic	ADJ
ajfa-1507	242	8	banks	bank	NOUN
ajfa-1507	242	9	incorporate	incorporate	VERB
ajfa-1507	242	10	both	both	DET
ajfa-1507	242	11	high	high	ADJ
ajfa-1507	242	12	corporate	corporate	ADJ
ajfa-1507	242	13	governance	governance	NOUN
ajfa-1507	242	14	level	level	NOUN
ajfa-1507	242	15	as	as	ADP
ajfa-1507	242	16	well	well	ADV
ajfa-1507	242	17	shariah	shariah	PROPN
ajfa-1507	242	18	governance	governance	NOUN
ajfa-1507	242	19	level	level	NOUN
ajfa-1507	242	20	which	which	PRON
ajfa-1507	242	21	help	help	VERB
ajfa-1507	242	22	them	they	PRON
ajfa-1507	242	23	to	to	PART
ajfa-1507	242	24	reduce	reduce	VERB
ajfa-1507	242	25	corruption	corruption	NOUN
ajfa-1507	242	26	and	and	CCONJ
ajfa-1507	242	27	ambiguity	ambiguity	NOUN
ajfa-1507	242	28	in	in	ADP
ajfa-1507	242	29	bank	bank	NOUN
ajfa-1507	242	30	lending	lending	NOUN
ajfa-1507	242	31	,	,	PUNCT
ajfa-1507	242	32	and	and	CCONJ
ajfa-1507	242	33	improve	improve	VERB
ajfa-1507	242	34	the	the	DET
ajfa-1507	242	35	functioning	functioning	NOUN
ajfa-1507	242	36	of	of	ADP
ajfa-1507	242	37	islamic	islamic	ADJ
ajfa-1507	242	38	banks	bank	NOUN
ajfa-1507	242	39	as	as	ADP
ajfa-1507	242	40	true	true	ADJ
ajfa-1507	242	41	financial	financial	ADJ
ajfa-1507	242	42	intermediaries	intermediary	NOUN
ajfa-1507	242	43	.	.	PUNCT
ajfa-1507	243	1	as	as	SCONJ
ajfa-1507	243	2	fernandez	fernandez	PROPN
ajfa-1507	243	3	and	and	CCONJ
ajfa-1507	243	4	gonzalez	gonzalez	PROPN
ajfa-1507	243	5	(	(	PUNCT
ajfa-1507	243	6	2005	2005	NUM
ajfa-1507	243	7	)	)	PUNCT
ajfa-1507	243	8	mention	mention	NOUN
ajfa-1507	243	9	,	,	PUNCT
ajfa-1507	243	10	under	under	ADP
ajfa-1507	243	11	this	this	DET
ajfa-1507	243	12	combined	combine	VERB
ajfa-1507	243	13	approach	approach	NOUN
ajfa-1507	243	14	of	of	ADP
ajfa-1507	243	15	higher	high	ADJ
ajfa-1507	243	16	spower	spower	NOUN
ajfa-1507	243	17	and	and	CCONJ
ajfa-1507	243	18	prmonit	prmonit	NOUN
ajfa-1507	243	19	,	,	PUNCT
ajfa-1507	243	20	a	a	DET
ajfa-1507	243	21	greater	great	ADJ
ajfa-1507	243	22	quality	quality	NOUN
ajfa-1507	243	23	of	of	ADP
ajfa-1507	243	24	information	information	NOUN
ajfa-1507	243	25	provided	provide	VERB
ajfa-1507	243	26	by	by	ADP
ajfa-1507	243	27	a	a	DET
ajfa-1507	243	28	system	system	NOUN
ajfa-1507	243	29	that	that	PRON
ajfa-1507	243	30	enhances	enhance	VERB
ajfa-1507	243	31	private	private	ADJ
ajfa-1507	243	32	monitoring	monitoring	NOUN
ajfa-1507	243	33	through	through	ADP
ajfa-1507	243	34	accounting	accounting	NOUN
ajfa-1507	243	35	and	and	CCONJ
ajfa-1507	243	36	auditing	auditing	NOUN
ajfa-1507	243	37	requirements	requirement	NOUN
ajfa-1507	243	38	might	might	AUX
ajfa-1507	243	39	boost	boost	VERB
ajfa-1507	243	40	supervisors	supervisor	NOUN
ajfa-1507	243	41	’	'	PUNCT
ajfa-1507	243	42	abilities	ability	NOUN
ajfa-1507	243	43	to	to	PART
ajfa-1507	243	44	intervene	intervene	VERB
ajfa-1507	243	45	in	in	ADP
ajfa-1507	243	46	managerial	managerial	ADJ
ajfa-1507	243	47	decisions	decision	NOUN
ajfa-1507	243	48	in	in	ADP
ajfa-1507	243	49	the	the	DET
ajfa-1507	243	50	right	right	ADJ
ajfa-1507	243	51	way	way	NOUN
ajfa-1507	243	52	and	and	CCONJ
ajfa-1507	243	53	at	at	ADP
ajfa-1507	243	54	the	the	DET
ajfa-1507	243	55	right	right	ADJ
ajfa-1507	243	56	time	time	NOUN
ajfa-1507	243	57	.	.	PUNCT
ajfa-1507	244	1	turning	turn	VERB
ajfa-1507	244	2	to	to	ADP
ajfa-1507	244	3	our	our	PRON
ajfa-1507	244	4	last	last	ADJ
ajfa-1507	244	5	regulatory	regulatory	ADJ
ajfa-1507	244	6	variable	variable	NOUN
ajfa-1507	244	7	,	,	PUNCT
ajfa-1507	244	8	the	the	DET
ajfa-1507	244	9	positive	positive	ADJ
ajfa-1507	244	10	and	and	CCONJ
ajfa-1507	244	11	statistically	statistically	ADV
ajfa-1507	244	12	significant	significant	ADJ
ajfa-1507	244	13	impact	impact	NOUN
ajfa-1507	244	14	of	of	ADP
ajfa-1507	244	15	actrs	actrs	ADJ
ajfa-1507	244	16	on	on	ADP
ajfa-1507	244	17	technical	technical	ADJ
ajfa-1507	244	18	inefficiency	inefficiency	NOUN
ajfa-1507	244	19	indicates	indicate	VERB
ajfa-1507	244	20	that	that	SCONJ
ajfa-1507	244	21	lower	low	ADJ
ajfa-1507	244	22	restrictions	restriction	NOUN
ajfa-1507	244	23	result	result	VERB
ajfa-1507	244	24	in	in	ADP
ajfa-1507	244	25	higher	high	ADJ
ajfa-1507	244	26	operational	operational	ADJ
ajfa-1507	244	27	efficiency	efficiency	NOUN
ajfa-1507	244	28	.	.	PUNCT
ajfa-1507	245	1	this	this	PRON
ajfa-1507	245	2	is	be	AUX
ajfa-1507	245	3	consistent	consistent	ADJ
ajfa-1507	245	4	with	with	ADP
ajfa-1507	245	5	the	the	DET
ajfa-1507	245	6	view	view	NOUN
ajfa-1507	245	7	that	that	SCONJ
ajfa-1507	245	8	less	less	ADJ
ajfa-1507	245	9	regulatory	regulatory	ADJ
ajfa-1507	245	10	control	control	NOUN
ajfa-1507	245	11	allows	allow	VERB
ajfa-1507	245	12	banks	bank	NOUN
ajfa-1507	245	13	to	to	PART
ajfa-1507	245	14	engage	engage	VERB
ajfa-1507	245	15	in	in	ADP
ajfa-1507	245	16	various	various	ADJ
ajfa-1507	245	17	activities	activity	NOUN
ajfa-1507	245	18	and	and	CCONJ
ajfa-1507	245	19	operate	operate	VERB
ajfa-1507	245	20	under	under	ADP
ajfa-1507	245	21	economies	economy	NOUN
ajfa-1507	245	22	of	of	ADP
ajfa-1507	245	23	scale	scale	NOUN
ajfa-1507	245	24	.	.	PUNCT
ajfa-1507	246	1	in	in	ADP
ajfa-1507	246	2	other	other	ADJ
ajfa-1507	246	3	words	word	NOUN
ajfa-1507	246	4	,	,	PUNCT
ajfa-1507	246	5	our	our	PRON
ajfa-1507	246	6	results	result	NOUN
ajfa-1507	246	7	imply	imply	VERB
ajfa-1507	246	8	that	that	SCONJ
ajfa-1507	246	9	when	when	SCONJ
ajfa-1507	246	10	banks	bank	NOUN
ajfa-1507	246	11	are	be	AUX
ajfa-1507	246	12	restricted	restrict	VERB
ajfa-1507	246	13	in	in	ADP
ajfa-1507	246	14	offering	offer	VERB
ajfa-1507	246	15	a	a	DET
ajfa-1507	246	16	limited	limited	ADJ
ajfa-1507	246	17	number	number	NOUN
ajfa-1507	246	18	of	of	ADP
ajfa-1507	246	19	services	service	NOUN
ajfa-1507	246	20	,	,	PUNCT
ajfa-1507	246	21	they	they	PRON
ajfa-1507	246	22	can	can	AUX
ajfa-1507	246	23	potentially	potentially	ADV
ajfa-1507	246	24	acquire	acquire	VERB
ajfa-1507	246	25	expertise	expertise	NOUN
ajfa-1507	246	26	and	and	CCONJ
ajfa-1507	246	27	specialization	specialization	NOUN
ajfa-1507	246	28	in	in	ADP
ajfa-1507	246	29	specific	specific	ADJ
ajfa-1507	246	30	market	market	NOUN
ajfa-1507	246	31	segments	segment	NOUN
ajfa-1507	246	32	and	and	CCONJ
ajfa-1507	246	33	be	be	AUX
ajfa-1507	246	34	more	more	ADJ
ajfa-1507	246	35	profit	profit	NOUN
ajfa-1507	246	36	efficient	efficient	ADJ
ajfa-1507	246	37	.	.	PUNCT
ajfa-1507	247	1	the	the	DET
ajfa-1507	247	2	result	result	NOUN
ajfa-1507	247	3	does	do	AUX
ajfa-1507	247	4	not	not	PART
ajfa-1507	247	5	differentiate	differentiate	VERB
ajfa-1507	247	6	by	by	ADP
ajfa-1507	247	7	type	type	NOUN
ajfa-1507	247	8	of	of	ADP
ajfa-1507	247	9	banks	bank	NOUN
ajfa-1507	247	10	.	.	PUNCT
ajfa-1507	248	1	if	if	SCONJ
ajfa-1507	248	2	we	we	PRON
ajfa-1507	248	3	put	put	VERB
ajfa-1507	248	4	our	our	PRON
ajfa-1507	248	5	attention	attention	NOUN
ajfa-1507	248	6	on	on	ADP
ajfa-1507	248	7	other	other	ADJ
ajfa-1507	248	8	bank	bank	NOUN
ajfa-1507	248	9	specific	specific	ADJ
ajfa-1507	248	10	variables	variable	NOUN
ajfa-1507	248	11	,	,	PUNCT
ajfa-1507	248	12	the	the	DET
ajfa-1507	248	13	results	result	NOUN
ajfa-1507	248	14	for	for	ADP
ajfa-1507	248	15	the	the	DET
ajfa-1507	248	16	full	full	ADJ
ajfa-1507	248	17	sample	sample	NOUN
ajfa-1507	248	18	suggest	suggest	VERB
ajfa-1507	248	19	that	that	SCONJ
ajfa-1507	248	20	inefficient	inefficient	ADJ
ajfa-1507	248	21	banks	bank	NOUN
ajfa-1507	248	22	hold	hold	VERB
ajfa-1507	248	23	more	more	ADJ
ajfa-1507	248	24	loan	loan	NOUN
ajfa-1507	248	25	loss	loss	NOUN
ajfa-1507	248	26	reserves	reserve	NOUN
ajfa-1507	248	27	however	however	ADV
ajfa-1507	248	28	results	result	NOUN
ajfa-1507	248	29	vary	vary	VERB
ajfa-1507	248	30	across	across	ADP
ajfa-1507	248	31	types	type	NOUN
ajfa-1507	248	32	of	of	ADP
ajfa-1507	248	33	banks	bank	NOUN
ajfa-1507	248	34	.	.	PUNCT
ajfa-1507	249	1	there	there	PRON
ajfa-1507	249	2	appears	appear	VERB
ajfa-1507	249	3	to	to	PART
ajfa-1507	249	4	be	be	AUX
ajfa-1507	249	5	positive	positive	ADJ
ajfa-1507	249	6	relationship	relationship	NOUN
ajfa-1507	249	7	between	between	ADP
ajfa-1507	249	8	loss	loss	NOUN
ajfa-1507	249	9	reserve	reserve	NOUN
ajfa-1507	249	10	and	and	CCONJ
ajfa-1507	249	11	efficiency	efficiency	NOUN
ajfa-1507	249	12	for	for	ADP
ajfa-1507	249	13	conventional	conventional	ADJ
ajfa-1507	249	14	banks	bank	NOUN
ajfa-1507	249	15	,	,	PUNCT
ajfa-1507	249	16	and	and	CCONJ
ajfa-1507	249	17	an	an	DET
ajfa-1507	249	18	inverse	inverse	NOUN
ajfa-1507	249	19	relationship	relationship	NOUN
ajfa-1507	249	20	for	for	ADP
ajfa-1507	249	21	islamic	islamic	ADJ
ajfa-1507	249	22	banks	bank	NOUN
ajfa-1507	249	23	which	which	PRON
ajfa-1507	249	24	signify	signify	VERB
ajfa-1507	249	25	that	that	SCONJ
ajfa-1507	249	26	inefficient	inefficient	ADJ
ajfa-1507	249	27	conventional	conventional	ADJ
ajfa-1507	249	28	bank	bank	NOUN
ajfa-1507	249	29	takes	take	VERB
ajfa-1507	249	30	on	on	ADP
ajfa-1507	249	31	more	more	ADJ
ajfa-1507	249	32	risk	risk	NOUN
ajfa-1507	249	33	than	than	ADP
ajfa-1507	249	34	their	their	PRON
ajfa-1507	249	35	islamic	islamic	ADJ
ajfa-1507	249	36	counterpart	counterpart	NOUN
ajfa-1507	249	37	.	.	PUNCT
ajfa-1507	250	1	this	this	PRON
ajfa-1507	250	2	can	can	AUX
ajfa-1507	250	3	be	be	AUX
ajfa-1507	250	4	a	a	DET
ajfa-1507	250	5	useful	useful	ADJ
ajfa-1507	250	6	result	result	NOUN
ajfa-1507	250	7	to	to	PART
ajfa-1507	250	8	prove	prove	VERB
ajfa-1507	250	9	that	that	SCONJ
ajfa-1507	250	10	islamic	islamic	ADJ
ajfa-1507	250	11	banks	bank	NOUN
ajfa-1507	250	12	suffer	suffer	VERB
ajfa-1507	250	13	fewer	few	ADJ
ajfa-1507	250	14	damages	damage	NOUN
ajfa-1507	250	15	and	and	CCONJ
ajfa-1507	250	16	experienced	experience	VERB
ajfa-1507	250	17	no	no	DET
ajfa-1507	250	18	banking	banking	NOUN
ajfa-1507	250	19	failures	failure	NOUN
ajfa-1507	250	20	during	during	ADP
ajfa-1507	250	21	the	the	DET
ajfa-1507	250	22	recent	recent	ADJ
ajfa-1507	250	23	credit	credit	NOUN
ajfa-1507	250	24	crunch	crunch	NOUN
ajfa-1507	250	25	of	of	ADP
ajfa-1507	250	26	2007	2007	NUM
ajfa-1507	250	27	-	-	SYM
ajfa-1507	250	28	2008	2008	NUM
ajfa-1507	250	29	.	.	PUNCT
ajfa-1507	251	1	further	far	ADV
ajfa-1507	251	2	on	on	ADP
ajfa-1507	251	3	we	we	PRON
ajfa-1507	251	4	can	can	AUX
ajfa-1507	251	5	observe	observe	VERB
ajfa-1507	251	6	that	that	SCONJ
ajfa-1507	251	7	technical	technical	ADJ
ajfa-1507	251	8	inefficiency	inefficiency	NOUN
ajfa-1507	251	9	is	be	AUX
ajfa-1507	251	10	positively	positively	ADV
ajfa-1507	251	11	related	relate	VERB
ajfa-1507	251	12	to	to	ADP
ajfa-1507	251	13	asset	asset	NOUN
ajfa-1507	251	14	size	size	NOUN
ajfa-1507	251	15	whereas	whereas	SCONJ
ajfa-1507	251	16	bank	bank	NOUN
ajfa-1507	251	17	lending	lending	NOUN
ajfa-1507	251	18	appears	appear	VERB
ajfa-1507	251	19	to	to	PART
ajfa-1507	251	20	be	be	AUX
ajfa-1507	251	21	inversely	inversely	ADV
ajfa-1507	251	22	related	relate	VERB
ajfa-1507	251	23	to	to	ADP
ajfa-1507	251	24	inefficiency	inefficiency	NOUN
ajfa-1507	251	25	suggesting	suggest	VERB
ajfa-1507	251	26	that	that	SCONJ
ajfa-1507	251	27	efficient	efficient	ADJ
ajfa-1507	251	28	banks	bank	NOUN
ajfa-1507	251	29	are	be	AUX
ajfa-1507	251	30	more	more	ADV
ajfa-1507	251	31	successful	successful	ADJ
ajfa-1507	251	32	in	in	ADP
ajfa-1507	251	33	expanding	expand	VERB
ajfa-1507	251	34	their	their	PRON
ajfa-1507	251	35	loans	loan	NOUN
ajfa-1507	251	36	business	business	NOUN
ajfa-1507	251	37	.	.	PUNCT
ajfa-1507	252	1	evidence	evidence	NOUN
ajfa-1507	252	2	on	on	ADP
ajfa-1507	252	3	the	the	DET
ajfa-1507	252	4	relationship	relationship	NOUN
ajfa-1507	252	5	between	between	ADP
ajfa-1507	252	6	bank	bank	NOUN
ajfa-1507	252	7	liquidity	liquidity	NOUN
ajfa-1507	252	8	and	and	CCONJ
ajfa-1507	252	9	inefficiency	inefficiency	NOUN
ajfa-1507	252	10	is	be	AUX
ajfa-1507	252	11	mixed	mixed	ADJ
ajfa-1507	252	12	.	.	PUNCT
ajfa-1507	253	1	inefficient	inefficient	ADJ
ajfa-1507	253	2	islamic	islamic	ADJ
ajfa-1507	253	3	banks	bank	NOUN
ajfa-1507	253	4	maintain	maintain	VERB
ajfa-1507	253	5	higher	high	ADJ
ajfa-1507	253	6	liquidity	liquidity	NOUN
ajfa-1507	253	7	level	level	NOUN
ajfa-1507	253	8	while	while	SCONJ
ajfa-1507	253	9	inefficient	inefficient	ADJ
ajfa-1507	253	10	conventional	conventional	ADJ
ajfa-1507	253	11	banks	bank	NOUN
ajfa-1507	253	12	maintain	maintain	VERB
ajfa-1507	253	13	lower	low	ADJ
ajfa-1507	253	14	level	level	NOUN
ajfa-1507	253	15	of	of	ADP
ajfa-1507	253	16	liquidity	liquidity	NOUN
ajfa-1507	253	17	which	which	PRON
ajfa-1507	253	18	makes	make	VERB
ajfa-1507	253	19	them	they	PRON
ajfa-1507	253	20	more	more	ADV
ajfa-1507	253	21	prone	prone	ADJ
ajfa-1507	253	22	to	to	ADP
ajfa-1507	253	23	bank	bank	NOUN
ajfa-1507	253	24	runs	run	NOUN
ajfa-1507	253	25	.	.	PUNCT
ajfa-1507	254	1	viewing	view	VERB
ajfa-1507	254	2	the	the	DET
ajfa-1507	254	3	country	country	NOUN
ajfa-1507	254	4	-	-	PUNCT
ajfa-1507	254	5	specific	specific	ADJ
ajfa-1507	254	6	indicators	indicator	NOUN
ajfa-1507	254	7	,	,	PUNCT
ajfa-1507	254	8	overall	overall	ADJ
ajfa-1507	254	9	it	it	PRON
ajfa-1507	254	10	seems	seem	VERB
ajfa-1507	254	11	that	that	SCONJ
ajfa-1507	254	12	banking	banking	NOUN
ajfa-1507	254	13	system	system	NOUN
ajfa-1507	254	14	liquidity	liquidity	NOUN
ajfa-1507	254	15	and	and	CCONJ
ajfa-1507	254	16	banking	banking	NOUN
ajfa-1507	254	17	system	system	NOUN
ajfa-1507	254	18	operating	operating	NOUN
ajfa-1507	254	19	cost	cost	NOUN
ajfa-1507	254	20	are	be	AUX
ajfa-1507	254	21	positively	positively	ADV
ajfa-1507	254	22	linked	link	VERB
ajfa-1507	254	23	to	to	ADP
ajfa-1507	254	24	inefficiency	inefficiency	NOUN
ajfa-1507	254	25	while	while	SCONJ
ajfa-1507	254	26	loan	loan	NOUN
ajfa-1507	254	27	loss	loss	NOUN
ajfa-1507	254	28	provision	provision	NOUN
ajfa-1507	254	29	is	be	AUX
ajfa-1507	254	30	negatively	negatively	ADV
ajfa-1507	254	31	related	relate	VERB
ajfa-1507	254	32	to	to	ADP
ajfa-1507	254	33	inefficiency	inefficiency	NOUN
ajfa-1507	254	34	.	.	PUNCT
ajfa-1507	255	1	however	however	ADV
ajfa-1507	255	2	the	the	DET
ajfa-1507	255	3	relationship	relationship	NOUN
ajfa-1507	255	4	does	do	AUX
ajfa-1507	255	5	not	not	PART
ajfa-1507	255	6	vary	vary	VERB
ajfa-1507	255	7	across	across	ADP
ajfa-1507	255	8	two	two	NUM
ajfa-1507	255	9	types	type	NOUN
ajfa-1507	255	10	of	of	ADP
ajfa-1507	255	11	bank	bank	NOUN
ajfa-1507	255	12	.	.	PUNCT
ajfa-1507	256	1	in	in	ADP
ajfa-1507	256	2	addition	addition	NOUN
ajfa-1507	256	3	,	,	PUNCT
ajfa-1507	256	4	gdp	gdp	NOUN
ajfa-1507	256	5	has	have	VERB
ajfa-1507	256	6	a	a	DET
ajfa-1507	256	7	positive	positive	ADJ
ajfa-1507	256	8	and	and	CCONJ
ajfa-1507	256	9	statistically	statistically	ADV
ajfa-1507	256	10	significant	significant	ADJ
ajfa-1507	256	11	effect	effect	NOUN
ajfa-1507	256	12	on	on	ADP
ajfa-1507	256	13	technical	technical	ADJ
ajfa-1507	256	14	efficiency	efficiency	NOUN
ajfa-1507	256	15	for	for	ADP
ajfa-1507	256	16	both	both	DET
ajfa-1507	256	17	types	type	NOUN
ajfa-1507	256	18	of	of	ADP
ajfa-1507	256	19	banks	bank	NOUN
ajfa-1507	256	20	.	.	PUNCT
ajfa-1507	257	1	table	table	NOUN
ajfa-1507	257	2	2	2	NUM
ajfa-1507	257	3	.	.	X
ajfa-1507	257	4	bank	bank	NOUN
ajfa-1507	257	5	cost	cost	NOUN
ajfa-1507	257	6	inefficiency	inefficiency	NOUN
ajfa-1507	257	7	ineffij	ineffij	NOUN
ajfa-1507	257	8	as	as	ADP
ajfa-1507	257	9	dependent	dependent	ADJ
ajfa-1507	257	10	variable	variable	ADJ
ajfa-1507	257	11	asian	asian	ADJ
ajfa-1507	257	12	journal	journal	NOUN
ajfa-1507	257	13	of	of	ADP
ajfa-1507	257	14	finance	finance	PROPN
ajfa-1507	257	15	&	&	CCONJ
ajfa-1507	257	16	accounting	accounting	PROPN
ajfa-1507	257	17	issn	issn	PROPN
ajfa-1507	257	18	1946	1946	NUM
ajfa-1507	257	19	-	-	PUNCT
ajfa-1507	257	20	052x	052x	NOUN
ajfa-1507	257	21	2012	2012	NUM
ajfa-1507	257	22	,	,	PUNCT
ajfa-1507	257	23	vol	vol	NOUN
ajfa-1507	257	24	.	.	PROPN
ajfa-1507	257	25	4	4	NUM
ajfa-1507	257	26	,	,	PUNCT
ajfa-1507	257	27	no	no	INTJ
ajfa-1507	257	28	.	.	NOUN
ajfa-1507	257	29	1	1	NUM
ajfa-1507	257	30	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	257	31	233	233	NUM
ajfa-1507	257	32	variables	variable	NOUN
ajfa-1507	257	33	all	all	DET
ajfa-1507	257	34	banks	bank	NOUN
ajfa-1507	257	35	conventional	conventional	ADJ
ajfa-1507	257	36	banks	bank	NOUN
ajfa-1507	257	37	islamic	islamic	ADJ
ajfa-1507	257	38	banks	bank	NOUN
ajfa-1507	257	39	spower	spower	ADV
ajfa-1507	257	40	-0.087	-0.087	PUNCT
ajfa-1507	257	41	*	*	PUNCT
ajfa-1507	257	42	0.013	0.013	NUM
ajfa-1507	257	43	*	*	PUNCT
ajfa-1507	257	44	*	*	PUNCT
ajfa-1507	257	45	-0.071	-0.071	PROPN
ajfa-1507	257	46	*	*	PUNCT
ajfa-1507	257	47	*	*	NOUN
ajfa-1507	257	48	caprq	caprq	NOUN
ajfa-1507	257	49	-0.042	-0.042	PUNCT
ajfa-1507	257	50	*	*	PUNCT
ajfa-1507	257	51	*	*	PUNCT
ajfa-1507	258	1	-0.078	-0.078	NOUN
ajfa-1507	258	2	*	*	PUNCT
ajfa-1507	258	3	*	*	PUNCT
ajfa-1507	258	4	-0.027	-0.027	PROPN
ajfa-1507	258	5	*	*	PUNCT
ajfa-1507	258	6	prmonit	prmonit	ADJ
ajfa-1507	258	7	-0.142	-0.142	PUNCT
ajfa-1507	258	8	*	*	NOUN
ajfa-1507	258	9	0.082	0.082	NUM
ajfa-1507	258	10	*	*	PUNCT
ajfa-1507	258	11	-0.108	-0.108	PROPN
ajfa-1507	258	12	*	*	PUNCT
ajfa-1507	258	13	actrs	actrs	ADJ
ajfa-1507	258	14	0.032	0.032	NUM
ajfa-1507	258	15	*	*	NOUN
ajfa-1507	258	16	*	*	PUNCT
ajfa-1507	258	17	0.038	0.038	NUM
ajfa-1507	258	18	*	*	PUNCT
ajfa-1507	258	19	*	*	PUNCT
ajfa-1507	258	20	0.028	0.028	NUM
ajfa-1507	258	21	*	*	PUNCT
ajfa-1507	258	22	*	*	X
ajfa-1507	258	23	llrij	llrij	ADJ
ajfa-1507	258	24	0.057	0.057	NUM
ajfa-1507	258	25	*	*	NOUN
ajfa-1507	258	26	*	*	NOUN
ajfa-1507	258	27	0	0	NUM
ajfa-1507	258	28	.	.	PUNCT
ajfa-1507	259	1	162	162	NUM
ajfa-1507	259	2	*	*	X
ajfa-1507	259	3	*	*	PUNCT
ajfa-1507	259	4	-0.010	-0.010	PUNCT
ajfa-1507	259	5	*	*	PUNCT
ajfa-1507	259	6	*	*	NOUN
ajfa-1507	259	7	nltaij	nltaij	NOUN
ajfa-1507	259	8	-0.073	-0.073	NOUN
ajfa-1507	259	9	*	*	NOUN
ajfa-1507	259	10	*	*	PUNCT
ajfa-1507	259	11	-0.092	-0.092	PUNCT
ajfa-1507	259	12	*	*	PUNCT
ajfa-1507	259	13	*	*	PUNCT
ajfa-1507	259	14	-0.052	-0.052	NOUN
ajfa-1507	259	15	*	*	NOUN
ajfa-1507	259	16	taij	taij	NOUN
ajfa-1507	259	17	0.292	0.292	NUM
ajfa-1507	259	18	*	*	PUNCT
ajfa-1507	259	19	*	*	PUNCT
ajfa-1507	259	20	0.028	0.028	NUM
ajfa-1507	259	21	*	*	X
ajfa-1507	259	22	*	*	X
ajfa-1507	259	23	0.779	0.779	NUM
ajfa-1507	259	24	*	*	PUNCT
ajfa-1507	259	25	*	*	PUNCT
ajfa-1507	259	26	ladij	ladij	ADV
ajfa-1507	259	27	0.022	0.022	NUM
ajfa-1507	259	28	*	*	PUNCT
ajfa-1507	259	29	*	*	PUNCT
ajfa-1507	259	30	0.008	0.008	NUM
ajfa-1507	259	31	*	*	NOUN
ajfa-1507	259	32	-0.047	-0.047	PUNCT
ajfa-1507	259	33	*	*	PUNCT
ajfa-1507	259	34	*	*	PUNCT
ajfa-1507	259	35	latacj	latacj	NOUN
ajfa-1507	259	36	0.124	0.124	NUM
ajfa-1507	259	37	*	*	PUNCT
ajfa-1507	259	38	*	*	PUNCT
ajfa-1507	260	1	0.108	0.108	NUM
ajfa-1507	260	2	*	*	PUNCT
ajfa-1507	260	3	*	*	PUNCT
ajfa-1507	260	4	0.214	0.214	NUM
ajfa-1507	260	5	*	*	PUNCT
ajfa-1507	260	6	*	*	PUNCT
ajfa-1507	260	7	llptacj	llptacj	ADJ
ajfa-1507	260	8	-0.713	-0.713	NOUN
ajfa-1507	260	9	*	*	NOUN
ajfa-1507	260	10	*	*	PUNCT
ajfa-1507	260	11	-0.782	-0.782	PUNCT
ajfa-1507	260	12	*	*	PUNCT
ajfa-1507	260	13	*	*	PUNCT
ajfa-1507	260	14	-0.662	-0.662	PUNCT
ajfa-1507	260	15	*	*	PUNCT
ajfa-1507	260	16	oetacj	oetacj	NOUN
ajfa-1507	260	17	1.103	1.103	NUM
ajfa-1507	260	18	*	*	PUNCT
ajfa-1507	260	19	*	*	PUNCT
ajfa-1507	260	20	1.207	1.207	NUM
ajfa-1507	260	21	*	*	X
ajfa-1507	260	22	*	*	NOUN
ajfa-1507	260	23	0.018	0.018	NUM
ajfa-1507	260	24	*	*	PUNCT
ajfa-1507	260	25	*	*	PUNCT
ajfa-1507	260	26	gdp	gdp	NOUN
ajfa-1507	260	27	　 	　 	SPACE
ajfa-1507	260	28	0.318	0.318	NUM
ajfa-1507	260	29	*	*	PUNCT
ajfa-1507	260	30	0.174	0.174	NUM
ajfa-1507	260	31	*	*	PUNCT
ajfa-1507	260	32	0.292	0.292	NUM
ajfa-1507	260	33	*	*	PUNCT
ajfa-1507	260	34	observations	observation	NOUN
ajfa-1507	260	35	1136	1136	NUM
ajfa-1507	260	36	816	816	NUM
ajfa-1507	260	37	320	320	NUM
ajfa-1507	260	38	r2	r2	NOUN
ajfa-1507	260	39	0.429	0.429	NUM
ajfa-1507	260	40	0.627	0.627	NUM
ajfa-1507	260	41	0.381	0.381	NUM
ajfa-1507	260	42	notes	note	NOUN
ajfa-1507	260	43	:	:	PUNCT
ajfa-1507	260	44	*	*	PUNCT
ajfa-1507	260	45	and	and	CCONJ
ajfa-1507	260	46	*	*	PUNCT
ajfa-1507	260	47	*	*	NOUN
ajfa-1507	260	48	indicate	indicate	VERB
ajfa-1507	260	49	significance	significance	NOUN
ajfa-1507	260	50	at	at	ADP
ajfa-1507	260	51	the	the	DET
ajfa-1507	260	52	5	5	NUM
ajfa-1507	260	53	%	%	NOUN
ajfa-1507	260	54	and	and	CCONJ
ajfa-1507	260	55	1	1	NUM
ajfa-1507	260	56	%	%	NOUN
ajfa-1507	260	57	levels	level	NOUN
ajfa-1507	260	58	,	,	PUNCT
ajfa-1507	260	59	respectively	respectively	ADV
ajfa-1507	260	60	.	.	PUNCT
ajfa-1507	261	1	estimates	estimate	NOUN
ajfa-1507	261	2	from	from	ADP
ajfa-1507	261	3	the	the	DET
ajfa-1507	261	4	risk	risk	NOUN
ajfa-1507	261	5	equation	equation	NOUN
ajfa-1507	261	6	(	(	PUNCT
ajfa-1507	261	7	equation	equation	NOUN
ajfa-1507	261	8	3	3	NUM
ajfa-1507	261	9	)	)	PUNCT
ajfa-1507	261	10	derived	derive	VERB
ajfa-1507	261	11	from	from	ADP
ajfa-1507	261	12	the	the	DET
ajfa-1507	261	13	simultaneous	simultaneous	ADJ
ajfa-1507	261	14	estimation	estimation	NOUN
ajfa-1507	261	15	are	be	AUX
ajfa-1507	261	16	reported	report	VERB
ajfa-1507	261	17	in	in	ADP
ajfa-1507	261	18	table	table	NOUN
ajfa-1507	261	19	3	3	NUM
ajfa-1507	261	20	.	.	PUNCT
ajfa-1507	262	1	the	the	DET
ajfa-1507	262	2	risk	risk	NOUN
ajfa-1507	262	3	equation	equation	NOUN
ajfa-1507	262	4	uses	use	VERB
ajfa-1507	262	5	loan	loan	NOUN
ajfa-1507	262	6	-	-	PUNCT
ajfa-1507	262	7	loss	loss	NOUN
ajfa-1507	262	8	reserves	reserve	NOUN
ajfa-1507	262	9	as	as	ADP
ajfa-1507	262	10	fraction	fraction	NOUN
ajfa-1507	262	11	of	of	ADP
ajfa-1507	262	12	total	total	ADJ
ajfa-1507	262	13	asset	asset	NOUN
ajfa-1507	262	14	(	(	PUNCT
ajfa-1507	262	15	llrij	llrij	ADJ
ajfa-1507	262	16	)	)	PUNCT
ajfa-1507	262	17	as	as	ADP
ajfa-1507	262	18	the	the	DET
ajfa-1507	262	19	dependent	dependent	ADJ
ajfa-1507	262	20	bank	bank	NOUN
ajfa-1507	262	21	-	-	PUNCT
ajfa-1507	262	22	risk	risk	NOUN
ajfa-1507	262	23	variable	variable	NOUN
ajfa-1507	262	24	.	.	PUNCT
ajfa-1507	263	1	the	the	DET
ajfa-1507	263	2	columns	column	NOUN
ajfa-1507	263	3	report	report	VERB
ajfa-1507	263	4	the	the	DET
ajfa-1507	263	5	results	result	NOUN
ajfa-1507	263	6	obtained	obtain	VERB
ajfa-1507	263	7	for	for	ADP
ajfa-1507	263	8	three	three	NUM
ajfa-1507	263	9	estimations	estimation	NOUN
ajfa-1507	263	10	of	of	ADP
ajfa-1507	263	11	the	the	DET
ajfa-1507	263	12	system	system	NOUN
ajfa-1507	263	13	–	–	PUNCT
ajfa-1507	263	14	for	for	ADP
ajfa-1507	263	15	all	all	DET
ajfa-1507	263	16	banks	bank	NOUN
ajfa-1507	263	17	,	,	PUNCT
ajfa-1507	263	18	conventional	conventional	ADJ
ajfa-1507	263	19	banks	bank	NOUN
ajfa-1507	263	20	and	and	CCONJ
ajfa-1507	263	21	islamic	islamic	ADJ
ajfa-1507	263	22	banks	bank	NOUN
ajfa-1507	263	23	in	in	ADP
ajfa-1507	263	24	our	our	PRON
ajfa-1507	263	25	sample	sample	NOUN
ajfa-1507	263	26	.	.	PUNCT
ajfa-1507	264	1	it	it	PRON
ajfa-1507	264	2	can	can	AUX
ajfa-1507	264	3	be	be	AUX
ajfa-1507	264	4	observed	observe	VERB
ajfa-1507	264	5	from	from	ADP
ajfa-1507	264	6	table	table	NOUN
ajfa-1507	264	7	3	3	NUM
ajfa-1507	264	8	that	that	PRON
ajfa-1507	264	9	spower	spower	NOUN
ajfa-1507	264	10	has	have	VERB
ajfa-1507	264	11	negative	negative	ADJ
ajfa-1507	264	12	impact	impact	NOUN
ajfa-1507	264	13	on	on	ADP
ajfa-1507	264	14	both	both	CCONJ
ajfa-1507	264	15	islamic	islamic	ADJ
ajfa-1507	264	16	banks	bank	NOUN
ajfa-1507	264	17	and	and	CCONJ
ajfa-1507	264	18	conventional	conventional	ADJ
ajfa-1507	264	19	banks	bank	NOUN
ajfa-1507	264	20	but	but	CCONJ
ajfa-1507	264	21	the	the	DET
ajfa-1507	264	22	relationship	relationship	NOUN
ajfa-1507	264	23	is	be	AUX
ajfa-1507	264	24	not	not	PART
ajfa-1507	264	25	significant	significant	ADJ
ajfa-1507	264	26	which	which	PRON
ajfa-1507	264	27	is	be	AUX
ajfa-1507	264	28	in	in	ADP
ajfa-1507	264	29	line	line	NOUN
ajfa-1507	264	30	with	with	ADP
ajfa-1507	264	31	barth	barth	NOUN
ajfa-1507	264	32	et.al	et.al	PROPN
ajfa-1507	264	33	(	(	PUNCT
ajfa-1507	264	34	2004	2004	NUM
ajfa-1507	264	35	)	)	PUNCT
ajfa-1507	264	36	.	.	PUNCT
ajfa-1507	265	1	with	with	ADP
ajfa-1507	265	2	respect	respect	NOUN
ajfa-1507	265	3	to	to	ADP
ajfa-1507	265	4	caprq	caprq	NOUN
ajfa-1507	265	5	and	and	CCONJ
ajfa-1507	265	6	prmonit	prmonit	ADJ
ajfa-1507	265	7	we	we	PRON
ajfa-1507	265	8	can	can	AUX
ajfa-1507	265	9	establish	establish	VERB
ajfa-1507	265	10	statistically	statistically	ADV
ajfa-1507	265	11	significant	significant	ADJ
ajfa-1507	265	12	and	and	CCONJ
ajfa-1507	265	13	negative	negative	ADJ
ajfa-1507	265	14	relationship	relationship	NOUN
ajfa-1507	265	15	for	for	ADP
ajfa-1507	265	16	both	both	PRON
ajfa-1507	265	17	conventional	conventional	ADJ
ajfa-1507	265	18	banks	bank	NOUN
ajfa-1507	265	19	and	and	CCONJ
ajfa-1507	265	20	islamic	islamic	ADJ
ajfa-1507	265	21	banks	bank	NOUN
ajfa-1507	265	22	.	.	PUNCT
ajfa-1507	266	1	it	it	PRON
ajfa-1507	266	2	can	can	AUX
ajfa-1507	266	3	be	be	AUX
ajfa-1507	266	4	interpreted	interpret	VERB
ajfa-1507	266	5	in	in	ADP
ajfa-1507	266	6	sense	sense	NOUN
ajfa-1507	266	7	that	that	SCONJ
ajfa-1507	266	8	higher	high	ADJ
ajfa-1507	266	9	the	the	DET
ajfa-1507	266	10	capital	capital	NOUN
ajfa-1507	266	11	requirement	requirement	NOUN
ajfa-1507	266	12	and	and	CCONJ
ajfa-1507	266	13	better	well	ADJ
ajfa-1507	266	14	the	the	DET
ajfa-1507	266	15	monitoring	monitoring	NOUN
ajfa-1507	266	16	and	and	CCONJ
ajfa-1507	266	17	scrutiny	scrutiny	NOUN
ajfa-1507	266	18	of	of	ADP
ajfa-1507	266	19	banking	banking	NOUN
ajfa-1507	266	20	sector	sector	NOUN
ajfa-1507	266	21	lower	low	ADJ
ajfa-1507	266	22	will	will	AUX
ajfa-1507	266	23	be	be	AUX
ajfa-1507	266	24	risk	risk	NOUN
ajfa-1507	266	25	taking	take	VERB
ajfa-1507	266	26	behaviour	behaviour	NOUN
ajfa-1507	266	27	of	of	ADP
ajfa-1507	266	28	these	these	DET
ajfa-1507	266	29	banks	bank	NOUN
ajfa-1507	266	30	.	.	PUNCT
ajfa-1507	267	1	it	it	PRON
ajfa-1507	267	2	can	can	AUX
ajfa-1507	267	3	be	be	AUX
ajfa-1507	267	4	owing	owe	VERB
ajfa-1507	267	5	to	to	ADP
ajfa-1507	267	6	the	the	DET
ajfa-1507	267	7	fact	fact	NOUN
ajfa-1507	267	8	that	that	SCONJ
ajfa-1507	267	9	higher	high	ADJ
ajfa-1507	267	10	capital	capital	NOUN
ajfa-1507	267	11	requirements	requirement	NOUN
ajfa-1507	267	12	may	may	AUX
ajfa-1507	267	13	represent	represent	VERB
ajfa-1507	267	14	entry	entry	NOUN
ajfa-1507	267	15	barriers	barrier	NOUN
ajfa-1507	267	16	for	for	ADP
ajfa-1507	267	17	newcomers	newcomer	NOUN
ajfa-1507	267	18	,	,	PUNCT
ajfa-1507	267	19	which	which	PRON
ajfa-1507	267	20	would	would	AUX
ajfa-1507	267	21	restrict	restrict	VERB
ajfa-1507	267	22	competition	competition	NOUN
ajfa-1507	267	23	and	and	CCONJ
ajfa-1507	267	24	allow	allow	VERB
ajfa-1507	267	25	existing	exist	VERB
ajfa-1507	267	26	banks	bank	NOUN
ajfa-1507	267	27	to	to	PART
ajfa-1507	267	28	accumulate	accumulate	VERB
ajfa-1507	267	29	power	power	NOUN
ajfa-1507	267	30	,	,	PUNCT
ajfa-1507	267	31	resulting	result	VERB
ajfa-1507	267	32	in	in	ADP
ajfa-1507	267	33	a	a	DET
ajfa-1507	267	34	more	more	ADV
ajfa-1507	267	35	prudent	prudent	ADJ
ajfa-1507	267	36	and	and	CCONJ
ajfa-1507	267	37	less	less	ADV
ajfa-1507	267	38	-	-	PUNCT
ajfa-1507	267	39	risky	risky	ADJ
ajfa-1507	267	40	behaviour	behaviour	NOUN
ajfa-1507	267	41	.	.	PUNCT
ajfa-1507	268	1	asian	asian	ADJ
ajfa-1507	268	2	journal	journal	PROPN
ajfa-1507	268	3	of	of	ADP
ajfa-1507	268	4	finance	finance	PROPN
ajfa-1507	268	5	&	&	CCONJ
ajfa-1507	268	6	accounting	accounting	PROPN
ajfa-1507	268	7	issn	issn	PROPN
ajfa-1507	268	8	1946	1946	NUM
ajfa-1507	268	9	-	-	PUNCT
ajfa-1507	268	10	052x	052x	NOUN
ajfa-1507	268	11	2012	2012	NUM
ajfa-1507	268	12	,	,	PUNCT
ajfa-1507	268	13	vol	vol	NOUN
ajfa-1507	268	14	.	.	PROPN
ajfa-1507	268	15	4	4	NUM
ajfa-1507	268	16	,	,	PUNCT
ajfa-1507	268	17	no	no	INTJ
ajfa-1507	268	18	.	.	NOUN
ajfa-1507	268	19	1	1	NUM
ajfa-1507	268	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	268	21	234	234	NUM
ajfa-1507	268	22	in	in	ADP
ajfa-1507	268	23	case	case	NOUN
ajfa-1507	268	24	of	of	ADP
ajfa-1507	268	25	actrs	actrs	ADJ
ajfa-1507	268	26	we	we	PRON
ajfa-1507	268	27	find	find	VERB
ajfa-1507	268	28	significant	significant	ADJ
ajfa-1507	268	29	and	and	CCONJ
ajfa-1507	268	30	contrasting	contrasting	ADJ
ajfa-1507	268	31	result	result	NOUN
ajfa-1507	268	32	for	for	ADP
ajfa-1507	268	33	conventional	conventional	ADJ
ajfa-1507	268	34	and	and	CCONJ
ajfa-1507	268	35	islamic	islamic	ADJ
ajfa-1507	268	36	banks	bank	NOUN
ajfa-1507	268	37	.	.	PUNCT
ajfa-1507	269	1	actrs	actrs	PROPN
ajfa-1507	269	2	has	have	VERB
ajfa-1507	269	3	positive	positive	ADJ
ajfa-1507	269	4	relationship	relationship	NOUN
ajfa-1507	269	5	with	with	ADP
ajfa-1507	269	6	conventional	conventional	ADJ
ajfa-1507	269	7	banks	bank	NOUN
ajfa-1507	269	8	which	which	PRON
ajfa-1507	269	9	signifies	signify	VERB
ajfa-1507	269	10	that	that	SCONJ
ajfa-1507	269	11	if	if	SCONJ
ajfa-1507	269	12	regulators	regulator	NOUN
ajfa-1507	269	13	imposed	impose	VERB
ajfa-1507	269	14	restriction	restriction	NOUN
ajfa-1507	269	15	on	on	ADP
ajfa-1507	269	16	banks	bank	NOUN
ajfa-1507	269	17	activities	activity	NOUN
ajfa-1507	269	18	conventional	conventional	ADJ
ajfa-1507	269	19	banks	bank	NOUN
ajfa-1507	269	20	tend	tend	VERB
ajfa-1507	269	21	to	to	PART
ajfa-1507	269	22	embark	embark	VERB
ajfa-1507	269	23	on	on	ADP
ajfa-1507	269	24	more	more	ADV
ajfa-1507	269	25	risky	risky	ADJ
ajfa-1507	269	26	venture	venture	NOUN
ajfa-1507	269	27	.	.	PUNCT
ajfa-1507	270	1	islamic	islamic	ADJ
ajfa-1507	270	2	banks	bank	NOUN
ajfa-1507	270	3	shows	show	VERB
ajfa-1507	270	4	a	a	DET
ajfa-1507	270	5	negative	negative	ADJ
ajfa-1507	270	6	relationship	relationship	NOUN
ajfa-1507	270	7	with	with	ADP
ajfa-1507	270	8	actrs	actrs	ADJ
ajfa-1507	270	9	which	which	PRON
ajfa-1507	270	10	signifies	signify	VERB
ajfa-1507	270	11	that	that	SCONJ
ajfa-1507	270	12	islamic	islamic	ADJ
ajfa-1507	270	13	banks	bank	NOUN
ajfa-1507	270	14	takes	take	VERB
ajfa-1507	270	15	on	on	ADP
ajfa-1507	270	16	less	less	ADJ
ajfa-1507	270	17	risk	risk	NOUN
ajfa-1507	270	18	even	even	ADV
ajfa-1507	270	19	when	when	SCONJ
ajfa-1507	270	20	their	their	PRON
ajfa-1507	270	21	activities	activity	NOUN
ajfa-1507	270	22	are	be	AUX
ajfa-1507	270	23	restricted	restrict	VERB
ajfa-1507	270	24	in	in	ADP
ajfa-1507	270	25	the	the	DET
ajfa-1507	270	26	financial	financial	ADJ
ajfa-1507	270	27	market	market	NOUN
ajfa-1507	270	28	.	.	PUNCT
ajfa-1507	271	1	it	it	PRON
ajfa-1507	271	2	can	can	AUX
ajfa-1507	271	3	be	be	AUX
ajfa-1507	271	4	explained	explain	VERB
ajfa-1507	271	5	in	in	ADP
ajfa-1507	271	6	the	the	DET
ajfa-1507	271	7	sense	sense	NOUN
ajfa-1507	271	8	that	that	SCONJ
ajfa-1507	271	9	islamic	islamic	ADJ
ajfa-1507	271	10	banks	bank	NOUN
ajfa-1507	271	11	with	with	ADP
ajfa-1507	271	12	inherent	inherent	ADJ
ajfa-1507	271	13	shariah	shariah	PROPN
ajfa-1507	271	14	regulation	regulation	NOUN
ajfa-1507	271	15	and	and	CCONJ
ajfa-1507	271	16	restrictions	restriction	NOUN
ajfa-1507	271	17	are	be	AUX
ajfa-1507	271	18	able	able	ADJ
ajfa-1507	271	19	to	to	PART
ajfa-1507	271	20	avoid	avoid	VERB
ajfa-1507	271	21	many	many	ADJ
ajfa-1507	271	22	risky	risky	ADJ
ajfa-1507	271	23	ventures	venture	NOUN
ajfa-1507	271	24	.	.	PUNCT
ajfa-1507	272	1	if	if	SCONJ
ajfa-1507	272	2	we	we	PRON
ajfa-1507	272	3	focus	focus	VERB
ajfa-1507	272	4	on	on	ADP
ajfa-1507	272	5	bank	bank	NOUN
ajfa-1507	272	6	specific	specific	ADJ
ajfa-1507	272	7	variables	variable	NOUN
ajfa-1507	272	8	we	we	PRON
ajfa-1507	272	9	observe	observe	VERB
ajfa-1507	272	10	that	that	SCONJ
ajfa-1507	272	11	for	for	ADP
ajfa-1507	272	12	the	the	DET
ajfa-1507	272	13	full	full	ADJ
ajfa-1507	272	14	sample	sample	NOUN
ajfa-1507	272	15	there	there	PRON
ajfa-1507	272	16	is	be	VERB
ajfa-1507	272	17	a	a	DET
ajfa-1507	272	18	positive	positive	ADJ
ajfa-1507	272	19	relationship	relationship	NOUN
ajfa-1507	272	20	between	between	ADP
ajfa-1507	272	21	inefficiency	inefficiency	NOUN
ajfa-1507	272	22	and	and	CCONJ
ajfa-1507	272	23	bank	bank	NOUN
ajfa-1507	272	24	risks	risk	NOUN
ajfa-1507	272	25	.	.	PUNCT
ajfa-1507	273	1	banks	bank	NOUN
ajfa-1507	273	2	with	with	ADP
ajfa-1507	273	3	higher	high	ADJ
ajfa-1507	273	4	loan	loan	NOUN
ajfa-1507	273	5	loss	loss	NOUN
ajfa-1507	273	6	reserves	reserve	NOUN
ajfa-1507	273	7	tend	tend	VERB
ajfa-1507	273	8	to	to	PART
ajfa-1507	273	9	be	be	AUX
ajfa-1507	273	10	inefficient	inefficient	ADJ
ajfa-1507	273	11	.	.	PUNCT
ajfa-1507	274	1	this	this	PRON
ajfa-1507	274	2	is	be	AUX
ajfa-1507	274	3	the	the	DET
ajfa-1507	274	4	case	case	NOUN
ajfa-1507	274	5	for	for	ADP
ajfa-1507	274	6	conventional	conventional	ADJ
ajfa-1507	274	7	banks	bank	NOUN
ajfa-1507	274	8	although	although	SCONJ
ajfa-1507	274	9	it	it	PRON
ajfa-1507	274	10	can	can	AUX
ajfa-1507	274	11	be	be	AUX
ajfa-1507	274	12	seen	see	VERB
ajfa-1507	274	13	that	that	SCONJ
ajfa-1507	274	14	there	there	PRON
ajfa-1507	274	15	is	be	VERB
ajfa-1507	274	16	an	an	DET
ajfa-1507	274	17	opposite	opposite	ADJ
ajfa-1507	274	18	relationship	relationship	NOUN
ajfa-1507	274	19	for	for	ADP
ajfa-1507	274	20	islamic	islamic	ADJ
ajfa-1507	274	21	banks	bank	NOUN
ajfa-1507	274	22	.	.	PUNCT
ajfa-1507	275	1	the	the	DET
ajfa-1507	275	2	positive	positive	ADJ
ajfa-1507	275	3	relationship	relationship	NOUN
ajfa-1507	275	4	for	for	ADP
ajfa-1507	275	5	conventional	conventional	ADJ
ajfa-1507	275	6	banks	bank	NOUN
ajfa-1507	275	7	can	can	AUX
ajfa-1507	275	8	be	be	AUX
ajfa-1507	275	9	due	due	ADJ
ajfa-1507	275	10	to	to	ADP
ajfa-1507	275	11	the	the	DET
ajfa-1507	275	12	fact	fact	NOUN
ajfa-1507	275	13	that	that	SCONJ
ajfa-1507	275	14	inefficient	inefficient	ADJ
ajfa-1507	275	15	conventional	conventional	ADJ
ajfa-1507	275	16	banks	bank	NOUN
ajfa-1507	275	17	take	take	VERB
ajfa-1507	275	18	on	on	ADP
ajfa-1507	275	19	more	more	ADJ
ajfa-1507	275	20	risk	risk	NOUN
ajfa-1507	275	21	to	to	PART
ajfa-1507	275	22	improve	improve	VERB
ajfa-1507	275	23	their	their	PRON
ajfa-1507	275	24	performance	performance	NOUN
ajfa-1507	275	25	over	over	ADP
ajfa-1507	275	26	the	the	DET
ajfa-1507	275	27	long	long	ADJ
ajfa-1507	275	28	run	run	NOUN
ajfa-1507	275	29	.	.	PUNCT
ajfa-1507	276	1	the	the	DET
ajfa-1507	276	2	negative	negative	ADJ
ajfa-1507	276	3	relationship	relationship	NOUN
ajfa-1507	276	4	for	for	ADP
ajfa-1507	276	5	islamic	islamic	ADJ
ajfa-1507	276	6	banks	bank	NOUN
ajfa-1507	276	7	can	can	AUX
ajfa-1507	276	8	be	be	AUX
ajfa-1507	276	9	result	result	NOUN
ajfa-1507	276	10	of	of	ADP
ajfa-1507	276	11	cost	cost	NOUN
ajfa-1507	276	12	constraints	constraint	NOUN
ajfa-1507	276	13	impediment	impediment	ADJ
ajfa-1507	276	14	which	which	PRON
ajfa-1507	276	15	restricts	restrict	VERB
ajfa-1507	276	16	the	the	DET
ajfa-1507	276	17	ability	ability	NOUN
ajfa-1507	276	18	of	of	ADP
ajfa-1507	276	19	inefficient	inefficient	ADJ
ajfa-1507	276	20	islamic	islamic	ADJ
ajfa-1507	276	21	banks	bank	NOUN
ajfa-1507	276	22	to	to	PART
ajfa-1507	276	23	take	take	VERB
ajfa-1507	276	24	on	on	ADP
ajfa-1507	276	25	more	more	ADJ
ajfa-1507	276	26	risks	risk	NOUN
ajfa-1507	276	27	.	.	PUNCT
ajfa-1507	277	1	possibly	possibly	ADV
ajfa-1507	277	2	,	,	PUNCT
ajfa-1507	277	3	islamic	islamic	ADJ
ajfa-1507	277	4	banks	bank	NOUN
ajfa-1507	277	5	are	be	AUX
ajfa-1507	277	6	more	more	ADJ
ajfa-1507	277	7	reserve	reserve	NOUN
ajfa-1507	277	8	constrained	constrain	VERB
ajfa-1507	277	9	and	and	CCONJ
ajfa-1507	277	10	this	this	PRON
ajfa-1507	277	11	may	may	AUX
ajfa-1507	277	12	be	be	AUX
ajfa-1507	277	13	the	the	DET
ajfa-1507	277	14	reason	reason	NOUN
ajfa-1507	277	15	behind	behind	ADP
ajfa-1507	277	16	this	this	DET
ajfa-1507	277	17	result	result	NOUN
ajfa-1507	277	18	.	.	PUNCT
ajfa-1507	278	1	the	the	DET
ajfa-1507	278	2	table	table	NOUN
ajfa-1507	278	3	also	also	ADV
ajfa-1507	278	4	shows	show	VERB
ajfa-1507	278	5	that	that	SCONJ
ajfa-1507	278	6	net	net	ADJ
ajfa-1507	278	7	lending	lending	NOUN
ajfa-1507	278	8	(	(	PUNCT
ajfa-1507	278	9	nltaij	nltaij	NOUN
ajfa-1507	278	10	)	)	PUNCT
ajfa-1507	278	11	is	be	AUX
ajfa-1507	278	12	negatively	negatively	ADV
ajfa-1507	278	13	related	relate	VERB
ajfa-1507	278	14	to	to	AUX
ajfa-1507	278	15	risk	risk	NOUN
ajfa-1507	278	16	suggesting	suggest	VERB
ajfa-1507	278	17	that	that	SCONJ
ajfa-1507	278	18	loan	loan	NOUN
ajfa-1507	278	19	growth	growth	NOUN
ajfa-1507	278	20	is	be	AUX
ajfa-1507	278	21	inseparably	inseparably	ADV
ajfa-1507	278	22	linked	link	VERB
ajfa-1507	278	23	to	to	ADP
ajfa-1507	278	24	loan	loan	NOUN
ajfa-1507	278	25	loss	loss	NOUN
ajfa-1507	278	26	reserve	reserve	NOUN
ajfa-1507	278	27	levels	level	NOUN
ajfa-1507	278	28	.	.	PUNCT
ajfa-1507	279	1	bank	bank	NOUN
ajfa-1507	279	2	asset	asset	NOUN
ajfa-1507	279	3	size	size	NOUN
ajfa-1507	279	4	(	(	PUNCT
ajfa-1507	279	5	taij	taij	NOUN
ajfa-1507	279	6	)	)	PUNCT
ajfa-1507	279	7	also	also	ADV
ajfa-1507	279	8	seems	seem	VERB
ajfa-1507	279	9	to	to	PART
ajfa-1507	279	10	be	be	AUX
ajfa-1507	279	11	important	important	ADJ
ajfa-1507	279	12	as	as	SCONJ
ajfa-1507	279	13	large	large	ADJ
ajfa-1507	279	14	conventional	conventional	ADJ
ajfa-1507	279	15	banks	bank	NOUN
ajfa-1507	279	16	appear	appear	VERB
ajfa-1507	279	17	to	to	PART
ajfa-1507	279	18	be	be	AUX
ajfa-1507	279	19	more	more	ADV
ajfa-1507	279	20	risky	risky	ADJ
ajfa-1507	279	21	than	than	ADP
ajfa-1507	279	22	their	their	PRON
ajfa-1507	279	23	smaller	small	ADJ
ajfa-1507	279	24	islamic	islamic	ADJ
ajfa-1507	279	25	counterparts	counterpart	NOUN
ajfa-1507	279	26	and	and	CCONJ
ajfa-1507	279	27	islamic	islamic	ADJ
ajfa-1507	279	28	banks	bank	NOUN
ajfa-1507	279	29	also	also	ADV
ajfa-1507	279	30	seem	seem	VERB
ajfa-1507	279	31	to	to	PART
ajfa-1507	279	32	have	have	VERB
ajfa-1507	279	33	a	a	DET
ajfa-1507	279	34	lower	low	ADJ
ajfa-1507	279	35	loan	loan	NOUN
ajfa-1507	279	36	loss	loss	NOUN
ajfa-1507	279	37	reserve	reserve	NOUN
ajfa-1507	279	38	level	level	NOUN
ajfa-1507	279	39	which	which	PRON
ajfa-1507	279	40	is	be	AUX
ajfa-1507	279	41	obvious	obvious	ADJ
ajfa-1507	279	42	since	since	SCONJ
ajfa-1507	279	43	most	most	ADJ
ajfa-1507	279	44	of	of	ADP
ajfa-1507	279	45	the	the	DET
ajfa-1507	279	46	islamic	islamic	ADJ
ajfa-1507	279	47	loans	loan	NOUN
ajfa-1507	279	48	are	be	AUX
ajfa-1507	279	49	backed	back	VERB
ajfa-1507	279	50	by	by	ADP
ajfa-1507	279	51	real	real	ADJ
ajfa-1507	279	52	assets	asset	NOUN
ajfa-1507	279	53	.	.	PUNCT
ajfa-1507	280	1	this	this	PRON
ajfa-1507	280	2	can	can	AUX
ajfa-1507	280	3	be	be	AUX
ajfa-1507	280	4	also	also	ADV
ajfa-1507	280	5	interpreted	interpret	VERB
ajfa-1507	280	6	that	that	SCONJ
ajfa-1507	280	7	there	there	PRON
ajfa-1507	280	8	are	be	VERB
ajfa-1507	280	9	potential	potential	ADJ
ajfa-1507	280	10	diversification	diversification	NOUN
ajfa-1507	280	11	benefits	benefit	NOUN
ajfa-1507	280	12	associated	associate	VERB
ajfa-1507	280	13	with	with	ADP
ajfa-1507	280	14	size	size	NOUN
ajfa-1507	280	15	as	as	SCONJ
ajfa-1507	280	16	noted	note	VERB
ajfa-1507	280	17	by	by	ADP
ajfa-1507	280	18	altunbas	altunbas	PROPN
ajfa-1507	280	19	et	et	PROPN
ajfa-1507	280	20	al	al	PROPN
ajfa-1507	280	21	.	.	PUNCT
ajfa-1507	281	1	(	(	PUNCT
ajfa-1507	281	2	2007	2007	NUM
ajfa-1507	281	3	)	)	PUNCT
ajfa-1507	281	4	.	.	PUNCT
ajfa-1507	282	1	there	there	PRON
ajfa-1507	282	2	also	also	ADV
ajfa-1507	282	3	appears	appear	VERB
ajfa-1507	282	4	to	to	PART
ajfa-1507	282	5	be	be	AUX
ajfa-1507	282	6	a	a	DET
ajfa-1507	282	7	mix	mix	NOUN
ajfa-1507	282	8	relationship	relationship	NOUN
ajfa-1507	282	9	between	between	ADP
ajfa-1507	282	10	liquidity	liquidity	NOUN
ajfa-1507	282	11	and	and	CCONJ
ajfa-1507	282	12	risk	risk	NOUN
ajfa-1507	282	13	as	as	SCONJ
ajfa-1507	282	14	conventional	conventional	ADJ
ajfa-1507	282	15	banks	bank	NOUN
ajfa-1507	282	16	with	with	ADP
ajfa-1507	282	17	higher	high	ADJ
ajfa-1507	282	18	liquidity	liquidity	NOUN
ajfa-1507	282	19	levels	level	NOUN
ajfa-1507	282	20	have	have	VERB
ajfa-1507	282	21	higher	high	ADJ
ajfa-1507	282	22	reserve	reserve	NOUN
ajfa-1507	282	23	levels	level	NOUN
ajfa-1507	282	24	while	while	SCONJ
ajfa-1507	282	25	islamic	islamic	ADJ
ajfa-1507	282	26	banks	bank	NOUN
ajfa-1507	282	27	have	have	VERB
ajfa-1507	282	28	lower	low	ADJ
ajfa-1507	282	29	reserve	reserve	NOUN
ajfa-1507	282	30	associated	associate	VERB
ajfa-1507	282	31	with	with	ADP
ajfa-1507	282	32	higher	high	ADJ
ajfa-1507	282	33	liquidity	liquidity	NOUN
ajfa-1507	282	34	.	.	PUNCT
ajfa-1507	283	1	this	this	PRON
ajfa-1507	283	2	suggests	suggest	VERB
ajfa-1507	283	3	that	that	SCONJ
ajfa-1507	283	4	banks	bank	NOUN
ajfa-1507	283	5	with	with	ADP
ajfa-1507	283	6	higher	high	ADJ
ajfa-1507	283	7	liquidity	liquidity	NOUN
ajfa-1507	283	8	levels	level	NOUN
ajfa-1507	283	9	take	take	VERB
ajfa-1507	283	10	on	on	ADP
ajfa-1507	283	11	more	more	ADJ
ajfa-1507	283	12	risks	risk	NOUN
ajfa-1507	283	13	which	which	PRON
ajfa-1507	283	14	confirm	confirm	VERB
ajfa-1507	283	15	to	to	ADP
ajfa-1507	283	16	the	the	DET
ajfa-1507	283	17	basel	basel	PROPN
ajfa-1507	283	18	guidelines	guideline	NOUN
ajfa-1507	283	19	whereby	whereby	SCONJ
ajfa-1507	283	20	banks	bank	NOUN
ajfa-1507	283	21	are	be	AUX
ajfa-1507	283	22	encourage	encourage	VERB
ajfa-1507	283	23	being	be	AUX
ajfa-1507	283	24	more	more	ADV
ajfa-1507	283	25	liquid	liquid	ADJ
ajfa-1507	283	26	to	to	PART
ajfa-1507	283	27	cover	cover	VERB
ajfa-1507	283	28	the	the	DET
ajfa-1507	283	29	risks	risk	NOUN
ajfa-1507	283	30	being	be	AUX
ajfa-1507	283	31	taken	take	VERB
ajfa-1507	283	32	.	.	PUNCT
ajfa-1507	284	1	this	this	DET
ajfa-1507	284	2	result	result	NOUN
ajfa-1507	284	3	also	also	ADV
ajfa-1507	284	4	confirms	confirm	VERB
ajfa-1507	284	5	that	that	SCONJ
ajfa-1507	284	6	islamic	islamic	ADJ
ajfa-1507	284	7	banks	bank	NOUN
ajfa-1507	284	8	tend	tend	VERB
ajfa-1507	284	9	to	to	PART
ajfa-1507	284	10	be	be	AUX
ajfa-1507	284	11	more	more	ADV
ajfa-1507	284	12	liquid	liquid	ADJ
ajfa-1507	284	13	and	and	CCONJ
ajfa-1507	284	14	less	less	ADV
ajfa-1507	284	15	risky	risky	ADJ
ajfa-1507	284	16	compared	compare	VERB
ajfa-1507	284	17	to	to	ADP
ajfa-1507	284	18	conventional	conventional	ADJ
ajfa-1507	284	19	banks	bank	NOUN
ajfa-1507	284	20	in	in	ADP
ajfa-1507	284	21	the	the	DET
ajfa-1507	284	22	dual	dual	ADJ
ajfa-1507	284	23	banking	banking	NOUN
ajfa-1507	284	24	system	system	NOUN
ajfa-1507	284	25	.	.	PUNCT
ajfa-1507	285	1	finally	finally	ADV
ajfa-1507	285	2	,	,	PUNCT
ajfa-1507	285	3	the	the	DET
ajfa-1507	285	4	country	country	NOUN
ajfa-1507	285	5	specific	specific	ADJ
ajfa-1507	285	6	banking	banking	NOUN
ajfa-1507	285	7	sector	sector	NOUN
ajfa-1507	285	8	variables	variable	NOUN
ajfa-1507	285	9	also	also	ADV
ajfa-1507	285	10	suggest	suggest	VERB
ajfa-1507	285	11	that	that	SCONJ
ajfa-1507	285	12	the	the	DET
ajfa-1507	285	13	level	level	NOUN
ajfa-1507	285	14	of	of	ADP
ajfa-1507	285	15	liquidity	liquidity	NOUN
ajfa-1507	285	16	(	(	PUNCT
ajfa-1507	285	17	latacj	latacj	PROPN
ajfa-1507	285	18	)	)	PUNCT
ajfa-1507	285	19	and	and	CCONJ
ajfa-1507	285	20	loan	loan	NOUN
ajfa-1507	285	21	loss	loss	NOUN
ajfa-1507	285	22	provision	provision	NOUN
ajfa-1507	285	23	(	(	PUNCT
ajfa-1507	285	24	llptacj	llptacj	NOUN
ajfa-1507	285	25	)	)	PUNCT
ajfa-1507	285	26	in	in	ADP
ajfa-1507	285	27	the	the	DET
ajfa-1507	285	28	respective	respective	ADJ
ajfa-1507	285	29	country	country	NOUN
ajfa-1507	285	30	’s	’s	PART
ajfa-1507	285	31	financial	financial	ADJ
ajfa-1507	285	32	system	system	NOUN
ajfa-1507	285	33	are	be	AUX
ajfa-1507	285	34	positively	positively	ADV
ajfa-1507	285	35	related	relate	VERB
ajfa-1507	285	36	to	to	ADP
ajfa-1507	285	37	overall	overall	ADJ
ajfa-1507	285	38	banking	banking	NOUN
ajfa-1507	285	39	sector	sector	NOUN
ajfa-1507	285	40	risks	risk	NOUN
ajfa-1507	285	41	.	.	PUNCT
ajfa-1507	286	1	in	in	ADP
ajfa-1507	286	2	other	other	ADJ
ajfa-1507	286	3	words	word	NOUN
ajfa-1507	286	4	banking	banking	NOUN
ajfa-1507	286	5	systems	system	NOUN
ajfa-1507	286	6	will	will	AUX
ajfa-1507	286	7	take	take	VERB
ajfa-1507	286	8	on	on	ADP
ajfa-1507	286	9	more	more	ADJ
ajfa-1507	286	10	risks	risk	NOUN
ajfa-1507	286	11	if	if	SCONJ
ajfa-1507	286	12	they	they	PRON
ajfa-1507	286	13	are	be	AUX
ajfa-1507	286	14	more	more	ADV
ajfa-1507	286	15	liquid	liquid	ADJ
ajfa-1507	286	16	and	and	CCONJ
ajfa-1507	286	17	banks	bank	NOUN
ajfa-1507	286	18	are	be	AUX
ajfa-1507	286	19	provisioning	provision	VERB
ajfa-1507	286	20	for	for	ADP
ajfa-1507	286	21	loan	loan	NOUN
ajfa-1507	286	22	loss	loss	NOUN
ajfa-1507	286	23	at	at	ADP
ajfa-1507	286	24	a	a	DET
ajfa-1507	286	25	higher	high	ADJ
ajfa-1507	286	26	level	level	NOUN
ajfa-1507	286	27	.	.	PUNCT
ajfa-1507	287	1	there	there	PRON
ajfa-1507	287	2	do	do	AUX
ajfa-1507	287	3	not	not	PART
ajfa-1507	287	4	appear	appear	VERB
ajfa-1507	287	5	to	to	PART
ajfa-1507	287	6	be	be	AUX
ajfa-1507	287	7	major	major	ADJ
ajfa-1507	287	8	differences	difference	NOUN
ajfa-1507	287	9	in	in	ADP
ajfa-1507	287	10	the	the	DET
ajfa-1507	287	11	relationships	relationship	NOUN
ajfa-1507	287	12	across	across	ADP
ajfa-1507	287	13	conventional	conventional	ADJ
ajfa-1507	287	14	banks	bank	NOUN
ajfa-1507	287	15	and	and	CCONJ
ajfa-1507	287	16	islamic	islamic	ADJ
ajfa-1507	287	17	banks	bank	NOUN
ajfa-1507	287	18	.	.	PUNCT
ajfa-1507	288	1	asian	asian	ADJ
ajfa-1507	288	2	journal	journal	PROPN
ajfa-1507	288	3	of	of	ADP
ajfa-1507	288	4	finance	finance	PROPN
ajfa-1507	288	5	&	&	CCONJ
ajfa-1507	288	6	accounting	accounting	PROPN
ajfa-1507	288	7	issn	issn	PROPN
ajfa-1507	288	8	1946	1946	NUM
ajfa-1507	288	9	-	-	PUNCT
ajfa-1507	288	10	052x	052x	NOUN
ajfa-1507	288	11	2012	2012	NUM
ajfa-1507	288	12	,	,	PUNCT
ajfa-1507	288	13	vol	vol	NOUN
ajfa-1507	288	14	.	.	PROPN
ajfa-1507	288	15	4	4	NUM
ajfa-1507	288	16	,	,	PUNCT
ajfa-1507	288	17	no	no	INTJ
ajfa-1507	288	18	.	.	NOUN
ajfa-1507	288	19	1	1	NUM
ajfa-1507	288	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	288	21	235	235	NUM
ajfa-1507	288	22	table	table	NOUN
ajfa-1507	288	23	3	3	NUM
ajfa-1507	288	24	.	.	PUNCT
ajfa-1507	288	25	bank	bank	NOUN
ajfa-1507	288	26	risks	risk	NOUN
ajfa-1507	288	27	llrij	llrij	ADJ
ajfa-1507	288	28	as	as	ADP
ajfa-1507	288	29	dependent	dependent	ADJ
ajfa-1507	288	30	variable	variable	ADJ
ajfa-1507	288	31	variables	variable	NOUN
ajfa-1507	288	32	all	all	DET
ajfa-1507	288	33	banks	bank	NOUN
ajfa-1507	288	34	conventional	conventional	ADJ
ajfa-1507	288	35	banks	bank	NOUN
ajfa-1507	288	36	islamic	islamic	ADJ
ajfa-1507	288	37	banks	bank	NOUN
ajfa-1507	288	38	spower	spower	ADV
ajfa-1507	288	39	-0.056	-0.056	PUNCT
ajfa-1507	288	40	-0.021	-0.021	NOUN
ajfa-1507	288	41	-0.054	-0.054	PUNCT
ajfa-1507	288	42	caprq	caprq	ADJ
ajfa-1507	288	43	-0.040	-0.040	PUNCT
ajfa-1507	288	44	*	*	PUNCT
ajfa-1507	288	45	*	*	PUNCT
ajfa-1507	288	46	-0.029	-0.029	NOUN
ajfa-1507	288	47	*	*	PUNCT
ajfa-1507	288	48	*	*	PUNCT
ajfa-1507	288	49	-0.071	-0.071	PROPN
ajfa-1507	288	50	*	*	SYM
ajfa-1507	288	51	prmonit	prmonit	NOUN
ajfa-1507	288	52	-0.018	-0.018	PUNCT
ajfa-1507	288	53	*	*	PUNCT
ajfa-1507	288	54	-0.036	-0.036	PROPN
ajfa-1507	288	55	*	*	PUNCT
ajfa-1507	288	56	-0.011	-0.011	PROPN
ajfa-1507	288	57	*	*	VERB
ajfa-1507	288	58	actrs	actrs	ADJ
ajfa-1507	288	59	-0.107	-0.107	NOUN
ajfa-1507	288	60	*	*	PUNCT
ajfa-1507	288	61	*	*	PUNCT
ajfa-1507	288	62	0.041	0.041	NUM
ajfa-1507	288	63	*	*	PUNCT
ajfa-1507	288	64	*	*	PUNCT
ajfa-1507	288	65	-0.087	-0.087	PUNCT
ajfa-1507	288	66	*	*	PUNCT
ajfa-1507	288	67	*	*	NOUN
ajfa-1507	288	68	ineffij	ineffij	NOUN
ajfa-1507	288	69	0.009	0.009	NUM
ajfa-1507	288	70	*	*	PROPN
ajfa-1507	288	71	*	*	PUNCT
ajfa-1507	288	72	0.527	0.527	NUM
ajfa-1507	288	73	*	*	PUNCT
ajfa-1507	288	74	*	*	PUNCT
ajfa-1507	288	75	-0.016	-0.016	PUNCT
ajfa-1507	288	76	*	*	PUNCT
ajfa-1507	288	77	*	*	PUNCT
ajfa-1507	288	78	nltaij	nltaij	NOUN
ajfa-1507	288	79	-0.029	-0.029	NOUN
ajfa-1507	288	80	*	*	NOUN
ajfa-1507	288	81	*	*	NOUN
ajfa-1507	288	82	-0.012	-0.012	PROPN
ajfa-1507	288	83	*	*	PUNCT
ajfa-1507	288	84	*	*	PUNCT
ajfa-1507	288	85	-0.027	-0.027	PUNCT
ajfa-1507	288	86	*	*	PUNCT
ajfa-1507	288	87	*	*	NOUN
ajfa-1507	288	88	taij	taij	NOUN
ajfa-1507	288	89	0.054	0.054	NUM
ajfa-1507	288	90	*	*	SYM
ajfa-1507	288	91	0.308	0.308	NUM
ajfa-1507	288	92	*	*	PUNCT
ajfa-1507	288	93	-0.023	-0.023	PROPN
ajfa-1507	288	94	*	*	PUNCT
ajfa-1507	288	95	*	*	PUNCT
ajfa-1507	289	1	ladij	ladij	ADV
ajfa-1507	289	2	0.042	0.042	NUM
ajfa-1507	289	3	*	*	NOUN
ajfa-1507	289	4	*	*	PUNCT
ajfa-1507	289	5	0.067	0.067	NUM
ajfa-1507	289	6	*	*	PUNCT
ajfa-1507	289	7	-0.071	-0.071	PROPN
ajfa-1507	289	8	*	*	PUNCT
ajfa-1507	289	9	*	*	PUNCT
ajfa-1507	289	10	latacj	latacj	NOUN
ajfa-1507	289	11	0.052	0.052	PRON
ajfa-1507	289	12	*	*	PUNCT
ajfa-1507	289	13	*	*	PUNCT
ajfa-1507	289	14	0.026	0.026	NUM
ajfa-1507	289	15	*	*	PUNCT
ajfa-1507	289	16	*	*	PUNCT
ajfa-1507	289	17	0.071	0.071	NUM
ajfa-1507	289	18	*	*	PUNCT
ajfa-1507	289	19	*	*	PUNCT
ajfa-1507	289	20	llptacj	llptacj	ADJ
ajfa-1507	289	21	0.674	0.674	NUM
ajfa-1507	289	22	*	*	PUNCT
ajfa-1507	289	23	*	*	PUNCT
ajfa-1507	290	1	1.210	1.210	NUM
ajfa-1507	290	2	*	*	PUNCT
ajfa-1507	290	3	*	*	PUNCT
ajfa-1507	290	4	0.748	0.748	NUM
ajfa-1507	290	5	*	*	PUNCT
ajfa-1507	290	6	*	*	PUNCT
ajfa-1507	290	7	oetacj	oetacj	NUM
ajfa-1507	290	8	0.941	0.941	NUM
ajfa-1507	290	9	*	*	PUNCT
ajfa-1507	290	10	*	*	PUNCT
ajfa-1507	290	11	1.017	1.017	NUM
ajfa-1507	290	12	*	*	X
ajfa-1507	290	13	*	*	PUNCT
ajfa-1507	290	14	0.015	0.015	NUM
ajfa-1507	290	15	*	*	PUNCT
ajfa-1507	290	16	*	*	PROPN
ajfa-1507	290	17	gdp	gdp	NOUN
ajfa-1507	290	18	0.276	0.276	NUM
ajfa-1507	290	19	*	*	NOUN
ajfa-1507	290	20	0	0	NUM
ajfa-1507	290	21	..	..	SYM
ajfa-1507	290	22	308	308	NUM
ajfa-1507	290	23	*	*	SYM
ajfa-1507	290	24	0.163	0.163	NUM
ajfa-1507	290	25	*	*	NOUN
ajfa-1507	290	26	observations	observation	NOUN
ajfa-1507	290	27	1136	1136	NUM
ajfa-1507	290	28	816	816	NUM
ajfa-1507	290	29	320	320	NUM
ajfa-1507	290	30	r2	r2	NOUN
ajfa-1507	290	31	0.521	0.521	NUM
ajfa-1507	290	32	0.417	0.417	NUM
ajfa-1507	290	33	0.394	0.394	NUM
ajfa-1507	290	34	notes	note	NOUN
ajfa-1507	290	35	:	:	PUNCT
ajfa-1507	290	36	*	*	PUNCT
ajfa-1507	290	37	and	and	CCONJ
ajfa-1507	290	38	*	*	PUNCT
ajfa-1507	290	39	*	*	NOUN
ajfa-1507	290	40	indicate	indicate	VERB
ajfa-1507	290	41	significance	significance	NOUN
ajfa-1507	290	42	at	at	ADP
ajfa-1507	290	43	the	the	DET
ajfa-1507	290	44	5	5	NUM
ajfa-1507	290	45	%	%	NOUN
ajfa-1507	290	46	and	and	CCONJ
ajfa-1507	290	47	1	1	NUM
ajfa-1507	290	48	%	%	NOUN
ajfa-1507	290	49	levels	level	NOUN
ajfa-1507	290	50	,	,	PUNCT
ajfa-1507	290	51	respectively	respectively	ADV
ajfa-1507	290	52	.	.	PUNCT
ajfa-1507	291	1	nevertheless	nevertheless	ADV
ajfa-1507	291	2	,	,	PUNCT
ajfa-1507	291	3	the	the	DET
ajfa-1507	291	4	main	main	ADJ
ajfa-1507	291	5	findings	finding	NOUN
ajfa-1507	291	6	from	from	ADP
ajfa-1507	291	7	table	table	NOUN
ajfa-1507	291	8	2	2	NUM
ajfa-1507	291	9	and	and	CCONJ
ajfa-1507	291	10	3	3	NUM
ajfa-1507	291	11	prove	prove	VERB
ajfa-1507	291	12	that	that	SCONJ
ajfa-1507	291	13	regulation	regulation	NOUN
ajfa-1507	291	14	and	and	CCONJ
ajfa-1507	291	15	supervision	supervision	NOUN
ajfa-1507	291	16	are	be	AUX
ajfa-1507	291	17	positively	positively	ADV
ajfa-1507	291	18	related	relate	VERB
ajfa-1507	291	19	for	for	ADP
ajfa-1507	291	20	conventional	conventional	ADJ
ajfa-1507	291	21	banks	bank	NOUN
ajfa-1507	291	22	’	'	PUNCT
ajfa-1507	291	23	technical	technical	ADJ
ajfa-1507	291	24	inefficiency	inefficiency	NOUN
ajfa-1507	291	25	and	and	CCONJ
ajfa-1507	291	26	negatively	negatively	ADV
ajfa-1507	291	27	related	relate	VERB
ajfa-1507	291	28	for	for	ADP
ajfa-1507	291	29	islamic	islamic	ADJ
ajfa-1507	291	30	banks	bank	NOUN
ajfa-1507	291	31	’	’	PART
ajfa-1507	291	32	technical	technical	ADJ
ajfa-1507	291	33	inefficiency	inefficiency	NOUN
ajfa-1507	291	34	.	.	PUNCT
ajfa-1507	292	1	in	in	ADP
ajfa-1507	292	2	case	case	NOUN
ajfa-1507	292	3	of	of	ADP
ajfa-1507	292	4	impact	impact	NOUN
ajfa-1507	292	5	of	of	ADP
ajfa-1507	292	6	regulatory	regulatory	ADJ
ajfa-1507	292	7	and	and	CCONJ
ajfa-1507	292	8	supervisory	supervisory	ADJ
ajfa-1507	292	9	practices	practice	NOUN
ajfa-1507	292	10	on	on	ADP
ajfa-1507	292	11	bank	bank	NOUN
ajfa-1507	292	12	risk	risk	NOUN
ajfa-1507	292	13	taking	take	VERB
ajfa-1507	292	14	we	we	PRON
ajfa-1507	292	15	did	do	AUX
ajfa-1507	292	16	not	not	PART
ajfa-1507	292	17	find	find	VERB
ajfa-1507	292	18	any	any	DET
ajfa-1507	292	19	major	major	ADJ
ajfa-1507	292	20	differences	difference	NOUN
ajfa-1507	292	21	between	between	ADP
ajfa-1507	292	22	the	the	DET
ajfa-1507	292	23	two	two	NUM
ajfa-1507	292	24	types	type	NOUN
ajfa-1507	292	25	of	of	ADP
ajfa-1507	292	26	bank	bank	NOUN
ajfa-1507	292	27	.	.	PUNCT
ajfa-1507	293	1	5	5	X
ajfa-1507	293	2	.	.	X
ajfa-1507	293	3	conclusions	conclusion	NOUN
ajfa-1507	293	4	this	this	DET
ajfa-1507	293	5	paper	paper	NOUN
ajfa-1507	293	6	extends	extend	VERB
ajfa-1507	293	7	the	the	DET
ajfa-1507	293	8	literature	literature	NOUN
ajfa-1507	293	9	on	on	ADP
ajfa-1507	293	10	bank	bank	NOUN
ajfa-1507	293	11	efficiency	efficiency	NOUN
ajfa-1507	293	12	and	and	CCONJ
ajfa-1507	293	13	risk	risk	NOUN
ajfa-1507	293	14	taking	take	VERB
ajfa-1507	293	15	by	by	ADP
ajfa-1507	293	16	providing	provide	VERB
ajfa-1507	293	17	for	for	ADP
ajfa-1507	293	18	the	the	DET
ajfa-1507	293	19	first	first	ADJ
ajfa-1507	293	20	time	time	NOUN
ajfa-1507	293	21	empirical	empirical	ADJ
ajfa-1507	293	22	evidence	evidence	NOUN
ajfa-1507	293	23	on	on	ADP
ajfa-1507	293	24	the	the	DET
ajfa-1507	293	25	association	association	NOUN
ajfa-1507	293	26	between	between	ADP
ajfa-1507	293	27	risk	risk	NOUN
ajfa-1507	293	28	and	and	CCONJ
ajfa-1507	293	29	efficiency	efficiency	NOUN
ajfa-1507	293	30	with	with	ADP
ajfa-1507	293	31	regulation	regulation	NOUN
ajfa-1507	293	32	and	and	CCONJ
ajfa-1507	293	33	supervisory	supervisory	ADJ
ajfa-1507	293	34	approaches	approach	NOUN
ajfa-1507	293	35	in	in	ADP
ajfa-1507	293	36	the	the	DET
ajfa-1507	293	37	dual	dual	ADJ
ajfa-1507	293	38	banking	banking	NOUN
ajfa-1507	293	39	system	system	NOUN
ajfa-1507	293	40	.	.	PUNCT
ajfa-1507	294	1	our	our	PRON
ajfa-1507	294	2	sample	sample	NOUN
ajfa-1507	294	3	consisted	consist	VERB
ajfa-1507	294	4	of	of	ADP
ajfa-1507	294	5	a	a	DET
ajfa-1507	294	6	panel	panel	NOUN
ajfa-1507	294	7	dataset	dataset	VERB
ajfa-1507	294	8	of	of	ADP
ajfa-1507	294	9	1136	1136	NUM
ajfa-1507	294	10	observations	observation	NOUN
ajfa-1507	294	11	covering	cover	VERB
ajfa-1507	294	12	the	the	DET
ajfa-1507	294	13	period	period	NOUN
ajfa-1507	294	14	2006	2006	NUM
ajfa-1507	294	15	-	-	SYM
ajfa-1507	294	16	2010	2010	NUM
ajfa-1507	294	17	,	,	PUNCT
ajfa-1507	294	18	from	from	ADP
ajfa-1507	294	19	165	165	NUM
ajfa-1507	294	20	conventional	conventional	ADJ
ajfa-1507	294	21	banks	bank	NOUN
ajfa-1507	294	22	and	and	CCONJ
ajfa-1507	294	23	70	70	NUM
ajfa-1507	294	24	islamic	islamic	ADJ
ajfa-1507	294	25	banks	bank	NOUN
ajfa-1507	294	26	operating	operate	VERB
ajfa-1507	294	27	in	in	ADP
ajfa-1507	294	28	11	11	NUM
ajfa-1507	294	29	countries	country	NOUN
ajfa-1507	294	30	which	which	PRON
ajfa-1507	294	31	have	have	VERB
ajfa-1507	294	32	distinction	distinction	NOUN
ajfa-1507	294	33	of	of	ADP
ajfa-1507	294	34	“	"	PUNCT
ajfa-1507	294	35	dual	dual	ADJ
ajfa-1507	294	36	-	-	PUNCT
ajfa-1507	294	37	banking	banking	NOUN
ajfa-1507	294	38	system	system	NOUN
ajfa-1507	294	39	”	"	PUNCT
ajfa-1507	294	40	.	.	PUNCT
ajfa-1507	295	1	considering	consider	VERB
ajfa-1507	295	2	the	the	DET
ajfa-1507	295	3	conflicting	conflict	VERB
ajfa-1507	295	4	theoretical	theoretical	ADJ
ajfa-1507	295	5	views	view	NOUN
ajfa-1507	295	6	in	in	ADP
ajfa-1507	295	7	the	the	DET
ajfa-1507	295	8	literature	literature	NOUN
ajfa-1507	295	9	and	and	CCONJ
ajfa-1507	295	10	on	on	ADP
ajfa-1507	295	11	-	-	PUNCT
ajfa-1507	295	12	going	go	VERB
ajfa-1507	295	13	debate	debate	NOUN
ajfa-1507	295	14	on	on	ADP
ajfa-1507	295	15	the	the	DET
ajfa-1507	295	16	superiority	superiority	NOUN
ajfa-1507	295	17	of	of	ADP
ajfa-1507	295	18	the	the	DET
ajfa-1507	295	19	two	two	NUM
ajfa-1507	295	20	alternative	alternative	ADJ
ajfa-1507	295	21	banking	banking	NOUN
ajfa-1507	295	22	systems	system	NOUN
ajfa-1507	295	23	in	in	ADP
ajfa-1507	295	24	form	form	NOUN
ajfa-1507	295	25	of	of	ADP
ajfa-1507	295	26	conventional	conventional	ADJ
ajfa-1507	295	27	and	and	CCONJ
ajfa-1507	295	28	islamic	islamic	ADJ
ajfa-1507	295	29	banking	banking	NOUN
ajfa-1507	295	30	system	system	NOUN
ajfa-1507	295	31	,	,	PUNCT
ajfa-1507	295	32	we	we	PRON
ajfa-1507	295	33	focused	focus	VERB
ajfa-1507	295	34	on	on	ADP
ajfa-1507	295	35	regulations	regulation	NOUN
ajfa-1507	295	36	related	relate	VERB
ajfa-1507	295	37	to	to	ADP
ajfa-1507	295	38	capital	capital	NOUN
ajfa-1507	295	39	requirements	requirement	NOUN
ajfa-1507	295	40	,	,	PUNCT
ajfa-1507	295	41	official	official	ADJ
ajfa-1507	295	42	supervisory	supervisory	ADJ
ajfa-1507	295	43	power	power	NOUN
ajfa-1507	295	44	,	,	PUNCT
ajfa-1507	295	45	market	market	NOUN
ajfa-1507	295	46	discipline	discipline	NOUN
ajfa-1507	295	47	,	,	PUNCT
ajfa-1507	295	48	and	and	CCONJ
ajfa-1507	295	49	restrictions	restriction	NOUN
ajfa-1507	295	50	on	on	ADP
ajfa-1507	295	51	bank	bank	NOUN
ajfa-1507	295	52	efficiency	efficiency	NOUN
ajfa-1507	295	53	and	and	CCONJ
ajfa-1507	295	54	risk	risk	NOUN
ajfa-1507	295	55	taking	take	VERB
ajfa-1507	295	56	behaviour	behaviour	NOUN
ajfa-1507	295	57	.	.	PUNCT
ajfa-1507	296	1	the	the	DET
ajfa-1507	296	2	efficiency	efficiency	NOUN
ajfa-1507	296	3	scores	score	NOUN
ajfa-1507	296	4	used	use	VERB
ajfa-1507	296	5	in	in	ADP
ajfa-1507	296	6	our	our	PRON
ajfa-1507	296	7	models	model	NOUN
ajfa-1507	296	8	are	be	AUX
ajfa-1507	296	9	estimated	estimate	VERB
ajfa-1507	296	10	using	use	VERB
ajfa-1507	296	11	input	input	NOUN
ajfa-1507	296	12	-	-	PUNCT
ajfa-1507	296	13	oriented	orient	VERB
ajfa-1507	296	14	dea	dea	NOUN
ajfa-1507	296	15	methodology	methodology	NOUN
ajfa-1507	296	16	.	.	PUNCT
ajfa-1507	297	1	we	we	PRON
ajfa-1507	297	2	also	also	ADV
ajfa-1507	297	3	consider	consider	VERB
ajfa-1507	297	4	risk	risk	NOUN
ajfa-1507	297	5	measures	measure	NOUN
ajfa-1507	297	6	calculated	calculate	VERB
ajfa-1507	297	7	using	use	VERB
ajfa-1507	297	8	traditional	traditional	ADJ
ajfa-1507	297	9	loan	loan	NOUN
ajfa-1507	297	10	loss	loss	NOUN
ajfa-1507	297	11	reserve	reserve	NOUN
ajfa-1507	297	12	ratio	ratio	NOUN
ajfa-1507	297	13	as	as	ADP
ajfa-1507	297	14	requirement	requirement	NOUN
ajfa-1507	297	15	for	for	ADP
ajfa-1507	297	16	tier	tier	NOUN
ajfa-1507	297	17	2	2	NUM
ajfa-1507	297	18	capital	capital	NOUN
ajfa-1507	297	19	.	.	PUNCT
ajfa-1507	298	1	our	our	PRON
ajfa-1507	298	2	results	result	NOUN
ajfa-1507	298	3	indicated	indicate	VERB
ajfa-1507	298	4	that	that	SCONJ
ajfa-1507	298	5	islamic	islamic	ADJ
ajfa-1507	298	6	banks	bank	NOUN
ajfa-1507	298	7	efficiency	efficiency	NOUN
ajfa-1507	298	8	were	be	AUX
ajfa-1507	298	9	positively	positively	ADV
ajfa-1507	298	10	influenced	influence	VERB
ajfa-1507	298	11	by	by	ADP
ajfa-1507	298	12	regulations	regulation	NOUN
ajfa-1507	298	13	related	relate	VERB
ajfa-1507	298	14	to	to	ADP
ajfa-1507	298	15	the	the	DET
ajfa-1507	298	16	second	second	ADJ
ajfa-1507	298	17	and	and	CCONJ
ajfa-1507	298	18	third	third	ADJ
ajfa-1507	298	19	pillars	pillar	NOUN
ajfa-1507	298	20	of	of	ADP
ajfa-1507	298	21	basel	basel	PROPN
ajfa-1507	298	22	ii	ii	PROPN
ajfa-1507	298	23	,	,	PUNCT
ajfa-1507	298	24	namely	namely	ADV
ajfa-1507	298	25	higher	high	ADJ
ajfa-1507	298	26	supervisory	supervisory	ADJ
ajfa-1507	298	27	power	power	NOUN
ajfa-1507	298	28	,	,	PUNCT
ajfa-1507	298	29	and	and	CCONJ
ajfa-1507	298	30	disclosures	disclosure	NOUN
ajfa-1507	298	31	while	while	SCONJ
ajfa-1507	298	32	conventional	conventional	ADJ
ajfa-1507	298	33	banks	bank	NOUN
ajfa-1507	298	34	efficiency	efficiency	NOUN
ajfa-1507	298	35	were	be	AUX
ajfa-1507	298	36	negatively	negatively	ADV
ajfa-1507	298	37	influenced	influence	VERB
ajfa-1507	298	38	.	.	PUNCT
ajfa-1507	299	1	stricter	strict	ADJ
ajfa-1507	299	2	regulations	regulation	NOUN
ajfa-1507	299	3	,	,	PUNCT
ajfa-1507	299	4	related	relate	VERB
ajfa-1507	299	5	to	to	ADP
ajfa-1507	299	6	the	the	DET
ajfa-1507	299	7	first	first	ADJ
ajfa-1507	299	8	pillar	pillar	NOUN
ajfa-1507	299	9	(	(	PUNCT
ajfa-1507	299	10	i.e.	i.e.	X
ajfa-1507	299	11	capital	capital	NOUN
ajfa-1507	299	12	requirements	requirement	NOUN
ajfa-1507	299	13	)	)	PUNCT
ajfa-1507	299	14	had	have	VERB
ajfa-1507	299	15	a	a	DET
ajfa-1507	299	16	positive	positive	ADJ
ajfa-1507	299	17	impact	impact	NOUN
ajfa-1507	299	18	on	on	ADP
ajfa-1507	299	19	technical	technical	ADJ
ajfa-1507	299	20	efficiency	efficiency	NOUN
ajfa-1507	299	21	for	for	ADP
ajfa-1507	299	22	both	both	DET
ajfa-1507	299	23	groups	group	NOUN
ajfa-1507	299	24	of	of	ADP
ajfa-1507	299	25	banks	bank	NOUN
ajfa-1507	299	26	.	.	PUNCT
ajfa-1507	300	1	higher	high	ADJ
ajfa-1507	300	2	capital	capital	NOUN
ajfa-1507	300	3	requirements	requirement	NOUN
ajfa-1507	300	4	also	also	ADV
ajfa-1507	300	5	induce	induce	VERB
ajfa-1507	300	6	lower	low	ADJ
ajfa-1507	300	7	level	level	NOUN
ajfa-1507	300	8	of	of	ADP
ajfa-1507	300	9	risk	risk	NOUN
ajfa-1507	300	10	behaviour	behaviour	NOUN
ajfa-1507	300	11	for	for	ADP
ajfa-1507	300	12	both	both	DET
ajfa-1507	300	13	types	type	NOUN
ajfa-1507	300	14	of	of	ADP
ajfa-1507	300	15	banks	bank	NOUN
ajfa-1507	300	16	.	.	PUNCT
ajfa-1507	301	1	we	we	PRON
ajfa-1507	301	2	observed	observe	VERB
ajfa-1507	301	3	the	the	DET
ajfa-1507	301	4	opposite	opposite	ADJ
ajfa-1507	301	5	effect	effect	NOUN
ajfa-1507	301	6	in	in	ADP
ajfa-1507	301	7	the	the	DET
ajfa-1507	301	8	case	case	NOUN
ajfa-1507	301	9	of	of	ADP
ajfa-1507	301	10	asian	asian	ADJ
ajfa-1507	301	11	journal	journal	NOUN
ajfa-1507	301	12	of	of	ADP
ajfa-1507	301	13	finance	finance	PROPN
ajfa-1507	301	14	&	&	CCONJ
ajfa-1507	301	15	accounting	accounting	PROPN
ajfa-1507	301	16	issn	issn	PROPN
ajfa-1507	301	17	1946	1946	NUM
ajfa-1507	301	18	-	-	PUNCT
ajfa-1507	301	19	052x	052x	NOUN
ajfa-1507	301	20	2012	2012	NUM
ajfa-1507	301	21	,	,	PUNCT
ajfa-1507	301	22	vol	vol	NOUN
ajfa-1507	301	23	.	.	PROPN
ajfa-1507	301	24	4	4	NUM
ajfa-1507	301	25	,	,	PUNCT
ajfa-1507	301	26	no	no	INTJ
ajfa-1507	301	27	.	.	NOUN
ajfa-1507	301	28	1	1	NUM
ajfa-1507	301	29	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	301	30	236	236	NUM
ajfa-1507	301	31	restrictions	restriction	NOUN
ajfa-1507	301	32	on	on	ADP
ajfa-1507	301	33	bank	bank	NOUN
ajfa-1507	301	34	activities	activity	NOUN
ajfa-1507	301	35	,	,	PUNCT
ajfa-1507	301	36	with	with	ADP
ajfa-1507	301	37	higher	high	ADJ
ajfa-1507	301	38	restrictions	restriction	NOUN
ajfa-1507	301	39	having	have	VERB
ajfa-1507	301	40	a	a	DET
ajfa-1507	301	41	negative	negative	ADJ
ajfa-1507	301	42	influence	influence	NOUN
ajfa-1507	301	43	on	on	ADP
ajfa-1507	301	44	risk	risk	NOUN
ajfa-1507	301	45	taking	take	VERB
ajfa-1507	301	46	behaviour	behaviour	NOUN
ajfa-1507	301	47	of	of	ADP
ajfa-1507	301	48	conventional	conventional	ADJ
ajfa-1507	301	49	banks	bank	NOUN
ajfa-1507	301	50	while	while	SCONJ
ajfa-1507	301	51	reducing	reduce	VERB
ajfa-1507	301	52	the	the	DET
ajfa-1507	301	53	level	level	NOUN
ajfa-1507	301	54	of	of	ADP
ajfa-1507	301	55	riskiness	riskiness	NOUN
ajfa-1507	301	56	of	of	ADP
ajfa-1507	301	57	islamic	islamic	ADJ
ajfa-1507	301	58	banks	bank	NOUN
ajfa-1507	301	59	.	.	PUNCT
ajfa-1507	302	1	moreover	moreover	ADV
ajfa-1507	302	2	,	,	PUNCT
ajfa-1507	302	3	our	our	PRON
ajfa-1507	302	4	findings	finding	NOUN
ajfa-1507	302	5	on	on	ADP
ajfa-1507	302	6	pillar	pillar	NOUN
ajfa-1507	302	7	3	3	NUM
ajfa-1507	302	8	of	of	ADP
ajfa-1507	302	9	basel	basel	PROPN
ajfa-1507	302	10	ii	ii	PROPN
ajfa-1507	302	11	,	,	PUNCT
ajfa-1507	302	12	market	market	NOUN
ajfa-1507	302	13	discipline	discipline	NOUN
ajfa-1507	302	14	,	,	PUNCT
ajfa-1507	302	15	indicate	indicate	VERB
ajfa-1507	302	16	that	that	SCONJ
ajfa-1507	302	17	excessive	excessive	ADJ
ajfa-1507	302	18	private	private	ADJ
ajfa-1507	302	19	monitoring	monitoring	NOUN
ajfa-1507	302	20	and	and	CCONJ
ajfa-1507	302	21	regulatory	regulatory	ADJ
ajfa-1507	302	22	restrictions	restriction	NOUN
ajfa-1507	302	23	on	on	ADP
ajfa-1507	302	24	bank	bank	NOUN
ajfa-1507	302	25	activities	activity	NOUN
ajfa-1507	302	26	can	can	AUX
ajfa-1507	302	27	affect	affect	VERB
ajfa-1507	302	28	the	the	DET
ajfa-1507	302	29	efficient	efficient	ADJ
ajfa-1507	302	30	operation	operation	NOUN
ajfa-1507	302	31	of	of	ADP
ajfa-1507	302	32	banks	bank	NOUN
ajfa-1507	302	33	.	.	PUNCT
ajfa-1507	303	1	a	a	DET
ajfa-1507	303	2	message	message	NOUN
ajfa-1507	303	3	that	that	PRON
ajfa-1507	303	4	emerges	emerge	VERB
ajfa-1507	303	5	from	from	ADP
ajfa-1507	303	6	this	this	DET
ajfa-1507	303	7	analysis	analysis	NOUN
ajfa-1507	303	8	is	be	AUX
ajfa-1507	303	9	that	that	SCONJ
ajfa-1507	303	10	there	there	PRON
ajfa-1507	303	11	is	be	VERB
ajfa-1507	303	12	a	a	DET
ajfa-1507	303	13	strong	strong	ADJ
ajfa-1507	303	14	link	link	NOUN
ajfa-1507	303	15	between	between	ADP
ajfa-1507	303	16	bank	bank	NOUN
ajfa-1507	303	17	efficiency	efficiency	NOUN
ajfa-1507	303	18	and	and	CCONJ
ajfa-1507	303	19	bank	bank	NOUN
ajfa-1507	303	20	regulatory	regulatory	ADJ
ajfa-1507	303	21	and	and	CCONJ
ajfa-1507	303	22	supervisory	supervisory	ADJ
ajfa-1507	303	23	policies	policy	NOUN
ajfa-1507	303	24	that	that	PRON
ajfa-1507	303	25	obstructs	obstruct	VERB
ajfa-1507	303	26	private	private	ADJ
ajfa-1507	303	27	sector	sector	NOUN
ajfa-1507	303	28	monitoring	monitoring	NOUN
ajfa-1507	303	29	,	,	PUNCT
ajfa-1507	303	30	bank	bank	NOUN
ajfa-1507	303	31	activities	activity	NOUN
ajfa-1507	303	32	.	.	PUNCT
ajfa-1507	304	1	it	it	PRON
ajfa-1507	304	2	is	be	AUX
ajfa-1507	304	3	also	also	ADV
ajfa-1507	304	4	conclusive	conclusive	ADJ
ajfa-1507	304	5	that	that	SCONJ
ajfa-1507	304	6	islamic	islamic	ADJ
ajfa-1507	304	7	banking	banking	NOUN
ajfa-1507	304	8	system	system	NOUN
ajfa-1507	304	9	works	work	VERB
ajfa-1507	304	10	well	well	ADV
ajfa-1507	304	11	within	within	ADP
ajfa-1507	304	12	stricter	strict	ADJ
ajfa-1507	304	13	regulatory	regulatory	ADJ
ajfa-1507	304	14	environment	environment	NOUN
ajfa-1507	304	15	compared	compare	VERB
ajfa-1507	304	16	to	to	ADP
ajfa-1507	304	17	their	their	PRON
ajfa-1507	304	18	conventional	conventional	ADJ
ajfa-1507	304	19	counterpart	counterpart	NOUN
ajfa-1507	304	20	.	.	PUNCT
ajfa-1507	305	1	basel	basel	PROPN
ajfa-1507	305	2	ii	ii	PROPN
ajfa-1507	305	3	suggested	suggest	VERB
ajfa-1507	305	4	that	that	SCONJ
ajfa-1507	305	5	stricter	strict	ADJ
ajfa-1507	305	6	regulations	regulation	NOUN
ajfa-1507	305	7	could	could	AUX
ajfa-1507	305	8	hamper	hamper	VERB
ajfa-1507	305	9	banking	banking	NOUN
ajfa-1507	305	10	efficiency	efficiency	NOUN
ajfa-1507	305	11	.	.	PUNCT
ajfa-1507	306	1	the	the	DET
ajfa-1507	306	2	existence	existence	NOUN
ajfa-1507	306	3	of	of	ADP
ajfa-1507	306	4	a	a	DET
ajfa-1507	306	5	powerful	powerful	ADJ
ajfa-1507	306	6	supervisory	supervisory	ADJ
ajfa-1507	306	7	body	body	NOUN
ajfa-1507	306	8	could	could	AUX
ajfa-1507	306	9	also	also	ADV
ajfa-1507	306	10	lead	lead	VERB
ajfa-1507	306	11	to	to	ADP
ajfa-1507	306	12	inefficiency	inefficiency	NOUN
ajfa-1507	306	13	.	.	PUNCT
ajfa-1507	307	1	dea	dea	NOUN
ajfa-1507	307	2	scores	score	NOUN
ajfa-1507	307	3	from	from	ADP
ajfa-1507	307	4	this	this	DET
ajfa-1507	307	5	paper	paper	NOUN
ajfa-1507	307	6	suggest	suggest	VERB
ajfa-1507	307	7	that	that	SCONJ
ajfa-1507	307	8	this	this	PRON
ajfa-1507	307	9	may	may	AUX
ajfa-1507	307	10	not	not	PART
ajfa-1507	307	11	necessarily	necessarily	ADV
ajfa-1507	307	12	be	be	AUX
ajfa-1507	307	13	the	the	DET
ajfa-1507	307	14	case	case	NOUN
ajfa-1507	307	15	especially	especially	ADV
ajfa-1507	307	16	where	where	SCONJ
ajfa-1507	307	17	a	a	DET
ajfa-1507	307	18	country	country	NOUN
ajfa-1507	307	19	is	be	AUX
ajfa-1507	307	20	a	a	DET
ajfa-1507	307	21	developing	develop	VERB
ajfa-1507	307	22	one	one	NUM
ajfa-1507	307	23	and	and	CCONJ
ajfa-1507	307	24	does	do	AUX
ajfa-1507	307	25	not	not	PART
ajfa-1507	307	26	have	have	VERB
ajfa-1507	307	27	a	a	DET
ajfa-1507	307	28	proper	proper	ADJ
ajfa-1507	307	29	framework	framework	NOUN
ajfa-1507	307	30	to	to	PART
ajfa-1507	307	31	control	control	VERB
ajfa-1507	307	32	corruption	corruption	NOUN
ajfa-1507	307	33	.	.	PUNCT
ajfa-1507	308	1	islamic	islamic	ADJ
ajfa-1507	308	2	banks	bank	NOUN
ajfa-1507	308	3	appear	appear	VERB
ajfa-1507	308	4	to	to	PART
ajfa-1507	308	5	be	be	AUX
ajfa-1507	308	6	efficient	efficient	ADJ
ajfa-1507	308	7	in	in	ADP
ajfa-1507	308	8	difficult	difficult	ADJ
ajfa-1507	308	9	conditions	condition	NOUN
ajfa-1507	308	10	where	where	SCONJ
ajfa-1507	308	11	it	it	PRON
ajfa-1507	308	12	does	do	AUX
ajfa-1507	308	13	not	not	PART
ajfa-1507	308	14	have	have	VERB
ajfa-1507	308	15	the	the	DET
ajfa-1507	308	16	traditional	traditional	ADJ
ajfa-1507	308	17	safeguards	safeguard	NOUN
ajfa-1507	308	18	such	such	ADJ
ajfa-1507	308	19	as	as	ADP
ajfa-1507	308	20	a	a	DET
ajfa-1507	308	21	fully	fully	ADV
ajfa-1507	308	22	function	function	NOUN
ajfa-1507	308	23	and	and	CCONJ
ajfa-1507	308	24	trustworthy	trustworthy	ADJ
ajfa-1507	308	25	legal	legal	ADJ
ajfa-1507	308	26	system	system	NOUN
ajfa-1507	308	27	.	.	PUNCT
ajfa-1507	309	1	the	the	DET
ajfa-1507	309	2	efficiency	efficiency	NOUN
ajfa-1507	309	3	of	of	ADP
ajfa-1507	309	4	islamic	islamic	ADJ
ajfa-1507	309	5	banks	bank	NOUN
ajfa-1507	309	6	where	where	SCONJ
ajfa-1507	309	7	compared	compare	VERB
ajfa-1507	309	8	against	against	ADP
ajfa-1507	309	9	its	its	PRON
ajfa-1507	309	10	peers	peer	NOUN
ajfa-1507	309	11	in	in	ADP
ajfa-1507	309	12	the	the	DET
ajfa-1507	309	13	conventional	conventional	ADJ
ajfa-1507	309	14	side	side	NOUN
ajfa-1507	309	15	has	have	AUX
ajfa-1507	309	16	not	not	PART
ajfa-1507	309	17	shown	show	VERB
ajfa-1507	309	18	any	any	DET
ajfa-1507	309	19	advantages	advantage	NOUN
ajfa-1507	309	20	or	or	CCONJ
ajfa-1507	309	21	disadvantages	disadvantage	NOUN
ajfa-1507	309	22	in	in	ADP
ajfa-1507	309	23	regard	regard	NOUN
ajfa-1507	309	24	to	to	ADP
ajfa-1507	309	25	the	the	DET
ajfa-1507	309	26	system	system	NOUN
ajfa-1507	309	27	itself	itself	PRON
ajfa-1507	309	28	,	,	PUNCT
ajfa-1507	309	29	many	many	ADJ
ajfa-1507	309	30	of	of	ADP
ajfa-1507	309	31	the	the	DET
ajfa-1507	309	32	factors	factor	NOUN
ajfa-1507	309	33	boiled	boil	VERB
ajfa-1507	309	34	down	down	ADP
ajfa-1507	309	35	to	to	ADP
ajfa-1507	309	36	the	the	DET
ajfa-1507	309	37	bank	bank	NOUN
ajfa-1507	309	38	itself	itself	PRON
ajfa-1507	309	39	rather	rather	ADV
ajfa-1507	309	40	than	than	ADP
ajfa-1507	309	41	anything	anything	PRON
ajfa-1507	309	42	else	else	ADV
ajfa-1507	309	43	.	.	PUNCT
ajfa-1507	310	1	usually	usually	ADV
ajfa-1507	310	2	it	it	PRON
ajfa-1507	310	3	appeared	appear	VERB
ajfa-1507	310	4	that	that	SCONJ
ajfa-1507	310	5	full	full	ADJ
ajfa-1507	310	6	-	-	PUNCT
ajfa-1507	310	7	fledged	fledged	ADJ
ajfa-1507	310	8	islamic	islamic	ADJ
ajfa-1507	310	9	banks	bank	NOUN
ajfa-1507	310	10	were	be	AUX
ajfa-1507	310	11	not	not	PART
ajfa-1507	310	12	as	as	ADV
ajfa-1507	310	13	efficient	efficient	ADJ
ajfa-1507	310	14	as	as	ADP
ajfa-1507	310	15	those	those	PRON
ajfa-1507	310	16	that	that	PRON
ajfa-1507	310	17	are	be	AUX
ajfa-1507	310	18	subsidiaries	subsidiary	NOUN
ajfa-1507	310	19	of	of	ADP
ajfa-1507	310	20	larger	large	ADJ
ajfa-1507	310	21	conventional	conventional	ADJ
ajfa-1507	310	22	banks	bank	NOUN
ajfa-1507	310	23	,	,	PUNCT
ajfa-1507	310	24	this	this	PRON
ajfa-1507	310	25	was	be	AUX
ajfa-1507	310	26	definitely	definitely	ADV
ajfa-1507	310	27	the	the	DET
ajfa-1507	310	28	case	case	NOUN
ajfa-1507	310	29	in	in	ADP
ajfa-1507	310	30	malaysia	malaysia	PROPN
ajfa-1507	310	31	and	and	CCONJ
ajfa-1507	310	32	the	the	DET
ajfa-1507	310	33	gcc	gcc	NOUN
ajfa-1507	310	34	region	region	NOUN
ajfa-1507	310	35	.	.	PUNCT
ajfa-1507	311	1	however	however	ADV
ajfa-1507	311	2	it	it	PRON
ajfa-1507	311	3	does	do	AUX
ajfa-1507	311	4	appear	appear	VERB
ajfa-1507	311	5	that	that	SCONJ
ajfa-1507	311	6	issues	issue	NOUN
ajfa-1507	311	7	such	such	ADJ
ajfa-1507	311	8	as	as	ADP
ajfa-1507	311	9	capital	capital	NOUN
ajfa-1507	311	10	requirements	requirement	NOUN
ajfa-1507	311	11	and	and	CCONJ
ajfa-1507	311	12	liquidity	liquidity	NOUN
ajfa-1507	311	13	requirements	requirement	NOUN
ajfa-1507	311	14	had	have	VERB
ajfa-1507	311	15	less	less	ADJ
ajfa-1507	311	16	of	of	ADP
ajfa-1507	311	17	an	an	DET
ajfa-1507	311	18	impact	impact	NOUN
ajfa-1507	311	19	on	on	ADP
ajfa-1507	311	20	islamic	islamic	ADJ
ajfa-1507	311	21	banks	bank	NOUN
ajfa-1507	311	22	than	than	ADP
ajfa-1507	311	23	their	their	PRON
ajfa-1507	311	24	conventional	conventional	ADJ
ajfa-1507	311	25	counterparts	counterpart	NOUN
ajfa-1507	311	26	.	.	PUNCT
ajfa-1507	312	1	on	on	ADP
ajfa-1507	312	2	the	the	DET
ajfa-1507	312	3	basis	basis	NOUN
ajfa-1507	312	4	of	of	ADP
ajfa-1507	312	5	above	above	ADJ
ajfa-1507	312	6	assertions	assertion	NOUN
ajfa-1507	312	7	it	it	PRON
ajfa-1507	312	8	will	will	AUX
ajfa-1507	312	9	not	not	PART
ajfa-1507	312	10	be	be	AUX
ajfa-1507	312	11	wrong	wrong	ADJ
ajfa-1507	312	12	to	to	PART
ajfa-1507	312	13	say	say	VERB
ajfa-1507	312	14	that	that	SCONJ
ajfa-1507	312	15	islamic	islamic	ADJ
ajfa-1507	312	16	banks	bank	NOUN
ajfa-1507	312	17	are	be	AUX
ajfa-1507	312	18	better	well	ADV
ajfa-1507	312	19	equipped	equip	VERB
ajfa-1507	312	20	towards	towards	ADP
ajfa-1507	312	21	the	the	DET
ajfa-1507	312	22	implementation	implementation	NOUN
ajfa-1507	312	23	of	of	ADP
ajfa-1507	312	24	basel	basel	PROPN
ajfa-1507	312	25	iii	iii	PROPN
ajfa-1507	312	26	guidelines	guideline	NOUN
ajfa-1507	312	27	.	.	PUNCT
ajfa-1507	313	1	further	further	ADJ
ajfa-1507	313	2	areas	area	NOUN
ajfa-1507	313	3	of	of	ADP
ajfa-1507	313	4	study	study	NOUN
ajfa-1507	313	5	should	should	AUX
ajfa-1507	313	6	seek	seek	VERB
ajfa-1507	313	7	to	to	PART
ajfa-1507	313	8	investigate	investigate	VERB
ajfa-1507	313	9	the	the	DET
ajfa-1507	313	10	consistency	consistency	NOUN
ajfa-1507	313	11	of	of	ADP
ajfa-1507	313	12	our	our	PRON
ajfa-1507	313	13	dual	dual	ADJ
ajfa-1507	313	14	banking	banking	NOUN
ajfa-1507	313	15	findings	finding	NOUN
ajfa-1507	313	16	applied	apply	VERB
ajfa-1507	313	17	to	to	ADP
ajfa-1507	313	18	a	a	DET
ajfa-1507	313	19	more	more	ADV
ajfa-1507	313	20	representative	representative	ADJ
ajfa-1507	313	21	and	and	CCONJ
ajfa-1507	313	22	contemporary	contemporary	ADJ
ajfa-1507	313	23	sample	sample	NOUN
ajfa-1507	313	24	of	of	ADP
ajfa-1507	313	25	both	both	CCONJ
ajfa-1507	313	26	conventional	conventional	ADJ
ajfa-1507	313	27	and	and	CCONJ
ajfa-1507	313	28	islamic	islamic	ADJ
ajfa-1507	313	29	banks	bank	NOUN
ajfa-1507	313	30	.	.	PUNCT
ajfa-1507	314	1	the	the	DET
ajfa-1507	314	2	approach	approach	NOUN
ajfa-1507	314	3	could	could	AUX
ajfa-1507	314	4	also	also	ADV
ajfa-1507	314	5	be	be	AUX
ajfa-1507	314	6	expanded	expand	VERB
ajfa-1507	314	7	to	to	PART
ajfa-1507	314	8	examine	examine	VERB
ajfa-1507	314	9	the	the	DET
ajfa-1507	314	10	consistency	consistency	NOUN
ajfa-1507	314	11	of	of	ADP
ajfa-1507	314	12	findings	finding	NOUN
ajfa-1507	314	13	by	by	ADP
ajfa-1507	314	14	using	use	VERB
ajfa-1507	314	15	alternative	alternative	ADJ
ajfa-1507	314	16	accounting	accounting	NOUN
ajfa-1507	314	17	and	and	CCONJ
ajfa-1507	314	18	market	market	NOUN
ajfa-1507	314	19	-	-	PUNCT
ajfa-1507	314	20	based	base	VERB
ajfa-1507	314	21	indicators	indicator	NOUN
ajfa-1507	314	22	of	of	ADP
ajfa-1507	314	23	banking	banking	NOUN
ajfa-1507	314	24	risk	risk	NOUN
ajfa-1507	314	25	,	,	PUNCT
ajfa-1507	314	26	basel	basel	PROPN
ajfa-1507	314	27	capital	capital	NOUN
ajfa-1507	314	28	strength	strength	NOUN
ajfa-1507	314	29	factors	factor	NOUN
ajfa-1507	314	30	and	and	CCONJ
ajfa-1507	314	31	alternative	alternative	ADJ
ajfa-1507	314	32	banking	banking	NOUN
ajfa-1507	314	33	efficiency	efficiency	NOUN
ajfa-1507	314	34	measures	measure	NOUN
ajfa-1507	314	35	.	.	PUNCT
ajfa-1507	315	1	references	reference	NOUN
ajfa-1507	315	2	altunbas	altunbas	PROPN
ajfa-1507	315	3	,	,	PUNCT
ajfa-1507	315	4	y.	y.	PROPN
ajfa-1507	315	5	,	,	PUNCT
ajfa-1507	315	6	carbo	carbo	PROPN
ajfa-1507	315	7	,	,	PUNCT
ajfa-1507	315	8	s.	s.	PROPN
ajfa-1507	315	9	,	,	PUNCT
ajfa-1507	315	10	gardener	gardener	NOUN
ajfa-1507	315	11	,	,	PUNCT
ajfa-1507	315	12	e.p.m	e.p.m	PROPN
ajfa-1507	315	13	.	.	PROPN
ajfa-1507	315	14	,	,	PUNCT
ajfa-1507	315	15	&	&	CCONJ
ajfa-1507	315	16	p.	p.	PROPN
ajfa-1507	315	17	molyneux	molyneux	PROPN
ajfa-1507	315	18	.	.	PUNCT
ajfa-1507	316	1	(	(	PUNCT
ajfa-1507	316	2	2007	2007	NUM
ajfa-1507	316	3	)	)	PUNCT
ajfa-1507	316	4	.	.	PUNCT
ajfa-1507	317	1	examining	examine	VERB
ajfa-1507	317	2	the	the	DET
ajfa-1507	317	3	relationship	relationship	NOUN
ajfa-1507	317	4	between	between	ADP
ajfa-1507	317	5	capital	capital	NOUN
ajfa-1507	317	6	,	,	PUNCT
ajfa-1507	317	7	risk	risk	NOUN
ajfa-1507	317	8	and	and	CCONJ
ajfa-1507	317	9	efficiency	efficiency	NOUN
ajfa-1507	317	10	in	in	ADP
ajfa-1507	317	11	european	european	ADJ
ajfa-1507	317	12	banking	banking	NOUN
ajfa-1507	317	13	.	.	PUNCT
ajfa-1507	318	1	european	european	ADJ
ajfa-1507	318	2	financial	financial	ADJ
ajfa-1507	318	3	management	management	NOUN
ajfa-1507	318	4	,	,	PUNCT
ajfa-1507	318	5	13(1	13(1	NUM
ajfa-1507	318	6	)	)	PUNCT
ajfa-1507	318	7	,	,	PUNCT
ajfa-1507	318	8	49	49	NUM
ajfa-1507	318	9	-	-	SYM
ajfa-1507	318	10	70	70	NUM
ajfa-1507	318	11	.	.	PUNCT
ajfa-1507	319	1	http://dx.doi.org/10.1111/j.1468-036x.2006.00285.x	http://dx.doi.org/10.1111/j.1468-036x.2006.00285.x	VERB
ajfa-1507	319	2	altunbas	altunbas	NOUN
ajfa-1507	319	3	,	,	PUNCT
ajfa-1507	319	4	y.	y.	NOUN
ajfa-1507	319	5	,	,	PUNCT
ajfa-1507	319	6	gardener	gardener	NOUN
ajfa-1507	319	7	,	,	PUNCT
ajfa-1507	319	8	e.p.m	e.p.m	PROPN
ajfa-1507	319	9	.	.	PROPN
ajfa-1507	319	10	,	,	PUNCT
ajfa-1507	319	11	molyneux	molyneux	PROPN
ajfa-1507	319	12	,	,	PUNCT
ajfa-1507	319	13	p.	p.	PROPN
ajfa-1507	319	14	,	,	PUNCT
ajfa-1507	319	15	&	&	CCONJ
ajfa-1507	319	16	b.	b.	PROPN
ajfa-1507	319	17	moore	moore	PROPN
ajfa-1507	319	18	.	.	PUNCT
ajfa-1507	320	1	(	(	PUNCT
ajfa-1507	320	2	2001	2001	NUM
ajfa-1507	320	3	)	)	PUNCT
ajfa-1507	320	4	.	.	PUNCT
ajfa-1507	321	1	efficiency	efficiency	NOUN
ajfa-1507	321	2	in	in	ADP
ajfa-1507	321	3	european	european	ADJ
ajfa-1507	321	4	banking	banking	NOUN
ajfa-1507	321	5	.	.	PUNCT
ajfa-1507	322	1	european	european	PROPN
ajfa-1507	322	2	economic	economic	PROPN
ajfa-1507	322	3	review	review	PROPN
ajfa-1507	322	4	,	,	PUNCT
ajfa-1507	322	5	45	45	NUM
ajfa-1507	322	6	,	,	PUNCT
ajfa-1507	322	7	1931	1931	NUM
ajfa-1507	322	8	-	-	SYM
ajfa-1507	322	9	1955	1955	NUM
ajfa-1507	322	10	.	.	PUNCT
ajfa-1507	323	1	http://dx.doi.org/10.1016/s0014-2921(00)00091-x	http://dx.doi.org/10.1016/s0014-2921(00)00091-x	PROPN
ajfa-1507	323	2	andersen	andersen	PROPN
ajfa-1507	323	3	,	,	PUNCT
ajfa-1507	323	4	p.	p.	PROPN
ajfa-1507	323	5	,	,	PUNCT
ajfa-1507	323	6	&	&	CCONJ
ajfa-1507	323	7	n.c	n.c	PROPN
ajfa-1507	323	8	.	.	PROPN
ajfa-1507	323	9	petersen	petersen	PROPN
ajfa-1507	323	10	.	.	PUNCT
ajfa-1507	324	1	(	(	PUNCT
ajfa-1507	324	2	1993	1993	NUM
ajfa-1507	324	3	)	)	PUNCT
ajfa-1507	324	4	.	.	PUNCT
ajfa-1507	325	1	a	a	DET
ajfa-1507	325	2	procedure	procedure	NOUN
ajfa-1507	325	3	for	for	ADP
ajfa-1507	325	4	ranking	rank	VERB
ajfa-1507	325	5	efficient	efficient	ADJ
ajfa-1507	325	6	units	unit	NOUN
ajfa-1507	325	7	in	in	ADP
ajfa-1507	325	8	data	datum	NOUN
ajfa-1507	325	9	envelopment	envelopment	ADJ
ajfa-1507	325	10	analysis	analysis	NOUN
ajfa-1507	325	11	.	.	PUNCT
ajfa-1507	326	1	management	management	NOUN
ajfa-1507	326	2	science	science	NOUN
ajfa-1507	326	3	,	,	PUNCT
ajfa-1507	326	4	39	39	NUM
ajfa-1507	326	5	,	,	PUNCT
ajfa-1507	326	6	1261	1261	NUM
ajfa-1507	326	7	-	-	SYM
ajfa-1507	326	8	1264	1264	NUM
ajfa-1507	326	9	.	.	PUNCT
ajfa-1507	327	1	http://dx.doi.org/10.1287/mnsc.39.10.1261	http://dx.doi.org/10.1287/mnsc.39.10.1261	NOUN
ajfa-1507	327	2	asian	asian	ADJ
ajfa-1507	327	3	journal	journal	NOUN
ajfa-1507	327	4	of	of	ADP
ajfa-1507	327	5	finance	finance	PROPN
ajfa-1507	327	6	&	&	CCONJ
ajfa-1507	327	7	accounting	accounting	PROPN
ajfa-1507	327	8	issn	issn	PROPN
ajfa-1507	327	9	1946	1946	NUM
ajfa-1507	327	10	-	-	PUNCT
ajfa-1507	327	11	052x	052x	NOUN
ajfa-1507	327	12	2012	2012	NUM
ajfa-1507	327	13	,	,	PUNCT
ajfa-1507	327	14	vol	vol	NOUN
ajfa-1507	327	15	.	.	PROPN
ajfa-1507	327	16	4	4	NUM
ajfa-1507	327	17	,	,	PUNCT
ajfa-1507	327	18	no	no	INTJ
ajfa-1507	327	19	.	.	NOUN
ajfa-1507	327	20	1	1	NUM
ajfa-1507	327	21	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	327	22	237	237	NUM
ajfa-1507	327	23	barth	barth	NOUN
ajfa-1507	327	24	,	,	PUNCT
ajfa-1507	327	25	j.r	j.r	PROPN
ajfa-1507	327	26	.	.	PROPN
ajfa-1507	327	27	,	,	PUNCT
ajfa-1507	327	28	caprio	caprio	PROPN
ajfa-1507	327	29	,	,	PUNCT
ajfa-1507	327	30	g.	g.	PROPN
ajfa-1507	327	31	,	,	PUNCT
ajfa-1507	327	32	&	&	CCONJ
ajfa-1507	327	33	r.	r.	PROPN
ajfa-1507	327	34	levine	levine	PROPN
ajfa-1507	327	35	.	.	PUNCT
ajfa-1507	328	1	(	(	PUNCT
ajfa-1507	328	2	2007b	2007b	NUM
ajfa-1507	328	3	)	)	PUNCT
ajfa-1507	328	4	.	.	PUNCT
ajfa-1507	329	1	bank	bank	NOUN
ajfa-1507	329	2	regulations	regulation	NOUN
ajfa-1507	329	3	are	be	AUX
ajfa-1507	329	4	changing	change	VERB
ajfa-1507	329	5	:	:	PUNCT
ajfa-1507	329	6	but	but	CCONJ
ajfa-1507	329	7	for	for	ADP
ajfa-1507	329	8	better	well	ADJ
ajfa-1507	329	9	or	or	CCONJ
ajfa-1507	329	10	worse	bad	ADJ
ajfa-1507	329	11	?	?	PUNCT
ajfa-1507	330	1	world	world	PROPN
ajfa-1507	330	2	bank	bank	PROPN
ajfa-1507	330	3	.	.	PUNCT
ajfa-1507	331	1	retrieved	retrieve	VERB
ajfa-1507	331	2	from	from	ADP
ajfa-1507	331	3	http://go.worldbank.org/snusw978p0	http://go.worldbank.org/snusw978p0	PROPN
ajfa-1507	331	4	.	.	PROPN
ajfa-1507	331	5	barth	barth	PROPN
ajfa-1507	331	6	,	,	PUNCT
ajfa-1507	331	7	j.r	j.r	PROPN
ajfa-1507	331	8	.	.	PROPN
ajfa-1507	331	9	,	,	PUNCT
ajfa-1507	331	10	caprio	caprio	PROPN
ajfa-1507	331	11	,	,	PUNCT
ajfa-1507	331	12	g.	g.	PROPN
ajfa-1507	331	13	,	,	PUNCT
ajfa-1507	331	14	&	&	CCONJ
ajfa-1507	331	15	r.	r.	PROPN
ajfa-1507	331	16	levine	levine	PROPN
ajfa-1507	331	17	.	.	PUNCT
ajfa-1507	332	1	(	(	PUNCT
ajfa-1507	332	2	2007a	2007a	NUM
ajfa-1507	332	3	)	)	PUNCT
ajfa-1507	332	4	.	.	PUNCT
ajfa-1507	333	1	the	the	DET
ajfa-1507	333	2	microeconomic	microeconomic	ADJ
ajfa-1507	333	3	effects	effect	NOUN
ajfa-1507	333	4	of	of	ADP
ajfa-1507	333	5	different	different	ADJ
ajfa-1507	333	6	approaches	approach	NOUN
ajfa-1507	333	7	to	to	ADP
ajfa-1507	333	8	bank	bank	PROPN
ajfa-1507	333	9	supervision	supervision	NOUN
ajfa-1507	333	10	.	.	PUNCT
ajfa-1507	334	1	in	in	ADP
ajfa-1507	334	2	haber	haber	PROPN
ajfa-1507	334	3	,	,	PUNCT
ajfa-1507	334	4	s.	s.	PROPN
ajfa-1507	334	5	,	,	PUNCT
ajfa-1507	334	6	north	north	PROPN
ajfa-1507	334	7	,	,	PUNCT
ajfa-1507	334	8	d.	d.	PROPN
ajfa-1507	334	9	and	and	CCONJ
ajfa-1507	334	10	b.weingast	b.weingast	ADJ
ajfa-1507	334	11	,	,	PUNCT
ajfa-1507	334	12	(	(	PUNCT
ajfa-1507	334	13	eds	ed	NOUN
ajfa-1507	334	14	)	)	PUNCT
ajfa-1507	334	15	,	,	PUNCT
ajfa-1507	334	16	the	the	DET
ajfa-1507	334	17	politics	politic	NOUN
ajfa-1507	334	18	of	of	ADP
ajfa-1507	334	19	financial	financial	ADJ
ajfa-1507	334	20	development	development	NOUN
ajfa-1507	334	21	,	,	PUNCT
ajfa-1507	334	22	stanford	stanford	PROPN
ajfa-1507	334	23	university	university	PROPN
ajfa-1507	334	24	press	press	PROPN
ajfa-1507	334	25	.	.	PUNCT
ajfa-1507	335	1	barth	barth	PROPN
ajfa-1507	335	2	,	,	PUNCT
ajfa-1507	335	3	j.r	j.r	PROPN
ajfa-1507	335	4	.	.	PROPN
ajfa-1507	335	5	,	,	PUNCT
ajfa-1507	335	6	caprio	caprio	PROPN
ajfa-1507	335	7	,	,	PUNCT
ajfa-1507	335	8	g.	g.	PROPN
ajfa-1507	335	9	,	,	PUNCT
ajfa-1507	335	10	&	&	CCONJ
ajfa-1507	335	11	r.	r.	PROPN
ajfa-1507	335	12	levine	levine	PROPN
ajfa-1507	335	13	.	.	PUNCT
ajfa-1507	336	1	(	(	PUNCT
ajfa-1507	336	2	2006	2006	NUM
ajfa-1507	336	3	)	)	PUNCT
ajfa-1507	336	4	.	.	PUNCT
ajfa-1507	337	1	rethinking	rethink	VERB
ajfa-1507	337	2	bank	bank	NOUN
ajfa-1507	337	3	regulation	regulation	NOUN
ajfa-1507	337	4	:	:	PUNCT
ajfa-1507	337	5	till	till	SCONJ
ajfa-1507	337	6	angels	angel	NOUN
ajfa-1507	337	7	govern	govern	VERB
ajfa-1507	337	8	.	.	PUNCT
ajfa-1507	338	1	cambridge	cambridge	PROPN
ajfa-1507	338	2	:	:	PUNCT
ajfa-1507	338	3	cambridge	cambridge	PROPN
ajfa-1507	338	4	university	university	PROPN
ajfa-1507	338	5	press	press	PROPN
ajfa-1507	338	6	.	.	PUNCT
ajfa-1507	339	1	barth	barth	PROPN
ajfa-1507	339	2	,	,	PUNCT
ajfa-1507	339	3	j.r	j.r	PROPN
ajfa-1507	339	4	.	.	PROPN
ajfa-1507	339	5	,	,	PUNCT
ajfa-1507	339	6	caprio	caprio	PROPN
ajfa-1507	339	7	,	,	PUNCT
ajfa-1507	339	8	g.	g.	PROPN
ajfa-1507	339	9	,	,	PUNCT
ajfa-1507	339	10	&	&	CCONJ
ajfa-1507	339	11	r.	r.	PROPN
ajfa-1507	339	12	levine	levine	PROPN
ajfa-1507	339	13	.	.	PUNCT
ajfa-1507	340	1	(	(	PUNCT
ajfa-1507	340	2	2004	2004	NUM
ajfa-1507	340	3	)	)	PUNCT
ajfa-1507	340	4	.	.	PUNCT
ajfa-1507	341	1	bank	bank	NOUN
ajfa-1507	341	2	regulation	regulation	NOUN
ajfa-1507	341	3	and	and	CCONJ
ajfa-1507	341	4	supervision	supervision	NOUN
ajfa-1507	341	5	:	:	PUNCT
ajfa-1507	341	6	what	what	PRON
ajfa-1507	341	7	works	work	VERB
ajfa-1507	341	8	best	well	ADV
ajfa-1507	341	9	?	?	PUNCT
ajfa-1507	342	1	journal	journal	NOUN
ajfa-1507	342	2	of	of	ADP
ajfa-1507	342	3	financial	financial	ADJ
ajfa-1507	342	4	intermediation	intermediation	NOUN
ajfa-1507	342	5	,	,	PUNCT
ajfa-1507	342	6	13	13	NUM
ajfa-1507	342	7	,	,	PUNCT
ajfa-1507	342	8	205	205	NUM
ajfa-1507	342	9	-	-	SYM
ajfa-1507	342	10	248	248	NUM
ajfa-1507	342	11	.	.	PUNCT
ajfa-1507	343	1	http://dx.doi.org/10.1016/j.jfi.2003.06.002	http://dx.doi.org/10.1016/j.jfi.2003.06.002	PROPN
ajfa-1507	343	2	barth	barth	PROPN
ajfa-1507	343	3	,	,	PUNCT
ajfa-1507	343	4	j.r	j.r	PROPN
ajfa-1507	343	5	.	.	PROPN
ajfa-1507	343	6	,	,	PUNCT
ajfa-1507	343	7	caprio	caprio	PROPN
ajfa-1507	343	8	,	,	PUNCT
ajfa-1507	343	9	g.	g.	PROPN
ajfa-1507	343	10	,	,	PUNCT
ajfa-1507	343	11	&	&	CCONJ
ajfa-1507	343	12	r.	r.	PROPN
ajfa-1507	343	13	levine	levine	PROPN
ajfa-1507	343	14	.	.	PUNCT
ajfa-1507	344	1	(	(	PUNCT
ajfa-1507	344	2	2001	2001	NUM
ajfa-1507	344	3	)	)	PUNCT
ajfa-1507	344	4	.	.	PUNCT
ajfa-1507	345	1	banking	banking	NOUN
ajfa-1507	345	2	systems	system	NOUN
ajfa-1507	345	3	around	around	ADP
ajfa-1507	345	4	the	the	DET
ajfa-1507	345	5	globe	globe	NOUN
ajfa-1507	345	6	:	:	PUNCT
ajfa-1507	345	7	do	do	AUX
ajfa-1507	345	8	regulations	regulation	NOUN
ajfa-1507	345	9	and	and	CCONJ
ajfa-1507	345	10	ownership	ownership	NOUN
ajfa-1507	345	11	affect	affect	VERB
ajfa-1507	345	12	performance	performance	NOUN
ajfa-1507	345	13	and	and	CCONJ
ajfa-1507	345	14	stability	stability	NOUN
ajfa-1507	345	15	?	?	PUNCT
ajfa-1507	346	1	in	in	ADP
ajfa-1507	346	2	mishkin	mishkin	NOUN
ajfa-1507	346	3	f.s	f.s	PROPN
ajfa-1507	346	4	.	.	PUNCT
ajfa-1507	347	1	(	(	PUNCT
ajfa-1507	347	2	ed	ed	NOUN
ajfa-1507	347	3	)	)	PUNCT
ajfa-1507	347	4	,	,	PUNCT
ajfa-1507	347	5	prudential	prudential	PROPN
ajfa-1507	347	6	supervision	supervision	NOUN
ajfa-1507	347	7	:	:	PUNCT
ajfa-1507	347	8	what	what	PRON
ajfa-1507	347	9	works	work	VERB
ajfa-1507	347	10	and	and	CCONJ
ajfa-1507	347	11	what	what	PRON
ajfa-1507	347	12	does	do	VERB
ajfa-1507	347	13	n’t	not	PART
ajfa-1507	347	14	.	.	PUNCT
ajfa-1507	348	1	pp	pp	ADV
ajfa-1507	348	2	.	.	PUNCT
ajfa-1507	349	1	31	31	NUM
ajfa-1507	349	2	-	-	SYM
ajfa-1507	349	3	88	88	NUM
ajfa-1507	349	4	.	.	PUNCT
ajfa-1507	350	1	university	university	NOUN
ajfa-1507	350	2	of	of	ADP
ajfa-1507	350	3	chicago	chicago	PROPN
ajfa-1507	350	4	press	press	PROPN
ajfa-1507	350	5	,	,	PUNCT
ajfa-1507	350	6	barth	barth	PROPN
ajfa-1507	350	7	,	,	PUNCT
ajfa-1507	350	8	j.r	j.r	PROPN
ajfa-1507	350	9	.	.	PROPN
ajfa-1507	350	10	,	,	PUNCT
ajfa-1507	350	11	nolle	nolle	PROPN
ajfa-1507	350	12	,	,	PUNCT
ajfa-1507	350	13	d.e	d.e	PROPN
ajfa-1507	350	14	,	,	PUNCT
ajfa-1507	350	15	phumiwasana	phumiwasana	NOUN
ajfa-1507	350	16	,	,	PUNCT
ajfa-1507	350	17	t.	t.	PROPN
ajfa-1507	350	18	,	,	PUNCT
ajfa-1507	350	19	&	&	CCONJ
ajfa-1507	350	20	g.	g.	PROPN
ajfa-1507	350	21	yago	yago	PROPN
ajfa-1507	350	22	.	.	PUNCT
ajfa-1507	351	1	(	(	PUNCT
ajfa-1507	351	2	2003a	2003a	NUM
ajfa-1507	351	3	)	)	PUNCT
ajfa-1507	351	4	.	.	PUNCT
ajfa-1507	352	1	across	across	ADP
ajfa-1507	352	2	-	-	PUNCT
ajfa-1507	352	3	country	country	NOUN
ajfa-1507	352	4	analysis	analysis	NOUN
ajfa-1507	352	5	of	of	ADP
ajfa-1507	352	6	the	the	DET
ajfa-1507	352	7	bank	bank	NOUN
ajfa-1507	352	8	supervisory	supervisory	ADJ
ajfa-1507	352	9	framework	framework	NOUN
ajfa-1507	352	10	and	and	CCONJ
ajfa-1507	352	11	bank	bank	NOUN
ajfa-1507	352	12	performance	performance	NOUN
ajfa-1507	352	13	.	.	PUNCT
ajfa-1507	353	1	financial	financial	ADJ
ajfa-1507	353	2	markets	market	NOUN
ajfa-1507	353	3	,	,	PUNCT
ajfa-1507	353	4	institutions	institution	NOUN
ajfa-1507	353	5	and	and	CCONJ
ajfa-1507	353	6	instruments	instrument	NOUN
ajfa-1507	353	7	,	,	PUNCT
ajfa-1507	353	8	12	12	NUM
ajfa-1507	353	9	,	,	PUNCT
ajfa-1507	353	10	67	67	NUM
ajfa-1507	353	11	-	-	SYM
ajfa-1507	353	12	120	120	NUM
ajfa-1507	353	13	.	.	PUNCT
ajfa-1507	353	14	barth	barth	PROPN
ajfa-1507	353	15	,	,	PUNCT
ajfa-1507	353	16	j.r	j.r	PROPN
ajfa-1507	353	17	.	.	PROPN
ajfa-1507	353	18	,	,	PUNCT
ajfa-1507	353	19	caprio	caprio	PROPN
ajfa-1507	353	20	,	,	PUNCT
ajfa-1507	353	21	g.	g.	PROPN
ajfa-1507	353	22	,	,	PUNCT
ajfa-1507	353	23	&	&	CCONJ
ajfa-1507	353	24	r.	r.	PROPN
ajfa-1507	353	25	levine	levine	PROPN
ajfa-1507	353	26	.	.	PUNCT
ajfa-1507	354	1	(	(	PUNCT
ajfa-1507	354	2	2003b	2003b	NUM
ajfa-1507	354	3	)	)	PUNCT
ajfa-1507	354	4	.	.	PUNCT
ajfa-1507	355	1	bank	bank	NOUN
ajfa-1507	355	2	regulation	regulation	NOUN
ajfa-1507	355	3	and	and	CCONJ
ajfa-1507	355	4	supervision	supervision	NOUN
ajfa-1507	355	5	:	:	PUNCT
ajfa-1507	355	6	lessons	lesson	NOUN
ajfa-1507	355	7	from	from	ADP
ajfa-1507	355	8	a	a	DET
ajfa-1507	355	9	new	new	ADJ
ajfa-1507	355	10	database	database	NOUN
ajfa-1507	355	11	,	,	PUNCT
ajfa-1507	355	12	in	in	ADP
ajfa-1507	355	13	garza	garza	PROPN
ajfa-1507	355	14	j.a.m	j.a.m	PROPN
ajfa-1507	355	15	.	.	PUNCT
ajfa-1507	356	1	(	(	PUNCT
ajfa-1507	356	2	ed	ed	NOUN
ajfa-1507	356	3	)	)	PUNCT
ajfa-1507	356	4	,	,	PUNCT
ajfa-1507	356	5	macroeconomic	macroeconomic	ADJ
ajfa-1507	356	6	stability	stability	NOUN
ajfa-1507	356	7	,	,	PUNCT
ajfa-1507	356	8	financial	financial	ADJ
ajfa-1507	356	9	markets	market	NOUN
ajfa-1507	356	10	,	,	PUNCT
ajfa-1507	356	11	and	and	CCONJ
ajfa-1507	356	12	economic	economic	ADJ
ajfa-1507	356	13	development	development	NOUN
ajfa-1507	356	14	,	,	PUNCT
ajfa-1507	356	15	mexico	mexico	PROPN
ajfa-1507	356	16	city	city	PROPN
ajfa-1507	356	17	:	:	PUNCT
ajfa-1507	356	18	banco	banco	PROPN
ajfa-1507	356	19	de	de	PROPN
ajfa-1507	356	20	mexico	mexico	PROPN
ajfa-1507	356	21	.	.	PUNCT
ajfa-1507	357	1	basel	basel	PROPN
ajfa-1507	357	2	committee	committee	PROPN
ajfa-1507	357	3	on	on	ADP
ajfa-1507	357	4	bank	bank	PROPN
ajfa-1507	357	5	supervision	supervision	PROPN
ajfa-1507	357	6	,	,	PUNCT
ajfa-1507	357	7	(	(	PUNCT
ajfa-1507	357	8	2009	2009	NUM
ajfa-1507	357	9	)	)	PUNCT
ajfa-1507	357	10	.	.	PUNCT
ajfa-1507	358	1	strengthening	strengthen	VERB
ajfa-1507	358	2	the	the	DET
ajfa-1507	358	3	reliance	reliance	NOUN
ajfa-1507	358	4	of	of	ADP
ajfa-1507	358	5	the	the	DET
ajfa-1507	358	6	banking	banking	NOUN
ajfa-1507	358	7	sector	sector	NOUN
ajfa-1507	358	8	–	–	PUNCT
ajfa-1507	358	9	consultative	consultative	ADJ
ajfa-1507	358	10	document	document	NOUN
ajfa-1507	358	11	.	.	PUNCT
ajfa-1507	359	1	retrieved	retrieve	VERB
ajfa-1507	359	2	from	from	ADP
ajfa-1507	359	3	http://www.bis.org/publ/bcbs164.htm	http://www.bis.org/publ/bcbs164.htm	PROPN
ajfa-1507	359	4	.	.	PUNCT
ajfa-1507	360	1	beck	beck	PROPN
ajfa-1507	360	2	,	,	PUNCT
ajfa-1507	360	3	t.	t.	PROPN
ajfa-1507	360	4	,	,	PUNCT
ajfa-1507	360	5	demirguc	demirguc	PROPN
ajfa-1507	360	6	-	-	PUNCT
ajfa-1507	360	7	kunt	kunt	PROPN
ajfa-1507	360	8	,	,	PUNCT
ajfa-1507	360	9	a.	a.	PROPN
ajfa-1507	360	10	,	,	PUNCT
ajfa-1507	360	11	&	&	CCONJ
ajfa-1507	360	12	r.	r.	PROPN
ajfa-1507	360	13	levine	levine	PROPN
ajfa-1507	360	14	.	.	PUNCT
ajfa-1507	361	1	(	(	PUNCT
ajfa-1507	361	2	2006	2006	NUM
ajfa-1507	361	3	)	)	PUNCT
ajfa-1507	361	4	.	.	PUNCT
ajfa-1507	362	1	bank	bank	NOUN
ajfa-1507	362	2	supervision	supervision	NOUN
ajfa-1507	362	3	and	and	CCONJ
ajfa-1507	362	4	corruption	corruption	NOUN
ajfa-1507	362	5	in	in	ADP
ajfa-1507	362	6	lending	lending	NOUN
ajfa-1507	362	7	.	.	PUNCT
ajfa-1507	363	1	journal	journal	PROPN
ajfa-1507	363	2	of	of	ADP
ajfa-1507	363	3	monetary	monetary	ADJ
ajfa-1507	363	4	economics	economic	NOUN
ajfa-1507	363	5	,	,	PUNCT
ajfa-1507	363	6	53	53	NUM
ajfa-1507	363	7	,	,	PUNCT
ajfa-1507	363	8	2131	2131	NUM
ajfa-1507	363	9	-	-	SYM
ajfa-1507	363	10	2163	2163	NUM
ajfa-1507	363	11	.	.	PUNCT
ajfa-1507	364	1	http://dx.doi.org/10.1016/j.jmoneco.2005.10.014	http://dx.doi.org/10.1016/j.jmoneco.2005.10.014	PROPN
ajfa-1507	364	2	becker	becker	NOUN
ajfa-1507	364	3	,	,	PUNCT
ajfa-1507	364	4	g.	g.	PROPN
ajfa-1507	364	5	(	(	PUNCT
ajfa-1507	364	6	1983	1983	NUM
ajfa-1507	364	7	)	)	PUNCT
ajfa-1507	364	8	.	.	PUNCT
ajfa-1507	365	1	a	a	DET
ajfa-1507	365	2	theory	theory	NOUN
ajfa-1507	365	3	of	of	ADP
ajfa-1507	365	4	competition	competition	NOUN
ajfa-1507	365	5	among	among	ADP
ajfa-1507	365	6	pressure	pressure	NOUN
ajfa-1507	365	7	groups	group	NOUN
ajfa-1507	365	8	for	for	ADP
ajfa-1507	365	9	political	political	ADJ
ajfa-1507	365	10	influence	influence	NOUN
ajfa-1507	365	11	.	.	PUNCT
ajfa-1507	366	1	quarterly	quarterly	ADJ
ajfa-1507	366	2	journal	journal	NOUN
ajfa-1507	366	3	of	of	ADP
ajfa-1507	366	4	economics	economic	NOUN
ajfa-1507	366	5	,	,	PUNCT
ajfa-1507	366	6	98	98	NUM
ajfa-1507	366	7	,	,	PUNCT
ajfa-1507	366	8	371	371	NUM
ajfa-1507	366	9	-	-	SYM
ajfa-1507	366	10	400	400	NUM
ajfa-1507	366	11	.	.	PUNCT
ajfa-1507	367	1	http://dx.doi.org/10.2307/1886017	http://dx.doi.org/10.2307/1886017	PROPN
ajfa-1507	367	2	berger	berger	PROPN
ajfa-1507	367	3	,	,	PUNCT
ajfa-1507	367	4	a.n	a.n	PROPN
ajfa-1507	367	5	.	.	PROPN
ajfa-1507	367	6	(	(	PUNCT
ajfa-1507	367	7	1995	1995	NUM
ajfa-1507	367	8	)	)	PUNCT
ajfa-1507	367	9	.	.	PUNCT
ajfa-1507	368	1	the	the	DET
ajfa-1507	368	2	profit	profit	NOUN
ajfa-1507	368	3	-	-	PUNCT
ajfa-1507	368	4	structure	structure	NOUN
ajfa-1507	368	5	relationship	relationship	NOUN
ajfa-1507	368	6	in	in	ADP
ajfa-1507	368	7	banking	banking	NOUN
ajfa-1507	368	8	–	–	PUNCT
ajfa-1507	368	9	tests	test	NOUN
ajfa-1507	368	10	of	of	ADP
ajfa-1507	368	11	market	market	NOUN
ajfa-1507	368	12	-	-	PUNCT
ajfa-1507	368	13	power	power	NOUN
ajfa-1507	368	14	and	and	CCONJ
ajfa-1507	368	15	efficiency	efficiency	NOUN
ajfa-1507	368	16	-	-	PUNCT
ajfa-1507	368	17	structure	structure	NOUN
ajfa-1507	368	18	hypotheses	hypothesis	NOUN
ajfa-1507	368	19	.	.	PUNCT
ajfa-1507	369	1	journal	journal	NOUN
ajfa-1507	369	2	of	of	ADP
ajfa-1507	369	3	money	money	NOUN
ajfa-1507	369	4	,	,	PUNCT
ajfa-1507	369	5	credit	credit	NOUN
ajfa-1507	369	6	and	and	CCONJ
ajfa-1507	369	7	banking	banking	NOUN
ajfa-1507	369	8	,	,	PUNCT
ajfa-1507	369	9	27	27	NUM
ajfa-1507	369	10	,	,	PUNCT
ajfa-1507	369	11	404	404	NUM
ajfa-1507	369	12	-	-	SYM
ajfa-1507	369	13	431	431	NUM
ajfa-1507	369	14	.	.	PUNCT
ajfa-1507	370	1	http://dx.doi.org/10.2307/2077876	http://dx.doi.org/10.2307/2077876	NOUN
ajfa-1507	370	2	berger	berger	PROPN
ajfa-1507	370	3	,	,	PUNCT
ajfa-1507	370	4	a.n	a.n	PROPN
ajfa-1507	370	5	.	.	PROPN
ajfa-1507	370	6	,	,	PUNCT
ajfa-1507	370	7	&	&	CCONJ
ajfa-1507	370	8	e.	e.	PROPN
ajfa-1507	370	9	bonaccorsi	bonaccorsi	PROPN
ajfa-1507	370	10	di	di	PROPN
ajfa-1507	370	11	patti	patti	PROPN
ajfa-1507	370	12	.	.	PUNCT
ajfa-1507	371	1	(	(	PUNCT
ajfa-1507	371	2	2006	2006	NUM
ajfa-1507	371	3	)	)	PUNCT
ajfa-1507	371	4	.	.	PUNCT
ajfa-1507	372	1	capital	capital	NOUN
ajfa-1507	372	2	structure	structure	NOUN
ajfa-1507	372	3	and	and	CCONJ
ajfa-1507	372	4	firm	firm	ADJ
ajfa-1507	372	5	performance	performance	NOUN
ajfa-1507	372	6	:	:	PUNCT
ajfa-1507	372	7	a	a	DET
ajfa-1507	372	8	new	new	ADJ
ajfa-1507	372	9	approach	approach	NOUN
ajfa-1507	372	10	to	to	ADP
ajfa-1507	372	11	testing	testing	NOUN
ajfa-1507	372	12	agency	agency	NOUN
ajfa-1507	372	13	theory	theory	NOUN
ajfa-1507	372	14	and	and	CCONJ
ajfa-1507	372	15	an	an	DET
ajfa-1507	372	16	application	application	NOUN
ajfa-1507	372	17	to	to	ADP
ajfa-1507	372	18	the	the	DET
ajfa-1507	372	19	banking	banking	NOUN
ajfa-1507	372	20	industry	industry	NOUN
ajfa-1507	372	21	.	.	PUNCT
ajfa-1507	373	1	journal	journal	PROPN
ajfa-1507	373	2	of	of	ADP
ajfa-1507	373	3	banking	banking	NOUN
ajfa-1507	373	4	and	and	CCONJ
ajfa-1507	373	5	finance	finance	NOUN
ajfa-1507	373	6	,	,	PUNCT
ajfa-1507	373	7	30	30	NUM
ajfa-1507	373	8	,	,	PUNCT
ajfa-1507	373	9	1065	1065	NUM
ajfa-1507	373	10	-	-	SYM
ajfa-1507	373	11	1102	1102	NUM
ajfa-1507	373	12	.	.	PUNCT
ajfa-1507	374	1	http://dx.doi.org/10.1016/j.jbankfin.2005.05.015	http://dx.doi.org/10.1016/j.jbankfin.2005.05.015	PROPN
ajfa-1507	374	2	berger	berger	PROPN
ajfa-1507	374	3	,	,	PUNCT
ajfa-1507	374	4	a.n	a.n	PROPN
ajfa-1507	374	5	.	.	PROPN
ajfa-1507	374	6	,	,	PUNCT
ajfa-1507	374	7	&	&	CCONJ
ajfa-1507	374	8	t.	t.	PROPN
ajfa-1507	374	9	hannan	hannan	PROPN
ajfa-1507	374	10	.	.	PUNCT
ajfa-1507	375	1	(	(	PUNCT
ajfa-1507	375	2	1998	1998	NUM
ajfa-1507	375	3	)	)	PUNCT
ajfa-1507	375	4	.	.	PUNCT
ajfa-1507	376	1	the	the	DET
ajfa-1507	376	2	efficiency	efficiency	NOUN
ajfa-1507	376	3	cost	cost	NOUN
ajfa-1507	376	4	of	of	ADP
ajfa-1507	376	5	market	market	NOUN
ajfa-1507	376	6	power	power	NOUN
ajfa-1507	376	7	in	in	ADP
ajfa-1507	376	8	the	the	DET
ajfa-1507	376	9	banking	banking	NOUN
ajfa-1507	376	10	industry	industry	NOUN
ajfa-1507	376	11	:	:	PUNCT
ajfa-1507	376	12	a	a	DET
ajfa-1507	376	13	test	test	NOUN
ajfa-1507	376	14	of	of	ADP
ajfa-1507	376	15	the	the	DET
ajfa-1507	376	16	‘	'	PUNCT
ajfa-1507	376	17	quiet	quiet	ADJ
ajfa-1507	376	18	life	life	NOUN
ajfa-1507	376	19	’	'	PUNCT
ajfa-1507	376	20	and	and	CCONJ
ajfa-1507	376	21	related	related	ADJ
ajfa-1507	376	22	hypotheses	hypothesis	NOUN
ajfa-1507	376	23	.	.	PUNCT
ajfa-1507	377	1	review	review	NOUN
ajfa-1507	377	2	of	of	ADP
ajfa-1507	377	3	economics	economic	NOUN
ajfa-1507	377	4	and	and	CCONJ
ajfa-1507	377	5	statistics	statistic	NOUN
ajfa-1507	377	6	,	,	PUNCT
ajfa-1507	377	7	80	80	NUM
ajfa-1507	377	8	,	,	PUNCT
ajfa-1507	377	9	454	454	NUM
ajfa-1507	377	10	-	-	SYM
ajfa-1507	377	11	465	465	NUM
ajfa-1507	377	12	.	.	PUNCT
ajfa-1507	378	1	http://dx.doi.org/10.1162/003465398557555	http://dx.doi.org/10.1162/003465398557555	PROPN
ajfa-1507	378	2	asian	asian	PROPN
ajfa-1507	378	3	journal	journal	PROPN
ajfa-1507	378	4	of	of	ADP
ajfa-1507	378	5	finance	finance	PROPN
ajfa-1507	378	6	&	&	CCONJ
ajfa-1507	378	7	accounting	accounting	PROPN
ajfa-1507	378	8	issn	issn	PROPN
ajfa-1507	378	9	1946	1946	NUM
ajfa-1507	378	10	-	-	PUNCT
ajfa-1507	378	11	052x	052x	NOUN
ajfa-1507	378	12	2012	2012	NUM
ajfa-1507	378	13	,	,	PUNCT
ajfa-1507	378	14	vol	vol	NOUN
ajfa-1507	378	15	.	.	PROPN
ajfa-1507	378	16	4	4	NUM
ajfa-1507	378	17	,	,	PUNCT
ajfa-1507	378	18	no	no	INTJ
ajfa-1507	378	19	.	.	NOUN
ajfa-1507	378	20	1	1	NUM
ajfa-1507	378	21	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	378	22	238	238	NUM
ajfa-1507	378	23	berger	berger	NOUN
ajfa-1507	378	24	,	,	PUNCT
ajfa-1507	378	25	a.n	a.n	PROPN
ajfa-1507	378	26	.	.	PROPN
ajfa-1507	378	27	,	,	PUNCT
ajfa-1507	378	28	herring	herre	VERB
ajfa-1507	378	29	r.j	r.j	PROPN
ajfa-1507	378	30	.	.	PROPN
ajfa-1507	378	31	,	,	PUNCT
ajfa-1507	378	32	&	&	CCONJ
ajfa-1507	378	33	g.p	g.p	PROPN
ajfa-1507	378	34	.	.	PROPN
ajfa-1507	378	35	szego	szego	PROPN
ajfa-1507	378	36	.	.	PUNCT
ajfa-1507	379	1	(	(	PUNCT
ajfa-1507	379	2	1995	1995	NUM
ajfa-1507	379	3	)	)	PUNCT
ajfa-1507	379	4	.	.	PUNCT
ajfa-1507	380	1	the	the	DET
ajfa-1507	380	2	role	role	NOUN
ajfa-1507	380	3	of	of	ADP
ajfa-1507	380	4	capital	capital	NOUN
ajfa-1507	380	5	in	in	ADP
ajfa-1507	380	6	financial	financial	ADJ
ajfa-1507	380	7	institutions	institution	NOUN
ajfa-1507	380	8	.	.	PUNCT
ajfa-1507	381	1	journal	journal	NOUN
ajfa-1507	381	2	of	of	ADP
ajfa-1507	381	3	banking	banking	NOUN
ajfa-1507	381	4	and	and	CCONJ
ajfa-1507	381	5	finance	finance	NOUN
ajfa-1507	381	6	,	,	PUNCT
ajfa-1507	381	7	19	19	NUM
ajfa-1507	381	8	,	,	PUNCT
ajfa-1507	381	9	393	393	NUM
ajfa-1507	381	10	-	-	SYM
ajfa-1507	381	11	430	430	NUM
ajfa-1507	381	12	.	.	PUNCT
ajfa-1507	382	1	http://dx.doi.org/10.1016/0378-4266(95)00002-x	http://dx.doi.org/10.1016/0378-4266(95)00002-x	X
ajfa-1507	382	2	berger	berger	PROPN
ajfa-1507	382	3	,	,	PUNCT
ajfa-1507	382	4	a.n	a.n	PROPN
ajfa-1507	382	5	.	.	PROPN
ajfa-1507	382	6	,	,	PUNCT
ajfa-1507	382	7	&	&	CCONJ
ajfa-1507	382	8	d.b	d.b	PROPN
ajfa-1507	382	9	.	.	PROPN
ajfa-1507	382	10	humphrey	humphrey	PROPN
ajfa-1507	382	11	.	.	PUNCT
ajfa-1507	383	1	(	(	PUNCT
ajfa-1507	383	2	1997	1997	NUM
ajfa-1507	383	3	)	)	PUNCT
ajfa-1507	383	4	.	.	PUNCT
ajfa-1507	384	1	efficiency	efficiency	NOUN
ajfa-1507	384	2	of	of	ADP
ajfa-1507	384	3	financial	financial	ADJ
ajfa-1507	384	4	institutions	institution	NOUN
ajfa-1507	384	5	:	:	PUNCT
ajfa-1507	384	6	international	international	ADJ
ajfa-1507	384	7	survey	survey	NOUN
ajfa-1507	384	8	and	and	CCONJ
ajfa-1507	384	9	directions	direction	NOUN
ajfa-1507	384	10	for	for	ADP
ajfa-1507	384	11	further	further	ADJ
ajfa-1507	384	12	research	research	NOUN
ajfa-1507	384	13	.	.	PUNCT
ajfa-1507	385	1	european	european	ADJ
ajfa-1507	385	2	journal	journal	PROPN
ajfa-1507	385	3	of	of	ADP
ajfa-1507	385	4	operational	operational	ADJ
ajfa-1507	385	5	research	research	NOUN
ajfa-1507	385	6	,	,	PUNCT
ajfa-1507	385	7	98	98	NUM
ajfa-1507	385	8	,	,	PUNCT
ajfa-1507	385	9	175	175	NUM
ajfa-1507	385	10	-	-	SYM
ajfa-1507	385	11	212	212	NUM
ajfa-1507	385	12	.	.	PUNCT
ajfa-1507	386	1	http://dx.doi.org/10.1016/s0377-2217(96)00342-6	http://dx.doi.org/10.1016/s0377-2217(96)00342-6	ADJ
ajfa-1507	386	2	berger	berger	PROPN
ajfa-1507	386	3	,	,	PUNCT
ajfa-1507	386	4	a.n	a.n	PROPN
ajfa-1507	386	5	.	.	PROPN
ajfa-1507	386	6	,	,	PUNCT
ajfa-1507	386	7	hunter	hunter	NOUN
ajfa-1507	386	8	,	,	PUNCT
ajfa-1507	386	9	w.c	w.c	PROPN
ajfa-1507	386	10	.	.	PROPN
ajfa-1507	386	11	,	,	PUNCT
ajfa-1507	386	12	&	&	CCONJ
ajfa-1507	386	13	s.g	s.g	PROPN
ajfa-1507	386	14	timme	timme	PROPN
ajfa-1507	386	15	.	.	PUNCT
ajfa-1507	387	1	(	(	PUNCT
ajfa-1507	387	2	1993	1993	NUM
ajfa-1507	387	3	)	)	PUNCT
ajfa-1507	387	4	.	.	PUNCT
ajfa-1507	388	1	the	the	DET
ajfa-1507	388	2	efficiency	efficiency	NOUN
ajfa-1507	388	3	of	of	ADP
ajfa-1507	388	4	financial	financial	ADJ
ajfa-1507	388	5	institutions	institution	NOUN
ajfa-1507	388	6	:	:	PUNCT
ajfa-1507	388	7	a	a	DET
ajfa-1507	388	8	review	review	NOUN
ajfa-1507	388	9	and	and	CCONJ
ajfa-1507	388	10	preview	preview	NOUN
ajfa-1507	388	11	of	of	ADP
ajfa-1507	388	12	past	past	NOUN
ajfa-1507	388	13	,	,	PUNCT
ajfa-1507	388	14	present	present	ADJ
ajfa-1507	388	15	and	and	CCONJ
ajfa-1507	388	16	future	future	ADJ
ajfa-1507	388	17	.	.	PUNCT
ajfa-1507	389	1	journal	journal	NOUN
ajfa-1507	389	2	of	of	ADP
ajfa-1507	389	3	banking	banking	NOUN
ajfa-1507	389	4	and	and	CCONJ
ajfa-1507	389	5	finance	finance	NOUN
ajfa-1507	389	6	,	,	PUNCT
ajfa-1507	389	7	17	17	NUM
ajfa-1507	389	8	,	,	PUNCT
ajfa-1507	389	9	221	221	NUM
ajfa-1507	389	10	-	-	SYM
ajfa-1507	389	11	249	249	NUM
ajfa-1507	389	12	.	.	PUNCT
ajfa-1507	390	1	http://dx.doi.org/10.1016/0378-4266(93)90030-h	http://dx.doi.org/10.1016/0378-4266(93)90030-h	ADJ
ajfa-1507	390	2	berger	berger	PROPN
ajfa-1507	390	3	,	,	PUNCT
ajfa-1507	390	4	a.n	a.n	PROPN
ajfa-1507	390	5	.	.	PROPN
ajfa-1507	390	6	,	,	PUNCT
ajfa-1507	390	7	klapper	klapper	PROPN
ajfa-1507	390	8	,	,	PUNCT
ajfa-1507	390	9	l.f	l.f	PROPN
ajfa-1507	390	10	.	.	PROPN
ajfa-1507	390	11	,	,	PUNCT
ajfa-1507	390	12	&	&	CCONJ
ajfa-1507	390	13	r.	r.	PROPN
ajfa-1507	390	14	turk	turk	PROPN
ajfa-1507	390	15	-	-	PUNCT
ajfa-1507	390	16	ariss	ariss	PROPN
ajfa-1507	390	17	.	.	PUNCT
ajfa-1507	391	1	(	(	PUNCT
ajfa-1507	391	2	2008	2008	NUM
ajfa-1507	391	3	)	)	PUNCT
ajfa-1507	391	4	.	.	PUNCT
ajfa-1507	392	1	banking	banking	NOUN
ajfa-1507	392	2	structures	structure	NOUN
ajfa-1507	392	3	and	and	CCONJ
ajfa-1507	392	4	financial	financial	ADJ
ajfa-1507	392	5	stability	stability	NOUN
ajfa-1507	392	6	.	.	PUNCT
ajfa-1507	393	1	mimeo	mimeo	NOUN
ajfa-1507	393	2	.	.	PUNCT
ajfa-1507	394	1	http://dx.doi.org/10.1596/1813-9450-4696	http://dx.doi.org/10.1596/1813-9450-4696	PROPN
ajfa-1507	394	2	berger	berger	PROPN
ajfa-1507	394	3	,	,	PUNCT
ajfa-1507	394	4	a.n	a.n	PROPN
ajfa-1507	394	5	.	.	PROPN
ajfa-1507	394	6	,	,	PUNCT
ajfa-1507	394	7	&	&	CCONJ
ajfa-1507	394	8	l.j	l.j	PROPN
ajfa-1507	394	9	.	.	PROPN
ajfa-1507	394	10	mester	mester	PROPN
ajfa-1507	394	11	.	.	PUNCT
ajfa-1507	395	1	(	(	PUNCT
ajfa-1507	395	2	1997	1997	NUM
ajfa-1507	395	3	)	)	PUNCT
ajfa-1507	395	4	.	.	PUNCT
ajfa-1507	396	1	inside	inside	ADP
ajfa-1507	396	2	the	the	DET
ajfa-1507	396	3	black	black	ADJ
ajfa-1507	396	4	box	box	NOUN
ajfa-1507	396	5	:	:	PUNCT
ajfa-1507	396	6	what	what	PRON
ajfa-1507	396	7	explains	explain	VERB
ajfa-1507	396	8	differences	difference	NOUN
ajfa-1507	396	9	in	in	ADP
ajfa-1507	396	10	the	the	DET
ajfa-1507	396	11	efficiencies	efficiency	NOUN
ajfa-1507	396	12	of	of	ADP
ajfa-1507	396	13	financial	financial	ADJ
ajfa-1507	396	14	institutions	institution	NOUN
ajfa-1507	396	15	?	?	PUNCT
ajfa-1507	397	1	journal	journal	NOUN
ajfa-1507	397	2	of	of	ADP
ajfa-1507	397	3	banking	banking	NOUN
ajfa-1507	397	4	and	and	CCONJ
ajfa-1507	397	5	finance	finance	NOUN
ajfa-1507	397	6	,	,	PUNCT
ajfa-1507	397	7	21	21	NUM
ajfa-1507	397	8	,	,	PUNCT
ajfa-1507	397	9	895	895	NUM
ajfa-1507	397	10	-	-	SYM
ajfa-1507	397	11	947	947	NUM
ajfa-1507	397	12	.	.	PUNCT
ajfa-1507	398	1	http://dx.doi.org/10.1016/s0378-4266(97)00010-1	http://dx.doi.org/10.1016/s0378-4266(97)00010-1	PROPN
ajfa-1507	398	2	blum	blum	PROPN
ajfa-1507	398	3	,	,	PUNCT
ajfa-1507	398	4	j.	j.	PROPN
ajfa-1507	398	5	(	(	PUNCT
ajfa-1507	398	6	1999	1999	NUM
ajfa-1507	398	7	)	)	PUNCT
ajfa-1507	398	8	.	.	PUNCT
ajfa-1507	399	1	do	do	AUX
ajfa-1507	399	2	bank	bank	NOUN
ajfa-1507	399	3	capital	capital	NOUN
ajfa-1507	399	4	adequacy	adequacy	NOUN
ajfa-1507	399	5	requirements	requirement	NOUN
ajfa-1507	399	6	reduce	reduce	VERB
ajfa-1507	399	7	risks	risk	NOUN
ajfa-1507	399	8	.	.	PUNCT
ajfa-1507	400	1	journal	journal	NOUN
ajfa-1507	400	2	of	of	ADP
ajfa-1507	400	3	banking	banking	NOUN
ajfa-1507	400	4	and	and	CCONJ
ajfa-1507	400	5	finance	finance	NOUN
ajfa-1507	400	6	,	,	PUNCT
ajfa-1507	400	7	23	23	NUM
ajfa-1507	400	8	,	,	PUNCT
ajfa-1507	400	9	755	755	NUM
ajfa-1507	400	10	-	-	SYM
ajfa-1507	400	11	771	771	NUM
ajfa-1507	400	12	.	.	PUNCT
ajfa-1507	401	1	http://dx.doi.org/10.1016/s0378-4266(98)00113-7	http://dx.doi.org/10.1016/s0378-4266(98)00113-7	ADV
ajfa-1507	401	2	brunnermeier	brunnermeier	NOUN
ajfa-1507	401	3	,	,	PUNCT
ajfa-1507	401	4	m.	m.	NOUN
ajfa-1507	401	5	,	,	PUNCT
ajfa-1507	401	6	&	&	CCONJ
ajfa-1507	401	7	l.	l.	PROPN
ajfa-1507	401	8	pedersen	pedersen	PROPN
ajfa-1507	401	9	.	.	PUNCT
ajfa-1507	402	1	(	(	PUNCT
ajfa-1507	402	2	2009	2009	NUM
ajfa-1507	402	3	)	)	PUNCT
ajfa-1507	402	4	.	.	PUNCT
ajfa-1507	403	1	market	market	NOUN
ajfa-1507	403	2	liquidity	liquidity	NOUN
ajfa-1507	403	3	and	and	CCONJ
ajfa-1507	403	4	funding	funding	NOUN
ajfa-1507	403	5	liquidity	liquidity	NOUN
ajfa-1507	403	6	.	.	PUNCT
ajfa-1507	404	1	review	review	NOUN
ajfa-1507	404	2	of	of	ADP
ajfa-1507	404	3	financial	financial	ADJ
ajfa-1507	404	4	studies	study	NOUN
ajfa-1507	404	5	22	22	NUM
ajfa-1507	404	6	,	,	PUNCT
ajfa-1507	404	7	2201	2201	NUM
ajfa-1507	404	8	-	-	SYM
ajfa-1507	404	9	2238	2238	NUM
ajfa-1507	404	10	.	.	PUNCT
ajfa-1507	405	1	http://dx.doi.org/10.1093/rfs/hhn098	http://dx.doi.org/10.1093/rfs/hhn098	PROPN
ajfa-1507	405	2	calem	calem	NOUN
ajfa-1507	405	3	,	,	PUNCT
ajfa-1507	405	4	p.	p.	PROPN
ajfa-1507	405	5	,	,	PUNCT
ajfa-1507	405	6	&	&	CCONJ
ajfa-1507	405	7	r.	r.	PROPN
ajfa-1507	405	8	rob	rob	PROPN
ajfa-1507	405	9	.	.	PUNCT
ajfa-1507	406	1	(	(	PUNCT
ajfa-1507	406	2	1999	1999	NUM
ajfa-1507	406	3	)	)	PUNCT
ajfa-1507	406	4	.	.	PUNCT
ajfa-1507	407	1	the	the	DET
ajfa-1507	407	2	impact	impact	NOUN
ajfa-1507	407	3	of	of	ADP
ajfa-1507	407	4	capital	capital	NOUN
ajfa-1507	407	5	-	-	PUNCT
ajfa-1507	407	6	based	base	VERB
ajfa-1507	407	7	regulation	regulation	NOUN
ajfa-1507	407	8	on	on	ADP
ajfa-1507	407	9	bank	bank	NOUN
ajfa-1507	407	10	risk	risk	NOUN
ajfa-1507	407	11	-	-	PUNCT
ajfa-1507	407	12	taking	taking	NOUN
ajfa-1507	407	13	.	.	PUNCT
ajfa-1507	408	1	journal	journal	PROPN
ajfa-1507	408	2	of	of	ADP
ajfa-1507	408	3	financial	financial	ADJ
ajfa-1507	408	4	intermediation	intermediation	NOUN
ajfa-1507	408	5	,	,	PUNCT
ajfa-1507	408	6	8	8	NUM
ajfa-1507	408	7	,	,	PUNCT
ajfa-1507	408	8	317	317	NUM
ajfa-1507	408	9	-	-	SYM
ajfa-1507	408	10	352	352	NUM
ajfa-1507	408	11	.	.	PUNCT
ajfa-1507	409	1	http://dx.doi.org/10.1006/jfin.1999.0276	http://dx.doi.org/10.1006/jfin.1999.0276	PROPN
ajfa-1507	409	2	casu	casu	PROPN
ajfa-1507	409	3	,	,	PUNCT
ajfa-1507	409	4	b.	b.	PROPN
ajfa-1507	409	5	,	,	PUNCT
ajfa-1507	409	6	&	&	CCONJ
ajfa-1507	409	7	c.	c.	PROPN
ajfa-1507	409	8	girardone	girardone	PROPN
ajfa-1507	409	9	.	.	PUNCT
ajfa-1507	410	1	(	(	PUNCT
ajfa-1507	410	2	2006	2006	NUM
ajfa-1507	410	3	)	)	PUNCT
ajfa-1507	410	4	.	.	PUNCT
ajfa-1507	411	1	bank	bank	NOUN
ajfa-1507	411	2	competition	competition	NOUN
ajfa-1507	411	3	,	,	PUNCT
ajfa-1507	411	4	concentration	concentration	NOUN
ajfa-1507	411	5	and	and	CCONJ
ajfa-1507	411	6	efficiency	efficiency	NOUN
ajfa-1507	411	7	in	in	ADP
ajfa-1507	411	8	the	the	DET
ajfa-1507	411	9	single	single	ADJ
ajfa-1507	411	10	european	european	ADJ
ajfa-1507	411	11	market	market	NOUN
ajfa-1507	411	12	.	.	PUNCT
ajfa-1507	412	1	the	the	DET
ajfa-1507	412	2	manchester	manchester	PROPN
ajfa-1507	412	3	school	school	PROPN
ajfa-1507	412	4	,	,	PUNCT
ajfa-1507	412	5	74	74	NUM
ajfa-1507	412	6	,	,	PUNCT
ajfa-1507	412	7	441	441	NUM
ajfa-1507	412	8	-	-	SYM
ajfa-1507	412	9	468	468	NUM
ajfa-1507	412	10	.	.	PUNCT
ajfa-1507	413	1	http://dx.doi.org/10.1111/j.1467-9957.2006.00503.x	http://dx.doi.org/10.1111/j.1467-9957.2006.00503.x	NOUN
ajfa-1507	413	2	casu	casu	PROPN
ajfa-1507	413	3	,	,	PUNCT
ajfa-1507	413	4	b.	b.	PROPN
ajfa-1507	413	5	,	,	PUNCT
ajfa-1507	413	6	&	&	CCONJ
ajfa-1507	413	7	p.	p.	PROPN
ajfa-1507	413	8	molyneux	molyneux	PROPN
ajfa-1507	413	9	.	.	PUNCT
ajfa-1507	414	1	(	(	PUNCT
ajfa-1507	414	2	2003	2003	NUM
ajfa-1507	414	3	)	)	PUNCT
ajfa-1507	414	4	.	.	PUNCT
ajfa-1507	415	1	a	a	DET
ajfa-1507	415	2	comparative	comparative	ADJ
ajfa-1507	415	3	study	study	NOUN
ajfa-1507	415	4	of	of	ADP
ajfa-1507	415	5	efficiency	efficiency	NOUN
ajfa-1507	415	6	in	in	ADP
ajfa-1507	415	7	european	european	ADJ
ajfa-1507	415	8	banking	banking	NOUN
ajfa-1507	415	9	.	.	PUNCT
ajfa-1507	416	1	applied	apply	VERB
ajfa-1507	416	2	economics	economic	NOUN
ajfa-1507	416	3	,	,	PUNCT
ajfa-1507	416	4	35	35	NUM
ajfa-1507	416	5	,	,	PUNCT
ajfa-1507	416	6	1865	1865	NUM
ajfa-1507	416	7	-	-	SYM
ajfa-1507	416	8	1876	1876	NUM
ajfa-1507	416	9	.	.	PUNCT
ajfa-1507	417	1	http://dx.doi.org/10.1080/0003684032000158109	http://dx.doi.org/10.1080/0003684032000158109	PROPN
ajfa-1507	417	2	cazals	cazal	NOUN
ajfa-1507	417	3	,	,	PUNCT
ajfa-1507	417	4	c.	c.	NOUN
ajfa-1507	417	5	,	,	PUNCT
ajfa-1507	417	6	florence	florence	NOUN
ajfa-1507	417	7	,	,	PUNCT
ajfa-1507	417	8	j.p	j.p	PROPN
ajfa-1507	417	9	.	.	PROPN
ajfa-1507	417	10	,	,	PUNCT
ajfa-1507	417	11	&	&	CCONJ
ajfa-1507	417	12	l.	l.	PROPN
ajfa-1507	417	13	simar	simar	PROPN
ajfa-1507	417	14	.	.	PUNCT
ajfa-1507	418	1	(	(	PUNCT
ajfa-1507	418	2	2002	2002	NUM
ajfa-1507	418	3	)	)	PUNCT
ajfa-1507	418	4	.	.	PUNCT
ajfa-1507	419	1	non	non	PROPN
ajfa-1507	419	2	parametric	parametric	ADJ
ajfa-1507	419	3	frontier	frontier	NOUN
ajfa-1507	419	4	estimation	estimation	NOUN
ajfa-1507	419	5	:	:	PUNCT
ajfa-1507	419	6	a	a	DET
ajfa-1507	419	7	robust	robust	ADJ
ajfa-1507	419	8	approach	approach	NOUN
ajfa-1507	419	9	.	.	PUNCT
ajfa-1507	420	1	journal	journal	NOUN
ajfa-1507	420	2	of	of	ADP
ajfa-1507	420	3	econometrics	econometric	NOUN
ajfa-1507	420	4	,	,	PUNCT
ajfa-1507	420	5	106	106	NUM
ajfa-1507	420	6	,	,	PUNCT
ajfa-1507	420	7	1	1	NUM
ajfa-1507	420	8	-	-	SYM
ajfa-1507	420	9	25	25	NUM
ajfa-1507	420	10	.	.	PUNCT
ajfa-1507	421	1	http://dx.doi.org/10.1016/s0304-4076(01)00080-x	http://dx.doi.org/10.1016/s0304-4076(01)00080-x	PROPN
ajfa-1507	421	2	delis	deli	NOUN
ajfa-1507	421	3	,	,	PUNCT
ajfa-1507	421	4	m.d	m.d	PROPN
ajfa-1507	421	5	.	.	PROPN
ajfa-1507	421	6	&	&	CCONJ
ajfa-1507	421	7	molyneux	molyneux	PROPN
ajfa-1507	421	8	,	,	PUNCT
ajfa-1507	421	9	p.	p.	PROPN
ajfa-1507	421	10	,	,	PUNCT
ajfa-1507	421	11	&	&	CCONJ
ajfa-1507	421	12	pasiouras	pasiouras	PROPN
ajfa-1507	421	13	,	,	PUNCT
ajfa-1507	421	14	f.	f.	PROPN
ajfa-1507	421	15	(	(	PUNCT
ajfa-1507	421	16	2009	2009	NUM
ajfa-1507	421	17	)	)	PUNCT
ajfa-1507	421	18	.	.	PUNCT
ajfa-1507	422	1	regulations	regulation	NOUN
ajfa-1507	422	2	and	and	CCONJ
ajfa-1507	422	3	productivity	productivity	NOUN
ajfa-1507	422	4	growth	growth	NOUN
ajfa-1507	422	5	in	in	ADP
ajfa-1507	422	6	banking	banking	NOUN
ajfa-1507	422	7	,	,	PUNCT
ajfa-1507	422	8	mpra	mpra	PROPN
ajfa-1507	422	9	paper	paper	PROPN
ajfa-1507	422	10	13891	13891	NUM
ajfa-1507	422	11	,	,	PUNCT
ajfa-1507	422	12	university	university	NOUN
ajfa-1507	422	13	library	library	NOUN
ajfa-1507	422	14	of	of	ADP
ajfa-1507	422	15	munich	munich	PROPN
ajfa-1507	422	16	,	,	PUNCT
ajfa-1507	422	17	germany	germany	PROPN
ajfa-1507	422	18	.	.	PUNCT
ajfa-1507	423	1	demirguc	demirguc	PROPN
ajfa-1507	423	2	-	-	PUNCT
ajfa-1507	423	3	kunt	kunt	PROPN
ajfa-1507	423	4	,	,	PUNCT
ajfa-1507	423	5	a.	a.	PROPN
ajfa-1507	423	6	,	,	PUNCT
ajfa-1507	423	7	detragiache	detragiache	PROPN
ajfa-1507	423	8	,	,	PUNCT
ajfa-1507	423	9	e.	e.	PROPN
ajfa-1507	423	10	,	,	PUNCT
ajfa-1507	423	11	&	&	CCONJ
ajfa-1507	423	12	t.	t.	PROPN
ajfa-1507	423	13	tressel	tressel	PROPN
ajfa-1507	423	14	.	.	PUNCT
ajfa-1507	424	1	(	(	PUNCT
ajfa-1507	424	2	2008	2008	NUM
ajfa-1507	424	3	)	)	PUNCT
ajfa-1507	424	4	.	.	PUNCT
ajfa-1507	425	1	banking	banking	NOUN
ajfa-1507	425	2	on	on	ADP
ajfa-1507	425	3	the	the	DET
ajfa-1507	425	4	principles	principle	NOUN
ajfa-1507	425	5	:	:	PUNCT
ajfa-1507	425	6	compliance	compliance	NOUN
ajfa-1507	425	7	with	with	ADP
ajfa-1507	425	8	basel	basel	PROPN
ajfa-1507	425	9	core	core	NOUN
ajfa-1507	425	10	principles	principle	NOUN
ajfa-1507	425	11	and	and	CCONJ
ajfa-1507	425	12	bank	bank	NOUN
ajfa-1507	425	13	soundness	soundness	NOUN
ajfa-1507	425	14	.	.	PUNCT
ajfa-1507	426	1	journal	journal	PROPN
ajfa-1507	426	2	of	of	ADP
ajfa-1507	426	3	financial	financial	ADJ
ajfa-1507	426	4	intermediation	intermediation	NOUN
ajfa-1507	426	5	,	,	PUNCT
ajfa-1507	426	6	17	17	NUM
ajfa-1507	426	7	,	,	PUNCT
ajfa-1507	426	8	511	511	NUM
ajfa-1507	426	9	-	-	SYM
ajfa-1507	426	10	542	542	NUM
ajfa-1507	426	11	.	.	PUNCT
ajfa-1507	427	1	http://dx.doi.org/10.1016/j.jfi.2007.10.003	http://dx.doi.org/10.1016/j.jfi.2007.10.003	PROPN
ajfa-1507	427	2	demirguc	demirguc	PROPN
ajfa-1507	427	3	-	-	PUNCT
ajfa-1507	427	4	kunt	kunt	PROPN
ajfa-1507	427	5	,	,	PUNCT
ajfa-1507	427	6	a.	a.	NOUN
ajfa-1507	427	7	,	,	PUNCT
ajfa-1507	427	8	laeven	laeven	ADJ
ajfa-1507	427	9	,	,	PUNCT
ajfa-1507	427	10	l.	l.	PROPN
ajfa-1507	427	11	,	,	PUNCT
ajfa-1507	427	12	&	&	CCONJ
ajfa-1507	427	13	r.	r.	PROPN
ajfa-1507	427	14	levine	levine	PROPN
ajfa-1507	427	15	.	.	PUNCT
ajfa-1507	428	1	(	(	PUNCT
ajfa-1507	428	2	2004	2004	NUM
ajfa-1507	428	3	)	)	PUNCT
ajfa-1507	428	4	.	.	PUNCT
ajfa-1507	429	1	regulations	regulation	NOUN
ajfa-1507	429	2	,	,	PUNCT
ajfa-1507	429	3	market	market	NOUN
ajfa-1507	429	4	structure	structure	NOUN
ajfa-1507	429	5	,	,	PUNCT
ajfa-1507	429	6	institutions	institution	NOUN
ajfa-1507	429	7	,	,	PUNCT
ajfa-1507	429	8	and	and	CCONJ
ajfa-1507	429	9	the	the	DET
ajfa-1507	429	10	cost	cost	NOUN
ajfa-1507	429	11	of	of	ADP
ajfa-1507	429	12	financial	financial	ADJ
ajfa-1507	429	13	intermediation	intermediation	NOUN
ajfa-1507	429	14	.	.	PUNCT
ajfa-1507	430	1	journal	journal	NOUN
ajfa-1507	430	2	of	of	ADP
ajfa-1507	430	3	money	money	NOUN
ajfa-1507	430	4	,	,	PUNCT
ajfa-1507	430	5	credit	credit	NOUN
ajfa-1507	430	6	and	and	CCONJ
ajfa-1507	430	7	banking	banking	NOUN
ajfa-1507	430	8	,	,	PUNCT
ajfa-1507	430	9	36	36	NUM
ajfa-1507	430	10	,	,	PUNCT
ajfa-1507	430	11	593	593	NUM
ajfa-1507	430	12	-	-	SYM
ajfa-1507	430	13	622	622	NUM
ajfa-1507	430	14	.	.	PUNCT
ajfa-1507	431	1	http://dx.doi.org/10.1353/mcb.2004.0045	http://dx.doi.org/10.1353/mcb.2004.0045	ADJ
ajfa-1507	431	2	asian	asian	ADJ
ajfa-1507	431	3	journal	journal	NOUN
ajfa-1507	431	4	of	of	ADP
ajfa-1507	431	5	finance	finance	PROPN
ajfa-1507	431	6	&	&	CCONJ
ajfa-1507	431	7	accounting	accounting	PROPN
ajfa-1507	431	8	issn	issn	PROPN
ajfa-1507	431	9	1946	1946	NUM
ajfa-1507	431	10	-	-	PUNCT
ajfa-1507	431	11	052x	052x	NOUN
ajfa-1507	431	12	2012	2012	NUM
ajfa-1507	431	13	,	,	PUNCT
ajfa-1507	431	14	vol	vol	NOUN
ajfa-1507	431	15	.	.	PROPN
ajfa-1507	431	16	4	4	NUM
ajfa-1507	431	17	,	,	PUNCT
ajfa-1507	431	18	no	no	INTJ
ajfa-1507	431	19	.	.	NOUN
ajfa-1507	431	20	1	1	NUM
ajfa-1507	431	21	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	431	22	239	239	NUM
ajfa-1507	431	23	demirguc	demirguc	PROPN
ajfa-1507	431	24	-	-	PUNCT
ajfa-1507	431	25	kunt	kunt	PROPN
ajfa-1507	431	26	,	,	PUNCT
ajfa-1507	431	27	a.	a.	NOUN
ajfa-1507	431	28	,	,	PUNCT
ajfa-1507	431	29	&	&	CCONJ
ajfa-1507	431	30	v.	v.	ADP
ajfa-1507	431	31	maksimovic	maksimovic	PROPN
ajfa-1507	431	32	.	.	PUNCT
ajfa-1507	432	1	(	(	PUNCT
ajfa-1507	432	2	1998	1998	NUM
ajfa-1507	432	3	)	)	PUNCT
ajfa-1507	432	4	.	.	PUNCT
ajfa-1507	433	1	law	law	NOUN
ajfa-1507	433	2	,	,	PUNCT
ajfa-1507	433	3	finance	finance	NOUN
ajfa-1507	433	4	and	and	CCONJ
ajfa-1507	433	5	firm	firm	ADJ
ajfa-1507	433	6	growth	growth	NOUN
ajfa-1507	433	7	.	.	PUNCT
ajfa-1507	434	1	journal	journal	NOUN
ajfa-1507	434	2	of	of	ADP
ajfa-1507	434	3	finance	finance	NOUN
ajfa-1507	434	4	,	,	PUNCT
ajfa-1507	434	5	53	53	NUM
ajfa-1507	434	6	,	,	PUNCT
ajfa-1507	434	7	2107	2107	NUM
ajfa-1507	434	8	-	-	SYM
ajfa-1507	434	9	2137	2137	NUM
ajfa-1507	434	10	.	.	PUNCT
ajfa-1507	435	1	http://dx.doi.org/10.1111/0022-1082.00084	http://dx.doi.org/10.1111/0022-1082.00084	NOUN
ajfa-1507	435	2	dietsch	dietsch	NOUN
ajfa-1507	435	3	,	,	PUNCT
ajfa-1507	435	4	m.	m.	NOUN
ajfa-1507	435	5	and	and	CCONJ
ajfa-1507	435	6	a.	a.	NOUN
ajfa-1507	435	7	lozano	lozano	PROPN
ajfa-1507	435	8	-	-	PUNCT
ajfa-1507	435	9	vivas	vivas	PROPN
ajfa-1507	435	10	,	,	PUNCT
ajfa-1507	435	11	(	(	PUNCT
ajfa-1507	435	12	2000	2000	NUM
ajfa-1507	435	13	)	)	PUNCT
ajfa-1507	435	14	.	.	PUNCT
ajfa-1507	436	1	how	how	SCONJ
ajfa-1507	436	2	the	the	DET
ajfa-1507	436	3	environment	environment	NOUN
ajfa-1507	436	4	determines	determine	VERB
ajfa-1507	436	5	banking	banking	NOUN
ajfa-1507	436	6	efficiency	efficiency	NOUN
ajfa-1507	436	7	:	:	PUNCT
ajfa-1507	436	8	a	a	DET
ajfa-1507	436	9	comparison	comparison	NOUN
ajfa-1507	436	10	between	between	ADP
ajfa-1507	436	11	french	french	ADJ
ajfa-1507	436	12	and	and	CCONJ
ajfa-1507	436	13	spanish	spanish	ADJ
ajfa-1507	436	14	industries	industry	NOUN
ajfa-1507	436	15	.	.	PUNCT
ajfa-1507	437	1	journal	journal	NOUN
ajfa-1507	437	2	of	of	ADP
ajfa-1507	437	3	banking	banking	NOUN
ajfa-1507	437	4	and	and	CCONJ
ajfa-1507	437	5	finance	finance	NOUN
ajfa-1507	437	6	,	,	PUNCT
ajfa-1507	437	7	24	24	NUM
ajfa-1507	437	8	,	,	PUNCT
ajfa-1507	437	9	985	985	NUM
ajfa-1507	437	10	-	-	SYM
ajfa-1507	437	11	1004	1004	NUM
ajfa-1507	437	12	.	.	PUNCT
ajfa-1507	438	1	http://dx.doi.org/10.1016/s0378-4266(99)00115-6	http://dx.doi.org/10.1016/s0378-4266(99)00115-6	ADV
ajfa-1507	438	2	fernandez	fernandez	PROPN
ajfa-1507	438	3	,	,	PUNCT
ajfa-1507	438	4	a.i	a.i	PROPN
ajfa-1507	438	5	.	.	PROPN
ajfa-1507	438	6	,	,	PUNCT
ajfa-1507	438	7	&	&	CCONJ
ajfa-1507	438	8	f.	f.	PROPN
ajfa-1507	438	9	gonzalez	gonzalez	PROPN
ajfa-1507	438	10	.	.	PUNCT
ajfa-1507	439	1	(	(	PUNCT
ajfa-1507	439	2	2005	2005	NUM
ajfa-1507	439	3	)	)	PUNCT
ajfa-1507	439	4	.	.	PUNCT
ajfa-1507	440	1	how	how	SCONJ
ajfa-1507	440	2	accounting	accounting	NOUN
ajfa-1507	440	3	and	and	CCONJ
ajfa-1507	440	4	auditing	auditing	NOUN
ajfa-1507	440	5	systems	system	NOUN
ajfa-1507	440	6	can	can	AUX
ajfa-1507	440	7	counteract	counteract	VERB
ajfa-1507	440	8	risk	risk	NOUN
ajfa-1507	440	9	-	-	PUNCT
ajfa-1507	440	10	shifting	shifting	NOUN
ajfa-1507	440	11	of	of	ADP
ajfa-1507	440	12	safety	safety	NOUN
ajfa-1507	440	13	-	-	PUNCT
ajfa-1507	440	14	nets	net	NOUN
ajfa-1507	440	15	in	in	ADP
ajfa-1507	440	16	banking	banking	NOUN
ajfa-1507	440	17	:	:	PUNCT
ajfa-1507	440	18	some	some	DET
ajfa-1507	440	19	international	international	ADJ
ajfa-1507	440	20	evidence	evidence	NOUN
ajfa-1507	440	21	.	.	PUNCT
ajfa-1507	441	1	journal	journal	NOUN
ajfa-1507	441	2	of	of	ADP
ajfa-1507	441	3	financial	financial	ADJ
ajfa-1507	441	4	stability	stability	NOUN
ajfa-1507	441	5	,	,	PUNCT
ajfa-1507	441	6	1	1	NUM
ajfa-1507	441	7	,	,	PUNCT
ajfa-1507	441	8	466	466	NUM
ajfa-1507	441	9	-	-	SYM
ajfa-1507	441	10	500	500	NUM
ajfa-1507	441	11	.	.	PUNCT
ajfa-1507	442	1	http://dx.doi.org/10.1016/j.jfs.2005.07.001	http://dx.doi.org/10.1016/j.jfs.2005.07.001	NOUN
ajfa-1507	442	2	flannery	flannery	PROPN
ajfa-1507	442	3	,	,	PUNCT
ajfa-1507	442	4	m.j	m.j	PROPN
ajfa-1507	442	5	.	.	PROPN
ajfa-1507	442	6	,	,	PUNCT
ajfa-1507	442	7	s.h	s.h	PROPN
ajfa-1507	442	8	.	.	PROPN
ajfa-1507	442	9	kwan	kwan	PROPN
ajfa-1507	442	10	,	,	PUNCT
ajfa-1507	442	11	&	&	CCONJ
ajfa-1507	442	12	m.	m.	PROPN
ajfa-1507	442	13	nimalendran	nimalendran	PROPN
ajfa-1507	442	14	.	.	PUNCT
ajfa-1507	442	15	(	(	PUNCT
ajfa-1507	442	16	2004	2004	NUM
ajfa-1507	442	17	)	)	PUNCT
ajfa-1507	442	18	.	.	PUNCT
ajfa-1507	443	1	market	market	NOUN
ajfa-1507	443	2	evidence	evidence	NOUN
ajfa-1507	443	3	on	on	ADP
ajfa-1507	443	4	the	the	DET
ajfa-1507	443	5	opaqueness	opaqueness	NOUN
ajfa-1507	443	6	of	of	ADP
ajfa-1507	443	7	banking	banking	NOUN
ajfa-1507	443	8	firms	firm	NOUN
ajfa-1507	443	9	’	’	PART
ajfa-1507	443	10	assets	asset	NOUN
ajfa-1507	443	11	.	.	PUNCT
ajfa-1507	444	1	journal	journal	NOUN
ajfa-1507	444	2	of	of	ADP
ajfa-1507	444	3	financial	financial	ADJ
ajfa-1507	444	4	economics	economic	NOUN
ajfa-1507	444	5	,	,	PUNCT
ajfa-1507	444	6	71	71	NUM
ajfa-1507	444	7	,	,	PUNCT
ajfa-1507	444	8	419	419	NUM
ajfa-1507	444	9	-	-	SYM
ajfa-1507	444	10	460	460	NUM
ajfa-1507	444	11	.	.	PUNCT
ajfa-1507	445	1	http://dx.doi.org/10.1016/s0304-405x(03)00185-5	http://dx.doi.org/10.1016/s0304-405x(03)00185-5	VERB
ajfa-1507	445	2	fries	fry	NOUN
ajfa-1507	445	3	,	,	PUNCT
ajfa-1507	445	4	s.	s.	PROPN
ajfa-1507	445	5	,	,	PUNCT
ajfa-1507	445	6	&	&	CCONJ
ajfa-1507	445	7	a.	a.	PROPN
ajfa-1507	445	8	taci	taci	PROPN
ajfa-1507	445	9	.	.	PUNCT
ajfa-1507	446	1	(	(	PUNCT
ajfa-1507	446	2	2005	2005	NUM
ajfa-1507	446	3	)	)	PUNCT
ajfa-1507	446	4	.	.	PUNCT
ajfa-1507	447	1	cost	cost	NOUN
ajfa-1507	447	2	efficiency	efficiency	NOUN
ajfa-1507	447	3	of	of	ADP
ajfa-1507	447	4	banks	bank	NOUN
ajfa-1507	447	5	in	in	ADP
ajfa-1507	447	6	transition	transition	NOUN
ajfa-1507	447	7	:	:	PUNCT
ajfa-1507	447	8	evidence	evidence	NOUN
ajfa-1507	447	9	from	from	ADP
ajfa-1507	447	10	289	289	NUM
ajfa-1507	447	11	banks	bank	NOUN
ajfa-1507	447	12	in	in	ADP
ajfa-1507	447	13	15	15	NUM
ajfa-1507	447	14	post	post	ADJ
ajfa-1507	447	15	-	-	ADJ
ajfa-1507	447	16	communist	communist	ADJ
ajfa-1507	447	17	countries	country	NOUN
ajfa-1507	447	18	.	.	PUNCT
ajfa-1507	448	1	journal	journal	NOUN
ajfa-1507	448	2	of	of	ADP
ajfa-1507	448	3	banking	banking	NOUN
ajfa-1507	448	4	and	and	CCONJ
ajfa-1507	448	5	finance	finance	NOUN
ajfa-1507	448	6	,	,	PUNCT
ajfa-1507	448	7	29	29	NUM
ajfa-1507	448	8	,	,	PUNCT
ajfa-1507	448	9	55	55	NUM
ajfa-1507	448	10	-	-	SYM
ajfa-1507	448	11	81	81	NUM
ajfa-1507	448	12	.	.	PUNCT
ajfa-1507	449	1	http://dx.doi.org/10.1016/j.jbankfin.2004.06.016	http://dx.doi.org/10.1016/j.jbankfin.2004.06.016	PROPN
ajfa-1507	449	2	goddard	goddard	PROPN
ajfa-1507	449	3	,	,	PUNCT
ajfa-1507	449	4	j.a	j.a	PROPN
ajfa-1507	449	5	.	.	PROPN
ajfa-1507	449	6	,	,	PUNCT
ajfa-1507	449	7	molyneux	molyneux	PROPN
ajfa-1507	449	8	,	,	PUNCT
ajfa-1507	449	9	p.	p.	PROPN
ajfa-1507	449	10	,	,	PUNCT
ajfa-1507	449	11	&	&	CCONJ
ajfa-1507	449	12	j.o.s	j.o.s	PROPN
ajfa-1507	449	13	.	.	PROPN
ajfa-1507	449	14	wilson	wilson	PROPN
ajfa-1507	449	15	.	.	PUNCT
ajfa-1507	450	1	(	(	PUNCT
ajfa-1507	450	2	2001	2001	NUM
ajfa-1507	450	3	)	)	PUNCT
ajfa-1507	450	4	.	.	PUNCT
ajfa-1507	451	1	european	european	ADJ
ajfa-1507	451	2	banking	banking	NOUN
ajfa-1507	451	3	:	:	PUNCT
ajfa-1507	451	4	efficiency	efficiency	NOUN
ajfa-1507	451	5	,	,	PUNCT
ajfa-1507	451	6	technology	technology	NOUN
ajfa-1507	451	7	,	,	PUNCT
ajfa-1507	451	8	and	and	CCONJ
ajfa-1507	451	9	growth	growth	NOUN
ajfa-1507	451	10	.	.	PUNCT
ajfa-1507	452	1	chichester	chichester	PROPN
ajfa-1507	452	2	,	,	PUNCT
ajfa-1507	452	3	john	john	PROPN
ajfa-1507	452	4	wiley	wiley	PROPN
ajfa-1507	452	5	.	.	PUNCT
ajfa-1507	453	1	gorton	gorton	PROPN
ajfa-1507	453	2	,	,	PUNCT
ajfa-1507	453	3	g.	g.	PROPN
ajfa-1507	453	4	and	and	CCONJ
ajfa-1507	453	5	a.	a.	PROPN
ajfa-1507	453	6	winton	winton	PROPN
ajfa-1507	453	7	,	,	PUNCT
ajfa-1507	453	8	(	(	PUNCT
ajfa-1507	453	9	1995	1995	NUM
ajfa-1507	453	10	)	)	PUNCT
ajfa-1507	453	11	.	.	PUNCT
ajfa-1507	454	1	bank	bank	NOUN
ajfa-1507	454	2	capital	capital	NOUN
ajfa-1507	454	3	regulation	regulation	NOUN
ajfa-1507	454	4	in	in	ADP
ajfa-1507	454	5	general	general	ADJ
ajfa-1507	454	6	equilibrium	equilibrium	NOUN
ajfa-1507	454	7	.	.	PUNCT
ajfa-1507	455	1	wharton	wharton	PROPN
ajfa-1507	455	2	financial	financial	ADJ
ajfa-1507	455	3	institutions	institution	NOUN
ajfa-1507	455	4	centre	centre	NOUN
ajfa-1507	455	5	,	,	PUNCT
ajfa-1507	455	6	working	working	NOUN
ajfa-1507	455	7	paper	paper	NOUN
ajfa-1507	455	8	.	.	PUNCT
ajfa-1507	456	1	grigorian	grigorian	PROPN
ajfa-1507	456	2	,	,	PUNCT
ajfa-1507	456	3	d.	d.	PROPN
ajfa-1507	456	4	,	,	PUNCT
ajfa-1507	456	5	&	&	CCONJ
ajfa-1507	456	6	v.	v.	PROPN
ajfa-1507	456	7	manole	manole	PROPN
ajfa-1507	456	8	.	.	PUNCT
ajfa-1507	457	1	(	(	PUNCT
ajfa-1507	457	2	2006	2006	NUM
ajfa-1507	457	3	)	)	PUNCT
ajfa-1507	457	4	.	.	PUNCT
ajfa-1507	458	1	determinants	determinant	NOUN
ajfa-1507	458	2	of	of	ADP
ajfa-1507	458	3	commercial	commercial	ADJ
ajfa-1507	458	4	bank	bank	NOUN
ajfa-1507	458	5	performance	performance	NOUN
ajfa-1507	458	6	in	in	ADP
ajfa-1507	458	7	transition	transition	NOUN
ajfa-1507	458	8	:	:	PUNCT
ajfa-1507	458	9	an	an	DET
ajfa-1507	458	10	application	application	NOUN
ajfa-1507	458	11	of	of	ADP
ajfa-1507	458	12	data	datum	NOUN
ajfa-1507	458	13	envelopment	envelopment	ADJ
ajfa-1507	458	14	analysis	analysis	NOUN
ajfa-1507	458	15	.	.	PUNCT
ajfa-1507	459	1	comparative	comparative	ADJ
ajfa-1507	459	2	economic	economic	ADJ
ajfa-1507	459	3	studies	study	NOUN
ajfa-1507	459	4	48	48	NUM
ajfa-1507	459	5	,	,	PUNCT
ajfa-1507	459	6	497	497	NUM
ajfa-1507	459	7	-	-	SYM
ajfa-1507	459	8	522	522	NUM
ajfa-1507	459	9	.	.	PUNCT
ajfa-1507	460	1	http://dx.doi.org/10.1057/palgrave.ces.8100129	http://dx.doi.org/10.1057/palgrave.ces.8100129	PROPN
ajfa-1507	460	2	herring	herring	PROPN
ajfa-1507	460	3	,	,	PUNCT
ajfa-1507	460	4	r.	r.	PROPN
ajfa-1507	460	5	(	(	PUNCT
ajfa-1507	460	6	2005	2005	NUM
ajfa-1507	460	7	)	)	PUNCT
ajfa-1507	460	8	.	.	PUNCT
ajfa-1507	461	1	implementing	implement	VERB
ajfa-1507	461	2	basel	basel	PROPN
ajfa-1507	461	3	ii	ii	PROPN
ajfa-1507	461	4	:	:	PUNCT
ajfa-1507	461	5	is	be	AUX
ajfa-1507	461	6	the	the	DET
ajfa-1507	461	7	game	game	NOUN
ajfa-1507	461	8	worth	worth	ADJ
ajfa-1507	461	9	the	the	DET
ajfa-1507	461	10	candle	candle	NOUN
ajfa-1507	461	11	?	?	PUNCT
ajfa-1507	462	1	financial	financial	ADJ
ajfa-1507	462	2	markets	market	NOUN
ajfa-1507	462	3	,	,	PUNCT
ajfa-1507	462	4	institutions	institution	NOUN
ajfa-1507	462	5	and	and	CCONJ
ajfa-1507	462	6	instruments	instrument	NOUN
ajfa-1507	462	7	,	,	PUNCT
ajfa-1507	462	8	14	14	NUM
ajfa-1507	462	9	,	,	PUNCT
ajfa-1507	462	10	267	267	NUM
ajfa-1507	462	11	-	-	SYM
ajfa-1507	462	12	287	287	NUM
ajfa-1507	462	13	.	.	PUNCT
ajfa-1507	463	1	http://dx.doi.org/10.1111/j.0963-8008.2005.00108.x	http://dx.doi.org/10.1111/j.0963-8008.2005.00108.x	PROPN
ajfa-1507	463	2	hovakimian	hovakimian	PROPN
ajfa-1507	463	3	,	,	PUNCT
ajfa-1507	463	4	a	a	PRON
ajfa-1507	463	5	,	,	PUNCT
ajfa-1507	463	6	&	&	CCONJ
ajfa-1507	463	7	e.j	e.j	PROPN
ajfa-1507	463	8	.	.	PROPN
ajfa-1507	463	9	kane	kane	PROPN
ajfa-1507	463	10	,	,	PUNCT
ajfa-1507	463	11	(	(	PUNCT
ajfa-1507	463	12	2000	2000	NUM
ajfa-1507	463	13	)	)	PUNCT
ajfa-1507	463	14	.	.	PUNCT
ajfa-1507	464	1	effectiveness	effectiveness	NOUN
ajfa-1507	464	2	of	of	ADP
ajfa-1507	464	3	capital	capital	NOUN
ajfa-1507	464	4	regulation	regulation	NOUN
ajfa-1507	464	5	at	at	ADP
ajfa-1507	464	6	u.s	u.s	PROPN
ajfa-1507	464	7	.	.	PROPN
ajfa-1507	464	8	commercial	commercial	ADJ
ajfa-1507	464	9	banks	bank	NOUN
ajfa-1507	464	10	,	,	PUNCT
ajfa-1507	464	11	1985	1985	NUM
ajfa-1507	464	12	to	to	ADP
ajfa-1507	464	13	1994	1994	NUM
ajfa-1507	464	14	.	.	PUNCT
ajfa-1507	465	1	journal	journal	PROPN
ajfa-1507	465	2	of	of	ADP
ajfa-1507	465	3	finance	finance	NOUN
ajfa-1507	465	4	,	,	PUNCT
ajfa-1507	465	5	55	55	NUM
ajfa-1507	465	6	,	,	PUNCT
ajfa-1507	465	7	451–468	451–468	NUM
ajfa-1507	465	8	.	.	PUNCT
ajfa-1507	466	1	http://dx.doi.org/10.1111/0022-1082.00212	http://dx.doi.org/10.1111/0022-1082.00212	NOUN
ajfa-1507	466	2	hughes	hughes	PROPN
ajfa-1507	466	3	,	,	PUNCT
ajfa-1507	466	4	j.p	j.p	PROPN
ajfa-1507	466	5	.	.	PROPN
ajfa-1507	466	6	,	,	PUNCT
ajfa-1507	466	7	mester	mester	PROPN
ajfa-1507	466	8	,	,	PUNCT
ajfa-1507	466	9	l.	l.	PROPN
ajfa-1507	466	10	,	,	PUNCT
ajfa-1507	466	11	&	&	CCONJ
ajfa-1507	466	12	c.	c.	PROPN
ajfa-1507	466	13	moon	moon	PROPN
ajfa-1507	466	14	.	.	PUNCT
ajfa-1507	467	1	(	(	PUNCT
ajfa-1507	467	2	2001	2001	NUM
ajfa-1507	467	3	)	)	PUNCT
ajfa-1507	467	4	.	.	PUNCT
ajfa-1507	468	1	are	be	AUX
ajfa-1507	468	2	scale	scale	NOUN
ajfa-1507	468	3	economies	economy	NOUN
ajfa-1507	468	4	in	in	ADP
ajfa-1507	468	5	banking	banking	NOUN
ajfa-1507	468	6	elusive	elusive	ADJ
ajfa-1507	468	7	or	or	CCONJ
ajfa-1507	468	8	illusive	illusive	ADJ
ajfa-1507	468	9	.	.	PUNCT
ajfa-1507	469	1	evidence	evidence	NOUN
ajfa-1507	469	2	obtained	obtain	VERB
ajfa-1507	469	3	by	by	ADP
ajfa-1507	469	4	incorporating	incorporate	VERB
ajfa-1507	469	5	capital	capital	NOUN
ajfa-1507	469	6	structure	structure	NOUN
ajfa-1507	469	7	and	and	CCONJ
ajfa-1507	469	8	risk	risk	NOUN
ajfa-1507	469	9	-	-	PUNCT
ajfa-1507	469	10	taking	taking	NOUN
ajfa-1507	469	11	into	into	ADP
ajfa-1507	469	12	models	model	NOUN
ajfa-1507	469	13	of	of	ADP
ajfa-1507	469	14	bank	bank	NOUN
ajfa-1507	469	15	production	production	NOUN
ajfa-1507	469	16	.	.	PUNCT
ajfa-1507	470	1	journal	journal	NOUN
ajfa-1507	470	2	of	of	ADP
ajfa-1507	470	3	banking	banking	NOUN
ajfa-1507	470	4	and	and	CCONJ
ajfa-1507	470	5	finance	finance	NOUN
ajfa-1507	470	6	,	,	PUNCT
ajfa-1507	470	7	25	25	NUM
ajfa-1507	470	8	,	,	PUNCT
ajfa-1507	470	9	2169	2169	NUM
ajfa-1507	470	10	-	-	SYM
ajfa-1507	470	11	2208	2208	NUM
ajfa-1507	470	12	.	.	PUNCT
ajfa-1507	471	1	http://dx.doi.org/10.1016/s0378-4266(01)00190-x	http://dx.doi.org/10.1016/s0378-4266(01)00190-x	PROPN
ajfa-1507	471	2	jeon	jeon	PROPN
ajfa-1507	471	3	,	,	PUNCT
ajfa-1507	471	4	y.	y.	PROPN
ajfa-1507	471	5	,	,	PUNCT
ajfa-1507	471	6	&	&	CCONJ
ajfa-1507	471	7	s.m	s.m	PROPN
ajfa-1507	471	8	.	.	PROPN
ajfa-1507	471	9	miller	miller	PROPN
ajfa-1507	471	10	.	.	PUNCT
ajfa-1507	472	1	(	(	PUNCT
ajfa-1507	472	2	2001	2001	NUM
ajfa-1507	472	3	)	)	PUNCT
ajfa-1507	472	4	.	.	PUNCT
ajfa-1507	473	1	deregulation	deregulation	NOUN
ajfa-1507	473	2	and	and	CCONJ
ajfa-1507	473	3	structural	structural	ADJ
ajfa-1507	473	4	change	change	NOUN
ajfa-1507	473	5	in	in	ADP
ajfa-1507	473	6	the	the	DET
ajfa-1507	473	7	us	us	PROPN
ajfa-1507	473	8	commercial	commercial	ADJ
ajfa-1507	473	9	banking	banking	NOUN
ajfa-1507	473	10	industry	industry	NOUN
ajfa-1507	473	11	.	.	PUNCT
ajfa-1507	474	1	university	university	NOUN
ajfa-1507	474	2	of	of	ADP
ajfa-1507	474	3	connecticut	connecticut	PROPN
ajfa-1507	474	4	,	,	PUNCT
ajfa-1507	474	5	department	department	NOUN
ajfa-1507	474	6	of	of	ADP
ajfa-1507	474	7	economics	economic	NOUN
ajfa-1507	474	8	,	,	PUNCT
ajfa-1507	474	9	working	working	NOUN
ajfa-1507	474	10	papers	paper	NOUN
ajfa-1507	474	11	,	,	PUNCT
ajfa-1507	474	12	no	no	INTJ
ajfa-1507	474	13	.	.	NOUN
ajfa-1507	474	14	7	7	X
ajfa-1507	474	15	.	.	X
ajfa-1507	474	16	kaufmann	kaufmann	PROPN
ajfa-1507	474	17	,	,	PUNCT
ajfa-1507	474	18	d.	d.	PROPN
ajfa-1507	474	19	,	,	PUNCT
ajfa-1507	474	20	kraay	kraay	PROPN
ajfa-1507	474	21	,	,	PUNCT
ajfa-1507	474	22	a.	a.	NOUN
ajfa-1507	474	23	,	,	PUNCT
ajfa-1507	474	24	&	&	CCONJ
ajfa-1507	474	25	m.	m.	PROPN
ajfa-1507	474	26	mastruzzi	mastruzzi	PROPN
ajfa-1507	474	27	.	.	PUNCT
ajfa-1507	475	1	(	(	PUNCT
ajfa-1507	475	2	2009	2009	NUM
ajfa-1507	475	3	)	)	PUNCT
ajfa-1507	475	4	.	.	PUNCT
ajfa-1507	476	1	governance	governance	NOUN
ajfa-1507	476	2	matters	matter	NOUN
ajfa-1507	476	3	viii	viii	ADJ
ajfa-1507	476	4	:	:	PUNCT
ajfa-1507	476	5	aggregate	aggregate	ADJ
ajfa-1507	476	6	and	and	CCONJ
ajfa-1507	476	7	individual	individual	ADJ
ajfa-1507	476	8	governance	governance	NOUN
ajfa-1507	476	9	indicators	indicator	NOUN
ajfa-1507	476	10	,	,	PUNCT
ajfa-1507	476	11	1996	1996	NUM
ajfa-1507	476	12	-	-	SYM
ajfa-1507	476	13	2008	2008	NUM
ajfa-1507	476	14	.	.	PUNCT
ajfa-1507	477	1	the	the	DET
ajfa-1507	477	2	world	world	PROPN
ajfa-1507	477	3	bank	bank	PROPN
ajfa-1507	477	4	,	,	PUNCT
ajfa-1507	477	5	policy	policy	NOUN
ajfa-1507	477	6	research	research	NOUN
ajfa-1507	477	7	working	working	NOUN
ajfa-1507	477	8	paper	paper	NOUN
ajfa-1507	477	9	,	,	PUNCT
ajfa-1507	477	10	no	no	INTJ
ajfa-1507	477	11	.	.	NOUN
ajfa-1507	477	12	4978	4978	NUM
ajfa-1507	477	13	.	.	PUNCT
ajfa-1507	478	1	asian	asian	ADJ
ajfa-1507	478	2	journal	journal	PROPN
ajfa-1507	478	3	of	of	ADP
ajfa-1507	478	4	finance	finance	PROPN
ajfa-1507	478	5	&	&	CCONJ
ajfa-1507	478	6	accounting	accounting	PROPN
ajfa-1507	478	7	issn	issn	PROPN
ajfa-1507	478	8	1946	1946	NUM
ajfa-1507	478	9	-	-	PUNCT
ajfa-1507	478	10	052x	052x	NOUN
ajfa-1507	478	11	2012	2012	NUM
ajfa-1507	478	12	,	,	PUNCT
ajfa-1507	478	13	vol	vol	NOUN
ajfa-1507	478	14	.	.	PROPN
ajfa-1507	478	15	4	4	NUM
ajfa-1507	478	16	,	,	PUNCT
ajfa-1507	478	17	no	no	INTJ
ajfa-1507	478	18	.	.	NOUN
ajfa-1507	478	19	1	1	NUM
ajfa-1507	478	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	478	21	240	240	NUM
ajfa-1507	478	22	kwan	kwan	NOUN
ajfa-1507	478	23	,	,	PUNCT
ajfa-1507	478	24	s.	s.	PROPN
ajfa-1507	478	25	,	,	PUNCT
ajfa-1507	478	26	&	&	CCONJ
ajfa-1507	478	27	r.	r.	PROPN
ajfa-1507	478	28	eisenbeis	eisenbeis	PROPN
ajfa-1507	478	29	.	.	PUNCT
ajfa-1507	479	1	(	(	PUNCT
ajfa-1507	479	2	1997	1997	NUM
ajfa-1507	479	3	)	)	PUNCT
ajfa-1507	479	4	.	.	PUNCT
ajfa-1507	480	1	bank	bank	NOUN
ajfa-1507	480	2	risk	risk	NOUN
ajfa-1507	480	3	,	,	PUNCT
ajfa-1507	480	4	capitalization	capitalization	NOUN
ajfa-1507	480	5	and	and	CCONJ
ajfa-1507	480	6	operating	operating	NOUN
ajfa-1507	480	7	efficiency	efficiency	NOUN
ajfa-1507	480	8	.	.	PUNCT
ajfa-1507	481	1	journal	journal	NOUN
ajfa-1507	481	2	of	of	ADP
ajfa-1507	481	3	financial	financial	ADJ
ajfa-1507	481	4	services	service	NOUN
ajfa-1507	481	5	research	research	NOUN
ajfa-1507	481	6	,	,	PUNCT
ajfa-1507	481	7	12	12	NUM
ajfa-1507	481	8	,	,	PUNCT
ajfa-1507	481	9	117	117	NUM
ajfa-1507	481	10	-	-	SYM
ajfa-1507	481	11	131	131	NUM
ajfa-1507	481	12	.	.	PUNCT
ajfa-1507	482	1	http://dx.doi.org/10.1023/a:1007970618648	http://dx.doi.org/10.1023/a:1007970618648	PROPN
ajfa-1507	482	2	laeven	laeven	VERB
ajfa-1507	482	3	,	,	PUNCT
ajfa-1507	482	4	l.	l.	PROPN
ajfa-1507	482	5	,	,	PUNCT
ajfa-1507	482	6	&	&	CCONJ
ajfa-1507	482	7	levine	levine	PROPN
ajfa-1507	482	8	,	,	PUNCT
ajfa-1507	482	9	r.	r.	PROPN
ajfa-1507	482	10	(	(	PUNCT
ajfa-1507	482	11	2007	2007	NUM
ajfa-1507	482	12	)	)	PUNCT
ajfa-1507	482	13	.	.	PUNCT
ajfa-1507	483	1	is	be	AUX
ajfa-1507	483	2	there	there	PRON
ajfa-1507	483	3	a	a	DET
ajfa-1507	483	4	diversification	diversification	NOUN
ajfa-1507	483	5	discount	discount	NOUN
ajfa-1507	483	6	in	in	ADP
ajfa-1507	483	7	financial	financial	ADJ
ajfa-1507	483	8	conglomerates	conglomerate	NOUN
ajfa-1507	483	9	?	?	PUNCT
ajfa-1507	484	1	journal	journal	NOUN
ajfa-1507	484	2	of	of	ADP
ajfa-1507	484	3	financial	financial	ADJ
ajfa-1507	484	4	economics	economic	NOUN
ajfa-1507	484	5	,	,	PUNCT
ajfa-1507	484	6	vol	vol	NOUN
ajfa-1507	484	7	.	.	PROPN
ajfa-1507	484	8	85	85	NUM
ajfa-1507	484	9	331–67	331–67	NUM
ajfa-1507	484	10	.	.	PUNCT
ajfa-1507	485	1	http://dx.doi.org/10.1016/j.jfineco.2005.06.001	http://dx.doi.org/10.1016/j.jfineco.2005.06.001	PROPN
ajfa-1507	485	2	lang	lang	PROPN
ajfa-1507	485	3	,	,	PUNCT
ajfa-1507	485	4	g.	g.	PROPN
ajfa-1507	485	5	,	,	PUNCT
ajfa-1507	485	6	&	&	CCONJ
ajfa-1507	485	7	p.	p.	PROPN
ajfa-1507	485	8	welzel	welzel	PROPN
ajfa-1507	485	9	.	.	PUNCT
ajfa-1507	486	1	(	(	PUNCT
ajfa-1507	486	2	1998	1998	NUM
ajfa-1507	486	3	)	)	PUNCT
ajfa-1507	486	4	.	.	PUNCT
ajfa-1507	487	1	technology	technology	NOUN
ajfa-1507	487	2	and	and	CCONJ
ajfa-1507	487	3	cost	cost	NOUN
ajfa-1507	487	4	efficiency	efficiency	NOUN
ajfa-1507	487	5	in	in	ADP
ajfa-1507	487	6	universal	universal	ADJ
ajfa-1507	487	7	banking	banking	NOUN
ajfa-1507	487	8	:	:	PUNCT
ajfa-1507	487	9	a	a	DET
ajfa-1507	487	10	“	"	PUNCT
ajfa-1507	487	11	thick	thick	ADJ
ajfa-1507	487	12	frontier”analysis	frontier”analysis	PROPN
ajfa-1507	487	13	of	of	ADP
ajfa-1507	487	14	the	the	DET
ajfa-1507	487	15	german	german	ADJ
ajfa-1507	487	16	banking	banking	NOUN
ajfa-1507	487	17	industry	industry	NOUN
ajfa-1507	487	18	.	.	PUNCT
ajfa-1507	488	1	journal	journal	PROPN
ajfa-1507	488	2	of	of	ADP
ajfa-1507	488	3	productivity	productivity	NOUN
ajfa-1507	488	4	analysis	analysis	NOUN
ajfa-1507	488	5	,	,	PUNCT
ajfa-1507	488	6	10	10	NUM
ajfa-1507	488	7	,	,	PUNCT
ajfa-1507	488	8	63	63	NUM
ajfa-1507	488	9	-	-	SYM
ajfa-1507	488	10	84	84	NUM
ajfa-1507	488	11	.	.	PUNCT
ajfa-1507	489	1	http://dx.doi.org/10.1023/a:1018346332447	http://dx.doi.org/10.1023/a:1018346332447	PROPN
ajfa-1507	489	2	lozano	lozano	PROPN
ajfa-1507	489	3	-	-	PUNCT
ajfa-1507	489	4	vivas	vivas	PROPN
ajfa-1507	489	5	,	,	PUNCT
ajfa-1507	489	6	a.	a.	PROPN
ajfa-1507	489	7	,	,	PUNCT
ajfa-1507	489	8	pastor	pastor	PROPN
ajfa-1507	489	9	,	,	PUNCT
ajfa-1507	489	10	j.t	j.t	PROPN
ajfa-1507	489	11	.	.	PROPN
ajfa-1507	489	12	,	,	PUNCT
ajfa-1507	489	13	&	&	CCONJ
ajfa-1507	489	14	j.m	j.m	PROPN
ajfa-1507	489	15	.	.	PROPN
ajfa-1507	489	16	pastor	pastor	PROPN
ajfa-1507	489	17	.	.	PUNCT
ajfa-1507	490	1	(	(	PUNCT
ajfa-1507	490	2	2002	2002	NUM
ajfa-1507	490	3	)	)	PUNCT
ajfa-1507	490	4	.	.	PUNCT
ajfa-1507	491	1	an	an	DET
ajfa-1507	491	2	efficiency	efficiency	NOUN
ajfa-1507	491	3	comparison	comparison	NOUN
ajfa-1507	491	4	of	of	ADP
ajfa-1507	491	5	european	european	ADJ
ajfa-1507	491	6	banking	banking	NOUN
ajfa-1507	491	7	systems	system	NOUN
ajfa-1507	491	8	operating	operate	VERB
ajfa-1507	491	9	under	under	ADP
ajfa-1507	491	10	different	different	ADJ
ajfa-1507	491	11	environmental	environmental	ADJ
ajfa-1507	491	12	conditions	condition	NOUN
ajfa-1507	491	13	.	.	PUNCT
ajfa-1507	492	1	journal	journal	NOUN
ajfa-1507	492	2	of	of	ADP
ajfa-1507	492	3	productivity	productivity	NOUN
ajfa-1507	492	4	analysis	analysis	NOUN
ajfa-1507	492	5	,	,	PUNCT
ajfa-1507	492	6	18	18	NUM
ajfa-1507	492	7	,	,	PUNCT
ajfa-1507	492	8	59	59	NUM
ajfa-1507	492	9	-	-	SYM
ajfa-1507	492	10	77	77	NUM
ajfa-1507	492	11	.	.	PUNCT
ajfa-1507	493	1	http://dx.doi.org/10.1023/a:1015704510270	http://dx.doi.org/10.1023/a:1015704510270	PROPN
ajfa-1507	493	2	mcdonald	mcdonald	PROPN
ajfa-1507	493	3	,	,	PUNCT
ajfa-1507	493	4	j.	j.	PROPN
ajfa-1507	493	5	(	(	PUNCT
ajfa-1507	493	6	2009	2009	NUM
ajfa-1507	493	7	)	)	PUNCT
ajfa-1507	493	8	.	.	PUNCT
ajfa-1507	494	1	using	use	VERB
ajfa-1507	494	2	least	least	ADJ
ajfa-1507	494	3	squares	square	NOUN
ajfa-1507	494	4	and	and	CCONJ
ajfa-1507	494	5	tobit	tobit	NOUN
ajfa-1507	494	6	in	in	ADP
ajfa-1507	494	7	second	second	ADJ
ajfa-1507	494	8	stage	stage	NOUN
ajfa-1507	494	9	dea	dea	NOUN
ajfa-1507	494	10	efficiency	efficiency	NOUN
ajfa-1507	494	11	analyses	analysis	NOUN
ajfa-1507	494	12	.	.	PUNCT
ajfa-1507	495	1	european	european	ADJ
ajfa-1507	495	2	journal	journal	PROPN
ajfa-1507	495	3	of	of	ADP
ajfa-1507	495	4	operational	operational	ADJ
ajfa-1507	495	5	research	research	NOUN
ajfa-1507	495	6	,	,	PUNCT
ajfa-1507	495	7	197	197	NUM
ajfa-1507	495	8	,	,	PUNCT
ajfa-1507	495	9	792	792	NUM
ajfa-1507	495	10	-	-	SYM
ajfa-1507	495	11	798	798	NUM
ajfa-1507	495	12	.	.	PUNCT
ajfa-1507	496	1	http://dx.doi.org/10.1016/j.ejor.2008.07.039	http://dx.doi.org/10.1016/j.ejor.2008.07.039	NOUN
ajfa-1507	496	2	mester	mester	NOUN
ajfa-1507	496	3	,	,	PUNCT
ajfa-1507	496	4	l.j	l.j	PROPN
ajfa-1507	496	5	.	.	PROPN
ajfa-1507	496	6	(	(	PUNCT
ajfa-1507	496	7	1996	1996	NUM
ajfa-1507	496	8	)	)	PUNCT
ajfa-1507	496	9	.	.	PUNCT
ajfa-1507	497	1	a	a	DET
ajfa-1507	497	2	study	study	NOUN
ajfa-1507	497	3	of	of	ADP
ajfa-1507	497	4	bank	bank	NOUN
ajfa-1507	497	5	efficiency	efficiency	NOUN
ajfa-1507	497	6	taking	take	VERB
ajfa-1507	497	7	into	into	ADP
ajfa-1507	497	8	account	account	NOUN
ajfa-1507	497	9	riskpreferences	riskpreference	NOUN
ajfa-1507	497	10	.	.	PUNCT
ajfa-1507	498	1	journal	journal	NOUN
ajfa-1507	498	2	of	of	ADP
ajfa-1507	498	3	banking	banking	NOUN
ajfa-1507	498	4	and	and	CCONJ
ajfa-1507	498	5	finance	finance	NOUN
ajfa-1507	498	6	,	,	PUNCT
ajfa-1507	498	7	20	20	NUM
ajfa-1507	498	8	,	,	PUNCT
ajfa-1507	498	9	1025	1025	NUM
ajfa-1507	498	10	-	-	SYM
ajfa-1507	498	11	1045	1045	NUM
ajfa-1507	498	12	.	.	PUNCT
ajfa-1507	499	1	http://dx.doi.org/10.1016/0378-4266(95)00047-x	http://dx.doi.org/10.1016/0378-4266(95)00047-x	X
ajfa-1507	499	2	molyneux	molyneux	PROPN
ajfa-1507	499	3	,	,	PUNCT
ajfa-1507	499	4	p.	p.	NOUN
ajfa-1507	499	5	(	(	PUNCT
ajfa-1507	499	6	2003	2003	NUM
ajfa-1507	499	7	)	)	PUNCT
ajfa-1507	499	8	.	.	PUNCT
ajfa-1507	500	1	regulation	regulation	NOUN
ajfa-1507	500	2	and	and	CCONJ
ajfa-1507	500	3	financial	financial	ADJ
ajfa-1507	500	4	innovation	innovation	NOUN
ajfa-1507	500	5	trends	trend	NOUN
ajfa-1507	500	6	in	in	ADP
ajfa-1507	500	7	european	european	ADJ
ajfa-1507	500	8	banking	banking	NOUN
ajfa-1507	500	9	and	and	CCONJ
ajfa-1507	500	10	the	the	DET
ajfa-1507	500	11	impact	impact	NOUN
ajfa-1507	500	12	on	on	ADP
ajfa-1507	500	13	the	the	DET
ajfa-1507	500	14	supply	supply	NOUN
ajfa-1507	500	15	and	and	CCONJ
ajfa-1507	500	16	demand	demand	NOUN
ajfa-1507	500	17	for	for	ADP
ajfa-1507	500	18	financial	financial	ADJ
ajfa-1507	500	19	services	service	NOUN
ajfa-1507	500	20	in	in	ADP
ajfa-1507	500	21	europe	europe	PROPN
ajfa-1507	500	22	.	.	PUNCT
ajfa-1507	501	1	united	united	PROPN
ajfa-1507	501	2	nations	nations	PROPN
ajfa-1507	501	3	university	university	PROPN
ajfa-1507	501	4	,	,	PUNCT
ajfa-1507	501	5	institute	institute	NOUN
ajfa-1507	501	6	for	for	ADP
ajfa-1507	501	7	new	new	ADJ
ajfa-1507	501	8	technologies	technology	NOUN
ajfa-1507	501	9	,	,	PUNCT
ajfa-1507	501	10	eifc	eifc	NOUN
ajfa-1507	501	11	technology	technology	NOUN
ajfa-1507	501	12	and	and	CCONJ
ajfa-1507	501	13	finance	finance	NOUN
ajfa-1507	501	14	,	,	PUNCT
ajfa-1507	501	15	working	working	NOUN
ajfa-1507	501	16	papers	paper	NOUN
ajfa-1507	501	17	,	,	PUNCT
ajfa-1507	501	18	no	no	INTJ
ajfa-1507	501	19	.	.	PROPN
ajfa-1507	501	20	16	16	NUM
ajfa-1507	501	21	.	.	PUNCT
ajfa-1507	502	1	ng	ng	PROPN
ajfa-1507	502	2	,	,	PUNCT
ajfa-1507	502	3	jeffrey	jeffrey	PROPN
ajfa-1507	502	4	and	and	CCONJ
ajfa-1507	502	5	s.	s.	PROPN
ajfa-1507	502	6	roychowdhury	roychowdhury	PROPN
ajfa-1507	502	7	,	,	PUNCT
ajfa-1507	502	8	(	(	PUNCT
ajfa-1507	502	9	2011	2011	NUM
ajfa-1507	502	10	)	)	PUNCT
ajfa-1507	502	11	.	.	PUNCT
ajfa-1507	503	1	do	do	AUX
ajfa-1507	503	2	loan	loan	NOUN
ajfa-1507	503	3	loss	loss	NOUN
ajfa-1507	503	4	reserves	reserve	NOUN
ajfa-1507	503	5	behave	behave	VERB
ajfa-1507	503	6	like	like	ADP
ajfa-1507	503	7	capital	capital	NOUN
ajfa-1507	503	8	?	?	PUNCT
ajfa-1507	504	1	evidence	evidence	NOUN
ajfa-1507	504	2	from	from	ADP
ajfa-1507	504	3	recent	recent	ADJ
ajfa-1507	504	4	bank	bank	NOUN
ajfa-1507	504	5	failures	failure	NOUN
ajfa-1507	504	6	.	.	PUNCT
ajfa-1507	505	1	retrieved	retrieve	VERB
ajfa-1507	505	2	from	from	ADP
ajfa-1507	505	3	http://ssrn.com/abstract=1646928	http://ssrn.com/abstract=1646928	NOUN
ajfa-1507	505	4	papke	papke	NOUN
ajfa-1507	505	5	,	,	PUNCT
ajfa-1507	505	6	l.e	l.e	PROPN
ajfa-1507	505	7	.	.	PROPN
ajfa-1507	505	8	,	,	PUNCT
ajfa-1507	505	9	&	&	CCONJ
ajfa-1507	505	10	j.m	j.m	PROPN
ajfa-1507	505	11	.	.	PROPN
ajfa-1507	505	12	wooldridge	wooldridge	PROPN
ajfa-1507	505	13	.	.	PUNCT
ajfa-1507	506	1	(	(	PUNCT
ajfa-1507	506	2	1996	1996	NUM
ajfa-1507	506	3	)	)	PUNCT
ajfa-1507	506	4	.	.	PUNCT
ajfa-1507	507	1	econometric	econometric	ADJ
ajfa-1507	507	2	methods	method	NOUN
ajfa-1507	507	3	for	for	ADP
ajfa-1507	507	4	fractional	fractional	ADJ
ajfa-1507	507	5	response	response	NOUN
ajfa-1507	507	6	variables	variable	NOUN
ajfa-1507	507	7	with	with	ADP
ajfa-1507	507	8	an	an	DET
ajfa-1507	507	9	application	application	NOUN
ajfa-1507	507	10	to	to	ADP
ajfa-1507	507	11	401(k	401(k	PROPN
ajfa-1507	507	12	)	)	PUNCT
ajfa-1507	507	13	plan	plan	NOUN
ajfa-1507	507	14	participation	participation	NOUN
ajfa-1507	507	15	rates	rate	NOUN
ajfa-1507	507	16	.	.	PUNCT
ajfa-1507	508	1	journal	journal	NOUN
ajfa-1507	508	2	of	of	ADP
ajfa-1507	508	3	applied	applied	ADJ
ajfa-1507	508	4	econometrics	econometric	NOUN
ajfa-1507	508	5	,	,	PUNCT
ajfa-1507	508	6	11	11	NUM
ajfa-1507	508	7	,	,	PUNCT
ajfa-1507	508	8	619	619	NUM
ajfa-1507	508	9	-	-	SYM
ajfa-1507	508	10	632	632	NUM
ajfa-1507	508	11	.	.	PUNCT
ajfa-1507	509	1	http://dx.doi.org/10.1002/(sici)1099-1255(199611)11:6<619::aid-jae418>3.0.co;2-1	http://dx.doi.org/10.1002/(sici)1099-1255(199611)11:6<619::aid-jae418>3.0.co;2-1	PROPN
ajfa-1507	509	2	pasiouras	pasiouras	PROPN
ajfa-1507	509	3	,	,	PUNCT
ajfa-1507	509	4	f.	f.	PROPN
ajfa-1507	509	5	,	,	PUNCT
ajfa-1507	509	6	tanna	tanna	PROPN
ajfa-1507	509	7	,	,	PUNCT
ajfa-1507	509	8	s.	s.	PROPN
ajfa-1507	509	9	,	,	PUNCT
ajfa-1507	509	10	&	&	CCONJ
ajfa-1507	509	11	c.	c.	PROPN
ajfa-1507	509	12	zopounidis	zopounidis	PROPN
ajfa-1507	509	13	.	.	PUNCT
ajfa-1507	509	14	(	(	PUNCT
ajfa-1507	509	15	2009	2009	NUM
ajfa-1507	509	16	)	)	PUNCT
ajfa-1507	509	17	.	.	PUNCT
ajfa-1507	510	1	the	the	DET
ajfa-1507	510	2	impact	impact	NOUN
ajfa-1507	510	3	of	of	ADP
ajfa-1507	510	4	banking	banking	NOUN
ajfa-1507	510	5	regulations	regulation	NOUN
ajfa-1507	510	6	on	on	ADP
ajfa-1507	510	7	banks	bank	NOUN
ajfa-1507	510	8	’	'	PUNCT
ajfa-1507	510	9	cost	cost	NOUN
ajfa-1507	510	10	and	and	CCONJ
ajfa-1507	510	11	profit	profit	NOUN
ajfa-1507	510	12	efficiency	efficiency	NOUN
ajfa-1507	510	13	:	:	PUNCT
ajfa-1507	510	14	cross	cross	ADJ
ajfa-1507	510	15	-	-	ADJ
ajfa-1507	510	16	country	country	ADJ
ajfa-1507	510	17	evidence	evidence	NOUN
ajfa-1507	510	18	.	.	PUNCT
ajfa-1507	511	1	international	international	ADJ
ajfa-1507	511	2	review	review	NOUN
ajfa-1507	511	3	of	of	ADP
ajfa-1507	511	4	financial	financial	ADJ
ajfa-1507	511	5	analysis	analysis	NOUN
ajfa-1507	511	6	,	,	PUNCT
ajfa-1507	511	7	18	18	NUM
ajfa-1507	511	8	,	,	PUNCT
ajfa-1507	511	9	294	294	NUM
ajfa-1507	511	10	-	-	SYM
ajfa-1507	511	11	302	302	NUM
ajfa-1507	511	12	.	.	PUNCT
ajfa-1507	512	1	http://dx.doi.org/10.1016/j.irfa.2009.07.003	http://dx.doi.org/10.1016/j.irfa.2009.07.003	NOUN
ajfa-1507	512	2	pasiouras	pasioura	NOUN
ajfa-1507	512	3	,	,	PUNCT
ajfa-1507	512	4	f.	f.	PROPN
ajfa-1507	512	5	(	(	PUNCT
ajfa-1507	512	6	2008	2008	NUM
ajfa-1507	512	7	)	)	PUNCT
ajfa-1507	512	8	.	.	PUNCT
ajfa-1507	513	1	international	international	ADJ
ajfa-1507	513	2	evidence	evidence	NOUN
ajfa-1507	513	3	on	on	ADP
ajfa-1507	513	4	the	the	DET
ajfa-1507	513	5	impact	impact	NOUN
ajfa-1507	513	6	of	of	ADP
ajfa-1507	513	7	regulations	regulation	NOUN
ajfa-1507	513	8	and	and	CCONJ
ajfa-1507	513	9	supervision	supervision	NOUN
ajfa-1507	513	10	on	on	ADP
ajfa-1507	513	11	banks	bank	NOUN
ajfa-1507	513	12	’	’	PART
ajfa-1507	513	13	technical	technical	ADJ
ajfa-1507	513	14	efficiency	efficiency	NOUN
ajfa-1507	513	15	:	:	PUNCT
ajfa-1507	513	16	an	an	DET
ajfa-1507	513	17	application	application	NOUN
ajfa-1507	513	18	of	of	ADP
ajfa-1507	513	19	two	two	NUM
ajfa-1507	513	20	-	-	PUNCT
ajfa-1507	513	21	stage	stage	NOUN
ajfa-1507	513	22	data	datum	NOUN
ajfa-1507	513	23	envelopment	envelopment	ADJ
ajfa-1507	513	24	analysis	analysis	NOUN
ajfa-1507	513	25	.	.	PUNCT
ajfa-1507	514	1	review	review	NOUN
ajfa-1507	514	2	of	of	ADP
ajfa-1507	514	3	quantitative	quantitative	ADJ
ajfa-1507	514	4	finance	finance	NOUN
ajfa-1507	514	5	and	and	CCONJ
ajfa-1507	514	6	accounting	accounting	NOUN
ajfa-1507	514	7	,	,	PUNCT
ajfa-1507	514	8	30	30	NUM
ajfa-1507	514	9	,	,	PUNCT
ajfa-1507	514	10	187	187	NUM
ajfa-1507	514	11	-	-	SYM
ajfa-1507	514	12	223	223	NUM
ajfa-1507	514	13	.	.	PUNCT
ajfa-1507	515	1	http://dx.doi.org/10.1007/s11156-007-0046-7	http://dx.doi.org/10.1007/s11156-007-0046-7	PROPN
ajfa-1507	515	2	pasiouras	pasiouras	PROPN
ajfa-1507	515	3	,	,	PUNCT
ajfa-1507	515	4	f.	f.	PROPN
ajfa-1507	515	5	,	,	PUNCT
ajfa-1507	515	6	gaganis	gaganis	NOUN
ajfa-1507	515	7	,	,	PUNCT
ajfa-1507	515	8	c.	c.	PROPN
ajfa-1507	515	9	,	,	PUNCT
ajfa-1507	515	10	&	&	CCONJ
ajfa-1507	515	11	c.	c.	PROPN
ajfa-1507	515	12	zopounidis	zopounidis	PROPN
ajfa-1507	515	13	.	.	PUNCT
ajfa-1507	515	14	(	(	PUNCT
ajfa-1507	515	15	2006	2006	NUM
ajfa-1507	515	16	)	)	PUNCT
ajfa-1507	515	17	.	.	PUNCT
ajfa-1507	516	1	the	the	DET
ajfa-1507	516	2	impact	impact	NOUN
ajfa-1507	516	3	of	of	ADP
ajfa-1507	516	4	bank	bank	NOUN
ajfa-1507	516	5	regulations	regulation	NOUN
ajfa-1507	516	6	,	,	PUNCT
ajfa-1507	516	7	supervision	supervision	NOUN
ajfa-1507	516	8	,	,	PUNCT
ajfa-1507	516	9	market	market	NOUN
ajfa-1507	516	10	structure	structure	NOUN
ajfa-1507	516	11	,	,	PUNCT
ajfa-1507	516	12	and	and	CCONJ
ajfa-1507	516	13	bank	bank	NOUN
ajfa-1507	516	14	characteristics	characteristic	NOUN
ajfa-1507	516	15	on	on	ADP
ajfa-1507	516	16	individual	individual	ADJ
ajfa-1507	516	17	bank	bank	NOUN
ajfa-1507	516	18	ratings	rating	NOUN
ajfa-1507	516	19	:	:	PUNCT
ajfa-1507	516	20	a	a	DET
ajfa-1507	516	21	asian	asian	ADJ
ajfa-1507	516	22	journal	journal	NOUN
ajfa-1507	516	23	of	of	ADP
ajfa-1507	516	24	finance	finance	PROPN
ajfa-1507	516	25	&	&	CCONJ
ajfa-1507	516	26	accounting	accounting	PROPN
ajfa-1507	516	27	issn	issn	PROPN
ajfa-1507	516	28	1946	1946	NUM
ajfa-1507	516	29	-	-	PUNCT
ajfa-1507	516	30	052x	052x	NOUN
ajfa-1507	516	31	2012	2012	NUM
ajfa-1507	516	32	,	,	PUNCT
ajfa-1507	516	33	vol	vol	NOUN
ajfa-1507	516	34	.	.	PROPN
ajfa-1507	516	35	4	4	NUM
ajfa-1507	516	36	,	,	PUNCT
ajfa-1507	516	37	no	no	INTJ
ajfa-1507	516	38	.	.	NOUN
ajfa-1507	516	39	1	1	NUM
ajfa-1507	516	40	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	516	41	241	241	NUM
ajfa-1507	516	42	cross	cross	ADJ
ajfa-1507	516	43	-	-	ADJ
ajfa-1507	516	44	country	country	ADJ
ajfa-1507	516	45	analysis	analysis	NOUN
ajfa-1507	516	46	.	.	PUNCT
ajfa-1507	517	1	review	review	NOUN
ajfa-1507	517	2	of	of	ADP
ajfa-1507	517	3	quantitative	quantitative	ADJ
ajfa-1507	517	4	finance	finance	NOUN
ajfa-1507	517	5	and	and	CCONJ
ajfa-1507	517	6	accounting	accounting	NOUN
ajfa-1507	517	7	,	,	PUNCT
ajfa-1507	517	8	27	27	NUM
ajfa-1507	517	9	,	,	PUNCT
ajfa-1507	517	10	403	403	NUM
ajfa-1507	517	11	-	-	SYM
ajfa-1507	517	12	438	438	NUM
ajfa-1507	517	13	.	.	PUNCT
ajfa-1507	518	1	http://dx.doi.org/10.1007/s11156-006-0045-0	http://dx.doi.org/10.1007/s11156-006-0045-0	PROPN
ajfa-1507	519	1	ramalho	ramalho	PROPN
ajfa-1507	519	2	,	,	PUNCT
ajfa-1507	519	3	e.a	e.a	PROPN
ajfa-1507	519	4	.	.	PROPN
ajfa-1507	519	5	,	,	PUNCT
ajfa-1507	519	6	j.j.s	j.j.s	PROPN
ajfa-1507	519	7	.	.	PROPN
ajfa-1507	519	8	ramalho	ramalho	PROPN
ajfa-1507	519	9	,	,	PUNCT
ajfa-1507	519	10	&	&	CCONJ
ajfa-1507	519	11	p.d	p.d	PROPN
ajfa-1507	519	12	.	.	PROPN
ajfa-1507	519	13	henriques	henrique	NOUN
ajfa-1507	519	14	.	.	PUNCT
ajfa-1507	520	1	(	(	PUNCT
ajfa-1507	520	2	2010	2010	NUM
ajfa-1507	520	3	)	)	PUNCT
ajfa-1507	520	4	.	.	PUNCT
ajfa-1507	521	1	fractional	fractional	ADJ
ajfa-1507	521	2	regression	regression	NOUN
ajfa-1507	521	3	models	model	NOUN
ajfa-1507	521	4	for	for	ADP
ajfa-1507	521	5	second	second	ADJ
ajfa-1507	521	6	stage	stage	NOUN
ajfa-1507	521	7	dea	dea	NOUN
ajfa-1507	521	8	efficiency	efficiency	NOUN
ajfa-1507	521	9	analyses	analysis	NOUN
ajfa-1507	521	10	.	.	PUNCT
ajfa-1507	522	1	journal	journal	NOUN
ajfa-1507	522	2	of	of	ADP
ajfa-1507	522	3	productivity	productivity	NOUN
ajfa-1507	522	4	analysis	analysis	NOUN
ajfa-1507	522	5	,	,	PUNCT
ajfa-1507	522	6	34	34	NUM
ajfa-1507	522	7	,	,	PUNCT
ajfa-1507	522	8	239	239	NUM
ajfa-1507	522	9	-	-	SYM
ajfa-1507	522	10	255	255	NUM
ajfa-1507	522	11	.	.	PUNCT
ajfa-1507	523	1	http://dx.doi.org/10.1007/s11123-010-0184-0	http://dx.doi.org/10.1007/s11123-010-0184-0	PROPN
ajfa-1507	523	2	rehman	rehman	PROPN
ajfa-1507	523	3	,	,	PUNCT
ajfa-1507	523	4	s.	s.	PROPN
ajfa-1507	523	5	,	,	PUNCT
ajfa-1507	523	6	&	&	CCONJ
ajfa-1507	523	7	perry	perry	PROPN
ajfa-1507	523	8	,	,	PUNCT
ajfa-1507	523	9	f.	f.	PROPN
ajfa-1507	523	10	(	(	PUNCT
ajfa-1507	523	11	2011	2011	NUM
ajfa-1507	523	12	)	)	PUNCT
ajfa-1507	523	13	.	.	PUNCT
ajfa-1507	524	1	globalization	globalization	NOUN
ajfa-1507	524	2	of	of	ADP
ajfa-1507	524	3	islamic	islamic	ADJ
ajfa-1507	524	4	finance	finance	NOUN
ajfa-1507	524	5	:	:	PUNCT
ajfa-1507	524	6	myth	myth	NOUN
ajfa-1507	524	7	or	or	CCONJ
ajfa-1507	524	8	reality	reality	NOUN
ajfa-1507	524	9	?	?	PUNCT
ajfa-1507	525	1	international	international	ADJ
ajfa-1507	525	2	journal	journal	NOUN
ajfa-1507	525	3	of	of	ADP
ajfa-1507	525	4	humanities	humanity	NOUN
ajfa-1507	525	5	and	and	CCONJ
ajfa-1507	525	6	social	social	ADJ
ajfa-1507	525	7	science	science	NOUN
ajfa-1507	525	8	,	,	PUNCT
ajfa-1507	525	9	1,107	1,107	NUM
ajfa-1507	525	10	-	-	SYM
ajfa-1507	525	11	119	119	NUM
ajfa-1507	525	12	.	.	PUNCT
ajfa-1507	526	1	reinhart	reinhart	PROPN
ajfa-1507	526	2	,	,	PUNCT
ajfa-1507	526	3	c.	c.	PROPN
ajfa-1507	526	4	,	,	PUNCT
ajfa-1507	526	5	&	&	CCONJ
ajfa-1507	526	6	k.	k.	PROPN
ajfa-1507	526	7	rogoff	rogoff	PROPN
ajfa-1507	526	8	.	.	PUNCT
ajfa-1507	527	1	(	(	PUNCT
ajfa-1507	527	2	2008	2008	NUM
ajfa-1507	527	3	)	)	PUNCT
ajfa-1507	527	4	.	.	PUNCT
ajfa-1507	528	1	this	this	DET
ajfa-1507	528	2	time	time	NOUN
ajfa-1507	528	3	is	be	AUX
ajfa-1507	528	4	different	different	ADJ
ajfa-1507	528	5	:	:	PUNCT
ajfa-1507	528	6	a	a	DET
ajfa-1507	528	7	panomaric	panomaric	ADJ
ajfa-1507	528	8	view	view	NOUN
ajfa-1507	528	9	of	of	ADP
ajfa-1507	528	10	eight	eight	NUM
ajfa-1507	528	11	centuries	century	NOUN
ajfa-1507	528	12	of	of	ADP
ajfa-1507	528	13	financial	financial	ADJ
ajfa-1507	528	14	crises	crisis	NOUN
ajfa-1507	528	15	.	.	PUNCT
ajfa-1507	529	1	nber	nber	PROPN
ajfa-1507	529	2	,	,	PUNCT
ajfa-1507	529	3	working	work	VERB
ajfa-1507	529	4	paper	paper	NOUN
ajfa-1507	529	5	13882	13882	NUM
ajfa-1507	529	6	.	.	PUNCT
ajfa-1507	530	1	rochet	rochet	PROPN
ajfa-1507	530	2	,	,	PUNCT
ajfa-1507	530	3	j.	j.	PROPN
ajfa-1507	530	4	(	(	PUNCT
ajfa-1507	530	5	1992	1992	NUM
ajfa-1507	530	6	)	)	PUNCT
ajfa-1507	530	7	.	.	PUNCT
ajfa-1507	531	1	capital	capital	NOUN
ajfa-1507	531	2	requirements	requirement	NOUN
ajfa-1507	531	3	and	and	CCONJ
ajfa-1507	531	4	the	the	DET
ajfa-1507	531	5	behaviour	behaviour	NOUN
ajfa-1507	531	6	of	of	ADP
ajfa-1507	531	7	commercial	commercial	ADJ
ajfa-1507	531	8	banks	bank	NOUN
ajfa-1507	531	9	.	.	PUNCT
ajfa-1507	532	1	european	european	ADJ
ajfa-1507	532	2	economic	economic	PROPN
ajfa-1507	532	3	review	review	PROPN
ajfa-1507	532	4	,	,	PUNCT
ajfa-1507	532	5	36	36	NUM
ajfa-1507	532	6	,	,	PUNCT
ajfa-1507	532	7	1137	1137	NUM
ajfa-1507	532	8	-	-	SYM
ajfa-1507	532	9	1170	1170	NUM
ajfa-1507	532	10	.	.	PUNCT
ajfa-1507	533	1	http://dx.doi.org/10.1016/0014-2921(92)90051-w	http://dx.doi.org/10.1016/0014-2921(92)90051-w	X
ajfa-1507	533	2	schaeck	schaeck	PROPN
ajfa-1507	533	3	,	,	PUNCT
ajfa-1507	533	4	k.	k.	PROPN
ajfa-1507	533	5	,	,	PUNCT
ajfa-1507	533	6	cihak	cihak	NOUN
ajfa-1507	533	7	,	,	PUNCT
ajfa-1507	533	8	m.	m.	NOUN
ajfa-1507	533	9	,	,	PUNCT
ajfa-1507	533	10	&	&	CCONJ
ajfa-1507	533	11	s.	s.	PROPN
ajfa-1507	533	12	wolfe	wolfe	PROPN
ajfa-1507	533	13	.	.	PUNCT
ajfa-1507	534	1	(	(	PUNCT
ajfa-1507	534	2	2009	2009	NUM
ajfa-1507	534	3	)	)	PUNCT
ajfa-1507	534	4	.	.	PUNCT
ajfa-1507	535	1	are	be	AUX
ajfa-1507	535	2	competitive	competitive	ADJ
ajfa-1507	535	3	banking	banking	NOUN
ajfa-1507	535	4	systems	system	NOUN
ajfa-1507	535	5	more	more	ADV
ajfa-1507	535	6	stable	stable	ADJ
ajfa-1507	535	7	?	?	PUNCT
ajfa-1507	536	1	journal	journal	NOUN
ajfa-1507	536	2	of	of	ADP
ajfa-1507	536	3	money	money	NOUN
ajfa-1507	536	4	,	,	PUNCT
ajfa-1507	536	5	credit	credit	NOUN
ajfa-1507	536	6	and	and	CCONJ
ajfa-1507	536	7	banking	banking	NOUN
ajfa-1507	536	8	,	,	PUNCT
ajfa-1507	536	9	41	41	NUM
ajfa-1507	536	10	,	,	PUNCT
ajfa-1507	536	11	711	711	NUM
ajfa-1507	536	12	-	-	SYM
ajfa-1507	536	13	734	734	NUM
ajfa-1507	536	14	.	.	PUNCT
ajfa-1507	537	1	http://dx.doi.org/10.1111/j.1538-4616.2009.00228.x	http://dx.doi.org/10.1111/j.1538-4616.2009.00228.x	ADJ
ajfa-1507	537	2	schure	schure	NOUN
ajfa-1507	537	3	,	,	PUNCT
ajfa-1507	537	4	p.	p.	NOUN
ajfa-1507	537	5	,	,	PUNCT
ajfa-1507	537	6	wagenvoort	wagenvoort	PROPN
ajfa-1507	537	7	,	,	PUNCT
ajfa-1507	537	8	r.	r.	PROPN
ajfa-1507	537	9	,	,	PUNCT
ajfa-1507	537	10	&	&	CCONJ
ajfa-1507	537	11	d.	d.	PROPN
ajfa-1507	537	12	o	o	PROPN
ajfa-1507	537	13	’	'	PUNCT
ajfa-1507	537	14	brien	brien	PROPN
ajfa-1507	537	15	.	.	PUNCT
ajfa-1507	538	1	(	(	PUNCT
ajfa-1507	538	2	2004	2004	NUM
ajfa-1507	538	3	)	)	PUNCT
ajfa-1507	538	4	.	.	PUNCT
ajfa-1507	539	1	the	the	DET
ajfa-1507	539	2	efficiency	efficiency	NOUN
ajfa-1507	539	3	and	and	CCONJ
ajfa-1507	539	4	the	the	DET
ajfa-1507	539	5	conduct	conduct	NOUN
ajfa-1507	539	6	of	of	ADP
ajfa-1507	539	7	european	european	ADJ
ajfa-1507	539	8	banks	bank	NOUN
ajfa-1507	539	9	:	:	PUNCT
ajfa-1507	539	10	developments	development	NOUN
ajfa-1507	539	11	after	after	ADP
ajfa-1507	539	12	1992	1992	NUM
ajfa-1507	539	13	.	.	PUNCT
ajfa-1507	540	1	review	review	NOUN
ajfa-1507	540	2	of	of	ADP
ajfa-1507	540	3	financial	financial	ADJ
ajfa-1507	540	4	economics	economic	NOUN
ajfa-1507	540	5	,	,	PUNCT
ajfa-1507	540	6	13	13	NUM
ajfa-1507	540	7	,	,	PUNCT
ajfa-1507	540	8	371	371	NUM
ajfa-1507	540	9	-	-	SYM
ajfa-1507	540	10	396	396	NUM
ajfa-1507	540	11	.	.	PUNCT
ajfa-1507	541	1	http://dx.doi.org/10.1016/j.rfe.2004.01.001	http://dx.doi.org/10.1016/j.rfe.2004.01.001	PROPN
ajfa-1507	541	2	sealey	sealey	PROPN
ajfa-1507	541	3	,	,	PUNCT
ajfa-1507	541	4	c.w	c.w	PROPN
ajfa-1507	541	5	.	.	PROPN
ajfa-1507	541	6	and	and	CCONJ
ajfa-1507	541	7	j.t	j.t	PROPN
ajfa-1507	541	8	.	.	PROPN
ajfa-1507	541	9	lindley	lindley	PROPN
ajfa-1507	541	10	.	.	PUNCT
ajfa-1507	542	1	(	(	PUNCT
ajfa-1507	542	2	1977	1977	NUM
ajfa-1507	542	3	)	)	PUNCT
ajfa-1507	542	4	.	.	PUNCT
ajfa-1507	543	1	inputs	input	NOUN
ajfa-1507	543	2	,	,	PUNCT
ajfa-1507	543	3	outputs	output	NOUN
ajfa-1507	543	4	and	and	CCONJ
ajfa-1507	543	5	theory	theory	NOUN
ajfa-1507	543	6	of	of	ADP
ajfa-1507	543	7	production	production	NOUN
ajfa-1507	543	8	and	and	CCONJ
ajfa-1507	543	9	costs	cost	NOUN
ajfa-1507	543	10	at	at	ADP
ajfa-1507	543	11	depository	depository	ADJ
ajfa-1507	543	12	financial	financial	ADJ
ajfa-1507	543	13	institutions	institution	NOUN
ajfa-1507	543	14	.	.	PUNCT
ajfa-1507	544	1	journal	journal	PROPN
ajfa-1507	544	2	of	of	ADP
ajfa-1507	544	3	finance	finance	NOUN
ajfa-1507	544	4	,	,	PUNCT
ajfa-1507	544	5	34	34	NUM
ajfa-1507	544	6	,	,	PUNCT
ajfa-1507	544	7	1251	1251	NUM
ajfa-1507	544	8	-	-	SYM
ajfa-1507	544	9	1266	1266	NUM
ajfa-1507	544	10	.	.	PUNCT
ajfa-1507	545	1	http://dx.doi.org/10.2307/2326527	http://dx.doi.org/10.2307/2326527	PROPN
ajfa-1507	545	2	simar	simar	PROPN
ajfa-1507	545	3	,	,	PUNCT
ajfa-1507	545	4	l.	l.	PROPN
ajfa-1507	545	5	,	,	PUNCT
ajfa-1507	545	6	&	&	CCONJ
ajfa-1507	545	7	p.w	p.w	PROPN
ajfa-1507	545	8	.	.	PROPN
ajfa-1507	545	9	wilson	wilson	PROPN
ajfa-1507	545	10	.	.	PUNCT
ajfa-1507	546	1	(	(	PUNCT
ajfa-1507	546	2	2007	2007	NUM
ajfa-1507	546	3	)	)	PUNCT
ajfa-1507	546	4	.	.	PUNCT
ajfa-1507	547	1	estimation	estimation	NOUN
ajfa-1507	547	2	and	and	CCONJ
ajfa-1507	547	3	inference	inference	NOUN
ajfa-1507	547	4	in	in	ADP
ajfa-1507	547	5	two	two	NUM
ajfa-1507	547	6	-	-	PUNCT
ajfa-1507	547	7	stage	stage	NOUN
ajfa-1507	547	8	,	,	PUNCT
ajfa-1507	547	9	semiparametric	semiparametric	NOUN
ajfa-1507	547	10	models	model	NOUN
ajfa-1507	547	11	of	of	ADP
ajfa-1507	547	12	production	production	NOUN
ajfa-1507	547	13	processes	process	NOUN
ajfa-1507	547	14	.	.	PUNCT
ajfa-1507	548	1	journal	journal	PROPN
ajfa-1507	548	2	of	of	ADP
ajfa-1507	548	3	econometrics	econometric	NOUN
ajfa-1507	548	4	,	,	PUNCT
ajfa-1507	548	5	136	136	NUM
ajfa-1507	548	6	,	,	PUNCT
ajfa-1507	548	7	31	31	NUM
ajfa-1507	548	8	-	-	SYM
ajfa-1507	548	9	64	64	NUM
ajfa-1507	548	10	.	.	PUNCT
ajfa-1507	549	1	http://dx.doi.org/10.1016/j.jeconom.2005.07.009	http://dx.doi.org/10.1016/j.jeconom.2005.07.009	PROPN
ajfa-1507	549	2	spong	spong	PROPN
ajfa-1507	549	3	,	,	PUNCT
ajfa-1507	549	4	kenneth	kenneth	PROPN
ajfa-1507	549	5	.	.	PUNCT
ajfa-1507	550	1	(	(	PUNCT
ajfa-1507	550	2	2000	2000	NUM
ajfa-1507	550	3	)	)	PUNCT
ajfa-1507	550	4	.	.	PUNCT
ajfa-1507	551	1	banking	banking	NOUN
ajfa-1507	551	2	regulation	regulation	NOUN
ajfa-1507	551	3	:	:	PUNCT
ajfa-1507	551	4	its	its	PRON
ajfa-1507	551	5	purposes	purpose	NOUN
ajfa-1507	551	6	,	,	PUNCT
ajfa-1507	551	7	implementation	implementation	NOUN
ajfa-1507	551	8	,	,	PUNCT
ajfa-1507	551	9	and	and	CCONJ
ajfa-1507	551	10	effects	effect	NOUN
ajfa-1507	551	11	.	.	PUNCT
ajfa-1507	552	1	federal	federal	PROPN
ajfa-1507	552	2	reserve	reserve	PROPN
ajfa-1507	552	3	bank	bank	PROPN
ajfa-1507	552	4	of	of	ADP
ajfa-1507	552	5	kansas	kansas	PROPN
ajfa-1507	552	6	city	city	PROPN
ajfa-1507	552	7	,	,	PUNCT
ajfa-1507	552	8	kansas	kansas	PROPN
ajfa-1507	552	9	city	city	PROPN
ajfa-1507	552	10	:	:	PUNCT
ajfa-1507	552	11	mo	mo	PROPN
ajfa-1507	552	12	.	.	PROPN
ajfa-1507	552	13	stavarek	stavarek	PROPN
ajfa-1507	552	14	,	,	PUNCT
ajfa-1507	552	15	d.	d.	PROPN
ajfa-1507	552	16	(	(	PUNCT
ajfa-1507	552	17	2004	2004	NUM
ajfa-1507	552	18	)	)	PUNCT
ajfa-1507	552	19	.	.	PUNCT
ajfa-1507	553	1	banking	banking	NOUN
ajfa-1507	553	2	efficiency	efficiency	NOUN
ajfa-1507	553	3	in	in	ADP
ajfa-1507	553	4	visegrad	visegrad	ADJ
ajfa-1507	553	5	countries	country	NOUN
ajfa-1507	553	6	before	before	ADP
ajfa-1507	553	7	joining	join	VERB
ajfa-1507	553	8	the	the	DET
ajfa-1507	553	9	european	european	PROPN
ajfa-1507	553	10	union	union	PROPN
ajfa-1507	553	11	.	.	PUNCT
ajfa-1507	554	1	european	european	PROPN
ajfa-1507	554	2	review	review	PROPN
ajfa-1507	554	3	of	of	ADP
ajfa-1507	554	4	economics	economic	NOUN
ajfa-1507	554	5	and	and	CCONJ
ajfa-1507	554	6	finance	finance	NOUN
ajfa-1507	554	7	,	,	PUNCT
ajfa-1507	554	8	3	3	NUM
ajfa-1507	554	9	,	,	PUNCT
ajfa-1507	554	10	129	129	NUM
ajfa-1507	554	11	-	-	SYM
ajfa-1507	554	12	167	167	NUM
ajfa-1507	554	13	.	.	PUNCT
ajfa-1507	555	1	stiglitz	stiglitz	PROPN
ajfa-1507	555	2	,	,	PUNCT
ajfa-1507	555	3	j.e	j.e	PROPN
ajfa-1507	555	4	.	.	PROPN
ajfa-1507	555	5	(	(	PUNCT
ajfa-1507	555	6	1994	1994	NUM
ajfa-1507	555	7	)	)	PUNCT
ajfa-1507	555	8	.	.	PUNCT
ajfa-1507	556	1	the	the	DET
ajfa-1507	556	2	role	role	NOUN
ajfa-1507	556	3	of	of	ADP
ajfa-1507	556	4	the	the	DET
ajfa-1507	556	5	statein	statein	ADJ
ajfa-1507	556	6	financial	financial	ADJ
ajfa-1507	556	7	markets	market	NOUN
ajfa-1507	556	8	.	.	PUNCT
ajfa-1507	557	1	proceedings	proceeding	NOUN
ajfa-1507	557	2	of	of	ADP
ajfa-1507	557	3	the	the	DET
ajfa-1507	557	4	world	world	PROPN
ajfa-1507	557	5	bank	bank	PROPN
ajfa-1507	557	6	annual	annual	ADJ
ajfa-1507	557	7	conference	conference	NOUN
ajfa-1507	557	8	on	on	ADP
ajfa-1507	557	9	development	development	NOUN
ajfa-1507	557	10	economics	economic	NOUN
ajfa-1507	557	11	,	,	PUNCT
ajfa-1507	557	12	the	the	DET
ajfa-1507	557	13	world	world	PROPN
ajfa-1507	557	14	bank	bank	PROPN
ajfa-1507	557	15	,	,	PUNCT
ajfa-1507	557	16	19	19	NUM
ajfa-1507	557	17	-	-	SYM
ajfa-1507	557	18	52	52	NUM
ajfa-1507	557	19	.	.	PUNCT
ajfa-1507	558	1	vanhoose	vanhoose	PROPN
ajfa-1507	558	2	,	,	PUNCT
ajfa-1507	558	3	d.	d.	PROPN
ajfa-1507	558	4	(	(	PUNCT
ajfa-1507	558	5	2007	2007	NUM
ajfa-1507	558	6	)	)	PUNCT
ajfa-1507	558	7	.	.	PUNCT
ajfa-1507	559	1	theories	theory	NOUN
ajfa-1507	559	2	of	of	ADP
ajfa-1507	559	3	bank	bank	NOUN
ajfa-1507	559	4	behaviour	behaviour	NOUN
ajfa-1507	559	5	under	under	ADP
ajfa-1507	559	6	capital	capital	NOUN
ajfa-1507	559	7	regulation	regulation	NOUN
ajfa-1507	559	8	.	.	PUNCT
ajfa-1507	560	1	journal	journal	NOUN
ajfa-1507	560	2	of	of	ADP
ajfa-1507	560	3	banking	banking	NOUN
ajfa-1507	560	4	and	and	CCONJ
ajfa-1507	560	5	finance	finance	NOUN
ajfa-1507	560	6	,	,	PUNCT
ajfa-1507	560	7	31	31	NUM
ajfa-1507	560	8	,	,	PUNCT
ajfa-1507	560	9	3680	3680	NUM
ajfa-1507	560	10	-	-	SYM
ajfa-1507	560	11	3697	3697	NUM
ajfa-1507	560	12	.	.	PUNCT
ajfa-1507	561	1	http://dx.doi.org/10.1016/j.jbankfin.2007.01.015	http://dx.doi.org/10.1016/j.jbankfin.2007.01.015	PROPN
ajfa-1507	561	2	yildirim	yildirim	PROPN
ajfa-1507	561	3	,	,	PUNCT
ajfa-1507	561	4	h.s	h.s	PROPN
ajfa-1507	561	5	.	.	PROPN
ajfa-1507	561	6	,	,	PUNCT
ajfa-1507	561	7	&	&	CCONJ
ajfa-1507	561	8	g.c	g.c	PROPN
ajfa-1507	561	9	.	.	PROPN
ajfa-1507	561	10	philippatos	philippatos	PROPN
ajfa-1507	561	11	,	,	PUNCT
ajfa-1507	561	12	(	(	PUNCT
ajfa-1507	561	13	2007	2007	NUM
ajfa-1507	561	14	)	)	PUNCT
ajfa-1507	561	15	.	.	PUNCT
ajfa-1507	562	1	efficiency	efficiency	NOUN
ajfa-1507	562	2	of	of	ADP
ajfa-1507	562	3	banks	bank	NOUN
ajfa-1507	562	4	:	:	PUNCT
ajfa-1507	562	5	recent	recent	ADJ
ajfa-1507	562	6	evidence	evidence	NOUN
ajfa-1507	562	7	from	from	ADP
ajfa-1507	562	8	the	the	DET
ajfa-1507	562	9	transition	transition	NOUN
ajfa-1507	562	10	economies	economy	NOUN
ajfa-1507	562	11	of	of	ADP
ajfa-1507	562	12	europe	europe	PROPN
ajfa-1507	562	13	(	(	PUNCT
ajfa-1507	562	14	1993	1993	NUM
ajfa-1507	562	15	-	-	SYM
ajfa-1507	562	16	2000	2000	NUM
ajfa-1507	562	17	)	)	PUNCT
ajfa-1507	562	18	.	.	PUNCT
ajfa-1507	563	1	european	european	PROPN
ajfa-1507	563	2	journal	journal	PROPN
ajfa-1507	563	3	of	of	ADP
ajfa-1507	563	4	finance,13	finance,13	PROPN
ajfa-1507	563	5	,	,	PUNCT
ajfa-1507	563	6	123	123	NUM
ajfa-1507	563	7	-	-	SYM
ajfa-1507	563	8	143	143	NUM
ajfa-1507	563	9	.	.	PUNCT
ajfa-1507	564	1	http://dx.doi.org/10.1080/13518470600763687	http://dx.doi.org/10.1080/13518470600763687	ADJ
ajfa-1507	564	2	asian	asian	ADJ
ajfa-1507	564	3	journal	journal	PROPN
ajfa-1507	564	4	of	of	ADP
ajfa-1507	564	5	finance	finance	PROPN
ajfa-1507	564	6	&	&	CCONJ
ajfa-1507	564	7	accounting	accounting	PROPN
ajfa-1507	564	8	issn	issn	PROPN
ajfa-1507	564	9	1946	1946	NUM
ajfa-1507	564	10	-	-	PUNCT
ajfa-1507	564	11	052x	052x	NOUN
ajfa-1507	564	12	2012	2012	NUM
ajfa-1507	564	13	,	,	PUNCT
ajfa-1507	564	14	vol	vol	NOUN
ajfa-1507	564	15	.	.	PROPN
ajfa-1507	564	16	4	4	NUM
ajfa-1507	564	17	,	,	PUNCT
ajfa-1507	564	18	no	no	INTJ
ajfa-1507	564	19	.	.	NOUN
ajfa-1507	564	20	1	1	NUM
ajfa-1507	564	21	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-1507	564	22	242	242	NUM
ajfa-1507	564	23	appendix	appendix	NOUN
ajfa-1507	564	24	1	1	NUM
ajfa-1507	564	25	.	.	PUNCT
ajfa-1507	564	26	information	information	NOUN
ajfa-1507	564	27	on	on	ADP
ajfa-1507	564	28	regulatory	regulatory	ADJ
ajfa-1507	564	29	,	,	PUNCT
ajfa-1507	564	30	bank	bank	NOUN
ajfa-1507	564	31	specific	specific	PROPN
ajfa-1507	564	32	&	&	CCONJ
ajfa-1507	564	33	country	country	PROPN
ajfa-1507	564	34	specific	specific	ADJ
ajfa-1507	564	35	variables	variable	NOUN
ajfa-1507	564	36	variable	variable	ADJ
ajfa-1507	564	37	category	category	NOUN
ajfa-1507	564	38	description	description	NOUN
ajfa-1507	564	39	source	source	NOUN
ajfa-1507	564	40	/	/	SYM
ajfa-1507	564	41	database	database	NOUN
ajfa-1507	564	42	regulatory	regulatory	ADJ
ajfa-1507	564	43	variables	variable	NOUN
ajfa-1507	564	44	spower	spower	ADV
ajfa-1507	564	45	supervisory	supervisory	ADJ
ajfa-1507	564	46	power	power	NOUN
ajfa-1507	564	47	this	this	DET
ajfa-1507	564	48	variable	variable	NOUN
ajfa-1507	564	49	is	be	AUX
ajfa-1507	564	50	determined	determine	VERB
ajfa-1507	564	51	by	by	ADP
ajfa-1507	564	52	adding	add	VERB
ajfa-1507	564	53	1	1	NUM
ajfa-1507	564	54	if	if	SCONJ
ajfa-1507	564	55	the	the	DET
ajfa-1507	564	56	answer	answer	NOUN
ajfa-1507	564	57	is	be	AUX
ajfa-1507	564	58	yes	yes	INTJ
ajfa-1507	564	59	and	and	CCONJ
ajfa-1507	564	60	0	0	NUM
ajfa-1507	564	61	otherwise	otherwise	ADV
ajfa-1507	564	62	,	,	PUNCT
ajfa-1507	564	63	for	for	ADP
ajfa-1507	564	64	each	each	DET
ajfa-1507	564	65	one	one	NUM
ajfa-1507	564	66	of	of	ADP
ajfa-1507	564	67	the	the	DET
ajfa-1507	564	68	following	follow	VERB
ajfa-1507	564	69	fourteen	fourteen	NUM
ajfa-1507	564	70	questions	question	NOUN
ajfa-1507	564	71	:	:	PUNCT
ajfa-1507	564	72	(	(	PUNCT
ajfa-1507	564	73	1	1	X
ajfa-1507	564	74	)	)	PUNCT
ajfa-1507	564	75	does	do	AUX
ajfa-1507	564	76	the	the	DET
ajfa-1507	564	77	supervisory	supervisory	ADJ
ajfa-1507	564	78	agency	agency	NOUN
ajfa-1507	564	79	have	have	VERB
ajfa-1507	564	80	the	the	DET
ajfa-1507	564	81	right	right	NOUN
ajfa-1507	564	82	to	to	PART
ajfa-1507	564	83	meet	meet	VERB
ajfa-1507	564	84	with	with	ADP
ajfa-1507	564	85	external	external	ADJ
ajfa-1507	564	86	auditors	auditor	NOUN
ajfa-1507	564	87	to	to	PART
ajfa-1507	564	88	discuss	discuss	VERB
ajfa-1507	564	89	their	their	PRON
ajfa-1507	564	90	report	report	NOUN
ajfa-1507	564	91	without	without	ADP
ajfa-1507	564	92	the	the	DET
ajfa-1507	564	93	approval	approval	NOUN
ajfa-1507	564	94	of	of	ADP
ajfa-1507	564	95	the	the	DET
ajfa-1507	564	96	bank	bank	NOUN
ajfa-1507	564	97	?	?	PUNCT
ajfa-1507	565	1	(	(	PUNCT
ajfa-1507	565	2	2	2	X
ajfa-1507	565	3	)	)	PUNCT
ajfa-1507	565	4	are	be	AUX
ajfa-1507	565	5	auditors	auditor	NOUN
ajfa-1507	565	6	required	require	VERB
ajfa-1507	565	7	by	by	ADP
ajfa-1507	565	8	law	law	NOUN
ajfa-1507	565	9	to	to	PART
ajfa-1507	565	10	communicate	communicate	VERB
ajfa-1507	565	11	directly	directly	ADV
ajfa-1507	565	12	to	to	ADP
ajfa-1507	565	13	the	the	DET
ajfa-1507	565	14	supervisory	supervisory	ADJ
ajfa-1507	565	15	agency	agency	NOUN
ajfa-1507	565	16	any	any	DET
ajfa-1507	565	17	presumed	presume	VERB
ajfa-1507	565	18	involvement	involvement	NOUN
ajfa-1507	565	19	of	of	ADP
ajfa-1507	565	20	bank	bank	NOUN
ajfa-1507	565	21	directors	director	NOUN
ajfa-1507	565	22	or	or	CCONJ
ajfa-1507	565	23	senior	senior	ADJ
ajfa-1507	565	24	managers	manager	NOUN
ajfa-1507	565	25	in	in	ADP
ajfa-1507	565	26	illicit	illicit	ADJ
ajfa-1507	565	27	activities	activity	NOUN
ajfa-1507	565	28	,	,	PUNCT
ajfa-1507	565	29	fraud	fraud	NOUN
ajfa-1507	565	30	,	,	PUNCT
ajfa-1507	565	31	or	or	CCONJ
ajfa-1507	565	32	insider	insider	NOUN
ajfa-1507	565	33	abuse	abuse	NOUN
ajfa-1507	565	34	?	?	PUNCT
ajfa-1507	566	1	(	(	PUNCT
ajfa-1507	566	2	3	3	X
ajfa-1507	566	3	)	)	PUNCT
ajfa-1507	566	4	can	can	AUX
ajfa-1507	566	5	supervisors	supervisor	NOUN
ajfa-1507	566	6	take	take	VERB
ajfa-1507	566	7	legal	legal	ADJ
ajfa-1507	566	8	action	action	NOUN
ajfa-1507	566	9	against	against	ADP
ajfa-1507	566	10	external	external	ADJ
ajfa-1507	566	11	auditors	auditor	NOUN
ajfa-1507	566	12	for	for	ADP
ajfa-1507	566	13	negligence	negligence	NOUN
ajfa-1507	566	14	?	?	PUNCT
ajfa-1507	567	1	(	(	PUNCT
ajfa-1507	567	2	4	4	X
ajfa-1507	567	3	)	)	PUNCT
ajfa-1507	567	4	can	can	AUX
ajfa-1507	567	5	the	the	DET
ajfa-1507	567	6	supervisory	supervisory	ADJ
ajfa-1507	567	7	authorities	authority	NOUN
ajfa-1507	567	8	force	force	VERB
ajfa-1507	567	9	a	a	DET
ajfa-1507	567	10	bank	bank	NOUN
ajfa-1507	567	11	to	to	PART
ajfa-1507	567	12	change	change	VERB
ajfa-1507	567	13	its	its	PRON
ajfa-1507	567	14	internal	internal	ADJ
ajfa-1507	567	15	organizational	organizational	ADJ
ajfa-1507	567	16	structure	structure	NOUN
ajfa-1507	567	17	?	?	PUNCT
ajfa-1507	568	1	(	(	PUNCT
ajfa-1507	568	2	5	5	X
ajfa-1507	568	3	)	)	PUNCT
ajfa-1507	568	4	are	be	AUX
ajfa-1507	568	5	off	off	ADP
ajfa-1507	568	6	-	-	PUNCT
ajfa-1507	568	7	balance	balance	NOUN
ajfa-1507	568	8	sheet	sheet	NOUN
ajfa-1507	568	9	items	item	NOUN
ajfa-1507	568	10	disclosed	disclose	VERB
ajfa-1507	568	11	to	to	ADP
ajfa-1507	568	12	supervisors	supervisor	NOUN
ajfa-1507	568	13	?	?	PUNCT
ajfa-1507	569	1	(	(	PUNCT
ajfa-1507	569	2	6	6	X
ajfa-1507	569	3	)	)	PUNCT
ajfa-1507	569	4	can	can	AUX
ajfa-1507	569	5	the	the	DET
ajfa-1507	569	6	supervisory	supervisory	ADJ
ajfa-1507	569	7	agency	agency	NOUN
ajfa-1507	569	8	order	order	NOUN
ajfa-1507	569	9	the	the	DET
ajfa-1507	569	10	bank	bank	NOUN
ajfa-1507	569	11	's	's	PART
ajfa-1507	569	12	directors	director	NOUN
ajfa-1507	569	13	or	or	CCONJ
ajfa-1507	569	14	management	management	NOUN
ajfa-1507	569	15	to	to	PART
ajfa-1507	569	16	constitute	constitute	VERB
ajfa-1507	569	17	provisions	provision	NOUN
ajfa-1507	569	18	to	to	PART
ajfa-1507	569	19	cover	cover	VERB
ajfa-1507	569	20	actual	actual	ADJ
ajfa-1507	569	21	or	or	CCONJ
ajfa-1507	569	22	potential	potential	ADJ
ajfa-1507	569	23	losses	loss	NOUN
ajfa-1507	569	24	?	?	PUNCT
ajfa-1507	570	1	(	(	PUNCT
ajfa-1507	570	2	7	7	X
ajfa-1507	570	3	)	)	PUNCT
ajfa-1507	570	4	can	can	AUX
ajfa-1507	570	5	the	the	DET
ajfa-1507	570	6	supervisory	supervisory	ADJ
ajfa-1507	570	7	agency	agency	NOUN
ajfa-1507	570	8	suspend	suspend	PROPN
ajfa-1507	570	9	director	director	NOUN
ajfa-1507	570	10	’s	’s	PART
ajfa-1507	570	11	decision	decision	NOUN
ajfa-1507	570	12	to	to	PART
ajfa-1507	570	13	distribute	distribute	VERB
ajfa-1507	570	14	dividends	dividend	NOUN
ajfa-1507	570	15	?	?	PUNCT
ajfa-1507	571	1	(	(	PUNCT
ajfa-1507	571	2	8)	8)	NUM
ajfa-1507	571	3	can	can	AUX
ajfa-1507	571	4	the	the	DET
ajfa-1507	571	5	supervisory	supervisory	ADJ
ajfa-1507	571	6	agency	agency	NOUN
ajfa-1507	571	7	suspend	suspend	PROPN
ajfa-1507	571	8	director	director	NOUN
ajfa-1507	571	9	’s	’s	PART
ajfa-1507	571	10	decision	decision	NOUN
ajfa-1507	571	11	to	to	PART
ajfa-1507	571	12	distribute	distribute	VERB
ajfa-1507	571	13	bonuses	bonus	NOUN
ajfa-1507	571	14	?	?	PUNCT
ajfa-1507	572	1	(	(	PUNCT
ajfa-1507	572	2	9	9	X
ajfa-1507	572	3	)	)	PUNCT
ajfa-1507	572	4	can	can	AUX
ajfa-1507	572	5	the	the	DET
ajfa-1507	572	6	supervisory	supervisory	ADJ
ajfa-1507	572	7	agency	agency	NOUN
ajfa-1507	572	8	suspend	suspend	PROPN
ajfa-1507	572	9	director	director	NOUN
ajfa-1507	572	10	’s	’s	PART
ajfa-1507	572	11	decision	decision	NOUN
ajfa-1507	572	12	to	to	PART
ajfa-1507	572	13	distribute	distribute	VERB
ajfa-1507	572	14	management	management	NOUN
ajfa-1507	572	15	fees	fee	NOUN
ajfa-1507	572	16	?	?	PUNCT
ajfa-1507	573	1	(	(	PUNCT
ajfa-1507	573	2	10	10	NUM
ajfa-1507	573	3	)	)	PUNCT
ajfa-1507	573	4	can	can	AUX
ajfa-1507	573	5	the	the	DET
ajfa-1507	573	6	supervisory	supervisory	ADJ
ajfa-1507	573	7	agency	agency	NOUN
ajfa-1507	573	8	supersede	supersede	VERB
ajfa-1507	573	9	bank	bank	NOUN
ajfa-1507	573	10	shareholder	shareholder	NOUN
ajfa-1507	573	11	rights	right	NOUN
ajfa-1507	573	12	and	and	CCONJ
ajfa-1507	573	13	declare	declare	VERB
ajfa-1507	573	14	bank	bank	NOUN
ajfa-1507	573	15	insolvent	insolvent	ADJ
ajfa-1507	573	16	?	?	PUNCT
ajfa-1507	574	1	(	(	PUNCT
ajfa-1507	574	2	11	11	NUM
ajfa-1507	574	3	)	)	PUNCT
ajfa-1507	574	4	does	do	AUX
ajfa-1507	574	5	banking	banking	NOUN
ajfa-1507	574	6	law	law	NOUN
ajfa-1507	574	7	allow	allow	VERB
ajfa-1507	574	8	supervisory	supervisory	ADJ
ajfa-1507	574	9	agency	agency	NOUN
ajfa-1507	574	10	or	or	CCONJ
ajfa-1507	574	11	any	any	DET
ajfa-1507	574	12	other	other	ADJ
ajfa-1507	574	13	government	government	NOUN
ajfa-1507	574	14	agency	agency	NOUN
ajfa-1507	574	15	(	(	PUNCT
ajfa-1507	574	16	other	other	ADJ
ajfa-1507	574	17	than	than	ADP
ajfa-1507	574	18	court	court	NOUN
ajfa-1507	574	19	)	)	PUNCT
ajfa-1507	574	20	to	to	PART
ajfa-1507	574	21	suspend	suspend	VERB
ajfa-1507	574	22	some	some	DET
ajfa-1507	574	23	or	or	CCONJ
ajfa-1507	574	24	all	all	PRON
ajfa-1507	574	25	ownership	ownership	NOUN
ajfa-1507	574	26	rights	right	NOUN
ajfa-1507	574	27	of	of	ADP
ajfa-1507	574	28	a	a	DET
ajfa-1507	574	29	problem	problem	NOUN
ajfa-1507	574	30	bank	bank	NOUN
ajfa-1507	574	31	?	?	PUNCT
ajfa-1507	575	1	(	(	PUNCT
ajfa-1507	575	2	12	12	NUM
ajfa-1507	575	3	)	)	PUNCT
ajfa-1507	575	4	regarding	regard	VERB
ajfa-1507	575	5	bank	bank	NOUN
ajfa-1507	575	6	restructuring	restructuring	NOUN
ajfa-1507	575	7	and	and	CCONJ
ajfa-1507	575	8	reorganization	reorganization	NOUN
ajfa-1507	575	9	,	,	PUNCT
ajfa-1507	575	10	can	can	AUX
ajfa-1507	575	11	the	the	DET
ajfa-1507	575	12	supervisory	supervisory	ADJ
ajfa-1507	575	13	agency	agency	NOUN
ajfa-1507	575	14	or	or	CCONJ
ajfa-1507	575	15	any	any	DET
ajfa-1507	575	16	other	other	ADJ
ajfa-1507	575	17	government	government	NOUN
ajfa-1507	575	18	agency	agency	NOUN
ajfa-1507	575	19	(	(	PUNCT
ajfa-1507	575	20	other	other	ADJ
ajfa-1507	575	21	than	than	ADP
ajfa-1507	575	22	court	court	NOUN
ajfa-1507	575	23	)	)	PUNCT
ajfa-1507	575	24	supersede	supersede	VERB
ajfa-1507	575	25	shareholder	shareholder	NOUN
ajfa-1507	575	26	rights	right	NOUN
ajfa-1507	575	27	?	?	PUNCT
ajfa-1507	576	1	(	(	PUNCT
ajfa-1507	576	2	13	13	NUM
ajfa-1507	576	3	)	)	PUNCT
ajfa-1507	576	4	regarding	regard	VERB
ajfa-1507	576	5	bank	bank	NOUN
ajfa-1507	576	6	restructuring	restructuring	NOUN
ajfa-1507	576	7	&	&	CCONJ
ajfa-1507	576	8	reorganization	reorganization	NOUN
ajfa-1507	576	9	,	,	PUNCT
ajfa-1507	576	10	can	can	AUX
ajfa-1507	576	11	supervisory	supervisory	ADJ
ajfa-1507	576	12	agency	agency	NOUN
ajfa-1507	576	13	or	or	CCONJ
ajfa-1507	576	14	any	any	DET
ajfa-1507	576	15	other	other	ADJ
ajfa-1507	576	16	government	government	NOUN
ajfa-1507	576	17	agency	agency	NOUN
ajfa-1507	576	18	(	(	PUNCT
ajfa-1507	576	19	other	other	ADJ
ajfa-1507	576	20	than	than	ADP
ajfa-1507	576	21	court	court	NOUN
ajfa-1507	576	22	)	)	PUNCT
ajfa-1507	576	23	remove	remove	VERB
ajfa-1507	576	24	and	and	CCONJ
ajfa-1507	576	25	replace	replace	VERB
ajfa-1507	576	26	management	management	NOUN
ajfa-1507	576	27	?	?	PUNCT
ajfa-1507	577	1	(	(	PUNCT
ajfa-1507	577	2	14	14	NUM
ajfa-1507	577	3	)	)	PUNCT
ajfa-1507	577	4	regarding	regard	VERB
ajfa-1507	577	5	bank	bank	NOUN
ajfa-1507	577	6	restructuring	restructuring	NOUN
ajfa-1507	577	7	&	&	CCONJ
ajfa-1507	577	8	reorganization	reorganization	NOUN
ajfa-1507	577	9	,	,	PUNCT
ajfa-1507	577	10	can	can	AUX
ajfa-1507	577	11	supervisory	supervisory	ADJ
ajfa-1507	577	12	agency	agency	NOUN
ajfa-1507	577	13	or	or	CCONJ
ajfa-1507	577	14	any	any	DET
ajfa-1507	577	15	other	other	ADJ
ajfa-1507	577	16	government	government	NOUN
ajfa-1507	577	17	agency	agency	NOUN
ajfa-1507	577	18	(	(	PUNCT
ajfa-1507	577	19	other	other	ADJ
ajfa-1507	577	20	than	than	ADP
ajfa-1507	577	21	court	court	NOUN
ajfa-1507	577	22	)	)	PUNCT
ajfa-1507	577	23	remove	remove	VERB
ajfa-1507	577	24	and	and	CCONJ
ajfa-1507	577	25	replace	replace	VERB
ajfa-1507	577	26	directors	director	NOUN
ajfa-1507	577	27	?	?	PUNCT
ajfa-1507	578	1	wb	wb	PROPN
ajfa-1507	578	2	(	(	PUNCT
ajfa-1507	578	3	barth	barth	NOUN
ajfa-1507	578	4	et	et	PROPN
ajfa-1507	578	5	al	al	PROPN
ajfa-1507	578	6	.	.	PROPN
ajfa-1507	578	7	,	,	PUNCT
ajfa-1507	578	8	2001	2001	NUM
ajfa-1507	578	9	,	,	PUNCT
ajfa-1507	578	10	2004	2004	NUM
ajfa-1507	578	11	,	,	PUNCT
ajfa-1507	578	12	2006	2006	NUM
ajfa-1507	578	13	)	)	PUNCT
ajfa-1507	578	14	caprq	caprq	NOUN
ajfa-1507	578	15	capital	capital	NOUN
ajfa-1507	578	16	requirements	requirement	NOUN
ajfa-1507	578	17	this	this	DET
ajfa-1507	578	18	variable	variable	NOUN
ajfa-1507	578	19	is	be	AUX
ajfa-1507	578	20	determined	determine	VERB
ajfa-1507	578	21	by	by	ADP
ajfa-1507	578	22	adding	add	VERB
ajfa-1507	578	23	1	1	NUM
ajfa-1507	578	24	if	if	SCONJ
ajfa-1507	578	25	the	the	DET
ajfa-1507	578	26	answer	answer	NOUN
ajfa-1507	578	27	is	be	AUX
ajfa-1507	578	28	yes	yes	INTJ
ajfa-1507	578	29	to	to	ADP
ajfa-1507	578	30	questions	question	NOUN
ajfa-1507	578	31	1	1	NUM
ajfa-1507	578	32	-	-	SYM
ajfa-1507	578	33	6	6	NUM
ajfa-1507	578	34	and	and	CCONJ
ajfa-1507	578	35	0	0	NUM
ajfa-1507	578	36	otherwise	otherwise	ADV
ajfa-1507	578	37	,	,	PUNCT
ajfa-1507	578	38	while	while	SCONJ
ajfa-1507	578	39	the	the	DET
ajfa-1507	578	40	opposite	opposite	NOUN
ajfa-1507	578	41	occurs	occur	VERB
ajfa-1507	578	42	in	in	ADP
ajfa-1507	578	43	the	the	DET
ajfa-1507	578	44	case	case	NOUN
ajfa-1507	578	45	of	of	ADP
ajfa-1507	578	46	questions	question	NOUN
ajfa-1507	578	47	7	7	NUM
ajfa-1507	578	48	and	and	CCONJ
ajfa-1507	578	49	8	8	NUM
ajfa-1507	578	50	(	(	PUNCT
ajfa-1507	578	51	i.e.	i.e.	X
ajfa-1507	578	52	yes=0	yes=0	X
ajfa-1507	578	53	,	,	PUNCT
ajfa-1507	578	54	no	no	DET
ajfa-1507	578	55	=	=	NOUN
ajfa-1507	578	56	1	1	NUM
ajfa-1507	578	57	)	)	PUNCT
ajfa-1507	578	58	.	.	PUNCT
ajfa-1507	579	1	(	(	PUNCT
ajfa-1507	579	2	1	1	X
ajfa-1507	579	3	)	)	PUNCT
ajfa-1507	579	4	is	be	AUX
ajfa-1507	579	5	the	the	DET
ajfa-1507	579	6	minimum	minimum	ADJ
ajfa-1507	579	7	required	require	VERB
ajfa-1507	579	8	capital	capital	NOUN
ajfa-1507	579	9	asset	asset	NOUN
ajfa-1507	579	10	ratio	ratio	NOUN
ajfa-1507	579	11	risk	risk	NOUN
ajfa-1507	579	12	-	-	PUNCT
ajfa-1507	579	13	weighted	weight	VERB
ajfa-1507	579	14	in	in	ADP
ajfa-1507	579	15	line	line	NOUN
ajfa-1507	579	16	with	with	ADP
ajfa-1507	579	17	basle	basle	PROPN
ajfa-1507	579	18	guidelines	guideline	NOUN
ajfa-1507	579	19	?	?	PUNCT
ajfa-1507	580	1	(	(	PUNCT
ajfa-1507	580	2	2	2	X
ajfa-1507	580	3	)	)	PUNCT
ajfa-1507	580	4	does	do	AUX
ajfa-1507	580	5	the	the	DET
ajfa-1507	580	6	ratio	ratio	NOUN
ajfa-1507	580	7	vary	vary	VERB
ajfa-1507	580	8	with	with	ADP
ajfa-1507	580	9	market	market	NOUN
ajfa-1507	580	10	risk	risk	NOUN
ajfa-1507	580	11	?	?	PUNCT
ajfa-1507	581	1	(	(	PUNCT
ajfa-1507	581	2	3	3	NUM
ajfa-1507	581	3	-	-	SYM
ajfa-1507	581	4	5	5	NUM
ajfa-1507	581	5	)	)	PUNCT
ajfa-1507	581	6	before	before	SCONJ
ajfa-1507	581	7	minimum	minimum	ADJ
ajfa-1507	581	8	capital	capital	NOUN
ajfa-1507	581	9	adequacy	adequacy	NOUN
ajfa-1507	581	10	is	be	AUX
ajfa-1507	581	11	determined	determine	VERB
ajfa-1507	581	12	,	,	PUNCT
ajfa-1507	581	13	which	which	PRON
ajfa-1507	581	14	of	of	ADP
ajfa-1507	581	15	the	the	DET
ajfa-1507	581	16	following	following	NOUN
ajfa-1507	581	17	are	be	AUX
ajfa-1507	581	18	deducted	deduct	VERB
ajfa-1507	581	19	from	from	ADP
ajfa-1507	581	20	the	the	DET
ajfa-1507	581	21	wb	wb	PROPN
ajfa-1507	581	22	(	(	PUNCT
ajfa-1507	581	23	barth	barth	NOUN
ajfa-1507	581	24	et	et	PROPN
ajfa-1507	581	25	al	al	PROPN
ajfa-1507	581	26	.	.	PROPN
ajfa-1507	581	27	,	,	PUNCT
ajfa-1507	581	28	2001	2001	NUM
ajfa-1507	581	29	,	,	PUNCT
ajfa-1507	581	30	2004	2004	NUM
ajfa-1507	581	31	,	,	PUNCT
ajfa-1507	581	32	2006	2006	NUM
ajfa-1507	581	33	)	)	PUNCT
ajfa-1507	581	34	asian	asian	ADJ
ajfa-1507	581	35	journal	journal	NOUN
ajfa-1507	581	36	of	of	ADP
ajfa-1507	581	37	finance	finance	PROPN
ajfa-1507	581	38	&	&	CCONJ
ajfa-1507	581	39	accounting	accounting	PROPN
ajfa-1507	581	40	issn	issn	PROPN
ajfa-1507	581	41	1946	1946	NUM
ajfa-1507	581	42	-	-	PUNCT
ajfa-1507	581	43	052x	052x	NOUN
ajfa-1507	581	44	2012	2012	NUM
ajfa-1507	581	45	,	,	PUNCT
ajfa-1507	581	46	vol	vol	NOUN
ajfa-1507	581	47	.	.	PROPN
ajfa-1507	582	1	4	4	NUM
ajfa-1507	582	2	,	,	PUNCT
ajfa-1507	582	3	no	no	INTJ
ajfa-1507	582	4	.	.	NOUN
ajfa-1507	582	5	1	1	NUM
ajfa-1507	582	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	582	7	243	243	NUM
ajfa-1507	582	8	book	book	NOUN
ajfa-1507	582	9	value	value	NOUN
ajfa-1507	582	10	of	of	ADP
ajfa-1507	582	11	capital	capital	NOUN
ajfa-1507	582	12	:	:	PUNCT
ajfa-1507	582	13	(	(	PUNCT
ajfa-1507	582	14	a	a	X
ajfa-1507	582	15	)	)	PUNCT
ajfa-1507	582	16	market	market	NOUN
ajfa-1507	582	17	value	value	NOUN
ajfa-1507	582	18	of	of	ADP
ajfa-1507	582	19	loan	loan	NOUN
ajfa-1507	582	20	losses	loss	NOUN
ajfa-1507	582	21	not	not	PART
ajfa-1507	582	22	realized	realize	VERB
ajfa-1507	582	23	in	in	ADP
ajfa-1507	582	24	accounting	accounting	NOUN
ajfa-1507	582	25	books	book	NOUN
ajfa-1507	582	26	?	?	PUNCT
ajfa-1507	583	1	(	(	PUNCT
ajfa-1507	583	2	b	b	X
ajfa-1507	583	3	)	)	PUNCT
ajfa-1507	583	4	unrealized	unrealized	ADJ
ajfa-1507	583	5	losses	loss	NOUN
ajfa-1507	583	6	in	in	ADP
ajfa-1507	583	7	securities	security	NOUN
ajfa-1507	583	8	portfolios	portfolio	NOUN
ajfa-1507	583	9	?	?	PUNCT
ajfa-1507	584	1	(	(	PUNCT
ajfa-1507	584	2	c	c	X
ajfa-1507	584	3	)	)	PUNCT
ajfa-1507	584	4	unrealized	unrealized	ADJ
ajfa-1507	584	5	foreign	foreign	ADJ
ajfa-1507	584	6	exchange	exchange	NOUN
ajfa-1507	584	7	losses	loss	NOUN
ajfa-1507	584	8	?	?	PUNCT
ajfa-1507	585	1	(	(	PUNCT
ajfa-1507	585	2	6	6	X
ajfa-1507	585	3	)	)	PUNCT
ajfa-1507	585	4	are	be	AUX
ajfa-1507	585	5	the	the	DET
ajfa-1507	585	6	sources	source	NOUN
ajfa-1507	585	7	of	of	ADP
ajfa-1507	585	8	funds	fund	NOUN
ajfa-1507	585	9	to	to	PART
ajfa-1507	585	10	be	be	AUX
ajfa-1507	585	11	used	use	VERB
ajfa-1507	585	12	as	as	ADP
ajfa-1507	585	13	capital	capital	NOUN
ajfa-1507	585	14	verified	verify	VERB
ajfa-1507	585	15	by	by	ADP
ajfa-1507	585	16	the	the	DET
ajfa-1507	585	17	regulatory	regulatory	ADJ
ajfa-1507	585	18	/	/	SYM
ajfa-1507	585	19	supervisory	supervisory	ADJ
ajfa-1507	585	20	authorities	authority	NOUN
ajfa-1507	585	21	?	?	PUNCT
ajfa-1507	586	1	(	(	PUNCT
ajfa-1507	586	2	7	7	X
ajfa-1507	586	3	)	)	PUNCT
ajfa-1507	586	4	can	can	AUX
ajfa-1507	586	5	the	the	DET
ajfa-1507	586	6	initial	initial	ADJ
ajfa-1507	586	7	or	or	CCONJ
ajfa-1507	586	8	subsequent	subsequent	ADJ
ajfa-1507	586	9	injections	injection	NOUN
ajfa-1507	586	10	of	of	ADP
ajfa-1507	586	11	capital	capital	NOUN
ajfa-1507	586	12	be	be	AUX
ajfa-1507	586	13	done	do	VERB
ajfa-1507	586	14	with	with	ADP
ajfa-1507	586	15	assets	asset	NOUN
ajfa-1507	586	16	other	other	ADJ
ajfa-1507	586	17	than	than	ADP
ajfa-1507	586	18	cash	cash	NOUN
ajfa-1507	586	19	or	or	CCONJ
ajfa-1507	586	20	government	government	NOUN
ajfa-1507	586	21	securities	security	NOUN
ajfa-1507	586	22	?	?	PUNCT
ajfa-1507	587	1	(	(	PUNCT
ajfa-1507	587	2	8)	8)	NUM
ajfa-1507	587	3	can	can	AUX
ajfa-1507	587	4	initial	initial	ADJ
ajfa-1507	587	5	disbursement	disbursement	NOUN
ajfa-1507	587	6	of	of	ADP
ajfa-1507	587	7	capital	capital	NOUN
ajfa-1507	587	8	be	be	AUX
ajfa-1507	587	9	done	do	VERB
ajfa-1507	587	10	with	with	ADP
ajfa-1507	587	11	borrowed	borrow	VERB
ajfa-1507	587	12	funds	fund	NOUN
ajfa-1507	587	13	?	?	PUNCT
ajfa-1507	588	1	prmonit	prmonit	ADJ
ajfa-1507	588	2	private	private	ADJ
ajfa-1507	588	3	monitoring	monitoring	NOUN
ajfa-1507	588	4	this	this	DET
ajfa-1507	588	5	variable	variable	NOUN
ajfa-1507	588	6	is	be	AUX
ajfa-1507	588	7	determined	determine	VERB
ajfa-1507	588	8	by	by	ADP
ajfa-1507	588	9	adding	add	VERB
ajfa-1507	588	10	1	1	NUM
ajfa-1507	588	11	if	if	SCONJ
ajfa-1507	588	12	the	the	DET
ajfa-1507	588	13	answer	answer	NOUN
ajfa-1507	588	14	is	be	AUX
ajfa-1507	588	15	yes	yes	INTJ
ajfa-1507	588	16	to	to	ADP
ajfa-1507	588	17	questions	question	NOUN
ajfa-1507	588	18	1	1	NUM
ajfa-1507	588	19	-	-	SYM
ajfa-1507	588	20	6	6	NUM
ajfa-1507	588	21	and	and	CCONJ
ajfa-1507	588	22	0	0	NUM
ajfa-1507	588	23	otherwise	otherwise	ADV
ajfa-1507	588	24	,	,	PUNCT
ajfa-1507	588	25	while	while	SCONJ
ajfa-1507	588	26	the	the	DET
ajfa-1507	588	27	opposite	opposite	NOUN
ajfa-1507	588	28	occurs	occur	VERB
ajfa-1507	588	29	in	in	ADP
ajfa-1507	588	30	the	the	DET
ajfa-1507	588	31	case	case	NOUN
ajfa-1507	588	32	of	of	ADP
ajfa-1507	588	33	questions	question	NOUN
ajfa-1507	588	34	7	7	NUM
ajfa-1507	588	35	and	and	CCONJ
ajfa-1507	588	36	8	8	NUM
ajfa-1507	588	37	(	(	PUNCT
ajfa-1507	588	38	i.e.	i.e.	X
ajfa-1507	588	39	yes=0	yes=0	X
ajfa-1507	588	40	,	,	PUNCT
ajfa-1507	588	41	no	no	DET
ajfa-1507	588	42	=	=	NOUN
ajfa-1507	588	43	1	1	NUM
ajfa-1507	588	44	)	)	PUNCT
ajfa-1507	588	45	.	.	PUNCT
ajfa-1507	589	1	(	(	PUNCT
ajfa-1507	589	2	1	1	X
ajfa-1507	589	3	)	)	PUNCT
ajfa-1507	589	4	is	be	AUX
ajfa-1507	589	5	subordinated	subordinate	VERB
ajfa-1507	589	6	debt	debt	NOUN
ajfa-1507	589	7	allowable	allowable	ADJ
ajfa-1507	589	8	(	(	PUNCT
ajfa-1507	589	9	or	or	CCONJ
ajfa-1507	589	10	required	require	VERB
ajfa-1507	589	11	)	)	PUNCT
ajfa-1507	589	12	as	as	ADP
ajfa-1507	589	13	part	part	NOUN
ajfa-1507	589	14	of	of	ADP
ajfa-1507	589	15	capital	capital	NOUN
ajfa-1507	589	16	?	?	PUNCT
ajfa-1507	590	1	(	(	PUNCT
ajfa-1507	590	2	2	2	X
ajfa-1507	590	3	)	)	PUNCT
ajfa-1507	590	4	are	be	AUX
ajfa-1507	590	5	financial	financial	ADJ
ajfa-1507	590	6	institutions	institution	NOUN
ajfa-1507	590	7	required	require	VERB
ajfa-1507	590	8	to	to	PART
ajfa-1507	590	9	produce	produce	VERB
ajfa-1507	590	10	consolidated	consolidated	ADJ
ajfa-1507	590	11	accounts	account	NOUN
ajfa-1507	590	12	covering	cover	VERB
ajfa-1507	590	13	all	all	DET
ajfa-1507	590	14	bank	bank	NOUN
ajfa-1507	590	15	and	and	CCONJ
ajfa-1507	590	16	any	any	DET
ajfa-1507	590	17	non	non	ADJ
ajfa-1507	590	18	-	-	ADJ
ajfa-1507	590	19	bank	bank	ADJ
ajfa-1507	590	20	financial	financial	ADJ
ajfa-1507	590	21	subsidiaries	subsidiary	NOUN
ajfa-1507	590	22	?	?	PUNCT
ajfa-1507	591	1	(	(	PUNCT
ajfa-1507	591	2	3	3	X
ajfa-1507	591	3	)	)	PUNCT
ajfa-1507	591	4	are	be	AUX
ajfa-1507	591	5	off	off	ADP
ajfa-1507	591	6	-	-	PUNCT
ajfa-1507	591	7	balance	balance	NOUN
ajfa-1507	591	8	sheet	sheet	NOUN
ajfa-1507	591	9	items	item	NOUN
ajfa-1507	591	10	disclosed	disclose	VERB
ajfa-1507	591	11	to	to	ADP
ajfa-1507	591	12	public	public	ADJ
ajfa-1507	591	13	?	?	PUNCT
ajfa-1507	592	1	(	(	PUNCT
ajfa-1507	592	2	4	4	X
ajfa-1507	592	3	)	)	PUNCT
ajfa-1507	592	4	must	must	AUX
ajfa-1507	592	5	banks	bank	NOUN
ajfa-1507	592	6	disclose	disclose	VERB
ajfa-1507	592	7	their	their	PRON
ajfa-1507	592	8	risk	risk	NOUN
ajfa-1507	592	9	management	management	NOUN
ajfa-1507	592	10	procedures	procedure	NOUN
ajfa-1507	592	11	to	to	ADP
ajfa-1507	592	12	public	public	ADJ
ajfa-1507	592	13	?	?	PUNCT
ajfa-1507	593	1	(	(	PUNCT
ajfa-1507	593	2	5	5	X
ajfa-1507	593	3	)	)	PUNCT
ajfa-1507	593	4	are	be	AUX
ajfa-1507	593	5	directors	director	NOUN
ajfa-1507	593	6	legally	legally	ADV
ajfa-1507	593	7	liable	liable	ADJ
ajfa-1507	593	8	for	for	ADP
ajfa-1507	593	9	erroneous	erroneous	ADJ
ajfa-1507	593	10	/	/	SYM
ajfa-1507	593	11	misleading	misleading	ADJ
ajfa-1507	593	12	information	information	NOUN
ajfa-1507	593	13	?	?	PUNCT
ajfa-1507	594	1	(	(	PUNCT
ajfa-1507	594	2	6	6	X
ajfa-1507	594	3	)	)	PUNCT
ajfa-1507	594	4	do	do	AUX
ajfa-1507	594	5	regulations	regulation	NOUN
ajfa-1507	594	6	require	require	VERB
ajfa-1507	594	7	credit	credit	NOUN
ajfa-1507	594	8	ratings	rating	NOUN
ajfa-1507	594	9	for	for	ADP
ajfa-1507	594	10	commercial	commercial	ADJ
ajfa-1507	594	11	banks	bank	NOUN
ajfa-1507	594	12	?	?	PUNCT
ajfa-1507	595	1	(	(	PUNCT
ajfa-1507	595	2	7	7	X
ajfa-1507	595	3	)	)	PUNCT
ajfa-1507	595	4	does	do	AUX
ajfa-1507	595	5	accrued	accrue	VERB
ajfa-1507	595	6	,	,	PUNCT
ajfa-1507	595	7	though	though	SCONJ
ajfa-1507	595	8	unpaid	unpaid	ADJ
ajfa-1507	595	9	interest	interest	NOUN
ajfa-1507	595	10	/	/	SYM
ajfa-1507	595	11	principal	principal	NOUN
ajfa-1507	595	12	enter	enter	VERB
ajfa-1507	595	13	the	the	DET
ajfa-1507	595	14	income	income	NOUN
ajfa-1507	595	15	statement	statement	NOUN
ajfa-1507	595	16	while	while	SCONJ
ajfa-1507	595	17	loan	loan	NOUN
ajfa-1507	595	18	is	be	AUX
ajfa-1507	595	19	non	non	ADJ
ajfa-1507	595	20	-	-	ADJ
ajfa-1507	595	21	performing	performing	ADJ
ajfa-1507	595	22	?	?	PUNCT
ajfa-1507	596	1	(	(	PUNCT
ajfa-1507	596	2	8)	8)	NUM
ajfa-1507	596	3	is	be	AUX
ajfa-1507	596	4	there	there	PRON
ajfa-1507	596	5	an	an	DET
ajfa-1507	596	6	explicit	explicit	ADJ
ajfa-1507	596	7	deposit	deposit	NOUN
ajfa-1507	596	8	insurance	insurance	NOUN
ajfa-1507	596	9	protection	protection	NOUN
ajfa-1507	596	10	system	system	NOUN
ajfa-1507	596	11	?	?	PUNCT
ajfa-1507	597	1	wb	wb	PROPN
ajfa-1507	597	2	(	(	PUNCT
ajfa-1507	597	3	barth	barth	NOUN
ajfa-1507	597	4	et	et	PROPN
ajfa-1507	597	5	al	al	PROPN
ajfa-1507	597	6	.	.	PROPN
ajfa-1507	597	7	,	,	PUNCT
ajfa-1507	597	8	2001	2001	NUM
ajfa-1507	597	9	,	,	PUNCT
ajfa-1507	597	10	2004	2004	NUM
ajfa-1507	597	11	,	,	PUNCT
ajfa-1507	597	12	2006	2006	NUM
ajfa-1507	597	13	)	)	PUNCT
ajfa-1507	597	14	actrs	actrs	ADJ
ajfa-1507	597	15	restrictions	restriction	NOUN
ajfa-1507	597	16	on	on	ADP
ajfa-1507	597	17	banks	bank	NOUN
ajfa-1507	597	18	activities	activitie	VERB
ajfa-1507	597	19	the	the	DET
ajfa-1507	597	20	score	score	NOUN
ajfa-1507	597	21	for	for	ADP
ajfa-1507	597	22	this	this	DET
ajfa-1507	597	23	variable	variable	NOUN
ajfa-1507	597	24	is	be	AUX
ajfa-1507	597	25	determined	determine	VERB
ajfa-1507	597	26	on	on	ADP
ajfa-1507	597	27	the	the	DET
ajfa-1507	597	28	basis	basis	NOUN
ajfa-1507	597	29	of	of	ADP
ajfa-1507	597	30	the	the	DET
ajfa-1507	597	31	level	level	NOUN
ajfa-1507	597	32	of	of	ADP
ajfa-1507	597	33	regulatory	regulatory	ADJ
ajfa-1507	597	34	restrictiveness	restrictiveness	NOUN
ajfa-1507	597	35	for	for	ADP
ajfa-1507	597	36	bank	bank	NOUN
ajfa-1507	597	37	participation	participation	NOUN
ajfa-1507	597	38	in	in	ADP
ajfa-1507	597	39	:	:	PUNCT
ajfa-1507	597	40	(	(	PUNCT
ajfa-1507	597	41	1	1	X
ajfa-1507	597	42	)	)	PUNCT
ajfa-1507	597	43	securities	security	NOUN
ajfa-1507	597	44	activities	activity	NOUN
ajfa-1507	597	45	(	(	PUNCT
ajfa-1507	597	46	2	2	X
ajfa-1507	597	47	)	)	PUNCT
ajfa-1507	597	48	insurance	insurance	NOUN
ajfa-1507	597	49	activities	activity	NOUN
ajfa-1507	597	50	(	(	PUNCT
ajfa-1507	597	51	3	3	X
ajfa-1507	597	52	)	)	PUNCT
ajfa-1507	597	53	real	real	ADJ
ajfa-1507	597	54	estate	estate	NOUN
ajfa-1507	597	55	activities	activity	NOUN
ajfa-1507	597	56	(	(	PUNCT
ajfa-1507	597	57	4	4	X
ajfa-1507	597	58	)	)	PUNCT
ajfa-1507	597	59	bank	bank	NOUN
ajfa-1507	597	60	ownership	ownership	NOUN
ajfa-1507	597	61	of	of	ADP
ajfa-1507	597	62	non	non	ADJ
ajfa-1507	597	63	-	-	ADJ
ajfa-1507	597	64	financial	financial	ADJ
ajfa-1507	597	65	firms	firm	NOUN
ajfa-1507	597	66	.	.	PUNCT
ajfa-1507	598	1	these	these	DET
ajfa-1507	598	2	activities	activity	NOUN
ajfa-1507	598	3	can	can	AUX
ajfa-1507	598	4	be	be	AUX
ajfa-1507	598	5	unrestricted	unrestricted	ADJ
ajfa-1507	598	6	,	,	PUNCT
ajfa-1507	598	7	permitted	permit	VERB
ajfa-1507	598	8	,	,	PUNCT
ajfa-1507	598	9	restricted	restrict	VERB
ajfa-1507	598	10	or	or	CCONJ
ajfa-1507	598	11	prohibited	prohibit	VERB
ajfa-1507	598	12	that	that	PRON
ajfa-1507	598	13	are	be	AUX
ajfa-1507	598	14	assigned	assign	VERB
ajfa-1507	598	15	the	the	DET
ajfa-1507	598	16	values	value	NOUN
ajfa-1507	598	17	of	of	ADP
ajfa-1507	598	18	1	1	NUM
ajfa-1507	598	19	,	,	PUNCT
ajfa-1507	598	20	2	2	NUM
ajfa-1507	598	21	,	,	PUNCT
ajfa-1507	598	22	3	3	NUM
ajfa-1507	598	23	or	or	CCONJ
ajfa-1507	598	24	4	4	NUM
ajfa-1507	598	25	respectively	respectively	ADV
ajfa-1507	598	26	.	.	PUNCT
ajfa-1507	599	1	we	we	PRON
ajfa-1507	599	2	use	use	VERB
ajfa-1507	599	3	an	an	DET
ajfa-1507	599	4	overall	overall	ADJ
ajfa-1507	599	5	index	index	NOUN
ajfa-1507	599	6	by	by	ADP
ajfa-1507	599	7	calculating	calculate	VERB
ajfa-1507	599	8	the	the	DET
ajfa-1507	599	9	average	average	ADJ
ajfa-1507	599	10	value	value	NOUN
ajfa-1507	599	11	over	over	ADP
ajfa-1507	599	12	the	the	DET
ajfa-1507	599	13	four	four	NUM
ajfa-1507	599	14	categories	category	NOUN
ajfa-1507	599	15	.	.	PUNCT
ajfa-1507	600	1	wb	wb	PROPN
ajfa-1507	600	2	(	(	PUNCT
ajfa-1507	600	3	barth	barth	NOUN
ajfa-1507	600	4	et	et	PROPN
ajfa-1507	600	5	al	al	PROPN
ajfa-1507	600	6	.	.	PROPN
ajfa-1507	600	7	,	,	PUNCT
ajfa-1507	600	8	2001	2001	NUM
ajfa-1507	600	9	,	,	PUNCT
ajfa-1507	600	10	2004	2004	NUM
ajfa-1507	600	11	,	,	PUNCT
ajfa-1507	600	12	2006	2006	NUM
ajfa-1507	600	13	)	)	PUNCT
ajfa-1507	600	14	bank	bank	NOUN
ajfa-1507	600	15	specific	specific	ADJ
ajfa-1507	600	16	variables	variable	NOUN
ajfa-1507	600	17	ineffij	ineffij	PROPN
ajfa-1507	600	18	technical	technical	ADJ
ajfa-1507	600	19	inefficiency	inefficiency	NOUN
ajfa-1507	600	20	for	for	ADP
ajfa-1507	600	21	bank	bank	NOUN
ajfa-1507	600	22	i	i	PRON
ajfa-1507	600	23	in	in	ADP
ajfa-1507	600	24	country	country	PROPN
ajfa-1507	600	25	j	j	PROPN
ajfa-1507	600	26	dea	dea	PROPN
ajfa-1507	600	27	analysis	analysis	NOUN
ajfa-1507	600	28	and	and	CCONJ
ajfa-1507	600	29	author	author	NOUN
ajfa-1507	600	30	calculation	calculation	NOUN
ajfa-1507	600	31	llrij	llrij	ADJ
ajfa-1507	600	32	loan	loan	NOUN
ajfa-1507	600	33	-	-	PUNCT
ajfa-1507	600	34	loss	loss	NOUN
ajfa-1507	600	35	reserves	reserve	NOUN
ajfa-1507	600	36	for	for	ADP
ajfa-1507	600	37	bank	bank	NOUN
ajfa-1507	600	38	i	i	PRON
ajfa-1507	600	39	in	in	ADP
ajfa-1507	600	40	country	country	NOUN
ajfa-1507	600	41	j	j	PROPN
ajfa-1507	600	42	bankscope	bankscope	NOUN
ajfa-1507	600	43	and	and	CCONJ
ajfa-1507	600	44	author	author	NOUN
ajfa-1507	600	45	calculation	calculation	NOUN
ajfa-1507	600	46	nltaij	nltaij	NOUN
ajfa-1507	600	47	net	net	ADJ
ajfa-1507	600	48	loans	loan	NOUN
ajfa-1507	600	49	to	to	ADP
ajfa-1507	600	50	total	total	ADJ
ajfa-1507	600	51	assets	asset	NOUN
ajfa-1507	600	52	for	for	ADP
ajfa-1507	600	53	bank	bank	NOUN
ajfa-1507	600	54	i	i	PRON
ajfa-1507	600	55	in	in	ADP
ajfa-1507	600	56	country	country	NOUN
ajfa-1507	600	57	j	j	PROPN
ajfa-1507	600	58	bankscope	bankscope	NOUN
ajfa-1507	600	59	and	and	CCONJ
ajfa-1507	600	60	author	author	NOUN
ajfa-1507	600	61	calculation	calculation	NOUN
ajfa-1507	600	62	taij	taij	NOUN
ajfa-1507	600	63	total	total	ADJ
ajfa-1507	600	64	assets	asset	NOUN
ajfa-1507	600	65	for	for	ADP
ajfa-1507	600	66	bank	bank	NOUN
ajfa-1507	600	67	i	i	PRON
ajfa-1507	600	68	in	in	ADP
ajfa-1507	600	69	country	country	NOUN
ajfa-1507	600	70	j	j	PROPN
ajfa-1507	600	71	bankscope	bankscope	NOUN
ajfa-1507	600	72	and	and	CCONJ
ajfa-1507	600	73	author	author	NOUN
ajfa-1507	600	74	calculation	calculation	NOUN
ajfa-1507	600	75	ladij	ladij	ADV
ajfa-1507	600	76	liquid	liquid	ADJ
ajfa-1507	600	77	asset	asset	NOUN
ajfa-1507	600	78	to	to	ADP
ajfa-1507	600	79	short	short	ADJ
ajfa-1507	600	80	term	term	NOUN
ajfa-1507	600	81	deposit	deposit	NOUN
ajfa-1507	600	82	for	for	ADP
ajfa-1507	600	83	bank	bank	PROPN
ajfa-1507	600	84	i	i	PRON
ajfa-1507	600	85	in	in	ADP
ajfa-1507	600	86	country	country	NOUN
ajfa-1507	600	87	j	j	PROPN
ajfa-1507	600	88	bankscope	bankscope	NOUN
ajfa-1507	600	89	and	and	CCONJ
ajfa-1507	600	90	author	author	NOUN
ajfa-1507	600	91	calculation	calculation	NOUN
ajfa-1507	600	92	asian	asian	PROPN
ajfa-1507	600	93	journal	journal	PROPN
ajfa-1507	600	94	of	of	ADP
ajfa-1507	600	95	finance	finance	PROPN
ajfa-1507	600	96	&	&	CCONJ
ajfa-1507	600	97	accounting	accounting	PROPN
ajfa-1507	600	98	issn	issn	PROPN
ajfa-1507	600	99	1946	1946	NUM
ajfa-1507	600	100	-	-	PUNCT
ajfa-1507	600	101	052x	052x	NOUN
ajfa-1507	600	102	2012	2012	NUM
ajfa-1507	600	103	,	,	PUNCT
ajfa-1507	600	104	vol	vol	NOUN
ajfa-1507	600	105	.	.	PROPN
ajfa-1507	600	106	4	4	NUM
ajfa-1507	600	107	,	,	PUNCT
ajfa-1507	600	108	no	no	INTJ
ajfa-1507	600	109	.	.	NOUN
ajfa-1507	600	110	1	1	NUM
ajfa-1507	600	111	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-1507	600	112	244	244	NUM
ajfa-1507	600	113	yearj	yearj	ADJ
ajfa-1507	600	114	yearly	yearly	ADJ
ajfa-1507	600	115	dummy	dummy	ADJ
ajfa-1507	600	116	variables	variable	NOUN
ajfa-1507	600	117	for	for	ADP
ajfa-1507	600	118	2006	2006	NUM
ajfa-1507	600	119	to	to	ADP
ajfa-1507	600	120	2010	2010	NUM
ajfa-1507	600	121	author	author	NOUN
ajfa-1507	600	122	country	country	NOUN
ajfa-1507	600	123	specific	specific	ADJ
ajfa-1507	600	124	variables	variable	NOUN
ajfa-1507	600	125	latacj	latacj	PROPN
ajfa-1507	600	126	banking	banking	NOUN
ajfa-1507	600	127	system	system	NOUN
ajfa-1507	600	128	liquid	liquid	ADJ
ajfa-1507	600	129	assets	asset	NOUN
ajfa-1507	600	130	to	to	AUX
ajfa-1507	600	131	total	total	VERB
ajfa-1507	600	132	assets	asset	NOUN
ajfa-1507	600	133	in	in	ADP
ajfa-1507	600	134	country	country	NOUN
ajfa-1507	600	135	j	j	PROPN
ajfa-1507	600	136	bankscope	bankscope	NOUN
ajfa-1507	600	137	and	and	CCONJ
ajfa-1507	600	138	author	author	NOUN
ajfa-1507	600	139	calculation	calculation	NOUN
ajfa-1507	600	140	oetacj	oetacj	PROPN
ajfa-1507	600	141	banking	banking	NOUN
ajfa-1507	600	142	system	system	NOUN
ajfa-1507	600	143	operating	operating	NOUN
ajfa-1507	600	144	expenses	expense	NOUN
ajfa-1507	600	145	to	to	ADP
ajfa-1507	600	146	total	total	ADJ
ajfa-1507	600	147	assets	asset	NOUN
ajfa-1507	600	148	in	in	ADP
ajfa-1507	600	149	country	country	NOUN
ajfa-1507	600	150	j	j	PROPN
ajfa-1507	600	151	bankscope	bankscope	NOUN
ajfa-1507	600	152	and	and	CCONJ
ajfa-1507	600	153	author	author	NOUN
ajfa-1507	600	154	calculation	calculation	NOUN
ajfa-1507	600	155	llptacj	llptacj	PROPN
ajfa-1507	600	156	banking	banking	NOUN
ajfa-1507	600	157	system	system	NOUN
ajfa-1507	600	158	loan	loan	NOUN
ajfa-1507	600	159	-	-	PUNCT
ajfa-1507	600	160	loss	loss	NOUN
ajfa-1507	600	161	provisions	provision	NOUN
ajfa-1507	600	162	to	to	PART
ajfa-1507	600	163	total	total	VERB
ajfa-1507	600	164	loans	loan	NOUN
ajfa-1507	600	165	in	in	ADP
ajfa-1507	600	166	country	country	NOUN
ajfa-1507	600	167	j	j	PROPN
ajfa-1507	600	168	bankscope	bankscope	NOUN
ajfa-1507	600	169	and	and	CCONJ
ajfa-1507	600	170	author	author	NOUN
ajfa-1507	600	171	calculation	calculation	NOUN
ajfa-1507	600	172	gdp	gdp	X
ajfa-1507	600	173	real	real	ADJ
ajfa-1507	600	174	gdp	gdp	NOUN
ajfa-1507	600	175	growth	growth	PROPN
ajfa-1507	600	176	imf	imf	PROPN