id	sid	tid	token	lemma	pos
ajfa-17362	1	1	microsoft	microsoft	PROPN
ajfa-17362	1	2	word	word	NOUN
ajfa-17362	1	3	17362	17362	NUM
ajfa-17362	1	4	-	-	PUNCT
ajfa-17362	1	5	new	new	ADJ
ajfa-17362	1	6	asian	asian	ADJ
ajfa-17362	1	7	journal	journal	NOUN
ajfa-17362	1	8	of	of	ADP
ajfa-17362	1	9	finance	finance	PROPN
ajfa-17362	1	10	&	&	CCONJ
ajfa-17362	1	11	accounting	accounting	PROPN
ajfa-17362	1	12	issn	issn	PROPN
ajfa-17362	1	13	1946	1946	NUM
ajfa-17362	1	14	-	-	PUNCT
ajfa-17362	1	15	052x	052x	NOUN
ajfa-17362	1	16	2020	2020	NUM
ajfa-17362	1	17	,	,	PUNCT
ajfa-17362	1	18	vol	vol	NOUN
ajfa-17362	1	19	.	.	PROPN
ajfa-17362	1	20	12	12	NUM
ajfa-17362	1	21	,	,	PUNCT
ajfa-17362	1	22	no	no	INTJ
ajfa-17362	1	23	.	.	NOUN
ajfa-17362	1	24	2	2	NUM
ajfa-17362	1	25	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	1	26	1	1	NUM
ajfa-17362	1	27	operational	operational	ADJ
ajfa-17362	1	28	risks	risk	NOUN
ajfa-17362	1	29	and	and	CCONJ
ajfa-17362	1	30	equity	equity	NOUN
ajfa-17362	1	31	returns	return	NOUN
ajfa-17362	1	32	:	:	PUNCT
ajfa-17362	1	33	dynamic	dynamic	ADJ
ajfa-17362	1	34	and	and	CCONJ
ajfa-17362	1	35	static	static	ADJ
ajfa-17362	1	36	panel	panel	NOUN
ajfa-17362	1	37	data	datum	NOUN
ajfa-17362	1	38	analyses	analyse	VERB
ajfa-17362	1	39	theophilus	theophilus	PROPN
ajfa-17362	1	40	anaekenwa	anaekenwa	NOUN
ajfa-17362	1	41	aguguom	aguguom	VERB
ajfa-17362	1	42	ph.d	ph.d	PROPN
ajfa-17362	1	43	.	.	PUNCT
ajfa-17362	2	1	department	department	PROPN
ajfa-17362	2	2	of	of	ADP
ajfa-17362	2	3	accounting	accounting	NOUN
ajfa-17362	2	4	and	and	CCONJ
ajfa-17362	2	5	finance	finance	PROPN
ajfa-17362	2	6	augustine	augustine	PROPN
ajfa-17362	2	7	university	university	PROPN
ajfa-17362	2	8	,	,	PUNCT
ajfa-17362	2	9	ilara	ilara	ADJ
ajfa-17362	2	10	epelagos	epelagos	PROPN
ajfa-17362	2	11	state	state	PROPN
ajfa-17362	2	12	,	,	PUNCT
ajfa-17362	2	13	nigeria	nigeria	PROPN
ajfa-17362	3	1	tel	tel	ADP
ajfa-17362	3	2	:	:	PUNCT
ajfa-17362	3	3	23	23	NUM
ajfa-17362	3	4	-	-	SYM
ajfa-17362	3	5	481	481	NUM
ajfa-17362	3	6	-	-	PUNCT
ajfa-17362	3	7	2222	2222	NUM
ajfa-17362	3	8	-	-	SYM
ajfa-17362	3	9	1167	1167	NUM
ajfa-17362	3	10	e	e	NOUN
ajfa-17362	3	11	-	-	NOUN
ajfa-17362	3	12	mail	mail	NOUN
ajfa-17362	3	13	:	:	PUNCT
ajfa-17362	3	14	theophilus.aguguom@augustineuniversity.edu.ng	theophilus.aguguom@augustineuniversity.edu.ng	PRON
ajfa-17362	3	15	received	receive	VERB
ajfa-17362	3	16	:	:	PUNCT
ajfa-17362	3	17	july	july	PROPN
ajfa-17362	3	18	17	17	NUM
ajfa-17362	3	19	,	,	PUNCT
ajfa-17362	3	20	2020	2020	NUM
ajfa-17362	3	21	accepted	accept	VERB
ajfa-17362	3	22	:	:	PUNCT
ajfa-17362	3	23	oct	oct	PROPN
ajfa-17362	3	24	.	.	PROPN
ajfa-17362	3	25	13	13	NUM
ajfa-17362	3	26	,	,	PUNCT
ajfa-17362	3	27	2020	2020	NUM
ajfa-17362	3	28	published	publish	VERB
ajfa-17362	3	29	:	:	PUNCT
ajfa-17362	3	30	december	december	PROPN
ajfa-17362	3	31	1	1	NUM
ajfa-17362	3	32	,	,	PUNCT
ajfa-17362	3	33	2020	2020	NUM
ajfa-17362	3	34	doi:10.5296	doi:10.5296	NOUN
ajfa-17362	3	35	/	/	SYM
ajfa-17362	3	36	ajfa.v12i2.17362	ajfa.v12i2.17362	PROPN
ajfa-17362	3	37	url	url	PROPN
ajfa-17362	3	38	:	:	PUNCT
ajfa-17362	3	39	https://doi.org/10.5296/ajfa.v12i2.17362	https://doi.org/10.5296/ajfa.v12i2.17362	X
ajfa-17362	3	40	abstract	abstract	VERB
ajfa-17362	3	41	this	this	DET
ajfa-17362	3	42	study	study	NOUN
ajfa-17362	3	43	investigated	investigate	VERB
ajfa-17362	3	44	the	the	DET
ajfa-17362	3	45	effect	effect	NOUN
ajfa-17362	3	46	of	of	ADP
ajfa-17362	3	47	operational	operational	ADJ
ajfa-17362	3	48	risk	risk	NOUN
ajfa-17362	3	49	on	on	ADP
ajfa-17362	3	50	equity	equity	NOUN
ajfa-17362	3	51	returns	return	NOUN
ajfa-17362	3	52	of	of	ADP
ajfa-17362	3	53	deposit	deposit	NOUN
ajfa-17362	3	54	money	money	NOUN
ajfa-17362	3	55	banks	bank	NOUN
ajfa-17362	3	56	(	(	PUNCT
ajfa-17362	3	57	dmbs	dmb	NOUN
ajfa-17362	3	58	)	)	PUNCT
ajfa-17362	3	59	,	,	PUNCT
ajfa-17362	3	60	using	use	VERB
ajfa-17362	3	61	a	a	DET
ajfa-17362	3	62	population	population	NOUN
ajfa-17362	3	63	consisted	consist	VERB
ajfa-17362	3	64	of	of	ADP
ajfa-17362	3	65	19	19	NUM
ajfa-17362	3	66	listed	list	VERB
ajfa-17362	3	67	deposit	deposit	NOUN
ajfa-17362	3	68	money	money	NOUN
ajfa-17362	3	69	banks	bank	NOUN
ajfa-17362	3	70	in	in	ADP
ajfa-17362	3	71	the	the	DET
ajfa-17362	3	72	nigeria	nigeria	PROPN
ajfa-17362	3	73	stock	stock	PROPN
ajfa-17362	3	74	exchange	exchange	PROPN
ajfa-17362	3	75	.	.	PUNCT
ajfa-17362	4	1	15	15	NUM
ajfa-17362	4	2	dmbs	dmb	NOUN
ajfa-17362	4	3	were	be	AUX
ajfa-17362	4	4	purposively	purposively	ADV
ajfa-17362	4	5	selected	select	VERB
ajfa-17362	4	6	for	for	ADP
ajfa-17362	4	7	a	a	DET
ajfa-17362	4	8	period	period	NOUN
ajfa-17362	4	9	of	of	ADP
ajfa-17362	4	10	15	15	NUM
ajfa-17362	4	11	years	year	NOUN
ajfa-17362	4	12	2005	2005	NUM
ajfa-17362	4	13	to	to	ADP
ajfa-17362	4	14	2019	2019	NUM
ajfa-17362	4	15	.	.	PUNCT
ajfa-17362	5	1	descriptive	descriptive	ADJ
ajfa-17362	5	2	and	and	CCONJ
ajfa-17362	5	3	inferential	inferential	ADJ
ajfa-17362	5	4	statistics	statistic	NOUN
ajfa-17362	5	5	were	be	AUX
ajfa-17362	5	6	explored	explore	VERB
ajfa-17362	5	7	for	for	ADP
ajfa-17362	5	8	the	the	DET
ajfa-17362	5	9	data	datum	NOUN
ajfa-17362	5	10	analysis	analysis	NOUN
ajfa-17362	5	11	which	which	PRON
ajfa-17362	5	12	was	be	AUX
ajfa-17362	5	13	sourced	source	VERB
ajfa-17362	5	14	from	from	ADP
ajfa-17362	5	15	the	the	DET
ajfa-17362	5	16	published	publish	VERB
ajfa-17362	5	17	financial	financial	ADJ
ajfa-17362	5	18	statements	statement	NOUN
ajfa-17362	5	19	of	of	ADP
ajfa-17362	5	20	the	the	DET
ajfa-17362	5	21	banks	bank	NOUN
ajfa-17362	5	22	,	,	PUNCT
ajfa-17362	5	23	using	use	VERB
ajfa-17362	5	24	dynamic	dynamic	ADJ
ajfa-17362	5	25	and	and	CCONJ
ajfa-17362	5	26	static	static	ADJ
ajfa-17362	5	27	panel	panel	NOUN
ajfa-17362	5	28	data	datum	NOUN
ajfa-17362	5	29	.	.	PUNCT
ajfa-17362	6	1	diagnostics	diagnostic	NOUN
ajfa-17362	6	2	tests	test	NOUN
ajfa-17362	6	3	were	be	AUX
ajfa-17362	6	4	carried	carry	VERB
ajfa-17362	6	5	out	out	ADP
ajfa-17362	6	6	since	since	SCONJ
ajfa-17362	6	7	the	the	DET
ajfa-17362	6	8	application	application	NOUN
ajfa-17362	6	9	of	of	ADP
ajfa-17362	6	10	the	the	DET
ajfa-17362	6	11	hausman	hausman	PROPN
ajfa-17362	6	12	test	test	NOUN
ajfa-17362	6	13	provided	provide	VERB
ajfa-17362	6	14	the	the	DET
ajfa-17362	6	15	criteria	criterion	NOUN
ajfa-17362	6	16	for	for	ADP
ajfa-17362	6	17	choosing	choose	VERB
ajfa-17362	6	18	between	between	ADP
ajfa-17362	6	19	random	random	ADJ
ajfa-17362	6	20	effect	effect	NOUN
ajfa-17362	6	21	models	model	NOUN
ajfa-17362	6	22	and	and	CCONJ
ajfa-17362	6	23	fixed	fix	VERB
ajfa-17362	6	24	effect	effect	NOUN
ajfa-17362	6	25	models	model	NOUN
ajfa-17362	6	26	.	.	PUNCT
ajfa-17362	7	1	breusch	breusch	PROPN
ajfa-17362	7	2	and	and	CCONJ
ajfa-17362	7	3	pagan	pagan	VERB
ajfa-17362	7	4	lagrangian	lagrangian	ADJ
ajfa-17362	7	5	multiplier	multipli	ADJ
ajfa-17362	7	6	test	test	NOUN
ajfa-17362	7	7	was	be	AUX
ajfa-17362	7	8	employed	employ	VERB
ajfa-17362	7	9	to	to	PART
ajfa-17362	7	10	confirm	confirm	VERB
ajfa-17362	7	11	the	the	DET
ajfa-17362	7	12	hausman	hausman	ADJ
ajfa-17362	7	13	test	test	NOUN
ajfa-17362	7	14	results	result	NOUN
ajfa-17362	7	15	in	in	ADP
ajfa-17362	7	16	order	order	NOUN
ajfa-17362	7	17	to	to	PART
ajfa-17362	7	18	decide	decide	VERB
ajfa-17362	7	19	between	between	ADP
ajfa-17362	7	20	random	random	ADJ
ajfa-17362	7	21	effects	effect	NOUN
ajfa-17362	7	22	and	and	CCONJ
ajfa-17362	7	23	pooled	pool	VERB
ajfa-17362	7	24	ols	ol	NOUN
ajfa-17362	7	25	.	.	PUNCT
ajfa-17362	8	1	correlation	correlation	NOUN
ajfa-17362	8	2	matrix	matrix	NOUN
ajfa-17362	8	3	for	for	ADP
ajfa-17362	8	4	multicollinearity	multicollinearity	NOUN
ajfa-17362	8	5	test	test	NOUN
ajfa-17362	8	6	and	and	CCONJ
ajfa-17362	8	7	cross	cross	ADJ
ajfa-17362	8	8	-	-	ADJ
ajfa-17362	8	9	sectional	sectional	ADJ
ajfa-17362	8	10	dependent	dependent	ADJ
ajfa-17362	8	11	test	test	NOUN
ajfa-17362	8	12	were	be	AUX
ajfa-17362	8	13	equally	equally	ADV
ajfa-17362	8	14	carried	carry	VERB
ajfa-17362	8	15	out	out	ADP
ajfa-17362	8	16	for	for	ADP
ajfa-17362	8	17	the	the	DET
ajfa-17362	8	18	study	study	NOUN
ajfa-17362	8	19	.	.	PUNCT
ajfa-17362	9	1	three	three	NUM
ajfa-17362	9	2	models	model	NOUN
ajfa-17362	9	3	were	be	AUX
ajfa-17362	9	4	estimated	estimate	VERB
ajfa-17362	9	5	,	,	PUNCT
ajfa-17362	9	6	based	base	VERB
ajfa-17362	9	7	on	on	ADP
ajfa-17362	9	8	the	the	DET
ajfa-17362	9	9	three	three	NUM
ajfa-17362	9	10	proxies	proxy	NOUN
ajfa-17362	9	11	of	of	ADP
ajfa-17362	9	12	the	the	DET
ajfa-17362	9	13	dependent	dependent	ADJ
ajfa-17362	9	14	variable	variable	NOUN
ajfa-17362	9	15	.	.	PUNCT
ajfa-17362	10	1	the	the	DET
ajfa-17362	10	2	study	study	NOUN
ajfa-17362	10	3	found	find	VERB
ajfa-17362	10	4	that	that	SCONJ
ajfa-17362	10	5	operational	operational	ADJ
ajfa-17362	10	6	risk	risk	NOUN
ajfa-17362	10	7	had	have	VERB
ajfa-17362	10	8	a	a	DET
ajfa-17362	10	9	statistically	statistically	ADV
ajfa-17362	10	10	positive	positive	ADJ
ajfa-17362	10	11	significant	significant	ADJ
ajfa-17362	10	12	effect	effect	NOUN
ajfa-17362	10	13	on	on	ADP
ajfa-17362	10	14	return	return	NOUN
ajfa-17362	10	15	on	on	ADP
ajfa-17362	10	16	equity	equity	NOUN
ajfa-17362	10	17	(	(	PUNCT
ajfa-17362	10	18	roe	roe	PROPN
ajfa-17362	10	19	)	)	PUNCT
ajfa-17362	10	20	,	,	PUNCT
ajfa-17362	10	21	while	while	SCONJ
ajfa-17362	10	22	operational	operational	ADJ
ajfa-17362	10	23	risk	risk	NOUN
ajfa-17362	10	24	equally	equally	ADV
ajfa-17362	10	25	exhibited	exhibit	VERB
ajfa-17362	10	26	statistically	statistically	ADV
ajfa-17362	10	27	positive	positive	ADJ
ajfa-17362	10	28	significant	significant	ADJ
ajfa-17362	10	29	effect	effect	NOUN
ajfa-17362	10	30	on	on	ADP
ajfa-17362	10	31	roa	roa	PROPN
ajfa-17362	10	32	.	.	PUNCT
ajfa-17362	11	1	when	when	SCONJ
ajfa-17362	11	2	the	the	DET
ajfa-17362	11	3	controlling	control	VERB
ajfa-17362	11	4	variable	variable	NOUN
ajfa-17362	11	5	of	of	ADP
ajfa-17362	11	6	fsize	fsize	NOUN
ajfa-17362	11	7	was	be	AUX
ajfa-17362	11	8	introduced	introduce	VERB
ajfa-17362	11	9	,	,	PUNCT
ajfa-17362	11	10	the	the	DET
ajfa-17362	11	11	study	study	NOUN
ajfa-17362	11	12	exhibited	exhibit	VERB
ajfa-17362	11	13	stronger	strong	ADJ
ajfa-17362	11	14	effects	effect	NOUN
ajfa-17362	11	15	which	which	PRON
ajfa-17362	11	16	demonstrates	demonstrate	VERB
ajfa-17362	11	17	that	that	SCONJ
ajfa-17362	11	18	operational	operational	ADJ
ajfa-17362	11	19	risk	risk	NOUN
ajfa-17362	11	20	had	have	VERB
ajfa-17362	11	21	a	a	DET
ajfa-17362	11	22	statistically	statistically	ADV
ajfa-17362	11	23	positive	positive	ADJ
ajfa-17362	11	24	effect	effect	NOUN
ajfa-17362	11	25	on	on	ADP
ajfa-17362	11	26	roe	roe	NOUN
ajfa-17362	11	27	,	,	PUNCT
ajfa-17362	11	28	while	while	SCONJ
ajfa-17362	11	29	operational	operational	ADJ
ajfa-17362	11	30	risk	risk	NOUN
ajfa-17362	11	31	with	with	ADP
ajfa-17362	11	32	fsize	fsize	NOUN
ajfa-17362	11	33	had	have	VERB
ajfa-17362	11	34	a	a	DET
ajfa-17362	11	35	statistically	statistically	ADV
ajfa-17362	11	36	positive	positive	ADJ
ajfa-17362	11	37	effect	effect	NOUN
ajfa-17362	11	38	on	on	ADP
ajfa-17362	11	39	roa	roa	PROPN
ajfa-17362	11	40	.	.	PUNCT
ajfa-17362	12	1	the	the	DET
ajfa-17362	12	2	study	study	NOUN
ajfa-17362	12	3	recommends	recommend	VERB
ajfa-17362	12	4	that	that	SCONJ
ajfa-17362	12	5	dmbs	dmb	NOUN
ajfa-17362	12	6	managers	manager	NOUN
ajfa-17362	12	7	should	should	AUX
ajfa-17362	12	8	carefully	carefully	ADV
ajfa-17362	12	9	carry	carry	VERB
ajfa-17362	12	10	out	out	ADP
ajfa-17362	12	11	due	due	ADJ
ajfa-17362	12	12	diligence	diligence	NOUN
ajfa-17362	12	13	on	on	ADP
ajfa-17362	12	14	loan	loan	NOUN
ajfa-17362	12	15	applicants	applicant	NOUN
ajfa-17362	12	16	,	,	PUNCT
ajfa-17362	12	17	to	to	PART
ajfa-17362	12	18	ascertain	ascertain	VERB
ajfa-17362	12	19	performance	performance	NOUN
ajfa-17362	12	20	trend	trend	NOUN
ajfa-17362	12	21	and	and	CCONJ
ajfa-17362	12	22	creditworthiness	creditworthiness	NOUN
ajfa-17362	12	23	of	of	ADP
ajfa-17362	12	24	potential	potential	ADJ
ajfa-17362	12	25	and	and	CCONJ
ajfa-17362	12	26	prospective	prospective	ADJ
ajfa-17362	12	27	borrowers	borrower	NOUN
ajfa-17362	12	28	before	before	ADP
ajfa-17362	12	29	advancing	advance	VERB
ajfa-17362	12	30	loans	loan	NOUN
ajfa-17362	12	31	in	in	ADP
ajfa-17362	12	32	order	order	NOUN
ajfa-17362	12	33	to	to	PART
ajfa-17362	12	34	reduce	reduce	VERB
ajfa-17362	12	35	huge	huge	ADJ
ajfa-17362	12	36	profiles	profile	NOUN
ajfa-17362	12	37	of	of	ADP
ajfa-17362	12	38	credit	credit	NOUN
ajfa-17362	12	39	risk	risk	NOUN
ajfa-17362	12	40	exposures	exposure	NOUN
ajfa-17362	12	41	.	.	PUNCT
ajfa-17362	13	1	keywords	keyword	NOUN
ajfa-17362	13	2	:	:	PUNCT
ajfa-17362	13	3	credit	credit	NOUN
ajfa-17362	13	4	risk	risk	NOUN
ajfa-17362	13	5	,	,	PUNCT
ajfa-17362	13	6	equity	equity	NOUN
ajfa-17362	13	7	returns	return	NOUN
ajfa-17362	13	8	,	,	PUNCT
ajfa-17362	13	9	liquidity	liquidity	NOUN
ajfa-17362	13	10	risk	risk	NOUN
ajfa-17362	13	11	,	,	PUNCT
ajfa-17362	13	12	operational	operational	ADJ
ajfa-17362	13	13	risk	risk	NOUN
ajfa-17362	13	14	,	,	PUNCT
ajfa-17362	13	15	return	return	VERB
ajfa-17362	13	16	on	on	ADP
ajfa-17362	13	17	assets	asset	NOUN
ajfa-17362	13	18	.	.	PUNCT
ajfa-17362	14	1	asian	asian	ADJ
ajfa-17362	14	2	journal	journal	PROPN
ajfa-17362	14	3	of	of	ADP
ajfa-17362	14	4	finance	finance	PROPN
ajfa-17362	14	5	&	&	CCONJ
ajfa-17362	14	6	accounting	accounting	PROPN
ajfa-17362	14	7	issn	issn	PROPN
ajfa-17362	14	8	1946	1946	NUM
ajfa-17362	14	9	-	-	PUNCT
ajfa-17362	14	10	052x	052x	NOUN
ajfa-17362	14	11	2020	2020	NUM
ajfa-17362	14	12	,	,	PUNCT
ajfa-17362	14	13	vol	vol	NOUN
ajfa-17362	14	14	.	.	PROPN
ajfa-17362	14	15	12	12	NUM
ajfa-17362	14	16	,	,	PUNCT
ajfa-17362	14	17	no	no	INTJ
ajfa-17362	14	18	.	.	NOUN
ajfa-17362	14	19	2	2	NUM
ajfa-17362	14	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	14	21	2	2	NUM
ajfa-17362	14	22	1	1	NUM
ajfa-17362	14	23	.	.	PUNCT
ajfa-17362	15	1	introduction	introduction	NOUN
ajfa-17362	15	2	managerial	managerial	ADJ
ajfa-17362	15	3	incompetence	incompetence	NOUN
ajfa-17362	15	4	,	,	PUNCT
ajfa-17362	15	5	and	and	CCONJ
ajfa-17362	15	6	unhealthy	unhealthy	ADJ
ajfa-17362	15	7	punitive	punitive	ADJ
ajfa-17362	15	8	distortions	distortion	NOUN
ajfa-17362	15	9	of	of	ADP
ajfa-17362	15	10	financial	financial	ADJ
ajfa-17362	15	11	surveillance	surveillance	NOUN
ajfa-17362	15	12	are	be	AUX
ajfa-17362	15	13	influencing	influence	VERB
ajfa-17362	15	14	huge	huge	ADJ
ajfa-17362	15	15	gaps	gap	NOUN
ajfa-17362	15	16	in	in	ADP
ajfa-17362	15	17	robust	robust	ADJ
ajfa-17362	15	18	equity	equity	NOUN
ajfa-17362	15	19	returns	return	NOUN
ajfa-17362	15	20	in	in	ADP
ajfa-17362	15	21	deposit	deposit	NOUN
ajfa-17362	15	22	money	money	NOUN
ajfa-17362	15	23	banks	bank	NOUN
ajfa-17362	15	24	in	in	ADP
ajfa-17362	15	25	nigeria	nigeria	PROPN
ajfa-17362	15	26	.	.	PUNCT
ajfa-17362	16	1	creation	creation	NOUN
ajfa-17362	16	2	of	of	ADP
ajfa-17362	16	3	artificial	artificial	ADJ
ajfa-17362	16	4	debts	debt	NOUN
ajfa-17362	16	5	,	,	PUNCT
ajfa-17362	16	6	huge	huge	ADJ
ajfa-17362	16	7	nonperforming	nonperforme	VERB
ajfa-17362	16	8	loans	loan	NOUN
ajfa-17362	16	9	,	,	PUNCT
ajfa-17362	16	10	weak	weak	ADJ
ajfa-17362	16	11	due	due	ADJ
ajfa-17362	16	12	-	-	PUNCT
ajfa-17362	16	13	diligence	diligence	NOUN
ajfa-17362	16	14	practices	practice	NOUN
ajfa-17362	16	15	,	,	PUNCT
ajfa-17362	16	16	and	and	CCONJ
ajfa-17362	16	17	inadequate	inadequate	ADJ
ajfa-17362	16	18	professional	professional	ADJ
ajfa-17362	16	19	proficiencies	proficiency	NOUN
ajfa-17362	16	20	are	be	AUX
ajfa-17362	16	21	the	the	DET
ajfa-17362	16	22	hallmarks	hallmark	NOUN
ajfa-17362	16	23	behind	behind	ADP
ajfa-17362	16	24	non	non	ADJ
ajfa-17362	16	25	-	-	ADJ
ajfa-17362	16	26	sustainable	sustainable	ADJ
ajfa-17362	16	27	equity	equity	NOUN
ajfa-17362	16	28	returns	return	NOUN
ajfa-17362	16	29	in	in	ADP
ajfa-17362	16	30	the	the	DET
ajfa-17362	16	31	nigerian	nigerian	ADJ
ajfa-17362	16	32	banks	bank	NOUN
ajfa-17362	16	33	(	(	PUNCT
ajfa-17362	16	34	adesina	adesina	PROPN
ajfa-17362	16	35	,	,	PUNCT
ajfa-17362	16	36	olufuwobi	olufuwobi	PROPN
ajfa-17362	16	37	&	&	CCONJ
ajfa-17362	16	38	ayinde	ayinde	PROPN
ajfa-17362	16	39	,	,	PUNCT
ajfa-17362	16	40	2018	2018	NUM
ajfa-17362	16	41	;	;	PUNCT
ajfa-17362	16	42	ogbuagu	ogbuagu	PROPN
ajfa-17362	16	43	,	,	PUNCT
ajfa-17362	16	44	ubi	ubi	PROPN
ajfa-17362	16	45	&	&	CCONJ
ajfa-17362	16	46	effiom	effiom	PROPN
ajfa-17362	16	47	,	,	PUNCT
ajfa-17362	16	48	2014	2014	NUM
ajfa-17362	16	49	)	)	PUNCT
ajfa-17362	16	50	.	.	PUNCT
ajfa-17362	17	1	financial	financial	ADJ
ajfa-17362	17	2	institutions	institution	NOUN
ajfa-17362	17	3	have	have	AUX
ajfa-17362	17	4	become	become	VERB
ajfa-17362	17	5	more	more	ADV
ajfa-17362	17	6	technological	technological	ADJ
ajfa-17362	17	7	reliant	reliant	ADJ
ajfa-17362	17	8	on	on	ADP
ajfa-17362	17	9	their	their	PRON
ajfa-17362	17	10	operations	operation	NOUN
ajfa-17362	17	11	,	,	PUNCT
ajfa-17362	17	12	making	make	VERB
ajfa-17362	17	13	operational	operational	ADJ
ajfa-17362	17	14	risk	risk	NOUN
ajfa-17362	17	15	management	management	NOUN
ajfa-17362	17	16	correspondingly	correspondingly	ADV
ajfa-17362	17	17	less	less	ADV
ajfa-17362	17	18	prioritized	prioritize	VERB
ajfa-17362	17	19	,	,	PUNCT
ajfa-17362	17	20	as	as	SCONJ
ajfa-17362	17	21	the	the	DET
ajfa-17362	17	22	banks	bank	NOUN
ajfa-17362	17	23	now	now	ADV
ajfa-17362	17	24	rely	rely	VERB
ajfa-17362	17	25	on	on	ADP
ajfa-17362	17	26	new	new	ADJ
ajfa-17362	17	27	technologies	technology	NOUN
ajfa-17362	17	28	that	that	PRON
ajfa-17362	17	29	depend	depend	VERB
ajfa-17362	17	30	on	on	ADP
ajfa-17362	17	31	non	non	ADJ
ajfa-17362	17	32	-	-	ADJ
ajfa-17362	17	33	reliable	reliable	ADJ
ajfa-17362	17	34	,	,	PUNCT
ajfa-17362	17	35	and	and	CCONJ
ajfa-17362	17	36	epileptic	epileptic	ADJ
ajfa-17362	17	37	power	power	NOUN
ajfa-17362	17	38	supplies	supply	NOUN
ajfa-17362	17	39	(	(	PUNCT
ajfa-17362	17	40	azejiofor	azejiofor	PROPN
ajfa-17362	17	41	,	,	PUNCT
ajfa-17362	17	42	adigwe	adigwe	PROPN
ajfa-17362	17	43	&	&	CCONJ
ajfa-17362	17	44	john	john	PROPN
ajfa-17362	17	45	-	-	PUNCT
ajfa-17362	17	46	akamelu	akamelu	PROPN
ajfa-17362	17	47	,	,	PUNCT
ajfa-17362	17	48	2015	2015	NUM
ajfa-17362	17	49	;	;	PUNCT
ajfa-17362	17	50	olalere	olalere	ADV
ajfa-17362	17	51	&	&	CCONJ
ajfa-17362	17	52	wan	wan	PROPN
ajfa-17362	17	53	,	,	PUNCT
ajfa-17362	17	54	2018	2018	NUM
ajfa-17362	17	55	)	)	PUNCT
ajfa-17362	17	56	.	.	PUNCT
ajfa-17362	18	1	porous	porous	ADJ
ajfa-17362	18	2	internal	internal	ADJ
ajfa-17362	18	3	control	control	NOUN
ajfa-17362	18	4	systems	system	NOUN
ajfa-17362	18	5	and	and	CCONJ
ajfa-17362	18	6	unidentified	unidentified	ADJ
ajfa-17362	18	7	inherent	inherent	ADJ
ajfa-17362	18	8	risks	risk	NOUN
ajfa-17362	18	9	shrink	shrink	VERB
ajfa-17362	18	10	equity	equity	NOUN
ajfa-17362	18	11	returns	return	NOUN
ajfa-17362	18	12	expectations	expectation	NOUN
ajfa-17362	18	13	(	(	PUNCT
ajfa-17362	18	14	aguguom	aguguom	NOUN
ajfa-17362	18	15	,	,	PUNCT
ajfa-17362	18	16	2020	2020	NUM
ajfa-17362	18	17	;	;	PUNCT
ajfa-17362	18	18	aguayo	aguayo	PROPN
ajfa-17362	18	19	&	&	CCONJ
ajfa-17362	18	20	slusarczyk	slusarczyk	PROPN
ajfa-17362	18	21	,	,	PUNCT
ajfa-17362	18	22	2020	2020	NUM
ajfa-17362	18	23	;	;	PUNCT
ajfa-17362	18	24	el	el	NOUN
ajfa-17362	18	25	-	-	NOUN
ajfa-17362	18	26	ansary	ansary	ADJ
ajfa-17362	18	27	,	,	PUNCT
ajfa-17362	18	28	2019	2019	NUM
ajfa-17362	18	29	)	)	PUNCT
ajfa-17362	18	30	.	.	PUNCT
ajfa-17362	19	1	basel	basel	PROPN
ajfa-17362	19	2	iii	iii	PROPN
ajfa-17362	19	3	identified	identify	VERB
ajfa-17362	19	4	some	some	DET
ajfa-17362	19	5	basic	basic	ADJ
ajfa-17362	19	6	concerns	concern	NOUN
ajfa-17362	19	7	in	in	ADP
ajfa-17362	19	8	risk	risk	NOUN
ajfa-17362	19	9	cases	case	NOUN
ajfa-17362	19	10	such	such	ADJ
ajfa-17362	19	11	as	as	ADP
ajfa-17362	19	12	physical	physical	ADJ
ajfa-17362	19	13	capital	capital	NOUN
ajfa-17362	19	14	(	(	PUNCT
ajfa-17362	19	15	pc	pc	NOUN
ajfa-17362	19	16	)	)	PUNCT
ajfa-17362	19	17	.	.	PUNCT
ajfa-17362	20	1	pc	pc	NOUN
ajfa-17362	20	2	incorporates	incorporate	VERB
ajfa-17362	20	3	damage	damage	NOUN
ajfa-17362	20	4	to	to	ADP
ajfa-17362	20	5	tangible	tangible	ADJ
ajfa-17362	20	6	assets	asset	NOUN
ajfa-17362	20	7	,	,	PUNCT
ajfa-17362	20	8	operational	operational	ADJ
ajfa-17362	20	9	and	and	CCONJ
ajfa-17362	20	10	service	service	NOUN
ajfa-17362	20	11	disruptions	disruption	NOUN
ajfa-17362	20	12	,	,	PUNCT
ajfa-17362	20	13	system	system	NOUN
ajfa-17362	20	14	malfunctions	malfunction	NOUN
ajfa-17362	20	15	,	,	PUNCT
ajfa-17362	20	16	execution	execution	NOUN
ajfa-17362	20	17	,	,	PUNCT
ajfa-17362	20	18	delivery	delivery	NOUN
ajfa-17362	20	19	problems	problem	NOUN
ajfa-17362	20	20	and	and	CCONJ
ajfa-17362	20	21	managerial	managerial	ADJ
ajfa-17362	20	22	ability	ability	NOUN
ajfa-17362	20	23	concerns	concern	NOUN
ajfa-17362	20	24	.	.	PUNCT
ajfa-17362	21	1	basically	basically	ADV
ajfa-17362	21	2	,	,	PUNCT
ajfa-17362	21	3	the	the	DET
ajfa-17362	21	4	main	main	ADJ
ajfa-17362	21	5	concern	concern	NOUN
ajfa-17362	21	6	here	here	ADV
ajfa-17362	21	7	is	be	AUX
ajfa-17362	21	8	technological	technological	ADJ
ajfa-17362	21	9	failures	failure	NOUN
ajfa-17362	21	10	in	in	ADP
ajfa-17362	21	11	relation	relation	NOUN
ajfa-17362	21	12	to	to	ADP
ajfa-17362	21	13	the	the	DET
ajfa-17362	21	14	banks	bank	NOUN
ajfa-17362	21	15	'	'	PART
ajfa-17362	21	16	computer	computer	NOUN
ajfa-17362	21	17	systems	system	NOUN
ajfa-17362	21	18	.	.	PUNCT
ajfa-17362	22	1	another	another	DET
ajfa-17362	22	2	identified	identify	VERB
ajfa-17362	22	3	basic	basic	ADJ
ajfa-17362	22	4	concern	concern	NOUN
ajfa-17362	22	5	in	in	ADP
ajfa-17362	22	6	operational	operational	ADJ
ajfa-17362	22	7	risk	risk	NOUN
ajfa-17362	22	8	is	be	AUX
ajfa-17362	22	9	in	in	ADP
ajfa-17362	22	10	the	the	DET
ajfa-17362	22	11	area	area	NOUN
ajfa-17362	22	12	of	of	ADP
ajfa-17362	22	13	human	human	ADJ
ajfa-17362	22	14	capital	capital	NOUN
ajfa-17362	22	15	error	error	NOUN
ajfa-17362	22	16	which	which	PRON
ajfa-17362	22	17	refers	refer	VERB
ajfa-17362	22	18	to	to	ADP
ajfa-17362	22	19	intentional	intentional	ADJ
ajfa-17362	22	20	human	human	ADJ
ajfa-17362	22	21	error	error	NOUN
ajfa-17362	22	22	and	and	CCONJ
ajfa-17362	22	23	irrational	irrational	ADJ
ajfa-17362	22	24	behavior	behavior	NOUN
ajfa-17362	22	25	of	of	ADP
ajfa-17362	22	26	employees	employee	NOUN
ajfa-17362	22	27	.	.	PUNCT
ajfa-17362	23	1	this	this	DET
ajfa-17362	23	2	type	type	NOUN
ajfa-17362	23	3	of	of	ADP
ajfa-17362	23	4	error	error	NOUN
ajfa-17362	23	5	includes	include	VERB
ajfa-17362	23	6	employment	employment	NOUN
ajfa-17362	23	7	practices	practice	NOUN
ajfa-17362	23	8	mismatch	mismatch	VERB
ajfa-17362	23	9	,	,	PUNCT
ajfa-17362	23	10	health	health	NOUN
ajfa-17362	23	11	and	and	CCONJ
ajfa-17362	23	12	safety	safety	NOUN
ajfa-17362	23	13	employee	employee	NOUN
ajfa-17362	23	14	’s	’s	PART
ajfa-17362	23	15	hazards	hazard	NOUN
ajfa-17362	23	16	and	and	CCONJ
ajfa-17362	23	17	internal	internal	ADJ
ajfa-17362	23	18	fraud	fraud	NOUN
ajfa-17362	23	19	.	.	PUNCT
ajfa-17362	24	1	these	these	DET
ajfa-17362	24	2	human	human	ADJ
ajfa-17362	24	3	capital	capital	NOUN
ajfa-17362	24	4	errors	error	NOUN
ajfa-17362	24	5	which	which	PRON
ajfa-17362	24	6	are	be	AUX
ajfa-17362	24	7	prevalent	prevalent	ADJ
ajfa-17362	24	8	in	in	ADP
ajfa-17362	24	9	financial	financial	ADJ
ajfa-17362	24	10	institutions	institution	NOUN
ajfa-17362	24	11	tend	tend	VERB
ajfa-17362	24	12	to	to	PART
ajfa-17362	24	13	are	are	AUX
ajfa-17362	24	14	compounding	compound	VERB
ajfa-17362	24	15	operation	operation	NOUN
ajfa-17362	24	16	risks	risk	NOUN
ajfa-17362	24	17	characteristic	characteristic	ADJ
ajfa-17362	24	18	(	(	PUNCT
ajfa-17362	24	19	buckova	buckova	PROPN
ajfa-17362	24	20	&	&	CCONJ
ajfa-17362	24	21	reuse	reuse	PROPN
ajfa-17362	24	22	,	,	PUNCT
ajfa-17362	24	23	2011	2011	NUM
ajfa-17362	24	24	;	;	PUNCT
ajfa-17362	24	25	kariuki	kariuki	PROPN
ajfa-17362	24	26	&	&	CCONJ
ajfa-17362	24	27	peddy	peddy	PROPN
ajfa-17362	24	28	,	,	PUNCT
ajfa-17362	24	29	2017	2017	NUM
ajfa-17362	24	30	;	;	PUNCT
ajfa-17362	24	31	chaikovskyi	chaikovskyi	NOUN
ajfa-17362	24	32	&	&	CCONJ
ajfa-17362	24	33	kovlchuk	kovlchuk	PROPN
ajfa-17362	24	34	,	,	PUNCT
ajfa-17362	24	35	2019	2019	NUM
ajfa-17362	24	36	)	)	PUNCT
ajfa-17362	24	37	.	.	PUNCT
ajfa-17362	25	1	gary	gary	PROPN
ajfa-17362	25	2	(	(	PUNCT
ajfa-17362	25	3	2016	2016	NUM
ajfa-17362	25	4	)	)	PUNCT
ajfa-17362	25	5	documented	document	VERB
ajfa-17362	25	6	that	that	SCONJ
ajfa-17362	25	7	the	the	DET
ajfa-17362	25	8	evidence	evidence	NOUN
ajfa-17362	25	9	from	from	ADP
ajfa-17362	25	10	the	the	DET
ajfa-17362	25	11	various	various	ADJ
ajfa-17362	25	12	financial	financial	ADJ
ajfa-17362	25	13	crisis	crisis	NOUN
ajfa-17362	25	14	in	in	ADP
ajfa-17362	25	15	the	the	DET
ajfa-17362	25	16	financial	financial	ADJ
ajfa-17362	25	17	institutions	institution	NOUN
ajfa-17362	25	18	have	have	AUX
ajfa-17362	25	19	shown	show	VERB
ajfa-17362	25	20	that	that	SCONJ
ajfa-17362	25	21	the	the	DET
ajfa-17362	25	22	guidelines	guideline	NOUN
ajfa-17362	25	23	operated	operate	VERB
ajfa-17362	25	24	at	at	ADP
ajfa-17362	25	25	prior	prior	ADJ
ajfa-17362	25	26	years	year	NOUN
ajfa-17362	25	27	were	be	AUX
ajfa-17362	25	28	insufficient	insufficient	ADJ
ajfa-17362	25	29	to	to	PART
ajfa-17362	25	30	protect	protect	VERB
ajfa-17362	25	31	the	the	DET
ajfa-17362	25	32	banking	banking	NOUN
ajfa-17362	25	33	and	and	CCONJ
ajfa-17362	25	34	other	other	ADJ
ajfa-17362	25	35	financial	financial	ADJ
ajfa-17362	25	36	institutions	institution	NOUN
ajfa-17362	25	37	from	from	ADP
ajfa-17362	25	38	failure	failure	NOUN
ajfa-17362	25	39	.	.	PUNCT
ajfa-17362	26	1	it	it	PRON
ajfa-17362	26	2	was	be	AUX
ajfa-17362	26	3	observed	observe	VERB
ajfa-17362	26	4	that	that	SCONJ
ajfa-17362	26	5	an	an	DET
ajfa-17362	26	6	extreme	extreme	ADJ
ajfa-17362	26	7	debt	debt	NOUN
ajfa-17362	26	8	profile	profile	NOUN
ajfa-17362	26	9	,	,	PUNCT
ajfa-17362	26	10	inadequate	inadequate	ADJ
ajfa-17362	26	11	equity	equity	NOUN
ajfa-17362	26	12	funding	funding	NOUN
ajfa-17362	26	13	,	,	PUNCT
ajfa-17362	26	14	and	and	CCONJ
ajfa-17362	26	15	illiquidity	illiquidity	NOUN
ajfa-17362	26	16	challenges	challenge	NOUN
ajfa-17362	26	17	were	be	AUX
ajfa-17362	26	18	some	some	PRON
ajfa-17362	26	19	of	of	ADP
ajfa-17362	26	20	the	the	DET
ajfa-17362	26	21	deficiencies	deficiency	NOUN
ajfa-17362	26	22	that	that	PRON
ajfa-17362	26	23	deepened	deepen	VERB
ajfa-17362	26	24	the	the	DET
ajfa-17362	26	25	severity	severity	NOUN
ajfa-17362	26	26	of	of	ADP
ajfa-17362	26	27	the	the	DET
ajfa-17362	26	28	financial	financial	ADJ
ajfa-17362	26	29	crisis	crisis	NOUN
ajfa-17362	26	30	.	.	PUNCT
ajfa-17362	27	1	in	in	ADP
ajfa-17362	27	2	an	an	DET
ajfa-17362	27	3	effort	effort	NOUN
ajfa-17362	27	4	to	to	PART
ajfa-17362	27	5	alleviate	alleviate	VERB
ajfa-17362	27	6	effects	effect	NOUN
ajfa-17362	27	7	and	and	CCONJ
ajfa-17362	27	8	reduce	reduce	VERB
ajfa-17362	27	9	the	the	DET
ajfa-17362	27	10	frequency	frequency	NOUN
ajfa-17362	27	11	of	of	ADP
ajfa-17362	27	12	financial	financial	ADJ
ajfa-17362	27	13	crisis	crisis	NOUN
ajfa-17362	27	14	and/or	and/or	CCONJ
ajfa-17362	27	15	avoid	avoid	VERB
ajfa-17362	27	16	them	they	PRON
ajfa-17362	27	17	,	,	PUNCT
ajfa-17362	27	18	basel	basel	PROPN
ajfa-17362	27	19	iii	iii	PROPN
ajfa-17362	27	20	regulatory	regulatory	ADJ
ajfa-17362	27	21	reform	reform	NOUN
ajfa-17362	27	22	became	became	AUX
ajfa-17362	27	23	introduced	introduce	VERB
ajfa-17362	27	24	(	(	PUNCT
ajfa-17362	27	25	gelter	gelter	NOUN
ajfa-17362	27	26	,	,	PUNCT
ajfa-17362	27	27	2009	2009	NUM
ajfa-17362	27	28	,	,	PUNCT
ajfa-17362	27	29	gary	gary	PROPN
ajfa-17362	27	30	,	,	PUNCT
ajfa-17362	27	31	2016	2016	NUM
ajfa-17362	27	32	)	)	PUNCT
ajfa-17362	27	33	.	.	PUNCT
ajfa-17362	28	1	the	the	DET
ajfa-17362	28	2	basel	basel	PROPN
ajfa-17362	28	3	ii	ii	PROPN
ajfa-17362	28	4	and	and	CCONJ
ajfa-17362	28	5	basel	basel	PROPN
ajfa-17362	28	6	iii	iii	PROPN
ajfa-17362	28	7	agreements	agreement	NOUN
ajfa-17362	28	8	have	have	VERB
ajfa-17362	28	9	a	a	DET
ajfa-17362	28	10	far	far	ADV
ajfa-17362	28	11	-	-	PUNCT
ajfa-17362	28	12	reaching	reach	VERB
ajfa-17362	28	13	influence	influence	NOUN
ajfa-17362	28	14	on	on	ADP
ajfa-17362	28	15	shareholders	shareholder	NOUN
ajfa-17362	28	16	wealth	wealth	NOUN
ajfa-17362	28	17	maximization	maximization	NOUN
ajfa-17362	28	18	and	and	CCONJ
ajfa-17362	28	19	equity	equity	NOUN
ajfa-17362	28	20	returns	return	NOUN
ajfa-17362	28	21	,	,	PUNCT
ajfa-17362	28	22	as	as	SCONJ
ajfa-17362	28	23	a	a	DET
ajfa-17362	28	24	change	change	NOUN
ajfa-17362	28	25	in	in	ADP
ajfa-17362	28	26	the	the	DET
ajfa-17362	28	27	equity	equity	NOUN
ajfa-17362	28	28	requirements	requirement	NOUN
ajfa-17362	28	29	has	have	VERB
ajfa-17362	28	30	an	an	DET
ajfa-17362	28	31	effect	effect	NOUN
ajfa-17362	28	32	on	on	ADP
ajfa-17362	28	33	the	the	DET
ajfa-17362	28	34	equity	equity	NOUN
ajfa-17362	28	35	returns	return	NOUN
ajfa-17362	28	36	performance	performance	NOUN
ajfa-17362	28	37	measures	measure	NOUN
ajfa-17362	28	38	of	of	ADP
ajfa-17362	28	39	the	the	DET
ajfa-17362	28	40	bank	bank	NOUN
ajfa-17362	28	41	managers	manager	NOUN
ajfa-17362	28	42	(	(	PUNCT
ajfa-17362	28	43	institute	institute	NOUN
ajfa-17362	28	44	of	of	ADP
ajfa-17362	28	45	company	company	NOUN
ajfa-17362	28	46	secretaries	secretary	NOUN
ajfa-17362	28	47	of	of	ADP
ajfa-17362	28	48	india	india	PROPN
ajfa-17362	28	49	,	,	PUNCT
ajfa-17362	28	50	2016	2016	NUM
ajfa-17362	28	51	)	)	PUNCT
ajfa-17362	28	52	.	.	PUNCT
ajfa-17362	29	1	as	as	SCONJ
ajfa-17362	29	2	expected	expect	VERB
ajfa-17362	29	3	,	,	PUNCT
ajfa-17362	29	4	higher	high	ADJ
ajfa-17362	29	5	equity	equity	NOUN
ajfa-17362	29	6	capital	capital	NOUN
ajfa-17362	29	7	influences	influence	VERB
ajfa-17362	29	8	higher	high	ADJ
ajfa-17362	29	9	dividend	dividend	NOUN
ajfa-17362	29	10	payment	payment	NOUN
ajfa-17362	29	11	and	and	CCONJ
ajfa-17362	29	12	increases	increase	VERB
ajfa-17362	29	13	earnings	earning	NOUN
ajfa-17362	29	14	per	per	ADP
ajfa-17362	29	15	share	share	NOUN
ajfa-17362	29	16	.	.	PUNCT
ajfa-17362	30	1	basically	basically	ADV
ajfa-17362	30	2	,	,	PUNCT
ajfa-17362	30	3	basel	basel	PROPN
ajfa-17362	30	4	iii	iii	PROPN
ajfa-17362	30	5	is	be	AUX
ajfa-17362	30	6	a	a	DET
ajfa-17362	30	7	major	major	ADJ
ajfa-17362	30	8	post	post	ADJ
ajfa-17362	30	9	-	-	ADJ
ajfa-17362	30	10	crisis	crisis	ADJ
ajfa-17362	30	11	response	response	NOUN
ajfa-17362	30	12	to	to	ADP
ajfa-17362	30	13	the	the	DET
ajfa-17362	30	14	problem	problem	NOUN
ajfa-17362	30	15	of	of	ADP
ajfa-17362	30	16	supervising	supervise	VERB
ajfa-17362	30	17	banks	bank	NOUN
ajfa-17362	30	18	,	,	PUNCT
ajfa-17362	30	19	following	follow	VERB
ajfa-17362	30	20	high	high	ADJ
ajfa-17362	30	21	profile	profile	NOUN
ajfa-17362	30	22	financial	financial	ADJ
ajfa-17362	30	23	crisis	crisis	NOUN
ajfa-17362	30	24	.	.	PUNCT
ajfa-17362	31	1	basel	basel	PROPN
ajfa-17362	31	2	iii	iii	PROPN
ajfa-17362	31	3	represents	represent	VERB
ajfa-17362	31	4	a	a	DET
ajfa-17362	31	5	substantial	substantial	ADJ
ajfa-17362	31	6	change	change	NOUN
ajfa-17362	31	7	on	on	ADP
ajfa-17362	31	8	the	the	DET
ajfa-17362	31	9	basel	basel	PROPN
ajfa-17362	31	10	ii	ii	PROPN
ajfa-17362	31	11	regulatory	regulatory	ADJ
ajfa-17362	31	12	guidelines	guideline	NOUN
ajfa-17362	31	13	,	,	PUNCT
ajfa-17362	31	14	with	with	ADP
ajfa-17362	31	15	the	the	DET
ajfa-17362	31	16	objective	objective	NOUN
ajfa-17362	31	17	of	of	ADP
ajfa-17362	31	18	having	have	VERB
ajfa-17362	31	19	a	a	DET
ajfa-17362	31	20	strong	strong	ADJ
ajfa-17362	31	21	regulatory	regulatory	ADJ
ajfa-17362	31	22	framework	framework	NOUN
ajfa-17362	31	23	that	that	PRON
ajfa-17362	31	24	will	will	AUX
ajfa-17362	31	25	ensure	ensure	VERB
ajfa-17362	31	26	strong	strong	ADJ
ajfa-17362	31	27	and	and	CCONJ
ajfa-17362	31	28	adequate	adequate	ADJ
ajfa-17362	31	29	equity	equity	NOUN
ajfa-17362	31	30	capital	capital	NOUN
ajfa-17362	31	31	base	base	NOUN
ajfa-17362	31	32	for	for	ADP
ajfa-17362	31	33	the	the	DET
ajfa-17362	31	34	institutions	institution	NOUN
ajfa-17362	31	35	(	(	PUNCT
ajfa-17362	31	36	bank	bank	PROPN
ajfa-17362	31	37	international	international	PROPN
ajfa-17362	31	38	settlement	settlement	NOUN
ajfa-17362	31	39	,	,	PUNCT
ajfa-17362	31	40	2013	2013	NUM
ajfa-17362	31	41	;	;	PUNCT
ajfa-17362	31	42	sharfman	sharfman	NOUN
ajfa-17362	31	43	,	,	PUNCT
ajfa-17362	31	44	2013	2013	NUM
ajfa-17362	31	45	)	)	PUNCT
ajfa-17362	31	46	.	.	PUNCT
ajfa-17362	32	1	consequently	consequently	ADV
ajfa-17362	32	2	,	,	PUNCT
ajfa-17362	32	3	the	the	DET
ajfa-17362	32	4	intension	intension	NOUN
ajfa-17362	32	5	of	of	ADP
ajfa-17362	32	6	a	a	DET
ajfa-17362	32	7	new	new	ADJ
ajfa-17362	32	8	basel	basel	PROPN
ajfa-17362	32	9	iii	iii	PROPN
ajfa-17362	32	10	is	be	AUX
ajfa-17362	32	11	to	to	PART
ajfa-17362	32	12	take	take	VERB
ajfa-17362	32	13	care	care	NOUN
ajfa-17362	32	14	of	of	ADP
ajfa-17362	32	15	the	the	DET
ajfa-17362	32	16	lapses	lapse	NOUN
ajfa-17362	32	17	that	that	PRON
ajfa-17362	32	18	basel	basel	PROPN
ajfa-17362	32	19	ii	ii	PROPN
ajfa-17362	32	20	could	could	AUX
ajfa-17362	32	21	not	not	PART
ajfa-17362	32	22	address	address	VERB
ajfa-17362	32	23	,	,	PUNCT
ajfa-17362	32	24	and	and	CCONJ
ajfa-17362	32	25	as	as	ADP
ajfa-17362	32	26	a	a	DET
ajfa-17362	32	27	result	result	NOUN
ajfa-17362	32	28	,	,	PUNCT
ajfa-17362	32	29	institute	institute	VERB
ajfa-17362	32	30	more	more	ADV
ajfa-17362	32	31	vibrant	vibrant	ADJ
ajfa-17362	32	32	and	and	CCONJ
ajfa-17362	32	33	sufficient	sufficient	ADJ
ajfa-17362	32	34	regulations	regulation	NOUN
ajfa-17362	32	35	that	that	PRON
ajfa-17362	32	36	will	will	AUX
ajfa-17362	32	37	ensure	ensure	VERB
ajfa-17362	32	38	adequate	adequate	ADJ
ajfa-17362	32	39	shareholders	shareholder	NOUN
ajfa-17362	32	40	’	'	PUNCT
ajfa-17362	32	41	equity	equity	NOUN
ajfa-17362	32	42	capital	capital	NOUN
ajfa-17362	32	43	and	and	CCONJ
ajfa-17362	32	44	excellently	excellently	ADV
ajfa-17362	32	45	handle	handle	VERB
ajfa-17362	32	46	unforeseen	unforeseen	ADJ
ajfa-17362	32	47	and	and	CCONJ
ajfa-17362	32	48	contingencies	contingency	NOUN
ajfa-17362	32	49	.	.	PUNCT
ajfa-17362	33	1	asian	asian	ADJ
ajfa-17362	33	2	journal	journal	PROPN
ajfa-17362	33	3	of	of	ADP
ajfa-17362	33	4	finance	finance	PROPN
ajfa-17362	33	5	&	&	CCONJ
ajfa-17362	33	6	accounting	accounting	PROPN
ajfa-17362	33	7	issn	issn	PROPN
ajfa-17362	33	8	1946	1946	NUM
ajfa-17362	33	9	-	-	PUNCT
ajfa-17362	33	10	052x	052x	NOUN
ajfa-17362	33	11	2020	2020	NUM
ajfa-17362	33	12	,	,	PUNCT
ajfa-17362	33	13	vol	vol	NOUN
ajfa-17362	33	14	.	.	PROPN
ajfa-17362	33	15	12	12	NUM
ajfa-17362	33	16	,	,	PUNCT
ajfa-17362	33	17	no	no	INTJ
ajfa-17362	33	18	.	.	NOUN
ajfa-17362	33	19	2	2	NUM
ajfa-17362	33	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	33	21	3	3	NUM
ajfa-17362	33	22	2	2	NUM
ajfa-17362	33	23	.	.	PUNCT
ajfa-17362	34	1	literature	literature	NOUN
ajfa-17362	34	2	review	review	VERB
ajfa-17362	34	3	2.1	2.1	NUM
ajfa-17362	34	4	operational	operational	ADJ
ajfa-17362	34	5	risk	risk	NOUN
ajfa-17362	34	6	operational	operational	ADJ
ajfa-17362	34	7	risk	risk	NOUN
ajfa-17362	34	8	is	be	AUX
ajfa-17362	34	9	crucial	crucial	ADJ
ajfa-17362	34	10	and	and	CCONJ
ajfa-17362	34	11	has	have	AUX
ajfa-17362	34	12	become	become	VERB
ajfa-17362	34	13	of	of	ADP
ajfa-17362	34	14	increasing	increase	VERB
ajfa-17362	34	15	concern	concern	NOUN
ajfa-17362	34	16	to	to	ADP
ajfa-17362	34	17	bank	bank	NOUN
ajfa-17362	34	18	regulations	regulation	NOUN
ajfa-17362	34	19	and	and	CCONJ
ajfa-17362	34	20	the	the	DET
ajfa-17362	34	21	regulations	regulation	NOUN
ajfa-17362	34	22	of	of	ADP
ajfa-17362	34	23	other	other	ADJ
ajfa-17362	34	24	financial	financial	ADJ
ajfa-17362	34	25	institutions	institution	NOUN
ajfa-17362	34	26	.	.	PUNCT
ajfa-17362	35	1	the	the	DET
ajfa-17362	35	2	operational	operational	ADJ
ajfa-17362	35	3	risk	risk	NOUN
ajfa-17362	35	4	which	which	PRON
ajfa-17362	35	5	arise	arise	VERB
ajfa-17362	35	6	from	from	ADP
ajfa-17362	35	7	mistakes	mistake	NOUN
ajfa-17362	35	8	,	,	PUNCT
ajfa-17362	35	9	incompetence	incompetence	NOUN
ajfa-17362	35	10	,	,	PUNCT
ajfa-17362	35	11	criminal	criminal	ADJ
ajfa-17362	35	12	acts	act	NOUN
ajfa-17362	35	13	,	,	PUNCT
ajfa-17362	35	14	qualitative	qualitative	ADJ
ajfa-17362	35	15	and	and	CCONJ
ajfa-17362	35	16	quantitative	quantitative	ADJ
ajfa-17362	35	17	unavailability	unavailability	NOUN
ajfa-17362	35	18	of	of	ADP
ajfa-17362	35	19	employees	employee	NOUN
ajfa-17362	35	20	,	,	PUNCT
ajfa-17362	35	21	failure	failure	NOUN
ajfa-17362	35	22	of	of	ADP
ajfa-17362	35	23	technical	technical	ADJ
ajfa-17362	35	24	systems	system	NOUN
ajfa-17362	35	25	,	,	PUNCT
ajfa-17362	35	26	and	and	CCONJ
ajfa-17362	35	27	dangers	danger	NOUN
ajfa-17362	35	28	resulting	result	VERB
ajfa-17362	35	29	from	from	ADP
ajfa-17362	35	30	external	external	ADJ
ajfa-17362	35	31	factors	factor	NOUN
ajfa-17362	35	32	such	such	ADJ
ajfa-17362	35	33	as	as	ADP
ajfa-17362	35	34	external	external	ADJ
ajfa-17362	35	35	fraud	fraud	NOUN
ajfa-17362	35	36	,	,	PUNCT
ajfa-17362	35	37	violence	violence	NOUN
ajfa-17362	35	38	,	,	PUNCT
ajfa-17362	35	39	physical	physical	ADJ
ajfa-17362	35	40	threats	threat	NOUN
ajfa-17362	35	41	or	or	CCONJ
ajfa-17362	35	42	natural	natural	ADJ
ajfa-17362	35	43	disasters	disaster	NOUN
ajfa-17362	35	44	as	as	ADV
ajfa-17362	35	45	well	well	ADV
ajfa-17362	35	46	as	as	ADP
ajfa-17362	35	47	legal	legal	ADJ
ajfa-17362	35	48	risk	risk	NOUN
ajfa-17362	35	49	can	can	AUX
ajfa-17362	35	50	be	be	AUX
ajfa-17362	35	51	countered	counter	VERB
ajfa-17362	35	52	(	(	PUNCT
ajfa-17362	35	53	nabweteme	nabweteme	ADJ
ajfa-17362	35	54	,	,	PUNCT
ajfa-17362	35	55	2015	2015	NUM
ajfa-17362	35	56	)	)	PUNCT
ajfa-17362	35	57	.	.	PUNCT
ajfa-17362	36	1	one	one	NUM
ajfa-17362	36	2	way	way	NOUN
ajfa-17362	36	3	financial	financial	ADJ
ajfa-17362	36	4	institutions	institution	NOUN
ajfa-17362	36	5	can	can	AUX
ajfa-17362	36	6	,	,	PUNCT
ajfa-17362	36	7	effectively	effectively	ADV
ajfa-17362	36	8	,	,	PUNCT
ajfa-17362	36	9	ameliorate	ameliorate	VERB
ajfa-17362	36	10	operational	operational	ADJ
ajfa-17362	36	11	risks	risk	NOUN
ajfa-17362	36	12	is	be	AUX
ajfa-17362	36	13	to	to	PART
ajfa-17362	36	14	invest	invest	VERB
ajfa-17362	36	15	a	a	DET
ajfa-17362	36	16	substantial	substantial	ADJ
ajfa-17362	36	17	amount	amount	NOUN
ajfa-17362	36	18	of	of	ADP
ajfa-17362	36	19	funds	fund	NOUN
ajfa-17362	36	20	in	in	ADP
ajfa-17362	36	21	the	the	DET
ajfa-17362	36	22	creation	creation	NOUN
ajfa-17362	36	23	of	of	ADP
ajfa-17362	36	24	a	a	DET
ajfa-17362	36	25	vigorous	vigorous	ADJ
ajfa-17362	36	26	and	and	CCONJ
ajfa-17362	36	27	viable	viable	ADJ
ajfa-17362	36	28	framework	framework	NOUN
ajfa-17362	36	29	.	.	PUNCT
ajfa-17362	37	1	also	also	ADV
ajfa-17362	37	2	,	,	PUNCT
ajfa-17362	37	3	this	this	PRON
ajfa-17362	37	4	involves	involve	VERB
ajfa-17362	37	5	collaborations	collaboration	NOUN
ajfa-17362	37	6	from	from	ADP
ajfa-17362	37	7	all	all	DET
ajfa-17362	37	8	banks	bank	NOUN
ajfa-17362	37	9	because	because	SCONJ
ajfa-17362	37	10	the	the	DET
ajfa-17362	37	11	highest	high	ADJ
ajfa-17362	37	12	threats	threat	NOUN
ajfa-17362	37	13	to	to	ADP
ajfa-17362	37	14	banks	bank	NOUN
ajfa-17362	37	15	are	be	AUX
ajfa-17362	37	16	coming	come	VERB
ajfa-17362	37	17	from	from	ADP
ajfa-17362	37	18	external	external	ADJ
ajfa-17362	37	19	events	event	NOUN
ajfa-17362	37	20	that	that	PRON
ajfa-17362	37	21	are	be	AUX
ajfa-17362	37	22	not	not	PART
ajfa-17362	37	23	controllable	controllable	ADJ
ajfa-17362	37	24	.	.	PUNCT
ajfa-17362	38	1	thus	thus	ADV
ajfa-17362	38	2	,	,	PUNCT
ajfa-17362	38	3	a	a	DET
ajfa-17362	38	4	single	single	ADJ
ajfa-17362	38	5	bank	bank	NOUN
ajfa-17362	38	6	effort	effort	NOUN
ajfa-17362	38	7	will	will	AUX
ajfa-17362	38	8	not	not	PART
ajfa-17362	38	9	be	be	AUX
ajfa-17362	38	10	sufficient	sufficient	ADJ
ajfa-17362	38	11	to	to	PART
ajfa-17362	38	12	mitigate	mitigate	VERB
ajfa-17362	38	13	operational	operational	ADJ
ajfa-17362	38	14	risks	risk	NOUN
ajfa-17362	38	15	.	.	PUNCT
ajfa-17362	39	1	as	as	ADP
ajfa-17362	39	2	a	a	DET
ajfa-17362	39	3	result	result	NOUN
ajfa-17362	39	4	,	,	PUNCT
ajfa-17362	39	5	the	the	DET
ajfa-17362	39	6	joint	joint	ADJ
ajfa-17362	39	7	actions	action	NOUN
ajfa-17362	39	8	of	of	ADP
ajfa-17362	39	9	all	all	DET
ajfa-17362	39	10	participants	participant	NOUN
ajfa-17362	39	11	in	in	ADP
ajfa-17362	39	12	the	the	DET
ajfa-17362	39	13	market	market	NOUN
ajfa-17362	39	14	are	be	AUX
ajfa-17362	39	15	required	require	VERB
ajfa-17362	39	16	for	for	ADP
ajfa-17362	39	17	effective	effective	ADJ
ajfa-17362	39	18	operational	operational	ADJ
ajfa-17362	39	19	risk	risk	NOUN
ajfa-17362	39	20	management	management	NOUN
ajfa-17362	39	21	.	.	PUNCT
ajfa-17362	40	1	one	one	NUM
ajfa-17362	40	2	of	of	ADP
ajfa-17362	40	3	the	the	DET
ajfa-17362	40	4	possible	possible	ADJ
ajfa-17362	40	5	solutions	solution	NOUN
ajfa-17362	40	6	could	could	AUX
ajfa-17362	40	7	be	be	AUX
ajfa-17362	40	8	the	the	DET
ajfa-17362	40	9	exchange	exchange	NOUN
ajfa-17362	40	10	of	of	ADP
ajfa-17362	40	11	risk	risk	NOUN
ajfa-17362	40	12	events	event	NOUN
ajfa-17362	40	13	data	datum	NOUN
ajfa-17362	40	14	between	between	ADP
ajfa-17362	40	15	banks	bank	NOUN
ajfa-17362	40	16	within	within	ADP
ajfa-17362	40	17	the	the	DET
ajfa-17362	40	18	same	same	ADJ
ajfa-17362	40	19	system	system	NOUN
ajfa-17362	40	20	and	and	CCONJ
ajfa-17362	40	21	putting	put	VERB
ajfa-17362	40	22	in	in	ADP
ajfa-17362	40	23	place	place	NOUN
ajfa-17362	40	24	a	a	DET
ajfa-17362	40	25	protocol	protocol	NOUN
ajfa-17362	40	26	for	for	ADP
ajfa-17362	40	27	blacklisting	blacklist	VERB
ajfa-17362	40	28	clients	client	NOUN
ajfa-17362	40	29	.	.	PUNCT
ajfa-17362	41	1	however	however	ADV
ajfa-17362	41	2	,	,	PUNCT
ajfa-17362	41	3	this	this	PRON
ajfa-17362	41	4	is	be	AUX
ajfa-17362	41	5	a	a	DET
ajfa-17362	41	6	problem	problem	NOUN
ajfa-17362	41	7	because	because	SCONJ
ajfa-17362	41	8	banks	bank	NOUN
ajfa-17362	41	9	are	be	AUX
ajfa-17362	41	10	reluctant	reluctant	ADJ
ajfa-17362	41	11	to	to	PART
ajfa-17362	41	12	share	share	VERB
ajfa-17362	41	13	data	datum	NOUN
ajfa-17362	41	14	or	or	CCONJ
ajfa-17362	41	15	in	in	ADP
ajfa-17362	41	16	house	house	NOUN
ajfa-17362	41	17	information	information	NOUN
ajfa-17362	41	18	(	(	PUNCT
ajfa-17362	41	19	knežević	knežević	PROPN
ajfa-17362	41	20	,	,	PUNCT
ajfa-17362	41	21	2013	2013	NUM
ajfa-17362	41	22	;	;	PUNCT
ajfa-17362	41	23	maixe	maixe	NOUN
ajfa-17362	41	24	-	-	PUNCT
ajfa-17362	41	25	altes	alte	NOUN
ajfa-17362	41	26	,	,	PUNCT
ajfa-17362	41	27	2019	2019	NUM
ajfa-17362	41	28	)	)	PUNCT
ajfa-17362	41	29	.	.	PUNCT
ajfa-17362	42	1	contrastingly	contrastingly	ADV
ajfa-17362	42	2	,	,	PUNCT
ajfa-17362	42	3	one	one	NUM
ajfa-17362	42	4	strange	strange	ADJ
ajfa-17362	42	5	phenomenon	phenomenon	NOUN
ajfa-17362	42	6	of	of	ADP
ajfa-17362	42	7	operations	operation	NOUN
ajfa-17362	42	8	risk	risk	NOUN
ajfa-17362	42	9	is	be	AUX
ajfa-17362	42	10	that	that	SCONJ
ajfa-17362	42	11	it	it	PRON
ajfa-17362	42	12	may	may	AUX
ajfa-17362	42	13	not	not	PART
ajfa-17362	42	14	be	be	AUX
ajfa-17362	42	15	evident	evident	ADJ
ajfa-17362	42	16	in	in	ADP
ajfa-17362	42	17	the	the	DET
ajfa-17362	42	18	reported	report	VERB
ajfa-17362	42	19	figures	figure	NOUN
ajfa-17362	42	20	on	on	ADP
ajfa-17362	42	21	banks	bank	NOUN
ajfa-17362	42	22	.	.	PUNCT
ajfa-17362	43	1	however	however	ADV
ajfa-17362	43	2	,	,	PUNCT
ajfa-17362	43	3	its	its	PRON
ajfa-17362	43	4	negative	negative	ADJ
ajfa-17362	43	5	effects	effect	NOUN
ajfa-17362	43	6	on	on	ADP
ajfa-17362	43	7	banks	bank	NOUN
ajfa-17362	43	8	'	'	PART
ajfa-17362	43	9	performance	performance	NOUN
ajfa-17362	43	10	may	may	AUX
ajfa-17362	43	11	develop	develop	VERB
ajfa-17362	43	12	suddenly	suddenly	ADV
ajfa-17362	43	13	and	and	CCONJ
ajfa-17362	43	14	might	might	AUX
ajfa-17362	43	15	also	also	ADV
ajfa-17362	43	16	be	be	AUX
ajfa-17362	43	17	of	of	ADP
ajfa-17362	43	18	huge	huge	ADJ
ajfa-17362	43	19	catastrophic	catastrophic	ADJ
ajfa-17362	43	20	dimensions	dimension	NOUN
ajfa-17362	43	21	.	.	PUNCT
ajfa-17362	44	1	recently	recently	ADV
ajfa-17362	44	2	nigerian	nigerian	ADJ
ajfa-17362	44	3	banks	bank	NOUN
ajfa-17362	44	4	posted	post	VERB
ajfa-17362	44	5	an	an	DET
ajfa-17362	44	6	improvement	improvement	NOUN
ajfa-17362	44	7	in	in	ADP
ajfa-17362	44	8	their	their	PRON
ajfa-17362	44	9	financial	financial	ADJ
ajfa-17362	44	10	performance	performance	NOUN
ajfa-17362	44	11	but	but	CCONJ
ajfa-17362	44	12	a	a	DET
ajfa-17362	44	13	fitch	fitch	PROPN
ajfa-17362	44	14	2018	2018	NUM
ajfa-17362	44	15	report	report	NOUN
ajfa-17362	44	16	pointed	point	VERB
ajfa-17362	44	17	out	out	ADP
ajfa-17362	44	18	an	an	DET
ajfa-17362	44	19	existing	exist	VERB
ajfa-17362	44	20	risk	risk	NOUN
ajfa-17362	44	21	surrounding	surround	VERB
ajfa-17362	44	22	most	most	ADJ
ajfa-17362	44	23	nigerian	nigerian	ADJ
ajfa-17362	44	24	banks	bank	NOUN
ajfa-17362	44	25	'	'	PART
ajfa-17362	44	26	performance	performance	NOUN
ajfa-17362	44	27	and	and	CCONJ
ajfa-17362	44	28	even	even	ADV
ajfa-17362	44	29	survival	survival	NOUN
ajfa-17362	44	30	.	.	PUNCT
ajfa-17362	45	1	also	also	ADV
ajfa-17362	45	2	,	,	PUNCT
ajfa-17362	45	3	higher	high	ADJ
ajfa-17362	45	4	us	us	PROPN
ajfa-17362	45	5	dollars	dollar	NOUN
ajfa-17362	45	6	were	be	AUX
ajfa-17362	45	7	used	use	VERB
ajfa-17362	45	8	to	to	PART
ajfa-17362	45	9	offset	offset	VERB
ajfa-17362	45	10	rising	rise	VERB
ajfa-17362	45	11	impairment	impairment	ADJ
ajfa-17362	45	12	charges	charge	NOUN
ajfa-17362	45	13	.	.	PUNCT
ajfa-17362	46	1	in	in	ADP
ajfa-17362	46	2	addition	addition	NOUN
ajfa-17362	46	3	,	,	PUNCT
ajfa-17362	46	4	large	large	ADJ
ajfa-17362	46	5	earnings	earning	NOUN
ajfa-17362	46	6	were	be	AUX
ajfa-17362	46	7	non	non	ADJ
ajfa-17362	46	8	-	-	ADJ
ajfa-17362	46	9	recurring	recurring	ADJ
ajfa-17362	46	10	.	.	PUNCT
ajfa-17362	47	1	the	the	DET
ajfa-17362	47	2	moody	moody	ADJ
ajfa-17362	47	3	report	report	NOUN
ajfa-17362	47	4	of	of	ADP
ajfa-17362	47	5	2018	2018	NUM
ajfa-17362	47	6	also	also	ADV
ajfa-17362	47	7	showed	show	VERB
ajfa-17362	47	8	similar	similar	ADJ
ajfa-17362	47	9	reports	report	NOUN
ajfa-17362	47	10	but	but	CCONJ
ajfa-17362	47	11	expressed	express	VERB
ajfa-17362	47	12	that	that	SCONJ
ajfa-17362	47	13	there	there	PRON
ajfa-17362	47	14	is	be	VERB
ajfa-17362	47	15	an	an	DET
ajfa-17362	47	16	increasing	increase	VERB
ajfa-17362	47	17	rise	rise	NOUN
ajfa-17362	47	18	in	in	ADP
ajfa-17362	47	19	loan	loan	NOUN
ajfa-17362	47	20	risk	risk	NOUN
ajfa-17362	47	21	and	and	CCONJ
ajfa-17362	47	22	worsening	worsen	VERB
ajfa-17362	47	23	asset	asset	NOUN
ajfa-17362	47	24	quality	quality	NOUN
ajfa-17362	47	25	(	(	PUNCT
ajfa-17362	47	26	aguguom	aguguom	NOUN
ajfa-17362	47	27	&	&	CCONJ
ajfa-17362	47	28	olaoye	olaoye	NOUN
ajfa-17362	47	29	,	,	PUNCT
ajfa-17362	47	30	2018	2018	NUM
ajfa-17362	47	31	;	;	PUNCT
ajfa-17362	47	32	isoh	isoh	NOUN
ajfa-17362	47	33	,	,	PUNCT
ajfa-17362	47	34	amnang	amnang	PROPN
ajfa-17362	47	35	&	&	CCONJ
ajfa-17362	47	36	nchang	nchang	PROPN
ajfa-17362	47	37	,	,	PUNCT
ajfa-17362	47	38	2020	2020	NUM
ajfa-17362	47	39	)	)	PUNCT
ajfa-17362	47	40	.	.	PUNCT
ajfa-17362	48	1	2.2	2.2	NUM
ajfa-17362	48	2	equity	equity	NOUN
ajfa-17362	48	3	returns	return	NOUN
ajfa-17362	48	4	equity	equity	NOUN
ajfa-17362	48	5	returns	return	NOUN
ajfa-17362	48	6	are	be	AUX
ajfa-17362	48	7	the	the	DET
ajfa-17362	48	8	whole	whole	ADJ
ajfa-17362	48	9	essence	essence	NOUN
ajfa-17362	48	10	of	of	ADP
ajfa-17362	48	11	equity	equity	NOUN
ajfa-17362	48	12	capital	capital	NOUN
ajfa-17362	48	13	investment	investment	NOUN
ajfa-17362	48	14	as	as	SCONJ
ajfa-17362	48	15	aligned	align	VERB
ajfa-17362	48	16	to	to	ADP
ajfa-17362	48	17	shareholders	shareholder	NOUN
ajfa-17362	48	18	'	'	PART
ajfa-17362	48	19	wealth	wealth	NOUN
ajfa-17362	48	20	maximization	maximization	NOUN
ajfa-17362	48	21	model	model	NOUN
ajfa-17362	48	22	(	(	PUNCT
ajfa-17362	48	23	swm	swm	ADJ
ajfa-17362	48	24	)	)	PUNCT
ajfa-17362	48	25	.	.	PUNCT
ajfa-17362	49	1	shareholders	shareholder	NOUN
ajfa-17362	49	2	wealth	wealth	NOUN
ajfa-17362	49	3	maximization	maximization	NOUN
ajfa-17362	49	4	,	,	PUNCT
ajfa-17362	49	5	contextually	contextually	ADV
ajfa-17362	49	6	,	,	PUNCT
ajfa-17362	49	7	implies	imply	VERB
ajfa-17362	49	8	the	the	DET
ajfa-17362	49	9	principles	principle	NOUN
ajfa-17362	49	10	that	that	PRON
ajfa-17362	49	11	advocate	advocate	VERB
ajfa-17362	49	12	corporate	corporate	ADJ
ajfa-17362	49	13	objective	objective	NOUN
ajfa-17362	49	14	or	or	CCONJ
ajfa-17362	49	15	that	that	SCONJ
ajfa-17362	49	16	the	the	DET
ajfa-17362	49	17	main	main	ADJ
ajfa-17362	49	18	objective	objective	NOUN
ajfa-17362	49	19	of	of	ADP
ajfa-17362	49	20	companies	company	NOUN
ajfa-17362	49	21	is	be	AUX
ajfa-17362	49	22	to	to	PART
ajfa-17362	49	23	maximize	maximize	VERB
ajfa-17362	49	24	equity	equity	NOUN
ajfa-17362	49	25	holders	holder	NOUN
ajfa-17362	49	26	'	'	PART
ajfa-17362	49	27	wealth	wealth	NOUN
ajfa-17362	49	28	and	and	CCONJ
ajfa-17362	49	29	ensure	ensure	VERB
ajfa-17362	49	30	that	that	SCONJ
ajfa-17362	49	31	all	all	DET
ajfa-17362	49	32	management	management	NOUN
ajfa-17362	49	33	decisions	decision	NOUN
ajfa-17362	49	34	be	be	AUX
ajfa-17362	49	35	tailored	tailor	VERB
ajfa-17362	49	36	towards	towards	ADP
ajfa-17362	49	37	achieving	achieve	VERB
ajfa-17362	49	38	this	this	DET
ajfa-17362	49	39	objective	objective	NOUN
ajfa-17362	49	40	.	.	PUNCT
ajfa-17362	50	1	by	by	ADP
ajfa-17362	50	2	implication	implication	NOUN
ajfa-17362	50	3	,	,	PUNCT
ajfa-17362	50	4	other	other	ADJ
ajfa-17362	50	5	objectives	objective	NOUN
ajfa-17362	50	6	of	of	ADP
ajfa-17362	50	7	the	the	DET
ajfa-17362	50	8	entity	entity	NOUN
ajfa-17362	50	9	should	should	AUX
ajfa-17362	50	10	be	be	AUX
ajfa-17362	50	11	jettisoned	jettison	VERB
ajfa-17362	50	12	and	and	CCONJ
ajfa-17362	50	13	groups	group	NOUN
ajfa-17362	50	14	interest	interest	NOUN
ajfa-17362	50	15	be	be	AUX
ajfa-17362	50	16	exploited	exploit	VERB
ajfa-17362	50	17	for	for	ADP
ajfa-17362	50	18	this	this	DET
ajfa-17362	50	19	singular	singular	ADJ
ajfa-17362	50	20	purpose	purpose	NOUN
ajfa-17362	50	21	(	(	PUNCT
ajfa-17362	50	22	fox	fox	PROPN
ajfa-17362	50	23	&	&	CCONJ
ajfa-17362	50	24	lorsch	lorsch	PROPN
ajfa-17362	50	25	,	,	PUNCT
ajfa-17362	50	26	2012	2012	NUM
ajfa-17362	50	27	)	)	PUNCT
ajfa-17362	50	28	.	.	PUNCT
ajfa-17362	51	1	critics	critic	NOUN
ajfa-17362	51	2	had	have	AUX
ajfa-17362	51	3	advanced	advance	VERB
ajfa-17362	51	4	that	that	SCONJ
ajfa-17362	51	5	shareholders	shareholder	NOUN
ajfa-17362	51	6	'	'	PART
ajfa-17362	51	7	wealth	wealth	NOUN
ajfa-17362	51	8	or	or	CCONJ
ajfa-17362	51	9	equity	equity	NOUN
ajfa-17362	51	10	holders	holder	NOUN
ajfa-17362	51	11	’	'	PUNCT
ajfa-17362	51	12	returns	return	NOUN
ajfa-17362	51	13	-	-	PUNCT
ajfa-17362	51	14	maximization	maximization	NOUN
ajfa-17362	51	15	model	model	NOUN
ajfa-17362	51	16	do	do	AUX
ajfa-17362	51	17	exist	exist	VERB
ajfa-17362	51	18	theoretically	theoretically	ADV
ajfa-17362	51	19	and	and	CCONJ
ajfa-17362	51	20	dogmatically	dogmatically	ADV
ajfa-17362	51	21	,	,	PUNCT
ajfa-17362	51	22	rather	rather	ADV
ajfa-17362	51	23	they	they	PRON
ajfa-17362	51	24	are	be	AUX
ajfa-17362	51	25	underlying	underlie	VERB
ajfa-17362	51	26	economic	economic	ADJ
ajfa-17362	51	27	agenda	agenda	NOUN
ajfa-17362	51	28	of	of	ADP
ajfa-17362	51	29	the	the	DET
ajfa-17362	51	30	managers	manager	NOUN
ajfa-17362	51	31	.	.	PUNCT
ajfa-17362	52	1	incidentally	incidentally	ADV
ajfa-17362	52	2	,	,	PUNCT
ajfa-17362	52	3	managers	manager	NOUN
ajfa-17362	52	4	are	be	AUX
ajfa-17362	52	5	persuaded	persuade	VERB
ajfa-17362	52	6	and	and	CCONJ
ajfa-17362	52	7	highly	highly	ADV
ajfa-17362	52	8	motivated	motivated	ADJ
ajfa-17362	52	9	to	to	PART
ajfa-17362	52	10	carry	carry	VERB
ajfa-17362	52	11	out	out	ADP
ajfa-17362	52	12	decisions	decision	NOUN
ajfa-17362	52	13	to	to	PART
ajfa-17362	52	14	maximize	maximize	VERB
ajfa-17362	52	15	equity	equity	NOUN
ajfa-17362	52	16	returns	return	NOUN
ajfa-17362	52	17	for	for	ADP
ajfa-17362	52	18	many	many	ADJ
ajfa-17362	52	19	reasons	reason	NOUN
ajfa-17362	52	20	.	.	PUNCT
ajfa-17362	53	1	these	these	DET
ajfa-17362	53	2	reasons	reason	NOUN
ajfa-17362	53	3	include	include	VERB
ajfa-17362	53	4	firstly	firstly	ADV
ajfa-17362	53	5	,	,	PUNCT
ajfa-17362	53	6	to	to	PART
ajfa-17362	53	7	protect	protect	VERB
ajfa-17362	53	8	and	and	CCONJ
ajfa-17362	53	9	retain	retain	VERB
ajfa-17362	53	10	their	their	PRON
ajfa-17362	53	11	managerial	managerial	ADJ
ajfa-17362	53	12	positions	position	NOUN
ajfa-17362	53	13	;	;	PUNCT
ajfa-17362	53	14	and	and	CCONJ
ajfa-17362	53	15	secondly	secondly	ADV
ajfa-17362	53	16	,	,	PUNCT
ajfa-17362	53	17	to	to	PART
ajfa-17362	53	18	target	target	VERB
ajfa-17362	53	19	higher	high	ADJ
ajfa-17362	53	20	bonuses	bonus	NOUN
ajfa-17362	53	21	which	which	PRON
ajfa-17362	53	22	results	result	VERB
ajfa-17362	53	23	from	from	ADP
ajfa-17362	53	24	higher	high	ADJ
ajfa-17362	53	25	earnings	earning	NOUN
ajfa-17362	53	26	,	,	PUNCT
ajfa-17362	53	27	and	and	CCONJ
ajfa-17362	53	28	thirdly	thirdly	ADV
ajfa-17362	53	29	,	,	PUNCT
ajfa-17362	53	30	for	for	ADP
ajfa-17362	53	31	their	their	PRON
ajfa-17362	53	32	individual	individual	ADJ
ajfa-17362	53	33	interests	interest	NOUN
ajfa-17362	53	34	as	as	ADP
ajfa-17362	53	35	managers	manager	NOUN
ajfa-17362	53	36	.	.	PUNCT
ajfa-17362	54	1	to	to	PART
ajfa-17362	54	2	achieve	achieve	VERB
ajfa-17362	54	3	expected	expect	VERB
ajfa-17362	54	4	equity	equity	NOUN
ajfa-17362	54	5	returns	return	NOUN
ajfa-17362	54	6	,	,	PUNCT
ajfa-17362	54	7	the	the	DET
ajfa-17362	54	8	managers	manager	NOUN
ajfa-17362	54	9	take	take	VERB
ajfa-17362	54	10	decisions	decision	NOUN
ajfa-17362	54	11	that	that	PRON
ajfa-17362	54	12	will	will	AUX
ajfa-17362	54	13	yield	yield	VERB
ajfa-17362	54	14	quick	quick	ADJ
ajfa-17362	54	15	returns	return	NOUN
ajfa-17362	54	16	,	,	PUNCT
ajfa-17362	54	17	engage	engage	VERB
ajfa-17362	54	18	in	in	ADP
ajfa-17362	54	19	discretionary	discretionary	ADJ
ajfa-17362	54	20	and	and	CCONJ
ajfa-17362	54	21	earning	earn	VERB
ajfa-17362	54	22	management	management	NOUN
ajfa-17362	54	23	through	through	ADP
ajfa-17362	54	24	privileged	privileged	ADJ
ajfa-17362	54	25	information	information	NOUN
ajfa-17362	54	26	,	,	PUNCT
ajfa-17362	54	27	information	information	NOUN
ajfa-17362	54	28	asymmetry	asymmetry	NOUN
ajfa-17362	54	29	,	,	PUNCT
ajfa-17362	54	30	insider	insider	NOUN
ajfa-17362	54	31	dealings	dealing	NOUN
ajfa-17362	54	32	,	,	PUNCT
ajfa-17362	54	33	manipulating	manipulate	VERB
ajfa-17362	54	34	stock	stock	NOUN
ajfa-17362	54	35	prices	price	NOUN
ajfa-17362	54	36	,	,	PUNCT
ajfa-17362	54	37	and	and	CCONJ
ajfa-17362	54	38	bonus	bonus	NOUN
ajfa-17362	54	39	incentives	incentive	NOUN
ajfa-17362	54	40	.	.	PUNCT
ajfa-17362	55	1	equity	equity	NOUN
ajfa-17362	55	2	returns	return	NOUN
ajfa-17362	55	3	on	on	ADP
ajfa-17362	55	4	an	an	DET
ajfa-17362	55	5	asset	asset	NOUN
ajfa-17362	55	6	is	be	AUX
ajfa-17362	55	7	the	the	DET
ajfa-17362	55	8	most	most	ADV
ajfa-17362	55	9	asian	asian	ADJ
ajfa-17362	55	10	journal	journal	NOUN
ajfa-17362	55	11	of	of	ADP
ajfa-17362	55	12	finance	finance	PROPN
ajfa-17362	55	13	&	&	CCONJ
ajfa-17362	55	14	accounting	accounting	PROPN
ajfa-17362	55	15	issn	issn	PROPN
ajfa-17362	55	16	1946	1946	NUM
ajfa-17362	55	17	-	-	PUNCT
ajfa-17362	55	18	052x	052x	NOUN
ajfa-17362	55	19	2020	2020	NUM
ajfa-17362	55	20	,	,	PUNCT
ajfa-17362	55	21	vol	vol	NOUN
ajfa-17362	55	22	.	.	PROPN
ajfa-17362	55	23	12	12	NUM
ajfa-17362	55	24	,	,	PUNCT
ajfa-17362	55	25	no	no	INTJ
ajfa-17362	55	26	.	.	NOUN
ajfa-17362	55	27	2	2	NUM
ajfa-17362	55	28	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	55	29	4	4	NUM
ajfa-17362	55	30	widely	widely	ADV
ajfa-17362	55	31	-	-	PUNCT
ajfa-17362	55	32	used	use	VERB
ajfa-17362	55	33	measure	measure	NOUN
ajfa-17362	55	34	of	of	ADP
ajfa-17362	55	35	performances	performance	NOUN
ajfa-17362	55	36	,	,	PUNCT
ajfa-17362	55	37	and	and	CCONJ
ajfa-17362	55	38	this	this	PRON
ajfa-17362	55	39	assists	assist	VERB
ajfa-17362	55	40	banks	bank	NOUN
ajfa-17362	55	41	and	and	CCONJ
ajfa-17362	55	42	other	other	ADJ
ajfa-17362	55	43	financial	financial	ADJ
ajfa-17362	55	44	institutions	institution	NOUN
ajfa-17362	55	45	in	in	ADP
ajfa-17362	55	46	assessing	assess	VERB
ajfa-17362	55	47	their	their	PRON
ajfa-17362	55	48	ability	ability	NOUN
ajfa-17362	55	49	to	to	PART
ajfa-17362	55	50	satisfy	satisfy	VERB
ajfa-17362	55	51	equity	equity	NOUN
ajfa-17362	55	52	capital	capital	PROPN
ajfa-17362	55	53	holders	holder	NOUN
ajfa-17362	55	54	’	'	PUNCT
ajfa-17362	55	55	expectations	expectation	NOUN
ajfa-17362	55	56	(	(	PUNCT
ajfa-17362	55	57	ican	ican	ADJ
ajfa-17362	55	58	,	,	PUNCT
ajfa-17362	55	59	2014	2014	NUM
ajfa-17362	55	60	)	)	PUNCT
ajfa-17362	55	61	.	.	PUNCT
ajfa-17362	56	1	2.3	2.3	NUM
ajfa-17362	56	2	credit	credit	NOUN
ajfa-17362	56	3	risk	risk	NOUN
ajfa-17362	56	4	against	against	ADP
ajfa-17362	56	5	the	the	DET
ajfa-17362	56	6	backdrop	backdrop	NOUN
ajfa-17362	56	7	of	of	ADP
ajfa-17362	56	8	the	the	DET
ajfa-17362	56	9	recent	recent	ADJ
ajfa-17362	56	10	events	event	NOUN
ajfa-17362	56	11	,	,	PUNCT
ajfa-17362	56	12	credit	credit	NOUN
ajfa-17362	56	13	risk	risk	NOUN
ajfa-17362	56	14	is	be	AUX
ajfa-17362	56	15	considered	consider	VERB
ajfa-17362	56	16	one	one	NUM
ajfa-17362	56	17	of	of	ADP
ajfa-17362	56	18	the	the	DET
ajfa-17362	56	19	single	single	ADJ
ajfa-17362	56	20	source	source	NOUN
ajfa-17362	56	21	of	of	ADP
ajfa-17362	56	22	risk	risk	NOUN
ajfa-17362	56	23	for	for	ADP
ajfa-17362	56	24	most	most	ADJ
ajfa-17362	56	25	financial	financial	ADJ
ajfa-17362	56	26	institutions	institution	NOUN
ajfa-17362	56	27	and	and	CCONJ
ajfa-17362	56	28	in	in	ADP
ajfa-17362	56	29	particular	particular	ADJ
ajfa-17362	56	30	deposit	deposit	NOUN
ajfa-17362	56	31	money	money	NOUN
ajfa-17362	56	32	banks	bank	NOUN
ajfa-17362	56	33	in	in	ADP
ajfa-17362	56	34	nigeria	nigeria	PROPN
ajfa-17362	56	35	and	and	CCONJ
ajfa-17362	56	36	other	other	ADJ
ajfa-17362	56	37	developing	develop	VERB
ajfa-17362	56	38	economies	economy	NOUN
ajfa-17362	56	39	(	(	PUNCT
ajfa-17362	56	40	aguguom	aguguom	NOUN
ajfa-17362	56	41	&	&	CCONJ
ajfa-17362	56	42	olaoye	olaoye	NOUN
ajfa-17362	56	43	,	,	PUNCT
ajfa-17362	56	44	2019	2019	NUM
ajfa-17362	56	45	;	;	PUNCT
ajfa-17362	56	46	gadzo	gadzo	PROPN
ajfa-17362	56	47	,	,	PUNCT
ajfa-17362	56	48	kportorgbi	kportorgbi	PROPN
ajfa-17362	56	49	&	&	CCONJ
ajfa-17362	56	50	gatsi	gatsi	PROPN
ajfa-17362	56	51	,	,	PUNCT
ajfa-17362	56	52	2019	2019	NUM
ajfa-17362	56	53	)	)	PUNCT
ajfa-17362	56	54	.	.	PUNCT
ajfa-17362	57	1	it	it	PRON
ajfa-17362	57	2	has	have	AUX
ajfa-17362	57	3	been	be	AUX
ajfa-17362	57	4	a	a	DET
ajfa-17362	57	5	significant	significant	ADJ
ajfa-17362	57	6	factor	factor	NOUN
ajfa-17362	57	7	in	in	ADP
ajfa-17362	57	8	many	many	ADJ
ajfa-17362	57	9	bank	bank	NOUN
ajfa-17362	57	10	failures	failure	NOUN
ajfa-17362	57	11	and	and	CCONJ
ajfa-17362	57	12	unceremonious	unceremonious	ADJ
ajfa-17362	57	13	collapses	collapse	NOUN
ajfa-17362	57	14	,	,	PUNCT
ajfa-17362	57	15	near	near	ADP
ajfa-17362	57	16	-	-	PUNCT
ajfa-17362	57	17	collapses	collapse	NOUN
ajfa-17362	57	18	and	and	CCONJ
ajfa-17362	57	19	financial	financial	ADJ
ajfa-17362	57	20	system	system	NOUN
ajfa-17362	57	21	crisis	crisis	NOUN
ajfa-17362	57	22	(	(	PUNCT
ajfa-17362	57	23	jones	jones	PROPN
ajfa-17362	57	24	&	&	CCONJ
ajfa-17362	57	25	will	will	AUX
ajfa-17362	57	26	,	,	PUNCT
ajfa-17362	57	27	2013	2013	NUM
ajfa-17362	57	28	)	)	PUNCT
ajfa-17362	57	29	.	.	PUNCT
ajfa-17362	58	1	credit	credit	NOUN
ajfa-17362	58	2	risk	risk	NOUN
ajfa-17362	58	3	management	management	NOUN
ajfa-17362	58	4	is	be	AUX
ajfa-17362	58	5	essentially	essentially	ADV
ajfa-17362	58	6	expedient	expedient	ADJ
ajfa-17362	58	7	for	for	ADP
ajfa-17362	58	8	financial	financial	ADJ
ajfa-17362	58	9	institutions	institution	NOUN
ajfa-17362	58	10	managers	manager	NOUN
ajfa-17362	58	11	because	because	SCONJ
ajfa-17362	58	12	it	it	PRON
ajfa-17362	58	13	determines	determine	VERB
ajfa-17362	58	14	several	several	ADJ
ajfa-17362	58	15	important	important	ADJ
ajfa-17362	58	16	features	feature	NOUN
ajfa-17362	58	17	of	of	ADP
ajfa-17362	58	18	loans	loan	NOUN
ajfa-17362	58	19	such	such	ADJ
ajfa-17362	58	20	as	as	ADP
ajfa-17362	58	21	interest	interest	NOUN
ajfa-17362	58	22	rate	rate	NOUN
ajfa-17362	58	23	,	,	PUNCT
ajfa-17362	58	24	maturity	maturity	NOUN
ajfa-17362	58	25	and	and	CCONJ
ajfa-17362	58	26	collateral	collateral	NOUN
ajfa-17362	58	27	.	.	PUNCT
ajfa-17362	59	1	as	as	SCONJ
ajfa-17362	59	2	credit	credit	NOUN
ajfa-17362	59	3	risks	risk	NOUN
ajfa-17362	59	4	get	get	VERB
ajfa-17362	59	5	potentially	potentially	ADV
ajfa-17362	59	6	riskier	risky	ADJ
ajfa-17362	59	7	,	,	PUNCT
ajfa-17362	59	8	projects	project	NOUN
ajfa-17362	59	9	such	such	ADJ
ajfa-17362	59	10	as	as	ADP
ajfa-17362	59	11	loans	loan	NOUN
ajfa-17362	59	12	and	and	CCONJ
ajfa-17362	59	13	advances	advance	NOUN
ajfa-17362	59	14	require	require	VERB
ajfa-17362	59	15	a	a	DET
ajfa-17362	59	16	more	more	ADV
ajfa-17362	59	17	in	in	ADP
ajfa-17362	59	18	-	-	PUNCT
ajfa-17362	59	19	depth	depth	NOUN
ajfa-17362	59	20	analysis	analysis	NOUN
ajfa-17362	59	21	and	and	CCONJ
ajfa-17362	59	22	evaluation	evaluation	NOUN
ajfa-17362	59	23	before	before	SCONJ
ajfa-17362	59	24	they	they	PRON
ajfa-17362	59	25	are	be	AUX
ajfa-17362	59	26	approved	approve	VERB
ajfa-17362	59	27	.	.	PUNCT
ajfa-17362	60	1	apparently	apparently	ADV
ajfa-17362	60	2	,	,	PUNCT
ajfa-17362	60	3	if	if	SCONJ
ajfa-17362	60	4	credit	credit	NOUN
ajfa-17362	60	5	risk	risk	NOUN
ajfa-17362	60	6	is	be	AUX
ajfa-17362	60	7	inadequate	inadequate	ADJ
ajfa-17362	60	8	,	,	PUNCT
ajfa-17362	60	9	default	default	NOUN
ajfa-17362	60	10	rates	rate	NOUN
ajfa-17362	60	11	would	would	AUX
ajfa-17362	60	12	be	be	AUX
ajfa-17362	60	13	higher	high	ADJ
ajfa-17362	60	14	and	and	CCONJ
ajfa-17362	60	15	push	push	VERB
ajfa-17362	60	16	financial	financial	ADJ
ajfa-17362	60	17	institutions	institution	NOUN
ajfa-17362	60	18	into	into	ADP
ajfa-17362	60	19	insolvency	insolvency	NOUN
ajfa-17362	60	20	.	.	PUNCT
ajfa-17362	61	1	this	this	PRON
ajfa-17362	61	2	is	be	AUX
ajfa-17362	61	3	with	with	ADP
ajfa-17362	61	4	particular	particular	ADJ
ajfa-17362	61	5	reference	reference	NOUN
ajfa-17362	61	6	to	to	ADP
ajfa-17362	61	7	situations	situation	NOUN
ajfa-17362	61	8	where	where	SCONJ
ajfa-17362	61	9	the	the	DET
ajfa-17362	61	10	markets	market	NOUN
ajfa-17362	61	11	are	be	AUX
ajfa-17362	61	12	competitive	competitive	ADJ
ajfa-17362	61	13	and	and	CCONJ
ajfa-17362	61	14	the	the	DET
ajfa-17362	61	15	margins	margin	NOUN
ajfa-17362	61	16	are	be	AUX
ajfa-17362	61	17	low	low	ADJ
ajfa-17362	61	18	,	,	PUNCT
ajfa-17362	61	19	especially	especially	ADV
ajfa-17362	61	20	,	,	PUNCT
ajfa-17362	61	21	among	among	ADP
ajfa-17362	61	22	banks	bank	NOUN
ajfa-17362	61	23	in	in	ADP
ajfa-17362	61	24	emerging	emerge	VERB
ajfa-17362	61	25	economies	economy	NOUN
ajfa-17362	61	26	.	.	PUNCT
ajfa-17362	62	1	2.4	2.4	NUM
ajfa-17362	62	2	insolvency	insolvency	NOUN
ajfa-17362	62	3	risk	risk	NOUN
ajfa-17362	62	4	as	as	ADP
ajfa-17362	62	5	operational	operational	ADJ
ajfa-17362	62	6	risk	risk	NOUN
ajfa-17362	62	7	is	be	AUX
ajfa-17362	62	8	devastating	devastating	ADJ
ajfa-17362	62	9	and	and	CCONJ
ajfa-17362	62	10	capable	capable	ADJ
ajfa-17362	62	11	of	of	ADP
ajfa-17362	62	12	destabilizing	destabilize	VERB
ajfa-17362	62	13	an	an	DET
ajfa-17362	62	14	institution	institution	NOUN
ajfa-17362	62	15	.	.	PUNCT
ajfa-17362	63	1	thus	thus	ADV
ajfa-17362	63	2	,	,	PUNCT
ajfa-17362	63	3	one	one	NUM
ajfa-17362	63	4	of	of	ADP
ajfa-17362	63	5	the	the	DET
ajfa-17362	63	6	protections	protection	NOUN
ajfa-17362	63	7	against	against	ADP
ajfa-17362	63	8	operational	operational	ADJ
ajfa-17362	63	9	risk	risk	NOUN
ajfa-17362	63	10	is	be	AUX
ajfa-17362	63	11	to	to	PART
ajfa-17362	63	12	mitigate	mitigate	VERB
ajfa-17362	63	13	against	against	ADP
ajfa-17362	63	14	insolvency	insolvency	NOUN
ajfa-17362	63	15	risk	risk	NOUN
ajfa-17362	63	16	and	and	CCONJ
ajfa-17362	63	17	reduce	reduce	VERB
ajfa-17362	63	18	failures	failure	NOUN
ajfa-17362	63	19	in	in	ADP
ajfa-17362	63	20	financials	financial	NOUN
ajfa-17362	63	21	’	'	PUNCT
ajfa-17362	63	22	institutions	institution	NOUN
ajfa-17362	63	23	capital	capital	NOUN
ajfa-17362	63	24	(	(	PUNCT
ajfa-17362	63	25	pracoyo	pracoyo	PROPN
ajfa-17362	63	26	&	&	CCONJ
ajfa-17362	63	27	imani	imani	PROPN
ajfa-17362	63	28	,	,	PUNCT
ajfa-17362	63	29	2018	2018	NUM
ajfa-17362	63	30	;	;	PUNCT
ajfa-17362	63	31	nurlida	nurlida	ADV
ajfa-17362	63	32	,	,	PUNCT
ajfa-17362	63	33	2017	2017	NUM
ajfa-17362	63	34	)	)	PUNCT
ajfa-17362	63	35	.	.	PUNCT
ajfa-17362	64	1	adequate	adequate	ADJ
ajfa-17362	64	2	equity	equity	NOUN
ajfa-17362	64	3	capital	capital	NOUN
ajfa-17362	64	4	is	be	AUX
ajfa-17362	64	5	capable	capable	ADJ
ajfa-17362	64	6	of	of	ADP
ajfa-17362	64	7	absorbing	absorb	VERB
ajfa-17362	64	8	unanticipated	unanticipated	ADJ
ajfa-17362	64	9	loses	lose	VERB
ajfa-17362	64	10	if	if	SCONJ
ajfa-17362	64	11	there	there	PRON
ajfa-17362	64	12	is	be	VERB
ajfa-17362	64	13	enough	enough	ADJ
ajfa-17362	64	14	margin	margin	NOUN
ajfa-17362	64	15	to	to	PART
ajfa-17362	64	16	inspire	inspire	VERB
ajfa-17362	64	17	confidence	confidence	NOUN
ajfa-17362	64	18	and	and	CCONJ
ajfa-17362	64	19	enable	enable	VERB
ajfa-17362	64	20	the	the	DET
ajfa-17362	64	21	financial	financial	ADJ
ajfa-17362	64	22	situations	situation	NOUN
ajfa-17362	64	23	to	to	PART
ajfa-17362	64	24	continue	continue	VERB
ajfa-17362	64	25	as	as	ADP
ajfa-17362	64	26	a	a	DET
ajfa-17362	64	27	going	go	VERB
ajfa-17362	64	28	entity	entity	NOUN
ajfa-17362	64	29	(	(	PUNCT
ajfa-17362	64	30	aguguom	aguguom	NOUN
ajfa-17362	64	31	&	&	CCONJ
ajfa-17362	64	32	salawu	salawu	NOUN
ajfa-17362	64	33	,	,	PUNCT
ajfa-17362	64	34	2018	2018	NUM
ajfa-17362	64	35	)	)	PUNCT
ajfa-17362	64	36	.	.	PUNCT
ajfa-17362	65	1	adequate	adequate	ADJ
ajfa-17362	65	2	capital	capital	NOUN
ajfa-17362	65	3	of	of	ADP
ajfa-17362	65	4	a	a	DET
ajfa-17362	65	5	financial	financial	ADJ
ajfa-17362	65	6	institution	institution	NOUN
ajfa-17362	65	7	,	,	PUNCT
ajfa-17362	65	8	ultimately	ultimately	ADV
ajfa-17362	65	9	,	,	PUNCT
ajfa-17362	65	10	offers	offer	VERB
ajfa-17362	65	11	protections	protection	NOUN
ajfa-17362	65	12	for	for	ADP
ajfa-17362	65	13	uninsured	uninsured	ADJ
ajfa-17362	65	14	depositors	depositor	NOUN
ajfa-17362	65	15	,	,	PUNCT
ajfa-17362	65	16	bondholders	bondholder	NOUN
ajfa-17362	65	17	,	,	PUNCT
ajfa-17362	65	18	and	and	CCONJ
ajfa-17362	65	19	creditors	creditor	NOUN
ajfa-17362	65	20	,	,	PUNCT
ajfa-17362	65	21	in	in	ADP
ajfa-17362	65	22	the	the	DET
ajfa-17362	65	23	event	event	NOUN
ajfa-17362	65	24	of	of	ADP
ajfa-17362	65	25	insolvency	insolvency	NOUN
ajfa-17362	65	26	and	and	CCONJ
ajfa-17362	65	27	liquidation	liquidation	NOUN
ajfa-17362	65	28	.	.	PUNCT
ajfa-17362	66	1	2.5	2.5	NUM
ajfa-17362	66	2	empirical	empirical	ADJ
ajfa-17362	66	3	review	review	PROPN
ajfa-17362	66	4	mostafa	mostafa	PROPN
ajfa-17362	66	5	,	,	PUNCT
ajfa-17362	66	6	mahmoud	mahmoud	PROPN
ajfa-17362	66	7	,	,	PUNCT
ajfa-17362	66	8	jalal	jalal	PROPN
ajfa-17362	66	9	and	and	CCONJ
ajfa-17362	66	10	elahe	elahe	PROPN
ajfa-17362	66	11	(	(	PUNCT
ajfa-17362	66	12	2016	2016	NUM
ajfa-17362	66	13	)	)	PUNCT
ajfa-17362	66	14	conducted	conduct	VERB
ajfa-17362	66	15	a	a	DET
ajfa-17362	66	16	study	study	NOUN
ajfa-17362	66	17	to	to	PART
ajfa-17362	66	18	determine	determine	VERB
ajfa-17362	66	19	the	the	DET
ajfa-17362	66	20	relationship	relationship	NOUN
ajfa-17362	66	21	between	between	ADP
ajfa-17362	66	22	financial	financial	ADJ
ajfa-17362	66	23	risk	risk	NOUN
ajfa-17362	66	24	and	and	CCONJ
ajfa-17362	66	25	profitability	profitability	NOUN
ajfa-17362	66	26	of	of	ADP
ajfa-17362	66	27	the	the	DET
ajfa-17362	66	28	banks	bank	NOUN
ajfa-17362	66	29	listed	list	VERB
ajfa-17362	66	30	in	in	ADP
ajfa-17362	66	31	the	the	DET
ajfa-17362	66	32	tehran	tehran	PROPN
ajfa-17362	66	33	stock	stock	PROPN
ajfa-17362	66	34	exchange	exchange	PROPN
ajfa-17362	66	35	.	.	PUNCT
ajfa-17362	67	1	the	the	DET
ajfa-17362	67	2	study	study	NOUN
ajfa-17362	67	3	advanced	advance	VERB
ajfa-17362	67	4	three	three	NUM
ajfa-17362	67	5	hypotheses	hypothesis	NOUN
ajfa-17362	67	6	and	and	CCONJ
ajfa-17362	67	7	sought	seek	VERB
ajfa-17362	67	8	to	to	PART
ajfa-17362	67	9	determine	determine	VERB
ajfa-17362	67	10	the	the	DET
ajfa-17362	67	11	relationship	relationship	NOUN
ajfa-17362	67	12	between	between	ADP
ajfa-17362	67	13	financial	financial	ADJ
ajfa-17362	67	14	risk	risk	NOUN
ajfa-17362	67	15	proxied	proxie	VERB
ajfa-17362	67	16	with	with	ADP
ajfa-17362	67	17	return	return	NOUN
ajfa-17362	67	18	on	on	ADP
ajfa-17362	67	19	equity	equity	NOUN
ajfa-17362	67	20	,	,	PUNCT
ajfa-17362	67	21	return	return	VERB
ajfa-17362	67	22	on	on	ADP
ajfa-17362	67	23	assets	asset	NOUN
ajfa-17362	67	24	,	,	PUNCT
ajfa-17362	67	25	and	and	CCONJ
ajfa-17362	67	26	return	return	VERB
ajfa-17362	67	27	on	on	ADP
ajfa-17362	67	28	capital	capital	NOUN
ajfa-17362	67	29	.	.	PUNCT
ajfa-17362	68	1	the	the	DET
ajfa-17362	68	2	study	study	NOUN
ajfa-17362	68	3	collected	collect	VERB
ajfa-17362	68	4	data	datum	NOUN
ajfa-17362	68	5	from	from	ADP
ajfa-17362	68	6	8	8	NUM
ajfa-17362	68	7	sampled	sample	VERB
ajfa-17362	68	8	private	private	ADJ
ajfa-17362	68	9	banks	bank	NOUN
ajfa-17362	68	10	of	of	ADP
ajfa-17362	68	11	karafarin	karafarin	NOUN
ajfa-17362	68	12	,	,	PUNCT
ajfa-17362	68	13	eghtesad	eghtesad	PROPN
ajfa-17362	68	14	novin	novin	PROPN
ajfa-17362	68	15	,	,	PUNCT
ajfa-17362	68	16	parsian	parsian	ADJ
ajfa-17362	68	17	,	,	PUNCT
ajfa-17362	68	18	pasargad	pasargad	PROPN
ajfa-17362	68	19	,	,	PUNCT
ajfa-17362	68	20	saman	saman	PROPN
ajfa-17362	68	21	,	,	PUNCT
ajfa-17362	68	22	sarmayeh	sarmayeh	PROPN
ajfa-17362	68	23	,	,	PUNCT
ajfa-17362	68	24	shahr	shahr	PROPN
ajfa-17362	68	25	and	and	CCONJ
ajfa-17362	68	26	the	the	DET
ajfa-17362	68	27	sina	sina	PROPN
ajfa-17362	68	28	for	for	ADP
ajfa-17362	68	29	a	a	DET
ajfa-17362	68	30	period	period	NOUN
ajfa-17362	68	31	of	of	ADP
ajfa-17362	68	32	5	5	NUM
ajfa-17362	68	33	years	year	NOUN
ajfa-17362	68	34	(	(	PUNCT
ajfa-17362	68	35	2000	2000	NUM
ajfa-17362	68	36	-	-	SYM
ajfa-17362	68	37	2015	2015	NUM
ajfa-17362	68	38	)	)	PUNCT
ajfa-17362	68	39	.	.	PUNCT
ajfa-17362	69	1	the	the	DET
ajfa-17362	69	2	study	study	NOUN
ajfa-17362	69	3	found	find	VERB
ajfa-17362	69	4	that	that	SCONJ
ajfa-17362	69	5	there	there	PRON
ajfa-17362	69	6	was	be	VERB
ajfa-17362	69	7	a	a	DET
ajfa-17362	69	8	significant	significant	ADJ
ajfa-17362	69	9	negative	negative	ADJ
ajfa-17362	69	10	relationship	relationship	NOUN
ajfa-17362	69	11	between	between	ADP
ajfa-17362	69	12	financial	financial	ADJ
ajfa-17362	69	13	risk	risk	NOUN
ajfa-17362	69	14	and	and	CCONJ
ajfa-17362	69	15	profitability	profitability	NOUN
ajfa-17362	69	16	of	of	ADP
ajfa-17362	69	17	the	the	DET
ajfa-17362	69	18	banks	bank	NOUN
ajfa-17362	69	19	listed	list	VERB
ajfa-17362	69	20	on	on	ADP
ajfa-17362	69	21	the	the	DET
ajfa-17362	69	22	tehran	tehran	PROPN
ajfa-17362	69	23	stock	stock	PROPN
ajfa-17362	69	24	exchange	exchange	PROPN
ajfa-17362	69	25	.	.	PUNCT
ajfa-17362	70	1	in	in	ADP
ajfa-17362	70	2	a	a	DET
ajfa-17362	70	3	study	study	NOUN
ajfa-17362	70	4	,	,	PUNCT
ajfa-17362	70	5	muhammad	muhammad	PROPN
ajfa-17362	70	6	and	and	CCONJ
ajfa-17362	70	7	abdul	abdul	PROPN
ajfa-17362	70	8	(	(	PUNCT
ajfa-17362	70	9	2017	2017	NUM
ajfa-17362	70	10	)	)	PUNCT
ajfa-17362	70	11	examined	examine	VERB
ajfa-17362	70	12	the	the	DET
ajfa-17362	70	13	factors	factor	NOUN
ajfa-17362	70	14	affecting	affect	VERB
ajfa-17362	70	15	risk	risk	NOUN
ajfa-17362	70	16	and	and	CCONJ
ajfa-17362	70	17	performance	performance	NOUN
ajfa-17362	70	18	in	in	ADP
ajfa-17362	70	19	the	the	DET
ajfa-17362	70	20	banking	banking	NOUN
ajfa-17362	70	21	institution	institution	NOUN
ajfa-17362	70	22	and	and	CCONJ
ajfa-17362	70	23	identified	identify	VERB
ajfa-17362	70	24	key	key	ADJ
ajfa-17362	70	25	factors	factor	NOUN
ajfa-17362	70	26	influencing	influence	VERB
ajfa-17362	70	27	risk	risk	NOUN
ajfa-17362	70	28	in	in	ADP
ajfa-17362	70	29	bank	bank	NOUN
ajfa-17362	70	30	operation	operation	NOUN
ajfa-17362	70	31	in	in	ADP
ajfa-17362	70	32	malaysia	malaysia	PROPN
ajfa-17362	70	33	.	.	PUNCT
ajfa-17362	71	1	the	the	DET
ajfa-17362	71	2	performance	performance	NOUN
ajfa-17362	71	3	of	of	ADP
ajfa-17362	71	4	ocbc	ocbc	PROPN
ajfa-17362	71	5	bank	bank	NOUN
ajfa-17362	71	6	from	from	ADP
ajfa-17362	71	7	the	the	DET
ajfa-17362	71	8	year	year	NOUN
ajfa-17362	71	9	2011	2011	NUM
ajfa-17362	71	10	to	to	ADP
ajfa-17362	71	11	2015	2015	NUM
ajfa-17362	71	12	showed	show	VERB
ajfa-17362	71	13	unfavorable	unfavorable	ADJ
ajfa-17362	71	14	performance	performance	NOUN
ajfa-17362	71	15	of	of	ADP
ajfa-17362	71	16	liquidity	liquidity	NOUN
ajfa-17362	71	17	and	and	CCONJ
ajfa-17362	71	18	operational	operational	ADJ
ajfa-17362	71	19	risk	risk	NOUN
ajfa-17362	71	20	.	.	PUNCT
ajfa-17362	72	1	the	the	DET
ajfa-17362	72	2	study	study	NOUN
ajfa-17362	72	3	,	,	PUNCT
ajfa-17362	72	4	among	among	ADP
ajfa-17362	72	5	others	other	NOUN
ajfa-17362	72	6	,	,	PUNCT
ajfa-17362	72	7	found	find	VERB
ajfa-17362	72	8	that	that	SCONJ
ajfa-17362	72	9	banks	bank	NOUN
ajfa-17362	72	10	were	be	AUX
ajfa-17362	72	11	not	not	PART
ajfa-17362	72	12	effective	effective	ADJ
ajfa-17362	72	13	in	in	ADP
ajfa-17362	72	14	terms	term	NOUN
ajfa-17362	72	15	of	of	ADP
ajfa-17362	72	16	converting	convert	VERB
ajfa-17362	72	17	their	their	PRON
ajfa-17362	72	18	asset	asset	NOUN
ajfa-17362	72	19	into	into	ADP
ajfa-17362	72	20	cash	cash	NOUN
ajfa-17362	72	21	in	in	ADP
ajfa-17362	72	22	order	order	NOUN
ajfa-17362	72	23	to	to	PART
ajfa-17362	72	24	make	make	VERB
ajfa-17362	72	25	debt	debt	NOUN
ajfa-17362	72	26	settlements	settlement	NOUN
ajfa-17362	72	27	.	.	PUNCT
ajfa-17362	73	1	also	also	ADV
ajfa-17362	73	2	,	,	PUNCT
ajfa-17362	73	3	the	the	DET
ajfa-17362	73	4	banks	bank	NOUN
ajfa-17362	73	5	did	do	AUX
ajfa-17362	73	6	not	not	PART
ajfa-17362	73	7	efficiently	efficiently	ADV
ajfa-17362	73	8	manage	manage	VERB
ajfa-17362	73	9	their	their	PRON
ajfa-17362	73	10	expenses	expense	NOUN
ajfa-17362	73	11	and	and	CCONJ
ajfa-17362	73	12	,	,	PUNCT
ajfa-17362	73	13	expectedly	expectedly	ADV
ajfa-17362	73	14	,	,	PUNCT
ajfa-17362	73	15	it	it	PRON
ajfa-17362	73	16	negatively	negatively	ADV
ajfa-17362	73	17	impacted	impact	VERB
ajfa-17362	73	18	the	the	DET
ajfa-17362	73	19	banks	bank	NOUN
ajfa-17362	73	20	'	'	PART
ajfa-17362	73	21	profit	profit	NOUN
ajfa-17362	73	22	performance	performance	NOUN
ajfa-17362	73	23	.	.	PUNCT
ajfa-17362	74	1	return	return	NOUN
ajfa-17362	74	2	on	on	ADP
ajfa-17362	74	3	assets	asset	NOUN
ajfa-17362	74	4	was	be	AUX
ajfa-17362	74	5	one	one	NUM
ajfa-17362	74	6	of	of	ADP
ajfa-17362	74	7	the	the	DET
ajfa-17362	74	8	indicators	indicator	NOUN
ajfa-17362	74	9	used	use	VERB
ajfa-17362	74	10	in	in	ADP
ajfa-17362	74	11	measuring	measure	VERB
ajfa-17362	74	12	the	the	DET
ajfa-17362	74	13	profitability	profitability	NOUN
ajfa-17362	74	14	for	for	ADP
ajfa-17362	74	15	the	the	DET
ajfa-17362	74	16	study	study	NOUN
ajfa-17362	74	17	and	and	CCONJ
ajfa-17362	74	18	it	it	PRON
ajfa-17362	74	19	was	be	AUX
ajfa-17362	74	20	found	find	VERB
ajfa-17362	74	21	to	to	PART
ajfa-17362	74	22	be	be	AUX
ajfa-17362	74	23	negatively	negatively	ADV
ajfa-17362	74	24	related	relate	VERB
ajfa-17362	74	25	and	and	CCONJ
ajfa-17362	74	26	unsatisfactory	unsatisfactory	ADJ
ajfa-17362	74	27	.	.	PUNCT
ajfa-17362	75	1	the	the	DET
ajfa-17362	75	2	asian	asian	ADJ
ajfa-17362	75	3	journal	journal	PROPN
ajfa-17362	75	4	of	of	ADP
ajfa-17362	75	5	finance	finance	PROPN
ajfa-17362	75	6	&	&	CCONJ
ajfa-17362	75	7	accounting	accounting	PROPN
ajfa-17362	75	8	issn	issn	PROPN
ajfa-17362	75	9	1946	1946	NUM
ajfa-17362	75	10	-	-	PUNCT
ajfa-17362	75	11	052x	052x	NOUN
ajfa-17362	75	12	2020	2020	NUM
ajfa-17362	75	13	,	,	PUNCT
ajfa-17362	75	14	vol	vol	NOUN
ajfa-17362	75	15	.	.	PROPN
ajfa-17362	75	16	12	12	NUM
ajfa-17362	75	17	,	,	PUNCT
ajfa-17362	75	18	no	no	INTJ
ajfa-17362	75	19	.	.	NOUN
ajfa-17362	75	20	2	2	NUM
ajfa-17362	75	21	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	75	22	5	5	NUM
ajfa-17362	75	23	operating	operating	NOUN
ajfa-17362	75	24	ratio	ratio	NOUN
ajfa-17362	75	25	also	also	ADV
ajfa-17362	75	26	showed	show	VERB
ajfa-17362	75	27	that	that	SCONJ
ajfa-17362	75	28	the	the	DET
ajfa-17362	75	29	bank	bank	NOUN
ajfa-17362	75	30	was	be	AUX
ajfa-17362	75	31	inefficient	inefficient	ADJ
ajfa-17362	75	32	in	in	ADP
ajfa-17362	75	33	its	its	PRON
ajfa-17362	75	34	operation	operation	NOUN
ajfa-17362	75	35	and	and	CCONJ
ajfa-17362	75	36	as	as	ADP
ajfa-17362	75	37	a	a	DET
ajfa-17362	75	38	result	result	NOUN
ajfa-17362	75	39	,	,	PUNCT
ajfa-17362	75	40	incurred	incur	VERB
ajfa-17362	75	41	more	more	ADJ
ajfa-17362	75	42	expenses	expense	NOUN
ajfa-17362	75	43	.	.	PUNCT
ajfa-17362	76	1	the	the	DET
ajfa-17362	76	2	findings	finding	NOUN
ajfa-17362	76	3	suggested	suggest	VERB
ajfa-17362	76	4	some	some	DET
ajfa-17362	76	5	implications	implication	NOUN
ajfa-17362	76	6	.	.	PUNCT
ajfa-17362	77	1	firstly	firstly	ADV
ajfa-17362	77	2	,	,	PUNCT
ajfa-17362	77	3	considering	consider	VERB
ajfa-17362	77	4	that	that	SCONJ
ajfa-17362	77	5	the	the	DET
ajfa-17362	77	6	credit	credit	NOUN
ajfa-17362	77	7	risk	risk	NOUN
ajfa-17362	77	8	in	in	ADP
ajfa-17362	77	9	ocbc	ocbc	PROPN
ajfa-17362	77	10	bank	bank	PROPN
ajfa-17362	77	11	remained	remain	VERB
ajfa-17362	77	12	high	high	ADJ
ajfa-17362	77	13	,	,	PUNCT
ajfa-17362	77	14	there	there	PRON
ajfa-17362	77	15	is	be	VERB
ajfa-17362	77	16	a	a	DET
ajfa-17362	77	17	need	need	NOUN
ajfa-17362	77	18	to	to	PART
ajfa-17362	77	19	monitor	monitor	VERB
ajfa-17362	77	20	risk	risk	NOUN
ajfa-17362	77	21	management	management	NOUN
ajfa-17362	77	22	,	,	PUNCT
ajfa-17362	77	23	especially	especially	ADV
ajfa-17362	77	24	,	,	PUNCT
ajfa-17362	77	25	in	in	ADP
ajfa-17362	77	26	areas	area	NOUN
ajfa-17362	77	27	of	of	ADP
ajfa-17362	77	28	the	the	DET
ajfa-17362	77	29	variables	variable	NOUN
ajfa-17362	77	30	that	that	PRON
ajfa-17362	77	31	had	have	VERB
ajfa-17362	77	32	a	a	DET
ajfa-17362	77	33	significant	significant	ADJ
ajfa-17362	77	34	impact	impact	NOUN
ajfa-17362	77	35	on	on	ADP
ajfa-17362	77	36	bank	bank	NOUN
ajfa-17362	77	37	credit	credit	NOUN
ajfa-17362	77	38	risk	risk	NOUN
ajfa-17362	77	39	.	.	PUNCT
ajfa-17362	78	1	secondly	secondly	ADV
ajfa-17362	78	2	,	,	PUNCT
ajfa-17362	78	3	corporate	corporate	ADJ
ajfa-17362	78	4	governance	governance	NOUN
ajfa-17362	78	5	in	in	ADP
ajfa-17362	78	6	the	the	DET
ajfa-17362	78	7	bank	bank	NOUN
ajfa-17362	78	8	also	also	ADV
ajfa-17362	78	9	impacted	impact	VERB
ajfa-17362	78	10	the	the	DET
ajfa-17362	78	11	performance	performance	NOUN
ajfa-17362	78	12	of	of	ADP
ajfa-17362	78	13	the	the	DET
ajfa-17362	78	14	bank	bank	NOUN
ajfa-17362	78	15	.	.	PUNCT
ajfa-17362	79	1	olabamiji	olabamiji	PROPN
ajfa-17362	79	2	and	and	CCONJ
ajfa-17362	79	3	michael	michael	PROPN
ajfa-17362	79	4	(	(	PUNCT
ajfa-17362	79	5	2018	2018	NUM
ajfa-17362	79	6	)	)	PUNCT
ajfa-17362	79	7	examined	examine	VERB
ajfa-17362	79	8	the	the	DET
ajfa-17362	79	9	influence	influence	NOUN
ajfa-17362	79	10	of	of	ADP
ajfa-17362	79	11	credit	credit	NOUN
ajfa-17362	79	12	management	management	NOUN
ajfa-17362	79	13	practices	practice	NOUN
ajfa-17362	79	14	on	on	ADP
ajfa-17362	79	15	the	the	DET
ajfa-17362	79	16	financial	financial	ADJ
ajfa-17362	79	17	performance	performance	NOUN
ajfa-17362	79	18	of	of	ADP
ajfa-17362	79	19	nigerian	nigerian	ADJ
ajfa-17362	79	20	banks	bank	NOUN
ajfa-17362	79	21	with	with	ADP
ajfa-17362	79	22	specific	specific	ADJ
ajfa-17362	79	23	reference	reference	NOUN
ajfa-17362	79	24	to	to	ADP
ajfa-17362	79	25	first	first	PROPN
ajfa-17362	79	26	bank	bank	PROPN
ajfa-17362	79	27	plc	plc	PROPN
ajfa-17362	79	28	.	.	PROPN
ajfa-17362	80	1	data	datum	NOUN
ajfa-17362	80	2	was	be	AUX
ajfa-17362	80	3	collected	collect	VERB
ajfa-17362	80	4	using	use	VERB
ajfa-17362	80	5	a	a	DET
ajfa-17362	80	6	purposive	purposive	ADJ
ajfa-17362	80	7	sampling	sampling	NOUN
ajfa-17362	80	8	technique	technique	NOUN
ajfa-17362	80	9	from	from	ADP
ajfa-17362	80	10	thirty	thirty	NUM
ajfa-17362	80	11	(	(	PUNCT
ajfa-17362	80	12	30	30	NUM
ajfa-17362	80	13	)	)	PUNCT
ajfa-17362	80	14	respondents	respondent	NOUN
ajfa-17362	80	15	as	as	ADP
ajfa-17362	80	16	a	a	DET
ajfa-17362	80	17	sample	sample	NOUN
ajfa-17362	80	18	size	size	NOUN
ajfa-17362	80	19	used	use	VERB
ajfa-17362	80	20	to	to	PART
ajfa-17362	80	21	collect	collect	VERB
ajfa-17362	80	22	data	datum	NOUN
ajfa-17362	80	23	from	from	ADP
ajfa-17362	80	24	the	the	DET
ajfa-17362	80	25	respondents	respondent	NOUN
ajfa-17362	80	26	.	.	PUNCT
ajfa-17362	81	1	both	both	DET
ajfa-17362	81	2	descriptive	descriptive	ADJ
ajfa-17362	81	3	and	and	CCONJ
ajfa-17362	81	4	inferential	inferential	ADJ
ajfa-17362	81	5	statistics	statistic	NOUN
ajfa-17362	81	6	were	be	AUX
ajfa-17362	81	7	used	use	VERB
ajfa-17362	81	8	to	to	PART
ajfa-17362	81	9	analyze	analyze	VERB
ajfa-17362	81	10	data	datum	NOUN
ajfa-17362	81	11	,	,	PUNCT
ajfa-17362	81	12	such	such	ADJ
ajfa-17362	81	13	as	as	ADP
ajfa-17362	81	14	frequency	frequency	NOUN
ajfa-17362	81	15	,	,	PUNCT
ajfa-17362	81	16	percentage	percentage	NOUN
ajfa-17362	81	17	,	,	PUNCT
ajfa-17362	81	18	weighted	weight	VERB
ajfa-17362	81	19	mean	mean	ADJ
ajfa-17362	81	20	score	score	NOUN
ajfa-17362	81	21	,	,	PUNCT
ajfa-17362	81	22	and	and	CCONJ
ajfa-17362	81	23	multiple	multiple	ADJ
ajfa-17362	81	24	regression	regression	NOUN
ajfa-17362	81	25	.	.	PUNCT
ajfa-17362	82	1	the	the	DET
ajfa-17362	82	2	result	result	NOUN
ajfa-17362	82	3	revealed	reveal	VERB
ajfa-17362	82	4	that	that	SCONJ
ajfa-17362	82	5	credit	credit	NOUN
ajfa-17362	82	6	management	management	NOUN
ajfa-17362	82	7	practices	practice	NOUN
ajfa-17362	82	8	have	have	VERB
ajfa-17362	82	9	a	a	DET
ajfa-17362	82	10	significant	significant	ADJ
ajfa-17362	82	11	positive	positive	ADJ
ajfa-17362	82	12	influence	influence	NOUN
ajfa-17362	82	13	on	on	ADP
ajfa-17362	82	14	the	the	DET
ajfa-17362	82	15	financial	financial	ADJ
ajfa-17362	82	16	performance	performance	NOUN
ajfa-17362	82	17	of	of	ADP
ajfa-17362	82	18	first	first	ADJ
ajfa-17362	82	19	bank	bank	NOUN
ajfa-17362	82	20	.	.	PUNCT
ajfa-17362	83	1	the	the	DET
ajfa-17362	83	2	study	study	NOUN
ajfa-17362	83	3	concluded	conclude	VERB
ajfa-17362	83	4	that	that	SCONJ
ajfa-17362	83	5	client	client	NOUN
ajfa-17362	83	6	appraisal	appraisal	NOUN
ajfa-17362	83	7	,	,	PUNCT
ajfa-17362	83	8	credit	credit	NOUN
ajfa-17362	83	9	risk	risk	NOUN
ajfa-17362	83	10	control	control	NOUN
ajfa-17362	83	11	,	,	PUNCT
ajfa-17362	83	12	and	and	CCONJ
ajfa-17362	83	13	collection	collection	NOUN
ajfa-17362	83	14	policy	policy	NOUN
ajfa-17362	83	15	are	be	AUX
ajfa-17362	83	16	major	major	ADJ
ajfa-17362	83	17	predictors	predictor	NOUN
ajfa-17362	83	18	of	of	ADP
ajfa-17362	83	19	the	the	DET
ajfa-17362	83	20	financial	financial	ADJ
ajfa-17362	83	21	performance	performance	NOUN
ajfa-17362	83	22	of	of	ADP
ajfa-17362	83	23	the	the	DET
ajfa-17362	83	24	first	first	ADJ
ajfa-17362	83	25	bank	bank	NOUN
ajfa-17362	83	26	.	.	PUNCT
ajfa-17362	84	1	subsequently	subsequently	ADV
ajfa-17362	84	2	,	,	PUNCT
ajfa-17362	84	3	the	the	DET
ajfa-17362	84	4	study	study	NOUN
ajfa-17362	84	5	recommended	recommend	VERB
ajfa-17362	84	6	that	that	SCONJ
ajfa-17362	84	7	the	the	DET
ajfa-17362	84	8	management	management	NOUN
ajfa-17362	84	9	of	of	ADP
ajfa-17362	84	10	other	other	ADJ
ajfa-17362	84	11	banks	bank	NOUN
ajfa-17362	84	12	should	should	AUX
ajfa-17362	84	13	learn	learn	VERB
ajfa-17362	84	14	from	from	ADP
ajfa-17362	84	15	the	the	DET
ajfa-17362	84	16	first	first	ADJ
ajfa-17362	84	17	bank	bank	NOUN
ajfa-17362	84	18	by	by	ADP
ajfa-17362	84	19	enhancing	enhance	VERB
ajfa-17362	84	20	their	their	PRON
ajfa-17362	84	21	client	client	NOUN
ajfa-17362	84	22	appraisal	appraisal	NOUN
ajfa-17362	84	23	techniques	technique	NOUN
ajfa-17362	84	24	,	,	PUNCT
ajfa-17362	84	25	credit	credit	NOUN
ajfa-17362	84	26	risk	risk	NOUN
ajfa-17362	84	27	control	control	NOUN
ajfa-17362	84	28	,	,	PUNCT
ajfa-17362	84	29	and	and	CCONJ
ajfa-17362	84	30	adopting	adopt	VERB
ajfa-17362	84	31	a	a	DET
ajfa-17362	84	32	more	more	ADV
ajfa-17362	84	33	stringent	stringent	ADJ
ajfa-17362	84	34	policy	policy	NOUN
ajfa-17362	84	35	to	to	PART
ajfa-17362	84	36	improve	improve	VERB
ajfa-17362	84	37	their	their	PRON
ajfa-17362	84	38	financial	financial	ADJ
ajfa-17362	84	39	performance	performance	NOUN
ajfa-17362	84	40	.	.	PUNCT
ajfa-17362	85	1	ahmad	ahmad	PROPN
ajfa-17362	85	2	(	(	PUNCT
ajfa-17362	85	3	2018	2018	NUM
ajfa-17362	85	4	)	)	PUNCT
ajfa-17362	85	5	carried	carry	VERB
ajfa-17362	85	6	out	out	ADP
ajfa-17362	85	7	a	a	DET
ajfa-17362	85	8	study	study	NOUN
ajfa-17362	85	9	to	to	PART
ajfa-17362	85	10	examine	examine	VERB
ajfa-17362	85	11	the	the	DET
ajfa-17362	85	12	impact	impact	NOUN
ajfa-17362	85	13	of	of	ADP
ajfa-17362	85	14	risk	risk	NOUN
ajfa-17362	85	15	management	management	NOUN
ajfa-17362	85	16	practices	practice	NOUN
ajfa-17362	85	17	on	on	ADP
ajfa-17362	85	18	the	the	DET
ajfa-17362	85	19	profitability	profitability	NOUN
ajfa-17362	85	20	of	of	ADP
ajfa-17362	85	21	jordanian	jordanian	ADJ
ajfa-17362	85	22	deposit	deposit	NOUN
ajfa-17362	85	23	money	money	NOUN
ajfa-17362	85	24	banks	bank	NOUN
ajfa-17362	85	25	,	,	PUNCT
ajfa-17362	85	26	using	use	VERB
ajfa-17362	85	27	a	a	DET
ajfa-17362	85	28	sample	sample	NOUN
ajfa-17362	85	29	of	of	ADP
ajfa-17362	85	30	13	13	NUM
ajfa-17362	85	31	jordanian	jordanian	ADJ
ajfa-17362	85	32	deposit	deposit	NOUN
ajfa-17362	85	33	money	money	NOUN
ajfa-17362	85	34	banks	bank	NOUN
ajfa-17362	85	35	during	during	ADP
ajfa-17362	85	36	the	the	DET
ajfa-17362	85	37	period	period	NOUN
ajfa-17362	85	38	(	(	PUNCT
ajfa-17362	85	39	2010	2010	NUM
ajfa-17362	85	40	-	-	SYM
ajfa-17362	85	41	2015	2015	NUM
ajfa-17362	85	42	)	)	PUNCT
ajfa-17362	85	43	.	.	PUNCT
ajfa-17362	86	1	data	datum	NOUN
ajfa-17362	86	2	regarding	regard	VERB
ajfa-17362	86	3	variables	variable	NOUN
ajfa-17362	86	4	were	be	AUX
ajfa-17362	86	5	collected	collect	VERB
ajfa-17362	86	6	from	from	ADP
ajfa-17362	86	7	the	the	DET
ajfa-17362	86	8	annual	annual	ADJ
ajfa-17362	86	9	financial	financial	ADJ
ajfa-17362	86	10	statements	statement	NOUN
ajfa-17362	86	11	of	of	ADP
ajfa-17362	86	12	the	the	DET
ajfa-17362	86	13	sample	sample	NOUN
ajfa-17362	86	14	study	study	NOUN
ajfa-17362	86	15	.	.	PUNCT
ajfa-17362	87	1	return	return	NOUN
ajfa-17362	87	2	on	on	ADP
ajfa-17362	87	3	assets	asset	NOUN
ajfa-17362	87	4	represented	represent	VERB
ajfa-17362	87	5	the	the	DET
ajfa-17362	87	6	profitability	profitability	NOUN
ajfa-17362	87	7	of	of	ADP
ajfa-17362	87	8	banks	bank	NOUN
ajfa-17362	87	9	,	,	PUNCT
ajfa-17362	87	10	while	while	SCONJ
ajfa-17362	87	11	risk	risk	NOUN
ajfa-17362	87	12	management	management	NOUN
ajfa-17362	87	13	practices	practice	NOUN
ajfa-17362	87	14	consisted	consist	VERB
ajfa-17362	87	15	of	of	ADP
ajfa-17362	87	16	liquidity	liquidity	NOUN
ajfa-17362	87	17	,	,	PUNCT
ajfa-17362	87	18	operational	operational	ADJ
ajfa-17362	87	19	,	,	PUNCT
ajfa-17362	87	20	credit	credit	NOUN
ajfa-17362	87	21	and	and	CCONJ
ajfa-17362	87	22	market	market	NOUN
ajfa-17362	87	23	risks	risk	NOUN
ajfa-17362	87	24	.	.	PUNCT
ajfa-17362	88	1	the	the	DET
ajfa-17362	88	2	study	study	NOUN
ajfa-17362	88	3	used	use	VERB
ajfa-17362	88	4	two	two	NUM
ajfa-17362	88	5	ratios	ratio	NOUN
ajfa-17362	88	6	to	to	PART
ajfa-17362	88	7	symbolize	symbolize	VERB
ajfa-17362	88	8	each	each	DET
ajfa-17362	88	9	type	type	NOUN
ajfa-17362	88	10	of	of	ADP
ajfa-17362	88	11	risk	risk	NOUN
ajfa-17362	88	12	.	.	PUNCT
ajfa-17362	89	1	the	the	DET
ajfa-17362	89	2	ordinary	ordinary	ADJ
ajfa-17362	89	3	least	least	ADJ
ajfa-17362	89	4	square	square	ADJ
ajfa-17362	89	5	method	method	NOUN
ajfa-17362	89	6	(	(	PUNCT
ajfa-17362	89	7	fixed	fix	VERB
ajfa-17362	89	8	effect	effect	NOUN
ajfa-17362	89	9	and	and	CCONJ
ajfa-17362	89	10	random	random	ADJ
ajfa-17362	89	11	effect	effect	NOUN
ajfa-17362	89	12	)	)	PUNCT
ajfa-17362	89	13	was	be	AUX
ajfa-17362	89	14	used	use	VERB
ajfa-17362	89	15	to	to	PART
ajfa-17362	89	16	test	test	VERB
ajfa-17362	89	17	the	the	DET
ajfa-17362	89	18	hypothesis	hypothesis	NOUN
ajfa-17362	89	19	.	.	PUNCT
ajfa-17362	90	1	the	the	DET
ajfa-17362	90	2	study	study	NOUN
ajfa-17362	90	3	revealed	reveal	VERB
ajfa-17362	90	4	that	that	SCONJ
ajfa-17362	90	5	risk	risk	NOUN
ajfa-17362	90	6	management	management	NOUN
ajfa-17362	90	7	practices	practice	NOUN
ajfa-17362	90	8	as	as	ADP
ajfa-17362	90	9	a	a	DET
ajfa-17362	90	10	whole	whole	NOUN
ajfa-17362	90	11	,	,	PUNCT
ajfa-17362	90	12	explains	explain	VERB
ajfa-17362	90	13	a	a	DET
ajfa-17362	90	14	significant	significant	ADJ
ajfa-17362	90	15	part	part	NOUN
ajfa-17362	90	16	of	of	ADP
ajfa-17362	90	17	the	the	DET
ajfa-17362	90	18	variation	variation	NOUN
ajfa-17362	90	19	in	in	ADP
ajfa-17362	90	20	banks	bank	NOUN
ajfa-17362	90	21	'	'	PART
ajfa-17362	90	22	profitability	profitability	NOUN
ajfa-17362	90	23	.	.	PUNCT
ajfa-17362	91	1	the	the	DET
ajfa-17362	91	2	results	result	NOUN
ajfa-17362	91	3	also	also	ADV
ajfa-17362	91	4	showed	show	VERB
ajfa-17362	91	5	that	that	SCONJ
ajfa-17362	91	6	only	only	ADJ
ajfa-17362	91	7	financial	financial	ADJ
ajfa-17362	91	8	risk	risk	NOUN
ajfa-17362	91	9	management	management	NOUN
ajfa-17362	91	10	practices	practice	NOUN
ajfa-17362	91	11	significantly	significantly	ADV
ajfa-17362	91	12	affected	affect	VERB
ajfa-17362	91	13	the	the	DET
ajfa-17362	91	14	profitability	profitability	NOUN
ajfa-17362	91	15	,	,	PUNCT
ajfa-17362	91	16	while	while	SCONJ
ajfa-17362	91	17	liquidity	liquidity	NOUN
ajfa-17362	91	18	,	,	PUNCT
ajfa-17362	91	19	credit	credit	NOUN
ajfa-17362	91	20	and	and	CCONJ
ajfa-17362	91	21	market	market	NOUN
ajfa-17362	91	22	risks	risk	NOUN
ajfa-17362	91	23	have	have	VERB
ajfa-17362	91	24	an	an	DET
ajfa-17362	91	25	insignificant	insignificant	ADJ
ajfa-17362	91	26	effect	effect	NOUN
ajfa-17362	91	27	.	.	PUNCT
ajfa-17362	92	1	the	the	DET
ajfa-17362	92	2	implications	implication	NOUN
ajfa-17362	92	3	of	of	ADP
ajfa-17362	92	4	the	the	DET
ajfa-17362	92	5	results	result	NOUN
ajfa-17362	92	6	indicated	indicate	VERB
ajfa-17362	92	7	that	that	SCONJ
ajfa-17362	92	8	jordanian	jordanian	ADJ
ajfa-17362	92	9	deposit	deposit	NOUN
ajfa-17362	92	10	money	money	NOUN
ajfa-17362	92	11	banks	bank	NOUN
ajfa-17362	92	12	(	(	PUNCT
ajfa-17362	92	13	jcb	jcb	PROPN
ajfa-17362	92	14	)	)	PUNCT
ajfa-17362	92	15	have	have	AUX
ajfa-17362	92	16	successfully	successfully	ADV
ajfa-17362	92	17	managed	manage	VERB
ajfa-17362	92	18	liquidity	liquidity	NOUN
ajfa-17362	92	19	,	,	PUNCT
ajfa-17362	92	20	credit	credit	NOUN
ajfa-17362	92	21	,	,	PUNCT
ajfa-17362	92	22	operating	operate	VERB
ajfa-17362	92	23	income	income	NOUN
ajfa-17362	92	24	and	and	CCONJ
ajfa-17362	92	25	market	market	NOUN
ajfa-17362	92	26	risks	risk	NOUN
ajfa-17362	92	27	during	during	ADP
ajfa-17362	92	28	the	the	DET
ajfa-17362	92	29	study	study	NOUN
ajfa-17362	92	30	period	period	NOUN
ajfa-17362	92	31	,	,	PUNCT
ajfa-17362	92	32	but	but	CCONJ
ajfa-17362	92	33	at	at	ADP
ajfa-17362	92	34	the	the	DET
ajfa-17362	92	35	same	same	ADJ
ajfa-17362	92	36	time	time	NOUN
ajfa-17362	92	37	failed	fail	VERB
ajfa-17362	92	38	to	to	PART
ajfa-17362	92	39	manage	manage	VERB
ajfa-17362	92	40	financial	financial	ADJ
ajfa-17362	92	41	risk	risk	NOUN
ajfa-17362	92	42	represented	represent	VERB
ajfa-17362	92	43	in	in	ADP
ajfa-17362	92	44	overheads	overhead	NOUN
ajfa-17362	92	45	imad	imad	PROPN
ajfa-17362	92	46	(	(	PUNCT
ajfa-17362	92	47	2017	2017	NUM
ajfa-17362	92	48	)	)	PUNCT
ajfa-17362	92	49	conducted	conduct	VERB
ajfa-17362	92	50	a	a	DET
ajfa-17362	92	51	study	study	NOUN
ajfa-17362	92	52	to	to	PART
ajfa-17362	92	53	analyze	analyze	VERB
ajfa-17362	92	54	the	the	DET
ajfa-17362	92	55	impact	impact	NOUN
ajfa-17362	92	56	between	between	ADP
ajfa-17362	92	57	credit	credit	NOUN
ajfa-17362	92	58	risk	risk	NOUN
ajfa-17362	92	59	and	and	CCONJ
ajfa-17362	92	60	the	the	DET
ajfa-17362	92	61	profitability	profitability	NOUN
ajfa-17362	92	62	of	of	ADP
ajfa-17362	92	63	five	five	NUM
ajfa-17362	92	64	banks	bank	NOUN
ajfa-17362	92	65	on	on	ADP
ajfa-17362	92	66	the	the	DET
ajfa-17362	92	67	palestine	palestine	PROPN
ajfa-17362	92	68	exchange	exchange	PROPN
ajfa-17362	92	69	.	.	PUNCT
ajfa-17362	93	1	the	the	DET
ajfa-17362	93	2	study	study	NOUN
ajfa-17362	93	3	used	use	VERB
ajfa-17362	93	4	data	datum	NOUN
ajfa-17362	93	5	collected	collect	VERB
ajfa-17362	93	6	from	from	ADP
ajfa-17362	93	7	the	the	DET
ajfa-17362	93	8	financial	financial	ADJ
ajfa-17362	93	9	statements	statement	NOUN
ajfa-17362	93	10	of	of	ADP
ajfa-17362	93	11	five	five	NUM
ajfa-17362	93	12	out	out	ADP
ajfa-17362	93	13	of	of	ADP
ajfa-17362	93	14	the	the	DET
ajfa-17362	93	15	six	six	NUM
ajfa-17362	93	16	listed	list	VERB
ajfa-17362	93	17	banks	bank	NOUN
ajfa-17362	93	18	on	on	ADP
ajfa-17362	93	19	the	the	DET
ajfa-17362	93	20	palestine	palestine	PROPN
ajfa-17362	93	21	exchange	exchange	NOUN
ajfa-17362	93	22	for	for	ADP
ajfa-17362	93	23	a	a	DET
ajfa-17362	93	24	period	period	NOUN
ajfa-17362	93	25	of	of	ADP
ajfa-17362	93	26	6	6	NUM
ajfa-17362	93	27	years	year	NOUN
ajfa-17362	93	28	from	from	ADP
ajfa-17362	93	29	2010	2010	NUM
ajfa-17362	93	30	to	to	ADP
ajfa-17362	93	31	2015	2015	NUM
ajfa-17362	93	32	.	.	PUNCT
ajfa-17362	94	1	in	in	ADP
ajfa-17362	94	2	order	order	NOUN
ajfa-17362	94	3	to	to	PART
ajfa-17362	94	4	ensure	ensure	VERB
ajfa-17362	94	5	that	that	SCONJ
ajfa-17362	94	6	the	the	DET
ajfa-17362	94	7	data	datum	NOUN
ajfa-17362	94	8	does	do	AUX
ajfa-17362	94	9	not	not	PART
ajfa-17362	94	10	suffer	suffer	VERB
ajfa-17362	94	11	from	from	ADP
ajfa-17362	94	12	multicollinearity	multicollinearity	NOUN
ajfa-17362	94	13	,	,	PUNCT
ajfa-17362	94	14	the	the	DET
ajfa-17362	94	15	study	study	NOUN
ajfa-17362	94	16	tested	test	VERB
ajfa-17362	94	17	for	for	ADP
ajfa-17362	94	18	variance	variance	NOUN
ajfa-17362	94	19	inflation	inflation	NOUN
ajfa-17362	94	20	factor	factor	NOUN
ajfa-17362	94	21	(	(	PUNCT
ajfa-17362	94	22	vif	vif	NOUN
ajfa-17362	94	23	)	)	PUNCT
ajfa-17362	94	24	in	in	ADP
ajfa-17362	94	25	addition	addition	NOUN
ajfa-17362	94	26	to	to	ADP
ajfa-17362	94	27	the	the	DET
ajfa-17362	94	28	tolerance	tolerance	NOUN
ajfa-17362	94	29	test	test	NOUN
ajfa-17362	94	30	,	,	PUNCT
ajfa-17362	94	31	and	and	CCONJ
ajfa-17362	94	32	the	the	DET
ajfa-17362	94	33	test	test	NOUN
ajfa-17362	94	34	was	be	AUX
ajfa-17362	94	35	satisfactory	satisfactory	ADJ
ajfa-17362	94	36	.	.	PUNCT
ajfa-17362	95	1	profitability	profitability	NOUN
ajfa-17362	95	2	was	be	AUX
ajfa-17362	95	3	measured	measure	VERB
ajfa-17362	95	4	by	by	ADP
ajfa-17362	95	5	using	use	VERB
ajfa-17362	95	6	a	a	DET
ajfa-17362	95	7	return	return	NOUN
ajfa-17362	95	8	on	on	ADP
ajfa-17362	95	9	equity	equity	NOUN
ajfa-17362	95	10	and	and	CCONJ
ajfa-17362	95	11	return	return	VERB
ajfa-17362	95	12	on	on	ADP
ajfa-17362	95	13	assets	asset	NOUN
ajfa-17362	95	14	while	while	SCONJ
ajfa-17362	95	15	credit	credit	NOUN
ajfa-17362	95	16	risk	risk	NOUN
ajfa-17362	95	17	was	be	AUX
ajfa-17362	95	18	measured	measure	VERB
ajfa-17362	95	19	by	by	ADP
ajfa-17362	95	20	net	net	ADJ
ajfa-17362	95	21	charge	charge	NOUN
ajfa-17362	95	22	-	-	PUNCT
ajfa-17362	95	23	offs	off	NOUN
ajfa-17362	95	24	to	to	PART
ajfa-17362	95	25	total	total	VERB
ajfa-17362	95	26	loans	loan	NOUN
ajfa-17362	95	27	and	and	CCONJ
ajfa-17362	95	28	advances	advance	NOUN
ajfa-17362	95	29	,	,	PUNCT
ajfa-17362	95	30	non	non	ADJ
ajfa-17362	95	31	-	-	ADJ
ajfa-17362	95	32	performing	performing	ADJ
ajfa-17362	95	33	loans	loan	NOUN
ajfa-17362	95	34	to	to	ADP
ajfa-17362	95	35	total	total	ADJ
ajfa-17362	95	36	loans	loan	NOUN
ajfa-17362	95	37	and	and	CCONJ
ajfa-17362	95	38	advances	advance	NOUN
ajfa-17362	95	39	,	,	PUNCT
ajfa-17362	95	40	and	and	CCONJ
ajfa-17362	95	41	pre	pre	ADJ
ajfa-17362	95	42	-	-	ADJ
ajfa-17362	95	43	provision	provision	ADJ
ajfa-17362	95	44	profit	profit	NOUN
ajfa-17362	95	45	to	to	PART
ajfa-17362	95	46	total	total	ADJ
ajfa-17362	95	47	loans	loan	NOUN
ajfa-17362	95	48	and	and	CCONJ
ajfa-17362	95	49	advances	advance	NOUN
ajfa-17362	95	50	.	.	PUNCT
ajfa-17362	96	1	other	other	ADJ
ajfa-17362	96	2	variables	variable	NOUN
ajfa-17362	96	3	such	such	ADJ
ajfa-17362	96	4	as	as	ADP
ajfa-17362	96	5	bank	bank	NOUN
ajfa-17362	96	6	size	size	NOUN
ajfa-17362	96	7	,	,	PUNCT
ajfa-17362	96	8	leverage	leverage	NOUN
ajfa-17362	96	9	,	,	PUNCT
ajfa-17362	96	10	and	and	CCONJ
ajfa-17362	96	11	net	net	ADJ
ajfa-17362	96	12	income	income	NOUN
ajfa-17362	96	13	growth	growth	NOUN
ajfa-17362	96	14	were	be	AUX
ajfa-17362	96	15	included	include	VERB
ajfa-17362	96	16	to	to	PART
ajfa-17362	96	17	account	account	VERB
ajfa-17362	96	18	for	for	ADP
ajfa-17362	96	19	their	their	PRON
ajfa-17362	96	20	effects	effect	NOUN
ajfa-17362	96	21	.	.	PUNCT
ajfa-17362	97	1	the	the	DET
ajfa-17362	97	2	study	study	NOUN
ajfa-17362	97	3	found	find	VERB
ajfa-17362	97	4	a	a	DET
ajfa-17362	97	5	weak	weak	ADJ
ajfa-17362	97	6	but	but	CCONJ
ajfa-17362	97	7	positive	positive	ADJ
ajfa-17362	97	8	relationship	relationship	NOUN
ajfa-17362	97	9	between	between	ADP
ajfa-17362	97	10	credit	credit	NOUN
ajfa-17362	97	11	risk	risk	NOUN
ajfa-17362	97	12	,	,	PUNCT
ajfa-17362	97	13	as	as	SCONJ
ajfa-17362	97	14	measured	measure	VERB
ajfa-17362	97	15	by	by	ADP
ajfa-17362	97	16	non	non	ADJ
ajfa-17362	97	17	-	-	ADJ
ajfa-17362	97	18	performing	performing	ADJ
ajfa-17362	97	19	loans	loan	NOUN
ajfa-17362	97	20	to	to	ADP
ajfa-17362	97	21	total	total	ADJ
ajfa-17362	97	22	loans	loan	NOUN
ajfa-17362	97	23	and	and	CCONJ
ajfa-17362	97	24	advances	advance	NOUN
ajfa-17362	97	25	,	,	PUNCT
ajfa-17362	97	26	and	and	CCONJ
ajfa-17362	97	27	profitability	profitability	NOUN
ajfa-17362	97	28	as	as	SCONJ
ajfa-17362	97	29	measured	measure	VERB
ajfa-17362	97	30	by	by	ADP
ajfa-17362	97	31	return	return	NOUN
ajfa-17362	97	32	on	on	ADP
ajfa-17362	97	33	assets	asset	NOUN
ajfa-17362	97	34	.	.	PUNCT
ajfa-17362	98	1	the	the	DET
ajfa-17362	98	2	study	study	NOUN
ajfa-17362	98	3	also	also	ADV
ajfa-17362	98	4	found	find	VERB
ajfa-17362	98	5	that	that	SCONJ
ajfa-17362	98	6	bank	bank	NOUN
ajfa-17362	98	7	size	size	NOUN
ajfa-17362	98	8	was	be	AUX
ajfa-17362	98	9	positively	positively	ADV
ajfa-17362	98	10	related	relate	VERB
ajfa-17362	98	11	to	to	ADP
ajfa-17362	98	12	profitability	profitability	NOUN
ajfa-17362	98	13	.	.	PUNCT
ajfa-17362	99	1	asian	asian	ADJ
ajfa-17362	99	2	journal	journal	PROPN
ajfa-17362	99	3	of	of	ADP
ajfa-17362	99	4	finance	finance	PROPN
ajfa-17362	99	5	&	&	CCONJ
ajfa-17362	99	6	accounting	accounting	PROPN
ajfa-17362	99	7	issn	issn	PROPN
ajfa-17362	99	8	1946	1946	NUM
ajfa-17362	99	9	-	-	PUNCT
ajfa-17362	99	10	052x	052x	NOUN
ajfa-17362	99	11	2020	2020	NUM
ajfa-17362	99	12	,	,	PUNCT
ajfa-17362	99	13	vol	vol	NOUN
ajfa-17362	99	14	.	.	PROPN
ajfa-17362	99	15	12	12	NUM
ajfa-17362	99	16	,	,	PUNCT
ajfa-17362	99	17	no	no	INTJ
ajfa-17362	99	18	.	.	NOUN
ajfa-17362	99	19	2	2	NUM
ajfa-17362	99	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	99	21	6	6	NUM
ajfa-17362	99	22	table	table	NOUN
ajfa-17362	99	23	4.1	4.1	NUM
ajfa-17362	99	24	.	.	PUNCT
ajfa-17362	99	25	measure	measure	NOUN
ajfa-17362	99	26	of	of	ADP
ajfa-17362	99	27	variables	variable	NOUN
ajfa-17362	99	28	variables	variable	NOUN
ajfa-17362	99	29	abbrev	abbrev	VERB
ajfa-17362	99	30	measurement	measurement	PROPN
ajfa-17362	99	31	source	source	NOUN
ajfa-17362	99	32	dependent	dependent	ADJ
ajfa-17362	99	33	variables	variable	NOUN
ajfa-17362	99	34	(	(	PUNCT
ajfa-17362	99	35	equity	equity	NOUN
ajfa-17362	99	36	returns	return	NOUN
ajfa-17362	99	37	)	)	PUNCT
ajfa-17362	99	38	return	return	NOUN
ajfa-17362	99	39	on	on	ADP
ajfa-17362	99	40	equity	equity	NOUN
ajfa-17362	99	41	roe	roe	PROPN
ajfa-17362	99	42	net	net	ADJ
ajfa-17362	99	43	profit	profit	NOUN
ajfa-17362	99	44	after	after	ADP
ajfa-17362	99	45	tax	tax	NOUN
ajfa-17362	99	46	shareholder	shareholder	NOUN
ajfa-17362	99	47	’s	’s	PART
ajfa-17362	99	48	equity	equity	NOUN
ajfa-17362	99	49	aguguom	aguguom	NOUN
ajfa-17362	99	50	&	&	CCONJ
ajfa-17362	99	51	salawu	salawu	PROPN
ajfa-17362	99	52	(	(	PUNCT
ajfa-17362	99	53	2018	2018	NUM
ajfa-17362	99	54	)	)	PUNCT
ajfa-17362	99	55	return	return	NOUN
ajfa-17362	99	56	on	on	ADP
ajfa-17362	99	57	assets	asset	NOUN
ajfa-17362	99	58	roa	roa	PROPN
ajfa-17362	99	59	npbit	npbit	ADP
ajfa-17362	99	60	total	total	ADJ
ajfa-17362	99	61	assets	asset	NOUN
ajfa-17362	99	62	biswas	biswas	PROPN
ajfa-17362	99	63	(	(	PUNCT
ajfa-17362	99	64	2016	2016	NUM
ajfa-17362	99	65	)	)	PUNCT
ajfa-17362	100	1	independent	independent	ADJ
ajfa-17362	100	2	variables	variable	NOUN
ajfa-17362	100	3	(	(	PUNCT
ajfa-17362	100	4	operational	operational	ADJ
ajfa-17362	100	5	risk	risk	NOUN
ajfa-17362	100	6	)	)	PUNCT
ajfa-17362	100	7	credit	credit	NOUN
ajfa-17362	100	8	risk	risk	NOUN
ajfa-17362	100	9	cr	cr	ADP
ajfa-17362	100	10	bad	bad	ADJ
ajfa-17362	100	11	&	&	CCONJ
ajfa-17362	100	12	doubtful	doubtful	ADJ
ajfa-17362	100	13	loan	loan	NOUN
ajfa-17362	100	14	provisions	provision	NOUN
ajfa-17362	100	15	total	total	ADJ
ajfa-17362	100	16	loans	loan	NOUN
ajfa-17362	100	17	gadzo	gadzo	PROPN
ajfa-17362	100	18	et	et	PROPN
ajfa-17362	100	19	al	al	PROPN
ajfa-17362	100	20	.	.	PROPN
ajfa-17362	101	1	(	(	PUNCT
ajfa-17362	101	2	2019	2019	NUM
ajfa-17362	101	3	)	)	PUNCT
ajfa-17362	101	4	insolvency	insolvency	NOUN
ajfa-17362	101	5	risk	risk	NOUN
ajfa-17362	101	6	insor	insor	NOUN
ajfa-17362	101	7	total	total	ADJ
ajfa-17362	101	8	loans	loan	NOUN
ajfa-17362	101	9	total	total	ADJ
ajfa-17362	101	10	assets	asset	NOUN
ajfa-17362	101	11	jilkoya	jilkoya	PROPN
ajfa-17362	101	12	&	&	CCONJ
ajfa-17362	101	13	stranska	stranska	PROPN
ajfa-17362	101	14	(	(	PUNCT
ajfa-17362	101	15	2017	2017	NUM
ajfa-17362	101	16	)	)	PUNCT
ajfa-17362	101	17	liquidity	liquidity	NOUN
ajfa-17362	101	18	risk	risk	NOUN
ajfa-17362	101	19	lqr	lqr	VERB
ajfa-17362	101	20	short	short	ADJ
ajfa-17362	101	21	term	term	NOUN
ajfa-17362	101	22	security	security	NOUN
ajfa-17362	101	23	total	total	NOUN
ajfa-17362	101	24	deposit	deposit	NOUN
ajfa-17362	101	25	olalere	olalere	ADV
ajfa-17362	101	26	et	et	PROPN
ajfa-17362	101	27	al	al	PROPN
ajfa-17362	101	28	.	.	PROPN
ajfa-17362	102	1	(	(	PUNCT
ajfa-17362	102	2	2018	2018	NUM
ajfa-17362	102	3	)	)	PUNCT
ajfa-17362	102	4	controlling	control	VERB
ajfa-17362	102	5	variable	variable	ADJ
ajfa-17362	102	6	firm	firm	ADJ
ajfa-17362	102	7	size	size	NOUN
ajfa-17362	102	8	frmsiz	frmsiz	PROPN
ajfa-17362	102	9	log	log	NOUN
ajfa-17362	102	10	of	of	ADP
ajfa-17362	102	11	total	total	ADJ
ajfa-17362	102	12	assets	asset	NOUN
ajfa-17362	102	13	(	(	PUNCT
ajfa-17362	102	14	absolute	absolute	ADJ
ajfa-17362	102	15	fig	fig	NOUN
ajfa-17362	102	16	)	)	PUNCT
ajfa-17362	102	17	gadzo	gadzo	PROPN
ajfa-17362	102	18	et	et	PROPN
ajfa-17362	102	19	al	al	PROPN
ajfa-17362	102	20	.	.	PROPN
ajfa-17362	102	21	,	,	PUNCT
ajfa-17362	102	22	(	(	PUNCT
ajfa-17362	102	23	2019	2019	NUM
ajfa-17362	102	24	source	source	NOUN
ajfa-17362	102	25	:	:	PUNCT
ajfa-17362	102	26	researcher	researcher	NOUN
ajfa-17362	102	27	’	'	PUNCT
ajfa-17362	102	28	compilation	compilation	NOUN
ajfa-17362	102	29	(	(	PUNCT
ajfa-17362	102	30	2020	2020	NUM
ajfa-17362	102	31	)	)	PUNCT
ajfa-17362	102	32	.	.	PUNCT
ajfa-17362	103	1	3	3	X
ajfa-17362	103	2	.	.	X
ajfa-17362	103	3	methodology	methodology	NOUN
ajfa-17362	103	4	this	this	DET
ajfa-17362	103	5	study	study	NOUN
ajfa-17362	103	6	investigated	investigate	VERB
ajfa-17362	103	7	the	the	DET
ajfa-17362	103	8	effect	effect	NOUN
ajfa-17362	103	9	of	of	ADP
ajfa-17362	103	10	operational	operational	ADJ
ajfa-17362	103	11	risk	risk	NOUN
ajfa-17362	103	12	on	on	ADP
ajfa-17362	103	13	equity	equity	NOUN
ajfa-17362	103	14	returns	return	NOUN
ajfa-17362	103	15	of	of	ADP
ajfa-17362	103	16	deposit	deposit	NOUN
ajfa-17362	103	17	money	money	NOUN
ajfa-17362	103	18	banks	bank	NOUN
ajfa-17362	103	19	,	,	PUNCT
ajfa-17362	103	20	using	use	VERB
ajfa-17362	103	21	a	a	DET
ajfa-17362	103	22	population	population	NOUN
ajfa-17362	103	23	which	which	PRON
ajfa-17362	103	24	consisted	consist	VERB
ajfa-17362	103	25	of	of	ADP
ajfa-17362	103	26	19	19	NUM
ajfa-17362	103	27	listed	list	VERB
ajfa-17362	103	28	deposit	deposit	NOUN
ajfa-17362	103	29	money	money	NOUN
ajfa-17362	103	30	banks	bank	NOUN
ajfa-17362	103	31	in	in	ADP
ajfa-17362	103	32	the	the	DET
ajfa-17362	103	33	nigeria	nigeria	PROPN
ajfa-17362	103	34	stock	stock	PROPN
ajfa-17362	103	35	exchange	exchange	PROPN
ajfa-17362	103	36	.	.	PUNCT
ajfa-17362	104	1	15	15	NUM
ajfa-17362	104	2	deposit	deposit	NOUN
ajfa-17362	104	3	money	money	NOUN
ajfa-17362	104	4	banks	bank	NOUN
ajfa-17362	104	5	were	be	AUX
ajfa-17362	104	6	purposively	purposively	ADV
ajfa-17362	104	7	selected	select	VERB
ajfa-17362	104	8	for	for	ADP
ajfa-17362	104	9	a	a	DET
ajfa-17362	104	10	period	period	NOUN
ajfa-17362	104	11	of	of	ADP
ajfa-17362	104	12	15	15	NUM
ajfa-17362	104	13	years	year	NOUN
ajfa-17362	104	14	2005	2005	NUM
ajfa-17362	104	15	and	and	CCONJ
ajfa-17362	104	16	2019	2019	NUM
ajfa-17362	104	17	.	.	PUNCT
ajfa-17362	105	1	descriptive	descriptive	ADJ
ajfa-17362	105	2	and	and	CCONJ
ajfa-17362	105	3	inferential	inferential	ADJ
ajfa-17362	105	4	statistics	statistic	NOUN
ajfa-17362	105	5	were	be	AUX
ajfa-17362	105	6	explored	explore	VERB
ajfa-17362	105	7	for	for	ADP
ajfa-17362	105	8	the	the	DET
ajfa-17362	105	9	data	datum	NOUN
ajfa-17362	105	10	analysis	analysis	NOUN
ajfa-17362	105	11	sourced	source	VERB
ajfa-17362	105	12	from	from	ADP
ajfa-17362	105	13	the	the	DET
ajfa-17362	105	14	published	publish	VERB
ajfa-17362	105	15	financial	financial	ADJ
ajfa-17362	105	16	statements	statement	NOUN
ajfa-17362	105	17	of	of	ADP
ajfa-17362	105	18	the	the	DET
ajfa-17362	105	19	banks	bank	NOUN
ajfa-17362	105	20	.	.	PUNCT
ajfa-17362	106	1	the	the	DET
ajfa-17362	106	2	application	application	NOUN
ajfa-17362	106	3	of	of	ADP
ajfa-17362	106	4	the	the	DET
ajfa-17362	106	5	hausman	hausman	PROPN
ajfa-17362	106	6	test	test	NOUN
ajfa-17362	106	7	provided	provide	VERB
ajfa-17362	106	8	the	the	DET
ajfa-17362	106	9	criteria	criterion	NOUN
ajfa-17362	106	10	for	for	ADP
ajfa-17362	106	11	choosing	choose	VERB
ajfa-17362	106	12	between	between	ADP
ajfa-17362	106	13	random	random	ADJ
ajfa-17362	106	14	effect	effect	NOUN
ajfa-17362	106	15	models	model	NOUN
ajfa-17362	106	16	and	and	CCONJ
ajfa-17362	106	17	fixed	fix	VERB
ajfa-17362	106	18	effect	effect	NOUN
ajfa-17362	106	19	model	model	NOUN
ajfa-17362	106	20	.	.	PUNCT
ajfa-17362	107	1	breusch	breusch	PROPN
ajfa-17362	107	2	and	and	CCONJ
ajfa-17362	107	3	pagan	pagan	VERB
ajfa-17362	107	4	lagrangian	lagrangian	ADJ
ajfa-17362	107	5	multiplier	multipli	ADJ
ajfa-17362	107	6	test	test	NOUN
ajfa-17362	107	7	was	be	AUX
ajfa-17362	107	8	employed	employ	VERB
ajfa-17362	107	9	to	to	PART
ajfa-17362	107	10	confirm	confirm	VERB
ajfa-17362	107	11	the	the	DET
ajfa-17362	107	12	hausman	hausman	PROPN
ajfa-17362	107	13	test	test	NOUN
ajfa-17362	107	14	’s	’s	PART
ajfa-17362	107	15	result	result	NOUN
ajfa-17362	107	16	in	in	ADP
ajfa-17362	107	17	order	order	NOUN
ajfa-17362	107	18	to	to	PART
ajfa-17362	107	19	decide	decide	VERB
ajfa-17362	107	20	between	between	ADP
ajfa-17362	107	21	random	random	ADJ
ajfa-17362	107	22	effects	effect	NOUN
ajfa-17362	107	23	and	and	CCONJ
ajfa-17362	107	24	pooled	pool	VERB
ajfa-17362	107	25	ols	ol	NOUN
ajfa-17362	107	26	.	.	PUNCT
ajfa-17362	108	1	three	three	NUM
ajfa-17362	108	2	models	model	NOUN
ajfa-17362	108	3	were	be	AUX
ajfa-17362	108	4	estimated	estimate	VERB
ajfa-17362	108	5	based	base	VERB
ajfa-17362	108	6	on	on	ADP
ajfa-17362	108	7	the	the	DET
ajfa-17362	108	8	three	three	NUM
ajfa-17362	108	9	proxies	proxy	NOUN
ajfa-17362	108	10	of	of	ADP
ajfa-17362	108	11	the	the	DET
ajfa-17362	108	12	dependent	dependent	ADJ
ajfa-17362	108	13	variable	variable	NOUN
ajfa-17362	108	14	.	.	PUNCT
ajfa-17362	109	1	the	the	DET
ajfa-17362	109	2	first	first	ADJ
ajfa-17362	109	3	equation	equation	NOUN
ajfa-17362	109	4	is	be	AUX
ajfa-17362	109	5	the	the	DET
ajfa-17362	109	6	one	one	NUM
ajfa-17362	109	7	which	which	PRON
ajfa-17362	109	8	considers	consider	VERB
ajfa-17362	109	9	the	the	DET
ajfa-17362	109	10	return	return	NOUN
ajfa-17362	109	11	on	on	ADP
ajfa-17362	109	12	equity	equity	NOUN
ajfa-17362	109	13	(	(	PUNCT
ajfa-17362	109	14	roe	roe	PROPN
ajfa-17362	109	15	)	)	PUNCT
ajfa-17362	109	16	and	and	CCONJ
ajfa-17362	109	17	returns	return	NOUN
ajfa-17362	109	18	on	on	ADP
ajfa-17362	109	19	assets	asset	NOUN
ajfa-17362	109	20	(	(	PUNCT
ajfa-17362	109	21	roa	roa	NOUN
ajfa-17362	109	22	)	)	PUNCT
ajfa-17362	109	23	as	as	ADP
ajfa-17362	109	24	the	the	DET
ajfa-17362	109	25	performance	performance	NOUN
ajfa-17362	109	26	indicator	indicator	NOUN
ajfa-17362	109	27	of	of	ADP
ajfa-17362	109	28	equity	equity	NOUN
ajfa-17362	109	29	returns	return	NOUN
ajfa-17362	109	30	,	,	PUNCT
ajfa-17362	109	31	while	while	SCONJ
ajfa-17362	109	32	credit	credit	NOUN
ajfa-17362	109	33	risk	risk	NOUN
ajfa-17362	109	34	,	,	PUNCT
ajfa-17362	109	35	liquidity	liquidity	NOUN
ajfa-17362	109	36	risk	risk	NOUN
ajfa-17362	109	37	(	(	PUNCT
ajfa-17362	109	38	lqr	lqr	PROPN
ajfa-17362	109	39	)	)	PUNCT
ajfa-17362	109	40	,	,	PUNCT
ajfa-17362	109	41	and	and	CCONJ
ajfa-17362	109	42	insolvency	insolvency	NOUN
ajfa-17362	109	43	risk	risk	NOUN
ajfa-17362	109	44	(	(	PUNCT
ajfa-17362	109	45	insr	insr	NOUN
ajfa-17362	109	46	)	)	PUNCT
ajfa-17362	109	47	are	be	AUX
ajfa-17362	109	48	controlling	control	VERB
ajfa-17362	109	49	variable	variable	NOUN
ajfa-17362	109	50	of	of	ADP
ajfa-17362	109	51	firm	firm	ADJ
ajfa-17362	109	52	size	size	NOUN
ajfa-17362	109	53	(	(	PUNCT
ajfa-17362	109	54	fsize	fsize	NOUN
ajfa-17362	109	55	)	)	PUNCT
ajfa-17362	109	56	.	.	PUNCT
ajfa-17362	110	1	research	research	NOUN
ajfa-17362	110	2	hypotheses	hypothesis	NOUN
ajfa-17362	110	3	h01	h01	NOUN
ajfa-17362	110	4	:	:	PUNCT
ajfa-17362	110	5	operational	operational	ADJ
ajfa-17362	110	6	risk	risk	NOUN
ajfa-17362	110	7	has	have	VERB
ajfa-17362	110	8	no	no	DET
ajfa-17362	110	9	significant	significant	ADJ
ajfa-17362	110	10	effect	effect	NOUN
ajfa-17362	110	11	on	on	ADP
ajfa-17362	110	12	equity	equity	NOUN
ajfa-17362	110	13	returns	return	NOUN
ajfa-17362	110	14	(	(	PUNCT
ajfa-17362	110	15	roe	roe	NOUN
ajfa-17362	110	16	)	)	PUNCT
ajfa-17362	110	17	of	of	ADP
ajfa-17362	110	18	deposit	deposit	NOUN
ajfa-17362	110	19	money	money	NOUN
ajfa-17362	110	20	banks	bank	NOUN
ajfa-17362	110	21	h02	h02	NOUN
ajfa-17362	110	22	:	:	PUNCT
ajfa-17362	110	23	operational	operational	ADJ
ajfa-17362	110	24	risk	risk	NOUN
ajfa-17362	110	25	with	with	ADP
ajfa-17362	110	26	control	control	NOUN
ajfa-17362	110	27	variable	variable	NOUN
ajfa-17362	110	28	of	of	ADP
ajfa-17362	110	29	firm	firm	ADJ
ajfa-17362	110	30	size	size	NOUN
ajfa-17362	110	31	has	have	VERB
ajfa-17362	110	32	no	no	DET
ajfa-17362	110	33	significant	significant	ADJ
ajfa-17362	110	34	effect	effect	NOUN
ajfa-17362	110	35	on	on	ADP
ajfa-17362	110	36	equity	equity	NOUN
ajfa-17362	110	37	returns	return	NOUN
ajfa-17362	110	38	(	(	PUNCT
ajfa-17362	110	39	roe	roe	NOUN
ajfa-17362	110	40	)	)	PUNCT
ajfa-17362	110	41	of	of	ADP
ajfa-17362	110	42	deposit	deposit	NOUN
ajfa-17362	110	43	money	money	NOUN
ajfa-17362	110	44	banks	bank	NOUN
ajfa-17362	110	45	in	in	ADP
ajfa-17362	110	46	nigeria	nigeria	PROPN
ajfa-17362	110	47	.	.	PUNCT
ajfa-17362	111	1	h03	h03	NOUN
ajfa-17362	111	2	:	:	PUNCT
ajfa-17362	111	3	operational	operational	ADJ
ajfa-17362	111	4	risk	risk	NOUN
ajfa-17362	111	5	has	have	VERB
ajfa-17362	111	6	no	no	DET
ajfa-17362	111	7	significant	significant	ADJ
ajfa-17362	111	8	effect	effect	NOUN
ajfa-17362	111	9	on	on	ADP
ajfa-17362	111	10	return	return	NOUN
ajfa-17362	111	11	on	on	ADP
ajfa-17362	111	12	assets	asset	NOUN
ajfa-17362	111	13	(	(	PUNCT
ajfa-17362	111	14	roa	roa	NOUN
ajfa-17362	111	15	)	)	PUNCT
ajfa-17362	111	16	of	of	ADP
ajfa-17362	111	17	deposit	deposit	NOUN
ajfa-17362	111	18	money	money	NOUN
ajfa-17362	111	19	banks	bank	NOUN
ajfa-17362	111	20	in	in	ADP
ajfa-17362	111	21	nigeria	nigeria	PROPN
ajfa-17362	111	22	.	.	PUNCT
ajfa-17362	112	1	asian	asian	ADJ
ajfa-17362	112	2	journal	journal	PROPN
ajfa-17362	112	3	of	of	ADP
ajfa-17362	112	4	finance	finance	PROPN
ajfa-17362	112	5	&	&	CCONJ
ajfa-17362	112	6	accounting	accounting	PROPN
ajfa-17362	112	7	issn	issn	PROPN
ajfa-17362	112	8	1946	1946	NUM
ajfa-17362	112	9	-	-	PUNCT
ajfa-17362	112	10	052x	052x	NOUN
ajfa-17362	112	11	2020	2020	NUM
ajfa-17362	112	12	,	,	PUNCT
ajfa-17362	112	13	vol	vol	NOUN
ajfa-17362	112	14	.	.	PROPN
ajfa-17362	112	15	12	12	NUM
ajfa-17362	112	16	,	,	PUNCT
ajfa-17362	112	17	no	no	INTJ
ajfa-17362	112	18	.	.	NOUN
ajfa-17362	112	19	2	2	NUM
ajfa-17362	112	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	112	21	7	7	NUM
ajfa-17362	112	22	h04	h04	NOUN
ajfa-17362	112	23	:	:	PUNCT
ajfa-17362	112	24	operational	operational	ADJ
ajfa-17362	112	25	risk	risk	NOUN
ajfa-17362	112	26	with	with	ADP
ajfa-17362	112	27	control	control	NOUN
ajfa-17362	112	28	variable	variable	NOUN
ajfa-17362	112	29	of	of	ADP
ajfa-17362	112	30	firm	firm	ADJ
ajfa-17362	112	31	size	size	NOUN
ajfa-17362	112	32	has	have	VERB
ajfa-17362	112	33	no	no	DET
ajfa-17362	112	34	significant	significant	ADJ
ajfa-17362	112	35	effect	effect	NOUN
ajfa-17362	112	36	on	on	ADP
ajfa-17362	112	37	return	return	NOUN
ajfa-17362	112	38	on	on	ADP
ajfa-17362	112	39	assets	asset	NOUN
ajfa-17362	112	40	(	(	PUNCT
ajfa-17362	112	41	roa	roa	NOUN
ajfa-17362	112	42	)	)	PUNCT
ajfa-17362	112	43	of	of	ADP
ajfa-17362	112	44	deposit	deposit	NOUN
ajfa-17362	112	45	money	money	NOUN
ajfa-17362	112	46	banks	bank	NOUN
ajfa-17362	112	47	in	in	ADP
ajfa-17362	112	48	nigeria	nigeria	PROPN
ajfa-17362	112	49	functional	functional	ADJ
ajfa-17362	112	50	relationship	relationship	NOUN
ajfa-17362	112	51	yit	yit	PROPN
ajfa-17362	112	52	=	=	SYM
ajfa-17362	113	1	β0	β0	PROPN
ajfa-17362	114	1	+	+	PROPN
ajfa-17362	115	1	βxzit	βxzit	ADJ
ajfa-17362	115	2	y=	y=	CCONJ
ajfa-17362	115	3	dependent	dependent	ADJ
ajfa-17362	115	4	variable	variable	NOUN
ajfa-17362	115	5	:	:	PUNCT
ajfa-17362	115	6	equity	equity	NOUN
ajfa-17362	115	7	returns	return	NOUN
ajfa-17362	115	8	x	x	PUNCT
ajfa-17362	115	9	=	=	PUNCT
ajfa-17362	115	10	independent	independent	ADJ
ajfa-17362	115	11	variable	variable	NOUN
ajfa-17362	115	12	:	:	PUNCT
ajfa-17362	115	13	operational	operational	ADJ
ajfa-17362	115	14	risk	risk	NOUN
ajfa-17362	115	15	z	z	NOUN
ajfa-17362	115	16	=	=	NOUN
ajfa-17362	115	17	controlling	control	VERB
ajfa-17362	115	18	variable	variable	NOUN
ajfa-17362	115	19	:	:	PUNCT
ajfa-17362	115	20	firm	firm	ADJ
ajfa-17362	115	21	size	size	NOUN
ajfa-17362	115	22	model	model	NOUN
ajfa-17362	115	23	specification	specification	NOUN
ajfa-17362	115	24	lognroeit	lognroeit	PROPN
ajfa-17362	115	25	=	=	PROPN
ajfa-17362	115	26	β0	β0	PROPN
ajfa-17362	115	27	+	+	PROPN
ajfa-17362	115	28	β1∆logroeit	β1∆logroeit	PUNCT
ajfa-17362	115	29	+	+	NUM
ajfa-17362	115	30	β2logcrit	β2logcrit	NOUN
ajfa-17362	115	31	+	+	CCONJ
ajfa-17362	115	32	β3loginsrit	β3loginsrit	NOUN
ajfa-17362	115	33	+	+	CCONJ
ajfa-17362	115	34	β4loglqrit	β4loglqrit	VERB
ajfa-17362	115	35	+	+	CCONJ
ajfa-17362	115	36	ɛit	ɛit	NOUN
ajfa-17362	115	37	model	model	NOUN
ajfa-17362	115	38	1	1	NUM
ajfa-17362	115	39	logroeit	logroeit	NOUN
ajfa-17362	115	40	=	=	PRON
ajfa-17362	115	41	β0	β0	NOUN
ajfa-17362	115	42	+	+	NOUN
ajfa-17362	115	43	β1∆lognpmrit	β1∆lognpmrit	PUNCT
ajfa-17362	115	44	+	+	NUM
ajfa-17362	115	45	β2logcrit	β2logcrit	NOUN
ajfa-17362	115	46	+	+	CCONJ
ajfa-17362	115	47	β3loginsrit	β3loginsrit	VERB
ajfa-17362	115	48	+	+	CCONJ
ajfa-17362	115	49	β4loglqrit	β4loglqrit	VERB
ajfa-17362	115	50	+	+	CCONJ
ajfa-17362	115	51	β5fsizeit	β5fsizeit	ADJ
ajfa-17362	115	52	+	+	NOUN
ajfa-17362	115	53	β5∆fsizeit	β5∆fsizeit	PUNCT
ajfa-17362	115	54	+	+	NUM
ajfa-17362	115	55	ɛit	ɛit	NOUN
ajfa-17362	115	56	model	model	NOUN
ajfa-17362	115	57	2	2	NUM
ajfa-17362	115	58	roait	roait	NOUN
ajfa-17362	115	59	=	=	PROPN
ajfa-17362	115	60	β0	β0	NOUN
ajfa-17362	115	61	+	+	NOUN
ajfa-17362	115	62	β1crit	β1crit	ADJ
ajfa-17362	115	63	+	+	CCONJ
ajfa-17362	115	64	β2loginsrit	β2loginsrit	NOUN
ajfa-17362	115	65	+	+	CCONJ
ajfa-17362	115	66	β3lqrit	β3lqrit	PRON
ajfa-17362	115	67	+	+	CCONJ
ajfa-17362	115	68	ɛit	ɛit	NOUN
ajfa-17362	115	69	model	model	NOUN
ajfa-17362	115	70	3	3	NUM
ajfa-17362	115	71	roait	roait	NOUN
ajfa-17362	115	72	=	=	PROPN
ajfa-17362	115	73	β0	β0	NOUN
ajfa-17362	115	74	+	+	NOUN
ajfa-17362	115	75	β1crit	β1crit	ADJ
ajfa-17362	115	76	+	+	CCONJ
ajfa-17362	115	77	β2loginsrit	β2loginsrit	NOUN
ajfa-17362	115	78	+	+	CCONJ
ajfa-17362	115	79	β3lqrit	β3lqrit	PRON
ajfa-17362	116	1	+	+	CCONJ
ajfa-17362	116	2	β4fsizeit	β4fsizeit	ADJ
ajfa-17362	116	3	+	+	NUM
ajfa-17362	116	4	ɛit	ɛit	NOUN
ajfa-17362	116	5	model	model	NOUN
ajfa-17362	116	6	4	4	NUM
ajfa-17362	116	7	where	where	SCONJ
ajfa-17362	116	8	:	:	PUNCT
ajfa-17362	116	9	roe	roe	PROPN
ajfa-17362	116	10	=	=	SYM
ajfa-17362	116	11	return	return	NOUN
ajfa-17362	116	12	on	on	ADP
ajfa-17362	116	13	equity	equity	NOUN
ajfa-17362	116	14	;	;	PUNCT
ajfa-17362	116	15	roa	roa	PROPN
ajfa-17362	116	16	=	=	PUNCT
ajfa-17362	116	17	return	return	VERB
ajfa-17362	116	18	on	on	ADP
ajfa-17362	116	19	assets	asset	NOUN
ajfa-17362	116	20	;	;	PUNCT
ajfa-17362	116	21	cr	cr	NOUN
ajfa-17362	116	22	=	=	SYM
ajfa-17362	116	23	credit	credit	NOUN
ajfa-17362	116	24	ratio	ratio	NOUN
ajfa-17362	116	25	;	;	PUNCT
ajfa-17362	116	26	insr	insr	NOUN
ajfa-17362	116	27	=	=	SYM
ajfa-17362	116	28	liquidity	liquidity	NOUN
ajfa-17362	116	29	risk	risk	NOUN
ajfa-17362	116	30	;	;	PUNCT
ajfa-17362	116	31	lqr	lqr	VERB
ajfa-17362	116	32	4.1	4.1	NUM
ajfa-17362	116	33	descriptive	descriptive	ADJ
ajfa-17362	116	34	analysis	analysis	NOUN
ajfa-17362	116	35	this	this	DET
ajfa-17362	116	36	section	section	NOUN
ajfa-17362	116	37	describes	describe	VERB
ajfa-17362	116	38	the	the	DET
ajfa-17362	116	39	variables	variable	NOUN
ajfa-17362	116	40	used	use	VERB
ajfa-17362	116	41	in	in	ADP
ajfa-17362	116	42	this	this	DET
ajfa-17362	116	43	study	study	NOUN
ajfa-17362	116	44	.	.	PUNCT
ajfa-17362	117	1	the	the	DET
ajfa-17362	117	2	variables	variable	NOUN
ajfa-17362	117	3	are	be	AUX
ajfa-17362	117	4	presented	present	VERB
ajfa-17362	117	5	in	in	ADP
ajfa-17362	117	6	three	three	NUM
ajfa-17362	117	7	(	(	PUNCT
ajfa-17362	117	8	3	3	NUM
ajfa-17362	117	9	)	)	PUNCT
ajfa-17362	117	10	different	different	ADJ
ajfa-17362	117	11	subsections	subsection	NOUN
ajfa-17362	117	12	.	.	PUNCT
ajfa-17362	118	1	subsections	subsection	NOUN
ajfa-17362	118	2	(	(	PUNCT
ajfa-17362	118	3	1	1	NUM
ajfa-17362	118	4	)	)	PUNCT
ajfa-17362	118	5	and	and	CCONJ
ajfa-17362	118	6	(	(	PUNCT
ajfa-17362	118	7	2	2	X
ajfa-17362	118	8	)	)	PUNCT
ajfa-17362	118	9	focus	focus	NOUN
ajfa-17362	118	10	on	on	ADP
ajfa-17362	118	11	the	the	DET
ajfa-17362	118	12	description	description	NOUN
ajfa-17362	118	13	of	of	ADP
ajfa-17362	118	14	dependent	dependent	ADJ
ajfa-17362	118	15	and	and	CCONJ
ajfa-17362	118	16	independent	independent	ADJ
ajfa-17362	118	17	variables	variable	NOUN
ajfa-17362	118	18	,	,	PUNCT
ajfa-17362	118	19	respectively	respectively	ADV
ajfa-17362	118	20	,	,	PUNCT
ajfa-17362	118	21	in	in	ADP
ajfa-17362	118	22	terms	term	NOUN
ajfa-17362	118	23	of	of	ADP
ajfa-17362	118	24	the	the	DET
ajfa-17362	118	25	number	number	NOUN
ajfa-17362	118	26	of	of	ADP
ajfa-17362	118	27	observations	observation	NOUN
ajfa-17362	118	28	,	,	PUNCT
ajfa-17362	118	29	mean	mean	VERB
ajfa-17362	118	30	,	,	PUNCT
ajfa-17362	118	31	median	median	ADJ
ajfa-17362	118	32	,	,	PUNCT
ajfa-17362	118	33	maximum	maximum	ADJ
ajfa-17362	118	34	,	,	PUNCT
ajfa-17362	118	35	minimum	minimum	ADJ
ajfa-17362	118	36	,	,	PUNCT
ajfa-17362	118	37	and	and	CCONJ
ajfa-17362	118	38	standard	standard	ADJ
ajfa-17362	118	39	deviation	deviation	NOUN
ajfa-17362	118	40	.	.	PUNCT
ajfa-17362	119	1	in	in	ADP
ajfa-17362	119	2	addition	addition	NOUN
ajfa-17362	119	3	,	,	PUNCT
ajfa-17362	119	4	subsection	subsection	NOUN
ajfa-17362	119	5	(	(	PUNCT
ajfa-17362	119	6	3	3	NUM
ajfa-17362	119	7	)	)	PUNCT
ajfa-17362	119	8	focuses	focus	VERB
ajfa-17362	119	9	on	on	ADP
ajfa-17362	119	10	the	the	DET
ajfa-17362	119	11	description	description	NOUN
ajfa-17362	119	12	of	of	ADP
ajfa-17362	119	13	the	the	DET
ajfa-17362	119	14	associations	association	NOUN
ajfa-17362	119	15	that	that	PRON
ajfa-17362	119	16	exist	exist	VERB
ajfa-17362	119	17	among	among	ADP
ajfa-17362	119	18	the	the	DET
ajfa-17362	119	19	selected	select	VERB
ajfa-17362	119	20	variables	variable	NOUN
ajfa-17362	119	21	.	.	PUNCT
ajfa-17362	120	1	4.1.1	4.1.1	NUM
ajfa-17362	120	2	summary	summary	NOUN
ajfa-17362	120	3	statistics	statistic	NOUN
ajfa-17362	120	4	indicators	indicator	NOUN
ajfa-17362	120	5	(	(	PUNCT
ajfa-17362	120	6	dependent	dependent	ADJ
ajfa-17362	120	7	variables	variable	NOUN
ajfa-17362	120	8	)	)	PUNCT
ajfa-17362	120	9	this	this	DET
ajfa-17362	120	10	subsection	subsection	NOUN
ajfa-17362	120	11	focuses	focus	VERB
ajfa-17362	120	12	on	on	ADP
ajfa-17362	120	13	the	the	DET
ajfa-17362	120	14	description	description	NOUN
ajfa-17362	120	15	of	of	ADP
ajfa-17362	120	16	the	the	DET
ajfa-17362	120	17	variables	variable	NOUN
ajfa-17362	120	18	that	that	PRON
ajfa-17362	120	19	are	be	AUX
ajfa-17362	120	20	considered	consider	VERB
ajfa-17362	120	21	as	as	ADP
ajfa-17362	120	22	dependent	dependent	ADJ
ajfa-17362	120	23	variables	variable	NOUN
ajfa-17362	120	24	in	in	ADP
ajfa-17362	120	25	the	the	DET
ajfa-17362	120	26	subsequent	subsequent	ADJ
ajfa-17362	120	27	analysis	analysis	NOUN
ajfa-17362	120	28	.	.	PUNCT
ajfa-17362	121	1	the	the	DET
ajfa-17362	121	2	dependent	dependent	ADJ
ajfa-17362	121	3	variables	variable	NOUN
ajfa-17362	121	4	are	be	AUX
ajfa-17362	121	5	returned	return	VERB
ajfa-17362	121	6	on	on	ADP
ajfa-17362	121	7	equity	equity	NOUN
ajfa-17362	121	8	(	(	PUNCT
ajfa-17362	121	9	roe	roe	PROPN
ajfa-17362	121	10	)	)	PUNCT
ajfa-17362	121	11	,	,	PUNCT
ajfa-17362	121	12	and	and	CCONJ
ajfa-17362	121	13	return	return	VERB
ajfa-17362	121	14	on	on	ADP
ajfa-17362	121	15	assets	asset	NOUN
ajfa-17362	121	16	(	(	PUNCT
ajfa-17362	121	17	roa	roa	NOUN
ajfa-17362	121	18	)	)	PUNCT
ajfa-17362	121	19	,	,	PUNCT
ajfa-17362	121	20	and	and	CCONJ
ajfa-17362	121	21	they	they	PRON
ajfa-17362	121	22	are	be	AUX
ajfa-17362	121	23	used	use	VERB
ajfa-17362	121	24	as	as	ADP
ajfa-17362	121	25	indicators	indicator	NOUN
ajfa-17362	121	26	or	or	CCONJ
ajfa-17362	121	27	proxies	proxy	NOUN
ajfa-17362	121	28	for	for	ADP
ajfa-17362	121	29	measuring	measure	VERB
ajfa-17362	121	30	equity	equity	NOUN
ajfa-17362	121	31	returns	return	NOUN
ajfa-17362	121	32	of	of	ADP
ajfa-17362	121	33	the	the	DET
ajfa-17362	121	34	selected	select	VERB
ajfa-17362	121	35	listed	list	VERB
ajfa-17362	121	36	dmbs	dmb	NOUN
ajfa-17362	121	37	in	in	ADP
ajfa-17362	121	38	nigeria	nigeria	PROPN
ajfa-17362	121	39	.	.	PUNCT
ajfa-17362	122	1	asian	asian	ADJ
ajfa-17362	122	2	journal	journal	PROPN
ajfa-17362	122	3	of	of	ADP
ajfa-17362	122	4	finance	finance	PROPN
ajfa-17362	122	5	&	&	CCONJ
ajfa-17362	122	6	accounting	accounting	PROPN
ajfa-17362	122	7	issn	issn	PROPN
ajfa-17362	122	8	1946	1946	NUM
ajfa-17362	122	9	-	-	PUNCT
ajfa-17362	122	10	052x	052x	NOUN
ajfa-17362	122	11	2020	2020	NUM
ajfa-17362	122	12	,	,	PUNCT
ajfa-17362	122	13	vol	vol	NOUN
ajfa-17362	122	14	.	.	PROPN
ajfa-17362	122	15	12	12	NUM
ajfa-17362	122	16	,	,	PUNCT
ajfa-17362	122	17	no	no	INTJ
ajfa-17362	122	18	.	.	NOUN
ajfa-17362	122	19	2	2	NUM
ajfa-17362	122	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	122	21	8	8	NUM
ajfa-17362	122	22	table	table	NOUN
ajfa-17362	122	23	4.1	4.1	NUM
ajfa-17362	122	24	.	.	PUNCT
ajfa-17362	123	1	summary	summary	NOUN
ajfa-17362	123	2	statistics	statistic	NOUN
ajfa-17362	123	3	indicators	indicator	NOUN
ajfa-17362	123	4	(	(	PUNCT
ajfa-17362	123	5	dependent	dependent	ADJ
ajfa-17362	123	6	variables	variable	NOUN
ajfa-17362	123	7	)	)	PUNCT
ajfa-17362	123	8	roe	roe	PROPN
ajfa-17362	123	9	roa	roa	PROPN
ajfa-17362	123	10	observations	observation	NOUN
ajfa-17362	123	11	225	225	NUM
ajfa-17362	123	12	225	225	NUM
ajfa-17362	123	13	mean	mean	NOUN
ajfa-17362	123	14	602.1182	602.1182	NUM
ajfa-17362	123	15	0.5403	0.5403	NUM
ajfa-17362	123	16	median	median	NOUN
ajfa-17362	123	17	506.4328	506.4328	NUM
ajfa-17362	123	18	0.0237	0.0237	NUM
ajfa-17362	123	19	maximum	maximum	NOUN
ajfa-17362	123	20	4780.6030	4780.6030	NUM
ajfa-17362	123	21	30.5852	30.5852	NUM
ajfa-17362	123	22	minimum	minimum	ADJ
ajfa-17362	123	23	-131.5863	-131.5863	NUM
ajfa-17362	123	24	-0.1021	-0.1021	NOUN
ajfa-17362	123	25	std	std	PROPN
ajfa-17362	123	26	.	.	PUNCT
ajfa-17362	123	27	dev	dev	PROPN
ajfa-17362	123	28	.	.	PUNCT
ajfa-17362	124	1	610.7984	610.7984	NUM
ajfa-17362	124	2	3.4302	3.4302	NUM
ajfa-17362	124	3	source	source	NOUN
ajfa-17362	124	4	:	:	PUNCT
ajfa-17362	124	5	author	author	NOUN
ajfa-17362	124	6	’s	’s	PART
ajfa-17362	124	7	computation	computation	NOUN
ajfa-17362	124	8	(	(	PUNCT
ajfa-17362	124	9	2020	2020	NUM
ajfa-17362	124	10	)	)	PUNCT
ajfa-17362	124	11	.	.	PUNCT
ajfa-17362	125	1	return	return	VERB
ajfa-17362	125	2	on	on	ADP
ajfa-17362	125	3	equity	equity	NOUN
ajfa-17362	125	4	from	from	ADP
ajfa-17362	125	5	the	the	DET
ajfa-17362	125	6	result	result	NOUN
ajfa-17362	125	7	in	in	ADP
ajfa-17362	125	8	table	table	NOUN
ajfa-17362	125	9	4.1	4.1	NUM
ajfa-17362	125	10	,	,	PUNCT
ajfa-17362	125	11	the	the	DET
ajfa-17362	125	12	average	average	ADJ
ajfa-17362	125	13	value	value	NOUN
ajfa-17362	125	14	of	of	ADP
ajfa-17362	125	15	roe	roe	PROPN
ajfa-17362	125	16	is	be	AUX
ajfa-17362	125	17	0.8111	0.8111	NUM
ajfa-17362	125	18	while	while	SCONJ
ajfa-17362	125	19	the	the	DET
ajfa-17362	125	20	median	median	ADJ
ajfa-17362	125	21	value	value	NOUN
ajfa-17362	125	22	is	be	AUX
ajfa-17362	125	23	0.8787	0.8787	NUM
ajfa-17362	125	24	,	,	PUNCT
ajfa-17362	125	25	suggesting	suggest	VERB
ajfa-17362	125	26	that	that	SCONJ
ajfa-17362	125	27	the	the	DET
ajfa-17362	125	28	selected	select	VERB
ajfa-17362	125	29	listed	list	VERB
ajfa-17362	125	30	dmbs	dmb	NOUN
ajfa-17362	125	31	’	'	PUNCT
ajfa-17362	125	32	average	average	ADJ
ajfa-17362	125	33	roe	roe	NOUN
ajfa-17362	125	34	during	during	ADP
ajfa-17362	125	35	the	the	DET
ajfa-17362	125	36	period	period	NOUN
ajfa-17362	125	37	of	of	ADP
ajfa-17362	125	38	this	this	PRON
ajfa-17362	125	39	the	the	DET
ajfa-17362	125	40	study	study	NOUN
ajfa-17362	125	41	was	be	AUX
ajfa-17362	125	42	81.1	81.1	NUM
ajfa-17362	125	43	%	%	NOUN
ajfa-17362	125	44	.	.	PUNCT
ajfa-17362	126	1	this	this	PRON
ajfa-17362	126	2	means	mean	VERB
ajfa-17362	126	3	that	that	SCONJ
ajfa-17362	126	4	the	the	DET
ajfa-17362	126	5	listed	list	VERB
ajfa-17362	126	6	dmbs	dmb	NOUN
ajfa-17362	126	7	were	be	AUX
ajfa-17362	126	8	able	able	ADJ
ajfa-17362	126	9	to	to	PART
ajfa-17362	126	10	make	make	VERB
ajfa-17362	126	11	81	81	NUM
ajfa-17362	126	12	%	%	NOUN
ajfa-17362	126	13	profit	profit	NOUN
ajfa-17362	126	14	from	from	ADP
ajfa-17362	126	15	their	their	PRON
ajfa-17362	126	16	shareholders	shareholder	NOUN
ajfa-17362	126	17	investment	investment	NOUN
ajfa-17362	126	18	.	.	PUNCT
ajfa-17362	127	1	the	the	DET
ajfa-17362	127	2	slight	slight	ADJ
ajfa-17362	127	3	difference	difference	NOUN
ajfa-17362	127	4	between	between	ADP
ajfa-17362	127	5	the	the	DET
ajfa-17362	127	6	average	average	ADJ
ajfa-17362	127	7	and	and	CCONJ
ajfa-17362	127	8	median	median	ADJ
ajfa-17362	127	9	values	value	NOUN
ajfa-17362	127	10	suggests	suggest	VERB
ajfa-17362	127	11	that	that	SCONJ
ajfa-17362	127	12	the	the	DET
ajfa-17362	127	13	performance	performance	NOUN
ajfa-17362	127	14	ratio	ratio	NOUN
ajfa-17362	127	15	of	of	ADP
ajfa-17362	127	16	the	the	DET
ajfa-17362	127	17	selected	select	VERB
ajfa-17362	127	18	dmbs	dmb	NOUN
ajfa-17362	127	19	is	be	AUX
ajfa-17362	127	20	not	not	PART
ajfa-17362	127	21	quite	quite	ADV
ajfa-17362	127	22	different	different	ADJ
ajfa-17362	127	23	from	from	ADP
ajfa-17362	127	24	one	one	NUM
ajfa-17362	127	25	bank	bank	NOUN
ajfa-17362	127	26	to	to	ADP
ajfa-17362	127	27	another	another	PRON
ajfa-17362	127	28	.	.	PUNCT
ajfa-17362	128	1	the	the	DET
ajfa-17362	128	2	maximum	maximum	ADJ
ajfa-17362	128	3	value	value	NOUN
ajfa-17362	128	4	of	of	ADP
ajfa-17362	128	5	roe	roe	NOUN
ajfa-17362	128	6	of	of	ADP
ajfa-17362	128	7	the	the	DET
ajfa-17362	128	8	selected	select	VERB
ajfa-17362	128	9	bands	band	NOUN
ajfa-17362	128	10	is	be	AUX
ajfa-17362	128	11	approximately	approximately	ADV
ajfa-17362	128	12	2	2	NUM
ajfa-17362	128	13	million	million	NUM
ajfa-17362	128	14	and	and	CCONJ
ajfa-17362	128	15	in	in	ADP
ajfa-17362	128	16	percentage	percentage	NOUN
ajfa-17362	128	17	,	,	PUNCT
ajfa-17362	128	18	it	it	PRON
ajfa-17362	128	19	implies	imply	VERB
ajfa-17362	128	20	that	that	SCONJ
ajfa-17362	128	21	some	some	PRON
ajfa-17362	128	22	of	of	ADP
ajfa-17362	128	23	the	the	DET
ajfa-17362	128	24	selected	select	VERB
ajfa-17362	128	25	dmbs	dmb	NOUN
ajfa-17362	128	26	recorded	record	VERB
ajfa-17362	128	27	more	more	ADJ
ajfa-17362	128	28	than	than	ADP
ajfa-17362	128	29	100	100	NUM
ajfa-17362	128	30	%	%	NOUN
ajfa-17362	128	31	,	,	PUNCT
ajfa-17362	128	32	specifically	specifically	ADV
ajfa-17362	128	33	202	202	NUM
ajfa-17362	128	34	%	%	NOUN
ajfa-17362	128	35	within	within	ADP
ajfa-17362	128	36	the	the	DET
ajfa-17362	128	37	period	period	NOUN
ajfa-17362	128	38	of	of	ADP
ajfa-17362	128	39	the	the	DET
ajfa-17362	128	40	study	study	NOUN
ajfa-17362	128	41	,	,	PUNCT
ajfa-17362	128	42	and	and	CCONJ
ajfa-17362	128	43	the	the	DET
ajfa-17362	128	44	level	level	NOUN
ajfa-17362	128	45	of	of	ADP
ajfa-17362	128	46	deviation	deviation	NOUN
ajfa-17362	128	47	between	between	ADP
ajfa-17362	128	48	the	the	DET
ajfa-17362	128	49	selected	select	VERB
ajfa-17362	128	50	banks	bank	NOUN
ajfa-17362	128	51	is	be	AUX
ajfa-17362	128	52	approximately	approximately	ADV
ajfa-17362	128	53	31	31	NUM
ajfa-17362	128	54	%	%	NOUN
ajfa-17362	128	55	during	during	ADP
ajfa-17362	128	56	the	the	DET
ajfa-17362	128	57	period	period	NOUN
ajfa-17362	128	58	.	.	PUNCT
ajfa-17362	129	1	return	return	NOUN
ajfa-17362	129	2	on	on	ADP
ajfa-17362	129	3	assets	asset	NOUN
ajfa-17362	129	4	it	it	PRON
ajfa-17362	129	5	can	can	AUX
ajfa-17362	129	6	be	be	AUX
ajfa-17362	129	7	seen	see	VERB
ajfa-17362	129	8	from	from	ADP
ajfa-17362	129	9	the	the	DET
ajfa-17362	129	10	table	table	NOUN
ajfa-17362	129	11	that	that	SCONJ
ajfa-17362	129	12	the	the	DET
ajfa-17362	129	13	average	average	ADJ
ajfa-17362	129	14	percentage	percentage	NOUN
ajfa-17362	129	15	of	of	ADP
ajfa-17362	129	16	roa	roa	PROPN
ajfa-17362	129	17	is	be	AUX
ajfa-17362	129	18	54	54	NUM
ajfa-17362	129	19	%	%	NOUN
ajfa-17362	129	20	.	.	PUNCT
ajfa-17362	130	1	while	while	SCONJ
ajfa-17362	130	2	the	the	DET
ajfa-17362	130	3	maximum	maximum	NOUN
ajfa-17362	130	4	and	and	CCONJ
ajfa-17362	130	5	the	the	DET
ajfa-17362	130	6	minimum	minimum	ADJ
ajfa-17362	130	7	distributions	distribution	NOUN
ajfa-17362	130	8	of	of	ADP
ajfa-17362	130	9	the	the	DET
ajfa-17362	130	10	series	series	NOUN
ajfa-17362	130	11	(	(	PUNCT
ajfa-17362	130	12	roa	roa	PROPN
ajfa-17362	130	13	)	)	PUNCT
ajfa-17362	130	14	are	be	AUX
ajfa-17362	130	15	30.6	30.6	NUM
ajfa-17362	130	16	million	million	NUM
ajfa-17362	130	17	and	and	CCONJ
ajfa-17362	130	18	-0.1	-0.1	NOUN
ajfa-17362	130	19	million	million	NUM
ajfa-17362	130	20	,	,	PUNCT
ajfa-17362	130	21	respectively	respectively	ADV
ajfa-17362	130	22	,	,	PUNCT
ajfa-17362	130	23	the	the	DET
ajfa-17362	130	24	standard	standard	ADJ
ajfa-17362	130	25	deviation	deviation	NOUN
ajfa-17362	130	26	between	between	ADP
ajfa-17362	130	27	the	the	DET
ajfa-17362	130	28	value	value	NOUN
ajfa-17362	130	29	of	of	ADP
ajfa-17362	130	30	roa	roa	NOUN
ajfa-17362	130	31	among	among	ADP
ajfa-17362	130	32	the	the	DET
ajfa-17362	130	33	listed	list	VERB
ajfa-17362	130	34	dmbs	dmb	NOUN
ajfa-17362	130	35	are	be	AUX
ajfa-17362	130	36	3.4	3.4	NUM
ajfa-17362	130	37	million	million	NUM
ajfa-17362	130	38	.	.	PUNCT
ajfa-17362	131	1	by	by	ADP
ajfa-17362	131	2	implications	implication	NOUN
ajfa-17362	131	3	,	,	PUNCT
ajfa-17362	131	4	the	the	DET
ajfa-17362	131	5	level	level	NOUN
ajfa-17362	131	6	of	of	ADP
ajfa-17362	131	7	equity	equity	NOUN
ajfa-17362	131	8	returns	return	NOUN
ajfa-17362	131	9	of	of	ADP
ajfa-17362	131	10	the	the	DET
ajfa-17362	131	11	selected	select	VERB
ajfa-17362	131	12	banks	bank	NOUN
ajfa-17362	131	13	differs	differ	VERB
ajfa-17362	131	14	from	from	ADP
ajfa-17362	131	15	one	one	NUM
ajfa-17362	131	16	another	another	DET
ajfa-17362	131	17	,	,	PUNCT
ajfa-17362	131	18	and	and	CCONJ
ajfa-17362	131	19	the	the	DET
ajfa-17362	131	20	extent	extent	NOUN
ajfa-17362	131	21	of	of	ADP
ajfa-17362	131	22	operational	operational	ADJ
ajfa-17362	131	23	risk	risk	NOUN
ajfa-17362	131	24	management	management	NOUN
ajfa-17362	131	25	among	among	ADP
ajfa-17362	131	26	these	these	DET
ajfa-17362	131	27	banks	bank	NOUN
ajfa-17362	131	28	vary	vary	VERB
ajfa-17362	131	29	as	as	ADV
ajfa-17362	131	30	well	well	ADV
ajfa-17362	131	31	.	.	PUNCT
ajfa-17362	132	1	4.1.2	4.1.2	NUM
ajfa-17362	132	2	summary	summary	NOUN
ajfa-17362	132	3	statistics	statistic	NOUN
ajfa-17362	132	4	indicators	indicator	NOUN
ajfa-17362	132	5	(	(	PUNCT
ajfa-17362	132	6	independent	independent	ADJ
ajfa-17362	132	7	variables	variable	NOUN
ajfa-17362	132	8	)	)	PUNCT
ajfa-17362	132	9	operational	operational	ADJ
ajfa-17362	132	10	risk	risk	NOUN
ajfa-17362	132	11	is	be	AUX
ajfa-17362	132	12	the	the	DET
ajfa-17362	132	13	independent	independent	ADJ
ajfa-17362	132	14	variable	variable	NOUN
ajfa-17362	132	15	in	in	ADP
ajfa-17362	132	16	this	this	DET
ajfa-17362	132	17	study	study	NOUN
ajfa-17362	132	18	.	.	PUNCT
ajfa-17362	133	1	the	the	DET
ajfa-17362	133	2	summary	summary	NOUN
ajfa-17362	133	3	statistics	statistic	NOUN
ajfa-17362	133	4	of	of	ADP
ajfa-17362	133	5	the	the	DET
ajfa-17362	133	6	various	various	ADJ
ajfa-17362	133	7	proxies	proxy	NOUN
ajfa-17362	133	8	used	use	VERB
ajfa-17362	133	9	for	for	ADP
ajfa-17362	133	10	operational	operational	ADJ
ajfa-17362	133	11	risk	risk	NOUN
ajfa-17362	133	12	management	management	NOUN
ajfa-17362	133	13	of	of	ADP
ajfa-17362	133	14	the	the	DET
ajfa-17362	133	15	selected	select	VERB
ajfa-17362	133	16	deposit	deposit	NOUN
ajfa-17362	133	17	money	money	NOUN
ajfa-17362	133	18	banks	bank	NOUN
ajfa-17362	133	19	are	be	AUX
ajfa-17362	133	20	presented	present	VERB
ajfa-17362	133	21	in	in	ADP
ajfa-17362	133	22	table	table	NOUN
ajfa-17362	133	23	4.2	4.2	NUM
ajfa-17362	133	24	.	.	PUNCT
ajfa-17362	134	1	the	the	DET
ajfa-17362	134	2	independent	independent	ADJ
ajfa-17362	134	3	variables	variable	NOUN
ajfa-17362	134	4	are	be	AUX
ajfa-17362	134	5	credit	credit	NOUN
ajfa-17362	134	6	risk	risk	NOUN
ajfa-17362	134	7	(	(	PUNCT
ajfa-17362	134	8	cr	cr	NOUN
ajfa-17362	134	9	)	)	PUNCT
ajfa-17362	134	10	,	,	PUNCT
ajfa-17362	134	11	insolvency	insolvency	NOUN
ajfa-17362	134	12	risk	risk	NOUN
ajfa-17362	134	13	(	(	PUNCT
ajfa-17362	134	14	insr	insr	NOUN
ajfa-17362	134	15	)	)	PUNCT
ajfa-17362	134	16	,	,	PUNCT
ajfa-17362	134	17	and	and	CCONJ
ajfa-17362	134	18	liquidity	liquidity	NOUN
ajfa-17362	134	19	risk	risk	NOUN
ajfa-17362	134	20	(	(	PUNCT
ajfa-17362	134	21	lqr	lqr	PROPN
ajfa-17362	134	22	)	)	PUNCT
ajfa-17362	134	23	,	,	PUNCT
ajfa-17362	134	24	while	while	SCONJ
ajfa-17362	134	25	firm	firm	ADJ
ajfa-17362	134	26	size	size	NOUN
ajfa-17362	134	27	(	(	PUNCT
ajfa-17362	134	28	fsize	fsize	NOUN
ajfa-17362	134	29	)	)	PUNCT
ajfa-17362	134	30	was	be	AUX
ajfa-17362	134	31	used	use	VERB
ajfa-17362	134	32	as	as	ADP
ajfa-17362	134	33	a	a	DET
ajfa-17362	134	34	controlled	control	VERB
ajfa-17362	134	35	variable	variable	NOUN
ajfa-17362	134	36	.	.	PUNCT
ajfa-17362	135	1	asian	asian	ADJ
ajfa-17362	135	2	journal	journal	PROPN
ajfa-17362	135	3	of	of	ADP
ajfa-17362	135	4	finance	finance	PROPN
ajfa-17362	135	5	&	&	CCONJ
ajfa-17362	135	6	accounting	accounting	PROPN
ajfa-17362	135	7	issn	issn	PROPN
ajfa-17362	135	8	1946	1946	NUM
ajfa-17362	135	9	-	-	PUNCT
ajfa-17362	135	10	052x	052x	NOUN
ajfa-17362	135	11	2020	2020	NUM
ajfa-17362	135	12	,	,	PUNCT
ajfa-17362	135	13	vol	vol	NOUN
ajfa-17362	135	14	.	.	PROPN
ajfa-17362	135	15	12	12	NUM
ajfa-17362	135	16	,	,	PUNCT
ajfa-17362	135	17	no	no	INTJ
ajfa-17362	135	18	.	.	NOUN
ajfa-17362	135	19	2	2	NUM
ajfa-17362	135	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	135	21	9	9	NUM
ajfa-17362	135	22	table	table	NOUN
ajfa-17362	135	23	4.2	4.2	NUM
ajfa-17362	135	24	.	.	PUNCT
ajfa-17362	136	1	summary	summary	NOUN
ajfa-17362	136	2	statistics	statistic	NOUN
ajfa-17362	136	3	indicators	indicator	NOUN
ajfa-17362	136	4	(	(	PUNCT
ajfa-17362	136	5	independent	independent	ADJ
ajfa-17362	136	6	variables	variable	NOUN
ajfa-17362	136	7	)	)	PUNCT
ajfa-17362	136	8	cr	cr	PROPN
ajfa-17362	136	9	insr	insr	NOUN
ajfa-17362	136	10	lqr	lqr	VERB
ajfa-17362	136	11	fsize	fsize	NOUN
ajfa-17362	136	12	observations	observation	NOUN
ajfa-17362	136	13	225	225	NUM
ajfa-17362	136	14	225	225	NUM
ajfa-17362	136	15	225	225	NUM
ajfa-17362	136	16	225	225	NUM
ajfa-17362	136	17	mean	mean	NOUN
ajfa-17362	136	18	0.761993	0.761993	NUM
ajfa-17362	136	19	1.630116	1.630116	NUM
ajfa-17362	136	20	1.911175	1.911175	NUM
ajfa-17362	136	21	7.351349	7.351349	NUM
ajfa-17362	136	22	median	median	NOUN
ajfa-17362	136	23	0.753594	0.753594	NUM
ajfa-17362	136	24	1.632801	1.632801	NUM
ajfa-17362	136	25	1.841115	1.841115	NUM
ajfa-17362	136	26	6.711791	6.711791	NUM
ajfa-17362	136	27	maximum	maximum	NOUN
ajfa-17362	136	28	1.519670	1.519670	NUM
ajfa-17362	136	29	4.633305	4.633305	NUM
ajfa-17362	136	30	4.004754	4.004754	NUM
ajfa-17362	136	31	9.671570	9.671570	NUM
ajfa-17362	136	32	minimum	minimum	NOUN
ajfa-17362	136	33	0.129087	0.129087	NUM
ajfa-17362	136	34	0.744469	0.744469	NUM
ajfa-17362	136	35	-0.398530	-0.398530	NOUN
ajfa-17362	136	36	3.694956	3.694956	NUM
ajfa-17362	136	37	std	std	NOUN
ajfa-17362	136	38	.	.	PUNCT
ajfa-17362	136	39	dev	dev	PROPN
ajfa-17362	136	40	.	.	PUNCT
ajfa-17362	137	1	0.193659	0.193659	NUM
ajfa-17362	137	2	0.434723	0.434723	NUM
ajfa-17362	137	3	0.486193	0.486193	NUM
ajfa-17362	137	4	1.451314	1.451314	NUM
ajfa-17362	137	5	source	source	NOUN
ajfa-17362	137	6	:	:	PUNCT
ajfa-17362	137	7	author	author	NOUN
ajfa-17362	137	8	’s	’s	PART
ajfa-17362	137	9	computation	computation	NOUN
ajfa-17362	137	10	(	(	PUNCT
ajfa-17362	137	11	2020	2020	NUM
ajfa-17362	137	12	)	)	PUNCT
ajfa-17362	137	13	.	.	PUNCT
ajfa-17362	138	1	credit	credit	NOUN
ajfa-17362	138	2	risk	risk	NOUN
ajfa-17362	138	3	in	in	ADP
ajfa-17362	138	4	table	table	NOUN
ajfa-17362	138	5	4.2	4.2	NUM
ajfa-17362	138	6	,	,	PUNCT
ajfa-17362	138	7	it	it	PRON
ajfa-17362	138	8	can	can	AUX
ajfa-17362	138	9	be	be	AUX
ajfa-17362	138	10	seen	see	VERB
ajfa-17362	138	11	that	that	SCONJ
ajfa-17362	138	12	the	the	DET
ajfa-17362	138	13	computed	computed	ADJ
ajfa-17362	138	14	average	average	ADJ
ajfa-17362	138	15	credit	credit	NOUN
ajfa-17362	138	16	risk	risk	NOUN
ajfa-17362	138	17	ratio	ratio	NOUN
ajfa-17362	138	18	for	for	ADP
ajfa-17362	138	19	the	the	DET
ajfa-17362	138	20	selected	select	VERB
ajfa-17362	138	21	dmbs	dmb	NOUN
ajfa-17362	138	22	in	in	ADP
ajfa-17362	138	23	the	the	DET
ajfa-17362	138	24	nigerian	nigerian	ADJ
ajfa-17362	138	25	stock	stock	NOUN
ajfa-17362	138	26	exchange	exchange	NOUN
ajfa-17362	138	27	during	during	ADP
ajfa-17362	138	28	the	the	DET
ajfa-17362	138	29	years	year	NOUN
ajfa-17362	138	30	under	under	ADP
ajfa-17362	138	31	study	study	NOUN
ajfa-17362	138	32	stood	stand	VERB
ajfa-17362	138	33	at	at	ADP
ajfa-17362	138	34	0.761993	0.761993	NUM
ajfa-17362	138	35	,	,	PUNCT
ajfa-17362	138	36	its	its	PRON
ajfa-17362	138	37	median	median	NOUN
ajfa-17362	138	38	is	be	AUX
ajfa-17362	138	39	0.754	0.754	NUM
ajfa-17362	138	40	,	,	PUNCT
ajfa-17362	138	41	and	and	CCONJ
ajfa-17362	138	42	the	the	DET
ajfa-17362	138	43	maximum	maximum	NOUN
ajfa-17362	138	44	is	be	AUX
ajfa-17362	138	45	1.519	1.519	NUM
ajfa-17362	138	46	while	while	SCONJ
ajfa-17362	138	47	the	the	DET
ajfa-17362	138	48	minimum	minimum	ADJ
ajfa-17362	138	49	distribution	distribution	NOUN
ajfa-17362	138	50	is	be	AUX
ajfa-17362	138	51	0.129	0.129	NUM
ajfa-17362	138	52	.	.	PUNCT
ajfa-17362	139	1	this	this	DET
ajfa-17362	139	2	distribution	distribution	NOUN
ajfa-17362	139	3	shows	show	VERB
ajfa-17362	139	4	that	that	SCONJ
ajfa-17362	139	5	the	the	DET
ajfa-17362	139	6	mean	mean	ADJ
ajfa-17362	139	7	and	and	CCONJ
ajfa-17362	139	8	mid	mid	ADJ
ajfa-17362	139	9	amount	amount	NOUN
ajfa-17362	139	10	of	of	ADP
ajfa-17362	139	11	cr	cr	NOUN
ajfa-17362	139	12	of	of	ADP
ajfa-17362	139	13	the	the	DET
ajfa-17362	139	14	banks	bank	NOUN
ajfa-17362	139	15	are	be	AUX
ajfa-17362	139	16	closely	closely	ADV
ajfa-17362	139	17	related	relate	VERB
ajfa-17362	139	18	and	and	CCONJ
ajfa-17362	139	19	the	the	DET
ajfa-17362	139	20	amount	amount	NOUN
ajfa-17362	139	21	of	of	ADP
ajfa-17362	139	22	deviation	deviation	NOUN
ajfa-17362	139	23	of	of	ADP
ajfa-17362	139	24	cr	cr	NOUN
ajfa-17362	139	25	among	among	ADP
ajfa-17362	139	26	the	the	DET
ajfa-17362	139	27	banks	bank	NOUN
ajfa-17362	139	28	is	be	AUX
ajfa-17362	139	29	19.4	19.4	NUM
ajfa-17362	139	30	%	%	NOUN
ajfa-17362	139	31	.	.	PUNCT
ajfa-17362	140	1	the	the	DET
ajfa-17362	140	2	indication	indication	NOUN
ajfa-17362	140	3	from	from	ADP
ajfa-17362	140	4	the	the	DET
ajfa-17362	140	5	above	above	ADJ
ajfa-17362	140	6	is	be	AUX
ajfa-17362	140	7	that	that	SCONJ
ajfa-17362	140	8	the	the	DET
ajfa-17362	140	9	average	average	ADJ
ajfa-17362	140	10	and	and	CCONJ
ajfa-17362	140	11	mid	mid	ADJ
ajfa-17362	140	12	amount	amount	NOUN
ajfa-17362	140	13	of	of	ADP
ajfa-17362	140	14	cr	cr	NOUN
ajfa-17362	140	15	are	be	AUX
ajfa-17362	140	16	76.26	76.26	NUM
ajfa-17362	140	17	%	%	NOUN
ajfa-17362	140	18	and	and	CCONJ
ajfa-17362	140	19	75.4	75.4	NUM
ajfa-17362	140	20	%	%	NOUN
ajfa-17362	140	21	respectively	respectively	ADV
ajfa-17362	140	22	.	.	PUNCT
ajfa-17362	141	1	this	this	PRON
ajfa-17362	141	2	implies	imply	VERB
ajfa-17362	141	3	that	that	SCONJ
ajfa-17362	141	4	the	the	DET
ajfa-17362	141	5	level	level	NOUN
ajfa-17362	141	6	of	of	ADP
ajfa-17362	141	7	the	the	DET
ajfa-17362	141	8	credit	credit	NOUN
ajfa-17362	141	9	risk	risk	NOUN
ajfa-17362	141	10	of	of	ADP
ajfa-17362	141	11	the	the	DET
ajfa-17362	141	12	selected	select	VERB
ajfa-17362	141	13	dmbs	dmb	NOUN
ajfa-17362	141	14	is	be	AUX
ajfa-17362	141	15	high	high	ADJ
ajfa-17362	141	16	and	and	CCONJ
ajfa-17362	141	17	that	that	SCONJ
ajfa-17362	141	18	there	there	PRON
ajfa-17362	141	19	is	be	VERB
ajfa-17362	141	20	a	a	DET
ajfa-17362	141	21	need	need	NOUN
ajfa-17362	141	22	for	for	ADP
ajfa-17362	141	23	prudent	prudent	ADJ
ajfa-17362	141	24	financial	financial	ADJ
ajfa-17362	141	25	management	management	NOUN
ajfa-17362	141	26	to	to	PART
ajfa-17362	141	27	diminish	diminish	VERB
ajfa-17362	141	28	overall	overall	ADJ
ajfa-17362	141	29	operational	operational	ADJ
ajfa-17362	141	30	risk	risk	NOUN
ajfa-17362	141	31	of	of	ADP
ajfa-17362	141	32	the	the	DET
ajfa-17362	141	33	banks	bank	NOUN
ajfa-17362	141	34	.	.	PUNCT
ajfa-17362	142	1	insolvency	insolvency	NOUN
ajfa-17362	142	2	risk	risk	NOUN
ajfa-17362	142	3	in	in	ADP
ajfa-17362	142	4	table	table	NOUN
ajfa-17362	142	5	4.2	4.2	NUM
ajfa-17362	142	6	,	,	PUNCT
ajfa-17362	142	7	the	the	DET
ajfa-17362	142	8	average	average	ADJ
ajfa-17362	142	9	insr	insr	NOUN
ajfa-17362	142	10	recorded	record	VERB
ajfa-17362	142	11	by	by	ADP
ajfa-17362	142	12	the	the	DET
ajfa-17362	142	13	selected	select	VERB
ajfa-17362	142	14	banks	bank	NOUN
ajfa-17362	142	15	within	within	ADP
ajfa-17362	142	16	the	the	DET
ajfa-17362	142	17	study	study	NOUN
ajfa-17362	142	18	period	period	NOUN
ajfa-17362	142	19	1.63	1.63	NUM
ajfa-17362	142	20	.	.	PUNCT
ajfa-17362	143	1	this	this	PRON
ajfa-17362	143	2	means	mean	VERB
ajfa-17362	143	3	that	that	SCONJ
ajfa-17362	143	4	the	the	DET
ajfa-17362	143	5	extent	extent	NOUN
ajfa-17362	143	6	of	of	ADP
ajfa-17362	143	7	the	the	DET
ajfa-17362	143	8	average	average	ADJ
ajfa-17362	143	9	annual	annual	ADJ
ajfa-17362	143	10	insolvency	insolvency	NOUN
ajfa-17362	143	11	risk	risk	NOUN
ajfa-17362	143	12	is	be	AUX
ajfa-17362	143	13	over	over	ADP
ajfa-17362	143	14	100	100	NUM
ajfa-17362	143	15	%	%	NOUN
ajfa-17362	143	16	(	(	PUNCT
ajfa-17362	143	17	163	163	NUM
ajfa-17362	143	18	%	%	NOUN
ajfa-17362	143	19	)	)	PUNCT
ajfa-17362	143	20	at	at	ADP
ajfa-17362	143	21	the	the	DET
ajfa-17362	143	22	aggregate	aggregate	ADJ
ajfa-17362	143	23	level	level	NOUN
ajfa-17362	143	24	for	for	ADP
ajfa-17362	143	25	the	the	DET
ajfa-17362	143	26	selected	select	VERB
ajfa-17362	143	27	banks	bank	NOUN
ajfa-17362	143	28	.	.	PUNCT
ajfa-17362	144	1	the	the	DET
ajfa-17362	144	2	minimum	minimum	ADJ
ajfa-17362	144	3	and	and	CCONJ
ajfa-17362	144	4	maximum	maximum	ADJ
ajfa-17362	144	5	value	value	NOUN
ajfa-17362	144	6	of	of	ADP
ajfa-17362	144	7	insr	insr	NOUN
ajfa-17362	144	8	is	be	AUX
ajfa-17362	144	9	0.744	0.744	NUM
ajfa-17362	144	10	and	and	CCONJ
ajfa-17362	144	11	4.633	4.633	NUM
ajfa-17362	144	12	representing	represent	VERB
ajfa-17362	144	13	74.4	74.4	NUM
ajfa-17362	144	14	%	%	NOUN
ajfa-17362	144	15	and	and	CCONJ
ajfa-17362	144	16	463.3	463.3	NUM
ajfa-17362	144	17	%	%	NOUN
ajfa-17362	144	18	.	.	PUNCT
ajfa-17362	145	1	the	the	DET
ajfa-17362	145	2	median	median	ADJ
ajfa-17362	145	3	value	value	NOUN
ajfa-17362	145	4	of	of	ADP
ajfa-17362	145	5	the	the	DET
ajfa-17362	145	6	distributed	distributed	NOUN
ajfa-17362	145	7	is	be	AUX
ajfa-17362	145	8	163.3	163.3	NUM
ajfa-17362	145	9	%	%	NOUN
ajfa-17362	145	10	,	,	PUNCT
ajfa-17362	145	11	while	while	SCONJ
ajfa-17362	145	12	the	the	DET
ajfa-17362	145	13	level	level	NOUN
ajfa-17362	145	14	of	of	ADP
ajfa-17362	145	15	the	the	DET
ajfa-17362	145	16	standard	standard	ADJ
ajfa-17362	145	17	deviation	deviation	NOUN
ajfa-17362	145	18	of	of	ADP
ajfa-17362	145	19	insr	insr	NOUN
ajfa-17362	145	20	among	among	ADP
ajfa-17362	145	21	the	the	DET
ajfa-17362	145	22	selected	select	VERB
ajfa-17362	145	23	banks	bank	NOUN
ajfa-17362	145	24	is	be	AUX
ajfa-17362	145	25	approximately	approximately	ADV
ajfa-17362	145	26	liquidity	liquidity	NOUN
ajfa-17362	145	27	risk	risk	NOUN
ajfa-17362	145	28	from	from	ADP
ajfa-17362	145	29	the	the	DET
ajfa-17362	145	30	above	above	ADJ
ajfa-17362	145	31	table	table	NOUN
ajfa-17362	145	32	,	,	PUNCT
ajfa-17362	145	33	the	the	DET
ajfa-17362	145	34	maximum	maximum	ADJ
ajfa-17362	145	35	value	value	NOUN
ajfa-17362	145	36	of	of	ADP
ajfa-17362	145	37	lqr	lqr	PROPN
ajfa-17362	145	38	is	be	AUX
ajfa-17362	145	39	4.005	4.005	NUM
ajfa-17362	145	40	(	(	PUNCT
ajfa-17362	145	41	400.5	400.5	NUM
ajfa-17362	145	42	%	%	NOUN
ajfa-17362	145	43	)	)	PUNCT
ajfa-17362	145	44	while	while	SCONJ
ajfa-17362	145	45	the	the	DET
ajfa-17362	145	46	minimum	minimum	NOUN
ajfa-17362	145	47	value	value	NOUN
ajfa-17362	145	48	is	be	AUX
ajfa-17362	145	49	-0.398	-0.398	PUNCT
ajfa-17362	145	50	)	)	PUNCT
ajfa-17362	145	51	(	(	PUNCT
ajfa-17362	145	52	-40	-40	NUM
ajfa-17362	145	53	%	%	NOUN
ajfa-17362	145	54	)	)	PUNCT
ajfa-17362	145	55	.	.	PUNCT
ajfa-17362	146	1	the	the	DET
ajfa-17362	146	2	median	median	ADJ
ajfa-17362	146	3	value	value	NOUN
ajfa-17362	146	4	of	of	ADP
ajfa-17362	146	5	the	the	DET
ajfa-17362	146	6	distribution	distribution	NOUN
ajfa-17362	146	7	is	be	AUX
ajfa-17362	146	8	1.841	1.841	NUM
ajfa-17362	146	9	(	(	PUNCT
ajfa-17362	146	10	181.4	181.4	NUM
ajfa-17362	146	11	%	%	NOUN
ajfa-17362	146	12	)	)	PUNCT
ajfa-17362	146	13	and	and	CCONJ
ajfa-17362	146	14	overall	overall	ADJ
ajfa-17362	146	15	average	average	ADJ
ajfa-17362	146	16	distribution	distribution	NOUN
ajfa-17362	146	17	of	of	ADP
ajfa-17362	146	18	1.911	1.911	NUM
ajfa-17362	146	19	(	(	PUNCT
ajfa-17362	146	20	191.1	191.1	NUM
ajfa-17362	146	21	%	%	NOUN
ajfa-17362	146	22	)	)	PUNCT
ajfa-17362	146	23	.	.	PUNCT
ajfa-17362	147	1	these	these	DET
ajfa-17362	147	2	figures	figure	NOUN
ajfa-17362	147	3	depict	depict	VERB
ajfa-17362	147	4	that	that	SCONJ
ajfa-17362	147	5	there	there	PRON
ajfa-17362	147	6	was	be	VERB
ajfa-17362	147	7	a	a	DET
ajfa-17362	147	8	decline	decline	NOUN
ajfa-17362	147	9	of	of	ADP
ajfa-17362	147	10	about	about	ADV
ajfa-17362	147	11	40	40	NUM
ajfa-17362	147	12	%	%	NOUN
ajfa-17362	147	13	.	.	PUNCT
ajfa-17362	148	1	the	the	DET
ajfa-17362	148	2	banks	bank	NOUN
ajfa-17362	148	3	are	be	AUX
ajfa-17362	148	4	therefore	therefore	ADV
ajfa-17362	148	5	expected	expect	VERB
ajfa-17362	148	6	to	to	PART
ajfa-17362	148	7	constantly	constantly	ADV
ajfa-17362	148	8	decrease	decrease	VERB
ajfa-17362	148	9	sources	source	NOUN
ajfa-17362	148	10	of	of	ADP
ajfa-17362	148	11	inefficiencies	inefficiency	NOUN
ajfa-17362	148	12	in	in	ADP
ajfa-17362	148	13	their	their	PRON
ajfa-17362	148	14	risk	risk	NOUN
ajfa-17362	148	15	management	management	NOUN
ajfa-17362	148	16	.	.	PUNCT
ajfa-17362	149	1	firm	firm	ADJ
ajfa-17362	149	2	size	size	NOUN
ajfa-17362	149	3	this	this	PRON
ajfa-17362	149	4	is	be	AUX
ajfa-17362	149	5	used	use	VERB
ajfa-17362	149	6	as	as	ADP
ajfa-17362	149	7	the	the	DET
ajfa-17362	149	8	control	control	NOUN
ajfa-17362	149	9	variable	variable	NOUN
ajfa-17362	149	10	in	in	ADP
ajfa-17362	149	11	this	this	DET
ajfa-17362	149	12	study	study	NOUN
ajfa-17362	149	13	.	.	PUNCT
ajfa-17362	150	1	the	the	DET
ajfa-17362	150	2	distribution	distribution	NOUN
ajfa-17362	150	3	of	of	ADP
ajfa-17362	150	4	this	this	DET
ajfa-17362	150	5	series	series	NOUN
ajfa-17362	150	6	is	be	AUX
ajfa-17362	150	7	summarized	summarize	VERB
ajfa-17362	150	8	in	in	ADP
ajfa-17362	150	9	the	the	DET
ajfa-17362	150	10	table	table	NOUN
ajfa-17362	150	11	above	above	ADV
ajfa-17362	150	12	.	.	PUNCT
ajfa-17362	151	1	it	it	PRON
ajfa-17362	151	2	is	be	AUX
ajfa-17362	151	3	indicated	indicate	VERB
ajfa-17362	151	4	that	that	SCONJ
ajfa-17362	151	5	within	within	ADP
ajfa-17362	151	6	the	the	DET
ajfa-17362	151	7	period	period	NOUN
ajfa-17362	151	8	of	of	ADP
ajfa-17362	151	9	the	the	DET
ajfa-17362	151	10	study	study	NOUN
ajfa-17362	151	11	,	,	PUNCT
ajfa-17362	151	12	the	the	DET
ajfa-17362	151	13	selected	select	VERB
ajfa-17362	151	14	banks	bank	NOUN
ajfa-17362	151	15	have	have	AUX
ajfa-17362	151	16	recorded	record	VERB
ajfa-17362	151	17	an	an	DET
ajfa-17362	151	18	average	average	NOUN
ajfa-17362	151	19	of	of	ADP
ajfa-17362	151	20	7.4	7.4	NUM
ajfa-17362	151	21	%	%	NOUN
ajfa-17362	151	22	increase	increase	NOUN
ajfa-17362	151	23	in	in	ADP
ajfa-17362	151	24	total	total	ADJ
ajfa-17362	151	25	assets	asset	NOUN
ajfa-17362	151	26	.	.	PUNCT
ajfa-17362	152	1	since	since	SCONJ
ajfa-17362	152	2	the	the	DET
ajfa-17362	152	3	firm	firm	ADJ
ajfa-17362	152	4	size	size	NOUN
ajfa-17362	152	5	is	be	AUX
ajfa-17362	152	6	obtained	obtain	VERB
ajfa-17362	152	7	as	as	ADP
ajfa-17362	152	8	a	a	DET
ajfa-17362	152	9	logarithmic	logarithmic	ADJ
ajfa-17362	152	10	transformation	transformation	NOUN
ajfa-17362	152	11	of	of	ADP
ajfa-17362	152	12	the	the	DET
ajfa-17362	152	13	total	total	ADJ
ajfa-17362	152	14	assets	asset	NOUN
ajfa-17362	152	15	of	of	ADP
ajfa-17362	152	16	the	the	DET
ajfa-17362	152	17	listed	list	VERB
ajfa-17362	152	18	firms	firm	NOUN
ajfa-17362	152	19	,	,	PUNCT
ajfa-17362	152	20	it	it	PRON
ajfa-17362	152	21	is	be	AUX
ajfa-17362	152	22	expressed	express	VERB
ajfa-17362	152	23	in	in	ADP
ajfa-17362	152	24	percentage	percentage	NOUN
ajfa-17362	152	25	.	.	PUNCT
ajfa-17362	153	1	asian	asian	ADJ
ajfa-17362	153	2	journal	journal	PROPN
ajfa-17362	153	3	of	of	ADP
ajfa-17362	153	4	finance	finance	PROPN
ajfa-17362	153	5	&	&	CCONJ
ajfa-17362	153	6	accounting	accounting	PROPN
ajfa-17362	153	7	issn	issn	PROPN
ajfa-17362	153	8	1946	1946	NUM
ajfa-17362	153	9	-	-	PUNCT
ajfa-17362	153	10	052x	052x	NOUN
ajfa-17362	153	11	2020	2020	NUM
ajfa-17362	153	12	,	,	PUNCT
ajfa-17362	153	13	vol	vol	NOUN
ajfa-17362	153	14	.	.	PROPN
ajfa-17362	153	15	12	12	NUM
ajfa-17362	153	16	,	,	PUNCT
ajfa-17362	153	17	no	no	INTJ
ajfa-17362	153	18	.	.	NOUN
ajfa-17362	153	19	2	2	NUM
ajfa-17362	153	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	153	21	10	10	NUM
ajfa-17362	153	22	therefore	therefore	ADV
ajfa-17362	153	23	,	,	PUNCT
ajfa-17362	153	24	the	the	DET
ajfa-17362	153	25	maximum	maximum	ADJ
ajfa-17362	153	26	level	level	NOUN
ajfa-17362	153	27	of	of	ADP
ajfa-17362	153	28	increase	increase	NOUN
ajfa-17362	153	29	in	in	ADP
ajfa-17362	153	30	firm	firm	ADJ
ajfa-17362	153	31	size	size	NOUN
ajfa-17362	153	32	is	be	AUX
ajfa-17362	153	33	9.7	9.7	NUM
ajfa-17362	153	34	%	%	NOUN
ajfa-17362	153	35	while	while	SCONJ
ajfa-17362	153	36	the	the	DET
ajfa-17362	153	37	minimum	minimum	NOUN
ajfa-17362	153	38	is	be	AUX
ajfa-17362	153	39	3.7	3.7	NUM
ajfa-17362	153	40	%	%	NOUN
ajfa-17362	153	41	.	.	PUNCT
ajfa-17362	154	1	the	the	DET
ajfa-17362	154	2	level	level	NOUN
ajfa-17362	154	3	of	of	ADP
ajfa-17362	154	4	deviation	deviation	NOUN
ajfa-17362	154	5	between	between	ADP
ajfa-17362	154	6	firms	firm	NOUN
ajfa-17362	154	7	’	’	PART
ajfa-17362	154	8	size	size	NOUN
ajfa-17362	154	9	of	of	ADP
ajfa-17362	154	10	the	the	DET
ajfa-17362	154	11	listed	list	VERB
ajfa-17362	154	12	banks	bank	NOUN
ajfa-17362	154	13	is	be	AUX
ajfa-17362	154	14	1.5	1.5	NUM
ajfa-17362	154	15	%	%	NOUN
ajfa-17362	154	16	,	,	PUNCT
ajfa-17362	154	17	hence	hence	ADV
ajfa-17362	154	18	,	,	PUNCT
ajfa-17362	154	19	the	the	DET
ajfa-17362	154	20	selected	select	VERB
ajfa-17362	154	21	banks	bank	NOUN
ajfa-17362	154	22	have	have	VERB
ajfa-17362	154	23	closely	closely	ADV
ajfa-17362	154	24	related	relate	VERB
ajfa-17362	154	25	firm	firm	ADJ
ajfa-17362	154	26	sizes	size	NOUN
ajfa-17362	154	27	.	.	PUNCT
ajfa-17362	155	1	this	this	PRON
ajfa-17362	155	2	is	be	AUX
ajfa-17362	155	3	further	far	ADV
ajfa-17362	155	4	varied	varied	ADJ
ajfa-17362	155	5	as	as	SCONJ
ajfa-17362	155	6	the	the	DET
ajfa-17362	155	7	percentage	percentage	NOUN
ajfa-17362	155	8	of	of	ADP
ajfa-17362	155	9	maximum	maximum	ADJ
ajfa-17362	155	10	firm	firm	ADJ
ajfa-17362	155	11	size	size	NOUN
ajfa-17362	155	12	and	and	CCONJ
ajfa-17362	155	13	the	the	DET
ajfa-17362	155	14	median	median	ADJ
ajfa-17362	155	15	firm	firm	ADJ
ajfa-17362	155	16	size	size	NOUN
ajfa-17362	155	17	is	be	AUX
ajfa-17362	155	18	close	close	ADJ
ajfa-17362	155	19	to	to	ADP
ajfa-17362	155	20	each	each	DET
ajfa-17362	155	21	other	other	ADJ
ajfa-17362	155	22	and	and	CCONJ
ajfa-17362	155	23	the	the	DET
ajfa-17362	155	24	banks	bank	NOUN
ajfa-17362	155	25	are	be	AUX
ajfa-17362	155	26	relatively	relatively	ADV
ajfa-17362	155	27	large	large	ADJ
ajfa-17362	155	28	as	as	ADP
ajfa-17362	155	29	the	the	DET
ajfa-17362	155	30	standard	standard	ADJ
ajfa-17362	155	31	deviations	deviation	NOUN
ajfa-17362	155	32	of	of	ADP
ajfa-17362	155	33	the	the	DET
ajfa-17362	155	34	cross	cross	NOUN
ajfa-17362	155	35	-	-	NOUN
ajfa-17362	155	36	sections	section	NOUN
ajfa-17362	155	37	of	of	ADP
ajfa-17362	155	38	firm	firm	ADJ
ajfa-17362	155	39	size	size	NOUN
ajfa-17362	155	40	only	only	ADV
ajfa-17362	155	41	1.5	1.5	NUM
ajfa-17362	155	42	%	%	NOUN
ajfa-17362	155	43	.	.	PUNCT
ajfa-17362	156	1	4.1.3	4.1.3	NUM
ajfa-17362	156	2	correlation	correlation	NOUN
ajfa-17362	156	3	matrix	matrix	NOUN
ajfa-17362	156	4	and	and	CCONJ
ajfa-17362	156	5	interpretations	interpretation	NOUN
ajfa-17362	156	6	this	this	DET
ajfa-17362	156	7	subsection	subsection	NOUN
ajfa-17362	156	8	focuses	focus	VERB
ajfa-17362	156	9	on	on	ADP
ajfa-17362	156	10	the	the	DET
ajfa-17362	156	11	results	result	NOUN
ajfa-17362	156	12	of	of	ADP
ajfa-17362	156	13	the	the	DET
ajfa-17362	156	14	correlation	correlation	NOUN
ajfa-17362	156	15	analysis	analysis	NOUN
ajfa-17362	156	16	that	that	PRON
ajfa-17362	156	17	depicts	depict	VERB
ajfa-17362	156	18	the	the	DET
ajfa-17362	156	19	degree	degree	NOUN
ajfa-17362	156	20	of	of	ADP
ajfa-17362	156	21	associations	association	NOUN
ajfa-17362	156	22	among	among	ADP
ajfa-17362	156	23	the	the	DET
ajfa-17362	156	24	selected	select	VERB
ajfa-17362	156	25	variables	variable	NOUN
ajfa-17362	156	26	in	in	ADP
ajfa-17362	156	27	this	this	DET
ajfa-17362	156	28	study	study	NOUN
ajfa-17362	156	29	.	.	PUNCT
ajfa-17362	157	1	the	the	DET
ajfa-17362	157	2	correlation	correlation	NOUN
ajfa-17362	157	3	result	result	NOUN
ajfa-17362	157	4	relates	relate	VERB
ajfa-17362	157	5	to	to	ADP
ajfa-17362	157	6	the	the	DET
ajfa-17362	157	7	level	level	NOUN
ajfa-17362	157	8	of	of	ADP
ajfa-17362	157	9	associations	association	NOUN
ajfa-17362	157	10	of	of	ADP
ajfa-17362	157	11	the	the	DET
ajfa-17362	157	12	proxies	proxy	NOUN
ajfa-17362	157	13	of	of	ADP
ajfa-17362	157	14	equity	equity	NOUN
ajfa-17362	157	15	returns	return	NOUN
ajfa-17362	157	16	and	and	CCONJ
ajfa-17362	157	17	measures	measure	NOUN
ajfa-17362	157	18	of	of	ADP
ajfa-17362	157	19	operational	operational	ADJ
ajfa-17362	157	20	risk	risk	NOUN
ajfa-17362	157	21	.	.	PUNCT
ajfa-17362	158	1	this	this	DET
ajfa-17362	158	2	correlation	correlation	NOUN
ajfa-17362	158	3	analysis	analysis	NOUN
ajfa-17362	158	4	helps	helps	AUX
ajfa-17362	158	5	identify	identify	VERB
ajfa-17362	158	6	those	those	DET
ajfa-17362	158	7	time	time	NOUN
ajfa-17362	158	8	series	series	NOUN
ajfa-17362	158	9	variables	variable	VERB
ajfa-17362	158	10	that	that	SCONJ
ajfa-17362	158	11	either	either	PRON
ajfa-17362	158	12	has	have	VERB
ajfa-17362	158	13	negative	negative	ADJ
ajfa-17362	158	14	or	or	CCONJ
ajfa-17362	158	15	positive	positive	ADJ
ajfa-17362	158	16	association	association	NOUN
ajfa-17362	158	17	with	with	ADP
ajfa-17362	158	18	each	each	DET
ajfa-17362	158	19	other	other	ADJ
ajfa-17362	158	20	,	,	PUNCT
ajfa-17362	158	21	and	and	CCONJ
ajfa-17362	158	22	the	the	DET
ajfa-17362	158	23	extent	extent	NOUN
ajfa-17362	158	24	of	of	ADP
ajfa-17362	158	25	their	their	PRON
ajfa-17362	158	26	relationship	relationship	NOUN
ajfa-17362	158	27	in	in	ADP
ajfa-17362	158	28	order	order	NOUN
ajfa-17362	158	29	to	to	PART
ajfa-17362	158	30	further	far	ADV
ajfa-17362	158	31	,	,	PUNCT
ajfa-17362	158	32	determine	determine	VERB
ajfa-17362	158	33	whether	whether	SCONJ
ajfa-17362	158	34	the	the	DET
ajfa-17362	158	35	correlation	correlation	NOUN
ajfa-17362	158	36	can	can	AUX
ajfa-17362	158	37	cause	cause	VERB
ajfa-17362	158	38	multicollinearity	multicollinearity	NOUN
ajfa-17362	158	39	problem	problem	NOUN
ajfa-17362	158	40	in	in	ADP
ajfa-17362	158	41	the	the	DET
ajfa-17362	158	42	subsequent	subsequent	ADJ
ajfa-17362	158	43	empirical	empirical	ADJ
ajfa-17362	158	44	analysis	analysis	NOUN
ajfa-17362	158	45	.	.	PUNCT
ajfa-17362	159	1	table	table	NOUN
ajfa-17362	159	2	4.3	4.3	NUM
ajfa-17362	159	3	.	.	PUNCT
ajfa-17362	159	4	correlation	correlation	NOUN
ajfa-17362	159	5	matrix	matrix	NOUN
ajfa-17362	159	6	and	and	CCONJ
ajfa-17362	159	7	interpretations	interpretation	NOUN
ajfa-17362	159	8	var	var	PROPN
ajfa-17362	159	9	roe	roe	PROPN
ajfa-17362	159	10	(	(	PUNCT
ajfa-17362	159	11	1	1	NUM
ajfa-17362	159	12	)	)	PUNCT
ajfa-17362	159	13	roa	roa	NOUN
ajfa-17362	159	14	(	(	PUNCT
ajfa-17362	159	15	2	2	NUM
ajfa-17362	159	16	)	)	PUNCT
ajfa-17362	159	17	cr	cr	NOUN
ajfa-17362	159	18	(	(	PUNCT
ajfa-17362	159	19	3	3	NUM
ajfa-17362	159	20	)	)	PUNCT
ajfa-17362	159	21	insr	insr	NOUN
ajfa-17362	159	22	(	(	PUNCT
ajfa-17362	159	23	4	4	NUM
ajfa-17362	159	24	)	)	PUNCT
ajfa-17362	159	25	lqr	lqr	NOUN
ajfa-17362	159	26	(	(	PUNCT
ajfa-17362	159	27	5	5	NUM
ajfa-17362	159	28	)	)	PUNCT
ajfa-17362	159	29	fsize	fsize	NOUN
ajfa-17362	159	30	(	(	PUNCT
ajfa-17362	159	31	6	6	NUM
ajfa-17362	159	32	)	)	PUNCT
ajfa-17362	159	33	roe	roe	NOUN
ajfa-17362	159	34	1.000	1.000	NUM
ajfa-17362	159	35	roa	roa	NOUN
ajfa-17362	159	36	-0.024	-0.024	NUM
ajfa-17362	159	37	1.000	1.000	NUM
ajfa-17362	159	38	cr	cr	X
ajfa-17362	159	39	-0.029	-0.029	NOUN
ajfa-17362	159	40	0.291	0.291	NUM
ajfa-17362	159	41	1.000	1.000	NUM
ajfa-17362	159	42	insr	insr	NOUN
ajfa-17362	159	43	-0.021	-0.021	NOUN
ajfa-17362	159	44	0.707	0.707	NUM
ajfa-17362	159	45	-0.023	-0.023	NUM
ajfa-17362	159	46	1.000	1.000	NUM
ajfa-17362	159	47	lqr	lqr	NOUN
ajfa-17362	159	48	-0.029	-0.029	PUNCT
ajfa-17362	159	49	-0.027	-0.027	NUM
ajfa-17362	159	50	-0.030	-0.030	PUNCT
ajfa-17362	159	51	-0.023	-0.023	PUNCT
ajfa-17362	159	52	1.000	1.000	NUM
ajfa-17362	159	53	fsize	fsize	NOUN
ajfa-17362	159	54	0.144	0.144	NUM
ajfa-17362	159	55	-0.241	-0.241	PUNCT
ajfa-17362	159	56	-0.238	-0.238	NUM
ajfa-17362	159	57	-0.147	-0.147	NUM
ajfa-17362	159	58	0.082	0.082	NUM
ajfa-17362	159	59	1.000	1.000	NUM
ajfa-17362	159	60	source	source	NOUN
ajfa-17362	159	61	:	:	PUNCT
ajfa-17362	159	62	author	author	NOUN
ajfa-17362	159	63	’s	’s	PART
ajfa-17362	159	64	computation	computation	NOUN
ajfa-17362	159	65	(	(	PUNCT
ajfa-17362	159	66	2020	2020	NUM
ajfa-17362	159	67	)	)	PUNCT
ajfa-17362	159	68	.	.	PUNCT
ajfa-17362	160	1	the	the	DET
ajfa-17362	160	2	result	result	NOUN
ajfa-17362	160	3	in	in	ADP
ajfa-17362	160	4	column	column	NOUN
ajfa-17362	160	5	(	(	PUNCT
ajfa-17362	160	6	1	1	NUM
ajfa-17362	160	7	)	)	PUNCT
ajfa-17362	160	8	to	to	ADP
ajfa-17362	160	9	(	(	PUNCT
ajfa-17362	160	10	3	3	X
ajfa-17362	160	11	)	)	PUNCT
ajfa-17362	160	12	of	of	ADP
ajfa-17362	160	13	table	table	NOUN
ajfa-17362	160	14	4.3	4.3	NUM
ajfa-17362	160	15	shows	show	VERB
ajfa-17362	160	16	that	that	SCONJ
ajfa-17362	160	17	the	the	DET
ajfa-17362	160	18	associations	association	NOUN
ajfa-17362	160	19	among	among	ADP
ajfa-17362	160	20	the	the	DET
ajfa-17362	160	21	dependent	dependent	ADJ
ajfa-17362	160	22	and	and	CCONJ
ajfa-17362	160	23	independent	independent	ADJ
ajfa-17362	160	24	variables	variable	NOUN
ajfa-17362	160	25	absolutely	absolutely	ADV
ajfa-17362	160	26	take	take	VERB
ajfa-17362	160	27	values	value	NOUN
ajfa-17362	160	28	between	between	ADP
ajfa-17362	160	29	0.020	0.020	NUM
ajfa-17362	160	30	and	and	CCONJ
ajfa-17362	160	31	0.144	0.144	NUM
ajfa-17362	160	32	.	.	PUNCT
ajfa-17362	161	1	it	it	PRON
ajfa-17362	161	2	is	be	AUX
ajfa-17362	161	3	pertinent	pertinent	ADJ
ajfa-17362	161	4	to	to	PART
ajfa-17362	161	5	mention	mention	VERB
ajfa-17362	161	6	here	here	ADV
ajfa-17362	161	7	that	that	SCONJ
ajfa-17362	161	8	not	not	PART
ajfa-17362	161	9	any	any	PRON
ajfa-17362	161	10	of	of	ADP
ajfa-17362	161	11	these	these	DET
ajfa-17362	161	12	correlation	correlation	NOUN
ajfa-17362	161	13	coefficients	coefficient	NOUN
ajfa-17362	161	14	suggest	suggest	VERB
ajfa-17362	161	15	a	a	DET
ajfa-17362	161	16	multicollinearity	multicollinearity	NOUN
ajfa-17362	161	17	problem	problem	NOUN
ajfa-17362	161	18	.	.	PUNCT
ajfa-17362	162	1	multicollinearity	multicollinearity	NOUN
ajfa-17362	162	2	problem	problem	NOUN
ajfa-17362	162	3	occurs	occur	VERB
ajfa-17362	162	4	only	only	ADV
ajfa-17362	162	5	when	when	SCONJ
ajfa-17362	162	6	there	there	PRON
ajfa-17362	162	7	are	be	VERB
ajfa-17362	162	8	high	high	ADJ
ajfa-17362	162	9	correlations	correlation	NOUN
ajfa-17362	162	10	among	among	ADP
ajfa-17362	162	11	independent	independent	ADJ
ajfa-17362	162	12	variables	variable	NOUN
ajfa-17362	162	13	.	.	PUNCT
ajfa-17362	163	1	specifically	specifically	ADV
ajfa-17362	163	2	,	,	PUNCT
ajfa-17362	163	3	in	in	ADP
ajfa-17362	163	4	column	column	NOUN
ajfa-17362	163	5	(	(	PUNCT
ajfa-17362	163	6	1	1	NUM
ajfa-17362	163	7	)	)	PUNCT
ajfa-17362	163	8	of	of	ADP
ajfa-17362	163	9	the	the	DET
ajfa-17362	163	10	table	table	NOUN
ajfa-17362	163	11	;	;	PUNCT
ajfa-17362	163	12	all	all	DET
ajfa-17362	163	13	the	the	DET
ajfa-17362	163	14	correlation	correlation	NOUN
ajfa-17362	163	15	coefficients	coefficient	VERB
ajfa-17362	163	16	with	with	ADP
ajfa-17362	163	17	the	the	DET
ajfa-17362	163	18	exception	exception	NOUN
ajfa-17362	163	19	of	of	ADP
ajfa-17362	163	20	firm	firm	ADJ
ajfa-17362	163	21	size	size	NOUN
ajfa-17362	163	22	(	(	PUNCT
ajfa-17362	163	23	fsize	fsize	NOUN
ajfa-17362	163	24	)	)	PUNCT
ajfa-17362	163	25	are	be	AUX
ajfa-17362	163	26	negatives	negative	NOUN
ajfa-17362	163	27	indicating	indicate	VERB
ajfa-17362	163	28	that	that	SCONJ
ajfa-17362	163	29	increasing	increase	VERB
ajfa-17362	163	30	risk	risk	NOUN
ajfa-17362	163	31	exposures	exposure	NOUN
ajfa-17362	163	32	of	of	ADP
ajfa-17362	163	33	the	the	DET
ajfa-17362	163	34	dmbs	dmb	NOUN
ajfa-17362	163	35	will	will	AUX
ajfa-17362	163	36	lead	lead	VERB
ajfa-17362	163	37	to	to	ADP
ajfa-17362	163	38	less	less	ADJ
ajfa-17362	163	39	equity	equity	NOUN
ajfa-17362	163	40	returns	return	NOUN
ajfa-17362	163	41	.	.	PUNCT
ajfa-17362	164	1	while	while	SCONJ
ajfa-17362	164	2	the	the	DET
ajfa-17362	164	3	positive	positive	ADJ
ajfa-17362	164	4	correlation	correlation	NOUN
ajfa-17362	164	5	coefficient	coefficient	NOUN
ajfa-17362	164	6	of	of	ADP
ajfa-17362	164	7	0.144(14.4	0.144(14.4	NUM
ajfa-17362	164	8	%	%	NOUN
ajfa-17362	164	9	)	)	PUNCT
ajfa-17362	164	10	between	between	ADP
ajfa-17362	164	11	firm	firm	ADJ
ajfa-17362	164	12	size	size	NOUN
ajfa-17362	164	13	and	and	CCONJ
ajfa-17362	164	14	return	return	NOUN
ajfa-17362	164	15	on	on	ADP
ajfa-17362	164	16	equity	equity	NOUN
ajfa-17362	164	17	(	(	PUNCT
ajfa-17362	164	18	roe	roe	PROPN
ajfa-17362	164	19	)	)	PUNCT
ajfa-17362	164	20	potentially	potentially	ADV
ajfa-17362	164	21	shows	show	VERB
ajfa-17362	164	22	that	that	SCONJ
ajfa-17362	164	23	as	as	ADP
ajfa-17362	164	24	firm	firm	ADJ
ajfa-17362	164	25	size	size	NOUN
ajfa-17362	164	26	increase	increase	NOUN
ajfa-17362	164	27	,	,	PUNCT
ajfa-17362	164	28	the	the	DET
ajfa-17362	164	29	level	level	NOUN
ajfa-17362	164	30	of	of	ADP
ajfa-17362	164	31	marginal	marginal	ADJ
ajfa-17362	164	32	profit	profit	NOUN
ajfa-17362	164	33	will	will	AUX
ajfa-17362	164	34	increase	increase	VERB
ajfa-17362	164	35	,	,	PUNCT
ajfa-17362	164	36	some	some	DET
ajfa-17362	164	37	measures	measure	NOUN
ajfa-17362	164	38	of	of	ADP
ajfa-17362	164	39	risk	risk	NOUN
ajfa-17362	164	40	,	,	PUNCT
ajfa-17362	164	41	especially	especially	ADV
ajfa-17362	164	42	credit	credit	NOUN
ajfa-17362	164	43	risk	risk	NOUN
ajfa-17362	164	44	(	(	PUNCT
ajfa-17362	164	45	cr	cr	NOUN
ajfa-17362	164	46	)	)	PUNCT
ajfa-17362	164	47	and	and	CCONJ
ajfa-17362	164	48	liquidity	liquidity	NOUN
ajfa-17362	164	49	risk	risk	NOUN
ajfa-17362	164	50	(	(	PUNCT
ajfa-17362	164	51	lqr	lqr	PROPN
ajfa-17362	164	52	)	)	PUNCT
ajfa-17362	164	53	show	show	VERB
ajfa-17362	164	54	the	the	DET
ajfa-17362	164	55	same	same	ADJ
ajfa-17362	164	56	magnitude	magnitude	NOUN
ajfa-17362	164	57	of	of	ADP
ajfa-17362	164	58	association	association	NOUN
ajfa-17362	164	59	with	with	ADP
ajfa-17362	164	60	roe	roe	PROPN
ajfa-17362	164	61	,	,	PUNCT
ajfa-17362	164	62	asian	asian	ADJ
ajfa-17362	164	63	journal	journal	NOUN
ajfa-17362	164	64	of	of	ADP
ajfa-17362	164	65	finance	finance	PROPN
ajfa-17362	164	66	&	&	CCONJ
ajfa-17362	164	67	accounting	accounting	PROPN
ajfa-17362	164	68	issn	issn	PROPN
ajfa-17362	164	69	1946	1946	NUM
ajfa-17362	164	70	-	-	PUNCT
ajfa-17362	164	71	052x	052x	NOUN
ajfa-17362	164	72	2020	2020	NUM
ajfa-17362	164	73	,	,	PUNCT
ajfa-17362	164	74	vol	vol	NOUN
ajfa-17362	164	75	.	.	PROPN
ajfa-17362	164	76	12	12	NUM
ajfa-17362	164	77	,	,	PUNCT
ajfa-17362	164	78	no	no	INTJ
ajfa-17362	164	79	.	.	NOUN
ajfa-17362	164	80	2	2	NUM
ajfa-17362	164	81	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	164	82	11	11	NUM
ajfa-17362	164	83	implying	imply	VERB
ajfa-17362	164	84	that	that	SCONJ
ajfa-17362	164	85	cr	cr	PROPN
ajfa-17362	164	86	and	and	CCONJ
ajfa-17362	164	87	lqr	lqr	PROPN
ajfa-17362	164	88	would	would	AUX
ajfa-17362	164	89	likely	likely	ADV
ajfa-17362	164	90	have	have	AUX
ajfa-17362	164	91	a	a	DET
ajfa-17362	164	92	similar	similar	ADJ
ajfa-17362	164	93	negative	negative	ADJ
ajfa-17362	164	94	effect	effect	NOUN
ajfa-17362	164	95	on	on	ADP
ajfa-17362	164	96	the	the	DET
ajfa-17362	164	97	level	level	NOUN
ajfa-17362	164	98	of	of	ADP
ajfa-17362	164	99	equity	equity	NOUN
ajfa-17362	164	100	returns	return	NOUN
ajfa-17362	164	101	of	of	ADP
ajfa-17362	164	102	the	the	DET
ajfa-17362	164	103	selected	select	VERB
ajfa-17362	164	104	listed	list	VERB
ajfa-17362	164	105	banks	bank	NOUN
ajfa-17362	164	106	.	.	PUNCT
ajfa-17362	165	1	in	in	ADP
ajfa-17362	165	2	all	all	PRON
ajfa-17362	165	3	,	,	PUNCT
ajfa-17362	165	4	it	it	PRON
ajfa-17362	165	5	is	be	AUX
ajfa-17362	165	6	evidenced	evidence	VERB
ajfa-17362	165	7	by	by	ADP
ajfa-17362	165	8	the	the	DET
ajfa-17362	165	9	correlation	correlation	NOUN
ajfa-17362	165	10	coefficients	coefficient	NOUN
ajfa-17362	165	11	in	in	ADP
ajfa-17362	165	12	the	the	DET
ajfa-17362	165	13	table	table	NOUN
ajfa-17362	165	14	that	that	SCONJ
ajfa-17362	165	15	there	there	PRON
ajfa-17362	165	16	are	be	VERB
ajfa-17362	165	17	predominantly	predominantly	ADV
ajfa-17362	165	18	negative	negative	ADJ
ajfa-17362	165	19	relationships	relationship	NOUN
ajfa-17362	165	20	between	between	ADP
ajfa-17362	165	21	measures	measure	NOUN
ajfa-17362	165	22	of	of	ADP
ajfa-17362	165	23	operational	operational	ADJ
ajfa-17362	165	24	risks	risk	NOUN
ajfa-17362	165	25	and	and	CCONJ
ajfa-17362	165	26	equity	equity	NOUN
ajfa-17362	165	27	returns	return	NOUN
ajfa-17362	165	28	measures	measure	NOUN
ajfa-17362	165	29	.	.	PUNCT
ajfa-17362	166	1	4.2	4.2	NUM
ajfa-17362	166	2	inferential	inferential	ADJ
ajfa-17362	166	3	statistics	statistic	NOUN
ajfa-17362	166	4	table	table	NOUN
ajfa-17362	166	5	4.4	4.4	NUM
ajfa-17362	166	6	.	.	PUNCT
ajfa-17362	167	1	regression	regression	NOUN
ajfa-17362	167	2	result	result	NOUN
ajfa-17362	167	3	of	of	ADP
ajfa-17362	167	4	the	the	DET
ajfa-17362	167	5	effect	effect	NOUN
ajfa-17362	167	6	of	of	ADP
ajfa-17362	167	7	operational	operational	ADJ
ajfa-17362	167	8	risk	risk	NOUN
ajfa-17362	167	9	on	on	ADP
ajfa-17362	167	10	equity	equity	NOUN
ajfa-17362	167	11	returns	return	NOUN
ajfa-17362	167	12	variable	variable	ADJ
ajfa-17362	167	13	panel	panel	NOUN
ajfa-17362	167	14	regression	regression	NOUN
ajfa-17362	167	15	result	result	VERB
ajfa-17362	167	16	random	random	ADJ
ajfa-17362	167	17	effect	effect	NOUN
ajfa-17362	167	18	model	model	NOUN
ajfa-17362	167	19	without	without	ADP
ajfa-17362	167	20	control	control	NOUN
ajfa-17362	167	21	variable	variable	NOUN
ajfa-17362	167	22	(	(	PUNCT
ajfa-17362	167	23	model	model	NOUN
ajfa-17362	167	24	1	1	NUM
ajfa-17362	167	25	)	)	PUNCT
ajfa-17362	167	26	panel	panel	NOUN
ajfa-17362	167	27	regression	regression	NOUN
ajfa-17362	167	28	result	result	VERB
ajfa-17362	167	29	fixed	fix	VERB
ajfa-17362	167	30	effect	effect	NOUN
ajfa-17362	167	31	model	model	NOUN
ajfa-17362	167	32	with	with	ADP
ajfa-17362	167	33	control	control	NOUN
ajfa-17362	167	34	variable	variable	NOUN
ajfa-17362	167	35	(	(	PUNCT
ajfa-17362	167	36	model	model	NOUN
ajfa-17362	167	37	2	2	NUM
ajfa-17362	167	38	)	)	PUNCT
ajfa-17362	167	39	dependent	dependent	ADJ
ajfa-17362	167	40	variable	variable	NOUN
ajfa-17362	167	41	=	=	PROPN
ajfa-17362	167	42	lognpmr	lognpmr	PROPN
ajfa-17362	167	43	coeff	coeff	PROPN
ajfa-17362	167	44	.	.	PUNCT
ajfa-17362	168	1	robust	robust	ADJ
ajfa-17362	168	2	std	std	NOUN
ajfa-17362	168	3	.	.	PUNCT
ajfa-17362	168	4	error	error	NOUN
ajfa-17362	168	5	.	.	PUNCT
ajfa-17362	169	1	t	t	NOUN
ajfa-17362	169	2	-	-	PUNCT
ajfa-17362	169	3	stat	stat	NOUN
ajfa-17362	169	4	.	.	PUNCT
ajfa-17362	170	1	p	p	X
ajfa-17362	170	2	-	-	PUNCT
ajfa-17362	170	3	value	value	NOUN
ajfa-17362	170	4	coeff	coeff	NOUN
ajfa-17362	170	5	.	.	PUNCT
ajfa-17362	171	1	robust	robust	ADJ
ajfa-17362	171	2	std	std	NOUN
ajfa-17362	171	3	.	.	PUNCT
ajfa-17362	171	4	error	error	NOUN
ajfa-17362	171	5	.	.	PUNCT
ajfa-17362	172	1	t	t	NOUN
ajfa-17362	172	2	-	-	PUNCT
ajfa-17362	172	3	stat	stat	NOUN
ajfa-17362	172	4	.	.	PUNCT
ajfa-17362	173	1	p	p	X
ajfa-17362	173	2	-	-	PUNCT
ajfa-17362	173	3	value	value	NOUN
ajfa-17362	173	4	.	.	PUNCT
ajfa-17362	174	1	c	c	NOUN
ajfa-17362	174	2	1.672	1.672	NUM
ajfa-17362	174	3	*	*	SYM
ajfa-17362	174	4	0.235	0.235	NUM
ajfa-17362	174	5	7.114	7.114	NUM
ajfa-17362	174	6	0.000	0.000	NUM
ajfa-17362	174	7	1.897	1.897	NUM
ajfa-17362	174	8	*	*	NUM
ajfa-17362	174	9	0.405	0.405	NUM
ajfa-17362	174	10	4.678	4.678	NUM
ajfa-17362	174	11	0.000	0.000	NUM
ajfa-17362	174	12	∆(logroe	∆(logroe	NOUN
ajfa-17362	174	13	)	)	PUNCT
ajfa-17362	174	14	0.402	0.402	NUM
ajfa-17362	174	15	*	*	PUNCT
ajfa-17362	174	16	0.064	0.064	NUM
ajfa-17362	174	17	6.270	6.270	NUM
ajfa-17362	174	18	0.000	0.000	NUM
ajfa-17362	174	19	0.383	0.383	NUM
ajfa-17362	174	20	*	*	PUNCT
ajfa-17362	174	21	0.059	0.059	NUM
ajfa-17362	174	22	6.462	6.462	NUM
ajfa-17362	174	23	0.000	0.000	NUM
ajfa-17362	174	24	logcr	logcr	NOUN
ajfa-17362	174	25	-0.007	-0.007	PROPN
ajfa-17362	174	26	*	*	PROPN
ajfa-17362	174	27	0.001	0.001	NUM
ajfa-17362	174	28	-4.770	-4.770	NOUN
ajfa-17362	174	29	0.000	0.000	NUM
ajfa-17362	175	1	-0.008	-0.008	NOUN
ajfa-17362	175	2	*	*	NOUN
ajfa-17362	175	3	0.002	0.002	NUM
ajfa-17362	175	4	-4.989	-4.989	SYM
ajfa-17362	175	5	0.000	0.000	NUM
ajfa-17362	175	6	loginsr	loginsr	NOUN
ajfa-17362	175	7	-0.036	-0.036	NOUN
ajfa-17362	175	8	0.055	0.055	NUM
ajfa-17362	175	9	-0.665	-0.665	PUNCT
ajfa-17362	175	10	0.508	0.508	NUM
ajfa-17362	175	11	-0.129	-0.129	PUNCT
ajfa-17362	175	12	*	*	PUNCT
ajfa-17362	175	13	*	*	NOUN
ajfa-17362	175	14	0.057	0.057	NUM
ajfa-17362	175	15	-2.249	-2.249	NUM
ajfa-17362	175	16	0.027	0.027	NUM
ajfa-17362	175	17	loglqr	loglqr	VERB
ajfa-17362	175	18	-0.152	-0.152	PUNCT
ajfa-17362	175	19	*	*	PUNCT
ajfa-17362	175	20	*	*	PUNCT
ajfa-17362	176	1	0.065	0.065	NUM
ajfa-17362	176	2	-2.345	-2.345	NUM
ajfa-17362	176	3	0.021	0.021	NUM
ajfa-17362	176	4	-0.175	-0.175	PUNCT
ajfa-17362	177	1	*	*	PUNCT
ajfa-17362	177	2	*	*	PUNCT
ajfa-17362	177	3	0.065	0.065	NUM
ajfa-17362	177	4	-2.703	-2.703	SYM
ajfa-17362	177	5	0.008	0.008	NUM
ajfa-17362	177	6	fsize	fsize	NOUN
ajfa-17362	177	7	0.010	0.010	NUM
ajfa-17362	177	8	0.041	0.041	NUM
ajfa-17362	177	9	0.248	0.248	NUM
ajfa-17362	177	10	0.805	0.805	NUM
ajfa-17362	177	11	∆(fsize	∆(fsize	NOUN
ajfa-17362	177	12	)	)	PUNCT
ajfa-17362	177	13	-0.063	-0.063	NUM
ajfa-17362	177	14	0.041	0.041	NUM
ajfa-17362	177	15	-1.564	-1.564	NUM
ajfa-17362	177	16	0.121	0.121	NUM
ajfa-17362	177	17	adj	adj	NOUN
ajfa-17362	177	18	.	.	PUNCT
ajfa-17362	178	1	r2	r2	PROPN
ajfa-17362	178	2	=	=	PROPN
ajfa-17362	178	3	0.535	0.535	NUM
ajfa-17362	178	4	;	;	PUNCT
ajfa-17362	178	5	f	f	X
ajfa-17362	178	6	-	-	PUNCT
ajfa-17362	178	7	stat	stat	NOUN
ajfa-17362	178	8	=	=	SYM
ajfa-17362	178	9	9.955	9.955	NUM
ajfa-17362	178	10	(	(	PUNCT
ajfa-17362	178	11	0.000	0.000	NUM
ajfa-17362	178	12	)	)	PUNCT
ajfa-17362	178	13	adj	adj	PROPN
ajfa-17362	178	14	.	.	PUNCT
ajfa-17362	178	15	r2	r2	PROPN
ajfa-17362	178	16	=	=	PROPN
ajfa-17362	178	17	0.435	0.435	NUM
ajfa-17362	178	18	;	;	PUNCT
ajfa-17362	178	19	f	f	X
ajfa-17362	178	20	-	-	PUNCT
ajfa-17362	178	21	stat	stat	NOUN
ajfa-17362	178	22	=	=	NOUN
ajfa-17362	178	23	6.645	6.645	NUM
ajfa-17362	178	24	(	(	PUNCT
ajfa-17362	178	25	0.000	0.000	NUM
ajfa-17362	178	26	)	)	PUNCT
ajfa-17362	178	27	hausman	hausman	PROPN
ajfa-17362	178	28	test	test	VERB
ajfa-17362	178	29	2.239	2.239	NUM
ajfa-17362	178	30	(	(	PUNCT
ajfa-17362	178	31	0.692	0.692	NUM
ajfa-17362	178	32	)	)	PUNCT
ajfa-17362	178	33	32.521	32.521	NUM
ajfa-17362	178	34	(	(	PUNCT
ajfa-17362	178	35	0.000	0.000	NUM
ajfa-17362	178	36	)	)	PUNCT
ajfa-17362	178	37	bp	bp	PROPN
ajfa-17362	178	38	lm	lm	PROPN
ajfa-17362	178	39	test	test	PROPN
ajfa-17362	178	40	80.690	80.690	NUM
ajfa-17362	178	41	(	(	PUNCT
ajfa-17362	178	42	0.000	0.000	NUM
ajfa-17362	178	43	)	)	PUNCT
ajfa-17362	178	44	52.700	52.700	NUM
ajfa-17362	178	45	(	(	PUNCT
ajfa-17362	178	46	0.201	0.201	NUM
ajfa-17362	178	47	)	)	PUNCT
ajfa-17362	178	48	pcd	pcd	NOUN
ajfa-17362	178	49	test	test	NOUN
ajfa-17362	178	50	-1.597	-1.597	PUNCT
ajfa-17362	178	51	(	(	PUNCT
ajfa-17362	178	52	0.110	0.110	NUM
ajfa-17362	178	53	)	)	PUNCT
ajfa-17362	178	54	2.984	2.984	NUM
ajfa-17362	178	55	(	(	PUNCT
ajfa-17362	178	56	0.003	0.003	NUM
ajfa-17362	178	57	)	)	PUNCT
ajfa-17362	178	58	source	source	NOUN
ajfa-17362	178	59	:	:	PUNCT
ajfa-17362	178	60	author	author	NOUN
ajfa-17362	178	61	’s	’s	PART
ajfa-17362	178	62	computation	computation	NOUN
ajfa-17362	178	63	(	(	PUNCT
ajfa-17362	178	64	2020	2020	NUM
ajfa-17362	178	65	)	)	PUNCT
ajfa-17362	178	66	.	.	PUNCT
ajfa-17362	179	1	note	note	VERB
ajfa-17362	179	2	:	:	PUNCT
ajfa-17362	180	1	*	*	PUNCT
ajfa-17362	180	2	and	and	CCONJ
ajfa-17362	180	3	*	*	PUNCT
ajfa-17362	180	4	*	*	PUNCT
ajfa-17362	180	5	represent	represent	VERB
ajfa-17362	180	6	1	1	NUM
ajfa-17362	180	7	%	%	NOUN
ajfa-17362	180	8	and	and	CCONJ
ajfa-17362	180	9	5	5	NUM
ajfa-17362	180	10	%	%	NOUN
ajfa-17362	180	11	level	level	NOUN
ajfa-17362	180	12	of	of	ADP
ajfa-17362	180	13	statistical	statistical	ADJ
ajfa-17362	180	14	significance	significance	NOUN
ajfa-17362	180	15	.	.	PUNCT
ajfa-17362	181	1	4.2.1	4.2.1	NOUN
ajfa-17362	181	2	.	.	PUNCT
ajfa-17362	181	3	hausman	hausman	PROPN
ajfa-17362	181	4	tests	test	NOUN
ajfa-17362	181	5	and	and	CCONJ
ajfa-17362	181	6	breusch	breusch	NOUN
ajfa-17362	181	7	and	and	CCONJ
ajfa-17362	181	8	pagan	pagan	VERB
ajfa-17362	181	9	lm	lm	INTJ
ajfa-17362	181	10	test	test	NOUN
ajfa-17362	181	11	as	as	ADP
ajfa-17362	181	12	in	in	ADP
ajfa-17362	181	13	table	table	NOUN
ajfa-17362	181	14	4.4	4.4	NUM
ajfa-17362	181	15	in	in	ADP
ajfa-17362	181	16	model	model	NOUN
ajfa-17362	181	17	1	1	NUM
ajfa-17362	181	18	,	,	PUNCT
ajfa-17362	181	19	the	the	DET
ajfa-17362	181	20	hausman	hausman	ADJ
ajfa-17362	181	21	test	test	NOUN
ajfa-17362	181	22	result	result	NOUN
ajfa-17362	181	23	without	without	ADP
ajfa-17362	181	24	the	the	DET
ajfa-17362	181	25	control	control	NOUN
ajfa-17362	181	26	variable	variable	NOUN
ajfa-17362	181	27	is	be	AUX
ajfa-17362	181	28	not	not	PART
ajfa-17362	181	29	significant	significant	ADJ
ajfa-17362	181	30	(	(	PUNCT
ajfa-17362	181	31	p	p	NOUN
ajfa-17362	181	32	-	-	PUNCT
ajfa-17362	181	33	values	value	NOUN
ajfa-17362	181	34	>	>	X
ajfa-17362	181	35	0.05	0.05	NUM
ajfa-17362	181	36	)	)	PUNCT
ajfa-17362	181	37	.	.	PUNCT
ajfa-17362	182	1	this	this	PRON
ajfa-17362	182	2	suggests	suggest	VERB
ajfa-17362	182	3	the	the	DET
ajfa-17362	182	4	acceptance	acceptance	NOUN
ajfa-17362	182	5	of	of	ADP
ajfa-17362	182	6	the	the	DET
ajfa-17362	182	7	null	null	ADJ
ajfa-17362	182	8	hypothesis	hypothesis	NOUN
ajfa-17362	182	9	and	and	CCONJ
ajfa-17362	182	10	that	that	SCONJ
ajfa-17362	182	11	the	the	DET
ajfa-17362	182	12	asian	asian	ADJ
ajfa-17362	182	13	journal	journal	NOUN
ajfa-17362	182	14	of	of	ADP
ajfa-17362	182	15	finance	finance	PROPN
ajfa-17362	182	16	&	&	CCONJ
ajfa-17362	182	17	accounting	accounting	PROPN
ajfa-17362	182	18	issn	issn	PROPN
ajfa-17362	182	19	1946	1946	NUM
ajfa-17362	182	20	-	-	PUNCT
ajfa-17362	182	21	052x	052x	NOUN
ajfa-17362	182	22	2020	2020	NUM
ajfa-17362	182	23	,	,	PUNCT
ajfa-17362	182	24	vol	vol	NOUN
ajfa-17362	182	25	.	.	PROPN
ajfa-17362	182	26	12	12	NUM
ajfa-17362	182	27	,	,	PUNCT
ajfa-17362	182	28	no	no	INTJ
ajfa-17362	182	29	.	.	NOUN
ajfa-17362	182	30	2	2	NUM
ajfa-17362	182	31	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	182	32	12	12	NUM
ajfa-17362	182	33	random	random	ADJ
ajfa-17362	182	34	effects	effect	NOUN
ajfa-17362	182	35	estimator	estimator	NOUN
ajfa-17362	182	36	is	be	AUX
ajfa-17362	182	37	appropriate	appropriate	ADJ
ajfa-17362	182	38	in	in	ADP
ajfa-17362	182	39	investigating	investigate	VERB
ajfa-17362	182	40	the	the	DET
ajfa-17362	182	41	effect	effect	NOUN
ajfa-17362	182	42	of	of	ADP
ajfa-17362	182	43	operational	operational	ADJ
ajfa-17362	182	44	risk	risk	NOUN
ajfa-17362	182	45	on	on	ADP
ajfa-17362	182	46	the	the	DET
ajfa-17362	182	47	financial	financial	ADJ
ajfa-17362	182	48	performance	performance	NOUN
ajfa-17362	182	49	of	of	ADP
ajfa-17362	182	50	the	the	DET
ajfa-17362	182	51	listed	list	VERB
ajfa-17362	182	52	dmbs	dmb	NOUN
ajfa-17362	182	53	in	in	ADP
ajfa-17362	182	54	nigeria	nigeria	PROPN
ajfa-17362	182	55	.	.	PUNCT
ajfa-17362	183	1	however	however	ADV
ajfa-17362	183	2	,	,	PUNCT
ajfa-17362	183	3	the	the	DET
ajfa-17362	183	4	breusch	breusch	NOUN
ajfa-17362	183	5	and	and	CCONJ
ajfa-17362	183	6	pagan	pagan	VERB
ajfa-17362	183	7	lm	lm	INTJ
ajfa-17362	183	8	test	test	NOUN
ajfa-17362	183	9	employed	employ	VERB
ajfa-17362	183	10	to	to	PART
ajfa-17362	183	11	confirm	confirm	VERB
ajfa-17362	183	12	the	the	DET
ajfa-17362	183	13	results	result	NOUN
ajfa-17362	183	14	of	of	ADP
ajfa-17362	183	15	hausman	hausman	ADJ
ajfa-17362	183	16	tests	test	NOUN
ajfa-17362	183	17	further	far	ADV
ajfa-17362	183	18	strengthened	strengthen	VERB
ajfa-17362	183	19	the	the	DET
ajfa-17362	183	20	decision	decision	NOUN
ajfa-17362	183	21	to	to	PART
ajfa-17362	183	22	use	use	VERB
ajfa-17362	183	23	the	the	DET
ajfa-17362	183	24	random	random	ADJ
ajfa-17362	183	25	effect	effect	NOUN
ajfa-17362	183	26	model	model	NOUN
ajfa-17362	183	27	as	as	SCONJ
ajfa-17362	183	28	its	its	PRON
ajfa-17362	183	29	estimated	estimate	VERB
ajfa-17362	183	30	value	value	NOUN
ajfa-17362	183	31	is	be	AUX
ajfa-17362	183	32	statistically	statistically	ADV
ajfa-17362	183	33	significant	significant	ADJ
ajfa-17362	183	34	.	.	PUNCT
ajfa-17362	184	1	by	by	ADP
ajfa-17362	184	2	this	this	PRON
ajfa-17362	184	3	,	,	PUNCT
ajfa-17362	184	4	the	the	DET
ajfa-17362	184	5	null	null	ADJ
ajfa-17362	184	6	hypothesis	hypothesis	NOUN
ajfa-17362	184	7	underlying	underlie	VERB
ajfa-17362	184	8	the	the	DET
ajfa-17362	184	9	bp	bp	PROPN
ajfa-17362	184	10	lm	lm	PROPN
ajfa-17362	184	11	test	test	NOUN
ajfa-17362	184	12	is	be	AUX
ajfa-17362	184	13	rejected	reject	VERB
ajfa-17362	184	14	and	and	CCONJ
ajfa-17362	184	15	that	that	SCONJ
ajfa-17362	184	16	the	the	DET
ajfa-17362	184	17	pooled	pool	VERB
ajfa-17362	184	18	ols	ol	NOUN
ajfa-17362	184	19	can	can	AUX
ajfa-17362	184	20	not	not	PART
ajfa-17362	184	21	be	be	AUX
ajfa-17362	184	22	used	use	VERB
ajfa-17362	184	23	.	.	PUNCT
ajfa-17362	185	1	therefore	therefore	ADV
ajfa-17362	185	2	,	,	PUNCT
ajfa-17362	185	3	the	the	DET
ajfa-17362	185	4	random	random	ADJ
ajfa-17362	185	5	effect	effect	NOUN
ajfa-17362	185	6	model	model	NOUN
ajfa-17362	185	7	is	be	AUX
ajfa-17362	185	8	considered	consider	VERB
ajfa-17362	185	9	as	as	ADP
ajfa-17362	185	10	the	the	DET
ajfa-17362	185	11	most	most	ADV
ajfa-17362	185	12	appropriate	appropriate	ADJ
ajfa-17362	185	13	and	and	CCONJ
ajfa-17362	185	14	used	use	VERB
ajfa-17362	185	15	for	for	ADP
ajfa-17362	185	16	the	the	DET
ajfa-17362	185	17	analyses	analysis	NOUN
ajfa-17362	185	18	of	of	ADP
ajfa-17362	185	19	the	the	DET
ajfa-17362	185	20	model	model	NOUN
ajfa-17362	185	21	in	in	ADP
ajfa-17362	185	22	panel	panel	NOUN
ajfa-17362	185	23	1	1	NUM
ajfa-17362	185	24	without	without	ADP
ajfa-17362	185	25	the	the	DET
ajfa-17362	185	26	control	control	NOUN
ajfa-17362	185	27	variable	variable	NOUN
ajfa-17362	185	28	.	.	PUNCT
ajfa-17362	186	1	for	for	ADP
ajfa-17362	186	2	the	the	DET
ajfa-17362	186	3	model	model	NOUN
ajfa-17362	186	4	with	with	ADP
ajfa-17362	186	5	the	the	DET
ajfa-17362	186	6	control	control	NOUN
ajfa-17362	186	7	variable	variable	NOUN
ajfa-17362	186	8	in	in	ADP
ajfa-17362	186	9	a	a	DET
ajfa-17362	186	10	panel	panel	NOUN
ajfa-17362	186	11	in	in	ADP
ajfa-17362	186	12	model	model	NOUN
ajfa-17362	186	13	4	4	NUM
ajfa-17362	186	14	of	of	ADP
ajfa-17362	186	15	table	table	NOUN
ajfa-17362	186	16	4.4	4.4	NUM
ajfa-17362	186	17	,	,	PUNCT
ajfa-17362	186	18	the	the	DET
ajfa-17362	186	19	hausman	hausman	ADJ
ajfa-17362	186	20	test	test	NOUN
ajfa-17362	186	21	result	result	NOUN
ajfa-17362	186	22	is	be	AUX
ajfa-17362	186	23	statistically	statistically	ADV
ajfa-17362	186	24	significant	significant	ADJ
ajfa-17362	186	25	with	with	ADP
ajfa-17362	186	26	p	p	NOUN
ajfa-17362	186	27	-	-	PUNCT
ajfa-17362	186	28	values	value	NOUN
ajfa-17362	186	29	<	<	X
ajfa-17362	186	30	0.05	0.05	NUM
ajfa-17362	186	31	.	.	PUNCT
ajfa-17362	187	1	this	this	PRON
ajfa-17362	187	2	implies	imply	VERB
ajfa-17362	187	3	the	the	DET
ajfa-17362	187	4	rejection	rejection	NOUN
ajfa-17362	187	5	of	of	ADP
ajfa-17362	187	6	the	the	DET
ajfa-17362	187	7	null	null	ADJ
ajfa-17362	187	8	hypothesis	hypothesis	NOUN
ajfa-17362	187	9	and	and	CCONJ
ajfa-17362	187	10	the	the	DET
ajfa-17362	187	11	suggestion	suggestion	NOUN
ajfa-17362	187	12	is	be	AUX
ajfa-17362	187	13	that	that	SCONJ
ajfa-17362	187	14	the	the	DET
ajfa-17362	187	15	fixed	fix	VERB
ajfa-17362	187	16	effect	effect	NOUN
ajfa-17362	187	17	model	model	NOUN
ajfa-17362	187	18	is	be	AUX
ajfa-17362	187	19	the	the	DET
ajfa-17362	187	20	best	good	ADJ
ajfa-17362	187	21	.	.	PUNCT
ajfa-17362	188	1	on	on	ADP
ajfa-17362	188	2	the	the	DET
ajfa-17362	188	3	contrary	contrary	NOUN
ajfa-17362	188	4	,	,	PUNCT
ajfa-17362	188	5	however	however	ADV
ajfa-17362	188	6	,	,	PUNCT
ajfa-17362	188	7	the	the	DET
ajfa-17362	188	8	breusch	breusch	NOUN
ajfa-17362	188	9	and	and	CCONJ
ajfa-17362	188	10	pagan	pagan	VERB
ajfa-17362	188	11	lm	lm	INTJ
ajfa-17362	188	12	test	test	NOUN
ajfa-17362	188	13	(	(	PUNCT
ajfa-17362	188	14	b	b	NOUN
ajfa-17362	188	15	-	-	PUNCT
ajfa-17362	188	16	p	p	ADJ
ajfa-17362	188	17	lm	lm	PROPN
ajfa-17362	188	18	)	)	PUNCT
ajfa-17362	188	19	result	result	NOUN
ajfa-17362	188	20	is	be	AUX
ajfa-17362	188	21	not	not	PART
ajfa-17362	188	22	statistically	statistically	ADV
ajfa-17362	188	23	significant	significant	ADJ
ajfa-17362	188	24	and	and	CCONJ
ajfa-17362	188	25	this	this	PRON
ajfa-17362	188	26	implies	imply	VERB
ajfa-17362	188	27	that	that	PRON
ajfa-17362	188	28	pooled	pool	VERB
ajfa-17362	188	29	ols	ol	NOUN
ajfa-17362	188	30	should	should	AUX
ajfa-17362	188	31	be	be	AUX
ajfa-17362	188	32	used	use	VERB
ajfa-17362	188	33	.	.	PUNCT
ajfa-17362	189	1	the	the	DET
ajfa-17362	189	2	comparison	comparison	NOUN
ajfa-17362	189	3	of	of	ADP
ajfa-17362	189	4	the	the	DET
ajfa-17362	189	5	f	f	NOUN
ajfa-17362	189	6	-	-	PUNCT
ajfa-17362	189	7	test	test	NOUN
ajfa-17362	189	8	and	and	CCONJ
ajfa-17362	189	9	the	the	DET
ajfa-17362	189	10	adjusted	adjust	VERB
ajfa-17362	189	11	coefficient	coefficient	NOUN
ajfa-17362	189	12	of	of	ADP
ajfa-17362	189	13	the	the	DET
ajfa-17362	189	14	determination	determination	NOUN
ajfa-17362	189	15	(	(	PUNCT
ajfa-17362	189	16	adj	adj	X
ajfa-17362	189	17	.	.	PUNCT
ajfa-17362	189	18	r2	r2	PROPN
ajfa-17362	189	19	)	)	PUNCT
ajfa-17362	189	20	the	the	DET
ajfa-17362	189	21	pooled	pooled	ADJ
ajfa-17362	189	22	and	and	CCONJ
ajfa-17362	189	23	fixed	fix	VERB
ajfa-17362	189	24	-	-	PUNCT
ajfa-17362	189	25	effect	effect	NOUN
ajfa-17362	189	26	model	model	NOUN
ajfa-17362	189	27	,	,	PUNCT
ajfa-17362	189	28	however	however	ADV
ajfa-17362	189	29	,	,	PUNCT
ajfa-17362	189	30	suggests	suggest	VERB
ajfa-17362	189	31	that	that	SCONJ
ajfa-17362	189	32	the	the	DET
ajfa-17362	189	33	fixed	fix	VERB
ajfa-17362	189	34	effect	effect	NOUN
ajfa-17362	189	35	model	model	NOUN
ajfa-17362	189	36	is	be	AUX
ajfa-17362	189	37	the	the	DET
ajfa-17362	189	38	best	good	ADJ
ajfa-17362	189	39	.	.	PUNCT
ajfa-17362	190	1	therefore	therefore	ADV
ajfa-17362	190	2	,	,	PUNCT
ajfa-17362	190	3	the	the	DET
ajfa-17362	190	4	fixed	fix	VERB
ajfa-17362	190	5	effect	effect	NOUN
ajfa-17362	190	6	model	model	NOUN
ajfa-17362	190	7	is	be	AUX
ajfa-17362	190	8	reported	report	VERB
ajfa-17362	190	9	for	for	ADP
ajfa-17362	190	10	the	the	DET
ajfa-17362	190	11	effect	effect	NOUN
ajfa-17362	190	12	of	of	ADP
ajfa-17362	190	13	operational	operational	ADJ
ajfa-17362	190	14	risk	risk	NOUN
ajfa-17362	190	15	on	on	ADP
ajfa-17362	190	16	equity	equity	NOUN
ajfa-17362	190	17	returns	return	NOUN
ajfa-17362	190	18	(	(	PUNCT
ajfa-17362	190	19	roe	roe	NOUN
ajfa-17362	190	20	)	)	PUNCT
ajfa-17362	190	21	of	of	ADP
ajfa-17362	190	22	the	the	DET
ajfa-17362	190	23	selected	select	VERB
ajfa-17362	190	24	dmbs	dmb	NOUN
ajfa-17362	190	25	with	with	ADP
ajfa-17362	190	26	firm	firm	ADJ
ajfa-17362	190	27	size	size	NOUN
ajfa-17362	190	28	as	as	ADP
ajfa-17362	190	29	the	the	DET
ajfa-17362	190	30	control	control	NOUN
ajfa-17362	190	31	variable	variable	NOUN
ajfa-17362	190	32	in	in	ADP
ajfa-17362	190	33	panel	panel	NOUN
ajfa-17362	190	34	2	2	NUM
ajfa-17362	190	35	.	.	PUNCT
ajfa-17362	191	1	4.2.3	4.2.3	NUM
ajfa-17362	191	2	cross	cross	ADJ
ajfa-17362	191	3	-	-	ADJ
ajfa-17362	191	4	sectional	sectional	ADJ
ajfa-17362	191	5	dependence	dependence	NOUN
ajfa-17362	191	6	test	test	NOUN
ajfa-17362	191	7	in	in	ADP
ajfa-17362	191	8	this	this	DET
ajfa-17362	191	9	study	study	NOUN
ajfa-17362	191	10	,	,	PUNCT
ajfa-17362	191	11	pesaran	pesaran	PROPN
ajfa-17362	191	12	cd	cd	PROPN
ajfa-17362	191	13	test	test	NOUN
ajfa-17362	191	14	statistic	statistic	PROPN
ajfa-17362	191	15	results	result	NOUN
ajfa-17362	191	16	in	in	ADP
ajfa-17362	191	17	table	table	NOUN
ajfa-17362	191	18	4.4	4.4	NUM
ajfa-17362	191	19	are	be	AUX
ajfa-17362	191	20	meant	mean	VERB
ajfa-17362	191	21	to	to	PART
ajfa-17362	191	22	check	check	VERB
ajfa-17362	191	23	whether	whether	SCONJ
ajfa-17362	191	24	the	the	DET
ajfa-17362	191	25	estimated	estimate	VERB
ajfa-17362	191	26	models	model	NOUN
ajfa-17362	191	27	have	have	AUX
ajfa-17362	191	28	cross	cros	VERB
ajfa-17362	191	29	sectional	sectional	ADJ
ajfa-17362	191	30	dependence	dependence	NOUN
ajfa-17362	191	31	or	or	CCONJ
ajfa-17362	191	32	not	not	PART
ajfa-17362	191	33	when	when	SCONJ
ajfa-17362	191	34	return	return	VERB
ajfa-17362	191	35	on	on	ADP
ajfa-17362	191	36	equity	equity	NOUN
ajfa-17362	191	37	(	(	PUNCT
ajfa-17362	191	38	roe	roe	PROPN
ajfa-17362	191	39	)	)	PUNCT
ajfa-17362	191	40	is	be	AUX
ajfa-17362	191	41	regressed	regress	VERB
ajfa-17362	191	42	on	on	ADP
ajfa-17362	191	43	credit	credit	NOUN
ajfa-17362	191	44	risk	risk	NOUN
ajfa-17362	191	45	(	(	PUNCT
ajfa-17362	191	46	cr	cr	NOUN
ajfa-17362	191	47	)	)	PUNCT
ajfa-17362	191	48	,	,	PUNCT
ajfa-17362	191	49	insolvency	insolvency	NOUN
ajfa-17362	191	50	risk	risk	NOUN
ajfa-17362	191	51	(	(	PUNCT
ajfa-17362	191	52	insr	insr	NOUN
ajfa-17362	191	53	)	)	PUNCT
ajfa-17362	191	54	,	,	PUNCT
ajfa-17362	191	55	and	and	CCONJ
ajfa-17362	191	56	liquidity	liquidity	NOUN
ajfa-17362	191	57	risk	risk	NOUN
ajfa-17362	191	58	(	(	PUNCT
ajfa-17362	191	59	lqr	lqr	PROPN
ajfa-17362	191	60	)	)	PUNCT
ajfa-17362	191	61	,	,	PUNCT
ajfa-17362	191	62	as	as	ADV
ajfa-17362	191	63	well	well	ADV
ajfa-17362	191	64	as	as	ADP
ajfa-17362	191	65	firm	firm	ADJ
ajfa-17362	191	66	size	size	NOUN
ajfa-17362	191	67	(	(	PUNCT
ajfa-17362	191	68	fsize	fsize	NOUN
ajfa-17362	191	69	)	)	PUNCT
ajfa-17362	191	70	.	.	PUNCT
ajfa-17362	192	1	from	from	ADP
ajfa-17362	192	2	the	the	DET
ajfa-17362	192	3	table	table	NOUN
ajfa-17362	192	4	above	above	ADV
ajfa-17362	192	5	,	,	PUNCT
ajfa-17362	192	6	the	the	DET
ajfa-17362	192	7	pcd	pcd	PROPN
ajfa-17362	192	8	test	test	NOUN
ajfa-17362	192	9	value	value	NOUN
ajfa-17362	192	10	in	in	ADP
ajfa-17362	192	11	the	the	DET
ajfa-17362	192	12	model	model	NOUN
ajfa-17362	192	13	without	without	ADP
ajfa-17362	192	14	the	the	DET
ajfa-17362	192	15	control	control	NOUN
ajfa-17362	192	16	is	be	AUX
ajfa-17362	192	17	statistically	statistically	ADV
ajfa-17362	192	18	insignificant	insignificant	ADJ
ajfa-17362	192	19	,	,	PUNCT
ajfa-17362	192	20	and	and	CCONJ
ajfa-17362	192	21	it	it	PRON
ajfa-17362	192	22	strongly	strongly	ADV
ajfa-17362	192	23	suggests	suggest	VERB
ajfa-17362	192	24	the	the	DET
ajfa-17362	192	25	acceptance	acceptance	NOUN
ajfa-17362	192	26	of	of	ADP
ajfa-17362	192	27	the	the	DET
ajfa-17362	192	28	null	null	ADJ
ajfa-17362	192	29	hypothesis	hypothesis	NOUN
ajfa-17362	192	30	of	of	ADP
ajfa-17362	192	31	no	no	DET
ajfa-17362	192	32	cross	cross	ADJ
ajfa-17362	192	33	-	-	ADJ
ajfa-17362	192	34	sectional	sectional	ADJ
ajfa-17362	192	35	dependence	dependence	NOUN
ajfa-17362	192	36	in	in	ADP
ajfa-17362	192	37	the	the	DET
ajfa-17362	192	38	model	model	NOUN
ajfa-17362	192	39	.	.	PUNCT
ajfa-17362	193	1	the	the	DET
ajfa-17362	193	2	pcd	pcd	PROPN
ajfa-17362	193	3	test	test	NOUN
ajfa-17362	193	4	for	for	ADP
ajfa-17362	193	5	the	the	DET
ajfa-17362	193	6	model	model	NOUN
ajfa-17362	193	7	with	with	ADP
ajfa-17362	193	8	control	control	PROPN
ajfa-17362	193	9	variable	variable	NOUN
ajfa-17362	193	10	shows	show	VERB
ajfa-17362	193	11	that	that	SCONJ
ajfa-17362	193	12	there	there	PRON
ajfa-17362	193	13	is	be	VERB
ajfa-17362	193	14	a	a	DET
ajfa-17362	193	15	cross	cross	ADJ
ajfa-17362	193	16	-	-	ADJ
ajfa-17362	193	17	sectional	sectional	ADJ
ajfa-17362	193	18	dependency	dependency	NOUN
ajfa-17362	193	19	of	of	ADP
ajfa-17362	193	20	the	the	DET
ajfa-17362	193	21	units	unit	NOUN
ajfa-17362	193	22	examined	examine	VERB
ajfa-17362	193	23	because	because	SCONJ
ajfa-17362	193	24	the	the	DET
ajfa-17362	193	25	test	test	NOUN
ajfa-17362	193	26	is	be	AUX
ajfa-17362	193	27	statistically	statistically	ADV
ajfa-17362	193	28	significant	significant	ADJ
ajfa-17362	193	29	.	.	PUNCT
ajfa-17362	194	1	the	the	DET
ajfa-17362	194	2	implication	implication	NOUN
ajfa-17362	194	3	is	be	AUX
ajfa-17362	194	4	that	that	SCONJ
ajfa-17362	194	5	the	the	DET
ajfa-17362	194	6	selected	select	VERB
ajfa-17362	194	7	listed	list	VERB
ajfa-17362	194	8	dmbs	dmb	NOUN
ajfa-17362	194	9	are	be	AUX
ajfa-17362	194	10	in	in	ADP
ajfa-17362	194	11	the	the	DET
ajfa-17362	194	12	same	same	ADJ
ajfa-17362	194	13	sector	sector	NOUN
ajfa-17362	194	14	,	,	PUNCT
ajfa-17362	194	15	hence	hence	ADV
ajfa-17362	194	16	there	there	PRON
ajfa-17362	194	17	is	be	VERB
ajfa-17362	194	18	an	an	DET
ajfa-17362	194	19	unobserved	unobserved	ADJ
ajfa-17362	194	20	common	common	ADJ
ajfa-17362	194	21	factor	factor	NOUN
ajfa-17362	194	22	among	among	ADP
ajfa-17362	194	23	the	the	DET
ajfa-17362	194	24	non	non	ADJ
ajfa-17362	194	25	-	-	ADJ
ajfa-17362	194	26	stationary	stationary	ADJ
ajfa-17362	194	27	panels	panel	NOUN
ajfa-17362	194	28	of	of	ADP
ajfa-17362	194	29	the	the	DET
ajfa-17362	194	30	selected	select	VERB
ajfa-17362	194	31	banks	bank	NOUN
ajfa-17362	194	32	.	.	PUNCT
ajfa-17362	195	1	following	follow	VERB
ajfa-17362	195	2	the	the	DET
ajfa-17362	195	3	post	post	ADJ
ajfa-17362	195	4	-	-	ADJ
ajfa-17362	195	5	estimation	estimation	ADJ
ajfa-17362	195	6	tests	test	NOUN
ajfa-17362	195	7	’	'	PUNCT
ajfa-17362	195	8	results	result	NOUN
ajfa-17362	195	9	carried	carry	VERB
ajfa-17362	195	10	out	out	ADP
ajfa-17362	195	11	,	,	PUNCT
ajfa-17362	195	12	the	the	DET
ajfa-17362	195	13	results	result	NOUN
ajfa-17362	195	14	of	of	ADP
ajfa-17362	195	15	the	the	DET
ajfa-17362	195	16	random	random	ADJ
ajfa-17362	195	17	and	and	CCONJ
ajfa-17362	195	18	fixed	fix	VERB
ajfa-17362	195	19	effects	effect	NOUN
ajfa-17362	195	20	model	model	NOUN
ajfa-17362	195	21	with	with	ADP
ajfa-17362	195	22	and	and	CCONJ
ajfa-17362	195	23	without	without	ADP
ajfa-17362	195	24	the	the	DET
ajfa-17362	195	25	control	control	NOUN
ajfa-17362	195	26	variable	variable	NOUN
ajfa-17362	195	27	,	,	PUNCT
ajfa-17362	195	28	are	be	AUX
ajfa-17362	195	29	analyzed	analyze	VERB
ajfa-17362	195	30	and	and	CCONJ
ajfa-17362	195	31	discussed	discuss	VERB
ajfa-17362	195	32	.	.	PUNCT
ajfa-17362	196	1	model	model	NOUN
ajfa-17362	196	2	one	one	NUM
ajfa-17362	196	3	logroeit	logroeit	NOUN
ajfa-17362	197	1	=	=	NOUN
ajfa-17362	197	2	β0	β0	NOUN
ajfa-17362	197	3	+	+	PROPN
ajfa-17362	197	4	β1∆logroeit	β1∆logroeit	PUNCT
ajfa-17362	197	5	+	+	NUM
ajfa-17362	197	6	β2logcrit	β2logcrit	NOUN
ajfa-17362	197	7	+	+	CCONJ
ajfa-17362	197	8	β3loginsrit	β3loginsrit	NOUN
ajfa-17362	197	9	+	+	CCONJ
ajfa-17362	197	10	β4loglqrit	β4loglqrit	NOUN
ajfa-17362	197	11	+	+	CCONJ
ajfa-17362	197	12	ɛit	ɛit	NOUN
ajfa-17362	197	13	–	–	PUNCT
ajfa-17362	197	14	model	model	NOUN
ajfa-17362	197	15	1	1	NUM
ajfa-17362	197	16	roeit	roeit	NOUN
ajfa-17362	197	17	=	=	PUNCT
ajfa-17362	197	18	1.672	1.672	NUM
ajfa-17362	198	1	+	+	CCONJ
ajfa-17362	198	2	0402roeit	0402roeit	NUM
ajfa-17362	198	3	0.007crit	0.007crit	NUM
ajfa-17362	198	4	–	–	PUNCT
ajfa-17362	198	5	0.036insrit	0.036insrit	NUM
ajfa-17362	198	6	+0.152lqrit	+0.152lqrit	NOUN
ajfa-17362	199	1	+	+	ADP
ajfa-17362	199	2	eit	eit	PROPN
ajfa-17362	199	3	model	model	NOUN
ajfa-17362	199	4	1	1	NUM
ajfa-17362	199	5	using	use	VERB
ajfa-17362	199	6	dynamic	dynamic	ADJ
ajfa-17362	199	7	model	model	NOUN
ajfa-17362	199	8	:	:	PUNCT
ajfa-17362	199	9	in	in	ADP
ajfa-17362	199	10	column	column	NOUN
ajfa-17362	199	11	(	(	PUNCT
ajfa-17362	199	12	1	1	NUM
ajfa-17362	199	13	)	)	PUNCT
ajfa-17362	199	14	of	of	ADP
ajfa-17362	199	15	table	table	NOUN
ajfa-17362	199	16	4.4	4.4	NUM
ajfa-17362	199	17	,	,	PUNCT
ajfa-17362	199	18	the	the	DET
ajfa-17362	199	19	significant	significant	ADJ
ajfa-17362	199	20	value	value	NOUN
ajfa-17362	199	21	of	of	ADP
ajfa-17362	199	22	f	f	PROPN
ajfa-17362	199	23	-	-	PUNCT
ajfa-17362	199	24	statistics	statistic	NOUN
ajfa-17362	200	1	[	[	X
ajfa-17362	200	2	9.955	9.955	NUM
ajfa-17362	200	3	;	;	PUNCT
ajfa-17362	200	4	p	p	X
ajfa-17362	200	5	-	-	PUNCT
ajfa-17362	200	6	value	value	NOUN
ajfa-17362	200	7	=	=	NOUN
ajfa-17362	200	8	0.000	0.000	NUM
ajfa-17362	200	9	]	]	PUNCT
ajfa-17362	200	10	shows	show	VERB
ajfa-17362	200	11	that	that	SCONJ
ajfa-17362	200	12	the	the	DET
ajfa-17362	200	13	selected	select	VERB
ajfa-17362	200	14	random	random	ADJ
ajfa-17362	200	15	effect	effect	NOUN
ajfa-17362	200	16	model	model	NOUN
ajfa-17362	200	17	is	be	AUX
ajfa-17362	200	18	statistically	statistically	ADV
ajfa-17362	200	19	significant	significant	ADJ
ajfa-17362	200	20	.	.	PUNCT
ajfa-17362	201	1	that	that	PRON
ajfa-17362	201	2	is	is	ADV
ajfa-17362	201	3	,	,	PUNCT
ajfa-17362	201	4	the	the	DET
ajfa-17362	201	5	combined	combined	ADJ
ajfa-17362	201	6	effect	effect	NOUN
ajfa-17362	201	7	of	of	ADP
ajfa-17362	201	8	cr	cr	PROPN
ajfa-17362	201	9	,	,	PUNCT
ajfa-17362	201	10	insr	insr	NOUN
ajfa-17362	201	11	,	,	PUNCT
ajfa-17362	201	12	and	and	CCONJ
ajfa-17362	201	13	lqr	lqr	VERB
ajfa-17362	201	14	on	on	ADP
ajfa-17362	201	15	roe	roe	PROPN
ajfa-17362	201	16	is	be	AUX
ajfa-17362	201	17	statistically	statistically	ADV
ajfa-17362	201	18	significant	significant	ADJ
ajfa-17362	201	19	at	at	ADP
ajfa-17362	201	20	5	5	NUM
ajfa-17362	201	21	%	%	NOUN
ajfa-17362	201	22	level	level	NOUN
ajfa-17362	201	23	of	of	ADP
ajfa-17362	201	24	statistical	statistical	ADJ
ajfa-17362	201	25	significance	significance	NOUN
ajfa-17362	201	26	.	.	PUNCT
ajfa-17362	202	1	the	the	DET
ajfa-17362	202	2	adjusted	adjusted	ADJ
ajfa-17362	202	3	coefficient	coefficient	NOUN
ajfa-17362	202	4	of	of	ADP
ajfa-17362	202	5	the	the	DET
ajfa-17362	202	6	multiple	multiple	ADJ
ajfa-17362	202	7	determinations	determination	NOUN
ajfa-17362	202	8	(	(	PUNCT
ajfa-17362	202	9	adj.r2	adj.r2	NOUN
ajfa-17362	202	10	=	=	X
ajfa-17362	202	11	0.535	0.535	NUM
ajfa-17362	202	12	)	)	PUNCT
ajfa-17362	202	13	further	far	ADV
ajfa-17362	202	14	confirmed	confirm	VERB
ajfa-17362	202	15	the	the	DET
ajfa-17362	202	16	usefulness	usefulness	NOUN
ajfa-17362	202	17	of	of	ADP
ajfa-17362	202	18	the	the	DET
ajfa-17362	202	19	model	model	NOUN
ajfa-17362	202	20	.	.	PUNCT
ajfa-17362	203	1	the	the	DET
ajfa-17362	203	2	adjusted	adjusted	ADJ
ajfa-17362	203	3	r	r	NOUN
ajfa-17362	203	4	-	-	PUNCT
ajfa-17362	203	5	square	square	ADJ
ajfa-17362	203	6	value	value	NOUN
ajfa-17362	203	7	of	of	ADP
ajfa-17362	203	8	0.535	0.535	NUM
ajfa-17362	203	9	indicates	indicate	VERB
ajfa-17362	203	10	that	that	SCONJ
ajfa-17362	203	11	the	the	DET
ajfa-17362	203	12	explanatory	explanatory	ADJ
ajfa-17362	203	13	variables	variable	NOUN
ajfa-17362	203	14	jointly	jointly	ADV
ajfa-17362	203	15	account	account	VERB
ajfa-17362	203	16	for	for	ADP
ajfa-17362	203	17	about	about	ADV
ajfa-17362	203	18	54	54	NUM
ajfa-17362	203	19	%	%	NOUN
ajfa-17362	203	20	of	of	ADP
ajfa-17362	203	21	the	the	DET
ajfa-17362	203	22	variation	variation	NOUN
ajfa-17362	203	23	in	in	ADP
ajfa-17362	203	24	return	return	NOUN
ajfa-17362	203	25	on	on	ADP
ajfa-17362	203	26	equity	equity	NOUN
ajfa-17362	203	27	asian	asian	ADJ
ajfa-17362	203	28	journal	journal	PROPN
ajfa-17362	203	29	of	of	ADP
ajfa-17362	203	30	finance	finance	PROPN
ajfa-17362	203	31	&	&	CCONJ
ajfa-17362	203	32	accounting	accounting	PROPN
ajfa-17362	203	33	issn	issn	PROPN
ajfa-17362	203	34	1946	1946	NUM
ajfa-17362	203	35	-	-	PUNCT
ajfa-17362	203	36	052x	052x	NOUN
ajfa-17362	203	37	2020	2020	NUM
ajfa-17362	203	38	,	,	PUNCT
ajfa-17362	203	39	vol	vol	NOUN
ajfa-17362	203	40	.	.	PROPN
ajfa-17362	203	41	12	12	NUM
ajfa-17362	203	42	,	,	PUNCT
ajfa-17362	203	43	no	no	INTJ
ajfa-17362	203	44	.	.	NOUN
ajfa-17362	203	45	2	2	NUM
ajfa-17362	203	46	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	203	47	13	13	NUM
ajfa-17362	203	48	of	of	ADP
ajfa-17362	203	49	the	the	DET
ajfa-17362	203	50	selected	select	VERB
ajfa-17362	203	51	listed	list	VERB
ajfa-17362	203	52	banks	bank	NOUN
ajfa-17362	203	53	.	.	PUNCT
ajfa-17362	204	1	this	this	DET
ajfa-17362	204	2	evidence	evidence	NOUN
ajfa-17362	204	3	,	,	PUNCT
ajfa-17362	204	4	therefore	therefore	ADV
ajfa-17362	204	5	,	,	PUNCT
ajfa-17362	204	6	indicate	indicate	VERB
ajfa-17362	204	7	that	that	SCONJ
ajfa-17362	204	8	operational	operational	ADJ
ajfa-17362	204	9	risk	risk	NOUN
ajfa-17362	204	10	has	have	VERB
ajfa-17362	204	11	a	a	DET
ajfa-17362	204	12	significant	significant	ADJ
ajfa-17362	204	13	effect	effect	NOUN
ajfa-17362	204	14	on	on	ADP
ajfa-17362	204	15	equity	equity	NOUN
ajfa-17362	204	16	returns	return	NOUN
ajfa-17362	204	17	of	of	ADP
ajfa-17362	204	18	dmbs	dmb	NOUN
ajfa-17362	204	19	in	in	ADP
ajfa-17362	204	20	nigeria	nigeria	PROPN
ajfa-17362	204	21	.	.	PUNCT
ajfa-17362	205	1	focusing	focus	VERB
ajfa-17362	205	2	on	on	ADP
ajfa-17362	205	3	the	the	DET
ajfa-17362	205	4	coefficient	coefficient	NOUN
ajfa-17362	205	5	of	of	ADP
ajfa-17362	205	6	individual	individual	ADJ
ajfa-17362	205	7	parameters	parameter	NOUN
ajfa-17362	205	8	(	(	PUNCT
ajfa-17362	205	9	independent	independent	ADJ
ajfa-17362	205	10	variables	variable	NOUN
ajfa-17362	205	11	)	)	PUNCT
ajfa-17362	205	12	,	,	PUNCT
ajfa-17362	205	13	the	the	DET
ajfa-17362	205	14	dynamic	dynamic	ADJ
ajfa-17362	205	15	coefficient	coefficient	NOUN
ajfa-17362	205	16	of	of	ADP
ajfa-17362	205	17	the	the	DET
ajfa-17362	205	18	dependent	dependent	ADJ
ajfa-17362	205	19	variable	variable	NOUN
ajfa-17362	205	20	which	which	PRON
ajfa-17362	205	21	is	be	AUX
ajfa-17362	205	22	the	the	DET
ajfa-17362	205	23	change	change	NOUN
ajfa-17362	205	24	in	in	ADP
ajfa-17362	205	25	the	the	DET
ajfa-17362	205	26	logarithmic	logarithmic	ADJ
ajfa-17362	205	27	value	value	NOUN
ajfa-17362	205	28	of	of	ADP
ajfa-17362	205	29	return	return	NOUN
ajfa-17362	205	30	on	on	ADP
ajfa-17362	205	31	equity	equity	NOUN
ajfa-17362	205	32	∆(logroe	∆(logroe	PROPN
ajfa-17362	205	33	)	)	PUNCT
ajfa-17362	205	34	is	be	AUX
ajfa-17362	205	35	statistically	statistically	ADV
ajfa-17362	205	36	significant	significant	ADJ
ajfa-17362	205	37	at	at	ADP
ajfa-17362	205	38	5	5	NUM
ajfa-17362	205	39	%	%	NOUN
ajfa-17362	205	40	and	and	CCONJ
ajfa-17362	205	41	it	it	PRON
ajfa-17362	205	42	shows	show	VERB
ajfa-17362	205	43	if	if	SCONJ
ajfa-17362	205	44	change	change	NOUN
ajfa-17362	205	45	if	if	SCONJ
ajfa-17362	205	46	roe	roe	PROPN
ajfa-17362	205	47	of	of	ADP
ajfa-17362	205	48	the	the	DET
ajfa-17362	205	49	selected	select	VERB
ajfa-17362	205	50	banks	bank	NOUN
ajfa-17362	205	51	increase	increase	VERB
ajfa-17362	205	52	by	by	ADP
ajfa-17362	205	53	1	1	NUM
ajfa-17362	205	54	%	%	NOUN
ajfa-17362	205	55	,	,	PUNCT
ajfa-17362	205	56	it	it	PRON
ajfa-17362	205	57	will	will	AUX
ajfa-17362	205	58	cause	cause	VERB
ajfa-17362	205	59	the	the	DET
ajfa-17362	205	60	current	current	ADJ
ajfa-17362	205	61	value	value	NOUN
ajfa-17362	205	62	of	of	ADP
ajfa-17362	205	63	roe	roe	NOUN
ajfa-17362	205	64	to	to	PART
ajfa-17362	205	65	increase	increase	VERB
ajfa-17362	205	66	by	by	ADP
ajfa-17362	205	67	0.4	0.4	NUM
ajfa-17362	205	68	%	%	NOUN
ajfa-17362	205	69	.	.	PUNCT
ajfa-17362	206	1	also	also	ADV
ajfa-17362	206	2	,	,	PUNCT
ajfa-17362	206	3	if	if	SCONJ
ajfa-17362	206	4	all	all	DET
ajfa-17362	206	5	things	thing	NOUN
ajfa-17362	206	6	being	be	AUX
ajfa-17362	206	7	equal	equal	ADJ
ajfa-17362	206	8	,	,	PUNCT
ajfa-17362	206	9	the	the	DET
ajfa-17362	206	10	result	result	NOUN
ajfa-17362	206	11	indicated	indicate	VERB
ajfa-17362	206	12	that	that	SCONJ
ajfa-17362	206	13	a	a	DET
ajfa-17362	206	14	1	1	NUM
ajfa-17362	206	15	%	%	NOUN
ajfa-17362	206	16	increase	increase	NOUN
ajfa-17362	206	17	in	in	ADP
ajfa-17362	206	18	the	the	DET
ajfa-17362	206	19	coefficient	coefficient	NOUN
ajfa-17362	206	20	of	of	ADP
ajfa-17362	206	21	the	the	DET
ajfa-17362	206	22	log	log	NOUN
ajfa-17362	206	23	value	value	NOUN
ajfa-17362	206	24	of	of	ADP
ajfa-17362	206	25	credit	credit	NOUN
ajfa-17362	206	26	risk	risk	NOUN
ajfa-17362	206	27	(	(	PUNCT
ajfa-17362	206	28	cr	cr	NOUN
ajfa-17362	206	29	)	)	PUNCT
ajfa-17362	206	30	will	will	AUX
ajfa-17362	206	31	lead	lead	VERB
ajfa-17362	206	32	to	to	ADP
ajfa-17362	206	33	a	a	DET
ajfa-17362	206	34	0.01	0.01	NUM
ajfa-17362	206	35	%	%	NOUN
ajfa-17362	206	36	decrease	decrease	NOUN
ajfa-17362	206	37	in	in	ADP
ajfa-17362	206	38	roe	roe	NOUN
ajfa-17362	206	39	.	.	PUNCT
ajfa-17362	207	1	it	it	PRON
ajfa-17362	207	2	is	be	AUX
ajfa-17362	207	3	also	also	ADV
ajfa-17362	207	4	found	find	VERB
ajfa-17362	207	5	from	from	ADP
ajfa-17362	207	6	the	the	DET
ajfa-17362	207	7	result	result	NOUN
ajfa-17362	207	8	in	in	ADP
ajfa-17362	207	9	panel	panel	NOUN
ajfa-17362	207	10	1	1	NUM
ajfa-17362	207	11	of	of	ADP
ajfa-17362	207	12	table	table	NOUN
ajfa-17362	207	13	4.4	4.4	NUM
ajfa-17362	207	14	that	that	SCONJ
ajfa-17362	207	15	a	a	DET
ajfa-17362	207	16	1	1	NUM
ajfa-17362	207	17	%	%	NOUN
ajfa-17362	207	18	increase	increase	NOUN
ajfa-17362	207	19	in	in	ADP
ajfa-17362	207	20	liquidity	liquidity	NOUN
ajfa-17362	207	21	risk	risk	NOUN
ajfa-17362	207	22	of	of	ADP
ajfa-17362	207	23	the	the	DET
ajfa-17362	207	24	banks	bank	NOUN
ajfa-17362	207	25	will	will	AUX
ajfa-17362	207	26	lead	lead	VERB
ajfa-17362	207	27	to	to	ADP
ajfa-17362	207	28	about	about	ADP
ajfa-17362	207	29	a	a	DET
ajfa-17362	207	30	0.2	0.2	NUM
ajfa-17362	207	31	%	%	NOUN
ajfa-17362	207	32	decrease	decrease	NOUN
ajfa-17362	207	33	in	in	ADP
ajfa-17362	207	34	equity	equity	NOUN
ajfa-17362	207	35	returns	return	NOUN
ajfa-17362	207	36	of	of	ADP
ajfa-17362	207	37	the	the	DET
ajfa-17362	207	38	banks	bank	NOUN
ajfa-17362	207	39	.	.	PUNCT
ajfa-17362	208	1	the	the	DET
ajfa-17362	208	2	result	result	NOUN
ajfa-17362	208	3	for	for	ADP
ajfa-17362	208	4	the	the	DET
ajfa-17362	208	5	coefficient	coefficient	NOUN
ajfa-17362	208	6	of	of	ADP
ajfa-17362	208	7	insolvency	insolvency	NOUN
ajfa-17362	208	8	risk	risk	NOUN
ajfa-17362	208	9	is	be	AUX
ajfa-17362	208	10	not	not	PART
ajfa-17362	208	11	significant	significant	ADJ
ajfa-17362	208	12	although	although	SCONJ
ajfa-17362	208	13	it	it	PRON
ajfa-17362	208	14	shows	show	VERB
ajfa-17362	208	15	that	that	SCONJ
ajfa-17362	208	16	an	an	DET
ajfa-17362	208	17	increase	increase	NOUN
ajfa-17362	208	18	of	of	ADP
ajfa-17362	208	19	1	1	NUM
ajfa-17362	208	20	%	%	NOUN
ajfa-17362	208	21	in	in	ADP
ajfa-17362	208	22	insolvency	insolvency	NOUN
ajfa-17362	208	23	risk	risk	NOUN
ajfa-17362	208	24	will	will	AUX
ajfa-17362	208	25	potentially	potentially	ADV
ajfa-17362	208	26	decrease	decrease	VERB
ajfa-17362	208	27	equity	equity	NOUN
ajfa-17362	208	28	returns	return	NOUN
ajfa-17362	208	29	of	of	ADP
ajfa-17362	208	30	the	the	DET
ajfa-17362	208	31	banks	bank	NOUN
ajfa-17362	208	32	by	by	ADP
ajfa-17362	208	33	0.04	0.04	NUM
ajfa-17362	208	34	%	%	NOUN
ajfa-17362	208	35	.	.	PUNCT
ajfa-17362	209	1	overall	overall	ADJ
ajfa-17362	209	2	,	,	PUNCT
ajfa-17362	209	3	two	two	NUM
ajfa-17362	209	4	of	of	ADP
ajfa-17362	209	5	these	these	DET
ajfa-17362	209	6	proxies	proxy	NOUN
ajfa-17362	209	7	of	of	ADP
ajfa-17362	209	8	operational	operational	ADJ
ajfa-17362	209	9	risk	risk	NOUN
ajfa-17362	209	10	validate	validate	VERB
ajfa-17362	209	11	the	the	DET
ajfa-17362	209	12	point	point	NOUN
ajfa-17362	209	13	that	that	SCONJ
ajfa-17362	209	14	operational	operational	ADJ
ajfa-17362	209	15	risk	risk	NOUN
ajfa-17362	209	16	has	have	AUX
ajfa-17362	209	17	significant	significant	ADJ
ajfa-17362	209	18	negative	negative	ADJ
ajfa-17362	209	19	impacts	impact	NOUN
ajfa-17362	209	20	on	on	ADP
ajfa-17362	209	21	equity	equity	NOUN
ajfa-17362	209	22	returns	return	NOUN
ajfa-17362	209	23	of	of	ADP
ajfa-17362	209	24	dmbs	dmb	NOUN
ajfa-17362	209	25	in	in	ADP
ajfa-17362	209	26	nigeria	nigeria	PROPN
ajfa-17362	209	27	.	.	PUNCT
ajfa-17362	210	1	model	model	PROPN
ajfa-17362	210	2	two	two	NUM
ajfa-17362	210	3	logroeit	logroeit	NOUN
ajfa-17362	210	4	=	=	PRON
ajfa-17362	210	5	β0	β0	NOUN
ajfa-17362	210	6	+	+	PROPN
ajfa-17362	210	7	β1∆logroeit	β1∆logroeit	PUNCT
ajfa-17362	210	8	+	+	NUM
ajfa-17362	210	9	β2logcrit	β2logcrit	NOUN
ajfa-17362	210	10	+	+	CCONJ
ajfa-17362	210	11	β3loginsrit	β3loginsrit	NOUN
ajfa-17362	210	12	+	+	CCONJ
ajfa-17362	210	13	β4loglqrit	β4loglqrit	VERB
ajfa-17362	210	14	+	+	CCONJ
ajfa-17362	210	15	β5fsizeit	β5fsizeit	ADJ
ajfa-17362	210	16	+	+	NOUN
ajfa-17362	210	17	β5∆fsizeit	β5∆fsizeit	PUNCT
ajfa-17362	211	1	+	+	NUM
ajfa-17362	211	2	ɛit	ɛit	NOUN
ajfa-17362	211	3	…	…	PUNCT
ajfa-17362	211	4	…	…	PUNCT
ajfa-17362	211	5	…	…	PUNCT
ajfa-17362	211	6	…	…	PUNCT
ajfa-17362	211	7	…	…	PUNCT
ajfa-17362	211	8	…	…	PUNCT
ajfa-17362	211	9	…	…	PUNCT
ajfa-17362	211	10	…	…	PUNCT
ajfa-17362	211	11	…	…	PUNCT
ajfa-17362	211	12	…	…	PUNCT
ajfa-17362	211	13	…	…	PUNCT
ajfa-17362	211	14	…	…	PUNCT
ajfa-17362	211	15	…	…	PUNCT
ajfa-17362	211	16	…	…	PUNCT
ajfa-17362	211	17	…	…	PUNCT
ajfa-17362	211	18	…	…	PUNCT
ajfa-17362	211	19	…	…	PUNCT
ajfa-17362	211	20	…	…	PUNCT
ajfa-17362	211	21	…	…	PUNCT
ajfa-17362	211	22	…	…	PUNCT
ajfa-17362	211	23	…	…	PUNCT
ajfa-17362	211	24	…	…	PUNCT
ajfa-17362	211	25	…	…	PUNCT
ajfa-17362	211	26	…	…	SYM
ajfa-17362	211	27	model	model	NOUN
ajfa-17362	211	28	4	4	NUM
ajfa-17362	211	29	roeit	roeit	NOUN
ajfa-17362	211	30	=	=	SYM
ajfa-17362	211	31	1.897	1.897	NUM
ajfa-17362	211	32	+	+	CCONJ
ajfa-17362	211	33	0.383logroeit	0.383logroeit	NUM
ajfa-17362	211	34	–	–	PUNCT
ajfa-17362	211	35	0.008logcrit	0.008logcrit	NUM
ajfa-17362	211	36	+0.129loginsrit	+0.129loginsrit	NOUN
ajfa-17362	211	37	+	+	CCONJ
ajfa-17362	211	38	0.175loglqrit	0.175loglqrit	X
ajfa-17362	211	39	+0.010fsizeit	+0.010fsizeit	ADJ
ajfa-17362	211	40	–	–	PUNCT
ajfa-17362	211	41	0.063∆fsizeit	0.063∆fsizeit	NOUN
ajfa-17362	211	42	…	…	SYM
ajfa-17362	211	43	…	…	PUNCT
ajfa-17362	211	44	…	…	PUNCT
ajfa-17362	211	45	…	…	PUNCT
ajfa-17362	211	46	…	…	PUNCT
ajfa-17362	211	47	…	…	PUNCT
ajfa-17362	211	48	…	…	PUNCT
ajfa-17362	211	49	…	…	PUNCT
ajfa-17362	211	50	…	…	PUNCT
ajfa-17362	211	51	…	…	PUNCT
ajfa-17362	211	52	…	…	PUNCT
ajfa-17362	211	53	…	…	SYM
ajfa-17362	211	54	model	model	NOUN
ajfa-17362	211	55	4	4	NUM
ajfa-17362	211	56	in	in	ADP
ajfa-17362	211	57	column	column	NOUN
ajfa-17362	211	58	(	(	PUNCT
ajfa-17362	211	59	1	1	NUM
ajfa-17362	211	60	)	)	PUNCT
ajfa-17362	211	61	of	of	ADP
ajfa-17362	211	62	table	table	NOUN
ajfa-17362	211	63	4.4	4.4	NUM
ajfa-17362	211	64	,	,	PUNCT
ajfa-17362	211	65	the	the	DET
ajfa-17362	211	66	significant	significant	ADJ
ajfa-17362	211	67	value	value	NOUN
ajfa-17362	211	68	of	of	ADP
ajfa-17362	211	69	f	f	PROPN
ajfa-17362	211	70	-	-	PUNCT
ajfa-17362	211	71	statistics	statistic	NOUN
ajfa-17362	212	1	[	[	X
ajfa-17362	212	2	6.645	6.645	NUM
ajfa-17362	212	3	;	;	PUNCT
ajfa-17362	212	4	p	p	X
ajfa-17362	212	5	-	-	PUNCT
ajfa-17362	212	6	value	value	NOUN
ajfa-17362	212	7	=	=	NOUN
ajfa-17362	212	8	0.000	0.000	NUM
ajfa-17362	212	9	]	]	PUNCT
ajfa-17362	212	10	indicates	indicate	VERB
ajfa-17362	212	11	that	that	SCONJ
ajfa-17362	212	12	the	the	DET
ajfa-17362	212	13	selected	select	VERB
ajfa-17362	212	14	results	result	NOUN
ajfa-17362	212	15	in	in	ADP
ajfa-17362	212	16	the	the	DET
ajfa-17362	212	17	fixed	fix	VERB
ajfa-17362	212	18	effect	effect	NOUN
ajfa-17362	212	19	model	model	NOUN
ajfa-17362	212	20	are	be	AUX
ajfa-17362	212	21	statistically	statistically	ADV
ajfa-17362	212	22	significant	significant	ADJ
ajfa-17362	212	23	and	and	CCONJ
ajfa-17362	212	24	that	that	SCONJ
ajfa-17362	212	25	the	the	DET
ajfa-17362	212	26	joint	joint	ADJ
ajfa-17362	212	27	effects	effect	NOUN
ajfa-17362	212	28	of	of	ADP
ajfa-17362	212	29	the	the	DET
ajfa-17362	212	30	regressors	regressor	NOUN
ajfa-17362	212	31	(	(	PUNCT
ajfa-17362	212	32	independent	independent	ADJ
ajfa-17362	212	33	variables	variable	NOUN
ajfa-17362	212	34	)	)	PUNCT
ajfa-17362	212	35	which	which	PRON
ajfa-17362	212	36	are	be	AUX
ajfa-17362	212	37	cr	cr	PROPN
ajfa-17362	212	38	,	,	PUNCT
ajfa-17362	212	39	insr	insr	NOUN
ajfa-17362	212	40	and	and	CCONJ
ajfa-17362	212	41	opir	opir	ADJ
ajfa-17362	212	42	on	on	ADP
ajfa-17362	212	43	roe	roe	PROPN
ajfa-17362	212	44	is	be	AUX
ajfa-17362	212	45	statistically	statistically	ADV
ajfa-17362	212	46	significant	significant	ADJ
ajfa-17362	212	47	at	at	ADP
ajfa-17362	212	48	5	5	NUM
ajfa-17362	212	49	%	%	NOUN
ajfa-17362	212	50	.	.	PUNCT
ajfa-17362	213	1	it	it	PRON
ajfa-17362	213	2	is	be	AUX
ajfa-17362	213	3	further	far	ADV
ajfa-17362	213	4	supported	support	VERB
ajfa-17362	213	5	by	by	ADP
ajfa-17362	213	6	the	the	DET
ajfa-17362	213	7	adjusted	adjust	VERB
ajfa-17362	213	8	value	value	NOUN
ajfa-17362	213	9	of	of	ADP
ajfa-17362	213	10	the	the	DET
ajfa-17362	213	11	coefficient	coefficient	NOUN
ajfa-17362	213	12	of	of	ADP
ajfa-17362	213	13	the	the	DET
ajfa-17362	213	14	determination	determination	NOUN
ajfa-17362	213	15	of	of	ADP
ajfa-17362	213	16	the	the	DET
ajfa-17362	213	17	model	model	NOUN
ajfa-17362	213	18	(	(	PUNCT
ajfa-17362	213	19	adj.r2	adj.r2	NOUN
ajfa-17362	213	20	=	=	X
ajfa-17362	213	21	0.435	0.435	NUM
ajfa-17362	213	22	)	)	PUNCT
ajfa-17362	213	23	.	.	PUNCT
ajfa-17362	214	1	this	this	PRON
ajfa-17362	214	2	indicates	indicate	VERB
ajfa-17362	214	3	that	that	SCONJ
ajfa-17362	214	4	the	the	DET
ajfa-17362	214	5	proxies	proxy	NOUN
ajfa-17362	214	6	of	of	ADP
ajfa-17362	214	7	operational	operational	ADJ
ajfa-17362	214	8	risk	risk	NOUN
ajfa-17362	214	9	jointly	jointly	ADV
ajfa-17362	214	10	accounted	account	VERB
ajfa-17362	214	11	for	for	ADP
ajfa-17362	214	12	about	about	ADV
ajfa-17362	214	13	44	44	NUM
ajfa-17362	214	14	%	%	NOUN
ajfa-17362	214	15	of	of	ADP
ajfa-17362	214	16	variation	variation	NOUN
ajfa-17362	214	17	in	in	ADP
ajfa-17362	214	18	the	the	DET
ajfa-17362	214	19	dependent	dependent	ADJ
ajfa-17362	214	20	variable	variable	NOUN
ajfa-17362	214	21	-	-	PUNCT
ajfa-17362	214	22	return	return	NOUN
ajfa-17362	214	23	on	on	ADP
ajfa-17362	214	24	equity	equity	NOUN
ajfa-17362	214	25	(	(	PUNCT
ajfa-17362	214	26	roe	roe	PROPN
ajfa-17362	214	27	)	)	PUNCT
ajfa-17362	214	28	of	of	ADP
ajfa-17362	214	29	the	the	DET
ajfa-17362	214	30	selected	select	VERB
ajfa-17362	214	31	listed	list	VERB
ajfa-17362	214	32	banks	bank	NOUN
ajfa-17362	214	33	.	.	PUNCT
ajfa-17362	215	1	by	by	ADP
ajfa-17362	215	2	implication	implication	NOUN
ajfa-17362	215	3	,	,	PUNCT
ajfa-17362	215	4	operational	operational	ADJ
ajfa-17362	215	5	risk	risk	NOUN
ajfa-17362	215	6	has	have	VERB
ajfa-17362	215	7	a	a	DET
ajfa-17362	215	8	significant	significant	ADJ
ajfa-17362	215	9	effect	effect	NOUN
ajfa-17362	215	10	on	on	ADP
ajfa-17362	215	11	equity	equity	NOUN
ajfa-17362	215	12	returns	return	NOUN
ajfa-17362	215	13	of	of	ADP
ajfa-17362	215	14	dmbs	dmb	NOUN
ajfa-17362	215	15	in	in	ADP
ajfa-17362	215	16	nigeria	nigeria	PROPN
ajfa-17362	215	17	.	.	PUNCT
ajfa-17362	216	1	in	in	ADP
ajfa-17362	216	2	terms	term	NOUN
ajfa-17362	216	3	of	of	ADP
ajfa-17362	216	4	individual	individual	ADJ
ajfa-17362	216	5	significance	significance	NOUN
ajfa-17362	216	6	of	of	ADP
ajfa-17362	216	7	the	the	DET
ajfa-17362	216	8	explanatory	explanatory	ADJ
ajfa-17362	216	9	variables	variable	NOUN
ajfa-17362	216	10	,	,	PUNCT
ajfa-17362	216	11	the	the	DET
ajfa-17362	216	12	result	result	NOUN
ajfa-17362	216	13	indicates	indicate	VERB
ajfa-17362	216	14	that	that	SCONJ
ajfa-17362	216	15	the	the	DET
ajfa-17362	216	16	dynamic	dynamic	ADJ
ajfa-17362	216	17	coefficient	coefficient	NOUN
ajfa-17362	216	18	of	of	ADP
ajfa-17362	216	19	the	the	DET
ajfa-17362	216	20	dependent	dependent	ADJ
ajfa-17362	216	21	variable	variable	NOUN
ajfa-17362	216	22	,	,	PUNCT
ajfa-17362	216	23	which	which	PRON
ajfa-17362	216	24	is	be	AUX
ajfa-17362	216	25	the	the	DET
ajfa-17362	216	26	change	change	NOUN
ajfa-17362	216	27	in	in	ADP
ajfa-17362	216	28	the	the	DET
ajfa-17362	216	29	logarithmic	logarithmic	ADJ
ajfa-17362	216	30	value	value	NOUN
ajfa-17362	216	31	of	of	ADP
ajfa-17362	216	32	roe	roe	NOUN
ajfa-17362	216	33	,	,	PUNCT
ajfa-17362	216	34	is	be	AUX
ajfa-17362	216	35	statistically	statistically	ADV
ajfa-17362	216	36	significant	significant	ADJ
ajfa-17362	216	37	at	at	ADP
ajfa-17362	216	38	5	5	NUM
ajfa-17362	216	39	%	%	NOUN
ajfa-17362	216	40	with	with	ADP
ajfa-17362	216	41	the	the	DET
ajfa-17362	216	42	implication	implication	NOUN
ajfa-17362	216	43	that	that	SCONJ
ajfa-17362	216	44	a	a	DET
ajfa-17362	216	45	1	1	NUM
ajfa-17362	216	46	%	%	NOUN
ajfa-17362	216	47	increase	increase	NOUN
ajfa-17362	216	48	in	in	ADP
ajfa-17362	216	49	equity	equity	NOUN
ajfa-17362	216	50	returns	return	NOUN
ajfa-17362	216	51	of	of	ADP
ajfa-17362	216	52	the	the	DET
ajfa-17362	216	53	banks	bank	NOUN
ajfa-17362	216	54	will	will	AUX
ajfa-17362	216	55	trigger	trigger	VERB
ajfa-17362	216	56	current	current	ADJ
ajfa-17362	216	57	value	value	NOUN
ajfa-17362	216	58	of	of	ADP
ajfa-17362	216	59	profit	profit	NOUN
ajfa-17362	216	60	margin	margin	NOUN
ajfa-17362	216	61	to	to	PART
ajfa-17362	216	62	increase	increase	VERB
ajfa-17362	216	63	by	by	ADP
ajfa-17362	216	64	0.4	0.4	NUM
ajfa-17362	216	65	%	%	NOUN
ajfa-17362	216	66	.	.	PUNCT
ajfa-17362	217	1	in	in	ADP
ajfa-17362	217	2	other	other	ADJ
ajfa-17362	217	3	words	word	NOUN
ajfa-17362	217	4	,	,	PUNCT
ajfa-17362	217	5	a	a	DET
ajfa-17362	217	6	positive	positive	ADJ
ajfa-17362	217	7	change	change	NOUN
ajfa-17362	217	8	in	in	ADP
ajfa-17362	217	9	profit	profit	NOUN
ajfa-17362	217	10	margin	margin	NOUN
ajfa-17362	217	11	of	of	ADP
ajfa-17362	217	12	dmbs	dmb	NOUN
ajfa-17362	217	13	in	in	ADP
ajfa-17362	217	14	nigeria	nigeria	PROPN
ajfa-17362	217	15	increases	increase	VERB
ajfa-17362	217	16	the	the	DET
ajfa-17362	217	17	equity	equity	NOUN
ajfa-17362	217	18	returns	return	NOUN
ajfa-17362	217	19	of	of	ADP
ajfa-17362	217	20	the	the	DET
ajfa-17362	217	21	banks	bank	NOUN
ajfa-17362	217	22	.	.	PUNCT
ajfa-17362	218	1	on	on	ADP
ajfa-17362	218	2	the	the	DET
ajfa-17362	218	3	part	part	NOUN
ajfa-17362	218	4	of	of	ADP
ajfa-17362	218	5	credit	credit	NOUN
ajfa-17362	218	6	risk	risk	NOUN
ajfa-17362	218	7	(	(	PUNCT
ajfa-17362	218	8	cr	cr	NOUN
ajfa-17362	218	9	)	)	PUNCT
ajfa-17362	218	10	,	,	PUNCT
ajfa-17362	218	11	the	the	DET
ajfa-17362	218	12	result	result	NOUN
ajfa-17362	218	13	demonstrates	demonstrate	VERB
ajfa-17362	218	14	that	that	SCONJ
ajfa-17362	218	15	a	a	DET
ajfa-17362	218	16	1	1	NUM
ajfa-17362	218	17	%	%	NOUN
ajfa-17362	218	18	increase	increase	NOUN
ajfa-17362	218	19	in	in	ADP
ajfa-17362	218	20	cr	cr	NOUN
ajfa-17362	218	21	of	of	ADP
ajfa-17362	218	22	the	the	DET
ajfa-17362	218	23	banks	bank	NOUN
ajfa-17362	218	24	will	will	AUX
ajfa-17362	218	25	lead	lead	VERB
ajfa-17362	218	26	to	to	ADP
ajfa-17362	218	27	about	about	ADV
ajfa-17362	218	28	0.01	0.01	NUM
ajfa-17362	218	29	%	%	NOUN
ajfa-17362	218	30	decline	decline	NOUN
ajfa-17362	218	31	in	in	ADP
ajfa-17362	218	32	net	net	ADJ
ajfa-17362	218	33	profit	profit	NOUN
ajfa-17362	218	34	margin	margin	NOUN
ajfa-17362	218	35	of	of	ADP
ajfa-17362	218	36	the	the	DET
ajfa-17362	218	37	selected	select	VERB
ajfa-17362	218	38	listed	list	VERB
ajfa-17362	218	39	deposit	deposit	NOUN
ajfa-17362	218	40	money	money	NOUN
ajfa-17362	218	41	banks	bank	NOUN
ajfa-17362	218	42	in	in	ADP
ajfa-17362	218	43	nigeria	nigeria	PROPN
ajfa-17362	218	44	.	.	PUNCT
ajfa-17362	219	1	the	the	DET
ajfa-17362	219	2	control	control	NOUN
ajfa-17362	219	3	variable	variable	NOUN
ajfa-17362	219	4	,	,	PUNCT
ajfa-17362	219	5	which	which	PRON
ajfa-17362	219	6	is	be	AUX
ajfa-17362	219	7	firm	firm	ADJ
ajfa-17362	219	8	size	size	NOUN
ajfa-17362	219	9	(	(	PUNCT
ajfa-17362	219	10	fsize	fsize	NOUN
ajfa-17362	219	11	)	)	PUNCT
ajfa-17362	219	12	,	,	PUNCT
ajfa-17362	219	13	established	establish	VERB
ajfa-17362	219	14	an	an	DET
ajfa-17362	219	15	insignificant	insignificant	ADJ
ajfa-17362	219	16	impact	impact	NOUN
ajfa-17362	219	17	on	on	ADP
ajfa-17362	219	18	equity	equity	NOUN
ajfa-17362	219	19	returns	return	NOUN
ajfa-17362	219	20	of	of	ADP
ajfa-17362	219	21	the	the	DET
ajfa-17362	219	22	selected	select	VERB
ajfa-17362	219	23	banks	bank	NOUN
ajfa-17362	219	24	.	.	PUNCT
ajfa-17362	220	1	in	in	ADP
ajfa-17362	220	2	fact	fact	NOUN
ajfa-17362	220	3	,	,	PUNCT
ajfa-17362	220	4	the	the	DET
ajfa-17362	220	5	value	value	NOUN
ajfa-17362	220	6	of	of	ADP
ajfa-17362	220	7	firm	firm	ADJ
ajfa-17362	220	8	size	size	NOUN
ajfa-17362	220	9	and	and	CCONJ
ajfa-17362	220	10	the	the	DET
ajfa-17362	220	11	coefficient	coefficient	NOUN
ajfa-17362	220	12	of	of	ADP
ajfa-17362	220	13	its	its	PRON
ajfa-17362	220	14	change	change	NOUN
ajfa-17362	220	15	(	(	PUNCT
ajfa-17362	220	16	dynamics	dynamic	NOUN
ajfa-17362	220	17	)	)	PUNCT
ajfa-17362	220	18	,	,	PUNCT
ajfa-17362	220	19	indicated	indicate	VERB
ajfa-17362	220	20	insignificant	insignificant	ADJ
ajfa-17362	220	21	effects	effect	NOUN
ajfa-17362	220	22	on	on	ADP
ajfa-17362	220	23	the	the	DET
ajfa-17362	220	24	roe	roe	NOUN
ajfa-17362	220	25	of	of	ADP
ajfa-17362	220	26	the	the	DET
ajfa-17362	220	27	firms	firm	NOUN
ajfa-17362	220	28	.	.	PUNCT
ajfa-17362	221	1	since	since	SCONJ
ajfa-17362	221	2	the	the	DET
ajfa-17362	221	3	joint	joint	ADJ
ajfa-17362	221	4	impact	impact	NOUN
ajfa-17362	221	5	measures	measure	NOUN
ajfa-17362	221	6	of	of	ADP
ajfa-17362	221	7	the	the	DET
ajfa-17362	221	8	model	model	NOUN
ajfa-17362	221	9	with	with	ADP
ajfa-17362	221	10	the	the	DET
ajfa-17362	221	11	firm	firm	ADJ
ajfa-17362	221	12	size	size	NOUN
ajfa-17362	221	13	are	be	AUX
ajfa-17362	221	14	significant	significant	ADJ
ajfa-17362	221	15	,	,	PUNCT
ajfa-17362	221	16	it	it	PRON
ajfa-17362	221	17	implies	imply	VERB
ajfa-17362	221	18	that	that	SCONJ
ajfa-17362	221	19	firm	firm	ADJ
ajfa-17362	221	20	size	size	NOUN
ajfa-17362	221	21	can	can	AUX
ajfa-17362	221	22	potentially	potentially	ADV
ajfa-17362	221	23	increase	increase	VERB
ajfa-17362	221	24	the	the	DET
ajfa-17362	221	25	level	level	NOUN
ajfa-17362	221	26	of	of	ADP
ajfa-17362	221	27	equity	equity	NOUN
ajfa-17362	221	28	returns	return	NOUN
ajfa-17362	221	29	of	of	ADP
ajfa-17362	221	30	the	the	DET
ajfa-17362	221	31	banks	bank	NOUN
ajfa-17362	221	32	.	.	PUNCT
ajfa-17362	222	1	this	this	PRON
ajfa-17362	222	2	is	be	AUX
ajfa-17362	222	3	confirmed	confirm	VERB
ajfa-17362	222	4	from	from	ADP
ajfa-17362	222	5	the	the	DET
ajfa-17362	222	6	positive	positive	ADJ
ajfa-17362	222	7	coefficient	coefficient	NOUN
ajfa-17362	222	8	asian	asian	ADJ
ajfa-17362	222	9	journal	journal	NOUN
ajfa-17362	222	10	of	of	ADP
ajfa-17362	222	11	finance	finance	PROPN
ajfa-17362	222	12	&	&	CCONJ
ajfa-17362	222	13	accounting	accounting	PROPN
ajfa-17362	222	14	issn	issn	PROPN
ajfa-17362	222	15	1946	1946	NUM
ajfa-17362	222	16	-	-	PUNCT
ajfa-17362	222	17	052x	052x	NOUN
ajfa-17362	222	18	2020	2020	NUM
ajfa-17362	222	19	,	,	PUNCT
ajfa-17362	222	20	vol	vol	NOUN
ajfa-17362	222	21	.	.	PROPN
ajfa-17362	222	22	12	12	NUM
ajfa-17362	222	23	,	,	PUNCT
ajfa-17362	222	24	no	no	INTJ
ajfa-17362	222	25	.	.	NOUN
ajfa-17362	222	26	2	2	NUM
ajfa-17362	222	27	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	222	28	14	14	NUM
ajfa-17362	222	29	of	of	ADP
ajfa-17362	222	30	the	the	DET
ajfa-17362	222	31	variables	variable	NOUN
ajfa-17362	222	32	.	.	PUNCT
ajfa-17362	223	1	for	for	ADP
ajfa-17362	223	2	instance	instance	NOUN
ajfa-17362	223	3	,	,	PUNCT
ajfa-17362	223	4	a	a	DET
ajfa-17362	223	5	1	1	NUM
ajfa-17362	223	6	%	%	NOUN
ajfa-17362	223	7	increase	increase	NOUN
ajfa-17362	223	8	in	in	ADP
ajfa-17362	223	9	fsize	fsize	NOUN
ajfa-17362	223	10	will	will	AUX
ajfa-17362	223	11	potentially	potentially	ADV
ajfa-17362	223	12	increase	increase	VERB
ajfa-17362	223	13	the	the	DET
ajfa-17362	223	14	roe	roe	NOUN
ajfa-17362	223	15	of	of	ADP
ajfa-17362	223	16	the	the	DET
ajfa-17362	223	17	banks	bank	NOUN
ajfa-17362	223	18	by	by	ADP
ajfa-17362	223	19	about	about	ADV
ajfa-17362	223	20	0.01	0.01	NUM
ajfa-17362	223	21	%	%	NOUN
ajfa-17362	223	22	.	.	PUNCT
ajfa-17362	224	1	also	also	ADV
ajfa-17362	224	2	,	,	PUNCT
ajfa-17362	224	3	a	a	DET
ajfa-17362	224	4	1	1	NUM
ajfa-17362	224	5	%	%	NOUN
ajfa-17362	224	6	change	change	NOUN
ajfa-17362	224	7	in	in	ADP
ajfa-17362	224	8	firm	firm	ADJ
ajfa-17362	224	9	size	size	NOUN
ajfa-17362	224	10	will	will	AUX
ajfa-17362	224	11	potentially	potentially	ADV
ajfa-17362	224	12	lead	lead	VERB
ajfa-17362	224	13	to	to	ADP
ajfa-17362	224	14	a	a	DET
ajfa-17362	224	15	decrease	decrease	NOUN
ajfa-17362	224	16	of	of	ADP
ajfa-17362	224	17	about	about	ADV
ajfa-17362	224	18	0.06	0.06	NUM
ajfa-17362	224	19	%	%	NOUN
ajfa-17362	224	20	in	in	ADP
ajfa-17362	224	21	roe	roe	NOUN
ajfa-17362	224	22	of	of	ADP
ajfa-17362	224	23	the	the	DET
ajfa-17362	224	24	banks	bank	NOUN
ajfa-17362	224	25	.	.	PUNCT
ajfa-17362	225	1	discussion	discussion	NOUN
ajfa-17362	225	2	of	of	ADP
ajfa-17362	225	3	findings	finding	NOUN
ajfa-17362	225	4	(	(	PUNCT
ajfa-17362	225	5	models	model	NOUN
ajfa-17362	225	6	1	1	NUM
ajfa-17362	225	7	&	&	CCONJ
ajfa-17362	225	8	2	2	NUM
ajfa-17362	225	9	)	)	PUNCT
ajfa-17362	225	10	the	the	DET
ajfa-17362	225	11	findings	finding	NOUN
ajfa-17362	225	12	from	from	ADP
ajfa-17362	225	13	the	the	DET
ajfa-17362	225	14	regression	regression	NOUN
ajfa-17362	225	15	result	result	NOUN
ajfa-17362	225	16	in	in	ADP
ajfa-17362	225	17	table	table	NOUN
ajfa-17362	225	18	4.4	4.4	NUM
ajfa-17362	225	19	reveal	reveal	VERB
ajfa-17362	225	20	that	that	SCONJ
ajfa-17362	225	21	negative	negative	ADJ
ajfa-17362	225	22	relationships	relationship	NOUN
ajfa-17362	225	23	exist	exist	VERB
ajfa-17362	225	24	between	between	ADP
ajfa-17362	225	25	credit	credit	NOUN
ajfa-17362	225	26	risks	risk	NOUN
ajfa-17362	225	27	(	(	PUNCT
ajfa-17362	225	28	cr	cr	NOUN
ajfa-17362	225	29	)	)	PUNCT
ajfa-17362	225	30	,	,	PUNCT
ajfa-17362	225	31	insolvency	insolvency	NOUN
ajfa-17362	225	32	risk	risk	NOUN
ajfa-17362	225	33	(	(	PUNCT
ajfa-17362	225	34	insr	insr	NOUN
ajfa-17362	225	35	)	)	PUNCT
ajfa-17362	225	36	,	,	PUNCT
ajfa-17362	225	37	liquidity	liquidity	NOUN
ajfa-17362	225	38	risk	risk	NOUN
ajfa-17362	225	39	(	(	PUNCT
ajfa-17362	225	40	lqr	lqr	PROPN
ajfa-17362	225	41	)	)	PUNCT
ajfa-17362	225	42	,	,	PUNCT
ajfa-17362	225	43	and	and	CCONJ
ajfa-17362	225	44	return	return	VERB
ajfa-17362	225	45	on	on	ADP
ajfa-17362	225	46	equity	equity	NOUN
ajfa-17362	225	47	(	(	PUNCT
ajfa-17362	225	48	roe	roe	PROPN
ajfa-17362	225	49	)	)	PUNCT
ajfa-17362	225	50	in	in	ADP
ajfa-17362	225	51	panel	panel	NOUN
ajfa-17362	225	52	1	1	NUM
ajfa-17362	225	53	.	.	PUNCT
ajfa-17362	226	1	in	in	ADP
ajfa-17362	226	2	the	the	DET
ajfa-17362	226	3	same	same	ADJ
ajfa-17362	226	4	fashion	fashion	NOUN
ajfa-17362	226	5	,	,	PUNCT
ajfa-17362	226	6	cr	cr	NOUN
ajfa-17362	226	7	,	,	PUNCT
ajfa-17362	226	8	insr	insr	NOUN
ajfa-17362	226	9	,	,	PUNCT
ajfa-17362	226	10	and	and	CCONJ
ajfa-17362	226	11	lqr	lqr	NOUN
ajfa-17362	226	12	portrayed	portray	VERB
ajfa-17362	226	13	negative	negative	ADJ
ajfa-17362	226	14	impacts	impact	NOUN
ajfa-17362	226	15	on	on	ADP
ajfa-17362	226	16	net	net	ADJ
ajfa-17362	226	17	profit	profit	NOUN
ajfa-17362	226	18	margin	margin	NOUN
ajfa-17362	226	19	of	of	ADP
ajfa-17362	226	20	the	the	DET
ajfa-17362	226	21	banks	bank	NOUN
ajfa-17362	226	22	in	in	ADP
ajfa-17362	226	23	the	the	DET
ajfa-17362	226	24	fixed	fix	VERB
ajfa-17362	226	25	-	-	PUNCT
ajfa-17362	226	26	effect	effect	NOUN
ajfa-17362	226	27	model	model	NOUN
ajfa-17362	226	28	with	with	ADP
ajfa-17362	226	29	control	control	NOUN
ajfa-17362	226	30	variable	variable	NOUN
ajfa-17362	226	31	in	in	ADP
ajfa-17362	226	32	panel	panel	NOUN
ajfa-17362	226	33	4	4	NUM
ajfa-17362	226	34	.	.	PUNCT
ajfa-17362	227	1	this	this	DET
ajfa-17362	227	2	result	result	NOUN
ajfa-17362	227	3	is	be	AUX
ajfa-17362	227	4	consistent	consistent	ADJ
ajfa-17362	227	5	with	with	ADP
ajfa-17362	227	6	the	the	DET
ajfa-17362	227	7	findings	finding	NOUN
ajfa-17362	227	8	of	of	ADP
ajfa-17362	227	9	lyambiko	lyambiko	ADJ
ajfa-17362	227	10	(	(	PUNCT
ajfa-17362	227	11	2015	2015	NUM
ajfa-17362	227	12	)	)	PUNCT
ajfa-17362	227	13	who	who	PRON
ajfa-17362	227	14	established	establish	VERB
ajfa-17362	227	15	that	that	DET
ajfa-17362	227	16	cr	cr	PROPN
ajfa-17362	227	17	and	and	CCONJ
ajfa-17362	227	18	insr	insr	NOUN
ajfa-17362	227	19	as	as	ADP
ajfa-17362	227	20	indicators	indicator	NOUN
ajfa-17362	227	21	of	of	ADP
ajfa-17362	227	22	operational	operational	ADJ
ajfa-17362	227	23	risk	risk	NOUN
ajfa-17362	227	24	had	have	VERB
ajfa-17362	227	25	negative	negative	ADJ
ajfa-17362	227	26	effects	effect	NOUN
ajfa-17362	227	27	on	on	ADP
ajfa-17362	227	28	the	the	DET
ajfa-17362	227	29	financial	financial	ADJ
ajfa-17362	227	30	performance	performance	NOUN
ajfa-17362	227	31	of	of	ADP
ajfa-17362	227	32	deposit	deposit	NOUN
ajfa-17362	227	33	money	money	NOUN
ajfa-17362	227	34	banks	bank	NOUN
ajfa-17362	227	35	in	in	ADP
ajfa-17362	227	36	tanzania	tanzania	PROPN
ajfa-17362	227	37	.	.	PUNCT
ajfa-17362	228	1	also	also	ADV
ajfa-17362	228	2	,	,	PUNCT
ajfa-17362	228	3	the	the	DET
ajfa-17362	228	4	findings	finding	NOUN
ajfa-17362	228	5	of	of	ADP
ajfa-17362	228	6	this	this	DET
ajfa-17362	228	7	study	study	NOUN
ajfa-17362	228	8	is	be	AUX
ajfa-17362	228	9	consistent	consistent	ADJ
ajfa-17362	228	10	with	with	ADP
ajfa-17362	228	11	muriithi	muriithi	NOUN
ajfa-17362	228	12	and	and	CCONJ
ajfa-17362	228	13	muigai	muigai	PROPN
ajfa-17362	228	14	(	(	PUNCT
ajfa-17362	228	15	2017	2017	NUM
ajfa-17362	228	16	)	)	PUNCT
ajfa-17362	228	17	on	on	ADP
ajfa-17362	228	18	quantitative	quantitative	ADJ
ajfa-17362	228	19	analysis	analysis	NOUN
ajfa-17362	228	20	of	of	ADP
ajfa-17362	228	21	operational	operational	ADJ
ajfa-17362	228	22	risk	risk	NOUN
ajfa-17362	228	23	and	and	CCONJ
ajfa-17362	228	24	equity	equity	NOUN
ajfa-17362	228	25	returns	return	NOUN
ajfa-17362	228	26	of	of	ADP
ajfa-17362	228	27	kenyan	kenyan	ADJ
ajfa-17362	228	28	deposit	deposit	NOUN
ajfa-17362	228	29	money	money	NOUN
ajfa-17362	228	30	banks	bank	NOUN
ajfa-17362	228	31	using	use	VERB
ajfa-17362	228	32	cost	cost	NOUN
ajfa-17362	228	33	income	income	NOUN
ajfa-17362	228	34	ratio	ratio	NOUN
ajfa-17362	228	35	,	,	PUNCT
ajfa-17362	228	36	indicated	indicate	VERB
ajfa-17362	228	37	that	that	SCONJ
ajfa-17362	228	38	cost	cost	NOUN
ajfa-17362	228	39	income	income	NOUN
ajfa-17362	228	40	is	be	AUX
ajfa-17362	228	41	negatively	negatively	ADV
ajfa-17362	228	42	influenced	influence	VERB
ajfa-17362	228	43	bank	bank	NOUN
ajfa-17362	228	44	equity	equity	NOUN
ajfa-17362	228	45	returns	return	NOUN
ajfa-17362	228	46	both	both	CCONJ
ajfa-17362	228	47	in	in	ADP
ajfa-17362	228	48	the	the	DET
ajfa-17362	228	49	long	long	ADJ
ajfa-17362	228	50	run	run	NOUN
ajfa-17362	228	51	and	and	CCONJ
ajfa-17362	228	52	short	short	ADJ
ajfa-17362	228	53	run	run	NOUN
ajfa-17362	228	54	.	.	PUNCT
ajfa-17362	229	1	like	like	ADP
ajfa-17362	229	2	the	the	DET
ajfa-17362	229	3	findings	finding	NOUN
ajfa-17362	229	4	of	of	ADP
ajfa-17362	229	5	negative	negative	ADJ
ajfa-17362	229	6	impacts	impact	NOUN
ajfa-17362	229	7	of	of	ADP
ajfa-17362	229	8	operational	operational	ADJ
ajfa-17362	229	9	risks	risk	NOUN
ajfa-17362	229	10	on	on	ADP
ajfa-17362	229	11	banks	bank	NOUN
ajfa-17362	229	12	’	'	PUNCT
ajfa-17362	229	13	performance	performance	NOUN
ajfa-17362	229	14	in	in	ADP
ajfa-17362	229	15	nigeria	nigeria	PROPN
ajfa-17362	229	16	in	in	ADP
ajfa-17362	229	17	this	this	DET
ajfa-17362	229	18	study	study	NOUN
ajfa-17362	229	19	,	,	PUNCT
ajfa-17362	229	20	olalere	olalere	ADV
ajfa-17362	229	21	and	and	CCONJ
ajfa-17362	229	22	wan	wan	PROPN
ajfa-17362	229	23	(	(	PUNCT
ajfa-17362	229	24	2018	2018	NUM
ajfa-17362	229	25	)	)	PUNCT
ajfa-17362	229	26	obtained	obtain	VERB
ajfa-17362	229	27	similar	similar	ADJ
ajfa-17362	229	28	findings	finding	NOUN
ajfa-17362	229	29	in	in	ADP
ajfa-17362	229	30	their	their	PRON
ajfa-17362	229	31	study	study	NOUN
ajfa-17362	229	32	.	.	PUNCT
ajfa-17362	230	1	they	they	PRON
ajfa-17362	230	2	empirically	empirically	ADV
ajfa-17362	230	3	found	find	VERB
ajfa-17362	230	4	that	that	SCONJ
ajfa-17362	230	5	effects	effect	NOUN
ajfa-17362	230	6	of	of	ADP
ajfa-17362	230	7	credit	credit	NOUN
ajfa-17362	230	8	risk	risk	NOUN
ajfa-17362	230	9	on	on	ADP
ajfa-17362	230	10	equity	equity	NOUN
ajfa-17362	230	11	returns	return	NOUN
ajfa-17362	230	12	of	of	ADP
ajfa-17362	230	13	deposit	deposit	NOUN
ajfa-17362	230	14	money	money	NOUN
ajfa-17362	230	15	banks	bank	NOUN
ajfa-17362	230	16	in	in	ADP
ajfa-17362	230	17	nigeria	nigeria	PROPN
ajfa-17362	230	18	were	be	AUX
ajfa-17362	230	19	evidently	evidently	ADV
ajfa-17362	230	20	negative	negative	ADJ
ajfa-17362	230	21	and	and	CCONJ
ajfa-17362	230	22	significant	significant	ADJ
ajfa-17362	230	23	.	.	PUNCT
ajfa-17362	231	1	asian	asian	ADJ
ajfa-17362	231	2	journal	journal	PROPN
ajfa-17362	231	3	of	of	ADP
ajfa-17362	231	4	finance	finance	PROPN
ajfa-17362	231	5	&	&	CCONJ
ajfa-17362	231	6	accounting	accounting	PROPN
ajfa-17362	231	7	issn	issn	PROPN
ajfa-17362	231	8	1946	1946	NUM
ajfa-17362	231	9	-	-	PUNCT
ajfa-17362	231	10	052x	052x	NOUN
ajfa-17362	231	11	2020	2020	NUM
ajfa-17362	231	12	,	,	PUNCT
ajfa-17362	231	13	vol	vol	NOUN
ajfa-17362	231	14	.	.	PROPN
ajfa-17362	231	15	12	12	NUM
ajfa-17362	231	16	,	,	PUNCT
ajfa-17362	231	17	no	no	INTJ
ajfa-17362	231	18	.	.	NOUN
ajfa-17362	231	19	2	2	NUM
ajfa-17362	231	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	231	21	15	15	NUM
ajfa-17362	231	22	table	table	NOUN
ajfa-17362	231	23	4.6	4.6	NUM
ajfa-17362	231	24	.	.	PUNCT
ajfa-17362	232	1	regression	regression	NOUN
ajfa-17362	232	2	result	result	NOUN
ajfa-17362	232	3	of	of	ADP
ajfa-17362	232	4	the	the	DET
ajfa-17362	232	5	effect	effect	NOUN
ajfa-17362	232	6	of	of	ADP
ajfa-17362	232	7	operational	operational	ADJ
ajfa-17362	232	8	risk	risk	NOUN
ajfa-17362	232	9	on	on	ADP
ajfa-17362	232	10	return	return	NOUN
ajfa-17362	232	11	on	on	ADP
ajfa-17362	232	12	assets	asset	NOUN
ajfa-17362	232	13	variable	variable	ADJ
ajfa-17362	232	14	panel	panel	NOUN
ajfa-17362	232	15	regression	regression	NOUN
ajfa-17362	232	16	result	result	VERB
ajfa-17362	232	17	random	random	ADJ
ajfa-17362	232	18	effect	effect	NOUN
ajfa-17362	232	19	model	model	NOUN
ajfa-17362	232	20	without	without	ADP
ajfa-17362	232	21	control	control	NOUN
ajfa-17362	232	22	variable	variable	NOUN
ajfa-17362	232	23	(	(	PUNCT
ajfa-17362	232	24	model	model	NOUN
ajfa-17362	232	25	3	3	NUM
ajfa-17362	232	26	)	)	PUNCT
ajfa-17362	232	27	panel	panel	NOUN
ajfa-17362	232	28	regression	regression	NOUN
ajfa-17362	232	29	result	result	VERB
ajfa-17362	232	30	fixed	fix	VERB
ajfa-17362	232	31	effect	effect	NOUN
ajfa-17362	232	32	model	model	NOUN
ajfa-17362	232	33	with	with	ADP
ajfa-17362	232	34	control	control	NOUN
ajfa-17362	232	35	variable	variable	NOUN
ajfa-17362	232	36	(	(	PUNCT
ajfa-17362	232	37	model	model	NOUN
ajfa-17362	232	38	4	4	NUM
ajfa-17362	232	39	)	)	PUNCT
ajfa-17362	232	40	dependent	dependent	ADJ
ajfa-17362	232	41	variable	variable	NOUN
ajfa-17362	232	42	=	=	PROPN
ajfa-17362	232	43	roa	roa	PROPN
ajfa-17362	232	44	coeff	coeff	PROPN
ajfa-17362	232	45	.	.	PUNCT
ajfa-17362	233	1	robust	robust	ADJ
ajfa-17362	233	2	stderr	stderr	NOUN
ajfa-17362	233	3	t	t	NOUN
ajfa-17362	233	4	-	-	PUNCT
ajfa-17362	233	5	stat	stat	NOUN
ajfa-17362	233	6	.	.	PUNCT
ajfa-17362	234	1	p	p	X
ajfa-17362	234	2	-	-	PUNCT
ajfa-17362	234	3	value	value	NOUN
ajfa-17362	234	4	coeff	coeff	NOUN
ajfa-17362	234	5	.	.	PUNCT
ajfa-17362	235	1	robust	robust	ADJ
ajfa-17362	235	2	stderr	stderr	NOUN
ajfa-17362	235	3	.	.	PUNCT
ajfa-17362	236	1	t	t	NOUN
ajfa-17362	236	2	-	-	PUNCT
ajfa-17362	236	3	stat	stat	NOUN
ajfa-17362	236	4	.	.	PUNCT
ajfa-17362	237	1	p	p	X
ajfa-17362	237	2	-	-	PUNCT
ajfa-17362	237	3	value	value	NOUN
ajfa-17362	237	4	.	.	PUNCT
ajfa-17362	238	1	c	c	NOUN
ajfa-17362	238	2	-839.907	-839.907	PUNCT
ajfa-17362	238	3	*	*	PUNCT
ajfa-17362	238	4	88.661	88.661	NUM
ajfa-17362	238	5	-9.473	-9.473	NOUN
ajfa-17362	238	6	0.000	0.000	NUM
ajfa-17362	238	7	290.296	290.296	NUM
ajfa-17362	238	8	280.920	280.920	NUM
ajfa-17362	238	9	1.033	1.033	NUM
ajfa-17362	238	10	0.304	0.304	NUM
ajfa-17362	238	11	cr	cr	ADP
ajfa-17362	238	12	0.099	0.099	NUM
ajfa-17362	238	13	*	*	PUNCT
ajfa-17362	238	14	0.021	0.021	NUM
ajfa-17362	238	15	4.762	4.762	NUM
ajfa-17362	238	16	0.000	0.000	NUM
ajfa-17362	238	17	0.042	0.042	NUM
ajfa-17362	238	18	*	*	PUNCT
ajfa-17362	238	19	*	*	PUNCT
ajfa-17362	238	20	*	*	PUNCT
ajfa-17362	238	21	0.024	0.024	NUM
ajfa-17362	238	22	1.804	1.804	NUM
ajfa-17362	238	23	0.074	0.074	NUM
ajfa-17362	238	24	loginsr	loginsr	PROPN
ajfa-17362	238	25	536.688	536.688	NUM
ajfa-17362	238	26	*	*	PUNCT
ajfa-17362	238	27	52.300	52.300	NUM
ajfa-17362	238	28	10.262	10.262	NUM
ajfa-17362	239	1	0.000	0.000	NUM
ajfa-17362	239	2	524.610	524.610	NUM
ajfa-17362	239	3	*	*	PUNCT
ajfa-17362	239	4	53.722	53.722	NUM
ajfa-17362	239	5	9.765	9.765	NUM
ajfa-17362	239	6	0.000	0.000	NUM
ajfa-17362	239	7	lqr	lqr	NOUN
ajfa-17362	239	8	-0.0000013	-0.0000013	NOUN
ajfa-17362	239	9	0.000	0.000	NUM
ajfa-17362	239	10	-0.005	-0.005	PUNCT
ajfa-17362	240	1	0.996	0.996	NUM
ajfa-17362	240	2	-0.00023	-0.00023	NOUN
ajfa-17362	240	3	0.00023	0.00023	NUM
ajfa-17362	240	4	-0.986	-0.986	NUM
ajfa-17362	240	5	0.327	0.327	NUM
ajfa-17362	240	6	fsize	fsize	NOUN
ajfa-17362	240	7	-148.914	-148.914	PROPN
ajfa-17362	240	8	*	*	SYM
ajfa-17362	240	9	34.535	34.535	NUM
ajfa-17362	240	10	-4.312	-4.312	NUM
ajfa-17362	240	11	0.000	0.000	NUM
ajfa-17362	240	12	adj	adj	PROPN
ajfa-17362	240	13	.	.	PUNCT
ajfa-17362	240	14	r2	r2	PROPN
ajfa-17362	240	15	=	=	PUNCT
ajfa-17362	240	16	0.520	0.520	NUM
ajfa-17362	240	17	f	f	X
ajfa-17362	240	18	-	-	PUNCT
ajfa-17362	240	19	stat	stat	NOUN
ajfa-17362	240	20	=	=	SYM
ajfa-17362	240	21	10.187	10.187	NUM
ajfa-17362	240	22	(	(	PUNCT
ajfa-17362	240	23	0.000	0.000	NUM
ajfa-17362	240	24	)	)	PUNCT
ajfa-17362	240	25	adj	adj	PROPN
ajfa-17362	240	26	.	.	PUNCT
ajfa-17362	240	27	r2	r2	PROPN
ajfa-17362	240	28	=	=	PUNCT
ajfa-17362	241	1	0.581	0.581	NUM
ajfa-17362	241	2	f	f	X
ajfa-17362	241	3	-	-	PUNCT
ajfa-17362	241	4	stat	stat	NOUN
ajfa-17362	241	5	=	=	SYM
ajfa-17362	241	6	13.678	13.678	NUM
ajfa-17362	241	7	(	(	PUNCT
ajfa-17362	241	8	0.000	0.000	NUM
ajfa-17362	241	9	)	)	PUNCT
ajfa-17362	241	10	hausman	hausman	PROPN
ajfa-17362	241	11	test	test	VERB
ajfa-17362	241	12	4.697	4.697	NUM
ajfa-17362	241	13	(	(	PUNCT
ajfa-17362	241	14	0.195	0.195	NUM
ajfa-17362	241	15	)	)	PUNCT
ajfa-17362	241	16	18.924	18.924	NUM
ajfa-17362	241	17	(	(	PUNCT
ajfa-17362	241	18	0.000	0.000	NUM
ajfa-17362	241	19	)	)	PUNCT
ajfa-17362	242	1	bp	bp	PROPN
ajfa-17362	242	2	lm	lm	PROPN
ajfa-17362	242	3	test	test	PROPN
ajfa-17362	242	4	174.844	174.844	NUM
ajfa-17362	242	5	(	(	PUNCT
ajfa-17362	242	6	0.000	0.000	NUM
ajfa-17362	242	7	)	)	PUNCT
ajfa-17362	242	8	168.334	168.334	NUM
ajfa-17362	242	9	(	(	PUNCT
ajfa-17362	242	10	0.000	0.000	NUM
ajfa-17362	242	11	)	)	PUNCT
ajfa-17362	242	12	pcd	pcd	NOUN
ajfa-17362	242	13	test	test	NOUN
ajfa-17362	242	14	2.805	2.805	NUM
ajfa-17362	242	15	(	(	PUNCT
ajfa-17362	242	16	0.005	0.005	NUM
ajfa-17362	242	17	)	)	PUNCT
ajfa-17362	242	18	2.677	2.677	NUM
ajfa-17362	242	19	(	(	PUNCT
ajfa-17362	242	20	0.007	0.007	NUM
ajfa-17362	242	21	)	)	PUNCT
ajfa-17362	242	22	source	source	NOUN
ajfa-17362	242	23	:	:	PUNCT
ajfa-17362	242	24	author	author	NOUN
ajfa-17362	242	25	’s	’s	PART
ajfa-17362	242	26	computation	computation	NOUN
ajfa-17362	242	27	(	(	PUNCT
ajfa-17362	242	28	2020	2020	NUM
ajfa-17362	242	29	)	)	PUNCT
ajfa-17362	242	30	.	.	PUNCT
ajfa-17362	243	1	note	note	VERB
ajfa-17362	243	2	:	:	PUNCT
ajfa-17362	244	1	*	*	PUNCT
ajfa-17362	244	2	,	,	PUNCT
ajfa-17362	244	3	*	*	PUNCT
ajfa-17362	244	4	*	*	PUNCT
ajfa-17362	244	5	,	,	PUNCT
ajfa-17362	244	6	and	and	CCONJ
ajfa-17362	244	7	*	*	PUNCT
ajfa-17362	244	8	*	*	PUNCT
ajfa-17362	244	9	*	*	PUNCT
ajfa-17362	244	10	represent	represent	VERB
ajfa-17362	244	11	1	1	NUM
ajfa-17362	244	12	%	%	NOUN
ajfa-17362	244	13	,	,	PUNCT
ajfa-17362	244	14	5	5	NUM
ajfa-17362	244	15	%	%	NOUN
ajfa-17362	244	16	,	,	PUNCT
ajfa-17362	244	17	and	and	CCONJ
ajfa-17362	244	18	10	10	NUM
ajfa-17362	244	19	%	%	NOUN
ajfa-17362	244	20	level	level	NOUN
ajfa-17362	244	21	of	of	ADP
ajfa-17362	244	22	significance	significance	NOUN
ajfa-17362	244	23	.	.	PUNCT
ajfa-17362	245	1	4.2.4	4.2.4	NUM
ajfa-17362	245	2	hausman	hausman	ADJ
ajfa-17362	245	3	tests	test	NOUN
ajfa-17362	245	4	and	and	CCONJ
ajfa-17362	245	5	breusch	breusch	NOUN
ajfa-17362	245	6	and	and	CCONJ
ajfa-17362	245	7	pagan	pagan	VERB
ajfa-17362	245	8	lm	lm	INTJ
ajfa-17362	245	9	test	test	NOUN
ajfa-17362	245	10	results	result	NOUN
ajfa-17362	245	11	in	in	ADP
ajfa-17362	245	12	table	table	NOUN
ajfa-17362	245	13	4.6	4.6	NUM
ajfa-17362	245	14	reveal	reveal	NOUN
ajfa-17362	245	15	that	that	SCONJ
ajfa-17362	245	16	the	the	DET
ajfa-17362	245	17	estimated	estimate	VERB
ajfa-17362	245	18	coefficient	coefficient	NOUN
ajfa-17362	245	19	of	of	ADP
ajfa-17362	245	20	the	the	DET
ajfa-17362	245	21	hausman	hausman	PROPN
ajfa-17362	245	22	test	test	NOUN
ajfa-17362	245	23	shows	show	VERB
ajfa-17362	245	24	insignificant	insignificant	ADJ
ajfa-17362	245	25	with	with	ADP
ajfa-17362	245	26	the	the	DET
ajfa-17362	245	27	p	p	NOUN
ajfa-17362	245	28	-	-	PUNCT
ajfa-17362	245	29	value	value	NOUN
ajfa-17362	245	30	of	of	ADP
ajfa-17362	245	31	0.195	0.195	NUM
ajfa-17362	245	32	.	.	PUNCT
ajfa-17362	246	1	this	this	PRON
ajfa-17362	246	2	suggests	suggest	VERB
ajfa-17362	246	3	the	the	DET
ajfa-17362	246	4	acceptance	acceptance	NOUN
ajfa-17362	246	5	of	of	ADP
ajfa-17362	246	6	random	random	ADJ
ajfa-17362	246	7	effect	effect	NOUN
ajfa-17362	246	8	model	model	NOUN
ajfa-17362	246	9	in	in	ADP
ajfa-17362	246	10	panel	panel	NOUN
ajfa-17362	246	11	1	1	NUM
ajfa-17362	246	12	without	without	ADP
ajfa-17362	246	13	the	the	DET
ajfa-17362	246	14	control	control	NOUN
ajfa-17362	246	15	variable	variable	NOUN
ajfa-17362	246	16	for	for	ADP
ajfa-17362	246	17	investigating	investigate	VERB
ajfa-17362	246	18	the	the	DET
ajfa-17362	246	19	effect	effect	NOUN
ajfa-17362	246	20	of	of	ADP
ajfa-17362	246	21	operational	operational	ADJ
ajfa-17362	246	22	risk	risk	NOUN
ajfa-17362	246	23	on	on	ADP
ajfa-17362	246	24	the	the	DET
ajfa-17362	246	25	financial	financial	ADJ
ajfa-17362	246	26	performance	performance	NOUN
ajfa-17362	246	27	of	of	ADP
ajfa-17362	246	28	the	the	DET
ajfa-17362	246	29	listed	list	VERB
ajfa-17362	246	30	dmbs	dmb	NOUN
ajfa-17362	246	31	in	in	ADP
ajfa-17362	246	32	nigeria	nigeria	PROPN
ajfa-17362	246	33	in	in	ADP
ajfa-17362	246	34	terms	term	NOUN
ajfa-17362	246	35	of	of	ADP
ajfa-17362	246	36	return	return	NOUN
ajfa-17362	246	37	on	on	ADP
ajfa-17362	246	38	assets	asset	NOUN
ajfa-17362	246	39	(	(	PUNCT
ajfa-17362	246	40	roas	roas	NOUN
ajfa-17362	246	41	)	)	PUNCT
ajfa-17362	246	42	.	.	PUNCT
ajfa-17362	247	1	to	to	PART
ajfa-17362	247	2	be	be	AUX
ajfa-17362	247	3	able	able	ADJ
ajfa-17362	247	4	to	to	PART
ajfa-17362	247	5	choose	choose	VERB
ajfa-17362	247	6	between	between	ADP
ajfa-17362	247	7	random	random	ADJ
ajfa-17362	247	8	effect	effect	NOUN
ajfa-17362	247	9	model	model	NOUN
ajfa-17362	247	10	and	and	CCONJ
ajfa-17362	247	11	pooled	pool	VERB
ajfa-17362	247	12	ols	ol	NOUN
ajfa-17362	247	13	,	,	PUNCT
ajfa-17362	247	14	however	however	ADV
ajfa-17362	247	15	,	,	PUNCT
ajfa-17362	247	16	the	the	DET
ajfa-17362	247	17	result	result	NOUN
ajfa-17362	247	18	for	for	ADP
ajfa-17362	247	19	the	the	DET
ajfa-17362	247	20	b	b	NOUN
ajfa-17362	247	21	-	-	PUNCT
ajfa-17362	247	22	p	p	ADJ
ajfa-17362	247	23	lm	lm	ADJ
ajfa-17362	247	24	test	test	NOUN
ajfa-17362	247	25	confirms	confirm	VERB
ajfa-17362	247	26	that	that	SCONJ
ajfa-17362	247	27	the	the	DET
ajfa-17362	247	28	best	good	ADJ
ajfa-17362	247	29	model	model	NOUN
ajfa-17362	247	30	is	be	AUX
ajfa-17362	247	31	random	random	ADJ
ajfa-17362	247	32	effect	effect	NOUN
ajfa-17362	247	33	as	as	SCONJ
ajfa-17362	247	34	its	its	PRON
ajfa-17362	247	35	p	p	NOUN
ajfa-17362	247	36	-	-	PUNCT
ajfa-17362	247	37	value	value	NOUN
ajfa-17362	247	38	was	be	AUX
ajfa-17362	247	39	significant	significant	ADJ
ajfa-17362	247	40	(	(	PUNCT
ajfa-17362	247	41	p	p	NOUN
ajfa-17362	247	42	-	-	PUNCT
ajfa-17362	247	43	value	value	NOUN
ajfa-17362	247	44	<	<	NOUN
ajfa-17362	247	45	0.05	0.05	NUM
ajfa-17362	247	46	)	)	PUNCT
ajfa-17362	247	47	.	.	PUNCT
ajfa-17362	248	1	therefore	therefore	ADV
ajfa-17362	248	2	,	,	PUNCT
ajfa-17362	248	3	the	the	DET
ajfa-17362	248	4	random	random	ADJ
ajfa-17362	248	5	effect	effect	NOUN
ajfa-17362	248	6	model	model	NOUN
ajfa-17362	248	7	is	be	AUX
ajfa-17362	248	8	used	use	VERB
ajfa-17362	248	9	for	for	ADP
ajfa-17362	248	10	the	the	DET
ajfa-17362	248	11	analyses	analysis	NOUN
ajfa-17362	248	12	of	of	ADP
ajfa-17362	248	13	the	the	DET
ajfa-17362	248	14	model	model	NOUN
ajfa-17362	248	15	in	in	ADP
ajfa-17362	248	16	panel	panel	NOUN
ajfa-17362	248	17	1	1	NUM
ajfa-17362	248	18	without	without	ADP
ajfa-17362	248	19	the	the	DET
ajfa-17362	248	20	control	control	NOUN
ajfa-17362	248	21	variable	variable	NOUN
ajfa-17362	248	22	.	.	PUNCT
ajfa-17362	249	1	for	for	ADP
ajfa-17362	249	2	the	the	DET
ajfa-17362	249	3	model	model	NOUN
ajfa-17362	249	4	with	with	ADP
ajfa-17362	249	5	the	the	DET
ajfa-17362	249	6	control	control	NOUN
ajfa-17362	249	7	variable	variable	NOUN
ajfa-17362	249	8	of	of	ADP
ajfa-17362	249	9	firm	firm	ADJ
ajfa-17362	249	10	size	size	NOUN
ajfa-17362	249	11	in	in	ADP
ajfa-17362	249	12	panel	panel	NOUN
ajfa-17362	249	13	6	6	NUM
ajfa-17362	249	14	of	of	ADP
ajfa-17362	249	15	table	table	NOUN
ajfa-17362	249	16	4.6	4.6	NUM
ajfa-17362	249	17	,	,	PUNCT
ajfa-17362	249	18	the	the	DET
ajfa-17362	249	19	hausman	hausman	ADJ
ajfa-17362	249	20	test	test	NOUN
ajfa-17362	249	21	result	result	NOUN
ajfa-17362	249	22	is	be	AUX
ajfa-17362	249	23	statistically	statistically	ADV
ajfa-17362	249	24	significant	significant	ADJ
ajfa-17362	249	25	(	(	PUNCT
ajfa-17362	249	26	p	p	NOUN
ajfa-17362	249	27	-	-	PUNCT
ajfa-17362	249	28	values	value	NOUN
ajfa-17362	249	29	<	<	X
ajfa-17362	249	30	0.05	0.05	NUM
ajfa-17362	249	31	)	)	PUNCT
ajfa-17362	249	32	.	.	PUNCT
ajfa-17362	250	1	this	this	PRON
ajfa-17362	250	2	requires	require	VERB
ajfa-17362	250	3	that	that	SCONJ
ajfa-17362	250	4	the	the	DET
ajfa-17362	250	5	null	null	ADJ
ajfa-17362	250	6	hypothesis	hypothesis	NOUN
ajfa-17362	250	7	is	be	AUX
ajfa-17362	250	8	rejected	reject	VERB
ajfa-17362	250	9	and	and	CCONJ
ajfa-17362	250	10	that	that	SCONJ
ajfa-17362	250	11	the	the	DET
ajfa-17362	250	12	fixed	fixed	ADJ
ajfa-17362	250	13	effect	effect	NOUN
ajfa-17362	250	14	model	model	NOUN
ajfa-17362	250	15	is	be	AUX
ajfa-17362	250	16	the	the	DET
ajfa-17362	250	17	best	good	ADJ
ajfa-17362	250	18	.	.	PUNCT
ajfa-17362	251	1	the	the	DET
ajfa-17362	251	2	b	b	NOUN
ajfa-17362	251	3	-	-	PUNCT
ajfa-17362	251	4	p	p	ADJ
ajfa-17362	251	5	lm	lm	ADJ
ajfa-17362	251	6	test	test	NOUN
ajfa-17362	251	7	reveals	reveal	VERB
ajfa-17362	251	8	that	that	PRON
ajfa-17362	251	9	pooled	pool	VERB
ajfa-17362	251	10	ols	ols	PROPN
ajfa-17362	251	11	asian	asian	PROPN
ajfa-17362	251	12	journal	journal	PROPN
ajfa-17362	251	13	of	of	ADP
ajfa-17362	251	14	finance	finance	PROPN
ajfa-17362	251	15	&	&	CCONJ
ajfa-17362	251	16	accounting	accounting	PROPN
ajfa-17362	251	17	issn	issn	PROPN
ajfa-17362	251	18	1946	1946	NUM
ajfa-17362	251	19	-	-	PUNCT
ajfa-17362	251	20	052x	052x	NOUN
ajfa-17362	251	21	2020	2020	NUM
ajfa-17362	251	22	,	,	PUNCT
ajfa-17362	251	23	vol	vol	NOUN
ajfa-17362	251	24	.	.	PROPN
ajfa-17362	251	25	12	12	NUM
ajfa-17362	251	26	,	,	PUNCT
ajfa-17362	251	27	no	no	INTJ
ajfa-17362	251	28	.	.	NOUN
ajfa-17362	251	29	2	2	NUM
ajfa-17362	251	30	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	251	31	16	16	NUM
ajfa-17362	251	32	can	can	AUX
ajfa-17362	251	33	not	not	PART
ajfa-17362	251	34	be	be	AUX
ajfa-17362	251	35	used	use	VERB
ajfa-17362	251	36	as	as	ADP
ajfa-17362	251	37	the	the	DET
ajfa-17362	251	38	p	p	NOUN
ajfa-17362	251	39	-	-	PUNCT
ajfa-17362	251	40	value	value	NOUN
ajfa-17362	251	41	<	<	X
ajfa-17362	251	42	0.05	0.05	NUM
ajfa-17362	251	43	is	be	AUX
ajfa-17362	251	44	statistically	statistically	ADV
ajfa-17362	251	45	significant	significant	ADJ
ajfa-17362	251	46	.	.	PUNCT
ajfa-17362	252	1	therefore	therefore	ADV
ajfa-17362	252	2	,	,	PUNCT
ajfa-17362	252	3	the	the	DET
ajfa-17362	252	4	fixed	fix	VERB
ajfa-17362	252	5	effect	effect	NOUN
ajfa-17362	252	6	model	model	NOUN
ajfa-17362	252	7	is	be	AUX
ajfa-17362	252	8	the	the	DET
ajfa-17362	252	9	best	good	ADJ
ajfa-17362	252	10	and	and	CCONJ
ajfa-17362	252	11	is	be	AUX
ajfa-17362	252	12	reported	report	VERB
ajfa-17362	252	13	for	for	ADP
ajfa-17362	252	14	the	the	DET
ajfa-17362	252	15	effect	effect	NOUN
ajfa-17362	252	16	of	of	ADP
ajfa-17362	252	17	operational	operational	ADJ
ajfa-17362	252	18	risk	risk	NOUN
ajfa-17362	252	19	on	on	ADP
ajfa-17362	252	20	equity	equity	NOUN
ajfa-17362	252	21	returns	return	NOUN
ajfa-17362	252	22	(	(	PUNCT
ajfa-17362	252	23	roe	roe	NOUN
ajfa-17362	252	24	)	)	PUNCT
ajfa-17362	252	25	of	of	ADP
ajfa-17362	252	26	the	the	DET
ajfa-17362	252	27	selected	select	VERB
ajfa-17362	252	28	dmbs	dmb	NOUN
ajfa-17362	252	29	with	with	ADP
ajfa-17362	252	30	firm	firm	ADJ
ajfa-17362	252	31	size	size	NOUN
ajfa-17362	252	32	as	as	ADP
ajfa-17362	252	33	the	the	DET
ajfa-17362	252	34	control	control	NOUN
ajfa-17362	252	35	variable	variable	NOUN
ajfa-17362	252	36	in	in	ADP
ajfa-17362	252	37	panel	panel	NOUN
ajfa-17362	252	38	2	2	NUM
ajfa-17362	252	39	.	.	X
ajfa-17362	252	40	4.2.5	4.2.5	NUM
ajfa-17362	252	41	cross	cross	ADJ
ajfa-17362	252	42	-	-	ADJ
ajfa-17362	252	43	sectional	sectional	ADJ
ajfa-17362	252	44	dependence	dependence	NOUN
ajfa-17362	252	45	test	test	NOUN
ajfa-17362	252	46	evidence	evidence	NOUN
ajfa-17362	252	47	for	for	ADP
ajfa-17362	252	48	the	the	DET
ajfa-17362	252	49	existence	existence	NOUN
ajfa-17362	252	50	of	of	ADP
ajfa-17362	252	51	cross	cross	ADJ
ajfa-17362	252	52	-	-	ADJ
ajfa-17362	252	53	sectional	sectional	ADJ
ajfa-17362	252	54	dependence	dependence	NOUN
ajfa-17362	252	55	is	be	AUX
ajfa-17362	252	56	checked	check	VERB
ajfa-17362	252	57	with	with	ADP
ajfa-17362	252	58	the	the	DET
ajfa-17362	252	59	use	use	NOUN
ajfa-17362	252	60	of	of	ADP
ajfa-17362	252	61	pcd	pcd	PROPN
ajfa-17362	252	62	test	test	NOUN
ajfa-17362	252	63	statistics	statistic	NOUN
ajfa-17362	252	64	for	for	ADP
ajfa-17362	252	65	the	the	DET
ajfa-17362	252	66	model	model	NOUN
ajfa-17362	252	67	with	with	ADP
ajfa-17362	252	68	and	and	CCONJ
ajfa-17362	252	69	without	without	ADP
ajfa-17362	252	70	control	control	NOUN
ajfa-17362	252	71	variable	variable	NOUN
ajfa-17362	252	72	.	.	PUNCT
ajfa-17362	253	1	the	the	DET
ajfa-17362	253	2	result	result	NOUN
ajfa-17362	253	3	in	in	ADP
ajfa-17362	253	4	panel	panel	NOUN
ajfa-17362	253	5	3	3	NUM
ajfa-17362	253	6	and	and	CCONJ
ajfa-17362	253	7	6	6	NUM
ajfa-17362	253	8	show	show	VERB
ajfa-17362	253	9	that	that	SCONJ
ajfa-17362	253	10	there	there	PRON
ajfa-17362	253	11	is	be	VERB
ajfa-17362	253	12	a	a	DET
ajfa-17362	253	13	presence	presence	NOUN
ajfa-17362	253	14	of	of	ADP
ajfa-17362	253	15	cross	cross	ADJ
ajfa-17362	253	16	-	-	ADJ
ajfa-17362	253	17	sectional	sectional	ADJ
ajfa-17362	253	18	dependence	dependence	NOUN
ajfa-17362	253	19	of	of	ADP
ajfa-17362	253	20	the	the	DET
ajfa-17362	253	21	estimates	estimate	NOUN
ajfa-17362	253	22	for	for	ADP
ajfa-17362	253	23	the	the	DET
ajfa-17362	253	24	selected	select	VERB
ajfa-17362	253	25	banks	bank	NOUN
ajfa-17362	253	26	.	.	PUNCT
ajfa-17362	254	1	by	by	ADP
ajfa-17362	254	2	implication	implication	NOUN
ajfa-17362	254	3	,	,	PUNCT
ajfa-17362	254	4	the	the	DET
ajfa-17362	254	5	sampled	sample	VERB
ajfa-17362	254	6	banks	bank	NOUN
ajfa-17362	254	7	may	may	AUX
ajfa-17362	254	8	have	have	VERB
ajfa-17362	254	9	common	common	ADJ
ajfa-17362	254	10	heterogeneous	heterogeneous	ADJ
ajfa-17362	254	11	factors	factor	NOUN
ajfa-17362	254	12	that	that	PRON
ajfa-17362	254	13	determine	determine	VERB
ajfa-17362	254	14	their	their	PRON
ajfa-17362	254	15	financial	financial	ADJ
ajfa-17362	254	16	performances	performance	NOUN
ajfa-17362	254	17	and	and	CCONJ
ajfa-17362	254	18	risk	risk	NOUN
ajfa-17362	254	19	management	management	NOUN
ajfa-17362	254	20	.	.	PUNCT
ajfa-17362	255	1	based	base	VERB
ajfa-17362	255	2	on	on	ADP
ajfa-17362	255	3	these	these	DET
ajfa-17362	255	4	diagnostics	diagnostic	NOUN
ajfa-17362	255	5	or	or	CCONJ
ajfa-17362	255	6	post	post	ADJ
ajfa-17362	255	7	-	-	ADJ
ajfa-17362	255	8	estimation	estimation	ADJ
ajfa-17362	255	9	tests	test	NOUN
ajfa-17362	255	10	’	'	PUNCT
ajfa-17362	255	11	results	result	NOUN
ajfa-17362	255	12	,	,	PUNCT
ajfa-17362	255	13	the	the	DET
ajfa-17362	255	14	results	result	NOUN
ajfa-17362	255	15	of	of	ADP
ajfa-17362	255	16	the	the	DET
ajfa-17362	255	17	random	random	ADJ
ajfa-17362	255	18	and	and	CCONJ
ajfa-17362	255	19	fixed	fix	VERB
ajfa-17362	255	20	effects	effect	NOUN
ajfa-17362	255	21	model	model	NOUN
ajfa-17362	255	22	with	with	ADP
ajfa-17362	255	23	and	and	CCONJ
ajfa-17362	255	24	without	without	ADP
ajfa-17362	255	25	the	the	DET
ajfa-17362	255	26	control	control	NOUN
ajfa-17362	255	27	,	,	PUNCT
ajfa-17362	255	28	variable	variable	NOUN
ajfa-17362	255	29	are	be	AUX
ajfa-17362	255	30	analyzed	analyze	VERB
ajfa-17362	255	31	and	and	CCONJ
ajfa-17362	255	32	discussed	discuss	VERB
ajfa-17362	255	33	and	and	CCONJ
ajfa-17362	255	34	the	the	DET
ajfa-17362	255	35	models	model	NOUN
ajfa-17362	255	36	reinstated	reinstate	VERB
ajfa-17362	255	37	as	as	ADP
ajfa-17362	255	38	:	:	PUNCT
ajfa-17362	255	39	model	model	NOUN
ajfa-17362	255	40	three	three	NUM
ajfa-17362	255	41	roait	roait	NOUN
ajfa-17362	255	42	=	=	PROPN
ajfa-17362	255	43	β0	β0	NOUN
ajfa-17362	255	44	+	+	NOUN
ajfa-17362	255	45	β1crit	β1crit	ADJ
ajfa-17362	255	46	+	+	CCONJ
ajfa-17362	255	47	β2loginsrit	β2loginsrit	NOUN
ajfa-17362	255	48	+	+	CCONJ
ajfa-17362	255	49	β3lqrit	β3lqrit	PRON
ajfa-17362	255	50	+	+	CCONJ
ajfa-17362	255	51	ɛit	ɛit	NOUN
ajfa-17362	255	52	…	…	PUNCT
ajfa-17362	255	53	…	…	PUNCT
ajfa-17362	255	54	…	…	PUNCT
ajfa-17362	255	55	…	…	PUNCT
ajfa-17362	255	56	…	…	PUNCT
ajfa-17362	255	57	…	…	PUNCT
ajfa-17362	255	58	…	…	PUNCT
ajfa-17362	255	59	…	…	PUNCT
ajfa-17362	255	60	…	…	PUNCT
ajfa-17362	255	61	..	..	PUNCT
ajfa-17362	255	62	…	…	PUNCT
ajfa-17362	255	63	…	…	SYM
ajfa-17362	255	64	model	model	NOUN
ajfa-17362	255	65	3	3	NUM
ajfa-17362	255	66	roait	roait	NOUN
ajfa-17362	255	67	=	=	SYM
ajfa-17362	255	68	-839.907	-839.907	PROPN
ajfa-17362	256	1	+	+	CCONJ
ajfa-17362	256	2	0.099crit	0.099crit	NOUN
ajfa-17362	257	1	+	+	CCONJ
ajfa-17362	257	2	536.688lognsrit	536.688lognsrit	NUM
ajfa-17362	257	3	+	+	CCONJ
ajfa-17362	257	4	0.003lqrit	0.003lqrit	NOUN
ajfa-17362	258	1	+	+	CCONJ
ajfa-17362	258	2	ɛit	ɛit	NOUN
ajfa-17362	258	3	…	…	SYM
ajfa-17362	258	4	…	…	PUNCT
ajfa-17362	258	5	…	…	PUNCT
ajfa-17362	258	6	…	…	PUNCT
ajfa-17362	258	7	…	…	SYM
ajfa-17362	258	8	model	model	NOUN
ajfa-17362	258	9	3	3	NUM
ajfa-17362	258	10	in	in	ADP
ajfa-17362	258	11	column	column	NOUN
ajfa-17362	258	12	(	(	PUNCT
ajfa-17362	258	13	1	1	NUM
ajfa-17362	258	14	)	)	PUNCT
ajfa-17362	258	15	of	of	ADP
ajfa-17362	258	16	table	table	NOUN
ajfa-17362	258	17	4.6	4.6	NUM
ajfa-17362	258	18	above	above	ADV
ajfa-17362	258	19	,	,	PUNCT
ajfa-17362	258	20	the	the	DET
ajfa-17362	258	21	overall	overall	ADJ
ajfa-17362	258	22	joint	joint	ADJ
ajfa-17362	258	23	test	test	NOUN
ajfa-17362	258	24	of	of	ADP
ajfa-17362	258	25	significant	significant	ADJ
ajfa-17362	258	26	,	,	PUNCT
ajfa-17362	258	27	f	f	X
ajfa-17362	258	28	-	-	PUNCT
ajfa-17362	258	29	statistics	statistic	NOUN
ajfa-17362	259	1	[	[	X
ajfa-17362	259	2	f	f	X
ajfa-17362	259	3	-	-	PUNCT
ajfa-17362	259	4	stat	stat	NOUN
ajfa-17362	259	5	=	=	SYM
ajfa-17362	259	6	10.187	10.187	NUM
ajfa-17362	259	7	;	;	PUNCT
ajfa-17362	259	8	p	p	X
ajfa-17362	259	9	-	-	PUNCT
ajfa-17362	259	10	value	value	NOUN
ajfa-17362	259	11	=	=	NOUN
ajfa-17362	259	12	0.000	0.000	NUM
ajfa-17362	259	13	]	]	PUNCT
ajfa-17362	259	14	shows	show	VERB
ajfa-17362	259	15	that	that	SCONJ
ajfa-17362	259	16	the	the	DET
ajfa-17362	259	17	selected	select	VERB
ajfa-17362	259	18	random	random	ADJ
ajfa-17362	259	19	effect	effect	NOUN
ajfa-17362	259	20	model	model	NOUN
ajfa-17362	259	21	is	be	AUX
ajfa-17362	259	22	statistically	statistically	ADV
ajfa-17362	259	23	significant	significant	ADJ
ajfa-17362	259	24	,	,	PUNCT
ajfa-17362	259	25	and	and	CCONJ
ajfa-17362	259	26	it	it	PRON
ajfa-17362	259	27	implies	imply	VERB
ajfa-17362	259	28	that	that	SCONJ
ajfa-17362	259	29	the	the	DET
ajfa-17362	259	30	measures	measure	NOUN
ajfa-17362	259	31	of	of	ADP
ajfa-17362	259	32	operational	operational	ADJ
ajfa-17362	259	33	risk	risk	NOUN
ajfa-17362	259	34	(	(	PUNCT
ajfa-17362	259	35	cr	cr	NOUN
ajfa-17362	259	36	,	,	PUNCT
ajfa-17362	259	37	insr	insr	NOUN
ajfa-17362	259	38	,	,	PUNCT
ajfa-17362	259	39	and	and	CCONJ
ajfa-17362	259	40	lqr	lqr	PROPN
ajfa-17362	259	41	)	)	PUNCT
ajfa-17362	259	42	had	have	VERB
ajfa-17362	259	43	a	a	DET
ajfa-17362	259	44	statistically	statistically	ADV
ajfa-17362	259	45	significant	significant	ADJ
ajfa-17362	259	46	combined	combined	ADJ
ajfa-17362	259	47	effect	effect	NOUN
ajfa-17362	259	48	on	on	ADP
ajfa-17362	259	49	roa	roa	NOUN
ajfa-17362	259	50	of	of	ADP
ajfa-17362	259	51	the	the	DET
ajfa-17362	259	52	selected	select	VERB
ajfa-17362	259	53	listed	list	VERB
ajfa-17362	259	54	banks	bank	NOUN
ajfa-17362	259	55	at	at	ADP
ajfa-17362	259	56	a	a	DET
ajfa-17362	259	57	5	5	NUM
ajfa-17362	259	58	%	%	NOUN
ajfa-17362	259	59	level	level	NOUN
ajfa-17362	259	60	of	of	ADP
ajfa-17362	259	61	significance	significance	NOUN
ajfa-17362	259	62	.	.	PUNCT
ajfa-17362	260	1	the	the	DET
ajfa-17362	260	2	adjusted	adjusted	ADJ
ajfa-17362	260	3	r	r	NOUN
ajfa-17362	260	4	-	-	PUNCT
ajfa-17362	260	5	square	square	NOUN
ajfa-17362	260	6	which	which	PRON
ajfa-17362	260	7	is	be	AUX
ajfa-17362	260	8	the	the	DET
ajfa-17362	260	9	coefficient	coefficient	NOUN
ajfa-17362	260	10	of	of	ADP
ajfa-17362	260	11	the	the	DET
ajfa-17362	260	12	determination	determination	NOUN
ajfa-17362	260	13	of	of	ADP
ajfa-17362	260	14	the	the	DET
ajfa-17362	260	15	model	model	NOUN
ajfa-17362	260	16	shows	show	VERB
ajfa-17362	260	17	that	that	SCONJ
ajfa-17362	260	18	the	the	DET
ajfa-17362	260	19	independent	independent	ADJ
ajfa-17362	260	20	variables	variable	NOUN
ajfa-17362	260	21	jointly	jointly	ADV
ajfa-17362	260	22	determine	determine	VERB
ajfa-17362	260	23	variation	variation	NOUN
ajfa-17362	260	24	in	in	ADP
ajfa-17362	260	25	roa	roa	NOUN
ajfa-17362	260	26	for	for	ADP
ajfa-17362	260	27	about	about	ADV
ajfa-17362	260	28	52	52	NUM
ajfa-17362	260	29	%	%	NOUN
ajfa-17362	260	30	.	.	PUNCT
ajfa-17362	261	1	that	that	PRON
ajfa-17362	261	2	is	be	AUX
ajfa-17362	261	3	,	,	PUNCT
ajfa-17362	261	4	other	other	ADJ
ajfa-17362	261	5	variable	variable	NOUN
ajfa-17362	261	6	that	that	PRON
ajfa-17362	261	7	is	be	AUX
ajfa-17362	261	8	not	not	PART
ajfa-17362	261	9	included	include	VERB
ajfa-17362	261	10	as	as	ADP
ajfa-17362	261	11	part	part	NOUN
ajfa-17362	261	12	of	of	ADP
ajfa-17362	261	13	the	the	DET
ajfa-17362	261	14	independent	independent	ADJ
ajfa-17362	261	15	variable	variable	ADJ
ajfa-17362	261	16	account	account	NOUN
ajfa-17362	261	17	for	for	ADP
ajfa-17362	261	18	about	about	ADV
ajfa-17362	261	19	48	48	NUM
ajfa-17362	261	20	%	%	NOUN
ajfa-17362	261	21	of	of	ADP
ajfa-17362	261	22	total	total	ADJ
ajfa-17362	261	23	variations	variation	NOUN
ajfa-17362	261	24	in	in	ADP
ajfa-17362	261	25	return	return	NOUN
ajfa-17362	261	26	on	on	ADP
ajfa-17362	261	27	assets	asset	NOUN
ajfa-17362	261	28	(	(	PUNCT
ajfa-17362	261	29	roa	roa	NOUN
ajfa-17362	261	30	)	)	PUNCT
ajfa-17362	261	31	of	of	ADP
ajfa-17362	261	32	dmbs	dmb	NOUN
ajfa-17362	261	33	.	.	PUNCT
ajfa-17362	262	1	in	in	ADP
ajfa-17362	262	2	all	all	PRON
ajfa-17362	262	3	,	,	PUNCT
ajfa-17362	262	4	the	the	DET
ajfa-17362	262	5	included	include	VERB
ajfa-17362	262	6	measures	measure	NOUN
ajfa-17362	262	7	of	of	ADP
ajfa-17362	262	8	operational	operational	ADJ
ajfa-17362	262	9	risk	risk	NOUN
ajfa-17362	262	10	of	of	ADP
ajfa-17362	262	11	the	the	DET
ajfa-17362	262	12	banks	bank	NOUN
ajfa-17362	262	13	are	be	AUX
ajfa-17362	262	14	statistically	statistically	ADV
ajfa-17362	262	15	significant	significant	ADJ
ajfa-17362	262	16	in	in	ADP
ajfa-17362	262	17	determining	determine	VERB
ajfa-17362	262	18	the	the	DET
ajfa-17362	262	19	extent	extent	NOUN
ajfa-17362	262	20	of	of	ADP
ajfa-17362	262	21	roa	roa	NOUN
ajfa-17362	262	22	of	of	ADP
ajfa-17362	262	23	the	the	DET
ajfa-17362	262	24	banks	bank	NOUN
ajfa-17362	262	25	.	.	PUNCT
ajfa-17362	263	1	since	since	SCONJ
ajfa-17362	263	2	the	the	DET
ajfa-17362	263	3	estimated	estimate	VERB
ajfa-17362	263	4	model	model	NOUN
ajfa-17362	263	5	in	in	ADP
ajfa-17362	263	6	table	table	NOUN
ajfa-17362	263	7	4.6	4.6	NUM
ajfa-17362	263	8	is	be	AUX
ajfa-17362	263	9	a	a	DET
ajfa-17362	263	10	semi	semi	ADJ
ajfa-17362	263	11	-	-	ADJ
ajfa-17362	263	12	log	log	ADJ
ajfa-17362	263	13	model	model	NOUN
ajfa-17362	263	14	,	,	PUNCT
ajfa-17362	263	15	that	that	PRON
ajfa-17362	263	16	is	be	AUX
ajfa-17362	263	17	a	a	DET
ajfa-17362	263	18	linear	linear	ADJ
ajfa-17362	263	19	-	-	PUNCT
ajfa-17362	263	20	log	log	NOUN
ajfa-17362	263	21	model	model	NOUN
ajfa-17362	263	22	,	,	PUNCT
ajfa-17362	263	23	evidence	evidence	NOUN
ajfa-17362	263	24	from	from	ADP
ajfa-17362	263	25	the	the	DET
ajfa-17362	263	26	estimates	estimate	NOUN
ajfa-17362	263	27	of	of	ADP
ajfa-17362	263	28	the	the	DET
ajfa-17362	263	29	independent	independent	ADJ
ajfa-17362	263	30	variables	variable	NOUN
ajfa-17362	263	31	reveals	reveal	VERB
ajfa-17362	263	32	that	that	SCONJ
ajfa-17362	263	33	a	a	DET
ajfa-17362	263	34	unit	unit	NOUN
ajfa-17362	263	35	increase	increase	NOUN
ajfa-17362	263	36	in	in	ADP
ajfa-17362	263	37	credit	credit	NOUN
ajfa-17362	263	38	risk	risk	NOUN
ajfa-17362	263	39	(	(	PUNCT
ajfa-17362	263	40	cr	cr	NOUN
ajfa-17362	263	41	)	)	PUNCT
ajfa-17362	263	42	will	will	AUX
ajfa-17362	263	43	lead	lead	VERB
ajfa-17362	263	44	to	to	ADP
ajfa-17362	263	45	0.099	0.099	NUM
ajfa-17362	263	46	unit	unit	NOUN
ajfa-17362	263	47	increase	increase	NOUN
ajfa-17362	263	48	in	in	ADP
ajfa-17362	263	49	roa	roa	NOUN
ajfa-17362	263	50	of	of	ADP
ajfa-17362	263	51	the	the	DET
ajfa-17362	263	52	banks	bank	NOUN
ajfa-17362	263	53	.	.	PUNCT
ajfa-17362	264	1	similarly	similarly	ADV
ajfa-17362	264	2	,	,	PUNCT
ajfa-17362	264	3	if	if	SCONJ
ajfa-17362	264	4	insolvency	insolvency	NOUN
ajfa-17362	264	5	risks	risk	NOUN
ajfa-17362	264	6	(	(	PUNCT
ajfa-17362	264	7	insr	insr	NOUN
ajfa-17362	264	8	)	)	PUNCT
ajfa-17362	264	9	increase	increase	NOUN
ajfa-17362	264	10	by	by	ADP
ajfa-17362	264	11	1	1	NUM
ajfa-17362	264	12	%	%	NOUN
ajfa-17362	264	13	,	,	PUNCT
ajfa-17362	264	14	it	it	PRON
ajfa-17362	264	15	will	will	AUX
ajfa-17362	264	16	cause	cause	VERB
ajfa-17362	264	17	about	about	ADP
ajfa-17362	264	18	5.37	5.37	NUM
ajfa-17362	264	19	unit	unit	NOUN
ajfa-17362	264	20	(	(	PUNCT
ajfa-17362	264	21	i.e.	i.e.	X
ajfa-17362	264	22	536.688/100	536.688/100	NUM
ajfa-17362	264	23	)	)	PUNCT
ajfa-17362	264	24	change	change	NOUN
ajfa-17362	264	25	in	in	ADP
ajfa-17362	264	26	the	the	DET
ajfa-17362	264	27	average	average	ADJ
ajfa-17362	264	28	value	value	NOUN
ajfa-17362	264	29	of	of	ADP
ajfa-17362	264	30	roa	roa	NOUN
ajfa-17362	264	31	for	for	ADP
ajfa-17362	264	32	the	the	DET
ajfa-17362	264	33	selected	select	VERB
ajfa-17362	264	34	dmbs	dmb	NOUN
ajfa-17362	264	35	in	in	ADP
ajfa-17362	264	36	nigeria	nigeria	PROPN
ajfa-17362	264	37	.	.	PUNCT
ajfa-17362	265	1	the	the	DET
ajfa-17362	265	2	coefficient	coefficient	NOUN
ajfa-17362	265	3	for	for	ADP
ajfa-17362	265	4	the	the	DET
ajfa-17362	265	5	value	value	NOUN
ajfa-17362	265	6	of	of	ADP
ajfa-17362	265	7	liquidity	liquidity	NOUN
ajfa-17362	265	8	risk	risk	NOUN
ajfa-17362	265	9	is	be	AUX
ajfa-17362	265	10	insignificant	insignificant	ADJ
ajfa-17362	265	11	;	;	PUNCT
ajfa-17362	265	12	however	however	ADV
ajfa-17362	265	13	,	,	PUNCT
ajfa-17362	265	14	it	it	PRON
ajfa-17362	265	15	reveals	reveal	VERB
ajfa-17362	265	16	that	that	SCONJ
ajfa-17362	265	17	a	a	DET
ajfa-17362	265	18	unit	unit	NOUN
ajfa-17362	265	19	increase	increase	NOUN
ajfa-17362	265	20	in	in	ADP
ajfa-17362	265	21	liquidity	liquidity	NOUN
ajfa-17362	265	22	risk	risk	NOUN
ajfa-17362	265	23	will	will	AUX
ajfa-17362	265	24	decrease	decrease	VERB
ajfa-17362	265	25	roa	roa	PROPN
ajfa-17362	265	26	of	of	ADP
ajfa-17362	265	27	the	the	DET
ajfa-17362	265	28	banks	bank	NOUN
ajfa-17362	265	29	by	by	ADP
ajfa-17362	265	30	0.0000013	0.0000013	NUM
ajfa-17362	265	31	units	unit	NOUN
ajfa-17362	265	32	.	.	PUNCT
ajfa-17362	266	1	it	it	PRON
ajfa-17362	266	2	is	be	AUX
ajfa-17362	266	3	only	only	ADV
ajfa-17362	266	4	credit	credit	NOUN
ajfa-17362	266	5	risk	risk	NOUN
ajfa-17362	266	6	(	(	PUNCT
ajfa-17362	266	7	cr	cr	NOUN
ajfa-17362	266	8	)	)	PUNCT
ajfa-17362	266	9	and	and	CCONJ
ajfa-17362	266	10	insolvency	insolvency	NOUN
ajfa-17362	266	11	risk	risk	NOUN
ajfa-17362	266	12	(	(	PUNCT
ajfa-17362	266	13	insr	insr	NOUN
ajfa-17362	266	14	)	)	PUNCT
ajfa-17362	266	15	that	that	PRON
ajfa-17362	266	16	showed	show	VERB
ajfa-17362	266	17	a	a	DET
ajfa-17362	266	18	positive	positive	ADJ
ajfa-17362	266	19	impact	impact	NOUN
ajfa-17362	266	20	on	on	ADP
ajfa-17362	266	21	roa	roa	PROPN
ajfa-17362	266	22	.	.	PUNCT
ajfa-17362	267	1	the	the	DET
ajfa-17362	267	2	overall	overall	ADJ
ajfa-17362	267	3	indication	indication	NOUN
ajfa-17362	267	4	from	from	ADP
ajfa-17362	267	5	the	the	DET
ajfa-17362	267	6	analysis	analysis	NOUN
ajfa-17362	267	7	above	above	ADV
ajfa-17362	267	8	,	,	PUNCT
ajfa-17362	267	9	therefore	therefore	ADV
ajfa-17362	267	10	,	,	PUNCT
ajfa-17362	267	11	shows	show	VERB
ajfa-17362	267	12	that	that	SCONJ
ajfa-17362	267	13	operational	operational	ADJ
ajfa-17362	267	14	risk	risk	NOUN
ajfa-17362	267	15	has	have	VERB
ajfa-17362	267	16	significant	significant	ADJ
ajfa-17362	267	17	positive	positive	ADJ
ajfa-17362	267	18	effects	effect	NOUN
ajfa-17362	267	19	on	on	ADP
ajfa-17362	267	20	equity	equity	NOUN
ajfa-17362	267	21	returns	return	NOUN
ajfa-17362	267	22	of	of	ADP
ajfa-17362	267	23	dmbs	dmb	NOUN
ajfa-17362	267	24	in	in	ADP
ajfa-17362	267	25	nigeria	nigeria	PROPN
ajfa-17362	267	26	.	.	PUNCT
ajfa-17362	268	1	model	model	PROPN
ajfa-17362	268	2	four	four	NUM
ajfa-17362	268	3	roait	roait	NOUN
ajfa-17362	268	4	=	=	PROPN
ajfa-17362	268	5	β0	β0	NOUN
ajfa-17362	268	6	+	+	NOUN
ajfa-17362	268	7	β1crit	β1crit	ADJ
ajfa-17362	268	8	+	+	CCONJ
ajfa-17362	268	9	β2loginsrit	β2loginsrit	NOUN
ajfa-17362	268	10	+	+	CCONJ
ajfa-17362	268	11	β3lqrit	β3lqrit	PRON
ajfa-17362	269	1	+	+	CCONJ
ajfa-17362	269	2	β4fsizeit	β4fsizeit	ADJ
ajfa-17362	269	3	+	+	NUM
ajfa-17362	269	4	ɛit	ɛit	NOUN
ajfa-17362	269	5	model	model	NOUN
ajfa-17362	269	6	4	4	NUM
ajfa-17362	269	7	roait	roait	NOUN
ajfa-17362	269	8	=	=	PUNCT
ajfa-17362	269	9	290.296	290.296	NUM
ajfa-17362	269	10	+	+	CCONJ
ajfa-17362	269	11	0.042crit	0.042crit	NOUN
ajfa-17362	270	1	+	+	CCONJ
ajfa-17362	270	2	524.610lognsrit	524.610lognsrit	NUM
ajfa-17362	270	3	–	–	PUNCT
ajfa-17362	270	4	0.013lqrit	0.013lqrit	NUM
ajfa-17362	270	5	148.914fsizeit	148.914fsizeit	NUM
ajfa-17362	270	6	model	model	NOUN
ajfa-17362	270	7	4	4	NUM
ajfa-17362	270	8	asian	asian	ADJ
ajfa-17362	270	9	journal	journal	NOUN
ajfa-17362	270	10	of	of	ADP
ajfa-17362	270	11	finance	finance	PROPN
ajfa-17362	270	12	&	&	CCONJ
ajfa-17362	270	13	accounting	accounting	PROPN
ajfa-17362	270	14	issn	issn	PROPN
ajfa-17362	270	15	1946	1946	NUM
ajfa-17362	270	16	-	-	PUNCT
ajfa-17362	270	17	052x	052x	NOUN
ajfa-17362	270	18	2020	2020	NUM
ajfa-17362	270	19	,	,	PUNCT
ajfa-17362	270	20	vol	vol	NOUN
ajfa-17362	270	21	.	.	PROPN
ajfa-17362	270	22	12	12	NUM
ajfa-17362	270	23	,	,	PUNCT
ajfa-17362	270	24	no	no	INTJ
ajfa-17362	270	25	.	.	NOUN
ajfa-17362	270	26	2	2	NUM
ajfa-17362	270	27	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	270	28	17	17	NUM
ajfa-17362	270	29	results	result	NOUN
ajfa-17362	270	30	in	in	ADP
ajfa-17362	270	31	panel	panel	NOUN
ajfa-17362	270	32	4	4	NUM
ajfa-17362	270	33	in	in	ADP
ajfa-17362	270	34	table	table	NOUN
ajfa-17362	270	35	4.6	4.6	NUM
ajfa-17362	270	36	implies	imply	VERB
ajfa-17362	270	37	that	that	SCONJ
ajfa-17362	270	38	the	the	DET
ajfa-17362	270	39	joint	joint	ADJ
ajfa-17362	270	40	f	f	NOUN
ajfa-17362	270	41	-	-	PUNCT
ajfa-17362	270	42	statistic	statistic	NOUN
ajfa-17362	270	43	that	that	PRON
ajfa-17362	270	44	measures	measure	VERB
ajfa-17362	270	45	the	the	DET
ajfa-17362	270	46	overall	overall	ADJ
ajfa-17362	270	47	significant	significant	NOUN
ajfa-17362	270	48	of	of	ADP
ajfa-17362	270	49	the	the	DET
ajfa-17362	270	50	explanatory	explanatory	ADJ
ajfa-17362	270	51	variables	variable	NOUN
ajfa-17362	270	52	is	be	AUX
ajfa-17362	270	53	13.678	13.678	NUM
ajfa-17362	270	54	with	with	ADP
ajfa-17362	270	55	p	p	NOUN
ajfa-17362	270	56	-	-	PUNCT
ajfa-17362	270	57	value	value	NOUN
ajfa-17362	270	58	=	=	NOUN
ajfa-17362	270	59	0.000	0.000	NUM
ajfa-17362	270	60	and	and	CCONJ
ajfa-17362	270	61	it	it	PRON
ajfa-17362	270	62	implies	imply	VERB
ajfa-17362	270	63	that	that	SCONJ
ajfa-17362	270	64	the	the	DET
ajfa-17362	270	65	indicators	indicator	NOUN
ajfa-17362	270	66	of	of	ADP
ajfa-17362	270	67	operational	operational	ADJ
ajfa-17362	270	68	risk	risk	NOUN
ajfa-17362	270	69	with	with	ADP
ajfa-17362	270	70	firm	firm	ADJ
ajfa-17362	270	71	size	size	NOUN
ajfa-17362	270	72	as	as	ADP
ajfa-17362	270	73	the	the	DET
ajfa-17362	270	74	control	control	NOUN
ajfa-17362	270	75	variable	variable	NOUN
ajfa-17362	270	76	are	be	AUX
ajfa-17362	270	77	jointly	jointly	ADV
ajfa-17362	270	78	significant	significant	ADJ
ajfa-17362	270	79	in	in	ADP
ajfa-17362	270	80	predicting	predict	VERB
ajfa-17362	270	81	return	return	NOUN
ajfa-17362	270	82	on	on	ADP
ajfa-17362	270	83	assets	asset	NOUN
ajfa-17362	270	84	(	(	PUNCT
ajfa-17362	270	85	roa	roa	NOUN
ajfa-17362	270	86	)	)	PUNCT
ajfa-17362	270	87	of	of	ADP
ajfa-17362	270	88	the	the	DET
ajfa-17362	270	89	banks	bank	NOUN
ajfa-17362	270	90	.	.	PUNCT
ajfa-17362	271	1	the	the	DET
ajfa-17362	271	2	adjusted	adjusted	ADJ
ajfa-17362	271	3	r	r	NOUN
ajfa-17362	271	4	-	-	PUNCT
ajfa-17362	271	5	square	square	ADJ
ajfa-17362	271	6	(	(	PUNCT
ajfa-17362	271	7	adjr2	adjr2	X
ajfa-17362	271	8	=	=	SYM
ajfa-17362	271	9	0.581	0.581	NUM
ajfa-17362	271	10	)	)	PUNCT
ajfa-17362	271	11	indicates	indicate	VERB
ajfa-17362	271	12	that	that	SCONJ
ajfa-17362	271	13	all	all	DET
ajfa-17362	271	14	the	the	DET
ajfa-17362	271	15	independent	independent	ADJ
ajfa-17362	271	16	variables	variable	NOUN
ajfa-17362	271	17	including	include	VERB
ajfa-17362	271	18	the	the	DET
ajfa-17362	271	19	control	control	NOUN
ajfa-17362	271	20	,	,	PUNCT
ajfa-17362	271	21	significantly	significantly	ADV
ajfa-17362	271	22	accounted	account	VERB
ajfa-17362	271	23	for	for	ADP
ajfa-17362	271	24	overall	overall	ADJ
ajfa-17362	271	25	58.1	58.1	NUM
ajfa-17362	271	26	%	%	NOUN
ajfa-17362	271	27	variation	variation	NOUN
ajfa-17362	271	28	in	in	ADP
ajfa-17362	271	29	roa	roa	PROPN
ajfa-17362	271	30	of	of	ADP
ajfa-17362	271	31	the	the	DET
ajfa-17362	271	32	selected	select	VERB
ajfa-17362	271	33	dmbs	dmb	NOUN
ajfa-17362	271	34	in	in	ADP
ajfa-17362	271	35	nigeria	nigeria	PROPN
ajfa-17362	271	36	.	.	PUNCT
ajfa-17362	272	1	with	with	ADP
ajfa-17362	272	2	reference	reference	NOUN
ajfa-17362	272	3	to	to	ADP
ajfa-17362	272	4	individual	individual	ADJ
ajfa-17362	272	5	performances	performance	NOUN
ajfa-17362	272	6	of	of	ADP
ajfa-17362	272	7	the	the	DET
ajfa-17362	272	8	regressors	regressor	NOUN
ajfa-17362	272	9	,	,	PUNCT
ajfa-17362	272	10	the	the	DET
ajfa-17362	272	11	results	result	NOUN
ajfa-17362	272	12	in	in	ADP
ajfa-17362	272	13	table	table	NOUN
ajfa-17362	272	14	4.6	4.6	NUM
ajfa-17362	272	15	with	with	ADP
ajfa-17362	272	16	the	the	DET
ajfa-17362	272	17	control	control	NOUN
ajfa-17362	272	18	exhume	exhume	VERB
ajfa-17362	272	19	that	that	SCONJ
ajfa-17362	272	20	at	at	ADP
ajfa-17362	272	21	a	a	DET
ajfa-17362	272	22	10	10	NUM
ajfa-17362	272	23	%	%	NOUN
ajfa-17362	272	24	level	level	NOUN
ajfa-17362	272	25	of	of	ADP
ajfa-17362	272	26	statistical	statistical	ADJ
ajfa-17362	272	27	significance	significance	NOUN
ajfa-17362	272	28	,	,	PUNCT
ajfa-17362	272	29	a	a	DET
ajfa-17362	272	30	unit	unit	NOUN
ajfa-17362	272	31	increase	increase	NOUN
ajfa-17362	272	32	in	in	ADP
ajfa-17362	272	33	cr	cr	PROPN
ajfa-17362	272	34	will	will	AUX
ajfa-17362	272	35	lead	lead	VERB
ajfa-17362	272	36	to	to	ADP
ajfa-17362	272	37	0.042	0.042	NUM
ajfa-17362	272	38	units	unit	NOUN
ajfa-17362	272	39	increase	increase	VERB
ajfa-17362	272	40	in	in	ADP
ajfa-17362	272	41	roa	roa	NOUN
ajfa-17362	272	42	of	of	ADP
ajfa-17362	272	43	the	the	DET
ajfa-17362	272	44	selected	select	VERB
ajfa-17362	272	45	banks	bank	NOUN
ajfa-17362	272	46	.	.	PUNCT
ajfa-17362	273	1	for	for	ADP
ajfa-17362	273	2	insolvency	insolvency	NOUN
ajfa-17362	273	3	risk	risk	NOUN
ajfa-17362	273	4	,	,	PUNCT
ajfa-17362	273	5	a	a	DET
ajfa-17362	273	6	1	1	NUM
ajfa-17362	273	7	%	%	NOUN
ajfa-17362	273	8	increase	increase	NOUN
ajfa-17362	273	9	in	in	ADP
ajfa-17362	273	10	the	the	DET
ajfa-17362	273	11	level	level	NOUN
ajfa-17362	273	12	of	of	ADP
ajfa-17362	273	13	insolvency	insolvency	NOUN
ajfa-17362	273	14	of	of	ADP
ajfa-17362	273	15	the	the	DET
ajfa-17362	273	16	banks	bank	NOUN
ajfa-17362	273	17	will	will	AUX
ajfa-17362	273	18	cause	cause	VERB
ajfa-17362	273	19	5.23	5.23	NUM
ajfa-17362	273	20	units	unit	NOUN
ajfa-17362	273	21	to	to	PART
ajfa-17362	273	22	rise	rise	VERB
ajfa-17362	273	23	in	in	ADP
ajfa-17362	273	24	the	the	DET
ajfa-17362	273	25	average	average	ADJ
ajfa-17362	273	26	value	value	NOUN
ajfa-17362	273	27	of	of	ADP
ajfa-17362	273	28	roa	roa	NOUN
ajfa-17362	273	29	of	of	ADP
ajfa-17362	273	30	the	the	DET
ajfa-17362	273	31	banks	bank	NOUN
ajfa-17362	273	32	.	.	PUNCT
ajfa-17362	274	1	again	again	ADV
ajfa-17362	274	2	,	,	PUNCT
ajfa-17362	274	3	the	the	DET
ajfa-17362	274	4	coefficient	coefficient	NOUN
ajfa-17362	274	5	for	for	ADP
ajfa-17362	274	6	liquidity	liquidity	NOUN
ajfa-17362	274	7	risk	risk	NOUN
ajfa-17362	274	8	is	be	AUX
ajfa-17362	274	9	not	not	PART
ajfa-17362	274	10	significant	significant	ADJ
ajfa-17362	274	11	,	,	PUNCT
ajfa-17362	274	12	but	but	CCONJ
ajfa-17362	274	13	it	it	PRON
ajfa-17362	274	14	potentially	potentially	ADV
ajfa-17362	274	15	shows	show	VERB
ajfa-17362	274	16	that	that	SCONJ
ajfa-17362	274	17	if	if	SCONJ
ajfa-17362	274	18	a	a	DET
ajfa-17362	274	19	unit	unit	NOUN
ajfa-17362	274	20	changes	change	VERB
ajfa-17362	274	21	in	in	ADP
ajfa-17362	274	22	lqr	lqr	NOUN
ajfa-17362	274	23	could	could	AUX
ajfa-17362	274	24	cause	cause	VERB
ajfa-17362	274	25	roa	roa	PROPN
ajfa-17362	274	26	to	to	PART
ajfa-17362	274	27	decrease	decrease	VERB
ajfa-17362	274	28	by	by	ADP
ajfa-17362	274	29	0.00023	0.00023	NUM
ajfa-17362	274	30	units	unit	NOUN
ajfa-17362	274	31	.	.	PUNCT
ajfa-17362	275	1	the	the	DET
ajfa-17362	275	2	control	control	NOUN
ajfa-17362	275	3	variable	variable	NOUN
ajfa-17362	275	4	,	,	PUNCT
ajfa-17362	275	5	firm	firm	ADJ
ajfa-17362	275	6	size	size	NOUN
ajfa-17362	275	7	(	(	PUNCT
ajfa-17362	275	8	fsize	fsize	NOUN
ajfa-17362	275	9	)	)	PUNCT
ajfa-17362	275	10	proves	prove	VERB
ajfa-17362	275	11	to	to	PART
ajfa-17362	275	12	be	be	AUX
ajfa-17362	275	13	statistically	statistically	ADV
ajfa-17362	275	14	significant	significant	ADJ
ajfa-17362	275	15	as	as	ADP
ajfa-17362	275	16	a	a	DET
ajfa-17362	275	17	determinant	determinant	NOUN
ajfa-17362	275	18	of	of	ADP
ajfa-17362	275	19	the	the	DET
ajfa-17362	275	20	financial	financial	ADJ
ajfa-17362	275	21	performance	performance	NOUN
ajfa-17362	275	22	of	of	ADP
ajfa-17362	275	23	the	the	DET
ajfa-17362	275	24	selected	select	VERB
ajfa-17362	275	25	dmbs	dmb	NOUN
ajfa-17362	275	26	in	in	ADP
ajfa-17362	275	27	nigeria	nigeria	PROPN
ajfa-17362	275	28	.	.	PUNCT
ajfa-17362	276	1	in	in	ADP
ajfa-17362	276	2	this	this	DET
ajfa-17362	276	3	case	case	NOUN
ajfa-17362	276	4	,	,	PUNCT
ajfa-17362	276	5	the	the	DET
ajfa-17362	276	6	result	result	NOUN
ajfa-17362	276	7	indicates	indicate	VERB
ajfa-17362	276	8	that	that	SCONJ
ajfa-17362	276	9	a	a	DET
ajfa-17362	276	10	unit	unit	NOUN
ajfa-17362	276	11	increase	increase	NOUN
ajfa-17362	276	12	in	in	ADP
ajfa-17362	276	13	firm	firm	ADJ
ajfa-17362	276	14	size	size	NOUN
ajfa-17362	276	15	will	will	AUX
ajfa-17362	276	16	decrease	decrease	VERB
ajfa-17362	276	17	roa	roa	PROPN
ajfa-17362	276	18	of	of	ADP
ajfa-17362	276	19	the	the	DET
ajfa-17362	276	20	banks	bank	NOUN
ajfa-17362	276	21	by	by	ADP
ajfa-17362	276	22	149	149	NUM
ajfa-17362	276	23	units	unit	NOUN
ajfa-17362	276	24	,	,	PUNCT
ajfa-17362	276	25	approximately	approximately	ADV
ajfa-17362	276	26	.	.	PUNCT
ajfa-17362	277	1	this	this	DET
ajfa-17362	277	2	result	result	NOUN
ajfa-17362	277	3	suggests	suggest	VERB
ajfa-17362	277	4	that	that	SCONJ
ajfa-17362	277	5	increase	increase	NOUN
ajfa-17362	277	6	in	in	ADP
ajfa-17362	277	7	firm	firm	ADJ
ajfa-17362	277	8	size	size	NOUN
ajfa-17362	277	9	,	,	PUNCT
ajfa-17362	277	10	which	which	PRON
ajfa-17362	277	11	is	be	AUX
ajfa-17362	277	12	measured	measure	VERB
ajfa-17362	277	13	as	as	ADP
ajfa-17362	277	14	a	a	DET
ajfa-17362	277	15	logarithmic	logarithmic	ADJ
ajfa-17362	277	16	transformed	transform	VERB
ajfa-17362	277	17	value	value	NOUN
ajfa-17362	277	18	of	of	ADP
ajfa-17362	277	19	total	total	ADJ
ajfa-17362	277	20	assets	asset	NOUN
ajfa-17362	277	21	without	without	ADP
ajfa-17362	277	22	a	a	DET
ajfa-17362	277	23	significant	significant	ADJ
ajfa-17362	277	24	corresponding	corresponding	ADJ
ajfa-17362	277	25	rise	rise	NOUN
ajfa-17362	277	26	in	in	ADP
ajfa-17362	277	27	gross	gross	ADJ
ajfa-17362	277	28	earnings	earning	NOUN
ajfa-17362	277	29	,	,	PUNCT
ajfa-17362	277	30	will	will	AUX
ajfa-17362	277	31	decrease	decrease	VERB
ajfa-17362	277	32	the	the	DET
ajfa-17362	277	33	roa	roa	NOUN
ajfa-17362	277	34	of	of	ADP
ajfa-17362	277	35	the	the	DET
ajfa-17362	277	36	banks	bank	NOUN
ajfa-17362	277	37	.	.	PUNCT
ajfa-17362	278	1	therefore	therefore	ADV
ajfa-17362	278	2	an	an	DET
ajfa-17362	278	3	augmented	augmented	ADJ
ajfa-17362	278	4	model	model	NOUN
ajfa-17362	278	5	of	of	ADP
ajfa-17362	278	6	operational	operational	ADJ
ajfa-17362	278	7	risk	risk	NOUN
ajfa-17362	278	8	impact	impact	NOUN
ajfa-17362	278	9	on	on	ADP
ajfa-17362	278	10	banks	bank	NOUN
ajfa-17362	278	11	equity	equity	NOUN
ajfa-17362	278	12	returns	return	NOUN
ajfa-17362	278	13	with	with	ADP
ajfa-17362	278	14	firm	firm	ADJ
ajfa-17362	278	15	size	size	NOUN
ajfa-17362	278	16	as	as	ADP
ajfa-17362	278	17	a	a	DET
ajfa-17362	278	18	control	control	NOUN
ajfa-17362	278	19	variable	variable	NOUN
ajfa-17362	278	20	is	be	AUX
ajfa-17362	278	21	significantly	significantly	ADV
ajfa-17362	278	22	robust	robust	ADJ
ajfa-17362	278	23	.	.	PUNCT
ajfa-17362	279	1	discussion	discussion	NOUN
ajfa-17362	279	2	of	of	ADP
ajfa-17362	279	3	findings	finding	NOUN
ajfa-17362	279	4	(	(	PUNCT
ajfa-17362	279	5	model	model	NOUN
ajfa-17362	279	6	3	3	NUM
ajfa-17362	279	7	&	&	CCONJ
ajfa-17362	279	8	4	4	NUM
ajfa-17362	279	9	)	)	PUNCT
ajfa-17362	279	10	the	the	DET
ajfa-17362	279	11	findings	finding	NOUN
ajfa-17362	279	12	from	from	ADP
ajfa-17362	279	13	the	the	DET
ajfa-17362	279	14	regression	regression	NOUN
ajfa-17362	279	15	result	result	NOUN
ajfa-17362	279	16	in	in	ADP
ajfa-17362	279	17	table	table	NOUN
ajfa-17362	279	18	4.6	4.6	NUM
ajfa-17362	279	19	reveal	reveal	VERB
ajfa-17362	279	20	that	that	SCONJ
ajfa-17362	279	21	negative	negative	ADJ
ajfa-17362	279	22	relationships	relationship	NOUN
ajfa-17362	279	23	exist	exist	VERB
ajfa-17362	279	24	between	between	ADP
ajfa-17362	279	25	credit	credit	NOUN
ajfa-17362	279	26	risks	risk	NOUN
ajfa-17362	279	27	(	(	PUNCT
ajfa-17362	279	28	cr	cr	NOUN
ajfa-17362	279	29	)	)	PUNCT
ajfa-17362	279	30	and	and	CCONJ
ajfa-17362	279	31	return	return	VERB
ajfa-17362	279	32	on	on	ADP
ajfa-17362	279	33	equity	equity	NOUN
ajfa-17362	279	34	(	(	PUNCT
ajfa-17362	279	35	roe	roe	PROPN
ajfa-17362	279	36	)	)	PUNCT
ajfa-17362	279	37	of	of	ADP
ajfa-17362	279	38	the	the	DET
ajfa-17362	279	39	banks	bank	NOUN
ajfa-17362	279	40	,	,	PUNCT
ajfa-17362	279	41	and	and	CCONJ
ajfa-17362	279	42	liquidity	liquidity	NOUN
ajfa-17362	279	43	risk	risk	NOUN
ajfa-17362	279	44	(	(	PUNCT
ajfa-17362	279	45	lqr	lqr	PROPN
ajfa-17362	279	46	)	)	PUNCT
ajfa-17362	279	47	and	and	CCONJ
ajfa-17362	279	48	roe	roe	PROPN
ajfa-17362	279	49	in	in	ADP
ajfa-17362	279	50	panel	panel	NOUN
ajfa-17362	279	51	3	3	NUM
ajfa-17362	279	52	.	.	PUNCT
ajfa-17362	280	1	in	in	ADP
ajfa-17362	280	2	the	the	DET
ajfa-17362	280	3	same	same	ADJ
ajfa-17362	280	4	fashion	fashion	NOUN
ajfa-17362	280	5	,	,	PUNCT
ajfa-17362	280	6	cr	cr	PROPN
ajfa-17362	280	7	,	,	PUNCT
ajfa-17362	280	8	insr	insr	NOUN
ajfa-17362	280	9	and	and	CCONJ
ajfa-17362	280	10	lqr	lqr	NOUN
ajfa-17362	280	11	portrayed	portray	VERB
ajfa-17362	280	12	negative	negative	ADJ
ajfa-17362	280	13	impacts	impact	NOUN
ajfa-17362	280	14	on	on	ADP
ajfa-17362	280	15	net	net	ADJ
ajfa-17362	280	16	profit	profit	NOUN
ajfa-17362	280	17	margin	margin	NOUN
ajfa-17362	280	18	of	of	ADP
ajfa-17362	280	19	the	the	DET
ajfa-17362	280	20	banks	bank	NOUN
ajfa-17362	280	21	in	in	ADP
ajfa-17362	280	22	the	the	DET
ajfa-17362	280	23	fixed	fixed	ADJ
ajfa-17362	280	24	effect	effect	NOUN
ajfa-17362	280	25	model	model	NOUN
ajfa-17362	280	26	with	with	ADP
ajfa-17362	280	27	a	a	DET
ajfa-17362	280	28	control	control	NOUN
ajfa-17362	280	29	variable	variable	NOUN
ajfa-17362	280	30	in	in	ADP
ajfa-17362	280	31	panel	panel	NOUN
ajfa-17362	280	32	6	6	NUM
ajfa-17362	280	33	.	.	PUNCT
ajfa-17362	281	1	this	this	DET
ajfa-17362	281	2	result	result	NOUN
ajfa-17362	281	3	is	be	AUX
ajfa-17362	281	4	consistent	consistent	ADJ
ajfa-17362	281	5	with	with	ADP
ajfa-17362	281	6	the	the	DET
ajfa-17362	281	7	findings	finding	NOUN
ajfa-17362	281	8	of	of	ADP
ajfa-17362	281	9	sempabwa	sempabwa	NOUN
ajfa-17362	281	10	and	and	CCONJ
ajfa-17362	281	11	kariuk	kariuk	NOUN
ajfa-17362	281	12	(	(	PUNCT
ajfa-17362	281	13	2017	2017	NUM
ajfa-17362	281	14	)	)	PUNCT
ajfa-17362	281	15	who	who	PRON
ajfa-17362	281	16	found	find	VERB
ajfa-17362	281	17	in	in	ADP
ajfa-17362	281	18	their	their	PRON
ajfa-17362	281	19	study	study	NOUN
ajfa-17362	281	20	on	on	ADP
ajfa-17362	281	21	rwandan	rwandan	ADJ
ajfa-17362	281	22	enterprise	enterprise	NOUN
ajfa-17362	281	23	risk	risk	NOUN
ajfa-17362	281	24	management	management	NOUN
ajfa-17362	281	25	practices	practice	NOUN
ajfa-17362	281	26	and	and	CCONJ
ajfa-17362	281	27	financial	financial	ADJ
ajfa-17362	281	28	performance	performance	NOUN
ajfa-17362	281	29	of	of	ADP
ajfa-17362	281	30	deposit	deposit	NOUN
ajfa-17362	281	31	money	money	NOUN
ajfa-17362	281	32	banks	bank	NOUN
ajfa-17362	281	33	with	with	ADP
ajfa-17362	281	34	simple	simple	ADJ
ajfa-17362	281	35	regression	regression	NOUN
ajfa-17362	281	36	analyses	analysis	NOUN
ajfa-17362	281	37	,	,	PUNCT
ajfa-17362	281	38	that	that	PRON
ajfa-17362	281	39	credit	credit	NOUN
ajfa-17362	281	40	risk	risk	NOUN
ajfa-17362	281	41	management	management	NOUN
ajfa-17362	281	42	had	have	VERB
ajfa-17362	281	43	a	a	DET
ajfa-17362	281	44	positive	positive	ADJ
ajfa-17362	281	45	influence	influence	NOUN
ajfa-17362	281	46	on	on	ADP
ajfa-17362	281	47	the	the	DET
ajfa-17362	281	48	financial	financial	ADJ
ajfa-17362	281	49	performance	performance	NOUN
ajfa-17362	281	50	of	of	ADP
ajfa-17362	281	51	rwandan	rwandan	PROPN
ajfa-17362	281	52	’s	’s	PART
ajfa-17362	281	53	deposit	deposit	NOUN
ajfa-17362	281	54	money	money	NOUN
ajfa-17362	281	55	banks	bank	NOUN
ajfa-17362	281	56	.	.	PUNCT
ajfa-17362	282	1	also	also	ADV
ajfa-17362	282	2	,	,	PUNCT
ajfa-17362	282	3	arnet	arnet	PROPN
ajfa-17362	282	4	,	,	PUNCT
ajfa-17362	282	5	gregory	gregory	PROPN
ajfa-17362	282	6	and	and	CCONJ
ajfa-17362	282	7	maurice	maurice	PROPN
ajfa-17362	282	8	(	(	PUNCT
ajfa-17362	282	9	2016	2016	NUM
ajfa-17362	282	10	)	)	PUNCT
ajfa-17362	282	11	who	who	PRON
ajfa-17362	282	12	studied	study	VERB
ajfa-17362	282	13	the	the	DET
ajfa-17362	282	14	effect	effect	NOUN
ajfa-17362	282	15	of	of	ADP
ajfa-17362	282	16	risk	risk	NOUN
ajfa-17362	282	17	management	management	NOUN
ajfa-17362	282	18	practices	practice	NOUN
ajfa-17362	282	19	on	on	ADP
ajfa-17362	282	20	the	the	DET
ajfa-17362	282	21	financial	financial	ADJ
ajfa-17362	282	22	performance	performance	NOUN
ajfa-17362	282	23	of	of	ADP
ajfa-17362	282	24	dmbs	dmb	NOUN
ajfa-17362	282	25	in	in	ADP
ajfa-17362	282	26	kenya	kenya	PROPN
ajfa-17362	282	27	although	although	SCONJ
ajfa-17362	282	28	a	a	DET
ajfa-17362	282	29	positive	positive	ADJ
ajfa-17362	282	30	statistically	statistically	ADV
ajfa-17362	282	31	significant	significant	ADJ
ajfa-17362	282	32	relationship	relationship	NOUN
ajfa-17362	282	33	between	between	ADP
ajfa-17362	282	34	risk	risk	NOUN
ajfa-17362	282	35	management	management	NOUN
ajfa-17362	282	36	practices	practice	NOUN
ajfa-17362	282	37	and	and	CCONJ
ajfa-17362	282	38	financial	financial	ADJ
ajfa-17362	282	39	performance	performance	NOUN
ajfa-17362	282	40	of	of	ADP
ajfa-17362	282	41	dmbs	dmb	NOUN
ajfa-17362	282	42	in	in	ADP
ajfa-17362	282	43	kenya	kenya	PROPN
ajfa-17362	282	44	was	be	AUX
ajfa-17362	282	45	established	establish	VERB
ajfa-17362	282	46	.	.	PUNCT
ajfa-17362	283	1	the	the	DET
ajfa-17362	283	2	result	result	NOUN
ajfa-17362	283	3	found	find	VERB
ajfa-17362	283	4	which	which	PRON
ajfa-17362	283	5	was	be	AUX
ajfa-17362	283	6	found	find	VERB
ajfa-17362	283	7	in	in	ADP
ajfa-17362	283	8	this	this	DET
ajfa-17362	283	9	study	study	NOUN
ajfa-17362	283	10	for	for	ADP
ajfa-17362	283	11	hypothesis	hypothesis	NOUN
ajfa-17362	283	12	three	three	NUM
ajfa-17362	283	13	corroborates	corroborate	VERB
ajfa-17362	283	14	with	with	ADP
ajfa-17362	283	15	the	the	DET
ajfa-17362	283	16	findings	finding	NOUN
ajfa-17362	283	17	of	of	ADP
ajfa-17362	283	18	other	other	ADJ
ajfa-17362	283	19	authors	author	NOUN
ajfa-17362	283	20	such	such	ADJ
ajfa-17362	283	21	as	as	ADP
ajfa-17362	283	22	nurlida	nurlida	PROPN
ajfa-17362	283	23	(	(	PUNCT
ajfa-17362	283	24	2017	2017	NUM
ajfa-17362	283	25	)	)	PUNCT
ajfa-17362	283	26	who	who	PRON
ajfa-17362	283	27	conducted	conduct	VERB
ajfa-17362	283	28	a	a	DET
ajfa-17362	283	29	study	study	NOUN
ajfa-17362	283	30	on	on	ADP
ajfa-17362	283	31	operational	operational	ADJ
ajfa-17362	283	32	risks	risk	NOUN
ajfa-17362	283	33	in	in	ADP
ajfa-17362	283	34	malaysia	malaysia	PROPN
ajfa-17362	283	35	.	.	PUNCT
ajfa-17362	284	1	by	by	ADP
ajfa-17362	284	2	employing	employ	VERB
ajfa-17362	284	3	credit	credit	NOUN
ajfa-17362	284	4	risk	risk	NOUN
ajfa-17362	284	5	ratio	ratio	NOUN
ajfa-17362	284	6	,	,	PUNCT
ajfa-17362	284	7	liquidity	liquidity	NOUN
ajfa-17362	284	8	ratio	ratio	NOUN
ajfa-17362	284	9	,	,	PUNCT
ajfa-17362	284	10	operational	operational	ADJ
ajfa-17362	284	11	risk	risk	NOUN
ajfa-17362	284	12	ratio	ratio	NOUN
ajfa-17362	284	13	,	,	PUNCT
ajfa-17362	284	14	and	and	CCONJ
ajfa-17362	284	15	performance	performance	NOUN
ajfa-17362	284	16	indicators	indicator	NOUN
ajfa-17362	284	17	of	of	ADP
ajfa-17362	284	18	return	return	NOUN
ajfa-17362	284	19	on	on	ADP
ajfa-17362	284	20	asset	asset	NOUN
ajfa-17362	284	21	ratio	ratio	NOUN
ajfa-17362	284	22	,	,	PUNCT
ajfa-17362	284	23	return	return	VERB
ajfa-17362	284	24	on	on	ADP
ajfa-17362	284	25	equity	equity	NOUN
ajfa-17362	284	26	ratio	ratio	NOUN
ajfa-17362	284	27	,	,	PUNCT
ajfa-17362	284	28	net	net	ADJ
ajfa-17362	284	29	interest	interest	NOUN
ajfa-17362	284	30	margin	margin	NOUN
ajfa-17362	284	31	as	as	SCONJ
ajfa-17362	284	32	was	be	AUX
ajfa-17362	284	33	used	use	VERB
ajfa-17362	284	34	for	for	ADP
ajfa-17362	284	35	a	a	DET
ajfa-17362	284	36	period	period	NOUN
ajfa-17362	284	37	of	of	ADP
ajfa-17362	284	38	5	5	NUM
ajfa-17362	284	39	years	year	NOUN
ajfa-17362	284	40	(	(	PUNCT
ajfa-17362	284	41	2011	2011	NUM
ajfa-17362	284	42	-	-	SYM
ajfa-17362	284	43	2015	2015	NUM
ajfa-17362	284	44	)	)	PUNCT
ajfa-17362	284	45	,	,	PUNCT
ajfa-17362	284	46	this	this	DET
ajfa-17362	284	47	author	author	NOUN
ajfa-17362	284	48	found	find	VERB
ajfa-17362	284	49	that	that	SCONJ
ajfa-17362	284	50	risk	risk	NOUN
ajfa-17362	284	51	management	management	NOUN
ajfa-17362	284	52	positively	positively	ADV
ajfa-17362	284	53	affected	affect	VERB
ajfa-17362	284	54	performance	performance	NOUN
ajfa-17362	284	55	of	of	ADP
ajfa-17362	284	56	dmbs	dmb	NOUN
ajfa-17362	284	57	in	in	ADP
ajfa-17362	284	58	malaysia	malaysia	PROPN
ajfa-17362	284	59	.	.	PUNCT
ajfa-17362	285	1	asian	asian	PROPN
ajfa-17362	285	2	journal	journal	PROPN
ajfa-17362	285	3	of	of	ADP
ajfa-17362	285	4	finance	finance	PROPN
ajfa-17362	285	5	&	&	CCONJ
ajfa-17362	285	6	accounting	accounting	PROPN
ajfa-17362	285	7	issn	issn	PROPN
ajfa-17362	285	8	1946	1946	NUM
ajfa-17362	285	9	-	-	PUNCT
ajfa-17362	285	10	052x	052x	NOUN
ajfa-17362	285	11	2020	2020	NUM
ajfa-17362	285	12	,	,	PUNCT
ajfa-17362	285	13	vol	vol	NOUN
ajfa-17362	285	14	.	.	PROPN
ajfa-17362	285	15	12	12	NUM
ajfa-17362	285	16	,	,	PUNCT
ajfa-17362	285	17	no	no	INTJ
ajfa-17362	285	18	.	.	NOUN
ajfa-17362	285	19	2	2	NUM
ajfa-17362	285	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	285	21	18	18	NUM
ajfa-17362	285	22	5	5	NUM
ajfa-17362	285	23	.	.	PUNCT
ajfa-17362	286	1	conclusion	conclusion	NOUN
ajfa-17362	286	2	,	,	PUNCT
ajfa-17362	286	3	recommendations	recommendation	NOUN
ajfa-17362	286	4	and	and	CCONJ
ajfa-17362	286	5	contribution	contribution	NOUN
ajfa-17362	286	6	to	to	PART
ajfa-17362	286	7	knowledge	knowledge	VERB
ajfa-17362	286	8	5.1	5.1	NUM
ajfa-17362	286	9	conclusion	conclusion	NOUN
ajfa-17362	286	10	this	this	DET
ajfa-17362	286	11	study	study	NOUN
ajfa-17362	286	12	examined	examine	VERB
ajfa-17362	286	13	the	the	DET
ajfa-17362	286	14	effect	effect	NOUN
ajfa-17362	286	15	of	of	ADP
ajfa-17362	286	16	operational	operational	ADJ
ajfa-17362	286	17	risk	risk	NOUN
ajfa-17362	286	18	on	on	ADP
ajfa-17362	286	19	equity	equity	NOUN
ajfa-17362	286	20	returns	return	NOUN
ajfa-17362	286	21	,	,	PUNCT
ajfa-17362	286	22	applying	apply	VERB
ajfa-17362	286	23	dynamic	dynamic	ADJ
ajfa-17362	286	24	and	and	CCONJ
ajfa-17362	286	25	static	static	ADJ
ajfa-17362	286	26	panel	panel	NOUN
ajfa-17362	286	27	data	datum	NOUN
ajfa-17362	286	28	analysis	analysis	NOUN
ajfa-17362	286	29	.	.	PUNCT
ajfa-17362	287	1	the	the	DET
ajfa-17362	287	2	study	study	NOUN
ajfa-17362	287	3	formulated	formulate	VERB
ajfa-17362	287	4	and	and	CCONJ
ajfa-17362	287	5	tested	test	VERB
ajfa-17362	287	6	four	four	NUM
ajfa-17362	287	7	models	model	NOUN
ajfa-17362	287	8	of	of	ADP
ajfa-17362	287	9	the	the	DET
ajfa-17362	287	10	effect	effect	NOUN
ajfa-17362	287	11	of	of	ADP
ajfa-17362	287	12	operational	operational	ADJ
ajfa-17362	287	13	risk	risk	NOUN
ajfa-17362	287	14	on	on	ADP
ajfa-17362	287	15	net	net	ADJ
ajfa-17362	287	16	profit	profit	NOUN
ajfa-17362	287	17	margin	margin	NOUN
ajfa-17362	287	18	for	for	ADP
ajfa-17362	287	19	model	model	NOUN
ajfa-17362	287	20	1	1	NUM
ajfa-17362	287	21	,	,	PUNCT
ajfa-17362	287	22	and	and	CCONJ
ajfa-17362	287	23	the	the	DET
ajfa-17362	287	24	effect	effect	NOUN
ajfa-17362	287	25	of	of	ADP
ajfa-17362	287	26	operational	operational	ADJ
ajfa-17362	287	27	risk	risk	NOUN
ajfa-17362	287	28	on	on	ADP
ajfa-17362	287	29	return	return	NOUN
ajfa-17362	287	30	on	on	ADP
ajfa-17362	287	31	assets	asset	NOUN
ajfa-17362	287	32	for	for	ADP
ajfa-17362	287	33	model	model	NOUN
ajfa-17362	287	34	2	2	NUM
ajfa-17362	287	35	.	.	PUNCT
ajfa-17362	288	1	the	the	DET
ajfa-17362	288	2	control	control	NOUN
ajfa-17362	288	3	variable	variable	NOUN
ajfa-17362	288	4	of	of	ADP
ajfa-17362	288	5	firm	firm	ADJ
ajfa-17362	288	6	size	size	NOUN
ajfa-17362	288	7	was	be	AUX
ajfa-17362	288	8	introduced	introduce	VERB
ajfa-17362	288	9	to	to	ADP
ajfa-17362	288	10	each	each	PRON
ajfa-17362	288	11	of	of	ADP
ajfa-17362	288	12	the	the	DET
ajfa-17362	288	13	models	model	NOUN
ajfa-17362	288	14	for	for	ADP
ajfa-17362	288	15	models	model	NOUN
ajfa-17362	288	16	3	3	NUM
ajfa-17362	288	17	and	and	CCONJ
ajfa-17362	288	18	4	4	NUM
ajfa-17362	288	19	.	.	PUNCT
ajfa-17362	289	1	the	the	DET
ajfa-17362	289	2	aim	aim	NOUN
ajfa-17362	289	3	was	be	AUX
ajfa-17362	289	4	to	to	PART
ajfa-17362	289	5	determine	determine	VERB
ajfa-17362	289	6	the	the	DET
ajfa-17362	289	7	reaction	reaction	NOUN
ajfa-17362	289	8	of	of	ADP
ajfa-17362	289	9	the	the	DET
ajfa-17362	289	10	models	model	NOUN
ajfa-17362	289	11	.	.	PUNCT
ajfa-17362	290	1	the	the	DET
ajfa-17362	290	2	results	result	NOUN
ajfa-17362	290	3	revealed	reveal	VERB
ajfa-17362	290	4	that	that	SCONJ
ajfa-17362	290	5	operational	operational	ADJ
ajfa-17362	290	6	risk	risk	NOUN
ajfa-17362	290	7	had	have	VERB
ajfa-17362	290	8	a	a	DET
ajfa-17362	290	9	statistically	statistically	ADV
ajfa-17362	290	10	positive	positive	ADJ
ajfa-17362	290	11	significant	significant	ADJ
ajfa-17362	290	12	effect	effect	NOUN
ajfa-17362	290	13	on	on	ADP
ajfa-17362	290	14	return	return	NOUN
ajfa-17362	290	15	on	on	ADP
ajfa-17362	290	16	equity	equity	NOUN
ajfa-17362	290	17	in	in	ADP
ajfa-17362	290	18	model	model	NOUN
ajfa-17362	290	19	1	1	NUM
ajfa-17362	290	20	,	,	PUNCT
ajfa-17362	290	21	while	while	SCONJ
ajfa-17362	290	22	operational	operational	ADJ
ajfa-17362	290	23	risk	risk	NOUN
ajfa-17362	290	24	exerted	exert	VERB
ajfa-17362	290	25	positive	positive	ADJ
ajfa-17362	290	26	statistical	statistical	ADJ
ajfa-17362	290	27	effect	effect	NOUN
ajfa-17362	290	28	also	also	ADV
ajfa-17362	290	29	on	on	ADP
ajfa-17362	290	30	return	return	NOUN
ajfa-17362	290	31	on	on	ADP
ajfa-17362	290	32	assets	asset	NOUN
ajfa-17362	290	33	.	.	PUNCT
ajfa-17362	291	1	the	the	DET
ajfa-17362	291	2	control	control	NOUN
ajfa-17362	291	3	variable	variable	NOUN
ajfa-17362	291	4	on	on	ADP
ajfa-17362	291	5	each	each	PRON
ajfa-17362	291	6	of	of	ADP
ajfa-17362	291	7	the	the	DET
ajfa-17362	291	8	models	model	NOUN
ajfa-17362	291	9	revealed	reveal	VERB
ajfa-17362	291	10	operational	operational	ADJ
ajfa-17362	291	11	risk	risk	NOUN
ajfa-17362	291	12	with	with	ADP
ajfa-17362	291	13	firm	firm	ADJ
ajfa-17362	291	14	size	size	NOUN
ajfa-17362	291	15	exhibited	exhibit	VERB
ajfa-17362	291	16	statistical	statistical	ADJ
ajfa-17362	291	17	positive	positive	ADJ
ajfa-17362	291	18	significance	significance	NOUN
ajfa-17362	291	19	on	on	ADP
ajfa-17362	291	20	each	each	PRON
ajfa-17362	291	21	of	of	ADP
ajfa-17362	291	22	the	the	DET
ajfa-17362	291	23	return	return	NOUN
ajfa-17362	291	24	on	on	ADP
ajfa-17362	291	25	equity	equity	NOUN
ajfa-17362	291	26	and	and	CCONJ
ajfa-17362	291	27	return	return	VERB
ajfa-17362	291	28	on	on	ADP
ajfa-17362	291	29	assets	asset	NOUN
ajfa-17362	291	30	.	.	PUNCT
ajfa-17362	292	1	conclusively	conclusively	ADV
ajfa-17362	292	2	,	,	PUNCT
ajfa-17362	292	3	the	the	DET
ajfa-17362	292	4	study	study	NOUN
ajfa-17362	292	5	affirms	affirm	VERB
ajfa-17362	292	6	that	that	SCONJ
ajfa-17362	292	7	equity	equity	NOUN
ajfa-17362	292	8	returns	return	NOUN
ajfa-17362	292	9	were	be	AUX
ajfa-17362	292	10	statistically	statistically	ADV
ajfa-17362	292	11	affected	affect	VERB
ajfa-17362	292	12	by	by	ADP
ajfa-17362	292	13	operational	operational	ADJ
ajfa-17362	292	14	risk	risk	NOUN
ajfa-17362	292	15	in	in	ADP
ajfa-17362	292	16	nigeria	nigeria	PROPN
ajfa-17362	292	17	.	.	PUNCT
ajfa-17362	293	1	5.2	5.2	NUM
ajfa-17362	293	2	recommendations	recommendation	NOUN
ajfa-17362	293	3	and	and	CCONJ
ajfa-17362	293	4	contribution	contribution	NOUN
ajfa-17362	293	5	to	to	PART
ajfa-17362	293	6	knowledge	knowledge	VERB
ajfa-17362	293	7	the	the	DET
ajfa-17362	293	8	study	study	NOUN
ajfa-17362	293	9	recommends	recommend	VERB
ajfa-17362	293	10	that	that	SCONJ
ajfa-17362	293	11	dmbs	dmb	NOUN
ajfa-17362	293	12	managers	manager	NOUN
ajfa-17362	293	13	should	should	AUX
ajfa-17362	293	14	carefully	carefully	ADV
ajfa-17362	293	15	carry	carry	VERB
ajfa-17362	293	16	out	out	ADP
ajfa-17362	293	17	due	due	ADJ
ajfa-17362	293	18	diligence	diligence	NOUN
ajfa-17362	293	19	on	on	ADP
ajfa-17362	293	20	loan	loan	NOUN
ajfa-17362	293	21	applicants	applicant	NOUN
ajfa-17362	293	22	,	,	PUNCT
ajfa-17362	293	23	to	to	PART
ajfa-17362	293	24	ascertain	ascertain	VERB
ajfa-17362	293	25	performance	performance	NOUN
ajfa-17362	293	26	trend	trend	NOUN
ajfa-17362	293	27	and	and	CCONJ
ajfa-17362	293	28	creditworthiness	creditworthiness	NOUN
ajfa-17362	293	29	of	of	ADP
ajfa-17362	293	30	potential	potential	ADJ
ajfa-17362	293	31	and	and	CCONJ
ajfa-17362	293	32	prospective	prospective	ADJ
ajfa-17362	293	33	borrowers	borrower	NOUN
ajfa-17362	293	34	before	before	ADP
ajfa-17362	293	35	advancing	advance	VERB
ajfa-17362	293	36	loans	loan	NOUN
ajfa-17362	293	37	in	in	ADP
ajfa-17362	293	38	order	order	NOUN
ajfa-17362	293	39	to	to	PART
ajfa-17362	293	40	reduce	reduce	VERB
ajfa-17362	293	41	huge	huge	ADJ
ajfa-17362	293	42	profiles	profile	NOUN
ajfa-17362	293	43	of	of	ADP
ajfa-17362	293	44	credit	credit	NOUN
ajfa-17362	293	45	risk	risk	NOUN
ajfa-17362	293	46	exposures	exposure	NOUN
ajfa-17362	293	47	.	.	PUNCT
ajfa-17362	294	1	operational	operational	ADJ
ajfa-17362	294	2	competence	competence	NOUN
ajfa-17362	294	3	and	and	CCONJ
ajfa-17362	294	4	recruitment	recruitment	NOUN
ajfa-17362	294	5	procedure	procedure	NOUN
ajfa-17362	294	6	are	be	AUX
ajfa-17362	294	7	critical	critical	ADJ
ajfa-17362	294	8	for	for	ADP
ajfa-17362	294	9	dbms	dbms	PROPN
ajfa-17362	294	10	towards	towards	ADP
ajfa-17362	294	11	the	the	DET
ajfa-17362	294	12	reduction	reduction	NOUN
ajfa-17362	294	13	of	of	ADP
ajfa-17362	294	14	operational	operational	ADJ
ajfa-17362	294	15	risks	risk	NOUN
ajfa-17362	294	16	.	.	PUNCT
ajfa-17362	295	1	optimal	optimal	ADJ
ajfa-17362	295	2	utilization	utilization	NOUN
ajfa-17362	295	3	of	of	ADP
ajfa-17362	295	4	banks	bank	NOUN
ajfa-17362	295	5	resources	resource	NOUN
ajfa-17362	295	6	is	be	AUX
ajfa-17362	295	7	imperative	imperative	ADJ
ajfa-17362	295	8	if	if	SCONJ
ajfa-17362	295	9	adequate	adequate	ADJ
ajfa-17362	295	10	returns	return	NOUN
ajfa-17362	295	11	must	must	AUX
ajfa-17362	295	12	be	be	AUX
ajfa-17362	295	13	ensured	ensure	VERB
ajfa-17362	295	14	.	.	PUNCT
ajfa-17362	296	1	directors	director	NOUN
ajfa-17362	296	2	should	should	AUX
ajfa-17362	296	3	be	be	AUX
ajfa-17362	296	4	more	more	ADV
ajfa-17362	296	5	diligent	diligent	ADJ
ajfa-17362	296	6	and	and	CCONJ
ajfa-17362	296	7	implement	implement	VERB
ajfa-17362	296	8	effective	effective	ADJ
ajfa-17362	296	9	monitoring	monitoring	NOUN
ajfa-17362	296	10	roles	role	NOUN
ajfa-17362	296	11	in	in	ADP
ajfa-17362	296	12	line	line	NOUN
ajfa-17362	296	13	with	with	ADP
ajfa-17362	296	14	the	the	DET
ajfa-17362	296	15	corporate	corporate	ADJ
ajfa-17362	296	16	governance	governance	NOUN
ajfa-17362	296	17	best	good	ADJ
ajfa-17362	296	18	practices	practice	NOUN
ajfa-17362	296	19	.	.	PUNCT
ajfa-17362	297	1	while	while	SCONJ
ajfa-17362	297	2	vast	vast	ADJ
ajfa-17362	297	3	literature	literature	NOUN
ajfa-17362	297	4	does	do	AUX
ajfa-17362	297	5	exist	exist	VERB
ajfa-17362	297	6	in	in	ADP
ajfa-17362	297	7	the	the	DET
ajfa-17362	297	8	area	area	NOUN
ajfa-17362	297	9	of	of	ADP
ajfa-17362	297	10	operational	operational	ADJ
ajfa-17362	297	11	risk	risk	NOUN
ajfa-17362	297	12	,	,	PUNCT
ajfa-17362	297	13	however	however	ADV
ajfa-17362	297	14	,	,	PUNCT
ajfa-17362	297	15	only	only	ADV
ajfa-17362	297	16	a	a	DET
ajfa-17362	297	17	considerably	considerably	ADV
ajfa-17362	297	18	limited	limited	ADJ
ajfa-17362	297	19	work	work	NOUN
ajfa-17362	297	20	has	have	AUX
ajfa-17362	297	21	attempted	attempt	VERB
ajfa-17362	297	22	to	to	PART
ajfa-17362	297	23	study	study	VERB
ajfa-17362	297	24	the	the	DET
ajfa-17362	297	25	effects	effect	NOUN
ajfa-17362	297	26	of	of	ADP
ajfa-17362	297	27	operational	operational	ADJ
ajfa-17362	297	28	risk	risk	NOUN
ajfa-17362	297	29	on	on	ADP
ajfa-17362	297	30	equity	equity	NOUN
ajfa-17362	297	31	return	return	NOUN
ajfa-17362	297	32	exploring	explore	VERB
ajfa-17362	297	33	dynamic	dynamic	ADJ
ajfa-17362	297	34	and	and	CCONJ
ajfa-17362	297	35	static	static	ADJ
ajfa-17362	297	36	panel	panel	NOUN
ajfa-17362	297	37	analysis	analysis	NOUN
ajfa-17362	297	38	in	in	ADP
ajfa-17362	297	39	the	the	DET
ajfa-17362	297	40	nigerian	nigerian	ADJ
ajfa-17362	297	41	emerging	emerge	VERB
ajfa-17362	297	42	literature	literature	NOUN
ajfa-17362	297	43	.	.	PUNCT
ajfa-17362	298	1	in	in	ADP
ajfa-17362	298	2	addressing	address	VERB
ajfa-17362	298	3	this	this	DET
ajfa-17362	298	4	gap	gap	NOUN
ajfa-17362	298	5	,	,	PUNCT
ajfa-17362	298	6	this	this	DET
ajfa-17362	298	7	study	study	NOUN
ajfa-17362	298	8	has	have	AUX
ajfa-17362	298	9	investigated	investigate	VERB
ajfa-17362	298	10	the	the	DET
ajfa-17362	298	11	effects	effect	NOUN
ajfa-17362	298	12	of	of	ADP
ajfa-17362	298	13	operational	operational	ADJ
ajfa-17362	298	14	risk	risk	NOUN
ajfa-17362	298	15	on	on	ADP
ajfa-17362	298	16	equity	equity	NOUN
ajfa-17362	298	17	literature	literature	NOUN
ajfa-17362	298	18	.	.	PUNCT
ajfa-17362	299	1	it	it	PRON
ajfa-17362	299	2	might	might	AUX
ajfa-17362	299	3	be	be	AUX
ajfa-17362	299	4	possible	possible	ADJ
ajfa-17362	299	5	to	to	PART
ajfa-17362	299	6	expand	expand	VERB
ajfa-17362	299	7	this	this	DET
ajfa-17362	299	8	study	study	NOUN
ajfa-17362	299	9	to	to	PART
ajfa-17362	299	10	include	include	VERB
ajfa-17362	299	11	more	more	ADJ
ajfa-17362	299	12	years	year	NOUN
ajfa-17362	299	13	of	of	ADP
ajfa-17362	299	14	data	datum	NOUN
ajfa-17362	299	15	and	and	CCONJ
ajfa-17362	299	16	also	also	ADV
ajfa-17362	299	17	extend	extend	VERB
ajfa-17362	299	18	the	the	DET
ajfa-17362	299	19	analysis	analysis	NOUN
ajfa-17362	299	20	to	to	PART
ajfa-17362	299	21	include	include	VERB
ajfa-17362	299	22	more	more	ADJ
ajfa-17362	299	23	banks	bank	NOUN
ajfa-17362	299	24	in	in	ADP
ajfa-17362	299	25	further	further	ADJ
ajfa-17362	299	26	studies	study	NOUN
ajfa-17362	299	27	.	.	PUNCT
ajfa-17362	300	1	references	reference	NOUN
ajfa-17362	300	2	aguayo	aguayo	PROPN
ajfa-17362	300	3	,	,	PUNCT
ajfa-17362	300	4	f.	f.	PROPN
ajfa-17362	300	5	z.	z.	PROPN
ajfa-17362	300	6	,	,	PUNCT
ajfa-17362	300	7	&	&	CCONJ
ajfa-17362	300	8	slusarczyk	slusarczyk	PROPN
ajfa-17362	300	9	,	,	PUNCT
ajfa-17362	300	10	b.	b.	PROPN
ajfa-17362	300	11	(	(	PUNCT
ajfa-17362	300	12	2020	2020	NUM
ajfa-17362	300	13	)	)	PUNCT
ajfa-17362	300	14	.	.	PUNCT
ajfa-17362	301	1	risks	risk	NOUN
ajfa-17362	301	2	of	of	ADP
ajfa-17362	301	3	banking	banking	NOUN
ajfa-17362	301	4	services	service	NOUN
ajfa-17362	301	5	'	'	PART
ajfa-17362	301	6	digitalization	digitalization	NOUN
ajfa-17362	301	7	:	:	PUNCT
ajfa-17362	301	8	the	the	DET
ajfa-17362	301	9	practice	practice	NOUN
ajfa-17362	301	10	of	of	ADP
ajfa-17362	301	11	diversification	diversification	NOUN
ajfa-17362	301	12	and	and	CCONJ
ajfa-17362	301	13	sustainable	sustainable	ADJ
ajfa-17362	301	14	development	development	NOUN
ajfa-17362	301	15	goals	goal	NOUN
ajfa-17362	301	16	.	.	PUNCT
ajfa-17362	302	1	sustainability	sustainability	NOUN
ajfa-17362	302	2	,	,	PUNCT
ajfa-17362	302	3	12	12	NUM
ajfa-17362	302	4	,	,	PUNCT
ajfa-17362	302	5	1	1	NUM
ajfa-17362	302	6	-	-	SYM
ajfa-17362	302	7	12	12	NUM
ajfa-17362	302	8	.	.	PUNCT
ajfa-17362	303	1	https://doi.org/10.3390/su12104040	https://doi.org/10.3390/su12104040	NOUN
ajfa-17362	303	2	aguguom	aguguom	NOUN
ajfa-17362	303	3	,	,	PUNCT
ajfa-17362	303	4	t.	t.	NOUN
ajfa-17362	303	5	a.	a.	NOUN
ajfa-17362	303	6	(	(	PUNCT
ajfa-17362	303	7	2020	2020	NUM
ajfa-17362	303	8	)	)	PUNCT
ajfa-17362	303	9	.	.	PUNCT
ajfa-17362	304	1	cash	cash	NOUN
ajfa-17362	304	2	flow	flow	NOUN
ajfa-17362	304	3	optimality	optimality	NOUN
ajfa-17362	304	4	and	and	CCONJ
ajfa-17362	304	5	investment	investment	NOUN
ajfa-17362	304	6	returns	return	NOUN
ajfa-17362	304	7	:	:	PUNCT
ajfa-17362	304	8	investors	investor	NOUN
ajfa-17362	304	9	expectations	expectation	NOUN
ajfa-17362	304	10	in	in	ADP
ajfa-17362	304	11	listed	list	VERB
ajfa-17362	304	12	manufacturing	manufacturing	NOUN
ajfa-17362	304	13	firms	firm	NOUN
ajfa-17362	304	14	in	in	ADP
ajfa-17362	304	15	nigeria	nigeria	PROPN
ajfa-17362	304	16	.	.	PUNCT
ajfa-17362	305	1	asian	asian	ADJ
ajfa-17362	305	2	journal	journal	PROPN
ajfa-17362	305	3	of	of	ADP
ajfa-17362	305	4	economics	economic	NOUN
ajfa-17362	305	5	,	,	PUNCT
ajfa-17362	305	6	business	business	NOUN
ajfa-17362	305	7	and	and	CCONJ
ajfa-17362	305	8	accounting	accounting	NOUN
ajfa-17362	305	9	.	.	PUNCT
ajfa-17362	306	1	16(4	16(4	NUM
ajfa-17362	306	2	)	)	PUNCT
ajfa-17362	306	3	,	,	PUNCT
ajfa-17362	306	4	39	39	NUM
ajfa-17362	306	5	-	-	SYM
ajfa-17362	306	6	50	50	NUM
ajfa-17362	306	7	,	,	PUNCT
ajfa-17362	306	8	article	article	NOUN
ajfa-17362	306	9	no.ajeba.59499	no.ajeba.59499	NOUN
ajfa-17362	306	10	.	.	PUNCT
ajfa-17362	307	1	doi	doi	NOUN
ajfa-17362	307	2	:	:	PUNCT
ajfa-17362	307	3	10.9734	10.9734	NUM
ajfa-17362	307	4	/	/	SYM
ajfa-17362	307	5	ajeba/2020	ajeba/2020	NOUN
ajfa-17362	307	6	/	/	SYM
ajfa-17362	307	7	v16i430247	v16i430247	NOUN
ajfa-17362	307	8	.	.	NOUN
ajfa-17362	307	9	aguguom	aguguom	NOUN
ajfa-17362	307	10	,	,	PUNCT
ajfa-17362	307	11	t.	t.	NOUN
ajfa-17362	307	12	a.	a.	PROPN
ajfa-17362	307	13	,	,	PUNCT
ajfa-17362	307	14	&	&	CCONJ
ajfa-17362	307	15	salawu	salawu	PROPN
ajfa-17362	307	16	,	,	PUNCT
ajfa-17362	307	17	r.	r.	PROPN
ajfa-17362	307	18	o.	o.	PROPN
ajfa-17362	308	1	(	(	PUNCT
ajfa-17362	308	2	2018	2018	NUM
ajfa-17362	308	3	)	)	PUNCT
ajfa-17362	308	4	.	.	PUNCT
ajfa-17362	309	1	earnings	earning	NOUN
ajfa-17362	309	2	quality	quality	NOUN
ajfa-17362	309	3	and	and	CCONJ
ajfa-17362	309	4	firms	firm	NOUN
ajfa-17362	309	5	'	'	PART
ajfa-17362	309	6	book	book	NOUN
ajfa-17362	309	7	value	value	NOUN
ajfa-17362	309	8	:	:	PUNCT
ajfa-17362	309	9	empirical	empirical	ADJ
ajfa-17362	309	10	evidence	evidence	NOUN
ajfa-17362	309	11	from	from	ADP
ajfa-17362	309	12	the	the	DET
ajfa-17362	309	13	listed	list	VERB
ajfa-17362	309	14	firms	firm	NOUN
ajfa-17362	309	15	in	in	ADP
ajfa-17362	309	16	nigeria	nigeria	PROPN
ajfa-17362	309	17	.	.	PUNCT
ajfa-17362	310	1	journal	journal	PROPN
ajfa-17362	310	2	of	of	ADP
ajfa-17362	310	3	internet	internet	NOUN
ajfa-17362	310	4	banking	banking	NOUN
ajfa-17362	310	5	and	and	CCONJ
ajfa-17362	310	6	commerce	commerce	NOUN
ajfa-17362	310	7	,	,	PUNCT
ajfa-17362	310	8	23(3	23(3	NUM
ajfa-17362	310	9	)	)	PUNCT
ajfa-17362	310	10	,	,	PUNCT
ajfa-17362	310	11	1	1	NUM
ajfa-17362	310	12	-	-	SYM
ajfa-17362	310	13	22	22	NUM
ajfa-17362	310	14	.	.	PUNCT
ajfa-17362	311	1	ahmad	ahmad	PROPN
ajfa-17362	311	2	,	,	PUNCT
ajfa-17362	311	3	b.	b.	PROPN
ajfa-17362	311	4	(	(	PUNCT
ajfa-17362	311	5	2018	2018	NUM
ajfa-17362	311	6	)	)	PUNCT
ajfa-17362	311	7	.	.	PUNCT
ajfa-17362	312	1	effect	effect	NOUN
ajfa-17362	312	2	of	of	ADP
ajfa-17362	312	3	credit	credit	NOUN
ajfa-17362	312	4	risk	risk	NOUN
ajfa-17362	312	5	,	,	PUNCT
ajfa-17362	312	6	liquidity	liquidity	NOUN
ajfa-17362	312	7	risk	risk	NOUN
ajfa-17362	312	8	,	,	PUNCT
ajfa-17362	312	9	and	and	CCONJ
ajfa-17362	312	10	market	market	NOUN
ajfa-17362	312	11	risk	risk	NOUN
ajfa-17362	312	12	banking	banking	NOUN
ajfa-17362	312	13	to	to	ADP
ajfa-17362	312	14	profitability	profitability	NOUN
ajfa-17362	312	15	bank	bank	NOUN
ajfa-17362	312	16	;	;	PUNCT
ajfa-17362	312	17	study	study	NOUN
ajfa-17362	312	18	on	on	ADP
ajfa-17362	312	19	devised	devise	VERB
ajfa-17362	312	20	banks	bank	NOUN
ajfa-17362	312	21	in	in	ADP
ajfa-17362	312	22	indonesia	indonesia	PROPN
ajfa-17362	312	23	stock	stock	PROPN
ajfa-17362	312	24	exchange	exchange	PROPN
ajfa-17362	312	25	.	.	PUNCT
ajfa-17362	313	1	european	european	ADJ
ajfa-17362	313	2	journal	journal	PROPN
ajfa-17362	313	3	of	of	ADP
ajfa-17362	313	4	business	business	NOUN
ajfa-17362	313	5	and	and	CCONJ
ajfa-17362	313	6	management	management	NOUN
ajfa-17362	313	7	,	,	PUNCT
ajfa-17362	313	8	9(29	9(29	NUM
ajfa-17362	313	9	)	)	PUNCT
ajfa-17362	313	10	,	,	PUNCT
ajfa-17362	313	11	222	222	NUM
ajfa-17362	313	12	-	-	SYM
ajfa-17362	313	13	231	231	NUM
ajfa-17362	313	14	.	.	PUNCT
ajfa-17362	314	1	asian	asian	ADJ
ajfa-17362	314	2	journal	journal	PROPN
ajfa-17362	314	3	of	of	ADP
ajfa-17362	314	4	finance	finance	PROPN
ajfa-17362	314	5	&	&	CCONJ
ajfa-17362	314	6	accounting	accounting	PROPN
ajfa-17362	314	7	issn	issn	PROPN
ajfa-17362	314	8	1946	1946	NUM
ajfa-17362	314	9	-	-	PUNCT
ajfa-17362	314	10	052x	052x	NOUN
ajfa-17362	314	11	2020	2020	NUM
ajfa-17362	314	12	,	,	PUNCT
ajfa-17362	314	13	vol	vol	NOUN
ajfa-17362	314	14	.	.	PROPN
ajfa-17362	314	15	12	12	NUM
ajfa-17362	314	16	,	,	PUNCT
ajfa-17362	314	17	no	no	INTJ
ajfa-17362	314	18	.	.	NOUN
ajfa-17362	314	19	2	2	NUM
ajfa-17362	314	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	314	21	19	19	NUM
ajfa-17362	314	22	arnet	arnet	NOUN
ajfa-17362	314	23	,	,	PUNCT
ajfa-17362	314	24	n.	n.	NOUN
ajfa-17362	314	25	m.	m.	NOUN
ajfa-17362	314	26	,	,	PUNCT
ajfa-17362	314	27	gregory	gregory	PROPN
ajfa-17362	314	28	,	,	PUNCT
ajfa-17362	314	29	s.	s.	PROPN
ajfa-17362	314	30	n.	n.	PROPN
ajfa-17362	314	31	,	,	PUNCT
ajfa-17362	314	32	&	&	CCONJ
ajfa-17362	314	33	maurice	maurice	PROPN
ajfa-17362	314	34	,	,	PUNCT
ajfa-17362	314	35	s.	s.	PROPN
ajfa-17362	314	36	(	(	PUNCT
ajfa-17362	314	37	2016	2016	NUM
ajfa-17362	314	38	)	)	PUNCT
ajfa-17362	314	39	.	.	PUNCT
ajfa-17362	315	1	effect	effect	NOUN
ajfa-17362	315	2	of	of	ADP
ajfa-17362	315	3	risk	risk	NOUN
ajfa-17362	315	4	management	management	NOUN
ajfa-17362	315	5	practices	practice	NOUN
ajfa-17362	315	6	on	on	ADP
ajfa-17362	315	7	financial	financial	ADJ
ajfa-17362	315	8	performance	performance	NOUN
ajfa-17362	315	9	in	in	ADP
ajfa-17362	315	10	kenya	kenya	PROPN
ajfa-17362	315	11	deposit	deposit	NOUN
ajfa-17362	315	12	money	money	NOUN
ajfa-17362	315	13	banks	bank	NOUN
ajfa-17362	315	14	.	.	PUNCT
ajfa-17362	316	1	research	research	NOUN
ajfa-17362	316	2	journal	journal	PROPN
ajfa-17362	316	3	of	of	ADP
ajfa-17362	316	4	finance	finance	NOUN
ajfa-17362	316	5	and	and	CCONJ
ajfa-17362	316	6	accounting	accounting	NOUN
ajfa-17362	316	7	,	,	PUNCT
ajfa-17362	316	8	1(1	1(1	NUM
ajfa-17362	316	9	)	)	PUNCT
ajfa-17362	316	10	,	,	PUNCT
ajfa-17362	316	11	1	1	NUM
ajfa-17362	316	12	-	-	SYM
ajfa-17362	316	13	16	16	NUM
ajfa-17362	316	14	.	.	PUNCT
ajfa-17362	317	1	bank	bank	PROPN
ajfa-17362	317	2	for	for	ADP
ajfa-17362	317	3	international	international	ADJ
ajfa-17362	317	4	settlements	settlement	NOUN
ajfa-17362	317	5	.	.	PUNCT
ajfa-17362	318	1	(	(	PUNCT
ajfa-17362	318	2	2013	2013	NUM
ajfa-17362	318	3	)	)	PUNCT
ajfa-17362	318	4	.	.	PUNCT
ajfa-17362	319	1	basel	basel	PROPN
ajfa-17362	319	2	iii	iii	PROPN
ajfa-17362	319	3	:	:	PUNCT
ajfa-17362	319	4	the	the	DET
ajfa-17362	319	5	liquidity	liquidity	NOUN
ajfa-17362	319	6	coverage	coverage	NOUN
ajfa-17362	319	7	ratio	ratio	NOUN
ajfa-17362	319	8	and	and	CCONJ
ajfa-17362	319	9	liquidity	liquidity	NOUN
ajfa-17362	319	10	risk	risk	NOUN
ajfa-17362	319	11	monitoring	monitoring	NOUN
ajfa-17362	319	12	tools	tool	NOUN
ajfa-17362	319	13	.	.	PUNCT
ajfa-17362	320	1	retrieved	retrieve	VERB
ajfa-17362	320	2	from	from	ADP
ajfa-17362	320	3	bank	bank	PROPN
ajfa-17362	320	4	for	for	ADP
ajfa-17362	320	5	international	international	ADJ
ajfa-17362	320	6	settlements	settlement	NOUN
ajfa-17362	320	7	:	:	PUNCT
ajfa-17362	320	8	available	available	ADJ
ajfa-17362	320	9	at	at	ADP
ajfa-17362	320	10	:	:	PUNCT
ajfa-17362	320	11	http://www.bis.org/publ/bcbs238.htm	http://www.bis.org/publ/bcbs238.htm	X
ajfa-17362	320	12	,	,	PUNCT
ajfa-17362	320	13	accessed	access	VERB
ajfa-17362	320	14	4th	4th	ADJ
ajfa-17362	320	15	june	june	PROPN
ajfa-17362	320	16	2020	2020	NUM
ajfa-17362	320	17	biswas	biswas	PROPN
ajfa-17362	320	18	,	,	PUNCT
ajfa-17362	320	19	t.	t.	PROPN
ajfa-17362	320	20	(	(	PUNCT
ajfa-17362	320	21	2017	2017	NUM
ajfa-17362	320	22	)	)	PUNCT
ajfa-17362	320	23	.	.	PUNCT
ajfa-17362	321	1	responsibility	responsibility	NOUN
ajfa-17362	321	2	accounting	account	VERB
ajfa-17362	321	3	:	:	PUNCT
ajfa-17362	321	4	a	a	DET
ajfa-17362	321	5	review	review	NOUN
ajfa-17362	321	6	of	of	ADP
ajfa-17362	321	7	related	related	ADJ
ajfa-17362	321	8	literature	literature	NOUN
ajfa-17362	321	9	.	.	PUNCT
ajfa-17362	322	1	international	international	ADJ
ajfa-17362	322	2	journal	journal	PROPN
ajfa-17362	322	3	of	of	ADP
ajfa-17362	322	4	multidisciplinary	multidisciplinary	ADJ
ajfa-17362	322	5	research	research	NOUN
ajfa-17362	322	6	and	and	CCONJ
ajfa-17362	322	7	development	development	NOUN
ajfa-17362	322	8	,	,	PUNCT
ajfa-17362	322	9	4(8	4(8	NUM
ajfa-17362	322	10	)	)	PUNCT
ajfa-17362	322	11	,	,	PUNCT
ajfa-17362	322	12	202	202	NUM
ajfa-17362	322	13	-	-	SYM
ajfa-17362	322	14	206	206	NUM
ajfa-17362	322	15	.	.	PUNCT
ajfa-17362	323	1	buckova	buckova	PROPN
ajfa-17362	323	2	,	,	PUNCT
ajfa-17362	323	3	v.	v.	ADV
ajfa-17362	323	4	,	,	PUNCT
ajfa-17362	323	5	&	&	CCONJ
ajfa-17362	323	6	reuse	reuse	PROPN
ajfa-17362	323	7	,	,	PUNCT
ajfa-17362	323	8	s.	s.	PROPN
ajfa-17362	323	9	(	(	PUNCT
ajfa-17362	323	10	2011	2011	NUM
ajfa-17362	323	11	)	)	PUNCT
ajfa-17362	323	12	.	.	PUNCT
ajfa-17362	324	1	basel	basel	PROPN
ajfa-17362	324	2	iii	iii	PROPN
ajfa-17362	324	3	global	global	PROPN
ajfa-17362	324	4	liquidity	liquidity	NOUN
ajfa-17362	324	5	standards	standard	NOUN
ajfa-17362	324	6	:	:	PUNCT
ajfa-17362	324	7	critical	critical	ADJ
ajfa-17362	324	8	discussion	discussion	NOUN
ajfa-17362	324	9	and	and	CCONJ
ajfa-17362	324	10	impact	impact	NOUN
ajfa-17362	324	11	on	on	ADP
ajfa-17362	324	12	the	the	DET
ajfa-17362	324	13	european	european	ADJ
ajfa-17362	324	14	banking	banking	NOUN
ajfa-17362	324	15	sector	sector	NOUN
ajfa-17362	324	16	.	.	PUNCT
ajfa-17362	325	1	chaikovskyi	chaikovskyi	PROPN
ajfa-17362	325	2	,	,	PUNCT
ajfa-17362	325	3	y.	y.	PROPN
ajfa-17362	325	4	;	;	PUNCT
ajfa-17362	325	5	kovlchuk	kovlchuk	PROPN
ajfa-17362	325	6	,	,	PUNCT
ajfa-17362	325	7	y.	y.	PROPN
ajfa-17362	325	8	(	(	PUNCT
ajfa-17362	325	9	2019	2019	NUM
ajfa-17362	325	10	)	)	PUNCT
ajfa-17362	325	11	.	.	PUNCT
ajfa-17362	326	1	banking	banking	NOUN
ajfa-17362	326	2	innovations	innovation	NOUN
ajfa-17362	326	3	:	:	PUNCT
ajfa-17362	326	4	perspectives	perspective	NOUN
ajfa-17362	326	5	and	and	CCONJ
ajfa-17362	326	6	threats	threat	NOUN
ajfa-17362	326	7	of	of	ADP
ajfa-17362	326	8	electronic	electronic	ADJ
ajfa-17362	326	9	banking	banking	NOUN
ajfa-17362	326	10	services	service	NOUN
ajfa-17362	326	11	.	.	PUNCT
ajfa-17362	327	1	world	world	NOUN
ajfa-17362	327	2	finance	finance	PROPN
ajfa-17362	327	3	4(1	4(1	NOUN
ajfa-17362	327	4	)	)	PUNCT
ajfa-17362	327	5	,	,	PUNCT
ajfa-17362	327	6	121	121	NUM
ajfa-17362	327	7	-	-	SYM
ajfa-17362	327	8	136	136	NUM
ajfa-17362	327	9	.	.	PUNCT
ajfa-17362	328	1	https://doi.org/10.35774/sf2018.04.121	https://doi.org/10.35774/sf2018.04.121	X
ajfa-17362	328	2	ezejiofor	ezejiofor	PROPN
ajfa-17362	328	3	,	,	PUNCT
ajfa-17362	328	4	r.	r.	PROPN
ajfa-17362	328	5	a.	a.	PROPN
ajfa-17362	328	6	,	,	PUNCT
ajfa-17362	328	7	adigwe	adigwe	PROPN
ajfa-17362	328	8	,	,	PUNCT
ajfa-17362	328	9	p.	p.	PROPN
ajfa-17362	328	10	k.	k.	PROPN
ajfa-17362	328	11	,	,	PUNCT
ajfa-17362	328	12	&	&	CCONJ
ajfa-17362	328	13	john	john	PROPN
ajfa-17362	328	14	-	-	PUNCT
ajfa-17362	328	15	akamelu	akamelu	PROPN
ajfa-17362	328	16	,	,	PUNCT
ajfa-17362	328	17	r.	r.	PROPN
ajfa-17362	328	18	c.	c.	PROPN
ajfa-17362	328	19	(	(	PUNCT
ajfa-17362	328	20	2015	2015	NUM
ajfa-17362	328	21	)	)	PUNCT
ajfa-17362	328	22	.	.	PUNCT
ajfa-17362	329	1	the	the	DET
ajfa-17362	329	2	credit	credit	NOUN
ajfa-17362	329	3	management	management	NOUN
ajfa-17362	329	4	on	on	ADP
ajfa-17362	329	5	liquidity	liquidity	NOUN
ajfa-17362	329	6	and	and	CCONJ
ajfa-17362	329	7	profitability	profitability	NOUN
ajfa-17362	329	8	position	position	NOUN
ajfa-17362	329	9	of	of	ADP
ajfa-17362	329	10	manufacturing	manufacture	VERB
ajfa-17362	329	11	company	company	NOUN
ajfa-17362	329	12	in	in	ADP
ajfa-17362	329	13	nigeria	nigeria	PROPN
ajfa-17362	329	14	.	.	PUNCT
ajfa-17362	330	1	european	european	PROPN
ajfa-17362	330	2	journal	journal	PROPN
ajfa-17362	330	3	of	of	ADP
ajfa-17362	330	4	research	research	NOUN
ajfa-17362	330	5	and	and	CCONJ
ajfa-17362	330	6	reflection	reflection	NOUN
ajfa-17362	330	7	in	in	ADP
ajfa-17362	330	8	management	management	NOUN
ajfa-17362	330	9	sciences	science	NOUN
ajfa-17362	330	10	,	,	PUNCT
ajfa-17362	330	11	3(3	3(3	NUM
ajfa-17362	330	12	)	)	PUNCT
ajfa-17362	330	13	,	,	PUNCT
ajfa-17362	330	14	32	32	NUM
ajfa-17362	330	15	-	-	SYM
ajfa-17362	330	16	48	48	NUM
ajfa-17362	330	17	.	.	PUNCT
ajfa-17362	331	1	el	el	NOUN
ajfa-17362	331	2	-	-	NOUN
ajfa-17362	331	3	ansary	ansary	ADJ
ajfa-17362	331	4	,	,	PUNCT
ajfa-17362	331	5	o.	o.	NOUN
ajfa-17362	331	6	(	(	PUNCT
ajfa-17362	331	7	2019	2019	NUM
ajfa-17362	331	8	)	)	PUNCT
ajfa-17362	331	9	.	.	PUNCT
ajfa-17362	332	1	predicting	predict	VERB
ajfa-17362	332	2	financial	financial	ADJ
ajfa-17362	332	3	distress	distress	NOUN
ajfa-17362	332	4	for	for	ADP
ajfa-17362	332	5	listed	list	VERB
ajfa-17362	332	6	middle	middle	PROPN
ajfa-17362	332	7	east	east	PROPN
ajfa-17362	332	8	and	and	CCONJ
ajfa-17362	332	9	northern	northern	ADJ
ajfa-17362	332	10	africa	africa	PROPN
ajfa-17362	332	11	firms	firm	NOUN
ajfa-17362	332	12	.	.	PUNCT
ajfa-17362	333	1	international	international	ADJ
ajfa-17362	333	2	journal	journal	PROPN
ajfa-17362	333	3	of	of	ADP
ajfa-17362	333	4	accounting	accounting	NOUN
ajfa-17362	333	5	and	and	CCONJ
ajfa-17362	333	6	financial	financial	ADJ
ajfa-17362	333	7	reporting	reporting	NOUN
ajfa-17362	333	8	,	,	PUNCT
ajfa-17362	333	9	9(2	9(2	NUM
ajfa-17362	333	10	)	)	PUNCT
ajfa-17362	333	11	,	,	PUNCT
ajfa-17362	333	12	51	51	NUM
ajfa-17362	333	13	-	-	SYM
ajfa-17362	333	14	75	75	NUM
ajfa-17362	333	15	.	.	PUNCT
ajfa-17362	334	1	https://doi.org/10.5296/ijafr.v9i2.14542	https://doi.org/10.5296/ijafr.v9i2.14542	PROPN
ajfa-17362	334	2	fox	fox	PROPN
ajfa-17362	334	3	,	,	PUNCT
ajfa-17362	334	4	j.	j.	PROPN
ajfa-17362	334	5	,	,	PUNCT
ajfa-17362	334	6	&	&	CCONJ
ajfa-17362	334	7	lorsch	lorsch	PROPN
ajfa-17362	334	8	,	,	PUNCT
ajfa-17362	334	9	j.	j.	PROPN
ajfa-17362	334	10	w.	w.	PROPN
ajfa-17362	334	11	(	(	PUNCT
ajfa-17362	334	12	2012	2012	NUM
ajfa-17362	334	13	)	)	PUNCT
ajfa-17362	334	14	.	.	PUNCT
ajfa-17362	335	1	what	what	PRON
ajfa-17362	335	2	good	good	ADJ
ajfa-17362	335	3	are	be	AUX
ajfa-17362	335	4	shareholders	shareholder	NOUN
ajfa-17362	335	5	?	?	PUNCT
ajfa-17362	336	1	harvard	harvard	PROPN
ajfa-17362	336	2	business	business	NOUN
ajfa-17362	336	3	reviews	review	NOUN
ajfa-17362	336	4	.	.	PUNCT
ajfa-17362	337	1	gadzo	gadzo	PROPN
ajfa-17362	337	2	,	,	PUNCT
ajfa-17362	337	3	s.	s.	PROPN
ajfa-17362	337	4	g.	g.	PROPN
ajfa-17362	337	5	,	,	PUNCT
ajfa-17362	337	6	kportorgbi	kportorgbi	PROPN
ajfa-17362	337	7	,	,	PUNCT
ajfa-17362	337	8	h.	h.	PROPN
ajfa-17362	337	9	k.	k.	PROPN
ajfa-17362	337	10	,	,	PUNCT
ajfa-17362	337	11	&	&	CCONJ
ajfa-17362	337	12	gatsi	gatsi	PROPN
ajfa-17362	337	13	,	,	PUNCT
ajfa-17362	337	14	g.	g.	PROPN
ajfa-17362	337	15	j.	j.	PROPN
ajfa-17362	337	16	(	(	PUNCT
ajfa-17362	337	17	2019	2019	NUM
ajfa-17362	337	18	)	)	PUNCT
ajfa-17362	337	19	.	.	PUNCT
ajfa-17362	338	1	credit	credit	NOUN
ajfa-17362	338	2	risk	risk	NOUN
ajfa-17362	338	3	and	and	CCONJ
ajfa-17362	338	4	financial	financial	ADJ
ajfa-17362	338	5	risk	risk	NOUN
ajfa-17362	338	6	on	on	ADP
ajfa-17362	338	7	financial	financial	ADJ
ajfa-17362	338	8	performance	performance	NOUN
ajfa-17362	338	9	of	of	ADP
ajfa-17362	338	10	universal	universal	ADJ
ajfa-17362	338	11	banks	bank	NOUN
ajfa-17362	338	12	in	in	ADP
ajfa-17362	338	13	ghana	ghana	PROPN
ajfa-17362	338	14	:	:	PUNCT
ajfa-17362	338	15	a	a	DET
ajfa-17362	338	16	partial	partial	ADJ
ajfa-17362	338	17	least	least	ADJ
ajfa-17362	338	18	squared	square	VERB
ajfa-17362	338	19	structural	structural	ADJ
ajfa-17362	338	20	equation	equation	NOUN
ajfa-17362	338	21	model	model	NOUN
ajfa-17362	338	22	approach	approach	NOUN
ajfa-17362	338	23	.	.	PUNCT
ajfa-17362	339	1	cogent	cogent	NOUN
ajfa-17362	339	2	economics	economics	PROPN
ajfa-17362	339	3	&	&	CCONJ
ajfa-17362	339	4	finance	finance	PROPN
ajfa-17362	339	5	,	,	PUNCT
ajfa-17362	339	6	7(1	7(1	NUM
ajfa-17362	339	7	)	)	PUNCT
ajfa-17362	339	8	,	,	PUNCT
ajfa-17362	339	9	1	1	NUM
ajfa-17362	339	10	-	-	SYM
ajfa-17362	339	11	16	16	NUM
ajfa-17362	339	12	.	.	PUNCT
ajfa-17362	340	1	https://doi.org/10.1080/23322039.2019.1589406	https://doi.org/10.1080/23322039.2019.1589406	PROPN
ajfa-17362	340	2	gary	gary	PROPN
ajfa-17362	340	3	,	,	PUNCT
ajfa-17362	340	4	g.	g.	PROPN
ajfa-17362	340	5	(	(	PUNCT
ajfa-17362	340	6	2016	2016	NUM
ajfa-17362	340	7	)	)	PUNCT
ajfa-17362	340	8	.	.	PUNCT
ajfa-17362	341	1	the	the	DET
ajfa-17362	341	2	impact	impact	NOUN
ajfa-17362	341	3	of	of	ADP
ajfa-17362	341	4	the	the	DET
ajfa-17362	341	5	basel	basel	PROPN
ajfa-17362	341	6	3	3	NUM
ajfa-17362	341	7	capital	capital	NOUN
ajfa-17362	341	8	requirements	requirement	NOUN
ajfa-17362	341	9	on	on	ADP
ajfa-17362	341	10	the	the	DET
ajfa-17362	341	11	performance	performance	NOUN
ajfa-17362	341	12	of	of	ADP
ajfa-17362	341	13	european	european	ADJ
ajfa-17362	341	14	banks	bank	NOUN
ajfa-17362	341	15	.	.	PUNCT
ajfa-17362	342	1	master	master	NOUN
ajfa-17362	342	2	dissertation	dissertation	NOUN
ajfa-17362	342	3	.	.	PUNCT
ajfa-17362	343	1	ecole	ecole	PROPN
ajfa-17362	343	2	de	de	PROPN
ajfa-17362	343	3	gestio	gestio	PROPN
ajfa-17362	343	4	de	de	PROPN
ajfa-17362	343	5	universite	universite	PROPN
ajfa-17362	343	6	de	de	PROPN
ajfa-17362	343	7	liege	liege	PROPN
ajfa-17362	343	8	gelter	gelter	NOUN
ajfa-17362	343	9	,	,	PUNCT
ajfa-17362	343	10	m.	m.	NOUN
ajfa-17362	343	11	(	(	PUNCT
ajfa-17362	343	12	2009	2009	NUM
ajfa-17362	343	13	)	)	PUNCT
ajfa-17362	343	14	.	.	PUNCT
ajfa-17362	344	1	the	the	DET
ajfa-17362	344	2	dark	dark	ADJ
ajfa-17362	344	3	side	side	NOUN
ajfa-17362	344	4	of	of	ADP
ajfa-17362	344	5	shareholder	shareholder	NOUN
ajfa-17362	344	6	influence	influence	NOUN
ajfa-17362	344	7	:	:	PUNCT
ajfa-17362	344	8	managerial	managerial	ADJ
ajfa-17362	344	9	autonomy	autonomy	NOUN
ajfa-17362	344	10	and	and	CCONJ
ajfa-17362	344	11	stakeholder	stakeholder	NOUN
ajfa-17362	344	12	orientation	orientation	NOUN
ajfa-17362	344	13	in	in	ADP
ajfa-17362	344	14	comparative	comparative	ADJ
ajfa-17362	344	15	corporate	corporate	ADJ
ajfa-17362	344	16	governance	governance	NOUN
ajfa-17362	344	17	.	.	PUNCT
ajfa-17362	345	1	harvard	harvard	PROPN
ajfa-17362	345	2	international	international	PROPN
ajfa-17362	345	3	law	law	PROPN
ajfa-17362	345	4	journal	journal	NOUN
ajfa-17362	345	5	,	,	PUNCT
ajfa-17362	345	6	50(42	50(42	PROPN
ajfa-17362	345	7	)	)	PUNCT
ajfa-17362	345	8	,	,	PUNCT
ajfa-17362	345	9	129	129	NUM
ajfa-17362	345	10	-	-	SYM
ajfa-17362	345	11	194	194	NUM
ajfa-17362	345	12	.	.	PUNCT
ajfa-17362	346	1	imad	imad	PROPN
ajfa-17362	346	2	,	,	PUNCT
ajfa-17362	346	3	k.	k.	PROPN
ajfa-17362	346	4	(	(	PUNCT
ajfa-17362	346	5	2017	2017	NUM
ajfa-17362	346	6	)	)	PUNCT
ajfa-17362	346	7	.	.	PUNCT
ajfa-17362	347	1	the	the	DET
ajfa-17362	347	2	impact	impact	NOUN
ajfa-17362	347	3	of	of	ADP
ajfa-17362	347	4	credit	credit	NOUN
ajfa-17362	347	5	risk	risk	NOUN
ajfa-17362	347	6	on	on	ADP
ajfa-17362	347	7	the	the	DET
ajfa-17362	347	8	profitability	profitability	NOUN
ajfa-17362	347	9	of	of	ADP
ajfa-17362	347	10	banks	bank	NOUN
ajfa-17362	347	11	listed	list	VERB
ajfa-17362	347	12	on	on	ADP
ajfa-17362	347	13	the	the	DET
ajfa-17362	347	14	palestine	palestine	PROPN
ajfa-17362	347	15	exchange	exchange	PROPN
ajfa-17362	347	16	.	.	PUNCT
ajfa-17362	348	1	research	research	NOUN
ajfa-17362	348	2	journal	journal	PROPN
ajfa-17362	348	3	of	of	ADP
ajfa-17362	348	4	finance	finance	NOUN
ajfa-17362	348	5	and	and	CCONJ
ajfa-17362	348	6	accounting	accounting	NOUN
ajfa-17362	348	7	,	,	PUNCT
ajfa-17362	348	8	8(8	8(8	NUM
ajfa-17362	348	9	)	)	PUNCT
ajfa-17362	348	10	,	,	PUNCT
ajfa-17362	348	11	2222	2222	NUM
ajfa-17362	348	12	-	-	SYM
ajfa-17362	348	13	2847	2847	NUM
ajfa-17362	348	14	institute	institute	NOUN
ajfa-17362	348	15	of	of	ADP
ajfa-17362	348	16	company	company	NOUN
ajfa-17362	348	17	secretaries	secretary	NOUN
ajfa-17362	348	18	of	of	ADP
ajfa-17362	348	19	india	india	PROPN
ajfa-17362	348	20	.	.	PUNCT
ajfa-17362	349	1	(	(	PUNCT
ajfa-17362	349	2	2016	2016	NUM
ajfa-17362	349	3	)	)	PUNCT
ajfa-17362	349	4	.	.	PUNCT
ajfa-17362	350	1	shareholders	shareholder	NOUN
ajfa-17362	350	2	wealth	wealth	PROPN
ajfa-17362	350	3	maximization	maximization	NOUN
ajfa-17362	350	4	trajectory	trajectory	NOUN
ajfa-17362	350	5	.	.	PUNCT
ajfa-17362	351	1	2016	2016	NUM
ajfa-17362	351	2	.	.	PUNCT
ajfa-17362	352	1	5th	5th	ADJ
ajfa-17362	352	2	march	march	PROPN
ajfa-17362	352	3	2016	2016	NUM
ajfa-17362	352	4	.	.	PUNCT
ajfa-17362	353	1	available	available	ADJ
ajfa-17362	353	2	at	at	ADP
ajfa-17362	353	3	:	:	PUNCT
ajfa-17362	353	4	www.icsi.edu	www.icsi.edu	PROPN
ajfa-17362	353	5	.	.	PUNCT
ajfa-17362	354	1	accessed	access	VERB
ajfa-17362	354	2	5th	5th	ADJ
ajfa-17362	354	3	june	june	PROPN
ajfa-17362	354	4	2020	2020	NUM
ajfa-17362	354	5	.	.	PUNCT
ajfa-17362	355	1	institute	institute	PROPN
ajfa-17362	355	2	of	of	ADP
ajfa-17362	355	3	chartered	charter	VERB
ajfa-17362	355	4	accountants	accountant	NOUN
ajfa-17362	355	5	of	of	ADP
ajfa-17362	355	6	nigeria	nigeria	PROPN
ajfa-17362	355	7	.	.	PUNCT
ajfa-17362	356	1	(	(	PUNCT
ajfa-17362	356	2	2014	2014	NUM
ajfa-17362	356	3	)	)	PUNCT
ajfa-17362	356	4	.	.	PUNCT
ajfa-17362	357	1	business	business	NOUN
ajfa-17362	357	2	and	and	CCONJ
ajfa-17362	357	3	finance	finance	NOUN
ajfa-17362	357	4	.	.	PUNCT
ajfa-17362	358	1	study	study	NOUN
ajfa-17362	358	2	pack	pack	NOUN
ajfa-17362	358	3	.	.	PUNCT
ajfa-17362	359	1	2014	2014	NUM
ajfa-17362	359	2	.	.	PUNCT
ajfa-17362	360	1	12	12	NUM
ajfa-17362	360	2	august	august	PROPN
ajfa-17362	360	3	2014	2014	NUM
ajfa-17362	360	4	.	.	PUNCT
ajfa-17362	360	5	available	available	ADJ
ajfa-17362	360	6	at	at	ADP
ajfa-17362	360	7	:	:	PUNCT
ajfa-17362	360	8	www.ican.org/businessandfinance/studypack	www.ican.org/businessandfinance/studypack	PROPN
ajfa-17362	360	9	.	.	PUNCT
ajfa-17362	361	1	accessed	access	VERB
ajfa-17362	361	2	6th	6th	ADJ
ajfa-17362	361	3	june	june	PROPN
ajfa-17362	361	4	2020	2020	NUM
ajfa-17362	361	5	asian	asian	ADJ
ajfa-17362	361	6	journal	journal	NOUN
ajfa-17362	361	7	of	of	ADP
ajfa-17362	361	8	finance	finance	PROPN
ajfa-17362	361	9	&	&	CCONJ
ajfa-17362	361	10	accounting	accounting	PROPN
ajfa-17362	361	11	issn	issn	PROPN
ajfa-17362	361	12	1946	1946	NUM
ajfa-17362	361	13	-	-	PUNCT
ajfa-17362	361	14	052x	052x	NOUN
ajfa-17362	361	15	2020	2020	NUM
ajfa-17362	361	16	,	,	PUNCT
ajfa-17362	361	17	vol	vol	NOUN
ajfa-17362	361	18	.	.	PROPN
ajfa-17362	362	1	12	12	NUM
ajfa-17362	362	2	,	,	PUNCT
ajfa-17362	362	3	no	no	INTJ
ajfa-17362	362	4	.	.	NOUN
ajfa-17362	362	5	2	2	NUM
ajfa-17362	362	6	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	362	7	20	20	NUM
ajfa-17362	362	8	isoh	isoh	NOUN
ajfa-17362	362	9	,	,	PUNCT
ajfa-17362	362	10	a.	a.	NOUN
ajfa-17362	362	11	v.	v.	PROPN
ajfa-17362	362	12	n.	n.	PROPN
ajfa-17362	362	13	,	,	PUNCT
ajfa-17362	362	14	ambang	ambang	PROPN
ajfa-17362	362	15	,	,	PUNCT
ajfa-17362	362	16	e.	e.	PROPN
ajfa-17362	362	17	m.	m.	PROPN
ajfa-17362	362	18	,	,	PUNCT
ajfa-17362	362	19	&	&	CCONJ
ajfa-17362	362	20	nchang	nchang	PROPN
ajfa-17362	362	21	,	,	PUNCT
ajfa-17362	362	22	n.	n.	PROPN
ajfa-17362	362	23	d.	d.	PROPN
ajfa-17362	362	24	(	(	PUNCT
ajfa-17362	362	25	2020	2020	NUM
ajfa-17362	362	26	)	)	PUNCT
ajfa-17362	362	27	.	.	PUNCT
ajfa-17362	363	1	assessing	assess	VERB
ajfa-17362	363	2	the	the	DET
ajfa-17362	363	3	impact	impact	NOUN
ajfa-17362	363	4	of	of	ADP
ajfa-17362	363	5	operational	operational	ADJ
ajfa-17362	363	6	risk	risk	NOUN
ajfa-17362	363	7	on	on	ADP
ajfa-17362	363	8	financial	financial	ADJ
ajfa-17362	363	9	performance	performance	NOUN
ajfa-17362	363	10	of	of	ADP
ajfa-17362	363	11	selected	select	VERB
ajfa-17362	363	12	mainstream	mainstream	ADJ
ajfa-17362	363	13	commercial	commercial	ADJ
ajfa-17362	363	14	banks	bank	NOUN
ajfa-17362	363	15	in	in	ADP
ajfa-17362	363	16	cameroon	cameroon	PROPN
ajfa-17362	363	17	.	.	PUNCT
ajfa-17362	364	1	international	international	ADJ
ajfa-17362	364	2	journal	journal	PROPN
ajfa-17362	364	3	of	of	ADP
ajfa-17362	364	4	research	research	NOUN
ajfa-17362	364	5	in	in	ADP
ajfa-17362	364	6	commerce	commerce	NOUN
ajfa-17362	364	7	and	and	CCONJ
ajfa-17362	364	8	management	management	NOUN
ajfa-17362	364	9	studies	study	NOUN
ajfa-17362	364	10	,	,	PUNCT
ajfa-17362	364	11	2(2	2(2	NUM
ajfa-17362	364	12	)	)	PUNCT
ajfa-17362	364	13	,	,	PUNCT
ajfa-17362	364	14	1	1	NUM
ajfa-17362	364	15	-	-	SYM
ajfa-17362	364	16	16	16	NUM
ajfa-17362	364	17	.	.	PUNCT
ajfa-17362	365	1	jablecki	jablecki	PROPN
ajfa-17362	365	2	,	,	PUNCT
ajfa-17362	365	3	j.	j.	PROPN
ajfa-17362	365	4	(	(	PUNCT
ajfa-17362	365	5	2008	2008	NUM
ajfa-17362	365	6	)	)	PUNCT
ajfa-17362	365	7	.	.	PUNCT
ajfa-17362	366	1	the	the	DET
ajfa-17362	366	2	impact	impact	NOUN
ajfa-17362	366	3	of	of	ADP
ajfa-17362	366	4	basel	basel	PROPN
ajfa-17362	366	5	i	i	PROPN
ajfa-17362	366	6	capital	capital	NOUN
ajfa-17362	366	7	requirements	requirement	NOUN
ajfa-17362	366	8	on	on	ADP
ajfa-17362	366	9	bank	bank	NOUN
ajfa-17362	366	10	behavior	behavior	NOUN
ajfa-17362	366	11	and	and	CCONJ
ajfa-17362	366	12	the	the	DET
ajfa-17362	366	13	efficacy	efficacy	NOUN
ajfa-17362	366	14	of	of	ADP
ajfa-17362	366	15	monetary	monetary	ADJ
ajfa-17362	366	16	policy	policy	NOUN
ajfa-17362	366	17	.	.	PUNCT
ajfa-17362	367	1	international	international	ADJ
ajfa-17362	367	2	journal	journal	PROPN
ajfa-17362	367	3	of	of	ADP
ajfa-17362	367	4	economic	economic	ADJ
ajfa-17362	367	5	sciences	science	NOUN
ajfa-17362	367	6	and	and	CCONJ
ajfa-17362	367	7	applied	apply	VERB
ajfa-17362	367	8	research	research	NOUN
ajfa-17362	367	9	.	.	PUNCT
ajfa-17362	368	1	jilkoya	jilkoya	PROPN
ajfa-17362	368	2	,	,	PUNCT
ajfa-17362	368	3	p.	p.	NOUN
ajfa-17362	368	4	&	&	CCONJ
ajfa-17362	368	5	stranska	stranska	PROPN
ajfa-17362	368	6	,	,	PUNCT
ajfa-17362	368	7	p.k	p.k	PROPN
ajfa-17362	368	8	.	.	PROPN
ajfa-17362	368	9	(	(	PUNCT
ajfa-17362	368	10	2017	2017	NUM
ajfa-17362	368	11	)	)	PUNCT
ajfa-17362	368	12	.	.	PUNCT
ajfa-17362	369	1	multiple	multiple	ADJ
ajfa-17362	369	2	linear	linear	ADJ
ajfa-17362	369	3	regression	regression	NOUN
ajfa-17362	369	4	analyses	analysis	NOUN
ajfa-17362	369	5	of	of	ADP
ajfa-17362	369	6	the	the	DET
ajfa-17362	369	7	performance	performance	NOUN
ajfa-17362	369	8	and	and	CCONJ
ajfa-17362	369	9	profitability	profitability	NOUN
ajfa-17362	369	10	of	of	ADP
ajfa-17362	369	11	the	the	DET
ajfa-17362	369	12	czech	czech	ADJ
ajfa-17362	369	13	banking	banking	NOUN
ajfa-17362	369	14	sector	sector	NOUN
ajfa-17362	369	15	.	.	PUNCT
ajfa-17362	370	1	institute	institute	PROPN
ajfa-17362	370	2	of	of	ADP
ajfa-17362	370	3	economic	economic	ADJ
ajfa-17362	370	4	research	research	NOUN
ajfa-17362	370	5	,	,	PUNCT
ajfa-17362	370	6	working	work	VERB
ajfa-17362	370	7	papers	paper	NOUN
ajfa-17362	370	8	,	,	PUNCT
ajfa-17362	370	9	1(2	1(2	NUM
ajfa-17362	370	10	)	)	PUNCT
ajfa-17362	370	11	.	.	PUNCT
ajfa-17362	371	1	jones	jones	PROPN
ajfa-17362	371	2	,	,	PUNCT
ajfa-17362	371	3	t.	t.	PROPN
ajfa-17362	371	4	m.	m.	NOUN
ajfa-17362	371	5	,	,	PUNCT
ajfa-17362	371	6	&	&	CCONJ
ajfa-17362	371	7	will	will	AUX
ajfa-17362	371	8	,	,	PUNCT
ajfa-17362	371	9	f.	f.	PROPN
ajfa-17362	371	10	(	(	PUNCT
ajfa-17362	371	11	2013	2013	NUM
ajfa-17362	371	12	)	)	PUNCT
ajfa-17362	371	13	.	.	PUNCT
ajfa-17362	372	1	shareholder	shareholder	NOUN
ajfa-17362	372	2	wealth	wealth	NOUN
ajfa-17362	372	3	maximization	maximization	NOUN
ajfa-17362	372	4	and	and	CCONJ
ajfa-17362	372	5	social	social	ADJ
ajfa-17362	372	6	welfare	welfare	NOUN
ajfa-17362	372	7	:	:	PUNCT
ajfa-17362	372	8	a	a	DET
ajfa-17362	372	9	utilitarian	utilitarian	ADJ
ajfa-17362	372	10	critique	critique	NOUN
ajfa-17362	372	11	.	.	PUNCT
ajfa-17362	373	1	https://doi.org/10.5840/beq201323215	https://doi.org/10.5840/beq201323215	NOUN
ajfa-17362	373	2	knežević	knežević	NOUN
ajfa-17362	373	3	,	,	PUNCT
ajfa-17362	373	4	m.	m.	NOUN
ajfa-17362	373	5	(	(	PUNCT
ajfa-17362	373	6	2013	2013	NUM
ajfa-17362	373	7	)	)	PUNCT
ajfa-17362	373	8	.	.	PUNCT
ajfa-17362	374	1	financial	financial	ADJ
ajfa-17362	374	2	risk	risk	NOUN
ajfa-17362	374	3	:	:	PUNCT
ajfa-17362	374	4	challenges	challenge	NOUN
ajfa-17362	374	5	for	for	ADP
ajfa-17362	374	6	the	the	DET
ajfa-17362	374	7	banking	banking	NOUN
ajfa-17362	374	8	industry	industry	NOUN
ajfa-17362	374	9	.	.	PUNCT
ajfa-17362	375	1	economics	economic	NOUN
ajfa-17362	375	2	and	and	CCONJ
ajfa-17362	375	3	accounting	accounting	NOUN
ajfa-17362	375	4	journal	journal	NOUN
ajfa-17362	375	5	,	,	PUNCT
ajfa-17362	375	6	46(2	46(2	NOUN
ajfa-17362	375	7	)	)	PUNCT
ajfa-17362	375	8	,	,	PUNCT
ajfa-17362	375	9	40	40	NUM
ajfa-17362	375	10	-	-	SYM
ajfa-17362	375	11	52	52	NUM
ajfa-17362	375	12	kariuki	kariuki	NOUN
ajfa-17362	375	13	,	,	PUNCT
ajfa-17362	375	14	p.	p.	NOUN
ajfa-17362	375	15	,	,	PUNCT
ajfa-17362	375	16	&	&	CCONJ
ajfa-17362	375	17	peddy	peddy	ADJ
ajfa-17362	375	18	,	,	PUNCT
ajfa-17362	375	19	p.	p.	NOUN
ajfa-17362	375	20	(	(	PUNCT
ajfa-17362	375	21	2017	2017	NUM
ajfa-17362	375	22	)	)	PUNCT
ajfa-17362	375	23	.	.	PUNCT
ajfa-17362	376	1	operationalizing	operationalize	VERB
ajfa-17362	376	2	an	an	DET
ajfa-17362	376	3	effective	effective	ADJ
ajfa-17362	376	4	mentoring	mentoring	NOUN
ajfa-17362	376	5	and	and	CCONJ
ajfa-17362	376	6	evaluation	evaluation	NOUN
ajfa-17362	376	7	system	system	NOUN
ajfa-17362	376	8	for	for	ADP
ajfa-17362	376	9	local	local	ADJ
ajfa-17362	376	10	government	government	NOUN
ajfa-17362	376	11	:	:	PUNCT
ajfa-17362	376	12	consideration	consideration	NOUN
ajfa-17362	376	13	for	for	ADP
ajfa-17362	376	14	the	the	DET
ajfa-17362	376	15	best	good	ADJ
ajfa-17362	376	16	practice	practice	NOUN
ajfa-17362	376	17	.	.	PUNCT
ajfa-17362	377	1	african	african	ADJ
ajfa-17362	377	2	evaluation	evaluation	NOUN
ajfa-17362	377	3	journal	journal	NOUN
ajfa-17362	377	4	,	,	PUNCT
ajfa-17362	377	5	5(2	5(2	NUM
ajfa-17362	377	6	)	)	PUNCT
ajfa-17362	377	7	,	,	PUNCT
ajfa-17362	377	8	1	1	NUM
ajfa-17362	377	9	-	-	SYM
ajfa-17362	377	10	16	16	NUM
ajfa-17362	377	11	.	.	PUNCT
ajfa-17362	378	1	https://doi.org/10.4102/aej.v5i2.240	https://doi.org/10.4102/aej.v5i2.240	PROPN
ajfa-17362	378	2	lyambiko	lyambiko	PROPN
ajfa-17362	378	3	,	,	PUNCT
ajfa-17362	378	4	m.	m.	PROPN
ajfa-17362	378	5	r.	r.	PROPN
ajfa-17362	378	6	(	(	PUNCT
ajfa-17362	378	7	2015	2015	NUM
ajfa-17362	378	8	)	)	PUNCT
ajfa-17362	378	9	.	.	PUNCT
ajfa-17362	379	1	the	the	DET
ajfa-17362	379	2	effect	effect	NOUN
ajfa-17362	379	3	of	of	ADP
ajfa-17362	379	4	financial	financial	ADJ
ajfa-17362	379	5	risk	risk	NOUN
ajfa-17362	379	6	management	management	NOUN
ajfa-17362	379	7	practices	practice	NOUN
ajfa-17362	379	8	on	on	ADP
ajfa-17362	379	9	financial	financial	ADJ
ajfa-17362	379	10	performance	performance	NOUN
ajfa-17362	379	11	in	in	ADP
ajfa-17362	379	12	deposit	deposit	NOUN
ajfa-17362	379	13	money	money	NOUN
ajfa-17362	379	14	banks	bank	NOUN
ajfa-17362	379	15	in	in	ADP
ajfa-17362	379	16	tanzania	tanzania	PROPN
ajfa-17362	379	17	.	.	PUNCT
ajfa-17362	380	1	the	the	DET
ajfa-17362	380	2	university	university	PROPN
ajfa-17362	380	3	of	of	ADP
ajfa-17362	380	4	nairobi	nairobi	PROPN
ajfa-17362	380	5	journal	journal	PROPN
ajfa-17362	380	6	,	,	PUNCT
ajfa-17362	380	7	2(1	2(1	NUM
ajfa-17362	380	8	)	)	PUNCT
ajfa-17362	380	9	,	,	PUNCT
ajfa-17362	380	10	45	45	NUM
ajfa-17362	380	11	-	-	SYM
ajfa-17362	380	12	58	58	NUM
ajfa-17362	380	13	.	.	PUNCT
ajfa-17362	381	1	maixé	maixé	NOUN
ajfa-17362	381	2	-	-	PUNCT
ajfa-17362	381	3	altés	altés	NOUN
ajfa-17362	381	4	,	,	PUNCT
ajfa-17362	381	5	j.	j.	PROPN
ajfa-17362	381	6	c.	c.	PROPN
ajfa-17362	381	7	(	(	PUNCT
ajfa-17362	381	8	2019	2019	NUM
ajfa-17362	381	9	)	)	PUNCT
ajfa-17362	381	10	.	.	PUNCT
ajfa-17362	382	1	the	the	DET
ajfa-17362	382	2	digitalization	digitalization	NOUN
ajfa-17362	382	3	of	of	ADP
ajfa-17362	382	4	banking	banking	NOUN
ajfa-17362	382	5	:	:	PUNCT
ajfa-17362	382	6	a	a	DET
ajfa-17362	382	7	new	new	ADJ
ajfa-17362	382	8	perspective	perspective	NOUN
ajfa-17362	382	9	from	from	ADP
ajfa-17362	382	10	the	the	DET
ajfa-17362	382	11	european	european	ADJ
ajfa-17362	382	12	savings	saving	NOUN
ajfa-17362	382	13	banks	bank	NOUN
ajfa-17362	382	14	industry	industry	NOUN
ajfa-17362	382	15	before	before	ADP
ajfa-17362	382	16	the	the	DET
ajfa-17362	382	17	internet	internet	NOUN
ajfa-17362	382	18	.	.	PUNCT
ajfa-17362	383	1	enterp	enterp	PROPN
ajfa-17362	383	2	.	.	PUNCT
ajfa-17362	384	1	soc	soc	PROPN
ajfa-17362	384	2	.	.	PUNCT
ajfa-17362	385	1	20	20	NUM
ajfa-17362	385	2	,	,	PUNCT
ajfa-17362	385	3	159	159	NUM
ajfa-17362	385	4	-	-	SYM
ajfa-17362	385	5	198	198	NUM
ajfa-17362	385	6	.	.	PUNCT
ajfa-17362	386	1	https://doi.org/10.1017/eso.2018.18	https://doi.org/10.1017/eso.2018.18	PROPN
ajfa-17362	386	2	mostafa	mostafa	PROPN
ajfa-17362	386	3	,	,	PUNCT
ajfa-17362	386	4	z.	z.	PROPN
ajfa-17362	386	5	,	,	PUNCT
ajfa-17362	386	6	mahmoud	mahmoud	PROPN
ajfa-17362	386	7	,	,	PUNCT
ajfa-17362	386	8	b.	b.	PROPN
ajfa-17362	386	9	,	,	PUNCT
ajfa-17362	386	10	jalal	jalal	PROPN
ajfa-17362	386	11	,	,	PUNCT
ajfa-17362	386	12	j.	j.	PROPN
ajfa-17362	386	13	,	,	PUNCT
ajfa-17362	386	14	&	&	CCONJ
ajfa-17362	386	15	elahe	elahe	PROPN
ajfa-17362	386	16	,	,	PUNCT
ajfa-17362	386	17	s.	s.	PROPN
ajfa-17362	386	18	(	(	PUNCT
ajfa-17362	386	19	2016	2016	NUM
ajfa-17362	386	20	)	)	PUNCT
ajfa-17362	386	21	.	.	PUNCT
ajfa-17362	387	1	the	the	DET
ajfa-17362	387	2	relationship	relationship	NOUN
ajfa-17362	387	3	between	between	ADP
ajfa-17362	387	4	financial	financial	ADJ
ajfa-17362	387	5	risk	risk	NOUN
ajfa-17362	387	6	and	and	CCONJ
ajfa-17362	387	7	the	the	DET
ajfa-17362	387	8	profitability	profitability	NOUN
ajfa-17362	387	9	of	of	ADP
ajfa-17362	387	10	the	the	DET
ajfa-17362	387	11	banks	bank	NOUN
ajfa-17362	387	12	listed	list	VERB
ajfa-17362	387	13	on	on	ADP
ajfa-17362	387	14	the	the	DET
ajfa-17362	387	15	tehran	tehran	PROPN
ajfa-17362	387	16	stock	stock	PROPN
ajfa-17362	387	17	exchange	exchange	PROPN
ajfa-17362	387	18	.	.	PUNCT
ajfa-17362	388	1	icp	icp	PROPN
ajfa-17362	388	2	business	business	NOUN
ajfa-17362	388	3	,	,	PUNCT
ajfa-17362	388	4	economics	economic	NOUN
ajfa-17362	388	5	,	,	PUNCT
ajfa-17362	388	6	and	and	CCONJ
ajfa-17362	388	7	finance	finance	NOUN
ajfa-17362	388	8	,	,	PUNCT
ajfa-17362	388	9	3(1	3(1	NUM
ajfa-17362	388	10	)	)	PUNCT
ajfa-17362	388	11	,	,	PUNCT
ajfa-17362	388	12	56	56	NUM
ajfa-17362	388	13	-	-	SYM
ajfa-17362	388	14	0	0	NUM
ajfa-17362	388	15	.	.	PUNCT
ajfa-17362	389	1	muhammad	muhammad	PROPN
ajfa-17362	389	2	,	,	PUNCT
ajfa-17362	389	3	z.	z.	PROPN
ajfa-17362	389	4	,	,	PUNCT
ajfa-17362	389	5	&	&	CCONJ
ajfa-17362	389	6	abdul	abdul	PROPN
ajfa-17362	389	7	,	,	PUNCT
ajfa-17362	389	8	k.	k.	PROPN
ajfa-17362	389	9	(	(	PUNCT
ajfa-17362	389	10	2017	2017	NUM
ajfa-17362	389	11	)	)	PUNCT
ajfa-17362	389	12	.	.	PUNCT
ajfa-17362	390	1	financial	financial	ADJ
ajfa-17362	390	2	risk	risk	NOUN
ajfa-17362	390	3	and	and	CCONJ
ajfa-17362	390	4	performance	performance	NOUN
ajfa-17362	390	5	:	:	PUNCT
ajfa-17362	390	6	empirical	empirical	ADJ
ajfa-17362	390	7	evidence	evidence	NOUN
ajfa-17362	390	8	from	from	ADP
ajfa-17362	390	9	ocbc	ocbc	PROPN
ajfa-17362	390	10	bank	bank	PROPN
ajfa-17362	390	11	(	(	PUNCT
ajfa-17362	390	12	malaysia	malaysia	PROPN
ajfa-17362	390	13	)	)	PUNCT
ajfa-17362	390	14	berhad	berhad	PROPN
ajfa-17362	390	15	.	.	PUNCT
ajfa-17362	391	1	https://mpra.ub.unimuenchen.de/78348/.	https://mpra.ub.unimuenchen.de/78348/.	AUX
ajfa-17362	391	2	retrieved	retrieve	VERB
ajfa-17362	391	3	,	,	PUNCT
ajfa-17362	391	4	12/4/2019	12/4/2019	NUM
ajfa-17362	391	5	.	.	PUNCT
ajfa-17362	392	1	muriithi	muriithi	PROPN
ajfa-17362	392	2	,	,	PUNCT
ajfa-17362	392	3	j.	j.	PROPN
ajfa-17362	392	4	g.	g.	PROPN
ajfa-17362	392	5	,	,	PUNCT
ajfa-17362	392	6	&	&	CCONJ
ajfa-17362	392	7	muigai	muigai	PROPN
ajfa-17362	392	8	,	,	PUNCT
ajfa-17362	392	9	r.	r.	PROPN
ajfa-17362	392	10	g.	g.	PROPN
ajfa-17362	392	11	(	(	PUNCT
ajfa-17362	392	12	2017	2017	NUM
ajfa-17362	392	13	)	)	PUNCT
ajfa-17362	392	14	.	.	PUNCT
ajfa-17362	393	1	quantitative	quantitative	ADJ
ajfa-17362	393	2	analysis	analysis	NOUN
ajfa-17362	393	3	of	of	ADP
ajfa-17362	393	4	financial	financial	ADJ
ajfa-17362	393	5	risk	risk	NOUN
ajfa-17362	393	6	and	and	CCONJ
ajfa-17362	393	7	profitability	profitability	NOUN
ajfa-17362	393	8	of	of	ADP
ajfa-17362	393	9	kenyan	kenyan	ADJ
ajfa-17362	393	10	deposit	deposit	NOUN
ajfa-17362	393	11	money	money	NOUN
ajfa-17362	393	12	banks	bank	NOUN
ajfa-17362	393	13	using	use	VERB
ajfa-17362	393	14	cost	cost	NOUN
ajfa-17362	393	15	income	income	NOUN
ajfa-17362	393	16	ratio	ratio	NOUN
ajfa-17362	393	17	.	.	PUNCT
ajfa-17362	394	1	journal	journal	PROPN
ajfa-17362	394	2	of	of	ADP
ajfa-17362	394	3	economics	economic	NOUN
ajfa-17362	394	4	and	and	CCONJ
ajfa-17362	394	5	finance	finance	NOUN
ajfa-17362	394	6	,	,	PUNCT
ajfa-17362	394	7	8(3	8(3	NUM
ajfa-17362	394	8	)	)	PUNCT
ajfa-17362	394	9	,	,	PUNCT
ajfa-17362	394	10	76	76	NUM
ajfa-17362	394	11	-	-	SYM
ajfa-17362	394	12	83	83	NUM
ajfa-17362	394	13	.	.	PUNCT
ajfa-17362	395	1	https://doi.org/10.9790/5933-0803047683	https://doi.org/10.9790/5933-0803047683	PROPN
ajfa-17362	395	2	nabweteme	nabweteme	ADJ
ajfa-17362	395	3	s.	s.	PROPN
ajfa-17362	395	4	g.	g.	PROPN
ajfa-17362	395	5	(	(	PUNCT
ajfa-17362	395	6	2015	2015	NUM
ajfa-17362	395	7	)	)	PUNCT
ajfa-17362	395	8	.	.	PUNCT
ajfa-17362	396	1	financial	financial	ADJ
ajfa-17362	396	2	risk	risk	NOUN
ajfa-17362	396	3	management	management	NOUN
ajfa-17362	396	4	,	,	PUNCT
ajfa-17362	396	5	organizational	organizational	ADJ
ajfa-17362	396	6	environment	environment	NOUN
ajfa-17362	396	7	,	,	PUNCT
ajfa-17362	396	8	and	and	CCONJ
ajfa-17362	396	9	organizational	organizational	ADJ
ajfa-17362	396	10	performance	performance	NOUN
ajfa-17362	396	11	at	at	ADP
ajfa-17362	396	12	stanbic	stanbic	PROPN
ajfa-17362	396	13	bank	bank	PROPN
ajfa-17362	396	14	uganda	uganda	PROPN
ajfa-17362	396	15	limited	limit	VERB
ajfa-17362	396	16	.	.	PUNCT
ajfa-17362	397	1	journal	journal	PROPN
ajfa-17362	397	2	of	of	ADP
ajfa-17362	397	3	contemporary	contemporary	PROPN
ajfa-17362	397	4	business	business	NOUN
ajfa-17362	397	5	and	and	CCONJ
ajfa-17362	397	6	economics	economic	NOUN
ajfa-17362	397	7	,	,	PUNCT
ajfa-17362	397	8	1(1	1(1	NUM
ajfa-17362	397	9	)	)	PUNCT
ajfa-17362	397	10	,	,	PUNCT
ajfa-17362	397	11	12	12	NUM
ajfa-17362	397	12	-	-	SYM
ajfa-17362	397	13	28	28	NUM
ajfa-17362	397	14	.	.	PUNCT
ajfa-17362	398	1	nurlida	nurlida	ADV
ajfa-17362	398	2	,	,	PUNCT
ajfa-17362	398	3	m.	m.	NOUN
ajfa-17362	398	4	a.	a.	NOUN
ajfa-17362	398	5	(	(	PUNCT
ajfa-17362	398	6	2017	2017	NUM
ajfa-17362	398	7	)	)	PUNCT
ajfa-17362	398	8	.	.	PUNCT
ajfa-17362	399	1	the	the	DET
ajfa-17362	399	2	relationship	relationship	NOUN
ajfa-17362	399	3	between	between	ADP
ajfa-17362	399	4	risk	risk	NOUN
ajfa-17362	399	5	and	and	CCONJ
ajfa-17362	399	6	performance	performance	NOUN
ajfa-17362	399	7	in	in	ADP
ajfa-17362	399	8	bank	bank	NOUN
ajfa-17362	399	9	.	.	PUNCT
ajfa-17362	400	1	available	available	ADJ
ajfa-17362	400	2	at	at	ADP
ajfa-17362	400	3	:	:	PUNCT
ajfa-17362	400	4	https://mpra.ub.uni-muenchen.de/78334/.	https://mpra.ub.uni-muenchen.de/78334/.	PROPN
ajfa-17362	400	5	accessed	access	VERB
ajfa-17362	400	6	11th	11th	ADJ
ajfa-17362	400	7	june	june	PROPN
ajfa-17362	400	8	2020	2020	NUM
ajfa-17362	400	9	.	.	PUNCT
ajfa-17362	401	1	asian	asian	ADJ
ajfa-17362	401	2	journal	journal	PROPN
ajfa-17362	401	3	of	of	ADP
ajfa-17362	401	4	finance	finance	PROPN
ajfa-17362	401	5	&	&	CCONJ
ajfa-17362	401	6	accounting	accounting	PROPN
ajfa-17362	401	7	issn	issn	PROPN
ajfa-17362	401	8	1946	1946	NUM
ajfa-17362	401	9	-	-	PUNCT
ajfa-17362	401	10	052x	052x	NOUN
ajfa-17362	401	11	2020	2020	NUM
ajfa-17362	401	12	,	,	PUNCT
ajfa-17362	401	13	vol	vol	NOUN
ajfa-17362	401	14	.	.	PROPN
ajfa-17362	401	15	12	12	NUM
ajfa-17362	401	16	,	,	PUNCT
ajfa-17362	401	17	no	no	INTJ
ajfa-17362	401	18	.	.	NOUN
ajfa-17362	401	19	2	2	NUM
ajfa-17362	401	20	ajfa.macrothink.org/	ajfa.macrothink.org/	NOUN
ajfa-17362	401	21	21	21	NUM
ajfa-17362	401	22	nwaze	nwaze	NOUN
ajfa-17362	401	23	,	,	PUNCT
ajfa-17362	401	24	c.	c.	NOUN
ajfa-17362	401	25	(	(	PUNCT
ajfa-17362	401	26	2011	2011	NUM
ajfa-17362	401	27	)	)	PUNCT
ajfa-17362	401	28	.	.	PUNCT
ajfa-17362	402	1	corruption	corruption	NOUN
ajfa-17362	402	2	in	in	ADP
ajfa-17362	402	3	nigeria	nigeria	PROPN
ajfa-17362	402	4	exposed	expose	VERB
ajfa-17362	402	5	.	.	PUNCT
ajfa-17362	403	1	(	(	PUNCT
ajfa-17362	403	2	1st	1st	ADJ
ajfa-17362	403	3	ed	ed	NOUN
ajfa-17362	403	4	)	)	PUNCT
ajfa-17362	403	5	.	.	PUNCT
ajfa-17362	404	1	control	control	NOUN
ajfa-17362	404	2	and	and	CCONJ
ajfa-17362	404	3	surveillance	surveillance	NOUN
ajfa-17362	404	4	associates	associate	NOUN
ajfa-17362	404	5	limited	limit	VERB
ajfa-17362	404	6	,	,	PUNCT
ajfa-17362	404	7	lagos	lagos	PROPN
ajfa-17362	404	8	nigeria	nigeria	PROPN
ajfa-17362	404	9	ogbuagu	ogbuagu	PROPN
ajfa-17362	404	10	,	,	PUNCT
ajfa-17362	404	11	u.	u.	PROPN
ajfa-17362	404	12	,	,	PUNCT
ajfa-17362	404	13	ubi	ubi	PROPN
ajfa-17362	404	14	,	,	PUNCT
ajfa-17362	404	15	p.	p.	NOUN
ajfa-17362	404	16	,	,	PUNCT
ajfa-17362	404	17	&	&	CCONJ
ajfa-17362	404	18	effiom	effiom	PROPN
ajfa-17362	404	19	,	,	PUNCT
ajfa-17362	404	20	l.	l.	PROPN
ajfa-17362	404	21	(	(	PUNCT
ajfa-17362	404	22	2014	2014	NUM
ajfa-17362	404	23	)	)	PUNCT
ajfa-17362	404	24	.	.	PUNCT
ajfa-17362	405	1	corruption	corruption	NOUN
ajfa-17362	405	2	and	and	CCONJ
ajfa-17362	405	3	infrastructural	infrastructural	ADJ
ajfa-17362	405	4	decay	decay	NOUN
ajfa-17362	405	5	:	:	PUNCT
ajfa-17362	405	6	perceptible	perceptible	ADJ
ajfa-17362	405	7	evidence	evidence	NOUN
ajfa-17362	405	8	from	from	ADP
ajfa-17362	405	9	nigeria	nigeria	PROPN
ajfa-17362	405	10	.	.	PUNCT
ajfa-17362	406	1	journal	journal	PROPN
ajfa-17362	406	2	of	of	ADP
ajfa-17362	406	3	economics	economic	NOUN
ajfa-17362	406	4	and	and	CCONJ
ajfa-17362	406	5	sustainable	sustainable	ADJ
ajfa-17362	406	6	development	development	NOUN
ajfa-17362	406	7	,	,	PUNCT
ajfa-17362	406	8	10(5	10(5	NUM
ajfa-17362	406	9	)	)	PUNCT
ajfa-17362	406	10	,	,	PUNCT
ajfa-17362	406	11	1	1	NUM
ajfa-17362	406	12	-	-	SYM
ajfa-17362	406	13	14	14	NUM
ajfa-17362	406	14	olabamiji	olabamiji	NOUN
ajfa-17362	406	15	,	,	PUNCT
ajfa-17362	406	16	o.	o.	PROPN
ajfa-17362	406	17	,	,	PUNCT
ajfa-17362	406	18	&	&	CCONJ
ajfa-17362	406	19	michael	michael	PROPN
ajfa-17362	406	20	,	,	PUNCT
ajfa-17362	406	21	o.	o.	PROPN
ajfa-17362	406	22	(	(	PUNCT
ajfa-17362	406	23	2018	2018	NUM
ajfa-17362	406	24	)	)	PUNCT
ajfa-17362	406	25	.	.	PUNCT
ajfa-17362	407	1	credit	credit	NOUN
ajfa-17362	407	2	management	management	NOUN
ajfa-17362	407	3	practices	practice	NOUN
ajfa-17362	407	4	and	and	CCONJ
ajfa-17362	407	5	bank	bank	NOUN
ajfa-17362	407	6	performance	performance	NOUN
ajfa-17362	407	7	:	:	PUNCT
ajfa-17362	407	8	evidence	evidence	NOUN
ajfa-17362	407	9	from	from	ADP
ajfa-17362	407	10	the	the	DET
ajfa-17362	407	11	first	first	ADJ
ajfa-17362	407	12	bank	bank	NOUN
ajfa-17362	407	13	.	.	PUNCT
ajfa-17362	408	1	south	south	ADJ
ajfa-17362	408	2	asian	asian	PROPN
ajfa-17362	408	3	journal	journal	PROPN
ajfa-17362	408	4	of	of	ADP
ajfa-17362	408	5	social	social	ADJ
ajfa-17362	408	6	studies	study	NOUN
ajfa-17362	408	7	and	and	CCONJ
ajfa-17362	408	8	economics	economic	NOUN
ajfa-17362	408	9	,	,	PUNCT
ajfa-17362	408	10	1(1	1(1	NUM
ajfa-17362	408	11	)	)	PUNCT
ajfa-17362	408	12	,	,	PUNCT
ajfa-17362	408	13	1	1	NUM
ajfa-17362	408	14	-	-	SYM
ajfa-17362	408	15	10	10	NUM
ajfa-17362	408	16	.	.	PUNCT
ajfa-17362	409	1	https://doi.org/10.9734/sajsse/2018/v1i125772	https://doi.org/10.9734/sajsse/2018/v1i125772	NOUN
ajfa-17362	409	2	olalere	olalere	ADV
ajfa-17362	409	3	,	,	PUNCT
ajfa-17362	409	4	o.	o.	PROPN
ajfa-17362	409	5	e.	e.	PROPN
ajfa-17362	409	6	&	&	CCONJ
ajfa-17362	409	7	wan	wan	PROPN
ajfa-17362	409	8	,	,	PUNCT
ajfa-17362	409	9	w.	w.	PROPN
ajfa-17362	409	10	o.	o.	PROPN
ajfa-17362	409	11	(	(	PUNCT
ajfa-17362	409	12	2018	2018	NUM
ajfa-17362	409	13	)	)	PUNCT
ajfa-17362	409	14	.	.	PUNCT
ajfa-17362	410	1	the	the	DET
ajfa-17362	410	2	empirical	empirical	ADJ
ajfa-17362	410	3	effects	effect	NOUN
ajfa-17362	410	4	of	of	ADP
ajfa-17362	410	5	credit	credit	NOUN
ajfa-17362	410	6	risk	risk	NOUN
ajfa-17362	410	7	on	on	ADP
ajfa-17362	410	8	the	the	DET
ajfa-17362	410	9	profitability	profitability	NOUN
ajfa-17362	410	10	of	of	ADP
ajfa-17362	410	11	deposit	deposit	NOUN
ajfa-17362	410	12	money	money	NOUN
ajfa-17362	410	13	banks	bank	NOUN
ajfa-17362	410	14	:	:	PUNCT
ajfa-17362	410	15	evidence	evidence	NOUN
ajfa-17362	410	16	from	from	ADP
ajfa-17362	410	17	nigeria	nigeria	PROPN
ajfa-17362	410	18	.	.	PUNCT
ajfa-17362	411	1	international	international	ADJ
ajfa-17362	411	2	journal	journal	PROPN
ajfa-17362	411	3	of	of	ADP
ajfa-17362	411	4	science	science	NOUN
ajfa-17362	411	5	and	and	CCONJ
ajfa-17362	411	6	research	research	NOUN
ajfa-17362	411	7	,	,	PUNCT
ajfa-17362	411	8	5(8	5(8	NUM
ajfa-17362	411	9	)	)	PUNCT
ajfa-17362	411	10	,	,	PUNCT
ajfa-17362	411	11	1645	1645	NUM
ajfa-17362	411	12	-	-	SYM
ajfa-17362	411	13	1650	1650	NUM
ajfa-17362	411	14	olaoye	olaoye	NOUN
ajfa-17362	411	15	,	,	PUNCT
ajfa-17362	411	16	s.	s.	PROPN
ajfa-17362	411	17	a.	a.	PROPN
ajfa-17362	411	18	,	,	PUNCT
ajfa-17362	411	19	&	&	CCONJ
ajfa-17362	411	20	aguguom	aguguom	NOUN
ajfa-17362	411	21	,	,	PUNCT
ajfa-17362	411	22	t.	t.	PROPN
ajfa-17362	411	23	a	a	PRON
ajfa-17362	411	24	(	(	PUNCT
ajfa-17362	411	25	2017	2017	NUM
ajfa-17362	411	26	)	)	PUNCT
ajfa-17362	411	27	.	.	PUNCT
ajfa-17362	412	1	a	a	DET
ajfa-17362	412	2	tax	tax	NOUN
ajfa-17362	412	3	base	base	NOUN
ajfa-17362	412	4	erosion	erosion	NOUN
ajfa-17362	412	5	and	and	CCONJ
ajfa-17362	412	6	profit	profit	NOUN
ajfa-17362	412	7	shifting	shift	VERB
ajfa-17362	412	8	through	through	ADP
ajfa-17362	412	9	transfer	transfer	NOUN
ajfa-17362	412	10	pricing	pricing	NOUN
ajfa-17362	412	11	:	:	PUNCT
ajfa-17362	412	12	evidence	evidence	NOUN
ajfa-17362	412	13	from	from	ADP
ajfa-17362	412	14	nigeria	nigeria	PROPN
ajfa-17362	412	15	.	.	PUNCT
ajfa-17362	413	1	journal	journal	PROPN
ajfa-17362	413	2	of	of	ADP
ajfa-17362	413	3	business	business	PROPN
ajfa-17362	413	4	administration	administration	PROPN
ajfa-17362	413	5	and	and	CCONJ
ajfa-17362	413	6	management	management	NOUN
ajfa-17362	413	7	sciences	sciences	PROPN
ajfa-17362	413	8	research	research	NOUN
ajfa-17362	413	9	,	,	PUNCT
ajfa-17362	413	10	6(1	6(1	NUM
ajfa-17362	413	11	)	)	PUNCT
ajfa-17362	413	12	,	,	PUNCT
ajfa-17362	413	13	001	001	NUM
ajfa-17362	413	14	-	-	PUNCT
ajfa-17362	413	15	012	012	NUM
ajfa-17362	413	16	.	.	PUNCT
ajfa-17362	414	1	pracoyo	pracoyo	ADJ
ajfa-17362	414	2	,	,	PUNCT
ajfa-17362	414	3	a.	a.	PROPN
ajfa-17362	414	4	,	,	PUNCT
ajfa-17362	414	5	&	&	CCONJ
ajfa-17362	414	6	imani	imani	PROPN
ajfa-17362	414	7	,	,	PUNCT
ajfa-17362	414	8	a.	a.	NOUN
ajfa-17362	414	9	(	(	PUNCT
ajfa-17362	414	10	2018	2018	NUM
ajfa-17362	414	11	)	)	PUNCT
ajfa-17362	414	12	.	.	PUNCT
ajfa-17362	415	1	analysis	analysis	NOUN
ajfa-17362	415	2	of	of	ADP
ajfa-17362	415	3	the	the	DET
ajfa-17362	415	4	effect	effect	NOUN
ajfa-17362	415	5	of	of	ADP
ajfa-17362	415	6	capital	capital	NOUN
ajfa-17362	415	7	,	,	PUNCT
ajfa-17362	415	8	credit	credit	NOUN
ajfa-17362	415	9	risk	risk	NOUN
ajfa-17362	415	10	,	,	PUNCT
ajfa-17362	415	11	and	and	CCONJ
ajfa-17362	415	12	liquidity	liquidity	NOUN
ajfa-17362	415	13	risk	risk	NOUN
ajfa-17362	415	14	on	on	ADP
ajfa-17362	415	15	profitability	profitability	NOUN
ajfa-17362	415	16	in	in	ADP
ajfa-17362	415	17	banks	bank	NOUN
ajfa-17362	415	18	.	.	PUNCT
ajfa-17362	416	1	jurnal	jurnal	ADJ
ajfa-17362	416	2	ilmu	ilmu	PROPN
ajfa-17362	416	3	manajemen	manajeman	NOUN
ajfa-17362	416	4	&	&	CCONJ
ajfa-17362	416	5	ekonomika	ekonomika	X
ajfa-17362	416	6	,	,	PUNCT
ajfa-17362	416	7	10(2	10(2	NUM
ajfa-17362	416	8	)	)	PUNCT
ajfa-17362	416	9	,	,	PUNCT
ajfa-17362	416	10	44	44	NUM
ajfa-17362	416	11	-	-	SYM
ajfa-17362	416	12	50	50	NUM
ajfa-17362	416	13	https://doi.org/10.35384/jime.v10i2.80	https://doi.org/10.35384/jime.v10i2.80	PROPN
ajfa-17362	416	14	sharfman	sharfman	NOUN
ajfa-17362	416	15	,	,	PUNCT
ajfa-17362	416	16	b.	b.	PROPN
ajfa-17362	416	17	(	(	PUNCT
ajfa-17362	416	18	2013	2013	NUM
ajfa-17362	416	19	)	)	PUNCT
ajfa-17362	416	20	.	.	PUNCT
ajfa-17362	417	1	shareholder	shareholder	NOUN
ajfa-17362	417	2	wealth	wealth	NOUN
ajfa-17362	417	3	maximization	maximization	NOUN
ajfa-17362	417	4	and	and	CCONJ
ajfa-17362	417	5	its	its	PRON
ajfa-17362	417	6	implementation	implementation	NOUN
ajfa-17362	417	7	under	under	ADP
ajfa-17362	417	8	corporate	corporate	ADJ
ajfa-17362	417	9	law	law	NOUN
ajfa-17362	417	10	.	.	PUNCT
ajfa-17362	418	1	florida	florida	PROPN
ajfa-17362	418	2	law	law	NOUN
ajfa-17362	418	3	reviews	review	NOUN
ajfa-17362	418	4	,	,	PUNCT
ajfa-17362	418	5	4th	4th	ADJ
ajfa-17362	418	6	june	june	PROPN
ajfa-17362	418	7	2013	2013	NUM
ajfa-17362	418	8	.	.	PUNCT
ajfa-17362	419	1	https://doi.org/10.2139/ssrn.2129376	https://doi.org/10.2139/ssrn.2129376	NOUN
ajfa-17362	419	2	sempabwa	sempabwa	PROPN
ajfa-17362	419	3	,	,	PUNCT
ajfa-17362	419	4	e.	e.	PROPN
ajfa-17362	419	5	,	,	PUNCT
ajfa-17362	419	6	&	&	CCONJ
ajfa-17362	419	7	kariuki	kariuki	PROPN
ajfa-17362	419	8	,	,	PUNCT
ajfa-17362	419	9	p.	p.	NOUN
ajfa-17362	419	10	(	(	PUNCT
ajfa-17362	419	11	2017	2017	NUM
ajfa-17362	419	12	)	)	PUNCT
ajfa-17362	419	13	.	.	PUNCT
ajfa-17362	420	1	enterprise	enterprise	NOUN
ajfa-17362	420	2	risk	risk	NOUN
ajfa-17362	420	3	management	management	NOUN
ajfa-17362	420	4	practices	practice	NOUN
ajfa-17362	420	5	and	and	CCONJ
ajfa-17362	420	6	financial	financial	ADJ
ajfa-17362	420	7	performance	performance	NOUN
ajfa-17362	420	8	of	of	ADP
ajfa-17362	420	9	deposit	deposit	NOUN
ajfa-17362	420	10	money	money	NOUN
ajfa-17362	420	11	banks	bank	NOUN
ajfa-17362	420	12	in	in	ADP
ajfa-17362	420	13	rwanda	rwanda	PROPN
ajfa-17362	420	14	.	.	PUNCT
ajfa-17362	421	1	european	european	PROPN
ajfa-17362	421	2	journal	journal	PROPN
ajfa-17362	421	3	of	of	ADP
ajfa-17362	421	4	business	business	NOUN
ajfa-17362	421	5	and	and	CCONJ
ajfa-17362	421	6	social	social	ADJ
ajfa-17362	421	7	sciences	science	NOUN
ajfa-17362	421	8	,	,	PUNCT
ajfa-17362	421	9	6(6	6(6	ADJ
ajfa-17362	421	10	)	)	PUNCT
ajfa-17362	421	11	,	,	PUNCT
ajfa-17362	421	12	112	112	NUM
ajfa-17362	421	13	127	127	NUM