id	sid	tid	token	lemma	pos
ajfa-4326	1	1	microsoft	microsoft	PROPN
ajfa-4326	1	2	word	word	NOUN
ajfa-4326	1	3	4326-15990-1-sm-writer2-new.docx	4326-15990-1-sm-writer2-new.docx	NUM
ajfa-4326	1	4	asian	asian	ADJ
ajfa-4326	1	5	journal	journal	NOUN
ajfa-4326	1	6	of	of	ADP
ajfa-4326	1	7	finance	finance	PROPN
ajfa-4326	1	8	&	&	CCONJ
ajfa-4326	1	9	accounting	accounting	PROPN
ajfa-4326	1	10	issn	issn	PROPN
ajfa-4326	1	11	1946	1946	NUM
ajfa-4326	1	12	-	-	PUNCT
ajfa-4326	1	13	052x	052x	NOUN
ajfa-4326	1	14	2013	2013	NUM
ajfa-4326	1	15	,	,	PUNCT
ajfa-4326	1	16	vol	vol	NOUN
ajfa-4326	1	17	.	.	PROPN
ajfa-4326	1	18	5	5	NUM
ajfa-4326	1	19	,	,	PUNCT
ajfa-4326	1	20	no	no	INTJ
ajfa-4326	1	21	.	.	NOUN
ajfa-4326	1	22	2	2	NUM
ajfa-4326	1	23	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	1	24	220	220	NUM
ajfa-4326	1	25	efficiency	efficiency	NOUN
ajfa-4326	1	26	and	and	CCONJ
ajfa-4326	1	27	productivity	productivity	NOUN
ajfa-4326	1	28	of	of	ADP
ajfa-4326	1	29	commercial	commercial	ADJ
ajfa-4326	1	30	banks	bank	NOUN
ajfa-4326	1	31	in	in	ADP
ajfa-4326	1	32	nepal	nepal	ADJ
ajfa-4326	1	33	:	:	PUNCT
ajfa-4326	1	34	a	a	DET
ajfa-4326	1	35	malmquist	malmquist	NOUN
ajfa-4326	1	36	index	index	NOUN
ajfa-4326	1	37	approach	approach	NOUN
ajfa-4326	1	38	biwesh	biwesh	PROPN
ajfa-4326	1	39	neupane	neupane	PROPN
ajfa-4326	1	40	research	research	PROPN
ajfa-4326	1	41	and	and	CCONJ
ajfa-4326	1	42	investment	investment	NOUN
ajfa-4326	1	43	department	department	PROPN
ajfa-4326	1	44	,	,	PUNCT
ajfa-4326	1	45	kriti	kriti	PROPN
ajfa-4326	1	46	captial	captial	PROPN
ajfa-4326	1	47	&	&	CCONJ
ajfa-4326	1	48	investments	investments	PROPN
ajfa-4326	1	49	ltd	ltd	PROPN
ajfa-4326	1	50	.	.	PROPN
ajfa-4326	1	51	mathuri	mathuri	PROPN
ajfa-4326	1	52	sadan	sadan	PROPN
ajfa-4326	1	53	,	,	PUNCT
ajfa-4326	1	54	ravibhawan	ravibhawan	PROPN
ajfa-4326	1	55	,	,	PUNCT
ajfa-4326	1	56	kathmandu	kathmandu	NOUN
ajfa-4326	1	57	,	,	PUNCT
ajfa-4326	1	58	nepal	nepal	ADJ
ajfa-4326	1	59	tel	tel	NOUN
ajfa-4326	1	60	:	:	PUNCT
ajfa-4326	1	61	977	977	NUM
ajfa-4326	1	62	-	-	SYM
ajfa-4326	1	63	01	01	NUM
ajfa-4326	1	64	-	-	PUNCT
ajfa-4326	1	65	427	427	NUM
ajfa-4326	1	66	-	-	PUNCT
ajfa-4326	1	67	6786	6786	NUM
ajfa-4326	1	68	,	,	PUNCT
ajfa-4326	1	69	977	977	NUM
ajfa-4326	1	70	-	-	SYM
ajfa-4326	1	71	01	01	NUM
ajfa-4326	1	72	-	-	PUNCT
ajfa-4326	1	73	428	428	NUM
ajfa-4326	1	74	-	-	PUNCT
ajfa-4326	1	75	1776	1776	NUM
ajfa-4326	1	76	e	e	NOUN
ajfa-4326	1	77	-	-	NOUN
ajfa-4326	1	78	mail	mail	NOUN
ajfa-4326	1	79	:	:	PUNCT
ajfa-4326	1	80	biwesh@kriticapital.com.np	biwesh@kriticapital.com.np	NOUN
ajfa-4326	1	81	received	receive	VERB
ajfa-4326	1	82	:	:	PUNCT
ajfa-4326	2	1	sep	sep	PROPN
ajfa-4326	2	2	.	.	PROPN
ajfa-4326	2	3	26	26	NUM
ajfa-4326	2	4	,	,	PUNCT
ajfa-4326	2	5	2013	2013	NUM
ajfa-4326	2	6	accepted	accept	VERB
ajfa-4326	2	7	:	:	PUNCT
ajfa-4326	2	8	november	november	PROPN
ajfa-4326	2	9	13	13	NUM
ajfa-4326	2	10	,	,	PUNCT
ajfa-4326	2	11	2013	2013	NUM
ajfa-4326	2	12	published	publish	VERB
ajfa-4326	2	13	:	:	PUNCT
ajfa-4326	2	14	december	december	PROPN
ajfa-4326	2	15	1	1	NUM
ajfa-4326	2	16	,	,	PUNCT
ajfa-4326	2	17	2013	2013	NUM
ajfa-4326	2	18	doi:10.5296	doi:10.5296	NOUN
ajfa-4326	2	19	/	/	SYM
ajfa-4326	2	20	ajfa.v5i2.4326	ajfa.v5i2.4326	NUM
ajfa-4326	2	21	url	url	NOUN
ajfa-4326	2	22	:	:	PUNCT
ajfa-4326	2	23	http://dx.doi.org/10.5296/ajfa.v5i2.4326	http://dx.doi.org/10.5296/ajfa.v5i2.4326	NOUN
ajfa-4326	2	24	abstract	abstract	ADP
ajfa-4326	2	25	this	this	DET
ajfa-4326	2	26	study	study	NOUN
ajfa-4326	2	27	investigates	investigate	VERB
ajfa-4326	2	28	the	the	DET
ajfa-4326	2	29	change	change	NOUN
ajfa-4326	2	30	in	in	ADP
ajfa-4326	2	31	efficiency	efficiency	NOUN
ajfa-4326	2	32	and	and	CCONJ
ajfa-4326	2	33	productivity	productivity	NOUN
ajfa-4326	2	34	of	of	ADP
ajfa-4326	2	35	banking	banking	NOUN
ajfa-4326	2	36	industry	industry	NOUN
ajfa-4326	2	37	during	during	ADP
ajfa-4326	2	38	the	the	DET
ajfa-4326	2	39	period	period	NOUN
ajfa-4326	2	40	of	of	ADP
ajfa-4326	2	41	2007/08	2007/08	NUM
ajfa-4326	2	42	to	to	ADP
ajfa-4326	2	43	2011/12	2011/12	NUM
ajfa-4326	2	44	and	and	CCONJ
ajfa-4326	2	45	analyzes	analyze	VERB
ajfa-4326	2	46	the	the	DET
ajfa-4326	2	47	effects	effect	NOUN
ajfa-4326	2	48	of	of	ADP
ajfa-4326	2	49	various	various	ADJ
ajfa-4326	2	50	indicators	indicator	NOUN
ajfa-4326	2	51	on	on	ADP
ajfa-4326	2	52	the	the	DET
ajfa-4326	2	53	efficiency	efficiency	NOUN
ajfa-4326	2	54	of	of	ADP
ajfa-4326	2	55	the	the	DET
ajfa-4326	2	56	twenty	twenty	NUM
ajfa-4326	2	57	two	two	NUM
ajfa-4326	2	58	commercial	commercial	ADJ
ajfa-4326	2	59	banks	bank	NOUN
ajfa-4326	2	60	in	in	ADP
ajfa-4326	2	61	nepal	nepal	PROPN
ajfa-4326	2	62	.	.	PUNCT
ajfa-4326	3	1	malmquist	malmquist	PROPN
ajfa-4326	3	2	index	index	NOUN
ajfa-4326	3	3	is	be	AUX
ajfa-4326	3	4	used	use	VERB
ajfa-4326	3	5	as	as	ADP
ajfa-4326	3	6	to	to	PART
ajfa-4326	3	7	measure	measure	VERB
ajfa-4326	3	8	the	the	DET
ajfa-4326	3	9	efficiency	efficiency	NOUN
ajfa-4326	3	10	and	and	CCONJ
ajfa-4326	3	11	productivity	productivity	NOUN
ajfa-4326	3	12	where	where	SCONJ
ajfa-4326	3	13	as	as	SCONJ
ajfa-4326	3	14	tobit	tobit	NOUN
ajfa-4326	3	15	regression	regression	NOUN
ajfa-4326	3	16	is	be	AUX
ajfa-4326	3	17	used	use	VERB
ajfa-4326	3	18	as	as	ADP
ajfa-4326	3	19	to	to	PART
ajfa-4326	3	20	analyze	analyze	VERB
ajfa-4326	3	21	the	the	DET
ajfa-4326	3	22	determinants	determinant	NOUN
ajfa-4326	3	23	of	of	ADP
ajfa-4326	3	24	efficiency	efficiency	NOUN
ajfa-4326	3	25	.	.	PUNCT
ajfa-4326	4	1	overall	overall	ADV
ajfa-4326	4	2	,	,	PUNCT
ajfa-4326	4	3	the	the	DET
ajfa-4326	4	4	results	result	NOUN
ajfa-4326	4	5	show	show	VERB
ajfa-4326	4	6	that	that	SCONJ
ajfa-4326	4	7	the	the	DET
ajfa-4326	4	8	productivity	productivity	NOUN
ajfa-4326	4	9	change	change	NOUN
ajfa-4326	4	10	of	of	ADP
ajfa-4326	4	11	commercial	commercial	ADJ
ajfa-4326	4	12	banks	bank	NOUN
ajfa-4326	4	13	in	in	ADP
ajfa-4326	4	14	nepal	nepal	NOUN
ajfa-4326	4	15	has	have	AUX
ajfa-4326	4	16	improved	improve	VERB
ajfa-4326	4	17	over	over	ADP
ajfa-4326	4	18	the	the	DET
ajfa-4326	4	19	sample	sample	NOUN
ajfa-4326	4	20	period	period	NOUN
ajfa-4326	4	21	and	and	CCONJ
ajfa-4326	4	22	that	that	SCONJ
ajfa-4326	4	23	the	the	DET
ajfa-4326	4	24	increase	increase	NOUN
ajfa-4326	4	25	in	in	ADP
ajfa-4326	4	26	productivity	productivity	NOUN
ajfa-4326	4	27	change	change	NOUN
ajfa-4326	4	28	in	in	ADP
ajfa-4326	4	29	nepalese	nepalese	ADJ
ajfa-4326	4	30	commercial	commercial	ADJ
ajfa-4326	4	31	banks	bank	NOUN
ajfa-4326	4	32	is	be	AUX
ajfa-4326	4	33	due	due	ADJ
ajfa-4326	4	34	to	to	ADP
ajfa-4326	4	35	the	the	DET
ajfa-4326	4	36	technical	technical	ADJ
ajfa-4326	4	37	progress	progress	NOUN
ajfa-4326	4	38	rather	rather	ADV
ajfa-4326	4	39	than	than	ADP
ajfa-4326	4	40	efficiency	efficiency	NOUN
ajfa-4326	4	41	components	component	NOUN
ajfa-4326	4	42	.	.	PUNCT
ajfa-4326	5	1	it	it	PRON
ajfa-4326	5	2	also	also	ADV
ajfa-4326	5	3	reports	report	VERB
ajfa-4326	5	4	that	that	SCONJ
ajfa-4326	5	5	the	the	DET
ajfa-4326	5	6	decline	decline	NOUN
ajfa-4326	5	7	in	in	ADP
ajfa-4326	5	8	efficiency	efficiency	NOUN
ajfa-4326	5	9	change	change	NOUN
ajfa-4326	5	10	is	be	AUX
ajfa-4326	5	11	due	due	ADJ
ajfa-4326	5	12	to	to	PART
ajfa-4326	5	13	decline	decline	VERB
ajfa-4326	5	14	in	in	ADP
ajfa-4326	5	15	both	both	CCONJ
ajfa-4326	5	16	pure	pure	ADJ
ajfa-4326	5	17	efficiency	efficiency	NOUN
ajfa-4326	5	18	change	change	NOUN
ajfa-4326	5	19	and	and	CCONJ
ajfa-4326	5	20	scale	scale	NOUN
ajfa-4326	5	21	efficiency	efficiency	NOUN
ajfa-4326	5	22	change	change	NOUN
ajfa-4326	5	23	.	.	PUNCT
ajfa-4326	6	1	the	the	DET
ajfa-4326	6	2	tobit	tobit	PROPN
ajfa-4326	6	3	regression	regression	PROPN
ajfa-4326	6	4	model	model	NOUN
ajfa-4326	6	5	found	find	VERB
ajfa-4326	6	6	positive	positive	ADJ
ajfa-4326	6	7	relationship	relationship	NOUN
ajfa-4326	6	8	between	between	ADP
ajfa-4326	6	9	debt	debt	NOUN
ajfa-4326	6	10	to	to	ADP
ajfa-4326	6	11	equity	equity	NOUN
ajfa-4326	6	12	ratio	ratio	NOUN
ajfa-4326	6	13	and	and	CCONJ
ajfa-4326	6	14	efficiency	efficiency	NOUN
ajfa-4326	6	15	as	as	ADV
ajfa-4326	6	16	well	well	ADV
ajfa-4326	6	17	as	as	ADP
ajfa-4326	6	18	between	between	ADP
ajfa-4326	6	19	capital	capital	NOUN
ajfa-4326	6	20	adequacy	adequacy	NOUN
ajfa-4326	6	21	and	and	CCONJ
ajfa-4326	6	22	efficiency	efficiency	NOUN
ajfa-4326	6	23	.	.	PUNCT
ajfa-4326	7	1	further	far	ADV
ajfa-4326	7	2	,	,	PUNCT
ajfa-4326	7	3	profitable	profitable	ADJ
ajfa-4326	7	4	banks	bank	NOUN
ajfa-4326	7	5	with	with	ADP
ajfa-4326	7	6	lower	low	ADJ
ajfa-4326	7	7	leverage	leverage	NOUN
ajfa-4326	7	8	and	and	CCONJ
ajfa-4326	7	9	higher	high	ADJ
ajfa-4326	7	10	capital	capital	NOUN
ajfa-4326	7	11	adequacy	adequacy	NOUN
ajfa-4326	7	12	ratio	ratio	NOUN
ajfa-4326	7	13	are	be	AUX
ajfa-4326	7	14	found	find	VERB
ajfa-4326	7	15	to	to	PART
ajfa-4326	7	16	be	be	AUX
ajfa-4326	7	17	more	more	ADV
ajfa-4326	7	18	efficient	efficient	ADJ
ajfa-4326	7	19	and	and	CCONJ
ajfa-4326	7	20	bank	bank	NOUN
ajfa-4326	7	21	loans	loan	NOUN
ajfa-4326	7	22	seem	seem	VERB
ajfa-4326	7	23	to	to	PART
ajfa-4326	7	24	be	be	AUX
ajfa-4326	7	25	more	more	ADV
ajfa-4326	7	26	highly	highly	ADV
ajfa-4326	7	27	valued	value	VERB
ajfa-4326	7	28	than	than	ADP
ajfa-4326	7	29	alternative	alternative	ADJ
ajfa-4326	7	30	bank	bank	NOUN
ajfa-4326	7	31	outputs	output	NOUN
ajfa-4326	7	32	i.e.	i.e.	ADV
ajfa-4326	7	33	,	,	PUNCT
ajfa-4326	7	34	investments	investment	NOUN
ajfa-4326	7	35	and	and	CCONJ
ajfa-4326	7	36	securities	security	NOUN
ajfa-4326	7	37	.	.	PUNCT
ajfa-4326	8	1	keywords	keyword	NOUN
ajfa-4326	8	2	:	:	PUNCT
ajfa-4326	8	3	efficiency	efficiency	NOUN
ajfa-4326	8	4	,	,	PUNCT
ajfa-4326	8	5	productivity	productivity	NOUN
ajfa-4326	8	6	,	,	PUNCT
ajfa-4326	8	7	commercial	commercial	ADJ
ajfa-4326	8	8	banks	bank	NOUN
ajfa-4326	8	9	,	,	PUNCT
ajfa-4326	8	10	nepal	nepal	ADJ
ajfa-4326	8	11	,	,	PUNCT
ajfa-4326	8	12	malmquist	malmquist	PROPN
ajfa-4326	8	13	index	index	NOUN
ajfa-4326	8	14	,	,	PUNCT
ajfa-4326	8	15	technical	technical	ADJ
ajfa-4326	8	16	efficiency	efficiency	NOUN
ajfa-4326	8	17	,	,	PUNCT
ajfa-4326	8	18	scale	scale	NOUN
ajfa-4326	8	19	efficiency	efficiency	NOUN
ajfa-4326	8	20	asian	asian	ADJ
ajfa-4326	8	21	journal	journal	NOUN
ajfa-4326	8	22	of	of	ADP
ajfa-4326	8	23	finance	finance	PROPN
ajfa-4326	8	24	&	&	CCONJ
ajfa-4326	8	25	accounting	accounting	PROPN
ajfa-4326	8	26	issn	issn	PROPN
ajfa-4326	8	27	1946	1946	NUM
ajfa-4326	8	28	-	-	PUNCT
ajfa-4326	8	29	052x	052x	NOUN
ajfa-4326	8	30	2013	2013	NUM
ajfa-4326	8	31	,	,	PUNCT
ajfa-4326	8	32	vol	vol	NOUN
ajfa-4326	8	33	.	.	PROPN
ajfa-4326	8	34	5	5	NUM
ajfa-4326	8	35	,	,	PUNCT
ajfa-4326	8	36	no	no	INTJ
ajfa-4326	8	37	.	.	NOUN
ajfa-4326	8	38	2	2	NUM
ajfa-4326	8	39	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	8	40	221	221	NUM
ajfa-4326	8	41	1	1	NUM
ajfa-4326	8	42	.	.	PUNCT
ajfa-4326	8	43	introduction	introduction	NOUN
ajfa-4326	8	44	banking	banking	NOUN
ajfa-4326	8	45	and	and	CCONJ
ajfa-4326	8	46	finance	finance	NOUN
ajfa-4326	8	47	sector	sector	NOUN
ajfa-4326	8	48	is	be	AUX
ajfa-4326	8	49	one	one	NUM
ajfa-4326	8	50	of	of	ADP
ajfa-4326	8	51	the	the	DET
ajfa-4326	8	52	important	important	ADJ
ajfa-4326	8	53	pillar	pillar	NOUN
ajfa-4326	8	54	for	for	ADP
ajfa-4326	8	55	the	the	DET
ajfa-4326	8	56	economic	economic	ADJ
ajfa-4326	8	57	development	development	NOUN
ajfa-4326	8	58	of	of	ADP
ajfa-4326	8	59	any	any	DET
ajfa-4326	8	60	country	country	NOUN
ajfa-4326	8	61	.	.	PUNCT
ajfa-4326	9	1	commercial	commercial	ADJ
ajfa-4326	9	2	banks	bank	NOUN
ajfa-4326	9	3	,	,	PUNCT
ajfa-4326	9	4	one	one	NUM
ajfa-4326	9	5	of	of	ADP
ajfa-4326	9	6	the	the	DET
ajfa-4326	9	7	major	major	ADJ
ajfa-4326	9	8	components	component	NOUN
ajfa-4326	9	9	of	of	ADP
ajfa-4326	9	10	banking	banking	NOUN
ajfa-4326	9	11	system	system	NOUN
ajfa-4326	9	12	,	,	PUNCT
ajfa-4326	9	13	have	have	VERB
ajfa-4326	9	14	to	to	PART
ajfa-4326	9	15	be	be	AUX
ajfa-4326	9	16	efficient	efficient	ADJ
ajfa-4326	9	17	as	as	SCONJ
ajfa-4326	9	18	it	it	PRON
ajfa-4326	9	19	links	link	VERB
ajfa-4326	9	20	the	the	DET
ajfa-4326	9	21	various	various	ADJ
ajfa-4326	9	22	economic	economic	ADJ
ajfa-4326	9	23	activities	activity	NOUN
ajfa-4326	9	24	such	such	ADJ
ajfa-4326	9	25	as	as	ADP
ajfa-4326	9	26	agriculture	agriculture	NOUN
ajfa-4326	9	27	,	,	PUNCT
ajfa-4326	9	28	trade	trade	NOUN
ajfa-4326	9	29	,	,	PUNCT
ajfa-4326	9	30	industry	industry	NOUN
ajfa-4326	9	31	,	,	PUNCT
ajfa-4326	9	32	energy	energy	NOUN
ajfa-4326	9	33	and	and	CCONJ
ajfa-4326	9	34	service	service	NOUN
ajfa-4326	9	35	with	with	ADP
ajfa-4326	9	36	the	the	DET
ajfa-4326	9	37	economic	economic	ADJ
ajfa-4326	9	38	development	development	NOUN
ajfa-4326	9	39	.	.	PUNCT
ajfa-4326	10	1	banks	bank	NOUN
ajfa-4326	10	2	need	need	VERB
ajfa-4326	10	3	to	to	PART
ajfa-4326	10	4	be	be	AUX
ajfa-4326	10	5	efficient	efficient	ADJ
ajfa-4326	10	6	not	not	PART
ajfa-4326	10	7	only	only	ADV
ajfa-4326	10	8	for	for	ADP
ajfa-4326	10	9	the	the	DET
ajfa-4326	10	10	greater	great	ADJ
ajfa-4326	10	11	goal	goal	NOUN
ajfa-4326	10	12	of	of	ADP
ajfa-4326	10	13	economic	economic	ADJ
ajfa-4326	10	14	growth	growth	NOUN
ajfa-4326	10	15	but	but	CCONJ
ajfa-4326	10	16	also	also	ADV
ajfa-4326	10	17	for	for	ADP
ajfa-4326	10	18	survival	survival	NOUN
ajfa-4326	10	19	against	against	ADP
ajfa-4326	10	20	its	its	PRON
ajfa-4326	10	21	competitors	competitor	NOUN
ajfa-4326	10	22	.	.	PUNCT
ajfa-4326	11	1	with	with	ADP
ajfa-4326	11	2	the	the	DET
ajfa-4326	11	3	growth	growth	NOUN
ajfa-4326	11	4	in	in	ADP
ajfa-4326	11	5	banking	banking	NOUN
ajfa-4326	11	6	activities	activity	NOUN
ajfa-4326	11	7	,	,	PUNCT
ajfa-4326	11	8	the	the	DET
ajfa-4326	11	9	efficiency	efficiency	NOUN
ajfa-4326	11	10	has	have	AUX
ajfa-4326	11	11	been	be	AUX
ajfa-4326	11	12	the	the	DET
ajfa-4326	11	13	growing	grow	VERB
ajfa-4326	11	14	concern	concern	NOUN
ajfa-4326	11	15	of	of	ADP
ajfa-4326	11	16	commercial	commercial	ADJ
ajfa-4326	11	17	banks	bank	NOUN
ajfa-4326	11	18	in	in	ADP
ajfa-4326	11	19	order	order	NOUN
ajfa-4326	11	20	to	to	PART
ajfa-4326	11	21	remain	remain	VERB
ajfa-4326	11	22	competitive	competitive	ADJ
ajfa-4326	11	23	.	.	PUNCT
ajfa-4326	12	1	due	due	ADP
ajfa-4326	12	2	to	to	ADP
ajfa-4326	12	3	the	the	DET
ajfa-4326	12	4	importance	importance	NOUN
ajfa-4326	12	5	of	of	ADP
ajfa-4326	12	6	the	the	DET
ajfa-4326	12	7	financial	financial	ADJ
ajfa-4326	12	8	sector	sector	NOUN
ajfa-4326	12	9	and	and	CCONJ
ajfa-4326	12	10	its	its	PRON
ajfa-4326	12	11	impact	impact	NOUN
ajfa-4326	12	12	to	to	ADP
ajfa-4326	12	13	the	the	DET
ajfa-4326	12	14	whole	whole	ADJ
ajfa-4326	12	15	economy	economy	NOUN
ajfa-4326	12	16	,	,	PUNCT
ajfa-4326	12	17	financial	financial	ADJ
ajfa-4326	12	18	sector	sector	NOUN
ajfa-4326	12	19	development	development	NOUN
ajfa-4326	12	20	study	study	NOUN
ajfa-4326	12	21	and	and	CCONJ
ajfa-4326	12	22	efficiency	efficiency	NOUN
ajfa-4326	12	23	analysis	analysis	NOUN
ajfa-4326	12	24	is	be	AUX
ajfa-4326	12	25	necessary	necessary	ADJ
ajfa-4326	12	26	.	.	PUNCT
ajfa-4326	13	1	the	the	DET
ajfa-4326	13	2	efficiency	efficiency	NOUN
ajfa-4326	13	3	of	of	ADP
ajfa-4326	13	4	financial	financial	ADJ
ajfa-4326	13	5	institutions	institution	NOUN
ajfa-4326	13	6	has	have	AUX
ajfa-4326	13	7	been	be	AUX
ajfa-4326	13	8	widely	widely	ADV
ajfa-4326	13	9	and	and	CCONJ
ajfa-4326	13	10	extensively	extensively	ADV
ajfa-4326	13	11	studied	study	VERB
ajfa-4326	13	12	in	in	ADP
ajfa-4326	13	13	the	the	DET
ajfa-4326	13	14	last	last	ADJ
ajfa-4326	13	15	few	few	ADJ
ajfa-4326	13	16	decades	decade	NOUN
ajfa-4326	13	17	.	.	PUNCT
ajfa-4326	14	1	for	for	ADP
ajfa-4326	14	2	financial	financial	ADJ
ajfa-4326	14	3	institutions	institution	NOUN
ajfa-4326	14	4	,	,	PUNCT
ajfa-4326	14	5	efficiency	efficiency	NOUN
ajfa-4326	14	6	implies	imply	VERB
ajfa-4326	14	7	improved	improved	ADJ
ajfa-4326	14	8	profitability	profitability	NOUN
ajfa-4326	14	9	,	,	PUNCT
ajfa-4326	14	10	greater	great	ADJ
ajfa-4326	14	11	amount	amount	NOUN
ajfa-4326	14	12	of	of	ADP
ajfa-4326	14	13	funds	fund	NOUN
ajfa-4326	14	14	channeled	channel	VERB
ajfa-4326	14	15	in	in	ADP
ajfa-4326	14	16	,	,	PUNCT
ajfa-4326	14	17	better	well	ADJ
ajfa-4326	14	18	prices	price	NOUN
ajfa-4326	14	19	and	and	CCONJ
ajfa-4326	14	20	services	service	NOUN
ajfa-4326	14	21	quality	quality	NOUN
ajfa-4326	14	22	for	for	ADP
ajfa-4326	14	23	consumers	consumer	NOUN
ajfa-4326	14	24	and	and	CCONJ
ajfa-4326	14	25	greater	great	ADJ
ajfa-4326	14	26	safety	safety	NOUN
ajfa-4326	14	27	in	in	ADP
ajfa-4326	14	28	terms	term	NOUN
ajfa-4326	14	29	of	of	ADP
ajfa-4326	14	30	improved	improved	ADJ
ajfa-4326	14	31	capital	capital	NOUN
ajfa-4326	14	32	buffer	buffer	NOUN
ajfa-4326	14	33	in	in	ADP
ajfa-4326	14	34	absorbing	absorb	VERB
ajfa-4326	14	35	risk	risk	NOUN
ajfa-4326	14	36	(	(	PUNCT
ajfa-4326	14	37	berger	berger	PROPN
ajfa-4326	14	38	et	et	PROPN
ajfa-4326	14	39	al	al	PROPN
ajfa-4326	14	40	.	.	PROPN
ajfa-4326	14	41	1993	1993	NUM
ajfa-4326	14	42	)	)	PUNCT
ajfa-4326	14	43	.	.	PUNCT
ajfa-4326	15	1	the	the	DET
ajfa-4326	15	2	mostly	mostly	ADV
ajfa-4326	15	3	used	use	VERB
ajfa-4326	15	4	measures	measure	NOUN
ajfa-4326	15	5	for	for	ADP
ajfa-4326	15	6	evaluating	evaluate	VERB
ajfa-4326	15	7	banks	bank	NOUN
ajfa-4326	15	8	in	in	ADP
ajfa-4326	15	9	nepalese	nepalese	ADJ
ajfa-4326	15	10	context	context	NOUN
ajfa-4326	15	11	include	include	VERB
ajfa-4326	15	12	various	various	ADJ
ajfa-4326	15	13	financial	financial	ADJ
ajfa-4326	15	14	ratio	ratio	NOUN
ajfa-4326	15	15	measures	measure	NOUN
ajfa-4326	15	16	,	,	PUNCT
ajfa-4326	15	17	which	which	PRON
ajfa-4326	15	18	provide	provide	VERB
ajfa-4326	15	19	the	the	DET
ajfa-4326	15	20	tools	tool	NOUN
ajfa-4326	15	21	for	for	ADP
ajfa-4326	15	22	managing	manage	VERB
ajfa-4326	15	23	information	information	NOUN
ajfa-4326	15	24	in	in	ADP
ajfa-4326	15	25	order	order	NOUN
ajfa-4326	15	26	to	to	PART
ajfa-4326	15	27	analyze	analyze	VERB
ajfa-4326	15	28	the	the	DET
ajfa-4326	15	29	financial	financial	ADJ
ajfa-4326	15	30	condition	condition	NOUN
ajfa-4326	15	31	and	and	CCONJ
ajfa-4326	15	32	performance	performance	NOUN
ajfa-4326	15	33	of	of	ADP
ajfa-4326	15	34	a	a	DET
ajfa-4326	15	35	bank	bank	NOUN
ajfa-4326	15	36	.	.	PUNCT
ajfa-4326	16	1	the	the	DET
ajfa-4326	16	2	most	most	ADV
ajfa-4326	16	3	commonly	commonly	ADV
ajfa-4326	16	4	used	use	VERB
ajfa-4326	16	5	financial	financial	ADJ
ajfa-4326	16	6	ratios	ratio	NOUN
ajfa-4326	16	7	,	,	PUNCT
ajfa-4326	16	8	such	such	ADJ
ajfa-4326	16	9	as	as	ADP
ajfa-4326	16	10	return	return	NOUN
ajfa-4326	16	11	on	on	ADP
ajfa-4326	16	12	shareholders	shareholder	NOUN
ajfa-4326	16	13	’	'	PUNCT
ajfa-4326	16	14	equity	equity	NOUN
ajfa-4326	16	15	(	(	PUNCT
ajfa-4326	16	16	roe	roe	PROPN
ajfa-4326	16	17	)	)	PUNCT
ajfa-4326	16	18	,	,	PUNCT
ajfa-4326	16	19	return	return	VERB
ajfa-4326	16	20	on	on	ADP
ajfa-4326	16	21	assets	asset	NOUN
ajfa-4326	16	22	(	(	PUNCT
ajfa-4326	16	23	roa	roa	NOUN
ajfa-4326	16	24	)	)	PUNCT
ajfa-4326	16	25	,	,	PUNCT
ajfa-4326	16	26	profit	profit	NOUN
ajfa-4326	16	27	margin	margin	NOUN
ajfa-4326	16	28	(	(	PUNCT
ajfa-4326	16	29	pm	pm	NOUN
ajfa-4326	16	30	)	)	PUNCT
ajfa-4326	16	31	,	,	PUNCT
ajfa-4326	16	32	net	net	ADJ
ajfa-4326	16	33	interest	interest	NOUN
ajfa-4326	16	34	margin	margin	NOUN
ajfa-4326	16	35	(	(	PUNCT
ajfa-4326	16	36	nim	nim	NOUN
ajfa-4326	16	37	)	)	PUNCT
ajfa-4326	16	38	,	,	PUNCT
ajfa-4326	16	39	cash	cash	NOUN
ajfa-4326	16	40	reserve	reserve	NOUN
ajfa-4326	16	41	ratio	ratio	NOUN
ajfa-4326	16	42	(	(	PUNCT
ajfa-4326	16	43	crr	crr	PROPN
ajfa-4326	16	44	)	)	PUNCT
ajfa-4326	16	45	and	and	CCONJ
ajfa-4326	16	46	earnings	earning	NOUN
ajfa-4326	16	47	per	per	ADP
ajfa-4326	16	48	share	share	NOUN
ajfa-4326	16	49	(	(	PUNCT
ajfa-4326	16	50	eps	eps	PROPN
ajfa-4326	16	51	)	)	PUNCT
ajfa-4326	16	52	,	,	PUNCT
ajfa-4326	16	53	are	be	AUX
ajfa-4326	16	54	used	use	VERB
ajfa-4326	16	55	to	to	PART
ajfa-4326	16	56	characterize	characterize	VERB
ajfa-4326	16	57	the	the	DET
ajfa-4326	16	58	performance	performance	NOUN
ajfa-4326	16	59	of	of	ADP
ajfa-4326	16	60	banks	bank	NOUN
ajfa-4326	16	61	and	and	CCONJ
ajfa-4326	16	62	are	be	AUX
ajfa-4326	16	63	also	also	ADV
ajfa-4326	16	64	presented	present	VERB
ajfa-4326	16	65	in	in	ADP
ajfa-4326	16	66	the	the	DET
ajfa-4326	16	67	annual	annual	ADJ
ajfa-4326	16	68	reports	report	NOUN
ajfa-4326	16	69	of	of	ADP
ajfa-4326	16	70	banks	bank	NOUN
ajfa-4326	16	71	.	.	PUNCT
ajfa-4326	17	1	the	the	DET
ajfa-4326	17	2	fundamental	fundamental	ADJ
ajfa-4326	17	3	limitation	limitation	NOUN
ajfa-4326	17	4	of	of	ADP
ajfa-4326	17	5	traditional	traditional	ADJ
ajfa-4326	17	6	ratio	ratio	NOUN
ajfa-4326	17	7	analysis	analysis	NOUN
ajfa-4326	17	8	is	be	AUX
ajfa-4326	17	9	that	that	SCONJ
ajfa-4326	17	10	the	the	DET
ajfa-4326	17	11	choice	choice	NOUN
ajfa-4326	17	12	of	of	ADP
ajfa-4326	17	13	a	a	DET
ajfa-4326	17	14	single	single	ADJ
ajfa-4326	17	15	ratio	ratio	NOUN
ajfa-4326	17	16	does	do	AUX
ajfa-4326	17	17	not	not	PART
ajfa-4326	17	18	provide	provide	VERB
ajfa-4326	17	19	enough	enough	ADJ
ajfa-4326	17	20	information	information	NOUN
ajfa-4326	17	21	about	about	ADP
ajfa-4326	17	22	the	the	DET
ajfa-4326	17	23	various	various	ADJ
ajfa-4326	17	24	dimensions	dimension	NOUN
ajfa-4326	17	25	of	of	ADP
ajfa-4326	17	26	the	the	DET
ajfa-4326	17	27	performance	performance	NOUN
ajfa-4326	17	28	of	of	ADP
ajfa-4326	17	29	a	a	DET
ajfa-4326	17	30	bank	bank	NOUN
ajfa-4326	17	31	.	.	PUNCT
ajfa-4326	18	1	the	the	DET
ajfa-4326	18	2	aim	aim	NOUN
ajfa-4326	18	3	of	of	ADP
ajfa-4326	18	4	this	this	DET
ajfa-4326	18	5	paper	paper	NOUN
ajfa-4326	18	6	is	be	AUX
ajfa-4326	18	7	to	to	PART
ajfa-4326	18	8	evaluate	evaluate	VERB
ajfa-4326	18	9	efficiency	efficiency	NOUN
ajfa-4326	18	10	of	of	ADP
ajfa-4326	18	11	commercial	commercial	ADJ
ajfa-4326	18	12	banks	bank	NOUN
ajfa-4326	18	13	in	in	ADP
ajfa-4326	18	14	nepal	nepal	NOUN
ajfa-4326	18	15	.	.	PUNCT
ajfa-4326	19	1	in	in	ADP
ajfa-4326	19	2	general	general	ADJ
ajfa-4326	19	3	there	there	PRON
ajfa-4326	19	4	are	be	VERB
ajfa-4326	19	5	two	two	NUM
ajfa-4326	19	6	basic	basic	ADJ
ajfa-4326	19	7	approaches	approach	NOUN
ajfa-4326	19	8	that	that	PRON
ajfa-4326	19	9	estimate	estimate	VERB
ajfa-4326	19	10	efficiency	efficiency	NOUN
ajfa-4326	19	11	,	,	PUNCT
ajfa-4326	19	12	the	the	DET
ajfa-4326	19	13	parametric	parametric	NOUN
ajfa-4326	19	14	and	and	CCONJ
ajfa-4326	19	15	the	the	DET
ajfa-4326	19	16	non	non	ADJ
ajfa-4326	19	17	-	-	ADJ
ajfa-4326	19	18	parametric	parametric	ADJ
ajfa-4326	19	19	ones	one	NOUN
ajfa-4326	19	20	.	.	PUNCT
ajfa-4326	20	1	the	the	DET
ajfa-4326	20	2	parametric	parametric	ADJ
ajfa-4326	20	3	methods	method	NOUN
ajfa-4326	20	4	require	require	VERB
ajfa-4326	20	5	explicit	explicit	ADJ
ajfa-4326	20	6	assumptions	assumption	NOUN
ajfa-4326	20	7	about	about	ADP
ajfa-4326	20	8	the	the	DET
ajfa-4326	20	9	function	function	NOUN
ajfa-4326	20	10	that	that	PRON
ajfa-4326	20	11	convert	convert	VERB
ajfa-4326	20	12	inputs	input	NOUN
ajfa-4326	20	13	into	into	ADP
ajfa-4326	20	14	outputs	output	NOUN
ajfa-4326	20	15	and	and	CCONJ
ajfa-4326	20	16	about	about	ADP
ajfa-4326	20	17	the	the	DET
ajfa-4326	20	18	distribution	distribution	NOUN
ajfa-4326	20	19	of	of	ADP
ajfa-4326	20	20	the	the	DET
ajfa-4326	20	21	error	error	NOUN
ajfa-4326	20	22	terms	term	NOUN
ajfa-4326	20	23	.	.	PUNCT
ajfa-4326	21	1	on	on	ADP
ajfa-4326	21	2	the	the	DET
ajfa-4326	21	3	other	other	ADJ
ajfa-4326	21	4	hand	hand	NOUN
ajfa-4326	21	5	the	the	DET
ajfa-4326	21	6	non	non	ADJ
ajfa-4326	21	7	parametric	parametric	ADJ
ajfa-4326	21	8	methods	method	NOUN
ajfa-4326	21	9	(	(	PUNCT
ajfa-4326	21	10	including	include	VERB
ajfa-4326	21	11	data	datum	NOUN
ajfa-4326	21	12	envelopment	envelopment	ADJ
ajfa-4326	21	13	analysis	analysis	NOUN
ajfa-4326	21	14	(	(	PUNCT
ajfa-4326	21	15	dea	dea	NOUN
ajfa-4326	21	16	)	)	PUNCT
ajfa-4326	21	17	and	and	CCONJ
ajfa-4326	21	18	malmquist	malmquist	PROPN
ajfa-4326	21	19	index	index	NOUN
ajfa-4326	21	20	(	(	PUNCT
ajfa-4326	21	21	mi	mi	NOUN
ajfa-4326	21	22	)	)	PUNCT
ajfa-4326	21	23	)	)	PUNCT
ajfa-4326	21	24	do	do	AUX
ajfa-4326	21	25	not	not	PART
ajfa-4326	21	26	require	require	VERB
ajfa-4326	21	27	functional	functional	ADJ
ajfa-4326	21	28	form	form	NOUN
ajfa-4326	21	29	.	.	PUNCT
ajfa-4326	22	1	it	it	PRON
ajfa-4326	22	2	requires	require	VERB
ajfa-4326	22	3	only	only	ADV
ajfa-4326	22	4	the	the	DET
ajfa-4326	22	5	necessary	necessary	ADJ
ajfa-4326	22	6	data	datum	NOUN
ajfa-4326	22	7	,	,	PUNCT
ajfa-4326	22	8	inputs	input	NOUN
ajfa-4326	22	9	and	and	CCONJ
ajfa-4326	22	10	outputs	output	NOUN
ajfa-4326	22	11	.	.	PUNCT
ajfa-4326	23	1	due	due	ADP
ajfa-4326	23	2	to	to	ADP
ajfa-4326	23	3	the	the	DET
ajfa-4326	23	4	advantages	advantage	NOUN
ajfa-4326	23	5	of	of	ADP
ajfa-4326	23	6	non	non	ADJ
ajfa-4326	23	7	parametric	parametric	ADJ
ajfa-4326	23	8	methods	method	NOUN
ajfa-4326	23	9	,	,	PUNCT
ajfa-4326	23	10	in	in	ADP
ajfa-4326	23	11	recent	recent	ADJ
ajfa-4326	23	12	years	year	NOUN
ajfa-4326	23	13	mi	mi	PROPN
ajfa-4326	23	14	has	have	AUX
ajfa-4326	23	15	gained	gain	VERB
ajfa-4326	23	16	researchers	researcher	NOUN
ajfa-4326	23	17	’	'	PUNCT
ajfa-4326	23	18	and	and	CCONJ
ajfa-4326	23	19	managers	manager	NOUN
ajfa-4326	23	20	’	’	PART
ajfa-4326	23	21	interest	interest	NOUN
ajfa-4326	23	22	.	.	PUNCT
ajfa-4326	24	1	the	the	DET
ajfa-4326	24	2	method	method	NOUN
ajfa-4326	24	3	is	be	AUX
ajfa-4326	24	4	used	use	VERB
ajfa-4326	24	5	to	to	PART
ajfa-4326	24	6	estimate	estimate	VERB
ajfa-4326	24	7	the	the	DET
ajfa-4326	24	8	relative	relative	ADJ
ajfa-4326	24	9	efficiency	efficiency	NOUN
ajfa-4326	24	10	of	of	ADP
ajfa-4326	24	11	homogenous	homogenous	ADJ
ajfa-4326	24	12	decision	decision	NOUN
ajfa-4326	24	13	making	make	VERB
ajfa-4326	24	14	units	unit	NOUN
ajfa-4326	24	15	such	such	ADJ
ajfa-4326	24	16	as	as	ADP
ajfa-4326	24	17	hospitals	hospital	NOUN
ajfa-4326	24	18	,	,	PUNCT
ajfa-4326	24	19	public	public	ADJ
ajfa-4326	24	20	institutions	institution	NOUN
ajfa-4326	24	21	,	,	PUNCT
ajfa-4326	24	22	banks	bank	NOUN
ajfa-4326	24	23	,	,	PUNCT
ajfa-4326	24	24	financial	financial	ADJ
ajfa-4326	24	25	institutions	institution	NOUN
ajfa-4326	24	26	,	,	PUNCT
ajfa-4326	24	27	schools	school	NOUN
ajfa-4326	24	28	,	,	PUNCT
ajfa-4326	24	29	farms	farm	NOUN
ajfa-4326	24	30	etc	etc	X
ajfa-4326	24	31	.	.	X
ajfa-4326	25	1	in	in	ADP
ajfa-4326	25	2	this	this	DET
ajfa-4326	25	3	paper	paper	NOUN
ajfa-4326	25	4	,	,	PUNCT
ajfa-4326	25	5	we	we	PRON
ajfa-4326	25	6	make	make	VERB
ajfa-4326	25	7	use	use	NOUN
ajfa-4326	25	8	of	of	ADP
ajfa-4326	25	9	malmquist	malmquist	NOUN
ajfa-4326	25	10	index	index	NOUN
ajfa-4326	25	11	(	(	PUNCT
ajfa-4326	25	12	mi	mi	NOUN
ajfa-4326	25	13	)	)	PUNCT
ajfa-4326	25	14	to	to	PART
ajfa-4326	25	15	analyze	analyze	VERB
ajfa-4326	25	16	the	the	DET
ajfa-4326	25	17	efficiency	efficiency	NOUN
ajfa-4326	25	18	of	of	ADP
ajfa-4326	25	19	commercial	commercial	ADJ
ajfa-4326	25	20	banks	bank	NOUN
ajfa-4326	25	21	in	in	ADP
ajfa-4326	25	22	nepal	nepal	NOUN
ajfa-4326	25	23	during	during	ADP
ajfa-4326	25	24	the	the	DET
ajfa-4326	25	25	period	period	NOUN
ajfa-4326	25	26	2007/08	2007/08	NUM
ajfa-4326	25	27	to	to	ADP
ajfa-4326	25	28	2011/12	2011/12	NUM
ajfa-4326	25	29	and	and	CCONJ
ajfa-4326	25	30	also	also	ADV
ajfa-4326	25	31	perform	perform	VERB
ajfa-4326	25	32	tobit	tobit	NOUN
ajfa-4326	25	33	regression	regression	NOUN
ajfa-4326	25	34	model	model	NOUN
ajfa-4326	25	35	to	to	PART
ajfa-4326	25	36	analyze	analyze	VERB
ajfa-4326	25	37	the	the	DET
ajfa-4326	25	38	effects	effect	NOUN
ajfa-4326	25	39	of	of	ADP
ajfa-4326	25	40	various	various	ADJ
ajfa-4326	25	41	indicators	indicator	NOUN
ajfa-4326	25	42	on	on	ADP
ajfa-4326	25	43	the	the	DET
ajfa-4326	25	44	efficiency	efficiency	NOUN
ajfa-4326	25	45	of	of	ADP
ajfa-4326	25	46	the	the	DET
ajfa-4326	25	47	commercial	commercial	ADJ
ajfa-4326	25	48	banks	bank	NOUN
ajfa-4326	25	49	in	in	ADP
ajfa-4326	25	50	nepal	nepal	NOUN
ajfa-4326	25	51	.	.	PUNCT
ajfa-4326	26	1	the	the	DET
ajfa-4326	26	2	sample	sample	NOUN
ajfa-4326	26	3	includes	include	VERB
ajfa-4326	26	4	twenty	twenty	NUM
ajfa-4326	26	5	two	two	NUM
ajfa-4326	26	6	established	establish	VERB
ajfa-4326	26	7	commercial	commercial	ADJ
ajfa-4326	26	8	banks	bank	NOUN
ajfa-4326	26	9	in	in	ADP
ajfa-4326	26	10	nepal	nepal	NOUN
ajfa-4326	26	11	.	.	PUNCT
ajfa-4326	27	1	using	use	VERB
ajfa-4326	27	2	mi	mi	PROPN
ajfa-4326	27	3	index	index	NOUN
ajfa-4326	27	4	first	first	ADV
ajfa-4326	27	5	the	the	DET
ajfa-4326	27	6	efficiency	efficiency	NOUN
ajfa-4326	27	7	measures	measure	NOUN
ajfa-4326	27	8	under	under	ADP
ajfa-4326	27	9	constant	constant	ADJ
ajfa-4326	27	10	return	return	NOUN
ajfa-4326	27	11	to	to	ADP
ajfa-4326	27	12	scale	scale	VERB
ajfa-4326	27	13	and	and	CCONJ
ajfa-4326	27	14	variable	variable	ADJ
ajfa-4326	27	15	return	return	NOUN
ajfa-4326	27	16	to	to	PART
ajfa-4326	27	17	scale	scale	VERB
ajfa-4326	27	18	assumption	assumption	NOUN
ajfa-4326	27	19	is	be	AUX
ajfa-4326	27	20	reported	report	VERB
ajfa-4326	27	21	.	.	PUNCT
ajfa-4326	28	1	the	the	DET
ajfa-4326	28	2	efficiency	efficiency	NOUN
ajfa-4326	28	3	suggested	suggest	VERB
ajfa-4326	28	4	that	that	SCONJ
ajfa-4326	28	5	5	5	NUM
ajfa-4326	28	6	out	out	ADP
ajfa-4326	28	7	of	of	ADP
ajfa-4326	28	8	22	22	NUM
ajfa-4326	28	9	banks	bank	NOUN
ajfa-4326	28	10	were	be	AUX
ajfa-4326	28	11	consistently	consistently	ADV
ajfa-4326	28	12	efficient	efficient	ADJ
ajfa-4326	28	13	under	under	ADP
ajfa-4326	28	14	both	both	DET
ajfa-4326	28	15	assumptions	assumption	NOUN
ajfa-4326	28	16	.	.	PUNCT
ajfa-4326	29	1	4	4	NUM
ajfa-4326	29	2	out	out	ADP
ajfa-4326	29	3	of	of	ADP
ajfa-4326	29	4	22	22	NUM
ajfa-4326	29	5	banks	bank	NOUN
ajfa-4326	29	6	were	be	AUX
ajfa-4326	29	7	least	least	ADJ
ajfa-4326	29	8	efficient	efficient	ADJ
ajfa-4326	29	9	under	under	ADP
ajfa-4326	29	10	both	both	DET
ajfa-4326	29	11	assumptions	assumption	NOUN
ajfa-4326	29	12	.	.	PUNCT
ajfa-4326	30	1	then	then	ADV
ajfa-4326	30	2	,	,	PUNCT
ajfa-4326	30	3	the	the	DET
ajfa-4326	30	4	malmquist	malmquist	NOUN
ajfa-4326	30	5	productivity	productivity	NOUN
ajfa-4326	30	6	change	change	NOUN
ajfa-4326	30	7	and	and	CCONJ
ajfa-4326	30	8	its	its	PRON
ajfa-4326	30	9	two	two	NUM
ajfa-4326	30	10	components	component	NOUN
ajfa-4326	30	11	for	for	ADP
ajfa-4326	30	12	four	four	NUM
ajfa-4326	30	13	years	year	NOUN
ajfa-4326	30	14	are	be	AUX
ajfa-4326	30	15	reported	report	VERB
ajfa-4326	30	16	.	.	PUNCT
ajfa-4326	31	1	it	it	PRON
ajfa-4326	31	2	showed	show	VERB
ajfa-4326	31	3	that	that	SCONJ
ajfa-4326	31	4	the	the	DET
ajfa-4326	31	5	positive	positive	ADJ
ajfa-4326	31	6	productivity	productivity	NOUN
ajfa-4326	31	7	change	change	NOUN
ajfa-4326	31	8	was	be	AUX
ajfa-4326	31	9	due	due	ADJ
ajfa-4326	31	10	to	to	ADP
ajfa-4326	31	11	technical	technical	ADJ
ajfa-4326	31	12	asian	asian	ADJ
ajfa-4326	31	13	journal	journal	NOUN
ajfa-4326	31	14	of	of	ADP
ajfa-4326	31	15	finance	finance	PROPN
ajfa-4326	31	16	&	&	CCONJ
ajfa-4326	31	17	accounting	accounting	PROPN
ajfa-4326	31	18	issn	issn	PROPN
ajfa-4326	31	19	1946	1946	NUM
ajfa-4326	31	20	-	-	PUNCT
ajfa-4326	31	21	052x	052x	NOUN
ajfa-4326	31	22	2013	2013	NUM
ajfa-4326	31	23	,	,	PUNCT
ajfa-4326	31	24	vol	vol	NOUN
ajfa-4326	31	25	.	.	PROPN
ajfa-4326	31	26	5	5	NUM
ajfa-4326	31	27	,	,	PUNCT
ajfa-4326	31	28	no	no	INTJ
ajfa-4326	31	29	.	.	NOUN
ajfa-4326	31	30	2	2	NUM
ajfa-4326	31	31	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	31	32	222	222	NUM
ajfa-4326	31	33	progress	progress	NOUN
ajfa-4326	31	34	rather	rather	ADV
ajfa-4326	31	35	than	than	ADP
ajfa-4326	31	36	efficiency	efficiency	NOUN
ajfa-4326	31	37	change	change	NOUN
ajfa-4326	31	38	.	.	PUNCT
ajfa-4326	32	1	the	the	DET
ajfa-4326	32	2	tobit	tobit	PROPN
ajfa-4326	32	3	regression	regression	PROPN
ajfa-4326	32	4	model	model	NOUN
ajfa-4326	32	5	found	find	VERB
ajfa-4326	32	6	positive	positive	ADJ
ajfa-4326	32	7	relationship	relationship	NOUN
ajfa-4326	32	8	between	between	ADP
ajfa-4326	32	9	profitability	profitability	NOUN
ajfa-4326	32	10	,	,	PUNCT
ajfa-4326	32	11	leverage	leverage	NOUN
ajfa-4326	32	12	,	,	PUNCT
ajfa-4326	32	13	and	and	CCONJ
ajfa-4326	32	14	capital	capital	NOUN
ajfa-4326	32	15	fund	fund	NOUN
ajfa-4326	32	16	to	to	PART
ajfa-4326	32	17	risk	risk	VERB
ajfa-4326	32	18	weighted	weight	VERB
ajfa-4326	32	19	assets	asset	NOUN
ajfa-4326	32	20	and	and	CCONJ
ajfa-4326	32	21	efficiency	efficiency	NOUN
ajfa-4326	32	22	.	.	PUNCT
ajfa-4326	33	1	in	in	ADP
ajfa-4326	33	2	nepalese	nepalese	ADJ
ajfa-4326	33	3	banking	banking	NOUN
ajfa-4326	33	4	sector	sector	NOUN
ajfa-4326	33	5	profitable	profitable	ADJ
ajfa-4326	33	6	bank	bank	PROPN
ajfa-4326	33	7	with	with	ADP
ajfa-4326	33	8	high	high	ADJ
ajfa-4326	33	9	low	low	ADJ
ajfa-4326	33	10	leverage	leverage	NOUN
ajfa-4326	33	11	and	and	CCONJ
ajfa-4326	33	12	higher	high	ADJ
ajfa-4326	33	13	risk	risk	NOUN
ajfa-4326	33	14	weighted	weight	VERB
ajfa-4326	33	15	are	be	AUX
ajfa-4326	33	16	found	find	VERB
ajfa-4326	33	17	to	to	PART
ajfa-4326	33	18	be	be	AUX
ajfa-4326	33	19	more	more	ADV
ajfa-4326	33	20	efficient	efficient	ADJ
ajfa-4326	33	21	and	and	CCONJ
ajfa-4326	33	22	bank	bank	NOUN
ajfa-4326	33	23	loans	loan	NOUN
ajfa-4326	33	24	seem	seem	VERB
ajfa-4326	33	25	to	to	PART
ajfa-4326	33	26	be	be	AUX
ajfa-4326	33	27	more	more	ADV
ajfa-4326	33	28	highly	highly	ADV
ajfa-4326	33	29	valued	value	VERB
ajfa-4326	33	30	than	than	ADP
ajfa-4326	33	31	alternative	alternative	ADJ
ajfa-4326	33	32	bank	bank	NOUN
ajfa-4326	33	33	outputs	output	NOUN
ajfa-4326	33	34	i.e.	i.e.	X
ajfa-4326	33	35	,	,	PUNCT
ajfa-4326	33	36	investment	investment	NOUN
ajfa-4326	33	37	and	and	CCONJ
ajfa-4326	33	38	securities	security	NOUN
ajfa-4326	33	39	.	.	PUNCT
ajfa-4326	34	1	the	the	DET
ajfa-4326	34	2	remainder	remainder	NOUN
ajfa-4326	34	3	of	of	ADP
ajfa-4326	34	4	the	the	DET
ajfa-4326	34	5	paper	paper	NOUN
ajfa-4326	34	6	is	be	AUX
ajfa-4326	34	7	organized	organize	VERB
ajfa-4326	34	8	as	as	SCONJ
ajfa-4326	34	9	follows	follow	VERB
ajfa-4326	34	10	.	.	PUNCT
ajfa-4326	35	1	section	section	NOUN
ajfa-4326	35	2	2	2	NUM
ajfa-4326	35	3	introduces	introduce	NOUN
ajfa-4326	35	4	the	the	DET
ajfa-4326	35	5	banking	banking	NOUN
ajfa-4326	35	6	sector	sector	NOUN
ajfa-4326	35	7	in	in	ADP
ajfa-4326	35	8	nepal	nepal	ADJ
ajfa-4326	35	9	and	and	CCONJ
ajfa-4326	35	10	section	section	NOUN
ajfa-4326	35	11	3	3	NUM
ajfa-4326	35	12	reviews	review	VERB
ajfa-4326	35	13	the	the	DET
ajfa-4326	35	14	related	related	ADJ
ajfa-4326	35	15	literature	literature	NOUN
ajfa-4326	35	16	.	.	PUNCT
ajfa-4326	36	1	section	section	NOUN
ajfa-4326	36	2	4	4	NUM
ajfa-4326	36	3	presents	present	NOUN
ajfa-4326	36	4	sample	sample	NOUN
ajfa-4326	36	5	data	datum	NOUN
ajfa-4326	36	6	and	and	CCONJ
ajfa-4326	36	7	methodology	methodology	NOUN
ajfa-4326	36	8	used	use	VERB
ajfa-4326	36	9	for	for	ADP
ajfa-4326	36	10	the	the	DET
ajfa-4326	36	11	paper	paper	NOUN
ajfa-4326	36	12	.	.	PUNCT
ajfa-4326	37	1	in	in	ADP
ajfa-4326	37	2	section	section	NOUN
ajfa-4326	37	3	5	5	NUM
ajfa-4326	37	4	,	,	PUNCT
ajfa-4326	37	5	empirical	empirical	ADJ
ajfa-4326	37	6	evidence	evidence	NOUN
ajfa-4326	37	7	is	be	AUX
ajfa-4326	37	8	presented	present	VERB
ajfa-4326	37	9	and	and	CCONJ
ajfa-4326	37	10	conclusion	conclusion	NOUN
ajfa-4326	37	11	is	be	AUX
ajfa-4326	37	12	presented	present	VERB
ajfa-4326	37	13	in	in	ADP
ajfa-4326	37	14	section	section	NOUN
ajfa-4326	37	15	6	6	NUM
ajfa-4326	37	16	.	.	NOUN
ajfa-4326	38	1	2	2	NUM
ajfa-4326	38	2	.	.	X
ajfa-4326	38	3	banking	banking	NOUN
ajfa-4326	38	4	sector	sector	NOUN
ajfa-4326	38	5	in	in	ADP
ajfa-4326	38	6	nepal	nepal	ADJ
ajfa-4326	38	7	banking	banking	NOUN
ajfa-4326	38	8	sector	sector	NOUN
ajfa-4326	38	9	has	have	AUX
ajfa-4326	38	10	undergone	undergo	VERB
ajfa-4326	38	11	tremendous	tremendous	ADJ
ajfa-4326	38	12	changes	change	NOUN
ajfa-4326	38	13	and	and	CCONJ
ajfa-4326	38	14	revolution	revolution	NOUN
ajfa-4326	38	15	over	over	ADP
ajfa-4326	38	16	a	a	DET
ajfa-4326	38	17	period	period	NOUN
ajfa-4326	38	18	of	of	ADP
ajfa-4326	38	19	more	more	ADJ
ajfa-4326	38	20	than	than	ADP
ajfa-4326	38	21	seven	seven	NUM
ajfa-4326	38	22	decades	decade	NOUN
ajfa-4326	38	23	.	.	PUNCT
ajfa-4326	39	1	the	the	DET
ajfa-4326	39	2	whim	whim	NOUN
ajfa-4326	39	3	of	of	ADP
ajfa-4326	39	4	commercial	commercial	ADJ
ajfa-4326	39	5	bank	bank	NOUN
ajfa-4326	39	6	started	start	VERB
ajfa-4326	39	7	with	with	ADP
ajfa-4326	39	8	the	the	DET
ajfa-4326	39	9	establishment	establishment	NOUN
ajfa-4326	39	10	of	of	ADP
ajfa-4326	39	11	nepal	nepal	PROPN
ajfa-4326	39	12	bank	bank	PROPN
ajfa-4326	39	13	limited	limit	VERB
ajfa-4326	39	14	(	(	PUNCT
ajfa-4326	39	15	nbl	nbl	NOUN
ajfa-4326	39	16	)	)	PUNCT
ajfa-4326	39	17	in	in	ADP
ajfa-4326	39	18	1937	1937	NUM
ajfa-4326	39	19	,	,	PUNCT
ajfa-4326	39	20	first	first	ADJ
ajfa-4326	39	21	commercial	commercial	ADJ
ajfa-4326	39	22	bank	bank	PROPN
ajfa-4326	39	23	of	of	ADP
ajfa-4326	39	24	nepal	nepal	ADJ
ajfa-4326	39	25	and	and	CCONJ
ajfa-4326	39	26	nepal	nepal	PROPN
ajfa-4326	39	27	rastra	rastra	PROPN
ajfa-4326	39	28	bank	bank	PROPN
ajfa-4326	39	29	(	(	PUNCT
ajfa-4326	39	30	nrb	nrb	PROPN
ajfa-4326	39	31	)	)	PUNCT
ajfa-4326	39	32	,	,	PUNCT
ajfa-4326	39	33	the	the	DET
ajfa-4326	39	34	central	central	ADJ
ajfa-4326	39	35	bank	bank	NOUN
ajfa-4326	39	36	,	,	PUNCT
ajfa-4326	39	37	nearly	nearly	ADV
ajfa-4326	39	38	after	after	ADP
ajfa-4326	39	39	two	two	NUM
ajfa-4326	39	40	decades	decade	NOUN
ajfa-4326	39	41	in	in	ADP
ajfa-4326	39	42	1956	1956	NUM
ajfa-4326	39	43	.	.	PUNCT
ajfa-4326	40	1	the	the	DET
ajfa-4326	40	2	establishment	establishment	NOUN
ajfa-4326	40	3	of	of	ADP
ajfa-4326	40	4	nbl	nbl	PROPN
ajfa-4326	40	5	and	and	CCONJ
ajfa-4326	40	6	nrb	nrb	PROPN
ajfa-4326	40	7	is	be	AUX
ajfa-4326	40	8	considered	consider	VERB
ajfa-4326	40	9	to	to	PART
ajfa-4326	40	10	be	be	AUX
ajfa-4326	40	11	two	two	NUM
ajfa-4326	40	12	major	major	ADJ
ajfa-4326	40	13	milestones	milestone	NOUN
ajfa-4326	40	14	in	in	ADP
ajfa-4326	40	15	nepalese	nepalese	ADJ
ajfa-4326	40	16	banking	banking	NOUN
ajfa-4326	40	17	sector	sector	NOUN
ajfa-4326	40	18	(	(	PUNCT
ajfa-4326	40	19	maskay	maskay	PROPN
ajfa-4326	40	20	&	&	CCONJ
ajfa-4326	40	21	subedi	subedi	PROPN
ajfa-4326	40	22	,	,	PUNCT
ajfa-4326	40	23	2009	2009	NUM
ajfa-4326	40	24	)	)	PUNCT
ajfa-4326	40	25	.	.	PUNCT
ajfa-4326	41	1	third	third	ADJ
ajfa-4326	41	2	important	important	ADJ
ajfa-4326	41	3	milestone	milestone	NOUN
ajfa-4326	41	4	is	be	AUX
ajfa-4326	41	5	the	the	DET
ajfa-4326	41	6	replacement	replacement	NOUN
ajfa-4326	41	7	of	of	ADP
ajfa-4326	41	8	nrb	nrb	PROPN
ajfa-4326	41	9	act	act	PROPN
ajfa-4326	41	10	1955	1955	NUM
ajfa-4326	41	11	by	by	ADP
ajfa-4326	41	12	current	current	ADJ
ajfa-4326	41	13	nepal	nepal	PROPN
ajfa-4326	41	14	rastra	rastra	PROPN
ajfa-4326	41	15	bank	bank	PROPN
ajfa-4326	41	16	act	act	PROPN
ajfa-4326	41	17	2005	2005	NUM
ajfa-4326	41	18	(	(	PUNCT
ajfa-4326	41	19	maskay	maskay	PROPN
ajfa-4326	41	20	&	&	CCONJ
ajfa-4326	41	21	subedi	subedi	PROPN
ajfa-4326	41	22	,	,	PUNCT
ajfa-4326	41	23	2009	2009	NUM
ajfa-4326	41	24	)	)	PUNCT
ajfa-4326	41	25	.	.	PUNCT
ajfa-4326	42	1	a	a	DET
ajfa-4326	42	2	decade	decade	NOUN
ajfa-4326	42	3	after	after	ADP
ajfa-4326	42	4	the	the	DET
ajfa-4326	42	5	establishment	establishment	NOUN
ajfa-4326	42	6	of	of	ADP
ajfa-4326	42	7	nrb	nrb	PROPN
ajfa-4326	42	8	,	,	PUNCT
ajfa-4326	42	9	rastriya	rastriya	PROPN
ajfa-4326	42	10	banijya	banijya	PROPN
ajfa-4326	42	11	bank	bank	PROPN
ajfa-4326	42	12	(	(	PUNCT
ajfa-4326	42	13	rbb	rbb	PROPN
ajfa-4326	42	14	)	)	PUNCT
ajfa-4326	42	15	,	,	PUNCT
ajfa-4326	42	16	a	a	DET
ajfa-4326	42	17	commercial	commercial	ADJ
ajfa-4326	42	18	bank	bank	NOUN
ajfa-4326	42	19	under	under	ADP
ajfa-4326	42	20	the	the	DET
ajfa-4326	42	21	ownership	ownership	NOUN
ajfa-4326	42	22	of	of	ADP
ajfa-4326	42	23	the	the	DET
ajfa-4326	42	24	then	then	ADV
ajfa-4326	42	25	his	his	PRON
ajfa-4326	42	26	majesty	majesty	NOUN
ajfa-4326	42	27	’s	’s	PART
ajfa-4326	42	28	government	government	NOUN
ajfa-4326	42	29	of	of	ADP
ajfa-4326	42	30	nepal	nepal	ADJ
ajfa-4326	42	31	(	(	PUNCT
ajfa-4326	42	32	hmg	hmg	NOUN
ajfa-4326	42	33	/	/	SYM
ajfa-4326	42	34	n	n	CCONJ
ajfa-4326	42	35	)	)	PUNCT
ajfa-4326	42	36	was	be	AUX
ajfa-4326	42	37	established	establish	VERB
ajfa-4326	42	38	.	.	PUNCT
ajfa-4326	43	1	with	with	ADP
ajfa-4326	43	2	the	the	DET
ajfa-4326	43	3	adoption	adoption	NOUN
ajfa-4326	43	4	of	of	ADP
ajfa-4326	43	5	financial	financial	ADJ
ajfa-4326	43	6	sector	sector	NOUN
ajfa-4326	43	7	liberalization	liberalization	NOUN
ajfa-4326	43	8	,	,	PUNCT
ajfa-4326	43	9	characterized	characterize	VERB
ajfa-4326	43	10	by	by	ADP
ajfa-4326	43	11	liberalization	liberalization	NOUN
ajfa-4326	43	12	and	and	CCONJ
ajfa-4326	43	13	deregulation	deregulation	NOUN
ajfa-4326	43	14	of	of	ADP
ajfa-4326	43	15	the	the	DET
ajfa-4326	43	16	interest	interest	NOUN
ajfa-4326	43	17	rates	rate	NOUN
ajfa-4326	43	18	,	,	PUNCT
ajfa-4326	43	19	relaxation	relaxation	NOUN
ajfa-4326	43	20	of	of	ADP
ajfa-4326	43	21	entry	entry	NOUN
ajfa-4326	43	22	barriers	barrier	NOUN
ajfa-4326	43	23	for	for	ADP
ajfa-4326	43	24	domestic	domestic	ADJ
ajfa-4326	43	25	and	and	CCONJ
ajfa-4326	43	26	foreign	foreign	ADJ
ajfa-4326	43	27	banks	bank	NOUN
ajfa-4326	43	28	,	,	PUNCT
ajfa-4326	43	29	restructuring	restructuring	NOUN
ajfa-4326	43	30	of	of	ADP
ajfa-4326	43	31	public	public	ADJ
ajfa-4326	43	32	sector	sector	NOUN
ajfa-4326	43	33	commercial	commercial	ADJ
ajfa-4326	43	34	banks	bank	NOUN
ajfa-4326	43	35	and	and	CCONJ
ajfa-4326	43	36	withdrawal	withdrawal	NOUN
ajfa-4326	43	37	of	of	ADP
ajfa-4326	43	38	central	central	ADJ
ajfa-4326	43	39	bank	bank	NOUN
ajfa-4326	43	40	control	control	NOUN
ajfa-4326	43	41	over	over	ADP
ajfa-4326	43	42	their	their	PRON
ajfa-4326	43	43	portfolio	portfolio	NOUN
ajfa-4326	43	44	management	management	NOUN
ajfa-4326	43	45	,	,	PUNCT
ajfa-4326	43	46	new	new	ADJ
ajfa-4326	43	47	commercial	commercial	ADJ
ajfa-4326	43	48	banks	bank	NOUN
ajfa-4326	43	49	from	from	ADP
ajfa-4326	43	50	private	private	ADJ
ajfa-4326	43	51	sector	sector	NOUN
ajfa-4326	43	52	entered	enter	VERB
ajfa-4326	43	53	into	into	ADP
ajfa-4326	43	54	the	the	DET
ajfa-4326	43	55	playground	playground	NOUN
ajfa-4326	43	56	.	.	PUNCT
ajfa-4326	44	1	consequently	consequently	ADV
ajfa-4326	44	2	,	,	PUNCT
ajfa-4326	44	3	the	the	DET
ajfa-4326	44	4	third	third	ADJ
ajfa-4326	44	5	commercial	commercial	ADJ
ajfa-4326	44	6	bank	bank	NOUN
ajfa-4326	44	7	in	in	ADP
ajfa-4326	44	8	nepal	nepal	NOUN
ajfa-4326	44	9	,	,	PUNCT
ajfa-4326	44	10	or	or	CCONJ
ajfa-4326	44	11	the	the	DET
ajfa-4326	44	12	first	first	ADJ
ajfa-4326	44	13	foreign	foreign	ADJ
ajfa-4326	44	14	joint	joint	ADJ
ajfa-4326	44	15	venture	venture	NOUN
ajfa-4326	44	16	bank	bank	NOUN
ajfa-4326	44	17	,	,	PUNCT
ajfa-4326	44	18	was	be	AUX
ajfa-4326	44	19	set	set	VERB
ajfa-4326	44	20	up	up	ADP
ajfa-4326	44	21	as	as	ADP
ajfa-4326	44	22	nepal	nepal	PROPN
ajfa-4326	44	23	arab	arab	PROPN
ajfa-4326	44	24	bank	bank	PROPN
ajfa-4326	44	25	ltd	ltd	PROPN
ajfa-4326	44	26	(	(	PUNCT
ajfa-4326	44	27	now	now	ADV
ajfa-4326	44	28	called	call	VERB
ajfa-4326	44	29	as	as	ADP
ajfa-4326	44	30	nabil	nabil	PROPN
ajfa-4326	44	31	bank	bank	PROPN
ajfa-4326	44	32	ltd	ltd	PROPN
ajfa-4326	44	33	)	)	PUNCT
ajfa-4326	44	34	in	in	ADP
ajfa-4326	44	35	1984	1984	NUM
ajfa-4326	44	36	.	.	PUNCT
ajfa-4326	45	1	table	table	NOUN
ajfa-4326	45	2	1	1	NUM
ajfa-4326	45	3	shows	show	VERB
ajfa-4326	45	4	the	the	DET
ajfa-4326	45	5	growth	growth	NOUN
ajfa-4326	45	6	of	of	ADP
ajfa-4326	45	7	financial	financial	ADJ
ajfa-4326	45	8	institutions	institution	NOUN
ajfa-4326	45	9	in	in	ADP
ajfa-4326	45	10	terms	term	NOUN
ajfa-4326	45	11	of	of	ADP
ajfa-4326	45	12	number	number	NOUN
ajfa-4326	45	13	of	of	ADP
ajfa-4326	45	14	different	different	ADJ
ajfa-4326	45	15	financial	financial	ADJ
ajfa-4326	45	16	institutions	institution	NOUN
ajfa-4326	45	17	.	.	PUNCT
ajfa-4326	46	1	table	table	NOUN
ajfa-4326	46	2	2	2	NUM
ajfa-4326	46	3	presents	present	VERB
ajfa-4326	46	4	the	the	DET
ajfa-4326	46	5	first	first	ADJ
ajfa-4326	46	6	10	10	NUM
ajfa-4326	46	7	commercial	commercial	ADJ
ajfa-4326	46	8	banks	bank	NOUN
ajfa-4326	46	9	established	establish	VERB
ajfa-4326	46	10	in	in	ADP
ajfa-4326	46	11	nepal	nepal	ADJ
ajfa-4326	46	12	.	.	PUNCT
ajfa-4326	47	1	table	table	NOUN
ajfa-4326	47	2	1	1	NUM
ajfa-4326	47	3	.	.	PUNCT
ajfa-4326	48	1	growth	growth	NOUN
ajfa-4326	48	2	of	of	ADP
ajfa-4326	48	3	financial	financial	ADJ
ajfa-4326	48	4	institutions	institution	NOUN
ajfa-4326	48	5	in	in	ADP
ajfa-4326	48	6	nepal	nepal	ADJ
ajfa-4326	48	7	types	type	NOUN
ajfa-4326	48	8	of	of	ADP
ajfa-4326	48	9	financial	financial	ADJ
ajfa-4326	48	10	institutions	institution	NOUN
ajfa-4326	48	11	1995	1995	NUM
ajfa-4326	48	12	2000	2000	NUM
ajfa-4326	48	13	2005	2005	NUM
ajfa-4326	48	14	2006	2006	NUM
ajfa-4326	48	15	2007	2007	NUM
ajfa-4326	48	16	2008	2008	NUM
ajfa-4326	48	17	2009	2009	NUM
ajfa-4326	48	18	2010	2010	NUM
ajfa-4326	48	19	2011	2011	NUM
ajfa-4326	48	20	2012	2012	NUM
ajfa-4326	48	21	commercial	commercial	ADJ
ajfa-4326	48	22	banks	bank	NOUN
ajfa-4326	48	23	10	10	NUM
ajfa-4326	48	24	13	13	NUM
ajfa-4326	48	25	17	17	NUM
ajfa-4326	48	26	18	18	NUM
ajfa-4326	48	27	20	20	NUM
ajfa-4326	48	28	25	25	NUM
ajfa-4326	48	29	26	26	NUM
ajfa-4326	48	30	27	27	NUM
ajfa-4326	48	31	31	31	NUM
ajfa-4326	48	32	32	32	NUM
ajfa-4326	48	33	development	development	NOUN
ajfa-4326	48	34	banks	bank	NOUN
ajfa-4326	48	35	3	3	NUM
ajfa-4326	48	36	7	7	NUM
ajfa-4326	48	37	26	26	NUM
ajfa-4326	48	38	28	28	NUM
ajfa-4326	48	39	38	38	NUM
ajfa-4326	48	40	58	58	NUM
ajfa-4326	48	41	63	63	NUM
ajfa-4326	48	42	79	79	NUM
ajfa-4326	48	43	87	87	NUM
ajfa-4326	48	44	88	88	NUM
ajfa-4326	48	45	finance	finance	NOUN
ajfa-4326	48	46	companies	company	NOUN
ajfa-4326	48	47	21	21	NUM
ajfa-4326	48	48	45	45	NUM
ajfa-4326	48	49	60	60	NUM
ajfa-4326	48	50	70	70	NUM
ajfa-4326	48	51	74	74	NUM
ajfa-4326	48	52	78	78	NUM
ajfa-4326	48	53	77	77	NUM
ajfa-4326	48	54	79	79	NUM
ajfa-4326	48	55	79	79	NUM
ajfa-4326	48	56	69	69	NUM
ajfa-4326	48	57	micro	micro	NOUN
ajfa-4326	48	58	-	-	NOUN
ajfa-4326	48	59	finance	finance	ADJ
ajfa-4326	48	60	/	/	SYM
ajfa-4326	48	61	development	development	NOUN
ajfa-4326	48	62	banks	bank	NOUN
ajfa-4326	48	63	4	4	NUM
ajfa-4326	48	64	7	7	NUM
ajfa-4326	48	65	11	11	NUM
ajfa-4326	48	66	11	11	NUM
ajfa-4326	48	67	12	12	NUM
ajfa-4326	48	68	12	12	NUM
ajfa-4326	48	69	15	15	NUM
ajfa-4326	48	70	18	18	NUM
ajfa-4326	48	71	21	21	NUM
ajfa-4326	48	72	24	24	NUM
ajfa-4326	48	73	savings	saving	NOUN
ajfa-4326	48	74	and	and	CCONJ
ajfa-4326	48	75	credit	credit	NOUN
ajfa-4326	48	76	co	co	NOUN
ajfa-4326	48	77	-	-	NOUN
ajfa-4326	48	78	operatives	operative	NOUN
ajfa-4326	48	79	6	6	NUM
ajfa-4326	48	80	19	19	NUM
ajfa-4326	48	81	20	20	NUM
ajfa-4326	48	82	19	19	NUM
ajfa-4326	48	83	17	17	NUM
ajfa-4326	48	84	16	16	NUM
ajfa-4326	48	85	16	16	NUM
ajfa-4326	48	86	15	15	NUM
ajfa-4326	48	87	16	16	NUM
ajfa-4326	48	88	16	16	NUM
ajfa-4326	48	89	ngos	ngo	NOUN
ajfa-4326	48	90	(	(	PUNCT
ajfa-4326	48	91	financial	financial	ADJ
ajfa-4326	48	92	intermediaries	intermediary	NOUN
ajfa-4326	48	93	)	)	PUNCT
ajfa-4326	48	94	7	7	NUM
ajfa-4326	48	95	47	47	NUM
ajfa-4326	48	96	47	47	NUM
ajfa-4326	48	97	47	47	NUM
ajfa-4326	48	98	46	46	NUM
ajfa-4326	48	99	45	45	NUM
ajfa-4326	48	100	45	45	NUM
ajfa-4326	48	101	38	38	NUM
ajfa-4326	48	102	36	36	NUM
ajfa-4326	48	103	total	total	NOUN
ajfa-4326	48	104	44	44	NUM
ajfa-4326	48	105	98	98	NUM
ajfa-4326	48	106	181	181	NUM
ajfa-4326	48	107	193	193	NUM
ajfa-4326	48	108	208	208	NUM
ajfa-4326	48	109	235	235	NUM
ajfa-4326	48	110	242	242	NUM
ajfa-4326	48	111	263	263	NUM
ajfa-4326	48	112	272	272	NUM
ajfa-4326	48	113	265	265	NUM
ajfa-4326	48	114	source	source	NOUN
ajfa-4326	48	115	:	:	PUNCT
ajfa-4326	48	116	nepal	nepal	PROPN
ajfa-4326	48	117	rastra	rastra	PROPN
ajfa-4326	48	118	bank	bank	PROPN
ajfa-4326	48	119	(	(	PUNCT
ajfa-4326	48	120	2012	2012	NUM
ajfa-4326	48	121	)	)	PUNCT
ajfa-4326	48	122	asian	asian	ADJ
ajfa-4326	48	123	journal	journal	NOUN
ajfa-4326	48	124	of	of	ADP
ajfa-4326	48	125	finance	finance	PROPN
ajfa-4326	48	126	&	&	CCONJ
ajfa-4326	48	127	accounting	accounting	PROPN
ajfa-4326	48	128	issn	issn	PROPN
ajfa-4326	48	129	1946	1946	NUM
ajfa-4326	48	130	-	-	PUNCT
ajfa-4326	48	131	052x	052x	NOUN
ajfa-4326	48	132	2013	2013	NUM
ajfa-4326	48	133	,	,	PUNCT
ajfa-4326	48	134	vol	vol	NOUN
ajfa-4326	48	135	.	.	PROPN
ajfa-4326	48	136	5	5	NUM
ajfa-4326	48	137	,	,	PUNCT
ajfa-4326	48	138	no	no	INTJ
ajfa-4326	48	139	.	.	NOUN
ajfa-4326	48	140	2	2	NUM
ajfa-4326	48	141	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	48	142	223	223	NUM
ajfa-4326	48	143	table	table	NOUN
ajfa-4326	48	144	2	2	NUM
ajfa-4326	48	145	.	.	PUNCT
ajfa-4326	48	146	first	first	ADJ
ajfa-4326	48	147	10	10	NUM
ajfa-4326	48	148	commercial	commercial	ADJ
ajfa-4326	48	149	banks	bank	NOUN
ajfa-4326	48	150	established	establish	VERB
ajfa-4326	48	151	in	in	ADP
ajfa-4326	48	152	nepal	nepal	PROPN
ajfa-4326	48	153	s.n	s.n	PROPN
ajfa-4326	48	154	.	.	PROPN
ajfa-4326	48	155	name	name	NOUN
ajfa-4326	48	156	of	of	ADP
ajfa-4326	48	157	commercial	commercial	ADJ
ajfa-4326	48	158	banks	bank	NOUN
ajfa-4326	48	159	date	date	NOUN
ajfa-4326	48	160	of	of	ADP
ajfa-4326	48	161	operation	operation	NOUN
ajfa-4326	48	162	(	(	PUNCT
ajfa-4326	48	163	a.d	a.d	PROPN
ajfa-4326	48	164	.	.	PUNCT
ajfa-4326	48	165	)	)	PUNCT
ajfa-4326	49	1	1	1	X
ajfa-4326	49	2	.	.	X
ajfa-4326	49	3	nepal	nepal	PROPN
ajfa-4326	49	4	bank	bank	PROPN
ajfa-4326	49	5	limited	limit	VERB
ajfa-4326	49	6	1937/11/15	1937/11/15	NUM
ajfa-4326	49	7	2	2	NUM
ajfa-4326	49	8	.	.	PUNCT
ajfa-4326	49	9	rastriya	rastriya	PROPN
ajfa-4326	49	10	banijya	banijya	PROPN
ajfa-4326	49	11	bank	bank	PROPN
ajfa-4326	49	12	1966/01/23	1966/01/23	NUM
ajfa-4326	49	13	3	3	NUM
ajfa-4326	49	14	.	.	PUNCT
ajfa-4326	50	1	nabil	nabil	PROPN
ajfa-4326	50	2	bank	bank	PROPN
ajfa-4326	50	3	limited	limit	VERB
ajfa-4326	50	4	1984/07/16	1984/07/16	PROPN
ajfa-4326	50	5	4	4	NUM
ajfa-4326	50	6	.	.	PUNCT
ajfa-4326	50	7	nepal	nepal	PROPN
ajfa-4326	50	8	investment	investment	PROPN
ajfa-4326	50	9	bank	bank	PROPN
ajfa-4326	50	10	limited	limit	VERB
ajfa-4326	50	11	1986/02/27	1986/02/27	NUM
ajfa-4326	50	12	5	5	NUM
ajfa-4326	50	13	.	.	PUNCT
ajfa-4326	51	1	standard	standard	PROPN
ajfa-4326	51	2	chartered	chartered	PROPN
ajfa-4326	51	3	bank	bank	PROPN
ajfa-4326	51	4	nepal	nepal	PROPN
ajfa-4326	51	5	limited	limit	VERB
ajfa-4326	51	6	1987/01/30	1987/01/30	NUM
ajfa-4326	51	7	6	6	NUM
ajfa-4326	51	8	.	.	PUNCT
ajfa-4326	52	1	himalayan	himalayan	PROPN
ajfa-4326	52	2	bank	bank	PROPN
ajfa-4326	52	3	limited	limit	VERB
ajfa-4326	52	4	1993/01/18	1993/01/18	NUM
ajfa-4326	52	5	7	7	NUM
ajfa-4326	52	6	.	.	PUNCT
ajfa-4326	52	7	nepal	nepal	PROPN
ajfa-4326	52	8	sbi	sbi	PROPN
ajfa-4326	52	9	bank	bank	PROPN
ajfa-4326	52	10	limited	limit	VERB
ajfa-4326	52	11	1993/07/07	1993/07/07	NUM
ajfa-4326	52	12	8	8	NUM
ajfa-4326	52	13	.	.	PUNCT
ajfa-4326	53	1	nepal	nepal	PROPN
ajfa-4326	53	2	bangladesh	bangladesh	PROPN
ajfa-4326	53	3	bank	bank	PROPN
ajfa-4326	53	4	limited	limit	VERB
ajfa-4326	53	5	1993/06/05	1993/06/05	NUM
ajfa-4326	53	6	9	9	NUM
ajfa-4326	53	7	.	.	X
ajfa-4326	53	8	everest	everest	PROPN
ajfa-4326	53	9	bank	bank	PROPN
ajfa-4326	53	10	limited	limit	VERB
ajfa-4326	53	11	1994/10/18	1994/10/18	NUM
ajfa-4326	53	12	10	10	NUM
ajfa-4326	53	13	.	.	PUNCT
ajfa-4326	54	1	bank	bank	PROPN
ajfa-4326	54	2	of	of	ADP
ajfa-4326	54	3	kathmandu	kathmandu	PROPN
ajfa-4326	54	4	limited	limit	VERB
ajfa-4326	54	5	1995/03/12	1995/03/12	NUM
ajfa-4326	54	6	source	source	NOUN
ajfa-4326	54	7	:	:	PUNCT
ajfa-4326	54	8	nepal	nepal	PROPN
ajfa-4326	54	9	rastra	rastra	PROPN
ajfa-4326	54	10	bank	bank	PROPN
ajfa-4326	54	11	(	(	PUNCT
ajfa-4326	54	12	2012	2012	NUM
ajfa-4326	54	13	)	)	PUNCT
ajfa-4326	54	14	many	many	ADJ
ajfa-4326	54	15	prominent	prominent	ADJ
ajfa-4326	54	16	authors	author	NOUN
ajfa-4326	54	17	agree	agree	VERB
ajfa-4326	54	18	to	to	ADP
ajfa-4326	54	19	the	the	DET
ajfa-4326	54	20	fact	fact	NOUN
ajfa-4326	54	21	that	that	SCONJ
ajfa-4326	54	22	banks	bank	NOUN
ajfa-4326	54	23	and	and	CCONJ
ajfa-4326	54	24	financial	financial	ADJ
ajfa-4326	54	25	institutions	institution	NOUN
ajfa-4326	54	26	such	such	ADJ
ajfa-4326	54	27	as	as	ADP
ajfa-4326	54	28	development	development	NOUN
ajfa-4326	54	29	banks	bank	NOUN
ajfa-4326	54	30	,	,	PUNCT
ajfa-4326	54	31	co	co	NOUN
ajfa-4326	54	32	-	-	NOUN
ajfa-4326	54	33	operatives	operative	NOUN
ajfa-4326	54	34	,	,	PUNCT
ajfa-4326	54	35	finance	finance	NOUN
ajfa-4326	54	36	companies	company	NOUN
ajfa-4326	54	37	,	,	PUNCT
ajfa-4326	54	38	merchant	merchant	NOUN
ajfa-4326	54	39	banks	bank	NOUN
ajfa-4326	54	40	,	,	PUNCT
ajfa-4326	54	41	and	and	CCONJ
ajfa-4326	54	42	insurance	insurance	NOUN
ajfa-4326	54	43	companies	company	NOUN
ajfa-4326	54	44	directly	directly	ADV
ajfa-4326	54	45	and	and	CCONJ
ajfa-4326	54	46	indirectly	indirectly	ADV
ajfa-4326	54	47	affect	affect	VERB
ajfa-4326	54	48	the	the	DET
ajfa-4326	54	49	economic	economic	ADJ
ajfa-4326	54	50	development	development	NOUN
ajfa-4326	54	51	and	and	CCONJ
ajfa-4326	54	52	are	be	AUX
ajfa-4326	54	53	established	establish	VERB
ajfa-4326	54	54	all	all	ADV
ajfa-4326	54	55	over	over	ADP
ajfa-4326	54	56	the	the	DET
ajfa-4326	54	57	world	world	NOUN
ajfa-4326	54	58	to	to	PART
ajfa-4326	54	59	mobilize	mobilize	VERB
ajfa-4326	54	60	savings	saving	NOUN
ajfa-4326	54	61	and	and	CCONJ
ajfa-4326	54	62	invest	invest	VERB
ajfa-4326	54	63	into	into	ADP
ajfa-4326	54	64	economy	economy	NOUN
ajfa-4326	54	65	either	either	CCONJ
ajfa-4326	54	66	directly	directly	ADV
ajfa-4326	54	67	and	and	CCONJ
ajfa-4326	54	68	indirectly	indirectly	ADV
ajfa-4326	54	69	for	for	ADP
ajfa-4326	54	70	production	production	NOUN
ajfa-4326	54	71	and	and	CCONJ
ajfa-4326	54	72	generation	generation	NOUN
ajfa-4326	54	73	of	of	ADP
ajfa-4326	54	74	income	income	NOUN
ajfa-4326	54	75	and	and	CCONJ
ajfa-4326	54	76	employment	employment	NOUN
ajfa-4326	54	77	.	.	PUNCT
ajfa-4326	55	1	with	with	ADP
ajfa-4326	55	2	liberalization	liberalization	NOUN
ajfa-4326	55	3	and	and	CCONJ
ajfa-4326	55	4	increasing	increase	VERB
ajfa-4326	55	5	competition	competition	NOUN
ajfa-4326	55	6	,	,	PUNCT
ajfa-4326	55	7	the	the	DET
ajfa-4326	55	8	banking	banking	NOUN
ajfa-4326	55	9	sector	sector	NOUN
ajfa-4326	55	10	registered	register	VERB
ajfa-4326	55	11	impressive	impressive	ADJ
ajfa-4326	55	12	achievement	achievement	NOUN
ajfa-4326	55	13	in	in	ADP
ajfa-4326	55	14	terms	term	NOUN
ajfa-4326	55	15	of	of	ADP
ajfa-4326	55	16	branch	branch	NOUN
ajfa-4326	55	17	expansion	expansion	NOUN
ajfa-4326	55	18	,	,	PUNCT
ajfa-4326	55	19	deposits	deposit	NOUN
ajfa-4326	55	20	,	,	PUNCT
ajfa-4326	55	21	credit	credit	NOUN
ajfa-4326	55	22	,	,	PUNCT
ajfa-4326	55	23	and	and	CCONJ
ajfa-4326	55	24	investment	investment	NOUN
ajfa-4326	55	25	as	as	SCONJ
ajfa-4326	55	26	shown	show	VERB
ajfa-4326	55	27	in	in	ADP
ajfa-4326	55	28	table	table	NOUN
ajfa-4326	55	29	3	3	NUM
ajfa-4326	55	30	.	.	PUNCT
ajfa-4326	55	31	table	table	NOUN
ajfa-4326	55	32	3	3	NUM
ajfa-4326	55	33	.	.	PUNCT
ajfa-4326	56	1	growth	growth	NOUN
ajfa-4326	56	2	of	of	ADP
ajfa-4326	56	3	commercial	commercial	ADJ
ajfa-4326	56	4	bank	bank	NOUN
ajfa-4326	56	5	in	in	ADP
ajfa-4326	56	6	terms	term	NOUN
ajfa-4326	56	7	of	of	ADP
ajfa-4326	56	8	branches	branch	NOUN
ajfa-4326	56	9	,	,	PUNCT
ajfa-4326	56	10	deposits	deposit	NOUN
ajfa-4326	56	11	,	,	PUNCT
ajfa-4326	56	12	credit	credit	NOUN
ajfa-4326	56	13	and	and	CCONJ
ajfa-4326	56	14	investment	investment	NOUN
ajfa-4326	56	15	years	year	NOUN
ajfa-4326	56	16	as	as	ADP
ajfa-4326	56	17	of	of	ADP
ajfa-4326	56	18	july	july	PROPN
ajfa-4326	56	19	number	number	NOUN
ajfa-4326	56	20	of	of	ADP
ajfa-4326	56	21	bank	bank	NOUN
ajfa-4326	56	22	branches	branch	NOUN
ajfa-4326	56	23	in	in	ADP
ajfa-4326	56	24	units	unit	NOUN
ajfa-4326	56	25	total	total	ADJ
ajfa-4326	56	26	deposits	deposit	NOUN
ajfa-4326	56	27	in	in	ADP
ajfa-4326	56	28	million	million	NUM
ajfa-4326	56	29	rs	rs	NOUN
ajfa-4326	56	30	.	.	PUNCT
ajfa-4326	57	1	total	total	ADJ
ajfa-4326	57	2	credit	credit	NOUN
ajfa-4326	57	3	in	in	ADP
ajfa-4326	57	4	million	million	NUM
ajfa-4326	57	5	rs	rs	NOUN
ajfa-4326	57	6	.	.	PUNCT
ajfa-4326	58	1	total	total	ADJ
ajfa-4326	58	2	investment	investment	NOUN
ajfa-4326	58	3	in	in	ADP
ajfa-4326	58	4	million	million	NUM
ajfa-4326	58	5	rs	rs	NOUN
ajfa-4326	58	6	.	.	PUNCT
ajfa-4326	59	1	2001	2001	NUM
ajfa-4326	59	2	430	430	NUM
ajfa-4326	59	3	181,767.00	181,767.00	NUM
ajfa-4326	59	4	109,121.20	109,121.20	NUM
ajfa-4326	59	5	25,446.50	25,446.50	NUM
ajfa-4326	59	6	2002	2002	NUM
ajfa-4326	59	7	413	413	NUM
ajfa-4326	60	1	185,144.70	185,144.70	NUM
ajfa-4326	60	2	113,174.60	113,174.60	NUM
ajfa-4326	60	3	34,209.80	34,209.80	NUM
ajfa-4326	60	4	2003	2003	NUM
ajfa-4326	61	1	447	447	NUM
ajfa-4326	61	2	203,879.30	203,879.30	NUM
ajfa-4326	61	3	124,522.40	124,522.40	NUM
ajfa-4326	61	4	45,386.30	45,386.30	PROPN
ajfa-4326	61	5	2004	2004	NUM
ajfa-4326	61	6	423	423	NUM
ajfa-4326	61	7	233,811.20	233,811.20	NUM
ajfa-4326	61	8	140,031.40	140,031.40	NUM
ajfa-4326	61	9	49,668.60	49,668.60	NUM
ajfa-4326	61	10	2005	2005	NUM
ajfa-4326	61	11	422	422	NUM
ajfa-4326	61	12	232,409.80	232,409.80	NUM
ajfa-4326	61	13	163,718.80	163,718.80	NUM
ajfa-4326	61	14	60,181.10	60,181.10	ADJ
ajfa-4326	61	15	2006	2006	NUM
ajfa-4326	61	16	437	437	NUM
ajfa-4326	61	17	291,245.50	291,245.50	NUM
ajfa-4326	61	18	176,820.30	176,820.30	NUM
ajfa-4326	61	19	82,173.70	82,173.70	NUM
ajfa-4326	61	20	2007	2007	NUM
ajfa-4326	61	21	440	440	NUM
ajfa-4326	61	22	337,497.20	337,497.20	NUM
ajfa-4326	61	23	231,829.50	231,829.50	NUM
ajfa-4326	61	24	93,530.80	93,530.80	NUM
ajfa-4326	61	25	2008	2008	NUM
ajfa-4326	61	26	555	555	NUM
ajfa-4326	61	27	426,080.30	426,080.30	NUM
ajfa-4326	61	28	302,912.40	302,912.40	NUM
ajfa-4326	61	29	108,954.80	108,954.80	NUM
ajfa-4326	61	30	2009	2009	NUM
ajfa-4326	61	31	752	752	NUM
ajfa-4326	61	32	563,604.40	563,604.40	NUM
ajfa-4326	61	33	398,143.00	398,143.00	NUM
ajfa-4326	61	34	130,856.90	130,856.90	NUM
ajfa-4326	61	35	2010	2010	NUM
ajfa-4326	61	36	987	987	NUM
ajfa-4326	61	37	630,880.84	630,880.84	NUM
ajfa-4326	61	38	469,279.84	469,279.84	NUM
ajfa-4326	61	39	134,041.09	134,041.09	NUM
ajfa-4326	61	40	2011	2011	NUM
ajfa-4326	61	41	1245	1245	NUM
ajfa-4326	61	42	687,587.89	687,587.89	NUM
ajfa-4326	61	43	528,023.14	528,023.14	NUM
ajfa-4326	61	44	149,557.36	149,557.36	NUM
ajfa-4326	61	45	2012	2012	NUM
ajfa-4326	61	46	1423	1423	NUM
ajfa-4326	61	47	867,978.25	867,978.25	NUM
ajfa-4326	61	48	622,575.49	622,575.49	NUM
ajfa-4326	61	49	181,272.66	181,272.66	NUM
ajfa-4326	61	50	source	source	NOUN
ajfa-4326	61	51	:	:	PUNCT
ajfa-4326	61	52	nepal	nepal	PROPN
ajfa-4326	61	53	rastra	rastra	PROPN
ajfa-4326	61	54	bank	bank	PROPN
ajfa-4326	61	55	(	(	PUNCT
ajfa-4326	61	56	2012	2012	NUM
ajfa-4326	61	57	)	)	PUNCT
ajfa-4326	61	58	nepal	nepal	PROPN
ajfa-4326	61	59	’s	’s	PART
ajfa-4326	61	60	commercial	commercial	ADJ
ajfa-4326	61	61	bank	bank	NOUN
ajfa-4326	61	62	sector	sector	NOUN
ajfa-4326	61	63	has	have	AUX
ajfa-4326	61	64	grown	grow	VERB
ajfa-4326	61	65	at	at	ADP
ajfa-4326	61	66	a	a	DET
ajfa-4326	61	67	rate	rate	NOUN
ajfa-4326	61	68	of	of	ADP
ajfa-4326	61	69	15.29	15.29	NUM
ajfa-4326	61	70	%	%	NOUN
ajfa-4326	61	71	with	with	ADP
ajfa-4326	61	72	respect	respect	NOUN
ajfa-4326	61	73	to	to	ADP
ajfa-4326	61	74	deposits	deposit	NOUN
ajfa-4326	61	75	,	,	PUNCT
ajfa-4326	61	76	15.50	15.50	NUM
ajfa-4326	61	77	%	%	NOUN
ajfa-4326	61	78	with	with	ADP
ajfa-4326	61	79	respect	respect	NOUN
ajfa-4326	61	80	to	to	ADP
ajfa-4326	61	81	credit	credit	NOUN
ajfa-4326	61	82	and	and	CCONJ
ajfa-4326	61	83	10.72	10.72	NUM
ajfa-4326	61	84	%	%	NOUN
ajfa-4326	61	85	with	with	ADP
ajfa-4326	61	86	respect	respect	NOUN
ajfa-4326	61	87	to	to	ADP
ajfa-4326	61	88	investments	investment	NOUN
ajfa-4326	61	89	indicating	indicate	VERB
ajfa-4326	61	90	increase	increase	NOUN
ajfa-4326	61	91	in	in	ADP
ajfa-4326	61	92	liquidity	liquidity	NOUN
ajfa-4326	61	93	over	over	ADP
ajfa-4326	61	94	the	the	DET
ajfa-4326	61	95	period	period	NOUN
ajfa-4326	61	96	of	of	ADP
ajfa-4326	61	97	five	five	NUM
ajfa-4326	61	98	years	year	NOUN
ajfa-4326	61	99	from	from	ADP
ajfa-4326	61	100	2007/08	2007/08	NUM
ajfa-4326	61	101	to	to	ADP
ajfa-4326	61	102	2011/12	2011/12	NUM
ajfa-4326	61	103	.	.	PUNCT
ajfa-4326	62	1	the	the	DET
ajfa-4326	62	2	commercial	commercial	PROPN
ajfa-4326	62	3	bank	bank	PROPN
ajfa-4326	62	4	’s	’s	PART
ajfa-4326	62	5	share	share	NOUN
ajfa-4326	62	6	of	of	ADP
ajfa-4326	62	7	total	total	ADJ
ajfa-4326	62	8	asian	asian	ADJ
ajfa-4326	62	9	journal	journal	NOUN
ajfa-4326	62	10	of	of	ADP
ajfa-4326	62	11	finance	finance	PROPN
ajfa-4326	62	12	&	&	CCONJ
ajfa-4326	62	13	accounting	accounting	PROPN
ajfa-4326	62	14	issn	issn	PROPN
ajfa-4326	62	15	1946	1946	NUM
ajfa-4326	62	16	-	-	PUNCT
ajfa-4326	62	17	052x	052x	NOUN
ajfa-4326	62	18	2013	2013	NUM
ajfa-4326	62	19	,	,	PUNCT
ajfa-4326	62	20	vol	vol	NOUN
ajfa-4326	62	21	.	.	PROPN
ajfa-4326	62	22	5	5	NUM
ajfa-4326	62	23	,	,	PUNCT
ajfa-4326	62	24	no	no	INTJ
ajfa-4326	62	25	.	.	NOUN
ajfa-4326	62	26	2	2	NUM
ajfa-4326	62	27	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	62	28	224	224	NUM
ajfa-4326	62	29	deposits	deposit	NOUN
ajfa-4326	62	30	and	and	CCONJ
ajfa-4326	62	31	total	total	ADJ
ajfa-4326	62	32	credit	credit	NOUN
ajfa-4326	62	33	has	have	AUX
ajfa-4326	62	34	also	also	ADV
ajfa-4326	62	35	grown	grow	VERB
ajfa-4326	62	36	over	over	ADP
ajfa-4326	62	37	the	the	DET
ajfa-4326	62	38	year	year	NOUN
ajfa-4326	62	39	as	as	SCONJ
ajfa-4326	62	40	shown	show	VERB
ajfa-4326	62	41	in	in	ADP
ajfa-4326	62	42	table	table	NOUN
ajfa-4326	62	43	4	4	NUM
ajfa-4326	62	44	.	.	PUNCT
ajfa-4326	62	45	even	even	ADV
ajfa-4326	62	46	though	though	ADV
ajfa-4326	62	47	,	,	PUNCT
ajfa-4326	62	48	the	the	DET
ajfa-4326	62	49	commercial	commercial	ADJ
ajfa-4326	62	50	bank	bank	NOUN
ajfa-4326	62	51	sector	sector	NOUN
ajfa-4326	62	52	witnessed	witness	VERB
ajfa-4326	62	53	decline	decline	NOUN
ajfa-4326	62	54	in	in	ADP
ajfa-4326	62	55	share	share	NOUN
ajfa-4326	62	56	of	of	ADP
ajfa-4326	62	57	deposits	deposit	NOUN
ajfa-4326	62	58	and	and	CCONJ
ajfa-4326	62	59	credit	credit	NOUN
ajfa-4326	62	60	in	in	ADP
ajfa-4326	62	61	2010	2010	NUM
ajfa-4326	62	62	and	and	CCONJ
ajfa-4326	62	63	2011	2011	NUM
ajfa-4326	62	64	,	,	PUNCT
ajfa-4326	62	65	the	the	DET
ajfa-4326	62	66	commercial	commercial	ADJ
ajfa-4326	62	67	bank	bank	NOUN
ajfa-4326	62	68	holds	hold	VERB
ajfa-4326	62	69	overwhelming	overwhelming	ADJ
ajfa-4326	62	70	share	share	NOUN
ajfa-4326	62	71	in	in	ADP
ajfa-4326	62	72	the	the	DET
ajfa-4326	62	73	market	market	NOUN
ajfa-4326	62	74	.	.	PUNCT
ajfa-4326	63	1	as	as	ADP
ajfa-4326	63	2	a	a	DET
ajfa-4326	63	3	percentage	percentage	NOUN
ajfa-4326	63	4	of	of	ADP
ajfa-4326	63	5	gdp	gdp	NOUN
ajfa-4326	63	6	,	,	PUNCT
ajfa-4326	63	7	the	the	DET
ajfa-4326	63	8	banking	banking	NOUN
ajfa-4326	63	9	sector	sector	NOUN
ajfa-4326	63	10	has	have	AUX
ajfa-4326	63	11	improved	improve	VERB
ajfa-4326	63	12	from	from	ADP
ajfa-4326	63	13	around	around	ADP
ajfa-4326	63	14	52	52	NUM
ajfa-4326	63	15	%	%	NOUN
ajfa-4326	63	16	to	to	ADP
ajfa-4326	63	17	around	around	ADP
ajfa-4326	63	18	56	56	NUM
ajfa-4326	63	19	%	%	NOUN
ajfa-4326	63	20	in	in	ADP
ajfa-4326	63	21	deposits	deposit	NOUN
ajfa-4326	63	22	and	and	CCONJ
ajfa-4326	63	23	from	from	ADP
ajfa-4326	63	24	around	around	ADP
ajfa-4326	63	25	37	37	NUM
ajfa-4326	63	26	%	%	NOUN
ajfa-4326	63	27	to	to	ADP
ajfa-4326	63	28	around	around	ADP
ajfa-4326	63	29	40	40	NUM
ajfa-4326	63	30	%	%	NOUN
ajfa-4326	63	31	in	in	ADP
ajfa-4326	63	32	credit	credit	NOUN
ajfa-4326	63	33	from	from	ADP
ajfa-4326	63	34	year	year	NOUN
ajfa-4326	63	35	2008	2008	NUM
ajfa-4326	63	36	to	to	ADP
ajfa-4326	63	37	2012	2012	NUM
ajfa-4326	63	38	.	.	PUNCT
ajfa-4326	64	1	table	table	NOUN
ajfa-4326	64	2	4	4	NUM
ajfa-4326	64	3	.	.	PUNCT
ajfa-4326	65	1	share	share	NOUN
ajfa-4326	65	2	of	of	ADP
ajfa-4326	65	3	commercial	commercial	ADJ
ajfa-4326	65	4	banks	bank	NOUN
ajfa-4326	65	5	in	in	ADP
ajfa-4326	65	6	terms	term	NOUN
ajfa-4326	65	7	of	of	ADP
ajfa-4326	65	8	deposits	deposit	NOUN
ajfa-4326	65	9	and	and	CCONJ
ajfa-4326	65	10	credit	credit	NOUN
ajfa-4326	65	11	years	year	NOUN
ajfa-4326	65	12	as	as	ADP
ajfa-4326	65	13	of	of	ADP
ajfa-4326	65	14	july	july	PROPN
ajfa-4326	65	15	deposits	deposit	NOUN
ajfa-4326	65	16	credit	credit	NOUN
ajfa-4326	65	17	amount	amount	NOUN
ajfa-4326	65	18	%	%	NOUN
ajfa-4326	65	19	of	of	ADP
ajfa-4326	65	20	share	share	NOUN
ajfa-4326	65	21	%	%	NOUN
ajfa-4326	65	22	of	of	ADP
ajfa-4326	65	23	gdp	gdp	NOUN
ajfa-4326	65	24	amount	amount	NOUN
ajfa-4326	65	25	%	%	NOUN
ajfa-4326	65	26	of	of	ADP
ajfa-4326	65	27	share	share	NOUN
ajfa-4326	65	28	%	%	NOUN
ajfa-4326	65	29	of	of	ADP
ajfa-4326	65	30	gdp	gdp	NOUN
ajfa-4326	65	31	2008	2008	NUM
ajfa-4326	65	32	426,080.30	426,080.30	NUM
ajfa-4326	65	33	83.7	83.7	NUM
ajfa-4326	65	34	%	%	NOUN
ajfa-4326	65	35	51.91	51.91	NUM
ajfa-4326	65	36	%	%	NOUN
ajfa-4326	65	37	302913.40	302913.40	NUM
ajfa-4326	65	38	78.3	78.3	NUM
ajfa-4326	65	39	%	%	NOUN
ajfa-4326	65	40	36.90	36.90	NUM
ajfa-4326	65	41	%	%	NOUN
ajfa-4326	65	42	2009	2009	NUM
ajfa-4326	65	43	563,604.40	563,604.40	NUM
ajfa-4326	65	44	83.5	83.5	NUM
ajfa-4326	65	45	%	%	NOUN
ajfa-4326	65	46	58.71	58.71	NUM
ajfa-4326	65	47	%	%	NOUN
ajfa-4326	65	48	398143.00	398143.00	NUM
ajfa-4326	65	49	77.8	77.8	NUM
ajfa-4326	65	50	%	%	NOUN
ajfa-4326	65	51	41.47	41.47	NUM
ajfa-4326	65	52	%	%	NOUN
ajfa-4326	65	53	2010	2010	NUM
ajfa-4326	65	54	630,880.84	630,880.84	NUM
ajfa-4326	65	55	80.1	80.1	NUM
ajfa-4326	65	56	%	%	NOUN
ajfa-4326	65	57	53.88	53.88	NUM
ajfa-4326	65	58	%	%	NOUN
ajfa-4326	65	59	469279.84	469279.84	NUM
ajfa-4326	65	60	75.2	75.2	NUM
ajfa-4326	65	61	%	%	NOUN
ajfa-4326	65	62	39.89	39.89	NUM
ajfa-4326	65	63	%	%	NOUN
ajfa-4326	65	64	2011	2011	NUM
ajfa-4326	65	65	687,587.89	687,587.89	NUM
ajfa-4326	65	66	78.7	78.7	NUM
ajfa-4326	65	67	%	%	NOUN
ajfa-4326	65	68	51.09	51.09	NUM
ajfa-4326	65	69	%	%	NOUN
ajfa-4326	65	70	528023.14	528023.14	NUM
ajfa-4326	65	71	73.5	73.5	NUM
ajfa-4326	65	72	%	%	NOUN
ajfa-4326	65	73	39.24	39.24	NUM
ajfa-4326	65	74	%	%	NOUN
ajfa-4326	65	75	2012	2012	NUM
ajfa-4326	65	76	867,978.25	867,978.25	NUM
ajfa-4326	65	77	80.6	80.6	NUM
ajfa-4326	65	78	%	%	NOUN
ajfa-4326	65	79	55.70	55.70	NUM
ajfa-4326	65	80	%	%	NOUN
ajfa-4326	65	81	622575.49	622575.49	NUM
ajfa-4326	65	82	77.1	77.1	NUM
ajfa-4326	65	83	%	%	NOUN
ajfa-4326	65	84	39.96	39.96	NUM
ajfa-4326	65	85	%	%	NOUN
ajfa-4326	65	86	source	source	NOUN
ajfa-4326	65	87	:	:	PUNCT
ajfa-4326	65	88	nepal	nepal	PROPN
ajfa-4326	65	89	rastra	rastra	PROPN
ajfa-4326	65	90	bank	bank	PROPN
ajfa-4326	65	91	(	(	PUNCT
ajfa-4326	65	92	2012	2012	NUM
ajfa-4326	65	93	)	)	PUNCT
ajfa-4326	65	94	3	3	NUM
ajfa-4326	65	95	.	.	X
ajfa-4326	65	96	literature	literature	NOUN
ajfa-4326	65	97	review	review	NOUN
ajfa-4326	65	98	in	in	ADP
ajfa-4326	65	99	1953	1953	NUM
ajfa-4326	65	100	,	,	PUNCT
ajfa-4326	65	101	sten	sten	PROPN
ajfa-4326	65	102	malmquist	malmquist	PROPN
ajfa-4326	65	103	,	,	PUNCT
ajfa-4326	65	104	a	a	DET
ajfa-4326	65	105	swedish	swedish	ADJ
ajfa-4326	65	106	economist	economist	NOUN
ajfa-4326	65	107	and	and	CCONJ
ajfa-4326	65	108	statistician	statistician	ADJ
ajfa-4326	65	109	first	first	ADV
ajfa-4326	65	110	derived	derive	VERB
ajfa-4326	65	111	a	a	DET
ajfa-4326	65	112	quantity	quantity	NOUN
ajfa-4326	65	113	index	index	NOUN
ajfa-4326	65	114	for	for	ADP
ajfa-4326	65	115	use	use	NOUN
ajfa-4326	65	116	in	in	ADP
ajfa-4326	65	117	consumption	consumption	NOUN
ajfa-4326	65	118	analysis	analysis	NOUN
ajfa-4326	65	119	in	in	ADP
ajfa-4326	65	120	trabajos	trabajos	PROPN
ajfa-4326	65	121	de	de	X
ajfa-4326	65	122	estadistica	estadistica	PROPN
ajfa-4326	65	123	(	(	PUNCT
ajfa-4326	65	124	malmquist	malmquist	PROPN
ajfa-4326	65	125	,	,	PUNCT
ajfa-4326	65	126	1953	1953	NUM
ajfa-4326	65	127	)	)	PUNCT
ajfa-4326	65	128	.	.	PUNCT
ajfa-4326	66	1	later	later	ADV
ajfa-4326	66	2	caves	cave	VERB
ajfa-4326	66	3	et	et	PROPN
ajfa-4326	66	4	al	al	PROPN
ajfa-4326	66	5	.	.	PUNCT
ajfa-4326	67	1	(	(	PUNCT
ajfa-4326	67	2	1982	1982	NUM
ajfa-4326	67	3	)	)	PUNCT
ajfa-4326	67	4	adapted	adapt	VERB
ajfa-4326	67	5	malmquist	malmquist	PROPN
ajfa-4326	67	6	's	's	PART
ajfa-4326	67	7	idea	idea	NOUN
ajfa-4326	67	8	for	for	ADP
ajfa-4326	67	9	production	production	NOUN
ajfa-4326	67	10	analysis	analysis	NOUN
ajfa-4326	67	11	and	and	CCONJ
ajfa-4326	67	12	they	they	PRON
ajfa-4326	67	13	named	name	VERB
ajfa-4326	67	14	the	the	DET
ajfa-4326	67	15	productivity	productivity	NOUN
ajfa-4326	67	16	changes	change	VERB
ajfa-4326	67	17	index	index	NOUN
ajfa-4326	67	18	after	after	ADP
ajfa-4326	67	19	sten	sten	PROPN
ajfa-4326	67	20	malmquist	malmquist	PROPN
ajfa-4326	67	21	.	.	PUNCT
ajfa-4326	68	1	the	the	DET
ajfa-4326	68	2	application	application	NOUN
ajfa-4326	68	3	of	of	ADP
ajfa-4326	68	4	data	datum	NOUN
ajfa-4326	68	5	envelopment	envelopment	ADJ
ajfa-4326	68	6	analysis	analysis	NOUN
ajfa-4326	68	7	based	base	VERB
ajfa-4326	68	8	on	on	ADP
ajfa-4326	68	9	malmquist	malmquist	ADJ
ajfa-4326	68	10	total	total	ADJ
ajfa-4326	68	11	factor	factor	NOUN
ajfa-4326	68	12	productivity	productivity	NOUN
ajfa-4326	68	13	index	index	NOUN
ajfa-4326	68	14	is	be	AUX
ajfa-4326	68	15	widely	widely	ADV
ajfa-4326	68	16	used	use	VERB
ajfa-4326	68	17	in	in	ADP
ajfa-4326	68	18	the	the	DET
ajfa-4326	68	19	comparison	comparison	NOUN
ajfa-4326	68	20	of	of	ADP
ajfa-4326	68	21	countries	country	NOUN
ajfa-4326	68	22	and	and	CCONJ
ajfa-4326	68	23	aggregate	aggregate	ADJ
ajfa-4326	68	24	comparisons	comparison	NOUN
ajfa-4326	68	25	of	of	ADP
ajfa-4326	68	26	productivity	productivity	NOUN
ajfa-4326	68	27	between	between	ADP
ajfa-4326	68	28	countries	country	NOUN
ajfa-4326	68	29	(	(	PUNCT
ajfa-4326	68	30	fare	fare	VERB
ajfa-4326	68	31	et	et	PROPN
ajfa-4326	68	32	al	al	PROPN
ajfa-4326	68	33	.	.	PROPN
ajfa-4326	68	34	1994	1994	NUM
ajfa-4326	68	35	;	;	PUNCT
ajfa-4326	68	36	yörük	yörük	PROPN
ajfa-4326	68	37	&	&	CCONJ
ajfa-4326	68	38	zaim	zaim	PROPN
ajfa-4326	68	39	,	,	PUNCT
ajfa-4326	68	40	2005	2005	NUM
ajfa-4326	68	41	)	)	PUNCT
ajfa-4326	68	42	as	as	ADV
ajfa-4326	68	43	well	well	ADV
ajfa-4326	68	44	as	as	ADP
ajfa-4326	68	45	various	various	ADJ
ajfa-4326	68	46	economic	economic	ADJ
ajfa-4326	68	47	sectors	sector	NOUN
ajfa-4326	68	48	such	such	ADJ
ajfa-4326	68	49	as	as	ADP
ajfa-4326	68	50	agriculture	agriculture	NOUN
ajfa-4326	68	51	(	(	PUNCT
ajfa-4326	68	52	tauer	tauer	NOUN
ajfa-4326	68	53	,	,	PUNCT
ajfa-4326	68	54	1998	1998	NUM
ajfa-4326	68	55	;	;	PUNCT
ajfa-4326	68	56	mao	mao	PROPN
ajfa-4326	68	57	&	&	CCONJ
ajfa-4326	68	58	koo	koo	PROPN
ajfa-4326	68	59	,	,	PUNCT
ajfa-4326	68	60	1996	1996	NUM
ajfa-4326	68	61	;	;	PUNCT
ajfa-4326	68	62	coelli	coelli	PROPN
ajfa-4326	68	63	&	&	CCONJ
ajfa-4326	68	64	rao	rao	PROPN
ajfa-4326	68	65	,	,	PUNCT
ajfa-4326	68	66	2005	2005	NUM
ajfa-4326	68	67	)	)	PUNCT
ajfa-4326	68	68	,	,	PUNCT
ajfa-4326	68	69	airlines	airline	NOUN
ajfa-4326	68	70	(	(	PUNCT
ajfa-4326	68	71	alam	alam	PROPN
ajfa-4326	68	72	&	&	CCONJ
ajfa-4326	68	73	sickles	sickle	NOUN
ajfa-4326	68	74	,	,	PUNCT
ajfa-4326	68	75	1995	1995	NUM
ajfa-4326	68	76	;	;	PUNCT
ajfa-4326	68	77	gillen	gillen	PROPN
ajfa-4326	68	78	&	&	CCONJ
ajfa-4326	68	79	lall	lall	PROPN
ajfa-4326	68	80	,	,	PUNCT
ajfa-4326	68	81	1997	1997	NUM
ajfa-4326	68	82	;	;	PUNCT
ajfa-4326	68	83	barros	barros	PROPN
ajfa-4326	68	84	&	&	CCONJ
ajfa-4326	68	85	weber	weber	PROPN
ajfa-4326	68	86	,	,	PUNCT
ajfa-4326	68	87	2008	2008	NUM
ajfa-4326	68	88	)	)	PUNCT
ajfa-4326	68	89	,	,	PUNCT
ajfa-4326	68	90	telecommunications	telecommunications	NOUN
ajfa-4326	68	91	industry	industry	NOUN
ajfa-4326	68	92	(	(	PUNCT
ajfa-4326	68	93	uri	uri	PROPN
ajfa-4326	68	94	,	,	PUNCT
ajfa-4326	68	95	2002	2002	NUM
ajfa-4326	68	96	;	;	PUNCT
ajfa-4326	68	97	calabrese	calabrese	PROPN
ajfa-4326	68	98	et	et	PROPN
ajfa-4326	68	99	al	al	PROPN
ajfa-4326	68	100	.	.	PROPN
ajfa-4326	68	101	2001	2001	NUM
ajfa-4326	68	102	)	)	PUNCT
ajfa-4326	68	103	,	,	PUNCT
ajfa-4326	68	104	universities	university	NOUN
ajfa-4326	68	105	(	(	PUNCT
ajfa-4326	68	106	avkiran	avkiran	ADJ
ajfa-4326	68	107	,	,	PUNCT
ajfa-4326	68	108	2001	2001	NUM
ajfa-4326	68	109	)	)	PUNCT
ajfa-4326	68	110	,	,	PUNCT
ajfa-4326	68	111	and	and	CCONJ
ajfa-4326	68	112	energy	energy	NOUN
ajfa-4326	68	113	sector	sector	NOUN
ajfa-4326	68	114	(	(	PUNCT
ajfa-4326	68	115	price	price	NOUN
ajfa-4326	68	116	&	&	CCONJ
ajfa-4326	68	117	weyman	weyman	NOUN
ajfa-4326	68	118	-	-	PUNCT
ajfa-4326	68	119	jones	jones	PROPN
ajfa-4326	68	120	,	,	PUNCT
ajfa-4326	68	121	1996	1996	NUM
ajfa-4326	68	122	)	)	PUNCT
ajfa-4326	68	123	.	.	PUNCT
ajfa-4326	69	1	berg	berg	PROPN
ajfa-4326	69	2	et	et	PROPN
ajfa-4326	69	3	al	al	PROPN
ajfa-4326	69	4	.	.	PROPN
ajfa-4326	70	1	(	(	PUNCT
ajfa-4326	70	2	1992	1992	NUM
ajfa-4326	70	3	)	)	PUNCT
ajfa-4326	70	4	presented	present	VERB
ajfa-4326	70	5	the	the	DET
ajfa-4326	70	6	first	first	ADJ
ajfa-4326	70	7	application	application	NOUN
ajfa-4326	70	8	of	of	ADP
ajfa-4326	70	9	the	the	DET
ajfa-4326	70	10	malmquist	malmquist	PROPN
ajfa-4326	70	11	index	index	NOUN
ajfa-4326	70	12	to	to	PART
ajfa-4326	70	13	measure	measure	VERB
ajfa-4326	70	14	productivity	productivity	NOUN
ajfa-4326	70	15	growth	growth	NOUN
ajfa-4326	70	16	in	in	ADP
ajfa-4326	70	17	the	the	DET
ajfa-4326	70	18	norwegian	norwegian	ADJ
ajfa-4326	70	19	banking	banking	NOUN
ajfa-4326	70	20	system	system	NOUN
ajfa-4326	70	21	in	in	ADP
ajfa-4326	70	22	the	the	DET
ajfa-4326	70	23	pre	pre	NOUN
ajfa-4326	70	24	and	and	CCONJ
ajfa-4326	70	25	post	post	VERB
ajfa-4326	70	26	deregulation	deregulation	NOUN
ajfa-4326	70	27	era	era	NOUN
ajfa-4326	70	28	(	(	PUNCT
ajfa-4326	70	29	1980	1980	NUM
ajfa-4326	70	30	-	-	SYM
ajfa-4326	70	31	89	89	NUM
ajfa-4326	70	32	)	)	PUNCT
ajfa-4326	70	33	,	,	PUNCT
ajfa-4326	70	34	using	use	VERB
ajfa-4326	70	35	the	the	DET
ajfa-4326	70	36	value	value	NOUN
ajfa-4326	70	37	added	add	VERB
ajfa-4326	70	38	approach	approach	NOUN
ajfa-4326	70	39	.	.	PUNCT
ajfa-4326	71	1	their	their	PRON
ajfa-4326	71	2	analysis	analysis	NOUN
ajfa-4326	71	3	showed	show	VERB
ajfa-4326	71	4	that	that	SCONJ
ajfa-4326	71	5	the	the	DET
ajfa-4326	71	6	productivity	productivity	NOUN
ajfa-4326	71	7	exhibited	exhibit	VERB
ajfa-4326	71	8	a	a	DET
ajfa-4326	71	9	lackluster	lackluster	ADJ
ajfa-4326	71	10	performance	performance	NOUN
ajfa-4326	71	11	in	in	ADP
ajfa-4326	71	12	the	the	DET
ajfa-4326	71	13	pre	pre	ADJ
ajfa-4326	71	14	-	-	ADJ
ajfa-4326	71	15	deregulation	deregulation	ADJ
ajfa-4326	71	16	era	era	NOUN
ajfa-4326	71	17	,	,	PUNCT
ajfa-4326	71	18	however	however	ADV
ajfa-4326	71	19	,	,	PUNCT
ajfa-4326	71	20	the	the	DET
ajfa-4326	71	21	productivity	productivity	NOUN
ajfa-4326	71	22	increased	increase	VERB
ajfa-4326	71	23	remarkably	remarkably	ADV
ajfa-4326	71	24	in	in	ADP
ajfa-4326	71	25	the	the	DET
ajfa-4326	71	26	post	post	ADJ
ajfa-4326	71	27	-	-	ADJ
ajfa-4326	71	28	deregulation	deregulation	ADJ
ajfa-4326	71	29	era	era	NOUN
ajfa-4326	71	30	suggesting	suggest	VERB
ajfa-4326	71	31	that	that	SCONJ
ajfa-4326	71	32	deregulation	deregulation	NOUN
ajfa-4326	71	33	led	lead	VERB
ajfa-4326	71	34	to	to	ADP
ajfa-4326	71	35	more	more	ADV
ajfa-4326	71	36	competitive	competitive	ADJ
ajfa-4326	71	37	environment	environment	NOUN
ajfa-4326	71	38	,	,	PUNCT
ajfa-4326	71	39	especially	especially	ADV
ajfa-4326	71	40	for	for	ADP
ajfa-4326	71	41	larger	large	ADJ
ajfa-4326	71	42	banks	bank	NOUN
ajfa-4326	71	43	.	.	PUNCT
ajfa-4326	72	1	likewise	likewise	ADV
ajfa-4326	72	2	,	,	PUNCT
ajfa-4326	72	3	using	use	VERB
ajfa-4326	72	4	a	a	DET
ajfa-4326	72	5	generalized	generalized	ADJ
ajfa-4326	72	6	malmquist	malmquist	NOUN
ajfa-4326	72	7	productivity	productivity	NOUN
ajfa-4326	72	8	index	index	NOUN
ajfa-4326	72	9	,	,	PUNCT
ajfa-4326	72	10	grifell	grifell	ADJ
ajfa-4326	72	11	-	-	PUNCT
ajfa-4326	72	12	tatje	tatje	PROPN
ajfa-4326	72	13	&	&	CCONJ
ajfa-4326	72	14	lowell	lowell	PROPN
ajfa-4326	72	15	(	(	PUNCT
ajfa-4326	72	16	1997	1997	NUM
ajfa-4326	72	17	)	)	PUNCT
ajfa-4326	72	18	analyzed	analyze	VERB
ajfa-4326	72	19	the	the	DET
ajfa-4326	72	20	sources	source	NOUN
ajfa-4326	72	21	of	of	ADP
ajfa-4326	72	22	productivity	productivity	NOUN
ajfa-4326	72	23	change	change	NOUN
ajfa-4326	72	24	in	in	ADP
ajfa-4326	72	25	spanish	spanish	ADJ
ajfa-4326	72	26	banking	banking	NOUN
ajfa-4326	72	27	over	over	ADP
ajfa-4326	72	28	the	the	DET
ajfa-4326	72	29	period	period	NOUN
ajfa-4326	72	30	1986	1986	NUM
ajfa-4326	72	31	-	-	SYM
ajfa-4326	72	32	1993	1993	NUM
ajfa-4326	72	33	and	and	CCONJ
ajfa-4326	72	34	found	find	VERB
ajfa-4326	72	35	that	that	SCONJ
ajfa-4326	72	36	the	the	DET
ajfa-4326	72	37	commercial	commercial	ADJ
ajfa-4326	72	38	banks	bank	NOUN
ajfa-4326	72	39	had	have	VERB
ajfa-4326	72	40	a	a	DET
ajfa-4326	72	41	lower	low	ADJ
ajfa-4326	72	42	rate	rate	NOUN
ajfa-4326	72	43	of	of	ADP
ajfa-4326	72	44	productivity	productivity	NOUN
ajfa-4326	72	45	growth	growth	NOUN
ajfa-4326	72	46	compared	compare	VERB
ajfa-4326	72	47	to	to	ADP
ajfa-4326	72	48	saving	save	VERB
ajfa-4326	72	49	banks	bank	NOUN
ajfa-4326	72	50	,	,	PUNCT
ajfa-4326	72	51	but	but	CCONJ
ajfa-4326	72	52	a	a	DET
ajfa-4326	72	53	higher	high	ADJ
ajfa-4326	72	54	rate	rate	NOUN
ajfa-4326	72	55	of	of	ADP
ajfa-4326	72	56	potential	potential	ADJ
ajfa-4326	72	57	productivity	productivity	NOUN
ajfa-4326	72	58	growth	growth	NOUN
ajfa-4326	72	59	.	.	PUNCT
ajfa-4326	73	1	drake	drake	NOUN
ajfa-4326	73	2	(	(	PUNCT
ajfa-4326	73	3	2001	2001	NUM
ajfa-4326	73	4	)	)	PUNCT
ajfa-4326	73	5	studied	study	VERB
ajfa-4326	73	6	efficiency	efficiency	NOUN
ajfa-4326	73	7	and	and	CCONJ
ajfa-4326	73	8	productivity	productivity	NOUN
ajfa-4326	73	9	changes	change	NOUN
ajfa-4326	73	10	in	in	ADP
ajfa-4326	73	11	the	the	DET
ajfa-4326	73	12	main	main	ADJ
ajfa-4326	73	13	uk	uk	PROPN
ajfa-4326	73	14	banks	bank	NOUN
ajfa-4326	73	15	over	over	ADP
ajfa-4326	73	16	the	the	DET
ajfa-4326	73	17	period	period	NOUN
ajfa-4326	73	18	1984	1984	NUM
ajfa-4326	73	19	to	to	ADP
ajfa-4326	73	20	1995	1995	NUM
ajfa-4326	73	21	and	and	CCONJ
ajfa-4326	73	22	suggested	suggest	VERB
ajfa-4326	73	23	that	that	SCONJ
ajfa-4326	73	24	bank	bank	NOUN
ajfa-4326	73	25	scale	scale	NOUN
ajfa-4326	73	26	inefficiencies	inefficiency	NOUN
ajfa-4326	73	27	were	be	AUX
ajfa-4326	73	28	a	a	DET
ajfa-4326	73	29	more	more	ADV
ajfa-4326	73	30	severe	severe	ADJ
ajfa-4326	73	31	problem	problem	NOUN
ajfa-4326	73	32	than	than	ADP
ajfa-4326	73	33	x	x	NOUN
ajfa-4326	73	34	-	-	NOUN
ajfa-4326	73	35	efficiencies	efficiency	NOUN
ajfa-4326	73	36	.	.	PUNCT
ajfa-4326	74	1	drake	drake	PROPN
ajfa-4326	74	2	’s	’s	PART
ajfa-4326	74	3	malmquist	malmquist	PROPN
ajfa-4326	74	4	productivity	productivity	NOUN
ajfa-4326	74	5	indices	index	NOUN
ajfa-4326	74	6	suggested	suggest	VERB
ajfa-4326	74	7	that	that	SCONJ
ajfa-4326	74	8	,	,	PUNCT
ajfa-4326	74	9	on	on	ADP
ajfa-4326	74	10	the	the	DET
ajfa-4326	74	11	whole	whole	NOUN
ajfa-4326	74	12	,	,	PUNCT
ajfa-4326	74	13	uk	uk	PROPN
ajfa-4326	74	14	banks	bank	NOUN
ajfa-4326	74	15	exhibited	exhibit	VERB
ajfa-4326	74	16	positive	positive	ADJ
ajfa-4326	74	17	productivity	productivity	NOUN
ajfa-4326	74	18	growth	growth	NOUN
ajfa-4326	74	19	over	over	ADP
ajfa-4326	74	20	the	the	DET
ajfa-4326	74	21	period	period	NOUN
ajfa-4326	74	22	.	.	PUNCT
ajfa-4326	75	1	sathye	sathye	NOUN
ajfa-4326	75	2	(	(	PUNCT
ajfa-4326	75	3	2002	2002	NUM
ajfa-4326	75	4	)	)	PUNCT
ajfa-4326	75	5	also	also	ADV
ajfa-4326	75	6	used	use	VERB
ajfa-4326	75	7	malmquist	malmquist	NOUN
ajfa-4326	75	8	index	index	NOUN
ajfa-4326	75	9	to	to	PART
ajfa-4326	75	10	analyze	analyze	VERB
ajfa-4326	75	11	productivity	productivity	NOUN
ajfa-4326	75	12	changes	change	NOUN
ajfa-4326	75	13	from	from	ADP
ajfa-4326	75	14	1995	1995	NUM
ajfa-4326	75	15	-	-	SYM
ajfa-4326	75	16	1999	1999	NUM
ajfa-4326	75	17	in	in	ADP
ajfa-4326	75	18	a	a	DET
ajfa-4326	75	19	panel	panel	NOUN
ajfa-4326	75	20	of	of	ADP
ajfa-4326	75	21	17	17	NUM
ajfa-4326	75	22	australian	australian	ADJ
ajfa-4326	75	23	asian	asian	ADJ
ajfa-4326	75	24	journal	journal	NOUN
ajfa-4326	75	25	of	of	ADP
ajfa-4326	75	26	finance	finance	PROPN
ajfa-4326	75	27	&	&	CCONJ
ajfa-4326	75	28	accounting	accounting	PROPN
ajfa-4326	75	29	issn	issn	PROPN
ajfa-4326	75	30	1946	1946	NUM
ajfa-4326	75	31	-	-	PUNCT
ajfa-4326	75	32	052x	052x	NOUN
ajfa-4326	75	33	2013	2013	NUM
ajfa-4326	75	34	,	,	PUNCT
ajfa-4326	75	35	vol	vol	NOUN
ajfa-4326	75	36	.	.	PROPN
ajfa-4326	75	37	5	5	NUM
ajfa-4326	75	38	,	,	PUNCT
ajfa-4326	75	39	no	no	INTJ
ajfa-4326	75	40	.	.	NOUN
ajfa-4326	75	41	2	2	NUM
ajfa-4326	75	42	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	75	43	225	225	NUM
ajfa-4326	75	44	banks	bank	NOUN
ajfa-4326	75	45	to	to	PART
ajfa-4326	75	46	assess	assess	VERB
ajfa-4326	75	47	the	the	DET
ajfa-4326	75	48	effects	effect	NOUN
ajfa-4326	75	49	of	of	ADP
ajfa-4326	75	50	deregulation	deregulation	NOUN
ajfa-4326	75	51	and	and	CCONJ
ajfa-4326	75	52	the	the	DET
ajfa-4326	75	53	reforms	reform	NOUN
ajfa-4326	75	54	introduced	introduce	VERB
ajfa-4326	75	55	by	by	ADP
ajfa-4326	75	56	the	the	DET
ajfa-4326	75	57	wallis	wallis	PROPN
ajfa-4326	75	58	report	report	NOUN
ajfa-4326	75	59	of	of	ADP
ajfa-4326	75	60	1997	1997	NUM
ajfa-4326	75	61	.	.	PUNCT
ajfa-4326	76	1	sathye	sathye	NOUN
ajfa-4326	76	2	(	(	PUNCT
ajfa-4326	76	3	2002	2002	NUM
ajfa-4326	76	4	)	)	PUNCT
ajfa-4326	76	5	found	find	VERB
ajfa-4326	76	6	a	a	DET
ajfa-4326	76	7	decline	decline	NOUN
ajfa-4326	76	8	of	of	ADP
ajfa-4326	76	9	3.1	3.1	NUM
ajfa-4326	76	10	per	per	NOUN
ajfa-4326	76	11	cent	cent	NOUN
ajfa-4326	76	12	in	in	ADP
ajfa-4326	76	13	technical	technical	ADJ
ajfa-4326	76	14	efficiency	efficiency	NOUN
ajfa-4326	76	15	over	over	ADP
ajfa-4326	76	16	the	the	DET
ajfa-4326	76	17	period	period	NOUN
ajfa-4326	76	18	and	and	CCONJ
ajfa-4326	76	19	of	of	ADP
ajfa-4326	76	20	3.5	3.5	NUM
ajfa-4326	76	21	per	per	NOUN
ajfa-4326	76	22	cent	cent	NOUN
ajfa-4326	76	23	in	in	ADP
ajfa-4326	76	24	the	the	DET
ajfa-4326	76	25	total	total	ADJ
ajfa-4326	76	26	factor	factor	NOUN
ajfa-4326	76	27	productivity	productivity	NOUN
ajfa-4326	76	28	index	index	NOUN
ajfa-4326	76	29	,	,	PUNCT
ajfa-4326	76	30	although	although	SCONJ
ajfa-4326	76	31	annual	annual	ADJ
ajfa-4326	76	32	productivity	productivity	NOUN
ajfa-4326	76	33	grew	grow	VERB
ajfa-4326	76	34	by	by	ADP
ajfa-4326	76	35	1.3	1.3	NUM
ajfa-4326	76	36	per	per	ADP
ajfa-4326	76	37	cent	cent	NOUN
ajfa-4326	76	38	.	.	PUNCT
ajfa-4326	77	1	likewise	likewise	ADV
ajfa-4326	77	2	,	,	PUNCT
ajfa-4326	77	3	neal	neal	PROPN
ajfa-4326	77	4	(	(	PUNCT
ajfa-4326	77	5	2004	2004	NUM
ajfa-4326	77	6	)	)	PUNCT
ajfa-4326	77	7	measured	measure	VERB
ajfa-4326	77	8	x	x	NOUN
ajfa-4326	77	9	-	-	NOUN
ajfa-4326	77	10	efficiency	efficiency	NOUN
ajfa-4326	77	11	and	and	CCONJ
ajfa-4326	77	12	productivity	productivity	NOUN
ajfa-4326	77	13	change	change	NOUN
ajfa-4326	77	14	of	of	ADP
ajfa-4326	77	15	australian	australian	ADJ
ajfa-4326	77	16	banks	bank	NOUN
ajfa-4326	77	17	for	for	ADP
ajfa-4326	77	18	the	the	DET
ajfa-4326	77	19	period	period	NOUN
ajfa-4326	77	20	of	of	ADP
ajfa-4326	77	21	1995	1995	NUM
ajfa-4326	77	22	-	-	SYM
ajfa-4326	77	23	1999	1999	NUM
ajfa-4326	77	24	.	.	PUNCT
ajfa-4326	78	1	the	the	DET
ajfa-4326	78	2	findings	finding	NOUN
ajfa-4326	78	3	displayed	display	VERB
ajfa-4326	78	4	that	that	SCONJ
ajfa-4326	78	5	overall	overall	ADJ
ajfa-4326	78	6	efficiency	efficiency	NOUN
ajfa-4326	78	7	had	have	VERB
ajfa-4326	78	8	a	a	DET
ajfa-4326	78	9	declining	decline	VERB
ajfa-4326	78	10	trend	trend	NOUN
ajfa-4326	78	11	until	until	ADP
ajfa-4326	78	12	1997	1997	NUM
ajfa-4326	78	13	but	but	CCONJ
ajfa-4326	78	14	rose	rise	VERB
ajfa-4326	78	15	in	in	ADP
ajfa-4326	78	16	1998	1998	NUM
ajfa-4326	78	17	as	as	ADV
ajfa-4326	78	18	well	well	ADV
ajfa-4326	78	19	as	as	ADP
ajfa-4326	78	20	1999	1999	NUM
ajfa-4326	78	21	,	,	PUNCT
ajfa-4326	78	22	and	and	CCONJ
ajfa-4326	78	23	allocative	allocative	ADJ
ajfa-4326	78	24	efficiency	efficiency	NOUN
ajfa-4326	78	25	of	of	ADP
ajfa-4326	78	26	banks	bank	NOUN
ajfa-4326	78	27	was	be	AUX
ajfa-4326	78	28	higher	high	ADJ
ajfa-4326	78	29	than	than	ADP
ajfa-4326	78	30	technical	technical	ADJ
ajfa-4326	78	31	efficiency	efficiency	NOUN
ajfa-4326	78	32	.	.	PUNCT
ajfa-4326	79	1	handful	handful	NOUN
ajfa-4326	79	2	of	of	ADP
ajfa-4326	79	3	research	research	NOUN
ajfa-4326	79	4	has	have	AUX
ajfa-4326	79	5	also	also	ADV
ajfa-4326	79	6	been	be	AUX
ajfa-4326	79	7	devoted	devote	VERB
ajfa-4326	79	8	to	to	PART
ajfa-4326	79	9	investigate	investigate	VERB
ajfa-4326	79	10	the	the	DET
ajfa-4326	79	11	efficiency	efficiency	NOUN
ajfa-4326	79	12	of	of	ADP
ajfa-4326	79	13	banks	bank	NOUN
ajfa-4326	79	14	in	in	ADP
ajfa-4326	79	15	asian	asian	ADJ
ajfa-4326	79	16	countries	country	NOUN
ajfa-4326	79	17	.	.	PUNCT
ajfa-4326	80	1	bhattacharyya	bhattacharyya	INTJ
ajfa-4326	80	2	et	et	PROPN
ajfa-4326	80	3	al	al	PROPN
ajfa-4326	80	4	.	.	PROPN
ajfa-4326	81	1	(	(	PUNCT
ajfa-4326	81	2	1997	1997	NUM
ajfa-4326	81	3	)	)	PUNCT
ajfa-4326	81	4	examined	examine	VERB
ajfa-4326	81	5	the	the	DET
ajfa-4326	81	6	productive	productive	ADJ
ajfa-4326	81	7	efficiency	efficiency	NOUN
ajfa-4326	81	8	of	of	ADP
ajfa-4326	81	9	indian	indian	ADJ
ajfa-4326	81	10	commercial	commercial	ADJ
ajfa-4326	81	11	banks	bank	NOUN
ajfa-4326	81	12	during	during	ADP
ajfa-4326	81	13	1986	1986	NUM
ajfa-4326	81	14	-	-	SYM
ajfa-4326	81	15	1991	1991	NUM
ajfa-4326	81	16	and	and	CCONJ
ajfa-4326	81	17	found	find	VERB
ajfa-4326	81	18	a	a	DET
ajfa-4326	81	19	marginal	marginal	ADJ
ajfa-4326	81	20	increase	increase	NOUN
ajfa-4326	81	21	in	in	ADP
ajfa-4326	81	22	overall	overall	ADJ
ajfa-4326	81	23	average	average	ADJ
ajfa-4326	81	24	performance	performance	NOUN
ajfa-4326	81	25	after	after	ADP
ajfa-4326	81	26	1987	1987	NUM
ajfa-4326	81	27	and	and	CCONJ
ajfa-4326	81	28	the	the	DET
ajfa-4326	81	29	average	average	ADJ
ajfa-4326	81	30	efficiency	efficiency	NOUN
ajfa-4326	81	31	of	of	ADP
ajfa-4326	81	32	publicly	publicly	ADV
ajfa-4326	81	33	owned	own	VERB
ajfa-4326	81	34	banks	bank	NOUN
ajfa-4326	81	35	is	be	AUX
ajfa-4326	81	36	much	much	ADV
ajfa-4326	81	37	higher	high	ADJ
ajfa-4326	81	38	than	than	ADP
ajfa-4326	81	39	in	in	ADP
ajfa-4326	81	40	the	the	DET
ajfa-4326	81	41	privately	privately	ADV
ajfa-4326	81	42	owned	own	VERB
ajfa-4326	81	43	or	or	CCONJ
ajfa-4326	81	44	foreign	foreign	ADJ
ajfa-4326	81	45	owned	own	VERB
ajfa-4326	81	46	banks	bank	NOUN
ajfa-4326	81	47	.	.	PUNCT
ajfa-4326	82	1	galagedera	galagedera	PROPN
ajfa-4326	82	2	&	&	CCONJ
ajfa-4326	82	3	edirisuriya	edirisuriya	PROPN
ajfa-4326	82	4	(	(	PUNCT
ajfa-4326	82	5	2005	2005	NUM
ajfa-4326	82	6	)	)	PUNCT
ajfa-4326	82	7	used	use	VERB
ajfa-4326	82	8	data	datum	NOUN
ajfa-4326	82	9	envelopment	envelopment	ADJ
ajfa-4326	82	10	analysis	analysis	NOUN
ajfa-4326	82	11	and	and	CCONJ
ajfa-4326	82	12	malmquist	malmquist	NOUN
ajfa-4326	82	13	index	index	NOUN
ajfa-4326	82	14	in	in	ADP
ajfa-4326	82	15	a	a	DET
ajfa-4326	82	16	sample	sample	NOUN
ajfa-4326	82	17	of	of	ADP
ajfa-4326	82	18	indian	indian	ADJ
ajfa-4326	82	19	commercial	commercial	ADJ
ajfa-4326	82	20	banks	bank	NOUN
ajfa-4326	82	21	over	over	ADP
ajfa-4326	82	22	the	the	DET
ajfa-4326	82	23	period	period	NOUN
ajfa-4326	82	24	of	of	ADP
ajfa-4326	82	25	1995	1995	NUM
ajfa-4326	82	26	-	-	SYM
ajfa-4326	82	27	2002	2002	NUM
ajfa-4326	82	28	and	and	CCONJ
ajfa-4326	82	29	found	find	VERB
ajfa-4326	82	30	no	no	DET
ajfa-4326	82	31	significant	significant	ADJ
ajfa-4326	82	32	growth	growth	NOUN
ajfa-4326	82	33	in	in	ADP
ajfa-4326	82	34	productivity	productivity	NOUN
ajfa-4326	82	35	during	during	ADP
ajfa-4326	82	36	the	the	DET
ajfa-4326	82	37	sample	sample	NOUN
ajfa-4326	82	38	period	period	NOUN
ajfa-4326	82	39	.	.	PUNCT
ajfa-4326	83	1	he	he	PRON
ajfa-4326	83	2	found	find	VERB
ajfa-4326	83	3	that	that	SCONJ
ajfa-4326	83	4	there	there	PRON
ajfa-4326	83	5	has	have	AUX
ajfa-4326	83	6	been	be	AUX
ajfa-4326	83	7	no	no	DET
ajfa-4326	83	8	growth	growth	NOUN
ajfa-4326	83	9	in	in	ADP
ajfa-4326	83	10	productivity	productivity	NOUN
ajfa-4326	83	11	in	in	ADP
ajfa-4326	83	12	private	private	ADJ
ajfa-4326	83	13	sector	sector	NOUN
ajfa-4326	83	14	banks	bank	NOUN
ajfa-4326	83	15	where	where	SCONJ
ajfa-4326	83	16	as	as	SCONJ
ajfa-4326	83	17	the	the	DET
ajfa-4326	83	18	public	public	ADJ
ajfa-4326	83	19	sector	sector	NOUN
ajfa-4326	83	20	banks	bank	NOUN
ajfa-4326	83	21	appeared	appear	VERB
ajfa-4326	83	22	to	to	PART
ajfa-4326	83	23	demonstrate	demonstrate	VERB
ajfa-4326	83	24	a	a	DET
ajfa-4326	83	25	modest	modest	ADJ
ajfa-4326	83	26	positive	positive	ADJ
ajfa-4326	83	27	change	change	NOUN
ajfa-4326	83	28	through	through	ADP
ajfa-4326	83	29	1995	1995	NUM
ajfa-4326	83	30	-	-	SYM
ajfa-4326	83	31	2002	2002	NUM
ajfa-4326	83	32	.	.	PUNCT
ajfa-4326	84	1	sinha	sinha	PROPN
ajfa-4326	84	2	&	&	CCONJ
ajfa-4326	84	3	chatterjee	chatterjee	PROPN
ajfa-4326	84	4	(	(	PUNCT
ajfa-4326	84	5	2008	2008	NUM
ajfa-4326	84	6	)	)	PUNCT
ajfa-4326	84	7	tried	try	VERB
ajfa-4326	84	8	to	to	PART
ajfa-4326	84	9	make	make	VERB
ajfa-4326	84	10	a	a	DET
ajfa-4326	84	11	comparison	comparison	NOUN
ajfa-4326	84	12	of	of	ADP
ajfa-4326	84	13	fund	fund	NOUN
ajfa-4326	84	14	based	base	VERB
ajfa-4326	84	15	operating	operating	NOUN
ajfa-4326	84	16	performance	performance	NOUN
ajfa-4326	84	17	and	and	CCONJ
ajfa-4326	84	18	total	total	ADJ
ajfa-4326	84	19	factor	factor	NOUN
ajfa-4326	84	20	productivity	productivity	NOUN
ajfa-4326	84	21	growth	growth	NOUN
ajfa-4326	84	22	of	of	ADP
ajfa-4326	84	23	selected	select	VERB
ajfa-4326	84	24	indian	indian	ADJ
ajfa-4326	84	25	commercial	commercial	ADJ
ajfa-4326	84	26	banks	bank	NOUN
ajfa-4326	84	27	for	for	ADP
ajfa-4326	84	28	the	the	DET
ajfa-4326	84	29	five	five	NUM
ajfa-4326	84	30	year	year	NOUN
ajfa-4326	84	31	period	period	NOUN
ajfa-4326	84	32	2000	2000	NUM
ajfa-4326	84	33	-	-	SYM
ajfa-4326	84	34	01	01	NUM
ajfa-4326	84	35	to	to	ADP
ajfa-4326	84	36	2004	2004	NUM
ajfa-4326	84	37	-	-	SYM
ajfa-4326	84	38	05	05	NUM
ajfa-4326	84	39	using	use	VERB
ajfa-4326	84	40	data	datum	NOUN
ajfa-4326	84	41	envelopment	envelopment	ADJ
ajfa-4326	84	42	analysis	analysis	NOUN
ajfa-4326	84	43	and	and	CCONJ
ajfa-4326	84	44	mamlquist	mamlquist	NOUN
ajfa-4326	84	45	total	total	ADJ
ajfa-4326	84	46	factor	factor	NOUN
ajfa-4326	84	47	productivity	productivity	NOUN
ajfa-4326	84	48	index	index	NOUN
ajfa-4326	84	49	.	.	PUNCT
ajfa-4326	85	1	the	the	DET
ajfa-4326	85	2	findings	finding	NOUN
ajfa-4326	85	3	displayed	display	VERB
ajfa-4326	85	4	that	that	SCONJ
ajfa-4326	85	5	the	the	DET
ajfa-4326	85	6	mean	mean	ADJ
ajfa-4326	85	7	technical	technical	ADJ
ajfa-4326	85	8	efficiency	efficiency	NOUN
ajfa-4326	85	9	of	of	ADP
ajfa-4326	85	10	the	the	DET
ajfa-4326	85	11	in	in	ADP
ajfa-4326	85	12	-	-	PUNCT
ajfa-4326	85	13	sample	sample	NOUN
ajfa-4326	85	14	private	private	ADJ
ajfa-4326	85	15	and	and	CCONJ
ajfa-4326	85	16	foreign	foreign	ADJ
ajfa-4326	85	17	banks	bank	NOUN
ajfa-4326	85	18	is	be	AUX
ajfa-4326	85	19	somewhat	somewhat	ADV
ajfa-4326	85	20	higher	high	ADJ
ajfa-4326	85	21	than	than	ADP
ajfa-4326	85	22	the	the	DET
ajfa-4326	85	23	in	in	ADP
ajfa-4326	85	24	-	-	PUNCT
ajfa-4326	85	25	sample	sample	NOUN
ajfa-4326	85	26	public	public	ADJ
ajfa-4326	85	27	sector	sector	NOUN
ajfa-4326	85	28	banks	bank	NOUN
ajfa-4326	85	29	.	.	PUNCT
ajfa-4326	86	1	however	however	ADV
ajfa-4326	86	2	,	,	PUNCT
ajfa-4326	86	3	in	in	ADP
ajfa-4326	86	4	-	-	PUNCT
ajfa-4326	86	5	sample	sample	NOUN
ajfa-4326	86	6	public	public	ADJ
ajfa-4326	86	7	sector	sector	NOUN
ajfa-4326	86	8	commercial	commercial	ADJ
ajfa-4326	86	9	banks	bank	NOUN
ajfa-4326	86	10	exhibited	exhibit	VERB
ajfa-4326	86	11	higher	high	ADJ
ajfa-4326	86	12	malmquist	malmquist	NOUN
ajfa-4326	86	13	index	index	NOUN
ajfa-4326	86	14	than	than	ADP
ajfa-4326	86	15	the	the	DET
ajfa-4326	86	16	in	in	ADP
ajfa-4326	86	17	-	-	PUNCT
ajfa-4326	86	18	sample	sample	NOUN
ajfa-4326	86	19	private	private	ADJ
ajfa-4326	86	20	sector	sector	NOUN
ajfa-4326	86	21	banks	bank	NOUN
ajfa-4326	86	22	.	.	PUNCT
ajfa-4326	87	1	likewise	likewise	ADV
ajfa-4326	87	2	,	,	PUNCT
ajfa-4326	87	3	rezvanian	rezvanian	PROPN
ajfa-4326	87	4	et	et	PROPN
ajfa-4326	87	5	al	al	PROPN
ajfa-4326	87	6	.	.	PROPN
ajfa-4326	87	7	(	(	PUNCT
ajfa-4326	87	8	2008	2008	NUM
ajfa-4326	87	9	)	)	PUNCT
ajfa-4326	87	10	also	also	ADV
ajfa-4326	87	11	used	use	VERB
ajfa-4326	87	12	malmquist	malmquist	NOUN
ajfa-4326	87	13	index	index	NOUN
ajfa-4326	87	14	to	to	PART
ajfa-4326	87	15	examine	examine	VERB
ajfa-4326	87	16	the	the	DET
ajfa-4326	87	17	effects	effect	NOUN
ajfa-4326	87	18	of	of	ADP
ajfa-4326	87	19	the	the	DET
ajfa-4326	87	20	ownership	ownership	NOUN
ajfa-4326	87	21	on	on	ADP
ajfa-4326	87	22	efficiency	efficiency	NOUN
ajfa-4326	87	23	,	,	PUNCT
ajfa-4326	87	24	efficiency	efficiency	NOUN
ajfa-4326	87	25	change	change	NOUN
ajfa-4326	87	26	,	,	PUNCT
ajfa-4326	87	27	technological	technological	ADJ
ajfa-4326	87	28	progress	progress	NOUN
ajfa-4326	87	29	,	,	PUNCT
ajfa-4326	87	30	and	and	CCONJ
ajfa-4326	87	31	productivity	productivity	NOUN
ajfa-4326	87	32	growth	growth	NOUN
ajfa-4326	87	33	of	of	ADP
ajfa-4326	87	34	the	the	DET
ajfa-4326	87	35	indian	indian	ADJ
ajfa-4326	87	36	banking	banking	NOUN
ajfa-4326	87	37	industry	industry	NOUN
ajfa-4326	87	38	over	over	ADP
ajfa-4326	87	39	the	the	DET
ajfa-4326	87	40	period	period	NOUN
ajfa-4326	87	41	of	of	ADP
ajfa-4326	87	42	1998	1998	NUM
ajfa-4326	87	43	-	-	SYM
ajfa-4326	87	44	2003	2003	NUM
ajfa-4326	87	45	they	they	PRON
ajfa-4326	87	46	found	find	VERB
ajfa-4326	87	47	that	that	SCONJ
ajfa-4326	87	48	foreign	foreign	ADJ
ajfa-4326	87	49	banks	bank	NOUN
ajfa-4326	87	50	were	be	AUX
ajfa-4326	87	51	operating	operate	VERB
ajfa-4326	87	52	significantly	significantly	ADV
ajfa-4326	87	53	more	more	ADV
ajfa-4326	87	54	efficient	efficient	ADJ
ajfa-4326	87	55	than	than	ADP
ajfa-4326	87	56	privately	privately	ADV
ajfa-4326	87	57	owned	own	VERB
ajfa-4326	87	58	and	and	CCONJ
ajfa-4326	87	59	publicly	publicly	ADV
ajfa-4326	87	60	owned	own	VERB
ajfa-4326	87	61	banks	bank	NOUN
ajfa-4326	87	62	.	.	PUNCT
ajfa-4326	88	1	chen	chen	PROPN
ajfa-4326	88	2	et	et	PROPN
ajfa-4326	88	3	al	al	PROPN
ajfa-4326	88	4	.	.	PROPN
ajfa-4326	89	1	(	(	PUNCT
ajfa-4326	89	2	2005	2005	NUM
ajfa-4326	89	3	)	)	PUNCT
ajfa-4326	89	4	employed	employ	VERB
ajfa-4326	89	5	a	a	DET
ajfa-4326	89	6	non	non	ADJ
ajfa-4326	89	7	parametric	parametric	ADJ
ajfa-4326	89	8	technique	technique	NOUN
ajfa-4326	89	9	to	to	PART
ajfa-4326	89	10	examine	examine	VERB
ajfa-4326	89	11	the	the	DET
ajfa-4326	89	12	change	change	NOUN
ajfa-4326	89	13	in	in	ADP
ajfa-4326	89	14	the	the	DET
ajfa-4326	89	15	efficiency	efficiency	NOUN
ajfa-4326	89	16	of	of	ADP
ajfa-4326	89	17	43	43	NUM
ajfa-4326	89	18	chinese	chinese	ADJ
ajfa-4326	89	19	banks	bank	NOUN
ajfa-4326	89	20	between	between	ADP
ajfa-4326	89	21	1993	1993	NUM
ajfa-4326	89	22	and	and	CCONJ
ajfa-4326	89	23	2000	2000	NUM
ajfa-4326	89	24	in	in	ADP
ajfa-4326	89	25	response	response	NOUN
ajfa-4326	89	26	to	to	ADP
ajfa-4326	89	27	the	the	DET
ajfa-4326	89	28	1995	1995	NUM
ajfa-4326	89	29	banking	banking	NOUN
ajfa-4326	89	30	deregulation	deregulation	NOUN
ajfa-4326	89	31	.	.	PUNCT
ajfa-4326	90	1	they	they	PRON
ajfa-4326	90	2	report	report	VERB
ajfa-4326	90	3	that	that	SCONJ
ajfa-4326	90	4	the	the	DET
ajfa-4326	90	5	efficiency	efficiency	NOUN
ajfa-4326	90	6	of	of	ADP
ajfa-4326	90	7	banks	bank	NOUN
ajfa-4326	90	8	has	have	AUX
ajfa-4326	90	9	declined	decline	VERB
ajfa-4326	90	10	from	from	ADP
ajfa-4326	90	11	1997	1997	NUM
ajfa-4326	90	12	to	to	ADP
ajfa-4326	90	13	2000	2000	NUM
ajfa-4326	90	14	,	,	PUNCT
ajfa-4326	90	15	indicating	indicate	VERB
ajfa-4326	90	16	that	that	SCONJ
ajfa-4326	90	17	the	the	DET
ajfa-4326	90	18	1995	1995	NUM
ajfa-4326	90	19	banking	banking	NOUN
ajfa-4326	90	20	deregulation	deregulation	NOUN
ajfa-4326	90	21	has	have	AUX
ajfa-4326	90	22	had	have	VERB
ajfa-4326	90	23	a	a	DET
ajfa-4326	90	24	positive	positive	ADJ
ajfa-4326	90	25	impact	impact	NOUN
ajfa-4326	90	26	on	on	ADP
ajfa-4326	90	27	banking	banking	NOUN
ajfa-4326	90	28	efficiency	efficiency	NOUN
ajfa-4326	90	29	only	only	ADV
ajfa-4326	90	30	in	in	ADP
ajfa-4326	90	31	the	the	DET
ajfa-4326	90	32	beginning	beginning	ADJ
ajfa-4326	90	33	year	year	NOUN
ajfa-4326	90	34	of	of	ADP
ajfa-4326	90	35	its	its	PRON
ajfa-4326	90	36	implementation	implementation	NOUN
ajfa-4326	90	37	.	.	PUNCT
ajfa-4326	91	1	jeanneney	jeanneney	NOUN
ajfa-4326	91	2	et	et	PROPN
ajfa-4326	91	3	al	al	PROPN
ajfa-4326	91	4	.	.	PROPN
ajfa-4326	91	5	(	(	PUNCT
ajfa-4326	91	6	2006	2006	NUM
ajfa-4326	91	7	)	)	PUNCT
ajfa-4326	91	8	measured	measure	VERB
ajfa-4326	91	9	total	total	ADJ
ajfa-4326	91	10	productivity	productivity	NOUN
ajfa-4326	91	11	changes	change	NOUN
ajfa-4326	91	12	and	and	CCONJ
ajfa-4326	91	13	its	its	PRON
ajfa-4326	91	14	component	component	NOUN
ajfa-4326	91	15	of	of	ADP
ajfa-4326	91	16	chinese	chinese	ADJ
ajfa-4326	91	17	banks	bank	NOUN
ajfa-4326	91	18	from	from	ADP
ajfa-4326	91	19	1993	1993	NUM
ajfa-4326	91	20	to	to	ADP
ajfa-4326	91	21	2001	2001	NUM
ajfa-4326	91	22	and	and	CCONJ
ajfa-4326	91	23	found	find	VERB
ajfa-4326	91	24	increment	increment	NOUN
ajfa-4326	91	25	in	in	ADP
ajfa-4326	91	26	total	total	ADJ
ajfa-4326	91	27	factor	factor	NOUN
ajfa-4326	91	28	productivity	productivity	NOUN
ajfa-4326	91	29	.	.	PUNCT
ajfa-4326	92	1	they	they	PRON
ajfa-4326	92	2	reported	report	VERB
ajfa-4326	92	3	productivity	productivity	NOUN
ajfa-4326	92	4	growth	growth	NOUN
ajfa-4326	92	5	can	can	AUX
ajfa-4326	92	6	be	be	AUX
ajfa-4326	92	7	attributed	attribute	VERB
ajfa-4326	92	8	mostly	mostly	ADV
ajfa-4326	92	9	attributed	attribute	VERB
ajfa-4326	92	10	to	to	ADP
ajfa-4326	92	11	technical	technical	ADJ
ajfa-4326	92	12	progress	progress	NOUN
ajfa-4326	92	13	,	,	PUNCT
ajfa-4326	92	14	rather	rather	ADV
ajfa-4326	92	15	than	than	ADP
ajfa-4326	92	16	to	to	PART
ajfa-4326	92	17	improvement	improvement	VERB
ajfa-4326	92	18	in	in	ADP
ajfa-4326	92	19	efficiency	efficiency	NOUN
ajfa-4326	92	20	.	.	PUNCT
ajfa-4326	93	1	ali	ali	PROPN
ajfa-4326	93	2	rizvi	rizvi	PROPN
ajfa-4326	93	3	(	(	PUNCT
ajfa-4326	93	4	2001	2001	NUM
ajfa-4326	93	5	)	)	PUNCT
ajfa-4326	93	6	analyzed	analyze	VERB
ajfa-4326	93	7	37	37	NUM
ajfa-4326	93	8	scheduled	schedule	VERB
ajfa-4326	93	9	commercial	commercial	ADJ
ajfa-4326	93	10	banks	bank	NOUN
ajfa-4326	93	11	18	18	NUM
ajfa-4326	93	12	domestic	domestic	ADJ
ajfa-4326	93	13	and	and	CCONJ
ajfa-4326	93	14	19	19	NUM
ajfa-4326	93	15	foreign	foreign	ADJ
ajfa-4326	93	16	operating	operating	NOUN
ajfa-4326	93	17	in	in	ADP
ajfa-4326	93	18	pakistan	pakistan	PROPN
ajfa-4326	93	19	and	and	CCONJ
ajfa-4326	93	20	concluded	conclude	VERB
ajfa-4326	93	21	that	that	SCONJ
ajfa-4326	93	22	both	both	DET
ajfa-4326	93	23	efficiency	efficiency	NOUN
ajfa-4326	93	24	and	and	CCONJ
ajfa-4326	93	25	productivity	productivity	NOUN
ajfa-4326	93	26	have	have	AUX
ajfa-4326	93	27	declined	decline	VERB
ajfa-4326	93	28	in	in	ADP
ajfa-4326	93	29	the	the	DET
ajfa-4326	93	30	post	post	ADJ
ajfa-4326	93	31	-	-	ADJ
ajfa-4326	93	32	reforms	reform	NOUN
ajfa-4326	93	33	period	period	NOUN
ajfa-4326	93	34	of	of	ADP
ajfa-4326	93	35	1993	1993	NUM
ajfa-4326	93	36	-	-	SYM
ajfa-4326	93	37	98	98	NUM
ajfa-4326	93	38	.	.	PUNCT
ajfa-4326	94	1	ahmed	ahmed	PROPN
ajfa-4326	94	2	et	et	PROPN
ajfa-4326	94	3	al	al	PROPN
ajfa-4326	94	4	.	.	PROPN
ajfa-4326	95	1	(	(	PUNCT
ajfa-4326	95	2	2009	2009	NUM
ajfa-4326	95	3	)	)	PUNCT
ajfa-4326	95	4	measured	measure	VERB
ajfa-4326	95	5	the	the	DET
ajfa-4326	95	6	efficiency	efficiency	NOUN
ajfa-4326	95	7	of	of	ADP
ajfa-4326	95	8	20	20	NUM
ajfa-4326	95	9	domestic	domestic	ADJ
ajfa-4326	95	10	commercial	commercial	ADJ
ajfa-4326	95	11	banks	bank	NOUN
ajfa-4326	95	12	of	of	ADP
ajfa-4326	95	13	pakistan	pakistan	PROPN
ajfa-4326	95	14	under	under	ADP
ajfa-4326	95	15	intermediation	intermediation	NOUN
ajfa-4326	95	16	approach	approach	NOUN
ajfa-4326	95	17	and	and	CCONJ
ajfa-4326	95	18	also	also	ADV
ajfa-4326	95	19	reported	report	VERB
ajfa-4326	95	20	decline	decline	NOUN
ajfa-4326	95	21	in	in	ADP
ajfa-4326	95	22	technical	technical	ADJ
ajfa-4326	95	23	efficiency	efficiency	NOUN
ajfa-4326	95	24	during	during	ADP
ajfa-4326	95	25	pre	pre	ADJ
ajfa-4326	95	26	-	-	NOUN
ajfa-4326	95	27	reform	reform	ADJ
ajfa-4326	95	28	,	,	PUNCT
ajfa-4326	95	29	phase	phase	NOUN
ajfa-4326	95	30	i	i	PRON
ajfa-4326	95	31	and	and	CCONJ
ajfa-4326	95	32	phase	phase	NOUN
ajfa-4326	95	33	ii	ii	PROPN
ajfa-4326	95	34	period	period	NOUN
ajfa-4326	95	35	of	of	ADP
ajfa-4326	95	36	reforms	reform	NOUN
ajfa-4326	95	37	.	.	PUNCT
ajfa-4326	96	1	they	they	PRON
ajfa-4326	96	2	found	find	VERB
ajfa-4326	96	3	that	that	SCONJ
ajfa-4326	96	4	banking	banking	NOUN
ajfa-4326	96	5	reforms	reform	NOUN
ajfa-4326	96	6	has	have	AUX
ajfa-4326	96	7	shown	show	VERB
ajfa-4326	96	8	a	a	DET
ajfa-4326	96	9	decline	decline	NOUN
ajfa-4326	96	10	trend	trend	NOUN
ajfa-4326	96	11	in	in	ADP
ajfa-4326	96	12	efficiency	efficiency	NOUN
ajfa-4326	96	13	(	(	PUNCT
ajfa-4326	96	14	with	with	ADP
ajfa-4326	96	15	a	a	DET
ajfa-4326	96	16	decrease	decrease	NOUN
ajfa-4326	96	17	of	of	ADP
ajfa-4326	96	18	8.2	8.2	NUM
ajfa-4326	96	19	percent	percent	NOUN
ajfa-4326	96	20	)	)	PUNCT
ajfa-4326	96	21	.	.	PUNCT
ajfa-4326	97	1	in	in	ADP
ajfa-4326	97	2	nepalese	nepalese	ADJ
ajfa-4326	97	3	context	context	NOUN
ajfa-4326	97	4	,	,	PUNCT
ajfa-4326	97	5	malmquist	malmquist	PROPN
ajfa-4326	97	6	index	index	NOUN
ajfa-4326	97	7	has	have	AUX
ajfa-4326	97	8	been	be	AUX
ajfa-4326	97	9	used	use	VERB
ajfa-4326	97	10	in	in	ADP
ajfa-4326	97	11	few	few	ADJ
ajfa-4326	97	12	sectors	sector	NOUN
ajfa-4326	97	13	such	such	ADJ
ajfa-4326	97	14	as	as	ADP
ajfa-4326	97	15	energy	energy	NOUN
ajfa-4326	97	16	(	(	PUNCT
ajfa-4326	97	17	jha	jha	NOUN
ajfa-4326	97	18	et	et	PROPN
ajfa-4326	97	19	al	al	PROPN
ajfa-4326	97	20	.	.	PROPN
ajfa-4326	97	21	,	,	PUNCT
ajfa-4326	97	22	asian	asian	ADJ
ajfa-4326	97	23	journal	journal	NOUN
ajfa-4326	97	24	of	of	ADP
ajfa-4326	97	25	finance	finance	PROPN
ajfa-4326	97	26	&	&	CCONJ
ajfa-4326	97	27	accounting	accounting	PROPN
ajfa-4326	97	28	issn	issn	PROPN
ajfa-4326	97	29	1946	1946	NUM
ajfa-4326	97	30	-	-	PUNCT
ajfa-4326	97	31	052x	052x	NOUN
ajfa-4326	97	32	2013	2013	NUM
ajfa-4326	97	33	,	,	PUNCT
ajfa-4326	97	34	vol	vol	NOUN
ajfa-4326	97	35	.	.	PROPN
ajfa-4326	97	36	5	5	NUM
ajfa-4326	97	37	,	,	PUNCT
ajfa-4326	97	38	no	no	INTJ
ajfa-4326	97	39	.	.	NOUN
ajfa-4326	97	40	2	2	NUM
ajfa-4326	97	41	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	97	42	226	226	NUM
ajfa-4326	97	43	2007	2007	NUM
ajfa-4326	97	44	)	)	PUNCT
ajfa-4326	97	45	,	,	PUNCT
ajfa-4326	97	46	and	and	CCONJ
ajfa-4326	97	47	agriculture	agriculture	NOUN
ajfa-4326	97	48	(	(	PUNCT
ajfa-4326	97	49	suhariyanto	suhariyanto	NOUN
ajfa-4326	97	50	&	&	CCONJ
ajfa-4326	97	51	thirtle	thirtle	NOUN
ajfa-4326	97	52	,	,	PUNCT
ajfa-4326	97	53	2001	2001	NUM
ajfa-4326	97	54	)	)	PUNCT
ajfa-4326	97	55	.	.	PUNCT
ajfa-4326	98	1	with	with	ADP
ajfa-4326	98	2	regards	regard	NOUN
ajfa-4326	98	3	to	to	ADP
ajfa-4326	98	4	efficiency	efficiency	NOUN
ajfa-4326	98	5	of	of	ADP
ajfa-4326	98	6	banking	banking	NOUN
ajfa-4326	98	7	sector	sector	NOUN
ajfa-4326	98	8	in	in	ADP
ajfa-4326	98	9	nepal	nepal	ADJ
ajfa-4326	98	10	,	,	PUNCT
ajfa-4326	98	11	thagunna	thagunna	PROPN
ajfa-4326	98	12	&	&	CCONJ
ajfa-4326	98	13	poudel	poudel	PROPN
ajfa-4326	98	14	(	(	PUNCT
ajfa-4326	98	15	2013	2013	NUM
ajfa-4326	98	16	)	)	PUNCT
ajfa-4326	98	17	used	use	VERB
ajfa-4326	98	18	data	datum	NOUN
ajfa-4326	98	19	envelopment	envelopment	ADJ
ajfa-4326	98	20	analysis	analysis	NOUN
ajfa-4326	98	21	to	to	AUX
ajfa-4326	98	22	measure	measure	VERB
ajfa-4326	98	23	and	and	CCONJ
ajfa-4326	98	24	analyze	analyze	VERB
ajfa-4326	98	25	efficiency	efficiency	NOUN
ajfa-4326	98	26	levels	level	NOUN
ajfa-4326	98	27	of	of	ADP
ajfa-4326	98	28	banks	bank	NOUN
ajfa-4326	98	29	in	in	ADP
ajfa-4326	98	30	nepal	nepal	NOUN
ajfa-4326	98	31	during	during	ADP
ajfa-4326	98	32	2007	2007	NUM
ajfa-4326	98	33	-	-	SYM
ajfa-4326	98	34	08	08	NUM
ajfa-4326	98	35	and	and	CCONJ
ajfa-4326	98	36	2010	2010	NUM
ajfa-4326	98	37	-	-	SYM
ajfa-4326	98	38	11	11	NUM
ajfa-4326	98	39	.	.	PUNCT
ajfa-4326	99	1	the	the	DET
ajfa-4326	99	2	study	study	NOUN
ajfa-4326	99	3	reveals	reveal	VERB
ajfa-4326	99	4	that	that	SCONJ
ajfa-4326	99	5	efficiency	efficiency	NOUN
ajfa-4326	99	6	level	level	NOUN
ajfa-4326	99	7	is	be	AUX
ajfa-4326	99	8	relatively	relatively	ADV
ajfa-4326	99	9	stable	stable	ADJ
ajfa-4326	99	10	and	and	CCONJ
ajfa-4326	99	11	has	have	AUX
ajfa-4326	99	12	increased	increase	VERB
ajfa-4326	99	13	overall	overall	ADV
ajfa-4326	99	14	.	.	PUNCT
ajfa-4326	100	1	they	they	PRON
ajfa-4326	100	2	found	find	VERB
ajfa-4326	100	3	that	that	PRON
ajfa-4326	100	4	found	find	VERB
ajfa-4326	100	5	that	that	SCONJ
ajfa-4326	100	6	both	both	CCONJ
ajfa-4326	100	7	the	the	DET
ajfa-4326	100	8	ownership	ownership	NOUN
ajfa-4326	100	9	type	type	NOUN
ajfa-4326	100	10	and	and	CCONJ
ajfa-4326	100	11	the	the	DET
ajfa-4326	100	12	asset	asset	NOUN
ajfa-4326	100	13	size	size	NOUN
ajfa-4326	100	14	of	of	ADP
ajfa-4326	100	15	a	a	DET
ajfa-4326	100	16	bank	bank	NOUN
ajfa-4326	100	17	do	do	AUX
ajfa-4326	100	18	n’t	not	PART
ajfa-4326	100	19	affect	affect	VERB
ajfa-4326	100	20	its	its	PRON
ajfa-4326	100	21	efficiency	efficiency	NOUN
ajfa-4326	100	22	.	.	PUNCT
ajfa-4326	101	1	4	4	X
ajfa-4326	101	2	.	.	X
ajfa-4326	101	3	data	datum	NOUN
ajfa-4326	101	4	and	and	CCONJ
ajfa-4326	101	5	methodology	methodology	NOUN
ajfa-4326	101	6	4.1	4.1	NUM
ajfa-4326	101	7	sample	sample	NOUN
ajfa-4326	101	8	data	datum	NOUN
ajfa-4326	101	9	currently	currently	ADV
ajfa-4326	101	10	,	,	PUNCT
ajfa-4326	101	11	there	there	PRON
ajfa-4326	101	12	are	be	VERB
ajfa-4326	101	13	32	32	NUM
ajfa-4326	101	14	commercial	commercial	ADJ
ajfa-4326	101	15	banks	bank	NOUN
ajfa-4326	101	16	operating	operate	VERB
ajfa-4326	101	17	in	in	ADP
ajfa-4326	101	18	nepal	nepal	NOUN
ajfa-4326	101	19	(	(	PUNCT
ajfa-4326	101	20	including	include	VERB
ajfa-4326	101	21	agriculture	agriculture	PROPN
ajfa-4326	101	22	development	development	PROPN
ajfa-4326	101	23	bank	bank	PROPN
ajfa-4326	101	24	)	)	PUNCT
ajfa-4326	101	25	.	.	PUNCT
ajfa-4326	102	1	the	the	DET
ajfa-4326	102	2	sample	sample	NOUN
ajfa-4326	102	3	period	period	NOUN
ajfa-4326	102	4	for	for	ADP
ajfa-4326	102	5	the	the	DET
ajfa-4326	102	6	study	study	NOUN
ajfa-4326	102	7	is	be	AUX
ajfa-4326	102	8	between	between	ADP
ajfa-4326	102	9	2007/08	2007/08	NUM
ajfa-4326	102	10	to	to	ADP
ajfa-4326	102	11	2011/12	2011/12	NUM
ajfa-4326	102	12	;	;	PUNCT
ajfa-4326	102	13	hence	hence	ADV
ajfa-4326	102	14	,	,	PUNCT
ajfa-4326	102	15	7	7	NUM
ajfa-4326	102	16	banks	bank	NOUN
ajfa-4326	102	17	that	that	PRON
ajfa-4326	102	18	have	have	AUX
ajfa-4326	102	19	started	start	VERB
ajfa-4326	102	20	operation	operation	NOUN
ajfa-4326	102	21	since	since	SCONJ
ajfa-4326	102	22	2009	2009	NUM
ajfa-4326	102	23	have	have	AUX
ajfa-4326	102	24	been	be	AUX
ajfa-4326	102	25	excluded	exclude	VERB
ajfa-4326	102	26	from	from	ADP
ajfa-4326	102	27	the	the	DET
ajfa-4326	102	28	sample	sample	NOUN
ajfa-4326	102	29	because	because	SCONJ
ajfa-4326	102	30	of	of	ADP
ajfa-4326	102	31	lack	lack	NOUN
ajfa-4326	102	32	of	of	ADP
ajfa-4326	102	33	comprehensive	comprehensive	ADJ
ajfa-4326	102	34	data	datum	NOUN
ajfa-4326	102	35	.	.	PUNCT
ajfa-4326	103	1	out	out	ADP
ajfa-4326	103	2	of	of	ADP
ajfa-4326	103	3	25	25	NUM
ajfa-4326	103	4	commercial	commercial	ADJ
ajfa-4326	103	5	banks	bank	NOUN
ajfa-4326	103	6	,	,	PUNCT
ajfa-4326	103	7	the	the	DET
ajfa-4326	103	8	sample	sample	NOUN
ajfa-4326	103	9	also	also	ADV
ajfa-4326	103	10	excludes	exclude	VERB
ajfa-4326	103	11	rastriya	rastriya	PROPN
ajfa-4326	103	12	banijya	banijya	PROPN
ajfa-4326	103	13	bank	bank	PROPN
ajfa-4326	103	14	(	(	PUNCT
ajfa-4326	103	15	rbb	rbb	PROPN
ajfa-4326	103	16	)	)	PUNCT
ajfa-4326	103	17	and	and	CCONJ
ajfa-4326	103	18	nepal	nepal	PROPN
ajfa-4326	103	19	bank	bank	PROPN
ajfa-4326	103	20	limited	limit	VERB
ajfa-4326	103	21	(	(	PUNCT
ajfa-4326	103	22	nbl	nbl	NOUN
ajfa-4326	103	23	)	)	PUNCT
ajfa-4326	103	24	because	because	SCONJ
ajfa-4326	103	25	of	of	ADP
ajfa-4326	103	26	its	its	PRON
ajfa-4326	103	27	huge	huge	ADJ
ajfa-4326	103	28	assets	asset	NOUN
ajfa-4326	103	29	size	size	NOUN
ajfa-4326	103	30	which	which	PRON
ajfa-4326	103	31	may	may	AUX
ajfa-4326	103	32	distort	distort	VERB
ajfa-4326	103	33	the	the	DET
ajfa-4326	103	34	result	result	NOUN
ajfa-4326	103	35	.	.	PUNCT
ajfa-4326	104	1	likewise	likewise	ADV
ajfa-4326	104	2	,	,	PUNCT
ajfa-4326	104	3	agriculture	agriculture	PROPN
ajfa-4326	104	4	development	development	PROPN
ajfa-4326	104	5	bank	bank	PROPN
ajfa-4326	104	6	(	(	PUNCT
ajfa-4326	104	7	adbl	adbl	PROPN
ajfa-4326	104	8	)	)	PUNCT
ajfa-4326	104	9	has	have	AUX
ajfa-4326	104	10	also	also	ADV
ajfa-4326	104	11	been	be	AUX
ajfa-4326	104	12	excluded	exclude	VERB
ajfa-4326	104	13	from	from	ADP
ajfa-4326	104	14	the	the	DET
ajfa-4326	104	15	sample	sample	NOUN
ajfa-4326	104	16	because	because	SCONJ
ajfa-4326	104	17	of	of	ADP
ajfa-4326	104	18	its	its	PRON
ajfa-4326	104	19	ability	ability	NOUN
ajfa-4326	104	20	to	to	PART
ajfa-4326	104	21	provide	provide	VERB
ajfa-4326	104	22	more	more	ADJ
ajfa-4326	104	23	loans	loan	NOUN
ajfa-4326	104	24	than	than	ADP
ajfa-4326	104	25	its	its	PRON
ajfa-4326	104	26	deposits	deposit	NOUN
ajfa-4326	104	27	.	.	PUNCT
ajfa-4326	105	1	for	for	ADP
ajfa-4326	105	2	instance	instance	NOUN
ajfa-4326	105	3	,	,	PUNCT
ajfa-4326	105	4	adbl	adbl	PROPN
ajfa-4326	105	5	provided	provide	VERB
ajfa-4326	105	6	on	on	ADP
ajfa-4326	105	7	average	average	ADJ
ajfa-4326	105	8	13	13	NUM
ajfa-4326	105	9	%	%	NOUN
ajfa-4326	105	10	more	more	ADJ
ajfa-4326	105	11	than	than	ADP
ajfa-4326	105	12	its	its	PRON
ajfa-4326	105	13	deposits	deposit	NOUN
ajfa-4326	105	14	from	from	ADP
ajfa-4326	105	15	the	the	DET
ajfa-4326	105	16	year	year	NOUN
ajfa-4326	105	17	2007/08	2007/08	NUM
ajfa-4326	105	18	to	to	ADP
ajfa-4326	105	19	2011/12	2011/12	NUM
ajfa-4326	105	20	.	.	PUNCT
ajfa-4326	106	1	hence	hence	ADV
ajfa-4326	106	2	,	,	PUNCT
ajfa-4326	106	3	the	the	DET
ajfa-4326	106	4	sample	sample	NOUN
ajfa-4326	106	5	comprises	comprise	NOUN
ajfa-4326	106	6	of	of	ADP
ajfa-4326	106	7	a	a	DET
ajfa-4326	106	8	balanced	balanced	ADJ
ajfa-4326	106	9	panel	panel	NOUN
ajfa-4326	106	10	of	of	ADP
ajfa-4326	106	11	22	22	NUM
ajfa-4326	106	12	established	establish	VERB
ajfa-4326	106	13	commercial	commercial	ADJ
ajfa-4326	106	14	banks	bank	NOUN
ajfa-4326	106	15	from	from	ADP
ajfa-4326	106	16	2007/08	2007/08	NUM
ajfa-4326	106	17	to	to	ADP
ajfa-4326	106	18	2001/12	2001/12	NUM
ajfa-4326	106	19	.	.	PUNCT
ajfa-4326	107	1	out	out	ADP
ajfa-4326	107	2	of	of	ADP
ajfa-4326	107	3	22	22	NUM
ajfa-4326	107	4	sample	sample	NOUN
ajfa-4326	107	5	banks	bank	NOUN
ajfa-4326	107	6	,	,	PUNCT
ajfa-4326	107	7	6	6	NUM
ajfa-4326	107	8	commercial	commercial	ADJ
ajfa-4326	107	9	banks	bank	NOUN
ajfa-4326	107	10	namely	namely	ADV
ajfa-4326	107	11	nabil	nabil	PROPN
ajfa-4326	107	12	bank	bank	PROPN
ajfa-4326	107	13	limited	limit	VERB
ajfa-4326	107	14	,	,	PUNCT
ajfa-4326	107	15	standard	standard	ADJ
ajfa-4326	107	16	chartered	chartered	PROPN
ajfa-4326	107	17	bank	bank	PROPN
ajfa-4326	107	18	nepal	nepal	PROPN
ajfa-4326	107	19	limited	limited	ADJ
ajfa-4326	107	20	,	,	PUNCT
ajfa-4326	107	21	himalayan	himalayan	ADJ
ajfa-4326	107	22	bank	bank	NOUN
ajfa-4326	107	23	limited	limit	VERB
ajfa-4326	107	24	,	,	PUNCT
ajfa-4326	107	25	nepal	nepal	PROPN
ajfa-4326	107	26	sbi	sbi	PROPN
ajfa-4326	107	27	bank	bank	PROPN
ajfa-4326	107	28	limited	limit	VERB
ajfa-4326	107	29	,	,	PUNCT
ajfa-4326	107	30	nepal	nepal	PROPN
ajfa-4326	107	31	bangladesh	bangladesh	PROPN
ajfa-4326	107	32	bank	bank	PROPN
ajfa-4326	107	33	limited	limit	VERB
ajfa-4326	107	34	,	,	PUNCT
ajfa-4326	107	35	and	and	CCONJ
ajfa-4326	107	36	everest	everest	PROPN
ajfa-4326	107	37	bank	bank	PROPN
ajfa-4326	107	38	limited	limit	VERB
ajfa-4326	107	39	are	be	AUX
ajfa-4326	107	40	joint	joint	ADJ
ajfa-4326	107	41	venture	venture	NOUN
ajfa-4326	107	42	bank	bank	NOUN
ajfa-4326	107	43	.	.	PUNCT
ajfa-4326	108	1	the	the	DET
ajfa-4326	108	2	list	list	NOUN
ajfa-4326	108	3	of	of	ADP
ajfa-4326	108	4	sample	sample	NOUN
ajfa-4326	108	5	commercial	commercial	ADJ
ajfa-4326	108	6	banks	bank	NOUN
ajfa-4326	108	7	along	along	ADP
ajfa-4326	108	8	with	with	ADP
ajfa-4326	108	9	codes	code	NOUN
ajfa-4326	108	10	and	and	CCONJ
ajfa-4326	108	11	other	other	ADJ
ajfa-4326	108	12	details	detail	NOUN
ajfa-4326	108	13	are	be	AUX
ajfa-4326	108	14	provided	provide	VERB
ajfa-4326	108	15	in	in	ADP
ajfa-4326	108	16	table	table	NOUN
ajfa-4326	108	17	5	5	NUM
ajfa-4326	108	18	.	.	PUNCT
ajfa-4326	108	19	table	table	NOUN
ajfa-4326	108	20	5	5	NUM
ajfa-4326	108	21	.	.	PUNCT
ajfa-4326	108	22	sample	sample	NOUN
ajfa-4326	108	23	commercial	commercial	ADJ
ajfa-4326	108	24	banks	banks	PROPN
ajfa-4326	108	25	s.n	s.n	PROPN
ajfa-4326	108	26	.	.	PROPN
ajfa-4326	108	27	name	name	NOUN
ajfa-4326	108	28	of	of	ADP
ajfa-4326	108	29	bank	bank	PROPN
ajfa-4326	108	30	code	code	PROPN
ajfa-4326	108	31	joint	joint	ADJ
ajfa-4326	108	32	venture	venture	NOUN
ajfa-4326	108	33	with	with	ADP
ajfa-4326	108	34	foreign	foreign	ADJ
ajfa-4326	108	35	share	share	NOUN
ajfa-4326	108	36	(	(	PUNCT
ajfa-4326	108	37	%	%	NOUN
ajfa-4326	108	38	)	)	PUNCT
ajfa-4326	108	39	*	*	PUNCT
ajfa-4326	109	1	1	1	X
ajfa-4326	109	2	.	.	X
ajfa-4326	109	3	nabil	nabil	PROPN
ajfa-4326	109	4	bank	bank	PROPN
ajfa-4326	109	5	limited	limited	PROPN
ajfa-4326	109	6	nabil	nabil	PROPN
ajfa-4326	109	7	nb	nb	PROPN
ajfa-4326	109	8	international	international	PROPN
ajfa-4326	109	9	,	,	PUNCT
ajfa-4326	109	10	ireland	ireland	NOUN
ajfa-4326	109	11	50	50	NUM
ajfa-4326	109	12	%	%	NOUN
ajfa-4326	109	13	2	2	NUM
ajfa-4326	109	14	.	.	PUNCT
ajfa-4326	109	15	nepal	nepal	PROPN
ajfa-4326	109	16	investment	investment	PROPN
ajfa-4326	109	17	bank	bank	PROPN
ajfa-4326	109	18	limited	limit	VERB
ajfa-4326	109	19	nibl	nibl	NOUN
ajfa-4326	109	20	3	3	NUM
ajfa-4326	109	21	.	.	X
ajfa-4326	109	22	standard	standard	PROPN
ajfa-4326	109	23	chartered	chartered	PROPN
ajfa-4326	109	24	bank	bank	PROPN
ajfa-4326	109	25	nepal	nepal	PROPN
ajfa-4326	109	26	limited	limit	VERB
ajfa-4326	109	27	scbn	scbn	NOUN
ajfa-4326	109	28	standard	standard	ADJ
ajfa-4326	109	29	chartered	chartered	ADJ
ajfa-4326	109	30	grind	grind	NOUN
ajfa-4326	109	31	lays	lay	VERB
ajfa-4326	109	32	bank	bank	PROPN
ajfa-4326	109	33	ltd	ltd	PROPN
ajfa-4326	109	34	.	.	PROPN
ajfa-4326	109	35	,	,	PUNCT
ajfa-4326	109	36	australia	australia	PROPN
ajfa-4326	109	37	and	and	CCONJ
ajfa-4326	109	38	uk	uk	PROPN
ajfa-4326	109	39	75	75	NUM
ajfa-4326	109	40	%	%	NOUN
ajfa-4326	109	41	4	4	NUM
ajfa-4326	109	42	.	.	PUNCT
ajfa-4326	110	1	himalayan	himalayan	PROPN
ajfa-4326	110	2	bank	bank	PROPN
ajfa-4326	110	3	limited	limit	VERB
ajfa-4326	110	4	hbl	hbl	PROPN
ajfa-4326	110	5	habib	habib	PROPN
ajfa-4326	110	6	bank	bank	PROPN
ajfa-4326	110	7	ltd	ltd	PROPN
ajfa-4326	110	8	.	.	PROPN
ajfa-4326	110	9	,	,	PUNCT
ajfa-4326	110	10	pakistan	pakistan	PROPN
ajfa-4326	110	11	20	20	NUM
ajfa-4326	110	12	%	%	NOUN
ajfa-4326	110	13	5	5	NUM
ajfa-4326	110	14	.	.	PUNCT
ajfa-4326	110	15	nepal	nepal	PROPN
ajfa-4326	110	16	sbi	sbi	PROPN
ajfa-4326	110	17	bank	bank	PROPN
ajfa-4326	110	18	limited	limited	ADJ
ajfa-4326	110	19	nsbi	nsbi	PROPN
ajfa-4326	110	20	state	state	PROPN
ajfa-4326	110	21	bank	bank	PROPN
ajfa-4326	110	22	of	of	ADP
ajfa-4326	110	23	india	india	PROPN
ajfa-4326	110	24	,	,	PUNCT
ajfa-4326	110	25	india	india	PROPN
ajfa-4326	110	26	55.05	55.05	NUM
ajfa-4326	110	27	%	%	NOUN
ajfa-4326	110	28	6	6	NUM
ajfa-4326	110	29	.	.	PUNCT
ajfa-4326	110	30	nepal	nepal	PROPN
ajfa-4326	110	31	bangladesh	bangladesh	PROPN
ajfa-4326	110	32	bank	bank	PROPN
ajfa-4326	110	33	limited	limited	PROPN
ajfa-4326	110	34	nbbl	nbbl	PROPN
ajfa-4326	110	35	bank	bank	PROPN
ajfa-4326	110	36	asia	asia	PROPN
ajfa-4326	110	37	limited	limit	VERB
ajfa-4326	110	38	,	,	PUNCT
ajfa-4326	110	39	bangladesh	bangladesh	PROPN
ajfa-4326	110	40	ific	ific	PROPN
ajfa-4326	110	41	bank	bank	PROPN
ajfa-4326	110	42	,	,	PUNCT
ajfa-4326	110	43	bangladesh	bangladesh	NOUN
ajfa-4326	110	44	22.95	22.95	NUM
ajfa-4326	110	45	%	%	NOUN
ajfa-4326	110	46	7	7	NUM
ajfa-4326	110	47	.	.	PUNCT
ajfa-4326	110	48	everest	everest	PROPN
ajfa-4326	110	49	bank	bank	PROPN
ajfa-4326	110	50	limited	limited	PROPN
ajfa-4326	110	51	ebl	ebl	PROPN
ajfa-4326	110	52	punjab	punjab	PROPN
ajfa-4326	110	53	national	national	PROPN
ajfa-4326	110	54	bank	bank	PROPN
ajfa-4326	110	55	,	,	PUNCT
ajfa-4326	110	56	india	india	PROPN
ajfa-4326	110	57	20	20	NUM
ajfa-4326	110	58	%	%	NOUN
ajfa-4326	110	59	8	8	NUM
ajfa-4326	110	60	.	.	PUNCT
ajfa-4326	111	1	bank	bank	PROPN
ajfa-4326	111	2	of	of	ADP
ajfa-4326	111	3	kathmandu	kathmandu	PROPN
ajfa-4326	111	4	limited	limited	ADJ
ajfa-4326	111	5	bok	bok	NOUN
ajfa-4326	111	6	9	9	NUM
ajfa-4326	111	7	.	.	PUNCT
ajfa-4326	111	8	nepal	nepal	ADJ
ajfa-4326	111	9	credit	credit	PROPN
ajfa-4326	111	10	and	and	CCONJ
ajfa-4326	111	11	commerce	commerce	PROPN
ajfa-4326	111	12	bank	bank	PROPN
ajfa-4326	111	13	limited	limit	VERB
ajfa-4326	111	14	nccb	nccb	PROPN
ajfa-4326	111	15	10	10	NUM
ajfa-4326	111	16	.	.	PUNCT
ajfa-4326	112	1	nic	nic	PROPN
ajfa-4326	112	2	bank	bank	PROPN
ajfa-4326	112	3	limited	limit	VERB
ajfa-4326	112	4	*	*	PUNCT
ajfa-4326	112	5	*	*	PUNCT
ajfa-4326	112	6	nicb	nicb	PROPN
ajfa-4326	112	7	11	11	NUM
ajfa-4326	112	8	.	.	PUNCT
ajfa-4326	113	1	lumbini	lumbini	PROPN
ajfa-4326	113	2	bank	bank	PROPN
ajfa-4326	113	3	limited	limit	VERB
ajfa-4326	113	4	lbl	lbl	PROPN
ajfa-4326	113	5	12	12	NUM
ajfa-4326	113	6	.	.	PUNCT
ajfa-4326	114	1	machhapuchchhre	machhapuchchhre	PROPN
ajfa-4326	114	2	bank	bank	PROPN
ajfa-4326	114	3	limited	limit	VERB
ajfa-4326	114	4	mbl	mbl	NOUN
ajfa-4326	114	5	13	13	NUM
ajfa-4326	114	6	.	.	PUNCT
ajfa-4326	115	1	kumari	kumari	PROPN
ajfa-4326	115	2	bank	bank	PROPN
ajfa-4326	115	3	limited	limited	PROPN
ajfa-4326	115	4	kbl	kbl	PROPN
ajfa-4326	115	5	14	14	NUM
ajfa-4326	115	6	.	.	PUNCT
ajfa-4326	116	1	laxmi	laxmi	PROPN
ajfa-4326	116	2	bank	bank	PROPN
ajfa-4326	116	3	limited	limit	VERB
ajfa-4326	116	4	laxl	laxl	NOUN
ajfa-4326	116	5	15	15	NUM
ajfa-4326	116	6	.	.	PUNCT
ajfa-4326	117	1	sidhhartha	sidhhartha	PROPN
ajfa-4326	117	2	bank	bank	PROPN
ajfa-4326	117	3	limited	limit	VERB
ajfa-4326	117	4	sbl	sbl	PROPN
ajfa-4326	117	5	asian	asian	ADJ
ajfa-4326	117	6	journal	journal	NOUN
ajfa-4326	117	7	of	of	ADP
ajfa-4326	117	8	finance	finance	PROPN
ajfa-4326	117	9	&	&	CCONJ
ajfa-4326	117	10	accounting	accounting	PROPN
ajfa-4326	117	11	issn	issn	PROPN
ajfa-4326	117	12	1946	1946	NUM
ajfa-4326	117	13	-	-	PUNCT
ajfa-4326	117	14	052x	052x	NOUN
ajfa-4326	117	15	2013	2013	NUM
ajfa-4326	117	16	,	,	PUNCT
ajfa-4326	117	17	vol	vol	NOUN
ajfa-4326	117	18	.	.	PROPN
ajfa-4326	117	19	5	5	NUM
ajfa-4326	117	20	,	,	PUNCT
ajfa-4326	117	21	no	no	INTJ
ajfa-4326	117	22	.	.	NOUN
ajfa-4326	117	23	2	2	NUM
ajfa-4326	117	24	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	117	25	227	227	NUM
ajfa-4326	117	26	16	16	NUM
ajfa-4326	117	27	.	.	PUNCT
ajfa-4326	118	1	global	global	PROPN
ajfa-4326	118	2	ime	ime	PROPN
ajfa-4326	118	3	bank	bank	PROPN
ajfa-4326	118	4	limited	limit	VERB
ajfa-4326	118	5	*	*	PUNCT
ajfa-4326	118	6	*	*	PUNCT
ajfa-4326	118	7	*	*	ADJ
ajfa-4326	118	8	gobl	gobl	NOUN
ajfa-4326	118	9	17	17	NUM
ajfa-4326	118	10	.	.	PUNCT
ajfa-4326	119	1	citizens	citizen	NOUN
ajfa-4326	119	2	international	international	PROPN
ajfa-4326	119	3	bank	bank	PROPN
ajfa-4326	119	4	limited	limit	VERB
ajfa-4326	119	5	cbl	cbl	PROPN
ajfa-4326	119	6	18	18	NUM
ajfa-4326	119	7	.	.	PUNCT
ajfa-4326	120	1	prime	prime	PROPN
ajfa-4326	120	2	bank	bank	PROPN
ajfa-4326	120	3	limited	limited	ADJ
ajfa-4326	120	4	pbl	pbl	PROPN
ajfa-4326	120	5	19	19	NUM
ajfa-4326	120	6	.	.	PUNCT
ajfa-4326	120	7	bank	bank	PROPN
ajfa-4326	120	8	of	of	ADP
ajfa-4326	120	9	asia	asia	PROPN
ajfa-4326	120	10	nepal	nepal	PROPN
ajfa-4326	120	11	limited	limited	PROPN
ajfa-4326	120	12	*	*	PUNCT
ajfa-4326	120	13	*	*	PUNCT
ajfa-4326	120	14	boa	boa	PROPN
ajfa-4326	120	15	20	20	NUM
ajfa-4326	120	16	.	.	PUNCT
ajfa-4326	121	1	sunrise	sunrise	PROPN
ajfa-4326	121	2	bank	bank	NOUN
ajfa-4326	121	3	limited	limit	VERB
ajfa-4326	121	4	sbl	sbl	PROPN
ajfa-4326	121	5	21	21	NUM
ajfa-4326	121	6	.	.	PUNCT
ajfa-4326	122	1	grand	grand	PROPN
ajfa-4326	122	2	bank	bank	PROPN
ajfa-4326	122	3	limited	limit	VERB
ajfa-4326	122	4	*	*	PUNCT
ajfa-4326	122	5	*	*	PUNCT
ajfa-4326	122	6	*	*	PUNCT
ajfa-4326	122	7	*	*	PUNCT
ajfa-4326	122	8	gbl	gbl	PROPN
ajfa-4326	122	9	22	22	NUM
ajfa-4326	122	10	.	.	PUNCT
ajfa-4326	123	1	nmb	nmb	PROPN
ajfa-4326	123	2	bank	bank	PROPN
ajfa-4326	123	3	limited	limited	PROPN
ajfa-4326	123	4	nmb	nmb	PROPN
ajfa-4326	123	5	*	*	PUNCT
ajfa-4326	123	6	as	as	ADP
ajfa-4326	123	7	of	of	ADP
ajfa-4326	123	8	july	july	PROPN
ajfa-4326	123	9	2012	2012	NUM
ajfa-4326	123	10	*	*	PUNCT
ajfa-4326	123	11	*	*	PROPN
ajfa-4326	123	12	nic	nic	PROPN
ajfa-4326	123	13	bank	bank	PROPN
ajfa-4326	123	14	limited	limit	VERB
ajfa-4326	123	15	and	and	CCONJ
ajfa-4326	123	16	bank	bank	PROPN
ajfa-4326	123	17	of	of	ADP
ajfa-4326	123	18	asia	asia	PROPN
ajfa-4326	123	19	merged	merge	VERB
ajfa-4326	123	20	and	and	CCONJ
ajfa-4326	123	21	became	become	VERB
ajfa-4326	123	22	nic	nic	PROPN
ajfa-4326	123	23	asia	asia	PROPN
ajfa-4326	123	24	limited	limit	VERB
ajfa-4326	123	25	in	in	ADP
ajfa-4326	123	26	april	april	PROPN
ajfa-4326	123	27	2013	2013	NUM
ajfa-4326	124	1	*	*	PUNCT
ajfa-4326	124	2	*	*	PUNCT
ajfa-4326	124	3	*	*	PUNCT
ajfa-4326	124	4	global	global	ADJ
ajfa-4326	124	5	bank	bank	PROPN
ajfa-4326	124	6	limited	limit	VERB
ajfa-4326	124	7	merged	merge	VERB
ajfa-4326	124	8	with	with	ADP
ajfa-4326	124	9	ime	ime	PROPN
ajfa-4326	124	10	financial	financial	ADJ
ajfa-4326	124	11	institution	institution	NOUN
ajfa-4326	124	12	and	and	CCONJ
ajfa-4326	124	13	lord	lord	PROPN
ajfa-4326	124	14	buddha	buddha	PROPN
ajfa-4326	124	15	finance	finance	PROPN
ajfa-4326	124	16	limited	limit	VERB
ajfa-4326	124	17	and	and	CCONJ
ajfa-4326	124	18	became	become	VERB
ajfa-4326	124	19	global	global	ADJ
ajfa-4326	124	20	ime	ime	PROPN
ajfa-4326	124	21	bank	bank	PROPN
ajfa-4326	124	22	limited	limit	VERB
ajfa-4326	124	23	in	in	ADP
ajfa-4326	124	24	june	june	PROPN
ajfa-4326	124	25	2012	2012	NUM
ajfa-4326	124	26	*	*	PUNCT
ajfa-4326	125	1	*	*	PUNCT
ajfa-4326	125	2	*	*	PUNCT
ajfa-4326	125	3	*	*	AUX
ajfa-4326	125	4	previously	previously	ADV
ajfa-4326	125	5	known	know	VERB
ajfa-4326	125	6	as	as	SCONJ
ajfa-4326	125	7	development	development	NOUN
ajfa-4326	125	8	credit	credit	PROPN
ajfa-4326	125	9	bank	bank	PROPN
ajfa-4326	125	10	limited	limit	VERB
ajfa-4326	125	11	(	(	PUNCT
ajfa-4326	125	12	dcbl	dcbl	NOUN
ajfa-4326	125	13	)	)	PUNCT
ajfa-4326	125	14	.	.	PUNCT
ajfa-4326	126	1	the	the	DET
ajfa-4326	126	2	data	datum	NOUN
ajfa-4326	126	3	required	require	VERB
ajfa-4326	126	4	for	for	ADP
ajfa-4326	126	5	the	the	DET
ajfa-4326	126	6	analysis	analysis	NOUN
ajfa-4326	126	7	were	be	AUX
ajfa-4326	126	8	collected	collect	VERB
ajfa-4326	126	9	from	from	ADP
ajfa-4326	126	10	annual	annual	ADJ
ajfa-4326	126	11	banking	banking	NOUN
ajfa-4326	126	12	and	and	CCONJ
ajfa-4326	126	13	financing	financing	NOUN
ajfa-4326	126	14	statistics	statistic	NOUN
ajfa-4326	126	15	published	publish	VERB
ajfa-4326	126	16	each	each	DET
ajfa-4326	126	17	year	year	NOUN
ajfa-4326	126	18	in	in	ADP
ajfa-4326	126	19	july	july	PROPN
ajfa-4326	126	20	by	by	ADP
ajfa-4326	126	21	nrb	nrb	PROPN
ajfa-4326	126	22	and	and	CCONJ
ajfa-4326	126	23	information	information	NOUN
ajfa-4326	126	24	regarding	regard	VERB
ajfa-4326	126	25	labor	labor	NOUN
ajfa-4326	126	26	was	be	AUX
ajfa-4326	126	27	collected	collect	VERB
ajfa-4326	126	28	from	from	ADP
ajfa-4326	126	29	the	the	DET
ajfa-4326	126	30	annual	annual	ADJ
ajfa-4326	126	31	report	report	NOUN
ajfa-4326	126	32	published	publish	VERB
ajfa-4326	126	33	by	by	ADP
ajfa-4326	126	34	each	each	DET
ajfa-4326	126	35	commercial	commercial	ADJ
ajfa-4326	126	36	bank	bank	NOUN
ajfa-4326	126	37	for	for	ADP
ajfa-4326	126	38	the	the	DET
ajfa-4326	126	39	concerned	concerned	ADJ
ajfa-4326	126	40	year	year	NOUN
ajfa-4326	126	41	.	.	PUNCT
ajfa-4326	127	1	4.2	4.2	NUM
ajfa-4326	127	2	methodology	methodology	NOUN
ajfa-4326	127	3	the	the	DET
ajfa-4326	127	4	aim	aim	NOUN
ajfa-4326	127	5	of	of	ADP
ajfa-4326	127	6	this	this	DET
ajfa-4326	127	7	paper	paper	NOUN
ajfa-4326	127	8	is	be	AUX
ajfa-4326	127	9	to	to	PART
ajfa-4326	127	10	investigate	investigate	VERB
ajfa-4326	127	11	efficiency	efficiency	NOUN
ajfa-4326	127	12	of	of	ADP
ajfa-4326	127	13	selected	select	VERB
ajfa-4326	127	14	commercial	commercial	ADJ
ajfa-4326	127	15	banks	bank	NOUN
ajfa-4326	127	16	in	in	ADP
ajfa-4326	127	17	nepal	nepal	NOUN
ajfa-4326	127	18	using	use	VERB
ajfa-4326	127	19	the	the	DET
ajfa-4326	127	20	nonparametric	nonparametric	NOUN
ajfa-4326	127	21	approach	approach	NOUN
ajfa-4326	127	22	.	.	PUNCT
ajfa-4326	128	1	this	this	DET
ajfa-4326	128	2	study	study	NOUN
ajfa-4326	128	3	adopts	adopt	VERB
ajfa-4326	128	4	the	the	DET
ajfa-4326	128	5	generalized	generalized	ADJ
ajfa-4326	128	6	output	output	NOUN
ajfa-4326	128	7	-	-	PUNCT
ajfa-4326	128	8	oriented	orient	VERB
ajfa-4326	128	9	malmquist	malmquist	NOUN
ajfa-4326	128	10	index	index	NOUN
ajfa-4326	128	11	,	,	PUNCT
ajfa-4326	128	12	developed	develop	VERB
ajfa-4326	128	13	by	by	ADP
ajfa-4326	128	14	fare	fare	NOUN
ajfa-4326	128	15	et	et	PROPN
ajfa-4326	128	16	al	al	PROPN
ajfa-4326	128	17	.	.	PROPN
ajfa-4326	129	1	(	(	PUNCT
ajfa-4326	129	2	1989	1989	NUM
ajfa-4326	129	3	)	)	PUNCT
ajfa-4326	129	4	has	have	AUX
ajfa-4326	129	5	been	be	AUX
ajfa-4326	129	6	used	use	VERB
ajfa-4326	129	7	to	to	PART
ajfa-4326	129	8	measure	measure	VERB
ajfa-4326	129	9	the	the	DET
ajfa-4326	129	10	contributions	contribution	NOUN
ajfa-4326	129	11	from	from	ADP
ajfa-4326	129	12	the	the	DET
ajfa-4326	129	13	progress	progress	NOUN
ajfa-4326	129	14	in	in	ADP
ajfa-4326	129	15	technology	technology	NOUN
ajfa-4326	129	16	(	(	PUNCT
ajfa-4326	129	17	technical	technical	ADJ
ajfa-4326	129	18	change	change	NOUN
ajfa-4326	129	19	)	)	PUNCT
ajfa-4326	129	20	and	and	CCONJ
ajfa-4326	129	21	improvement	improvement	NOUN
ajfa-4326	129	22	in	in	ADP
ajfa-4326	129	23	efficiency	efficiency	NOUN
ajfa-4326	129	24	(	(	PUNCT
ajfa-4326	129	25	efficiency	efficiency	NOUN
ajfa-4326	129	26	change	change	NOUN
ajfa-4326	129	27	)	)	PUNCT
ajfa-4326	129	28	to	to	ADP
ajfa-4326	129	29	the	the	DET
ajfa-4326	129	30	growth	growth	NOUN
ajfa-4326	129	31	of	of	ADP
ajfa-4326	129	32	productivity	productivity	NOUN
ajfa-4326	129	33	in	in	ADP
ajfa-4326	129	34	nepalese	nepalese	ADJ
ajfa-4326	129	35	commercial	commercial	ADJ
ajfa-4326	129	36	bank	bank	NOUN
ajfa-4326	129	37	industries	industry	NOUN
ajfa-4326	129	38	.	.	PUNCT
ajfa-4326	130	1	the	the	DET
ajfa-4326	130	2	malmquist	malmquist	NOUN
ajfa-4326	130	3	indexes	index	NOUN
ajfa-4326	130	4	are	be	AUX
ajfa-4326	130	5	constructed	construct	VERB
ajfa-4326	130	6	using	use	VERB
ajfa-4326	130	7	the	the	DET
ajfa-4326	130	8	data	datum	NOUN
ajfa-4326	130	9	envelopment	envelopment	ADJ
ajfa-4326	130	10	analysis	analysis	NOUN
ajfa-4326	130	11	(	(	PUNCT
ajfa-4326	130	12	dea	dea	NOUN
ajfa-4326	130	13	)	)	PUNCT
ajfa-4326	130	14	and	and	CCONJ
ajfa-4326	130	15	estimated	estimate	VERB
ajfa-4326	130	16	using	use	VERB
ajfa-4326	130	17	a	a	DET
ajfa-4326	130	18	program	program	NOUN
ajfa-4326	130	19	developed	develop	VERB
ajfa-4326	130	20	by	by	ADP
ajfa-4326	130	21	coelli	coelli	PROPN
ajfa-4326	130	22	(	(	PUNCT
ajfa-4326	130	23	1996	1996	NUM
ajfa-4326	130	24	)	)	PUNCT
ajfa-4326	130	25	,	,	PUNCT
ajfa-4326	130	26	called	call	VERB
ajfa-4326	130	27	deap	deap	PROPN
ajfa-4326	130	28	version	version	PROPN
ajfa-4326	130	29	2.1	2.1	NUM
ajfa-4326	130	30	.	.	PUNCT
ajfa-4326	131	1	forsund	forsund	PROPN
ajfa-4326	131	2	(	(	PUNCT
ajfa-4326	131	3	1991	1991	NUM
ajfa-4326	131	4	)	)	PUNCT
ajfa-4326	131	5	derived	derive	VERB
ajfa-4326	131	6	the	the	DET
ajfa-4326	131	7	decomposition	decomposition	NOUN
ajfa-4326	131	8	of	of	ADP
ajfa-4326	131	9	the	the	DET
ajfa-4326	131	10	simple	simple	ADJ
ajfa-4326	131	11	version	version	NOUN
ajfa-4326	131	12	of	of	ADP
ajfa-4326	131	13	the	the	DET
ajfa-4326	131	14	malmquist	malmquist	PROPN
ajfa-4326	131	15	productivity	productivity	NOUN
ajfa-4326	131	16	index	index	NOUN
ajfa-4326	131	17	into	into	ADP
ajfa-4326	131	18	technical	technical	ADJ
ajfa-4326	131	19	change	change	NOUN
ajfa-4326	131	20	and	and	CCONJ
ajfa-4326	131	21	efficiency	efficiency	NOUN
ajfa-4326	131	22	change	change	NOUN
ajfa-4326	131	23	.	.	PUNCT
ajfa-4326	132	1	fare	fare	VERB
ajfa-4326	132	2	et	et	PROPN
ajfa-4326	132	3	al	al	PROPN
ajfa-4326	132	4	.	.	PROPN
ajfa-4326	133	1	(	(	PUNCT
ajfa-4326	133	2	1989	1989	NUM
ajfa-4326	133	3	)	)	PUNCT
ajfa-4326	133	4	showed	show	VERB
ajfa-4326	133	5	that	that	SCONJ
ajfa-4326	133	6	the	the	DET
ajfa-4326	133	7	output	output	NOUN
ajfa-4326	133	8	-	-	PUNCT
ajfa-4326	133	9	based	base	VERB
ajfa-4326	133	10	malmquist	malmquist	PROPN
ajfa-4326	133	11	productivity	productivity	NOUN
ajfa-4326	133	12	index	index	NOUN
ajfa-4326	133	13	between	between	ADP
ajfa-4326	133	14	time	time	NOUN
ajfa-4326	133	15	periods	periods	PROPN
ajfa-4326	133	16	t	t	PROPN
ajfa-4326	133	17	and	and	CCONJ
ajfa-4326	133	18	(	(	PUNCT
ajfa-4326	133	19	t	t	PROPN
ajfa-4326	133	20	+	+	CCONJ
ajfa-4326	133	21	1	1	X
ajfa-4326	133	22	)	)	PUNCT
ajfa-4326	133	23	can	can	AUX
ajfa-4326	133	24	be	be	AUX
ajfa-4326	133	25	decomposed	decompose	VERB
ajfa-4326	133	26	into	into	ADP
ajfa-4326	133	27	two	two	NUM
ajfa-4326	133	28	components	component	NOUN
ajfa-4326	133	29	,	,	PUNCT
ajfa-4326	133	30	as	as	ADP
ajfa-4326	133	31	:	:	PUNCT
ajfa-4326	133	32	mk	mk	PROPN
ajfa-4326	133	33	t+1	t+1	PROPN
ajfa-4326	133	34	yt+1,xt+1,yt	yt+1,xt+1,yt	PROPN
ajfa-4326	133	35	,	,	PUNCT
ajfa-4326	133	36	xt	xt	PUNCT
ajfa-4326	134	1	=	=	SYM
ajfa-4326	134	2	dk	dk	PROPN
ajfa-4326	134	3	t	t	PROPN
ajfa-4326	134	4	(	(	PUNCT
ajfa-4326	134	5	yt+1,xt+1	yt+1,xt+1	NOUN
ajfa-4326	134	6	)	)	PUNCT
ajfa-4326	134	7	dk	dk	PROPN
ajfa-4326	134	8	t	t	PROPN
ajfa-4326	134	9	(	(	PUNCT
ajfa-4326	134	10	yt	yt	PROPN
ajfa-4326	134	11	,	,	PUNCT
ajfa-4326	134	12	xt	xt	X
ajfa-4326	134	13	)	)	PUNCT
ajfa-4326	135	1	×	×	NOUN
ajfa-4326	135	2	dk	dk	PROPN
ajfa-4326	135	3	t+1(yt+1,xt+1	t+1(yt+1,xt+1	PROPN
ajfa-4326	135	4	)	)	PUNCT
ajfa-4326	136	1	dk	dk	PROPN
ajfa-4326	136	2	t+1(yt	t+1(yt	INTJ
ajfa-4326	136	3	,	,	PUNCT
ajfa-4326	136	4	xt	xt	PROPN
ajfa-4326	136	5	)	)	PUNCT
ajfa-4326	136	6	1	1	NUM
ajfa-4326	136	7	2	2	NUM
ajfa-4326	136	8	(	(	PUNCT
ajfa-4326	136	9	1	1	NUM
ajfa-4326	136	10	)	)	PUNCT
ajfa-4326	136	11	where	where	SCONJ
ajfa-4326	136	12	m	m	NOUN
ajfa-4326	136	13	represents	represent	VERB
ajfa-4326	136	14	the	the	DET
ajfa-4326	136	15	productivity	productivity	NOUN
ajfa-4326	136	16	of	of	ADP
ajfa-4326	136	17	the	the	DET
ajfa-4326	136	18	most	most	ADV
ajfa-4326	136	19	recent	recent	ADJ
ajfa-4326	136	20	production	production	NOUN
ajfa-4326	136	21	point	point	NOUN
ajfa-4326	136	22	(	(	PUNCT
ajfa-4326	136	23	xt+1,yt+1	xt+1,yt+1	PROPN
ajfa-4326	136	24	)	)	PUNCT
ajfa-4326	136	25	relative	relative	ADJ
ajfa-4326	136	26	to	to	ADP
ajfa-4326	136	27	the	the	DET
ajfa-4326	136	28	earlier	early	ADJ
ajfa-4326	136	29	production	production	NOUN
ajfa-4326	136	30	point	point	NOUN
ajfa-4326	136	31	(	(	PUNCT
ajfa-4326	136	32	xt	xt	PROPN
ajfa-4326	136	33	,	,	PUNCT
ajfa-4326	136	34	yt	yt	PROPN
ajfa-4326	136	35	)	)	PUNCT
ajfa-4326	136	36	of	of	ADP
ajfa-4326	136	37	bank	bank	PROPN
ajfa-4326	136	38	k.	k.	PROPN
ajfa-4326	137	1	d	d	PROPN
ajfa-4326	137	2	’s	’	VERB
ajfa-4326	137	3	are	be	AUX
ajfa-4326	137	4	output	output	NOUN
ajfa-4326	137	5	distance	distance	NOUN
ajfa-4326	137	6	functions	function	NOUN
ajfa-4326	137	7	.	.	PUNCT
ajfa-4326	138	1	following	follow	VERB
ajfa-4326	138	2	fare	fare	NOUN
ajfa-4326	138	3	et	et	PROPN
ajfa-4326	138	4	al	al	PROPN
ajfa-4326	138	5	.	.	PROPN
ajfa-4326	139	1	(	(	PUNCT
ajfa-4326	139	2	1989	1989	NUM
ajfa-4326	139	3	)	)	PUNCT
ajfa-4326	139	4	,	,	PUNCT
ajfa-4326	139	5	an	an	DET
ajfa-4326	139	6	equivalent	equivalent	ADJ
ajfa-4326	139	7	way	way	NOUN
ajfa-4326	139	8	of	of	ADP
ajfa-4326	139	9	writing	write	VERB
ajfa-4326	139	10	the	the	DET
ajfa-4326	139	11	equation	equation	NOUN
ajfa-4326	139	12	(	(	PUNCT
ajfa-4326	139	13	1	1	X
ajfa-4326	139	14	)	)	PUNCT
ajfa-4326	139	15	is	be	AUX
ajfa-4326	139	16	as	as	SCONJ
ajfa-4326	139	17	follows	follow	VERB
ajfa-4326	139	18	:	:	PUNCT
ajfa-4326	139	19	mk	mk	PROPN
ajfa-4326	139	20	t+1	t+1	PROPN
ajfa-4326	139	21	yt+1,xt+1,yt	yt+1,xt+1,yt	PROPN
ajfa-4326	139	22	,	,	PUNCT
ajfa-4326	139	23	xt	xt	PUNCT
ajfa-4326	140	1	=	=	SYM
ajfa-4326	140	2	dk	dk	PROPN
ajfa-4326	140	3	t+1(yt+1,xt+1	t+1(yt+1,xt+1	PROPN
ajfa-4326	140	4	)	)	PUNCT
ajfa-4326	141	1	dk	dk	PROPN
ajfa-4326	141	2	t	t	PROPN
ajfa-4326	141	3	(	(	PUNCT
ajfa-4326	141	4	yt	yt	PROPN
ajfa-4326	141	5	,	,	PUNCT
ajfa-4326	141	6	xt	xt	PROPN
ajfa-4326	141	7	)	)	PUNCT
ajfa-4326	142	1	×	×	NOUN
ajfa-4326	143	1	dk	dk	PROPN
ajfa-4326	143	2	t	t	PROPN
ajfa-4326	143	3	(	(	PUNCT
ajfa-4326	143	4	yt+1,xt+1	yt+1,xt+1	NOUN
ajfa-4326	143	5	)	)	PUNCT
ajfa-4326	143	6	dk	dk	PROPN
ajfa-4326	143	7	t+1(yt+1,xt+1	t+1(yt+1,xt+1	PROPN
ajfa-4326	143	8	)	)	PUNCT
ajfa-4326	143	9	×	×	NOUN
ajfa-4326	144	1	dk	dk	PROPN
ajfa-4326	144	2	t	t	PROPN
ajfa-4326	144	3	(	(	PUNCT
ajfa-4326	144	4	yt	yt	PROPN
ajfa-4326	144	5	,	,	PUNCT
ajfa-4326	144	6	xt	xt	X
ajfa-4326	144	7	)	)	PUNCT
ajfa-4326	145	1	dk	dk	PROPN
ajfa-4326	145	2	t+1(yt	t+1(yt	INTJ
ajfa-4326	145	3	,	,	PUNCT
ajfa-4326	145	4	xt	xt	PROPN
ajfa-4326	145	5	)	)	PUNCT
ajfa-4326	145	6	1	1	NUM
ajfa-4326	145	7	2	2	NUM
ajfa-4326	145	8	(	(	PUNCT
ajfa-4326	145	9	2	2	NUM
ajfa-4326	145	10	)	)	PUNCT
ajfa-4326	145	11	or	or	CCONJ
ajfa-4326	145	12	,	,	PUNCT
ajfa-4326	145	13	m	m	VERB
ajfa-4326	145	14	=	=	NOUN
ajfa-4326	145	15	effch×techch	effch×techch	NOUN
ajfa-4326	145	16	where	where	SCONJ
ajfa-4326	145	17	,	,	PUNCT
ajfa-4326	145	18	asian	asian	ADJ
ajfa-4326	145	19	journal	journal	NOUN
ajfa-4326	145	20	of	of	ADP
ajfa-4326	145	21	finance	finance	PROPN
ajfa-4326	145	22	&	&	CCONJ
ajfa-4326	145	23	accounting	accounting	PROPN
ajfa-4326	145	24	issn	issn	PROPN
ajfa-4326	145	25	1946	1946	NUM
ajfa-4326	145	26	-	-	PUNCT
ajfa-4326	145	27	052x	052x	NOUN
ajfa-4326	145	28	2013	2013	NUM
ajfa-4326	145	29	,	,	PUNCT
ajfa-4326	145	30	vol	vol	NOUN
ajfa-4326	145	31	.	.	PROPN
ajfa-4326	145	32	5	5	NUM
ajfa-4326	145	33	,	,	PUNCT
ajfa-4326	145	34	no	no	INTJ
ajfa-4326	145	35	.	.	NOUN
ajfa-4326	145	36	2	2	NUM
ajfa-4326	145	37	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	145	38	228	228	NUM
ajfa-4326	145	39	technical	technical	ADJ
ajfa-4326	145	40	efficiency	efficiency	NOUN
ajfa-4326	145	41	change	change	NOUN
ajfa-4326	145	42	(	(	PUNCT
ajfa-4326	145	43	effch	effch	NOUN
ajfa-4326	145	44	)	)	PUNCT
ajfa-4326	145	45	=	=	SYM
ajfa-4326	146	1	dk	dk	PROPN
ajfa-4326	146	2	t+1(yt+1,xt+1	t+1(yt+1,xt+1	PROPN
ajfa-4326	146	3	)	)	PUNCT
ajfa-4326	147	1	dk	dk	PROPN
ajfa-4326	147	2	t	t	PROPN
ajfa-4326	147	3	(	(	PUNCT
ajfa-4326	147	4	yt	yt	PROPN
ajfa-4326	147	5	,	,	PUNCT
ajfa-4326	147	6	xt	xt	X
ajfa-4326	147	7	)	)	PUNCT
ajfa-4326	147	8	(	(	PUNCT
ajfa-4326	147	9	3	3	X
ajfa-4326	147	10	)	)	PUNCT
ajfa-4326	147	11	technical	technical	ADJ
ajfa-4326	147	12	change	change	NOUN
ajfa-4326	147	13	(	(	PUNCT
ajfa-4326	147	14	techch	techch	NOUN
ajfa-4326	147	15	)	)	PUNCT
ajfa-4326	147	16	=	=	SYM
ajfa-4326	148	1	dk	dk	PROPN
ajfa-4326	148	2	t	t	PROPN
ajfa-4326	148	3	(	(	PUNCT
ajfa-4326	148	4	yt+1,xt+1	yt+1,xt+1	NOUN
ajfa-4326	148	5	)	)	PUNCT
ajfa-4326	148	6	dk	dk	PROPN
ajfa-4326	148	7	t+1(yt+1,xt+1	t+1(yt+1,xt+1	PROPN
ajfa-4326	148	8	)	)	PUNCT
ajfa-4326	148	9	×	×	NOUN
ajfa-4326	148	10	dk	dk	PROPN
ajfa-4326	148	11	t	t	PROPN
ajfa-4326	148	12	(	(	PUNCT
ajfa-4326	148	13	yt	yt	PROPN
ajfa-4326	148	14	,	,	PUNCT
ajfa-4326	148	15	xt	xt	X
ajfa-4326	148	16	)	)	PUNCT
ajfa-4326	149	1	dk	dk	PROPN
ajfa-4326	149	2	t+1(yt	t+1(yt	INTJ
ajfa-4326	149	3	,	,	PUNCT
ajfa-4326	149	4	xt	xt	PROPN
ajfa-4326	149	5	)	)	PUNCT
ajfa-4326	149	6	1	1	NUM
ajfa-4326	149	7	2	2	NUM
ajfa-4326	149	8	(	(	PUNCT
ajfa-4326	149	9	4	4	NUM
ajfa-4326	149	10	)	)	PUNCT
ajfa-4326	149	11	essentially	essentially	ADV
ajfa-4326	149	12	,	,	PUNCT
ajfa-4326	149	13	the	the	DET
ajfa-4326	149	14	former	former	ADJ
ajfa-4326	149	15	investigates	investigate	VERB
ajfa-4326	149	16	how	how	SCONJ
ajfa-4326	149	17	well	well	ADV
ajfa-4326	149	18	the	the	DET
ajfa-4326	149	19	production	production	NOUN
ajfa-4326	149	20	process	process	NOUN
ajfa-4326	149	21	converts	convert	VERB
ajfa-4326	149	22	input	input	NOUN
ajfa-4326	149	23	into	into	ADP
ajfa-4326	149	24	outputs	output	NOUN
ajfa-4326	149	25	(	(	PUNCT
ajfa-4326	149	26	catching	catch	VERB
ajfa-4326	149	27	up	up	ADP
ajfa-4326	149	28	to	to	ADP
ajfa-4326	149	29	the	the	DET
ajfa-4326	149	30	frontier	frontier	NOUN
ajfa-4326	149	31	)	)	PUNCT
ajfa-4326	149	32	and	and	CCONJ
ajfa-4326	149	33	the	the	DET
ajfa-4326	149	34	latter	latter	ADJ
ajfa-4326	149	35	reflects	reflect	VERB
ajfa-4326	149	36	improvement	improvement	NOUN
ajfa-4326	149	37	in	in	ADP
ajfa-4326	149	38	technology	technology	NOUN
ajfa-4326	149	39	.	.	PUNCT
ajfa-4326	150	1	according	accord	VERB
ajfa-4326	150	2	to	to	ADP
ajfa-4326	150	3	fare	fare	NOUN
ajfa-4326	150	4	,	,	PUNCT
ajfa-4326	150	5	et	et	PROPN
ajfa-4326	150	6	al	al	PROPN
ajfa-4326	150	7	.	.	PROPN
ajfa-4326	151	1	(	(	PUNCT
ajfa-4326	151	2	1994	1994	NUM
ajfa-4326	151	3	)	)	PUNCT
ajfa-4326	151	4	an	an	DET
ajfa-4326	151	5	improvement	improvement	NOUN
ajfa-4326	151	6	in	in	ADP
ajfa-4326	151	7	performance	performance	NOUN
ajfa-4326	151	8	over	over	ADP
ajfa-4326	151	9	time	time	NOUN
ajfa-4326	151	10	is	be	AUX
ajfa-4326	151	11	associated	associate	VERB
ajfa-4326	151	12	with	with	ADP
ajfa-4326	151	13	a	a	DET
ajfa-4326	151	14	malmquist	malmquist	NOUN
ajfa-4326	151	15	index	index	NOUN
ajfa-4326	151	16	greater	great	ADJ
ajfa-4326	151	17	than	than	ADP
ajfa-4326	151	18	unity	unity	NOUN
ajfa-4326	151	19	and	and	CCONJ
ajfa-4326	151	20	deterioration	deterioration	NOUN
ajfa-4326	151	21	in	in	ADP
ajfa-4326	151	22	performance	performance	NOUN
ajfa-4326	151	23	over	over	ADP
ajfa-4326	151	24	time	time	NOUN
ajfa-4326	151	25	is	be	AUX
ajfa-4326	151	26	associated	associate	VERB
ajfa-4326	151	27	with	with	ADP
ajfa-4326	151	28	a	a	DET
ajfa-4326	151	29	malmquist	malmquist	NOUN
ajfa-4326	151	30	index	index	NOUN
ajfa-4326	151	31	less	less	ADJ
ajfa-4326	151	32	than	than	ADP
ajfa-4326	151	33	unity	unity	NOUN
ajfa-4326	151	34	.	.	PUNCT
ajfa-4326	152	1	likewise	likewise	ADV
ajfa-4326	152	2	,	,	PUNCT
ajfa-4326	152	3	technical	technical	ADJ
ajfa-4326	152	4	efficiency	efficiency	NOUN
ajfa-4326	152	5	value	value	NOUN
ajfa-4326	152	6	greater	great	ADJ
ajfa-4326	152	7	than	than	ADP
ajfa-4326	152	8	one	one	NUM
ajfa-4326	152	9	indicates	indicate	VERB
ajfa-4326	152	10	improvement	improvement	NOUN
ajfa-4326	152	11	in	in	ADP
ajfa-4326	152	12	efficiency	efficiency	NOUN
ajfa-4326	152	13	component	component	NOUN
ajfa-4326	152	14	and	and	CCONJ
ajfa-4326	152	15	is	be	AUX
ajfa-4326	152	16	considered	consider	VERB
ajfa-4326	152	17	to	to	PART
ajfa-4326	152	18	be	be	AUX
ajfa-4326	152	19	evidence	evidence	NOUN
ajfa-4326	152	20	of	of	ADP
ajfa-4326	152	21	catching	catch	VERB
ajfa-4326	152	22	up	up	ADP
ajfa-4326	152	23	(	(	PUNCT
ajfa-4326	152	24	to	to	ADP
ajfa-4326	152	25	the	the	DET
ajfa-4326	152	26	frontier	frontier	NOUN
ajfa-4326	152	27	)	)	PUNCT
ajfa-4326	152	28	and	and	CCONJ
ajfa-4326	152	29	values	value	NOUN
ajfa-4326	152	30	of	of	ADP
ajfa-4326	152	31	the	the	DET
ajfa-4326	152	32	technical	technical	ADJ
ajfa-4326	152	33	change	change	NOUN
ajfa-4326	152	34	component	component	NOUN
ajfa-4326	152	35	greater	great	ADJ
ajfa-4326	152	36	than	than	ADP
ajfa-4326	152	37	one	one	NUM
ajfa-4326	152	38	are	be	AUX
ajfa-4326	152	39	considered	consider	VERB
ajfa-4326	152	40	being	be	AUX
ajfa-4326	152	41	evidence	evidence	NOUN
ajfa-4326	152	42	of	of	ADP
ajfa-4326	152	43	technological	technological	ADJ
ajfa-4326	152	44	progress	progress	NOUN
ajfa-4326	152	45	.	.	PUNCT
ajfa-4326	153	1	now	now	ADV
ajfa-4326	153	2	,	,	PUNCT
ajfa-4326	153	3	assume	assume	VERB
ajfa-4326	153	4	that	that	SCONJ
ajfa-4326	153	5	there	there	PRON
ajfa-4326	153	6	are	be	VERB
ajfa-4326	153	7	k=1	k=1	NOUN
ajfa-4326	153	8	,	,	PUNCT
ajfa-4326	153	9	2,	2,	NUM
ajfa-4326	153	10	…	…	PUNCT
ajfa-4326	153	11	.,k	.,k	NOUN
ajfa-4326	153	12	financial	financial	ADJ
ajfa-4326	153	13	institutions	institution	NOUN
ajfa-4326	153	14	and	and	CCONJ
ajfa-4326	153	15	that	that	SCONJ
ajfa-4326	153	16	each	each	DET
ajfa-4326	153	17	varying	vary	VERB
ajfa-4326	153	18	amounts	amount	NOUN
ajfa-4326	153	19	of	of	ADP
ajfa-4326	153	20	n=1,2,	n=1,2,	NOUN
ajfa-4326	153	21	…	…	SYM
ajfa-4326	153	22	n	n	CCONJ
ajfa-4326	153	23	different	different	ADJ
ajfa-4326	153	24	inputs	input	NOUN
ajfa-4326	153	25	xt	xt	ADP
ajfa-4326	153	26	k	k	PROPN
ajfa-4326	153	27	,	,	PUNCT
ajfa-4326	153	28	n	n	CCONJ
ajfa-4326	153	29	to	to	PART
ajfa-4326	153	30	produce	produce	VERB
ajfa-4326	153	31	m=1,2,	m=1,2,	NOUN
ajfa-4326	153	32	…	…	SYM
ajfa-4326	153	33	,m	,m	PUNCT
ajfa-4326	153	34	outputs	output	NOUN
ajfa-4326	153	35	yt	yt	PROPN
ajfa-4326	153	36	k	k	PROPN
ajfa-4326	153	37	,	,	PUNCT
ajfa-4326	153	38	n	n	CCONJ
ajfa-4326	153	39	at	at	ADP
ajfa-4326	153	40	each	each	DET
ajfa-4326	153	41	time	time	NOUN
ajfa-4326	153	42	period	period	NOUN
ajfa-4326	153	43	t=1,2,	t=1,2,	NOUN
ajfa-4326	153	44	…	…	PUNCT
ajfa-4326	153	45	t.	t.	NOUN
ajfa-4326	153	46	thus	thus	ADV
ajfa-4326	153	47	,	,	PUNCT
ajfa-4326	153	48	the	the	DET
ajfa-4326	153	49	reference	reference	NOUN
ajfa-4326	153	50	technology	technology	NOUN
ajfa-4326	153	51	under	under	ADP
ajfa-4326	153	52	constant	constant	ADJ
ajfa-4326	153	53	returns	return	NOUN
ajfa-4326	153	54	to	to	PART
ajfa-4326	153	55	scale	scale	VERB
ajfa-4326	153	56	(	(	PUNCT
ajfa-4326	153	57	crs	crs	PROPN
ajfa-4326	153	58	)	)	PUNCT
ajfa-4326	153	59	at	at	ADP
ajfa-4326	153	60	each	each	DET
ajfa-4326	153	61	time	time	NOUN
ajfa-4326	153	62	period	period	NOUN
ajfa-4326	153	63	t	t	NOUN
ajfa-4326	153	64	from	from	ADP
ajfa-4326	153	65	the	the	DET
ajfa-4326	153	66	data	datum	NOUN
ajfa-4326	153	67	can	can	AUX
ajfa-4326	153	68	be	be	AUX
ajfa-4326	153	69	defined	define	VERB
ajfa-4326	153	70	as	as	ADP
ajfa-4326	153	71	:	:	PUNCT
ajfa-4326	153	72	gt=	gt=	PROPN
ajfa-4326	153	73	xt	xt	PROPN
ajfa-4326	153	74	,	,	PUNCT
ajfa-4326	153	75	yt	yt	X
ajfa-4326	153	76	:	:	PUNCT
ajfa-4326	153	77	ym	ym	PROPN
ajfa-4326	153	78	t	t	PROPN
ajfa-4326	153	79	≤	≤	NUM
ajfa-4326	153	80	zk	zk	PROPN
ajfa-4326	153	81	t	t	PROPN
ajfa-4326	153	82	yk	yk	PROPN
ajfa-4326	153	83	,	,	PUNCT
ajfa-4326	153	84	m	m	PROPN
ajfa-4326	153	85	t	t	PROPN
ajfa-4326	154	1	k	k	X
ajfa-4326	154	2	k=1	k=1	PROPN
ajfa-4326	155	1	m=1	m=1	PROPN
ajfa-4326	155	2	,	,	PUNCT
ajfa-4326	155	3	…	…	PUNCT
ajfa-4326	155	4	...	...	PUNCT
ajfa-4326	155	5	,	,	PUNCT
ajfa-4326	155	6	m	m	VERB
ajfa-4326	155	7	(	(	PUNCT
ajfa-4326	155	8	5	5	NUM
ajfa-4326	155	9	)	)	PUNCT
ajfa-4326	155	10	zk	zk	PROPN
ajfa-4326	155	11	t	t	PROPN
ajfa-4326	155	12	yk	yk	PROPN
ajfa-4326	155	13	,	,	PUNCT
ajfa-4326	155	14	m	m	PROPN
ajfa-4326	155	15	t	t	PROPN
ajfa-4326	155	16	k	k	NOUN
ajfa-4326	155	17	k=1	k=1	PROPN
ajfa-4326	155	18	≤xn	≤xn	PROPN
ajfa-4326	155	19	t	t	PROPN
ajfa-4326	155	20	n=1	n=1	PROPN
ajfa-4326	155	21	,	,	PUNCT
ajfa-4326	155	22	……	……	NOUN
ajfa-4326	155	23	,	,	PUNCT
ajfa-4326	155	24	n	n	PRON
ajfa-4326	155	25	zk	zk	PROPN
ajfa-4326	155	26	t	t	NOUN
ajfa-4326	155	27	≥0	≥0	X
ajfa-4326	155	28	k=1	k=1	PROPN
ajfa-4326	155	29	,	,	PUNCT
ajfa-4326	155	30	……	……	NOUN
ajfa-4326	155	31	,	,	PUNCT
ajfa-4326	155	32	k	k	PROPN
ajfa-4326	155	33	where	where	SCONJ
ajfa-4326	155	34	zk	zk	PROPN
ajfa-4326	155	35	t	t	PROPN
ajfa-4326	155	36	refers	refer	VERB
ajfa-4326	155	37	to	to	ADP
ajfa-4326	155	38	weight	weight	NOUN
ajfa-4326	155	39	on	on	ADP
ajfa-4326	155	40	each	each	DET
ajfa-4326	155	41	specific	specific	ADJ
ajfa-4326	155	42	cross	cross	ADJ
ajfa-4326	155	43	-	-	ADJ
ajfa-4326	155	44	sectional	sectional	ADJ
ajfa-4326	155	45	observation	observation	NOUN
ajfa-4326	155	46	.	.	PUNCT
ajfa-4326	156	1	following	follow	VERB
ajfa-4326	156	2	afriat	afriat	NOUN
ajfa-4326	156	3	(	(	PUNCT
ajfa-4326	156	4	1972	1972	NUM
ajfa-4326	156	5	)	)	PUNCT
ajfa-4326	156	6	,	,	PUNCT
ajfa-4326	156	7	the	the	DET
ajfa-4326	156	8	assumption	assumption	NOUN
ajfa-4326	156	9	of	of	ADP
ajfa-4326	156	10	crs	crs	PROPN
ajfa-4326	156	11	may	may	AUX
ajfa-4326	156	12	be	be	AUX
ajfa-4326	156	13	relaxed	relax	VERB
ajfa-4326	156	14	to	to	PART
ajfa-4326	156	15	allow	allow	VERB
ajfa-4326	156	16	variable	variable	ADJ
ajfa-4326	156	17	returns	return	NOUN
ajfa-4326	156	18	to	to	PART
ajfa-4326	156	19	scale	scale	VERB
ajfa-4326	156	20	(	(	PUNCT
ajfa-4326	156	21	vrs	vrs	ADJ
ajfa-4326	156	22	)	)	PUNCT
ajfa-4326	156	23	by	by	ADP
ajfa-4326	156	24	adding	add	VERB
ajfa-4326	156	25	the	the	DET
ajfa-4326	156	26	following	follow	VERB
ajfa-4326	156	27	restrictions	restriction	NOUN
ajfa-4326	156	28	:	:	PUNCT
ajfa-4326	157	1	zk	zk	PROPN
ajfa-4326	157	2	t	t	PROPN
ajfa-4326	158	1	k	k	X
ajfa-4326	158	2	k=1	k=1	PUNCT
ajfa-4326	159	1	=	=	SYM
ajfa-4326	159	2	1	1	NUM
ajfa-4326	159	3	vrs	vrs	NOUN
ajfa-4326	159	4	(	(	PUNCT
ajfa-4326	159	5	6	6	NUM
ajfa-4326	159	6	)	)	PUNCT
ajfa-4326	159	7	fare	fare	NOUN
ajfa-4326	159	8	et	et	PROPN
ajfa-4326	159	9	al	al	PROPN
ajfa-4326	159	10	.	.	PROPN
ajfa-4326	160	1	(	(	PUNCT
ajfa-4326	160	2	1994	1994	NUM
ajfa-4326	160	3	)	)	PUNCT
ajfa-4326	160	4	used	use	VERB
ajfa-4326	160	5	an	an	DET
ajfa-4326	160	6	enhanced	enhanced	ADJ
ajfa-4326	160	7	decomposition	decomposition	NOUN
ajfa-4326	160	8	of	of	ADP
ajfa-4326	160	9	the	the	DET
ajfa-4326	160	10	malmquist	malmquist	NOUN
ajfa-4326	160	11	index	index	NOUN
ajfa-4326	160	12	by	by	ADP
ajfa-4326	160	13	decomposing	decompose	VERB
ajfa-4326	160	14	the	the	DET
ajfa-4326	160	15	efficiency	efficiency	NOUN
ajfa-4326	160	16	change	change	NOUN
ajfa-4326	160	17	component	component	NOUN
ajfa-4326	160	18	calculated	calculate	VERB
ajfa-4326	160	19	relative	relative	ADJ
ajfa-4326	160	20	to	to	ADP
ajfa-4326	160	21	the	the	DET
ajfa-4326	160	22	crs	crs	PROPN
ajfa-4326	160	23	technology	technology	NOUN
ajfa-4326	160	24	into	into	ADP
ajfa-4326	160	25	a	a	DET
ajfa-4326	160	26	pure	pure	ADJ
ajfa-4326	160	27	efficiency	efficiency	NOUN
ajfa-4326	160	28	component	component	NOUN
ajfa-4326	160	29	(	(	PUNCT
ajfa-4326	160	30	calculated	calculate	VERB
ajfa-4326	160	31	relative	relative	ADJ
ajfa-4326	160	32	to	to	ADP
ajfa-4326	160	33	the	the	DET
ajfa-4326	160	34	vrs	vrs	PROPN
ajfa-4326	160	35	technology	technology	NOUN
ajfa-4326	160	36	)	)	PUNCT
ajfa-4326	160	37	and	and	CCONJ
ajfa-4326	160	38	a	a	DET
ajfa-4326	160	39	scale	scale	NOUN
ajfa-4326	160	40	efficiency	efficiency	NOUN
ajfa-4326	160	41	-	-	PUNCT
ajfa-4326	160	42	change	change	NOUN
ajfa-4326	160	43	component	component	NOUN
ajfa-4326	160	44	which	which	PRON
ajfa-4326	160	45	captures	capture	VERB
ajfa-4326	160	46	changes	change	NOUN
ajfa-4326	160	47	in	in	ADP
ajfa-4326	160	48	the	the	DET
ajfa-4326	160	49	deviation	deviation	NOUN
ajfa-4326	160	50	between	between	ADP
ajfa-4326	160	51	the	the	DET
ajfa-4326	160	52	vrs	vrs	PROPN
ajfa-4326	160	53	and	and	CCONJ
ajfa-4326	160	54	crs	crs	PROPN
ajfa-4326	160	55	technology	technology	NOUN
ajfa-4326	160	56	.	.	PUNCT
ajfa-4326	161	1	the	the	DET
ajfa-4326	161	2	subset	subset	NOUN
ajfa-4326	161	3	of	of	ADP
ajfa-4326	161	4	pure	pure	ADJ
ajfa-4326	161	5	efficiency	efficiency	NOUN
ajfa-4326	161	6	change	change	NOUN
ajfa-4326	161	7	measures	measure	VERB
ajfa-4326	161	8	the	the	DET
ajfa-4326	161	9	relative	relative	ADJ
ajfa-4326	161	10	ability	ability	NOUN
ajfa-4326	161	11	of	of	ADP
ajfa-4326	161	12	operators	operator	NOUN
ajfa-4326	161	13	to	to	PART
ajfa-4326	161	14	converts	converts	VERB
ajfa-4326	161	15	inputs	input	NOUN
ajfa-4326	161	16	into	into	ADP
ajfa-4326	161	17	outputs	output	NOUN
ajfa-4326	161	18	while	while	SCONJ
ajfa-4326	161	19	scale	scale	NOUN
ajfa-4326	161	20	efficiency	efficiency	NOUN
ajfa-4326	161	21	measures	measure	NOUN
ajfa-4326	161	22	to	to	ADP
ajfa-4326	161	23	what	what	DET
ajfa-4326	161	24	extent	extent	NOUN
ajfa-4326	161	25	the	the	DET
ajfa-4326	161	26	operators	operator	NOUN
ajfa-4326	161	27	can	can	AUX
ajfa-4326	161	28	take	take	VERB
ajfa-4326	161	29	advantage	advantage	NOUN
ajfa-4326	161	30	of	of	ADP
ajfa-4326	161	31	returns	return	NOUN
ajfa-4326	161	32	to	to	PART
ajfa-4326	161	33	scale	scale	VERB
ajfa-4326	161	34	by	by	ADP
ajfa-4326	161	35	altering	alter	VERB
ajfa-4326	161	36	its	its	PRON
ajfa-4326	161	37	size	size	NOUN
ajfa-4326	161	38	towards	towards	ADP
ajfa-4326	161	39	optimal	optimal	ADJ
ajfa-4326	161	40	scale	scale	NOUN
ajfa-4326	161	41	.	.	PUNCT
ajfa-4326	162	1	asian	asian	ADJ
ajfa-4326	162	2	journal	journal	PROPN
ajfa-4326	162	3	of	of	ADP
ajfa-4326	162	4	finance	finance	PROPN
ajfa-4326	162	5	&	&	CCONJ
ajfa-4326	162	6	accounting	accounting	PROPN
ajfa-4326	162	7	issn	issn	PROPN
ajfa-4326	162	8	1946	1946	NUM
ajfa-4326	162	9	-	-	PUNCT
ajfa-4326	162	10	052x	052x	NOUN
ajfa-4326	162	11	2013	2013	NUM
ajfa-4326	162	12	,	,	PUNCT
ajfa-4326	162	13	vol	vol	NOUN
ajfa-4326	162	14	.	.	PROPN
ajfa-4326	162	15	5	5	NUM
ajfa-4326	162	16	,	,	PUNCT
ajfa-4326	162	17	no	no	INTJ
ajfa-4326	162	18	.	.	NOUN
ajfa-4326	162	19	2	2	NUM
ajfa-4326	162	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	162	21	229	229	NUM
ajfa-4326	162	22	thus	thus	ADV
ajfa-4326	162	23	,	,	PUNCT
ajfa-4326	162	24	technical	technical	ADJ
ajfa-4326	162	25	efficiency	efficiency	NOUN
ajfa-4326	162	26	change	change	NOUN
ajfa-4326	162	27	(	(	PUNCT
ajfa-4326	162	28	effch	effch	NOUN
ajfa-4326	162	29	)	)	PUNCT
ajfa-4326	162	30	=	=	X
ajfa-4326	163	1	pech	pech	PROPN
ajfa-4326	163	2	×	×	PROPN
ajfa-4326	163	3	sech	sech	NOUN
ajfa-4326	163	4	where	where	SCONJ
ajfa-4326	163	5	,	,	PUNCT
ajfa-4326	163	6	pure	pure	ADJ
ajfa-4326	163	7	technical	technical	ADJ
ajfa-4326	163	8	efficiency	efficiency	NOUN
ajfa-4326	163	9	change	change	NOUN
ajfa-4326	163	10	pech	pech	NOUN
ajfa-4326	163	11	=	=	PROPN
ajfa-4326	163	12	dv	dv	PROPN
ajfa-4326	163	13	t+1	t+1	PROPN
ajfa-4326	163	14	xk	xk	PROPN
ajfa-4326	163	15	t+1,yk	t+1,yk	X
ajfa-4326	163	16	t+1	t+1	PROPN
ajfa-4326	163	17	dv	dv	PROPN
ajfa-4326	163	18	t	t	PROPN
ajfa-4326	163	19	xk	xk	PROPN
ajfa-4326	163	20	t	t	PROPN
ajfa-4326	163	21	,	,	PUNCT
ajfa-4326	163	22	yk	yk	PROPN
ajfa-4326	163	23	t	t	PROPN
ajfa-4326	163	24	(	(	PUNCT
ajfa-4326	163	25	7	7	NUM
ajfa-4326	163	26	)	)	PUNCT
ajfa-4326	163	27	scale	scale	NOUN
ajfa-4326	163	28	efficiency	efficiency	NOUN
ajfa-4326	163	29	change	change	NOUN
ajfa-4326	163	30	sech	sech	NOUN
ajfa-4326	163	31	=	=	SYM
ajfa-4326	163	32	dc	dc	PROPN
ajfa-4326	164	1	t+1	t+1	PROPN
ajfa-4326	164	2	xk	xk	PROPN
ajfa-4326	164	3	t+1,yk	t+1,yk	X
ajfa-4326	164	4	t+1	t+1	PROPN
ajfa-4326	164	5	dv	dv	PROPN
ajfa-4326	164	6	t+1	t+1	PROPN
ajfa-4326	164	7	xk	xk	PROPN
ajfa-4326	165	1	t+1,yk	t+1,yk	X
ajfa-4326	166	1	t+1	t+1	PROPN
ajfa-4326	166	2	dc	dc	PROPN
ajfa-4326	166	3	t	t	PROPN
ajfa-4326	166	4	xk	xk	PROPN
ajfa-4326	166	5	t	t	PROPN
ajfa-4326	166	6	,	,	PUNCT
ajfa-4326	166	7	yk	yk	PROPN
ajfa-4326	166	8	t	t	PROPN
ajfa-4326	166	9	dv	dv	PROPN
ajfa-4326	166	10	t	t	PROPN
ajfa-4326	166	11	xk	xk	PROPN
ajfa-4326	166	12	t	t	PROPN
ajfa-4326	166	13	,	,	PUNCT
ajfa-4326	166	14	yk	yk	PROPN
ajfa-4326	166	15	t	t	PROPN
ajfa-4326	166	16	(	(	PUNCT
ajfa-4326	166	17	8)	8)	NUM
ajfa-4326	166	18	the	the	DET
ajfa-4326	166	19	subscript	subscript	NOUN
ajfa-4326	166	20	‘	'	PUNCT
ajfa-4326	166	21	v	v	NOUN
ajfa-4326	166	22	’	'	PUNCT
ajfa-4326	166	23	and	and	CCONJ
ajfa-4326	166	24	‘	'	PUNCT
ajfa-4326	166	25	c	c	X
ajfa-4326	166	26	’	'	PUNCT
ajfa-4326	166	27	denotes	denote	NOUN
ajfa-4326	166	28	vrs	vrs	ADJ
ajfa-4326	166	29	and	and	CCONJ
ajfa-4326	166	30	crs	crs	PROPN
ajfa-4326	166	31	technologies	technology	NOUN
ajfa-4326	166	32	,	,	PUNCT
ajfa-4326	166	33	respectively	respectively	ADV
ajfa-4326	166	34	.	.	PUNCT
ajfa-4326	167	1	pech	pech	PROPN
ajfa-4326	167	2	greater	great	ADJ
ajfa-4326	167	3	than	than	ADP
ajfa-4326	167	4	unity	unity	NOUN
ajfa-4326	167	5	indicates	indicate	VERB
ajfa-4326	167	6	increase	increase	NOUN
ajfa-4326	167	7	in	in	ADP
ajfa-4326	167	8	pure	pure	ADJ
ajfa-4326	167	9	technical	technical	ADJ
ajfa-4326	167	10	efficiency	efficiency	NOUN
ajfa-4326	167	11	,	,	PUNCT
ajfa-4326	167	12	while	while	SCONJ
ajfa-4326	167	13	less	less	ADJ
ajfa-4326	167	14	than	than	ADP
ajfa-4326	167	15	unity	unity	NOUN
ajfa-4326	167	16	indicates	indicate	VERB
ajfa-4326	167	17	a	a	DET
ajfa-4326	167	18	decrease	decrease	NOUN
ajfa-4326	167	19	and	and	CCONJ
ajfa-4326	167	20	equal	equal	ADJ
ajfa-4326	167	21	to	to	ADP
ajfa-4326	167	22	unity	unity	NOUN
ajfa-4326	167	23	indicates	indicate	VERB
ajfa-4326	167	24	no	no	DET
ajfa-4326	167	25	change	change	NOUN
ajfa-4326	167	26	in	in	ADP
ajfa-4326	167	27	pure	pure	ADJ
ajfa-4326	167	28	technical	technical	ADJ
ajfa-4326	167	29	efficiency	efficiency	NOUN
ajfa-4326	167	30	.	.	PUNCT
ajfa-4326	168	1	similarly	similarly	ADV
ajfa-4326	168	2	,	,	PUNCT
ajfa-4326	168	3	sech	sech	NOUN
ajfa-4326	168	4	greater	great	ADJ
ajfa-4326	168	5	than	than	ADP
ajfa-4326	168	6	unity	unity	NOUN
ajfa-4326	168	7	indicates	indicate	VERB
ajfa-4326	168	8	that	that	SCONJ
ajfa-4326	168	9	the	the	DET
ajfa-4326	168	10	most	most	ADV
ajfa-4326	168	11	efficient	efficient	ADJ
ajfa-4326	168	12	scale	scale	NOUN
ajfa-4326	168	13	is	be	AUX
ajfa-4326	168	14	increasing	increase	VERB
ajfa-4326	168	15	overtime	overtime	NOUN
ajfa-4326	168	16	,	,	PUNCT
ajfa-4326	168	17	so	so	CCONJ
ajfa-4326	168	18	the	the	DET
ajfa-4326	168	19	scale	scale	NOUN
ajfa-4326	168	20	efficiency	efficiency	NOUN
ajfa-4326	168	21	is	be	AUX
ajfa-4326	168	22	improving	improve	VERB
ajfa-4326	168	23	,	,	PUNCT
ajfa-4326	168	24	while	while	SCONJ
ajfa-4326	168	25	sech	sech	PROPN
ajfa-4326	168	26	less	less	ADJ
ajfa-4326	168	27	than	than	ADP
ajfa-4326	168	28	unity	unity	NOUN
ajfa-4326	168	29	implies	imply	VERB
ajfa-4326	168	30	the	the	DET
ajfa-4326	168	31	opposite	opposite	ADJ
ajfa-4326	168	32	and	and	CCONJ
ajfa-4326	168	33	equal	equal	ADJ
ajfa-4326	168	34	to	to	ADP
ajfa-4326	168	35	unity	unity	NOUN
ajfa-4326	168	36	implies	imply	VERB
ajfa-4326	168	37	no	no	DET
ajfa-4326	168	38	change	change	NOUN
ajfa-4326	168	39	.	.	PUNCT
ajfa-4326	169	1	to	to	PART
ajfa-4326	169	2	construct	construct	VERB
ajfa-4326	169	3	the	the	DET
ajfa-4326	169	4	malmquist	malmquist	NOUN
ajfa-4326	169	5	index	index	NOUN
ajfa-4326	169	6	for	for	ADP
ajfa-4326	169	7	adjacent	adjacent	ADJ
ajfa-4326	169	8	periods	period	NOUN
ajfa-4326	169	9	,	,	PUNCT
ajfa-4326	169	10	it	it	PRON
ajfa-4326	169	11	is	be	AUX
ajfa-4326	169	12	needed	need	VERB
ajfa-4326	169	13	to	to	PART
ajfa-4326	169	14	calculate	calculate	VERB
ajfa-4326	169	15	four	four	NUM
ajfa-4326	169	16	different	different	ADJ
ajfa-4326	169	17	distance	distance	NOUN
ajfa-4326	169	18	functions	function	NOUN
ajfa-4326	169	19	–	–	PUNCT
ajfa-4326	169	20	dt(yt	dt(yt	PROPN
ajfa-4326	169	21	,	,	PUNCT
ajfa-4326	169	22	xt	xt	NUM
ajfa-4326	169	23	)	)	PUNCT
ajfa-4326	169	24	,	,	PUNCT
ajfa-4326	169	25	dt(yt+1	dt(yt+1	PROPN
ajfa-4326	169	26	,	,	PUNCT
ajfa-4326	169	27	xt+1	xt+1	NUM
ajfa-4326	169	28	)	)	PUNCT
ajfa-4326	169	29	,	,	PUNCT
ajfa-4326	169	30	dt+1(yt	dt+1(yt	PROPN
ajfa-4326	169	31	,	,	PUNCT
ajfa-4326	169	32	xt	xt	NOUN
ajfa-4326	169	33	)	)	PUNCT
ajfa-4326	169	34	,	,	PUNCT
ajfa-4326	169	35	dt+1(yt+1	dt+1(yt+1	PROPN
ajfa-4326	169	36	,	,	PUNCT
ajfa-4326	169	37	xt+1	xt+1	NUM
ajfa-4326	169	38	)	)	PUNCT
ajfa-4326	169	39	.	.	PUNCT
ajfa-4326	170	1	this	this	DET
ajfa-4326	170	2	paper	paper	NOUN
ajfa-4326	170	3	uses	use	VERB
ajfa-4326	170	4	data	datum	NOUN
ajfa-4326	170	5	envelopment	envelopment	ADJ
ajfa-4326	170	6	analysis	analysis	NOUN
ajfa-4326	170	7	program	program	NOUN
ajfa-4326	170	8	(	(	PUNCT
ajfa-4326	170	9	deap	deap	ADV
ajfa-4326	170	10	v.	v.	ADP
ajfa-4326	170	11	2.1	2.1	NUM
ajfa-4326	170	12	)	)	PUNCT
ajfa-4326	170	13	developed	develop	VERB
ajfa-4326	170	14	by	by	ADP
ajfa-4326	170	15	coelli	coelli	PROPN
ajfa-4326	170	16	(	(	PUNCT
ajfa-4326	170	17	1996	1996	NUM
ajfa-4326	170	18	)	)	PUNCT
ajfa-4326	170	19	.	.	PUNCT
ajfa-4326	171	1	with	with	ADP
ajfa-4326	171	2	the	the	DET
ajfa-4326	171	3	help	help	NOUN
ajfa-4326	171	4	of	of	ADP
ajfa-4326	171	5	fare	fare	VERB
ajfa-4326	171	6	et	et	PROPN
ajfa-4326	171	7	al	al	PROPN
ajfa-4326	171	8	.	.	PROPN
ajfa-4326	171	9	’s	’s	PART
ajfa-4326	171	10	(	(	PUNCT
ajfa-4326	171	11	1994	1994	NUM
ajfa-4326	171	12	)	)	PUNCT
ajfa-4326	171	13	approach	approach	NOUN
ajfa-4326	171	14	and	and	CCONJ
ajfa-4326	171	15	deap	deap	VERB
ajfa-4326	171	16	2.1	2.1	NUM
ajfa-4326	171	17	,	,	PUNCT
ajfa-4326	171	18	it	it	PRON
ajfa-4326	171	19	is	be	AUX
ajfa-4326	171	20	thus	thus	ADV
ajfa-4326	171	21	possible	possible	ADJ
ajfa-4326	171	22	to	to	PART
ajfa-4326	171	23	provide	provide	VERB
ajfa-4326	171	24	five	five	NUM
ajfa-4326	171	25	efficiency	efficiency	NOUN
ajfa-4326	171	26	indices	index	NOUN
ajfa-4326	171	27	for	for	ADP
ajfa-4326	171	28	each	each	DET
ajfa-4326	171	29	firm	firm	NOUN
ajfa-4326	171	30	and	and	CCONJ
ajfa-4326	171	31	a	a	DET
ajfa-4326	171	32	measure	measure	NOUN
ajfa-4326	171	33	of	of	ADP
ajfa-4326	171	34	technical	technical	ADJ
ajfa-4326	171	35	progress	progress	NOUN
ajfa-4326	171	36	over	over	ADP
ajfa-4326	171	37	time	time	NOUN
ajfa-4326	171	38	.	.	PUNCT
ajfa-4326	172	1	these	these	PRON
ajfa-4326	172	2	are	be	AUX
ajfa-4326	172	3	(	(	PUNCT
ajfa-4326	172	4	i	i	NOUN
ajfa-4326	172	5	)	)	PUNCT
ajfa-4326	172	6	productivity	productivity	NOUN
ajfa-4326	172	7	change	change	NOUN
ajfa-4326	172	8	(	(	PUNCT
ajfa-4326	172	9	tfpch	tfpch	NOUN
ajfa-4326	172	10	)	)	PUNCT
ajfa-4326	172	11	,	,	PUNCT
ajfa-4326	172	12	(	(	PUNCT
ajfa-4326	172	13	ii	ii	NOUN
ajfa-4326	172	14	)	)	PUNCT
ajfa-4326	172	15	technological	technological	ADJ
ajfa-4326	172	16	change	change	NOUN
ajfa-4326	172	17	(	(	PUNCT
ajfa-4326	172	18	techch	techch	NOUN
ajfa-4326	172	19	)	)	PUNCT
ajfa-4326	172	20	,	,	PUNCT
ajfa-4326	172	21	(	(	PUNCT
ajfa-4326	172	22	iii	iii	X
ajfa-4326	172	23	)	)	PUNCT
ajfa-4326	172	24	efficiency	efficiency	NOUN
ajfa-4326	172	25	change	change	NOUN
ajfa-4326	172	26	(	(	PUNCT
ajfa-4326	172	27	effch	effch	NOUN
ajfa-4326	172	28	)	)	PUNCT
ajfa-4326	172	29	,	,	PUNCT
ajfa-4326	172	30	(	(	PUNCT
ajfa-4326	172	31	iv	iv	X
ajfa-4326	172	32	)	)	PUNCT
ajfa-4326	172	33	pure	pure	ADJ
ajfa-4326	172	34	technical	technical	ADJ
ajfa-4326	172	35	efficiency	efficiency	NOUN
ajfa-4326	172	36	change	change	NOUN
ajfa-4326	172	37	(	(	PUNCT
ajfa-4326	172	38	pech	pech	NOUN
ajfa-4326	172	39	)	)	PUNCT
ajfa-4326	172	40	,	,	PUNCT
ajfa-4326	172	41	and	and	CCONJ
ajfa-4326	172	42	(	(	PUNCT
ajfa-4326	172	43	v	v	NOUN
ajfa-4326	172	44	)	)	PUNCT
ajfa-4326	172	45	scale	scale	NOUN
ajfa-4326	172	46	efficiency	efficiency	NOUN
ajfa-4326	172	47	change	change	NOUN
ajfa-4326	172	48	(	(	PUNCT
ajfa-4326	172	49	sech	sech	NOUN
ajfa-4326	172	50	)	)	PUNCT
ajfa-4326	172	51	.	.	PUNCT
ajfa-4326	173	1	4.3	4.3	NUM
ajfa-4326	173	2	choice	choice	NOUN
ajfa-4326	173	3	of	of	ADP
ajfa-4326	173	4	proxies	proxy	NOUN
ajfa-4326	173	5	for	for	ADP
ajfa-4326	173	6	output	output	NOUN
ajfa-4326	173	7	and	and	CCONJ
ajfa-4326	173	8	input	input	VERB
ajfa-4326	173	9	the	the	DET
ajfa-4326	173	10	choice	choice	NOUN
ajfa-4326	173	11	of	of	ADP
ajfa-4326	173	12	input	input	NOUN
ajfa-4326	173	13	variables	variable	NOUN
ajfa-4326	173	14	and	and	CCONJ
ajfa-4326	173	15	output	output	NOUN
ajfa-4326	173	16	variables	variable	NOUN
ajfa-4326	173	17	to	to	PART
ajfa-4326	173	18	measure	measure	VERB
ajfa-4326	173	19	the	the	DET
ajfa-4326	173	20	efficiency	efficiency	NOUN
ajfa-4326	173	21	of	of	ADP
ajfa-4326	173	22	commercial	commercial	ADJ
ajfa-4326	173	23	banks	bank	NOUN
ajfa-4326	173	24	has	have	AUX
ajfa-4326	173	25	been	be	AUX
ajfa-4326	173	26	a	a	DET
ajfa-4326	173	27	debatable	debatable	ADJ
ajfa-4326	173	28	issue	issue	NOUN
ajfa-4326	173	29	.	.	PUNCT
ajfa-4326	174	1	different	different	ADJ
ajfa-4326	174	2	literature	literature	NOUN
ajfa-4326	174	3	supports	support	VERB
ajfa-4326	174	4	different	different	ADJ
ajfa-4326	174	5	views	view	NOUN
ajfa-4326	174	6	regarding	regard	VERB
ajfa-4326	174	7	the	the	DET
ajfa-4326	174	8	input	input	NOUN
ajfa-4326	174	9	and	and	CCONJ
ajfa-4326	174	10	output	output	NOUN
ajfa-4326	174	11	specifications	specification	NOUN
ajfa-4326	174	12	.	.	PUNCT
ajfa-4326	175	1	the	the	DET
ajfa-4326	175	2	choice	choice	NOUN
ajfa-4326	175	3	depends	depend	VERB
ajfa-4326	175	4	on	on	ADP
ajfa-4326	175	5	two	two	NUM
ajfa-4326	175	6	different	different	ADJ
ajfa-4326	175	7	approaches	approach	NOUN
ajfa-4326	175	8	used	use	VERB
ajfa-4326	175	9	in	in	ADP
ajfa-4326	175	10	banking	banking	NOUN
ajfa-4326	175	11	studies	study	NOUN
ajfa-4326	175	12	namely	namely	ADV
ajfa-4326	175	13	,	,	PUNCT
ajfa-4326	175	14	production	production	NOUN
ajfa-4326	175	15	approach	approach	NOUN
ajfa-4326	175	16	and	and	CCONJ
ajfa-4326	175	17	intermediation	intermediation	NOUN
ajfa-4326	175	18	approach	approach	NOUN
ajfa-4326	175	19	.	.	PUNCT
ajfa-4326	176	1	production	production	NOUN
ajfa-4326	176	2	approach	approach	NOUN
ajfa-4326	176	3	considers	consider	VERB
ajfa-4326	176	4	banks	bank	NOUN
ajfa-4326	176	5	as	as	ADP
ajfa-4326	176	6	producers	producer	NOUN
ajfa-4326	176	7	of	of	ADP
ajfa-4326	176	8	loan	loan	NOUN
ajfa-4326	176	9	services	service	NOUN
ajfa-4326	176	10	and	and	CCONJ
ajfa-4326	176	11	deposits	deposit	NOUN
ajfa-4326	176	12	accounts	account	NOUN
ajfa-4326	176	13	using	use	VERB
ajfa-4326	176	14	capital	capital	NOUN
ajfa-4326	176	15	and	and	CCONJ
ajfa-4326	176	16	labor	labor	NOUN
ajfa-4326	176	17	as	as	ADP
ajfa-4326	176	18	inputs	input	NOUN
ajfa-4326	176	19	.	.	PUNCT
ajfa-4326	177	1	under	under	ADP
ajfa-4326	177	2	this	this	DET
ajfa-4326	177	3	approach	approach	NOUN
ajfa-4326	177	4	,	,	PUNCT
ajfa-4326	177	5	output	output	NOUN
ajfa-4326	177	6	is	be	AUX
ajfa-4326	177	7	best	well	ADV
ajfa-4326	177	8	measured	measure	VERB
ajfa-4326	177	9	by	by	ADP
ajfa-4326	177	10	the	the	DET
ajfa-4326	177	11	number	number	NOUN
ajfa-4326	177	12	and	and	CCONJ
ajfa-4326	177	13	type	type	NOUN
ajfa-4326	177	14	of	of	ADP
ajfa-4326	177	15	transactions	transaction	NOUN
ajfa-4326	177	16	or	or	CCONJ
ajfa-4326	177	17	documents	document	NOUN
ajfa-4326	177	18	processed	process	VERB
ajfa-4326	177	19	over	over	ADP
ajfa-4326	177	20	a	a	DET
ajfa-4326	177	21	given	give	VERB
ajfa-4326	177	22	time	time	NOUN
ajfa-4326	177	23	period	period	NOUN
ajfa-4326	177	24	(	(	PUNCT
ajfa-4326	177	25	berger	berger	PROPN
ajfa-4326	177	26	&	&	CCONJ
ajfa-4326	177	27	humphrey	humphrey	PROPN
ajfa-4326	177	28	,	,	PUNCT
ajfa-4326	177	29	1997	1997	NUM
ajfa-4326	177	30	)	)	PUNCT
ajfa-4326	177	31	.	.	PUNCT
ajfa-4326	178	1	however	however	ADV
ajfa-4326	178	2	,	,	PUNCT
ajfa-4326	178	3	such	such	ADJ
ajfa-4326	178	4	data	datum	NOUN
ajfa-4326	178	5	are	be	AUX
ajfa-4326	178	6	typically	typically	ADV
ajfa-4326	178	7	not	not	PART
ajfa-4326	178	8	available	available	ADJ
ajfa-4326	178	9	.	.	PUNCT
ajfa-4326	179	1	the	the	DET
ajfa-4326	179	2	intermediation	intermediation	NOUN
ajfa-4326	179	3	approach	approach	NOUN
ajfa-4326	179	4	considers	consider	VERB
ajfa-4326	179	5	banks	bank	NOUN
ajfa-4326	179	6	as	as	ADP
ajfa-4326	179	7	financial	financial	ADJ
ajfa-4326	179	8	intermediaries	intermediary	NOUN
ajfa-4326	179	9	that	that	PRON
ajfa-4326	179	10	convert	convert	VERB
ajfa-4326	179	11	deposits	deposit	NOUN
ajfa-4326	179	12	and	and	CCONJ
ajfa-4326	179	13	purchased	purchase	VERB
ajfa-4326	179	14	funds	fund	NOUN
ajfa-4326	179	15	into	into	ADP
ajfa-4326	179	16	loans	loan	NOUN
ajfa-4326	179	17	and	and	CCONJ
ajfa-4326	179	18	financial	financial	ADJ
ajfa-4326	179	19	investments	investment	NOUN
ajfa-4326	179	20	.	.	PUNCT
ajfa-4326	180	1	this	this	DET
ajfa-4326	180	2	approach	approach	NOUN
ajfa-4326	180	3	treats	treat	VERB
ajfa-4326	180	4	loans	loan	NOUN
ajfa-4326	180	5	as	as	ADP
ajfa-4326	180	6	outputs	output	NOUN
ajfa-4326	180	7	,	,	PUNCT
ajfa-4326	180	8	while	while	SCONJ
ajfa-4326	180	9	deposits	deposit	NOUN
ajfa-4326	180	10	and	and	CCONJ
ajfa-4326	180	11	other	other	ADJ
ajfa-4326	180	12	liabilities	liability	NOUN
ajfa-4326	180	13	are	be	AUX
ajfa-4326	180	14	treated	treat	VERB
ajfa-4326	180	15	as	as	ADP
ajfa-4326	180	16	inputs	input	NOUN
ajfa-4326	180	17	.	.	PUNCT
ajfa-4326	181	1	this	this	DET
ajfa-4326	181	2	study	study	NOUN
ajfa-4326	181	3	also	also	ADV
ajfa-4326	181	4	uses	use	VERB
ajfa-4326	181	5	intermediation	intermediation	NOUN
ajfa-4326	181	6	approach	approach	NOUN
ajfa-4326	181	7	,	,	PUNCT
ajfa-4326	181	8	which	which	PRON
ajfa-4326	181	9	is	be	AUX
ajfa-4326	181	10	mostly	mostly	ADV
ajfa-4326	181	11	commonly	commonly	ADV
ajfa-4326	181	12	used	use	VERB
ajfa-4326	181	13	approach	approach	NOUN
ajfa-4326	181	14	.	.	PUNCT
ajfa-4326	182	1	the	the	DET
ajfa-4326	182	2	study	study	NOUN
ajfa-4326	182	3	specifies	specify	VERB
ajfa-4326	182	4	three	three	NUM
ajfa-4326	182	5	output	output	NOUN
ajfa-4326	182	6	and	and	CCONJ
ajfa-4326	182	7	three	three	NUM
ajfa-4326	182	8	input	input	NOUN
ajfa-4326	182	9	variables	variable	NOUN
ajfa-4326	182	10	.	.	PUNCT
ajfa-4326	183	1	first	first	ADJ
ajfa-4326	183	2	output	output	NOUN
ajfa-4326	183	3	variable	variable	NOUN
ajfa-4326	183	4	is	be	AUX
ajfa-4326	183	5	loans	loan	NOUN
ajfa-4326	183	6	and	and	CCONJ
ajfa-4326	183	7	advances	advance	NOUN
ajfa-4326	183	8	which	which	PRON
ajfa-4326	183	9	include	include	VERB
ajfa-4326	183	10	loans	loan	NOUN
ajfa-4326	183	11	to	to	ADP
ajfa-4326	183	12	private	private	ADJ
ajfa-4326	183	13	sectors	sector	NOUN
ajfa-4326	183	14	,	,	PUNCT
ajfa-4326	183	15	financial	financial	ADJ
ajfa-4326	183	16	institutions	institution	NOUN
ajfa-4326	183	17	and	and	CCONJ
ajfa-4326	183	18	government	government	NOUN
ajfa-4326	183	19	organizations	organization	NOUN
ajfa-4326	183	20	.	.	PUNCT
ajfa-4326	184	1	second	second	ADJ
ajfa-4326	184	2	output	output	NOUN
ajfa-4326	184	3	variable	variable	NOUN
ajfa-4326	184	4	is	be	AUX
ajfa-4326	184	5	total	total	ADJ
ajfa-4326	184	6	investments	investment	NOUN
ajfa-4326	184	7	which	which	PRON
ajfa-4326	184	8	include	include	VERB
ajfa-4326	184	9	investments	investment	NOUN
ajfa-4326	184	10	in	in	ADP
ajfa-4326	184	11	asian	asian	ADJ
ajfa-4326	184	12	journal	journal	NOUN
ajfa-4326	184	13	of	of	ADP
ajfa-4326	184	14	finance	finance	PROPN
ajfa-4326	184	15	&	&	CCONJ
ajfa-4326	184	16	accounting	accounting	PROPN
ajfa-4326	184	17	issn	issn	PROPN
ajfa-4326	184	18	1946	1946	NUM
ajfa-4326	184	19	-	-	PUNCT
ajfa-4326	184	20	052x	052x	NOUN
ajfa-4326	184	21	2013	2013	NUM
ajfa-4326	184	22	,	,	PUNCT
ajfa-4326	184	23	vol	vol	NOUN
ajfa-4326	184	24	.	.	PROPN
ajfa-4326	185	1	5	5	NUM
ajfa-4326	185	2	,	,	PUNCT
ajfa-4326	185	3	no	no	INTJ
ajfa-4326	185	4	.	.	NOUN
ajfa-4326	185	5	2	2	NUM
ajfa-4326	185	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	185	7	230	230	NUM
ajfa-4326	185	8	government	government	NOUN
ajfa-4326	185	9	securities	security	NOUN
ajfa-4326	185	10	,	,	PUNCT
ajfa-4326	185	11	bonds	bond	NOUN
ajfa-4326	185	12	,	,	PUNCT
ajfa-4326	185	13	government	government	NOUN
ajfa-4326	185	14	and	and	CCONJ
ajfa-4326	185	15	other	other	ADJ
ajfa-4326	185	16	non	non	ADJ
ajfa-4326	185	17	-	-	ADJ
ajfa-4326	185	18	financial	financial	ADJ
ajfa-4326	185	19	institutions	institution	NOUN
ajfa-4326	185	20	,	,	PUNCT
ajfa-4326	185	21	non	non	NOUN
ajfa-4326	185	22	-	-	NOUN
ajfa-4326	185	23	residents	resident	NOUN
ajfa-4326	185	24	,	,	PUNCT
ajfa-4326	185	25	shares	share	NOUN
ajfa-4326	185	26	and	and	CCONJ
ajfa-4326	185	27	other	other	ADJ
ajfa-4326	185	28	investments	investment	NOUN
ajfa-4326	185	29	.	.	PUNCT
ajfa-4326	186	1	third	third	ADJ
ajfa-4326	186	2	output	output	NOUN
ajfa-4326	186	3	variable	variable	NOUN
ajfa-4326	186	4	is	be	AUX
ajfa-4326	186	5	interest	interest	NOUN
ajfa-4326	186	6	income	income	NOUN
ajfa-4326	186	7	which	which	PRON
ajfa-4326	186	8	includes	include	VERB
ajfa-4326	186	9	interest	interest	NOUN
ajfa-4326	186	10	incomes	income	NOUN
ajfa-4326	186	11	from	from	ADP
ajfa-4326	186	12	loans	loan	NOUN
ajfa-4326	186	13	and	and	CCONJ
ajfa-4326	186	14	advances	advance	NOUN
ajfa-4326	186	15	,	,	PUNCT
ajfa-4326	186	16	on	on	ADP
ajfa-4326	186	17	investments	investment	NOUN
ajfa-4326	186	18	,	,	PUNCT
ajfa-4326	186	19	agency	agency	NOUN
ajfa-4326	186	20	balance	balance	NOUN
ajfa-4326	186	21	,	,	PUNCT
ajfa-4326	186	22	call	call	VERB
ajfa-4326	186	23	deposits	deposit	NOUN
ajfa-4326	186	24	,	,	PUNCT
ajfa-4326	186	25	and	and	CCONJ
ajfa-4326	186	26	others	other	NOUN
ajfa-4326	186	27	.	.	PUNCT
ajfa-4326	187	1	likewise	likewise	ADV
ajfa-4326	187	2	,	,	PUNCT
ajfa-4326	187	3	first	first	ADJ
ajfa-4326	187	4	input	input	NOUN
ajfa-4326	187	5	variable	variable	NOUN
ajfa-4326	187	6	is	be	AUX
ajfa-4326	187	7	total	total	ADJ
ajfa-4326	187	8	deposits	deposit	NOUN
ajfa-4326	187	9	which	which	PRON
ajfa-4326	187	10	include	include	VERB
ajfa-4326	187	11	foreign	foreign	ADJ
ajfa-4326	187	12	and	and	CCONJ
ajfa-4326	187	13	domestic	domestic	ADJ
ajfa-4326	187	14	currency	currency	NOUN
ajfa-4326	187	15	current	current	NOUN
ajfa-4326	187	16	,	,	PUNCT
ajfa-4326	187	17	savings	saving	NOUN
ajfa-4326	187	18	and	and	CCONJ
ajfa-4326	187	19	fixed	fix	VERB
ajfa-4326	187	20	deposits	deposit	NOUN
ajfa-4326	187	21	along	along	ADP
ajfa-4326	187	22	with	with	ADP
ajfa-4326	187	23	call	call	NOUN
ajfa-4326	187	24	deposits	deposit	NOUN
ajfa-4326	187	25	and	and	CCONJ
ajfa-4326	187	26	others	other	NOUN
ajfa-4326	187	27	.	.	PUNCT
ajfa-4326	188	1	second	second	ADJ
ajfa-4326	188	2	input	input	NOUN
ajfa-4326	188	3	variable	variable	NOUN
ajfa-4326	188	4	is	be	AUX
ajfa-4326	188	5	labor	labor	NOUN
ajfa-4326	188	6	which	which	PRON
ajfa-4326	188	7	include	include	VERB
ajfa-4326	188	8	average	average	ADJ
ajfa-4326	188	9	employee	employee	NOUN
ajfa-4326	188	10	per	per	ADP
ajfa-4326	188	11	branch	branch	NOUN
ajfa-4326	188	12	and	and	CCONJ
ajfa-4326	188	13	third	third	ADJ
ajfa-4326	188	14	input	input	NOUN
ajfa-4326	188	15	variable	variable	NOUN
ajfa-4326	188	16	is	be	AUX
ajfa-4326	188	17	capital	capital	NOUN
ajfa-4326	188	18	expenses	expense	NOUN
ajfa-4326	188	19	which	which	PRON
ajfa-4326	188	20	include	include	VERB
ajfa-4326	188	21	fixed	fix	VERB
ajfa-4326	188	22	assets	asset	NOUN
ajfa-4326	188	23	and	and	CCONJ
ajfa-4326	188	24	other	other	ADJ
ajfa-4326	188	25	assets	asset	NOUN
ajfa-4326	188	26	(	(	PUNCT
ajfa-4326	188	27	such	such	ADJ
ajfa-4326	188	28	as	as	ADP
ajfa-4326	188	29	accrued	accrued	ADJ
ajfa-4326	188	30	interests	interest	NOUN
ajfa-4326	188	31	,	,	PUNCT
ajfa-4326	188	32	staff	staff	NOUN
ajfa-4326	188	33	loans	loan	NOUN
ajfa-4326	188	34	,	,	PUNCT
ajfa-4326	188	35	sundry	sundry	ADJ
ajfa-4326	188	36	debtors	debtor	NOUN
ajfa-4326	188	37	,	,	PUNCT
ajfa-4326	188	38	and	and	CCONJ
ajfa-4326	188	39	cash	cash	NOUN
ajfa-4326	188	40	in	in	ADP
ajfa-4326	188	41	transit	transit	NOUN
ajfa-4326	188	42	)	)	PUNCT
ajfa-4326	188	43	.	.	PUNCT
ajfa-4326	189	1	table	table	NOUN
ajfa-4326	189	2	6	6	NUM
ajfa-4326	189	3	presents	present	VERB
ajfa-4326	189	4	the	the	DET
ajfa-4326	189	5	descriptive	descriptive	ADJ
ajfa-4326	189	6	statistics	statistic	NOUN
ajfa-4326	189	7	about	about	ADP
ajfa-4326	189	8	the	the	DET
ajfa-4326	189	9	input	input	NOUN
ajfa-4326	189	10	and	and	CCONJ
ajfa-4326	189	11	output	output	NOUN
ajfa-4326	189	12	variables	variable	NOUN
ajfa-4326	189	13	of	of	ADP
ajfa-4326	189	14	22	22	NUM
ajfa-4326	189	15	sample	sample	NOUN
ajfa-4326	189	16	commercial	commercial	ADJ
ajfa-4326	189	17	banks	bank	NOUN
ajfa-4326	189	18	during	during	ADP
ajfa-4326	189	19	the	the	DET
ajfa-4326	189	20	year	year	NOUN
ajfa-4326	189	21	2007/08	2007/08	NUM
ajfa-4326	189	22	to	to	ADP
ajfa-4326	189	23	2011/12	2011/12	NUM
ajfa-4326	189	24	.	.	PUNCT
ajfa-4326	190	1	table	table	NOUN
ajfa-4326	190	2	6	6	NUM
ajfa-4326	190	3	.	.	PUNCT
ajfa-4326	191	1	descriptive	descriptive	ADJ
ajfa-4326	191	2	statistics	statistic	NOUN
ajfa-4326	191	3	of	of	ADP
ajfa-4326	191	4	output	output	NOUN
ajfa-4326	191	5	and	and	CCONJ
ajfa-4326	191	6	input	input	NOUN
ajfa-4326	191	7	variables	variable	NOUN
ajfa-4326	191	8	year	year	NOUN
ajfa-4326	191	9	output	output	NOUN
ajfa-4326	191	10	variables	variable	NOUN
ajfa-4326	191	11	input	input	NOUN
ajfa-4326	191	12	variables	variable	VERB
ajfa-4326	191	13	total	total	ADJ
ajfa-4326	191	14	loans	loan	NOUN
ajfa-4326	191	15	and	and	CCONJ
ajfa-4326	191	16	advances	advance	NOUN
ajfa-4326	191	17	total	total	ADJ
ajfa-4326	191	18	investment	investment	NOUN
ajfa-4326	191	19	total	total	ADJ
ajfa-4326	191	20	interest	interest	NOUN
ajfa-4326	191	21	income	income	NOUN
ajfa-4326	191	22	total	total	NOUN
ajfa-4326	191	23	deposits	deposit	NOUN
ajfa-4326	191	24	labor	labor	NOUN
ajfa-4326	191	25	total	total	NOUN
ajfa-4326	191	26	capital	capital	NOUN
ajfa-4326	191	27	expenses	expense	VERB
ajfa-4326	191	28	2007/08	2007/08	NUM
ajfa-4326	191	29	223,494	223,494	NUM
ajfa-4326	191	30	72,783	72,783	NUM
ajfa-4326	191	31	19,408	19,408	NUM
ajfa-4326	191	32	294,084	294,084	NUM
ajfa-4326	191	33	24	24	NUM
ajfa-4326	191	34	21,711	21,711	NUM
ajfa-4326	191	35	2008/09	2008/09	NUM
ajfa-4326	191	36	302,261	302,261	NUM
ajfa-4326	191	37	93,761	93,761	NUM
ajfa-4326	191	38	29,106	29,106	NUM
ajfa-4326	192	1	407,508	407,508	NUM
ajfa-4326	192	2	18	18	NUM
ajfa-4326	192	3	26,308	26,308	NUM
ajfa-4326	192	4	2009/10	2009/10	NUM
ajfa-4326	192	5	353,953	353,953	NUM
ajfa-4326	192	6	108,557	108,557	NUM
ajfa-4326	192	7	43,029	43,029	NUM
ajfa-4326	192	8	470,847	470,847	NUM
ajfa-4326	192	9	14	14	NUM
ajfa-4326	192	10	28,887	28,887	NUM
ajfa-4326	192	11	2010/11	2010/11	NUM
ajfa-4326	192	12	390,377	390,377	NUM
ajfa-4326	192	13	113,762	113,762	NUM
ajfa-4326	192	14	55,888	55,888	NUM
ajfa-4326	192	15	500,978	500,978	NUM
ajfa-4326	192	16	14	14	NUM
ajfa-4326	192	17	35,145	35,145	NUM
ajfa-4326	192	18	2011/12	2011/12	NUM
ajfa-4326	192	19	440,019	440,019	NUM
ajfa-4326	192	20	125,064	125,064	NUM
ajfa-4326	192	21	62,003	62,003	NUM
ajfa-4326	192	22	609,698	609,698	NUM
ajfa-4326	192	23	13	13	NUM
ajfa-4326	192	24	46,038	46,038	NUM
ajfa-4326	192	25	mean	mean	NOUN
ajfa-4326	192	26	342,021	342,021	NUM
ajfa-4326	192	27	102,785	102,785	NUM
ajfa-4326	192	28	41,887	41,887	NUM
ajfa-4326	192	29	456,623	456,623	NUM
ajfa-4326	192	30	17	17	NUM
ajfa-4326	192	31	31,618	31,618	NUM
ajfa-4326	192	32	standard	standard	ADJ
ajfa-4326	192	33	deviation	deviation	NOUN
ajfa-4326	192	34	83,238	83,238	NUM
ajfa-4326	192	35	20,198	20,198	NUM
ajfa-4326	192	36	17,823	17,823	NUM
ajfa-4326	192	37	116,654	116,654	NUM
ajfa-4326	192	38	5	5	NUM
ajfa-4326	192	39	9,410	9,410	NUM
ajfa-4326	192	40	maximum	maximum	NOUN
ajfa-4326	192	41	440,019	440,019	NUM
ajfa-4326	192	42	125,064	125,064	NUM
ajfa-4326	192	43	62,003	62,003	NUM
ajfa-4326	192	44	609,698	609,698	NUM
ajfa-4326	192	45	24	24	NUM
ajfa-4326	192	46	46,038	46,038	NUM
ajfa-4326	192	47	minimum	minimum	NOUN
ajfa-4326	192	48	223,494	223,494	NUM
ajfa-4326	192	49	72,783	72,783	NUM
ajfa-4326	192	50	19,408	19,408	NUM
ajfa-4326	192	51	294,084	294,084	NUM
ajfa-4326	192	52	13	13	NUM
ajfa-4326	192	53	21,711	21,711	NUM
ajfa-4326	192	54	nibl	nibl	NOUN
ajfa-4326	192	55	ranks	rank	VERB
ajfa-4326	192	56	highest	high	ADJ
ajfa-4326	192	57	in	in	ADP
ajfa-4326	192	58	terms	term	NOUN
ajfa-4326	192	59	of	of	ADP
ajfa-4326	192	60	total	total	ADJ
ajfa-4326	192	61	loans	loan	NOUN
ajfa-4326	192	62	and	and	CCONJ
ajfa-4326	192	63	advances	advance	NOUN
ajfa-4326	192	64	,	,	PUNCT
ajfa-4326	192	65	total	total	ADJ
ajfa-4326	192	66	interest	interest	NOUN
ajfa-4326	192	67	income	income	NOUN
ajfa-4326	192	68	and	and	CCONJ
ajfa-4326	192	69	total	total	ADJ
ajfa-4326	192	70	deposits	deposit	NOUN
ajfa-4326	192	71	whereas	whereas	SCONJ
ajfa-4326	192	72	scbn	scbn	NOUN
ajfa-4326	192	73	ranks	rank	VERB
ajfa-4326	192	74	highest	high	ADJ
ajfa-4326	192	75	in	in	ADP
ajfa-4326	192	76	terms	term	NOUN
ajfa-4326	192	77	of	of	ADP
ajfa-4326	192	78	total	total	ADJ
ajfa-4326	192	79	investments	investment	NOUN
ajfa-4326	192	80	and	and	CCONJ
ajfa-4326	192	81	has	have	VERB
ajfa-4326	192	82	highest	high	ADJ
ajfa-4326	192	83	number	number	NOUN
ajfa-4326	192	84	of	of	ADP
ajfa-4326	192	85	employees	employee	NOUN
ajfa-4326	192	86	per	per	ADP
ajfa-4326	192	87	branch	branch	NOUN
ajfa-4326	192	88	.	.	PUNCT
ajfa-4326	193	1	nabil	nabil	PROPN
ajfa-4326	193	2	has	have	VERB
ajfa-4326	193	3	highest	high	ADJ
ajfa-4326	193	4	capital	capital	NOUN
ajfa-4326	193	5	expenses	expense	NOUN
ajfa-4326	193	6	and	and	CCONJ
ajfa-4326	193	7	is	be	AUX
ajfa-4326	193	8	behind	behind	ADP
ajfa-4326	193	9	nibl	nibl	NOUN
ajfa-4326	193	10	in	in	ADP
ajfa-4326	193	11	terms	term	NOUN
ajfa-4326	193	12	of	of	ADP
ajfa-4326	193	13	total	total	ADJ
ajfa-4326	193	14	loans	loan	NOUN
ajfa-4326	193	15	and	and	CCONJ
ajfa-4326	193	16	advances	advance	NOUN
ajfa-4326	193	17	,	,	PUNCT
ajfa-4326	193	18	total	total	ADJ
ajfa-4326	193	19	interest	interest	NOUN
ajfa-4326	193	20	income	income	NOUN
ajfa-4326	193	21	and	and	CCONJ
ajfa-4326	193	22	total	total	ADJ
ajfa-4326	193	23	deposits	deposit	NOUN
ajfa-4326	193	24	.	.	PUNCT
ajfa-4326	194	1	lbl	lbl	PROPN
ajfa-4326	194	2	ranks	rank	VERB
ajfa-4326	194	3	lowest	low	ADJ
ajfa-4326	194	4	in	in	ADP
ajfa-4326	194	5	terms	term	NOUN
ajfa-4326	194	6	of	of	ADP
ajfa-4326	194	7	total	total	ADJ
ajfa-4326	194	8	loans	loan	NOUN
ajfa-4326	194	9	and	and	CCONJ
ajfa-4326	194	10	advances	advance	NOUN
ajfa-4326	194	11	,	,	PUNCT
ajfa-4326	194	12	total	total	ADJ
ajfa-4326	194	13	investments	investment	NOUN
ajfa-4326	194	14	and	and	CCONJ
ajfa-4326	194	15	total	total	ADJ
ajfa-4326	194	16	deposits	deposit	NOUN
ajfa-4326	194	17	.	.	PUNCT
ajfa-4326	195	1	5	5	X
ajfa-4326	195	2	.	.	X
ajfa-4326	195	3	empirical	empirical	ADJ
ajfa-4326	195	4	results	result	NOUN
ajfa-4326	195	5	table	table	VERB
ajfa-4326	195	6	7	7	NUM
ajfa-4326	195	7	reports	report	VERB
ajfa-4326	195	8	the	the	DET
ajfa-4326	195	9	measures	measure	NOUN
ajfa-4326	195	10	of	of	ADP
ajfa-4326	195	11	efficiency	efficiency	NOUN
ajfa-4326	195	12	for	for	ADP
ajfa-4326	195	13	the	the	DET
ajfa-4326	195	14	22	22	NUM
ajfa-4326	195	15	commercial	commercial	ADJ
ajfa-4326	195	16	banks	bank	NOUN
ajfa-4326	195	17	from	from	ADP
ajfa-4326	195	18	2007/08	2007/08	NUM
ajfa-4326	195	19	to	to	ADP
ajfa-4326	195	20	2011/12	2011/12	NUM
ajfa-4326	195	21	under	under	ADP
ajfa-4326	195	22	constant	constant	ADJ
ajfa-4326	195	23	returns	return	NOUN
ajfa-4326	195	24	to	to	PART
ajfa-4326	195	25	scale	scale	VERB
ajfa-4326	195	26	(	(	PUNCT
ajfa-4326	195	27	crs	crs	PROPN
ajfa-4326	195	28	)	)	PUNCT
ajfa-4326	195	29	and	and	CCONJ
ajfa-4326	195	30	variable	variable	ADJ
ajfa-4326	195	31	returns	return	NOUN
ajfa-4326	195	32	to	to	PART
ajfa-4326	195	33	scale	scale	VERB
ajfa-4326	195	34	(	(	PUNCT
ajfa-4326	195	35	vrs	vrs	ADJ
ajfa-4326	195	36	)	)	PUNCT
ajfa-4326	195	37	assumption	assumption	NOUN
ajfa-4326	195	38	.	.	PUNCT
ajfa-4326	196	1	the	the	DET
ajfa-4326	196	2	value	value	NOUN
ajfa-4326	196	3	of	of	ADP
ajfa-4326	196	4	unity	unity	NOUN
ajfa-4326	196	5	represents	represent	VERB
ajfa-4326	196	6	the	the	DET
ajfa-4326	196	7	industry	industry	NOUN
ajfa-4326	196	8	frontier	frontier	NOUN
ajfa-4326	196	9	,	,	PUNCT
ajfa-4326	196	10	thus	thus	ADV
ajfa-4326	196	11	the	the	DET
ajfa-4326	196	12	firm	firm	NOUN
ajfa-4326	196	13	with	with	ADP
ajfa-4326	196	14	lower	low	ADJ
ajfa-4326	196	15	value	value	NOUN
ajfa-4326	196	16	than	than	ADP
ajfa-4326	196	17	unity	unity	NOUN
ajfa-4326	196	18	is	be	AUX
ajfa-4326	196	19	more	more	ADV
ajfa-4326	196	20	inefficient	inefficient	ADJ
ajfa-4326	196	21	compared	compare	VERB
ajfa-4326	196	22	to	to	ADP
ajfa-4326	196	23	values	value	NOUN
ajfa-4326	196	24	closer	close	ADV
ajfa-4326	196	25	than	than	ADP
ajfa-4326	196	26	one	one	NUM
ajfa-4326	196	27	.	.	PUNCT
ajfa-4326	197	1	values	value	NOUN
ajfa-4326	197	2	of	of	ADP
ajfa-4326	197	3	unity	unity	NOUN
ajfa-4326	197	4	imply	imply	VERB
ajfa-4326	197	5	that	that	SCONJ
ajfa-4326	197	6	the	the	DET
ajfa-4326	197	7	firm	firm	NOUN
ajfa-4326	197	8	is	be	AUX
ajfa-4326	197	9	on	on	ADP
ajfa-4326	197	10	the	the	DET
ajfa-4326	197	11	industry	industry	NOUN
ajfa-4326	197	12	frontier	frontier	NOUN
ajfa-4326	197	13	in	in	ADP
ajfa-4326	197	14	the	the	DET
ajfa-4326	197	15	associated	associated	ADJ
ajfa-4326	197	16	year	year	NOUN
ajfa-4326	197	17	where	where	SCONJ
ajfa-4326	197	18	as	as	SCONJ
ajfa-4326	197	19	value	value	NOUN
ajfa-4326	197	20	less	less	ADJ
ajfa-4326	197	21	than	than	ADP
ajfa-4326	197	22	unity	unity	NOUN
ajfa-4326	197	23	imply	imply	VERB
ajfa-4326	197	24	that	that	SCONJ
ajfa-4326	197	25	firm	firm	NOUN
ajfa-4326	197	26	is	be	AUX
ajfa-4326	197	27	below	below	ADP
ajfa-4326	197	28	the	the	DET
ajfa-4326	197	29	frontier	frontier	NOUN
ajfa-4326	197	30	or	or	CCONJ
ajfa-4326	197	31	technically	technically	ADV
ajfa-4326	197	32	inefficient	inefficient	ADJ
ajfa-4326	197	33	.	.	PUNCT
ajfa-4326	198	1	it	it	PRON
ajfa-4326	198	2	can	can	AUX
ajfa-4326	198	3	be	be	AUX
ajfa-4326	198	4	seen	see	VERB
ajfa-4326	198	5	that	that	SCONJ
ajfa-4326	198	6	nabil	nabil	NOUN
ajfa-4326	198	7	,	,	PUNCT
ajfa-4326	198	8	ebl	ebl	PROPN
ajfa-4326	198	9	,	,	PUNCT
ajfa-4326	198	10	nsbi	nsbi	NOUN
ajfa-4326	198	11	,	,	PUNCT
ajfa-4326	198	12	lbl	lbl	PROPN
ajfa-4326	198	13	,	,	PUNCT
ajfa-4326	198	14	and	and	CCONJ
ajfa-4326	198	15	pbl	pbl	PROPN
ajfa-4326	198	16	are	be	AUX
ajfa-4326	198	17	consistently	consistently	ADV
ajfa-4326	198	18	efficient	efficient	ADJ
ajfa-4326	198	19	under	under	ADP
ajfa-4326	198	20	both	both	CCONJ
ajfa-4326	198	21	crs	crs	PROPN
ajfa-4326	198	22	and	and	CCONJ
ajfa-4326	198	23	vrs	vrs	PROPN
ajfa-4326	198	24	;	;	PUNCT
ajfa-4326	198	25	however	however	ADV
ajfa-4326	198	26	,	,	PUNCT
ajfa-4326	198	27	in	in	ADP
ajfa-4326	198	28	addition	addition	NOUN
ajfa-4326	198	29	,	,	PUNCT
ajfa-4326	198	30	nibl	nibl	NOUN
ajfa-4326	198	31	and	and	CCONJ
ajfa-4326	198	32	nicb	nicb	PROPN
ajfa-4326	198	33	are	be	AUX
ajfa-4326	198	34	consistently	consistently	ADV
ajfa-4326	198	35	efficient	efficient	ADJ
ajfa-4326	198	36	under	under	ADP
ajfa-4326	198	37	vrs	vrs	PROPN
ajfa-4326	198	38	.	.	PUNCT
ajfa-4326	199	1	nccb	nccb	PROPN
ajfa-4326	199	2	,	,	PUNCT
ajfa-4326	199	3	nbbl	nbbl	PROPN
ajfa-4326	199	4	,	,	PUNCT
ajfa-4326	199	5	mbl	mbl	PROPN
ajfa-4326	199	6	and	and	CCONJ
ajfa-4326	199	7	laxbl	laxbl	PROPN
ajfa-4326	199	8	seem	seem	VERB
ajfa-4326	199	9	to	to	PART
ajfa-4326	199	10	be	be	AUX
ajfa-4326	199	11	least	least	ADV
ajfa-4326	199	12	efficient	efficient	ADJ
ajfa-4326	199	13	bank	bank	NOUN
ajfa-4326	199	14	under	under	ADP
ajfa-4326	199	15	both	both	CCONJ
ajfa-4326	199	16	crs	crs	PROPN
ajfa-4326	199	17	and	and	CCONJ
ajfa-4326	199	18	vrs	vrs	PROPN
ajfa-4326	199	19	.	.	PUNCT
ajfa-4326	200	1	however	however	ADV
ajfa-4326	200	2	,	,	PUNCT
ajfa-4326	200	3	the	the	DET
ajfa-4326	200	4	efficiency	efficiency	NOUN
ajfa-4326	200	5	of	of	ADP
ajfa-4326	200	6	nccb	nccb	PROPN
ajfa-4326	200	7	has	have	AUX
ajfa-4326	200	8	slightly	slightly	ADV
ajfa-4326	200	9	improved	improve	VERB
ajfa-4326	200	10	compared	compare	VERB
ajfa-4326	200	11	to	to	ADP
ajfa-4326	200	12	other	other	ADJ
ajfa-4326	200	13	least	least	ADJ
ajfa-4326	200	14	efficient	efficient	ADJ
ajfa-4326	200	15	banks	bank	NOUN
ajfa-4326	200	16	.	.	PUNCT
ajfa-4326	201	1	the	the	DET
ajfa-4326	201	2	efficiency	efficiency	NOUN
ajfa-4326	201	3	of	of	ADP
ajfa-4326	201	4	nbbl	nbbl	PROPN
ajfa-4326	201	5	,	,	PUNCT
ajfa-4326	201	6	mbl	mbl	PROPN
ajfa-4326	201	7	and	and	CCONJ
ajfa-4326	201	8	lbl	lbl	PROPN
ajfa-4326	201	9	both	both	PRON
ajfa-4326	201	10	has	have	AUX
ajfa-4326	201	11	declined	decline	VERB
ajfa-4326	201	12	over	over	ADP
ajfa-4326	201	13	the	the	DET
ajfa-4326	201	14	year	year	NOUN
ajfa-4326	201	15	under	under	ADP
ajfa-4326	201	16	both	both	CCONJ
ajfa-4326	201	17	asian	asian	ADJ
ajfa-4326	201	18	journal	journal	NOUN
ajfa-4326	201	19	of	of	ADP
ajfa-4326	201	20	finance	finance	PROPN
ajfa-4326	201	21	&	&	CCONJ
ajfa-4326	201	22	accounting	accounting	PROPN
ajfa-4326	202	1	issn	issn	PROPN
ajfa-4326	202	2	1946	1946	NUM
ajfa-4326	202	3	-	-	PUNCT
ajfa-4326	202	4	052x	052x	NOUN
ajfa-4326	202	5	2013	2013	NUM
ajfa-4326	202	6	,	,	PUNCT
ajfa-4326	202	7	vol	vol	NOUN
ajfa-4326	202	8	.	.	PROPN
ajfa-4326	202	9	5	5	NUM
ajfa-4326	202	10	,	,	PUNCT
ajfa-4326	202	11	no	no	INTJ
ajfa-4326	202	12	.	.	NOUN
ajfa-4326	202	13	2	2	NUM
ajfa-4326	202	14	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	202	15	231	231	NUM
ajfa-4326	202	16	crs	crs	PROPN
ajfa-4326	202	17	and	and	CCONJ
ajfa-4326	202	18	vrs	vrs	PROPN
ajfa-4326	202	19	.	.	PROPN
ajfa-4326	202	20	gobl	gobl	NOUN
ajfa-4326	202	21	,	,	PUNCT
ajfa-4326	202	22	sbl	sbl	PROPN
ajfa-4326	202	23	and	and	CCONJ
ajfa-4326	202	24	cbl	cbl	PROPN
ajfa-4326	202	25	seem	seem	VERB
ajfa-4326	202	26	to	to	PART
ajfa-4326	202	27	be	be	AUX
ajfa-4326	202	28	improving	improve	VERB
ajfa-4326	202	29	its	its	PRON
ajfa-4326	202	30	performance	performance	NOUN
ajfa-4326	202	31	over	over	ADP
ajfa-4326	202	32	the	the	DET
ajfa-4326	202	33	years	year	NOUN
ajfa-4326	202	34	,	,	PUNCT
ajfa-4326	202	35	gobl	gobl	NOUN
ajfa-4326	202	36	witnessing	witness	VERB
ajfa-4326	202	37	greater	great	ADJ
ajfa-4326	202	38	growth	growth	NOUN
ajfa-4326	202	39	in	in	ADP
ajfa-4326	202	40	efficiency	efficiency	NOUN
ajfa-4326	202	41	but	but	CCONJ
ajfa-4326	202	42	sbl	sbl	NOUN
ajfa-4326	202	43	is	be	AUX
ajfa-4326	202	44	more	more	ADV
ajfa-4326	202	45	efficient	efficient	ADJ
ajfa-4326	202	46	.	.	PUNCT
ajfa-4326	203	1	nmb	nmb	PROPN
ajfa-4326	203	2	lost	lose	VERB
ajfa-4326	203	3	its	its	PRON
ajfa-4326	203	4	efficiency	efficiency	NOUN
ajfa-4326	203	5	in	in	ADP
ajfa-4326	203	6	between	between	ADP
ajfa-4326	203	7	but	but	CCONJ
ajfa-4326	203	8	recovered	recover	VERB
ajfa-4326	203	9	efficiency	efficiency	NOUN
ajfa-4326	203	10	strongly	strongly	ADV
ajfa-4326	203	11	during	during	ADP
ajfa-4326	203	12	the	the	DET
ajfa-4326	203	13	adverse	adverse	ADJ
ajfa-4326	203	14	period	period	NOUN
ajfa-4326	203	15	.	.	PUNCT
ajfa-4326	204	1	surprisingly	surprisingly	ADV
ajfa-4326	204	2	,	,	PUNCT
ajfa-4326	204	3	the	the	DET
ajfa-4326	204	4	efficiency	efficiency	NOUN
ajfa-4326	204	5	of	of	ADP
ajfa-4326	204	6	hbl	hbl	PROPN
ajfa-4326	204	7	,	,	PUNCT
ajfa-4326	204	8	bok	bok	PROPN
ajfa-4326	204	9	and	and	CCONJ
ajfa-4326	204	10	kbl	kbl	PROPN
ajfa-4326	204	11	has	have	AUX
ajfa-4326	204	12	declined	decline	VERB
ajfa-4326	204	13	slightly	slightly	ADV
ajfa-4326	204	14	over	over	ADP
ajfa-4326	204	15	the	the	DET
ajfa-4326	204	16	period	period	NOUN
ajfa-4326	204	17	but	but	CCONJ
ajfa-4326	204	18	are	be	AUX
ajfa-4326	204	19	still	still	ADV
ajfa-4326	204	20	efficient	efficient	ADJ
ajfa-4326	204	21	compared	compare	VERB
ajfa-4326	204	22	to	to	ADP
ajfa-4326	204	23	other	other	ADJ
ajfa-4326	204	24	banks	bank	NOUN
ajfa-4326	204	25	.	.	PUNCT
ajfa-4326	205	1	gbl	gbl	ADJ
ajfa-4326	205	2	,	,	PUNCT
ajfa-4326	205	3	scbn	scbn	NOUN
ajfa-4326	205	4	,	,	PUNCT
ajfa-4326	205	5	and	and	CCONJ
ajfa-4326	205	6	gbl	gbl	PROPN
ajfa-4326	205	7	are	be	AUX
ajfa-4326	205	8	in	in	ADP
ajfa-4326	205	9	the	the	DET
ajfa-4326	205	10	industry	industry	NOUN
ajfa-4326	205	11	frontier	frontier	NOUN
ajfa-4326	205	12	till	till	SCONJ
ajfa-4326	205	13	2010/11	2010/11	NUM
ajfa-4326	205	14	but	but	CCONJ
ajfa-4326	205	15	witnessed	witness	VERB
ajfa-4326	205	16	slight	slight	ADJ
ajfa-4326	205	17	decline	decline	NOUN
ajfa-4326	205	18	in	in	ADP
ajfa-4326	205	19	efficiency	efficiency	NOUN
ajfa-4326	205	20	in	in	ADP
ajfa-4326	205	21	the	the	DET
ajfa-4326	205	22	year	year	NOUN
ajfa-4326	205	23	2011/12	2011/12	NUM
ajfa-4326	205	24	.	.	PUNCT
ajfa-4326	206	1	table	table	NOUN
ajfa-4326	206	2	7	7	NUM
ajfa-4326	206	3	.	.	PUNCT
ajfa-4326	206	4	efficiency	efficiency	NOUN
ajfa-4326	206	5	of	of	ADP
ajfa-4326	206	6	commercial	commercial	ADJ
ajfa-4326	206	7	banks	bank	NOUN
ajfa-4326	206	8	,	,	PUNCT
ajfa-4326	206	9	2007	2007	NUM
ajfa-4326	206	10	-	-	SYM
ajfa-4326	206	11	08	08	NUM
ajfa-4326	206	12	to	to	ADP
ajfa-4326	206	13	2011/12	2011/12	PROPN
ajfa-4326	206	14	(	(	PUNCT
ajfa-4326	206	15	crs	crs	PROPN
ajfa-4326	206	16	)	)	PUNCT
ajfa-4326	206	17	bank	bank	PROPN
ajfa-4326	206	18	code	code	PROPN
ajfa-4326	206	19	crs	crs	PROPN
ajfa-4326	206	20	vrs	vrs	PROPN
ajfa-4326	206	21	2007/08	2007/08	NUM
ajfa-4326	206	22	2008/09	2008/09	NUM
ajfa-4326	206	23	2009/10	2009/10	NUM
ajfa-4326	206	24	2010/11	2010/11	NUM
ajfa-4326	206	25	2011/12	2011/12	NUM
ajfa-4326	206	26	2007/08	2007/08	NUM
ajfa-4326	206	27	2008/09	2008/09	NUM
ajfa-4326	206	28	2009/10	2009/10	NUM
ajfa-4326	206	29	2010/11	2010/11	NUM
ajfa-4326	206	30	2011/12	2011/12	NUM
ajfa-4326	206	31	nabil	nabil	NOUN
ajfa-4326	206	32	1.000	1.000	NUM
ajfa-4326	206	33	1.000	1.000	NUM
ajfa-4326	206	34	1.000	1.000	NUM
ajfa-4326	206	35	1.000	1.000	NUM
ajfa-4326	206	36	1.000	1.000	NUM
ajfa-4326	206	37	1.000	1.000	NUM
ajfa-4326	206	38	1.000	1.000	NUM
ajfa-4326	206	39	1.000	1.000	NUM
ajfa-4326	206	40	1.000	1.000	NUM
ajfa-4326	206	41	1.000	1.000	NUM
ajfa-4326	206	42	nibl	nibl	NOUN
ajfa-4326	206	43	0.951	0.951	NUM
ajfa-4326	206	44	1.000	1.000	NUM
ajfa-4326	206	45	1.000	1.000	NUM
ajfa-4326	206	46	0.984	0.984	NUM
ajfa-4326	206	47	0.946	0.946	NUM
ajfa-4326	206	48	1.000	1.000	NUM
ajfa-4326	206	49	1.000	1.000	NUM
ajfa-4326	206	50	1.000	1.000	NUM
ajfa-4326	206	51	1.000	1.000	NUM
ajfa-4326	206	52	1.000	1.000	NUM
ajfa-4326	206	53	scbn	scbn	NOUN
ajfa-4326	206	54	1.000	1.000	NUM
ajfa-4326	206	55	1.000	1.000	NUM
ajfa-4326	206	56	1.000	1.000	NUM
ajfa-4326	206	57	1.000	1.000	NUM
ajfa-4326	206	58	0.963	0.963	NUM
ajfa-4326	206	59	1.000	1.000	NUM
ajfa-4326	206	60	1.000	1.000	NUM
ajfa-4326	206	61	1.000	1.000	NUM
ajfa-4326	206	62	1.000	1.000	NUM
ajfa-4326	206	63	0.970	0.970	NUM
ajfa-4326	206	64	hbl	hbl	NOUN
ajfa-4326	206	65	1.000	1.000	NUM
ajfa-4326	206	66	0.901	0.901	NUM
ajfa-4326	206	67	0.974	0.974	NUM
ajfa-4326	206	68	0.931	0.931	NUM
ajfa-4326	206	69	0.911	0.911	NUM
ajfa-4326	206	70	1.000	1.000	NUM
ajfa-4326	206	71	0.983	0.983	NUM
ajfa-4326	206	72	0.989	0.989	NUM
ajfa-4326	206	73	0.956	0.956	NUM
ajfa-4326	206	74	0.995	0.995	NUM
ajfa-4326	206	75	nsbi	nsbi	NOUN
ajfa-4326	206	76	1.000	1.000	NUM
ajfa-4326	206	77	1.000	1.000	NUM
ajfa-4326	206	78	1.000	1.000	NUM
ajfa-4326	206	79	1.000	1.000	NUM
ajfa-4326	206	80	1.000	1.000	NUM
ajfa-4326	206	81	1.000	1.000	NUM
ajfa-4326	206	82	1.000	1.000	NUM
ajfa-4326	206	83	1.000	1.000	NUM
ajfa-4326	206	84	1.000	1.000	NUM
ajfa-4326	206	85	1.000	1.000	NUM
ajfa-4326	206	86	nbbl	nbbl	NOUN
ajfa-4326	206	87	0.828	0.828	NUM
ajfa-4326	206	88	0.972	0.972	NUM
ajfa-4326	206	89	0.974	0.974	NUM
ajfa-4326	206	90	0.930	0.930	NUM
ajfa-4326	206	91	0.836	0.836	NUM
ajfa-4326	206	92	0.835	0.835	NUM
ajfa-4326	206	93	0.988	0.988	NUM
ajfa-4326	206	94	0.988	0.988	NUM
ajfa-4326	206	95	0.936	0.936	NUM
ajfa-4326	206	96	0.872	0.872	NUM
ajfa-4326	206	97	ebl	ebl	NOUN
ajfa-4326	206	98	1.000	1.000	NUM
ajfa-4326	206	99	1.000	1.000	NUM
ajfa-4326	206	100	1.000	1.000	NUM
ajfa-4326	206	101	1.000	1.000	NUM
ajfa-4326	206	102	1.000	1.000	NUM
ajfa-4326	206	103	1.000	1.000	NUM
ajfa-4326	206	104	1.000	1.000	NUM
ajfa-4326	206	105	1.000	1.000	NUM
ajfa-4326	206	106	1.000	1.000	NUM
ajfa-4326	206	107	1.000	1.000	NUM
ajfa-4326	206	108	bok	bok	NOUN
ajfa-4326	206	109	1.000	1.000	NUM
ajfa-4326	206	110	0.965	0.965	NUM
ajfa-4326	206	111	0.973	0.973	NUM
ajfa-4326	206	112	0.956	0.956	NUM
ajfa-4326	206	113	0.981	0.981	NUM
ajfa-4326	206	114	1.000	1.000	NUM
ajfa-4326	206	115	0.981	0.981	NUM
ajfa-4326	206	116	0.973	0.973	NUM
ajfa-4326	206	117	0.968	0.968	NUM
ajfa-4326	206	118	0.984	0.984	NUM
ajfa-4326	206	119	nccb	nccb	NOUN
ajfa-4326	206	120	0.882	0.882	NUM
ajfa-4326	206	121	0.867	0.867	NUM
ajfa-4326	206	122	0.849	0.849	NUM
ajfa-4326	206	123	0.891	0.891	NUM
ajfa-4326	206	124	0.939	0.939	NUM
ajfa-4326	206	125	0.951	0.951	NUM
ajfa-4326	206	126	0.895	0.895	NUM
ajfa-4326	206	127	0.861	0.861	NUM
ajfa-4326	206	128	0.891	0.891	NUM
ajfa-4326	206	129	0.955	0.955	NUM
ajfa-4326	206	130	nicb	nicb	NOUN
ajfa-4326	206	131	1.000	1.000	NUM
ajfa-4326	206	132	1.000	1.000	NUM
ajfa-4326	206	133	1.000	1.000	NUM
ajfa-4326	206	134	1.000	1.000	NUM
ajfa-4326	206	135	0.982	0.982	NUM
ajfa-4326	206	136	1.000	1.000	NUM
ajfa-4326	206	137	1.000	1.000	NUM
ajfa-4326	206	138	1.000	1.000	NUM
ajfa-4326	206	139	1.000	1.000	NUM
ajfa-4326	206	140	1.000	1.000	NUM
ajfa-4326	206	141	lbl	lbl	NOUN
ajfa-4326	206	142	1.000	1.000	NUM
ajfa-4326	206	143	1.000	1.000	NUM
ajfa-4326	206	144	1.000	1.000	NUM
ajfa-4326	206	145	1.000	1.000	NUM
ajfa-4326	206	146	1.000	1.000	NUM
ajfa-4326	206	147	1.000	1.000	NUM
ajfa-4326	206	148	1.000	1.000	NUM
ajfa-4326	206	149	1.000	1.000	NUM
ajfa-4326	206	150	1.000	1.000	NUM
ajfa-4326	206	151	1.000	1.000	NUM
ajfa-4326	206	152	mbl	mbl	NOUN
ajfa-4326	206	153	0.880	0.880	NUM
ajfa-4326	206	154	0.931	0.931	NUM
ajfa-4326	206	155	0.942	0.942	NUM
ajfa-4326	206	156	0.972	0.972	NUM
ajfa-4326	206	157	0.814	0.814	NUM
ajfa-4326	206	158	0.899	0.899	NUM
ajfa-4326	206	159	0.954	0.954	NUM
ajfa-4326	206	160	0.942	0.942	NUM
ajfa-4326	206	161	0.982	0.982	NUM
ajfa-4326	206	162	0.826	0.826	NUM
ajfa-4326	206	163	kbl	kbl	PROPN
ajfa-4326	206	164	1.000	1.000	NUM
ajfa-4326	206	165	1.000	1.000	NUM
ajfa-4326	206	166	0.993	0.993	NUM
ajfa-4326	206	167	0.991	0.991	NUM
ajfa-4326	206	168	0.890	0.890	NUM
ajfa-4326	206	169	1.000	1.000	NUM
ajfa-4326	206	170	1.000	1.000	NUM
ajfa-4326	206	171	1.000	1.000	NUM
ajfa-4326	206	172	1.000	1.000	NUM
ajfa-4326	206	173	0.910	0.910	NUM
ajfa-4326	206	174	laxbl	laxbl	NOUN
ajfa-4326	206	175	0.977	0.977	NUM
ajfa-4326	206	176	0.955	0.955	NUM
ajfa-4326	206	177	0.907	0.907	NUM
ajfa-4326	206	178	0.903	0.903	NUM
ajfa-4326	206	179	0.858	0.858	NUM
ajfa-4326	206	180	0.980	0.980	NUM
ajfa-4326	206	181	1.000	1.000	NUM
ajfa-4326	206	182	0.942	0.942	NUM
ajfa-4326	206	183	0.945	0.945	NUM
ajfa-4326	206	184	0.864	0.864	NUM
ajfa-4326	206	185	sbl	sbl	PROPN
ajfa-4326	206	186	1.000	1.000	NUM
ajfa-4326	206	187	0.929	0.929	NUM
ajfa-4326	206	188	1.000	1.000	NUM
ajfa-4326	206	189	1.000	1.000	NUM
ajfa-4326	206	190	0.995	0.995	NUM
ajfa-4326	206	191	1.000	1.000	NUM
ajfa-4326	206	192	0.938	0.938	NUM
ajfa-4326	206	193	1.000	1.000	NUM
ajfa-4326	206	194	1.000	1.000	NUM
ajfa-4326	206	195	1.000	1.000	NUM
ajfa-4326	206	196	gobl	gobl	NOUN
ajfa-4326	206	197	0.767	0.767	NUM
ajfa-4326	206	198	0.933	0.933	NUM
ajfa-4326	206	199	0.901	0.901	NUM
ajfa-4326	206	200	1.000	1.000	NUM
ajfa-4326	206	201	0.907	0.907	NUM
ajfa-4326	206	202	0.782	0.782	NUM
ajfa-4326	206	203	0.948	0.948	NUM
ajfa-4326	206	204	0.908	0.908	NUM
ajfa-4326	206	205	1.000	1.000	NUM
ajfa-4326	206	206	0.927	0.927	NUM
ajfa-4326	206	207	cbl	cbl	NOUN
ajfa-4326	206	208	0.950	0.950	NUM
ajfa-4326	206	209	0.840	0.840	NUM
ajfa-4326	206	210	0.979	0.979	NUM
ajfa-4326	206	211	1.000	1.000	NUM
ajfa-4326	206	212	0.916	0.916	NUM
ajfa-4326	206	213	1.000	1.000	NUM
ajfa-4326	206	214	0.988	0.988	NUM
ajfa-4326	206	215	1.000	1.000	NUM
ajfa-4326	206	216	1.000	1.000	NUM
ajfa-4326	206	217	1.000	1.000	NUM
ajfa-4326	206	218	pbl	pbl	NOUN
ajfa-4326	206	219	1.000	1.000	NUM
ajfa-4326	206	220	1.000	1.000	NUM
ajfa-4326	206	221	1.000	1.000	NUM
ajfa-4326	206	222	1.000	1.000	NUM
ajfa-4326	206	223	1.000	1.000	NUM
ajfa-4326	206	224	1.000	1.000	NUM
ajfa-4326	206	225	1.000	1.000	NUM
ajfa-4326	206	226	1.000	1.000	NUM
ajfa-4326	206	227	1.000	1.000	NUM
ajfa-4326	206	228	1.000	1.000	NUM
ajfa-4326	206	229	boa	boa	NOUN
ajfa-4326	206	230	1.000	1.000	NUM
ajfa-4326	206	231	1.000	1.000	NUM
ajfa-4326	206	232	1.000	1.000	NUM
ajfa-4326	206	233	1.000	1.000	NUM
ajfa-4326	206	234	0.982	0.982	NUM
ajfa-4326	206	235	1.000	1.000	NUM
ajfa-4326	206	236	1.000	1.000	NUM
ajfa-4326	206	237	1.000	1.000	NUM
ajfa-4326	206	238	1.000	1.000	NUM
ajfa-4326	206	239	0.983	0.983	NUM
ajfa-4326	206	240	sbl	sbl	NOUN
ajfa-4326	206	241	0.953	0.953	NUM
ajfa-4326	206	242	0.813	0.813	NUM
ajfa-4326	206	243	0.966	0.966	NUM
ajfa-4326	206	244	1.000	1.000	NUM
ajfa-4326	206	245	1.000	1.000	NUM
ajfa-4326	206	246	0.953	0.953	NUM
ajfa-4326	206	247	0.834	0.834	NUM
ajfa-4326	206	248	1.000	1.000	NUM
ajfa-4326	206	249	1.000	1.000	NUM
ajfa-4326	206	250	1.000	1.000	NUM
ajfa-4326	206	251	gbl	gbl	ADJ
ajfa-4326	206	252	1.000	1.000	NUM
ajfa-4326	206	253	1.000	1.000	NUM
ajfa-4326	206	254	1.000	1.000	NUM
ajfa-4326	206	255	1.000	1.000	NUM
ajfa-4326	206	256	0.970	0.970	NUM
ajfa-4326	206	257	1.000	1.000	NUM
ajfa-4326	206	258	1.000	1.000	NUM
ajfa-4326	206	259	1.000	1.000	NUM
ajfa-4326	206	260	1.000	1.000	NUM
ajfa-4326	206	261	0.978	0.978	NUM
ajfa-4326	206	262	nmb	nmb	NOUN
ajfa-4326	206	263	1.000	1.000	NUM
ajfa-4326	206	264	0.836	0.836	NUM
ajfa-4326	206	265	0.907	0.907	NUM
ajfa-4326	206	266	0.982	0.982	NUM
ajfa-4326	206	267	1.000	1.000	NUM
ajfa-4326	206	268	1.000	1.000	NUM
ajfa-4326	206	269	1.000	1.000	NUM
ajfa-4326	206	270	0.950	0.950	NUM
ajfa-4326	206	271	1.000	1.000	NUM
ajfa-4326	206	272	1.000	1.000	NUM
ajfa-4326	206	273	mean	mean	NOUN
ajfa-4326	207	1	0.963	0.963	NUM
ajfa-4326	207	2	0.952	0.952	NUM
ajfa-4326	207	3	0.971	0.971	NUM
ajfa-4326	207	4	0.979	0.979	NUM
ajfa-4326	207	5	0.950	0.950	NUM
ajfa-4326	207	6	0.973	0.973	NUM
ajfa-4326	207	7	0.978	0.978	NUM
ajfa-4326	207	8	0.980	0.980	NUM
ajfa-4326	207	9	0.985	0.985	NUM
ajfa-4326	207	10	0.967	0.967	NUM
ajfa-4326	207	11	the	the	DET
ajfa-4326	207	12	mean	mean	NOUN
ajfa-4326	208	1	is	be	AUX
ajfa-4326	208	2	the	the	DET
ajfa-4326	208	3	geometric	geometric	ADJ
ajfa-4326	208	4	mean	mean	NOUN
ajfa-4326	208	5	of	of	ADP
ajfa-4326	208	6	the	the	DET
ajfa-4326	208	7	efficiency	efficiency	NOUN
ajfa-4326	208	8	in	in	ADP
ajfa-4326	208	9	the	the	DET
ajfa-4326	208	10	particular	particular	ADJ
ajfa-4326	208	11	year	year	NOUN
ajfa-4326	208	12	.	.	PUNCT
ajfa-4326	209	1	the	the	DET
ajfa-4326	209	2	mean	mean	NOUN
ajfa-4326	209	3	shows	show	VERB
ajfa-4326	209	4	that	that	SCONJ
ajfa-4326	209	5	the	the	DET
ajfa-4326	209	6	efficiency	efficiency	NOUN
ajfa-4326	209	7	has	have	AUX
ajfa-4326	209	8	increased	increase	VERB
ajfa-4326	209	9	till	till	SCONJ
ajfa-4326	209	10	2010/11	2010/11	NUM
ajfa-4326	209	11	,	,	PUNCT
ajfa-4326	209	12	however	however	ADV
ajfa-4326	209	13	,	,	PUNCT
ajfa-4326	209	14	2011/12	2011/12	NUM
ajfa-4326	209	15	witnessed	witness	VERB
ajfa-4326	209	16	decline	decline	NOUN
ajfa-4326	209	17	in	in	ADP
ajfa-4326	209	18	the	the	DET
ajfa-4326	209	19	efficiency	efficiency	NOUN
ajfa-4326	209	20	.	.	PUNCT
ajfa-4326	210	1	in	in	ADP
ajfa-4326	210	2	fact	fact	NOUN
ajfa-4326	210	3	,	,	PUNCT
ajfa-4326	210	4	the	the	DET
ajfa-4326	210	5	efficiency	efficiency	NOUN
ajfa-4326	210	6	is	be	AUX
ajfa-4326	210	7	lowest	low	ADJ
ajfa-4326	210	8	in	in	ADP
ajfa-4326	210	9	2011/12	2011/12	PROPN
ajfa-4326	210	10	compared	compare	VERB
ajfa-4326	210	11	to	to	ADP
ajfa-4326	210	12	other	other	ADJ
ajfa-4326	210	13	years	year	NOUN
ajfa-4326	210	14	.	.	PUNCT
ajfa-4326	211	1	this	this	PRON
ajfa-4326	211	2	shows	show	VERB
ajfa-4326	211	3	that	that	SCONJ
ajfa-4326	211	4	the	the	DET
ajfa-4326	211	5	performance	performance	NOUN
ajfa-4326	211	6	of	of	ADP
ajfa-4326	211	7	commercial	commercial	ADJ
ajfa-4326	211	8	banks	bank	NOUN
ajfa-4326	211	9	was	be	AUX
ajfa-4326	211	10	not	not	PART
ajfa-4326	211	11	satisfactory	satisfactory	ADJ
ajfa-4326	211	12	compared	compare	VERB
ajfa-4326	211	13	to	to	ADP
ajfa-4326	211	14	previous	previous	ADJ
ajfa-4326	211	15	years	year	NOUN
ajfa-4326	211	16	in	in	ADP
ajfa-4326	211	17	2012	2012	NUM
ajfa-4326	211	18	which	which	PRON
ajfa-4326	211	19	can	can	AUX
ajfa-4326	211	20	be	be	AUX
ajfa-4326	211	21	attributed	attribute	VERB
ajfa-4326	211	22	to	to	ADP
ajfa-4326	211	23	various	various	ADJ
ajfa-4326	211	24	externalities	externality	NOUN
ajfa-4326	211	25	such	such	ADJ
ajfa-4326	211	26	as	as	ADP
ajfa-4326	211	27	adverse	adverse	ADJ
ajfa-4326	211	28	political	political	ADJ
ajfa-4326	211	29	situation	situation	NOUN
ajfa-4326	211	30	,	,	PUNCT
ajfa-4326	211	31	liquidity	liquidity	NOUN
ajfa-4326	211	32	crunch	crunch	NOUN
ajfa-4326	211	33	,	,	PUNCT
ajfa-4326	211	34	tight	tight	ADJ
ajfa-4326	211	35	regulatory	regulatory	ADJ
ajfa-4326	211	36	measures	measure	NOUN
ajfa-4326	211	37	by	by	ADP
ajfa-4326	211	38	nrb	nrb	NOUN
ajfa-4326	211	39	among	among	ADP
ajfa-4326	211	40	others	other	NOUN
ajfa-4326	211	41	.	.	PUNCT
ajfa-4326	212	1	it	it	PRON
ajfa-4326	212	2	can	can	AUX
ajfa-4326	212	3	also	also	ADV
ajfa-4326	212	4	be	be	AUX
ajfa-4326	212	5	seen	see	VERB
ajfa-4326	212	6	that	that	SCONJ
ajfa-4326	212	7	7	7	NUM
ajfa-4326	212	8	out	out	ADP
ajfa-4326	212	9	of	of	ADP
ajfa-4326	212	10	22	22	NUM
ajfa-4326	212	11	commercial	commercial	ADJ
ajfa-4326	212	12	banks	bank	NOUN
ajfa-4326	212	13	were	be	AUX
ajfa-4326	212	14	in	in	ADP
ajfa-4326	212	15	industry	industry	NOUN
ajfa-4326	212	16	frontier	frontier	NOUN
ajfa-4326	212	17	(	(	PUNCT
ajfa-4326	212	18	crs	crs	PROPN
ajfa-4326	212	19	)	)	PUNCT
ajfa-4326	212	20	in	in	ADP
ajfa-4326	212	21	2011/12	2011/12	NUM
ajfa-4326	212	22	compared	compare	VERB
ajfa-4326	212	23	to	to	ADP
ajfa-4326	212	24	13	13	NUM
ajfa-4326	212	25	out	out	ADP
ajfa-4326	212	26	of	of	ADP
ajfa-4326	212	27	22	22	NUM
ajfa-4326	212	28	in	in	ADP
ajfa-4326	212	29	2010/11	2010/11	NUM
ajfa-4326	212	30	(	(	PUNCT
ajfa-4326	212	31	crs	crs	PROPN
ajfa-4326	212	32	)	)	PUNCT
ajfa-4326	212	33	.	.	PUNCT
ajfa-4326	213	1	asian	asian	ADJ
ajfa-4326	213	2	journal	journal	PROPN
ajfa-4326	213	3	of	of	ADP
ajfa-4326	213	4	finance	finance	PROPN
ajfa-4326	213	5	&	&	CCONJ
ajfa-4326	213	6	accounting	accounting	PROPN
ajfa-4326	213	7	issn	issn	PROPN
ajfa-4326	213	8	1946	1946	NUM
ajfa-4326	213	9	-	-	PUNCT
ajfa-4326	213	10	052x	052x	NOUN
ajfa-4326	213	11	2013	2013	NUM
ajfa-4326	213	12	,	,	PUNCT
ajfa-4326	213	13	vol	vol	NOUN
ajfa-4326	213	14	.	.	PROPN
ajfa-4326	213	15	5	5	NUM
ajfa-4326	213	16	,	,	PUNCT
ajfa-4326	213	17	no	no	INTJ
ajfa-4326	213	18	.	.	NOUN
ajfa-4326	213	19	2	2	NUM
ajfa-4326	213	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	213	21	232	232	NUM
ajfa-4326	213	22	table	table	NOUN
ajfa-4326	213	23	8	8	NUM
ajfa-4326	213	24	reports	report	VERB
ajfa-4326	213	25	the	the	DET
ajfa-4326	213	26	malmquist	malmquist	NOUN
ajfa-4326	213	27	productivity	productivity	NOUN
ajfa-4326	213	28	changes	change	NOUN
ajfa-4326	213	29	(	(	PUNCT
ajfa-4326	213	30	tfpch	tfpch	NOUN
ajfa-4326	213	31	)	)	PUNCT
ajfa-4326	213	32	over	over	ADP
ajfa-4326	213	33	two	two	NUM
ajfa-4326	213	34	years	year	NOUN
ajfa-4326	213	35	and	and	CCONJ
ajfa-4326	213	36	table	table	NOUN
ajfa-4326	213	37	9	9	NUM
ajfa-4326	213	38	and	and	CCONJ
ajfa-4326	213	39	table	table	NOUN
ajfa-4326	213	40	10	10	NUM
ajfa-4326	213	41	presents	present	VERB
ajfa-4326	213	42	the	the	DET
ajfa-4326	213	43	two	two	NUM
ajfa-4326	213	44	components	component	NOUN
ajfa-4326	213	45	of	of	ADP
ajfa-4326	213	46	productivity	productivity	NOUN
ajfa-4326	213	47	change	change	NOUN
ajfa-4326	213	48	.	.	PUNCT
ajfa-4326	214	1	the	the	DET
ajfa-4326	214	2	table	table	NOUN
ajfa-4326	214	3	shows	show	VERB
ajfa-4326	214	4	that	that	SCONJ
ajfa-4326	214	5	on	on	ADP
ajfa-4326	214	6	average	average	ADJ
ajfa-4326	214	7	nsbi	nsbi	NOUN
ajfa-4326	214	8	witnessed	witness	VERB
ajfa-4326	214	9	22.6	22.6	NUM
ajfa-4326	214	10	%	%	NOUN
ajfa-4326	214	11	growth	growth	NOUN
ajfa-4326	214	12	in	in	ADP
ajfa-4326	214	13	its	its	PRON
ajfa-4326	214	14	productivity	productivity	NOUN
ajfa-4326	214	15	over	over	ADP
ajfa-4326	214	16	5	5	NUM
ajfa-4326	214	17	years	year	NOUN
ajfa-4326	214	18	.	.	PUNCT
ajfa-4326	215	1	the	the	DET
ajfa-4326	215	2	highest	high	ADJ
ajfa-4326	215	3	growth	growth	NOUN
ajfa-4326	215	4	achievers	achiever	NOUN
ajfa-4326	215	5	were	be	AUX
ajfa-4326	215	6	ebl	ebl	PROPN
ajfa-4326	215	7	,	,	PUNCT
ajfa-4326	215	8	nibl	nibl	PROPN
ajfa-4326	215	9	,	,	PUNCT
ajfa-4326	215	10	nabil	nabil	PROPN
ajfa-4326	215	11	,	,	PUNCT
ajfa-4326	215	12	sbl	sbl	PROPN
ajfa-4326	215	13	,	,	PUNCT
ajfa-4326	215	14	lbl	lbl	PROPN
ajfa-4326	215	15	and	and	CCONJ
ajfa-4326	215	16	cbl	cbl	PROPN
ajfa-4326	215	17	,	,	PUNCT
ajfa-4326	215	18	all	all	PRON
ajfa-4326	215	19	with	with	ADP
ajfa-4326	215	20	double	double	ADJ
ajfa-4326	215	21	digit	digit	NOUN
ajfa-4326	215	22	growth	growth	NOUN
ajfa-4326	215	23	.	.	PUNCT
ajfa-4326	216	1	nicb	nicb	PROPN
ajfa-4326	216	2	,	,	PUNCT
ajfa-4326	216	3	gbl	gbl	PROPN
ajfa-4326	216	4	and	and	CCONJ
ajfa-4326	216	5	nmb	nmb	PROPN
ajfa-4326	216	6	witnessed	witness	VERB
ajfa-4326	216	7	decline	decline	NOUN
ajfa-4326	216	8	in	in	ADP
ajfa-4326	216	9	productivity	productivity	NOUN
ajfa-4326	216	10	.	.	PUNCT
ajfa-4326	217	1	overall	overall	ADV
ajfa-4326	217	2	,	,	PUNCT
ajfa-4326	217	3	the	the	DET
ajfa-4326	217	4	mean	mean	ADJ
ajfa-4326	217	5	growth	growth	NOUN
ajfa-4326	217	6	rate	rate	NOUN
ajfa-4326	217	7	of	of	ADP
ajfa-4326	217	8	the	the	DET
ajfa-4326	217	9	industry	industry	NOUN
ajfa-4326	217	10	is	be	AUX
ajfa-4326	217	11	around	around	ADV
ajfa-4326	217	12	5.6	5.6	NUM
ajfa-4326	217	13	%	%	NOUN
ajfa-4326	217	14	for	for	ADP
ajfa-4326	217	15	the	the	DET
ajfa-4326	217	16	year	year	NOUN
ajfa-4326	217	17	2007/08	2007/08	NUM
ajfa-4326	217	18	to	to	ADP
ajfa-4326	217	19	2011/12	2011/12	NUM
ajfa-4326	217	20	;	;	PUNCT
ajfa-4326	217	21	however	however	ADV
ajfa-4326	217	22	,	,	PUNCT
ajfa-4326	217	23	the	the	DET
ajfa-4326	217	24	productivity	productivity	NOUN
ajfa-4326	217	25	change	change	NOUN
ajfa-4326	217	26	has	have	AUX
ajfa-4326	217	27	declined	decline	VERB
ajfa-4326	217	28	largely	largely	ADV
ajfa-4326	217	29	in	in	ADP
ajfa-4326	217	30	the	the	DET
ajfa-4326	217	31	year	year	NOUN
ajfa-4326	217	32	2011/12	2011/12	NUM
ajfa-4326	217	33	.	.	PUNCT
ajfa-4326	218	1	the	the	DET
ajfa-4326	218	2	productivity	productivity	NOUN
ajfa-4326	218	3	change	change	NOUN
ajfa-4326	218	4	can	can	AUX
ajfa-4326	218	5	be	be	AUX
ajfa-4326	218	6	further	far	ADV
ajfa-4326	218	7	decomposed	decompose	VERB
ajfa-4326	218	8	into	into	ADP
ajfa-4326	218	9	technical	technical	ADJ
ajfa-4326	218	10	change	change	NOUN
ajfa-4326	218	11	and	and	CCONJ
ajfa-4326	218	12	efficiency	efficiency	NOUN
ajfa-4326	218	13	change	change	NOUN
ajfa-4326	218	14	as	as	SCONJ
ajfa-4326	218	15	shown	show	VERB
ajfa-4326	218	16	in	in	ADP
ajfa-4326	218	17	table	table	NOUN
ajfa-4326	218	18	9	9	NUM
ajfa-4326	218	19	and	and	CCONJ
ajfa-4326	218	20	table	table	NOUN
ajfa-4326	218	21	10	10	NUM
ajfa-4326	218	22	respectively	respectively	ADV
ajfa-4326	218	23	.	.	PUNCT
ajfa-4326	219	1	table	table	NOUN
ajfa-4326	219	2	8	8	NUM
ajfa-4326	219	3	.	.	PUNCT
ajfa-4326	220	1	bank	bank	NOUN
ajfa-4326	220	2	’s	’s	PART
ajfa-4326	220	3	relative	relative	PROPN
ajfa-4326	220	4	malmquist	malmquist	PROPN
ajfa-4326	220	5	productivity	productivity	NOUN
ajfa-4326	220	6	change	change	NOUN
ajfa-4326	220	7	(	(	PUNCT
ajfa-4326	220	8	tfpch	tfpch	NOUN
ajfa-4326	220	9	)	)	PUNCT
ajfa-4326	220	10	between	between	ADP
ajfa-4326	220	11	time	time	NOUN
ajfa-4326	220	12	period	period	NOUN
ajfa-4326	220	13	t	t	PROPN
ajfa-4326	220	14	and	and	CCONJ
ajfa-4326	220	15	t+1	t+1	PROPN
ajfa-4326	220	16	,	,	PUNCT
ajfa-4326	220	17	2007/08	2007/08	NUM
ajfa-4326	220	18	to	to	PART
ajfa-4326	220	19	20011/12	20011/12	NUM
ajfa-4326	220	20	bank	bank	PROPN
ajfa-4326	220	21	code	code	NOUN
ajfa-4326	220	22	2007/08	2007/08	NUM
ajfa-4326	220	23	2008/09	2008/09	NUM
ajfa-4326	220	24	2008/09	2008/09	NUM
ajfa-4326	220	25	-	-	SYM
ajfa-4326	220	26	2009/10	2009/10	NUM
ajfa-4326	220	27	2009/10	2009/10	NUM
ajfa-4326	220	28	-	-	SYM
ajfa-4326	220	29	2010/11	2010/11	NUM
ajfa-4326	220	30	2010/11	2010/11	NUM
ajfa-4326	220	31	-	-	SYM
ajfa-4326	220	32	2011/12	2011/12	NUM
ajfa-4326	220	33	mean	mean	NOUN
ajfa-4326	220	34	nabil	nabil	NOUN
ajfa-4326	220	35	1.225	1.225	NUM
ajfa-4326	220	36	1.236	1.236	NUM
ajfa-4326	220	37	1.193	1.193	NUM
ajfa-4326	220	38	1.084	1.084	NUM
ajfa-4326	220	39	1.1845	1.1845	NUM
ajfa-4326	220	40	nibl	nibl	NOUN
ajfa-4326	220	41	1.253	1.253	NUM
ajfa-4326	220	42	1.208	1.208	NUM
ajfa-4326	220	43	1.073	1.073	NUM
ajfa-4326	220	44	0.939	0.939	NUM
ajfa-4326	220	45	1.1183	1.1183	NUM
ajfa-4326	220	46	scbn	scbn	NOUN
ajfa-4326	220	47	1.161	1.161	NUM
ajfa-4326	220	48	1.111	1.111	NUM
ajfa-4326	220	49	0.855	0.855	NUM
ajfa-4326	220	50	0.935	0.935	NUM
ajfa-4326	220	51	1.0155	1.0155	NUM
ajfa-4326	220	52	hbl	hbl	NOUN
ajfa-4326	220	53	0.995	0.995	NUM
ajfa-4326	220	54	1.154	1.154	NUM
ajfa-4326	220	55	1.030	1.030	NUM
ajfa-4326	220	56	0.953	0.953	NUM
ajfa-4326	220	57	1.0330	1.0330	NUM
ajfa-4326	220	58	nsbi	nsbi	NOUN
ajfa-4326	220	59	1.542	1.542	NUM
ajfa-4326	220	60	1.109	1.109	NUM
ajfa-4326	220	61	1.122	1.122	NUM
ajfa-4326	220	62	1.130	1.130	NUM
ajfa-4326	220	63	1.2258	1.2258	NUM
ajfa-4326	220	64	nbbl	nbbl	NOUN
ajfa-4326	220	65	1.355	1.355	NUM
ajfa-4326	220	66	1.040	1.040	NUM
ajfa-4326	220	67	0.987	0.987	NUM
ajfa-4326	220	68	0.814	0.814	NUM
ajfa-4326	220	69	1.0490	1.0490	NUM
ajfa-4326	220	70	ebl	ebl	NOUN
ajfa-4326	220	71	1.222	1.222	NUM
ajfa-4326	220	72	1.394	1.394	NUM
ajfa-4326	220	73	1.213	1.213	NUM
ajfa-4326	220	74	0.987	0.987	NUM
ajfa-4326	220	75	1.2040	1.2040	NUM
ajfa-4326	220	76	bok	bok	NOUN
ajfa-4326	220	77	1.140	1.140	NUM
ajfa-4326	220	78	1.168	1.168	NUM
ajfa-4326	220	79	1.039	1.039	NUM
ajfa-4326	220	80	0.964	0.964	NUM
ajfa-4326	220	81	1.0778	1.0778	NUM
ajfa-4326	220	82	nccb	nccb	NOUN
ajfa-4326	220	83	1.033	1.033	NUM
ajfa-4326	220	84	1.002	1.002	NUM
ajfa-4326	220	85	1.090	1.090	NUM
ajfa-4326	220	86	0.939	0.939	NUM
ajfa-4326	220	87	1.0160	1.0160	NUM
ajfa-4326	220	88	nicb	nicb	NOUN
ajfa-4326	220	89	0.960	0.960	NUM
ajfa-4326	220	90	0.987	0.987	NUM
ajfa-4326	220	91	1.020	1.020	NUM
ajfa-4326	220	92	0.881	0.881	NUM
ajfa-4326	220	93	0.9620	0.9620	NUM
ajfa-4326	220	94	lbl	lbl	PROPN
ajfa-4326	220	95	1.152	1.152	NUM
ajfa-4326	220	96	1.629	1.629	NUM
ajfa-4326	220	97	0.684	0.684	NUM
ajfa-4326	220	98	0.918	0.918	NUM
ajfa-4326	220	99	1.0958	1.0958	NUM
ajfa-4326	220	100	mbl	mbl	NOUN
ajfa-4326	220	101	1.090	1.090	NUM
ajfa-4326	220	102	1.095	1.095	NUM
ajfa-4326	220	103	1.097	1.097	NUM
ajfa-4326	220	104	0.860	0.860	NUM
ajfa-4326	220	105	1.0355	1.0355	NUM
ajfa-4326	220	106	kbl	kbl	PROPN
ajfa-4326	220	107	1.223	1.223	NUM
ajfa-4326	220	108	1.219	1.219	NUM
ajfa-4326	220	109	1.033	1.033	NUM
ajfa-4326	220	110	0.869	0.869	NUM
ajfa-4326	220	111	1.0860	1.0860	NUM
ajfa-4326	220	112	laxbl	laxbl	NOUN
ajfa-4326	220	113	1.056	1.056	NUM
ajfa-4326	220	114	1.057	1.057	NUM
ajfa-4326	220	115	1.024	1.024	NUM
ajfa-4326	220	116	0.870	0.870	NUM
ajfa-4326	220	117	1.0018	1.0018	NUM
ajfa-4326	220	118	sbl	sbl	PROPN
ajfa-4326	220	119	1.012	1.012	NUM
ajfa-4326	220	120	1.335	1.335	NUM
ajfa-4326	220	121	1.129	1.129	NUM
ajfa-4326	220	122	0.965	0.965	NUM
ajfa-4326	220	123	1.1103	1.1103	NUM
ajfa-4326	220	124	gobl	gobl	NOUN
ajfa-4326	220	125	1.220	1.220	NUM
ajfa-4326	220	126	1.094	1.094	NUM
ajfa-4326	220	127	1.133	1.133	NUM
ajfa-4326	220	128	0.836	0.836	NUM
ajfa-4326	220	129	1.0708	1.0708	NUM
ajfa-4326	220	130	cbl	cbl	NOUN
ajfa-4326	220	131	1.064	1.064	NUM
ajfa-4326	220	132	1.448	1.448	NUM
ajfa-4326	220	133	1.070	1.070	NUM
ajfa-4326	220	134	0.885	0.885	NUM
ajfa-4326	220	135	1.1168	1.1168	NUM
ajfa-4326	220	136	pbl	pbl	NOUN
ajfa-4326	220	137	1.084	1.084	NUM
ajfa-4326	220	138	1.211	1.211	NUM
ajfa-4326	220	139	1.271	1.271	NUM
ajfa-4326	220	140	0.738	0.738	NUM
ajfa-4326	220	141	1.0760	1.0760	NUM
ajfa-4326	220	142	boa	boa	NOUN
ajfa-4326	220	143	1.226	1.226	NUM
ajfa-4326	220	144	1.119	1.119	NUM
ajfa-4326	220	145	0.989	0.989	NUM
ajfa-4326	220	146	0.893	0.893	NUM
ajfa-4326	220	147	1.0568	1.0568	NUM
ajfa-4326	220	148	sbl	sbl	NOUN
ajfa-4326	220	149	0.812	0.812	NUM
ajfa-4326	220	150	1.295	1.295	NUM
ajfa-4326	220	151	1.103	1.103	NUM
ajfa-4326	220	152	0.985	0.985	NUM
ajfa-4326	220	153	1.0488	1.0488	NUM
ajfa-4326	220	154	gbl	gbl	NOUN
ajfa-4326	220	155	0.861	0.861	NUM
ajfa-4326	220	156	0.995	0.995	NUM
ajfa-4326	220	157	1.052	1.052	NUM
ajfa-4326	220	158	0.839	0.839	NUM
ajfa-4326	220	159	0.9368	0.9368	NUM
ajfa-4326	220	160	nmb	nmb	NOUN
ajfa-4326	220	161	0.637	0.637	NUM
ajfa-4326	220	162	1.071	1.071	NUM
ajfa-4326	220	163	1.098	1.098	NUM
ajfa-4326	220	164	0.882	0.882	NUM
ajfa-4326	220	165	0.9220	0.9220	NUM
ajfa-4326	220	166	mean	mean	NOUN
ajfa-4326	220	167	1.088	1.088	NUM
ajfa-4326	220	168	1.171	1.171	NUM
ajfa-4326	220	169	1.052	1.052	NUM
ajfa-4326	220	170	0.913	0.913	NUM
ajfa-4326	220	171	1.0560	1.0560	NUM
ajfa-4326	220	172	table	table	NOUN
ajfa-4326	220	173	9	9	NUM
ajfa-4326	220	174	presents	present	VERB
ajfa-4326	220	175	the	the	DET
ajfa-4326	220	176	index	index	NOUN
ajfa-4326	220	177	values	value	NOUN
ajfa-4326	220	178	of	of	ADP
ajfa-4326	220	179	technical	technical	ADJ
ajfa-4326	220	180	change	change	NOUN
ajfa-4326	220	181	(	(	PUNCT
ajfa-4326	220	182	regress	regress	NOUN
ajfa-4326	220	183	/	/	SYM
ajfa-4326	220	184	progress	progress	NOUN
ajfa-4326	220	185	)	)	PUNCT
ajfa-4326	220	186	as	as	SCONJ
ajfa-4326	220	187	measured	measure	VERB
ajfa-4326	220	188	by	by	ADP
ajfa-4326	220	189	average	average	ADJ
ajfa-4326	220	190	shifts	shift	NOUN
ajfa-4326	220	191	in	in	ADP
ajfa-4326	220	192	the	the	DET
ajfa-4326	220	193	best	good	ADJ
ajfa-4326	220	194	practice	practice	NOUN
ajfa-4326	220	195	frontier	frontier	NOUN
ajfa-4326	220	196	.	.	PUNCT
ajfa-4326	221	1	the	the	DET
ajfa-4326	221	2	table	table	NOUN
ajfa-4326	221	3	shows	show	VERB
ajfa-4326	221	4	that	that	SCONJ
ajfa-4326	221	5	only	only	ADV
ajfa-4326	221	6	nabil	nabil	NOUN
ajfa-4326	221	7	,	,	PUNCT
ajfa-4326	221	8	nsbi	nsbi	NOUN
ajfa-4326	221	9	and	and	CCONJ
ajfa-4326	221	10	mbl	mbl	NOUN
ajfa-4326	221	11	experienced	experience	VERB
ajfa-4326	221	12	technical	technical	ADJ
ajfa-4326	221	13	progress	progress	NOUN
ajfa-4326	221	14	from	from	ADP
ajfa-4326	221	15	2007/08	2007/08	NUM
ajfa-4326	221	16	to	to	ADP
ajfa-4326	221	17	2010/12	2010/12	NUM
ajfa-4326	221	18	while	while	SCONJ
ajfa-4326	221	19	others	other	NOUN
ajfa-4326	221	20	experienced	experience	VERB
ajfa-4326	221	21	both	both	DET
ajfa-4326	221	22	technical	technical	ADJ
ajfa-4326	221	23	progress	progress	NOUN
ajfa-4326	221	24	and	and	CCONJ
ajfa-4326	221	25	regress	regress	NOUN
ajfa-4326	221	26	in	in	ADP
ajfa-4326	221	27	some	some	DET
ajfa-4326	221	28	years	year	NOUN
ajfa-4326	221	29	.	.	PUNCT
ajfa-4326	222	1	nicb	nicb	PROPN
ajfa-4326	222	2	,	,	PUNCT
ajfa-4326	222	3	gbl	gbl	PROPN
ajfa-4326	222	4	and	and	CCONJ
ajfa-4326	222	5	nmb	nmb	PROPN
ajfa-4326	222	6	witnessed	witness	VERB
ajfa-4326	222	7	technical	technical	ADJ
ajfa-4326	222	8	regress	regress	NOUN
ajfa-4326	222	9	where	where	SCONJ
ajfa-4326	222	10	as	as	SCONJ
ajfa-4326	222	11	nsbi	nsbi	NOUN
ajfa-4326	222	12	recorded	record	VERB
ajfa-4326	222	13	highest	high	ADJ
ajfa-4326	222	14	technical	technical	ADJ
ajfa-4326	222	15	progress	progress	NOUN
ajfa-4326	222	16	followed	follow	VERB
ajfa-4326	222	17	by	by	ADP
ajfa-4326	222	18	ebl	ebl	PROPN
ajfa-4326	222	19	,	,	PUNCT
ajfa-4326	222	20	nabil	nabil	PROPN
ajfa-4326	222	21	,	,	PUNCT
ajfa-4326	222	22	nibl	nibl	PROPN
ajfa-4326	222	23	,	,	PUNCT
ajfa-4326	222	24	cbl	cbl	PROPN
ajfa-4326	222	25	,	,	PUNCT
ajfa-4326	222	26	sbl	sbl	PROPN
ajfa-4326	222	27	,	,	PUNCT
ajfa-4326	222	28	laxbl	laxbl	NOUN
ajfa-4326	222	29	,	,	PUNCT
ajfa-4326	222	30	and	and	CCONJ
ajfa-4326	222	31	lbl	lbl	PROPN
ajfa-4326	222	32	(	(	PUNCT
ajfa-4326	222	33	with	with	ADP
ajfa-4326	222	34	double	double	ADJ
ajfa-4326	222	35	digit	digit	NOUN
ajfa-4326	222	36	technical	technical	ADJ
ajfa-4326	222	37	progress	progress	NOUN
ajfa-4326	222	38	)	)	PUNCT
ajfa-4326	222	39	.	.	PUNCT
ajfa-4326	223	1	4	4	NUM
ajfa-4326	223	2	out	out	ADP
ajfa-4326	223	3	of	of	ADP
ajfa-4326	223	4	22	22	NUM
ajfa-4326	223	5	(	(	PUNCT
ajfa-4326	223	6	in	in	ADP
ajfa-4326	223	7	2007/08	2007/08	NUM
ajfa-4326	223	8	-	-	SYM
ajfa-4326	223	9	09	09	NUM
ajfa-4326	223	10	)	)	PUNCT
ajfa-4326	223	11	,	,	PUNCT
ajfa-4326	223	12	3	3	NUM
ajfa-4326	223	13	out	out	ADP
ajfa-4326	223	14	of	of	ADP
ajfa-4326	223	15	22	22	NUM
ajfa-4326	223	16	(	(	PUNCT
ajfa-4326	223	17	2008/09	2008/09	NUM
ajfa-4326	223	18	-	-	SYM
ajfa-4326	223	19	10	10	NUM
ajfa-4326	223	20	)	)	PUNCT
ajfa-4326	223	21	,	,	PUNCT
ajfa-4326	223	22	2	2	NUM
ajfa-4326	223	23	out	out	ADP
ajfa-4326	223	24	of	of	ADP
ajfa-4326	223	25	22	22	NUM
ajfa-4326	223	26	(	(	PUNCT
ajfa-4326	223	27	in	in	ADP
ajfa-4326	223	28	2009/10	2009/10	NUM
ajfa-4326	223	29	-	-	SYM
ajfa-4326	223	30	11	11	NUM
ajfa-4326	223	31	)	)	PUNCT
ajfa-4326	223	32	,	,	PUNCT
ajfa-4326	223	33	and	and	CCONJ
ajfa-4326	223	34	19	19	NUM
ajfa-4326	223	35	out	out	ADP
ajfa-4326	223	36	of	of	ADP
ajfa-4326	223	37	22	22	NUM
ajfa-4326	223	38	(	(	PUNCT
ajfa-4326	223	39	in	in	ADP
ajfa-4326	223	40	asian	asian	ADJ
ajfa-4326	223	41	journal	journal	NOUN
ajfa-4326	223	42	of	of	ADP
ajfa-4326	223	43	finance	finance	PROPN
ajfa-4326	223	44	&	&	CCONJ
ajfa-4326	223	45	accounting	accounting	PROPN
ajfa-4326	223	46	issn	issn	PROPN
ajfa-4326	223	47	1946	1946	NUM
ajfa-4326	223	48	-	-	PUNCT
ajfa-4326	223	49	052x	052x	NOUN
ajfa-4326	223	50	2013	2013	NUM
ajfa-4326	223	51	,	,	PUNCT
ajfa-4326	223	52	vol	vol	NOUN
ajfa-4326	223	53	.	.	PROPN
ajfa-4326	224	1	5	5	NUM
ajfa-4326	224	2	,	,	PUNCT
ajfa-4326	224	3	no	no	INTJ
ajfa-4326	224	4	.	.	NOUN
ajfa-4326	224	5	2	2	NUM
ajfa-4326	224	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	224	7	233	233	NUM
ajfa-4326	224	8	2010/11	2010/11	NUM
ajfa-4326	224	9	-	-	SYM
ajfa-4326	224	10	12	12	NUM
ajfa-4326	224	11	)	)	PUNCT
ajfa-4326	224	12	witnessed	witness	VERB
ajfa-4326	224	13	technical	technical	ADJ
ajfa-4326	224	14	regress	regress	NOUN
ajfa-4326	224	15	.	.	PUNCT
ajfa-4326	225	1	overall	overall	ADV
ajfa-4326	225	2	,	,	PUNCT
ajfa-4326	225	3	the	the	DET
ajfa-4326	225	4	geometric	geometric	ADJ
ajfa-4326	225	5	mean	mean	NOUN
ajfa-4326	225	6	suggests	suggest	VERB
ajfa-4326	225	7	that	that	SCONJ
ajfa-4326	225	8	the	the	DET
ajfa-4326	225	9	industry	industry	NOUN
ajfa-4326	225	10	saw	see	VERB
ajfa-4326	225	11	technical	technical	ADJ
ajfa-4326	225	12	progress	progress	NOUN
ajfa-4326	225	13	with	with	ADP
ajfa-4326	225	14	technical	technical	ADJ
ajfa-4326	225	15	change	change	NOUN
ajfa-4326	225	16	of	of	ADP
ajfa-4326	225	17	5.8	5.8	NUM
ajfa-4326	225	18	%	%	NOUN
ajfa-4326	225	19	;	;	PUNCT
ajfa-4326	225	20	however	however	ADV
ajfa-4326	225	21	,	,	PUNCT
ajfa-4326	225	22	there	there	PRON
ajfa-4326	225	23	was	be	VERB
ajfa-4326	225	24	technical	technical	ADJ
ajfa-4326	225	25	regress	regress	NOUN
ajfa-4326	225	26	in	in	ADP
ajfa-4326	225	27	the	the	DET
ajfa-4326	225	28	year	year	NOUN
ajfa-4326	225	29	2011/12	2011/12	NUM
ajfa-4326	225	30	.	.	PUNCT
ajfa-4326	226	1	table	table	NOUN
ajfa-4326	226	2	9	9	NUM
ajfa-4326	226	3	.	.	PUNCT
ajfa-4326	227	1	bank	bank	NOUN
ajfa-4326	227	2	’s	’s	PART
ajfa-4326	227	3	relative	relative	ADJ
ajfa-4326	227	4	technical	technical	ADJ
ajfa-4326	227	5	change	change	NOUN
ajfa-4326	227	6	(	(	PUNCT
ajfa-4326	227	7	techch	techch	NOUN
ajfa-4326	227	8	)	)	PUNCT
ajfa-4326	227	9	between	between	ADP
ajfa-4326	227	10	time	time	NOUN
ajfa-4326	227	11	period	period	NOUN
ajfa-4326	227	12	t	t	PROPN
ajfa-4326	227	13	and	and	CCONJ
ajfa-4326	227	14	t+1	t+1	PROPN
ajfa-4326	227	15	,	,	PUNCT
ajfa-4326	227	16	2007/08	2007/08	NUM
ajfa-4326	227	17	to	to	PART
ajfa-4326	227	18	20011/12	20011/12	NUM
ajfa-4326	227	19	bank	bank	PROPN
ajfa-4326	227	20	code	code	NOUN
ajfa-4326	227	21	2007/08	2007/08	NUM
ajfa-4326	227	22	2008/09	2008/09	NUM
ajfa-4326	227	23	2008/09	2008/09	NUM
ajfa-4326	227	24	-	-	SYM
ajfa-4326	227	25	2009/10	2009/10	NUM
ajfa-4326	227	26	2009/10	2009/10	NUM
ajfa-4326	227	27	-	-	SYM
ajfa-4326	227	28	2010/11	2010/11	NUM
ajfa-4326	227	29	2010/11	2010/11	NUM
ajfa-4326	227	30	-	-	SYM
ajfa-4326	227	31	2011/12	2011/12	NUM
ajfa-4326	227	32	mean	mean	NOUN
ajfa-4326	227	33	nabil	nabil	NOUN
ajfa-4326	227	34	1.225	1.225	NUM
ajfa-4326	227	35	1.236	1.236	NUM
ajfa-4326	227	36	1.193	1.193	NUM
ajfa-4326	227	37	1.084	1.084	NUM
ajfa-4326	227	38	1.185	1.185	NUM
ajfa-4326	227	39	nibl	nibl	NOUN
ajfa-4326	227	40	1.191	1.191	NUM
ajfa-4326	227	41	1.208	1.208	NUM
ajfa-4326	227	42	1.090	1.090	NUM
ajfa-4326	227	43	0.978	0.978	NUM
ajfa-4326	227	44	1.117	1.117	NUM
ajfa-4326	227	45	scbn	scbn	NOUN
ajfa-4326	227	46	1.161	1.161	NUM
ajfa-4326	227	47	1.111	1.111	NUM
ajfa-4326	227	48	0.855	0.855	NUM
ajfa-4326	227	49	0.971	0.971	NUM
ajfa-4326	227	50	1.025	1.025	NUM
ajfa-4326	227	51	hbl	hbl	NOUN
ajfa-4326	227	52	1.104	1.104	NUM
ajfa-4326	227	53	1.067	1.067	NUM
ajfa-4326	227	54	1.077	1.077	NUM
ajfa-4326	227	55	0.974	0.974	NUM
ajfa-4326	227	56	1.056	1.056	NUM
ajfa-4326	227	57	nsbi	nsbi	NOUN
ajfa-4326	227	58	1.542	1.542	NUM
ajfa-4326	227	59	1.109	1.109	NUM
ajfa-4326	227	60	1.122	1.122	NUM
ajfa-4326	227	61	1.130	1.130	NUM
ajfa-4326	227	62	1.226	1.226	NUM
ajfa-4326	227	63	nbbl	nbbl	NOUN
ajfa-4326	227	64	1.154	1.154	NUM
ajfa-4326	227	65	1.038	1.038	NUM
ajfa-4326	227	66	1.033	1.033	NUM
ajfa-4326	227	67	0.906	0.906	NUM
ajfa-4326	227	68	1.033	1.033	NUM
ajfa-4326	227	69	ebl	ebl	NOUN
ajfa-4326	227	70	1.222	1.222	NUM
ajfa-4326	227	71	1.394	1.394	NUM
ajfa-4326	227	72	1.213	1.213	NUM
ajfa-4326	227	73	0.987	0.987	NUM
ajfa-4326	227	74	1.204	1.204	NUM
ajfa-4326	227	75	bok	bok	NOUN
ajfa-4326	227	76	1.181	1.181	NUM
ajfa-4326	227	77	1.158	1.158	NUM
ajfa-4326	227	78	1.058	1.058	NUM
ajfa-4326	227	79	0.939	0.939	NUM
ajfa-4326	227	80	1.084	1.084	NUM
ajfa-4326	227	81	nccb	nccb	NOUN
ajfa-4326	227	82	1.051	1.051	NUM
ajfa-4326	227	83	1.024	1.024	NUM
ajfa-4326	227	84	1.038	1.038	NUM
ajfa-4326	227	85	0.890	0.890	NUM
ajfa-4326	227	86	1.001	1.001	NUM
ajfa-4326	227	87	nicb	nicb	NOUN
ajfa-4326	227	88	0.960	0.960	NUM
ajfa-4326	227	89	0.987	0.987	NUM
ajfa-4326	227	90	1.020	1.020	NUM
ajfa-4326	227	91	0.897	0.897	NUM
ajfa-4326	227	92	0.966	0.966	NUM
ajfa-4326	227	93	lbl	lbl	PROPN
ajfa-4326	227	94	1.152	1.152	NUM
ajfa-4326	227	95	1.629	1.629	NUM
ajfa-4326	227	96	0.684	0.684	NUM
ajfa-4326	227	97	0.918	0.918	NUM
ajfa-4326	227	98	1.096	1.096	NUM
ajfa-4326	227	99	mbl	mbl	NOUN
ajfa-4326	227	100	1.029	1.029	NUM
ajfa-4326	227	101	1.082	1.082	NUM
ajfa-4326	227	102	1.063	1.063	NUM
ajfa-4326	227	103	1.027	1.027	NUM
ajfa-4326	227	104	1.050	1.050	NUM
ajfa-4326	227	105	kbl	kbl	PROPN
ajfa-4326	227	106	1.223	1.223	NUM
ajfa-4326	227	107	1.227	1.227	NUM
ajfa-4326	227	108	1.036	1.036	NUM
ajfa-4326	227	109	0.967	0.967	NUM
ajfa-4326	227	110	1.113	1.113	NUM
ajfa-4326	227	111	laxbl	laxbl	NOUN
ajfa-4326	227	112	1.081	1.081	NUM
ajfa-4326	227	113	1.112	1.112	NUM
ajfa-4326	227	114	1.028	1.028	NUM
ajfa-4326	227	115	0.916	0.916	NUM
ajfa-4326	227	116	1.034	1.034	NUM
ajfa-4326	227	117	sbl	sbl	PROPN
ajfa-4326	227	118	1.090	1.090	NUM
ajfa-4326	227	119	1.240	1.240	NUM
ajfa-4326	227	120	1.129	1.129	NUM
ajfa-4326	227	121	0.969	0.969	NUM
ajfa-4326	227	122	1.107	1.107	NUM
ajfa-4326	227	123	gobl	gobl	NOUN
ajfa-4326	227	124	1.004	1.004	NUM
ajfa-4326	227	125	1.133	1.133	NUM
ajfa-4326	227	126	1.021	1.021	NUM
ajfa-4326	227	127	0.922	0.922	NUM
ajfa-4326	227	128	1.020	1.020	NUM
ajfa-4326	227	129	cbl	cbl	PROPN
ajfa-4326	227	130	1.202	1.202	NUM
ajfa-4326	227	131	1.242	1.242	NUM
ajfa-4326	227	132	1.048	1.048	NUM
ajfa-4326	227	133	0.966	0.966	NUM
ajfa-4326	227	134	1.115	1.115	NUM
ajfa-4326	227	135	pbl	pbl	NOUN
ajfa-4326	227	136	1.084	1.084	NUM
ajfa-4326	227	137	1.211	1.211	NUM
ajfa-4326	227	138	1.271	1.271	NUM
ajfa-4326	227	139	0.738	0.738	NUM
ajfa-4326	227	140	1.076	1.076	NUM
ajfa-4326	227	141	boa	boa	NOUN
ajfa-4326	227	142	1.226	1.226	NUM
ajfa-4326	227	143	1.119	1.119	NUM
ajfa-4326	227	144	0.989	0.989	NUM
ajfa-4326	227	145	0.909	0.909	NUM
ajfa-4326	227	146	1.061	1.061	NUM
ajfa-4326	227	147	sbl	sbl	NOUN
ajfa-4326	227	148	0.953	0.953	NUM
ajfa-4326	227	149	1.089	1.089	NUM
ajfa-4326	227	150	1.066	1.066	NUM
ajfa-4326	227	151	0.985	0.985	NUM
ajfa-4326	227	152	1.023	1.023	NUM
ajfa-4326	227	153	gbl	gbl	ADJ
ajfa-4326	227	154	0.861	0.861	NUM
ajfa-4326	227	155	0.995	0.995	NUM
ajfa-4326	227	156	1.052	1.052	NUM
ajfa-4326	227	157	0.865	0.865	NUM
ajfa-4326	227	158	0.943	0.943	NUM
ajfa-4326	227	159	nmb	nmb	NOUN
ajfa-4326	227	160	0.762	0.762	NUM
ajfa-4326	227	161	0.988	0.988	NUM
ajfa-4326	227	162	1.014	1.014	NUM
ajfa-4326	227	163	0.867	0.867	NUM
ajfa-4326	227	164	0.908	0.908	NUM
ajfa-4326	227	165	mean	mean	NOUN
ajfa-4326	227	166	1.101	1.101	NUM
ajfa-4326	227	167	1.147	1.147	NUM
ajfa-4326	227	168	1.043	1.043	NUM
ajfa-4326	227	169	0.942	0.942	NUM
ajfa-4326	227	170	1.058	1.058	NUM
ajfa-4326	227	171	table	table	NOUN
ajfa-4326	227	172	10	10	NUM
ajfa-4326	227	173	reveals	reveal	VERB
ajfa-4326	227	174	the	the	DET
ajfa-4326	227	175	change	change	NOUN
ajfa-4326	227	176	in	in	ADP
ajfa-4326	227	177	efficiency	efficiency	NOUN
ajfa-4326	227	178	for	for	ADP
ajfa-4326	227	179	each	each	DET
ajfa-4326	227	180	individual	individual	ADJ
ajfa-4326	227	181	bank	bank	NOUN
ajfa-4326	227	182	during	during	ADP
ajfa-4326	227	183	the	the	DET
ajfa-4326	227	184	five	five	NUM
ajfa-4326	227	185	years	year	NOUN
ajfa-4326	227	186	.	.	PUNCT
ajfa-4326	228	1	nabil	nabil	NOUN
ajfa-4326	228	2	,	,	PUNCT
ajfa-4326	228	3	nsbi	nsbi	NOUN
ajfa-4326	228	4	,	,	PUNCT
ajfa-4326	228	5	ebl	ebl	PROPN
ajfa-4326	228	6	,	,	PUNCT
ajfa-4326	228	7	lbl	lbl	PROPN
ajfa-4326	228	8	,	,	PUNCT
ajfa-4326	228	9	and	and	CCONJ
ajfa-4326	228	10	pbl	pbl	PROPN
ajfa-4326	228	11	are	be	AUX
ajfa-4326	228	12	found	find	VERB
ajfa-4326	228	13	to	to	PART
ajfa-4326	228	14	be	be	AUX
ajfa-4326	228	15	efficient	efficient	ADJ
ajfa-4326	228	16	among	among	ADP
ajfa-4326	228	17	other	other	ADJ
ajfa-4326	228	18	banks	bank	NOUN
ajfa-4326	228	19	(	(	PUNCT
ajfa-4326	228	20	same	same	ADJ
ajfa-4326	228	21	bank	bank	NOUN
ajfa-4326	228	22	were	be	AUX
ajfa-4326	228	23	also	also	ADV
ajfa-4326	228	24	found	find	VERB
ajfa-4326	228	25	to	to	PART
ajfa-4326	228	26	be	be	AUX
ajfa-4326	228	27	efficient	efficient	ADJ
ajfa-4326	228	28	throughout	throughout	ADP
ajfa-4326	228	29	the	the	DET
ajfa-4326	228	30	period	period	NOUN
ajfa-4326	228	31	as	as	SCONJ
ajfa-4326	228	32	shown	show	VERB
ajfa-4326	228	33	in	in	ADP
ajfa-4326	228	34	table	table	NOUN
ajfa-4326	228	35	7	7	NUM
ajfa-4326	228	36	)	)	PUNCT
ajfa-4326	228	37	.	.	PUNCT
ajfa-4326	229	1	13	13	NUM
ajfa-4326	229	2	out	out	ADP
ajfa-4326	229	3	of	of	ADP
ajfa-4326	229	4	22	22	NUM
ajfa-4326	229	5	banks	bank	NOUN
ajfa-4326	229	6	witnessed	witness	VERB
ajfa-4326	229	7	decline	decline	NOUN
ajfa-4326	229	8	in	in	ADP
ajfa-4326	229	9	relative	relative	ADJ
ajfa-4326	229	10	efficiency	efficiency	NOUN
ajfa-4326	229	11	.	.	PUNCT
ajfa-4326	230	1	overall	overall	ADV
ajfa-4326	230	2	,	,	PUNCT
ajfa-4326	230	3	gobl	gobl	NOUN
ajfa-4326	230	4	experienced	experience	VERB
ajfa-4326	230	5	greater	great	ADJ
ajfa-4326	230	6	change	change	NOUN
ajfa-4326	230	7	in	in	ADP
ajfa-4326	230	8	relative	relative	ADJ
ajfa-4326	230	9	efficiency	efficiency	NOUN
ajfa-4326	230	10	followed	follow	VERB
ajfa-4326	230	11	by	by	ADP
ajfa-4326	230	12	sbl	sbl	PROPN
ajfa-4326	230	13	and	and	CCONJ
ajfa-4326	230	14	nccb	nccb	PROPN
ajfa-4326	230	15	.	.	PUNCT
ajfa-4326	231	1	overall	overall	ADV
ajfa-4326	231	2	,	,	PUNCT
ajfa-4326	231	3	the	the	DET
ajfa-4326	231	4	mean	mean	NOUN
ajfa-4326	231	5	shows	show	NOUN
ajfa-4326	231	6	decline	decline	VERB
ajfa-4326	231	7	in	in	ADP
ajfa-4326	231	8	the	the	DET
ajfa-4326	231	9	overall	overall	ADJ
ajfa-4326	231	10	relative	relative	ADJ
ajfa-4326	231	11	technical	technical	ADJ
ajfa-4326	231	12	efficiency	efficiency	NOUN
ajfa-4326	231	13	of	of	ADP
ajfa-4326	231	14	the	the	DET
ajfa-4326	231	15	bank	bank	NOUN
ajfa-4326	231	16	.	.	PUNCT
ajfa-4326	232	1	comparing	compare	VERB
ajfa-4326	232	2	table	table	NOUN
ajfa-4326	232	3	7	7	NUM
ajfa-4326	232	4	to	to	ADP
ajfa-4326	232	5	table	table	NOUN
ajfa-4326	232	6	9	9	NUM
ajfa-4326	232	7	,	,	PUNCT
ajfa-4326	232	8	we	we	PRON
ajfa-4326	232	9	can	can	AUX
ajfa-4326	232	10	see	see	VERB
ajfa-4326	232	11	that	that	SCONJ
ajfa-4326	232	12	the	the	DET
ajfa-4326	232	13	change	change	NOUN
ajfa-4326	232	14	in	in	ADP
ajfa-4326	232	15	productivity	productivity	NOUN
ajfa-4326	232	16	change	change	NOUN
ajfa-4326	232	17	was	be	AUX
ajfa-4326	232	18	greater	great	ADJ
ajfa-4326	232	19	due	due	ADJ
ajfa-4326	232	20	to	to	ADP
ajfa-4326	232	21	technical	technical	ADJ
ajfa-4326	232	22	change	change	NOUN
ajfa-4326	232	23	rather	rather	ADV
ajfa-4326	232	24	than	than	ADP
ajfa-4326	232	25	efficiency	efficiency	NOUN
ajfa-4326	232	26	change	change	NOUN
ajfa-4326	232	27	.	.	PUNCT
ajfa-4326	233	1	asian	asian	ADJ
ajfa-4326	233	2	journal	journal	PROPN
ajfa-4326	233	3	of	of	ADP
ajfa-4326	233	4	finance	finance	PROPN
ajfa-4326	233	5	&	&	CCONJ
ajfa-4326	233	6	accounting	accounting	PROPN
ajfa-4326	233	7	issn	issn	PROPN
ajfa-4326	233	8	1946	1946	NUM
ajfa-4326	233	9	-	-	PUNCT
ajfa-4326	233	10	052x	052x	NOUN
ajfa-4326	233	11	2013	2013	NUM
ajfa-4326	233	12	,	,	PUNCT
ajfa-4326	233	13	vol	vol	NOUN
ajfa-4326	233	14	.	.	PROPN
ajfa-4326	233	15	5	5	NUM
ajfa-4326	233	16	,	,	PUNCT
ajfa-4326	233	17	no	no	INTJ
ajfa-4326	233	18	.	.	NOUN
ajfa-4326	233	19	2	2	NUM
ajfa-4326	233	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	233	21	234	234	NUM
ajfa-4326	233	22	table	table	NOUN
ajfa-4326	233	23	10	10	NUM
ajfa-4326	233	24	.	.	PUNCT
ajfa-4326	234	1	bank	bank	NOUN
ajfa-4326	234	2	’s	’s	PART
ajfa-4326	234	3	relative	relative	ADJ
ajfa-4326	234	4	efficiency	efficiency	NOUN
ajfa-4326	234	5	(	(	PUNCT
ajfa-4326	234	6	effch	effch	NOUN
ajfa-4326	234	7	)	)	PUNCT
ajfa-4326	234	8	between	between	ADP
ajfa-4326	234	9	time	time	NOUN
ajfa-4326	234	10	period	period	NOUN
ajfa-4326	234	11	t	t	PROPN
ajfa-4326	234	12	and	and	CCONJ
ajfa-4326	234	13	t+1	t+1	PROPN
ajfa-4326	234	14	,	,	PUNCT
ajfa-4326	234	15	2007/08	2007/08	NUM
ajfa-4326	234	16	to	to	PART
ajfa-4326	234	17	20011/12	20011/12	NUM
ajfa-4326	234	18	bank	bank	PROPN
ajfa-4326	234	19	code	code	NOUN
ajfa-4326	234	20	2007/08	2007/08	NUM
ajfa-4326	234	21	2008/09	2008/09	NUM
ajfa-4326	234	22	2008/09	2008/09	NUM
ajfa-4326	234	23	-	-	SYM
ajfa-4326	234	24	2009/10	2009/10	NUM
ajfa-4326	234	25	2009/10	2009/10	NUM
ajfa-4326	234	26	-	-	SYM
ajfa-4326	234	27	2010/11	2010/11	NUM
ajfa-4326	234	28	2010/11	2010/11	NUM
ajfa-4326	234	29	-	-	SYM
ajfa-4326	234	30	2011/12	2011/12	NUM
ajfa-4326	234	31	nabil	nabil	NOUN
ajfa-4326	234	32	1.000	1.000	NUM
ajfa-4326	234	33	1.000	1.000	NUM
ajfa-4326	234	34	1.000	1.000	NUM
ajfa-4326	234	35	1.000	1.000	NUM
ajfa-4326	234	36	nibl	nibl	NOUN
ajfa-4326	234	37	1.051	1.051	NUM
ajfa-4326	234	38	1.000	1.000	NUM
ajfa-4326	234	39	0.984	0.984	NUM
ajfa-4326	234	40	0.961	0.961	NUM
ajfa-4326	234	41	scbn	scbn	NOUN
ajfa-4326	234	42	1.000	1.000	NUM
ajfa-4326	234	43	1.000	1.000	NUM
ajfa-4326	234	44	1.000	1.000	NUM
ajfa-4326	234	45	0.963	0.963	NUM
ajfa-4326	234	46	hbl	hbl	NOUN
ajfa-4326	234	47	0.901	0.901	NUM
ajfa-4326	234	48	1.081	1.081	NUM
ajfa-4326	234	49	0.956	0.956	NUM
ajfa-4326	234	50	0.978	0.978	NUM
ajfa-4326	234	51	nsbi	nsbi	NOUN
ajfa-4326	234	52	1.000	1.000	NUM
ajfa-4326	234	53	1.000	1.000	NUM
ajfa-4326	234	54	1.000	1.000	NUM
ajfa-4326	234	55	1.000	1.000	NUM
ajfa-4326	234	56	nbbl	nbbl	NOUN
ajfa-4326	234	57	1.174	1.174	NUM
ajfa-4326	234	58	1.002	1.002	NUM
ajfa-4326	234	59	0.955	0.955	NUM
ajfa-4326	234	60	0.898	0.898	NUM
ajfa-4326	234	61	ebl	ebl	NOUN
ajfa-4326	234	62	1.000	1.000	NUM
ajfa-4326	234	63	1.000	1.000	NUM
ajfa-4326	234	64	1.000	1.000	NUM
ajfa-4326	234	65	1.000	1.000	NUM
ajfa-4326	234	66	bok	bok	NOUN
ajfa-4326	234	67	0.965	0.965	NUM
ajfa-4326	234	68	1.008	1.008	NUM
ajfa-4326	234	69	0.982	0.982	NUM
ajfa-4326	234	70	1.027	1.027	NUM
ajfa-4326	234	71	nccb	nccb	NOUN
ajfa-4326	234	72	0.983	0.983	NUM
ajfa-4326	234	73	0.979	0.979	NUM
ajfa-4326	234	74	1.049	1.049	NUM
ajfa-4326	234	75	1.055	1.055	NUM
ajfa-4326	234	76	nicb	nicb	NOUN
ajfa-4326	234	77	1.000	1.000	NUM
ajfa-4326	234	78	1.000	1.000	NUM
ajfa-4326	234	79	1.000	1.000	NUM
ajfa-4326	234	80	0.982	0.982	NUM
ajfa-4326	234	81	lbl	lbl	PROPN
ajfa-4326	234	82	1.000	1.000	NUM
ajfa-4326	234	83	1.000	1.000	NUM
ajfa-4326	234	84	1.000	1.000	NUM
ajfa-4326	234	85	1.000	1.000	NUM
ajfa-4326	234	86	mbl	mbl	NOUN
ajfa-4326	234	87	1.059	1.059	NUM
ajfa-4326	234	88	1.011	1.011	NUM
ajfa-4326	234	89	1.032	1.032	NUM
ajfa-4326	234	90	0.838	0.838	NUM
ajfa-4326	234	91	kbl	kbl	PROPN
ajfa-4326	234	92	1.000	1.000	NUM
ajfa-4326	234	93	0.993	0.993	NUM
ajfa-4326	234	94	0.998	0.998	NUM
ajfa-4326	234	95	0.898	0.898	NUM
ajfa-4326	234	96	laxbl	laxbl	NOUN
ajfa-4326	234	97	0.977	0.977	NUM
ajfa-4326	234	98	0.950	0.950	NUM
ajfa-4326	234	99	0.997	0.997	NUM
ajfa-4326	234	100	0.950	0.950	NUM
ajfa-4326	234	101	sbl	sbl	PROPN
ajfa-4326	234	102	0.929	0.929	NUM
ajfa-4326	234	103	1.077	1.077	NUM
ajfa-4326	234	104	1.000	1.000	NUM
ajfa-4326	234	105	0.995	0.995	NUM
ajfa-4326	234	106	gobl	gobl	NOUN
ajfa-4326	234	107	1.216	1.216	NUM
ajfa-4326	234	108	0.966	0.966	NUM
ajfa-4326	234	109	1.110	1.110	NUM
ajfa-4326	234	110	0.907	0.907	NUM
ajfa-4326	234	111	cbl	cbl	NOUN
ajfa-4326	234	112	0.885	0.885	NUM
ajfa-4326	234	113	1.166	1.166	NUM
ajfa-4326	234	114	1.021	1.021	NUM
ajfa-4326	234	115	0.916	0.916	NUM
ajfa-4326	234	116	pbl	pbl	NOUN
ajfa-4326	234	117	1.000	1.000	NUM
ajfa-4326	234	118	1.000	1.000	NUM
ajfa-4326	234	119	1.000	1.000	NUM
ajfa-4326	234	120	1.000	1.000	NUM
ajfa-4326	234	121	boa	boa	NOUN
ajfa-4326	234	122	1.000	1.000	NUM
ajfa-4326	234	123	1.000	1.000	NUM
ajfa-4326	234	124	1.000	1.000	NUM
ajfa-4326	234	125	0.982	0.982	NUM
ajfa-4326	234	126	sbl	sbl	PROPN
ajfa-4326	234	127	0.853	0.853	NUM
ajfa-4326	234	128	1.189	1.189	NUM
ajfa-4326	234	129	1.035	1.035	NUM
ajfa-4326	234	130	1.000	1.000	NUM
ajfa-4326	234	131	gbl	gbl	ADJ
ajfa-4326	234	132	1.000	1.000	NUM
ajfa-4326	234	133	1.000	1.000	NUM
ajfa-4326	234	134	1.000	1.000	NUM
ajfa-4326	234	135	0.970	0.970	NUM
ajfa-4326	234	136	nmb	nmb	NOUN
ajfa-4326	234	137	0.836	0.836	NUM
ajfa-4326	234	138	1.084	1.084	NUM
ajfa-4326	234	139	1.083	1.083	NUM
ajfa-4326	234	140	1.018	1.018	NUM
ajfa-4326	234	141	mean	mean	NOUN
ajfa-4326	234	142	0.989	0.989	NUM
ajfa-4326	234	143	1.021	1.021	NUM
ajfa-4326	234	144	1.009	1.009	NUM
ajfa-4326	234	145	0.969	0.969	NUM
ajfa-4326	234	146	table	table	NOUN
ajfa-4326	234	147	11	11	NUM
ajfa-4326	234	148	shows	show	VERB
ajfa-4326	234	149	the	the	DET
ajfa-4326	234	150	decomposition	decomposition	NOUN
ajfa-4326	234	151	of	of	ADP
ajfa-4326	234	152	efficiency	efficiency	NOUN
ajfa-4326	234	153	into	into	ADP
ajfa-4326	234	154	pure	pure	ADJ
ajfa-4326	234	155	technical	technical	ADJ
ajfa-4326	234	156	efficiency	efficiency	NOUN
ajfa-4326	234	157	change	change	NOUN
ajfa-4326	234	158	(	(	PUNCT
ajfa-4326	234	159	pech	pech	NOUN
ajfa-4326	234	160	)	)	PUNCT
ajfa-4326	234	161	and	and	CCONJ
ajfa-4326	234	162	scale	scale	NOUN
ajfa-4326	234	163	efficiency	efficiency	NOUN
ajfa-4326	234	164	change	change	NOUN
ajfa-4326	234	165	(	(	PUNCT
ajfa-4326	234	166	sech	sech	NOUN
ajfa-4326	234	167	)	)	PUNCT
ajfa-4326	234	168	.	.	PUNCT
ajfa-4326	235	1	the	the	DET
ajfa-4326	235	2	table	table	NOUN
ajfa-4326	235	3	indicates	indicate	VERB
ajfa-4326	235	4	mixed	mixed	ADJ
ajfa-4326	235	5	results	result	NOUN
ajfa-4326	235	6	in	in	ADP
ajfa-4326	235	7	different	different	ADJ
ajfa-4326	235	8	year	year	NOUN
ajfa-4326	235	9	.	.	PUNCT
ajfa-4326	236	1	the	the	DET
ajfa-4326	236	2	efficiency	efficiency	NOUN
ajfa-4326	236	3	could	could	AUX
ajfa-4326	236	4	be	be	AUX
ajfa-4326	236	5	attributed	attribute	VERB
ajfa-4326	236	6	more	more	ADV
ajfa-4326	236	7	to	to	ADP
ajfa-4326	236	8	the	the	DET
ajfa-4326	236	9	pure	pure	ADJ
ajfa-4326	236	10	technical	technical	ADJ
ajfa-4326	236	11	efficiency	efficiency	NOUN
ajfa-4326	236	12	change	change	NOUN
ajfa-4326	236	13	in	in	ADP
ajfa-4326	236	14	the	the	DET
ajfa-4326	236	15	year	year	NOUN
ajfa-4326	236	16	2007/08	2007/08	NUM
ajfa-4326	236	17	-	-	SYM
ajfa-4326	236	18	09	09	NUM
ajfa-4326	236	19	and	and	CCONJ
ajfa-4326	236	20	2009/10	2009/10	NUM
ajfa-4326	236	21	-	-	SYM
ajfa-4326	236	22	11	11	NUM
ajfa-4326	236	23	where	where	SCONJ
ajfa-4326	236	24	as	as	SCONJ
ajfa-4326	236	25	the	the	DET
ajfa-4326	236	26	efficiency	efficiency	NOUN
ajfa-4326	236	27	change	change	NOUN
ajfa-4326	236	28	to	to	ADP
ajfa-4326	236	29	the	the	DET
ajfa-4326	236	30	scale	scale	NOUN
ajfa-4326	236	31	efficiency	efficiency	NOUN
ajfa-4326	236	32	change	change	NOUN
ajfa-4326	236	33	in	in	ADP
ajfa-4326	236	34	the	the	DET
ajfa-4326	236	35	year	year	NOUN
ajfa-4326	236	36	2008/09	2008/09	NUM
ajfa-4326	236	37	-	-	SYM
ajfa-4326	236	38	10	10	NUM
ajfa-4326	236	39	to	to	ADP
ajfa-4326	236	40	2010/11	2010/11	NUM
ajfa-4326	236	41	-	-	SYM
ajfa-4326	236	42	12	12	NUM
ajfa-4326	236	43	.	.	PUNCT
ajfa-4326	237	1	nabil	nabil	NOUN
ajfa-4326	237	2	,	,	PUNCT
ajfa-4326	237	3	nsbi	nsbi	NOUN
ajfa-4326	237	4	,	,	PUNCT
ajfa-4326	237	5	ebl	ebl	PROPN
ajfa-4326	237	6	,	,	PUNCT
ajfa-4326	237	7	lbl	lbl	PROPN
ajfa-4326	237	8	and	and	CCONJ
ajfa-4326	237	9	pbl	pbl	PROPN
ajfa-4326	237	10	show	show	VERB
ajfa-4326	237	11	no	no	DET
ajfa-4326	237	12	change	change	NOUN
ajfa-4326	237	13	in	in	ADP
ajfa-4326	237	14	pure	pure	ADJ
ajfa-4326	237	15	technical	technical	ADJ
ajfa-4326	237	16	efficiency	efficiency	NOUN
ajfa-4326	237	17	as	as	ADV
ajfa-4326	237	18	well	well	ADV
ajfa-4326	237	19	as	as	ADP
ajfa-4326	237	20	scale	scale	NOUN
ajfa-4326	237	21	efficiency	efficiency	NOUN
ajfa-4326	237	22	throughout	throughout	ADP
ajfa-4326	237	23	the	the	DET
ajfa-4326	237	24	sample	sample	NOUN
ajfa-4326	237	25	period	period	NOUN
ajfa-4326	237	26	.	.	PUNCT
ajfa-4326	238	1	asian	asian	ADJ
ajfa-4326	238	2	journal	journal	PROPN
ajfa-4326	238	3	of	of	ADP
ajfa-4326	238	4	finance	finance	PROPN
ajfa-4326	238	5	&	&	CCONJ
ajfa-4326	238	6	accounting	accounting	PROPN
ajfa-4326	238	7	issn	issn	PROPN
ajfa-4326	238	8	1946	1946	NUM
ajfa-4326	238	9	-	-	PUNCT
ajfa-4326	238	10	052x	052x	NOUN
ajfa-4326	238	11	2013	2013	NUM
ajfa-4326	238	12	,	,	PUNCT
ajfa-4326	238	13	vol	vol	NOUN
ajfa-4326	238	14	.	.	PROPN
ajfa-4326	238	15	5	5	NUM
ajfa-4326	238	16	,	,	PUNCT
ajfa-4326	238	17	no	no	INTJ
ajfa-4326	238	18	.	.	NOUN
ajfa-4326	238	19	2	2	NUM
ajfa-4326	238	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	238	21	235	235	NUM
ajfa-4326	238	22	table	table	NOUN
ajfa-4326	238	23	11	11	NUM
ajfa-4326	238	24	.	.	PUNCT
ajfa-4326	239	1	changes	change	NOUN
ajfa-4326	239	2	in	in	ADP
ajfa-4326	239	3	efficiency	efficiency	NOUN
ajfa-4326	239	4	components	component	NOUN
ajfa-4326	239	5	(	(	PUNCT
ajfa-4326	239	6	pure	pure	ADJ
ajfa-4326	239	7	technical	technical	ADJ
ajfa-4326	239	8	efficiency	efficiency	NOUN
ajfa-4326	239	9	change	change	NOUN
ajfa-4326	239	10	and	and	CCONJ
ajfa-4326	239	11	scale	scale	NOUN
ajfa-4326	239	12	efficiency	efficiency	NOUN
ajfa-4326	239	13	change	change	NOUN
ajfa-4326	239	14	)	)	PUNCT
ajfa-4326	239	15	by	by	ADP
ajfa-4326	239	16	banks	bank	NOUN
ajfa-4326	239	17	between	between	ADP
ajfa-4326	239	18	time	time	NOUN
ajfa-4326	239	19	period	period	NOUN
ajfa-4326	239	20	t	t	PROPN
ajfa-4326	239	21	and	and	CCONJ
ajfa-4326	239	22	t	t	PROPN
ajfa-4326	239	23	+	+	CCONJ
ajfa-4326	239	24	1	1	NUM
ajfa-4326	239	25	,	,	PUNCT
ajfa-4326	239	26	2007/08	2007/08	NUM
ajfa-4326	239	27	to	to	PART
ajfa-4326	239	28	20011/12	20011/12	NUM
ajfa-4326	239	29	bank	bank	PROPN
ajfa-4326	239	30	code	code	NOUN
ajfa-4326	239	31	2007/08	2007/08	NUM
ajfa-4326	239	32	2008/09	2008/09	NUM
ajfa-4326	239	33	2008/09	2008/09	NUM
ajfa-4326	239	34	-	-	SYM
ajfa-4326	239	35	2009/10	2009/10	NUM
ajfa-4326	239	36	2009/10	2009/10	NUM
ajfa-4326	239	37	-	-	SYM
ajfa-4326	239	38	2010/11	2010/11	NUM
ajfa-4326	239	39	2010/11	2010/11	NUM
ajfa-4326	239	40	-	-	SYM
ajfa-4326	239	41	2011/12	2011/12	NUM
ajfa-4326	239	42	pech	pech	NOUN
ajfa-4326	239	43	sech	sech	PROPN
ajfa-4326	239	44	pech	pech	PROPN
ajfa-4326	239	45	sech	sech	PROPN
ajfa-4326	239	46	pech	pech	PROPN
ajfa-4326	239	47	sech	sech	PROPN
ajfa-4326	239	48	pech	pech	PROPN
ajfa-4326	239	49	sech	sech	PROPN
ajfa-4326	239	50	nabil	nabil	PROPN
ajfa-4326	239	51	1.000	1.000	NUM
ajfa-4326	239	52	1.000	1.000	NUM
ajfa-4326	239	53	1.000	1.000	NUM
ajfa-4326	239	54	1.000	1.000	NUM
ajfa-4326	239	55	1.000	1.000	NUM
ajfa-4326	239	56	1.000	1.000	NUM
ajfa-4326	239	57	1.000	1.000	NUM
ajfa-4326	239	58	1.000	1.000	NUM
ajfa-4326	239	59	nibl	nibl	NOUN
ajfa-4326	239	60	1.000	1.000	NUM
ajfa-4326	239	61	1.051	1.051	NUM
ajfa-4326	239	62	1.000	1.000	NUM
ajfa-4326	239	63	1.000	1.000	NUM
ajfa-4326	239	64	1.000	1.000	NUM
ajfa-4326	239	65	0.984	0.984	NUM
ajfa-4326	239	66	1.000	1.000	NUM
ajfa-4326	239	67	0.961	0.961	NUM
ajfa-4326	239	68	scbn	scbn	NOUN
ajfa-4326	239	69	1.000	1.000	NUM
ajfa-4326	239	70	1.000	1.000	NUM
ajfa-4326	239	71	1.000	1.000	NUM
ajfa-4326	239	72	1.000	1.000	NUM
ajfa-4326	239	73	1.000	1.000	NUM
ajfa-4326	239	74	1.000	1.000	NUM
ajfa-4326	239	75	0.970	0.970	NUM
ajfa-4326	239	76	0.993	0.993	NUM
ajfa-4326	239	77	hbl	hbl	NOUN
ajfa-4326	239	78	0.983	0.983	NUM
ajfa-4326	239	79	0.917	0.917	NUM
ajfa-4326	239	80	1.006	1.006	NUM
ajfa-4326	239	81	1.074	1.074	NUM
ajfa-4326	239	82	0.967	0.967	NUM
ajfa-4326	239	83	0.989	0.989	NUM
ajfa-4326	239	84	1.041	1.041	NUM
ajfa-4326	239	85	0.939	0.939	NUM
ajfa-4326	239	86	nsbi	nsbi	NOUN
ajfa-4326	239	87	1.000	1.000	NUM
ajfa-4326	239	88	1.000	1.000	NUM
ajfa-4326	239	89	1.000	1.000	NUM
ajfa-4326	239	90	1.000	1.000	NUM
ajfa-4326	239	91	1.000	1.000	NUM
ajfa-4326	239	92	1.000	1.000	NUM
ajfa-4326	239	93	1.000	1.000	NUM
ajfa-4326	239	94	1.000	1.000	NUM
ajfa-4326	239	95	nbbl	nbbl	NOUN
ajfa-4326	239	96	1.182	1.182	NUM
ajfa-4326	239	97	0.993	0.993	NUM
ajfa-4326	239	98	1.001	1.001	NUM
ajfa-4326	239	99	1.001	1.001	NUM
ajfa-4326	239	100	0.947	0.947	NUM
ajfa-4326	239	101	1.008	1.008	NUM
ajfa-4326	239	102	0.932	0.932	NUM
ajfa-4326	239	103	0.964	0.964	NUM
ajfa-4326	239	104	ebl	ebl	PROPN
ajfa-4326	239	105	1.000	1.000	NUM
ajfa-4326	239	106	1.000	1.000	NUM
ajfa-4326	239	107	1.000	1.000	NUM
ajfa-4326	239	108	1.000	1.000	NUM
ajfa-4326	239	109	1.000	1.000	NUM
ajfa-4326	239	110	1.000	1.000	NUM
ajfa-4326	239	111	1.000	1.000	NUM
ajfa-4326	239	112	1.000	1.000	NUM
ajfa-4326	239	113	bok	bok	NOUN
ajfa-4326	239	114	0.981	0.981	NUM
ajfa-4326	239	115	0.985	0.985	NUM
ajfa-4326	239	116	0.993	0.993	NUM
ajfa-4326	239	117	1.016	1.016	NUM
ajfa-4326	239	118	0.995	0.995	NUM
ajfa-4326	239	119	0.987	0.987	NUM
ajfa-4326	239	120	1.016	1.016	NUM
ajfa-4326	239	121	1.010	1.010	NUM
ajfa-4326	239	122	nccb	nccb	NOUN
ajfa-4326	239	123	0.941	0.941	NUM
ajfa-4326	239	124	1.044	1.044	NUM
ajfa-4326	239	125	0.961	0.961	NUM
ajfa-4326	239	126	1.018	1.018	NUM
ajfa-4326	239	127	1.035	1.035	NUM
ajfa-4326	239	128	1.014	1.014	NUM
ajfa-4326	239	129	1.072	1.072	NUM
ajfa-4326	239	130	0.984	0.984	NUM
ajfa-4326	239	131	nicb	nicb	NOUN
ajfa-4326	239	132	1.000	1.000	NUM
ajfa-4326	239	133	1.000	1.000	NUM
ajfa-4326	239	134	1.000	1.000	NUM
ajfa-4326	239	135	1.000	1.000	NUM
ajfa-4326	239	136	1.000	1.000	NUM
ajfa-4326	239	137	1.000	1.000	NUM
ajfa-4326	239	138	1.000	1.000	NUM
ajfa-4326	239	139	0.982	0.982	NUM
ajfa-4326	239	140	laxbl	laxbl	NOUN
ajfa-4326	239	141	1.000	1.000	NUM
ajfa-4326	239	142	1.000	1.000	NUM
ajfa-4326	239	143	1.000	1.000	NUM
ajfa-4326	239	144	1.000	1.000	NUM
ajfa-4326	239	145	1.000	1.000	NUM
ajfa-4326	239	146	1.000	1.000	NUM
ajfa-4326	239	147	1.000	1.000	NUM
ajfa-4326	239	148	1.000	1.000	NUM
ajfa-4326	239	149	mbl	mbl	NOUN
ajfa-4326	239	150	1.062	1.062	NUM
ajfa-4326	239	151	0.997	0.997	NUM
ajfa-4326	239	152	0.987	0.987	NUM
ajfa-4326	239	153	1.024	1.024	NUM
ajfa-4326	239	154	1.042	1.042	NUM
ajfa-4326	239	155	0.990	0.990	NUM
ajfa-4326	239	156	0.841	0.841	NUM
ajfa-4326	239	157	0.996	0.996	NUM
ajfa-4326	239	158	kbl	kbl	PROPN
ajfa-4326	239	159	1.000	1.000	NUM
ajfa-4326	239	160	1.000	1.000	NUM
ajfa-4326	239	161	1.000	1.000	NUM
ajfa-4326	239	162	0.993	0.993	NUM
ajfa-4326	239	163	1.000	1.000	NUM
ajfa-4326	239	164	0.998	0.998	NUM
ajfa-4326	239	165	0.910	0.910	NUM
ajfa-4326	239	166	0.987	0.987	NUM
ajfa-4326	239	167	lbl	lbl	PROPN
ajfa-4326	239	168	1.021	1.021	NUM
ajfa-4326	239	169	0.958	0.958	NUM
ajfa-4326	239	170	0.942	0.942	NUM
ajfa-4326	239	171	1.008	1.008	NUM
ajfa-4326	239	172	1.003	1.003	NUM
ajfa-4326	239	173	0.993	0.993	NUM
ajfa-4326	239	174	0.915	0.915	NUM
ajfa-4326	239	175	1.038	1.038	NUM
ajfa-4326	239	176	sbl	sbl	PROPN
ajfa-4326	239	177	0.938	0.938	NUM
ajfa-4326	239	178	0.990	0.990	NUM
ajfa-4326	239	179	1.066	1.066	NUM
ajfa-4326	239	180	1.010	1.010	NUM
ajfa-4326	239	181	1.000	1.000	NUM
ajfa-4326	239	182	1.000	1.000	NUM
ajfa-4326	239	183	1.000	1.000	NUM
ajfa-4326	239	184	0.995	0.995	NUM
ajfa-4326	239	185	gobl	gobl	NOUN
ajfa-4326	239	186	1.213	1.213	NUM
ajfa-4326	239	187	1.002	1.002	NUM
ajfa-4326	239	188	0.957	0.957	NUM
ajfa-4326	239	189	1.009	1.009	NUM
ajfa-4326	239	190	1.102	1.102	NUM
ajfa-4326	239	191	1.008	1.008	NUM
ajfa-4326	239	192	0.927	0.927	NUM
ajfa-4326	239	193	0.979	0.979	NUM
ajfa-4326	239	194	cbl	cbl	NOUN
ajfa-4326	239	195	0.988	0.988	NUM
ajfa-4326	239	196	0.895	0.895	NUM
ajfa-4326	239	197	1.012	1.012	NUM
ajfa-4326	239	198	1.152	1.152	NUM
ajfa-4326	239	199	1.000	1.000	NUM
ajfa-4326	239	200	1.021	1.021	NUM
ajfa-4326	239	201	1.000	1.000	NUM
ajfa-4326	239	202	0.916	0.916	NUM
ajfa-4326	239	203	pbl	pbl	NOUN
ajfa-4326	239	204	1.000	1.000	NUM
ajfa-4326	239	205	1.000	1.000	NUM
ajfa-4326	239	206	1.000	1.000	NUM
ajfa-4326	239	207	1.000	1.000	NUM
ajfa-4326	239	208	1.000	1.000	NUM
ajfa-4326	239	209	1.000	1.000	NUM
ajfa-4326	239	210	1.000	1.000	NUM
ajfa-4326	239	211	1.000	1.000	NUM
ajfa-4326	239	212	boa	boa	NOUN
ajfa-4326	239	213	1.000	1.000	NUM
ajfa-4326	239	214	1.000	1.000	NUM
ajfa-4326	239	215	1.000	1.000	NUM
ajfa-4326	239	216	1.000	1.000	NUM
ajfa-4326	239	217	1.000	1.000	NUM
ajfa-4326	239	218	1.000	1.000	NUM
ajfa-4326	239	219	0.983	0.983	NUM
ajfa-4326	239	220	1.000	1.000	NUM
ajfa-4326	239	221	sbl	sbl	NOUN
ajfa-4326	239	222	0.875	0.875	NUM
ajfa-4326	239	223	0.974	0.974	NUM
ajfa-4326	239	224	1.199	1.199	NUM
ajfa-4326	239	225	0.992	0.992	NUM
ajfa-4326	239	226	1.000	1.000	NUM
ajfa-4326	239	227	1.035	1.035	NUM
ajfa-4326	239	228	1.000	1.000	NUM
ajfa-4326	239	229	1.000	1.000	NUM
ajfa-4326	239	230	gbl	gbl	ADJ
ajfa-4326	239	231	1.000	1.000	NUM
ajfa-4326	239	232	1.000	1.000	NUM
ajfa-4326	239	233	1.000	1.000	NUM
ajfa-4326	239	234	1.000	1.000	NUM
ajfa-4326	239	235	1.000	1.000	NUM
ajfa-4326	239	236	1.000	1.000	NUM
ajfa-4326	239	237	0.978	0.978	NUM
ajfa-4326	239	238	0.991	0.991	NUM
ajfa-4326	239	239	nmb	nmb	NOUN
ajfa-4326	239	240	1.000	1.000	NUM
ajfa-4326	239	241	0.836	0.836	NUM
ajfa-4326	239	242	0.950	0.950	NUM
ajfa-4326	239	243	1.142	1.142	NUM
ajfa-4326	239	244	1.053	1.053	NUM
ajfa-4326	239	245	1.028	1.028	NUM
ajfa-4326	239	246	1.000	1.000	NUM
ajfa-4326	239	247	1.018	1.018	NUM
ajfa-4326	239	248	mean	mean	NOUN
ajfa-4326	239	249	1.006	1.006	NUM
ajfa-4326	239	250	0.983	0.983	NUM
ajfa-4326	239	251	1.002	1.002	NUM
ajfa-4326	239	252	1.019	1.019	NUM
ajfa-4326	239	253	1.006	1.006	NUM
ajfa-4326	239	254	1.002	1.002	NUM
ajfa-4326	239	255	0.980	0.980	NUM
ajfa-4326	239	256	0.988	0.988	NUM
ajfa-4326	239	257	table	table	NOUN
ajfa-4326	239	258	12	12	NUM
ajfa-4326	239	259	summarizes	summarize	NOUN
ajfa-4326	239	260	the	the	DET
ajfa-4326	239	261	malmquist	malmquist	PROPN
ajfa-4326	239	262	productivity	productivity	NOUN
ajfa-4326	239	263	index	index	NOUN
ajfa-4326	239	264	of	of	ADP
ajfa-4326	239	265	22	22	NUM
ajfa-4326	239	266	commercial	commercial	ADJ
ajfa-4326	239	267	banks	bank	NOUN
ajfa-4326	239	268	in	in	ADP
ajfa-4326	239	269	nepal	nepal	NOUN
ajfa-4326	239	270	between	between	ADP
ajfa-4326	239	271	2007/08	2007/08	NUM
ajfa-4326	239	272	-	-	PUNCT
ajfa-4326	239	273	2011/12	2011/12	NUM
ajfa-4326	239	274	.	.	PUNCT
ajfa-4326	240	1	on	on	ADP
ajfa-4326	240	2	average	average	ADJ
ajfa-4326	240	3	,	,	PUNCT
ajfa-4326	240	4	nsbi	nsbi	NOUN
ajfa-4326	240	5	records	record	VERB
ajfa-4326	240	6	highest	high	ADJ
ajfa-4326	240	7	growth	growth	NOUN
ajfa-4326	240	8	in	in	ADP
ajfa-4326	240	9	productivity	productivity	NOUN
ajfa-4326	240	10	change	change	NOUN
ajfa-4326	240	11	which	which	PRON
ajfa-4326	240	12	is	be	AUX
ajfa-4326	240	13	fully	fully	ADV
ajfa-4326	240	14	due	due	ADJ
ajfa-4326	240	15	to	to	ADP
ajfa-4326	240	16	technical	technical	ADJ
ajfa-4326	240	17	change	change	NOUN
ajfa-4326	240	18	rather	rather	ADV
ajfa-4326	240	19	than	than	ADP
ajfa-4326	240	20	efficiency	efficiency	NOUN
ajfa-4326	240	21	change	change	NOUN
ajfa-4326	240	22	.	.	PUNCT
ajfa-4326	241	1	nmb	nmb	PROPN
ajfa-4326	241	2	bank	bank	PROPN
ajfa-4326	241	3	reports	report	VERB
ajfa-4326	241	4	the	the	DET
ajfa-4326	241	5	lower	low	ADJ
ajfa-4326	241	6	growth	growth	NOUN
ajfa-4326	241	7	in	in	ADP
ajfa-4326	241	8	productivity	productivity	NOUN
ajfa-4326	241	9	change	change	NOUN
ajfa-4326	241	10	which	which	PRON
ajfa-4326	241	11	can	can	AUX
ajfa-4326	241	12	be	be	AUX
ajfa-4326	241	13	again	again	ADV
ajfa-4326	241	14	fully	fully	ADV
ajfa-4326	241	15	attributed	attribute	VERB
ajfa-4326	241	16	to	to	ADP
ajfa-4326	241	17	technical	technical	ADJ
ajfa-4326	241	18	regress	regress	NOUN
ajfa-4326	241	19	(	(	PUNCT
ajfa-4326	241	20	-9.8	-9.8	PROPN
ajfa-4326	241	21	%	%	NOUN
ajfa-4326	241	22	)	)	PUNCT
ajfa-4326	241	23	.	.	PUNCT
ajfa-4326	242	1	overall	overall	ADJ
ajfa-4326	242	2	the	the	DET
ajfa-4326	242	3	change	change	NOUN
ajfa-4326	242	4	in	in	ADP
ajfa-4326	242	5	productivity	productivity	NOUN
ajfa-4326	242	6	of	of	ADP
ajfa-4326	242	7	is	be	AUX
ajfa-4326	242	8	mainly	mainly	ADV
ajfa-4326	242	9	due	due	ADJ
ajfa-4326	242	10	to	to	ADP
ajfa-4326	242	11	technical	technical	ADJ
ajfa-4326	242	12	progress	progress	NOUN
ajfa-4326	242	13	(	(	PUNCT
ajfa-4326	242	14	5.5	5.5	NUM
ajfa-4326	242	15	%	%	NOUN
ajfa-4326	242	16	)	)	PUNCT
ajfa-4326	242	17	but	but	CCONJ
ajfa-4326	242	18	efficiency	efficiency	NOUN
ajfa-4326	242	19	change	change	NOUN
ajfa-4326	242	20	contributed	contribute	VERB
ajfa-4326	242	21	negatively	negatively	ADV
ajfa-4326	242	22	(	(	PUNCT
ajfa-4326	242	23	-0.03	-0.03	NUM
ajfa-4326	242	24	%	%	NOUN
ajfa-4326	242	25	)	)	PUNCT
ajfa-4326	242	26	to	to	ADP
ajfa-4326	242	27	the	the	DET
ajfa-4326	242	28	total	total	ADJ
ajfa-4326	242	29	productivity	productivity	NOUN
ajfa-4326	242	30	change	change	NOUN
ajfa-4326	242	31	.	.	PUNCT
ajfa-4326	243	1	furthermore	furthermore	ADV
ajfa-4326	243	2	,	,	PUNCT
ajfa-4326	243	3	the	the	DET
ajfa-4326	243	4	decline	decline	NOUN
ajfa-4326	243	5	in	in	ADP
ajfa-4326	243	6	efficiency	efficiency	NOUN
ajfa-4326	243	7	change	change	NOUN
ajfa-4326	243	8	is	be	AUX
ajfa-4326	243	9	due	due	ADJ
ajfa-4326	243	10	to	to	PART
ajfa-4326	243	11	decline	decline	VERB
ajfa-4326	243	12	in	in	ADP
ajfa-4326	243	13	both	both	CCONJ
ajfa-4326	243	14	pure	pure	ADJ
ajfa-4326	243	15	efficiency	efficiency	NOUN
ajfa-4326	243	16	change	change	NOUN
ajfa-4326	243	17	and	and	CCONJ
ajfa-4326	243	18	scale	scale	NOUN
ajfa-4326	243	19	efficiency	efficiency	NOUN
ajfa-4326	243	20	change	change	NOUN
ajfa-4326	243	21	.	.	PUNCT
ajfa-4326	244	1	unlike	unlike	ADP
ajfa-4326	244	2	omar	omar	PROPN
ajfa-4326	244	3	et	et	PROPN
ajfa-4326	244	4	al	al	PROPN
ajfa-4326	244	5	.	.	PROPN
ajfa-4326	245	1	(	(	PUNCT
ajfa-4326	245	2	2006	2006	NUM
ajfa-4326	245	3	)	)	PUNCT
ajfa-4326	245	4	,	,	PUNCT
ajfa-4326	245	5	who	who	PRON
ajfa-4326	245	6	concluded	conclude	VERB
ajfa-4326	245	7	that	that	SCONJ
ajfa-4326	245	8	an	an	DET
ajfa-4326	245	9	increase	increase	NOUN
ajfa-4326	245	10	in	in	ADP
ajfa-4326	245	11	productivity	productivity	NOUN
ajfa-4326	245	12	change	change	NOUN
ajfa-4326	245	13	(	(	PUNCT
ajfa-4326	245	14	tfpch	tfpch	NOUN
ajfa-4326	245	15	)	)	PUNCT
ajfa-4326	245	16	in	in	ADP
ajfa-4326	245	17	malaysia	malaysia	PROPN
ajfa-4326	245	18	's	's	PART
ajfa-4326	245	19	commercial	commercial	ADJ
ajfa-4326	245	20	banks	bank	NOUN
ajfa-4326	245	21	industry	industry	NOUN
ajfa-4326	245	22	is	be	AUX
ajfa-4326	245	23	due	due	ADJ
ajfa-4326	245	24	to	to	ADP
ajfa-4326	245	25	the	the	DET
ajfa-4326	245	26	innovation	innovation	NOUN
ajfa-4326	245	27	in	in	ADP
ajfa-4326	245	28	efficiency	efficiency	NOUN
ajfa-4326	245	29	components	component	NOUN
ajfa-4326	245	30	rather	rather	ADV
ajfa-4326	245	31	than	than	ADP
ajfa-4326	245	32	the	the	DET
ajfa-4326	245	33	improvement	improvement	NOUN
ajfa-4326	245	34	in	in	ADP
ajfa-4326	245	35	technical	technical	ADJ
ajfa-4326	245	36	aspect	aspect	NOUN
ajfa-4326	245	37	,	,	PUNCT
ajfa-4326	245	38	it	it	PRON
ajfa-4326	245	39	can	can	AUX
ajfa-4326	245	40	be	be	AUX
ajfa-4326	245	41	concluded	conclude	VERB
ajfa-4326	245	42	that	that	SCONJ
ajfa-4326	245	43	the	the	DET
ajfa-4326	245	44	increase	increase	NOUN
ajfa-4326	245	45	in	in	ADP
ajfa-4326	245	46	productivity	productivity	NOUN
ajfa-4326	245	47	change	change	NOUN
ajfa-4326	245	48	in	in	ADP
ajfa-4326	245	49	nepalese	nepalese	ADJ
ajfa-4326	245	50	commercial	commercial	ADJ
ajfa-4326	245	51	banks	bank	NOUN
ajfa-4326	245	52	industry	industry	NOUN
ajfa-4326	245	53	is	be	AUX
ajfa-4326	245	54	due	due	ADJ
ajfa-4326	245	55	to	to	ADP
ajfa-4326	245	56	the	the	DET
ajfa-4326	245	57	technical	technical	ADJ
ajfa-4326	245	58	progress	progress	NOUN
ajfa-4326	245	59	rather	rather	ADV
ajfa-4326	245	60	than	than	ADP
ajfa-4326	245	61	efficiency	efficiency	NOUN
ajfa-4326	245	62	components	component	NOUN
ajfa-4326	245	63	.	.	PUNCT
ajfa-4326	246	1	asian	asian	ADJ
ajfa-4326	246	2	journal	journal	PROPN
ajfa-4326	246	3	of	of	ADP
ajfa-4326	246	4	finance	finance	PROPN
ajfa-4326	246	5	&	&	CCONJ
ajfa-4326	246	6	accounting	accounting	PROPN
ajfa-4326	246	7	issn	issn	PROPN
ajfa-4326	246	8	1946	1946	NUM
ajfa-4326	246	9	-	-	PUNCT
ajfa-4326	246	10	052x	052x	NOUN
ajfa-4326	246	11	2013	2013	NUM
ajfa-4326	246	12	,	,	PUNCT
ajfa-4326	246	13	vol	vol	NOUN
ajfa-4326	246	14	.	.	PROPN
ajfa-4326	246	15	5	5	NUM
ajfa-4326	246	16	,	,	PUNCT
ajfa-4326	246	17	no	no	INTJ
ajfa-4326	246	18	.	.	NOUN
ajfa-4326	246	19	2	2	NUM
ajfa-4326	246	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	246	21	236	236	NUM
ajfa-4326	246	22	table	table	NOUN
ajfa-4326	246	23	12	12	NUM
ajfa-4326	246	24	.	.	PUNCT
ajfa-4326	247	1	summary	summary	NOUN
ajfa-4326	247	2	of	of	ADP
ajfa-4326	247	3	malmquist	malmquist	PROPN
ajfa-4326	247	4	productivity	productivity	NOUN
ajfa-4326	247	5	index	index	NOUN
ajfa-4326	247	6	of	of	ADP
ajfa-4326	247	7	bank	bank	NOUN
ajfa-4326	247	8	means	mean	NOUN
ajfa-4326	247	9	,	,	PUNCT
ajfa-4326	247	10	2007/08	2007/08	NUM
ajfa-4326	247	11	to	to	PART
ajfa-4326	247	12	20011/12	20011/12	NUM
ajfa-4326	247	13	bank	bank	PROPN
ajfa-4326	247	14	code	code	PROPN
ajfa-4326	247	15	tfpch	tfpch	PROPN
ajfa-4326	247	16	effch	effch	PROPN
ajfa-4326	247	17	techch	techch	PROPN
ajfa-4326	247	18	pech	pech	PROPN
ajfa-4326	247	19	sech	sech	PROPN
ajfa-4326	247	20	nabil	nabil	PROPN
ajfa-4326	247	21	1.183	1.183	NUM
ajfa-4326	247	22	1.000	1.000	NUM
ajfa-4326	247	23	1.183	1.183	NUM
ajfa-4326	247	24	1.000	1.000	NUM
ajfa-4326	247	25	1.000	1.000	NUM
ajfa-4326	247	26	nibl	nibl	NOUN
ajfa-4326	247	27	1.111	1.111	NUM
ajfa-4326	247	28	0.999	0.999	NUM
ajfa-4326	247	29	1.113	1.113	NUM
ajfa-4326	247	30	1.000	1.000	NUM
ajfa-4326	247	31	0.999	0.999	NUM
ajfa-4326	247	32	scbn	scbn	NOUN
ajfa-4326	247	33	1.008	1.008	NUM
ajfa-4326	247	34	0.991	0.991	NUM
ajfa-4326	247	35	1.017	1.017	NUM
ajfa-4326	247	36	0.992	0.992	NUM
ajfa-4326	247	37	0.998	0.998	NUM
ajfa-4326	247	38	hbl	hbl	PROPN
ajfa-4326	247	39	1.030	1.030	NUM
ajfa-4326	247	40	0.977	0.977	NUM
ajfa-4326	247	41	1.055	1.055	NUM
ajfa-4326	247	42	0.999	0.999	NUM
ajfa-4326	247	43	0.978	0.978	NUM
ajfa-4326	247	44	nsbi	nsbi	NOUN
ajfa-4326	247	45	1.214	1.214	NUM
ajfa-4326	247	46	1.000	1.000	NUM
ajfa-4326	247	47	1.214	1.214	NUM
ajfa-4326	247	48	1.000	1.000	NUM
ajfa-4326	247	49	1.000	1.000	NUM
ajfa-4326	247	50	nbbl	nbbl	NOUN
ajfa-4326	247	51	1.032	1.032	NUM
ajfa-4326	247	52	1.002	1.002	NUM
ajfa-4326	247	53	1.029	1.029	NUM
ajfa-4326	247	54	1.011	1.011	NUM
ajfa-4326	247	55	0.991	0.991	NUM
ajfa-4326	247	56	ebl	ebl	PROPN
ajfa-4326	247	57	1.195	1.195	NUM
ajfa-4326	247	58	1.000	1.000	NUM
ajfa-4326	247	59	1.195	1.195	NUM
ajfa-4326	247	60	1.000	1.000	NUM
ajfa-4326	247	61	1.000	1.000	NUM
ajfa-4326	247	62	bok	bok	NOUN
ajfa-4326	247	63	1.075	1.075	NUM
ajfa-4326	247	64	0.995	0.995	NUM
ajfa-4326	247	65	1.080	1.080	NUM
ajfa-4326	247	66	0.996	0.996	NUM
ajfa-4326	247	67	0.999	0.999	NUM
ajfa-4326	247	68	nccb	nccb	NOUN
ajfa-4326	247	69	1.014	1.014	NUM
ajfa-4326	247	70	1.016	1.016	NUM
ajfa-4326	247	71	0.999	0.999	NUM
ajfa-4326	247	72	1.001	1.001	NUM
ajfa-4326	247	73	1.015	1.015	NUM
ajfa-4326	247	74	nicb	nicb	NOUN
ajfa-4326	247	75	0.961	0.961	NUM
ajfa-4326	247	76	0.996	0.996	NUM
ajfa-4326	247	77	0.965	0.965	NUM
ajfa-4326	247	78	1.000	1.000	NUM
ajfa-4326	247	79	0.996	0.996	NUM
ajfa-4326	247	80	lbl	lbl	PROPN
ajfa-4326	247	81	1.042	1.042	NUM
ajfa-4326	247	82	1.000	1.000	NUM
ajfa-4326	247	83	1.042	1.042	NUM
ajfa-4326	247	84	1.000	1.000	NUM
ajfa-4326	247	85	1.000	1.000	NUM
ajfa-4326	247	86	mbl	mbl	NOUN
ajfa-4326	247	87	1.030	1.030	NUM
ajfa-4326	247	88	0.981	0.981	NUM
ajfa-4326	247	89	1.050	1.050	NUM
ajfa-4326	247	90	0.979	0.979	NUM
ajfa-4326	247	91	1.002	1.002	NUM
ajfa-4326	247	92	kbl	kbl	PROPN
ajfa-4326	247	93	1.075	1.075	NUM
ajfa-4326	247	94	0.971	0.971	NUM
ajfa-4326	247	95	1.107	1.107	NUM
ajfa-4326	247	96	0.977	0.977	NUM
ajfa-4326	247	97	0.995	0.995	NUM
ajfa-4326	247	98	laxbl	laxbl	NOUN
ajfa-4326	247	99	0.999	0.999	NUM
ajfa-4326	247	100	0.968	0.968	NUM
ajfa-4326	247	101	1.031	1.031	NUM
ajfa-4326	247	102	0.969	0.969	NUM
ajfa-4326	247	103	0.999	0.999	NUM
ajfa-4326	247	104	sbl	sbl	PROPN
ajfa-4326	247	105	1.101	1.101	NUM
ajfa-4326	247	106	0.999	0.999	NUM
ajfa-4326	247	107	1.103	1.103	NUM
ajfa-4326	247	108	1.000	1.000	NUM
ajfa-4326	247	109	0.999	0.999	NUM
ajfa-4326	247	110	gobl	gobl	NOUN
ajfa-4326	247	111	1.060	1.060	NUM
ajfa-4326	247	112	1.043	1.043	NUM
ajfa-4326	247	113	1.017	1.017	NUM
ajfa-4326	247	114	1.043	1.043	NUM
ajfa-4326	247	115	0.999	0.999	NUM
ajfa-4326	247	116	cbl	cbl	PROPN
ajfa-4326	247	117	1.099	1.099	NUM
ajfa-4326	247	118	0.991	0.991	NUM
ajfa-4326	247	119	1.109	1.109	NUM
ajfa-4326	247	120	1.000	1.000	NUM
ajfa-4326	247	121	0.991	0.991	NUM
ajfa-4326	247	122	pbl	pbl	NOUN
ajfa-4326	247	123	1.053	1.053	NUM
ajfa-4326	247	124	1.000	1.000	NUM
ajfa-4326	247	125	1.053	1.053	NUM
ajfa-4326	247	126	1.000	1.000	NUM
ajfa-4326	247	127	1.000	1.000	NUM
ajfa-4326	247	128	boa	boa	NOUN
ajfa-4326	247	129	1.049	1.049	NUM
ajfa-4326	247	130	0.996	0.996	NUM
ajfa-4326	247	131	1.054	1.054	NUM
ajfa-4326	247	132	0.996	0.996	NUM
ajfa-4326	247	133	1.000	1.000	NUM
ajfa-4326	247	134	sbl	sbl	PROPN
ajfa-4326	247	135	1.034	1.034	NUM
ajfa-4326	247	136	1.012	1.012	NUM
ajfa-4326	247	137	1.022	1.022	NUM
ajfa-4326	247	138	1.012	1.012	NUM
ajfa-4326	247	139	1.000	1.000	NUM
ajfa-4326	247	140	gbl	gbl	ADJ
ajfa-4326	247	141	0.932	0.932	NUM
ajfa-4326	247	142	0.992	0.992	NUM
ajfa-4326	247	143	0.940	0.940	NUM
ajfa-4326	247	144	0.995	0.995	NUM
ajfa-4326	247	145	0.998	0.998	NUM
ajfa-4326	247	146	nmb	nmb	NOUN
ajfa-4326	247	147	0.902	0.902	NUM
ajfa-4326	247	148	1.000	1.000	NUM
ajfa-4326	247	149	0.902	0.902	NUM
ajfa-4326	247	150	1.000	1.000	NUM
ajfa-4326	247	151	1.000	1.000	NUM
ajfa-4326	247	152	mean	mean	NOUN
ajfa-4326	247	153	1.052	1.052	NUM
ajfa-4326	247	154	0.997	0.997	NUM
ajfa-4326	247	155	1.055	1.055	NUM
ajfa-4326	247	156	0.999	0.999	NUM
ajfa-4326	247	157	0.998	0.998	NUM
ajfa-4326	247	158	note	note	NOUN
ajfa-4326	247	159	:	:	PUNCT
ajfa-4326	247	160	tfch	tfch	ADJ
ajfa-4326	247	161	–	–	PUNCT
ajfa-4326	247	162	total	total	ADJ
ajfa-4326	247	163	productivity	productivity	NOUN
ajfa-4326	247	164	change	change	NOUN
ajfa-4326	247	165	,	,	PUNCT
ajfa-4326	247	166	effch	effch	ADJ
ajfa-4326	247	167	–	–	PUNCT
ajfa-4326	247	168	efficiency	efficiency	NOUN
ajfa-4326	247	169	change	change	NOUN
ajfa-4326	247	170	,	,	PUNCT
ajfa-4326	247	171	techchtechnology	techchtechnology	NOUN
ajfa-4326	247	172	change	change	NOUN
ajfa-4326	247	173	,	,	PUNCT
ajfa-4326	247	174	pech	pech	NOUN
ajfa-4326	247	175	pure	pure	ADJ
ajfa-4326	247	176	efficiency	efficiency	NOUN
ajfa-4326	247	177	change	change	NOUN
ajfa-4326	247	178	,	,	PUNCT
ajfa-4326	247	179	sechscale	sechscale	NOUN
ajfa-4326	247	180	efficiency	efficiency	NOUN
ajfa-4326	247	181	change	change	NOUN
ajfa-4326	247	182	regression	regression	NOUN
ajfa-4326	247	183	analysis	analysis	NOUN
ajfa-4326	247	184	of	of	ADP
ajfa-4326	247	185	efficiency	efficiency	NOUN
ajfa-4326	247	186	scores	score	NOUN
ajfa-4326	247	187	and	and	CCONJ
ajfa-4326	247	188	determinants	determinant	NOUN
ajfa-4326	247	189	of	of	ADP
ajfa-4326	247	190	efficiency	efficiency	NOUN
ajfa-4326	247	191	with	with	ADP
ajfa-4326	247	192	the	the	DET
ajfa-4326	247	193	objective	objective	NOUN
ajfa-4326	247	194	to	to	PART
ajfa-4326	247	195	analyze	analyze	VERB
ajfa-4326	247	196	the	the	DET
ajfa-4326	247	197	determinants	determinant	NOUN
ajfa-4326	247	198	of	of	ADP
ajfa-4326	247	199	bank	bank	NOUN
ajfa-4326	247	200	efficiency	efficiency	NOUN
ajfa-4326	247	201	,	,	PUNCT
ajfa-4326	247	202	regression	regression	VERB
ajfa-4326	247	203	analysis	analysis	NOUN
ajfa-4326	247	204	is	be	AUX
ajfa-4326	247	205	conducted	conduct	VERB
ajfa-4326	247	206	.	.	PUNCT
ajfa-4326	248	1	since	since	SCONJ
ajfa-4326	248	2	the	the	DET
ajfa-4326	248	3	efficiency	efficiency	NOUN
ajfa-4326	248	4	score	score	NOUN
ajfa-4326	248	5	of	of	ADP
ajfa-4326	248	6	malmquist	malmquist	ADJ
ajfa-4326	248	7	index	index	NOUN
ajfa-4326	248	8	ranges	range	VERB
ajfa-4326	248	9	from	from	ADP
ajfa-4326	248	10	0	0	NUM
ajfa-4326	248	11	to	to	ADP
ajfa-4326	248	12	1	1	NUM
ajfa-4326	248	13	,	,	PUNCT
ajfa-4326	248	14	tobit	tobit	NOUN
ajfa-4326	248	15	regression	regression	NOUN
ajfa-4326	248	16	model	model	NOUN
ajfa-4326	248	17	has	have	AUX
ajfa-4326	248	18	been	be	AUX
ajfa-4326	248	19	used	use	VERB
ajfa-4326	248	20	.	.	PUNCT
ajfa-4326	249	1	the	the	DET
ajfa-4326	249	2	efficiency	efficiency	NOUN
ajfa-4326	249	3	score	score	NOUN
ajfa-4326	249	4	based	base	VERB
ajfa-4326	249	5	on	on	ADP
ajfa-4326	249	6	crs	crs	PROPN
ajfa-4326	249	7	as	as	ADV
ajfa-4326	249	8	well	well	ADV
ajfa-4326	249	9	as	as	ADP
ajfa-4326	249	10	vrs	vrs	PROPN
ajfa-4326	249	11	is	be	AUX
ajfa-4326	249	12	used	use	VERB
ajfa-4326	249	13	as	as	ADP
ajfa-4326	249	14	dependent	dependent	ADJ
ajfa-4326	249	15	variables	variable	NOUN
ajfa-4326	249	16	where	where	SCONJ
ajfa-4326	249	17	as	as	ADP
ajfa-4326	249	18	structure	structure	NOUN
ajfa-4326	249	19	of	of	ADP
ajfa-4326	249	20	the	the	DET
ajfa-4326	249	21	bank	bank	NOUN
ajfa-4326	249	22	(	(	PUNCT
ajfa-4326	249	23	joint	joint	ADJ
ajfa-4326	249	24	venture	venture	NOUN
ajfa-4326	249	25	or	or	CCONJ
ajfa-4326	249	26	not	not	PART
ajfa-4326	249	27	)	)	PUNCT
ajfa-4326	249	28	,	,	PUNCT
ajfa-4326	249	29	leverage	leverage	NOUN
ajfa-4326	249	30	ratio	ratio	NOUN
ajfa-4326	249	31	(	(	PUNCT
ajfa-4326	249	32	d	d	NOUN
ajfa-4326	249	33	/	/	SYM
ajfa-4326	249	34	e	e	NOUN
ajfa-4326	249	35	ratio	ratio	NOUN
ajfa-4326	249	36	)	)	PUNCT
ajfa-4326	249	37	,	,	PUNCT
ajfa-4326	249	38	log	log	NOUN
ajfa-4326	249	39	of	of	ADP
ajfa-4326	249	40	net	net	ADJ
ajfa-4326	249	41	profit	profit	NOUN
ajfa-4326	249	42	,	,	PUNCT
ajfa-4326	249	43	loans	loan	NOUN
ajfa-4326	249	44	/	/	SYM
ajfa-4326	249	45	assets	asset	NOUN
ajfa-4326	249	46	,	,	PUNCT
ajfa-4326	249	47	ratio	ratio	NOUN
ajfa-4326	249	48	of	of	ADP
ajfa-4326	249	49	non	non	ADJ
ajfa-4326	249	50	-	-	ADJ
ajfa-4326	249	51	performing	performing	ADJ
ajfa-4326	249	52	loans	loan	NOUN
ajfa-4326	249	53	,	,	PUNCT
ajfa-4326	249	54	risk	risk	NOUN
ajfa-4326	249	55	weighted	weight	VERB
ajfa-4326	249	56	assets	asset	NOUN
ajfa-4326	249	57	,	,	PUNCT
ajfa-4326	249	58	age	age	NOUN
ajfa-4326	249	59	,	,	PUNCT
ajfa-4326	249	60	and	and	CCONJ
ajfa-4326	249	61	size	size	NOUN
ajfa-4326	249	62	is	be	AUX
ajfa-4326	249	63	used	use	VERB
ajfa-4326	249	64	as	as	ADP
ajfa-4326	249	65	regressors	regressor	NOUN
ajfa-4326	249	66	.	.	PUNCT
ajfa-4326	250	1	the	the	DET
ajfa-4326	250	2	values	value	NOUN
ajfa-4326	250	3	are	be	AUX
ajfa-4326	250	4	taken	take	VERB
ajfa-4326	250	5	for	for	ADP
ajfa-4326	250	6	the	the	DET
ajfa-4326	250	7	year	year	NOUN
ajfa-4326	250	8	2011/12	2011/12	NUM
ajfa-4326	250	9	.	.	PUNCT
ajfa-4326	251	1	the	the	DET
ajfa-4326	251	2	regression	regression	NOUN
ajfa-4326	251	3	model	model	NOUN
ajfa-4326	251	4	can	can	AUX
ajfa-4326	251	5	be	be	AUX
ajfa-4326	251	6	expressed	express	VERB
ajfa-4326	251	7	as	as	ADP
ajfa-4326	251	8	:	:	PUNCT
ajfa-4326	251	9	yk	yk	PROPN
ajfa-4326	251	10	*	*	PUNCT
ajfa-4326	252	1	=	=	PROPN
ajfa-4326	252	2	β1+β2struck+β3levk+β4lnpk+β5loak+β6nplk+β7rwak+β8agek+β9sizek+	β1+β2struck+β3levk+β4lnpk+β5loak+β6nplk+β7rwak+β8agek+β9sizek+	PROPN
ajfa-4326	252	3	jt	jt	PROPN
ajfa-4326	252	4	(	(	PUNCT
ajfa-4326	252	5	9)ℰ	9)ℰ	NOUN
ajfa-4326	252	6	=	=	SYM
ajfa-4326	252	7	asian	asian	ADJ
ajfa-4326	252	8	journal	journal	NOUN
ajfa-4326	252	9	of	of	ADP
ajfa-4326	252	10	finance	finance	PROPN
ajfa-4326	252	11	&	&	CCONJ
ajfa-4326	252	12	accounting	accounting	PROPN
ajfa-4326	252	13	issn	issn	PROPN
ajfa-4326	252	14	1946	1946	NUM
ajfa-4326	252	15	-	-	PUNCT
ajfa-4326	252	16	052x	052x	NOUN
ajfa-4326	252	17	2013	2013	NUM
ajfa-4326	252	18	,	,	PUNCT
ajfa-4326	252	19	vol	vol	NOUN
ajfa-4326	252	20	.	.	PROPN
ajfa-4326	252	21	5	5	NUM
ajfa-4326	252	22	,	,	PUNCT
ajfa-4326	252	23	no	no	INTJ
ajfa-4326	252	24	.	.	NOUN
ajfa-4326	252	25	2	2	NUM
ajfa-4326	252	26	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	252	27	237	237	NUM
ajfa-4326	252	28	in	in	ADP
ajfa-4326	252	29	the	the	DET
ajfa-4326	252	30	equation	equation	NOUN
ajfa-4326	252	31	(	(	PUNCT
ajfa-4326	252	32	7	7	NUM
ajfa-4326	252	33	)	)	PUNCT
ajfa-4326	252	34	,	,	PUNCT
ajfa-4326	252	35	y	y	PROPN
ajfa-4326	252	36	*	*	PROPN
ajfa-4326	252	37	is	be	AUX
ajfa-4326	252	38	the	the	DET
ajfa-4326	252	39	latent	latent	ADJ
ajfa-4326	252	40	variable	variable	NOUN
ajfa-4326	252	41	which	which	PRON
ajfa-4326	252	42	is	be	AUX
ajfa-4326	252	43	efficiency	efficiency	NOUN
ajfa-4326	252	44	based	base	VERB
ajfa-4326	252	45	on	on	ADP
ajfa-4326	252	46	crs	crs	PROPN
ajfa-4326	252	47	and	and	CCONJ
ajfa-4326	252	48	vrs	vrs	PROPN
ajfa-4326	252	49	,	,	PUNCT
ajfa-4326	252	50	is	be	AUX
ajfa-4326	252	51	the	the	DET
ajfa-4326	252	52	coefficient	coefficient	NOUN
ajfa-4326	252	53	,	,	PUNCT
ajfa-4326	252	54	struck	strike	VERB
ajfa-4326	252	55	is	be	AUX
ajfa-4326	252	56	the	the	DET
ajfa-4326	252	57	dummy	dummy	ADJ
ajfa-4326	252	58	variable	variable	NOUN
ajfa-4326	252	59	which	which	PRON
ajfa-4326	252	60	takes	take	VERB
ajfa-4326	252	61	the	the	DET
ajfa-4326	252	62	value	value	NOUN
ajfa-4326	252	63	0	0	PUNCT
ajfa-4326	252	64	if	if	SCONJ
ajfa-4326	252	65	the	the	DET
ajfa-4326	252	66	bank	bank	NOUN
ajfa-4326	252	67	is	be	AUX
ajfa-4326	252	68	foreign	foreign	ADJ
ajfa-4326	252	69	joint	joint	ADJ
ajfa-4326	252	70	venture	venture	NOUN
ajfa-4326	252	71	and	and	CCONJ
ajfa-4326	252	72	1	1	NUM
ajfa-4326	252	73	if	if	SCONJ
ajfa-4326	252	74	not	not	PART
ajfa-4326	252	75	,	,	PUNCT
ajfa-4326	252	76	levk	levk	VERB
ajfa-4326	252	77	is	be	AUX
ajfa-4326	252	78	the	the	DET
ajfa-4326	252	79	leverage	leverage	NOUN
ajfa-4326	252	80	ratio	ratio	NOUN
ajfa-4326	252	81	,	,	PUNCT
ajfa-4326	252	82	lnpk	lnpk	PROPN
ajfa-4326	252	83	is	be	AUX
ajfa-4326	252	84	the	the	DET
ajfa-4326	252	85	log	log	NOUN
ajfa-4326	252	86	of	of	ADP
ajfa-4326	252	87	the	the	DET
ajfa-4326	252	88	net	net	ADJ
ajfa-4326	252	89	profit	profit	NOUN
ajfa-4326	252	90	,	,	PUNCT
ajfa-4326	252	91	loak	loak	PROPN
ajfa-4326	252	92	is	be	AUX
ajfa-4326	252	93	the	the	DET
ajfa-4326	252	94	percentage	percentage	NOUN
ajfa-4326	252	95	of	of	ADP
ajfa-4326	252	96	loan	loan	NOUN
ajfa-4326	252	97	to	to	ADP
ajfa-4326	252	98	total	total	ADJ
ajfa-4326	252	99	assets	asset	NOUN
ajfa-4326	252	100	,	,	PUNCT
ajfa-4326	252	101	nplk	nplk	PROPN
ajfa-4326	252	102	is	be	AUX
ajfa-4326	252	103	the	the	DET
ajfa-4326	252	104	percentage	percentage	NOUN
ajfa-4326	252	105	of	of	ADP
ajfa-4326	252	106	non	non	ADJ
ajfa-4326	252	107	-	-	ADJ
ajfa-4326	252	108	performing	performing	ADJ
ajfa-4326	252	109	loans	loan	NOUN
ajfa-4326	252	110	,	,	PUNCT
ajfa-4326	252	111	rwak	rwak	ADJ
ajfa-4326	252	112	is	be	AUX
ajfa-4326	252	113	the	the	DET
ajfa-4326	252	114	percentage	percentage	NOUN
ajfa-4326	252	115	of	of	ADP
ajfa-4326	252	116	capital	capital	NOUN
ajfa-4326	252	117	fund	fund	NOUN
ajfa-4326	252	118	to	to	PART
ajfa-4326	252	119	risk	risk	VERB
ajfa-4326	252	120	weighted	weight	VERB
ajfa-4326	252	121	assets	asset	NOUN
ajfa-4326	252	122	,	,	PUNCT
ajfa-4326	252	123	agek	agek	PROPN
ajfa-4326	252	124	is	be	AUX
ajfa-4326	252	125	the	the	DET
ajfa-4326	252	126	number	number	NOUN
ajfa-4326	252	127	of	of	ADP
ajfa-4326	252	128	years	year	NOUN
ajfa-4326	252	129	bank	bank	PROPN
ajfa-4326	252	130	is	be	AUX
ajfa-4326	252	131	in	in	ADP
ajfa-4326	252	132	operation	operation	NOUN
ajfa-4326	252	133	,	,	PUNCT
ajfa-4326	252	134	and	and	CCONJ
ajfa-4326	252	135	sizek	sizek	X
ajfa-4326	252	136	(	(	PUNCT
ajfa-4326	252	137	used	use	VERB
ajfa-4326	252	138	as	as	ADP
ajfa-4326	252	139	control	control	NOUN
ajfa-4326	252	140	variable	variable	NOUN
ajfa-4326	252	141	)	)	PUNCT
ajfa-4326	252	142	is	be	AUX
ajfa-4326	252	143	the	the	DET
ajfa-4326	252	144	log	log	NOUN
ajfa-4326	252	145	of	of	ADP
ajfa-4326	252	146	assets	asset	NOUN
ajfa-4326	252	147	for	for	ADP
ajfa-4326	252	148	each	each	DET
ajfa-4326	252	149	bank	bank	NOUN
ajfa-4326	253	1	k.	k.	PROPN
ajfa-4326	253	2	ℰ	ℰ	PROPN
ajfa-4326	253	3	is	be	AUX
ajfa-4326	253	4	the	the	DET
ajfa-4326	253	5	disturbance	disturbance	NOUN
ajfa-4326	253	6	term	term	NOUN
ajfa-4326	253	7	,	,	PUNCT
ajfa-4326	253	8	with	with	ADP
ajfa-4326	253	9	capturing	capture	VERB
ajfa-4326	253	10	the	the	DET
ajfa-4326	253	11	unobserved	unobserved	ADJ
ajfa-4326	253	12	bank	bank	NOUN
ajfa-4326	253	13	specific	specific	ADJ
ajfa-4326	253	14	effects	effect	NOUN
ajfa-4326	253	15	and	and	CCONJ
ajfa-4326	253	16	is	be	AUX
ajfa-4326	253	17	the	the	DET
ajfa-4326	253	18	idiosyncratic	idiosyncratic	ADJ
ajfa-4326	253	19	error	error	NOUN
ajfa-4326	253	20	and	and	CCONJ
ajfa-4326	253	21	is	be	AUX
ajfa-4326	253	22	independently	independently	ADV
ajfa-4326	253	23	identically	identically	ADV
ajfa-4326	253	24	distributed	distribute	VERB
ajfa-4326	253	25	(	(	PUNCT
ajfa-4326	253	26	i.i.d	i.i.d	PROPN
ajfa-4326	253	27	)	)	PUNCT
ajfa-4326	253	28	,	,	PUNCT
ajfa-4326	253	29	ek	ek	X
ajfa-4326	253	30	~	~	SYM
ajfa-4326	253	31	n(0,σ2	n(0,σ2	NOUN
ajfa-4326	253	32	)	)	PUNCT
ajfa-4326	253	33	.	.	PUNCT
ajfa-4326	254	1	commercial	commercial	ADJ
ajfa-4326	254	2	banks	bank	NOUN
ajfa-4326	254	3	with	with	ADP
ajfa-4326	254	4	foreign	foreign	ADJ
ajfa-4326	254	5	joint	joint	ADJ
ajfa-4326	254	6	venture	venture	NOUN
ajfa-4326	254	7	are	be	AUX
ajfa-4326	254	8	expected	expect	VERB
ajfa-4326	254	9	to	to	PART
ajfa-4326	254	10	be	be	AUX
ajfa-4326	254	11	more	more	ADV
ajfa-4326	254	12	efficient	efficient	ADJ
ajfa-4326	254	13	than	than	ADP
ajfa-4326	254	14	other	other	ADJ
ajfa-4326	254	15	commercial	commercial	ADJ
ajfa-4326	254	16	banks	bank	NOUN
ajfa-4326	254	17	;	;	PUNCT
ajfa-4326	254	18	hence	hence	ADV
ajfa-4326	254	19	,	,	PUNCT
ajfa-4326	254	20	the	the	DET
ajfa-4326	254	21	coefficient	coefficient	NOUN
ajfa-4326	254	22	of	of	ADP
ajfa-4326	254	23	struc	struc	PROPN
ajfa-4326	254	24	is	be	AUX
ajfa-4326	254	25	expected	expect	VERB
ajfa-4326	254	26	to	to	PART
ajfa-4326	254	27	be	be	AUX
ajfa-4326	254	28	negative	negative	ADJ
ajfa-4326	254	29	.	.	PUNCT
ajfa-4326	255	1	the	the	DET
ajfa-4326	255	2	lev	lev	PROPN
ajfa-4326	255	3	ratio	ratio	NOUN
ajfa-4326	255	4	(	(	PUNCT
ajfa-4326	255	5	defined	define	VERB
ajfa-4326	255	6	as	as	ADP
ajfa-4326	255	7	debt	debt	NOUN
ajfa-4326	255	8	by	by	ADP
ajfa-4326	255	9	equity	equity	NOUN
ajfa-4326	255	10	ratio	ratio	NOUN
ajfa-4326	255	11	)	)	PUNCT
ajfa-4326	255	12	is	be	AUX
ajfa-4326	255	13	used	use	VERB
ajfa-4326	255	14	as	as	ADP
ajfa-4326	255	15	to	to	PART
ajfa-4326	255	16	measure	measure	VERB
ajfa-4326	255	17	the	the	DET
ajfa-4326	255	18	leverage	leverage	NOUN
ajfa-4326	255	19	of	of	ADP
ajfa-4326	255	20	commercial	commercial	ADJ
ajfa-4326	255	21	banks	bank	NOUN
ajfa-4326	255	22	.	.	PUNCT
ajfa-4326	256	1	the	the	DET
ajfa-4326	256	2	variable	variable	NOUN
ajfa-4326	256	3	is	be	AUX
ajfa-4326	256	4	expected	expect	VERB
ajfa-4326	256	5	to	to	PART
ajfa-4326	256	6	take	take	VERB
ajfa-4326	256	7	a	a	DET
ajfa-4326	256	8	positive	positive	ADJ
ajfa-4326	256	9	sign	sign	NOUN
ajfa-4326	256	10	and	and	CCONJ
ajfa-4326	256	11	associated	associate	VERB
ajfa-4326	256	12	with	with	ADP
ajfa-4326	256	13	higher	high	ADJ
ajfa-4326	256	14	efficiency	efficiency	NOUN
ajfa-4326	256	15	as	as	ADP
ajfa-4326	256	16	banks	bank	NOUN
ajfa-4326	256	17	with	with	ADP
ajfa-4326	256	18	appropriate	appropriate	ADJ
ajfa-4326	256	19	leverage	leverage	NOUN
ajfa-4326	256	20	ratio	ratio	NOUN
ajfa-4326	256	21	can	can	AUX
ajfa-4326	256	22	earn	earn	VERB
ajfa-4326	256	23	better	well	ADJ
ajfa-4326	256	24	from	from	ADP
ajfa-4326	256	25	the	the	DET
ajfa-4326	256	26	debt	debt	NOUN
ajfa-4326	256	27	portion	portion	NOUN
ajfa-4326	256	28	.	.	PUNCT
ajfa-4326	257	1	deposits	deposit	NOUN
ajfa-4326	257	2	have	have	AUX
ajfa-4326	257	3	been	be	AUX
ajfa-4326	257	4	taken	take	VERB
ajfa-4326	257	5	as	as	ADP
ajfa-4326	257	6	proxy	proxy	NOUN
ajfa-4326	257	7	for	for	ADP
ajfa-4326	257	8	debt	debt	NOUN
ajfa-4326	257	9	and	and	CCONJ
ajfa-4326	257	10	paid	pay	VERB
ajfa-4326	257	11	up	up	ADP
ajfa-4326	257	12	capital	capital	NOUN
ajfa-4326	257	13	(	(	PUNCT
ajfa-4326	257	14	with	with	ADP
ajfa-4326	257	15	reserves	reserve	NOUN
ajfa-4326	257	16	and	and	CCONJ
ajfa-4326	257	17	retained	retain	VERB
ajfa-4326	257	18	earnings	earning	NOUN
ajfa-4326	257	19	)	)	PUNCT
ajfa-4326	257	20	has	have	AUX
ajfa-4326	257	21	been	be	AUX
ajfa-4326	257	22	used	use	VERB
ajfa-4326	257	23	as	as	ADP
ajfa-4326	257	24	proxy	proxy	NOUN
ajfa-4326	257	25	for	for	ADP
ajfa-4326	257	26	equity	equity	NOUN
ajfa-4326	257	27	.	.	PUNCT
ajfa-4326	258	1	log	log	NOUN
ajfa-4326	258	2	of	of	ADP
ajfa-4326	258	3	net	net	ADJ
ajfa-4326	258	4	profit	profit	NOUN
ajfa-4326	258	5	(	(	PUNCT
ajfa-4326	258	6	lnp	lnp	PROPN
ajfa-4326	258	7	)	)	PUNCT
ajfa-4326	258	8	is	be	AUX
ajfa-4326	258	9	used	use	VERB
ajfa-4326	258	10	as	as	ADP
ajfa-4326	258	11	to	to	PART
ajfa-4326	258	12	measure	measure	VERB
ajfa-4326	258	13	the	the	DET
ajfa-4326	258	14	relationship	relationship	NOUN
ajfa-4326	258	15	between	between	ADP
ajfa-4326	258	16	the	the	DET
ajfa-4326	258	17	efficiency	efficiency	NOUN
ajfa-4326	258	18	and	and	CCONJ
ajfa-4326	258	19	profitability	profitability	NOUN
ajfa-4326	258	20	.	.	PUNCT
ajfa-4326	259	1	it	it	PRON
ajfa-4326	259	2	is	be	AUX
ajfa-4326	259	3	expected	expect	VERB
ajfa-4326	259	4	to	to	PART
ajfa-4326	259	5	have	have	VERB
ajfa-4326	259	6	positive	positive	ADJ
ajfa-4326	259	7	relation	relation	NOUN
ajfa-4326	259	8	with	with	ADP
ajfa-4326	259	9	the	the	DET
ajfa-4326	259	10	efficiency	efficiency	NOUN
ajfa-4326	259	11	.	.	PUNCT
ajfa-4326	260	1	loa	loa	PROPN
ajfa-4326	260	2	is	be	AUX
ajfa-4326	260	3	used	use	VERB
ajfa-4326	260	4	as	as	ADP
ajfa-4326	260	5	a	a	DET
ajfa-4326	260	6	proxy	proxy	NOUN
ajfa-4326	260	7	for	for	ADP
ajfa-4326	260	8	liquidity	liquidity	NOUN
ajfa-4326	260	9	risk	risk	NOUN
ajfa-4326	260	10	;	;	PUNCT
ajfa-4326	260	11	hence	hence	ADV
ajfa-4326	260	12	,	,	PUNCT
ajfa-4326	260	13	one	one	PRON
ajfa-4326	260	14	would	would	AUX
ajfa-4326	260	15	expect	expect	VERB
ajfa-4326	260	16	to	to	PART
ajfa-4326	260	17	have	have	VERB
ajfa-4326	260	18	positive	positive	ADJ
ajfa-4326	260	19	relationship	relationship	NOUN
ajfa-4326	260	20	between	between	ADP
ajfa-4326	260	21	liquidity	liquidity	NOUN
ajfa-4326	260	22	and	and	CCONJ
ajfa-4326	260	23	performance	performance	NOUN
ajfa-4326	260	24	(	(	PUNCT
ajfa-4326	260	25	bourke	bourke	PROPN
ajfa-4326	260	26	,	,	PUNCT
ajfa-4326	260	27	1989	1989	NUM
ajfa-4326	260	28	)	)	PUNCT
ajfa-4326	260	29	.	.	PUNCT
ajfa-4326	261	1	non	non	ADJ
ajfa-4326	261	2	-	-	ADJ
ajfa-4326	261	3	performing	performing	ADJ
ajfa-4326	261	4	loan	loan	NOUN
ajfa-4326	261	5	as	as	ADP
ajfa-4326	261	6	a	a	DET
ajfa-4326	261	7	percentage	percentage	NOUN
ajfa-4326	261	8	of	of	ADP
ajfa-4326	261	9	total	total	ADJ
ajfa-4326	261	10	loans	loan	NOUN
ajfa-4326	261	11	(	(	PUNCT
ajfa-4326	261	12	npl	npl	NOUN
ajfa-4326	261	13	)	)	PUNCT
ajfa-4326	261	14	is	be	AUX
ajfa-4326	261	15	used	use	VERB
ajfa-4326	261	16	as	as	ADP
ajfa-4326	261	17	a	a	DET
ajfa-4326	261	18	proxy	proxy	NOUN
ajfa-4326	261	19	of	of	ADP
ajfa-4326	261	20	credit	credit	NOUN
ajfa-4326	261	21	risk	risk	NOUN
ajfa-4326	261	22	.	.	PUNCT
ajfa-4326	262	1	the	the	DET
ajfa-4326	262	2	coefficient	coefficient	NOUN
ajfa-4326	262	3	of	of	ADP
ajfa-4326	262	4	non	non	ADJ
ajfa-4326	262	5	-	-	ADJ
ajfa-4326	262	6	performing	performing	ADJ
ajfa-4326	262	7	loans	loan	NOUN
ajfa-4326	262	8	is	be	AUX
ajfa-4326	262	9	expected	expect	VERB
ajfa-4326	262	10	to	to	PART
ajfa-4326	262	11	be	be	AUX
ajfa-4326	262	12	negative	negative	ADJ
ajfa-4326	262	13	as	as	SCONJ
ajfa-4326	262	14	bad	bad	ADJ
ajfa-4326	262	15	loans	loan	NOUN
ajfa-4326	262	16	have	have	VERB
ajfa-4326	262	17	regressive	regressive	ADJ
ajfa-4326	262	18	impact	impact	NOUN
ajfa-4326	262	19	on	on	ADP
ajfa-4326	262	20	bank	bank	NOUN
ajfa-4326	262	21	’s	’s	PART
ajfa-4326	262	22	profitability	profitability	NOUN
ajfa-4326	262	23	.	.	PUNCT
ajfa-4326	263	1	capital	capital	NOUN
ajfa-4326	263	2	fund	fund	PROPN
ajfa-4326	263	3	to	to	PART
ajfa-4326	263	4	risk	risk	VERB
ajfa-4326	263	5	weighted	weight	VERB
ajfa-4326	263	6	assets	asset	NOUN
ajfa-4326	263	7	(	(	PUNCT
ajfa-4326	263	8	rwa	rwa	PROPN
ajfa-4326	263	9	)	)	PUNCT
ajfa-4326	263	10	is	be	AUX
ajfa-4326	263	11	used	use	VERB
ajfa-4326	263	12	as	as	ADP
ajfa-4326	263	13	a	a	DET
ajfa-4326	263	14	proxy	proxy	NOUN
ajfa-4326	263	15	of	of	ADP
ajfa-4326	263	16	bank	bank	NOUN
ajfa-4326	263	17	’s	’s	PART
ajfa-4326	263	18	exposure	exposure	NOUN
ajfa-4326	263	19	to	to	ADP
ajfa-4326	263	20	potential	potential	ADJ
ajfa-4326	263	21	losses	loss	NOUN
ajfa-4326	263	22	.	.	PUNCT
ajfa-4326	264	1	the	the	DET
ajfa-4326	264	2	coefficient	coefficient	NOUN
ajfa-4326	264	3	of	of	ADP
ajfa-4326	264	4	rwa	rwa	PROPN
ajfa-4326	264	5	is	be	AUX
ajfa-4326	264	6	also	also	ADV
ajfa-4326	264	7	expected	expect	VERB
ajfa-4326	264	8	to	to	PART
ajfa-4326	264	9	be	be	AUX
ajfa-4326	264	10	positive	positive	ADJ
ajfa-4326	264	11	as	as	SCONJ
ajfa-4326	264	12	bank	bank	NOUN
ajfa-4326	264	13	with	with	ADP
ajfa-4326	264	14	higher	high	ADJ
ajfa-4326	264	15	capital	capital	NOUN
ajfa-4326	264	16	fund	fund	NOUN
ajfa-4326	264	17	to	to	ADP
ajfa-4326	264	18	rwa	rwa	PROPN
ajfa-4326	264	19	are	be	AUX
ajfa-4326	264	20	able	able	ADJ
ajfa-4326	264	21	to	to	PART
ajfa-4326	264	22	withstand	withstand	VERB
ajfa-4326	264	23	higher	high	ADJ
ajfa-4326	264	24	potential	potential	ADJ
ajfa-4326	264	25	losses	loss	NOUN
ajfa-4326	264	26	but	but	CCONJ
ajfa-4326	264	27	it	it	PRON
ajfa-4326	264	28	may	may	AUX
ajfa-4326	264	29	also	also	ADV
ajfa-4326	264	30	yield	yield	VERB
ajfa-4326	264	31	negative	negative	ADJ
ajfa-4326	264	32	coefficient	coefficient	NOUN
ajfa-4326	264	33	since	since	SCONJ
ajfa-4326	264	34	greater	great	ADJ
ajfa-4326	264	35	capital	capital	NOUN
ajfa-4326	264	36	fund	fund	NOUN
ajfa-4326	264	37	to	to	ADP
ajfa-4326	264	38	rwa	rwa	PROPN
ajfa-4326	264	39	gives	give	VERB
ajfa-4326	264	40	up	up	ADP
ajfa-4326	264	41	financial	financial	ADJ
ajfa-4326	264	42	leverage	leverage	NOUN
ajfa-4326	264	43	which	which	PRON
ajfa-4326	264	44	may	may	AUX
ajfa-4326	264	45	yield	yield	VERB
ajfa-4326	264	46	to	to	PART
ajfa-4326	264	47	lower	lower	VERB
ajfa-4326	264	48	interest	interest	NOUN
ajfa-4326	264	49	margins	margin	NOUN
ajfa-4326	264	50	and	and	CCONJ
ajfa-4326	264	51	return	return	VERB
ajfa-4326	264	52	on	on	ADP
ajfa-4326	264	53	equity	equity	NOUN
ajfa-4326	264	54	.	.	PUNCT
ajfa-4326	265	1	likewise	likewise	ADV
ajfa-4326	265	2	,	,	PUNCT
ajfa-4326	265	3	age	age	NOUN
ajfa-4326	265	4	is	be	AUX
ajfa-4326	265	5	used	use	VERB
ajfa-4326	265	6	as	as	ADP
ajfa-4326	265	7	a	a	DET
ajfa-4326	265	8	proxy	proxy	NOUN
ajfa-4326	265	9	for	for	ADP
ajfa-4326	265	10	management	management	NOUN
ajfa-4326	265	11	expertise	expertise	NOUN
ajfa-4326	265	12	as	as	SCONJ
ajfa-4326	265	13	greater	great	ADJ
ajfa-4326	265	14	year	year	NOUN
ajfa-4326	265	15	of	of	ADP
ajfa-4326	265	16	operation	operation	NOUN
ajfa-4326	265	17	means	mean	VERB
ajfa-4326	265	18	better	well	ADJ
ajfa-4326	265	19	understanding	understanding	NOUN
ajfa-4326	265	20	of	of	ADP
ajfa-4326	265	21	competition	competition	NOUN
ajfa-4326	265	22	,	,	PUNCT
ajfa-4326	265	23	market	market	NOUN
ajfa-4326	265	24	condition	condition	NOUN
ajfa-4326	265	25	and	and	CCONJ
ajfa-4326	265	26	higher	high	ADJ
ajfa-4326	265	27	goodwill	goodwill	NOUN
ajfa-4326	265	28	.	.	PUNCT
ajfa-4326	266	1	it	it	PRON
ajfa-4326	266	2	is	be	AUX
ajfa-4326	266	3	generally	generally	ADV
ajfa-4326	266	4	expected	expect	VERB
ajfa-4326	266	5	that	that	SCONJ
ajfa-4326	266	6	commercial	commercial	ADJ
ajfa-4326	266	7	banks	bank	NOUN
ajfa-4326	266	8	become	become	VERB
ajfa-4326	266	9	more	more	ADV
ajfa-4326	266	10	efficient	efficient	ADJ
ajfa-4326	266	11	with	with	ADP
ajfa-4326	266	12	higher	high	ADJ
ajfa-4326	266	13	years	year	NOUN
ajfa-4326	266	14	of	of	ADP
ajfa-4326	266	15	operation	operation	NOUN
ajfa-4326	266	16	.	.	PUNCT
ajfa-4326	267	1	finally	finally	ADV
ajfa-4326	267	2	,	,	PUNCT
ajfa-4326	267	3	size	size	VERB
ajfa-4326	267	4	as	as	SCONJ
ajfa-4326	267	5	a	a	DET
ajfa-4326	267	6	log	log	NOUN
ajfa-4326	267	7	of	of	ADP
ajfa-4326	267	8	assets	asset	NOUN
ajfa-4326	267	9	is	be	AUX
ajfa-4326	267	10	used	use	VERB
ajfa-4326	267	11	as	as	ADP
ajfa-4326	267	12	control	control	NOUN
ajfa-4326	267	13	variable	variable	NOUN
ajfa-4326	267	14	in	in	ADP
ajfa-4326	267	15	the	the	DET
ajfa-4326	267	16	analysis	analysis	NOUN
ajfa-4326	267	17	.	.	PUNCT
ajfa-4326	268	1	the	the	DET
ajfa-4326	268	2	coefficient	coefficient	NOUN
ajfa-4326	268	3	of	of	ADP
ajfa-4326	268	4	size	size	NOUN
ajfa-4326	268	5	may	may	AUX
ajfa-4326	268	6	be	be	AUX
ajfa-4326	268	7	positive	positive	ADJ
ajfa-4326	268	8	if	if	SCONJ
ajfa-4326	268	9	banks	bank	NOUN
ajfa-4326	268	10	are	be	AUX
ajfa-4326	268	11	able	able	ADJ
ajfa-4326	268	12	to	to	PART
ajfa-4326	268	13	achieve	achieve	VERB
ajfa-4326	268	14	economies	economy	NOUN
ajfa-4326	268	15	of	of	ADP
ajfa-4326	268	16	scale	scale	NOUN
ajfa-4326	268	17	,	,	PUNCT
ajfa-4326	268	18	however	however	ADV
ajfa-4326	268	19	,	,	PUNCT
ajfa-4326	268	20	the	the	DET
ajfa-4326	268	21	coefficient	coefficient	NOUN
ajfa-4326	268	22	of	of	ADP
ajfa-4326	268	23	size	size	NOUN
ajfa-4326	268	24	may	may	AUX
ajfa-4326	268	25	also	also	ADV
ajfa-4326	268	26	be	be	AUX
ajfa-4326	268	27	negative	negative	ADJ
ajfa-4326	268	28	if	if	SCONJ
ajfa-4326	268	29	the	the	DET
ajfa-4326	268	30	banks	bank	NOUN
ajfa-4326	268	31	has	have	VERB
ajfa-4326	268	32	higher	high	ADJ
ajfa-4326	268	33	risks	risk	NOUN
ajfa-4326	268	34	due	due	ADJ
ajfa-4326	268	35	to	to	ADP
ajfa-4326	268	36	higher	high	ADJ
ajfa-4326	268	37	diversification	diversification	NOUN
ajfa-4326	268	38	of	of	ADP
ajfa-4326	268	39	assets	asset	NOUN
ajfa-4326	268	40	.	.	PUNCT
ajfa-4326	269	1	the	the	DET
ajfa-4326	269	2	result	result	NOUN
ajfa-4326	269	3	of	of	ADP
ajfa-4326	269	4	tobit	tobit	NOUN
ajfa-4326	269	5	regression	regression	NOUN
ajfa-4326	269	6	is	be	AUX
ajfa-4326	269	7	presented	present	VERB
ajfa-4326	269	8	in	in	ADP
ajfa-4326	269	9	table	table	NOUN
ajfa-4326	269	10	13	13	NUM
ajfa-4326	269	11	.	.	PUNCT
ajfa-4326	270	1	the	the	DET
ajfa-4326	270	2	table	table	NOUN
ajfa-4326	270	3	reveals	reveal	VERB
ajfa-4326	270	4	that	that	SCONJ
ajfa-4326	270	5	the	the	DET
ajfa-4326	270	6	coefficient	coefficient	NOUN
ajfa-4326	270	7	of	of	ADP
ajfa-4326	270	8	age	age	NOUN
ajfa-4326	270	9	of	of	ADP
ajfa-4326	270	10	the	the	DET
ajfa-4326	270	11	commercial	commercial	ADJ
ajfa-4326	270	12	banks	bank	NOUN
ajfa-4326	270	13	and	and	CCONJ
ajfa-4326	270	14	strc	strc	VERB
ajfa-4326	270	15	as	as	ADP
ajfa-4326	270	16	a	a	DET
ajfa-4326	270	17	dummy	dummy	ADJ
ajfa-4326	270	18	variable	variable	NOUN
ajfa-4326	270	19	for	for	ADP
ajfa-4326	270	20	foreign	foreign	ADJ
ajfa-4326	270	21	joint	joint	ADJ
ajfa-4326	270	22	venture	venture	NOUN
ajfa-4326	270	23	is	be	AUX
ajfa-4326	270	24	in	in	ADP
ajfa-4326	270	25	unexpected	unexpected	ADJ
ajfa-4326	270	26	direction	direction	NOUN
ajfa-4326	270	27	and	and	CCONJ
ajfa-4326	270	28	the	the	DET
ajfa-4326	270	29	coefficient	coefficient	NOUN
ajfa-4326	270	30	is	be	AUX
ajfa-4326	270	31	also	also	ADV
ajfa-4326	270	32	not	not	PART
ajfa-4326	270	33	significant	significant	ADJ
ajfa-4326	270	34	.	.	PUNCT
ajfa-4326	271	1	it	it	PRON
ajfa-4326	271	2	is	be	AUX
ajfa-4326	271	3	surprising	surprising	ADJ
ajfa-4326	271	4	result	result	NOUN
ajfa-4326	271	5	considering	consider	VERB
ajfa-4326	271	6	the	the	DET
ajfa-4326	271	7	fact	fact	NOUN
ajfa-4326	271	8	that	that	SCONJ
ajfa-4326	271	9	the	the	DET
ajfa-4326	271	10	foreign	foreign	ADJ
ajfa-4326	271	11	joint	joint	ADJ
ajfa-4326	271	12	venture	venture	NOUN
ajfa-4326	271	13	and	and	CCONJ
ajfa-4326	271	14	old	old	ADJ
ajfa-4326	271	15	banks	bank	NOUN
ajfa-4326	271	16	are	be	AUX
ajfa-4326	271	17	considered	consider	VERB
ajfa-4326	271	18	to	to	PART
ajfa-4326	271	19	be	be	AUX
ajfa-4326	271	20	more	more	ADV
ajfa-4326	271	21	efficient	efficient	ADJ
ajfa-4326	271	22	.	.	PUNCT
ajfa-4326	272	1	likewise	likewise	ADV
ajfa-4326	272	2	,	,	PUNCT
ajfa-4326	272	3	the	the	DET
ajfa-4326	272	4	coefficient	coefficient	NOUN
ajfa-4326	272	5	of	of	ADP
ajfa-4326	272	6	npl	npl	PROPN
ajfa-4326	272	7	is	be	AUX
ajfa-4326	272	8	positive	positive	ADJ
ajfa-4326	272	9	but	but	CCONJ
ajfa-4326	272	10	also	also	ADV
ajfa-4326	272	11	insignificant	insignificant	ADJ
ajfa-4326	272	12	under	under	ADP
ajfa-4326	272	13	both	both	PRON
ajfa-4326	272	14	crs	crs	PROPN
ajfa-4326	272	15	and	and	CCONJ
ajfa-4326	272	16	vrs	vrs	PROPN
ajfa-4326	272	17	technology	technology	NOUN
ajfa-4326	272	18	which	which	PRON
ajfa-4326	272	19	is	be	AUX
ajfa-4326	272	20	similar	similar	ADJ
ajfa-4326	272	21	to	to	ADP
ajfa-4326	272	22	the	the	DET
ajfa-4326	272	23	results	result	NOUN
ajfa-4326	272	24	reported	report	VERB
ajfa-4326	272	25	by	by	ADP
ajfa-4326	272	26	sufian	sufian	PROPN
ajfa-4326	272	27	(	(	PUNCT
ajfa-4326	272	28	2012	2012	NUM
ajfa-4326	272	29	)	)	PUNCT
ajfa-4326	272	30	.	.	PUNCT
ajfa-4326	273	1	the	the	DET
ajfa-4326	273	2	result	result	NOUN
ajfa-4326	273	3	is	be	AUX
ajfa-4326	273	4	close	close	ADJ
ajfa-4326	273	5	to	to	ADP
ajfa-4326	273	6	what	what	PRON
ajfa-4326	273	7	is	be	AUX
ajfa-4326	273	8	called	call	VERB
ajfa-4326	273	9	skimping	skimp	VERB
ajfa-4326	273	10	hypothesis	hypothesis	NOUN
ajfa-4326	273	11	.	.	PUNCT
ajfa-4326	274	1	berger	berger	PROPN
ajfa-4326	274	2	and	and	CCONJ
ajfa-4326	274	3	de	de	X
ajfa-4326	274	4	young	young	ADJ
ajfa-4326	274	5	(	(	PUNCT
ajfa-4326	274	6	1997	1997	NUM
ajfa-4326	274	7	)	)	PUNCT
ajfa-4326	274	8	suggests	suggest	VERB
ajfa-4326	274	9	that	that	SCONJ
ajfa-4326	274	10	under	under	ADP
ajfa-4326	274	11	the	the	DET
ajfa-4326	274	12	skimping	skimp	VERB
ajfa-4326	274	13	hypothesis	hypothesis	NOUN
ajfa-4326	274	14	,	,	PUNCT
ajfa-4326	274	15	a	a	DET
ajfa-4326	274	16	bank	bank	NOUN
ajfa-4326	274	17	maximizing	maximize	VERB
ajfa-4326	274	18	the	the	DET
ajfa-4326	274	19	long	long	ADJ
ajfa-4326	274	20	run	run	NOUN
ajfa-4326	274	21	profits	profit	NOUN
ajfa-4326	274	22	may	may	AUX
ajfa-4326	274	23	rationally	rationally	ADV
ajfa-4326	274	24	choose	choose	VERB
ajfa-4326	274	25	to	to	PART
ajfa-4326	274	26	have	have	VERB
ajfa-4326	274	27	lower	low	ADJ
ajfa-4326	274	28	costs	cost	NOUN
ajfa-4326	274	29	in	in	ADP
ajfa-4326	274	30	the	the	DET
ajfa-4326	274	31	short	short	ADJ
ajfa-4326	274	32	run	run	NOUN
ajfa-4326	274	33	by	by	ADP
ajfa-4326	274	34	skimping	skimp	VERB
ajfa-4326	274	35	on	on	ADP
ajfa-4326	274	36	the	the	DET
ajfa-4326	274	37	resources	resource	NOUN
ajfa-4326	274	38	devoted	devote	VERB
ajfa-4326	274	39	to	to	ADP
ajfa-4326	274	40	loans	loan	NOUN
ajfa-4326	274	41	underwriting	underwriting	NOUN
ajfa-4326	274	42	and	and	CCONJ
ajfa-4326	274	43	monitoring	monitoring	NOUN
ajfa-4326	274	44	,	,	PUNCT
ajfa-4326	274	45	but	but	CCONJ
ajfa-4326	274	46	bear	bear	VERB
ajfa-4326	274	47	the	the	DET
ajfa-4326	274	48	consequences	consequence	NOUN
ajfa-4326	274	49	of	of	ADP
ajfa-4326	274	50	greater	great	ADJ
ajfa-4326	274	51	loans	loan	NOUN
ajfa-4326	274	52	performance	performance	NOUN
ajfa-4326	274	53	problem	problem	NOUN
ajfa-4326	274	54	.	.	PUNCT
ajfa-4326	275	1	asian	asian	ADJ
ajfa-4326	275	2	journal	journal	PROPN
ajfa-4326	275	3	of	of	ADP
ajfa-4326	275	4	finance	finance	PROPN
ajfa-4326	275	5	&	&	CCONJ
ajfa-4326	275	6	accounting	accounting	PROPN
ajfa-4326	275	7	issn	issn	PROPN
ajfa-4326	275	8	1946	1946	NUM
ajfa-4326	275	9	-	-	PUNCT
ajfa-4326	275	10	052x	052x	NOUN
ajfa-4326	275	11	2013	2013	NUM
ajfa-4326	275	12	,	,	PUNCT
ajfa-4326	275	13	vol	vol	NOUN
ajfa-4326	275	14	.	.	PROPN
ajfa-4326	275	15	5	5	NUM
ajfa-4326	275	16	,	,	PUNCT
ajfa-4326	275	17	no	no	INTJ
ajfa-4326	275	18	.	.	NOUN
ajfa-4326	275	19	2	2	NUM
ajfa-4326	275	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	275	21	238	238	NUM
ajfa-4326	275	22	table	table	NOUN
ajfa-4326	275	23	13	13	NUM
ajfa-4326	275	24	.	.	PUNCT
ajfa-4326	276	1	results	result	NOUN
ajfa-4326	276	2	of	of	ADP
ajfa-4326	276	3	tobit	tobit	NOUN
ajfa-4326	276	4	regression	regression	NOUN
ajfa-4326	276	5	on	on	ADP
ajfa-4326	276	6	efficiency	efficiency	NOUN
ajfa-4326	276	7	scores	score	NOUN
ajfa-4326	276	8	on	on	ADP
ajfa-4326	276	9	bank	bank	NOUN
ajfa-4326	276	10	indicators	indicator	NOUN
ajfa-4326	276	11	dependent	dependent	ADJ
ajfa-4326	276	12	variable	variable	ADJ
ajfa-4326	276	13	ecrs	ecr	NOUN
ajfa-4326	276	14	evrs	evrs	PROPN
ajfa-4326	276	15	strc	strc	VERB
ajfa-4326	276	16	0.059455	0.059455	NUM
ajfa-4326	276	17	0.048424	0.048424	NUM
ajfa-4326	276	18	(	(	PUNCT
ajfa-4326	276	19	0.03684	0.03684	NUM
ajfa-4326	276	20	)	)	PUNCT
ajfa-4326	276	21	(	(	PUNCT
ajfa-4326	276	22	0.03224	0.03224	NUM
ajfa-4326	276	23	)	)	PUNCT
ajfa-4326	276	24	lnp	lnp	PROPN
ajfa-4326	276	25	0.029532	0.029532	NUM
ajfa-4326	276	26	*	*	PUNCT
ajfa-4326	276	27	*	*	PUNCT
ajfa-4326	277	1	0.034178	0.034178	NUM
ajfa-4326	277	2	*	*	PUNCT
ajfa-4326	277	3	(	(	PUNCT
ajfa-4326	277	4	0.01200	0.01200	NUM
ajfa-4326	277	5	)	)	PUNCT
ajfa-4326	277	6	(	(	PUNCT
ajfa-4326	277	7	0.01050	0.01050	NUM
ajfa-4326	277	8	)	)	PUNCT
ajfa-4326	277	9	lev	lev	NOUN
ajfa-4326	277	10	0.02147	0.02147	NUM
ajfa-4326	277	11	*	*	SYM
ajfa-4326	277	12	0.014698	0.014698	NUM
ajfa-4326	277	13	*	*	SYM
ajfa-4326	277	14	*	*	PUNCT
ajfa-4326	277	15	(	(	PUNCT
ajfa-4326	277	16	0.00793	0.00793	NUM
ajfa-4326	277	17	)	)	PUNCT
ajfa-4326	277	18	(	(	PUNCT
ajfa-4326	277	19	0.00694	0.00694	NUM
ajfa-4326	277	20	)	)	PUNCT
ajfa-4326	277	21	loa	loa	NOUN
ajfa-4326	277	22	0.014417	0.014417	NUM
ajfa-4326	277	23	0.042285	0.042285	NUM
ajfa-4326	277	24	(	(	PUNCT
ajfa-4326	277	25	0.10680	0.10680	NUM
ajfa-4326	277	26	)	)	PUNCT
ajfa-4326	277	27	(	(	PUNCT
ajfa-4326	277	28	0.09345	0.09345	NUM
ajfa-4326	277	29	)	)	PUNCT
ajfa-4326	277	30	npl	npl	PROPN
ajfa-4326	277	31	1.940538	1.940538	NUM
ajfa-4326	277	32	1.866904	1.866904	NUM
ajfa-4326	277	33	(	(	PUNCT
ajfa-4326	277	34	1.46838	1.46838	NUM
ajfa-4326	277	35	)	)	PUNCT
ajfa-4326	277	36	(	(	PUNCT
ajfa-4326	277	37	1.28487	1.28487	NUM
ajfa-4326	277	38	)	)	PUNCT
ajfa-4326	278	1	rwa	rwa	PROPN
ajfa-4326	278	2	2.075036	2.075036	NUM
ajfa-4326	278	3	*	*	SYM
ajfa-4326	278	4	1.753671	1.753671	NUM
ajfa-4326	278	5	*	*	SYM
ajfa-4326	278	6	(	(	PUNCT
ajfa-4326	278	7	0.70222	0.70222	NUM
ajfa-4326	278	8	)	)	PUNCT
ajfa-4326	278	9	(	(	PUNCT
ajfa-4326	278	10	0.61446	0.61446	NUM
ajfa-4326	278	11	)	)	PUNCT
ajfa-4326	278	12	age	age	NOUN
ajfa-4326	278	13	-0.00206	-0.00206	NOUN
ajfa-4326	278	14	-0.002516	-0.002516	NOUN
ajfa-4326	278	15	(	(	PUNCT
ajfa-4326	278	16	0.00216	0.00216	NUM
ajfa-4326	278	17	)	)	PUNCT
ajfa-4326	278	18	(	(	PUNCT
ajfa-4326	278	19	0.00189	0.00189	NUM
ajfa-4326	278	20	)	)	PUNCT
ajfa-4326	278	21	size	size	NOUN
ajfa-4326	278	22	-0.007891	-0.007891	VERB
ajfa-4326	278	23	0.049682	0.049682	NUM
ajfa-4326	278	24	(	(	PUNCT
ajfa-4326	278	25	0.09615	0.09615	NUM
ajfa-4326	278	26	)	)	PUNCT
ajfa-4326	278	27	(	(	PUNCT
ajfa-4326	278	28	0.08413	0.08413	NUM
ajfa-4326	278	29	)	)	PUNCT
ajfa-4326	278	30	constant	constant	ADJ
ajfa-4326	278	31	0.259095	0.259095	NUM
ajfa-4326	278	32	0.086801	0.086801	NUM
ajfa-4326	278	33	(	(	PUNCT
ajfa-4326	278	34	0.45584	0.45584	NUM
ajfa-4326	278	35	)	)	PUNCT
ajfa-4326	278	36	(	(	PUNCT
ajfa-4326	278	37	0.39887	0.39887	NUM
ajfa-4326	278	38	)	)	PUNCT
ajfa-4326	278	39	*	*	PUNCT
ajfa-4326	278	40	significant	significant	ADJ
ajfa-4326	278	41	at	at	ADP
ajfa-4326	278	42	1	1	NUM
ajfa-4326	278	43	%	%	NOUN
ajfa-4326	278	44	level	level	NOUN
ajfa-4326	278	45	*	*	PUNCT
ajfa-4326	278	46	*	*	NOUN
ajfa-4326	278	47	significant	significant	ADJ
ajfa-4326	278	48	at	at	ADP
ajfa-4326	278	49	5	5	NUM
ajfa-4326	278	50	%	%	NOUN
ajfa-4326	278	51	level	level	NOUN
ajfa-4326	278	52	as	as	SCONJ
ajfa-4326	278	53	expected	expect	VERB
ajfa-4326	278	54	rwa	rwa	PROPN
ajfa-4326	278	55	exhibits	exhibit	VERB
ajfa-4326	278	56	positive	positive	ADJ
ajfa-4326	278	57	relationship	relationship	NOUN
ajfa-4326	278	58	with	with	ADP
ajfa-4326	278	59	efficiency	efficiency	NOUN
ajfa-4326	278	60	(	(	PUNCT
ajfa-4326	278	61	the	the	DET
ajfa-4326	278	62	coefficient	coefficient	NOUN
ajfa-4326	278	63	is	be	AUX
ajfa-4326	278	64	significant	significant	ADJ
ajfa-4326	278	65	at	at	ADP
ajfa-4326	278	66	1	1	NUM
ajfa-4326	278	67	percent	percent	NOUN
ajfa-4326	278	68	level	level	NOUN
ajfa-4326	278	69	)	)	PUNCT
ajfa-4326	278	70	.	.	PUNCT
ajfa-4326	279	1	this	this	DET
ajfa-4326	279	2	result	result	NOUN
ajfa-4326	279	3	suggests	suggest	VERB
ajfa-4326	279	4	that	that	SCONJ
ajfa-4326	279	5	the	the	DET
ajfa-4326	279	6	banks	bank	NOUN
ajfa-4326	279	7	(	(	PUNCT
ajfa-4326	279	8	with	with	ADP
ajfa-4326	279	9	adequate	adequate	ADJ
ajfa-4326	279	10	capital	capital	NOUN
ajfa-4326	279	11	fund	fund	NOUN
ajfa-4326	279	12	to	to	PART
ajfa-4326	279	13	cover	cover	VERB
ajfa-4326	279	14	risky	risky	ADJ
ajfa-4326	279	15	assets	asset	NOUN
ajfa-4326	279	16	)	)	PUNCT
ajfa-4326	279	17	are	be	AUX
ajfa-4326	279	18	performing	perform	VERB
ajfa-4326	279	19	efficiently	efficiently	ADV
ajfa-4326	279	20	as	as	SCONJ
ajfa-4326	279	21	they	they	PRON
ajfa-4326	279	22	are	be	AUX
ajfa-4326	279	23	able	able	ADJ
ajfa-4326	279	24	to	to	PART
ajfa-4326	279	25	withstand	withstand	VERB
ajfa-4326	279	26	any	any	DET
ajfa-4326	279	27	financial	financial	ADJ
ajfa-4326	279	28	shocks	shock	NOUN
ajfa-4326	279	29	to	to	ADP
ajfa-4326	279	30	their	their	PRON
ajfa-4326	279	31	balance	balance	NOUN
ajfa-4326	279	32	sheet	sheet	NOUN
ajfa-4326	279	33	.	.	PUNCT
ajfa-4326	280	1	lnp	lnp	PROPN
ajfa-4326	280	2	is	be	AUX
ajfa-4326	280	3	in	in	ADP
ajfa-4326	280	4	the	the	DET
ajfa-4326	280	5	expected	expect	VERB
ajfa-4326	280	6	direction	direction	NOUN
ajfa-4326	280	7	with	with	ADP
ajfa-4326	280	8	significant	significant	ADJ
ajfa-4326	280	9	positive	positive	ADJ
ajfa-4326	280	10	correlation	correlation	NOUN
ajfa-4326	280	11	.	.	PUNCT
ajfa-4326	281	1	the	the	DET
ajfa-4326	281	2	relationship	relationship	NOUN
ajfa-4326	281	3	between	between	ADP
ajfa-4326	281	4	efficiency	efficiency	NOUN
ajfa-4326	281	5	and	and	CCONJ
ajfa-4326	281	6	profitability	profitability	NOUN
ajfa-4326	281	7	is	be	AUX
ajfa-4326	281	8	positive	positive	ADJ
ajfa-4326	281	9	which	which	PRON
ajfa-4326	281	10	suggests	suggest	VERB
ajfa-4326	281	11	that	that	SCONJ
ajfa-4326	281	12	profitable	profitable	ADJ
ajfa-4326	281	13	banks	bank	NOUN
ajfa-4326	281	14	are	be	AUX
ajfa-4326	281	15	somewhat	somewhat	ADV
ajfa-4326	281	16	efficient	efficient	ADJ
ajfa-4326	281	17	.	.	PUNCT
ajfa-4326	282	1	likewise	likewise	ADV
ajfa-4326	282	2	,	,	PUNCT
ajfa-4326	282	3	lev	lev	NOUN
ajfa-4326	282	4	as	as	ADP
ajfa-4326	282	5	a	a	DET
ajfa-4326	282	6	ratio	ratio	NOUN
ajfa-4326	282	7	of	of	ADP
ajfa-4326	282	8	debt	debt	NOUN
ajfa-4326	282	9	to	to	ADP
ajfa-4326	282	10	equity	equity	NOUN
ajfa-4326	282	11	is	be	AUX
ajfa-4326	282	12	also	also	ADV
ajfa-4326	282	13	in	in	ADP
ajfa-4326	282	14	the	the	DET
ajfa-4326	282	15	expected	expect	VERB
ajfa-4326	282	16	direction	direction	NOUN
ajfa-4326	282	17	.	.	PUNCT
ajfa-4326	283	1	the	the	DET
ajfa-4326	283	2	coefficient	coefficient	NOUN
ajfa-4326	283	3	of	of	ADP
ajfa-4326	283	4	lev	lev	NOUN
ajfa-4326	283	5	is	be	AUX
ajfa-4326	283	6	positive	positive	ADJ
ajfa-4326	283	7	and	and	CCONJ
ajfa-4326	283	8	significant	significant	ADJ
ajfa-4326	283	9	(	(	PUNCT
ajfa-4326	283	10	at	at	ADP
ajfa-4326	283	11	1	1	NUM
ajfa-4326	283	12	%	%	NOUN
ajfa-4326	283	13	for	for	ADP
ajfa-4326	283	14	ecrs	ecr	NOUN
ajfa-4326	283	15	and	and	CCONJ
ajfa-4326	283	16	at	at	ADP
ajfa-4326	283	17	5	5	NUM
ajfa-4326	283	18	%	%	NOUN
ajfa-4326	283	19	for	for	ADP
ajfa-4326	283	20	evrs	evrs	NOUN
ajfa-4326	283	21	)	)	PUNCT
ajfa-4326	283	22	.	.	PUNCT
ajfa-4326	284	1	lower	low	ADJ
ajfa-4326	284	2	capital	capital	NOUN
ajfa-4326	284	3	ratios	ratio	NOUN
ajfa-4326	284	4	in	in	ADP
ajfa-4326	284	5	banking	banking	NOUN
ajfa-4326	284	6	implies	imply	VERB
ajfa-4326	284	7	higher	high	ADJ
ajfa-4326	284	8	leverage	leverage	NOUN
ajfa-4326	284	9	and	and	CCONJ
ajfa-4326	284	10	risk	risk	NOUN
ajfa-4326	284	11	,	,	PUNCT
ajfa-4326	284	12	hence	hence	ADV
ajfa-4326	284	13	,	,	PUNCT
ajfa-4326	284	14	the	the	DET
ajfa-4326	284	15	results	result	NOUN
ajfa-4326	284	16	show	show	VERB
ajfa-4326	284	17	that	that	SCONJ
ajfa-4326	284	18	better	well	ADJ
ajfa-4326	284	19	capitalized	capitalize	VERB
ajfa-4326	284	20	banks	bank	NOUN
ajfa-4326	284	21	exhibit	exhibit	VERB
ajfa-4326	284	22	better	well	ADJ
ajfa-4326	284	23	efficiency	efficiency	NOUN
ajfa-4326	284	24	and	and	CCONJ
ajfa-4326	284	25	productivity	productivity	NOUN
ajfa-4326	284	26	.	.	PUNCT
ajfa-4326	285	1	the	the	DET
ajfa-4326	285	2	comparative	comparative	ADJ
ajfa-4326	285	3	analysis	analysis	NOUN
ajfa-4326	285	4	of	of	ADP
ajfa-4326	285	5	lev	lev	NOUN
ajfa-4326	285	6	and	and	CCONJ
ajfa-4326	285	7	lnp	lnp	PROPN
ajfa-4326	285	8	suggests	suggest	VERB
ajfa-4326	285	9	that	that	SCONJ
ajfa-4326	285	10	firm	firm	NOUN
ajfa-4326	285	11	with	with	ADP
ajfa-4326	285	12	greater	great	ADJ
ajfa-4326	285	13	leverage	leverage	NOUN
ajfa-4326	285	14	is	be	AUX
ajfa-4326	285	15	able	able	ADJ
ajfa-4326	285	16	to	to	PART
ajfa-4326	285	17	attract	attract	VERB
ajfa-4326	285	18	more	more	ADJ
ajfa-4326	285	19	deposits	deposit	NOUN
ajfa-4326	285	20	at	at	ADP
ajfa-4326	285	21	lower	low	ADJ
ajfa-4326	285	22	cost	cost	NOUN
ajfa-4326	285	23	which	which	PRON
ajfa-4326	285	24	in	in	ADP
ajfa-4326	285	25	turn	turn	NOUN
ajfa-4326	285	26	reflect	reflect	VERB
ajfa-4326	285	27	in	in	ADP
ajfa-4326	285	28	higher	high	ADJ
ajfa-4326	285	29	and	and	CCONJ
ajfa-4326	285	30	better	well	ADJ
ajfa-4326	285	31	loans	loan	NOUN
ajfa-4326	285	32	.	.	PUNCT
ajfa-4326	286	1	higher	high	ADJ
ajfa-4326	286	2	loans	loan	NOUN
ajfa-4326	286	3	result	result	VERB
ajfa-4326	286	4	in	in	ADP
ajfa-4326	286	5	greater	great	ADJ
ajfa-4326	286	6	interest	interest	NOUN
ajfa-4326	286	7	income	income	NOUN
ajfa-4326	286	8	which	which	PRON
ajfa-4326	286	9	improves	improve	VERB
ajfa-4326	286	10	the	the	DET
ajfa-4326	286	11	profitability	profitability	NOUN
ajfa-4326	286	12	of	of	ADP
ajfa-4326	286	13	the	the	DET
ajfa-4326	286	14	bank	bank	NOUN
ajfa-4326	286	15	.	.	PUNCT
ajfa-4326	287	1	likewise	likewise	ADV
ajfa-4326	287	2	,	,	PUNCT
ajfa-4326	287	3	the	the	DET
ajfa-4326	287	4	coefficient	coefficient	NOUN
ajfa-4326	287	5	of	of	ADP
ajfa-4326	287	6	loa	loa	NOUN
ajfa-4326	287	7	is	be	AUX
ajfa-4326	287	8	positive	positive	ADJ
ajfa-4326	287	9	(	(	PUNCT
ajfa-4326	287	10	but	but	CCONJ
ajfa-4326	287	11	not	not	PART
ajfa-4326	287	12	significant	significant	ADJ
ajfa-4326	287	13	in	in	ADP
ajfa-4326	287	14	both	both	DET
ajfa-4326	287	15	cases	case	NOUN
ajfa-4326	287	16	)	)	PUNCT
ajfa-4326	287	17	which	which	PRON
ajfa-4326	287	18	suggests	suggest	VERB
ajfa-4326	287	19	that	that	SCONJ
ajfa-4326	287	20	there	there	PRON
ajfa-4326	287	21	is	be	VERB
ajfa-4326	287	22	negative	negative	ADJ
ajfa-4326	287	23	relationship	relationship	NOUN
ajfa-4326	287	24	between	between	ADP
ajfa-4326	287	25	bank	bank	NOUN
ajfa-4326	287	26	’s	’s	PART
ajfa-4326	287	27	efficiency	efficiency	NOUN
ajfa-4326	287	28	and	and	CCONJ
ajfa-4326	287	29	the	the	DET
ajfa-4326	287	30	level	level	NOUN
ajfa-4326	287	31	of	of	ADP
ajfa-4326	287	32	liquid	liquid	ADJ
ajfa-4326	287	33	assets	asset	NOUN
ajfa-4326	287	34	held	hold	VERB
ajfa-4326	287	35	by	by	ADP
ajfa-4326	287	36	the	the	DET
ajfa-4326	287	37	bank	bank	NOUN
ajfa-4326	287	38	.	.	PUNCT
ajfa-4326	288	1	as	as	ADP
ajfa-4326	288	2	the	the	DET
ajfa-4326	288	3	higher	high	ADJ
ajfa-4326	288	4	loa	loa	NOUN
ajfa-4326	288	5	denotes	denote	NOUN
ajfa-4326	288	6	lower	low	ADJ
ajfa-4326	288	7	liquidity	liquidity	NOUN
ajfa-4326	288	8	,	,	PUNCT
ajfa-4326	288	9	the	the	DET
ajfa-4326	288	10	result	result	NOUN
ajfa-4326	288	11	implies	imply	VERB
ajfa-4326	288	12	that	that	SCONJ
ajfa-4326	288	13	the	the	DET
ajfa-4326	288	14	less	less	ADJ
ajfa-4326	288	15	(	(	PUNCT
ajfa-4326	288	16	more	more	ADJ
ajfa-4326	288	17	)	)	PUNCT
ajfa-4326	288	18	liquid	liquid	ADJ
ajfa-4326	288	19	banks	bank	NOUN
ajfa-4326	288	20	tend	tend	VERB
ajfa-4326	288	21	to	to	PART
ajfa-4326	288	22	exhibit	exhibit	VERB
ajfa-4326	288	23	higher	high	ADJ
ajfa-4326	288	24	(	(	PUNCT
ajfa-4326	288	25	lower	low	ADJ
ajfa-4326	288	26	)	)	PUNCT
ajfa-4326	288	27	efficiency	efficiency	NOUN
ajfa-4326	288	28	levels	level	NOUN
ajfa-4326	288	29	(	(	PUNCT
ajfa-4326	288	30	sufian	sufian	PROPN
ajfa-4326	288	31	,	,	PUNCT
ajfa-4326	288	32	2012	2012	NUM
ajfa-4326	288	33	)	)	PUNCT
ajfa-4326	288	34	.	.	PUNCT
ajfa-4326	289	1	thus	thus	ADV
ajfa-4326	289	2	,	,	PUNCT
ajfa-4326	289	3	it	it	PRON
ajfa-4326	289	4	can	can	AUX
ajfa-4326	289	5	be	be	AUX
ajfa-4326	289	6	seen	see	VERB
ajfa-4326	289	7	that	that	SCONJ
ajfa-4326	289	8	banks	bank	NOUN
ajfa-4326	289	9	with	with	ADP
ajfa-4326	289	10	higher	high	ADJ
ajfa-4326	289	11	loan	loan	NOUN
ajfa-4326	289	12	-	-	PUNCT
ajfa-4326	289	13	to	to	ADP
ajfa-4326	289	14	-	-	PUNCT
ajfa-4326	289	15	assets	asset	NOUN
ajfa-4326	289	16	ratio	ratio	NOUN
ajfa-4326	289	17	tends	tend	VERB
ajfa-4326	289	18	to	to	PART
ajfa-4326	289	19	be	be	AUX
ajfa-4326	289	20	more	more	ADV
ajfa-4326	289	21	productive	productive	ADJ
ajfa-4326	289	22	which	which	PRON
ajfa-4326	289	23	shows	show	VERB
ajfa-4326	289	24	that	that	SCONJ
ajfa-4326	289	25	bank	bank	NOUN
ajfa-4326	289	26	loans	loan	NOUN
ajfa-4326	289	27	seem	seem	VERB
ajfa-4326	289	28	are	be	AUX
ajfa-4326	289	29	more	more	ADV
ajfa-4326	289	30	highly	highly	ADV
ajfa-4326	289	31	valued	value	VERB
ajfa-4326	289	32	than	than	ADP
ajfa-4326	289	33	alternative	alternative	ADJ
ajfa-4326	289	34	bank	bank	NOUN
ajfa-4326	289	35	outputs	output	NOUN
ajfa-4326	289	36	i.e.	i.e.	X
ajfa-4326	289	37	,	,	PUNCT
ajfa-4326	289	38	investment	investment	NOUN
ajfa-4326	289	39	and	and	CCONJ
ajfa-4326	289	40	securities	security	NOUN
ajfa-4326	289	41	.	.	PUNCT
ajfa-4326	290	1	asian	asian	ADJ
ajfa-4326	290	2	journal	journal	PROPN
ajfa-4326	290	3	of	of	ADP
ajfa-4326	290	4	finance	finance	PROPN
ajfa-4326	290	5	&	&	CCONJ
ajfa-4326	290	6	accounting	accounting	PROPN
ajfa-4326	290	7	issn	issn	PROPN
ajfa-4326	290	8	1946	1946	NUM
ajfa-4326	290	9	-	-	PUNCT
ajfa-4326	290	10	052x	052x	NOUN
ajfa-4326	290	11	2013	2013	NUM
ajfa-4326	290	12	,	,	PUNCT
ajfa-4326	290	13	vol	vol	NOUN
ajfa-4326	290	14	.	.	PROPN
ajfa-4326	290	15	5	5	NUM
ajfa-4326	290	16	,	,	PUNCT
ajfa-4326	290	17	no	no	INTJ
ajfa-4326	290	18	.	.	NOUN
ajfa-4326	290	19	2	2	NUM
ajfa-4326	290	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	290	21	239	239	NUM
ajfa-4326	290	22	size	size	NOUN
ajfa-4326	290	23	as	as	ADP
ajfa-4326	290	24	a	a	DET
ajfa-4326	290	25	log	log	NOUN
ajfa-4326	290	26	of	of	ADP
ajfa-4326	290	27	assets	asset	NOUN
ajfa-4326	290	28	has	have	AUX
ajfa-4326	290	29	been	be	AUX
ajfa-4326	290	30	used	use	VERB
ajfa-4326	290	31	as	as	ADP
ajfa-4326	290	32	control	control	NOUN
ajfa-4326	290	33	variable	variable	NOUN
ajfa-4326	290	34	.	.	PUNCT
ajfa-4326	291	1	the	the	DET
ajfa-4326	291	2	coefficient	coefficient	NOUN
ajfa-4326	291	3	of	of	ADP
ajfa-4326	291	4	size	size	NOUN
ajfa-4326	291	5	is	be	AUX
ajfa-4326	291	6	negative	negative	ADJ
ajfa-4326	291	7	for	for	ADP
ajfa-4326	291	8	ecrs	ecr	NOUN
ajfa-4326	291	9	which	which	PRON
ajfa-4326	291	10	shows	show	VERB
ajfa-4326	291	11	that	that	SCONJ
ajfa-4326	291	12	marginal	marginal	ADJ
ajfa-4326	291	13	cost	cost	NOUN
ajfa-4326	291	14	savings	saving	NOUN
ajfa-4326	291	15	can	can	AUX
ajfa-4326	291	16	be	be	AUX
ajfa-4326	291	17	achieved	achieve	VERB
ajfa-4326	291	18	by	by	ADP
ajfa-4326	291	19	increasing	increase	VERB
ajfa-4326	291	20	the	the	DET
ajfa-4326	291	21	size	size	NOUN
ajfa-4326	291	22	of	of	ADP
ajfa-4326	291	23	the	the	DET
ajfa-4326	291	24	banking	banking	NOUN
ajfa-4326	291	25	firm	firm	NOUN
ajfa-4326	291	26	,	,	PUNCT
ajfa-4326	291	27	especially	especially	ADV
ajfa-4326	291	28	in	in	ADP
ajfa-4326	291	29	developing	develop	VERB
ajfa-4326	291	30	markets	market	NOUN
ajfa-4326	291	31	.	.	PUNCT
ajfa-4326	292	1	the	the	DET
ajfa-4326	292	2	result	result	NOUN
ajfa-4326	292	3	supports	support	VERB
ajfa-4326	292	4	the	the	DET
ajfa-4326	292	5	findings	finding	NOUN
ajfa-4326	292	6	of	of	ADP
ajfa-4326	292	7	spathis	spathis	PROPN
ajfa-4326	292	8	et	et	PROPN
ajfa-4326	292	9	.	.	PUNCT
ajfa-4326	293	1	al	al	PROPN
ajfa-4326	293	2	.	.	PROPN
ajfa-4326	294	1	(	(	PUNCT
ajfa-4326	294	2	2002	2002	NUM
ajfa-4326	294	3	)	)	PUNCT
ajfa-4326	294	4	,	,	PUNCT
ajfa-4326	294	5	and	and	CCONJ
ajfa-4326	294	6	kosmindu	kosmindu	NOUN
ajfa-4326	294	7	(	(	PUNCT
ajfa-4326	294	8	2008	2008	NUM
ajfa-4326	294	9	)	)	PUNCT
ajfa-4326	294	10	.	.	PUNCT
ajfa-4326	295	1	eichengreen	eichengreen	NOUN
ajfa-4326	295	2	and	and	CCONJ
ajfa-4326	295	3	gibson	gibson	PROPN
ajfa-4326	295	4	(	(	PUNCT
ajfa-4326	295	5	2001	2001	NUM
ajfa-4326	295	6	)	)	PUNCT
ajfa-4326	295	7	suggested	suggest	VERB
ajfa-4326	295	8	that	that	SCONJ
ajfa-4326	295	9	the	the	DET
ajfa-4326	295	10	effect	effect	NOUN
ajfa-4326	295	11	of	of	ADP
ajfa-4326	295	12	a	a	DET
ajfa-4326	295	13	growing	grow	VERB
ajfa-4326	295	14	bank	bank	NOUN
ajfa-4326	295	15	’s	’s	PART
ajfa-4326	295	16	size	size	NOUN
ajfa-4326	295	17	on	on	ADP
ajfa-4326	295	18	performance	performance	NOUN
ajfa-4326	295	19	may	may	AUX
ajfa-4326	295	20	be	be	AUX
ajfa-4326	295	21	positive	positive	ADJ
ajfa-4326	295	22	up	up	ADP
ajfa-4326	295	23	to	to	ADP
ajfa-4326	295	24	a	a	DET
ajfa-4326	295	25	certain	certain	ADJ
ajfa-4326	295	26	limit	limit	NOUN
ajfa-4326	295	27	.	.	PUNCT
ajfa-4326	296	1	beyond	beyond	ADP
ajfa-4326	296	2	this	this	DET
ajfa-4326	296	3	point	point	NOUN
ajfa-4326	296	4	the	the	DET
ajfa-4326	296	5	effect	effect	NOUN
ajfa-4326	296	6	of	of	ADP
ajfa-4326	296	7	size	size	NOUN
ajfa-4326	296	8	could	could	AUX
ajfa-4326	296	9	be	be	AUX
ajfa-4326	296	10	negative	negative	ADJ
ajfa-4326	296	11	due	due	ADJ
ajfa-4326	296	12	to	to	ADP
ajfa-4326	296	13	bureaucratic	bureaucratic	ADJ
ajfa-4326	296	14	and	and	CCONJ
ajfa-4326	296	15	other	other	ADJ
ajfa-4326	296	16	reasons	reason	NOUN
ajfa-4326	296	17	.	.	PUNCT
ajfa-4326	297	1	however	however	ADV
ajfa-4326	297	2	,	,	PUNCT
ajfa-4326	297	3	the	the	DET
ajfa-4326	297	4	coefficient	coefficient	NOUN
ajfa-4326	297	5	of	of	ADP
ajfa-4326	297	6	size	size	NOUN
ajfa-4326	297	7	is	be	AUX
ajfa-4326	297	8	positive	positive	ADJ
ajfa-4326	297	9	for	for	ADP
ajfa-4326	297	10	evrs	evrs	NOUN
ajfa-4326	297	11	which	which	PRON
ajfa-4326	297	12	suggests	suggest	VERB
ajfa-4326	297	13	that	that	SCONJ
ajfa-4326	297	14	bigger	big	ADJ
ajfa-4326	297	15	banks	bank	NOUN
ajfa-4326	297	16	are	be	AUX
ajfa-4326	297	17	able	able	ADJ
ajfa-4326	297	18	to	to	PART
ajfa-4326	297	19	achieve	achieve	VERB
ajfa-4326	297	20	efficiency	efficiency	NOUN
ajfa-4326	297	21	under	under	ADP
ajfa-4326	297	22	variable	variable	ADJ
ajfa-4326	297	23	returns	return	NOUN
ajfa-4326	297	24	to	to	PART
ajfa-4326	297	25	scale	scale	VERB
ajfa-4326	297	26	assumptions	assumption	NOUN
ajfa-4326	297	27	.	.	PUNCT
ajfa-4326	298	1	finally	finally	ADV
ajfa-4326	298	2	,	,	PUNCT
ajfa-4326	298	3	regression	regression	VERB
ajfa-4326	298	4	diagnostic	diagnostic	ADJ
ajfa-4326	298	5	tests	test	NOUN
ajfa-4326	298	6	such	such	ADJ
ajfa-4326	298	7	as	as	ADP
ajfa-4326	298	8	redundant	redundant	ADJ
ajfa-4326	298	9	variable	variable	ADJ
ajfa-4326	298	10	test	test	NOUN
ajfa-4326	298	11	,	,	PUNCT
ajfa-4326	298	12	wald	wald	NOUN
ajfa-4326	298	13	-	-	PUNCT
ajfa-4326	298	14	coefficient	coefficient	PROPN
ajfa-4326	298	15	restrictions	restriction	NOUN
ajfa-4326	298	16	test	test	VERB
ajfa-4326	298	17	and	and	CCONJ
ajfa-4326	298	18	jarque	jarque	NOUN
ajfa-4326	298	19	-	-	PUNCT
ajfa-4326	298	20	bera	bera	NOUN
ajfa-4326	298	21	test	test	NOUN
ajfa-4326	298	22	has	have	AUX
ajfa-4326	298	23	been	be	AUX
ajfa-4326	298	24	performed	perform	VERB
ajfa-4326	298	25	to	to	PART
ajfa-4326	298	26	validate	validate	VERB
ajfa-4326	298	27	the	the	DET
ajfa-4326	298	28	results	result	NOUN
ajfa-4326	298	29	of	of	ADP
ajfa-4326	298	30	the	the	DET
ajfa-4326	298	31	tobit	tobit	NOUN
ajfa-4326	298	32	regression	regression	NOUN
ajfa-4326	298	33	.	.	PUNCT
ajfa-4326	299	1	the	the	DET
ajfa-4326	299	2	redundant	redundant	ADJ
ajfa-4326	299	3	variable	variable	NOUN
ajfa-4326	299	4	and	and	CCONJ
ajfa-4326	299	5	wald	wald	PROPN
ajfa-4326	299	6	test	test	NOUN
ajfa-4326	299	7	rejects	reject	VERB
ajfa-4326	299	8	the	the	DET
ajfa-4326	299	9	hypothesis	hypothesis	NOUN
ajfa-4326	299	10	that	that	PRON
ajfa-4326	299	11	significant	significant	ADJ
ajfa-4326	299	12	variables	variable	NOUN
ajfa-4326	299	13	(	(	PUNCT
ajfa-4326	299	14	lnp	lnp	PROPN
ajfa-4326	299	15	,	,	PUNCT
ajfa-4326	299	16	lev	lev	NOUN
ajfa-4326	299	17	and	and	CCONJ
ajfa-4326	299	18	rwa	rwa	NOUN
ajfa-4326	299	19	)	)	PUNCT
ajfa-4326	299	20	are	be	AUX
ajfa-4326	299	21	redundant	redundant	ADJ
ajfa-4326	299	22	with	with	ADP
ajfa-4326	299	23	likelihood	likelihood	ADJ
ajfa-4326	299	24	ratio	ratio	NOUN
ajfa-4326	299	25	of	of	ADP
ajfa-4326	299	26	10.17	10.17	NUM
ajfa-4326	299	27	(	(	PUNCT
ajfa-4326	299	28	significant	significant	ADJ
ajfa-4326	299	29	at	at	ADP
ajfa-4326	299	30	5	5	NUM
ajfa-4326	299	31	%	%	NOUN
ajfa-4326	299	32	level	level	NOUN
ajfa-4326	299	33	)	)	PUNCT
ajfa-4326	299	34	.	.	PUNCT
ajfa-4326	300	1	likewise	likewise	ADV
ajfa-4326	300	2	,	,	PUNCT
ajfa-4326	300	3	residual	residual	ADJ
ajfa-4326	300	4	diagnostics	diagnostic	NOUN
ajfa-4326	300	5	test	test	NOUN
ajfa-4326	300	6	was	be	AUX
ajfa-4326	300	7	conducted	conduct	VERB
ajfa-4326	300	8	to	to	PART
ajfa-4326	300	9	determine	determine	VERB
ajfa-4326	300	10	whether	whether	SCONJ
ajfa-4326	300	11	the	the	DET
ajfa-4326	300	12	residuals	residual	NOUN
ajfa-4326	300	13	are	be	AUX
ajfa-4326	300	14	normally	normally	ADV
ajfa-4326	300	15	distributed	distribute	VERB
ajfa-4326	300	16	or	or	CCONJ
ajfa-4326	300	17	not	not	PART
ajfa-4326	300	18	.	.	PUNCT
ajfa-4326	301	1	jarque	jarque	NOUN
ajfa-4326	301	2	-	-	PUNCT
ajfa-4326	301	3	bera	bera	NOUN
ajfa-4326	301	4	stat	stat	NOUN
ajfa-4326	301	5	was	be	AUX
ajfa-4326	301	6	not	not	PART
ajfa-4326	301	7	significant	significant	ADJ
ajfa-4326	301	8	at	at	ADP
ajfa-4326	301	9	5	5	NUM
ajfa-4326	301	10	%	%	NOUN
ajfa-4326	301	11	level	level	NOUN
ajfa-4326	301	12	;	;	PUNCT
ajfa-4326	301	13	hence	hence	ADV
ajfa-4326	301	14	,	,	PUNCT
ajfa-4326	301	15	it	it	PRON
ajfa-4326	301	16	is	be	AUX
ajfa-4326	301	17	found	find	VERB
ajfa-4326	301	18	that	that	SCONJ
ajfa-4326	301	19	the	the	DET
ajfa-4326	301	20	population	population	NOUN
ajfa-4326	301	21	residual	residual	ADJ
ajfa-4326	301	22	is	be	AUX
ajfa-4326	301	23	normally	normally	ADV
ajfa-4326	301	24	distributed	distribute	VERB
ajfa-4326	301	25	.	.	PUNCT
ajfa-4326	302	1	6	6	X
ajfa-4326	302	2	.	.	X
ajfa-4326	302	3	conclusion	conclusion	VERB
ajfa-4326	302	4	the	the	DET
ajfa-4326	302	5	paper	paper	NOUN
ajfa-4326	302	6	attempts	attempt	VERB
ajfa-4326	302	7	to	to	PART
ajfa-4326	302	8	analyze	analyze	VERB
ajfa-4326	302	9	the	the	DET
ajfa-4326	302	10	efficiency	efficiency	NOUN
ajfa-4326	302	11	of	of	ADP
ajfa-4326	302	12	commercial	commercial	ADJ
ajfa-4326	302	13	banks	bank	NOUN
ajfa-4326	302	14	in	in	ADP
ajfa-4326	302	15	nepal	nepal	NOUN
ajfa-4326	302	16	during	during	ADP
ajfa-4326	302	17	the	the	DET
ajfa-4326	302	18	period	period	NOUN
ajfa-4326	302	19	2007/08	2007/08	NUM
ajfa-4326	302	20	to	to	ADP
ajfa-4326	302	21	2011/12	2011/12	NUM
ajfa-4326	302	22	.	.	PUNCT
ajfa-4326	303	1	the	the	DET
ajfa-4326	303	2	efficiency	efficiency	NOUN
ajfa-4326	303	3	and	and	CCONJ
ajfa-4326	303	4	productivity	productivity	NOUN
ajfa-4326	303	5	estimates	estimate	NOUN
ajfa-4326	303	6	are	be	AUX
ajfa-4326	303	7	computed	compute	VERB
ajfa-4326	303	8	using	use	VERB
ajfa-4326	303	9	mi	mi	PROPN
ajfa-4326	303	10	.	.	PROPN
ajfa-4326	303	11	deap	deap	PROPN
ajfa-4326	303	12	v	v	ADP
ajfa-4326	303	13	2.1	2.1	NUM
ajfa-4326	303	14	developed	develop	VERB
ajfa-4326	303	15	by	by	ADP
ajfa-4326	303	16	coelli	coelli	PROPN
ajfa-4326	303	17	(	(	PUNCT
ajfa-4326	303	18	1996	1996	NUM
ajfa-4326	303	19	)	)	PUNCT
ajfa-4326	303	20	has	have	AUX
ajfa-4326	303	21	been	be	AUX
ajfa-4326	303	22	used	use	VERB
ajfa-4326	303	23	to	to	PART
ajfa-4326	303	24	calculate	calculate	VERB
ajfa-4326	303	25	all	all	DET
ajfa-4326	303	26	the	the	DET
ajfa-4326	303	27	indices	index	NOUN
ajfa-4326	303	28	.	.	PUNCT
ajfa-4326	304	1	the	the	DET
ajfa-4326	304	2	mi	mi	PROPN
ajfa-4326	304	3	allows	allow	VERB
ajfa-4326	304	4	isolating	isolate	VERB
ajfa-4326	304	5	efforts	effort	NOUN
ajfa-4326	304	6	to	to	PART
ajfa-4326	304	7	catch	catch	VERB
ajfa-4326	304	8	up	up	ADP
ajfa-4326	304	9	to	to	ADP
ajfa-4326	304	10	the	the	DET
ajfa-4326	304	11	frontier	frontier	NOUN
ajfa-4326	304	12	(	(	PUNCT
ajfa-4326	304	13	efficiency	efficiency	NOUN
ajfa-4326	304	14	change	change	NOUN
ajfa-4326	304	15	)	)	PUNCT
ajfa-4326	304	16	from	from	ADP
ajfa-4326	304	17	shifts	shift	NOUN
ajfa-4326	304	18	in	in	ADP
ajfa-4326	304	19	the	the	DET
ajfa-4326	304	20	frontier	frontier	NOUN
ajfa-4326	304	21	(	(	PUNCT
ajfa-4326	304	22	technological	technological	ADJ
ajfa-4326	304	23	change	change	NOUN
ajfa-4326	304	24	)	)	PUNCT
ajfa-4326	304	25	and	and	CCONJ
ajfa-4326	304	26	also	also	ADV
ajfa-4326	304	27	explains	explain	VERB
ajfa-4326	304	28	the	the	DET
ajfa-4326	304	29	main	main	ADJ
ajfa-4326	304	30	sources	source	NOUN
ajfa-4326	304	31	of	of	ADP
ajfa-4326	304	32	efficiency	efficiency	NOUN
ajfa-4326	304	33	change	change	NOUN
ajfa-4326	304	34	:	:	PUNCT
ajfa-4326	304	35	either	either	CCONJ
ajfa-4326	304	36	improvements	improvement	NOUN
ajfa-4326	304	37	in	in	ADP
ajfa-4326	304	38	management	management	NOUN
ajfa-4326	304	39	practices	practice	NOUN
ajfa-4326	304	40	(	(	PUNCT
ajfa-4326	304	41	pure	pure	ADJ
ajfa-4326	304	42	technical	technical	ADJ
ajfa-4326	304	43	efficiency	efficiency	NOUN
ajfa-4326	304	44	change	change	NOUN
ajfa-4326	304	45	)	)	PUNCT
ajfa-4326	304	46	or	or	CCONJ
ajfa-4326	304	47	improvements	improvement	NOUN
ajfa-4326	304	48	towards	towards	ADP
ajfa-4326	304	49	optimal	optimal	ADJ
ajfa-4326	304	50	size	size	NOUN
ajfa-4326	304	51	(	(	PUNCT
ajfa-4326	304	52	scale	scale	NOUN
ajfa-4326	304	53	efficiency	efficiency	NOUN
ajfa-4326	304	54	change	change	NOUN
ajfa-4326	304	55	)	)	PUNCT
ajfa-4326	304	56	.	.	PUNCT
ajfa-4326	305	1	furthermore	furthermore	ADV
ajfa-4326	305	2	,	,	PUNCT
ajfa-4326	305	3	tobit	tobit	NOUN
ajfa-4326	305	4	regression	regression	NOUN
ajfa-4326	305	5	model	model	NOUN
ajfa-4326	305	6	has	have	AUX
ajfa-4326	305	7	been	be	AUX
ajfa-4326	305	8	used	use	VERB
ajfa-4326	305	9	to	to	PART
ajfa-4326	305	10	analyze	analyze	VERB
ajfa-4326	305	11	the	the	DET
ajfa-4326	305	12	determinants	determinant	NOUN
ajfa-4326	305	13	of	of	ADP
ajfa-4326	305	14	efficiency	efficiency	NOUN
ajfa-4326	305	15	.	.	PUNCT
ajfa-4326	306	1	the	the	DET
ajfa-4326	306	2	finds	find	NOUN
ajfa-4326	306	3	from	from	ADP
ajfa-4326	306	4	mi	mi	PROPN
ajfa-4326	306	5	suggest	suggest	VERB
ajfa-4326	306	6	that	that	SCONJ
ajfa-4326	306	7	the	the	DET
ajfa-4326	306	8	productivity	productivity	NOUN
ajfa-4326	306	9	change	change	NOUN
ajfa-4326	306	10	of	of	ADP
ajfa-4326	306	11	commercial	commercial	ADJ
ajfa-4326	306	12	banks	bank	NOUN
ajfa-4326	306	13	in	in	ADP
ajfa-4326	306	14	nepal	nepal	NOUN
ajfa-4326	306	15	has	have	AUX
ajfa-4326	306	16	improved	improve	VERB
ajfa-4326	306	17	over	over	ADP
ajfa-4326	306	18	the	the	DET
ajfa-4326	306	19	sample	sample	NOUN
ajfa-4326	306	20	period	period	NOUN
ajfa-4326	306	21	and	and	CCONJ
ajfa-4326	306	22	that	that	SCONJ
ajfa-4326	306	23	the	the	DET
ajfa-4326	306	24	increase	increase	NOUN
ajfa-4326	306	25	in	in	ADP
ajfa-4326	306	26	productivity	productivity	NOUN
ajfa-4326	306	27	change	change	NOUN
ajfa-4326	306	28	in	in	ADP
ajfa-4326	306	29	nepalese	nepalese	ADJ
ajfa-4326	306	30	commercial	commercial	ADJ
ajfa-4326	306	31	banks	bank	NOUN
ajfa-4326	306	32	industry	industry	NOUN
ajfa-4326	306	33	is	be	AUX
ajfa-4326	306	34	due	due	ADJ
ajfa-4326	306	35	to	to	ADP
ajfa-4326	306	36	the	the	DET
ajfa-4326	306	37	technical	technical	ADJ
ajfa-4326	306	38	progress	progress	NOUN
ajfa-4326	306	39	rather	rather	ADV
ajfa-4326	306	40	than	than	ADP
ajfa-4326	306	41	efficiency	efficiency	NOUN
ajfa-4326	306	42	components	component	NOUN
ajfa-4326	306	43	.	.	PUNCT
ajfa-4326	307	1	furthermore	furthermore	ADV
ajfa-4326	307	2	,	,	PUNCT
ajfa-4326	307	3	decomposition	decomposition	NOUN
ajfa-4326	307	4	of	of	ADP
ajfa-4326	307	5	the	the	DET
ajfa-4326	307	6	efficiency	efficiency	NOUN
ajfa-4326	307	7	change	change	NOUN
ajfa-4326	307	8	index	index	NOUN
ajfa-4326	307	9	into	into	ADP
ajfa-4326	307	10	its	its	PRON
ajfa-4326	307	11	mutually	mutually	ADV
ajfa-4326	307	12	exhaustive	exhaustive	ADJ
ajfa-4326	307	13	pure	pure	ADJ
ajfa-4326	307	14	technical	technical	ADJ
ajfa-4326	307	15	and	and	CCONJ
ajfa-4326	307	16	scale	scale	NOUN
ajfa-4326	307	17	efficiency	efficiency	NOUN
ajfa-4326	307	18	components	component	NOUN
ajfa-4326	307	19	suggest	suggest	VERB
ajfa-4326	307	20	that	that	SCONJ
ajfa-4326	307	21	the	the	DET
ajfa-4326	307	22	decline	decline	NOUN
ajfa-4326	307	23	in	in	ADP
ajfa-4326	307	24	efficiency	efficiency	NOUN
ajfa-4326	307	25	change	change	NOUN
ajfa-4326	307	26	is	be	AUX
ajfa-4326	307	27	due	due	ADJ
ajfa-4326	307	28	to	to	PART
ajfa-4326	307	29	decline	decline	VERB
ajfa-4326	307	30	in	in	ADP
ajfa-4326	307	31	both	both	CCONJ
ajfa-4326	307	32	pure	pure	ADJ
ajfa-4326	307	33	efficiency	efficiency	NOUN
ajfa-4326	307	34	change	change	NOUN
ajfa-4326	307	35	and	and	CCONJ
ajfa-4326	307	36	scale	scale	NOUN
ajfa-4326	307	37	efficiency	efficiency	NOUN
ajfa-4326	307	38	change	change	NOUN
ajfa-4326	307	39	.	.	PUNCT
ajfa-4326	308	1	the	the	DET
ajfa-4326	308	2	tobit	tobit	PROPN
ajfa-4326	308	3	regression	regression	PROPN
ajfa-4326	308	4	model	model	NOUN
ajfa-4326	308	5	produced	produce	VERB
ajfa-4326	308	6	some	some	DET
ajfa-4326	308	7	interesting	interesting	ADJ
ajfa-4326	308	8	results	result	NOUN
ajfa-4326	308	9	in	in	ADP
ajfa-4326	308	10	the	the	DET
ajfa-4326	308	11	analysis	analysis	NOUN
ajfa-4326	308	12	.	.	PUNCT
ajfa-4326	309	1	the	the	DET
ajfa-4326	309	2	effect	effect	NOUN
ajfa-4326	309	3	of	of	ADP
ajfa-4326	309	4	age	age	NOUN
ajfa-4326	309	5	,	,	PUNCT
ajfa-4326	309	6	structure	structure	NOUN
ajfa-4326	309	7	as	as	ADP
ajfa-4326	309	8	a	a	DET
ajfa-4326	309	9	dummy	dummy	ADJ
ajfa-4326	309	10	variable	variable	NOUN
ajfa-4326	309	11	for	for	ADP
ajfa-4326	309	12	foreign	foreign	ADJ
ajfa-4326	309	13	joint	joint	ADJ
ajfa-4326	309	14	venture	venture	NOUN
ajfa-4326	309	15	,	,	PUNCT
ajfa-4326	309	16	loan	loan	NOUN
ajfa-4326	309	17	to	to	ADP
ajfa-4326	309	18	assets	asset	NOUN
ajfa-4326	309	19	ratio	ratio	NOUN
ajfa-4326	309	20	,	,	PUNCT
ajfa-4326	309	21	non	non	ADJ
ajfa-4326	309	22	performing	perform	VERB
ajfa-4326	309	23	loans	loan	NOUN
ajfa-4326	309	24	and	and	CCONJ
ajfa-4326	309	25	log	log	NOUN
ajfa-4326	309	26	of	of	ADP
ajfa-4326	309	27	assets	asset	NOUN
ajfa-4326	309	28	is	be	AUX
ajfa-4326	309	29	found	find	VERB
ajfa-4326	309	30	to	to	PART
ajfa-4326	309	31	be	be	AUX
ajfa-4326	309	32	insignificant	insignificant	ADJ
ajfa-4326	309	33	for	for	ADP
ajfa-4326	309	34	the	the	DET
ajfa-4326	309	35	efficiency	efficiency	NOUN
ajfa-4326	309	36	.	.	PUNCT
ajfa-4326	310	1	as	as	SCONJ
ajfa-4326	310	2	expected	expect	VERB
ajfa-4326	310	3	,	,	PUNCT
ajfa-4326	310	4	capital	capital	NOUN
ajfa-4326	310	5	fund	fund	NOUN
ajfa-4326	310	6	to	to	PART
ajfa-4326	310	7	risk	risk	VERB
ajfa-4326	310	8	weighted	weight	VERB
ajfa-4326	310	9	assets	asset	NOUN
ajfa-4326	310	10	is	be	AUX
ajfa-4326	310	11	found	find	VERB
ajfa-4326	310	12	to	to	PART
ajfa-4326	310	13	be	be	AUX
ajfa-4326	310	14	positively	positively	ADV
ajfa-4326	310	15	related	relate	VERB
ajfa-4326	310	16	with	with	ADP
ajfa-4326	310	17	efficiency	efficiency	NOUN
ajfa-4326	310	18	as	as	SCONJ
ajfa-4326	310	19	banks	bank	NOUN
ajfa-4326	310	20	are	be	AUX
ajfa-4326	310	21	able	able	ADJ
ajfa-4326	310	22	to	to	PART
ajfa-4326	310	23	withstand	withstand	VERB
ajfa-4326	310	24	any	any	DET
ajfa-4326	310	25	shocks	shock	NOUN
ajfa-4326	310	26	in	in	ADP
ajfa-4326	310	27	their	their	PRON
ajfa-4326	310	28	balance	balance	NOUN
ajfa-4326	310	29	sheet	sheet	NOUN
ajfa-4326	310	30	.	.	PUNCT
ajfa-4326	311	1	the	the	DET
ajfa-4326	311	2	relationship	relationship	NOUN
ajfa-4326	311	3	between	between	ADP
ajfa-4326	311	4	efficiency	efficiency	NOUN
ajfa-4326	311	5	and	and	CCONJ
ajfa-4326	311	6	profitability	profitability	NOUN
ajfa-4326	311	7	is	be	AUX
ajfa-4326	311	8	positive	positive	ADJ
ajfa-4326	311	9	which	which	PRON
ajfa-4326	311	10	suggests	suggest	VERB
ajfa-4326	311	11	that	that	SCONJ
ajfa-4326	311	12	profitable	profitable	ADJ
ajfa-4326	311	13	banks	bank	NOUN
ajfa-4326	311	14	are	be	AUX
ajfa-4326	311	15	somewhat	somewhat	ADV
ajfa-4326	311	16	efficient	efficient	ADJ
ajfa-4326	311	17	.	.	PUNCT
ajfa-4326	312	1	the	the	DET
ajfa-4326	312	2	coefficient	coefficient	NOUN
ajfa-4326	312	3	of	of	ADP
ajfa-4326	312	4	leverage	leverage	NOUN
ajfa-4326	312	5	as	as	ADP
ajfa-4326	312	6	a	a	DET
ajfa-4326	312	7	ratio	ratio	NOUN
ajfa-4326	312	8	of	of	ADP
ajfa-4326	312	9	debt	debt	NOUN
ajfa-4326	312	10	to	to	ADP
ajfa-4326	312	11	equity	equity	NOUN
ajfa-4326	312	12	is	be	AUX
ajfa-4326	312	13	positive	positive	ADJ
ajfa-4326	312	14	and	and	CCONJ
ajfa-4326	312	15	significant	significant	ADJ
ajfa-4326	312	16	.	.	PUNCT
ajfa-4326	313	1	lower	low	ADJ
ajfa-4326	313	2	capital	capital	NOUN
ajfa-4326	313	3	ratios	ratio	NOUN
ajfa-4326	313	4	in	in	ADP
ajfa-4326	313	5	banking	banking	NOUN
ajfa-4326	313	6	implies	imply	VERB
ajfa-4326	313	7	higher	high	ADJ
ajfa-4326	313	8	leverage	leverage	NOUN
ajfa-4326	313	9	and	and	CCONJ
ajfa-4326	313	10	risk	risk	NOUN
ajfa-4326	313	11	,	,	PUNCT
ajfa-4326	313	12	hence	hence	ADV
ajfa-4326	313	13	,	,	PUNCT
ajfa-4326	313	14	the	the	DET
ajfa-4326	313	15	results	result	NOUN
ajfa-4326	313	16	show	show	VERB
ajfa-4326	313	17	that	that	SCONJ
ajfa-4326	313	18	better	well	ADJ
ajfa-4326	313	19	capitalized	capitalize	VERB
ajfa-4326	313	20	banks	bank	NOUN
ajfa-4326	313	21	exhibit	exhibit	VERB
ajfa-4326	313	22	better	well	ADJ
ajfa-4326	313	23	efficiency	efficiency	NOUN
ajfa-4326	313	24	and	and	CCONJ
ajfa-4326	313	25	productivity	productivity	NOUN
ajfa-4326	313	26	.	.	PUNCT
ajfa-4326	314	1	thus	thus	ADV
ajfa-4326	314	2	,	,	PUNCT
ajfa-4326	314	3	profitable	profitable	ADJ
ajfa-4326	314	4	bank	bank	NOUN
ajfa-4326	314	5	with	with	ADP
ajfa-4326	314	6	high	high	ADJ
ajfa-4326	314	7	low	low	ADJ
ajfa-4326	314	8	leverage	leverage	NOUN
ajfa-4326	314	9	and	and	CCONJ
ajfa-4326	314	10	higher	high	ADJ
ajfa-4326	314	11	risk	risk	NOUN
ajfa-4326	314	12	weighted	weight	VERB
ajfa-4326	314	13	are	be	AUX
ajfa-4326	314	14	found	find	VERB
ajfa-4326	314	15	to	to	PART
ajfa-4326	314	16	be	be	AUX
ajfa-4326	314	17	more	more	ADV
ajfa-4326	314	18	efficient	efficient	ADJ
ajfa-4326	314	19	in	in	ADP
ajfa-4326	314	20	nepalese	nepalese	ADJ
ajfa-4326	314	21	banking	banking	NOUN
ajfa-4326	314	22	sector	sector	NOUN
ajfa-4326	314	23	and	and	CCONJ
ajfa-4326	314	24	bank	bank	NOUN
ajfa-4326	314	25	loans	loan	NOUN
ajfa-4326	314	26	seem	seem	VERB
ajfa-4326	314	27	to	to	PART
ajfa-4326	314	28	be	be	AUX
ajfa-4326	314	29	more	more	ADV
ajfa-4326	314	30	highly	highly	ADV
ajfa-4326	314	31	valued	value	VERB
ajfa-4326	314	32	than	than	ADP
ajfa-4326	314	33	alternative	alternative	ADJ
ajfa-4326	314	34	bank	bank	NOUN
ajfa-4326	314	35	outputs	output	NOUN
ajfa-4326	314	36	i.e.	i.e.	X
ajfa-4326	314	37	,	,	PUNCT
ajfa-4326	314	38	asian	asian	ADJ
ajfa-4326	314	39	journal	journal	NOUN
ajfa-4326	314	40	of	of	ADP
ajfa-4326	314	41	finance	finance	PROPN
ajfa-4326	314	42	&	&	CCONJ
ajfa-4326	314	43	accounting	accounting	PROPN
ajfa-4326	314	44	issn	issn	PROPN
ajfa-4326	314	45	1946	1946	NUM
ajfa-4326	314	46	-	-	PUNCT
ajfa-4326	314	47	052x	052x	NOUN
ajfa-4326	314	48	2013	2013	NUM
ajfa-4326	314	49	,	,	PUNCT
ajfa-4326	314	50	vol	vol	NOUN
ajfa-4326	314	51	.	.	PROPN
ajfa-4326	314	52	5	5	NUM
ajfa-4326	314	53	,	,	PUNCT
ajfa-4326	314	54	no	no	INTJ
ajfa-4326	314	55	.	.	NOUN
ajfa-4326	314	56	2	2	NUM
ajfa-4326	314	57	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	314	58	240	240	NUM
ajfa-4326	314	59	investment	investment	NOUN
ajfa-4326	314	60	and	and	CCONJ
ajfa-4326	314	61	securities	security	NOUN
ajfa-4326	314	62	.	.	PUNCT
ajfa-4326	315	1	the	the	DET
ajfa-4326	315	2	empirical	empirical	ADJ
ajfa-4326	315	3	findings	finding	NOUN
ajfa-4326	315	4	from	from	ADP
ajfa-4326	315	5	this	this	DET
ajfa-4326	315	6	study	study	NOUN
ajfa-4326	315	7	suggest	suggest	VERB
ajfa-4326	315	8	that	that	SCONJ
ajfa-4326	315	9	the	the	DET
ajfa-4326	315	10	nepalese	nepalese	ADJ
ajfa-4326	315	11	commercial	commercial	ADJ
ajfa-4326	315	12	banks	bank	NOUN
ajfa-4326	315	13	are	be	AUX
ajfa-4326	315	14	not	not	PART
ajfa-4326	315	15	able	able	ADJ
ajfa-4326	315	16	to	to	PART
ajfa-4326	315	17	catch	catch	VERB
ajfa-4326	315	18	up	up	ADP
ajfa-4326	315	19	to	to	ADP
ajfa-4326	315	20	the	the	DET
ajfa-4326	315	21	frontier	frontier	NOUN
ajfa-4326	315	22	because	because	SCONJ
ajfa-4326	315	23	of	of	ADP
ajfa-4326	315	24	inefficient	inefficient	ADJ
ajfa-4326	315	25	management	management	NOUN
ajfa-4326	315	26	practices	practice	NOUN
ajfa-4326	315	27	and	and	CCONJ
ajfa-4326	315	28	deterioration	deterioration	NOUN
ajfa-4326	315	29	from	from	ADP
ajfa-4326	315	30	the	the	DET
ajfa-4326	315	31	optimal	optimal	ADJ
ajfa-4326	315	32	size	size	NOUN
ajfa-4326	315	33	.	.	PUNCT
ajfa-4326	316	1	therefore	therefore	ADV
ajfa-4326	316	2	,	,	PUNCT
ajfa-4326	316	3	commercial	commercial	ADJ
ajfa-4326	316	4	banks	bank	NOUN
ajfa-4326	316	5	need	need	VERB
ajfa-4326	316	6	to	to	PART
ajfa-4326	316	7	focus	focus	VERB
ajfa-4326	316	8	more	more	ADV
ajfa-4326	316	9	on	on	ADP
ajfa-4326	316	10	management	management	NOUN
ajfa-4326	316	11	efficiency	efficiency	NOUN
ajfa-4326	316	12	.	.	PUNCT
ajfa-4326	317	1	likewise	likewise	ADV
ajfa-4326	317	2	,	,	PUNCT
ajfa-4326	317	3	decline	decline	VERB
ajfa-4326	317	4	in	in	ADP
ajfa-4326	317	5	scale	scale	NOUN
ajfa-4326	317	6	efficiency	efficiency	NOUN
ajfa-4326	317	7	suggests	suggest	VERB
ajfa-4326	317	8	that	that	SCONJ
ajfa-4326	317	9	banks	bank	NOUN
ajfa-4326	317	10	could	could	AUX
ajfa-4326	317	11	have	have	AUX
ajfa-4326	317	12	been	be	AUX
ajfa-4326	317	13	too	too	ADV
ajfa-4326	317	14	small	small	ADJ
ajfa-4326	317	15	to	to	PART
ajfa-4326	317	16	reap	reap	VERB
ajfa-4326	317	17	the	the	DET
ajfa-4326	317	18	benefits	benefit	NOUN
ajfa-4326	317	19	of	of	ADP
ajfa-4326	317	20	economies	economy	NOUN
ajfa-4326	317	21	of	of	ADP
ajfa-4326	317	22	scale	scale	NOUN
ajfa-4326	317	23	.	.	PUNCT
ajfa-4326	318	1	therefore	therefore	ADV
ajfa-4326	318	2	,	,	PUNCT
ajfa-4326	318	3	from	from	ADP
ajfa-4326	318	4	the	the	DET
ajfa-4326	318	5	policy	policy	NOUN
ajfa-4326	318	6	making	making	NOUN
ajfa-4326	318	7	perspective	perspective	NOUN
ajfa-4326	318	8	,	,	PUNCT
ajfa-4326	318	9	mergers	merger	NOUN
ajfa-4326	318	10	,	,	PUNCT
ajfa-4326	318	11	particularly	particularly	ADV
ajfa-4326	318	12	among	among	ADP
ajfa-4326	318	13	the	the	DET
ajfa-4326	318	14	small	small	ADJ
ajfa-4326	318	15	banking	banking	NOUN
ajfa-4326	318	16	groups	group	NOUN
ajfa-4326	318	17	should	should	AUX
ajfa-4326	318	18	be	be	AUX
ajfa-4326	318	19	encouraged	encourage	VERB
ajfa-4326	318	20	(	(	PUNCT
ajfa-4326	318	21	sufian	sufian	PROPN
ajfa-4326	318	22	,	,	PUNCT
ajfa-4326	318	23	2012	2012	NUM
ajfa-4326	318	24	)	)	PUNCT
ajfa-4326	318	25	.	.	PUNCT
ajfa-4326	319	1	this	this	PRON
ajfa-4326	319	2	could	could	AUX
ajfa-4326	319	3	entail	entail	VERB
ajfa-4326	319	4	the	the	DET
ajfa-4326	319	5	small	small	ADJ
ajfa-4326	319	6	banking	banking	NOUN
ajfa-4326	319	7	groups	group	NOUN
ajfa-4326	319	8	to	to	PART
ajfa-4326	319	9	reap	reap	VERB
ajfa-4326	319	10	the	the	DET
ajfa-4326	319	11	benefits	benefit	NOUN
ajfa-4326	319	12	of	of	ADP
ajfa-4326	319	13	economies	economy	NOUN
ajfa-4326	319	14	of	of	ADP
ajfa-4326	319	15	scale	scale	NOUN
ajfa-4326	319	16	.	.	PUNCT
ajfa-4326	320	1	references	reference	NOUN
ajfa-4326	320	2	afriat	afriat	PROPN
ajfa-4326	320	3	,	,	PUNCT
ajfa-4326	320	4	s.	s.	PROPN
ajfa-4326	320	5	n.	n.	PROPN
ajfa-4326	320	6	(	(	PUNCT
ajfa-4326	320	7	1972	1972	NUM
ajfa-4326	320	8	)	)	PUNCT
ajfa-4326	320	9	.	.	PUNCT
ajfa-4326	321	1	efficiency	efficiency	NOUN
ajfa-4326	321	2	estimation	estimation	NOUN
ajfa-4326	321	3	of	of	ADP
ajfa-4326	321	4	production	production	NOUN
ajfa-4326	321	5	functions	function	NOUN
ajfa-4326	321	6	.	.	PUNCT
ajfa-4326	322	1	international	international	ADJ
ajfa-4326	322	2	economic	economic	ADJ
ajfa-4326	322	3	review	review	NOUN
ajfa-4326	322	4	,	,	PUNCT
ajfa-4326	322	5	13(3	13(3	NUM
ajfa-4326	322	6	)	)	PUNCT
ajfa-4326	322	7	,	,	PUNCT
ajfa-4326	322	8	568	568	NUM
ajfa-4326	322	9	-	-	SYM
ajfa-4326	322	10	598	598	NUM
ajfa-4326	322	11	.	.	PUNCT
ajfa-4326	323	1	http://dx.doi.org/10.2307/2525845	http://dx.doi.org/10.2307/2525845	PROPN
ajfa-4326	323	2	ahmed	ahmed	PROPN
ajfa-4326	323	3	,	,	PUNCT
ajfa-4326	323	4	u.	u.	PROPN
ajfa-4326	323	5	,	,	PUNCT
ajfa-4326	323	6	farooq	farooq	PROPN
ajfa-4326	323	7	,	,	PUNCT
ajfa-4326	323	8	s.	s.	PROPN
ajfa-4326	323	9	,	,	PUNCT
ajfa-4326	323	10	&	&	CCONJ
ajfa-4326	323	11	jalil	jalil	PROPN
ajfa-4326	323	12	,	,	PUNCT
ajfa-4326	323	13	h.	h.	PROPN
ajfa-4326	323	14	h.	h.	PROPN
ajfa-4326	323	15	(	(	PUNCT
ajfa-4326	323	16	2009	2009	NUM
ajfa-4326	323	17	)	)	PUNCT
ajfa-4326	323	18	.	.	PUNCT
ajfa-4326	324	1	efficiency	efficiency	NOUN
ajfa-4326	324	2	dynamics	dynamic	NOUN
ajfa-4326	324	3	and	and	CCONJ
ajfa-4326	324	4	financial	financial	ADJ
ajfa-4326	324	5	reforms	reform	NOUN
ajfa-4326	324	6	:	:	PUNCT
ajfa-4326	324	7	case	case	NOUN
ajfa-4326	324	8	study	study	NOUN
ajfa-4326	324	9	of	of	ADP
ajfa-4326	324	10	pakistani	pakistani	ADJ
ajfa-4326	324	11	banks	bank	NOUN
ajfa-4326	324	12	.	.	PUNCT
ajfa-4326	325	1	international	international	ADJ
ajfa-4326	325	2	research	research	PROPN
ajfa-4326	325	3	journal	journal	NOUN
ajfa-4326	325	4	of	of	ADP
ajfa-4326	325	5	finance	finance	NOUN
ajfa-4326	325	6	and	and	CCONJ
ajfa-4326	325	7	economics	economic	NOUN
ajfa-4326	325	8	,	,	PUNCT
ajfa-4326	325	9	25	25	NUM
ajfa-4326	325	10	,	,	PUNCT
ajfa-4326	325	11	172	172	NUM
ajfa-4326	325	12	-	-	SYM
ajfa-4326	325	13	182	182	NUM
ajfa-4326	325	14	.	.	PUNCT
ajfa-4326	326	1	alam	alam	PROPN
ajfa-4326	326	2	,	,	PUNCT
ajfa-4326	326	3	i.	i.	PROPN
ajfa-4326	326	4	,	,	PUNCT
ajfa-4326	326	5	&	&	CCONJ
ajfa-4326	326	6	sickles	sickle	NOUN
ajfa-4326	326	7	,	,	PUNCT
ajfa-4326	326	8	r.	r.	PROPN
ajfa-4326	326	9	(	(	PUNCT
ajfa-4326	326	10	1995	1995	NUM
ajfa-4326	326	11	)	)	PUNCT
ajfa-4326	326	12	.	.	PUNCT
ajfa-4326	327	1	long	long	ADJ
ajfa-4326	327	2	run	run	VERB
ajfa-4326	327	3	properties	property	NOUN
ajfa-4326	327	4	of	of	ADP
ajfa-4326	327	5	technical	technical	ADJ
ajfa-4326	327	6	efficiency	efficiency	NOUN
ajfa-4326	327	7	in	in	ADP
ajfa-4326	327	8	the	the	DET
ajfa-4326	327	9	us	us	PROPN
ajfa-4326	327	10	airline	airline	NOUN
ajfa-4326	327	11	industry	industry	NOUN
ajfa-4326	327	12	.	.	PUNCT
ajfa-4326	328	1	rice	rice	PROPN
ajfa-4326	328	2	university	university	PROPN
ajfa-4326	328	3	:	:	PUNCT
ajfa-4326	328	4	mimeo	mimeo	PROPN
ajfa-4326	328	5	.	.	PUNCT
ajfa-4326	329	1	ali	ali	PROPN
ajfa-4326	329	2	rizvi	rizvi	PROPN
ajfa-4326	329	3	,	,	PUNCT
ajfa-4326	329	4	f.	f.	PROPN
ajfa-4326	329	5	s.	s.	PROPN
ajfa-4326	329	6	(	(	PUNCT
ajfa-4326	329	7	2001	2001	NUM
ajfa-4326	329	8	)	)	PUNCT
ajfa-4326	329	9	.	.	PUNCT
ajfa-4326	330	1	post	post	ADJ
ajfa-4326	330	2	-	-	ADJ
ajfa-4326	330	3	liberalisation	liberalisation	NOUN
ajfa-4326	330	4	efficiency	efficiency	NOUN
ajfa-4326	330	5	and	and	CCONJ
ajfa-4326	330	6	productivity	productivity	NOUN
ajfa-4326	330	7	of	of	ADP
ajfa-4326	330	8	the	the	DET
ajfa-4326	330	9	banking	banking	NOUN
ajfa-4326	330	10	sector	sector	NOUN
ajfa-4326	330	11	in	in	ADP
ajfa-4326	330	12	pakistan	pakistan	PROPN
ajfa-4326	330	13	.	.	PUNCT
ajfa-4326	331	1	the	the	DET
ajfa-4326	331	2	pakistan	pakistan	PROPN
ajfa-4326	331	3	development	development	PROPN
ajfa-4326	331	4	review	review	PROPN
ajfa-4326	331	5	,	,	PUNCT
ajfa-4326	331	6	40(4	40(4	NUM
ajfa-4326	331	7	)	)	PUNCT
ajfa-4326	331	8	,	,	PUNCT
ajfa-4326	331	9	605	605	NUM
ajfa-4326	331	10	-	-	SYM
ajfa-4326	331	11	632	632	NUM
ajfa-4326	331	12	.	.	PUNCT
ajfa-4326	332	1	avkiran	avkiran	ADJ
ajfa-4326	332	2	,	,	PUNCT
ajfa-4326	332	3	n.	n.	PROPN
ajfa-4326	332	4	(	(	PUNCT
ajfa-4326	332	5	2001	2001	NUM
ajfa-4326	332	6	)	)	PUNCT
ajfa-4326	332	7	.	.	PUNCT
ajfa-4326	333	1	investigating	investigate	VERB
ajfa-4326	333	2	technical	technical	ADJ
ajfa-4326	333	3	and	and	CCONJ
ajfa-4326	333	4	scale	scale	NOUN
ajfa-4326	333	5	efficiencies	efficiency	NOUN
ajfa-4326	333	6	of	of	ADP
ajfa-4326	333	7	australian	australian	ADJ
ajfa-4326	333	8	universities	university	NOUN
ajfa-4326	333	9	through	through	ADP
ajfa-4326	333	10	data	datum	NOUN
ajfa-4326	333	11	envelopment	envelopment	ADJ
ajfa-4326	333	12	analysis	analysis	NOUN
ajfa-4326	333	13	.	.	PUNCT
ajfa-4326	334	1	socio	socio	NOUN
ajfa-4326	334	2	-	-	PUNCT
ajfa-4326	334	3	economic	economic	ADJ
ajfa-4326	334	4	planning	planning	NOUN
ajfa-4326	334	5	sciences	science	NOUN
ajfa-4326	334	6	,	,	PUNCT
ajfa-4326	334	7	35	35	NUM
ajfa-4326	334	8	,	,	PUNCT
ajfa-4326	334	9	57	57	NUM
ajfa-4326	334	10	-	-	SYM
ajfa-4326	334	11	80	80	NUM
ajfa-4326	334	12	.	.	PUNCT
ajfa-4326	335	1	http://dx.doi.org/10.1016/s0038-0121(00)00010-0	http://dx.doi.org/10.1016/s0038-0121(00)00010-0	PROPN
ajfa-4326	335	2	barros	barros	PROPN
ajfa-4326	335	3	,	,	PUNCT
ajfa-4326	335	4	c.	c.	PROPN
ajfa-4326	335	5	,	,	PUNCT
ajfa-4326	335	6	&	&	CCONJ
ajfa-4326	335	7	weber	weber	PROPN
ajfa-4326	335	8	,	,	PUNCT
ajfa-4326	335	9	w.	w.	PROPN
ajfa-4326	335	10	(	(	PUNCT
ajfa-4326	335	11	2008	2008	NUM
ajfa-4326	335	12	)	)	PUNCT
ajfa-4326	335	13	.	.	PUNCT
ajfa-4326	336	1	argentina	argentina	PROPN
ajfa-4326	336	2	airports	airport	VERB
ajfa-4326	336	3	technical	technical	ADJ
ajfa-4326	336	4	efficiency	efficiency	NOUN
ajfa-4326	336	5	in	in	ADP
ajfa-4326	336	6	a	a	DET
ajfa-4326	336	7	context	context	NOUN
ajfa-4326	336	8	of	of	ADP
ajfa-4326	336	9	economic	economic	ADJ
ajfa-4326	336	10	crisis	crisis	NOUN
ajfa-4326	336	11	.	.	PUNCT
ajfa-4326	337	1	journal	journal	PROPN
ajfa-4326	337	2	of	of	ADP
ajfa-4326	337	3	air	air	PROPN
ajfa-4326	337	4	transport	transport	PROPN
ajfa-4326	337	5	management	management	NOUN
ajfa-4326	337	6	,	,	PUNCT
ajfa-4326	337	7	14(6	14(6	NOUN
ajfa-4326	337	8	)	)	PUNCT
ajfa-4326	337	9	,	,	PUNCT
ajfa-4326	337	10	315	315	NUM
ajfa-4326	337	11	-	-	SYM
ajfa-4326	337	12	319	319	NUM
ajfa-4326	337	13	.	.	PUNCT
ajfa-4326	338	1	http://dx.doi.org/10.1016/j.jairtraman.2008.08.005	http://dx.doi.org/10.1016/j.jairtraman.2008.08.005	PROPN
ajfa-4326	338	2	berg	berg	PROPN
ajfa-4326	338	3	,	,	PUNCT
ajfa-4326	338	4	s.	s.	PROPN
ajfa-4326	338	5	a.	a.	PROPN
ajfa-4326	338	6	,	,	PUNCT
ajfa-4326	338	7	forsund	forsund	PROPN
ajfa-4326	338	8	,	,	PUNCT
ajfa-4326	338	9	f.	f.	PROPN
ajfa-4326	338	10	r.	r.	PROPN
ajfa-4326	338	11	,	,	PUNCT
ajfa-4326	338	12	&	&	CCONJ
ajfa-4326	338	13	jansen	jansen	PROPN
ajfa-4326	338	14	,	,	PUNCT
ajfa-4326	338	15	e.	e.	PROPN
ajfa-4326	338	16	s.	s.	PROPN
ajfa-4326	338	17	(	(	PUNCT
ajfa-4326	338	18	1992	1992	NUM
ajfa-4326	338	19	)	)	PUNCT
ajfa-4326	338	20	.	.	PUNCT
ajfa-4326	339	1	malmquist	malmquist	PROPN
ajfa-4326	339	2	index	index	NOUN
ajfa-4326	339	3	of	of	ADP
ajfa-4326	339	4	productivity	productivity	NOUN
ajfa-4326	339	5	growth	growth	NOUN
ajfa-4326	339	6	during	during	ADP
ajfa-4326	339	7	the	the	DET
ajfa-4326	339	8	deregulation	deregulation	NOUN
ajfa-4326	339	9	of	of	ADP
ajfa-4326	339	10	norwegian	norwegian	ADJ
ajfa-4326	339	11	banking	banking	NOUN
ajfa-4326	339	12	.	.	PUNCT
ajfa-4326	340	1	the	the	DET
ajfa-4326	340	2	scandinavian	scandinavian	ADJ
ajfa-4326	340	3	journal	journal	NOUN
ajfa-4326	340	4	of	of	ADP
ajfa-4326	340	5	economics	economic	NOUN
ajfa-4326	340	6	,	,	PUNCT
ajfa-4326	340	7	94	94	NUM
ajfa-4326	340	8	,	,	PUNCT
ajfa-4326	340	9	211	211	NUM
ajfa-4326	340	10	-	-	SYM
ajfa-4326	340	11	228	228	NUM
ajfa-4326	340	12	.	.	PUNCT
ajfa-4326	341	1	http://dx.doi.org/10.2307/3440261	http://dx.doi.org/10.2307/3440261	PROPN
ajfa-4326	341	2	berger	berger	PROPN
ajfa-4326	341	3	,	,	PUNCT
ajfa-4326	341	4	a.	a.	PROPN
ajfa-4326	341	5	n.	n.	PROPN
ajfa-4326	341	6	,	,	PUNCT
ajfa-4326	341	7	&	&	CCONJ
ajfa-4326	341	8	de	de	X
ajfa-4326	341	9	young	young	PROPN
ajfa-4326	341	10	,	,	PUNCT
ajfa-4326	341	11	r.	r.	PROPN
ajfa-4326	341	12	(	(	PUNCT
ajfa-4326	341	13	1997	1997	NUM
ajfa-4326	341	14	)	)	PUNCT
ajfa-4326	341	15	.	.	PUNCT
ajfa-4326	342	1	problem	problem	NOUN
ajfa-4326	342	2	loans	loan	NOUN
ajfa-4326	342	3	and	and	CCONJ
ajfa-4326	342	4	cost	cost	NOUN
ajfa-4326	342	5	efficiency	efficiency	NOUN
ajfa-4326	342	6	in	in	ADP
ajfa-4326	342	7	commercial	commercial	ADJ
ajfa-4326	342	8	banks	bank	NOUN
ajfa-4326	342	9	.	.	PUNCT
ajfa-4326	343	1	journal	journal	NOUN
ajfa-4326	343	2	of	of	ADP
ajfa-4326	343	3	banking	banking	NOUN
ajfa-4326	343	4	and	and	CCONJ
ajfa-4326	343	5	finance	finance	NOUN
ajfa-4326	343	6	,	,	PUNCT
ajfa-4326	343	7	21(6	21(6	PROPN
ajfa-4326	343	8	)	)	PUNCT
ajfa-4326	343	9	,	,	PUNCT
ajfa-4326	343	10	849	849	NUM
ajfa-4326	343	11	-	-	SYM
ajfa-4326	343	12	870	870	NUM
ajfa-4326	343	13	.	.	PUNCT
ajfa-4326	344	1	http://dx.doi.org/10.1016/s0378-4266(97)00003-4	http://dx.doi.org/10.1016/s0378-4266(97)00003-4	PROPN
ajfa-4326	344	2	berger	berger	PROPN
ajfa-4326	344	3	,	,	PUNCT
ajfa-4326	344	4	a.	a.	PROPN
ajfa-4326	344	5	n.	n.	PROPN
ajfa-4326	344	6	,	,	PUNCT
ajfa-4326	344	7	&	&	CCONJ
ajfa-4326	344	8	humphrey	humphrey	PROPN
ajfa-4326	344	9	,	,	PUNCT
ajfa-4326	344	10	d.	d.	PROPN
ajfa-4326	344	11	b.	b.	PROPN
ajfa-4326	344	12	(	(	PUNCT
ajfa-4326	344	13	1997	1997	NUM
ajfa-4326	344	14	)	)	PUNCT
ajfa-4326	344	15	.	.	PUNCT
ajfa-4326	345	1	efficiency	efficiency	NOUN
ajfa-4326	345	2	of	of	ADP
ajfa-4326	345	3	financial	financial	ADJ
ajfa-4326	345	4	institutions	institution	NOUN
ajfa-4326	345	5	:	:	PUNCT
ajfa-4326	345	6	international	international	ADJ
ajfa-4326	345	7	survey	survey	NOUN
ajfa-4326	345	8	and	and	CCONJ
ajfa-4326	345	9	directions	direction	NOUN
ajfa-4326	345	10	for	for	ADP
ajfa-4326	345	11	future	future	ADJ
ajfa-4326	345	12	research	research	NOUN
ajfa-4326	345	13	.	.	PUNCT
ajfa-4326	346	1	eurpoean	eurpoean	PROPN
ajfa-4326	346	2	journal	journal	PROPN
ajfa-4326	346	3	of	of	ADP
ajfa-4326	346	4	operational	operational	ADJ
ajfa-4326	346	5	research	research	NOUN
ajfa-4326	346	6	,	,	PUNCT
ajfa-4326	346	7	98	98	NUM
ajfa-4326	346	8	,	,	PUNCT
ajfa-4326	346	9	175	175	NUM
ajfa-4326	346	10	-	-	SYM
ajfa-4326	346	11	212	212	NUM
ajfa-4326	346	12	.	.	PUNCT
ajfa-4326	347	1	http://dx.doi.org/10.1016/s0377-2217(96)00342-6	http://dx.doi.org/10.1016/s0377-2217(96)00342-6	ADJ
ajfa-4326	347	2	berger	berger	PROPN
ajfa-4326	347	3	,	,	PUNCT
ajfa-4326	347	4	a.	a.	PROPN
ajfa-4326	347	5	,	,	PUNCT
ajfa-4326	347	6	hunter	hunter	NOUN
ajfa-4326	347	7	,	,	PUNCT
ajfa-4326	347	8	w.	w.	PROPN
ajfa-4326	347	9	,	,	PUNCT
ajfa-4326	347	10	&	&	CCONJ
ajfa-4326	347	11	timme	timme	PROPN
ajfa-4326	347	12	,	,	PUNCT
ajfa-4326	347	13	s.	s.	PROPN
ajfa-4326	347	14	(	(	PUNCT
ajfa-4326	347	15	1993	1993	NUM
ajfa-4326	347	16	)	)	PUNCT
ajfa-4326	347	17	.	.	PUNCT
ajfa-4326	348	1	the	the	DET
ajfa-4326	348	2	efficiency	efficiency	NOUN
ajfa-4326	348	3	of	of	ADP
ajfa-4326	348	4	financial	financial	ADJ
ajfa-4326	348	5	institutions	institution	NOUN
ajfa-4326	348	6	:	:	PUNCT
ajfa-4326	348	7	a	a	DET
ajfa-4326	348	8	review	review	NOUN
ajfa-4326	348	9	and	and	CCONJ
ajfa-4326	348	10	preview	preview	NOUN
ajfa-4326	348	11	of	of	ADP
ajfa-4326	348	12	research	research	NOUN
ajfa-4326	348	13	past	past	NOUN
ajfa-4326	348	14	,	,	PUNCT
ajfa-4326	348	15	present	present	ADJ
ajfa-4326	348	16	and	and	CCONJ
ajfa-4326	348	17	future	future	ADJ
ajfa-4326	348	18	.	.	PUNCT
ajfa-4326	349	1	journal	journal	NOUN
ajfa-4326	349	2	of	of	ADP
ajfa-4326	349	3	banking	banking	NOUN
ajfa-4326	349	4	and	and	CCONJ
ajfa-4326	349	5	finance	finance	NOUN
ajfa-4326	349	6	,	,	PUNCT
ajfa-4326	349	7	17(2&3	17(2&3	NUM
ajfa-4326	349	8	)	)	PUNCT
ajfa-4326	349	9	,	,	PUNCT
ajfa-4326	349	10	221	221	NUM
ajfa-4326	349	11	-	-	SYM
ajfa-4326	349	12	250	250	NUM
ajfa-4326	349	13	.	.	PUNCT
ajfa-4326	350	1	http://dx.doi.org/10.1016/0378-4266(93)90030-h	http://dx.doi.org/10.1016/0378-4266(93)90030-h	ADJ
ajfa-4326	350	2	asian	asian	ADJ
ajfa-4326	350	3	journal	journal	NOUN
ajfa-4326	350	4	of	of	ADP
ajfa-4326	350	5	finance	finance	PROPN
ajfa-4326	350	6	&	&	CCONJ
ajfa-4326	350	7	accounting	accounting	PROPN
ajfa-4326	350	8	issn	issn	PROPN
ajfa-4326	350	9	1946	1946	NUM
ajfa-4326	350	10	-	-	PUNCT
ajfa-4326	350	11	052x	052x	NOUN
ajfa-4326	350	12	2013	2013	NUM
ajfa-4326	350	13	,	,	PUNCT
ajfa-4326	350	14	vol	vol	NOUN
ajfa-4326	350	15	.	.	PROPN
ajfa-4326	350	16	5	5	NUM
ajfa-4326	350	17	,	,	PUNCT
ajfa-4326	350	18	no	no	INTJ
ajfa-4326	350	19	.	.	NOUN
ajfa-4326	350	20	2	2	NUM
ajfa-4326	350	21	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	350	22	241	241	NUM
ajfa-4326	350	23	bhattacharyya	bhattacharyya	ADJ
ajfa-4326	350	24	,	,	PUNCT
ajfa-4326	350	25	a.	a.	NOUN
ajfa-4326	350	26	,	,	PUNCT
ajfa-4326	350	27	lovell	lovell	PROPN
ajfa-4326	350	28	,	,	PUNCT
ajfa-4326	350	29	c.	c.	PROPN
ajfa-4326	350	30	k.	k.	PROPN
ajfa-4326	350	31	,	,	PUNCT
ajfa-4326	350	32	&	&	CCONJ
ajfa-4326	350	33	sahay	sahay	PROPN
ajfa-4326	350	34	,	,	PUNCT
ajfa-4326	350	35	p.	p.	NOUN
ajfa-4326	350	36	(	(	PUNCT
ajfa-4326	350	37	1997	1997	NUM
ajfa-4326	350	38	)	)	PUNCT
ajfa-4326	350	39	.	.	PUNCT
ajfa-4326	351	1	the	the	DET
ajfa-4326	351	2	impact	impact	NOUN
ajfa-4326	351	3	of	of	ADP
ajfa-4326	351	4	liberalization	liberalization	NOUN
ajfa-4326	351	5	on	on	ADP
ajfa-4326	351	6	the	the	DET
ajfa-4326	351	7	productive	productive	ADJ
ajfa-4326	351	8	efficiency	efficiency	NOUN
ajfa-4326	351	9	of	of	ADP
ajfa-4326	351	10	indian	indian	ADJ
ajfa-4326	351	11	commercial	commercial	ADJ
ajfa-4326	351	12	banks	bank	NOUN
ajfa-4326	351	13	.	.	PUNCT
ajfa-4326	352	1	european	european	PROPN
ajfa-4326	352	2	journal	journal	PROPN
ajfa-4326	352	3	of	of	ADP
ajfa-4326	352	4	operational	operational	ADJ
ajfa-4326	352	5	research	research	NOUN
ajfa-4326	352	6	,	,	PUNCT
ajfa-4326	352	7	98	98	NUM
ajfa-4326	352	8	,	,	PUNCT
ajfa-4326	352	9	332	332	NUM
ajfa-4326	352	10	-	-	SYM
ajfa-4326	352	11	345	345	NUM
ajfa-4326	352	12	.	.	PUNCT
ajfa-4326	353	1	http://dx.doi.org/10.1016/s0377-2217(96)00351-7	http://dx.doi.org/10.1016/s0377-2217(96)00351-7	PROPN
ajfa-4326	353	2	bourke	bourke	PROPN
ajfa-4326	353	3	,	,	PUNCT
ajfa-4326	353	4	p.	p.	PROPN
ajfa-4326	353	5	(	(	PUNCT
ajfa-4326	353	6	1989	1989	NUM
ajfa-4326	353	7	)	)	PUNCT
ajfa-4326	353	8	.	.	PUNCT
ajfa-4326	354	1	concentration	concentration	NOUN
ajfa-4326	354	2	and	and	CCONJ
ajfa-4326	354	3	other	other	ADJ
ajfa-4326	354	4	determinants	determinant	NOUN
ajfa-4326	354	5	of	of	ADP
ajfa-4326	354	6	bank	bank	NOUN
ajfa-4326	354	7	profitability	profitability	NOUN
ajfa-4326	354	8	in	in	ADP
ajfa-4326	354	9	europe	europe	PROPN
ajfa-4326	354	10	,	,	PUNCT
ajfa-4326	354	11	north	north	PROPN
ajfa-4326	354	12	america	america	PROPN
ajfa-4326	354	13	and	and	CCONJ
ajfa-4326	354	14	australia	australia	PROPN
ajfa-4326	354	15	.	.	PUNCT
ajfa-4326	355	1	journal	journal	PROPN
ajfa-4326	355	2	of	of	ADP
ajfa-4326	355	3	banking	banking	NOUN
ajfa-4326	355	4	and	and	CCONJ
ajfa-4326	355	5	finance	finance	NOUN
ajfa-4326	355	6	,	,	PUNCT
ajfa-4326	355	7	13(1	13(1	NUM
ajfa-4326	355	8	)	)	PUNCT
ajfa-4326	355	9	,	,	PUNCT
ajfa-4326	355	10	65	65	NUM
ajfa-4326	355	11	-	-	SYM
ajfa-4326	355	12	79	79	NUM
ajfa-4326	355	13	.	.	PUNCT
ajfa-4326	356	1	http://dx.doi.org/10.1016/0378-4266(89)90020-4	http://dx.doi.org/10.1016/0378-4266(89)90020-4	PROPN
ajfa-4326	356	2	calabrese	calabrese	PROPN
ajfa-4326	356	3	,	,	PUNCT
ajfa-4326	356	4	a.	a.	NOUN
ajfa-4326	356	5	,	,	PUNCT
ajfa-4326	356	6	campisi	campisi	PROPN
ajfa-4326	356	7	,	,	PUNCT
ajfa-4326	356	8	d.	d.	PROPN
ajfa-4326	356	9	,	,	PUNCT
ajfa-4326	356	10	&	&	CCONJ
ajfa-4326	356	11	paolo	paolo	PROPN
ajfa-4326	356	12	,	,	PUNCT
ajfa-4326	356	13	m.	m.	NOUN
ajfa-4326	356	14	(	(	PUNCT
ajfa-4326	356	15	2001	2001	NUM
ajfa-4326	356	16	)	)	PUNCT
ajfa-4326	356	17	.	.	PUNCT
ajfa-4326	357	1	productivity	productivity	NOUN
ajfa-4326	357	2	change	change	NOUN
ajfa-4326	357	3	in	in	ADP
ajfa-4326	357	4	the	the	DET
ajfa-4326	357	5	telecommunication	telecommunication	NOUN
ajfa-4326	357	6	industries	industry	NOUN
ajfa-4326	357	7	13	13	NUM
ajfa-4326	357	8	oecd	oecd	PROPN
ajfa-4326	357	9	countries	country	NOUN
ajfa-4326	357	10	.	.	PUNCT
ajfa-4326	358	1	international	international	ADJ
ajfa-4326	358	2	journal	journal	PROPN
ajfa-4326	358	3	of	of	ADP
ajfa-4326	358	4	business	business	NOUN
ajfa-4326	358	5	and	and	CCONJ
ajfa-4326	358	6	economics	economic	NOUN
ajfa-4326	358	7	,	,	PUNCT
ajfa-4326	358	8	1(33	1(33	NUM
ajfa-4326	358	9	)	)	PUNCT
ajfa-4326	358	10	,	,	PUNCT
ajfa-4326	358	11	209	209	NUM
ajfa-4326	358	12	-	-	SYM
ajfa-4326	358	13	223	223	NUM
ajfa-4326	358	14	.	.	PUNCT
ajfa-4326	359	1	caves	cave	NOUN
ajfa-4326	359	2	,	,	PUNCT
ajfa-4326	359	3	d.	d.	PROPN
ajfa-4326	359	4	,	,	PUNCT
ajfa-4326	359	5	cristensen	cristensen	NOUN
ajfa-4326	359	6	,	,	PUNCT
ajfa-4326	359	7	l.	l.	PROPN
ajfa-4326	359	8	,	,	PUNCT
ajfa-4326	359	9	&	&	CCONJ
ajfa-4326	359	10	diewert	diewert	PROPN
ajfa-4326	359	11	,	,	PUNCT
ajfa-4326	359	12	w.	w.	PROPN
ajfa-4326	359	13	(	(	PUNCT
ajfa-4326	359	14	1982	1982	NUM
ajfa-4326	359	15	)	)	PUNCT
ajfa-4326	359	16	.	.	PUNCT
ajfa-4326	360	1	the	the	DET
ajfa-4326	360	2	economic	economic	ADJ
ajfa-4326	360	3	theory	theory	NOUN
ajfa-4326	360	4	of	of	ADP
ajfa-4326	360	5	indexnumbers	indexnumber	NOUN
ajfa-4326	360	6	and	and	CCONJ
ajfa-4326	360	7	measurement	measurement	NOUN
ajfa-4326	360	8	of	of	ADP
ajfa-4326	360	9	input	input	NOUN
ajfa-4326	360	10	,	,	PUNCT
ajfa-4326	360	11	output	output	NOUN
ajfa-4326	360	12	and	and	CCONJ
ajfa-4326	360	13	productivity	productivity	NOUN
ajfa-4326	360	14	.	.	PUNCT
ajfa-4326	361	1	econometrica	econometrica	PROPN
ajfa-4326	361	2	,	,	PUNCT
ajfa-4326	361	3	50	50	NUM
ajfa-4326	361	4	,	,	PUNCT
ajfa-4326	361	5	1393	1393	NUM
ajfa-4326	361	6	-	-	SYM
ajfa-4326	361	7	1414	1414	NUM
ajfa-4326	361	8	.	.	PUNCT
ajfa-4326	362	1	http://dx.doi.org/10.2307/1913388	http://dx.doi.org/10.2307/1913388	PROPN
ajfa-4326	363	1	chen	chen	PROPN
ajfa-4326	363	2	,	,	PUNCT
ajfa-4326	363	3	x.	x.	PROPN
ajfa-4326	363	4	,	,	PUNCT
ajfa-4326	363	5	skully	skully	ADV
ajfa-4326	363	6	,	,	PUNCT
ajfa-4326	363	7	m.	m.	NOUN
ajfa-4326	363	8	,	,	PUNCT
ajfa-4326	363	9	&	&	CCONJ
ajfa-4326	363	10	brown	brown	PROPN
ajfa-4326	363	11	,	,	PUNCT
ajfa-4326	363	12	k.	k.	PROPN
ajfa-4326	363	13	(	(	PUNCT
ajfa-4326	363	14	2005	2005	NUM
ajfa-4326	363	15	)	)	PUNCT
ajfa-4326	363	16	.	.	PUNCT
ajfa-4326	364	1	banking	banking	NOUN
ajfa-4326	364	2	efficiency	efficiency	NOUN
ajfa-4326	364	3	in	in	ADP
ajfa-4326	364	4	china	china	PROPN
ajfa-4326	364	5	:	:	PUNCT
ajfa-4326	364	6	application	application	NOUN
ajfa-4326	364	7	of	of	ADP
ajfa-4326	364	8	dea	dea	PROPN
ajfa-4326	364	9	to	to	PART
ajfa-4326	364	10	pre	pre	VERB
ajfa-4326	364	11	and	and	CCONJ
ajfa-4326	364	12	post	post	VERB
ajfa-4326	364	13	deregulation	deregulation	NOUN
ajfa-4326	364	14	era	era	NOUN
ajfa-4326	364	15	:	:	PUNCT
ajfa-4326	364	16	1993	1993	NUM
ajfa-4326	364	17	-	-	SYM
ajfa-4326	364	18	2000	2000	NUM
ajfa-4326	364	19	.	.	PUNCT
ajfa-4326	365	1	china	china	PROPN
ajfa-4326	365	2	economic	economic	PROPN
ajfa-4326	365	3	review	review	PROPN
ajfa-4326	365	4	,	,	PUNCT
ajfa-4326	365	5	16	16	NUM
ajfa-4326	365	6	,	,	PUNCT
ajfa-4326	365	7	229	229	NUM
ajfa-4326	365	8	-	-	SYM
ajfa-4326	365	9	245	245	NUM
ajfa-4326	365	10	.	.	PUNCT
ajfa-4326	366	1	http://dx.doi.org/10.1016/j.chieco.2005.02.001	http://dx.doi.org/10.1016/j.chieco.2005.02.001	PROPN
ajfa-4326	366	2	coelli	coelli	PROPN
ajfa-4326	366	3	,	,	PUNCT
ajfa-4326	366	4	t.	t.	PROPN
ajfa-4326	366	5	(	(	PUNCT
ajfa-4326	366	6	1996	1996	NUM
ajfa-4326	366	7	)	)	PUNCT
ajfa-4326	366	8	.	.	PUNCT
ajfa-4326	367	1	a	a	DET
ajfa-4326	367	2	guide	guide	NOUN
ajfa-4326	367	3	to	to	PART
ajfa-4326	367	4	deap	deap	VERB
ajfa-4326	367	5	version	version	PROPN
ajfa-4326	367	6	2.1	2.1	NUM
ajfa-4326	367	7	data	datum	NOUN
ajfa-4326	367	8	envelopment	envelopment	ADJ
ajfa-4326	367	9	analysis	analysis	NOUN
ajfa-4326	367	10	(	(	PUNCT
ajfa-4326	367	11	computer	computer	NOUN
ajfa-4326	367	12	)	)	PUNCT
ajfa-4326	367	13	program	program	NOUN
ajfa-4326	367	14	(	(	PUNCT
ajfa-4326	367	15	cepa	cepa	NOUN
ajfa-4326	367	16	working	working	NOUN
ajfa-4326	367	17	paper	paper	NOUN
ajfa-4326	367	18	96/98	96/98	NUM
ajfa-4326	367	19	)	)	PUNCT
ajfa-4326	367	20	.	.	PUNCT
ajfa-4326	368	1	armidale	armidale	PROPN
ajfa-4326	368	2	:	:	PUNCT
ajfa-4326	368	3	university	university	NOUN
ajfa-4326	368	4	of	of	ADP
ajfa-4326	368	5	new	new	PROPN
ajfa-4326	368	6	england	england	PROPN
ajfa-4326	368	7	,	,	PUNCT
ajfa-4326	368	8	cepa	cepa	NOUN
ajfa-4326	368	9	.	.	PUNCT
ajfa-4326	368	10	coelli	coelli	PROPN
ajfa-4326	368	11	,	,	PUNCT
ajfa-4326	368	12	t.	t.	PROPN
ajfa-4326	368	13	j.	j.	PROPN
ajfa-4326	368	14	,	,	PUNCT
ajfa-4326	368	15	&	&	CCONJ
ajfa-4326	368	16	rao	rao	PROPN
ajfa-4326	368	17	,	,	PUNCT
ajfa-4326	368	18	d.	d.	PROPN
ajfa-4326	368	19	p.	p.	PROPN
ajfa-4326	368	20	(	(	PUNCT
ajfa-4326	368	21	2005	2005	NUM
ajfa-4326	368	22	)	)	PUNCT
ajfa-4326	368	23	.	.	PUNCT
ajfa-4326	369	1	total	total	ADJ
ajfa-4326	369	2	factor	factor	NOUN
ajfa-4326	369	3	productivity	productivity	NOUN
ajfa-4326	369	4	growth	growth	NOUN
ajfa-4326	369	5	in	in	ADP
ajfa-4326	369	6	agriculture	agriculture	NOUN
ajfa-4326	369	7	:	:	PUNCT
ajfa-4326	369	8	a	a	DET
ajfa-4326	369	9	malmquist	malmquist	NOUN
ajfa-4326	369	10	index	index	NOUN
ajfa-4326	369	11	analysis	analysis	NOUN
ajfa-4326	369	12	of	of	ADP
ajfa-4326	369	13	93	93	NUM
ajfa-4326	369	14	countries	country	NOUN
ajfa-4326	369	15	,	,	PUNCT
ajfa-4326	369	16	1980	1980	NUM
ajfa-4326	369	17	-	-	SYM
ajfa-4326	369	18	2000	2000	NUM
ajfa-4326	369	19	.	.	PUNCT
ajfa-4326	370	1	agriculture	agriculture	NOUN
ajfa-4326	370	2	economics	economic	NOUN
ajfa-4326	370	3	,	,	PUNCT
ajfa-4326	370	4	32(01	32(01	NUM
ajfa-4326	370	5	)	)	PUNCT
ajfa-4326	370	6	,	,	PUNCT
ajfa-4326	370	7	115	115	NUM
ajfa-4326	370	8	-	-	SYM
ajfa-4326	370	9	134	134	NUM
ajfa-4326	370	10	.	.	PUNCT
ajfa-4326	371	1	http://dx.doi.org/10.1111/j.0169-5150.2004.00018.x	http://dx.doi.org/10.1111/j.0169-5150.2004.00018.x	ADJ
ajfa-4326	371	2	drake	drake	PROPN
ajfa-4326	371	3	,	,	PUNCT
ajfa-4326	371	4	l.	l.	PROPN
ajfa-4326	371	5	(	(	PUNCT
ajfa-4326	371	6	2001	2001	NUM
ajfa-4326	371	7	)	)	PUNCT
ajfa-4326	371	8	.	.	PUNCT
ajfa-4326	372	1	efficiency	efficiency	NOUN
ajfa-4326	372	2	and	and	CCONJ
ajfa-4326	372	3	productivity	productivity	NOUN
ajfa-4326	372	4	change	change	NOUN
ajfa-4326	372	5	in	in	ADP
ajfa-4326	372	6	uk	uk	PROPN
ajfa-4326	372	7	banking	banking	NOUN
ajfa-4326	372	8	.	.	PUNCT
ajfa-4326	373	1	applied	apply	VERB
ajfa-4326	373	2	financial	financial	ADJ
ajfa-4326	373	3	economics	economic	NOUN
ajfa-4326	373	4	,	,	PUNCT
ajfa-4326	373	5	11(5	11(5	NUM
ajfa-4326	373	6	)	)	PUNCT
ajfa-4326	373	7	,	,	PUNCT
ajfa-4326	373	8	557	557	NUM
ajfa-4326	373	9	-	-	SYM
ajfa-4326	373	10	571	571	NUM
ajfa-4326	373	11	.	.	PUNCT
ajfa-4326	374	1	http://dx.doi.org/10.1080/096031001752236825	http://dx.doi.org/10.1080/096031001752236825	PROPN
ajfa-4326	374	2	eichengreen	eichengreen	PROPN
ajfa-4326	374	3	,	,	PUNCT
ajfa-4326	374	4	b.	b.	PROPN
ajfa-4326	374	5	&	&	CCONJ
ajfa-4326	374	6	gibson	gibson	PROPN
ajfa-4326	374	7	,	,	PUNCT
ajfa-4326	374	8	h.d	h.d	PROPN
ajfa-4326	374	9	.	.	PROPN
ajfa-4326	374	10	(	(	PUNCT
ajfa-4326	374	11	2001	2001	NUM
ajfa-4326	374	12	)	)	PUNCT
ajfa-4326	374	13	.	.	PUNCT
ajfa-4326	375	1	greek	greek	ADJ
ajfa-4326	375	2	banking	banking	NOUN
ajfa-4326	375	3	at	at	ADP
ajfa-4326	375	4	the	the	DET
ajfa-4326	375	5	dawn	dawn	NOUN
ajfa-4326	375	6	of	of	ADP
ajfa-4326	375	7	the	the	DET
ajfa-4326	375	8	new	new	ADJ
ajfa-4326	375	9	millennium	millennium	NOUN
ajfa-4326	375	10	.	.	PUNCT
ajfa-4326	376	1	discussion	discussion	NOUN
ajfa-4326	376	2	paper	paper	NOUN
ajfa-4326	376	3	,	,	PUNCT
ajfa-4326	376	4	center	center	NOUN
ajfa-4326	376	5	of	of	ADP
ajfa-4326	376	6	economic	economic	ADJ
ajfa-4326	376	7	and	and	CCONJ
ajfa-4326	376	8	policy	policy	NOUN
ajfa-4326	376	9	research	research	NOUN
ajfa-4326	376	10	.	.	PUNCT
ajfa-4326	377	1	fare	fare	PROPN
ajfa-4326	377	2	,	,	PUNCT
ajfa-4326	377	3	r.	r.	PROPN
ajfa-4326	377	4	,	,	PUNCT
ajfa-4326	377	5	grosskopf	grosskopf	NOUN
ajfa-4326	377	6	,	,	PUNCT
ajfa-4326	377	7	s.	s.	PROPN
ajfa-4326	377	8	,	,	PUNCT
ajfa-4326	377	9	lindgren	lindgren	PROPN
ajfa-4326	377	10	,	,	PUNCT
ajfa-4326	377	11	b.	b.	PROPN
ajfa-4326	377	12	,	,	PUNCT
ajfa-4326	377	13	&	&	CCONJ
ajfa-4326	377	14	roos	roos	PROPN
ajfa-4326	377	15	,	,	PUNCT
ajfa-4326	377	16	p.	p.	NOUN
ajfa-4326	377	17	(	(	PUNCT
ajfa-4326	377	18	1989	1989	NUM
ajfa-4326	377	19	)	)	PUNCT
ajfa-4326	377	20	.	.	PUNCT
ajfa-4326	378	1	productivity	productivity	NOUN
ajfa-4326	378	2	developments	development	NOUN
ajfa-4326	378	3	in	in	ADP
ajfa-4326	378	4	swedish	swedish	ADJ
ajfa-4326	378	5	hospital	hospital	NOUN
ajfa-4326	378	6	:	:	PUNCT
ajfa-4326	378	7	a	a	DET
ajfa-4326	378	8	malmquist	malmquist	ADJ
ajfa-4326	378	9	output	output	NOUN
ajfa-4326	378	10	index	index	NOUN
ajfa-4326	378	11	approach	approach	NOUN
ajfa-4326	378	12	.	.	PUNCT
ajfa-4326	379	1	in	in	ADP
ajfa-4326	379	2	a.	a.	NOUN
ajfa-4326	379	3	charnes	charnes	PROPN
ajfa-4326	379	4	,	,	PUNCT
ajfa-4326	379	5	w.	w.	PROPN
ajfa-4326	379	6	w.	w.	PROPN
ajfa-4326	379	7	cooper	cooper	PROPN
ajfa-4326	379	8	,	,	PUNCT
ajfa-4326	379	9	a.	a.	PROPN
ajfa-4326	379	10	lewin	lewin	PROPN
ajfa-4326	379	11	,	,	PUNCT
ajfa-4326	379	12	&	&	CCONJ
ajfa-4326	379	13	l.	l.	PROPN
ajfa-4326	379	14	seiford	seiford	PROPN
ajfa-4326	379	15	(	(	PUNCT
ajfa-4326	379	16	eds	ed	NOUN
ajfa-4326	379	17	.	.	PUNCT
ajfa-4326	379	18	)	)	PUNCT
ajfa-4326	379	19	.	.	PUNCT
ajfa-4326	380	1	data	datum	NOUN
ajfa-4326	380	2	envelopment	envelopment	ADJ
ajfa-4326	380	3	analysis	analysis	NOUN
ajfa-4326	380	4	:	:	PUNCT
ajfa-4326	380	5	theory	theory	NOUN
ajfa-4326	380	6	,	,	PUNCT
ajfa-4326	380	7	methodology	methodology	NOUN
ajfa-4326	380	8	and	and	CCONJ
ajfa-4326	380	9	applications	application	NOUN
ajfa-4326	380	10	.	.	PUNCT
ajfa-4326	381	1	boston	boston	PROPN
ajfa-4326	381	2	:	:	PUNCT
ajfa-4326	381	3	kluwer	kluwer	PROPN
ajfa-4326	381	4	academic	academic	ADJ
ajfa-4326	381	5	publisher	publisher	NOUN
ajfa-4326	381	6	.	.	PUNCT
ajfa-4326	382	1	fare	fare	PROPN
ajfa-4326	382	2	,	,	PUNCT
ajfa-4326	382	3	r.	r.	PROPN
ajfa-4326	382	4	,	,	PUNCT
ajfa-4326	382	5	shawna	shawna	PROPN
ajfa-4326	382	6	,	,	PUNCT
ajfa-4326	382	7	g.	g.	PROPN
ajfa-4326	382	8	,	,	PUNCT
ajfa-4326	382	9	mary	mary	PROPN
ajfa-4326	382	10	,	,	PUNCT
ajfa-4326	382	11	n.	n.	NOUN
ajfa-4326	382	12	,	,	PUNCT
ajfa-4326	382	13	&	&	CCONJ
ajfa-4326	382	14	zhongyang	zhongyang	PROPN
ajfa-4326	382	15	,	,	PUNCT
ajfa-4326	382	16	z.	z.	PROPN
ajfa-4326	382	17	(	(	PUNCT
ajfa-4326	382	18	1994	1994	NUM
ajfa-4326	382	19	)	)	PUNCT
ajfa-4326	382	20	.	.	PUNCT
ajfa-4326	383	1	productivity	productivity	NOUN
ajfa-4326	383	2	growth	growth	NOUN
ajfa-4326	383	3	,	,	PUNCT
ajfa-4326	383	4	technical	technical	ADJ
ajfa-4326	383	5	progress	progress	NOUN
ajfa-4326	383	6	and	and	CCONJ
ajfa-4326	383	7	efficiency	efficiency	NOUN
ajfa-4326	383	8	change	change	NOUN
ajfa-4326	383	9	in	in	ADP
ajfa-4326	383	10	industrialized	industrialized	ADJ
ajfa-4326	383	11	countries	country	NOUN
ajfa-4326	383	12	.	.	PUNCT
ajfa-4326	384	1	american	american	PROPN
ajfa-4326	384	2	economic	economic	PROPN
ajfa-4326	384	3	review	review	PROPN
ajfa-4326	384	4	,	,	PUNCT
ajfa-4326	384	5	84(1	84(1	NUM
ajfa-4326	384	6	)	)	PUNCT
ajfa-4326	384	7	,	,	PUNCT
ajfa-4326	384	8	66	66	NUM
ajfa-4326	384	9	-	-	SYM
ajfa-4326	384	10	83	83	NUM
ajfa-4326	384	11	.	.	PUNCT
ajfa-4326	385	1	forsund	forsund	PROPN
ajfa-4326	385	2	,	,	PUNCT
ajfa-4326	385	3	f.	f.	PROPN
ajfa-4326	385	4	(	(	PUNCT
ajfa-4326	385	5	1991	1991	NUM
ajfa-4326	385	6	)	)	PUNCT
ajfa-4326	385	7	.	.	PUNCT
ajfa-4326	386	1	the	the	DET
ajfa-4326	386	2	malmquist	malmquist	PROPN
ajfa-4326	386	3	productivity	productivity	PROPN
ajfa-4326	386	4	index	index	PROPN
ajfa-4326	386	5	.	.	PUNCT
ajfa-4326	387	1	paper	paper	NOUN
ajfa-4326	387	2	presented	present	VERB
ajfa-4326	387	3	at	at	ADP
ajfa-4326	387	4	the	the	DET
ajfa-4326	387	5	second	second	ADJ
ajfa-4326	387	6	european	european	ADJ
ajfa-4326	387	7	workshop	workshop	NOUN
ajfa-4326	387	8	on	on	ADP
ajfa-4326	387	9	efficiency	efficiency	NOUN
ajfa-4326	387	10	and	and	CCONJ
ajfa-4326	387	11	productivity	productivity	NOUN
ajfa-4326	387	12	measurement	measurement	NOUN
ajfa-4326	387	13	.	.	PUNCT
ajfa-4326	388	1	lauvainla	lauvainla	NOUN
ajfa-4326	388	2	-	-	PUNCT
ajfa-4326	388	3	neuve	neuve	PROPN
ajfa-4326	388	4	,	,	PUNCT
ajfa-4326	388	5	belgium	belgium	NOUN
ajfa-4326	388	6	:	:	PUNCT
ajfa-4326	388	7	centre	centre	NOUN
ajfa-4326	388	8	of	of	ADP
ajfa-4326	388	9	operations	operation	NOUN
ajfa-4326	388	10	research	research	NOUN
ajfa-4326	388	11	&	&	CCONJ
ajfa-4326	388	12	econometrics	econometrics	PROPN
ajfa-4326	388	13	,	,	PUNCT
ajfa-4326	388	14	university	university	NOUN
ajfa-4326	388	15	catholique	catholique	NOUN
ajfa-4326	388	16	de	de	X
ajfa-4326	388	17	louvain	louvain	NOUN
ajfa-4326	388	18	.	.	PUNCT
ajfa-4326	389	1	galagedera	galagedera	NOUN
ajfa-4326	389	2	,	,	PUNCT
ajfa-4326	389	3	d.	d.	PROPN
ajfa-4326	389	4	u.	u.	PROPN
ajfa-4326	389	5	,	,	PUNCT
ajfa-4326	389	6	&	&	CCONJ
ajfa-4326	389	7	edirisuriya	edirisuriya	PROPN
ajfa-4326	389	8	,	,	PUNCT
ajfa-4326	389	9	p.	p.	NOUN
ajfa-4326	389	10	(	(	PUNCT
ajfa-4326	389	11	2005	2005	NUM
ajfa-4326	389	12	)	)	PUNCT
ajfa-4326	389	13	.	.	PUNCT
ajfa-4326	390	1	performance	performance	NOUN
ajfa-4326	390	2	of	of	ADP
ajfa-4326	390	3	indian	indian	ADJ
ajfa-4326	390	4	commercial	commercial	ADJ
ajfa-4326	390	5	banks	bank	NOUN
ajfa-4326	390	6	(	(	PUNCT
ajfa-4326	390	7	1995	1995	NUM
ajfa-4326	390	8	-	-	SYM
ajfa-4326	390	9	2002	2002	NUM
ajfa-4326	390	10	):	):	PUNCT
ajfa-4326	390	11	an	an	DET
ajfa-4326	390	12	application	application	NOUN
ajfa-4326	390	13	of	of	ADP
ajfa-4326	390	14	data	datum	NOUN
ajfa-4326	390	15	envelopment	envelopment	ADJ
ajfa-4326	390	16	analysis	analysis	NOUN
ajfa-4326	390	17	and	and	CCONJ
ajfa-4326	390	18	malmquist	malmquist	NOUN
ajfa-4326	390	19	productivity	productivity	NOUN
ajfa-4326	390	20	index	index	PROPN
ajfa-4326	390	21	.	.	PUNCT
ajfa-4326	391	1	south	south	ADJ
ajfa-4326	391	2	asian	asian	PROPN
ajfa-4326	391	3	journal	journal	PROPN
ajfa-4326	391	4	of	of	ADP
ajfa-4326	391	5	management	management	NOUN
ajfa-4326	391	6	,	,	PUNCT
ajfa-4326	391	7	12(4	12(4	NUM
ajfa-4326	391	8	)	)	PUNCT
ajfa-4326	391	9	,	,	PUNCT
ajfa-4326	391	10	52	52	NUM
ajfa-4326	391	11	-	-	SYM
ajfa-4326	391	12	74	74	NUM
ajfa-4326	391	13	.	.	PUNCT
ajfa-4326	392	1	asian	asian	ADJ
ajfa-4326	392	2	journal	journal	PROPN
ajfa-4326	392	3	of	of	ADP
ajfa-4326	392	4	finance	finance	PROPN
ajfa-4326	392	5	&	&	CCONJ
ajfa-4326	392	6	accounting	accounting	PROPN
ajfa-4326	392	7	issn	issn	PROPN
ajfa-4326	392	8	1946	1946	NUM
ajfa-4326	392	9	-	-	PUNCT
ajfa-4326	392	10	052x	052x	NOUN
ajfa-4326	392	11	2013	2013	NUM
ajfa-4326	392	12	,	,	PUNCT
ajfa-4326	392	13	vol	vol	NOUN
ajfa-4326	392	14	.	.	PROPN
ajfa-4326	392	15	5	5	NUM
ajfa-4326	392	16	,	,	PUNCT
ajfa-4326	392	17	no	no	INTJ
ajfa-4326	392	18	.	.	NOUN
ajfa-4326	392	19	2	2	NUM
ajfa-4326	392	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-4326	392	21	242	242	NUM
ajfa-4326	392	22	gillen	gillen	NOUN
ajfa-4326	392	23	,	,	PUNCT
ajfa-4326	392	24	d.	d.	PROPN
ajfa-4326	392	25	,	,	PUNCT
ajfa-4326	392	26	&	&	CCONJ
ajfa-4326	392	27	lall	lall	PROPN
ajfa-4326	392	28	,	,	PUNCT
ajfa-4326	392	29	a.	a.	NOUN
ajfa-4326	392	30	(	(	PUNCT
ajfa-4326	392	31	1997	1997	NUM
ajfa-4326	392	32	)	)	PUNCT
ajfa-4326	392	33	.	.	PUNCT
ajfa-4326	393	1	non	non	ADJ
ajfa-4326	393	2	-	-	ADJ
ajfa-4326	393	3	parametric	parametric	ADJ
ajfa-4326	393	4	measures	measure	NOUN
ajfa-4326	393	5	of	of	ADP
ajfa-4326	393	6	efficiency	efficiency	NOUN
ajfa-4326	393	7	of	of	ADP
ajfa-4326	393	8	us	us	PROPN
ajfa-4326	393	9	airports	airport	NOUN
ajfa-4326	393	10	.	.	PUNCT
ajfa-4326	394	1	international	international	ADJ
ajfa-4326	394	2	journal	journal	PROPN
ajfa-4326	394	3	of	of	ADP
ajfa-4326	394	4	transport	transport	NOUN
ajfa-4326	394	5	economics	economic	NOUN
ajfa-4326	394	6	,	,	PUNCT
ajfa-4326	394	7	28	28	NUM
ajfa-4326	394	8	,	,	PUNCT
ajfa-4326	394	9	283	283	NUM
ajfa-4326	394	10	-	-	SYM
ajfa-4326	394	11	306	306	NUM
ajfa-4326	394	12	.	.	PUNCT
ajfa-4326	395	1	grifell	grifell	NOUN
ajfa-4326	395	2	-	-	PUNCT
ajfa-4326	395	3	tatje	tatje	PROPN
ajfa-4326	395	4	,	,	PUNCT
ajfa-4326	395	5	e.	e.	PROPN
ajfa-4326	395	6	,	,	PUNCT
ajfa-4326	395	7	&	&	CCONJ
ajfa-4326	395	8	lovel	lovel	PROPN
ajfa-4326	395	9	,	,	PUNCT
ajfa-4326	395	10	c.	c.	PROPN
ajfa-4326	395	11	a.	a.	PROPN
ajfa-4326	395	12	(	(	PUNCT
ajfa-4326	395	13	1997	1997	NUM
ajfa-4326	395	14	)	)	PUNCT
ajfa-4326	395	15	.	.	PUNCT
ajfa-4326	396	1	the	the	DET
ajfa-4326	396	2	sources	source	NOUN
ajfa-4326	396	3	of	of	ADP
ajfa-4326	396	4	productivity	productivity	NOUN
ajfa-4326	396	5	change	change	NOUN
ajfa-4326	396	6	in	in	ADP
ajfa-4326	396	7	spanish	spanish	ADJ
ajfa-4326	396	8	banking	banking	NOUN
ajfa-4326	396	9	.	.	PUNCT
ajfa-4326	397	1	european	european	PROPN
ajfa-4326	397	2	journal	journal	PROPN
ajfa-4326	397	3	of	of	ADP
ajfa-4326	397	4	operational	operational	ADJ
ajfa-4326	397	5	research	research	NOUN
ajfa-4326	397	6	,	,	PUNCT
ajfa-4326	397	7	98	98	NUM
ajfa-4326	397	8	,	,	PUNCT
ajfa-4326	397	9	364	364	NUM
ajfa-4326	397	10	-	-	SYM
ajfa-4326	397	11	380	380	NUM
ajfa-4326	397	12	.	.	PUNCT
ajfa-4326	398	1	http://dx.doi.org/10.1016/s0377-2217(96)00353-0	http://dx.doi.org/10.1016/s0377-2217(96)00353-0	PROPN
ajfa-4326	398	2	hasan	hasan	PROPN
ajfa-4326	398	3	,	,	PUNCT
ajfa-4326	398	4	i.	i.	PROPN
ajfa-4326	398	5	,	,	PUNCT
ajfa-4326	398	6	&	&	CCONJ
ajfa-4326	398	7	marton	marton	PROPN
ajfa-4326	398	8	,	,	PUNCT
ajfa-4326	398	9	k.	k.	PROPN
ajfa-4326	398	10	(	(	PUNCT
ajfa-4326	398	11	2003	2003	NUM
ajfa-4326	398	12	)	)	PUNCT
ajfa-4326	398	13	.	.	PUNCT
ajfa-4326	399	1	development	development	NOUN
ajfa-4326	399	2	and	and	CCONJ
ajfa-4326	399	3	efficiency	efficiency	NOUN
ajfa-4326	399	4	of	of	ADP
ajfa-4326	399	5	the	the	DET
ajfa-4326	399	6	banking	banking	NOUN
ajfa-4326	399	7	sector	sector	NOUN
ajfa-4326	399	8	in	in	ADP
ajfa-4326	399	9	a	a	DET
ajfa-4326	399	10	transitional	transitional	ADJ
ajfa-4326	399	11	economy	economy	NOUN
ajfa-4326	399	12	:	:	PUNCT
ajfa-4326	399	13	a	a	DET
ajfa-4326	399	14	hungarian	hungarian	ADJ
ajfa-4326	399	15	experience	experience	NOUN
ajfa-4326	399	16	.	.	PUNCT
ajfa-4326	400	1	journal	journal	NOUN
ajfa-4326	400	2	of	of	ADP
ajfa-4326	400	3	banking	banking	NOUN
ajfa-4326	400	4	and	and	CCONJ
ajfa-4326	400	5	finance	finance	NOUN
ajfa-4326	400	6	,	,	PUNCT
ajfa-4326	400	7	27(12	27(12	NUM
ajfa-4326	400	8	)	)	PUNCT
ajfa-4326	400	9	,	,	PUNCT
ajfa-4326	400	10	2249	2249	NUM
ajfa-4326	400	11	-	-	SYM
ajfa-4326	400	12	2271	2271	NUM
ajfa-4326	400	13	.	.	PUNCT
ajfa-4326	401	1	http://dx.doi.org/10.1016/s0378-4266(02)00328-x	http://dx.doi.org/10.1016/s0378-4266(02)00328-x	PROPN
ajfa-4326	401	2	isik	isik	PROPN
ajfa-4326	401	3	,	,	PUNCT
ajfa-4326	401	4	i.	i.	PROPN
ajfa-4326	401	5	,	,	PUNCT
ajfa-4326	401	6	&	&	CCONJ
ajfa-4326	401	7	hassan	hassan	PROPN
ajfa-4326	401	8	,	,	PUNCT
ajfa-4326	401	9	m.	m.	NOUN
ajfa-4326	401	10	(	(	PUNCT
ajfa-4326	401	11	2002	2002	NUM
ajfa-4326	401	12	)	)	PUNCT
ajfa-4326	401	13	.	.	PUNCT
ajfa-4326	402	1	technical	technical	ADJ
ajfa-4326	402	2	,	,	PUNCT
ajfa-4326	402	3	scale	scale	NOUN
ajfa-4326	402	4	and	and	CCONJ
ajfa-4326	402	5	allocative	allocative	ADJ
ajfa-4326	402	6	efficiencies	efficiency	NOUN
ajfa-4326	402	7	of	of	ADP
ajfa-4326	402	8	turkish	turkish	ADJ
ajfa-4326	402	9	banking	banking	NOUN
ajfa-4326	402	10	industry	industry	NOUN
ajfa-4326	402	11	.	.	PUNCT
ajfa-4326	403	1	journal	journal	PROPN
ajfa-4326	403	2	of	of	ADP
ajfa-4326	403	3	banking	banking	NOUN
ajfa-4326	403	4	and	and	CCONJ
ajfa-4326	403	5	finance	finance	NOUN
ajfa-4326	403	6	,	,	PUNCT
ajfa-4326	403	7	26(4	26(4	NUM
ajfa-4326	403	8	)	)	PUNCT
ajfa-4326	403	9	,	,	PUNCT
ajfa-4326	403	10	719	719	NUM
ajfa-4326	403	11	-	-	SYM
ajfa-4326	403	12	766	766	NUM
ajfa-4326	403	13	.	.	PUNCT
ajfa-4326	404	1	http://dx.doi.org/10.1016/s0378-4266(01)00167-4	http://dx.doi.org/10.1016/s0378-4266(01)00167-4	PROPN
ajfa-4326	404	2	jeanneney	jeanneney	NOUN
ajfa-4326	404	3	,	,	PUNCT
ajfa-4326	404	4	s.	s.	PROPN
ajfa-4326	404	5	g.	g.	PROPN
ajfa-4326	404	6	,	,	PUNCT
ajfa-4326	404	7	hua	hua	PROPN
ajfa-4326	404	8	,	,	PUNCT
ajfa-4326	404	9	p.	p.	PROPN
ajfa-4326	404	10	,	,	PUNCT
ajfa-4326	404	11	&	&	CCONJ
ajfa-4326	404	12	liang	liang	PROPN
ajfa-4326	404	13	,	,	PUNCT
ajfa-4326	404	14	z.	z.	PROPN
ajfa-4326	404	15	(	(	PUNCT
ajfa-4326	404	16	2006	2006	NUM
ajfa-4326	404	17	)	)	PUNCT
ajfa-4326	404	18	.	.	PUNCT
ajfa-4326	405	1	financial	financial	ADJ
ajfa-4326	405	2	development	development	PROPN
ajfa-4326	405	3	,	,	PUNCT
ajfa-4326	405	4	economic	economic	ADJ
ajfa-4326	405	5	efficiency	efficiency	NOUN
ajfa-4326	405	6	,	,	PUNCT
ajfa-4326	405	7	and	and	CCONJ
ajfa-4326	405	8	productivity	productivity	NOUN
ajfa-4326	405	9	growth	growth	NOUN
ajfa-4326	405	10	:	:	PUNCT
ajfa-4326	405	11	evidence	evidence	NOUN
ajfa-4326	405	12	from	from	ADP
ajfa-4326	405	13	china	china	PROPN
ajfa-4326	405	14	.	.	PUNCT
ajfa-4326	406	1	the	the	DET
ajfa-4326	406	2	developing	develop	VERB
ajfa-4326	406	3	economies	economy	NOUN
ajfa-4326	406	4	,	,	PUNCT
ajfa-4326	406	5	44(1	44(1	PROPN
ajfa-4326	406	6	)	)	PUNCT
ajfa-4326	406	7	,	,	PUNCT
ajfa-4326	406	8	27	27	NUM
ajfa-4326	406	9	-	-	SYM
ajfa-4326	406	10	52	52	NUM
ajfa-4326	406	11	.	.	PUNCT
ajfa-4326	407	1	http://dx.doi.org/10.1111/j.1746-1049.2006.00002.x	http://dx.doi.org/10.1111/j.1746-1049.2006.00002.x	PROPN
ajfa-4326	407	2	jha	jha	PROPN
ajfa-4326	407	3	,	,	PUNCT
ajfa-4326	407	4	d.	d.	PROPN
ajfa-4326	407	5	k.	k.	PROPN
ajfa-4326	407	6	,	,	PUNCT
ajfa-4326	407	7	yorino	yorino	PROPN
ajfa-4326	407	8	,	,	PUNCT
ajfa-4326	407	9	n.	n.	NOUN
ajfa-4326	407	10	,	,	PUNCT
ajfa-4326	407	11	&	&	CCONJ
ajfa-4326	407	12	zoka	zoka	PROPN
ajfa-4326	407	13	,	,	PUNCT
ajfa-4326	407	14	y.	y.	PROPN
ajfa-4326	407	15	(	(	PUNCT
ajfa-4326	407	16	2007	2007	NUM
ajfa-4326	407	17	)	)	PUNCT
ajfa-4326	407	18	.	.	PUNCT
ajfa-4326	408	1	benchmarking	benchmarke	VERB
ajfa-4326	408	2	results	result	NOUN
ajfa-4326	408	3	of	of	ADP
ajfa-4326	408	4	electricity	electricity	NOUN
ajfa-4326	408	5	generating	generating	NOUN
ajfa-4326	408	6	plants	plant	NOUN
ajfa-4326	408	7	in	in	ADP
ajfa-4326	408	8	nepal	nepal	ADJ
ajfa-4326	408	9	using	use	VERB
ajfa-4326	408	10	modified	modified	ADJ
ajfa-4326	408	11	dea	dea	NOUN
ajfa-4326	408	12	models	model	NOUN
ajfa-4326	408	13	.	.	PUNCT
ajfa-4326	409	1	osaka	osaka	PROPN
ajfa-4326	409	2	,	,	PUNCT
ajfa-4326	409	3	japan	japan	PROPN
ajfa-4326	409	4	.	.	PUNCT
ajfa-4326	410	1	kosmidou	kosmidou	PROPN
ajfa-4326	410	2	,	,	PUNCT
ajfa-4326	410	3	k.	k.	PROPN
ajfa-4326	410	4	(	(	PUNCT
ajfa-4326	410	5	2008	2008	NUM
ajfa-4326	410	6	)	)	PUNCT
ajfa-4326	410	7	.	.	PUNCT
ajfa-4326	411	1	the	the	DET
ajfa-4326	411	2	determinants	determinant	NOUN
ajfa-4326	411	3	of	of	ADP
ajfa-4326	411	4	banks	bank	NOUN
ajfa-4326	411	5	’	'	PUNCT
ajfa-4326	411	6	profits	profit	NOUN
ajfa-4326	411	7	in	in	ADP
ajfa-4326	411	8	greece	greece	PROPN
ajfa-4326	411	9	during	during	ADP
ajfa-4326	411	10	the	the	DET
ajfa-4326	411	11	period	period	NOUN
ajfa-4326	411	12	of	of	ADP
ajfa-4326	411	13	eu	eu	PROPN
ajfa-4326	411	14	financial	financial	ADJ
ajfa-4326	411	15	integration	integration	NOUN
ajfa-4326	411	16	.	.	PUNCT
ajfa-4326	412	1	managerial	managerial	ADJ
ajfa-4326	412	2	finance	finance	NOUN
ajfa-4326	412	3	,	,	PUNCT
ajfa-4326	412	4	34(3	34(3	NUM
ajfa-4326	412	5	)	)	PUNCT
ajfa-4326	412	6	,	,	PUNCT
ajfa-4326	412	7	146–159	146–159	NUM
ajfa-4326	412	8	.	.	PUNCT
ajfa-4326	413	1	http://dx.doi.org/10.1108/03074350810848036	http://dx.doi.org/10.1108/03074350810848036	PROPN
ajfa-4326	413	2	lv	lv	PROPN
ajfa-4326	413	3	,	,	PUNCT
ajfa-4326	413	4	w.	w.	PROPN
ajfa-4326	413	5	,	,	PUNCT
ajfa-4326	413	6	hong	hong	PROPN
ajfa-4326	413	7	,	,	PUNCT
ajfa-4326	413	8	h.	h.	PROPN
ajfa-4326	413	9	,	,	PUNCT
ajfa-4326	413	10	&	&	CCONJ
ajfa-4326	413	11	fang	fang	PROPN
ajfa-4326	413	12	,	,	PUNCT
ajfa-4326	413	13	k.	k.	PROPN
ajfa-4326	413	14	(	(	PUNCT
ajfa-4326	413	15	2012	2012	NUM
ajfa-4326	413	16	)	)	PUNCT
ajfa-4326	413	17	.	.	PUNCT
ajfa-4326	414	1	chinese	chinese	ADJ
ajfa-4326	414	2	regional	regional	ADJ
ajfa-4326	414	3	energy	energy	NOUN
ajfa-4326	414	4	efficiency	efficiency	NOUN
ajfa-4326	414	5	change	change	NOUN
ajfa-4326	414	6	and	and	CCONJ
ajfa-4326	414	7	its	its	PRON
ajfa-4326	414	8	determinants	determinant	NOUN
ajfa-4326	414	9	analysis	analysis	NOUN
ajfa-4326	414	10	:	:	PUNCT
ajfa-4326	414	11	malmquist	malmquist	NOUN
ajfa-4326	414	12	index	index	NOUN
ajfa-4326	414	13	and	and	CCONJ
ajfa-4326	414	14	tobit	tobit	PROPN
ajfa-4326	414	15	model	model	NOUN
ajfa-4326	414	16	.	.	PUNCT
ajfa-4326	415	1	annals	annal	NOUN
ajfa-4326	415	2	of	of	ADP
ajfa-4326	415	3	operation	operation	NOUN
ajfa-4326	415	4	research	research	NOUN
ajfa-4326	415	5	,	,	PUNCT
ajfa-4326	415	6	1	1	NUM
ajfa-4326	415	7	-	-	SYM
ajfa-4326	415	8	14	14	NUM
ajfa-4326	415	9	.	.	PUNCT
ajfa-4326	416	1	malmquist	malmquist	PROPN
ajfa-4326	416	2	,	,	PUNCT
ajfa-4326	416	3	s.	s.	PROPN
ajfa-4326	416	4	(	(	PUNCT
ajfa-4326	416	5	1953	1953	NUM
ajfa-4326	416	6	)	)	PUNCT
ajfa-4326	416	7	.	.	PUNCT
ajfa-4326	417	1	index	index	NOUN
ajfa-4326	417	2	numbers	number	NOUN
ajfa-4326	417	3	and	and	CCONJ
ajfa-4326	417	4	indifference	indifference	NOUN
ajfa-4326	417	5	curves	curve	NOUN
ajfa-4326	417	6	.	.	PUNCT
ajfa-4326	418	1	trabajos	trabajos	PROPN
ajfa-4326	418	2	de	de	X
ajfa-4326	418	3	estatica	estatica	PROPN
ajfa-4326	418	4	,	,	PUNCT
ajfa-4326	418	5	4(1	4(1	NOUN
ajfa-4326	418	6	)	)	PUNCT
ajfa-4326	418	7	,	,	PUNCT
ajfa-4326	418	8	209	209	NUM
ajfa-4326	418	9	-	-	SYM
ajfa-4326	418	10	242	242	NUM
ajfa-4326	418	11	.	.	PUNCT
ajfa-4326	419	1	http://dx.doi.org/10.1007/bf03006863	http://dx.doi.org/10.1007/bf03006863	PROPN
ajfa-4326	419	2	mao	mao	PROPN
ajfa-4326	419	3	,	,	PUNCT
ajfa-4326	419	4	w.	w.	PROPN
ajfa-4326	419	5	,	,	PUNCT
ajfa-4326	419	6	&	&	CCONJ
ajfa-4326	419	7	koo	koo	PROPN
ajfa-4326	419	8	,	,	PUNCT
ajfa-4326	419	9	w.	w.	NOUN
ajfa-4326	419	10	(	(	PUNCT
ajfa-4326	419	11	1996	1996	NUM
ajfa-4326	419	12	)	)	PUNCT
ajfa-4326	419	13	.	.	PUNCT
ajfa-4326	420	1	productivity	productivity	NOUN
ajfa-4326	420	2	growth	growth	NOUN
ajfa-4326	420	3	,	,	PUNCT
ajfa-4326	420	4	technology	technology	NOUN
ajfa-4326	420	5	progress	progress	NOUN
ajfa-4326	420	6	and	and	CCONJ
ajfa-4326	420	7	efficiency	efficiency	NOUN
ajfa-4326	420	8	change	change	NOUN
ajfa-4326	420	9	in	in	ADP
ajfa-4326	420	10	chinese	chinese	ADJ
ajfa-4326	420	11	agricultural	agricultural	ADJ
ajfa-4326	420	12	production	production	NOUN
ajfa-4326	420	13	from	from	ADP
ajfa-4326	420	14	1984	1984	NUM
ajfa-4326	420	15	to	to	ADP
ajfa-4326	420	16	1993	1993	NUM
ajfa-4326	420	17	.	.	PUNCT
ajfa-4326	421	1	north	north	PROPN
ajfa-4326	421	2	dakota	dakota	PROPN
ajfa-4326	421	3	state	state	PROPN
ajfa-4326	421	4	university	university	PROPN
ajfa-4326	421	5	.	.	PUNCT
ajfa-4326	422	1	maskay	maskay	PROPN
ajfa-4326	422	2	,	,	PUNCT
ajfa-4326	422	3	n.	n.	PROPN
ajfa-4326	422	4	m.	m.	NOUN
ajfa-4326	422	5	,	,	PUNCT
ajfa-4326	422	6	&	&	CCONJ
ajfa-4326	422	7	subedi	subedi	PROPN
ajfa-4326	422	8	,	,	PUNCT
ajfa-4326	422	9	s.	s.	PROPN
ajfa-4326	422	10	r.	r.	PROPN
ajfa-4326	422	11	(	(	PUNCT
ajfa-4326	422	12	2009	2009	NUM
ajfa-4326	422	13	)	)	PUNCT
ajfa-4326	422	14	.	.	PUNCT
ajfa-4326	423	1	development	development	NOUN
ajfa-4326	423	2	of	of	ADP
ajfa-4326	423	3	the	the	DET
ajfa-4326	423	4	nepalese	nepalese	ADJ
ajfa-4326	423	5	financial	financial	ADJ
ajfa-4326	423	6	system	system	NOUN
ajfa-4326	423	7	:	:	PUNCT
ajfa-4326	423	8	need	need	VERB
ajfa-4326	423	9	for	for	ADP
ajfa-4326	423	10	the	the	DET
ajfa-4326	423	11	formulation	formulation	NOUN
ajfa-4326	423	12	of	of	ADP
ajfa-4326	423	13	a	a	DET
ajfa-4326	423	14	master	master	NOUN
ajfa-4326	423	15	plan	plan	NOUN
ajfa-4326	423	16	.	.	PUNCT
ajfa-4326	424	1	economic	economic	ADJ
ajfa-4326	424	2	review	review	NOUN
ajfa-4326	424	3	(	(	PUNCT
ajfa-4326	424	4	occassional	occassional	ADJ
ajfa-4326	424	5	paper	paper	NOUN
ajfa-4326	424	6	)	)	PUNCT
ajfa-4326	424	7	,	,	PUNCT
ajfa-4326	424	8	21	21	NUM
ajfa-4326	424	9	.	.	PUNCT
ajfa-4326	424	10	neal	neal	PROPN
ajfa-4326	424	11	,	,	PUNCT
ajfa-4326	424	12	p.	p.	NOUN
ajfa-4326	424	13	(	(	PUNCT
ajfa-4326	424	14	2004	2004	NUM
ajfa-4326	424	15	)	)	PUNCT
ajfa-4326	424	16	.	.	PUNCT
ajfa-4326	425	1	x	x	X
ajfa-4326	425	2	-	-	PUNCT
ajfa-4326	425	3	efficiency	efficiency	NOUN
ajfa-4326	425	4	and	and	CCONJ
ajfa-4326	425	5	productivity	productivity	NOUN
ajfa-4326	425	6	change	change	NOUN
ajfa-4326	425	7	in	in	ADP
ajfa-4326	425	8	australian	australian	ADJ
ajfa-4326	425	9	banking	banking	NOUN
ajfa-4326	425	10	.	.	PUNCT
ajfa-4326	426	1	australian	australian	ADJ
ajfa-4326	426	2	economic	economic	ADJ
ajfa-4326	426	3	papers	paper	NOUN
ajfa-4326	426	4	,	,	PUNCT
ajfa-4326	426	5	43	43	NUM
ajfa-4326	426	6	,	,	PUNCT
ajfa-4326	426	7	174	174	NUM
ajfa-4326	426	8	-	-	SYM
ajfa-4326	426	9	191	191	NUM
ajfa-4326	426	10	.	.	PUNCT
ajfa-4326	427	1	http://dx.doi.org/10.1111/j.1467-8454.2004.00223.x	http://dx.doi.org/10.1111/j.1467-8454.2004.00223.x	VERB
ajfa-4326	427	2	nepal	nepal	PROPN
ajfa-4326	427	3	rastra	rastra	PROPN
ajfa-4326	427	4	bank	bank	PROPN
ajfa-4326	427	5	.	.	PUNCT
ajfa-4326	428	1	(	(	PUNCT
ajfa-4326	428	2	2012	2012	NUM
ajfa-4326	428	3	,	,	PUNCT
ajfa-4326	428	4	mid	mid	PROPN
ajfa-4326	428	5	-	-	PROPN
ajfa-4326	428	6	july	july	NOUN
ajfa-4326	428	7	)	)	PUNCT
ajfa-4326	428	8	.	.	PUNCT
ajfa-4326	429	1	banking	banking	NOUN
ajfa-4326	429	2	and	and	CCONJ
ajfa-4326	429	3	financial	financial	ADJ
ajfa-4326	429	4	statistics	statistic	NOUN
ajfa-4326	429	5	,	,	PUNCT
ajfa-4326	429	6	no	no	INTJ
ajfa-4326	429	7	.	.	NOUN
ajfa-4326	430	1	58	58	NUM
ajfa-4326	430	2	,	,	PUNCT
ajfa-4326	430	3	no	no	INTJ
ajfa-4326	430	4	.	.	NOUN
ajfa-4326	430	5	28	28	NUM
ajfa-4326	430	6	.	.	PUNCT
ajfa-4326	431	1	retrieved	retrieve	VERB
ajfa-4326	431	2	june	june	PROPN
ajfa-4326	431	3	2013	2013	NUM
ajfa-4326	431	4	,	,	PUNCT
ajfa-4326	431	5	from	from	ADP
ajfa-4326	431	6	nepal	nepal	PROPN
ajfa-4326	431	7	rastra	rastra	PROPN
ajfa-4326	431	8	bank	bank	PROPN
ajfa-4326	431	9	central	central	PROPN
ajfa-4326	431	10	bank	bank	PROPN
ajfa-4326	431	11	of	of	ADP
ajfa-4326	431	12	nepal	nepal	NOUN
ajfa-4326	431	13	:	:	PUNCT
ajfa-4326	431	14	http://bfr.nrb.org.np/statistics/bank_fina_statistics/banking_and_financial_statistics--no_58	http://bfr.nrb.org.np/statistics/bank_fina_statistics/banking_and_financial_statistics--no_58	PROPN
ajfa-4326	431	15	%	%	NOUN
ajfa-4326	431	16	20july%202012.pdf	20july%202012.pdf	NUM
ajfa-4326	431	17	omar	omar	PROPN
ajfa-4326	431	18	,	,	PUNCT
ajfa-4326	431	19	m.	m.	NOUN
ajfa-4326	431	20	a.	a.	PROPN
ajfa-4326	431	21	,	,	PUNCT
ajfa-4326	431	22	abdul	abdul	PROPN
ajfa-4326	431	23	rahman	rahman	PROPN
ajfa-4326	431	24	,	,	PUNCT
ajfa-4326	431	25	a.	a.	PROPN
ajfa-4326	431	26	r.	r.	PROPN
ajfa-4326	431	27	,	,	PUNCT
ajfa-4326	431	28	yusof	yusof	PROPN
ajfa-4326	431	29	,	,	PUNCT
ajfa-4326	431	30	r.	r.	PROPN
ajfa-4326	431	31	m.	m.	PROPN
ajfa-4326	431	32	,	,	PUNCT
ajfa-4326	431	33	majid	majid	PROPN
ajfa-4326	431	34	,	,	PUNCT
ajfa-4326	431	35	m.	m.	PROPN
ajfa-4326	431	36	s.	s.	PROPN
ajfa-4326	431	37	,	,	PUNCT
ajfa-4326	431	38	&	&	CCONJ
ajfa-4326	431	39	mohd	mohd	PROPN
ajfa-4326	431	40	.	.	PUNCT
ajfa-4326	432	1	rasid	rasid	PROPN
ajfa-4326	432	2	,	,	PUNCT
ajfa-4326	432	3	m.	m.	PROPN
ajfa-4326	432	4	e.	e.	PROPN
ajfa-4326	432	5	(	(	PUNCT
ajfa-4326	432	6	2006	2006	NUM
ajfa-4326	432	7	)	)	PUNCT
ajfa-4326	432	8	.	.	PUNCT
ajfa-4326	433	1	efficienciy	efficienciy	NOUN
ajfa-4326	433	2	of	of	ADP
ajfa-4326	433	3	commercial	commercial	ADJ
ajfa-4326	433	4	banks	bank	NOUN
ajfa-4326	433	5	in	in	ADP
ajfa-4326	433	6	malaysia	malaysia	PROPN
ajfa-4326	433	7	.	.	PUNCT
ajfa-4326	434	1	asian	asian	PROPN
ajfa-4326	434	2	academy	academy	PROPN
ajfa-4326	434	3	of	of	ADP
ajfa-4326	434	4	management	management	PROPN
ajfa-4326	434	5	journal	journal	PROPN
ajfa-4326	434	6	of	of	ADP
ajfa-4326	434	7	accounting	accounting	NOUN
ajfa-4326	434	8	and	and	CCONJ
ajfa-4326	434	9	finance	finance	NOUN
ajfa-4326	434	10	,	,	PUNCT
ajfa-4326	434	11	2(2	2(2	NUM
ajfa-4326	434	12	)	)	PUNCT
ajfa-4326	434	13	,	,	PUNCT
ajfa-4326	434	14	19	19	NUM
ajfa-4326	434	15	-	-	SYM
ajfa-4326	434	16	42	42	NUM
ajfa-4326	434	17	.	.	PUNCT
ajfa-4326	435	1	asian	asian	ADJ
ajfa-4326	435	2	journal	journal	PROPN
ajfa-4326	435	3	of	of	ADP
ajfa-4326	435	4	finance	finance	PROPN
ajfa-4326	435	5	&	&	CCONJ
ajfa-4326	435	6	accounting	accounting	PROPN
ajfa-4326	435	7	issn	issn	PROPN
ajfa-4326	435	8	1946	1946	NUM
ajfa-4326	435	9	-	-	PUNCT
ajfa-4326	435	10	052x	052x	NOUN
ajfa-4326	435	11	2013	2013	NUM
ajfa-4326	435	12	,	,	PUNCT
ajfa-4326	435	13	vol	vol	NOUN
ajfa-4326	435	14	.	.	PROPN
ajfa-4326	435	15	5	5	NUM
ajfa-4326	435	16	,	,	PUNCT
ajfa-4326	435	17	no	no	INTJ
ajfa-4326	435	18	.	.	NOUN
ajfa-4326	435	19	2	2	NUM
ajfa-4326	435	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-4326	435	21	243	243	NUM
ajfa-4326	435	22	price	price	NOUN
ajfa-4326	435	23	,	,	PUNCT
ajfa-4326	435	24	c.	c.	PROPN
ajfa-4326	435	25	w.	w.	PROPN
ajfa-4326	435	26	,	,	PUNCT
ajfa-4326	435	27	&	&	CCONJ
ajfa-4326	435	28	weyman	weyman	PROPN
ajfa-4326	435	29	-	-	PUNCT
ajfa-4326	435	30	jones	jones	PROPN
ajfa-4326	435	31	,	,	PUNCT
ajfa-4326	435	32	t.	t.	PROPN
ajfa-4326	435	33	(	(	PUNCT
ajfa-4326	435	34	1996	1996	NUM
ajfa-4326	435	35	)	)	PUNCT
ajfa-4326	435	36	.	.	PUNCT
ajfa-4326	436	1	malmquist	malmquist	NOUN
ajfa-4326	436	2	indices	index	NOUN
ajfa-4326	436	3	of	of	ADP
ajfa-4326	436	4	productivity	productivity	NOUN
ajfa-4326	436	5	change	change	NOUN
ajfa-4326	436	6	in	in	ADP
ajfa-4326	436	7	the	the	DET
ajfa-4326	436	8	uk	uk	PROPN
ajfa-4326	436	9	gas	gas	NOUN
ajfa-4326	436	10	industry	industry	NOUN
ajfa-4326	436	11	before	before	ADP
ajfa-4326	436	12	and	and	CCONJ
ajfa-4326	436	13	after	after	ADP
ajfa-4326	436	14	privatization	privatization	NOUN
ajfa-4326	436	15	.	.	PUNCT
ajfa-4326	437	1	applied	apply	VERB
ajfa-4326	437	2	economics	economic	NOUN
ajfa-4326	437	3	,	,	PUNCT
ajfa-4326	437	4	28(1	28(1	NOUN
ajfa-4326	437	5	)	)	PUNCT
ajfa-4326	437	6	,	,	PUNCT
ajfa-4326	437	7	29	29	NUM
ajfa-4326	437	8	-	-	SYM
ajfa-4326	437	9	39	39	NUM
ajfa-4326	437	10	.	.	PUNCT
ajfa-4326	438	1	http://dx.doi.org/10.1080/00036849600000004	http://dx.doi.org/10.1080/00036849600000004	PROPN
ajfa-4326	438	2	rezvanian	rezvanian	PROPN
ajfa-4326	438	3	,	,	PUNCT
ajfa-4326	438	4	r.	r.	PROPN
ajfa-4326	438	5	,	,	PUNCT
ajfa-4326	438	6	rao	rao	PROPN
ajfa-4326	438	7	,	,	PUNCT
ajfa-4326	438	8	v.	v.	ADP
ajfa-4326	438	9	n.	n.	PROPN
ajfa-4326	438	10	,	,	PUNCT
ajfa-4326	438	11	&	&	CCONJ
ajfa-4326	438	12	mehdian	mehdian	PROPN
ajfa-4326	438	13	,	,	PUNCT
ajfa-4326	438	14	s.	s.	PROPN
ajfa-4326	438	15	m.	m.	PROPN
ajfa-4326	438	16	(	(	PUNCT
ajfa-4326	438	17	2008	2008	NUM
ajfa-4326	438	18	)	)	PUNCT
ajfa-4326	438	19	.	.	PUNCT
ajfa-4326	439	1	efficiency	efficiency	NOUN
ajfa-4326	439	2	change	change	NOUN
ajfa-4326	439	3	,	,	PUNCT
ajfa-4326	439	4	technological	technological	ADJ
ajfa-4326	439	5	progress	progress	NOUN
ajfa-4326	439	6	and	and	CCONJ
ajfa-4326	439	7	productivity	productivity	NOUN
ajfa-4326	439	8	growth	growth	NOUN
ajfa-4326	439	9	of	of	ADP
ajfa-4326	439	10	private	private	ADJ
ajfa-4326	439	11	,	,	PUNCT
ajfa-4326	439	12	public	public	ADJ
ajfa-4326	439	13	and	and	CCONJ
ajfa-4326	439	14	foreign	foreign	ADJ
ajfa-4326	439	15	banks	bank	NOUN
ajfa-4326	439	16	inindia	inindia	NOUN
ajfa-4326	439	17	:	:	PUNCT
ajfa-4326	439	18	evidence	evidence	NOUN
ajfa-4326	439	19	from	from	ADP
ajfa-4326	439	20	the	the	DET
ajfa-4326	439	21	post	post	ADJ
ajfa-4326	439	22	-	-	ADJ
ajfa-4326	439	23	liberalization	liberalization	ADJ
ajfa-4326	439	24	era	era	NOUN
ajfa-4326	439	25	.	.	PUNCT
ajfa-4326	440	1	applied	apply	VERB
ajfa-4326	440	2	financial	financial	ADJ
ajfa-4326	440	3	economics	economic	NOUN
ajfa-4326	440	4	,	,	PUNCT
ajfa-4326	440	5	18	18	NUM
ajfa-4326	440	6	,	,	PUNCT
ajfa-4326	440	7	701	701	NUM
ajfa-4326	440	8	-	-	SYM
ajfa-4326	440	9	713	713	NUM
ajfa-4326	440	10	.	.	PUNCT
ajfa-4326	441	1	http://dx.doi.org/10.1080/09603100701222317	http://dx.doi.org/10.1080/09603100701222317	PROPN
ajfa-4326	441	2	sathye	sathye	NOUN
ajfa-4326	441	3	,	,	PUNCT
ajfa-4326	441	4	m.	m.	NOUN
ajfa-4326	441	5	(	(	PUNCT
ajfa-4326	441	6	2002	2002	NUM
ajfa-4326	441	7	)	)	PUNCT
ajfa-4326	441	8	.	.	PUNCT
ajfa-4326	442	1	measuring	measure	VERB
ajfa-4326	442	2	productivity	productivity	NOUN
ajfa-4326	442	3	changes	change	NOUN
ajfa-4326	442	4	in	in	ADP
ajfa-4326	442	5	australian	australian	ADJ
ajfa-4326	442	6	banking	banking	NOUN
ajfa-4326	442	7	:	:	PUNCT
ajfa-4326	442	8	an	an	DET
ajfa-4326	442	9	application	application	NOUN
ajfa-4326	442	10	of	of	ADP
ajfa-4326	442	11	malmquist	malmquist	NOUN
ajfa-4326	442	12	indices	index	NOUN
ajfa-4326	442	13	.	.	PUNCT
ajfa-4326	443	1	managerial	managerial	ADJ
ajfa-4326	443	2	finance	finance	NOUN
ajfa-4326	443	3	,	,	PUNCT
ajfa-4326	443	4	28(9	28(9	NOUN
ajfa-4326	443	5	)	)	PUNCT
ajfa-4326	443	6	,	,	PUNCT
ajfa-4326	443	7	48	48	NUM
ajfa-4326	443	8	-	-	SYM
ajfa-4326	443	9	59	59	NUM
ajfa-4326	443	10	.	.	PUNCT
ajfa-4326	444	1	http://dx.doi.org/10.1108/03074350210768068	http://dx.doi.org/10.1108/03074350210768068	PROPN
ajfa-4326	444	2	sinha	sinha	PROPN
ajfa-4326	444	3	,	,	PUNCT
ajfa-4326	444	4	r.	r.	PROPN
ajfa-4326	444	5	p.	p.	PROPN
ajfa-4326	444	6	,	,	PUNCT
ajfa-4326	444	7	&	&	CCONJ
ajfa-4326	444	8	chatterjee	chatterjee	PROPN
ajfa-4326	444	9	,	,	PUNCT
ajfa-4326	444	10	b.	b.	PROPN
ajfa-4326	444	11	(	(	PUNCT
ajfa-4326	444	12	2008	2008	NUM
ajfa-4326	444	13	)	)	PUNCT
ajfa-4326	444	14	.	.	PUNCT
ajfa-4326	445	1	fund	fund	NOUN
ajfa-4326	445	2	-	-	PUNCT
ajfa-4326	445	3	based	base	VERB
ajfa-4326	445	4	activity	activity	NOUN
ajfa-4326	445	5	of	of	ADP
ajfa-4326	445	6	commercial	commercial	ADJ
ajfa-4326	445	7	banks	bank	NOUN
ajfa-4326	445	8	:	:	PUNCT
ajfa-4326	445	9	a	a	DET
ajfa-4326	445	10	malmquist	malmquist	NOUN
ajfa-4326	445	11	approach	approach	NOUN
ajfa-4326	445	12	.	.	PUNCT
ajfa-4326	446	1	indian	indian	ADJ
ajfa-4326	446	2	economic	economic	PROPN
ajfa-4326	446	3	review	review	PROPN
ajfa-4326	446	4	,	,	PUNCT
ajfa-4326	446	5	xxxxiii(1	xxxxiii(1	PROPN
ajfa-4326	446	6	)	)	PUNCT
ajfa-4326	446	7	,	,	PUNCT
ajfa-4326	446	8	83	83	NUM
ajfa-4326	446	9	-	-	SYM
ajfa-4326	446	10	102	102	NUM
ajfa-4326	446	11	.	.	PUNCT
ajfa-4326	447	1	spathis	spathis	PROPN
ajfa-4326	447	2	,	,	PUNCT
ajfa-4326	447	3	c.	c.	PROPN
ajfa-4326	447	4	,	,	PUNCT
ajfa-4326	447	5	kosmidou	kosmidou	PROPN
ajfa-4326	447	6	,	,	PUNCT
ajfa-4326	447	7	k.	k.	PROPN
ajfa-4326	447	8	&	&	CCONJ
ajfa-4326	447	9	doumpos	doumpos	PROPN
ajfa-4326	447	10	,	,	PUNCT
ajfa-4326	447	11	m.	m.	NOUN
ajfa-4326	447	12	(	(	PUNCT
ajfa-4326	447	13	2002	2002	NUM
ajfa-4326	447	14	)	)	PUNCT
ajfa-4326	447	15	.	.	PUNCT
ajfa-4326	448	1	assessing	assess	VERB
ajfa-4326	448	2	profitability	profitability	NOUN
ajfa-4326	448	3	factors	factor	NOUN
ajfa-4326	448	4	in	in	ADP
ajfa-4326	448	5	the	the	DET
ajfa-4326	448	6	greek	greek	ADJ
ajfa-4326	448	7	banking	banking	NOUN
ajfa-4326	448	8	system	system	NOUN
ajfa-4326	448	9	:	:	PUNCT
ajfa-4326	448	10	a	a	DET
ajfa-4326	448	11	multicriteria	multicriteria	PROPN
ajfa-4326	448	12	methodology	methodology	NOUN
ajfa-4326	448	13	.	.	PUNCT
ajfa-4326	449	1	international	international	ADJ
ajfa-4326	449	2	transactions	transaction	NOUN
ajfa-4326	449	3	in	in	ADP
ajfa-4326	449	4	operational	operational	ADJ
ajfa-4326	449	5	research	research	NOUN
ajfa-4326	449	6	,	,	PUNCT
ajfa-4326	449	7	9(5	9(5	NUM
ajfa-4326	449	8	)	)	PUNCT
ajfa-4326	449	9	,	,	PUNCT
ajfa-4326	449	10	517–530	517–530	NUM
ajfa-4326	449	11	.	.	PUNCT
ajfa-4326	450	1	http://dx.doi.org/10.1111/1475-3995.00371	http://dx.doi.org/10.1111/1475-3995.00371	PROPN
ajfa-4326	450	2	sufian	sufian	PROPN
ajfa-4326	450	3	,	,	PUNCT
ajfa-4326	450	4	f.	f.	PROPN
ajfa-4326	450	5	(	(	PUNCT
ajfa-4326	450	6	2012	2012	NUM
ajfa-4326	450	7	)	)	PUNCT
ajfa-4326	450	8	.	.	PUNCT
ajfa-4326	451	1	determinants	determinant	NOUN
ajfa-4326	451	2	of	of	ADP
ajfa-4326	451	3	banks	bank	NOUN
ajfa-4326	451	4	’	’	PART
ajfa-4326	451	5	total	total	ADJ
ajfa-4326	451	6	factor	factor	NOUN
ajfa-4326	451	7	productivity	productivity	NOUN
ajfa-4326	451	8	:	:	PUNCT
ajfa-4326	451	9	the	the	DET
ajfa-4326	451	10	post	post	ADJ
ajfa-4326	451	11	-	-	ADJ
ajfa-4326	451	12	asian	asian	ADJ
ajfa-4326	451	13	financial	financial	ADJ
ajfa-4326	451	14	crisis	crisis	NOUN
ajfa-4326	451	15	experience	experience	NOUN
ajfa-4326	451	16	of	of	ADP
ajfa-4326	451	17	the	the	DET
ajfa-4326	451	18	philippines	philippine	NOUN
ajfa-4326	451	19	.	.	PUNCT
ajfa-4326	452	1	international	international	ADJ
ajfa-4326	452	2	journal	journal	PROPN
ajfa-4326	452	3	of	of	ADP
ajfa-4326	452	4	business	business	PROPN
ajfa-4326	452	5	excellence	excellence	PROPN
ajfa-4326	452	6	,	,	PUNCT
ajfa-4326	452	7	5(1/2	5(1/2	NUM
ajfa-4326	452	8	)	)	PUNCT
ajfa-4326	452	9	,	,	PUNCT
ajfa-4326	452	10	77	77	NUM
ajfa-4326	452	11	-	-	SYM
ajfa-4326	452	12	100	100	NUM
ajfa-4326	452	13	.	.	PUNCT
ajfa-4326	453	1	http://dx.doi.org/10.1504/ijbex.2012.044574	http://dx.doi.org/10.1504/ijbex.2012.044574	NOUN
ajfa-4326	453	2	suhariyanto	suhariyanto	PROPN
ajfa-4326	453	3	,	,	PUNCT
ajfa-4326	453	4	k.	k.	PROPN
ajfa-4326	453	5	,	,	PUNCT
ajfa-4326	453	6	&	&	CCONJ
ajfa-4326	453	7	thirtle	thirtle	NOUN
ajfa-4326	453	8	,	,	PUNCT
ajfa-4326	453	9	c.	c.	PROPN
ajfa-4326	453	10	(	(	PUNCT
ajfa-4326	453	11	2001	2001	NUM
ajfa-4326	453	12	)	)	PUNCT
ajfa-4326	453	13	.	.	PUNCT
ajfa-4326	454	1	asian	asian	ADJ
ajfa-4326	454	2	agricultural	agricultural	ADJ
ajfa-4326	454	3	productivity	productivity	NOUN
ajfa-4326	454	4	and	and	CCONJ
ajfa-4326	454	5	convergence	convergence	NOUN
ajfa-4326	454	6	.	.	PUNCT
ajfa-4326	455	1	journal	journal	NOUN
ajfa-4326	455	2	of	of	ADP
ajfa-4326	455	3	agricultural	agricultural	ADJ
ajfa-4326	455	4	economics	economic	NOUN
ajfa-4326	455	5	,	,	PUNCT
ajfa-4326	455	6	52(3	52(3	NOUN
ajfa-4326	455	7	)	)	PUNCT
ajfa-4326	455	8	,	,	PUNCT
ajfa-4326	455	9	96	96	NUM
ajfa-4326	455	10	-	-	SYM
ajfa-4326	455	11	110	110	NUM
ajfa-4326	455	12	.	.	PUNCT
ajfa-4326	456	1	http://dx.doi.org/10.1111/j.1477-9552.2001.tb00941.x	http://dx.doi.org/10.1111/j.1477-9552.2001.tb00941.x	PROPN
ajfa-4326	456	2	tauer	tauer	NOUN
ajfa-4326	456	3	,	,	PUNCT
ajfa-4326	456	4	l.	l.	PROPN
ajfa-4326	456	5	(	(	PUNCT
ajfa-4326	456	6	1998	1998	NUM
ajfa-4326	456	7	)	)	PUNCT
ajfa-4326	456	8	.	.	PUNCT
ajfa-4326	457	1	productivity	productivity	NOUN
ajfa-4326	457	2	of	of	ADP
ajfa-4326	457	3	new	new	PROPN
ajfa-4326	457	4	york	york	PROPN
ajfa-4326	457	5	dairy	dairy	NOUN
ajfa-4326	457	6	farms	farm	NOUN
ajfa-4326	457	7	measured	measure	VERB
ajfa-4326	457	8	by	by	ADP
ajfa-4326	457	9	non	non	ADJ
ajfa-4326	457	10	-	-	ADJ
ajfa-4326	457	11	parametric	parametric	ADJ
ajfa-4326	457	12	indices	index	NOUN
ajfa-4326	457	13	.	.	PUNCT
ajfa-4326	458	1	journal	journal	NOUN
ajfa-4326	458	2	of	of	ADP
ajfa-4326	458	3	agricultural	agricultural	ADJ
ajfa-4326	458	4	economics	economic	NOUN
ajfa-4326	458	5	,	,	PUNCT
ajfa-4326	458	6	49(2	49(2	NUM
ajfa-4326	458	7	)	)	PUNCT
ajfa-4326	458	8	,	,	PUNCT
ajfa-4326	458	9	234	234	NUM
ajfa-4326	458	10	-	-	SYM
ajfa-4326	458	11	249	249	NUM
ajfa-4326	458	12	.	.	PUNCT
ajfa-4326	459	1	http://dx.doi.org/10.1111/j.1477-9552.1998.tb01266.x	http://dx.doi.org/10.1111/j.1477-9552.1998.tb01266.x	NUM
ajfa-4326	459	2	thagunna	thagunna	PROPN
ajfa-4326	459	3	,	,	PUNCT
ajfa-4326	459	4	k.	k.	PROPN
ajfa-4326	459	5	s.	s.	PROPN
ajfa-4326	459	6	,	,	PUNCT
ajfa-4326	459	7	&	&	CCONJ
ajfa-4326	459	8	poudel	poudel	PROPN
ajfa-4326	459	9	,	,	PUNCT
ajfa-4326	459	10	s.	s.	PROPN
ajfa-4326	459	11	(	(	PUNCT
ajfa-4326	459	12	2013	2013	NUM
ajfa-4326	459	13	)	)	PUNCT
ajfa-4326	459	14	.	.	PUNCT
ajfa-4326	460	1	measuring	measure	VERB
ajfa-4326	460	2	bank	bank	NOUN
ajfa-4326	460	3	performance	performance	NOUN
ajfa-4326	460	4	of	of	ADP
ajfa-4326	460	5	nepali	nepali	ADJ
ajfa-4326	460	6	banks	bank	NOUN
ajfa-4326	460	7	:	:	PUNCT
ajfa-4326	460	8	a	a	DET
ajfa-4326	460	9	data	datum	NOUN
ajfa-4326	460	10	envelopment	envelopment	ADJ
ajfa-4326	460	11	analysis	analysis	NOUN
ajfa-4326	460	12	(	(	PUNCT
ajfa-4326	460	13	dea	dea	NOUN
ajfa-4326	460	14	)	)	PUNCT
ajfa-4326	460	15	perspective	perspective	NOUN
ajfa-4326	460	16	.	.	PUNCT
ajfa-4326	461	1	international	international	ADJ
ajfa-4326	461	2	journal	journal	PROPN
ajfa-4326	461	3	of	of	ADP
ajfa-4326	461	4	economics	economic	NOUN
ajfa-4326	461	5	and	and	CCONJ
ajfa-4326	461	6	financial	financial	ADJ
ajfa-4326	461	7	issues	issue	NOUN
ajfa-4326	461	8	,	,	PUNCT
ajfa-4326	461	9	3(1	3(1	NUM
ajfa-4326	461	10	)	)	PUNCT
ajfa-4326	461	11	,	,	PUNCT
ajfa-4326	461	12	54	54	NUM
ajfa-4326	461	13	-	-	SYM
ajfa-4326	461	14	65	65	NUM
ajfa-4326	461	15	.	.	PUNCT
ajfa-4326	462	1	uri	uri	PROPN
ajfa-4326	462	2	,	,	PUNCT
ajfa-4326	462	3	n.	n.	PROPN
ajfa-4326	462	4	d.	d.	PROPN
ajfa-4326	462	5	(	(	PUNCT
ajfa-4326	462	6	2002	2002	NUM
ajfa-4326	462	7	)	)	PUNCT
ajfa-4326	462	8	.	.	PUNCT
ajfa-4326	463	1	the	the	DET
ajfa-4326	463	2	measurement	measurement	NOUN
ajfa-4326	463	3	of	of	ADP
ajfa-4326	463	4	the	the	DET
ajfa-4326	463	5	change	change	NOUN
ajfa-4326	463	6	in	in	ADP
ajfa-4326	463	7	productivity	productivity	NOUN
ajfa-4326	463	8	in	in	ADP
ajfa-4326	463	9	telecommunications	telecommunication	NOUN
ajfa-4326	463	10	.	.	PUNCT
ajfa-4326	464	1	telecommunication	telecommunication	NOUN
ajfa-4326	464	2	systems	system	NOUN
ajfa-4326	464	3	,	,	PUNCT
ajfa-4326	464	4	3	3	NUM
ajfa-4326	464	5	,	,	PUNCT
ajfa-4326	464	6	177	177	NUM
ajfa-4326	464	7	-	-	SYM
ajfa-4326	464	8	194	194	NUM
ajfa-4326	464	9	.	.	PUNCT
ajfa-4326	465	1	http://dx.doi.org/10.1023/a:1016583810796	http://dx.doi.org/10.1023/a:1016583810796	PROPN
ajfa-4326	465	2	yörük	yörük	PROPN
ajfa-4326	465	3	,	,	PUNCT
ajfa-4326	465	4	b.	b.	PROPN
ajfa-4326	465	5	,	,	PUNCT
ajfa-4326	465	6	&	&	CCONJ
ajfa-4326	465	7	zaim	zaim	PROPN
ajfa-4326	465	8	,	,	PUNCT
ajfa-4326	465	9	o.	o.	PROPN
ajfa-4326	465	10	(	(	PUNCT
ajfa-4326	465	11	2005	2005	NUM
ajfa-4326	465	12	)	)	PUNCT
ajfa-4326	465	13	.	.	PUNCT
ajfa-4326	466	1	productivity	productivity	NOUN
ajfa-4326	466	2	growth	growth	NOUN
ajfa-4326	466	3	in	in	ADP
ajfa-4326	466	4	oecd	oecd	PROPN
ajfa-4326	466	5	countries	country	NOUN
ajfa-4326	466	6	:	:	PUNCT
ajfa-4326	466	7	a	a	DET
ajfa-4326	466	8	comparison	comparison	NOUN
ajfa-4326	466	9	with	with	ADP
ajfa-4326	466	10	malmquist	malmquist	NOUN
ajfa-4326	466	11	indices	index	NOUN
ajfa-4326	466	12	.	.	PUNCT
ajfa-4326	467	1	journal	journal	NOUN
ajfa-4326	467	2	of	of	ADP
ajfa-4326	467	3	comparative	comparative	ADJ
ajfa-4326	467	4	economics	economic	NOUN
ajfa-4326	467	5	,	,	PUNCT
ajfa-4326	467	6	33	33	NUM
ajfa-4326	467	7	,	,	PUNCT
ajfa-4326	467	8	401	401	NUM
ajfa-4326	467	9	-	-	SYM
ajfa-4326	467	10	420	420	NUM
ajfa-4326	467	11	.	.	PUNCT
ajfa-4326	468	1	http://dx.doi.org/10.1016/j.jce.2005.03.011	http://dx.doi.org/10.1016/j.jce.2005.03.011	PROPN