id	sid	tid	token	lemma	pos
ajfa-7687	1	1	microsoft	microsoft	PROPN
ajfa-7687	1	2	word	word	NOUN
ajfa-7687	1	3	7260	7260	NUM
ajfa-7687	1	4	-	-	SYM
ajfa-7687	1	5	25876	25876	NUM
ajfa-7687	1	6	-	-	PUNCT
ajfa-7687	1	7	3	3	NUM
ajfa-7687	1	8	-	-	PUNCT
ajfa-7687	1	9	sm	sm	NOUN
ajfa-7687	1	10	-	-	PUNCT
ajfa-7687	1	11	writer2	writer2	VERB
ajfa-7687	1	12	-	-	ADJ
ajfa-7687	1	13	new	new	ADJ
ajfa-7687	1	14	asian	asian	ADJ
ajfa-7687	1	15	journal	journal	NOUN
ajfa-7687	1	16	of	of	ADP
ajfa-7687	1	17	finance	finance	PROPN
ajfa-7687	1	18	&	&	CCONJ
ajfa-7687	1	19	accounting	accounting	PROPN
ajfa-7687	1	20	issn	issn	PROPN
ajfa-7687	1	21	1946	1946	NUM
ajfa-7687	1	22	-	-	PUNCT
ajfa-7687	1	23	052x	052x	NOUN
ajfa-7687	1	24	2015	2015	NUM
ajfa-7687	1	25	,	,	PUNCT
ajfa-7687	1	26	vol	vol	NOUN
ajfa-7687	1	27	.	.	PROPN
ajfa-7687	1	28	7	7	NUM
ajfa-7687	1	29	,	,	PUNCT
ajfa-7687	1	30	no	no	INTJ
ajfa-7687	1	31	.	.	NOUN
ajfa-7687	1	32	1	1	NUM
ajfa-7687	1	33	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	1	34	183	183	NUM
ajfa-7687	1	35	non	non	ADJ
ajfa-7687	1	36	-	-	ADJ
ajfa-7687	1	37	performing	performing	ADJ
ajfa-7687	1	38	loans	loan	NOUN
ajfa-7687	1	39	in	in	ADP
ajfa-7687	1	40	emerging	emerge	VERB
ajfa-7687	1	41	economies	economy	NOUN
ajfa-7687	1	42	case	case	NOUN
ajfa-7687	1	43	study	study	NOUN
ajfa-7687	1	44	of	of	ADP
ajfa-7687	1	45	india	india	PROPN
ajfa-7687	1	46	dr	dr	PROPN
ajfa-7687	1	47	.	.	PROPN
ajfa-7687	2	1	k	k	PROPN
ajfa-7687	2	2	sriharsha	sriharsha	PROPN
ajfa-7687	2	3	reddy	reddy	PROPN
ajfa-7687	2	4	assistant	assistant	PROPN
ajfa-7687	2	5	professor	professor	NOUN
ajfa-7687	2	6	finance	finance	NOUN
ajfa-7687	2	7	and	and	CCONJ
ajfa-7687	2	8	accounting	accounting	PROPN
ajfa-7687	2	9	institute	institute	PROPN
ajfa-7687	2	10	of	of	ADP
ajfa-7687	2	11	management	management	NOUN
ajfa-7687	2	12	technology	technology	NOUN
ajfa-7687	2	13	(	(	PUNCT
ajfa-7687	2	14	imt	imt	NOUN
ajfa-7687	2	15	-	-	PUNCT
ajfa-7687	2	16	hyderabad	hyderabad	NOUN
ajfa-7687	2	17	)	)	PUNCT
ajfa-7687	2	18	tel	tel	ADP
ajfa-7687	2	19	:	:	PUNCT
ajfa-7687	2	20	91	91	NUM
ajfa-7687	2	21	-	-	PUNCT
ajfa-7687	2	22	40	40	NUM
ajfa-7687	2	23	-	-	PUNCT
ajfa-7687	2	24	3046	3046	NUM
ajfa-7687	2	25	-	-	SYM
ajfa-7687	2	26	1673	1673	NUM
ajfa-7687	2	27	e	e	NOUN
ajfa-7687	2	28	-	-	NOUN
ajfa-7687	2	29	mail	mail	NOUN
ajfa-7687	2	30	:	:	PUNCT
ajfa-7687	3	1	dr.sriharshareddy9@gmail.com	dr.sriharshareddy9@gmail.com	PROPN
ajfa-7687	3	2	received	receive	VERB
ajfa-7687	3	3	:	:	PUNCT
ajfa-7687	3	4	may	may	AUX
ajfa-7687	3	5	26	26	NUM
ajfa-7687	3	6	,	,	PUNCT
ajfa-7687	3	7	2015	2015	NUM
ajfa-7687	3	8	accepted	accept	VERB
ajfa-7687	3	9	:	:	PUNCT
ajfa-7687	3	10	june	june	PROPN
ajfa-7687	3	11	14	14	NUM
ajfa-7687	3	12	,	,	PUNCT
ajfa-7687	3	13	2015	2015	NUM
ajfa-7687	3	14	published	publish	VERB
ajfa-7687	3	15	:	:	PUNCT
ajfa-7687	3	16	june	june	PROPN
ajfa-7687	3	17	14	14	NUM
ajfa-7687	3	18	,	,	PUNCT
ajfa-7687	3	19	2015	2015	NUM
ajfa-7687	3	20	doi:10.5296	doi:10.5296	NOUN
ajfa-7687	3	21	/	/	SYM
ajfa-7687	3	22	ajfa.v7i1.7687	ajfa.v7i1.7687	SYM
ajfa-7687	3	23	url	url	NOUN
ajfa-7687	3	24	:	:	PUNCT
ajfa-7687	3	25	http://dx.doi.org/10.5296/ajfa.v7i1.7687	http://dx.doi.org/10.5296/ajfa.v7i1.7687	NOUN
ajfa-7687	3	26	survey	survey	NOUN
ajfa-7687	3	27	no	no	INTJ
ajfa-7687	3	28	.	.	PROPN
ajfa-7687	3	29	38	38	NUM
ajfa-7687	3	30	,	,	PUNCT
ajfa-7687	3	31	cherlaguda	cherlaguda	NOUN
ajfa-7687	3	32	village	village	NOUN
ajfa-7687	3	33	,	,	PUNCT
ajfa-7687	3	34	shamshabad	shamshabad	ADJ
ajfa-7687	3	35	,	,	PUNCT
ajfa-7687	3	36	hyderabad	hyderabad	NOUN
ajfa-7687	3	37	5000218	5000218	NUM
ajfa-7687	3	38	,	,	PUNCT
ajfa-7687	3	39	india	india	PROPN
ajfa-7687	3	40	abstract	abstract	PROPN
ajfa-7687	3	41	recovery	recovery	NOUN
ajfa-7687	3	42	of	of	ADP
ajfa-7687	3	43	non	non	ADJ
ajfa-7687	3	44	-	-	ADJ
ajfa-7687	3	45	performing	perform	VERB
ajfa-7687	3	46	assets	asset	NOUN
ajfa-7687	3	47	is	be	AUX
ajfa-7687	3	48	considered	consider	VERB
ajfa-7687	3	49	as	as	ADP
ajfa-7687	3	50	one	one	NUM
ajfa-7687	3	51	of	of	ADP
ajfa-7687	3	52	the	the	DET
ajfa-7687	3	53	biggest	big	ADJ
ajfa-7687	3	54	problems	problem	NOUN
ajfa-7687	3	55	for	for	ADP
ajfa-7687	3	56	the	the	DET
ajfa-7687	3	57	entire	entire	ADJ
ajfa-7687	3	58	banking	banking	NOUN
ajfa-7687	3	59	industry	industry	NOUN
ajfa-7687	3	60	as	as	SCONJ
ajfa-7687	3	61	the	the	DET
ajfa-7687	3	62	earning	earning	NOUN
ajfa-7687	3	63	capacity	capacity	NOUN
ajfa-7687	3	64	and	and	CCONJ
ajfa-7687	3	65	profitability	profitability	NOUN
ajfa-7687	3	66	of	of	ADP
ajfa-7687	3	67	many	many	ADJ
ajfa-7687	3	68	banks	bank	NOUN
ajfa-7687	3	69	are	be	AUX
ajfa-7687	3	70	adversely	adversely	ADV
ajfa-7687	3	71	affected	affect	VERB
ajfa-7687	3	72	by	by	ADP
ajfa-7687	3	73	the	the	DET
ajfa-7687	3	74	high	high	ADJ
ajfa-7687	3	75	level	level	NOUN
ajfa-7687	3	76	of	of	ADP
ajfa-7687	3	77	npas	npas	NOUN
ajfa-7687	3	78	.	.	PUNCT
ajfa-7687	4	1	in	in	ADP
ajfa-7687	4	2	this	this	DET
ajfa-7687	4	3	paper	paper	NOUN
ajfa-7687	4	4	an	an	DET
ajfa-7687	4	5	attempt	attempt	NOUN
ajfa-7687	4	6	is	be	AUX
ajfa-7687	4	7	made	make	VERB
ajfa-7687	4	8	to	to	PART
ajfa-7687	4	9	outline	outline	VERB
ajfa-7687	4	10	the	the	DET
ajfa-7687	4	11	problem	problem	NOUN
ajfa-7687	4	12	of	of	ADP
ajfa-7687	4	13	npas	npas	NOUN
ajfa-7687	4	14	in	in	ADP
ajfa-7687	4	15	indian	indian	ADJ
ajfa-7687	4	16	banking	banking	NOUN
ajfa-7687	4	17	system	system	NOUN
ajfa-7687	4	18	.	.	PUNCT
ajfa-7687	5	1	the	the	DET
ajfa-7687	5	2	objectives	objective	NOUN
ajfa-7687	5	3	of	of	ADP
ajfa-7687	5	4	the	the	DET
ajfa-7687	5	5	paper	paper	NOUN
ajfa-7687	5	6	are	be	AUX
ajfa-7687	5	7	to	to	PART
ajfa-7687	5	8	observe	observe	VERB
ajfa-7687	5	9	the	the	DET
ajfa-7687	5	10	trends	trend	NOUN
ajfa-7687	5	11	in	in	ADP
ajfa-7687	5	12	the	the	DET
ajfa-7687	5	13	incidence	incidence	NOUN
ajfa-7687	5	14	of	of	ADP
ajfa-7687	5	15	npas	npas	NOUN
ajfa-7687	5	16	in	in	ADP
ajfa-7687	5	17	indian	indian	ADJ
ajfa-7687	5	18	banking	banking	NOUN
ajfa-7687	5	19	system	system	NOUN
ajfa-7687	5	20	,	,	PUNCT
ajfa-7687	5	21	to	to	PART
ajfa-7687	5	22	understand	understand	VERB
ajfa-7687	5	23	the	the	DET
ajfa-7687	5	24	problem	problem	NOUN
ajfa-7687	5	25	of	of	ADP
ajfa-7687	5	26	npas	npas	NOUN
ajfa-7687	5	27	in	in	ADP
ajfa-7687	5	28	india	india	PROPN
ajfa-7687	5	29	in	in	ADP
ajfa-7687	5	30	comparison	comparison	NOUN
ajfa-7687	5	31	with	with	ADP
ajfa-7687	5	32	select	select	ADJ
ajfa-7687	5	33	economies	economy	NOUN
ajfa-7687	5	34	in	in	ADP
ajfa-7687	5	35	the	the	DET
ajfa-7687	5	36	world	world	NOUN
ajfa-7687	5	37	and	and	CCONJ
ajfa-7687	5	38	to	to	PART
ajfa-7687	5	39	outline	outline	VERB
ajfa-7687	5	40	the	the	DET
ajfa-7687	5	41	policy	policy	NOUN
ajfa-7687	5	42	measures	measure	NOUN
ajfa-7687	5	43	to	to	PART
ajfa-7687	5	44	curtail	curtail	VERB
ajfa-7687	5	45	incidence	incidence	NOUN
ajfa-7687	5	46	of	of	ADP
ajfa-7687	5	47	npas	npas	NOUN
ajfa-7687	5	48	in	in	ADP
ajfa-7687	5	49	india	india	PROPN
ajfa-7687	5	50	.	.	PUNCT
ajfa-7687	6	1	it	it	PRON
ajfa-7687	6	2	is	be	AUX
ajfa-7687	6	3	observed	observe	VERB
ajfa-7687	6	4	that	that	SCONJ
ajfa-7687	6	5	the	the	DET
ajfa-7687	6	6	public	public	ADJ
ajfa-7687	6	7	sector	sector	NOUN
ajfa-7687	6	8	and	and	CCONJ
ajfa-7687	6	9	to	to	ADP
ajfa-7687	6	10	some	some	DET
ajfa-7687	6	11	extent	extent	NOUN
ajfa-7687	6	12	the	the	DET
ajfa-7687	6	13	private	private	ADJ
ajfa-7687	6	14	banks	bank	NOUN
ajfa-7687	6	15	accounts	account	VERB
ajfa-7687	6	16	for	for	ADP
ajfa-7687	6	17	the	the	DET
ajfa-7687	6	18	bulk	bulk	NOUN
ajfa-7687	6	19	of	of	ADP
ajfa-7687	6	20	the	the	DET
ajfa-7687	6	21	npa	npa	NOUN
ajfa-7687	6	22	problem	problem	NOUN
ajfa-7687	6	23	during	during	ADP
ajfa-7687	6	24	recent	recent	ADJ
ajfa-7687	6	25	years	year	NOUN
ajfa-7687	6	26	due	due	ADP
ajfa-7687	6	27	to	to	ADP
ajfa-7687	6	28	global	global	ADJ
ajfa-7687	6	29	financial	financial	ADJ
ajfa-7687	6	30	turmoil	turmoil	NOUN
ajfa-7687	6	31	.	.	PUNCT
ajfa-7687	7	1	thus	thus	ADV
ajfa-7687	7	2	,	,	PUNCT
ajfa-7687	7	3	while	while	SCONJ
ajfa-7687	7	4	the	the	DET
ajfa-7687	7	5	policies	policy	NOUN
ajfa-7687	7	6	that	that	PRON
ajfa-7687	7	7	have	have	AUX
ajfa-7687	7	8	been	be	AUX
ajfa-7687	7	9	implemented	implement	VERB
ajfa-7687	7	10	to	to	PART
ajfa-7687	7	11	address	address	VERB
ajfa-7687	7	12	the	the	DET
ajfa-7687	7	13	npa	npa	NOUN
ajfa-7687	7	14	problem	problem	NOUN
ajfa-7687	7	15	may	may	AUX
ajfa-7687	7	16	have	have	AUX
ajfa-7687	7	17	been	be	AUX
ajfa-7687	7	18	largely	largely	ADV
ajfa-7687	7	19	successful	successful	ADJ
ajfa-7687	7	20	,	,	PUNCT
ajfa-7687	7	21	there	there	PRON
ajfa-7687	7	22	are	be	VERB
ajfa-7687	7	23	further	further	ADJ
ajfa-7687	7	24	steps	step	NOUN
ajfa-7687	7	25	that	that	PRON
ajfa-7687	7	26	can	can	AUX
ajfa-7687	7	27	be	be	AUX
ajfa-7687	7	28	taken	take	VERB
ajfa-7687	7	29	by	by	ADP
ajfa-7687	7	30	the	the	DET
ajfa-7687	7	31	rbi	rbi	NOUN
ajfa-7687	7	32	as	as	ADV
ajfa-7687	7	33	well	well	ADV
ajfa-7687	7	34	as	as	ADP
ajfa-7687	7	35	by	by	ADP
ajfa-7687	7	36	the	the	DET
ajfa-7687	7	37	banks	bank	NOUN
ajfa-7687	7	38	themselves	themselves	PRON
ajfa-7687	7	39	to	to	PART
ajfa-7687	7	40	tackle	tackle	VERB
ajfa-7687	7	41	the	the	DET
ajfa-7687	7	42	problem	problem	NOUN
ajfa-7687	7	43	of	of	ADP
ajfa-7687	7	44	npas	npa	NOUN
ajfa-7687	7	45	.	.	PUNCT
ajfa-7687	8	1	keywords	keyword	NOUN
ajfa-7687	8	2	:	:	PUNCT
ajfa-7687	8	3	npas	npas	PROPN
ajfa-7687	8	4	,	,	PUNCT
ajfa-7687	8	5	indian	indian	ADJ
ajfa-7687	8	6	banks	bank	NOUN
ajfa-7687	8	7	,	,	PUNCT
ajfa-7687	8	8	regulatory	regulatory	ADJ
ajfa-7687	8	9	response	response	NOUN
ajfa-7687	8	10	,	,	PUNCT
ajfa-7687	8	11	global	global	ADJ
ajfa-7687	8	12	financial	financial	ADJ
ajfa-7687	8	13	crisis	crisis	NOUN
ajfa-7687	8	14	asian	asian	ADJ
ajfa-7687	8	15	journal	journal	NOUN
ajfa-7687	8	16	of	of	ADP
ajfa-7687	8	17	finance	finance	PROPN
ajfa-7687	8	18	&	&	CCONJ
ajfa-7687	8	19	accounting	accounting	PROPN
ajfa-7687	8	20	issn	issn	PROPN
ajfa-7687	8	21	1946	1946	NUM
ajfa-7687	8	22	-	-	PUNCT
ajfa-7687	8	23	052x	052x	NOUN
ajfa-7687	8	24	2015	2015	NUM
ajfa-7687	8	25	,	,	PUNCT
ajfa-7687	8	26	vol	vol	NOUN
ajfa-7687	8	27	.	.	PROPN
ajfa-7687	8	28	7	7	NUM
ajfa-7687	8	29	,	,	PUNCT
ajfa-7687	8	30	no	no	INTJ
ajfa-7687	8	31	.	.	NOUN
ajfa-7687	8	32	1	1	NUM
ajfa-7687	8	33	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-7687	8	34	184	184	NUM
ajfa-7687	8	35	1	1	NUM
ajfa-7687	8	36	.	.	PUNCT
ajfa-7687	9	1	introduction	introduction	NOUN
ajfa-7687	9	2	a	a	DET
ajfa-7687	9	3	major	major	ADJ
ajfa-7687	9	4	problem	problem	NOUN
ajfa-7687	9	5	being	be	AUX
ajfa-7687	9	6	observed	observe	VERB
ajfa-7687	9	7	all	all	ADV
ajfa-7687	9	8	over	over	ADP
ajfa-7687	9	9	the	the	DET
ajfa-7687	9	10	world	world	NOUN
ajfa-7687	9	11	in	in	ADP
ajfa-7687	9	12	the	the	DET
ajfa-7687	9	13	banking	banking	NOUN
ajfa-7687	9	14	sector	sector	NOUN
ajfa-7687	9	15	is	be	AUX
ajfa-7687	9	16	problem	problem	NOUN
ajfa-7687	9	17	of	of	ADP
ajfa-7687	9	18	bad	bad	ADJ
ajfa-7687	9	19	loans	loan	NOUN
ajfa-7687	9	20	.	.	PUNCT
ajfa-7687	10	1	first	first	ADJ
ajfa-7687	10	2	step	step	NOUN
ajfa-7687	10	3	of	of	ADP
ajfa-7687	10	4	building	build	VERB
ajfa-7687	10	5	a	a	DET
ajfa-7687	10	6	stable	stable	ADJ
ajfa-7687	10	7	and	and	CCONJ
ajfa-7687	10	8	strong	strong	ADJ
ajfa-7687	10	9	financial	financial	ADJ
ajfa-7687	10	10	system	system	NOUN
ajfa-7687	10	11	is	be	AUX
ajfa-7687	10	12	to	to	PART
ajfa-7687	10	13	minimize	minimize	VERB
ajfa-7687	10	14	non	non	ADJ
ajfa-7687	10	15	-	-	ADJ
ajfa-7687	10	16	performing	perform	VERB
ajfa-7687	10	17	loans	loan	NOUN
ajfa-7687	10	18	.	.	PUNCT
ajfa-7687	11	1	according	accord	VERB
ajfa-7687	11	2	to	to	ADP
ajfa-7687	11	3	world	world	PROPN
ajfa-7687	11	4	bank	bank	PROPN
ajfa-7687	11	5	(	(	PUNCT
ajfa-7687	11	6	2014	2014	NUM
ajfa-7687	11	7	)	)	PUNCT
ajfa-7687	11	8	,	,	PUNCT
ajfa-7687	11	9	non	non	ADJ
ajfa-7687	11	10	-	-	ADJ
ajfa-7687	11	11	performing	performing	ADJ
ajfa-7687	11	12	loans	loan	NOUN
ajfa-7687	11	13	as	as	ADP
ajfa-7687	11	14	proportion	proportion	NOUN
ajfa-7687	11	15	of	of	ADP
ajfa-7687	11	16	total	total	ADJ
ajfa-7687	11	17	loans	loan	NOUN
ajfa-7687	11	18	is	be	AUX
ajfa-7687	11	19	24	24	NUM
ajfa-7687	11	20	..	..	SYM
ajfa-7687	11	21	6	6	NUM
ajfa-7687	11	22	%	%	NOUN
ajfa-7687	11	23	for	for	ADP
ajfa-7687	11	24	ireland	ireland	NOUN
ajfa-7687	11	25	,	,	PUNCT
ajfa-7687	11	26	31.3	31.3	NUM
ajfa-7687	11	27	%	%	NOUN
ajfa-7687	11	28	for	for	ADP
ajfa-7687	11	29	greece	greece	PROPN
ajfa-7687	11	30	,	,	PUNCT
ajfa-7687	11	31	9.5	9.5	NUM
ajfa-7687	11	32	%	%	NOUN
ajfa-7687	11	33	for	for	ADP
ajfa-7687	11	34	egypt	egypt	PROPN
ajfa-7687	11	35	,	,	PUNCT
ajfa-7687	11	36	6	6	NUM
ajfa-7687	11	37	%	%	NOUN
ajfa-7687	11	38	for	for	ADP
ajfa-7687	11	39	russia	russia	PROPN
ajfa-7687	11	40	,	,	PUNCT
ajfa-7687	11	41	3.6	3.6	NUM
ajfa-7687	11	42	%	%	NOUN
ajfa-7687	11	43	for	for	ADP
ajfa-7687	11	44	south	south	PROPN
ajfa-7687	11	45	africa	africa	PROPN
ajfa-7687	11	46	,	,	PUNCT
ajfa-7687	11	47	3.2	3.2	NUM
ajfa-7687	11	48	%	%	NOUN
ajfa-7687	11	49	for	for	ADP
ajfa-7687	11	50	usa	usa	PROPN
ajfa-7687	11	51	,	,	PUNCT
ajfa-7687	11	52	2.9	2.9	NUM
ajfa-7687	11	53	%	%	NOUN
ajfa-7687	11	54	for	for	ADP
ajfa-7687	11	55	brazil	brazil	PROPN
ajfa-7687	11	56	and	and	CCONJ
ajfa-7687	11	57	1	1	NUM
ajfa-7687	11	58	%	%	NOUN
ajfa-7687	11	59	for	for	ADP
ajfa-7687	11	60	china	china	PROPN
ajfa-7687	11	61	.	.	PUNCT
ajfa-7687	12	1	non	non	ADJ
ajfa-7687	12	2	-	-	ADJ
ajfa-7687	12	3	performing	perform	VERB
ajfa-7687	12	4	loans	loan	NOUN
ajfa-7687	12	5	have	have	AUX
ajfa-7687	12	6	been	be	AUX
ajfa-7687	12	7	huge	huge	ADJ
ajfa-7687	12	8	concern	concern	NOUN
ajfa-7687	12	9	for	for	ADP
ajfa-7687	12	10	al	al	PROPN
ajfa-7687	12	11	the	the	DET
ajfa-7687	12	12	nations	nation	NOUN
ajfa-7687	12	13	across	across	ADP
ajfa-7687	12	14	the	the	DET
ajfa-7687	12	15	globe	globe	NOUN
ajfa-7687	12	16	.	.	PUNCT
ajfa-7687	13	1	since	since	SCONJ
ajfa-7687	13	2	the	the	DET
ajfa-7687	13	3	introduction	introduction	NOUN
ajfa-7687	13	4	of	of	ADP
ajfa-7687	13	5	financial	financial	ADJ
ajfa-7687	13	6	sector	sector	NOUN
ajfa-7687	13	7	reforms	reform	NOUN
ajfa-7687	13	8	in	in	ADP
ajfa-7687	13	9	1992	1992	NUM
ajfa-7687	13	10	and	and	CCONJ
ajfa-7687	13	11	second	second	ADJ
ajfa-7687	13	12	phase	phase	NOUN
ajfa-7687	13	13	of	of	ADP
ajfa-7687	13	14	reforms	reform	NOUN
ajfa-7687	13	15	in	in	ADP
ajfa-7687	13	16	1998	1998	NUM
ajfa-7687	13	17	,	,	PUNCT
ajfa-7687	13	18	the	the	DET
ajfa-7687	13	19	recovery	recovery	NOUN
ajfa-7687	13	20	of	of	ADP
ajfa-7687	13	21	non	non	ADJ
ajfa-7687	13	22	-	-	ADJ
ajfa-7687	13	23	performing	perform	VERB
ajfa-7687	13	24	assets	asset	NOUN
ajfa-7687	13	25	is	be	AUX
ajfa-7687	13	26	considered	consider	VERB
ajfa-7687	13	27	as	as	ADP
ajfa-7687	13	28	one	one	NUM
ajfa-7687	13	29	of	of	ADP
ajfa-7687	13	30	the	the	DET
ajfa-7687	13	31	biggest	big	ADJ
ajfa-7687	13	32	problems	problem	NOUN
ajfa-7687	13	33	for	for	ADP
ajfa-7687	13	34	the	the	DET
ajfa-7687	13	35	entire	entire	ADJ
ajfa-7687	13	36	banking	banking	NOUN
ajfa-7687	13	37	industry	industry	NOUN
ajfa-7687	13	38	in	in	ADP
ajfa-7687	13	39	india	india	PROPN
ajfa-7687	13	40	.	.	PUNCT
ajfa-7687	14	1	the	the	DET
ajfa-7687	14	2	high	high	ADJ
ajfa-7687	14	3	level	level	NOUN
ajfa-7687	14	4	of	of	ADP
ajfa-7687	14	5	non	non	ADJ
ajfa-7687	14	6	-	-	ADJ
ajfa-7687	14	7	performing	perform	VERB
ajfa-7687	14	8	assets	asset	NOUN
ajfa-7687	14	9	(	(	PUNCT
ajfa-7687	14	10	npas	npas	PROPN
ajfa-7687	14	11	)	)	PUNCT
ajfa-7687	14	12	taints	taint	VERB
ajfa-7687	14	13	the	the	DET
ajfa-7687	14	14	overall	overall	ADJ
ajfa-7687	14	15	portfolio	portfolio	NOUN
ajfa-7687	14	16	but	but	CCONJ
ajfa-7687	14	17	puts	put	VERB
ajfa-7687	14	18	a	a	DET
ajfa-7687	14	19	burden	burden	NOUN
ajfa-7687	14	20	on	on	ADP
ajfa-7687	14	21	the	the	DET
ajfa-7687	14	22	income	income	NOUN
ajfa-7687	14	23	statement	statement	NOUN
ajfa-7687	14	24	of	of	ADP
ajfa-7687	14	25	banks	bank	NOUN
ajfa-7687	14	26	in	in	ADP
ajfa-7687	14	27	the	the	DET
ajfa-7687	14	28	form	form	NOUN
ajfa-7687	14	29	of	of	ADP
ajfa-7687	14	30	higher	high	ADJ
ajfa-7687	14	31	provisions	provision	NOUN
ajfa-7687	14	32	.	.	PUNCT
ajfa-7687	15	1	the	the	DET
ajfa-7687	15	2	earning	earning	NOUN
ajfa-7687	15	3	capacity	capacity	NOUN
ajfa-7687	15	4	and	and	CCONJ
ajfa-7687	15	5	profitability	profitability	NOUN
ajfa-7687	15	6	of	of	ADP
ajfa-7687	15	7	many	many	ADJ
ajfa-7687	15	8	banks	bank	NOUN
ajfa-7687	15	9	are	be	AUX
ajfa-7687	15	10	adversely	adversely	ADV
ajfa-7687	15	11	affected	affect	VERB
ajfa-7687	15	12	by	by	ADP
ajfa-7687	15	13	the	the	DET
ajfa-7687	15	14	high	high	ADJ
ajfa-7687	15	15	level	level	NOUN
ajfa-7687	15	16	of	of	ADP
ajfa-7687	15	17	npas	npas	NOUN
ajfa-7687	15	18	.	.	PUNCT
ajfa-7687	16	1	though	though	SCONJ
ajfa-7687	16	2	it	it	PRON
ajfa-7687	16	3	is	be	AUX
ajfa-7687	16	4	not	not	PART
ajfa-7687	16	5	possible	possible	ADJ
ajfa-7687	16	6	to	to	PART
ajfa-7687	16	7	have	have	VERB
ajfa-7687	16	8	zero	zero	NUM
ajfa-7687	16	9	npas	npa	NOUN
ajfa-7687	16	10	,	,	PUNCT
ajfa-7687	16	11	a	a	DET
ajfa-7687	16	12	proper	proper	ADJ
ajfa-7687	16	13	understanding	understanding	NOUN
ajfa-7687	16	14	of	of	ADP
ajfa-7687	16	15	npas	npas	PROPN
ajfa-7687	16	16	is	be	AUX
ajfa-7687	16	17	required	require	VERB
ajfa-7687	16	18	to	to	PART
ajfa-7687	16	19	manage	manage	VERB
ajfa-7687	16	20	them	they	PRON
ajfa-7687	16	21	,	,	PUNCT
ajfa-7687	16	22	with	with	ADP
ajfa-7687	16	23	a	a	DET
ajfa-7687	16	24	view	view	NOUN
ajfa-7687	16	25	to	to	ADP
ajfa-7687	16	26	keeping	keep	VERB
ajfa-7687	16	27	them	they	PRON
ajfa-7687	16	28	under	under	ADP
ajfa-7687	16	29	control	control	NOUN
ajfa-7687	16	30	.	.	PUNCT
ajfa-7687	17	1	to	to	PART
ajfa-7687	17	2	understand	understand	VERB
ajfa-7687	17	3	npas	npas	PROPN
ajfa-7687	17	4	,	,	PUNCT
ajfa-7687	17	5	it	it	PRON
ajfa-7687	17	6	becomes	become	VERB
ajfa-7687	17	7	imperative	imperative	ADJ
ajfa-7687	17	8	to	to	PART
ajfa-7687	17	9	understand	understand	VERB
ajfa-7687	17	10	the	the	DET
ajfa-7687	17	11	determinants	determinant	NOUN
ajfa-7687	17	12	of	of	ADP
ajfa-7687	17	13	npas	npa	NOUN
ajfa-7687	17	14	both	both	CCONJ
ajfa-7687	17	15	from	from	ADP
ajfa-7687	17	16	the	the	DET
ajfa-7687	17	17	regulatory	regulatory	NOUN
ajfa-7687	17	18	as	as	ADV
ajfa-7687	17	19	well	well	ADV
ajfa-7687	17	20	as	as	ADP
ajfa-7687	17	21	managerial	managerial	ADJ
ajfa-7687	17	22	angles	angle	NOUN
ajfa-7687	17	23	.	.	PUNCT
ajfa-7687	18	1	for	for	ADP
ajfa-7687	18	2	the	the	DET
ajfa-7687	18	3	regulator	regulator	NOUN
ajfa-7687	18	4	,	,	PUNCT
ajfa-7687	18	5	npas	npa	NOUN
ajfa-7687	18	6	are	be	AUX
ajfa-7687	18	7	crucial	crucial	ADJ
ajfa-7687	18	8	since	since	SCONJ
ajfa-7687	18	9	they	they	PRON
ajfa-7687	18	10	constitute	constitute	VERB
ajfa-7687	18	11	the	the	DET
ajfa-7687	18	12	first	first	ADJ
ajfa-7687	18	13	trigger	trigger	NOUN
ajfa-7687	18	14	of	of	ADP
ajfa-7687	18	15	banking	banking	NOUN
ajfa-7687	18	16	crises	crisis	NOUN
ajfa-7687	18	17	.	.	PUNCT
ajfa-7687	19	1	for	for	ADP
ajfa-7687	19	2	the	the	DET
ajfa-7687	19	3	bank	bank	NOUN
ajfa-7687	19	4	manager	manager	NOUN
ajfa-7687	19	5	,	,	PUNCT
ajfa-7687	19	6	npas	npa	VERB
ajfa-7687	19	7	reduces	reduce	VERB
ajfa-7687	19	8	the	the	DET
ajfa-7687	19	9	bank	bank	NOUN
ajfa-7687	19	10	’s	’s	PART
ajfa-7687	19	11	profitability	profitability	NOUN
ajfa-7687	19	12	,	,	PUNCT
ajfa-7687	19	13	as	as	SCONJ
ajfa-7687	19	14	banks	bank	NOUN
ajfa-7687	19	15	are	be	AUX
ajfa-7687	19	16	not	not	PART
ajfa-7687	19	17	allowed	allow	VERB
ajfa-7687	19	18	to	to	PART
ajfa-7687	19	19	book	book	VERB
ajfa-7687	19	20	income	income	NOUN
ajfa-7687	19	21	on	on	ADP
ajfa-7687	19	22	npas	npas	NUM
ajfa-7687	19	23	and	and	CCONJ
ajfa-7687	19	24	,	,	PUNCT
ajfa-7687	19	25	at	at	ADP
ajfa-7687	19	26	the	the	DET
ajfa-7687	19	27	same	same	ADJ
ajfa-7687	19	28	time	time	NOUN
ajfa-7687	19	29	,	,	PUNCT
ajfa-7687	19	30	required	require	VERB
ajfa-7687	19	31	to	to	PART
ajfa-7687	19	32	make	make	VERB
ajfa-7687	19	33	provision	provision	NOUN
ajfa-7687	19	34	for	for	ADP
ajfa-7687	19	35	such	such	ADJ
ajfa-7687	19	36	accounts	account	NOUN
ajfa-7687	19	37	as	as	ADP
ajfa-7687	19	38	per	per	ADP
ajfa-7687	19	39	the	the	DET
ajfa-7687	19	40	regulator	regulator	NOUN
ajfa-7687	19	41	’s	’s	PART
ajfa-7687	19	42	guidelines	guideline	NOUN
ajfa-7687	19	43	.	.	PUNCT
ajfa-7687	20	1	moreover	moreover	ADV
ajfa-7687	20	2	,	,	PUNCT
ajfa-7687	20	3	managerial	managerial	ADJ
ajfa-7687	20	4	and	and	CCONJ
ajfa-7687	20	5	financial	financial	ADJ
ajfa-7687	20	6	resources	resource	NOUN
ajfa-7687	20	7	of	of	ADP
ajfa-7687	20	8	the	the	DET
ajfa-7687	20	9	bank	bank	NOUN
ajfa-7687	20	10	are	be	AUX
ajfa-7687	20	11	diverted	divert	VERB
ajfa-7687	20	12	towards	towards	ADP
ajfa-7687	20	13	resolution	resolution	NOUN
ajfa-7687	20	14	of	of	ADP
ajfa-7687	20	15	npa	npa	NOUN
ajfa-7687	20	16	problem	problem	NOUN
ajfa-7687	20	17	causing	cause	VERB
ajfa-7687	20	18	lost	lose	VERB
ajfa-7687	20	19	opportunities	opportunity	NOUN
ajfa-7687	20	20	for	for	ADP
ajfa-7687	20	21	more	more	ADJ
ajfa-7687	20	22	productive	productive	ADJ
ajfa-7687	20	23	use	use	NOUN
ajfa-7687	20	24	of	of	ADP
ajfa-7687	20	25	resources	resource	NOUN
ajfa-7687	20	26	.	.	PUNCT
ajfa-7687	21	1	a	a	DET
ajfa-7687	21	2	bank	bank	NOUN
ajfa-7687	21	3	saddled	saddle	VERB
ajfa-7687	21	4	with	with	ADP
ajfa-7687	21	5	npas	npa	NOUN
ajfa-7687	21	6	might	might	AUX
ajfa-7687	21	7	tend	tend	VERB
ajfa-7687	21	8	to	to	PART
ajfa-7687	21	9	become	become	VERB
ajfa-7687	21	10	risk	risk	NOUN
ajfa-7687	21	11	averse	averse	ADJ
ajfa-7687	21	12	in	in	ADP
ajfa-7687	21	13	making	make	VERB
ajfa-7687	21	14	new	new	ADJ
ajfa-7687	21	15	loans	loan	NOUN
ajfa-7687	21	16	,	,	PUNCT
ajfa-7687	21	17	particularly	particularly	ADV
ajfa-7687	21	18	to	to	ADP
ajfa-7687	21	19	smes	sme	NOUN
ajfa-7687	21	20	.	.	PUNCT
ajfa-7687	22	1	hence	hence	ADV
ajfa-7687	22	2	an	an	DET
ajfa-7687	22	3	attempt	attempt	NOUN
ajfa-7687	22	4	is	be	AUX
ajfa-7687	22	5	made	make	VERB
ajfa-7687	22	6	to	to	PART
ajfa-7687	22	7	understand	understand	VERB
ajfa-7687	22	8	the	the	DET
ajfa-7687	22	9	determinants	determinant	NOUN
ajfa-7687	22	10	of	of	ADP
ajfa-7687	22	11	the	the	DET
ajfa-7687	22	12	performance	performance	NOUN
ajfa-7687	22	13	of	of	ADP
ajfa-7687	22	14	the	the	DET
ajfa-7687	22	15	banks	bank	NOUN
ajfa-7687	22	16	based	base	VERB
ajfa-7687	22	17	on	on	ADP
ajfa-7687	22	18	asset	asset	NOUN
ajfa-7687	22	19	quality	quality	NOUN
ajfa-7687	22	20	measured	measure	VERB
ajfa-7687	22	21	by	by	ADP
ajfa-7687	22	22	the	the	DET
ajfa-7687	22	23	level	level	NOUN
ajfa-7687	22	24	of	of	ADP
ajfa-7687	22	25	non	non	ADJ
ajfa-7687	22	26	-	-	ADJ
ajfa-7687	22	27	performing	perform	VERB
ajfa-7687	22	28	assets	asset	NOUN
ajfa-7687	22	29	in	in	ADP
ajfa-7687	22	30	a	a	DET
ajfa-7687	22	31	bank	bank	NOUN
ajfa-7687	22	32	subsequent	subsequent	ADJ
ajfa-7687	22	33	to	to	ADP
ajfa-7687	22	34	the	the	DET
ajfa-7687	22	35	recommendations	recommendation	NOUN
ajfa-7687	22	36	made	make	VERB
ajfa-7687	22	37	in	in	ADP
ajfa-7687	22	38	narasimham	narasimham	PROPN
ajfa-7687	22	39	committee	committee	NOUN
ajfa-7687	22	40	report	report	NOUN
ajfa-7687	22	41	(	(	PUNCT
ajfa-7687	22	42	1998	1998	NUM
ajfa-7687	22	43	)	)	PUNCT
ajfa-7687	22	44	and	and	CCONJ
ajfa-7687	22	45	global	global	ADJ
ajfa-7687	22	46	financial	financial	ADJ
ajfa-7687	22	47	turmoil	turmoil	NOUN
ajfa-7687	22	48	.	.	PUNCT
ajfa-7687	23	1	2	2	X
ajfa-7687	23	2	.	.	X
ajfa-7687	23	3	previous	previous	ADJ
ajfa-7687	23	4	research	research	NOUN
ajfa-7687	23	5	and	and	CCONJ
ajfa-7687	23	6	research	research	NOUN
ajfa-7687	23	7	questions	question	NOUN
ajfa-7687	23	8	2.1	2.1	NUM
ajfa-7687	23	9	empirical	empirical	ADJ
ajfa-7687	23	10	studies	study	NOUN
ajfa-7687	23	11	using	use	VERB
ajfa-7687	23	12	static	static	ADJ
ajfa-7687	23	13	econometric	econometric	ADJ
ajfa-7687	23	14	models	model	NOUN
ajfa-7687	23	15	in	in	ADP
ajfa-7687	23	16	the	the	DET
ajfa-7687	23	17	banking	banking	NOUN
ajfa-7687	23	18	literature	literature	NOUN
ajfa-7687	23	19	,	,	PUNCT
ajfa-7687	23	20	the	the	DET
ajfa-7687	23	21	problem	problem	NOUN
ajfa-7687	23	22	of	of	ADP
ajfa-7687	23	23	npas	npas	PROPN
ajfa-7687	23	24	has	have	AUX
ajfa-7687	23	25	been	be	AUX
ajfa-7687	23	26	revisited	revisit	VERB
ajfa-7687	23	27	in	in	ADP
ajfa-7687	23	28	several	several	ADJ
ajfa-7687	23	29	theoretical	theoretical	ADJ
ajfa-7687	23	30	and	and	CCONJ
ajfa-7687	23	31	empirical	empirical	ADJ
ajfa-7687	23	32	studies	study	NOUN
ajfa-7687	23	33	.	.	PUNCT
ajfa-7687	24	1	rajaraman	rajaraman	NOUN
ajfa-7687	24	2	,	,	PUNCT
ajfa-7687	24	3	bhaumik	bhaumik	NOUN
ajfa-7687	24	4	and	and	CCONJ
ajfa-7687	24	5	bhatia	bhatia	PROPN
ajfa-7687	24	6	(	(	PUNCT
ajfa-7687	24	7	1999	1999	NUM
ajfa-7687	24	8	)	)	PUNCT
ajfa-7687	24	9	explained	explain	VERB
ajfa-7687	24	10	variations	variation	NOUN
ajfa-7687	24	11	in	in	ADP
ajfa-7687	24	12	npas	npas	NOUN
ajfa-7687	24	13	across	across	ADP
ajfa-7687	24	14	indian	indian	ADJ
ajfa-7687	24	15	banks	bank	NOUN
ajfa-7687	24	16	through	through	ADP
ajfa-7687	24	17	differences	difference	NOUN
ajfa-7687	24	18	in	in	ADP
ajfa-7687	24	19	operating	operating	NOUN
ajfa-7687	24	20	efficiency	efficiency	NOUN
ajfa-7687	24	21	,	,	PUNCT
ajfa-7687	24	22	solvency	solvency	NOUN
ajfa-7687	24	23	and	and	CCONJ
ajfa-7687	24	24	regional	regional	ADJ
ajfa-7687	24	25	concentration	concentration	NOUN
ajfa-7687	24	26	.	.	PUNCT
ajfa-7687	25	1	a	a	DET
ajfa-7687	25	2	considered	considered	ADJ
ajfa-7687	25	3	view	view	NOUN
ajfa-7687	25	4	is	be	AUX
ajfa-7687	25	5	that	that	SCONJ
ajfa-7687	25	6	banks	bank	NOUN
ajfa-7687	25	7	’	’	PART
ajfa-7687	25	8	lending	lending	NOUN
ajfa-7687	25	9	policy	policy	NOUN
ajfa-7687	25	10	could	could	AUX
ajfa-7687	25	11	have	have	VERB
ajfa-7687	25	12	crucial	crucial	ADJ
ajfa-7687	25	13	influence	influence	NOUN
ajfa-7687	25	14	on	on	ADP
ajfa-7687	25	15	non	non	ADJ
ajfa-7687	25	16	-	-	ADJ
ajfa-7687	25	17	performing	perform	VERB
ajfa-7687	25	18	loans	loan	NOUN
ajfa-7687	25	19	.	.	PUNCT
ajfa-7687	26	1	reddy	reddy	PROPN
ajfa-7687	26	2	(	(	PUNCT
ajfa-7687	26	3	2004	2004	NUM
ajfa-7687	26	4	)	)	PUNCT
ajfa-7687	26	5	critically	critically	ADV
ajfa-7687	26	6	examined	examine	VERB
ajfa-7687	26	7	various	various	ADJ
ajfa-7687	26	8	issues	issue	NOUN
ajfa-7687	26	9	pertaining	pertain	VERB
ajfa-7687	26	10	to	to	ADP
ajfa-7687	26	11	terms	term	NOUN
ajfa-7687	26	12	of	of	ADP
ajfa-7687	26	13	credit	credit	NOUN
ajfa-7687	26	14	of	of	ADP
ajfa-7687	26	15	indian	indian	ADJ
ajfa-7687	26	16	banks	bank	NOUN
ajfa-7687	26	17	.	.	PUNCT
ajfa-7687	27	1	in	in	ADP
ajfa-7687	27	2	this	this	DET
ajfa-7687	27	3	context	context	NOUN
ajfa-7687	27	4	,	,	PUNCT
ajfa-7687	27	5	it	it	PRON
ajfa-7687	27	6	was	be	AUX
ajfa-7687	27	7	viewed	view	VERB
ajfa-7687	27	8	that	that	SCONJ
ajfa-7687	27	9	‘	'	PUNCT
ajfa-7687	27	10	the	the	DET
ajfa-7687	27	11	element	element	NOUN
ajfa-7687	27	12	of	of	ADP
ajfa-7687	27	13	power	power	NOUN
ajfa-7687	27	14	has	have	VERB
ajfa-7687	27	15	no	no	DET
ajfa-7687	27	16	bearing	bearing	NOUN
ajfa-7687	27	17	on	on	ADP
ajfa-7687	27	18	the	the	DET
ajfa-7687	27	19	illegal	illegal	ADJ
ajfa-7687	27	20	activity	activity	NOUN
ajfa-7687	27	21	.	.	PUNCT
ajfa-7687	28	1	a	a	DET
ajfa-7687	28	2	default	default	NOUN
ajfa-7687	28	3	is	be	AUX
ajfa-7687	28	4	not	not	PART
ajfa-7687	28	5	entirely	entirely	ADV
ajfa-7687	28	6	an	an	DET
ajfa-7687	28	7	irrational	irrational	ADJ
ajfa-7687	28	8	decision	decision	NOUN
ajfa-7687	28	9	.	.	PUNCT
ajfa-7687	29	1	rather	rather	ADV
ajfa-7687	29	2	a	a	DET
ajfa-7687	29	3	defaulter	defaulter	NOUN
ajfa-7687	29	4	takes	take	VERB
ajfa-7687	29	5	into	into	ADP
ajfa-7687	29	6	account	account	NOUN
ajfa-7687	29	7	probabilistic	probabilistic	ADJ
ajfa-7687	29	8	assessment	assessment	NOUN
ajfa-7687	29	9	of	of	ADP
ajfa-7687	29	10	various	various	ADJ
ajfa-7687	29	11	costs	cost	NOUN
ajfa-7687	29	12	and	and	CCONJ
ajfa-7687	29	13	benefits	benefit	NOUN
ajfa-7687	29	14	of	of	ADP
ajfa-7687	29	15	his	his	PRON
ajfa-7687	29	16	decision	decision	NOUN
ajfa-7687	29	17	’	'	PUNCT
ajfa-7687	29	18	.	.	PUNCT
ajfa-7687	30	1	mohan	mohan	PROPN
ajfa-7687	30	2	(	(	PUNCT
ajfa-7687	30	3	2003	2003	NUM
ajfa-7687	30	4	)	)	PUNCT
ajfa-7687	30	5	emphasized	emphasize	VERB
ajfa-7687	30	6	on	on	ADP
ajfa-7687	30	7	key	key	ADJ
ajfa-7687	30	8	lending	lending	NOUN
ajfa-7687	30	9	terms	term	NOUN
ajfa-7687	30	10	of	of	ADP
ajfa-7687	30	11	credit	credit	NOUN
ajfa-7687	30	12	,	,	PUNCT
ajfa-7687	30	13	such	such	ADJ
ajfa-7687	30	14	as	as	ADP
ajfa-7687	30	15	maturity	maturity	NOUN
ajfa-7687	30	16	and	and	CCONJ
ajfa-7687	30	17	interest	interest	NOUN
ajfa-7687	30	18	-	-	PUNCT
ajfa-7687	30	19	terms	term	NOUN
ajfa-7687	30	20	of	of	ADP
ajfa-7687	30	21	loans	loan	NOUN
ajfa-7687	30	22	to	to	ADP
ajfa-7687	30	23	corporate	corporate	ADJ
ajfa-7687	30	24	sector	sector	NOUN
ajfa-7687	30	25	.	.	PUNCT
ajfa-7687	31	1	the	the	DET
ajfa-7687	31	2	indian	indian	PROPN
ajfa-7687	31	3	viewpoint	viewpoint	NOUN
ajfa-7687	31	4	alluding	allude	VERB
ajfa-7687	31	5	to	to	ADP
ajfa-7687	31	6	the	the	DET
ajfa-7687	31	7	concepts	concept	NOUN
ajfa-7687	31	8	of	of	ADP
ajfa-7687	31	9	‘	'	PUNCT
ajfa-7687	31	10	credit	credit	NOUN
ajfa-7687	31	11	culture	culture	NOUN
ajfa-7687	31	12	’	'	PUNCT
ajfa-7687	31	13	owing	owe	VERB
ajfa-7687	31	14	to	to	ADP
ajfa-7687	31	15	reddy	reddy	PROPN
ajfa-7687	31	16	(	(	PUNCT
ajfa-7687	31	17	2004	2004	NUM
ajfa-7687	31	18	)	)	PUNCT
ajfa-7687	31	19	has	have	VERB
ajfa-7687	31	20	an	an	DET
ajfa-7687	31	21	international	international	ADJ
ajfa-7687	31	22	perspective	perspective	NOUN
ajfa-7687	31	23	since	since	SCONJ
ajfa-7687	31	24	several	several	ADJ
ajfa-7687	31	25	studies	study	NOUN
ajfa-7687	31	26	in	in	ADP
ajfa-7687	31	27	the	the	DET
ajfa-7687	31	28	banking	banking	NOUN
ajfa-7687	31	29	literature	literature	NOUN
ajfa-7687	31	30	agree	agree	VERB
ajfa-7687	31	31	that	that	SCONJ
ajfa-7687	31	32	banks	bank	NOUN
ajfa-7687	31	33	’	’	PART
ajfa-7687	31	34	lending	lending	NOUN
ajfa-7687	31	35	policy	policy	NOUN
ajfa-7687	31	36	is	be	AUX
ajfa-7687	31	37	a	a	DET
ajfa-7687	31	38	major	major	ADJ
ajfa-7687	31	39	driver	driver	NOUN
ajfa-7687	31	40	of	of	ADP
ajfa-7687	31	41	non	non	ADJ
ajfa-7687	31	42	-	-	ADJ
ajfa-7687	31	43	performing	performing	ADJ
ajfa-7687	31	44	loans	loan	NOUN
ajfa-7687	31	45	[	[	X
ajfa-7687	31	46	mcgoven	mcgoven	NOUN
ajfa-7687	31	47	(	(	PUNCT
ajfa-7687	31	48	1993	1993	NUM
ajfa-7687	31	49	)	)	PUNCT
ajfa-7687	31	50	,	,	PUNCT
ajfa-7687	31	51	bloem	bloem	NOUN
ajfa-7687	31	52	and	and	CCONJ
ajfa-7687	31	53	gorters	gorter	NOUN
ajfa-7687	31	54	(	(	PUNCT
ajfa-7687	31	55	2001)].the	2001)].the	DET
ajfa-7687	31	56	problem	problem	NOUN
ajfa-7687	31	57	of	of	ADP
ajfa-7687	31	58	npas	npas	PROPN
ajfa-7687	31	59	is	be	AUX
ajfa-7687	31	60	related	relate	VERB
ajfa-7687	31	61	to	to	ADP
ajfa-7687	31	62	several	several	ADJ
ajfa-7687	31	63	internal	internal	ADJ
ajfa-7687	31	64	factors	factor	NOUN
ajfa-7687	31	65	and	and	CCONJ
ajfa-7687	31	66	external	external	ADJ
ajfa-7687	31	67	factors	factor	NOUN
ajfa-7687	31	68	confronting	confront	VERB
ajfa-7687	31	69	the	the	DET
ajfa-7687	31	70	borrowers	borrower	NOUN
ajfa-7687	31	71	(	(	PUNCT
ajfa-7687	31	72	muniappan	muniappan	NOUN
ajfa-7687	31	73	,	,	PUNCT
ajfa-7687	31	74	2002	2002	NUM
ajfa-7687	31	75	)	)	PUNCT
ajfa-7687	31	76	.	.	PUNCT
ajfa-7687	32	1	asian	asian	ADJ
ajfa-7687	32	2	journal	journal	PROPN
ajfa-7687	32	3	of	of	ADP
ajfa-7687	32	4	finance	finance	PROPN
ajfa-7687	32	5	&	&	CCONJ
ajfa-7687	32	6	accounting	accounting	PROPN
ajfa-7687	32	7	issn	issn	PROPN
ajfa-7687	32	8	1946	1946	NUM
ajfa-7687	32	9	-	-	PUNCT
ajfa-7687	32	10	052x	052x	NOUN
ajfa-7687	32	11	2015	2015	NUM
ajfa-7687	32	12	,	,	PUNCT
ajfa-7687	32	13	vol	vol	NOUN
ajfa-7687	32	14	.	.	PROPN
ajfa-7687	32	15	7	7	NUM
ajfa-7687	32	16	,	,	PUNCT
ajfa-7687	32	17	no	no	INTJ
ajfa-7687	32	18	.	.	NOUN
ajfa-7687	32	19	1	1	NUM
ajfa-7687	32	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-7687	32	21	185	185	NUM
ajfa-7687	32	22	the	the	DET
ajfa-7687	32	23	internal	internal	ADJ
ajfa-7687	32	24	factors	factor	NOUN
ajfa-7687	32	25	such	such	ADJ
ajfa-7687	32	26	as	as	ADP
ajfa-7687	32	27	business	business	NOUN
ajfa-7687	32	28	(	(	PUNCT
ajfa-7687	32	29	product	product	NOUN
ajfa-7687	32	30	,	,	PUNCT
ajfa-7687	32	31	marketing	marketing	NOUN
ajfa-7687	32	32	,	,	PUNCT
ajfa-7687	32	33	etc	etc	X
ajfa-7687	32	34	.	.	X
ajfa-7687	32	35	)	)	PUNCT
ajfa-7687	32	36	failure	failure	NOUN
ajfa-7687	32	37	,	,	PUNCT
ajfa-7687	32	38	inefficient	inefficient	ADJ
ajfa-7687	32	39	management	management	NOUN
ajfa-7687	32	40	,	,	PUNCT
ajfa-7687	32	41	strained	strain	VERB
ajfa-7687	32	42	labour	labour	PROPN
ajfa-7687	32	43	relations	relation	NOUN
ajfa-7687	32	44	,	,	PUNCT
ajfa-7687	32	45	inappropriate	inappropriate	ADJ
ajfa-7687	32	46	technology	technology	NOUN
ajfa-7687	32	47	/	/	SYM
ajfa-7687	32	48	technical	technical	ADJ
ajfa-7687	32	49	problems	problem	NOUN
ajfa-7687	32	50	and	and	CCONJ
ajfa-7687	32	51	external	external	ADJ
ajfa-7687	32	52	factors	factor	NOUN
ajfa-7687	32	53	such	such	ADJ
ajfa-7687	32	54	as	as	ADP
ajfa-7687	32	55	recession	recession	NOUN
ajfa-7687	32	56	,	,	PUNCT
ajfa-7687	32	57	non	non	ADJ
ajfa-7687	32	58	-	-	NOUN
ajfa-7687	32	59	payment	payment	NOUN
ajfa-7687	32	60	in	in	ADP
ajfa-7687	32	61	other	other	ADJ
ajfa-7687	32	62	countries	country	NOUN
ajfa-7687	32	63	,	,	PUNCT
ajfa-7687	32	64	inputs	input	NOUN
ajfa-7687	32	65	/	/	SYM
ajfa-7687	32	66	power	power	NOUN
ajfa-7687	32	67	shortage	shortage	NOUN
ajfa-7687	32	68	,	,	PUNCT
ajfa-7687	32	69	price	price	NOUN
ajfa-7687	32	70	escalation	escalation	NOUN
ajfa-7687	32	71	,	,	PUNCT
ajfa-7687	32	72	accidents	accident	NOUN
ajfa-7687	32	73	and	and	CCONJ
ajfa-7687	32	74	natural	natural	ADJ
ajfa-7687	32	75	calamities	calamity	NOUN
ajfa-7687	32	76	.	.	PUNCT
ajfa-7687	33	1	rajaraman	rajaraman	NOUN
ajfa-7687	33	2	and	and	CCONJ
ajfa-7687	33	3	vasishtha	vasishtha	PROPN
ajfa-7687	33	4	(	(	PUNCT
ajfa-7687	33	5	2002	2002	NUM
ajfa-7687	33	6	)	)	PUNCT
ajfa-7687	33	7	in	in	ADP
ajfa-7687	33	8	an	an	DET
ajfa-7687	33	9	empirical	empirical	ADJ
ajfa-7687	33	10	study	study	NOUN
ajfa-7687	33	11	provided	provide	VERB
ajfa-7687	33	12	an	an	DET
ajfa-7687	33	13	evidence	evidence	NOUN
ajfa-7687	33	14	of	of	ADP
ajfa-7687	33	15	significant	significant	ADJ
ajfa-7687	33	16	bivariate	bivariate	ADJ
ajfa-7687	33	17	relationship	relationship	NOUN
ajfa-7687	33	18	between	between	ADP
ajfa-7687	33	19	an	an	DET
ajfa-7687	33	20	operating	operate	VERB
ajfa-7687	33	21	inefficiency	inefficiency	NOUN
ajfa-7687	33	22	indicator	indicator	NOUN
ajfa-7687	33	23	and	and	CCONJ
ajfa-7687	33	24	the	the	DET
ajfa-7687	33	25	problem	problem	NOUN
ajfa-7687	33	26	loans	loan	NOUN
ajfa-7687	33	27	of	of	ADP
ajfa-7687	33	28	public	public	ADJ
ajfa-7687	33	29	sector	sector	NOUN
ajfa-7687	33	30	banks	bank	NOUN
ajfa-7687	33	31	.	.	PUNCT
ajfa-7687	34	1	saurina	saurina	NOUN
ajfa-7687	34	2	(	(	PUNCT
ajfa-7687	34	3	2002	2002	NUM
ajfa-7687	34	4	)	)	PUNCT
ajfa-7687	34	5	using	use	VERB
ajfa-7687	34	6	panel	panel	NOUN
ajfa-7687	34	7	data	datum	NOUN
ajfa-7687	34	8	on	on	ADP
ajfa-7687	34	9	spanish	spanish	ADJ
ajfa-7687	34	10	commercial	commercial	NOUN
ajfa-7687	34	11	and	and	CCONJ
ajfa-7687	34	12	saving	save	VERB
ajfa-7687	34	13	banks	bank	NOUN
ajfa-7687	34	14	,	,	PUNCT
ajfa-7687	34	15	revealed	reveal	VERB
ajfa-7687	34	16	that	that	SCONJ
ajfa-7687	34	17	various	various	ADJ
ajfa-7687	34	18	macroeconomic	macroeconomic	ADJ
ajfa-7687	34	19	and	and	CCONJ
ajfa-7687	34	20	bank	bank	NOUN
ajfa-7687	34	21	specific	specific	ADJ
ajfa-7687	34	22	factors	factor	NOUN
ajfa-7687	34	23	such	such	ADJ
ajfa-7687	34	24	as	as	ADP
ajfa-7687	34	25	growth	growth	NOUN
ajfa-7687	34	26	in	in	ADP
ajfa-7687	34	27	gdp	gdp	PROPN
ajfa-7687	34	28	,	,	PUNCT
ajfa-7687	34	29	rapid	rapid	ADJ
ajfa-7687	34	30	credit	credit	NOUN
ajfa-7687	34	31	expansion	expansion	NOUN
ajfa-7687	34	32	,	,	PUNCT
ajfa-7687	34	33	bank	bank	NOUN
ajfa-7687	34	34	size	size	NOUN
ajfa-7687	34	35	and	and	CCONJ
ajfa-7687	34	36	capital	capital	NOUN
ajfa-7687	34	37	adequacy	adequacy	NOUN
ajfa-7687	34	38	ratio	ratio	NOUN
ajfa-7687	34	39	influenced	influence	VERB
ajfa-7687	34	40	the	the	DET
ajfa-7687	34	41	non	non	ADJ
ajfa-7687	34	42	-	-	ADJ
ajfa-7687	34	43	performing	perform	VERB
ajfa-7687	34	44	loans	loan	NOUN
ajfa-7687	34	45	.	.	PUNCT
ajfa-7687	35	1	berger	berger	PROPN
ajfa-7687	35	2	and	and	CCONJ
ajfa-7687	35	3	udell	udell	PROPN
ajfa-7687	35	4	(	(	PUNCT
ajfa-7687	35	5	2004	2004	NUM
ajfa-7687	35	6	)	)	PUNCT
ajfa-7687	35	7	suggested	suggest	VERB
ajfa-7687	35	8	that	that	SCONJ
ajfa-7687	35	9	the	the	DET
ajfa-7687	35	10	time	time	NOUN
ajfa-7687	35	11	lapse	lapse	NOUN
ajfa-7687	35	12	between	between	ADP
ajfa-7687	35	13	successive	successive	ADJ
ajfa-7687	35	14	loan	loan	NOUN
ajfa-7687	35	15	bust	bust	NOUN
ajfa-7687	35	16	periods	period	NOUN
ajfa-7687	35	17	could	could	AUX
ajfa-7687	35	18	be	be	AUX
ajfa-7687	35	19	a	a	DET
ajfa-7687	35	20	contributing	contribute	VERB
ajfa-7687	35	21	factor	factor	NOUN
ajfa-7687	35	22	for	for	SCONJ
ajfa-7687	35	23	banks	bank	NOUN
ajfa-7687	35	24	to	to	PART
ajfa-7687	35	25	accumulate	accumulate	VERB
ajfa-7687	35	26	bad	bad	ADJ
ajfa-7687	35	27	loans	loan	NOUN
ajfa-7687	35	28	in	in	ADP
ajfa-7687	35	29	the	the	DET
ajfa-7687	35	30	future	future	NOUN
ajfa-7687	35	31	and	and	CCONJ
ajfa-7687	35	32	this	this	PRON
ajfa-7687	35	33	could	could	AUX
ajfa-7687	35	34	be	be	AUX
ajfa-7687	35	35	due	due	ADJ
ajfa-7687	35	36	to	to	ADP
ajfa-7687	35	37	the	the	DET
ajfa-7687	35	38	high	high	ADJ
ajfa-7687	35	39	turn	turn	NOUN
ajfa-7687	35	40	-	-	PUNCT
ajfa-7687	35	41	over	over	NOUN
ajfa-7687	35	42	of	of	ADP
ajfa-7687	35	43	credit	credit	NOUN
ajfa-7687	35	44	officers	officer	NOUN
ajfa-7687	35	45	in	in	ADP
ajfa-7687	35	46	the	the	DET
ajfa-7687	35	47	banking	banking	NOUN
ajfa-7687	35	48	system	system	NOUN
ajfa-7687	35	49	due	due	ADP
ajfa-7687	35	50	to	to	ADP
ajfa-7687	35	51	various	various	ADJ
ajfa-7687	35	52	reasons	reason	NOUN
ajfa-7687	35	53	.	.	PUNCT
ajfa-7687	36	1	the	the	DET
ajfa-7687	36	2	pro	pro	ADJ
ajfa-7687	36	3	-	-	ADJ
ajfa-7687	36	4	cyclical	cyclical	ADJ
ajfa-7687	36	5	nature	nature	NOUN
ajfa-7687	36	6	of	of	ADP
ajfa-7687	36	7	the	the	DET
ajfa-7687	36	8	accumulation	accumulation	NOUN
ajfa-7687	36	9	of	of	ADP
ajfa-7687	36	10	bad	bad	ADJ
ajfa-7687	36	11	loans	loan	NOUN
ajfa-7687	36	12	is	be	AUX
ajfa-7687	36	13	due	due	ADJ
ajfa-7687	36	14	to	to	ADP
ajfa-7687	36	15	the	the	DET
ajfa-7687	36	16	fact	fact	NOUN
ajfa-7687	36	17	that	that	SCONJ
ajfa-7687	36	18	during	during	ADP
ajfa-7687	36	19	the	the	DET
ajfa-7687	36	20	bust	bust	PROPN
ajfa-7687	36	21	times	time	NOUN
ajfa-7687	36	22	,	,	PUNCT
ajfa-7687	36	23	the	the	DET
ajfa-7687	36	24	value	value	NOUN
ajfa-7687	36	25	of	of	ADP
ajfa-7687	36	26	collateral	collateral	ADJ
ajfa-7687	36	27	erodes	erode	NOUN
ajfa-7687	36	28	and	and	CCONJ
ajfa-7687	36	29	there	there	PRON
ajfa-7687	36	30	is	be	VERB
ajfa-7687	36	31	an	an	DET
ajfa-7687	36	32	overall	overall	ADJ
ajfa-7687	36	33	decline	decline	NOUN
ajfa-7687	36	34	in	in	ADP
ajfa-7687	36	35	the	the	DET
ajfa-7687	36	36	credit	credit	NOUN
ajfa-7687	36	37	standards	standard	NOUN
ajfa-7687	36	38	(	(	PUNCT
ajfa-7687	36	39	gabriel	gabriel	PROPN
ajfa-7687	36	40	et	et	PROPN
ajfa-7687	36	41	al	al	PROPN
ajfa-7687	36	42	.	.	PROPN
ajfa-7687	36	43	2006	2006	NUM
ajfa-7687	36	44	)	)	PUNCT
ajfa-7687	36	45	.	.	PUNCT
ajfa-7687	37	1	hu	hu	PROPN
ajfa-7687	37	2	et	et	PROPN
ajfa-7687	37	3	a.l	a.l	PROPN
ajfa-7687	37	4	,	,	PUNCT
ajfa-7687	37	5	(	(	PUNCT
ajfa-7687	37	6	2004	2004	NUM
ajfa-7687	37	7	)	)	PUNCT
ajfa-7687	37	8	found	find	VERB
ajfa-7687	37	9	an	an	DET
ajfa-7687	37	10	inverse	inverse	NOUN
ajfa-7687	37	11	relationship	relationship	NOUN
ajfa-7687	37	12	between	between	ADP
ajfa-7687	37	13	bank	bank	NOUN
ajfa-7687	37	14	size	size	NOUN
ajfa-7687	37	15	and	and	CCONJ
ajfa-7687	37	16	npls	npls	NOUN
ajfa-7687	37	17	.	.	PUNCT
ajfa-7687	38	1	their	their	PRON
ajfa-7687	38	2	argument	argument	NOUN
ajfa-7687	38	3	is	be	AUX
ajfa-7687	38	4	that	that	SCONJ
ajfa-7687	38	5	large	large	ADJ
ajfa-7687	38	6	banks	bank	NOUN
ajfa-7687	38	7	have	have	VERB
ajfa-7687	38	8	better	well	ADJ
ajfa-7687	38	9	risk	risk	NOUN
ajfa-7687	38	10	management	management	NOUN
ajfa-7687	38	11	strategies	strategy	NOUN
ajfa-7687	38	12	that	that	PRON
ajfa-7687	38	13	usually	usually	ADV
ajfa-7687	38	14	translate	translate	VERB
ajfa-7687	38	15	into	into	ADP
ajfa-7687	38	16	more	more	ADJ
ajfa-7687	38	17	superior	superior	ADJ
ajfa-7687	38	18	loan	loan	NOUN
ajfa-7687	38	19	portfolios	portfolio	NOUN
ajfa-7687	38	20	than	than	ADP
ajfa-7687	38	21	their	their	PRON
ajfa-7687	38	22	smaller	small	ADJ
ajfa-7687	38	23	counterparts	counterpart	NOUN
ajfa-7687	38	24	.	.	PUNCT
ajfa-7687	39	1	hu	hu	PROPN
ajfa-7687	39	2	et	et	PROPN
ajfa-7687	39	3	al	al	PROPN
ajfa-7687	39	4	.	.	PROPN
ajfa-7687	40	1	(	(	PUNCT
ajfa-7687	40	2	2004	2004	NUM
ajfa-7687	40	3	)	)	PUNCT
ajfa-7687	40	4	also	also	ADV
ajfa-7687	40	5	found	find	VERB
ajfa-7687	40	6	that	that	SCONJ
ajfa-7687	40	7	the	the	DET
ajfa-7687	40	8	banks	bank	NOUN
ajfa-7687	40	9	with	with	ADP
ajfa-7687	40	10	higher	high	ADJ
ajfa-7687	40	11	government	government	NOUN
ajfa-7687	40	12	ownership	ownership	NOUN
ajfa-7687	40	13	recorded	record	VERB
ajfa-7687	40	14	lower	low	ADJ
ajfa-7687	40	15	non	non	ADJ
ajfa-7687	40	16	-	-	ADJ
ajfa-7687	40	17	performing	perform	VERB
ajfa-7687	40	18	loans	loan	NOUN
ajfa-7687	40	19	.	.	PUNCT
ajfa-7687	41	1	2.2	2.2	NUM
ajfa-7687	41	2	empirical	empirical	ADJ
ajfa-7687	41	3	studies	study	NOUN
ajfa-7687	41	4	using	use	VERB
ajfa-7687	41	5	dynamic	dynamic	ADJ
ajfa-7687	41	6	econometric	econometric	ADJ
ajfa-7687	41	7	models	model	NOUN
ajfa-7687	41	8	at	at	ADP
ajfa-7687	41	9	this	this	DET
ajfa-7687	41	10	point	point	NOUN
ajfa-7687	41	11	we	we	PRON
ajfa-7687	41	12	must	must	AUX
ajfa-7687	41	13	stress	stress	VERB
ajfa-7687	41	14	,	,	PUNCT
ajfa-7687	41	15	that	that	SCONJ
ajfa-7687	41	16	the	the	DET
ajfa-7687	41	17	above	above	ADJ
ajfa-7687	41	18	studies	study	NOUN
ajfa-7687	41	19	do	do	AUX
ajfa-7687	41	20	not	not	PART
ajfa-7687	41	21	take	take	VERB
ajfa-7687	41	22	into	into	ADP
ajfa-7687	41	23	account	account	NOUN
ajfa-7687	41	24	the	the	DET
ajfa-7687	41	25	dynamism	dynamism	NOUN
ajfa-7687	41	26	which	which	PRON
ajfa-7687	41	27	influences	influence	VERB
ajfa-7687	41	28	incidence	incidence	NOUN
ajfa-7687	41	29	of	of	ADP
ajfa-7687	41	30	npas	npa	NOUN
ajfa-7687	41	31	.	.	PUNCT
ajfa-7687	42	1	first	first	ADV
ajfa-7687	42	2	,	,	PUNCT
ajfa-7687	42	3	salas	salas	NOUN
ajfa-7687	42	4	and	and	CCONJ
ajfa-7687	42	5	saurina	saurina	PROPN
ajfa-7687	42	6	(	(	PUNCT
ajfa-7687	42	7	1999b	1999b	NUM
ajfa-7687	42	8	)	)	PUNCT
ajfa-7687	42	9	have	have	AUX
ajfa-7687	42	10	modelled	model	VERB
ajfa-7687	42	11	the	the	DET
ajfa-7687	42	12	problem	problem	NOUN
ajfa-7687	42	13	loans	loan	NOUN
ajfa-7687	42	14	ratio	ratio	NOUN
ajfa-7687	42	15	of	of	ADP
ajfa-7687	42	16	spanish	spanish	ADJ
ajfa-7687	42	17	banks	bank	NOUN
ajfa-7687	42	18	in	in	ADP
ajfa-7687	42	19	order	order	NOUN
ajfa-7687	42	20	to	to	PART
ajfa-7687	42	21	gauge	gauge	VERB
ajfa-7687	42	22	the	the	DET
ajfa-7687	42	23	impact	impact	NOUN
ajfa-7687	42	24	of	of	ADP
ajfa-7687	42	25	loan	loan	NOUN
ajfa-7687	42	26	growth	growth	NOUN
ajfa-7687	42	27	policy	policy	NOUN
ajfa-7687	42	28	on	on	ADP
ajfa-7687	42	29	bad	bad	ADJ
ajfa-7687	42	30	loans	loan	NOUN
ajfa-7687	42	31	.	.	PUNCT
ajfa-7687	43	1	they	they	PRON
ajfa-7687	43	2	were	be	AUX
ajfa-7687	43	3	interested	interested	ADJ
ajfa-7687	43	4	in	in	ADP
ajfa-7687	43	5	capturing	capture	VERB
ajfa-7687	43	6	the	the	DET
ajfa-7687	43	7	lag	lag	NOUN
ajfa-7687	43	8	between	between	ADP
ajfa-7687	43	9	credit	credit	NOUN
ajfa-7687	43	10	expansion	expansion	NOUN
ajfa-7687	43	11	and	and	CCONJ
ajfa-7687	43	12	the	the	DET
ajfa-7687	43	13	emergence	emergence	NOUN
ajfa-7687	43	14	of	of	ADP
ajfa-7687	43	15	problem	problem	NOUN
ajfa-7687	43	16	loans	loan	NOUN
ajfa-7687	43	17	.	.	PUNCT
ajfa-7687	44	1	using	use	VERB
ajfa-7687	44	2	panel	panel	NOUN
ajfa-7687	44	3	data	datum	NOUN
ajfa-7687	44	4	,	,	PUNCT
ajfa-7687	44	5	they	they	PRON
ajfa-7687	44	6	compared	compare	VERB
ajfa-7687	44	7	the	the	DET
ajfa-7687	44	8	determinants	determinant	NOUN
ajfa-7687	44	9	of	of	ADP
ajfa-7687	44	10	problem	problem	NOUN
ajfa-7687	44	11	loans	loan	NOUN
ajfa-7687	44	12	of	of	ADP
ajfa-7687	44	13	spanish	spanish	ADJ
ajfa-7687	44	14	commercial	commercial	ADJ
ajfa-7687	44	15	and	and	CCONJ
ajfa-7687	44	16	savings	saving	NOUN
ajfa-7687	44	17	banks	bank	NOUN
ajfa-7687	44	18	in	in	ADP
ajfa-7687	44	19	the	the	DET
ajfa-7687	44	20	period	period	NOUN
ajfa-7687	44	21	1985–1997	1985–1997	NUM
ajfa-7687	44	22	,	,	PUNCT
ajfa-7687	44	23	taking	take	VERB
ajfa-7687	44	24	into	into	ADP
ajfa-7687	44	25	account	account	NOUN
ajfa-7687	44	26	both	both	CCONJ
ajfa-7687	44	27	macroeconomic	macroeconomic	ADJ
ajfa-7687	44	28	and	and	CCONJ
ajfa-7687	44	29	individual	individual	ADJ
ajfa-7687	44	30	bank	bank	NOUN
ajfa-7687	44	31	level	level	NOUN
ajfa-7687	44	32	variables	variable	NOUN
ajfa-7687	44	33	.	.	PUNCT
ajfa-7687	45	1	the	the	DET
ajfa-7687	45	2	gdp	gdp	NOUN
ajfa-7687	45	3	growth	growth	NOUN
ajfa-7687	45	4	rate	rate	NOUN
ajfa-7687	45	5	,	,	PUNCT
ajfa-7687	45	6	firms	firm	NOUN
ajfa-7687	45	7	,	,	PUNCT
ajfa-7687	45	8	and	and	CCONJ
ajfa-7687	45	9	family	family	NOUN
ajfa-7687	45	10	indebtedness	indebtedness	NOUN
ajfa-7687	45	11	,	,	PUNCT
ajfa-7687	45	12	rapid	rapid	ADJ
ajfa-7687	45	13	past	past	ADJ
ajfa-7687	45	14	credit	credit	NOUN
ajfa-7687	45	15	or	or	CCONJ
ajfa-7687	45	16	branch	branch	NOUN
ajfa-7687	45	17	expansion	expansion	NOUN
ajfa-7687	45	18	,	,	PUNCT
ajfa-7687	45	19	inefficiency	inefficiency	NOUN
ajfa-7687	45	20	,	,	PUNCT
ajfa-7687	45	21	portfolio	portfolio	NOUN
ajfa-7687	45	22	composition	composition	NOUN
ajfa-7687	45	23	,	,	PUNCT
ajfa-7687	45	24	size	size	NOUN
ajfa-7687	45	25	,	,	PUNCT
ajfa-7687	45	26	net	net	ADJ
ajfa-7687	45	27	interest	interest	NOUN
ajfa-7687	45	28	margin	margin	NOUN
ajfa-7687	45	29	,	,	PUNCT
ajfa-7687	45	30	capital	capital	NOUN
ajfa-7687	45	31	ratio	ratio	NOUN
ajfa-7687	45	32	,	,	PUNCT
ajfa-7687	45	33	and	and	CCONJ
ajfa-7687	45	34	market	market	NOUN
ajfa-7687	45	35	power	power	NOUN
ajfa-7687	45	36	are	be	AUX
ajfa-7687	45	37	variables	variable	NOUN
ajfa-7687	45	38	that	that	PRON
ajfa-7687	45	39	explain	explain	VERB
ajfa-7687	45	40	credit	credit	NOUN
ajfa-7687	45	41	risk	risk	NOUN
ajfa-7687	45	42	.	.	PUNCT
ajfa-7687	46	1	however	however	ADV
ajfa-7687	46	2	,	,	PUNCT
ajfa-7687	46	3	there	there	PRON
ajfa-7687	46	4	are	be	VERB
ajfa-7687	46	5	significant	significant	ADJ
ajfa-7687	46	6	differences	difference	NOUN
ajfa-7687	46	7	between	between	ADP
ajfa-7687	46	8	commercial	commercial	ADJ
ajfa-7687	46	9	and	and	CCONJ
ajfa-7687	46	10	savings	saving	NOUN
ajfa-7687	46	11	banks	bank	NOUN
ajfa-7687	46	12	,	,	PUNCT
ajfa-7687	46	13	which	which	PRON
ajfa-7687	46	14	confirm	confirm	VERB
ajfa-7687	46	15	the	the	DET
ajfa-7687	46	16	relevance	relevance	NOUN
ajfa-7687	46	17	of	of	ADP
ajfa-7687	46	18	the	the	DET
ajfa-7687	46	19	institutional	institutional	ADJ
ajfa-7687	46	20	form	form	NOUN
ajfa-7687	46	21	in	in	ADP
ajfa-7687	46	22	the	the	DET
ajfa-7687	46	23	management	management	NOUN
ajfa-7687	46	24	of	of	ADP
ajfa-7687	46	25	credit	credit	NOUN
ajfa-7687	46	26	risk	risk	NOUN
ajfa-7687	46	27	.	.	PUNCT
ajfa-7687	47	1	their	their	PRON
ajfa-7687	47	2	findings	finding	NOUN
ajfa-7687	47	3	raise	raise	VERB
ajfa-7687	47	4	important	important	ADJ
ajfa-7687	47	5	bank	bank	NOUN
ajfa-7687	47	6	supervisory	supervisory	ADJ
ajfa-7687	47	7	policy	policy	NOUN
ajfa-7687	47	8	issues	issue	NOUN
ajfa-7687	47	9	:	:	PUNCT
ajfa-7687	47	10	the	the	DET
ajfa-7687	47	11	use	use	NOUN
ajfa-7687	47	12	of	of	ADP
ajfa-7687	47	13	bank	bank	NOUN
ajfa-7687	47	14	level	level	NOUN
ajfa-7687	47	15	variables	variable	NOUN
ajfa-7687	47	16	as	as	ADP
ajfa-7687	47	17	early	early	ADJ
ajfa-7687	47	18	warning	warning	NOUN
ajfa-7687	47	19	indicators	indicator	NOUN
ajfa-7687	47	20	,	,	PUNCT
ajfa-7687	47	21	the	the	DET
ajfa-7687	47	22	advantages	advantage	NOUN
ajfa-7687	47	23	of	of	ADP
ajfa-7687	47	24	bank	bank	NOUN
ajfa-7687	47	25	mergers	merger	NOUN
ajfa-7687	47	26	from	from	ADP
ajfa-7687	47	27	different	different	ADJ
ajfa-7687	47	28	regions	region	NOUN
ajfa-7687	47	29	,	,	PUNCT
ajfa-7687	47	30	and	and	CCONJ
ajfa-7687	47	31	the	the	DET
ajfa-7687	47	32	role	role	NOUN
ajfa-7687	47	33	of	of	ADP
ajfa-7687	47	34	banking	banking	NOUN
ajfa-7687	47	35	competition	competition	NOUN
ajfa-7687	47	36	and	and	CCONJ
ajfa-7687	47	37	ownership	ownership	NOUN
ajfa-7687	47	38	in	in	ADP
ajfa-7687	47	39	determining	determine	VERB
ajfa-7687	47	40	credit	credit	NOUN
ajfa-7687	47	41	risk	risk	NOUN
ajfa-7687	47	42	.	.	PUNCT
ajfa-7687	48	1	das	das	PROPN
ajfa-7687	48	2	and	and	CCONJ
ajfa-7687	48	3	ghosh	ghosh	PROPN
ajfa-7687	48	4	(	(	PUNCT
ajfa-7687	48	5	2007	2007	NUM
ajfa-7687	48	6	)	)	PUNCT
ajfa-7687	48	7	examined	examine	VERB
ajfa-7687	48	8	the	the	DET
ajfa-7687	48	9	factors	factor	NOUN
ajfa-7687	48	10	affecting	affect	VERB
ajfa-7687	48	11	problem	problem	NOUN
ajfa-7687	48	12	loans	loan	NOUN
ajfa-7687	48	13	of	of	ADP
ajfa-7687	48	14	indian	indian	ADJ
ajfa-7687	48	15	state	state	NOUN
ajfa-7687	48	16	owned	own	VERB
ajfa-7687	48	17	banks	bank	NOUN
ajfa-7687	48	18	for	for	ADP
ajfa-7687	48	19	the	the	DET
ajfa-7687	48	20	period	period	NOUN
ajfa-7687	48	21	1994	1994	NUM
ajfa-7687	48	22	-	-	SYM
ajfa-7687	48	23	2005	2005	NUM
ajfa-7687	48	24	,	,	PUNCT
ajfa-7687	48	25	considering	consider	VERB
ajfa-7687	48	26	dependent	dependent	ADJ
ajfa-7687	48	27	lagged	lag	VERB
ajfa-7687	48	28	variable	variable	NOUN
ajfa-7687	48	29	,	,	PUNCT
ajfa-7687	48	30	macro	macro	NOUN
ajfa-7687	48	31	and	and	CCONJ
ajfa-7687	48	32	bank	bank	NOUN
ajfa-7687	48	33	specific	specific	ADJ
ajfa-7687	48	34	variables	variable	NOUN
ajfa-7687	48	35	influencing	influence	VERB
ajfa-7687	48	36	npas	npa	NOUN
ajfa-7687	48	37	.	.	PUNCT
ajfa-7687	49	1	they	they	PRON
ajfa-7687	49	2	found	find	VERB
ajfa-7687	49	3	that	that	SCONJ
ajfa-7687	49	4	gdp	gdp	NOUN
ajfa-7687	49	5	growth	growth	NOUN
ajfa-7687	49	6	rate	rate	NOUN
ajfa-7687	49	7	at	at	ADP
ajfa-7687	49	8	macro	macro	ADJ
ajfa-7687	49	9	level	level	NOUN
ajfa-7687	49	10	and	and	CCONJ
ajfa-7687	49	11	loan	loan	NOUN
ajfa-7687	49	12	growth	growth	NOUN
ajfa-7687	49	13	rate	rate	NOUN
ajfa-7687	49	14	,	,	PUNCT
ajfa-7687	49	15	operating	operating	NOUN
ajfa-7687	49	16	expenses	expense	NOUN
ajfa-7687	49	17	and	and	CCONJ
ajfa-7687	49	18	bank	bank	NOUN
ajfa-7687	49	19	size	size	NOUN
ajfa-7687	49	20	at	at	ADP
ajfa-7687	49	21	bank	bank	NOUN
ajfa-7687	49	22	level	level	NOUN
ajfa-7687	49	23	play	play	VERB
ajfa-7687	49	24	an	an	DET
ajfa-7687	49	25	important	important	ADJ
ajfa-7687	49	26	role	role	NOUN
ajfa-7687	49	27	in	in	ADP
ajfa-7687	49	28	influencing	influence	VERB
ajfa-7687	49	29	problem	problem	NOUN
ajfa-7687	49	30	loans	loan	NOUN
ajfa-7687	49	31	.	.	PUNCT
ajfa-7687	50	1	thiagarajan	thiagarajan	NOUN
ajfa-7687	50	2	et	et	PROPN
ajfa-7687	50	3	al	al	PROPN
ajfa-7687	50	4	(	(	PUNCT
ajfa-7687	50	5	2011	2011	NUM
ajfa-7687	50	6	)	)	PUNCT
ajfa-7687	50	7	,	,	PUNCT
ajfa-7687	50	8	carried	carry	VERB
ajfa-7687	50	9	out	out	ADP
ajfa-7687	50	10	a	a	DET
ajfa-7687	50	11	study	study	NOUN
ajfa-7687	50	12	to	to	PART
ajfa-7687	50	13	predict	predict	VERB
ajfa-7687	50	14	the	the	DET
ajfa-7687	50	15	determinants	determinant	NOUN
ajfa-7687	50	16	of	of	ADP
ajfa-7687	50	17	the	the	DET
ajfa-7687	50	18	credit	credit	NOUN
ajfa-7687	50	19	risk	risk	NOUN
ajfa-7687	50	20	in	in	ADP
ajfa-7687	50	21	the	the	DET
ajfa-7687	50	22	indian	indian	ADJ
ajfa-7687	50	23	commercial	commercial	ADJ
ajfa-7687	50	24	banking	banking	NOUN
ajfa-7687	50	25	sector	sector	NOUN
ajfa-7687	50	26	by	by	ADP
ajfa-7687	50	27	using	use	VERB
ajfa-7687	50	28	an	an	DET
ajfa-7687	50	29	econometric	econometric	ADJ
ajfa-7687	50	30	model	model	NOUN
ajfa-7687	50	31	by	by	ADP
ajfa-7687	50	32	utilizing	utilize	VERB
ajfa-7687	50	33	a	a	DET
ajfa-7687	50	34	panel	panel	NOUN
ajfa-7687	50	35	asian	asian	ADJ
ajfa-7687	50	36	journal	journal	NOUN
ajfa-7687	50	37	of	of	ADP
ajfa-7687	50	38	finance	finance	PROPN
ajfa-7687	50	39	&	&	CCONJ
ajfa-7687	50	40	accounting	accounting	PROPN
ajfa-7687	50	41	issn	issn	PROPN
ajfa-7687	50	42	1946	1946	NUM
ajfa-7687	50	43	-	-	PUNCT
ajfa-7687	50	44	052x	052x	NOUN
ajfa-7687	50	45	2015	2015	NUM
ajfa-7687	50	46	,	,	PUNCT
ajfa-7687	50	47	vol	vol	NOUN
ajfa-7687	50	48	.	.	PROPN
ajfa-7687	51	1	7	7	NUM
ajfa-7687	51	2	,	,	PUNCT
ajfa-7687	51	3	no	no	INTJ
ajfa-7687	51	4	.	.	NOUN
ajfa-7687	51	5	1	1	NUM
ajfa-7687	51	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	51	7	186	186	NUM
ajfa-7687	51	8	data	datum	NOUN
ajfa-7687	51	9	at	at	ADP
ajfa-7687	51	10	bank	bank	NOUN
ajfa-7687	51	11	level	level	NOUN
ajfa-7687	51	12	for	for	ADP
ajfa-7687	51	13	22	22	NUM
ajfa-7687	51	14	public	public	ADJ
ajfa-7687	51	15	sector	sector	NOUN
ajfa-7687	51	16	banks	bank	NOUN
ajfa-7687	51	17	and	and	CCONJ
ajfa-7687	51	18	15	15	NUM
ajfa-7687	51	19	private	private	ADJ
ajfa-7687	51	20	sector	sector	NOUN
ajfa-7687	51	21	banks	bank	NOUN
ajfa-7687	51	22	.	.	PUNCT
ajfa-7687	52	1	they	they	PRON
ajfa-7687	52	2	have	have	AUX
ajfa-7687	52	3	shown	show	VERB
ajfa-7687	52	4	that	that	SCONJ
ajfa-7687	52	5	the	the	DET
ajfa-7687	52	6	lagged	lag	VERB
ajfa-7687	52	7	non	non	ADJ
ajfa-7687	52	8	-	-	ADJ
ajfa-7687	52	9	performing	perform	VERB
ajfa-7687	52	10	assets	asset	NOUN
ajfa-7687	52	11	had	have	VERB
ajfa-7687	52	12	a	a	DET
ajfa-7687	52	13	strong	strong	ADJ
ajfa-7687	52	14	and	and	CCONJ
ajfa-7687	52	15	statistically	statistically	ADV
ajfa-7687	52	16	significant	significant	ADJ
ajfa-7687	52	17	positive	positive	ADJ
ajfa-7687	52	18	influence	influence	NOUN
ajfa-7687	52	19	on	on	ADP
ajfa-7687	52	20	the	the	DET
ajfa-7687	52	21	current	current	ADJ
ajfa-7687	52	22	non	non	ADJ
ajfa-7687	52	23	-	-	ADJ
ajfa-7687	52	24	performing	perform	VERB
ajfa-7687	52	25	assets	asset	NOUN
ajfa-7687	52	26	.	.	PUNCT
ajfa-7687	53	1	there	there	PRON
ajfa-7687	53	2	is	be	VERB
ajfa-7687	53	3	a	a	DET
ajfa-7687	53	4	significant	significant	ADJ
ajfa-7687	53	5	inverse	inverse	NOUN
ajfa-7687	53	6	relationship	relationship	NOUN
ajfa-7687	53	7	between	between	ADP
ajfa-7687	53	8	the	the	DET
ajfa-7687	53	9	gdp	gdp	NOUN
ajfa-7687	53	10	and	and	CCONJ
ajfa-7687	53	11	the	the	DET
ajfa-7687	53	12	credit	credit	NOUN
ajfa-7687	53	13	risk	risk	NOUN
ajfa-7687	53	14	for	for	ADP
ajfa-7687	53	15	both	both	CCONJ
ajfa-7687	53	16	public	public	ADJ
ajfa-7687	53	17	and	and	CCONJ
ajfa-7687	53	18	private	private	ADJ
ajfa-7687	53	19	sector	sector	NOUN
ajfa-7687	53	20	banks	bank	NOUN
ajfa-7687	53	21	.	.	PUNCT
ajfa-7687	54	1	in	in	ADP
ajfa-7687	54	2	conclusion	conclusion	NOUN
ajfa-7687	54	3	,	,	PUNCT
ajfa-7687	54	4	the	the	DET
ajfa-7687	54	5	studies	study	NOUN
ajfa-7687	54	6	which	which	PRON
ajfa-7687	54	7	are	be	AUX
ajfa-7687	54	8	focused	focus	VERB
ajfa-7687	54	9	on	on	ADP
ajfa-7687	54	10	factors	factor	NOUN
ajfa-7687	54	11	influencing	influence	VERB
ajfa-7687	54	12	the	the	DET
ajfa-7687	54	13	problem	problem	NOUN
ajfa-7687	54	14	loans	loan	NOUN
ajfa-7687	54	15	of	of	ADP
ajfa-7687	54	16	banks	bank	NOUN
ajfa-7687	54	17	,	,	PUNCT
ajfa-7687	54	18	using	use	VERB
ajfa-7687	54	19	static	static	ADJ
ajfa-7687	54	20	or	or	CCONJ
ajfa-7687	54	21	dynamic	dynamic	ADJ
ajfa-7687	54	22	models	model	NOUN
ajfa-7687	54	23	are	be	AUX
ajfa-7687	54	24	numerous	numerous	ADJ
ajfa-7687	54	25	.	.	PUNCT
ajfa-7687	55	1	for	for	ADP
ajfa-7687	55	2	this	this	DET
ajfa-7687	55	3	reason	reason	NOUN
ajfa-7687	55	4	,	,	PUNCT
ajfa-7687	55	5	the	the	DET
ajfa-7687	55	6	following	follow	VERB
ajfa-7687	55	7	table	table	NOUN
ajfa-7687	55	8	presents	present	VERB
ajfa-7687	55	9	some	some	DET
ajfa-7687	55	10	empirical	empirical	ADJ
ajfa-7687	55	11	studies	study	NOUN
ajfa-7687	55	12	and	and	CCONJ
ajfa-7687	55	13	the	the	DET
ajfa-7687	55	14	factors	factor	NOUN
ajfa-7687	55	15	which	which	PRON
ajfa-7687	55	16	are	be	AUX
ajfa-7687	55	17	identified	identify	VERB
ajfa-7687	55	18	as	as	ADP
ajfa-7687	55	19	responsible	responsible	ADJ
ajfa-7687	55	20	for	for	ADP
ajfa-7687	55	21	the	the	DET
ajfa-7687	55	22	problem	problem	NOUN
ajfa-7687	55	23	loans	loan	NOUN
ajfa-7687	55	24	.	.	PUNCT
ajfa-7687	56	1	table	table	NOUN
ajfa-7687	56	2	1	1	NUM
ajfa-7687	56	3	.	.	PUNCT
ajfa-7687	57	1	problem	problem	NOUN
ajfa-7687	57	2	loans	loan	NOUN
ajfa-7687	57	3	determinants	determinant	NOUN
ajfa-7687	57	4	proportion	proportion	NOUN
ajfa-7687	57	5	of	of	ADP
ajfa-7687	57	6	priority	priority	NOUN
ajfa-7687	57	7	sector	sector	NOUN
ajfa-7687	57	8	advances	advance	NOUN
ajfa-7687	57	9	in	in	ADP
ajfa-7687	57	10	advances	advance	NOUN
ajfa-7687	57	11	rajaraman	rajaraman	NOUN
ajfa-7687	57	12	,	,	PUNCT
ajfa-7687	57	13	bhaumik	bhaumik	NOUN
ajfa-7687	57	14	and	and	CCONJ
ajfa-7687	57	15	bhatia	bhatia	PROPN
ajfa-7687	57	16	(	(	PUNCT
ajfa-7687	57	17	1999	1999	NUM
ajfa-7687	57	18	)	)	PUNCT
ajfa-7687	57	19	,	,	PUNCT
ajfa-7687	57	20	rajaraman	rajaraman	NOUN
ajfa-7687	57	21	and	and	CCONJ
ajfa-7687	57	22	vasishtha	vasishtha	PROPN
ajfa-7687	57	23	(	(	PUNCT
ajfa-7687	57	24	2002	2002	NUM
ajfa-7687	57	25	)	)	PUNCT
ajfa-7687	57	26	,	,	PUNCT
ajfa-7687	57	27	ranjan	ranjan	NOUN
ajfa-7687	57	28	and	and	CCONJ
ajfa-7687	57	29	dhal	dhal	NOUN
ajfa-7687	57	30	(	(	PUNCT
ajfa-7687	57	31	2003	2003	NUM
ajfa-7687	57	32	)	)	PUNCT
ajfa-7687	57	33	,	,	PUNCT
ajfa-7687	57	34	chaudhury	chaudhury	NOUN
ajfa-7687	57	35	and	and	CCONJ
ajfa-7687	57	36	sensarma	sensarma	PROPN
ajfa-7687	57	37	(	(	PUNCT
ajfa-7687	57	38	2006	2006	NUM
ajfa-7687	57	39	)	)	PUNCT
ajfa-7687	57	40	.	.	PUNCT
ajfa-7687	58	1	das	das	PROPN
ajfa-7687	58	2	and	and	CCONJ
ajfa-7687	58	3	ghosh	ghosh	PROPN
ajfa-7687	58	4	(	(	PUNCT
ajfa-7687	58	5	2007	2007	NUM
ajfa-7687	58	6	)	)	PUNCT
ajfa-7687	58	7	,	,	PUNCT
ajfa-7687	58	8	thiagarajan	thiagarajan	NOUN
ajfa-7687	58	9	et	et	PROPN
ajfa-7687	58	10	al	al	PROPN
ajfa-7687	58	11	(	(	PUNCT
ajfa-7687	58	12	2011	2011	NUM
ajfa-7687	58	13	)	)	PUNCT
ajfa-7687	58	14	size	size	NOUN
ajfa-7687	58	15	chaudhury	chaudhury	NOUN
ajfa-7687	58	16	and	and	CCONJ
ajfa-7687	58	17	sensarma	sensarma	PROPN
ajfa-7687	58	18	(	(	PUNCT
ajfa-7687	58	19	2006	2006	NUM
ajfa-7687	58	20	)	)	PUNCT
ajfa-7687	58	21	,	,	PUNCT
ajfa-7687	58	22	salas	salas	NOUN
ajfa-7687	58	23	and	and	CCONJ
ajfa-7687	58	24	saurina	saurina	PROPN
ajfa-7687	58	25	(	(	PUNCT
ajfa-7687	58	26	1999b	1999b	NUM
ajfa-7687	58	27	)	)	PUNCT
ajfa-7687	58	28	,	,	PUNCT
ajfa-7687	58	29	espinoza	espinoza	PROPN
ajfa-7687	58	30	r	r	PROPN
ajfa-7687	58	31	and	and	CCONJ
ajfa-7687	58	32	prasad	prasad	PROPN
ajfa-7687	58	33	a	a	DET
ajfa-7687	58	34	(	(	PUNCT
ajfa-7687	58	35	2010	2010	NUM
ajfa-7687	58	36	)	)	PUNCT
ajfa-7687	58	37	,	,	PUNCT
ajfa-7687	58	38	hu	hu	PROPN
ajfa-7687	58	39	.	.	PUNCT
ajfa-7687	58	40	j.	j.	PROPN
ajfa-7687	58	41	,	,	PUNCT
ajfa-7687	58	42	y.	y.	PROPN
ajfa-7687	58	43	li	li	PROPN
ajfa-7687	58	44	and	and	CCONJ
ajfa-7687	58	45	y.	y.	PROPN
ajfa-7687	58	46	,	,	PUNCT
ajfa-7687	58	47	chiu	chiu	PROPN
ajfa-7687	58	48	(	(	PUNCT
ajfa-7687	58	49	2004	2004	NUM
ajfa-7687	58	50	)	)	PUNCT
ajfa-7687	58	51	loan	loan	NOUN
ajfa-7687	58	52	growth	growth	NOUN
ajfa-7687	58	53	chaudhury	chaudhury	NOUN
ajfa-7687	58	54	and	and	CCONJ
ajfa-7687	58	55	sensarma	sensarma	NOUN
ajfa-7687	58	56	(	(	PUNCT
ajfa-7687	58	57	2006	2006	NUM
ajfa-7687	58	58	)	)	PUNCT
ajfa-7687	58	59	,	,	PUNCT
ajfa-7687	58	60	salas	salas	NOUN
ajfa-7687	58	61	and	and	CCONJ
ajfa-7687	58	62	saurina	saurina	PROPN
ajfa-7687	58	63	(	(	PUNCT
ajfa-7687	58	64	1999b	1999b	NUM
ajfa-7687	58	65	)	)	PUNCT
ajfa-7687	58	66	,	,	PUNCT
ajfa-7687	58	67	espinoza	espinoza	PROPN
ajfa-7687	58	68	r	r	PROPN
ajfa-7687	58	69	and	and	CCONJ
ajfa-7687	58	70	prasad	prasad	PROPN
ajfa-7687	58	71	a	a	DET
ajfa-7687	58	72	(	(	PUNCT
ajfa-7687	58	73	2010	2010	NUM
ajfa-7687	58	74	)	)	PUNCT
ajfa-7687	58	75	,	,	PUNCT
ajfa-7687	58	76	operating	operate	VERB
ajfa-7687	58	77	expense	expense	NOUN
ajfa-7687	58	78	ratio	ratio	NOUN
ajfa-7687	58	79	chaudhury	chaudhury	NOUN
ajfa-7687	58	80	and	and	CCONJ
ajfa-7687	58	81	sensarma	sensarma	PROPN
ajfa-7687	58	82	(	(	PUNCT
ajfa-7687	58	83	2006	2006	NUM
ajfa-7687	58	84	)	)	PUNCT
ajfa-7687	58	85	,	,	PUNCT
ajfa-7687	58	86	salas	salas	NOUN
ajfa-7687	58	87	and	and	CCONJ
ajfa-7687	58	88	saurina	saurina	PROPN
ajfa-7687	58	89	(	(	PUNCT
ajfa-7687	58	90	1999b	1999b	NUM
ajfa-7687	58	91	)	)	PUNCT
ajfa-7687	58	92	,	,	PUNCT
ajfa-7687	58	93	espinoza	espinoza	PROPN
ajfa-7687	58	94	r	r	PROPN
ajfa-7687	58	95	and	and	CCONJ
ajfa-7687	58	96	prasad	prasad	PROPN
ajfa-7687	58	97	a	a	DET
ajfa-7687	58	98	(	(	PUNCT
ajfa-7687	58	99	2010	2010	NUM
ajfa-7687	58	100	)	)	PUNCT
ajfa-7687	58	101	gnp	gnp	PROPN
ajfa-7687	58	102	growth	growth	NOUN
ajfa-7687	58	103	salas	salas	PROPN
ajfa-7687	58	104	and	and	CCONJ
ajfa-7687	58	105	saurina	saurina	PROPN
ajfa-7687	58	106	(	(	PUNCT
ajfa-7687	58	107	1999b	1999b	NUM
ajfa-7687	58	108	)	)	PUNCT
ajfa-7687	58	109	,	,	PUNCT
ajfa-7687	58	110	fernandez	fernandez	PROPN
ajfa-7687	58	111	de	de	X
ajfa-7687	58	112	lis	lis	PROPN
ajfa-7687	58	113	et	et	NOUN
ajfa-7687	58	114	al	al	PROPN
ajfa-7687	58	115	,	,	PUNCT
ajfa-7687	58	116	(	(	PUNCT
ajfa-7687	58	117	2000	2000	NUM
ajfa-7687	58	118	)	)	PUNCT
ajfa-7687	58	119	,	,	PUNCT
ajfa-7687	58	120	chaudhury	chaudhury	NOUN
ajfa-7687	58	121	and	and	CCONJ
ajfa-7687	58	122	sensarma	sensarma	PROPN
ajfa-7687	58	123	(	(	PUNCT
ajfa-7687	58	124	2006	2006	NUM
ajfa-7687	58	125	)	)	PUNCT
ajfa-7687	58	126	,	,	PUNCT
ajfa-7687	58	127	roa	roa	PROPN
ajfa-7687	58	128	chaudhury	chaudhury	PROPN
ajfa-7687	58	129	and	and	CCONJ
ajfa-7687	58	130	sensarma	sensarma	PROPN
ajfa-7687	58	131	(	(	PUNCT
ajfa-7687	58	132	2006	2006	NUM
ajfa-7687	58	133	)	)	PUNCT
ajfa-7687	58	134	,	,	PUNCT
ajfa-7687	58	135	car	car	NOUN
ajfa-7687	58	136	lyoha	lyoha	NOUN
ajfa-7687	58	137	and	and	CCONJ
ajfa-7687	58	138	udegbunam	udegbunam	PROPN
ajfa-7687	58	139	(	(	PUNCT
ajfa-7687	58	140	1999	1999	NUM
ajfa-7687	58	141	)	)	PUNCT
ajfa-7687	58	142	,	,	PUNCT
ajfa-7687	58	143	chaudhury	chaudhury	NOUN
ajfa-7687	58	144	and	and	CCONJ
ajfa-7687	58	145	sensarma	sensarma	PROPN
ajfa-7687	58	146	(	(	PUNCT
ajfa-7687	58	147	2006	2006	NUM
ajfa-7687	58	148	)	)	PUNCT
ajfa-7687	58	149	ownership	ownership	NOUN
ajfa-7687	58	150	effects	effect	NOUN
ajfa-7687	58	151	hu	hu	PROPN
ajfa-7687	58	152	.	.	PUNCT
ajfa-7687	59	1	j.	j.	PROPN
ajfa-7687	59	2	,	,	PUNCT
ajfa-7687	59	3	y.	y.	PROPN
ajfa-7687	59	4	li	li	PROPN
ajfa-7687	59	5	and	and	CCONJ
ajfa-7687	59	6	y.	y.	PROPN
ajfa-7687	59	7	,	,	PUNCT
ajfa-7687	59	8	chiu	chiu	PROPN
ajfa-7687	59	9	,	,	PUNCT
ajfa-7687	59	10	2004	2004	NUM
ajfa-7687	59	11	,	,	PUNCT
ajfa-7687	59	12	chaudhury	chaudhury	NOUN
ajfa-7687	59	13	and	and	CCONJ
ajfa-7687	59	14	sensarma	sensarma	PROPN
ajfa-7687	59	15	(	(	PUNCT
ajfa-7687	59	16	2006	2006	NUM
ajfa-7687	59	17	)	)	PUNCT
ajfa-7687	59	18	,	,	PUNCT
ajfa-7687	59	19	das	das	PROPN
ajfa-7687	59	20	and	and	CCONJ
ajfa-7687	59	21	ghosh	ghosh	PROPN
ajfa-7687	59	22	(	(	PUNCT
ajfa-7687	59	23	2007	2007	NUM
ajfa-7687	59	24	)	)	PUNCT
ajfa-7687	59	25	though	though	SCONJ
ajfa-7687	59	26	significant	significant	ADJ
ajfa-7687	59	27	research	research	NOUN
ajfa-7687	59	28	was	be	AUX
ajfa-7687	59	29	undertaken	undertake	VERB
ajfa-7687	59	30	to	to	PART
ajfa-7687	59	31	understand	understand	VERB
ajfa-7687	59	32	problem	problem	NOUN
ajfa-7687	59	33	loans	loan	NOUN
ajfa-7687	59	34	,	,	PUNCT
ajfa-7687	59	35	impact	impact	NOUN
ajfa-7687	59	36	of	of	ADP
ajfa-7687	59	37	global	global	ADJ
ajfa-7687	59	38	financial	financial	ADJ
ajfa-7687	59	39	crisis	crisis	NOUN
ajfa-7687	59	40	on	on	ADP
ajfa-7687	59	41	problem	problem	NOUN
ajfa-7687	59	42	loans	loan	NOUN
ajfa-7687	59	43	in	in	ADP
ajfa-7687	59	44	indian	indian	ADJ
ajfa-7687	59	45	context	context	NOUN
ajfa-7687	59	46	is	be	AUX
ajfa-7687	59	47	untouched	untouched	ADJ
ajfa-7687	59	48	.	.	PUNCT
ajfa-7687	60	1	further	far	ADV
ajfa-7687	60	2	,	,	PUNCT
ajfa-7687	60	3	impact	impact	NOUN
ajfa-7687	60	4	of	of	ADP
ajfa-7687	60	5	bank	bank	NOUN
ajfa-7687	60	6	-	-	PUNCT
ajfa-7687	60	7	specific	specific	ADJ
ajfa-7687	60	8	and	and	CCONJ
ajfa-7687	60	9	macroeconomic	macroeconomic	ADJ
ajfa-7687	60	10	variables	variable	NOUN
ajfa-7687	60	11	along	along	ADP
ajfa-7687	60	12	with	with	ADP
ajfa-7687	60	13	ownership	ownership	NOUN
ajfa-7687	60	14	of	of	ADP
ajfa-7687	60	15	banks	bank	NOUN
ajfa-7687	60	16	on	on	ADP
ajfa-7687	60	17	npas	npas	PROPN
ajfa-7687	60	18	is	be	AUX
ajfa-7687	60	19	revisited	revisit	VERB
ajfa-7687	60	20	using	use	VERB
ajfa-7687	60	21	latest	late	ADJ
ajfa-7687	60	22	data	datum	NOUN
ajfa-7687	60	23	from	from	ADP
ajfa-7687	60	24	20012012	20012012	NUM
ajfa-7687	60	25	.	.	PUNCT
ajfa-7687	61	1	3	3	X
ajfa-7687	61	2	.	.	X
ajfa-7687	61	3	indian	indian	ADJ
ajfa-7687	61	4	banking	banking	NOUN
ajfa-7687	61	5	industry	industry	NOUN
ajfa-7687	61	6	and	and	CCONJ
ajfa-7687	61	7	problem	problem	NOUN
ajfa-7687	61	8	loans	loan	NOUN
ajfa-7687	61	9	the	the	DET
ajfa-7687	61	10	indian	indian	ADJ
ajfa-7687	61	11	banking	banking	NOUN
ajfa-7687	61	12	system	system	NOUN
ajfa-7687	61	13	is	be	AUX
ajfa-7687	61	14	characterized	characterize	VERB
ajfa-7687	61	15	by	by	ADP
ajfa-7687	61	16	different	different	ADJ
ajfa-7687	61	17	groups	group	NOUN
ajfa-7687	61	18	of	of	ADP
ajfa-7687	61	19	banks	bank	NOUN
ajfa-7687	61	20	categorized	categorize	VERB
ajfa-7687	61	21	into	into	ADP
ajfa-7687	61	22	stateowned	stateowne	VERB
ajfa-7687	61	23	or	or	CCONJ
ajfa-7687	61	24	public	public	ADJ
ajfa-7687	61	25	sectors	sector	NOUN
ajfa-7687	61	26	banks	bank	NOUN
ajfa-7687	61	27	,	,	PUNCT
ajfa-7687	61	28	domestic	domestic	ADJ
ajfa-7687	61	29	private	private	ADJ
ajfa-7687	61	30	banks	bank	NOUN
ajfa-7687	61	31	,	,	PUNCT
ajfa-7687	61	32	and	and	CCONJ
ajfa-7687	61	33	foreign	foreign	ADJ
ajfa-7687	61	34	banks	bank	NOUN
ajfa-7687	61	35	,	,	PUNCT
ajfa-7687	61	36	which	which	PRON
ajfa-7687	61	37	compete	compete	VERB
ajfa-7687	61	38	amongst	amongst	ADP
ajfa-7687	61	39	each	each	DET
ajfa-7687	61	40	other	other	ADJ
ajfa-7687	61	41	in	in	ADP
ajfa-7687	61	42	almost	almost	ADV
ajfa-7687	61	43	all	all	PRON
ajfa-7687	61	44	areas	area	NOUN
ajfa-7687	61	45	of	of	ADP
ajfa-7687	61	46	banking	banking	NOUN
ajfa-7687	61	47	business	business	NOUN
ajfa-7687	61	48	.	.	PUNCT
ajfa-7687	62	1	the	the	DET
ajfa-7687	62	2	state	state	NOUN
ajfa-7687	62	3	-	-	PUNCT
ajfa-7687	62	4	owned	own	VERB
ajfa-7687	62	5	public	public	ADJ
ajfa-7687	62	6	sector	sector	NOUN
ajfa-7687	62	7	banks	bank	NOUN
ajfa-7687	62	8	dominate	dominate	VERB
ajfa-7687	62	9	the	the	DET
ajfa-7687	62	10	banking	banking	NOUN
ajfa-7687	62	11	industry	industry	NOUN
ajfa-7687	62	12	in	in	ADP
ajfa-7687	62	13	terms	term	NOUN
ajfa-7687	62	14	of	of	ADP
ajfa-7687	62	15	presence	presence	NOUN
ajfa-7687	62	16	and	and	CCONJ
ajfa-7687	62	17	asset	asset	NOUN
ajfa-7687	62	18	size	size	NOUN
ajfa-7687	62	19	(	(	PUNCT
ajfa-7687	62	20	chart	chart	NOUN
ajfa-7687	62	21	1	1	NUM
ajfa-7687	62	22	)	)	PUNCT
ajfa-7687	62	23	.	.	PUNCT
ajfa-7687	63	1	however	however	ADV
ajfa-7687	63	2	,	,	PUNCT
ajfa-7687	63	3	the	the	DET
ajfa-7687	63	4	new	new	ADJ
ajfa-7687	63	5	domestic	domestic	ADJ
ajfa-7687	63	6	private	private	ADJ
ajfa-7687	63	7	banks	bank	NOUN
ajfa-7687	63	8	,	,	PUNCT
ajfa-7687	63	9	which	which	PRON
ajfa-7687	63	10	were	be	AUX
ajfa-7687	63	11	set	set	VERB
ajfa-7687	63	12	-	-	PUNCT
ajfa-7687	63	13	up	up	NOUN
ajfa-7687	63	14	in	in	ADP
ajfa-7687	63	15	1995	1995	NUM
ajfa-7687	63	16	subsequent	subsequent	ADJ
ajfa-7687	63	17	to	to	ADP
ajfa-7687	63	18	deregulation	deregulation	NOUN
ajfa-7687	63	19	,	,	PUNCT
ajfa-7687	63	20	have	have	AUX
ajfa-7687	63	21	quickly	quickly	ADV
ajfa-7687	63	22	occupied	occupy	VERB
ajfa-7687	63	23	a	a	DET
ajfa-7687	63	24	significant	significant	ADJ
ajfa-7687	63	25	position	position	NOUN
ajfa-7687	63	26	as	as	SCONJ
ajfa-7687	63	27	compared	compare	VERB
ajfa-7687	63	28	to	to	ADP
ajfa-7687	63	29	the	the	DET
ajfa-7687	63	30	old	old	ADJ
ajfa-7687	63	31	private	private	ADJ
ajfa-7687	63	32	banks	bank	NOUN
ajfa-7687	63	33	(	(	PUNCT
ajfa-7687	63	34	table	table	NOUN
ajfa-7687	63	35	2	2	NUM
ajfa-7687	63	36	)	)	PUNCT
ajfa-7687	63	37	.	.	PUNCT
ajfa-7687	64	1	source	source	NOUN
ajfa-7687	64	2	:	:	PUNCT
ajfa-7687	64	3	r	r	NOUN
ajfa-7687	64	4	signific	signific	ADJ
ajfa-7687	64	5	occupie	occupie	NOUN
ajfa-7687	64	6	table	table	NOUN
ajfa-7687	64	7	2	2	NUM
ajfa-7687	64	8	of	of	ADP
ajfa-7687	64	9	marc	marc	PROPN
ajfa-7687	64	10	yrs	yrs	PROPN
ajfa-7687	64	11	19	19	NUM
ajfa-7687	64	12	g	g	NOUN
ajfa-7687	64	13	roup	roup	NOUN
ajfa-7687	64	14	sbi	sbi	PROPN
ajfa-7687	64	15	8	8	NUM
ajfa-7687	64	16	nb	nb	PROPN
ajfa-7687	64	17	20	20	NUM
ajfa-7687	64	18	opb	opb	PROPN
ajfa-7687	64	19	34	34	NUM
ajfa-7687	64	20	npb	npb	NUM
ajfa-7687	64	21	fb	fb	PROPN
ajfa-7687	64	22	13	13	NUM
ajfa-7687	64	23	scb	scb	NOUN
ajfa-7687	64	24	75	75	NUM
ajfa-7687	64	25	rs	rs	NOUN
ajfa-7687	64	26	crs	crs	PROPN
ajfa-7687	64	27	58	58	NUM
ajfa-7687	64	28	source	source	NOUN
ajfa-7687	64	29	:	:	PUNCT
ajfa-7687	64	30	r	r	NOUN
ajfa-7687	64	31	report	report	NOUN
ajfa-7687	64	32	on	on	ADP
ajfa-7687	64	33	ban	ban	NOUN
ajfa-7687	64	34	ca	can	AUX
ajfa-7687	64	35	nt	not	PART
ajfa-7687	64	36	position	position	VERB
ajfa-7687	64	37	ed	ed	NOUN
ajfa-7687	64	38	a	a	DET
ajfa-7687	64	39	signific	signific	ADJ
ajfa-7687	64	40	2	2	NUM
ajfa-7687	64	41	.	.	PUNCT
ajfa-7687	65	1	no	no	INTJ
ajfa-7687	65	2	.	.	PUNCT
ajfa-7687	66	1	of	of	ADP
ajfa-7687	66	2	ba	ba	PROPN
ajfa-7687	66	3	ch	ch	PROPN
ajfa-7687	66	4	980	980	NUM
ajfa-7687	66	5	n	n	NOUN
ajfa-7687	66	6	o.	o.	NOUN
ajfa-7687	66	7	of	of	ADP
ajfa-7687	66	8	banks	bank	NOUN
ajfa-7687	66	9	%	%	VERB
ajfa-7687	66	10	to	to	PART
ajfa-7687	66	11	total	total	VERB
ajfa-7687	66	12	31.2	31.2	NUM
ajfa-7687	66	13	0	0	NUM
ajfa-7687	66	14	59.1	59.1	NUM
ajfa-7687	66	15	4	4	NUM
ajfa-7687	66	16	4.9	4.9	NUM
ajfa-7687	66	17	----	----	SYM
ajfa-7687	66	18	3	3	NUM
ajfa-7687	66	19	3.8	3.8	NUM
ajfa-7687	66	20	5	5	NUM
ajfa-7687	66	21	100	100	NUM
ajfa-7687	66	22	8,238	8,238	NUM
ajfa-7687	66	23	report	report	NOUN
ajfa-7687	66	24	on	on	ADP
ajfa-7687	66	25	ban	ban	NOUN
ajfa-7687	66	26	0	0	NUM
ajfa-7687	66	27	10	10	NUM
ajfa-7687	66	28	20	20	NUM
ajfa-7687	66	29	30	30	NUM
ajfa-7687	66	30	40	40	NUM
ajfa-7687	66	31	50	50	NUM
ajfa-7687	66	32	60	60	NUM
ajfa-7687	66	33	3	3	NUM
ajfa-7687	66	34	char	char	NOUN
ajfa-7687	66	35	nking	nke	VERB
ajfa-7687	66	36	statistic	statistic	PROPN
ajfa-7687	66	37	n	n	CCONJ
ajfa-7687	66	38	as	as	SCONJ
ajfa-7687	66	39	compar	compar	NOUN
ajfa-7687	66	40	ca	can	AUX
ajfa-7687	66	41	nt	not	PART
ajfa-7687	66	42	position	position	VERB
ajfa-7687	66	43	anks	ank	NOUN
ajfa-7687	66	44	and	and	CCONJ
ajfa-7687	66	45	a	a	DET
ajfa-7687	66	46	1985	1985	NUM
ajfa-7687	66	47	n	n	NOUN
ajfa-7687	66	48	o.	o.	NOUN
ajfa-7687	66	49	of	of	ADP
ajfa-7687	66	50	banks	bank	NOUN
ajfa-7687	67	1	%	%	VERB
ajfa-7687	67	2	to	to	PART
ajfa-7687	67	3	total	total	VERB
ajfa-7687	67	4	8	8	NUM
ajfa-7687	67	5	32.0	32.0	NUM
ajfa-7687	67	6	20	20	NUM
ajfa-7687	67	7	57.8	57.8	NUM
ajfa-7687	67	8	32	32	NUM
ajfa-7687	67	9	4.2	4.2	NUM
ajfa-7687	67	10	---	---	PUNCT
ajfa-7687	67	11	20	20	NUM
ajfa-7687	67	12	4.0	4.0	NUM
ajfa-7687	67	13	80	80	NUM
ajfa-7687	67	14	100	100	NUM
ajfa-7687	67	15	1,36,681	1,36,681	NUM
ajfa-7687	67	16	nking	nke	VERB
ajfa-7687	67	17	statistic	statistic	NOUN
ajfa-7687	67	18	1980	1980	NUM
ajfa-7687	67	19	1990	1990	NUM
ajfa-7687	67	20	31.2	31.2	NUM
ajfa-7687	67	21	33.2	33.2	NUM
ajfa-7687	67	22	29	29	NUM
ajfa-7687	67	23	59.1	59.1	NUM
ajfa-7687	67	24	55.7	55.7	NUM
ajfa-7687	67	25	4	4	NUM
ajfa-7687	67	26	4.9	4.9	NUM
ajfa-7687	67	27	3.3	3.3	NUM
ajfa-7687	67	28	0	0	NUM
ajfa-7687	67	29	0	0	NUM
ajfa-7687	67	30	3.8	3.8	NUM
ajfa-7687	67	31	5	5	NUM
ajfa-7687	67	32	.	.	PUNCT
ajfa-7687	68	1	rt	rt	PROPN
ajfa-7687	68	2	1	1	NUM
ajfa-7687	68	3	.	.	PUNCT
ajfa-7687	69	1	asset	asset	NOUN
ajfa-7687	69	2	s	s	PART
ajfa-7687	69	3	cal	cal	ADJ
ajfa-7687	69	4	returns	return	NOUN
ajfa-7687	69	5	,	,	PUNCT
ajfa-7687	69	6	r	r	NOUN
ajfa-7687	69	7	red	red	NOUN
ajfa-7687	69	8	to	to	ADP
ajfa-7687	69	9	the	the	DET
ajfa-7687	69	10	o	o	NOUN
ajfa-7687	69	11	n	n	CCONJ
ajfa-7687	69	12	as	as	ADP
ajfa-7687	69	13	compar	compar	NOUN
ajfa-7687	69	14	sset	sset	NOUN
ajfa-7687	69	15	structu	structu	PROPN
ajfa-7687	69	16	1990	1990	NUM
ajfa-7687	69	17	n	n	CCONJ
ajfa-7687	69	18	o.	o.	NOUN
ajfa-7687	69	19	of	of	ADP
ajfa-7687	69	20	banks	bank	NOUN
ajfa-7687	69	21	%	%	VERB
ajfa-7687	69	22	to	to	PART
ajfa-7687	69	23	total	total	VERB
ajfa-7687	69	24	8	8	NUM
ajfa-7687	69	25	33	33	NUM
ajfa-7687	69	26	.	.	NOUN
ajfa-7687	69	27	20	20	NUM
ajfa-7687	69	28	55	55	NUM
ajfa-7687	69	29	.	.	PUNCT
ajfa-7687	70	1	25	25	NUM
ajfa-7687	70	2	3.3	3.3	NUM
ajfa-7687	70	3	---22	---22	NUM
ajfa-7687	70	4	5.4	5.4	NUM
ajfa-7687	70	5	75	75	NUM
ajfa-7687	70	6	100	100	NUM
ajfa-7687	70	7	2,92,770	2,92,770	NUM
ajfa-7687	70	8	cal	cal	ADJ
ajfa-7687	70	9	returns	return	NOUN
ajfa-7687	70	10	,	,	PUNCT
ajfa-7687	70	11	rb	rb	ADJ
ajfa-7687	70	12	2000	2000	NUM
ajfa-7687	70	13	2006	2006	NUM
ajfa-7687	70	14	2	2	NUM
ajfa-7687	70	15	9.1	9.1	NUM
ajfa-7687	70	16	24	24	NUM
ajfa-7687	70	17	2	2	NUM
ajfa-7687	70	18	48.1	48.1	NUM
ajfa-7687	70	19	46	46	NUM
ajfa-7687	70	20	4	4	NUM
ajfa-7687	70	21	6.7	6.7	NUM
ajfa-7687	70	22	5.25.1	5.25.1	NUM
ajfa-7687	70	23	14.6	14.6	NUM
ajfa-7687	70	24	.4	.4	NUM
ajfa-7687	70	25	7.1	7.1	NUM
ajfa-7687	70	26	6.9	6.9	NUM
ajfa-7687	70	27	sbi	sbi	NOUN
ajfa-7687	70	28	nb	nb	PROPN
ajfa-7687	70	29	187	187	NUM
ajfa-7687	70	30	structure	structure	NOUN
ajfa-7687	70	31	of	of	ADP
ajfa-7687	70	32	rbi	rbi	NOUN
ajfa-7687	70	33	(	(	PUNCT
ajfa-7687	70	34	2000	2000	NUM
ajfa-7687	70	35	-	-	SYM
ajfa-7687	70	36	201	201	NUM
ajfa-7687	70	37	old	old	ADJ
ajfa-7687	70	38	private	private	ADJ
ajfa-7687	70	39	b	b	NOUN
ajfa-7687	70	40	red	red	NOUN
ajfa-7687	70	41	to	to	ADP
ajfa-7687	70	42	the	the	DET
ajfa-7687	70	43	ol	ol	PROPN
ajfa-7687	70	44	ure	ure	PROPN
ajfa-7687	70	45	of	of	ADP
ajfa-7687	70	46	india	india	PROPN
ajfa-7687	70	47	1995	1995	NUM
ajfa-7687	70	48	%	%	NOUN
ajfa-7687	70	49	to	to	PART
ajfa-7687	70	50	total	total	VERB
ajfa-7687	70	51	n	n	DET
ajfa-7687	70	52	o.	o.	NOUN
ajfa-7687	70	53	of	of	ADP
ajfa-7687	70	54	banks	bank	NOUN
ajfa-7687	70	55	2	2	NUM
ajfa-7687	70	56	8	8	NUM
ajfa-7687	70	57	2	2	NUM
ajfa-7687	70	58	7	7	NUM
ajfa-7687	70	59	19	19	NUM
ajfa-7687	70	60	5	5	NUM
ajfa-7687	70	61	24	24	NUM
ajfa-7687	70	62	5	5	NUM
ajfa-7687	70	63	8	8	NUM
ajfa-7687	70	64	1	1	NUM
ajfa-7687	70	65	27	27	NUM
ajfa-7687	70	66	7	7	NUM
ajfa-7687	70	67	0	0	NUM
ajfa-7687	70	68	86	86	NUM
ajfa-7687	70	69	1	1	NUM
ajfa-7687	70	70	5,29,87	5,29,87	NUM
ajfa-7687	70	71	bi	bi	NOUN
ajfa-7687	70	72	(	(	PUNCT
ajfa-7687	70	73	2000	2000	NUM
ajfa-7687	70	74	-	-	SYM
ajfa-7687	70	75	201	201	NUM
ajfa-7687	70	76	2007	2007	NUM
ajfa-7687	70	77	2008	2008	NUM
ajfa-7687	70	78	2	2	NUM
ajfa-7687	70	79	23	23	NUM
ajfa-7687	70	80	23	23	NUM
ajfa-7687	70	81	24	24	NUM
ajfa-7687	70	82	47	47	NUM
ajfa-7687	70	83	46	46	NUM
ajfa-7687	70	84	4	4	NUM
ajfa-7687	70	85	22	22	NUM
ajfa-7687	70	86	22	22	NUM
ajfa-7687	70	87	2	2	NUM
ajfa-7687	70	88	9	9	NUM
ajfa-7687	70	89	8	8	NUM
ajfa-7687	70	90	8	8	NUM
ajfa-7687	70	91	b	b	NOUN
ajfa-7687	70	92	opb	opb	X
ajfa-7687	70	93	np	np	PROPN
ajfa-7687	70	94	asian	asian	PROPN
ajfa-7687	70	95	f	f	PROPN
ajfa-7687	70	96	indian	indian	PROPN
ajfa-7687	70	97	ban	ban	VERB
ajfa-7687	70	98	14	14	NUM
ajfa-7687	70	99	)	)	PUNCT
ajfa-7687	70	100	deregula	deregula	VERB
ajfa-7687	70	101	banks	bank	NOUN
ajfa-7687	70	102	(	(	PUNCT
ajfa-7687	70	103	tab	tab	PROPN
ajfa-7687	70	104	ld	ld	PROPN
ajfa-7687	70	105	private	private	PROPN
ajfa-7687	70	106	b	b	PROPN
ajfa-7687	70	107	an	an	DET
ajfa-7687	70	108	commerc	commerc	NOUN
ajfa-7687	70	109	2000	2000	NUM
ajfa-7687	70	110	%	%	NOUN
ajfa-7687	70	111	to	to	PART
ajfa-7687	70	112	total	total	VERB
ajfa-7687	70	113	n	n	DET
ajfa-7687	70	114	o.	o.	NOUN
ajfa-7687	70	115	of	of	ADP
ajfa-7687	70	116	banks	bank	NOUN
ajfa-7687	71	1	29.5	29.5	NUM
ajfa-7687	71	2	8	8	NUM
ajfa-7687	71	3	53.3	53.3	NUM
ajfa-7687	71	4	19	19	NUM
ajfa-7687	71	5	5.8	5.8	NUM
ajfa-7687	71	6	24	24	NUM
ajfa-7687	71	7	1.4	1.4	NUM
ajfa-7687	71	8	8	8	NUM
ajfa-7687	71	9	7.1	7.1	NUM
ajfa-7687	71	10	42	42	NUM
ajfa-7687	71	11	100	100	NUM
ajfa-7687	71	12	101	101	NUM
ajfa-7687	71	13	6	6	NUM
ajfa-7687	71	14	11,52	11,52	NUM
ajfa-7687	71	15	4	4	NUM
ajfa-7687	71	16	)	)	PUNCT
ajfa-7687	71	17	2009	2009	NUM
ajfa-7687	71	18	2010	2010	NUM
ajfa-7687	71	19	20	20	NUM
ajfa-7687	71	20	4	4	NUM
ajfa-7687	71	21	23	23	NUM
ajfa-7687	71	22	22	22	NUM
ajfa-7687	71	23	47	47	NUM
ajfa-7687	71	24	50	50	NUM
ajfa-7687	71	25	51	51	NUM
ajfa-7687	71	26	20	20	NUM
ajfa-7687	71	27	4	4	NUM
ajfa-7687	71	28	4	4	NUM
ajfa-7687	71	29	15	15	NUM
ajfa-7687	71	30	9	9	NUM
ajfa-7687	71	31	7	7	NUM
ajfa-7687	71	32	pb	pb	ADP
ajfa-7687	71	33	fb	fb	INTJ
ajfa-7687	71	34	n	n	PRON
ajfa-7687	71	35	journal	journal	NOUN
ajfa-7687	71	36	of	of	ADP
ajfa-7687	71	37	f	f	PROPN
ajfa-7687	71	38	nking	nke	VERB
ajfa-7687	71	39	ation	ation	PROPN
ajfa-7687	71	40	,	,	PUNCT
ajfa-7687	71	41	have	have	VERB
ajfa-7687	71	42	le	le	X
ajfa-7687	71	43	2	2	NUM
ajfa-7687	71	44	)	)	PUNCT
ajfa-7687	71	45	.	.	PUNCT
ajfa-7687	72	1	regul	regul	NOUN
ajfa-7687	72	2	anks	ank	NOUN
ajfa-7687	72	3	(	(	PUNCT
ajfa-7687	72	4	table	table	NOUN
ajfa-7687	72	5	cial	cial	ADJ
ajfa-7687	72	6	bankin	bankin	NOUN
ajfa-7687	72	7	200	200	NUM
ajfa-7687	72	8	%	%	NOUN
ajfa-7687	72	9	to	to	PART
ajfa-7687	72	10	total	total	VERB
ajfa-7687	72	11	n	n	DET
ajfa-7687	72	12	o.	o.	NOUN
ajfa-7687	72	13	of	of	ADP
ajfa-7687	72	14	banks	bank	NOUN
ajfa-7687	73	1	29.1	29.1	NUM
ajfa-7687	73	2	8	8	NUM
ajfa-7687	73	3	48.1	48.1	NUM
ajfa-7687	73	4	20	20	NUM
ajfa-7687	73	5	6.7	6.7	NUM
ajfa-7687	73	6	19	19	NUM
ajfa-7687	73	7	5.1	5.1	NUM
ajfa-7687	73	8	8	8	NUM
ajfa-7687	73	9	7.1	7.1	NUM
ajfa-7687	73	10	29	29	NUM
ajfa-7687	73	11	100	100	NUM
ajfa-7687	73	12	84	84	NUM
ajfa-7687	73	13	2,604	2,604	NUM
ajfa-7687	73	14	28	28	NUM
ajfa-7687	73	15	,	,	PUNCT
ajfa-7687	73	16	011	011	NUM
ajfa-7687	73	17	2012	2012	NUM
ajfa-7687	73	18	20	20	NUM
ajfa-7687	73	19	21	21	NUM
ajfa-7687	73	20	22	22	NUM
ajfa-7687	73	21	1	1	NUM
ajfa-7687	73	22	51	51	NUM
ajfa-7687	73	23	51	51	NUM
ajfa-7687	73	24	4	4	NUM
ajfa-7687	73	25	5	5	NUM
ajfa-7687	73	26	5	5	NUM
ajfa-7687	73	27	15	15	NUM
ajfa-7687	73	28	16	16	NUM
ajfa-7687	73	29	1	1	NUM
ajfa-7687	73	30	7	7	NUM
ajfa-7687	73	31	7	7	NUM
ajfa-7687	73	32	finance	finance	NOUN
ajfa-7687	73	33	&	&	CCONJ
ajfa-7687	73	34	ac	ac	PROPN
ajfa-7687	73	35	issn	issn	PROPN
ajfa-7687	73	36	19	19	NUM
ajfa-7687	73	37	2015	2015	NUM
ajfa-7687	73	38	,	,	PUNCT
ajfa-7687	73	39	vol	vol	NOUN
ajfa-7687	73	40	.	.	PUNCT
ajfa-7687	74	1	www.macrothi	www.macrothi	X
ajfa-7687	75	1	quickly	quickly	ADV
ajfa-7687	75	2	occ	occ	PROPN
ajfa-7687	75	3	ation	ation	NOUN
ajfa-7687	75	4	,	,	PUNCT
ajfa-7687	75	5	have	have	VERB
ajfa-7687	75	6	e	e	NOUN
ajfa-7687	75	7	2	2	NUM
ajfa-7687	75	8	)	)	PUNCT
ajfa-7687	75	9	.	.	PUNCT
ajfa-7687	76	1	ng	ng	PROPN
ajfa-7687	76	2	system	system	PROPN
ajfa-7687	76	3	a	a	DET
ajfa-7687	76	4	06	06	NUM
ajfa-7687	76	5	2	2	NUM
ajfa-7687	76	6	n	n	NUM
ajfa-7687	76	7	o.ofbanks	o.ofbank	NOUN
ajfa-7687	76	8	%	%	NOUN
ajfa-7687	76	9	to	to	PART
ajfa-7687	76	10	total	total	VERB
ajfa-7687	76	11	24	24	NUM
ajfa-7687	76	12	6	6	NUM
ajfa-7687	76	13	46	46	NUM
ajfa-7687	76	14	2	2	NUM
ajfa-7687	76	15	5.2	5.2	NUM
ajfa-7687	76	16	1	1	NUM
ajfa-7687	76	17	14.6	14.6	NUM
ajfa-7687	76	18	7	7	NUM
ajfa-7687	76	19	6.9	6.9	NUM
ajfa-7687	76	20	4	4	NUM
ajfa-7687	76	21	100	100	NUM
ajfa-7687	76	22	8	8	NUM
ajfa-7687	76	23	,	,	PUNCT
ajfa-7687	76	24	75,520	75,520	NUM
ajfa-7687	76	25	9	9	NUM
ajfa-7687	76	26	13	13	NUM
ajfa-7687	76	27	5	5	NUM
ajfa-7687	76	28	16	16	NUM
ajfa-7687	76	29	6	6	NUM
ajfa-7687	76	30	ccounting	ccounte	VERB
ajfa-7687	76	31	946	946	NUM
ajfa-7687	76	32	-	-	PUNCT
ajfa-7687	76	33	052x	052x	NOUN
ajfa-7687	76	34	7	7	NUM
ajfa-7687	76	35	,	,	PUNCT
ajfa-7687	76	36	no	no	INTJ
ajfa-7687	76	37	.	.	NOUN
ajfa-7687	76	38	1	1	NUM
ajfa-7687	76	39	ink.org/ajfa	ink.org/ajfa	NOUN
ajfa-7687	76	40	cupied	cupie	VERB
ajfa-7687	76	41	a	a	DET
ajfa-7687	76	42	quickly	quickly	ADV
ajfa-7687	76	43	as	as	ADP
ajfa-7687	76	44	at	at	ADP
ajfa-7687	76	45	end	end	NOUN
ajfa-7687	76	46	2013	2013	NUM
ajfa-7687	76	47	n	n	CCONJ
ajfa-7687	76	48	o.	o.	NOUN
ajfa-7687	76	49	of	of	ADP
ajfa-7687	76	50	banks	bank	NOUN
ajfa-7687	76	51	%	%	VERB
ajfa-7687	76	52	to	to	PART
ajfa-7687	76	53	total	total	VERB
ajfa-7687	76	54	6	6	NUM
ajfa-7687	76	55	22	22	NUM
ajfa-7687	76	56	20	20	NUM
ajfa-7687	76	57	51	51	NUM
ajfa-7687	76	58	13	13	NUM
ajfa-7687	76	59	5	5	NUM
ajfa-7687	76	60	7	7	NUM
ajfa-7687	76	61	16	16	NUM
ajfa-7687	76	62	43	43	NUM
ajfa-7687	76	63	6	6	NUM
ajfa-7687	76	64	89	89	NUM
ajfa-7687	76	65	100	100	NUM
ajfa-7687	76	66	95,73,334	95,73,334	NUM
ajfa-7687	76	67	asian	asian	ADJ
ajfa-7687	76	68	journal	journal	NOUN
ajfa-7687	76	69	of	of	ADP
ajfa-7687	76	70	finance	finance	PROPN
ajfa-7687	76	71	&	&	CCONJ
ajfa-7687	76	72	accounting	accounting	PROPN
ajfa-7687	76	73	issn	issn	PROPN
ajfa-7687	76	74	1946	1946	NUM
ajfa-7687	76	75	-	-	PUNCT
ajfa-7687	76	76	052x	052x	NOUN
ajfa-7687	76	77	2015	2015	NUM
ajfa-7687	76	78	,	,	PUNCT
ajfa-7687	76	79	vol	vol	NOUN
ajfa-7687	76	80	.	.	PROPN
ajfa-7687	77	1	7	7	NUM
ajfa-7687	77	2	,	,	PUNCT
ajfa-7687	77	3	no	no	INTJ
ajfa-7687	77	4	.	.	NOUN
ajfa-7687	77	5	1	1	NUM
ajfa-7687	77	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	77	7	188	188	NUM
ajfa-7687	77	8	our	our	PRON
ajfa-7687	77	9	economy	economy	NOUN
ajfa-7687	77	10	was	be	AUX
ajfa-7687	77	11	deregulated	deregulate	VERB
ajfa-7687	77	12	and	and	CCONJ
ajfa-7687	77	13	liberalized	liberalize	VERB
ajfa-7687	77	14	to	to	PART
ajfa-7687	77	15	attract	attract	VERB
ajfa-7687	77	16	foreign	foreign	ADJ
ajfa-7687	77	17	capital	capital	NOUN
ajfa-7687	77	18	in	in	ADP
ajfa-7687	77	19	early	early	ADJ
ajfa-7687	77	20	1990s	1990	NOUN
ajfa-7687	77	21	.	.	PUNCT
ajfa-7687	78	1	since	since	SCONJ
ajfa-7687	78	2	that	that	DET
ajfa-7687	78	3	time	time	NOUN
ajfa-7687	78	4	many	many	ADJ
ajfa-7687	78	5	financial	financial	ADJ
ajfa-7687	78	6	institutions	institution	NOUN
ajfa-7687	78	7	entered	enter	VERB
ajfa-7687	78	8	into	into	ADP
ajfa-7687	78	9	india	india	PROPN
ajfa-7687	78	10	with	with	ADP
ajfa-7687	78	11	strategic	strategic	ADJ
ajfa-7687	78	12	ideas	idea	NOUN
ajfa-7687	78	13	.	.	PUNCT
ajfa-7687	79	1	prior	prior	ADV
ajfa-7687	79	2	to	to	ADP
ajfa-7687	79	3	1990s	1990	NOUN
ajfa-7687	79	4	our	our	PRON
ajfa-7687	79	5	public	public	ADJ
ajfa-7687	79	6	sector	sector	NOUN
ajfa-7687	79	7	banks	bank	NOUN
ajfa-7687	79	8	and	and	CCONJ
ajfa-7687	79	9	other	other	ADJ
ajfa-7687	79	10	banks	bank	NOUN
ajfa-7687	79	11	concentrated	concentrate	VERB
ajfa-7687	79	12	more	more	ADV
ajfa-7687	79	13	on	on	ADP
ajfa-7687	79	14	social	social	ADJ
ajfa-7687	79	15	lending	lending	NOUN
ajfa-7687	79	16	and	and	CCONJ
ajfa-7687	79	17	had	have	AUX
ajfa-7687	79	18	accumulated	accumulate	VERB
ajfa-7687	79	19	huge	huge	ADJ
ajfa-7687	79	20	non	non	ADJ
ajfa-7687	79	21	performing	perform	VERB
ajfa-7687	79	22	assets	asset	NOUN
ajfa-7687	79	23	.	.	PUNCT
ajfa-7687	80	1	the	the	DET
ajfa-7687	80	2	financial	financial	ADJ
ajfa-7687	80	3	statements	statement	NOUN
ajfa-7687	80	4	revealed	reveal	VERB
ajfa-7687	80	5	that	that	SCONJ
ajfa-7687	80	6	most	most	ADJ
ajfa-7687	80	7	of	of	ADP
ajfa-7687	80	8	the	the	DET
ajfa-7687	80	9	psbs	psbs	NOUN
ajfa-7687	80	10	profitability	profitability	NOUN
ajfa-7687	80	11	was	be	AUX
ajfa-7687	80	12	affected	affect	VERB
ajfa-7687	80	13	due	due	ADJ
ajfa-7687	80	14	to	to	ADP
ajfa-7687	80	15	mounting	mount	VERB
ajfa-7687	80	16	of	of	ADP
ajfa-7687	80	17	poor	poor	ADJ
ajfa-7687	80	18	quality	quality	NOUN
ajfa-7687	80	19	assets	asset	NOUN
ajfa-7687	80	20	later	later	ADV
ajfa-7687	80	21	pronounced	pronounce	VERB
ajfa-7687	80	22	as	as	ADP
ajfa-7687	80	23	non	non	ADJ
ajfa-7687	80	24	-	-	ADJ
ajfa-7687	80	25	performing	perform	VERB
ajfa-7687	80	26	assets	asset	NOUN
ajfa-7687	80	27	.	.	PUNCT
ajfa-7687	81	1	it	it	PRON
ajfa-7687	81	2	was	be	AUX
ajfa-7687	81	3	identified	identify	VERB
ajfa-7687	81	4	by	by	ADP
ajfa-7687	81	5	narasimham	narasimham	PROPN
ajfa-7687	81	6	committee	committee	PROPN
ajfa-7687	81	7	-	-	PUNCT
ajfa-7687	81	8	i	i	PROPN
ajfa-7687	81	9	(	(	PUNCT
ajfa-7687	81	10	1991	1991	NUM
ajfa-7687	81	11	)	)	PUNCT
ajfa-7687	81	12	and	and	CCONJ
ajfa-7687	81	13	recommended	recommend	VERB
ajfa-7687	81	14	prudential	prudential	ADJ
ajfa-7687	81	15	norms	norm	NOUN
ajfa-7687	81	16	on	on	ADP
ajfa-7687	81	17	income	income	NOUN
ajfa-7687	81	18	recognition	recognition	NOUN
ajfa-7687	81	19	,	,	PUNCT
ajfa-7687	81	20	asset	asset	NOUN
ajfa-7687	81	21	classification	classification	NOUN
ajfa-7687	81	22	and	and	CCONJ
ajfa-7687	81	23	provisioning	provision	VERB
ajfa-7687	81	24	on	on	ADP
ajfa-7687	81	25	par	par	NOUN
ajfa-7687	81	26	with	with	ADP
ajfa-7687	81	27	international	international	ADJ
ajfa-7687	81	28	standard	standard	NOUN
ajfa-7687	81	29	set	set	VERB
ajfa-7687	81	30	by	by	ADP
ajfa-7687	81	31	bis	bis	PROPN
ajfa-7687	81	32	(	(	PUNCT
ajfa-7687	81	33	bank	bank	NOUN
ajfa-7687	81	34	for	for	ADP
ajfa-7687	81	35	international	international	ADJ
ajfa-7687	81	36	settlement	settlement	NOUN
ajfa-7687	81	37	)	)	PUNCT
ajfa-7687	81	38	.	.	PUNCT
ajfa-7687	82	1	while	while	SCONJ
ajfa-7687	82	2	it	it	PRON
ajfa-7687	82	3	is	be	AUX
ajfa-7687	82	4	often	often	ADV
ajfa-7687	82	5	argued	argue	VERB
ajfa-7687	82	6	that	that	SCONJ
ajfa-7687	82	7	the	the	DET
ajfa-7687	82	8	banking	banking	NOUN
ajfa-7687	82	9	sector	sector	NOUN
ajfa-7687	82	10	reforms	reform	NOUN
ajfa-7687	82	11	in	in	ADP
ajfa-7687	82	12	india	india	PROPN
ajfa-7687	82	13	were	be	AUX
ajfa-7687	82	14	successful	successful	ADJ
ajfa-7687	82	15	in	in	ADP
ajfa-7687	82	16	enhancing	enhance	VERB
ajfa-7687	82	17	efficiency	efficiency	NOUN
ajfa-7687	82	18	and	and	CCONJ
ajfa-7687	82	19	productivity	productivity	NOUN
ajfa-7687	82	20	of	of	ADP
ajfa-7687	82	21	banks	bank	NOUN
ajfa-7687	82	22	(	(	PUNCT
ajfa-7687	82	23	sensarma	sensarma	PROPN
ajfa-7687	82	24	2006	2006	NUM
ajfa-7687	82	25	)	)	PUNCT
ajfa-7687	82	26	,	,	PUNCT
ajfa-7687	82	27	one	one	NUM
ajfa-7687	82	28	of	of	ADP
ajfa-7687	82	29	the	the	DET
ajfa-7687	82	30	problems	problem	NOUN
ajfa-7687	82	31	faced	face	VERB
ajfa-7687	82	32	by	by	ADP
ajfa-7687	82	33	indian	indian	ADJ
ajfa-7687	82	34	banking	banking	NOUN
ajfa-7687	82	35	is	be	AUX
ajfa-7687	82	36	npas	npas	NOUN
ajfa-7687	82	37	problem	problem	NOUN
ajfa-7687	82	38	.	.	PUNCT
ajfa-7687	83	1	as	as	ADP
ajfa-7687	83	2	on	on	ADP
ajfa-7687	83	3	march	march	PROPN
ajfa-7687	83	4	31st	31st	NOUN
ajfa-7687	83	5	2013	2013	NUM
ajfa-7687	83	6	the	the	DET
ajfa-7687	83	7	gross	gross	ADJ
ajfa-7687	83	8	npas	npas	NOUN
ajfa-7687	83	9	to	to	ADP
ajfa-7687	83	10	gross	gross	ADJ
ajfa-7687	83	11	advances	advance	NOUN
ajfa-7687	83	12	ratio	ratio	NOUN
ajfa-7687	83	13	of	of	ADP
ajfa-7687	83	14	all	all	DET
ajfa-7687	83	15	scbs	scbs	PROPN
ajfa-7687	83	16	in	in	ADP
ajfa-7687	83	17	india	india	PROPN
ajfa-7687	83	18	was	be	AUX
ajfa-7687	83	19	3.4	3.4	NUM
ajfa-7687	83	20	while	while	SCONJ
ajfa-7687	83	21	net	net	ADJ
ajfa-7687	83	22	npas	npas	PROPN
ajfa-7687	83	23	(	(	PUNCT
ajfa-7687	83	24	net	net	NOUN
ajfa-7687	83	25	of	of	ADP
ajfa-7687	83	26	provisioning	provisioning	NOUN
ajfa-7687	83	27	)	)	PUNCT
ajfa-7687	83	28	to	to	ADP
ajfa-7687	83	29	net	net	ADJ
ajfa-7687	83	30	advances	advance	NOUN
ajfa-7687	83	31	ratio	ratio	NOUN
ajfa-7687	83	32	was	be	AUX
ajfa-7687	83	33	1.7	1.7	NUM
ajfa-7687	83	34	(	(	PUNCT
ajfa-7687	83	35	table	table	NOUN
ajfa-7687	83	36	3	3	NUM
ajfa-7687	83	37	)	)	PUNCT
ajfa-7687	83	38	.	.	PUNCT
ajfa-7687	84	1	npa	npa	NOUN
ajfa-7687	84	2	ratios	ratio	NOUN
ajfa-7687	84	3	have	have	AUX
ajfa-7687	84	4	been	be	AUX
ajfa-7687	84	5	declining	decline	VERB
ajfa-7687	84	6	over	over	ADP
ajfa-7687	84	7	the	the	DET
ajfa-7687	84	8	years	year	NOUN
ajfa-7687	84	9	for	for	ADP
ajfa-7687	84	10	all	all	DET
ajfa-7687	84	11	bank	bank	NOUN
ajfa-7687	84	12	groups	group	NOUN
ajfa-7687	84	13	.	.	PUNCT
ajfa-7687	85	1	net	net	ADJ
ajfa-7687	85	2	npa	npa	PROPN
ajfa-7687	85	3	ratio	ratio	NOUN
ajfa-7687	85	4	was	be	AUX
ajfa-7687	85	5	the	the	DET
ajfa-7687	85	6	highest	high	ADJ
ajfa-7687	85	7	for	for	ADP
ajfa-7687	85	8	public	public	ADJ
ajfa-7687	85	9	sector	sector	NOUN
ajfa-7687	85	10	banks	bank	NOUN
ajfa-7687	85	11	at	at	ADP
ajfa-7687	85	12	end	end	NOUN
ajfa-7687	85	13	-	-	PUNCT
ajfa-7687	85	14	march	march	NOUN
ajfa-7687	85	15	2013	2013	NUM
ajfa-7687	85	16	(	(	PUNCT
ajfa-7687	85	17	1.7	1.7	NUM
ajfa-7687	85	18	per	per	ADP
ajfa-7687	85	19	cent	cent	NOUN
ajfa-7687	85	20	)	)	PUNCT
ajfa-7687	85	21	,	,	PUNCT
ajfa-7687	85	22	followed	follow	VERB
ajfa-7687	85	23	by	by	ADP
ajfa-7687	85	24	foreign	foreign	ADJ
ajfa-7687	85	25	banks	bank	NOUN
ajfa-7687	85	26	,	,	PUNCT
ajfa-7687	85	27	old	old	ADJ
ajfa-7687	85	28	private	private	ADJ
ajfa-7687	85	29	banks	bank	NOUN
ajfa-7687	85	30	,	,	PUNCT
ajfa-7687	85	31	and	and	CCONJ
ajfa-7687	85	32	new	new	ADJ
ajfa-7687	85	33	private	private	ADJ
ajfa-7687	85	34	banks	bank	NOUN
ajfa-7687	85	35	.	.	PUNCT
ajfa-7687	86	1	furthermore	furthermore	ADV
ajfa-7687	86	2	,	,	PUNCT
ajfa-7687	86	3	the	the	DET
ajfa-7687	86	4	problem	problem	NOUN
ajfa-7687	86	5	of	of	ADP
ajfa-7687	86	6	npas	npas	PROPN
ajfa-7687	86	7	was	be	AUX
ajfa-7687	86	8	more	more	ADV
ajfa-7687	86	9	severe	severe	ADJ
ajfa-7687	86	10	for	for	ADP
ajfa-7687	86	11	domestic	domestic	ADJ
ajfa-7687	86	12	banks	bank	NOUN
ajfa-7687	86	13	as	as	SCONJ
ajfa-7687	86	14	compared	compare	VERB
ajfa-7687	86	15	to	to	ADP
ajfa-7687	86	16	that	that	PRON
ajfa-7687	86	17	for	for	ADP
ajfa-7687	86	18	foreign	foreign	ADJ
ajfa-7687	86	19	banks	bank	NOUN
ajfa-7687	86	20	because	because	SCONJ
ajfa-7687	86	21	93	93	NUM
ajfa-7687	86	22	per	per	ADP
ajfa-7687	86	23	cent	cent	NOUN
ajfa-7687	86	24	of	of	ADP
ajfa-7687	86	25	the	the	DET
ajfa-7687	86	26	assets	asset	NOUN
ajfa-7687	86	27	(	(	PUNCT
ajfa-7687	86	28	table	table	NOUN
ajfa-7687	86	29	2	2	NUM
ajfa-7687	86	30	)	)	PUNCT
ajfa-7687	86	31	,	,	PUNCT
ajfa-7687	86	32	95	95	NUM
ajfa-7687	86	33	percent	percent	NOUN
ajfa-7687	86	34	of	of	ADP
ajfa-7687	86	35	gross	gross	ADJ
ajfa-7687	86	36	advances	advance	NOUN
ajfa-7687	86	37	(	(	PUNCT
ajfa-7687	86	38	table	table	NOUN
ajfa-7687	86	39	3b	3b	NUM
ajfa-7687	86	40	)	)	PUNCT
ajfa-7687	86	41	and	and	CCONJ
ajfa-7687	86	42	95	95	NUM
ajfa-7687	86	43	percent	percent	NOUN
ajfa-7687	86	44	of	of	ADP
ajfa-7687	86	45	gross	gross	ADJ
ajfa-7687	86	46	npas	npas	PROPN
ajfa-7687	86	47	(	(	PUNCT
ajfa-7687	86	48	table	table	NOUN
ajfa-7687	86	49	3a	3a	NUM
ajfa-7687	86	50	)	)	PUNCT
ajfa-7687	86	51	of	of	ADP
ajfa-7687	86	52	indian	indian	ADJ
ajfa-7687	86	53	banking	banking	NOUN
ajfa-7687	86	54	industry	industry	NOUN
ajfa-7687	86	55	are	be	AUX
ajfa-7687	86	56	with	with	ADP
ajfa-7687	86	57	public	public	ADJ
ajfa-7687	86	58	sector	sector	NOUN
ajfa-7687	86	59	banks	bank	NOUN
ajfa-7687	86	60	and	and	CCONJ
ajfa-7687	86	61	domestic	domestic	ADJ
ajfa-7687	86	62	private	private	ADJ
ajfa-7687	86	63	banks	bank	NOUN
ajfa-7687	86	64	.	.	PUNCT
ajfa-7687	87	1	thus	thus	ADV
ajfa-7687	87	2	,	,	PUNCT
ajfa-7687	87	3	it	it	PRON
ajfa-7687	87	4	is	be	AUX
ajfa-7687	87	5	extremely	extremely	ADV
ajfa-7687	87	6	crucial	crucial	ADJ
ajfa-7687	87	7	to	to	PART
ajfa-7687	87	8	understand	understand	VERB
ajfa-7687	87	9	the	the	DET
ajfa-7687	87	10	asset	asset	NOUN
ajfa-7687	87	11	quality	quality	NOUN
ajfa-7687	87	12	of	of	ADP
ajfa-7687	87	13	public	public	ADJ
ajfa-7687	87	14	and	and	CCONJ
ajfa-7687	87	15	domestic	domestic	ADJ
ajfa-7687	87	16	private	private	ADJ
ajfa-7687	87	17	banks	bank	NOUN
ajfa-7687	87	18	in	in	ADP
ajfa-7687	87	19	india	india	PROPN
ajfa-7687	87	20	for	for	ADP
ajfa-7687	87	21	the	the	DET
ajfa-7687	87	22	financial	financial	ADJ
ajfa-7687	87	23	stability	stability	NOUN
ajfa-7687	87	24	of	of	ADP
ajfa-7687	87	25	the	the	DET
ajfa-7687	87	26	economy	economy	NOUN
ajfa-7687	87	27	.	.	PUNCT
ajfa-7687	88	1	moreover	moreover	ADV
ajfa-7687	88	2	,	,	PUNCT
ajfa-7687	88	3	because	because	SCONJ
ajfa-7687	88	4	of	of	ADP
ajfa-7687	88	5	their	their	PRON
ajfa-7687	88	6	significant	significant	ADJ
ajfa-7687	88	7	contribution	contribution	NOUN
ajfa-7687	88	8	to	to	ADP
ajfa-7687	88	9	domestic	domestic	ADJ
ajfa-7687	88	10	industrial	industrial	ADJ
ajfa-7687	88	11	credit	credit	NOUN
ajfa-7687	88	12	and	and	CCONJ
ajfa-7687	88	13	mobilizing	mobilize	VERB
ajfa-7687	88	14	deposits	deposit	NOUN
ajfa-7687	88	15	,	,	PUNCT
ajfa-7687	88	16	the	the	DET
ajfa-7687	88	17	issue	issue	NOUN
ajfa-7687	88	18	of	of	ADP
ajfa-7687	88	19	prudent	prudent	ADJ
ajfa-7687	88	20	lending	lending	NOUN
ajfa-7687	88	21	and	and	CCONJ
ajfa-7687	88	22	effective	effective	ADJ
ajfa-7687	88	23	credit	credit	NOUN
ajfa-7687	88	24	risk	risk	NOUN
ajfa-7687	88	25	management	management	NOUN
ajfa-7687	88	26	is	be	AUX
ajfa-7687	88	27	of	of	ADP
ajfa-7687	88	28	paramount	paramount	ADJ
ajfa-7687	88	29	importance	importance	NOUN
ajfa-7687	88	30	for	for	ADP
ajfa-7687	88	31	these	these	DET
ajfa-7687	88	32	banks	bank	NOUN
ajfa-7687	88	33	.	.	PUNCT
ajfa-7687	89	1	table	table	NOUN
ajfa-7687	89	2	3	3	NUM
ajfa-7687	89	3	source	source	NOUN
ajfa-7687	89	4	:	:	PUNCT
ajfa-7687	89	5	r	r	NOUN
ajfa-7687	89	6	source	source	NOUN
ajfa-7687	89	7	:	:	PUNCT
ajfa-7687	89	8	.	.	PUNCT
ajfa-7687	90	1	incidence	incidence	ADJ
ajfa-7687	90	2	year	year	NOUN
ajfa-7687	90	3	1998	1998	NUM
ajfa-7687	90	4	1999	1999	NUM
ajfa-7687	90	5	2000	2000	NUM
ajfa-7687	90	6	2001	2001	NUM
ajfa-7687	90	7	2002	2002	NUM
ajfa-7687	90	8	2003	2003	NUM
ajfa-7687	90	9	2004	2004	NUM
ajfa-7687	90	10	2005	2005	NUM
ajfa-7687	90	11	2006	2006	NUM
ajfa-7687	90	12	2007	2007	NUM
ajfa-7687	90	13	2008	2008	NUM
ajfa-7687	90	14	2009	2009	NUM
ajfa-7687	90	15	2010	2010	NUM
ajfa-7687	90	16	2011	2011	NUM
ajfa-7687	90	17	2012	2012	NUM
ajfa-7687	90	18	2013	2013	NUM
ajfa-7687	90	19	report	report	NOUN
ajfa-7687	90	20	on	on	ADP
ajfa-7687	90	21	ban	ban	NOUN
ajfa-7687	90	22	chart	chart	NOUN
ajfa-7687	90	23	2	2	NUM
ajfa-7687	90	24	.	.	PUNCT
ajfa-7687	91	1	n	n	X
ajfa-7687	91	2	:	:	PUNCT
ajfa-7687	91	3	report	report	VERB
ajfa-7687	91	4	on	on	ADP
ajfa-7687	91	5	0	0	NUM
ajfa-7687	91	6	1	1	NUM
ajfa-7687	91	7	2	2	NUM
ajfa-7687	91	8	3	3	NUM
ajfa-7687	91	9	4	4	NUM
ajfa-7687	91	10	5	5	NUM
ajfa-7687	91	11	6	6	NUM
ajfa-7687	91	12	7	7	NUM
ajfa-7687	91	13	8	8	NUM
ajfa-7687	91	14	9	9	NUM
ajfa-7687	91	15	199	199	NUM
ajfa-7687	91	16	of	of	ADP
ajfa-7687	91	17	gross	gross	ADJ
ajfa-7687	91	18	an	an	DET
ajfa-7687	91	19	%	%	NOUN
ajfa-7687	91	20	of	of	ADP
ajfa-7687	91	21	gross	gross	ADJ
ajfa-7687	91	22	scb	scb	PROPN
ajfa-7687	91	23	14.4	14.4	NUM
ajfa-7687	91	24	14.7	14.7	NUM
ajfa-7687	91	25	12.8	12.8	NUM
ajfa-7687	91	26	11.4	11.4	NUM
ajfa-7687	91	27	10.4	10.4	NUM
ajfa-7687	91	28	8.8	8.8	NUM
ajfa-7687	91	29	7.2	7.2	NUM
ajfa-7687	91	30	5.2	5.2	NUM
ajfa-7687	91	31	3.3	3.3	NUM
ajfa-7687	91	32	2.6	2.6	NUM
ajfa-7687	91	33	2.4	2.4	NUM
ajfa-7687	91	34	2.4	2.4	NUM
ajfa-7687	91	35	2.5	2.5	NUM
ajfa-7687	91	36	2.4	2.4	NUM
ajfa-7687	91	37	2.9	2.9	NUM
ajfa-7687	91	38	3.4	3.4	NUM
ajfa-7687	91	39	nking	nke	VERB
ajfa-7687	91	40	statistic	statistic	PROPN
ajfa-7687	91	41	npa	npa	PROPN
ajfa-7687	91	42	s	s	PROPN
ajfa-7687	91	43	of	of	ADP
ajfa-7687	91	44	sch	sch	PROPN
ajfa-7687	91	45	banking	banking	PROPN
ajfa-7687	91	46	st	st	PROPN
ajfa-7687	91	47	98200020012	98200020012	NUM
ajfa-7687	91	48	nd	nd	PROPN
ajfa-7687	91	49	net	net	PROPN
ajfa-7687	91	50	npa	npa	PROPN
ajfa-7687	91	51	npas	npas	NOUN
ajfa-7687	91	52	to	to	ADP
ajfa-7687	91	53	gro	gro	PROPN
ajfa-7687	91	54	psb	psb	PROPN
ajfa-7687	91	55	o	o	PROPN
ajfa-7687	92	1	16.0	16.0	NUM
ajfa-7687	92	2	1	1	NUM
ajfa-7687	92	3	15.9	15.9	NUM
ajfa-7687	92	4	1	1	NUM
ajfa-7687	92	5	14.0	14.0	NUM
ajfa-7687	92	6	1	1	NUM
ajfa-7687	92	7	12.4	12.4	NUM
ajfa-7687	92	8	1	1	NUM
ajfa-7687	92	9	11.1	11.1	NUM
ajfa-7687	92	10	1	1	NUM
ajfa-7687	92	11	9.4	9.4	NUM
ajfa-7687	92	12	8	8	NUM
ajfa-7687	92	13	7.8	7.8	NUM
ajfa-7687	92	14	7	7	NUM
ajfa-7687	92	15	5.5	5.5	NUM
ajfa-7687	92	16	6	6	NUM
ajfa-7687	92	17	3.7	3.7	NUM
ajfa-7687	92	18	4	4	NUM
ajfa-7687	92	19	2.8	2.8	NUM
ajfa-7687	92	20	2	2	NUM
ajfa-7687	92	21	2.3	2.3	NUM
ajfa-7687	92	22	2	2	NUM
ajfa-7687	92	23	2.1	2.1	NUM
ajfa-7687	92	24	3	3	NUM
ajfa-7687	92	25	2.3	2.3	NUM
ajfa-7687	92	26	3	3	NUM
ajfa-7687	92	27	2.3	2.3	NUM
ajfa-7687	92	28	2	2	NUM
ajfa-7687	92	29	3.2	3.2	NUM
ajfa-7687	92	30	2	2	NUM
ajfa-7687	92	31	3.8	3.8	NUM
ajfa-7687	92	32	1	1	NUM
ajfa-7687	92	33	cal	cal	NOUN
ajfa-7687	92	34	returns	return	NOUN
ajfa-7687	92	35	,	,	PUNCT
ajfa-7687	92	36	rb	rb	PROPN
ajfa-7687	92	37	heduled	hedule	VERB
ajfa-7687	92	38	co	co	NOUN
ajfa-7687	92	39	tatistical	tatistical	PROPN
ajfa-7687	92	40	re	re	NOUN
ajfa-7687	92	41	2002200320	2002200320	NUM
ajfa-7687	92	42	psb	psb	PROPN
ajfa-7687	92	43	189	189	NUM
ajfa-7687	92	44	as	as	ADP
ajfa-7687	92	45	of	of	ADP
ajfa-7687	92	46	scbs	scbs	PROPN
ajfa-7687	92	47	oss	oss	PROPN
ajfa-7687	92	48	advances	advance	VERB
ajfa-7687	92	49	opb	opb	PROPN
ajfa-7687	92	50	npb	npb	PROPN
ajfa-7687	92	51	0.9	0.9	NUM
ajfa-7687	92	52	3.5	3.5	NUM
ajfa-7687	92	53	3.1	3.1	NUM
ajfa-7687	92	54	6.2	6.2	NUM
ajfa-7687	92	55	1.3	1.3	NUM
ajfa-7687	92	56	4.2	4.2	NUM
ajfa-7687	92	57	0.9	0.9	NUM
ajfa-7687	92	58	5.1	5.1	NUM
ajfa-7687	92	59	1.0	1.0	NUM
ajfa-7687	92	60	8.9	8.9	NUM
ajfa-7687	92	61	8.9	8.9	NUM
ajfa-7687	92	62	7.6	7.6	NUM
ajfa-7687	92	63	7.6	7.6	NUM
ajfa-7687	92	64	5.0	5.0	NUM
ajfa-7687	92	65	6.0	6.0	NUM
ajfa-7687	92	66	3.6	3.6	NUM
ajfa-7687	92	67	4.3	4.3	NUM
ajfa-7687	92	68	1.7	1.7	NUM
ajfa-7687	92	69	2.4	2.4	NUM
ajfa-7687	92	70	2.7	2.7	NUM
ajfa-7687	92	71	3.2	3.2	NUM
ajfa-7687	92	72	3.0	3.0	NUM
ajfa-7687	92	73	2.5	2.5	NUM
ajfa-7687	92	74	2.1	2.1	NUM
ajfa-7687	92	75	.9	.9	NUM
ajfa-7687	92	76	bi	bi	NOUN
ajfa-7687	92	77	(	(	PUNCT
ajfa-7687	92	78	2000	2000	NUM
ajfa-7687	92	79	-	-	PUNCT
ajfa-7687	92	80	201	201	NUM
ajfa-7687	92	81	mmercial	mmercial	ADJ
ajfa-7687	92	82	b	b	NOUN
ajfa-7687	92	83	eturns	eturn	NOUN
ajfa-7687	92	84	,	,	PUNCT
ajfa-7687	92	85	rbi	rbi	NOUN
ajfa-7687	92	86	0420052006	0420052006	NUM
ajfa-7687	93	1	fb	fb	NOUN
ajfa-7687	93	2	dp	dp	NOUN
ajfa-7687	93	3	asian	asian	ADJ
ajfa-7687	93	4	(	(	PUNCT
ajfa-7687	93	5	at	at	ADP
ajfa-7687	93	6	end	end	NOUN
ajfa-7687	93	7	-	-	PUNCT
ajfa-7687	93	8	ma	ma	NOUN
ajfa-7687	93	9	%	%	NOUN
ajfa-7687	93	10	of	of	ADP
ajfa-7687	93	11	advanc	advanc	PROPN
ajfa-7687	93	12	fb	fb	PROPN
ajfa-7687	93	13	scb	scb	PROPN
ajfa-7687	93	14	6.4	6.4	NUM
ajfa-7687	93	15	7.3	7.3	NUM
ajfa-7687	93	16	7.6	7.6	NUM
ajfa-7687	93	17	7.6	7.6	NUM
ajfa-7687	93	18	7.0	7.0	NUM
ajfa-7687	93	19	6.8	6.8	NUM
ajfa-7687	93	20	6.8	6.8	NUM
ajfa-7687	93	21	6.2	6.2	NUM
ajfa-7687	93	22	5.4	5.4	NUM
ajfa-7687	93	23	5.5	5.5	NUM
ajfa-7687	93	24	5.3	5.3	NUM
ajfa-7687	93	25	4.4	4.4	NUM
ajfa-7687	93	26	4.6	4.6	NUM
ajfa-7687	93	27	2.9	2.9	NUM
ajfa-7687	93	28	2.8	2.8	NUM
ajfa-7687	93	29	2.0	2.0	NUM
ajfa-7687	93	30	1.9	1.9	NUM
ajfa-7687	93	31	1.2	1.2	NUM
ajfa-7687	93	32	1.9	1.9	NUM
ajfa-7687	93	33	1.0	1.0	NUM
ajfa-7687	93	34	1.9	1.9	NUM
ajfa-7687	93	35	1.0	1.0	NUM
ajfa-7687	93	36	4.3	4.3	NUM
ajfa-7687	93	37	1.1	1.1	NUM
ajfa-7687	93	38	4.3	4.3	NUM
ajfa-7687	93	39	1.1	1.1	NUM
ajfa-7687	93	40	2.5	2.5	NUM
ajfa-7687	93	41	1.0	1.0	NUM
ajfa-7687	93	42	2.7	2.7	NUM
ajfa-7687	93	43	1.4	1.4	NUM
ajfa-7687	93	44	3	3	NUM
ajfa-7687	93	45	1.7	1.7	NUM
ajfa-7687	93	46	4	4	NUM
ajfa-7687	93	47	)	)	PUNCT
ajfa-7687	93	48	banks	bank	NOUN
ajfa-7687	93	49	as	as	ADP
ajfa-7687	93	50	per	per	ADP
ajfa-7687	93	51	(	(	PUNCT
ajfa-7687	93	52	2000	2000	NUM
ajfa-7687	93	53	-	-	SYM
ajfa-7687	93	54	2014	2014	NUM
ajfa-7687	93	55	62007200820	62007200820	NUM
ajfa-7687	93	56	pb	pb	ADP
ajfa-7687	93	57	ascb	ascb	PROPN
ajfa-7687	93	58	n	n	PRON
ajfa-7687	93	59	journal	journal	NOUN
ajfa-7687	93	60	of	of	ADP
ajfa-7687	93	61	f	f	PROPN
ajfa-7687	93	62	arch	arch	PROPN
ajfa-7687	93	63	)	)	PUNCT
ajfa-7687	94	1	f	f	PROPN
ajfa-7687	94	2	net	net	PROPN
ajfa-7687	94	3	npa	npa	PROPN
ajfa-7687	94	4	ces	ces	PROPN
ajfa-7687	94	5	psb	psb	PROPN
ajfa-7687	94	6	opb	opb	PROPN
ajfa-7687	94	7	8.2	8.2	NUM
ajfa-7687	94	8	6.5	6.5	NUM
ajfa-7687	94	9	8.1	8.1	NUM
ajfa-7687	94	10	9.0	9.0	NUM
ajfa-7687	94	11	7.4	7.4	NUM
ajfa-7687	94	12	7.3	7.3	NUM
ajfa-7687	94	13	6.7	6.7	NUM
ajfa-7687	94	14	7.3	7.3	NUM
ajfa-7687	94	15	5.8	5.8	NUM
ajfa-7687	94	16	7.1	7.1	NUM
ajfa-7687	94	17	4.5	4.5	NUM
ajfa-7687	94	18	5.5	5.5	NUM
ajfa-7687	94	19	3.0	3.0	NUM
ajfa-7687	94	20	3.8	3.8	NUM
ajfa-7687	94	21	2.1	2.1	NUM
ajfa-7687	94	22	2.7	2.7	NUM
ajfa-7687	94	23	1.3	1.3	NUM
ajfa-7687	94	24	1.6	1.6	NUM
ajfa-7687	94	25	1.1	1.1	NUM
ajfa-7687	94	26	1.0	1.0	NUM
ajfa-7687	94	27	1.0	1.0	NUM
ajfa-7687	94	28	1.1	1.1	NUM
ajfa-7687	94	29	0.7	0.7	NUM
ajfa-7687	94	30	1.5	1.5	NUM
ajfa-7687	94	31	1.1	1.1	NUM
ajfa-7687	94	32	0.8	0.8	NUM
ajfa-7687	94	33	1.2	1.2	NUM
ajfa-7687	94	34	0.5	0.5	NUM
ajfa-7687	94	35	1.7	1.7	NUM
ajfa-7687	94	36	0.6	0.6	NUM
ajfa-7687	94	37	2	2	NUM
ajfa-7687	94	38	0.8	0.8	NUM
ajfa-7687	94	39	rcent	rcent	NOUN
ajfa-7687	94	40	of	of	ADP
ajfa-7687	94	41	net	net	ADJ
ajfa-7687	94	42	4	4	NUM
ajfa-7687	94	43	)	)	PUNCT
ajfa-7687	94	44	00920102011	00920102011	NUM
ajfa-7687	95	1	b	b	X
ajfa-7687	95	2	finance	finance	PROPN
ajfa-7687	95	3	&	&	CCONJ
ajfa-7687	95	4	ac	ac	PROPN
ajfa-7687	95	5	issn	issn	PROPN
ajfa-7687	95	6	19	19	NUM
ajfa-7687	95	7	2015	2015	NUM
ajfa-7687	95	8	,	,	PUNCT
ajfa-7687	95	9	vol	vol	NOUN
ajfa-7687	95	10	.	.	PUNCT
ajfa-7687	96	1	www.macrothi	www.macrothi	X
ajfa-7687	97	1	as	as	ADP
ajfa-7687	97	2	to	to	ADP
ajfa-7687	97	3	net	net	PROPN
ajfa-7687	97	4	npb	npb	PROPN
ajfa-7687	97	5	fb	fb	PROPN
ajfa-7687	97	6	2.6	2.6	NUM
ajfa-7687	97	7	2.2	2.2	NUM
ajfa-7687	97	8	4.5	4.5	NUM
ajfa-7687	97	9	2.9	2.9	NUM
ajfa-7687	97	10	2.9	2.9	NUM
ajfa-7687	97	11	2.4	2.4	NUM
ajfa-7687	97	12	3.1	3.1	NUM
ajfa-7687	97	13	1.8	1.8	NUM
ajfa-7687	97	14	4.9	4.9	NUM
ajfa-7687	97	15	1.9	1.9	NUM
ajfa-7687	97	16	4.6	4.6	NUM
ajfa-7687	97	17	1.8	1.8	NUM
ajfa-7687	97	18	2.4	2.4	NUM
ajfa-7687	97	19	1.5	1.5	NUM
ajfa-7687	97	20	1.9	1.9	NUM
ajfa-7687	97	21	0.9	0.9	NUM
ajfa-7687	97	22	0.8	0.8	NUM
ajfa-7687	97	23	0.8	0.8	NUM
ajfa-7687	97	24	0.7	0.7	NUM
ajfa-7687	97	25	1.2	1.2	NUM
ajfa-7687	97	26	1.7	1.7	NUM
ajfa-7687	97	27	1.1	1.1	NUM
ajfa-7687	97	28	1.8	1.8	NUM
ajfa-7687	97	29	0.6	0.6	NUM
ajfa-7687	97	30	0.6	0.6	NUM
ajfa-7687	97	31	0.5	0.5	NUM
ajfa-7687	97	32	0.6	0.6	NUM
ajfa-7687	97	33	0.4	0.4	NUM
ajfa-7687	97	34	1	1	NUM
ajfa-7687	97	35	t	t	NOUN
ajfa-7687	97	36	advances	advance	VERB
ajfa-7687	97	37	120122013	120122013	NUM
ajfa-7687	97	38	ccounting	ccounte	VERB
ajfa-7687	97	39	946	946	NUM
ajfa-7687	97	40	-	-	PUNCT
ajfa-7687	97	41	052x	052x	NOUN
ajfa-7687	97	42	7	7	NUM
ajfa-7687	97	43	,	,	PUNCT
ajfa-7687	97	44	no	no	INTJ
ajfa-7687	97	45	.	.	NOUN
ajfa-7687	97	46	1	1	NUM
ajfa-7687	97	47	ink.org/ajfa	ink.org/ajfa	NUM
ajfa-7687	97	48	asian	asian	ADJ
ajfa-7687	97	49	journal	journal	NOUN
ajfa-7687	97	50	of	of	ADP
ajfa-7687	97	51	finance	finance	PROPN
ajfa-7687	97	52	&	&	CCONJ
ajfa-7687	97	53	accounting	accounting	PROPN
ajfa-7687	97	54	issn	issn	PROPN
ajfa-7687	97	55	1946	1946	NUM
ajfa-7687	97	56	-	-	PUNCT
ajfa-7687	97	57	052x	052x	NOUN
ajfa-7687	97	58	2015	2015	NUM
ajfa-7687	97	59	,	,	PUNCT
ajfa-7687	97	60	vol	vol	NOUN
ajfa-7687	97	61	.	.	PROPN
ajfa-7687	97	62	7	7	NUM
ajfa-7687	97	63	,	,	PUNCT
ajfa-7687	97	64	no	no	INTJ
ajfa-7687	97	65	.	.	NOUN
ajfa-7687	97	66	1	1	NUM
ajfa-7687	97	67	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	97	68	190	190	NUM
ajfa-7687	97	69	table	table	NOUN
ajfa-7687	97	70	3a	3a	NUM
ajfa-7687	97	71	.	.	PUNCT
ajfa-7687	98	1	incidence	incidence	NOUN
ajfa-7687	98	2	of	of	ADP
ajfa-7687	98	3	gross	gross	ADJ
ajfa-7687	98	4	npas	npas	PROPN
ajfa-7687	98	5	of	of	ADP
ajfa-7687	98	6	scbs	scbs	PROPN
ajfa-7687	98	7	(	(	PUNCT
ajfa-7687	98	8	at	at	ADP
ajfa-7687	98	9	end	end	NOUN
ajfa-7687	98	10	-	-	PUNCT
ajfa-7687	98	11	march	march	NOUN
ajfa-7687	98	12	)	)	PUNCT
ajfa-7687	98	13	gross	gross	ADJ
ajfa-7687	98	14	npas	npas	NOUN
ajfa-7687	98	15	in	in	ADP
ajfa-7687	98	16	00	00	NUM
ajfa-7687	98	17	’	'	PUNCT
ajfa-7687	98	18	crs	crs	NOUN
ajfa-7687	98	19	proportion	proportion	NOUN
ajfa-7687	98	20	of	of	ADP
ajfa-7687	98	21	gross	gross	ADJ
ajfa-7687	98	22	npas	npas	PROPN
ajfa-7687	98	23	in	in	ADP
ajfa-7687	98	24	total	total	ADJ
ajfa-7687	98	25	year	year	NOUN
ajfa-7687	98	26	psb	psb	PROPN
ajfa-7687	98	27	pb	pb	ADP
ajfa-7687	98	28	fb	fb	PROPN
ajfa-7687	98	29	scb	scb	PROPN
ajfa-7687	98	30	psb	psb	PROPN
ajfa-7687	98	31	pb	pb	PROPN
ajfa-7687	98	32	fb	fb	PROPN
ajfa-7687	98	33	ascb	ascb	PROPN
ajfa-7687	98	34	2006	2006	NUM
ajfa-7687	98	35	413.78	413.78	NUM
ajfa-7687	98	36	77.74	77.74	NUM
ajfa-7687	98	37	20.90	20.90	NUM
ajfa-7687	98	38	512.42	512.42	NUM
ajfa-7687	98	39	81	81	NUM
ajfa-7687	98	40	%	%	NOUN
ajfa-7687	98	41	15	15	NUM
ajfa-7687	98	42	%	%	NOUN
ajfa-7687	98	43	4	4	NUM
ajfa-7687	98	44	%	%	NOUN
ajfa-7687	98	45	100	100	NUM
ajfa-7687	98	46	%	%	NOUN
ajfa-7687	98	47	2007	2007	NUM
ajfa-7687	98	48	384.25	384.25	NUM
ajfa-7687	98	49	92.39	92.39	NUM
ajfa-7687	98	50	24.52	24.52	NUM
ajfa-7687	98	51	501.16	501.16	NUM
ajfa-7687	98	52	77	77	NUM
ajfa-7687	98	53	%	%	NOUN
ajfa-7687	98	54	18	18	NUM
ajfa-7687	98	55	%	%	NOUN
ajfa-7687	98	56	5	5	NUM
ajfa-7687	98	57	%	%	NOUN
ajfa-7687	98	58	100	100	NUM
ajfa-7687	98	59	%	%	NOUN
ajfa-7687	98	60	2008	2008	NUM
ajfa-7687	98	61	396.06	396.06	NUM
ajfa-7687	98	62	129.76	129.76	NUM
ajfa-7687	98	63	31.18	31.18	NUM
ajfa-7687	98	64	556.99	556.99	NUM
ajfa-7687	98	65	71	71	NUM
ajfa-7687	98	66	%	%	NOUN
ajfa-7687	98	67	23	23	NUM
ajfa-7687	98	68	%	%	NOUN
ajfa-7687	98	69	6	6	NUM
ajfa-7687	98	70	%	%	NOUN
ajfa-7687	98	71	100	100	NUM
ajfa-7687	98	72	%	%	NOUN
ajfa-7687	98	73	2009	2009	NUM
ajfa-7687	98	74	440.32	440.32	NUM
ajfa-7687	98	75	168.88	168.88	NUM
ajfa-7687	98	76	72.94	72.94	NUM
ajfa-7687	98	77	682.13	682.13	NUM
ajfa-7687	98	78	65	65	NUM
ajfa-7687	98	79	%	%	NOUN
ajfa-7687	98	80	25	25	NUM
ajfa-7687	98	81	%	%	NOUN
ajfa-7687	98	82	11	11	NUM
ajfa-7687	98	83	%	%	NOUN
ajfa-7687	98	84	100	100	NUM
ajfa-7687	98	85	%	%	NOUN
ajfa-7687	98	86	2010	2010	NUM
ajfa-7687	98	87	572.93	572.93	NUM
ajfa-7687	98	88	173.84	173.84	NUM
ajfa-7687	98	89	71.28	71.28	NUM
ajfa-7687	98	90	818.05	818.05	NUM
ajfa-7687	98	91	70	70	NUM
ajfa-7687	98	92	%	%	NOUN
ajfa-7687	98	93	21	21	NUM
ajfa-7687	98	94	%	%	NOUN
ajfa-7687	98	95	9	9	NUM
ajfa-7687	98	96	%	%	NOUN
ajfa-7687	98	97	100	100	NUM
ajfa-7687	98	98	%	%	NOUN
ajfa-7687	98	99	2011	2011	NUM
ajfa-7687	98	100	710.80	710.80	NUM
ajfa-7687	98	101	179.72	179.72	NUM
ajfa-7687	98	102	50.65	50.65	NUM
ajfa-7687	98	103	941.17	941.17	NUM
ajfa-7687	98	104	76	76	NUM
ajfa-7687	98	105	%	%	NOUN
ajfa-7687	98	106	19	19	NUM
ajfa-7687	98	107	%	%	NOUN
ajfa-7687	98	108	5	5	NUM
ajfa-7687	98	109	%	%	NOUN
ajfa-7687	98	110	100	100	NUM
ajfa-7687	98	111	%	%	NOUN
ajfa-7687	98	112	2012	2012	NUM
ajfa-7687	98	113	1124.89	1124.89	NUM
ajfa-7687	98	114	183.15	183.15	NUM
ajfa-7687	98	115	62.92	62.92	NUM
ajfa-7687	98	116	1370.96	1370.96	NUM
ajfa-7687	98	117	82	82	NUM
ajfa-7687	98	118	%	%	NOUN
ajfa-7687	98	119	13	13	NUM
ajfa-7687	98	120	%	%	NOUN
ajfa-7687	98	121	5	5	NUM
ajfa-7687	98	122	%	%	NOUN
ajfa-7687	98	123	100	100	NUM
ajfa-7687	98	124	%	%	NOUN
ajfa-7687	98	125	2013	2013	NUM
ajfa-7687	98	126	1,558.90	1,558.90	NUM
ajfa-7687	98	127	199.92	199.92	NUM
ajfa-7687	98	128	79.72	79.72	NUM
ajfa-7687	98	129	1,838.54	1,838.54	NUM
ajfa-7687	98	130	85	85	NUM
ajfa-7687	98	131	%	%	NOUN
ajfa-7687	98	132	11	11	NUM
ajfa-7687	98	133	%	%	NOUN
ajfa-7687	98	134	4	4	NUM
ajfa-7687	98	135	%	%	NOUN
ajfa-7687	98	136	100	100	NUM
ajfa-7687	98	137	%	%	NOUN
ajfa-7687	98	138	source	source	NOUN
ajfa-7687	98	139	:	:	PUNCT
ajfa-7687	98	140	report	report	NOUN
ajfa-7687	98	141	on	on	ADP
ajfa-7687	98	142	banking	bank	VERB
ajfa-7687	98	143	statistical	statistical	ADJ
ajfa-7687	98	144	returns	return	NOUN
ajfa-7687	98	145	,	,	PUNCT
ajfa-7687	98	146	rbi	rbi	X
ajfa-7687	98	147	(	(	PUNCT
ajfa-7687	98	148	2000	2000	NUM
ajfa-7687	98	149	-	-	SYM
ajfa-7687	98	150	2014	2014	NUM
ajfa-7687	98	151	)	)	PUNCT
ajfa-7687	98	152	table	table	NOUN
ajfa-7687	98	153	3b	3b	NOUN
ajfa-7687	98	154	.	.	PUNCT
ajfa-7687	99	1	incidence	incidence	NOUN
ajfa-7687	99	2	of	of	ADP
ajfa-7687	99	3	gross	gross	ADJ
ajfa-7687	99	4	advances	advance	NOUN
ajfa-7687	99	5	of	of	ADP
ajfa-7687	99	6	scbs	scbs	PROPN
ajfa-7687	99	7	(	(	PUNCT
ajfa-7687	99	8	at	at	ADP
ajfa-7687	99	9	end	end	NOUN
ajfa-7687	99	10	-	-	PUNCT
ajfa-7687	99	11	march	march	NOUN
ajfa-7687	99	12	)	)	PUNCT
ajfa-7687	99	13	gross	gross	ADJ
ajfa-7687	99	14	advances	advance	NOUN
ajfa-7687	99	15	in	in	ADP
ajfa-7687	99	16	00	00	NUM
ajfa-7687	99	17	’	'	PUNCT
ajfa-7687	99	18	crs	crs	NOUN
ajfa-7687	99	19	proportion	proportion	NOUN
ajfa-7687	99	20	of	of	ADP
ajfa-7687	99	21	gross	gross	ADJ
ajfa-7687	99	22	advances	advance	NOUN
ajfa-7687	99	23	in	in	ADP
ajfa-7687	99	24	total	total	ADJ
ajfa-7687	99	25	year	year	NOUN
ajfa-7687	99	26	psb	psb	PROPN
ajfa-7687	99	27	pb	pb	ADP
ajfa-7687	99	28	fb	fb	PROPN
ajfa-7687	99	29	scb	scb	PROPN
ajfa-7687	99	30	psb	psb	PROPN
ajfa-7687	99	31	pb	pb	PROPN
ajfa-7687	99	32	fb	fb	PROPN
ajfa-7687	99	33	ascb	ascb	PROPN
ajfa-7687	99	34	2006	2006	NUM
ajfa-7687	99	35	10708.72	10708.72	NUM
ajfa-7687	99	36	3037.93	3037.93	NUM
ajfa-7687	99	37	988.62	988.62	NUM
ajfa-7687	99	38	14735.27	14735.27	NUM
ajfa-7687	99	39	73	73	NUM
ajfa-7687	99	40	%	%	NOUN
ajfa-7687	99	41	21	21	NUM
ajfa-7687	99	42	%	%	NOUN
ajfa-7687	99	43	7	7	NUM
ajfa-7687	99	44	%	%	NOUN
ajfa-7687	99	45	100	100	NUM
ajfa-7687	99	46	%	%	NOUN
ajfa-7687	99	47	2007	2007	NUM
ajfa-7687	99	48	13737.77	13737.77	NUM
ajfa-7687	99	49	3918.69	3918.69	NUM
ajfa-7687	99	50	1278.67	1278.67	NUM
ajfa-7687	99	51	18935.13	18935.13	NUM
ajfa-7687	99	52	73	73	NUM
ajfa-7687	99	53	%	%	NOUN
ajfa-7687	99	54	21	21	NUM
ajfa-7687	99	55	%	%	NOUN
ajfa-7687	99	56	7	7	NUM
ajfa-7687	99	57	%	%	NOUN
ajfa-7687	99	58	100	100	NUM
ajfa-7687	99	59	%	%	NOUN
ajfa-7687	99	60	2008	2008	NUM
ajfa-7687	99	61	16963.33	16963.33	NUM
ajfa-7687	99	62	4723.45	4723.45	NUM
ajfa-7687	99	63	1629.99	1629.99	NUM
ajfa-7687	99	64	23316.78	23316.78	NUM
ajfa-7687	99	65	73	73	NUM
ajfa-7687	99	66	%	%	NOUN
ajfa-7687	99	67	20	20	NUM
ajfa-7687	99	68	%	%	NOUN
ajfa-7687	99	69	7	7	NUM
ajfa-7687	99	70	%	%	NOUN
ajfa-7687	99	71	100	100	NUM
ajfa-7687	99	72	%	%	NOUN
ajfa-7687	99	73	2009	2009	NUM
ajfa-7687	99	74	20999.38	20999.38	NUM
ajfa-7687	99	75	5196.55	5196.55	NUM
ajfa-7687	99	76	1697.14	1697.14	NUM
ajfa-7687	99	77	27893.07	27893.07	NUM
ajfa-7687	99	78	75	75	NUM
ajfa-7687	99	79	%	%	NOUN
ajfa-7687	99	80	19	19	NUM
ajfa-7687	99	81	%	%	NOUN
ajfa-7687	99	82	6	6	NUM
ajfa-7687	99	83	%	%	NOUN
ajfa-7687	99	84	100	100	NUM
ajfa-7687	99	85	%	%	NOUN
ajfa-7687	99	86	2010	2010	NUM
ajfa-7687	99	87	25123.58	25123.58	NUM
ajfa-7687	99	88	5845.76	5845.76	NUM
ajfa-7687	99	89	1674.39	1674.39	NUM
ajfa-7687	99	90	32643.72	32643.72	NUM
ajfa-7687	99	91	77	77	NUM
ajfa-7687	99	92	%	%	NOUN
ajfa-7687	99	93	18	18	NUM
ajfa-7687	99	94	%	%	NOUN
ajfa-7687	99	95	5	5	NUM
ajfa-7687	99	96	%	%	NOUN
ajfa-7687	99	97	100	100	NUM
ajfa-7687	99	98	%	%	NOUN
ajfa-7687	99	99	2011	2011	NUM
ajfa-7687	99	100	30598.70	30598.70	NUM
ajfa-7687	99	101	7323.10	7323.10	NUM
ajfa-7687	99	102	1993.21	1993.21	NUM
ajfa-7687	99	103	39915.01	39915.01	NUM
ajfa-7687	99	104	77	77	NUM
ajfa-7687	99	105	%	%	NOUN
ajfa-7687	99	106	18	18	NUM
ajfa-7687	99	107	%	%	NOUN
ajfa-7687	99	108	5	5	NUM
ajfa-7687	99	109	%	%	NOUN
ajfa-7687	99	110	100	100	NUM
ajfa-7687	99	111	%	%	NOUN
ajfa-7687	99	112	2012	2012	NUM
ajfa-7687	99	113	35503.89	35503.89	NUM
ajfa-7687	99	114	8804.45	8804.45	NUM
ajfa-7687	99	115	2347.10	2347.10	NUM
ajfa-7687	99	116	46655.44	46655.44	NUM
ajfa-7687	99	117	76	76	NUM
ajfa-7687	99	118	%	%	NOUN
ajfa-7687	99	119	19	19	NUM
ajfa-7687	99	120	%	%	NOUN
ajfa-7687	99	121	5	5	NUM
ajfa-7687	99	122	%	%	NOUN
ajfa-7687	99	123	100	100	NUM
ajfa-7687	99	124	%	%	NOUN
ajfa-7687	99	125	2013	2013	NUM
ajfa-7687	99	126	40,558.74	40,558.74	NUM
ajfa-7687	99	127	10,466.65	10,466.65	NUM
ajfa-7687	99	128	2,686.12	2,686.12	NUM
ajfa-7687	99	129	53,711.51	53,711.51	NUM
ajfa-7687	99	130	76	76	NUM
ajfa-7687	99	131	%	%	NOUN
ajfa-7687	99	132	19	19	NUM
ajfa-7687	99	133	%	%	NOUN
ajfa-7687	99	134	5	5	NUM
ajfa-7687	99	135	%	%	NOUN
ajfa-7687	99	136	100	100	NUM
ajfa-7687	99	137	%	%	NOUN
ajfa-7687	99	138	source	source	NOUN
ajfa-7687	99	139	:	:	PUNCT
ajfa-7687	99	140	report	report	NOUN
ajfa-7687	99	141	on	on	ADP
ajfa-7687	99	142	banking	bank	VERB
ajfa-7687	99	143	statistical	statistical	ADJ
ajfa-7687	99	144	returns	return	NOUN
ajfa-7687	99	145	,	,	PUNCT
ajfa-7687	99	146	rbi	rbi	X
ajfa-7687	99	147	(	(	PUNCT
ajfa-7687	99	148	2000	2000	NUM
ajfa-7687	99	149	-	-	SYM
ajfa-7687	99	150	2014	2014	NUM
ajfa-7687	99	151	)	)	PUNCT
ajfa-7687	99	152	4	4	NUM
ajfa-7687	99	153	.	.	X
ajfa-7687	99	154	problem	problem	PROPN
ajfa-7687	99	155	loansa	loansa	PROPN
ajfa-7687	99	156	cross	cross	PROPN
ajfa-7687	99	157	country	country	NOUN
ajfa-7687	99	158	analysis	analysis	NOUN
ajfa-7687	99	159	to	to	PART
ajfa-7687	99	160	get	get	VERB
ajfa-7687	99	161	an	an	DET
ajfa-7687	99	162	idea	idea	NOUN
ajfa-7687	99	163	of	of	ADP
ajfa-7687	99	164	the	the	DET
ajfa-7687	99	165	scale	scale	NOUN
ajfa-7687	99	166	of	of	ADP
ajfa-7687	99	167	india	india	PROPN
ajfa-7687	99	168	’s	’s	PART
ajfa-7687	99	169	bad	bad	ADJ
ajfa-7687	99	170	loans	loan	NOUN
ajfa-7687	99	171	problem	problem	NOUN
ajfa-7687	99	172	in	in	ADP
ajfa-7687	99	173	comparison	comparison	NOUN
ajfa-7687	99	174	with	with	ADP
ajfa-7687	99	175	the	the	DET
ajfa-7687	99	176	rest	rest	NOUN
ajfa-7687	99	177	of	of	ADP
ajfa-7687	99	178	the	the	DET
ajfa-7687	99	179	world	world	NOUN
ajfa-7687	99	180	,	,	PUNCT
ajfa-7687	99	181	a	a	DET
ajfa-7687	99	182	comparison	comparison	NOUN
ajfa-7687	99	183	of	of	ADP
ajfa-7687	99	184	incidence	incidence	NOUN
ajfa-7687	99	185	of	of	ADP
ajfa-7687	99	186	npas	npas	NOUN
ajfa-7687	99	187	in	in	ADP
ajfa-7687	99	188	india	india	PROPN
ajfa-7687	99	189	with	with	ADP
ajfa-7687	99	190	that	that	PRON
ajfa-7687	99	191	of	of	ADP
ajfa-7687	99	192	some	some	DET
ajfa-7687	99	193	selected	select	VERB
ajfa-7687	99	194	countries	country	NOUN
ajfa-7687	99	195	across	across	ADP
ajfa-7687	99	196	geographical	geographical	ADJ
ajfa-7687	99	197	regions	region	NOUN
ajfa-7687	99	198	is	be	AUX
ajfa-7687	99	199	made	make	VERB
ajfa-7687	99	200	(	(	PUNCT
ajfa-7687	99	201	table	table	NOUN
ajfa-7687	99	202	4	4	NUM
ajfa-7687	99	203	)	)	PUNCT
ajfa-7687	99	204	.	.	PUNCT
ajfa-7687	100	1	it	it	PRON
ajfa-7687	100	2	is	be	AUX
ajfa-7687	100	3	observed	observe	VERB
ajfa-7687	100	4	that	that	SCONJ
ajfa-7687	100	5	the	the	DET
ajfa-7687	100	6	incidence	incidence	NOUN
ajfa-7687	100	7	of	of	ADP
ajfa-7687	100	8	npas	npas	PROPN
ajfa-7687	100	9	has	have	AUX
ajfa-7687	100	10	come	come	VERB
ajfa-7687	100	11	down	down	ADP
ajfa-7687	100	12	significantly	significantly	ADV
ajfa-7687	100	13	from	from	ADP
ajfa-7687	100	14	2000	2000	NUM
ajfa-7687	100	15	till	till	SCONJ
ajfa-7687	100	16	2013	2013	NUM
ajfa-7687	100	17	for	for	ADP
ajfa-7687	100	18	almost	almost	ADV
ajfa-7687	100	19	all	all	PRON
ajfa-7687	100	20	countries	country	NOUN
ajfa-7687	100	21	reported	report	VERB
ajfa-7687	100	22	above	above	ADP
ajfa-7687	100	23	india	india	PROPN
ajfa-7687	100	24	in	in	ADP
ajfa-7687	100	25	the	the	DET
ajfa-7687	100	26	table	table	NOUN
ajfa-7687	100	27	.	.	PUNCT
ajfa-7687	101	1	from	from	ADP
ajfa-7687	101	2	2007	2007	NUM
ajfa-7687	101	3	,	,	PUNCT
ajfa-7687	101	4	gross	gross	ADJ
ajfa-7687	101	5	npas	npa	NOUN
ajfa-7687	101	6	have	have	AUX
ajfa-7687	101	7	increased	increase	VERB
ajfa-7687	101	8	for	for	ADP
ajfa-7687	101	9	some	some	PRON
ajfa-7687	101	10	of	of	ADP
ajfa-7687	101	11	the	the	DET
ajfa-7687	101	12	countries	country	NOUN
ajfa-7687	101	13	due	due	ADJ
ajfa-7687	101	14	to	to	ADP
ajfa-7687	101	15	hard	hard	ADV
ajfa-7687	101	16	-	-	PUNCT
ajfa-7687	101	17	hit	hit	VERB
ajfa-7687	101	18	recession	recession	NOUN
ajfa-7687	101	19	and	and	CCONJ
ajfa-7687	101	20	global	global	ADJ
ajfa-7687	101	21	financial	financial	ADJ
ajfa-7687	101	22	crisis	crisis	NOUN
ajfa-7687	101	23	.	.	PUNCT
ajfa-7687	102	1	moreover	moreover	ADV
ajfa-7687	102	2	,	,	PUNCT
ajfa-7687	102	3	in	in	ADP
ajfa-7687	102	4	2013	2013	NUM
ajfa-7687	102	5	incidence	incidence	NOUN
ajfa-7687	102	6	of	of	ADP
ajfa-7687	102	7	npas	npas	NOUN
ajfa-7687	102	8	in	in	ADP
ajfa-7687	102	9	india	india	PROPN
ajfa-7687	102	10	appears	appear	VERB
ajfa-7687	102	11	to	to	PART
ajfa-7687	102	12	be	be	AUX
ajfa-7687	102	13	high	high	ADJ
ajfa-7687	102	14	in	in	ADP
ajfa-7687	102	15	comparison	comparison	NOUN
ajfa-7687	102	16	to	to	ADP
ajfa-7687	102	17	emerging	emerge	VERB
ajfa-7687	102	18	economies	economy	NOUN
ajfa-7687	102	19	such	such	ADJ
ajfa-7687	102	20	as	as	ADP
ajfa-7687	102	21	china	china	PROPN
ajfa-7687	102	22	(	(	PUNCT
ajfa-7687	102	23	1	1	NUM
ajfa-7687	102	24	)	)	PUNCT
ajfa-7687	102	25	,	,	PUNCT
ajfa-7687	102	26	thailand	thailand	PROPN
ajfa-7687	102	27	(	(	PUNCT
ajfa-7687	102	28	2.3	2.3	NUM
ajfa-7687	102	29	)	)	PUNCT
ajfa-7687	102	30	,	,	PUNCT
ajfa-7687	102	31	malaysia	malaysia	PROPN
ajfa-7687	102	32	(	(	PUNCT
ajfa-7687	102	33	1.8	1.8	NUM
ajfa-7687	102	34	)	)	PUNCT
ajfa-7687	102	35	,	,	PUNCT
ajfa-7687	102	36	korea	korea	PROPN
ajfa-7687	102	37	(	(	PUNCT
ajfa-7687	102	38	0.7	0.7	NUM
ajfa-7687	102	39	)	)	PUNCT
ajfa-7687	102	40	and	and	CCONJ
ajfa-7687	102	41	turkey	turkey	NOUN
ajfa-7687	102	42	(	(	PUNCT
ajfa-7687	102	43	2.6	2.6	NUM
ajfa-7687	102	44	)	)	PUNCT
ajfa-7687	102	45	.	.	PUNCT
ajfa-7687	103	1	developed	develop	VERB
ajfa-7687	103	2	countries	country	NOUN
ajfa-7687	103	3	such	such	ADJ
ajfa-7687	103	4	as	as	ADP
ajfa-7687	103	5	australia	australia	PROPN
ajfa-7687	103	6	(	(	PUNCT
ajfa-7687	103	7	1.4	1.4	NUM
ajfa-7687	103	8	)	)	PUNCT
ajfa-7687	103	9	,	,	PUNCT
ajfa-7687	103	10	and	and	CCONJ
ajfa-7687	103	11	canada	canada	PROPN
ajfa-7687	103	12	(	(	PUNCT
ajfa-7687	103	13	0.6	0.6	NUM
ajfa-7687	103	14	)	)	PUNCT
ajfa-7687	103	15	,	,	PUNCT
ajfa-7687	103	16	expectedly	expectedly	ADV
ajfa-7687	103	17	,	,	PUNCT
ajfa-7687	103	18	have	have	VERB
ajfa-7687	103	19	the	the	DET
ajfa-7687	103	20	lowest	low	ADJ
ajfa-7687	103	21	levels	level	NOUN
ajfa-7687	103	22	of	of	ADP
ajfa-7687	103	23	npas	npas	PROPN
ajfa-7687	103	24	.	.	PUNCT
ajfa-7687	104	1	surprisingly	surprisingly	ADV
ajfa-7687	104	2	,	,	PUNCT
ajfa-7687	104	3	problem	problem	NOUN
ajfa-7687	104	4	of	of	ADP
ajfa-7687	104	5	npas	npas	NOUN
ajfa-7687	104	6	is	be	AUX
ajfa-7687	104	7	less	less	ADV
ajfa-7687	104	8	severe	severe	ADJ
ajfa-7687	104	9	in	in	ADP
ajfa-7687	104	10	india	india	PROPN
ajfa-7687	104	11	when	when	SCONJ
ajfa-7687	104	12	compared	compare	VERB
ajfa-7687	104	13	to	to	ADP
ajfa-7687	104	14	developed	develop	VERB
ajfa-7687	104	15	economies	economy	NOUN
ajfa-7687	104	16	such	such	ADJ
ajfa-7687	104	17	as	as	ADP
ajfa-7687	104	18	france	france	PROPN
ajfa-7687	104	19	(	(	PUNCT
ajfa-7687	104	20	4.3	4.3	NUM
ajfa-7687	104	21	)	)	PUNCT
ajfa-7687	104	22	and	and	CCONJ
ajfa-7687	104	23	emerging	emerge	VERB
ajfa-7687	104	24	economies	economy	NOUN
ajfa-7687	104	25	such	such	ADJ
ajfa-7687	104	26	as	as	ADP
ajfa-7687	104	27	russia	russia	PROPN
ajfa-7687	104	28	(	(	PUNCT
ajfa-7687	104	29	6	6	NUM
ajfa-7687	104	30	)	)	PUNCT
ajfa-7687	104	31	.	.	PUNCT
ajfa-7687	105	1	the	the	DET
ajfa-7687	105	2	major	major	ADJ
ajfa-7687	105	3	reason	reason	NOUN
ajfa-7687	105	4	for	for	ADP
ajfa-7687	105	5	this	this	DET
ajfa-7687	105	6	trend	trend	NOUN
ajfa-7687	105	7	can	can	AUX
ajfa-7687	105	8	be	be	AUX
ajfa-7687	105	9	attributed	attribute	VERB
ajfa-7687	105	10	to	to	ADP
ajfa-7687	105	11	the	the	DET
ajfa-7687	105	12	global	global	ADJ
ajfa-7687	105	13	financial	financial	ADJ
ajfa-7687	105	14	crisis	crisis	NOUN
ajfa-7687	105	15	faced	face	VERB
ajfa-7687	105	16	by	by	ADP
ajfa-7687	105	17	the	the	DET
ajfa-7687	105	18	developed	develop	VERB
ajfa-7687	105	19	economies	economy	NOUN
ajfa-7687	105	20	and	and	CCONJ
ajfa-7687	105	21	conservative	conservative	ADJ
ajfa-7687	105	22	,	,	PUNCT
ajfa-7687	105	23	watchful	watchful	ADJ
ajfa-7687	105	24	policies	policy	NOUN
ajfa-7687	105	25	adopted	adopt	VERB
ajfa-7687	105	26	by	by	ADP
ajfa-7687	105	27	the	the	DET
ajfa-7687	105	28	rbi	rbi	NOUN
ajfa-7687	105	29	in	in	ADP
ajfa-7687	105	30	india	india	PROPN
ajfa-7687	105	31	.	.	PUNCT
ajfa-7687	106	1	asian	asian	PROPN
ajfa-7687	106	2	journal	journal	PROPN
ajfa-7687	106	3	of	of	ADP
ajfa-7687	106	4	finance	finance	PROPN
ajfa-7687	106	5	&	&	CCONJ
ajfa-7687	106	6	accounting	accounting	PROPN
ajfa-7687	106	7	issn	issn	PROPN
ajfa-7687	106	8	1946	1946	NUM
ajfa-7687	106	9	-	-	PUNCT
ajfa-7687	106	10	052x	052x	NOUN
ajfa-7687	106	11	2015	2015	NUM
ajfa-7687	106	12	,	,	PUNCT
ajfa-7687	106	13	vol	vol	NOUN
ajfa-7687	106	14	.	.	PROPN
ajfa-7687	106	15	7	7	NUM
ajfa-7687	106	16	,	,	PUNCT
ajfa-7687	106	17	no	no	INTJ
ajfa-7687	106	18	.	.	NOUN
ajfa-7687	106	19	1	1	NUM
ajfa-7687	106	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	106	21	191	191	NUM
ajfa-7687	106	22	table	table	NOUN
ajfa-7687	106	23	4	4	NUM
ajfa-7687	106	24	.	.	PUNCT
ajfa-7687	107	1	cross	cross	ADJ
ajfa-7687	107	2	-	-	ADJ
ajfa-7687	107	3	country	country	ADJ
ajfa-7687	107	4	comparison	comparison	NOUN
ajfa-7687	107	5	of	of	ADP
ajfa-7687	107	6	gross	gross	ADJ
ajfa-7687	107	7	non	non	ADJ
ajfa-7687	107	8	-	-	ADJ
ajfa-7687	107	9	performing	performing	ADJ
ajfa-7687	107	10	loans	loan	NOUN
ajfa-7687	107	11	to	to	ADP
ajfa-7687	107	12	total	total	ADJ
ajfa-7687	107	13	loans	loan	NOUN
ajfa-7687	107	14	country	country	NOUN
ajfa-7687	107	15	2001	2001	NUM
ajfa-7687	107	16	2002	2002	NUM
ajfa-7687	107	17	2003	2003	NUM
ajfa-7687	107	18	2004	2004	NUM
ajfa-7687	107	19	2005	2005	NUM
ajfa-7687	107	20	2006	2006	NUM
ajfa-7687	107	21	2007	2007	NUM
ajfa-7687	107	22	2008	2008	NUM
ajfa-7687	107	23	2009	2009	NUM
ajfa-7687	107	24	2010	2010	NUM
ajfa-7687	107	25	2011	2011	NUM
ajfa-7687	107	26	2012	2012	NUM
ajfa-7687	107	27	2013	2013	NUM
ajfa-7687	107	28	finland	finland	NOUN
ajfa-7687	107	29	0.6	0.6	NUM
ajfa-7687	107	30	0.5	0.5	NUM
ajfa-7687	107	31	0.5	0.5	NUM
ajfa-7687	107	32	0.4	0.4	NUM
ajfa-7687	107	33	0.3	0.3	NUM
ajfa-7687	107	34	0.2	0.2	NUM
ajfa-7687	107	35	0.3	0.3	NUM
ajfa-7687	107	36	0.4	0.4	NUM
ajfa-7687	107	37	0.6	0.6	NUM
ajfa-7687	107	38	0.6	0.6	NUM
ajfa-7687	107	39	0.5	0.5	NUM
ajfa-7687	107	40	0.5	0.5	NUM
ajfa-7687	107	41	0.5	0.5	NUM
ajfa-7687	107	42	canada	canada	PROPN
ajfa-7687	107	43	1.5	1.5	NUM
ajfa-7687	107	44	1.6	1.6	NUM
ajfa-7687	107	45	1.2	1.2	NUM
ajfa-7687	107	46	0.7	0.7	NUM
ajfa-7687	107	47	0.5	0.5	NUM
ajfa-7687	107	48	0.4	0.4	NUM
ajfa-7687	107	49	0.4	0.4	NUM
ajfa-7687	107	50	0.8	0.8	NUM
ajfa-7687	107	51	1.3	1.3	NUM
ajfa-7687	107	52	1.2	1.2	NUM
ajfa-7687	107	53	0.8	0.8	NUM
ajfa-7687	107	54	0.6	0.6	NUM
ajfa-7687	107	55	0.6	0.6	NUM
ajfa-7687	107	56	sweden	sweden	PROPN
ajfa-7687	107	57	1.5	1.5	NUM
ajfa-7687	107	58	1.2	1.2	NUM
ajfa-7687	107	59	1.9	1.9	NUM
ajfa-7687	107	60	1.1	1.1	NUM
ajfa-7687	107	61	0.8	0.8	NUM
ajfa-7687	107	62	0.8	0.8	NUM
ajfa-7687	107	63	0.1	0.1	NUM
ajfa-7687	107	64	0.5	0.5	NUM
ajfa-7687	107	65	0.8	0.8	NUM
ajfa-7687	107	66	0.8	0.8	NUM
ajfa-7687	107	67	0.7	0.7	NUM
ajfa-7687	107	68	0.7	0.7	NUM
ajfa-7687	107	69	0.6	0.6	NUM
ajfa-7687	107	70	china	china	PROPN
ajfa-7687	107	71	29.8	29.8	NUM
ajfa-7687	107	72	26	26	NUM
ajfa-7687	107	73	20.4	20.4	NUM
ajfa-7687	107	74	13.2	13.2	NUM
ajfa-7687	107	75	8.6	8.6	NUM
ajfa-7687	107	76	7.1	7.1	NUM
ajfa-7687	107	77	6.2	6.2	NUM
ajfa-7687	107	78	2.4	2.4	NUM
ajfa-7687	107	79	1.6	1.6	NUM
ajfa-7687	107	80	1.1	1.1	NUM
ajfa-7687	107	81	1	1	NUM
ajfa-7687	107	82	0.9	0.9	NUM
ajfa-7687	107	83	1	1	NUM
ajfa-7687	107	84	singapore	singapore	NOUN
ajfa-7687	107	85	8	8	NUM
ajfa-7687	107	86	7.7	7.7	NUM
ajfa-7687	107	87	6.7	6.7	NUM
ajfa-7687	107	88	5	5	NUM
ajfa-7687	107	89	3.8	3.8	NUM
ajfa-7687	107	90	2.8	2.8	NUM
ajfa-7687	107	91	1.5	1.5	NUM
ajfa-7687	107	92	1.4	1.4	NUM
ajfa-7687	107	93	2	2	NUM
ajfa-7687	107	94	1.4	1.4	NUM
ajfa-7687	107	95	1.1	1.1	NUM
ajfa-7687	107	96	1	1	NUM
ajfa-7687	107	97	0.9	0.9	NUM
ajfa-7687	107	98	venezuela	venezuela	PROPN
ajfa-7687	107	99	,	,	PUNCT
ajfa-7687	107	100	rb	rb	VERB
ajfa-7687	107	101	7	7	NUM
ajfa-7687	107	102	9.2	9.2	NUM
ajfa-7687	107	103	7.7	7.7	NUM
ajfa-7687	107	104	2.8	2.8	NUM
ajfa-7687	107	105	1.2	1.2	NUM
ajfa-7687	107	106	1.1	1.1	NUM
ajfa-7687	107	107	1.2	1.2	NUM
ajfa-7687	107	108	1.9	1.9	NUM
ajfa-7687	107	109	3	3	NUM
ajfa-7687	107	110	3.4	3.4	NUM
ajfa-7687	107	111	1.4	1.4	NUM
ajfa-7687	107	112	1.2	1.2	NUM
ajfa-7687	107	113	0.7	0.7	NUM
ajfa-7687	107	114	argentina	argentina	NOUN
ajfa-7687	107	115	13.1	13.1	NUM
ajfa-7687	107	116	18.1	18.1	NUM
ajfa-7687	107	117	17.7	17.7	NUM
ajfa-7687	107	118	10.7	10.7	NUM
ajfa-7687	107	119	5.2	5.2	NUM
ajfa-7687	107	120	3.4	3.4	NUM
ajfa-7687	107	121	2.7	2.7	NUM
ajfa-7687	107	122	2.7	2.7	NUM
ajfa-7687	107	123	3	3	NUM
ajfa-7687	107	124	1.8	1.8	NUM
ajfa-7687	107	125	1.2	1.2	NUM
ajfa-7687	107	126	1.5	1.5	NUM
ajfa-7687	107	127	1.7	1.7	NUM
ajfa-7687	107	128	korea	korea	PROPN
ajfa-7687	107	129	,	,	PUNCT
ajfa-7687	107	130	rep	rep	PROPN
ajfa-7687	107	131	.	.	PROPN
ajfa-7687	107	132	3.4	3.4	NUM
ajfa-7687	107	133	2.4	2.4	NUM
ajfa-7687	107	134	2.6	2.6	NUM
ajfa-7687	107	135	1.9	1.9	NUM
ajfa-7687	107	136	1.2	1.2	NUM
ajfa-7687	107	137	0.8	0.8	NUM
ajfa-7687	107	138	0.7	0.7	NUM
ajfa-7687	107	139	1.1	1.1	NUM
ajfa-7687	107	140	1.2	1.2	NUM
ajfa-7687	107	141	1.9	1.9	NUM
ajfa-7687	107	142	1.4	1.4	NUM
ajfa-7687	107	143	1.5	1.5	NUM
ajfa-7687	107	144	0.7	0.7	NUM
ajfa-7687	107	145	bolivia	bolivia	NOUN
ajfa-7687	107	146	16.2	16.2	NUM
ajfa-7687	107	147	17.7	17.7	NUM
ajfa-7687	107	148	16.7	16.7	NUM
ajfa-7687	107	149	14	14	NUM
ajfa-7687	107	150	11.3	11.3	NUM
ajfa-7687	107	151	8.7	8.7	NUM
ajfa-7687	107	152	5.6	5.6	NUM
ajfa-7687	107	153	4.3	4.3	NUM
ajfa-7687	107	154	3.5	3.5	NUM
ajfa-7687	107	155	2.2	2.2	NUM
ajfa-7687	107	156	1.7	1.7	NUM
ajfa-7687	107	157	1.7	1.7	NUM
ajfa-7687	107	158	1	1	NUM
ajfa-7687	107	159	australia	australia	NOUN
ajfa-7687	107	160	0.6	0.6	NUM
ajfa-7687	107	161	0.4	0.4	NUM
ajfa-7687	107	162	0.3	0.3	NUM
ajfa-7687	107	163	0.2	0.2	NUM
ajfa-7687	107	164	0.2	0.2	NUM
ajfa-7687	107	165	0.6	0.6	NUM
ajfa-7687	107	166	0.6	0.6	NUM
ajfa-7687	107	167	1.3	1.3	NUM
ajfa-7687	107	168	2	2	NUM
ajfa-7687	107	169	2.2	2.2	NUM
ajfa-7687	107	170	2	2	NUM
ajfa-7687	107	171	1.9	1.9	NUM
ajfa-7687	107	172	1.4	1.4	NUM
ajfa-7687	107	173	indonesia	indonesia	PROPN
ajfa-7687	107	174	31.9	31.9	NUM
ajfa-7687	107	175	24	24	NUM
ajfa-7687	107	176	6.8	6.8	NUM
ajfa-7687	107	177	4.5	4.5	NUM
ajfa-7687	107	178	7.4	7.4	NUM
ajfa-7687	107	179	6.1	6.1	NUM
ajfa-7687	107	180	4	4	NUM
ajfa-7687	107	181	3.2	3.2	NUM
ajfa-7687	107	182	3.3	3.3	NUM
ajfa-7687	107	183	2.5	2.5	NUM
ajfa-7687	107	184	2.1	2.1	NUM
ajfa-7687	107	185	2.1	2.1	NUM
ajfa-7687	107	186	1.5	1.5	NUM
ajfa-7687	107	187	malaysia	malaysia	NOUN
ajfa-7687	107	188	17.8	17.8	NUM
ajfa-7687	107	189	15.9	15.9	NUM
ajfa-7687	107	190	13.9	13.9	NUM
ajfa-7687	107	191	11.7	11.7	NUM
ajfa-7687	107	192	9.6	9.6	NUM
ajfa-7687	107	193	8.5	8.5	NUM
ajfa-7687	107	194	6.5	6.5	NUM
ajfa-7687	107	195	4.8	4.8	NUM
ajfa-7687	107	196	3.6	3.6	NUM
ajfa-7687	107	197	3.4	3.4	NUM
ajfa-7687	107	198	2.7	2.7	NUM
ajfa-7687	107	199	2.2	2.2	NUM
ajfa-7687	107	200	1.8	1.8	NUM
ajfa-7687	107	201	mexico	mexico	PROPN
ajfa-7687	107	202	5.1	5.1	NUM
ajfa-7687	107	203	3.7	3.7	NUM
ajfa-7687	107	204	3.2	3.2	NUM
ajfa-7687	107	205	2.5	2.5	NUM
ajfa-7687	107	206	1.8	1.8	NUM
ajfa-7687	107	207	1.8	1.8	NUM
ajfa-7687	107	208	2.4	2.4	NUM
ajfa-7687	107	209	3	3	NUM
ajfa-7687	107	210	2.8	2.8	NUM
ajfa-7687	107	211	2	2	NUM
ajfa-7687	107	212	2.1	2.1	NUM
ajfa-7687	107	213	2.2	2.2	NUM
ajfa-7687	107	214	3.2	3.2	NUM
ajfa-7687	107	215	chile	chile	NOUN
ajfa-7687	107	216	1.6	1.6	NUM
ajfa-7687	107	217	1.8	1.8	NUM
ajfa-7687	107	218	1.6	1.6	NUM
ajfa-7687	107	219	1.2	1.2	NUM
ajfa-7687	107	220	0.9	0.9	NUM
ajfa-7687	107	221	0.8	0.8	NUM
ajfa-7687	107	222	0.8	0.8	NUM
ajfa-7687	107	223	1	1	NUM
ajfa-7687	107	224	2.9	2.9	NUM
ajfa-7687	107	225	2.7	2.7	NUM
ajfa-7687	107	226	2.4	2.4	NUM
ajfa-7687	107	227	2.4	2.4	NUM
ajfa-7687	107	228	2.1	2.1	NUM
ajfa-7687	107	229	israel	israel	PROPN
ajfa-7687	107	230	8.2	8.2	NUM
ajfa-7687	107	231	2.4	2.4	NUM
ajfa-7687	107	232	2.6	2.6	NUM
ajfa-7687	107	233	2.5	2.5	NUM
ajfa-7687	107	234	2.3	2.3	NUM
ajfa-7687	107	235	2	2	NUM
ajfa-7687	107	236	1.5	1.5	NUM
ajfa-7687	107	237	1.5	1.5	NUM
ajfa-7687	107	238	1.4	1.4	NUM
ajfa-7687	107	239	3.1	3.1	NUM
ajfa-7687	107	240	2.5	2.5	NUM
ajfa-7687	107	241	2.4	2.4	NUM
ajfa-7687	107	242	2.4	2.4	NUM
ajfa-7687	107	243	philippines	philippine	NOUN
ajfa-7687	107	244	27.7	27.7	NUM
ajfa-7687	107	245	26.5	26.5	NUM
ajfa-7687	107	246	16.1	16.1	NUM
ajfa-7687	107	247	14.4	14.4	NUM
ajfa-7687	107	248	10	10	NUM
ajfa-7687	107	249	7.5	7.5	NUM
ajfa-7687	107	250	5.8	5.8	NUM
ajfa-7687	107	251	4.5	4.5	NUM
ajfa-7687	107	252	3.5	3.5	NUM
ajfa-7687	107	253	3.4	3.4	NUM
ajfa-7687	107	254	2.6	2.6	NUM
ajfa-7687	107	255	2.4	2.4	NUM
ajfa-7687	107	256	3	3	NUM
ajfa-7687	107	257	turkey	turkey	NOUN
ajfa-7687	107	258	29.3	29.3	NUM
ajfa-7687	107	259	12.7	12.7	NUM
ajfa-7687	107	260	11.5	11.5	NUM
ajfa-7687	107	261	6	6	NUM
ajfa-7687	107	262	5	5	NUM
ajfa-7687	107	263	3.9	3.9	NUM
ajfa-7687	107	264	3.3	3.3	NUM
ajfa-7687	107	265	3.4	3.4	NUM
ajfa-7687	107	266	5	5	NUM
ajfa-7687	107	267	3.5	3.5	NUM
ajfa-7687	107	268	2.6	2.6	NUM
ajfa-7687	107	269	2.5	2.5	NUM
ajfa-7687	107	270	2.6	2.6	NUM
ajfa-7687	107	271	austria	austria	NOUN
ajfa-7687	107	272	2.3	2.3	NUM
ajfa-7687	107	273	3	3	NUM
ajfa-7687	107	274	3	3	NUM
ajfa-7687	107	275	2.7	2.7	NUM
ajfa-7687	108	1	2.6	2.6	NUM
ajfa-7687	108	2	2.7	2.7	NUM
ajfa-7687	108	3	2.2	2.2	NUM
ajfa-7687	108	4	1.9	1.9	NUM
ajfa-7687	108	5	2.3	2.3	NUM
ajfa-7687	108	6	2.8	2.8	NUM
ajfa-7687	108	7	2.7	2.7	NUM
ajfa-7687	108	8	2.7	2.7	NUM
ajfa-7687	108	9	2.9	2.9	NUM
ajfa-7687	108	10	thailand	thailand	PROPN
ajfa-7687	108	11	11.5	11.5	NUM
ajfa-7687	108	12	15.7	15.7	NUM
ajfa-7687	108	13	13.5	13.5	NUM
ajfa-7687	108	14	11.9	11.9	NUM
ajfa-7687	108	15	9.1	9.1	NUM
ajfa-7687	108	16	8.1	8.1	NUM
ajfa-7687	108	17	7.9	7.9	NUM
ajfa-7687	108	18	5.7	5.7	NUM
ajfa-7687	108	19	5.3	5.3	NUM
ajfa-7687	108	20	3.9	3.9	NUM
ajfa-7687	108	21	2.9	2.9	NUM
ajfa-7687	108	22	2.7	2.7	NUM
ajfa-7687	108	23	2.3	2.3	NUM
ajfa-7687	108	24	colombia	colombia	NOUN
ajfa-7687	108	25	9.7	9.7	NUM
ajfa-7687	108	26	8.7	8.7	NUM
ajfa-7687	108	27	6.8	6.8	NUM
ajfa-7687	108	28	3.3	3.3	NUM
ajfa-7687	108	29	2.7	2.7	NUM
ajfa-7687	108	30	2.7	2.7	NUM
ajfa-7687	108	31	3.2	3.2	NUM
ajfa-7687	108	32	3.9	3.9	NUM
ajfa-7687	108	33	4	4	NUM
ajfa-7687	108	34	2.9	2.9	NUM
ajfa-7687	108	35	2.5	2.5	NUM
ajfa-7687	108	36	3	3	NUM
ajfa-7687	108	37	2.8	2.8	NUM
ajfa-7687	108	38	japan	japan	PROPN
ajfa-7687	108	39	8.4	8.4	NUM
ajfa-7687	108	40	7.4	7.4	NUM
ajfa-7687	108	41	5.2	5.2	NUM
ajfa-7687	108	42	2.9	2.9	NUM
ajfa-7687	108	43	1.8	1.8	NUM
ajfa-7687	108	44	1.5	1.5	NUM
ajfa-7687	108	45	1.5	1.5	NUM
ajfa-7687	108	46	1.4	1.4	NUM
ajfa-7687	108	47	1.6	1.6	NUM
ajfa-7687	108	48	2.5	2.5	NUM
ajfa-7687	108	49	2.4	2.4	NUM
ajfa-7687	108	50	2.3	2.3	NUM
ajfa-7687	108	51	india	india	NOUN
ajfa-7687	108	52	11.4	11.4	NUM
ajfa-7687	108	53	10.4	10.4	NUM
ajfa-7687	108	54	8.8	8.8	NUM
ajfa-7687	108	55	7.2	7.2	NUM
ajfa-7687	108	56	5.2	5.2	NUM
ajfa-7687	108	57	3.3	3.3	NUM
ajfa-7687	108	58	2.7	2.7	NUM
ajfa-7687	108	59	2.4	2.4	NUM
ajfa-7687	108	60	2.4	2.4	NUM
ajfa-7687	108	61	2.5	2.5	NUM
ajfa-7687	108	62	2.3	2.3	NUM
ajfa-7687	108	63	3	3	NUM
ajfa-7687	108	64	3.8	3.8	NUM
ajfa-7687	108	65	netherlands	netherlands	PROPN
ajfa-7687	108	66	2.3	2.3	NUM
ajfa-7687	108	67	2.4	2.4	NUM
ajfa-7687	108	68	2	2	NUM
ajfa-7687	108	69	1.5	1.5	NUM
ajfa-7687	108	70	1.2	1.2	NUM
ajfa-7687	108	71	1.7	1.7	NUM
ajfa-7687	108	72	3.2	3.2	NUM
ajfa-7687	108	73	2.8	2.8	NUM
ajfa-7687	108	74	2.7	2.7	NUM
ajfa-7687	108	75	3.1	3.1	NUM
ajfa-7687	108	76	3.2	3.2	NUM
ajfa-7687	108	77	brazil	brazil	PROPN
ajfa-7687	108	78	5.6	5.6	NUM
ajfa-7687	108	79	4.5	4.5	NUM
ajfa-7687	108	80	4.1	4.1	NUM
ajfa-7687	108	81	2.9	2.9	NUM
ajfa-7687	108	82	3.5	3.5	NUM
ajfa-7687	108	83	3.5	3.5	NUM
ajfa-7687	108	84	3	3	NUM
ajfa-7687	108	85	3.1	3.1	NUM
ajfa-7687	108	86	4.2	4.2	NUM
ajfa-7687	108	87	3.1	3.1	NUM
ajfa-7687	108	88	3.5	3.5	NUM
ajfa-7687	108	89	3.6	3.6	NUM
ajfa-7687	108	90	2.9	2.9	NUM
ajfa-7687	108	91	belarus	belarus	NOUN
ajfa-7687	108	92	14.9	14.9	NUM
ajfa-7687	108	93	9	9	NUM
ajfa-7687	108	94	3.7	3.7	NUM
ajfa-7687	108	95	2.8	2.8	NUM
ajfa-7687	108	96	3.1	3.1	NUM
ajfa-7687	108	97	2.8	2.8	NUM
ajfa-7687	108	98	1.9	1.9	NUM
ajfa-7687	108	99	1.7	1.7	NUM
ajfa-7687	108	100	4.2	4.2	NUM
ajfa-7687	108	101	3.5	3.5	NUM
ajfa-7687	108	102	4.2	4.2	NUM
ajfa-7687	108	103	3.9	3.9	NUM
ajfa-7687	108	104	4.6	4.6	NUM
ajfa-7687	108	105	united	united	ADJ
ajfa-7687	108	106	states	states	PROPN
ajfa-7687	108	107	1.3	1.3	NUM
ajfa-7687	108	108	1.4	1.4	NUM
ajfa-7687	108	109	1.1	1.1	NUM
ajfa-7687	108	110	0.8	0.8	NUM
ajfa-7687	108	111	0.7	0.7	NUM
ajfa-7687	108	112	0.8	0.8	NUM
ajfa-7687	108	113	1.4	1.4	NUM
ajfa-7687	108	114	3	3	NUM
ajfa-7687	108	115	5.4	5.4	NUM
ajfa-7687	108	116	4.9	4.9	NUM
ajfa-7687	108	117	4.1	4.1	NUM
ajfa-7687	108	118	3.9	3.9	NUM
ajfa-7687	108	119	3.2	3.2	NUM
ajfa-7687	108	120	south	south	PROPN
ajfa-7687	108	121	africa	africa	PROPN
ajfa-7687	108	122	3.1	3.1	NUM
ajfa-7687	108	123	2.8	2.8	NUM
ajfa-7687	108	124	2.4	2.4	NUM
ajfa-7687	108	125	1.8	1.8	NUM
ajfa-7687	108	126	1.5	1.5	NUM
ajfa-7687	108	127	1.1	1.1	NUM
ajfa-7687	108	128	1.4	1.4	NUM
ajfa-7687	108	129	3.9	3.9	NUM
ajfa-7687	108	130	5.9	5.9	NUM
ajfa-7687	108	131	5.8	5.8	NUM
ajfa-7687	108	132	4.7	4.7	NUM
ajfa-7687	108	133	4.6	4.6	NUM
ajfa-7687	108	134	3.6	3.6	NUM
ajfa-7687	108	135	czech	czech	PROPN
ajfa-7687	108	136	republic	republic	NOUN
ajfa-7687	108	137	13.7	13.7	NUM
ajfa-7687	108	138	8.1	8.1	NUM
ajfa-7687	108	139	4.9	4.9	NUM
ajfa-7687	108	140	4	4	NUM
ajfa-7687	108	141	3.9	3.9	NUM
ajfa-7687	108	142	3.6	3.6	NUM
ajfa-7687	108	143	2.4	2.4	NUM
ajfa-7687	108	144	2.8	2.8	NUM
ajfa-7687	108	145	4.6	4.6	NUM
ajfa-7687	108	146	5.4	5.4	NUM
ajfa-7687	108	147	5.2	5.2	NUM
ajfa-7687	108	148	5.1	5.1	NUM
ajfa-7687	108	149	5.2	5.2	NUM
ajfa-7687	108	150	russian	russian	ADJ
ajfa-7687	108	151	federation	federation	PROPN
ajfa-7687	108	152	6.2	6.2	NUM
ajfa-7687	108	153	5.6	5.6	NUM
ajfa-7687	108	154	5	5	NUM
ajfa-7687	108	155	3.8	3.8	NUM
ajfa-7687	108	156	2.6	2.6	NUM
ajfa-7687	108	157	2.4	2.4	NUM
ajfa-7687	108	158	2.5	2.5	NUM
ajfa-7687	108	159	3.8	3.8	NUM
ajfa-7687	108	160	9.5	9.5	NUM
ajfa-7687	108	161	8.2	8.2	NUM
ajfa-7687	108	162	6.6	6.6	NUM
ajfa-7687	108	163	6.7	6.7	NUM
ajfa-7687	108	164	6	6	NUM
ajfa-7687	108	165	united	united	PROPN
ajfa-7687	108	166	arab	arab	PROPN
ajfa-7687	108	167	emirates	emirates	PROPN
ajfa-7687	108	168	15.7	15.7	NUM
ajfa-7687	108	169	15.3	15.3	NUM
ajfa-7687	108	170	14.3	14.3	NUM
ajfa-7687	108	171	12.5	12.5	NUM
ajfa-7687	108	172	8.3	8.3	NUM
ajfa-7687	108	173	6.3	6.3	NUM
ajfa-7687	108	174	2.9	2.9	NUM
ajfa-7687	108	175	2.3	2.3	NUM
ajfa-7687	108	176	4.3	4.3	NUM
ajfa-7687	108	177	5.6	5.6	NUM
ajfa-7687	108	178	6.2	6.2	NUM
ajfa-7687	108	179	7.6	7.6	NUM
ajfa-7687	108	180	8.4	8.4	NUM
ajfa-7687	108	181	poland	poland	NOUN
ajfa-7687	108	182	21.1	21.1	NUM
ajfa-7687	108	183	21.2	21.2	NUM
ajfa-7687	108	184	14.9	14.9	NUM
ajfa-7687	108	185	11	11	NUM
ajfa-7687	108	186	7.4	7.4	NUM
ajfa-7687	108	187	5.2	5.2	NUM
ajfa-7687	108	188	4.4	4.4	NUM
ajfa-7687	108	189	7.9	7.9	NUM
ajfa-7687	108	190	8.8	8.8	NUM
ajfa-7687	108	191	8.2	8.2	NUM
ajfa-7687	108	192	8.4	8.4	NUM
ajfa-7687	108	193	5.2	5.2	NUM
ajfa-7687	108	194	portugal	portugal	PROPN
ajfa-7687	108	195	2.1	2.1	NUM
ajfa-7687	108	196	2.3	2.3	NUM
ajfa-7687	108	197	2.4	2.4	NUM
ajfa-7687	108	198	2	2	NUM
ajfa-7687	108	199	1.5	1.5	NUM
ajfa-7687	108	200	1.3	1.3	NUM
ajfa-7687	108	201	2.8	2.8	NUM
ajfa-7687	108	202	3.6	3.6	NUM
ajfa-7687	108	203	4.8	4.8	NUM
ajfa-7687	108	204	5.2	5.2	NUM
ajfa-7687	108	205	7.5	7.5	NUM
ajfa-7687	108	206	9	9	NUM
ajfa-7687	108	207	11	11	NUM
ajfa-7687	108	208	egypt	egypt	PROPN
ajfa-7687	108	209	,	,	PUNCT
ajfa-7687	108	210	arab	arab	PROPN
ajfa-7687	108	211	rep	rep	PROPN
ajfa-7687	108	212	.	.	PROPN
ajfa-7687	108	213	16.9	16.9	NUM
ajfa-7687	108	214	20.2	20.2	NUM
ajfa-7687	108	215	24.2	24.2	NUM
ajfa-7687	108	216	23.6	23.6	NUM
ajfa-7687	108	217	26.5	26.5	NUM
ajfa-7687	108	218	18.2	18.2	NUM
ajfa-7687	108	219	19.3	19.3	NUM
ajfa-7687	108	220	14.8	14.8	NUM
ajfa-7687	108	221	13.4	13.4	NUM
ajfa-7687	108	222	13.6	13.6	NUM
ajfa-7687	108	223	10.9	10.9	NUM
ajfa-7687	108	224	10.7	10.7	NUM
ajfa-7687	108	225	9.5	9.5	NUM
ajfa-7687	108	226	croatia	croatia	PROPN
ajfa-7687	108	227	7.3	7.3	NUM
ajfa-7687	108	228	10.2	10.2	NUM
ajfa-7687	108	229	8.9	8.9	NUM
ajfa-7687	108	230	7.5	7.5	NUM
ajfa-7687	108	231	6.2	6.2	NUM
ajfa-7687	108	232	5.2	5.2	NUM
ajfa-7687	108	233	4.8	4.8	NUM
ajfa-7687	108	234	4.9	4.9	NUM
ajfa-7687	108	235	7.7	7.7	NUM
ajfa-7687	108	236	11.1	11.1	NUM
ajfa-7687	108	237	12.3	12.3	NUM
ajfa-7687	108	238	13.2	13.2	NUM
ajfa-7687	108	239	15.4	15.4	NUM
ajfa-7687	108	240	hungary	hungary	PROPN
ajfa-7687	108	241	2.7	2.7	NUM
ajfa-7687	108	242	2.9	2.9	NUM
ajfa-7687	108	243	2.6	2.6	NUM
ajfa-7687	108	244	2.7	2.7	NUM
ajfa-7687	108	245	2.3	2.3	NUM
ajfa-7687	108	246	2.6	2.6	NUM
ajfa-7687	108	247	2.3	2.3	NUM
ajfa-7687	108	248	3	3	NUM
ajfa-7687	108	249	6.7	6.7	NUM
ajfa-7687	108	250	9.8	9.8	NUM
ajfa-7687	108	251	13.4	13.4	NUM
ajfa-7687	108	252	15.8	15.8	NUM
ajfa-7687	108	253	17.6	17.6	NUM
ajfa-7687	108	254	romania	romania	PROPN
ajfa-7687	108	255	3.3	3.3	NUM
ajfa-7687	108	256	8.3	8.3	NUM
ajfa-7687	108	257	8.1	8.1	NUM
ajfa-7687	108	258	2.6	2.6	NUM
ajfa-7687	108	259	1.8	1.8	NUM
ajfa-7687	108	260	2.6	2.6	NUM
ajfa-7687	108	261	2.8	2.8	NUM
ajfa-7687	108	262	7.9	7.9	NUM
ajfa-7687	108	263	11.9	11.9	NUM
ajfa-7687	108	264	14.3	14.3	NUM
ajfa-7687	108	265	16.8	16.8	NUM
ajfa-7687	108	266	21.6	21.6	NUM
ajfa-7687	108	267	bulgaria	bulgaria	PROPN
ajfa-7687	108	268	3.3	3.3	NUM
ajfa-7687	108	269	2.6	2.6	NUM
ajfa-7687	108	270	3.2	3.2	NUM
ajfa-7687	108	271	2	2	NUM
ajfa-7687	108	272	2.2	2.2	NUM
ajfa-7687	108	273	2.2	2.2	NUM
ajfa-7687	108	274	2.1	2.1	NUM
ajfa-7687	108	275	2.5	2.5	NUM
ajfa-7687	108	276	6.4	6.4	NUM
ajfa-7687	108	277	11.9	11.9	NUM
ajfa-7687	108	278	14.9	14.9	NUM
ajfa-7687	108	279	16.9	16.9	NUM
ajfa-7687	108	280	greece	greece	PROPN
ajfa-7687	108	281	5.6	5.6	NUM
ajfa-7687	108	282	5.5	5.5	NUM
ajfa-7687	108	283	7	7	NUM
ajfa-7687	108	284	7	7	NUM
ajfa-7687	108	285	6.3	6.3	NUM
ajfa-7687	108	286	5.4	5.4	NUM
ajfa-7687	108	287	4.5	4.5	NUM
ajfa-7687	108	288	5	5	NUM
ajfa-7687	108	289	7.7	7.7	NUM
ajfa-7687	108	290	10.4	10.4	NUM
ajfa-7687	108	291	14.4	14.4	NUM
ajfa-7687	108	292	17.2	17.2	NUM
ajfa-7687	108	293	31.3	31.3	NUM
ajfa-7687	108	294	ireland	ireland	NOUN
ajfa-7687	108	295	1	1	NUM
ajfa-7687	108	296	1	1	NUM
ajfa-7687	108	297	0.9	0.9	NUM
ajfa-7687	108	298	0.8	0.8	NUM
ajfa-7687	108	299	0.7	0.7	NUM
ajfa-7687	108	300	0.7	0.7	NUM
ajfa-7687	108	301	0.8	0.8	NUM
ajfa-7687	108	302	2.6	2.6	NUM
ajfa-7687	108	303	9	9	NUM
ajfa-7687	108	304	8.6	8.6	NUM
ajfa-7687	108	305	16.1	16.1	NUM
ajfa-7687	108	306	18.7	18.7	NUM
ajfa-7687	108	307	24.6	24.6	NUM
ajfa-7687	108	308	asian	asian	ADJ
ajfa-7687	108	309	journal	journal	NOUN
ajfa-7687	108	310	of	of	ADP
ajfa-7687	108	311	finance	finance	PROPN
ajfa-7687	108	312	&	&	CCONJ
ajfa-7687	108	313	accounting	accounting	PROPN
ajfa-7687	108	314	issn	issn	PROPN
ajfa-7687	108	315	1946	1946	NUM
ajfa-7687	108	316	-	-	PUNCT
ajfa-7687	108	317	052x	052x	NOUN
ajfa-7687	108	318	2015	2015	NUM
ajfa-7687	108	319	,	,	PUNCT
ajfa-7687	108	320	vol	vol	NOUN
ajfa-7687	108	321	.	.	PROPN
ajfa-7687	108	322	7	7	NUM
ajfa-7687	108	323	,	,	PUNCT
ajfa-7687	108	324	no	no	INTJ
ajfa-7687	108	325	.	.	NOUN
ajfa-7687	108	326	1	1	NUM
ajfa-7687	108	327	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	108	328	192	192	NUM
ajfa-7687	108	329	source	source	NOUN
ajfa-7687	108	330	:	:	PUNCT
ajfa-7687	108	331	world	world	PROPN
ajfa-7687	108	332	bank	bank	PROPN
ajfa-7687	108	333	group	group	NOUN
ajfa-7687	108	334	(	(	PUNCT
ajfa-7687	108	335	2014	2014	NUM
ajfa-7687	108	336	)	)	PUNCT
ajfa-7687	108	337	,	,	PUNCT
ajfa-7687	108	338	imf	imf	PROPN
ajfa-7687	108	339	,	,	PUNCT
ajfa-7687	108	340	s.	s.	PROPN
ajfa-7687	108	341	,	,	PUNCT
ajfa-7687	108	342	&	&	CCONJ
ajfa-7687	108	343	soundness	soundness	NOUN
ajfa-7687	108	344	,	,	PUNCT
ajfa-7687	108	345	r.	r.	PROPN
ajfa-7687	108	346	f.	f.	PROPN
ajfa-7687	108	347	(	(	PUNCT
ajfa-7687	108	348	2013	2013	NUM
ajfa-7687	108	349	)	)	PUNCT
ajfa-7687	108	350	http://data.worldbank.org/indicator/fb.ast.nper.zs?order=wbapi_data_value_2013%20wbapi_data_value%20wbapi_dat	http://data.worldbank.org/indicator/fb.ast.nper.zs?order=wbapi_data_value_2013%20wbapi_data_value%20wbapi_dat	NOUN
ajfa-7687	108	351	a_value	a_value	NOUN
ajfa-7687	108	352	-	-	PUNCT
ajfa-7687	108	353	last&sort	last&sort	NOUN
ajfa-7687	108	354	=	=	NOUN
ajfa-7687	108	355	asc	asc	PROPN
ajfa-7687	108	356	clearly	clearly	ADV
ajfa-7687	108	357	,	,	PUNCT
ajfa-7687	109	1	while	while	SCONJ
ajfa-7687	109	2	india	india	PROPN
ajfa-7687	109	3	’s	’s	PART
ajfa-7687	109	4	bad	bad	ADJ
ajfa-7687	109	5	loans	loan	NOUN
ajfa-7687	109	6	problem	problem	NOUN
ajfa-7687	109	7	is	be	AUX
ajfa-7687	109	8	not	not	PART
ajfa-7687	109	9	as	as	ADV
ajfa-7687	109	10	severe	severe	ADJ
ajfa-7687	109	11	as	as	ADP
ajfa-7687	109	12	in	in	ADP
ajfa-7687	109	13	several	several	ADJ
ajfa-7687	109	14	other	other	ADJ
ajfa-7687	109	15	comparable	comparable	ADJ
ajfa-7687	109	16	economies	economy	NOUN
ajfa-7687	109	17	,	,	PUNCT
ajfa-7687	109	18	there	there	PRON
ajfa-7687	109	19	is	be	VERB
ajfa-7687	109	20	a	a	DET
ajfa-7687	109	21	need	need	NOUN
ajfa-7687	109	22	to	to	PART
ajfa-7687	109	23	manage	manage	VERB
ajfa-7687	109	24	npas	npas	NOUN
ajfa-7687	109	25	and	and	CCONJ
ajfa-7687	109	26	reduce	reduce	VERB
ajfa-7687	109	27	them	they	PRON
ajfa-7687	109	28	further	far	ADV
ajfa-7687	109	29	.	.	PUNCT
ajfa-7687	110	1	the	the	DET
ajfa-7687	110	2	problem	problem	NOUN
ajfa-7687	110	3	of	of	ADP
ajfa-7687	110	4	npas	npa	NOUN
ajfa-7687	110	5	when	when	SCONJ
ajfa-7687	110	6	ignored	ignore	VERB
ajfa-7687	110	7	has	have	VERB
ajfa-7687	110	8	the	the	DET
ajfa-7687	110	9	potential	potential	NOUN
ajfa-7687	110	10	of	of	ADP
ajfa-7687	110	11	causing	cause	VERB
ajfa-7687	110	12	economic	economic	ADJ
ajfa-7687	110	13	and	and	CCONJ
ajfa-7687	110	14	financial	financial	ADJ
ajfa-7687	110	15	deterioration	deterioration	NOUN
ajfa-7687	110	16	of	of	ADP
ajfa-7687	110	17	an	an	DET
ajfa-7687	110	18	economy	economy	NOUN
ajfa-7687	110	19	.	.	PUNCT
ajfa-7687	111	1	to	to	PART
ajfa-7687	111	2	tackle	tackle	VERB
ajfa-7687	111	3	the	the	DET
ajfa-7687	111	4	problem	problem	NOUN
ajfa-7687	111	5	,	,	PUNCT
ajfa-7687	111	6	the	the	DET
ajfa-7687	111	7	regulators	regulator	NOUN
ajfa-7687	111	8	have	have	AUX
ajfa-7687	111	9	initiated	initiate	VERB
ajfa-7687	111	10	several	several	ADJ
ajfa-7687	111	11	policy	policy	NOUN
ajfa-7687	111	12	responses	response	NOUN
ajfa-7687	111	13	,	,	PUNCT
ajfa-7687	111	14	which	which	PRON
ajfa-7687	111	15	are	be	AUX
ajfa-7687	111	16	discussed	discuss	VERB
ajfa-7687	111	17	in	in	ADP
ajfa-7687	111	18	the	the	DET
ajfa-7687	111	19	next	next	ADJ
ajfa-7687	111	20	section	section	NOUN
ajfa-7687	111	21	.	.	PUNCT
ajfa-7687	112	1	5	5	X
ajfa-7687	112	2	.	.	X
ajfa-7687	112	3	regulatory	regulatory	ADJ
ajfa-7687	112	4	response	response	NOUN
ajfa-7687	112	5	to	to	PART
ajfa-7687	112	6	npas	npas	VERB
ajfa-7687	112	7	several	several	ADJ
ajfa-7687	112	8	measures	measure	NOUN
ajfa-7687	112	9	have	have	AUX
ajfa-7687	112	10	been	be	AUX
ajfa-7687	112	11	implemented	implement	VERB
ajfa-7687	112	12	by	by	ADP
ajfa-7687	112	13	the	the	DET
ajfa-7687	112	14	rbi	rbi	NOUN
ajfa-7687	112	15	and	and	CCONJ
ajfa-7687	112	16	the	the	DET
ajfa-7687	112	17	government	government	NOUN
ajfa-7687	112	18	of	of	ADP
ajfa-7687	112	19	india	india	PROPN
ajfa-7687	112	20	to	to	PART
ajfa-7687	112	21	contain	contain	VERB
ajfa-7687	112	22	the	the	DET
ajfa-7687	112	23	level	level	NOUN
ajfa-7687	112	24	of	of	ADP
ajfa-7687	112	25	npas	npas	NOUN
ajfa-7687	112	26	.	.	PUNCT
ajfa-7687	113	1	these	these	PRON
ajfa-7687	113	2	include	include	VERB
ajfa-7687	113	3	debt	debt	NOUN
ajfa-7687	113	4	recovery	recovery	NOUN
ajfa-7687	113	5	tribunals	tribunal	NOUN
ajfa-7687	113	6	(	(	PUNCT
ajfa-7687	113	7	drts	drt	NOUN
ajfa-7687	113	8	)	)	PUNCT
ajfa-7687	113	9	,	,	PUNCT
ajfa-7687	113	10	corporate	corporate	ADJ
ajfa-7687	113	11	debt	debt	NOUN
ajfa-7687	113	12	restructuring	restructuring	NOUN
ajfa-7687	113	13	(	(	PUNCT
ajfa-7687	113	14	cdr	cdr	NOUN
ajfa-7687	113	15	)	)	PUNCT
ajfa-7687	113	16	scheme	scheme	NOUN
ajfa-7687	113	17	,	,	PUNCT
ajfa-7687	113	18	securitization	securitization	NOUN
ajfa-7687	113	19	and	and	CCONJ
ajfa-7687	113	20	reconstruction	reconstruction	NOUN
ajfa-7687	113	21	financial	financial	ADJ
ajfa-7687	113	22	assets	asset	NOUN
ajfa-7687	113	23	and	and	CCONJ
ajfa-7687	113	24	enforcement	enforcement	NOUN
ajfa-7687	113	25	of	of	ADP
ajfa-7687	113	26	security	security	NOUN
ajfa-7687	113	27	interest	interest	NOUN
ajfa-7687	113	28	(	(	PUNCT
ajfa-7687	113	29	safaesi	safaesi	PROPN
ajfa-7687	113	30	)	)	PUNCT
ajfa-7687	113	31	act	act	PROPN
ajfa-7687	113	32	,	,	PUNCT
ajfa-7687	113	33	and	and	CCONJ
ajfa-7687	113	34	asset	asset	NOUN
ajfa-7687	113	35	reconstruction	reconstruction	NOUN
ajfa-7687	113	36	companies	company	NOUN
ajfa-7687	113	37	(	(	PUNCT
ajfa-7687	113	38	arcs	arc	NOUN
ajfa-7687	113	39	)	)	PUNCT
ajfa-7687	113	40	.	.	PUNCT
ajfa-7687	114	1	settlement	settlement	NOUN
ajfa-7687	114	2	advisory	advisory	ADJ
ajfa-7687	114	3	committees	committee	NOUN
ajfa-7687	114	4	have	have	AUX
ajfa-7687	114	5	also	also	ADV
ajfa-7687	114	6	been	be	AUX
ajfa-7687	114	7	formed	form	VERB
ajfa-7687	114	8	at	at	ADP
ajfa-7687	114	9	regional	regional	ADJ
ajfa-7687	114	10	and	and	CCONJ
ajfa-7687	114	11	head	head	NOUN
ajfa-7687	114	12	office	office	NOUN
ajfa-7687	114	13	levels	level	NOUN
ajfa-7687	114	14	of	of	ADP
ajfa-7687	114	15	commercial	commercial	ADJ
ajfa-7687	114	16	banks	bank	NOUN
ajfa-7687	114	17	.	.	PUNCT
ajfa-7687	115	1	in	in	ADP
ajfa-7687	115	2	order	order	NOUN
ajfa-7687	115	3	to	to	PART
ajfa-7687	115	4	provide	provide	VERB
ajfa-7687	115	5	an	an	DET
ajfa-7687	115	6	additional	additional	ADJ
ajfa-7687	115	7	option	option	NOUN
ajfa-7687	115	8	to	to	ADP
ajfa-7687	115	9	banks	bank	NOUN
ajfa-7687	115	10	and	and	CCONJ
ajfa-7687	115	11	to	to	PART
ajfa-7687	115	12	develop	develop	VERB
ajfa-7687	115	13	a	a	DET
ajfa-7687	115	14	healthy	healthy	ADJ
ajfa-7687	115	15	secondary	secondary	ADJ
ajfa-7687	115	16	market	market	NOUN
ajfa-7687	115	17	for	for	ADP
ajfa-7687	115	18	npas	npa	NOUN
ajfa-7687	115	19	,	,	PUNCT
ajfa-7687	115	20	guidelines	guideline	NOUN
ajfa-7687	115	21	on	on	ADP
ajfa-7687	115	22	sale	sale	NOUN
ajfa-7687	115	23	/	/	SYM
ajfa-7687	115	24	purchase	purchase	NOUN
ajfa-7687	115	25	of	of	ADP
ajfa-7687	115	26	npas	npa	NOUN
ajfa-7687	115	27	were	be	AUX
ajfa-7687	115	28	issued	issue	VERB
ajfa-7687	115	29	in	in	ADP
ajfa-7687	115	30	july	july	PROPN
ajfa-7687	115	31	2005	2005	NUM
ajfa-7687	115	32	for	for	ADP
ajfa-7687	115	33	those	those	DET
ajfa-7687	115	34	institutions	institution	NOUN
ajfa-7687	115	35	which	which	PRON
ajfa-7687	115	36	are	be	AUX
ajfa-7687	115	37	not	not	PART
ajfa-7687	115	38	either	either	CCONJ
ajfa-7687	115	39	securitization	securitization	NOUN
ajfa-7687	115	40	companies	company	NOUN
ajfa-7687	115	41	or	or	CCONJ
ajfa-7687	115	42	reconstruction	reconstruction	NOUN
ajfa-7687	115	43	companies	company	NOUN
ajfa-7687	115	44	.	.	PUNCT
ajfa-7687	116	1	some	some	DET
ajfa-7687	116	2	other	other	ADJ
ajfa-7687	116	3	steps	step	NOUN
ajfa-7687	116	4	that	that	PRON
ajfa-7687	116	5	have	have	AUX
ajfa-7687	116	6	been	be	AUX
ajfa-7687	116	7	taken	take	VERB
ajfa-7687	116	8	to	to	PART
ajfa-7687	116	9	reduce	reduce	VERB
ajfa-7687	116	10	npas	npas	PROPN
ajfa-7687	116	11	are	be	AUX
ajfa-7687	116	12	:	:	PUNCT
ajfa-7687	116	13	improvement	improvement	NOUN
ajfa-7687	116	14	in	in	ADP
ajfa-7687	116	15	supervisory	supervisory	ADJ
ajfa-7687	116	16	mechanism	mechanism	NOUN
ajfa-7687	116	17	through	through	ADP
ajfa-7687	116	18	prompt	prompt	ADJ
ajfa-7687	116	19	corrective	corrective	ADJ
ajfa-7687	116	20	action	action	NOUN
ajfa-7687	116	21	(	(	PUNCT
ajfa-7687	116	22	pca	pca	PROPN
ajfa-7687	116	23	)	)	PUNCT
ajfa-7687	116	24	,	,	PUNCT
ajfa-7687	116	25	sharing	sharing	NOUN
ajfa-7687	116	26	of	of	ADP
ajfa-7687	116	27	borrower	borrower	NOUN
ajfa-7687	116	28	information	information	NOUN
ajfa-7687	116	29	among	among	ADP
ajfa-7687	116	30	banks	bank	NOUN
ajfa-7687	116	31	by	by	ADP
ajfa-7687	116	32	setting	set	VERB
ajfa-7687	116	33	up	up	ADP
ajfa-7687	116	34	of	of	ADP
ajfa-7687	116	35	credit	credit	NOUN
ajfa-7687	116	36	information	information	NOUN
ajfa-7687	116	37	bureau	bureau	PROPN
ajfa-7687	116	38	of	of	ADP
ajfa-7687	116	39	india	india	PROPN
ajfa-7687	116	40	limited(cibil	limited(cibil	PROPN
ajfa-7687	116	41	)	)	PUNCT
ajfa-7687	116	42	and	and	CCONJ
ajfa-7687	116	43	rewarding	rewarding	ADJ
ajfa-7687	116	44	low	low	ADJ
ajfa-7687	116	45	npa	npa	NOUN
ajfa-7687	116	46	banks	bank	NOUN
ajfa-7687	116	47	with	with	ADP
ajfa-7687	116	48	freedom	freedom	NOUN
ajfa-7687	116	49	in	in	ADP
ajfa-7687	116	50	dividend	dividend	NOUN
ajfa-7687	116	51	payments	payment	NOUN
ajfa-7687	116	52	to	to	ADP
ajfa-7687	116	53	the	the	DET
ajfa-7687	116	54	shareholders	shareholder	NOUN
ajfa-7687	116	55	.	.	PUNCT
ajfa-7687	117	1	with	with	ADP
ajfa-7687	117	2	regard	regard	NOUN
ajfa-7687	117	3	to	to	ADP
ajfa-7687	117	4	the	the	DET
ajfa-7687	117	5	first	first	ADJ
ajfa-7687	117	6	measure	measure	NOUN
ajfa-7687	117	7	mentioned	mention	VERB
ajfa-7687	117	8	,	,	PUNCT
ajfa-7687	117	9	rbi	rbi	PROPN
ajfa-7687	117	10	initiates	initiate	VERB
ajfa-7687	117	11	some	some	DET
ajfa-7687	117	12	structured	structured	ADJ
ajfa-7687	117	13	and	and	CCONJ
ajfa-7687	117	14	discretionary	discretionary	ADJ
ajfa-7687	117	15	actions	action	NOUN
ajfa-7687	117	16	against	against	ADP
ajfa-7687	117	17	those	those	DET
ajfa-7687	117	18	banks	bank	NOUN
ajfa-7687	117	19	which	which	PRON
ajfa-7687	117	20	have	have	AUX
ajfa-7687	117	21	hit	hit	VERB
ajfa-7687	117	22	certain	certain	ADJ
ajfa-7687	117	23	‘	'	PUNCT
ajfa-7687	117	24	trigger	trigger	NOUN
ajfa-7687	117	25	points	point	NOUN
ajfa-7687	117	26	’	'	PUNCT
ajfa-7687	117	27	on	on	ADP
ajfa-7687	117	28	three	three	NUM
ajfa-7687	117	29	parameters	parameter	NOUN
ajfa-7687	117	30	,	,	PUNCT
ajfa-7687	117	31	viz	viz	PROPN
ajfa-7687	117	32	.	.	PUNCT
ajfa-7687	117	33	crar	crar	PROPN
ajfa-7687	117	34	,	,	PUNCT
ajfa-7687	117	35	net	net	ADJ
ajfa-7687	117	36	npas	npas	PROPN
ajfa-7687	117	37	and	and	CCONJ
ajfa-7687	117	38	roa	roa	PROPN
ajfa-7687	117	39	.	.	PUNCT
ajfa-7687	118	1	the	the	DET
ajfa-7687	118	2	two	two	NUM
ajfa-7687	118	3	trigger	trigger	NOUN
ajfa-7687	118	4	points	point	NOUN
ajfa-7687	118	5	for	for	ADP
ajfa-7687	118	6	npas	npa	NOUN
ajfa-7687	118	7	are	be	AUX
ajfa-7687	118	8	10	10	NUM
ajfa-7687	118	9	per	per	ADP
ajfa-7687	118	10	cent	cent	NOUN
ajfa-7687	118	11	and	and	CCONJ
ajfa-7687	118	12	15	15	NUM
ajfa-7687	118	13	per	per	ADP
ajfa-7687	118	14	cent	cent	NOUN
ajfa-7687	118	15	beyond	beyond	ADP
ajfa-7687	118	16	which	which	PRON
ajfa-7687	118	17	the	the	DET
ajfa-7687	118	18	concerned	concerned	ADJ
ajfa-7687	118	19	bank	bank	NOUN
ajfa-7687	118	20	has	have	VERB
ajfa-7687	118	21	to	to	PART
ajfa-7687	118	22	implement	implement	VERB
ajfa-7687	118	23	measures	measure	NOUN
ajfa-7687	118	24	such	such	ADJ
ajfa-7687	118	25	as	as	ADP
ajfa-7687	118	26	a	a	DET
ajfa-7687	118	27	special	special	ADJ
ajfa-7687	118	28	drive	drive	NOUN
ajfa-7687	118	29	to	to	PART
ajfa-7687	118	30	reduce	reduce	VERB
ajfa-7687	118	31	npas	npas	NOUN
ajfa-7687	118	32	,	,	PUNCT
ajfa-7687	118	33	review	review	VERB
ajfa-7687	118	34	its	its	PRON
ajfa-7687	118	35	loan	loan	NOUN
ajfa-7687	118	36	and	and	CCONJ
ajfa-7687	118	37	credit	credit	NOUN
ajfa-7687	118	38	-	-	PUNCT
ajfa-7687	118	39	risk	risk	NOUN
ajfa-7687	118	40	management	management	NOUN
ajfa-7687	118	41	policies	policy	NOUN
ajfa-7687	118	42	,	,	PUNCT
ajfa-7687	118	43	not	not	PART
ajfa-7687	118	44	enter	enter	VERB
ajfa-7687	118	45	new	new	ADJ
ajfa-7687	118	46	lines	line	NOUN
ajfa-7687	118	47	of	of	ADP
ajfa-7687	118	48	business	business	NOUN
ajfa-7687	118	49	etc	etc	X
ajfa-7687	118	50	.	.	X
ajfa-7687	119	1	with	with	ADP
ajfa-7687	119	2	regard	regard	NOUN
ajfa-7687	119	3	to	to	ADP
ajfa-7687	119	4	the	the	DET
ajfa-7687	119	5	second	second	ADJ
ajfa-7687	119	6	measure	measure	NOUN
ajfa-7687	119	7	mentioned	mention	VERB
ajfa-7687	119	8	above	above	ADV
ajfa-7687	119	9	,	,	PUNCT
ajfa-7687	119	10	cibil	cibil	PROPN
ajfa-7687	119	11	is	be	AUX
ajfa-7687	119	12	a	a	DET
ajfa-7687	119	13	depository	depository	NOUN
ajfa-7687	119	14	of	of	ADP
ajfa-7687	119	15	information	information	NOUN
ajfa-7687	119	16	containing	contain	VERB
ajfa-7687	119	17	credit	credit	NOUN
ajfa-7687	119	18	history	history	NOUN
ajfa-7687	119	19	of	of	ADP
ajfa-7687	119	20	commercial	commercial	ADJ
ajfa-7687	119	21	and	and	CCONJ
ajfa-7687	119	22	consumer	consumer	NOUN
ajfa-7687	119	23	borrowers	borrower	NOUN
ajfa-7687	119	24	that	that	PRON
ajfa-7687	119	25	banks	bank	NOUN
ajfa-7687	119	26	can	can	AUX
ajfa-7687	119	27	use	use	VERB
ajfa-7687	119	28	in	in	ADP
ajfa-7687	119	29	evaluating	evaluate	VERB
ajfa-7687	119	30	their	their	PRON
ajfa-7687	119	31	risks	risk	NOUN
ajfa-7687	119	32	and	and	CCONJ
ajfa-7687	119	33	taking	take	VERB
ajfa-7687	119	34	their	their	PRON
ajfa-7687	119	35	credit	credit	NOUN
ajfa-7687	119	36	decisions	decision	NOUN
ajfa-7687	119	37	.	.	PUNCT
ajfa-7687	120	1	with	with	ADP
ajfa-7687	120	2	regard	regard	NOUN
ajfa-7687	120	3	to	to	ADP
ajfa-7687	120	4	the	the	DET
ajfa-7687	120	5	last	last	ADJ
ajfa-7687	120	6	measure	measure	NOUN
ajfa-7687	120	7	mentioned	mention	VERB
ajfa-7687	120	8	,	,	PUNCT
ajfa-7687	120	9	rbi	rbi	NOUN
ajfa-7687	120	10	has	have	AUX
ajfa-7687	120	11	granted	grant	VERB
ajfa-7687	120	12	general	general	ADJ
ajfa-7687	120	13	permission	permission	NOUN
ajfa-7687	120	14	to	to	ADP
ajfa-7687	120	15	those	those	DET
ajfa-7687	120	16	banks	bank	NOUN
ajfa-7687	120	17	to	to	PART
ajfa-7687	120	18	declare	declare	VERB
ajfa-7687	120	19	dividends	dividend	NOUN
ajfa-7687	120	20	(	(	PUNCT
ajfa-7687	120	21	subject	subject	ADJ
ajfa-7687	120	22	to	to	ADP
ajfa-7687	120	23	a	a	DET
ajfa-7687	120	24	cap	cap	NOUN
ajfa-7687	120	25	of	of	ADP
ajfa-7687	120	26	40	40	NUM
ajfa-7687	120	27	per	per	NOUN
ajfa-7687	120	28	cent	cent	NOUN
ajfa-7687	120	29	on	on	ADP
ajfa-7687	120	30	dividend	dividend	NOUN
ajfa-7687	120	31	payout	payout	NOUN
ajfa-7687	120	32	ratio	ratio	NOUN
ajfa-7687	120	33	)	)	PUNCT
ajfa-7687	120	34	for	for	ADP
ajfa-7687	120	35	the	the	DET
ajfa-7687	120	36	accounting	accounting	NOUN
ajfa-7687	120	37	year	year	NOUN
ajfa-7687	120	38	ended	end	VERB
ajfa-7687	120	39	31	31	NUM
ajfa-7687	120	40	march	march	NOUN
ajfa-7687	120	41	,	,	PUNCT
ajfa-7687	120	42	2005	2005	NUM
ajfa-7687	120	43	onwards	onwards	ADP
ajfa-7687	120	44	,	,	PUNCT
ajfa-7687	120	45	which	which	PRON
ajfa-7687	120	46	comply	comply	VERB
ajfa-7687	120	47	with	with	ADP
ajfa-7687	120	48	:	:	PUNCT
ajfa-7687	120	49	(	(	PUNCT
ajfa-7687	120	50	i	i	NOUN
ajfa-7687	120	51	)	)	PUNCT
ajfa-7687	120	52	crar	crar	NOUN
ajfa-7687	120	53	of	of	ADP
ajfa-7687	120	54	at	at	ADV
ajfa-7687	120	55	least	least	ADJ
ajfa-7687	120	56	9	9	NUM
ajfa-7687	120	57	per	per	ADP
ajfa-7687	120	58	cent	cent	NOUN
ajfa-7687	120	59	for	for	ADP
ajfa-7687	120	60	preceding	precede	VERB
ajfa-7687	120	61	two	two	NUM
ajfa-7687	120	62	years	year	NOUN
ajfa-7687	120	63	and	and	CCONJ
ajfa-7687	120	64	the	the	DET
ajfa-7687	120	65	accounting	accounting	NOUN
ajfa-7687	120	66	year	year	NOUN
ajfa-7687	120	67	for	for	ADP
ajfa-7687	120	68	which	which	PRON
ajfa-7687	120	69	it	it	PRON
ajfa-7687	120	70	proposes	propose	VERB
ajfa-7687	120	71	to	to	PART
ajfa-7687	120	72	declare	declare	VERB
ajfa-7687	120	73	dividend	dividend	NOUN
ajfa-7687	120	74	;	;	PUNCT
ajfa-7687	120	75	and	and	CCONJ
ajfa-7687	120	76	(	(	PUNCT
ajfa-7687	120	77	ii	ii	NOUN
ajfa-7687	120	78	)	)	PUNCT
ajfa-7687	120	79	net	net	ADJ
ajfa-7687	120	80	npa	npa	NOUN
ajfa-7687	120	81	ratio	ratio	NOUN
ajfa-7687	120	82	of	of	ADP
ajfa-7687	120	83	less	less	ADJ
ajfa-7687	120	84	than	than	ADP
ajfa-7687	120	85	7	7	NUM
ajfa-7687	120	86	per	per	ADP
ajfa-7687	120	87	cent	cent	NOUN
ajfa-7687	120	88	.	.	PUNCT
ajfa-7687	121	1	in	in	ADP
ajfa-7687	121	2	case	case	NOUN
ajfa-7687	121	3	any	any	DET
ajfa-7687	121	4	bank	bank	NOUN
ajfa-7687	121	5	does	do	AUX
ajfa-7687	121	6	not	not	PART
ajfa-7687	121	7	meet	meet	VERB
ajfa-7687	121	8	the	the	DET
ajfa-7687	121	9	above	above	ADJ
ajfa-7687	121	10	crar	crar	NOUN
ajfa-7687	121	11	norm	norm	NOUN
ajfa-7687	121	12	,	,	PUNCT
ajfa-7687	121	13	but	but	CCONJ
ajfa-7687	121	14	has	have	VERB
ajfa-7687	121	15	crar	crar	NOUN
ajfa-7687	121	16	of	of	ADP
ajfa-7687	121	17	at	at	ADV
ajfa-7687	121	18	least	least	ADJ
ajfa-7687	121	19	9	9	NUM
ajfa-7687	121	20	per	per	ADP
ajfa-7687	121	21	cent	cent	NOUN
ajfa-7687	121	22	for	for	ADP
ajfa-7687	121	23	the	the	DET
ajfa-7687	121	24	accounting	accounting	NOUN
ajfa-7687	121	25	year	year	NOUN
ajfa-7687	121	26	for	for	ADP
ajfa-7687	121	27	which	which	PRON
ajfa-7687	121	28	it	it	PRON
ajfa-7687	121	29	proposes	propose	VERB
ajfa-7687	121	30	to	to	PART
ajfa-7687	121	31	declare	declare	VERB
ajfa-7687	121	32	dividend	dividend	NOUN
ajfa-7687	121	33	,	,	PUNCT
ajfa-7687	121	34	it	it	PRON
ajfa-7687	121	35	is	be	AUX
ajfa-7687	121	36	allowed	allow	VERB
ajfa-7687	121	37	to	to	PART
ajfa-7687	121	38	declare	declare	VERB
ajfa-7687	121	39	dividend	dividend	NOUN
ajfa-7687	121	40	,	,	PUNCT
ajfa-7687	121	41	provided	provide	VERB
ajfa-7687	121	42	its	its	PRON
ajfa-7687	121	43	net	net	ADJ
ajfa-7687	121	44	npa	npa	NOUN
ajfa-7687	121	45	ratio	ratio	NOUN
ajfa-7687	121	46	is	be	AUX
ajfa-7687	121	47	less	less	ADJ
ajfa-7687	121	48	than	than	ADP
ajfa-7687	121	49	5	5	NUM
ajfa-7687	121	50	per	per	ADP
ajfa-7687	121	51	cent	cent	NOUN
ajfa-7687	121	52	.	.	PUNCT
ajfa-7687	122	1	thus	thus	ADV
ajfa-7687	122	2	,	,	PUNCT
ajfa-7687	122	3	banks	bank	NOUN
ajfa-7687	122	4	have	have	VERB
ajfa-7687	122	5	a	a	DET
ajfa-7687	122	6	variety	variety	NOUN
ajfa-7687	122	7	of	of	ADP
ajfa-7687	122	8	options	option	NOUN
ajfa-7687	122	9	and	and	CCONJ
ajfa-7687	122	10	legislations	legislation	NOUN
ajfa-7687	122	11	to	to	PART
ajfa-7687	122	12	take	take	VERB
ajfa-7687	122	13	recourse	recourse	NOUN
ajfa-7687	122	14	in	in	ADP
ajfa-7687	122	15	order	order	NOUN
ajfa-7687	122	16	to	to	PART
ajfa-7687	122	17	resolve	resolve	VERB
ajfa-7687	122	18	their	their	PRON
ajfa-7687	122	19	bad	bad	ADJ
ajfa-7687	122	20	loans	loan	NOUN
ajfa-7687	122	21	problem	problem	NOUN
ajfa-7687	122	22	.	.	PUNCT
ajfa-7687	123	1	there	there	PRON
ajfa-7687	123	2	are	be	VERB
ajfa-7687	123	3	also	also	ADV
ajfa-7687	123	4	supportive	supportive	ADJ
ajfa-7687	123	5	supervisory	supervisory	ADJ
ajfa-7687	123	6	mechanisms	mechanism	NOUN
ajfa-7687	123	7	available	available	ADJ
ajfa-7687	123	8	with	with	ADP
ajfa-7687	123	9	the	the	DET
ajfa-7687	123	10	rbi	rbi	NOUN
ajfa-7687	123	11	and	and	CCONJ
ajfa-7687	123	12	incentives	incentive	NOUN
ajfa-7687	123	13	provided	provide	VERB
ajfa-7687	123	14	to	to	ADP
ajfa-7687	123	15	banks	bank	NOUN
ajfa-7687	123	16	for	for	ADP
ajfa-7687	123	17	reducing	reduce	VERB
ajfa-7687	123	18	the	the	DET
ajfa-7687	123	19	level	level	NOUN
ajfa-7687	123	20	of	of	ADP
ajfa-7687	123	21	npas	npas	PROPN
ajfa-7687	123	22	.	.	PUNCT
ajfa-7687	124	1	asian	asian	ADJ
ajfa-7687	124	2	journal	journal	PROPN
ajfa-7687	124	3	of	of	ADP
ajfa-7687	124	4	finance	finance	PROPN
ajfa-7687	124	5	&	&	CCONJ
ajfa-7687	124	6	accounting	accounting	PROPN
ajfa-7687	124	7	issn	issn	PROPN
ajfa-7687	124	8	1946	1946	NUM
ajfa-7687	124	9	-	-	PUNCT
ajfa-7687	124	10	052x	052x	NOUN
ajfa-7687	124	11	2015	2015	NUM
ajfa-7687	124	12	,	,	PUNCT
ajfa-7687	124	13	vol	vol	NOUN
ajfa-7687	124	14	.	.	PROPN
ajfa-7687	124	15	7	7	NUM
ajfa-7687	124	16	,	,	PUNCT
ajfa-7687	124	17	no	no	INTJ
ajfa-7687	124	18	.	.	NOUN
ajfa-7687	124	19	1	1	NUM
ajfa-7687	124	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	124	21	193	193	NUM
ajfa-7687	124	22	5.1	5.1	NUM
ajfa-7687	124	23	the	the	DET
ajfa-7687	124	24	debt	debt	NOUN
ajfa-7687	124	25	recovery	recovery	NOUN
ajfa-7687	124	26	tribunal	tribunal	PROPN
ajfa-7687	124	27	act	act	PROPN
ajfa-7687	124	28	(	(	PUNCT
ajfa-7687	124	29	drtact	drtact	NOUN
ajfa-7687	124	30	)	)	PUNCT
ajfa-7687	124	31	coincident	coincident	NOUN
ajfa-7687	124	32	with	with	ADP
ajfa-7687	124	33	the	the	DET
ajfa-7687	124	34	first	first	ADJ
ajfa-7687	124	35	phase	phase	NOUN
ajfa-7687	124	36	of	of	ADP
ajfa-7687	124	37	banking	banking	NOUN
ajfa-7687	124	38	sector	sector	NOUN
ajfa-7687	124	39	reforms	reform	NOUN
ajfa-7687	124	40	,	,	PUNCT
ajfa-7687	124	41	one	one	NUM
ajfa-7687	124	42	of	of	ADP
ajfa-7687	124	43	the	the	DET
ajfa-7687	124	44	first	first	ADJ
ajfa-7687	124	45	legislations	legislation	NOUN
ajfa-7687	124	46	to	to	PART
ajfa-7687	124	47	address	address	VERB
ajfa-7687	124	48	the	the	DET
ajfa-7687	124	49	problem	problem	NOUN
ajfa-7687	124	50	of	of	ADP
ajfa-7687	124	51	npas	npas	NOUN
ajfa-7687	124	52	in	in	ADP
ajfa-7687	124	53	india	india	PROPN
ajfa-7687	124	54	was	be	AUX
ajfa-7687	124	55	the	the	DET
ajfa-7687	124	56	recovery	recovery	NOUN
ajfa-7687	124	57	of	of	ADP
ajfa-7687	124	58	debts	debt	NOUN
ajfa-7687	124	59	due	due	ADP
ajfa-7687	124	60	to	to	ADP
ajfa-7687	124	61	banks	bank	NOUN
ajfa-7687	124	62	and	and	CCONJ
ajfa-7687	124	63	financial	financial	ADJ
ajfa-7687	124	64	institutions	institution	NOUN
ajfa-7687	124	65	act	act	PROPN
ajfa-7687	124	66	,	,	PUNCT
ajfa-7687	124	67	1993	1993	NUM
ajfa-7687	124	68	,	,	PUNCT
ajfa-7687	124	69	which	which	PRON
ajfa-7687	124	70	came	come	VERB
ajfa-7687	124	71	into	into	ADP
ajfa-7687	124	72	force	force	NOUN
ajfa-7687	124	73	on	on	ADP
ajfa-7687	124	74	24th	24th	PROPN
ajfa-7687	124	75	june	june	PROPN
ajfa-7687	124	76	,	,	PUNCT
ajfa-7687	124	77	1993	1993	NUM
ajfa-7687	124	78	.	.	PUNCT
ajfa-7687	125	1	the	the	DET
ajfa-7687	125	2	act	act	NOUN
ajfa-7687	125	3	recommended	recommend	VERB
ajfa-7687	125	4	setting	set	VERB
ajfa-7687	125	5	up	up	ADP
ajfa-7687	125	6	of	of	ADP
ajfa-7687	125	7	drts	drt	NOUN
ajfa-7687	125	8	for	for	ADP
ajfa-7687	125	9	speedy	speedy	ADJ
ajfa-7687	125	10	adjudication	adjudication	NOUN
ajfa-7687	125	11	and	and	CCONJ
ajfa-7687	125	12	recovery	recovery	NOUN
ajfa-7687	125	13	of	of	ADP
ajfa-7687	125	14	debts	debt	NOUN
ajfa-7687	125	15	(	(	PUNCT
ajfa-7687	125	16	where	where	SCONJ
ajfa-7687	125	17	the	the	DET
ajfa-7687	125	18	claim	claim	NOUN
ajfa-7687	125	19	is	be	AUX
ajfa-7687	125	20	more	more	ADJ
ajfa-7687	125	21	than	than	ADP
ajfa-7687	125	22	rs	rs	PROPN
ajfa-7687	125	23	10	10	NUM
ajfa-7687	125	24	lakh	lakh	NOUN
ajfa-7687	125	25	)	)	PUNCT
ajfa-7687	125	26	due	due	ADP
ajfa-7687	125	27	to	to	ADP
ajfa-7687	125	28	banks	bank	NOUN
ajfa-7687	125	29	and	and	CCONJ
ajfa-7687	125	30	financial	financial	ADJ
ajfa-7687	125	31	institutions	institution	NOUN
ajfa-7687	125	32	(	(	PUNCT
ajfa-7687	125	33	fis	fis	PROPN
ajfa-7687	125	34	)	)	PUNCT
ajfa-7687	125	35	.	.	PUNCT
ajfa-7687	126	1	the	the	DET
ajfa-7687	126	2	act	act	NOUN
ajfa-7687	126	3	also	also	ADV
ajfa-7687	126	4	recommended	recommend	VERB
ajfa-7687	126	5	setting	set	VERB
ajfa-7687	126	6	up	up	ADP
ajfa-7687	126	7	debt	debt	NOUN
ajfa-7687	126	8	recovery	recovery	NOUN
ajfa-7687	126	9	appellate	appellate	ADJ
ajfa-7687	126	10	tribunals	tribunal	NOUN
ajfa-7687	126	11	(	(	PUNCT
ajfa-7687	126	12	drats	drats	NOUN
ajfa-7687	126	13	)	)	PUNCT
ajfa-7687	126	14	to	to	PART
ajfa-7687	126	15	entertain	entertain	VERB
ajfa-7687	126	16	appeals	appeal	NOUN
ajfa-7687	126	17	against	against	ADP
ajfa-7687	126	18	any	any	DET
ajfa-7687	126	19	order	order	NOUN
ajfa-7687	126	20	made	make	VERB
ajfa-7687	126	21	by	by	ADP
ajfa-7687	126	22	a	a	DET
ajfa-7687	126	23	drt	drt	NOUN
ajfa-7687	126	24	.	.	PUNCT
ajfa-7687	127	1	alongside	alongside	ADP
ajfa-7687	127	2	this	this	PRON
ajfa-7687	127	3	,	,	PUNCT
ajfa-7687	127	4	the	the	DET
ajfa-7687	127	5	rbi	rbi	NOUN
ajfa-7687	127	6	actively	actively	ADV
ajfa-7687	127	7	promoted	promote	VERB
ajfa-7687	127	8	the	the	DET
ajfa-7687	127	9	compromise	compromise	NOUN
ajfa-7687	127	10	settlements	settlement	NOUN
ajfa-7687	127	11	or	or	CCONJ
ajfa-7687	127	12	one	one	NUM
ajfa-7687	127	13	time	time	NOUN
ajfa-7687	127	14	settlements	settlement	NOUN
ajfa-7687	127	15	(	(	PUNCT
ajfa-7687	127	16	ots	ots	PROPN
ajfa-7687	127	17	)	)	PUNCT
ajfa-7687	127	18	to	to	PART
ajfa-7687	127	19	encourage	encourage	VERB
ajfa-7687	127	20	out	out	ADP
ajfa-7687	127	21	-	-	PUNCT
ajfa-7687	127	22	of	of	ADP
ajfa-7687	127	23	-	-	PUNCT
ajfa-7687	127	24	court	court	NOUN
ajfa-7687	127	25	settlements	settlement	NOUN
ajfa-7687	127	26	of	of	ADP
ajfa-7687	127	27	bad	bad	ADJ
ajfa-7687	127	28	debts	debt	NOUN
ajfa-7687	127	29	.	.	PUNCT
ajfa-7687	128	1	lok	lok	PROPN
ajfa-7687	128	2	adalats	adalat	NOUN
ajfa-7687	128	3	(	(	PUNCT
ajfa-7687	128	4	or	or	CCONJ
ajfa-7687	128	5	people	people	NOUN
ajfa-7687	128	6	’s	’s	PART
ajfa-7687	128	7	courts	court	NOUN
ajfa-7687	128	8	)	)	PUNCT
ajfa-7687	128	9	,	,	PUNCT
ajfa-7687	128	10	organized	organize	VERB
ajfa-7687	128	11	by	by	ADP
ajfa-7687	128	12	drts	drt	NOUN
ajfa-7687	128	13	,	,	PUNCT
ajfa-7687	128	14	help	help	VERB
ajfa-7687	128	15	banks	bank	NOUN
ajfa-7687	128	16	to	to	PART
ajfa-7687	128	17	settle	settle	VERB
ajfa-7687	128	18	disputes	dispute	NOUN
ajfa-7687	128	19	involving	involve	VERB
ajfa-7687	128	20	small	small	ADJ
ajfa-7687	128	21	loans	loan	NOUN
ajfa-7687	128	22	,	,	PUNCT
ajfa-7687	128	23	but	but	CCONJ
ajfa-7687	128	24	the	the	DET
ajfa-7687	128	25	ceiling	ceiling	NOUN
ajfa-7687	128	26	has	have	AUX
ajfa-7687	128	27	now	now	ADV
ajfa-7687	128	28	been	be	AUX
ajfa-7687	128	29	raised	raise	VERB
ajfa-7687	128	30	from	from	ADP
ajfa-7687	128	31	rs	rs	PROPN
ajfa-7687	128	32	5	5	NUM
ajfa-7687	128	33	lakh	lakh	NOUN
ajfa-7687	128	34	to	to	PART
ajfa-7687	128	35	rs	rs	VERB
ajfa-7687	128	36	20	20	NUM
ajfa-7687	128	37	lakh	lakh	NOUN
ajfa-7687	128	38	.	.	PUNCT
ajfa-7687	129	1	as	as	ADP
ajfa-7687	129	2	on	on	ADP
ajfa-7687	129	3	31	31	NUM
ajfa-7687	129	4	march	march	NOUN
ajfa-7687	129	5	,	,	PUNCT
ajfa-7687	129	6	2013	2013	NUM
ajfa-7687	129	7	,	,	PUNCT
ajfa-7687	129	8	there	there	PRON
ajfa-7687	129	9	were	be	VERB
ajfa-7687	129	10	29	29	NUM
ajfa-7687	129	11	drts	drt	NOUN
ajfa-7687	129	12	and	and	CCONJ
ajfa-7687	129	13	one	one	NUM
ajfa-7687	129	14	drat	drat	NOUN
ajfa-7687	129	15	in	in	ADP
ajfa-7687	129	16	india	india	PROPN
ajfa-7687	129	17	.	.	PUNCT
ajfa-7687	130	1	during	during	ADP
ajfa-7687	130	2	2013	2013	NUM
ajfa-7687	130	3	,	,	PUNCT
ajfa-7687	130	4	8,40,691	8,40,691	NUM
ajfa-7687	130	5	cases	case	NOUN
ajfa-7687	130	6	involving	involve	VERB
ajfa-7687	130	7	an	an	DET
ajfa-7687	130	8	amount	amount	NOUN
ajfa-7687	130	9	of	of	ADP
ajfa-7687	130	10	rs	rs	PROPN
ajfa-7687	130	11	6600	6600	NUM
ajfa-7687	130	12	crs	crs	PROPN
ajfa-7687	130	13	was	be	AUX
ajfa-7687	130	14	filed	file	VERB
ajfa-7687	130	15	in	in	ADP
ajfa-7687	130	16	lokadalats	lokadalat	NOUN
ajfa-7687	130	17	,	,	PUNCT
ajfa-7687	130	18	out	out	ADP
ajfa-7687	130	19	of	of	ADP
ajfa-7687	130	20	which	which	PRON
ajfa-7687	130	21	an	an	DET
ajfa-7687	130	22	amount	amount	NOUN
ajfa-7687	130	23	of	of	ADP
ajfa-7687	130	24	rs	rs	NOUN
ajfa-7687	130	25	400	400	NUM
ajfa-7687	130	26	crs	crs	NOUN
ajfa-7687	130	27	was	be	AUX
ajfa-7687	130	28	recovered	recover	VERB
ajfa-7687	130	29	(	(	PUNCT
ajfa-7687	130	30	rbi	rbi	NOUN
ajfa-7687	130	31	2012	2012	NUM
ajfa-7687	130	32	-	-	SYM
ajfa-7687	130	33	13	13	NUM
ajfa-7687	130	34	)	)	PUNCT
ajfa-7687	130	35	.	.	PUNCT
ajfa-7687	131	1	in	in	ADP
ajfa-7687	131	2	addition	addition	NOUN
ajfa-7687	131	3	to	to	ADP
ajfa-7687	131	4	the	the	DET
ajfa-7687	131	5	actual	actual	ADJ
ajfa-7687	131	6	recovery	recovery	NOUN
ajfa-7687	131	7	,	,	PUNCT
ajfa-7687	131	8	drts	drt	NOUN
ajfa-7687	131	9	are	be	AUX
ajfa-7687	131	10	one	one	NUM
ajfa-7687	131	11	of	of	ADP
ajfa-7687	131	12	the	the	DET
ajfa-7687	131	13	main	main	ADJ
ajfa-7687	131	14	factors	factor	NOUN
ajfa-7687	131	15	behind	behind	ADP
ajfa-7687	131	16	the	the	DET
ajfa-7687	131	17	defaulters	defaulter	NOUN
ajfa-7687	131	18	coming	come	VERB
ajfa-7687	131	19	forward	forward	ADV
ajfa-7687	131	20	for	for	ADP
ajfa-7687	131	21	ots	ots	PROPN
ajfa-7687	131	22	with	with	ADP
ajfa-7687	131	23	the	the	DET
ajfa-7687	131	24	banks	bank	NOUN
ajfa-7687	131	25	and	and	CCONJ
ajfa-7687	131	26	fis	fis	PROPN
ajfa-7687	131	27	.	.	PUNCT
ajfa-7687	132	1	during	during	ADP
ajfa-7687	132	2	2013	2013	NUM
ajfa-7687	132	3	,	,	PUNCT
ajfa-7687	132	4	13,408	13,408	NUM
ajfa-7687	132	5	cases	case	NOUN
ajfa-7687	132	6	involving	involve	VERB
ajfa-7687	132	7	an	an	DET
ajfa-7687	132	8	amount	amount	NOUN
ajfa-7687	132	9	of	of	ADP
ajfa-7687	132	10	rs	rs	PROPN
ajfa-7687	132	11	31000	31000	NUM
ajfa-7687	132	12	crs	crs	PROPN
ajfa-7687	132	13	was	be	AUX
ajfa-7687	132	14	filed	file	VERB
ajfa-7687	132	15	in	in	ADP
ajfa-7687	132	16	drts	drt	NOUN
ajfa-7687	132	17	,	,	PUNCT
ajfa-7687	132	18	out	out	ADP
ajfa-7687	132	19	of	of	ADP
ajfa-7687	132	20	which	which	PRON
ajfa-7687	132	21	an	an	DET
ajfa-7687	132	22	amount	amount	NOUN
ajfa-7687	132	23	of	of	ADP
ajfa-7687	132	24	rs	rs	PROPN
ajfa-7687	132	25	4400	4400	NUM
ajfa-7687	132	26	crs	crs	PROPN
ajfa-7687	132	27	was	be	AUX
ajfa-7687	132	28	,	,	PUNCT
ajfa-7687	132	29	recovered	recover	VERB
ajfa-7687	132	30	(	(	PUNCT
ajfa-7687	132	31	rbi	rbi	NOUN
ajfa-7687	132	32	2012	2012	NUM
ajfa-7687	132	33	-	-	SYM
ajfa-7687	132	34	13	13	NUM
ajfa-7687	132	35	)	)	PUNCT
ajfa-7687	132	36	.	.	PUNCT
ajfa-7687	133	1	5.2	5.2	NUM
ajfa-7687	133	2	.	.	PUNCT
ajfa-7687	134	1	the	the	DET
ajfa-7687	134	2	corporate	corporate	ADJ
ajfa-7687	134	3	debt	debt	NOUN
ajfa-7687	134	4	reconstruction	reconstruction	NOUN
ajfa-7687	134	5	scheme	scheme	NOUN
ajfa-7687	134	6	(	(	PUNCT
ajfa-7687	134	7	cdr	cdr	NOUN
ajfa-7687	134	8	)	)	PUNCT
ajfa-7687	134	9	on	on	ADP
ajfa-7687	134	10	23	23	NUM
ajfa-7687	134	11	august	august	PROPN
ajfa-7687	134	12	,	,	PUNCT
ajfa-7687	134	13	2001	2001	NUM
ajfa-7687	134	14	,	,	PUNCT
ajfa-7687	134	15	the	the	DET
ajfa-7687	134	16	rbi	rbi	NOUN
ajfa-7687	134	17	issued	issue	VERB
ajfa-7687	134	18	guidelines	guideline	NOUN
ajfa-7687	134	19	to	to	ADP
ajfa-7687	134	20	banks	bank	NOUN
ajfa-7687	134	21	and	and	CCONJ
ajfa-7687	134	22	financial	financial	ADJ
ajfa-7687	134	23	institutions	institution	NOUN
ajfa-7687	134	24	to	to	PART
ajfa-7687	134	25	implement	implement	VERB
ajfa-7687	134	26	cdr	cdr	NOUN
ajfa-7687	134	27	system	system	NOUN
ajfa-7687	134	28	.	.	PUNCT
ajfa-7687	135	1	cdr	cdr	PROPN
ajfa-7687	135	2	is	be	AUX
ajfa-7687	135	3	a	a	DET
ajfa-7687	135	4	voluntary	voluntary	ADJ
ajfa-7687	135	5	and	and	CCONJ
ajfa-7687	135	6	non	non	ADJ
ajfa-7687	135	7	-	-	ADJ
ajfa-7687	135	8	statutory	statutory	ADJ
ajfa-7687	135	9	arrangement	arrangement	NOUN
ajfa-7687	135	10	between	between	ADP
ajfa-7687	135	11	lenders	lender	NOUN
ajfa-7687	135	12	and	and	CCONJ
ajfa-7687	135	13	borrowers	borrower	NOUN
ajfa-7687	135	14	for	for	ADP
ajfa-7687	135	15	timely	timely	ADJ
ajfa-7687	135	16	and	and	CCONJ
ajfa-7687	135	17	orderly	orderly	ADJ
ajfa-7687	135	18	restructuring	restructuring	NOUN
ajfa-7687	135	19	of	of	ADP
ajfa-7687	135	20	debts	debt	NOUN
ajfa-7687	135	21	which	which	PRON
ajfa-7687	135	22	are	be	AUX
ajfa-7687	135	23	affected	affect	VERB
ajfa-7687	135	24	by	by	ADP
ajfa-7687	135	25	certain	certain	ADJ
ajfa-7687	135	26	internal	internal	ADJ
ajfa-7687	135	27	and	and	CCONJ
ajfa-7687	135	28	external	external	ADJ
ajfa-7687	135	29	factors	factor	NOUN
ajfa-7687	135	30	.	.	PUNCT
ajfa-7687	136	1	the	the	DET
ajfa-7687	136	2	corporate	corporate	ADJ
ajfa-7687	136	3	debt	debt	NOUN
ajfa-7687	136	4	restructuring	restructuring	NOUN
ajfa-7687	136	5	(	(	PUNCT
ajfa-7687	136	6	cdr	cdr	NOUN
ajfa-7687	136	7	)	)	PUNCT
ajfa-7687	136	8	cell	cell	NOUN
ajfa-7687	136	9	has	have	AUX
ajfa-7687	136	10	restructured	restructure	VERB
ajfa-7687	136	11	638	638	NUM
ajfa-7687	136	12	cases	case	NOUN
ajfa-7687	136	13	having	having	AUX
ajfa-7687	136	14	aggregate	aggregate	ADJ
ajfa-7687	136	15	debt	debt	NOUN
ajfa-7687	136	16	of	of	ADP
ajfa-7687	136	17	rs	rs	PROPN
ajfa-7687	136	18	446156	446156	NUM
ajfa-7687	136	19	crs	crs	NOUN
ajfa-7687	136	20	between	between	ADP
ajfa-7687	136	21	august	august	PROPN
ajfa-7687	136	22	2001	2001	NUM
ajfa-7687	136	23	and	and	CCONJ
ajfa-7687	136	24	september	september	PROPN
ajfa-7687	136	25	2014	2014	NUM
ajfa-7687	136	26	and	and	CCONJ
ajfa-7687	136	27	505	505	NUM
ajfa-7687	136	28	cases	case	NOUN
ajfa-7687	136	29	amounting	amount	VERB
ajfa-7687	136	30	rs	rs	PROPN
ajfa-7687	136	31	367607	367607	NUM
ajfa-7687	136	32	crs	crs	PROPN
ajfa-7687	136	33	were	be	AUX
ajfa-7687	136	34	approved	approve	VERB
ajfa-7687	136	35	(	(	PUNCT
ajfa-7687	136	36	cdr	cdr	NOUN
ajfa-7687	136	37	performance	performance	NOUN
ajfa-7687	136	38	,	,	PUNCT
ajfa-7687	136	39	2014	2014	NUM
ajfa-7687	136	40	)	)	PUNCT
ajfa-7687	136	41	.	.	PUNCT
ajfa-7687	137	1	5.3	5.3	NUM
ajfa-7687	137	2	.	.	PUNCT
ajfa-7687	138	1	the	the	DET
ajfa-7687	138	2	sarfaesi	sarfaesi	ADJ
ajfa-7687	138	3	act	act	NOUN
ajfa-7687	138	4	and	and	CCONJ
ajfa-7687	138	5	arc	arc	VERB
ajfa-7687	138	6	the	the	DET
ajfa-7687	138	7	sarfaesi	sarfaesi	ADJ
ajfa-7687	138	8	act	act	NOUN
ajfa-7687	138	9	was	be	AUX
ajfa-7687	138	10	passed	pass	VERB
ajfa-7687	138	11	on	on	ADP
ajfa-7687	138	12	21st	21st	PROPN
ajfa-7687	138	13	june	june	PROPN
ajfa-7687	138	14	,	,	PUNCT
ajfa-7687	138	15	2002	2002	NUM
ajfa-7687	138	16	to	to	PART
ajfa-7687	138	17	enable	enable	VERB
ajfa-7687	138	18	banks	bank	NOUN
ajfa-7687	138	19	and	and	CCONJ
ajfa-7687	138	20	fis	fis	VERB
ajfa-7687	138	21	to	to	PART
ajfa-7687	138	22	attach	attach	VERB
ajfa-7687	138	23	the	the	DET
ajfa-7687	138	24	assets	asset	NOUN
ajfa-7687	138	25	of	of	ADP
ajfa-7687	138	26	defaulting	default	VERB
ajfa-7687	138	27	borrowers	borrower	NOUN
ajfa-7687	138	28	without	without	ADP
ajfa-7687	138	29	having	have	VERB
ajfa-7687	138	30	to	to	PART
ajfa-7687	138	31	approach	approach	VERB
ajfa-7687	138	32	the	the	DET
ajfa-7687	138	33	courts	court	NOUN
ajfa-7687	138	34	for	for	ADP
ajfa-7687	138	35	recovery	recovery	NOUN
ajfa-7687	138	36	.	.	PUNCT
ajfa-7687	139	1	the	the	DET
ajfa-7687	139	2	act	act	NOUN
ajfa-7687	139	3	provides	provide	VERB
ajfa-7687	139	4	for	for	ADP
ajfa-7687	139	5	the	the	DET
ajfa-7687	139	6	sale	sale	NOUN
ajfa-7687	139	7	of	of	ADP
ajfa-7687	139	8	financial	financial	ADJ
ajfa-7687	139	9	assets	asset	NOUN
ajfa-7687	139	10	by	by	ADP
ajfa-7687	139	11	banks	bank	NOUN
ajfa-7687	139	12	and	and	CCONJ
ajfa-7687	139	13	financial	financial	ADJ
ajfa-7687	139	14	institutions	institution	NOUN
ajfa-7687	139	15	to	to	ADP
ajfa-7687	139	16	securitization	securitization	NOUN
ajfa-7687	139	17	companies	company	NOUN
ajfa-7687	139	18	(	(	PUNCT
ajfa-7687	139	19	scs	scs	ADJ
ajfa-7687	139	20	)	)	PUNCT
ajfa-7687	139	21	and	and	CCONJ
ajfa-7687	139	22	arcs	arc	NOUN
ajfa-7687	139	23	.	.	PUNCT
ajfa-7687	140	1	scs	scs	PROPN
ajfa-7687	140	2	and	and	CCONJ
ajfa-7687	140	3	arcs	arc	NOUN
ajfa-7687	140	4	are	be	AUX
ajfa-7687	140	5	institutions	institution	NOUN
ajfa-7687	140	6	that	that	PRON
ajfa-7687	140	7	acquire	acquire	VERB
ajfa-7687	140	8	npas	npas	NOUN
ajfa-7687	140	9	from	from	ADP
ajfa-7687	140	10	fis	fis	PROPN
ajfa-7687	140	11	and	and	CCONJ
ajfa-7687	140	12	bank	bank	NOUN
ajfa-7687	140	13	with	with	ADP
ajfa-7687	140	14	the	the	DET
ajfa-7687	140	15	objective	objective	NOUN
ajfa-7687	140	16	of	of	ADP
ajfa-7687	140	17	recovery	recovery	NOUN
ajfa-7687	140	18	thereby	thereby	ADV
ajfa-7687	140	19	taking	take	VERB
ajfa-7687	140	20	up	up	ADP
ajfa-7687	140	21	their	their	PRON
ajfa-7687	140	22	burden	burden	NOUN
ajfa-7687	140	23	of	of	ADP
ajfa-7687	140	24	npas	npas	NOUN
ajfa-7687	140	25	.	.	PUNCT
ajfa-7687	141	1	the	the	DET
ajfa-7687	141	2	first	first	ADJ
ajfa-7687	141	3	arc	arc	NOUN
ajfa-7687	141	4	,	,	PUNCT
ajfa-7687	141	5	asset	asset	NOUN
ajfa-7687	141	6	reconstruction	reconstruction	NOUN
ajfa-7687	141	7	company	company	NOUN
ajfa-7687	141	8	(	(	PUNCT
ajfa-7687	141	9	india	india	PROPN
ajfa-7687	141	10	)	)	PUNCT
ajfa-7687	141	11	limited	limited	PROPN
ajfa-7687	141	12	(	(	PUNCT
ajfa-7687	141	13	arcil	arcil	NOUN
ajfa-7687	141	14	)	)	PUNCT
ajfa-7687	141	15	was	be	AUX
ajfa-7687	141	16	also	also	ADV
ajfa-7687	141	17	set	set	VERB
ajfa-7687	141	18	up	up	ADP
ajfa-7687	141	19	under	under	ADP
ajfa-7687	141	20	the	the	DET
ajfa-7687	141	21	act	act	NOUN
ajfa-7687	141	22	and	and	CCONJ
ajfa-7687	141	23	commenced	commence	VERB
ajfa-7687	141	24	business	business	NOUN
ajfa-7687	141	25	on	on	ADP
ajfa-7687	141	26	29th	29th	ADJ
ajfa-7687	141	27	august	august	PROPN
ajfa-7687	141	28	,	,	PUNCT
ajfa-7687	141	29	2003	2003	NUM
ajfa-7687	141	30	.	.	PUNCT
ajfa-7687	142	1	this	this	DET
ajfa-7687	142	2	act	act	NOUN
ajfa-7687	142	3	was	be	AUX
ajfa-7687	142	4	later	later	ADV
ajfa-7687	142	5	amended	amend	VERB
ajfa-7687	142	6	through	through	ADP
ajfa-7687	142	7	the	the	DET
ajfa-7687	142	8	enforcement	enforcement	NOUN
ajfa-7687	142	9	of	of	ADP
ajfa-7687	142	10	security	security	NOUN
ajfa-7687	142	11	interest	interest	NOUN
ajfa-7687	142	12	and	and	CCONJ
ajfa-7687	142	13	recovery	recovery	NOUN
ajfa-7687	142	14	of	of	ADP
ajfa-7687	142	15	debts	debt	NOUN
ajfa-7687	142	16	(	(	PUNCT
ajfa-7687	142	17	amendment	amendment	NOUN
ajfa-7687	142	18	)	)	PUNCT
ajfa-7687	142	19	act	act	NOUN
ajfa-7687	142	20	2004	2004	NUM
ajfa-7687	142	21	,	,	PUNCT
ajfa-7687	142	22	which	which	PRON
ajfa-7687	142	23	was	be	AUX
ajfa-7687	142	24	passed	pass	VERB
ajfa-7687	142	25	on	on	ADP
ajfa-7687	142	26	29th	29th	ADJ
ajfa-7687	142	27	december	december	PROPN
ajfa-7687	142	28	,	,	PUNCT
ajfa-7687	142	29	2004	2004	NUM
ajfa-7687	142	30	.	.	PUNCT
ajfa-7687	143	1	the	the	DET
ajfa-7687	143	2	new	new	ADJ
ajfa-7687	143	3	act	act	NOUN
ajfa-7687	143	4	made	make	VERB
ajfa-7687	143	5	it	it	PRON
ajfa-7687	143	6	mandatory	mandatory	ADJ
ajfa-7687	143	7	for	for	ADP
ajfa-7687	143	8	the	the	DET
ajfa-7687	143	9	borrowers	borrower	NOUN
ajfa-7687	143	10	who	who	PRON
ajfa-7687	143	11	appeal	appeal	VERB
ajfa-7687	143	12	to	to	PART
ajfa-7687	143	13	drat	drat	VERB
ajfa-7687	143	14	to	to	PART
ajfa-7687	143	15	deposit	deposit	VERB
ajfa-7687	143	16	upfront	upfront	ADJ
ajfa-7687	143	17	50	50	NUM
ajfa-7687	143	18	percent	percent	NOUN
ajfa-7687	143	19	of	of	ADP
ajfa-7687	143	20	the	the	DET
ajfa-7687	143	21	amount	amount	NOUN
ajfa-7687	143	22	involved	involve	VERB
ajfa-7687	143	23	in	in	ADP
ajfa-7687	143	24	the	the	DET
ajfa-7687	143	25	dispute	dispute	NOUN
ajfa-7687	143	26	.	.	PUNCT
ajfa-7687	144	1	this	this	PRON
ajfa-7687	144	2	is	be	AUX
ajfa-7687	144	3	expected	expect	VERB
ajfa-7687	144	4	to	to	PART
ajfa-7687	144	5	restrict	restrict	VERB
ajfa-7687	144	6	borrowers	borrower	NOUN
ajfa-7687	144	7	from	from	ADP
ajfa-7687	144	8	delaying	delay	VERB
ajfa-7687	144	9	repayments	repayment	NOUN
ajfa-7687	144	10	under	under	ADP
ajfa-7687	144	11	the	the	DET
ajfa-7687	144	12	cover	cover	NOUN
ajfa-7687	144	13	of	of	ADP
ajfa-7687	144	14	trivial	trivial	ADJ
ajfa-7687	144	15	cases	case	NOUN
ajfa-7687	144	16	.	.	PUNCT
ajfa-7687	145	1	recoveries	recovery	NOUN
ajfa-7687	145	2	under	under	ADP
ajfa-7687	145	3	the	the	DET
ajfa-7687	145	4	sarfaesi	sarfaesi	PROPN
ajfa-7687	145	5	act	act	PROPN
ajfa-7687	145	6	,	,	PUNCT
ajfa-7687	145	7	2002	2002	NUM
ajfa-7687	145	8	amounted	amount	VERB
ajfa-7687	145	9	to	to	ADP
ajfa-7687	145	10	rs	rs	PROPN
ajfa-7687	145	11	18500	18500	NUM
ajfa-7687	145	12	crore	crore	NOUN
ajfa-7687	145	13	as	as	ADP
ajfa-7687	145	14	at	at	ADP
ajfa-7687	145	15	end	end	NOUN
ajfa-7687	145	16	-	-	PUNCT
ajfa-7687	145	17	march	march	NOUN
ajfa-7687	145	18	2013	2013	NUM
ajfa-7687	145	19	(	(	PUNCT
ajfa-7687	145	20	table	table	NOUN
ajfa-7687	145	21	5	5	NUM
ajfa-7687	145	22	)	)	PUNCT
ajfa-7687	145	23	asian	asian	ADJ
ajfa-7687	145	24	journal	journal	NOUN
ajfa-7687	145	25	of	of	ADP
ajfa-7687	145	26	finance	finance	PROPN
ajfa-7687	145	27	&	&	CCONJ
ajfa-7687	145	28	accounting	accounting	PROPN
ajfa-7687	145	29	issn	issn	PROPN
ajfa-7687	145	30	1946	1946	NUM
ajfa-7687	145	31	-	-	PUNCT
ajfa-7687	145	32	052x	052x	NOUN
ajfa-7687	145	33	2015	2015	NUM
ajfa-7687	145	34	,	,	PUNCT
ajfa-7687	145	35	vol	vol	NOUN
ajfa-7687	145	36	.	.	PROPN
ajfa-7687	145	37	7	7	NUM
ajfa-7687	145	38	,	,	PUNCT
ajfa-7687	145	39	no	no	INTJ
ajfa-7687	145	40	.	.	NOUN
ajfa-7687	145	41	1	1	NUM
ajfa-7687	145	42	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	145	43	194	194	NUM
ajfa-7687	145	44	table	table	NOUN
ajfa-7687	145	45	5	5	NUM
ajfa-7687	145	46	.	.	PUNCT
ajfa-7687	146	1	npas	npa	VERB
ajfa-7687	146	2	recovered	recover	VERB
ajfa-7687	146	3	by	by	ADP
ajfa-7687	146	4	scheduled	schedule	VERB
ajfa-7687	146	5	commercial	commercial	ADJ
ajfa-7687	146	6	banks	bank	NOUN
ajfa-7687	146	7	through	through	ADP
ajfa-7687	146	8	various	various	ADJ
ajfa-7687	146	9	channels	channel	NOUN
ajfa-7687	146	10	source	source	NOUN
ajfa-7687	146	11	:	:	PUNCT
ajfa-7687	146	12	report	report	NOUN
ajfa-7687	146	13	of	of	ADP
ajfa-7687	146	14	trends	trend	NOUN
ajfa-7687	146	15	and	and	CCONJ
ajfa-7687	146	16	progress	progress	NOUN
ajfa-7687	146	17	of	of	ADP
ajfa-7687	146	18	banking	banking	NOUN
ajfa-7687	146	19	in	in	ADP
ajfa-7687	146	20	india	india	PROPN
ajfa-7687	146	21	by	by	ADP
ajfa-7687	146	22	rbi	rbi	X
ajfa-7687	146	23	(	(	PUNCT
ajfa-7687	146	24	2010	2010	NUM
ajfa-7687	146	25	-	-	SYM
ajfa-7687	146	26	2014	2014	NUM
ajfa-7687	146	27	)	)	PUNCT
ajfa-7687	146	28	6	6	NUM
ajfa-7687	146	29	.	.	PUNCT
ajfa-7687	147	1	determinants	determinant	NOUN
ajfa-7687	147	2	of	of	ADP
ajfa-7687	147	3	problem	problem	NOUN
ajfa-7687	147	4	loans	loan	NOUN
ajfa-7687	147	5	6.1	6.1	NUM
ajfa-7687	147	6	priority	priority	NOUN
ajfa-7687	147	7	sector	sector	NOUN
ajfa-7687	147	8	advances	advance	VERB
ajfa-7687	147	9	priority	priority	NOUN
ajfa-7687	147	10	sector	sector	NOUN
ajfa-7687	147	11	advances	advance	NOUN
ajfa-7687	147	12	is	be	AUX
ajfa-7687	147	13	a	a	DET
ajfa-7687	147	14	significant	significant	ADJ
ajfa-7687	147	15	feature	feature	NOUN
ajfa-7687	147	16	of	of	ADP
ajfa-7687	147	17	indian	indian	ADJ
ajfa-7687	147	18	banking	banking	NOUN
ajfa-7687	147	19	industry	industry	NOUN
ajfa-7687	147	20	since	since	SCONJ
ajfa-7687	147	21	nationalization	nationalization	NOUN
ajfa-7687	147	22	of	of	ADP
ajfa-7687	147	23	banks	bank	NOUN
ajfa-7687	147	24	in	in	ADP
ajfa-7687	147	25	1969	1969	NUM
ajfa-7687	147	26	and	and	CCONJ
ajfa-7687	147	27	proportion	proportion	NOUN
ajfa-7687	147	28	of	of	ADP
ajfa-7687	147	29	priority	priority	NOUN
ajfa-7687	147	30	sector	sector	NOUN
ajfa-7687	147	31	loans	loan	NOUN
ajfa-7687	147	32	in	in	ADP
ajfa-7687	147	33	total	total	ADJ
ajfa-7687	147	34	loans	loan	NOUN
ajfa-7687	147	35	(	(	PUNCT
ajfa-7687	147	36	pradv	pradv	NOUN
ajfa-7687	147	37	)	)	PUNCT
ajfa-7687	147	38	is	be	AUX
ajfa-7687	147	39	included	include	VERB
ajfa-7687	147	40	as	as	ADP
ajfa-7687	147	41	a	a	DET
ajfa-7687	147	42	determinant	determinant	ADJ
ajfa-7687	147	43	in	in	ADP
ajfa-7687	147	44	order	order	NOUN
ajfa-7687	147	45	to	to	PART
ajfa-7687	147	46	account	account	VERB
ajfa-7687	147	47	for	for	ADP
ajfa-7687	147	48	the	the	DET
ajfa-7687	147	49	argument	argument	NOUN
ajfa-7687	147	50	that	that	SCONJ
ajfa-7687	147	51	the	the	DET
ajfa-7687	147	52	priority	priority	NOUN
ajfa-7687	147	53	sector	sector	NOUN
ajfa-7687	147	54	loans	loan	NOUN
ajfa-7687	147	55	are	be	AUX
ajfa-7687	147	56	responsible	responsible	ADJ
ajfa-7687	147	57	for	for	ADP
ajfa-7687	147	58	the	the	DET
ajfa-7687	147	59	most	most	ADJ
ajfa-7687	147	60	number	number	NOUN
ajfa-7687	147	61	of	of	ADP
ajfa-7687	147	62	defaults	default	NOUN
ajfa-7687	147	63	(	(	PUNCT
ajfa-7687	147	64	narasimham	narasimham	PROPN
ajfa-7687	147	65	committee	committee	NOUN
ajfa-7687	147	66	report	report	NOUN
ajfa-7687	147	67	1998	1998	NUM
ajfa-7687	147	68	)	)	PUNCT
ajfa-7687	147	69	.	.	PUNCT
ajfa-7687	148	1	while	while	SCONJ
ajfa-7687	148	2	it	it	PRON
ajfa-7687	148	3	is	be	AUX
ajfa-7687	148	4	also	also	ADV
ajfa-7687	148	5	argued	argue	VERB
ajfa-7687	148	6	that	that	SCONJ
ajfa-7687	148	7	it	it	PRON
ajfa-7687	148	8	is	be	AUX
ajfa-7687	148	9	the	the	DET
ajfa-7687	148	10	non	non	ADJ
ajfa-7687	148	11	-	-	ADJ
ajfa-7687	148	12	priority	priority	ADJ
ajfa-7687	148	13	sector	sector	NOUN
ajfa-7687	148	14	that	that	PRON
ajfa-7687	148	15	contributes	contribute	VERB
ajfa-7687	148	16	to	to	ADP
ajfa-7687	148	17	the	the	DET
ajfa-7687	148	18	biggest	big	ADJ
ajfa-7687	148	19	defaults	default	NOUN
ajfa-7687	148	20	in	in	ADP
ajfa-7687	148	21	terms	term	NOUN
ajfa-7687	148	22	of	of	ADP
ajfa-7687	148	23	size	size	NOUN
ajfa-7687	148	24	,	,	PUNCT
ajfa-7687	148	25	controlling	control	VERB
ajfa-7687	148	26	for	for	ADP
ajfa-7687	148	27	this	this	DET
ajfa-7687	148	28	variable	variable	NOUN
ajfa-7687	148	29	appears	appear	VERB
ajfa-7687	148	30	sufficient	sufficient	ADJ
ajfa-7687	148	31	to	to	PART
ajfa-7687	148	32	take	take	VERB
ajfa-7687	148	33	care	care	NOUN
ajfa-7687	148	34	of	of	ADP
ajfa-7687	148	35	the	the	DET
ajfa-7687	148	36	nature	nature	NOUN
ajfa-7687	148	37	of	of	ADP
ajfa-7687	148	38	the	the	DET
ajfa-7687	148	39	sector	sector	NOUN
ajfa-7687	148	40	to	to	PART
ajfa-7687	148	41	which	which	PRON
ajfa-7687	148	42	most	most	ADJ
ajfa-7687	148	43	of	of	ADP
ajfa-7687	148	44	the	the	DET
ajfa-7687	148	45	loans	loan	NOUN
ajfa-7687	148	46	are	be	AUX
ajfa-7687	148	47	given	give	VERB
ajfa-7687	148	48	as	as	ADP
ajfa-7687	148	49	a	a	DET
ajfa-7687	148	50	determinant	determinant	NOUN
ajfa-7687	148	51	of	of	ADP
ajfa-7687	148	52	npas	npas	PROPN
ajfa-7687	148	53	(	(	PUNCT
ajfa-7687	148	54	chaudhury	chaudhury	NOUN
ajfa-7687	148	55	and	and	CCONJ
ajfa-7687	148	56	sensarma	sensarma	NOUN
ajfa-7687	148	57	,	,	PUNCT
ajfa-7687	148	58	2006	2006	NUM
ajfa-7687	148	59	,	,	PUNCT
ajfa-7687	148	60	rajaraman	rajaraman	NOUN
ajfa-7687	148	61	,	,	PUNCT
ajfa-7687	148	62	bhaumik	bhaumik	NOUN
ajfa-7687	148	63	and	and	CCONJ
ajfa-7687	148	64	bhatia	bhatia	PROPN
ajfa-7687	148	65	)	)	PUNCT
ajfa-7687	148	66	h1	h1	PROPN
ajfa-7687	148	67	:	:	PUNCT
ajfa-7687	148	68	the	the	DET
ajfa-7687	148	69	banks	bank	NOUN
ajfa-7687	148	70	’	’	PART
ajfa-7687	148	71	proportion	proportion	NOUN
ajfa-7687	148	72	of	of	ADP
ajfa-7687	148	73	priority	priority	NOUN
ajfa-7687	148	74	sector	sector	NOUN
ajfa-7687	148	75	advances	advance	NOUN
ajfa-7687	148	76	in	in	ADP
ajfa-7687	148	77	total	total	ADJ
ajfa-7687	148	78	advances	advance	NOUN
ajfa-7687	148	79	is	be	AUX
ajfa-7687	148	80	positively	positively	ADV
ajfa-7687	148	81	correlated	correlate	VERB
ajfa-7687	148	82	with	with	ADP
ajfa-7687	148	83	problem	problem	NOUN
ajfa-7687	148	84	loans	loan	NOUN
ajfa-7687	148	85	6.2	6.2	NUM
ajfa-7687	148	86	size	size	NOUN
ajfa-7687	148	87	one	one	NUM
ajfa-7687	148	88	of	of	ADP
ajfa-7687	148	89	the	the	DET
ajfa-7687	148	90	most	most	ADV
ajfa-7687	148	91	discussed	discuss	VERB
ajfa-7687	148	92	features	feature	NOUN
ajfa-7687	148	93	of	of	ADP
ajfa-7687	148	94	the	the	DET
ajfa-7687	148	95	banks	bank	NOUN
ajfa-7687	148	96	influencing	influence	VERB
ajfa-7687	148	97	problem	problem	NOUN
ajfa-7687	148	98	loans	loan	NOUN
ajfa-7687	148	99	is	be	AUX
ajfa-7687	148	100	size	size	NOUN
ajfa-7687	148	101	of	of	ADP
ajfa-7687	148	102	the	the	DET
ajfa-7687	148	103	bank	bank	NOUN
ajfa-7687	148	104	.	.	PUNCT
ajfa-7687	149	1	size	size	NOUN
ajfa-7687	149	2	(	(	PUNCT
ajfa-7687	149	3	size	size	NOUN
ajfa-7687	149	4	)	)	PUNCT
ajfa-7687	149	5	taken	take	VERB
ajfa-7687	149	6	as	as	ADP
ajfa-7687	149	7	logarithm	logarithm	NOUN
ajfa-7687	149	8	of	of	ADP
ajfa-7687	149	9	assets	asset	NOUN
ajfa-7687	149	10	acts	act	VERB
ajfa-7687	149	11	as	as	ADP
ajfa-7687	149	12	a	a	DET
ajfa-7687	149	13	control	control	NOUN
ajfa-7687	149	14	for	for	ADP
ajfa-7687	149	15	whether	whether	SCONJ
ajfa-7687	149	16	bigger	big	ADJ
ajfa-7687	149	17	banks	bank	NOUN
ajfa-7687	149	18	are	be	AUX
ajfa-7687	149	19	more	more	ADV
ajfa-7687	149	20	vulnerable	vulnerable	ADJ
ajfa-7687	149	21	to	to	ADP
ajfa-7687	149	22	the	the	DET
ajfa-7687	149	23	npa	npa	NOUN
ajfa-7687	149	24	problem	problem	NOUN
ajfa-7687	149	25	than	than	ADP
ajfa-7687	149	26	smaller	small	ADJ
ajfa-7687	149	27	banks	bank	NOUN
ajfa-7687	149	28	(	(	PUNCT
ajfa-7687	149	29	chaudhury	chaudhury	NOUN
ajfa-7687	149	30	and	and	CCONJ
ajfa-7687	149	31	sensarma	sensarma	PROPN
ajfa-7687	149	32	2006	2006	NUM
ajfa-7687	149	33	,	,	PUNCT
ajfa-7687	149	34	salas	salas	NOUN
ajfa-7687	149	35	and	and	CCONJ
ajfa-7687	149	36	saurina	saurina	PROPN
ajfa-7687	149	37	1999	1999	NUM
ajfa-7687	149	38	,	,	PUNCT
ajfa-7687	149	39	espinoza	espinoza	PROPN
ajfa-7687	149	40	and	and	CCONJ
ajfa-7687	149	41	prasad	prasad	PROPN
ajfa-7687	149	42	2010	2010	NUM
ajfa-7687	149	43	,	,	PUNCT
ajfa-7687	149	44	hu	hu	PROPN
ajfa-7687	149	45	et	et	PROPN
ajfa-7687	149	46	al	al	PROPN
ajfa-7687	149	47	2004	2004	PROPN
ajfa-7687	149	48	,	,	PUNCT
ajfa-7687	149	49	ranjan	ranjan	NOUN
ajfa-7687	149	50	and	and	CCONJ
ajfa-7687	149	51	dhal	dhal	NOUN
ajfa-7687	149	52	(	(	PUNCT
ajfa-7687	149	53	2003	2003	NUM
ajfa-7687	149	54	)	)	PUNCT
ajfa-7687	149	55	)	)	PUNCT
ajfa-7687	150	1	h2	h2	NOUN
ajfa-7687	150	2	:	:	PUNCT
ajfa-7687	150	3	the	the	DET
ajfa-7687	150	4	bank	bank	NOUN
ajfa-7687	150	5	size	size	NOUN
ajfa-7687	150	6	is	be	AUX
ajfa-7687	150	7	negatively	negatively	ADV
ajfa-7687	150	8	correlated	correlate	VERB
ajfa-7687	150	9	with	with	ADP
ajfa-7687	150	10	problem	problem	NOUN
ajfa-7687	150	11	loans	loan	NOUN
ajfa-7687	150	12	6.3	6.3	NUM
ajfa-7687	150	13	capital	capital	NOUN
ajfa-7687	150	14	adequacy	adequacy	NOUN
ajfa-7687	150	15	capital	capital	NOUN
ajfa-7687	150	16	adequacy	adequacy	NOUN
ajfa-7687	150	17	ratio	ratio	NOUN
ajfa-7687	150	18	(	(	PUNCT
ajfa-7687	150	19	car	car	NOUN
ajfa-7687	150	20	)	)	PUNCT
ajfa-7687	150	21	is	be	AUX
ajfa-7687	150	22	the	the	DET
ajfa-7687	150	23	ratio	ratio	NOUN
ajfa-7687	150	24	between	between	ADP
ajfa-7687	150	25	bank	bank	NOUN
ajfa-7687	150	26	’s	’s	PART
ajfa-7687	150	27	capital	capital	NOUN
ajfa-7687	150	28	and	and	CCONJ
ajfa-7687	150	29	risk	risk	NOUN
ajfa-7687	150	30	weighted	weight	VERB
ajfa-7687	150	31	assets	asset	NOUN
ajfa-7687	150	32	.	.	PUNCT
ajfa-7687	151	1	it	it	PRON
ajfa-7687	151	2	is	be	AUX
ajfa-7687	151	3	considered	consider	VERB
ajfa-7687	151	4	to	to	PART
ajfa-7687	151	5	account	account	VERB
ajfa-7687	151	6	for	for	ADP
ajfa-7687	151	7	the	the	DET
ajfa-7687	151	8	importance	importance	NOUN
ajfa-7687	151	9	of	of	ADP
ajfa-7687	151	10	capitalization	capitalization	NOUN
ajfa-7687	151	11	in	in	ADP
ajfa-7687	151	12	causing	cause	VERB
ajfa-7687	151	13	npas	npa	NOUN
ajfa-7687	151	14	.	.	PUNCT
ajfa-7687	152	1	it	it	PRON
ajfa-7687	152	2	is	be	AUX
ajfa-7687	152	3	expected	expect	VERB
ajfa-7687	152	4	2010	2010	NUM
ajfa-7687	152	5	2011	2011	NUM
ajfa-7687	152	6	2012	2012	NUM
ajfa-7687	152	7	2013	2013	NUM
ajfa-7687	152	8	channels	channel	NOUN
ajfa-7687	152	9	of	of	ADP
ajfa-7687	152	10	cases	case	NOUN
ajfa-7687	152	11	referred	refer	VERB
ajfa-7687	152	12	involved	involved	ADJ
ajfa-7687	152	13	(	(	PUNCT
ajfa-7687	152	14	rs	rs	NOUN
ajfa-7687	152	15	.	.	PUNCT
ajfa-7687	153	1	crores	crore	NOUN
ajfa-7687	153	2	)	)	PUNCT
ajfa-7687	153	3	recovered	recover	VERB
ajfa-7687	153	4	of	of	ADP
ajfa-7687	153	5	cases	case	NOUN
ajfa-7687	153	6	referred	refer	VERB
ajfa-7687	153	7	involved	involved	ADJ
ajfa-7687	153	8	(	(	PUNCT
ajfa-7687	153	9	rs	rs	NOUN
ajfa-7687	153	10	.	.	PUNCT
ajfa-7687	153	11	crores	crore	NOUN
ajfa-7687	153	12	)	)	PUNCT
ajfa-7687	153	13	recovered	recover	VERB
ajfa-7687	153	14	of	of	ADP
ajfa-7687	153	15	cases	case	NOUN
ajfa-7687	153	16	referred	refer	VERB
ajfa-7687	153	17	involved	involved	ADJ
ajfa-7687	153	18	(	(	PUNCT
ajfa-7687	153	19	rs	rs	NOUN
ajfa-7687	153	20	.	.	PUNCT
ajfa-7687	154	1	crores	crore	NOUN
ajfa-7687	154	2	)	)	PUNCT
ajfa-7687	154	3	recovered	recover	VERB
ajfa-7687	154	4	of	of	ADP
ajfa-7687	154	5	cases	case	NOUN
ajfa-7687	154	6	referred	refer	VERB
ajfa-7687	154	7	involved	involved	ADJ
ajfa-7687	154	8	(	(	PUNCT
ajfa-7687	154	9	rs	rs	NOUN
ajfa-7687	154	10	.	.	PUNCT
ajfa-7687	154	11	crores	crore	NOUN
ajfa-7687	154	12	)	)	PUNCT
ajfa-7687	154	13	recovered	recover	VERB
ajfa-7687	154	14	lok	lok	PROPN
ajfa-7687	154	15	adal	adal	PROPN
ajfa-7687	154	16	ats	ats	PROPN
ajfa-7687	154	17	778833	778833	NUM
ajfa-7687	154	18	7235	7235	NUM
ajfa-7687	154	19	112	112	NUM
ajfa-7687	154	20	616018	616018	NUM
ajfa-7687	154	21	5254	5254	NUM
ajfa-7687	154	22	151	151	NUM
ajfa-7687	154	23	4,76,073	4,76,073	NOUN
ajfa-7687	154	24	1700	1700	NUM
ajfa-7687	154	25	200	200	NUM
ajfa-7687	154	26	8,40,691	8,40,691	NUM
ajfa-7687	154	27	6600	6600	NUM
ajfa-7687	154	28	400	400	NUM
ajfa-7687	154	29	drt	drt	NOUN
ajfa-7687	154	30	s	s	PART
ajfa-7687	154	31	6019	6019	NUM
ajfa-7687	154	32	9797	9797	NUM
ajfa-7687	154	33	3133	3133	NUM
ajfa-7687	154	34	12872	12872	NUM
ajfa-7687	154	35	14092	14092	NUM
ajfa-7687	154	36	3930	3930	NUM
ajfa-7687	154	37	13,365	13,365	NUM
ajfa-7687	154	38	24100	24100	NUM
ajfa-7687	154	39	4100	4100	NUM
ajfa-7687	154	40	13,408	13,408	NUM
ajfa-7687	154	41	31000	31000	NUM
ajfa-7687	154	42	4400	4400	NUM
ajfa-7687	154	43	sar	sar	PROPN
ajfa-7687	154	44	fae	fae	PROPN
ajfa-7687	154	45	si	si	PROPN
ajfa-7687	154	46	act	act	PROPN
ajfa-7687	154	47	78366	78366	NUM
ajfa-7687	154	48	14249	14249	NUM
ajfa-7687	154	49	4269	4269	NUM
ajfa-7687	154	50	118642	118642	NUM
ajfa-7687	154	51	30604	30604	NUM
ajfa-7687	154	52	11561	11561	NUM
ajfa-7687	154	53	1,40,991	1,40,991	NUM
ajfa-7687	154	54	35300	35300	NUM
ajfa-7687	154	55	10100	10100	NUM
ajfa-7687	154	56	1,90,537	1,90,537	NUM
ajfa-7687	154	57	68100	68100	NUM
ajfa-7687	154	58	18500	18500	NUM
ajfa-7687	154	59	asian	asian	ADJ
ajfa-7687	154	60	journal	journal	NOUN
ajfa-7687	154	61	of	of	ADP
ajfa-7687	154	62	finance	finance	PROPN
ajfa-7687	154	63	&	&	CCONJ
ajfa-7687	154	64	accounting	accounting	PROPN
ajfa-7687	154	65	issn	issn	PROPN
ajfa-7687	154	66	1946	1946	NUM
ajfa-7687	154	67	-	-	PUNCT
ajfa-7687	154	68	052x	052x	NOUN
ajfa-7687	154	69	2015	2015	NUM
ajfa-7687	154	70	,	,	PUNCT
ajfa-7687	154	71	vol	vol	NOUN
ajfa-7687	154	72	.	.	PROPN
ajfa-7687	155	1	7	7	NUM
ajfa-7687	155	2	,	,	PUNCT
ajfa-7687	155	3	no	no	INTJ
ajfa-7687	155	4	.	.	NOUN
ajfa-7687	155	5	1	1	NUM
ajfa-7687	155	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	155	7	195	195	NUM
ajfa-7687	155	8	that	that	PRON
ajfa-7687	155	9	adequately	adequately	ADV
ajfa-7687	155	10	capitalized	capitalize	VERB
ajfa-7687	155	11	banks	bank	NOUN
ajfa-7687	155	12	would	would	AUX
ajfa-7687	155	13	exhibit	exhibit	VERB
ajfa-7687	155	14	lower	low	ADJ
ajfa-7687	155	15	npas	npas	NOUN
ajfa-7687	155	16	(	(	PUNCT
ajfa-7687	155	17	lyoha	lyoha	NOUN
ajfa-7687	155	18	and	and	CCONJ
ajfa-7687	155	19	udegbunam	udegbunam	NOUN
ajfa-7687	155	20	1999	1999	NUM
ajfa-7687	155	21	,	,	PUNCT
ajfa-7687	155	22	rajaraman	rajaraman	NOUN
ajfa-7687	155	23	,	,	PUNCT
ajfa-7687	155	24	bhaumik	bhaumik	NOUN
ajfa-7687	155	25	and	and	CCONJ
ajfa-7687	155	26	bhatia	bhatia	PROPN
ajfa-7687	155	27	1999	1999	NUM
ajfa-7687	155	28	,	,	PUNCT
ajfa-7687	155	29	chaudhury	chaudhury	NOUN
ajfa-7687	155	30	and	and	CCONJ
ajfa-7687	155	31	sensarma	sensarma	PROPN
ajfa-7687	155	32	2006	2006	NUM
ajfa-7687	155	33	)	)	PUNCT
ajfa-7687	155	34	h3	h3	VERB
ajfa-7687	155	35	:	:	PUNCT
ajfa-7687	155	36	the	the	DET
ajfa-7687	155	37	bank‘s	bank‘s	PROPN
ajfa-7687	155	38	capital	capital	NOUN
ajfa-7687	155	39	adequacy	adequacy	NOUN
ajfa-7687	155	40	is	be	AUX
ajfa-7687	155	41	negatively	negatively	ADV
ajfa-7687	155	42	correlated	correlate	VERB
ajfa-7687	155	43	with	with	ADP
ajfa-7687	155	44	problem	problem	NOUN
ajfa-7687	155	45	loans	loan	NOUN
ajfa-7687	156	1	6.4	6.4	NUM
ajfa-7687	156	2	profitability	profitability	NOUN
ajfa-7687	156	3	profitability	profitability	NOUN
ajfa-7687	156	4	of	of	ADP
ajfa-7687	156	5	the	the	DET
ajfa-7687	156	6	banks	bank	NOUN
ajfa-7687	156	7	can	can	AUX
ajfa-7687	156	8	be	be	AUX
ajfa-7687	156	9	captured	capture	VERB
ajfa-7687	156	10	using	use	VERB
ajfa-7687	156	11	return	return	NOUN
ajfa-7687	156	12	on	on	ADP
ajfa-7687	156	13	assets	asset	NOUN
ajfa-7687	156	14	ratio	ratio	NOUN
ajfa-7687	156	15	which	which	PRON
ajfa-7687	156	16	is	be	AUX
ajfa-7687	156	17	the	the	DET
ajfa-7687	156	18	ratio	ratio	NOUN
ajfa-7687	156	19	between	between	ADP
ajfa-7687	156	20	the	the	DET
ajfa-7687	156	21	net	net	ADJ
ajfa-7687	156	22	profit	profit	NOUN
ajfa-7687	156	23	after	after	ADP
ajfa-7687	156	24	tax	tax	NOUN
ajfa-7687	156	25	and	and	CCONJ
ajfa-7687	156	26	average	average	ADJ
ajfa-7687	156	27	assets	asset	NOUN
ajfa-7687	156	28	.	.	PUNCT
ajfa-7687	157	1	it	it	PRON
ajfa-7687	157	2	is	be	AUX
ajfa-7687	157	3	argued	argue	VERB
ajfa-7687	157	4	that	that	SCONJ
ajfa-7687	157	5	profitable	profitable	ADJ
ajfa-7687	157	6	banks	bank	NOUN
ajfa-7687	157	7	will	will	AUX
ajfa-7687	157	8	have	have	VERB
ajfa-7687	157	9	quality	quality	NOUN
ajfa-7687	157	10	orientation	orientation	NOUN
ajfa-7687	157	11	towards	towards	ADP
ajfa-7687	157	12	credit	credit	NOUN
ajfa-7687	157	13	management	management	NOUN
ajfa-7687	157	14	and	and	CCONJ
ajfa-7687	157	15	less	less	ADV
ajfa-7687	157	16	vulnerable	vulnerable	ADJ
ajfa-7687	157	17	to	to	ADP
ajfa-7687	157	18	problem	problem	NOUN
ajfa-7687	157	19	loans	loan	NOUN
ajfa-7687	157	20	(	(	PUNCT
ajfa-7687	157	21	narasimham	narasimham	PROPN
ajfa-7687	157	22	committee	committee	PROPN
ajfa-7687	157	23	report	report	NOUN
ajfa-7687	157	24	1998	1998	NUM
ajfa-7687	157	25	)	)	PUNCT
ajfa-7687	157	26	.	.	PUNCT
ajfa-7687	158	1	return	return	VERB
ajfa-7687	158	2	on	on	ADP
ajfa-7687	158	3	assets	asset	NOUN
ajfa-7687	158	4	(	(	PUNCT
ajfa-7687	158	5	roa	roa	NOUN
ajfa-7687	158	6	)	)	PUNCT
ajfa-7687	158	7	is	be	AUX
ajfa-7687	158	8	considered	consider	VERB
ajfa-7687	158	9	with	with	ADP
ajfa-7687	158	10	an	an	DET
ajfa-7687	158	11	expectation	expectation	NOUN
ajfa-7687	158	12	that	that	SCONJ
ajfa-7687	158	13	the	the	DET
ajfa-7687	158	14	more	more	ADV
ajfa-7687	158	15	profitable	profitable	ADJ
ajfa-7687	158	16	banks	bank	NOUN
ajfa-7687	158	17	would	would	AUX
ajfa-7687	158	18	have	have	AUX
ajfa-7687	158	19	less	less	ADJ
ajfa-7687	158	20	npas	npas	NOUN
ajfa-7687	158	21	(	(	PUNCT
ajfa-7687	158	22	chaudhury	chaudhury	NOUN
ajfa-7687	158	23	and	and	CCONJ
ajfa-7687	158	24	sensarma	sensarma	NOUN
ajfa-7687	158	25	2006	2006	NUM
ajfa-7687	158	26	)	)	PUNCT
ajfa-7687	158	27	.	.	PUNCT
ajfa-7687	159	1	h4	h4	PROPN
ajfa-7687	159	2	:	:	PUNCT
ajfa-7687	159	3	bank	bank	NOUN
ajfa-7687	159	4	’s	’s	PART
ajfa-7687	159	5	profitability	profitability	NOUN
ajfa-7687	159	6	is	be	AUX
ajfa-7687	159	7	negatively	negatively	ADV
ajfa-7687	159	8	correlated	correlate	VERB
ajfa-7687	159	9	with	with	ADP
ajfa-7687	159	10	problem	problem	NOUN
ajfa-7687	159	11	loans	loan	NOUN
ajfa-7687	159	12	6.5	6.5	NUM
ajfa-7687	159	13	cost	cost	NOUN
ajfa-7687	159	14	inefficiency	inefficiency	NOUN
ajfa-7687	159	15	inefficient	inefficient	ADJ
ajfa-7687	159	16	banks	bank	NOUN
ajfa-7687	159	17	performing	perform	VERB
ajfa-7687	159	18	poor	poor	ADJ
ajfa-7687	159	19	screening	screening	NOUN
ajfa-7687	159	20	and	and	CCONJ
ajfa-7687	159	21	monitoring	monitoring	NOUN
ajfa-7687	159	22	of	of	ADP
ajfa-7687	159	23	borrowers	borrower	NOUN
ajfa-7687	159	24	will	will	AUX
ajfa-7687	159	25	tend	tend	VERB
ajfa-7687	159	26	to	to	PART
ajfa-7687	159	27	have	have	VERB
ajfa-7687	159	28	inferior	inferior	ADJ
ajfa-7687	159	29	portfolio	portfolio	NOUN
ajfa-7687	159	30	quality	quality	NOUN
ajfa-7687	159	31	.	.	PUNCT
ajfa-7687	160	1	kwan	kwan	PROPN
ajfa-7687	160	2	and	and	CCONJ
ajfa-7687	160	3	eisenbis	eisenbis	X
ajfa-7687	160	4	(	(	PUNCT
ajfa-7687	160	5	1997	1997	NUM
ajfa-7687	160	6	)	)	PUNCT
ajfa-7687	160	7	demonstrate	demonstrate	VERB
ajfa-7687	160	8	that	that	SCONJ
ajfa-7687	160	9	higher	high	ADJ
ajfa-7687	160	10	levels	level	NOUN
ajfa-7687	160	11	of	of	ADP
ajfa-7687	160	12	bank	bank	NOUN
ajfa-7687	160	13	inefficiency	inefficiency	NOUN
ajfa-7687	160	14	can	can	AUX
ajfa-7687	160	15	lead	lead	VERB
ajfa-7687	160	16	to	to	ADP
ajfa-7687	160	17	an	an	DET
ajfa-7687	160	18	increase	increase	NOUN
ajfa-7687	160	19	in	in	ADP
ajfa-7687	160	20	problem	problem	NOUN
ajfa-7687	160	21	loans	loan	NOUN
ajfa-7687	160	22	.	.	PUNCT
ajfa-7687	161	1	to	to	PART
ajfa-7687	161	2	capture	capture	VERB
ajfa-7687	161	3	bank	bank	NOUN
ajfa-7687	161	4	level	level	NOUN
ajfa-7687	161	5	inefficiency	inefficiency	NOUN
ajfa-7687	161	6	,	,	PUNCT
ajfa-7687	161	7	operating	operate	VERB
ajfa-7687	161	8	cost	cost	NOUN
ajfa-7687	161	9	ratio	ratio	NOUN
ajfa-7687	161	10	(	(	PUNCT
ajfa-7687	161	11	ocr	ocr	PROPN
ajfa-7687	161	12	)	)	PUNCT
ajfa-7687	161	13	which	which	PRON
ajfa-7687	161	14	is	be	AUX
ajfa-7687	161	15	the	the	DET
ajfa-7687	161	16	ratio	ratio	NOUN
ajfa-7687	161	17	between	between	ADP
ajfa-7687	161	18	operating	operating	NOUN
ajfa-7687	161	19	expenses	expense	NOUN
ajfa-7687	161	20	and	and	CCONJ
ajfa-7687	161	21	total	total	ADJ
ajfa-7687	161	22	assets	asset	NOUN
ajfa-7687	161	23	is	be	AUX
ajfa-7687	161	24	considered	consider	VERB
ajfa-7687	161	25	.	.	PUNCT
ajfa-7687	162	1	it	it	PRON
ajfa-7687	162	2	is	be	AUX
ajfa-7687	162	3	included	include	VERB
ajfa-7687	162	4	with	with	ADP
ajfa-7687	162	5	an	an	DET
ajfa-7687	162	6	expectation	expectation	NOUN
ajfa-7687	162	7	that	that	PRON
ajfa-7687	162	8	npas	npa	NOUN
ajfa-7687	162	9	will	will	AUX
ajfa-7687	162	10	increase	increase	VERB
ajfa-7687	162	11	with	with	ADP
ajfa-7687	162	12	high	high	ADJ
ajfa-7687	162	13	operating	operating	NOUN
ajfa-7687	162	14	costs	cost	NOUN
ajfa-7687	162	15	or	or	CCONJ
ajfa-7687	162	16	low	low	ADJ
ajfa-7687	162	17	cost	cost	NOUN
ajfa-7687	162	18	efficiency	efficiency	NOUN
ajfa-7687	162	19	(	(	PUNCT
ajfa-7687	162	20	chaudhury	chaudhury	NOUN
ajfa-7687	162	21	and	and	CCONJ
ajfa-7687	162	22	sensarma	sensarma	PROPN
ajfa-7687	162	23	2006	2006	NUM
ajfa-7687	162	24	,	,	PUNCT
ajfa-7687	162	25	salas	salas	NOUN
ajfa-7687	162	26	and	and	CCONJ
ajfa-7687	162	27	saurina	saurina	PROPN
ajfa-7687	162	28	1999	1999	NUM
ajfa-7687	162	29	,	,	PUNCT
ajfa-7687	162	30	espinoza	espinoza	PROPN
ajfa-7687	162	31	and	and	CCONJ
ajfa-7687	162	32	prasad	prasad	PROPN
ajfa-7687	162	33	2010	2010	NUM
ajfa-7687	162	34	)	)	PUNCT
ajfa-7687	162	35	.	.	PUNCT
ajfa-7687	163	1	h5	h5	PROPN
ajfa-7687	163	2	:	:	PUNCT
ajfa-7687	163	3	bank	bank	NOUN
ajfa-7687	163	4	’s	’s	PART
ajfa-7687	163	5	inefficiency	inefficiency	NOUN
ajfa-7687	163	6	is	be	AUX
ajfa-7687	163	7	positively	positively	ADV
ajfa-7687	163	8	correlated	correlate	VERB
ajfa-7687	163	9	with	with	ADP
ajfa-7687	163	10	problem	problem	NOUN
ajfa-7687	163	11	loans	loan	NOUN
ajfa-7687	163	12	6.6	6.6	NUM
ajfa-7687	163	13	credit	credit	NOUN
ajfa-7687	163	14	growth	growth	NOUN
ajfa-7687	163	15	a	a	DET
ajfa-7687	163	16	rapid	rapid	ADJ
ajfa-7687	163	17	credit	credit	NOUN
ajfa-7687	163	18	expansion	expansion	NOUN
ajfa-7687	163	19	is	be	AUX
ajfa-7687	163	20	considered	consider	VERB
ajfa-7687	163	21	as	as	ADP
ajfa-7687	163	22	one	one	NUM
ajfa-7687	163	23	of	of	ADP
ajfa-7687	163	24	the	the	DET
ajfa-7687	163	25	most	most	ADV
ajfa-7687	163	26	important	important	ADJ
ajfa-7687	163	27	causes	cause	NOUN
ajfa-7687	163	28	of	of	ADP
ajfa-7687	163	29	problem	problem	NOUN
ajfa-7687	163	30	loans	loan	NOUN
ajfa-7687	163	31	(	(	PUNCT
ajfa-7687	163	32	caprio	caprio	X
ajfa-7687	163	33	et	et	PROPN
ajfa-7687	163	34	al	al	PROPN
ajfa-7687	163	35	,	,	PUNCT
ajfa-7687	163	36	1994	1994	NUM
ajfa-7687	163	37	)	)	PUNCT
ajfa-7687	163	38	.	.	PUNCT
ajfa-7687	164	1	growth	growth	NOUN
ajfa-7687	164	2	in	in	ADP
ajfa-7687	164	3	advances	advance	NOUN
ajfa-7687	164	4	(	(	PUNCT
ajfa-7687	164	5	gradv	gradv	NOUN
ajfa-7687	164	6	)	)	PUNCT
ajfa-7687	164	7	is	be	AUX
ajfa-7687	164	8	included	include	VERB
ajfa-7687	164	9	to	to	PART
ajfa-7687	164	10	understand	understand	VERB
ajfa-7687	164	11	the	the	DET
ajfa-7687	164	12	aggressiveness	aggressiveness	NOUN
ajfa-7687	164	13	of	of	ADP
ajfa-7687	164	14	a	a	DET
ajfa-7687	164	15	bank	bank	NOUN
ajfa-7687	164	16	in	in	ADP
ajfa-7687	164	17	its	its	PRON
ajfa-7687	164	18	lending	lending	NOUN
ajfa-7687	164	19	behaviour	behaviour	NOUN
ajfa-7687	164	20	.	.	PUNCT
ajfa-7687	165	1	more	more	ADV
ajfa-7687	165	2	aggressive	aggressive	ADJ
ajfa-7687	165	3	banks	bank	NOUN
ajfa-7687	165	4	may	may	AUX
ajfa-7687	165	5	push	push	VERB
ajfa-7687	165	6	riskier	risky	ADJ
ajfa-7687	165	7	loans	loan	NOUN
ajfa-7687	165	8	and	and	CCONJ
ajfa-7687	165	9	hence	hence	ADV
ajfa-7687	165	10	end	end	VERB
ajfa-7687	165	11	up	up	ADP
ajfa-7687	165	12	with	with	ADP
ajfa-7687	165	13	more	more	ADJ
ajfa-7687	165	14	npas	npas	NOUN
ajfa-7687	165	15	(	(	PUNCT
ajfa-7687	165	16	clair	clair	PROPN
ajfa-7687	165	17	1992	1992	NUM
ajfa-7687	165	18	)	)	PUNCT
ajfa-7687	165	19	.	.	PUNCT
ajfa-7687	166	1	on	on	ADP
ajfa-7687	166	2	the	the	DET
ajfa-7687	166	3	other	other	ADJ
ajfa-7687	166	4	hand	hand	NOUN
ajfa-7687	166	5	,	,	PUNCT
ajfa-7687	166	6	banks	bank	NOUN
ajfa-7687	166	7	which	which	PRON
ajfa-7687	166	8	concentrate	concentrate	VERB
ajfa-7687	166	9	on	on	ADP
ajfa-7687	166	10	more	more	ADJ
ajfa-7687	166	11	lending	lending	NOUN
ajfa-7687	166	12	will	will	AUX
ajfa-7687	166	13	develop	develop	VERB
ajfa-7687	166	14	expertise	expertise	NOUN
ajfa-7687	166	15	in	in	ADP
ajfa-7687	166	16	effectively	effectively	ADV
ajfa-7687	166	17	managing	manage	VERB
ajfa-7687	166	18	credit	credit	NOUN
ajfa-7687	166	19	risk	risk	NOUN
ajfa-7687	166	20	and	and	CCONJ
ajfa-7687	166	21	hence	hence	ADV
ajfa-7687	166	22	exhibit	exhibit	VERB
ajfa-7687	166	23	lower	low	ADJ
ajfa-7687	166	24	npas	npa	NOUN
ajfa-7687	166	25	.	.	PUNCT
ajfa-7687	167	1	therefore	therefore	ADV
ajfa-7687	167	2	,	,	PUNCT
ajfa-7687	167	3	the	the	DET
ajfa-7687	167	4	role	role	NOUN
ajfa-7687	167	5	of	of	ADP
ajfa-7687	167	6	lending	lend	VERB
ajfa-7687	167	7	aggressiveness	aggressiveness	NOUN
ajfa-7687	167	8	in	in	ADP
ajfa-7687	167	9	npas	npas	PROPN
ajfa-7687	167	10	is	be	AUX
ajfa-7687	167	11	ambiguous	ambiguous	ADJ
ajfa-7687	167	12	.	.	PUNCT
ajfa-7687	168	1	gradv	gradv	PROPN
ajfa-7687	168	2	t-1	t-1	PROPN
ajfa-7687	168	3	and	and	CCONJ
ajfa-7687	168	4	gradv	gradv	PROPN
ajfa-7687	168	5	t-2	t-2	NOUN
ajfa-7687	168	6	are	be	AUX
ajfa-7687	168	7	considered	consider	VERB
ajfa-7687	168	8	to	to	PART
ajfa-7687	168	9	capture	capture	VERB
ajfa-7687	168	10	the	the	DET
ajfa-7687	168	11	lag	lag	NOUN
ajfa-7687	168	12	effects	effect	NOUN
ajfa-7687	168	13	of	of	ADP
ajfa-7687	168	14	growth	growth	NOUN
ajfa-7687	168	15	rates	rate	NOUN
ajfa-7687	168	16	in	in	ADP
ajfa-7687	168	17	advances	advance	NOUN
ajfa-7687	168	18	on	on	ADP
ajfa-7687	168	19	npas	npas	PROPN
ajfa-7687	168	20	(	(	PUNCT
ajfa-7687	168	21	salas	salas	NOUN
ajfa-7687	168	22	and	and	CCONJ
ajfa-7687	168	23	saurina	saurina	PROPN
ajfa-7687	168	24	1999	1999	NUM
ajfa-7687	168	25	,	,	PUNCT
ajfa-7687	168	26	espinoza	espinoza	PROPN
ajfa-7687	168	27	r	r	PROPN
ajfa-7687	168	28	and	and	CCONJ
ajfa-7687	168	29	prasad	prasad	PROPN
ajfa-7687	168	30	a	a	DET
ajfa-7687	168	31	2010	2010	NUM
ajfa-7687	168	32	,	,	PUNCT
ajfa-7687	168	33	das	das	PROPN
ajfa-7687	168	34	a.	a.	PROPN
ajfa-7687	168	35	&	&	CCONJ
ajfa-7687	168	36	ghosh	ghosh	PROPN
ajfa-7687	168	37	s	s	PROPN
ajfa-7687	168	38	2007	2007	NUM
ajfa-7687	168	39	)	)	PUNCT
ajfa-7687	168	40	.	.	PUNCT
ajfa-7687	169	1	h6	h6	PROPN
ajfa-7687	169	2	:	:	PUNCT
ajfa-7687	169	3	bank	bank	NOUN
ajfa-7687	169	4	’s	’s	PART
ajfa-7687	169	5	credit	credit	NOUN
ajfa-7687	169	6	growth	growth	NOUN
ajfa-7687	169	7	is	be	AUX
ajfa-7687	169	8	correlated	correlate	VERB
ajfa-7687	169	9	with	with	ADP
ajfa-7687	169	10	problem	problem	NOUN
ajfa-7687	169	11	loans	loan	NOUN
ajfa-7687	169	12	6.7	6.7	NUM
ajfa-7687	169	13	congenial	congenial	ADJ
ajfa-7687	169	14	macroeconomic	macroeconomic	ADJ
ajfa-7687	169	15	environment	environment	NOUN
ajfa-7687	169	16	the	the	DET
ajfa-7687	169	17	empirical	empirical	ADJ
ajfa-7687	169	18	evidence	evidence	NOUN
ajfa-7687	169	19	tends	tend	VERB
ajfa-7687	169	20	to	to	PART
ajfa-7687	169	21	suggest	suggest	VERB
ajfa-7687	169	22	that	that	SCONJ
ajfa-7687	169	23	banks	bank	NOUN
ajfa-7687	169	24	problem	problem	VERB
ajfa-7687	169	25	loans	loan	NOUN
ajfa-7687	169	26	are	be	AUX
ajfa-7687	169	27	closely	closely	ADV
ajfa-7687	169	28	related	relate	VERB
ajfa-7687	169	29	to	to	ADP
ajfa-7687	169	30	economic	economic	ADJ
ajfa-7687	169	31	activity	activity	NOUN
ajfa-7687	169	32	(	(	PUNCT
ajfa-7687	169	33	salas	salas	NOUN
ajfa-7687	169	34	and	and	CCONJ
ajfa-7687	169	35	saurina	saurina	PROPN
ajfa-7687	169	36	1999	1999	NUM
ajfa-7687	169	37	,	,	PUNCT
ajfa-7687	169	38	fernandez	fernandez	PROPN
ajfa-7687	169	39	de	de	X
ajfa-7687	169	40	lis	lis	PROPN
ajfa-7687	169	41	et	et	NOUN
ajfa-7687	169	42	al	al	PROPN
ajfa-7687	169	43	2000	2000	NUM
ajfa-7687	169	44	,	,	PUNCT
ajfa-7687	169	45	chaudhury	chaudhury	NOUN
ajfa-7687	169	46	and	and	CCONJ
ajfa-7687	169	47	sensarma	sensarma	PROPN
ajfa-7687	169	48	2006	2006	NUM
ajfa-7687	169	49	,	,	PUNCT
ajfa-7687	169	50	das	das	PROPN
ajfa-7687	169	51	a.	a.	PROPN
ajfa-7687	169	52	&	&	CCONJ
ajfa-7687	169	53	ghosh	ghosh	PROPN
ajfa-7687	169	54	s	s	PROPN
ajfa-7687	169	55	2007	2007	NUM
ajfa-7687	169	56	)	)	PUNCT
ajfa-7687	169	57	.	.	PUNCT
ajfa-7687	170	1	when	when	SCONJ
ajfa-7687	170	2	growth	growth	NOUN
ajfa-7687	170	3	slows	slow	VERB
ajfa-7687	170	4	or	or	CCONJ
ajfa-7687	170	5	even	even	ADV
ajfa-7687	170	6	turns	turn	VERB
ajfa-7687	170	7	negative	negative	ADJ
ajfa-7687	170	8	,	,	PUNCT
ajfa-7687	170	9	firms	firm	NOUN
ajfa-7687	170	10	and	and	CCONJ
ajfa-7687	170	11	households	household	NOUN
ajfa-7687	170	12	reduce	reduce	VERB
ajfa-7687	170	13	their	their	PRON
ajfa-7687	170	14	cash	cash	NOUN
ajfa-7687	170	15	inflows	inflow	NOUN
ajfa-7687	170	16	and	and	CCONJ
ajfa-7687	170	17	makes	make	VERB
ajfa-7687	170	18	it	it	PRON
ajfa-7687	170	19	difficult	difficult	ADJ
ajfa-7687	170	20	for	for	SCONJ
ajfa-7687	170	21	them	they	PRON
ajfa-7687	170	22	to	to	PART
ajfa-7687	170	23	repay	repay	VERB
ajfa-7687	170	24	the	the	DET
ajfa-7687	170	25	loans	loan	NOUN
ajfa-7687	170	26	.	.	PUNCT
ajfa-7687	171	1	banks	bank	NOUN
ajfa-7687	171	2	anticipate	anticipate	VERB
ajfa-7687	171	3	that	that	SCONJ
ajfa-7687	171	4	if	if	SCONJ
ajfa-7687	171	5	a	a	DET
ajfa-7687	171	6	recession	recession	NOUN
ajfa-7687	171	7	occurs	occur	VERB
ajfa-7687	171	8	,	,	PUNCT
ajfa-7687	171	9	firms	firm	NOUN
ajfa-7687	171	10	and	and	CCONJ
ajfa-7687	171	11	households	household	NOUN
ajfa-7687	171	12	will	will	AUX
ajfa-7687	171	13	encounter	encounter	VERB
ajfa-7687	171	14	asian	asian	ADJ
ajfa-7687	171	15	journal	journal	NOUN
ajfa-7687	171	16	of	of	ADP
ajfa-7687	171	17	finance	finance	PROPN
ajfa-7687	171	18	&	&	CCONJ
ajfa-7687	171	19	accounting	accounting	PROPN
ajfa-7687	171	20	issn	issn	PROPN
ajfa-7687	171	21	1946	1946	NUM
ajfa-7687	171	22	-	-	PUNCT
ajfa-7687	171	23	052x	052x	NOUN
ajfa-7687	171	24	2015	2015	NUM
ajfa-7687	171	25	,	,	PUNCT
ajfa-7687	171	26	vol	vol	NOUN
ajfa-7687	171	27	.	.	PROPN
ajfa-7687	171	28	7	7	NUM
ajfa-7687	171	29	,	,	PUNCT
ajfa-7687	171	30	no	no	INTJ
ajfa-7687	171	31	.	.	NOUN
ajfa-7687	171	32	1	1	NUM
ajfa-7687	171	33	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	171	34	196	196	NUM
ajfa-7687	171	35	liquidity	liquidity	NOUN
ajfa-7687	171	36	shortages	shortage	NOUN
ajfa-7687	171	37	,	,	PUNCT
ajfa-7687	171	38	which	which	PRON
ajfa-7687	171	39	would	would	AUX
ajfa-7687	171	40	raise	raise	VERB
ajfa-7687	171	41	the	the	DET
ajfa-7687	171	42	likelihood	likelihood	NOUN
ajfa-7687	171	43	of	of	ADP
ajfa-7687	171	44	delays	delay	NOUN
ajfa-7687	171	45	in	in	ADP
ajfa-7687	171	46	the	the	DET
ajfa-7687	171	47	fulfillment	fulfillment	NOUN
ajfa-7687	171	48	of	of	ADP
ajfa-7687	171	49	their	their	PRON
ajfa-7687	171	50	financial	financial	ADJ
ajfa-7687	171	51	obligations	obligation	NOUN
ajfa-7687	171	52	(	(	PUNCT
ajfa-7687	171	53	jimenez	jimenez	PROPN
ajfa-7687	171	54	and	and	CCONJ
ajfa-7687	171	55	saurina	saurina	PROPN
ajfa-7687	171	56	,	,	PUNCT
ajfa-7687	171	57	2006	2006	NUM
ajfa-7687	171	58	)	)	PUNCT
ajfa-7687	171	59	.	.	PUNCT
ajfa-7687	172	1	growth	growth	NOUN
ajfa-7687	172	2	in	in	ADP
ajfa-7687	172	3	gross	gross	ADJ
ajfa-7687	172	4	national	national	ADJ
ajfa-7687	172	5	product	product	NOUN
ajfa-7687	172	6	at	at	ADP
ajfa-7687	172	7	constant	constant	ADJ
ajfa-7687	172	8	prices	price	NOUN
ajfa-7687	172	9	(	(	PUNCT
ajfa-7687	172	10	ggnp	ggnp	NOUN
ajfa-7687	172	11	)	)	PUNCT
ajfa-7687	172	12	is	be	AUX
ajfa-7687	172	13	included	include	VERB
ajfa-7687	172	14	with	with	ADP
ajfa-7687	172	15	an	an	DET
ajfa-7687	172	16	assumption	assumption	NOUN
ajfa-7687	172	17	that	that	SCONJ
ajfa-7687	172	18	when	when	SCONJ
ajfa-7687	172	19	the	the	DET
ajfa-7687	172	20	macro	macro	ADJ
ajfa-7687	172	21	-	-	ADJ
ajfa-7687	172	22	economic	economic	ADJ
ajfa-7687	172	23	conditions	condition	NOUN
ajfa-7687	172	24	are	be	AUX
ajfa-7687	172	25	sound	sound	ADJ
ajfa-7687	172	26	and	and	CCONJ
ajfa-7687	172	27	gnp	gnp	NOUN
ajfa-7687	172	28	growth	growth	NOUN
ajfa-7687	172	29	is	be	AUX
ajfa-7687	172	30	higher	high	ADJ
ajfa-7687	172	31	,	,	PUNCT
ajfa-7687	172	32	the	the	DET
ajfa-7687	172	33	level	level	NOUN
ajfa-7687	172	34	of	of	ADP
ajfa-7687	172	35	npas	npas	NOUN
ajfa-7687	172	36	would	would	AUX
ajfa-7687	172	37	be	be	AUX
ajfa-7687	172	38	lower	low	ADJ
ajfa-7687	172	39	.	.	PUNCT
ajfa-7687	173	1	h7	h7	NOUN
ajfa-7687	173	2	:	:	PUNCT
ajfa-7687	173	3	growth	growth	NOUN
ajfa-7687	173	4	in	in	ADP
ajfa-7687	173	5	gross	gross	ADJ
ajfa-7687	173	6	national	national	ADJ
ajfa-7687	173	7	product	product	NOUN
ajfa-7687	173	8	is	be	AUX
ajfa-7687	173	9	negatively	negatively	ADV
ajfa-7687	173	10	correlated	correlate	VERB
ajfa-7687	173	11	with	with	ADP
ajfa-7687	173	12	problem	problem	NOUN
ajfa-7687	173	13	loans	loan	NOUN
ajfa-7687	173	14	7	7	NUM
ajfa-7687	173	15	.	.	PUNCT
ajfa-7687	173	16	data	datum	NOUN
ajfa-7687	173	17	and	and	CCONJ
ajfa-7687	173	18	econometric	econometric	ADJ
ajfa-7687	173	19	methodology	methodology	NOUN
ajfa-7687	173	20	to	to	PART
ajfa-7687	173	21	assess	assess	VERB
ajfa-7687	173	22	the	the	DET
ajfa-7687	173	23	impact	impact	NOUN
ajfa-7687	173	24	and	and	CCONJ
ajfa-7687	173	25	to	to	PART
ajfa-7687	173	26	identify	identify	VERB
ajfa-7687	173	27	the	the	DET
ajfa-7687	173	28	determinants	determinant	NOUN
ajfa-7687	173	29	of	of	ADP
ajfa-7687	173	30	npas	npas	NOUN
ajfa-7687	173	31	in	in	ADP
ajfa-7687	173	32	indian	indian	ADJ
ajfa-7687	173	33	banking	banking	NOUN
ajfa-7687	173	34	we	we	PRON
ajfa-7687	173	35	need	need	VERB
ajfa-7687	173	36	to	to	PART
ajfa-7687	173	37	estimate	estimate	VERB
ajfa-7687	173	38	a	a	DET
ajfa-7687	173	39	relationship	relationship	NOUN
ajfa-7687	173	40	of	of	ADP
ajfa-7687	173	41	the	the	DET
ajfa-7687	173	42	following	follow	VERB
ajfa-7687	173	43	form	form	NOUN
ajfa-7687	173	44	using	use	VERB
ajfa-7687	173	45	bank	bank	NOUN
ajfa-7687	173	46	level	level	NOUN
ajfa-7687	173	47	data	datum	NOUN
ajfa-7687	173	48	and	and	CCONJ
ajfa-7687	173	49	macroeconomic	macroeconomic	ADJ
ajfa-7687	173	50	across	across	ADP
ajfa-7687	173	51	several	several	ADJ
ajfa-7687	173	52	years	year	NOUN
ajfa-7687	173	53	.	.	PUNCT
ajfa-7687	174	1	npait	npait	NOUN
ajfa-7687	174	2	=	=	NOUN
ajfa-7687	175	1	α+	α+	PUNCT
ajfa-7687	175	2	βxit	βxit	ADJ
ajfa-7687	175	3	+	+	X
ajfa-7687	175	4	εit	εit	NOUN
ajfa-7687	175	5	(	(	PUNCT
ajfa-7687	175	6	1	1	NUM
ajfa-7687	175	7	)	)	PUNCT
ajfa-7687	175	8	here	here	ADV
ajfa-7687	175	9	,	,	PUNCT
ajfa-7687	175	10	x	x	PRON
ajfa-7687	175	11	represents	represent	VERB
ajfa-7687	175	12	factors	factor	NOUN
ajfa-7687	175	13	,	,	PUNCT
ajfa-7687	175	14	which	which	PRON
ajfa-7687	175	15	are	be	AUX
ajfa-7687	175	16	supposed	suppose	VERB
ajfa-7687	175	17	to	to	PART
ajfa-7687	175	18	determine	determine	VERB
ajfa-7687	175	19	npas	npas	PROPN
ajfa-7687	175	20	,	,	PUNCT
ajfa-7687	175	21	i	i	PRON
ajfa-7687	175	22	and	and	CCONJ
ajfa-7687	175	23	t	t	PROPN
ajfa-7687	175	24	represents	represent	VERB
ajfa-7687	175	25	bank	bank	NOUN
ajfa-7687	175	26	and	and	CCONJ
ajfa-7687	175	27	year	year	NOUN
ajfa-7687	175	28	respectively	respectively	ADV
ajfa-7687	175	29	and	and	CCONJ
ajfa-7687	175	30	ε	ε	VERB
ajfa-7687	175	31	unexplained	unexplained	ADJ
ajfa-7687	175	32	residual	residual	ADJ
ajfa-7687	175	33	.	.	PUNCT
ajfa-7687	176	1	the	the	DET
ajfa-7687	176	2	financial	financial	ADJ
ajfa-7687	176	3	data	datum	NOUN
ajfa-7687	176	4	of	of	ADP
ajfa-7687	176	5	banks	bank	NOUN
ajfa-7687	176	6	are	be	AUX
ajfa-7687	176	7	taken	take	VERB
ajfa-7687	176	8	from	from	ADP
ajfa-7687	176	9	“	"	PUNCT
ajfa-7687	176	10	statistical	statistical	ADJ
ajfa-7687	176	11	tables	table	NOUN
ajfa-7687	176	12	relating	relate	VERB
ajfa-7687	176	13	to	to	ADP
ajfa-7687	176	14	banks	bank	NOUN
ajfa-7687	176	15	”	"	PUNCT
ajfa-7687	176	16	(	(	PUNCT
ajfa-7687	176	17	2001	2001	NUM
ajfa-7687	176	18	-	-	SYM
ajfa-7687	176	19	2012	2012	NUM
ajfa-7687	176	20	)	)	PUNCT
ajfa-7687	176	21	published	publish	VERB
ajfa-7687	176	22	by	by	ADP
ajfa-7687	176	23	rbi	rbi	NOUN
ajfa-7687	176	24	and	and	CCONJ
ajfa-7687	176	25	data	datum	NOUN
ajfa-7687	176	26	on	on	ADP
ajfa-7687	176	27	macro	macro	ADJ
ajfa-7687	176	28	-	-	ADJ
ajfa-7687	176	29	economic	economic	ADJ
ajfa-7687	176	30	variables	variable	NOUN
ajfa-7687	176	31	have	have	AUX
ajfa-7687	176	32	been	be	AUX
ajfa-7687	176	33	obtained	obtain	VERB
ajfa-7687	176	34	from	from	ADP
ajfa-7687	176	35	rbi	rbi	NOUN
ajfa-7687	176	36	website	website	NOUN
ajfa-7687	176	37	.	.	PUNCT
ajfa-7687	177	1	our	our	PRON
ajfa-7687	177	2	data	datum	NOUN
ajfa-7687	177	3	set	set	VERB
ajfa-7687	177	4	consists	consist	VERB
ajfa-7687	177	5	of	of	ADP
ajfa-7687	177	6	41	41	NUM
ajfa-7687	177	7	public	public	ADJ
ajfa-7687	177	8	and	and	CCONJ
ajfa-7687	177	9	domestic	domestic	ADJ
ajfa-7687	177	10	private	private	ADJ
ajfa-7687	177	11	sector	sector	NOUN
ajfa-7687	177	12	banks	bank	NOUN
ajfa-7687	177	13	and	and	CCONJ
ajfa-7687	177	14	period	period	NOUN
ajfa-7687	177	15	of	of	ADP
ajfa-7687	177	16	study	study	NOUN
ajfa-7687	177	17	is	be	AUX
ajfa-7687	177	18	from	from	ADP
ajfa-7687	177	19	2001	2001	NUM
ajfa-7687	177	20	-	-	SYM
ajfa-7687	177	21	2012	2012	NUM
ajfa-7687	177	22	.	.	PUNCT
ajfa-7687	178	1	this	this	DET
ajfa-7687	178	2	kind	kind	NOUN
ajfa-7687	178	3	of	of	ADP
ajfa-7687	178	4	dataset	dataset	NOUN
ajfa-7687	178	5	allows	allow	VERB
ajfa-7687	178	6	us	we	PRON
ajfa-7687	178	7	to	to	PART
ajfa-7687	178	8	look	look	VERB
ajfa-7687	178	9	at	at	ADP
ajfa-7687	178	10	,	,	PUNCT
ajfa-7687	178	11	a	a	DET
ajfa-7687	178	12	certain	certain	ADJ
ajfa-7687	178	13	number	number	NOUN
ajfa-7687	178	14	of	of	ADP
ajfa-7687	178	15	units	unit	NOUN
ajfa-7687	178	16	over	over	ADP
ajfa-7687	178	17	time	time	NOUN
ajfa-7687	178	18	,	,	PUNCT
ajfa-7687	178	19	mainly	mainly	ADV
ajfa-7687	178	20	through	through	ADP
ajfa-7687	178	21	fixed	fix	VERB
ajfa-7687	178	22	or	or	CCONJ
ajfa-7687	178	23	random	random	ADJ
ajfa-7687	178	24	effects	effect	NOUN
ajfa-7687	178	25	models	model	NOUN
ajfa-7687	178	26	and	and	CCONJ
ajfa-7687	178	27	dynamic	dynamic	ADJ
ajfa-7687	178	28	econometric	econometric	ADJ
ajfa-7687	178	29	models	model	NOUN
ajfa-7687	178	30	.	.	PUNCT
ajfa-7687	179	1	specifically	specifically	ADV
ajfa-7687	179	2	,	,	PUNCT
ajfa-7687	179	3	according	accord	VERB
ajfa-7687	179	4	to	to	ADP
ajfa-7687	179	5	relevant	relevant	ADJ
ajfa-7687	179	6	econometric	econometric	ADJ
ajfa-7687	179	7	literature	literature	NOUN
ajfa-7687	179	8	(	(	PUNCT
ajfa-7687	179	9	e.g	e.g	PROPN
ajfa-7687	179	10	..	..	PUNCT
ajfa-7687	179	11	hsiao	hsiao	PROPN
ajfa-7687	179	12	,	,	PUNCT
ajfa-7687	179	13	1985	1985	NUM
ajfa-7687	179	14	;	;	PUNCT
ajfa-7687	179	15	hsiao	hsiao	PROPN
ajfa-7687	179	16	,	,	PUNCT
ajfa-7687	179	17	2014	2014	NUM
ajfa-7687	179	18	;	;	PUNCT
ajfa-7687	179	19	ozkan	ozkan	VERB
ajfa-7687	179	20	,	,	PUNCT
ajfa-7687	179	21	2001	2001	NUM
ajfa-7687	179	22	;	;	PUNCT
ajfa-7687	179	23	gaud	gaud	PROPN
ajfa-7687	179	24	et	et	PROPN
ajfa-7687	179	25	al	al	PROPN
ajfa-7687	179	26	.	.	PROPN
ajfa-7687	179	27	,	,	PUNCT
ajfa-7687	179	28	2005	2005	NUM
ajfa-7687	179	29	;	;	PUNCT
ajfa-7687	179	30	wooldridge	wooldridge	PROPN
ajfa-7687	179	31	,	,	PUNCT
ajfa-7687	179	32	2006	2006	NUM
ajfa-7687	179	33	;	;	PUNCT
ajfa-7687	179	34	colin	colin	PROPN
ajfa-7687	179	35	and	and	CCONJ
ajfa-7687	179	36	trivedi	trivedi	PROPN
ajfa-7687	179	37	,	,	PUNCT
ajfa-7687	179	38	2005	2005	NUM
ajfa-7687	179	39	;	;	PUNCT
ajfa-7687	179	40	baltagi	baltagi	NOUN
ajfa-7687	179	41	,	,	PUNCT
ajfa-7687	179	42	1995	1995	NUM
ajfa-7687	179	43	,	,	PUNCT
ajfa-7687	179	44	stavros	stavros	PROPN
ajfa-7687	179	45	et	et	PROPN
ajfa-7687	179	46	al	al	PROPN
ajfa-7687	179	47	2011	2011	NUM
ajfa-7687	179	48	)	)	PUNCT
ajfa-7687	180	1	in	in	ADP
ajfa-7687	180	2	order	order	NOUN
ajfa-7687	180	3	to	to	PART
ajfa-7687	180	4	achieve	achieve	VERB
ajfa-7687	180	5	sufficient	sufficient	ADJ
ajfa-7687	180	6	estimates	estimate	NOUN
ajfa-7687	180	7	within	within	ADP
ajfa-7687	180	8	this	this	DET
ajfa-7687	180	9	short	short	ADJ
ajfa-7687	180	10	run	run	NOUN
ajfa-7687	180	11	sample	sample	NOUN
ajfa-7687	180	12	period	period	NOUN
ajfa-7687	180	13	(	(	PUNCT
ajfa-7687	180	14	2001	2001	NUM
ajfa-7687	180	15	-	-	SYM
ajfa-7687	180	16	2012	2012	NUM
ajfa-7687	180	17	)	)	PUNCT
ajfa-7687	180	18	,	,	PUNCT
ajfa-7687	180	19	it	it	PRON
ajfa-7687	180	20	is	be	AUX
ajfa-7687	180	21	necessary	necessary	ADJ
ajfa-7687	180	22	to	to	PART
ajfa-7687	180	23	use	use	VERB
ajfa-7687	180	24	panel	panel	NOUN
ajfa-7687	180	25	dataset	dataset	VERB
ajfa-7687	180	26	.	.	PUNCT
ajfa-7687	181	1	foreign	foreign	ADJ
ajfa-7687	181	2	banks	bank	NOUN
ajfa-7687	181	3	are	be	AUX
ajfa-7687	181	4	not	not	PART
ajfa-7687	181	5	included	include	VERB
ajfa-7687	181	6	in	in	ADP
ajfa-7687	181	7	the	the	DET
ajfa-7687	181	8	present	present	ADJ
ajfa-7687	181	9	study	study	NOUN
ajfa-7687	181	10	as	as	ADP
ajfa-7687	181	11	level	level	NOUN
ajfa-7687	181	12	of	of	ADP
ajfa-7687	181	13	npas	npas	NOUN
ajfa-7687	181	14	was	be	AUX
ajfa-7687	181	15	never	never	ADV
ajfa-7687	181	16	a	a	DET
ajfa-7687	181	17	problem	problem	NOUN
ajfa-7687	181	18	in	in	ADP
ajfa-7687	181	19	the	the	DET
ajfa-7687	181	20	case	case	NOUN
ajfa-7687	181	21	of	of	ADP
ajfa-7687	181	22	foreign	foreign	ADJ
ajfa-7687	181	23	banks	bank	NOUN
ajfa-7687	181	24	(	(	PUNCT
ajfa-7687	181	25	table	table	NOUN
ajfa-7687	181	26	3	3	NUM
ajfa-7687	181	27	)	)	PUNCT
ajfa-7687	181	28	,	,	PUNCT
ajfa-7687	181	29	proportion	proportion	NOUN
ajfa-7687	181	30	of	of	ADP
ajfa-7687	181	31	assets	asset	NOUN
ajfa-7687	181	32	in	in	ADP
ajfa-7687	181	33	indian	indian	ADJ
ajfa-7687	181	34	banking	banking	NOUN
ajfa-7687	181	35	industry	industry	NOUN
ajfa-7687	181	36	is	be	AUX
ajfa-7687	181	37	only	only	ADV
ajfa-7687	181	38	7	7	NUM
ajfa-7687	181	39	%	%	NOUN
ajfa-7687	181	40	(	(	PUNCT
ajfa-7687	181	41	table	table	NOUN
ajfa-7687	181	42	2	2	NUM
ajfa-7687	181	43	)	)	PUNCT
ajfa-7687	181	44	and	and	CCONJ
ajfa-7687	181	45	foreign	foreign	ADJ
ajfa-7687	181	46	banks	bank	NOUN
ajfa-7687	181	47	adopt	adopt	VERB
ajfa-7687	181	48	the	the	DET
ajfa-7687	181	49	strategy	strategy	NOUN
ajfa-7687	181	50	of	of	ADP
ajfa-7687	181	51	‘	'	PUNCT
ajfa-7687	181	52	intensive	intensive	ADJ
ajfa-7687	181	53	banking	banking	NOUN
ajfa-7687	181	54	‘	'	PUNCT
ajfa-7687	181	55	as	as	ADP
ajfa-7687	181	56	against	against	ADP
ajfa-7687	181	57	the	the	DET
ajfa-7687	181	58	strategy	strategy	NOUN
ajfa-7687	181	59	of	of	ADP
ajfa-7687	181	60	‘	'	PUNCT
ajfa-7687	181	61	extensive	extensive	ADJ
ajfa-7687	181	62	banking	banking	NOUN
ajfa-7687	181	63	’	'	PUNCT
ajfa-7687	181	64	by	by	ADP
ajfa-7687	181	65	public	public	ADJ
ajfa-7687	181	66	sector	sector	NOUN
ajfa-7687	181	67	banks	bank	NOUN
ajfa-7687	181	68	.	.	PUNCT
ajfa-7687	182	1	the	the	DET
ajfa-7687	182	2	analysis	analysis	NOUN
ajfa-7687	182	3	consists	consist	VERB
ajfa-7687	182	4	of	of	ADP
ajfa-7687	182	5	estimating	estimate	VERB
ajfa-7687	182	6	different	different	ADJ
ajfa-7687	182	7	versions	version	NOUN
ajfa-7687	182	8	of	of	ADP
ajfa-7687	182	9	the	the	DET
ajfa-7687	182	10	npa	npa	NOUN
ajfa-7687	182	11	equation	equation	NOUN
ajfa-7687	182	12	using	use	VERB
ajfa-7687	182	13	fixed	fix	VERB
ajfa-7687	182	14	effects	effect	NOUN
ajfa-7687	182	15	and	and	CCONJ
ajfa-7687	182	16	random	random	ADJ
ajfa-7687	182	17	effects	effect	NOUN
ajfa-7687	182	18	panel	panel	NOUN
ajfa-7687	182	19	regression	regression	NOUN
ajfa-7687	182	20	using	use	VERB
ajfa-7687	182	21	stata	stata	NOUN
ajfa-7687	182	22	12	12	NUM
ajfa-7687	182	23	.	.	PUNCT
ajfa-7687	183	1	the	the	DET
ajfa-7687	183	2	pooled	pool	VERB
ajfa-7687	183	3	ols	ol	NOUN
ajfa-7687	183	4	estimation	estimation	NOUN
ajfa-7687	183	5	of	of	ADP
ajfa-7687	183	6	equation	equation	NOUN
ajfa-7687	183	7	(	(	PUNCT
ajfa-7687	183	8	1	1	X
ajfa-7687	183	9	)	)	PUNCT
ajfa-7687	183	10	may	may	AUX
ajfa-7687	183	11	yield	yield	VERB
ajfa-7687	183	12	unsatisfactory	unsatisfactory	ADJ
ajfa-7687	183	13	results	result	NOUN
ajfa-7687	183	14	due	due	ADP
ajfa-7687	183	15	to	to	ADP
ajfa-7687	183	16	the	the	DET
ajfa-7687	183	17	nature	nature	NOUN
ajfa-7687	183	18	of	of	ADP
ajfa-7687	183	19	data	datum	NOUN
ajfa-7687	183	20	being	be	AUX
ajfa-7687	183	21	panel	panel	NOUN
ajfa-7687	183	22	data	datum	NOUN
ajfa-7687	183	23	,	,	PUNCT
ajfa-7687	183	24	time	time	NOUN
ajfa-7687	183	25	series	series	NOUN
ajfa-7687	183	26	and	and	CCONJ
ajfa-7687	183	27	cross	cross	PROPN
ajfa-7687	183	28	sectional	sectional	PROPN
ajfa-7687	183	29	.	.	PUNCT
ajfa-7687	184	1	therefore	therefore	ADV
ajfa-7687	184	2	,	,	PUNCT
ajfa-7687	184	3	fixed	fix	VERB
ajfa-7687	184	4	effects	effect	NOUN
ajfa-7687	184	5	and	and	CCONJ
ajfa-7687	184	6	random	random	ADJ
ajfa-7687	184	7	effects	effect	NOUN
ajfa-7687	184	8	regression	regression	NOUN
ajfa-7687	184	9	models	model	NOUN
ajfa-7687	184	10	were	be	AUX
ajfa-7687	184	11	deployed	deploy	VERB
ajfa-7687	184	12	.	.	PUNCT
ajfa-7687	185	1	to	to	PART
ajfa-7687	185	2	select	select	VERB
ajfa-7687	185	3	an	an	DET
ajfa-7687	185	4	appropriate	appropriate	ADJ
ajfa-7687	185	5	model	model	NOUN
ajfa-7687	185	6	between	between	ADP
ajfa-7687	185	7	random	random	ADJ
ajfa-7687	185	8	and	and	CCONJ
ajfa-7687	185	9	fixed	fix	VERB
ajfa-7687	185	10	,	,	PUNCT
ajfa-7687	185	11	the	the	DET
ajfa-7687	185	12	character	character	NOUN
ajfa-7687	185	13	of	of	ADP
ajfa-7687	185	14	the	the	DET
ajfa-7687	185	15	individual	individual	ADJ
ajfa-7687	185	16	effects	effect	NOUN
ajfa-7687	185	17	is	be	AUX
ajfa-7687	185	18	tested	test	VERB
ajfa-7687	185	19	through	through	ADP
ajfa-7687	185	20	hausman	hausman	PROPN
ajfa-7687	185	21	’s	’s	PART
ajfa-7687	185	22	test	test	NOUN
ajfa-7687	185	23	.	.	PUNCT
ajfa-7687	186	1	to	to	PART
ajfa-7687	186	2	find	find	VERB
ajfa-7687	186	3	out	out	ADP
ajfa-7687	186	4	whether	whether	SCONJ
ajfa-7687	186	5	the	the	DET
ajfa-7687	186	6	global	global	ADJ
ajfa-7687	186	7	financial	financial	ADJ
ajfa-7687	186	8	crisis	crisis	NOUN
ajfa-7687	186	9	had	have	VERB
ajfa-7687	186	10	any	any	DET
ajfa-7687	186	11	ameliorating	ameliorate	VERB
ajfa-7687	186	12	effect	effect	NOUN
ajfa-7687	186	13	on	on	ADP
ajfa-7687	186	14	npas	npas	NOUN
ajfa-7687	186	15	,	,	PUNCT
ajfa-7687	186	16	a	a	DET
ajfa-7687	186	17	dummy	dummy	ADJ
ajfa-7687	186	18	variable	variable	NOUN
ajfa-7687	186	19	(	(	PUNCT
ajfa-7687	186	20	gfcdum	gfcdum	PROPN
ajfa-7687	186	21	)	)	PUNCT
ajfa-7687	186	22	is	be	AUX
ajfa-7687	186	23	introduced	introduce	VERB
ajfa-7687	186	24	,	,	PUNCT
ajfa-7687	186	25	which	which	PRON
ajfa-7687	186	26	takes	take	VERB
ajfa-7687	186	27	the	the	DET
ajfa-7687	186	28	value	value	NOUN
ajfa-7687	186	29	one	one	NUM
ajfa-7687	186	30	from	from	ADP
ajfa-7687	186	31	the	the	DET
ajfa-7687	186	32	year	year	NOUN
ajfa-7687	186	33	2008	2008	NUM
ajfa-7687	186	34	and	and	CCONJ
ajfa-7687	186	35	zero	zero	NUM
ajfa-7687	186	36	for	for	ADP
ajfa-7687	186	37	other	other	ADJ
ajfa-7687	186	38	years	year	NOUN
ajfa-7687	186	39	.	.	PUNCT
ajfa-7687	187	1	to	to	PART
ajfa-7687	187	2	assess	assess	VERB
ajfa-7687	187	3	the	the	DET
ajfa-7687	187	4	impact	impact	NOUN
ajfa-7687	187	5	of	of	ADP
ajfa-7687	187	6	ownership	ownership	NOUN
ajfa-7687	187	7	on	on	ADP
ajfa-7687	187	8	npas	npas	NOUN
ajfa-7687	187	9	ownership	ownership	NOUN
ajfa-7687	187	10	dummies	dummy	NOUN
ajfa-7687	187	11	(	(	PUNCT
ajfa-7687	187	12	opbdum	opbdum	NOUN
ajfa-7687	187	13	for	for	ADP
ajfa-7687	187	14	old	old	ADJ
ajfa-7687	187	15	private	private	ADJ
ajfa-7687	187	16	banks	bank	NOUN
ajfa-7687	187	17	and	and	CCONJ
ajfa-7687	187	18	npbdum	npbdum	NOUN
ajfa-7687	187	19	for	for	ADP
ajfa-7687	187	20	new	new	ADJ
ajfa-7687	187	21	private	private	ADJ
ajfa-7687	187	22	banks	bank	NOUN
ajfa-7687	187	23	)	)	PUNCT
ajfa-7687	187	24	are	be	AUX
ajfa-7687	187	25	included	include	VERB
ajfa-7687	187	26	in	in	ADP
ajfa-7687	187	27	the	the	DET
ajfa-7687	187	28	npa	npa	NOUN
ajfa-7687	187	29	equation	equation	NOUN
ajfa-7687	187	30	.	.	PUNCT
ajfa-7687	188	1	we	we	PRON
ajfa-7687	188	2	begin	begin	VERB
ajfa-7687	188	3	the	the	DET
ajfa-7687	188	4	discussion	discussion	NOUN
ajfa-7687	188	5	of	of	ADP
ajfa-7687	188	6	our	our	PRON
ajfa-7687	188	7	analysis	analysis	NOUN
ajfa-7687	188	8	with	with	ADP
ajfa-7687	188	9	the	the	DET
ajfa-7687	188	10	estimation	estimation	NOUN
ajfa-7687	188	11	results	result	NOUN
ajfa-7687	188	12	of	of	ADP
ajfa-7687	188	13	the	the	DET
ajfa-7687	188	14	following	follow	VERB
ajfa-7687	188	15	versions	version	NOUN
ajfa-7687	188	16	of	of	ADP
ajfa-7687	188	17	equations	equation	NOUN
ajfa-7687	188	18	1	1	NUM
ajfa-7687	188	19	.	.	PUNCT
ajfa-7687	188	20	nnpa	nnpa	NOUN
ajfa-7687	188	21	=	=	SYM
ajfa-7687	188	22	f	f	PROPN
ajfa-7687	188	23	(	(	PUNCT
ajfa-7687	188	24	priadv	priadv	PROPN
ajfa-7687	188	25	,	,	PUNCT
ajfa-7687	188	26	roa	roa	PROPN
ajfa-7687	188	27	,	,	PUNCT
ajfa-7687	188	28	car	car	NOUN
ajfa-7687	188	29	,	,	PUNCT
ajfa-7687	188	30	gradv	gradv	NOUN
ajfa-7687	188	31	,	,	PUNCT
ajfa-7687	188	32	size	size	NOUN
ajfa-7687	188	33	,	,	PUNCT
ajfa-7687	188	34	ocr	ocr	NOUN
ajfa-7687	188	35	,	,	PUNCT
ajfa-7687	188	36	ggnp	ggnp	NOUN
ajfa-7687	188	37	,	,	PUNCT
ajfa-7687	188	38	gfcdum	gfcdum	PROPN
ajfa-7687	188	39	,	,	PUNCT
ajfa-7687	188	40	opbdum	opbdum	NOUN
ajfa-7687	188	41	,	,	PUNCT
ajfa-7687	188	42	npbdum	npbdum	NOUN
ajfa-7687	188	43	)	)	PUNCT
ajfa-7687	188	44	.	.	PUNCT
ajfa-7687	189	1	it	it	PRON
ajfa-7687	189	2	is	be	AUX
ajfa-7687	189	3	used	use	VERB
ajfa-7687	189	4	to	to	PART
ajfa-7687	189	5	assess	assess	VERB
ajfa-7687	189	6	the	the	DET
ajfa-7687	189	7	impact	impact	NOUN
ajfa-7687	189	8	of	of	ADP
ajfa-7687	189	9	ownership	ownership	NOUN
ajfa-7687	189	10	along	along	ADP
ajfa-7687	189	11	with	with	ADP
ajfa-7687	189	12	bank	bank	NOUN
ajfa-7687	189	13	specific	specific	ADJ
ajfa-7687	189	14	and	and	CCONJ
ajfa-7687	189	15	macroeconomic	macroeconomic	ADJ
ajfa-7687	189	16	variables	variable	NOUN
ajfa-7687	189	17	on	on	ADP
ajfa-7687	189	18	npas	npas	NOUN
ajfa-7687	189	19	of	of	ADP
ajfa-7687	189	20	the	the	DET
ajfa-7687	189	21	banks	bank	NOUN
ajfa-7687	189	22	using	use	VERB
ajfa-7687	189	23	fixed	fix	VERB
ajfa-7687	189	24	effects	effect	NOUN
ajfa-7687	189	25	panel	panel	NOUN
ajfa-7687	189	26	regression	regression	PROPN
ajfa-7687	189	27	model	model	PROPN
ajfa-7687	189	28	asian	asian	PROPN
ajfa-7687	189	29	journal	journal	PROPN
ajfa-7687	189	30	of	of	ADP
ajfa-7687	189	31	finance	finance	PROPN
ajfa-7687	189	32	&	&	CCONJ
ajfa-7687	189	33	accounting	accounting	PROPN
ajfa-7687	189	34	issn	issn	PROPN
ajfa-7687	189	35	1946	1946	NUM
ajfa-7687	189	36	-	-	PUNCT
ajfa-7687	189	37	052x	052x	NOUN
ajfa-7687	189	38	2015	2015	NUM
ajfa-7687	189	39	,	,	PUNCT
ajfa-7687	189	40	vol	vol	NOUN
ajfa-7687	189	41	.	.	PROPN
ajfa-7687	190	1	7	7	NUM
ajfa-7687	190	2	,	,	PUNCT
ajfa-7687	190	3	no	no	INTJ
ajfa-7687	190	4	.	.	NOUN
ajfa-7687	190	5	1	1	NUM
ajfa-7687	190	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-7687	190	7	197	197	NUM
ajfa-7687	190	8	2	2	NUM
ajfa-7687	190	9	.	.	PUNCT
ajfa-7687	190	10	nnpa	nnpa	NOUN
ajfa-7687	190	11	=	=	SYM
ajfa-7687	190	12	f	f	PROPN
ajfa-7687	190	13	(	(	PUNCT
ajfa-7687	190	14	priadv	priadv	PROPN
ajfa-7687	190	15	,	,	PUNCT
ajfa-7687	190	16	roa	roa	PROPN
ajfa-7687	190	17	,	,	PUNCT
ajfa-7687	190	18	car	car	NOUN
ajfa-7687	190	19	,	,	PUNCT
ajfa-7687	190	20	gradv	gradv	NOUN
ajfa-7687	190	21	,	,	PUNCT
ajfa-7687	190	22	size	size	NOUN
ajfa-7687	190	23	,	,	PUNCT
ajfa-7687	190	24	ocr	ocr	NOUN
ajfa-7687	190	25	,	,	PUNCT
ajfa-7687	190	26	ggnp	ggnp	NOUN
ajfa-7687	190	27	,	,	PUNCT
ajfa-7687	190	28	gfcdum	gfcdum	PROPN
ajfa-7687	190	29	,	,	PUNCT
ajfa-7687	190	30	opbdum	opbdum	NOUN
ajfa-7687	190	31	,	,	PUNCT
ajfa-7687	190	32	npbdum	npbdum	NOUN
ajfa-7687	190	33	)	)	PUNCT
ajfa-7687	190	34	.	.	PUNCT
ajfa-7687	191	1	it	it	PRON
ajfa-7687	191	2	is	be	AUX
ajfa-7687	191	3	used	use	VERB
ajfa-7687	191	4	to	to	PART
ajfa-7687	191	5	assess	assess	VERB
ajfa-7687	191	6	the	the	DET
ajfa-7687	191	7	impact	impact	NOUN
ajfa-7687	191	8	of	of	ADP
ajfa-7687	191	9	ownership	ownership	NOUN
ajfa-7687	191	10	along	along	ADP
ajfa-7687	191	11	with	with	ADP
ajfa-7687	191	12	bank	bank	NOUN
ajfa-7687	191	13	specific	specific	ADJ
ajfa-7687	191	14	and	and	CCONJ
ajfa-7687	191	15	macroeconomic	macroeconomic	ADJ
ajfa-7687	191	16	variables	variable	NOUN
ajfa-7687	191	17	on	on	ADP
ajfa-7687	191	18	npas	npas	NOUN
ajfa-7687	191	19	of	of	ADP
ajfa-7687	191	20	the	the	DET
ajfa-7687	191	21	banks	bank	NOUN
ajfa-7687	191	22	using	use	VERB
ajfa-7687	191	23	random	random	ADJ
ajfa-7687	191	24	effects	effect	NOUN
ajfa-7687	191	25	panel	panel	NOUN
ajfa-7687	191	26	regression	regression	NOUN
ajfa-7687	191	27	model	model	NOUN
ajfa-7687	191	28	8	8	NUM
ajfa-7687	191	29	.	.	PUNCT
ajfa-7687	192	1	results	result	NOUN
ajfa-7687	192	2	and	and	CCONJ
ajfa-7687	192	3	discussion	discussion	NOUN
ajfa-7687	192	4	8.1	8.1	NUM
ajfa-7687	192	5	descriptive	descriptive	ADJ
ajfa-7687	192	6	statistics	statistic	NOUN
ajfa-7687	192	7	and	and	CCONJ
ajfa-7687	192	8	correlation	correlation	NOUN
ajfa-7687	192	9	summary	summary	NOUN
ajfa-7687	192	10	statistics	statistic	NOUN
ajfa-7687	192	11	for	for	ADP
ajfa-7687	192	12	the	the	DET
ajfa-7687	192	13	set	set	NOUN
ajfa-7687	192	14	of	of	ADP
ajfa-7687	192	15	variables	variable	NOUN
ajfa-7687	192	16	in	in	ADP
ajfa-7687	192	17	this	this	DET
ajfa-7687	192	18	study	study	NOUN
ajfa-7687	192	19	is	be	AUX
ajfa-7687	192	20	presented	present	VERB
ajfa-7687	192	21	in	in	ADP
ajfa-7687	192	22	the	the	DET
ajfa-7687	192	23	following	follow	VERB
ajfa-7687	192	24	table	table	NOUN
ajfa-7687	192	25	table	table	NOUN
ajfa-7687	192	26	6	6	NUM
ajfa-7687	192	27	.	.	PUNCT
ajfa-7687	193	1	summary	summary	NOUN
ajfa-7687	193	2	statistics	statistic	NOUN
ajfa-7687	193	3	of	of	ADP
ajfa-7687	193	4	explanatory	explanatory	ADJ
ajfa-7687	193	5	variables	variable	NOUN
ajfa-7687	193	6	variable	variable	ADJ
ajfa-7687	193	7	observations	observation	NOUN
ajfa-7687	193	8	mean	mean	VERB
ajfa-7687	193	9	std	std	X
ajfa-7687	193	10	.	.	PROPN
ajfa-7687	193	11	dev	dev	PROPN
ajfa-7687	193	12	.	.	PUNCT
ajfa-7687	194	1	min	min	PROPN
ajfa-7687	194	2	max	max	PROPN
ajfa-7687	194	3	nnpa	nnpa	PROPN
ajfa-7687	194	4	492	492	NUM
ajfa-7687	194	5	2.607	2.607	NUM
ajfa-7687	194	6	2.897	2.897	NUM
ajfa-7687	194	7	0	0	NUM
ajfa-7687	194	8	18.37	18.37	NUM
ajfa-7687	194	9	pradv	pradv	NOUN
ajfa-7687	194	10	492	492	NUM
ajfa-7687	194	11	34.199	34.199	NUM
ajfa-7687	194	12	6.937	6.937	NUM
ajfa-7687	194	13	4.22	4.22	NUM
ajfa-7687	194	14	56.69	56.69	NUM
ajfa-7687	194	15	roa	roa	NOUN
ajfa-7687	194	16	492	492	NUM
ajfa-7687	194	17	0.969	0.969	NUM
ajfa-7687	194	18	0.527	0.527	NUM
ajfa-7687	194	19	-3.38	-3.38	NUM
ajfa-7687	194	20	2.43	2.43	NUM
ajfa-7687	194	21	car	car	NOUN
ajfa-7687	194	22	492	492	NUM
ajfa-7687	194	23	13.203	13.203	NUM
ajfa-7687	194	24	3.91	3.91	NUM
ajfa-7687	194	25	0	0	NUM
ajfa-7687	194	26	56.41	56.41	NUM
ajfa-7687	194	27	gradv	gradv	NOUN
ajfa-7687	194	28	451	451	NUM
ajfa-7687	194	29	25.708	25.708	NUM
ajfa-7687	194	30	32.737	32.737	NUM
ajfa-7687	194	31	-80.94	-80.94	NUM
ajfa-7687	194	32	568.92	568.92	NUM
ajfa-7687	194	33	size	size	NOUN
ajfa-7687	194	34	(	(	PUNCT
ajfa-7687	194	35	ln	ln	ADJ
ajfa-7687	194	36	assets	asset	NOUN
ajfa-7687	194	37	)	)	PUNCT
ajfa-7687	194	38	492	492	NUM
ajfa-7687	194	39	14.978	14.978	NUM
ajfa-7687	194	40	1.449	1.449	NUM
ajfa-7687	194	41	10.97	10.97	NUM
ajfa-7687	194	42	18.71	18.71	NUM
ajfa-7687	194	43	ocr	ocr	NOUN
ajfa-7687	194	44	492	492	NUM
ajfa-7687	194	45	1.977	1.977	NUM
ajfa-7687	194	46	0.563	0.563	NUM
ajfa-7687	194	47	0.6	0.6	NUM
ajfa-7687	194	48	4.07	4.07	NUM
ajfa-7687	194	49	ggnp	ggnp	NOUN
ajfa-7687	194	50	492	492	NUM
ajfa-7687	194	51	7.24	7.24	NUM
ajfa-7687	194	52	1.883	1.883	NUM
ajfa-7687	194	53	3.99	3.99	NUM
ajfa-7687	194	54	9.75	9.75	NUM
ajfa-7687	194	55	source	source	NOUN
ajfa-7687	194	56	:	:	PUNCT
ajfa-7687	194	57	author	author	NOUN
ajfa-7687	194	58	computations	computation	VERB
ajfa-7687	194	59	the	the	DET
ajfa-7687	194	60	volatility	volatility	NOUN
ajfa-7687	194	61	of	of	ADP
ajfa-7687	194	62	variables	variable	NOUN
ajfa-7687	194	63	lies	lie	VERB
ajfa-7687	194	64	within	within	ADP
ajfa-7687	194	65	the	the	DET
ajfa-7687	194	66	expected	expect	VERB
ajfa-7687	194	67	range	range	NOUN
ajfa-7687	194	68	except	except	SCONJ
ajfa-7687	194	69	for	for	ADP
ajfa-7687	194	70	the	the	DET
ajfa-7687	194	71	variable	variable	NOUN
ajfa-7687	194	72	of	of	ADP
ajfa-7687	194	73	growth	growth	NOUN
ajfa-7687	194	74	in	in	ADP
ajfa-7687	194	75	advances	advance	NOUN
ajfa-7687	194	76	(	(	PUNCT
ajfa-7687	194	77	gradv	gradv	NOUN
ajfa-7687	194	78	)	)	PUNCT
ajfa-7687	194	79	which	which	PRON
ajfa-7687	194	80	seems	seem	VERB
ajfa-7687	194	81	to	to	PART
ajfa-7687	194	82	be	be	AUX
ajfa-7687	194	83	dominated	dominate	VERB
ajfa-7687	194	84	by	by	ADP
ajfa-7687	194	85	outliers	outlier	NOUN
ajfa-7687	194	86	.	.	PUNCT
ajfa-7687	195	1	furthermore	furthermore	ADV
ajfa-7687	195	2	,	,	PUNCT
ajfa-7687	195	3	we	we	PRON
ajfa-7687	195	4	note	note	VERB
ajfa-7687	195	5	that	that	SCONJ
ajfa-7687	195	6	average	average	ADJ
ajfa-7687	195	7	npa	npa	NOUN
ajfa-7687	195	8	ratio	ratio	NOUN
ajfa-7687	195	9	of	of	ADP
ajfa-7687	195	10	2.6	2.6	NUM
ajfa-7687	195	11	%	%	NOUN
ajfa-7687	195	12	is	be	AUX
ajfa-7687	195	13	on	on	ADP
ajfa-7687	195	14	higher	high	ADJ
ajfa-7687	195	15	side	side	NOUN
ajfa-7687	195	16	when	when	SCONJ
ajfa-7687	195	17	compared	compare	VERB
ajfa-7687	195	18	with	with	ADP
ajfa-7687	195	19	global	global	ADJ
ajfa-7687	195	20	standards	standard	NOUN
ajfa-7687	195	21	(	(	PUNCT
ajfa-7687	195	22	table	table	NOUN
ajfa-7687	195	23	4	4	NUM
ajfa-7687	195	24	)	)	PUNCT
ajfa-7687	195	25	.	.	PUNCT
ajfa-7687	196	1	mean	mean	VERB
ajfa-7687	196	2	profitability	profitability	NOUN
ajfa-7687	196	3	of	of	ADP
ajfa-7687	196	4	0.97	0.97	NUM
ajfa-7687	196	5	%	%	NOUN
ajfa-7687	196	6	with	with	ADP
ajfa-7687	196	7	volatility.52	volatility.52	ADJ
ajfa-7687	196	8	%	%	NOUN
ajfa-7687	196	9	is	be	AUX
ajfa-7687	196	10	moderately	moderately	ADV
ajfa-7687	196	11	good	good	ADJ
ajfa-7687	196	12	and	and	CCONJ
ajfa-7687	196	13	capital	capital	NOUN
ajfa-7687	196	14	adequacy	adequacy	NOUN
ajfa-7687	196	15	of	of	ADP
ajfa-7687	196	16	13.2	13.2	NUM
ajfa-7687	196	17	%	%	NOUN
ajfa-7687	196	18	is	be	AUX
ajfa-7687	196	19	higher	high	ADJ
ajfa-7687	196	20	than	than	ADP
ajfa-7687	196	21	the	the	DET
ajfa-7687	196	22	stipulated	stipulate	VERB
ajfa-7687	196	23	ratio	ratio	NOUN
ajfa-7687	196	24	of	of	ADP
ajfa-7687	196	25	9	9	NUM
ajfa-7687	196	26	%	%	NOUN
ajfa-7687	196	27	(	(	PUNCT
ajfa-7687	196	28	rbi	rbi	NOUN
ajfa-7687	196	29	2004	2004	NUM
ajfa-7687	196	30	)	)	PUNCT
ajfa-7687	196	31	.	.	PUNCT
ajfa-7687	197	1	the	the	DET
ajfa-7687	197	2	following	follow	VERB
ajfa-7687	197	3	table	table	NOUN
ajfa-7687	197	4	indicates	indicate	VERB
ajfa-7687	197	5	the	the	DET
ajfa-7687	197	6	matrix	matrix	NOUN
ajfa-7687	197	7	of	of	ADP
ajfa-7687	197	8	correlation	correlation	NOUN
ajfa-7687	197	9	coefficients	coefficient	NOUN
ajfa-7687	197	10	between	between	ADP
ajfa-7687	197	11	npa	npa	NOUN
ajfa-7687	197	12	ratio	ratio	NOUN
ajfa-7687	197	13	and	and	CCONJ
ajfa-7687	197	14	independent	independent	ADJ
ajfa-7687	197	15	variables	variable	NOUN
ajfa-7687	197	16	.	.	PUNCT
ajfa-7687	198	1	it	it	PRON
ajfa-7687	198	2	is	be	AUX
ajfa-7687	198	3	evident	evident	ADJ
ajfa-7687	198	4	that	that	SCONJ
ajfa-7687	198	5	there	there	PRON
ajfa-7687	198	6	is	be	VERB
ajfa-7687	198	7	no	no	DET
ajfa-7687	198	8	problem	problem	NOUN
ajfa-7687	198	9	of	of	ADP
ajfa-7687	198	10	multi	multi	ADJ
ajfa-7687	198	11	-	-	NOUN
ajfa-7687	198	12	collinearity	collinearity	ADJ
ajfa-7687	198	13	(	(	PUNCT
ajfa-7687	198	14	mean	mean	INTJ
ajfa-7687	198	15	vif	vif	X
ajfa-7687	198	16	=	=	NOUN
ajfa-7687	198	17	1.25	1.25	NUM
ajfa-7687	198	18	)	)	PUNCT
ajfa-7687	198	19	asian	asian	ADJ
ajfa-7687	198	20	journal	journal	NOUN
ajfa-7687	198	21	of	of	ADP
ajfa-7687	198	22	finance	finance	PROPN
ajfa-7687	198	23	&	&	CCONJ
ajfa-7687	198	24	accounting	accounting	PROPN
ajfa-7687	198	25	issn	issn	PROPN
ajfa-7687	198	26	1946	1946	NUM
ajfa-7687	198	27	-	-	PUNCT
ajfa-7687	198	28	052x	052x	NOUN
ajfa-7687	198	29	2015	2015	NUM
ajfa-7687	198	30	,	,	PUNCT
ajfa-7687	198	31	vol	vol	NOUN
ajfa-7687	198	32	.	.	PROPN
ajfa-7687	198	33	7	7	NUM
ajfa-7687	198	34	,	,	PUNCT
ajfa-7687	198	35	no	no	INTJ
ajfa-7687	198	36	.	.	NOUN
ajfa-7687	198	37	1	1	NUM
ajfa-7687	198	38	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	198	39	198	198	NUM
ajfa-7687	198	40	table	table	NOUN
ajfa-7687	198	41	7	7	NUM
ajfa-7687	198	42	.	.	PUNCT
ajfa-7687	198	43	correlation	correlation	NOUN
ajfa-7687	198	44	matrix	matrix	NOUN
ajfa-7687	198	45	of	of	ADP
ajfa-7687	198	46	explanatory	explanatory	ADJ
ajfa-7687	198	47	variables	variable	NOUN
ajfa-7687	198	48	variables	variable	VERB
ajfa-7687	198	49	nnpa	nnpa	VERB
ajfa-7687	198	50	pradv	pradv	PROPN
ajfa-7687	198	51	roa	roa	PROPN
ajfa-7687	198	52	car	car	NOUN
ajfa-7687	198	53	gradv	gradv	NOUN
ajfa-7687	198	54	size	size	NOUN
ajfa-7687	198	55	ocr	ocr	PROPN
ajfa-7687	198	56	ggnp	ggnp	PROPN
ajfa-7687	198	57	nnpa	nnpa	NOUN
ajfa-7687	198	58	1	1	NUM
ajfa-7687	198	59	pradv	pradv	NOUN
ajfa-7687	198	60	-0.0913	-0.0913	NOUN
ajfa-7687	198	61	*	*	SYM
ajfa-7687	198	62	1	1	NUM
ajfa-7687	198	63	0.043	0.043	NUM
ajfa-7687	198	64	roa	roa	NOUN
ajfa-7687	198	65	-0.3626	-0.3626	NOUN
ajfa-7687	198	66	*	*	PROPN
ajfa-7687	198	67	0.082	0.082	NUM
ajfa-7687	198	68	1	1	NUM
ajfa-7687	198	69	0	0	NUM
ajfa-7687	198	70	0.0693	0.0693	NUM
ajfa-7687	198	71	car	car	NOUN
ajfa-7687	198	72	-0.2666	-0.2666	NOUN
ajfa-7687	198	73	*	*	PUNCT
ajfa-7687	199	1	0.0423	0.0423	NUM
ajfa-7687	199	2	0.2906	0.2906	NUM
ajfa-7687	199	3	1	1	NUM
ajfa-7687	199	4	0	0	NUM
ajfa-7687	199	5	0.3495	0.3495	NUM
ajfa-7687	199	6	0	0	NUM
ajfa-7687	199	7	gradv	gradv	NOUN
ajfa-7687	199	8	-0.1216	-0.1216	NOUN
ajfa-7687	199	9	*	*	PUNCT
ajfa-7687	199	10	-0.2158	-0.2158	NOUN
ajfa-7687	199	11	0.0715	0.0715	VERB
ajfa-7687	199	12	0.0264	0.0264	NUM
ajfa-7687	199	13	1	1	NUM
ajfa-7687	199	14	0.0097	0.0097	NUM
ajfa-7687	199	15	0	0	NUM
ajfa-7687	199	16	0.1294	0.1294	NUM
ajfa-7687	199	17	0.5767	0.5767	NUM
ajfa-7687	199	18	size	size	NOUN
ajfa-7687	199	19	-0.3409	-0.3409	NOUN
ajfa-7687	199	20	*	*	PUNCT
ajfa-7687	199	21	-0.2797	-0.2797	NOUN
ajfa-7687	200	1	0.0788	0.0788	NUM
ajfa-7687	200	2	-0.1426	-0.1426	NOUN
ajfa-7687	201	1	0.1015	0.1015	NUM
ajfa-7687	201	2	1	1	NUM
ajfa-7687	201	3	0	0	NUM
ajfa-7687	201	4	0	0	NUM
ajfa-7687	201	5	0.0806	0.0806	NUM
ajfa-7687	201	6	0.0015	0.0015	NUM
ajfa-7687	201	7	0.0311	0.0311	NUM
ajfa-7687	201	8	ocr	ocr	PROPN
ajfa-7687	201	9	0.4843	0.4843	NUM
ajfa-7687	201	10	*	*	SYM
ajfa-7687	201	11	0.203	0.203	NUM
ajfa-7687	201	12	-0.3829	-0.3829	NOUN
ajfa-7687	201	13	-0.0895	-0.0895	NOUN
ajfa-7687	201	14	-0.1779	-0.1779	NOUN
ajfa-7687	201	15	-0.3973	-0.3973	VERB
ajfa-7687	201	16	1	1	NUM
ajfa-7687	201	17	0	0	NUM
ajfa-7687	201	18	0	0	NUM
ajfa-7687	201	19	0	0	NUM
ajfa-7687	201	20	0.0473	0.0473	NUM
ajfa-7687	201	21	0.0001	0.0001	NUM
ajfa-7687	201	22	0	0	NUM
ajfa-7687	201	23	ggnp	ggnp	NOUN
ajfa-7687	201	24	-0.5967	-0.5967	NOUN
ajfa-7687	201	25	*	*	PROPN
ajfa-7687	202	1	0.2037	0.2037	NUM
ajfa-7687	202	2	0.0706	0.0706	NUM
ajfa-7687	202	3	0.0876	0.0876	NUM
ajfa-7687	202	4	0.032	0.032	NUM
ajfa-7687	202	5	0.1908	0.1908	NUM
ajfa-7687	202	6	-0.2726	-0.2726	NOUN
ajfa-7687	202	7	1	1	NUM
ajfa-7687	202	8	0	0	NUM
ajfa-7687	202	9	0	0	NUM
ajfa-7687	202	10	0.1176	0.1176	NUM
ajfa-7687	202	11	0.0521	0.0521	NUM
ajfa-7687	202	12	0.4978	0.4978	NUM
ajfa-7687	202	13	0	0	NUM
ajfa-7687	202	14	0	0	NUM
ajfa-7687	202	15	note	note	NOUN
ajfa-7687	202	16	:	:	PUNCT
ajfa-7687	202	17	*	*	PUNCT
ajfa-7687	202	18	significant	significant	ADJ
ajfa-7687	202	19	at	at	ADP
ajfa-7687	202	20	1	1	NUM
ajfa-7687	202	21	%	%	NOUN
ajfa-7687	202	22	,	,	PUNCT
ajfa-7687	202	23	*	*	PUNCT
ajfa-7687	202	24	*	*	PUNCT
ajfa-7687	202	25	significant	significant	ADJ
ajfa-7687	202	26	at	at	ADP
ajfa-7687	202	27	5	5	NUM
ajfa-7687	202	28	%	%	NOUN
ajfa-7687	202	29	source	source	NOUN
ajfa-7687	202	30	:	:	PUNCT
ajfa-7687	202	31	author	author	NOUN
ajfa-7687	202	32	computations	computation	NOUN
ajfa-7687	202	33	observing	observe	VERB
ajfa-7687	202	34	the	the	DET
ajfa-7687	202	35	summary	summary	NOUN
ajfa-7687	202	36	results	result	NOUN
ajfa-7687	202	37	of	of	ADP
ajfa-7687	202	38	model	model	NOUN
ajfa-7687	202	39	1	1	NUM
ajfa-7687	202	40	(	(	PUNCT
ajfa-7687	202	41	table	table	NOUN
ajfa-7687	202	42	8)	8)	NUM
ajfa-7687	202	43	,	,	PUNCT
ajfa-7687	202	44	it	it	PRON
ajfa-7687	202	45	is	be	AUX
ajfa-7687	202	46	found	find	VERB
ajfa-7687	202	47	that	that	SCONJ
ajfa-7687	202	48	the	the	DET
ajfa-7687	202	49	coefficients	coefficient	NOUN
ajfa-7687	202	50	of	of	ADP
ajfa-7687	202	51	the	the	DET
ajfa-7687	202	52	variables	variable	NOUN
ajfa-7687	202	53	considered	consider	VERB
ajfa-7687	202	54	have	have	VERB
ajfa-7687	202	55	mixed	mixed	ADJ
ajfa-7687	202	56	results	result	NOUN
ajfa-7687	202	57	.	.	PUNCT
ajfa-7687	203	1	pradv	pradv	PROPN
ajfa-7687	203	2	is	be	AUX
ajfa-7687	203	3	negatively	negatively	ADV
ajfa-7687	203	4	significantly	significantly	ADV
ajfa-7687	203	5	associated	associate	VERB
ajfa-7687	203	6	with	with	ADP
ajfa-7687	203	7	npas	npas	NOUN
ajfa-7687	203	8	.	.	PUNCT
ajfa-7687	204	1	this	this	DET
ajfa-7687	204	2	result	result	NOUN
ajfa-7687	204	3	is	be	AUX
ajfa-7687	204	4	against	against	ADP
ajfa-7687	204	5	the	the	DET
ajfa-7687	204	6	popular	popular	ADJ
ajfa-7687	204	7	belief	belief	NOUN
ajfa-7687	204	8	that	that	SCONJ
ajfa-7687	204	9	incidence	incidence	NOUN
ajfa-7687	204	10	of	of	ADP
ajfa-7687	204	11	npas	npas	NOUN
ajfa-7687	204	12	is	be	AUX
ajfa-7687	204	13	significantly	significantly	ADV
ajfa-7687	204	14	due	due	ADJ
ajfa-7687	204	15	to	to	ADP
ajfa-7687	204	16	directed	direct	VERB
ajfa-7687	204	17	lending	lending	NOUN
ajfa-7687	204	18	captured	capture	VERB
ajfa-7687	204	19	by	by	ADP
ajfa-7687	204	20	proportion	proportion	NOUN
ajfa-7687	204	21	of	of	ADP
ajfa-7687	204	22	priority	priority	NOUN
ajfa-7687	204	23	sector	sector	NOUN
ajfa-7687	204	24	advances	advance	NOUN
ajfa-7687	204	25	to	to	ADP
ajfa-7687	204	26	total	total	VERB
ajfa-7687	204	27	advances	advance	NOUN
ajfa-7687	204	28	.	.	PUNCT
ajfa-7687	205	1	due	due	ADP
ajfa-7687	205	2	to	to	ADP
ajfa-7687	205	3	rationalization	rationalization	NOUN
ajfa-7687	205	4	of	of	ADP
ajfa-7687	205	5	sub	sub	NOUN
ajfa-7687	205	6	components	component	NOUN
ajfa-7687	205	7	in	in	ADP
ajfa-7687	205	8	directed	direct	VERB
ajfa-7687	205	9	lending	lending	NOUN
ajfa-7687	205	10	and	and	CCONJ
ajfa-7687	205	11	deregulation	deregulation	NOUN
ajfa-7687	205	12	of	of	ADP
ajfa-7687	205	13	interest	interest	NOUN
ajfa-7687	205	14	rates	rate	NOUN
ajfa-7687	205	15	,	,	PUNCT
ajfa-7687	205	16	priority	priority	NOUN
ajfa-7687	205	17	sector	sector	NOUN
ajfa-7687	205	18	advances	advance	NOUN
ajfa-7687	205	19	are	be	AUX
ajfa-7687	205	20	disbursed	disburse	VERB
ajfa-7687	205	21	on	on	ADP
ajfa-7687	205	22	market	market	NOUN
ajfa-7687	205	23	principles	principle	NOUN
ajfa-7687	205	24	and	and	CCONJ
ajfa-7687	205	25	resulting	result	VERB
ajfa-7687	205	26	in	in	ADP
ajfa-7687	205	27	lower	low	ADJ
ajfa-7687	205	28	npas	npa	NOUN
ajfa-7687	205	29	than	than	SCONJ
ajfa-7687	205	30	expected	expect	VERB
ajfa-7687	205	31	.	.	PUNCT
ajfa-7687	206	1	roa	roa	PROPN
ajfa-7687	206	2	is	be	AUX
ajfa-7687	206	3	found	find	VERB
ajfa-7687	206	4	to	to	PART
ajfa-7687	206	5	be	be	AUX
ajfa-7687	206	6	negatively	negatively	ADV
ajfa-7687	206	7	associated	associate	VERB
ajfa-7687	206	8	with	with	ADP
ajfa-7687	206	9	npas	npas	NUM
ajfa-7687	206	10	indicating	indicate	VERB
ajfa-7687	206	11	that	that	SCONJ
ajfa-7687	206	12	highly	highly	ADV
ajfa-7687	206	13	profitable	profitable	ADJ
ajfa-7687	206	14	banks	bank	NOUN
ajfa-7687	206	15	exhibit	exhibit	VERB
ajfa-7687	206	16	efficient	efficient	ADJ
ajfa-7687	206	17	credit	credit	NOUN
ajfa-7687	206	18	management	management	NOUN
ajfa-7687	206	19	system	system	NOUN
ajfa-7687	206	20	and	and	CCONJ
ajfa-7687	206	21	thus	thus	ADV
ajfa-7687	206	22	lowers	lower	VERB
ajfa-7687	206	23	npas	npas	NOUN
ajfa-7687	206	24	.	.	PUNCT
ajfa-7687	207	1	car	car	NOUN
ajfa-7687	207	2	is	be	AUX
ajfa-7687	207	3	significantly	significantly	ADV
ajfa-7687	207	4	negatively	negatively	ADV
ajfa-7687	207	5	related	relate	VERB
ajfa-7687	207	6	to	to	ADP
ajfa-7687	207	7	npas	npas	NOUN
ajfa-7687	207	8	indicating	indicate	VERB
ajfa-7687	207	9	that	that	SCONJ
ajfa-7687	207	10	highly	highly	ADV
ajfa-7687	207	11	capitalized	capitalize	VERB
ajfa-7687	207	12	banks	bank	NOUN
ajfa-7687	207	13	exhibit	exhibit	VERB
ajfa-7687	207	14	lower	low	ADJ
ajfa-7687	207	15	npas	npa	NOUN
ajfa-7687	207	16	.	.	PUNCT
ajfa-7687	208	1	growth	growth	NOUN
ajfa-7687	208	2	in	in	ADP
ajfa-7687	208	3	advances	advance	NOUN
ajfa-7687	208	4	(	(	PUNCT
ajfa-7687	208	5	gradv	gradv	NOUN
ajfa-7687	208	6	)	)	PUNCT
ajfa-7687	208	7	is	be	AUX
ajfa-7687	208	8	negatively	negatively	ADV
ajfa-7687	208	9	associated	associate	VERB
ajfa-7687	208	10	with	with	ADP
ajfa-7687	208	11	npas	npa	NOUN
ajfa-7687	208	12	indicating	indicate	VERB
ajfa-7687	208	13	that	that	SCONJ
ajfa-7687	208	14	banks	bank	NOUN
ajfa-7687	208	15	which	which	PRON
ajfa-7687	208	16	concentrate	concentrate	VERB
ajfa-7687	208	17	on	on	ADP
ajfa-7687	208	18	more	more	ADJ
ajfa-7687	208	19	lending	lending	NOUN
ajfa-7687	208	20	may	may	AUX
ajfa-7687	208	21	have	have	VERB
ajfa-7687	208	22	developed	develop	VERB
ajfa-7687	208	23	expertise	expertise	NOUN
ajfa-7687	208	24	in	in	ADP
ajfa-7687	208	25	effectively	effectively	ADV
ajfa-7687	208	26	managing	manage	VERB
ajfa-7687	208	27	credit	credit	NOUN
ajfa-7687	208	28	risk	risk	NOUN
ajfa-7687	208	29	and	and	CCONJ
ajfa-7687	208	30	hence	hence	ADV
ajfa-7687	208	31	may	may	AUX
ajfa-7687	208	32	exhibit	exhibit	VERB
ajfa-7687	208	33	lower	low	ADJ
ajfa-7687	208	34	npas	npa	NOUN
ajfa-7687	208	35	.	.	PUNCT
ajfa-7687	209	1	the	the	DET
ajfa-7687	209	2	coefficient	coefficient	NOUN
ajfa-7687	209	3	of	of	ADP
ajfa-7687	209	4	size	size	NOUN
ajfa-7687	209	5	turns	turn	VERB
ajfa-7687	209	6	out	out	ADP
ajfa-7687	209	7	to	to	PART
ajfa-7687	209	8	be	be	AUX
ajfa-7687	209	9	negative	negative	ADJ
ajfa-7687	209	10	indicating	indicate	VERB
ajfa-7687	209	11	that	that	SCONJ
ajfa-7687	209	12	smaller	small	ADJ
ajfa-7687	209	13	banks	bank	NOUN
ajfa-7687	209	14	are	be	AUX
ajfa-7687	209	15	vulnerable	vulnerable	ADJ
ajfa-7687	209	16	to	to	ADP
ajfa-7687	209	17	high	high	ADJ
ajfa-7687	209	18	proportion	proportion	NOUN
ajfa-7687	209	19	of	of	ADP
ajfa-7687	209	20	npas	npa	NOUN
ajfa-7687	209	21	which	which	PRON
ajfa-7687	209	22	is	be	AUX
ajfa-7687	209	23	evident	evident	ADJ
ajfa-7687	209	24	from	from	ADP
ajfa-7687	209	25	the	the	DET
ajfa-7687	209	26	burgeoning	burgeon	VERB
ajfa-7687	209	27	npas	npas	NOUN
ajfa-7687	209	28	of	of	ADP
ajfa-7687	209	29	smaller	small	ADJ
ajfa-7687	209	30	banks	bank	NOUN
ajfa-7687	209	31	in	in	ADP
ajfa-7687	209	32	recent	recent	ADJ
ajfa-7687	209	33	years	year	NOUN
ajfa-7687	209	34	.	.	PUNCT
ajfa-7687	210	1	ocr	ocr	PROPN
ajfa-7687	210	2	is	be	AUX
ajfa-7687	210	3	found	find	VERB
ajfa-7687	210	4	to	to	PART
ajfa-7687	210	5	be	be	AUX
ajfa-7687	210	6	positively	positively	ADV
ajfa-7687	210	7	associated	associate	VERB
ajfa-7687	210	8	with	with	ADP
ajfa-7687	210	9	npas	npa	NOUN
ajfa-7687	210	10	.	.	PUNCT
ajfa-7687	211	1	in	in	ADP
ajfa-7687	211	2	other	other	ADJ
ajfa-7687	211	3	words	word	NOUN
ajfa-7687	211	4	,	,	PUNCT
ajfa-7687	211	5	inefficient	inefficient	ADJ
ajfa-7687	211	6	banks	bank	NOUN
ajfa-7687	211	7	have	have	VERB
ajfa-7687	211	8	higher	high	ADJ
ajfa-7687	211	9	incidence	incidence	NOUN
ajfa-7687	211	10	of	of	ADP
ajfa-7687	211	11	npas	npa	NOUN
ajfa-7687	211	12	.	.	PUNCT
ajfa-7687	212	1	coming	come	VERB
ajfa-7687	212	2	to	to	ADP
ajfa-7687	212	3	macroeconomic	macroeconomic	ADJ
ajfa-7687	212	4	conditions	condition	NOUN
ajfa-7687	212	5	,	,	PUNCT
ajfa-7687	212	6	it	it	PRON
ajfa-7687	212	7	is	be	AUX
ajfa-7687	212	8	found	find	VERB
ajfa-7687	212	9	that	that	SCONJ
ajfa-7687	212	10	gnp	gnp	PROPN
ajfa-7687	212	11	growth	growth	NOUN
ajfa-7687	212	12	is	be	AUX
ajfa-7687	212	13	significantly	significantly	ADV
ajfa-7687	212	14	negatively	negatively	ADV
ajfa-7687	212	15	associated	associate	VERB
ajfa-7687	212	16	with	with	ADP
ajfa-7687	212	17	npas	npas	PROPN
ajfa-7687	212	18	,	,	PUNCT
ajfa-7687	212	19	which	which	PRON
ajfa-7687	212	20	would	would	AUX
ajfa-7687	212	21	signify	signify	VERB
ajfa-7687	212	22	that	that	SCONJ
ajfa-7687	212	23	the	the	DET
ajfa-7687	212	24	bad	bad	ADJ
ajfa-7687	212	25	loans	loan	NOUN
ajfa-7687	212	26	problem	problem	NOUN
ajfa-7687	212	27	is	be	AUX
ajfa-7687	212	28	less	less	ADJ
ajfa-7687	212	29	when	when	SCONJ
ajfa-7687	212	30	the	the	DET
ajfa-7687	212	31	economy	economy	NOUN
ajfa-7687	212	32	at	at	ADP
ajfa-7687	212	33	large	large	ADJ
ajfa-7687	212	34	is	be	AUX
ajfa-7687	212	35	doing	do	VERB
ajfa-7687	212	36	well	well	ADV
ajfa-7687	212	37	and	and	CCONJ
ajfa-7687	212	38	the	the	DET
ajfa-7687	212	39	macro	macro	ADJ
ajfa-7687	212	40	-	-	ADJ
ajfa-7687	212	41	economic	economic	ADJ
ajfa-7687	212	42	environment	environment	NOUN
ajfa-7687	212	43	is	be	AUX
ajfa-7687	212	44	conducive	conducive	ADJ
ajfa-7687	212	45	for	for	ADP
ajfa-7687	212	46	business	business	NOUN
ajfa-7687	212	47	growth	growth	NOUN
ajfa-7687	212	48	.	.	PUNCT
ajfa-7687	213	1	asian	asian	ADJ
ajfa-7687	213	2	journal	journal	PROPN
ajfa-7687	213	3	of	of	ADP
ajfa-7687	213	4	finance	finance	PROPN
ajfa-7687	213	5	&	&	CCONJ
ajfa-7687	213	6	accounting	accounting	PROPN
ajfa-7687	213	7	issn	issn	PROPN
ajfa-7687	213	8	1946	1946	NUM
ajfa-7687	213	9	-	-	PUNCT
ajfa-7687	213	10	052x	052x	NOUN
ajfa-7687	213	11	2015	2015	NUM
ajfa-7687	213	12	,	,	PUNCT
ajfa-7687	213	13	vol	vol	NOUN
ajfa-7687	213	14	.	.	PROPN
ajfa-7687	213	15	7	7	NUM
ajfa-7687	213	16	,	,	PUNCT
ajfa-7687	213	17	no	no	INTJ
ajfa-7687	213	18	.	.	NOUN
ajfa-7687	213	19	1	1	NUM
ajfa-7687	213	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-7687	213	21	199	199	NUM
ajfa-7687	213	22	8.2	8.2	NUM
ajfa-7687	213	23	.	.	PUNCT
ajfa-7687	214	1	impact	impact	NOUN
ajfa-7687	214	2	of	of	ADP
ajfa-7687	214	3	ownership	ownership	NOUN
ajfa-7687	214	4	to	to	PART
ajfa-7687	214	5	estimate	estimate	VERB
ajfa-7687	214	6	the	the	DET
ajfa-7687	214	7	impact	impact	NOUN
ajfa-7687	214	8	of	of	ADP
ajfa-7687	214	9	ownership	ownership	NOUN
ajfa-7687	214	10	of	of	ADP
ajfa-7687	214	11	banks	bank	NOUN
ajfa-7687	214	12	on	on	ADP
ajfa-7687	214	13	npas	npas	NOUN
ajfa-7687	214	14	,	,	PUNCT
ajfa-7687	214	15	ownership	ownership	NOUN
ajfa-7687	214	16	dummies	dummy	NOUN
ajfa-7687	214	17	(	(	PUNCT
ajfa-7687	214	18	opbdum	opbdum	NOUN
ajfa-7687	214	19	for	for	ADP
ajfa-7687	214	20	old	old	ADJ
ajfa-7687	214	21	private	private	ADJ
ajfa-7687	214	22	banks	bank	NOUN
ajfa-7687	214	23	and	and	CCONJ
ajfa-7687	214	24	npbdum	npbdum	NOUN
ajfa-7687	214	25	for	for	ADP
ajfa-7687	214	26	new	new	ADJ
ajfa-7687	214	27	private	private	ADJ
ajfa-7687	214	28	banks	bank	NOUN
ajfa-7687	214	29	)	)	PUNCT
ajfa-7687	214	30	are	be	AUX
ajfa-7687	214	31	included	include	VERB
ajfa-7687	214	32	in	in	ADP
ajfa-7687	214	33	model	model	NOUN
ajfa-7687	214	34	1	1	NUM
ajfa-7687	214	35	and	and	CCONJ
ajfa-7687	214	36	2	2	NUM
ajfa-7687	214	37	.	.	PUNCT
ajfa-7687	215	1	the	the	DET
ajfa-7687	215	2	results	result	NOUN
ajfa-7687	215	3	indicate	indicate	VERB
ajfa-7687	215	4	that	that	SCONJ
ajfa-7687	215	5	new	new	ADJ
ajfa-7687	215	6	private	private	ADJ
ajfa-7687	215	7	banks	bank	NOUN
ajfa-7687	215	8	and	and	CCONJ
ajfa-7687	215	9	old	old	ADJ
ajfa-7687	215	10	private	private	ADJ
ajfa-7687	215	11	banks	bank	NOUN
ajfa-7687	215	12	are	be	AUX
ajfa-7687	215	13	different	different	ADJ
ajfa-7687	215	14	from	from	ADP
ajfa-7687	215	15	public	public	ADJ
ajfa-7687	215	16	sector	sector	NOUN
ajfa-7687	215	17	banks	bank	NOUN
ajfa-7687	215	18	in	in	ADP
ajfa-7687	215	19	management	management	NOUN
ajfa-7687	215	20	of	of	ADP
ajfa-7687	215	21	npas	npas	PROPN
ajfa-7687	215	22	.	.	PUNCT
ajfa-7687	216	1	management	management	NOUN
ajfa-7687	216	2	of	of	ADP
ajfa-7687	216	3	npas	npas	PROPN
ajfa-7687	216	4	is	be	AUX
ajfa-7687	216	5	better	well	ADJ
ajfa-7687	216	6	with	with	ADP
ajfa-7687	216	7	new	new	ADJ
ajfa-7687	216	8	private	private	ADJ
ajfa-7687	216	9	banks	bank	NOUN
ajfa-7687	216	10	than	than	ADP
ajfa-7687	216	11	old	old	ADJ
ajfa-7687	216	12	private	private	ADJ
ajfa-7687	216	13	banks	bank	NOUN
ajfa-7687	216	14	.	.	PUNCT
ajfa-7687	217	1	8.3	8.3	NUM
ajfa-7687	217	2	.	.	PUNCT
ajfa-7687	217	3	impact	impact	NOUN
ajfa-7687	217	4	of	of	ADP
ajfa-7687	217	5	the	the	DET
ajfa-7687	217	6	global	global	ADJ
ajfa-7687	217	7	financial	financial	ADJ
ajfa-7687	217	8	crisis	crisis	NOUN
ajfa-7687	217	9	to	to	PART
ajfa-7687	217	10	understand	understand	VERB
ajfa-7687	217	11	the	the	DET
ajfa-7687	217	12	impact	impact	NOUN
ajfa-7687	217	13	of	of	ADP
ajfa-7687	217	14	global	global	ADJ
ajfa-7687	217	15	financial	financial	ADJ
ajfa-7687	217	16	crisis	crisis	NOUN
ajfa-7687	217	17	a	a	DET
ajfa-7687	217	18	dummy	dummy	ADJ
ajfa-7687	217	19	variable	variable	NOUN
ajfa-7687	217	20	(	(	PUNCT
ajfa-7687	217	21	gfcdum	gfcdum	PROPN
ajfa-7687	217	22	)	)	PUNCT
ajfa-7687	217	23	is	be	AUX
ajfa-7687	217	24	introduced	introduce	VERB
ajfa-7687	217	25	in	in	ADP
ajfa-7687	217	26	model	model	NOUN
ajfa-7687	217	27	1	1	NUM
ajfa-7687	217	28	and	and	CCONJ
ajfa-7687	217	29	2	2	NUM
ajfa-7687	217	30	.	.	X
ajfa-7687	218	1	the	the	DET
ajfa-7687	218	2	global	global	ADJ
ajfa-7687	218	3	financial	financial	ADJ
ajfa-7687	218	4	crisis	crisis	NOUN
ajfa-7687	218	5	has	have	AUX
ajfa-7687	218	6	indeed	indeed	ADV
ajfa-7687	218	7	hampered	hamper	VERB
ajfa-7687	218	8	the	the	DET
ajfa-7687	218	9	credit	credit	NOUN
ajfa-7687	218	10	activity	activity	NOUN
ajfa-7687	218	11	in	in	ADP
ajfa-7687	218	12	indian	indian	ADJ
ajfa-7687	218	13	banking	banking	NOUN
ajfa-7687	218	14	sector	sector	NOUN
ajfa-7687	218	15	as	as	SCONJ
ajfa-7687	218	16	corporates	corporate	NOUN
ajfa-7687	218	17	cut	cut	VERB
ajfa-7687	218	18	down	down	ADP
ajfa-7687	218	19	their	their	PRON
ajfa-7687	218	20	expansion	expansion	NOUN
ajfa-7687	218	21	plans	plan	NOUN
ajfa-7687	218	22	due	due	ADJ
ajfa-7687	218	23	to	to	ADP
ajfa-7687	218	24	recessionary	recessionary	ADJ
ajfa-7687	218	25	conditions	condition	NOUN
ajfa-7687	218	26	.	.	PUNCT
ajfa-7687	219	1	it	it	PRON
ajfa-7687	219	2	was	be	AUX
ajfa-7687	219	3	expected	expect	VERB
ajfa-7687	219	4	that	that	SCONJ
ajfa-7687	219	5	incidence	incidence	NOUN
ajfa-7687	219	6	of	of	ADP
ajfa-7687	219	7	npas	npa	NOUN
ajfa-7687	219	8	would	would	AUX
ajfa-7687	219	9	have	have	AUX
ajfa-7687	219	10	increased	increase	VERB
ajfa-7687	219	11	after	after	ADP
ajfa-7687	219	12	global	global	ADJ
ajfa-7687	219	13	financial	financial	ADJ
ajfa-7687	219	14	crisis	crisis	NOUN
ajfa-7687	219	15	.	.	PUNCT
ajfa-7687	220	1	surprisingly	surprisingly	ADV
ajfa-7687	220	2	,	,	PUNCT
ajfa-7687	220	3	gfcdum	gfcdum	PROPN
ajfa-7687	220	4	is	be	AUX
ajfa-7687	220	5	significantly	significantly	ADV
ajfa-7687	220	6	negatively	negatively	ADV
ajfa-7687	220	7	related	relate	VERB
ajfa-7687	220	8	to	to	ADP
ajfa-7687	220	9	npas	npas	VERB
ajfa-7687	220	10	in	in	ADP
ajfa-7687	220	11	random	random	ADJ
ajfa-7687	220	12	effects	effect	NOUN
ajfa-7687	220	13	model	model	NOUN
ajfa-7687	220	14	and	and	CCONJ
ajfa-7687	220	15	negatively	negatively	ADV
ajfa-7687	220	16	related	relate	VERB
ajfa-7687	220	17	in	in	ADP
ajfa-7687	220	18	fixed	fix	VERB
ajfa-7687	220	19	effects	effect	NOUN
ajfa-7687	220	20	model	model	NOUN
ajfa-7687	220	21	.	.	PUNCT
ajfa-7687	221	1	the	the	DET
ajfa-7687	221	2	cautious	cautious	ADJ
ajfa-7687	221	3	credit	credit	NOUN
ajfa-7687	221	4	policy	policy	NOUN
ajfa-7687	221	5	of	of	ADP
ajfa-7687	221	6	the	the	DET
ajfa-7687	221	7	banks	bank	NOUN
ajfa-7687	221	8	and	and	CCONJ
ajfa-7687	221	9	meticulous	meticulous	ADJ
ajfa-7687	221	10	supervision	supervision	NOUN
ajfa-7687	221	11	of	of	ADP
ajfa-7687	221	12	rbi	rbi	NOUN
ajfa-7687	221	13	to	to	PART
ajfa-7687	221	14	cut	cut	VERB
ajfa-7687	221	15	down	down	ADP
ajfa-7687	221	16	the	the	DET
ajfa-7687	221	17	high	high	ADJ
ajfa-7687	221	18	levels	level	NOUN
ajfa-7687	221	19	of	of	ADP
ajfa-7687	221	20	npas	npas	NOUN
ajfa-7687	221	21	during	during	ADP
ajfa-7687	221	22	global	global	ADJ
ajfa-7687	221	23	financial	financial	ADJ
ajfa-7687	221	24	crisis	crisis	NOUN
ajfa-7687	221	25	could	could	AUX
ajfa-7687	221	26	be	be	AUX
ajfa-7687	221	27	the	the	DET
ajfa-7687	221	28	reasons	reason	NOUN
ajfa-7687	221	29	for	for	ADP
ajfa-7687	221	30	the	the	DET
ajfa-7687	221	31	significant	significant	ADJ
ajfa-7687	221	32	decline	decline	NOUN
ajfa-7687	221	33	in	in	ADP
ajfa-7687	221	34	npas	npas	NOUN
ajfa-7687	221	35	after	after	ADP
ajfa-7687	221	36	2008	2008	NUM
ajfa-7687	221	37	.	.	PUNCT
ajfa-7687	222	1	asian	asian	ADJ
ajfa-7687	222	2	journal	journal	PROPN
ajfa-7687	222	3	of	of	ADP
ajfa-7687	222	4	finance	finance	PROPN
ajfa-7687	222	5	&	&	CCONJ
ajfa-7687	222	6	accounting	accounting	PROPN
ajfa-7687	222	7	issn	issn	PROPN
ajfa-7687	222	8	1946	1946	NUM
ajfa-7687	222	9	-	-	PUNCT
ajfa-7687	222	10	052x	052x	NOUN
ajfa-7687	222	11	2015	2015	NUM
ajfa-7687	222	12	,	,	PUNCT
ajfa-7687	222	13	vol	vol	NOUN
ajfa-7687	222	14	.	.	PROPN
ajfa-7687	222	15	7	7	NUM
ajfa-7687	222	16	,	,	PUNCT
ajfa-7687	222	17	no	no	INTJ
ajfa-7687	222	18	.	.	NOUN
ajfa-7687	222	19	1	1	NUM
ajfa-7687	222	20	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	222	21	200	200	NUM
ajfa-7687	222	22	table	table	NOUN
ajfa-7687	222	23	8	8	NUM
ajfa-7687	222	24	.	.	PUNCT
ajfa-7687	223	1	empirical	empirical	ADJ
ajfa-7687	223	2	results	result	NOUN
ajfa-7687	223	3	of	of	ADP
ajfa-7687	223	4	impact	impact	NOUN
ajfa-7687	223	5	of	of	ADP
ajfa-7687	223	6	macro	macro	ADJ
ajfa-7687	223	7	economic	economic	ADJ
ajfa-7687	223	8	and	and	CCONJ
ajfa-7687	223	9	banking	banking	NOUN
ajfa-7687	223	10	variables	variable	NOUN
ajfa-7687	223	11	(	(	PUNCT
ajfa-7687	223	12	2001	2001	NUM
ajfa-7687	223	13	-	-	SYM
ajfa-7687	223	14	2012	2012	NUM
ajfa-7687	223	15	)	)	PUNCT
ajfa-7687	223	16	variables	variable	NOUN
ajfa-7687	223	17	model	model	VERB
ajfa-7687	223	18	1	1	NUM
ajfa-7687	223	19	(	(	PUNCT
ajfa-7687	223	20	fe	fe	NOUN
ajfa-7687	223	21	)	)	PUNCT
ajfa-7687	223	22	model	model	NOUN
ajfa-7687	223	23	2(re	2(re	PROPN
ajfa-7687	223	24	)	)	PUNCT
ajfa-7687	224	1	b	b	PROPN
ajfa-7687	224	2	t.s	t.s	PROPN
ajfa-7687	224	3	b	b	PROPN
ajfa-7687	224	4	t.s	t.s	PROPN
ajfa-7687	224	5	(	(	PUNCT
ajfa-7687	224	6	constant	constant	ADJ
ajfa-7687	224	7	)	)	PUNCT
ajfa-7687	224	8	30.29569	30.29569	NUM
ajfa-7687	224	9	8.39	8.39	NUM
ajfa-7687	224	10	17.72678	17.72678	NUM
ajfa-7687	224	11	7.67	7.67	NUM
ajfa-7687	224	12	priadv	priadv	NOUN
ajfa-7687	224	13	-.0296805	-.0296805	PUNCT
ajfa-7687	224	14	-1.49	-1.49	INTJ
ajfa-7687	224	15	-.0492046	-.0492046	NOUN
ajfa-7687	224	16	-2.97	-2.97	PROPN
ajfa-7687	224	17	*	*	ADJ
ajfa-7687	224	18	roa	roa	PROPN
ajfa-7687	224	19	-.7456199	-.7456199	PROPN
ajfa-7687	224	20	-4.01	-4.01	PROPN
ajfa-7687	224	21	*	*	PUNCT
ajfa-7687	224	22	-.7529061	-.7529061	PUNCT
ajfa-7687	224	23	-4.25	-4.25	PROPN
ajfa-7687	224	24	*	*	NOUN
ajfa-7687	224	25	car	car	NOUN
ajfa-7687	224	26	-.0805	-.0805	NOUN
ajfa-7687	224	27	-3.10	-3.10	NOUN
ajfa-7687	224	28	*	*	NOUN
ajfa-7687	224	29	-.0807964	-.0807964	NOUN
ajfa-7687	224	30	-3.40	-3.40	NOUN
ajfa-7687	224	31	*	*	X
ajfa-7687	224	32	gradv	gradv	NOUN
ajfa-7687	224	33	-.0033494	-.0033494	PUNCT
ajfa-7687	224	34	-1.39	-1.39	NUM
ajfa-7687	224	35	-.0053859	-.0053859	PUNCT
ajfa-7687	224	36	-2.28	-2.28	NOUN
ajfa-7687	224	37	*	*	NOUN
ajfa-7687	224	38	size	size	NOUN
ajfa-7687	224	39	-1.449958	-1.449958	X
ajfa-7687	224	40	-5.95	-5.95	PROPN
ajfa-7687	224	41	*	*	PUNCT
ajfa-7687	224	42	-.5274061	-.5274061	PUNCT
ajfa-7687	224	43	-3.91	-3.91	NOUN
ajfa-7687	224	44	*	*	PUNCT
ajfa-7687	224	45	ocr	ocr	PROPN
ajfa-7687	224	46	.4623289	.4623289	NOUN
ajfa-7687	225	1	1.83	1.83	NUM
ajfa-7687	225	2	*	*	PUNCT
ajfa-7687	225	3	*	*	PUNCT
ajfa-7687	225	4	.5871993	.5871993	PROPN
ajfa-7687	226	1	2.63	2.63	NUM
ajfa-7687	226	2	*	*	NOUN
ajfa-7687	226	3	ggnp	ggnp	NOUN
ajfa-7687	226	4	-.544519	-.544519	PUNCT
ajfa-7687	226	5	-11.19	-11.19	PROPN
ajfa-7687	226	6	*	*	PUNCT
ajfa-7687	226	7	-.5714354	-.5714354	PUNCT
ajfa-7687	226	8	-11.97	-11.97	PROPN
ajfa-7687	226	9	*	*	ADJ
ajfa-7687	226	10	gfcdum	gfcdum	PROPN
ajfa-7687	226	11	-.2657603	-.2657603	PROPN
ajfa-7687	226	12	-0.94	-0.94	NUM
ajfa-7687	226	13	-1.136536	-1.136536	NOUN
ajfa-7687	226	14	-5.53	-5.53	NOUN
ajfa-7687	226	15	*	*	PUNCT
ajfa-7687	226	16	opbdum	opbdum	PROPN
ajfa-7687	226	17	0	0	PROPN
ajfa-7687	226	18	(	(	PUNCT
ajfa-7687	226	19	omitted	omit	VERB
ajfa-7687	226	20	)	)	PUNCT
ajfa-7687	226	21	-.5565324	-.5565324	PUNCT
ajfa-7687	226	22	-1.35	-1.35	NUM
ajfa-7687	226	23	npbdum	npbdum	NOUN
ajfa-7687	226	24	0	0	NUM
ajfa-7687	226	25	(	(	PUNCT
ajfa-7687	226	26	omitted	omit	VERB
ajfa-7687	226	27	)	)	PUNCT
ajfa-7687	226	28	-.7113089	-.7113089	PUNCT
ajfa-7687	226	29	-1.51	-1.51	PRON
ajfa-7687	226	30	r2	r2	PROPN
ajfa-7687	226	31	0.3544	0.3544	NUM
ajfa-7687	226	32	0.5486	0.5486	NUM
ajfa-7687	226	33	between	between	ADP
ajfa-7687	226	34	=	=	PUNCT
ajfa-7687	226	35	0.1546	0.1546	NUM
ajfa-7687	226	36	0.3627	0.3627	NUM
ajfa-7687	226	37	within=	within=	NUM
ajfa-7687	226	38	0.6055	0.6055	NUM
ajfa-7687	226	39	0.5905	0.5905	NUM
ajfa-7687	226	40	n	n	CCONJ
ajfa-7687	226	41	451	451	NUM
ajfa-7687	226	42	451	451	NUM
ajfa-7687	226	43	f(10,400	f(10,400	NOUN
ajfa-7687	226	44	)	)	PUNCT
ajfa-7687	226	45	77.11	77.11	NUM
ajfa-7687	226	46	*	*	PUNCT
ajfa-7687	226	47	prob	prob	INTJ
ajfa-7687	226	48	>	>	X
ajfa-7687	226	49	f	f	PROPN
ajfa-7687	226	50	0.0000	0.0000	NUM
ajfa-7687	226	51	number	number	NOUN
ajfa-7687	226	52	of	of	ADP
ajfa-7687	226	53	groups	group	NOUN
ajfa-7687	226	54	41	41	NUM
ajfa-7687	226	55	41	41	NUM
ajfa-7687	226	56	wald	wald	X
ajfa-7687	226	57	chi2(10	chi2(10	PROPN
ajfa-7687	226	58	)	)	PUNCT
ajfa-7687	227	1	596.70	596.70	NUM
ajfa-7687	227	2	*	*	SYM
ajfa-7687	227	3	prob	prob	INTJ
ajfa-7687	227	4	>	>	X
ajfa-7687	227	5	chi2	chi2	PROPN
ajfa-7687	227	6	0.0000	0.0000	NUM
ajfa-7687	227	7	@	@	ADP
ajfa-7687	227	8	hausman	hausman	PROPN
ajfa-7687	227	9	test	test	NOUN
ajfa-7687	227	10	chi2(8	chi2(8	PROPN
ajfa-7687	227	11	)	)	PUNCT
ajfa-7687	227	12	=	=	PUNCT
ajfa-7687	228	1	28.42	28.42	NUM
ajfa-7687	228	2	*	*	PUNCT
ajfa-7687	228	3	prob	prob	PROPN
ajfa-7687	228	4	>	>	X
ajfa-7687	228	5	chi2	chi2	PROPN
ajfa-7687	228	6	=	=	NOUN
ajfa-7687	228	7	0.0004	0.0004	NUM
ajfa-7687	228	8	mean	mean	NOUN
ajfa-7687	228	9	vif	vif	X
ajfa-7687	228	10	1.25^	1.25^	PROPN
ajfa-7687	228	11	note	note	VERB
ajfa-7687	228	12	:	:	PUNCT
ajfa-7687	228	13	*	*	PUNCT
ajfa-7687	228	14	significant	significant	ADJ
ajfa-7687	228	15	at	at	ADP
ajfa-7687	228	16	1	1	NUM
ajfa-7687	228	17	%	%	NOUN
ajfa-7687	228	18	,	,	PUNCT
ajfa-7687	228	19	*	*	PUNCT
ajfa-7687	228	20	*	*	PUNCT
ajfa-7687	228	21	significant	significant	ADJ
ajfa-7687	228	22	at	at	ADP
ajfa-7687	228	23	10	10	NUM
ajfa-7687	228	24	%	%	NOUN
ajfa-7687	228	25	^	^	PUNCT
ajfa-7687	228	26	vif	vif	NOUN
ajfa-7687	228	27	less	less	ADJ
ajfa-7687	228	28	than	than	ADP
ajfa-7687	228	29	10	10	NUM
ajfa-7687	228	30	indicates	indicate	VERB
ajfa-7687	228	31	that	that	SCONJ
ajfa-7687	228	32	there	there	PRON
ajfa-7687	228	33	is	be	VERB
ajfa-7687	228	34	no	no	DET
ajfa-7687	228	35	multi	multi	ADJ
ajfa-7687	228	36	collinearity	collinearity	NOUN
ajfa-7687	228	37	problem	problem	NOUN
ajfa-7687	228	38	among	among	ADP
ajfa-7687	228	39	explanatory	explanatory	ADJ
ajfa-7687	228	40	variables	variable	NOUN
ajfa-7687	228	41	#	#	NOUN
ajfa-7687	228	42	f	f	X
ajfa-7687	228	43	-	-	PUNCT
ajfa-7687	228	44	test	test	NOUN
ajfa-7687	228	45	is	be	AUX
ajfa-7687	228	46	statistically	statistically	ADV
ajfa-7687	228	47	significant	significant	ADJ
ajfa-7687	228	48	,	,	PUNCT
ajfa-7687	228	49	which	which	PRON
ajfa-7687	228	50	means	mean	VERB
ajfa-7687	228	51	that	that	SCONJ
ajfa-7687	228	52	the	the	DET
ajfa-7687	228	53	fe	fe	PROPN
ajfa-7687	228	54	model	model	NOUN
ajfa-7687	228	55	is	be	AUX
ajfa-7687	228	56	statistically	statistically	ADV
ajfa-7687	228	57	significant	significant	ADJ
ajfa-7687	228	58	$	$	SYM
ajfa-7687	228	59	wald	wald	NOUN
ajfa-7687	228	60	test	test	NOUN
ajfa-7687	228	61	is	be	AUX
ajfa-7687	228	62	statistically	statistically	ADV
ajfa-7687	228	63	significant	significant	ADJ
ajfa-7687	228	64	,	,	PUNCT
ajfa-7687	228	65	which	which	PRON
ajfa-7687	228	66	means	mean	VERB
ajfa-7687	228	67	that	that	SCONJ
ajfa-7687	228	68	the	the	DET
ajfa-7687	228	69	re	re	PROPN
ajfa-7687	228	70	model	model	NOUN
ajfa-7687	228	71	is	be	AUX
ajfa-7687	228	72	statistically	statistically	ADV
ajfa-7687	228	73	significant	significant	ADJ
ajfa-7687	228	74	@	@	ADP
ajfa-7687	228	75	hausman	hausman	PROPN
ajfa-7687	228	76	test	test	NOUN
ajfa-7687	228	77	is	be	AUX
ajfa-7687	228	78	statistically	statistically	ADV
ajfa-7687	228	79	significant	significant	ADJ
ajfa-7687	228	80	and	and	CCONJ
ajfa-7687	228	81	rejects	reject	VERB
ajfa-7687	228	82	the	the	DET
ajfa-7687	228	83	null	null	ADJ
ajfa-7687	228	84	hypothesis	hypothesis	NOUN
ajfa-7687	228	85	of	of	ADP
ajfa-7687	228	86	“	"	PUNCT
ajfa-7687	228	87	ho	ho	ADJ
ajfa-7687	228	88	:	:	PUNCT
ajfa-7687	228	89	difference	difference	NOUN
ajfa-7687	228	90	in	in	ADP
ajfa-7687	228	91	coefficients	coefficient	NOUN
ajfa-7687	228	92	not	not	PART
ajfa-7687	228	93	systematic	systematic	ADJ
ajfa-7687	228	94	”	"	PUNCT
ajfa-7687	228	95	source	source	NOUN
ajfa-7687	228	96	:	:	PUNCT
ajfa-7687	228	97	authors	author	NOUN
ajfa-7687	228	98	asian	asian	ADJ
ajfa-7687	228	99	journal	journal	PROPN
ajfa-7687	228	100	of	of	ADP
ajfa-7687	228	101	finance	finance	PROPN
ajfa-7687	228	102	&	&	CCONJ
ajfa-7687	228	103	accounting	accounting	PROPN
ajfa-7687	228	104	issn	issn	PROPN
ajfa-7687	228	105	1946	1946	NUM
ajfa-7687	228	106	-	-	PUNCT
ajfa-7687	228	107	052x	052x	NOUN
ajfa-7687	228	108	2015	2015	NUM
ajfa-7687	228	109	,	,	PUNCT
ajfa-7687	228	110	vol	vol	NOUN
ajfa-7687	228	111	.	.	PROPN
ajfa-7687	229	1	7	7	NUM
ajfa-7687	229	2	,	,	PUNCT
ajfa-7687	229	3	no	no	INTJ
ajfa-7687	229	4	.	.	NOUN
ajfa-7687	229	5	1	1	NUM
ajfa-7687	229	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	229	7	201	201	NUM
ajfa-7687	229	8	table	table	NOUN
ajfa-7687	229	9	8a	8a	NUM
ajfa-7687	229	10	.	.	PUNCT
ajfa-7687	229	11	expected	expect	VERB
ajfa-7687	229	12	and	and	CCONJ
ajfa-7687	229	13	observed	observed	ADJ
ajfa-7687	229	14	signs	sign	NOUN
ajfa-7687	229	15	of	of	ADP
ajfa-7687	229	16	independent	independent	ADJ
ajfa-7687	229	17	variables	variable	NOUN
ajfa-7687	229	18	with	with	ADP
ajfa-7687	229	19	dependent	dependent	ADJ
ajfa-7687	229	20	variable	variable	ADJ
ajfa-7687	229	21	variables	variable	NOUN
ajfa-7687	229	22	nnpa	nnpa	VERB
ajfa-7687	229	23	statistically	statistically	ADV
ajfa-7687	229	24	significant	significant	ADJ
ajfa-7687	229	25	estimated	estimate	VERB
ajfa-7687	229	26	signs	sign	NOUN
ajfa-7687	229	27	fixed	fix	VERB
ajfa-7687	229	28	effects	effect	NOUN
ajfa-7687	229	29	random	random	ADJ
ajfa-7687	229	30	effects	effect	NOUN
ajfa-7687	229	31	priadv	priadv	ADJ
ajfa-7687	229	32	+	+	CCONJ
ajfa-7687	229	33	roa	roa	PROPN
ajfa-7687	229	34	car	car	NOUN
ajfa-7687	229	35	gradv	gradv	NOUN
ajfa-7687	229	36	size	size	NOUN
ajfa-7687	229	37	ocr	ocr	PROPN
ajfa-7687	229	38	+	+	CCONJ
ajfa-7687	229	39	+	+	CCONJ
ajfa-7687	229	40	+	+	CCONJ
ajfa-7687	229	41	ggnp	ggnp	NOUN
ajfa-7687	229	42	gfcdum	gfcdum	NOUN
ajfa-7687	229	43	+	+	CCONJ
ajfa-7687	229	44	opbdum	opbdum	PROPN
ajfa-7687	229	45	npbdum	npbdum	PROPN
ajfa-7687	229	46	source	source	NOUN
ajfa-7687	229	47	:	:	PUNCT
ajfa-7687	229	48	authors	author	NOUN
ajfa-7687	229	49	9	9	NUM
ajfa-7687	229	50	.	.	NOUN
ajfa-7687	229	51	conclusion	conclusion	NOUN
ajfa-7687	229	52	and	and	CCONJ
ajfa-7687	229	53	policy	policy	NOUN
ajfa-7687	229	54	implications	implication	NOUN
ajfa-7687	229	55	this	this	DET
ajfa-7687	229	56	paper	paper	NOUN
ajfa-7687	229	57	reviews	review	VERB
ajfa-7687	229	58	the	the	DET
ajfa-7687	229	59	problem	problem	NOUN
ajfa-7687	229	60	of	of	ADP
ajfa-7687	229	61	npas	npas	NOUN
ajfa-7687	229	62	in	in	ADP
ajfa-7687	229	63	indian	indian	ADJ
ajfa-7687	229	64	banking	banking	NOUN
ajfa-7687	229	65	.	.	PUNCT
ajfa-7687	230	1	the	the	DET
ajfa-7687	230	2	magnitude	magnitude	NOUN
ajfa-7687	230	3	of	of	ADP
ajfa-7687	230	4	the	the	DET
ajfa-7687	230	5	problem	problem	NOUN
ajfa-7687	230	6	,	,	PUNCT
ajfa-7687	230	7	the	the	DET
ajfa-7687	230	8	associated	associated	ADJ
ajfa-7687	230	9	prudential	prudential	PROPN
ajfa-7687	230	10	norms	norm	NOUN
ajfa-7687	230	11	,	,	PUNCT
ajfa-7687	230	12	and	and	CCONJ
ajfa-7687	230	13	different	different	ADJ
ajfa-7687	230	14	policy	policy	NOUN
ajfa-7687	230	15	responses	response	NOUN
ajfa-7687	230	16	undertaken	undertake	VERB
ajfa-7687	230	17	to	to	PART
ajfa-7687	230	18	address	address	VERB
ajfa-7687	230	19	it	it	PRON
ajfa-7687	230	20	were	be	AUX
ajfa-7687	230	21	discussed	discuss	VERB
ajfa-7687	230	22	.	.	PUNCT
ajfa-7687	231	1	an	an	DET
ajfa-7687	231	2	empirical	empirical	ADJ
ajfa-7687	231	3	analysis	analysis	NOUN
ajfa-7687	231	4	was	be	AUX
ajfa-7687	231	5	undertaken	undertake	VERB
ajfa-7687	231	6	to	to	PART
ajfa-7687	231	7	identify	identify	VERB
ajfa-7687	231	8	the	the	DET
ajfa-7687	231	9	determinants	determinant	NOUN
ajfa-7687	231	10	of	of	ADP
ajfa-7687	231	11	npas	npas	NOUN
ajfa-7687	231	12	in	in	ADP
ajfa-7687	231	13	indian	indian	ADJ
ajfa-7687	231	14	banking	banking	NOUN
ajfa-7687	231	15	.	.	PUNCT
ajfa-7687	232	1	finally	finally	ADV
ajfa-7687	232	2	,	,	PUNCT
ajfa-7687	232	3	the	the	DET
ajfa-7687	232	4	impact	impact	NOUN
ajfa-7687	232	5	of	of	ADP
ajfa-7687	232	6	ownership	ownership	NOUN
ajfa-7687	232	7	and	and	CCONJ
ajfa-7687	232	8	global	global	ADJ
ajfa-7687	232	9	financial	financial	ADJ
ajfa-7687	232	10	crisis	crisis	NOUN
ajfa-7687	232	11	on	on	ADP
ajfa-7687	232	12	npas	npas	PROPN
ajfa-7687	232	13	were	be	AUX
ajfa-7687	232	14	investigated	investigate	VERB
ajfa-7687	232	15	.	.	PUNCT
ajfa-7687	233	1	for	for	ADP
ajfa-7687	233	2	the	the	DET
ajfa-7687	233	3	purpose	purpose	NOUN
ajfa-7687	233	4	of	of	ADP
ajfa-7687	233	5	the	the	DET
ajfa-7687	233	6	empirical	empirical	ADJ
ajfa-7687	233	7	analysis	analysis	NOUN
ajfa-7687	233	8	panel	panel	NOUN
ajfa-7687	233	9	data	datum	NOUN
ajfa-7687	233	10	of	of	ADP
ajfa-7687	233	11	41	41	NUM
ajfa-7687	233	12	indian	indian	ADJ
ajfa-7687	233	13	banks	bank	NOUN
ajfa-7687	233	14	(	(	PUNCT
ajfa-7687	233	15	which	which	PRON
ajfa-7687	233	16	covers	cover	VERB
ajfa-7687	233	17	88	88	NUM
ajfa-7687	233	18	%	%	NOUN
ajfa-7687	233	19	of	of	ADP
ajfa-7687	233	20	indian	indian	ADJ
ajfa-7687	233	21	banking	banking	NOUN
ajfa-7687	233	22	assets	asset	NOUN
ajfa-7687	233	23	)	)	PUNCT
ajfa-7687	233	24	for	for	ADP
ajfa-7687	233	25	twelve	twelve	NUM
ajfa-7687	233	26	years	year	NOUN
ajfa-7687	233	27	from	from	ADP
ajfa-7687	233	28	2001	2001	NUM
ajfa-7687	233	29	to	to	ADP
ajfa-7687	233	30	2012	2012	NUM
ajfa-7687	233	31	was	be	AUX
ajfa-7687	233	32	considered	consider	VERB
ajfa-7687	233	33	.	.	PUNCT
ajfa-7687	234	1	first	first	ADV
ajfa-7687	234	2	,	,	PUNCT
ajfa-7687	234	3	the	the	DET
ajfa-7687	234	4	impact	impact	NOUN
ajfa-7687	234	5	of	of	ADP
ajfa-7687	234	6	priority	priority	NOUN
ajfa-7687	234	7	sector	sector	NOUN
ajfa-7687	234	8	lending	lending	NOUN
ajfa-7687	234	9	on	on	ADP
ajfa-7687	234	10	npa	npa	NOUN
ajfa-7687	234	11	levels	level	NOUN
ajfa-7687	234	12	is	be	AUX
ajfa-7687	234	13	negative	negative	ADJ
ajfa-7687	234	14	and	and	CCONJ
ajfa-7687	234	15	significant	significant	ADJ
ajfa-7687	234	16	,	,	PUNCT
ajfa-7687	234	17	indicating	indicate	VERB
ajfa-7687	234	18	that	that	SCONJ
ajfa-7687	234	19	npa	npa	PROPN
ajfa-7687	234	20	problem	problem	NOUN
ajfa-7687	234	21	in	in	ADP
ajfa-7687	234	22	india	india	PROPN
ajfa-7687	234	23	is	be	AUX
ajfa-7687	234	24	more	more	ADV
ajfa-7687	234	25	due	due	ADJ
ajfa-7687	234	26	to	to	ADP
ajfa-7687	234	27	lending	lend	VERB
ajfa-7687	234	28	to	to	ADP
ajfa-7687	234	29	non	non	PRON
ajfa-7687	234	30	priority	priority	NOUN
ajfa-7687	234	31	sectors	sector	NOUN
ajfa-7687	234	32	and	and	CCONJ
ajfa-7687	234	33	sensitive	sensitive	ADJ
ajfa-7687	234	34	sectors	sector	NOUN
ajfa-7687	234	35	such	such	ADJ
ajfa-7687	234	36	as	as	ADP
ajfa-7687	234	37	personal	personal	ADJ
ajfa-7687	234	38	loans	loan	NOUN
ajfa-7687	234	39	and	and	CCONJ
ajfa-7687	234	40	real	real	ADJ
ajfa-7687	234	41	estate	estate	NOUN
ajfa-7687	234	42	loans	loan	NOUN
ajfa-7687	234	43	.	.	PUNCT
ajfa-7687	235	1	second	second	ADJ
ajfa-7687	235	2	,	,	PUNCT
ajfa-7687	235	3	larger	large	ADJ
ajfa-7687	235	4	banks	bank	NOUN
ajfa-7687	235	5	exhibit	exhibit	VERB
ajfa-7687	235	6	better	well	ADJ
ajfa-7687	235	7	credit	credit	NOUN
ajfa-7687	235	8	risk	risk	NOUN
ajfa-7687	235	9	management	management	NOUN
ajfa-7687	235	10	demonstrated	demonstrate	VERB
ajfa-7687	235	11	by	by	ADP
ajfa-7687	235	12	lower	low	ADJ
ajfa-7687	235	13	npas	npa	NOUN
ajfa-7687	235	14	as	as	ADP
ajfa-7687	235	15	evident	evident	ADJ
ajfa-7687	235	16	from	from	ADP
ajfa-7687	235	17	the	the	DET
ajfa-7687	235	18	coefficient	coefficient	NOUN
ajfa-7687	235	19	of	of	ADP
ajfa-7687	235	20	size	size	NOUN
ajfa-7687	235	21	(	(	PUNCT
ajfa-7687	235	22	total	total	ADJ
ajfa-7687	235	23	assets	asset	NOUN
ajfa-7687	235	24	)	)	PUNCT
ajfa-7687	235	25	being	be	AUX
ajfa-7687	235	26	negative	negative	ADJ
ajfa-7687	235	27	and	and	CCONJ
ajfa-7687	235	28	significant	significant	ADJ
ajfa-7687	235	29	.	.	PUNCT
ajfa-7687	236	1	third	third	ADJ
ajfa-7687	236	2	,	,	PUNCT
ajfa-7687	236	3	adequately	adequately	ADV
ajfa-7687	236	4	capitalized	capitalize	VERB
ajfa-7687	236	5	bank	bank	NOUN
ajfa-7687	236	6	also	also	ADV
ajfa-7687	236	7	appear	appear	VERB
ajfa-7687	236	8	to	to	PART
ajfa-7687	236	9	have	have	VERB
ajfa-7687	236	10	lower	low	ADJ
ajfa-7687	236	11	npas	npa	NOUN
ajfa-7687	236	12	as	as	ADP
ajfa-7687	236	13	evident	evident	ADJ
ajfa-7687	236	14	from	from	ADP
ajfa-7687	236	15	the	the	DET
ajfa-7687	236	16	coefficient	coefficient	NOUN
ajfa-7687	236	17	of	of	ADP
ajfa-7687	236	18	car	car	NOUN
ajfa-7687	236	19	being	be	AUX
ajfa-7687	236	20	negative	negative	ADJ
ajfa-7687	236	21	and	and	CCONJ
ajfa-7687	236	22	significant	significant	ADJ
ajfa-7687	236	23	.	.	PUNCT
ajfa-7687	237	1	fourth	fourth	ADJ
ajfa-7687	237	2	,	,	PUNCT
ajfa-7687	237	3	the	the	DET
ajfa-7687	237	4	impact	impact	NOUN
ajfa-7687	237	5	of	of	ADP
ajfa-7687	237	6	growth	growth	NOUN
ajfa-7687	237	7	in	in	ADP
ajfa-7687	237	8	gross	gross	ADJ
ajfa-7687	237	9	national	national	ADJ
ajfa-7687	237	10	product	product	NOUN
ajfa-7687	237	11	(	(	PUNCT
ajfa-7687	237	12	grgnp	grgnp	NOUN
ajfa-7687	237	13	)	)	PUNCT
ajfa-7687	237	14	on	on	ADP
ajfa-7687	237	15	npa	npa	NOUN
ajfa-7687	237	16	levels	level	NOUN
ajfa-7687	237	17	is	be	AUX
ajfa-7687	237	18	negative	negative	ADJ
ajfa-7687	237	19	and	and	CCONJ
ajfa-7687	237	20	significant	significant	ADJ
ajfa-7687	237	21	indicating	indicate	VERB
ajfa-7687	237	22	that	that	SCONJ
ajfa-7687	237	23	favorable	favorable	ADJ
ajfa-7687	237	24	macroeconomic	macroeconomic	ADJ
ajfa-7687	237	25	conditions	condition	NOUN
ajfa-7687	237	26	help	help	VERB
ajfa-7687	237	27	to	to	PART
ajfa-7687	237	28	lower	lower	VERB
ajfa-7687	237	29	npa	npa	NOUN
ajfa-7687	237	30	levels	level	NOUN
ajfa-7687	237	31	.	.	PUNCT
ajfa-7687	238	1	fifth	fifth	ADJ
ajfa-7687	238	2	,	,	PUNCT
ajfa-7687	238	3	nature	nature	NOUN
ajfa-7687	238	4	of	of	ADP
ajfa-7687	238	5	ownership	ownership	NOUN
ajfa-7687	238	6	has	have	VERB
ajfa-7687	238	7	a	a	DET
ajfa-7687	238	8	significant	significant	ADJ
ajfa-7687	238	9	impact	impact	NOUN
ajfa-7687	238	10	on	on	ADP
ajfa-7687	238	11	npa	npa	NOUN
ajfa-7687	238	12	levels	level	NOUN
ajfa-7687	238	13	.	.	PUNCT
ajfa-7687	239	1	specifically	specifically	ADV
ajfa-7687	239	2	,	,	PUNCT
ajfa-7687	239	3	new	new	ADJ
ajfa-7687	239	4	private	private	ADJ
ajfa-7687	239	5	banks	bank	NOUN
ajfa-7687	239	6	have	have	VERB
ajfa-7687	239	7	the	the	DET
ajfa-7687	239	8	lowest	low	ADJ
ajfa-7687	239	9	npa	npa	NOUN
ajfa-7687	239	10	levels	level	NOUN
ajfa-7687	239	11	,	,	PUNCT
ajfa-7687	239	12	followed	follow	VERB
ajfa-7687	239	13	by	by	ADP
ajfa-7687	239	14	old	old	ADJ
ajfa-7687	239	15	private	private	ADJ
ajfa-7687	239	16	banks	bank	NOUN
ajfa-7687	239	17	,	,	PUNCT
ajfa-7687	239	18	and	and	CCONJ
ajfa-7687	239	19	public	public	ADJ
ajfa-7687	239	20	sector	sector	NOUN
ajfa-7687	239	21	banks	bank	NOUN
ajfa-7687	239	22	in	in	ADP
ajfa-7687	239	23	this	this	DET
ajfa-7687	239	24	order	order	NOUN
ajfa-7687	239	25	.	.	PUNCT
ajfa-7687	240	1	finally	finally	ADV
ajfa-7687	240	2	,	,	PUNCT
ajfa-7687	240	3	policy	policy	NOUN
ajfa-7687	240	4	measures	measure	NOUN
ajfa-7687	240	5	initiated	initiate	VERB
ajfa-7687	240	6	to	to	PART
ajfa-7687	240	7	tackle	tackle	VERB
ajfa-7687	240	8	global	global	ADJ
ajfa-7687	240	9	financial	financial	ADJ
ajfa-7687	240	10	crisis	crisis	NOUN
ajfa-7687	240	11	have	have	AUX
ajfa-7687	240	12	been	be	AUX
ajfa-7687	240	13	largely	largely	ADV
ajfa-7687	240	14	successful	successful	ADJ
ajfa-7687	240	15	in	in	ADP
ajfa-7687	240	16	achieving	achieve	VERB
ajfa-7687	240	17	their	their	PRON
ajfa-7687	240	18	objective	objective	NOUN
ajfa-7687	240	19	of	of	ADP
ajfa-7687	240	20	curtailing	curtail	VERB
ajfa-7687	240	21	high	high	ADJ
ajfa-7687	240	22	npa	npa	NOUN
ajfa-7687	240	23	levels	level	NOUN
ajfa-7687	240	24	.	.	PUNCT
ajfa-7687	241	1	to	to	PART
ajfa-7687	241	2	tackle	tackle	VERB
ajfa-7687	241	3	the	the	DET
ajfa-7687	241	4	problem	problem	NOUN
ajfa-7687	241	5	of	of	ADP
ajfa-7687	241	6	npas	npas	NOUN
ajfa-7687	241	7	in	in	ADP
ajfa-7687	241	8	indian	indian	ADJ
ajfa-7687	241	9	banking	banking	NOUN
ajfa-7687	241	10	system	system	NOUN
ajfa-7687	241	11	the	the	DET
ajfa-7687	241	12	rbi	rbi	NOUN
ajfa-7687	241	13	should	should	AUX
ajfa-7687	241	14	focus	focus	VERB
ajfa-7687	241	15	on	on	ADP
ajfa-7687	241	16	smaller	small	ADJ
ajfa-7687	241	17	banks	bank	NOUN
ajfa-7687	241	18	and	and	CCONJ
ajfa-7687	241	19	less	less	ADV
ajfa-7687	241	20	profitable	profitable	ADJ
ajfa-7687	241	21	banks	bank	NOUN
ajfa-7687	241	22	that	that	PRON
ajfa-7687	241	23	seem	seem	VERB
ajfa-7687	241	24	to	to	PART
ajfa-7687	241	25	exhibit	exhibit	VERB
ajfa-7687	241	26	higher	high	ADJ
ajfa-7687	241	27	npas	npa	NOUN
ajfa-7687	241	28	.	.	PUNCT
ajfa-7687	242	1	adequate	adequate	ADJ
ajfa-7687	242	2	attention	attention	NOUN
ajfa-7687	242	3	should	should	AUX
ajfa-7687	242	4	also	also	ADV
ajfa-7687	242	5	be	be	AUX
ajfa-7687	242	6	paid	pay	VERB
ajfa-7687	242	7	to	to	ADP
ajfa-7687	242	8	banks	bank	NOUN
ajfa-7687	242	9	with	with	ADP
ajfa-7687	242	10	low	low	ADJ
ajfa-7687	242	11	operating	operating	NOUN
ajfa-7687	242	12	efficiency	efficiency	NOUN
ajfa-7687	242	13	and	and	CCONJ
ajfa-7687	242	14	low	low	ADJ
ajfa-7687	242	15	capitalization	capitalization	NOUN
ajfa-7687	242	16	as	as	ADP
ajfa-7687	242	17	also	also	ADV
ajfa-7687	242	18	to	to	ADP
ajfa-7687	242	19	macroeconomic	macroeconomic	ADJ
ajfa-7687	242	20	cycles	cycle	NOUN
ajfa-7687	242	21	that	that	PRON
ajfa-7687	242	22	appear	appear	VERB
ajfa-7687	242	23	to	to	PART
ajfa-7687	242	24	be	be	AUX
ajfa-7687	242	25	important	important	ADJ
ajfa-7687	242	26	in	in	ADP
ajfa-7687	242	27	determining	determine	VERB
ajfa-7687	242	28	npa	npa	NOUN
ajfa-7687	242	29	levels	level	NOUN
ajfa-7687	242	30	.	.	PUNCT
ajfa-7687	243	1	finally	finally	ADV
ajfa-7687	243	2	,	,	PUNCT
ajfa-7687	243	3	after	after	ADP
ajfa-7687	243	4	accounting	account	VERB
ajfa-7687	243	5	for	for	ADP
ajfa-7687	243	6	all	all	DET
ajfa-7687	243	7	the	the	DET
ajfa-7687	243	8	above	above	ADJ
ajfa-7687	243	9	explanations	explanation	NOUN
ajfa-7687	243	10	for	for	ADP
ajfa-7687	243	11	npas	npa	NOUN
ajfa-7687	243	12	,	,	PUNCT
ajfa-7687	243	13	it	it	PRON
ajfa-7687	243	14	appears	appear	VERB
ajfa-7687	243	15	that	that	SCONJ
ajfa-7687	243	16	the	the	DET
ajfa-7687	243	17	public	public	ADJ
ajfa-7687	243	18	sector	sector	NOUN
ajfa-7687	243	19	,	,	PUNCT
ajfa-7687	243	20	and	and	CCONJ
ajfa-7687	243	21	to	to	ADP
ajfa-7687	243	22	some	some	DET
ajfa-7687	243	23	extent	extent	NOUN
ajfa-7687	243	24	the	the	DET
ajfa-7687	243	25	old	old	ADJ
ajfa-7687	243	26	private	private	ADJ
ajfa-7687	243	27	sector	sector	NOUN
ajfa-7687	243	28	,	,	PUNCT
ajfa-7687	243	29	accounts	account	VERB
ajfa-7687	243	30	for	for	ADP
ajfa-7687	243	31	the	the	DET
ajfa-7687	243	32	bulk	bulk	NOUN
ajfa-7687	243	33	of	of	ADP
ajfa-7687	243	34	the	the	DET
ajfa-7687	243	35	npa	npa	NOUN
ajfa-7687	243	36	problem	problem	NOUN
ajfa-7687	243	37	.	.	PUNCT
ajfa-7687	244	1	thus	thus	ADV
ajfa-7687	244	2	,	,	PUNCT
ajfa-7687	244	3	while	while	SCONJ
ajfa-7687	244	4	the	the	DET
ajfa-7687	244	5	policies	policy	NOUN
ajfa-7687	244	6	that	that	PRON
ajfa-7687	244	7	have	have	AUX
ajfa-7687	244	8	been	be	AUX
ajfa-7687	244	9	implemented	implement	VERB
ajfa-7687	244	10	to	to	PART
ajfa-7687	244	11	address	address	VERB
ajfa-7687	244	12	the	the	DET
ajfa-7687	244	13	npa	npa	NOUN
ajfa-7687	244	14	problem	problem	NOUN
ajfa-7687	244	15	may	may	AUX
ajfa-7687	244	16	have	have	AUX
ajfa-7687	244	17	been	be	AUX
ajfa-7687	244	18	largely	largely	ADV
ajfa-7687	244	19	asian	asian	ADJ
ajfa-7687	244	20	journal	journal	NOUN
ajfa-7687	244	21	of	of	ADP
ajfa-7687	244	22	finance	finance	PROPN
ajfa-7687	244	23	&	&	CCONJ
ajfa-7687	244	24	accounting	accounting	PROPN
ajfa-7687	244	25	issn	issn	PROPN
ajfa-7687	244	26	1946	1946	NUM
ajfa-7687	244	27	-	-	PUNCT
ajfa-7687	244	28	052x	052x	NOUN
ajfa-7687	244	29	2015	2015	NUM
ajfa-7687	244	30	,	,	PUNCT
ajfa-7687	244	31	vol	vol	NOUN
ajfa-7687	244	32	.	.	PROPN
ajfa-7687	245	1	7	7	NUM
ajfa-7687	245	2	,	,	PUNCT
ajfa-7687	245	3	no	no	INTJ
ajfa-7687	245	4	.	.	NOUN
ajfa-7687	245	5	1	1	NUM
ajfa-7687	245	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	245	7	202	202	NUM
ajfa-7687	245	8	successful	successful	ADJ
ajfa-7687	245	9	,	,	PUNCT
ajfa-7687	245	10	there	there	PRON
ajfa-7687	245	11	are	be	VERB
ajfa-7687	245	12	further	further	ADJ
ajfa-7687	245	13	steps	step	NOUN
ajfa-7687	245	14	that	that	PRON
ajfa-7687	245	15	can	can	AUX
ajfa-7687	245	16	be	be	AUX
ajfa-7687	245	17	taken	take	VERB
ajfa-7687	245	18	by	by	ADP
ajfa-7687	245	19	the	the	DET
ajfa-7687	245	20	rbi	rbi	NOUN
ajfa-7687	245	21	as	as	ADV
ajfa-7687	245	22	well	well	ADV
ajfa-7687	245	23	as	as	ADP
ajfa-7687	245	24	by	by	ADP
ajfa-7687	245	25	the	the	DET
ajfa-7687	245	26	banks	bank	NOUN
ajfa-7687	245	27	themselves	themselves	PRON
ajfa-7687	245	28	to	to	PART
ajfa-7687	245	29	tackle	tackle	VERB
ajfa-7687	245	30	the	the	DET
ajfa-7687	245	31	problem	problem	NOUN
ajfa-7687	245	32	of	of	ADP
ajfa-7687	245	33	npas	npas	NOUN
ajfa-7687	245	34	.	.	PUNCT
ajfa-7687	246	1	these	these	PRON
ajfa-7687	246	2	relate	relate	VERB
ajfa-7687	246	3	to	to	ADP
ajfa-7687	246	4	smaller	small	ADJ
ajfa-7687	246	5	banks	bank	NOUN
ajfa-7687	246	6	,	,	PUNCT
ajfa-7687	246	7	unprofitable	unprofitable	ADJ
ajfa-7687	246	8	banks	bank	NOUN
ajfa-7687	246	9	,	,	PUNCT
ajfa-7687	246	10	inefficient	inefficient	ADJ
ajfa-7687	246	11	banks	bank	NOUN
ajfa-7687	246	12	,	,	PUNCT
ajfa-7687	246	13	especially	especially	ADV
ajfa-7687	246	14	during	during	ADP
ajfa-7687	246	15	adverse	adverse	ADJ
ajfa-7687	246	16	macroeconomic	macroeconomic	ADJ
ajfa-7687	246	17	conditions	condition	NOUN
ajfa-7687	246	18	,	,	PUNCT
ajfa-7687	246	19	and	and	CCONJ
ajfa-7687	246	20	more	more	ADV
ajfa-7687	246	21	so	so	ADV
ajfa-7687	246	22	for	for	ADP
ajfa-7687	246	23	the	the	DET
ajfa-7687	246	24	public	public	ADJ
ajfa-7687	246	25	and	and	CCONJ
ajfa-7687	246	26	old	old	ADJ
ajfa-7687	246	27	private	private	ADJ
ajfa-7687	246	28	sector	sector	NOUN
ajfa-7687	246	29	banks	bank	NOUN
ajfa-7687	246	30	.	.	PUNCT
ajfa-7687	247	1	these	these	DET
ajfa-7687	247	2	findings	finding	NOUN
ajfa-7687	247	3	are	be	AUX
ajfa-7687	247	4	of	of	ADP
ajfa-7687	247	5	crucial	crucial	ADJ
ajfa-7687	247	6	importance	importance	NOUN
ajfa-7687	247	7	to	to	ADP
ajfa-7687	247	8	banks	bank	NOUN
ajfa-7687	247	9	in	in	ADP
ajfa-7687	247	10	order	order	NOUN
ajfa-7687	247	11	to	to	PART
ajfa-7687	247	12	improve	improve	VERB
ajfa-7687	247	13	their	their	PRON
ajfa-7687	247	14	credit	credit	NOUN
ajfa-7687	247	15	risk	risk	NOUN
ajfa-7687	247	16	management	management	NOUN
ajfa-7687	247	17	and	and	CCONJ
ajfa-7687	247	18	for	for	ADP
ajfa-7687	247	19	the	the	DET
ajfa-7687	247	20	regulatory	regulatory	ADJ
ajfa-7687	247	21	-	-	PUNCT
ajfa-7687	247	22	supervisory	supervisory	ADJ
ajfa-7687	247	23	authority	authority	NOUN
ajfa-7687	247	24	in	in	ADP
ajfa-7687	247	25	devising	devise	VERB
ajfa-7687	247	26	its	its	PRON
ajfa-7687	247	27	policies	policy	NOUN
ajfa-7687	247	28	,	,	PUNCT
ajfa-7687	247	29	especially	especially	ADV
ajfa-7687	247	30	in	in	ADP
ajfa-7687	247	31	view	view	NOUN
ajfa-7687	247	32	of	of	ADP
ajfa-7687	247	33	the	the	DET
ajfa-7687	247	34	importance	importance	NOUN
ajfa-7687	247	35	that	that	PRON
ajfa-7687	247	36	is	be	AUX
ajfa-7687	247	37	now	now	ADV
ajfa-7687	247	38	being	be	AUX
ajfa-7687	247	39	attached	attach	VERB
ajfa-7687	247	40	to	to	ADP
ajfa-7687	247	41	the	the	DET
ajfa-7687	247	42	concept	concept	NOUN
ajfa-7687	247	43	of	of	ADP
ajfa-7687	247	44	risk	risk	NOUN
ajfa-7687	247	45	-	-	PUNCT
ajfa-7687	247	46	based	base	VERB
ajfa-7687	247	47	supervision	supervision	NOUN
ajfa-7687	247	48	in	in	ADP
ajfa-7687	247	49	order	order	NOUN
ajfa-7687	247	50	to	to	PART
ajfa-7687	247	51	prioritize	prioritize	VERB
ajfa-7687	247	52	the	the	DET
ajfa-7687	247	53	allocation	allocation	NOUN
ajfa-7687	247	54	of	of	ADP
ajfa-7687	247	55	resources	resource	NOUN
ajfa-7687	247	56	.	.	PUNCT
ajfa-7687	248	1	references	reference	NOUN
ajfa-7687	248	2	baltagi	baltagi	PROPN
ajfa-7687	248	3	b.h	b.h	PROPN
ajfa-7687	248	4	.	.	PUNCT
ajfa-7687	249	1	(	(	PUNCT
ajfa-7687	249	2	1995	1995	NUM
ajfa-7687	249	3	)	)	PUNCT
ajfa-7687	249	4	.	.	PUNCT
ajfa-7687	250	1	econometric	econometric	ADJ
ajfa-7687	250	2	analysis	analysis	NOUN
ajfa-7687	250	3	of	of	ADP
ajfa-7687	250	4	panel	panel	NOUN
ajfa-7687	250	5	data	datum	NOUN
ajfa-7687	250	6	.	.	PUNCT
ajfa-7687	251	1	new	new	PROPN
ajfa-7687	251	2	york	york	PROPN
ajfa-7687	251	3	:	:	PUNCT
ajfa-7687	251	4	john	john	PROPN
ajfa-7687	251	5	wiley	wiley	PROPN
ajfa-7687	251	6	&	&	CCONJ
ajfa-7687	251	7	sons	son	NOUN
ajfa-7687	251	8	.	.	PUNCT
ajfa-7687	252	1	berger	berger	PROPN
ajfa-7687	252	2	,	,	PUNCT
ajfa-7687	252	3	a.n	a.n	PROPN
ajfa-7687	252	4	.	.	PROPN
ajfa-7687	252	5	,	,	PUNCT
ajfa-7687	252	6	&	&	CCONJ
ajfa-7687	252	7	g.	g.	PROPN
ajfa-7687	252	8	,	,	PUNCT
ajfa-7687	252	9	udell	udell	PROPN
ajfa-7687	252	10	.	.	PUNCT
ajfa-7687	253	1	(	(	PUNCT
ajfa-7687	253	2	2004	2004	NUM
ajfa-7687	253	3	)	)	PUNCT
ajfa-7687	253	4	.	.	PUNCT
ajfa-7687	254	1	the	the	DET
ajfa-7687	254	2	institutional	institutional	ADJ
ajfa-7687	254	3	memory	memory	NOUN
ajfa-7687	254	4	hypothesis	hypothesis	NOUN
ajfa-7687	254	5	and	and	CCONJ
ajfa-7687	254	6	the	the	DET
ajfa-7687	254	7	procyclicality	procyclicality	NOUN
ajfa-7687	254	8	of	of	ADP
ajfa-7687	254	9	bank	bank	NOUN
ajfa-7687	254	10	lending	lending	NOUN
ajfa-7687	254	11	behavior	behavior	NOUN
ajfa-7687	254	12	.	.	PUNCT
ajfa-7687	255	1	journal	journal	PROPN
ajfa-7687	255	2	of	of	ADP
ajfa-7687	255	3	financial	financial	ADJ
ajfa-7687	255	4	intermediation	intermediation	NOUN
ajfa-7687	255	5	,	,	PUNCT
ajfa-7687	255	6	13(4	13(4	NUM
ajfa-7687	255	7	)	)	PUNCT
ajfa-7687	255	8	,	,	PUNCT
ajfa-7687	255	9	458	458	NUM
ajfa-7687	255	10	-	-	SYM
ajfa-7687	255	11	495	495	NUM
ajfa-7687	255	12	.	.	PUNCT
ajfa-7687	256	1	http://dx.doi.org/10.1016/j.jfi.2004.06.006	http://dx.doi.org/10.1016/j.jfi.2004.06.006	PROPN
ajfa-7687	256	2	bloem	bloem	PROPN
ajfa-7687	256	3	,	,	PUNCT
ajfa-7687	256	4	a.m.	a.m.	ADV
ajfa-7687	256	5	,	,	PUNCT
ajfa-7687	256	6	&	&	CCONJ
ajfa-7687	256	7	goerter	goerter	PROPN
ajfa-7687	256	8	,	,	PUNCT
ajfa-7687	256	9	c.n	c.n	PROPN
ajfa-7687	256	10	(	(	PUNCT
ajfa-7687	256	11	2001	2001	NUM
ajfa-7687	256	12	)	)	PUNCT
ajfa-7687	256	13	,	,	PUNCT
ajfa-7687	256	14	the	the	DET
ajfa-7687	256	15	macroeconomic	macroeconomic	ADJ
ajfa-7687	256	16	statistical	statistical	ADJ
ajfa-7687	256	17	treatment	treatment	NOUN
ajfa-7687	256	18	of	of	ADP
ajfa-7687	256	19	non	non	ADJ
ajfa-7687	256	20	-	-	ADJ
ajfa-7687	256	21	performing	perform	VERB
ajfa-7687	256	22	loans	loan	NOUN
ajfa-7687	256	23	’	'	PUNCT
ajfa-7687	256	24	,	,	PUNCT
ajfa-7687	256	25	discussion	discussion	NOUN
ajfa-7687	256	26	paper	paper	NOUN
ajfa-7687	256	27	,	,	PUNCT
ajfa-7687	256	28	statistics	statistics	PROPN
ajfa-7687	256	29	department	department	PROPN
ajfa-7687	256	30	of	of	ADP
ajfa-7687	256	31	the	the	DET
ajfa-7687	256	32	imf	imf	PROPN
ajfa-7687	256	33	,	,	PUNCT
ajfa-7687	256	34	december	december	PROPN
ajfa-7687	256	35	caprio	caprio	PROPN
ajfa-7687	256	36	,	,	PUNCT
ajfa-7687	256	37	g.	g.	PROPN
ajfa-7687	256	38	,	,	PUNCT
ajfa-7687	256	39	i.atiyas	i.atiyas	PROPN
ajfa-7687	256	40	,	,	PUNCT
ajfa-7687	256	41	&	&	CCONJ
ajfa-7687	256	42	j.a.hanson	j.a.hanson	PROPN
ajfa-7687	256	43	.	.	PUNCT
ajfa-7687	257	1	(	(	PUNCT
ajfa-7687	257	2	1994	1994	NUM
ajfa-7687	257	3	)	)	PUNCT
ajfa-7687	257	4	.	.	PUNCT
ajfa-7687	258	1	financial	financial	ADJ
ajfa-7687	258	2	reform	reform	NOUN
ajfa-7687	258	3	:	:	PUNCT
ajfa-7687	258	4	theory	theory	NOUN
ajfa-7687	258	5	and	and	CCONJ
ajfa-7687	258	6	experience	experience	NOUN
ajfa-7687	258	7	,	,	PUNCT
ajfa-7687	258	8	cambridge	cambridge	PROPN
ajfa-7687	258	9	:	:	PUNCT
ajfa-7687	258	10	cambridge	cambridge	PROPN
ajfa-7687	258	11	university	university	PROPN
ajfa-7687	258	12	press	press	PROPN
ajfa-7687	258	13	cdr	cdr	NOUN
ajfa-7687	258	14	performance	performance	NOUN
ajfa-7687	258	15	report	report	NOUN
ajfa-7687	258	16	.	.	PUNCT
ajfa-7687	259	1	(	(	PUNCT
ajfa-7687	259	2	2014	2014	NUM
ajfa-7687	259	3	)	)	PUNCT
ajfa-7687	259	4	.	.	PUNCT
ajfa-7687	260	1	available	available	ADJ
ajfa-7687	260	2	at	at	ADP
ajfa-7687	260	3	http://www.cdrindia.org/statistical.htm	http://www.cdrindia.org/statistical.htm	PROPN
ajfa-7687	260	4	chaudhury	chaudhury	PROPN
ajfa-7687	260	5	&	&	CCONJ
ajfa-7687	260	6	sensarma	sensarma	PROPN
ajfa-7687	260	7	.	.	PUNCT
ajfa-7687	261	1	(	(	PUNCT
ajfa-7687	261	2	2006	2006	NUM
ajfa-7687	261	3	)	)	PUNCT
ajfa-7687	261	4	.	.	PUNCT
ajfa-7687	262	1	non	non	ADJ
ajfa-7687	262	2	-	-	ADJ
ajfa-7687	262	3	performing	perform	VERB
ajfa-7687	262	4	assets	asset	NOUN
ajfa-7687	262	5	in	in	ADP
ajfa-7687	262	6	indian	indian	ADJ
ajfa-7687	262	7	banking	banking	NOUN
ajfa-7687	262	8	:	:	PUNCT
ajfa-7687	262	9	magnitude	magnitude	NOUN
ajfa-7687	262	10	,	,	PUNCT
ajfa-7687	262	11	determinants	determinant	NOUN
ajfa-7687	262	12	and	and	CCONJ
ajfa-7687	262	13	impact	impact	NOUN
ajfa-7687	262	14	of	of	ADP
ajfa-7687	262	15	recent	recent	ADJ
ajfa-7687	262	16	policy	policy	NOUN
ajfa-7687	262	17	initiative	initiative	NOUN
ajfa-7687	262	18	.	.	PUNCT
ajfa-7687	263	1	india	india	PROPN
ajfa-7687	263	2	development	development	PROPN
ajfa-7687	263	3	report	report	PROPN
ajfa-7687	263	4	.	.	PUNCT
ajfa-7687	264	1	clair	clair	PROPN
ajfa-7687	264	2	,	,	PUNCT
ajfa-7687	264	3	r.t	r.t	PROPN
ajfa-7687	264	4	.	.	PROPN
ajfa-7687	264	5	(	(	PUNCT
ajfa-7687	264	6	1992	1992	NUM
ajfa-7687	264	7	)	)	PUNCT
ajfa-7687	264	8	.	.	PUNCT
ajfa-7687	265	1	loan	loan	NOUN
ajfa-7687	265	2	growth	growth	NOUN
ajfa-7687	265	3	and	and	CCONJ
ajfa-7687	265	4	loan	loan	NOUN
ajfa-7687	265	5	quality	quality	NOUN
ajfa-7687	265	6	:	:	PUNCT
ajfa-7687	265	7	some	some	DET
ajfa-7687	265	8	preliminary	preliminary	ADJ
ajfa-7687	265	9	evidence	evidence	NOUN
ajfa-7687	265	10	from	from	ADP
ajfa-7687	265	11	texas	texas	PROPN
ajfa-7687	265	12	banks	bank	NOUN
ajfa-7687	265	13	,	,	PUNCT
ajfa-7687	265	14	economic	economic	ADJ
ajfa-7687	265	15	review	review	NOUN
ajfa-7687	265	16	,	,	PUNCT
ajfa-7687	265	17	federal	federal	PROPN
ajfa-7687	265	18	reserve	reserve	PROPN
ajfa-7687	265	19	bank	bank	PROPN
ajfa-7687	265	20	of	of	ADP
ajfa-7687	265	21	dallas	dallas	PROPN
ajfa-7687	265	22	,	,	PUNCT
ajfa-7687	265	23	third	third	ADJ
ajfa-7687	265	24	quarter	quarter	NOUN
ajfa-7687	265	25	,	,	PUNCT
ajfa-7687	265	26	pp	pp	ADV
ajfa-7687	265	27	.	.	PUNCT
ajfa-7687	266	1	9–21	9–21	PROPN
ajfa-7687	266	2	colin	colin	PROPN
ajfa-7687	266	3	,	,	PUNCT
ajfa-7687	266	4	a.c	a.c	PROPN
ajfa-7687	266	5	.	.	PROPN
ajfa-7687	266	6	,	,	PUNCT
ajfa-7687	266	7	&	&	CCONJ
ajfa-7687	266	8	trivedi	trivedi	PROPN
ajfa-7687	266	9	p.k	p.k	PROPN
ajfa-7687	266	10	.	.	PUNCT
ajfa-7687	266	11	(	(	PUNCT
ajfa-7687	266	12	2005	2005	NUM
ajfa-7687	266	13	)	)	PUNCT
ajfa-7687	266	14	.	.	PUNCT
ajfa-7687	267	1	microeconometrics	microeconometrics	PROPN
ajfa-7687	267	2	methods	method	NOUN
ajfa-7687	267	3	and	and	CCONJ
ajfa-7687	267	4	applications	application	NOUN
ajfa-7687	267	5	.	.	PUNCT
ajfa-7687	268	1	cambridge	cambridge	PROPN
ajfa-7687	268	2	:	:	PUNCT
ajfa-7687	268	3	cambridge	cambridge	PROPN
ajfa-7687	268	4	university	university	PROPN
ajfa-7687	268	5	press	press	NOUN
ajfa-7687	268	6	.	.	PUNCT
ajfa-7687	269	1	das	das	PROPN
ajfa-7687	269	2	a.	a.	PROPN
ajfa-7687	269	3	,	,	PUNCT
ajfa-7687	269	4	&	&	CCONJ
ajfa-7687	269	5	ghosh	ghosh	PROPN
ajfa-7687	269	6	s.	s.	PROPN
ajfa-7687	269	7	(	(	PUNCT
ajfa-7687	269	8	2007	2007	NUM
ajfa-7687	269	9	)	)	PUNCT
ajfa-7687	269	10	.	.	PUNCT
ajfa-7687	270	1	determinants	determinant	NOUN
ajfa-7687	270	2	of	of	ADP
ajfa-7687	270	3	credit	credit	NOUN
ajfa-7687	270	4	risk	risk	NOUN
ajfa-7687	270	5	in	in	ADP
ajfa-7687	270	6	indian	indian	ADJ
ajfa-7687	270	7	state	state	NOUN
ajfa-7687	270	8	owned	own	VERB
ajfa-7687	270	9	banks	bank	NOUN
ajfa-7687	270	10	:	:	PUNCT
ajfa-7687	270	11	an	an	DET
ajfa-7687	270	12	empirical	empirical	ADJ
ajfa-7687	270	13	investigation	investigation	NOUN
ajfa-7687	270	14	,	,	PUNCT
ajfa-7687	270	15	mpra	mpra	PROPN
ajfa-7687	270	16	paper	paper	PROPN
ajfa-7687	270	17	no	no	PROPN
ajfa-7687	270	18	.	.	PROPN
ajfa-7687	270	19	17301	17301	NUM
ajfa-7687	270	20	,	,	PUNCT
ajfa-7687	270	21	posted	post	VERB
ajfa-7687	270	22	16	16	NUM
ajfa-7687	270	23	.	.	PUNCT
ajfa-7687	271	1	september	september	PROPN
ajfa-7687	271	2	2009	2009	NUM
ajfa-7687	271	3	14:09	14:09	NUM
ajfa-7687	271	4	utc	utc	PROPN
ajfa-7687	271	5	,	,	PUNCT
ajfa-7687	271	6	online	online	ADV
ajfa-7687	271	7	at	at	ADP
ajfa-7687	271	8	http://mpra.ub.uni-muenchen.de/17301/	http://mpra.ub.uni-muenchen.de/17301/	PROPN
ajfa-7687	271	9	espinoza	espinoza	PROPN
ajfa-7687	271	10	,	,	PUNCT
ajfa-7687	271	11	r.	r.	PROPN
ajfa-7687	271	12	a.	a.	PROPN
ajfa-7687	271	13	,	,	PUNCT
ajfa-7687	271	14	williams	williams	PROPN
ajfa-7687	271	15	,	,	PUNCT
ajfa-7687	271	16	m.	m.	PROPN
ajfa-7687	271	17	o.	o.	PROPN
ajfa-7687	271	18	,	,	PUNCT
ajfa-7687	271	19	&	&	CCONJ
ajfa-7687	271	20	prasad	prasad	PROPN
ajfa-7687	271	21	,	,	PUNCT
ajfa-7687	271	22	a.	a.	NOUN
ajfa-7687	271	23	(	(	PUNCT
ajfa-7687	271	24	2010	2010	NUM
ajfa-7687	271	25	)	)	PUNCT
ajfa-7687	271	26	.	.	PUNCT
ajfa-7687	272	1	regional	regional	ADJ
ajfa-7687	272	2	financial	financial	ADJ
ajfa-7687	272	3	integration	integration	NOUN
ajfa-7687	272	4	in	in	ADP
ajfa-7687	272	5	the	the	DET
ajfa-7687	272	6	gcc	gcc	NOUN
ajfa-7687	272	7	(	(	PUNCT
ajfa-7687	272	8	no	no	INTJ
ajfa-7687	272	9	.	.	NOUN
ajfa-7687	272	10	10	10	NUM
ajfa-7687	272	11	-	-	SYM
ajfa-7687	272	12	90	90	NUM
ajfa-7687	272	13	)	)	PUNCT
ajfa-7687	272	14	.	.	PUNCT
ajfa-7687	273	1	international	international	ADJ
ajfa-7687	273	2	monetary	monetary	ADJ
ajfa-7687	273	3	fund	fund	PROPN
ajfa-7687	273	4	.	.	PUNCT
ajfa-7687	274	1	http://dx.doi.org/10.5089/9781451982589.001	http://dx.doi.org/10.5089/9781451982589.001	PROPN
ajfa-7687	274	2	fernandez	fernandez	PROPN
ajfa-7687	274	3	de	de	X
ajfa-7687	274	4	lis	lis	PROPN
ajfa-7687	274	5	,	,	PUNCT
ajfa-7687	274	6	jorge	jorge	NOUN
ajfa-7687	274	7	martínez	martínez	PROPN
ajfa-7687	274	8	pagés	pagés	PROPN
ajfa-7687	274	9	,	,	PUNCT
ajfa-7687	274	10	&	&	CCONJ
ajfa-7687	274	11	jesús	jesús	PROPN
ajfa-7687	274	12	saurina	saurina	PROPN
ajfa-7687	274	13	.	.	PUNCT
ajfa-7687	275	1	(	(	PUNCT
ajfa-7687	275	2	2000	2000	NUM
ajfa-7687	275	3	)	)	PUNCT
ajfa-7687	275	4	.	.	PUNCT
ajfa-7687	276	1	credit	credit	NOUN
ajfa-7687	276	2	growth	growth	NOUN
ajfa-7687	276	3	,	,	PUNCT
ajfa-7687	276	4	problem	problem	NOUN
ajfa-7687	276	5	loans	loan	NOUN
ajfa-7687	276	6	and	and	CCONJ
ajfa-7687	276	7	credit	credit	NOUN
ajfa-7687	276	8	risk	risk	NOUN
ajfa-7687	276	9	provisioning	provisioning	NOUN
ajfa-7687	276	10	in	in	ADP
ajfa-7687	276	11	spain	spain	PROPN
ajfa-7687	276	12	,	,	PUNCT
ajfa-7687	276	13	working	working	NOUN
ajfa-7687	276	14	paper	paper	NOUN
ajfa-7687	276	15	no	no	INTJ
ajfa-7687	276	16	.	.	PROPN
ajfa-7687	276	17	0018	0018	NUM
ajfa-7687	276	18	,	,	PUNCT
ajfa-7687	276	19	banco	banco	PROPN
ajfa-7687	276	20	de	de	PROPN
ajfa-7687	276	21	espana	espana	PROPN
ajfa-7687	276	22	gabriel	gabriel	PROPN
ajfa-7687	276	23	,	,	PUNCT
ajfa-7687	276	24	j.	j.	PROPN
ajfa-7687	276	25	,	,	PUNCT
ajfa-7687	276	26	v.	v.	PROPN
ajfa-7687	276	27	salas	salas	PROPN
ajfa-7687	276	28	,	,	PUNCT
ajfa-7687	276	29	&	&	CCONJ
ajfa-7687	276	30	j.	j.	PROPN
ajfa-7687	276	31	,	,	PUNCT
ajfa-7687	276	32	saurina	saurina	PROPN
ajfa-7687	276	33	.	.	PUNCT
ajfa-7687	277	1	(	(	PUNCT
ajfa-7687	277	2	2006	2006	NUM
ajfa-7687	277	3	)	)	PUNCT
ajfa-7687	277	4	.	.	PUNCT
ajfa-7687	278	1	determinants	determinant	NOUN
ajfa-7687	278	2	of	of	ADP
ajfa-7687	278	3	collateral	collateral	NOUN
ajfa-7687	278	4	.	.	PUNCT
ajfa-7687	279	1	journal	journal	NOUN
ajfa-7687	279	2	of	of	ADP
ajfa-7687	279	3	financial	financial	ADJ
ajfa-7687	279	4	economics	economic	NOUN
ajfa-7687	279	5	,	,	PUNCT
ajfa-7687	279	6	81(2	81(2	NUM
ajfa-7687	279	7	)	)	PUNCT
ajfa-7687	279	8	.	.	PUNCT
ajfa-7687	280	1	255	255	NUM
ajfa-7687	280	2	-	-	SYM
ajfa-7687	280	3	281	281	NUM
ajfa-7687	280	4	.	.	PUNCT
ajfa-7687	281	1	http://dx.doi.org/10.1016/j.jfineco.2005.06.003	http://dx.doi.org/10.1016/j.jfineco.2005.06.003	PROPN
ajfa-7687	281	2	greene	greene	PROPN
ajfa-7687	281	3	,	,	PUNCT
ajfa-7687	281	4	w.	w.	PROPN
ajfa-7687	281	5	h.	h.	PROPN
ajfa-7687	281	6	(	(	PUNCT
ajfa-7687	281	7	2003	2003	NUM
ajfa-7687	281	8	)	)	PUNCT
ajfa-7687	281	9	.	.	PUNCT
ajfa-7687	282	1	econometric	econometric	ADJ
ajfa-7687	282	2	analysis	analysis	NOUN
ajfa-7687	282	3	.	.	PUNCT
ajfa-7687	283	1	pearson	pearson	PROPN
ajfa-7687	283	2	education	education	PROPN
ajfa-7687	283	3	india	india	PROPN
ajfa-7687	283	4	.	.	PUNCT
ajfa-7687	284	1	hsiao	hsiao	PROPN
ajfa-7687	284	2	,	,	PUNCT
ajfa-7687	284	3	c.	c.	PROPN
ajfa-7687	284	4	(	(	PUNCT
ajfa-7687	284	5	1985	1985	NUM
ajfa-7687	284	6	)	)	PUNCT
ajfa-7687	284	7	.	.	PUNCT
ajfa-7687	285	1	benefits	benefit	NOUN
ajfa-7687	285	2	and	and	CCONJ
ajfa-7687	285	3	limitations	limitation	NOUN
ajfa-7687	285	4	of	of	ADP
ajfa-7687	285	5	panel	panel	NOUN
ajfa-7687	285	6	data	datum	NOUN
ajfa-7687	285	7	,	,	PUNCT
ajfa-7687	285	8	econometrics	econometrics	NOUN
ajfa-7687	285	9	reviews	review	NOUN
ajfa-7687	285	10	,	,	PUNCT
ajfa-7687	285	11	4(1	4(1	NOUN
ajfa-7687	285	12	)	)	PUNCT
ajfa-7687	285	13	,	,	PUNCT
ajfa-7687	285	14	121	121	NUM
ajfa-7687	285	15	-	-	SYM
ajfa-7687	285	16	174	174	NUM
ajfa-7687	285	17	.	.	PUNCT
ajfa-7687	286	1	http://dx.doi.org/10.1080/07474938508800078	http://dx.doi.org/10.1080/07474938508800078	PROPN
ajfa-7687	286	2	asian	asian	PROPN
ajfa-7687	286	3	journal	journal	PROPN
ajfa-7687	286	4	of	of	ADP
ajfa-7687	286	5	finance	finance	PROPN
ajfa-7687	286	6	&	&	CCONJ
ajfa-7687	286	7	accounting	accounting	PROPN
ajfa-7687	286	8	issn	issn	PROPN
ajfa-7687	286	9	1946	1946	NUM
ajfa-7687	286	10	-	-	PUNCT
ajfa-7687	286	11	052x	052x	NOUN
ajfa-7687	286	12	2015	2015	NUM
ajfa-7687	286	13	,	,	PUNCT
ajfa-7687	286	14	vol	vol	NOUN
ajfa-7687	286	15	.	.	PROPN
ajfa-7687	286	16	7	7	NUM
ajfa-7687	286	17	,	,	PUNCT
ajfa-7687	286	18	no	no	INTJ
ajfa-7687	286	19	.	.	NOUN
ajfa-7687	286	20	1	1	NUM
ajfa-7687	286	21	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	286	22	203	203	NUM
ajfa-7687	286	23	hsiao	hsiao	PROPN
ajfa-7687	286	24	,	,	PUNCT
ajfa-7687	286	25	c.	c.	PROPN
ajfa-7687	286	26	(	(	PUNCT
ajfa-7687	286	27	2014	2014	NUM
ajfa-7687	286	28	)	)	PUNCT
ajfa-7687	286	29	.	.	PUNCT
ajfa-7687	287	1	analysis	analysis	NOUN
ajfa-7687	287	2	of	of	ADP
ajfa-7687	287	3	panel	panel	NOUN
ajfa-7687	287	4	data	datum	NOUN
ajfa-7687	287	5	(	(	PUNCT
ajfa-7687	287	6	vol	vol	NOUN
ajfa-7687	287	7	.	.	PROPN
ajfa-7687	287	8	54	54	NUM
ajfa-7687	287	9	)	)	PUNCT
ajfa-7687	287	10	.	.	PUNCT
ajfa-7687	288	1	cambridge	cambridge	PROPN
ajfa-7687	288	2	university	university	PROPN
ajfa-7687	288	3	press	press	NOUN
ajfa-7687	288	4	.	.	PUNCT
ajfa-7687	289	1	http://dx.doi.org/10.1017/cbo9781139839327	http://dx.doi.org/10.1017/cbo9781139839327	PROPN
ajfa-7687	290	1	hu	hu	PROPN
ajfa-7687	290	2	,	,	PUNCT
ajfa-7687	290	3	j.	j.	PROPN
ajfa-7687	290	4	l.	l.	PROPN
ajfa-7687	290	5	,	,	PUNCT
ajfa-7687	290	6	li	li	PROPN
ajfa-7687	290	7	,	,	PUNCT
ajfa-7687	290	8	y.	y.	PROPN
ajfa-7687	290	9	,	,	PUNCT
ajfa-7687	290	10	&	&	CCONJ
ajfa-7687	290	11	chiu	chiu	PROPN
ajfa-7687	290	12	,	,	PUNCT
ajfa-7687	290	13	y.	y.	PROPN
ajfa-7687	290	14	h.	h.	PROPN
ajfa-7687	290	15	(	(	PUNCT
ajfa-7687	290	16	2004	2004	NUM
ajfa-7687	290	17	)	)	PUNCT
ajfa-7687	290	18	.	.	PUNCT
ajfa-7687	291	1	ownership	ownership	NOUN
ajfa-7687	291	2	and	and	CCONJ
ajfa-7687	291	3	nonperforming	nonperforme	VERB
ajfa-7687	291	4	loans	loan	NOUN
ajfa-7687	291	5	:	:	PUNCT
ajfa-7687	291	6	evidence	evidence	NOUN
ajfa-7687	291	7	from	from	ADP
ajfa-7687	291	8	taiwan	taiwan	PROPN
ajfa-7687	291	9	's	's	PART
ajfa-7687	291	10	banks	bank	NOUN
ajfa-7687	291	11	.	.	PUNCT
ajfa-7687	292	1	the	the	DET
ajfa-7687	292	2	developing	develop	VERB
ajfa-7687	292	3	economies	economy	NOUN
ajfa-7687	292	4	,	,	PUNCT
ajfa-7687	292	5	42(3	42(3	NUM
ajfa-7687	292	6	)	)	PUNCT
ajfa-7687	292	7	,	,	PUNCT
ajfa-7687	292	8	405-420.http://dx.doi.org/10.1111/j.1746-1049.2004.tb00945.x	405-420.http://dx.doi.org/10.1111/j.1746-1049.2004.tb00945.x	PROPN
ajfa-7687	292	9	imf	imf	PROPN
ajfa-7687	292	10	,	,	PUNCT
ajfa-7687	292	11	s.	s.	PROPN
ajfa-7687	292	12	,	,	PUNCT
ajfa-7687	292	13	&	&	CCONJ
ajfa-7687	292	14	soundness	soundness	NOUN
ajfa-7687	292	15	,	,	PUNCT
ajfa-7687	292	16	r.	r.	PROPN
ajfa-7687	292	17	f.	f.	PROPN
ajfa-7687	292	18	(	(	PUNCT
ajfa-7687	292	19	2013	2013	NUM
ajfa-7687	292	20	)	)	PUNCT
ajfa-7687	292	21	.	.	PUNCT
ajfa-7687	293	1	global	global	ADJ
ajfa-7687	293	2	financial	financial	ADJ
ajfa-7687	293	3	stability	stability	NOUN
ajfa-7687	293	4	report	report	NOUN
ajfa-7687	293	5	.	.	PUNCT
ajfa-7687	294	1	international	international	ADJ
ajfa-7687	294	2	monetary	monetary	ADJ
ajfa-7687	294	3	fund	fund	PROPN
ajfa-7687	294	4	.	.	PUNCT
ajfa-7687	295	1	india	india	PROPN
ajfa-7687	295	2	committee	committee	PROPN
ajfa-7687	295	3	on	on	ADP
ajfa-7687	295	4	the	the	DET
ajfa-7687	295	5	financial	financial	ADJ
ajfa-7687	295	6	system	system	NOUN
ajfa-7687	295	7	,	,	PUNCT
ajfa-7687	295	8	&	&	CCONJ
ajfa-7687	295	9	narasimham	narasimham	PROPN
ajfa-7687	295	10	,	,	PUNCT
ajfa-7687	295	11	m.	m.	NOUN
ajfa-7687	295	12	(	(	PUNCT
ajfa-7687	295	13	1991	1991	NUM
ajfa-7687	295	14	)	)	PUNCT
ajfa-7687	295	15	.	.	PUNCT
ajfa-7687	296	1	report	report	NOUN
ajfa-7687	296	2	of	of	ADP
ajfa-7687	296	3	the	the	DET
ajfa-7687	296	4	committee	committee	NOUN
ajfa-7687	296	5	on	on	ADP
ajfa-7687	296	6	the	the	DET
ajfa-7687	296	7	financial	financial	ADJ
ajfa-7687	296	8	system	system	NOUN
ajfa-7687	296	9	.	.	PUNCT
ajfa-7687	297	1	reserve	reserve	PROPN
ajfa-7687	297	2	bank	bank	PROPN
ajfa-7687	297	3	of	of	ADP
ajfa-7687	297	4	india	india	PROPN
ajfa-7687	297	5	,	,	PUNCT
ajfa-7687	297	6	department	department	NOUN
ajfa-7687	297	7	of	of	ADP
ajfa-7687	297	8	banking	banking	NOUN
ajfa-7687	297	9	operations	operation	NOUN
ajfa-7687	297	10	and	and	CCONJ
ajfa-7687	297	11	development	development	NOUN
ajfa-7687	297	12	.	.	PUNCT
ajfa-7687	298	1	jimenez	jimenez	PROPN
ajfa-7687	298	2	,	,	PUNCT
ajfa-7687	298	3	g.	g.	PROPN
ajfa-7687	298	4	,	,	PUNCT
ajfa-7687	298	5	&	&	CCONJ
ajfa-7687	298	6	j.saurina	j.saurina	PROPN
ajfa-7687	298	7	.	.	PUNCT
ajfa-7687	298	8	(	(	PUNCT
ajfa-7687	298	9	2006	2006	NUM
ajfa-7687	298	10	)	)	PUNCT
ajfa-7687	298	11	.	.	PUNCT
ajfa-7687	299	1	credit	credit	NOUN
ajfa-7687	299	2	cycles	cycle	NOUN
ajfa-7687	299	3	,	,	PUNCT
ajfa-7687	299	4	credit	credit	NOUN
ajfa-7687	299	5	risk	risk	NOUN
ajfa-7687	299	6	and	and	CCONJ
ajfa-7687	299	7	prudential	prudential	ADJ
ajfa-7687	299	8	regulation	regulation	PROPN
ajfa-7687	299	9	,	,	PUNCT
ajfa-7687	299	10	international	international	ADJ
ajfa-7687	299	11	journal	journal	NOUN
ajfa-7687	299	12	of	of	ADP
ajfa-7687	299	13	central	central	ADJ
ajfa-7687	299	14	banking	banking	NOUN
ajfa-7687	299	15	,	,	PUNCT
ajfa-7687	299	16	2	2	NUM
ajfa-7687	299	17	,	,	PUNCT
ajfa-7687	299	18	65	65	NUM
ajfa-7687	299	19	-	-	SYM
ajfa-7687	299	20	98	98	NUM
ajfa-7687	299	21	.	.	PUNCT
ajfa-7687	300	1	kwan	kwan	PROPN
ajfa-7687	300	2	,	,	PUNCT
ajfa-7687	300	3	s.	s.	PROPN
ajfa-7687	300	4	,	,	PUNCT
ajfa-7687	300	5	&	&	CCONJ
ajfa-7687	300	6	r.	r.	PROPN
ajfa-7687	300	7	eisenbis	eisenbis	PROPN
ajfa-7687	300	8	.	.	PUNCT
ajfa-7687	301	1	(	(	PUNCT
ajfa-7687	301	2	1997	1997	NUM
ajfa-7687	301	3	)	)	PUNCT
ajfa-7687	301	4	.	.	PUNCT
ajfa-7687	302	1	bank	bank	NOUN
ajfa-7687	302	2	risk	risk	NOUN
ajfa-7687	302	3	,	,	PUNCT
ajfa-7687	302	4	capitalisation	capitalisation	NOUN
ajfa-7687	302	5	and	and	CCONJ
ajfa-7687	302	6	operating	operating	NOUN
ajfa-7687	302	7	efficiency	efficiency	NOUN
ajfa-7687	302	8	,	,	PUNCT
ajfa-7687	302	9	journal	journal	NOUN
ajfa-7687	302	10	of	of	ADP
ajfa-7687	302	11	financial	financial	ADJ
ajfa-7687	302	12	services	service	NOUN
ajfa-7687	302	13	research	research	NOUN
ajfa-7687	302	14	,	,	PUNCT
ajfa-7687	302	15	12	12	NUM
ajfa-7687	302	16	,	,	PUNCT
ajfa-7687	302	17	117	117	NUM
ajfa-7687	302	18	-	-	SYM
ajfa-7687	302	19	131	131	NUM
ajfa-7687	302	20	.	.	PUNCT
ajfa-7687	303	1	http://dx.doi.org/10.1023/a:1007970618648	http://dx.doi.org/10.1023/a:1007970618648	PROPN
ajfa-7687	303	2	lyoha	lyoha	PROPN
ajfa-7687	303	3	,	,	PUNCT
ajfa-7687	303	4	&	&	CCONJ
ajfa-7687	303	5	udegbunam	udegbunam	PROPN
ajfa-7687	303	6	.	.	PUNCT
ajfa-7687	303	7	(	(	PUNCT
ajfa-7687	303	8	1999	1999	NUM
ajfa-7687	303	9	)	)	PUNCT
ajfa-7687	303	10	.	.	PUNCT
ajfa-7687	304	1	prediction	prediction	NOUN
ajfa-7687	304	2	of	of	ADP
ajfa-7687	304	3	bank	bank	NOUN
ajfa-7687	304	4	failure	failure	NOUN
ajfa-7687	304	5	nigeria	nigeria	PROPN
ajfa-7687	304	6	using	use	VERB
ajfa-7687	304	7	financial	financial	ADJ
ajfa-7687	304	8	ratios	ratio	NOUN
ajfa-7687	304	9	and	and	CCONJ
ajfa-7687	304	10	logit	logit	PROPN
ajfa-7687	304	11	regression	regression	NOUN
ajfa-7687	304	12	model	model	NOUN
ajfa-7687	304	13	,	,	PUNCT
ajfa-7687	304	14	prajnan	prajnan	PROPN
ajfa-7687	304	15	,	,	PUNCT
ajfa-7687	304	16	pp	pp	ADP
ajfa-7687	304	17	291	291	NUM
ajfa-7687	304	18	-	-	SYM
ajfa-7687	304	19	304	304	NUM
ajfa-7687	304	20	mcgoven	mcgoven	NOUN
ajfa-7687	304	21	,	,	PUNCT
ajfa-7687	304	22	j.	j.	PROPN
ajfa-7687	304	23	(	(	PUNCT
ajfa-7687	304	24	1993	1993	NUM
ajfa-7687	304	25	)	)	PUNCT
ajfa-7687	304	26	.	.	PUNCT
ajfa-7687	305	1	why	why	SCONJ
ajfa-7687	305	2	bad	bad	ADJ
ajfa-7687	305	3	loans	loan	NOUN
ajfa-7687	305	4	happen	happen	VERB
ajfa-7687	305	5	to	to	ADP
ajfa-7687	305	6	good	good	ADJ
ajfa-7687	305	7	banks	bank	NOUN
ajfa-7687	305	8	,	,	PUNCT
ajfa-7687	305	9	the	the	DET
ajfa-7687	305	10	journal	journal	NOUN
ajfa-7687	305	11	of	of	ADP
ajfa-7687	305	12	commercial	commercial	ADJ
ajfa-7687	305	13	lending	lending	NOUN
ajfa-7687	305	14	,	,	PUNCT
ajfa-7687	305	15	philadelphia	philadelphia	PROPN
ajfa-7687	305	16	,	,	PUNCT
ajfa-7687	305	17	february	february	PROPN
ajfa-7687	305	18	,	,	PUNCT
ajfa-7687	305	19	78	78	NUM
ajfa-7687	305	20	.	.	PUNCT
ajfa-7687	306	1	mohan	mohan	PROPN
ajfa-7687	306	2	,	,	PUNCT
ajfa-7687	306	3	rakesh	rakesh	PROPN
ajfa-7687	306	4	.	.	PUNCT
ajfa-7687	306	5	(	(	PUNCT
ajfa-7687	306	6	2003	2003	NUM
ajfa-7687	306	7	)	)	PUNCT
ajfa-7687	306	8	.	.	PUNCT
ajfa-7687	307	1	transforming	transform	VERB
ajfa-7687	307	2	indian	indian	ADJ
ajfa-7687	307	3	banking	banking	NOUN
ajfa-7687	307	4	:	:	PUNCT
ajfa-7687	307	5	in	in	ADP
ajfa-7687	307	6	search	search	NOUN
ajfa-7687	307	7	of	of	ADP
ajfa-7687	307	8	a	a	DET
ajfa-7687	307	9	better	well	ADJ
ajfa-7687	307	10	tomorrow	tomorrow	NOUN
ajfa-7687	307	11	,	,	PUNCT
ajfa-7687	307	12	reserve	reserve	PROPN
ajfa-7687	307	13	bank	bank	PROPN
ajfa-7687	307	14	of	of	ADP
ajfa-7687	307	15	india	india	PROPN
ajfa-7687	307	16	bulletin	bulletin	PROPN
ajfa-7687	307	17	,	,	PUNCT
ajfa-7687	307	18	january	january	PROPN
ajfa-7687	307	19	.	.	PUNCT
ajfa-7687	308	1	mukherjee	mukherjee	PROPN
ajfa-7687	308	2	paramita	paramita	PROPN
ajfa-7687	308	3	.	.	PUNCT
ajfa-7687	309	1	(	(	PUNCT
ajfa-7687	309	2	2003	2003	NUM
ajfa-7687	309	3	)	)	PUNCT
ajfa-7687	309	4	.	.	PUNCT
ajfa-7687	310	1	dealing	deal	VERB
ajfa-7687	310	2	with	with	ADP
ajfa-7687	310	3	npas	npa	NOUN
ajfa-7687	310	4	-	-	PUNCT
ajfa-7687	310	5	lessons	lesson	NOUN
ajfa-7687	310	6	from	from	ADP
ajfa-7687	310	7	international	international	ADJ
ajfa-7687	310	8	experiences	experience	NOUN
ajfa-7687	310	9	,	,	PUNCT
ajfa-7687	310	10	icra	icra	PROPN
ajfa-7687	310	11	bulletinmoney	bulletinmoney	PROPN
ajfa-7687	310	12	and	and	CCONJ
ajfa-7687	310	13	finance	finance	NOUN
ajfa-7687	310	14	,	,	PUNCT
ajfa-7687	310	15	2(12	2(12	NUM
ajfa-7687	310	16	)	)	PUNCT
ajfa-7687	310	17	,	,	PUNCT
ajfa-7687	310	18	64	64	NUM
ajfa-7687	310	19	-	-	SYM
ajfa-7687	310	20	90	90	NUM
ajfa-7687	310	21	muniappan	muniappan	NOUN
ajfa-7687	310	22	,	,	PUNCT
ajfa-7687	310	23	g.	g.	PROPN
ajfa-7687	310	24	(	(	PUNCT
ajfa-7687	310	25	2002	2002	NUM
ajfa-7687	310	26	)	)	PUNCT
ajfa-7687	310	27	.	.	PUNCT
ajfa-7687	311	1	the	the	DET
ajfa-7687	311	2	npa	npa	PROPN
ajfa-7687	311	3	overhang	overhang	PROPN
ajfa-7687	311	4	magnitude	magnitude	NOUN
ajfa-7687	311	5	,	,	PUNCT
ajfa-7687	311	6	solution	solution	NOUN
ajfa-7687	311	7	and	and	CCONJ
ajfa-7687	311	8	legal	legal	ADJ
ajfa-7687	311	9	reforms	reform	NOUN
ajfa-7687	311	10	,	,	PUNCT
ajfa-7687	311	11	reserve	reserve	PROPN
ajfa-7687	311	12	bank	bank	PROPN
ajfa-7687	311	13	of	of	ADP
ajfa-7687	311	14	india	india	PROPN
ajfa-7687	311	15	bulletin	bulletin	PROPN
ajfa-7687	311	16	,	,	PUNCT
ajfa-7687	311	17	may	may	AUX
ajfa-7687	311	18	namboodari	namboodari	VERB
ajfa-7687	311	19	tcg	tcg	NOUN
ajfa-7687	311	20	.	.	PUNCT
ajfa-7687	312	1	(	(	PUNCT
ajfa-7687	312	2	2001	2001	NUM
ajfa-7687	312	3	)	)	PUNCT
ajfa-7687	312	4	.	.	PUNCT
ajfa-7687	313	1	npa	npa	NOUN
ajfa-7687	313	2	prevention	prevention	NOUN
ajfa-7687	313	3	is	be	AUX
ajfa-7687	313	4	better	well	ADJ
ajfa-7687	313	5	than	than	ADP
ajfa-7687	313	6	cure	cure	NOUN
ajfa-7687	313	7	.	.	PUNCT
ajfa-7687	314	1	vinimaya	vinimaya	PROPN
ajfa-7687	314	2	,	,	PUNCT
ajfa-7687	314	3	oct	oct	PROPN
ajfa-7687	314	4	-	-	PUNCT
ajfa-7687	314	5	dec	dec	PROPN
ajfa-7687	314	6	,	,	PUNCT
ajfa-7687	314	7	pp19	pp19	PROPN
ajfa-7687	314	8	-	-	PUNCT
ajfa-7687	314	9	23	23	NUM
ajfa-7687	314	10	narasimham	narasimham	NOUN
ajfa-7687	314	11	,	,	PUNCT
ajfa-7687	314	12	m.	m.	NOUN
ajfa-7687	314	13	(	(	PUNCT
ajfa-7687	314	14	1998	1998	NUM
ajfa-7687	314	15	)	)	PUNCT
ajfa-7687	314	16	.	.	PUNCT
ajfa-7687	315	1	report	report	NOUN
ajfa-7687	315	2	of	of	ADP
ajfa-7687	315	3	the	the	DET
ajfa-7687	315	4	committee	committee	NOUN
ajfa-7687	315	5	on	on	ADP
ajfa-7687	315	6	banking	banking	NOUN
ajfa-7687	315	7	sector	sector	NOUN
ajfa-7687	315	8	reforms	reform	NOUN
ajfa-7687	315	9	.	.	PUNCT
ajfa-7687	316	1	ministry	ministry	PROPN
ajfa-7687	316	2	of	of	ADP
ajfa-7687	316	3	finance	finance	PROPN
ajfa-7687	316	4	,	,	PUNCT
ajfa-7687	316	5	new	new	ADJ
ajfa-7687	316	6	delhi	delhi	PROPN
ajfa-7687	316	7	.	.	PUNCT
ajfa-7687	317	1	rajaraman	rajaraman	NOUN
ajfa-7687	317	2	,	,	PUNCT
ajfa-7687	317	3	i.	i.	PROPN
ajfa-7687	317	4	,	,	PUNCT
ajfa-7687	317	5	bhaumik	bhaumik	PROPN
ajfa-7687	317	6	,	,	PUNCT
ajfa-7687	317	7	s.	s.	PROPN
ajfa-7687	317	8	,	,	PUNCT
ajfa-7687	317	9	&	&	CCONJ
ajfa-7687	317	10	bhatia	bhatia	PROPN
ajfa-7687	317	11	,	,	PUNCT
ajfa-7687	317	12	n.	n.	PROPN
ajfa-7687	317	13	(	(	PUNCT
ajfa-7687	317	14	1999	1999	NUM
ajfa-7687	317	15	)	)	PUNCT
ajfa-7687	317	16	.	.	PUNCT
ajfa-7687	318	1	npa	npa	NOUN
ajfa-7687	318	2	variations	variation	NOUN
ajfa-7687	318	3	across	across	ADP
ajfa-7687	318	4	indian	indian	ADJ
ajfa-7687	318	5	commercial	commercial	ADJ
ajfa-7687	318	6	banks	bank	NOUN
ajfa-7687	318	7	:	:	PUNCT
ajfa-7687	318	8	some	some	DET
ajfa-7687	318	9	findings	finding	NOUN
ajfa-7687	318	10	.	.	PUNCT
ajfa-7687	319	1	economic	economic	ADJ
ajfa-7687	319	2	and	and	CCONJ
ajfa-7687	319	3	political	political	ADJ
ajfa-7687	319	4	weekly	weekly	ADJ
ajfa-7687	319	5	,	,	PUNCT
ajfa-7687	319	6	161	161	NUM
ajfa-7687	319	7	-	-	SYM
ajfa-7687	319	8	168	168	NUM
ajfa-7687	319	9	.	.	PUNCT
ajfa-7687	319	10	rajaraman	rajaraman	NOUN
ajfa-7687	319	11	.	.	PUNCT
ajfa-7687	320	1	i.	i.	PROPN
ajfa-7687	320	2	,	,	PUNCT
ajfa-7687	320	3	&	&	CCONJ
ajfa-7687	320	4	vashistha	vashistha	PROPN
ajfa-7687	320	5	.	.	PUNCT
ajfa-7687	321	1	g	g	PROPN
ajfa-7687	321	2	(	(	PUNCT
ajfa-7687	321	3	2002	2002	NUM
ajfa-7687	321	4	)	)	PUNCT
ajfa-7687	321	5	,	,	PUNCT
ajfa-7687	321	6	non	non	ADJ
ajfa-7687	321	7	-	-	ADJ
ajfa-7687	321	8	performing	performing	ADJ
ajfa-7687	321	9	loans	loan	NOUN
ajfa-7687	321	10	of	of	ADP
ajfa-7687	321	11	indian	indian	ADJ
ajfa-7687	321	12	public	public	ADJ
ajfa-7687	321	13	sector	sector	NOUN
ajfa-7687	321	14	banks	bank	NOUN
ajfa-7687	321	15	-	-	PUNCT
ajfa-7687	321	16	some	some	DET
ajfa-7687	321	17	panel	panel	NOUN
ajfa-7687	321	18	results	result	NOUN
ajfa-7687	321	19	,	,	PUNCT
ajfa-7687	321	20	economic	economic	ADJ
ajfa-7687	321	21	&	&	CCONJ
ajfa-7687	321	22	political	political	ADJ
ajfa-7687	321	23	weekly	weekly	ADJ
ajfa-7687	321	24	,	,	PUNCT
ajfa-7687	321	25	february	february	PROPN
ajfa-7687	321	26	ranjan	ranjan	PROPN
ajfa-7687	321	27	and	and	CCONJ
ajfa-7687	321	28	dhal(2003	dhal(2003	NOUN
ajfa-7687	321	29	)	)	PUNCT
ajfa-7687	321	30	,	,	PUNCT
ajfa-7687	321	31	non	non	ADJ
ajfa-7687	321	32	-	-	ADJ
ajfa-7687	321	33	performing	performing	ADJ
ajfa-7687	321	34	loans	loan	NOUN
ajfa-7687	321	35	and	and	CCONJ
ajfa-7687	321	36	terms	term	NOUN
ajfa-7687	321	37	of	of	ADP
ajfa-7687	321	38	credit	credit	NOUN
ajfa-7687	321	39	of	of	ADP
ajfa-7687	321	40	public	public	ADJ
ajfa-7687	321	41	sector	sector	NOUN
ajfa-7687	321	42	banks	bank	NOUN
ajfa-7687	321	43	in	in	ADP
ajfa-7687	321	44	india	india	PROPN
ajfa-7687	321	45	:	:	PUNCT
ajfa-7687	321	46	an	an	DET
ajfa-7687	321	47	empirical	empirical	ADJ
ajfa-7687	321	48	assessment	assessment	NOUN
ajfa-7687	321	49	,	,	PUNCT
ajfa-7687	321	50	rbi	rbi	VERB
ajfa-7687	321	51	occasional	occasional	ADJ
ajfa-7687	321	52	papers	paper	NOUN
ajfa-7687	321	53	,	,	PUNCT
ajfa-7687	321	54	vol	vol	NOUN
ajfa-7687	321	55	.	.	PROPN
ajfa-7687	322	1	24	24	NUM
ajfa-7687	322	2	,	,	PUNCT
ajfa-7687	322	3	no	no	DET
ajfa-7687	322	4	3	3	NUM
ajfa-7687	322	5	asian	asian	ADJ
ajfa-7687	322	6	journal	journal	NOUN
ajfa-7687	322	7	of	of	ADP
ajfa-7687	322	8	finance	finance	PROPN
ajfa-7687	322	9	&	&	CCONJ
ajfa-7687	322	10	accounting	accounting	PROPN
ajfa-7687	322	11	issn	issn	PROPN
ajfa-7687	322	12	1946	1946	NUM
ajfa-7687	322	13	-	-	PUNCT
ajfa-7687	322	14	052x	052x	NOUN
ajfa-7687	322	15	2015	2015	NUM
ajfa-7687	322	16	,	,	PUNCT
ajfa-7687	322	17	vol	vol	NOUN
ajfa-7687	322	18	.	.	PROPN
ajfa-7687	322	19	7	7	NUM
ajfa-7687	322	20	,	,	PUNCT
ajfa-7687	322	21	no	no	INTJ
ajfa-7687	322	22	.	.	NOUN
ajfa-7687	322	23	1	1	NUM
ajfa-7687	322	24	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	322	25	204	204	NUM
ajfa-7687	322	26	rao	rao	NOUN
ajfa-7687	322	27	,	,	PUNCT
ajfa-7687	322	28	katuri	katuri	PROPN
ajfa-7687	322	29	nageshwara	nageshwara	PROPN
ajfa-7687	322	30	(	(	PUNCT
ajfa-7687	322	31	2000	2000	NUM
ajfa-7687	322	32	)	)	PUNCT
ajfa-7687	322	33	,	,	PUNCT
ajfa-7687	322	34	npas	npa	VERB
ajfa-7687	322	35	ground	ground	NOUN
ajfa-7687	322	36	realities	reality	NOUN
ajfa-7687	322	37	,	,	PUNCT
ajfa-7687	322	38	chartered	chartered	ADJ
ajfa-7687	322	39	financial	financial	ADJ
ajfa-7687	322	40	analyst	analyst	NOUN
ajfa-7687	322	41	,	,	PUNCT
ajfa-7687	322	42	5(8	5(8	NUM
ajfa-7687	322	43	)	)	PUNCT
ajfa-7687	322	44	,	,	PUNCT
ajfa-7687	322	45	43	43	NUM
ajfa-7687	322	46	.	.	PUNCT
ajfa-7687	323	1	reddy	reddy	PROPN
ajfa-7687	323	2	,	,	PUNCT
ajfa-7687	323	3	y.	y.	PROPN
ajfa-7687	323	4	v.	v.	PROPN
ajfa-7687	323	5	(	(	PUNCT
ajfa-7687	323	6	2004	2004	NUM
ajfa-7687	323	7	)	)	PUNCT
ajfa-7687	323	8	.	.	PUNCT
ajfa-7687	324	1	credit	credit	NOUN
ajfa-7687	324	2	policy	policy	NOUN
ajfa-7687	324	3	,	,	PUNCT
ajfa-7687	324	4	systems	system	NOUN
ajfa-7687	324	5	and	and	CCONJ
ajfa-7687	324	6	culture	culture	NOUN
ajfa-7687	324	7	.	.	PUNCT
ajfa-7687	325	1	reserve	reserve	PROPN
ajfa-7687	325	2	bank	bank	PROPN
ajfa-7687	325	3	of	of	ADP
ajfa-7687	325	4	india	india	PROPN
ajfa-7687	325	5	bulletin	bulletin	PROPN
ajfa-7687	325	6	,	,	PUNCT
ajfa-7687	325	7	58(3	58(3	NUM
ajfa-7687	325	8	)	)	PUNCT
ajfa-7687	325	9	,	,	PUNCT
ajfa-7687	325	10	303	303	NUM
ajfa-7687	325	11	-	-	SYM
ajfa-7687	325	12	311	311	NUM
ajfa-7687	325	13	.	.	PUNCT
ajfa-7687	325	14	reserve	reserve	PROPN
ajfa-7687	325	15	bank	bank	PROPN
ajfa-7687	325	16	of	of	ADP
ajfa-7687	325	17	india	india	PROPN
ajfa-7687	325	18	.	.	PUNCT
ajfa-7687	326	1	(	(	PUNCT
ajfa-7687	326	2	2013	2013	NUM
ajfa-7687	326	3	)	)	PUNCT
ajfa-7687	326	4	.	.	PUNCT
ajfa-7687	327	1	report	report	NOUN
ajfa-7687	327	2	on	on	ADP
ajfa-7687	327	3	banking	bank	VERB
ajfa-7687	327	4	statistical	statistical	ADJ
ajfa-7687	327	5	returns	return	NOUN
ajfa-7687	327	6	,	,	PUNCT
ajfa-7687	327	7	mumbai	mumbai	PROPN
ajfa-7687	327	8	reserve	reserve	PROPN
ajfa-7687	327	9	bank	bank	PROPN
ajfa-7687	327	10	of	of	ADP
ajfa-7687	327	11	india	india	PROPN
ajfa-7687	327	12	.	.	PUNCT
ajfa-7687	328	1	(	(	PUNCT
ajfa-7687	328	2	2013	2013	NUM
ajfa-7687	328	3	)	)	PUNCT
ajfa-7687	328	4	.	.	PUNCT
ajfa-7687	329	1	report	report	NOUN
ajfa-7687	329	2	on	on	ADP
ajfa-7687	329	3	trends	trend	NOUN
ajfa-7687	329	4	and	and	CCONJ
ajfa-7687	329	5	progress	progress	NOUN
ajfa-7687	329	6	of	of	ADP
ajfa-7687	329	7	banking	banking	NOUN
ajfa-7687	329	8	in	in	ADP
ajfa-7687	329	9	india	india	PROPN
ajfa-7687	329	10	,	,	PUNCT
ajfa-7687	329	11	mumbai	mumbai	PROPN
ajfa-7687	329	12	salas	salas	PROPN
ajfa-7687	329	13	,	,	PUNCT
ajfa-7687	329	14	v.	v.	PROPN
ajfa-7687	329	15	,	,	PUNCT
ajfa-7687	329	16	&	&	CCONJ
ajfa-7687	329	17	j.	j.	PROPN
ajfa-7687	329	18	,	,	PUNCT
ajfa-7687	329	19	saurina	saurina	PROPN
ajfa-7687	329	20	.	.	PUNCT
ajfa-7687	330	1	(	(	PUNCT
ajfa-7687	330	2	2002	2002	NUM
ajfa-7687	330	3	)	)	PUNCT
ajfa-7687	330	4	.	.	PUNCT
ajfa-7687	331	1	credit	credit	NOUN
ajfa-7687	331	2	risk	risk	NOUN
ajfa-7687	331	3	in	in	ADP
ajfa-7687	331	4	two	two	NUM
ajfa-7687	331	5	institutional	institutional	ADJ
ajfa-7687	331	6	regimes	regime	NOUN
ajfa-7687	331	7	:	:	PUNCT
ajfa-7687	331	8	spanish	spanish	ADJ
ajfa-7687	331	9	commercial	commercial	ADJ
ajfa-7687	331	10	and	and	CCONJ
ajfa-7687	331	11	savings	saving	NOUN
ajfa-7687	331	12	banks	bank	NOUN
ajfa-7687	331	13	.	.	PUNCT
ajfa-7687	332	1	journal	journal	PROPN
ajfa-7687	332	2	of	of	ADP
ajfa-7687	332	3	financial	financial	ADJ
ajfa-7687	332	4	services	service	NOUN
ajfa-7687	332	5	research	research	NOUN
ajfa-7687	332	6	,	,	PUNCT
ajfa-7687	332	7	22	22	NUM
ajfa-7687	332	8	,	,	PUNCT
ajfa-7687	332	9	203	203	NUM
ajfa-7687	332	10	-	-	SYM
ajfa-7687	332	11	224	224	NUM
ajfa-7687	332	12	.	.	PUNCT
ajfa-7687	333	1	http://dx.doi.org/10.1023/a:1019781109676	http://dx.doi.org/10.1023/a:1019781109676	PROPN
ajfa-7687	333	2	shaker	shaker	PROPN
ajfa-7687	333	3	f.	f.	PROPN
ajfa-7687	333	4	(	(	PUNCT
ajfa-7687	333	5	2003	2003	NUM
ajfa-7687	333	6	)	)	PUNCT
ajfa-7687	333	7	.	.	PUNCT
ajfa-7687	334	1	reduction	reduction	NOUN
ajfa-7687	334	2	of	of	ADP
ajfa-7687	334	3	npaskey	npaskey	NOUN
ajfa-7687	334	4	to	to	ADP
ajfa-7687	334	5	banking	banking	NOUN
ajfa-7687	334	6	reforms	reform	NOUN
ajfa-7687	334	7	,	,	PUNCT
ajfa-7687	334	8	yojana	yojana	PROPN
ajfa-7687	334	9	,	,	PUNCT
ajfa-7687	334	10	october	october	PROPN
ajfa-7687	334	11	shinde	shinde	PROPN
ajfa-7687	334	12	s.r	s.r	PROPN
ajfa-7687	334	13	.	.	PROPN
ajfa-7687	334	14	,	,	PUNCT
ajfa-7687	334	15	&	&	CCONJ
ajfa-7687	334	16	kaveri	kaveri	PROPN
ajfa-7687	334	17	v.s.	v.s.	PROPN
ajfa-7687	334	18	(	(	PUNCT
ajfa-7687	334	19	1992	1992	NUM
ajfa-7687	334	20	)	)	PUNCT
ajfa-7687	334	21	.	.	PUNCT
ajfa-7687	335	1	management	management	NOUN
ajfa-7687	335	2	of	of	ADP
ajfa-7687	335	3	non	non	ADJ
ajfa-7687	335	4	performing	perform	VERB
ajfa-7687	335	5	assets	asset	NOUN
ajfa-7687	335	6	,	,	PUNCT
ajfa-7687	335	7	journal	journal	NOUN
ajfa-7687	335	8	of	of	ADP
ajfa-7687	335	9	indian	indian	PROPN
ajfa-7687	335	10	institute	institute	PROPN
ajfa-7687	335	11	of	of	ADP
ajfa-7687	335	12	bankers	bankers	PROPN
ajfa-7687	335	13	,	,	PUNCT
ajfa-7687	335	14	april	april	PROPN
ajfa-7687	335	15	-	-	PUNCT
ajfa-7687	335	16	june	june	PROPN
ajfa-7687	335	17	sood	sood	PROPN
ajfa-7687	335	18	a.	a.	PROPN
ajfa-7687	335	19	(	(	PUNCT
ajfa-7687	335	20	2001	2001	NUM
ajfa-7687	335	21	)	)	PUNCT
ajfa-7687	335	22	.	.	PUNCT
ajfa-7687	336	1	non	non	ADJ
ajfa-7687	336	2	performing	perform	VERB
ajfa-7687	336	3	assets	asset	NOUN
ajfa-7687	336	4	in	in	ADP
ajfa-7687	336	5	public	public	ADJ
ajfa-7687	336	6	sector	sector	NOUN
ajfa-7687	336	7	banksanalysis	banksanalysis	NOUN
ajfa-7687	336	8	of	of	ADP
ajfa-7687	336	9	causes	cause	NOUN
ajfa-7687	336	10	and	and	CCONJ
ajfa-7687	336	11	solutions	solution	NOUN
ajfa-7687	336	12	thereof	thereof	ADV
ajfa-7687	336	13	,	,	PUNCT
ajfa-7687	336	14	indian	indian	ADJ
ajfa-7687	336	15	banks	banks	PROPN
ajfa-7687	336	16	association	association	PROPN
ajfa-7687	336	17	bulletin	bulletin	PROPN
ajfa-7687	336	18	,	,	PUNCT
ajfa-7687	336	19	july	july	PROPN
ajfa-7687	336	20	,	,	PUNCT
ajfa-7687	336	21	pp16	pp16	PROPN
ajfa-7687	336	22	-	-	PUNCT
ajfa-7687	336	23	21	21	NUM
ajfa-7687	336	24	stavros	stavros	PROPN
ajfa-7687	336	25	h.	h.	PROPN
ajfa-7687	336	26	arvanitis	arvanitis	PROPN
ajfa-7687	336	27	,	,	PUNCT
ajfa-7687	336	28	irakleia	irakleia	PROPN
ajfa-7687	336	29	s.	s.	PROPN
ajfa-7687	336	30	tzigkounaki	tzigkounaki	PROPN
ajfa-7687	336	31	,	,	PUNCT
ajfa-7687	336	32	theodoros	theodoro	NOUN
ajfa-7687	336	33	v.	v.	ADP
ajfa-7687	336	34	stamatopoulos	stamatopoulos	PROPN
ajfa-7687	336	35	,	,	PUNCT
ajfa-7687	336	36	&	&	CCONJ
ajfa-7687	336	37	eleftherios	eleftherio	NOUN
ajfa-7687	336	38	i.	i.	PROPN
ajfa-7687	336	39	thalassinos	thalassinos	PROPN
ajfa-7687	336	40	.	.	PUNCT
ajfa-7687	337	1	(	(	PUNCT
ajfa-7687	337	2	2011	2011	NUM
ajfa-7687	337	3	)	)	PUNCT
ajfa-7687	337	4	.	.	PUNCT
ajfa-7687	338	1	dynamic	dynamic	ADJ
ajfa-7687	338	2	approach	approach	NOUN
ajfa-7687	338	3	of	of	ADP
ajfa-7687	338	4	capital	capital	NOUN
ajfa-7687	338	5	structure	structure	NOUN
ajfa-7687	338	6	of	of	ADP
ajfa-7687	338	7	european	european	ADJ
ajfa-7687	338	8	shipping	shipping	NOUN
ajfa-7687	338	9	companies	company	NOUN
ajfa-7687	338	10	.	.	PUNCT
ajfa-7687	339	1	international	international	ADJ
ajfa-7687	339	2	journal	journal	PROPN
ajfa-7687	339	3	of	of	ADP
ajfa-7687	339	4	economic	economic	ADJ
ajfa-7687	339	5	sciences	science	NOUN
ajfa-7687	339	6	and	and	CCONJ
ajfa-7687	339	7	applied	apply	VERB
ajfa-7687	339	8	research	research	NOUN
ajfa-7687	339	9	,	,	PUNCT
ajfa-7687	339	10	5(3	5(3	NUM
ajfa-7687	339	11	)	)	PUNCT
ajfa-7687	339	12	,	,	PUNCT
ajfa-7687	339	13	33	33	NUM
ajfa-7687	339	14	-	-	SYM
ajfa-7687	339	15	63	63	NUM
ajfa-7687	339	16	thiagarajan	thiagarajan	NOUN
ajfa-7687	339	17	,	,	PUNCT
ajfa-7687	339	18	somanadevi	somanadevi	NOUN
ajfa-7687	339	19	,	,	PUNCT
ajfa-7687	339	20	ayyappan	ayyappan	PROPN
ajfa-7687	339	21	,	,	PUNCT
ajfa-7687	339	22	s.	s.	PROPN
ajfa-7687	339	23	,	,	PUNCT
ajfa-7687	339	24	&	&	CCONJ
ajfa-7687	339	25	ramachandran	ramachandran	PROPN
ajfa-7687	339	26	,	,	PUNCT
ajfa-7687	339	27	a.	a.	NOUN
ajfa-7687	339	28	(	(	PUNCT
ajfa-7687	339	29	2011	2011	NUM
ajfa-7687	339	30	)	)	PUNCT
ajfa-7687	339	31	.	.	PUNCT
ajfa-7687	340	1	credit	credit	NOUN
ajfa-7687	340	2	risk	risk	NOUN
ajfa-7687	340	3	determinants	determinant	NOUN
ajfa-7687	340	4	of	of	ADP
ajfa-7687	340	5	public	public	ADJ
ajfa-7687	340	6	and	and	CCONJ
ajfa-7687	340	7	private	private	ADJ
ajfa-7687	340	8	sector	sector	NOUN
ajfa-7687	340	9	banks	bank	NOUN
ajfa-7687	340	10	in	in	ADP
ajfa-7687	340	11	india	india	PROPN
ajfa-7687	340	12	,	,	PUNCT
ajfa-7687	340	13	european	european	PROPN
ajfa-7687	340	14	journal	journal	PROPN
ajfa-7687	340	15	of	of	ADP
ajfa-7687	340	16	economics	economic	NOUN
ajfa-7687	340	17	,	,	PUNCT
ajfa-7687	340	18	finance	finance	NOUN
ajfa-7687	340	19	&	&	CCONJ
ajfa-7687	340	20	administrative	administrative	PROPN
ajfa-7687	340	21	sciences	sciences	PROPN
ajfa-7687	340	22	,	,	PUNCT
ajfa-7687	340	23	34	34	NUM
ajfa-7687	340	24	,	,	PUNCT
ajfa-7687	340	25	147	147	NUM
ajfa-7687	340	26	wooldridge	wooldridge	PROPN
ajfa-7687	340	27	,	,	PUNCT
ajfa-7687	340	28	j.m	j.m	PROPN
ajfa-7687	340	29	.	.	PROPN
ajfa-7687	340	30	(	(	PUNCT
ajfa-7687	340	31	2006	2006	NUM
ajfa-7687	340	32	)	)	PUNCT
ajfa-7687	340	33	.	.	PUNCT
ajfa-7687	341	1	introduction	introduction	NOUN
ajfa-7687	341	2	to	to	ADP
ajfa-7687	341	3	econometrics	econometrics	PROPN
ajfa-7687	341	4	,	,	PUNCT
ajfa-7687	341	5	β	β	X
ajfa-7687	341	6	,	,	PUNCT
ajfa-7687	341	7	athens	athens	PROPN
ajfa-7687	341	8	:	:	PUNCT
ajfa-7687	341	9	edition	edition	NOUN
ajfa-7687	341	10	papazisi	papazisi	PROPN
ajfa-7687	341	11	world	world	PROPN
ajfa-7687	341	12	bank	bank	PROPN
ajfa-7687	341	13	group	group	NOUN
ajfa-7687	341	14	(	(	PUNCT
ajfa-7687	341	15	ed	ed	NOUN
ajfa-7687	341	16	.	.	PUNCT
ajfa-7687	341	17	)	)	PUNCT
ajfa-7687	341	18	.	.	PUNCT
ajfa-7687	342	1	(	(	PUNCT
ajfa-7687	342	2	2014	2014	NUM
ajfa-7687	342	3	)	)	PUNCT
ajfa-7687	342	4	.	.	PUNCT
ajfa-7687	343	1	world	world	NOUN
ajfa-7687	343	2	development	development	NOUN
ajfa-7687	343	3	indicators	indicator	NOUN
ajfa-7687	343	4	2014	2014	NUM
ajfa-7687	343	5	.	.	PUNCT
ajfa-7687	344	1	world	world	PROPN
ajfa-7687	344	2	bank	bank	PROPN
ajfa-7687	344	3	publications	publication	NOUN
ajfa-7687	344	4	.	.	PUNCT
ajfa-7687	344	5	available	available	ADJ
ajfa-7687	344	6	at	at	ADP
ajfa-7687	344	7	:	:	PUNCT
ajfa-7687	344	8	http://data.worldbank.org	http://data.worldbank.org	NOUN
ajfa-7687	344	9	/	/	SYM
ajfa-7687	344	10	indicator	indicator	NOUN
ajfa-7687	344	11	/	/	SYM
ajfa-7687	344	12	fb.ast.nper.zs?order	fb.ast.nper.zs?order	NOUN
ajfa-7687	344	13	=	=	SYM
ajfa-7687	344	14	wbapi_data_value_2013%20	wbapi_data_value_2013%20	NOUN
ajfa-7687	344	15	wbapi_data_value%20wbapi_data_value	wbapi_data_value%20wbapi_data_value	PROPN
ajfa-7687	344	16	-	-	PUNCT
ajfa-7687	344	17	last&sort	last&sort	NOUN
ajfa-7687	344	18	=	=	NOUN
ajfa-7687	344	19	asc	asc	PROPN
ajfa-7687	344	20	appendix	appendix	VERB
ajfa-7687	344	21	1	1	NUM
ajfa-7687	344	22	concept	concept	NOUN
ajfa-7687	344	23	of	of	ADP
ajfa-7687	344	24	non	non	ADJ
ajfa-7687	344	25	performing	perform	VERB
ajfa-7687	344	26	assets	asset	NOUN
ajfa-7687	344	27	the	the	DET
ajfa-7687	344	28	concept	concept	NOUN
ajfa-7687	344	29	of	of	ADP
ajfa-7687	344	30	npas	npas	PROPN
ajfa-7687	344	31	dates	date	VERB
ajfa-7687	344	32	back	back	ADV
ajfa-7687	344	33	to	to	ADP
ajfa-7687	344	34	the	the	DET
ajfa-7687	344	35	banking	banking	NOUN
ajfa-7687	344	36	sector	sector	NOUN
ajfa-7687	344	37	reforms	reform	NOUN
ajfa-7687	344	38	.	.	PUNCT
ajfa-7687	345	1	the	the	DET
ajfa-7687	345	2	term	term	NOUN
ajfa-7687	345	3	nonperforming	nonperforme	VERB
ajfa-7687	345	4	asset	asset	NOUN
ajfa-7687	345	5	was	be	AUX
ajfa-7687	345	6	coined	coin	VERB
ajfa-7687	345	7	by	by	ADP
ajfa-7687	345	8	the	the	DET
ajfa-7687	345	9	narasimham	narasimham	PROPN
ajfa-7687	345	10	committee	committee	NOUN
ajfa-7687	345	11	i	i	PRON
ajfa-7687	345	12	in	in	ADP
ajfa-7687	345	13	1991	1991	NUM
ajfa-7687	345	14	.	.	PUNCT
ajfa-7687	346	1	it	it	PRON
ajfa-7687	346	2	classified	classify	VERB
ajfa-7687	346	3	npas	npa	NOUN
ajfa-7687	346	4	into	into	ADP
ajfa-7687	346	5	three	three	NUM
ajfa-7687	346	6	categories	category	NOUN
ajfa-7687	346	7	viz	viz	PROPN
ajfa-7687	346	8	.	.	PUNCT
ajfa-7687	347	1	a.	a.	PROPN
ajfa-7687	347	2	substandard	substandard	PROPN
ajfa-7687	347	3	assets	asset	NOUN
ajfa-7687	347	4	.	.	PUNCT
ajfa-7687	348	1	b.	b.	PROPN
ajfa-7687	348	2	doubtful	doubtful	ADJ
ajfa-7687	348	3	assets	asset	NOUN
ajfa-7687	348	4	and	and	CCONJ
ajfa-7687	348	5	c.	c.	NOUN
ajfa-7687	348	6	loss	loss	NOUN
ajfa-7687	348	7	assets	asset	NOUN
ajfa-7687	348	8	,	,	PUNCT
ajfa-7687	348	9	based	base	VERB
ajfa-7687	348	10	on	on	ADP
ajfa-7687	348	11	the	the	DET
ajfa-7687	348	12	time	time	NOUN
ajfa-7687	348	13	period	period	NOUN
ajfa-7687	348	14	of	of	ADP
ajfa-7687	348	15	default	default	NOUN
ajfa-7687	348	16	.	.	PUNCT
ajfa-7687	349	1	in	in	ADP
ajfa-7687	349	2	1995	1995	NUM
ajfa-7687	349	3	,	,	PUNCT
ajfa-7687	349	4	according	accord	VERB
ajfa-7687	349	5	to	to	ADP
ajfa-7687	349	6	rbi	rbi	NOUN
ajfa-7687	349	7	,	,	PUNCT
ajfa-7687	349	8	if	if	SCONJ
ajfa-7687	349	9	the	the	DET
ajfa-7687	349	10	interest	interest	NOUN
ajfa-7687	349	11	/	/	SYM
ajfa-7687	349	12	installment	installment	NOUN
ajfa-7687	349	13	of	of	ADP
ajfa-7687	349	14	the	the	DET
ajfa-7687	349	15	principal	principal	NOUN
ajfa-7687	349	16	has	have	AUX
ajfa-7687	349	17	remained	remain	VERB
ajfa-7687	349	18	‘	'	PUNCT
ajfa-7687	349	19	past	past	ADJ
ajfa-7687	349	20	due	due	ADJ
ajfa-7687	349	21	’	'	PUNCT
ajfa-7687	349	22	for	for	ADP
ajfa-7687	349	23	a	a	DET
ajfa-7687	349	24	specific	specific	ADJ
ajfa-7687	349	25	period	period	NOUN
ajfa-7687	349	26	of	of	ADP
ajfa-7687	349	27	time	time	NOUN
ajfa-7687	349	28	,	,	PUNCT
ajfa-7687	349	29	it	it	PRON
ajfa-7687	349	30	is	be	AUX
ajfa-7687	349	31	called	call	VERB
ajfa-7687	349	32	a	a	DET
ajfa-7687	349	33	npa	npa	NOUN
ajfa-7687	349	34	.	.	PUNCT
ajfa-7687	350	1	nonperforming	nonperforme	VERB
ajfa-7687	350	2	asset	asset	NOUN
ajfa-7687	350	3	is	be	AUX
ajfa-7687	350	4	one	one	NUM
ajfa-7687	350	5	where	where	SCONJ
ajfa-7687	350	6	interest	interest	NOUN
ajfa-7687	350	7	or	or	CCONJ
ajfa-7687	350	8	repayment	repayment	NOUN
ajfa-7687	350	9	of	of	ADP
ajfa-7687	350	10	installment	installment	NOUN
ajfa-7687	350	11	has	have	AUX
ajfa-7687	350	12	not	not	PART
ajfa-7687	350	13	been	be	AUX
ajfa-7687	350	14	made	make	VERB
ajfa-7687	350	15	within	within	ADP
ajfa-7687	350	16	sevenying	sevenying	NOUN
ajfa-7687	350	17	default	default	NOUN
ajfa-7687	350	18	has	have	AUX
ajfa-7687	350	19	been	be	AUX
ajfa-7687	350	20	revised	revise	VERB
ajfa-7687	350	21	from	from	ADP
ajfa-7687	350	22	time	time	NOUN
ajfa-7687	350	23	to	to	ADP
ajfa-7687	350	24	time	time	NOUN
ajfa-7687	350	25	,	,	PUNCT
ajfa-7687	350	26	in	in	ADP
ajfa-7687	350	27	order	order	NOUN
ajfa-7687	350	28	to	to	PART
ajfa-7687	350	29	align	align	VERB
ajfa-7687	350	30	the	the	DET
ajfa-7687	350	31	indian	indian	ADJ
ajfa-7687	350	32	accounting	accounting	NOUN
ajfa-7687	350	33	standards	standard	NOUN
ajfa-7687	350	34	to	to	ADP
ajfa-7687	350	35	the	the	DET
ajfa-7687	350	36	international	international	ADJ
ajfa-7687	350	37	standards	standard	NOUN
ajfa-7687	350	38	.	.	PUNCT
ajfa-7687	351	1	the	the	DET
ajfa-7687	351	2	changes	change	NOUN
ajfa-7687	351	3	in	in	ADP
ajfa-7687	351	4	the	the	DET
ajfa-7687	351	5	time	time	NOUN
ajfa-7687	351	6	period	period	NOUN
ajfa-7687	351	7	for	for	ADP
ajfa-7687	351	8	recognizing	recognize	VERB
ajfa-7687	351	9	npas	npa	NOUN
ajfa-7687	351	10	have	have	AUX
ajfa-7687	351	11	been	be	AUX
ajfa-7687	351	12	shown	show	VERB
ajfa-7687	351	13	in	in	ADP
ajfa-7687	351	14	the	the	DET
ajfa-7687	351	15	table	table	NOUN
ajfa-7687	351	16	1	1	NUM
ajfa-7687	351	17	.	.	PUNCT
ajfa-7687	351	18	asian	asian	ADJ
ajfa-7687	351	19	journal	journal	PROPN
ajfa-7687	351	20	of	of	ADP
ajfa-7687	351	21	finance	finance	PROPN
ajfa-7687	351	22	&	&	CCONJ
ajfa-7687	351	23	accounting	accounting	PROPN
ajfa-7687	351	24	issn	issn	PROPN
ajfa-7687	351	25	1946	1946	NUM
ajfa-7687	351	26	-	-	PUNCT
ajfa-7687	351	27	052x	052x	NOUN
ajfa-7687	351	28	2015	2015	NUM
ajfa-7687	351	29	,	,	PUNCT
ajfa-7687	351	30	vol	vol	NOUN
ajfa-7687	351	31	.	.	PROPN
ajfa-7687	352	1	7	7	NUM
ajfa-7687	352	2	,	,	PUNCT
ajfa-7687	352	3	no	no	INTJ
ajfa-7687	352	4	.	.	NOUN
ajfa-7687	352	5	1	1	NUM
ajfa-7687	352	6	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NUM
ajfa-7687	352	7	205	205	NUM
ajfa-7687	352	8	table	table	NOUN
ajfa-7687	352	9	1	1	NUM
ajfa-7687	352	10	.	.	PUNCT
ajfa-7687	353	1	changing	change	VERB
ajfa-7687	353	2	past	past	ADJ
ajfa-7687	353	3	due	due	ADJ
ajfa-7687	353	4	period	period	NOUN
ajfa-7687	353	5	for	for	ADP
ajfa-7687	353	6	determining	determine	VERB
ajfa-7687	353	7	npas	npas	NOUN
ajfa-7687	353	8	year	year	NOUN
ajfa-7687	353	9	specific	specific	ADJ
ajfa-7687	353	10	period	period	NOUN
ajfa-7687	353	11	1994	1994	NUM
ajfa-7687	353	12	3	3	NUM
ajfa-7687	353	13	quarters	quarter	NOUN
ajfa-7687	353	14	i.e.	i.e.	X
ajfa-7687	353	15	270	270	NUM
ajfa-7687	353	16	days	day	NOUN
ajfa-7687	353	17	(	(	PUNCT
ajfa-7687	353	18	past	past	ADJ
ajfa-7687	353	19	due	due	ADJ
ajfa-7687	353	20	)	)	PUNCT
ajfa-7687	353	21	1995	1995	NUM
ajfa-7687	353	22	2	2	NUM
ajfa-7687	353	23	quarters	quarter	NOUN
ajfa-7687	353	24	i.e.	i.e.	X
ajfa-7687	353	25	180	180	NUM
ajfa-7687	353	26	days	day	NOUN
ajfa-7687	353	27	(	(	PUNCT
ajfa-7687	353	28	past	past	ADJ
ajfa-7687	353	29	due	due	ADJ
ajfa-7687	353	30	)	)	PUNCT
ajfa-7687	353	31	2000	2000	NUM
ajfa-7687	353	32	1	1	NUM
ajfa-7687	353	33	quarters	quarter	NOUN
ajfa-7687	353	34	i.e.	i.e.	X
ajfa-7687	353	35	90	90	NUM
ajfa-7687	353	36	days	day	NOUN
ajfa-7687	353	37	(	(	PUNCT
ajfa-7687	353	38	past	past	ADJ
ajfa-7687	353	39	due	due	ADJ
ajfa-7687	353	40	)	)	PUNCT
ajfa-7687	353	41	2004	2004	NUM
ajfa-7687	353	42	1	1	NUM
ajfa-7687	353	43	quarters	quarter	NOUN
ajfa-7687	353	44	i.e.	i.e.	X
ajfa-7687	353	45	90	90	NUM
ajfa-7687	353	46	days	day	NOUN
ajfa-7687	353	47	(	(	PUNCT
ajfa-7687	353	48	without	without	ADP
ajfa-7687	353	49	past	past	ADJ
ajfa-7687	353	50	due	due	ADJ
ajfa-7687	353	51	)	)	PUNCT
ajfa-7687	353	52	source	source	NOUN
ajfa-7687	353	53	:	:	PUNCT
ajfa-7687	353	54	compilation	compilation	NOUN
ajfa-7687	353	55	by	by	ADP
ajfa-7687	353	56	authors	author	NOUN
ajfa-7687	353	57	thus	thus	ADV
ajfa-7687	353	58	,	,	PUNCT
ajfa-7687	353	59	from	from	ADP
ajfa-7687	353	60	the	the	DET
ajfa-7687	353	61	norm	norm	NOUN
ajfa-7687	353	62	of	of	ADP
ajfa-7687	353	63	classifying	classify	VERB
ajfa-7687	353	64	only	only	ADV
ajfa-7687	353	65	those	those	DET
ajfa-7687	353	66	assets	asset	NOUN
ajfa-7687	353	67	as	as	ADP
ajfa-7687	353	68	non	non	ADJ
ajfa-7687	353	69	performing	performing	NOUN
ajfa-7687	353	70	which	which	PRON
ajfa-7687	353	71	are	be	AUX
ajfa-7687	353	72	four	four	NUM
ajfa-7687	353	73	quarters	quarter	NOUN
ajfa-7687	353	74	past	past	ADJ
ajfa-7687	353	75	due	due	ADJ
ajfa-7687	353	76	and	and	CCONJ
ajfa-7687	353	77	which	which	PRON
ajfa-7687	353	78	was	be	AUX
ajfa-7687	353	79	applicable	applicable	ADJ
ajfa-7687	353	80	until	until	ADP
ajfa-7687	353	81	1993	1993	NUM
ajfa-7687	353	82	,	,	PUNCT
ajfa-7687	353	83	rbi	rbi	NOUN
ajfa-7687	353	84	moved	move	VERB
ajfa-7687	353	85	to	to	ADP
ajfa-7687	353	86	the	the	DET
ajfa-7687	353	87	norm	norm	NOUN
ajfa-7687	353	88	of	of	ADP
ajfa-7687	353	89	three	three	NUM
ajfa-7687	353	90	quarters	quarter	NOUN
ajfa-7687	353	91	past	past	ADJ
ajfa-7687	353	92	due	due	ADJ
ajfa-7687	353	93	in	in	ADP
ajfa-7687	353	94	1994	1994	NUM
ajfa-7687	353	95	and	and	CCONJ
ajfa-7687	353	96	then	then	ADV
ajfa-7687	353	97	to	to	ADP
ajfa-7687	353	98	two	two	NUM
ajfa-7687	353	99	quarters	quarter	NOUN
ajfa-7687	353	100	(	(	PUNCT
ajfa-7687	353	101	180	180	NUM
ajfa-7687	353	102	days	day	NOUN
ajfa-7687	353	103	)	)	PUNCT
ajfa-7687	353	104	past	past	ADJ
ajfa-7687	353	105	due	due	ADP
ajfa-7687	353	106	in	in	ADP
ajfa-7687	353	107	1995	1995	NUM
ajfa-7687	353	108	.	.	PUNCT
ajfa-7687	354	1	in	in	ADP
ajfa-7687	354	2	2001	2001	NUM
ajfa-7687	354	3	,	,	PUNCT
ajfa-7687	354	4	rbi	rbi	NOUN
ajfa-7687	354	5	reduced	reduce	VERB
ajfa-7687	354	6	this	this	PRON
ajfa-7687	354	7	further	far	ADV
ajfa-7687	354	8	by	by	ADP
ajfa-7687	354	9	removing	remove	VERB
ajfa-7687	354	10	the	the	DET
ajfa-7687	354	11	past	past	ADJ
ajfa-7687	354	12	due	due	ADJ
ajfa-7687	354	13	concept	concept	NOUN
ajfa-7687	354	14	.	.	PUNCT
ajfa-7687	355	1	the	the	DET
ajfa-7687	355	2	90	90	NUM
ajfa-7687	355	3	days	day	NOUN
ajfa-7687	355	4	norm	norm	NOUN
ajfa-7687	355	5	comes	come	VERB
ajfa-7687	355	6	into	into	ADP
ajfa-7687	355	7	force	force	NOUN
ajfa-7687	355	8	with	with	ADP
ajfa-7687	355	9	effect	effect	NOUN
ajfa-7687	355	10	from	from	ADP
ajfa-7687	355	11	march	march	PROPN
ajfa-7687	355	12	31	31	NUM
ajfa-7687	355	13	,	,	PUNCT
ajfa-7687	355	14	2004	2004	NUM
ajfa-7687	355	15	.	.	PUNCT
ajfa-7687	356	1	according	accord	VERB
ajfa-7687	356	2	to	to	ADP
ajfa-7687	356	3	securtisation	securtisation	NOUN
ajfa-7687	356	4	and	and	CCONJ
ajfa-7687	356	5	reconstruction	reconstruction	NOUN
ajfa-7687	356	6	of	of	ADP
ajfa-7687	356	7	financial	financial	ADJ
ajfa-7687	356	8	assets	asset	NOUN
ajfa-7687	356	9	and	and	CCONJ
ajfa-7687	356	10	enforcement	enforcement	NOUN
ajfa-7687	356	11	of	of	ADP
ajfa-7687	356	12	security	security	NOUN
ajfa-7687	356	13	interest	interest	NOUN
ajfa-7687	356	14	ordinance	ordinance	NOUN
ajfa-7687	356	15	,	,	PUNCT
ajfa-7687	356	16	2002	2002	NUM
ajfa-7687	356	17	,	,	PUNCT
ajfa-7687	356	18	non	non	ADJ
ajfa-7687	356	19	performing	perform	VERB
ajfa-7687	356	20	asset	asset	NOUN
ajfa-7687	356	21	means	mean	VERB
ajfa-7687	356	22	“	"	PUNCT
ajfa-7687	356	23	an	an	DET
ajfa-7687	356	24	asset	asset	NOUN
ajfa-7687	356	25	or	or	CCONJ
ajfa-7687	356	26	account	account	NOUN
ajfa-7687	356	27	of	of	ADP
ajfa-7687	356	28	a	a	DET
ajfa-7687	356	29	borrower	borrower	NOUN
ajfa-7687	356	30	which	which	PRON
ajfa-7687	356	31	has	have	AUX
ajfa-7687	356	32	been	be	AUX
ajfa-7687	356	33	classified	classify	VERB
ajfa-7687	356	34	by	by	ADP
ajfa-7687	356	35	a	a	DET
ajfa-7687	356	36	bank	bank	NOUN
ajfa-7687	356	37	or	or	CCONJ
ajfa-7687	356	38	financial	financial	ADJ
ajfa-7687	356	39	institution	institution	NOUN
ajfa-7687	356	40	as	as	ADP
ajfa-7687	356	41	substandard	substandard	ADJ
ajfa-7687	356	42	,	,	PUNCT
ajfa-7687	356	43	doubtful	doubtful	ADJ
ajfa-7687	356	44	or	or	CCONJ
ajfa-7687	356	45	loss	loss	NOUN
ajfa-7687	356	46	asset	asset	NOUN
ajfa-7687	356	47	”	"	PUNCT
ajfa-7687	356	48	.	.	PUNCT
ajfa-7687	357	1	thus	thus	ADV
ajfa-7687	357	2	,	,	PUNCT
ajfa-7687	357	3	the	the	DET
ajfa-7687	357	4	definition	definition	NOUN
ajfa-7687	357	5	of	of	ADP
ajfa-7687	357	6	npas	npas	PROPN
ajfa-7687	357	7	was	be	AUX
ajfa-7687	357	8	clearly	clearly	ADV
ajfa-7687	357	9	spelt	spell	VERB
ajfa-7687	357	10	out	out	ADP
ajfa-7687	357	11	in	in	ADP
ajfa-7687	357	12	1993	1993	NUM
ajfa-7687	357	13	.	.	PUNCT
ajfa-7687	358	1	but	but	CCONJ
ajfa-7687	358	2	the	the	DET
ajfa-7687	358	3	time	time	NOUN
ajfa-7687	358	4	period	period	NOUN
ajfa-7687	358	5	has	have	AUX
ajfa-7687	358	6	been	be	AUX
ajfa-7687	358	7	gradually	gradually	ADV
ajfa-7687	358	8	revised	revise	VERB
ajfa-7687	358	9	from	from	ADP
ajfa-7687	358	10	time	time	NOUN
ajfa-7687	358	11	to	to	ADP
ajfa-7687	358	12	time	time	NOUN
ajfa-7687	358	13	,	,	PUNCT
ajfa-7687	358	14	starting	start	VERB
ajfa-7687	358	15	from	from	ADP
ajfa-7687	358	16	360	360	NUM
ajfa-7687	358	17	days	day	NOUN
ajfa-7687	358	18	default	default	NOUN
ajfa-7687	358	19	to	to	ADP
ajfa-7687	358	20	90	90	NUM
ajfa-7687	358	21	days	day	NOUN
ajfa-7687	358	22	deadline	deadline	NOUN
ajfa-7687	358	23	by	by	ADP
ajfa-7687	358	24	the	the	DET
ajfa-7687	358	25	year	year	NOUN
ajfa-7687	358	26	2004	2004	NUM
ajfa-7687	358	27	.	.	PUNCT
ajfa-7687	359	1	assets	asset	NOUN
ajfa-7687	359	2	that	that	PRON
ajfa-7687	359	3	generate	generate	VERB
ajfa-7687	359	4	income	income	NOUN
ajfa-7687	359	5	for	for	ADP
ajfa-7687	359	6	the	the	DET
ajfa-7687	359	7	bank	bank	NOUN
ajfa-7687	359	8	,	,	PUNCT
ajfa-7687	359	9	that	that	ADV
ajfa-7687	359	10	is	is	ADV
ajfa-7687	359	11	,	,	PUNCT
ajfa-7687	359	12	non	non	ADJ
ajfa-7687	359	13	npas	npa	NOUN
ajfa-7687	359	14	,	,	PUNCT
ajfa-7687	359	15	are	be	AUX
ajfa-7687	359	16	known	know	VERB
ajfa-7687	359	17	as	as	ADP
ajfa-7687	359	18	standard	standard	ADJ
ajfa-7687	359	19	assets	asset	NOUN
ajfa-7687	359	20	.	.	PUNCT
ajfa-7687	360	1	once	once	ADV
ajfa-7687	360	2	an	an	DET
ajfa-7687	360	3	asset	asset	NOUN
ajfa-7687	360	4	becomes	become	VERB
ajfa-7687	360	5	an	an	DET
ajfa-7687	360	6	npa	npa	NOUN
ajfa-7687	360	7	,	,	PUNCT
ajfa-7687	360	8	banks	bank	NOUN
ajfa-7687	360	9	have	have	VERB
ajfa-7687	360	10	to	to	PART
ajfa-7687	360	11	make	make	VERB
ajfa-7687	360	12	provision	provision	NOUN
ajfa-7687	360	13	for	for	ADP
ajfa-7687	360	14	the	the	DET
ajfa-7687	360	15	uncollected	uncollected	ADJ
ajfa-7687	360	16	income	income	NOUN
ajfa-7687	360	17	from	from	ADP
ajfa-7687	360	18	these	these	DET
ajfa-7687	360	19	assets	asset	NOUN
ajfa-7687	360	20	.	.	PUNCT
ajfa-7687	361	1	the	the	DET
ajfa-7687	361	2	provisioning	provisioning	NOUN
ajfa-7687	361	3	is	be	AUX
ajfa-7687	361	4	made	make	VERB
ajfa-7687	361	5	on	on	ADP
ajfa-7687	361	6	the	the	DET
ajfa-7687	361	7	basis	basis	NOUN
ajfa-7687	361	8	of	of	ADP
ajfa-7687	361	9	the	the	DET
ajfa-7687	361	10	classification	classification	NOUN
ajfa-7687	361	11	of	of	ADP
ajfa-7687	361	12	assets	asset	NOUN
ajfa-7687	361	13	i.e.	i.e.	X
ajfa-7687	361	14	sub	sub	ADJ
ajfa-7687	361	15	-	-	ADJ
ajfa-7687	361	16	standard	standard	ADJ
ajfa-7687	361	17	,	,	PUNCT
ajfa-7687	361	18	doubtful	doubtful	ADJ
ajfa-7687	361	19	,	,	PUNCT
ajfa-7687	361	20	and	and	CCONJ
ajfa-7687	361	21	loss	loss	NOUN
ajfa-7687	361	22	assets	asset	NOUN
ajfa-7687	361	23	.	.	PUNCT
ajfa-7687	362	1	provisioning	provision	VERB
ajfa-7687	362	2	norms	norm	VERB
ajfa-7687	362	3	1	1	NUM
ajfa-7687	362	4	)	)	PUNCT
ajfa-7687	362	5	loss	loss	NOUN
ajfa-7687	362	6	assets	asset	NOUN
ajfa-7687	362	7	should	should	AUX
ajfa-7687	362	8	be	be	AUX
ajfa-7687	362	9	either	either	CCONJ
ajfa-7687	362	10	written	write	VERB
ajfa-7687	362	11	off	off	ADP
ajfa-7687	362	12	or	or	CCONJ
ajfa-7687	362	13	100	100	NUM
ajfa-7687	362	14	per	per	ADP
ajfa-7687	362	15	cent	cent	NOUN
ajfa-7687	362	16	of	of	ADP
ajfa-7687	362	17	the	the	DET
ajfa-7687	362	18	outstanding	outstanding	ADJ
ajfa-7687	362	19	should	should	AUX
ajfa-7687	362	20	be	be	AUX
ajfa-7687	362	21	provided	provide	VERB
ajfa-7687	362	22	for	for	ADP
ajfa-7687	362	23	.	.	PROPN
ajfa-7687	362	24	2	2	NUM
ajfa-7687	362	25	)	)	PUNCT
ajfa-7687	362	26	in	in	ADP
ajfa-7687	362	27	case	case	NOUN
ajfa-7687	362	28	of	of	ADP
ajfa-7687	362	29	doubtful	doubtful	ADJ
ajfa-7687	362	30	assets	asset	NOUN
ajfa-7687	362	31	,	,	PUNCT
ajfa-7687	362	32	provisioning	provision	VERB
ajfa-7687	362	33	requirement	requirement	NOUN
ajfa-7687	362	34	is	be	AUX
ajfa-7687	362	35	100	100	NUM
ajfa-7687	362	36	per	per	ADP
ajfa-7687	362	37	cent	cent	NOUN
ajfa-7687	362	38	of	of	ADP
ajfa-7687	362	39	the	the	DET
ajfa-7687	362	40	‘	'	PUNCT
ajfa-7687	362	41	unsecured	unsecured	ADJ
ajfa-7687	362	42	portion	portion	NOUN
ajfa-7687	362	43	’	'	PUNCT
ajfa-7687	362	44	and	and	CCONJ
ajfa-7687	362	45	for	for	ADP
ajfa-7687	362	46	the	the	DET
ajfa-7687	362	47	‘	'	PUNCT
ajfa-7687	362	48	secured	secured	ADJ
ajfa-7687	362	49	portion	portion	NOUN
ajfa-7687	362	50	’	'	PUNCT
ajfa-7687	362	51	the	the	DET
ajfa-7687	362	52	requirement	requirement	NOUN
ajfa-7687	362	53	ranges	range	VERB
ajfa-7687	362	54	from	from	ADP
ajfa-7687	362	55	20	20	NUM
ajfa-7687	362	56	per	per	ADP
ajfa-7687	362	57	cent	cent	NOUN
ajfa-7687	362	58	to	to	ADP
ajfa-7687	362	59	100	100	NUM
ajfa-7687	362	60	per	per	ADP
ajfa-7687	362	61	cent	cent	NOUN
ajfa-7687	362	62	depending	depend	VERB
ajfa-7687	362	63	on	on	ADP
ajfa-7687	362	64	the	the	DET
ajfa-7687	362	65	age	age	NOUN
ajfa-7687	362	66	of	of	ADP
ajfa-7687	362	67	the	the	DET
ajfa-7687	362	68	npa	npa	NOUN
ajfa-7687	362	69	.	.	PROPN
ajfa-7687	362	70	3	3	NUM
ajfa-7687	362	71	)	)	PUNCT
ajfa-7687	362	72	in	in	ADP
ajfa-7687	362	73	the	the	DET
ajfa-7687	362	74	case	case	NOUN
ajfa-7687	362	75	of	of	ADP
ajfa-7687	362	76	sub	sub	ADJ
ajfa-7687	362	77	-	-	ADJ
ajfa-7687	362	78	standard	standard	ADJ
ajfa-7687	362	79	assets	asset	NOUN
ajfa-7687	362	80	,	,	PUNCT
ajfa-7687	362	81	provision	provision	NOUN
ajfa-7687	362	82	of	of	ADP
ajfa-7687	362	83	15	15	NUM
ajfa-7687	362	84	per	per	ADP
ajfa-7687	362	85	cent	cent	NOUN
ajfa-7687	362	86	on	on	ADP
ajfa-7687	362	87	total	total	ADJ
ajfa-7687	362	88	out	out	ADV
ajfa-7687	362	89	-	-	PUNCT
ajfa-7687	362	90	standing	standing	NOUN
ajfa-7687	362	91	is	be	AUX
ajfa-7687	362	92	to	to	PART
ajfa-7687	362	93	be	be	AUX
ajfa-7687	362	94	made	make	VERB
ajfa-7687	362	95	.	.	PUNCT
ajfa-7687	363	1	sub	sub	ADJ
ajfa-7687	363	2	-	-	ADJ
ajfa-7687	363	3	standard	standard	ADJ
ajfa-7687	363	4	assets	asset	NOUN
ajfa-7687	363	5	which	which	PRON
ajfa-7687	363	6	are	be	AUX
ajfa-7687	363	7	also	also	ADV
ajfa-7687	363	8	‘	'	PUNCT
ajfa-7687	363	9	unsecured	unsecured	ADJ
ajfa-7687	363	10	exposures	exposure	NOUN
ajfa-7687	363	11	’	'	PUNCT
ajfa-7687	363	12	require	require	VERB
ajfa-7687	363	13	additional	additional	ADJ
ajfa-7687	363	14	provisioning	provisioning	NOUN
ajfa-7687	363	15	of	of	ADP
ajfa-7687	363	16	10	10	NUM
ajfa-7687	363	17	per	per	ADP
ajfa-7687	363	18	cent	cent	NOUN
ajfa-7687	363	19	,	,	PUNCT
ajfa-7687	363	20	that	that	ADV
ajfa-7687	363	21	is	is	ADV
ajfa-7687	363	22	,	,	PUNCT
ajfa-7687	363	23	a	a	DET
ajfa-7687	363	24	total	total	NOUN
ajfa-7687	363	25	of	of	ADP
ajfa-7687	363	26	25	25	NUM
ajfa-7687	363	27	per	per	NOUN
ajfa-7687	363	28	cent	cent	NOUN
ajfa-7687	363	29	on	on	ADP
ajfa-7687	363	30	the	the	DET
ajfa-7687	363	31	outstanding	outstanding	ADJ
ajfa-7687	363	32	balance	balance	NOUN
ajfa-7687	363	33	.	.	PUNCT
ajfa-7687	364	1	in	in	ADP
ajfa-7687	364	2	the	the	DET
ajfa-7687	364	3	case	case	NOUN
ajfa-7687	364	4	of	of	ADP
ajfa-7687	364	5	standard	standard	ADJ
ajfa-7687	364	6	assets	asset	NOUN
ajfa-7687	364	7	,	,	PUNCT
ajfa-7687	364	8	banks	bank	NOUN
ajfa-7687	364	9	are	be	AUX
ajfa-7687	364	10	required	require	VERB
ajfa-7687	364	11	to	to	PART
ajfa-7687	364	12	make	make	VERB
ajfa-7687	364	13	a	a	DET
ajfa-7687	364	14	general	general	ADJ
ajfa-7687	364	15	provision	provision	NOUN
ajfa-7687	364	16	of	of	ADP
ajfa-7687	364	17	a	a	DET
ajfa-7687	364	18	minimum	minimum	NOUN
ajfa-7687	364	19	of	of	ADP
ajfa-7687	364	20	0.4	0.4	NUM
ajfa-7687	364	21	per	per	ADP
ajfa-7687	364	22	cent	cent	NOUN
ajfa-7687	364	23	.	.	PUNCT
ajfa-7687	365	1	1	1	NUM
ajfa-7687	366	1	the	the	DET
ajfa-7687	366	2	hausman	hausman	PROPN
ajfa-7687	366	3	specification	specification	NOUN
ajfa-7687	366	4	test	test	NOUN
ajfa-7687	366	5	compares	compare	VERB
ajfa-7687	366	6	the	the	DET
ajfa-7687	366	7	fixed	fix	VERB
ajfa-7687	366	8	versus	versus	ADP
ajfa-7687	366	9	random	random	ADJ
ajfa-7687	366	10	effects	effect	NOUN
ajfa-7687	366	11	under	under	ADP
ajfa-7687	366	12	the	the	DET
ajfa-7687	366	13	null	null	ADJ
ajfa-7687	366	14	hypothesis	hypothesis	NOUN
ajfa-7687	366	15	that	that	PRON
ajfa-7687	366	16	the	the	DET
ajfa-7687	366	17	individual	individual	ADJ
ajfa-7687	366	18	effects	effect	NOUN
ajfa-7687	366	19	are	be	AUX
ajfa-7687	366	20	uncorrelated	uncorrelate	VERB
ajfa-7687	366	21	with	with	ADP
ajfa-7687	366	22	the	the	DET
ajfa-7687	366	23	other	other	ADJ
ajfa-7687	366	24	regressors	regressor	NOUN
ajfa-7687	366	25	in	in	ADP
ajfa-7687	366	26	the	the	DET
ajfa-7687	366	27	model	model	NOUN
ajfa-7687	366	28	(	(	PUNCT
ajfa-7687	366	29	hausman	hausman	NOUN
ajfa-7687	366	30	1978	1978	NUM
ajfa-7687	366	31	)	)	PUNCT
ajfa-7687	366	32	.	.	PUNCT
ajfa-7687	367	1	if	if	SCONJ
ajfa-7687	367	2	correlated	correlate	VERB
ajfa-7687	367	3	(	(	PUNCT
ajfa-7687	367	4	h0	h0	NOUN
ajfa-7687	367	5	is	be	AUX
ajfa-7687	367	6	rejected	reject	VERB
ajfa-7687	367	7	)	)	PUNCT
ajfa-7687	367	8	,	,	PUNCT
ajfa-7687	367	9	a	a	DET
ajfa-7687	367	10	random	random	ADJ
ajfa-7687	367	11	effect	effect	NOUN
ajfa-7687	367	12	model	model	NOUN
ajfa-7687	367	13	produces	produce	VERB
ajfa-7687	367	14	biased	biased	ADJ
ajfa-7687	367	15	estimators	estimator	NOUN
ajfa-7687	367	16	,	,	PUNCT
ajfa-7687	367	17	violating	violate	VERB
ajfa-7687	367	18	one	one	NUM
ajfa-7687	367	19	of	of	ADP
ajfa-7687	367	20	the	the	DET
ajfa-7687	367	21	gauss	gauss	ADJ
ajfa-7687	367	22	-	-	PUNCT
ajfa-7687	367	23	markov	markov	NOUN
ajfa-7687	367	24	assumptions	assumption	NOUN
ajfa-7687	367	25	;	;	PUNCT
ajfa-7687	367	26	asian	asian	ADJ
ajfa-7687	367	27	journal	journal	NOUN
ajfa-7687	367	28	of	of	ADP
ajfa-7687	367	29	finance	finance	PROPN
ajfa-7687	367	30	&	&	CCONJ
ajfa-7687	367	31	accounting	accounting	PROPN
ajfa-7687	367	32	issn	issn	PROPN
ajfa-7687	367	33	1946	1946	NUM
ajfa-7687	367	34	-	-	PUNCT
ajfa-7687	367	35	052x	052x	NOUN
ajfa-7687	367	36	2015	2015	NUM
ajfa-7687	367	37	,	,	PUNCT
ajfa-7687	367	38	vol	vol	NOUN
ajfa-7687	367	39	.	.	PROPN
ajfa-7687	367	40	7	7	NUM
ajfa-7687	367	41	,	,	PUNCT
ajfa-7687	367	42	no	no	INTJ
ajfa-7687	367	43	.	.	NOUN
ajfa-7687	367	44	1	1	NUM
ajfa-7687	367	45	www.macrothink.org/ajfa	www.macrothink.org/ajfa	NOUN
ajfa-7687	367	46	206	206	NUM
ajfa-7687	367	47	so	so	ADV
ajfa-7687	367	48	a	a	DET
ajfa-7687	367	49	fixed	fix	VERB
ajfa-7687	367	50	effect	effect	NOUN
ajfa-7687	367	51	model	model	NOUN
ajfa-7687	367	52	is	be	AUX
ajfa-7687	367	53	preferred	prefer	VERB
ajfa-7687	367	54	.	.	PUNCT
ajfa-7687	368	1	hausman	hausman	PROPN
ajfa-7687	368	2	's	's	PART
ajfa-7687	368	3	essential	essential	ADJ
ajfa-7687	368	4	result	result	NOUN
ajfa-7687	368	5	is	be	AUX
ajfa-7687	368	6	that	that	SCONJ
ajfa-7687	368	7	the	the	DET
ajfa-7687	368	8	covariance	covariance	NOUN
ajfa-7687	368	9	of	of	ADP
ajfa-7687	368	10	an	an	DET
ajfa-7687	368	11	efficient	efficient	ADJ
ajfa-7687	368	12	estimator	estimator	NOUN
ajfa-7687	368	13	with	with	ADP
ajfa-7687	368	14	its	its	PRON
ajfa-7687	368	15	difference	difference	NOUN
ajfa-7687	368	16	from	from	ADP
ajfa-7687	368	17	an	an	DET
ajfa-7687	368	18	inefficient	inefficient	ADJ
ajfa-7687	368	19	estimator	estimator	NOUN
ajfa-7687	368	20	is	be	AUX
ajfa-7687	368	21	zero	zero	NUM
ajfa-7687	368	22	(	(	PUNCT
ajfa-7687	368	23	greene	greene	PROPN
ajfa-7687	368	24	2003	2003	NUM
ajfa-7687	368	25	)	)	PUNCT
ajfa-7687	368	26	.	.	PUNCT