id	sid	tid	token	lemma	pos
atssr-1457	1	1	asian	asian	ADJ
atssr-1457	1	2	themes	theme	NOUN
atssr-1457	1	3	in	in	ADP
atssr-1457	1	4	social	social	ADJ
atssr-1457	1	5	sciences	sciences	PROPN
atssr-1457	1	6	research	research	PROPN
atssr-1457	1	7	issn	issn	PROPN
atssr-1457	1	8	:	:	PUNCT
atssr-1457	1	9	2578	2578	NUM
atssr-1457	1	10	-	-	SYM
atssr-1457	1	11	5516	5516	NUM
atssr-1457	1	12	vol	vol	NOUN
atssr-1457	1	13	.	.	PROPN
atssr-1457	2	1	1	1	NUM
atssr-1457	2	2	,	,	PUNCT
atssr-1457	2	3	no	no	INTJ
atssr-1457	2	4	.	.	NOUN
atssr-1457	2	5	2	2	NUM
atssr-1457	2	6	,	,	PUNCT
atssr-1457	2	7	pp	pp	ADJ
atssr-1457	2	8	.	.	PUNCT
atssr-1457	3	1	44	44	NUM
atssr-1457	3	2	-	-	SYM
atssr-1457	3	3	49	49	NUM
atssr-1457	3	4	2018	2018	NUM
atssr-1457	3	5	doi	doi	NOUN
atssr-1457	3	6	:	:	PUNCT
atssr-1457	3	7	10.33094	10.33094	NUM
atssr-1457	3	8	/	/	SYM
atssr-1457	3	9	journal.139.2018.12.44.49	journal.139.2018.12.44.49	PROPN
atssr-1457	3	10	©	©	PROPN
atssr-1457	3	11	2018	2018	NUM
atssr-1457	3	12	by	by	ADP
atssr-1457	3	13	the	the	DET
atssr-1457	3	14	authors	author	NOUN
atssr-1457	3	15	;	;	PUNCT
atssr-1457	3	16	licensee	licensee	VERB
atssr-1457	3	17	online	online	ADJ
atssr-1457	3	18	academic	academic	ADJ
atssr-1457	3	19	press	press	NOUN
atssr-1457	3	20	,	,	PUNCT
atssr-1457	3	21	usa	usa	PROPN
atssr-1457	3	22	44	44	NUM
atssr-1457	3	23	©	©	PROPN
atssr-1457	3	24	2018	2018	NUM
atssr-1457	3	25	by	by	ADP
atssr-1457	3	26	the	the	DET
atssr-1457	3	27	authors	author	NOUN
atssr-1457	3	28	;	;	PUNCT
atssr-1457	3	29	licensee	licensee	VERB
atssr-1457	3	30	online	online	ADJ
atssr-1457	3	31	academic	academic	ADJ
atssr-1457	3	32	press	press	NOUN
atssr-1457	3	33	,	,	PUNCT
atssr-1457	3	34	usa	usa	PROPN
atssr-1457	3	35	the	the	DET
atssr-1457	3	36	relationship	relationship	NOUN
atssr-1457	3	37	between	between	ADP
atssr-1457	3	38	risk	risk	NOUN
atssr-1457	3	39	management	management	NOUN
atssr-1457	3	40	and	and	CCONJ
atssr-1457	3	41	profitability	profitability	NOUN
atssr-1457	3	42	of	of	ADP
atssr-1457	3	43	commercial	commercial	ADJ
atssr-1457	3	44	banks	bank	NOUN
atssr-1457	3	45	in	in	ADP
atssr-1457	3	46	albania	albania	PROPN
atssr-1457	4	1	arjeta	arjeta	PROPN
atssr-1457	4	2	hallunovi1	hallunovi1	PROPN
atssr-1457	4	3	*	*	PROPN
atssr-1457	4	4	--miranda	--miranda	PUNCT
atssr-1457	4	5	berdo2	berdo2	X
atssr-1457	5	1	*	*	PUNCT
atssr-1457	5	2	1lecturer	1lecturer	NUM
atssr-1457	5	3	,	,	PUNCT
atssr-1457	5	4	business	business	NOUN
atssr-1457	5	5	faculty	faculty	NOUN
atssr-1457	5	6	,	,	PUNCT
atssr-1457	5	7	aleksander	aleksander	PROPN
atssr-1457	5	8	moisiu	moisiu	PROPN
atssr-1457	5	9	university	university	PROPN
atssr-1457	5	10	,	,	PUNCT
atssr-1457	5	11	durres	durre	NOUN
atssr-1457	5	12	,	,	PUNCT
atssr-1457	5	13	albania	albania	PROPN
atssr-1457	5	14	2department	2department	NUM
atssr-1457	5	15	of	of	ADP
atssr-1457	5	16	performance	performance	NOUN
atssr-1457	5	17	audit	audit	NOUN
atssr-1457	6	1	,	,	PUNCT
atssr-1457	6	2	albania	albania	PROPN
atssr-1457	6	3	supreme	supreme	PROPN
atssr-1457	6	4	audit	audit	PROPN
atssr-1457	6	5	institution	institution	NOUN
atssr-1457	6	6	,	,	PUNCT
atssr-1457	6	7	albania	albania	PROPN
atssr-1457	6	8	abstract	abstract	ADJ
atssr-1457	6	9	profitability	profitability	NOUN
atssr-1457	6	10	is	be	AUX
atssr-1457	6	11	an	an	DET
atssr-1457	6	12	indicator	indicator	NOUN
atssr-1457	6	13	of	of	ADP
atssr-1457	6	14	the	the	DET
atssr-1457	6	15	capacity	capacity	NOUN
atssr-1457	6	16	of	of	ADP
atssr-1457	6	17	commercial	commercial	ADJ
atssr-1457	6	18	banks	bank	NOUN
atssr-1457	6	19	to	to	PART
atssr-1457	6	20	cope	cope	VERB
atssr-1457	6	21	with	with	ADP
atssr-1457	6	22	their	their	PRON
atssr-1457	6	23	risk	risk	NOUN
atssr-1457	6	24	and/or	and/or	CCONJ
atssr-1457	6	25	capital	capital	NOUN
atssr-1457	6	26	growth	growth	NOUN
atssr-1457	6	27	,	,	PUNCT
atssr-1457	6	28	showing	show	VERB
atssr-1457	6	29	their	their	PRON
atssr-1457	6	30	competitiveness	competitiveness	NOUN
atssr-1457	6	31	and	and	CCONJ
atssr-1457	6	32	measuring	measure	VERB
atssr-1457	6	33	the	the	DET
atssr-1457	6	34	quality	quality	NOUN
atssr-1457	6	35	of	of	ADP
atssr-1457	6	36	management	management	NOUN
atssr-1457	6	37	.	.	PUNCT
atssr-1457	7	1	credit	credit	NOUN
atssr-1457	7	2	risk	risk	NOUN
atssr-1457	7	3	is	be	AUX
atssr-1457	7	4	one	one	NUM
atssr-1457	7	5	of	of	ADP
atssr-1457	7	6	the	the	DET
atssr-1457	7	7	significant	significant	ADJ
atssr-1457	7	8	risks	risk	NOUN
atssr-1457	7	9	of	of	ADP
atssr-1457	7	10	commercial	commercial	ADJ
atssr-1457	7	11	banks	bank	NOUN
atssr-1457	7	12	by	by	ADP
atssr-1457	7	13	the	the	DET
atssr-1457	7	14	nature	nature	NOUN
atssr-1457	7	15	of	of	ADP
atssr-1457	7	16	their	their	PRON
atssr-1457	7	17	activities	activity	NOUN
atssr-1457	7	18	.	.	PUNCT
atssr-1457	8	1	by	by	ADP
atssr-1457	8	2	effectively	effectively	ADV
atssr-1457	8	3	managing	manage	VERB
atssr-1457	8	4	the	the	DET
atssr-1457	8	5	exposure	exposure	NOUN
atssr-1457	8	6	of	of	ADP
atssr-1457	8	7	commercial	commercial	ADJ
atssr-1457	8	8	banks	bank	NOUN
atssr-1457	8	9	to	to	ADP
atssr-1457	8	10	credit	credit	NOUN
atssr-1457	8	11	risk	risk	NOUN
atssr-1457	8	12	,	,	PUNCT
atssr-1457	8	13	they	they	PRON
atssr-1457	8	14	not	not	PART
atssr-1457	8	15	only	only	ADV
atssr-1457	8	16	support	support	VERB
atssr-1457	8	17	the	the	DET
atssr-1457	8	18	viability	viability	NOUN
atssr-1457	8	19	and	and	CCONJ
atssr-1457	8	20	profitability	profitability	NOUN
atssr-1457	8	21	of	of	ADP
atssr-1457	8	22	their	their	PRON
atssr-1457	8	23	business	business	NOUN
atssr-1457	8	24	but	but	CCONJ
atssr-1457	8	25	also	also	ADV
atssr-1457	8	26	contribute	contribute	VERB
atssr-1457	8	27	to	to	ADP
atssr-1457	8	28	the	the	DET
atssr-1457	8	29	system	system	NOUN
atssr-1457	8	30	,	,	PUNCT
atssr-1457	8	31	stability	stability	NOUN
atssr-1457	8	32	and	and	CCONJ
atssr-1457	8	33	efficient	efficient	ADJ
atssr-1457	8	34	allocation	allocation	NOUN
atssr-1457	8	35	of	of	ADP
atssr-1457	8	36	capital	capital	NOUN
atssr-1457	8	37	to	to	ADP
atssr-1457	8	38	the	the	DET
atssr-1457	8	39	economy	economy	NOUN
atssr-1457	8	40	.	.	PUNCT
atssr-1457	9	1	the	the	DET
atssr-1457	9	2	purpose	purpose	NOUN
atssr-1457	9	3	of	of	ADP
atssr-1457	9	4	the	the	DET
atssr-1457	9	5	study	study	NOUN
atssr-1457	9	6	was	be	AUX
atssr-1457	9	7	to	to	PART
atssr-1457	9	8	determine	determine	VERB
atssr-1457	9	9	whether	whether	SCONJ
atssr-1457	9	10	there	there	PRON
atssr-1457	9	11	is	be	VERB
atssr-1457	9	12	a	a	DET
atssr-1457	9	13	relationship	relationship	NOUN
atssr-1457	9	14	between	between	ADP
atssr-1457	9	15	credit	credit	NOUN
atssr-1457	9	16	risk	risk	NOUN
atssr-1457	9	17	management	management	NOUN
atssr-1457	9	18	and	and	CCONJ
atssr-1457	9	19	profitability	profitability	NOUN
atssr-1457	9	20	in	in	ADP
atssr-1457	9	21	commercial	commercial	ADJ
atssr-1457	9	22	banks	bank	NOUN
atssr-1457	9	23	in	in	ADP
atssr-1457	9	24	albania	albania	PROPN
atssr-1457	9	25	.	.	PUNCT
atssr-1457	10	1	in	in	ADP
atssr-1457	10	2	this	this	DET
atssr-1457	10	3	paper	paper	NOUN
atssr-1457	10	4	,	,	PUNCT
atssr-1457	10	5	there	there	PRON
atssr-1457	10	6	are	be	VERB
atssr-1457	10	7	four	four	NUM
atssr-1457	10	8	variables	variable	NOUN
atssr-1457	10	9	:	:	PUNCT
atssr-1457	10	10	roa	roa	PROPN
atssr-1457	10	11	and	and	CCONJ
atssr-1457	10	12	roe	roe	PROPN
atssr-1457	10	13	are	be	AUX
atssr-1457	10	14	the	the	DET
atssr-1457	10	15	dependent	dependent	ADJ
atssr-1457	10	16	variables	variable	NOUN
atssr-1457	10	17	,	,	PUNCT
atssr-1457	10	18	whereas	whereas	SCONJ
atssr-1457	10	19	non	non	ADJ
atssr-1457	10	20	-	-	ADJ
atssr-1457	10	21	performing	performing	ADJ
atssr-1457	10	22	loans	loan	NOUN
atssr-1457	10	23	(	(	PUNCT
atssr-1457	10	24	npls	npls	NOUN
atssr-1457	10	25	)	)	PUNCT
atssr-1457	10	26	and	and	CCONJ
atssr-1457	10	27	capital	capital	NOUN
atssr-1457	10	28	adequacy	adequacy	NOUN
atssr-1457	10	29	(	(	PUNCT
atssr-1457	10	30	car	car	NOUN
atssr-1457	10	31	)	)	PUNCT
atssr-1457	10	32	are	be	AUX
atssr-1457	10	33	the	the	DET
atssr-1457	10	34	independent	independent	ADJ
atssr-1457	10	35	variables	variable	NOUN
atssr-1457	10	36	.	.	PUNCT
atssr-1457	11	1	the	the	DET
atssr-1457	11	2	main	main	ADJ
atssr-1457	11	3	source	source	NOUN
atssr-1457	11	4	of	of	ADP
atssr-1457	11	5	data	datum	NOUN
atssr-1457	11	6	collection	collection	NOUN
atssr-1457	11	7	are	be	AUX
atssr-1457	11	8	the	the	DET
atssr-1457	11	9	annual	annual	ADJ
atssr-1457	11	10	reports	report	NOUN
atssr-1457	11	11	for	for	ADP
atssr-1457	11	12	a	a	DET
atssr-1457	11	13	7year	7year	NUM
atssr-1457	11	14	period	period	NOUN
atssr-1457	11	15	(	(	PUNCT
atssr-1457	11	16	2008	2008	NUM
atssr-1457	11	17	-	-	SYM
atssr-1457	11	18	2015	2015	NUM
atssr-1457	11	19	)	)	PUNCT
atssr-1457	11	20	by	by	ADP
atssr-1457	11	21	the	the	DET
atssr-1457	11	22	albanian	albanian	PROPN
atssr-1457	11	23	association	association	PROPN
atssr-1457	11	24	of	of	ADP
atssr-1457	11	25	banks	bank	NOUN
atssr-1457	11	26	.	.	PUNCT
atssr-1457	12	1	for	for	ADP
atssr-1457	12	2	quantitative	quantitative	ADJ
atssr-1457	12	3	data	datum	NOUN
atssr-1457	12	4	analysis	analysis	NOUN
atssr-1457	12	5	,	,	PUNCT
atssr-1457	12	6	multiple	multiple	ADJ
atssr-1457	12	7	regression	regression	NOUN
atssr-1457	12	8	model	model	NOUN
atssr-1457	12	9	was	be	AUX
atssr-1457	12	10	used	use	VERB
atssr-1457	12	11	(	(	PUNCT
atssr-1457	12	12	spss	spss	PROPN
atssr-1457	12	13	)	)	PUNCT
atssr-1457	12	14	.	.	PUNCT
atssr-1457	12	15	.	.	PUNCT
atssr-1457	13	1	keywords	keyword	NOUN
atssr-1457	13	2	:	:	PUNCT
atssr-1457	13	3	albania	albania	PROPN
atssr-1457	13	4	,	,	PUNCT
atssr-1457	13	5	commercial	commercial	ADJ
atssr-1457	13	6	banks	bank	NOUN
atssr-1457	13	7	,	,	PUNCT
atssr-1457	13	8	profitability	profitability	NOUN
atssr-1457	13	9	,	,	PUNCT
atssr-1457	13	10	roe	roe	NOUN
atssr-1457	13	11	,	,	PUNCT
atssr-1457	13	12	roa	roa	PROPN
atssr-1457	13	13	.	.	PUNCT
atssr-1457	14	1	licensed	license	VERB
atssr-1457	14	2	:	:	PUNCT
atssr-1457	14	3	this	this	DET
atssr-1457	14	4	work	work	NOUN
atssr-1457	14	5	is	be	AUX
atssr-1457	14	6	licensed	license	VERB
atssr-1457	14	7	under	under	ADP
atssr-1457	14	8	a	a	DET
atssr-1457	14	9	creative	creative	ADJ
atssr-1457	14	10	commons	common	NOUN
atssr-1457	14	11	attribution	attribution	NOUN
atssr-1457	14	12	4.0	4.0	NUM
atssr-1457	14	13	license	license	NOUN
atssr-1457	14	14	.	.	PUNCT
atssr-1457	15	1	1	1	X
atssr-1457	15	2	.	.	X
atssr-1457	15	3	introduction	introduction	NOUN
atssr-1457	15	4	as	as	ADP
atssr-1457	15	5	a	a	DET
atssr-1457	15	6	critical	critical	ADJ
atssr-1457	15	7	part	part	NOUN
atssr-1457	15	8	of	of	ADP
atssr-1457	15	9	financial	financial	ADJ
atssr-1457	15	10	systems	system	NOUN
atssr-1457	15	11	,	,	PUNCT
atssr-1457	15	12	banks	bank	NOUN
atssr-1457	15	13	play	play	VERB
atssr-1457	15	14	an	an	DET
atssr-1457	15	15	important	important	ADJ
atssr-1457	15	16	role	role	NOUN
atssr-1457	15	17	in	in	ADP
atssr-1457	15	18	contributing	contribute	VERB
atssr-1457	15	19	to	to	ADP
atssr-1457	15	20	the	the	DET
atssr-1457	15	21	country	country	NOUN
atssr-1457	15	22	's	's	PART
atssr-1457	15	23	economic	economic	ADJ
atssr-1457	15	24	development	development	NOUN
atssr-1457	15	25	and	and	CCONJ
atssr-1457	15	26	also	also	ADV
atssr-1457	15	27	the	the	DET
atssr-1457	15	28	functioning	functioning	NOUN
atssr-1457	15	29	of	of	ADP
atssr-1457	15	30	an	an	DET
atssr-1457	15	31	economy	economy	NOUN
atssr-1457	15	32	(	(	PUNCT
atssr-1457	15	33	pasiouras	pasiouras	NOUN
atssr-1457	15	34	and	and	CCONJ
atssr-1457	15	35	kosmidou	kosmidou	PROPN
atssr-1457	15	36	,	,	PUNCT
atssr-1457	15	37	2007	2007	NUM
atssr-1457	15	38	)	)	PUNCT
atssr-1457	15	39	.	.	PUNCT
atssr-1457	16	1	if	if	SCONJ
atssr-1457	16	2	the	the	DET
atssr-1457	16	3	banking	banking	NOUN
atssr-1457	16	4	industry	industry	NOUN
atssr-1457	16	5	is	be	AUX
atssr-1457	16	6	not	not	PART
atssr-1457	16	7	working	work	VERB
atssr-1457	16	8	well	well	ADV
atssr-1457	16	9	,	,	PUNCT
atssr-1457	16	10	the	the	DET
atssr-1457	16	11	effect	effect	NOUN
atssr-1457	16	12	on	on	ADP
atssr-1457	16	13	the	the	DET
atssr-1457	16	14	economy	economy	NOUN
atssr-1457	16	15	can	can	AUX
atssr-1457	16	16	be	be	AUX
atssr-1457	16	17	large	large	ADJ
atssr-1457	16	18	and	and	CCONJ
atssr-1457	16	19	broad	broad	ADJ
atssr-1457	16	20	.	.	PUNCT
atssr-1457	17	1	efficiency	efficiency	NOUN
atssr-1457	17	2	of	of	ADP
atssr-1457	17	3	commercial	commercial	ADJ
atssr-1457	17	4	banks	bank	NOUN
atssr-1457	17	5	in	in	ADP
atssr-1457	17	6	managing	manage	VERB
atssr-1457	17	7	their	their	PRON
atssr-1457	17	8	risk	risk	NOUN
atssr-1457	17	9	in	in	ADP
atssr-1457	17	10	different	different	ADJ
atssr-1457	17	11	business	business	NOUN
atssr-1457	17	12	cycles	cycle	NOUN
atssr-1457	17	13	can	can	AUX
atssr-1457	17	14	lead	lead	VERB
atssr-1457	17	15	to	to	ADP
atssr-1457	17	16	improved	improved	ADJ
atssr-1457	17	17	losses	loss	NOUN
atssr-1457	17	18	and	and	CCONJ
atssr-1457	17	19	crises	crisis	NOUN
atssr-1457	17	20	between	between	ADP
atssr-1457	17	21	them	they	PRON
atssr-1457	17	22	(	(	PUNCT
atssr-1457	17	23	alexandri	alexandri	NOUN
atssr-1457	17	24	and	and	CCONJ
atssr-1457	17	25	santoso	santoso	NOUN
atssr-1457	17	26	,	,	PUNCT
atssr-1457	17	27	2015	2015	NUM
atssr-1457	17	28	)	)	PUNCT
atssr-1457	17	29	.	.	PUNCT
atssr-1457	18	1	typically	typically	ADV
atssr-1457	18	2	,	,	PUNCT
atssr-1457	18	3	ameur	ameur	ADJ
atssr-1457	18	4	and	and	CCONJ
atssr-1457	18	5	mhiri	mhiri	NOUN
atssr-1457	18	6	(	(	PUNCT
atssr-1457	18	7	2013	2013	NUM
atssr-1457	18	8	)	)	PUNCT
atssr-1457	18	9	defined	define	VERB
atssr-1457	18	10	risk	risk	NOUN
atssr-1457	18	11	as	as	ADP
atssr-1457	18	12	an	an	DET
atssr-1457	18	13	exposure	exposure	NOUN
atssr-1457	18	14	to	to	ADP
atssr-1457	18	15	a	a	DET
atssr-1457	18	16	proposal	proposal	NOUN
atssr-1457	18	17	for	for	ADP
atssr-1457	18	18	which	which	PRON
atssr-1457	18	19	one	one	NOUN
atssr-1457	18	20	is	be	AUX
atssr-1457	18	21	uncertain	uncertain	ADJ
atssr-1457	18	22	.	.	PUNCT
atssr-1457	19	1	while	while	SCONJ
atssr-1457	19	2	risk	risk	NOUN
atssr-1457	19	3	management	management	NOUN
atssr-1457	19	4	is	be	AUX
atssr-1457	19	5	the	the	DET
atssr-1457	19	6	process	process	NOUN
atssr-1457	19	7	of	of	ADP
atssr-1457	19	8	risk	risk	NOUN
atssr-1457	19	9	identification	identification	NOUN
atssr-1457	19	10	,	,	PUNCT
atssr-1457	19	11	risk	risk	VERB
atssr-1457	19	12	analysis	analysis	NOUN
atssr-1457	19	13	and	and	CCONJ
atssr-1457	19	14	assessment	assessment	NOUN
atssr-1457	19	15	,	,	PUNCT
atssr-1457	19	16	risk	risk	NOUN
atssr-1457	19	17	audit	audit	NOUN
atssr-1457	19	18	and	and	CCONJ
atssr-1457	19	19	risk	risk	NOUN
atssr-1457	19	20	management	management	NOUN
atssr-1457	19	21	to	to	PART
atssr-1457	19	22	control	control	VERB
atssr-1457	19	23	the	the	DET
atssr-1457	19	24	financial	financial	ADJ
atssr-1457	19	25	exposure	exposure	NOUN
atssr-1457	19	26	of	of	ADP
atssr-1457	19	27	the	the	DET
atssr-1457	19	28	commercial	commercial	ADJ
atssr-1457	19	29	bank	bank	NOUN
atssr-1457	19	30	,	,	PUNCT
atssr-1457	19	31	based	base	VERB
atssr-1457	19	32	on	on	ADP
atssr-1457	19	33	study	study	NOUN
atssr-1457	19	34	of	of	ADP
atssr-1457	19	35	chinoda	chinoda	PROPN
atssr-1457	19	36	(	(	PUNCT
atssr-1457	19	37	2014	2014	NUM
atssr-1457	19	38	)	)	PUNCT
atssr-1457	19	39	.	.	PUNCT
atssr-1457	20	1	banks	bank	NOUN
atssr-1457	20	2	are	be	AUX
atssr-1457	20	3	exposed	expose	VERB
atssr-1457	20	4	to	to	ADP
atssr-1457	20	5	risks	risk	NOUN
atssr-1457	20	6	,	,	PUNCT
atssr-1457	20	7	while	while	SCONJ
atssr-1457	20	8	credit	credit	NOUN
atssr-1457	20	9	risk	risk	NOUN
atssr-1457	20	10	is	be	AUX
atssr-1457	20	11	one	one	NUM
atssr-1457	20	12	of	of	ADP
atssr-1457	20	13	the	the	DET
atssr-1457	20	14	threats	threat	NOUN
atssr-1457	20	15	to	to	ADP
atssr-1457	20	16	the	the	DET
atssr-1457	20	17	credibility	credibility	NOUN
atssr-1457	20	18	of	of	ADP
atssr-1457	20	19	commercial	commercial	ADJ
atssr-1457	20	20	banks	bank	NOUN
atssr-1457	20	21	(	(	PUNCT
atssr-1457	20	22	panda	panda	NOUN
atssr-1457	20	23	and	and	CCONJ
atssr-1457	20	24	hota	hota	NOUN
atssr-1457	20	25	,	,	PUNCT
atssr-1457	20	26	2014	2014	NUM
atssr-1457	20	27	)	)	PUNCT
atssr-1457	20	28	.	.	PUNCT
atssr-1457	21	1	the	the	DET
atssr-1457	21	2	study	study	NOUN
atssr-1457	21	3	of	of	ADP
atssr-1457	21	4	profitability	profitability	NOUN
atssr-1457	21	5	is	be	AUX
atssr-1457	21	6	important	important	ADJ
atssr-1457	21	7	not	not	PART
atssr-1457	21	8	only	only	ADV
atssr-1457	21	9	because	because	SCONJ
atssr-1457	21	10	of	of	ADP
atssr-1457	21	11	the	the	DET
atssr-1457	21	12	information	information	NOUN
atssr-1457	21	13	it	it	PRON
atssr-1457	21	14	provides	provide	VERB
atssr-1457	21	15	about	about	ADP
atssr-1457	21	16	the	the	DET
atssr-1457	21	17	health	health	NOUN
atssr-1457	21	18	of	of	ADP
atssr-1457	21	19	the	the	DET
atssr-1457	21	20	economy	economy	NOUN
atssr-1457	21	21	every	every	DET
atssr-1457	21	22	year	year	NOUN
atssr-1457	21	23	,	,	PUNCT
atssr-1457	21	24	but	but	CCONJ
atssr-1457	21	25	also	also	ADV
atssr-1457	21	26	because	because	SCONJ
atssr-1457	21	27	profits	profit	NOUN
atssr-1457	21	28	are	be	AUX
atssr-1457	21	29	a	a	DET
atssr-1457	21	30	key	key	ADJ
atssr-1457	21	31	determinant	determinant	NOUN
atssr-1457	21	32	of	of	ADP
atssr-1457	21	33	growth	growth	NOUN
atssr-1457	21	34	and	and	CCONJ
atssr-1457	21	35	employment	employment	NOUN
atssr-1457	21	36	in	in	ADP
atssr-1457	21	37	the	the	DET
atssr-1457	21	38	medium	medium	ADJ
atssr-1457	21	39	term	term	NOUN
atssr-1457	21	40	according	accord	VERB
atssr-1457	21	41	to	to	ADP
atssr-1457	21	42	ongore	ongore	NOUN
atssr-1457	21	43	and	and	CCONJ
atssr-1457	21	44	kusa	kusa	PROPN
atssr-1457	21	45	(	(	PUNCT
atssr-1457	21	46	2013	2013	NUM
atssr-1457	21	47	)	)	PUNCT
atssr-1457	21	48	.	.	PUNCT
atssr-1457	22	1	banking	banking	NOUN
atssr-1457	22	2	performance	performance	NOUN
atssr-1457	22	3	assessment	assessment	NOUN
atssr-1457	22	4	is	be	AUX
atssr-1457	22	5	a	a	DET
atssr-1457	22	6	process	process	NOUN
atssr-1457	22	7	that	that	PRON
atssr-1457	22	8	requires	require	VERB
atssr-1457	22	9	special	special	ADJ
atssr-1457	22	10	attention	attention	NOUN
atssr-1457	22	11	from	from	ADP
atssr-1457	22	12	several	several	ADJ
atssr-1457	22	13	factors	factor	NOUN
atssr-1457	22	14	.	.	PUNCT
atssr-1457	23	1	in	in	ADP
atssr-1457	23	2	developing	develop	VERB
atssr-1457	23	3	countries	country	NOUN
atssr-1457	23	4	where	where	SCONJ
atssr-1457	23	5	our	our	PRON
atssr-1457	23	6	country	country	NOUN
atssr-1457	23	7	is	be	AUX
atssr-1457	23	8	classified	classify	VERB
atssr-1457	23	9	,	,	PUNCT
atssr-1457	23	10	it	it	PRON
atssr-1457	23	11	is	be	AUX
atssr-1457	23	12	very	very	ADV
atssr-1457	23	13	important	important	ADJ
atssr-1457	23	14	to	to	PART
atssr-1457	23	15	have	have	VERB
atssr-1457	23	16	good	good	ADJ
atssr-1457	23	17	,	,	PUNCT
atssr-1457	23	18	sustainable	sustainable	ADJ
atssr-1457	23	19	,	,	PUNCT
atssr-1457	23	20	fast	fast	ADJ
atssr-1457	23	21	economic	economic	ADJ
atssr-1457	23	22	progress	progress	NOUN
atssr-1457	23	23	,	,	PUNCT
atssr-1457	23	24	thus	thus	ADV
atssr-1457	23	25	increasing	increase	VERB
atssr-1457	23	26	the	the	DET
atssr-1457	23	27	benefits	benefit	NOUN
atssr-1457	23	28	of	of	ADP
atssr-1457	23	29	all	all	DET
atssr-1457	23	30	financial	financial	ADJ
atssr-1457	23	31	institutions	institution	NOUN
atssr-1457	23	32	(	(	PUNCT
atssr-1457	23	33	suzuki	suzuki	PROPN
atssr-1457	23	34	and	and	CCONJ
atssr-1457	23	35	sastrosuwito	sastrosuwito	NOUN
atssr-1457	23	36	,	,	PUNCT
atssr-1457	23	37	2014	2014	NUM
atssr-1457	23	38	)	)	PUNCT
atssr-1457	23	39	.	.	PUNCT
atssr-1457	24	1	it	it	PRON
atssr-1457	24	2	is	be	AUX
atssr-1457	24	3	imperative	imperative	ADJ
atssr-1457	24	4	for	for	SCONJ
atssr-1457	24	5	every	every	DET
atssr-1457	24	6	country	country	NOUN
atssr-1457	24	7	to	to	PART
atssr-1457	24	8	have	have	VERB
atssr-1457	24	9	the	the	DET
atssr-1457	24	10	banking	banking	NOUN
atssr-1457	24	11	sector	sector	NOUN
atssr-1457	24	12	,	,	PUNCT
atssr-1457	24	13	well	well	ADV
atssr-1457	24	14	structured	structure	VERB
atssr-1457	24	15	and	and	CCONJ
atssr-1457	24	16	profitable	profitable	ADJ
atssr-1457	24	17	,	,	PUNCT
atssr-1457	24	18	in	in	ADP
atssr-1457	24	19	such	such	DET
atssr-1457	24	20	a	a	DET
atssr-1457	24	21	way	way	NOUN
atssr-1457	24	22	as	as	SCONJ
atssr-1457	24	23	to	to	PART
atssr-1457	24	24	be	be	AUX
atssr-1457	24	25	competitive	competitive	ADJ
atssr-1457	24	26	and	and	CCONJ
atssr-1457	24	27	successful	successful	ADJ
atssr-1457	24	28	(	(	PUNCT
atssr-1457	24	29	saeed	saeed	PROPN
atssr-1457	24	30	,	,	PUNCT
atssr-1457	24	31	2016	2016	NUM
atssr-1457	24	32	)	)	PUNCT
atssr-1457	24	33	.	.	PUNCT
atssr-1457	25	1	the	the	DET
atssr-1457	25	2	stability	stability	NOUN
atssr-1457	25	3	of	of	ADP
atssr-1457	25	4	the	the	DET
atssr-1457	25	5	financial	financial	ADJ
atssr-1457	25	6	system	system	NOUN
atssr-1457	25	7	depends	depend	VERB
atssr-1457	25	8	on	on	ADP
atssr-1457	25	9	the	the	DET
atssr-1457	25	10	profitability	profitability	NOUN
atssr-1457	25	11	of	of	ADP
atssr-1457	25	12	the	the	DET
atssr-1457	25	13	banking	banking	NOUN
atssr-1457	25	14	sector	sector	NOUN
atssr-1457	25	15	.	.	PUNCT
atssr-1457	26	1	profitability	profitability	NOUN
atssr-1457	26	2	is	be	AUX
atssr-1457	26	3	an	an	DET
atssr-1457	26	4	indicator	indicator	NOUN
atssr-1457	26	5	of	of	ADP
atssr-1457	26	6	the	the	DET
atssr-1457	26	7	https://www.doi.org/10.33094/journal.139.2018.12.44.49	https://www.doi.org/10.33094/journal.139.2018.12.44.49	NOUN
atssr-1457	26	8	asian	asian	ADJ
atssr-1457	26	9	themes	theme	NOUN
atssr-1457	26	10	in	in	ADP
atssr-1457	26	11	social	social	ADJ
atssr-1457	26	12	sciences	science	NOUN
atssr-1457	26	13	research	research	NOUN
atssr-1457	26	14	2018	2018	NUM
atssr-1457	26	15	,	,	PUNCT
atssr-1457	26	16	vol	vol	NOUN
atssr-1457	26	17	.	.	PROPN
atssr-1457	26	18	1	1	NUM
atssr-1457	26	19	,	,	PUNCT
atssr-1457	26	20	no	no	INTJ
atssr-1457	26	21	.	.	NOUN
atssr-1457	26	22	2	2	NUM
atssr-1457	26	23	,	,	PUNCT
atssr-1457	26	24	pp	pp	ADJ
atssr-1457	26	25	.	.	PUNCT
atssr-1457	27	1	44	44	NUM
atssr-1457	27	2	-	-	SYM
atssr-1457	27	3	49	49	NUM
atssr-1457	27	4	45	45	NUM
atssr-1457	27	5	©	©	PROPN
atssr-1457	27	6	2018	2018	NUM
atssr-1457	27	7	by	by	ADP
atssr-1457	27	8	the	the	DET
atssr-1457	27	9	authors	author	NOUN
atssr-1457	27	10	;	;	PUNCT
atssr-1457	27	11	licensee	licensee	VERB
atssr-1457	27	12	online	online	ADJ
atssr-1457	27	13	academic	academic	ADJ
atssr-1457	27	14	press	press	NOUN
atssr-1457	27	15	,	,	PUNCT
atssr-1457	27	16	usa	usa	PROPN
atssr-1457	27	17	bank	bank	PROPN
atssr-1457	27	18	's	's	PART
atssr-1457	27	19	capacity	capacity	NOUN
atssr-1457	27	20	to	to	PART
atssr-1457	27	21	cope	cope	VERB
atssr-1457	27	22	with	with	ADP
atssr-1457	27	23	the	the	DET
atssr-1457	27	24	risk	risk	NOUN
atssr-1457	27	25	and	and	CCONJ
atssr-1457	27	26	increase	increase	VERB
atssr-1457	27	27	its	its	PRON
atssr-1457	27	28	capital	capital	NOUN
atssr-1457	27	29	.	.	PUNCT
atssr-1457	28	1	profitability	profitability	NOUN
atssr-1457	28	2	is	be	AUX
atssr-1457	28	3	used	use	VERB
atssr-1457	28	4	to	to	PART
atssr-1457	28	5	determine	determine	VERB
atssr-1457	28	6	the	the	DET
atssr-1457	28	7	progress	progress	NOUN
atssr-1457	28	8	of	of	ADP
atssr-1457	28	9	a	a	DET
atssr-1457	28	10	business	business	NOUN
atssr-1457	28	11	.	.	PUNCT
atssr-1457	29	1	profitability	profitability	NOUN
atssr-1457	29	2	determinants	determinant	NOUN
atssr-1457	29	3	have	have	AUX
atssr-1457	29	4	been	be	AUX
atssr-1457	29	5	studied	study	VERB
atssr-1457	29	6	and	and	CCONJ
atssr-1457	29	7	researched	research	VERB
atssr-1457	29	8	even	even	ADV
atssr-1457	29	9	though	though	SCONJ
atssr-1457	29	10	the	the	DET
atssr-1457	29	11	profitability	profitability	NOUN
atssr-1457	29	12	definition	definition	NOUN
atssr-1457	29	13	varies	vary	VERB
atssr-1457	29	14	between	between	ADP
atssr-1457	29	15	studies	study	NOUN
atssr-1457	29	16	(	(	PUNCT
atssr-1457	29	17	sayilgen	sayilgen	NOUN
atssr-1457	29	18	and	and	CCONJ
atssr-1457	29	19	yildirim	yildirim	PROPN
atssr-1457	29	20	,	,	PUNCT
atssr-1457	29	21	2009	2009	NUM
atssr-1457	29	22	)	)	PUNCT
atssr-1457	29	23	.	.	PUNCT
atssr-1457	30	1	2	2	X
atssr-1457	30	2	.	.	X
atssr-1457	30	3	literature	literature	NOUN
atssr-1457	30	4	review	review	VERB
atssr-1457	30	5	many	many	ADJ
atssr-1457	30	6	studies	study	NOUN
atssr-1457	30	7	conducted	conduct	VERB
atssr-1457	30	8	by	by	ADP
atssr-1457	30	9	different	different	ADJ
atssr-1457	30	10	authors	author	NOUN
atssr-1457	30	11	have	have	AUX
atssr-1457	30	12	concluded	conclude	VERB
atssr-1457	30	13	that	that	SCONJ
atssr-1457	30	14	credit	credit	NOUN
atssr-1457	30	15	risk	risk	NOUN
atssr-1457	30	16	management	management	NOUN
atssr-1457	30	17	is	be	AUX
atssr-1457	30	18	the	the	DET
atssr-1457	30	19	main	main	ADJ
atssr-1457	30	20	determinant	determinant	NOUN
atssr-1457	30	21	of	of	ADP
atssr-1457	30	22	bank	bank	NOUN
atssr-1457	30	23	profitability	profitability	NOUN
atssr-1457	30	24	(	(	PUNCT
atssr-1457	30	25	shrestha	shrestha	NOUN
atssr-1457	30	26	,	,	PUNCT
atssr-1457	30	27	2017	2017	NUM
atssr-1457	30	28	)	)	PUNCT
atssr-1457	30	29	.	.	PUNCT
atssr-1457	31	1	but	but	CCONJ
atssr-1457	31	2	there	there	PRON
atssr-1457	31	3	are	be	VERB
atssr-1457	31	4	also	also	ADV
atssr-1457	31	5	studies	study	NOUN
atssr-1457	31	6	that	that	PRON
atssr-1457	31	7	have	have	AUX
atssr-1457	31	8	proven	prove	VERB
atssr-1457	31	9	the	the	DET
atssr-1457	31	10	opposite	opposite	NOUN
atssr-1457	31	11	.	.	PUNCT
atssr-1457	32	1	awoke	awake	VERB
atssr-1457	32	2	(	(	PUNCT
atssr-1457	32	3	2014	2014	NUM
atssr-1457	32	4	)	)	PUNCT
atssr-1457	32	5	has	have	AUX
atssr-1457	32	6	made	make	VERB
atssr-1457	32	7	a	a	DET
atssr-1457	32	8	study	study	NOUN
atssr-1457	32	9	on	on	ADP
atssr-1457	32	10	bank	bank	NOUN
atssr-1457	32	11	profitability	profitability	NOUN
atssr-1457	32	12	,	,	PUNCT
atssr-1457	32	13	where	where	SCONJ
atssr-1457	32	14	it	it	PRON
atssr-1457	32	15	has	have	AUX
atssr-1457	32	16	come	come	VERB
atssr-1457	32	17	to	to	ADP
atssr-1457	32	18	the	the	DET
atssr-1457	32	19	conclusion	conclusion	NOUN
atssr-1457	32	20	that	that	SCONJ
atssr-1457	32	21	there	there	PRON
atssr-1457	32	22	is	be	VERB
atssr-1457	32	23	a	a	DET
atssr-1457	32	24	positive	positive	ADJ
atssr-1457	32	25	relationship	relationship	NOUN
atssr-1457	32	26	between	between	ADP
atssr-1457	32	27	profitability	profitability	NOUN
atssr-1457	32	28	and	and	CCONJ
atssr-1457	32	29	liquidity	liquidity	NOUN
atssr-1457	32	30	in	in	ADP
atssr-1457	32	31	12	12	NUM
atssr-1457	32	32	european	european	ADJ
atssr-1457	32	33	,	,	PUNCT
atssr-1457	32	34	north	north	ADJ
atssr-1457	32	35	american	american	ADJ
atssr-1457	32	36	and	and	CCONJ
atssr-1457	32	37	australian	australian	ADJ
atssr-1457	32	38	banks	bank	NOUN
atssr-1457	32	39	.	.	PUNCT
atssr-1457	33	1	meanwhile	meanwhile	ADV
atssr-1457	33	2	gitau	gitau	ADV
atssr-1457	33	3	et	et	PROPN
atssr-1457	33	4	al	al	PROPN
atssr-1457	33	5	.	.	PROPN
atssr-1457	34	1	(	(	PUNCT
atssr-1457	34	2	2017	2017	NUM
atssr-1457	34	3	)	)	PUNCT
atssr-1457	34	4	have	have	AUX
atssr-1457	34	5	concluded	conclude	VERB
atssr-1457	34	6	,	,	PUNCT
atssr-1457	34	7	according	accord	VERB
atssr-1457	34	8	to	to	ADP
atssr-1457	34	9	their	their	PRON
atssr-1457	34	10	study	study	NOUN
atssr-1457	34	11	,	,	PUNCT
atssr-1457	34	12	that	that	SCONJ
atssr-1457	34	13	these	these	DET
atssr-1457	34	14	two	two	NUM
atssr-1457	34	15	variables	variable	NOUN
atssr-1457	34	16	have	have	VERB
atssr-1457	34	17	negative	negative	ADJ
atssr-1457	34	18	relationship	relationship	NOUN
atssr-1457	34	19	.	.	PUNCT
atssr-1457	35	1	gizaw	gizaw	PROPN
atssr-1457	35	2	et	et	PROPN
atssr-1457	35	3	al	al	PROPN
atssr-1457	35	4	.	.	PROPN
atssr-1457	36	1	(	(	PUNCT
atssr-1457	36	2	2015	2015	NUM
atssr-1457	36	3	)	)	PUNCT
atssr-1457	36	4	in	in	ADP
atssr-1457	36	5	their	their	PRON
atssr-1457	36	6	empirical	empirical	ADJ
atssr-1457	36	7	study	study	NOUN
atssr-1457	36	8	reported	report	VERB
atssr-1457	36	9	that	that	SCONJ
atssr-1457	36	10	us	us	PROPN
atssr-1457	36	11	banks	bank	NOUN
atssr-1457	36	12	in	in	ADP
atssr-1457	36	13	the	the	DET
atssr-1457	36	14	1980s	1980s	NUM
atssr-1457	36	15	had	have	VERB
atssr-1457	36	16	a	a	DET
atssr-1457	36	17	strong	strong	ADJ
atssr-1457	36	18	positive	positive	ADJ
atssr-1457	36	19	correlation	correlation	NOUN
atssr-1457	36	20	between	between	ADP
atssr-1457	36	21	the	the	DET
atssr-1457	36	22	equity	equity	NOUN
atssr-1457	36	23	ratio	ratio	NOUN
atssr-1457	36	24	and	and	CCONJ
atssr-1457	36	25	profitability	profitability	NOUN
atssr-1457	36	26	but	but	CCONJ
atssr-1457	36	27	this	this	DET
atssr-1457	36	28	relationship	relationship	NOUN
atssr-1457	36	29	may	may	AUX
atssr-1457	36	30	be	be	AUX
atssr-1457	36	31	negative	negative	ADJ
atssr-1457	36	32	in	in	ADP
atssr-1457	36	33	certain	certain	ADJ
atssr-1457	36	34	situations	situation	NOUN
atssr-1457	36	35	.	.	PUNCT
atssr-1457	37	1	in	in	ADP
atssr-1457	37	2	another	another	DET
atssr-1457	37	3	study	study	NOUN
atssr-1457	37	4	,	,	PUNCT
atssr-1457	37	5	abdullah	abdullah	PROPN
atssr-1457	37	6	et	et	PROPN
atssr-1457	37	7	al	al	PROPN
atssr-1457	37	8	.	.	PROPN
atssr-1457	38	1	(	(	PUNCT
atssr-1457	38	2	2014	2014	NUM
atssr-1457	38	3	)	)	PUNCT
atssr-1457	38	4	found	find	VERB
atssr-1457	38	5	the	the	DET
atssr-1457	38	6	same	same	ADJ
atssr-1457	38	7	result	result	NOUN
atssr-1457	38	8	for	for	ADP
atssr-1457	38	9	commercial	commercial	ADJ
atssr-1457	38	10	banks	bank	NOUN
atssr-1457	38	11	in	in	ADP
atssr-1457	38	12	the	the	DET
atssr-1457	38	13	united	united	ADJ
atssr-1457	38	14	kingdom	kingdom	NOUN
atssr-1457	38	15	during	during	ADP
atssr-1457	38	16	2000	2000	NUM
atssr-1457	38	17	-	-	SYM
atssr-1457	38	18	2005	2005	NUM
atssr-1457	38	19	.	.	PUNCT
atssr-1457	39	1	another	another	DET
atssr-1457	39	2	study	study	NOUN
atssr-1457	39	3	conducted	conduct	VERB
atssr-1457	39	4	by	by	ADP
atssr-1457	39	5	frederick	frederick	PROPN
atssr-1457	39	6	(	(	PUNCT
atssr-1457	39	7	2014	2014	NUM
atssr-1457	39	8	)	)	PUNCT
atssr-1457	39	9	examined	examine	VERB
atssr-1457	39	10	the	the	DET
atssr-1457	39	11	relationship	relationship	NOUN
atssr-1457	39	12	between	between	ADP
atssr-1457	39	13	credit	credit	NOUN
atssr-1457	39	14	risk	risk	NOUN
atssr-1457	39	15	and	and	CCONJ
atssr-1457	39	16	liquidity	liquidity	NOUN
atssr-1457	39	17	risk	risk	NOUN
atssr-1457	39	18	in	in	ADP
atssr-1457	39	19	relation	relation	NOUN
atssr-1457	39	20	to	to	ADP
atssr-1457	39	21	the	the	DET
atssr-1457	39	22	profitability	profitability	NOUN
atssr-1457	39	23	of	of	ADP
atssr-1457	39	24	banks	bank	NOUN
atssr-1457	39	25	in	in	ADP
atssr-1457	39	26	indonesia	indonesia	PROPN
atssr-1457	39	27	and	and	CCONJ
atssr-1457	39	28	revealed	reveal	VERB
atssr-1457	39	29	a	a	DET
atssr-1457	39	30	negative	negative	ADJ
atssr-1457	39	31	credit	credit	NOUN
atssr-1457	39	32	risk	risk	NOUN
atssr-1457	39	33	effect	effect	NOUN
atssr-1457	39	34	and	and	CCONJ
atssr-1457	39	35	a	a	DET
atssr-1457	39	36	positive	positive	ADJ
atssr-1457	39	37	effect	effect	NOUN
atssr-1457	39	38	of	of	ADP
atssr-1457	39	39	liquidity	liquidity	NOUN
atssr-1457	39	40	risk	risk	NOUN
atssr-1457	39	41	on	on	ADP
atssr-1457	39	42	bank	bank	NOUN
atssr-1457	39	43	profitability	profitability	NOUN
atssr-1457	39	44	.	.	PUNCT
atssr-1457	40	1	ali	ali	PROPN
atssr-1457	40	2	et	et	PROPN
atssr-1457	40	3	al	al	PROPN
atssr-1457	40	4	.	.	PROPN
atssr-1457	41	1	(	(	PUNCT
atssr-1457	41	2	2011	2011	NUM
atssr-1457	41	3	)	)	PUNCT
atssr-1457	41	4	in	in	ADP
atssr-1457	41	5	their	their	PRON
atssr-1457	41	6	study	study	NOUN
atssr-1457	41	7	showed	show	VERB
atssr-1457	41	8	that	that	SCONJ
atssr-1457	41	9	the	the	DET
atssr-1457	41	10	management	management	NOUN
atssr-1457	41	11	of	of	ADP
atssr-1457	41	12	credit	credit	NOUN
atssr-1457	41	13	risk	risk	NOUN
atssr-1457	41	14	had	have	VERB
atssr-1457	41	15	an	an	DET
atssr-1457	41	16	effect	effect	NOUN
atssr-1457	41	17	on	on	ADP
atssr-1457	41	18	the	the	DET
atssr-1457	41	19	profitability	profitability	NOUN
atssr-1457	41	20	of	of	ADP
atssr-1457	41	21	commercial	commercial	ADJ
atssr-1457	41	22	banks	bank	NOUN
atssr-1457	41	23	taken	take	VERB
atssr-1457	41	24	in	in	ADP
atssr-1457	41	25	the	the	DET
atssr-1457	41	26	study	study	NOUN
atssr-1457	41	27	.	.	PUNCT
atssr-1457	42	1	as	as	ADP
atssr-1457	42	2	to	to	ADP
atssr-1457	42	3	the	the	DET
atssr-1457	42	4	two	two	NUM
atssr-1457	42	5	indicators	indicator	NOUN
atssr-1457	42	6	taken	take	VERB
atssr-1457	42	7	as	as	ADP
atssr-1457	42	8	representatives	representative	NOUN
atssr-1457	42	9	of	of	ADP
atssr-1457	42	10	credit	credit	NOUN
atssr-1457	42	11	risk	risk	NOUN
atssr-1457	42	12	management	management	NOUN
atssr-1457	42	13	,	,	PUNCT
atssr-1457	42	14	it	it	PRON
atssr-1457	42	15	turned	turn	VERB
atssr-1457	42	16	out	out	ADP
atssr-1457	42	17	that	that	SCONJ
atssr-1457	42	18	npl	npl	PROPN
atssr-1457	42	19	has	have	VERB
atssr-1457	42	20	a	a	DET
atssr-1457	42	21	greater	great	ADJ
atssr-1457	42	22	impact	impact	NOUN
atssr-1457	42	23	than	than	ADP
atssr-1457	42	24	the	the	DET
atssr-1457	42	25	car	car	NOUN
atssr-1457	42	26	in	in	ADP
atssr-1457	42	27	one	one	NUM
atssr-1457	42	28	of	of	ADP
atssr-1457	42	29	the	the	DET
atssr-1457	42	30	roe	roe	NOUN
atssr-1457	42	31	profit	profit	NOUN
atssr-1457	42	32	determinants	determinant	NOUN
atssr-1457	42	33	.	.	PUNCT
atssr-1457	43	1	this	this	DET
atssr-1457	43	2	effect	effect	NOUN
atssr-1457	43	3	is	be	AUX
atssr-1457	43	4	different	different	ADJ
atssr-1457	43	5	in	in	ADP
atssr-1457	43	6	different	different	ADJ
atssr-1457	43	7	commercial	commercial	ADJ
atssr-1457	43	8	banks	bank	NOUN
atssr-1457	43	9	.	.	PUNCT
atssr-1457	44	1	gul	gul	PROPN
atssr-1457	44	2	et	et	PROPN
atssr-1457	44	3	al	al	PROPN
atssr-1457	44	4	.	.	PROPN
atssr-1457	45	1	(	(	PUNCT
atssr-1457	45	2	2011	2011	NUM
atssr-1457	45	3	)	)	PUNCT
atssr-1457	45	4	concluded	conclude	VERB
atssr-1457	45	5	in	in	ADP
atssr-1457	45	6	their	their	PRON
atssr-1457	45	7	study	study	NOUN
atssr-1457	45	8	that	that	SCONJ
atssr-1457	45	9	credit	credit	NOUN
atssr-1457	45	10	risk	risk	NOUN
atssr-1457	45	11	management	management	NOUN
atssr-1457	45	12	has	have	VERB
atssr-1457	45	13	a	a	DET
atssr-1457	45	14	positive	positive	ADJ
atssr-1457	45	15	impact	impact	NOUN
atssr-1457	45	16	on	on	ADP
atssr-1457	45	17	the	the	DET
atssr-1457	45	18	profitabil	profitabil	ADJ
atssr-1457	45	19	ity	ity	PROPN
atssr-1457	45	20	of	of	ADP
atssr-1457	45	21	commercial	commercial	ADJ
atssr-1457	45	22	banks	bank	NOUN
atssr-1457	45	23	.	.	PUNCT
atssr-1457	46	1	the	the	DET
atssr-1457	46	2	same	same	ADJ
atssr-1457	46	3	conclusion	conclusion	NOUN
atssr-1457	46	4	was	be	AUX
atssr-1457	46	5	found	find	VERB
atssr-1457	46	6	also	also	ADV
atssr-1457	46	7	by	by	ADP
atssr-1457	46	8	isik	isik	PROPN
atssr-1457	46	9	et	et	PROPN
atssr-1457	46	10	al	al	PROPN
atssr-1457	46	11	.	.	PUNCT
atssr-1457	47	1	(	(	PUNCT
atssr-1457	47	2	2016	2016	NUM
atssr-1457	47	3	)	)	PUNCT
atssr-1457	47	4	,	,	PUNCT
atssr-1457	47	5	where	where	SCONJ
atssr-1457	47	6	non	non	ADJ
atssr-1457	47	7	-	-	ADJ
atssr-1457	47	8	performing	performing	ADJ
atssr-1457	47	9	loans	loan	NOUN
atssr-1457	47	10	,	,	PUNCT
atssr-1457	47	11	loan	loan	NOUN
atssr-1457	47	12	loss	loss	NOUN
atssr-1457	47	13	provisions	provision	NOUN
atssr-1457	47	14	and	and	CCONJ
atssr-1457	47	15	capital	capital	NOUN
atssr-1457	47	16	adequacy	adequacy	NOUN
atssr-1457	47	17	have	have	VERB
atssr-1457	47	18	a	a	DET
atssr-1457	47	19	significant	significant	ADJ
atssr-1457	47	20	impact	impact	NOUN
atssr-1457	47	21	on	on	ADP
atssr-1457	47	22	the	the	DET
atssr-1457	47	23	profitability	profitability	NOUN
atssr-1457	47	24	of	of	ADP
atssr-1457	47	25	commercial	commercial	ADJ
atssr-1457	47	26	banks	bank	NOUN
atssr-1457	47	27	in	in	ADP
atssr-1457	47	28	ethiopia	ethiopia	PROPN
atssr-1457	47	29	.	.	PUNCT
atssr-1457	48	1	in	in	ADP
atssr-1457	48	2	other	other	ADJ
atssr-1457	48	3	studies	study	NOUN
atssr-1457	48	4	of	of	ADP
atssr-1457	48	5	this	this	DET
atssr-1457	48	6	nature	nature	NOUN
atssr-1457	48	7	ishak	ishak	NOUN
atssr-1457	48	8	et	et	PROPN
atssr-1457	48	9	al	al	PROPN
atssr-1457	48	10	.	.	PROPN
atssr-1457	49	1	(	(	PUNCT
atssr-1457	49	2	2016	2016	NUM
atssr-1457	49	3	)	)	PUNCT
atssr-1457	49	4	reviewed	review	VERB
atssr-1457	49	5	the	the	DET
atssr-1457	49	6	factors	factor	NOUN
atssr-1457	49	7	that	that	PRON
atssr-1457	49	8	affect	affect	VERB
atssr-1457	49	9	the	the	DET
atssr-1457	49	10	performance	performance	NOUN
atssr-1457	49	11	of	of	ADP
atssr-1457	49	12	islamic	islamic	ADJ
atssr-1457	49	13	commercial	commercial	ADJ
atssr-1457	49	14	banks	bank	NOUN
atssr-1457	49	15	.	.	PUNCT
atssr-1457	50	1	it	it	PRON
atssr-1457	50	2	was	be	AUX
atssr-1457	50	3	reported	report	VERB
atssr-1457	50	4	that	that	SCONJ
atssr-1457	50	5	the	the	DET
atssr-1457	50	6	high	high	ADJ
atssr-1457	50	7	level	level	NOUN
atssr-1457	50	8	of	of	ADP
atssr-1457	50	9	financial	financial	ADJ
atssr-1457	50	10	leverage	leverage	NOUN
atssr-1457	50	11	and	and	CCONJ
atssr-1457	50	12	the	the	DET
atssr-1457	50	13	high	high	ADJ
atssr-1457	50	14	credit	credit	NOUN
atssr-1457	50	15	rate	rate	NOUN
atssr-1457	50	16	in	in	ADP
atssr-1457	50	17	relation	relation	NOUN
atssr-1457	50	18	to	to	ADP
atssr-1457	50	19	assets	asset	NOUN
atssr-1457	50	20	showed	show	VERB
atssr-1457	50	21	a	a	DET
atssr-1457	50	22	positive	positive	ADJ
atssr-1457	50	23	correlation	correlation	NOUN
atssr-1457	50	24	with	with	ADP
atssr-1457	50	25	profitability	profitability	NOUN
atssr-1457	50	26	.	.	PUNCT
atssr-1457	51	1	also	also	ADV
atssr-1457	51	2	naceur	naceur	ADV
atssr-1457	51	3	(	(	PUNCT
atssr-1457	51	4	2003	2003	NUM
atssr-1457	51	5	)	)	PUNCT
atssr-1457	51	6	concluded	conclude	VERB
atssr-1457	51	7	in	in	ADP
atssr-1457	51	8	a	a	DET
atssr-1457	51	9	positive	positive	ADJ
atssr-1457	51	10	relationship	relationship	NOUN
atssr-1457	51	11	between	between	ADP
atssr-1457	51	12	the	the	DET
atssr-1457	51	13	credit	credit	NOUN
atssr-1457	51	14	risk	risk	NOUN
atssr-1457	51	15	of	of	ADP
atssr-1457	51	16	swiss	swiss	ADJ
atssr-1457	51	17	commercial	commercial	ADJ
atssr-1457	51	18	banks	bank	NOUN
atssr-1457	51	19	and	and	CCONJ
atssr-1457	51	20	the	the	DET
atssr-1457	51	21	capital	capital	NOUN
atssr-1457	51	22	rate	rate	NOUN
atssr-1457	51	23	during	during	ADP
atssr-1457	51	24	1989	1989	NUM
atssr-1457	51	25	-	-	SYM
atssr-1457	51	26	1995	1995	NUM
atssr-1457	51	27	.	.	PUNCT
atssr-1457	52	1	kosmidou	kosmidou	PROPN
atssr-1457	52	2	(	(	PUNCT
atssr-1457	52	3	2008	2008	NUM
atssr-1457	52	4	)	)	PUNCT
atssr-1457	52	5	study	study	VERB
atssr-1457	52	6	the	the	DET
atssr-1457	52	7	factors	factor	NOUN
atssr-1457	52	8	that	that	PRON
atssr-1457	52	9	influence	influence	VERB
atssr-1457	52	10	the	the	DET
atssr-1457	52	11	profitability	profitability	NOUN
atssr-1457	52	12	of	of	ADP
atssr-1457	52	13	commercial	commercial	ADJ
atssr-1457	52	14	banks	bank	NOUN
atssr-1457	52	15	in	in	ADP
atssr-1457	52	16	europe	europe	PROPN
atssr-1457	52	17	.	.	PUNCT
atssr-1457	53	1	he	he	PRON
atssr-1457	53	2	found	find	VERB
atssr-1457	53	3	a	a	DET
atssr-1457	53	4	positive	positive	ADJ
atssr-1457	53	5	relationship	relationship	NOUN
atssr-1457	53	6	between	between	ADP
atssr-1457	53	7	car	car	NOUN
atssr-1457	53	8	and	and	CCONJ
atssr-1457	53	9	profitability	profitability	NOUN
atssr-1457	53	10	.	.	PUNCT
atssr-1457	54	1	previous	previous	ADJ
atssr-1457	54	2	studies	study	NOUN
atssr-1457	54	3	also	also	ADV
atssr-1457	54	4	reflected	reflect	VERB
atssr-1457	54	5	a	a	DET
atssr-1457	54	6	close	close	ADJ
atssr-1457	54	7	relationship	relationship	NOUN
atssr-1457	54	8	between	between	ADP
atssr-1457	54	9	npl	npl	PROPN
atssr-1457	54	10	and	and	CCONJ
atssr-1457	54	11	credit	credit	NOUN
atssr-1457	54	12	risk	risk	NOUN
atssr-1457	54	13	management	management	NOUN
atssr-1457	54	14	.	.	PUNCT
atssr-1457	55	1	3	3	X
atssr-1457	55	2	.	.	X
atssr-1457	55	3	empirical	empirical	ADJ
atssr-1457	55	4	analysis	analysis	NOUN
atssr-1457	55	5	in	in	ADP
atssr-1457	55	6	order	order	NOUN
atssr-1457	55	7	to	to	PART
atssr-1457	55	8	answer	answer	VERB
atssr-1457	55	9	the	the	DET
atssr-1457	55	10	hypothesis	hypothesis	NOUN
atssr-1457	55	11	of	of	ADP
atssr-1457	55	12	the	the	DET
atssr-1457	55	13	study	study	NOUN
atssr-1457	55	14	,	,	PUNCT
atssr-1457	55	15	an	an	DET
atssr-1457	55	16	econometric	econometric	ADJ
atssr-1457	55	17	model	model	NOUN
atssr-1457	55	18	has	have	AUX
atssr-1457	55	19	been	be	AUX
atssr-1457	55	20	built	build	VERB
atssr-1457	55	21	to	to	PART
atssr-1457	55	22	identify	identify	VERB
atssr-1457	55	23	and	and	CCONJ
atssr-1457	55	24	measure	measure	VERB
atssr-1457	55	25	the	the	DET
atssr-1457	55	26	variable	variable	NOUN
atssr-1457	55	27	that	that	PRON
atssr-1457	55	28	most	most	ADV
atssr-1457	55	29	affects	affect	VERB
atssr-1457	55	30	the	the	DET
atssr-1457	55	31	commercial	commercial	ADJ
atssr-1457	55	32	banks	bank	NOUN
atssr-1457	55	33	'	'	PART
atssr-1457	55	34	profitability	profitability	NOUN
atssr-1457	55	35	in	in	ADP
atssr-1457	55	36	albania	albania	PROPN
atssr-1457	55	37	.	.	PUNCT
atssr-1457	56	1	estimated	estimate	VERB
atssr-1457	56	2	multiple	multiple	ADJ
atssr-1457	56	3	regression	regression	NOUN
atssr-1457	56	4	equation	equation	NOUN
atssr-1457	56	5	:	:	PUNCT
atssr-1457	56	6	y	y	PROPN
atssr-1457	56	7	̂=b0+b1x1+b2x2+	̂=b0+b1x1+b2x2+	PROPN
atssr-1457	56	8	…	…	PUNCT
atssr-1457	56	9	bpxp	bpxp	NOUN
atssr-1457	56	10	this	this	PRON
atssr-1457	56	11	is	be	AUX
atssr-1457	56	12	the	the	DET
atssr-1457	56	13	estimated	estimate	VERB
atssr-1457	56	14	multiple	multiple	ADJ
atssr-1457	56	15	regression	regression	NOUN
atssr-1457	56	16	equation	equation	NOUN
atssr-1457	56	17	,	,	PUNCT
atssr-1457	56	18	which	which	PRON
atssr-1457	56	19	determines	determine	VERB
atssr-1457	56	20	the	the	DET
atssr-1457	56	21	correlation	correlation	NOUN
atssr-1457	56	22	between	between	ADP
atssr-1457	56	23	variables	variable	NOUN
atssr-1457	56	24	taken	take	VERB
atssr-1457	56	25	in	in	ADP
atssr-1457	56	26	the	the	DET
atssr-1457	56	27	study	study	NOUN
atssr-1457	56	28	(	(	PUNCT
atssr-1457	56	29	li	li	PROPN
atssr-1457	56	30	and	and	CCONJ
atssr-1457	56	31	zou	zou	PROPN
atssr-1457	56	32	,	,	PUNCT
atssr-1457	56	33	2014	2014	NUM
atssr-1457	56	34	)	)	PUNCT
atssr-1457	56	35	.	.	PUNCT
atssr-1457	57	1	where	where	SCONJ
atssr-1457	57	2	b0	b0	NOUN
atssr-1457	57	3	is	be	AUX
atssr-1457	57	4	the	the	DET
atssr-1457	57	5	constant	constant	ADJ
atssr-1457	57	6	term	term	NOUN
atssr-1457	57	7	of	of	ADP
atssr-1457	57	8	the	the	DET
atssr-1457	57	9	model	model	NOUN
atssr-1457	57	10	and	and	CCONJ
atssr-1457	57	11	b1	b1	NOUN
atssr-1457	57	12	,	,	PUNCT
atssr-1457	57	13	b2	b2	NOUN
atssr-1457	57	14	are	be	AUX
atssr-1457	57	15	the	the	DET
atssr-1457	57	16	regression	regression	NOUN
atssr-1457	57	17	function	function	NOUN
atssr-1457	57	18	coefficients	coefficient	NOUN
atssr-1457	57	19	.	.	PUNCT
atssr-1457	58	1	using	use	VERB
atssr-1457	58	2	this	this	DET
atssr-1457	58	3	model	model	NOUN
atssr-1457	58	4	and	and	CCONJ
atssr-1457	58	5	comparing	compare	VERB
atssr-1457	58	6	the	the	DET
atssr-1457	58	7	coefficients	coefficient	NOUN
atssr-1457	58	8	next	next	ADV
atssr-1457	58	9	to	to	ADP
atssr-1457	58	10	each	each	DET
atssr-1457	58	11	independent	independent	ADJ
atssr-1457	58	12	variable	variable	NOUN
atssr-1457	58	13	,	,	PUNCT
atssr-1457	58	14	it	it	PRON
atssr-1457	58	15	will	will	AUX
atssr-1457	58	16	be	be	AUX
atssr-1457	58	17	found	find	VERB
atssr-1457	58	18	which	which	PRON
atssr-1457	58	19	of	of	ADP
atssr-1457	58	20	the	the	DET
atssr-1457	58	21	variables	variable	NOUN
atssr-1457	58	22	affects	affect	VERB
atssr-1457	58	23	the	the	DET
atssr-1457	58	24	profitability	profitability	NOUN
atssr-1457	58	25	of	of	ADP
atssr-1457	58	26	the	the	DET
atssr-1457	58	27	banks	bank	NOUN
atssr-1457	58	28	.	.	PUNCT
atssr-1457	59	1	table-1	table-1	NUM
atssr-1457	59	2	.	.	PUNCT
atssr-1457	60	1	summary	summary	NOUN
atssr-1457	60	2	of	of	ADP
atssr-1457	60	3	the	the	DET
atssr-1457	60	4	econometric	econometric	ADJ
atssr-1457	60	5	model	model	NOUN
atssr-1457	60	6	for	for	ADP
atssr-1457	60	7	dependent	dependent	ADJ
atssr-1457	60	8	variables	variable	NOUN
atssr-1457	60	9	(	(	PUNCT
atssr-1457	60	10	roa	roa	PROPN
atssr-1457	60	11	/	/	SYM
atssr-1457	60	12	roe	roe	PROPN
atssr-1457	60	13	)	)	PUNCT
atssr-1457	60	14	.	.	PUNCT
atssr-1457	61	1	model	model	NOUN
atssr-1457	61	2	summary	summary	NOUN
atssr-1457	61	3	model	model	NOUN
atssr-1457	61	4	r	r	PROPN
atssr-1457	61	5	r	r	NOUN
atssr-1457	61	6	square	square	ADJ
atssr-1457	61	7	adjusted	adjust	VERB
atssr-1457	61	8	r	r	NOUN
atssr-1457	61	9	square	square	ADJ
atssr-1457	61	10	std	std	NOUN
atssr-1457	61	11	.	.	PUNCT
atssr-1457	62	1	error	error	NOUN
atssr-1457	62	2	of	of	ADP
atssr-1457	62	3	the	the	DET
atssr-1457	62	4	estimate	estimate	NOUN
atssr-1457	62	5	1	1	NUM
atssr-1457	62	6	.778	.778	NUM
atssr-1457	62	7	.606	.606	NUM
atssr-1457	62	8	.579	.579	NUM
atssr-1457	63	1	.26319	.26319	PROPN
atssr-1457	63	2	2	2	NUM
atssr-1457	63	3	.815	.815	NUM
atssr-1457	63	4	.665	.665	NUM
atssr-1457	63	5	.642	.642	NUM
atssr-1457	64	1	3.08454	3.08454	NUM
atssr-1457	64	2	according	accord	VERB
atssr-1457	64	3	to	to	ADP
atssr-1457	64	4	the	the	DET
atssr-1457	64	5	results	result	NOUN
atssr-1457	64	6	in	in	ADP
atssr-1457	64	7	table	table	NOUN
atssr-1457	64	8	1	1	NUM
atssr-1457	64	9	,	,	PUNCT
atssr-1457	64	10	the	the	DET
atssr-1457	64	11	test	test	NOUN
atssr-1457	64	12	has	have	AUX
atssr-1457	64	13	calculated	calculate	VERB
atssr-1457	64	14	that	that	SCONJ
atssr-1457	64	15	the	the	DET
atssr-1457	64	16	adjusted	adjust	VERB
atssr-1457	64	17	r	r	NOUN
atssr-1457	64	18	square	square	NOUN
atssr-1457	64	19	is	be	AUX
atssr-1457	64	20	0.579	0.579	NUM
atssr-1457	64	21	ie	ie	ADP
atssr-1457	64	22	57.9	57.9	NUM
atssr-1457	64	23	%	%	NOUN
atssr-1457	64	24	of	of	ADP
atssr-1457	64	25	the	the	DET
atssr-1457	64	26	roa	roa	PROPN
atssr-1457	64	27	variable	variable	NOUN
atssr-1457	64	28	explained	explain	VERB
atssr-1457	64	29	by	by	ADP
atssr-1457	64	30	the	the	DET
atssr-1457	64	31	model	model	NOUN
atssr-1457	64	32	.	.	PUNCT
atssr-1457	65	1	capital	capital	NOUN
atssr-1457	65	2	adequacy	adequacy	NOUN
atssr-1457	65	3	and	and	CCONJ
atssr-1457	65	4	non	non	ADJ
atssr-1457	65	5	-	-	ADJ
atssr-1457	65	6	performing	performing	ADJ
atssr-1457	65	7	loans	loan	NOUN
atssr-1457	65	8	account	account	VERB
atssr-1457	65	9	for	for	ADP
atssr-1457	65	10	57.9	57.9	NUM
atssr-1457	65	11	%	%	NOUN
atssr-1457	65	12	of	of	ADP
atssr-1457	65	13	changes	change	NOUN
atssr-1457	65	14	in	in	ADP
atssr-1457	65	15	profitability	profitability	NOUN
atssr-1457	65	16	of	of	ADP
atssr-1457	65	17	commercial	commercial	ADJ
atssr-1457	65	18	banks	bank	NOUN
atssr-1457	65	19	measured	measure	VERB
atssr-1457	65	20	by	by	ADP
atssr-1457	65	21	return	return	NOUN
atssr-1457	65	22	on	on	ADP
atssr-1457	65	23	assets	asset	NOUN
atssr-1457	65	24	.	.	PUNCT
atssr-1457	66	1	meanwhile	meanwhile	ADV
atssr-1457	66	2	,	,	PUNCT
atssr-1457	66	3	42.1	42.1	NUM
atssr-1457	66	4	%	%	NOUN
atssr-1457	66	5	is	be	AUX
atssr-1457	66	6	the	the	DET
atssr-1457	66	7	unexplained	unexplained	ADJ
atssr-1457	66	8	part	part	NOUN
atssr-1457	66	9	,	,	PUNCT
atssr-1457	66	10	which	which	PRON
atssr-1457	66	11	may	may	AUX
atssr-1457	66	12	be	be	AUX
atssr-1457	66	13	explained	explain	VERB
atssr-1457	66	14	by	by	ADP
atssr-1457	66	15	other	other	ADJ
atssr-1457	66	16	factors	factor	NOUN
atssr-1457	66	17	that	that	PRON
atssr-1457	66	18	are	be	AUX
atssr-1457	66	19	not	not	PART
atssr-1457	66	20	included	include	VERB
atssr-1457	66	21	in	in	ADP
atssr-1457	66	22	the	the	DET
atssr-1457	66	23	model	model	NOUN
atssr-1457	66	24	.	.	PUNCT
atssr-1457	67	1	correlation	correlation	NOUN
atssr-1457	67	2	coefficient	coefficient	NOUN
atssr-1457	67	3	r	r	NOUN
atssr-1457	67	4	=	=	PUNCT
atssr-1457	67	5	0.778	0.778	NUM
atssr-1457	67	6	means	mean	VERB
atssr-1457	67	7	that	that	SCONJ
atssr-1457	67	8	there	there	PRON
atssr-1457	67	9	is	be	VERB
atssr-1457	67	10	a	a	DET
atssr-1457	67	11	strong	strong	ADJ
atssr-1457	67	12	linear	linear	NOUN
atssr-1457	67	13	relationship	relationship	NOUN
atssr-1457	67	14	between	between	ADP
atssr-1457	67	15	the	the	DET
atssr-1457	67	16	variables	variable	NOUN
atssr-1457	67	17	roa	roa	NOUN
atssr-1457	67	18	and	and	CCONJ
atssr-1457	67	19	independent	independent	ADJ
atssr-1457	67	20	npl	npl	NOUN
atssr-1457	67	21	and	and	CCONJ
atssr-1457	67	22	car	car	NOUN
atssr-1457	67	23	variables	variable	NOUN
atssr-1457	67	24	.	.	PUNCT
atssr-1457	68	1	while	while	SCONJ
atssr-1457	68	2	the	the	DET
atssr-1457	68	3	test	test	NOUN
atssr-1457	68	4	has	have	AUX
atssr-1457	68	5	calculated	calculate	VERB
atssr-1457	68	6	that	that	SCONJ
atssr-1457	68	7	the	the	DET
atssr-1457	68	8	adjusted	adjust	VERB
atssr-1457	68	9	r	r	NOUN
atssr-1457	68	10	square	square	NOUN
atssr-1457	68	11	is	be	AUX
atssr-1457	68	12	0.642	0.642	NUM
atssr-1457	68	13	ie	ie	ADV
atssr-1457	68	14	64.2	64.2	NUM
atssr-1457	68	15	%	%	NOUN
atssr-1457	68	16	of	of	ADP
atssr-1457	68	17	the	the	DET
atssr-1457	68	18	roe	roe	NOUN
atssr-1457	68	19	variable	variable	NOUN
atssr-1457	68	20	is	be	AUX
atssr-1457	68	21	explained	explain	VERB
atssr-1457	68	22	by	by	ADP
atssr-1457	68	23	the	the	DET
atssr-1457	68	24	model	model	NOUN
atssr-1457	68	25	.	.	PUNCT
atssr-1457	69	1	that	that	PRON
atssr-1457	69	2	is	be	AUX
atssr-1457	69	3	,	,	PUNCT
atssr-1457	69	4	capital	capital	NOUN
atssr-1457	69	5	adequacy	adequacy	NOUN
atssr-1457	69	6	and	and	CCONJ
atssr-1457	69	7	non	non	ADJ
atssr-1457	69	8	-	-	ADJ
atssr-1457	69	9	performing	performing	ADJ
atssr-1457	69	10	loans	loan	NOUN
atssr-1457	69	11	explain	explain	VERB
atssr-1457	69	12	64.2	64.2	NUM
atssr-1457	69	13	%	%	NOUN
atssr-1457	69	14	of	of	ADP
atssr-1457	69	15	changes	change	NOUN
atssr-1457	69	16	in	in	ADP
atssr-1457	69	17	banks	bank	NOUN
atssr-1457	69	18	'	'	PART
atssr-1457	69	19	profitability	profitability	NOUN
atssr-1457	69	20	measured	measure	VERB
atssr-1457	69	21	by	by	ADP
atssr-1457	69	22	return	return	NOUN
atssr-1457	69	23	on	on	ADP
atssr-1457	69	24	equity	equity	NOUN
atssr-1457	69	25	.	.	PUNCT
atssr-1457	70	1	meanwhile	meanwhile	ADV
atssr-1457	70	2	,	,	PUNCT
atssr-1457	70	3	35.8	35.8	NUM
atssr-1457	70	4	%	%	NOUN
atssr-1457	70	5	is	be	AUX
atssr-1457	70	6	the	the	DET
atssr-1457	70	7	unexplained	unexplained	ADJ
atssr-1457	70	8	part	part	NOUN
atssr-1457	70	9	,	,	PUNCT
atssr-1457	70	10	which	which	PRON
atssr-1457	70	11	may	may	AUX
atssr-1457	70	12	be	be	AUX
atssr-1457	70	13	explained	explain	VERB
atssr-1457	70	14	by	by	ADP
atssr-1457	70	15	other	other	ADJ
atssr-1457	70	16	factors	factor	NOUN
atssr-1457	70	17	that	that	PRON
atssr-1457	70	18	are	be	AUX
atssr-1457	70	19	not	not	PART
atssr-1457	70	20	included	include	VERB
atssr-1457	70	21	in	in	ADP
atssr-1457	70	22	the	the	DET
atssr-1457	70	23	model	model	NOUN
atssr-1457	70	24	.	.	PUNCT
atssr-1457	71	1	correlation	correlation	NOUN
atssr-1457	71	2	coefficient	coefficient	NOUN
atssr-1457	71	3	r	r	NOUN
atssr-1457	71	4	=	=	NOUN
atssr-1457	71	5	0.815	0.815	NUM
atssr-1457	71	6	means	mean	VERB
atssr-1457	71	7	there	there	PRON
atssr-1457	71	8	is	be	VERB
atssr-1457	71	9	a	a	DET
atssr-1457	71	10	strong	strong	ADJ
atssr-1457	71	11	linear	linear	ADJ
atssr-1457	71	12	relationship	relationship	NOUN
atssr-1457	71	13	between	between	ADP
atssr-1457	71	14	the	the	DET
atssr-1457	71	15	roe	roe	NOUN
atssr-1457	71	16	-	-	PUNCT
atssr-1457	71	17	dependent	dependent	ADJ
atssr-1457	71	18	variables	variable	NOUN
atssr-1457	71	19	and	and	CCONJ
atssr-1457	71	20	the	the	DET
atssr-1457	71	21	independent	independent	ADJ
atssr-1457	71	22	npl	npl	NOUN
atssr-1457	71	23	and	and	CCONJ
atssr-1457	71	24	car	car	NOUN
atssr-1457	71	25	variables	variable	NOUN
atssr-1457	71	26	.	.	PUNCT
atssr-1457	72	1	asian	asian	ADJ
atssr-1457	72	2	themes	theme	NOUN
atssr-1457	72	3	in	in	ADP
atssr-1457	72	4	social	social	ADJ
atssr-1457	72	5	sciences	science	NOUN
atssr-1457	72	6	research	research	NOUN
atssr-1457	72	7	2018	2018	NUM
atssr-1457	72	8	,	,	PUNCT
atssr-1457	72	9	vol	vol	NOUN
atssr-1457	72	10	.	.	PROPN
atssr-1457	72	11	1	1	NUM
atssr-1457	72	12	,	,	PUNCT
atssr-1457	72	13	no	no	INTJ
atssr-1457	72	14	.	.	NOUN
atssr-1457	72	15	2	2	NUM
atssr-1457	72	16	,	,	PUNCT
atssr-1457	72	17	pp	pp	ADJ
atssr-1457	72	18	.	.	PUNCT
atssr-1457	73	1	44	44	NUM
atssr-1457	73	2	-	-	SYM
atssr-1457	73	3	49	49	NUM
atssr-1457	73	4	46	46	NUM
atssr-1457	73	5	©	©	PROPN
atssr-1457	73	6	2018	2018	NUM
atssr-1457	73	7	by	by	ADP
atssr-1457	73	8	the	the	DET
atssr-1457	73	9	authors	author	NOUN
atssr-1457	73	10	;	;	PUNCT
atssr-1457	73	11	licensee	licensee	VERB
atssr-1457	73	12	online	online	ADJ
atssr-1457	73	13	academic	academic	ADJ
atssr-1457	73	14	press	press	NOUN
atssr-1457	73	15	,	,	PUNCT
atssr-1457	73	16	usa	usa	PROPN
atssr-1457	73	17	table-2	table-2	PROPN
atssr-1457	73	18	.	.	PUNCT
atssr-1457	74	1	anova	anova	PROPN
atssr-1457	74	2	table	table	PROPN
atssr-1457	74	3	.	.	PUNCT
atssr-1457	75	1	anovaa	anovaa	PROPN
atssr-1457	75	2	model	model	PROPN
atssr-1457	75	3	sum	sum	PROPN
atssr-1457	75	4	of	of	ADP
atssr-1457	75	5	squares	square	NOUN
atssr-1457	75	6	df	df	PROPN
atssr-1457	75	7	mean	mean	PROPN
atssr-1457	75	8	square	square	PROPN
atssr-1457	75	9	f	f	PROPN
atssr-1457	75	10	sig	sig	PROPN
atssr-1457	75	11	.	.	PROPN
atssr-1457	75	12	1	1	NUM
atssr-1457	75	13	regression	regression	VERB
atssr-1457	75	14	3.088	3.088	NUM
atssr-1457	75	15	2	2	NUM
atssr-1457	75	16	1.544	1.544	NUM
atssr-1457	75	17	22.290	22.290	NUM
atssr-1457	75	18	.000	.000	NUM
atssr-1457	75	19	residual	residual	ADJ
atssr-1457	75	20	2.009	2.009	NUM
atssr-1457	75	21	29	29	NUM
atssr-1457	75	22	.069	.069	NUM
atssr-1457	75	23	total	total	NOUN
atssr-1457	75	24	5.097	5.097	NUM
atssr-1457	75	25	31	31	NUM
atssr-1457	75	26	2	2	NUM
atssr-1457	75	27	regression	regression	NOUN
atssr-1457	75	28	547.018	547.018	NUM
atssr-1457	75	29	2	2	NUM
atssr-1457	75	30	273.509	273.509	NUM
atssr-1457	75	31	28.747	28.747	NUM
atssr-1457	75	32	.000	.000	NUM
atssr-1457	75	33	residual	residual	ADJ
atssr-1457	75	34	275.917	275.917	NUM
atssr-1457	75	35	29	29	NUM
atssr-1457	75	36	9.514	9.514	NUM
atssr-1457	75	37	total	total	NOUN
atssr-1457	75	38	822.935	822.935	NUM
atssr-1457	75	39	31	31	NUM
atssr-1457	75	40	according	accord	VERB
atssr-1457	75	41	to	to	ADP
atssr-1457	75	42	the	the	DET
atssr-1457	75	43	results	result	NOUN
atssr-1457	75	44	in	in	ADP
atssr-1457	75	45	table	table	NOUN
atssr-1457	75	46	2	2	NUM
atssr-1457	75	47	,	,	PUNCT
atssr-1457	75	48	the	the	DET
atssr-1457	75	49	two	two	NUM
atssr-1457	75	50	hypotheses	hypothesis	NOUN
atssr-1457	75	51	are	be	AUX
atssr-1457	75	52	confirmed	confirm	VERB
atssr-1457	75	53	for	for	ADP
atssr-1457	75	54	the	the	DET
atssr-1457	75	55	importance	importance	NOUN
atssr-1457	75	56	of	of	ADP
atssr-1457	75	57	the	the	DET
atssr-1457	75	58	first	first	ADJ
atssr-1457	75	59	model	model	NOUN
atssr-1457	75	60	as	as	ADP
atssr-1457	75	61	a	a	DET
atssr-1457	75	62	whole	whole	NOUN
atssr-1457	75	63	.	.	PUNCT
atssr-1457	76	1	ho	ho	ADJ
atssr-1457	76	2	:	:	PUNCT
atssr-1457	76	3	independent	independent	ADJ
atssr-1457	76	4	variables	variable	NOUN
atssr-1457	76	5	,	,	PUNCT
atssr-1457	76	6	npl	npl	NOUN
atssr-1457	76	7	and	and	CCONJ
atssr-1457	76	8	car	car	NOUN
atssr-1457	76	9	do	do	AUX
atssr-1457	76	10	not	not	PART
atssr-1457	76	11	affect	affect	VERB
atssr-1457	76	12	the	the	DET
atssr-1457	76	13	dependent	dependent	ADJ
atssr-1457	76	14	variable	variable	ADJ
atssr-1457	76	15	roa	roa	NOUN
atssr-1457	76	16	.	.	PUNCT
atssr-1457	77	1	ha	ha	INTJ
atssr-1457	77	2	:	:	PUNCT
atssr-1457	77	3	independent	independent	ADJ
atssr-1457	77	4	variables	variable	NOUN
atssr-1457	77	5	,	,	PUNCT
atssr-1457	77	6	npl	npl	NOUN
atssr-1457	77	7	and	and	CCONJ
atssr-1457	77	8	car	car	NOUN
atssr-1457	77	9	affect	affect	VERB
atssr-1457	77	10	the	the	DET
atssr-1457	77	11	dependent	dependent	ADJ
atssr-1457	77	12	variable	variable	ADJ
atssr-1457	77	13	roa	roa	NOUN
atssr-1457	77	14	.	.	PUNCT
atssr-1457	78	1	for	for	ADP
atssr-1457	78	2	α	α	NOUN
atssr-1457	78	3	=	=	NOUN
atssr-1457	78	4	0.05	0.05	NUM
atssr-1457	78	5	p	p	NOUN
atssr-1457	78	6	=	=	PUNCT
atssr-1457	78	7	0.000	0.000	NUM
atssr-1457	78	8	<	<	X
atssr-1457	78	9	0.05	0.05	NUM
atssr-1457	78	10	→	→	SYM
atssr-1457	78	11	ho	ho	PROPN
atssr-1457	78	12	↓	↓	PROPN
atssr-1457	78	13	→	→	SYM
atssr-1457	78	14	ha	ha	INTJ
atssr-1457	78	15	↑	↑	PROPN
atssr-1457	78	16	so	so	ADV
atssr-1457	78	17	,	,	PUNCT
atssr-1457	78	18	the	the	DET
atssr-1457	78	19	basic	basic	ADJ
atssr-1457	78	20	hypothesis	hypothesis	NOUN
atssr-1457	78	21	falls	fall	VERB
atssr-1457	78	22	down	down	ADP
atssr-1457	78	23	and	and	CCONJ
atssr-1457	78	24	alternative	alternative	ADJ
atssr-1457	78	25	hypotheses	hypothesis	NOUN
atssr-1457	78	26	are	be	AUX
atssr-1457	78	27	accepted	accept	VERB
atssr-1457	78	28	.	.	PUNCT
atssr-1457	79	1	it	it	PRON
atssr-1457	79	2	is	be	AUX
atssr-1457	79	3	concluded	conclude	VERB
atssr-1457	79	4	that	that	SCONJ
atssr-1457	79	5	the	the	DET
atssr-1457	79	6	model	model	NOUN
atssr-1457	79	7	is	be	AUX
atssr-1457	79	8	important	important	ADJ
atssr-1457	79	9	in	in	ADP
atssr-1457	79	10	its	its	PRON
atssr-1457	79	11	entirety	entirety	NOUN
atssr-1457	79	12	,	,	PUNCT
atssr-1457	79	13	independent	independent	ADJ
atssr-1457	79	14	variables	variable	NOUN
atssr-1457	79	15	,	,	PUNCT
atssr-1457	79	16	therefore	therefore	ADV
atssr-1457	79	17	,	,	PUNCT
atssr-1457	79	18	non	non	ADJ
atssr-1457	79	19	-	-	ADJ
atssr-1457	79	20	performing	performing	ADJ
atssr-1457	79	21	loans	loan	NOUN
atssr-1457	79	22	and	and	CCONJ
atssr-1457	79	23	capital	capital	NOUN
atssr-1457	79	24	adequacy	adequacy	NOUN
atssr-1457	79	25	affect	affect	VERB
atssr-1457	79	26	the	the	DET
atssr-1457	79	27	dependent	dependent	ADJ
atssr-1457	79	28	variable	variable	NOUN
atssr-1457	79	29	of	of	ADP
atssr-1457	79	30	return	return	NOUN
atssr-1457	79	31	on	on	ADP
atssr-1457	79	32	assets	asset	NOUN
atssr-1457	79	33	.	.	PUNCT
atssr-1457	80	1	to	to	PART
atssr-1457	80	2	prove	prove	VERB
atssr-1457	80	3	the	the	DET
atssr-1457	80	4	hypothesis	hypothesis	NOUN
atssr-1457	80	5	is	be	AUX
atssr-1457	80	6	also	also	ADV
atssr-1457	80	7	found	find	VERB
atssr-1457	80	8	critical	critical	ADJ
atssr-1457	80	9	value	value	NOUN
atssr-1457	80	10	through	through	ADP
atssr-1457	80	11	fisher	fisher	PROPN
atssr-1457	80	12	distribution	distribution	NOUN
atssr-1457	80	13	.	.	PUNCT
atssr-1457	81	1	fc	fc	X
atssr-1457	82	1	=	=	SYM
atssr-1457	82	2	fk	fk	PROPN
atssr-1457	82	3	,	,	PUNCT
atssr-1457	82	4	n	n	CCONJ
atssr-1457	82	5	-	-	PUNCT
atssr-1457	82	6	k-1,α	k-1,α	NOUN
atssr-1457	82	7	=	=	SYM
atssr-1457	82	8	f2,29,0.05	f2,29,0.05	X
atssr-1457	82	9	=	=	NOUN
atssr-1457	82	10	3.3277	3.3277	NUM
atssr-1457	83	1	according	accord	VERB
atssr-1457	83	2	to	to	ADP
atssr-1457	83	3	the	the	DET
atssr-1457	83	4	results	result	NOUN
atssr-1457	83	5	in	in	ADP
atssr-1457	83	6	table	table	NOUN
atssr-1457	83	7	2	2	NUM
atssr-1457	83	8	,	,	PUNCT
atssr-1457	83	9	the	the	DET
atssr-1457	83	10	two	two	NUM
atssr-1457	83	11	hypotheses	hypothesis	NOUN
atssr-1457	83	12	are	be	AUX
atssr-1457	83	13	confirmed	confirm	VERB
atssr-1457	83	14	for	for	ADP
atssr-1457	83	15	the	the	DET
atssr-1457	83	16	importance	importance	NOUN
atssr-1457	83	17	of	of	ADP
atssr-1457	83	18	the	the	DET
atssr-1457	83	19	second	second	ADJ
atssr-1457	83	20	model	model	NOUN
atssr-1457	83	21	as	as	ADP
atssr-1457	83	22	a	a	DET
atssr-1457	83	23	whole	whole	NOUN
atssr-1457	83	24	.	.	PUNCT
atssr-1457	84	1	ho	ho	ADJ
atssr-1457	84	2	:	:	PUNCT
atssr-1457	84	3	independent	independent	ADJ
atssr-1457	84	4	variables	variable	NOUN
atssr-1457	84	5	,	,	PUNCT
atssr-1457	84	6	npl	npl	NOUN
atssr-1457	84	7	and	and	CCONJ
atssr-1457	84	8	car	car	NOUN
atssr-1457	84	9	do	do	AUX
atssr-1457	84	10	not	not	PART
atssr-1457	84	11	affect	affect	VERB
atssr-1457	84	12	the	the	DET
atssr-1457	84	13	dependent	dependent	ADJ
atssr-1457	84	14	variable	variable	ADJ
atssr-1457	84	15	roe	roe	NOUN
atssr-1457	84	16	.	.	PUNCT
atssr-1457	85	1	ha	ha	INTJ
atssr-1457	85	2	:	:	PUNCT
atssr-1457	85	3	independent	independent	ADJ
atssr-1457	85	4	variables	variable	NOUN
atssr-1457	85	5	,	,	PUNCT
atssr-1457	85	6	npl	npl	NOUN
atssr-1457	85	7	and	and	CCONJ
atssr-1457	85	8	car	car	NOUN
atssr-1457	85	9	affect	affect	VERB
atssr-1457	85	10	the	the	DET
atssr-1457	85	11	dependent	dependent	ADJ
atssr-1457	85	12	variable	variable	ADJ
atssr-1457	85	13	roe	roe	NOUN
atssr-1457	85	14	.	.	PUNCT
atssr-1457	86	1	for	for	ADP
atssr-1457	86	2	α	α	NOUN
atssr-1457	86	3	=	=	NOUN
atssr-1457	86	4	0.05	0.05	NUM
atssr-1457	86	5	p	p	NOUN
atssr-1457	86	6	=	=	PUNCT
atssr-1457	86	7	0.000	0.000	NUM
atssr-1457	86	8	<	<	X
atssr-1457	86	9	0.05	0.05	NUM
atssr-1457	86	10	→	→	SYM
atssr-1457	86	11	ho	ho	PROPN
atssr-1457	86	12	↓	↓	PROPN
atssr-1457	86	13	→	→	SYM
atssr-1457	86	14	ha	ha	PROPN
atssr-1457	86	15	↑	↑	PROPN
atssr-1457	86	16	thus	thus	ADV
atssr-1457	86	17	,	,	PUNCT
atssr-1457	86	18	the	the	DET
atssr-1457	86	19	basic	basic	ADJ
atssr-1457	86	20	hypothesis	hypothesis	NOUN
atssr-1457	86	21	falls	fall	VERB
atssr-1457	86	22	down	down	ADP
atssr-1457	86	23	and	and	CCONJ
atssr-1457	86	24	alternative	alternative	ADJ
atssr-1457	86	25	hypotheses	hypothesis	NOUN
atssr-1457	86	26	are	be	AUX
atssr-1457	86	27	accepted	accept	VERB
atssr-1457	86	28	,	,	PUNCT
atssr-1457	86	29	concluding	conclude	VERB
atssr-1457	86	30	that	that	SCONJ
atssr-1457	86	31	the	the	DET
atssr-1457	86	32	model	model	NOUN
atssr-1457	86	33	is	be	AUX
atssr-1457	86	34	important	important	ADJ
atssr-1457	86	35	in	in	ADP
atssr-1457	86	36	its	its	PRON
atssr-1457	86	37	entirety	entirety	NOUN
atssr-1457	86	38	,	,	PUNCT
atssr-1457	86	39	independent	independent	ADJ
atssr-1457	86	40	variables	variable	NOUN
atssr-1457	86	41	such	such	ADJ
atssr-1457	86	42	as	as	ADP
atssr-1457	86	43	non	non	ADJ
atssr-1457	86	44	-	-	ADJ
atssr-1457	86	45	performing	performing	ADJ
atssr-1457	86	46	loans	loan	NOUN
atssr-1457	86	47	and	and	CCONJ
atssr-1457	86	48	capital	capital	NOUN
atssr-1457	86	49	adequacy	adequacy	NOUN
atssr-1457	86	50	affect	affect	VERB
atssr-1457	86	51	the	the	DET
atssr-1457	86	52	variable	variable	ADJ
atssr-1457	86	53	variability	variability	NOUN
atssr-1457	86	54	of	of	ADP
atssr-1457	86	55	return	return	NOUN
atssr-1457	86	56	on	on	ADP
atssr-1457	86	57	equity	equity	NOUN
atssr-1457	86	58	.	.	PUNCT
atssr-1457	87	1	to	to	PART
atssr-1457	87	2	prove	prove	VERB
atssr-1457	87	3	the	the	DET
atssr-1457	87	4	hypothesis	hypothesis	NOUN
atssr-1457	87	5	is	be	AUX
atssr-1457	87	6	found	find	VERB
atssr-1457	87	7	critical	critical	ADJ
atssr-1457	87	8	value	value	NOUN
atssr-1457	87	9	through	through	ADP
atssr-1457	87	10	fisher	fisher	PROPN
atssr-1457	87	11	distribution	distribution	NOUN
atssr-1457	87	12	.	.	PUNCT
atssr-1457	88	1	fc	fc	X
atssr-1457	89	1	=	=	SYM
atssr-1457	89	2	fk	fk	PROPN
atssr-1457	89	3	,	,	PUNCT
atssr-1457	89	4	n	n	CCONJ
atssr-1457	89	5	-	-	PUNCT
atssr-1457	89	6	k-1,α	k-1,α	NOUN
atssr-1457	89	7	=	=	PUNCT
atssr-1457	89	8	f2,29,0.05	f2,29,0.05	X
atssr-1457	89	9	=	=	NOUN
atssr-1457	89	10	3.3277	3.3277	NUM
atssr-1457	89	11	chart-1	chart-1	NUM
atssr-1457	89	12	.	.	PUNCT
atssr-1457	90	1	fisher	fisher	PROPN
atssr-1457	90	2	distribution	distribution	NOUN
atssr-1457	90	3	.	.	PUNCT
atssr-1457	91	1	asian	asian	ADJ
atssr-1457	91	2	themes	theme	NOUN
atssr-1457	91	3	in	in	ADP
atssr-1457	91	4	social	social	ADJ
atssr-1457	91	5	sciences	science	NOUN
atssr-1457	91	6	research	research	NOUN
atssr-1457	91	7	2018	2018	NUM
atssr-1457	91	8	,	,	PUNCT
atssr-1457	91	9	vol	vol	NOUN
atssr-1457	91	10	.	.	PROPN
atssr-1457	91	11	1	1	NUM
atssr-1457	91	12	,	,	PUNCT
atssr-1457	91	13	no	no	INTJ
atssr-1457	91	14	.	.	NOUN
atssr-1457	91	15	2	2	NUM
atssr-1457	91	16	,	,	PUNCT
atssr-1457	91	17	pp	pp	ADJ
atssr-1457	91	18	.	.	PUNCT
atssr-1457	92	1	44	44	NUM
atssr-1457	92	2	-	-	SYM
atssr-1457	92	3	49	49	NUM
atssr-1457	92	4	47	47	NUM
atssr-1457	92	5	©	©	PROPN
atssr-1457	92	6	2018	2018	NUM
atssr-1457	92	7	by	by	ADP
atssr-1457	92	8	the	the	DET
atssr-1457	92	9	authors	author	NOUN
atssr-1457	92	10	;	;	PUNCT
atssr-1457	92	11	licensee	licensee	VERB
atssr-1457	92	12	online	online	ADJ
atssr-1457	92	13	academic	academic	ADJ
atssr-1457	92	14	press	press	NOUN
atssr-1457	92	15	,	,	PUNCT
atssr-1457	92	16	usa	usa	PROPN
atssr-1457	92	17	chart-2	chart-2	PROPN
atssr-1457	92	18	.	.	PROPN
atssr-1457	92	19	fisher	fisher	PROPN
atssr-1457	92	20	distribution	distribution	NOUN
atssr-1457	92	21	.	.	PUNCT
atssr-1457	93	1	based	base	VERB
atssr-1457	93	2	on	on	ADP
atssr-1457	93	3	the	the	DET
atssr-1457	93	4	results	result	NOUN
atssr-1457	93	5	in	in	ADP
atssr-1457	93	6	tables	table	NOUN
atssr-1457	93	7	3	3	NUM
atssr-1457	93	8	and	and	CCONJ
atssr-1457	93	9	4	4	NUM
atssr-1457	93	10	,	,	PUNCT
atssr-1457	93	11	are	be	AUX
atssr-1457	93	12	also	also	ADV
atssr-1457	93	13	presented	present	VERB
atssr-1457	93	14	the	the	DET
atssr-1457	93	15	estimated	estimate	VERB
atssr-1457	93	16	equations	equation	NOUN
atssr-1457	93	17	(	(	PUNCT
atssr-1457	93	18	for	for	ADP
atssr-1457	93	19	roa	roa	NOUN
atssr-1457	93	20	and	and	CCONJ
atssr-1457	93	21	roe	roe	PROPN
atssr-1457	93	22	)	)	PUNCT
atssr-1457	93	23	and	and	CCONJ
atssr-1457	93	24	the	the	DET
atssr-1457	93	25	interpretation	interpretation	NOUN
atssr-1457	93	26	of	of	ADP
atssr-1457	93	27	the	the	DET
atssr-1457	93	28	coefficients	coefficient	NOUN
atssr-1457	93	29	.	.	PUNCT
atssr-1457	94	1	table-3	table-3	NUM
atssr-1457	94	2	.	.	PUNCT
atssr-1457	95	1	coefficient	coefficient	NOUN
atssr-1457	95	2	table	table	NOUN
atssr-1457	95	3	(	(	PUNCT
atssr-1457	95	4	roa	roa	NOUN
atssr-1457	95	5	)	)	PUNCT
atssr-1457	95	6	.	.	PUNCT
atssr-1457	96	1	coefficients	coefficient	NOUN
atssr-1457	96	2	model	model	VERB
atssr-1457	96	3	unstandardized	unstandardized	ADJ
atssr-1457	96	4	coefficients	coefficient	NOUN
atssr-1457	96	5	standardized	standardize	VERB
atssr-1457	96	6	coefficients	coefficient	NOUN
atssr-1457	96	7	t	t	PROPN
atssr-1457	96	8	sig	sig	PROPN
atssr-1457	96	9	.	.	PUNCT
atssr-1457	97	1	b	b	X
atssr-1457	97	2	std	std	PROPN
atssr-1457	97	3	.	.	NOUN
atssr-1457	97	4	error	error	NOUN
atssr-1457	97	5	beta	beta	NOUN
atssr-1457	97	6	1	1	NUM
atssr-1457	97	7	(	(	PUNCT
atssr-1457	97	8	constant	constant	ADJ
atssr-1457	97	9	)	)	PUNCT
atssr-1457	97	10	-3.641	-3.641	NOUN
atssr-1457	97	11	.979	.979	NUM
atssr-1457	97	12	-3.720	-3.720	PROPN
atssr-1457	97	13	.001	.001	NUM
atssr-1457	97	14	npl	npl	PROPN
atssr-1457	97	15	-.018	-.018	PROPN
atssr-1457	97	16	.007	.007	NUM
atssr-1457	97	17	-.327	-.327	PROPN
atssr-1457	97	18	-2.668	-2.668	PUNCT
atssr-1457	97	19	.012	.012	NUM
atssr-1457	97	20	car	car	NOUN
atssr-1457	97	21	.287	.287	NUM
atssr-1457	97	22	.058	.058	NUM
atssr-1457	97	23	.612	.612	NUM
atssr-1457	97	24	4.995	4.995	NUM
atssr-1457	97	25	.000	.000	NUM
atssr-1457	97	26	first	first	ADJ
atssr-1457	97	27	equation	equation	NOUN
atssr-1457	97	28	estimated	estimate	VERB
atssr-1457	97	29	:	:	PUNCT
atssr-1457	97	30	y	y	PROPN
atssr-1457	97	31	̂	̂	PROPN
atssr-1457	97	32	=	=	PROPN
atssr-1457	97	33	-3.641	-3.641	X
atssr-1457	97	34	0.018x1	0.018x1	NUM
atssr-1457	97	35	+	+	CCONJ
atssr-1457	97	36	0.287x2	0.287x2	VERB
atssr-1457	97	37	if	if	SCONJ
atssr-1457	97	38	banks	bank	NOUN
atssr-1457	97	39	keep	keep	VERB
atssr-1457	97	40	constant	constant	ADJ
atssr-1457	97	41	capital	capital	NOUN
atssr-1457	97	42	adequacy	adequacy	NOUN
atssr-1457	97	43	(	(	PUNCT
atssr-1457	97	44	x2	x2	ADJ
atssr-1457	97	45	)	)	PUNCT
atssr-1457	97	46	and	and	CCONJ
atssr-1457	97	47	increase	increase	VERB
atssr-1457	97	48	the	the	DET
atssr-1457	97	49	rate	rate	NOUN
atssr-1457	97	50	of	of	ADP
atssr-1457	97	51	non	non	ADJ
atssr-1457	97	52	-	-	ADJ
atssr-1457	97	53	performing	performing	ADJ
atssr-1457	97	54	loans	loan	NOUN
atssr-1457	97	55	with	with	ADP
atssr-1457	97	56	a	a	DET
atssr-1457	97	57	unit	unit	NOUN
atssr-1457	97	58	then	then	ADV
atssr-1457	97	59	return	return	VERB
atssr-1457	97	60	on	on	ADP
atssr-1457	97	61	assets	asset	NOUN
atssr-1457	97	62	will	will	AUX
atssr-1457	97	63	decrease	decrease	VERB
atssr-1457	97	64	to	to	ADP
atssr-1457	97	65	an	an	DET
atssr-1457	97	66	average	average	NOUN
atssr-1457	97	67	of	of	ADP
atssr-1457	97	68	0,018	0,018	NUM
atssr-1457	97	69	units	unit	NOUN
atssr-1457	97	70	.	.	PUNCT
atssr-1457	98	1	thus	thus	ADV
atssr-1457	98	2	,	,	PUNCT
atssr-1457	98	3	the	the	DET
atssr-1457	98	4	growth	growth	NOUN
atssr-1457	98	5	with	with	ADP
atssr-1457	98	6	a	a	DET
atssr-1457	98	7	credit	credit	NOUN
atssr-1457	98	8	risk	risk	NOUN
atssr-1457	98	9	unit	unit	NOUN
atssr-1457	98	10	will	will	AUX
atssr-1457	98	11	decrease	decrease	VERB
atssr-1457	98	12	the	the	DET
atssr-1457	98	13	roa	roa	NOUN
atssr-1457	98	14	by	by	ADP
atssr-1457	98	15	(	(	PUNCT
atssr-1457	98	16	0.018	0.018	NUM
atssr-1457	98	17	)	)	PUNCT
atssr-1457	98	18	to	to	ADP
atssr-1457	98	19	1.8	1.8	NUM
atssr-1457	98	20	%	%	NOUN
atssr-1457	98	21	.	.	PUNCT
atssr-1457	99	1	if	if	SCONJ
atssr-1457	99	2	banks	bank	NOUN
atssr-1457	99	3	keep	keep	VERB
atssr-1457	99	4	constant	constant	ADJ
atssr-1457	99	5	the	the	DET
atssr-1457	99	6	problem	problem	NOUN
atssr-1457	99	7	of	of	ADP
atssr-1457	99	8	problem	problem	NOUN
atssr-1457	99	9	loans	loan	NOUN
atssr-1457	99	10	(	(	PUNCT
atssr-1457	99	11	x	x	NOUN
atssr-1457	99	12	1	1	X
atssr-1457	99	13	)	)	PUNCT
atssr-1457	99	14	and	and	CCONJ
atssr-1457	99	15	increase	increase	VERB
atssr-1457	99	16	the	the	DET
atssr-1457	99	17	capital	capital	NOUN
atssr-1457	99	18	adequacy	adequacy	NOUN
atssr-1457	99	19	rate	rate	NOUN
atssr-1457	99	20	with	with	ADP
atssr-1457	99	21	a	a	DET
atssr-1457	99	22	unit	unit	NOUN
atssr-1457	99	23	then	then	ADV
atssr-1457	99	24	return	return	VERB
atssr-1457	99	25	on	on	ADP
atssr-1457	99	26	assets	asset	NOUN
atssr-1457	99	27	will	will	AUX
atssr-1457	99	28	increase	increase	VERB
atssr-1457	99	29	to	to	ADP
atssr-1457	99	30	an	an	DET
atssr-1457	99	31	average	average	NOUN
atssr-1457	99	32	of	of	ADP
atssr-1457	99	33	0.287	0.287	NUM
atssr-1457	99	34	ie	ie	ADV
atssr-1457	99	35	by	by	ADP
atssr-1457	99	36	28.7	28.7	NUM
atssr-1457	99	37	%	%	NOUN
atssr-1457	99	38	.	.	PUNCT
atssr-1457	100	1	thus	thus	ADV
atssr-1457	100	2	,	,	PUNCT
atssr-1457	100	3	the	the	DET
atssr-1457	100	4	increase	increase	NOUN
atssr-1457	100	5	with	with	ADP
atssr-1457	100	6	a	a	DET
atssr-1457	100	7	capital	capital	NOUN
atssr-1457	100	8	adequacy	adequacy	NOUN
atssr-1457	100	9	unit	unit	NOUN
atssr-1457	100	10	will	will	AUX
atssr-1457	100	11	increase	increase	VERB
atssr-1457	100	12	roa	roa	NOUN
atssr-1457	100	13	by	by	ADP
atssr-1457	100	14	28.7	28.7	NUM
atssr-1457	100	15	%	%	NOUN
atssr-1457	100	16	.	.	PUNCT
atssr-1457	101	1	table-3	table-3	X
atssr-1457	101	2	.	.	PUNCT
atssr-1457	102	1	coefficient	coefficient	NOUN
atssr-1457	102	2	table	table	NOUN
atssr-1457	102	3	(	(	PUNCT
atssr-1457	102	4	roe	roe	NOUN
atssr-1457	102	5	)	)	PUNCT
atssr-1457	102	6	.	.	PUNCT
atssr-1457	103	1	model	model	PROPN
atssr-1457	103	2	unstandardized	unstandardized	ADJ
atssr-1457	103	3	coefficients	coefficient	NOUN
atssr-1457	103	4	standardized	standardize	VERB
atssr-1457	103	5	coefficients	coefficient	NOUN
atssr-1457	103	6	t	t	PROPN
atssr-1457	103	7	sig	sig	PROPN
atssr-1457	103	8	.	.	PUNCT
atssr-1457	104	1	b	b	X
atssr-1457	104	2	std	std	PROPN
atssr-1457	104	3	.	.	NOUN
atssr-1457	104	4	error	error	NOUN
atssr-1457	104	5	beta	beta	NOUN
atssr-1457	104	6	1	1	NUM
atssr-1457	104	7	(	(	PUNCT
atssr-1457	104	8	constant	constant	ADJ
atssr-1457	104	9	)	)	PUNCT
atssr-1457	104	10	-46.863	-46.863	PROPN
atssr-1457	104	11	11.472	11.472	NUM
atssr-1457	104	12	-4.085	-4.085	SYM
atssr-1457	104	13	.000	.000	NUM
atssr-1457	104	14	npl	npl	NOUN
atssr-1457	104	15	-.265	-.265	PROPN
atssr-1457	104	16	.080	.080	NUM
atssr-1457	104	17	-.375	-.375	PROPN
atssr-1457	104	18	-3.320	-3.320	PUNCT
atssr-1457	104	19	.002	.002	NUM
atssr-1457	104	20	car	car	NOUN
atssr-1457	104	21	3.680	3.680	NUM
atssr-1457	104	22	.675	.675	NUM
atssr-1457	104	23	.617	.617	NUM
atssr-1457	104	24	5.456	5.456	NUM
atssr-1457	104	25	.000	.000	NUM
atssr-1457	104	26	second	second	ADJ
atssr-1457	104	27	equation	equation	NOUN
atssr-1457	104	28	estimated	estimate	VERB
atssr-1457	104	29	:	:	PUNCT
atssr-1457	104	30	y	y	PROPN
atssr-1457	104	31	̂	̂	PROPN
atssr-1457	104	32	=	=	SYM
atssr-1457	104	33	-46.863	-46.863	X
atssr-1457	104	34	0.2658x1	0.2658x1	NUM
atssr-1457	105	1	+	+	CCONJ
atssr-1457	105	2	3.680x2	3.680x2	NUM
atssr-1457	105	3	if	if	SCONJ
atssr-1457	105	4	banks	bank	NOUN
atssr-1457	105	5	keep	keep	VERB
atssr-1457	105	6	constant	constant	ADJ
atssr-1457	105	7	capital	capital	NOUN
atssr-1457	105	8	adequacy	adequacy	NOUN
atssr-1457	105	9	(	(	PUNCT
atssr-1457	105	10	x2	x2	ADJ
atssr-1457	105	11	)	)	PUNCT
atssr-1457	105	12	and	and	CCONJ
atssr-1457	105	13	raise	raise	VERB
atssr-1457	105	14	non	non	ADJ
atssr-1457	105	15	-	-	ADJ
atssr-1457	105	16	performing	performing	ADJ
atssr-1457	105	17	loans	loan	NOUN
atssr-1457	105	18	with	with	ADP
atssr-1457	105	19	a	a	DET
atssr-1457	105	20	unit	unit	NOUN
atssr-1457	105	21	(	(	PUNCT
atssr-1457	105	22	x1	x1	PROPN
atssr-1457	105	23	)	)	PUNCT
atssr-1457	105	24	then	then	ADV
atssr-1457	105	25	return	return	VERB
atssr-1457	105	26	on	on	ADP
atssr-1457	105	27	equity	equity	NOUN
atssr-1457	105	28	will	will	AUX
atssr-1457	105	29	decrease	decrease	VERB
atssr-1457	105	30	to	to	ADP
atssr-1457	105	31	an	an	DET
atssr-1457	105	32	average	average	NOUN
atssr-1457	105	33	of	of	ADP
atssr-1457	105	34	0.265	0.265	NUM
atssr-1457	105	35	ie	ie	ADV
atssr-1457	105	36	by	by	ADP
atssr-1457	105	37	26.5	26.5	NUM
atssr-1457	105	38	%	%	NOUN
atssr-1457	105	39	.	.	PUNCT
atssr-1457	106	1	thus	thus	ADV
atssr-1457	106	2	,	,	PUNCT
atssr-1457	106	3	the	the	DET
atssr-1457	106	4	growt	growt	NOUN
atssr-1457	106	5	h	h	NOUN
atssr-1457	106	6	of	of	ADP
atssr-1457	106	7	a	a	DET
atssr-1457	106	8	credit	credit	NOUN
atssr-1457	106	9	risk	risk	NOUN
atssr-1457	106	10	unit	unit	NOUN
atssr-1457	106	11	will	will	AUX
atssr-1457	106	12	lead	lead	VERB
atssr-1457	106	13	to	to	ADP
atssr-1457	106	14	a	a	DET
atssr-1457	106	15	decline	decline	NOUN
atssr-1457	106	16	in	in	ADP
atssr-1457	106	17	roe	roe	NOUN
atssr-1457	106	18	by	by	ADP
atssr-1457	106	19	(	(	PUNCT
atssr-1457	106	20	26.5	26.5	NUM
atssr-1457	106	21	%	%	NOUN
atssr-1457	106	22	)	)	PUNCT
atssr-1457	106	23	.	.	PUNCT
atssr-1457	107	1	if	if	SCONJ
atssr-1457	107	2	banks	bank	NOUN
atssr-1457	107	3	keep	keep	VERB
atssr-1457	107	4	the	the	DET
atssr-1457	107	5	problem	problem	NOUN
atssr-1457	107	6	of	of	ADP
atssr-1457	107	7	non	non	ADJ
atssr-1457	107	8	-	-	ADJ
atssr-1457	107	9	performing	perform	VERB
atssr-1457	107	10	loans	loan	NOUN
atssr-1457	107	11	constant	constant	ADJ
atssr-1457	107	12	(	(	PUNCT
atssr-1457	107	13	x1	x1	PROPN
atssr-1457	107	14	)	)	PUNCT
atssr-1457	107	15	and	and	CCONJ
atssr-1457	107	16	increase	increase	VERB
atssr-1457	107	17	the	the	DET
atssr-1457	107	18	capital	capital	NOUN
atssr-1457	107	19	adequacy	adequacy	NOUN
atssr-1457	107	20	ratio	ratio	NOUN
atssr-1457	107	21	with	with	ADP
atssr-1457	107	22	a	a	DET
atssr-1457	107	23	unit	unit	NOUN
atssr-1457	107	24	(	(	PUNCT
atssr-1457	107	25	x2	x2	PROPN
atssr-1457	107	26	)	)	PUNCT
atssr-1457	107	27	then	then	ADV
atssr-1457	107	28	the	the	DET
atssr-1457	107	29	return	return	NOUN
atssr-1457	107	30	on	on	ADP
atssr-1457	107	31	equity	equity	NOUN
atssr-1457	107	32	will	will	AUX
atssr-1457	107	33	increase	increase	VERB
atssr-1457	107	34	to	to	ADP
atssr-1457	107	35	an	an	DET
atssr-1457	107	36	average	average	NOUN
atssr-1457	107	37	of	of	ADP
atssr-1457	107	38	3,680	3,680	NUM
atssr-1457	107	39	.	.	PUNCT
atssr-1457	108	1	thus	thus	ADV
atssr-1457	108	2	,	,	PUNCT
atssr-1457	108	3	the	the	DET
atssr-1457	108	4	increase	increase	NOUN
atssr-1457	108	5	with	with	ADP
atssr-1457	108	6	a	a	DET
atssr-1457	108	7	capital	capital	NOUN
atssr-1457	108	8	adequacy	adequacy	NOUN
atssr-1457	108	9	unit	unit	NOUN
atssr-1457	108	10	will	will	AUX
atssr-1457	108	11	lead	lead	VERB
atssr-1457	108	12	to	to	ADP
atssr-1457	108	13	an	an	DET
atssr-1457	108	14	roe	roe	NOUN
atssr-1457	108	15	increase	increase	NOUN
atssr-1457	108	16	of	of	ADP
atssr-1457	108	17	3,680	3,680	NUM
atssr-1457	108	18	units	unit	NOUN
atssr-1457	108	19	.	.	PUNCT
atssr-1457	109	1	4	4	X
atssr-1457	109	2	.	.	X
atssr-1457	109	3	conclusions	conclusion	NOUN
atssr-1457	109	4	based	base	VERB
atssr-1457	109	5	on	on	ADP
atssr-1457	109	6	the	the	DET
atssr-1457	109	7	above	above	ADJ
atssr-1457	109	8	analysis	analysis	NOUN
atssr-1457	109	9	,	,	PUNCT
atssr-1457	109	10	it	it	PRON
atssr-1457	109	11	was	be	AUX
atssr-1457	109	12	concluded	conclude	VERB
atssr-1457	109	13	that	that	SCONJ
atssr-1457	109	14	credit	credit	NOUN
atssr-1457	109	15	risk	risk	NOUN
atssr-1457	109	16	has	have	VERB
atssr-1457	109	17	a	a	DET
atssr-1457	109	18	significant	significant	ADJ
atssr-1457	109	19	impact	impact	NOUN
atssr-1457	109	20	on	on	ADP
atssr-1457	109	21	the	the	DET
atssr-1457	109	22	profitability	profitability	NOUN
atssr-1457	109	23	of	of	ADP
atssr-1457	109	24	commercial	commercial	ADJ
atssr-1457	109	25	banks	bank	NOUN
atssr-1457	109	26	by	by	ADP
atssr-1457	109	27	verifying	verify	VERB
atssr-1457	109	28	the	the	DET
atssr-1457	109	29	hypothesis	hypothesis	NOUN
atssr-1457	109	30	.	.	PUNCT
atssr-1457	110	1	some	some	DET
atssr-1457	110	2	specific	specific	ADJ
atssr-1457	110	3	endings	ending	NOUN
atssr-1457	110	4	were	be	AUX
atssr-1457	110	5	also	also	ADV
atssr-1457	110	6	achieved	achieve	VERB
atssr-1457	110	7	,	,	PUNCT
atssr-1457	110	8	such	such	ADJ
atssr-1457	110	9	as	as	ADP
atssr-1457	110	10	:	:	PUNCT
atssr-1457	110	11	▪	▪	NOUN
atssr-1457	110	12	the	the	DET
atssr-1457	110	13	results	result	NOUN
atssr-1457	110	14	showed	show	VERB
atssr-1457	110	15	that	that	SCONJ
atssr-1457	110	16	there	there	PRON
atssr-1457	110	17	is	be	VERB
atssr-1457	110	18	a	a	DET
atssr-1457	110	19	negative	negative	ADJ
atssr-1457	110	20	relationship	relationship	NOUN
atssr-1457	110	21	between	between	ADP
atssr-1457	110	22	credit	credit	NOUN
atssr-1457	110	23	risk	risk	NOUN
atssr-1457	110	24	and	and	CCONJ
atssr-1457	110	25	profitability	profitability	NOUN
atssr-1457	110	26	roa	roa	NOUN
atssr-1457	110	27	and	and	CCONJ
atssr-1457	110	28	roe	roe	NOUN
atssr-1457	110	29	,	,	PUNCT
atssr-1457	110	30	hence	hence	ADV
atssr-1457	110	31	there	there	PRON
atssr-1457	110	32	is	be	VERB
atssr-1457	110	33	a	a	DET
atssr-1457	110	34	correlation	correlation	NOUN
atssr-1457	110	35	with	with	ADP
atssr-1457	110	36	profitability	profitability	NOUN
atssr-1457	110	37	.	.	PUNCT
atssr-1457	111	1	credit	credit	NOUN
atssr-1457	111	2	risk	risk	NOUN
atssr-1457	111	3	remains	remain	VERB
atssr-1457	111	4	the	the	DET
atssr-1457	111	5	most	most	ADV
atssr-1457	111	6	important	important	ADJ
atssr-1457	111	7	risk	risk	NOUN
atssr-1457	111	8	faced	face	VERB
atssr-1457	111	9	by	by	ADP
atssr-1457	111	10	commercial	commercial	ADJ
atssr-1457	111	11	banks	bank	NOUN
atssr-1457	111	12	,	,	PUNCT
atssr-1457	111	13	so	so	CCONJ
atssr-1457	111	14	its	its	PRON
atssr-1457	111	15	accurate	accurate	ADJ
atssr-1457	111	16	measurement	measurement	NOUN
atssr-1457	111	17	and	and	CCONJ
atssr-1457	111	18	credit	credit	NOUN
atssr-1457	111	19	risk	risk	NOUN
atssr-1457	111	20	management	management	NOUN
atssr-1457	111	21	is	be	AUX
atssr-1457	111	22	of	of	ADP
atssr-1457	111	23	crucial	crucial	ADJ
atssr-1457	111	24	importance	importance	NOUN
atssr-1457	111	25	.	.	PUNCT
atssr-1457	112	1	the	the	DET
atssr-1457	112	2	relationship	relationship	NOUN
atssr-1457	112	3	between	between	ADP
atssr-1457	112	4	credit	credit	NOUN
atssr-1457	112	5	risk	risk	NOUN
atssr-1457	112	6	and	and	CCONJ
atssr-1457	112	7	profitability	profitability	NOUN
atssr-1457	112	8	was	be	AUX
atssr-1457	112	9	expected	expect	VERB
atssr-1457	112	10	to	to	PART
atssr-1457	112	11	be	be	AUX
atssr-1457	112	12	negative	negative	ADJ
atssr-1457	112	13	,	,	PUNCT
atssr-1457	112	14	given	give	VERB
atssr-1457	112	15	that	that	SCONJ
atssr-1457	112	16	the	the	DET
atssr-1457	112	17	more	more	ADV
atssr-1457	112	18	unprofitable	unprofitable	ADJ
atssr-1457	112	19	loans	loan	NOUN
atssr-1457	112	20	a	a	DET
atssr-1457	112	21	bank	bank	NOUN
atssr-1457	112	22	has	have	VERB
atssr-1457	112	23	,	,	PUNCT
atssr-1457	112	24	the	the	PRON
atssr-1457	112	25	more	more	ADJ
atssr-1457	112	26	the	the	DET
atssr-1457	112	27	bank	bank	NOUN
atssr-1457	112	28	's	's	PART
atssr-1457	112	29	profitability	profitability	NOUN
atssr-1457	112	30	will	will	AUX
atssr-1457	112	31	be	be	AUX
atssr-1457	112	32	reduced	reduce	VERB
atssr-1457	112	33	.	.	PUNCT
atssr-1457	113	1	▪	▪	NOUN
atssr-1457	113	2	the	the	DET
atssr-1457	113	3	results	result	NOUN
atssr-1457	113	4	showed	show	VERB
atssr-1457	113	5	that	that	SCONJ
atssr-1457	113	6	capital	capital	NOUN
atssr-1457	113	7	adequacy	adequacy	NOUN
atssr-1457	113	8	has	have	VERB
atssr-1457	113	9	a	a	DET
atssr-1457	113	10	positive	positive	ADJ
atssr-1457	113	11	relationship	relationship	NOUN
atssr-1457	113	12	with	with	ADP
atssr-1457	113	13	two	two	NUM
atssr-1457	113	14	profitability	profitability	NOUN
atssr-1457	113	15	variables	variable	NOUN
atssr-1457	113	16	with	with	ADP
atssr-1457	113	17	return	return	NOUN
atssr-1457	113	18	on	on	ADP
atssr-1457	113	19	assets	asset	NOUN
atssr-1457	113	20	and	and	CCONJ
atssr-1457	113	21	return	return	VERB
atssr-1457	113	22	on	on	ADP
atssr-1457	113	23	equity	equity	NOUN
atssr-1457	113	24	.	.	PUNCT
atssr-1457	114	1	more	more	ADV
atssr-1457	114	2	importantly	importantly	ADV
atssr-1457	114	3	,	,	PUNCT
atssr-1457	114	4	capital	capital	NOUN
atssr-1457	114	5	adequacy	adequacy	NOUN
atssr-1457	114	6	has	have	VERB
atssr-1457	114	7	a	a	DET
atssr-1457	114	8	return	return	NOUN
atssr-1457	114	9	on	on	ADP
atssr-1457	114	10	equity	equity	NOUN
atssr-1457	114	11	with	with	ADP
atssr-1457	114	12	a	a	DET
atssr-1457	114	13	higher	high	ADJ
atssr-1457	114	14	statistical	statistical	ADJ
atssr-1457	114	15	value	value	NOUN
atssr-1457	114	16	than	than	ADP
atssr-1457	114	17	the	the	DET
atssr-1457	114	18	return	return	NOUN
atssr-1457	114	19	on	on	ADP
atssr-1457	114	20	assets	asset	NOUN
atssr-1457	114	21	.	.	PUNCT
atssr-1457	115	1	capital	capital	NOUN
atssr-1457	115	2	adequacy	adequacy	NOUN
atssr-1457	115	3	ratio	ratio	NOUN
atssr-1457	115	4	is	be	AUX
atssr-1457	115	5	one	one	NUM
atssr-1457	115	6	of	of	ADP
atssr-1457	115	7	the	the	DET
atssr-1457	115	8	most	most	ADV
atssr-1457	115	9	important	important	ADJ
atssr-1457	115	10	variables	variable	NOUN
atssr-1457	115	11	to	to	PART
atssr-1457	115	12	measure	measure	VERB
atssr-1457	115	13	the	the	DET
atssr-1457	115	14	profitability	profitability	NOUN
atssr-1457	115	15	of	of	ADP
atssr-1457	115	16	commercial	commercial	ADJ
atssr-1457	115	17	banks	bank	NOUN
atssr-1457	115	18	,	,	PUNCT
atssr-1457	115	19	because	because	SCONJ
atssr-1457	115	20	a	a	DET
atssr-1457	115	21	strong	strong	ADJ
atssr-1457	115	22	capital	capital	NOUN
atssr-1457	115	23	bank	bank	NOUN
atssr-1457	115	24	is	be	AUX
atssr-1457	115	25	able	able	ADJ
atssr-1457	115	26	to	to	PART
atssr-1457	115	27	pursue	pursue	VERB
atssr-1457	115	28	more	more	ADV
atssr-1457	115	29	efficiently	efficiently	ADV
atssr-1457	115	30	and	and	CCONJ
atssr-1457	115	31	has	have	VERB
atssr-1457	115	32	more	more	ADJ
atssr-1457	115	33	time	time	NOUN
atssr-1457	115	34	and	and	CCONJ
atssr-1457	115	35	flexibility	flexibility	NOUN
atssr-1457	115	36	to	to	ADP
atssr-1457	115	37	dealing	deal	VERB
atssr-1457	115	38	with	with	ADP
atssr-1457	115	39	problems	problem	NOUN
atssr-1457	115	40	arising	arise	VERB
atssr-1457	115	41	asian	asian	ADJ
atssr-1457	115	42	themes	theme	NOUN
atssr-1457	115	43	in	in	ADP
atssr-1457	115	44	social	social	ADJ
atssr-1457	115	45	sciences	science	NOUN
atssr-1457	115	46	research	research	NOUN
atssr-1457	115	47	2018	2018	NUM
atssr-1457	115	48	,	,	PUNCT
atssr-1457	115	49	vol	vol	NOUN
atssr-1457	115	50	.	.	PROPN
atssr-1457	115	51	1	1	NUM
atssr-1457	115	52	,	,	PUNCT
atssr-1457	115	53	no	no	INTJ
atssr-1457	115	54	.	.	NOUN
atssr-1457	115	55	2	2	NUM
atssr-1457	115	56	,	,	PUNCT
atssr-1457	115	57	pp	pp	ADJ
atssr-1457	115	58	.	.	PUNCT
atssr-1457	116	1	44	44	NUM
atssr-1457	116	2	-	-	SYM
atssr-1457	116	3	49	49	NUM
atssr-1457	116	4	48	48	NUM
atssr-1457	116	5	©	©	PROPN
atssr-1457	116	6	2018	2018	NUM
atssr-1457	116	7	by	by	ADP
atssr-1457	116	8	the	the	DET
atssr-1457	116	9	authors	author	NOUN
atssr-1457	116	10	;	;	PUNCT
atssr-1457	116	11	licensee	licensee	VERB
atssr-1457	116	12	online	online	ADJ
atssr-1457	116	13	academic	academic	ADJ
atssr-1457	116	14	press	press	NOUN
atssr-1457	116	15	,	,	PUNCT
atssr-1457	116	16	usa	usa	PROPN
atssr-1457	116	17	from	from	ADP
atssr-1457	116	18	unexpected	unexpected	ADJ
atssr-1457	116	19	losses	loss	NOUN
atssr-1457	116	20	,	,	PUNCT
atssr-1457	116	21	thus	thus	ADV
atssr-1457	116	22	increasing	increase	VERB
atssr-1457	116	23	profitability	profitability	NOUN
atssr-1457	116	24	.	.	PUNCT
atssr-1457	117	1	thus	thus	ADV
atssr-1457	117	2	,	,	PUNCT
atssr-1457	117	3	from	from	ADP
atssr-1457	117	4	the	the	DET
atssr-1457	117	5	data	datum	NOUN
atssr-1457	117	6	analyzed	analyze	VERB
atssr-1457	117	7	in	in	ADP
atssr-1457	117	8	this	this	DET
atssr-1457	117	9	study	study	NOUN
atssr-1457	117	10	it	it	PRON
atssr-1457	117	11	is	be	AUX
atssr-1457	117	12	noticed	notice	VERB
atssr-1457	117	13	that	that	SCONJ
atssr-1457	117	14	capital	capital	NOUN
atssr-1457	117	15	adequacy	adequacy	NOUN
atssr-1457	117	16	has	have	VERB
atssr-1457	117	17	value	value	NOUN
atssr-1457	117	18	for	for	ADP
atssr-1457	117	19	profitability	profitability	NOUN
atssr-1457	117	20	.	.	PUNCT
atssr-1457	118	1	▪	▪	NOUN
atssr-1457	118	2	just	just	ADV
atssr-1457	118	3	as	as	SCONJ
atssr-1457	118	4	non	non	ADJ
atssr-1457	118	5	-	-	ADJ
atssr-1457	118	6	performing	performing	ADJ
atssr-1457	118	7	loans	loan	NOUN
atssr-1457	118	8	and	and	CCONJ
atssr-1457	118	9	capital	capital	NOUN
atssr-1457	118	10	adequacy	adequacy	NOUN
atssr-1457	118	11	influenced	influence	VERB
atssr-1457	118	12	both	both	DET
atssr-1457	118	13	models	model	NOUN
atssr-1457	118	14	,	,	PUNCT
atssr-1457	118	15	such	such	ADJ
atssr-1457	118	16	as	as	ADP
atssr-1457	118	17	return	return	NOUN
atssr-1457	118	18	on	on	ADP
atssr-1457	118	19	assets	asset	NOUN
atssr-1457	118	20	and	and	CCONJ
atssr-1457	118	21	return	return	VERB
atssr-1457	118	22	on	on	ADP
atssr-1457	118	23	equity	equity	NOUN
atssr-1457	118	24	.	.	PUNCT
atssr-1457	119	1	in	in	ADP
atssr-1457	119	2	the	the	DET
atssr-1457	119	3	roa	roa	PROPN
atssr-1457	119	4	model	model	NOUN
atssr-1457	119	5	,	,	PUNCT
atssr-1457	119	6	two	two	NUM
atssr-1457	119	7	independent	independent	ADJ
atssr-1457	119	8	variables	variable	NOUN
atssr-1457	119	9	account	account	VERB
atssr-1457	119	10	for	for	ADP
atssr-1457	119	11	57.9	57.9	NUM
atssr-1457	119	12	%	%	NOUN
atssr-1457	119	13	of	of	ADP
atssr-1457	119	14	changes	change	NOUN
atssr-1457	119	15	in	in	ADP
atssr-1457	119	16	profitability	profitability	NOUN
atssr-1457	119	17	of	of	ADP
atssr-1457	119	18	commercial	commercial	ADJ
atssr-1457	119	19	banks	bank	NOUN
atssr-1457	119	20	,	,	PUNCT
atssr-1457	119	21	compared	compare	VERB
atssr-1457	119	22	to	to	ADP
atssr-1457	119	23	roe	roe	PROPN
atssr-1457	119	24	,	,	PUNCT
atssr-1457	119	25	which	which	PRON
atssr-1457	119	26	have	have	VERB
atssr-1457	119	27	a	a	DET
atssr-1457	119	28	higher	high	ADJ
atssr-1457	119	29	percentage	percentage	NOUN
atssr-1457	119	30	of	of	ADP
atssr-1457	119	31	explained	explain	VERB
atssr-1457	119	32	greater	great	ADJ
atssr-1457	119	33	roa	roa	NOUN
atssr-1457	119	34	than	than	ADP
atssr-1457	119	35	64.2	64.2	NUM
atssr-1457	119	36	%	%	NOUN
atssr-1457	119	37	.	.	PUNCT
atssr-1457	120	1	even	even	ADV
atssr-1457	120	2	the	the	DET
atssr-1457	120	3	coefficient	coefficient	NOUN
atssr-1457	120	4	of	of	ADP
atssr-1457	120	5	correlation	correlation	NOUN
atssr-1457	120	6	shows	show	VERB
atssr-1457	120	7	that	that	SCONJ
atssr-1457	120	8	roe	roe	PROPN
atssr-1457	120	9	has	have	VERB
atssr-1457	120	10	a	a	DET
atssr-1457	120	11	stronger	strong	ADJ
atssr-1457	120	12	linear	linear	ADJ
atssr-1457	120	13	relationship	relationship	NOUN
atssr-1457	120	14	between	between	ADP
atssr-1457	120	15	roe	roe	PROPN
atssr-1457	120	16	and	and	CCONJ
atssr-1457	120	17	npl	npl	PROPN
atssr-1457	120	18	and	and	CCONJ
atssr-1457	120	19	also	also	ADV
atssr-1457	120	20	car	car	NOUN
atssr-1457	120	21	while	while	SCONJ
atssr-1457	120	22	roa	roa	PROPN
atssr-1457	120	23	has	have	VERB
atssr-1457	120	24	weaker	weak	ADJ
atssr-1457	120	25	connections	connection	NOUN
atssr-1457	120	26	.	.	PUNCT
atssr-1457	121	1	thus	thus	ADV
atssr-1457	121	2	,	,	PUNCT
atssr-1457	121	3	it	it	PRON
atssr-1457	121	4	is	be	AUX
atssr-1457	121	5	concluded	conclude	VERB
atssr-1457	121	6	that	that	SCONJ
atssr-1457	121	7	the	the	DET
atssr-1457	121	8	return	return	NOUN
atssr-1457	121	9	on	on	ADP
atssr-1457	121	10	equity	equity	NOUN
atssr-1457	121	11	is	be	AUX
atssr-1457	121	12	a	a	DET
atssr-1457	121	13	more	more	ADV
atssr-1457	121	14	efficient	efficient	ADJ
atssr-1457	121	15	profitability	profitability	NOUN
atssr-1457	121	16	measurement	measurement	NOUN
atssr-1457	121	17	than	than	ADP
atssr-1457	121	18	t	t	PROPN
atssr-1457	121	19	he	he	PRON
atssr-1457	121	20	return	return	VERB
atssr-1457	121	21	on	on	ADP
atssr-1457	121	22	assets	asset	NOUN
atssr-1457	121	23	.	.	PUNCT
atssr-1457	122	1	the	the	DET
atssr-1457	122	2	empirical	empirical	ADJ
atssr-1457	122	3	study	study	NOUN
atssr-1457	122	4	concluded	conclude	VERB
atssr-1457	122	5	that	that	SCONJ
atssr-1457	122	6	there	there	PRON
atssr-1457	122	7	is	be	VERB
atssr-1457	122	8	a	a	DET
atssr-1457	122	9	strong	strong	ADJ
atssr-1457	122	10	relationship	relationship	NOUN
atssr-1457	122	11	between	between	ADP
atssr-1457	122	12	credit	credit	NOUN
atssr-1457	122	13	risk	risk	NOUN
atssr-1457	122	14	and	and	CCONJ
atssr-1457	122	15	profitability	profitability	NOUN
atssr-1457	122	16	of	of	ADP
atssr-1457	122	17	commercial	commercial	ADJ
atssr-1457	122	18	banks	bank	NOUN
atssr-1457	122	19	.	.	PUNCT
atssr-1457	123	1	5	5	X
atssr-1457	123	2	.	.	X
atssr-1457	123	3	recommendations	recommendation	NOUN
atssr-1457	123	4	▪	▪	ADJ
atssr-1457	123	5	credit	credit	NOUN
atssr-1457	123	6	risk	risk	NOUN
atssr-1457	123	7	and	and	CCONJ
atssr-1457	123	8	capital	capital	NOUN
atssr-1457	123	9	adequacy	adequacy	NOUN
atssr-1457	123	10	are	be	AUX
atssr-1457	123	11	significant	significant	ADJ
atssr-1457	123	12	indicators	indicator	NOUN
atssr-1457	123	13	of	of	ADP
atssr-1457	123	14	the	the	DET
atssr-1457	123	15	profitability	profitability	NOUN
atssr-1457	123	16	of	of	ADP
atssr-1457	123	17	commercial	commercial	ADJ
atssr-1457	123	18	banks	bank	NOUN
atssr-1457	123	19	in	in	ADP
atssr-1457	123	20	albania	albania	PROPN
atssr-1457	123	21	.	.	PUNCT
atssr-1457	124	1	it	it	PRON
atssr-1457	124	2	is	be	AUX
atssr-1457	124	3	recommended	recommend	VERB
atssr-1457	124	4	that	that	SCONJ
atssr-1457	124	5	focusing	focus	VERB
atssr-1457	124	6	on	on	ADP
atssr-1457	124	7	improving	improve	VERB
atssr-1457	124	8	or	or	CCONJ
atssr-1457	124	9	managing	manage	VERB
atssr-1457	124	10	these	these	DET
atssr-1457	124	11	indicators	indicator	NOUN
atssr-1457	124	12	can	can	AUX
atssr-1457	124	13	result	result	VERB
atssr-1457	124	14	in	in	ADP
atssr-1457	124	15	increased	increase	VERB
atssr-1457	124	16	profitability	profitability	NOUN
atssr-1457	124	17	of	of	ADP
atssr-1457	124	18	commercial	commercial	ADJ
atssr-1457	124	19	banks	bank	NOUN
atssr-1457	124	20	or	or	CCONJ
atssr-1457	124	21	their	their	PRON
atssr-1457	124	22	performance	performance	NOUN
atssr-1457	124	23	.	.	PUNCT
atssr-1457	125	1	▪	▪	ADJ
atssr-1457	125	2	banks	bank	NOUN
atssr-1457	125	3	should	should	AUX
atssr-1457	125	4	ensure	ensure	VERB
atssr-1457	125	5	that	that	SCONJ
atssr-1457	125	6	they	they	PRON
atssr-1457	125	7	are	be	AUX
atssr-1457	125	8	constantly	constantly	ADV
atssr-1457	125	9	aware	aware	ADJ
atssr-1457	125	10	of	of	ADP
atssr-1457	125	11	the	the	DET
atssr-1457	125	12	performance	performance	NOUN
atssr-1457	125	13	of	of	ADP
atssr-1457	125	14	the	the	DET
atssr-1457	125	15	lending	lending	NOUN
atssr-1457	125	16	portfolio	portfolio	NOUN
atssr-1457	125	17	and	and	CCONJ
atssr-1457	125	18	normally	normally	ADV
atssr-1457	125	19	of	of	ADP
atssr-1457	125	20	the	the	DET
atssr-1457	125	21	weight	weight	NOUN
atssr-1457	125	22	they	they	PRON
atssr-1457	125	23	occupy	occupy	VERB
atssr-1457	125	24	in	in	ADP
atssr-1457	125	25	the	the	DET
atssr-1457	125	26	overall	overall	ADJ
atssr-1457	125	27	portfolio	portfolio	NOUN
atssr-1457	125	28	in	in	ADP
atssr-1457	125	29	order	order	NOUN
atssr-1457	125	30	to	to	PART
atssr-1457	125	31	be	be	AUX
atssr-1457	125	32	ready	ready	ADJ
atssr-1457	125	33	to	to	PART
atssr-1457	125	34	take	take	VERB
atssr-1457	125	35	appropriate	appropriate	ADJ
atssr-1457	125	36	measures	measure	NOUN
atssr-1457	125	37	to	to	PART
atssr-1457	125	38	cope	cope	VERB
atssr-1457	125	39	with	with	ADP
atssr-1457	125	40	the	the	DET
atssr-1457	125	41	risk	risk	NOUN
atssr-1457	125	42	cases	case	NOUN
atssr-1457	125	43	.	.	PUNCT
atssr-1457	126	1	references	reference	NOUN
atssr-1457	126	2	alexandri	alexandri	PROPN
atssr-1457	126	3	,	,	PUNCT
atssr-1457	126	4	m.	m.	PROPN
atssr-1457	126	5	b.	b.	PROPN
atssr-1457	126	6	&	&	CCONJ
atssr-1457	126	7	santoso	santoso	PROPN
atssr-1457	126	8	,	,	PUNCT
atssr-1457	126	9	t.	t.	PROPN
atssr-1457	126	10	i.	i.	PROPN
atssr-1457	126	11	(	(	PUNCT
atssr-1457	126	12	2015	2015	NUM
atssr-1457	126	13	)	)	PUNCT
atssr-1457	126	14	.	.	PUNCT
atssr-1457	127	1	non	non	ADJ
atssr-1457	127	2	-	-	ADJ
atssr-1457	127	3	performing	performing	ADJ
atssr-1457	127	4	loan	loan	NOUN
atssr-1457	127	5	:	:	PUNCT
atssr-1457	127	6	impact	impact	NOUN
atssr-1457	127	7	of	of	ADP
atssr-1457	127	8	internal	internal	ADJ
atssr-1457	127	9	and	and	CCONJ
atssr-1457	127	10	external	external	ADJ
atssr-1457	127	11	factor	factor	NOUN
atssr-1457	127	12	(	(	PUNCT
atssr-1457	127	13	evidence	evidence	NOUN
atssr-1457	127	14	in	in	ADP
atssr-1457	127	15	indonesia	indonesia	PROPN
atssr-1457	127	16	)	)	PUNCT
atssr-1457	127	17	.	.	PUNCT
atssr-1457	128	1	international	international	ADJ
atssr-1457	128	2	journal	journal	PROPN
atssr-1457	128	3	of	of	ADP
atssr-1457	128	4	humanities	humanity	NOUN
atssr-1457	128	5	and	and	CCONJ
atssr-1457	128	6	social	social	ADJ
atssr-1457	128	7	science	science	NOUN
atssr-1457	128	8	invention	invention	NOUN
atssr-1457	128	9	,	,	PUNCT
atssr-1457	128	10	4(1	4(1	NOUN
atssr-1457	128	11	)	)	PUNCT
atssr-1457	128	12	:	:	PUNCT
atssr-1457	128	13	87	87	NUM
atssr-1457	128	14	–	–	SYM
atssr-1457	128	15	91	91	NUM
atssr-1457	128	16	.	.	PUNCT
atssr-1457	129	1	ameur	ameur	PROPN
atssr-1457	129	2	,	,	PUNCT
atssr-1457	129	3	i.	i.	PROPN
atssr-1457	129	4	g.	g.	PROPN
atssr-1457	129	5	&	&	CCONJ
atssr-1457	129	6	mhiri	mhiri	PROPN
atssr-1457	129	7	,	,	PUNCT
atssr-1457	129	8	s.	s.	PROPN
atssr-1457	129	9	m.	m.	PROPN
atssr-1457	129	10	(	(	PUNCT
atssr-1457	129	11	2013	2013	NUM
atssr-1457	129	12	)	)	PUNCT
atssr-1457	129	13	.	.	PUNCT
atssr-1457	130	1	explanatory	explanatory	ADJ
atssr-1457	130	2	factors	factor	NOUN
atssr-1457	130	3	of	of	ADP
atssr-1457	130	4	bank	bank	NOUN
atssr-1457	130	5	performance	performance	NOUN
atssr-1457	130	6	evidence	evidence	NOUN
atssr-1457	130	7	from	from	ADP
atssr-1457	130	8	tunisia	tunisia	PROPN
atssr-1457	130	9	.	.	PUNCT
atssr-1457	131	1	international	international	ADJ
atssr-1457	131	2	journal	journal	PROPN
atssr-1457	131	3	of	of	ADP
atssr-1457	131	4	economics	economic	NOUN
atssr-1457	131	5	,	,	PUNCT
atssr-1457	131	6	finance	finance	NOUN
atssr-1457	131	7	and	and	CCONJ
atssr-1457	131	8	management	management	NOUN
atssr-1457	131	9	,	,	PUNCT
atssr-1457	131	10	2(1	2(1	NUM
atssr-1457	131	11	):	):	PUNCT
atssr-1457	131	12	143	143	NUM
atssr-1457	131	13	-	-	SYM
atssr-1457	131	14	152	152	NUM
atssr-1457	131	15	.	.	PUNCT
atssr-1457	132	1	ali	ali	PROPN
atssr-1457	132	2	,	,	PUNCT
atssr-1457	132	3	k.	k.	PROPN
atssr-1457	132	4	,	,	PUNCT
atssr-1457	132	5	akhtar	akhtar	PROPN
atssr-1457	132	6	,	,	PUNCT
atssr-1457	132	7	m.	m.	PROPN
atssr-1457	132	8	f.	f.	PROPN
atssr-1457	132	9	&	&	CCONJ
atssr-1457	132	10	ahmed	ahmed	PROPN
atssr-1457	132	11	,	,	PUNCT
atssr-1457	132	12	h.	h.	PROPN
atssr-1457	132	13	z.	z.	PROPN
atssr-1457	132	14	(	(	PUNCT
atssr-1457	132	15	2011	2011	NUM
atssr-1457	132	16	)	)	PUNCT
atssr-1457	132	17	.	.	PUNCT
atssr-1457	133	1	bank	bank	NOUN
atssr-1457	133	2	specific	specific	ADJ
atssr-1457	133	3	and	and	CCONJ
atssr-1457	133	4	macroeconomic	macroeconomic	ADJ
atssr-1457	133	5	indicators	indicator	NOUN
atssr-1457	133	6	of	of	ADP
atssr-1457	133	7	profitability	profitability	NOUN
atssr-1457	133	8	–	–	PUNCT
atssr-1457	133	9	empirical	empirical	ADJ
atssr-1457	133	10	evidence	evidence	NOUN
atssr-1457	133	11	from	from	ADP
atssr-1457	133	12	the	the	DET
atssr-1457	133	13	commercial	commercial	ADJ
atssr-1457	133	14	banks	bank	NOUN
atssr-1457	133	15	of	of	ADP
atssr-1457	133	16	pakistan	pakistan	PROPN
atssr-1457	133	17	.	.	PUNCT
atssr-1457	134	1	international	international	ADJ
atssr-1457	134	2	journal	journal	PROPN
atssr-1457	134	3	of	of	ADP
atssr-1457	134	4	business	business	NOUN
atssr-1457	134	5	and	and	CCONJ
atssr-1457	134	6	social	social	ADJ
atssr-1457	134	7	science	science	NOUN
atssr-1457	134	8	,	,	PUNCT
atssr-1457	134	9	2(6	2(6	NUM
atssr-1457	134	10	):	):	PUNCT
atssr-1457	134	11	235	235	NUM
atssr-1457	134	12	–	–	SYM
atssr-1457	134	13	242	242	NUM
atssr-1457	134	14	.	.	PUNCT
atssr-1457	135	1	abdullah	abdullah	PROPN
atssr-1457	135	2	,	,	PUNCT
atssr-1457	135	3	m.n	m.n	PROPN
atssr-1457	135	4	.	.	PROPN
atssr-1457	135	5	,	,	PUNCT
atssr-1457	135	6	parvez	parvez	PROPN
atssr-1457	135	7	,	,	PUNCT
atssr-1457	135	8	k.	k.	PROPN
atssr-1457	135	9	&	&	CCONJ
atssr-1457	135	10	ayreen	ayreen	PROPN
atssr-1457	135	11	,	,	PUNCT
atssr-1457	135	12	s.	s.	PROPN
atssr-1457	135	13	(	(	PUNCT
atssr-1457	135	14	2014	2014	NUM
atssr-1457	135	15	)	)	PUNCT
atssr-1457	135	16	.	.	PUNCT
atssr-1457	136	1	bank	bank	PROPN
atssr-1457	136	2	specific	specific	ADJ
atssr-1457	136	3	,	,	PUNCT
atssr-1457	136	4	industry	industry	NOUN
atssr-1457	136	5	specific	specific	ADJ
atssr-1457	136	6	and	and	CCONJ
atssr-1457	136	7	macroeconomic	macroeconomic	ADJ
atssr-1457	136	8	determinants	determinant	NOUN
atssr-1457	136	9	of	of	ADP
atssr-1457	136	10	commercial	commercial	ADJ
atssr-1457	136	11	bank	bank	NOUN
atssr-1457	136	12	profitability	profitability	NOUN
atssr-1457	136	13	:	:	PUNCT
atssr-1457	136	14	a	a	DET
atssr-1457	136	15	case	case	NOUN
atssr-1457	136	16	of	of	ADP
atssr-1457	136	17	bangladesh	bangladesh	NOUN
atssr-1457	136	18	.	.	PUNCT
atssr-1457	137	1	world	world	PROPN
atssr-1457	138	1	[	[	X
atssr-1457	138	2	online	online	X
atssr-1457	138	3	]	]	X
atssr-1457	138	4	.	.	PUNCT
atssr-1457	139	1	4	4	NUM
atssr-1457	139	2	(	(	PUNCT
atssr-1457	139	3	3	3	NUM
atssr-1457	139	4	)	)	PUNCT
atssr-1457	139	5	.	.	PUNCT
atssr-1457	140	1	available	available	ADJ
atssr-1457	140	2	from	from	ADP
atssr-1457	140	3	:	:	PUNCT
atssr-1457	140	4	http://wjsspapers.com/static/documents/october/2014/7.%20nayeem%20and%20kamruddin.pdf	http://wjsspapers.com/static/documents/october/2014/7.%20nayeem%20and%20kamruddin.pdf	PROPN
atssr-1457	140	5	.	.	PROPN
atssr-1457	140	6	awoke	awoke	PROPN
atssr-1457	140	7	,	,	PUNCT
atssr-1457	140	8	e.t	e.t	PROPN
atssr-1457	140	9	.	.	PROPN
atssr-1457	140	10	(	(	PUNCT
atssr-1457	140	11	2014	2014	NUM
atssr-1457	140	12	)	)	PUNCT
atssr-1457	140	13	.	.	PUNCT
atssr-1457	141	1	impact	impact	NOUN
atssr-1457	141	2	of	of	ADP
atssr-1457	141	3	credit	credit	NOUN
atssr-1457	141	4	risk	risk	NOUN
atssr-1457	141	5	on	on	ADP
atssr-1457	141	6	the	the	DET
atssr-1457	141	7	performance	performance	NOUN
atssr-1457	141	8	of	of	ADP
atssr-1457	141	9	commercial	commercial	ADJ
atssr-1457	141	10	banks	bank	NOUN
atssr-1457	141	11	in	in	ADP
atssr-1457	141	12	ethiopia	ethiopia	PROPN
atssr-1457	141	13	.	.	PUNCT
atssr-1457	142	1	st	st	PROPN
atssr-1457	142	2	.	.	PROPN
atssr-1457	142	3	mary	mary	PROPN
atssr-1457	142	4	’s	’s	PART
atssr-1457	142	5	university	university	PROPN
atssr-1457	142	6	,	,	PUNCT
atssr-1457	142	7	ethiopia	ethiopia	PROPN
atssr-1457	142	8	.	.	PUNCT
atssr-1457	142	9	chinoda	chinoda	PROPN
atssr-1457	142	10	,	,	PUNCT
atssr-1457	142	11	t.	t.	PROPN
atssr-1457	142	12	(	(	PUNCT
atssr-1457	142	13	2014	2014	NUM
atssr-1457	142	14	)	)	PUNCT
atssr-1457	142	15	.	.	PUNCT
atssr-1457	143	1	the	the	DET
atssr-1457	143	2	determinants	determinant	NOUN
atssr-1457	143	3	of	of	ADP
atssr-1457	143	4	commercial	commercial	ADJ
atssr-1457	143	5	banks	bank	NOUN
atssr-1457	143	6	profitability	profitability	NOUN
atssr-1457	143	7	in	in	ADP
atssr-1457	143	8	zimbabwe	zimbabwe	X
atssr-1457	143	9	(	(	PUNCT
atssr-1457	143	10	2009	2009	NUM
atssr-1457	143	11	-	-	SYM
atssr-1457	143	12	2014	2014	NUM
atssr-1457	143	13	)	)	PUNCT
atssr-1457	143	14	.	.	PUNCT
atssr-1457	144	1	iosr	iosr	PROPN
atssr-1457	144	2	journal	journal	PROPN
atssr-1457	144	3	of	of	ADP
atssr-1457	144	4	economics	economic	NOUN
atssr-1457	144	5	and	and	CCONJ
atssr-1457	144	6	finance	finance	NOUN
atssr-1457	144	7	,	,	PUNCT
atssr-1457	144	8	5(6	5(6	NUM
atssr-1457	144	9	):	):	PUNCT
atssr-1457	144	10	69	69	NUM
atssr-1457	144	11	-	-	SYM
atssr-1457	144	12	80	80	NUM
atssr-1457	144	13	.	.	PUNCT
atssr-1457	145	1	frederick	frederick	PROPN
atssr-1457	145	2	,	,	PUNCT
atssr-1457	145	3	n.k	n.k	PROPN
atssr-1457	145	4	.	.	PROPN
atssr-1457	145	5	(	(	PUNCT
atssr-1457	145	6	2014	2014	NUM
atssr-1457	145	7	)	)	PUNCT
atssr-1457	145	8	.	.	PUNCT
atssr-1457	146	1	factors	factor	NOUN
atssr-1457	146	2	affecting	affect	VERB
atssr-1457	146	3	performance	performance	NOUN
atssr-1457	146	4	of	of	ADP
atssr-1457	146	5	commercial	commercial	ADJ
atssr-1457	146	6	banks	bank	NOUN
atssr-1457	146	7	in	in	ADP
atssr-1457	146	8	uganda	uganda	PROPN
atssr-1457	146	9	.	.	PUNCT
atssr-1457	147	1	a	a	DET
atssr-1457	147	2	case	case	NOUN
atssr-1457	147	3	of	of	ADP
atssr-1457	147	4	domestic	domestic	ADJ
atssr-1457	147	5	commercial	commercial	ADJ
atssr-1457	147	6	banks	bank	NOUN
atssr-1457	147	7	.	.	PUNCT
atssr-1457	148	1	proceedings	proceeding	NOUN
atssr-1457	148	2	of	of	ADP
atssr-1457	148	3	25th	25th	ADJ
atssr-1457	148	4	international	international	ADJ
atssr-1457	148	5	business	business	NOUN
atssr-1457	148	6	research	research	NOUN
atssr-1457	148	7	conference	conference	NOUN
atssr-1457	148	8	.	.	PUNCT
atssr-1457	149	1	gitau	gitau	ADV
atssr-1457	149	2	,	,	PUNCT
atssr-1457	149	3	p.m.	p.m.	ADV
atssr-1457	149	4	,	,	PUNCT
atssr-1457	149	5	anyanga	anyanga	PROPN
atssr-1457	149	6	,	,	PUNCT
atssr-1457	149	7	w.	w.	PROPN
atssr-1457	149	8	&	&	CCONJ
atssr-1457	149	9	rotich	rotich	PROPN
atssr-1457	149	10	,	,	PUNCT
atssr-1457	149	11	d.g	d.g	PROPN
atssr-1457	149	12	.	.	PROPN
atssr-1457	149	13	(	(	PUNCT
atssr-1457	149	14	2017	2017	NUM
atssr-1457	149	15	)	)	PUNCT
atssr-1457	149	16	.	.	PUNCT
atssr-1457	150	1	effect	effect	NOUN
atssr-1457	150	2	of	of	ADP
atssr-1457	150	3	microeconomic	microeconomic	ADJ
atssr-1457	150	4	factors	factor	NOUN
atssr-1457	150	5	on	on	ADP
atssr-1457	150	6	performance	performance	NOUN
atssr-1457	150	7	of	of	ADP
atssr-1457	150	8	listed	list	VERB
atssr-1457	150	9	commercial	commercial	ADJ
atssr-1457	150	10	banks	bank	NOUN
atssr-1457	150	11	in	in	ADP
atssr-1457	150	12	kenya	kenya	PROPN
atssr-1457	150	13	.	.	PUNCT
atssr-1457	151	1	strategic	strategic	ADJ
atssr-1457	151	2	journal	journal	PROPN
atssr-1457	151	3	.	.	PUNCT
atssr-1457	152	1	gizaw	gizaw	PROPN
atssr-1457	152	2	,	,	PUNCT
atssr-1457	152	3	m.	m.	NOUN
atssr-1457	152	4	,	,	PUNCT
atssr-1457	152	5	kebede	kebede	PROPN
atssr-1457	152	6	,	,	PUNCT
atssr-1457	152	7	m.	m.	NOUN
atssr-1457	152	8	&	&	CCONJ
atssr-1457	152	9	sujata	sujata	PROPN
atssr-1457	152	10	,	,	PUNCT
atssr-1457	152	11	s.	s.	PROPN
atssr-1457	152	12	(	(	PUNCT
atssr-1457	152	13	2015	2015	NUM
atssr-1457	152	14	)	)	PUNCT
atssr-1457	152	15	.	.	PUNCT
atssr-1457	153	1	the	the	DET
atssr-1457	153	2	impact	impact	NOUN
atssr-1457	153	3	of	of	ADP
atssr-1457	153	4	credit	credit	NOUN
atssr-1457	153	5	risk	risk	NOUN
atssr-1457	153	6	on	on	ADP
atssr-1457	153	7	profitability	profitability	NOUN
atssr-1457	153	8	performance	performance	NOUN
atssr-1457	153	9	of	of	ADP
atssr-1457	153	10	commercial	commercial	ADJ
atssr-1457	153	11	banks	bank	NOUN
atssr-1457	153	12	in	in	ADP
atssr-1457	153	13	ethiopia	ethiopia	PROPN
atssr-1457	153	14	.	.	PUNCT
atssr-1457	154	1	african	african	ADJ
atssr-1457	154	2	journal	journal	PROPN
atssr-1457	154	3	of	of	ADP
atssr-1457	154	4	business	business	NOUN
atssr-1457	154	5	management	management	NOUN
atssr-1457	154	6	,	,	PUNCT
atssr-1457	154	7	9(2	9(2	NUM
atssr-1457	154	8	):	):	PUNCT
atssr-1457	154	9	59	59	NUM
atssr-1457	154	10	-	-	SYM
atssr-1457	154	11	66	66	NUM
atssr-1457	154	12	.	.	PUNCT
atssr-1457	155	1	gul	gul	PROPN
atssr-1457	155	2	,	,	PUNCT
atssr-1457	155	3	s.	s.	PROPN
atssr-1457	155	4	,	,	PUNCT
atssr-1457	155	5	irshad	irshad	PROPN
atssr-1457	155	6	,	,	PUNCT
atssr-1457	155	7	f.	f.	PROPN
atssr-1457	155	8	&	&	CCONJ
atssr-1457	155	9	zaman	zaman	PROPN
atssr-1457	155	10	,	,	PUNCT
atssr-1457	155	11	k.	k.	PROPN
atssr-1457	155	12	(	(	PUNCT
atssr-1457	155	13	2011).factors	2011).factors	PROPN
atssr-1457	155	14	affecting	affect	VERB
atssr-1457	155	15	bank	bank	NOUN
atssr-1457	155	16	profitability	profitability	NOUN
atssr-1457	155	17	in	in	ADP
atssr-1457	155	18	pakistan	pakistan	PROPN
atssr-1457	155	19	.	.	PUNCT
atssr-1457	156	1	the	the	DET
atssr-1457	156	2	romanian	romanian	ADJ
atssr-1457	156	3	economic	economic	ADJ
atssr-1457	156	4	journal	journal	NOUN
atssr-1457	156	5	,	,	PUNCT
atssr-1457	156	6	1(39	1(39	NUM
atssr-1457	156	7	):	):	PUNCT
atssr-1457	156	8	61	61	NUM
atssr-1457	156	9	-	-	SYM
atssr-1457	156	10	87	87	NUM
atssr-1457	156	11	.	.	PUNCT
atssr-1457	157	1	isik	isik	PROPN
atssr-1457	157	2	,	,	PUNCT
atssr-1457	157	3	i.	i.	PROPN
atssr-1457	157	4	,	,	PUNCT
atssr-1457	157	5	kyj	kyj	PROPN
atssr-1457	157	6	,	,	PUNCT
atssr-1457	157	7	l.	l.	PROPN
atssr-1457	157	8	&	&	CCONJ
atssr-1457	157	9	kulalı	kulalı	PROPN
atssr-1457	157	10	,	,	PUNCT
atssr-1457	157	11	i	i	PRON
atssr-1457	157	12	̇.	̇.	NOUN
atssr-1457	157	13	(	(	PUNCT
atssr-1457	157	14	2016	2016	NUM
atssr-1457	157	15	)	)	PUNCT
atssr-1457	157	16	.	.	PUNCT
atssr-1457	158	1	the	the	DET
atssr-1457	158	2	anatomy	anatomy	NOUN
atssr-1457	158	3	of	of	ADP
atssr-1457	158	4	bank	bank	NOUN
atssr-1457	158	5	performance	performance	NOUN
atssr-1457	158	6	during	during	ADP
atssr-1457	158	7	transition	transition	NOUN
atssr-1457	158	8	:	:	PUNCT
atssr-1457	158	9	a	a	DET
atssr-1457	158	10	separate	separate	ADJ
atssr-1457	158	11	efficient	efficient	ADJ
atssr-1457	158	12	frontier	frontier	NOUN
atssr-1457	158	13	analysis	analysis	NOUN
atssr-1457	158	14	of	of	ADP
atssr-1457	158	15	ukrainian	ukrainian	ADJ
atssr-1457	158	16	banks	bank	NOUN
atssr-1457	158	17	.	.	PUNCT
atssr-1457	159	1	international	international	ADJ
atssr-1457	159	2	journal	journal	PROPN
atssr-1457	159	3	of	of	ADP
atssr-1457	159	4	finance	finance	PROPN
atssr-1457	159	5	&	&	CCONJ
atssr-1457	159	6	banking	banking	NOUN
atssr-1457	159	7	studies	study	NOUN
atssr-1457	159	8	(	(	PUNCT
atssr-1457	159	9	2147	2147	NUM
atssr-1457	159	10	-	-	SYM
atssr-1457	159	11	4486	4486	NUM
atssr-1457	159	12	)	)	PUNCT
atssr-1457	159	13	,	,	PUNCT
atssr-1457	159	14	5(3	5(3	NUM
atssr-1457	159	15	):	):	PUNCT
atssr-1457	159	16	1	1	NUM
atssr-1457	159	17	-	-	SYM
atssr-1457	159	18	31	31	NUM
atssr-1457	159	19	.	.	PUNCT
atssr-1457	160	1	ishak	ishak	PROPN
atssr-1457	160	2	,	,	PUNCT
atssr-1457	160	3	i.	i.	PROPN
atssr-1457	160	4	,	,	PUNCT
atssr-1457	160	5	ismail	ismail	PROPN
atssr-1457	160	6	,	,	PUNCT
atssr-1457	160	7	n.	n.	PROPN
atssr-1457	160	8	,	,	PUNCT
atssr-1457	160	9	razali	razali	ADJ
atssr-1457	160	10	,	,	PUNCT
atssr-1457	160	11	n.a	n.a	PROPN
atssr-1457	160	12	.	.	PROPN
atssr-1457	160	13	,	,	PUNCT
atssr-1457	160	14	bakar	bakar	PROPN
atssr-1457	160	15	,	,	PUNCT
atssr-1457	160	16	r.	r.	PROPN
atssr-1457	160	17	&	&	CCONJ
atssr-1457	160	18	ramlan	ramlan	PROPN
atssr-1457	160	19	,	,	PUNCT
atssr-1457	160	20	h.	h.	PROPN
atssr-1457	160	21	(	(	PUNCT
atssr-1457	160	22	2016	2016	NUM
atssr-1457	160	23	)	)	PUNCT
atssr-1457	160	24	credit	credit	NOUN
atssr-1457	160	25	risk	risk	NOUN
atssr-1457	160	26	management	management	NOUN
atssr-1457	160	27	and	and	CCONJ
atssr-1457	160	28	profitability	profitability	NOUN
atssr-1457	160	29	of	of	ADP
atssr-1457	160	30	bank	bank	NOUN
atssr-1457	160	31	listed	list	VERB
atssr-1457	160	32	on	on	ADP
atssr-1457	160	33	bursa	bursa	PROPN
atssr-1457	160	34	malaysia	malaysia	PROPN
atssr-1457	160	35	.	.	PUNCT
atssr-1457	161	1	international	international	ADJ
atssr-1457	161	2	symposium	symposium	NOUN
atssr-1457	161	3	and	and	CCONJ
atssr-1457	161	4	exhibition	exhibition	NOUN
atssr-1457	161	5	on	on	ADP
atssr-1457	161	6	business	business	NOUN
atssr-1457	161	7	and	and	CCONJ
atssr-1457	161	8	accounting	accounting	NOUN
atssr-1457	161	9	.	.	PUNCT
atssr-1457	162	1	kosmidou	kosmidou	PROPN
atssr-1457	162	2	,	,	PUNCT
atssr-1457	162	3	k.	k.	PROPN
atssr-1457	162	4	(	(	PUNCT
atssr-1457	162	5	2008	2008	NUM
atssr-1457	162	6	)	)	PUNCT
atssr-1457	162	7	.	.	PUNCT
atssr-1457	163	1	the	the	DET
atssr-1457	163	2	determinants	determinant	NOUN
atssr-1457	163	3	of	of	ADP
atssr-1457	163	4	banks	bank	NOUN
atssr-1457	163	5	’	'	PUNCT
atssr-1457	163	6	profit	profit	NOUN
atssr-1457	163	7	in	in	ADP
atssr-1457	163	8	greece	greece	PROPN
atssr-1457	163	9	during	during	ADP
atssr-1457	163	10	the	the	DET
atssr-1457	163	11	period	period	NOUN
atssr-1457	163	12	of	of	ADP
atssr-1457	163	13	eu	eu	PROPN
atssr-1457	163	14	financial	financial	ADJ
atssr-1457	163	15	integration	integration	NOUN
atssr-1457	163	16	.	.	PUNCT
atssr-1457	164	1	tecnical	tecnical	ADJ
atssr-1457	164	2	university	university	PROPN
atssr-1457	164	3	of	of	ADP
atssr-1457	164	4	crete	crete	PROPN
atssr-1457	164	5	,	,	PUNCT
atssr-1457	164	6	greece	greece	PROPN
atssr-1457	164	7	.	.	PUNCT
atssr-1457	165	1	li	li	PROPN
atssr-1457	165	2	,	,	PUNCT
atssr-1457	165	3	f.	f.	PROPN
atssr-1457	165	4	&	&	CCONJ
atssr-1457	165	5	zou	zou	PROPN
atssr-1457	165	6	,	,	PUNCT
atssr-1457	165	7	y.	y.	PROPN
atssr-1457	165	8	(	(	PUNCT
atssr-1457	165	9	2014	2014	NUM
atssr-1457	165	10	)	)	PUNCT
atssr-1457	165	11	.	.	PUNCT
atssr-1457	166	1	the	the	DET
atssr-1457	166	2	impact	impact	NOUN
atssr-1457	166	3	of	of	ADP
atssr-1457	166	4	credit	credit	NOUN
atssr-1457	166	5	risk	risk	NOUN
atssr-1457	166	6	management	management	NOUN
atssr-1457	166	7	on	on	ADP
atssr-1457	166	8	profitability	profitability	NOUN
atssr-1457	166	9	of	of	ADP
atssr-1457	166	10	commercial	commercial	ADJ
atssr-1457	166	11	banks	bank	NOUN
atssr-1457	166	12	:	:	PUNCT
atssr-1457	166	13	a	a	DET
atssr-1457	166	14	study	study	NOUN
atssr-1457	166	15	of	of	ADP
atssr-1457	166	16	europe	europe	PROPN
atssr-1457	166	17	.	.	PUNCT
atssr-1457	167	1	umea	umea	ADJ
atssr-1457	167	2	school	school	NOUN
atssr-1457	167	3	of	of	ADP
atssr-1457	167	4	business	business	NOUN
atssr-1457	167	5	and	and	CCONJ
atssr-1457	167	6	economics	economic	NOUN
atssr-1457	167	7	,	,	PUNCT
atssr-1457	167	8	available	available	ADJ
atssr-1457	167	9	from	from	ADP
atssr-1457	167	10	:	:	PUNCT
atssr-1457	167	11	http://www.diva	http://www.diva	NOUN
atssr-1457	167	12	-	-	PUNCT
atssr-1457	167	13	portal	portal	ADJ
atssr-1457	167	14	.	.	PUNCT
atssr-1457	168	1	org	org	PROPN
atssr-1457	168	2	.	.	PUNCT
atssr-1457	169	1	naceur	naceur	PROPN
atssr-1457	169	2	,	,	PUNCT
atssr-1457	169	3	b.s	b.s	PROPN
atssr-1457	169	4	.	.	PROPN
atssr-1457	169	5	(	(	PUNCT
atssr-1457	169	6	2003	2003	NUM
atssr-1457	169	7	)	)	PUNCT
atssr-1457	169	8	.	.	PUNCT
atssr-1457	170	1	the	the	DET
atssr-1457	170	2	determinats	determinat	NOUN
atssr-1457	170	3	of	of	ADP
atssr-1457	170	4	the	the	DET
atssr-1457	170	5	tunisian	tunisian	ADJ
atssr-1457	170	6	banking	banking	NOUN
atssr-1457	170	7	industry	industry	NOUN
atssr-1457	170	8	profitability	profitability	NOUN
atssr-1457	170	9	:	:	PUNCT
atssr-1457	170	10	panel	panel	NOUN
atssr-1457	170	11	evidence	evidence	NOUN
atssr-1457	170	12	.	.	PUNCT
atssr-1457	171	1	university	university	NOUN
atssr-1457	171	2	libre	libre	PROPN
atssr-1457	171	3	de	de	X
atssr-1457	171	4	tunis	tunis	PROPN
atssr-1457	171	5	,	,	PUNCT
atssr-1457	171	6	tunisia	tunisia	PROPN
atssr-1457	171	7	.	.	PUNCT
atssr-1457	172	1	ongore	ongore	PROPN
atssr-1457	172	2	,	,	PUNCT
atssr-1457	172	3	v.	v.	ADP
atssr-1457	172	4	o.	o.	PROPN
atssr-1457	172	5	&	&	CCONJ
atssr-1457	172	6	kusa	kusa	PROPN
atssr-1457	172	7	,	,	PUNCT
atssr-1457	172	8	g.	g.	PROPN
atssr-1457	172	9	b.	b.	PROPN
atssr-1457	172	10	(	(	PUNCT
atssr-1457	172	11	2013	2013	NUM
atssr-1457	172	12	)	)	PUNCT
atssr-1457	172	13	.	.	PUNCT
atssr-1457	173	1	determinants	determinant	NOUN
atssr-1457	173	2	of	of	ADP
atssr-1457	173	3	financial	financial	ADJ
atssr-1457	173	4	performance	performance	NOUN
atssr-1457	173	5	of	of	ADP
atssr-1457	173	6	commercial	commercial	ADJ
atssr-1457	173	7	banks	bank	NOUN
atssr-1457	173	8	in	in	ADP
atssr-1457	173	9	kenya	kenya	PROPN
atssr-1457	173	10	.	.	PUNCT
atssr-1457	174	1	international	international	ADJ
atssr-1457	174	2	journal	journal	PROPN
atssr-1457	174	3	of	of	ADP
atssr-1457	174	4	economics	economic	NOUN
atssr-1457	174	5	and	and	CCONJ
atssr-1457	174	6	financial	financial	ADJ
atssr-1457	174	7	issues	issue	NOUN
atssr-1457	174	8	,	,	PUNCT
atssr-1457	174	9	3(1	3(1	NUM
atssr-1457	174	10	):	):	PUNCT
atssr-1457	174	11	237	237	NUM
atssr-1457	174	12	-	-	SYM
atssr-1457	174	13	252	252	NUM
atssr-1457	174	14	.	.	PUNCT
atssr-1457	175	1	pasiouras	pasiouras	PROPN
atssr-1457	175	2	,	,	PUNCT
atssr-1457	175	3	f.	f.	PROPN
atssr-1457	175	4	&	&	CCONJ
atssr-1457	175	5	kosmidou	kosmidou	PROPN
atssr-1457	175	6	,	,	PUNCT
atssr-1457	175	7	k.	k.	PROPN
atssr-1457	175	8	(	(	PUNCT
atssr-1457	175	9	2007	2007	NUM
atssr-1457	175	10	)	)	PUNCT
atssr-1457	175	11	.	.	PUNCT
atssr-1457	176	1	factors	factor	NOUN
atssr-1457	176	2	influencing	influence	VERB
atssr-1457	176	3	the	the	DET
atssr-1457	176	4	profitability	profitability	NOUN
atssr-1457	176	5	of	of	ADP
atssr-1457	176	6	domestic	domestic	ADJ
atssr-1457	176	7	and	and	CCONJ
atssr-1457	176	8	foreign	foreign	ADJ
atssr-1457	176	9	commercial	commercial	ADJ
atssr-1457	176	10	banks	bank	NOUN
atssr-1457	176	11	in	in	ADP
atssr-1457	176	12	the	the	DET
atssr-1457	176	13	european	european	PROPN
atssr-1457	176	14	union	union	PROPN
atssr-1457	176	15	.	.	PUNCT
atssr-1457	177	1	research	research	NOUN
atssr-1457	177	2	in	in	ADP
atssr-1457	177	3	international	international	ADJ
atssr-1457	177	4	business	business	NOUN
atssr-1457	177	5	and	and	CCONJ
atssr-1457	177	6	finance	finance	NOUN
atssr-1457	177	7	,	,	PUNCT
atssr-1457	177	8	21(2	21(2	NUM
atssr-1457	177	9	):	):	PUNCT
atssr-1457	177	10	222	222	NUM
atssr-1457	177	11	-	-	SYM
atssr-1457	177	12	237	237	NUM
atssr-1457	177	13	.	.	PUNCT
atssr-1457	178	1	panda	panda	NOUN
atssr-1457	178	2	,	,	PUNCT
atssr-1457	178	3	m.r	m.r	PROPN
atssr-1457	178	4	.	.	PROPN
atssr-1457	178	5	&	&	CCONJ
atssr-1457	178	6	hota	hota	PROPN
atssr-1457	178	7	,	,	PUNCT
atssr-1457	178	8	d.p.k	d.p.k	PROPN
atssr-1457	178	9	.	.	PUNCT
atssr-1457	179	1	(	(	PUNCT
atssr-1457	179	2	2014	2014	NUM
atssr-1457	179	3	)	)	PUNCT
atssr-1457	179	4	an	an	DET
atssr-1457	179	5	empirical	empirical	ADJ
atssr-1457	179	6	study	study	NOUN
atssr-1457	179	7	of	of	ADP
atssr-1457	179	8	the	the	DET
atssr-1457	179	9	key	key	ADJ
atssr-1457	179	10	determinants	determinant	NOUN
atssr-1457	179	11	of	of	ADP
atssr-1457	179	12	competition	competition	NOUN
atssr-1457	179	13	in	in	ADP
atssr-1457	179	14	indonesia	indonesia	PROPN
atssr-1457	179	15	banking	banking	NOUN
atssr-1457	179	16	sector	sector	NOUN
atssr-1457	179	17	.	.	PUNCT
atssr-1457	180	1	global	global	ADJ
atssr-1457	180	2	journal	journal	PROPN
atssr-1457	180	3	of	of	ADP
atssr-1457	180	4	commerce	commerce	PROPN
atssr-1457	180	5	and	and	CCONJ
atssr-1457	180	6	management	management	NOUN
atssr-1457	180	7	perspective	perspective	NOUN
atssr-1457	180	8	.	.	PUNCT
atssr-1457	181	1	asian	asian	ADJ
atssr-1457	181	2	themes	theme	NOUN
atssr-1457	181	3	in	in	ADP
atssr-1457	181	4	social	social	ADJ
atssr-1457	181	5	sciences	science	NOUN
atssr-1457	181	6	research	research	NOUN
atssr-1457	181	7	2018	2018	NUM
atssr-1457	181	8	,	,	PUNCT
atssr-1457	181	9	vol	vol	NOUN
atssr-1457	181	10	.	.	PROPN
atssr-1457	181	11	1	1	NUM
atssr-1457	181	12	,	,	PUNCT
atssr-1457	181	13	no	no	INTJ
atssr-1457	181	14	.	.	NOUN
atssr-1457	181	15	2	2	NUM
atssr-1457	181	16	,	,	PUNCT
atssr-1457	181	17	pp	pp	ADJ
atssr-1457	181	18	.	.	PUNCT
atssr-1457	182	1	44	44	NUM
atssr-1457	182	2	-	-	SYM
atssr-1457	182	3	49	49	NUM
atssr-1457	182	4	49	49	NUM
atssr-1457	182	5	©	©	PROPN
atssr-1457	182	6	2018	2018	NUM
atssr-1457	182	7	by	by	ADP
atssr-1457	182	8	the	the	DET
atssr-1457	182	9	authors	author	NOUN
atssr-1457	182	10	;	;	PUNCT
atssr-1457	183	1	licensee	licensee	VERB
atssr-1457	183	2	online	online	ADJ
atssr-1457	183	3	academic	academic	ADJ
atssr-1457	183	4	press	press	NOUN
atssr-1457	183	5	,	,	PUNCT
atssr-1457	183	6	usa	usa	PROPN
atssr-1457	183	7	saeed	saeed	PROPN
atssr-1457	183	8	,	,	PUNCT
atssr-1457	183	9	m.	m.	PROPN
atssr-1457	183	10	s.	s.	PROPN
atssr-1457	183	11	&	&	CCONJ
atssr-1457	183	12	zahid	zahid	PROPN
atssr-1457	183	13	,	,	PUNCT
atssr-1457	183	14	n.	n.	PROPN
atssr-1457	183	15	(	(	PUNCT
atssr-1457	183	16	2016	2016	NUM
atssr-1457	183	17	)	)	PUNCT
atssr-1457	183	18	.	.	PUNCT
atssr-1457	184	1	the	the	DET
atssr-1457	184	2	impact	impact	NOUN
atssr-1457	184	3	of	of	ADP
atssr-1457	184	4	credit	credit	NOUN
atssr-1457	184	5	risk	risk	NOUN
atssr-1457	184	6	on	on	ADP
atssr-1457	184	7	profitability	profitability	NOUN
atssr-1457	184	8	of	of	ADP
atssr-1457	184	9	the	the	DET
atssr-1457	184	10	commercial	commercial	ADJ
atssr-1457	184	11	banks	bank	NOUN
atssr-1457	184	12	.	.	PUNCT
atssr-1457	185	1	journal	journal	PROPN
atssr-1457	185	2	of	of	ADP
atssr-1457	185	3	business	business	NOUN
atssr-1457	185	4	and	and	CCONJ
atssr-1457	185	5	financial	financial	ADJ
atssr-1457	185	6	affairs	affair	NOUN
atssr-1457	185	7	,	,	PUNCT
atssr-1457	185	8	5(2	5(2	NUM
atssr-1457	185	9	):	):	PUNCT
atssr-1457	185	10	192	192	NUM
atssr-1457	185	11	.	.	X
atssr-1457	185	12	sayılgan	sayılgan	PROPN
atssr-1457	185	13	,	,	PUNCT
atssr-1457	185	14	g.	g.	PROPN
atssr-1457	185	15	&	&	CCONJ
atssr-1457	185	16	yıldırım	yıldırım	PROPN
atssr-1457	185	17	,	,	PUNCT
atssr-1457	185	18	o.	o.	PROPN
atssr-1457	185	19	(	(	PUNCT
atssr-1457	185	20	2009	2009	NUM
atssr-1457	185	21	)	)	PUNCT
atssr-1457	185	22	.	.	PUNCT
atssr-1457	186	1	determinants	determinant	NOUN
atssr-1457	186	2	of	of	ADP
atssr-1457	186	3	profitability	profitability	NOUN
atssr-1457	186	4	in	in	ADP
atssr-1457	186	5	turkish	turkish	ADJ
atssr-1457	186	6	banking	banking	NOUN
atssr-1457	186	7	sector	sector	NOUN
atssr-1457	186	8	:	:	PUNCT
atssr-1457	186	9	2002	2002	NUM
atssr-1457	186	10	-	-	SYM
atssr-1457	186	11	2007	2007	NUM
atssr-1457	186	12	.	.	PUNCT
atssr-1457	187	1	international	international	ADJ
atssr-1457	187	2	research	research	PROPN
atssr-1457	187	3	journal	journal	PROPN
atssr-1457	187	4	of	of	ADP
atssr-1457	187	5	finance	finance	PROPN
atssr-1457	187	6	&	&	CCONJ
atssr-1457	187	7	economics	economic	NOUN
atssr-1457	187	8	,	,	PUNCT
atssr-1457	187	9	28	28	NUM
atssr-1457	187	10	:	:	PUNCT
atssr-1457	187	11	207	207	NUM
atssr-1457	187	12	-	-	SYM
atssr-1457	187	13	214	214	NUM
atssr-1457	187	14	.	.	PUNCT
atssr-1457	188	1	suzuki	suzuki	PROPN
atssr-1457	188	2	,	,	PUNCT
atssr-1457	188	3	y.	y.	PROPN
atssr-1457	188	4	&	&	CCONJ
atssr-1457	188	5	sastrosuwito	sastrosuwito	PROPN
atssr-1457	188	6	,	,	PUNCT
atssr-1457	188	7	s.	s.	PROPN
atssr-1457	188	8	(	(	PUNCT
atssr-1457	188	9	2014	2014	NUM
atssr-1457	188	10	)	)	PUNCT
atssr-1457	188	11	post	post	NOUN
atssr-1457	188	12	crisis	crisis	NOUN
atssr-1457	188	13	indonesian	indonesian	ADJ
atssr-1457	188	14	banking	banking	NOUN
atssr-1457	188	15	system	system	NOUN
atssr-1457	188	16	profitability	profitability	NOUN
atssr-1457	188	17	:	:	PUNCT
atssr-1457	188	18	bank	bank	NOUN
atssr-1457	188	19	-	-	PUNCT
atssr-1457	188	20	specific	specific	ADJ
atssr-1457	188	21	,	,	PUNCT
atssr-1457	188	22	industry	industry	NOUN
atssr-1457	188	23	-	-	PUNCT
atssr-1457	188	24	specific	specific	ADJ
atssr-1457	188	25	and	and	CCONJ
atssr-1457	188	26	macroeconomic	macroeconomic	ADJ
atssr-1457	188	27	determinants	determinant	NOUN
atssr-1457	188	28	.	.	PUNCT
atssr-1457	189	1	ritsumeikan	ritsumeikan	PROPN
atssr-1457	189	2	asia	asia	PROPN
atssr-1457	189	3	pacifik	pacifik	PROPN
atssr-1457	189	4	university	university	PROPN
atssr-1457	189	5	,	,	PUNCT
atssr-1457	189	6	japan	japan	PROPN
atssr-1457	189	7	.	.	PUNCT
atssr-1457	189	8	shrestha	shrestha	PROPN
atssr-1457	189	9	,	,	PUNCT
atssr-1457	189	10	r.	r.	PROPN
atssr-1457	189	11	(	(	PUNCT
atssr-1457	189	12	2017	2017	NUM
atssr-1457	189	13	)	)	PUNCT
atssr-1457	189	14	.	.	PUNCT
atssr-1457	190	1	the	the	DET
atssr-1457	190	2	impact	impact	NOUN
atssr-1457	190	3	of	of	ADP
atssr-1457	190	4	credit	credit	NOUN
atssr-1457	190	5	risk	risk	NOUN
atssr-1457	190	6	management	management	NOUN
atssr-1457	190	7	on	on	ADP
atssr-1457	190	8	profitability	profitability	NOUN
atssr-1457	190	9	:	:	PUNCT
atssr-1457	190	10	evidence	evidence	NOUN
atssr-1457	190	11	from	from	ADP
atssr-1457	190	12	nepalese	nepalese	ADJ
atssr-1457	190	13	commercial	commercial	ADJ
atssr-1457	190	14	banks	bank	NOUN
atssr-1457	190	15	.	.	PUNCT
atssr-1457	190	16	available	available	ADJ
atssr-1457	190	17	from	from	ADP
atssr-1457	190	18	:	:	PUNCT
atssr-1457	190	19	https://ssrn.com/abstract=2938546	https://ssrn.com/abstract=2938546	PROPN
atssr-1457	190	20	.	.	PUNCT
atssr-1457	190	21	
 	
 	SPACE