id	sid	tid	token	lemma	pos
afbr-2190	1	1	australian	australian	ADJ
afbr-2190	1	2	finance	finance	NOUN
afbr-2190	1	3	&	&	CCONJ
afbr-2190	1	4	banking	banking	PROPN
afbr-2190	1	5	review	review	NOUN
afbr-2190	1	6	7(1	7(1	NUM
afbr-2190	1	7	)	)	PUNCT
afbr-2190	1	8	(	(	PUNCT
afbr-2190	1	9	2023	2023	NUM
afbr-2190	1	10	)	)	PUNCT
afbr-2190	1	11	,	,	PUNCT
afbr-2190	1	12	9	9	NUM
afbr-2190	1	13	-	-	SYM
afbr-2190	1	14	29	29	NUM
afbr-2190	1	15	9	9	NUM
afbr-2190	1	16	finance	finance	NOUN
afbr-2190	1	17	and	and	CCONJ
afbr-2190	1	18	banking	banking	NOUN
afbr-2190	1	19	afbr	afbr	ADJ
afbr-2190	1	20	vol	vol	NOUN
afbr-2190	1	21	7	7	NUM
afbr-2190	1	22	no	no	DET
afbr-2190	1	23	1	1	NUM
afbr-2190	1	24	(	(	PUNCT
afbr-2190	1	25	2023	2023	NUM
afbr-2190	1	26	)	)	PUNCT
afbr-2190	1	27	p	p	X
afbr-2190	1	28	-	-	PUNCT
afbr-2190	1	29	issn	issn	VERB
afbr-2190	1	30	2576	2576	NUM
afbr-2190	1	31	-	-	SYM
afbr-2190	1	32	1196	1196	NUM
afbr-2190	1	33	e	e	NOUN
afbr-2190	1	34	-	-	PROPN
afbr-2190	1	35	issn	issn	ADJ
afbr-2190	1	36	2576	2576	NUM
afbr-2190	1	37	-	-	PUNCT
afbr-2190	1	38	120x	120x	NOUN
afbr-2190	1	39	available	available	ADJ
afbr-2190	1	40	online	online	ADV
afbr-2190	1	41	at	at	ADP
afbr-2190	1	42	https://www.cribfb.com	https://www.cribfb.com	X
afbr-2190	1	43	journal	journal	PROPN
afbr-2190	1	44	homepage	homepage	NOUN
afbr-2190	1	45	:	:	PUNCT
afbr-2190	1	46	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	PROPN
afbr-2190	1	47	published	publish	VERB
afbr-2190	1	48	by	by	ADP
afbr-2190	1	49	cribfb	cribfb	NOUN
afbr-2190	1	50	history	history	NOUN
afbr-2190	1	51	of	of	ADP
afbr-2190	1	52	australian	australian	ADJ
afbr-2190	1	53	banking	banking	NOUN
afbr-2190	1	54	saleh	saleh	NOUN
afbr-2190	1	55	ahmed	ahmed	PROPN
afbr-2190	1	56	jakaria	jakaria	PROPN
afbr-2190	1	57	(	(	PUNCT
afbr-2190	1	58	a)1	a)1	PROPN
afbr-2190	1	59	(	(	PUNCT
afbr-2190	1	60	a	a	X
afbr-2190	1	61	)	)	PUNCT
afbr-2190	1	62	deputy	deputy	NOUN
afbr-2190	1	63	secretary	secretary	NOUN
afbr-2190	1	64	,	,	PUNCT
afbr-2190	1	65	director	director	NOUN
afbr-2190	1	66	,	,	PUNCT
afbr-2190	1	67	rajdhani	rajdhani	PROPN
afbr-2190	1	68	unnayan	unnayan	ADJ
afbr-2190	1	69	kartipakkha	kartipakkha	PROPN
afbr-2190	1	70	(	(	PUNCT
afbr-2190	1	71	rajuk	rajuk	NOUN
afbr-2190	1	72	)	)	PUNCT
afbr-2190	1	73	,	,	PUNCT
afbr-2190	1	74	bangladesh	bangladesh	NOUN
afbr-2190	1	75	;	;	PUNCT
afbr-2190	1	76	e	e	X
afbr-2190	1	77	-	-	NOUN
afbr-2190	1	78	mail	mail	NOUN
afbr-2190	1	79	:	:	PUNCT
afbr-2190	1	80	jakariads21@gmail.com	jakariads21@gmail.com	X
afbr-2190	2	1	a	a	DET
afbr-2190	2	2	r	r	NOUN
afbr-2190	2	3	t	t	NOUN
afbr-2190	3	1	i	i	PRON
afbr-2190	3	2	c	c	NOUN
afbr-2190	3	3	l	l	NOUN
afbr-2190	3	4	e	e	NOUN
afbr-2190	4	1	i	i	PRON
afbr-2190	4	2	n	n	VERB
afbr-2190	4	3	f	f	NOUN
afbr-2190	4	4	o	o	NOUN
afbr-2190	4	5	article	article	NOUN
afbr-2190	4	6	history	history	NOUN
afbr-2190	4	7	:	:	PUNCT
afbr-2190	4	8	received	receive	VERB
afbr-2190	4	9	:	:	PUNCT
afbr-2190	4	10	29th	29th	ADJ
afbr-2190	4	11	june	june	PROPN
afbr-2190	4	12	2023	2023	NUM
afbr-2190	4	13	revised	revise	VERB
afbr-2190	4	14	:	:	PUNCT
afbr-2190	4	15	30th	30th	ADJ
afbr-2190	4	16	june	june	PROPN
afbr-2190	4	17	to	to	ADP
afbr-2190	4	18	19th	19th	ADJ
afbr-2190	4	19	august	august	PROPN
afbr-2190	4	20	2023	2023	NUM
afbr-2190	4	21	accepted	accept	VERB
afbr-2190	4	22	:	:	PUNCT
afbr-2190	4	23	20th	20th	ADJ
afbr-2190	4	24	august	august	PROPN
afbr-2190	4	25	2023	2023	NUM
afbr-2190	4	26	published	publish	VERB
afbr-2190	4	27	:	:	PUNCT
afbr-2190	4	28	21st	21st	ADJ
afbr-2190	4	29	august	august	PROPN
afbr-2190	4	30	2023	2023	NUM
afbr-2190	4	31	keywords	keyword	NOUN
afbr-2190	4	32	:	:	PUNCT
afbr-2190	4	33	australian	australian	ADJ
afbr-2190	4	34	banking	banking	NOUN
afbr-2190	4	35	,	,	PUNCT
afbr-2190	4	36	history	history	NOUN
afbr-2190	4	37	.	.	PUNCT
afbr-2190	5	1	jel	jel	PROPN
afbr-2190	5	2	classification	classification	NOUN
afbr-2190	5	3	codes	code	NOUN
afbr-2190	5	4	:	:	PUNCT
afbr-2190	5	5	e50	e50	NOUN
afbr-2190	5	6	a	a	DET
afbr-2190	5	7	b	b	PROPN
afbr-2190	5	8	s	s	ADP
afbr-2190	5	9	t	t	PROPN
afbr-2190	5	10	r	r	NOUN
afbr-2190	5	11	a	a	DET
afbr-2190	5	12	c	c	NOUN
afbr-2190	5	13	t	t	NOUN
afbr-2190	5	14	this	this	DET
afbr-2190	5	15	paper	paper	NOUN
afbr-2190	5	16	offers	offer	VERB
afbr-2190	5	17	a	a	DET
afbr-2190	5	18	detailed	detailed	ADJ
afbr-2190	5	19	exploration	exploration	NOUN
afbr-2190	5	20	of	of	ADP
afbr-2190	5	21	the	the	DET
afbr-2190	5	22	intricate	intricate	ADJ
afbr-2190	5	23	history	history	NOUN
afbr-2190	5	24	of	of	ADP
afbr-2190	5	25	australian	australian	ADJ
afbr-2190	5	26	banking	banking	NOUN
afbr-2190	5	27	,	,	PUNCT
afbr-2190	5	28	unraveling	unravel	VERB
afbr-2190	5	29	its	its	PRON
afbr-2190	5	30	inception	inception	NOUN
afbr-2190	5	31	,	,	PUNCT
afbr-2190	5	32	progression	progression	NOUN
afbr-2190	5	33	,	,	PUNCT
afbr-2190	5	34	and	and	CCONJ
afbr-2190	5	35	pivotal	pivotal	ADJ
afbr-2190	5	36	junctures	juncture	NOUN
afbr-2190	5	37	that	that	PRON
afbr-2190	5	38	have	have	AUX
afbr-2190	5	39	sculpted	sculpt	VERB
afbr-2190	5	40	the	the	DET
afbr-2190	5	41	financial	financial	ADJ
afbr-2190	5	42	terrain	terrain	NOUN
afbr-2190	5	43	of	of	ADP
afbr-2190	5	44	the	the	DET
afbr-2190	5	45	nation	nation	NOUN
afbr-2190	5	46	.	.	PUNCT
afbr-2190	6	1	originating	originate	VERB
afbr-2190	6	2	as	as	ADP
afbr-2190	6	3	modest	modest	ADJ
afbr-2190	6	4	colonial	colonial	ADJ
afbr-2190	6	5	endeavors	endeavor	NOUN
afbr-2190	6	6	,	,	PUNCT
afbr-2190	6	7	australian	australian	ADJ
afbr-2190	6	8	banks	bank	NOUN
afbr-2190	6	9	have	have	AUX
afbr-2190	6	10	evolved	evolve	VERB
afbr-2190	6	11	into	into	ADP
afbr-2190	6	12	significant	significant	ADJ
afbr-2190	6	13	players	player	NOUN
afbr-2190	6	14	in	in	ADP
afbr-2190	6	15	the	the	DET
afbr-2190	6	16	global	global	ADJ
afbr-2190	6	17	financial	financial	ADJ
afbr-2190	6	18	arena	arena	NOUN
afbr-2190	6	19	.	.	PUNCT
afbr-2190	7	1	this	this	DET
afbr-2190	7	2	journey	journey	NOUN
afbr-2190	7	3	of	of	ADP
afbr-2190	7	4	australian	australian	ADJ
afbr-2190	7	5	banking	banking	NOUN
afbr-2190	7	6	mirrors	mirror	NOUN
afbr-2190	7	7	a	a	DET
afbr-2190	7	8	captivating	captivating	ADJ
afbr-2190	7	9	fusion	fusion	NOUN
afbr-2190	7	10	of	of	ADP
afbr-2190	7	11	economic	economic	ADJ
afbr-2190	7	12	dynamics	dynamic	NOUN
afbr-2190	7	13	,	,	PUNCT
afbr-2190	7	14	political	political	ADJ
afbr-2190	7	15	frameworks	framework	NOUN
afbr-2190	7	16	,	,	PUNCT
afbr-2190	7	17	and	and	CCONJ
afbr-2190	7	18	societal	societal	ADJ
afbr-2190	7	19	shifts	shift	NOUN
afbr-2190	7	20	.	.	PUNCT
afbr-2190	8	1	by	by	ADP
afbr-2190	8	2	meticulously	meticulously	ADV
afbr-2190	8	3	scrutinizing	scrutinize	VERB
afbr-2190	8	4	critical	critical	ADJ
afbr-2190	8	5	junctures	juncture	NOUN
afbr-2190	8	6	,	,	PUNCT
afbr-2190	8	7	regulatory	regulatory	ADJ
afbr-2190	8	8	shifts	shift	NOUN
afbr-2190	8	9	,	,	PUNCT
afbr-2190	8	10	technological	technological	ADJ
afbr-2190	8	11	innovations	innovation	NOUN
afbr-2190	8	12	,	,	PUNCT
afbr-2190	8	13	and	and	CCONJ
afbr-2190	8	14	socio	socio	NOUN
afbr-2190	8	15	-	-	PUNCT
afbr-2190	8	16	economic	economic	ADJ
afbr-2190	8	17	determinants	determinant	NOUN
afbr-2190	8	18	,	,	PUNCT
afbr-2190	8	19	this	this	DET
afbr-2190	8	20	paper	paper	NOUN
afbr-2190	8	21	endeavors	endeavor	NOUN
afbr-2190	8	22	to	to	PART
afbr-2190	8	23	furnish	furnish	VERB
afbr-2190	8	24	a	a	DET
afbr-2190	8	25	nuanced	nuanced	ADJ
afbr-2190	8	26	comprehension	comprehension	NOUN
afbr-2190	8	27	of	of	ADP
afbr-2190	8	28	the	the	DET
afbr-2190	8	29	trajectory	trajectory	NOUN
afbr-2190	8	30	of	of	ADP
afbr-2190	8	31	australian	australian	ADJ
afbr-2190	8	32	banking	banking	NOUN
afbr-2190	8	33	across	across	ADP
afbr-2190	8	34	centuries	century	NOUN
afbr-2190	8	35	.	.	PUNCT
afbr-2190	9	1	from	from	ADP
afbr-2190	9	2	the	the	DET
afbr-2190	9	3	pioneering	pioneering	ADJ
afbr-2190	9	4	ventures	venture	NOUN
afbr-2190	9	5	of	of	ADP
afbr-2190	9	6	the	the	DET
afbr-2190	9	7	colonial	colonial	ADJ
afbr-2190	9	8	era	era	NOUN
afbr-2190	9	9	to	to	ADP
afbr-2190	9	10	the	the	DET
afbr-2190	9	11	contemporary	contemporary	ADJ
afbr-2190	9	12	complexities	complexity	NOUN
afbr-2190	9	13	of	of	ADP
afbr-2190	9	14	a	a	DET
afbr-2190	9	15	digitalized	digitalized	ADJ
afbr-2190	9	16	world	world	NOUN
afbr-2190	9	17	,	,	PUNCT
afbr-2190	9	18	the	the	DET
afbr-2190	9	19	narrative	narrative	NOUN
afbr-2190	9	20	unfolds	unfold	VERB
afbr-2190	9	21	a	a	DET
afbr-2190	9	22	narrative	narrative	NOUN
afbr-2190	9	23	rich	rich	ADJ
afbr-2190	9	24	in	in	ADP
afbr-2190	9	25	resilience	resilience	NOUN
afbr-2190	9	26	,	,	PUNCT
afbr-2190	9	27	adaptation	adaptation	NOUN
afbr-2190	9	28	,	,	PUNCT
afbr-2190	9	29	and	and	CCONJ
afbr-2190	9	30	evolution	evolution	NOUN
afbr-2190	9	31	.	.	PUNCT
afbr-2190	10	1	through	through	ADP
afbr-2190	10	2	this	this	DET
afbr-2190	10	3	examination	examination	NOUN
afbr-2190	10	4	,	,	PUNCT
afbr-2190	10	5	we	we	PRON
afbr-2190	10	6	gain	gain	VERB
afbr-2190	10	7	insight	insight	NOUN
afbr-2190	10	8	into	into	ADP
afbr-2190	10	9	the	the	DET
afbr-2190	10	10	enduring	endure	VERB
afbr-2190	10	11	legacy	legacy	NOUN
afbr-2190	10	12	,	,	PUNCT
afbr-2190	10	13	challenges	challenge	NOUN
afbr-2190	10	14	,	,	PUNCT
afbr-2190	10	15	and	and	CCONJ
afbr-2190	10	16	transformative	transformative	VERB
afbr-2190	10	17	potential	potential	NOUN
afbr-2190	10	18	of	of	ADP
afbr-2190	10	19	australian	australian	ADJ
afbr-2190	10	20	banking	banking	NOUN
afbr-2190	10	21	,	,	PUNCT
afbr-2190	10	22	illuminating	illuminate	VERB
afbr-2190	10	23	its	its	PRON
afbr-2190	10	24	integral	integral	ADJ
afbr-2190	10	25	role	role	NOUN
afbr-2190	10	26	in	in	ADP
afbr-2190	10	27	shaping	shape	VERB
afbr-2190	10	28	the	the	DET
afbr-2190	10	29	economic	economic	ADJ
afbr-2190	10	30	landscape	landscape	NOUN
afbr-2190	10	31	of	of	ADP
afbr-2190	10	32	the	the	DET
afbr-2190	10	33	continent	continent	NOUN
afbr-2190	10	34	.	.	PUNCT
afbr-2190	11	1	©	©	ADP
afbr-2190	11	2	2023	2023	NUM
afbr-2190	11	3	by	by	ADP
afbr-2190	11	4	the	the	DET
afbr-2190	11	5	authors	author	NOUN
afbr-2190	11	6	.	.	PUNCT
afbr-2190	11	7	licensee	licensee	PROPN
afbr-2190	11	8	cribfb	cribfb	PROPN
afbr-2190	11	9	.	.	PUNCT
afbr-2190	12	1	this	this	DET
afbr-2190	12	2	article	article	NOUN
afbr-2190	12	3	is	be	AUX
afbr-2190	12	4	an	an	DET
afbr-2190	12	5	open	open	ADJ
afbr-2190	12	6	-	-	PUNCT
afbr-2190	12	7	access	access	NOUN
afbr-2190	12	8	article	article	NOUN
afbr-2190	12	9	distributed	distribute	VERB
afbr-2190	12	10	under	under	ADP
afbr-2190	12	11	the	the	DET
afbr-2190	12	12	terms	term	NOUN
afbr-2190	12	13	and	and	CCONJ
afbr-2190	12	14	conditions	condition	NOUN
afbr-2190	12	15	of	of	ADP
afbr-2190	12	16	the	the	DET
afbr-2190	12	17	creative	creative	ADJ
afbr-2190	12	18	commons	common	NOUN
afbr-2190	12	19	attribution	attribution	NOUN
afbr-2190	12	20	(	(	PUNCT
afbr-2190	12	21	cc	cc	NOUN
afbr-2190	12	22	by	by	ADP
afbr-2190	12	23	)	)	PUNCT
afbr-2190	12	24	license	license	NOUN
afbr-2190	12	25	(	(	PUNCT
afbr-2190	12	26	http://creativecommons.org/licenses/by/4.0	http://creativecommons.org/licenses/by/4.0	NOUN
afbr-2190	12	27	)	)	PUNCT
afbr-2190	12	28	.	.	PUNCT
afbr-2190	13	1	introduction	introduction	NOUN
afbr-2190	13	2	banking	banking	NOUN
afbr-2190	13	3	plays	play	VERB
afbr-2190	13	4	a	a	DET
afbr-2190	13	5	pivotal	pivotal	ADJ
afbr-2190	13	6	role	role	NOUN
afbr-2190	13	7	in	in	ADP
afbr-2190	13	8	the	the	DET
afbr-2190	13	9	economic	economic	ADJ
afbr-2190	13	10	development	development	NOUN
afbr-2190	13	11	of	of	ADP
afbr-2190	13	12	australia	australia	PROPN
afbr-2190	13	13	,	,	PUNCT
afbr-2190	13	14	serving	serve	VERB
afbr-2190	13	15	as	as	ADP
afbr-2190	13	16	the	the	DET
afbr-2190	13	17	backbone	backbone	NOUN
afbr-2190	13	18	of	of	ADP
afbr-2190	13	19	its	its	PRON
afbr-2190	13	20	financial	financial	ADJ
afbr-2190	13	21	infrastructure	infrastructure	NOUN
afbr-2190	13	22	and	and	CCONJ
afbr-2190	13	23	providing	provide	VERB
afbr-2190	13	24	essential	essential	ADJ
afbr-2190	13	25	services	service	NOUN
afbr-2190	13	26	to	to	ADP
afbr-2190	13	27	individuals	individual	NOUN
afbr-2190	13	28	,	,	PUNCT
afbr-2190	13	29	businesses	business	NOUN
afbr-2190	13	30	,	,	PUNCT
afbr-2190	13	31	and	and	CCONJ
afbr-2190	13	32	the	the	DET
afbr-2190	13	33	broader	broad	ADJ
afbr-2190	13	34	economy	economy	NOUN
afbr-2190	13	35	.	.	PUNCT
afbr-2190	14	1	from	from	ADP
afbr-2190	14	2	the	the	DET
afbr-2190	14	3	early	early	ADJ
afbr-2190	14	4	days	day	NOUN
afbr-2190	14	5	of	of	ADP
afbr-2190	14	6	colonization	colonization	NOUN
afbr-2190	14	7	to	to	ADP
afbr-2190	14	8	the	the	DET
afbr-2190	14	9	modern	modern	ADJ
afbr-2190	14	10	digital	digital	ADJ
afbr-2190	14	11	era	era	NOUN
afbr-2190	14	12	,	,	PUNCT
afbr-2190	14	13	the	the	DET
afbr-2190	14	14	evolution	evolution	NOUN
afbr-2190	14	15	of	of	ADP
afbr-2190	14	16	australian	australian	ADJ
afbr-2190	14	17	banking	banking	NOUN
afbr-2190	14	18	has	have	AUX
afbr-2190	14	19	been	be	AUX
afbr-2190	14	20	intricately	intricately	ADV
afbr-2190	14	21	intertwined	intertwine	VERB
afbr-2190	14	22	with	with	ADP
afbr-2190	14	23	the	the	DET
afbr-2190	14	24	nation	nation	NOUN
afbr-2190	14	25	's	's	PART
afbr-2190	14	26	economic	economic	ADJ
afbr-2190	14	27	growth	growth	NOUN
afbr-2190	14	28	,	,	PUNCT
afbr-2190	14	29	trade	trade	NOUN
afbr-2190	14	30	expansion	expansion	NOUN
afbr-2190	14	31	,	,	PUNCT
afbr-2190	14	32	and	and	CCONJ
afbr-2190	14	33	social	social	ADJ
afbr-2190	14	34	development	development	NOUN
afbr-2190	14	35	.	.	PUNCT
afbr-2190	15	1	during	during	ADP
afbr-2190	15	2	the	the	DET
afbr-2190	15	3	colonial	colonial	ADJ
afbr-2190	15	4	era	era	NOUN
afbr-2190	15	5	,	,	PUNCT
afbr-2190	15	6	banking	banking	NOUN
afbr-2190	15	7	institutions	institution	NOUN
afbr-2190	15	8	emerged	emerge	VERB
afbr-2190	15	9	primarily	primarily	ADV
afbr-2190	15	10	to	to	PART
afbr-2190	15	11	support	support	VERB
afbr-2190	15	12	the	the	DET
afbr-2190	15	13	burgeoning	burgeon	VERB
afbr-2190	15	14	trade	trade	NOUN
afbr-2190	15	15	activities	activity	NOUN
afbr-2190	15	16	and	and	CCONJ
afbr-2190	15	17	agricultural	agricultural	ADJ
afbr-2190	15	18	ventures	venture	NOUN
afbr-2190	15	19	of	of	ADP
afbr-2190	15	20	the	the	DET
afbr-2190	15	21	newly	newly	ADV
afbr-2190	15	22	established	establish	VERB
afbr-2190	15	23	colonies	colony	NOUN
afbr-2190	15	24	.	.	PUNCT
afbr-2190	16	1	these	these	DET
afbr-2190	16	2	banks	bank	NOUN
afbr-2190	16	3	facilitated	facilitate	VERB
afbr-2190	16	4	transactions	transaction	NOUN
afbr-2190	16	5	,	,	PUNCT
afbr-2190	16	6	provided	provide	VERB
afbr-2190	16	7	credit	credit	NOUN
afbr-2190	16	8	to	to	ADP
afbr-2190	16	9	farmers	farmer	NOUN
afbr-2190	16	10	and	and	CCONJ
afbr-2190	16	11	entrepreneurs	entrepreneur	NOUN
afbr-2190	16	12	,	,	PUNCT
afbr-2190	16	13	and	and	CCONJ
afbr-2190	16	14	played	play	VERB
afbr-2190	16	15	a	a	DET
afbr-2190	16	16	crucial	crucial	ADJ
afbr-2190	16	17	role	role	NOUN
afbr-2190	16	18	in	in	ADP
afbr-2190	16	19	channeling	channel	VERB
afbr-2190	16	20	capital	capital	NOUN
afbr-2190	16	21	into	into	ADP
afbr-2190	16	22	productive	productive	ADJ
afbr-2190	16	23	investments	investment	NOUN
afbr-2190	16	24	.	.	PUNCT
afbr-2190	17	1	as	as	SCONJ
afbr-2190	17	2	australia	australia	PROPN
afbr-2190	17	3	transitioned	transition	VERB
afbr-2190	17	4	from	from	ADP
afbr-2190	17	5	a	a	DET
afbr-2190	17	6	collection	collection	NOUN
afbr-2190	17	7	of	of	ADP
afbr-2190	17	8	colonies	colony	NOUN
afbr-2190	17	9	to	to	ADP
afbr-2190	17	10	a	a	DET
afbr-2190	17	11	federated	federated	ADJ
afbr-2190	17	12	nation	nation	NOUN
afbr-2190	17	13	in	in	ADP
afbr-2190	17	14	1901	1901	NUM
afbr-2190	17	15	,	,	PUNCT
afbr-2190	17	16	the	the	DET
afbr-2190	17	17	banking	banking	NOUN
afbr-2190	17	18	sector	sector	NOUN
afbr-2190	17	19	underwent	undergo	VERB
afbr-2190	17	20	significant	significant	ADJ
afbr-2190	17	21	consolidation	consolidation	NOUN
afbr-2190	17	22	and	and	CCONJ
afbr-2190	17	23	expansion	expansion	NOUN
afbr-2190	17	24	,	,	PUNCT
afbr-2190	17	25	laying	lay	VERB
afbr-2190	17	26	the	the	DET
afbr-2190	17	27	foundation	foundation	NOUN
afbr-2190	17	28	for	for	ADP
afbr-2190	17	29	a	a	DET
afbr-2190	17	30	more	more	ADV
afbr-2190	17	31	unified	unified	ADJ
afbr-2190	17	32	and	and	CCONJ
afbr-2190	17	33	robust	robust	ADJ
afbr-2190	17	34	financial	financial	ADJ
afbr-2190	17	35	system	system	NOUN
afbr-2190	17	36	.	.	PUNCT
afbr-2190	18	1	throughout	throughout	ADP
afbr-2190	18	2	the	the	DET
afbr-2190	18	3	20th	20th	ADJ
afbr-2190	18	4	century	century	NOUN
afbr-2190	18	5	,	,	PUNCT
afbr-2190	18	6	australian	australian	ADJ
afbr-2190	18	7	banks	bank	NOUN
afbr-2190	18	8	played	play	VERB
afbr-2190	18	9	key	key	ADJ
afbr-2190	18	10	roles	role	NOUN
afbr-2190	18	11	in	in	ADP
afbr-2190	18	12	financing	finance	VERB
afbr-2190	18	13	infrastructure	infrastructure	NOUN
afbr-2190	18	14	projects	project	NOUN
afbr-2190	18	15	,	,	PUNCT
afbr-2190	18	16	supporting	support	VERB
afbr-2190	18	17	industrialization	industrialization	NOUN
afbr-2190	18	18	,	,	PUNCT
afbr-2190	18	19	and	and	CCONJ
afbr-2190	18	20	managing	manage	VERB
afbr-2190	18	21	the	the	DET
afbr-2190	18	22	economic	economic	ADJ
afbr-2190	18	23	challenges	challenge	NOUN
afbr-2190	18	24	posed	pose	VERB
afbr-2190	18	25	by	by	ADP
afbr-2190	18	26	two	two	NUM
afbr-2190	18	27	world	world	NOUN
afbr-2190	18	28	wars	war	NOUN
afbr-2190	18	29	and	and	CCONJ
afbr-2190	18	30	subsequent	subsequent	ADJ
afbr-2190	18	31	global	global	ADJ
afbr-2190	18	32	crises	crisis	NOUN
afbr-2190	18	33	.	.	PUNCT
afbr-2190	19	1	the	the	DET
afbr-2190	19	2	establishment	establishment	NOUN
afbr-2190	19	3	of	of	ADP
afbr-2190	19	4	regulatory	regulatory	ADJ
afbr-2190	19	5	bodies	body	NOUN
afbr-2190	19	6	such	such	ADJ
afbr-2190	19	7	as	as	ADP
afbr-2190	19	8	the	the	DET
afbr-2190	19	9	reserve	reserve	PROPN
afbr-2190	19	10	bank	bank	PROPN
afbr-2190	19	11	of	of	ADP
afbr-2190	19	12	australia	australia	PROPN
afbr-2190	19	13	(	(	PUNCT
afbr-2190	19	14	rba	rba	NOUN
afbr-2190	19	15	)	)	PUNCT
afbr-2190	19	16	and	and	CCONJ
afbr-2190	19	17	the	the	DET
afbr-2190	19	18	australian	australian	ADJ
afbr-2190	19	19	prudential	prudential	ADJ
afbr-2190	19	20	regulation	regulation	PROPN
afbr-2190	19	21	authority	authority	NOUN
afbr-2190	19	22	(	(	PUNCT
afbr-2190	19	23	apra	apra	ADJ
afbr-2190	19	24	)	)	PUNCT
afbr-2190	19	25	further	far	ADV
afbr-2190	19	26	bolstered	bolster	VERB
afbr-2190	19	27	the	the	DET
afbr-2190	19	28	stability	stability	NOUN
afbr-2190	19	29	and	and	CCONJ
afbr-2190	19	30	resilience	resilience	NOUN
afbr-2190	19	31	of	of	ADP
afbr-2190	19	32	the	the	DET
afbr-2190	19	33	banking	banking	NOUN
afbr-2190	19	34	sector	sector	NOUN
afbr-2190	19	35	,	,	PUNCT
afbr-2190	19	36	ensuring	ensure	VERB
afbr-2190	19	37	prudent	prudent	ADJ
afbr-2190	19	38	oversight	oversight	NOUN
afbr-2190	19	39	and	and	CCONJ
afbr-2190	19	40	risk	risk	NOUN
afbr-2190	19	41	management	management	NOUN
afbr-2190	19	42	practices	practice	NOUN
afbr-2190	19	43	.	.	PUNCT
afbr-2190	20	1	in	in	ADP
afbr-2190	20	2	recent	recent	ADJ
afbr-2190	20	3	decades	decade	NOUN
afbr-2190	20	4	,	,	PUNCT
afbr-2190	20	5	technological	technological	ADJ
afbr-2190	20	6	advancements	advancement	NOUN
afbr-2190	20	7	have	have	AUX
afbr-2190	20	8	revolutionized	revolutionize	VERB
afbr-2190	20	9	the	the	DET
afbr-2190	20	10	way	way	NOUN
afbr-2190	20	11	banking	banking	NOUN
afbr-2190	20	12	services	service	NOUN
afbr-2190	20	13	are	be	AUX
afbr-2190	20	14	delivered	deliver	VERB
afbr-2190	20	15	,	,	PUNCT
afbr-2190	20	16	ushering	usher	VERB
afbr-2190	20	17	in	in	ADP
afbr-2190	20	18	an	an	DET
afbr-2190	20	19	era	era	NOUN
afbr-2190	20	20	of	of	ADP
afbr-2190	20	21	digital	digital	ADJ
afbr-2190	20	22	banking	banking	NOUN
afbr-2190	20	23	,	,	PUNCT
afbr-2190	20	24	electronic	electronic	ADJ
afbr-2190	20	25	payments	payment	NOUN
afbr-2190	20	26	,	,	PUNCT
afbr-2190	20	27	and	and	CCONJ
afbr-2190	20	28	fintech	fintech	NOUN
afbr-2190	20	29	innovation	innovation	NOUN
afbr-2190	20	30	.	.	PUNCT
afbr-2190	21	1	australian	australian	ADJ
afbr-2190	21	2	banks	bank	NOUN
afbr-2190	21	3	have	have	AUX
afbr-2190	21	4	embraced	embrace	VERB
afbr-2190	21	5	these	these	DET
afbr-2190	21	6	technological	technological	ADJ
afbr-2190	21	7	changes	change	NOUN
afbr-2190	21	8	,	,	PUNCT
afbr-2190	21	9	enhancing	enhance	VERB
afbr-2190	21	10	customer	customer	NOUN
afbr-2190	21	11	experiences	experience	NOUN
afbr-2190	21	12	,	,	PUNCT
afbr-2190	21	13	improving	improve	VERB
afbr-2190	21	14	operational	operational	ADJ
afbr-2190	21	15	efficiencies	efficiency	NOUN
afbr-2190	21	16	,	,	PUNCT
afbr-2190	21	17	and	and	CCONJ
afbr-2190	21	18	expanding	expand	VERB
afbr-2190	21	19	access	access	NOUN
afbr-2190	21	20	to	to	ADP
afbr-2190	21	21	financial	financial	ADJ
afbr-2190	21	22	services	service	NOUN
afbr-2190	21	23	,	,	PUNCT
afbr-2190	21	24	particularly	particularly	ADV
afbr-2190	21	25	in	in	ADP
afbr-2190	21	26	remote	remote	ADJ
afbr-2190	21	27	and	and	CCONJ
afbr-2190	21	28	underserved	underserved	ADJ
afbr-2190	21	29	areas	area	NOUN
afbr-2190	21	30	.	.	PUNCT
afbr-2190	22	1	moreover	moreover	ADV
afbr-2190	22	2	,	,	PUNCT
afbr-2190	22	3	australian	australian	ADJ
afbr-2190	22	4	banks	bank	NOUN
afbr-2190	22	5	have	have	AUX
afbr-2190	22	6	increasingly	increasingly	ADV
afbr-2190	22	7	recognized	recognize	VERB
afbr-2190	22	8	their	their	PRON
afbr-2190	22	9	social	social	ADJ
afbr-2190	22	10	and	and	CCONJ
afbr-2190	22	11	environmental	environmental	ADJ
afbr-2190	22	12	responsibilities	responsibility	NOUN
afbr-2190	22	13	,	,	PUNCT
afbr-2190	22	14	actively	actively	ADV
afbr-2190	22	15	engaging	engage	VERB
afbr-2190	22	16	in	in	ADP
afbr-2190	22	17	corporate	corporate	ADJ
afbr-2190	22	18	social	social	ADJ
afbr-2190	22	19	responsibility	responsibility	NOUN
afbr-2190	22	20	(	(	PUNCT
afbr-2190	22	21	csr	csr	NOUN
afbr-2190	22	22	)	)	PUNCT
afbr-2190	22	23	initiatives	initiative	NOUN
afbr-2190	22	24	,	,	PUNCT
afbr-2190	22	25	promoting	promote	VERB
afbr-2190	22	26	financial	financial	ADJ
afbr-2190	22	27	inclusion	inclusion	NOUN
afbr-2190	22	28	,	,	PUNCT
afbr-2190	22	29	and	and	CCONJ
afbr-2190	22	30	integrating	integrate	VERB
afbr-2190	22	31	sustainability	sustainability	NOUN
afbr-2190	22	32	considerations	consideration	NOUN
afbr-2190	22	33	into	into	ADP
afbr-2190	22	34	their	their	PRON
afbr-2190	22	35	business	business	NOUN
afbr-2190	22	36	practices	practice	NOUN
afbr-2190	22	37	.	.	PUNCT
afbr-2190	23	1	initiatives	initiative	NOUN
afbr-2190	23	2	such	such	ADJ
afbr-2190	23	3	as	as	ADP
afbr-2190	23	4	green	green	ADJ
afbr-2190	23	5	finance	finance	NOUN
afbr-2190	23	6	and	and	CCONJ
afbr-2190	23	7	ethical	ethical	ADJ
afbr-2190	23	8	investing	investing	NOUN
afbr-2190	23	9	underscore	underscore	NOUN
afbr-2190	23	10	the	the	DET
afbr-2190	23	11	sector	sector	NOUN
afbr-2190	23	12	's	's	PART
afbr-2190	23	13	commitment	commitment	NOUN
afbr-2190	23	14	to	to	ADP
afbr-2190	23	15	addressing	address	VERB
afbr-2190	23	16	pressing	press	VERB
afbr-2190	23	17	societal	societal	ADJ
afbr-2190	23	18	challenges	challenge	NOUN
afbr-2190	23	19	,	,	PUNCT
afbr-2190	23	20	including	include	VERB
afbr-2190	23	21	climate	climate	NOUN
afbr-2190	23	22	change	change	NOUN
afbr-2190	23	23	and	and	CCONJ
afbr-2190	23	24	social	social	ADJ
afbr-2190	23	25	inequality	inequality	NOUN
afbr-2190	23	26	.	.	PUNCT
afbr-2190	24	1	1corresponding	1corresponding	NUM
afbr-2190	24	2	author	author	NOUN
afbr-2190	24	3	:	:	PUNCT
afbr-2190	24	4	orcid	orcid	PROPN
afbr-2190	24	5	i	i	PRON
afbr-2190	24	6	d	d	NOUN
afbr-2190	24	7	:	:	PUNCT
afbr-2190	24	8	0009	0009	NUM
afbr-2190	24	9	-	-	SYM
afbr-2190	24	10	0003	0003	NUM
afbr-2190	24	11	-	-	PUNCT
afbr-2190	24	12	7811	7811	NUM
afbr-2190	24	13	-	-	SYM
afbr-2190	24	14	9124	9124	NUM
afbr-2190	24	15	©	©	PROPN
afbr-2190	24	16	2023	2023	NUM
afbr-2190	24	17	by	by	ADP
afbr-2190	24	18	the	the	DET
afbr-2190	24	19	authors	author	NOUN
afbr-2190	24	20	.	.	PUNCT
afbr-2190	25	1	hosting	host	VERB
afbr-2190	25	2	by	by	ADP
afbr-2190	25	3	cribfb	cribfb	PROPN
afbr-2190	25	4	.	.	PUNCT
afbr-2190	26	1	peer	peer	NOUN
afbr-2190	26	2	review	review	NOUN
afbr-2190	26	3	under	under	ADP
afbr-2190	26	4	responsibility	responsibility	NOUN
afbr-2190	26	5	of	of	ADP
afbr-2190	26	6	cribfb	cribfb	NOUN
afbr-2190	26	7	.	.	PUNCT
afbr-2190	27	1	https://doi.org/10.46281/afbr.v8i1.2190	https://doi.org/10.46281/afbr.v8i1.2190	VERB
afbr-2190	27	2	to	to	PART
afbr-2190	27	3	cite	cite	VERB
afbr-2190	27	4	this	this	DET
afbr-2190	27	5	article	article	NOUN
afbr-2190	27	6	:	:	PUNCT
afbr-2190	27	7	jakaria	jakaria	PROPN
afbr-2190	27	8	,	,	PUNCT
afbr-2190	27	9	s.	s.	PROPN
afbr-2190	27	10	a.	a.	PROPN
afbr-2190	27	11	(	(	PUNCT
afbr-2190	27	12	2023	2023	NUM
afbr-2190	27	13	)	)	PUNCT
afbr-2190	27	14	.	.	PUNCT
afbr-2190	28	1	history	history	NOUN
afbr-2190	28	2	of	of	ADP
afbr-2190	28	3	australian	australian	ADJ
afbr-2190	28	4	banking	banking	NOUN
afbr-2190	28	5	.	.	PUNCT
afbr-2190	29	1	australian	australian	ADJ
afbr-2190	29	2	finance	finance	PROPN
afbr-2190	29	3	&	&	CCONJ
afbr-2190	29	4	banking	banking	PROPN
afbr-2190	29	5	review	review	PROPN
afbr-2190	29	6	,	,	PUNCT
afbr-2190	29	7	7(1	7(1	NUM
afbr-2190	29	8	)	)	PUNCT
afbr-2190	29	9	,	,	PUNCT
afbr-2190	29	10	9	9	NUM
afbr-2190	29	11	-	-	SYM
afbr-2190	29	12	29	29	NUM
afbr-2190	29	13	.	.	PUNCT
afbr-2190	30	1	https://doi.org/10.46281/afbr.v8i1.2190	https://doi.org/10.46281/afbr.v8i1.2190	VERB
afbr-2190	30	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
afbr-2190	30	3	)	)	PUNCT
afbr-2190	30	4	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
afbr-2190	30	5	)	)	PUNCT
afbr-2190	30	6	https://doi.org/10.46281/afbr.v8i1.2190	https://doi.org/10.46281/afbr.v8i1.2190	VERB
afbr-2190	30	7	https://orcid.org/0009-0003-7811-9124	https://orcid.org/0009-0003-7811-9124	NOUN
afbr-2190	30	8	jakaria	jakaria	PROPN
afbr-2190	30	9	,	,	PUNCT
afbr-2190	30	10	australian	australian	ADJ
afbr-2190	30	11	finance	finance	NOUN
afbr-2190	30	12	&	&	CCONJ
afbr-2190	30	13	banking	banking	PROPN
afbr-2190	30	14	review	review	NOUN
afbr-2190	30	15	7(1	7(1	NUM
afbr-2190	30	16	)	)	PUNCT
afbr-2190	30	17	(	(	PUNCT
afbr-2190	30	18	2023	2023	NUM
afbr-2190	30	19	)	)	PUNCT
afbr-2190	30	20	,	,	PUNCT
afbr-2190	30	21	9	9	NUM
afbr-2190	30	22	-	-	SYM
afbr-2190	30	23	29	29	NUM
afbr-2190	30	24	10	10	NUM
afbr-2190	30	25	as	as	SCONJ
afbr-2190	30	26	australia	australia	PROPN
afbr-2190	30	27	navigates	navigate	VERB
afbr-2190	30	28	the	the	DET
afbr-2190	30	29	complexities	complexity	NOUN
afbr-2190	30	30	of	of	ADP
afbr-2190	30	31	the	the	DET
afbr-2190	30	32	21st	21st	ADJ
afbr-2190	30	33	-	-	PUNCT
afbr-2190	30	34	century	century	NOUN
afbr-2190	30	35	global	global	ADJ
afbr-2190	30	36	economy	economy	NOUN
afbr-2190	30	37	,	,	PUNCT
afbr-2190	30	38	the	the	DET
afbr-2190	30	39	banking	banking	NOUN
afbr-2190	30	40	sector	sector	NOUN
afbr-2190	30	41	continues	continue	VERB
afbr-2190	30	42	to	to	PART
afbr-2190	30	43	play	play	VERB
afbr-2190	30	44	a	a	DET
afbr-2190	30	45	critical	critical	ADJ
afbr-2190	30	46	role	role	NOUN
afbr-2190	30	47	in	in	ADP
afbr-2190	30	48	supporting	support	VERB
afbr-2190	30	49	economic	economic	ADJ
afbr-2190	30	50	growth	growth	NOUN
afbr-2190	30	51	,	,	PUNCT
afbr-2190	30	52	fostering	foster	VERB
afbr-2190	30	53	innovation	innovation	NOUN
afbr-2190	30	54	,	,	PUNCT
afbr-2190	30	55	and	and	CCONJ
afbr-2190	30	56	ensuring	ensure	VERB
afbr-2190	30	57	financial	financial	ADJ
afbr-2190	30	58	stability	stability	NOUN
afbr-2190	30	59	.	.	PUNCT
afbr-2190	31	1	by	by	ADP
afbr-2190	31	2	adapting	adapt	VERB
afbr-2190	31	3	to	to	ADP
afbr-2190	31	4	evolving	evolve	VERB
afbr-2190	31	5	market	market	NOUN
afbr-2190	31	6	dynamics	dynamic	NOUN
afbr-2190	31	7	,	,	PUNCT
afbr-2190	31	8	embracing	embrace	VERB
afbr-2190	31	9	technological	technological	ADJ
afbr-2190	31	10	innovations	innovation	NOUN
afbr-2190	31	11	,	,	PUNCT
afbr-2190	31	12	and	and	CCONJ
afbr-2190	31	13	upholding	uphold	VERB
afbr-2190	31	14	principles	principle	NOUN
afbr-2190	31	15	of	of	ADP
afbr-2190	31	16	accountability	accountability	NOUN
afbr-2190	31	17	and	and	CCONJ
afbr-2190	31	18	sustainability	sustainability	NOUN
afbr-2190	31	19	,	,	PUNCT
afbr-2190	31	20	australian	australian	ADJ
afbr-2190	31	21	banks	bank	NOUN
afbr-2190	31	22	are	be	AUX
afbr-2190	31	23	poised	poise	VERB
afbr-2190	31	24	to	to	PART
afbr-2190	31	25	contribute	contribute	VERB
afbr-2190	31	26	to	to	ADP
afbr-2190	31	27	the	the	DET
afbr-2190	31	28	nation	nation	NOUN
afbr-2190	31	29	's	's	PART
afbr-2190	31	30	prosperity	prosperity	NOUN
afbr-2190	31	31	and	and	CCONJ
afbr-2190	31	32	well	well	ADV
afbr-2190	31	33	-	-	PUNCT
afbr-2190	31	34	being	being	NOUN
afbr-2190	31	35	in	in	ADP
afbr-2190	31	36	the	the	DET
afbr-2190	31	37	years	year	NOUN
afbr-2190	31	38	to	to	PART
afbr-2190	31	39	come	come	VERB
afbr-2190	31	40	.	.	PUNCT
afbr-2190	32	1	the	the	DET
afbr-2190	32	2	purpose	purpose	NOUN
afbr-2190	32	3	of	of	ADP
afbr-2190	32	4	this	this	DET
afbr-2190	32	5	paper	paper	NOUN
afbr-2190	32	6	is	be	AUX
afbr-2190	32	7	to	to	PART
afbr-2190	32	8	provide	provide	VERB
afbr-2190	32	9	a	a	DET
afbr-2190	32	10	comprehensive	comprehensive	ADJ
afbr-2190	32	11	exploration	exploration	NOUN
afbr-2190	32	12	of	of	ADP
afbr-2190	32	13	australian	australian	ADJ
afbr-2190	32	14	banking	banking	NOUN
afbr-2190	32	15	history	history	NOUN
afbr-2190	32	16	,	,	PUNCT
afbr-2190	32	17	tracing	trace	VERB
afbr-2190	32	18	its	its	PRON
afbr-2190	32	19	evolution	evolution	NOUN
afbr-2190	32	20	from	from	ADP
afbr-2190	32	21	the	the	DET
afbr-2190	32	22	colonial	colonial	ADJ
afbr-2190	32	23	era	era	NOUN
afbr-2190	32	24	to	to	ADP
afbr-2190	32	25	the	the	DET
afbr-2190	32	26	modern	modern	ADJ
afbr-2190	32	27	-	-	PUNCT
afbr-2190	32	28	day	day	NOUN
afbr-2190	32	29	digital	digital	ADJ
afbr-2190	32	30	landscape	landscape	NOUN
afbr-2190	32	31	.	.	PUNCT
afbr-2190	33	1	through	through	ADP
afbr-2190	33	2	a	a	DET
afbr-2190	33	3	detailed	detailed	ADJ
afbr-2190	33	4	examination	examination	NOUN
afbr-2190	33	5	of	of	ADP
afbr-2190	33	6	key	key	ADJ
afbr-2190	33	7	milestones	milestone	NOUN
afbr-2190	33	8	,	,	PUNCT
afbr-2190	33	9	regulatory	regulatory	ADJ
afbr-2190	33	10	developments	development	NOUN
afbr-2190	33	11	,	,	PUNCT
afbr-2190	33	12	technological	technological	ADJ
afbr-2190	33	13	advancements	advancement	NOUN
afbr-2190	33	14	,	,	PUNCT
afbr-2190	33	15	and	and	CCONJ
afbr-2190	33	16	socio	socio	NOUN
afbr-2190	33	17	-	-	PUNCT
afbr-2190	33	18	economic	economic	ADJ
afbr-2190	33	19	influences	influence	NOUN
afbr-2190	33	20	,	,	PUNCT
afbr-2190	33	21	the	the	DET
afbr-2190	33	22	paper	paper	NOUN
afbr-2190	33	23	aims	aim	VERB
afbr-2190	33	24	to	to	PART
afbr-2190	33	25	offer	offer	VERB
afbr-2190	33	26	insights	insight	NOUN
afbr-2190	33	27	into	into	ADP
afbr-2190	33	28	the	the	DET
afbr-2190	33	29	dynamic	dynamic	ADJ
afbr-2190	33	30	interplay	interplay	NOUN
afbr-2190	33	31	between	between	ADP
afbr-2190	33	32	banking	banking	NOUN
afbr-2190	33	33	and	and	CCONJ
afbr-2190	33	34	the	the	DET
afbr-2190	33	35	broader	broad	ADJ
afbr-2190	33	36	economic	economic	ADJ
afbr-2190	33	37	and	and	CCONJ
afbr-2190	33	38	social	social	ADJ
afbr-2190	33	39	fabric	fabric	NOUN
afbr-2190	33	40	of	of	ADP
afbr-2190	33	41	australia	australia	PROPN
afbr-2190	33	42	.	.	PUNCT
afbr-2190	34	1	discussions	discussion	NOUN
afbr-2190	34	2	colonial	colonial	ADJ
afbr-2190	34	3	era	era	NOUN
afbr-2190	34	4	establishment	establishment	NOUN
afbr-2190	34	5	of	of	ADP
afbr-2190	34	6	the	the	DET
afbr-2190	34	7	first	first	ADJ
afbr-2190	34	8	banks	bank	NOUN
afbr-2190	34	9	:	:	PUNCT
afbr-2190	34	10	the	the	DET
afbr-2190	34	11	emergence	emergence	NOUN
afbr-2190	34	12	of	of	ADP
afbr-2190	34	13	banking	banking	NOUN
afbr-2190	34	14	institutions	institution	NOUN
afbr-2190	34	15	in	in	ADP
afbr-2190	34	16	the	the	DET
afbr-2190	34	17	early	early	ADJ
afbr-2190	34	18	colonial	colonial	ADJ
afbr-2190	34	19	period	period	NOUN
afbr-2190	34	20	and	and	CCONJ
afbr-2190	34	21	their	their	PRON
afbr-2190	34	22	role	role	NOUN
afbr-2190	34	23	in	in	ADP
afbr-2190	34	24	facilitating	facilitate	VERB
afbr-2190	34	25	trade	trade	NOUN
afbr-2190	34	26	and	and	CCONJ
afbr-2190	34	27	commerce	commerce	NOUN
afbr-2190	34	28	.	.	PUNCT
afbr-2190	35	1	the	the	DET
afbr-2190	35	2	early	early	ADJ
afbr-2190	35	3	colonial	colonial	ADJ
afbr-2190	35	4	period	period	NOUN
afbr-2190	35	5	in	in	ADP
afbr-2190	35	6	australia	australia	PROPN
afbr-2190	35	7	witnessed	witness	VERB
afbr-2190	35	8	the	the	DET
afbr-2190	35	9	establishment	establishment	NOUN
afbr-2190	35	10	of	of	ADP
afbr-2190	35	11	the	the	DET
afbr-2190	35	12	first	first	ADJ
afbr-2190	35	13	banking	banking	NOUN
afbr-2190	35	14	institutions	institution	NOUN
afbr-2190	35	15	,	,	PUNCT
afbr-2190	35	16	which	which	PRON
afbr-2190	35	17	played	play	VERB
afbr-2190	35	18	a	a	DET
afbr-2190	35	19	crucial	crucial	ADJ
afbr-2190	35	20	role	role	NOUN
afbr-2190	35	21	in	in	ADP
afbr-2190	35	22	facilitating	facilitate	VERB
afbr-2190	35	23	trade	trade	NOUN
afbr-2190	35	24	,	,	PUNCT
afbr-2190	35	25	commerce	commerce	NOUN
afbr-2190	35	26	,	,	PUNCT
afbr-2190	35	27	and	and	CCONJ
afbr-2190	35	28	economic	economic	ADJ
afbr-2190	35	29	development	development	NOUN
afbr-2190	35	30	.	.	PUNCT
afbr-2190	36	1	prior	prior	ADV
afbr-2190	36	2	to	to	ADP
afbr-2190	36	3	the	the	DET
afbr-2190	36	4	arrival	arrival	NOUN
afbr-2190	36	5	of	of	ADP
afbr-2190	36	6	european	european	PROPN
afbr-2190	36	7	settlers	settler	NOUN
afbr-2190	36	8	,	,	PUNCT
afbr-2190	36	9	indigenous	indigenous	ADJ
afbr-2190	36	10	australians	australian	NOUN
afbr-2190	36	11	engaged	engage	VERB
afbr-2190	36	12	in	in	ADP
afbr-2190	36	13	various	various	ADJ
afbr-2190	36	14	forms	form	NOUN
afbr-2190	36	15	of	of	ADP
afbr-2190	36	16	trade	trade	NOUN
afbr-2190	36	17	and	and	CCONJ
afbr-2190	36	18	exchange	exchange	NOUN
afbr-2190	36	19	,	,	PUNCT
afbr-2190	36	20	but	but	CCONJ
afbr-2190	36	21	it	it	PRON
afbr-2190	36	22	was	be	AUX
afbr-2190	36	23	the	the	DET
afbr-2190	36	24	influx	influx	NOUN
afbr-2190	36	25	of	of	ADP
afbr-2190	36	26	british	british	ADJ
afbr-2190	36	27	colonists	colonist	NOUN
afbr-2190	36	28	in	in	ADP
afbr-2190	36	29	the	the	DET
afbr-2190	36	30	late	late	ADJ
afbr-2190	36	31	18th	18th	ADJ
afbr-2190	36	32	century	century	NOUN
afbr-2190	36	33	that	that	PRON
afbr-2190	36	34	laid	lay	VERB
afbr-2190	36	35	the	the	DET
afbr-2190	36	36	groundwork	groundwork	NOUN
afbr-2190	36	37	for	for	ADP
afbr-2190	36	38	modern	modern	ADJ
afbr-2190	36	39	banking	banking	NOUN
afbr-2190	36	40	in	in	ADP
afbr-2190	36	41	the	the	DET
afbr-2190	36	42	continent	continent	NOUN
afbr-2190	36	43	.	.	PUNCT
afbr-2190	37	1	the	the	DET
afbr-2190	37	2	first	first	ADJ
afbr-2190	37	3	bank	bank	NOUN
afbr-2190	37	4	to	to	PART
afbr-2190	37	5	operate	operate	VERB
afbr-2190	37	6	in	in	ADP
afbr-2190	37	7	australia	australia	PROPN
afbr-2190	37	8	was	be	AUX
afbr-2190	37	9	the	the	DET
afbr-2190	37	10	bank	bank	NOUN
afbr-2190	37	11	of	of	ADP
afbr-2190	37	12	new	new	ADJ
afbr-2190	37	13	south	south	PROPN
afbr-2190	37	14	wales	wales	PROPN
afbr-2190	37	15	,	,	PUNCT
afbr-2190	37	16	founded	found	VERB
afbr-2190	37	17	in	in	ADP
afbr-2190	37	18	1817	1817	NUM
afbr-2190	37	19	by	by	ADP
afbr-2190	37	20	governor	governor	PROPN
afbr-2190	37	21	lachlan	lachlan	PROPN
afbr-2190	37	22	macquarie	macquarie	PROPN
afbr-2190	37	23	.	.	PUNCT
afbr-2190	38	1	initially	initially	ADV
afbr-2190	38	2	established	establish	VERB
afbr-2190	38	3	to	to	PART
afbr-2190	38	4	address	address	VERB
afbr-2190	38	5	the	the	DET
afbr-2190	38	6	shortage	shortage	NOUN
afbr-2190	38	7	of	of	ADP
afbr-2190	38	8	currency	currency	NOUN
afbr-2190	38	9	in	in	ADP
afbr-2190	38	10	the	the	DET
afbr-2190	38	11	colony	colony	NOUN
afbr-2190	38	12	of	of	ADP
afbr-2190	38	13	new	new	ADJ
afbr-2190	38	14	south	south	PROPN
afbr-2190	38	15	wales	wales	PROPN
afbr-2190	38	16	,	,	PUNCT
afbr-2190	38	17	the	the	DET
afbr-2190	38	18	bank	bank	NOUN
afbr-2190	38	19	of	of	ADP
afbr-2190	38	20	new	new	PROPN
afbr-2190	38	21	south	south	PROPN
afbr-2190	38	22	wales	wales	PROPN
afbr-2190	38	23	quickly	quickly	ADV
afbr-2190	38	24	expanded	expand	VERB
afbr-2190	38	25	its	its	PRON
afbr-2190	38	26	operations	operation	NOUN
afbr-2190	38	27	to	to	PART
afbr-2190	38	28	provide	provide	VERB
afbr-2190	38	29	a	a	DET
afbr-2190	38	30	range	range	NOUN
afbr-2190	38	31	of	of	ADP
afbr-2190	38	32	financial	financial	ADJ
afbr-2190	38	33	services	service	NOUN
afbr-2190	38	34	,	,	PUNCT
afbr-2190	38	35	including	include	VERB
afbr-2190	38	36	lending	lending	NOUN
afbr-2190	38	37	,	,	PUNCT
afbr-2190	38	38	currency	currency	NOUN
afbr-2190	38	39	issuance	issuance	NOUN
afbr-2190	38	40	,	,	PUNCT
afbr-2190	38	41	and	and	CCONJ
afbr-2190	38	42	deposit	deposit	NOUN
afbr-2190	38	43	-	-	PUNCT
afbr-2190	38	44	taking	taking	NOUN
afbr-2190	38	45	.	.	PUNCT
afbr-2190	39	1	its	its	PRON
afbr-2190	39	2	establishment	establishment	NOUN
afbr-2190	39	3	marked	mark	VERB
afbr-2190	39	4	a	a	DET
afbr-2190	39	5	significant	significant	ADJ
afbr-2190	39	6	milestone	milestone	NOUN
afbr-2190	39	7	in	in	ADP
afbr-2190	39	8	the	the	DET
afbr-2190	39	9	economic	economic	ADJ
afbr-2190	39	10	development	development	NOUN
afbr-2190	39	11	of	of	ADP
afbr-2190	39	12	the	the	DET
afbr-2190	39	13	colony	colony	NOUN
afbr-2190	39	14	,	,	PUNCT
afbr-2190	39	15	providing	provide	VERB
afbr-2190	39	16	much	much	ADV
afbr-2190	39	17	-	-	PUNCT
afbr-2190	39	18	needed	need	VERB
afbr-2190	39	19	financial	financial	ADJ
afbr-2190	39	20	infrastructure	infrastructure	NOUN
afbr-2190	39	21	to	to	PART
afbr-2190	39	22	support	support	VERB
afbr-2190	39	23	growing	grow	VERB
afbr-2190	39	24	trade	trade	NOUN
afbr-2190	39	25	and	and	CCONJ
afbr-2190	39	26	commerce	commerce	NOUN
afbr-2190	39	27	.	.	PUNCT
afbr-2190	40	1	one	one	NUM
afbr-2190	40	2	of	of	ADP
afbr-2190	40	3	the	the	DET
afbr-2190	40	4	primary	primary	ADJ
afbr-2190	40	5	functions	function	NOUN
afbr-2190	40	6	of	of	ADP
afbr-2190	40	7	early	early	ADJ
afbr-2190	40	8	colonial	colonial	ADJ
afbr-2190	40	9	banks	bank	NOUN
afbr-2190	40	10	like	like	ADP
afbr-2190	40	11	the	the	DET
afbr-2190	40	12	bank	bank	NOUN
afbr-2190	40	13	of	of	ADP
afbr-2190	40	14	new	new	PROPN
afbr-2190	40	15	south	south	PROPN
afbr-2190	40	16	wales	wales	PROPN
afbr-2190	40	17	was	be	AUX
afbr-2190	40	18	to	to	PART
afbr-2190	40	19	facilitate	facilitate	VERB
afbr-2190	40	20	trade	trade	NOUN
afbr-2190	40	21	between	between	ADP
afbr-2190	40	22	the	the	DET
afbr-2190	40	23	colony	colony	NOUN
afbr-2190	40	24	and	and	CCONJ
afbr-2190	40	25	other	other	ADJ
afbr-2190	40	26	parts	part	NOUN
afbr-2190	40	27	of	of	ADP
afbr-2190	40	28	the	the	DET
afbr-2190	40	29	british	british	ADJ
afbr-2190	40	30	empire	empire	NOUN
afbr-2190	40	31	.	.	PUNCT
afbr-2190	41	1	as	as	SCONJ
afbr-2190	41	2	the	the	DET
afbr-2190	41	3	colony	colony	NOUN
afbr-2190	41	4	developed	develop	VERB
afbr-2190	41	5	,	,	PUNCT
afbr-2190	41	6	demand	demand	NOUN
afbr-2190	41	7	for	for	ADP
afbr-2190	41	8	credit	credit	NOUN
afbr-2190	41	9	and	and	CCONJ
afbr-2190	41	10	financial	financial	ADJ
afbr-2190	41	11	services	service	NOUN
afbr-2190	41	12	grew	grow	VERB
afbr-2190	41	13	,	,	PUNCT
afbr-2190	41	14	driven	drive	VERB
afbr-2190	41	15	by	by	ADP
afbr-2190	41	16	the	the	DET
afbr-2190	41	17	expansion	expansion	NOUN
afbr-2190	41	18	of	of	ADP
afbr-2190	41	19	agricultural	agricultural	ADJ
afbr-2190	41	20	activities	activity	NOUN
afbr-2190	41	21	,	,	PUNCT
afbr-2190	41	22	the	the	DET
afbr-2190	41	23	rise	rise	NOUN
afbr-2190	41	24	of	of	ADP
afbr-2190	41	25	maritime	maritime	ADJ
afbr-2190	41	26	trade	trade	NOUN
afbr-2190	41	27	,	,	PUNCT
afbr-2190	41	28	and	and	CCONJ
afbr-2190	41	29	the	the	DET
afbr-2190	41	30	influx	influx	NOUN
afbr-2190	41	31	of	of	ADP
afbr-2190	41	32	immigrants	immigrant	NOUN
afbr-2190	41	33	seeking	seek	VERB
afbr-2190	41	34	opportunities	opportunity	NOUN
afbr-2190	41	35	in	in	ADP
afbr-2190	41	36	the	the	DET
afbr-2190	41	37	new	new	ADJ
afbr-2190	41	38	frontier	frontier	NOUN
afbr-2190	41	39	.	.	PUNCT
afbr-2190	42	1	banks	bank	NOUN
afbr-2190	42	2	played	play	VERB
afbr-2190	42	3	a	a	DET
afbr-2190	42	4	vital	vital	ADJ
afbr-2190	42	5	role	role	NOUN
afbr-2190	42	6	in	in	ADP
afbr-2190	42	7	financing	finance	VERB
afbr-2190	42	8	agricultural	agricultural	ADJ
afbr-2190	42	9	ventures	venture	NOUN
afbr-2190	42	10	,	,	PUNCT
afbr-2190	42	11	providing	provide	VERB
afbr-2190	42	12	credit	credit	NOUN
afbr-2190	42	13	to	to	ADP
afbr-2190	42	14	farmers	farmer	NOUN
afbr-2190	42	15	for	for	ADP
afbr-2190	42	16	land	land	NOUN
afbr-2190	42	17	purchases	purchase	NOUN
afbr-2190	42	18	,	,	PUNCT
afbr-2190	42	19	equipment	equipment	NOUN
afbr-2190	42	20	,	,	PUNCT
afbr-2190	42	21	and	and	CCONJ
afbr-2190	42	22	livestock	livestock	NOUN
afbr-2190	42	23	,	,	PUNCT
afbr-2190	42	24	thereby	thereby	ADV
afbr-2190	42	25	stimulating	stimulate	VERB
afbr-2190	42	26	agricultural	agricultural	ADJ
afbr-2190	42	27	production	production	NOUN
afbr-2190	42	28	and	and	CCONJ
afbr-2190	42	29	export	export	NOUN
afbr-2190	42	30	trade	trade	NOUN
afbr-2190	42	31	.	.	PUNCT
afbr-2190	43	1	moreover	moreover	ADV
afbr-2190	43	2	,	,	PUNCT
afbr-2190	43	3	the	the	DET
afbr-2190	43	4	establishment	establishment	NOUN
afbr-2190	43	5	of	of	ADP
afbr-2190	43	6	banks	bank	NOUN
afbr-2190	43	7	facilitated	facilitate	VERB
afbr-2190	43	8	the	the	DET
afbr-2190	43	9	circulation	circulation	NOUN
afbr-2190	43	10	of	of	ADP
afbr-2190	43	11	currency	currency	NOUN
afbr-2190	43	12	and	and	CCONJ
afbr-2190	43	13	the	the	DET
afbr-2190	43	14	development	development	NOUN
afbr-2190	43	15	of	of	ADP
afbr-2190	43	16	a	a	DET
afbr-2190	43	17	monetary	monetary	ADJ
afbr-2190	43	18	system	system	NOUN
afbr-2190	43	19	,	,	PUNCT
afbr-2190	43	20	which	which	PRON
afbr-2190	43	21	was	be	AUX
afbr-2190	43	22	essential	essential	ADJ
afbr-2190	43	23	for	for	ADP
afbr-2190	43	24	the	the	DET
afbr-2190	43	25	functioning	functioning	NOUN
afbr-2190	43	26	of	of	ADP
afbr-2190	43	27	the	the	DET
afbr-2190	43	28	colonial	colonial	ADJ
afbr-2190	43	29	economy	economy	NOUN
afbr-2190	43	30	.	.	PUNCT
afbr-2190	44	1	prior	prior	ADV
afbr-2190	44	2	to	to	ADP
afbr-2190	44	3	the	the	DET
afbr-2190	44	4	establishment	establishment	NOUN
afbr-2190	44	5	of	of	ADP
afbr-2190	44	6	banks	bank	NOUN
afbr-2190	44	7	,	,	PUNCT
afbr-2190	44	8	barter	barter	NOUN
afbr-2190	44	9	and	and	CCONJ
afbr-2190	44	10	informal	informal	ADJ
afbr-2190	44	11	credit	credit	NOUN
afbr-2190	44	12	arrangements	arrangement	NOUN
afbr-2190	44	13	were	be	AUX
afbr-2190	44	14	prevalent	prevalent	ADJ
afbr-2190	44	15	,	,	PUNCT
afbr-2190	44	16	limiting	limit	VERB
afbr-2190	44	17	the	the	DET
afbr-2190	44	18	scope	scope	NOUN
afbr-2190	44	19	and	and	CCONJ
afbr-2190	44	20	efficiency	efficiency	NOUN
afbr-2190	44	21	of	of	ADP
afbr-2190	44	22	economic	economic	ADJ
afbr-2190	44	23	transactions	transaction	NOUN
afbr-2190	44	24	.	.	PUNCT
afbr-2190	45	1	the	the	DET
afbr-2190	45	2	introduction	introduction	NOUN
afbr-2190	45	3	of	of	ADP
afbr-2190	45	4	banking	banking	NOUN
afbr-2190	45	5	institutions	institution	NOUN
afbr-2190	45	6	provided	provide	VERB
afbr-2190	45	7	a	a	DET
afbr-2190	45	8	more	more	ADV
afbr-2190	45	9	reliable	reliable	ADJ
afbr-2190	45	10	and	and	CCONJ
afbr-2190	45	11	standardized	standardized	ADJ
afbr-2190	45	12	means	mean	NOUN
afbr-2190	45	13	of	of	ADP
afbr-2190	45	14	conducting	conduct	VERB
afbr-2190	45	15	financial	financial	ADJ
afbr-2190	45	16	transactions	transaction	NOUN
afbr-2190	45	17	,	,	PUNCT
afbr-2190	45	18	thereby	thereby	ADV
afbr-2190	45	19	promoting	promote	VERB
afbr-2190	45	20	economic	economic	ADJ
afbr-2190	45	21	growth	growth	NOUN
afbr-2190	45	22	and	and	CCONJ
afbr-2190	45	23	commercial	commercial	ADJ
afbr-2190	45	24	activity	activity	NOUN
afbr-2190	45	25	.	.	PUNCT
afbr-2190	46	1	in	in	ADP
afbr-2190	46	2	addition	addition	NOUN
afbr-2190	46	3	to	to	ADP
afbr-2190	46	4	their	their	PRON
afbr-2190	46	5	role	role	NOUN
afbr-2190	46	6	in	in	ADP
afbr-2190	46	7	facilitating	facilitate	VERB
afbr-2190	46	8	trade	trade	NOUN
afbr-2190	46	9	and	and	CCONJ
afbr-2190	46	10	commerce	commerce	PROPN
afbr-2190	46	11	,	,	PUNCT
afbr-2190	46	12	early	early	ADJ
afbr-2190	46	13	colonial	colonial	ADJ
afbr-2190	46	14	banks	bank	NOUN
afbr-2190	46	15	also	also	ADV
afbr-2190	46	16	played	play	VERB
afbr-2190	46	17	a	a	DET
afbr-2190	46	18	significant	significant	ADJ
afbr-2190	46	19	role	role	NOUN
afbr-2190	46	20	in	in	ADP
afbr-2190	46	21	infrastructure	infrastructure	NOUN
afbr-2190	46	22	development	development	NOUN
afbr-2190	46	23	.	.	PUNCT
afbr-2190	47	1	banks	bank	NOUN
afbr-2190	47	2	provided	provide	VERB
afbr-2190	47	3	financing	financing	NOUN
afbr-2190	47	4	for	for	ADP
afbr-2190	47	5	public	public	ADJ
afbr-2190	47	6	works	work	NOUN
afbr-2190	47	7	projects	project	NOUN
afbr-2190	47	8	such	such	ADJ
afbr-2190	47	9	as	as	ADP
afbr-2190	47	10	roads	road	NOUN
afbr-2190	47	11	,	,	PUNCT
afbr-2190	47	12	bridges	bridge	NOUN
afbr-2190	47	13	,	,	PUNCT
afbr-2190	47	14	and	and	CCONJ
afbr-2190	47	15	ports	port	NOUN
afbr-2190	47	16	,	,	PUNCT
afbr-2190	47	17	which	which	PRON
afbr-2190	47	18	were	be	AUX
afbr-2190	47	19	essential	essential	ADJ
afbr-2190	47	20	for	for	ADP
afbr-2190	47	21	the	the	DET
afbr-2190	47	22	transportation	transportation	NOUN
afbr-2190	47	23	of	of	ADP
afbr-2190	47	24	goods	good	NOUN
afbr-2190	47	25	and	and	CCONJ
afbr-2190	47	26	the	the	DET
afbr-2190	47	27	expansion	expansion	NOUN
afbr-2190	47	28	of	of	ADP
afbr-2190	47	29	trade	trade	NOUN
afbr-2190	47	30	networks	network	NOUN
afbr-2190	47	31	.	.	PUNCT
afbr-2190	48	1	by	by	ADP
afbr-2190	48	2	providing	provide	VERB
afbr-2190	48	3	capital	capital	NOUN
afbr-2190	48	4	for	for	ADP
afbr-2190	48	5	infrastructure	infrastructure	NOUN
afbr-2190	48	6	development	development	NOUN
afbr-2190	48	7	,	,	PUNCT
afbr-2190	48	8	banks	bank	NOUN
afbr-2190	48	9	contributed	contribute	VERB
afbr-2190	48	10	to	to	ADP
afbr-2190	48	11	the	the	DET
afbr-2190	48	12	overall	overall	ADJ
afbr-2190	48	13	economic	economic	ADJ
afbr-2190	48	14	development	development	NOUN
afbr-2190	48	15	of	of	ADP
afbr-2190	48	16	the	the	DET
afbr-2190	48	17	colonies	colony	NOUN
afbr-2190	48	18	and	and	CCONJ
afbr-2190	48	19	laid	lay	VERB
afbr-2190	48	20	the	the	DET
afbr-2190	48	21	foundation	foundation	NOUN
afbr-2190	48	22	for	for	ADP
afbr-2190	48	23	future	future	ADJ
afbr-2190	48	24	growth	growth	NOUN
afbr-2190	48	25	and	and	CCONJ
afbr-2190	48	26	prosperity	prosperity	NOUN
afbr-2190	48	27	.	.	PUNCT
afbr-2190	49	1	in	in	ADP
afbr-2190	49	2	conclusion	conclusion	NOUN
afbr-2190	49	3	,	,	PUNCT
afbr-2190	49	4	the	the	DET
afbr-2190	49	5	emergence	emergence	NOUN
afbr-2190	49	6	of	of	ADP
afbr-2190	49	7	banking	banking	NOUN
afbr-2190	49	8	institutions	institution	NOUN
afbr-2190	49	9	in	in	ADP
afbr-2190	49	10	the	the	DET
afbr-2190	49	11	early	early	ADJ
afbr-2190	49	12	colonial	colonial	ADJ
afbr-2190	49	13	period	period	NOUN
afbr-2190	49	14	played	play	VERB
afbr-2190	49	15	a	a	DET
afbr-2190	49	16	pivotal	pivotal	ADJ
afbr-2190	49	17	role	role	NOUN
afbr-2190	49	18	in	in	ADP
afbr-2190	49	19	shaping	shape	VERB
afbr-2190	49	20	the	the	DET
afbr-2190	49	21	economic	economic	ADJ
afbr-2190	49	22	landscape	landscape	NOUN
afbr-2190	49	23	of	of	ADP
afbr-2190	49	24	australia	australia	PROPN
afbr-2190	49	25	.	.	PUNCT
afbr-2190	50	1	banks	bank	NOUN
afbr-2190	50	2	such	such	ADJ
afbr-2190	50	3	as	as	ADP
afbr-2190	50	4	the	the	DET
afbr-2190	50	5	bank	bank	NOUN
afbr-2190	50	6	of	of	ADP
afbr-2190	50	7	new	new	ADJ
afbr-2190	50	8	south	south	PROPN
afbr-2190	50	9	wales	wales	PROPN
afbr-2190	50	10	provided	provide	VERB
afbr-2190	50	11	essential	essential	ADJ
afbr-2190	50	12	financial	financial	ADJ
afbr-2190	50	13	services	service	NOUN
afbr-2190	50	14	,	,	PUNCT
afbr-2190	50	15	facilitated	facilitate	VERB
afbr-2190	50	16	trade	trade	NOUN
afbr-2190	50	17	and	and	CCONJ
afbr-2190	50	18	commerce	commerce	NOUN
afbr-2190	50	19	,	,	PUNCT
afbr-2190	50	20	and	and	CCONJ
afbr-2190	50	21	supported	support	VERB
afbr-2190	50	22	infrastructure	infrastructure	NOUN
afbr-2190	50	23	development	development	NOUN
afbr-2190	50	24	,	,	PUNCT
afbr-2190	50	25	thereby	thereby	ADV
afbr-2190	50	26	laying	lay	VERB
afbr-2190	50	27	the	the	DET
afbr-2190	50	28	groundwork	groundwork	NOUN
afbr-2190	50	29	for	for	ADP
afbr-2190	50	30	the	the	DET
afbr-2190	50	31	continent	continent	NOUN
afbr-2190	50	32	's	's	PART
afbr-2190	50	33	economic	economic	ADJ
afbr-2190	50	34	development	development	NOUN
afbr-2190	50	35	.	.	PUNCT
afbr-2190	51	1	their	their	PRON
afbr-2190	51	2	establishment	establishment	NOUN
afbr-2190	51	3	marked	mark	VERB
afbr-2190	51	4	the	the	DET
afbr-2190	51	5	beginning	beginning	NOUN
afbr-2190	51	6	of	of	ADP
afbr-2190	51	7	a	a	DET
afbr-2190	51	8	long	long	ADJ
afbr-2190	51	9	and	and	CCONJ
afbr-2190	51	10	enduring	endure	VERB
afbr-2190	51	11	relationship	relationship	NOUN
afbr-2190	51	12	between	between	ADP
afbr-2190	51	13	banking	banking	NOUN
afbr-2190	51	14	and	and	CCONJ
afbr-2190	51	15	economic	economic	ADJ
afbr-2190	51	16	growth	growth	NOUN
afbr-2190	51	17	in	in	ADP
afbr-2190	51	18	australia	australia	PROPN
afbr-2190	51	19	.	.	PUNCT
afbr-2190	52	1	challenges	challenge	NOUN
afbr-2190	52	2	and	and	CCONJ
afbr-2190	52	3	adaptations	adaptation	NOUN
afbr-2190	52	4	:	:	PUNCT
afbr-2190	52	5	navigation	navigation	NOUN
afbr-2190	52	6	through	through	ADP
afbr-2190	52	7	economic	economic	ADJ
afbr-2190	52	8	uncertainties	uncertainty	NOUN
afbr-2190	52	9	,	,	PUNCT
afbr-2190	52	10	currency	currency	NOUN
afbr-2190	52	11	fluctuations	fluctuation	NOUN
afbr-2190	52	12	,	,	PUNCT
afbr-2190	52	13	and	and	CCONJ
afbr-2190	52	14	regulatory	regulatory	ADJ
afbr-2190	52	15	constraints	constraint	NOUN
afbr-2190	52	16	despite	despite	SCONJ
afbr-2190	52	17	their	their	PRON
afbr-2190	52	18	instrumental	instrumental	ADJ
afbr-2190	52	19	role	role	NOUN
afbr-2190	52	20	in	in	ADP
afbr-2190	52	21	facilitating	facilitate	VERB
afbr-2190	52	22	trade	trade	NOUN
afbr-2190	52	23	and	and	CCONJ
afbr-2190	52	24	commerce	commerce	PROPN
afbr-2190	52	25	,	,	PUNCT
afbr-2190	52	26	early	early	ADJ
afbr-2190	52	27	colonial	colonial	ADJ
afbr-2190	52	28	banks	bank	NOUN
afbr-2190	52	29	in	in	ADP
afbr-2190	52	30	australia	australia	PROPN
afbr-2190	52	31	faced	face	VERB
afbr-2190	52	32	numerous	numerous	ADJ
afbr-2190	52	33	challenges	challenge	NOUN
afbr-2190	52	34	stemming	stem	VERB
afbr-2190	52	35	from	from	ADP
afbr-2190	52	36	economic	economic	ADJ
afbr-2190	52	37	uncertainties	uncertainty	NOUN
afbr-2190	52	38	,	,	PUNCT
afbr-2190	52	39	currency	currency	NOUN
afbr-2190	52	40	fluctuations	fluctuation	NOUN
afbr-2190	52	41	,	,	PUNCT
afbr-2190	52	42	and	and	CCONJ
afbr-2190	52	43	regulatory	regulatory	ADJ
afbr-2190	52	44	constraints	constraint	NOUN
afbr-2190	52	45	.	.	PUNCT
afbr-2190	53	1	these	these	DET
afbr-2190	53	2	challenges	challenge	NOUN
afbr-2190	53	3	necessitated	necessitate	VERB
afbr-2190	53	4	strategic	strategic	ADJ
afbr-2190	53	5	adaptations	adaptation	NOUN
afbr-2190	53	6	by	by	ADP
afbr-2190	53	7	banking	banking	NOUN
afbr-2190	53	8	institutions	institution	NOUN
afbr-2190	53	9	to	to	PART
afbr-2190	53	10	maintain	maintain	VERB
afbr-2190	53	11	their	their	PRON
afbr-2190	53	12	operations	operation	NOUN
afbr-2190	53	13	,	,	PUNCT
afbr-2190	53	14	support	support	VERB
afbr-2190	53	15	their	their	PRON
afbr-2190	53	16	clients	client	NOUN
afbr-2190	53	17	,	,	PUNCT
afbr-2190	53	18	and	and	CCONJ
afbr-2190	53	19	navigate	navigate	VERB
afbr-2190	53	20	the	the	DET
afbr-2190	53	21	dynamic	dynamic	ADJ
afbr-2190	53	22	economic	economic	ADJ
afbr-2190	53	23	landscape	landscape	NOUN
afbr-2190	53	24	of	of	ADP
afbr-2190	53	25	the	the	DET
afbr-2190	53	26	time	time	NOUN
afbr-2190	53	27	.	.	PUNCT
afbr-2190	54	1			PROPN
afbr-2190	55	1	economic	economic	ADJ
afbr-2190	55	2	uncertainties	uncertainty	NOUN
afbr-2190	55	3	economic	economic	ADJ
afbr-2190	55	4	volatility	volatility	NOUN
afbr-2190	55	5	:	:	PUNCT
afbr-2190	55	6	the	the	DET
afbr-2190	55	7	early	early	ADJ
afbr-2190	55	8	colonial	colonial	ADJ
afbr-2190	55	9	period	period	NOUN
afbr-2190	55	10	was	be	AUX
afbr-2190	55	11	characterized	characterize	VERB
afbr-2190	55	12	by	by	ADP
afbr-2190	55	13	economic	economic	ADJ
afbr-2190	55	14	volatility	volatility	NOUN
afbr-2190	55	15	,	,	PUNCT
afbr-2190	55	16	driven	drive	VERB
afbr-2190	55	17	by	by	ADP
afbr-2190	55	18	factors	factor	NOUN
afbr-2190	55	19	such	such	ADJ
afbr-2190	55	20	as	as	ADP
afbr-2190	55	21	fluctuating	fluctuate	VERB
afbr-2190	55	22	commodity	commodity	NOUN
afbr-2190	55	23	prices	price	NOUN
afbr-2190	55	24	,	,	PUNCT
afbr-2190	55	25	unpredictable	unpredictable	ADJ
afbr-2190	55	26	weather	weather	NOUN
afbr-2190	55	27	patterns	pattern	NOUN
afbr-2190	55	28	affecting	affect	VERB
afbr-2190	55	29	agricultural	agricultural	ADJ
afbr-2190	55	30	production	production	NOUN
afbr-2190	55	31	,	,	PUNCT
afbr-2190	55	32	and	and	CCONJ
afbr-2190	55	33	the	the	DET
afbr-2190	55	34	boom	boom	NOUN
afbr-2190	55	35	-	-	PUNCT
afbr-2190	55	36	and	and	CCONJ
afbr-2190	55	37	-	-	PUNCT
afbr-2190	55	38	bust	bust	NOUN
afbr-2190	55	39	cycles	cycle	NOUN
afbr-2190	55	40	inherent	inherent	ADJ
afbr-2190	55	41	in	in	ADP
afbr-2190	55	42	frontier	frontier	NOUN
afbr-2190	55	43	economies	economy	NOUN
afbr-2190	55	44	.	.	PUNCT
afbr-2190	56	1	adaptations	adaptation	NOUN
afbr-2190	56	2	:	:	PUNCT
afbr-2190	56	3	to	to	PART
afbr-2190	56	4	mitigate	mitigate	VERB
afbr-2190	56	5	the	the	DET
afbr-2190	56	6	impact	impact	NOUN
afbr-2190	56	7	of	of	ADP
afbr-2190	56	8	economic	economic	ADJ
afbr-2190	56	9	uncertainties	uncertainty	NOUN
afbr-2190	56	10	,	,	PUNCT
afbr-2190	56	11	banks	bank	NOUN
afbr-2190	56	12	implemented	implement	VERB
afbr-2190	56	13	prudent	prudent	ADJ
afbr-2190	56	14	lending	lending	NOUN
afbr-2190	56	15	practices	practice	NOUN
afbr-2190	56	16	,	,	PUNCT
afbr-2190	56	17	diversified	diversify	VERB
afbr-2190	56	18	their	their	PRON
afbr-2190	56	19	investment	investment	NOUN
afbr-2190	56	20	portfolios	portfolio	NOUN
afbr-2190	56	21	,	,	PUNCT
afbr-2190	56	22	and	and	CCONJ
afbr-2190	56	23	maintained	maintain	VERB
afbr-2190	56	24	adequate	adequate	ADJ
afbr-2190	56	25	reserves	reserve	NOUN
afbr-2190	56	26	to	to	PART
afbr-2190	56	27	weather	weather	VERB
afbr-2190	56	28	downturns	downturn	NOUN
afbr-2190	56	29	.	.	PUNCT
afbr-2190	57	1	additionally	additionally	ADV
afbr-2190	57	2	,	,	PUNCT
afbr-2190	57	3	banks	bank	NOUN
afbr-2190	57	4	played	play	VERB
afbr-2190	57	5	a	a	DET
afbr-2190	57	6	stabilizing	stabilize	VERB
afbr-2190	57	7	role	role	NOUN
afbr-2190	57	8	by	by	ADP
afbr-2190	57	9	providing	provide	VERB
afbr-2190	57	10	liquidity	liquidity	NOUN
afbr-2190	57	11	during	during	ADP
afbr-2190	57	12	economic	economic	ADJ
afbr-2190	57	13	downturns	downturn	NOUN
afbr-2190	57	14	,	,	PUNCT
afbr-2190	57	15	thereby	thereby	ADV
afbr-2190	57	16	helping	help	VERB
afbr-2190	57	17	to	to	PART
afbr-2190	57	18	mitigate	mitigate	VERB
afbr-2190	57	19	the	the	DET
afbr-2190	57	20	adverse	adverse	ADJ
afbr-2190	57	21	effects	effect	NOUN
afbr-2190	57	22	of	of	ADP
afbr-2190	57	23	economic	economic	ADJ
afbr-2190	57	24	shocks	shock	NOUN
afbr-2190	57	25	on	on	ADP
afbr-2190	57	26	businesses	business	NOUN
afbr-2190	57	27	and	and	CCONJ
afbr-2190	57	28	individuals	individual	NOUN
afbr-2190	57	29	.	.	PUNCT
afbr-2190	58	1	jakaria	jakaria	PROPN
afbr-2190	58	2	,	,	PUNCT
afbr-2190	58	3	australian	australian	ADJ
afbr-2190	58	4	finance	finance	NOUN
afbr-2190	58	5	&	&	CCONJ
afbr-2190	58	6	banking	banking	PROPN
afbr-2190	58	7	review	review	NOUN
afbr-2190	58	8	7(1	7(1	NUM
afbr-2190	58	9	)	)	PUNCT
afbr-2190	58	10	(	(	PUNCT
afbr-2190	58	11	2023	2023	NUM
afbr-2190	58	12	)	)	PUNCT
afbr-2190	58	13	,	,	PUNCT
afbr-2190	58	14	9	9	NUM
afbr-2190	58	15	-	-	SYM
afbr-2190	58	16	29	29	NUM
afbr-2190	58	17	11	11	NUM
afbr-2190	58	18			NOUN
afbr-2190	58	19	currency	currency	NOUN
afbr-2190	58	20	fluctuations	fluctuation	NOUN
afbr-2190	58	21	lack	lack	NOUN
afbr-2190	58	22	of	of	ADP
afbr-2190	58	23	currency	currency	NOUN
afbr-2190	58	24	stability	stability	NOUN
afbr-2190	58	25	:	:	PUNCT
afbr-2190	58	26	in	in	ADP
afbr-2190	58	27	the	the	DET
afbr-2190	58	28	absence	absence	NOUN
afbr-2190	58	29	of	of	ADP
afbr-2190	58	30	a	a	DET
afbr-2190	58	31	standardized	standardized	ADJ
afbr-2190	58	32	national	national	ADJ
afbr-2190	58	33	currency	currency	NOUN
afbr-2190	58	34	,	,	PUNCT
afbr-2190	58	35	colonial	colonial	ADJ
afbr-2190	58	36	economies	economy	NOUN
afbr-2190	58	37	relied	rely	VERB
afbr-2190	58	38	on	on	ADP
afbr-2190	58	39	a	a	DET
afbr-2190	58	40	patchwork	patchwork	NOUN
afbr-2190	58	41	of	of	ADP
afbr-2190	58	42	currency	currency	NOUN
afbr-2190	58	43	systems	system	NOUN
afbr-2190	58	44	,	,	PUNCT
afbr-2190	58	45	including	include	VERB
afbr-2190	58	46	british	british	ADJ
afbr-2190	58	47	pounds	pound	NOUN
afbr-2190	58	48	,	,	PUNCT
afbr-2190	58	49	spanish	spanish	ADJ
afbr-2190	58	50	dollars	dollar	NOUN
afbr-2190	58	51	,	,	PUNCT
afbr-2190	58	52	and	and	CCONJ
afbr-2190	58	53	various	various	ADJ
afbr-2190	58	54	local	local	ADJ
afbr-2190	58	55	currencies	currency	NOUN
afbr-2190	58	56	.	.	PUNCT
afbr-2190	59	1	this	this	DET
afbr-2190	59	2	lack	lack	NOUN
afbr-2190	59	3	of	of	ADP
afbr-2190	59	4	currency	currency	NOUN
afbr-2190	59	5	stability	stability	NOUN
afbr-2190	59	6	posed	pose	VERB
afbr-2190	59	7	challenges	challenge	NOUN
afbr-2190	59	8	for	for	ADP
afbr-2190	59	9	banks	bank	NOUN
afbr-2190	59	10	in	in	ADP
afbr-2190	59	11	conducting	conduct	VERB
afbr-2190	59	12	financial	financial	ADJ
afbr-2190	59	13	transactions	transaction	NOUN
afbr-2190	59	14	and	and	CCONJ
afbr-2190	59	15	managing	manage	VERB
afbr-2190	59	16	currency	currency	NOUN
afbr-2190	59	17	risks	risk	NOUN
afbr-2190	59	18	.	.	PUNCT
afbr-2190	60	1	adaptations	adaptation	NOUN
afbr-2190	60	2	:	:	PUNCT
afbr-2190	60	3	banks	bank	NOUN
afbr-2190	60	4	adapted	adapt	VERB
afbr-2190	60	5	to	to	ADP
afbr-2190	60	6	currency	currency	NOUN
afbr-2190	60	7	fluctuations	fluctuation	NOUN
afbr-2190	60	8	by	by	ADP
afbr-2190	60	9	issuing	issue	VERB
afbr-2190	60	10	their	their	PRON
afbr-2190	60	11	own	own	ADJ
afbr-2190	60	12	banknotes	banknote	NOUN
afbr-2190	60	13	,	,	PUNCT
afbr-2190	60	14	which	which	PRON
afbr-2190	60	15	were	be	AUX
afbr-2190	60	16	redeemable	redeemable	ADJ
afbr-2190	60	17	for	for	ADP
afbr-2190	60	18	specie	specie	NOUN
afbr-2190	60	19	or	or	CCONJ
afbr-2190	60	20	other	other	ADJ
afbr-2190	60	21	forms	form	NOUN
afbr-2190	60	22	of	of	ADP
afbr-2190	60	23	currency	currency	NOUN
afbr-2190	60	24	.	.	PUNCT
afbr-2190	61	1	this	this	PRON
afbr-2190	61	2	helped	help	VERB
afbr-2190	61	3	to	to	PART
afbr-2190	61	4	standardize	standardize	VERB
afbr-2190	61	5	the	the	DET
afbr-2190	61	6	currency	currency	NOUN
afbr-2190	61	7	system	system	NOUN
afbr-2190	61	8	and	and	CCONJ
afbr-2190	61	9	provided	provide	VERB
afbr-2190	61	10	a	a	DET
afbr-2190	61	11	more	more	ADV
afbr-2190	61	12	reliable	reliable	ADJ
afbr-2190	61	13	medium	medium	NOUN
afbr-2190	61	14	of	of	ADP
afbr-2190	61	15	exchange	exchange	NOUN
afbr-2190	61	16	for	for	ADP
afbr-2190	61	17	commercial	commercial	ADJ
afbr-2190	61	18	transactions	transaction	NOUN
afbr-2190	61	19	.	.	PUNCT
afbr-2190	62	1	additionally	additionally	ADV
afbr-2190	62	2	,	,	PUNCT
afbr-2190	62	3	banks	bank	NOUN
afbr-2190	62	4	engaged	engage	VERB
afbr-2190	62	5	in	in	ADP
afbr-2190	62	6	currency	currency	NOUN
afbr-2190	62	7	arbitrage	arbitrage	NOUN
afbr-2190	62	8	and	and	CCONJ
afbr-2190	62	9	foreign	foreign	ADJ
afbr-2190	62	10	exchange	exchange	NOUN
afbr-2190	62	11	operations	operation	NOUN
afbr-2190	62	12	to	to	PART
afbr-2190	62	13	hedge	hedge	VERB
afbr-2190	62	14	against	against	ADP
afbr-2190	62	15	currency	currency	NOUN
afbr-2190	62	16	risks	risk	NOUN
afbr-2190	62	17	and	and	CCONJ
afbr-2190	62	18	ensure	ensure	VERB
afbr-2190	62	19	the	the	DET
afbr-2190	62	20	liquidity	liquidity	NOUN
afbr-2190	62	21	of	of	ADP
afbr-2190	62	22	their	their	PRON
afbr-2190	62	23	assets	asset	NOUN
afbr-2190	62	24	.	.	PUNCT
afbr-2190	63	1			PART
afbr-2190	64	1	regulatory	regulatory	ADJ
afbr-2190	64	2	constraints	constraint	NOUN
afbr-2190	64	3	limited	limit	VERB
afbr-2190	64	4	regulatory	regulatory	ADJ
afbr-2190	64	5	oversight	oversight	NOUN
afbr-2190	64	6	:	:	PUNCT
afbr-2190	64	7	in	in	ADP
afbr-2190	64	8	the	the	DET
afbr-2190	64	9	early	early	ADJ
afbr-2190	64	10	colonial	colonial	ADJ
afbr-2190	64	11	period	period	NOUN
afbr-2190	64	12	,	,	PUNCT
afbr-2190	64	13	banking	banking	NOUN
afbr-2190	64	14	regulations	regulation	NOUN
afbr-2190	64	15	were	be	AUX
afbr-2190	64	16	minimal	minimal	ADJ
afbr-2190	64	17	,	,	PUNCT
afbr-2190	64	18	and	and	CCONJ
afbr-2190	64	19	regulatory	regulatory	ADJ
afbr-2190	64	20	oversight	oversight	NOUN
afbr-2190	64	21	was	be	AUX
afbr-2190	64	22	limited	limit	VERB
afbr-2190	64	23	.	.	PUNCT
afbr-2190	65	1	this	this	DET
afbr-2190	65	2	lack	lack	NOUN
afbr-2190	65	3	of	of	ADP
afbr-2190	65	4	regulatory	regulatory	ADJ
afbr-2190	65	5	framework	framework	NOUN
afbr-2190	65	6	exposed	expose	VERB
afbr-2190	65	7	banks	bank	NOUN
afbr-2190	65	8	to	to	ADP
afbr-2190	65	9	risks	risk	NOUN
afbr-2190	65	10	such	such	ADJ
afbr-2190	65	11	as	as	ADP
afbr-2190	65	12	fraud	fraud	NOUN
afbr-2190	65	13	,	,	PUNCT
afbr-2190	65	14	insolvency	insolvency	NOUN
afbr-2190	65	15	,	,	PUNCT
afbr-2190	65	16	and	and	CCONJ
afbr-2190	65	17	inadequate	inadequate	ADJ
afbr-2190	65	18	capitalization	capitalization	NOUN
afbr-2190	65	19	.	.	PUNCT
afbr-2190	66	1	adaptations	adaptation	NOUN
afbr-2190	66	2	:	:	PUNCT
afbr-2190	66	3	in	in	ADP
afbr-2190	66	4	the	the	DET
afbr-2190	66	5	absence	absence	NOUN
afbr-2190	66	6	of	of	ADP
afbr-2190	66	7	robust	robust	ADJ
afbr-2190	66	8	regulatory	regulatory	ADJ
afbr-2190	66	9	oversight	oversight	NOUN
afbr-2190	66	10	,	,	PUNCT
afbr-2190	66	11	banks	bank	NOUN
afbr-2190	66	12	relied	rely	VERB
afbr-2190	66	13	on	on	ADP
afbr-2190	66	14	self	self	NOUN
afbr-2190	66	15	-	-	PUNCT
afbr-2190	66	16	regulatory	regulatory	ADJ
afbr-2190	66	17	mechanisms	mechanism	NOUN
afbr-2190	66	18	and	and	CCONJ
afbr-2190	66	19	internal	internal	ADJ
afbr-2190	66	20	controls	control	NOUN
afbr-2190	66	21	to	to	PART
afbr-2190	66	22	manage	manage	VERB
afbr-2190	66	23	risks	risk	NOUN
afbr-2190	66	24	and	and	CCONJ
afbr-2190	66	25	maintain	maintain	VERB
afbr-2190	66	26	financial	financial	ADJ
afbr-2190	66	27	stability	stability	NOUN
afbr-2190	66	28	.	.	PUNCT
afbr-2190	67	1	banks	bank	NOUN
afbr-2190	67	2	implemented	implement	VERB
afbr-2190	67	3	strict	strict	ADJ
afbr-2190	67	4	lending	lending	NOUN
afbr-2190	67	5	standards	standard	NOUN
afbr-2190	67	6	,	,	PUNCT
afbr-2190	67	7	conducted	conduct	VERB
afbr-2190	67	8	thorough	thorough	ADJ
afbr-2190	67	9	due	due	ADJ
afbr-2190	67	10	diligence	diligence	NOUN
afbr-2190	67	11	on	on	ADP
afbr-2190	67	12	borrowers	borrower	NOUN
afbr-2190	67	13	,	,	PUNCT
afbr-2190	67	14	and	and	CCONJ
afbr-2190	67	15	established	establish	VERB
afbr-2190	67	16	reserve	reserve	NOUN
afbr-2190	67	17	requirements	requirement	NOUN
afbr-2190	67	18	to	to	PART
afbr-2190	67	19	safeguard	safeguard	VERB
afbr-2190	67	20	against	against	ADP
afbr-2190	67	21	potential	potential	ADJ
afbr-2190	67	22	losses	loss	NOUN
afbr-2190	67	23	.	.	PUNCT
afbr-2190	68	1	moreover	moreover	ADV
afbr-2190	68	2	,	,	PUNCT
afbr-2190	68	3	banks	bank	NOUN
afbr-2190	68	4	cultivated	cultivate	VERB
afbr-2190	68	5	relationships	relationship	NOUN
afbr-2190	68	6	with	with	ADP
afbr-2190	68	7	colonial	colonial	ADJ
afbr-2190	68	8	authorities	authority	NOUN
afbr-2190	68	9	and	and	CCONJ
afbr-2190	68	10	policymakers	policymaker	NOUN
afbr-2190	68	11	to	to	PART
afbr-2190	68	12	influence	influence	VERB
afbr-2190	68	13	the	the	DET
afbr-2190	68	14	development	development	NOUN
afbr-2190	68	15	of	of	ADP
afbr-2190	68	16	banking	banking	NOUN
afbr-2190	68	17	regulations	regulation	NOUN
afbr-2190	68	18	and	and	CCONJ
afbr-2190	68	19	ensure	ensure	VERB
afbr-2190	68	20	a	a	DET
afbr-2190	68	21	favorable	favorable	ADJ
afbr-2190	68	22	operating	operating	NOUN
afbr-2190	68	23	environment	environment	NOUN
afbr-2190	68	24	.	.	PUNCT
afbr-2190	69	1	in	in	ADP
afbr-2190	69	2	conclusion	conclusion	NOUN
afbr-2190	69	3	,	,	PUNCT
afbr-2190	69	4	early	early	ADJ
afbr-2190	69	5	colonial	colonial	ADJ
afbr-2190	69	6	banks	bank	NOUN
afbr-2190	69	7	in	in	ADP
afbr-2190	69	8	australia	australia	PROPN
afbr-2190	69	9	confronted	confront	VERB
afbr-2190	69	10	a	a	DET
afbr-2190	69	11	myriad	myriad	NOUN
afbr-2190	69	12	of	of	ADP
afbr-2190	69	13	challenges	challenge	NOUN
afbr-2190	69	14	arising	arise	VERB
afbr-2190	69	15	from	from	ADP
afbr-2190	69	16	economic	economic	ADJ
afbr-2190	69	17	uncertainties	uncertainty	NOUN
afbr-2190	69	18	,	,	PUNCT
afbr-2190	69	19	currency	currency	NOUN
afbr-2190	69	20	fluctuations	fluctuation	NOUN
afbr-2190	69	21	,	,	PUNCT
afbr-2190	69	22	and	and	CCONJ
afbr-2190	69	23	regulatory	regulatory	ADJ
afbr-2190	69	24	constraints	constraint	NOUN
afbr-2190	69	25	.	.	PUNCT
afbr-2190	70	1	through	through	ADP
afbr-2190	70	2	strategic	strategic	ADJ
afbr-2190	70	3	adaptations	adaptation	NOUN
afbr-2190	70	4	,	,	PUNCT
afbr-2190	70	5	including	include	VERB
afbr-2190	70	6	prudent	prudent	ADJ
afbr-2190	70	7	risk	risk	NOUN
afbr-2190	70	8	management	management	NOUN
afbr-2190	70	9	practices	practice	NOUN
afbr-2190	70	10	,	,	PUNCT
afbr-2190	70	11	currency	currency	NOUN
afbr-2190	70	12	diversification	diversification	NOUN
afbr-2190	70	13	strategies	strategy	NOUN
afbr-2190	70	14	,	,	PUNCT
afbr-2190	70	15	and	and	CCONJ
afbr-2190	70	16	proactive	proactive	ADJ
afbr-2190	70	17	engagement	engagement	NOUN
afbr-2190	70	18	with	with	ADP
afbr-2190	70	19	regulators	regulator	NOUN
afbr-2190	70	20	,	,	PUNCT
afbr-2190	70	21	banks	bank	NOUN
afbr-2190	70	22	were	be	AUX
afbr-2190	70	23	able	able	ADJ
afbr-2190	70	24	to	to	PART
afbr-2190	70	25	navigate	navigate	VERB
afbr-2190	70	26	these	these	DET
afbr-2190	70	27	challenges	challenge	NOUN
afbr-2190	70	28	and	and	CCONJ
afbr-2190	70	29	establish	establish	VERB
afbr-2190	70	30	themselves	themselves	PRON
afbr-2190	70	31	as	as	ADP
afbr-2190	70	32	vital	vital	ADJ
afbr-2190	70	33	pillars	pillar	NOUN
afbr-2190	70	34	of	of	ADP
afbr-2190	70	35	the	the	DET
afbr-2190	70	36	colonial	colonial	ADJ
afbr-2190	70	37	economy	economy	NOUN
afbr-2190	70	38	.	.	PUNCT
afbr-2190	71	1	the	the	DET
afbr-2190	71	2	lessons	lesson	NOUN
afbr-2190	71	3	learned	learn	VERB
afbr-2190	71	4	from	from	ADP
afbr-2190	71	5	these	these	DET
afbr-2190	71	6	early	early	ADJ
afbr-2190	71	7	experiences	experience	NOUN
afbr-2190	71	8	continue	continue	VERB
afbr-2190	71	9	to	to	PART
afbr-2190	71	10	inform	inform	VERB
afbr-2190	71	11	banking	banking	NOUN
afbr-2190	71	12	practices	practice	NOUN
afbr-2190	71	13	in	in	ADP
afbr-2190	71	14	modern	modern	ADJ
afbr-2190	71	15	-	-	PUNCT
afbr-2190	71	16	day	day	NOUN
afbr-2190	71	17	australia	australia	PROPN
afbr-2190	71	18	,	,	PUNCT
afbr-2190	71	19	underscoring	underscore	VERB
afbr-2190	71	20	the	the	DET
afbr-2190	71	21	importance	importance	NOUN
afbr-2190	71	22	of	of	ADP
afbr-2190	71	23	adaptability	adaptability	NOUN
afbr-2190	71	24	,	,	PUNCT
afbr-2190	71	25	resilience	resilience	NOUN
afbr-2190	71	26	,	,	PUNCT
afbr-2190	71	27	and	and	CCONJ
afbr-2190	71	28	innovation	innovation	NOUN
afbr-2190	71	29	in	in	ADP
afbr-2190	71	30	the	the	DET
afbr-2190	71	31	face	face	NOUN
afbr-2190	71	32	of	of	ADP
afbr-2190	71	33	evolving	evolve	VERB
afbr-2190	71	34	economic	economic	ADJ
afbr-2190	71	35	dynamics	dynamic	NOUN
afbr-2190	71	36	.	.	PUNCT
afbr-2190	72	1	federation	federation	NOUN
afbr-2190	72	2	and	and	CCONJ
afbr-2190	72	3	post	post	ADJ
afbr-2190	72	4	-	-	ADJ
afbr-2190	72	5	federation	federation	ADJ
afbr-2190	72	6	period	period	NOUN
afbr-2190	72	7	consolidation	consolidation	NOUN
afbr-2190	72	8	and	and	CCONJ
afbr-2190	72	9	expansion	expansion	NOUN
afbr-2190	72	10	:	:	PUNCT
afbr-2190	72	11	banking	banking	NOUN
afbr-2190	72	12	sector	sector	NOUN
afbr-2190	72	13	reforms	reform	NOUN
afbr-2190	72	14	and	and	CCONJ
afbr-2190	72	15	the	the	DET
afbr-2190	72	16	growth	growth	NOUN
afbr-2190	72	17	of	of	ADP
afbr-2190	72	18	national	national	ADJ
afbr-2190	72	19	banks	bank	NOUN
afbr-2190	72	20	post	post	NOUN
afbr-2190	72	21	-	-	NOUN
afbr-2190	72	22	federation	federation	NOUN
afbr-2190	72	23	the	the	DET
afbr-2190	72	24	period	period	NOUN
afbr-2190	72	25	following	follow	VERB
afbr-2190	72	26	federation	federation	NOUN
afbr-2190	72	27	in	in	ADP
afbr-2190	72	28	1901	1901	NUM
afbr-2190	72	29	marked	mark	VERB
afbr-2190	72	30	a	a	DET
afbr-2190	72	31	significant	significant	ADJ
afbr-2190	72	32	phase	phase	NOUN
afbr-2190	72	33	in	in	ADP
afbr-2190	72	34	the	the	DET
afbr-2190	72	35	evolution	evolution	NOUN
afbr-2190	72	36	of	of	ADP
afbr-2190	72	37	the	the	DET
afbr-2190	72	38	australian	australian	ADJ
afbr-2190	72	39	banking	banking	NOUN
afbr-2190	72	40	sector	sector	NOUN
afbr-2190	72	41	,	,	PUNCT
afbr-2190	72	42	characterized	characterize	VERB
afbr-2190	72	43	by	by	ADP
afbr-2190	72	44	consolidation	consolidation	NOUN
afbr-2190	72	45	,	,	PUNCT
afbr-2190	72	46	expansion	expansion	NOUN
afbr-2190	72	47	,	,	PUNCT
afbr-2190	72	48	and	and	CCONJ
afbr-2190	72	49	banking	banking	NOUN
afbr-2190	72	50	sector	sector	NOUN
afbr-2190	72	51	reforms	reform	NOUN
afbr-2190	72	52	.	.	PUNCT
afbr-2190	73	1	the	the	DET
afbr-2190	73	2	establishment	establishment	NOUN
afbr-2190	73	3	of	of	ADP
afbr-2190	73	4	a	a	DET
afbr-2190	73	5	unified	unified	ADJ
afbr-2190	73	6	nation	nation	NOUN
afbr-2190	73	7	provided	provide	VERB
afbr-2190	73	8	the	the	DET
afbr-2190	73	9	impetus	impetus	NOUN
afbr-2190	73	10	for	for	ADP
afbr-2190	73	11	regulatory	regulatory	ADJ
afbr-2190	73	12	reforms	reform	NOUN
afbr-2190	73	13	and	and	CCONJ
afbr-2190	73	14	the	the	DET
afbr-2190	73	15	emergence	emergence	NOUN
afbr-2190	73	16	of	of	ADP
afbr-2190	73	17	national	national	ADJ
afbr-2190	73	18	banks	bank	NOUN
afbr-2190	73	19	that	that	PRON
afbr-2190	73	20	would	would	AUX
afbr-2190	73	21	shape	shape	VERB
afbr-2190	73	22	the	the	DET
afbr-2190	73	23	financial	financial	ADJ
afbr-2190	73	24	landscape	landscape	NOUN
afbr-2190	73	25	of	of	ADP
afbr-2190	73	26	australia	australia	PROPN
afbr-2190	73	27	for	for	ADP
afbr-2190	73	28	decades	decade	NOUN
afbr-2190	73	29	to	to	PART
afbr-2190	73	30	come	come	VERB
afbr-2190	73	31	.	.	PUNCT
afbr-2190	74	1	regulatory	regulatory	ADJ
afbr-2190	74	2	reforms	reform	NOUN
afbr-2190	74	3			VERB
afbr-2190	74	4	with	with	ADP
afbr-2190	74	5	the	the	DET
afbr-2190	74	6	advent	advent	NOUN
afbr-2190	74	7	of	of	ADP
afbr-2190	74	8	federation	federation	NOUN
afbr-2190	74	9	,	,	PUNCT
afbr-2190	74	10	the	the	DET
afbr-2190	74	11	need	need	NOUN
afbr-2190	74	12	for	for	ADP
afbr-2190	74	13	a	a	DET
afbr-2190	74	14	standardized	standardized	ADJ
afbr-2190	74	15	regulatory	regulatory	ADJ
afbr-2190	74	16	framework	framework	NOUN
afbr-2190	74	17	became	become	VERB
afbr-2190	74	18	apparent	apparent	ADJ
afbr-2190	74	19	to	to	PART
afbr-2190	74	20	ensure	ensure	VERB
afbr-2190	74	21	the	the	DET
afbr-2190	74	22	stability	stability	NOUN
afbr-2190	74	23	and	and	CCONJ
afbr-2190	74	24	efficiency	efficiency	NOUN
afbr-2190	74	25	of	of	ADP
afbr-2190	74	26	the	the	DET
afbr-2190	74	27	banking	banking	NOUN
afbr-2190	74	28	sector	sector	NOUN
afbr-2190	74	29	across	across	ADP
afbr-2190	74	30	the	the	DET
afbr-2190	74	31	newly	newly	ADV
afbr-2190	74	32	formed	form	VERB
afbr-2190	74	33	nation	nation	NOUN
afbr-2190	74	34	.	.	PUNCT
afbr-2190	75	1			PUNCT
afbr-2190	76	1	the	the	DET
afbr-2190	76	2	banking	banking	NOUN
afbr-2190	76	3	act	act	NOUN
afbr-2190	76	4	of	of	ADP
afbr-2190	76	5	1911	1911	NUM
afbr-2190	76	6	represented	represent	VERB
afbr-2190	76	7	a	a	DET
afbr-2190	76	8	milestone	milestone	NOUN
afbr-2190	76	9	in	in	ADP
afbr-2190	76	10	australian	australian	ADJ
afbr-2190	76	11	banking	banking	NOUN
afbr-2190	76	12	regulation	regulation	NOUN
afbr-2190	76	13	,	,	PUNCT
afbr-2190	76	14	introducing	introduce	VERB
afbr-2190	76	15	prudential	prudential	ADJ
afbr-2190	76	16	oversight	oversight	NOUN
afbr-2190	76	17	,	,	PUNCT
afbr-2190	76	18	capital	capital	NOUN
afbr-2190	76	19	requirements	requirement	NOUN
afbr-2190	76	20	,	,	PUNCT
afbr-2190	76	21	and	and	CCONJ
afbr-2190	76	22	licensing	licensing	NOUN
afbr-2190	76	23	provisions	provision	NOUN
afbr-2190	76	24	aimed	aim	VERB
afbr-2190	76	25	at	at	ADP
afbr-2190	76	26	safeguarding	safeguard	VERB
afbr-2190	76	27	depositors	depositor	NOUN
afbr-2190	76	28	'	'	PART
afbr-2190	76	29	funds	fund	NOUN
afbr-2190	76	30	and	and	CCONJ
afbr-2190	76	31	promoting	promote	VERB
afbr-2190	76	32	financial	financial	ADJ
afbr-2190	76	33	stability	stability	NOUN
afbr-2190	76	34	.	.	PUNCT
afbr-2190	77	1			PART
afbr-2190	78	1	subsequent	subsequent	ADJ
afbr-2190	78	2	regulatory	regulatory	ADJ
afbr-2190	78	3	reforms	reform	NOUN
afbr-2190	78	4	,	,	PUNCT
afbr-2190	78	5	including	include	VERB
afbr-2190	78	6	amendments	amendment	NOUN
afbr-2190	78	7	to	to	ADP
afbr-2190	78	8	the	the	DET
afbr-2190	78	9	banking	banking	NOUN
afbr-2190	78	10	act	act	NOUN
afbr-2190	78	11	and	and	CCONJ
afbr-2190	78	12	the	the	DET
afbr-2190	78	13	establishment	establishment	NOUN
afbr-2190	78	14	of	of	ADP
afbr-2190	78	15	regulatory	regulatory	ADJ
afbr-2190	78	16	bodies	body	NOUN
afbr-2190	78	17	such	such	ADJ
afbr-2190	78	18	as	as	ADP
afbr-2190	78	19	the	the	DET
afbr-2190	78	20	commonwealth	commonwealth	PROPN
afbr-2190	78	21	bank	bank	PROPN
afbr-2190	78	22	and	and	CCONJ
afbr-2190	78	23	the	the	DET
afbr-2190	78	24	reserve	reserve	PROPN
afbr-2190	78	25	bank	bank	PROPN
afbr-2190	78	26	of	of	ADP
afbr-2190	78	27	australia	australia	PROPN
afbr-2190	78	28	(	(	PUNCT
afbr-2190	78	29	rba	rba	PROPN
afbr-2190	78	30	)	)	PUNCT
afbr-2190	78	31	,	,	PUNCT
afbr-2190	78	32	further	far	ADV
afbr-2190	78	33	strengthened	strengthen	VERB
afbr-2190	78	34	the	the	DET
afbr-2190	78	35	regulatory	regulatory	ADJ
afbr-2190	78	36	framework	framework	NOUN
afbr-2190	78	37	and	and	CCONJ
afbr-2190	78	38	enhanced	enhance	VERB
afbr-2190	78	39	the	the	DET
afbr-2190	78	40	resilience	resilience	NOUN
afbr-2190	78	41	of	of	ADP
afbr-2190	78	42	the	the	DET
afbr-2190	78	43	banking	banking	NOUN
afbr-2190	78	44	sector	sector	NOUN
afbr-2190	78	45	.	.	PUNCT
afbr-2190	79	1	growth	growth	NOUN
afbr-2190	79	2	of	of	ADP
afbr-2190	79	3	national	national	ADJ
afbr-2190	79	4	banks	bank	NOUN
afbr-2190	79	5			PART
afbr-2190	79	6	the	the	DET
afbr-2190	79	7	period	period	NOUN
afbr-2190	79	8	following	follow	VERB
afbr-2190	79	9	federation	federation	NOUN
afbr-2190	79	10	witnessed	witness	VERB
afbr-2190	79	11	the	the	DET
afbr-2190	79	12	consolidation	consolidation	NOUN
afbr-2190	79	13	of	of	ADP
afbr-2190	79	14	smaller	small	ADJ
afbr-2190	79	15	regional	regional	ADJ
afbr-2190	79	16	banks	bank	NOUN
afbr-2190	79	17	and	and	CCONJ
afbr-2190	79	18	the	the	DET
afbr-2190	79	19	emergence	emergence	NOUN
afbr-2190	79	20	of	of	ADP
afbr-2190	79	21	larger	large	ADJ
afbr-2190	79	22	national	national	ADJ
afbr-2190	79	23	banks	bank	NOUN
afbr-2190	79	24	with	with	ADP
afbr-2190	79	25	extensive	extensive	ADJ
afbr-2190	79	26	branch	branch	NOUN
afbr-2190	79	27	networks	network	NOUN
afbr-2190	79	28	and	and	CCONJ
afbr-2190	79	29	diversified	diversified	ADJ
afbr-2190	79	30	business	business	NOUN
afbr-2190	79	31	operations	operation	NOUN
afbr-2190	79	32	.	.	PUNCT
afbr-2190	80	1			PART
afbr-2190	81	1	national	national	ADJ
afbr-2190	81	2	banks	bank	NOUN
afbr-2190	81	3	such	such	ADJ
afbr-2190	81	4	as	as	ADP
afbr-2190	81	5	the	the	DET
afbr-2190	81	6	commonwealth	commonwealth	PROPN
afbr-2190	81	7	bank	bank	PROPN
afbr-2190	81	8	of	of	ADP
afbr-2190	81	9	australia	australia	PROPN
afbr-2190	81	10	(	(	PUNCT
afbr-2190	81	11	cba	cba	PROPN
afbr-2190	81	12	)	)	PUNCT
afbr-2190	81	13	,	,	PUNCT
afbr-2190	81	14	founded	found	VERB
afbr-2190	81	15	in	in	ADP
afbr-2190	81	16	1911	1911	NUM
afbr-2190	81	17	,	,	PUNCT
afbr-2190	81	18	played	play	VERB
afbr-2190	81	19	a	a	DET
afbr-2190	81	20	pivotal	pivotal	ADJ
afbr-2190	81	21	role	role	NOUN
afbr-2190	81	22	in	in	ADP
afbr-2190	81	23	driving	drive	VERB
afbr-2190	81	24	the	the	DET
afbr-2190	81	25	expansion	expansion	NOUN
afbr-2190	81	26	and	and	CCONJ
afbr-2190	81	27	modernization	modernization	NOUN
afbr-2190	81	28	of	of	ADP
afbr-2190	81	29	the	the	DET
afbr-2190	81	30	australian	australian	ADJ
afbr-2190	81	31	banking	banking	NOUN
afbr-2190	81	32	sector	sector	NOUN
afbr-2190	81	33	.	.	PUNCT
afbr-2190	82	1			PROPN
afbr-2190	83	1	the	the	DET
afbr-2190	83	2	cba	cba	PROPN
afbr-2190	83	3	,	,	PUNCT
afbr-2190	83	4	in	in	ADP
afbr-2190	83	5	particular	particular	ADJ
afbr-2190	83	6	,	,	PUNCT
afbr-2190	83	7	established	establish	VERB
afbr-2190	83	8	itself	itself	PRON
afbr-2190	83	9	as	as	ADP
afbr-2190	83	10	a	a	DET
afbr-2190	83	11	key	key	ADJ
afbr-2190	83	12	player	player	NOUN
afbr-2190	83	13	in	in	ADP
afbr-2190	83	14	the	the	DET
afbr-2190	83	15	australian	australian	ADJ
afbr-2190	83	16	financial	financial	ADJ
afbr-2190	83	17	system	system	NOUN
afbr-2190	83	18	,	,	PUNCT
afbr-2190	83	19	offering	offer	VERB
afbr-2190	83	20	a	a	DET
afbr-2190	83	21	wide	wide	ADJ
afbr-2190	83	22	range	range	NOUN
afbr-2190	83	23	of	of	ADP
afbr-2190	83	24	banking	banking	NOUN
afbr-2190	83	25	services	service	NOUN
afbr-2190	83	26	,	,	PUNCT
afbr-2190	83	27	including	include	VERB
afbr-2190	83	28	retail	retail	ADJ
afbr-2190	83	29	banking	banking	NOUN
afbr-2190	83	30	,	,	PUNCT
afbr-2190	83	31	corporate	corporate	ADJ
afbr-2190	83	32	banking	banking	NOUN
afbr-2190	83	33	,	,	PUNCT
afbr-2190	83	34	and	and	CCONJ
afbr-2190	83	35	central	central	ADJ
afbr-2190	83	36	banking	banking	NOUN
afbr-2190	83	37	functions	function	NOUN
afbr-2190	83	38	.	.	PUNCT
afbr-2190	84	1	expansion	expansion	NOUN
afbr-2190	84	2	of	of	ADP
afbr-2190	84	3	banking	banking	NOUN
afbr-2190	84	4	services	service	NOUN
afbr-2190	84	5			VERB
afbr-2190	84	6	the	the	DET
afbr-2190	84	7	growth	growth	NOUN
afbr-2190	84	8	of	of	ADP
afbr-2190	84	9	national	national	ADJ
afbr-2190	84	10	banks	bank	NOUN
afbr-2190	84	11	post	post	PROPN
afbr-2190	84	12	-	-	ADJ
afbr-2190	84	13	federation	federation	NOUN
afbr-2190	84	14	facilitated	facilitate	VERB
afbr-2190	84	15	greater	great	ADJ
afbr-2190	84	16	access	access	NOUN
afbr-2190	84	17	to	to	ADP
afbr-2190	84	18	banking	banking	NOUN
afbr-2190	84	19	services	service	NOUN
afbr-2190	84	20	for	for	ADP
afbr-2190	84	21	individuals	individual	NOUN
afbr-2190	84	22	and	and	CCONJ
afbr-2190	84	23	businesses	business	NOUN
afbr-2190	84	24	across	across	ADP
afbr-2190	84	25	australia	australia	PROPN
afbr-2190	84	26	.	.	PUNCT
afbr-2190	84	27			PART
afbr-2190	85	1	national	national	ADJ
afbr-2190	85	2	banks	bank	NOUN
afbr-2190	85	3	expanded	expand	VERB
afbr-2190	85	4	their	their	PRON
afbr-2190	85	5	branch	branch	NOUN
afbr-2190	85	6	networks	network	NOUN
afbr-2190	85	7	into	into	ADP
afbr-2190	85	8	regional	regional	ADJ
afbr-2190	85	9	and	and	CCONJ
afbr-2190	85	10	remote	remote	ADJ
afbr-2190	85	11	areas	area	NOUN
afbr-2190	85	12	,	,	PUNCT
afbr-2190	85	13	providing	provide	VERB
afbr-2190	85	14	essential	essential	ADJ
afbr-2190	85	15	financial	financial	ADJ
afbr-2190	85	16	services	service	NOUN
afbr-2190	85	17	to	to	ADP
afbr-2190	85	18	rural	rural	ADJ
afbr-2190	85	19	communities	community	NOUN
afbr-2190	85	20	and	and	CCONJ
afbr-2190	85	21	supporting	support	VERB
afbr-2190	85	22	economic	economic	ADJ
afbr-2190	85	23	development	development	NOUN
afbr-2190	85	24	outside	outside	ADP
afbr-2190	85	25	of	of	ADP
afbr-2190	85	26	major	major	ADJ
afbr-2190	85	27	urban	urban	ADJ
afbr-2190	85	28	centers	center	NOUN
afbr-2190	85	29	.	.	PUNCT
afbr-2190	86	1			PROPN
afbr-2190	87	1	the	the	DET
afbr-2190	87	2	introduction	introduction	NOUN
afbr-2190	87	3	of	of	ADP
afbr-2190	87	4	new	new	ADJ
afbr-2190	87	5	banking	banking	NOUN
afbr-2190	87	6	products	product	NOUN
afbr-2190	87	7	and	and	CCONJ
afbr-2190	87	8	services	service	NOUN
afbr-2190	87	9	,	,	PUNCT
afbr-2190	87	10	such	such	ADJ
afbr-2190	87	11	as	as	ADP
afbr-2190	87	12	savings	saving	NOUN
afbr-2190	87	13	accounts	account	NOUN
afbr-2190	87	14	,	,	PUNCT
afbr-2190	87	15	personal	personal	ADJ
afbr-2190	87	16	loans	loan	NOUN
afbr-2190	87	17	,	,	PUNCT
afbr-2190	87	18	and	and	CCONJ
afbr-2190	87	19	mortgage	mortgage	NOUN
afbr-2190	87	20	financing	financing	NOUN
afbr-2190	87	21	,	,	PUNCT
afbr-2190	87	22	contributed	contribute	VERB
afbr-2190	87	23	to	to	ADP
afbr-2190	87	24	the	the	DET
afbr-2190	87	25	democratization	democratization	NOUN
afbr-2190	87	26	of	of	ADP
afbr-2190	87	27	finance	finance	NOUN
afbr-2190	87	28	and	and	CCONJ
afbr-2190	87	29	the	the	DET
afbr-2190	87	30	broadening	broadening	NOUN
afbr-2190	87	31	of	of	ADP
afbr-2190	87	32	financial	financial	ADJ
afbr-2190	87	33	inclusion	inclusion	NOUN
afbr-2190	87	34	.	.	PUNCT
afbr-2190	88	1	jakaria	jakaria	PROPN
afbr-2190	88	2	,	,	PUNCT
afbr-2190	88	3	australian	australian	ADJ
afbr-2190	88	4	finance	finance	NOUN
afbr-2190	88	5	&	&	CCONJ
afbr-2190	88	6	banking	banking	PROPN
afbr-2190	88	7	review	review	NOUN
afbr-2190	88	8	7(1	7(1	NUM
afbr-2190	88	9	)	)	PUNCT
afbr-2190	88	10	(	(	PUNCT
afbr-2190	88	11	2023	2023	NUM
afbr-2190	88	12	)	)	PUNCT
afbr-2190	88	13	,	,	PUNCT
afbr-2190	88	14	9	9	NUM
afbr-2190	88	15	-	-	SYM
afbr-2190	88	16	29	29	NUM
afbr-2190	88	17	12	12	NUM
afbr-2190	88	18	technological	technological	ADJ
afbr-2190	88	19	advancements	advancement	NOUN
afbr-2190	88	20			X
afbr-2190	88	21	the	the	DET
afbr-2190	88	22	post	post	ADJ
afbr-2190	88	23	-	-	ADJ
afbr-2190	88	24	federation	federation	ADJ
afbr-2190	88	25	era	era	NOUN
afbr-2190	88	26	also	also	ADV
afbr-2190	88	27	witnessed	witness	VERB
afbr-2190	88	28	technological	technological	ADJ
afbr-2190	88	29	advancements	advancement	NOUN
afbr-2190	88	30	that	that	PRON
afbr-2190	88	31	transformed	transform	VERB
afbr-2190	88	32	banking	banking	NOUN
afbr-2190	88	33	operations	operation	NOUN
afbr-2190	88	34	and	and	CCONJ
afbr-2190	88	35	customer	customer	NOUN
afbr-2190	88	36	service	service	NOUN
afbr-2190	88	37	delivery	delivery	NOUN
afbr-2190	88	38	.	.	PUNCT
afbr-2190	89	1			PUNCT
afbr-2190	90	1	innovations	innovation	NOUN
afbr-2190	90	2	such	such	ADJ
afbr-2190	90	3	as	as	ADP
afbr-2190	90	4	check	check	NOUN
afbr-2190	90	5	clearing	clearing	NOUN
afbr-2190	90	6	systems	system	NOUN
afbr-2190	90	7	,	,	PUNCT
afbr-2190	90	8	automated	automate	VERB
afbr-2190	90	9	teller	teller	NOUN
afbr-2190	90	10	machines	machine	NOUN
afbr-2190	90	11	(	(	PUNCT
afbr-2190	90	12	atms	atms	PROPN
afbr-2190	90	13	)	)	PUNCT
afbr-2190	90	14	,	,	PUNCT
afbr-2190	90	15	and	and	CCONJ
afbr-2190	90	16	electronic	electronic	ADJ
afbr-2190	90	17	payment	payment	NOUN
afbr-2190	90	18	systems	system	NOUN
afbr-2190	90	19	improved	improve	VERB
afbr-2190	90	20	the	the	DET
afbr-2190	90	21	efficiency	efficiency	NOUN
afbr-2190	90	22	and	and	CCONJ
afbr-2190	90	23	convenience	convenience	NOUN
afbr-2190	90	24	of	of	ADP
afbr-2190	90	25	banking	banking	NOUN
afbr-2190	90	26	transactions	transaction	NOUN
afbr-2190	90	27	,	,	PUNCT
afbr-2190	90	28	enhancing	enhance	VERB
afbr-2190	90	29	the	the	DET
afbr-2190	90	30	customer	customer	NOUN
afbr-2190	90	31	experience	experience	NOUN
afbr-2190	90	32	and	and	CCONJ
afbr-2190	90	33	driving	drive	VERB
afbr-2190	90	34	further	further	ADJ
afbr-2190	90	35	adoption	adoption	NOUN
afbr-2190	90	36	of	of	ADP
afbr-2190	90	37	banking	banking	NOUN
afbr-2190	90	38	services	service	NOUN
afbr-2190	90	39	.	.	PUNCT
afbr-2190	91	1	in	in	ADP
afbr-2190	91	2	conclusion	conclusion	NOUN
afbr-2190	91	3	,	,	PUNCT
afbr-2190	91	4	the	the	DET
afbr-2190	91	5	period	period	NOUN
afbr-2190	91	6	following	follow	VERB
afbr-2190	91	7	federation	federation	PROPN
afbr-2190	91	8	in	in	ADP
afbr-2190	91	9	australia	australia	PROPN
afbr-2190	91	10	marked	mark	VERB
afbr-2190	91	11	a	a	DET
afbr-2190	91	12	transformative	transformative	ADJ
afbr-2190	91	13	phase	phase	NOUN
afbr-2190	91	14	in	in	ADP
afbr-2190	91	15	the	the	DET
afbr-2190	91	16	history	history	NOUN
afbr-2190	91	17	of	of	ADP
afbr-2190	91	18	the	the	DET
afbr-2190	91	19	banking	banking	NOUN
afbr-2190	91	20	sector	sector	NOUN
afbr-2190	91	21	,	,	PUNCT
afbr-2190	91	22	characterized	characterize	VERB
afbr-2190	91	23	by	by	ADP
afbr-2190	91	24	regulatory	regulatory	ADJ
afbr-2190	91	25	reforms	reform	NOUN
afbr-2190	91	26	,	,	PUNCT
afbr-2190	91	27	consolidation	consolidation	NOUN
afbr-2190	91	28	,	,	PUNCT
afbr-2190	91	29	and	and	CCONJ
afbr-2190	91	30	the	the	DET
afbr-2190	91	31	emergence	emergence	NOUN
afbr-2190	91	32	of	of	ADP
afbr-2190	91	33	national	national	ADJ
afbr-2190	91	34	banks	bank	NOUN
afbr-2190	91	35	.	.	PUNCT
afbr-2190	92	1	these	these	DET
afbr-2190	92	2	developments	development	NOUN
afbr-2190	92	3	laid	lay	VERB
afbr-2190	92	4	the	the	DET
afbr-2190	92	5	foundation	foundation	NOUN
afbr-2190	92	6	for	for	ADP
afbr-2190	92	7	a	a	DET
afbr-2190	92	8	modern	modern	ADJ
afbr-2190	92	9	and	and	CCONJ
afbr-2190	92	10	resilient	resilient	ADJ
afbr-2190	92	11	banking	banking	NOUN
afbr-2190	92	12	system	system	NOUN
afbr-2190	92	13	that	that	PRON
afbr-2190	92	14	would	would	AUX
afbr-2190	92	15	support	support	VERB
afbr-2190	92	16	the	the	DET
afbr-2190	92	17	nation	nation	NOUN
afbr-2190	92	18	's	's	PART
afbr-2190	92	19	economic	economic	ADJ
afbr-2190	92	20	growth	growth	NOUN
afbr-2190	92	21	and	and	CCONJ
afbr-2190	92	22	prosperity	prosperity	NOUN
afbr-2190	92	23	in	in	ADP
afbr-2190	92	24	the	the	DET
afbr-2190	92	25	decades	decade	NOUN
afbr-2190	92	26	to	to	PART
afbr-2190	92	27	come	come	VERB
afbr-2190	92	28	.	.	PUNCT
afbr-2190	93	1	impact	impact	NOUN
afbr-2190	93	2	of	of	ADP
afbr-2190	93	3	world	world	NOUN
afbr-2190	93	4	wars	war	NOUN
afbr-2190	93	5	:	:	PUNCT
afbr-2190	93	6	the	the	DET
afbr-2190	93	7	role	role	NOUN
afbr-2190	93	8	of	of	ADP
afbr-2190	93	9	banks	bank	NOUN
afbr-2190	93	10	in	in	ADP
afbr-2190	93	11	financing	finance	VERB
afbr-2190	93	12	wartime	wartime	ADJ
afbr-2190	93	13	efforts	effort	NOUN
afbr-2190	93	14	and	and	CCONJ
afbr-2190	93	15	managing	manage	VERB
afbr-2190	93	16	economic	economic	ADJ
afbr-2190	93	17	disruptions	disruption	NOUN
afbr-2190	93	18	the	the	DET
afbr-2190	93	19	outbreak	outbreak	NOUN
afbr-2190	93	20	of	of	ADP
afbr-2190	93	21	world	world	NOUN
afbr-2190	93	22	war	war	NOUN
afbr-2190	93	23	i	i	PRON
afbr-2190	93	24	(	(	PUNCT
afbr-2190	93	25	1914	1914	NUM
afbr-2190	93	26	-	-	SYM
afbr-2190	93	27	1918	1918	NUM
afbr-2190	93	28	)	)	PUNCT
afbr-2190	93	29	and	and	CCONJ
afbr-2190	93	30	world	world	PROPN
afbr-2190	93	31	war	war	PROPN
afbr-2190	93	32	ii	ii	PROPN
afbr-2190	93	33	(	(	PUNCT
afbr-2190	93	34	1939	1939	NUM
afbr-2190	93	35	-	-	SYM
afbr-2190	93	36	1945	1945	NUM
afbr-2190	93	37	)	)	PUNCT
afbr-2190	93	38	had	have	VERB
afbr-2190	93	39	profound	profound	ADJ
afbr-2190	93	40	implications	implication	NOUN
afbr-2190	93	41	for	for	ADP
afbr-2190	93	42	the	the	DET
afbr-2190	93	43	australian	australian	ADJ
afbr-2190	93	44	banking	banking	NOUN
afbr-2190	93	45	sector	sector	NOUN
afbr-2190	93	46	,	,	PUNCT
afbr-2190	93	47	as	as	SCONJ
afbr-2190	93	48	banks	bank	NOUN
afbr-2190	93	49	played	play	VERB
afbr-2190	93	50	a	a	DET
afbr-2190	93	51	crucial	crucial	ADJ
afbr-2190	93	52	role	role	NOUN
afbr-2190	93	53	in	in	ADP
afbr-2190	93	54	financing	finance	VERB
afbr-2190	93	55	wartime	wartime	ADJ
afbr-2190	93	56	efforts	effort	NOUN
afbr-2190	93	57	,	,	PUNCT
afbr-2190	93	58	managing	manage	VERB
afbr-2190	93	59	economic	economic	ADJ
afbr-2190	93	60	disruptions	disruption	NOUN
afbr-2190	93	61	,	,	PUNCT
afbr-2190	93	62	and	and	CCONJ
afbr-2190	93	63	supporting	support	VERB
afbr-2190	93	64	national	national	ADJ
afbr-2190	93	65	mobilization	mobilization	NOUN
afbr-2190	93	66	efforts	effort	NOUN
afbr-2190	93	67	.	.	PUNCT
afbr-2190	94	1	financing	finance	VERB
afbr-2190	94	2	wartime	wartime	ADJ
afbr-2190	94	3	efforts	effort	NOUN
afbr-2190	94	4			VERB
afbr-2190	94	5	during	during	ADP
afbr-2190	94	6	both	both	DET
afbr-2190	94	7	world	world	NOUN
afbr-2190	94	8	wars	war	NOUN
afbr-2190	94	9	,	,	PUNCT
afbr-2190	94	10	australian	australian	ADJ
afbr-2190	94	11	banks	bank	NOUN
afbr-2190	94	12	played	play	VERB
afbr-2190	94	13	a	a	DET
afbr-2190	94	14	critical	critical	ADJ
afbr-2190	94	15	role	role	NOUN
afbr-2190	94	16	in	in	ADP
afbr-2190	94	17	financing	finance	VERB
afbr-2190	94	18	the	the	DET
afbr-2190	94	19	war	war	NOUN
afbr-2190	94	20	efforts	effort	NOUN
afbr-2190	94	21	of	of	ADP
afbr-2190	94	22	the	the	DET
afbr-2190	94	23	allied	ally	VERB
afbr-2190	94	24	powers	power	NOUN
afbr-2190	94	25	,	,	PUNCT
afbr-2190	94	26	including	include	VERB
afbr-2190	94	27	australia	australia	PROPN
afbr-2190	94	28	's	's	PART
afbr-2190	94	29	own	own	ADJ
afbr-2190	94	30	military	military	ADJ
afbr-2190	94	31	contributions	contribution	NOUN
afbr-2190	94	32	.	.	PUNCT
afbr-2190	95	1			PART
afbr-2190	96	1	banks	bank	NOUN
afbr-2190	96	2	facilitated	facilitate	VERB
afbr-2190	96	3	government	government	NOUN
afbr-2190	96	4	borrowing	borrow	VERB
afbr-2190	96	5	through	through	ADP
afbr-2190	96	6	the	the	DET
afbr-2190	96	7	issuance	issuance	NOUN
afbr-2190	96	8	of	of	ADP
afbr-2190	96	9	war	war	NOUN
afbr-2190	96	10	bonds	bond	NOUN
afbr-2190	96	11	and	and	CCONJ
afbr-2190	96	12	treasury	treasury	NOUN
afbr-2190	96	13	bills	bill	NOUN
afbr-2190	96	14	,	,	PUNCT
afbr-2190	96	15	providing	provide	VERB
afbr-2190	96	16	the	the	DET
afbr-2190	96	17	necessary	necessary	ADJ
afbr-2190	96	18	funds	fund	NOUN
afbr-2190	96	19	to	to	PART
afbr-2190	96	20	finance	finance	VERB
afbr-2190	96	21	military	military	ADJ
afbr-2190	96	22	operations	operation	NOUN
afbr-2190	96	23	,	,	PUNCT
afbr-2190	96	24	purchase	purchase	NOUN
afbr-2190	96	25	equipment	equipment	NOUN
afbr-2190	96	26	,	,	PUNCT
afbr-2190	96	27	and	and	CCONJ
afbr-2190	96	28	support	support	VERB
afbr-2190	96	29	war	war	NOUN
afbr-2190	96	30	-	-	PUNCT
afbr-2190	96	31	related	relate	VERB
afbr-2190	96	32	industries	industry	NOUN
afbr-2190	96	33	.	.	PUNCT
afbr-2190	97	1			X
afbr-2190	97	2	additionally	additionally	ADV
afbr-2190	97	3	,	,	PUNCT
afbr-2190	97	4	banks	bank	NOUN
afbr-2190	97	5	extended	extend	VERB
afbr-2190	97	6	credit	credit	NOUN
afbr-2190	97	7	to	to	ADP
afbr-2190	97	8	businesses	business	NOUN
afbr-2190	97	9	engaged	engage	VERB
afbr-2190	97	10	in	in	ADP
afbr-2190	97	11	war	war	NOUN
afbr-2190	97	12	production	production	NOUN
afbr-2190	97	13	,	,	PUNCT
afbr-2190	97	14	including	include	VERB
afbr-2190	97	15	munitions	munition	NOUN
afbr-2190	97	16	factories	factory	NOUN
afbr-2190	97	17	,	,	PUNCT
afbr-2190	97	18	shipyards	shipyard	NOUN
afbr-2190	97	19	,	,	PUNCT
afbr-2190	97	20	and	and	CCONJ
afbr-2190	97	21	aircraft	aircraft	NOUN
afbr-2190	97	22	manufacturers	manufacturer	NOUN
afbr-2190	97	23	,	,	PUNCT
afbr-2190	97	24	thereby	thereby	ADV
afbr-2190	97	25	contributing	contribute	VERB
afbr-2190	97	26	to	to	ADP
afbr-2190	97	27	the	the	DET
afbr-2190	97	28	expansion	expansion	NOUN
afbr-2190	97	29	of	of	ADP
afbr-2190	97	30	wartime	wartime	ADJ
afbr-2190	97	31	industries	industry	NOUN
afbr-2190	97	32	and	and	CCONJ
afbr-2190	97	33	the	the	DET
afbr-2190	97	34	mobilization	mobilization	NOUN
afbr-2190	97	35	of	of	ADP
afbr-2190	97	36	resources	resource	NOUN
afbr-2190	97	37	for	for	ADP
afbr-2190	97	38	the	the	DET
afbr-2190	97	39	war	war	NOUN
afbr-2190	97	40	effort	effort	NOUN
afbr-2190	97	41	.	.	PUNCT
afbr-2190	98	1	managing	manage	VERB
afbr-2190	98	2	economic	economic	ADJ
afbr-2190	98	3	disruptions	disruption	NOUN
afbr-2190	98	4			VERB
afbr-2190	98	5	the	the	DET
afbr-2190	98	6	onset	onset	NOUN
afbr-2190	98	7	of	of	ADP
afbr-2190	98	8	world	world	NOUN
afbr-2190	98	9	wars	war	NOUN
afbr-2190	98	10	led	lead	VERB
afbr-2190	98	11	to	to	ADP
afbr-2190	98	12	significant	significant	ADJ
afbr-2190	98	13	economic	economic	ADJ
afbr-2190	98	14	disruptions	disruption	NOUN
afbr-2190	98	15	,	,	PUNCT
afbr-2190	98	16	including	include	VERB
afbr-2190	98	17	disruptions	disruption	NOUN
afbr-2190	98	18	to	to	ADP
afbr-2190	98	19	trade	trade	NOUN
afbr-2190	98	20	,	,	PUNCT
afbr-2190	98	21	labor	labor	NOUN
afbr-2190	98	22	shortages	shortage	NOUN
afbr-2190	98	23	,	,	PUNCT
afbr-2190	98	24	inflationary	inflationary	ADJ
afbr-2190	98	25	pressures	pressure	NOUN
afbr-2190	98	26	,	,	PUNCT
afbr-2190	98	27	and	and	CCONJ
afbr-2190	98	28	fluctuations	fluctuation	NOUN
afbr-2190	98	29	in	in	ADP
afbr-2190	98	30	commodity	commodity	NOUN
afbr-2190	98	31	prices	price	NOUN
afbr-2190	98	32	.	.	PUNCT
afbr-2190	99	1			PART
afbr-2190	100	1	australian	australian	ADJ
afbr-2190	100	2	banks	bank	NOUN
afbr-2190	100	3	played	play	VERB
afbr-2190	100	4	a	a	DET
afbr-2190	100	5	key	key	ADJ
afbr-2190	100	6	role	role	NOUN
afbr-2190	100	7	in	in	ADP
afbr-2190	100	8	managing	manage	VERB
afbr-2190	100	9	these	these	DET
afbr-2190	100	10	economic	economic	ADJ
afbr-2190	100	11	challenges	challenge	NOUN
afbr-2190	100	12	by	by	ADP
afbr-2190	100	13	providing	provide	VERB
afbr-2190	100	14	liquidity	liquidity	NOUN
afbr-2190	100	15	to	to	ADP
afbr-2190	100	16	businesses	business	NOUN
afbr-2190	100	17	and	and	CCONJ
afbr-2190	100	18	individuals	individual	NOUN
afbr-2190	100	19	affected	affect	VERB
afbr-2190	100	20	by	by	ADP
afbr-2190	100	21	the	the	DET
afbr-2190	100	22	war	war	NOUN
afbr-2190	100	23	,	,	PUNCT
afbr-2190	100	24	extending	extend	VERB
afbr-2190	100	25	credit	credit	NOUN
afbr-2190	100	26	to	to	PART
afbr-2190	100	27	bridge	bridge	VERB
afbr-2190	100	28	temporary	temporary	ADJ
afbr-2190	100	29	financing	financing	NOUN
afbr-2190	100	30	gaps	gap	NOUN
afbr-2190	100	31	,	,	PUNCT
afbr-2190	100	32	and	and	CCONJ
afbr-2190	100	33	facilitating	facilitate	VERB
afbr-2190	100	34	the	the	DET
afbr-2190	100	35	resumption	resumption	NOUN
afbr-2190	100	36	of	of	ADP
afbr-2190	100	37	economic	economic	ADJ
afbr-2190	100	38	activities	activity	NOUN
afbr-2190	100	39	.	.	PUNCT
afbr-2190	101	1			PUNCT
afbr-2190	102	1	banks	bank	NOUN
afbr-2190	102	2	also	also	ADV
afbr-2190	102	3	worked	work	VERB
afbr-2190	102	4	closely	closely	ADV
afbr-2190	102	5	with	with	ADP
afbr-2190	102	6	government	government	NOUN
afbr-2190	102	7	authorities	authority	NOUN
afbr-2190	102	8	to	to	PART
afbr-2190	102	9	implement	implement	VERB
afbr-2190	102	10	measures	measure	NOUN
afbr-2190	102	11	aimed	aim	VERB
afbr-2190	102	12	at	at	ADP
afbr-2190	102	13	stabilizing	stabilize	VERB
afbr-2190	102	14	the	the	DET
afbr-2190	102	15	economy	economy	NOUN
afbr-2190	102	16	,	,	PUNCT
afbr-2190	102	17	including	include	VERB
afbr-2190	102	18	price	price	NOUN
afbr-2190	102	19	controls	control	NOUN
afbr-2190	102	20	,	,	PUNCT
afbr-2190	102	21	rationing	ration	VERB
afbr-2190	102	22	schemes	scheme	NOUN
afbr-2190	102	23	,	,	PUNCT
afbr-2190	102	24	and	and	CCONJ
afbr-2190	102	25	labor	labor	NOUN
afbr-2190	102	26	mobilization	mobilization	NOUN
afbr-2190	102	27	programs	program	NOUN
afbr-2190	102	28	.	.	PUNCT
afbr-2190	103	1	supporting	support	VERB
afbr-2190	103	2	national	national	ADJ
afbr-2190	103	3	mobilization	mobilization	NOUN
afbr-2190	103	4	efforts	effort	NOUN
afbr-2190	103	5			PUNCT
afbr-2190	103	6	australian	australian	ADJ
afbr-2190	103	7	banks	bank	NOUN
afbr-2190	103	8	actively	actively	ADV
afbr-2190	103	9	supported	support	VERB
afbr-2190	103	10	national	national	ADJ
afbr-2190	103	11	mobilization	mobilization	NOUN
afbr-2190	103	12	efforts	effort	NOUN
afbr-2190	103	13	during	during	ADP
afbr-2190	103	14	both	both	DET
afbr-2190	103	15	world	world	NOUN
afbr-2190	103	16	wars	war	NOUN
afbr-2190	103	17	by	by	ADP
afbr-2190	103	18	participating	participate	VERB
afbr-2190	103	19	in	in	ADP
afbr-2190	103	20	government	government	NOUN
afbr-2190	103	21	-	-	PUNCT
afbr-2190	103	22	led	lead	VERB
afbr-2190	103	23	initiatives	initiative	NOUN
afbr-2190	103	24	to	to	PART
afbr-2190	103	25	support	support	VERB
afbr-2190	103	26	the	the	DET
afbr-2190	103	27	war	war	NOUN
afbr-2190	103	28	economy	economy	NOUN
afbr-2190	103	29	and	and	CCONJ
afbr-2190	103	30	ensure	ensure	VERB
afbr-2190	103	31	the	the	DET
afbr-2190	103	32	efficient	efficient	ADJ
afbr-2190	103	33	allocation	allocation	NOUN
afbr-2190	103	34	of	of	ADP
afbr-2190	103	35	resources	resource	NOUN
afbr-2190	103	36	.	.	PUNCT
afbr-2190	104	1			PUNCT
afbr-2190	105	1	banks	bank	NOUN
afbr-2190	105	2	cooperated	cooperate	VERB
afbr-2190	105	3	with	with	ADP
afbr-2190	105	4	government	government	NOUN
afbr-2190	105	5	agencies	agency	NOUN
afbr-2190	105	6	to	to	PART
afbr-2190	105	7	channel	channel	VERB
afbr-2190	105	8	financial	financial	ADJ
afbr-2190	105	9	resources	resource	NOUN
afbr-2190	105	10	towards	towards	ADP
afbr-2190	105	11	priority	priority	NOUN
afbr-2190	105	12	sectors	sector	NOUN
afbr-2190	105	13	such	such	ADJ
afbr-2190	105	14	as	as	ADP
afbr-2190	105	15	defense	defense	NOUN
afbr-2190	105	16	production	production	NOUN
afbr-2190	105	17	,	,	PUNCT
afbr-2190	105	18	agriculture	agriculture	NOUN
afbr-2190	105	19	,	,	PUNCT
afbr-2190	105	20	and	and	CCONJ
afbr-2190	105	21	infrastructure	infrastructure	NOUN
afbr-2190	105	22	development	development	NOUN
afbr-2190	105	23	.	.	PUNCT
afbr-2190	106	1			PART
afbr-2190	107	1	moreover	moreover	ADV
afbr-2190	107	2	,	,	PUNCT
afbr-2190	107	3	banks	bank	NOUN
afbr-2190	107	4	played	play	VERB
afbr-2190	107	5	a	a	DET
afbr-2190	107	6	role	role	NOUN
afbr-2190	107	7	in	in	ADP
afbr-2190	107	8	facilitating	facilitate	VERB
afbr-2190	107	9	the	the	DET
afbr-2190	107	10	recruitment	recruitment	NOUN
afbr-2190	107	11	and	and	CCONJ
afbr-2190	107	12	deployment	deployment	NOUN
afbr-2190	107	13	of	of	ADP
afbr-2190	107	14	personnel	personnel	NOUN
afbr-2190	107	15	for	for	ADP
afbr-2190	107	16	military	military	ADJ
afbr-2190	107	17	service	service	NOUN
afbr-2190	107	18	by	by	ADP
afbr-2190	107	19	providing	provide	VERB
afbr-2190	107	20	banking	banking	NOUN
afbr-2190	107	21	services	service	NOUN
afbr-2190	107	22	to	to	ADP
afbr-2190	107	23	defense	defense	NOUN
afbr-2190	107	24	personnel	personnel	NOUN
afbr-2190	107	25	and	and	CCONJ
afbr-2190	107	26	their	their	PRON
afbr-2190	107	27	families	family	NOUN
afbr-2190	107	28	,	,	PUNCT
afbr-2190	107	29	including	include	VERB
afbr-2190	107	30	managing	manage	VERB
afbr-2190	107	31	military	military	ADJ
afbr-2190	107	32	payrolls	payroll	NOUN
afbr-2190	107	33	and	and	CCONJ
afbr-2190	107	34	administering	administer	VERB
afbr-2190	107	35	welfare	welfare	NOUN
afbr-2190	107	36	programs	program	NOUN
afbr-2190	107	37	.	.	PUNCT
afbr-2190	108	1	post	post	ADJ
afbr-2190	108	2	-	-	ADJ
afbr-2190	108	3	war	war	ADJ
afbr-2190	108	4	reconstruction	reconstruction	NOUN
afbr-2190	108	5	and	and	CCONJ
afbr-2190	108	6	recovery	recovery	NOUN
afbr-2190	108	7			PUNCT
afbr-2190	108	8	following	follow	VERB
afbr-2190	108	9	the	the	DET
afbr-2190	108	10	conclusion	conclusion	NOUN
afbr-2190	108	11	of	of	ADP
afbr-2190	108	12	world	world	NOUN
afbr-2190	108	13	wars	war	NOUN
afbr-2190	108	14	,	,	PUNCT
afbr-2190	108	15	australian	australian	ADJ
afbr-2190	108	16	banks	bank	NOUN
afbr-2190	108	17	played	play	VERB
afbr-2190	108	18	a	a	DET
afbr-2190	108	19	vital	vital	ADJ
afbr-2190	108	20	role	role	NOUN
afbr-2190	108	21	in	in	ADP
afbr-2190	108	22	financing	finance	VERB
afbr-2190	108	23	post	post	ADJ
afbr-2190	108	24	-	-	ADJ
afbr-2190	108	25	war	war	ADJ
afbr-2190	108	26	reconstruction	reconstruction	NOUN
afbr-2190	108	27	and	and	CCONJ
afbr-2190	108	28	recovery	recovery	NOUN
afbr-2190	108	29	efforts	effort	NOUN
afbr-2190	108	30	,	,	PUNCT
afbr-2190	108	31	supporting	support	VERB
afbr-2190	108	32	the	the	DET
afbr-2190	108	33	rebuilding	rebuilding	NOUN
afbr-2190	108	34	of	of	ADP
afbr-2190	108	35	infrastructure	infrastructure	NOUN
afbr-2190	108	36	,	,	PUNCT
afbr-2190	108	37	the	the	DET
afbr-2190	108	38	rehabilitation	rehabilitation	NOUN
afbr-2190	108	39	of	of	ADP
afbr-2190	108	40	returning	return	VERB
afbr-2190	108	41	servicemen	serviceman	NOUN
afbr-2190	108	42	,	,	PUNCT
afbr-2190	108	43	and	and	CCONJ
afbr-2190	108	44	the	the	DET
afbr-2190	108	45	resumption	resumption	NOUN
afbr-2190	108	46	of	of	ADP
afbr-2190	108	47	civilian	civilian	ADJ
afbr-2190	108	48	economic	economic	ADJ
afbr-2190	108	49	activities	activity	NOUN
afbr-2190	108	50	.	.	PUNCT
afbr-2190	109	1			PART
afbr-2190	110	1	banks	bank	NOUN
afbr-2190	110	2	extended	extend	VERB
afbr-2190	110	3	credit	credit	NOUN
afbr-2190	110	4	to	to	ADP
afbr-2190	110	5	businesses	business	NOUN
afbr-2190	110	6	and	and	CCONJ
afbr-2190	110	7	individuals	individual	NOUN
afbr-2190	110	8	to	to	PART
afbr-2190	110	9	stimulate	stimulate	VERB
afbr-2190	110	10	investment	investment	NOUN
afbr-2190	110	11	and	and	CCONJ
afbr-2190	110	12	consumption	consumption	NOUN
afbr-2190	110	13	,	,	PUNCT
afbr-2190	110	14	thereby	thereby	ADV
afbr-2190	110	15	contributing	contribute	VERB
afbr-2190	110	16	to	to	ADP
afbr-2190	110	17	the	the	DET
afbr-2190	110	18	economic	economic	ADJ
afbr-2190	110	19	recovery	recovery	NOUN
afbr-2190	110	20	and	and	CCONJ
afbr-2190	110	21	the	the	DET
afbr-2190	110	22	transition	transition	NOUN
afbr-2190	110	23	to	to	ADP
afbr-2190	110	24	peacetime	peacetime	NOUN
afbr-2190	110	25	prosperity	prosperity	NOUN
afbr-2190	110	26	.	.	PUNCT
afbr-2190	111	1	in	in	ADP
afbr-2190	111	2	conclusion	conclusion	NOUN
afbr-2190	111	3	,	,	PUNCT
afbr-2190	111	4	australian	australian	ADJ
afbr-2190	111	5	banks	bank	NOUN
afbr-2190	111	6	played	play	VERB
afbr-2190	111	7	a	a	DET
afbr-2190	111	8	multifaceted	multifaceted	ADJ
afbr-2190	111	9	role	role	NOUN
afbr-2190	111	10	during	during	ADP
afbr-2190	111	11	world	world	NOUN
afbr-2190	111	12	wars	war	NOUN
afbr-2190	111	13	,	,	PUNCT
afbr-2190	111	14	serving	serve	VERB
afbr-2190	111	15	as	as	ADP
afbr-2190	111	16	financial	financial	ADJ
afbr-2190	111	17	intermediaries	intermediary	NOUN
afbr-2190	111	18	,	,	PUNCT
afbr-2190	111	19	economic	economic	ADJ
afbr-2190	111	20	stabilizers	stabilizer	NOUN
afbr-2190	111	21	,	,	PUNCT
afbr-2190	111	22	and	and	CCONJ
afbr-2190	111	23	agents	agent	NOUN
afbr-2190	111	24	of	of	ADP
afbr-2190	111	25	national	national	ADJ
afbr-2190	111	26	mobilization	mobilization	NOUN
afbr-2190	111	27	.	.	PUNCT
afbr-2190	112	1	their	their	PRON
afbr-2190	112	2	contributions	contribution	NOUN
afbr-2190	112	3	to	to	ADP
afbr-2190	112	4	financing	finance	VERB
afbr-2190	112	5	wartime	wartime	ADJ
afbr-2190	112	6	efforts	effort	NOUN
afbr-2190	112	7	,	,	PUNCT
afbr-2190	112	8	managing	manage	VERB
afbr-2190	112	9	economic	economic	ADJ
afbr-2190	112	10	disruptions	disruption	NOUN
afbr-2190	112	11	,	,	PUNCT
afbr-2190	112	12	and	and	CCONJ
afbr-2190	112	13	supporting	support	VERB
afbr-2190	112	14	post	post	ADJ
afbr-2190	112	15	-	-	ADJ
afbr-2190	112	16	war	war	ADJ
afbr-2190	112	17	reconstruction	reconstruction	NOUN
afbr-2190	112	18	were	be	AUX
afbr-2190	112	19	instrumental	instrumental	ADJ
afbr-2190	112	20	in	in	ADP
afbr-2190	112	21	sustaining	sustain	VERB
afbr-2190	112	22	australia	australia	PROPN
afbr-2190	112	23	's	's	PART
afbr-2190	112	24	war	war	NOUN
afbr-2190	112	25	effort	effort	NOUN
afbr-2190	112	26	and	and	CCONJ
afbr-2190	112	27	facilitating	facilitate	VERB
afbr-2190	112	28	the	the	DET
afbr-2190	112	29	country	country	NOUN
afbr-2190	112	30	's	's	PART
afbr-2190	112	31	transition	transition	NOUN
afbr-2190	112	32	to	to	ADP
afbr-2190	112	33	a	a	DET
afbr-2190	112	34	peacetime	peacetime	NOUN
afbr-2190	112	35	economy	economy	NOUN
afbr-2190	112	36	.	.	PUNCT
afbr-2190	113	1	jakaria	jakaria	PROPN
afbr-2190	113	2	,	,	PUNCT
afbr-2190	113	3	australian	australian	ADJ
afbr-2190	113	4	finance	finance	NOUN
afbr-2190	113	5	&	&	CCONJ
afbr-2190	113	6	banking	banking	PROPN
afbr-2190	113	7	review	review	NOUN
afbr-2190	113	8	7(1	7(1	NUM
afbr-2190	113	9	)	)	PUNCT
afbr-2190	113	10	(	(	PUNCT
afbr-2190	113	11	2023	2023	NUM
afbr-2190	113	12	)	)	PUNCT
afbr-2190	113	13	,	,	PUNCT
afbr-2190	113	14	9	9	NUM
afbr-2190	113	15	-	-	SYM
afbr-2190	113	16	29	29	NUM
afbr-2190	113	17	13	13	NUM
afbr-2190	113	18	regulation	regulation	NOUN
afbr-2190	113	19	and	and	CCONJ
afbr-2190	113	20	deregulation	deregulation	NOUN
afbr-2190	113	21	regulatory	regulatory	ADJ
afbr-2190	113	22	framework	framework	NOUN
afbr-2190	113	23	:	:	PUNCT
afbr-2190	113	24	evolution	evolution	NOUN
afbr-2190	113	25	of	of	ADP
afbr-2190	113	26	banking	banking	NOUN
afbr-2190	113	27	regulations	regulation	NOUN
afbr-2190	113	28	,	,	PUNCT
afbr-2190	113	29	including	include	VERB
afbr-2190	113	30	the	the	DET
afbr-2190	113	31	establishment	establishment	NOUN
afbr-2190	113	32	of	of	ADP
afbr-2190	113	33	the	the	DET
afbr-2190	113	34	reserve	reserve	PROPN
afbr-2190	113	35	bank	bank	PROPN
afbr-2190	113	36	of	of	ADP
afbr-2190	113	37	australia	australia	PROPN
afbr-2190	113	38	(	(	PUNCT
afbr-2190	113	39	rba	rba	NOUN
afbr-2190	113	40	)	)	PUNCT
afbr-2190	113	41	and	and	CCONJ
afbr-2190	113	42	the	the	DET
afbr-2190	113	43	australian	australian	ADJ
afbr-2190	113	44	prudential	prudential	ADJ
afbr-2190	113	45	regulation	regulation	PROPN
afbr-2190	113	46	authority	authority	NOUN
afbr-2190	113	47	(	(	PUNCT
afbr-2190	113	48	apra	apra	ADJ
afbr-2190	113	49	)	)	PUNCT
afbr-2190	113	50	.	.	PUNCT
afbr-2190	114	1	the	the	DET
afbr-2190	114	2	evolution	evolution	NOUN
afbr-2190	114	3	of	of	ADP
afbr-2190	114	4	the	the	DET
afbr-2190	114	5	regulatory	regulatory	ADJ
afbr-2190	114	6	framework	framework	NOUN
afbr-2190	114	7	governing	govern	VERB
afbr-2190	114	8	the	the	DET
afbr-2190	114	9	australian	australian	ADJ
afbr-2190	114	10	banking	banking	NOUN
afbr-2190	114	11	sector	sector	NOUN
afbr-2190	114	12	is	be	AUX
afbr-2190	114	13	a	a	DET
afbr-2190	114	14	testament	testament	NOUN
afbr-2190	114	15	to	to	ADP
afbr-2190	114	16	the	the	DET
afbr-2190	114	17	dynamic	dynamic	ADJ
afbr-2190	114	18	interplay	interplay	NOUN
afbr-2190	114	19	between	between	ADP
afbr-2190	114	20	economic	economic	ADJ
afbr-2190	114	21	developments	development	NOUN
afbr-2190	114	22	,	,	PUNCT
afbr-2190	114	23	financial	financial	ADJ
afbr-2190	114	24	stability	stability	NOUN
afbr-2190	114	25	objectives	objective	NOUN
afbr-2190	114	26	,	,	PUNCT
afbr-2190	114	27	and	and	CCONJ
afbr-2190	114	28	the	the	DET
afbr-2190	114	29	need	need	NOUN
afbr-2190	114	30	for	for	ADP
afbr-2190	114	31	effective	effective	ADJ
afbr-2190	114	32	regulatory	regulatory	ADJ
afbr-2190	114	33	oversight	oversight	NOUN
afbr-2190	114	34	.	.	PUNCT
afbr-2190	115	1	over	over	ADP
afbr-2190	115	2	the	the	DET
afbr-2190	115	3	years	year	NOUN
afbr-2190	115	4	,	,	PUNCT
afbr-2190	115	5	the	the	DET
afbr-2190	115	6	regulatory	regulatory	ADJ
afbr-2190	115	7	landscape	landscape	NOUN
afbr-2190	115	8	has	have	AUX
afbr-2190	115	9	undergone	undergo	VERB
afbr-2190	115	10	significant	significant	ADJ
afbr-2190	115	11	transformations	transformation	NOUN
afbr-2190	115	12	,	,	PUNCT
afbr-2190	115	13	marked	mark	VERB
afbr-2190	115	14	by	by	ADP
afbr-2190	115	15	the	the	DET
afbr-2190	115	16	establishment	establishment	NOUN
afbr-2190	115	17	of	of	ADP
afbr-2190	115	18	key	key	ADJ
afbr-2190	115	19	regulatory	regulatory	ADJ
afbr-2190	115	20	bodies	body	NOUN
afbr-2190	115	21	such	such	ADJ
afbr-2190	115	22	as	as	ADP
afbr-2190	115	23	the	the	DET
afbr-2190	115	24	reserve	reserve	PROPN
afbr-2190	115	25	bank	bank	PROPN
afbr-2190	115	26	of	of	ADP
afbr-2190	115	27	australia	australia	PROPN
afbr-2190	115	28	(	(	PUNCT
afbr-2190	115	29	rba	rba	NOUN
afbr-2190	115	30	)	)	PUNCT
afbr-2190	115	31	and	and	CCONJ
afbr-2190	115	32	the	the	DET
afbr-2190	115	33	australian	australian	ADJ
afbr-2190	115	34	prudential	prudential	ADJ
afbr-2190	115	35	regulation	regulation	PROPN
afbr-2190	115	36	authority	authority	NOUN
afbr-2190	115	37	(	(	PUNCT
afbr-2190	115	38	apra	apra	ADJ
afbr-2190	115	39	)	)	PUNCT
afbr-2190	115	40	.	.	PUNCT
afbr-2190	116	1	early	early	ADJ
afbr-2190	116	2	regulatory	regulatory	ADJ
afbr-2190	116	3	framework	framework	NOUN
afbr-2190	116	4			PUNCT
afbr-2190	116	5	in	in	ADP
afbr-2190	116	6	the	the	DET
afbr-2190	116	7	early	early	ADJ
afbr-2190	116	8	colonial	colonial	ADJ
afbr-2190	116	9	period	period	NOUN
afbr-2190	116	10	,	,	PUNCT
afbr-2190	116	11	banking	banking	NOUN
afbr-2190	116	12	regulations	regulation	NOUN
afbr-2190	116	13	were	be	AUX
afbr-2190	116	14	minimal	minimal	ADJ
afbr-2190	116	15	,	,	PUNCT
afbr-2190	116	16	and	and	CCONJ
afbr-2190	116	17	regulatory	regulatory	ADJ
afbr-2190	116	18	oversight	oversight	NOUN
afbr-2190	116	19	was	be	AUX
afbr-2190	116	20	limited	limit	VERB
afbr-2190	116	21	.	.	PUNCT
afbr-2190	117	1	banks	bank	NOUN
afbr-2190	117	2	operated	operate	VERB
afbr-2190	117	3	under	under	ADP
afbr-2190	117	4	a	a	DET
afbr-2190	117	5	laissez	laissez	NOUN
afbr-2190	117	6	-	-	PUNCT
afbr-2190	117	7	faire	faire	X
afbr-2190	117	8	regulatory	regulatory	ADJ
afbr-2190	117	9	environment	environment	NOUN
afbr-2190	117	10	,	,	PUNCT
afbr-2190	117	11	with	with	ADP
afbr-2190	117	12	little	little	ADJ
afbr-2190	117	13	formal	formal	ADJ
afbr-2190	117	14	supervision	supervision	NOUN
afbr-2190	117	15	from	from	ADP
afbr-2190	117	16	colonial	colonial	ADJ
afbr-2190	117	17	authorities	authority	NOUN
afbr-2190	117	18	.	.	PUNCT
afbr-2190	118	1			X
afbr-2190	119	1	the	the	DET
afbr-2190	119	2	absence	absence	NOUN
afbr-2190	119	3	of	of	ADP
afbr-2190	119	4	comprehensive	comprehensive	ADJ
afbr-2190	119	5	regulatory	regulatory	ADJ
afbr-2190	119	6	framework	framework	NOUN
afbr-2190	119	7	left	leave	VERB
afbr-2190	119	8	banks	bank	NOUN
afbr-2190	119	9	vulnerable	vulnerable	ADJ
afbr-2190	119	10	to	to	ADP
afbr-2190	119	11	risks	risk	NOUN
afbr-2190	119	12	such	such	ADJ
afbr-2190	119	13	as	as	ADP
afbr-2190	119	14	insolvency	insolvency	NOUN
afbr-2190	119	15	,	,	PUNCT
afbr-2190	119	16	fraud	fraud	NOUN
afbr-2190	119	17	,	,	PUNCT
afbr-2190	119	18	and	and	CCONJ
afbr-2190	119	19	inadequate	inadequate	ADJ
afbr-2190	119	20	capitalization	capitalization	NOUN
afbr-2190	119	21	,	,	PUNCT
afbr-2190	119	22	leading	lead	VERB
afbr-2190	119	23	to	to	ADP
afbr-2190	119	24	occasional	occasional	ADJ
afbr-2190	119	25	banking	banking	NOUN
afbr-2190	119	26	crises	crisis	NOUN
afbr-2190	119	27	and	and	CCONJ
afbr-2190	119	28	depositor	depositor	NOUN
afbr-2190	119	29	losses	loss	NOUN
afbr-2190	119	30	.	.	PUNCT
afbr-2190	120	1	establishment	establishment	NOUN
afbr-2190	120	2	of	of	ADP
afbr-2190	120	3	the	the	DET
afbr-2190	120	4	reserve	reserve	PROPN
afbr-2190	120	5	bank	bank	PROPN
afbr-2190	120	6	of	of	ADP
afbr-2190	120	7	australia	australia	PROPN
afbr-2190	120	8	(	(	PUNCT
afbr-2190	120	9	rba	rba	PROPN
afbr-2190	120	10	)	)	PUNCT
afbr-2190	120	11			PART
afbr-2190	121	1	the	the	DET
afbr-2190	121	2	reserve	reserve	PROPN
afbr-2190	121	3	bank	bank	PROPN
afbr-2190	121	4	act	act	PROPN
afbr-2190	121	5	of	of	ADP
afbr-2190	121	6	1959	1959	NUM
afbr-2190	121	7	marked	mark	VERB
afbr-2190	121	8	a	a	DET
afbr-2190	121	9	significant	significant	ADJ
afbr-2190	121	10	milestone	milestone	NOUN
afbr-2190	121	11	in	in	ADP
afbr-2190	121	12	the	the	DET
afbr-2190	121	13	evolution	evolution	NOUN
afbr-2190	121	14	of	of	ADP
afbr-2190	121	15	australian	australian	ADJ
afbr-2190	121	16	banking	banking	NOUN
afbr-2190	121	17	regulation	regulation	NOUN
afbr-2190	121	18	with	with	ADP
afbr-2190	121	19	the	the	DET
afbr-2190	121	20	establishment	establishment	NOUN
afbr-2190	121	21	of	of	ADP
afbr-2190	121	22	the	the	DET
afbr-2190	121	23	reserve	reserve	PROPN
afbr-2190	121	24	bank	bank	PROPN
afbr-2190	121	25	of	of	ADP
afbr-2190	121	26	australia	australia	PROPN
afbr-2190	121	27	(	(	PUNCT
afbr-2190	121	28	rba	rba	NOUN
afbr-2190	121	29	)	)	PUNCT
afbr-2190	121	30	as	as	ADP
afbr-2190	121	31	the	the	DET
afbr-2190	121	32	nation	nation	NOUN
afbr-2190	121	33	's	's	PART
afbr-2190	121	34	central	central	ADJ
afbr-2190	121	35	bank	bank	NOUN
afbr-2190	121	36	.	.	PUNCT
afbr-2190	122	1			PUNCT
afbr-2190	123	1	the	the	DET
afbr-2190	123	2	rba	rba	NOUN
afbr-2190	123	3	was	be	AUX
afbr-2190	123	4	tasked	task	VERB
afbr-2190	123	5	with	with	ADP
afbr-2190	123	6	a	a	DET
afbr-2190	123	7	dual	dual	ADJ
afbr-2190	123	8	mandate	mandate	NOUN
afbr-2190	123	9	of	of	ADP
afbr-2190	123	10	maintaining	maintain	VERB
afbr-2190	123	11	price	price	NOUN
afbr-2190	123	12	stability	stability	NOUN
afbr-2190	123	13	and	and	CCONJ
afbr-2190	123	14	promoting	promote	VERB
afbr-2190	123	15	full	full	ADJ
afbr-2190	123	16	employment	employment	NOUN
afbr-2190	123	17	,	,	PUNCT
afbr-2190	123	18	thereby	thereby	ADV
afbr-2190	123	19	becoming	become	VERB
afbr-2190	123	20	the	the	DET
afbr-2190	123	21	primary	primary	ADJ
afbr-2190	123	22	authority	authority	NOUN
afbr-2190	123	23	responsible	responsible	ADJ
afbr-2190	123	24	for	for	ADP
afbr-2190	123	25	monetary	monetary	ADJ
afbr-2190	123	26	policy	policy	NOUN
afbr-2190	123	27	formulation	formulation	NOUN
afbr-2190	123	28	and	and	CCONJ
afbr-2190	123	29	implementation	implementation	NOUN
afbr-2190	123	30	.	.	PUNCT
afbr-2190	124	1			X
afbr-2190	125	1	as	as	ADP
afbr-2190	125	2	the	the	DET
afbr-2190	125	3	central	central	ADJ
afbr-2190	125	4	bank	bank	NOUN
afbr-2190	125	5	,	,	PUNCT
afbr-2190	125	6	the	the	DET
afbr-2190	125	7	rba	rba	NOUN
afbr-2190	125	8	was	be	AUX
afbr-2190	125	9	granted	grant	VERB
afbr-2190	125	10	regulatory	regulatory	ADJ
afbr-2190	125	11	powers	power	NOUN
afbr-2190	125	12	over	over	ADP
afbr-2190	125	13	key	key	ADJ
afbr-2190	125	14	aspects	aspect	NOUN
afbr-2190	125	15	of	of	ADP
afbr-2190	125	16	the	the	DET
afbr-2190	125	17	financial	financial	ADJ
afbr-2190	125	18	system	system	NOUN
afbr-2190	125	19	,	,	PUNCT
afbr-2190	125	20	including	include	VERB
afbr-2190	125	21	currency	currency	NOUN
afbr-2190	125	22	issuance	issuance	NOUN
afbr-2190	125	23	,	,	PUNCT
afbr-2190	125	24	monetary	monetary	ADJ
afbr-2190	125	25	operations	operation	NOUN
afbr-2190	125	26	,	,	PUNCT
afbr-2190	125	27	and	and	CCONJ
afbr-2190	125	28	oversight	oversight	NOUN
afbr-2190	125	29	of	of	ADP
afbr-2190	125	30	payment	payment	NOUN
afbr-2190	125	31	systems	system	NOUN
afbr-2190	125	32	.	.	PUNCT
afbr-2190	126	1	banking	banking	NOUN
afbr-2190	126	2	sector	sector	NOUN
afbr-2190	126	3	reforms	reform	NOUN
afbr-2190	126	4			X
afbr-2190	126	5	the	the	DET
afbr-2190	126	6	1980s	1980	NOUN
afbr-2190	126	7	and	and	CCONJ
afbr-2190	126	8	1990s	1990	NOUN
afbr-2190	126	9	witnessed	witness	VERB
afbr-2190	126	10	a	a	DET
afbr-2190	126	11	series	series	NOUN
afbr-2190	126	12	of	of	ADP
afbr-2190	126	13	banking	banking	NOUN
afbr-2190	126	14	sector	sector	NOUN
afbr-2190	126	15	reforms	reform	NOUN
afbr-2190	126	16	aimed	aim	VERB
afbr-2190	126	17	at	at	ADP
afbr-2190	126	18	liberalizing	liberalize	VERB
afbr-2190	126	19	the	the	DET
afbr-2190	126	20	financial	financial	ADJ
afbr-2190	126	21	system	system	NOUN
afbr-2190	126	22	,	,	PUNCT
afbr-2190	126	23	promoting	promote	VERB
afbr-2190	126	24	competition	competition	NOUN
afbr-2190	126	25	,	,	PUNCT
afbr-2190	126	26	and	and	CCONJ
afbr-2190	126	27	enhancing	enhance	VERB
afbr-2190	126	28	efficiency	efficiency	NOUN
afbr-2190	126	29	.	.	PUNCT
afbr-2190	127	1			X
afbr-2190	128	1	key	key	ADJ
afbr-2190	128	2	reforms	reform	NOUN
afbr-2190	128	3	included	include	VERB
afbr-2190	128	4	the	the	DET
afbr-2190	128	5	deregulation	deregulation	NOUN
afbr-2190	128	6	of	of	ADP
afbr-2190	128	7	interest	interest	NOUN
afbr-2190	128	8	rates	rate	NOUN
afbr-2190	128	9	,	,	PUNCT
afbr-2190	128	10	the	the	DET
afbr-2190	128	11	removal	removal	NOUN
afbr-2190	128	12	of	of	ADP
afbr-2190	128	13	restrictions	restriction	NOUN
afbr-2190	128	14	on	on	ADP
afbr-2190	128	15	bank	bank	NOUN
afbr-2190	128	16	branching	branch	VERB
afbr-2190	128	17	and	and	CCONJ
afbr-2190	128	18	foreign	foreign	ADJ
afbr-2190	128	19	ownership	ownership	NOUN
afbr-2190	128	20	,	,	PUNCT
afbr-2190	128	21	and	and	CCONJ
afbr-2190	128	22	the	the	DET
afbr-2190	128	23	introduction	introduction	NOUN
afbr-2190	128	24	of	of	ADP
afbr-2190	128	25	prudential	prudential	ADJ
afbr-2190	128	26	standards	standard	NOUN
afbr-2190	128	27	to	to	PART
afbr-2190	128	28	strengthen	strengthen	VERB
afbr-2190	128	29	risk	risk	NOUN
afbr-2190	128	30	management	management	NOUN
afbr-2190	128	31	practices	practice	NOUN
afbr-2190	128	32	.	.	PUNCT
afbr-2190	129	1			VERB
afbr-2190	130	1	these	these	DET
afbr-2190	130	2	reforms	reform	NOUN
afbr-2190	130	3	paved	pave	VERB
afbr-2190	130	4	the	the	DET
afbr-2190	130	5	way	way	NOUN
afbr-2190	130	6	for	for	ADP
afbr-2190	130	7	increased	increase	VERB
afbr-2190	130	8	competition	competition	NOUN
afbr-2190	130	9	,	,	PUNCT
afbr-2190	130	10	innovation	innovation	NOUN
afbr-2190	130	11	,	,	PUNCT
afbr-2190	130	12	and	and	CCONJ
afbr-2190	130	13	globalization	globalization	NOUN
afbr-2190	130	14	within	within	ADP
afbr-2190	130	15	the	the	DET
afbr-2190	130	16	australian	australian	ADJ
afbr-2190	130	17	banking	banking	NOUN
afbr-2190	130	18	sector	sector	NOUN
afbr-2190	130	19	,	,	PUNCT
afbr-2190	130	20	leading	lead	VERB
afbr-2190	130	21	to	to	ADP
afbr-2190	130	22	the	the	DET
afbr-2190	130	23	entry	entry	NOUN
afbr-2190	130	24	of	of	ADP
afbr-2190	130	25	foreign	foreign	ADJ
afbr-2190	130	26	banks	bank	NOUN
afbr-2190	130	27	,	,	PUNCT
afbr-2190	130	28	the	the	DET
afbr-2190	130	29	emergence	emergence	NOUN
afbr-2190	130	30	of	of	ADP
afbr-2190	130	31	non	non	ADJ
afbr-2190	130	32	-	-	ADJ
afbr-2190	130	33	bank	bank	ADJ
afbr-2190	130	34	financial	financial	ADJ
afbr-2190	130	35	institutions	institution	NOUN
afbr-2190	130	36	,	,	PUNCT
afbr-2190	130	37	and	and	CCONJ
afbr-2190	130	38	the	the	DET
afbr-2190	130	39	adoption	adoption	NOUN
afbr-2190	130	40	of	of	ADP
afbr-2190	130	41	new	new	ADJ
afbr-2190	130	42	technologies	technology	NOUN
afbr-2190	130	43	.	.	PUNCT
afbr-2190	131	1	establishment	establishment	NOUN
afbr-2190	131	2	of	of	ADP
afbr-2190	131	3	the	the	DET
afbr-2190	131	4	australian	australian	ADJ
afbr-2190	131	5	prudential	prudential	ADJ
afbr-2190	131	6	regulation	regulation	PROPN
afbr-2190	131	7	authority	authority	NOUN
afbr-2190	131	8	(	(	PUNCT
afbr-2190	131	9	apra	apra	ADJ
afbr-2190	131	10	)	)	PUNCT
afbr-2190	131	11			NOUN
afbr-2190	132	1	in	in	ADP
afbr-2190	132	2	response	response	NOUN
afbr-2190	132	3	to	to	ADP
afbr-2190	132	4	the	the	DET
afbr-2190	132	5	banking	banking	NOUN
afbr-2190	132	6	and	and	CCONJ
afbr-2190	132	7	financial	financial	ADJ
afbr-2190	132	8	sector	sector	NOUN
afbr-2190	132	9	challenges	challenge	NOUN
afbr-2190	132	10	of	of	ADP
afbr-2190	132	11	the	the	DET
afbr-2190	132	12	1980s	1980	NOUN
afbr-2190	132	13	and	and	CCONJ
afbr-2190	132	14	1990s	1990s	NUM
afbr-2190	132	15	,	,	PUNCT
afbr-2190	132	16	the	the	DET
afbr-2190	132	17	australian	australian	ADJ
afbr-2190	132	18	government	government	NOUN
afbr-2190	132	19	established	establish	VERB
afbr-2190	132	20	the	the	DET
afbr-2190	132	21	australian	australian	ADJ
afbr-2190	132	22	prudential	prudential	ADJ
afbr-2190	132	23	regulation	regulation	NOUN
afbr-2190	132	24	authority	authority	NOUN
afbr-2190	132	25	(	(	PUNCT
afbr-2190	132	26	apra	apra	ADJ
afbr-2190	132	27	)	)	PUNCT
afbr-2190	132	28	in	in	ADP
afbr-2190	132	29	1998	1998	NUM
afbr-2190	132	30	.	.	PUNCT
afbr-2190	133	1			PROPN
afbr-2190	133	2	apra	apra	PROPN
afbr-2190	133	3	was	be	AUX
afbr-2190	133	4	entrusted	entrust	VERB
afbr-2190	133	5	with	with	ADP
afbr-2190	133	6	the	the	DET
afbr-2190	133	7	responsibility	responsibility	NOUN
afbr-2190	133	8	of	of	ADP
afbr-2190	133	9	regulating	regulate	VERB
afbr-2190	133	10	and	and	CCONJ
afbr-2190	133	11	supervising	supervise	VERB
afbr-2190	133	12	the	the	DET
afbr-2190	133	13	banking	banking	NOUN
afbr-2190	133	14	,	,	PUNCT
afbr-2190	133	15	insurance	insurance	NOUN
afbr-2190	133	16	,	,	PUNCT
afbr-2190	133	17	and	and	CCONJ
afbr-2190	133	18	superannuation	superannuation	NOUN
afbr-2190	133	19	industries	industry	NOUN
afbr-2190	133	20	to	to	PART
afbr-2190	133	21	ensure	ensure	VERB
afbr-2190	133	22	their	their	PRON
afbr-2190	133	23	safety	safety	NOUN
afbr-2190	133	24	,	,	PUNCT
afbr-2190	133	25	soundness	soundness	NOUN
afbr-2190	133	26	,	,	PUNCT
afbr-2190	133	27	and	and	CCONJ
afbr-2190	133	28	stability	stability	NOUN
afbr-2190	133	29	.	.	PUNCT
afbr-2190	134	1			PART
afbr-2190	135	1	apra	apra	PROPN
afbr-2190	135	2	's	's	PART
afbr-2190	135	3	regulatory	regulatory	ADJ
afbr-2190	135	4	mandate	mandate	NOUN
afbr-2190	135	5	includes	include	VERB
afbr-2190	135	6	prudential	prudential	ADJ
afbr-2190	135	7	supervision	supervision	NOUN
afbr-2190	135	8	,	,	PUNCT
afbr-2190	135	9	risk	risk	NOUN
afbr-2190	135	10	assessment	assessment	NOUN
afbr-2190	135	11	,	,	PUNCT
afbr-2190	135	12	enforcement	enforcement	NOUN
afbr-2190	135	13	of	of	ADP
afbr-2190	135	14	prudential	prudential	ADJ
afbr-2190	135	15	standards	standard	NOUN
afbr-2190	135	16	,	,	PUNCT
afbr-2190	135	17	and	and	CCONJ
afbr-2190	135	18	resolution	resolution	NOUN
afbr-2190	135	19	of	of	ADP
afbr-2190	135	20	financial	financial	ADJ
afbr-2190	135	21	institution	institution	NOUN
afbr-2190	135	22	failures	failure	NOUN
afbr-2190	135	23	.	.	PUNCT
afbr-2190	136	1	ongoing	ongoing	ADJ
afbr-2190	136	2	regulatory	regulatory	ADJ
afbr-2190	136	3	reforms	reform	NOUN
afbr-2190	136	4			VERB
afbr-2190	136	5	in	in	ADP
afbr-2190	136	6	the	the	DET
afbr-2190	136	7	aftermath	aftermath	NOUN
afbr-2190	136	8	of	of	ADP
afbr-2190	136	9	the	the	DET
afbr-2190	136	10	global	global	ADJ
afbr-2190	136	11	financial	financial	ADJ
afbr-2190	136	12	crisis	crisis	NOUN
afbr-2190	136	13	(	(	PUNCT
afbr-2190	136	14	gfc	gfc	NOUN
afbr-2190	136	15	)	)	PUNCT
afbr-2190	136	16	of	of	ADP
afbr-2190	136	17	2008	2008	NUM
afbr-2190	136	18	,	,	PUNCT
afbr-2190	136	19	there	there	PRON
afbr-2190	136	20	has	have	AUX
afbr-2190	136	21	been	be	AUX
afbr-2190	136	22	renewed	renew	VERB
afbr-2190	136	23	focus	focus	NOUN
afbr-2190	136	24	on	on	ADP
afbr-2190	136	25	strengthening	strengthen	VERB
afbr-2190	136	26	financial	financial	ADJ
afbr-2190	136	27	regulation	regulation	NOUN
afbr-2190	136	28	and	and	CCONJ
afbr-2190	136	29	enhancing	enhance	VERB
afbr-2190	136	30	systemic	systemic	ADJ
afbr-2190	136	31	resilience	resilience	NOUN
afbr-2190	136	32	.	.	PUNCT
afbr-2190	137	1			PART
afbr-2190	138	1	regulatory	regulatory	ADJ
afbr-2190	138	2	reforms	reform	NOUN
afbr-2190	138	3	introduced	introduce	VERB
afbr-2190	138	4	post	post	ADJ
afbr-2190	138	5	-	-	ADJ
afbr-2190	138	6	gfc	gfc	NOUN
afbr-2190	138	7	include	include	VERB
afbr-2190	138	8	measures	measure	NOUN
afbr-2190	138	9	to	to	PART
afbr-2190	138	10	improve	improve	VERB
afbr-2190	138	11	capital	capital	NOUN
afbr-2190	138	12	adequacy	adequacy	NOUN
afbr-2190	138	13	,	,	PUNCT
afbr-2190	138	14	enhance	enhance	VERB
afbr-2190	138	15	risk	risk	NOUN
afbr-2190	138	16	management	management	NOUN
afbr-2190	138	17	practices	practice	NOUN
afbr-2190	138	18	,	,	PUNCT
afbr-2190	138	19	and	and	CCONJ
afbr-2190	138	20	bolster	bolster	VERB
afbr-2190	138	21	crisis	crisis	NOUN
afbr-2190	138	22	management	management	NOUN
afbr-2190	138	23	frameworks	framework	NOUN
afbr-2190	138	24	to	to	PART
afbr-2190	138	25	mitigate	mitigate	VERB
afbr-2190	138	26	systemic	systemic	ADJ
afbr-2190	138	27	risks	risk	NOUN
afbr-2190	138	28	and	and	CCONJ
afbr-2190	138	29	safeguard	safeguard	VERB
afbr-2190	138	30	financial	financial	ADJ
afbr-2190	138	31	stability	stability	NOUN
afbr-2190	138	32	.	.	PUNCT
afbr-2190	139	1	in	in	ADP
afbr-2190	139	2	conclusion	conclusion	NOUN
afbr-2190	139	3	,	,	PUNCT
afbr-2190	139	4	the	the	DET
afbr-2190	139	5	evolution	evolution	NOUN
afbr-2190	139	6	of	of	ADP
afbr-2190	139	7	banking	banking	NOUN
afbr-2190	139	8	regulations	regulation	NOUN
afbr-2190	139	9	in	in	ADP
afbr-2190	139	10	australia	australia	PROPN
afbr-2190	139	11	reflects	reflect	VERB
afbr-2190	139	12	a	a	DET
afbr-2190	139	13	trajectory	trajectory	NOUN
afbr-2190	139	14	of	of	ADP
afbr-2190	139	15	increasing	increase	VERB
afbr-2190	139	16	sophistication	sophistication	NOUN
afbr-2190	139	17	,	,	PUNCT
afbr-2190	139	18	from	from	ADP
afbr-2190	139	19	the	the	DET
afbr-2190	139	20	early	early	ADJ
afbr-2190	139	21	days	day	NOUN
afbr-2190	139	22	of	of	ADP
afbr-2190	139	23	laissez	laissez	NOUN
afbr-2190	139	24	-	-	PUNCT
afbr-2190	139	25	faire	faire	X
afbr-2190	139	26	regulation	regulation	NOUN
afbr-2190	139	27	to	to	ADP
afbr-2190	139	28	the	the	DET
afbr-2190	139	29	establishment	establishment	NOUN
afbr-2190	139	30	of	of	ADP
afbr-2190	139	31	robust	robust	ADJ
afbr-2190	139	32	regulatory	regulatory	ADJ
afbr-2190	139	33	frameworks	framework	NOUN
afbr-2190	139	34	overseen	oversee	VERB
afbr-2190	139	35	by	by	ADP
afbr-2190	139	36	institutions	institution	NOUN
afbr-2190	139	37	such	such	ADJ
afbr-2190	139	38	as	as	ADP
afbr-2190	139	39	the	the	DET
afbr-2190	139	40	rba	rba	NOUN
afbr-2190	139	41	and	and	CCONJ
afbr-2190	139	42	apra	apra	NOUN
afbr-2190	139	43	.	.	PUNCT
afbr-2190	140	1	as	as	SCONJ
afbr-2190	140	2	the	the	DET
afbr-2190	140	3	banking	banking	NOUN
afbr-2190	140	4	sector	sector	NOUN
afbr-2190	140	5	continues	continue	VERB
afbr-2190	140	6	to	to	PART
afbr-2190	140	7	evolve	evolve	VERB
afbr-2190	140	8	in	in	ADP
afbr-2190	140	9	response	response	NOUN
afbr-2190	140	10	to	to	ADP
afbr-2190	140	11	emerging	emerge	VERB
afbr-2190	140	12	risks	risk	NOUN
afbr-2190	140	13	and	and	CCONJ
afbr-2190	140	14	market	market	NOUN
afbr-2190	140	15	dynamics	dynamic	NOUN
afbr-2190	140	16	,	,	PUNCT
afbr-2190	140	17	regulatory	regulatory	ADJ
afbr-2190	140	18	authorities	authority	NOUN
afbr-2190	140	19	play	play	VERB
afbr-2190	140	20	a	a	DET
afbr-2190	140	21	critical	critical	ADJ
afbr-2190	140	22	role	role	NOUN
afbr-2190	140	23	in	in	ADP
afbr-2190	140	24	ensuring	ensure	VERB
afbr-2190	140	25	the	the	DET
afbr-2190	140	26	safety	safety	NOUN
afbr-2190	140	27	,	,	PUNCT
afbr-2190	140	28	stability	stability	NOUN
afbr-2190	140	29	,	,	PUNCT
afbr-2190	140	30	and	and	CCONJ
afbr-2190	140	31	integrity	integrity	NOUN
afbr-2190	140	32	of	of	ADP
afbr-2190	140	33	the	the	DET
afbr-2190	140	34	financial	financial	ADJ
afbr-2190	140	35	syst	syst	NOUN
afbr-2190	140	36	deregulation	deregulation	NOUN
afbr-2190	140	37	and	and	CCONJ
afbr-2190	140	38	liberalization	liberalization	NOUN
afbr-2190	140	39	:	:	PUNCT
afbr-2190	140	40	reforms	reform	NOUN
afbr-2190	140	41	in	in	ADP
afbr-2190	140	42	the	the	DET
afbr-2190	140	43	1980s	1980	NOUN
afbr-2190	140	44	and	and	CCONJ
afbr-2190	140	45	1990s	1990	NOUN
afbr-2190	140	46	leading	lead	VERB
afbr-2190	140	47	to	to	ADP
afbr-2190	140	48	increased	increase	VERB
afbr-2190	140	49	competition	competition	NOUN
afbr-2190	140	50	,	,	PUNCT
afbr-2190	140	51	innovation	innovation	NOUN
afbr-2190	140	52	,	,	PUNCT
afbr-2190	140	53	and	and	CCONJ
afbr-2190	140	54	globalization	globalization	NOUN
afbr-2190	140	55	.	.	PUNCT
afbr-2190	141	1	the	the	DET
afbr-2190	141	2	1980s	1980	NOUN
afbr-2190	141	3	and	and	CCONJ
afbr-2190	141	4	1990s	1990	NOUN
afbr-2190	141	5	marked	mark	VERB
afbr-2190	141	6	a	a	DET
afbr-2190	141	7	period	period	NOUN
afbr-2190	141	8	of	of	ADP
afbr-2190	141	9	significant	significant	ADJ
afbr-2190	141	10	deregulation	deregulation	NOUN
afbr-2190	141	11	and	and	CCONJ
afbr-2190	141	12	liberalization	liberalization	NOUN
afbr-2190	141	13	in	in	ADP
afbr-2190	141	14	the	the	DET
afbr-2190	141	15	australian	australian	ADJ
afbr-2190	141	16	banking	banking	NOUN
afbr-2190	141	17	sector	sector	NOUN
afbr-2190	141	18	,	,	PUNCT
afbr-2190	141	19	characterized	characterize	VERB
afbr-2190	141	20	by	by	ADP
afbr-2190	141	21	sweeping	sweeping	ADJ
afbr-2190	141	22	reforms	reform	NOUN
afbr-2190	141	23	aimed	aim	VERB
afbr-2190	141	24	at	at	ADP
afbr-2190	141	25	dismantling	dismantle	VERB
afbr-2190	141	26	regulatory	regulatory	ADJ
afbr-2190	141	27	barriers	barrier	NOUN
afbr-2190	141	28	,	,	PUNCT
afbr-2190	141	29	fostering	foster	VERB
afbr-2190	141	30	competition	competition	NOUN
afbr-2190	141	31	,	,	PUNCT
afbr-2190	141	32	promoting	promote	VERB
afbr-2190	141	33	innovation	innovation	NOUN
afbr-2190	141	34	,	,	PUNCT
afbr-2190	141	35	and	and	CCONJ
afbr-2190	141	36	embracing	embrace	VERB
afbr-2190	141	37	globalization	globalization	NOUN
afbr-2190	141	38	.	.	PUNCT
afbr-2190	142	1	these	these	DET
afbr-2190	142	2	reforms	reform	NOUN
afbr-2190	142	3	transformed	transform	VERB
afbr-2190	142	4	the	the	DET
afbr-2190	142	5	banking	banking	NOUN
afbr-2190	142	6	landscape	landscape	NOUN
afbr-2190	142	7	,	,	PUNCT
afbr-2190	142	8	ushering	usher	VERB
afbr-2190	142	9	in	in	ADP
afbr-2190	142	10	a	a	DET
afbr-2190	142	11	new	new	ADJ
afbr-2190	142	12	era	era	NOUN
afbr-2190	142	13	of	of	ADP
afbr-2190	142	14	dynamism	dynamism	NOUN
afbr-2190	142	15	and	and	CCONJ
afbr-2190	142	16	growth	growth	NOUN
afbr-2190	142	17	.	.	PUNCT
afbr-2190	143	1	jakaria	jakaria	PROPN
afbr-2190	143	2	,	,	PUNCT
afbr-2190	143	3	australian	australian	ADJ
afbr-2190	143	4	finance	finance	NOUN
afbr-2190	143	5	&	&	CCONJ
afbr-2190	143	6	banking	banking	PROPN
afbr-2190	143	7	review	review	NOUN
afbr-2190	143	8	7(1	7(1	NUM
afbr-2190	143	9	)	)	PUNCT
afbr-2190	143	10	(	(	PUNCT
afbr-2190	143	11	2023	2023	NUM
afbr-2190	143	12	)	)	PUNCT
afbr-2190	143	13	,	,	PUNCT
afbr-2190	143	14	9	9	NUM
afbr-2190	143	15	-	-	SYM
afbr-2190	143	16	29	29	NUM
afbr-2190	143	17	14	14	NUM
afbr-2190	143	18	deregulation	deregulation	NOUN
afbr-2190	143	19	of	of	ADP
afbr-2190	143	20	interest	interest	NOUN
afbr-2190	143	21	rates	rate	NOUN
afbr-2190	143	22			VERB
afbr-2190	143	23	prior	prior	ADV
afbr-2190	143	24	to	to	ADP
afbr-2190	143	25	the	the	DET
afbr-2190	143	26	reforms	reform	NOUN
afbr-2190	143	27	of	of	ADP
afbr-2190	143	28	the	the	DET
afbr-2190	143	29	1980s	1980	NOUN
afbr-2190	143	30	,	,	PUNCT
afbr-2190	143	31	interest	interest	NOUN
afbr-2190	143	32	rates	rate	NOUN
afbr-2190	143	33	in	in	ADP
afbr-2190	143	34	australia	australia	PROPN
afbr-2190	143	35	were	be	AUX
afbr-2190	143	36	subject	subject	ADJ
afbr-2190	143	37	to	to	ADP
afbr-2190	143	38	strict	strict	ADJ
afbr-2190	143	39	regulatory	regulatory	ADJ
afbr-2190	143	40	controls	control	NOUN
afbr-2190	143	41	,	,	PUNCT
afbr-2190	143	42	with	with	ADP
afbr-2190	143	43	the	the	DET
afbr-2190	143	44	government	government	NOUN
afbr-2190	143	45	setting	set	VERB
afbr-2190	143	46	caps	cap	NOUN
afbr-2190	143	47	on	on	ADP
afbr-2190	143	48	lending	lending	NOUN
afbr-2190	143	49	and	and	CCONJ
afbr-2190	143	50	deposit	deposit	NOUN
afbr-2190	143	51	rates	rate	NOUN
afbr-2190	143	52	.	.	PUNCT
afbr-2190	144	1			PART
afbr-2190	145	1	deregulation	deregulation	NOUN
afbr-2190	145	2	of	of	ADP
afbr-2190	145	3	interest	interest	NOUN
afbr-2190	145	4	rates	rate	NOUN
afbr-2190	145	5	,	,	PUNCT
afbr-2190	145	6	initiated	initiate	VERB
afbr-2190	145	7	in	in	ADP
afbr-2190	145	8	the	the	DET
afbr-2190	145	9	early	early	ADJ
afbr-2190	145	10	1980s	1980s	NUM
afbr-2190	145	11	,	,	PUNCT
afbr-2190	145	12	abolished	abolish	VERB
afbr-2190	145	13	these	these	DET
afbr-2190	145	14	controls	control	NOUN
afbr-2190	145	15	,	,	PUNCT
afbr-2190	145	16	allowing	allow	VERB
afbr-2190	145	17	banks	bank	NOUN
afbr-2190	145	18	to	to	PART
afbr-2190	145	19	determine	determine	VERB
afbr-2190	145	20	interest	interest	NOUN
afbr-2190	145	21	rates	rate	NOUN
afbr-2190	145	22	based	base	VERB
afbr-2190	145	23	on	on	ADP
afbr-2190	145	24	market	market	NOUN
afbr-2190	145	25	forces	force	NOUN
afbr-2190	145	26	.	.	PUNCT
afbr-2190	146	1			PUNCT
afbr-2190	147	1	this	this	DET
afbr-2190	147	2	deregulation	deregulation	NOUN
afbr-2190	147	3	led	lead	VERB
afbr-2190	147	4	to	to	ADP
afbr-2190	147	5	greater	great	ADJ
afbr-2190	147	6	pricing	pricing	NOUN
afbr-2190	147	7	flexibility	flexibility	NOUN
afbr-2190	147	8	,	,	PUNCT
afbr-2190	147	9	increased	increase	VERB
afbr-2190	147	10	competition	competition	NOUN
afbr-2190	147	11	,	,	PUNCT
afbr-2190	147	12	and	and	CCONJ
afbr-2190	147	13	improved	improve	VERB
afbr-2190	147	14	allocation	allocation	NOUN
afbr-2190	147	15	of	of	ADP
afbr-2190	147	16	credit	credit	NOUN
afbr-2190	147	17	,	,	PUNCT
afbr-2190	147	18	as	as	SCONJ
afbr-2190	147	19	banks	bank	NOUN
afbr-2190	147	20	were	be	AUX
afbr-2190	147	21	able	able	ADJ
afbr-2190	147	22	to	to	PART
afbr-2190	147	23	respond	respond	VERB
afbr-2190	147	24	more	more	ADV
afbr-2190	147	25	effectively	effectively	ADV
afbr-2190	147	26	to	to	ADP
afbr-2190	147	27	changes	change	NOUN
afbr-2190	147	28	in	in	ADP
afbr-2190	147	29	market	market	NOUN
afbr-2190	147	30	conditions	condition	NOUN
afbr-2190	147	31	and	and	CCONJ
afbr-2190	147	32	borrower	borrower	NOUN
afbr-2190	147	33	preferences	preference	NOUN
afbr-2190	147	34	.	.	PUNCT
afbr-2190	148	1	removal	removal	NOUN
afbr-2190	148	2	of	of	ADP
afbr-2190	148	3	branching	branch	VERB
afbr-2190	148	4	restrictions	restriction	NOUN
afbr-2190	148	5			VERB
afbr-2190	148	6	historically	historically	ADV
afbr-2190	148	7	,	,	PUNCT
afbr-2190	148	8	australian	australian	ADJ
afbr-2190	148	9	banks	bank	NOUN
afbr-2190	148	10	were	be	AUX
afbr-2190	148	11	subject	subject	ADJ
afbr-2190	148	12	to	to	ADP
afbr-2190	148	13	geographic	geographic	ADJ
afbr-2190	148	14	restrictions	restriction	NOUN
afbr-2190	148	15	on	on	ADP
afbr-2190	148	16	branching	branch	VERB
afbr-2190	148	17	,	,	PUNCT
afbr-2190	148	18	limiting	limit	VERB
afbr-2190	148	19	their	their	PRON
afbr-2190	148	20	ability	ability	NOUN
afbr-2190	148	21	to	to	PART
afbr-2190	148	22	expand	expand	VERB
afbr-2190	148	23	their	their	PRON
afbr-2190	148	24	branch	branch	NOUN
afbr-2190	148	25	networks	network	NOUN
afbr-2190	148	26	across	across	ADP
afbr-2190	148	27	state	state	NOUN
afbr-2190	148	28	borders	border	NOUN
afbr-2190	148	29	.	.	PUNCT
afbr-2190	149	1			PART
afbr-2190	150	1	reforms	reform	NOUN
afbr-2190	150	2	in	in	ADP
afbr-2190	150	3	the	the	DET
afbr-2190	150	4	1980s	1980	NOUN
afbr-2190	150	5	and	and	CCONJ
afbr-2190	150	6	1990s	1990	NOUN
afbr-2190	150	7	removed	remove	VERB
afbr-2190	150	8	these	these	DET
afbr-2190	150	9	restrictions	restriction	NOUN
afbr-2190	150	10	,	,	PUNCT
afbr-2190	150	11	allowing	allow	VERB
afbr-2190	150	12	banks	bank	NOUN
afbr-2190	150	13	to	to	PART
afbr-2190	150	14	establish	establish	VERB
afbr-2190	150	15	branches	branch	NOUN
afbr-2190	150	16	and	and	CCONJ
afbr-2190	150	17	operate	operate	VERB
afbr-2190	150	18	nationally	nationally	ADV
afbr-2190	150	19	.	.	PUNCT
afbr-2190	151	1			X
afbr-2190	152	1	this	this	DET
afbr-2190	152	2	liberalization	liberalization	NOUN
afbr-2190	152	3	of	of	ADP
afbr-2190	152	4	branching	branch	VERB
afbr-2190	152	5	rules	rule	NOUN
afbr-2190	152	6	promoted	promote	VERB
afbr-2190	152	7	competition	competition	NOUN
afbr-2190	152	8	by	by	ADP
afbr-2190	152	9	facilitating	facilitate	VERB
afbr-2190	152	10	the	the	DET
afbr-2190	152	11	entry	entry	NOUN
afbr-2190	152	12	of	of	ADP
afbr-2190	152	13	new	new	ADJ
afbr-2190	152	14	players	player	NOUN
afbr-2190	152	15	into	into	ADP
afbr-2190	152	16	previously	previously	ADV
afbr-2190	152	17	restricted	restrict	VERB
afbr-2190	152	18	markets	market	NOUN
afbr-2190	152	19	and	and	CCONJ
afbr-2190	152	20	providing	provide	VERB
afbr-2190	152	21	consumers	consumer	NOUN
afbr-2190	152	22	with	with	ADP
afbr-2190	152	23	greater	great	ADJ
afbr-2190	152	24	choice	choice	NOUN
afbr-2190	152	25	and	and	CCONJ
afbr-2190	152	26	access	access	NOUN
afbr-2190	152	27	to	to	ADP
afbr-2190	152	28	banking	banking	NOUN
afbr-2190	152	29	services	service	NOUN
afbr-2190	152	30	.	.	PUNCT
afbr-2190	153	1	foreign	foreign	ADJ
afbr-2190	153	2	bank	bank	PROPN
afbr-2190	153	3	entry	entry	NOUN
afbr-2190	153	4			VERB
afbr-2190	153	5	the	the	DET
afbr-2190	153	6	deregulation	deregulation	NOUN
afbr-2190	153	7	of	of	ADP
afbr-2190	153	8	foreign	foreign	ADJ
afbr-2190	153	9	bank	bank	NOUN
afbr-2190	153	10	entry	entry	NOUN
afbr-2190	153	11	in	in	ADP
afbr-2190	153	12	the	the	DET
afbr-2190	153	13	1980s	1980	NOUN
afbr-2190	153	14	opened	open	VERB
afbr-2190	153	15	the	the	DET
afbr-2190	153	16	australian	australian	ADJ
afbr-2190	153	17	banking	banking	NOUN
afbr-2190	153	18	market	market	NOUN
afbr-2190	153	19	to	to	ADP
afbr-2190	153	20	foreign	foreign	ADJ
afbr-2190	153	21	competition	competition	NOUN
afbr-2190	153	22	,	,	PUNCT
afbr-2190	153	23	paving	pave	VERB
afbr-2190	153	24	the	the	DET
afbr-2190	153	25	way	way	NOUN
afbr-2190	153	26	for	for	ADP
afbr-2190	153	27	the	the	DET
afbr-2190	153	28	entry	entry	NOUN
afbr-2190	153	29	of	of	ADP
afbr-2190	153	30	multinational	multinational	ADJ
afbr-2190	153	31	banks	bank	NOUN
afbr-2190	153	32	.	.	PUNCT
afbr-2190	154	1			PART
afbr-2190	155	1	foreign	foreign	ADJ
afbr-2190	155	2	banks	bank	NOUN
afbr-2190	155	3	brought	bring	VERB
afbr-2190	155	4	with	with	ADP
afbr-2190	155	5	them	they	PRON
afbr-2190	155	6	expertise	expertise	NOUN
afbr-2190	155	7	,	,	PUNCT
afbr-2190	155	8	technology	technology	NOUN
afbr-2190	155	9	,	,	PUNCT
afbr-2190	155	10	and	and	CCONJ
afbr-2190	155	11	global	global	ADJ
afbr-2190	155	12	networks	network	NOUN
afbr-2190	155	13	,	,	PUNCT
afbr-2190	155	14	injecting	inject	VERB
afbr-2190	155	15	new	new	ADJ
afbr-2190	155	16	ideas	idea	NOUN
afbr-2190	155	17	and	and	CCONJ
afbr-2190	155	18	innovation	innovation	NOUN
afbr-2190	155	19	into	into	ADP
afbr-2190	155	20	the	the	DET
afbr-2190	155	21	australian	australian	ADJ
afbr-2190	155	22	banking	banking	NOUN
afbr-2190	155	23	sector	sector	NOUN
afbr-2190	155	24	.	.	PUNCT
afbr-2190	156	1			PUNCT
afbr-2190	157	1	the	the	DET
afbr-2190	157	2	presence	presence	NOUN
afbr-2190	157	3	of	of	ADP
afbr-2190	157	4	foreign	foreign	ADJ
afbr-2190	157	5	banks	bank	NOUN
afbr-2190	157	6	intensified	intensify	VERB
afbr-2190	157	7	competition	competition	NOUN
afbr-2190	157	8	,	,	PUNCT
afbr-2190	157	9	leading	lead	VERB
afbr-2190	157	10	to	to	ADP
afbr-2190	157	11	product	product	NOUN
afbr-2190	157	12	innovation	innovation	NOUN
afbr-2190	157	13	,	,	PUNCT
afbr-2190	157	14	improved	improve	VERB
afbr-2190	157	15	service	service	NOUN
afbr-2190	157	16	quality	quality	NOUN
afbr-2190	157	17	,	,	PUNCT
afbr-2190	157	18	and	and	CCONJ
afbr-2190	157	19	lower	low	ADJ
afbr-2190	157	20	costs	cost	NOUN
afbr-2190	157	21	for	for	ADP
afbr-2190	157	22	consumers	consumer	NOUN
afbr-2190	157	23	.	.	PUNCT
afbr-2190	158	1	financial	financial	ADJ
afbr-2190	158	2	innovation	innovation	NOUN
afbr-2190	158	3			PART
afbr-2190	158	4	deregulation	deregulation	NOUN
afbr-2190	158	5	and	and	CCONJ
afbr-2190	158	6	liberalization	liberalization	NOUN
afbr-2190	158	7	spurred	spur	VERB
afbr-2190	158	8	financial	financial	ADJ
afbr-2190	158	9	innovation	innovation	NOUN
afbr-2190	158	10	in	in	ADP
afbr-2190	158	11	the	the	DET
afbr-2190	158	12	australian	australian	ADJ
afbr-2190	158	13	banking	banking	NOUN
afbr-2190	158	14	sector	sector	NOUN
afbr-2190	158	15	,	,	PUNCT
afbr-2190	158	16	driving	drive	VERB
afbr-2190	158	17	the	the	DET
afbr-2190	158	18	development	development	NOUN
afbr-2190	158	19	of	of	ADP
afbr-2190	158	20	new	new	ADJ
afbr-2190	158	21	products	product	NOUN
afbr-2190	158	22	,	,	PUNCT
afbr-2190	158	23	services	service	NOUN
afbr-2190	158	24	,	,	PUNCT
afbr-2190	158	25	and	and	CCONJ
afbr-2190	158	26	delivery	delivery	NOUN
afbr-2190	158	27	channels	channel	NOUN
afbr-2190	158	28	.	.	PUNCT
afbr-2190	159	1			PART
afbr-2190	160	1	banks	bank	NOUN
afbr-2190	160	2	introduced	introduce	VERB
afbr-2190	160	3	innovative	innovative	ADJ
afbr-2190	160	4	financial	financial	ADJ
afbr-2190	160	5	instruments	instrument	NOUN
afbr-2190	160	6	such	such	ADJ
afbr-2190	160	7	as	as	ADP
afbr-2190	160	8	securitization	securitization	NOUN
afbr-2190	160	9	,	,	PUNCT
afbr-2190	160	10	derivatives	derivative	NOUN
afbr-2190	160	11	,	,	PUNCT
afbr-2190	160	12	and	and	CCONJ
afbr-2190	160	13	structured	structured	ADJ
afbr-2190	160	14	products	product	NOUN
afbr-2190	160	15	to	to	PART
afbr-2190	160	16	meet	meet	VERB
afbr-2190	160	17	the	the	DET
afbr-2190	160	18	evolving	evolve	VERB
afbr-2190	160	19	needs	need	NOUN
afbr-2190	160	20	of	of	ADP
afbr-2190	160	21	customers	customer	NOUN
afbr-2190	160	22	and	and	CCONJ
afbr-2190	160	23	capitalize	capitalize	VERB
afbr-2190	160	24	on	on	ADP
afbr-2190	160	25	emerging	emerge	VERB
afbr-2190	160	26	market	market	NOUN
afbr-2190	160	27	opportunities	opportunity	NOUN
afbr-2190	160	28	.	.	PUNCT
afbr-2190	161	1			X
afbr-2190	161	2	technological	technological	ADJ
afbr-2190	161	3	advancements	advancement	NOUN
afbr-2190	161	4	,	,	PUNCT
afbr-2190	161	5	including	include	VERB
afbr-2190	161	6	the	the	DET
afbr-2190	161	7	adoption	adoption	NOUN
afbr-2190	161	8	of	of	ADP
afbr-2190	161	9	computerization	computerization	NOUN
afbr-2190	161	10	,	,	PUNCT
afbr-2190	161	11	electronic	electronic	ADJ
afbr-2190	161	12	banking	banking	NOUN
afbr-2190	161	13	,	,	PUNCT
afbr-2190	161	14	and	and	CCONJ
afbr-2190	161	15	atm	atm	PROPN
afbr-2190	161	16	networks	network	NOUN
afbr-2190	161	17	,	,	PUNCT
afbr-2190	161	18	transformed	transform	VERB
afbr-2190	161	19	the	the	DET
afbr-2190	161	20	way	way	NOUN
afbr-2190	161	21	banking	banking	NOUN
afbr-2190	161	22	services	service	NOUN
afbr-2190	161	23	were	be	AUX
afbr-2190	161	24	delivered	deliver	VERB
afbr-2190	161	25	,	,	PUNCT
afbr-2190	161	26	enhancing	enhance	VERB
afbr-2190	161	27	convenience	convenience	NOUN
afbr-2190	161	28	and	and	CCONJ
afbr-2190	161	29	efficiency	efficiency	NOUN
afbr-2190	161	30	for	for	ADP
afbr-2190	161	31	consumers	consumer	NOUN
afbr-2190	161	32	.	.	PUNCT
afbr-2190	162	1	globalization	globalization	NOUN
afbr-2190	162	2			VERB
afbr-2190	162	3	the	the	DET
afbr-2190	162	4	deregulation	deregulation	NOUN
afbr-2190	162	5	and	and	CCONJ
afbr-2190	162	6	liberalization	liberalization	NOUN
afbr-2190	162	7	of	of	ADP
afbr-2190	162	8	the	the	DET
afbr-2190	162	9	australian	australian	ADJ
afbr-2190	162	10	banking	banking	NOUN
afbr-2190	162	11	sector	sector	NOUN
afbr-2190	162	12	were	be	AUX
afbr-2190	162	13	part	part	NOUN
afbr-2190	162	14	of	of	ADP
afbr-2190	162	15	broader	broad	ADJ
afbr-2190	162	16	global	global	ADJ
afbr-2190	162	17	trends	trend	NOUN
afbr-2190	162	18	towards	towards	ADP
afbr-2190	162	19	financial	financial	ADJ
afbr-2190	162	20	liberalization	liberalization	NOUN
afbr-2190	162	21	and	and	CCONJ
afbr-2190	162	22	globalization	globalization	NOUN
afbr-2190	162	23	.	.	PUNCT
afbr-2190	163	1			PUNCT
afbr-2190	164	1	australian	australian	ADJ
afbr-2190	164	2	banks	bank	NOUN
afbr-2190	164	3	embraced	embrace	VERB
afbr-2190	164	4	globalization	globalization	NOUN
afbr-2190	164	5	by	by	ADP
afbr-2190	164	6	expanding	expand	VERB
afbr-2190	164	7	their	their	PRON
afbr-2190	164	8	operations	operation	NOUN
afbr-2190	164	9	internationally	internationally	ADV
afbr-2190	164	10	,	,	PUNCT
afbr-2190	164	11	establishing	establish	VERB
afbr-2190	164	12	branches	branch	NOUN
afbr-2190	164	13	and	and	CCONJ
afbr-2190	164	14	subsidiaries	subsidiary	NOUN
afbr-2190	164	15	in	in	ADP
afbr-2190	164	16	overseas	overseas	ADJ
afbr-2190	164	17	markets	market	NOUN
afbr-2190	164	18	,	,	PUNCT
afbr-2190	164	19	and	and	CCONJ
afbr-2190	164	20	participating	participate	VERB
afbr-2190	164	21	in	in	ADP
afbr-2190	164	22	cross	cross	ADJ
afbr-2190	164	23	-	-	ADJ
afbr-2190	164	24	border	border	ADJ
afbr-2190	164	25	transactions	transaction	NOUN
afbr-2190	164	26	.	.	PUNCT
afbr-2190	165	1			X
afbr-2190	166	1	globalization	globalization	NOUN
afbr-2190	166	2	enabled	enable	VERB
afbr-2190	166	3	australian	australian	ADJ
afbr-2190	166	4	banks	bank	NOUN
afbr-2190	166	5	to	to	PART
afbr-2190	166	6	diversify	diversify	VERB
afbr-2190	166	7	their	their	PRON
afbr-2190	166	8	revenue	revenue	NOUN
afbr-2190	166	9	streams	stream	NOUN
afbr-2190	166	10	,	,	PUNCT
afbr-2190	166	11	access	access	VERB
afbr-2190	166	12	new	new	ADJ
afbr-2190	166	13	sources	source	NOUN
afbr-2190	166	14	of	of	ADP
afbr-2190	166	15	funding	funding	NOUN
afbr-2190	166	16	,	,	PUNCT
afbr-2190	166	17	and	and	CCONJ
afbr-2190	166	18	leverage	leverage	NOUN
afbr-2190	166	19	international	international	ADJ
afbr-2190	166	20	expertise	expertise	NOUN
afbr-2190	166	21	to	to	PART
afbr-2190	166	22	enhance	enhance	VERB
afbr-2190	166	23	their	their	PRON
afbr-2190	166	24	competitiveness	competitiveness	NOUN
afbr-2190	166	25	on	on	ADP
afbr-2190	166	26	the	the	DET
afbr-2190	166	27	global	global	ADJ
afbr-2190	166	28	stage	stage	NOUN
afbr-2190	166	29	.	.	PUNCT
afbr-2190	167	1	in	in	ADP
afbr-2190	167	2	conclusion	conclusion	NOUN
afbr-2190	167	3	,	,	PUNCT
afbr-2190	167	4	the	the	DET
afbr-2190	167	5	deregulation	deregulation	NOUN
afbr-2190	167	6	and	and	CCONJ
afbr-2190	167	7	liberalization	liberalization	NOUN
afbr-2190	167	8	of	of	ADP
afbr-2190	167	9	the	the	DET
afbr-2190	167	10	australian	australian	ADJ
afbr-2190	167	11	banking	banking	NOUN
afbr-2190	167	12	sector	sector	NOUN
afbr-2190	167	13	in	in	ADP
afbr-2190	167	14	the	the	DET
afbr-2190	167	15	1980s	1980	NOUN
afbr-2190	167	16	and	and	CCONJ
afbr-2190	167	17	1990s	1990	NOUN
afbr-2190	167	18	were	be	AUX
afbr-2190	167	19	instrumental	instrumental	ADJ
afbr-2190	167	20	in	in	ADP
afbr-2190	167	21	driving	drive	VERB
afbr-2190	167	22	increased	increase	VERB
afbr-2190	167	23	competition	competition	NOUN
afbr-2190	167	24	,	,	PUNCT
afbr-2190	167	25	innovation	innovation	NOUN
afbr-2190	167	26	,	,	PUNCT
afbr-2190	167	27	and	and	CCONJ
afbr-2190	167	28	globalization	globalization	NOUN
afbr-2190	167	29	.	.	PUNCT
afbr-2190	168	1	these	these	DET
afbr-2190	168	2	reforms	reform	NOUN
afbr-2190	168	3	transformed	transform	VERB
afbr-2190	168	4	the	the	DET
afbr-2190	168	5	banking	banking	NOUN
afbr-2190	168	6	landscape	landscape	NOUN
afbr-2190	168	7	,	,	PUNCT
afbr-2190	168	8	empowering	empower	VERB
afbr-2190	168	9	banks	bank	NOUN
afbr-2190	168	10	to	to	PART
afbr-2190	168	11	adapt	adapt	VERB
afbr-2190	168	12	to	to	ADP
afbr-2190	168	13	changing	change	VERB
afbr-2190	168	14	market	market	NOUN
afbr-2190	168	15	conditions	condition	NOUN
afbr-2190	168	16	,	,	PUNCT
afbr-2190	168	17	embrace	embrace	VERB
afbr-2190	168	18	new	new	ADJ
afbr-2190	168	19	technologies	technology	NOUN
afbr-2190	168	20	,	,	PUNCT
afbr-2190	168	21	and	and	CCONJ
afbr-2190	168	22	expand	expand	VERB
afbr-2190	168	23	their	their	PRON
afbr-2190	168	24	reach	reach	NOUN
afbr-2190	168	25	both	both	CCONJ
afbr-2190	168	26	domestically	domestically	ADV
afbr-2190	168	27	and	and	CCONJ
afbr-2190	168	28	internationally	internationally	ADV
afbr-2190	168	29	.	.	PUNCT
afbr-2190	169	1	the	the	DET
afbr-2190	169	2	legacy	legacy	NOUN
afbr-2190	169	3	of	of	ADP
afbr-2190	169	4	these	these	DET
afbr-2190	169	5	reforms	reform	NOUN
afbr-2190	169	6	continues	continue	VERB
afbr-2190	169	7	to	to	PART
afbr-2190	169	8	shape	shape	VERB
afbr-2190	169	9	the	the	DET
afbr-2190	169	10	modern	modern	ADJ
afbr-2190	169	11	australian	australian	ADJ
afbr-2190	169	12	banking	banking	NOUN
afbr-2190	169	13	sector	sector	NOUN
afbr-2190	169	14	,	,	PUNCT
afbr-2190	169	15	fostering	foster	VERB
afbr-2190	169	16	a	a	DET
afbr-2190	169	17	dynamic	dynamic	ADJ
afbr-2190	169	18	and	and	CCONJ
afbr-2190	169	19	resilient	resilient	ADJ
afbr-2190	169	20	financial	financial	ADJ
afbr-2190	169	21	ecosystem	ecosystem	NOUN
afbr-2190	169	22	.	.	PUNCT
afbr-2190	170	1	technological	technological	ADJ
afbr-2190	170	2	revolution	revolution	NOUN
afbr-2190	170	3	introduction	introduction	NOUN
afbr-2190	170	4	of	of	ADP
afbr-2190	170	5	technology	technology	NOUN
afbr-2190	170	6	:	:	PUNCT
afbr-2190	170	7	adoption	adoption	NOUN
afbr-2190	170	8	of	of	ADP
afbr-2190	170	9	computers	computer	NOUN
afbr-2190	170	10	,	,	PUNCT
afbr-2190	170	11	atms	atms	NOUN
afbr-2190	170	12	,	,	PUNCT
afbr-2190	170	13	and	and	CCONJ
afbr-2190	170	14	electronic	electronic	ADJ
afbr-2190	170	15	banking	banking	NOUN
afbr-2190	170	16	services	service	NOUN
afbr-2190	170	17	.	.	PUNCT
afbr-2190	171	1	the	the	DET
afbr-2190	171	2	introduction	introduction	NOUN
afbr-2190	171	3	of	of	ADP
afbr-2190	171	4	technology	technology	NOUN
afbr-2190	171	5	revolutionized	revolutionize	VERB
afbr-2190	171	6	the	the	DET
afbr-2190	171	7	australian	australian	ADJ
afbr-2190	171	8	banking	banking	NOUN
afbr-2190	171	9	sector	sector	NOUN
afbr-2190	171	10	,	,	PUNCT
afbr-2190	171	11	leading	lead	VERB
afbr-2190	171	12	to	to	ADP
afbr-2190	171	13	significant	significant	ADJ
afbr-2190	171	14	advancements	advancement	NOUN
afbr-2190	171	15	in	in	ADP
afbr-2190	171	16	efficiency	efficiency	NOUN
afbr-2190	171	17	,	,	PUNCT
afbr-2190	171	18	convenience	convenience	NOUN
afbr-2190	171	19	,	,	PUNCT
afbr-2190	171	20	and	and	CCONJ
afbr-2190	171	21	accessibility	accessibility	NOUN
afbr-2190	171	22	of	of	ADP
afbr-2190	171	23	financial	financial	ADJ
afbr-2190	171	24	services	service	NOUN
afbr-2190	171	25	.	.	PUNCT
afbr-2190	172	1	beginning	begin	VERB
afbr-2190	172	2	in	in	ADP
afbr-2190	172	3	the	the	DET
afbr-2190	172	4	late	late	ADJ
afbr-2190	172	5	20th	20th	ADJ
afbr-2190	172	6	century	century	NOUN
afbr-2190	172	7	and	and	CCONJ
afbr-2190	172	8	continuing	continue	VERB
afbr-2190	172	9	into	into	ADP
afbr-2190	172	10	the	the	DET
afbr-2190	172	11	21st	21st	ADJ
afbr-2190	172	12	century	century	NOUN
afbr-2190	172	13	,	,	PUNCT
afbr-2190	172	14	the	the	DET
afbr-2190	172	15	adoption	adoption	NOUN
afbr-2190	172	16	of	of	ADP
afbr-2190	172	17	computers	computer	NOUN
afbr-2190	172	18	,	,	PUNCT
afbr-2190	172	19	automated	automate	VERB
afbr-2190	172	20	teller	teller	NOUN
afbr-2190	172	21	machines	machine	NOUN
afbr-2190	172	22	(	(	PUNCT
afbr-2190	172	23	atms	atms	PROPN
afbr-2190	172	24	)	)	PUNCT
afbr-2190	172	25	,	,	PUNCT
afbr-2190	172	26	and	and	CCONJ
afbr-2190	172	27	electronic	electronic	ADJ
afbr-2190	172	28	banking	banking	NOUN
afbr-2190	172	29	services	service	NOUN
afbr-2190	172	30	transformed	transform	VERB
afbr-2190	172	31	the	the	DET
afbr-2190	172	32	way	way	NOUN
afbr-2190	172	33	banks	bank	NOUN
afbr-2190	172	34	operated	operate	VERB
afbr-2190	172	35	and	and	CCONJ
afbr-2190	172	36	interacted	interact	VERB
afbr-2190	172	37	with	with	ADP
afbr-2190	172	38	their	their	PRON
afbr-2190	172	39	customers	customer	NOUN
afbr-2190	172	40	.	.	PUNCT
afbr-2190	173	1	computerization	computerization	NOUN
afbr-2190	173	2	of	of	ADP
afbr-2190	173	3	banking	banking	NOUN
afbr-2190	173	4	operations	operation	NOUN
afbr-2190	173	5			VERB
afbr-2190	173	6	the	the	DET
afbr-2190	173	7	widespread	widespread	ADJ
afbr-2190	173	8	adoption	adoption	NOUN
afbr-2190	173	9	of	of	ADP
afbr-2190	173	10	computers	computer	NOUN
afbr-2190	173	11	in	in	ADP
afbr-2190	173	12	the	the	DET
afbr-2190	173	13	1970s	1970	NOUN
afbr-2190	173	14	and	and	CCONJ
afbr-2190	173	15	1980s	1980	NOUN
afbr-2190	173	16	revolutionized	revolutionize	VERB
afbr-2190	173	17	banking	banking	NOUN
afbr-2190	173	18	operations	operation	NOUN
afbr-2190	173	19	,	,	PUNCT
afbr-2190	173	20	enabling	enable	VERB
afbr-2190	173	21	banks	bank	NOUN
afbr-2190	173	22	to	to	PART
afbr-2190	173	23	automate	automate	VERB
afbr-2190	173	24	processes	process	NOUN
afbr-2190	173	25	,	,	PUNCT
afbr-2190	173	26	streamline	streamline	VERB
afbr-2190	173	27	transactions	transaction	NOUN
afbr-2190	173	28	,	,	PUNCT
afbr-2190	173	29	and	and	CCONJ
afbr-2190	173	30	improve	improve	VERB
afbr-2190	173	31	data	datum	NOUN
afbr-2190	173	32	management	management	NOUN
afbr-2190	173	33	.	.	PUNCT
afbr-2190	174	1			PROPN
afbr-2190	175	1	computerization	computerization	NOUN
afbr-2190	175	2	allowed	allow	VERB
afbr-2190	175	3	banks	bank	NOUN
afbr-2190	175	4	to	to	PART
afbr-2190	175	5	centralize	centralize	VERB
afbr-2190	175	6	their	their	PRON
afbr-2190	175	7	operations	operation	NOUN
afbr-2190	175	8	,	,	PUNCT
afbr-2190	175	9	reducing	reduce	VERB
afbr-2190	175	10	the	the	DET
afbr-2190	175	11	need	need	NOUN
afbr-2190	175	12	for	for	ADP
afbr-2190	175	13	manual	manual	ADJ
afbr-2190	175	14	record	record	NOUN
afbr-2190	175	15	-	-	PUNCT
afbr-2190	175	16	keeping	keeping	NOUN
afbr-2190	175	17	and	and	CCONJ
afbr-2190	175	18	paperwork	paperwork	NOUN
afbr-2190	175	19	,	,	PUNCT
afbr-2190	175	20	and	and	CCONJ
afbr-2190	175	21	enhancing	enhance	VERB
afbr-2190	175	22	operational	operational	ADJ
afbr-2190	175	23	efficiency	efficiency	NOUN
afbr-2190	175	24	.	.	PUNCT
afbr-2190	176	1	jakaria	jakaria	PROPN
afbr-2190	176	2	,	,	PUNCT
afbr-2190	176	3	australian	australian	ADJ
afbr-2190	176	4	finance	finance	NOUN
afbr-2190	176	5	&	&	CCONJ
afbr-2190	176	6	banking	banking	PROPN
afbr-2190	176	7	review	review	NOUN
afbr-2190	176	8	7(1	7(1	NUM
afbr-2190	176	9	)	)	PUNCT
afbr-2190	176	10	(	(	PUNCT
afbr-2190	176	11	2023	2023	NUM
afbr-2190	176	12	)	)	PUNCT
afbr-2190	176	13	,	,	PUNCT
afbr-2190	176	14	9	9	NUM
afbr-2190	176	15	-	-	SYM
afbr-2190	176	16	29	29	NUM
afbr-2190	176	17	15	15	NUM
afbr-2190	176	18			NOUN
afbr-2190	176	19	banks	bank	NOUN
afbr-2190	176	20	began	begin	VERB
afbr-2190	176	21	to	to	PART
afbr-2190	176	22	invest	invest	VERB
afbr-2190	176	23	in	in	ADP
afbr-2190	176	24	core	core	NOUN
afbr-2190	176	25	banking	banking	NOUN
afbr-2190	176	26	systems	system	NOUN
afbr-2190	176	27	and	and	CCONJ
afbr-2190	176	28	software	software	NOUN
afbr-2190	176	29	applications	application	NOUN
afbr-2190	176	30	to	to	PART
afbr-2190	176	31	support	support	VERB
afbr-2190	176	32	functions	function	NOUN
afbr-2190	176	33	such	such	ADJ
afbr-2190	176	34	as	as	ADP
afbr-2190	176	35	account	account	NOUN
afbr-2190	176	36	management	management	NOUN
afbr-2190	176	37	,	,	PUNCT
afbr-2190	176	38	transaction	transaction	NOUN
afbr-2190	176	39	processing	processing	NOUN
afbr-2190	176	40	,	,	PUNCT
afbr-2190	176	41	and	and	CCONJ
afbr-2190	176	42	risk	risk	NOUN
afbr-2190	176	43	assessment	assessment	NOUN
afbr-2190	176	44	,	,	PUNCT
afbr-2190	176	45	laying	lay	VERB
afbr-2190	176	46	the	the	DET
afbr-2190	176	47	foundation	foundation	NOUN
afbr-2190	176	48	for	for	ADP
afbr-2190	176	49	modern	modern	ADJ
afbr-2190	176	50	banking	banking	NOUN
afbr-2190	176	51	infrastructure	infrastructure	NOUN
afbr-2190	176	52	.	.	PUNCT
afbr-2190	177	1	introduction	introduction	NOUN
afbr-2190	177	2	of	of	ADP
afbr-2190	177	3	automated	automate	VERB
afbr-2190	177	4	teller	teller	NOUN
afbr-2190	177	5	machines	machine	NOUN
afbr-2190	177	6	(	(	PUNCT
afbr-2190	177	7	atms	atms	PROPN
afbr-2190	177	8	)	)	PUNCT
afbr-2190	177	9			PART
afbr-2190	178	1	the	the	DET
afbr-2190	178	2	introduction	introduction	NOUN
afbr-2190	178	3	of	of	ADP
afbr-2190	178	4	atms	atms	NOUN
afbr-2190	178	5	in	in	ADP
afbr-2190	178	6	the	the	DET
afbr-2190	178	7	1980s	1980	NOUN
afbr-2190	178	8	represented	represent	VERB
afbr-2190	178	9	a	a	DET
afbr-2190	178	10	major	major	ADJ
afbr-2190	178	11	milestone	milestone	NOUN
afbr-2190	178	12	in	in	ADP
afbr-2190	178	13	banking	banking	NOUN
afbr-2190	178	14	technology	technology	NOUN
afbr-2190	178	15	,	,	PUNCT
afbr-2190	178	16	providing	provide	VERB
afbr-2190	178	17	customers	customer	NOUN
afbr-2190	178	18	with	with	ADP
afbr-2190	178	19	round	round	ADP
afbr-2190	178	20	-	-	PUNCT
afbr-2190	178	21	the	the	DET
afbr-2190	178	22	-	-	PUNCT
afbr-2190	178	23	clock	clock	NOUN
afbr-2190	178	24	access	access	NOUN
afbr-2190	178	25	to	to	ADP
afbr-2190	178	26	cash	cash	NOUN
afbr-2190	178	27	withdrawals	withdrawal	NOUN
afbr-2190	178	28	,	,	PUNCT
afbr-2190	178	29	account	account	NOUN
afbr-2190	178	30	inquiries	inquiry	NOUN
afbr-2190	178	31	,	,	PUNCT
afbr-2190	178	32	and	and	CCONJ
afbr-2190	178	33	basic	basic	ADJ
afbr-2190	178	34	banking	banking	NOUN
afbr-2190	178	35	services	service	NOUN
afbr-2190	178	36	.	.	PUNCT
afbr-2190	179	1			PROPN
afbr-2190	180	1	atms	atms	PROPN
afbr-2190	180	2	offered	offer	VERB
afbr-2190	180	3	convenience	convenience	NOUN
afbr-2190	180	4	and	and	CCONJ
afbr-2190	180	5	flexibility	flexibility	NOUN
afbr-2190	180	6	,	,	PUNCT
afbr-2190	180	7	allowing	allow	VERB
afbr-2190	180	8	customers	customer	NOUN
afbr-2190	180	9	to	to	PART
afbr-2190	180	10	perform	perform	VERB
afbr-2190	180	11	transactions	transaction	NOUN
afbr-2190	180	12	outside	outside	ADP
afbr-2190	180	13	of	of	ADP
afbr-2190	180	14	traditional	traditional	ADJ
afbr-2190	180	15	banking	banking	NOUN
afbr-2190	180	16	hours	hour	NOUN
afbr-2190	180	17	and	and	CCONJ
afbr-2190	180	18	locations	location	NOUN
afbr-2190	180	19	.	.	PUNCT
afbr-2190	181	1			X
afbr-2190	182	1	the	the	DET
afbr-2190	182	2	proliferation	proliferation	NOUN
afbr-2190	182	3	of	of	ADP
afbr-2190	182	4	atms	atms	PROPN
afbr-2190	182	5	across	across	ADP
afbr-2190	182	6	australia	australia	PROPN
afbr-2190	182	7	expanded	expand	VERB
afbr-2190	182	8	the	the	DET
afbr-2190	182	9	reach	reach	NOUN
afbr-2190	182	10	of	of	ADP
afbr-2190	182	11	banking	banking	NOUN
afbr-2190	182	12	services	service	NOUN
afbr-2190	182	13	,	,	PUNCT
afbr-2190	182	14	particularly	particularly	ADV
afbr-2190	182	15	in	in	ADP
afbr-2190	182	16	rural	rural	ADJ
afbr-2190	182	17	and	and	CCONJ
afbr-2190	182	18	remote	remote	ADJ
afbr-2190	182	19	areas	area	NOUN
afbr-2190	182	20	where	where	SCONJ
afbr-2190	182	21	brick	brick	NOUN
afbr-2190	182	22	-	-	PUNCT
afbr-2190	182	23	and	and	CCONJ
afbr-2190	182	24	-	-	PUNCT
afbr-2190	182	25	mortar	mortar	NOUN
afbr-2190	182	26	bank	bank	NOUN
afbr-2190	182	27	branches	branch	NOUN
afbr-2190	182	28	were	be	AUX
afbr-2190	182	29	scarce	scarce	ADJ
afbr-2190	182	30	.	.	PUNCT
afbr-2190	183	1	electronic	electronic	ADJ
afbr-2190	183	2	banking	banking	NOUN
afbr-2190	183	3	services	service	NOUN
afbr-2190	183	4			VERB
afbr-2190	183	5	the	the	DET
afbr-2190	183	6	advent	advent	NOUN
afbr-2190	183	7	of	of	ADP
afbr-2190	183	8	electronic	electronic	ADJ
afbr-2190	183	9	banking	banking	NOUN
afbr-2190	183	10	services	service	NOUN
afbr-2190	183	11	,	,	PUNCT
afbr-2190	183	12	including	include	VERB
afbr-2190	183	13	telephone	telephone	NOUN
afbr-2190	183	14	banking	banking	NOUN
afbr-2190	183	15	and	and	CCONJ
afbr-2190	183	16	internet	internet	NOUN
afbr-2190	183	17	banking	banking	NOUN
afbr-2190	183	18	,	,	PUNCT
afbr-2190	183	19	transformed	transform	VERB
afbr-2190	183	20	the	the	DET
afbr-2190	183	21	way	way	NOUN
afbr-2190	183	22	customers	customer	NOUN
afbr-2190	183	23	interacted	interact	VERB
afbr-2190	183	24	with	with	ADP
afbr-2190	183	25	their	their	PRON
afbr-2190	183	26	banks	bank	NOUN
afbr-2190	183	27	and	and	CCONJ
afbr-2190	183	28	managed	manage	VERB
afbr-2190	183	29	their	their	PRON
afbr-2190	183	30	finances	finance	NOUN
afbr-2190	183	31	.	.	PUNCT
afbr-2190	184	1			X
afbr-2190	184	2	telephone	telephone	NOUN
afbr-2190	184	3	banking	banking	NOUN
afbr-2190	184	4	,	,	PUNCT
afbr-2190	184	5	introduced	introduce	VERB
afbr-2190	184	6	in	in	ADP
afbr-2190	184	7	the	the	DET
afbr-2190	184	8	1980s	1980s	NUM
afbr-2190	184	9	,	,	PUNCT
afbr-2190	184	10	allowed	allow	VERB
afbr-2190	184	11	customers	customer	NOUN
afbr-2190	184	12	to	to	PART
afbr-2190	184	13	conduct	conduct	VERB
afbr-2190	184	14	banking	banking	NOUN
afbr-2190	184	15	transactions	transaction	NOUN
afbr-2190	184	16	over	over	ADP
afbr-2190	184	17	the	the	DET
afbr-2190	184	18	phone	phone	NOUN
afbr-2190	184	19	using	use	VERB
afbr-2190	184	20	interactive	interactive	ADJ
afbr-2190	184	21	voice	voice	NOUN
afbr-2190	184	22	response	response	NOUN
afbr-2190	184	23	(	(	PUNCT
afbr-2190	184	24	ivr	ivr	PROPN
afbr-2190	184	25	)	)	PUNCT
afbr-2190	184	26	systems	system	NOUN
afbr-2190	184	27	or	or	CCONJ
afbr-2190	184	28	speaking	speak	VERB
afbr-2190	184	29	with	with	ADP
afbr-2190	184	30	a	a	DET
afbr-2190	184	31	live	live	ADJ
afbr-2190	184	32	agent	agent	NOUN
afbr-2190	184	33	.	.	PUNCT
afbr-2190	185	1			PROPN
afbr-2190	185	2	internet	internet	NOUN
afbr-2190	185	3	banking	banking	NOUN
afbr-2190	185	4	emerged	emerge	VERB
afbr-2190	185	5	in	in	ADP
afbr-2190	185	6	the	the	DET
afbr-2190	185	7	1990s	1990	NOUN
afbr-2190	185	8	and	and	CCONJ
afbr-2190	185	9	rapidly	rapidly	ADV
afbr-2190	185	10	gained	gain	VERB
afbr-2190	185	11	popularity	popularity	NOUN
afbr-2190	185	12	,	,	PUNCT
afbr-2190	185	13	enabling	enable	VERB
afbr-2190	185	14	customers	customer	NOUN
afbr-2190	185	15	to	to	PART
afbr-2190	185	16	access	access	VERB
afbr-2190	185	17	their	their	PRON
afbr-2190	185	18	accounts	account	NOUN
afbr-2190	185	19	,	,	PUNCT
afbr-2190	185	20	transfer	transfer	NOUN
afbr-2190	185	21	funds	fund	NOUN
afbr-2190	185	22	,	,	PUNCT
afbr-2190	185	23	pay	pay	NOUN
afbr-2190	185	24	bills	bill	NOUN
afbr-2190	185	25	,	,	PUNCT
afbr-2190	185	26	and	and	CCONJ
afbr-2190	185	27	perform	perform	VERB
afbr-2190	185	28	other	other	ADJ
afbr-2190	185	29	banking	banking	NOUN
afbr-2190	185	30	activities	activity	NOUN
afbr-2190	185	31	online	online	ADV
afbr-2190	185	32	via	via	ADP
afbr-2190	185	33	secure	secure	ADJ
afbr-2190	185	34	websites	website	NOUN
afbr-2190	185	35	or	or	CCONJ
afbr-2190	185	36	mobile	mobile	ADJ
afbr-2190	185	37	apps	app	NOUN
afbr-2190	185	38	.	.	PUNCT
afbr-2190	186	1			PROPN
afbr-2190	186	2	electronic	electronic	ADJ
afbr-2190	186	3	banking	banking	NOUN
afbr-2190	186	4	services	service	NOUN
afbr-2190	186	5	provided	provide	VERB
afbr-2190	186	6	customers	customer	NOUN
afbr-2190	186	7	with	with	ADP
afbr-2190	186	8	greater	great	ADJ
afbr-2190	186	9	convenience	convenience	NOUN
afbr-2190	186	10	,	,	PUNCT
afbr-2190	186	11	control	control	NOUN
afbr-2190	186	12	,	,	PUNCT
afbr-2190	186	13	and	and	CCONJ
afbr-2190	186	14	flexibility	flexibility	NOUN
afbr-2190	186	15	in	in	ADP
afbr-2190	186	16	managing	manage	VERB
afbr-2190	186	17	their	their	PRON
afbr-2190	186	18	finances	finance	NOUN
afbr-2190	186	19	,	,	PUNCT
afbr-2190	186	20	while	while	SCONJ
afbr-2190	186	21	also	also	ADV
afbr-2190	186	22	reducing	reduce	VERB
afbr-2190	186	23	the	the	DET
afbr-2190	186	24	need	need	NOUN
afbr-2190	186	25	for	for	ADP
afbr-2190	186	26	in	in	ADP
afbr-2190	186	27	-	-	PUNCT
afbr-2190	186	28	person	person	NOUN
afbr-2190	186	29	visits	visit	NOUN
afbr-2190	186	30	to	to	ADP
afbr-2190	186	31	bank	bank	NOUN
afbr-2190	186	32	branches	branch	NOUN
afbr-2190	186	33	.	.	PUNCT
afbr-2190	187	1	impact	impact	NOUN
afbr-2190	187	2	on	on	ADP
afbr-2190	187	3	banking	banking	NOUN
afbr-2190	187	4	operations	operation	NOUN
afbr-2190	187	5	and	and	CCONJ
afbr-2190	187	6	customer	customer	NOUN
afbr-2190	187	7	experience	experience	NOUN
afbr-2190	187	8			VERB
afbr-2190	187	9	the	the	DET
afbr-2190	187	10	adoption	adoption	NOUN
afbr-2190	187	11	of	of	ADP
afbr-2190	187	12	technology	technology	NOUN
afbr-2190	187	13	revolutionized	revolutionize	VERB
afbr-2190	187	14	banking	banking	NOUN
afbr-2190	187	15	operations	operation	NOUN
afbr-2190	187	16	,	,	PUNCT
afbr-2190	187	17	enabling	enable	VERB
afbr-2190	187	18	banks	bank	NOUN
afbr-2190	187	19	to	to	PART
afbr-2190	187	20	improve	improve	VERB
afbr-2190	187	21	efficiency	efficiency	NOUN
afbr-2190	187	22	,	,	PUNCT
afbr-2190	187	23	reduce	reduce	VERB
afbr-2190	187	24	costs	cost	NOUN
afbr-2190	187	25	,	,	PUNCT
afbr-2190	187	26	and	and	CCONJ
afbr-2190	187	27	enhance	enhance	VERB
afbr-2190	187	28	risk	risk	NOUN
afbr-2190	187	29	management	management	NOUN
afbr-2190	187	30	practices	practice	NOUN
afbr-2190	187	31	.	.	PUNCT
afbr-2190	188	1			PUNCT
afbr-2190	189	1	customers	customer	NOUN
afbr-2190	189	2	benefited	benefit	VERB
afbr-2190	189	3	from	from	ADP
afbr-2190	189	4	greater	great	ADJ
afbr-2190	189	5	convenience	convenience	NOUN
afbr-2190	189	6	,	,	PUNCT
afbr-2190	189	7	accessibility	accessibility	NOUN
afbr-2190	189	8	,	,	PUNCT
afbr-2190	189	9	and	and	CCONJ
afbr-2190	189	10	choice	choice	NOUN
afbr-2190	189	11	in	in	ADP
afbr-2190	189	12	accessing	access	VERB
afbr-2190	189	13	banking	banking	NOUN
afbr-2190	189	14	services	service	NOUN
afbr-2190	189	15	,	,	PUNCT
afbr-2190	189	16	leading	lead	VERB
afbr-2190	189	17	to	to	ADP
afbr-2190	189	18	higher	high	ADJ
afbr-2190	189	19	levels	level	NOUN
afbr-2190	189	20	of	of	ADP
afbr-2190	189	21	satisfaction	satisfaction	NOUN
afbr-2190	189	22	and	and	CCONJ
afbr-2190	189	23	loyalty	loyalty	NOUN
afbr-2190	189	24	.	.	PUNCT
afbr-2190	190	1			PROPN
afbr-2190	190	2	technology	technology	NOUN
afbr-2190	190	3	also	also	ADV
afbr-2190	190	4	facilitated	facilitate	VERB
afbr-2190	190	5	the	the	DET
afbr-2190	190	6	development	development	NOUN
afbr-2190	190	7	of	of	ADP
afbr-2190	190	8	innovative	innovative	ADJ
afbr-2190	190	9	financial	financial	ADJ
afbr-2190	190	10	products	product	NOUN
afbr-2190	190	11	and	and	CCONJ
afbr-2190	190	12	services	service	NOUN
afbr-2190	190	13	,	,	PUNCT
afbr-2190	190	14	such	such	ADJ
afbr-2190	190	15	as	as	ADP
afbr-2190	190	16	mobile	mobile	ADJ
afbr-2190	190	17	banking	banking	NOUN
afbr-2190	190	18	,	,	PUNCT
afbr-2190	190	19	contactless	contactless	NOUN
afbr-2190	190	20	payments	payment	NOUN
afbr-2190	190	21	,	,	PUNCT
afbr-2190	190	22	and	and	CCONJ
afbr-2190	190	23	digital	digital	ADJ
afbr-2190	190	24	wallets	wallet	NOUN
afbr-2190	190	25	,	,	PUNCT
afbr-2190	190	26	further	far	ADV
afbr-2190	190	27	enhancing	enhance	VERB
afbr-2190	190	28	the	the	DET
afbr-2190	190	29	customer	customer	NOUN
afbr-2190	190	30	experience	experience	NOUN
afbr-2190	190	31	and	and	CCONJ
afbr-2190	190	32	driving	drive	VERB
afbr-2190	190	33	continued	continue	VERB
afbr-2190	190	34	innovation	innovation	NOUN
afbr-2190	190	35	in	in	ADP
afbr-2190	190	36	the	the	DET
afbr-2190	190	37	banking	banking	NOUN
afbr-2190	190	38	sector	sector	NOUN
afbr-2190	190	39	.	.	PUNCT
afbr-2190	191	1	in	in	ADP
afbr-2190	191	2	conclusion	conclusion	NOUN
afbr-2190	191	3	,	,	PUNCT
afbr-2190	191	4	the	the	DET
afbr-2190	191	5	introduction	introduction	NOUN
afbr-2190	191	6	of	of	ADP
afbr-2190	191	7	technology	technology	NOUN
afbr-2190	191	8	,	,	PUNCT
afbr-2190	191	9	including	include	VERB
afbr-2190	191	10	computers	computer	NOUN
afbr-2190	191	11	,	,	PUNCT
afbr-2190	191	12	atms	atms	NOUN
afbr-2190	191	13	,	,	PUNCT
afbr-2190	191	14	and	and	CCONJ
afbr-2190	191	15	electronic	electronic	ADJ
afbr-2190	191	16	banking	banking	NOUN
afbr-2190	191	17	services	service	NOUN
afbr-2190	191	18	,	,	PUNCT
afbr-2190	191	19	has	have	AUX
afbr-2190	191	20	transformed	transform	VERB
afbr-2190	191	21	the	the	DET
afbr-2190	191	22	australian	australian	ADJ
afbr-2190	191	23	banking	banking	NOUN
afbr-2190	191	24	sector	sector	NOUN
afbr-2190	191	25	,	,	PUNCT
afbr-2190	191	26	driving	drive	VERB
afbr-2190	191	27	improvements	improvement	NOUN
afbr-2190	191	28	in	in	ADP
afbr-2190	191	29	efficiency	efficiency	NOUN
afbr-2190	191	30	,	,	PUNCT
afbr-2190	191	31	accessibility	accessibility	NOUN
afbr-2190	191	32	,	,	PUNCT
afbr-2190	191	33	and	and	CCONJ
afbr-2190	191	34	customer	customer	NOUN
afbr-2190	191	35	experience	experience	NOUN
afbr-2190	191	36	.	.	PUNCT
afbr-2190	192	1	as	as	SCONJ
afbr-2190	192	2	technology	technology	NOUN
afbr-2190	192	3	continues	continue	VERB
afbr-2190	192	4	to	to	PART
afbr-2190	192	5	evolve	evolve	VERB
afbr-2190	192	6	,	,	PUNCT
afbr-2190	192	7	banks	bank	NOUN
afbr-2190	192	8	are	be	AUX
afbr-2190	192	9	poised	poise	VERB
afbr-2190	192	10	to	to	PART
afbr-2190	192	11	leverage	leverage	VERB
afbr-2190	192	12	emerging	emerge	VERB
afbr-2190	192	13	technologies	technology	NOUN
afbr-2190	192	14	such	such	ADJ
afbr-2190	192	15	as	as	ADP
afbr-2190	192	16	artificial	artificial	ADJ
afbr-2190	192	17	intelligence	intelligence	NOUN
afbr-2190	192	18	,	,	PUNCT
afbr-2190	192	19	blockchain	blockchain	NOUN
afbr-2190	192	20	,	,	PUNCT
afbr-2190	192	21	and	and	CCONJ
afbr-2190	192	22	data	datum	NOUN
afbr-2190	192	23	analytics	analytic	NOUN
afbr-2190	192	24	to	to	PART
afbr-2190	192	25	further	far	ADV
afbr-2190	192	26	enhance	enhance	VERB
afbr-2190	192	27	their	their	PRON
afbr-2190	192	28	offerings	offering	NOUN
afbr-2190	192	29	and	and	CCONJ
afbr-2190	192	30	meet	meet	VERB
afbr-2190	192	31	the	the	DET
afbr-2190	192	32	evolving	evolve	VERB
afbr-2190	192	33	needs	need	NOUN
afbr-2190	192	34	of	of	ADP
afbr-2190	192	35	customers	customer	NOUN
afbr-2190	192	36	in	in	ADP
afbr-2190	192	37	the	the	DET
afbr-2190	192	38	digital	digital	ADJ
afbr-2190	192	39	age	age	NOUN
afbr-2190	192	40	.	.	PUNCT
afbr-2190	193	1	digital	digital	ADJ
afbr-2190	193	2	disruption	disruption	NOUN
afbr-2190	193	3	:	:	PUNCT
afbr-2190	193	4	the	the	DET
afbr-2190	193	5	rise	rise	NOUN
afbr-2190	193	6	of	of	ADP
afbr-2190	193	7	online	online	ADJ
afbr-2190	193	8	banking	banking	NOUN
afbr-2190	193	9	,	,	PUNCT
afbr-2190	193	10	fintech	fintech	NOUN
afbr-2190	193	11	startups	startup	NOUN
afbr-2190	193	12	,	,	PUNCT
afbr-2190	193	13	and	and	CCONJ
afbr-2190	193	14	digital	digital	ADJ
afbr-2190	193	15	currencies	currency	NOUN
afbr-2190	193	16	reshaping	reshape	VERB
afbr-2190	193	17	traditional	traditional	ADJ
afbr-2190	193	18	banking	banking	NOUN
afbr-2190	193	19	models	model	NOUN
afbr-2190	193	20	.	.	PUNCT
afbr-2190	194	1	the	the	DET
afbr-2190	194	2	advent	advent	NOUN
afbr-2190	194	3	of	of	ADP
afbr-2190	194	4	digital	digital	ADJ
afbr-2190	194	5	technology	technology	NOUN
afbr-2190	194	6	has	have	AUX
afbr-2190	194	7	sparked	spark	VERB
afbr-2190	194	8	a	a	DET
afbr-2190	194	9	wave	wave	NOUN
afbr-2190	194	10	of	of	ADP
afbr-2190	194	11	disruption	disruption	NOUN
afbr-2190	194	12	in	in	ADP
afbr-2190	194	13	the	the	DET
afbr-2190	194	14	australian	australian	ADJ
afbr-2190	194	15	banking	banking	NOUN
afbr-2190	194	16	sector	sector	NOUN
afbr-2190	194	17	,	,	PUNCT
afbr-2190	194	18	challenging	challenge	VERB
afbr-2190	194	19	traditional	traditional	ADJ
afbr-2190	194	20	business	business	NOUN
afbr-2190	194	21	models	model	NOUN
afbr-2190	194	22	and	and	CCONJ
afbr-2190	194	23	reshaping	reshape	VERB
afbr-2190	194	24	the	the	DET
afbr-2190	194	25	way	way	NOUN
afbr-2190	194	26	financial	financial	ADJ
afbr-2190	194	27	services	service	NOUN
afbr-2190	194	28	are	be	AUX
afbr-2190	194	29	delivered	deliver	VERB
afbr-2190	194	30	.	.	PUNCT
afbr-2190	195	1	the	the	DET
afbr-2190	195	2	rise	rise	NOUN
afbr-2190	195	3	of	of	ADP
afbr-2190	195	4	online	online	ADJ
afbr-2190	195	5	banking	banking	NOUN
afbr-2190	195	6	,	,	PUNCT
afbr-2190	195	7	the	the	DET
afbr-2190	195	8	emergence	emergence	NOUN
afbr-2190	195	9	of	of	ADP
afbr-2190	195	10	fintech	fintech	NOUN
afbr-2190	195	11	startups	startup	NOUN
afbr-2190	195	12	,	,	PUNCT
afbr-2190	195	13	and	and	CCONJ
afbr-2190	195	14	the	the	DET
afbr-2190	195	15	growing	grow	VERB
afbr-2190	195	16	popularity	popularity	NOUN
afbr-2190	195	17	of	of	ADP
afbr-2190	195	18	digital	digital	ADJ
afbr-2190	195	19	currencies	currency	NOUN
afbr-2190	195	20	are	be	AUX
afbr-2190	195	21	transforming	transform	VERB
afbr-2190	195	22	the	the	DET
afbr-2190	195	23	industry	industry	NOUN
afbr-2190	195	24	landscape	landscape	NOUN
afbr-2190	195	25	,	,	PUNCT
afbr-2190	195	26	driving	drive	VERB
afbr-2190	195	27	innovation	innovation	NOUN
afbr-2190	195	28	,	,	PUNCT
afbr-2190	195	29	and	and	CCONJ
afbr-2190	195	30	changing	change	VERB
afbr-2190	195	31	customer	customer	NOUN
afbr-2190	195	32	expectations	expectation	NOUN
afbr-2190	195	33	.	.	PUNCT
afbr-2190	196	1	online	online	ADJ
afbr-2190	196	2	banking	banking	PROPN
afbr-2190	196	3			X
afbr-2190	196	4	online	online	ADJ
afbr-2190	196	5	banking	banking	NOUN
afbr-2190	196	6	has	have	AUX
afbr-2190	196	7	become	become	VERB
afbr-2190	196	8	increasingly	increasingly	ADV
afbr-2190	196	9	prevalent	prevalent	ADJ
afbr-2190	196	10	in	in	ADP
afbr-2190	196	11	australia	australia	PROPN
afbr-2190	196	12	,	,	PUNCT
afbr-2190	196	13	offering	offer	VERB
afbr-2190	196	14	customers	customer	NOUN
afbr-2190	196	15	convenient	convenient	ADJ
afbr-2190	196	16	access	access	NOUN
afbr-2190	196	17	to	to	ADP
afbr-2190	196	18	a	a	DET
afbr-2190	196	19	wide	wide	ADJ
afbr-2190	196	20	range	range	NOUN
afbr-2190	196	21	of	of	ADP
afbr-2190	196	22	banking	banking	NOUN
afbr-2190	196	23	services	service	NOUN
afbr-2190	196	24	via	via	ADP
afbr-2190	196	25	the	the	DET
afbr-2190	196	26	internet	internet	NOUN
afbr-2190	196	27	or	or	CCONJ
afbr-2190	196	28	mobile	mobile	ADJ
afbr-2190	196	29	apps	app	NOUN
afbr-2190	196	30	.	.	PUNCT
afbr-2190	196	31			PART
afbr-2190	197	1	traditional	traditional	ADJ
afbr-2190	197	2	banks	bank	NOUN
afbr-2190	197	3	have	have	AUX
afbr-2190	197	4	invested	invest	VERB
afbr-2190	197	5	heavily	heavily	ADV
afbr-2190	197	6	in	in	ADP
afbr-2190	197	7	developing	develop	VERB
afbr-2190	197	8	user	user	NOUN
afbr-2190	197	9	-	-	PUNCT
afbr-2190	197	10	friendly	friendly	ADJ
afbr-2190	197	11	online	online	ADJ
afbr-2190	197	12	platforms	platform	NOUN
afbr-2190	197	13	that	that	PRON
afbr-2190	197	14	enable	enable	VERB
afbr-2190	197	15	customers	customer	NOUN
afbr-2190	197	16	to	to	PART
afbr-2190	197	17	check	check	VERB
afbr-2190	197	18	account	account	NOUN
afbr-2190	197	19	balances	balance	NOUN
afbr-2190	197	20	,	,	PUNCT
afbr-2190	197	21	transfer	transfer	NOUN
afbr-2190	197	22	funds	fund	NOUN
afbr-2190	197	23	,	,	PUNCT
afbr-2190	197	24	pay	pay	NOUN
afbr-2190	197	25	bills	bill	NOUN
afbr-2190	197	26	,	,	PUNCT
afbr-2190	197	27	and	and	CCONJ
afbr-2190	197	28	manage	manage	VERB
afbr-2190	197	29	their	their	PRON
afbr-2190	197	30	finances	finance	NOUN
afbr-2190	197	31	from	from	ADP
afbr-2190	197	32	anywhere	anywhere	ADV
afbr-2190	197	33	at	at	ADP
afbr-2190	197	34	any	any	DET
afbr-2190	197	35	time	time	NOUN
afbr-2190	197	36	.	.	PUNCT
afbr-2190	198	1			PART
afbr-2190	199	1	online	online	ADJ
afbr-2190	199	2	banking	banking	NOUN
afbr-2190	199	3	has	have	AUX
afbr-2190	199	4	shifted	shift	VERB
afbr-2190	199	5	the	the	DET
afbr-2190	199	6	balance	balance	NOUN
afbr-2190	199	7	of	of	ADP
afbr-2190	199	8	power	power	NOUN
afbr-2190	199	9	towards	towards	ADP
afbr-2190	199	10	consumers	consumer	NOUN
afbr-2190	199	11	,	,	PUNCT
afbr-2190	199	12	empowering	empower	VERB
afbr-2190	199	13	them	they	PRON
afbr-2190	199	14	with	with	ADP
afbr-2190	199	15	greater	great	ADJ
afbr-2190	199	16	control	control	NOUN
afbr-2190	199	17	over	over	ADP
afbr-2190	199	18	their	their	PRON
afbr-2190	199	19	financial	financial	ADJ
afbr-2190	199	20	transactions	transaction	NOUN
afbr-2190	199	21	and	and	CCONJ
afbr-2190	199	22	reducing	reduce	VERB
afbr-2190	199	23	their	their	PRON
afbr-2190	199	24	reliance	reliance	NOUN
afbr-2190	199	25	on	on	ADP
afbr-2190	199	26	physical	physical	ADJ
afbr-2190	199	27	bank	bank	NOUN
afbr-2190	199	28	branches	branch	NOUN
afbr-2190	199	29	.	.	PUNCT
afbr-2190	200	1	fintech	fintech	NOUN
afbr-2190	200	2	startups	startup	NOUN
afbr-2190	200	3			PUNCT
afbr-2190	200	4	the	the	DET
afbr-2190	200	5	australian	australian	ADJ
afbr-2190	200	6	fintech	fintech	NOUN
afbr-2190	200	7	ecosystem	ecosystem	NOUN
afbr-2190	200	8	has	have	AUX
afbr-2190	200	9	experienced	experience	VERB
afbr-2190	200	10	rapid	rapid	ADJ
afbr-2190	200	11	growth	growth	NOUN
afbr-2190	200	12	in	in	ADP
afbr-2190	200	13	recent	recent	ADJ
afbr-2190	200	14	years	year	NOUN
afbr-2190	200	15	,	,	PUNCT
afbr-2190	200	16	fueled	fuel	VERB
afbr-2190	200	17	by	by	ADP
afbr-2190	200	18	a	a	DET
afbr-2190	200	19	surge	surge	NOUN
afbr-2190	200	20	in	in	ADP
afbr-2190	200	21	entrepreneurial	entrepreneurial	ADJ
afbr-2190	200	22	activity	activity	NOUN
afbr-2190	200	23	,	,	PUNCT
afbr-2190	200	24	venture	venture	NOUN
afbr-2190	200	25	capital	capital	NOUN
afbr-2190	200	26	investment	investment	NOUN
afbr-2190	200	27	,	,	PUNCT
afbr-2190	200	28	and	and	CCONJ
afbr-2190	200	29	government	government	NOUN
afbr-2190	200	30	support	support	NOUN
afbr-2190	200	31	.	.	PUNCT
afbr-2190	201	1			PROPN
afbr-2190	201	2	fintech	fintech	NOUN
afbr-2190	201	3	startups	startup	NOUN
afbr-2190	201	4	are	be	AUX
afbr-2190	201	5	leveraging	leverage	VERB
afbr-2190	201	6	cutting	cutting	NOUN
afbr-2190	201	7	-	-	PUNCT
afbr-2190	201	8	edge	edge	NOUN
afbr-2190	201	9	technologies	technology	NOUN
afbr-2190	201	10	such	such	ADJ
afbr-2190	201	11	as	as	ADP
afbr-2190	201	12	artificial	artificial	ADJ
afbr-2190	201	13	intelligence	intelligence	NOUN
afbr-2190	201	14	,	,	PUNCT
afbr-2190	201	15	blockchain	blockchain	NOUN
afbr-2190	201	16	,	,	PUNCT
afbr-2190	201	17	and	and	CCONJ
afbr-2190	201	18	data	datum	NOUN
afbr-2190	201	19	analytics	analytic	NOUN
afbr-2190	201	20	to	to	PART
afbr-2190	201	21	offer	offer	VERB
afbr-2190	201	22	innovative	innovative	ADJ
afbr-2190	201	23	financial	financial	ADJ
afbr-2190	201	24	products	product	NOUN
afbr-2190	201	25	and	and	CCONJ
afbr-2190	201	26	services	service	NOUN
afbr-2190	201	27	that	that	PRON
afbr-2190	201	28	challenge	challenge	VERB
afbr-2190	201	29	traditional	traditional	ADJ
afbr-2190	201	30	banking	banking	NOUN
afbr-2190	201	31	models	model	NOUN
afbr-2190	201	32	.	.	PUNCT
afbr-2190	202	1			PUNCT
afbr-2190	203	1	these	these	DET
afbr-2190	203	2	startups	startup	NOUN
afbr-2190	203	3	are	be	AUX
afbr-2190	203	4	disrupting	disrupt	VERB
afbr-2190	203	5	various	various	ADJ
afbr-2190	203	6	segments	segment	NOUN
afbr-2190	203	7	of	of	ADP
afbr-2190	203	8	the	the	DET
afbr-2190	203	9	banking	banking	NOUN
afbr-2190	203	10	value	value	NOUN
afbr-2190	203	11	chain	chain	NOUN
afbr-2190	203	12	,	,	PUNCT
afbr-2190	203	13	including	include	VERB
afbr-2190	203	14	payments	payment	NOUN
afbr-2190	203	15	,	,	PUNCT
afbr-2190	203	16	lending	lending	NOUN
afbr-2190	203	17	,	,	PUNCT
afbr-2190	203	18	wealth	wealth	NOUN
afbr-2190	203	19	management	management	NOUN
afbr-2190	203	20	,	,	PUNCT
afbr-2190	203	21	and	and	CCONJ
afbr-2190	203	22	insurance	insurance	NOUN
afbr-2190	203	23	,	,	PUNCT
afbr-2190	203	24	by	by	ADP
afbr-2190	203	25	providing	provide	VERB
afbr-2190	203	26	faster	fast	ADV
afbr-2190	203	27	,	,	PUNCT
afbr-2190	203	28	cheaper	cheap	ADJ
afbr-2190	203	29	,	,	PUNCT
afbr-2190	203	30	and	and	CCONJ
afbr-2190	203	31	more	more	ADV
afbr-2190	203	32	tailored	tailored	ADJ
afbr-2190	203	33	solutions	solution	NOUN
afbr-2190	203	34	to	to	PART
afbr-2190	203	35	meet	meet	VERB
afbr-2190	203	36	the	the	DET
afbr-2190	203	37	evolving	evolve	VERB
afbr-2190	203	38	needs	need	NOUN
afbr-2190	203	39	of	of	ADP
afbr-2190	203	40	consumers	consumer	NOUN
afbr-2190	203	41	and	and	CCONJ
afbr-2190	203	42	businesses	business	NOUN
afbr-2190	203	43	.	.	PUNCT
afbr-2190	204	1	jakaria	jakaria	PROPN
afbr-2190	204	2	,	,	PUNCT
afbr-2190	204	3	australian	australian	ADJ
afbr-2190	204	4	finance	finance	NOUN
afbr-2190	204	5	&	&	CCONJ
afbr-2190	204	6	banking	banking	PROPN
afbr-2190	204	7	review	review	NOUN
afbr-2190	204	8	7(1	7(1	NUM
afbr-2190	204	9	)	)	PUNCT
afbr-2190	204	10	(	(	PUNCT
afbr-2190	204	11	2023	2023	NUM
afbr-2190	204	12	)	)	PUNCT
afbr-2190	204	13	,	,	PUNCT
afbr-2190	204	14	9	9	NUM
afbr-2190	204	15	-	-	SYM
afbr-2190	204	16	29	29	NUM
afbr-2190	204	17	16	16	NUM
afbr-2190	204	18	digital	digital	ADJ
afbr-2190	204	19	currencies	currency	NOUN
afbr-2190	204	20			VERB
afbr-2190	204	21	the	the	DET
afbr-2190	204	22	rise	rise	NOUN
afbr-2190	204	23	of	of	ADP
afbr-2190	204	24	digital	digital	ADJ
afbr-2190	204	25	currencies	currency	NOUN
afbr-2190	204	26	,	,	PUNCT
afbr-2190	204	27	such	such	ADJ
afbr-2190	204	28	as	as	ADP
afbr-2190	204	29	bitcoin	bitcoin	NOUN
afbr-2190	204	30	and	and	CCONJ
afbr-2190	204	31	ethereum	ethereum	NOUN
afbr-2190	204	32	,	,	PUNCT
afbr-2190	204	33	has	have	AUX
afbr-2190	204	34	captured	capture	VERB
afbr-2190	204	35	the	the	DET
afbr-2190	204	36	imagination	imagination	NOUN
afbr-2190	204	37	of	of	ADP
afbr-2190	204	38	investors	investor	NOUN
afbr-2190	204	39	and	and	CCONJ
afbr-2190	204	40	consumers	consumer	NOUN
afbr-2190	204	41	alike	alike	ADV
afbr-2190	204	42	,	,	PUNCT
afbr-2190	204	43	presenting	present	VERB
afbr-2190	204	44	both	both	CCONJ
afbr-2190	204	45	opportunities	opportunity	NOUN
afbr-2190	204	46	and	and	CCONJ
afbr-2190	204	47	challenges	challenge	NOUN
afbr-2190	204	48	for	for	ADP
afbr-2190	204	49	the	the	DET
afbr-2190	204	50	banking	banking	NOUN
afbr-2190	204	51	industry	industry	NOUN
afbr-2190	204	52	.	.	PUNCT
afbr-2190	205	1			PART
afbr-2190	206	1	while	while	SCONJ
afbr-2190	206	2	digital	digital	ADJ
afbr-2190	206	3	currencies	currency	NOUN
afbr-2190	206	4	offer	offer	VERB
afbr-2190	206	5	the	the	DET
afbr-2190	206	6	potential	potential	NOUN
afbr-2190	206	7	for	for	ADP
afbr-2190	206	8	faster	fast	ADJ
afbr-2190	206	9	,	,	PUNCT
afbr-2190	206	10	cheaper	cheap	ADJ
afbr-2190	206	11	,	,	PUNCT
afbr-2190	206	12	and	and	CCONJ
afbr-2190	206	13	more	more	ADV
afbr-2190	206	14	secure	secure	ADJ
afbr-2190	206	15	cross	cross	ADJ
afbr-2190	206	16	-	-	ADJ
afbr-2190	206	17	border	border	ADJ
afbr-2190	206	18	transactions	transaction	NOUN
afbr-2190	206	19	,	,	PUNCT
afbr-2190	206	20	they	they	PRON
afbr-2190	206	21	also	also	ADV
afbr-2190	206	22	pose	pose	VERB
afbr-2190	206	23	risks	risk	NOUN
afbr-2190	206	24	related	relate	VERB
afbr-2190	206	25	to	to	ADP
afbr-2190	206	26	regulatory	regulatory	ADJ
afbr-2190	206	27	compliance	compliance	NOUN
afbr-2190	206	28	,	,	PUNCT
afbr-2190	206	29	volatility	volatility	NOUN
afbr-2190	206	30	,	,	PUNCT
afbr-2190	206	31	and	and	CCONJ
afbr-2190	206	32	cybersecurity	cybersecurity	NOUN
afbr-2190	206	33	.	.	PUNCT
afbr-2190	207	1			VERB
afbr-2190	208	1	some	some	DET
afbr-2190	208	2	australian	australian	ADJ
afbr-2190	208	3	banks	bank	NOUN
afbr-2190	208	4	have	have	AUX
afbr-2190	208	5	embraced	embrace	VERB
afbr-2190	208	6	digital	digital	ADJ
afbr-2190	208	7	currencies	currency	NOUN
afbr-2190	208	8	by	by	ADP
afbr-2190	208	9	exploring	explore	VERB
afbr-2190	208	10	blockchain	blockchain	PROPN
afbr-2190	208	11	technology	technology	NOUN
afbr-2190	208	12	for	for	ADP
afbr-2190	208	13	payment	payment	NOUN
afbr-2190	208	14	settlements	settlement	NOUN
afbr-2190	208	15	and	and	CCONJ
afbr-2190	208	16	offering	offer	VERB
afbr-2190	208	17	services	service	NOUN
afbr-2190	208	18	to	to	ADP
afbr-2190	208	19	customers	customer	NOUN
afbr-2190	208	20	interested	interested	ADJ
afbr-2190	208	21	in	in	ADP
afbr-2190	208	22	investing	invest	VERB
afbr-2190	208	23	in	in	ADP
afbr-2190	208	24	cryptocurrencies	cryptocurrencie	NOUN
afbr-2190	208	25	.	.	PUNCT
afbr-2190	209	1	however	however	ADV
afbr-2190	209	2	,	,	PUNCT
afbr-2190	209	3	others	other	NOUN
afbr-2190	209	4	have	have	AUX
afbr-2190	209	5	been	be	AUX
afbr-2190	209	6	more	more	ADV
afbr-2190	209	7	cautious	cautious	ADJ
afbr-2190	209	8	,	,	PUNCT
afbr-2190	209	9	citing	cite	VERB
afbr-2190	209	10	concerns	concern	NOUN
afbr-2190	209	11	about	about	ADP
afbr-2190	209	12	the	the	DET
afbr-2190	209	13	lack	lack	NOUN
afbr-2190	209	14	of	of	ADP
afbr-2190	209	15	regulation	regulation	NOUN
afbr-2190	209	16	and	and	CCONJ
afbr-2190	209	17	the	the	DET
afbr-2190	209	18	potential	potential	NOUN
afbr-2190	209	19	for	for	ADP
afbr-2190	209	20	financial	financial	ADJ
afbr-2190	209	21	crime	crime	NOUN
afbr-2190	209	22	.	.	PUNCT
afbr-2190	210	1	reshaping	reshape	VERB
afbr-2190	210	2	traditional	traditional	ADJ
afbr-2190	210	3	banking	banking	NOUN
afbr-2190	210	4	models	model	NOUN
afbr-2190	210	5			AUX
afbr-2190	210	6	the	the	DET
afbr-2190	210	7	rise	rise	NOUN
afbr-2190	210	8	of	of	ADP
afbr-2190	210	9	online	online	ADJ
afbr-2190	210	10	banking	banking	NOUN
afbr-2190	210	11	,	,	PUNCT
afbr-2190	210	12	fintech	fintech	NOUN
afbr-2190	210	13	startups	startup	NOUN
afbr-2190	210	14	,	,	PUNCT
afbr-2190	210	15	and	and	CCONJ
afbr-2190	210	16	digital	digital	ADJ
afbr-2190	210	17	currencies	currency	NOUN
afbr-2190	210	18	is	be	AUX
afbr-2190	210	19	reshaping	reshape	VERB
afbr-2190	210	20	traditional	traditional	ADJ
afbr-2190	210	21	banking	banking	NOUN
afbr-2190	210	22	models	model	NOUN
afbr-2190	210	23	,	,	PUNCT
afbr-2190	210	24	forcing	force	VERB
afbr-2190	210	25	incumbent	incumbent	ADJ
afbr-2190	210	26	banks	bank	NOUN
afbr-2190	210	27	to	to	PART
afbr-2190	210	28	adapt	adapt	VERB
afbr-2190	210	29	or	or	CCONJ
afbr-2190	210	30	risk	risk	NOUN
afbr-2190	210	31	being	be	AUX
afbr-2190	210	32	left	leave	VERB
afbr-2190	210	33	behind	behind	ADV
afbr-2190	210	34	.	.	PUNCT
afbr-2190	211	1			PART
afbr-2190	212	1	traditional	traditional	ADJ
afbr-2190	212	2	banks	bank	NOUN
afbr-2190	212	3	are	be	AUX
afbr-2190	212	4	responding	respond	VERB
afbr-2190	212	5	to	to	ADP
afbr-2190	212	6	digital	digital	ADJ
afbr-2190	212	7	disruption	disruption	NOUN
afbr-2190	212	8	by	by	ADP
afbr-2190	212	9	investing	invest	VERB
afbr-2190	212	10	in	in	ADP
afbr-2190	212	11	technology	technology	NOUN
afbr-2190	212	12	,	,	PUNCT
afbr-2190	212	13	partnering	partner	VERB
afbr-2190	212	14	with	with	ADP
afbr-2190	212	15	fintech	fintech	NOUN
afbr-2190	212	16	startups	startup	NOUN
afbr-2190	212	17	,	,	PUNCT
afbr-2190	212	18	and	and	CCONJ
afbr-2190	212	19	launching	launch	VERB
afbr-2190	212	20	digital	digital	ADJ
afbr-2190	212	21	-	-	PUNCT
afbr-2190	212	22	only	only	ADV
afbr-2190	212	23	banking	banking	NOUN
afbr-2190	212	24	platforms	platform	NOUN
afbr-2190	212	25	to	to	PART
afbr-2190	212	26	meet	meet	VERB
afbr-2190	212	27	the	the	DET
afbr-2190	212	28	changing	change	VERB
afbr-2190	212	29	preferences	preference	NOUN
afbr-2190	212	30	of	of	ADP
afbr-2190	212	31	customers	customer	NOUN
afbr-2190	212	32	and	and	CCONJ
afbr-2190	212	33	stay	stay	VERB
afbr-2190	212	34	competitive	competitive	ADJ
afbr-2190	212	35	in	in	ADP
afbr-2190	212	36	the	the	DET
afbr-2190	212	37	digital	digital	ADJ
afbr-2190	212	38	age	age	NOUN
afbr-2190	212	39	.	.	PUNCT
afbr-2190	213	1			X
afbr-2190	214	1	at	at	ADP
afbr-2190	214	2	the	the	DET
afbr-2190	214	3	same	same	ADJ
afbr-2190	214	4	time	time	NOUN
afbr-2190	214	5	,	,	PUNCT
afbr-2190	214	6	regulatory	regulatory	ADJ
afbr-2190	214	7	authorities	authority	NOUN
afbr-2190	214	8	are	be	AUX
afbr-2190	214	9	grappling	grapple	VERB
afbr-2190	214	10	with	with	ADP
afbr-2190	214	11	the	the	DET
afbr-2190	214	12	challenges	challenge	NOUN
afbr-2190	214	13	posed	pose	VERB
afbr-2190	214	14	by	by	ADP
afbr-2190	214	15	digital	digital	ADJ
afbr-2190	214	16	disruption	disruption	NOUN
afbr-2190	214	17	,	,	PUNCT
afbr-2190	214	18	seeking	seek	VERB
afbr-2190	214	19	to	to	PART
afbr-2190	214	20	strike	strike	VERB
afbr-2190	214	21	a	a	DET
afbr-2190	214	22	balance	balance	NOUN
afbr-2190	214	23	between	between	ADP
afbr-2190	214	24	fostering	foster	VERB
afbr-2190	214	25	innovation	innovation	NOUN
afbr-2190	214	26	and	and	CCONJ
afbr-2190	214	27	safeguarding	safeguard	VERB
afbr-2190	214	28	financial	financial	ADJ
afbr-2190	214	29	stability	stability	NOUN
afbr-2190	214	30	and	and	CCONJ
afbr-2190	214	31	consumer	consumer	NOUN
afbr-2190	214	32	protection	protection	NOUN
afbr-2190	214	33	.	.	PUNCT
afbr-2190	215	1	in	in	ADP
afbr-2190	215	2	conclusion	conclusion	NOUN
afbr-2190	215	3	,	,	PUNCT
afbr-2190	215	4	digital	digital	ADJ
afbr-2190	215	5	disruption	disruption	NOUN
afbr-2190	215	6	is	be	AUX
afbr-2190	215	7	fundamentally	fundamentally	ADV
afbr-2190	215	8	transforming	transform	VERB
afbr-2190	215	9	the	the	DET
afbr-2190	215	10	australian	australian	ADJ
afbr-2190	215	11	banking	banking	NOUN
afbr-2190	215	12	sector	sector	NOUN
afbr-2190	215	13	,	,	PUNCT
afbr-2190	215	14	driving	drive	VERB
afbr-2190	215	15	innovation	innovation	NOUN
afbr-2190	215	16	,	,	PUNCT
afbr-2190	215	17	competition	competition	NOUN
afbr-2190	215	18	,	,	PUNCT
afbr-2190	215	19	and	and	CCONJ
afbr-2190	215	20	customer	customer	NOUN
afbr-2190	215	21	-	-	PUNCT
afbr-2190	215	22	centricity	centricity	NOUN
afbr-2190	215	23	.	.	PUNCT
afbr-2190	216	1	as	as	ADP
afbr-2190	216	2	online	online	ADJ
afbr-2190	216	3	banking	banking	NOUN
afbr-2190	216	4	,	,	PUNCT
afbr-2190	216	5	fintech	fintech	NOUN
afbr-2190	216	6	startups	startup	NOUN
afbr-2190	216	7	,	,	PUNCT
afbr-2190	216	8	and	and	CCONJ
afbr-2190	216	9	digital	digital	ADJ
afbr-2190	216	10	currencies	currency	NOUN
afbr-2190	216	11	continue	continue	VERB
afbr-2190	216	12	to	to	PART
afbr-2190	216	13	evolve	evolve	VERB
afbr-2190	216	14	,	,	PUNCT
afbr-2190	216	15	banks	bank	NOUN
afbr-2190	216	16	will	will	AUX
afbr-2190	216	17	need	need	VERB
afbr-2190	216	18	to	to	PART
afbr-2190	216	19	embrace	embrace	VERB
afbr-2190	216	20	digital	digital	ADJ
afbr-2190	216	21	transformation	transformation	NOUN
afbr-2190	216	22	,	,	PUNCT
afbr-2190	216	23	foster	foster	ADJ
afbr-2190	216	24	innovation	innovation	NOUN
afbr-2190	216	25	,	,	PUNCT
afbr-2190	216	26	and	and	CCONJ
afbr-2190	216	27	adapt	adapt	VERB
afbr-2190	216	28	their	their	PRON
afbr-2190	216	29	business	business	NOUN
afbr-2190	216	30	models	model	NOUN
afbr-2190	216	31	to	to	PART
afbr-2190	216	32	thrive	thrive	VERB
afbr-2190	216	33	in	in	ADP
afbr-2190	216	34	the	the	DET
afbr-2190	216	35	increasingly	increasingly	ADV
afbr-2190	216	36	digitalized	digitalize	VERB
afbr-2190	216	37	financial	financial	ADJ
afbr-2190	216	38	ecosystem	ecosystem	NOUN
afbr-2190	216	39	.	.	PUNCT
afbr-2190	217	1	financial	financial	ADJ
afbr-2190	217	2	crises	crisis	NOUN
afbr-2190	217	3	and	and	CCONJ
afbr-2190	217	4	resilience	resilience	NOUN
afbr-2190	217	5	global	global	ADJ
afbr-2190	217	6	financial	financial	ADJ
afbr-2190	217	7	crisis	crisis	NOUN
afbr-2190	217	8	(	(	PUNCT
afbr-2190	217	9	gfc	gfc	NOUN
afbr-2190	217	10	):	):	PUNCT
afbr-2190	217	11	impacts	impact	NOUN
afbr-2190	217	12	on	on	ADP
afbr-2190	217	13	the	the	DET
afbr-2190	217	14	australian	australian	ADJ
afbr-2190	217	15	banking	banking	NOUN
afbr-2190	217	16	sector	sector	NOUN
afbr-2190	217	17	and	and	CCONJ
afbr-2190	217	18	regulatory	regulatory	ADJ
afbr-2190	217	19	responses	response	NOUN
afbr-2190	217	20	the	the	DET
afbr-2190	217	21	global	global	ADJ
afbr-2190	217	22	financial	financial	ADJ
afbr-2190	217	23	crisis	crisis	NOUN
afbr-2190	217	24	(	(	PUNCT
afbr-2190	217	25	gfc	gfc	NOUN
afbr-2190	217	26	)	)	PUNCT
afbr-2190	217	27	,	,	PUNCT
afbr-2190	217	28	which	which	PRON
afbr-2190	217	29	originated	originate	VERB
afbr-2190	217	30	in	in	ADP
afbr-2190	217	31	the	the	DET
afbr-2190	217	32	united	united	PROPN
afbr-2190	217	33	states	states	PROPN
afbr-2190	217	34	in	in	ADP
afbr-2190	217	35	2007	2007	NUM
afbr-2190	217	36	and	and	CCONJ
afbr-2190	217	37	reverberated	reverberate	VERB
afbr-2190	217	38	across	across	ADP
afbr-2190	217	39	global	global	ADJ
afbr-2190	217	40	financial	financial	ADJ
afbr-2190	217	41	markets	market	NOUN
afbr-2190	217	42	,	,	PUNCT
afbr-2190	217	43	had	have	VERB
afbr-2190	217	44	significant	significant	ADJ
afbr-2190	217	45	implications	implication	NOUN
afbr-2190	217	46	for	for	ADP
afbr-2190	217	47	the	the	DET
afbr-2190	217	48	australian	australian	ADJ
afbr-2190	217	49	banking	banking	NOUN
afbr-2190	217	50	sector	sector	NOUN
afbr-2190	217	51	.	.	PUNCT
afbr-2190	218	1	while	while	SCONJ
afbr-2190	218	2	australia	australia	PROPN
afbr-2190	218	3	fared	fare	VERB
afbr-2190	218	4	relatively	relatively	ADV
afbr-2190	218	5	well	well	ADV
afbr-2190	218	6	compared	compare	VERB
afbr-2190	218	7	to	to	ADP
afbr-2190	218	8	many	many	ADJ
afbr-2190	218	9	other	other	ADJ
afbr-2190	218	10	countries	country	NOUN
afbr-2190	218	11	,	,	PUNCT
afbr-2190	218	12	the	the	DET
afbr-2190	218	13	crisis	crisis	NOUN
afbr-2190	218	14	exposed	expose	VERB
afbr-2190	218	15	vulnerabilities	vulnerability	NOUN
afbr-2190	218	16	in	in	ADP
afbr-2190	218	17	the	the	DET
afbr-2190	218	18	financial	financial	ADJ
afbr-2190	218	19	system	system	NOUN
afbr-2190	218	20	and	and	CCONJ
afbr-2190	218	21	prompted	prompt	VERB
afbr-2190	218	22	regulatory	regulatory	ADJ
afbr-2190	218	23	responses	response	NOUN
afbr-2190	218	24	aimed	aim	VERB
afbr-2190	218	25	at	at	ADP
afbr-2190	218	26	enhancing	enhance	VERB
afbr-2190	218	27	resilience	resilience	NOUN
afbr-2190	218	28	and	and	CCONJ
afbr-2190	218	29	stability	stability	NOUN
afbr-2190	218	30	.	.	PUNCT
afbr-2190	219	1	impacts	impact	NOUN
afbr-2190	219	2	on	on	ADP
afbr-2190	219	3	the	the	DET
afbr-2190	219	4	australian	australian	ADJ
afbr-2190	219	5	banking	banking	NOUN
afbr-2190	219	6	sector	sector	NOUN
afbr-2190	219	7			VERB
afbr-2190	219	8	despite	despite	SCONJ
afbr-2190	219	9	australia	australia	PROPN
afbr-2190	219	10	's	's	PART
afbr-2190	219	11	strong	strong	ADJ
afbr-2190	219	12	regulatory	regulatory	ADJ
afbr-2190	219	13	framework	framework	NOUN
afbr-2190	219	14	and	and	CCONJ
afbr-2190	219	15	conservative	conservative	ADJ
afbr-2190	219	16	banking	banking	NOUN
afbr-2190	219	17	practices	practice	NOUN
afbr-2190	219	18	,	,	PUNCT
afbr-2190	219	19	the	the	DET
afbr-2190	219	20	gfc	gfc	NOUN
afbr-2190	219	21	had	have	VERB
afbr-2190	219	22	notable	notable	ADJ
afbr-2190	219	23	impacts	impact	NOUN
afbr-2190	219	24	on	on	ADP
afbr-2190	219	25	the	the	DET
afbr-2190	219	26	australian	australian	ADJ
afbr-2190	219	27	banking	banking	NOUN
afbr-2190	219	28	sector	sector	NOUN
afbr-2190	219	29	.	.	PUNCT
afbr-2190	220	1			PUNCT
afbr-2190	221	1	australian	australian	ADJ
afbr-2190	221	2	banks	bank	NOUN
afbr-2190	221	3	faced	face	VERB
afbr-2190	221	4	increased	increase	VERB
afbr-2190	221	5	funding	funding	NOUN
afbr-2190	221	6	costs	cost	NOUN
afbr-2190	221	7	and	and	CCONJ
afbr-2190	221	8	liquidity	liquidity	NOUN
afbr-2190	221	9	pressures	pressure	NOUN
afbr-2190	221	10	as	as	SCONJ
afbr-2190	221	11	global	global	ADJ
afbr-2190	221	12	credit	credit	NOUN
afbr-2190	221	13	markets	market	NOUN
afbr-2190	221	14	froze	freeze	VERB
afbr-2190	221	15	and	and	CCONJ
afbr-2190	221	16	interbank	interbank	NOUN
afbr-2190	221	17	lending	lending	NOUN
afbr-2190	221	18	rates	rate	NOUN
afbr-2190	221	19	surged	surge	VERB
afbr-2190	221	20	.	.	PUNCT
afbr-2190	222	1			PUNCT
afbr-2190	223	1	the	the	DET
afbr-2190	223	2	crisis	crisis	NOUN
afbr-2190	223	3	also	also	ADV
afbr-2190	223	4	led	lead	VERB
afbr-2190	223	5	to	to	ADP
afbr-2190	223	6	a	a	DET
afbr-2190	223	7	tightening	tightening	NOUN
afbr-2190	223	8	of	of	ADP
afbr-2190	223	9	credit	credit	NOUN
afbr-2190	223	10	conditions	condition	NOUN
afbr-2190	223	11	,	,	PUNCT
afbr-2190	223	12	with	with	ADP
afbr-2190	223	13	banks	bank	NOUN
afbr-2190	223	14	becoming	become	VERB
afbr-2190	223	15	more	more	ADJ
afbr-2190	223	16	risk	risk	NOUN
afbr-2190	223	17	-	-	PUNCT
afbr-2190	223	18	averse	averse	ADJ
afbr-2190	223	19	and	and	CCONJ
afbr-2190	223	20	tightening	tighten	VERB
afbr-2190	223	21	lending	lending	NOUN
afbr-2190	223	22	standards	standard	NOUN
afbr-2190	223	23	,	,	PUNCT
afbr-2190	223	24	particularly	particularly	ADV
afbr-2190	223	25	in	in	ADP
afbr-2190	223	26	the	the	DET
afbr-2190	223	27	areas	area	NOUN
afbr-2190	223	28	of	of	ADP
afbr-2190	223	29	housing	housing	NOUN
afbr-2190	223	30	and	and	CCONJ
afbr-2190	223	31	commercial	commercial	ADJ
afbr-2190	223	32	real	real	ADJ
afbr-2190	223	33	estate	estate	NOUN
afbr-2190	223	34	.	.	PUNCT
afbr-2190	224	1			PUNCT
afbr-2190	225	1	however	however	ADV
afbr-2190	225	2	,	,	PUNCT
afbr-2190	225	3	compared	compare	VERB
afbr-2190	225	4	to	to	ADP
afbr-2190	225	5	their	their	PRON
afbr-2190	225	6	international	international	ADJ
afbr-2190	225	7	counterparts	counterpart	NOUN
afbr-2190	225	8	,	,	PUNCT
afbr-2190	225	9	australian	australian	ADJ
afbr-2190	225	10	banks	bank	NOUN
afbr-2190	225	11	remained	remain	VERB
afbr-2190	225	12	relatively	relatively	ADV
afbr-2190	225	13	well	well	ADV
afbr-2190	225	14	-	-	PUNCT
afbr-2190	225	15	capitalized	capitalize	VERB
afbr-2190	225	16	and	and	CCONJ
afbr-2190	225	17	profitable	profitable	ADJ
afbr-2190	225	18	,	,	PUNCT
afbr-2190	225	19	due	due	ADJ
afbr-2190	225	20	in	in	ADP
afbr-2190	225	21	part	part	NOUN
afbr-2190	225	22	to	to	ADP
afbr-2190	225	23	prudent	prudent	ADJ
afbr-2190	225	24	risk	risk	NOUN
afbr-2190	225	25	management	management	NOUN
afbr-2190	225	26	practices	practice	NOUN
afbr-2190	225	27	and	and	CCONJ
afbr-2190	225	28	regulatory	regulatory	ADJ
afbr-2190	225	29	safeguards	safeguard	NOUN
afbr-2190	225	30	.	.	PUNCT
afbr-2190	226	1	regulatory	regulatory	ADJ
afbr-2190	226	2	responses	response	NOUN
afbr-2190	226	3			VERB
afbr-2190	226	4	in	in	ADP
afbr-2190	226	5	response	response	NOUN
afbr-2190	226	6	to	to	ADP
afbr-2190	226	7	the	the	DET
afbr-2190	226	8	challenges	challenge	NOUN
afbr-2190	226	9	posed	pose	VERB
afbr-2190	226	10	by	by	ADP
afbr-2190	226	11	the	the	DET
afbr-2190	226	12	gfc	gfc	NOUN
afbr-2190	226	13	,	,	PUNCT
afbr-2190	226	14	australian	australian	ADJ
afbr-2190	226	15	regulatory	regulatory	ADJ
afbr-2190	226	16	authorities	authority	NOUN
afbr-2190	226	17	implemented	implement	VERB
afbr-2190	226	18	a	a	DET
afbr-2190	226	19	series	series	NOUN
afbr-2190	226	20	of	of	ADP
afbr-2190	226	21	measures	measure	NOUN
afbr-2190	226	22	aimed	aim	VERB
afbr-2190	226	23	at	at	ADP
afbr-2190	226	24	strengthening	strengthen	VERB
afbr-2190	226	25	the	the	DET
afbr-2190	226	26	resilience	resilience	NOUN
afbr-2190	226	27	of	of	ADP
afbr-2190	226	28	the	the	DET
afbr-2190	226	29	financial	financial	ADJ
afbr-2190	226	30	system	system	NOUN
afbr-2190	226	31	and	and	CCONJ
afbr-2190	226	32	mitigating	mitigate	VERB
afbr-2190	226	33	systemic	systemic	ADJ
afbr-2190	226	34	risks	risk	NOUN
afbr-2190	226	35	.	.	PUNCT
afbr-2190	227	1			PUNCT
afbr-2190	228	1	the	the	DET
afbr-2190	228	2	australian	australian	ADJ
afbr-2190	228	3	prudential	prudential	ADJ
afbr-2190	228	4	regulation	regulation	PROPN
afbr-2190	228	5	authority	authority	NOUN
afbr-2190	228	6	(	(	PUNCT
afbr-2190	228	7	apra	apra	ADV
afbr-2190	228	8	)	)	PUNCT
afbr-2190	228	9	introduced	introduce	VERB
afbr-2190	228	10	new	new	ADJ
afbr-2190	228	11	prudential	prudential	ADJ
afbr-2190	228	12	standards	standard	NOUN
afbr-2190	228	13	to	to	PART
afbr-2190	228	14	enhance	enhance	VERB
afbr-2190	228	15	capital	capital	NOUN
afbr-2190	228	16	adequacy	adequacy	NOUN
afbr-2190	228	17	,	,	PUNCT
afbr-2190	228	18	liquidity	liquidity	NOUN
afbr-2190	228	19	management	management	NOUN
afbr-2190	228	20	,	,	PUNCT
afbr-2190	228	21	and	and	CCONJ
afbr-2190	228	22	risk	risk	NOUN
afbr-2190	228	23	assessment	assessment	NOUN
afbr-2190	228	24	practices	practice	NOUN
afbr-2190	228	25	across	across	ADP
afbr-2190	228	26	the	the	DET
afbr-2190	228	27	banking	banking	NOUN
afbr-2190	228	28	sector	sector	NOUN
afbr-2190	228	29	.	.	PUNCT
afbr-2190	229	1			PROPN
afbr-2190	229	2	apra	apra	PROPN
afbr-2190	229	3	also	also	ADV
afbr-2190	229	4	implemented	implement	VERB
afbr-2190	229	5	stress	stress	NOUN
afbr-2190	229	6	testing	testing	NOUN
afbr-2190	229	7	requirements	requirement	NOUN
afbr-2190	229	8	to	to	PART
afbr-2190	229	9	assess	assess	VERB
afbr-2190	229	10	banks	bank	NOUN
afbr-2190	229	11	'	'	PART
afbr-2190	229	12	ability	ability	NOUN
afbr-2190	229	13	to	to	PART
afbr-2190	229	14	withstand	withstand	VERB
afbr-2190	229	15	adverse	adverse	ADJ
afbr-2190	229	16	economic	economic	ADJ
afbr-2190	229	17	scenarios	scenario	NOUN
afbr-2190	229	18	and	and	CCONJ
afbr-2190	229	19	ensure	ensure	VERB
afbr-2190	229	20	they	they	PRON
afbr-2190	229	21	had	have	VERB
afbr-2190	229	22	adequate	adequate	ADJ
afbr-2190	229	23	buffers	buffer	NOUN
afbr-2190	229	24	to	to	PART
afbr-2190	229	25	absorb	absorb	VERB
afbr-2190	229	26	potential	potential	ADJ
afbr-2190	229	27	losses	loss	NOUN
afbr-2190	229	28	.	.	PUNCT
afbr-2190	230	1			PUNCT
afbr-2190	231	1	the	the	DET
afbr-2190	231	2	reserve	reserve	PROPN
afbr-2190	231	3	bank	bank	PROPN
afbr-2190	231	4	of	of	ADP
afbr-2190	231	5	australia	australia	PROPN
afbr-2190	231	6	(	(	PUNCT
afbr-2190	231	7	rba	rba	NOUN
afbr-2190	231	8	)	)	PUNCT
afbr-2190	231	9	implemented	implement	VERB
afbr-2190	231	10	monetary	monetary	ADJ
afbr-2190	231	11	policy	policy	NOUN
afbr-2190	231	12	measures	measure	NOUN
afbr-2190	231	13	,	,	PUNCT
afbr-2190	231	14	including	include	VERB
afbr-2190	231	15	interest	interest	NOUN
afbr-2190	231	16	rate	rate	NOUN
afbr-2190	231	17	cuts	cut	NOUN
afbr-2190	231	18	and	and	CCONJ
afbr-2190	231	19	liquidity	liquidity	NOUN
afbr-2190	231	20	injections	injection	NOUN
afbr-2190	231	21	,	,	PUNCT
afbr-2190	231	22	to	to	PART
afbr-2190	231	23	support	support	VERB
afbr-2190	231	24	economic	economic	ADJ
afbr-2190	231	25	growth	growth	NOUN
afbr-2190	231	26	,	,	PUNCT
afbr-2190	231	27	stabilize	stabilize	VERB
afbr-2190	231	28	financial	financial	ADJ
afbr-2190	231	29	markets	market	NOUN
afbr-2190	231	30	,	,	PUNCT
afbr-2190	231	31	and	and	CCONJ
afbr-2190	231	32	ease	ease	VERB
afbr-2190	231	33	funding	funding	NOUN
afbr-2190	231	34	pressures	pressure	NOUN
afbr-2190	231	35	on	on	ADP
afbr-2190	231	36	banks	bank	NOUN
afbr-2190	231	37	.	.	PUNCT
afbr-2190	232	1			PUNCT
afbr-2190	232	2	additionally	additionally	ADV
afbr-2190	232	3	,	,	PUNCT
afbr-2190	232	4	the	the	DET
afbr-2190	232	5	australian	australian	ADJ
afbr-2190	232	6	government	government	NOUN
afbr-2190	232	7	introduced	introduce	VERB
afbr-2190	232	8	fiscal	fiscal	ADJ
afbr-2190	232	9	stimulus	stimulus	ADJ
afbr-2190	232	10	packages	package	NOUN
afbr-2190	232	11	to	to	PART
afbr-2190	232	12	boost	boost	VERB
afbr-2190	232	13	domestic	domestic	ADJ
afbr-2190	232	14	demand	demand	NOUN
afbr-2190	232	15	,	,	PUNCT
afbr-2190	232	16	support	support	NOUN
afbr-2190	232	17	employment	employment	NOUN
afbr-2190	232	18	,	,	PUNCT
afbr-2190	232	19	and	and	CCONJ
afbr-2190	232	20	stimulate	stimulate	VERB
afbr-2190	232	21	economic	economic	ADJ
afbr-2190	232	22	activity	activity	NOUN
afbr-2190	232	23	,	,	PUNCT
afbr-2190	232	24	thereby	thereby	ADV
afbr-2190	232	25	alleviating	alleviate	VERB
afbr-2190	232	26	some	some	PRON
afbr-2190	232	27	of	of	ADP
afbr-2190	232	28	the	the	DET
afbr-2190	232	29	pressures	pressure	NOUN
afbr-2190	232	30	facing	face	VERB
afbr-2190	232	31	the	the	DET
afbr-2190	232	32	banking	banking	NOUN
afbr-2190	232	33	sector	sector	NOUN
afbr-2190	232	34	.	.	PUNCT
afbr-2190	233	1	longer	long	ADJ
afbr-2190	233	2	-	-	PUNCT
afbr-2190	233	3	term	term	NOUN
afbr-2190	233	4	implications	implication	NOUN
afbr-2190	233	5			VERB
afbr-2190	233	6	the	the	DET
afbr-2190	233	7	gfc	gfc	NOUN
afbr-2190	233	8	prompted	prompt	VERB
afbr-2190	233	9	a	a	DET
afbr-2190	233	10	reassessment	reassessment	NOUN
afbr-2190	233	11	of	of	ADP
afbr-2190	233	12	risk	risk	NOUN
afbr-2190	233	13	management	management	NOUN
afbr-2190	233	14	practices	practice	NOUN
afbr-2190	233	15	and	and	CCONJ
afbr-2190	233	16	regulatory	regulatory	ADJ
afbr-2190	233	17	frameworks	framework	NOUN
afbr-2190	233	18	within	within	ADP
afbr-2190	233	19	the	the	DET
afbr-2190	233	20	australian	australian	ADJ
afbr-2190	233	21	banking	banking	NOUN
afbr-2190	233	22	sector	sector	NOUN
afbr-2190	233	23	,	,	PUNCT
afbr-2190	233	24	leading	lead	VERB
afbr-2190	233	25	to	to	ADP
afbr-2190	233	26	a	a	DET
afbr-2190	233	27	greater	great	ADJ
afbr-2190	233	28	emphasis	emphasis	NOUN
afbr-2190	233	29	on	on	ADP
afbr-2190	233	30	resilience	resilience	NOUN
afbr-2190	233	31	,	,	PUNCT
afbr-2190	233	32	transparency	transparency	NOUN
afbr-2190	233	33	,	,	PUNCT
afbr-2190	233	34	and	and	CCONJ
afbr-2190	233	35	accountability	accountability	NOUN
afbr-2190	233	36	.	.	PUNCT
afbr-2190	234	1			PUNCT
afbr-2190	235	1	australian	australian	ADJ
afbr-2190	235	2	banks	bank	NOUN
afbr-2190	235	3	increased	increase	VERB
afbr-2190	235	4	their	their	PRON
afbr-2190	235	5	focus	focus	NOUN
afbr-2190	235	6	on	on	ADP
afbr-2190	235	7	building	build	VERB
afbr-2190	235	8	robust	robust	ADJ
afbr-2190	235	9	risk	risk	NOUN
afbr-2190	235	10	management	management	NOUN
afbr-2190	235	11	systems	system	NOUN
afbr-2190	235	12	,	,	PUNCT
afbr-2190	235	13	enhancing	enhance	VERB
afbr-2190	235	14	governance	governance	NOUN
afbr-2190	235	15	structures	structure	NOUN
afbr-2190	235	16	,	,	PUNCT
afbr-2190	235	17	and	and	CCONJ
afbr-2190	235	18	improving	improve	VERB
afbr-2190	235	19	capital	capital	NOUN
afbr-2190	235	20	and	and	CCONJ
afbr-2190	235	21	liquidity	liquidity	NOUN
afbr-2190	235	22	management	management	NOUN
afbr-2190	235	23	practices	practice	NOUN
afbr-2190	235	24	to	to	PART
afbr-2190	235	25	better	well	ADV
afbr-2190	235	26	withstand	withstand	VERB
afbr-2190	235	27	future	future	ADJ
afbr-2190	235	28	financial	financial	ADJ
afbr-2190	235	29	shocks	shock	NOUN
afbr-2190	235	30	.	.	PUNCT
afbr-2190	236	1	jakaria	jakaria	PROPN
afbr-2190	236	2	,	,	PUNCT
afbr-2190	236	3	australian	australian	ADJ
afbr-2190	236	4	finance	finance	NOUN
afbr-2190	236	5	&	&	CCONJ
afbr-2190	236	6	banking	banking	PROPN
afbr-2190	236	7	review	review	NOUN
afbr-2190	236	8	7(1	7(1	NUM
afbr-2190	236	9	)	)	PUNCT
afbr-2190	236	10	(	(	PUNCT
afbr-2190	236	11	2023	2023	NUM
afbr-2190	236	12	)	)	PUNCT
afbr-2190	236	13	,	,	PUNCT
afbr-2190	236	14	9	9	NUM
afbr-2190	236	15	-	-	SYM
afbr-2190	236	16	29	29	NUM
afbr-2190	236	17	17	17	NUM
afbr-2190	236	18			NOUN
afbr-2190	236	19	the	the	DET
afbr-2190	236	20	crisis	crisis	NOUN
afbr-2190	236	21	also	also	ADV
afbr-2190	236	22	spurred	spur	VERB
afbr-2190	236	23	efforts	effort	NOUN
afbr-2190	236	24	to	to	PART
afbr-2190	236	25	enhance	enhance	VERB
afbr-2190	236	26	international	international	ADJ
afbr-2190	236	27	cooperation	cooperation	NOUN
afbr-2190	236	28	and	and	CCONJ
afbr-2190	236	29	coordination	coordination	NOUN
afbr-2190	236	30	on	on	ADP
afbr-2190	236	31	regulatory	regulatory	ADJ
afbr-2190	236	32	issues	issue	NOUN
afbr-2190	236	33	,	,	PUNCT
afbr-2190	236	34	as	as	SCONJ
afbr-2190	236	35	policymakers	policymaker	NOUN
afbr-2190	236	36	sought	seek	VERB
afbr-2190	236	37	to	to	PART
afbr-2190	236	38	address	address	VERB
afbr-2190	236	39	the	the	DET
afbr-2190	236	40	global	global	ADJ
afbr-2190	236	41	nature	nature	NOUN
afbr-2190	236	42	of	of	ADP
afbr-2190	236	43	systemic	systemic	ADJ
afbr-2190	236	44	risks	risk	NOUN
afbr-2190	236	45	and	and	CCONJ
afbr-2190	236	46	prevent	prevent	VERB
afbr-2190	236	47	future	future	ADJ
afbr-2190	236	48	financial	financial	ADJ
afbr-2190	236	49	crises	crisis	NOUN
afbr-2190	236	50	from	from	ADP
afbr-2190	236	51	occurring	occur	VERB
afbr-2190	236	52	.	.	PUNCT
afbr-2190	237	1	in	in	ADP
afbr-2190	237	2	conclusion	conclusion	NOUN
afbr-2190	237	3	,	,	PUNCT
afbr-2190	237	4	while	while	SCONJ
afbr-2190	237	5	the	the	DET
afbr-2190	237	6	australian	australian	ADJ
afbr-2190	237	7	banking	banking	NOUN
afbr-2190	237	8	sector	sector	NOUN
afbr-2190	237	9	weathered	weather	VERB
afbr-2190	237	10	the	the	DET
afbr-2190	237	11	global	global	ADJ
afbr-2190	237	12	financial	financial	ADJ
afbr-2190	237	13	crisis	crisis	NOUN
afbr-2190	237	14	relatively	relatively	ADV
afbr-2190	237	15	well	well	ADV
afbr-2190	237	16	compared	compare	VERB
afbr-2190	237	17	to	to	ADP
afbr-2190	237	18	many	many	ADJ
afbr-2190	237	19	other	other	ADJ
afbr-2190	237	20	countries	country	NOUN
afbr-2190	237	21	,	,	PUNCT
afbr-2190	237	22	the	the	DET
afbr-2190	237	23	crisis	crisis	NOUN
afbr-2190	237	24	underscored	underscore	VERB
afbr-2190	237	25	the	the	DET
afbr-2190	237	26	importance	importance	NOUN
afbr-2190	237	27	of	of	ADP
afbr-2190	237	28	robust	robust	ADJ
afbr-2190	237	29	regulatory	regulatory	ADJ
afbr-2190	237	30	frameworks	framework	NOUN
afbr-2190	237	31	and	and	CCONJ
afbr-2190	237	32	prudent	prudent	ADJ
afbr-2190	237	33	risk	risk	NOUN
afbr-2190	237	34	management	management	NOUN
afbr-2190	237	35	practices	practice	NOUN
afbr-2190	237	36	in	in	ADP
afbr-2190	237	37	safeguarding	safeguard	VERB
afbr-2190	237	38	financial	financial	ADJ
afbr-2190	237	39	stability	stability	NOUN
afbr-2190	237	40	.	.	PUNCT
afbr-2190	238	1	the	the	DET
afbr-2190	238	2	regulatory	regulatory	ADJ
afbr-2190	238	3	responses	response	NOUN
afbr-2190	238	4	implemented	implement	VERB
afbr-2190	238	5	in	in	ADP
afbr-2190	238	6	the	the	DET
afbr-2190	238	7	aftermath	aftermath	NOUN
afbr-2190	238	8	of	of	ADP
afbr-2190	238	9	the	the	DET
afbr-2190	238	10	gfc	gfc	NOUN
afbr-2190	238	11	have	have	AUX
afbr-2190	238	12	strengthened	strengthen	VERB
afbr-2190	238	13	the	the	DET
afbr-2190	238	14	resilience	resilience	NOUN
afbr-2190	238	15	of	of	ADP
afbr-2190	238	16	the	the	DET
afbr-2190	238	17	australian	australian	ADJ
afbr-2190	238	18	banking	banking	NOUN
afbr-2190	238	19	sector	sector	NOUN
afbr-2190	238	20	and	and	CCONJ
afbr-2190	238	21	positioned	position	VERB
afbr-2190	238	22	it	it	PRON
afbr-2190	238	23	well	well	ADV
afbr-2190	238	24	to	to	PART
afbr-2190	238	25	navigate	navigate	VERB
afbr-2190	238	26	future	future	ADJ
afbr-2190	238	27	challenges	challenge	NOUN
afbr-2190	238	28	and	and	CCONJ
afbr-2190	238	29	uncertainties	uncertainty	NOUN
afbr-2190	238	30	.	.	PUNCT
afbr-2190	239	1	covid-19	covid-19	PROPN
afbr-2190	239	2	pandemic	pandemic	ADJ
afbr-2190	239	3	:	:	PUNCT
afbr-2190	239	4	challenges	challenge	NOUN
afbr-2190	239	5	and	and	CCONJ
afbr-2190	239	6	responses	response	NOUN
afbr-2190	239	7	in	in	ADP
afbr-2190	239	8	maintaining	maintain	VERB
afbr-2190	239	9	financial	financial	ADJ
afbr-2190	239	10	stability	stability	NOUN
afbr-2190	239	11	and	and	CCONJ
afbr-2190	239	12	supporting	support	VERB
afbr-2190	239	13	the	the	DET
afbr-2190	239	14	economy	economy	NOUN
afbr-2190	239	15	.	.	PUNCT
afbr-2190	240	1	the	the	DET
afbr-2190	240	2	covid-19	covid-19	PROPN
afbr-2190	240	3	pandemic	pandemic	NOUN
afbr-2190	240	4	,	,	PUNCT
afbr-2190	240	5	which	which	PRON
afbr-2190	240	6	emerged	emerge	VERB
afbr-2190	240	7	in	in	ADP
afbr-2190	240	8	late	late	ADJ
afbr-2190	240	9	2019	2019	NUM
afbr-2190	240	10	and	and	CCONJ
afbr-2190	240	11	rapidly	rapidly	ADV
afbr-2190	240	12	spread	spread	VERB
afbr-2190	240	13	across	across	ADP
afbr-2190	240	14	the	the	DET
afbr-2190	240	15	globe	globe	NOUN
afbr-2190	240	16	,	,	PUNCT
afbr-2190	240	17	presented	present	VERB
afbr-2190	240	18	unprecedented	unprecedented	ADJ
afbr-2190	240	19	challenges	challenge	NOUN
afbr-2190	240	20	to	to	ADP
afbr-2190	240	21	the	the	DET
afbr-2190	240	22	australian	australian	ADJ
afbr-2190	240	23	economy	economy	NOUN
afbr-2190	240	24	and	and	CCONJ
afbr-2190	240	25	financial	financial	ADJ
afbr-2190	240	26	system	system	NOUN
afbr-2190	240	27	.	.	PUNCT
afbr-2190	241	1	as	as	SCONJ
afbr-2190	241	2	the	the	DET
afbr-2190	241	3	pandemic	pandemic	ADJ
afbr-2190	241	4	unfolded	unfold	VERB
afbr-2190	241	5	,	,	PUNCT
afbr-2190	241	6	policymakers	policymaker	NOUN
afbr-2190	241	7	and	and	CCONJ
afbr-2190	241	8	regulatory	regulatory	ADJ
afbr-2190	241	9	authorities	authority	NOUN
afbr-2190	241	10	faced	face	VERB
afbr-2190	241	11	the	the	DET
afbr-2190	241	12	daunting	daunting	ADJ
afbr-2190	241	13	task	task	NOUN
afbr-2190	241	14	of	of	ADP
afbr-2190	241	15	maintaining	maintain	VERB
afbr-2190	241	16	financial	financial	ADJ
afbr-2190	241	17	stability	stability	NOUN
afbr-2190	241	18	and	and	CCONJ
afbr-2190	241	19	supporting	support	VERB
afbr-2190	241	20	the	the	DET
afbr-2190	241	21	economy	economy	NOUN
afbr-2190	241	22	amidst	amidst	ADP
afbr-2190	241	23	widespread	widespread	ADJ
afbr-2190	241	24	disruptions	disruption	NOUN
afbr-2190	241	25	and	and	CCONJ
afbr-2190	241	26	uncertainties	uncertainty	NOUN
afbr-2190	241	27	.	.	PUNCT
afbr-2190	242	1	economic	economic	ADJ
afbr-2190	242	2	disruptions	disruption	NOUN
afbr-2190	242	3			VERB
afbr-2190	242	4	the	the	DET
afbr-2190	242	5	covid-19	covid-19	PROPN
afbr-2190	242	6	pandemic	pandemic	NOUN
afbr-2190	242	7	triggered	trigger	VERB
afbr-2190	242	8	a	a	DET
afbr-2190	242	9	severe	severe	ADJ
afbr-2190	242	10	economic	economic	ADJ
afbr-2190	242	11	downturn	downturn	NOUN
afbr-2190	242	12	in	in	ADP
afbr-2190	242	13	australia	australia	PROPN
afbr-2190	242	14	,	,	PUNCT
afbr-2190	242	15	marked	mark	VERB
afbr-2190	242	16	by	by	ADP
afbr-2190	242	17	sharp	sharp	ADJ
afbr-2190	242	18	declines	decline	NOUN
afbr-2190	242	19	in	in	ADP
afbr-2190	242	20	economic	economic	ADJ
afbr-2190	242	21	activity	activity	NOUN
afbr-2190	242	22	,	,	PUNCT
afbr-2190	242	23	employment	employment	NOUN
afbr-2190	242	24	losses	loss	NOUN
afbr-2190	242	25	,	,	PUNCT
afbr-2190	242	26	and	and	CCONJ
afbr-2190	242	27	business	business	NOUN
afbr-2190	242	28	closures	closure	NOUN
afbr-2190	242	29	.	.	PUNCT
afbr-2190	243	1			PROPN
afbr-2190	243	2	lockdown	lockdown	NOUN
afbr-2190	243	3	measures	measure	NOUN
afbr-2190	243	4	and	and	CCONJ
afbr-2190	243	5	social	social	ADJ
afbr-2190	243	6	distancing	distancing	NOUN
afbr-2190	243	7	restrictions	restriction	NOUN
afbr-2190	243	8	implemented	implement	VERB
afbr-2190	243	9	to	to	PART
afbr-2190	243	10	contain	contain	VERB
afbr-2190	243	11	the	the	DET
afbr-2190	243	12	spread	spread	NOUN
afbr-2190	243	13	of	of	ADP
afbr-2190	243	14	the	the	DET
afbr-2190	243	15	virus	virus	NOUN
afbr-2190	243	16	led	lead	VERB
afbr-2190	243	17	to	to	ADP
afbr-2190	243	18	disruptions	disruption	NOUN
afbr-2190	243	19	in	in	ADP
afbr-2190	243	20	supply	supply	NOUN
afbr-2190	243	21	chains	chain	NOUN
afbr-2190	243	22	,	,	PUNCT
afbr-2190	243	23	reduced	reduce	VERB
afbr-2190	243	24	consumer	consumer	NOUN
afbr-2190	243	25	spending	spending	NOUN
afbr-2190	243	26	,	,	PUNCT
afbr-2190	243	27	and	and	CCONJ
afbr-2190	243	28	contraction	contraction	NOUN
afbr-2190	243	29	in	in	ADP
afbr-2190	243	30	key	key	ADJ
afbr-2190	243	31	sectors	sector	NOUN
afbr-2190	243	32	such	such	ADJ
afbr-2190	243	33	as	as	ADP
afbr-2190	243	34	tourism	tourism	NOUN
afbr-2190	243	35	,	,	PUNCT
afbr-2190	243	36	hospitality	hospitality	NOUN
afbr-2190	243	37	,	,	PUNCT
afbr-2190	243	38	and	and	CCONJ
afbr-2190	243	39	retail	retail	NOUN
afbr-2190	243	40	.	.	PUNCT
afbr-2190	243	41			VERB
afbr-2190	244	1	the	the	DET
afbr-2190	244	2	economic	economic	ADJ
afbr-2190	244	3	fallout	fallout	NOUN
afbr-2190	244	4	from	from	ADP
afbr-2190	244	5	the	the	DET
afbr-2190	244	6	pandemic	pandemic	NOUN
afbr-2190	244	7	also	also	ADV
afbr-2190	244	8	exacerbated	exacerbate	VERB
afbr-2190	244	9	pre	pre	ADJ
afbr-2190	244	10	-	-	ADJ
afbr-2190	244	11	existing	existing	ADJ
afbr-2190	244	12	vulnerabilities	vulnerability	NOUN
afbr-2190	244	13	,	,	PUNCT
afbr-2190	244	14	including	include	VERB
afbr-2190	244	15	high	high	ADJ
afbr-2190	244	16	household	household	NOUN
afbr-2190	244	17	debt	debt	NOUN
afbr-2190	244	18	levels	level	NOUN
afbr-2190	244	19	,	,	PUNCT
afbr-2190	244	20	housing	housing	NOUN
afbr-2190	244	21	market	market	NOUN
afbr-2190	244	22	imbalances	imbalance	NOUN
afbr-2190	244	23	,	,	PUNCT
afbr-2190	244	24	and	and	CCONJ
afbr-2190	244	25	dependence	dependence	NOUN
afbr-2190	244	26	on	on	ADP
afbr-2190	244	27	international	international	ADJ
afbr-2190	244	28	trade	trade	NOUN
afbr-2190	244	29	and	and	CCONJ
afbr-2190	244	30	tourism	tourism	NOUN
afbr-2190	244	31	.	.	PUNCT
afbr-2190	245	1	financial	financial	ADJ
afbr-2190	245	2	stability	stability	NOUN
afbr-2190	245	3	concerns	concern	NOUN
afbr-2190	245	4			VERB
afbr-2190	246	1	the	the	DET
afbr-2190	246	2	economic	economic	ADJ
afbr-2190	246	3	disruptions	disruption	NOUN
afbr-2190	246	4	caused	cause	VERB
afbr-2190	246	5	by	by	ADP
afbr-2190	246	6	the	the	DET
afbr-2190	246	7	pandemic	pandemic	ADJ
afbr-2190	246	8	raised	raise	VERB
afbr-2190	246	9	concerns	concern	NOUN
afbr-2190	246	10	about	about	ADP
afbr-2190	246	11	financial	financial	ADJ
afbr-2190	246	12	stability	stability	NOUN
afbr-2190	246	13	,	,	PUNCT
afbr-2190	246	14	as	as	SCONJ
afbr-2190	246	15	businesses	business	NOUN
afbr-2190	246	16	faced	face	VERB
afbr-2190	246	17	liquidity	liquidity	NOUN
afbr-2190	246	18	pressures	pressure	NOUN
afbr-2190	246	19	,	,	PUNCT
afbr-2190	246	20	borrowers	borrower	NOUN
afbr-2190	246	21	struggled	struggle	VERB
afbr-2190	246	22	to	to	ADP
afbr-2190	246	23	service	service	NOUN
afbr-2190	246	24	debts	debt	NOUN
afbr-2190	246	25	,	,	PUNCT
afbr-2190	246	26	and	and	CCONJ
afbr-2190	246	27	asset	asset	NOUN
afbr-2190	246	28	prices	price	NOUN
afbr-2190	246	29	experienced	experience	VERB
afbr-2190	246	30	volatility	volatility	NOUN
afbr-2190	246	31	.	.	PUNCT
afbr-2190	247	1			X
afbr-2190	248	1	australian	australian	ADJ
afbr-2190	248	2	banks	bank	NOUN
afbr-2190	248	3	,	,	PUNCT
afbr-2190	248	4	while	while	SCONJ
afbr-2190	248	5	well	well	ADV
afbr-2190	248	6	-	-	PUNCT
afbr-2190	248	7	capitalized	capitalize	VERB
afbr-2190	248	8	and	and	CCONJ
afbr-2190	248	9	profitable	profitable	ADJ
afbr-2190	248	10	,	,	PUNCT
afbr-2190	248	11	braced	brace	VERB
afbr-2190	248	12	for	for	ADP
afbr-2190	248	13	an	an	DET
afbr-2190	248	14	increase	increase	NOUN
afbr-2190	248	15	in	in	ADP
afbr-2190	248	16	non	non	ADJ
afbr-2190	248	17	-	-	ADJ
afbr-2190	248	18	performing	performing	ADJ
afbr-2190	248	19	loans	loan	NOUN
afbr-2190	248	20	and	and	CCONJ
afbr-2190	248	21	credit	credit	NOUN
afbr-2190	248	22	losses	loss	NOUN
afbr-2190	248	23	as	as	SCONJ
afbr-2190	248	24	the	the	DET
afbr-2190	248	25	economic	economic	ADJ
afbr-2190	248	26	outlook	outlook	NOUN
afbr-2190	248	27	deteriorated	deteriorate	VERB
afbr-2190	248	28	and	and	CCONJ
afbr-2190	248	29	unemployment	unemployment	NOUN
afbr-2190	248	30	rose	rise	VERB
afbr-2190	248	31	.	.	PUNCT
afbr-2190	248	32			PUNCT
afbr-2190	249	1	the	the	DET
afbr-2190	249	2	reserve	reserve	PROPN
afbr-2190	249	3	bank	bank	PROPN
afbr-2190	249	4	of	of	ADP
afbr-2190	249	5	australia	australia	PROPN
afbr-2190	249	6	(	(	PUNCT
afbr-2190	249	7	rba	rba	NOUN
afbr-2190	249	8	)	)	PUNCT
afbr-2190	249	9	and	and	CCONJ
afbr-2190	249	10	the	the	DET
afbr-2190	249	11	australian	australian	ADJ
afbr-2190	249	12	prudential	prudential	ADJ
afbr-2190	249	13	regulation	regulation	PROPN
afbr-2190	249	14	authority	authority	NOUN
afbr-2190	249	15	(	(	PUNCT
afbr-2190	249	16	apra	apra	ADV
afbr-2190	249	17	)	)	PUNCT
afbr-2190	249	18	closely	closely	ADV
afbr-2190	249	19	monitored	monitor	VERB
afbr-2190	249	20	financial	financial	ADJ
afbr-2190	249	21	markets	market	NOUN
afbr-2190	249	22	and	and	CCONJ
afbr-2190	249	23	worked	work	VERB
afbr-2190	249	24	to	to	PART
afbr-2190	249	25	ensure	ensure	VERB
afbr-2190	249	26	the	the	DET
afbr-2190	249	27	stability	stability	NOUN
afbr-2190	249	28	of	of	ADP
afbr-2190	249	29	the	the	DET
afbr-2190	249	30	banking	banking	NOUN
afbr-2190	249	31	sector	sector	NOUN
afbr-2190	249	32	through	through	ADP
afbr-2190	249	33	liquidity	liquidity	NOUN
afbr-2190	249	34	support	support	NOUN
afbr-2190	249	35	measures	measure	NOUN
afbr-2190	249	36	,	,	PUNCT
afbr-2190	249	37	regulatory	regulatory	ADJ
afbr-2190	249	38	forbearance	forbearance	NOUN
afbr-2190	249	39	,	,	PUNCT
afbr-2190	249	40	and	and	CCONJ
afbr-2190	249	41	stress	stress	NOUN
afbr-2190	249	42	testing	testing	NOUN
afbr-2190	249	43	exercises	exercise	NOUN
afbr-2190	249	44	.	.	PUNCT
afbr-2190	250	1	policy	policy	NOUN
afbr-2190	250	2	responses	response	NOUN
afbr-2190	250	3			VERB
afbr-2190	250	4	in	in	ADP
afbr-2190	250	5	response	response	NOUN
afbr-2190	250	6	to	to	ADP
afbr-2190	250	7	the	the	DET
afbr-2190	250	8	economic	economic	ADJ
afbr-2190	250	9	fallout	fallout	NOUN
afbr-2190	250	10	from	from	ADP
afbr-2190	250	11	the	the	DET
afbr-2190	250	12	pandemic	pandemic	ADJ
afbr-2190	250	13	,	,	PUNCT
afbr-2190	250	14	australian	australian	ADJ
afbr-2190	250	15	policymakers	policymaker	NOUN
afbr-2190	250	16	implemented	implement	VERB
afbr-2190	250	17	a	a	DET
afbr-2190	250	18	range	range	NOUN
afbr-2190	250	19	of	of	ADP
afbr-2190	250	20	fiscal	fiscal	ADJ
afbr-2190	250	21	and	and	CCONJ
afbr-2190	250	22	monetary	monetary	ADJ
afbr-2190	250	23	measures	measure	NOUN
afbr-2190	250	24	to	to	PART
afbr-2190	250	25	support	support	VERB
afbr-2190	250	26	households	household	NOUN
afbr-2190	250	27	,	,	PUNCT
afbr-2190	250	28	businesses	business	NOUN
afbr-2190	250	29	,	,	PUNCT
afbr-2190	250	30	and	and	CCONJ
afbr-2190	250	31	financial	financial	ADJ
afbr-2190	250	32	markets	market	NOUN
afbr-2190	250	33	.	.	PUNCT
afbr-2190	251	1			VERB
afbr-2190	252	1	the	the	DET
afbr-2190	252	2	australian	australian	ADJ
afbr-2190	252	3	government	government	NOUN
afbr-2190	252	4	rolled	roll	VERB
afbr-2190	252	5	out	out	ADP
afbr-2190	252	6	substantial	substantial	ADJ
afbr-2190	252	7	fiscal	fiscal	ADJ
afbr-2190	252	8	stimulus	stimulus	ADJ
afbr-2190	252	9	packages	package	NOUN
afbr-2190	252	10	,	,	PUNCT
afbr-2190	252	11	including	include	VERB
afbr-2190	252	12	wage	wage	NOUN
afbr-2190	252	13	subsidies	subsidy	NOUN
afbr-2190	252	14	,	,	PUNCT
afbr-2190	252	15	income	income	NOUN
afbr-2190	252	16	support	support	NOUN
afbr-2190	252	17	payments	payment	NOUN
afbr-2190	252	18	,	,	PUNCT
afbr-2190	252	19	and	and	CCONJ
afbr-2190	252	20	business	business	NOUN
afbr-2190	252	21	grants	grant	NOUN
afbr-2190	252	22	,	,	PUNCT
afbr-2190	252	23	to	to	PART
afbr-2190	252	24	cushion	cushion	VERB
afbr-2190	252	25	the	the	DET
afbr-2190	252	26	impact	impact	NOUN
afbr-2190	252	27	of	of	ADP
afbr-2190	252	28	the	the	DET
afbr-2190	252	29	pandemic	pandemic	NOUN
afbr-2190	252	30	on	on	ADP
afbr-2190	252	31	household	household	NOUN
afbr-2190	252	32	incomes	income	NOUN
afbr-2190	252	33	and	and	CCONJ
afbr-2190	252	34	maintain	maintain	VERB
afbr-2190	252	35	business	business	NOUN
afbr-2190	252	36	viability	viability	NOUN
afbr-2190	252	37	.	.	PUNCT
afbr-2190	253	1			PROPN
afbr-2190	254	1	the	the	DET
afbr-2190	254	2	reserve	reserve	PROPN
afbr-2190	254	3	bank	bank	PROPN
afbr-2190	254	4	of	of	ADP
afbr-2190	254	5	australia	australia	PROPN
afbr-2190	254	6	(	(	PUNCT
afbr-2190	254	7	rba	rba	NOUN
afbr-2190	254	8	)	)	PUNCT
afbr-2190	254	9	implemented	implement	VERB
afbr-2190	254	10	monetary	monetary	ADJ
afbr-2190	254	11	policy	policy	NOUN
afbr-2190	254	12	measures	measure	NOUN
afbr-2190	254	13	,	,	PUNCT
afbr-2190	254	14	including	include	VERB
afbr-2190	254	15	interest	interest	NOUN
afbr-2190	254	16	rate	rate	NOUN
afbr-2190	254	17	cuts	cut	NOUN
afbr-2190	254	18	,	,	PUNCT
afbr-2190	254	19	quantitative	quantitative	ADJ
afbr-2190	254	20	easing	easing	NOUN
afbr-2190	254	21	,	,	PUNCT
afbr-2190	254	22	and	and	CCONJ
afbr-2190	254	23	yield	yield	VERB
afbr-2190	254	24	curve	curve	NOUN
afbr-2190	254	25	control	control	NOUN
afbr-2190	254	26	,	,	PUNCT
afbr-2190	254	27	to	to	PART
afbr-2190	254	28	support	support	VERB
afbr-2190	254	29	liquidity	liquidity	NOUN
afbr-2190	254	30	conditions	condition	NOUN
afbr-2190	254	31	,	,	PUNCT
afbr-2190	254	32	lower	low	ADJ
afbr-2190	254	33	borrowing	borrowing	NOUN
afbr-2190	254	34	costs	cost	NOUN
afbr-2190	254	35	,	,	PUNCT
afbr-2190	254	36	and	and	CCONJ
afbr-2190	254	37	facilitate	facilitate	VERB
afbr-2190	254	38	credit	credit	NOUN
afbr-2190	254	39	flows	flow	NOUN
afbr-2190	254	40	to	to	ADP
afbr-2190	254	41	the	the	DET
afbr-2190	254	42	economy	economy	NOUN
afbr-2190	254	43	.	.	PUNCT
afbr-2190	255	1			X
afbr-2190	256	1	regulatory	regulatory	ADJ
afbr-2190	256	2	authorities	authority	NOUN
afbr-2190	256	3	,	,	PUNCT
afbr-2190	256	4	including	include	VERB
afbr-2190	256	5	apra	apra	NOUN
afbr-2190	256	6	and	and	CCONJ
afbr-2190	256	7	the	the	DET
afbr-2190	256	8	australian	australian	ADJ
afbr-2190	256	9	securities	security	NOUN
afbr-2190	256	10	and	and	CCONJ
afbr-2190	256	11	investments	investment	NOUN
afbr-2190	256	12	commission	commission	PROPN
afbr-2190	256	13	(	(	PUNCT
afbr-2190	256	14	asic	asic	PROPN
afbr-2190	256	15	)	)	PUNCT
afbr-2190	256	16	,	,	PUNCT
afbr-2190	256	17	provided	provide	VERB
afbr-2190	256	18	regulatory	regulatory	ADJ
afbr-2190	256	19	relief	relief	NOUN
afbr-2190	256	20	and	and	CCONJ
afbr-2190	256	21	flexibility	flexibility	NOUN
afbr-2190	256	22	to	to	ADP
afbr-2190	256	23	financial	financial	ADJ
afbr-2190	256	24	institutions	institution	NOUN
afbr-2190	256	25	,	,	PUNCT
afbr-2190	256	26	allowing	allow	VERB
afbr-2190	256	27	them	they	PRON
afbr-2190	256	28	to	to	PART
afbr-2190	256	29	offer	offer	VERB
afbr-2190	256	30	loan	loan	NOUN
afbr-2190	256	31	repayment	repayment	NOUN
afbr-2190	256	32	deferrals	deferral	NOUN
afbr-2190	256	33	,	,	PUNCT
afbr-2190	256	34	loan	loan	NOUN
afbr-2190	256	35	restructuring	restructuring	NOUN
afbr-2190	256	36	,	,	PUNCT
afbr-2190	256	37	and	and	CCONJ
afbr-2190	256	38	other	other	ADJ
afbr-2190	256	39	forms	form	NOUN
afbr-2190	256	40	of	of	ADP
afbr-2190	256	41	support	support	NOUN
afbr-2190	256	42	to	to	ADP
afbr-2190	256	43	borrowers	borrower	NOUN
afbr-2190	256	44	facing	face	VERB
afbr-2190	256	45	financial	financial	ADJ
afbr-2190	256	46	hardship	hardship	NOUN
afbr-2190	256	47	.	.	PUNCT
afbr-2190	257	1	recovery	recovery	NOUN
afbr-2190	257	2	and	and	CCONJ
afbr-2190	257	3	resilience	resilience	NOUN
afbr-2190	257	4			ADJ
afbr-2190	257	5	as	as	ADP
afbr-2190	257	6	vaccination	vaccination	NOUN
afbr-2190	257	7	efforts	effort	NOUN
afbr-2190	257	8	ramped	ramp	VERB
afbr-2190	257	9	up	up	ADP
afbr-2190	257	10	and	and	CCONJ
afbr-2190	257	11	restrictions	restriction	NOUN
afbr-2190	257	12	eased	ease	VERB
afbr-2190	257	13	,	,	PUNCT
afbr-2190	257	14	australia	australia	PROPN
afbr-2190	257	15	embarked	embark	VERB
afbr-2190	257	16	on	on	ADP
afbr-2190	257	17	a	a	DET
afbr-2190	257	18	path	path	NOUN
afbr-2190	257	19	towards	towards	ADP
afbr-2190	257	20	economic	economic	ADJ
afbr-2190	257	21	recovery	recovery	NOUN
afbr-2190	257	22	,	,	PUNCT
afbr-2190	257	23	supported	support	VERB
afbr-2190	257	24	by	by	ADP
afbr-2190	257	25	the	the	DET
afbr-2190	257	26	success	success	NOUN
afbr-2190	257	27	in	in	ADP
afbr-2190	257	28	containing	contain	VERB
afbr-2190	257	29	the	the	DET
afbr-2190	257	30	spread	spread	NOUN
afbr-2190	257	31	of	of	ADP
afbr-2190	257	32	the	the	DET
afbr-2190	257	33	virus	virus	NOUN
afbr-2190	257	34	and	and	CCONJ
afbr-2190	257	35	the	the	DET
afbr-2190	257	36	resilience	resilience	NOUN
afbr-2190	257	37	of	of	ADP
afbr-2190	257	38	its	its	PRON
afbr-2190	257	39	financial	financial	ADJ
afbr-2190	257	40	system	system	NOUN
afbr-2190	257	41	.	.	PUNCT
afbr-2190	258	1			PROPN
afbr-2190	259	1	government	government	NOUN
afbr-2190	259	2	stimulus	stimulus	NOUN
afbr-2190	259	3	measures	measure	NOUN
afbr-2190	259	4	,	,	PUNCT
afbr-2190	259	5	accommodative	accommodative	ADJ
afbr-2190	259	6	monetary	monetary	ADJ
afbr-2190	259	7	policy	policy	NOUN
afbr-2190	259	8	,	,	PUNCT
afbr-2190	259	9	and	and	CCONJ
afbr-2190	259	10	ongoing	ongoing	ADJ
afbr-2190	259	11	support	support	NOUN
afbr-2190	259	12	from	from	ADP
afbr-2190	259	13	regulatory	regulatory	ADJ
afbr-2190	259	14	authorities	authority	NOUN
afbr-2190	259	15	helped	help	VERB
afbr-2190	259	16	to	to	PART
afbr-2190	259	17	underpin	underpin	VERB
afbr-2190	259	18	confidence	confidence	NOUN
afbr-2190	259	19	,	,	PUNCT
afbr-2190	259	20	restore	restore	VERB
afbr-2190	259	21	business	business	NOUN
afbr-2190	259	22	activity	activity	NOUN
afbr-2190	259	23	,	,	PUNCT
afbr-2190	259	24	and	and	CCONJ
afbr-2190	259	25	fuel	fuel	VERB
afbr-2190	259	26	a	a	DET
afbr-2190	259	27	rebound	rebound	NOUN
afbr-2190	259	28	in	in	ADP
afbr-2190	259	29	economic	economic	ADJ
afbr-2190	259	30	growth	growth	NOUN
afbr-2190	259	31	.	.	PUNCT
afbr-2190	260	1			PUNCT
afbr-2190	260	2	however	however	ADV
afbr-2190	260	3	,	,	PUNCT
afbr-2190	260	4	challenges	challenge	NOUN
afbr-2190	260	5	remain	remain	VERB
afbr-2190	260	6	,	,	PUNCT
afbr-2190	260	7	including	include	VERB
afbr-2190	260	8	the	the	DET
afbr-2190	260	9	need	need	NOUN
afbr-2190	260	10	to	to	PART
afbr-2190	260	11	address	address	VERB
afbr-2190	260	12	structural	structural	ADJ
afbr-2190	260	13	imbalances	imbalance	NOUN
afbr-2190	260	14	,	,	PUNCT
afbr-2190	260	15	support	support	NOUN
afbr-2190	260	16	sectors	sector	NOUN
afbr-2190	260	17	still	still	ADV
afbr-2190	260	18	grappling	grapple	VERB
afbr-2190	260	19	with	with	ADP
afbr-2190	260	20	the	the	DET
afbr-2190	260	21	aftermath	aftermath	NOUN
afbr-2190	260	22	of	of	ADP
afbr-2190	260	23	the	the	DET
afbr-2190	260	24	pandemic	pandemic	ADJ
afbr-2190	260	25	,	,	PUNCT
afbr-2190	260	26	and	and	CCONJ
afbr-2190	260	27	navigate	navigate	VERB
afbr-2190	260	28	global	global	ADJ
afbr-2190	260	29	uncertainties	uncertainty	NOUN
afbr-2190	260	30	such	such	ADJ
afbr-2190	260	31	as	as	ADP
afbr-2190	260	32	supply	supply	NOUN
afbr-2190	260	33	chain	chain	NOUN
afbr-2190	260	34	disruptions	disruption	NOUN
afbr-2190	260	35	and	and	CCONJ
afbr-2190	260	36	geopolitical	geopolitical	ADJ
afbr-2190	260	37	tensions	tension	NOUN
afbr-2190	260	38	.	.	PUNCT
afbr-2190	261	1	in	in	ADP
afbr-2190	261	2	conclusion	conclusion	NOUN
afbr-2190	261	3	,	,	PUNCT
afbr-2190	261	4	the	the	DET
afbr-2190	261	5	covid-19	covid-19	PROPN
afbr-2190	261	6	pandemic	pandemic	NOUN
afbr-2190	261	7	presented	present	VERB
afbr-2190	261	8	unprecedented	unprecedented	ADJ
afbr-2190	261	9	challenges	challenge	NOUN
afbr-2190	261	10	to	to	ADP
afbr-2190	261	11	the	the	DET
afbr-2190	261	12	australian	australian	ADJ
afbr-2190	261	13	economy	economy	NOUN
afbr-2190	261	14	and	and	CCONJ
afbr-2190	261	15	financial	financial	ADJ
afbr-2190	261	16	system	system	NOUN
afbr-2190	261	17	,	,	PUNCT
afbr-2190	261	18	requiring	require	VERB
afbr-2190	261	19	swift	swift	ADJ
afbr-2190	261	20	and	and	CCONJ
afbr-2190	261	21	coordinated	coordinated	ADJ
afbr-2190	261	22	policy	policy	NOUN
afbr-2190	261	23	responses	response	NOUN
afbr-2190	261	24	to	to	PART
afbr-2190	261	25	maintain	maintain	VERB
afbr-2190	261	26	stability	stability	NOUN
afbr-2190	261	27	and	and	CCONJ
afbr-2190	261	28	support	support	NOUN
afbr-2190	261	29	recovery	recovery	NOUN
afbr-2190	261	30	.	.	PUNCT
afbr-2190	262	1	while	while	SCONJ
afbr-2190	262	2	significant	significant	ADJ
afbr-2190	262	3	progress	progress	NOUN
afbr-2190	262	4	has	have	AUX
afbr-2190	262	5	been	be	AUX
afbr-2190	262	6	made	make	VERB
afbr-2190	262	7	,	,	PUNCT
afbr-2190	262	8	the	the	DET
afbr-2190	262	9	road	road	NOUN
afbr-2190	262	10	to	to	ADP
afbr-2190	262	11	full	full	ADJ
afbr-2190	262	12	economic	economic	ADJ
afbr-2190	262	13	recovery	recovery	NOUN
afbr-2190	262	14	remains	remain	VERB
afbr-2190	262	15	uncertain	uncertain	ADJ
afbr-2190	262	16	,	,	PUNCT
afbr-2190	262	17	underscoring	underscore	VERB
afbr-2190	262	18	the	the	DET
afbr-2190	262	19	importance	importance	NOUN
afbr-2190	262	20	of	of	ADP
afbr-2190	262	21	continued	continue	VERB
afbr-2190	262	22	vigilance	vigilance	NOUN
afbr-2190	262	23	,	,	PUNCT
afbr-2190	262	24	resilience	resilience	NOUN
afbr-2190	262	25	,	,	PUNCT
afbr-2190	262	26	and	and	CCONJ
afbr-2190	262	27	policy	policy	NOUN
afbr-2190	262	28	adaptability	adaptability	NOUN
afbr-2190	262	29	in	in	ADP
afbr-2190	262	30	navigating	navigate	VERB
afbr-2190	262	31	the	the	DET
afbr-2190	262	32	post	post	ADJ
afbr-2190	262	33	-	-	ADJ
afbr-2190	262	34	pandemic	pandemic	ADJ
afbr-2190	262	35	landscape	landscape	NOUN
afbr-2190	262	36	.	.	PUNCT
afbr-2190	263	1	jakaria	jakaria	PROPN
afbr-2190	263	2	,	,	PUNCT
afbr-2190	263	3	australian	australian	ADJ
afbr-2190	263	4	finance	finance	NOUN
afbr-2190	263	5	&	&	CCONJ
afbr-2190	263	6	banking	banking	PROPN
afbr-2190	263	7	review	review	NOUN
afbr-2190	263	8	7(1	7(1	NUM
afbr-2190	263	9	)	)	PUNCT
afbr-2190	263	10	(	(	PUNCT
afbr-2190	263	11	2023	2023	NUM
afbr-2190	263	12	)	)	PUNCT
afbr-2190	263	13	,	,	PUNCT
afbr-2190	263	14	9	9	NUM
afbr-2190	263	15	-	-	SYM
afbr-2190	263	16	29	29	NUM
afbr-2190	263	17	18	18	NUM
afbr-2190	263	18	social	social	ADJ
afbr-2190	263	19	and	and	CCONJ
afbr-2190	263	20	environmental	environmental	ADJ
afbr-2190	263	21	responsibility	responsibility	NOUN
afbr-2190	263	22	corporate	corporate	ADJ
afbr-2190	263	23	social	social	ADJ
afbr-2190	263	24	responsibility	responsibility	NOUN
afbr-2190	263	25	(	(	PUNCT
afbr-2190	263	26	csr	csr	NOUN
afbr-2190	263	27	):	):	PUNCT
afbr-2190	263	28	banks	bank	NOUN
afbr-2190	263	29	'	'	PART
afbr-2190	263	30	role	role	NOUN
afbr-2190	263	31	in	in	ADP
afbr-2190	263	32	promoting	promote	VERB
afbr-2190	263	33	financial	financial	ADJ
afbr-2190	263	34	inclusion	inclusion	NOUN
afbr-2190	263	35	,	,	PUNCT
afbr-2190	263	36	sustainability	sustainability	NOUN
afbr-2190	263	37	,	,	PUNCT
afbr-2190	263	38	and	and	CCONJ
afbr-2190	263	39	ethical	ethical	ADJ
afbr-2190	263	40	practices	practice	NOUN
afbr-2190	263	41	.	.	PUNCT
afbr-2190	264	1	corporate	corporate	ADJ
afbr-2190	264	2	social	social	ADJ
afbr-2190	264	3	responsibility	responsibility	NOUN
afbr-2190	264	4	(	(	PUNCT
afbr-2190	264	5	csr	csr	NOUN
afbr-2190	264	6	)	)	PUNCT
afbr-2190	264	7	has	have	AUX
afbr-2190	264	8	become	become	VERB
afbr-2190	264	9	an	an	DET
afbr-2190	264	10	increasingly	increasingly	ADV
afbr-2190	264	11	important	important	ADJ
afbr-2190	264	12	aspect	aspect	NOUN
afbr-2190	264	13	of	of	ADP
afbr-2190	264	14	the	the	DET
afbr-2190	264	15	banking	banking	NOUN
afbr-2190	264	16	sector	sector	NOUN
afbr-2190	264	17	's	's	PART
afbr-2190	264	18	operations	operation	NOUN
afbr-2190	264	19	,	,	PUNCT
afbr-2190	264	20	reflecting	reflect	VERB
afbr-2190	264	21	a	a	DET
afbr-2190	264	22	broader	broad	ADJ
afbr-2190	264	23	recognition	recognition	NOUN
afbr-2190	264	24	of	of	ADP
afbr-2190	264	25	banks	bank	NOUN
afbr-2190	264	26	'	'	PART
afbr-2190	264	27	responsibilities	responsibility	NOUN
afbr-2190	264	28	towards	towards	ADP
afbr-2190	264	29	society	society	NOUN
afbr-2190	264	30	,	,	PUNCT
afbr-2190	264	31	the	the	DET
afbr-2190	264	32	environment	environment	NOUN
afbr-2190	264	33	,	,	PUNCT
afbr-2190	264	34	and	and	CCONJ
afbr-2190	264	35	ethical	ethical	ADJ
afbr-2190	264	36	business	business	NOUN
afbr-2190	264	37	practices	practice	NOUN
afbr-2190	264	38	.	.	PUNCT
afbr-2190	265	1	australian	australian	ADJ
afbr-2190	265	2	banks	bank	NOUN
afbr-2190	265	3	have	have	AUX
afbr-2190	265	4	been	be	AUX
afbr-2190	265	5	actively	actively	ADV
afbr-2190	265	6	engaged	engage	VERB
afbr-2190	265	7	in	in	ADP
afbr-2190	265	8	csr	csr	NOUN
afbr-2190	265	9	initiatives	initiative	NOUN
afbr-2190	265	10	aimed	aim	VERB
afbr-2190	265	11	at	at	ADP
afbr-2190	265	12	promoting	promote	VERB
afbr-2190	265	13	financial	financial	ADJ
afbr-2190	265	14	inclusion	inclusion	NOUN
afbr-2190	265	15	,	,	PUNCT
afbr-2190	265	16	sustainability	sustainability	NOUN
afbr-2190	265	17	,	,	PUNCT
afbr-2190	265	18	and	and	CCONJ
afbr-2190	265	19	ethical	ethical	ADJ
afbr-2190	265	20	conduct	conduct	NOUN
afbr-2190	265	21	,	,	PUNCT
afbr-2190	265	22	leveraging	leverage	VERB
afbr-2190	265	23	their	their	PRON
afbr-2190	265	24	resources	resource	NOUN
afbr-2190	265	25	,	,	PUNCT
afbr-2190	265	26	expertise	expertise	NOUN
afbr-2190	265	27	,	,	PUNCT
afbr-2190	265	28	and	and	CCONJ
afbr-2190	265	29	influence	influence	NOUN
afbr-2190	265	30	to	to	PART
afbr-2190	265	31	drive	drive	VERB
afbr-2190	265	32	positive	positive	ADJ
afbr-2190	265	33	social	social	ADJ
afbr-2190	265	34	and	and	CCONJ
afbr-2190	265	35	environmental	environmental	ADJ
afbr-2190	265	36	impact	impact	NOUN
afbr-2190	265	37	.	.	PUNCT
afbr-2190	266	1	financial	financial	ADJ
afbr-2190	266	2	inclusion	inclusion	NOUN
afbr-2190	266	3			X
afbr-2190	266	4	australian	australian	ADJ
afbr-2190	266	5	banks	bank	NOUN
afbr-2190	266	6	play	play	VERB
afbr-2190	266	7	a	a	DET
afbr-2190	266	8	vital	vital	ADJ
afbr-2190	266	9	role	role	NOUN
afbr-2190	266	10	in	in	ADP
afbr-2190	266	11	promoting	promote	VERB
afbr-2190	266	12	financial	financial	ADJ
afbr-2190	266	13	inclusion	inclusion	NOUN
afbr-2190	266	14	by	by	ADP
afbr-2190	266	15	providing	provide	VERB
afbr-2190	266	16	access	access	NOUN
afbr-2190	266	17	to	to	ADP
afbr-2190	266	18	banking	banking	NOUN
afbr-2190	266	19	services	service	NOUN
afbr-2190	266	20	and	and	CCONJ
afbr-2190	266	21	credit	credit	NOUN
afbr-2190	266	22	to	to	ADP
afbr-2190	266	23	underserved	underserved	ADJ
afbr-2190	266	24	and	and	CCONJ
afbr-2190	266	25	marginalized	marginalized	ADJ
afbr-2190	266	26	communities	community	NOUN
afbr-2190	266	27	,	,	PUNCT
afbr-2190	266	28	including	include	VERB
afbr-2190	266	29	low	low	ADJ
afbr-2190	266	30	-	-	PUNCT
afbr-2190	266	31	income	income	NOUN
afbr-2190	266	32	individuals	individual	NOUN
afbr-2190	266	33	,	,	PUNCT
afbr-2190	266	34	small	small	ADJ
afbr-2190	266	35	businesses	business	NOUN
afbr-2190	266	36	,	,	PUNCT
afbr-2190	266	37	and	and	CCONJ
afbr-2190	266	38	rural	rural	ADJ
afbr-2190	266	39	populations	population	NOUN
afbr-2190	266	40	.	.	PUNCT
afbr-2190	267	1			PUNCT
afbr-2190	268	1	banks	bank	NOUN
afbr-2190	268	2	offer	offer	VERB
afbr-2190	268	3	a	a	DET
afbr-2190	268	4	range	range	NOUN
afbr-2190	268	5	of	of	ADP
afbr-2190	268	6	products	product	NOUN
afbr-2190	268	7	and	and	CCONJ
afbr-2190	268	8	services	service	NOUN
afbr-2190	268	9	tailored	tailor	VERB
afbr-2190	268	10	to	to	PART
afbr-2190	268	11	meet	meet	VERB
afbr-2190	268	12	the	the	DET
afbr-2190	268	13	needs	need	NOUN
afbr-2190	268	14	of	of	ADP
afbr-2190	268	15	financially	financially	ADV
afbr-2190	268	16	excluded	exclude	VERB
afbr-2190	268	17	populations	population	NOUN
afbr-2190	268	18	,	,	PUNCT
afbr-2190	268	19	such	such	ADJ
afbr-2190	268	20	as	as	ADP
afbr-2190	268	21	basic	basic	ADJ
afbr-2190	268	22	transaction	transaction	NOUN
afbr-2190	268	23	accounts	account	NOUN
afbr-2190	268	24	,	,	PUNCT
afbr-2190	268	25	microfinance	microfinance	NOUN
afbr-2190	268	26	loans	loan	NOUN
afbr-2190	268	27	,	,	PUNCT
afbr-2190	268	28	and	and	CCONJ
afbr-2190	268	29	financial	financial	ADJ
afbr-2190	268	30	literacy	literacy	NOUN
afbr-2190	268	31	programs	program	NOUN
afbr-2190	268	32	.	.	PUNCT
afbr-2190	269	1			X
afbr-2190	269	2	additionally	additionally	ADV
afbr-2190	269	3	,	,	PUNCT
afbr-2190	269	4	banks	bank	NOUN
afbr-2190	269	5	collaborate	collaborate	VERB
afbr-2190	269	6	with	with	ADP
afbr-2190	269	7	government	government	NOUN
afbr-2190	269	8	agencies	agency	NOUN
afbr-2190	269	9	,	,	PUNCT
afbr-2190	269	10	non	non	ADJ
afbr-2190	269	11	-	-	ADJ
afbr-2190	269	12	profit	profit	ADJ
afbr-2190	269	13	organizations	organization	NOUN
afbr-2190	269	14	,	,	PUNCT
afbr-2190	269	15	and	and	CCONJ
afbr-2190	269	16	community	community	NOUN
afbr-2190	269	17	groups	group	NOUN
afbr-2190	269	18	to	to	PART
afbr-2190	269	19	develop	develop	VERB
afbr-2190	269	20	initiatives	initiative	NOUN
afbr-2190	269	21	aimed	aim	VERB
afbr-2190	269	22	at	at	ADP
afbr-2190	269	23	improving	improve	VERB
afbr-2190	269	24	financial	financial	ADJ
afbr-2190	269	25	literacy	literacy	NOUN
afbr-2190	269	26	,	,	PUNCT
afbr-2190	269	27	building	build	VERB
afbr-2190	269	28	financial	financial	ADJ
afbr-2190	269	29	resilience	resilience	NOUN
afbr-2190	269	30	,	,	PUNCT
afbr-2190	269	31	and	and	CCONJ
afbr-2190	269	32	empowering	empower	VERB
afbr-2190	269	33	disadvantaged	disadvantaged	ADJ
afbr-2190	269	34	individuals	individual	NOUN
afbr-2190	269	35	to	to	PART
afbr-2190	269	36	participate	participate	VERB
afbr-2190	269	37	in	in	ADP
afbr-2190	269	38	the	the	DET
afbr-2190	269	39	formal	formal	ADJ
afbr-2190	269	40	financial	financial	ADJ
afbr-2190	269	41	system	system	NOUN
afbr-2190	269	42	.	.	PUNCT
afbr-2190	270	1	sustainability	sustainability	NOUN
afbr-2190	270	2			X
afbr-2190	270	3	australian	australian	ADJ
afbr-2190	270	4	banks	bank	NOUN
afbr-2190	270	5	are	be	AUX
afbr-2190	270	6	increasingly	increasingly	ADV
afbr-2190	270	7	incorporating	incorporate	VERB
afbr-2190	270	8	sustainability	sustainability	NOUN
afbr-2190	270	9	considerations	consideration	NOUN
afbr-2190	270	10	into	into	ADP
afbr-2190	270	11	their	their	PRON
afbr-2190	270	12	business	business	NOUN
afbr-2190	270	13	strategies	strategy	NOUN
afbr-2190	270	14	,	,	PUNCT
afbr-2190	270	15	operations	operation	NOUN
afbr-2190	270	16	,	,	PUNCT
afbr-2190	270	17	and	and	CCONJ
afbr-2190	270	18	decision	decision	NOUN
afbr-2190	270	19	-	-	PUNCT
afbr-2190	270	20	making	make	VERB
afbr-2190	270	21	processes	process	NOUN
afbr-2190	270	22	,	,	PUNCT
afbr-2190	270	23	recognizing	recognize	VERB
afbr-2190	270	24	the	the	DET
afbr-2190	270	25	importance	importance	NOUN
afbr-2190	270	26	of	of	ADP
afbr-2190	270	27	environmental	environmental	ADJ
afbr-2190	270	28	,	,	PUNCT
afbr-2190	270	29	social	social	ADJ
afbr-2190	270	30	,	,	PUNCT
afbr-2190	270	31	and	and	CCONJ
afbr-2190	270	32	governance	governance	NOUN
afbr-2190	270	33	(	(	PUNCT
afbr-2190	270	34	esg	esg	NOUN
afbr-2190	270	35	)	)	PUNCT
afbr-2190	270	36	factors	factor	NOUN
afbr-2190	270	37	in	in	ADP
afbr-2190	270	38	long	long	ADJ
afbr-2190	270	39	-	-	PUNCT
afbr-2190	270	40	term	term	NOUN
afbr-2190	270	41	value	value	NOUN
afbr-2190	270	42	creation	creation	NOUN
afbr-2190	270	43	.	.	PUNCT
afbr-2190	271	1			PUNCT
afbr-2190	272	1	banks	bank	NOUN
afbr-2190	272	2	are	be	AUX
afbr-2190	272	3	investing	invest	VERB
afbr-2190	272	4	in	in	ADP
afbr-2190	272	5	sustainable	sustainable	ADJ
afbr-2190	272	6	finance	finance	NOUN
afbr-2190	272	7	initiatives	initiative	NOUN
afbr-2190	272	8	,	,	PUNCT
afbr-2190	272	9	including	include	VERB
afbr-2190	272	10	green	green	ADJ
afbr-2190	272	11	lending	lending	NOUN
afbr-2190	272	12	,	,	PUNCT
afbr-2190	272	13	renewable	renewable	ADJ
afbr-2190	272	14	energy	energy	NOUN
afbr-2190	272	15	financing	financing	NOUN
afbr-2190	272	16	,	,	PUNCT
afbr-2190	272	17	and	and	CCONJ
afbr-2190	272	18	impact	impact	NOUN
afbr-2190	272	19	investing	investing	NOUN
afbr-2190	272	20	,	,	PUNCT
afbr-2190	272	21	to	to	PART
afbr-2190	272	22	support	support	VERB
afbr-2190	272	23	the	the	DET
afbr-2190	272	24	transition	transition	NOUN
afbr-2190	272	25	to	to	ADP
afbr-2190	272	26	a	a	DET
afbr-2190	272	27	low	low	ADJ
afbr-2190	272	28	-	-	PUNCT
afbr-2190	272	29	carbon	carbon	NOUN
afbr-2190	272	30	economy	economy	NOUN
afbr-2190	272	31	and	and	CCONJ
afbr-2190	272	32	address	address	NOUN
afbr-2190	272	33	climate	climate	NOUN
afbr-2190	272	34	change	change	NOUN
afbr-2190	272	35	-	-	PUNCT
afbr-2190	272	36	related	relate	VERB
afbr-2190	272	37	risks	risk	NOUN
afbr-2190	272	38	.	.	PUNCT
afbr-2190	273	1			PUNCT
afbr-2190	274	1	banks	bank	NOUN
afbr-2190	274	2	are	be	AUX
afbr-2190	274	3	also	also	ADV
afbr-2190	274	4	integrating	integrate	VERB
afbr-2190	274	5	sustainability	sustainability	NOUN
afbr-2190	274	6	criteria	criterion	NOUN
afbr-2190	274	7	into	into	ADP
afbr-2190	274	8	their	their	PRON
afbr-2190	274	9	investment	investment	NOUN
afbr-2190	274	10	and	and	CCONJ
afbr-2190	274	11	lending	lending	NOUN
afbr-2190	274	12	decisions	decision	NOUN
afbr-2190	274	13	,	,	PUNCT
afbr-2190	274	14	engaging	engage	VERB
afbr-2190	274	15	with	with	ADP
afbr-2190	274	16	stakeholders	stakeholder	NOUN
afbr-2190	274	17	to	to	PART
afbr-2190	274	18	identify	identify	VERB
afbr-2190	274	19	and	and	CCONJ
afbr-2190	274	20	mitigate	mitigate	VERB
afbr-2190	274	21	environmental	environmental	ADJ
afbr-2190	274	22	and	and	CCONJ
afbr-2190	274	23	social	social	ADJ
afbr-2190	274	24	risks	risk	NOUN
afbr-2190	274	25	,	,	PUNCT
afbr-2190	274	26	and	and	CCONJ
afbr-2190	274	27	disclosing	disclose	VERB
afbr-2190	274	28	relevant	relevant	ADJ
afbr-2190	274	29	esg	esg	NOUN
afbr-2190	274	30	information	information	NOUN
afbr-2190	274	31	to	to	ADP
afbr-2190	274	32	stakeholders	stakeholder	NOUN
afbr-2190	274	33	to	to	PART
afbr-2190	274	34	enhance	enhance	VERB
afbr-2190	274	35	transparency	transparency	NOUN
afbr-2190	274	36	and	and	CCONJ
afbr-2190	274	37	accountability	accountability	NOUN
afbr-2190	274	38	.	.	PUNCT
afbr-2190	275	1	ethical	ethical	ADJ
afbr-2190	275	2	practices	practice	NOUN
afbr-2190	275	3			VERB
afbr-2190	275	4	upholding	uphold	VERB
afbr-2190	275	5	ethical	ethical	ADJ
afbr-2190	275	6	standards	standard	NOUN
afbr-2190	275	7	and	and	CCONJ
afbr-2190	275	8	promoting	promote	VERB
afbr-2190	275	9	integrity	integrity	NOUN
afbr-2190	275	10	is	be	AUX
afbr-2190	275	11	a	a	DET
afbr-2190	275	12	cornerstone	cornerstone	NOUN
afbr-2190	275	13	of	of	ADP
afbr-2190	275	14	csr	csr	NOUN
afbr-2190	275	15	for	for	ADP
afbr-2190	275	16	australian	australian	ADJ
afbr-2190	275	17	banks	bank	NOUN
afbr-2190	275	18	,	,	PUNCT
afbr-2190	275	19	reflecting	reflect	VERB
afbr-2190	275	20	a	a	DET
afbr-2190	275	21	commitment	commitment	NOUN
afbr-2190	275	22	to	to	ADP
afbr-2190	275	23	responsible	responsible	ADJ
afbr-2190	275	24	business	business	NOUN
afbr-2190	275	25	conduct	conduct	NOUN
afbr-2190	275	26	,	,	PUNCT
afbr-2190	275	27	compliance	compliance	NOUN
afbr-2190	275	28	with	with	ADP
afbr-2190	275	29	laws	law	NOUN
afbr-2190	275	30	and	and	CCONJ
afbr-2190	275	31	regulations	regulation	NOUN
afbr-2190	275	32	,	,	PUNCT
afbr-2190	275	33	and	and	CCONJ
afbr-2190	275	34	ethical	ethical	ADJ
afbr-2190	275	35	decision	decision	NOUN
afbr-2190	275	36	-	-	PUNCT
afbr-2190	275	37	making	making	NOUN
afbr-2190	275	38	.	.	PUNCT
afbr-2190	276	1			PUNCT
afbr-2190	277	1	banks	bank	NOUN
afbr-2190	277	2	have	have	AUX
afbr-2190	277	3	implemented	implement	VERB
afbr-2190	277	4	robust	robust	ADJ
afbr-2190	277	5	corporate	corporate	ADJ
afbr-2190	277	6	governance	governance	NOUN
afbr-2190	277	7	structures	structure	NOUN
afbr-2190	277	8	,	,	PUNCT
afbr-2190	277	9	codes	code	NOUN
afbr-2190	277	10	of	of	ADP
afbr-2190	277	11	conduct	conduct	NOUN
afbr-2190	277	12	,	,	PUNCT
afbr-2190	277	13	and	and	CCONJ
afbr-2190	277	14	compliance	compliance	NOUN
afbr-2190	277	15	programs	program	NOUN
afbr-2190	277	16	to	to	PART
afbr-2190	277	17	prevent	prevent	VERB
afbr-2190	277	18	misconduct	misconduct	NOUN
afbr-2190	277	19	,	,	PUNCT
afbr-2190	277	20	mitigate	mitigate	VERB
afbr-2190	277	21	conflicts	conflict	NOUN
afbr-2190	277	22	of	of	ADP
afbr-2190	277	23	interest	interest	NOUN
afbr-2190	277	24	,	,	PUNCT
afbr-2190	277	25	and	and	CCONJ
afbr-2190	277	26	uphold	uphold	VERB
afbr-2190	277	27	the	the	DET
afbr-2190	277	28	highest	high	ADJ
afbr-2190	277	29	standards	standard	NOUN
afbr-2190	277	30	of	of	ADP
afbr-2190	277	31	ethical	ethical	ADJ
afbr-2190	277	32	behavior	behavior	NOUN
afbr-2190	277	33	.	.	PUNCT
afbr-2190	278	1			PUNCT
afbr-2190	279	1	banks	bank	NOUN
afbr-2190	279	2	also	also	ADV
afbr-2190	279	3	engage	engage	VERB
afbr-2190	279	4	in	in	ADP
afbr-2190	279	5	stakeholder	stakeholder	NOUN
afbr-2190	279	6	dialogue	dialogue	NOUN
afbr-2190	279	7	,	,	PUNCT
afbr-2190	279	8	including	include	VERB
afbr-2190	279	9	with	with	ADP
afbr-2190	279	10	customers	customer	NOUN
afbr-2190	279	11	,	,	PUNCT
afbr-2190	279	12	employees	employee	NOUN
afbr-2190	279	13	,	,	PUNCT
afbr-2190	279	14	investors	investor	NOUN
afbr-2190	279	15	,	,	PUNCT
afbr-2190	279	16	and	and	CCONJ
afbr-2190	279	17	regulators	regulator	NOUN
afbr-2190	279	18	,	,	PUNCT
afbr-2190	279	19	to	to	PART
afbr-2190	279	20	solicit	solicit	VERB
afbr-2190	279	21	feedback	feedback	NOUN
afbr-2190	279	22	,	,	PUNCT
afbr-2190	279	23	address	address	NOUN
afbr-2190	279	24	concerns	concern	NOUN
afbr-2190	279	25	,	,	PUNCT
afbr-2190	279	26	and	and	CCONJ
afbr-2190	279	27	continuously	continuously	ADV
afbr-2190	279	28	improve	improve	VERB
afbr-2190	279	29	their	their	PRON
afbr-2190	279	30	ethical	ethical	ADJ
afbr-2190	279	31	practices	practice	NOUN
afbr-2190	279	32	and	and	CCONJ
afbr-2190	279	33	corporate	corporate	ADJ
afbr-2190	279	34	culture	culture	NOUN
afbr-2190	279	35	.	.	PUNCT
afbr-2190	280	1	community	community	NOUN
afbr-2190	280	2	engagement	engagement	NOUN
afbr-2190	280	3			VERB
afbr-2190	280	4	australian	australian	ADJ
afbr-2190	280	5	banks	bank	NOUN
afbr-2190	280	6	are	be	AUX
afbr-2190	280	7	actively	actively	ADV
afbr-2190	280	8	involved	involve	VERB
afbr-2190	280	9	in	in	ADP
afbr-2190	280	10	supporting	support	VERB
afbr-2190	280	11	local	local	ADJ
afbr-2190	280	12	communities	community	NOUN
afbr-2190	280	13	through	through	ADP
afbr-2190	280	14	philanthropic	philanthropic	NOUN
afbr-2190	280	15	initiatives	initiative	NOUN
afbr-2190	280	16	,	,	PUNCT
afbr-2190	280	17	employee	employee	NOUN
afbr-2190	280	18	volunteering	volunteering	NOUN
afbr-2190	280	19	programs	program	NOUN
afbr-2190	280	20	,	,	PUNCT
afbr-2190	280	21	and	and	CCONJ
afbr-2190	280	22	community	community	NOUN
afbr-2190	280	23	development	development	NOUN
afbr-2190	280	24	projects	project	NOUN
afbr-2190	280	25	.	.	PUNCT
afbr-2190	281	1			PUNCT
afbr-2190	282	1	banks	bank	NOUN
afbr-2190	282	2	donate	donate	VERB
afbr-2190	282	3	to	to	ADP
afbr-2190	282	4	charitable	charitable	ADJ
afbr-2190	282	5	organizations	organization	NOUN
afbr-2190	282	6	,	,	PUNCT
afbr-2190	282	7	sponsor	sponsor	NOUN
afbr-2190	282	8	community	community	NOUN
afbr-2190	282	9	events	event	NOUN
afbr-2190	282	10	,	,	PUNCT
afbr-2190	282	11	and	and	CCONJ
afbr-2190	282	12	provide	provide	VERB
afbr-2190	282	13	grants	grant	NOUN
afbr-2190	282	14	to	to	PART
afbr-2190	282	15	support	support	VERB
afbr-2190	282	16	education	education	NOUN
afbr-2190	282	17	,	,	PUNCT
afbr-2190	282	18	health	health	NOUN
afbr-2190	282	19	,	,	PUNCT
afbr-2190	282	20	arts	art	NOUN
afbr-2190	282	21	,	,	PUNCT
afbr-2190	282	22	and	and	CCONJ
afbr-2190	282	23	cultural	cultural	ADJ
afbr-2190	282	24	programs	program	NOUN
afbr-2190	282	25	,	,	PUNCT
afbr-2190	282	26	contributing	contribute	VERB
afbr-2190	282	27	to	to	ADP
afbr-2190	282	28	the	the	DET
afbr-2190	282	29	social	social	ADJ
afbr-2190	282	30	and	and	CCONJ
afbr-2190	282	31	economic	economic	ADJ
afbr-2190	282	32	well	well	ADV
afbr-2190	282	33	-	-	PUNCT
afbr-2190	282	34	being	being	NOUN
afbr-2190	282	35	of	of	ADP
afbr-2190	282	36	communities	community	NOUN
afbr-2190	282	37	.	.	PUNCT
afbr-2190	283	1			PART
afbr-2190	283	2	employee	employee	NOUN
afbr-2190	283	3	volunteering	volunteer	VERB
afbr-2190	283	4	programs	program	NOUN
afbr-2190	283	5	enable	enable	VERB
afbr-2190	283	6	bank	bank	NOUN
afbr-2190	283	7	employees	employee	NOUN
afbr-2190	283	8	to	to	PART
afbr-2190	283	9	donate	donate	VERB
afbr-2190	283	10	their	their	PRON
afbr-2190	283	11	time	time	NOUN
afbr-2190	283	12	and	and	CCONJ
afbr-2190	283	13	skills	skill	NOUN
afbr-2190	283	14	to	to	PART
afbr-2190	283	15	support	support	VERB
afbr-2190	283	16	community	community	NOUN
afbr-2190	283	17	organizations	organization	NOUN
afbr-2190	283	18	and	and	CCONJ
afbr-2190	283	19	address	address	VERB
afbr-2190	283	20	local	local	ADJ
afbr-2190	283	21	challenges	challenge	NOUN
afbr-2190	283	22	,	,	PUNCT
afbr-2190	283	23	fostering	foster	VERB
afbr-2190	283	24	a	a	DET
afbr-2190	283	25	culture	culture	NOUN
afbr-2190	283	26	of	of	ADP
afbr-2190	283	27	giving	give	VERB
afbr-2190	283	28	back	back	ADP
afbr-2190	283	29	and	and	CCONJ
afbr-2190	283	30	social	social	ADJ
afbr-2190	283	31	responsibility	responsibility	NOUN
afbr-2190	283	32	within	within	ADP
afbr-2190	283	33	the	the	DET
afbr-2190	283	34	organization	organization	NOUN
afbr-2190	283	35	.	.	PUNCT
afbr-2190	284	1	in	in	ADP
afbr-2190	284	2	conclusion	conclusion	NOUN
afbr-2190	284	3	,	,	PUNCT
afbr-2190	284	4	csr	csr	NOUN
afbr-2190	284	5	plays	play	VERB
afbr-2190	284	6	a	a	DET
afbr-2190	284	7	critical	critical	ADJ
afbr-2190	284	8	role	role	NOUN
afbr-2190	284	9	in	in	ADP
afbr-2190	284	10	shaping	shape	VERB
afbr-2190	284	11	the	the	DET
afbr-2190	284	12	banking	banking	NOUN
afbr-2190	284	13	sector	sector	NOUN
afbr-2190	284	14	's	's	PART
afbr-2190	284	15	contribution	contribution	NOUN
afbr-2190	284	16	to	to	ADP
afbr-2190	284	17	society	society	NOUN
afbr-2190	284	18	and	and	CCONJ
afbr-2190	284	19	the	the	DET
afbr-2190	284	20	environment	environment	NOUN
afbr-2190	284	21	,	,	PUNCT
afbr-2190	284	22	with	with	ADP
afbr-2190	284	23	australian	australian	ADJ
afbr-2190	284	24	banks	bank	NOUN
afbr-2190	284	25	actively	actively	ADV
afbr-2190	284	26	engaged	engage	VERB
afbr-2190	284	27	in	in	ADP
afbr-2190	284	28	promoting	promote	VERB
afbr-2190	284	29	financial	financial	ADJ
afbr-2190	284	30	inclusion	inclusion	NOUN
afbr-2190	284	31	,	,	PUNCT
afbr-2190	284	32	sustainability	sustainability	NOUN
afbr-2190	284	33	,	,	PUNCT
afbr-2190	284	34	and	and	CCONJ
afbr-2190	284	35	ethical	ethical	ADJ
afbr-2190	284	36	practices	practice	NOUN
afbr-2190	284	37	.	.	PUNCT
afbr-2190	285	1	by	by	ADP
afbr-2190	285	2	aligning	align	VERB
afbr-2190	285	3	their	their	PRON
afbr-2190	285	4	business	business	NOUN
afbr-2190	285	5	objectives	objective	NOUN
afbr-2190	285	6	with	with	ADP
afbr-2190	285	7	broader	broad	ADJ
afbr-2190	285	8	societal	societal	ADJ
afbr-2190	285	9	and	and	CCONJ
afbr-2190	285	10	environmental	environmental	ADJ
afbr-2190	285	11	goals	goal	NOUN
afbr-2190	285	12	,	,	PUNCT
afbr-2190	285	13	banks	bank	NOUN
afbr-2190	285	14	can	can	AUX
afbr-2190	285	15	create	create	VERB
afbr-2190	285	16	shared	shared	ADJ
afbr-2190	285	17	value	value	NOUN
afbr-2190	285	18	for	for	ADP
afbr-2190	285	19	stakeholders	stakeholder	NOUN
afbr-2190	285	20	,	,	PUNCT
afbr-2190	285	21	build	build	VERB
afbr-2190	285	22	trust	trust	NOUN
afbr-2190	285	23	and	and	CCONJ
afbr-2190	285	24	credibility	credibility	NOUN
afbr-2190	285	25	,	,	PUNCT
afbr-2190	285	26	and	and	CCONJ
afbr-2190	285	27	contribute	contribute	VERB
afbr-2190	285	28	to	to	ADP
afbr-2190	285	29	a	a	DET
afbr-2190	285	30	more	more	ADV
afbr-2190	285	31	inclusive	inclusive	ADJ
afbr-2190	285	32	,	,	PUNCT
afbr-2190	285	33	sustainable	sustainable	ADJ
afbr-2190	285	34	,	,	PUNCT
afbr-2190	285	35	and	and	CCONJ
afbr-2190	285	36	ethical	ethical	ADJ
afbr-2190	285	37	financial	financial	ADJ
afbr-2190	285	38	system	system	NOUN
afbr-2190	285	39	.	.	PUNCT
afbr-2190	286	1	climate	climate	NOUN
afbr-2190	286	2	change	change	NOUN
afbr-2190	286	3	and	and	CCONJ
afbr-2190	286	4	green	green	ADJ
afbr-2190	286	5	finance	finance	NOUN
afbr-2190	286	6	:	:	PUNCT
afbr-2190	286	7	initiatives	initiative	NOUN
afbr-2190	286	8	to	to	PART
afbr-2190	286	9	address	address	VERB
afbr-2190	286	10	environmental	environmental	ADJ
afbr-2190	286	11	risks	risk	NOUN
afbr-2190	286	12	and	and	CCONJ
afbr-2190	286	13	promote	promote	VERB
afbr-2190	286	14	sustainable	sustainable	ADJ
afbr-2190	286	15	investments	investment	NOUN
afbr-2190	286	16	.	.	PUNCT
afbr-2190	287	1	climate	climate	NOUN
afbr-2190	287	2	change	change	NOUN
afbr-2190	287	3	poses	pose	VERB
afbr-2190	287	4	significant	significant	ADJ
afbr-2190	287	5	environmental	environmental	ADJ
afbr-2190	287	6	,	,	PUNCT
afbr-2190	287	7	social	social	ADJ
afbr-2190	287	8	,	,	PUNCT
afbr-2190	287	9	and	and	CCONJ
afbr-2190	287	10	economic	economic	ADJ
afbr-2190	287	11	risks	risk	NOUN
afbr-2190	287	12	,	,	PUNCT
afbr-2190	287	13	requiring	require	VERB
afbr-2190	287	14	urgent	urgent	ADJ
afbr-2190	287	15	action	action	NOUN
afbr-2190	287	16	from	from	ADP
afbr-2190	287	17	governments	government	NOUN
afbr-2190	287	18	,	,	PUNCT
afbr-2190	287	19	businesses	business	NOUN
afbr-2190	287	20	,	,	PUNCT
afbr-2190	287	21	and	and	CCONJ
afbr-2190	287	22	financial	financial	ADJ
afbr-2190	287	23	institutions	institution	NOUN
afbr-2190	287	24	.	.	PUNCT
afbr-2190	288	1	australian	australian	ADJ
afbr-2190	288	2	banks	bank	NOUN
afbr-2190	288	3	are	be	AUX
afbr-2190	288	4	increasingly	increasingly	ADV
afbr-2190	288	5	recognizing	recognize	VERB
afbr-2190	288	6	the	the	DET
afbr-2190	288	7	importance	importance	NOUN
afbr-2190	288	8	of	of	ADP
afbr-2190	288	9	addressing	address	VERB
afbr-2190	288	10	climaterelated	climaterelate	VERB
afbr-2190	288	11	risks	risk	NOUN
afbr-2190	288	12	and	and	CCONJ
afbr-2190	288	13	promoting	promote	VERB
afbr-2190	288	14	sustainable	sustainable	ADJ
afbr-2190	288	15	investments	investment	NOUN
afbr-2190	288	16	through	through	ADP
afbr-2190	288	17	initiatives	initiative	NOUN
afbr-2190	288	18	focused	focus	VERB
afbr-2190	288	19	on	on	ADP
afbr-2190	288	20	green	green	ADJ
afbr-2190	288	21	finance	finance	NOUN
afbr-2190	288	22	,	,	PUNCT
afbr-2190	288	23	sustainable	sustainable	ADJ
afbr-2190	288	24	lending	lending	NOUN
afbr-2190	288	25	,	,	PUNCT
afbr-2190	288	26	and	and	CCONJ
afbr-2190	288	27	climate	climate	NOUN
afbr-2190	288	28	resilience	resilience	NOUN
afbr-2190	288	29	.	.	PUNCT
afbr-2190	289	1	climate	climate	NOUN
afbr-2190	289	2	risk	risk	NOUN
afbr-2190	289	3	assessment	assessment	NOUN
afbr-2190	289	4	and	and	CCONJ
afbr-2190	289	5	disclosure	disclosure	NOUN
afbr-2190	289	6			X
afbr-2190	289	7	australian	australian	ADJ
afbr-2190	289	8	banks	bank	NOUN
afbr-2190	289	9	are	be	AUX
afbr-2190	289	10	integrating	integrate	VERB
afbr-2190	289	11	climate	climate	NOUN
afbr-2190	289	12	risk	risk	NOUN
afbr-2190	289	13	assessment	assessment	NOUN
afbr-2190	289	14	into	into	ADP
afbr-2190	289	15	their	their	PRON
afbr-2190	289	16	risk	risk	NOUN
afbr-2190	289	17	management	management	NOUN
afbr-2190	289	18	frameworks	framework	NOUN
afbr-2190	289	19	to	to	PART
afbr-2190	289	20	identify	identify	VERB
afbr-2190	289	21	,	,	PUNCT
afbr-2190	289	22	measure	measure	NOUN
afbr-2190	289	23	,	,	PUNCT
afbr-2190	289	24	and	and	CCONJ
afbr-2190	289	25	manage	manage	VERB
afbr-2190	289	26	the	the	DET
afbr-2190	289	27	financial	financial	ADJ
afbr-2190	289	28	risks	risk	NOUN
afbr-2190	289	29	associated	associate	VERB
afbr-2190	289	30	with	with	ADP
afbr-2190	289	31	climate	climate	NOUN
afbr-2190	289	32	change	change	NOUN
afbr-2190	289	33	.	.	PUNCT
afbr-2190	290	1	jakaria	jakaria	PROPN
afbr-2190	290	2	,	,	PUNCT
afbr-2190	290	3	australian	australian	ADJ
afbr-2190	290	4	finance	finance	NOUN
afbr-2190	290	5	&	&	CCONJ
afbr-2190	290	6	banking	banking	PROPN
afbr-2190	290	7	review	review	NOUN
afbr-2190	290	8	7(1	7(1	NUM
afbr-2190	290	9	)	)	PUNCT
afbr-2190	290	10	(	(	PUNCT
afbr-2190	290	11	2023	2023	NUM
afbr-2190	290	12	)	)	PUNCT
afbr-2190	290	13	,	,	PUNCT
afbr-2190	290	14	9	9	NUM
afbr-2190	290	15	-	-	SYM
afbr-2190	290	16	29	29	NUM
afbr-2190	290	17	19	19	NUM
afbr-2190	290	18			NOUN
afbr-2190	290	19	banks	bank	NOUN
afbr-2190	290	20	are	be	AUX
afbr-2190	290	21	conducting	conduct	VERB
afbr-2190	290	22	scenario	scenario	NOUN
afbr-2190	290	23	analysis	analysis	NOUN
afbr-2190	290	24	and	and	CCONJ
afbr-2190	290	25	stress	stress	NOUN
afbr-2190	290	26	testing	testing	NOUN
afbr-2190	290	27	to	to	PART
afbr-2190	290	28	assess	assess	VERB
afbr-2190	290	29	the	the	DET
afbr-2190	290	30	potential	potential	ADJ
afbr-2190	290	31	impacts	impact	NOUN
afbr-2190	290	32	of	of	ADP
afbr-2190	290	33	physical	physical	ADJ
afbr-2190	290	34	risks	risk	NOUN
afbr-2190	290	35	(	(	PUNCT
afbr-2190	290	36	e.g.	e.g.	ADV
afbr-2190	290	37	,	,	PUNCT
afbr-2190	290	38	extreme	extreme	ADJ
afbr-2190	290	39	weather	weather	NOUN
afbr-2190	290	40	events	event	NOUN
afbr-2190	290	41	)	)	PUNCT
afbr-2190	290	42	and	and	CCONJ
afbr-2190	290	43	transition	transition	NOUN
afbr-2190	290	44	risks	risk	NOUN
afbr-2190	290	45	(	(	PUNCT
afbr-2190	290	46	e.g.	e.g.	ADV
afbr-2190	290	47	,	,	PUNCT
afbr-2190	290	48	policy	policy	NOUN
afbr-2190	290	49	changes	change	NOUN
afbr-2190	290	50	,	,	PUNCT
afbr-2190	290	51	market	market	NOUN
afbr-2190	290	52	shifts	shift	NOUN
afbr-2190	290	53	)	)	PUNCT
afbr-2190	290	54	on	on	ADP
afbr-2190	290	55	their	their	PRON
afbr-2190	290	56	loan	loan	NOUN
afbr-2190	290	57	portfolios	portfolio	NOUN
afbr-2190	290	58	,	,	PUNCT
afbr-2190	290	59	investments	investment	NOUN
afbr-2190	290	60	,	,	PUNCT
afbr-2190	290	61	and	and	CCONJ
afbr-2190	290	62	business	business	NOUN
afbr-2190	290	63	operations	operation	NOUN
afbr-2190	290	64	.	.	PUNCT
afbr-2190	291	1			X
afbr-2190	292	1	transparency	transparency	NOUN
afbr-2190	292	2	and	and	CCONJ
afbr-2190	292	3	disclosure	disclosure	NOUN
afbr-2190	292	4	of	of	ADP
afbr-2190	292	5	climate	climate	NOUN
afbr-2190	292	6	-	-	PUNCT
afbr-2190	292	7	related	relate	VERB
afbr-2190	292	8	risks	risk	NOUN
afbr-2190	292	9	and	and	CCONJ
afbr-2190	292	10	opportunities	opportunity	NOUN
afbr-2190	292	11	are	be	AUX
afbr-2190	292	12	becoming	become	VERB
afbr-2190	292	13	standard	standard	ADJ
afbr-2190	292	14	practices	practice	NOUN
afbr-2190	292	15	,	,	PUNCT
afbr-2190	292	16	with	with	ADP
afbr-2190	292	17	banks	bank	NOUN
afbr-2190	292	18	disclosing	disclose	VERB
afbr-2190	292	19	relevant	relevant	ADJ
afbr-2190	292	20	information	information	NOUN
afbr-2190	292	21	in	in	ADP
afbr-2190	292	22	line	line	NOUN
afbr-2190	292	23	with	with	ADP
afbr-2190	292	24	international	international	ADJ
afbr-2190	292	25	frameworks	framework	NOUN
afbr-2190	292	26	such	such	ADJ
afbr-2190	292	27	as	as	ADP
afbr-2190	292	28	the	the	DET
afbr-2190	292	29	task	task	NOUN
afbr-2190	292	30	force	force	NOUN
afbr-2190	292	31	on	on	ADP
afbr-2190	292	32	climate	climate	NOUN
afbr-2190	292	33	-	-	PUNCT
afbr-2190	292	34	related	relate	VERB
afbr-2190	292	35	financial	financial	ADJ
afbr-2190	292	36	disclosures	disclosure	NOUN
afbr-2190	292	37	(	(	PUNCT
afbr-2190	292	38	tcfd	tcfd	NOUN
afbr-2190	292	39	)	)	PUNCT
afbr-2190	292	40	.	.	PUNCT
afbr-2190	293	1	green	green	ADJ
afbr-2190	293	2	finance	finance	PROPN
afbr-2190	293	3	initiatives	initiative	NOUN
afbr-2190	293	4			VERB
afbr-2190	293	5	australian	australian	ADJ
afbr-2190	293	6	banks	bank	NOUN
afbr-2190	293	7	are	be	AUX
afbr-2190	293	8	actively	actively	ADV
afbr-2190	293	9	promoting	promote	VERB
afbr-2190	293	10	green	green	ADJ
afbr-2190	293	11	finance	finance	NOUN
afbr-2190	293	12	initiatives	initiative	NOUN
afbr-2190	293	13	aimed	aim	VERB
afbr-2190	293	14	at	at	ADP
afbr-2190	293	15	financing	financing	NOUN
afbr-2190	293	16	projects	project	NOUN
afbr-2190	293	17	and	and	CCONJ
afbr-2190	293	18	activities	activity	NOUN
afbr-2190	293	19	that	that	PRON
afbr-2190	293	20	contribute	contribute	VERB
afbr-2190	293	21	to	to	ADP
afbr-2190	293	22	climate	climate	NOUN
afbr-2190	293	23	mitigation	mitigation	NOUN
afbr-2190	293	24	,	,	PUNCT
afbr-2190	293	25	adaptation	adaptation	NOUN
afbr-2190	293	26	,	,	PUNCT
afbr-2190	293	27	and	and	CCONJ
afbr-2190	293	28	environmental	environmental	ADJ
afbr-2190	293	29	sustainability	sustainability	NOUN
afbr-2190	293	30	.	.	PUNCT
afbr-2190	294	1			PUNCT
afbr-2190	295	1	banks	bank	NOUN
afbr-2190	295	2	offer	offer	VERB
afbr-2190	295	3	green	green	ADJ
afbr-2190	295	4	loans	loan	NOUN
afbr-2190	295	5	,	,	PUNCT
afbr-2190	295	6	green	green	ADJ
afbr-2190	295	7	bonds	bond	NOUN
afbr-2190	295	8	,	,	PUNCT
afbr-2190	295	9	and	and	CCONJ
afbr-2190	295	10	other	other	ADJ
afbr-2190	295	11	financial	financial	ADJ
afbr-2190	295	12	products	product	NOUN
afbr-2190	295	13	designed	design	VERB
afbr-2190	295	14	to	to	PART
afbr-2190	295	15	fund	fund	VERB
afbr-2190	295	16	renewable	renewable	ADJ
afbr-2190	295	17	energy	energy	NOUN
afbr-2190	295	18	projects	project	NOUN
afbr-2190	295	19	,	,	PUNCT
afbr-2190	295	20	energy	energy	NOUN
afbr-2190	295	21	efficiency	efficiency	NOUN
afbr-2190	295	22	upgrades	upgrade	NOUN
afbr-2190	295	23	,	,	PUNCT
afbr-2190	295	24	sustainable	sustainable	ADJ
afbr-2190	295	25	infrastructure	infrastructure	NOUN
afbr-2190	295	26	,	,	PUNCT
afbr-2190	295	27	and	and	CCONJ
afbr-2190	295	28	climate	climate	NOUN
afbr-2190	295	29	-	-	PUNCT
afbr-2190	295	30	resilient	resilient	ADJ
afbr-2190	295	31	development	development	NOUN
afbr-2190	295	32	.	.	PUNCT
afbr-2190	296	1			PUNCT
afbr-2190	297	1	banks	bank	NOUN
afbr-2190	297	2	collaborate	collaborate	VERB
afbr-2190	297	3	with	with	ADP
afbr-2190	297	4	government	government	NOUN
afbr-2190	297	5	agencies	agency	NOUN
afbr-2190	297	6	,	,	PUNCT
afbr-2190	297	7	multilateral	multilateral	ADJ
afbr-2190	297	8	institutions	institution	NOUN
afbr-2190	297	9	,	,	PUNCT
afbr-2190	297	10	and	and	CCONJ
afbr-2190	297	11	industry	industry	NOUN
afbr-2190	297	12	partners	partner	NOUN
afbr-2190	297	13	to	to	PART
afbr-2190	297	14	develop	develop	VERB
afbr-2190	297	15	innovative	innovative	ADJ
afbr-2190	297	16	financing	financing	NOUN
afbr-2190	297	17	solutions	solution	NOUN
afbr-2190	297	18	and	and	CCONJ
afbr-2190	297	19	support	support	VERB
afbr-2190	297	20	the	the	DET
afbr-2190	297	21	transition	transition	NOUN
afbr-2190	297	22	to	to	ADP
afbr-2190	297	23	a	a	DET
afbr-2190	297	24	low	low	ADJ
afbr-2190	297	25	-	-	PUNCT
afbr-2190	297	26	carbon	carbon	NOUN
afbr-2190	297	27	economy	economy	NOUN
afbr-2190	297	28	.	.	PUNCT
afbr-2190	298	1	sustainable	sustainable	ADJ
afbr-2190	298	2	lending	lending	NOUN
afbr-2190	298	3	practices	practice	NOUN
afbr-2190	298	4			PART
afbr-2190	298	5	banks	bank	NOUN
afbr-2190	298	6	are	be	AUX
afbr-2190	298	7	incorporating	incorporate	VERB
afbr-2190	298	8	environmental	environmental	ADJ
afbr-2190	298	9	and	and	CCONJ
afbr-2190	298	10	social	social	ADJ
afbr-2190	298	11	considerations	consideration	NOUN
afbr-2190	298	12	into	into	ADP
afbr-2190	298	13	their	their	PRON
afbr-2190	298	14	lending	lending	NOUN
afbr-2190	298	15	practices	practice	NOUN
afbr-2190	298	16	,	,	PUNCT
afbr-2190	298	17	adopting	adopt	VERB
afbr-2190	298	18	policies	policy	NOUN
afbr-2190	298	19	and	and	CCONJ
afbr-2190	298	20	guidelines	guideline	NOUN
afbr-2190	298	21	to	to	PART
afbr-2190	298	22	screen	screen	VERB
afbr-2190	298	23	and	and	CCONJ
afbr-2190	298	24	assess	assess	VERB
afbr-2190	298	25	the	the	DET
afbr-2190	298	26	environmental	environmental	ADJ
afbr-2190	298	27	and	and	CCONJ
afbr-2190	298	28	social	social	ADJ
afbr-2190	298	29	risks	risk	NOUN
afbr-2190	298	30	of	of	ADP
afbr-2190	298	31	lending	lending	NOUN
afbr-2190	298	32	activities	activity	NOUN
afbr-2190	298	33	.	.	PUNCT
afbr-2190	299	1			PUNCT
afbr-2190	300	1	banks	bank	NOUN
afbr-2190	300	2	are	be	AUX
afbr-2190	300	3	implementing	implement	VERB
afbr-2190	300	4	responsible	responsible	ADJ
afbr-2190	300	5	lending	lending	NOUN
afbr-2190	300	6	practices	practice	NOUN
afbr-2190	300	7	to	to	PART
afbr-2190	300	8	ensure	ensure	VERB
afbr-2190	300	9	that	that	SCONJ
afbr-2190	300	10	loans	loan	NOUN
afbr-2190	300	11	are	be	AUX
afbr-2190	300	12	aligned	align	VERB
afbr-2190	300	13	with	with	ADP
afbr-2190	300	14	environmental	environmental	ADJ
afbr-2190	300	15	sustainability	sustainability	NOUN
afbr-2190	300	16	objectives	objective	NOUN
afbr-2190	300	17	,	,	PUNCT
afbr-2190	300	18	including	include	VERB
afbr-2190	300	19	compliance	compliance	NOUN
afbr-2190	300	20	with	with	ADP
afbr-2190	300	21	environmental	environmental	ADJ
afbr-2190	300	22	regulations	regulation	NOUN
afbr-2190	300	23	,	,	PUNCT
afbr-2190	300	24	adherence	adherence	NOUN
afbr-2190	300	25	to	to	ADP
afbr-2190	300	26	sustainability	sustainability	NOUN
afbr-2190	300	27	standards	standard	NOUN
afbr-2190	300	28	,	,	PUNCT
afbr-2190	300	29	and	and	CCONJ
afbr-2190	300	30	support	support	NOUN
afbr-2190	300	31	for	for	ADP
afbr-2190	300	32	environmentally	environmentally	ADV
afbr-2190	300	33	responsible	responsible	ADJ
afbr-2190	300	34	business	business	NOUN
afbr-2190	300	35	practices	practice	NOUN
afbr-2190	300	36	.	.	PUNCT
afbr-2190	301	1			PUNCT
afbr-2190	302	1	banks	bank	NOUN
afbr-2190	302	2	are	be	AUX
afbr-2190	302	3	engaging	engage	VERB
afbr-2190	302	4	with	with	ADP
afbr-2190	302	5	borrowers	borrower	NOUN
afbr-2190	302	6	to	to	PART
afbr-2190	302	7	promote	promote	VERB
afbr-2190	302	8	sustainable	sustainable	ADJ
afbr-2190	302	9	business	business	NOUN
afbr-2190	302	10	practices	practice	NOUN
afbr-2190	302	11	,	,	PUNCT
afbr-2190	302	12	provide	provide	VERB
afbr-2190	302	13	incentives	incentive	NOUN
afbr-2190	302	14	for	for	ADP
afbr-2190	302	15	environmental	environmental	ADJ
afbr-2190	302	16	performance	performance	NOUN
afbr-2190	302	17	improvement	improvement	NOUN
afbr-2190	302	18	,	,	PUNCT
afbr-2190	302	19	and	and	CCONJ
afbr-2190	302	20	facilitate	facilitate	VERB
afbr-2190	302	21	the	the	DET
afbr-2190	302	22	adoption	adoption	NOUN
afbr-2190	302	23	of	of	ADP
afbr-2190	302	24	sustainable	sustainable	ADJ
afbr-2190	302	25	technologies	technology	NOUN
afbr-2190	302	26	and	and	CCONJ
afbr-2190	302	27	practices	practice	NOUN
afbr-2190	302	28	.	.	PUNCT
afbr-2190	303	1	climate	climate	NOUN
afbr-2190	303	2	resilience	resilience	NOUN
afbr-2190	303	3	and	and	CCONJ
afbr-2190	303	4	adaptation	adaptation	NOUN
afbr-2190	303	5			AUX
afbr-2190	303	6	australian	australian	ADJ
afbr-2190	303	7	banks	bank	NOUN
afbr-2190	303	8	are	be	AUX
afbr-2190	303	9	also	also	ADV
afbr-2190	303	10	focusing	focus	VERB
afbr-2190	303	11	on	on	ADP
afbr-2190	303	12	building	build	VERB
afbr-2190	303	13	climate	climate	NOUN
afbr-2190	303	14	resilience	resilience	NOUN
afbr-2190	303	15	and	and	CCONJ
afbr-2190	303	16	adaptation	adaptation	NOUN
afbr-2190	303	17	measures	measure	NOUN
afbr-2190	303	18	to	to	PART
afbr-2190	303	19	address	address	VERB
afbr-2190	303	20	the	the	DET
afbr-2190	303	21	physical	physical	ADJ
afbr-2190	303	22	impacts	impact	NOUN
afbr-2190	303	23	of	of	ADP
afbr-2190	303	24	climate	climate	NOUN
afbr-2190	303	25	change	change	NOUN
afbr-2190	303	26	and	and	CCONJ
afbr-2190	303	27	enhance	enhance	VERB
afbr-2190	303	28	the	the	DET
afbr-2190	303	29	resilience	resilience	NOUN
afbr-2190	303	30	of	of	ADP
afbr-2190	303	31	communities	community	NOUN
afbr-2190	303	32	and	and	CCONJ
afbr-2190	303	33	businesses	business	NOUN
afbr-2190	303	34	.	.	PUNCT
afbr-2190	304	1			PUNCT
afbr-2190	305	1	banks	bank	NOUN
afbr-2190	305	2	are	be	AUX
afbr-2190	305	3	investing	invest	VERB
afbr-2190	305	4	in	in	ADP
afbr-2190	305	5	climate	climate	NOUN
afbr-2190	305	6	-	-	PUNCT
afbr-2190	305	7	resilient	resilient	ADJ
afbr-2190	305	8	infrastructure	infrastructure	NOUN
afbr-2190	305	9	,	,	PUNCT
afbr-2190	305	10	disaster	disaster	NOUN
afbr-2190	305	11	risk	risk	NOUN
afbr-2190	305	12	reduction	reduction	NOUN
afbr-2190	305	13	,	,	PUNCT
afbr-2190	305	14	and	and	CCONJ
afbr-2190	305	15	insurance	insurance	NOUN
afbr-2190	305	16	products	product	NOUN
afbr-2190	305	17	to	to	PART
afbr-2190	305	18	help	help	VERB
afbr-2190	305	19	mitigate	mitigate	VERB
afbr-2190	305	20	the	the	DET
afbr-2190	305	21	impacts	impact	NOUN
afbr-2190	305	22	of	of	ADP
afbr-2190	305	23	extreme	extreme	ADJ
afbr-2190	305	24	weather	weather	NOUN
afbr-2190	305	25	events	event	NOUN
afbr-2190	305	26	,	,	PUNCT
afbr-2190	305	27	sea	sea	NOUN
afbr-2190	305	28	-	-	PUNCT
afbr-2190	305	29	level	level	NOUN
afbr-2190	305	30	rise	rise	NOUN
afbr-2190	305	31	,	,	PUNCT
afbr-2190	305	32	and	and	CCONJ
afbr-2190	305	33	other	other	ADJ
afbr-2190	305	34	climate	climate	NOUN
afbr-2190	305	35	-	-	PUNCT
afbr-2190	305	36	related	relate	VERB
afbr-2190	305	37	hazards	hazard	NOUN
afbr-2190	305	38	.	.	PUNCT
afbr-2190	306	1			PUNCT
afbr-2190	307	1	banks	bank	NOUN
afbr-2190	307	2	are	be	AUX
afbr-2190	307	3	working	work	VERB
afbr-2190	307	4	with	with	ADP
afbr-2190	307	5	stakeholders	stakeholder	NOUN
afbr-2190	307	6	to	to	PART
afbr-2190	307	7	develop	develop	VERB
afbr-2190	307	8	strategies	strategy	NOUN
afbr-2190	307	9	for	for	ADP
afbr-2190	307	10	managing	manage	VERB
afbr-2190	307	11	climate	climate	NOUN
afbr-2190	307	12	-	-	PUNCT
afbr-2190	307	13	related	relate	VERB
afbr-2190	307	14	risks	risk	NOUN
afbr-2190	307	15	,	,	PUNCT
afbr-2190	307	16	enhancing	enhance	VERB
afbr-2190	307	17	emergency	emergency	NOUN
afbr-2190	307	18	preparedness	preparedness	NOUN
afbr-2190	307	19	,	,	PUNCT
afbr-2190	307	20	and	and	CCONJ
afbr-2190	307	21	supporting	support	VERB
afbr-2190	307	22	community	community	NOUN
afbr-2190	307	23	resilience	resilience	NOUN
afbr-2190	307	24	-	-	PUNCT
afbr-2190	307	25	building	building	NOUN
afbr-2190	307	26	efforts	effort	NOUN
afbr-2190	307	27	.	.	PUNCT
afbr-2190	308	1	in	in	ADP
afbr-2190	308	2	conclusion	conclusion	NOUN
afbr-2190	308	3	,	,	PUNCT
afbr-2190	308	4	australian	australian	ADJ
afbr-2190	308	5	banks	bank	NOUN
afbr-2190	308	6	are	be	AUX
afbr-2190	308	7	taking	take	VERB
afbr-2190	308	8	proactive	proactive	ADJ
afbr-2190	308	9	steps	step	NOUN
afbr-2190	308	10	to	to	PART
afbr-2190	308	11	address	address	VERB
afbr-2190	308	12	climate	climate	NOUN
afbr-2190	308	13	change	change	NOUN
afbr-2190	308	14	and	and	CCONJ
afbr-2190	308	15	promote	promote	VERB
afbr-2190	308	16	sustainable	sustainable	ADJ
afbr-2190	308	17	finance	finance	NOUN
afbr-2190	308	18	through	through	ADP
afbr-2190	308	19	initiatives	initiative	NOUN
afbr-2190	308	20	focused	focus	VERB
afbr-2190	308	21	on	on	ADP
afbr-2190	308	22	climate	climate	NOUN
afbr-2190	308	23	risk	risk	NOUN
afbr-2190	308	24	assessment	assessment	NOUN
afbr-2190	308	25	,	,	PUNCT
afbr-2190	308	26	green	green	ADJ
afbr-2190	308	27	finance	finance	NOUN
afbr-2190	308	28	,	,	PUNCT
afbr-2190	308	29	sustainable	sustainable	ADJ
afbr-2190	308	30	lending	lending	NOUN
afbr-2190	308	31	,	,	PUNCT
afbr-2190	308	32	and	and	CCONJ
afbr-2190	308	33	climate	climate	NOUN
afbr-2190	308	34	resilience	resilience	NOUN
afbr-2190	308	35	.	.	PUNCT
afbr-2190	309	1	by	by	ADP
afbr-2190	309	2	aligning	align	VERB
afbr-2190	309	3	their	their	PRON
afbr-2190	309	4	business	business	NOUN
afbr-2190	309	5	strategies	strategy	NOUN
afbr-2190	309	6	with	with	ADP
afbr-2190	309	7	environmental	environmental	ADJ
afbr-2190	309	8	sustainability	sustainability	NOUN
afbr-2190	309	9	goals	goal	NOUN
afbr-2190	309	10	and	and	CCONJ
afbr-2190	309	11	supporting	support	VERB
afbr-2190	309	12	the	the	DET
afbr-2190	309	13	transition	transition	NOUN
afbr-2190	309	14	to	to	ADP
afbr-2190	309	15	a	a	DET
afbr-2190	309	16	low	low	ADJ
afbr-2190	309	17	-	-	PUNCT
afbr-2190	309	18	carbon	carbon	NOUN
afbr-2190	309	19	economy	economy	NOUN
afbr-2190	309	20	,	,	PUNCT
afbr-2190	309	21	banks	bank	NOUN
afbr-2190	309	22	can	can	AUX
afbr-2190	309	23	play	play	VERB
afbr-2190	309	24	a	a	DET
afbr-2190	309	25	crucial	crucial	ADJ
afbr-2190	309	26	role	role	NOUN
afbr-2190	309	27	in	in	ADP
afbr-2190	309	28	addressing	address	VERB
afbr-2190	309	29	climate	climate	NOUN
afbr-2190	309	30	-	-	PUNCT
afbr-2190	309	31	related	relate	VERB
afbr-2190	309	32	risks	risk	NOUN
afbr-2190	309	33	,	,	PUNCT
afbr-2190	309	34	promoting	promote	VERB
afbr-2190	309	35	sustainable	sustainable	ADJ
afbr-2190	309	36	development	development	NOUN
afbr-2190	309	37	,	,	PUNCT
afbr-2190	309	38	and	and	CCONJ
afbr-2190	309	39	contributing	contribute	VERB
afbr-2190	309	40	to	to	ADP
afbr-2190	309	41	a	a	DET
afbr-2190	309	42	more	more	ADV
afbr-2190	309	43	resilient	resilient	ADJ
afbr-2190	309	44	and	and	CCONJ
afbr-2190	309	45	prosperous	prosperous	ADJ
afbr-2190	309	46	future	future	NOUN
afbr-2190	309	47	.	.	PUNCT
afbr-2190	310	1	future	future	ADJ
afbr-2190	310	2	prospects	prospect	NOUN
afbr-2190	310	3	and	and	CCONJ
afbr-2190	310	4	challenges	challenge	VERB
afbr-2190	310	5	emerging	emerge	VERB
afbr-2190	310	6	trends	trend	NOUN
afbr-2190	310	7	:	:	PUNCT
afbr-2190	310	8	predictions	prediction	NOUN
afbr-2190	310	9	on	on	ADP
afbr-2190	310	10	the	the	DET
afbr-2190	310	11	future	future	ADJ
afbr-2190	310	12	direction	direction	NOUN
afbr-2190	310	13	of	of	ADP
afbr-2190	310	14	australian	australian	ADJ
afbr-2190	310	15	banking	banking	NOUN
afbr-2190	310	16	,	,	PUNCT
afbr-2190	310	17	including	include	VERB
afbr-2190	310	18	the	the	DET
afbr-2190	310	19	rise	rise	NOUN
afbr-2190	310	20	of	of	ADP
afbr-2190	310	21	digital	digital	ADJ
afbr-2190	310	22	banking	banking	NOUN
afbr-2190	310	23	,	,	PUNCT
afbr-2190	310	24	open	open	ADJ
afbr-2190	310	25	banking	banking	NOUN
afbr-2190	310	26	,	,	PUNCT
afbr-2190	310	27	and	and	CCONJ
afbr-2190	310	28	artificial	artificial	ADJ
afbr-2190	310	29	intelligence	intelligence	NOUN
afbr-2190	310	30	.	.	PUNCT
afbr-2190	311	1	the	the	DET
afbr-2190	311	2	australian	australian	ADJ
afbr-2190	311	3	banking	banking	NOUN
afbr-2190	311	4	sector	sector	NOUN
afbr-2190	311	5	is	be	AUX
afbr-2190	311	6	poised	poise	VERB
afbr-2190	311	7	for	for	ADP
afbr-2190	311	8	significant	significant	ADJ
afbr-2190	311	9	transformation	transformation	NOUN
afbr-2190	311	10	in	in	ADP
afbr-2190	311	11	the	the	DET
afbr-2190	311	12	coming	come	VERB
afbr-2190	311	13	years	year	NOUN
afbr-2190	311	14	,	,	PUNCT
afbr-2190	311	15	driven	drive	VERB
afbr-2190	311	16	by	by	ADP
afbr-2190	311	17	technological	technological	ADJ
afbr-2190	311	18	advancements	advancement	NOUN
afbr-2190	311	19	,	,	PUNCT
afbr-2190	311	20	regulatory	regulatory	ADJ
afbr-2190	311	21	reforms	reform	NOUN
afbr-2190	311	22	,	,	PUNCT
afbr-2190	311	23	and	and	CCONJ
afbr-2190	311	24	changing	change	VERB
afbr-2190	311	25	consumer	consumer	NOUN
afbr-2190	311	26	preferences	preference	NOUN
afbr-2190	311	27	.	.	PUNCT
afbr-2190	312	1	several	several	ADJ
afbr-2190	312	2	emerging	emerge	VERB
afbr-2190	312	3	trends	trend	NOUN
afbr-2190	312	4	are	be	AUX
afbr-2190	312	5	likely	likely	ADJ
afbr-2190	312	6	to	to	PART
afbr-2190	312	7	shape	shape	VERB
afbr-2190	312	8	the	the	DET
afbr-2190	312	9	future	future	ADJ
afbr-2190	312	10	direction	direction	NOUN
afbr-2190	312	11	of	of	ADP
afbr-2190	312	12	australian	australian	ADJ
afbr-2190	312	13	banking	banking	NOUN
afbr-2190	312	14	,	,	PUNCT
afbr-2190	312	15	including	include	VERB
afbr-2190	312	16	the	the	DET
afbr-2190	312	17	rise	rise	NOUN
afbr-2190	312	18	of	of	ADP
afbr-2190	312	19	digital	digital	ADJ
afbr-2190	312	20	banking	banking	NOUN
afbr-2190	312	21	,	,	PUNCT
afbr-2190	312	22	open	open	ADJ
afbr-2190	312	23	banking	banking	NOUN
afbr-2190	312	24	,	,	PUNCT
afbr-2190	312	25	and	and	CCONJ
afbr-2190	312	26	artificial	artificial	ADJ
afbr-2190	312	27	intelligence	intelligence	NOUN
afbr-2190	312	28	(	(	PUNCT
afbr-2190	312	29	ai	ai	NOUN
afbr-2190	312	30	)	)	PUNCT
afbr-2190	312	31	.	.	PUNCT
afbr-2190	313	1	digital	digital	ADJ
afbr-2190	313	2	banking	banking	NOUN
afbr-2190	313	3			VERB
afbr-2190	313	4	the	the	DET
afbr-2190	313	5	adoption	adoption	NOUN
afbr-2190	313	6	of	of	ADP
afbr-2190	313	7	digital	digital	ADJ
afbr-2190	313	8	banking	banking	NOUN
afbr-2190	313	9	is	be	AUX
afbr-2190	313	10	expected	expect	VERB
afbr-2190	313	11	to	to	PART
afbr-2190	313	12	accelerate	accelerate	VERB
afbr-2190	313	13	,	,	PUNCT
afbr-2190	313	14	driven	drive	VERB
afbr-2190	313	15	by	by	ADP
afbr-2190	313	16	changing	change	VERB
afbr-2190	313	17	consumer	consumer	NOUN
afbr-2190	313	18	behavior	behavior	NOUN
afbr-2190	313	19	,	,	PUNCT
afbr-2190	313	20	advancements	advancement	NOUN
afbr-2190	313	21	in	in	ADP
afbr-2190	313	22	technology	technology	NOUN
afbr-2190	313	23	,	,	PUNCT
afbr-2190	313	24	and	and	CCONJ
afbr-2190	313	25	the	the	DET
afbr-2190	313	26	convenience	convenience	NOUN
afbr-2190	313	27	offered	offer	VERB
afbr-2190	313	28	by	by	ADP
afbr-2190	313	29	digital	digital	ADJ
afbr-2190	313	30	channels	channel	NOUN
afbr-2190	313	31	.	.	PUNCT
afbr-2190	314	1			X
afbr-2190	315	1	australian	australian	ADJ
afbr-2190	315	2	banks	bank	NOUN
afbr-2190	315	3	will	will	AUX
afbr-2190	315	4	continue	continue	VERB
afbr-2190	315	5	to	to	PART
afbr-2190	315	6	invest	invest	VERB
afbr-2190	315	7	in	in	ADP
afbr-2190	315	8	digital	digital	ADJ
afbr-2190	315	9	transformation	transformation	NOUN
afbr-2190	315	10	initiatives	initiative	NOUN
afbr-2190	315	11	,	,	PUNCT
afbr-2190	315	12	enhancing	enhance	VERB
afbr-2190	315	13	their	their	PRON
afbr-2190	315	14	online	online	ADJ
afbr-2190	315	15	and	and	CCONJ
afbr-2190	315	16	mobile	mobile	ADJ
afbr-2190	315	17	banking	banking	NOUN
afbr-2190	315	18	platforms	platform	NOUN
afbr-2190	315	19	to	to	PART
afbr-2190	315	20	deliver	deliver	VERB
afbr-2190	315	21	seamless	seamless	ADV
afbr-2190	315	22	,	,	PUNCT
afbr-2190	315	23	personalized	personalized	ADJ
afbr-2190	315	24	,	,	PUNCT
afbr-2190	315	25	and	and	CCONJ
afbr-2190	315	26	intuitive	intuitive	ADJ
afbr-2190	315	27	banking	banking	NOUN
afbr-2190	315	28	experiences	experience	NOUN
afbr-2190	315	29	.	.	PUNCT
afbr-2190	316	1			PART
afbr-2190	317	1	digital	digital	ADJ
afbr-2190	317	2	banking	banking	NOUN
afbr-2190	317	3	will	will	AUX
afbr-2190	317	4	become	become	AUX
afbr-2190	317	5	increasingly	increasingly	ADV
afbr-2190	317	6	integrated	integrate	VERB
afbr-2190	317	7	into	into	ADP
afbr-2190	317	8	consumers	consumer	NOUN
afbr-2190	317	9	'	'	PART
afbr-2190	317	10	daily	daily	ADJ
afbr-2190	317	11	lives	life	NOUN
afbr-2190	317	12	,	,	PUNCT
afbr-2190	317	13	with	with	ADP
afbr-2190	317	14	customers	customer	NOUN
afbr-2190	317	15	expecting	expect	VERB
afbr-2190	317	16	instant	instant	ADJ
afbr-2190	317	17	access	access	NOUN
afbr-2190	317	18	to	to	ADP
afbr-2190	317	19	a	a	DET
afbr-2190	317	20	wide	wide	ADJ
afbr-2190	317	21	range	range	NOUN
afbr-2190	317	22	of	of	ADP
afbr-2190	317	23	banking	banking	NOUN
afbr-2190	317	24	services	service	NOUN
afbr-2190	317	25	and	and	CCONJ
afbr-2190	317	26	personalized	personalize	VERB
afbr-2190	317	27	financial	financial	ADJ
afbr-2190	317	28	advice	advice	NOUN
afbr-2190	317	29	on	on	ADP
afbr-2190	317	30	their	their	PRON
afbr-2190	317	31	preferred	preferred	ADJ
afbr-2190	317	32	digital	digital	ADJ
afbr-2190	317	33	devices	device	NOUN
afbr-2190	317	34	.	.	PUNCT
afbr-2190	318	1	open	open	ADJ
afbr-2190	318	2	banking	banking	NOUN
afbr-2190	318	3			PART
afbr-2190	318	4	the	the	DET
afbr-2190	318	5	implementation	implementation	NOUN
afbr-2190	318	6	of	of	ADP
afbr-2190	318	7	open	open	ADJ
afbr-2190	318	8	banking	banking	NOUN
afbr-2190	318	9	regulations	regulation	NOUN
afbr-2190	318	10	in	in	ADP
afbr-2190	318	11	australia	australia	PROPN
afbr-2190	318	12	is	be	AUX
afbr-2190	318	13	expected	expect	VERB
afbr-2190	318	14	to	to	PART
afbr-2190	318	15	catalyze	catalyze	VERB
afbr-2190	318	16	innovation	innovation	NOUN
afbr-2190	318	17	and	and	CCONJ
afbr-2190	318	18	competition	competition	NOUN
afbr-2190	318	19	in	in	ADP
afbr-2190	318	20	the	the	DET
afbr-2190	318	21	banking	banking	NOUN
afbr-2190	318	22	sector	sector	NOUN
afbr-2190	318	23	by	by	ADP
afbr-2190	318	24	enabling	enable	VERB
afbr-2190	318	25	customers	customer	NOUN
afbr-2190	318	26	to	to	PART
afbr-2190	318	27	securely	securely	ADV
afbr-2190	318	28	share	share	VERB
afbr-2190	318	29	their	their	PRON
afbr-2190	318	30	financial	financial	ADJ
afbr-2190	318	31	data	datum	NOUN
afbr-2190	318	32	with	with	ADP
afbr-2190	318	33	third	third	ADJ
afbr-2190	318	34	-	-	PUNCT
afbr-2190	318	35	party	party	NOUN
afbr-2190	318	36	providers	provider	NOUN
afbr-2190	318	37	.	.	PUNCT
afbr-2190	319	1			PROPN
afbr-2190	320	1	open	open	ADJ
afbr-2190	320	2	banking	banking	NOUN
afbr-2190	320	3	will	will	AUX
afbr-2190	320	4	empower	empower	VERB
afbr-2190	320	5	consumers	consumer	NOUN
afbr-2190	320	6	with	with	ADP
afbr-2190	320	7	greater	great	ADJ
afbr-2190	320	8	control	control	NOUN
afbr-2190	320	9	over	over	ADP
afbr-2190	320	10	their	their	PRON
afbr-2190	320	11	financial	financial	ADJ
afbr-2190	320	12	information	information	NOUN
afbr-2190	320	13	and	and	CCONJ
afbr-2190	320	14	facilitate	facilitate	VERB
afbr-2190	320	15	the	the	DET
afbr-2190	320	16	development	development	NOUN
afbr-2190	320	17	of	of	ADP
afbr-2190	320	18	innovative	innovative	ADJ
afbr-2190	320	19	fintech	fintech	NOUN
afbr-2190	320	20	solutions	solution	NOUN
afbr-2190	320	21	,	,	PUNCT
afbr-2190	320	22	such	such	ADJ
afbr-2190	320	23	as	as	ADP
afbr-2190	320	24	personalized	personalized	ADJ
afbr-2190	320	25	financial	financial	ADJ
afbr-2190	320	26	management	management	NOUN
afbr-2190	320	27	apps	app	NOUN
afbr-2190	320	28	,	,	PUNCT
afbr-2190	320	29	comparison	comparison	NOUN
afbr-2190	320	30	platforms	platform	NOUN
afbr-2190	320	31	,	,	PUNCT
afbr-2190	320	32	and	and	CCONJ
afbr-2190	320	33	tailored	tailor	VERB
afbr-2190	320	34	product	product	NOUN
afbr-2190	320	35	recommendations	recommendation	NOUN
afbr-2190	320	36	.	.	PUNCT
afbr-2190	321	1	jakaria	jakaria	PROPN
afbr-2190	321	2	,	,	PUNCT
afbr-2190	321	3	australian	australian	ADJ
afbr-2190	321	4	finance	finance	NOUN
afbr-2190	321	5	&	&	CCONJ
afbr-2190	321	6	banking	banking	PROPN
afbr-2190	321	7	review	review	NOUN
afbr-2190	321	8	7(1	7(1	NUM
afbr-2190	321	9	)	)	PUNCT
afbr-2190	321	10	(	(	PUNCT
afbr-2190	321	11	2023	2023	NUM
afbr-2190	321	12	)	)	PUNCT
afbr-2190	321	13	,	,	PUNCT
afbr-2190	321	14	9	9	NUM
afbr-2190	321	15	-	-	SYM
afbr-2190	321	16	29	29	NUM
afbr-2190	321	17	20	20	NUM
afbr-2190	321	18			NOUN
afbr-2190	321	19	australian	australian	ADJ
afbr-2190	321	20	banks	bank	NOUN
afbr-2190	321	21	will	will	AUX
afbr-2190	321	22	need	need	VERB
afbr-2190	321	23	to	to	PART
afbr-2190	321	24	adapt	adapt	VERB
afbr-2190	321	25	to	to	ADP
afbr-2190	321	26	the	the	DET
afbr-2190	321	27	open	open	ADJ
afbr-2190	321	28	banking	banking	NOUN
afbr-2190	321	29	ecosystem	ecosystem	NOUN
afbr-2190	321	30	by	by	ADP
afbr-2190	321	31	embracing	embrace	VERB
afbr-2190	321	32	collaboration	collaboration	NOUN
afbr-2190	321	33	with	with	ADP
afbr-2190	321	34	fintechs	fintech	NOUN
afbr-2190	321	35	,	,	PUNCT
afbr-2190	321	36	enhancing	enhance	VERB
afbr-2190	321	37	data	datum	NOUN
afbr-2190	321	38	security	security	NOUN
afbr-2190	321	39	and	and	CCONJ
afbr-2190	321	40	privacy	privacy	NOUN
afbr-2190	321	41	measures	measure	NOUN
afbr-2190	321	42	,	,	PUNCT
afbr-2190	321	43	and	and	CCONJ
afbr-2190	321	44	leveraging	leverage	VERB
afbr-2190	321	45	open	open	ADJ
afbr-2190	321	46	apis	apis	ADJ
afbr-2190	321	47	to	to	PART
afbr-2190	321	48	enable	enable	VERB
afbr-2190	321	49	seamless	seamless	ADJ
afbr-2190	321	50	integration	integration	NOUN
afbr-2190	321	51	with	with	ADP
afbr-2190	321	52	third	third	ADJ
afbr-2190	321	53	-	-	PUNCT
afbr-2190	321	54	party	party	NOUN
afbr-2190	321	55	services	service	NOUN
afbr-2190	321	56	.	.	PUNCT
afbr-2190	322	1	artificial	artificial	ADJ
afbr-2190	322	2	intelligence	intelligence	NOUN
afbr-2190	322	3	(	(	PUNCT
afbr-2190	322	4	ai	ai	NOUN
afbr-2190	322	5	)	)	PUNCT
afbr-2190	322	6			VERB
afbr-2190	323	1	ai	ai	VERB
afbr-2190	323	2	and	and	CCONJ
afbr-2190	323	3	machine	machine	NOUN
afbr-2190	323	4	learning	learning	NOUN
afbr-2190	323	5	technologies	technology	NOUN
afbr-2190	323	6	will	will	AUX
afbr-2190	323	7	play	play	VERB
afbr-2190	323	8	an	an	DET
afbr-2190	323	9	increasingly	increasingly	ADV
afbr-2190	323	10	prominent	prominent	ADJ
afbr-2190	323	11	role	role	NOUN
afbr-2190	323	12	in	in	ADP
afbr-2190	323	13	australian	australian	ADJ
afbr-2190	323	14	banking	banking	NOUN
afbr-2190	323	15	,	,	PUNCT
afbr-2190	323	16	driving	drive	VERB
afbr-2190	323	17	automation	automation	NOUN
afbr-2190	323	18	,	,	PUNCT
afbr-2190	323	19	efficiency	efficiency	NOUN
afbr-2190	323	20	gains	gain	NOUN
afbr-2190	323	21	,	,	PUNCT
afbr-2190	323	22	and	and	CCONJ
afbr-2190	323	23	personalized	personalized	ADJ
afbr-2190	323	24	customer	customer	NOUN
afbr-2190	323	25	experiences	experience	NOUN
afbr-2190	323	26	.	.	PUNCT
afbr-2190	324	1			PUNCT
afbr-2190	325	1	banks	bank	NOUN
afbr-2190	325	2	will	will	AUX
afbr-2190	325	3	leverage	leverage	VERB
afbr-2190	325	4	ai	ai	ADJ
afbr-2190	325	5	-	-	PUNCT
afbr-2190	325	6	powered	power	VERB
afbr-2190	325	7	chatbots	chatbot	NOUN
afbr-2190	325	8	and	and	CCONJ
afbr-2190	325	9	virtual	virtual	ADJ
afbr-2190	325	10	assistants	assistant	NOUN
afbr-2190	325	11	to	to	PART
afbr-2190	325	12	enhance	enhance	VERB
afbr-2190	325	13	customer	customer	NOUN
afbr-2190	325	14	service	service	NOUN
afbr-2190	325	15	,	,	PUNCT
afbr-2190	325	16	provide	provide	VERB
afbr-2190	325	17	real	real	ADJ
afbr-2190	325	18	-	-	PUNCT
afbr-2190	325	19	time	time	NOUN
afbr-2190	325	20	support	support	NOUN
afbr-2190	325	21	,	,	PUNCT
afbr-2190	325	22	and	and	CCONJ
afbr-2190	325	23	streamline	streamline	VERB
afbr-2190	325	24	routine	routine	ADJ
afbr-2190	325	25	inquiries	inquiry	NOUN
afbr-2190	325	26	and	and	CCONJ
afbr-2190	325	27	transactions	transaction	NOUN
afbr-2190	325	28	.	.	PUNCT
afbr-2190	326	1			PUNCT
afbr-2190	327	1	ai	ai	VERB
afbr-2190	327	2	algorithms	algorithm	NOUN
afbr-2190	327	3	will	will	AUX
afbr-2190	327	4	be	be	AUX
afbr-2190	327	5	deployed	deploy	VERB
afbr-2190	327	6	to	to	PART
afbr-2190	327	7	analyze	analyze	VERB
afbr-2190	327	8	vast	vast	ADJ
afbr-2190	327	9	amounts	amount	NOUN
afbr-2190	327	10	of	of	ADP
afbr-2190	327	11	customer	customer	NOUN
afbr-2190	327	12	data	datum	NOUN
afbr-2190	327	13	,	,	PUNCT
afbr-2190	327	14	identify	identify	VERB
afbr-2190	327	15	patterns	pattern	NOUN
afbr-2190	327	16	and	and	CCONJ
afbr-2190	327	17	trends	trend	NOUN
afbr-2190	327	18	,	,	PUNCT
afbr-2190	327	19	and	and	CCONJ
afbr-2190	327	20	offer	offer	VERB
afbr-2190	327	21	personalized	personalized	ADJ
afbr-2190	327	22	product	product	NOUN
afbr-2190	327	23	recommendations	recommendation	NOUN
afbr-2190	327	24	,	,	PUNCT
afbr-2190	327	25	risk	risk	NOUN
afbr-2190	327	26	assessments	assessment	NOUN
afbr-2190	327	27	,	,	PUNCT
afbr-2190	327	28	and	and	CCONJ
afbr-2190	327	29	financial	financial	ADJ
afbr-2190	327	30	advice	advice	NOUN
afbr-2190	327	31	tailored	tailor	VERB
afbr-2190	327	32	to	to	ADP
afbr-2190	327	33	individual	individual	ADJ
afbr-2190	327	34	needs	need	NOUN
afbr-2190	327	35	and	and	CCONJ
afbr-2190	327	36	preferences	preference	NOUN
afbr-2190	327	37	.	.	PUNCT
afbr-2190	328	1	personalization	personalization	NOUN
afbr-2190	328	2	and	and	CCONJ
afbr-2190	328	3	customer	customer	NOUN
afbr-2190	328	4	experience	experience	NOUN
afbr-2190	328	5			NOUN
afbr-2190	328	6	personalization	personalization	NOUN
afbr-2190	328	7	will	will	AUX
afbr-2190	328	8	emerge	emerge	VERB
afbr-2190	328	9	as	as	ADP
afbr-2190	328	10	a	a	DET
afbr-2190	328	11	key	key	ADJ
afbr-2190	328	12	differentiator	differentiator	NOUN
afbr-2190	328	13	in	in	ADP
afbr-2190	328	14	the	the	DET
afbr-2190	328	15	australian	australian	ADJ
afbr-2190	328	16	banking	banking	NOUN
afbr-2190	328	17	sector	sector	NOUN
afbr-2190	328	18	,	,	PUNCT
afbr-2190	328	19	with	with	ADP
afbr-2190	328	20	banks	bank	NOUN
afbr-2190	328	21	leveraging	leverage	VERB
afbr-2190	328	22	data	datum	NOUN
afbr-2190	328	23	analytics	analytic	NOUN
afbr-2190	328	24	,	,	PUNCT
afbr-2190	328	25	ai	ai	VERB
afbr-2190	328	26	,	,	PUNCT
afbr-2190	328	27	and	and	CCONJ
afbr-2190	328	28	machine	machine	NOUN
afbr-2190	328	29	learning	learn	VERB
afbr-2190	328	30	to	to	PART
afbr-2190	328	31	deliver	deliver	VERB
afbr-2190	328	32	highly	highly	ADV
afbr-2190	328	33	targeted	targeted	ADJ
afbr-2190	328	34	and	and	CCONJ
afbr-2190	328	35	relevant	relevant	ADJ
afbr-2190	328	36	products	product	NOUN
afbr-2190	328	37	and	and	CCONJ
afbr-2190	328	38	services	service	NOUN
afbr-2190	328	39	.	.	PUNCT
afbr-2190	329	1			PUNCT
afbr-2190	330	1	banks	bank	NOUN
afbr-2190	330	2	will	will	AUX
afbr-2190	330	3	focus	focus	VERB
afbr-2190	330	4	on	on	ADP
afbr-2190	330	5	enhancing	enhance	VERB
afbr-2190	330	6	the	the	DET
afbr-2190	330	7	customer	customer	NOUN
afbr-2190	330	8	experience	experience	NOUN
afbr-2190	330	9	across	across	ADP
afbr-2190	330	10	all	all	DET
afbr-2190	330	11	touchpoints	touchpoint	NOUN
afbr-2190	330	12	,	,	PUNCT
afbr-2190	330	13	from	from	ADP
afbr-2190	330	14	account	account	NOUN
afbr-2190	330	15	opening	opening	NOUN
afbr-2190	330	16	and	and	CCONJ
afbr-2190	330	17	onboarding	onboarding	NOUN
afbr-2190	330	18	to	to	ADP
afbr-2190	330	19	ongoing	ongoing	ADJ
afbr-2190	330	20	engagement	engagement	NOUN
afbr-2190	330	21	and	and	CCONJ
afbr-2190	330	22	support	support	NOUN
afbr-2190	330	23	,	,	PUNCT
afbr-2190	330	24	by	by	ADP
afbr-2190	330	25	offering	offer	VERB
afbr-2190	330	26	intuitive	intuitive	ADJ
afbr-2190	330	27	interfaces	interface	NOUN
afbr-2190	330	28	,	,	PUNCT
afbr-2190	330	29	proactive	proactive	ADJ
afbr-2190	330	30	notifications	notification	NOUN
afbr-2190	330	31	,	,	PUNCT
afbr-2190	330	32	and	and	CCONJ
afbr-2190	330	33	personalized	personalize	VERB
afbr-2190	330	34	financial	financial	ADJ
afbr-2190	330	35	insights	insight	NOUN
afbr-2190	330	36	.	.	PUNCT
afbr-2190	331	1			PART
afbr-2190	331	2	customer	customer	NOUN
afbr-2190	331	3	-	-	PUNCT
afbr-2190	331	4	centric	centric	NOUN
afbr-2190	331	5	design	design	NOUN
afbr-2190	331	6	principles	principle	NOUN
afbr-2190	331	7	will	will	AUX
afbr-2190	331	8	drive	drive	VERB
afbr-2190	331	9	innovation	innovation	NOUN
afbr-2190	331	10	in	in	ADP
afbr-2190	331	11	product	product	NOUN
afbr-2190	331	12	development	development	NOUN
afbr-2190	331	13	,	,	PUNCT
afbr-2190	331	14	with	with	ADP
afbr-2190	331	15	banks	bank	NOUN
afbr-2190	331	16	co	co	VERB
afbr-2190	331	17	-	-	VERB
afbr-2190	331	18	creating	create	VERB
afbr-2190	331	19	solutions	solution	NOUN
afbr-2190	331	20	with	with	ADP
afbr-2190	331	21	customers	customer	NOUN
afbr-2190	331	22	and	and	CCONJ
afbr-2190	331	23	incorporating	incorporate	VERB
afbr-2190	331	24	feedback	feedback	NOUN
afbr-2190	331	25	to	to	PART
afbr-2190	331	26	continually	continually	ADV
afbr-2190	331	27	improve	improve	VERB
afbr-2190	331	28	usability	usability	NOUN
afbr-2190	331	29	,	,	PUNCT
afbr-2190	331	30	accessibility	accessibility	NOUN
afbr-2190	331	31	,	,	PUNCT
afbr-2190	331	32	and	and	CCONJ
afbr-2190	331	33	satisfaction	satisfaction	NOUN
afbr-2190	331	34	.	.	PUNCT
afbr-2190	332	1	in	in	ADP
afbr-2190	332	2	conclusion	conclusion	NOUN
afbr-2190	332	3	,	,	PUNCT
afbr-2190	332	4	the	the	DET
afbr-2190	332	5	future	future	NOUN
afbr-2190	332	6	of	of	ADP
afbr-2190	332	7	australian	australian	ADJ
afbr-2190	332	8	banking	banking	NOUN
afbr-2190	332	9	is	be	AUX
afbr-2190	332	10	expected	expect	VERB
afbr-2190	332	11	to	to	PART
afbr-2190	332	12	be	be	AUX
afbr-2190	332	13	characterized	characterize	VERB
afbr-2190	332	14	by	by	ADP
afbr-2190	332	15	digital	digital	ADJ
afbr-2190	332	16	innovation	innovation	NOUN
afbr-2190	332	17	,	,	PUNCT
afbr-2190	332	18	open	open	ADJ
afbr-2190	332	19	collaboration	collaboration	NOUN
afbr-2190	332	20	,	,	PUNCT
afbr-2190	332	21	and	and	CCONJ
afbr-2190	332	22	ai	ai	AUX
afbr-2190	332	23	-	-	PUNCT
afbr-2190	332	24	driven	drive	VERB
afbr-2190	332	25	personalization	personalization	NOUN
afbr-2190	332	26	.	.	PUNCT
afbr-2190	333	1	as	as	SCONJ
afbr-2190	333	2	banks	bank	NOUN
afbr-2190	333	3	embrace	embrace	VERB
afbr-2190	333	4	emerging	emerge	VERB
afbr-2190	333	5	technologies	technology	NOUN
afbr-2190	333	6	and	and	CCONJ
afbr-2190	333	7	adapt	adapt	VERB
afbr-2190	333	8	to	to	ADP
afbr-2190	333	9	evolving	evolve	VERB
afbr-2190	333	10	consumer	consumer	NOUN
afbr-2190	333	11	expectations	expectation	NOUN
afbr-2190	333	12	,	,	PUNCT
afbr-2190	333	13	they	they	PRON
afbr-2190	333	14	will	will	AUX
afbr-2190	333	15	be	be	AUX
afbr-2190	333	16	well	well	ADV
afbr-2190	333	17	-	-	PUNCT
afbr-2190	333	18	positioned	position	VERB
afbr-2190	333	19	to	to	PART
afbr-2190	333	20	deliver	deliver	VERB
afbr-2190	333	21	enhanced	enhanced	ADJ
afbr-2190	333	22	value	value	NOUN
afbr-2190	333	23	propositions	proposition	NOUN
afbr-2190	333	24	,	,	PUNCT
afbr-2190	333	25	foster	foster	ADJ
afbr-2190	333	26	innovation	innovation	NOUN
afbr-2190	333	27	,	,	PUNCT
afbr-2190	333	28	and	and	CCONJ
afbr-2190	333	29	drive	drive	VERB
afbr-2190	333	30	sustainable	sustainable	ADJ
afbr-2190	333	31	growth	growth	NOUN
afbr-2190	333	32	in	in	ADP
afbr-2190	333	33	the	the	DET
afbr-2190	333	34	digital	digital	ADJ
afbr-2190	333	35	economy	economy	NOUN
afbr-2190	333	36	.	.	PUNCT
afbr-2190	334	1	addressing	address	VERB
afbr-2190	334	2	challenges	challenge	NOUN
afbr-2190	334	3	:	:	PUNCT
afbr-2190	334	4	strategies	strategy	NOUN
afbr-2190	334	5	to	to	PART
afbr-2190	334	6	navigate	navigate	VERB
afbr-2190	334	7	regulatory	regulatory	ADJ
afbr-2190	334	8	complexities	complexity	NOUN
afbr-2190	334	9	,	,	PUNCT
afbr-2190	334	10	cybersecurity	cybersecurity	NOUN
afbr-2190	334	11	threats	threat	NOUN
afbr-2190	334	12	,	,	PUNCT
afbr-2190	334	13	and	and	CCONJ
afbr-2190	334	14	socio	socio	NOUN
afbr-2190	334	15	-	-	PUNCT
afbr-2190	334	16	economic	economic	ADJ
afbr-2190	334	17	uncertainties	uncertainty	NOUN
afbr-2190	334	18	the	the	DET
afbr-2190	334	19	australian	australian	ADJ
afbr-2190	334	20	banking	banking	NOUN
afbr-2190	334	21	sector	sector	NOUN
afbr-2190	334	22	faces	face	VERB
afbr-2190	334	23	a	a	DET
afbr-2190	334	24	myriad	myriad	NOUN
afbr-2190	334	25	of	of	ADP
afbr-2190	334	26	challenges	challenge	NOUN
afbr-2190	334	27	,	,	PUNCT
afbr-2190	334	28	including	include	VERB
afbr-2190	334	29	navigating	navigate	VERB
afbr-2190	334	30	regulatory	regulatory	ADJ
afbr-2190	334	31	complexities	complexity	NOUN
afbr-2190	334	32	,	,	PUNCT
afbr-2190	334	33	combating	combat	VERB
afbr-2190	334	34	cybersecurity	cybersecurity	NOUN
afbr-2190	334	35	threats	threat	NOUN
afbr-2190	334	36	,	,	PUNCT
afbr-2190	334	37	and	and	CCONJ
afbr-2190	334	38	addressing	address	VERB
afbr-2190	334	39	socio	socio	NOUN
afbr-2190	334	40	-	-	PUNCT
afbr-2190	334	41	economic	economic	ADJ
afbr-2190	334	42	uncertainties	uncertainty	NOUN
afbr-2190	334	43	.	.	PUNCT
afbr-2190	335	1	to	to	PART
afbr-2190	335	2	effectively	effectively	ADV
afbr-2190	335	3	address	address	VERB
afbr-2190	335	4	these	these	DET
afbr-2190	335	5	challenges	challenge	NOUN
afbr-2190	335	6	,	,	PUNCT
afbr-2190	335	7	banks	bank	NOUN
afbr-2190	335	8	can	can	AUX
afbr-2190	335	9	adopt	adopt	VERB
afbr-2190	335	10	a	a	DET
afbr-2190	335	11	range	range	NOUN
afbr-2190	335	12	of	of	ADP
afbr-2190	335	13	strategies	strategy	NOUN
afbr-2190	335	14	aimed	aim	VERB
afbr-2190	335	15	at	at	ADP
afbr-2190	335	16	enhancing	enhance	VERB
afbr-2190	335	17	regulatory	regulatory	ADJ
afbr-2190	335	18	compliance	compliance	NOUN
afbr-2190	335	19	,	,	PUNCT
afbr-2190	335	20	strengthening	strengthen	VERB
afbr-2190	335	21	cybersecurity	cybersecurity	NOUN
afbr-2190	335	22	defenses	defense	NOUN
afbr-2190	335	23	,	,	PUNCT
afbr-2190	335	24	and	and	CCONJ
afbr-2190	335	25	building	build	VERB
afbr-2190	335	26	resilience	resilience	NOUN
afbr-2190	335	27	in	in	ADP
afbr-2190	335	28	the	the	DET
afbr-2190	335	29	face	face	NOUN
afbr-2190	335	30	of	of	ADP
afbr-2190	335	31	socio	socio	NOUN
afbr-2190	335	32	-	-	PUNCT
afbr-2190	335	33	economic	economic	ADJ
afbr-2190	335	34	uncertainties	uncertainty	NOUN
afbr-2190	335	35	.	.	PUNCT
afbr-2190	336	1	regulatory	regulatory	ADJ
afbr-2190	336	2	compliance	compliance	NOUN
afbr-2190	336	3			PRON
afbr-2190	336	4	stay	stay	VERB
afbr-2190	336	5	abreast	abreast	ADV
afbr-2190	336	6	of	of	ADP
afbr-2190	336	7	regulatory	regulatory	ADJ
afbr-2190	336	8	changes	change	NOUN
afbr-2190	336	9	:	:	PUNCT
afbr-2190	336	10	banks	bank	NOUN
afbr-2190	336	11	should	should	AUX
afbr-2190	336	12	closely	closely	ADV
afbr-2190	336	13	monitor	monitor	VERB
afbr-2190	336	14	regulatory	regulatory	ADJ
afbr-2190	336	15	developments	development	NOUN
afbr-2190	336	16	and	and	CCONJ
afbr-2190	336	17	stay	stay	VERB
afbr-2190	336	18	informed	informed	ADJ
afbr-2190	336	19	about	about	ADP
afbr-2190	336	20	changes	change	NOUN
afbr-2190	336	21	to	to	ADP
afbr-2190	336	22	laws	law	NOUN
afbr-2190	336	23	,	,	PUNCT
afbr-2190	336	24	regulations	regulation	NOUN
afbr-2190	336	25	,	,	PUNCT
afbr-2190	336	26	and	and	CCONJ
afbr-2190	336	27	industry	industry	NOUN
afbr-2190	336	28	standards	standard	NOUN
afbr-2190	336	29	affecting	affect	VERB
afbr-2190	336	30	the	the	DET
afbr-2190	336	31	banking	banking	NOUN
afbr-2190	336	32	sector	sector	NOUN
afbr-2190	336	33	.	.	PUNCT
afbr-2190	337	1			PUNCT
afbr-2190	338	1	implement	implement	VERB
afbr-2190	338	2	robust	robust	ADJ
afbr-2190	338	3	compliance	compliance	NOUN
afbr-2190	338	4	frameworks	framework	NOUN
afbr-2190	338	5	:	:	PUNCT
afbr-2190	338	6	banks	bank	NOUN
afbr-2190	338	7	should	should	AUX
afbr-2190	338	8	establish	establish	VERB
afbr-2190	338	9	comprehensive	comprehensive	ADJ
afbr-2190	338	10	compliance	compliance	NOUN
afbr-2190	338	11	frameworks	framework	NOUN
afbr-2190	338	12	,	,	PUNCT
afbr-2190	338	13	policies	policy	NOUN
afbr-2190	338	14	,	,	PUNCT
afbr-2190	338	15	and	and	CCONJ
afbr-2190	338	16	procedures	procedure	NOUN
afbr-2190	338	17	to	to	PART
afbr-2190	338	18	ensure	ensure	VERB
afbr-2190	338	19	adherence	adherence	NOUN
afbr-2190	338	20	to	to	ADP
afbr-2190	338	21	regulatory	regulatory	ADJ
afbr-2190	338	22	requirements	requirement	NOUN
afbr-2190	338	23	,	,	PUNCT
afbr-2190	338	24	including	include	VERB
afbr-2190	338	25	governance	governance	NOUN
afbr-2190	338	26	structures	structure	NOUN
afbr-2190	338	27	,	,	PUNCT
afbr-2190	338	28	risk	risk	NOUN
afbr-2190	338	29	management	management	NOUN
afbr-2190	338	30	practices	practice	NOUN
afbr-2190	338	31	,	,	PUNCT
afbr-2190	338	32	and	and	CCONJ
afbr-2190	338	33	internal	internal	ADJ
afbr-2190	338	34	controls	control	NOUN
afbr-2190	338	35	.	.	PUNCT
afbr-2190	339	1			PROPN
afbr-2190	339	2	invest	invest	VERB
afbr-2190	339	3	in	in	ADP
afbr-2190	339	4	regulatory	regulatory	ADJ
afbr-2190	339	5	technology	technology	NOUN
afbr-2190	339	6	(	(	PUNCT
afbr-2190	339	7	regtech	regtech	PROPN
afbr-2190	339	8	):	):	PUNCT
afbr-2190	339	9	banks	bank	NOUN
afbr-2190	339	10	can	can	AUX
afbr-2190	339	11	leverage	leverage	VERB
afbr-2190	339	12	regtech	regtech	NOUN
afbr-2190	339	13	solutions	solution	NOUN
afbr-2190	339	14	,	,	PUNCT
afbr-2190	339	15	such	such	ADJ
afbr-2190	339	16	as	as	ADP
afbr-2190	339	17	automation	automation	NOUN
afbr-2190	339	18	,	,	PUNCT
afbr-2190	339	19	data	data	NOUN
afbr-2190	339	20	analytics	analytic	NOUN
afbr-2190	339	21	,	,	PUNCT
afbr-2190	339	22	and	and	CCONJ
afbr-2190	339	23	regulatory	regulatory	ADJ
afbr-2190	339	24	reporting	reporting	NOUN
afbr-2190	339	25	tools	tool	NOUN
afbr-2190	339	26	,	,	PUNCT
afbr-2190	339	27	to	to	PART
afbr-2190	339	28	streamline	streamline	VERB
afbr-2190	339	29	compliance	compliance	NOUN
afbr-2190	339	30	processes	process	NOUN
afbr-2190	339	31	,	,	PUNCT
afbr-2190	339	32	reduce	reduce	VERB
afbr-2190	339	33	manual	manual	ADJ
afbr-2190	339	34	effort	effort	NOUN
afbr-2190	339	35	,	,	PUNCT
afbr-2190	339	36	and	and	CCONJ
afbr-2190	339	37	enhance	enhance	VERB
afbr-2190	339	38	accuracy	accuracy	NOUN
afbr-2190	339	39	and	and	CCONJ
afbr-2190	339	40	efficiency	efficiency	NOUN
afbr-2190	339	41	.	.	PUNCT
afbr-2190	340	1	cybersecurity	cybersecurity	NOUN
afbr-2190	340	2	defense	defense	PROPN
afbr-2190	340	3			PROPN
afbr-2190	340	4	adopt	adopt	VERB
afbr-2190	340	5	a	a	DET
afbr-2190	340	6	risk	risk	NOUN
afbr-2190	340	7	-	-	PUNCT
afbr-2190	340	8	based	base	VERB
afbr-2190	340	9	approach	approach	NOUN
afbr-2190	340	10	:	:	PUNCT
afbr-2190	340	11	banks	bank	NOUN
afbr-2190	340	12	should	should	AUX
afbr-2190	340	13	conduct	conduct	VERB
afbr-2190	340	14	regular	regular	ADJ
afbr-2190	340	15	cybersecurity	cybersecurity	NOUN
afbr-2190	340	16	risk	risk	NOUN
afbr-2190	340	17	assessments	assessment	NOUN
afbr-2190	340	18	to	to	PART
afbr-2190	340	19	identify	identify	VERB
afbr-2190	340	20	vulnerabilities	vulnerability	NOUN
afbr-2190	340	21	,	,	PUNCT
afbr-2190	340	22	assess	assess	VERB
afbr-2190	340	23	potential	potential	ADJ
afbr-2190	340	24	threats	threat	NOUN
afbr-2190	340	25	,	,	PUNCT
afbr-2190	340	26	and	and	CCONJ
afbr-2190	340	27	prioritize	prioritize	VERB
afbr-2190	340	28	mitigation	mitigation	NOUN
afbr-2190	340	29	efforts	effort	NOUN
afbr-2190	340	30	based	base	VERB
afbr-2190	340	31	on	on	ADP
afbr-2190	340	32	the	the	DET
afbr-2190	340	33	level	level	NOUN
afbr-2190	340	34	of	of	ADP
afbr-2190	340	35	risk	risk	NOUN
afbr-2190	340	36	exposure	exposure	NOUN
afbr-2190	340	37	.	.	PUNCT
afbr-2190	341	1			PROPN
afbr-2190	342	1	enhance	enhance	PROPN
afbr-2190	342	2	cybersecurity	cybersecurity	NOUN
afbr-2190	342	3	awareness	awareness	NOUN
afbr-2190	342	4	and	and	CCONJ
afbr-2190	342	5	training	training	NOUN
afbr-2190	342	6	:	:	PUNCT
afbr-2190	342	7	banks	bank	NOUN
afbr-2190	342	8	should	should	AUX
afbr-2190	342	9	invest	invest	VERB
afbr-2190	342	10	in	in	ADP
afbr-2190	342	11	cybersecurity	cybersecurity	NOUN
afbr-2190	342	12	awareness	awareness	NOUN
afbr-2190	342	13	programs	program	NOUN
afbr-2190	342	14	and	and	CCONJ
afbr-2190	342	15	training	training	NOUN
afbr-2190	342	16	initiatives	initiative	NOUN
afbr-2190	342	17	to	to	PART
afbr-2190	342	18	educate	educate	VERB
afbr-2190	342	19	employees	employee	NOUN
afbr-2190	342	20	about	about	ADP
afbr-2190	342	21	common	common	ADJ
afbr-2190	342	22	threats	threat	NOUN
afbr-2190	342	23	,	,	PUNCT
afbr-2190	342	24	phishing	phishe	VERB
afbr-2190	342	25	scams	scam	NOUN
afbr-2190	342	26	,	,	PUNCT
afbr-2190	342	27	and	and	CCONJ
afbr-2190	342	28	best	good	ADJ
afbr-2190	342	29	practices	practice	NOUN
afbr-2190	342	30	for	for	ADP
afbr-2190	342	31	safeguarding	safeguard	VERB
afbr-2190	342	32	sensitive	sensitive	ADJ
afbr-2190	342	33	information	information	NOUN
afbr-2190	342	34	.	.	PUNCT
afbr-2190	343	1			PUNCT
afbr-2190	344	1	implement	implement	VERB
afbr-2190	344	2	multi	multi	ADJ
afbr-2190	344	3	-	-	ADJ
afbr-2190	344	4	layered	layered	ADJ
afbr-2190	344	5	security	security	NOUN
afbr-2190	344	6	controls	control	NOUN
afbr-2190	344	7	:	:	PUNCT
afbr-2190	344	8	banks	bank	NOUN
afbr-2190	344	9	should	should	AUX
afbr-2190	344	10	deploy	deploy	VERB
afbr-2190	344	11	multi	multi	ADJ
afbr-2190	344	12	-	-	ADJ
afbr-2190	344	13	layered	layered	ADJ
afbr-2190	344	14	security	security	NOUN
afbr-2190	344	15	controls	control	NOUN
afbr-2190	344	16	,	,	PUNCT
afbr-2190	344	17	including	include	VERB
afbr-2190	344	18	firewalls	firewall	NOUN
afbr-2190	344	19	,	,	PUNCT
afbr-2190	344	20	encryption	encryption	NOUN
afbr-2190	344	21	,	,	PUNCT
afbr-2190	344	22	intrusion	intrusion	NOUN
afbr-2190	344	23	detection	detection	NOUN
afbr-2190	344	24	systems	system	NOUN
afbr-2190	344	25	,	,	PUNCT
afbr-2190	344	26	and	and	CCONJ
afbr-2190	344	27	access	access	NOUN
afbr-2190	344	28	controls	control	NOUN
afbr-2190	344	29	,	,	PUNCT
afbr-2190	344	30	to	to	PART
afbr-2190	344	31	protect	protect	VERB
afbr-2190	344	32	against	against	ADP
afbr-2190	344	33	cyber	cyber	NOUN
afbr-2190	344	34	threats	threat	NOUN
afbr-2190	344	35	and	and	CCONJ
afbr-2190	344	36	unauthorized	unauthorized	ADJ
afbr-2190	344	37	access	access	NOUN
afbr-2190	344	38	to	to	ADP
afbr-2190	344	39	systems	system	NOUN
afbr-2190	344	40	and	and	CCONJ
afbr-2190	344	41	data	datum	NOUN
afbr-2190	344	42	.	.	PUNCT
afbr-2190	345	1	socio	socio	NOUN
afbr-2190	345	2	-	-	PUNCT
afbr-2190	345	3	economic	economic	ADJ
afbr-2190	345	4	uncertainties	uncertainty	NOUN
afbr-2190	345	5			PART
afbr-2190	345	6	scenario	scenario	NOUN
afbr-2190	345	7	planning	planning	NOUN
afbr-2190	345	8	and	and	CCONJ
afbr-2190	345	9	stress	stress	NOUN
afbr-2190	345	10	testing	testing	NOUN
afbr-2190	345	11	:	:	PUNCT
afbr-2190	345	12	banks	bank	NOUN
afbr-2190	345	13	should	should	AUX
afbr-2190	345	14	conduct	conduct	VERB
afbr-2190	345	15	scenario	scenario	NOUN
afbr-2190	345	16	planning	planning	NOUN
afbr-2190	345	17	and	and	CCONJ
afbr-2190	345	18	stress	stress	NOUN
afbr-2190	345	19	testing	testing	NOUN
afbr-2190	345	20	exercises	exercise	NOUN
afbr-2190	345	21	to	to	PART
afbr-2190	345	22	assess	assess	VERB
afbr-2190	345	23	the	the	DET
afbr-2190	345	24	potential	potential	ADJ
afbr-2190	345	25	impact	impact	NOUN
afbr-2190	345	26	of	of	ADP
afbr-2190	345	27	socio	socio	NOUN
afbr-2190	345	28	-	-	PUNCT
afbr-2190	345	29	economic	economic	ADJ
afbr-2190	345	30	uncertainties	uncertainty	NOUN
afbr-2190	345	31	,	,	PUNCT
afbr-2190	345	32	such	such	ADJ
afbr-2190	345	33	as	as	ADP
afbr-2190	345	34	geopolitical	geopolitical	ADJ
afbr-2190	345	35	risks	risk	NOUN
afbr-2190	345	36	,	,	PUNCT
afbr-2190	345	37	economic	economic	ADJ
afbr-2190	345	38	downturns	downturn	NOUN
afbr-2190	345	39	,	,	PUNCT
afbr-2190	345	40	and	and	CCONJ
afbr-2190	345	41	natural	natural	ADJ
afbr-2190	345	42	disasters	disaster	NOUN
afbr-2190	345	43	,	,	PUNCT
afbr-2190	345	44	on	on	ADP
afbr-2190	345	45	their	their	PRON
afbr-2190	345	46	financial	financial	ADJ
afbr-2190	345	47	performance	performance	NOUN
afbr-2190	345	48	and	and	CCONJ
afbr-2190	345	49	resilience	resilience	NOUN
afbr-2190	345	50	.	.	PUNCT
afbr-2190	346	1			X
afbr-2190	346	2	diversification	diversification	NOUN
afbr-2190	346	3	and	and	CCONJ
afbr-2190	346	4	risk	risk	NOUN
afbr-2190	346	5	management	management	NOUN
afbr-2190	346	6	:	:	PUNCT
afbr-2190	346	7	banks	bank	NOUN
afbr-2190	346	8	should	should	AUX
afbr-2190	346	9	diversify	diversify	VERB
afbr-2190	346	10	their	their	PRON
afbr-2190	346	11	revenue	revenue	NOUN
afbr-2190	346	12	streams	stream	NOUN
afbr-2190	346	13	,	,	PUNCT
afbr-2190	346	14	customer	customer	NOUN
afbr-2190	346	15	base	base	NOUN
afbr-2190	346	16	,	,	PUNCT
afbr-2190	346	17	and	and	CCONJ
afbr-2190	346	18	geographic	geographic	ADJ
afbr-2190	346	19	exposure	exposure	NOUN
afbr-2190	346	20	to	to	PART
afbr-2190	346	21	mitigate	mitigate	VERB
afbr-2190	346	22	concentration	concentration	NOUN
afbr-2190	346	23	risks	risk	NOUN
afbr-2190	346	24	and	and	CCONJ
afbr-2190	346	25	enhance	enhance	VERB
afbr-2190	346	26	resilience	resilience	NOUN
afbr-2190	346	27	to	to	ADP
afbr-2190	346	28	external	external	ADJ
afbr-2190	346	29	shocks	shock	NOUN
afbr-2190	346	30	.	.	PUNCT
afbr-2190	347	1	jakaria	jakaria	PROPN
afbr-2190	347	2	,	,	PUNCT
afbr-2190	347	3	australian	australian	ADJ
afbr-2190	347	4	finance	finance	NOUN
afbr-2190	347	5	&	&	CCONJ
afbr-2190	347	6	banking	banking	PROPN
afbr-2190	347	7	review	review	NOUN
afbr-2190	347	8	7(1	7(1	NUM
afbr-2190	347	9	)	)	PUNCT
afbr-2190	347	10	(	(	PUNCT
afbr-2190	347	11	2023	2023	NUM
afbr-2190	347	12	)	)	PUNCT
afbr-2190	347	13	,	,	PUNCT
afbr-2190	347	14	9	9	NUM
afbr-2190	347	15	-	-	SYM
afbr-2190	347	16	29	29	NUM
afbr-2190	347	17	21	21	NUM
afbr-2190	347	18			NOUN
afbr-2190	347	19	foster	foster	ADJ
afbr-2190	347	20	customer	customer	NOUN
afbr-2190	347	21	relationships	relationship	NOUN
afbr-2190	347	22	and	and	CCONJ
afbr-2190	347	23	trust	trust	NOUN
afbr-2190	347	24	:	:	PUNCT
afbr-2190	347	25	banks	bank	NOUN
afbr-2190	347	26	should	should	AUX
afbr-2190	347	27	prioritize	prioritize	VERB
afbr-2190	347	28	building	build	VERB
afbr-2190	347	29	strong	strong	ADJ
afbr-2190	347	30	customer	customer	NOUN
afbr-2190	347	31	relationships	relationship	NOUN
afbr-2190	347	32	and	and	CCONJ
afbr-2190	347	33	maintaining	maintain	VERB
afbr-2190	347	34	trust	trust	NOUN
afbr-2190	347	35	by	by	ADP
afbr-2190	347	36	providing	provide	VERB
afbr-2190	347	37	transparent	transparent	ADJ
afbr-2190	347	38	communication	communication	NOUN
afbr-2190	347	39	,	,	PUNCT
afbr-2190	347	40	proactive	proactive	ADJ
afbr-2190	347	41	support	support	NOUN
afbr-2190	347	42	,	,	PUNCT
afbr-2190	347	43	and	and	CCONJ
afbr-2190	347	44	responsive	responsive	ADJ
afbr-2190	347	45	solutions	solution	NOUN
afbr-2190	347	46	to	to	PART
afbr-2190	347	47	address	address	VERB
afbr-2190	347	48	the	the	DET
afbr-2190	347	49	evolving	evolve	VERB
afbr-2190	347	50	needs	need	NOUN
afbr-2190	347	51	and	and	CCONJ
afbr-2190	347	52	concerns	concern	NOUN
afbr-2190	347	53	of	of	ADP
afbr-2190	347	54	customers	customer	NOUN
afbr-2190	347	55	during	during	ADP
afbr-2190	347	56	times	time	NOUN
afbr-2190	347	57	of	of	ADP
afbr-2190	347	58	uncertainty	uncertainty	NOUN
afbr-2190	347	59	.	.	PUNCT
afbr-2190	348	1	collaboration	collaboration	NOUN
afbr-2190	348	2	and	and	CCONJ
afbr-2190	348	3	information	information	NOUN
afbr-2190	348	4	sharing	sharing	NOUN
afbr-2190	348	5			PUNCT
afbr-2190	348	6	collaborate	collaborate	VERB
afbr-2190	348	7	with	with	ADP
afbr-2190	348	8	regulatory	regulatory	ADJ
afbr-2190	348	9	authorities	authority	NOUN
afbr-2190	348	10	:	:	PUNCT
afbr-2190	348	11	banks	bank	NOUN
afbr-2190	348	12	should	should	AUX
afbr-2190	348	13	engage	engage	VERB
afbr-2190	348	14	proactively	proactively	ADV
afbr-2190	348	15	with	with	ADP
afbr-2190	348	16	regulatory	regulatory	ADJ
afbr-2190	348	17	authorities	authority	NOUN
afbr-2190	348	18	,	,	PUNCT
afbr-2190	348	19	industry	industry	NOUN
afbr-2190	348	20	associations	association	NOUN
afbr-2190	348	21	,	,	PUNCT
afbr-2190	348	22	and	and	CCONJ
afbr-2190	348	23	government	government	NOUN
afbr-2190	348	24	agencies	agency	NOUN
afbr-2190	348	25	to	to	PART
afbr-2190	348	26	share	share	VERB
afbr-2190	348	27	information	information	NOUN
afbr-2190	348	28	,	,	PUNCT
afbr-2190	348	29	exchange	exchange	VERB
afbr-2190	348	30	best	good	ADJ
afbr-2190	348	31	practices	practice	NOUN
afbr-2190	348	32	,	,	PUNCT
afbr-2190	348	33	and	and	CCONJ
afbr-2190	348	34	address	address	VERB
afbr-2190	348	35	regulatory	regulatory	ADJ
afbr-2190	348	36	challenges	challenge	NOUN
afbr-2190	348	37	collaboratively	collaboratively	ADV
afbr-2190	348	38	.	.	PUNCT
afbr-2190	349	1			PART
afbr-2190	349	2	share	share	NOUN
afbr-2190	349	3	threat	threat	NOUN
afbr-2190	349	4	intelligence	intelligence	NOUN
afbr-2190	349	5	:	:	PUNCT
afbr-2190	349	6	banks	bank	NOUN
afbr-2190	349	7	should	should	AUX
afbr-2190	349	8	participate	participate	VERB
afbr-2190	349	9	in	in	ADP
afbr-2190	349	10	information	information	NOUN
afbr-2190	349	11	-	-	PUNCT
afbr-2190	349	12	sharing	share	VERB
afbr-2190	349	13	networks	network	NOUN
afbr-2190	349	14	,	,	PUNCT
afbr-2190	349	15	such	such	ADJ
afbr-2190	349	16	as	as	ADP
afbr-2190	349	17	industry	industry	NOUN
afbr-2190	349	18	forums	forum	NOUN
afbr-2190	349	19	,	,	PUNCT
afbr-2190	349	20	cybersecurity	cybersecurity	NOUN
afbr-2190	349	21	alliances	alliance	NOUN
afbr-2190	349	22	,	,	PUNCT
afbr-2190	349	23	and	and	CCONJ
afbr-2190	349	24	threat	threat	NOUN
afbr-2190	349	25	intelligence	intelligence	NOUN
afbr-2190	349	26	sharing	sharing	NOUN
afbr-2190	349	27	platforms	platform	NOUN
afbr-2190	349	28	,	,	PUNCT
afbr-2190	349	29	to	to	PART
afbr-2190	349	30	exchange	exchange	VERB
afbr-2190	349	31	threat	threat	NOUN
afbr-2190	349	32	intelligence	intelligence	NOUN
afbr-2190	349	33	,	,	PUNCT
afbr-2190	349	34	cyber	cyber	NOUN
afbr-2190	349	35	defense	defense	NOUN
afbr-2190	349	36	strategies	strategy	NOUN
afbr-2190	349	37	,	,	PUNCT
afbr-2190	349	38	and	and	CCONJ
afbr-2190	349	39	incident	incident	NOUN
afbr-2190	349	40	response	response	NOUN
afbr-2190	349	41	protocols	protocol	NOUN
afbr-2190	349	42	.	.	PUNCT
afbr-2190	350	1	in	in	ADP
afbr-2190	350	2	conclusion	conclusion	NOUN
afbr-2190	350	3	,	,	PUNCT
afbr-2190	350	4	addressing	address	VERB
afbr-2190	350	5	the	the	DET
afbr-2190	350	6	challenges	challenge	NOUN
afbr-2190	350	7	facing	face	VERB
afbr-2190	350	8	the	the	DET
afbr-2190	350	9	australian	australian	ADJ
afbr-2190	350	10	banking	banking	NOUN
afbr-2190	350	11	sector	sector	NOUN
afbr-2190	350	12	requires	require	VERB
afbr-2190	350	13	a	a	DET
afbr-2190	350	14	proactive	proactive	ADJ
afbr-2190	350	15	and	and	CCONJ
afbr-2190	350	16	multifaceted	multifaceted	ADJ
afbr-2190	350	17	approach	approach	NOUN
afbr-2190	350	18	that	that	PRON
afbr-2190	350	19	encompasses	encompass	VERB
afbr-2190	350	20	regulatory	regulatory	ADJ
afbr-2190	350	21	compliance	compliance	NOUN
afbr-2190	350	22	,	,	PUNCT
afbr-2190	350	23	cybersecurity	cybersecurity	NOUN
afbr-2190	350	24	defense	defense	NOUN
afbr-2190	350	25	,	,	PUNCT
afbr-2190	350	26	and	and	CCONJ
afbr-2190	350	27	resilience	resilience	NOUN
afbr-2190	350	28	to	to	PART
afbr-2190	350	29	socio	socio	VERB
afbr-2190	350	30	-	-	PUNCT
afbr-2190	350	31	economic	economic	ADJ
afbr-2190	350	32	uncertainties	uncertainty	NOUN
afbr-2190	350	33	.	.	PUNCT
afbr-2190	351	1	by	by	ADP
afbr-2190	351	2	adopting	adopt	VERB
afbr-2190	351	3	strategies	strategy	NOUN
afbr-2190	351	4	focused	focus	VERB
afbr-2190	351	5	on	on	ADP
afbr-2190	351	6	regulatory	regulatory	ADJ
afbr-2190	351	7	compliance	compliance	NOUN
afbr-2190	351	8	,	,	PUNCT
afbr-2190	351	9	cybersecurity	cybersecurity	NOUN
afbr-2190	351	10	defense	defense	NOUN
afbr-2190	351	11	,	,	PUNCT
afbr-2190	351	12	and	and	CCONJ
afbr-2190	351	13	collaboration	collaboration	NOUN
afbr-2190	351	14	,	,	PUNCT
afbr-2190	351	15	banks	bank	NOUN
afbr-2190	351	16	can	can	AUX
afbr-2190	351	17	navigate	navigate	VERB
afbr-2190	351	18	regulatory	regulatory	ADJ
afbr-2190	351	19	complexities	complexity	NOUN
afbr-2190	351	20	,	,	PUNCT
afbr-2190	351	21	mitigate	mitigate	VERB
afbr-2190	351	22	cybersecurity	cybersecurity	NOUN
afbr-2190	351	23	threats	threat	NOUN
afbr-2190	351	24	,	,	PUNCT
afbr-2190	351	25	and	and	CCONJ
afbr-2190	351	26	enhance	enhance	VERB
afbr-2190	351	27	resilience	resilience	NOUN
afbr-2190	351	28	to	to	PART
afbr-2190	351	29	socio	socio	VERB
afbr-2190	351	30	-	-	PUNCT
afbr-2190	351	31	economic	economic	ADJ
afbr-2190	351	32	uncertainties	uncertainty	NOUN
afbr-2190	351	33	,	,	PUNCT
afbr-2190	351	34	thereby	thereby	ADV
afbr-2190	351	35	safeguarding	safeguard	VERB
afbr-2190	351	36	the	the	DET
afbr-2190	351	37	stability	stability	NOUN
afbr-2190	351	38	and	and	CCONJ
afbr-2190	351	39	integrity	integrity	NOUN
afbr-2190	351	40	of	of	ADP
afbr-2190	351	41	the	the	DET
afbr-2190	351	42	financial	financial	ADJ
afbr-2190	351	43	system	system	NOUN
afbr-2190	351	44	.	.	PUNCT
afbr-2190	352	1	conclusions	conclusion	NOUN
afbr-2190	352	2	recapitulation	recapitulation	NOUN
afbr-2190	352	3	:	:	PUNCT
afbr-2190	352	4	summary	summary	NOUN
afbr-2190	352	5	of	of	ADP
afbr-2190	352	6	key	key	ADJ
afbr-2190	352	7	insights	insight	NOUN
afbr-2190	352	8	from	from	ADP
afbr-2190	352	9	the	the	DET
afbr-2190	352	10	historical	historical	ADJ
afbr-2190	352	11	journey	journey	NOUN
afbr-2190	352	12	of	of	ADP
afbr-2190	352	13	australian	australian	ADJ
afbr-2190	352	14	banking	banking	NOUN
afbr-2190	352	15	the	the	DET
afbr-2190	352	16	historical	historical	ADJ
afbr-2190	352	17	journey	journey	NOUN
afbr-2190	352	18	of	of	ADP
afbr-2190	352	19	australian	australian	ADJ
afbr-2190	352	20	banking	banking	NOUN
afbr-2190	352	21	is	be	AUX
afbr-2190	352	22	marked	mark	VERB
afbr-2190	352	23	by	by	ADP
afbr-2190	352	24	a	a	DET
afbr-2190	352	25	rich	rich	ADJ
afbr-2190	352	26	tapestry	tapestry	NOUN
afbr-2190	352	27	of	of	ADP
afbr-2190	352	28	developments	development	NOUN
afbr-2190	352	29	,	,	PUNCT
afbr-2190	352	30	challenges	challenge	NOUN
afbr-2190	352	31	,	,	PUNCT
afbr-2190	352	32	and	and	CCONJ
afbr-2190	352	33	transformations	transformation	NOUN
afbr-2190	352	34	that	that	PRON
afbr-2190	352	35	have	have	AUX
afbr-2190	352	36	shaped	shape	VERB
afbr-2190	352	37	the	the	DET
afbr-2190	352	38	evolution	evolution	NOUN
afbr-2190	352	39	of	of	ADP
afbr-2190	352	40	the	the	DET
afbr-2190	352	41	banking	banking	NOUN
afbr-2190	352	42	sector	sector	NOUN
afbr-2190	352	43	into	into	ADP
afbr-2190	352	44	what	what	PRON
afbr-2190	352	45	it	it	PRON
afbr-2190	352	46	is	be	AUX
afbr-2190	352	47	today	today	NOUN
afbr-2190	352	48	.	.	PUNCT
afbr-2190	353	1	here	here	ADV
afbr-2190	353	2	are	be	AUX
afbr-2190	353	3	the	the	DET
afbr-2190	353	4	key	key	ADJ
afbr-2190	353	5	insights	insight	NOUN
afbr-2190	353	6	gleaned	glean	VERB
afbr-2190	353	7	from	from	ADP
afbr-2190	353	8	this	this	DET
afbr-2190	353	9	journey	journey	NOUN
afbr-2190	353	10	:	:	PUNCT
afbr-2190	353	11			X
afbr-2190	353	12	colonial	colonial	ADJ
afbr-2190	353	13	origins	origin	NOUN
afbr-2190	353	14	and	and	CCONJ
afbr-2190	353	15	early	early	ADJ
afbr-2190	353	16	growth	growth	NOUN
afbr-2190	353	17	:	:	PUNCT
afbr-2190	353	18	australian	australian	ADJ
afbr-2190	353	19	banking	banking	NOUN
afbr-2190	353	20	traces	trace	VERB
afbr-2190	353	21	its	its	PRON
afbr-2190	353	22	roots	root	NOUN
afbr-2190	353	23	back	back	ADV
afbr-2190	353	24	to	to	ADP
afbr-2190	353	25	the	the	DET
afbr-2190	353	26	early	early	ADJ
afbr-2190	353	27	colonial	colonial	ADJ
afbr-2190	353	28	period	period	NOUN
afbr-2190	353	29	,	,	PUNCT
afbr-2190	353	30	where	where	SCONJ
afbr-2190	353	31	the	the	DET
afbr-2190	353	32	emergence	emergence	NOUN
afbr-2190	353	33	of	of	ADP
afbr-2190	353	34	banking	banking	NOUN
afbr-2190	353	35	institutions	institution	NOUN
afbr-2190	353	36	played	play	VERB
afbr-2190	353	37	a	a	DET
afbr-2190	353	38	crucial	crucial	ADJ
afbr-2190	353	39	role	role	NOUN
afbr-2190	353	40	in	in	ADP
afbr-2190	353	41	facilitating	facilitate	VERB
afbr-2190	353	42	trade	trade	NOUN
afbr-2190	353	43	,	,	PUNCT
afbr-2190	353	44	commerce	commerce	NOUN
afbr-2190	353	45	,	,	PUNCT
afbr-2190	353	46	and	and	CCONJ
afbr-2190	353	47	economic	economic	ADJ
afbr-2190	353	48	development	development	NOUN
afbr-2190	353	49	.	.	PUNCT
afbr-2190	354	1	the	the	DET
afbr-2190	354	2	establishment	establishment	NOUN
afbr-2190	354	3	of	of	ADP
afbr-2190	354	4	the	the	DET
afbr-2190	354	5	first	first	ADJ
afbr-2190	354	6	banks	bank	NOUN
afbr-2190	354	7	laid	lay	VERB
afbr-2190	354	8	the	the	DET
afbr-2190	354	9	foundation	foundation	NOUN
afbr-2190	354	10	for	for	ADP
afbr-2190	354	11	a	a	DET
afbr-2190	354	12	formal	formal	ADJ
afbr-2190	354	13	banking	banking	NOUN
afbr-2190	354	14	system	system	NOUN
afbr-2190	354	15	,	,	PUNCT
afbr-2190	354	16	providing	provide	VERB
afbr-2190	354	17	essential	essential	ADJ
afbr-2190	354	18	financial	financial	ADJ
afbr-2190	354	19	services	service	NOUN
afbr-2190	354	20	to	to	PART
afbr-2190	354	21	support	support	VERB
afbr-2190	354	22	the	the	DET
afbr-2190	354	23	growing	grow	VERB
afbr-2190	354	24	economy	economy	NOUN
afbr-2190	354	25	.	.	PUNCT
afbr-2190	355	1			X
afbr-2190	356	1	challenges	challenge	NOUN
afbr-2190	356	2	and	and	CCONJ
afbr-2190	356	3	adaptations	adaptation	NOUN
afbr-2190	356	4	:	:	PUNCT
afbr-2190	356	5	throughout	throughout	ADP
afbr-2190	356	6	its	its	PRON
afbr-2190	356	7	history	history	NOUN
afbr-2190	356	8	,	,	PUNCT
afbr-2190	356	9	australian	australian	ADJ
afbr-2190	356	10	banking	banking	NOUN
afbr-2190	356	11	has	have	AUX
afbr-2190	356	12	navigated	navigate	VERB
afbr-2190	356	13	through	through	ADP
afbr-2190	356	14	various	various	ADJ
afbr-2190	356	15	challenges	challenge	NOUN
afbr-2190	356	16	,	,	PUNCT
afbr-2190	356	17	including	include	VERB
afbr-2190	356	18	economic	economic	ADJ
afbr-2190	356	19	uncertainties	uncertainty	NOUN
afbr-2190	356	20	,	,	PUNCT
afbr-2190	356	21	currency	currency	NOUN
afbr-2190	356	22	fluctuations	fluctuation	NOUN
afbr-2190	356	23	,	,	PUNCT
afbr-2190	356	24	and	and	CCONJ
afbr-2190	356	25	regulatory	regulatory	ADJ
afbr-2190	356	26	constraints	constraint	NOUN
afbr-2190	356	27	.	.	PUNCT
afbr-2190	357	1	banks	bank	NOUN
afbr-2190	357	2	have	have	AUX
afbr-2190	357	3	demonstrated	demonstrate	VERB
afbr-2190	357	4	resilience	resilience	NOUN
afbr-2190	357	5	and	and	CCONJ
afbr-2190	357	6	adaptability	adaptability	NOUN
afbr-2190	357	7	in	in	ADP
afbr-2190	357	8	responding	respond	VERB
afbr-2190	357	9	to	to	ADP
afbr-2190	357	10	changing	change	VERB
afbr-2190	357	11	market	market	NOUN
afbr-2190	357	12	dynamics	dynamic	NOUN
afbr-2190	357	13	,	,	PUNCT
afbr-2190	357	14	implementing	implement	VERB
afbr-2190	357	15	innovative	innovative	ADJ
afbr-2190	357	16	strategies	strategy	NOUN
afbr-2190	357	17	to	to	PART
afbr-2190	357	18	overcome	overcome	VERB
afbr-2190	357	19	challenges	challenge	NOUN
afbr-2190	357	20	and	and	CCONJ
afbr-2190	357	21	ensure	ensure	VERB
afbr-2190	357	22	continued	continued	ADJ
afbr-2190	357	23	growth	growth	NOUN
afbr-2190	357	24	.	.	PUNCT
afbr-2190	358	1			X
afbr-2190	359	1	consolidation	consolidation	NOUN
afbr-2190	359	2	and	and	CCONJ
afbr-2190	359	3	expansion	expansion	NOUN
afbr-2190	359	4	:	:	PUNCT
afbr-2190	359	5	following	follow	VERB
afbr-2190	359	6	federation	federation	PROPN
afbr-2190	359	7	,	,	PUNCT
afbr-2190	359	8	the	the	DET
afbr-2190	359	9	banking	banking	NOUN
afbr-2190	359	10	sector	sector	NOUN
afbr-2190	359	11	underwent	undergo	VERB
afbr-2190	359	12	significant	significant	ADJ
afbr-2190	359	13	reforms	reform	NOUN
afbr-2190	359	14	,	,	PUNCT
afbr-2190	359	15	leading	lead	VERB
afbr-2190	359	16	to	to	ADP
afbr-2190	359	17	the	the	DET
afbr-2190	359	18	consolidation	consolidation	NOUN
afbr-2190	359	19	of	of	ADP
afbr-2190	359	20	national	national	ADJ
afbr-2190	359	21	banks	bank	NOUN
afbr-2190	359	22	and	and	CCONJ
afbr-2190	359	23	the	the	DET
afbr-2190	359	24	expansion	expansion	NOUN
afbr-2190	359	25	of	of	ADP
afbr-2190	359	26	banking	banking	NOUN
afbr-2190	359	27	services	service	NOUN
afbr-2190	359	28	across	across	ADP
afbr-2190	359	29	the	the	DET
afbr-2190	359	30	country	country	NOUN
afbr-2190	359	31	.	.	PUNCT
afbr-2190	360	1	the	the	DET
afbr-2190	360	2	establishment	establishment	NOUN
afbr-2190	360	3	of	of	ADP
afbr-2190	360	4	regulatory	regulatory	ADJ
afbr-2190	360	5	frameworks	framework	NOUN
afbr-2190	360	6	and	and	CCONJ
afbr-2190	360	7	the	the	DET
afbr-2190	360	8	growth	growth	NOUN
afbr-2190	360	9	of	of	ADP
afbr-2190	360	10	national	national	ADJ
afbr-2190	360	11	banks	bank	NOUN
afbr-2190	360	12	contributed	contribute	VERB
afbr-2190	360	13	to	to	ADP
afbr-2190	360	14	the	the	DET
afbr-2190	360	15	stability	stability	NOUN
afbr-2190	360	16	and	and	CCONJ
afbr-2190	360	17	growth	growth	NOUN
afbr-2190	360	18	of	of	ADP
afbr-2190	360	19	the	the	DET
afbr-2190	360	20	banking	banking	NOUN
afbr-2190	360	21	sector	sector	NOUN
afbr-2190	360	22	in	in	ADP
afbr-2190	360	23	the	the	DET
afbr-2190	360	24	post	post	ADJ
afbr-2190	360	25	-	-	ADJ
afbr-2190	360	26	federation	federation	ADJ
afbr-2190	360	27	era	era	NOUN
afbr-2190	360	28	.	.	PUNCT
afbr-2190	361	1			PROPN
afbr-2190	362	1	impact	impact	NOUN
afbr-2190	362	2	of	of	ADP
afbr-2190	362	3	world	world	NOUN
afbr-2190	362	4	wars	war	NOUN
afbr-2190	362	5	:	:	PUNCT
afbr-2190	362	6	the	the	DET
afbr-2190	362	7	world	world	NOUN
afbr-2190	362	8	wars	war	NOUN
afbr-2190	362	9	had	have	VERB
afbr-2190	362	10	profound	profound	ADJ
afbr-2190	362	11	impacts	impact	NOUN
afbr-2190	362	12	on	on	ADP
afbr-2190	362	13	australian	australian	ADJ
afbr-2190	362	14	banking	banking	NOUN
afbr-2190	362	15	,	,	PUNCT
afbr-2190	362	16	with	with	ADP
afbr-2190	362	17	banks	bank	NOUN
afbr-2190	362	18	playing	play	VERB
afbr-2190	362	19	a	a	DET
afbr-2190	362	20	critical	critical	ADJ
afbr-2190	362	21	role	role	NOUN
afbr-2190	362	22	in	in	ADP
afbr-2190	362	23	financing	finance	VERB
afbr-2190	362	24	wartime	wartime	ADJ
afbr-2190	362	25	efforts	effort	NOUN
afbr-2190	362	26	and	and	CCONJ
afbr-2190	362	27	managing	manage	VERB
afbr-2190	362	28	economic	economic	ADJ
afbr-2190	362	29	disruptions	disruption	NOUN
afbr-2190	362	30	.	.	PUNCT
afbr-2190	363	1	the	the	DET
afbr-2190	363	2	experience	experience	NOUN
afbr-2190	363	3	of	of	ADP
afbr-2190	363	4	wartime	wartime	ADJ
afbr-2190	363	5	finance	finance	NOUN
afbr-2190	363	6	shaped	shape	VERB
afbr-2190	363	7	banking	banking	NOUN
afbr-2190	363	8	practices	practice	NOUN
afbr-2190	363	9	and	and	CCONJ
afbr-2190	363	10	regulations	regulation	NOUN
afbr-2190	363	11	,	,	PUNCT
afbr-2190	363	12	highlighting	highlight	VERB
afbr-2190	363	13	the	the	DET
afbr-2190	363	14	interplay	interplay	NOUN
afbr-2190	363	15	between	between	ADP
afbr-2190	363	16	banking	banking	NOUN
afbr-2190	363	17	,	,	PUNCT
afbr-2190	363	18	government	government	NOUN
afbr-2190	363	19	,	,	PUNCT
afbr-2190	363	20	and	and	CCONJ
afbr-2190	363	21	national	national	ADJ
afbr-2190	363	22	security	security	NOUN
afbr-2190	363	23	interests	interest	NOUN
afbr-2190	363	24	.	.	PUNCT
afbr-2190	364	1			X
afbr-2190	365	1	regulatory	regulatory	ADJ
afbr-2190	365	2	evolution	evolution	NOUN
afbr-2190	365	3	:	:	PUNCT
afbr-2190	365	4	the	the	DET
afbr-2190	365	5	regulatory	regulatory	ADJ
afbr-2190	365	6	framework	framework	NOUN
afbr-2190	365	7	governing	govern	VERB
afbr-2190	365	8	australian	australian	ADJ
afbr-2190	365	9	banking	banking	NOUN
afbr-2190	365	10	has	have	AUX
afbr-2190	365	11	evolved	evolve	VERB
afbr-2190	365	12	over	over	ADP
afbr-2190	365	13	time	time	NOUN
afbr-2190	365	14	,	,	PUNCT
afbr-2190	365	15	reflecting	reflect	VERB
afbr-2190	365	16	changing	change	VERB
afbr-2190	365	17	economic	economic	ADJ
afbr-2190	365	18	conditions	condition	NOUN
afbr-2190	365	19	,	,	PUNCT
afbr-2190	365	20	financial	financial	ADJ
afbr-2190	365	21	innovations	innovation	NOUN
afbr-2190	365	22	,	,	PUNCT
afbr-2190	365	23	and	and	CCONJ
afbr-2190	365	24	regulatory	regulatory	ADJ
afbr-2190	365	25	imperatives	imperative	NOUN
afbr-2190	365	26	.	.	PUNCT
afbr-2190	366	1	the	the	DET
afbr-2190	366	2	establishment	establishment	NOUN
afbr-2190	366	3	of	of	ADP
afbr-2190	366	4	institutions	institution	NOUN
afbr-2190	366	5	such	such	ADJ
afbr-2190	366	6	as	as	ADP
afbr-2190	366	7	the	the	DET
afbr-2190	366	8	reserve	reserve	PROPN
afbr-2190	366	9	bank	bank	PROPN
afbr-2190	366	10	of	of	ADP
afbr-2190	366	11	australia	australia	PROPN
afbr-2190	366	12	(	(	PUNCT
afbr-2190	366	13	rba	rba	NOUN
afbr-2190	366	14	)	)	PUNCT
afbr-2190	366	15	and	and	CCONJ
afbr-2190	366	16	the	the	DET
afbr-2190	366	17	australian	australian	ADJ
afbr-2190	366	18	prudential	prudential	ADJ
afbr-2190	366	19	regulation	regulation	PROPN
afbr-2190	366	20	authority	authority	NOUN
afbr-2190	366	21	(	(	PUNCT
afbr-2190	366	22	apra	apra	ADV
afbr-2190	366	23	)	)	PUNCT
afbr-2190	366	24	has	have	AUX
afbr-2190	366	25	strengthened	strengthen	VERB
afbr-2190	366	26	regulatory	regulatory	ADJ
afbr-2190	366	27	oversight	oversight	NOUN
afbr-2190	366	28	and	and	CCONJ
afbr-2190	366	29	contributed	contribute	VERB
afbr-2190	366	30	to	to	ADP
afbr-2190	366	31	the	the	DET
afbr-2190	366	32	stability	stability	NOUN
afbr-2190	366	33	of	of	ADP
afbr-2190	366	34	the	the	DET
afbr-2190	366	35	financial	financial	ADJ
afbr-2190	366	36	system	system	NOUN
afbr-2190	366	37	.	.	PUNCT
afbr-2190	367	1			PART
afbr-2190	368	1	deregulation	deregulation	NOUN
afbr-2190	368	2	and	and	CCONJ
afbr-2190	368	3	liberalization	liberalization	NOUN
afbr-2190	368	4	:	:	PUNCT
afbr-2190	368	5	the	the	DET
afbr-2190	368	6	deregulation	deregulation	NOUN
afbr-2190	368	7	and	and	CCONJ
afbr-2190	368	8	liberalization	liberalization	NOUN
afbr-2190	368	9	of	of	ADP
afbr-2190	368	10	the	the	DET
afbr-2190	368	11	1980s	1980	NOUN
afbr-2190	368	12	and	and	CCONJ
afbr-2190	368	13	1990s	1990	NOUN
afbr-2190	368	14	ushered	usher	VERB
afbr-2190	368	15	in	in	ADP
afbr-2190	368	16	a	a	DET
afbr-2190	368	17	new	new	ADJ
afbr-2190	368	18	era	era	NOUN
afbr-2190	368	19	of	of	ADP
afbr-2190	368	20	competition	competition	NOUN
afbr-2190	368	21	,	,	PUNCT
afbr-2190	368	22	innovation	innovation	NOUN
afbr-2190	368	23	,	,	PUNCT
afbr-2190	368	24	and	and	CCONJ
afbr-2190	368	25	globalization	globalization	NOUN
afbr-2190	368	26	in	in	ADP
afbr-2190	368	27	australian	australian	ADJ
afbr-2190	368	28	banking	banking	NOUN
afbr-2190	368	29	.	.	PUNCT
afbr-2190	369	1	reforms	reform	NOUN
afbr-2190	369	2	such	such	ADJ
afbr-2190	369	3	as	as	ADP
afbr-2190	369	4	the	the	DET
afbr-2190	369	5	deregulation	deregulation	NOUN
afbr-2190	369	6	of	of	ADP
afbr-2190	369	7	interest	interest	NOUN
afbr-2190	369	8	rates	rate	NOUN
afbr-2190	369	9	,	,	PUNCT
afbr-2190	369	10	removal	removal	NOUN
afbr-2190	369	11	of	of	ADP
afbr-2190	369	12	branching	branch	VERB
afbr-2190	369	13	restrictions	restriction	NOUN
afbr-2190	369	14	,	,	PUNCT
afbr-2190	369	15	and	and	CCONJ
afbr-2190	369	16	entry	entry	NOUN
afbr-2190	369	17	of	of	ADP
afbr-2190	369	18	foreign	foreign	ADJ
afbr-2190	369	19	banks	bank	NOUN
afbr-2190	369	20	transformed	transform	VERB
afbr-2190	369	21	the	the	DET
afbr-2190	369	22	banking	banking	NOUN
afbr-2190	369	23	landscape	landscape	NOUN
afbr-2190	369	24	,	,	PUNCT
afbr-2190	369	25	leading	lead	VERB
afbr-2190	369	26	to	to	ADP
afbr-2190	369	27	increased	increase	VERB
afbr-2190	369	28	efficiency	efficiency	NOUN
afbr-2190	369	29	and	and	CCONJ
afbr-2190	369	30	choice	choice	NOUN
afbr-2190	369	31	for	for	ADP
afbr-2190	369	32	consumers	consumer	NOUN
afbr-2190	369	33	.	.	PUNCT
afbr-2190	370	1			PART
afbr-2190	371	1	digital	digital	ADJ
afbr-2190	371	2	disruption	disruption	NOUN
afbr-2190	371	3	and	and	CCONJ
afbr-2190	371	4	innovation	innovation	NOUN
afbr-2190	371	5	:	:	PUNCT
afbr-2190	371	6	the	the	DET
afbr-2190	371	7	rise	rise	NOUN
afbr-2190	371	8	of	of	ADP
afbr-2190	371	9	digital	digital	ADJ
afbr-2190	371	10	technology	technology	NOUN
afbr-2190	371	11	has	have	AUX
afbr-2190	371	12	revolutionized	revolutionize	VERB
afbr-2190	371	13	australian	australian	ADJ
afbr-2190	371	14	banking	banking	NOUN
afbr-2190	371	15	,	,	PUNCT
afbr-2190	371	16	leading	lead	VERB
afbr-2190	371	17	to	to	ADP
afbr-2190	371	18	the	the	DET
afbr-2190	371	19	emergence	emergence	NOUN
afbr-2190	371	20	of	of	ADP
afbr-2190	371	21	online	online	ADJ
afbr-2190	371	22	banking	banking	NOUN
afbr-2190	371	23	,	,	PUNCT
afbr-2190	371	24	fintech	fintech	NOUN
afbr-2190	371	25	startups	startup	NOUN
afbr-2190	371	26	,	,	PUNCT
afbr-2190	371	27	and	and	CCONJ
afbr-2190	371	28	digital	digital	ADJ
afbr-2190	371	29	currencies	currency	NOUN
afbr-2190	371	30	.	.	PUNCT
afbr-2190	372	1	banks	bank	NOUN
afbr-2190	372	2	have	have	AUX
afbr-2190	372	3	embraced	embrace	VERB
afbr-2190	372	4	technology	technology	NOUN
afbr-2190	372	5	-	-	PUNCT
afbr-2190	372	6	driven	drive	VERB
afbr-2190	372	7	innovations	innovation	NOUN
afbr-2190	372	8	to	to	PART
afbr-2190	372	9	enhance	enhance	VERB
afbr-2190	372	10	customer	customer	NOUN
afbr-2190	372	11	experiences	experience	NOUN
afbr-2190	372	12	,	,	PUNCT
afbr-2190	372	13	improve	improve	VERB
afbr-2190	372	14	operational	operational	ADJ
afbr-2190	372	15	efficiency	efficiency	NOUN
afbr-2190	372	16	,	,	PUNCT
afbr-2190	372	17	and	and	CCONJ
afbr-2190	372	18	meet	meet	VERB
afbr-2190	372	19	evolving	evolve	VERB
afbr-2190	372	20	consumer	consumer	NOUN
afbr-2190	372	21	preferences	preference	NOUN
afbr-2190	372	22	in	in	ADP
afbr-2190	372	23	the	the	DET
afbr-2190	372	24	digital	digital	ADJ
afbr-2190	372	25	age	age	NOUN
afbr-2190	372	26	.	.	PUNCT
afbr-2190	373	1			X
afbr-2190	374	1	corporate	corporate	ADJ
afbr-2190	374	2	social	social	ADJ
afbr-2190	374	3	responsibility	responsibility	NOUN
afbr-2190	374	4	:	:	PUNCT
afbr-2190	374	5	australian	australian	ADJ
afbr-2190	374	6	banks	bank	NOUN
afbr-2190	374	7	are	be	AUX
afbr-2190	374	8	increasingly	increasingly	ADV
afbr-2190	374	9	recognizing	recognize	VERB
afbr-2190	374	10	their	their	PRON
afbr-2190	374	11	responsibilities	responsibility	NOUN
afbr-2190	374	12	towards	towards	ADP
afbr-2190	374	13	society	society	NOUN
afbr-2190	374	14	,	,	PUNCT
afbr-2190	374	15	the	the	DET
afbr-2190	374	16	environment	environment	NOUN
afbr-2190	374	17	,	,	PUNCT
afbr-2190	374	18	and	and	CCONJ
afbr-2190	374	19	ethical	ethical	ADJ
afbr-2190	374	20	business	business	NOUN
afbr-2190	374	21	practices	practice	NOUN
afbr-2190	374	22	.	.	PUNCT
afbr-2190	375	1	initiatives	initiative	NOUN
afbr-2190	375	2	such	such	ADJ
afbr-2190	375	3	as	as	ADP
afbr-2190	375	4	promoting	promote	VERB
afbr-2190	375	5	financial	financial	ADJ
afbr-2190	375	6	inclusion	inclusion	NOUN
afbr-2190	375	7	,	,	PUNCT
afbr-2190	375	8	sustainability	sustainability	NOUN
afbr-2190	375	9	,	,	PUNCT
afbr-2190	375	10	and	and	CCONJ
afbr-2190	375	11	ethical	ethical	ADJ
afbr-2190	375	12	conduct	conduct	NOUN
afbr-2190	375	13	underscore	underscore	NOUN
afbr-2190	375	14	banks	bank	NOUN
afbr-2190	375	15	'	'	PART
afbr-2190	375	16	commitment	commitment	NOUN
afbr-2190	375	17	to	to	ADP
afbr-2190	375	18	creating	create	VERB
afbr-2190	375	19	positive	positive	ADJ
afbr-2190	375	20	social	social	ADJ
afbr-2190	375	21	and	and	CCONJ
afbr-2190	375	22	environmental	environmental	ADJ
afbr-2190	375	23	impact	impact	NOUN
afbr-2190	375	24	while	while	SCONJ
afbr-2190	375	25	driving	drive	VERB
afbr-2190	375	26	sustainable	sustainable	ADJ
afbr-2190	375	27	business	business	NOUN
afbr-2190	375	28	growth	growth	NOUN
afbr-2190	375	29	.	.	PUNCT
afbr-2190	376	1	in	in	ADP
afbr-2190	376	2	summary	summary	NOUN
afbr-2190	376	3	,	,	PUNCT
afbr-2190	376	4	the	the	DET
afbr-2190	376	5	historical	historical	ADJ
afbr-2190	376	6	journey	journey	NOUN
afbr-2190	376	7	of	of	ADP
afbr-2190	376	8	australian	australian	ADJ
afbr-2190	376	9	banking	banking	NOUN
afbr-2190	376	10	reflects	reflect	VERB
afbr-2190	376	11	a	a	DET
afbr-2190	376	12	dynamic	dynamic	ADJ
afbr-2190	376	13	and	and	CCONJ
afbr-2190	376	14	evolving	evolve	VERB
afbr-2190	376	15	sector	sector	NOUN
afbr-2190	376	16	that	that	PRON
afbr-2190	376	17	has	have	AUX
afbr-2190	376	18	adapted	adapt	VERB
afbr-2190	376	19	to	to	ADP
afbr-2190	376	20	changing	change	VERB
afbr-2190	376	21	economic	economic	ADJ
afbr-2190	376	22	,	,	PUNCT
afbr-2190	376	23	technological	technological	ADJ
afbr-2190	376	24	,	,	PUNCT
afbr-2190	376	25	and	and	CCONJ
afbr-2190	376	26	regulatory	regulatory	ADJ
afbr-2190	376	27	landscapes	landscape	NOUN
afbr-2190	376	28	over	over	ADP
afbr-2190	376	29	time	time	NOUN
afbr-2190	376	30	.	.	PUNCT
afbr-2190	377	1	from	from	ADP
afbr-2190	377	2	its	its	PRON
afbr-2190	377	3	humble	humble	ADJ
afbr-2190	377	4	beginnings	beginning	NOUN
afbr-2190	377	5	in	in	ADP
afbr-2190	377	6	the	the	DET
afbr-2190	377	7	colonial	colonial	ADJ
afbr-2190	377	8	era	era	NOUN
afbr-2190	377	9	to	to	ADP
afbr-2190	377	10	its	its	PRON
afbr-2190	377	11	transformation	transformation	NOUN
afbr-2190	377	12	into	into	ADP
afbr-2190	377	13	a	a	DET
afbr-2190	377	14	modern	modern	ADJ
afbr-2190	377	15	,	,	PUNCT
afbr-2190	377	16	digitally	digitally	ADV
afbr-2190	377	17	-	-	PUNCT
afbr-2190	377	18	driven	drive	VERB
afbr-2190	377	19	industry	industry	NOUN
afbr-2190	377	20	,	,	PUNCT
afbr-2190	377	21	australian	australian	ADJ
afbr-2190	377	22	banking	banking	NOUN
afbr-2190	377	23	continues	continue	VERB
afbr-2190	377	24	to	to	PART
afbr-2190	377	25	play	play	VERB
afbr-2190	377	26	a	a	DET
afbr-2190	377	27	vital	vital	ADJ
afbr-2190	377	28	role	role	NOUN
afbr-2190	377	29	in	in	ADP
afbr-2190	377	30	supporting	support	VERB
afbr-2190	377	31	economic	economic	ADJ
afbr-2190	377	32	growth	growth	NOUN
afbr-2190	377	33	,	,	PUNCT
afbr-2190	377	34	fostering	foster	VERB
afbr-2190	377	35	innovation	innovation	NOUN
afbr-2190	377	36	,	,	PUNCT
afbr-2190	377	37	and	and	CCONJ
afbr-2190	377	38	serving	serve	VERB
afbr-2190	377	39	the	the	DET
afbr-2190	377	40	needs	need	NOUN
afbr-2190	377	41	of	of	ADP
afbr-2190	377	42	consumers	consumer	NOUN
afbr-2190	377	43	and	and	CCONJ
afbr-2190	377	44	businesses	business	NOUN
afbr-2190	377	45	alike	alike	ADV
afbr-2190	377	46	.	.	PUNCT
afbr-2190	378	1	jakaria	jakaria	PROPN
afbr-2190	378	2	,	,	PUNCT
afbr-2190	378	3	australian	australian	ADJ
afbr-2190	378	4	finance	finance	NOUN
afbr-2190	378	5	&	&	CCONJ
afbr-2190	378	6	banking	banking	PROPN
afbr-2190	378	7	review	review	NOUN
afbr-2190	378	8	7(1	7(1	NUM
afbr-2190	378	9	)	)	PUNCT
afbr-2190	378	10	(	(	PUNCT
afbr-2190	378	11	2023	2023	NUM
afbr-2190	378	12	)	)	PUNCT
afbr-2190	378	13	,	,	PUNCT
afbr-2190	378	14	9	9	NUM
afbr-2190	378	15	-	-	SYM
afbr-2190	378	16	29	29	NUM
afbr-2190	378	17	22	22	NUM
afbr-2190	378	18	looking	look	VERB
afbr-2190	378	19	ahead	ahead	ADV
afbr-2190	378	20	:	:	PUNCT
afbr-2190	378	21	reflections	reflection	NOUN
afbr-2190	378	22	on	on	ADP
afbr-2190	378	23	the	the	DET
afbr-2190	378	24	resilience	resilience	NOUN
afbr-2190	378	25	,	,	PUNCT
afbr-2190	378	26	adaptability	adaptability	NOUN
afbr-2190	378	27	,	,	PUNCT
afbr-2190	378	28	and	and	CCONJ
afbr-2190	378	29	ongoing	ongoing	ADJ
afbr-2190	378	30	evolution	evolution	NOUN
afbr-2190	378	31	of	of	ADP
afbr-2190	378	32	the	the	DET
afbr-2190	378	33	australian	australian	ADJ
afbr-2190	378	34	banking	banking	NOUN
afbr-2190	378	35	sector	sector	NOUN
afbr-2190	378	36	as	as	SCONJ
afbr-2190	378	37	we	we	PRON
afbr-2190	378	38	gaze	gaze	VERB
afbr-2190	378	39	into	into	ADP
afbr-2190	378	40	the	the	DET
afbr-2190	378	41	future	future	NOUN
afbr-2190	378	42	,	,	PUNCT
afbr-2190	378	43	it	it	PRON
afbr-2190	378	44	becomes	become	VERB
afbr-2190	378	45	evident	evident	ADJ
afbr-2190	378	46	that	that	SCONJ
afbr-2190	378	47	the	the	DET
afbr-2190	378	48	australian	australian	ADJ
afbr-2190	378	49	banking	banking	NOUN
afbr-2190	378	50	sector	sector	NOUN
afbr-2190	378	51	is	be	AUX
afbr-2190	378	52	poised	poise	VERB
afbr-2190	378	53	to	to	PART
afbr-2190	378	54	continue	continue	VERB
afbr-2190	378	55	its	its	PRON
afbr-2190	378	56	journey	journey	NOUN
afbr-2190	378	57	of	of	ADP
afbr-2190	378	58	resilience	resilience	NOUN
afbr-2190	378	59	,	,	PUNCT
afbr-2190	378	60	adaptability	adaptability	NOUN
afbr-2190	378	61	,	,	PUNCT
afbr-2190	378	62	and	and	CCONJ
afbr-2190	378	63	ongoing	ongoing	ADJ
afbr-2190	378	64	evolution	evolution	NOUN
afbr-2190	378	65	in	in	ADP
afbr-2190	378	66	response	response	NOUN
afbr-2190	378	67	to	to	ADP
afbr-2190	378	68	a	a	DET
afbr-2190	378	69	rapidly	rapidly	ADV
afbr-2190	378	70	changing	change	VERB
afbr-2190	378	71	landscape	landscape	NOUN
afbr-2190	378	72	of	of	ADP
afbr-2190	378	73	challenges	challenge	NOUN
afbr-2190	378	74	and	and	CCONJ
afbr-2190	378	75	opportunities	opportunity	NOUN
afbr-2190	378	76	.	.	PUNCT
afbr-2190	379	1	here	here	ADV
afbr-2190	379	2	are	be	AUX
afbr-2190	379	3	some	some	DET
afbr-2190	379	4	reflections	reflection	NOUN
afbr-2190	379	5	on	on	ADP
afbr-2190	379	6	what	what	PRON
afbr-2190	379	7	lies	lie	VERB
afbr-2190	379	8	ahead	ahead	ADV
afbr-2190	379	9	:	:	PUNCT
afbr-2190	379	10			X
afbr-2190	379	11	resilience	resilience	NOUN
afbr-2190	379	12	in	in	ADP
afbr-2190	379	13	the	the	DET
afbr-2190	379	14	face	face	NOUN
afbr-2190	379	15	of	of	ADP
afbr-2190	379	16	uncertainty	uncertainty	NOUN
afbr-2190	379	17	:	:	PUNCT
afbr-2190	379	18	the	the	DET
afbr-2190	379	19	australian	australian	ADJ
afbr-2190	379	20	banking	banking	NOUN
afbr-2190	379	21	sector	sector	NOUN
afbr-2190	379	22	has	have	AUX
afbr-2190	379	23	demonstrated	demonstrate	VERB
afbr-2190	379	24	remarkable	remarkable	ADJ
afbr-2190	379	25	resilience	resilience	NOUN
afbr-2190	379	26	in	in	ADP
afbr-2190	379	27	the	the	DET
afbr-2190	379	28	face	face	NOUN
afbr-2190	379	29	of	of	ADP
afbr-2190	379	30	various	various	ADJ
afbr-2190	379	31	challenges	challenge	NOUN
afbr-2190	379	32	throughout	throughout	ADP
afbr-2190	379	33	its	its	PRON
afbr-2190	379	34	history	history	NOUN
afbr-2190	379	35	,	,	PUNCT
afbr-2190	379	36	including	include	VERB
afbr-2190	379	37	economic	economic	ADJ
afbr-2190	379	38	downturns	downturn	NOUN
afbr-2190	379	39	,	,	PUNCT
afbr-2190	379	40	regulatory	regulatory	ADJ
afbr-2190	379	41	reforms	reform	NOUN
afbr-2190	379	42	,	,	PUNCT
afbr-2190	379	43	and	and	CCONJ
afbr-2190	379	44	geopolitical	geopolitical	ADJ
afbr-2190	379	45	uncertainties	uncertainty	NOUN
afbr-2190	379	46	.	.	PUNCT
afbr-2190	380	1	looking	look	VERB
afbr-2190	380	2	ahead	ahead	ADV
afbr-2190	380	3	,	,	PUNCT
afbr-2190	380	4	the	the	DET
afbr-2190	380	5	sector	sector	NOUN
afbr-2190	380	6	is	be	AUX
afbr-2190	380	7	likely	likely	ADJ
afbr-2190	380	8	to	to	PART
afbr-2190	380	9	continue	continue	VERB
afbr-2190	380	10	to	to	PART
afbr-2190	380	11	weather	weather	VERB
afbr-2190	380	12	storms	storm	NOUN
afbr-2190	380	13	by	by	ADP
afbr-2190	380	14	embracing	embrace	VERB
afbr-2190	380	15	a	a	DET
afbr-2190	380	16	culture	culture	NOUN
afbr-2190	380	17	of	of	ADP
afbr-2190	380	18	risk	risk	NOUN
afbr-2190	380	19	management	management	NOUN
afbr-2190	380	20	,	,	PUNCT
afbr-2190	380	21	prudent	prudent	ADJ
afbr-2190	380	22	governance	governance	NOUN
afbr-2190	380	23	,	,	PUNCT
afbr-2190	380	24	and	and	CCONJ
afbr-2190	380	25	strategic	strategic	ADJ
afbr-2190	380	26	planning	planning	NOUN
afbr-2190	380	27	to	to	PART
afbr-2190	380	28	navigate	navigate	VERB
afbr-2190	380	29	through	through	ADP
afbr-2190	380	30	periods	period	NOUN
afbr-2190	380	31	of	of	ADP
afbr-2190	380	32	uncertainty	uncertainty	NOUN
afbr-2190	380	33	and	and	CCONJ
afbr-2190	380	34	volatility	volatility	NOUN
afbr-2190	380	35	.	.	PUNCT
afbr-2190	381	1			X
afbr-2190	381	2	adaptability	adaptability	NOUN
afbr-2190	381	3	to	to	ADP
afbr-2190	381	4	technological	technological	ADJ
afbr-2190	381	5	change	change	NOUN
afbr-2190	381	6	:	:	PUNCT
afbr-2190	381	7	technological	technological	ADJ
afbr-2190	381	8	advancements	advancement	NOUN
afbr-2190	381	9	,	,	PUNCT
afbr-2190	381	10	particularly	particularly	ADV
afbr-2190	381	11	in	in	ADP
afbr-2190	381	12	the	the	DET
afbr-2190	381	13	realms	realm	NOUN
afbr-2190	381	14	of	of	ADP
afbr-2190	381	15	digitalization	digitalization	NOUN
afbr-2190	381	16	,	,	PUNCT
afbr-2190	381	17	artificial	artificial	ADJ
afbr-2190	381	18	intelligence	intelligence	NOUN
afbr-2190	381	19	,	,	PUNCT
afbr-2190	381	20	and	and	CCONJ
afbr-2190	381	21	blockchain	blockchain	PROPN
afbr-2190	381	22	,	,	PUNCT
afbr-2190	381	23	are	be	AUX
afbr-2190	381	24	reshaping	reshape	VERB
afbr-2190	381	25	the	the	DET
afbr-2190	381	26	banking	banking	NOUN
afbr-2190	381	27	landscape	landscape	NOUN
afbr-2190	381	28	at	at	ADP
afbr-2190	381	29	an	an	DET
afbr-2190	381	30	unprecedented	unprecedented	ADJ
afbr-2190	381	31	pace	pace	NOUN
afbr-2190	381	32	.	.	PUNCT
afbr-2190	382	1	australian	australian	ADJ
afbr-2190	382	2	banks	bank	NOUN
afbr-2190	382	3	must	must	AUX
afbr-2190	382	4	remain	remain	VERB
afbr-2190	382	5	agile	agile	ADJ
afbr-2190	382	6	and	and	CCONJ
afbr-2190	382	7	adaptable	adaptable	ADJ
afbr-2190	382	8	in	in	ADP
afbr-2190	382	9	embracing	embrace	VERB
afbr-2190	382	10	emerging	emerge	VERB
afbr-2190	382	11	technologies	technology	NOUN
afbr-2190	382	12	,	,	PUNCT
afbr-2190	382	13	leveraging	leverage	VERB
afbr-2190	382	14	innovation	innovation	NOUN
afbr-2190	382	15	to	to	PART
afbr-2190	382	16	enhance	enhance	VERB
afbr-2190	382	17	customer	customer	NOUN
afbr-2190	382	18	experiences	experience	NOUN
afbr-2190	382	19	,	,	PUNCT
afbr-2190	382	20	improve	improve	VERB
afbr-2190	382	21	operational	operational	ADJ
afbr-2190	382	22	efficiency	efficiency	NOUN
afbr-2190	382	23	,	,	PUNCT
afbr-2190	382	24	and	and	CCONJ
afbr-2190	382	25	drive	drive	VERB
afbr-2190	382	26	sustainable	sustainable	ADJ
afbr-2190	382	27	growth	growth	NOUN
afbr-2190	382	28	in	in	ADP
afbr-2190	382	29	the	the	DET
afbr-2190	382	30	digital	digital	ADJ
afbr-2190	382	31	era	era	NOUN
afbr-2190	382	32	.	.	PUNCT
afbr-2190	383	1			PART
afbr-2190	384	1	embrace	embrace	NOUN
afbr-2190	384	2	of	of	ADP
afbr-2190	384	3	sustainability	sustainability	NOUN
afbr-2190	384	4	imperatives	imperative	NOUN
afbr-2190	384	5	:	:	PUNCT
afbr-2190	384	6	with	with	ADP
afbr-2190	384	7	growing	grow	VERB
afbr-2190	384	8	awareness	awareness	NOUN
afbr-2190	384	9	of	of	ADP
afbr-2190	384	10	environmental	environmental	ADJ
afbr-2190	384	11	,	,	PUNCT
afbr-2190	384	12	social	social	ADJ
afbr-2190	384	13	,	,	PUNCT
afbr-2190	384	14	and	and	CCONJ
afbr-2190	384	15	governance	governance	NOUN
afbr-2190	384	16	(	(	PUNCT
afbr-2190	384	17	esg	esg	NOUN
afbr-2190	384	18	)	)	PUNCT
afbr-2190	384	19	issues	issue	NOUN
afbr-2190	384	20	,	,	PUNCT
afbr-2190	384	21	australian	australian	ADJ
afbr-2190	384	22	banks	bank	NOUN
afbr-2190	384	23	are	be	AUX
afbr-2190	384	24	expected	expect	VERB
afbr-2190	384	25	to	to	PART
afbr-2190	384	26	intensify	intensify	VERB
afbr-2190	384	27	their	their	PRON
afbr-2190	384	28	focus	focus	NOUN
afbr-2190	384	29	on	on	ADP
afbr-2190	384	30	sustainability	sustainability	NOUN
afbr-2190	384	31	and	and	CCONJ
afbr-2190	384	32	responsible	responsible	ADJ
afbr-2190	384	33	banking	banking	NOUN
afbr-2190	384	34	practices	practice	NOUN
afbr-2190	384	35	.	.	PUNCT
afbr-2190	385	1	this	this	PRON
afbr-2190	385	2	includes	include	VERB
afbr-2190	385	3	promoting	promote	VERB
afbr-2190	385	4	green	green	ADJ
afbr-2190	385	5	finance	finance	NOUN
afbr-2190	385	6	initiatives	initiative	NOUN
afbr-2190	385	7	,	,	PUNCT
afbr-2190	385	8	supporting	support	VERB
afbr-2190	385	9	sustainable	sustainable	ADJ
afbr-2190	385	10	investments	investment	NOUN
afbr-2190	385	11	,	,	PUNCT
afbr-2190	385	12	and	and	CCONJ
afbr-2190	385	13	integrating	integrate	VERB
afbr-2190	385	14	esg	esg	NOUN
afbr-2190	385	15	considerations	consideration	NOUN
afbr-2190	385	16	into	into	ADP
afbr-2190	385	17	decision	decision	NOUN
afbr-2190	385	18	-	-	PUNCT
afbr-2190	385	19	making	make	VERB
afbr-2190	385	20	processes	process	NOUN
afbr-2190	385	21	to	to	PART
afbr-2190	385	22	align	align	VERB
afbr-2190	385	23	with	with	ADP
afbr-2190	385	24	evolving	evolve	VERB
afbr-2190	385	25	stakeholder	stakeholder	NOUN
afbr-2190	385	26	expectations	expectation	NOUN
afbr-2190	385	27	and	and	CCONJ
afbr-2190	385	28	contribute	contribute	VERB
afbr-2190	385	29	to	to	ADP
afbr-2190	385	30	positive	positive	ADJ
afbr-2190	385	31	social	social	ADJ
afbr-2190	385	32	and	and	CCONJ
afbr-2190	385	33	environmental	environmental	ADJ
afbr-2190	385	34	outcomes	outcome	NOUN
afbr-2190	385	35	.	.	PUNCT
afbr-2190	386	1			PROPN
afbr-2190	386	2	continued	continue	VERB
afbr-2190	386	3	regulatory	regulatory	ADJ
afbr-2190	386	4	scrutiny	scrutiny	NOUN
afbr-2190	386	5	and	and	CCONJ
afbr-2190	386	6	compliance	compliance	NOUN
afbr-2190	386	7	:	:	PUNCT
afbr-2190	386	8	regulatory	regulatory	ADJ
afbr-2190	386	9	scrutiny	scrutiny	NOUN
afbr-2190	386	10	on	on	ADP
afbr-2190	386	11	the	the	DET
afbr-2190	386	12	banking	banking	NOUN
afbr-2190	386	13	sector	sector	NOUN
afbr-2190	386	14	is	be	AUX
afbr-2190	386	15	expected	expect	VERB
afbr-2190	386	16	to	to	PART
afbr-2190	386	17	remain	remain	VERB
afbr-2190	386	18	heightened	heighten	VERB
afbr-2190	386	19	,	,	PUNCT
afbr-2190	386	20	with	with	ADP
afbr-2190	386	21	regulators	regulator	NOUN
afbr-2190	386	22	prioritizing	prioritize	VERB
afbr-2190	386	23	financial	financial	ADJ
afbr-2190	386	24	stability	stability	NOUN
afbr-2190	386	25	,	,	PUNCT
afbr-2190	386	26	consumer	consumer	NOUN
afbr-2190	386	27	protection	protection	NOUN
afbr-2190	386	28	,	,	PUNCT
afbr-2190	386	29	and	and	CCONJ
afbr-2190	386	30	integrity	integrity	NOUN
afbr-2190	386	31	in	in	ADP
afbr-2190	386	32	the	the	DET
afbr-2190	386	33	wake	wake	NOUN
afbr-2190	386	34	of	of	ADP
afbr-2190	386	35	global	global	ADJ
afbr-2190	386	36	economic	economic	ADJ
afbr-2190	386	37	challenges	challenge	NOUN
afbr-2190	386	38	and	and	CCONJ
afbr-2190	386	39	systemic	systemic	ADJ
afbr-2190	386	40	risks	risk	NOUN
afbr-2190	386	41	.	.	PUNCT
afbr-2190	387	1	australian	australian	ADJ
afbr-2190	387	2	banks	bank	NOUN
afbr-2190	387	3	must	must	AUX
afbr-2190	387	4	proactively	proactively	ADV
afbr-2190	387	5	engage	engage	VERB
afbr-2190	387	6	with	with	ADP
afbr-2190	387	7	regulators	regulator	NOUN
afbr-2190	387	8	,	,	PUNCT
afbr-2190	387	9	adhere	adhere	VERB
afbr-2190	387	10	to	to	ADP
afbr-2190	387	11	regulatory	regulatory	ADJ
afbr-2190	387	12	requirements	requirement	NOUN
afbr-2190	387	13	,	,	PUNCT
afbr-2190	387	14	and	and	CCONJ
afbr-2190	387	15	invest	invest	VERB
afbr-2190	387	16	in	in	ADP
afbr-2190	387	17	robust	robust	ADJ
afbr-2190	387	18	compliance	compliance	NOUN
afbr-2190	387	19	frameworks	framework	NOUN
afbr-2190	387	20	to	to	PART
afbr-2190	387	21	maintain	maintain	VERB
afbr-2190	387	22	trust	trust	NOUN
afbr-2190	387	23	and	and	CCONJ
afbr-2190	387	24	confidence	confidence	NOUN
afbr-2190	387	25	in	in	ADP
afbr-2190	387	26	the	the	DET
afbr-2190	387	27	financial	financial	ADJ
afbr-2190	387	28	system	system	NOUN
afbr-2190	387	29	.	.	PUNCT
afbr-2190	388	1			PART
afbr-2190	389	1	collaboration	collaboration	NOUN
afbr-2190	389	2	and	and	CCONJ
afbr-2190	389	3	partnerships	partnership	NOUN
afbr-2190	389	4	:	:	PUNCT
afbr-2190	389	5	collaboration	collaboration	NOUN
afbr-2190	389	6	and	and	CCONJ
afbr-2190	389	7	partnerships	partnership	NOUN
afbr-2190	389	8	will	will	AUX
afbr-2190	389	9	be	be	AUX
afbr-2190	389	10	key	key	ADJ
afbr-2190	389	11	drivers	driver	NOUN
afbr-2190	389	12	of	of	ADP
afbr-2190	389	13	innovation	innovation	NOUN
afbr-2190	389	14	and	and	CCONJ
afbr-2190	389	15	competitiveness	competitiveness	NOUN
afbr-2190	389	16	in	in	ADP
afbr-2190	389	17	the	the	DET
afbr-2190	389	18	australian	australian	ADJ
afbr-2190	389	19	banking	banking	NOUN
afbr-2190	389	20	sector	sector	NOUN
afbr-2190	389	21	.	.	PUNCT
afbr-2190	390	1	banks	bank	NOUN
afbr-2190	390	2	are	be	AUX
afbr-2190	390	3	likely	likely	ADJ
afbr-2190	390	4	to	to	PART
afbr-2190	390	5	forge	forge	VERB
afbr-2190	390	6	strategic	strategic	ADJ
afbr-2190	390	7	alliances	alliance	NOUN
afbr-2190	390	8	with	with	ADP
afbr-2190	390	9	fintech	fintech	NOUN
afbr-2190	390	10	startups	startup	NOUN
afbr-2190	390	11	,	,	PUNCT
afbr-2190	390	12	technology	technology	NOUN
afbr-2190	390	13	firms	firm	NOUN
afbr-2190	390	14	,	,	PUNCT
afbr-2190	390	15	and	and	CCONJ
afbr-2190	390	16	other	other	ADJ
afbr-2190	390	17	industry	industry	NOUN
afbr-2190	390	18	players	player	NOUN
afbr-2190	390	19	to	to	PART
afbr-2190	390	20	leverage	leverage	VERB
afbr-2190	390	21	complementary	complementary	ADJ
afbr-2190	390	22	strengths	strength	NOUN
afbr-2190	390	23	,	,	PUNCT
afbr-2190	390	24	co	co	VERB
afbr-2190	390	25	-	-	VERB
afbr-2190	390	26	create	create	VERB
afbr-2190	390	27	innovative	innovative	ADJ
afbr-2190	390	28	solutions	solution	NOUN
afbr-2190	390	29	,	,	PUNCT
afbr-2190	390	30	and	and	CCONJ
afbr-2190	390	31	unlock	unlock	VERB
afbr-2190	390	32	new	new	ADJ
afbr-2190	390	33	opportunities	opportunity	NOUN
afbr-2190	390	34	for	for	ADP
afbr-2190	390	35	growth	growth	NOUN
afbr-2190	390	36	and	and	CCONJ
afbr-2190	390	37	differentiation	differentiation	NOUN
afbr-2190	390	38	in	in	ADP
afbr-2190	390	39	an	an	DET
afbr-2190	390	40	increasingly	increasingly	ADV
afbr-2190	390	41	interconnected	interconnected	ADJ
afbr-2190	390	42	ecosystem	ecosystem	NOUN
afbr-2190	390	43	.	.	PUNCT
afbr-2190	391	1			PART
afbr-2190	391	2	customer	customer	NOUN
afbr-2190	391	3	-	-	PUNCT
afbr-2190	391	4	centricity	centricity	NOUN
afbr-2190	391	5	and	and	CCONJ
afbr-2190	391	6	personalization	personalization	NOUN
afbr-2190	391	7	:	:	PUNCT
afbr-2190	391	8	as	as	SCONJ
afbr-2190	391	9	customer	customer	NOUN
afbr-2190	391	10	expectations	expectation	NOUN
afbr-2190	391	11	continue	continue	VERB
afbr-2190	391	12	to	to	PART
afbr-2190	391	13	evolve	evolve	VERB
afbr-2190	391	14	,	,	PUNCT
afbr-2190	391	15	australian	australian	ADJ
afbr-2190	391	16	banks	bank	NOUN
afbr-2190	391	17	must	must	AUX
afbr-2190	391	18	prioritize	prioritize	VERB
afbr-2190	391	19	customer	customer	NOUN
afbr-2190	391	20	-	-	PUNCT
afbr-2190	391	21	centricity	centricity	NOUN
afbr-2190	391	22	and	and	CCONJ
afbr-2190	391	23	personalized	personalized	ADJ
afbr-2190	391	24	experiences	experience	NOUN
afbr-2190	391	25	to	to	PART
afbr-2190	391	26	differentiate	differentiate	VERB
afbr-2190	391	27	themselves	themselves	PRON
afbr-2190	391	28	in	in	ADP
afbr-2190	391	29	a	a	DET
afbr-2190	391	30	crowded	crowded	ADJ
afbr-2190	391	31	market	market	NOUN
afbr-2190	391	32	.	.	PUNCT
afbr-2190	392	1	this	this	PRON
afbr-2190	392	2	involves	involve	VERB
afbr-2190	392	3	leveraging	leverage	VERB
afbr-2190	392	4	data	datum	NOUN
afbr-2190	392	5	analytics	analytic	NOUN
afbr-2190	392	6	,	,	PUNCT
afbr-2190	392	7	ai	ai	ADJ
afbr-2190	392	8	-	-	PUNCT
afbr-2190	392	9	driven	drive	VERB
afbr-2190	392	10	insights	insight	NOUN
afbr-2190	392	11	,	,	PUNCT
afbr-2190	392	12	and	and	CCONJ
afbr-2190	392	13	digital	digital	ADJ
afbr-2190	392	14	channels	channel	NOUN
afbr-2190	392	15	to	to	PART
afbr-2190	392	16	understand	understand	VERB
afbr-2190	392	17	customer	customer	NOUN
afbr-2190	392	18	needs	need	NOUN
afbr-2190	392	19	,	,	PUNCT
afbr-2190	392	20	anticipate	anticipate	VERB
afbr-2190	392	21	preferences	preference	NOUN
afbr-2190	392	22	,	,	PUNCT
afbr-2190	392	23	and	and	CCONJ
afbr-2190	392	24	deliver	deliver	VERB
afbr-2190	392	25	tailored	tailor	VERB
afbr-2190	392	26	solutions	solution	NOUN
afbr-2190	392	27	that	that	PRON
afbr-2190	392	28	enhance	enhance	VERB
afbr-2190	392	29	value	value	NOUN
afbr-2190	392	30	and	and	CCONJ
afbr-2190	392	31	build	build	VERB
afbr-2190	392	32	long	long	ADV
afbr-2190	392	33	-	-	PUNCT
afbr-2190	392	34	lasting	last	VERB
afbr-2190	392	35	relationships	relationship	NOUN
afbr-2190	392	36	.	.	PUNCT
afbr-2190	393	1	in	in	ADP
afbr-2190	393	2	conclusion	conclusion	NOUN
afbr-2190	393	3	,	,	PUNCT
afbr-2190	393	4	the	the	DET
afbr-2190	393	5	future	future	NOUN
afbr-2190	393	6	of	of	ADP
afbr-2190	393	7	the	the	DET
afbr-2190	393	8	australian	australian	ADJ
afbr-2190	393	9	banking	banking	NOUN
afbr-2190	393	10	sector	sector	NOUN
afbr-2190	393	11	is	be	AUX
afbr-2190	393	12	characterized	characterize	VERB
afbr-2190	393	13	by	by	ADP
afbr-2190	393	14	resilience	resilience	NOUN
afbr-2190	393	15	,	,	PUNCT
afbr-2190	393	16	adaptability	adaptability	NOUN
afbr-2190	393	17	,	,	PUNCT
afbr-2190	393	18	and	and	CCONJ
afbr-2190	393	19	ongoing	ongoing	ADJ
afbr-2190	393	20	evolution	evolution	NOUN
afbr-2190	393	21	in	in	ADP
afbr-2190	393	22	response	response	NOUN
afbr-2190	393	23	to	to	ADP
afbr-2190	393	24	a	a	DET
afbr-2190	393	25	complex	complex	ADJ
afbr-2190	393	26	and	and	CCONJ
afbr-2190	393	27	dynamic	dynamic	ADJ
afbr-2190	393	28	operating	operating	NOUN
afbr-2190	393	29	environment	environment	NOUN
afbr-2190	393	30	.	.	PUNCT
afbr-2190	394	1	by	by	ADP
afbr-2190	394	2	embracing	embrace	VERB
afbr-2190	394	3	technological	technological	ADJ
afbr-2190	394	4	innovation	innovation	NOUN
afbr-2190	394	5	,	,	PUNCT
afbr-2190	394	6	sustainability	sustainability	NOUN
afbr-2190	394	7	imperatives	imperative	NOUN
afbr-2190	394	8	,	,	PUNCT
afbr-2190	394	9	regulatory	regulatory	ADJ
afbr-2190	394	10	compliance	compliance	NOUN
afbr-2190	394	11	,	,	PUNCT
afbr-2190	394	12	collaboration	collaboration	NOUN
afbr-2190	394	13	,	,	PUNCT
afbr-2190	394	14	and	and	CCONJ
afbr-2190	394	15	customer	customer	NOUN
afbr-2190	394	16	-	-	PUNCT
afbr-2190	394	17	centricity	centricity	NOUN
afbr-2190	394	18	,	,	PUNCT
afbr-2190	394	19	australian	australian	ADJ
afbr-2190	394	20	banks	bank	NOUN
afbr-2190	394	21	can	can	AUX
afbr-2190	394	22	navigate	navigate	VERB
afbr-2190	394	23	through	through	ADP
afbr-2190	394	24	challenges	challenge	NOUN
afbr-2190	394	25	,	,	PUNCT
afbr-2190	394	26	seize	seize	VERB
afbr-2190	394	27	opportunities	opportunity	NOUN
afbr-2190	394	28	,	,	PUNCT
afbr-2190	394	29	and	and	CCONJ
afbr-2190	394	30	drive	drive	VERB
afbr-2190	394	31	sustainable	sustainable	ADJ
afbr-2190	394	32	growth	growth	NOUN
afbr-2190	394	33	in	in	ADP
afbr-2190	394	34	the	the	DET
afbr-2190	394	35	years	year	NOUN
afbr-2190	394	36	to	to	PART
afbr-2190	394	37	come	come	VERB
afbr-2190	394	38	.	.	PUNCT
afbr-2190	395	1	author	author	NOUN
afbr-2190	395	2	contributions	contribution	NOUN
afbr-2190	395	3	:	:	PUNCT
afbr-2190	395	4	conceptualization	conceptualization	NOUN
afbr-2190	395	5	,	,	PUNCT
afbr-2190	395	6	s.a	s.a	PROPN
afbr-2190	395	7	j.	j.	PROPN
afbr-2190	395	8	;	;	PUNCT
afbr-2190	395	9	methodology	methodology	PROPN
afbr-2190	395	10	,	,	PUNCT
afbr-2190	395	11	s.a	s.a	PROPN
afbr-2190	395	12	j.	j.	PROPN
afbr-2190	395	13	;	;	PUNCT
afbr-2190	395	14	software	software	PROPN
afbr-2190	395	15	,	,	PUNCT
afbr-2190	395	16	s.a	s.a	PROPN
afbr-2190	395	17	j.	j.	PROPN
afbr-2190	395	18	;	;	PUNCT
afbr-2190	395	19	validation	validation	NOUN
afbr-2190	395	20	,	,	PUNCT
afbr-2190	395	21	s.a	s.a	PROPN
afbr-2190	395	22	j.	j.	PROPN
afbr-2190	395	23	;	;	PUNCT
afbr-2190	395	24	formal	formal	ADJ
afbr-2190	395	25	analysis	analysis	NOUN
afbr-2190	395	26	,	,	PUNCT
afbr-2190	395	27	s.a	s.a	PROPN
afbr-2190	395	28	j.	j.	PROPN
afbr-2190	395	29	;	;	PUNCT
afbr-2190	395	30	investigation	investigation	NOUN
afbr-2190	395	31	,	,	PUNCT
afbr-2190	395	32	s.a	s.a	PROPN
afbr-2190	395	33	j.	j.	PROPN
afbr-2190	395	34	;	;	PUNCT
afbr-2190	395	35	resources	resource	NOUN
afbr-2190	395	36	,	,	PUNCT
afbr-2190	395	37	s.a	s.a	PROPN
afbr-2190	395	38	j.	j.	PROPN
afbr-2190	395	39	;	;	PUNCT
afbr-2190	395	40	data	datum	NOUN
afbr-2190	395	41	curation	curation	NOUN
afbr-2190	395	42	,	,	PUNCT
afbr-2190	395	43	s.a	s.a	PROPN
afbr-2190	395	44	j.	j.	PROPN
afbr-2190	395	45	;	;	PUNCT
afbr-2190	395	46	writing	write	VERB
afbr-2190	395	47	–	–	PUNCT
afbr-2190	395	48	original	original	ADJ
afbr-2190	395	49	draft	draft	NOUN
afbr-2190	395	50	preparation	preparation	NOUN
afbr-2190	395	51	,	,	PUNCT
afbr-2190	395	52	s.a	s.a	PROPN
afbr-2190	395	53	j.	j.	PROPN
afbr-2190	395	54	;	;	PUNCT
afbr-2190	395	55	writing	write	VERB
afbr-2190	395	56	–	–	PUNCT
afbr-2190	395	57	review	review	NOUN
afbr-2190	395	58	&	&	CCONJ
afbr-2190	395	59	editing	editing	PROPN
afbr-2190	395	60	,	,	PUNCT
afbr-2190	395	61	s.a	s.a	PROPN
afbr-2190	395	62	j.	j.	PROPN
afbr-2190	395	63	;	;	PUNCT
afbr-2190	395	64	visualization	visualization	NOUN
afbr-2190	395	65	,	,	PUNCT
afbr-2190	395	66	s.a	s.a	PROPN
afbr-2190	395	67	j.	j.	PROPN
afbr-2190	395	68	;	;	PUNCT
afbr-2190	395	69	supervision	supervision	PROPN
afbr-2190	395	70	,	,	PUNCT
afbr-2190	395	71	s.a	s.a	PROPN
afbr-2190	395	72	j.	j.	PROPN
afbr-2190	395	73	;	;	PUNCT
afbr-2190	395	74	project	project	NOUN
afbr-2190	395	75	administration	administration	NOUN
afbr-2190	395	76	,	,	PUNCT
afbr-2190	395	77	s.a	s.a	PROPN
afbr-2190	395	78	j.	j.	PROPN
afbr-2190	395	79	;	;	PUNCT
afbr-2190	395	80	funding	funding	NOUN
afbr-2190	395	81	acquisition	acquisition	NOUN
afbr-2190	395	82	,	,	PUNCT
afbr-2190	395	83	s.a	s.a	PROPN
afbr-2190	395	84	j.	j.	PROPN
afbr-2190	395	85	authors	author	NOUN
afbr-2190	395	86	have	have	AUX
afbr-2190	395	87	read	read	VERB
afbr-2190	395	88	and	and	CCONJ
afbr-2190	395	89	agreed	agree	VERB
afbr-2190	395	90	to	to	ADP
afbr-2190	395	91	the	the	DET
afbr-2190	395	92	published	publish	VERB
afbr-2190	395	93	version	version	NOUN
afbr-2190	395	94	of	of	ADP
afbr-2190	395	95	the	the	DET
afbr-2190	395	96	manuscript	manuscript	NOUN
afbr-2190	395	97	.	.	PUNCT
afbr-2190	396	1	institutional	institutional	ADJ
afbr-2190	396	2	review	review	PROPN
afbr-2190	396	3	board	board	NOUN
afbr-2190	396	4	statement	statement	NOUN
afbr-2190	396	5	:	:	PUNCT
afbr-2190	396	6	ethical	ethical	ADJ
afbr-2190	396	7	review	review	NOUN
afbr-2190	396	8	and	and	CCONJ
afbr-2190	396	9	approval	approval	NOUN
afbr-2190	396	10	were	be	AUX
afbr-2190	396	11	waived	waive	VERB
afbr-2190	396	12	for	for	ADP
afbr-2190	396	13	this	this	DET
afbr-2190	396	14	study	study	NOUN
afbr-2190	396	15	,	,	PUNCT
afbr-2190	396	16	due	due	ADP
afbr-2190	396	17	to	to	ADP
afbr-2190	396	18	that	that	SCONJ
afbr-2190	396	19	the	the	DET
afbr-2190	396	20	research	research	NOUN
afbr-2190	396	21	does	do	AUX
afbr-2190	396	22	not	not	PART
afbr-2190	396	23	deal	deal	VERB
afbr-2190	396	24	with	with	ADP
afbr-2190	396	25	vulnerable	vulnerable	ADJ
afbr-2190	396	26	groups	group	NOUN
afbr-2190	396	27	or	or	CCONJ
afbr-2190	396	28	sensitive	sensitive	ADJ
afbr-2190	396	29	issues	issue	NOUN
afbr-2190	396	30	.	.	PUNCT
afbr-2190	397	1	funding	funding	NOUN
afbr-2190	397	2	:	:	PUNCT
afbr-2190	397	3	the	the	DET
afbr-2190	397	4	authors	author	NOUN
afbr-2190	397	5	received	receive	VERB
afbr-2190	397	6	no	no	DET
afbr-2190	397	7	direct	direct	ADJ
afbr-2190	397	8	funding	funding	NOUN
afbr-2190	397	9	for	for	ADP
afbr-2190	397	10	this	this	DET
afbr-2190	397	11	research	research	NOUN
afbr-2190	397	12	.	.	PUNCT
afbr-2190	398	1	acknowledgments	acknowledgment	NOUN
afbr-2190	398	2	:	:	PUNCT
afbr-2190	398	3	not	not	PART
afbr-2190	398	4	applicable	applicable	ADJ
afbr-2190	398	5	.	.	PUNCT
afbr-2190	399	1	informed	informed	ADJ
afbr-2190	399	2	consent	consent	NOUN
afbr-2190	399	3	statement	statement	NOUN
afbr-2190	399	4	:	:	PUNCT
afbr-2190	399	5	informed	inform	VERB
afbr-2190	399	6	consent	consent	NOUN
afbr-2190	399	7	was	be	AUX
afbr-2190	399	8	obtained	obtain	VERB
afbr-2190	399	9	from	from	ADP
afbr-2190	399	10	all	all	DET
afbr-2190	399	11	subjects	subject	NOUN
afbr-2190	399	12	involved	involve	VERB
afbr-2190	399	13	in	in	ADP
afbr-2190	399	14	the	the	DET
afbr-2190	399	15	study	study	NOUN
afbr-2190	399	16	.	.	PUNCT
afbr-2190	400	1	data	datum	NOUN
afbr-2190	400	2	availability	availability	NOUN
afbr-2190	400	3	statement	statement	NOUN
afbr-2190	400	4	:	:	PUNCT
afbr-2190	400	5	the	the	DET
afbr-2190	400	6	data	datum	NOUN
afbr-2190	400	7	presented	present	VERB
afbr-2190	400	8	in	in	ADP
afbr-2190	400	9	this	this	DET
afbr-2190	400	10	study	study	NOUN
afbr-2190	400	11	are	be	AUX
afbr-2190	400	12	available	available	ADJ
afbr-2190	400	13	on	on	ADP
afbr-2190	400	14	request	request	NOUN
afbr-2190	400	15	from	from	ADP
afbr-2190	400	16	the	the	DET
afbr-2190	400	17	corresponding	corresponding	ADJ
afbr-2190	400	18	author	author	NOUN
afbr-2190	400	19	.	.	PUNCT
afbr-2190	401	1	the	the	DET
afbr-2190	401	2	data	datum	NOUN
afbr-2190	401	3	are	be	AUX
afbr-2190	401	4	not	not	PART
afbr-2190	401	5	publicly	publicly	ADV
afbr-2190	401	6	available	available	ADJ
afbr-2190	401	7	due	due	ADP
afbr-2190	401	8	to	to	ADP
afbr-2190	401	9	restrictions	restriction	NOUN
afbr-2190	401	10	.	.	PUNCT
afbr-2190	402	1	conflicts	conflict	NOUN
afbr-2190	402	2	of	of	ADP
afbr-2190	402	3	interest	interest	NOUN
afbr-2190	402	4	:	:	PUNCT
afbr-2190	402	5	the	the	DET
afbr-2190	402	6	authors	author	NOUN
afbr-2190	402	7	declare	declare	VERB
afbr-2190	402	8	no	no	DET
afbr-2190	402	9	conflict	conflict	NOUN
afbr-2190	402	10	of	of	ADP
afbr-2190	402	11	interest	interest	NOUN
afbr-2190	402	12	.	.	PUNCT
afbr-2190	403	1	references	reference	NOUN
afbr-2190	403	2	asheq	asheq	NOUN
afbr-2190	403	3	,	,	PUNCT
afbr-2190	403	4	a.	a.	NOUN
afbr-2190	403	5	a.	a.	PROPN
afbr-2190	403	6	,	,	PUNCT
afbr-2190	403	7	tanchi	tanchi	NOUN
afbr-2190	403	8	,	,	PUNCT
afbr-2190	403	9	k.	k.	PROPN
afbr-2190	403	10	r.	r.	PROPN
afbr-2190	403	11	,	,	PUNCT
afbr-2190	403	12	kamruzzaman	kamruzzaman	NOUN
afbr-2190	403	13	,	,	PUNCT
afbr-2190	403	14	m.	m.	NOUN
afbr-2190	403	15	,	,	PUNCT
afbr-2190	403	16	&	&	CCONJ
afbr-2190	403	17	karim	karim	PROPN
afbr-2190	403	18	,	,	PUNCT
afbr-2190	403	19	m.	m.	NOUN
afbr-2190	403	20	m.	m.	NOUN
afbr-2190	403	21	(	(	PUNCT
afbr-2190	403	22	2021	2021	NUM
afbr-2190	403	23	)	)	PUNCT
afbr-2190	403	24	.	.	PUNCT
afbr-2190	404	1	the	the	DET
afbr-2190	404	2	impact	impact	NOUN
afbr-2190	404	3	of	of	ADP
afbr-2190	404	4	e	e	NOUN
afbr-2190	404	5	-	-	ADJ
afbr-2190	404	6	marketing	marketing	ADJ
afbr-2190	404	7	orientation	orientation	NOUN
afbr-2190	404	8	,	,	PUNCT
afbr-2190	404	9	technological	technological	ADJ
afbr-2190	404	10	orientation	orientation	NOUN
afbr-2190	404	11	and	and	CCONJ
afbr-2190	404	12	learning	learn	VERB
afbr-2190	404	13	capacity	capacity	NOUN
afbr-2190	404	14	on	on	ADP
afbr-2190	404	15	online	online	ADJ
afbr-2190	404	16	sme	sme	NOUN
afbr-2190	404	17	performance	performance	NOUN
afbr-2190	404	18	.	.	PUNCT
afbr-2190	405	1	innovative	innovative	ADJ
afbr-2190	405	2	marketing	marketing	NOUN
afbr-2190	405	3	,	,	PUNCT
afbr-2190	405	4	17(3	17(3	NUM
afbr-2190	405	5	)	)	PUNCT
afbr-2190	405	6	,	,	PUNCT
afbr-2190	405	7	168179	168179	NUM
afbr-2190	405	8	.	.	PUNCT
afbr-2190	406	1	https://doi.org/10.21511/im.17(3).2021.14	https://doi.org/10.21511/im.17(3).2021.14	PROPN
afbr-2190	406	2	al	al	PROPN
afbr-2190	406	3	asheq	asheq	PROPN
afbr-2190	406	4	,	,	PUNCT
afbr-2190	406	5	a.	a.	PROPN
afbr-2190	406	6	,	,	PUNCT
afbr-2190	406	7	&	&	CCONJ
afbr-2190	406	8	hossain	hossain	PROPN
afbr-2190	406	9	,	,	PUNCT
afbr-2190	406	10	m.	m.	NOUN
afbr-2190	406	11	u.	u.	PROPN
afbr-2190	406	12	(	(	PUNCT
afbr-2190	406	13	2019	2019	NUM
afbr-2190	406	14	)	)	PUNCT
afbr-2190	406	15	.	.	PUNCT
afbr-2190	407	1	sme	sme	NOUN
afbr-2190	407	2	performance	performance	NOUN
afbr-2190	407	3	:	:	PUNCT
afbr-2190	407	4	impact	impact	NOUN
afbr-2190	407	5	of	of	ADP
afbr-2190	407	6	market	market	NOUN
afbr-2190	407	7	,	,	PUNCT
afbr-2190	407	8	customer	customer	NOUN
afbr-2190	407	9	and	and	CCONJ
afbr-2190	407	10	brand	brand	NOUN
afbr-2190	407	11	orientation	orientation	NOUN
afbr-2190	407	12	.	.	PUNCT
afbr-2190	408	1	academy	academy	NOUN
afbr-2190	408	2	of	of	ADP
afbr-2190	408	3	marketing	marketing	NOUN
afbr-2190	408	4	studies	study	NOUN
afbr-2190	408	5	journal	journal	NOUN
afbr-2190	408	6	,	,	PUNCT
afbr-2190	408	7	23(1	23(1	NUM
afbr-2190	408	8	)	)	PUNCT
afbr-2190	408	9	,	,	PUNCT
afbr-2190	408	10	1	1	NUM
afbr-2190	408	11	-	-	SYM
afbr-2190	408	12	9	9	NUM
afbr-2190	408	13	.	.	PUNCT
afbr-2190	409	1	al	al	PROPN
afbr-2190	409	2	asheq	asheq	PROPN
afbr-2190	409	3	,	,	PUNCT
afbr-2190	409	4	a.	a.	NOUN
afbr-2190	409	5	,	,	PUNCT
afbr-2190	409	6	tanchi	tanchi	NOUN
afbr-2190	409	7	,	,	PUNCT
afbr-2190	409	8	k.	k.	PROPN
afbr-2190	409	9	r.	r.	PROPN
afbr-2190	409	10	,	,	PUNCT
afbr-2190	409	11	akhter	akhter	PROPN
afbr-2190	409	12	,	,	PUNCT
afbr-2190	409	13	s.	s.	PROPN
afbr-2190	409	14	,	,	PUNCT
afbr-2190	409	15	kamruzzaman	kamruzzaman	NOUN
afbr-2190	409	16	,	,	PUNCT
afbr-2190	409	17	m.	m.	NOUN
afbr-2190	409	18	,	,	PUNCT
afbr-2190	409	19	&	&	CCONJ
afbr-2190	409	20	islam	islam	PROPN
afbr-2190	409	21	,	,	PUNCT
afbr-2190	409	22	k.	k.	PROPN
afbr-2190	409	23	m.	m.	PROPN
afbr-2190	409	24	a.	a.	PROPN
afbr-2190	409	25	(	(	PUNCT
afbr-2190	409	26	2022	2022	NUM
afbr-2190	409	27	)	)	PUNCT
afbr-2190	409	28	.	.	PUNCT
afbr-2190	410	1	examining	examine	VERB
afbr-2190	410	2	university	university	NOUN
afbr-2190	410	3	students	student	NOUN
afbr-2190	410	4	’	'	PUNCT
afbr-2190	410	5	behaviors	behavior	NOUN
afbr-2190	410	6	towards	towards	ADP
afbr-2190	410	7	online	online	ADJ
afbr-2190	410	8	shopping	shopping	NOUN
afbr-2190	410	9	:	:	PUNCT
afbr-2190	410	10	an	an	DET
afbr-2190	410	11	empirical	empirical	ADJ
afbr-2190	410	12	investigation	investigation	NOUN
afbr-2190	410	13	in	in	ADP
afbr-2190	410	14	an	an	DET
afbr-2190	410	15	emerging	emerge	VERB
afbr-2190	410	16	market	market	NOUN
afbr-2190	410	17	.	.	PUNCT
afbr-2190	411	1	innovative	innovative	ADJ
afbr-2190	411	2	marketing	marketing	NOUN
afbr-2190	411	3	,	,	PUNCT
afbr-2190	411	4	18(1	18(1	NOUN
afbr-2190	411	5	)	)	PUNCT
afbr-2190	411	6	,	,	PUNCT
afbr-2190	411	7	94	94	NUM
afbr-2190	411	8	-	-	SYM
afbr-2190	411	9	103	103	NUM
afbr-2190	411	10	.	.	PUNCT
afbr-2190	412	1	https://doi.org/10.21511/im.17(3).2021.14	https://doi.org/10.21511/im.17(3).2021.14	PROPN
afbr-2190	412	2	jakaria	jakaria	PROPN
afbr-2190	412	3	,	,	PUNCT
afbr-2190	412	4	australian	australian	ADJ
afbr-2190	412	5	finance	finance	NOUN
afbr-2190	412	6	&	&	CCONJ
afbr-2190	412	7	banking	banking	PROPN
afbr-2190	412	8	review	review	NOUN
afbr-2190	412	9	7(1	7(1	NUM
afbr-2190	412	10	)	)	PUNCT
afbr-2190	412	11	(	(	PUNCT
afbr-2190	412	12	2023	2023	NUM
afbr-2190	412	13	)	)	PUNCT
afbr-2190	412	14	,	,	PUNCT
afbr-2190	412	15	9	9	NUM
afbr-2190	412	16	-	-	SYM
afbr-2190	412	17	29	29	NUM
afbr-2190	412	18	23	23	NUM
afbr-2190	412	19	akhter	akhter	NOUN
afbr-2190	412	20	,	,	PUNCT
afbr-2190	412	21	a.	a.	PROPN
afbr-2190	412	22	,	,	PUNCT
afbr-2190	412	23	karim	karim	PROPN
afbr-2190	412	24	,	,	PUNCT
afbr-2190	412	25	m.	m.	NOUN
afbr-2190	412	26	m	m	PROPN
afbr-2190	412	27	..	..	PROPN
afbr-2190	412	28	,	,	PUNCT
afbr-2190	412	29	islam	islam	PROPN
afbr-2190	412	30	,	,	PUNCT
afbr-2190	412	31	k.	k.	PROPN
afbr-2190	412	32	m.	m.	PROPN
afbr-2190	412	33	a.	a.	PROPN
afbr-2190	412	34	(	(	PUNCT
afbr-2190	412	35	2021	2021	NUM
afbr-2190	412	36	)	)	PUNCT
afbr-2190	412	37	.	.	PUNCT
afbr-2190	413	1	the	the	DET
afbr-2190	413	2	impact	impact	NOUN
afbr-2190	413	3	of	of	ADP
afbr-2190	413	4	emotional	emotional	ADJ
afbr-2190	413	5	intelligence	intelligence	NOUN
afbr-2190	413	6	,	,	PUNCT
afbr-2190	413	7	employee	employee	NOUN
afbr-2190	413	8	empowerment	empowerment	NOUN
afbr-2190	413	9	and	and	CCONJ
afbr-2190	413	10	cultural	cultural	ADJ
afbr-2190	413	11	intelligence	intelligence	NOUN
afbr-2190	413	12	on	on	ADP
afbr-2190	413	13	commercial	commercial	ADJ
afbr-2190	413	14	bank	bank	PROPN
afbr-2190	413	15	employees	employee	NOUN
afbr-2190	413	16	’	’	PART
afbr-2190	413	17	job	job	NOUN
afbr-2190	413	18	satisfaction	satisfaction	NOUN
afbr-2190	413	19	.	.	PUNCT
afbr-2190	414	1	banks	bank	NOUN
afbr-2190	414	2	and	and	CCONJ
afbr-2190	414	3	bank	bank	NOUN
afbr-2190	414	4	systems	system	NOUN
afbr-2190	414	5	,	,	PUNCT
afbr-2190	414	6	16(4	16(4	NUM
afbr-2190	414	7	)	)	PUNCT
afbr-2190	414	8	,	,	PUNCT
afbr-2190	414	9	11	11	NUM
afbr-2190	414	10	-	-	SYM
afbr-2190	414	11	21	21	NUM
afbr-2190	414	12	.	.	PUNCT
afbr-2190	415	1	http://dx.doi.org/10.21511/bbs.16(4).2021.02	http://dx.doi.org/10.21511/bbs.16(4).2021.02	PROPN
afbr-2190	415	2	akhter	akhter	PROPN
afbr-2190	415	3	,	,	PUNCT
afbr-2190	415	4	a.	a.	PROPN
afbr-2190	415	5	,	,	PUNCT
afbr-2190	415	6	islam	islam	PROPN
afbr-2190	415	7	,	,	PUNCT
afbr-2190	415	8	k.	k.	PROPN
afbr-2190	415	9	m.	m.	PROPN
afbr-2190	415	10	a.	a.	PROPN
afbr-2190	415	11	,	,	PUNCT
afbr-2190	415	12	karim	karim	PROPN
afbr-2190	415	13	,	,	PUNCT
afbr-2190	415	14	m.	m.	NOUN
afbr-2190	415	15	m.	m.	NOUN
afbr-2190	415	16	,	,	PUNCT
afbr-2190	415	17	&	&	CCONJ
afbr-2190	415	18	latif	latif	PROPN
afbr-2190	415	19	,	,	PUNCT
afbr-2190	415	20	w.	w.	PROPN
afbr-2190	415	21	b.	b.	PROPN
afbr-2190	415	22	(	(	PUNCT
afbr-2190	415	23	2022	2022	NUM
afbr-2190	415	24	)	)	PUNCT
afbr-2190	415	25	.	.	PUNCT
afbr-2190	416	1	examining	examine	VERB
afbr-2190	416	2	determinants	determinant	NOUN
afbr-2190	416	3	of	of	ADP
afbr-2190	416	4	digital	digital	ADJ
afbr-2190	416	5	entrepreneurial	entrepreneurial	ADJ
afbr-2190	416	6	intention	intention	NOUN
afbr-2190	416	7	:	:	PUNCT
afbr-2190	416	8	a	a	DET
afbr-2190	416	9	case	case	NOUN
afbr-2190	416	10	of	of	ADP
afbr-2190	416	11	graduate	graduate	ADJ
afbr-2190	416	12	students	student	NOUN
afbr-2190	416	13	.	.	PUNCT
afbr-2190	417	1	problems	problem	NOUN
afbr-2190	417	2	and	and	CCONJ
afbr-2190	417	3	perspectives	perspective	NOUN
afbr-2190	417	4	in	in	ADP
afbr-2190	417	5	management	management	NOUN
afbr-2190	417	6	,	,	PUNCT
afbr-2190	417	7	20(3	20(3	NOUN
afbr-2190	417	8	)	)	PUNCT
afbr-2190	417	9	,	,	PUNCT
afbr-2190	417	10	153	153	NUM
afbr-2190	417	11	-	-	SYM
afbr-2190	417	12	163	163	NUM
afbr-2190	417	13	.	.	PUNCT
afbr-2190	418	1	akhter	akhter	PROPN
afbr-2190	418	2	,	,	PUNCT
afbr-2190	418	3	a.	a.	PROPN
afbr-2190	418	4	,	,	PUNCT
afbr-2190	418	5	karim	karim	PROPN
afbr-2190	418	6	,	,	PUNCT
afbr-2190	418	7	m.	m.	NOUN
afbr-2190	418	8	m.	m.	NOUN
afbr-2190	418	9	,	,	PUNCT
afbr-2190	418	10	&	&	CCONJ
afbr-2190	418	11	islam	islam	PROPN
afbr-2190	418	12	,	,	PUNCT
afbr-2190	418	13	k.	k.	PROPN
afbr-2190	418	14	m.	m.	PROPN
afbr-2190	418	15	a.	a.	PROPN
afbr-2190	418	16	(	(	PUNCT
afbr-2190	418	17	2022	2022	NUM
afbr-2190	418	18	)	)	PUNCT
afbr-2190	418	19	.	.	PUNCT
afbr-2190	419	1	the	the	DET
afbr-2190	419	2	impact	impact	NOUN
afbr-2190	419	3	of	of	ADP
afbr-2190	419	4	creativity	creativity	NOUN
afbr-2190	419	5	and	and	CCONJ
afbr-2190	419	6	innovativeness	innovativeness	NOUN
afbr-2190	419	7	on	on	ADP
afbr-2190	419	8	digital	digital	ADJ
afbr-2190	419	9	entrepreneurship	entrepreneurship	NOUN
afbr-2190	419	10	:	:	PUNCT
afbr-2190	419	11	empirical	empirical	ADJ
afbr-2190	419	12	evidence	evidence	NOUN
afbr-2190	419	13	from	from	ADP
afbr-2190	419	14	bangladesh	bangladesh	PROPN
afbr-2190	419	15	.	.	PUNCT
afbr-2190	420	1	the	the	DET
afbr-2190	420	2	journal	journal	NOUN
afbr-2190	420	3	of	of	ADP
afbr-2190	420	4	asian	asian	ADJ
afbr-2190	420	5	finance	finance	NOUN
afbr-2190	420	6	,	,	PUNCT
afbr-2190	420	7	economics	economic	NOUN
afbr-2190	420	8	and	and	CCONJ
afbr-2190	420	9	business	business	NOUN
afbr-2190	420	10	,	,	PUNCT
afbr-2190	420	11	9(3	9(3	NUM
afbr-2190	420	12	)	)	PUNCT
afbr-2190	420	13	,	,	PUNCT
afbr-2190	420	14	77	77	NUM
afbr-2190	420	15	-	-	SYM
afbr-2190	420	16	82	82	NUM
afbr-2190	420	17	.	.	PUNCT
afbr-2190	421	1	akhter	akhter	PROPN
afbr-2190	421	2	,	,	PUNCT
afbr-2190	421	3	a.	a.	PROPN
afbr-2190	421	4	,	,	PUNCT
afbr-2190	421	5	karim	karim	PROPN
afbr-2190	421	6	,	,	PUNCT
afbr-2190	421	7	m.	m.	NOUN
afbr-2190	421	8	m.	m.	NOUN
afbr-2190	421	9	,	,	PUNCT
afbr-2190	421	10	jannat	jannat	PROPN
afbr-2190	421	11	,	,	PUNCT
afbr-2190	421	12	s.	s.	PROPN
afbr-2190	421	13	,	,	PUNCT
afbr-2190	421	14	&	&	CCONJ
afbr-2190	421	15	islam	islam	PROPN
afbr-2190	421	16	,	,	PUNCT
afbr-2190	421	17	k.	k.	PROPN
afbr-2190	421	18	m.	m.	PROPN
afbr-2190	421	19	a.	a.	PROPN
afbr-2190	421	20	(	(	PUNCT
afbr-2190	421	21	2022	2022	NUM
afbr-2190	421	22	)	)	PUNCT
afbr-2190	421	23	.	.	PUNCT
afbr-2190	422	1	determining	determine	VERB
afbr-2190	422	2	factors	factor	NOUN
afbr-2190	422	3	of	of	ADP
afbr-2190	422	4	intention	intention	NOUN
afbr-2190	422	5	to	to	PART
afbr-2190	422	6	adopt	adopt	VERB
afbr-2190	422	7	internet	internet	NOUN
afbr-2190	422	8	banking	banking	NOUN
afbr-2190	422	9	services	service	NOUN
afbr-2190	422	10	:	:	PUNCT
afbr-2190	422	11	a	a	DET
afbr-2190	422	12	study	study	NOUN
afbr-2190	422	13	on	on	ADP
afbr-2190	422	14	commercial	commercial	ADJ
afbr-2190	422	15	bank	bank	NOUN
afbr-2190	422	16	users	user	NOUN
afbr-2190	422	17	in	in	ADP
afbr-2190	422	18	bangladesh	bangladesh	NOUN
afbr-2190	422	19	.	.	PUNCT
afbr-2190	423	1	banks	bank	NOUN
afbr-2190	423	2	and	and	CCONJ
afbr-2190	423	3	bank	bank	NOUN
afbr-2190	423	4	systems	system	NOUN
afbr-2190	423	5	,	,	PUNCT
afbr-2190	423	6	17(1	17(1	NUM
afbr-2190	423	7	)	)	PUNCT
afbr-2190	423	8	,	,	PUNCT
afbr-2190	423	9	125	125	NUM
afbr-2190	423	10	-	-	SYM
afbr-2190	423	11	136	136	NUM
afbr-2190	423	12	.	.	PUNCT
afbr-2190	424	1	ahmed	ahmed	PROPN
afbr-2190	424	2	,	,	PUNCT
afbr-2190	424	3	s.	s.	PROPN
afbr-2190	424	4	f.	f.	PROPN
afbr-2190	424	5	,	,	PUNCT
afbr-2190	424	6	zayed	zayed	PROPN
afbr-2190	424	7	,	,	PUNCT
afbr-2190	424	8	n.	n.	NOUN
afbr-2190	424	9	m.	m.	NOUN
afbr-2190	424	10	,	,	PUNCT
afbr-2190	424	11	islam	islam	PROPN
afbr-2190	424	12	,	,	PUNCT
afbr-2190	424	13	k.	k.	PROPN
afbr-2190	424	14	m.	m.	PROPN
afbr-2190	424	15	a.	a.	PROPN
afbr-2190	424	16	,	,	PUNCT
afbr-2190	424	17	&	&	CCONJ
afbr-2190	424	18	nitsenko	nitsenko	PROPN
afbr-2190	424	19	,	,	PUNCT
afbr-2190	424	20	v.	v.	PROPN
afbr-2190	424	21	(	(	PUNCT
afbr-2190	424	22	2022	2022	NUM
afbr-2190	424	23	)	)	PUNCT
afbr-2190	424	24	.	.	PUNCT
afbr-2190	425	1	investigating	investigate	VERB
afbr-2190	425	2	the	the	DET
afbr-2190	425	3	impact	impact	NOUN
afbr-2190	425	4	of	of	ADP
afbr-2190	425	5	re	re	NOUN
afbr-2190	425	6	consumption	consumption	NOUN
afbr-2190	425	7	on	on	ADP
afbr-2190	425	8	co2	co2	NOUN
afbr-2190	425	9	emissions	emission	NOUN
afbr-2190	425	10	:	:	PUNCT
afbr-2190	425	11	evidence	evidence	NOUN
afbr-2190	425	12	from	from	ADP
afbr-2190	425	13	the	the	DET
afbr-2190	425	14	saarc	saarc	PROPN
afbr-2190	425	15	countries	country	NOUN
afbr-2190	425	16	.	.	PUNCT
afbr-2190	426	1	natsional'nyi	natsional'nyi	PRON
afbr-2190	426	2	hirnychyi	hirnychyi	PROPN
afbr-2190	426	3	universytet	universytet	NOUN
afbr-2190	426	4	.	.	PUNCT
afbr-2190	427	1	naukovyi	naukovyi	PROPN
afbr-2190	427	2	visnyk	visnyk	VERB
afbr-2190	427	3	,	,	PUNCT
afbr-2190	427	4	(	(	PUNCT
afbr-2190	427	5	3	3	NUM
afbr-2190	427	6	)	)	PUNCT
afbr-2190	427	7	,	,	PUNCT
afbr-2190	427	8	107111	107111	NUM
afbr-2190	427	9	.	.	PUNCT
afbr-2190	428	1	al	al	PROPN
afbr-2190	428	2	-	-	PUNCT
afbr-2190	428	3	quraan	quraan	PROPN
afbr-2190	428	4	,	,	PUNCT
afbr-2190	428	5	t.	t.	NOUN
afbr-2190	428	6	m.	m.	NOUN
afbr-2190	428	7	,	,	PUNCT
afbr-2190	428	8	vovk	vovk	ADJ
afbr-2190	428	9	,	,	PUNCT
afbr-2190	428	10	o.	o.	PROPN
afbr-2190	428	11	,	,	PUNCT
afbr-2190	428	12	halko	halko	ADV
afbr-2190	428	13	,	,	PUNCT
afbr-2190	428	14	s.	s.	PROPN
afbr-2190	428	15	,	,	PUNCT
afbr-2190	428	16	kvitka	kvitka	PROPN
afbr-2190	428	17	,	,	PUNCT
afbr-2190	428	18	s.	s.	PROPN
afbr-2190	428	19	,	,	PUNCT
afbr-2190	428	20	suprun	suprun	ADJ
afbr-2190	428	21	,	,	PUNCT
afbr-2190	428	22	o.	o.	INTJ
afbr-2190	428	23	,	,	PUNCT
afbr-2190	428	24	miroshnyk	miroshnyk	INTJ
afbr-2190	428	25	,	,	PUNCT
afbr-2190	428	26	o.	o.	INTJ
afbr-2190	428	27	,	,	PUNCT
afbr-2190	428	28	...	...	PUNCT
afbr-2190	428	29	&	&	CCONJ
afbr-2190	428	30	islam	islam	PROPN
afbr-2190	428	31	,	,	PUNCT
afbr-2190	428	32	k.	k.	PROPN
afbr-2190	428	33	m.	m.	PROPN
afbr-2190	428	34	a.	a.	PROPN
afbr-2190	428	35	(	(	PUNCT
afbr-2190	428	36	2022	2022	NUM
afbr-2190	428	37	)	)	PUNCT
afbr-2190	428	38	.	.	PUNCT
afbr-2190	429	1	energy	energy	NOUN
afbr-2190	429	2	-	-	PUNCT
afbr-2190	429	3	saving	save	VERB
afbr-2190	429	4	load	load	NOUN
afbr-2190	429	5	control	control	NOUN
afbr-2190	429	6	of	of	ADP
afbr-2190	429	7	induction	induction	NOUN
afbr-2190	429	8	electric	electric	PROPN
afbr-2190	429	9	motors	motor	NOUN
afbr-2190	429	10	for	for	ADP
afbr-2190	429	11	drives	drive	NOUN
afbr-2190	429	12	of	of	ADP
afbr-2190	429	13	working	work	VERB
afbr-2190	429	14	machines	machine	NOUN
afbr-2190	429	15	to	to	PART
afbr-2190	429	16	reduce	reduce	VERB
afbr-2190	429	17	thermal	thermal	ADJ
afbr-2190	429	18	wear	wear	NOUN
afbr-2190	429	19	.	.	PUNCT
afbr-2190	430	1	inventions	invention	NOUN
afbr-2190	430	2	,	,	PUNCT
afbr-2190	430	3	7(4	7(4	NUM
afbr-2190	430	4	)	)	PUNCT
afbr-2190	430	5	,	,	PUNCT
afbr-2190	430	6	92	92	NUM
afbr-2190	430	7	.	.	PUNCT
afbr-2190	431	1	alhassan	alhassan	VERB
afbr-2190	431	2	,	,	PUNCT
afbr-2190	431	3	i.	i.	PROPN
afbr-2190	431	4	,	,	PUNCT
afbr-2190	431	5	islam	islam	PROPN
afbr-2190	431	6	,	,	PUNCT
afbr-2190	431	7	k.	k.	PROPN
afbr-2190	431	8	m.	m.	PROPN
afbr-2190	431	9	a.	a.	PROPN
afbr-2190	431	10	,	,	PUNCT
afbr-2190	431	11	&	&	CCONJ
afbr-2190	431	12	haque	haque	PROPN
afbr-2190	431	13	,	,	PUNCT
afbr-2190	431	14	m.	m.	NOUN
afbr-2190	431	15	s.	s.	PROPN
afbr-2190	431	16	(	(	PUNCT
afbr-2190	431	17	2021	2021	NUM
afbr-2190	431	18	)	)	PUNCT
afbr-2190	431	19	.	.	PUNCT
afbr-2190	432	1	sustainability	sustainability	NOUN
afbr-2190	432	2	reporting	reporting	NOUN
afbr-2190	432	3	and	and	CCONJ
afbr-2190	432	4	financial	financial	ADJ
afbr-2190	432	5	performance	performance	NOUN
afbr-2190	432	6	of	of	ADP
afbr-2190	432	7	listed	list	VERB
afbr-2190	432	8	industrial	industrial	ADJ
afbr-2190	432	9	goods	good	NOUN
afbr-2190	432	10	sector	sector	NOUN
afbr-2190	432	11	in	in	ADP
afbr-2190	432	12	nigeria	nigeria	PROPN
afbr-2190	432	13	.	.	PUNCT
afbr-2190	433	1	international	international	ADJ
afbr-2190	433	2	journal	journal	PROPN
afbr-2190	433	3	of	of	ADP
afbr-2190	433	4	accounting	accounting	PROPN
afbr-2190	433	5	&	&	CCONJ
afbr-2190	433	6	finance	finance	PROPN
afbr-2190	433	7	review	review	PROPN
afbr-2190	433	8	,	,	PUNCT
afbr-2190	433	9	9(1	9(1	NUM
afbr-2190	433	10	)	)	PUNCT
afbr-2190	433	11	,	,	PUNCT
afbr-2190	433	12	46	46	NUM
afbr-2190	433	13	-	-	SYM
afbr-2190	433	14	56	56	NUM
afbr-2190	433	15	.	.	PUNCT
afbr-2190	434	1	alhassan	alhassan	VERB
afbr-2190	434	2	,	,	PUNCT
afbr-2190	434	3	i.	i.	PROPN
afbr-2190	434	4	,	,	PUNCT
afbr-2190	434	5	&	&	CCONJ
afbr-2190	434	6	islam	islam	PROPN
afbr-2190	434	7	,	,	PUNCT
afbr-2190	434	8	k.	k.	PROPN
afbr-2190	434	9	m.	m.	PROPN
afbr-2190	434	10	a.	a.	PROPN
afbr-2190	434	11	(	(	PUNCT
afbr-2190	434	12	2021a	2021a	NUM
afbr-2190	434	13	)	)	PUNCT
afbr-2190	434	14	.	.	PUNCT
afbr-2190	435	1	liquidity	liquidity	NOUN
afbr-2190	435	2	management	management	NOUN
afbr-2190	435	3	and	and	CCONJ
afbr-2190	435	4	financial	financial	ADJ
afbr-2190	435	5	performance	performance	NOUN
afbr-2190	435	6	of	of	ADP
afbr-2190	435	7	listed	list	VERB
afbr-2190	435	8	oil	oil	NOUN
afbr-2190	435	9	and	and	CCONJ
afbr-2190	435	10	gas	gas	NOUN
afbr-2190	435	11	companies	company	NOUN
afbr-2190	435	12	in	in	ADP
afbr-2190	435	13	nigeria	nigeria	PROPN
afbr-2190	435	14	.	.	PUNCT
afbr-2190	436	1	international	international	ADJ
afbr-2190	436	2	journal	journal	PROPN
afbr-2190	436	3	of	of	ADP
afbr-2190	436	4	accounting	accounting	PROPN
afbr-2190	436	5	&	&	CCONJ
afbr-2190	436	6	finance	finance	PROPN
afbr-2190	436	7	review	review	PROPN
afbr-2190	436	8	,	,	PUNCT
afbr-2190	436	9	8(1	8(1	NOUN
afbr-2190	436	10	)	)	PUNCT
afbr-2190	436	11	,	,	PUNCT
afbr-2190	436	12	15	15	NUM
afbr-2190	436	13	-	-	SYM
afbr-2190	436	14	25	25	NUM
afbr-2190	436	15	.	.	PUNCT
afbr-2190	437	1	https://doi.org/10.46281/ijafr.v8i1.1364	https://doi.org/10.46281/ijafr.v8i1.1364	PROPN
afbr-2190	437	2	alhassan	alhassan	ADJ
afbr-2190	437	3	,	,	PUNCT
afbr-2190	437	4	i.	i.	PROPN
afbr-2190	437	5	,	,	PUNCT
afbr-2190	437	6	&	&	CCONJ
afbr-2190	437	7	islam	islam	PROPN
afbr-2190	437	8	,	,	PUNCT
afbr-2190	437	9	k.	k.	PROPN
afbr-2190	437	10	m.	m.	PROPN
afbr-2190	437	11	a.	a.	PROPN
afbr-2190	437	12	(	(	PUNCT
afbr-2190	437	13	2021b	2021b	NUM
afbr-2190	437	14	)	)	PUNCT
afbr-2190	437	15	.	.	PUNCT
afbr-2190	438	1	credit	credit	NOUN
afbr-2190	438	2	management	management	NOUN
afbr-2190	438	3	strategies	strategy	NOUN
afbr-2190	438	4	and	and	CCONJ
afbr-2190	438	5	financial	financial	ADJ
afbr-2190	438	6	performance	performance	NOUN
afbr-2190	438	7	of	of	ADP
afbr-2190	438	8	industrial	industrial	ADJ
afbr-2190	438	9	goods	good	NOUN
afbr-2190	438	10	sector	sector	NOUN
afbr-2190	438	11	in	in	ADP
afbr-2190	438	12	nigeria	nigeria	PROPN
afbr-2190	438	13	.	.	PUNCT
afbr-2190	439	1	indian	indian	PROPN
afbr-2190	439	2	journal	journal	PROPN
afbr-2190	439	3	of	of	ADP
afbr-2190	439	4	finance	finance	NOUN
afbr-2190	439	5	and	and	CCONJ
afbr-2190	439	6	banking	banking	NOUN
afbr-2190	439	7	,	,	PUNCT
afbr-2190	439	8	8(1	8(1	NOUN
afbr-2190	439	9	)	)	PUNCT
afbr-2190	439	10	,	,	PUNCT
afbr-2190	439	11	59	59	NUM
afbr-2190	439	12	-	-	SYM
afbr-2190	439	13	74	74	NUM
afbr-2190	439	14	.	.	PUNCT
afbr-2190	440	1	https://doi.org/10.46281/ijfb.v8i1.1495	https://doi.org/10.46281/ijfb.v8i1.1495	ADV
afbr-2190	440	2	alhassan	alhassan	ADJ
afbr-2190	440	3	,	,	PUNCT
afbr-2190	440	4	i.	i.	PROPN
afbr-2190	440	5	,	,	PUNCT
afbr-2190	440	6	&	&	CCONJ
afbr-2190	440	7	islam	islam	PROPN
afbr-2190	440	8	,	,	PUNCT
afbr-2190	440	9	k.	k.	PROPN
afbr-2190	440	10	m.	m.	PROPN
afbr-2190	440	11	a.	a.	PROPN
afbr-2190	440	12	(	(	PUNCT
afbr-2190	440	13	2019	2019	NUM
afbr-2190	440	14	)	)	PUNCT
afbr-2190	440	15	.	.	PUNCT
afbr-2190	441	1	the	the	DET
afbr-2190	441	2	impact	impact	NOUN
afbr-2190	441	3	of	of	ADP
afbr-2190	441	4	environmental	environmental	ADJ
afbr-2190	441	5	and	and	CCONJ
afbr-2190	441	6	social	social	ADJ
afbr-2190	441	7	disclosures	disclosure	NOUN
afbr-2190	441	8	on	on	ADP
afbr-2190	441	9	the	the	DET
afbr-2190	441	10	financial	financial	ADJ
afbr-2190	441	11	performance	performance	NOUN
afbr-2190	441	12	of	of	ADP
afbr-2190	441	13	oil	oil	NOUN
afbr-2190	441	14	and	and	CCONJ
afbr-2190	441	15	gas	gas	NOUN
afbr-2190	441	16	companies	company	NOUN
afbr-2190	441	17	in	in	ADP
afbr-2190	441	18	nigeria	nigeria	PROPN
afbr-2190	441	19	.	.	PUNCT
afbr-2190	442	1	the	the	DET
afbr-2190	442	2	millennium	millennium	PROPN
afbr-2190	442	3	university	university	PROPN
afbr-2190	442	4	journal	journal	NOUN
afbr-2190	442	5	,	,	PUNCT
afbr-2190	442	6	4(1	4(1	NUM
afbr-2190	442	7	)	)	PUNCT
afbr-2190	442	8	,	,	PUNCT
afbr-2190	442	9	33	33	NUM
afbr-2190	442	10	-	-	SYM
afbr-2190	442	11	44	44	NUM
afbr-2190	442	12	.	.	PUNCT
afbr-2190	442	13	retrieved	retrieve	VERB
afbr-2190	442	14	from	from	ADP
afbr-2190	442	15	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/28	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/28	PROPN
afbr-2190	442	16	alhassan	alhassan	PROPN
afbr-2190	442	17	,	,	PUNCT
afbr-2190	442	18	i.	i.	NOUN
afbr-2190	442	19	,	,	PUNCT
afbr-2190	442	20	gololo	gololo	PROPN
afbr-2190	442	21	,	,	PUNCT
afbr-2190	442	22	i.	i.	PROPN
afbr-2190	442	23	a.	a.	PROPN
afbr-2190	442	24	,	,	PUNCT
afbr-2190	442	25	&	&	CCONJ
afbr-2190	442	26	islam	islam	PROPN
afbr-2190	442	27	,	,	PUNCT
afbr-2190	442	28	k.	k.	PROPN
afbr-2190	442	29	m.	m.	PROPN
afbr-2190	442	30	a.	a.	PROPN
afbr-2190	442	31	(	(	PUNCT
afbr-2190	442	32	2019	2019	NUM
afbr-2190	442	33	)	)	PUNCT
afbr-2190	442	34	.	.	PUNCT
afbr-2190	443	1	audit	audit	NOUN
afbr-2190	443	2	committee	committee	PROPN
afbr-2190	443	3	and	and	CCONJ
afbr-2190	443	4	earnings	earning	NOUN
afbr-2190	443	5	management	management	NOUN
afbr-2190	443	6	in	in	ADP
afbr-2190	443	7	quoted	quote	VERB
afbr-2190	443	8	manufacturing	manufacturing	NOUN
afbr-2190	443	9	firms	firm	NOUN
afbr-2190	443	10	in	in	ADP
afbr-2190	443	11	nigeria	nigeria	PROPN
afbr-2190	443	12	.	.	PUNCT
afbr-2190	444	1	the	the	DET
afbr-2190	444	2	millennium	millennium	PROPN
afbr-2190	444	3	university	university	PROPN
afbr-2190	444	4	journal	journal	NOUN
afbr-2190	444	5	,	,	PUNCT
afbr-2190	444	6	4(1	4(1	NUM
afbr-2190	444	7	)	)	PUNCT
afbr-2190	444	8	,	,	PUNCT
afbr-2190	444	9	45	45	NUM
afbr-2190	444	10	-	-	SYM
afbr-2190	444	11	55	55	NUM
afbr-2190	444	12	.	.	PUNCT
afbr-2190	444	13	retrieved	retrieve	VERB
afbr-2190	444	14	from	from	ADP
afbr-2190	444	15	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/30	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/30	PROPN
afbr-2190	444	16	ali	ali	PROPN
afbr-2190	444	17	,	,	PUNCT
afbr-2190	444	18	m.	m.	PROPN
afbr-2190	444	19	c.	c.	PROPN
afbr-2190	444	20	,	,	PUNCT
afbr-2190	444	21	islam	islam	PROPN
afbr-2190	444	22	,	,	PUNCT
afbr-2190	444	23	k.	k.	PROPN
afbr-2190	444	24	m.	m.	PROPN
afbr-2190	444	25	a.	a.	PROPN
afbr-2190	444	26	,	,	PUNCT
afbr-2190	444	27	chung	chung	PROPN
afbr-2190	444	28	,	,	PUNCT
afbr-2190	444	29	s.-j	s.-j	PROPN
afbr-2190	444	30	.	.	PROPN
afbr-2190	444	31	,	,	PUNCT
afbr-2190	444	32	zayed	zaye	VERB
afbr-2190	444	33	,	,	PUNCT
afbr-2190	444	34	n.	n.	NOUN
afbr-2190	444	35	m.	m.	NOUN
afbr-2190	444	36	,	,	PUNCT
afbr-2190	444	37	&	&	CCONJ
afbr-2190	444	38	afrin	afrin	PROPN
afbr-2190	444	39	,	,	PUNCT
afbr-2190	444	40	m.	m.	NOUN
afbr-2190	444	41	(	(	PUNCT
afbr-2190	444	42	2020	2020	NUM
afbr-2190	444	43	)	)	PUNCT
afbr-2190	444	44	.	.	PUNCT
afbr-2190	445	1	a	a	DET
afbr-2190	445	2	study	study	NOUN
afbr-2190	445	3	of	of	ADP
afbr-2190	445	4	green	green	ADJ
afbr-2190	445	5	human	human	ADJ
afbr-2190	445	6	resources	resource	NOUN
afbr-2190	445	7	management	management	NOUN
afbr-2190	445	8	(	(	PUNCT
afbr-2190	445	9	ghrm	ghrm	NOUN
afbr-2190	445	10	)	)	PUNCT
afbr-2190	445	11	and	and	CCONJ
afbr-2190	445	12	green	green	ADJ
afbr-2190	445	13	creativity	creativity	NOUN
afbr-2190	445	14	for	for	ADP
afbr-2190	445	15	human	human	ADJ
afbr-2190	445	16	resources	resource	NOUN
afbr-2190	445	17	professionals	professional	NOUN
afbr-2190	445	18	.	.	PUNCT
afbr-2190	446	1	international	international	ADJ
afbr-2190	446	2	journal	journal	PROPN
afbr-2190	446	3	of	of	ADP
afbr-2190	446	4	business	business	NOUN
afbr-2190	446	5	and	and	CCONJ
afbr-2190	446	6	management	management	NOUN
afbr-2190	446	7	future	future	NOUN
afbr-2190	446	8	,	,	PUNCT
afbr-2190	446	9	4(2	4(2	NUM
afbr-2190	446	10	)	)	PUNCT
afbr-2190	446	11	,	,	PUNCT
afbr-2190	446	12	57	57	NUM
afbr-2190	446	13	-	-	SYM
afbr-2190	446	14	67	67	NUM
afbr-2190	446	15	.	.	PUNCT
afbr-2190	447	1	https://doi.org/10.46281/ijbmf.v4i2.857	https://doi.org/10.46281/ijbmf.v4i2.857	PROPN
afbr-2190	447	2	ali	ali	PROPN
afbr-2190	447	3	,	,	PUNCT
afbr-2190	447	4	m.	m.	PROPN
afbr-2190	447	5	j.	j.	PROPN
afbr-2190	447	6	,	,	PUNCT
afbr-2190	447	7	karim	karim	PROPN
afbr-2190	447	8	,	,	PUNCT
afbr-2190	447	9	m.	m.	NOUN
afbr-2190	447	10	m.	m.	NOUN
afbr-2190	447	11	,	,	PUNCT
afbr-2190	447	12	hitoishi	hitoishi	PROPN
afbr-2190	447	13	,	,	PUNCT
afbr-2190	447	14	b.	b.	PROPN
afbr-2190	447	15	i.	i.	PROPN
afbr-2190	447	16	,	,	PUNCT
afbr-2190	447	17	wafiq	wafiq	PROPN
afbr-2190	447	18	,	,	PUNCT
afbr-2190	447	19	h.	h.	PROPN
afbr-2190	447	20	a.	a.	PROPN
afbr-2190	447	21	,	,	PUNCT
afbr-2190	447	22	&	&	CCONJ
afbr-2190	447	23	islam	islam	PROPN
afbr-2190	447	24	,	,	PUNCT
afbr-2190	447	25	k.	k.	PROPN
afbr-2190	447	26	m.	m.	PROPN
afbr-2190	447	27	a.	a.	PROPN
afbr-2190	447	28	(	(	PUNCT
afbr-2190	447	29	2022	2022	NUM
afbr-2190	447	30	)	)	PUNCT
afbr-2190	447	31	.	.	PUNCT
afbr-2190	448	1	determinants	determinant	NOUN
afbr-2190	448	2	of	of	ADP
afbr-2190	448	3	consumers	consumer	NOUN
afbr-2190	448	4	’	'	PUNCT
afbr-2190	448	5	purchase	purchase	NOUN
afbr-2190	448	6	intention	intention	NOUN
afbr-2190	448	7	to	to	PART
afbr-2190	448	8	buy	buy	VERB
afbr-2190	448	9	smartphones	smartphone	NOUN
afbr-2190	448	10	online	online	ADV
afbr-2190	448	11	.	.	PUNCT
afbr-2190	449	1	innovative	innovative	ADJ
afbr-2190	449	2	marketing	marketing	NOUN
afbr-2190	449	3	,	,	PUNCT
afbr-2190	449	4	18(2	18(2	NUM
afbr-2190	449	5	)	)	PUNCT
afbr-2190	449	6	,	,	PUNCT
afbr-2190	449	7	109	109	NUM
afbr-2190	449	8	-	-	SYM
afbr-2190	449	9	119	119	NUM
afbr-2190	449	10	.	.	PUNCT
afbr-2190	449	11	ali	ali	PROPN
afbr-2190	449	12	,	,	PUNCT
afbr-2190	449	13	m.	m.	PROPN
afbr-2190	449	14	c.	c.	PROPN
afbr-2190	449	15	,	,	PUNCT
afbr-2190	449	16	islam	islam	PROPN
afbr-2190	449	17	,	,	PUNCT
afbr-2190	449	18	k.	k.	PROPN
afbr-2190	449	19	m.	m.	PROPN
afbr-2190	449	20	a.	a.	PROPN
afbr-2190	449	21	,	,	PUNCT
afbr-2190	449	22	chung	chung	PROPN
afbr-2190	449	23	,	,	PUNCT
afbr-2190	449	24	s.-j	s.-j	PROPN
afbr-2190	449	25	.	.	PROPN
afbr-2190	449	26	,	,	PUNCT
afbr-2190	449	27	zayed	zaye	VERB
afbr-2190	449	28	,	,	PUNCT
afbr-2190	449	29	n.	n.	NOUN
afbr-2190	449	30	m.	m.	NOUN
afbr-2190	449	31	,	,	PUNCT
afbr-2190	449	32	&	&	CCONJ
afbr-2190	449	33	islam	islam	PROPN
afbr-2190	449	34	,	,	PUNCT
afbr-2190	449	35	m.	m.	PROPN
afbr-2190	449	36	r.	r.	PROPN
afbr-2190	449	37	(	(	PUNCT
afbr-2190	449	38	2021	2021	NUM
afbr-2190	449	39	)	)	PUNCT
afbr-2190	449	40	.	.	PUNCT
afbr-2190	450	1	the	the	DET
afbr-2190	450	2	correlation	correlation	NOUN
afbr-2190	450	3	between	between	ADP
afbr-2190	450	4	jobhopping	jobhoppe	VERB
afbr-2190	450	5	attitude	attitude	NOUN
afbr-2190	450	6	and	and	CCONJ
afbr-2190	450	7	turnover	turnover	NOUN
afbr-2190	450	8	behavior	behavior	NOUN
afbr-2190	450	9	:	:	PUNCT
afbr-2190	450	10	a	a	DET
afbr-2190	450	11	job	job	NOUN
afbr-2190	450	12	satisfaction	satisfaction	NOUN
afbr-2190	450	13	perspective	perspective	NOUN
afbr-2190	450	14	in	in	ADP
afbr-2190	450	15	bangladesh	bangladesh	PROPN
afbr-2190	450	16	.	.	PUNCT
afbr-2190	451	1	international	international	ADJ
afbr-2190	451	2	journal	journal	PROPN
afbr-2190	451	3	of	of	ADP
afbr-2190	451	4	business	business	NOUN
afbr-2190	451	5	and	and	CCONJ
afbr-2190	451	6	management	management	NOUN
afbr-2190	451	7	future	future	NOUN
afbr-2190	451	8	,	,	PUNCT
afbr-2190	451	9	5(1	5(1	NUM
afbr-2190	451	10	)	)	PUNCT
afbr-2190	451	11	,	,	PUNCT
afbr-2190	451	12	14	14	NUM
afbr-2190	451	13	-	-	SYM
afbr-2190	451	14	26	26	NUM
afbr-2190	451	15	.	.	PUNCT
afbr-2190	452	1	https://doi.org/10.46281/ijbmf.v5i1.1075	https://doi.org/10.46281/ijbmf.v5i1.1075	PROPN
afbr-2190	452	2	abbas	abbas	PROPN
afbr-2190	452	3	,	,	PUNCT
afbr-2190	452	4	u.	u.	PROPN
afbr-2190	452	5	,	,	PUNCT
afbr-2190	452	6	islam	islam	PROPN
afbr-2190	452	7	,	,	PUNCT
afbr-2190	452	8	k.	k.	PROPN
afbr-2190	452	9	m.	m.	PROPN
afbr-2190	452	10	a.	a.	PROPN
afbr-2190	452	11	,	,	PUNCT
afbr-2190	452	12	hussain	hussain	PROPN
afbr-2190	452	13	,	,	PUNCT
afbr-2190	452	14	s.	s.	PROPN
afbr-2190	452	15	,	,	PUNCT
afbr-2190	452	16	baqir	baqir	PROPN
afbr-2190	452	17	,	,	PUNCT
afbr-2190	452	18	m.	m.	NOUN
afbr-2190	452	19	,	,	PUNCT
afbr-2190	452	20	&	&	CCONJ
afbr-2190	452	21	muhammad	muhammad	PROPN
afbr-2190	452	22	,	,	PUNCT
afbr-2190	452	23	n.	n.	NOUN
afbr-2190	452	24	(	(	PUNCT
afbr-2190	452	25	2021	2021	NUM
afbr-2190	452	26	)	)	PUNCT
afbr-2190	452	27	.	.	PUNCT
afbr-2190	453	1	impact	impact	NOUN
afbr-2190	453	2	of	of	ADP
afbr-2190	453	3	brand	brand	NOUN
afbr-2190	453	4	image	image	NOUN
afbr-2190	453	5	on	on	ADP
afbr-2190	453	6	customer	customer	NOUN
afbr-2190	453	7	loyalty	loyalty	NOUN
afbr-2190	453	8	with	with	ADP
afbr-2190	453	9	the	the	DET
afbr-2190	453	10	mediating	mediate	VERB
afbr-2190	453	11	role	role	NOUN
afbr-2190	453	12	of	of	ADP
afbr-2190	453	13	customer	customer	NOUN
afbr-2190	453	14	satisfaction	satisfaction	NOUN
afbr-2190	453	15	and	and	CCONJ
afbr-2190	453	16	brand	brand	NOUN
afbr-2190	453	17	awareness	awareness	NOUN
afbr-2190	453	18	.	.	PUNCT
afbr-2190	454	1	international	international	ADJ
afbr-2190	454	2	journal	journal	NOUN
afbr-2190	454	3	of	of	ADP
afbr-2190	454	4	marketing	marketing	NOUN
afbr-2190	454	5	research	research	NOUN
afbr-2190	454	6	innovation	innovation	NOUN
afbr-2190	454	7	,	,	PUNCT
afbr-2190	454	8	5(1	5(1	NUM
afbr-2190	454	9	)	)	PUNCT
afbr-2190	454	10	,	,	PUNCT
afbr-2190	454	11	1	1	NUM
afbr-2190	454	12	-	-	SYM
afbr-2190	454	13	15	15	NUM
afbr-2190	454	14	.	.	PUNCT
afbr-2190	454	15	https://doi.org/10.46281/ijmri.v5i1.987	https://doi.org/10.46281/ijmri.v5i1.987	PROPN
afbr-2190	454	16	afzal	afzal	PROPN
afbr-2190	454	17	,	,	PUNCT
afbr-2190	454	18	h.	h.	PROPN
afbr-2190	454	19	f.	f.	PROPN
afbr-2190	454	20	,	,	PUNCT
afbr-2190	454	21	islam	islam	PROPN
afbr-2190	454	22	,	,	PUNCT
afbr-2190	454	23	k.	k.	PROPN
afbr-2190	454	24	m.	m.	PROPN
afbr-2190	454	25	a.	a.	PROPN
afbr-2190	454	26	,	,	PUNCT
afbr-2190	454	27	ismail	ismail	PROPN
afbr-2190	454	28	,	,	PUNCT
afbr-2190	454	29	a.	a.	PROPN
afbr-2190	454	30	,	,	PUNCT
afbr-2190	454	31	tahir	tahir	PROPN
afbr-2190	454	32	,	,	PUNCT
afbr-2190	454	33	m.	m.	NOUN
afbr-2190	454	34	y.	y.	PROPN
afbr-2190	454	35	,	,	PUNCT
afbr-2190	454	36	zohaib	zohaib	PROPN
afbr-2190	454	37	,	,	PUNCT
afbr-2190	454	38	m.	m.	NOUN
afbr-2190	454	39	,	,	PUNCT
afbr-2190	454	40	riaz	riaz	PROPN
afbr-2190	454	41	,	,	PUNCT
afbr-2190	454	42	j.	j.	PROPN
afbr-2190	454	43	,	,	PUNCT
afbr-2190	454	44	&	&	CCONJ
afbr-2190	454	45	ismail	ismail	PROPN
afbr-2190	454	46	,	,	PUNCT
afbr-2190	454	47	m.	m.	NOUN
afbr-2190	454	48	(	(	PUNCT
afbr-2190	454	49	2021	2021	NUM
afbr-2190	454	50	)	)	PUNCT
afbr-2190	454	51	.	.	PUNCT
afbr-2190	455	1	the	the	DET
afbr-2190	455	2	role	role	NOUN
afbr-2190	455	3	of	of	ADP
afbr-2190	455	4	underemployment	underemployment	NOUN
afbr-2190	455	5	in	in	ADP
afbr-2190	455	6	turnover	turnover	NOUN
afbr-2190	455	7	intention	intention	NOUN
afbr-2190	455	8	through	through	ADP
afbr-2190	455	9	job	job	NOUN
afbr-2190	455	10	deprivation	deprivation	NOUN
afbr-2190	455	11	and	and	CCONJ
afbr-2190	455	12	job	job	NOUN
afbr-2190	455	13	stress	stress	NOUN
afbr-2190	455	14	:	:	PUNCT
afbr-2190	455	15	a	a	DET
afbr-2190	455	16	multiple	multiple	ADJ
afbr-2190	455	17	mediation	mediation	NOUN
afbr-2190	455	18	mechanism	mechanism	NOUN
afbr-2190	455	19	.	.	PUNCT
afbr-2190	456	1	international	international	ADJ
afbr-2190	456	2	journal	journal	PROPN
afbr-2190	456	3	of	of	ADP
afbr-2190	456	4	business	business	NOUN
afbr-2190	456	5	and	and	CCONJ
afbr-2190	456	6	management	management	NOUN
afbr-2190	456	7	future	future	NOUN
afbr-2190	456	8	,	,	PUNCT
afbr-2190	456	9	5(1	5(1	NUM
afbr-2190	456	10	)	)	PUNCT
afbr-2190	456	11	,	,	PUNCT
afbr-2190	456	12	27	27	NUM
afbr-2190	456	13	-	-	SYM
afbr-2190	456	14	37	37	NUM
afbr-2190	456	15	.	.	PUNCT
afbr-2190	457	1	https://doi.org/10.46281/ijbmf.v5i1.1139	https://doi.org/10.46281/ijbmf.v5i1.1139	PROPN
afbr-2190	457	2	ahmed	ahmed	PROPN
afbr-2190	457	3	,	,	PUNCT
afbr-2190	457	4	s.	s.	PROPN
afbr-2190	457	5	f.	f.	PROPN
afbr-2190	457	6	,	,	PUNCT
afbr-2190	457	7	zayed	zayed	PROPN
afbr-2190	457	8	,	,	PUNCT
afbr-2190	457	9	n.	n.	NOUN
afbr-2190	457	10	m.	m.	NOUN
afbr-2190	457	11	,	,	PUNCT
afbr-2190	457	12	islam	islam	PROPN
afbr-2190	457	13	,	,	PUNCT
afbr-2190	457	14	k.	k.	PROPN
afbr-2190	457	15	m.	m.	PROPN
afbr-2190	457	16	a.	a.	PROPN
afbr-2190	457	17	,	,	PUNCT
afbr-2190	457	18	&	&	CCONJ
afbr-2190	457	19	nitsenko	nitsenko	PROPN
afbr-2190	457	20	,	,	PUNCT
afbr-2190	457	21	v.	v.	PROPN
afbr-2190	457	22	(	(	PUNCT
afbr-2190	457	23	2022	2022	NUM
afbr-2190	457	24	)	)	PUNCT
afbr-2190	457	25	.	.	PUNCT
afbr-2190	458	1	investigating	investigate	VERB
afbr-2190	458	2	the	the	DET
afbr-2190	458	3	impact	impact	NOUN
afbr-2190	458	4	of	of	ADP
afbr-2190	458	5	re	re	NOUN
afbr-2190	458	6	consumption	consumption	NOUN
afbr-2190	458	7	on	on	ADP
afbr-2190	458	8	co2	co2	NOUN
afbr-2190	458	9	emissions	emission	NOUN
afbr-2190	458	10	:	:	PUNCT
afbr-2190	458	11	evidence	evidence	NOUN
afbr-2190	458	12	from	from	ADP
afbr-2190	458	13	the	the	DET
afbr-2190	458	14	saarc	saarc	PROPN
afbr-2190	458	15	countries	country	NOUN
afbr-2190	458	16	.	.	PUNCT
afbr-2190	459	1	natsional'nyi	natsional'nyi	PRON
afbr-2190	459	2	hirnychyi	hirnychyi	PROPN
afbr-2190	459	3	universytet	universytet	NOUN
afbr-2190	459	4	.	.	PUNCT
afbr-2190	460	1	naukovyi	naukovyi	PROPN
afbr-2190	460	2	visnyk	visnyk	VERB
afbr-2190	460	3	,	,	PUNCT
afbr-2190	460	4	(	(	PUNCT
afbr-2190	460	5	3	3	NUM
afbr-2190	460	6	)	)	PUNCT
afbr-2190	460	7	,	,	PUNCT
afbr-2190	460	8	107111	107111	NUM
afbr-2190	460	9	.	.	PUNCT
afbr-2190	461	1	bhuiyan	bhuiyan	PROPN
afbr-2190	461	2	,	,	PUNCT
afbr-2190	461	3	k.	k.	PROPN
afbr-2190	461	4	h.	h.	PROPN
afbr-2190	461	5	,	,	PUNCT
afbr-2190	461	6	jahan	jahan	PROPN
afbr-2190	461	7	,	,	PUNCT
afbr-2190	461	8	i.	i.	PROPN
afbr-2190	461	9	,	,	PUNCT
afbr-2190	461	10	zayed	zaye	VERB
afbr-2190	461	11	,	,	PUNCT
afbr-2190	461	12	n.	n.	NOUN
afbr-2190	461	13	m.	m.	NOUN
afbr-2190	461	14	,	,	PUNCT
afbr-2190	461	15	islam	islam	PROPN
afbr-2190	461	16	,	,	PUNCT
afbr-2190	461	17	k.	k.	PROPN
afbr-2190	461	18	m.	m.	PROPN
afbr-2190	461	19	a.	a.	PROPN
afbr-2190	461	20	,	,	PUNCT
afbr-2190	461	21	suyaiya	suyaiya	NOUN
afbr-2190	461	22	,	,	PUNCT
afbr-2190	461	23	s.	s.	PROPN
afbr-2190	461	24	,	,	PUNCT
afbr-2190	461	25	tkachenko	tkachenko	PROPN
afbr-2190	461	26	,	,	PUNCT
afbr-2190	461	27	o.	o.	PROPN
afbr-2190	461	28	,	,	PUNCT
afbr-2190	461	29	&	&	CCONJ
afbr-2190	461	30	nitsenko	nitsenko	PROPN
afbr-2190	461	31	,	,	PUNCT
afbr-2190	461	32	v.	v.	PROPN
afbr-2190	461	33	(	(	PUNCT
afbr-2190	461	34	2022	2022	NUM
afbr-2190	461	35	)	)	PUNCT
afbr-2190	461	36	.	.	PUNCT
afbr-2190	462	1	smart	smart	ADJ
afbr-2190	462	2	tourism	tourism	NOUN
afbr-2190	462	3	ecosystem	ecosystem	NOUN
afbr-2190	462	4	:	:	PUNCT
afbr-2190	462	5	a	a	DET
afbr-2190	462	6	new	new	ADJ
afbr-2190	462	7	dimension	dimension	NOUN
afbr-2190	462	8	toward	toward	ADP
afbr-2190	462	9	sustainable	sustainable	ADJ
afbr-2190	462	10	value	value	NOUN
afbr-2190	462	11	co	co	NOUN
afbr-2190	462	12	-	-	NOUN
afbr-2190	462	13	creation	creation	NOUN
afbr-2190	462	14	.	.	PUNCT
afbr-2190	463	1	sustainability	sustainability	NOUN
afbr-2190	463	2	,	,	PUNCT
afbr-2190	463	3	14(22	14(22	NUM
afbr-2190	463	4	)	)	PUNCT
afbr-2190	463	5	,	,	PUNCT
afbr-2190	463	6	15043	15043	NUM
afbr-2190	463	7	.	.	PUNCT
afbr-2190	464	1	bhuiyan	bhuiyan	PROPN
afbr-2190	464	2	,	,	PUNCT
afbr-2190	464	3	a.	a.	PROPN
afbr-2190	464	4	b.	b.	PROPN
afbr-2190	464	5	,	,	PUNCT
afbr-2190	464	6	ali	ali	PROPN
afbr-2190	464	7	,	,	PUNCT
afbr-2190	464	8	m.	m.	PROPN
afbr-2190	464	9	j.	j.	PROPN
afbr-2190	464	10	,	,	PUNCT
afbr-2190	464	11	islam	islam	PROPN
afbr-2190	464	12	,	,	PUNCT
afbr-2190	464	13	k.	k.	PROPN
afbr-2190	464	14	m.	m.	PROPN
afbr-2190	464	15	a.	a.	PROPN
afbr-2190	464	16	,	,	PUNCT
afbr-2190	464	17	alam	alam	PROPN
afbr-2190	464	18	,	,	PUNCT
afbr-2190	464	19	m.	m.	NOUN
afbr-2190	464	20	s.	s.	PROPN
afbr-2190	464	21	,	,	PUNCT
afbr-2190	464	22	&	&	CCONJ
afbr-2190	464	23	solaiman	solaiman	NOUN
afbr-2190	464	24	,	,	PUNCT
afbr-2190	464	25	m.	m.	NOUN
afbr-2190	464	26	(	(	PUNCT
afbr-2190	464	27	2020	2020	NUM
afbr-2190	464	28	)	)	PUNCT
afbr-2190	464	29	.	.	PUNCT
afbr-2190	465	1	the	the	DET
afbr-2190	465	2	issues	issue	NOUN
afbr-2190	465	3	and	and	CCONJ
afbr-2190	465	4	challenges	challenge	NOUN
afbr-2190	465	5	of	of	ADP
afbr-2190	465	6	shariah	shariah	PROPN
afbr-2190	465	7	harmonization	harmonization	NOUN
afbr-2190	465	8	of	of	ADP
afbr-2190	465	9	the	the	DET
afbr-2190	465	10	cross	cross	NOUN
afbr-2190	465	11	border	border	NOUN
afbr-2190	465	12	transactioins	transactioin	NOUN
afbr-2190	465	13	:	:	PUNCT
afbr-2190	465	14	conceptual	conceptual	ADJ
afbr-2190	465	15	review	review	NOUN
afbr-2190	465	16	of	of	ADP
afbr-2190	465	17	islamic	islamic	ADJ
afbr-2190	465	18	banking	banking	NOUN
afbr-2190	465	19	industries	industry	NOUN
afbr-2190	465	20	.	.	PUNCT
afbr-2190	466	1	international	international	ADJ
afbr-2190	466	2	journal	journal	NOUN
afbr-2190	466	3	of	of	ADP
afbr-2190	466	4	shari’ah	shari’ah	PROPN
afbr-2190	466	5	and	and	CCONJ
afbr-2190	466	6	corporate	corporate	ADJ
afbr-2190	466	7	governance	governance	NOUN
afbr-2190	466	8	research	research	NOUN
afbr-2190	466	9	,	,	PUNCT
afbr-2190	466	10	3(2	3(2	NUM
afbr-2190	466	11	)	)	PUNCT
afbr-2190	466	12	,	,	PUNCT
afbr-2190	466	13	1	1	NUM
afbr-2190	466	14	-	-	SYM
afbr-2190	466	15	9	9	NUM
afbr-2190	466	16	.	.	PUNCT
afbr-2190	466	17	https://doi.org/10.46281/ijscgr.v3i2.838	https://doi.org/10.46281/ijscgr.v3i2.838	NOUN
afbr-2190	466	18	bhuiyan	bhuiyan	PROPN
afbr-2190	466	19	,	,	PUNCT
afbr-2190	466	20	a.	a.	PROPN
afbr-2190	466	21	b.	b.	PROPN
afbr-2190	466	22	,	,	PUNCT
afbr-2190	466	23	ismail	ismail	PROPN
afbr-2190	466	24	,	,	PUNCT
afbr-2190	466	25	a.	a.	NOUN
afbr-2190	466	26	g.	g.	PROPN
afbr-2190	466	27	,	,	PUNCT
afbr-2190	466	28	islam	islam	PROPN
afbr-2190	466	29	,	,	PUNCT
afbr-2190	466	30	k.	k.	PROPN
afbr-2190	466	31	m.	m.	PROPN
afbr-2190	466	32	a.	a.	PROPN
afbr-2190	466	33	,	,	PUNCT
afbr-2190	466	34	noor	noor	PROPN
afbr-2190	466	35	,	,	PUNCT
afbr-2190	466	36	a.	a.	PROPN
afbr-2190	466	37	h.	h.	PROPN
afbr-2190	466	38	m.	m.	PROPN
afbr-2190	466	39	,	,	PUNCT
afbr-2190	466	40	solaiman	solaiman	NOUN
afbr-2190	466	41	,	,	PUNCT
afbr-2190	466	42	m.	m.	NOUN
afbr-2190	466	43	,	,	PUNCT
afbr-2190	466	44	&	&	CCONJ
afbr-2190	466	45	rahman	rahman	PROPN
afbr-2190	466	46	,	,	PUNCT
afbr-2190	466	47	m.	m.	NOUN
afbr-2190	466	48	a.	a.	NOUN
afbr-2190	466	49	(	(	PUNCT
afbr-2190	466	50	2020	2020	NUM
afbr-2190	466	51	)	)	PUNCT
afbr-2190	466	52	.	.	PUNCT
afbr-2190	467	1	islamic	islamic	PROPN
afbr-2190	467	2	bank	bank	PROPN
afbr-2190	467	3	safety	safety	PROPN
afbr-2190	467	4	net	net	ADJ
afbr-2190	467	5	issues	issue	NOUN
afbr-2190	467	6	:	:	PUNCT
afbr-2190	467	7	the	the	DET
afbr-2190	467	8	regulatory	regulatory	ADJ
afbr-2190	467	9	challenges	challenge	NOUN
afbr-2190	467	10	for	for	ADP
afbr-2190	467	11	cross	cross	NOUN
afbr-2190	467	12	border	border	NOUN
afbr-2190	467	13	islamic	islamic	ADJ
afbr-2190	467	14	banking	banking	NOUN
afbr-2190	467	15	transactions	transaction	NOUN
afbr-2190	467	16	.	.	PUNCT
afbr-2190	468	1	international	international	ADJ
afbr-2190	468	2	journal	journal	PROPN
afbr-2190	468	3	of	of	ADP
afbr-2190	468	4	islamic	islamic	PROPN
afbr-2190	468	5	business	business	PROPN
afbr-2190	468	6	&	&	CCONJ
afbr-2190	468	7	management	management	PROPN
afbr-2190	468	8	,	,	PUNCT
afbr-2190	468	9	4(2	4(2	NUM
afbr-2190	468	10	)	)	PUNCT
afbr-2190	468	11	,	,	PUNCT
afbr-2190	468	12	20	20	NUM
afbr-2190	468	13	-	-	SYM
afbr-2190	468	14	31	31	NUM
afbr-2190	468	15	.	.	PUNCT
afbr-2190	469	1	https://doi.org/10.46281/ijibm.v4i2.840	https://doi.org/10.46281/ijibm.v4i2.840	PROPN
afbr-2190	469	2	barghouthi	barghouthi	PROPN
afbr-2190	469	3	,	,	PUNCT
afbr-2190	469	4	o.	o.	PROPN
afbr-2190	469	5	a.	a.	PROPN
afbr-2190	469	6	,	,	PUNCT
afbr-2190	469	7	&	&	CCONJ
afbr-2190	469	8	islam	islam	PROPN
afbr-2190	469	9	,	,	PUNCT
afbr-2190	469	10	k.	k.	PROPN
afbr-2190	469	11	m.	m.	PROPN
afbr-2190	469	12	a.	a.	PROPN
afbr-2190	469	13	(	(	PUNCT
afbr-2190	469	14	2020	2020	NUM
afbr-2190	469	15	)	)	PUNCT
afbr-2190	469	16	.	.	PUNCT
afbr-2190	470	1	financial	financial	ADJ
afbr-2190	470	2	stability	stability	NOUN
afbr-2190	470	3	implications	implication	NOUN
afbr-2190	470	4	of	of	ADP
afbr-2190	470	5	stress	stress	NOUN
afbr-2190	470	6	testing	testing	NOUN
afbr-2190	470	7	for	for	ADP
afbr-2190	470	8	risk	risk	NOUN
afbr-2190	470	9	taking	taking	NOUN
afbr-2190	470	10	and	and	CCONJ
afbr-2190	470	11	credit	credit	NOUN
afbr-2190	470	12	growth	growth	NOUN
afbr-2190	470	13	.	.	PUNCT
afbr-2190	471	1	american	american	PROPN
afbr-2190	471	2	finance	finance	PROPN
afbr-2190	471	3	&	&	CCONJ
afbr-2190	471	4	banking	banking	PROPN
afbr-2190	471	5	review	review	PROPN
afbr-2190	471	6	,	,	PUNCT
afbr-2190	471	7	5(2	5(2	NUM
afbr-2190	471	8	)	)	PUNCT
afbr-2190	471	9	,	,	PUNCT
afbr-2190	471	10	1	1	NUM
afbr-2190	471	11	-	-	SYM
afbr-2190	471	12	4	4	NUM
afbr-2190	471	13	.	.	NUM
afbr-2190	471	14	https://doi.org/10.46281/amfbr.v5i2.778	https://doi.org/10.46281/amfbr.v5i2.778	PROPN
afbr-2190	471	15	https://scholar.google.com/citations?view_op=view_citation&hl=en&user=qa6evbgaaaaj&sortby=pubdate&citation_for_view=qa6evbgaaaaj:48xausegjokc	https://scholar.google.com/citations?view_op=view_citation&hl=en&user=qa6evbgaaaaj&sortby=pubdate&citation_for_view=qa6evbgaaaaj:48xausegjokc	PROPN
afbr-2190	471	16	https://scholar.google.com/citations?view_op=view_citation&hl=en&user=qa6evbgaaaaj&sortby=pubdate&citation_for_view=qa6evbgaaaaj:48xausegjokc	https://scholar.google.com/citations?view_op=view_citation&hl=en&user=qa6evbgaaaaj&sortby=pubdate&citation_for_view=qa6evbgaaaaj:48xausegjokc	PROPN
afbr-2190	472	1	https://doi.org/10.46281/ijafr.v8i1.1364	https://doi.org/10.46281/ijafr.v8i1.1364	PROPN
afbr-2190	472	2	https://doi.org/10.46281/ijfb.v8i1.1495	https://doi.org/10.46281/ijfb.v8i1.1495	PROPN
afbr-2190	472	3	https://doi.org/10.46281/ijbmf.v5i1.1075	https://doi.org/10.46281/ijbmf.v5i1.1075	VERB
afbr-2190	472	4	https://doi.org/10.46281/ijbmf.v5i1.1139	https://doi.org/10.46281/ijbmf.v5i1.1139	PROPN
afbr-2190	472	5	https://doi.org/10.46281/ijibm.v4i2.840	https://doi.org/10.46281/ijibm.v4i2.840	PROPN
afbr-2190	472	6	jakaria	jakaria	PROPN
afbr-2190	472	7	,	,	PUNCT
afbr-2190	472	8	australian	australian	ADJ
afbr-2190	472	9	finance	finance	NOUN
afbr-2190	472	10	&	&	CCONJ
afbr-2190	472	11	banking	banking	PROPN
afbr-2190	472	12	review	review	NOUN
afbr-2190	472	13	7(1	7(1	NUM
afbr-2190	472	14	)	)	PUNCT
afbr-2190	472	15	(	(	PUNCT
afbr-2190	472	16	2023	2023	NUM
afbr-2190	472	17	)	)	PUNCT
afbr-2190	472	18	,	,	PUNCT
afbr-2190	472	19	9	9	NUM
afbr-2190	472	20	-	-	SYM
afbr-2190	472	21	29	29	NUM
afbr-2190	472	22	24	24	NUM
afbr-2190	472	23	barakat	barakat	PROPN
afbr-2190	472	24	,	,	PUNCT
afbr-2190	472	25	f.	f.	PROPN
afbr-2190	472	26	s.	s.	PROPN
afbr-2190	472	27	q.	q.	PROPN
afbr-2190	472	28	,	,	PUNCT
afbr-2190	472	29	perez	perez	PROPN
afbr-2190	472	30	,	,	PUNCT
afbr-2190	472	31	m.	m.	NOUN
afbr-2190	472	32	v.	v.	ADP
afbr-2190	472	33	l.	l.	PROPN
afbr-2190	472	34	,	,	PUNCT
afbr-2190	472	35	ariza	ariza	PROPN
afbr-2190	472	36	,	,	PUNCT
afbr-2190	472	37	l.	l.	PROPN
afbr-2190	472	38	r.	r.	PROPN
afbr-2190	472	39	,	,	PUNCT
afbr-2190	472	40	barghouthi	barghouthi	VERB
afbr-2190	472	41	,	,	PUNCT
afbr-2190	472	42	o.	o.	PROPN
afbr-2190	472	43	a.	a.	PROPN
afbr-2190	472	44	,	,	PUNCT
afbr-2190	472	45	&	&	CCONJ
afbr-2190	472	46	islam	islam	PROPN
afbr-2190	472	47	,	,	PUNCT
afbr-2190	472	48	k.	k.	PROPN
afbr-2190	472	49	m.	m.	PROPN
afbr-2190	472	50	a.	a.	PROPN
afbr-2190	472	51	(	(	PUNCT
afbr-2190	472	52	2020	2020	NUM
afbr-2190	472	53	)	)	PUNCT
afbr-2190	472	54	.	.	PUNCT
afbr-2190	473	1	the	the	DET
afbr-2190	473	2	impact	impact	NOUN
afbr-2190	473	3	corporate	corporate	ADJ
afbr-2190	473	4	governance	governance	NOUN
afbr-2190	473	5	on	on	ADP
afbr-2190	473	6	internet	internet	NOUN
afbr-2190	473	7	financial	financial	ADJ
afbr-2190	473	8	reporting	reporting	NOUN
afbr-2190	473	9	:	:	PUNCT
afbr-2190	473	10	empirical	empirical	ADJ
afbr-2190	473	11	evidence	evidence	NOUN
afbr-2190	473	12	from	from	ADP
afbr-2190	473	13	palestine	palestine	PROPN
afbr-2190	473	14	.	.	PUNCT
afbr-2190	474	1	international	international	ADJ
afbr-2190	474	2	journal	journal	PROPN
afbr-2190	474	3	of	of	ADP
afbr-2190	474	4	accounting	accounting	PROPN
afbr-2190	474	5	&	&	CCONJ
afbr-2190	474	6	finance	finance	PROPN
afbr-2190	474	7	review	review	PROPN
afbr-2190	474	8	,	,	PUNCT
afbr-2190	474	9	5(4	5(4	NUM
afbr-2190	474	10	)	)	PUNCT
afbr-2190	474	11	,	,	PUNCT
afbr-2190	474	12	1	1	NUM
afbr-2190	474	13	-	-	SYM
afbr-2190	474	14	22	22	NUM
afbr-2190	474	15	.	.	PUNCT
afbr-2190	474	16	https://doi.org/10.46281/ijafr.v5i4.852	https://doi.org/10.46281/ijafr.v5i4.852	PROPN
afbr-2190	474	17	baqir	baqir	PROPN
afbr-2190	474	18	,	,	PUNCT
afbr-2190	474	19	m.	m.	NOUN
afbr-2190	474	20	,	,	PUNCT
afbr-2190	474	21	hussain	hussain	PROPN
afbr-2190	474	22	,	,	PUNCT
afbr-2190	474	23	s.	s.	PROPN
afbr-2190	474	24	,	,	PUNCT
afbr-2190	474	25	islam	islam	PROPN
afbr-2190	474	26	,	,	PUNCT
afbr-2190	474	27	k.	k.	PROPN
afbr-2190	474	28	m.	m.	PROPN
afbr-2190	474	29	a.	a.	PROPN
afbr-2190	474	30	,	,	PUNCT
afbr-2190	474	31	&	&	CCONJ
afbr-2190	474	32	waseem	waseem	PROPN
afbr-2190	474	33	,	,	PUNCT
afbr-2190	474	34	r.	r.	PROPN
afbr-2190	474	35	(	(	PUNCT
afbr-2190	474	36	2020	2020	NUM
afbr-2190	474	37	)	)	PUNCT
afbr-2190	474	38	.	.	PUNCT
afbr-2190	475	1	comparison	comparison	NOUN
afbr-2190	475	2	of	of	ADP
afbr-2190	475	3	financial	financial	ADJ
afbr-2190	475	4	performance	performance	NOUN
afbr-2190	475	5	of	of	ADP
afbr-2190	475	6	private	private	ADJ
afbr-2190	475	7	commercial	commercial	ADJ
afbr-2190	475	8	banks	bank	NOUN
afbr-2190	475	9	in	in	ADP
afbr-2190	475	10	pakistan	pakistan	PROPN
afbr-2190	475	11	.	.	PUNCT
afbr-2190	476	1	american	american	PROPN
afbr-2190	476	2	finance	finance	PROPN
afbr-2190	476	3	&	&	CCONJ
afbr-2190	476	4	banking	banking	PROPN
afbr-2190	476	5	review	review	PROPN
afbr-2190	476	6	,	,	PUNCT
afbr-2190	476	7	5(2	5(2	NUM
afbr-2190	476	8	)	)	PUNCT
afbr-2190	476	9	,	,	PUNCT
afbr-2190	476	10	5	5	NUM
afbr-2190	476	11	-	-	SYM
afbr-2190	476	12	17	17	NUM
afbr-2190	476	13	.	.	PUNCT
afbr-2190	477	1	https://doi.org/10.46281/amfbr.v5i2.841	https://doi.org/10.46281/amfbr.v5i2.841	NOUN
afbr-2190	477	2	barghouthi	barghouthi	VERB
afbr-2190	477	3	,	,	PUNCT
afbr-2190	477	4	o.	o.	PROPN
afbr-2190	477	5	a.	a.	PROPN
afbr-2190	477	6	,	,	PUNCT
afbr-2190	477	7	shaheen	shaheen	PROPN
afbr-2190	477	8	,	,	PUNCT
afbr-2190	477	9	a.	a.	NOUN
afbr-2190	477	10	a.	a.	PROPN
afbr-2190	477	11	,	,	PUNCT
afbr-2190	477	12	al	al	PROPN
afbr-2190	477	13	-	-	PUNCT
afbr-2190	477	14	ghazali	ghazali	PROPN
afbr-2190	477	15	,	,	PUNCT
afbr-2190	477	16	s.	s.	PROPN
afbr-2190	477	17	,	,	PUNCT
afbr-2190	477	18	islam	islam	PROPN
afbr-2190	477	19	,	,	PUNCT
afbr-2190	477	20	k.	k.	PROPN
afbr-2190	477	21	m.	m.	PROPN
afbr-2190	477	22	a.	a.	PROPN
afbr-2190	477	23	,	,	PUNCT
afbr-2190	477	24	&	&	CCONJ
afbr-2190	477	25	barakat	barakat	PROPN
afbr-2190	477	26	,	,	PUNCT
afbr-2190	477	27	f.	f.	PROPN
afbr-2190	477	28	s.	s.	PROPN
afbr-2190	477	29	q.	q.	PROPN
afbr-2190	477	30	(	(	PUNCT
afbr-2190	477	31	2020	2020	NUM
afbr-2190	477	32	)	)	PUNCT
afbr-2190	477	33	.	.	PUNCT
afbr-2190	478	1	impediments	impediment	NOUN
afbr-2190	478	2	for	for	ADP
afbr-2190	478	3	issuing	issue	VERB
afbr-2190	478	4	sukuk	sukuk	NOUN
afbr-2190	478	5	bonds	bond	NOUN
afbr-2190	478	6	for	for	ADP
afbr-2190	478	7	improving	improve	VERB
afbr-2190	478	8	economic	economic	ADJ
afbr-2190	478	9	development	development	NOUN
afbr-2190	478	10	in	in	ADP
afbr-2190	478	11	palestine	palestine	PROPN
afbr-2190	478	12	.	.	PUNCT
afbr-2190	479	1	international	international	ADJ
afbr-2190	479	2	journal	journal	PROPN
afbr-2190	479	3	of	of	ADP
afbr-2190	479	4	sukuk	sukuk	NOUN
afbr-2190	479	5	and	and	CCONJ
afbr-2190	479	6	waqf	waqf	ADJ
afbr-2190	479	7	research	research	NOUN
afbr-2190	479	8	,	,	PUNCT
afbr-2190	479	9	1(1	1(1	NUM
afbr-2190	479	10	)	)	PUNCT
afbr-2190	479	11	,	,	PUNCT
afbr-2190	479	12	1	1	NUM
afbr-2190	479	13	-	-	SYM
afbr-2190	479	14	24	24	NUM
afbr-2190	479	15	.	.	PUNCT
afbr-2190	479	16	retrieved	retrieve	VERB
afbr-2190	479	17	from	from	ADP
afbr-2190	479	18	http://www.cribfb.com/journal/index.php/ijswr/article/view/855	http://www.cribfb.com/journal/index.php/ijswr/article/view/855	PROPN
afbr-2190	479	19	baqir	baqir	PROPN
afbr-2190	479	20	,	,	PUNCT
afbr-2190	479	21	m.	m.	NOUN
afbr-2190	479	22	,	,	PUNCT
afbr-2190	479	23	hussain	hussain	PROPN
afbr-2190	479	24	,	,	PUNCT
afbr-2190	479	25	s.	s.	PROPN
afbr-2190	479	26	,	,	PUNCT
afbr-2190	479	27	waseem	waseem	PROPN
afbr-2190	479	28	,	,	PUNCT
afbr-2190	479	29	r.	r.	PROPN
afbr-2190	479	30	,	,	PUNCT
afbr-2190	479	31	&	&	CCONJ
afbr-2190	479	32	islam	islam	PROPN
afbr-2190	479	33	,	,	PUNCT
afbr-2190	479	34	k.	k.	PROPN
afbr-2190	479	35	m.	m.	PROPN
afbr-2190	479	36	a.	a.	PROPN
afbr-2190	479	37	(	(	PUNCT
afbr-2190	479	38	2020	2020	NUM
afbr-2190	479	39	)	)	PUNCT
afbr-2190	479	40	.	.	PUNCT
afbr-2190	480	1	impact	impact	NOUN
afbr-2190	480	2	of	of	ADP
afbr-2190	480	3	reward	reward	NOUN
afbr-2190	480	4	and	and	CCONJ
afbr-2190	480	5	recognition	recognition	NOUN
afbr-2190	480	6	,	,	PUNCT
afbr-2190	480	7	supervisor	supervisor	NOUN
afbr-2190	480	8	support	support	NOUN
afbr-2190	480	9	on	on	ADP
afbr-2190	480	10	employee	employee	NOUN
afbr-2190	480	11	engagement	engagement	NOUN
afbr-2190	480	12	.	.	PUNCT
afbr-2190	481	1	american	american	PROPN
afbr-2190	481	2	international	international	PROPN
afbr-2190	481	3	journal	journal	PROPN
afbr-2190	481	4	of	of	ADP
afbr-2190	481	5	business	business	NOUN
afbr-2190	481	6	and	and	CCONJ
afbr-2190	481	7	management	management	NOUN
afbr-2190	481	8	studies	study	NOUN
afbr-2190	481	9	,	,	PUNCT
afbr-2190	481	10	2(3	2(3	NUM
afbr-2190	481	11	)	)	PUNCT
afbr-2190	481	12	,	,	PUNCT
afbr-2190	481	13	8	8	NUM
afbr-2190	481	14	-	-	SYM
afbr-2190	481	15	21	21	NUM
afbr-2190	481	16	.	.	PUNCT
afbr-2190	482	1	batool	batool	NOUN
afbr-2190	482	2	,	,	PUNCT
afbr-2190	482	3	n.	n.	PROPN
afbr-2190	482	4	,	,	PUNCT
afbr-2190	482	5	hussain	hussain	PROPN
afbr-2190	482	6	,	,	PUNCT
afbr-2190	482	7	s.	s.	PROPN
afbr-2190	482	8	,	,	PUNCT
afbr-2190	482	9	baqir	baqir	PROPN
afbr-2190	482	10	,	,	PUNCT
afbr-2190	482	11	m.	m.	NOUN
afbr-2190	482	12	,	,	PUNCT
afbr-2190	482	13	islam	islam	PROPN
afbr-2190	482	14	,	,	PUNCT
afbr-2190	482	15	k.	k.	PROPN
afbr-2190	482	16	m.	m.	PROPN
afbr-2190	482	17	a.	a.	PROPN
afbr-2190	482	18	,	,	PUNCT
afbr-2190	482	19	&	&	CCONJ
afbr-2190	482	20	hanif	hanif	PROPN
afbr-2190	482	21	,	,	PUNCT
afbr-2190	482	22	m.	m.	NOUN
afbr-2190	482	23	(	(	PUNCT
afbr-2190	482	24	2021	2021	NUM
afbr-2190	482	25	)	)	PUNCT
afbr-2190	482	26	.	.	PUNCT
afbr-2190	483	1	role	role	NOUN
afbr-2190	483	2	of	of	ADP
afbr-2190	483	3	hr	hr	NOUN
afbr-2190	483	4	technology	technology	NOUN
afbr-2190	483	5	and	and	CCONJ
afbr-2190	483	6	training	training	NOUN
afbr-2190	483	7	for	for	ADP
afbr-2190	483	8	the	the	DET
afbr-2190	483	9	development	development	NOUN
afbr-2190	483	10	of	of	ADP
afbr-2190	483	11	employees	employee	NOUN
afbr-2190	483	12	.	.	PUNCT
afbr-2190	484	1	international	international	ADJ
afbr-2190	484	2	journal	journal	PROPN
afbr-2190	484	3	of	of	ADP
afbr-2190	484	4	business	business	NOUN
afbr-2190	484	5	and	and	CCONJ
afbr-2190	484	6	management	management	NOUN
afbr-2190	484	7	future	future	NOUN
afbr-2190	484	8	,	,	PUNCT
afbr-2190	484	9	5(1	5(1	NUM
afbr-2190	484	10	)	)	PUNCT
afbr-2190	484	11	,	,	PUNCT
afbr-2190	484	12	1	1	NUM
afbr-2190	484	13	-	-	SYM
afbr-2190	484	14	13	13	NUM
afbr-2190	484	15	.	.	PUNCT
afbr-2190	485	1	https://doi.org/10.46281/ijbmf.v5i1.1051	https://doi.org/10.46281/ijbmf.v5i1.1051	PROPN
afbr-2190	485	2	bhuiyan	bhuiyan	PROPN
afbr-2190	485	3	,	,	PUNCT
afbr-2190	485	4	k.	k.	PROPN
afbr-2190	485	5	h.	h.	PROPN
afbr-2190	485	6	,	,	PUNCT
afbr-2190	485	7	jahan	jahan	PROPN
afbr-2190	485	8	,	,	PUNCT
afbr-2190	485	9	i.	i.	PROPN
afbr-2190	485	10	,	,	PUNCT
afbr-2190	485	11	zayed	zaye	VERB
afbr-2190	485	12	,	,	PUNCT
afbr-2190	485	13	n.	n.	NOUN
afbr-2190	485	14	m.	m.	NOUN
afbr-2190	485	15	,	,	PUNCT
afbr-2190	485	16	islam	islam	PROPN
afbr-2190	485	17	,	,	PUNCT
afbr-2190	485	18	k.	k.	PROPN
afbr-2190	485	19	m.	m.	PROPN
afbr-2190	485	20	a.	a.	PROPN
afbr-2190	485	21	,	,	PUNCT
afbr-2190	485	22	suyaiya	suyaiya	NOUN
afbr-2190	485	23	,	,	PUNCT
afbr-2190	485	24	s.	s.	PROPN
afbr-2190	485	25	,	,	PUNCT
afbr-2190	485	26	tkachenko	tkachenko	PROPN
afbr-2190	485	27	,	,	PUNCT
afbr-2190	485	28	o.	o.	PROPN
afbr-2190	485	29	,	,	PUNCT
afbr-2190	485	30	&	&	CCONJ
afbr-2190	485	31	nitsenko	nitsenko	PROPN
afbr-2190	485	32	,	,	PUNCT
afbr-2190	485	33	v.	v.	PROPN
afbr-2190	485	34	(	(	PUNCT
afbr-2190	485	35	2022	2022	NUM
afbr-2190	485	36	)	)	PUNCT
afbr-2190	485	37	.	.	PUNCT
afbr-2190	486	1	smart	smart	ADJ
afbr-2190	486	2	tourism	tourism	NOUN
afbr-2190	486	3	ecosystem	ecosystem	NOUN
afbr-2190	486	4	:	:	PUNCT
afbr-2190	486	5	a	a	DET
afbr-2190	486	6	new	new	ADJ
afbr-2190	486	7	dimension	dimension	NOUN
afbr-2190	486	8	toward	toward	ADP
afbr-2190	486	9	sustainable	sustainable	ADJ
afbr-2190	486	10	value	value	NOUN
afbr-2190	486	11	co	co	NOUN
afbr-2190	486	12	-	-	NOUN
afbr-2190	486	13	creation	creation	NOUN
afbr-2190	486	14	.	.	PUNCT
afbr-2190	487	1	sustainability	sustainability	NOUN
afbr-2190	487	2	,	,	PUNCT
afbr-2190	487	3	14(22	14(22	NUM
afbr-2190	487	4	)	)	PUNCT
afbr-2190	487	5	,	,	PUNCT
afbr-2190	487	6	15043	15043	NUM
afbr-2190	487	7	.	.	PUNCT
afbr-2190	488	1	chowdhury	chowdhury	PROPN
afbr-2190	488	2	,	,	PUNCT
afbr-2190	488	3	s.	s.	PROPN
afbr-2190	488	4	,	,	PUNCT
afbr-2190	488	5	hasan	hasan	PROPN
afbr-2190	488	6	,	,	PUNCT
afbr-2190	488	7	k.	k.	PROPN
afbr-2190	488	8	r.	r.	PROPN
afbr-2190	488	9	,	,	PUNCT
afbr-2190	488	10	rahman	rahman	PROPN
afbr-2190	488	11	,	,	PUNCT
afbr-2190	488	12	m.	m.	NOUN
afbr-2190	488	13	,	,	PUNCT
afbr-2190	488	14	islam	islam	PROPN
afbr-2190	488	15	,	,	PUNCT
afbr-2190	488	16	k.	k.	PROPN
afbr-2190	488	17	m.	m.	PROPN
afbr-2190	488	18	a.	a.	PROPN
afbr-2190	488	19	,	,	PUNCT
afbr-2190	488	20	&	&	CCONJ
afbr-2190	488	21	mohammad	mohammad	PROPN
afbr-2190	488	22	,	,	PUNCT
afbr-2190	488	23	n.	n.	PROPN
afbr-2190	488	24	(	(	PUNCT
afbr-2190	488	25	2020	2020	NUM
afbr-2190	488	26	)	)	PUNCT
afbr-2190	488	27	.	.	PUNCT
afbr-2190	489	1	causal	causal	ADJ
afbr-2190	489	2	relationship	relationship	NOUN
afbr-2190	489	3	among	among	ADP
afbr-2190	489	4	carbon	carbon	NOUN
afbr-2190	489	5	dioxide	dioxide	NOUN
afbr-2190	489	6	(	(	PUNCT
afbr-2190	489	7	co2	co2	NOUN
afbr-2190	489	8	)	)	PUNCT
afbr-2190	489	9	emissions	emission	NOUN
afbr-2190	489	10	,	,	PUNCT
afbr-2190	489	11	renewable	renewable	ADJ
afbr-2190	489	12	energy	energy	NOUN
afbr-2190	489	13	,	,	PUNCT
afbr-2190	489	14	population	population	NOUN
afbr-2190	489	15	and	and	CCONJ
afbr-2190	489	16	economic	economic	ADJ
afbr-2190	489	17	growth	growth	NOUN
afbr-2190	489	18	in	in	ADP
afbr-2190	489	19	bangladesh	bangladesh	NOUN
afbr-2190	489	20	:	:	PUNCT
afbr-2190	489	21	an	an	DET
afbr-2190	489	22	empirical	empirical	ADJ
afbr-2190	489	23	study	study	NOUN
afbr-2190	489	24	.	.	PUNCT
afbr-2190	490	1	research	research	NOUN
afbr-2190	490	2	in	in	ADP
afbr-2190	490	3	world	world	NOUN
afbr-2190	490	4	economy	economy	NOUN
afbr-2190	490	5	,	,	PUNCT
afbr-2190	490	6	11(6	11(6	NUM
afbr-2190	490	7	)	)	PUNCT
afbr-2190	490	8	,	,	PUNCT
afbr-2190	490	9	196	196	NUM
afbr-2190	490	10	-	-	SYM
afbr-2190	490	11	206	206	NUM
afbr-2190	490	12	.	.	PUNCT
afbr-2190	491	1	https://doi.org/10.5430/rwe.v11n6p196	https://doi.org/10.5430/rwe.v11n6p196	PROPN
afbr-2190	491	2	chowdhury	chowdhury	PROPN
afbr-2190	491	3	,	,	PUNCT
afbr-2190	491	4	s.	s.	PROPN
afbr-2190	491	5	,	,	PUNCT
afbr-2190	491	6	islam	islam	PROPN
afbr-2190	491	7	,	,	PUNCT
afbr-2190	491	8	k.	k.	PROPN
afbr-2190	491	9	m.	m.	PROPN
afbr-2190	491	10	a.	a.	PROPN
afbr-2190	491	11	,	,	PUNCT
afbr-2190	491	12	rahman	rahman	PROPN
afbr-2190	491	13	,	,	PUNCT
afbr-2190	491	14	m.	m.	NOUN
afbr-2190	491	15	m.	m.	NOUN
afbr-2190	491	16	,	,	PUNCT
afbr-2190	491	17	raisa	raisa	PROPN
afbr-2190	491	18	,	,	PUNCT
afbr-2190	491	19	t.	t.	PROPN
afbr-2190	491	20	s.	s.	PROPN
afbr-2190	491	21	,	,	PUNCT
afbr-2190	491	22	&	&	CCONJ
afbr-2190	491	23	zayed	zayed	ADJ
afbr-2190	491	24	,	,	PUNCT
afbr-2190	491	25	n.	n.	NOUN
afbr-2190	491	26	m.	m.	NOUN
afbr-2190	491	27	(	(	PUNCT
afbr-2190	491	28	2020	2020	NUM
afbr-2190	491	29	)	)	PUNCT
afbr-2190	491	30	.	.	PUNCT
afbr-2190	492	1	one	one	NUM
afbr-2190	492	2	day	day	NOUN
afbr-2190	492	3	international	international	ADJ
afbr-2190	492	4	(	(	PUNCT
afbr-2190	492	5	odi	odi	NOUN
afbr-2190	492	6	)	)	PUNCT
afbr-2190	492	7	cricket	cricket	NOUN
afbr-2190	492	8	match	match	NOUN
afbr-2190	492	9	prediction	prediction	NOUN
afbr-2190	492	10	in	in	ADP
afbr-2190	492	11	logistic	logistic	ADJ
afbr-2190	492	12	analysis	analysis	NOUN
afbr-2190	492	13	:	:	PUNCT
afbr-2190	492	14	india	india	PROPN
afbr-2190	492	15	vs.	vs.	ADP
afbr-2190	492	16	pakistan	pakistan	PROPN
afbr-2190	492	17	.	.	PUNCT
afbr-2190	493	1	journal	journal	PROPN
afbr-2190	493	2	of	of	ADP
afbr-2190	493	3	human	human	ADJ
afbr-2190	493	4	movement	movement	NOUN
afbr-2190	493	5	and	and	CCONJ
afbr-2190	493	6	sports	sport	NOUN
afbr-2190	493	7	sciences	science	NOUN
afbr-2190	493	8	,	,	PUNCT
afbr-2190	493	9	8(6	8(6	NUM
afbr-2190	493	10	)	)	PUNCT
afbr-2190	493	11	,	,	PUNCT
afbr-2190	493	12	543	543	NUM
afbr-2190	493	13	-	-	SYM
afbr-2190	493	14	548	548	NUM
afbr-2190	493	15	.	.	PUNCT
afbr-2190	494	1	https://doi.org/10.13189/saj.2020.080629	https://doi.org/10.13189/saj.2020.080629	NOUN
afbr-2190	494	2	chowdhury	chowdhury	PROPN
afbr-2190	494	3	,	,	PUNCT
afbr-2190	494	4	m.	m.	NOUN
afbr-2190	494	5	s.	s.	PROPN
afbr-2190	494	6	a.	a.	PROPN
afbr-2190	494	7	,	,	PUNCT
afbr-2190	494	8	arafat	arafat	PROPN
afbr-2190	494	9	,	,	PUNCT
afbr-2190	494	10	a.	a.	NOUN
afbr-2190	494	11	y.	y.	PROPN
afbr-2190	494	12	,	,	PUNCT
afbr-2190	494	13	islam	islam	PROPN
afbr-2190	494	14	,	,	PUNCT
afbr-2190	494	15	s.	s.	PROPN
afbr-2190	494	16	,	,	PUNCT
afbr-2190	494	17	akter	akter	PROPN
afbr-2190	494	18	,	,	PUNCT
afbr-2190	494	19	s.	s.	PROPN
afbr-2190	494	20	,	,	PUNCT
afbr-2190	494	21	&	&	CCONJ
afbr-2190	494	22	islam	islam	PROPN
afbr-2190	494	23	,	,	PUNCT
afbr-2190	494	24	k.	k.	PROPN
afbr-2190	494	25	m.	m.	PROPN
afbr-2190	494	26	a.	a.	PROPN
afbr-2190	494	27	(	(	PUNCT
afbr-2190	494	28	2020	2020	NUM
afbr-2190	494	29	)	)	PUNCT
afbr-2190	494	30	.	.	PUNCT
afbr-2190	495	1	impact	impact	NOUN
afbr-2190	495	2	of	of	ADP
afbr-2190	495	3	rural	rural	ADJ
afbr-2190	495	4	development	development	NOUN
afbr-2190	495	5	scheme	scheme	NOUN
afbr-2190	495	6	of	of	ADP
afbr-2190	495	7	islami	islami	PROPN
afbr-2190	495	8	bank	bank	PROPN
afbr-2190	495	9	bangladesh	bangladesh	PROPN
afbr-2190	495	10	limited	limit	VERB
afbr-2190	495	11	(	(	PUNCT
afbr-2190	495	12	ibbl	ibbl	PROPN
afbr-2190	495	13	)	)	PUNCT
afbr-2190	495	14	upon	upon	SCONJ
afbr-2190	495	15	economic	economic	ADJ
afbr-2190	495	16	development	development	NOUN
afbr-2190	495	17	of	of	ADP
afbr-2190	495	18	the	the	DET
afbr-2190	495	19	rural	rural	ADJ
afbr-2190	495	20	poor	poor	ADJ
afbr-2190	495	21	of	of	ADP
afbr-2190	495	22	bangladesh	bangladesh	NOUN
afbr-2190	495	23	.	.	PUNCT
afbr-2190	496	1	the	the	DET
afbr-2190	496	2	millennium	millennium	PROPN
afbr-2190	496	3	university	university	PROPN
afbr-2190	496	4	journal	journal	NOUN
afbr-2190	496	5	,	,	PUNCT
afbr-2190	496	6	5(1	5(1	NUM
afbr-2190	496	7	)	)	PUNCT
afbr-2190	496	8	,	,	PUNCT
afbr-2190	496	9	1	1	NUM
afbr-2190	496	10	-	-	SYM
afbr-2190	496	11	14	14	NUM
afbr-2190	496	12	.	.	PUNCT
afbr-2190	496	13	retrieved	retrieve	VERB
afbr-2190	496	14	from	from	ADP
afbr-2190	496	15	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/31	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/31	PROPN
afbr-2190	496	16	chowdhury	chowdhury	PROPN
afbr-2190	496	17	,	,	PUNCT
afbr-2190	496	18	f.	f.	PROPN
afbr-2190	496	19	n.	n.	PROPN
afbr-2190	496	20	,	,	PUNCT
afbr-2190	496	21	mustafa	mustafa	PROPN
afbr-2190	496	22	,	,	PUNCT
afbr-2190	496	23	j.	j.	PROPN
afbr-2190	496	24	,	,	PUNCT
afbr-2190	496	25	islam	islam	PROPN
afbr-2190	496	26	,	,	PUNCT
afbr-2190	496	27	k.	k.	PROPN
afbr-2190	496	28	m.	m.	PROPN
afbr-2190	496	29	a.	a.	PROPN
afbr-2190	496	30	,	,	PUNCT
afbr-2190	496	31	hasan	hasan	PROPN
afbr-2190	496	32	,	,	PUNCT
afbr-2190	496	33	k.	k.	PROPN
afbr-2190	496	34	b.	b.	PROPN
afbr-2190	496	35	m.	m.	PROPN
afbr-2190	496	36	r.	r.	PROPN
afbr-2190	496	37	,	,	PUNCT
afbr-2190	496	38	zayed	zaye	VERB
afbr-2190	496	39	,	,	PUNCT
afbr-2190	496	40	n.	n.	NOUN
afbr-2190	496	41	m.	m.	NOUN
afbr-2190	496	42	,	,	PUNCT
afbr-2190	496	43	&	&	CCONJ
afbr-2190	496	44	raisa	raisa	PROPN
afbr-2190	496	45	,	,	PUNCT
afbr-2190	496	46	t.	t.	PROPN
afbr-2190	496	47	s.	s.	PROPN
afbr-2190	496	48	(	(	PUNCT
afbr-2190	496	49	2021	2021	NUM
afbr-2190	496	50	)	)	PUNCT
afbr-2190	496	51	.	.	PUNCT
afbr-2190	497	1	social	social	ADJ
afbr-2190	497	2	business	business	NOUN
afbr-2190	497	3	in	in	ADP
afbr-2190	497	4	an	an	DET
afbr-2190	497	5	emerging	emerge	VERB
afbr-2190	497	6	economy	economy	NOUN
afbr-2190	497	7	:	:	PUNCT
afbr-2190	497	8	an	an	DET
afbr-2190	497	9	empirical	empirical	ADJ
afbr-2190	497	10	study	study	NOUN
afbr-2190	497	11	in	in	ADP
afbr-2190	497	12	bangladesh	bangladesh	NOUN
afbr-2190	497	13	.	.	PUNCT
afbr-2190	498	1	the	the	DET
afbr-2190	498	2	journal	journal	NOUN
afbr-2190	498	3	of	of	ADP
afbr-2190	498	4	asian	asian	ADJ
afbr-2190	498	5	finance	finance	NOUN
afbr-2190	498	6	,	,	PUNCT
afbr-2190	498	7	economics	economic	NOUN
afbr-2190	498	8	and	and	CCONJ
afbr-2190	498	9	business	business	NOUN
afbr-2190	498	10	,	,	PUNCT
afbr-2190	498	11	8(3	8(3	NUM
afbr-2190	498	12	)	)	PUNCT
afbr-2190	498	13	,	,	PUNCT
afbr-2190	498	14	931–941	931–941	NUM
afbr-2190	498	15	.	.	PUNCT
afbr-2190	499	1	https://doi.org/10.13106/jafeb.2021.vol8.no3.0931	https://doi.org/10.13106/jafeb.2021.vol8.no3.0931	PROPN
afbr-2190	499	2	chowdhury	chowdhury	NOUN
afbr-2190	499	3	,	,	PUNCT
afbr-2190	499	4	s.	s.	PROPN
afbr-2190	499	5	,	,	PUNCT
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afbr-2190	499	9	,	,	PUNCT
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afbr-2190	499	21	&	&	CCONJ
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afbr-2190	499	25	m.	m.	NOUN
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afbr-2190	500	2	(	(	PUNCT
afbr-2190	500	3	2021	2021	NUM
afbr-2190	500	4	)	)	PUNCT
afbr-2190	500	5	.	.	PUNCT
afbr-2190	501	1	an	an	DET
afbr-2190	501	2	empirical	empirical	ADJ
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afbr-2190	501	8	organic	organic	ADJ
afbr-2190	501	9	food	food	NOUN
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afbr-2190	501	11	behavior	behavior	NOUN
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afbr-2190	501	13	bangladesh	bangladesh	NOUN
afbr-2190	501	14	:	:	PUNCT
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afbr-2190	501	16	a	a	DET
afbr-2190	501	17	few	few	ADJ
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afbr-2190	501	19	.	.	PUNCT
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afbr-2190	502	7	20(4	20(4	NOUN
afbr-2190	502	8	)	)	PUNCT
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afbr-2190	502	10	1	1	NUM
afbr-2190	502	11	-	-	SYM
afbr-2190	502	12	12	12	NUM
afbr-2190	502	13	.	.	PUNCT
afbr-2190	503	1	retrieved	retrieve	VERB
afbr-2190	503	2	from	from	ADP
afbr-2190	503	3	https://www.abacademies.org/articles/an-empirical-study-on-the-factors-affecting-organic-foodpurchasing-behavior-in-bangladesh-analyzing-a-few-factors-1939-6104-20-4-815.pdf	https://www.abacademies.org/articles/an-empirical-study-on-the-factors-affecting-organic-foodpurchasing-behavior-in-bangladesh-analyzing-a-few-factors-1939-6104-20-4-815.pdf	NOUN
afbr-2190	503	4	chowdhury	chowdhury	PROPN
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afbr-2190	503	6	s.	s.	PROPN
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afbr-2190	503	8	meero	meero	NOUN
afbr-2190	503	9	,	,	PUNCT
afbr-2190	503	10	a.	a.	NOUN
afbr-2190	503	11	,	,	PUNCT
afbr-2190	503	12	rahman	rahman	PROPN
afbr-2190	503	13	,	,	PUNCT
afbr-2190	503	14	a.	a.	PROPN
afbr-2190	503	15	a.	a.	PROPN
afbr-2190	503	16	a.	a.	PROPN
afbr-2190	503	17	,	,	PUNCT
afbr-2190	503	18	islam	islam	PROPN
afbr-2190	503	19	,	,	PUNCT
afbr-2190	503	20	k.	k.	PROPN
afbr-2190	503	21	m.	m.	PROPN
afbr-2190	503	22	a.	a.	PROPN
afbr-2190	503	23	,	,	PUNCT
afbr-2190	503	24	zayed	zaye	VERB
afbr-2190	503	25	,	,	PUNCT
afbr-2190	503	26	n.	n.	NOUN
afbr-2190	503	27	m.	m.	NOUN
afbr-2190	503	28	,	,	PUNCT
afbr-2190	503	29	&	&	CCONJ
afbr-2190	503	30	hasan	hasan	PROPN
afbr-2190	503	31	,	,	PUNCT
afbr-2190	503	32	k.	k.	PROPN
afbr-2190	503	33	r.	r.	PROPN
afbr-2190	503	34	(	(	PUNCT
afbr-2190	503	35	2021	2021	NUM
afbr-2190	503	36	)	)	PUNCT
afbr-2190	503	37	.	.	PUNCT
afbr-2190	504	1	an	an	DET
afbr-2190	504	2	empirical	empirical	ADJ
afbr-2190	504	3	study	study	NOUN
afbr-2190	504	4	on	on	ADP
afbr-2190	504	5	the	the	DET
afbr-2190	504	6	factors	factor	NOUN
afbr-2190	504	7	affecting	affect	VERB
afbr-2190	504	8	organic	organic	ADJ
afbr-2190	504	9	food	food	NOUN
afbr-2190	504	10	purchasing	purchasing	NOUN
afbr-2190	504	11	behavior	behavior	NOUN
afbr-2190	504	12	in	in	ADP
afbr-2190	504	13	bangladesh	bangladesh	NOUN
afbr-2190	504	14	:	:	PUNCT
afbr-2190	504	15	analyzing	analyze	VERB
afbr-2190	504	16	a	a	DET
afbr-2190	504	17	few	few	ADJ
afbr-2190	504	18	factors	factor	NOUN
afbr-2190	504	19	.	.	PUNCT
afbr-2190	505	1	academy	academy	NOUN
afbr-2190	505	2	of	of	ADP
afbr-2190	505	3	strategic	strategic	ADJ
afbr-2190	505	4	management	management	NOUN
afbr-2190	505	5	journal	journal	NOUN
afbr-2190	505	6	,	,	PUNCT
afbr-2190	505	7	20(4	20(4	NOUN
afbr-2190	505	8	)	)	PUNCT
afbr-2190	505	9	,	,	PUNCT
afbr-2190	505	10	1	1	NUM
afbr-2190	505	11	-	-	SYM
afbr-2190	505	12	12	12	NUM
afbr-2190	505	13	.	.	PUNCT
afbr-2190	506	1	dahiru	dahiru	PROPN
afbr-2190	506	2	,	,	PUNCT
afbr-2190	506	3	a.	a.	PROPN
afbr-2190	506	4	s.	s.	PROPN
afbr-2190	506	5	,	,	PUNCT
afbr-2190	506	6	islam	islam	PROPN
afbr-2190	506	7	,	,	PUNCT
afbr-2190	506	8	k.	k.	PROPN
afbr-2190	506	9	a.	a.	PROPN
afbr-2190	506	10	,	,	PUNCT
afbr-2190	506	11	almustapha	almustapha	PROPN
afbr-2190	506	12	,	,	PUNCT
afbr-2190	506	13	j.	j.	PROPN
afbr-2190	506	14	,	,	PUNCT
afbr-2190	506	15	&	&	CCONJ
afbr-2190	506	16	aji	aji	PROPN
afbr-2190	506	17	,	,	PUNCT
afbr-2190	506	18	a.	a.	NOUN
afbr-2190	506	19	a.	a.	NOUN
afbr-2190	506	20	(	(	PUNCT
afbr-2190	506	21	2021	2021	NUM
afbr-2190	506	22	)	)	PUNCT
afbr-2190	506	23	.	.	PUNCT
afbr-2190	507	1	teachers	teacher	NOUN
afbr-2190	507	2	’	’	PART
afbr-2190	507	3	perception	perception	NOUN
afbr-2190	507	4	on	on	ADP
afbr-2190	507	5	the	the	DET
afbr-2190	507	6	level	level	NOUN
afbr-2190	507	7	of	of	ADP
afbr-2190	507	8	availability	availability	NOUN
afbr-2190	507	9	of	of	ADP
afbr-2190	507	10	instructional	instructional	ADJ
afbr-2190	507	11	materials	material	NOUN
afbr-2190	507	12	in	in	ADP
afbr-2190	507	13	public	public	ADJ
afbr-2190	507	14	secondary	secondary	ADJ
afbr-2190	507	15	schools	school	NOUN
afbr-2190	507	16	of	of	ADP
afbr-2190	507	17	zamfara	zamfara	PROPN
afbr-2190	507	18	state	state	PROPN
afbr-2190	507	19	,	,	PUNCT
afbr-2190	507	20	nigeria	nigeria	PROPN
afbr-2190	507	21	.	.	PUNCT
afbr-2190	508	1	the	the	DET
afbr-2190	508	2	millennium	millennium	PROPN
afbr-2190	508	3	university	university	PROPN
afbr-2190	508	4	journal	journal	NOUN
afbr-2190	508	5	,	,	PUNCT
afbr-2190	508	6	6(1	6(1	NUM
afbr-2190	508	7	)	)	PUNCT
afbr-2190	508	8	,	,	PUNCT
afbr-2190	508	9	11	11	NUM
afbr-2190	508	10	-	-	SYM
afbr-2190	508	11	17	17	NUM
afbr-2190	508	12	.	.	PUNCT
afbr-2190	509	1	dahiru	dahiru	PROPN
afbr-2190	509	2	,	,	PUNCT
afbr-2190	509	3	a.	a.	PROPN
afbr-2190	509	4	s.	s.	PROPN
afbr-2190	509	5	,	,	PUNCT
afbr-2190	509	6	islam	islam	PROPN
afbr-2190	509	7	,	,	PUNCT
afbr-2190	509	8	k.	k.	PROPN
afbr-2190	509	9	a.	a.	PROPN
afbr-2190	509	10	,	,	PUNCT
afbr-2190	509	11	&	&	CCONJ
afbr-2190	509	12	almustapha	almustapha	PROPN
afbr-2190	509	13	,	,	PUNCT
afbr-2190	509	14	j.	j.	PROPN
afbr-2190	509	15	(	(	PUNCT
afbr-2190	509	16	2022	2022	NUM
afbr-2190	509	17	)	)	PUNCT
afbr-2190	509	18	.	.	PUNCT
afbr-2190	510	1	instructional	instructional	ADJ
afbr-2190	510	2	leadership	leadership	NOUN
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afbr-2190	510	4	teachers’empowerment	teachers’empowerment	NOUN
afbr-2190	510	5	levels	level	NOUN
afbr-2190	510	6	in	in	ADP
afbr-2190	510	7	zamfara	zamfara	PROPN
afbr-2190	510	8	state	state	PROPN
afbr-2190	510	9	.	.	PUNCT
afbr-2190	511	1	the	the	DET
afbr-2190	511	2	millennium	millennium	PROPN
afbr-2190	511	3	university	university	PROPN
afbr-2190	511	4	journal	journal	NOUN
afbr-2190	511	5	,	,	PUNCT
afbr-2190	511	6	7(1	7(1	NUM
afbr-2190	511	7	)	)	PUNCT
afbr-2190	511	8	,	,	PUNCT
afbr-2190	511	9	17	17	NUM
afbr-2190	511	10	.	.	PUNCT
afbr-2190	511	11	edeh	edeh	PROPN
afbr-2190	511	12	,	,	PUNCT
afbr-2190	511	13	f.	f.	PROPN
afbr-2190	511	14	o.	o.	PROPN
afbr-2190	511	15	,	,	PUNCT
afbr-2190	511	16	zayed	zaye	VERB
afbr-2190	511	17	,	,	PUNCT
afbr-2190	511	18	n.	n.	NOUN
afbr-2190	511	19	m.	m.	NOUN
afbr-2190	511	20	,	,	PUNCT
afbr-2190	511	21	darwish	darwish	PROPN
afbr-2190	511	22	,	,	PUNCT
afbr-2190	511	23	s.	s.	PROPN
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afbr-2190	511	25	nitsenko	nitsenko	PROPN
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afbr-2190	511	28	,	,	PUNCT
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afbr-2190	511	31	i.	i.	PROPN
afbr-2190	511	32	,	,	PUNCT
afbr-2190	511	33	&	&	CCONJ
afbr-2190	511	34	islam	islam	PROPN
afbr-2190	511	35	,	,	PUNCT
afbr-2190	511	36	k.	k.	PROPN
afbr-2190	511	37	a.	a.	PROPN
afbr-2190	511	38	(	(	PUNCT
afbr-2190	511	39	2023	2023	NUM
afbr-2190	511	40	)	)	PUNCT
afbr-2190	511	41	.	.	PUNCT
afbr-2190	512	1	impression	impression	NOUN
afbr-2190	512	2	management	management	NOUN
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afbr-2190	512	4	employee	employee	NOUN
afbr-2190	512	5	contextual	contextual	ADJ
afbr-2190	512	6	performance	performance	NOUN
afbr-2190	512	7	in	in	ADP
afbr-2190	512	8	service	service	NOUN
afbr-2190	512	9	organizations	organization	NOUN
afbr-2190	512	10	(	(	PUNCT
afbr-2190	512	11	enterprises	enterprise	NOUN
afbr-2190	512	12	)	)	PUNCT
afbr-2190	512	13	.	.	PUNCT
afbr-2190	513	1	emerging	emerge	VERB
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afbr-2190	513	4	,	,	PUNCT
afbr-2190	513	5	7(2	7(2	NUM
afbr-2190	513	6	)	)	PUNCT
afbr-2190	513	7	,	,	PUNCT
afbr-2190	513	8	366384	366384	NUM
afbr-2190	513	9	.	.	PUNCT
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afbr-2190	514	8	,	,	PUNCT
afbr-2190	514	9	meero	meero	NOUN
afbr-2190	514	10	,	,	PUNCT
afbr-2190	514	11	a.	a.	NOUN
afbr-2190	514	12	,	,	PUNCT
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afbr-2190	514	14	,	,	PUNCT
afbr-2190	514	15	a.	a.	PROPN
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afbr-2190	514	20	,	,	PUNCT
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afbr-2190	514	22	m.	m.	NOUN
afbr-2190	514	23	,	,	PUNCT
afbr-2190	514	24	islam	islam	PROPN
afbr-2190	514	25	,	,	PUNCT
afbr-2190	514	26	k.	k.	PROPN
afbr-2190	514	27	m.	m.	PROPN
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afbr-2190	514	30	&	&	CCONJ
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afbr-2190	514	35	(	(	PUNCT
afbr-2190	514	36	2022	2022	NUM
afbr-2190	514	37	)	)	PUNCT
afbr-2190	514	38	.	.	PUNCT
afbr-2190	515	1	social	social	ADJ
afbr-2190	515	2	media	medium	NOUN
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afbr-2190	515	4	tourists	tourist	NOUN
afbr-2190	515	5	'	'	PART
afbr-2190	515	6	decision	decision	NOUN
afbr-2190	515	7	in	in	ADP
afbr-2190	515	8	bangladesh	bangladesh	NOUN
afbr-2190	515	9	:	:	PUNCT
afbr-2190	515	10	an	an	DET
afbr-2190	515	11	empirical	empirical	ADJ
afbr-2190	515	12	study	study	NOUN
afbr-2190	515	13	on	on	ADP
afbr-2190	515	14	travelling	travel	VERB
afbr-2190	515	15	cox	cox	PROPN
afbr-2190	515	16	's	's	PART
afbr-2190	515	17	bazar	bazar	PROPN
afbr-2190	515	18	.	.	PUNCT
afbr-2190	515	19	journal	journal	PROPN
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afbr-2190	515	21	environmental	environmental	PROPN
afbr-2190	515	22	management	management	PROPN
afbr-2190	515	23	&	&	CCONJ
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afbr-2190	515	25	,	,	PUNCT
afbr-2190	515	26	13(4	13(4	NUM
afbr-2190	515	27	)	)	PUNCT
afbr-2190	515	28	,	,	PUNCT
afbr-2190	515	29	925	925	NUM
afbr-2190	515	30	-	-	SYM
afbr-2190	515	31	934	934	NUM
afbr-2190	515	32	.	.	PUNCT
afbr-2190	516	1	hossain	hossain	PROPN
afbr-2190	516	2	,	,	PUNCT
afbr-2190	516	3	s.	s.	PROPN
afbr-2190	516	4	a.	a.	PROPN
afbr-2190	516	5	,	,	PUNCT
afbr-2190	516	6	&	&	CCONJ
afbr-2190	516	7	islam	islam	PROPN
afbr-2190	516	8	,	,	PUNCT
afbr-2190	516	9	k.	k.	PROPN
afbr-2190	516	10	m.	m.	PROPN
afbr-2190	516	11	a.	a.	PROPN
afbr-2190	516	12	(	(	PUNCT
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afbr-2190	516	14	)	)	PUNCT
afbr-2190	516	15	.	.	PUNCT
afbr-2190	517	1	the	the	DET
afbr-2190	517	2	relationship	relationship	NOUN
afbr-2190	517	3	of	of	ADP
afbr-2190	517	4	the	the	DET
afbr-2190	517	5	macroeconomic	macroeconomic	ADJ
afbr-2190	517	6	variables	variable	NOUN
afbr-2190	517	7	with	with	ADP
afbr-2190	517	8	the	the	DET
afbr-2190	517	9	growth	growth	NOUN
afbr-2190	517	10	of	of	ADP
afbr-2190	517	11	garment	garment	NOUN
afbr-2190	517	12	industry	industry	NOUN
afbr-2190	517	13	in	in	ADP
afbr-2190	517	14	bangladesh	bangladesh	NOUN
afbr-2190	517	15	.	.	PUNCT
afbr-2190	518	1	global	global	ADJ
afbr-2190	518	2	disclosure	disclosure	NOUN
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afbr-2190	518	4	economics	economic	NOUN
afbr-2190	518	5	and	and	CCONJ
afbr-2190	518	6	business	business	NOUN
afbr-2190	518	7	,	,	PUNCT
afbr-2190	518	8	4(1	4(1	NOUN
afbr-2190	518	9	)	)	PUNCT
afbr-2190	518	10	,	,	PUNCT
afbr-2190	518	11	63	63	NUM
afbr-2190	518	12	-	-	SYM
afbr-2190	518	13	78	78	NUM
afbr-2190	518	14	.	.	PUNCT
afbr-2190	519	1	https://doi.org/10.18034/gdeb.v4i1.153	https://doi.org/10.18034/gdeb.v4i1.153	NOUN
afbr-2190	519	2	hossain	hossain	PROPN
afbr-2190	519	3	,	,	PUNCT
afbr-2190	519	4	s.	s.	PROPN
afbr-2190	519	5	a.	a.	PROPN
afbr-2190	519	6	,	,	PUNCT
afbr-2190	519	7	islam	islam	PROPN
afbr-2190	519	8	,	,	PUNCT
afbr-2190	519	9	m.	m.	NOUN
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afbr-2190	519	11	,	,	PUNCT
afbr-2190	519	12	mahmud	mahmud	PROPN
afbr-2190	519	13	,	,	PUNCT
afbr-2190	519	14	m.	m.	NOUN
afbr-2190	519	15	s.	s.	PROPN
afbr-2190	519	16	,	,	PUNCT
afbr-2190	519	17	&	&	CCONJ
afbr-2190	519	18	islam	islam	PROPN
afbr-2190	519	19	,	,	PUNCT
afbr-2190	519	20	k.	k.	PROPN
afbr-2190	519	21	m.	m.	PROPN
afbr-2190	519	22	a.	a.	PROPN
afbr-2190	519	23	(	(	PUNCT
afbr-2190	519	24	2017	2017	NUM
afbr-2190	519	25	)	)	PUNCT
afbr-2190	519	26	.	.	PUNCT
afbr-2190	520	1	evaluation	evaluation	NOUN
afbr-2190	520	2	of	of	ADP
afbr-2190	520	3	financial	financial	ADJ
afbr-2190	520	4	performance	performance	NOUN
afbr-2190	520	5	of	of	ADP
afbr-2190	520	6	commercial	commercial	ADJ
afbr-2190	520	7	banks	bank	NOUN
afbr-2190	520	8	in	in	ADP
afbr-2190	520	9	bangladesh	bangladesh	NOUN
afbr-2190	520	10	:	:	PUNCT
afbr-2190	520	11	comparative	comparative	ADJ
afbr-2190	520	12	study	study	NOUN
afbr-2190	520	13	based	base	VERB
afbr-2190	520	14	on	on	ADP
afbr-2190	520	15	camel	camel	NOUN
afbr-2190	520	16	approach	approach	NOUN
afbr-2190	520	17	.	.	PUNCT
afbr-2190	521	1	the	the	DET
afbr-2190	521	2	millennium	millennium	PROPN
afbr-2190	521	3	university	university	PROPN
afbr-2190	521	4	journal	journal	NOUN
afbr-2190	521	5	,	,	PUNCT
afbr-2190	521	6	2(1	2(1	NUM
afbr-2190	521	7	)	)	PUNCT
afbr-2190	521	8	,	,	PUNCT
afbr-2190	521	9	54	54	NUM
afbr-2190	521	10	-	-	SYM
afbr-2190	521	11	77	77	NUM
afbr-2190	521	12	.	.	PUNCT
afbr-2190	521	13	retrieved	retrieve	VERB
afbr-2190	521	14	from	from	ADP
afbr-2190	521	15	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/22	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/22	PROPN
afbr-2190	521	16	hossain	hossain	PROPN
afbr-2190	521	17	,	,	PUNCT
afbr-2190	521	18	s.	s.	PROPN
afbr-2190	521	19	a.	a.	PROPN
afbr-2190	521	20	,	,	PUNCT
afbr-2190	521	21	&	&	CCONJ
afbr-2190	521	22	islam	islam	PROPN
afbr-2190	521	23	,	,	PUNCT
afbr-2190	521	24	k.	k.	PROPN
afbr-2190	521	25	m.	m.	PROPN
afbr-2190	521	26	a.	a.	PROPN
afbr-2190	521	27	(	(	PUNCT
afbr-2190	521	28	2017	2017	NUM
afbr-2190	521	29	)	)	PUNCT
afbr-2190	521	30	.	.	PUNCT
afbr-2190	522	1	impact	impact	NOUN
afbr-2190	522	2	of	of	ADP
afbr-2190	522	3	basel	basel	PROPN
afbr-2190	522	4	ii	ii	PROPN
afbr-2190	522	5	&	&	CCONJ
afbr-2190	522	6	iii	iii	NUM
afbr-2190	522	7	implementation	implementation	NOUN
afbr-2190	522	8	to	to	PART
afbr-2190	522	9	mitigate	mitigate	VERB
afbr-2190	522	10	bank	bank	NOUN
afbr-2190	522	11	risk	risk	NOUN
afbr-2190	522	12	:	:	PUNCT
afbr-2190	522	13	a	a	DET
afbr-2190	522	14	study	study	NOUN
afbr-2190	522	15	on	on	ADP
afbr-2190	522	16	alarafah	alarafah	PROPN
afbr-2190	522	17	islami	islami	PROPN
afbr-2190	522	18	bank	bank	PROPN
afbr-2190	522	19	limited	limit	VERB
afbr-2190	522	20	.	.	PUNCT
afbr-2190	523	1	indian	indian	ADJ
afbr-2190	523	2	journal	journal	PROPN
afbr-2190	523	3	of	of	ADP
afbr-2190	523	4	finance	finance	NOUN
afbr-2190	523	5	and	and	CCONJ
afbr-2190	523	6	banking	banking	NOUN
afbr-2190	523	7	,	,	PUNCT
afbr-2190	523	8	1(2	1(2	NUM
afbr-2190	523	9	)	)	PUNCT
afbr-2190	523	10	,	,	PUNCT
afbr-2190	523	11	42	42	NUM
afbr-2190	523	12	-	-	SYM
afbr-2190	523	13	51	51	NUM
afbr-2190	523	14	.	.	PUNCT
afbr-2190	524	1	https://doi.org/10.46281/ijfb.v1i2.88	https://doi.org/10.46281/ijfb.v1i2.88	PROPN
afbr-2190	524	2	https://doi.org/10.46281/ijafr.v5i4.852	https://doi.org/10.46281/ijafr.v5i4.852	PROPN
afbr-2190	524	3	http://www.cribfb.com/journal/index.php/ijswr/article/view/855	http://www.cribfb.com/journal/index.php/ijswr/article/view/855	PROPN
afbr-2190	524	4	https://doi.org/10.46281/ijbmf.v5i1.1051	https://doi.org/10.46281/ijbmf.v5i1.1051	PROPN
afbr-2190	524	5	https://doi.org/10.5430/rwe.v11n6p196	https://doi.org/10.5430/rwe.v11n6p196	ADJ
afbr-2190	524	6	https://doi.org/10.13189/saj.2020.080629	https://doi.org/10.13189/saj.2020.080629	NOUN
afbr-2190	524	7	https://doi.org/10.13106/jafeb.2021.vol8.no3.0931	https://doi.org/10.13106/jafeb.2021.vol8.no3.0931	PRON
afbr-2190	524	8	jakaria	jakaria	NOUN
afbr-2190	524	9	,	,	PUNCT
afbr-2190	524	10	australian	australian	ADJ
afbr-2190	524	11	finance	finance	NOUN
afbr-2190	524	12	&	&	CCONJ
afbr-2190	524	13	banking	banking	PROPN
afbr-2190	524	14	review	review	NOUN
afbr-2190	524	15	7(1	7(1	NUM
afbr-2190	524	16	)	)	PUNCT
afbr-2190	524	17	(	(	PUNCT
afbr-2190	524	18	2023	2023	NUM
afbr-2190	524	19	)	)	PUNCT
afbr-2190	524	20	,	,	PUNCT
afbr-2190	524	21	9	9	NUM
afbr-2190	524	22	-	-	SYM
afbr-2190	524	23	29	29	NUM
afbr-2190	524	24	25	25	NUM
afbr-2190	524	25	hasan	hasan	PROPN
afbr-2190	524	26	,	,	PUNCT
afbr-2190	524	27	z.	z.	PROPN
afbr-2190	524	28	,	,	PUNCT
afbr-2190	524	29	&	&	CCONJ
afbr-2190	524	30	islam	islam	PROPN
afbr-2190	524	31	,	,	PUNCT
afbr-2190	524	32	k.	k.	PROPN
afbr-2190	524	33	m.	m.	PROPN
afbr-2190	524	34	a.	a.	PROPN
afbr-2190	524	35	(	(	PUNCT
afbr-2190	524	36	2020	2020	NUM
afbr-2190	524	37	)	)	PUNCT
afbr-2190	524	38	.	.	PUNCT
afbr-2190	525	1	academic	academic	ADJ
afbr-2190	525	2	,	,	PUNCT
afbr-2190	525	3	financial	financial	ADJ
afbr-2190	525	4	and	and	CCONJ
afbr-2190	525	5	administrative	administrative	ADJ
afbr-2190	525	6	issues	issue	NOUN
afbr-2190	525	7	of	of	ADP
afbr-2190	525	8	online	online	ADJ
afbr-2190	525	9	teaching	teaching	NOUN
afbr-2190	525	10	during	during	ADP
afbr-2190	525	11	corona	corona	NOUN
afbr-2190	525	12	pandemic	pandemic	NOUN
afbr-2190	525	13	:	:	PUNCT
afbr-2190	525	14	the	the	DET
afbr-2190	525	15	scenario	scenario	NOUN
afbr-2190	525	16	of	of	ADP
afbr-2190	525	17	private	private	ADJ
afbr-2190	525	18	universities	university	NOUN
afbr-2190	525	19	in	in	ADP
afbr-2190	525	20	bangladesh	bangladesh	PROPN
afbr-2190	525	21	.	.	PUNCT
afbr-2190	526	1	international	international	ADJ
afbr-2190	526	2	journal	journal	PROPN
afbr-2190	526	3	of	of	ADP
afbr-2190	526	4	accounting	accounting	PROPN
afbr-2190	526	5	&	&	CCONJ
afbr-2190	526	6	finance	finance	PROPN
afbr-2190	526	7	review	review	PROPN
afbr-2190	526	8	,	,	PUNCT
afbr-2190	526	9	5(1	5(1	NUM
afbr-2190	526	10	)	)	PUNCT
afbr-2190	526	11	,	,	PUNCT
afbr-2190	526	12	116	116	NUM
afbr-2190	526	13	-	-	SYM
afbr-2190	526	14	122	122	NUM
afbr-2190	526	15	.	.	PUNCT
afbr-2190	527	1	https://doi.org/10.46281/ijafr.v5i1.630	https://doi.org/10.46281/ijafr.v5i1.630	PROPN
afbr-2190	527	2	hassan	hassan	PROPN
afbr-2190	527	3	,	,	PUNCT
afbr-2190	527	4	m.	m.	PROPN
afbr-2190	527	5	s.	s.	PROPN
afbr-2190	527	6	,	,	PUNCT
afbr-2190	527	7	mizanuzzaman	mizanuzzaman	PROPN
afbr-2190	527	8	,	,	PUNCT
afbr-2190	527	9	m.	m.	NOUN
afbr-2190	527	10	,	,	PUNCT
afbr-2190	527	11	&	&	CCONJ
afbr-2190	527	12	islam	islam	PROPN
afbr-2190	527	13	,	,	PUNCT
afbr-2190	527	14	k.	k.	PROPN
afbr-2190	527	15	m.	m.	PROPN
afbr-2190	527	16	a.	a.	PROPN
afbr-2190	527	17	(	(	PUNCT
afbr-2190	527	18	2020	2020	NUM
afbr-2190	527	19	)	)	PUNCT
afbr-2190	527	20	.	.	PUNCT
afbr-2190	528	1	the	the	DET
afbr-2190	528	2	effects	effect	NOUN
afbr-2190	528	3	of	of	ADP
afbr-2190	528	4	training	training	NOUN
afbr-2190	528	5	to	to	ADP
afbr-2190	528	6	the	the	DET
afbr-2190	528	7	employee	employee	NOUN
afbr-2190	528	8	performance	performance	NOUN
afbr-2190	528	9	and	and	CCONJ
afbr-2190	528	10	development	development	NOUN
afbr-2190	528	11	:	:	PUNCT
afbr-2190	528	12	a	a	DET
afbr-2190	528	13	study	study	NOUN
afbr-2190	528	14	of	of	ADP
afbr-2190	528	15	fareast	fareast	PROPN
afbr-2190	528	16	islami	islami	PROPN
afbr-2190	528	17	life	life	NOUN
afbr-2190	528	18	insurance	insurance	NOUN
afbr-2190	528	19	company	company	NOUN
afbr-2190	528	20	limited	limit	VERB
afbr-2190	528	21	,	,	PUNCT
afbr-2190	528	22	bangladesh	bangladesh	NOUN
afbr-2190	528	23	.	.	PUNCT
afbr-2190	529	1	international	international	ADJ
afbr-2190	529	2	journal	journal	PROPN
afbr-2190	529	3	of	of	ADP
afbr-2190	529	4	business	business	NOUN
afbr-2190	529	5	and	and	CCONJ
afbr-2190	529	6	management	management	NOUN
afbr-2190	529	7	future	future	NOUN
afbr-2190	529	8	,	,	PUNCT
afbr-2190	529	9	4(2	4(2	NUM
afbr-2190	529	10	)	)	PUNCT
afbr-2190	529	11	,	,	PUNCT
afbr-2190	529	12	17	17	NUM
afbr-2190	529	13	-	-	SYM
afbr-2190	529	14	40	40	NUM
afbr-2190	529	15	.	.	PUNCT
afbr-2190	530	1	https://doi.org/10.46281/ijbmf.v4i2.785	https://doi.org/10.46281/ijbmf.v4i2.785	PROPN
afbr-2190	530	2	hussain	hussain	PROPN
afbr-2190	530	3	,	,	PUNCT
afbr-2190	530	4	s.	s.	PROPN
afbr-2190	530	5	,	,	PUNCT
afbr-2190	530	6	baqir	baqir	PROPN
afbr-2190	530	7	,	,	PUNCT
afbr-2190	530	8	m.	m.	NOUN
afbr-2190	530	9	,	,	PUNCT
afbr-2190	530	10	islam	islam	PROPN
afbr-2190	530	11	,	,	PUNCT
afbr-2190	530	12	k.	k.	PROPN
afbr-2190	530	13	m.	m.	PROPN
afbr-2190	530	14	a.	a.	PROPN
afbr-2190	530	15	,	,	PUNCT
afbr-2190	530	16	&	&	CCONJ
afbr-2190	530	17	asif	asif	PROPN
afbr-2190	530	18	,	,	PUNCT
afbr-2190	530	19	s.	s.	PROPN
afbr-2190	530	20	(	(	PUNCT
afbr-2190	530	21	2020	2020	NUM
afbr-2190	530	22	)	)	PUNCT
afbr-2190	530	23	.	.	PUNCT
afbr-2190	531	1	how	how	SCONJ
afbr-2190	531	2	self	self	NOUN
afbr-2190	531	3	-	-	PUNCT
afbr-2190	531	4	control	control	NOUN
afbr-2190	531	5	impact	impact	NOUN
afbr-2190	531	6	’s	’s	X
afbr-2190	531	7	on	on	ADP
afbr-2190	531	8	happiness	happiness	NOUN
afbr-2190	531	9	and	and	CCONJ
afbr-2190	531	10	satisfaction	satisfaction	NOUN
afbr-2190	531	11	with	with	ADP
afbr-2190	531	12	life	life	NOUN
afbr-2190	531	13	with	with	ADP
afbr-2190	531	14	moderating	moderate	VERB
afbr-2190	531	15	role	role	NOUN
afbr-2190	531	16	of	of	ADP
afbr-2190	531	17	locus	locus	NOUN
afbr-2190	531	18	of	of	ADP
afbr-2190	531	19	control	control	NOUN
afbr-2190	531	20	.	.	PUNCT
afbr-2190	532	1	american	american	PROPN
afbr-2190	532	2	economic	economic	PROPN
afbr-2190	532	3	&	&	CCONJ
afbr-2190	532	4	social	social	PROPN
afbr-2190	532	5	review	review	PROPN
afbr-2190	532	6	,	,	PUNCT
afbr-2190	532	7	6(2	6(2	NUM
afbr-2190	532	8	)	)	PUNCT
afbr-2190	532	9	,	,	PUNCT
afbr-2190	532	10	13	13	NUM
afbr-2190	532	11	-	-	SYM
afbr-2190	532	12	30	30	NUM
afbr-2190	532	13	.	.	PUNCT
afbr-2190	533	1	https://doi.org/10.46281/aesr.v6i2.851	https://doi.org/10.46281/aesr.v6i2.851	PROPN
afbr-2190	533	2	islam	islam	PROPN
afbr-2190	533	3	,	,	PUNCT
afbr-2190	533	4	k.	k.	PROPN
afbr-2190	533	5	m.	m.	PROPN
afbr-2190	533	6	a.	a.	PROPN
afbr-2190	533	7	,	,	PUNCT
afbr-2190	533	8	&	&	CCONJ
afbr-2190	533	9	zaman	zaman	PROPN
afbr-2190	533	10	,	,	PUNCT
afbr-2190	533	11	m.	m.	NOUN
afbr-2190	533	12	(	(	PUNCT
afbr-2190	533	13	2013	2013	NUM
afbr-2190	533	14	)	)	PUNCT
afbr-2190	533	15	.	.	PUNCT
afbr-2190	534	1	job	job	NOUN
afbr-2190	534	2	satisfaction	satisfaction	NOUN
afbr-2190	534	3	&	&	CCONJ
afbr-2190	534	4	bankers	bankers	PROPN
afbr-2190	534	5	turnover	turnover	NOUN
afbr-2190	534	6	:	:	PUNCT
afbr-2190	534	7	a	a	DET
afbr-2190	534	8	case	case	NOUN
afbr-2190	534	9	study	study	NOUN
afbr-2190	534	10	on	on	ADP
afbr-2190	534	11	bangladesh	bangladesh	PROPN
afbr-2190	534	12	commerce	commerce	PROPN
afbr-2190	534	13	bank	bank	PROPN
afbr-2190	534	14	limited	limit	VERB
afbr-2190	534	15	.	.	PUNCT
afbr-2190	535	1	international	international	ADJ
afbr-2190	535	2	journal	journal	PROPN
afbr-2190	535	3	of	of	ADP
afbr-2190	535	4	business	business	NOUN
afbr-2190	535	5	and	and	CCONJ
afbr-2190	535	6	management	management	NOUN
afbr-2190	535	7	review	review	NOUN
afbr-2190	535	8	,	,	PUNCT
afbr-2190	535	9	1(4	1(4	NUM
afbr-2190	535	10	)	)	PUNCT
afbr-2190	535	11	,	,	PUNCT
afbr-2190	535	12	1	1	NUM
afbr-2190	535	13	-	-	SYM
afbr-2190	535	14	14	14	NUM
afbr-2190	535	15	.	.	PUNCT
afbr-2190	536	1	retrieved	retrieve	VERB
afbr-2190	536	2	from	from	ADP
afbr-2190	536	3	https://www.eajournals.org/journals/international-journal-of-business-and-management-review-ijbmr/vol-1issue-4-december-2013/job-satisfaction-bankers-turnover-a-case-study-on-bangladesh-commerce-bank-limited	https://www.eajournals.org/journals/international-journal-of-business-and-management-review-ijbmr/vol-1issue-4-december-2013/job-satisfaction-bankers-turnover-a-case-study-on-bangladesh-commerce-bank-limite	VERB
afbr-2190	536	4	islam	islam	PROPN
afbr-2190	536	5	,	,	PUNCT
afbr-2190	536	6	k.	k.	PROPN
afbr-2190	536	7	m.	m.	PROPN
afbr-2190	536	8	a.	a.	PROPN
afbr-2190	536	9	,	,	PUNCT
afbr-2190	536	10	hossain	hossain	PROPN
afbr-2190	536	11	,	,	PUNCT
afbr-2190	536	12	s.	s.	PROPN
afbr-2190	536	13	a.	a.	PROPN
afbr-2190	536	14	,	,	PUNCT
afbr-2190	536	15	zaman	zaman	NOUN
afbr-2190	536	16	,	,	PUNCT
afbr-2190	536	17	m.	m.	NOUN
afbr-2190	536	18	,	,	PUNCT
afbr-2190	536	19	&	&	CCONJ
afbr-2190	536	20	miajee	miajee	PROPN
afbr-2190	536	21	,	,	PUNCT
afbr-2190	536	22	m.	m.	PROPN
afbr-2190	536	23	r.	r.	PROPN
afbr-2190	536	24	k.	k.	PROPN
afbr-2190	536	25	(	(	PUNCT
afbr-2190	536	26	2013	2013	NUM
afbr-2190	536	27	)	)	PUNCT
afbr-2190	536	28	.	.	PUNCT
afbr-2190	537	1	poverty	poverty	NOUN
afbr-2190	537	2	alleviation	alleviation	NOUN
afbr-2190	537	3	in	in	ADP
afbr-2190	537	4	bangladesh	bangladesh	PROPN
afbr-2190	537	5	through	through	ADP
afbr-2190	537	6	small	small	ADJ
afbr-2190	537	7	and	and	CCONJ
afbr-2190	537	8	medium	medium	ADJ
afbr-2190	537	9	enterprise	enterprise	NOUN
afbr-2190	537	10	(	(	PUNCT
afbr-2190	537	11	sme	sme	NOUN
afbr-2190	537	12	)	)	PUNCT
afbr-2190	537	13	loan	loan	NOUN
afbr-2190	537	14	:	:	PUNCT
afbr-2190	537	15	a	a	DET
afbr-2190	537	16	case	case	NOUN
afbr-2190	537	17	study	study	NOUN
afbr-2190	537	18	on	on	ADP
afbr-2190	537	19	united	united	PROPN
afbr-2190	537	20	commercial	commercial	PROPN
afbr-2190	537	21	bank	bank	PROPN
afbr-2190	537	22	limited	limit	VERB
afbr-2190	537	23	at	at	ADP
afbr-2190	537	24	gulshan	gulshan	PROPN
afbr-2190	537	25	branch	branch	PROPN
afbr-2190	537	26	.	.	PUNCT
afbr-2190	538	1	bangladesh	bangladesh	PROPN
afbr-2190	538	2	research	research	PROPN
afbr-2190	538	3	foundation	foundation	PROPN
afbr-2190	538	4	journal	journal	PROPN
afbr-2190	538	5	,	,	PUNCT
afbr-2190	538	6	2(3	2(3	NUM
afbr-2190	538	7	)	)	PUNCT
afbr-2190	538	8	,	,	PUNCT
afbr-2190	538	9	29	29	NUM
afbr-2190	538	10	-	-	SYM
afbr-2190	538	11	43	43	NUM
afbr-2190	538	12	.	.	PUNCT
afbr-2190	539	1	retrieved	retrieve	VERB
afbr-2190	539	2	from	from	ADP
afbr-2190	539	3	https://www.researchgate.net/publication/338372458_poverty_alleviation_in_bangladesh_through_small_and	https://www.researchgate.net/publication/338372458_poverty_alleviation_in_bangladesh_through_small_and	ADJ
afbr-2190	539	4	_	_	PRON
afbr-2190	539	5	medium_enterprise_sme_loan_a_case_study_on_united_commercial_bank_limited_at_gulshan_branch	medium_enterprise_sme_loan_a_case_study_on_united_commercial_bank_limited_at_gulshan_branch	AUX
afbr-2190	540	1	islam	islam	PROPN
afbr-2190	540	2	,	,	PUNCT
afbr-2190	540	3	k.	k.	PROPN
afbr-2190	540	4	m.	m.	PROPN
afbr-2190	540	5	a.	a.	PROPN
afbr-2190	540	6	(	(	PUNCT
afbr-2190	540	7	2013	2013	NUM
afbr-2190	540	8	)	)	PUNCT
afbr-2190	540	9	.	.	PUNCT
afbr-2190	541	1	examination	examination	NOUN
afbr-2190	541	2	of	of	ADP
afbr-2190	541	3	profitability	profitability	NOUN
afbr-2190	541	4	in	in	ADP
afbr-2190	541	5	private	private	ADJ
afbr-2190	541	6	commercial	commercial	ADJ
afbr-2190	541	7	banks	bank	NOUN
afbr-2190	541	8	in	in	ADP
afbr-2190	541	9	bangladesh	bangladesh	NOUN
afbr-2190	541	10	:	:	PUNCT
afbr-2190	541	11	an	an	DET
afbr-2190	541	12	empirical	empirical	ADJ
afbr-2190	541	13	investigation	investigation	NOUN
afbr-2190	541	14	.	.	PUNCT
afbr-2190	542	1	bangladesh	bangladesh	PROPN
afbr-2190	542	2	research	research	PROPN
afbr-2190	542	3	foundation	foundation	PROPN
afbr-2190	542	4	journal	journal	PROPN
afbr-2190	542	5	,	,	PUNCT
afbr-2190	542	6	2(2	2(2	NUM
afbr-2190	542	7	)	)	PUNCT
afbr-2190	542	8	,	,	PUNCT
afbr-2190	542	9	68	68	NUM
afbr-2190	542	10	-	-	SYM
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afbr-2190	542	12	.	.	PUNCT
afbr-2190	543	1	retrieved	retrieve	VERB
afbr-2190	543	2	from	from	ADP
afbr-2190	543	3	https://www.researchgate.net/publication/340526654_examination_of_profitability_in_private_commercial_ba	https://www.researchgate.net/publication/340526654_examination_of_profitability_in_private_commercial_ba	PROPN
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afbr-2190	543	5	islam	islam	PROPN
afbr-2190	543	6	,	,	PUNCT
afbr-2190	543	7	k.	k.	PROPN
afbr-2190	543	8	m.	m.	PROPN
afbr-2190	543	9	a.	a.	PROPN
afbr-2190	543	10	,	,	PUNCT
afbr-2190	543	11	alam	alam	PROPN
afbr-2190	543	12	,	,	PUNCT
afbr-2190	543	13	i.	i.	PROPN
afbr-2190	543	14	,	,	PUNCT
afbr-2190	543	15	&	&	CCONJ
afbr-2190	543	16	hossain	hossain	PROPN
afbr-2190	543	17	,	,	PUNCT
afbr-2190	543	18	s.	s.	PROPN
afbr-2190	543	19	a.	a.	PROPN
afbr-2190	543	20	(	(	PUNCT
afbr-2190	543	21	2014	2014	NUM
afbr-2190	543	22	)	)	PUNCT
afbr-2190	543	23	.	.	PUNCT
afbr-2190	544	1	examination	examination	NOUN
afbr-2190	544	2	of	of	ADP
afbr-2190	544	3	profitability	profitability	NOUN
afbr-2190	544	4	between	between	ADP
afbr-2190	544	5	islamic	islamic	ADJ
afbr-2190	544	6	banks	bank	NOUN
afbr-2190	544	7	and	and	CCONJ
afbr-2190	544	8	conventional	conventional	ADJ
afbr-2190	544	9	banks	bank	NOUN
afbr-2190	544	10	in	in	ADP
afbr-2190	544	11	bangladesh	bangladesh	NOUN
afbr-2190	544	12	:	:	PUNCT
afbr-2190	544	13	a	a	DET
afbr-2190	544	14	comparative	comparative	ADJ
afbr-2190	544	15	study	study	NOUN
afbr-2190	544	16	.	.	PUNCT
afbr-2190	545	1	research	research	NOUN
afbr-2190	545	2	in	in	ADP
afbr-2190	545	3	business	business	NOUN
afbr-2190	545	4	and	and	CCONJ
afbr-2190	545	5	management	management	NOUN
afbr-2190	545	6	,	,	PUNCT
afbr-2190	545	7	1(1	1(1	NUM
afbr-2190	545	8	)	)	PUNCT
afbr-2190	545	9	,	,	PUNCT
afbr-2190	545	10	78	78	NUM
afbr-2190	545	11	-	-	SYM
afbr-2190	545	12	89	89	NUM
afbr-2190	545	13	.	.	PUNCT
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afbr-2190	546	2	islam	islam	PROPN
afbr-2190	546	3	,	,	PUNCT
afbr-2190	546	4	k.	k.	PROPN
afbr-2190	546	5	m.	m.	PROPN
afbr-2190	546	6	a.	a.	PROPN
afbr-2190	546	7	,	,	PUNCT
afbr-2190	546	8	&	&	CCONJ
afbr-2190	546	9	salma	salma	PROPN
afbr-2190	546	10	,	,	PUNCT
afbr-2190	546	11	u.	u.	PROPN
afbr-2190	546	12	(	(	PUNCT
afbr-2190	546	13	2014	2014	NUM
afbr-2190	546	14	)	)	PUNCT
afbr-2190	546	15	.	.	PUNCT
afbr-2190	547	1	customer	customer	NOUN
afbr-2190	547	2	satisfaction	satisfaction	NOUN
afbr-2190	547	3	of	of	ADP
afbr-2190	547	4	internet	internet	NOUN
afbr-2190	547	5	banking	banking	NOUN
afbr-2190	547	6	in	in	ADP
afbr-2190	547	7	bangladesh	bangladesh	PROPN
afbr-2190	547	8	:	:	PUNCT
afbr-2190	547	9	a	a	DET
afbr-2190	547	10	case	case	NOUN
afbr-2190	547	11	study	study	NOUN
afbr-2190	547	12	on	on	ADP
afbr-2190	547	13	citibank	citibank	PROPN
afbr-2190	547	14	na	na	PROPN
afbr-2190	547	15	.	.	PROPN
afbr-2190	547	16	asian	asian	PROPN
afbr-2190	547	17	journal	journal	PROPN
afbr-2190	547	18	of	of	ADP
afbr-2190	547	19	applied	apply	VERB
afbr-2190	547	20	science	science	NOUN
afbr-2190	547	21	and	and	CCONJ
afbr-2190	547	22	engineering	engineering	NOUN
afbr-2190	547	23	,	,	PUNCT
afbr-2190	547	24	3(1	3(1	NUM
afbr-2190	547	25	)	)	PUNCT
afbr-2190	547	26	,	,	PUNCT
afbr-2190	547	27	51	51	NUM
afbr-2190	547	28	-	-	SYM
afbr-2190	547	29	62	62	NUM
afbr-2190	547	30	.	.	PUNCT
afbr-2190	547	31	retrieved	retrieve	VERB
afbr-2190	547	32	from	from	ADP
afbr-2190	547	33	https://www.journals.abc.us.org/index.php/ajase/article/view/51-62	https://www.journals.abc.us.org/index.php/ajase/article/view/51-62	PROPN
afbr-2190	547	34	islam	islam	PROPN
afbr-2190	547	35	,	,	PUNCT
afbr-2190	547	36	k.	k.	PROPN
afbr-2190	547	37	m.	m.	PROPN
afbr-2190	547	38	a.	a.	PROPN
afbr-2190	547	39	(	(	PUNCT
afbr-2190	547	40	2014	2014	NUM
afbr-2190	547	41	)	)	PUNCT
afbr-2190	547	42	.	.	PUNCT
afbr-2190	548	1	measurement	measurement	NOUN
afbr-2190	548	2	of	of	ADP
afbr-2190	548	3	capital	capital	NOUN
afbr-2190	548	4	adequacy	adequacy	NOUN
afbr-2190	548	5	of	of	ADP
afbr-2190	548	6	ab	ab	PROPN
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afbr-2190	548	9	.	.	PUNCT
afbr-2190	549	1	international	international	ADJ
afbr-2190	549	2	journal	journal	NOUN
afbr-2190	549	3	of	of	ADP
afbr-2190	549	4	novel	novel	ADJ
afbr-2190	549	5	research	research	NOUN
afbr-2190	549	6	in	in	ADP
afbr-2190	549	7	marketing	marketing	NOUN
afbr-2190	549	8	management	management	NOUN
afbr-2190	549	9	and	and	CCONJ
afbr-2190	549	10	economics	economic	NOUN
afbr-2190	549	11	,	,	PUNCT
afbr-2190	549	12	1(1	1(1	NUM
afbr-2190	549	13	)	)	PUNCT
afbr-2190	549	14	,	,	PUNCT
afbr-2190	549	15	24	24	NUM
afbr-2190	549	16	-	-	SYM
afbr-2190	549	17	39	39	NUM
afbr-2190	549	18	.	.	PUNCT
afbr-2190	550	1	retrieved	retrieve	VERB
afbr-2190	550	2	from	from	ADP
afbr-2190	550	3	https://www.noveltyjournals.com/journal/ijnrmme/issue-1-september-2014-december-2014/0	https://www.noveltyjournals.com/journal/ijnrmme/issue-1-september-2014-december-2014/0	PROPN
afbr-2190	550	4	islam	islam	PROPN
afbr-2190	550	5	,	,	PUNCT
afbr-2190	550	6	k.	k.	PROPN
afbr-2190	550	7	m.	m.	PROPN
afbr-2190	550	8	a.	a.	PROPN
afbr-2190	550	9	(	(	PUNCT
afbr-2190	550	10	2015	2015	NUM
afbr-2190	550	11	)	)	PUNCT
afbr-2190	550	12	.	.	PUNCT
afbr-2190	551	1	throughput	throughput	NOUN
afbr-2190	551	2	accounting	accounting	NOUN
afbr-2190	551	3	:	:	PUNCT
afbr-2190	551	4	a	a	DET
afbr-2190	551	5	case	case	NOUN
afbr-2190	551	6	study	study	NOUN
afbr-2190	551	7	.	.	PUNCT
afbr-2190	552	1	int	int	PROPN
afbr-2190	552	2	j	j	PROPN
afbr-2190	552	3	financ	financ	PROPN
afbr-2190	552	4	bank	bank	PROPN
afbr-2190	552	5	res	re	NOUN
afbr-2190	552	6	,	,	PUNCT
afbr-2190	552	7	1(2	1(2	NUM
afbr-2190	552	8	)	)	PUNCT
afbr-2190	552	9	,	,	PUNCT
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afbr-2190	552	11	-	-	SYM
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afbr-2190	552	13	.	.	PUNCT
afbr-2190	553	1	https://doi.org/10.11648/j.ijfbr.20150102.11	https://doi.org/10.11648/j.ijfbr.20150102.11	PROPN
afbr-2190	553	2	islam	islam	PROPN
afbr-2190	553	3	,	,	PUNCT
afbr-2190	553	4	k.	k.	PROPN
afbr-2190	553	5	m.	m.	PROPN
afbr-2190	553	6	a.	a.	PROPN
afbr-2190	553	7	,	,	PUNCT
afbr-2190	553	8	alam	alam	PROPN
afbr-2190	553	9	,	,	PUNCT
afbr-2190	553	10	i.	i.	PROPN
afbr-2190	553	11	,	,	PUNCT
afbr-2190	553	12	&	&	CCONJ
afbr-2190	553	13	al	al	PROPN
afbr-2190	553	14	-	-	PUNCT
afbr-2190	553	15	amin	amin	PROPN
afbr-2190	553	16	,	,	PUNCT
afbr-2190	553	17	d.	d.	PROPN
afbr-2190	553	18	m.	m.	PROPN
afbr-2190	553	19	(	(	PUNCT
afbr-2190	553	20	2015	2015	NUM
afbr-2190	553	21	)	)	PUNCT
afbr-2190	553	22	.	.	PUNCT
afbr-2190	554	1	foreign	foreign	ADJ
afbr-2190	554	2	exchange	exchange	NOUN
afbr-2190	554	3	operation	operation	NOUN
afbr-2190	554	4	of	of	ADP
afbr-2190	554	5	private	private	ADJ
afbr-2190	554	6	commercial	commercial	ADJ
afbr-2190	554	7	banks	bank	NOUN
afbr-2190	554	8	in	in	ADP
afbr-2190	554	9	bangladesh	bangladesh	NOUN
afbr-2190	554	10	:	:	PUNCT
afbr-2190	554	11	a	a	DET
afbr-2190	554	12	case	case	NOUN
afbr-2190	554	13	study	study	NOUN
afbr-2190	554	14	on	on	ADP
afbr-2190	554	15	ab	ab	PROPN
afbr-2190	554	16	bank	bank	PROPN
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afbr-2190	554	18	.	.	PUNCT
afbr-2190	555	1	international	international	ADJ
afbr-2190	555	2	journal	journal	NOUN
afbr-2190	555	3	of	of	ADP
afbr-2190	555	4	innovative	innovative	ADJ
afbr-2190	555	5	research	research	NOUN
afbr-2190	555	6	and	and	CCONJ
afbr-2190	555	7	creative	creative	ADJ
afbr-2190	555	8	technology	technology	NOUN
afbr-2190	555	9	,	,	PUNCT
afbr-2190	555	10	1(3	1(3	NUM
afbr-2190	555	11	)	)	PUNCT
afbr-2190	555	12	.	.	PUNCT
afbr-2190	556	1	retrieved	retrieve	VERB
afbr-2190	556	2	from	from	ADP
afbr-2190	556	3	http://www.ijirct.org/viewpaper.php?paperid=ijirct1201061	http://www.ijirct.org/viewpaper.php?paperid=ijirct1201061	PROPN
afbr-2190	556	4	islam	islam	PROPN
afbr-2190	556	5	,	,	PUNCT
afbr-2190	556	6	k.	k.	PROPN
afbr-2190	556	7	m.	m.	PROPN
afbr-2190	556	8	,	,	PUNCT
afbr-2190	556	9	&	&	CCONJ
afbr-2190	556	10	hossain	hossain	PROPN
afbr-2190	556	11	,	,	PUNCT
afbr-2190	556	12	s.	s.	PROPN
afbr-2190	556	13	(	(	PUNCT
afbr-2190	556	14	2015	2015	NUM
afbr-2190	556	15	)	)	PUNCT
afbr-2190	556	16	.	.	PUNCT
afbr-2190	557	1	demutualization	demutualization	NOUN
afbr-2190	557	2	of	of	ADP
afbr-2190	557	3	dhaka	dhaka	PROPN
afbr-2190	557	4	stock	stock	PROPN
afbr-2190	557	5	exchange	exchange	PROPN
afbr-2190	557	6	:	:	PUNCT
afbr-2190	557	7	opportunities	opportunity	NOUN
afbr-2190	557	8	and	and	CCONJ
afbr-2190	557	9	challenges	challenge	NOUN
afbr-2190	557	10	.	.	PUNCT
afbr-2190	558	1	international	international	ADJ
afbr-2190	558	2	journal	journal	NOUN
afbr-2190	558	3	of	of	ADP
afbr-2190	558	4	finance	finance	NOUN
afbr-2190	558	5	and	and	CCONJ
afbr-2190	558	6	banking	banking	NOUN
afbr-2190	558	7	research	research	NOUN
afbr-2190	558	8	,	,	PUNCT
afbr-2190	558	9	1(1	1(1	NUM
afbr-2190	558	10	)	)	PUNCT
afbr-2190	558	11	,	,	PUNCT
afbr-2190	558	12	1	1	NUM
afbr-2190	558	13	-	-	SYM
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afbr-2190	558	15	.	.	PUNCT
afbr-2190	558	16	retrieved	retrieve	VERB
afbr-2190	558	17	from	from	ADP
afbr-2190	558	18	http://article.sciencepublishinggroup.com/html/10.11648.j.ijfbr.20150101.11.html	http://article.sciencepublishinggroup.com/html/10.11648.j.ijfbr.20150101.11.html	PROPN
afbr-2190	558	19	islam	islam	PROPN
afbr-2190	558	20	,	,	PUNCT
afbr-2190	558	21	k.	k.	PROPN
afbr-2190	558	22	m.	m.	PROPN
afbr-2190	558	23	a.	a.	PROPN
afbr-2190	558	24	(	(	PUNCT
afbr-2190	558	25	2016a	2016a	NUM
afbr-2190	558	26	)	)	PUNCT
afbr-2190	558	27	.	.	PUNCT
afbr-2190	559	1	e	e	X
afbr-2190	559	2	-	-	NOUN
afbr-2190	559	3	commerce	commerce	NOUN
afbr-2190	559	4	:	:	PUNCT
afbr-2190	559	5	bangladesh	bangladesh	PROPN
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afbr-2190	559	7	.	.	PUNCT
afbr-2190	560	1	lap	lap	NOUN
afbr-2190	560	2	lambert	lambert	PROPN
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afbr-2190	560	5	,	,	PUNCT
afbr-2190	560	6	germany	germany	PROPN
afbr-2190	560	7	islam	islam	PROPN
afbr-2190	560	8	,	,	PUNCT
afbr-2190	560	9	k.	k.	PROPN
afbr-2190	560	10	m.	m.	PROPN
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afbr-2190	560	12	(	(	PUNCT
afbr-2190	560	13	2016b	2016b	NUM
afbr-2190	560	14	)	)	PUNCT
afbr-2190	560	15	.	.	PUNCT
afbr-2190	561	1	women	woman	NOUN
afbr-2190	561	2	’s	’s	PART
afbr-2190	561	3	empowerment	empowerment	NOUN
afbr-2190	561	4	through	through	ADP
afbr-2190	561	5	micro	micro	NOUN
afbr-2190	561	6	-	-	NOUN
afbr-2190	561	7	financing	financing	ADJ
afbr-2190	561	8	:	:	PUNCT
afbr-2190	561	9	bangladesh	bangladesh	NOUN
afbr-2190	561	10	perspective	perspective	NOUN
afbr-2190	561	11	”	"	PUNCT
afbr-2190	561	12	.	.	PUNCT
afbr-2190	562	1	lap	lap	PROPN
afbr-2190	562	2	lambert	lambert	PROPN
afbr-2190	562	3	academic	academic	PROPN
afbr-2190	562	4	publishing	publishing	PROPN
afbr-2190	562	5	(	(	PUNCT
afbr-2190	562	6	june	june	PROPN
afbr-2190	562	7	2	2	NUM
afbr-2190	562	8	,	,	PUNCT
afbr-2190	562	9	2016	2016	NUM
afbr-2190	562	10	)	)	PUNCT
afbr-2190	562	11	islam	islam	PROPN
afbr-2190	562	12	,	,	PUNCT
afbr-2190	562	13	k.	k.	PROPN
afbr-2190	562	14	m.	m.	PROPN
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afbr-2190	562	16	(	(	PUNCT
afbr-2190	562	17	2016c	2016c	NUM
afbr-2190	562	18	)	)	PUNCT
afbr-2190	562	19	.	.	PUNCT
afbr-2190	563	1	mobile	mobile	ADJ
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afbr-2190	563	3	:	:	PUNCT
afbr-2190	563	4	bangladesh	bangladesh	PROPN
afbr-2190	563	5	perspective	perspective	NOUN
afbr-2190	563	6	.	.	PUNCT
afbr-2190	564	1	lap	lap	NOUN
afbr-2190	564	2	lambert	lambert	PROPN
afbr-2190	564	3	academic	academic	PROPN
afbr-2190	564	4	publishing	publishing	NOUN
afbr-2190	564	5	,	,	PUNCT
afbr-2190	564	6	germany	germany	PROPN
afbr-2190	564	7	islam	islam	PROPN
afbr-2190	564	8	,	,	PUNCT
afbr-2190	564	9	k.	k.	PROPN
afbr-2190	564	10	m.	m.	PROPN
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afbr-2190	564	12	(	(	PUNCT
afbr-2190	564	13	2016d	2016d	NUM
afbr-2190	564	14	)	)	PUNCT
afbr-2190	564	15	.	.	PUNCT
afbr-2190	565	1	impact	impact	NOUN
afbr-2190	565	2	of	of	ADP
afbr-2190	565	3	micro	micro	NOUN
afbr-2190	565	4	-	-	NOUN
afbr-2190	565	5	financing	financing	NOUN
afbr-2190	565	6	on	on	ADP
afbr-2190	565	7	women	woman	NOUN
afbr-2190	565	8	empowerment	empowerment	NOUN
afbr-2190	565	9	in	in	ADP
afbr-2190	565	10	bangladesh	bangladesh	NOUN
afbr-2190	565	11	.	.	PUNCT
afbr-2190	566	1	the	the	DET
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afbr-2190	566	4	journal	journal	NOUN
afbr-2190	566	5	,	,	PUNCT
afbr-2190	566	6	1(1	1(1	NUM
afbr-2190	566	7	)	)	PUNCT
afbr-2190	566	8	,	,	PUNCT
afbr-2190	566	9	1	1	NUM
afbr-2190	566	10	-	-	SYM
afbr-2190	566	11	18	18	NUM
afbr-2190	566	12	.	.	PUNCT
afbr-2190	566	13	retrieved	retrieve	VERB
afbr-2190	566	14	from	from	ADP
afbr-2190	566	15	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/1	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/1	NOUN
afbr-2190	566	16	islam	islam	PROPN
afbr-2190	566	17	,	,	PUNCT
afbr-2190	566	18	k.	k.	PROPN
afbr-2190	566	19	m.	m.	PROPN
afbr-2190	566	20	a.	a.	PROPN
afbr-2190	566	21	(	(	PUNCT
afbr-2190	566	22	2016e	2016e	NUM
afbr-2190	566	23	)	)	PUNCT
afbr-2190	566	24	.	.	PUNCT
afbr-2190	567	1	financial	financial	ADJ
afbr-2190	567	2	performance	performance	NOUN
afbr-2190	567	3	comparison	comparison	NOUN
afbr-2190	567	4	of	of	ADP
afbr-2190	567	5	top	top	ADJ
afbr-2190	567	6	rated	rate	VERB
afbr-2190	567	7	banking	bank	VERB
afbr-2190	567	8	financial	financial	ADJ
afbr-2190	567	9	institutions	institution	NOUN
afbr-2190	567	10	(	(	PUNCT
afbr-2190	567	11	bfis	bfis	NOUN
afbr-2190	567	12	)	)	PUNCT
afbr-2190	567	13	of	of	ADP
afbr-2190	567	14	bangladesh	bangladesh	PROPN
afbr-2190	567	15	.	.	PUNCT
afbr-2190	568	1	indian	indian	PROPN
afbr-2190	568	2	journal	journal	PROPN
afbr-2190	568	3	of	of	ADP
afbr-2190	568	4	science	science	NOUN
afbr-2190	568	5	,	,	PUNCT
afbr-2190	568	6	23(85	23(85	NUM
afbr-2190	568	7	)	)	PUNCT
afbr-2190	568	8	,	,	PUNCT
afbr-2190	568	9	669	669	NUM
afbr-2190	568	10	-	-	SYM
afbr-2190	568	11	697	697	NUM
afbr-2190	568	12	.	.	PUNCT
afbr-2190	568	13	retrieved	retrieve	VERB
afbr-2190	568	14	from	from	ADP
afbr-2190	568	15	https://discoveryjournals.org/science/current_issue/2016/a60.pdf	https://discoveryjournals.org/science/current_issue/2016/a60.pdf	PROPN
afbr-2190	568	16	islam	islam	PROPN
afbr-2190	568	17	,	,	PUNCT
afbr-2190	568	18	k.	k.	PROPN
afbr-2190	568	19	m.	m.	PROPN
afbr-2190	568	20	a.	a.	PROPN
afbr-2190	568	21	(	(	PUNCT
afbr-2190	568	22	2016f	2016f	NUM
afbr-2190	568	23	)	)	PUNCT
afbr-2190	568	24	.	.	PUNCT
afbr-2190	569	1	corporate	corporate	ADJ
afbr-2190	569	2	governance	governance	NOUN
afbr-2190	569	3	:	:	PUNCT
afbr-2190	569	4	conjecture	conjecture	NOUN
afbr-2190	569	5	and	and	CCONJ
afbr-2190	569	6	modernism	modernism	NOUN
afbr-2190	569	7	.	.	PUNCT
afbr-2190	570	1	indian	indian	PROPN
afbr-2190	570	2	journal	journal	PROPN
afbr-2190	570	3	of	of	ADP
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afbr-2190	570	5	,	,	PUNCT
afbr-2190	570	6	23(86	23(86	NUM
afbr-2190	570	7	)	)	PUNCT
afbr-2190	570	8	,	,	PUNCT
afbr-2190	570	9	798	798	NUM
afbr-2190	570	10	-	-	SYM
afbr-2190	570	11	817	817	NUM
afbr-2190	570	12	.	.	PUNCT
afbr-2190	571	1	retrieved	retrieve	VERB
afbr-2190	571	2	from	from	ADP
afbr-2190	571	3	https://discoveryjournals.org/science/current_issue/2016/a66.pdf	https://discoveryjournals.org/science/current_issue/2016/a66.pdf	PROPN
afbr-2190	571	4	islam	islam	PROPN
afbr-2190	571	5	,	,	PUNCT
afbr-2190	571	6	k.	k.	PROPN
afbr-2190	571	7	m.	m.	PROPN
afbr-2190	571	8	a.	a.	PROPN
afbr-2190	571	9	(	(	PUNCT
afbr-2190	571	10	2016	2016	NUM
afbr-2190	571	11	g	g	NOUN
afbr-2190	571	12	)	)	PUNCT
afbr-2190	571	13	.	.	PUNCT
afbr-2190	572	1	corporate	corporate	ADJ
afbr-2190	572	2	governance	governance	NOUN
afbr-2190	572	3	of	of	ADP
afbr-2190	572	4	banking	banking	NOUN
afbr-2190	572	5	institutions	institution	NOUN
afbr-2190	572	6	:	:	PUNCT
afbr-2190	572	7	bangladesh	bangladesh	PROPN
afbr-2190	572	8	perspective	perspective	NOUN
afbr-2190	572	9	.	.	PUNCT
afbr-2190	573	1	lap	lap	NOUN
afbr-2190	573	2	lambert	lambert	PROPN
afbr-2190	573	3	academic	academic	ADJ
afbr-2190	573	4	publishing	publishing	NOUN
afbr-2190	573	5	.	.	PUNCT
afbr-2190	574	1	islam	islam	PROPN
afbr-2190	574	2	,	,	PUNCT
afbr-2190	574	3	k.	k.	PROPN
afbr-2190	574	4	m.	m.	PROPN
afbr-2190	574	5	a.	a.	PROPN
afbr-2190	574	6	(	(	PUNCT
afbr-2190	574	7	2016h	2016h	NOUN
afbr-2190	574	8	.	.	PUNCT
afbr-2190	575	1	factors	factor	NOUN
afbr-2190	575	2	influencing	influence	VERB
afbr-2190	575	3	consumers	consumer	NOUN
afbr-2190	575	4	purchase	purchase	VERB
afbr-2190	575	5	decision	decision	NOUN
afbr-2190	575	6	:	:	PUNCT
afbr-2190	575	7	a	a	DET
afbr-2190	575	8	case	case	NOUN
afbr-2190	575	9	study	study	NOUN
afbr-2190	575	10	of	of	ADP
afbr-2190	575	11	pantene	pantene	PROPN
afbr-2190	575	12	shampoo	shampoo	PROPN
afbr-2190	575	13	.	.	PUNCT
afbr-2190	576	1	indian	indian	PROPN
afbr-2190	576	2	journal	journal	PROPN
afbr-2190	576	3	of	of	ADP
afbr-2190	576	4	science	science	NOUN
afbr-2190	576	5	,	,	PUNCT
afbr-2190	576	6	23(88	23(88	NOUN
afbr-2190	576	7	)	)	PUNCT
afbr-2190	576	8	,	,	PUNCT
afbr-2190	576	9	910	910	NUM
afbr-2190	576	10	-	-	SYM
afbr-2190	576	11	923	923	NUM
afbr-2190	576	12	.	.	PUNCT
afbr-2190	576	13	retrieved	retrieve	VERB
afbr-2190	576	14	from	from	ADP
afbr-2190	576	15	https://discoveryjournals.org/science/current_issue/2016/a74.pdf	https://discoveryjournals.org/science/current_issue/2016/a74.pdf	PROPN
afbr-2190	576	16	islam	islam	PROPN
afbr-2190	576	17	,	,	PUNCT
afbr-2190	576	18	k.	k.	PROPN
afbr-2190	576	19	m.	m.	PROPN
afbr-2190	576	20	a.	a.	PROPN
afbr-2190	576	21	(	(	PUNCT
afbr-2190	576	22	2016i	2016i	NUM
afbr-2190	576	23	)	)	PUNCT
afbr-2190	576	24	.	.	PUNCT
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afbr-2190	577	2	development	development	NOUN
afbr-2190	577	3	scheme	scheme	NOUN
afbr-2190	577	4	:	:	PUNCT
afbr-2190	577	5	a	a	DET
afbr-2190	577	6	case	case	NOUN
afbr-2190	577	7	study	study	NOUN
afbr-2190	577	8	on	on	ADP
afbr-2190	577	9	islami	islami	PROPN
afbr-2190	577	10	bank	bank	PROPN
afbr-2190	577	11	bangladesh	bangladesh	PROPN
afbr-2190	577	12	limited	limit	VERB
afbr-2190	577	13	.	.	PUNCT
afbr-2190	578	1	international	international	ADJ
afbr-2190	578	2	journal	journal	PROPN
afbr-2190	578	3	of	of	ADP
afbr-2190	578	4	finance	finance	NOUN
afbr-2190	578	5	and	and	CCONJ
afbr-2190	578	6	banking	banking	NOUN
afbr-2190	578	7	research	research	NOUN
afbr-2190	578	8	,	,	PUNCT
afbr-2190	578	9	2(4	2(4	NUM
afbr-2190	578	10	)	)	PUNCT
afbr-2190	578	11	,	,	PUNCT
afbr-2190	578	12	129	129	NUM
afbr-2190	578	13	.	.	PUNCT
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afbr-2190	579	2	islam	islam	PROPN
afbr-2190	579	3	,	,	PUNCT
afbr-2190	579	4	k.	k.	PROPN
afbr-2190	579	5	m.	m.	PROPN
afbr-2190	579	6	a.	a.	PROPN
afbr-2190	579	7	,	,	PUNCT
afbr-2190	579	8	&	&	CCONJ
afbr-2190	579	9	salma	salma	PROPN
afbr-2190	579	10	,	,	PUNCT
afbr-2190	579	11	u.	u.	PROPN
afbr-2190	579	12	(	(	PUNCT
afbr-2190	579	13	2016a	2016a	NUM
afbr-2190	579	14	)	)	PUNCT
afbr-2190	579	15	.	.	PUNCT
afbr-2190	580	1	the	the	DET
afbr-2190	580	2	role	role	NOUN
afbr-2190	580	3	of	of	ADP
afbr-2190	580	4	private	private	ADJ
afbr-2190	580	5	universities	university	NOUN
afbr-2190	580	6	in	in	ADP
afbr-2190	580	7	higher	high	ADJ
afbr-2190	580	8	education	education	NOUN
afbr-2190	580	9	of	of	ADP
afbr-2190	580	10	bangladesh	bangladesh	NOUN
afbr-2190	580	11	:	:	PUNCT
afbr-2190	580	12	an	an	DET
afbr-2190	580	13	empirical	empirical	ADJ
afbr-2190	580	14	investigation	investigation	NOUN
afbr-2190	580	15	.	.	PUNCT
afbr-2190	581	1	international	international	ADJ
afbr-2190	581	2	journal	journal	PROPN
afbr-2190	581	3	of	of	ADP
afbr-2190	581	4	finance	finance	NOUN
afbr-2190	581	5	and	and	CCONJ
afbr-2190	581	6	banking	banking	NOUN
afbr-2190	581	7	research	research	NOUN
afbr-2190	581	8	,	,	PUNCT
afbr-2190	581	9	2(4	2(4	NUM
afbr-2190	581	10	)	)	PUNCT
afbr-2190	581	11	,	,	PUNCT
afbr-2190	581	12	121	121	NUM
afbr-2190	581	13	-	-	SYM
afbr-2190	581	14	128	128	NUM
afbr-2190	581	15	.	.	PUNCT
afbr-2190	582	1	https://doi.org/10.11648/j.ijfbr.20160204.11	https://doi.org/10.11648/j.ijfbr.20160204.11	PROPN
afbr-2190	582	2	islam	islam	PROPN
afbr-2190	582	3	,	,	PUNCT
afbr-2190	582	4	k.	k.	PROPN
afbr-2190	582	5	m.	m.	PROPN
afbr-2190	582	6	a.	a.	PROPN
afbr-2190	582	7	,	,	PUNCT
afbr-2190	582	8	&	&	CCONJ
afbr-2190	582	9	salma	salma	PROPN
afbr-2190	582	10	,	,	PUNCT
afbr-2190	582	11	u.	u.	PROPN
afbr-2190	582	12	(	(	PUNCT
afbr-2190	582	13	2016b	2016b	NUM
afbr-2190	582	14	)	)	PUNCT
afbr-2190	582	15	.	.	PUNCT
afbr-2190	583	1	mobile	mobile	ADJ
afbr-2190	583	2	banking	banking	NOUN
afbr-2190	583	3	operations	operation	NOUN
afbr-2190	583	4	and	and	CCONJ
afbr-2190	583	5	banking	banking	NOUN
afbr-2190	583	6	facilities	facility	NOUN
afbr-2190	583	7	to	to	PART
afbr-2190	583	8	rural	rural	ADJ
afbr-2190	583	9	people	people	NOUN
afbr-2190	583	10	in	in	ADP
afbr-2190	583	11	bangladesh	bangladesh	PROPN
afbr-2190	583	12	.	.	PUNCT
afbr-2190	584	1	international	international	ADJ
afbr-2190	584	2	journal	journal	PROPN
afbr-2190	584	3	of	of	ADP
afbr-2190	584	4	finance	finance	NOUN
afbr-2190	584	5	and	and	CCONJ
afbr-2190	584	6	banking	banking	NOUN
afbr-2190	584	7	research	research	NOUN
afbr-2190	584	8	,	,	PUNCT
afbr-2190	584	9	2(4	2(4	NUM
afbr-2190	584	10	)	)	PUNCT
afbr-2190	584	11	,	,	PUNCT
afbr-2190	584	12	147	147	NUM
afbr-2190	584	13	.	.	PUNCT
afbr-2190	585	1	https://doi.org/10.11648/j.ijfbr.20160204.14	https://doi.org/10.11648/j.ijfbr.20160204.14	PROPN
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afbr-2190	585	5	:	:	PUNCT
afbr-2190	585	6	void(0	void(0	NOUN
afbr-2190	585	7	)	)	PUNCT
afbr-2190	585	8	javascript	javascript	NOUN
afbr-2190	585	9	:	:	PUNCT
afbr-2190	585	10	void(0	void(0	NOUN
afbr-2190	585	11	)	)	PUNCT
afbr-2190	585	12	http://article.sciencepublishinggroup.com/html/10.11648.j.ijfbr.20150101.11.html	http://article.sciencepublishinggroup.com/html/10.11648.j.ijfbr.20150101.11.html	NOUN
afbr-2190	586	1	https://scholar.google.com/citations?view_op=view_citation&hl=en&user=qa6evbgaaaaj&cstart=20&pagesize=80&sortby=pubdate&citation_for_view=qa6evbgaaaaj:g3aelnc5_aqc	https://scholar.google.com/citations?view_op=view_citation&hl=en&user=qa6evbgaaaaj&cstart=20&pagesize=80&sortby=pubdate&citation_for_view=qa6evbgaaaaj:g3aelnc5_aqc	PROPN
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afbr-2190	586	4	,	,	PUNCT
afbr-2190	586	5	australian	australian	ADJ
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afbr-2190	586	7	&	&	CCONJ
afbr-2190	586	8	banking	banking	PROPN
afbr-2190	586	9	review	review	NOUN
afbr-2190	586	10	7(1	7(1	NUM
afbr-2190	586	11	)	)	PUNCT
afbr-2190	586	12	(	(	PUNCT
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afbr-2190	586	14	)	)	PUNCT
afbr-2190	586	15	,	,	PUNCT
afbr-2190	586	16	9	9	NUM
afbr-2190	586	17	-	-	SYM
afbr-2190	586	18	29	29	NUM
afbr-2190	586	19	26	26	NUM
afbr-2190	586	20	islam	islam	PROPN
afbr-2190	586	21	,	,	PUNCT
afbr-2190	586	22	k.	k.	PROPN
afbr-2190	586	23	m.	m.	PROPN
afbr-2190	586	24	a.	a.	PROPN
afbr-2190	586	25	,	,	PUNCT
afbr-2190	586	26	&	&	CCONJ
afbr-2190	586	27	salma	salma	PROPN
afbr-2190	586	28	,	,	PUNCT
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afbr-2190	586	32	)	)	PUNCT
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afbr-2190	587	1	the	the	DET
afbr-2190	587	2	renewable	renewable	ADJ
afbr-2190	587	3	energy	energy	NOUN
afbr-2190	587	4	and	and	CCONJ
afbr-2190	587	5	sustainable	sustainable	ADJ
afbr-2190	587	6	development	development	NOUN
afbr-2190	587	7	:	:	PUNCT
afbr-2190	587	8	a	a	DET
afbr-2190	587	9	case	case	NOUN
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afbr-2190	587	12	bangladesh	bangladesh	PROPN
afbr-2190	587	13	.	.	PUNCT
afbr-2190	588	1	international	international	ADJ
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afbr-2190	588	5	and	and	CCONJ
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afbr-2190	588	8	,	,	PUNCT
afbr-2190	588	9	2(4	2(4	NUM
afbr-2190	588	10	)	)	PUNCT
afbr-2190	588	11	,	,	PUNCT
afbr-2190	588	12	139	139	NUM
afbr-2190	588	13	-	-	SYM
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afbr-2190	588	15	.	.	PUNCT
afbr-2190	589	1	https://doi.org/10.11648/j.ijfbr.20160204.13	https://doi.org/10.11648/j.ijfbr.20160204.13	PROPN
afbr-2190	590	1	islam	islam	PROPN
afbr-2190	590	2	,	,	PUNCT
afbr-2190	590	3	k.	k.	PROPN
afbr-2190	590	4	m.	m.	PROPN
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afbr-2190	590	6	,	,	PUNCT
afbr-2190	590	7	&	&	CCONJ
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afbr-2190	590	9	,	,	PUNCT
afbr-2190	590	10	o.	o.	NOUN
afbr-2190	590	11	a.	a.	NOUN
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afbr-2190	591	1	human	human	ADJ
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afbr-2190	591	5	an	an	DET
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afbr-2190	591	7	perspective	perspective	NOUN
afbr-2190	591	8	.	.	PUNCT
afbr-2190	592	1	international	international	ADJ
afbr-2190	592	2	journal	journal	PROPN
afbr-2190	592	3	of	of	ADP
afbr-2190	592	4	islamic	islamic	PROPN
afbr-2190	592	5	business	business	PROPN
afbr-2190	592	6	&	&	CCONJ
afbr-2190	592	7	management	management	PROPN
afbr-2190	592	8	,	,	PUNCT
afbr-2190	592	9	1(1	1(1	NUM
afbr-2190	592	10	)	)	PUNCT
afbr-2190	592	11	,	,	PUNCT
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afbr-2190	592	13	-	-	SYM
afbr-2190	592	14	13	13	NUM
afbr-2190	592	15	.	.	PUNCT
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afbr-2190	593	3	,	,	PUNCT
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afbr-2190	593	7	,	,	PUNCT
afbr-2190	593	8	&	&	CCONJ
afbr-2190	593	9	barghouthi	barghouthi	VERB
afbr-2190	593	10	,	,	PUNCT
afbr-2190	593	11	o.	o.	NOUN
afbr-2190	593	12	a.	a.	NOUN
afbr-2190	593	13	(	(	PUNCT
afbr-2190	593	14	2017b	2017b	NUM
afbr-2190	593	15	)	)	PUNCT
afbr-2190	593	16	.	.	PUNCT
afbr-2190	594	1	corporate	corporate	ADJ
afbr-2190	594	2	governance	governance	NOUN
afbr-2190	594	3	:	:	PUNCT
afbr-2190	594	4	an	an	DET
afbr-2190	594	5	islamic	islamic	ADJ
afbr-2190	594	6	institution	institution	NOUN
afbr-2190	594	7	perspective	perspective	NOUN
afbr-2190	594	8	.	.	PUNCT
afbr-2190	595	1	international	international	ADJ
afbr-2190	595	2	journal	journal	PROPN
afbr-2190	595	3	of	of	ADP
afbr-2190	595	4	islamic	islamic	PROPN
afbr-2190	595	5	banking	banking	PROPN
afbr-2190	595	6	and	and	CCONJ
afbr-2190	595	7	finance	finance	NOUN
afbr-2190	595	8	research	research	NOUN
afbr-2190	595	9	,	,	PUNCT
afbr-2190	595	10	1(1	1(1	NUM
afbr-2190	595	11	)	)	PUNCT
afbr-2190	595	12	,	,	PUNCT
afbr-2190	595	13	29	29	NUM
afbr-2190	595	14	-	-	SYM
afbr-2190	595	15	32	32	NUM
afbr-2190	595	16	.	.	PUNCT
afbr-2190	596	1	https://doi.org/10.46281/ijibfr.v1i1.36	https://doi.org/10.46281/ijibfr.v1i1.36	PROPN
afbr-2190	596	2	islam	islam	PROPN
afbr-2190	596	3	,	,	PUNCT
afbr-2190	596	4	k.	k.	PROPN
afbr-2190	596	5	m.	m.	PROPN
afbr-2190	596	6	a.	a.	PROPN
afbr-2190	596	7	,	,	PUNCT
afbr-2190	596	8	&	&	CCONJ
afbr-2190	596	9	barghouthi	barghouthi	VERB
afbr-2190	596	10	,	,	PUNCT
afbr-2190	596	11	o.	o.	NOUN
afbr-2190	596	12	a.	a.	NOUN
afbr-2190	596	13	(	(	PUNCT
afbr-2190	596	14	2017c	2017c	NUM
afbr-2190	596	15	)	)	PUNCT
afbr-2190	596	16	.	.	PUNCT
afbr-2190	597	1	an	an	DET
afbr-2190	597	2	islamic	islamic	ADJ
afbr-2190	597	3	perspective	perspective	NOUN
afbr-2190	597	4	of	of	ADP
afbr-2190	597	5	marketing	marketing	NOUN
afbr-2190	597	6	.	.	PUNCT
afbr-2190	598	1	international	international	ADJ
afbr-2190	598	2	journal	journal	PROPN
afbr-2190	598	3	of	of	ADP
afbr-2190	598	4	islamic	islamic	PROPN
afbr-2190	598	5	business	business	PROPN
afbr-2190	598	6	&	&	CCONJ
afbr-2190	598	7	management	management	PROPN
afbr-2190	598	8	,	,	PUNCT
afbr-2190	598	9	1(1	1(1	NUM
afbr-2190	598	10	)	)	PUNCT
afbr-2190	598	11	,	,	PUNCT
afbr-2190	598	12	17	17	NUM
afbr-2190	598	13	-	-	SYM
afbr-2190	598	14	19	19	NUM
afbr-2190	598	15	.	.	PUNCT
afbr-2190	599	1	https://doi.org/10.46281/ijibm.v1i1.48	https://doi.org/10.46281/ijibm.v1i1.48	PROPN
afbr-2190	600	1	islam	islam	PROPN
afbr-2190	600	2	,	,	PUNCT
afbr-2190	600	3	k.	k.	PROPN
afbr-2190	600	4	m.	m.	PROPN
afbr-2190	600	5	a.	a.	PROPN
afbr-2190	600	6	,	,	PUNCT
afbr-2190	600	7	&	&	CCONJ
afbr-2190	600	8	karim	karim	PROPN
afbr-2190	600	9	miajee	miajee	PROPN
afbr-2190	600	10	,	,	PUNCT
afbr-2190	600	11	m.	m.	PROPN
afbr-2190	600	12	r.	r.	PROPN
afbr-2190	600	13	(	(	PUNCT
afbr-2190	600	14	2017d	2017d	NUM
afbr-2190	600	15	)	)	PUNCT
afbr-2190	600	16	.	.	PUNCT
afbr-2190	601	1	business	business	NOUN
afbr-2190	601	2	ethics	ethic	NOUN
afbr-2190	601	3	:	:	PUNCT
afbr-2190	601	4	an	an	DET
afbr-2190	601	5	islamic	islamic	ADJ
afbr-2190	601	6	perspective	perspective	NOUN
afbr-2190	601	7	.	.	PUNCT
afbr-2190	602	1	international	international	ADJ
afbr-2190	602	2	journal	journal	PROPN
afbr-2190	602	3	of	of	ADP
afbr-2190	602	4	islamic	islamic	PROPN
afbr-2190	602	5	business	business	PROPN
afbr-2190	602	6	&	&	CCONJ
afbr-2190	602	7	management	management	PROPN
afbr-2190	602	8	,	,	PUNCT
afbr-2190	602	9	1(1	1(1	NUM
afbr-2190	602	10	)	)	PUNCT
afbr-2190	602	11	,	,	PUNCT
afbr-2190	602	12	7	7	NUM
afbr-2190	602	13	-	-	SYM
afbr-2190	602	14	9	9	NUM
afbr-2190	602	15	.	.	PUNCT
afbr-2190	603	1	https://doi.org/10.46281/ijibm.v1i1.45	https://doi.org/10.46281/ijibm.v1i1.45	PROPN
afbr-2190	603	2	islam	islam	PROPN
afbr-2190	603	3	,	,	PUNCT
afbr-2190	603	4	k.	k.	PROPN
afbr-2190	603	5	m.	m.	PROPN
afbr-2190	603	6	a.	a.	PROPN
afbr-2190	603	7	,	,	PUNCT
afbr-2190	603	8	&	&	CCONJ
afbr-2190	603	9	barghouthi	barghouthi	VERB
afbr-2190	603	10	,	,	PUNCT
afbr-2190	603	11	o.	o.	NOUN
afbr-2190	603	12	a.	a.	NOUN
afbr-2190	603	13	(	(	PUNCT
afbr-2190	603	14	2017e	2017e	NUM
afbr-2190	603	15	)	)	PUNCT
afbr-2190	603	16	.	.	PUNCT
afbr-2190	604	1	risk	risk	NOUN
afbr-2190	604	2	management	management	NOUN
afbr-2190	604	3	of	of	ADP
afbr-2190	604	4	islamic	islamic	ADJ
afbr-2190	604	5	banking	banking	NOUN
afbr-2190	604	6	:	:	PUNCT
afbr-2190	604	7	an	an	DET
afbr-2190	604	8	islamic	islamic	ADJ
afbr-2190	604	9	perspective	perspective	NOUN
afbr-2190	604	10	.	.	PUNCT
afbr-2190	605	1	international	international	ADJ
afbr-2190	605	2	journal	journal	PROPN
afbr-2190	605	3	of	of	ADP
afbr-2190	605	4	islamic	islamic	PROPN
afbr-2190	605	5	banking	banking	PROPN
afbr-2190	605	6	and	and	CCONJ
afbr-2190	605	7	finance	finance	NOUN
afbr-2190	605	8	research	research	NOUN
afbr-2190	605	9	,	,	PUNCT
afbr-2190	605	10	1(1	1(1	NUM
afbr-2190	605	11	)	)	PUNCT
afbr-2190	605	12	,	,	PUNCT
afbr-2190	605	13	25	25	NUM
afbr-2190	605	14	-	-	SYM
afbr-2190	605	15	28	28	NUM
afbr-2190	605	16	.	.	PUNCT
afbr-2190	606	1	https://doi.org/10.46281/ijibfr.v1i1.35	https://doi.org/10.46281/ijibfr.v1i1.35	PROPN
afbr-2190	606	2	islam	islam	PROPN
afbr-2190	606	3	,	,	PUNCT
afbr-2190	606	4	k.	k.	PROPN
afbr-2190	606	5	m.	m.	PROPN
afbr-2190	606	6	a.	a.	PROPN
afbr-2190	606	7	,	,	PUNCT
afbr-2190	606	8	&	&	CCONJ
afbr-2190	606	9	karim	karim	PROPN
afbr-2190	606	10	miajee	miajee	PROPN
afbr-2190	606	11	,	,	PUNCT
afbr-2190	606	12	m.	m.	PROPN
afbr-2190	606	13	r.	r.	PROPN
afbr-2190	606	14	(	(	PUNCT
afbr-2190	606	15	2017	2017	NUM
afbr-2190	606	16	)	)	PUNCT
afbr-2190	606	17	.	.	PUNCT
afbr-2190	607	1	an	an	DET
afbr-2190	607	2	islamic	islamic	ADJ
afbr-2190	607	3	perspective	perspective	NOUN
afbr-2190	607	4	of	of	ADP
afbr-2190	607	5	leadership	leadership	NOUN
afbr-2190	607	6	.	.	PUNCT
afbr-2190	608	1	international	international	ADJ
afbr-2190	608	2	journal	journal	PROPN
afbr-2190	608	3	of	of	ADP
afbr-2190	608	4	islamic	islamic	PROPN
afbr-2190	608	5	business	business	PROPN
afbr-2190	608	6	&	&	CCONJ
afbr-2190	608	7	management	management	PROPN
afbr-2190	608	8	,	,	PUNCT
afbr-2190	608	9	1(1	1(1	NUM
afbr-2190	608	10	)	)	PUNCT
afbr-2190	608	11	,	,	PUNCT
afbr-2190	608	12	14	14	NUM
afbr-2190	608	13	-	-	SYM
afbr-2190	608	14	16	16	NUM
afbr-2190	608	15	.	.	PUNCT
afbr-2190	609	1	https://doi.org/10.46281/ijibm.v1i1.47	https://doi.org/10.46281/ijibm.v1i1.47	PROPN
afbr-2190	609	2	islam	islam	PROPN
afbr-2190	609	3	,	,	PUNCT
afbr-2190	609	4	k.	k.	PROPN
afbr-2190	609	5	m.	m.	PROPN
afbr-2190	609	6	a.	a.	PROPN
afbr-2190	609	7	(	(	PUNCT
afbr-2190	609	8	2017a	2017a	NUM
afbr-2190	609	9	)	)	PUNCT
afbr-2190	609	10	.	.	PUNCT
afbr-2190	610	1	an	an	DET
afbr-2190	610	2	empirical	empirical	ADJ
afbr-2190	610	3	research	research	NOUN
afbr-2190	610	4	on	on	ADP
afbr-2190	610	5	beximco	beximco	PROPN
afbr-2190	610	6	knitting	knitting	PROPN
afbr-2190	610	7	ltd	ltd	PROPN
afbr-2190	610	8	:	:	PUNCT
afbr-2190	610	9	ratio	ratio	NOUN
afbr-2190	610	10	,	,	PUNCT
afbr-2190	610	11	dupont	dupont	NOUN
afbr-2190	610	12	,	,	PUNCT
afbr-2190	610	13	valuation	valuation	NOUN
afbr-2190	610	14	and	and	CCONJ
afbr-2190	610	15	pro	pro	ADJ
afbr-2190	610	16	-	-	ADJ
afbr-2190	610	17	forma	forma	ADJ
afbr-2190	610	18	analysis	analysis	NOUN
afbr-2190	610	19	.	.	PUNCT
afbr-2190	611	1	indian	indian	ADJ
afbr-2190	611	2	journal	journal	PROPN
afbr-2190	611	3	of	of	ADP
afbr-2190	611	4	finance	finance	NOUN
afbr-2190	611	5	and	and	CCONJ
afbr-2190	611	6	banking	banking	NOUN
afbr-2190	611	7	,	,	PUNCT
afbr-2190	611	8	1(1	1(1	NUM
afbr-2190	611	9	)	)	PUNCT
afbr-2190	611	10	,	,	PUNCT
afbr-2190	611	11	1	1	NUM
afbr-2190	611	12	-	-	SYM
afbr-2190	611	13	7	7	NUM
afbr-2190	611	14	.	.	PUNCT
afbr-2190	612	1	https://doi.org/10.46281/ijfb.v1i1.80	https://doi.org/10.46281/ijfb.v1i1.80	PROPN
afbr-2190	612	2	islam	islam	PROPN
afbr-2190	612	3	,	,	PUNCT
afbr-2190	612	4	k.	k.	PROPN
afbr-2190	612	5	m.	m.	PROPN
afbr-2190	612	6	a.	a.	PROPN
afbr-2190	612	7	(	(	PUNCT
afbr-2190	612	8	2017b	2017b	NUM
afbr-2190	612	9	)	)	PUNCT
afbr-2190	612	10	.	.	PUNCT
afbr-2190	613	1	finance	finance	NOUN
afbr-2190	613	2	:	:	PUNCT
afbr-2190	613	3	an	an	DET
afbr-2190	613	4	islamic	islamic	ADJ
afbr-2190	613	5	perspective	perspective	NOUN
afbr-2190	613	6	.	.	PUNCT
afbr-2190	614	1	international	international	ADJ
afbr-2190	614	2	journal	journal	PROPN
afbr-2190	614	3	of	of	ADP
afbr-2190	614	4	islamic	islamic	PROPN
afbr-2190	614	5	banking	banking	PROPN
afbr-2190	614	6	and	and	CCONJ
afbr-2190	614	7	finance	finance	NOUN
afbr-2190	614	8	research	research	NOUN
afbr-2190	614	9	,	,	PUNCT
afbr-2190	614	10	1(1	1(1	NUM
afbr-2190	614	11	)	)	PUNCT
afbr-2190	614	12	,	,	PUNCT
afbr-2190	614	13	1	1	NUM
afbr-2190	614	14	-	-	SYM
afbr-2190	614	15	5	5	NUM
afbr-2190	614	16	.	.	PUNCT
afbr-2190	614	17	https://doi.org/10.46281/ijibfr.v1i1.32	https://doi.org/10.46281/ijibfr.v1i1.32	PROPN
afbr-2190	615	1	islam	islam	PROPN
afbr-2190	615	2	,	,	PUNCT
afbr-2190	615	3	k.	k.	PROPN
afbr-2190	615	4	m.	m.	PROPN
afbr-2190	615	5	a.	a.	PROPN
afbr-2190	615	6	(	(	PUNCT
afbr-2190	615	7	2017c	2017c	NUM
afbr-2190	615	8	)	)	PUNCT
afbr-2190	615	9	.	.	PUNCT
afbr-2190	616	1	an	an	DET
afbr-2190	616	2	empirical	empirical	ADJ
afbr-2190	616	3	research	research	NOUN
afbr-2190	616	4	on	on	ADP
afbr-2190	616	5	fu	fu	PROPN
afbr-2190	616	6	-	-	PUNCT
afbr-2190	616	7	wang	wang	PROPN
afbr-2190	616	8	foods	foods	PROPN
afbr-2190	616	9	ltd	ltd	PROPN
afbr-2190	616	10	:	:	PUNCT
afbr-2190	616	11	industry	industry	NOUN
afbr-2190	616	12	,	,	PUNCT
afbr-2190	616	13	strategy	strategy	NOUN
afbr-2190	616	14	,	,	PUNCT
afbr-2190	616	15	accounting	accounting	NOUN
afbr-2190	616	16	,	,	PUNCT
afbr-2190	616	17	ratio	ratio	NOUN
afbr-2190	616	18	,	,	PUNCT
afbr-2190	616	19	valuation	valuation	NOUN
afbr-2190	616	20	and	and	CCONJ
afbr-2190	616	21	proforma	proforma	NOUN
afbr-2190	616	22	analysis	analysis	NOUN
afbr-2190	616	23	.	.	PUNCT
afbr-2190	617	1	american	american	PROPN
afbr-2190	617	2	finance	finance	PROPN
afbr-2190	617	3	&	&	CCONJ
afbr-2190	617	4	banking	banking	PROPN
afbr-2190	617	5	review	review	PROPN
afbr-2190	617	6	,	,	PUNCT
afbr-2190	617	7	1(1	1(1	NUM
afbr-2190	617	8	)	)	PUNCT
afbr-2190	617	9	,	,	PUNCT
afbr-2190	617	10	1	1	NUM
afbr-2190	617	11	-	-	SYM
afbr-2190	617	12	11	11	NUM
afbr-2190	617	13	.	.	PUNCT
afbr-2190	618	1	https://doi.org/10.46281/amfbr.v1i1.79	https://doi.org/10.46281/amfbr.v1i1.79	PROPN
afbr-2190	618	2	islam	islam	PROPN
afbr-2190	618	3	,	,	PUNCT
afbr-2190	618	4	k.	k.	PROPN
afbr-2190	618	5	m.	m.	PROPN
afbr-2190	618	6	a.	a.	PROPN
afbr-2190	618	7	(	(	PUNCT
afbr-2190	618	8	2017d	2017d	NUM
afbr-2190	618	9	)	)	PUNCT
afbr-2190	618	10	.	.	PUNCT
afbr-2190	619	1	predicament	predicament	NOUN
afbr-2190	619	2	and	and	CCONJ
afbr-2190	619	3	thought	think	VERB
afbr-2190	619	4	of	of	ADP
afbr-2190	619	5	smes	sme	NOUN
afbr-2190	619	6	financing	financing	NOUN
afbr-2190	619	7	in	in	ADP
afbr-2190	619	8	bangladesh	bangladesh	NOUN
afbr-2190	619	9	:	:	PUNCT
afbr-2190	619	10	an	an	DET
afbr-2190	619	11	exploratory	exploratory	ADJ
afbr-2190	619	12	research	research	NOUN
afbr-2190	619	13	.	.	PUNCT
afbr-2190	620	1	indian	indian	ADJ
afbr-2190	620	2	journal	journal	PROPN
afbr-2190	620	3	of	of	ADP
afbr-2190	620	4	arts	art	NOUN
afbr-2190	620	5	,	,	PUNCT
afbr-2190	620	6	7(22	7(22	NUM
afbr-2190	620	7	)	)	PUNCT
afbr-2190	620	8	,	,	PUNCT
afbr-2190	620	9	146-151.retrieved	146-151.retrieved	NUM
afbr-2190	620	10	from	from	ADP
afbr-2190	620	11	https://discoveryjournals.org/arts/current_issue/2017/a17.pdf	https://discoveryjournals.org/arts/current_issue/2017/a17.pdf	PROPN
afbr-2190	620	12	islam	islam	PROPN
afbr-2190	620	13	,	,	PUNCT
afbr-2190	620	14	k.	k.	PROPN
afbr-2190	620	15	m.	m.	PROPN
afbr-2190	620	16	a.	a.	PROPN
afbr-2190	620	17	(	(	PUNCT
afbr-2190	620	18	2017e	2017e	NUM
afbr-2190	620	19	)	)	PUNCT
afbr-2190	620	20	.	.	PUNCT
afbr-2190	621	1	the	the	DET
afbr-2190	621	2	regulatory	regulatory	ADJ
afbr-2190	621	3	framework	framework	NOUN
afbr-2190	621	4	of	of	ADP
afbr-2190	621	5	e	e	NOUN
afbr-2190	621	6	-	-	NOUN
afbr-2190	621	7	commerce	commerce	NOUN
afbr-2190	621	8	.	.	PUNCT
afbr-2190	622	1	asian	asian	PROPN
afbr-2190	622	2	finance	finance	PROPN
afbr-2190	622	3	&	&	CCONJ
afbr-2190	622	4	banking	banking	PROPN
afbr-2190	622	5	review	review	PROPN
afbr-2190	622	6	,	,	PUNCT
afbr-2190	622	7	1(1	1(1	NUM
afbr-2190	622	8	)	)	PUNCT
afbr-2190	622	9	,	,	PUNCT
afbr-2190	622	10	64	64	NUM
afbr-2190	622	11	-	-	SYM
afbr-2190	622	12	75	75	NUM
afbr-2190	622	13	.	.	PUNCT
afbr-2190	623	1	https://doi.org/10.46281/asfbr.v1i1.1233	https://doi.org/10.46281/asfbr.v1i1.1233	PROPN
afbr-2190	623	2	islam	islam	PROPN
afbr-2190	623	3	,	,	PUNCT
afbr-2190	623	4	k.	k.	PROPN
afbr-2190	623	5	m.	m.	PROPN
afbr-2190	623	6	a.	a.	PROPN
afbr-2190	623	7	(	(	PUNCT
afbr-2190	623	8	2017f	2017f	NUM
afbr-2190	623	9	)	)	PUNCT
afbr-2190	623	10	.	.	PUNCT
afbr-2190	624	1	development	development	NOUN
afbr-2190	624	2	of	of	ADP
afbr-2190	624	3	bangladesh	bangladesh	PROPN
afbr-2190	624	4	through	through	ADP
afbr-2190	624	5	smes	sme	NOUN
afbr-2190	624	6	financing	financing	NOUN
afbr-2190	624	7	:	:	PUNCT
afbr-2190	624	8	a	a	DET
afbr-2190	624	9	case	case	NOUN
afbr-2190	624	10	study	study	NOUN
afbr-2190	624	11	on	on	ADP
afbr-2190	624	12	idlc	idlc	NOUN
afbr-2190	624	13	finance	finance	NOUN
afbr-2190	624	14	limited	limit	VERB
afbr-2190	624	15	.	.	PUNCT
afbr-2190	625	1	australian	australian	ADJ
afbr-2190	625	2	finance	finance	NOUN
afbr-2190	625	3	&	&	CCONJ
afbr-2190	625	4	banking	banking	PROPN
afbr-2190	625	5	review	review	PROPN
afbr-2190	625	6	,	,	PUNCT
afbr-2190	625	7	1(1	1(1	NUM
afbr-2190	625	8	)	)	PUNCT
afbr-2190	625	9	,	,	PUNCT
afbr-2190	625	10	78	78	NUM
afbr-2190	625	11	-	-	SYM
afbr-2190	625	12	90	90	NUM
afbr-2190	625	13	.	.	PUNCT
afbr-2190	626	1	https://doi.org/10.46281/afbr.v1i1.1237	https://doi.org/10.46281/afbr.v1i1.1237	PROPN
afbr-2190	626	2	islam	islam	PROPN
afbr-2190	626	3	,	,	PUNCT
afbr-2190	626	4	k.	k.	PROPN
afbr-2190	626	5	m.	m.	PROPN
afbr-2190	626	6	a.	a.	PROPN
afbr-2190	626	7	(	(	PUNCT
afbr-2190	626	8	2017	2017	NUM
afbr-2190	626	9	g	g	NOUN
afbr-2190	626	10	)	)	PUNCT
afbr-2190	626	11	.	.	PUNCT
afbr-2190	627	1	performance	performance	NOUN
afbr-2190	627	2	of	of	ADP
afbr-2190	627	3	foreign	foreign	ADJ
afbr-2190	627	4	exchange	exchange	NOUN
afbr-2190	627	5	operation	operation	NOUN
afbr-2190	627	6	of	of	ADP
afbr-2190	627	7	private	private	ADJ
afbr-2190	627	8	commercial	commercial	ADJ
afbr-2190	627	9	banks	bank	NOUN
afbr-2190	627	10	:	:	PUNCT
afbr-2190	627	11	a	a	DET
afbr-2190	627	12	case	case	NOUN
afbr-2190	627	13	on	on	ADP
afbr-2190	627	14	southeast	southeast	PROPN
afbr-2190	627	15	bank	bank	PROPN
afbr-2190	627	16	limited	limit	VERB
afbr-2190	627	17	.	.	PUNCT
afbr-2190	628	1	asian	asian	ADJ
afbr-2190	628	2	finance	finance	PROPN
afbr-2190	628	3	&	&	CCONJ
afbr-2190	628	4	banking	banking	PROPN
afbr-2190	628	5	review	review	PROPN
afbr-2190	628	6	,	,	PUNCT
afbr-2190	628	7	1(1	1(1	NUM
afbr-2190	628	8	)	)	PUNCT
afbr-2190	628	9	,	,	PUNCT
afbr-2190	628	10	76	76	NUM
afbr-2190	628	11	-	-	SYM
afbr-2190	628	12	82	82	NUM
afbr-2190	628	13	.	.	PUNCT
afbr-2190	629	1	https://doi.org/10.46281/asfbr.v1i1.1246	https://doi.org/10.46281/asfbr.v1i1.1246	PROPN
afbr-2190	629	2	islam	islam	PROPN
afbr-2190	629	3	,	,	PUNCT
afbr-2190	629	4	k.	k.	PROPN
afbr-2190	629	5	m.	m.	PROPN
afbr-2190	629	6	a.	a.	PROPN
afbr-2190	629	7	(	(	PUNCT
afbr-2190	629	8	2017i	2017i	NUM
afbr-2190	629	9	)	)	PUNCT
afbr-2190	629	10	.	.	PUNCT
afbr-2190	630	1	an	an	DET
afbr-2190	630	2	empirical	empirical	ADJ
afbr-2190	630	3	research	research	NOUN
afbr-2190	630	4	on	on	ADP
afbr-2190	630	5	shinepukur	shinepukur	PROPN
afbr-2190	630	6	holdings	holdings	PROPN
afbr-2190	630	7	ltd	ltd	PROPN
afbr-2190	630	8	:	:	PUNCT
afbr-2190	630	9	strategy	strategy	NOUN
afbr-2190	630	10	,	,	PUNCT
afbr-2190	630	11	accounting	accounting	NOUN
afbr-2190	630	12	,	,	PUNCT
afbr-2190	630	13	ratio	ratio	NOUN
afbr-2190	630	14	,	,	PUNCT
afbr-2190	630	15	sensitivity	sensitivity	NOUN
afbr-2190	630	16	and	and	CCONJ
afbr-2190	630	17	prospective	prospective	ADJ
afbr-2190	630	18	analysis	analysis	NOUN
afbr-2190	630	19	.	.	PUNCT
afbr-2190	631	1	asian	asian	ADJ
afbr-2190	631	2	finance	finance	PROPN
afbr-2190	631	3	&	&	CCONJ
afbr-2190	631	4	banking	banking	PROPN
afbr-2190	631	5	review	review	PROPN
afbr-2190	631	6	,	,	PUNCT
afbr-2190	631	7	1(1	1(1	NUM
afbr-2190	631	8	)	)	PUNCT
afbr-2190	631	9	,	,	PUNCT
afbr-2190	631	10	83	83	NUM
afbr-2190	631	11	-	-	SYM
afbr-2190	631	12	92	92	NUM
afbr-2190	631	13	.	.	PUNCT
afbr-2190	632	1	https://doi.org/10.46281/asfbr.v1i1.1249	https://doi.org/10.46281/asfbr.v1i1.1249	PROPN
afbr-2190	632	2	islam	islam	PROPN
afbr-2190	632	3	,	,	PUNCT
afbr-2190	632	4	k.	k.	PROPN
afbr-2190	632	5	m.	m.	PROPN
afbr-2190	632	6	a.	a.	PROPN
afbr-2190	632	7	(	(	PUNCT
afbr-2190	632	8	2017j	2017j	NUM
afbr-2190	632	9	)	)	PUNCT
afbr-2190	632	10	.	.	PUNCT
afbr-2190	633	1	financial	financial	ADJ
afbr-2190	633	2	statement	statement	NOUN
afbr-2190	633	3	analysis	analysis	NOUN
afbr-2190	633	4	of	of	ADP
afbr-2190	633	5	beximco	beximco	ADJ
afbr-2190	633	6	synthetics	synthetic	NOUN
afbr-2190	633	7	limited	limited	ADJ
afbr-2190	633	8	.	.	PUNCT
afbr-2190	634	1	asian	asian	ADJ
afbr-2190	634	2	finance	finance	PROPN
afbr-2190	634	3	&	&	CCONJ
afbr-2190	634	4	banking	banking	PROPN
afbr-2190	634	5	review	review	PROPN
afbr-2190	634	6	,	,	PUNCT
afbr-2190	634	7	1(1	1(1	NUM
afbr-2190	634	8	)	)	PUNCT
afbr-2190	634	9	,	,	PUNCT
afbr-2190	634	10	93	93	NUM
afbr-2190	634	11	-	-	SYM
afbr-2190	634	12	100	100	NUM
afbr-2190	634	13	.	.	PUNCT
afbr-2190	635	1	https://doi.org/10.46281/asfbr.v1i1.1250	https://doi.org/10.46281/asfbr.v1i1.1250	PROPN
afbr-2190	635	2	islam	islam	PROPN
afbr-2190	635	3	,	,	PUNCT
afbr-2190	635	4	k.	k.	PROPN
afbr-2190	635	5	m.	m.	PROPN
afbr-2190	635	6	a.	a.	PROPN
afbr-2190	635	7	,	,	PUNCT
afbr-2190	635	8	&	&	CCONJ
afbr-2190	635	9	miajee	miajee	PROPN
afbr-2190	635	10	,	,	PUNCT
afbr-2190	635	11	m.	m.	PROPN
afbr-2190	635	12	r.	r.	PROPN
afbr-2190	635	13	k.	k.	PROPN
afbr-2190	635	14	(	(	PUNCT
afbr-2190	635	15	2018a	2018a	NUM
afbr-2190	635	16	)	)	PUNCT
afbr-2190	635	17	.	.	PUNCT
afbr-2190	636	1	small	small	ADJ
afbr-2190	636	2	and	and	CCONJ
afbr-2190	636	3	medium	medium	ADJ
afbr-2190	636	4	enterprises	enterprise	NOUN
afbr-2190	636	5	(	(	PUNCT
afbr-2190	636	6	smes	sme	NOUN
afbr-2190	636	7	)	)	PUNCT
afbr-2190	636	8	financing	financing	NOUN
afbr-2190	636	9	in	in	ADP
afbr-2190	636	10	bangladesh	bangladesh	NOUN
afbr-2190	636	11	:	:	PUNCT
afbr-2190	636	12	a	a	DET
afbr-2190	636	13	review	review	NOUN
afbr-2190	636	14	of	of	ADP
afbr-2190	636	15	literature	literature	NOUN
afbr-2190	636	16	.	.	PUNCT
afbr-2190	637	1	international	international	ADJ
afbr-2190	637	2	journal	journal	PROPN
afbr-2190	637	3	of	of	ADP
afbr-2190	637	4	small	small	ADJ
afbr-2190	637	5	and	and	CCONJ
afbr-2190	637	6	medium	medium	ADJ
afbr-2190	637	7	enterprises	enterprise	NOUN
afbr-2190	637	8	,	,	PUNCT
afbr-2190	637	9	1(1	1(1	NUM
afbr-2190	637	10	)	)	PUNCT
afbr-2190	637	11	,	,	PUNCT
afbr-2190	637	12	11	11	NUM
afbr-2190	637	13	-	-	SYM
afbr-2190	637	14	15	15	NUM
afbr-2190	637	15	.	.	PUNCT
afbr-2190	638	1	https://doi.org/10.46281/ijsmes.v1i1.62	https://doi.org/10.46281/ijsmes.v1i1.62	PROPN
afbr-2190	638	2	islam	islam	PROPN
afbr-2190	638	3	,	,	PUNCT
afbr-2190	638	4	k.	k.	PROPN
afbr-2190	638	5	m.	m.	PROPN
afbr-2190	638	6	a.	a.	PROPN
afbr-2190	638	7	,	,	PUNCT
afbr-2190	638	8	&	&	CCONJ
afbr-2190	638	9	karim	karim	PROPN
afbr-2190	638	10	miajee	miajee	PROPN
afbr-2190	638	11	,	,	PUNCT
afbr-2190	638	12	m.	m.	PROPN
afbr-2190	638	13	r.	r.	PROPN
afbr-2190	638	14	(	(	PUNCT
afbr-2190	638	15	2018b	2018b	NUM
afbr-2190	638	16	)	)	PUNCT
afbr-2190	638	17	.	.	PUNCT
afbr-2190	639	1	exploring	explore	VERB
afbr-2190	639	2	e	e	NOUN
afbr-2190	639	3	-	-	NOUN
afbr-2190	639	4	business	business	NOUN
afbr-2190	639	5	in	in	ADP
afbr-2190	639	6	smes	sme	NOUN
afbr-2190	639	7	.	.	PUNCT
afbr-2190	640	1	international	international	ADJ
afbr-2190	640	2	journal	journal	PROPN
afbr-2190	640	3	of	of	ADP
afbr-2190	640	4	small	small	ADJ
afbr-2190	640	5	and	and	CCONJ
afbr-2190	640	6	medium	medium	ADJ
afbr-2190	640	7	enterprises	enterprise	NOUN
afbr-2190	640	8	,	,	PUNCT
afbr-2190	640	9	1(1	1(1	NUM
afbr-2190	640	10	)	)	PUNCT
afbr-2190	640	11	,	,	PUNCT
afbr-2190	640	12	16	16	NUM
afbr-2190	640	13	-	-	SYM
afbr-2190	640	14	18	18	NUM
afbr-2190	640	15	.	.	PUNCT
afbr-2190	640	16	https://doi.org/10.46281/ijsmes.v1i1.63	https://doi.org/10.46281/ijsmes.v1i1.63	PROPN
afbr-2190	641	1	islam	islam	PROPN
afbr-2190	641	2	,	,	PUNCT
afbr-2190	641	3	k.	k.	PROPN
afbr-2190	641	4	m.	m.	PROPN
afbr-2190	641	5	a.	a.	PROPN
afbr-2190	641	6	,	,	PUNCT
afbr-2190	641	7	&	&	CCONJ
afbr-2190	641	8	barghouthi	barghouthi	VERB
afbr-2190	641	9	,	,	PUNCT
afbr-2190	641	10	o.	o.	NOUN
afbr-2190	641	11	a.	a.	NOUN
afbr-2190	641	12	(	(	PUNCT
afbr-2190	641	13	2018a	2018a	NUM
afbr-2190	641	14	)	)	PUNCT
afbr-2190	641	15	.	.	PUNCT
afbr-2190	642	1	to	to	ADP
afbr-2190	642	2	what	what	DET
afbr-2190	642	3	extent	extent	NOUN
afbr-2190	642	4	do	do	AUX
afbr-2190	642	5	the	the	DET
afbr-2190	642	6	investment	investment	NOUN
afbr-2190	642	7	programs	program	NOUN
afbr-2190	642	8	in	in	ADP
afbr-2190	642	9	the	the	DET
afbr-2190	642	10	infrastructure	infrastructure	NOUN
afbr-2190	642	11	sector	sector	NOUN
afbr-2190	642	12	comply	comply	VERB
afbr-2190	642	13	with	with	ADP
afbr-2190	642	14	the	the	DET
afbr-2190	642	15	determinants	determinant	NOUN
afbr-2190	642	16	of	of	ADP
afbr-2190	642	17	national	national	ADJ
afbr-2190	642	18	competitive	competitive	ADJ
afbr-2190	642	19	advantage	advantage	NOUN
afbr-2190	642	20	?	?	PUNCT
afbr-2190	642	21	.	.	PUNCT
afbr-2190	643	1	international	international	ADJ
afbr-2190	643	2	journal	journal	PROPN
afbr-2190	643	3	of	of	ADP
afbr-2190	643	4	small	small	ADJ
afbr-2190	643	5	and	and	CCONJ
afbr-2190	643	6	medium	medium	ADJ
afbr-2190	643	7	enterprises	enterprise	NOUN
afbr-2190	643	8	,	,	PUNCT
afbr-2190	643	9	1(1	1(1	NUM
afbr-2190	643	10	)	)	PUNCT
afbr-2190	643	11	,	,	PUNCT
afbr-2190	643	12	6	6	NUM
afbr-2190	643	13	-	-	SYM
afbr-2190	643	14	10	10	NUM
afbr-2190	643	15	.	.	PUNCT
afbr-2190	644	1	https://doi.org/10.46281/ijsmes.v1i1.61	https://doi.org/10.46281/ijsmes.v1i1.61	PROPN
afbr-2190	644	2	islam	islam	PROPN
afbr-2190	644	3	,	,	PUNCT
afbr-2190	644	4	k.	k.	PROPN
afbr-2190	644	5	m.	m.	PROPN
afbr-2190	644	6	a.	a.	PROPN
afbr-2190	644	7	,	,	PUNCT
afbr-2190	644	8	&	&	CCONJ
afbr-2190	644	9	barghouthi	barghouthi	VERB
afbr-2190	644	10	,	,	PUNCT
afbr-2190	644	11	o.	o.	NOUN
afbr-2190	644	12	a.	a.	NOUN
afbr-2190	644	13	(	(	PUNCT
afbr-2190	644	14	2018b	2018b	NUM
afbr-2190	644	15	)	)	PUNCT
afbr-2190	644	16	.	.	PUNCT
afbr-2190	645	1	to	to	ADP
afbr-2190	645	2	what	what	DET
afbr-2190	645	3	extent	extent	NOUN
afbr-2190	645	4	do	do	AUX
afbr-2190	645	5	the	the	DET
afbr-2190	645	6	investment	investment	NOUN
afbr-2190	645	7	programs	program	NOUN
afbr-2190	645	8	in	in	ADP
afbr-2190	645	9	the	the	DET
afbr-2190	645	10	small	small	ADJ
afbr-2190	645	11	and	and	CCONJ
afbr-2190	645	12	medium	medium	ADJ
afbr-2190	645	13	enterprises	enterprise	NOUN
afbr-2190	645	14	sector	sector	NOUN
afbr-2190	645	15	comply	comply	VERB
afbr-2190	645	16	with	with	ADP
afbr-2190	645	17	the	the	DET
afbr-2190	645	18	determinants	determinant	NOUN
afbr-2190	645	19	of	of	ADP
afbr-2190	645	20	national	national	ADJ
afbr-2190	645	21	competitive	competitive	ADJ
afbr-2190	645	22	advantage	advantage	NOUN
afbr-2190	645	23	?	?	PUNCT
afbr-2190	645	24	.	.	PUNCT
afbr-2190	646	1	international	international	ADJ
afbr-2190	646	2	journal	journal	PROPN
afbr-2190	646	3	of	of	ADP
afbr-2190	646	4	small	small	ADJ
afbr-2190	646	5	and	and	CCONJ
afbr-2190	646	6	medium	medium	ADJ
afbr-2190	646	7	enterprises	enterprise	NOUN
afbr-2190	646	8	,	,	PUNCT
afbr-2190	646	9	1(1	1(1	NUM
afbr-2190	646	10	)	)	PUNCT
afbr-2190	646	11	,	,	PUNCT
afbr-2190	646	12	1	1	NUM
afbr-2190	646	13	-	-	SYM
afbr-2190	646	14	5	5	NUM
afbr-2190	646	15	.	.	PUNCT
afbr-2190	647	1	https://doi.org/10.46281/ijsmes.v1i1.60	https://doi.org/10.46281/ijsmes.v1i1.60	PROPN
afbr-2190	647	2	islam	islam	PROPN
afbr-2190	647	3	,	,	PUNCT
afbr-2190	647	4	k.	k.	PROPN
afbr-2190	647	5	m.	m.	PROPN
afbr-2190	647	6	a.	a.	PROPN
afbr-2190	647	7	,	,	PUNCT
afbr-2190	647	8	&	&	CCONJ
afbr-2190	647	9	bhuiyan	bhuiyan	PROPN
afbr-2190	647	10	,	,	PUNCT
afbr-2190	647	11	a.	a.	PROPN
afbr-2190	647	12	b.	b.	PROPN
afbr-2190	647	13	(	(	PUNCT
afbr-2190	647	14	2019	2019	NUM
afbr-2190	647	15	)	)	PUNCT
afbr-2190	647	16	.	.	PUNCT
afbr-2190	648	1	the	the	DET
afbr-2190	648	2	theoretical	theoretical	ADJ
afbr-2190	648	3	linkages	linkage	NOUN
afbr-2190	648	4	between	between	ADP
afbr-2190	648	5	the	the	DET
afbr-2190	648	6	shariah	shariah	PROPN
afbr-2190	648	7	supervisory	supervisory	ADJ
afbr-2190	648	8	board	board	PROPN
afbr-2190	648	9	(	(	PUNCT
afbr-2190	648	10	ssb	ssb	PROPN
afbr-2190	648	11	)	)	PUNCT
afbr-2190	648	12	and	and	CCONJ
afbr-2190	648	13	stakeholder	stakeholder	NOUN
afbr-2190	648	14	theory	theory	NOUN
afbr-2190	648	15	in	in	ADP
afbr-2190	648	16	the	the	DET
afbr-2190	648	17	islamic	islamic	PROPN
afbr-2190	648	18	financial	financial	PROPN
afbr-2190	648	19	institutes	institutes	PROPN
afbr-2190	648	20	:	:	PUNCT
afbr-2190	648	21	an	an	DET
afbr-2190	648	22	empirical	empirical	ADJ
afbr-2190	648	23	review	review	NOUN
afbr-2190	648	24	.	.	PUNCT
afbr-2190	649	1	international	international	ADJ
afbr-2190	649	2	journal	journal	PROPN
afbr-2190	649	3	of	of	ADP
afbr-2190	649	4	accounting	accounting	PROPN
afbr-2190	649	5	&	&	CCONJ
afbr-2190	649	6	finance	finance	PROPN
afbr-2190	649	7	review	review	PROPN
afbr-2190	649	8	,	,	PUNCT
afbr-2190	649	9	4(2	4(2	NUM
afbr-2190	649	10	)	)	PUNCT
afbr-2190	649	11	,	,	PUNCT
afbr-2190	649	12	43	43	NUM
afbr-2190	649	13	-	-	SYM
afbr-2190	649	14	49	49	NUM
afbr-2190	649	15	.	.	PUNCT
afbr-2190	650	1	https://doi.org/10.46281/ijafr.v4i2.436	https://doi.org/10.46281/ijafr.v4i2.436	PROPN
afbr-2190	650	2	islam	islam	PROPN
afbr-2190	650	3	,	,	PUNCT
afbr-2190	650	4	k.	k.	PROPN
afbr-2190	650	5	m.	m.	PROPN
afbr-2190	650	6	a.	a.	PROPN
afbr-2190	650	7	(	(	PUNCT
afbr-2190	650	8	2019	2019	NUM
afbr-2190	650	9	)	)	PUNCT
afbr-2190	650	10	.	.	PUNCT
afbr-2190	651	1	what	what	PRON
afbr-2190	651	2	do	do	AUX
afbr-2190	651	3	the	the	DET
afbr-2190	651	4	customers	customer	NOUN
afbr-2190	651	5	think?an	think?an	ADP
afbr-2190	651	6	evaluation	evaluation	NOUN
afbr-2190	651	7	of	of	ADP
afbr-2190	651	8	new	new	ADJ
afbr-2190	651	9	products	product	NOUN
afbr-2190	651	10	&	&	CCONJ
afbr-2190	651	11	services	service	NOUN
afbr-2190	651	12	of	of	ADP
afbr-2190	651	13	national	national	PROPN
afbr-2190	651	14	bank	bank	PROPN
afbr-2190	651	15	limited	limit	VERB
afbr-2190	651	16	.	.	PUNCT
afbr-2190	652	1	https://doi.org/10.13140/rg.2.2.24969.47203	https://doi.org/10.13140/rg.2.2.24969.47203	NOUN
afbr-2190	652	2	kader	kader	PROPN
afbr-2190	652	3	,	,	PUNCT
afbr-2190	652	4	s.	s.	PROPN
afbr-2190	652	5	a.	a.	PROPN
afbr-2190	652	6	,	,	PUNCT
afbr-2190	652	7	zayed	zaye	VERB
afbr-2190	652	8	,	,	PUNCT
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afbr-2190	652	19	m.	m.	PROPN
afbr-2190	652	20	a.	a.	PROPN
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afbr-2190	652	22	&	&	CCONJ
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afbr-2190	652	24	,	,	PUNCT
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afbr-2190	652	30	)	)	PUNCT
afbr-2190	652	31	.	.	PUNCT
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afbr-2190	653	4	socio	socio	NOUN
afbr-2190	653	5	-	-	PUNCT
afbr-2190	653	6	economic	economic	ADJ
afbr-2190	653	7	condition	condition	NOUN
afbr-2190	653	8	of	of	ADP
afbr-2190	653	9	female	female	ADJ
afbr-2190	653	10	readymade	readymade	NOUN
afbr-2190	653	11	garments’(rmg	garments’(rmg	NOUN
afbr-2190	653	12	)	)	PUNCT
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afbr-2190	654	7	)	)	PUNCT
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afbr-2190	654	10	-	-	SYM
afbr-2190	654	11	20	20	NUM
afbr-2190	654	12	.	.	PUNCT
afbr-2190	654	13	retrieved	retrieve	VERB
afbr-2190	654	14	from	from	ADP
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afbr-2190	654	17	,	,	PUNCT
afbr-2190	654	18	k.	k.	PROPN
afbr-2190	654	19	m.	m.	PROPN
afbr-2190	654	20	a.	a.	PROPN
afbr-2190	654	21	,	,	PUNCT
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afbr-2190	654	23	,	,	PUNCT
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afbr-2190	654	25	a.	a.	PROPN
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afbr-2190	654	27	,	,	PUNCT
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afbr-2190	654	29	,	,	PUNCT
afbr-2190	654	30	s.	s.	PROPN
afbr-2190	654	31	,	,	PUNCT
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afbr-2190	654	33	,	,	PUNCT
afbr-2190	654	34	m.	m.	PROPN
afbr-2190	654	35	r.	r.	PROPN
afbr-2190	654	36	,	,	PUNCT
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afbr-2190	654	38	,	,	PUNCT
afbr-2190	654	39	s.	s.	PROPN
afbr-2190	654	40	,	,	PUNCT
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afbr-2190	654	42	,	,	PUNCT
afbr-2190	654	43	h.	h.	PROPN
afbr-2190	654	44	,	,	PUNCT
afbr-2190	654	45	&	&	CCONJ
afbr-2190	654	46	farooq	farooq	PROPN
afbr-2190	654	47	,	,	PUNCT
afbr-2190	654	48	l.	l.	PROPN
afbr-2190	654	49	(	(	PUNCT
afbr-2190	654	50	2020	2020	NUM
afbr-2190	654	51	)	)	PUNCT
afbr-2190	654	52	.	.	PUNCT
afbr-2190	655	1	comparison	comparison	NOUN
afbr-2190	655	2	of	of	ADP
afbr-2190	655	3	in	in	ADP
afbr-2190	655	4	vitro	vitro	X
afbr-2190	655	5	activity	activity	NOUN
afbr-2190	655	6	of	of	ADP
afbr-2190	655	7	colistin	colistin	NOUN
afbr-2190	655	8	with	with	ADP
afbr-2190	655	9	ceftolozane	ceftolozane	NOUN
afbr-2190	655	10	/	/	SYM
afbr-2190	655	11	tazobactam	tazobactam	NOUN
afbr-2190	655	12	against	against	ADP
afbr-2190	655	13	multi	multi	ADJ
afbr-2190	655	14	drug	drug	NOUN
afbr-2190	655	15	resistant	resistant	ADJ
afbr-2190	655	16	pseudomonas	pseudomona	NOUN
afbr-2190	655	17	aeruginosa	aeruginosa	NOUN
afbr-2190	655	18	“	"	PUNCT
afbr-2190	655	19	a	a	DET
afbr-2190	655	20	last	last	ADJ
afbr-2190	655	21	line	line	NOUN
afbr-2190	655	22	treatment	treatment	NOUN
afbr-2190	655	23	against	against	ADP
afbr-2190	655	24	mdr	mdr	PROPN
afbr-2190	655	25	”	"	PUNCT
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afbr-2190	656	8	,	,	PUNCT
afbr-2190	656	9	6(3	6(3	NUM
afbr-2190	656	10	)	)	PUNCT
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afbr-2190	656	12	1	1	NUM
afbr-2190	656	13	-	-	SYM
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afbr-2190	656	15	.	.	PUNCT
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afbr-2190	656	20	m.	m.	PROPN
afbr-2190	656	21	a.	a.	PROPN
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afbr-2190	656	23	&	&	CCONJ
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afbr-2190	656	25	,	,	PUNCT
afbr-2190	656	26	a.	a.	PROPN
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afbr-2190	656	28	(	(	PUNCT
afbr-2190	656	29	2020	2020	NUM
afbr-2190	656	30	)	)	PUNCT
afbr-2190	656	31	.	.	PUNCT
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afbr-2190	657	11	in	in	ADP
afbr-2190	657	12	islamic	islamic	ADJ
afbr-2190	657	13	banks	bank	NOUN
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afbr-2190	657	15	in	in	ADP
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afbr-2190	657	17	?	?	PUNCT
afbr-2190	658	1	:	:	PUNCT
afbr-2190	658	2	a	a	DET
afbr-2190	658	3	conceptual	conceptual	ADJ
afbr-2190	658	4	model	model	NOUN
afbr-2190	658	5	.	.	PUNCT
afbr-2190	659	1	international	international	ADJ
afbr-2190	659	2	multidisciplinary	multidisciplinary	ADJ
afbr-2190	659	3	postgraduate	postgraduate	NOUN
afbr-2190	659	4	conference	conference	NOUN
afbr-2190	659	5	2020	2020	NUM
afbr-2190	659	6	(	(	PUNCT
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afbr-2190	659	8	)	)	PUNCT
afbr-2190	659	9	.	.	PUNCT
afbr-2190	660	1	retrieved	retrieve	VERB
afbr-2190	660	2	from	from	ADP
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afbr-2190	660	4	https://doi.org/10.46281/ijibm.v1i1.48	https://doi.org/10.46281/ijibm.v1i1.48	X
afbr-2190	660	5	https://doi.org/10.46281/ijibm.v1i1.45	https://doi.org/10.46281/ijibm.v1i1.45	X
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afbr-2190	660	16	jakaria	jakaria	PROPN
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afbr-2190	660	19	finance	finance	NOUN
afbr-2190	660	20	&	&	CCONJ
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afbr-2190	660	27	)	)	PUNCT
afbr-2190	660	28	,	,	PUNCT
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afbr-2190	660	30	-	-	SYM
afbr-2190	660	31	29	29	NUM
afbr-2190	660	32	27	27	NUM
afbr-2190	660	33	cteristics_influence_corporate_social_responsibility_disclosure_in_islamic_b	cteristics_influence_corporate_social_responsibility_disclosure_in_islamic_b	NOUN
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afbr-2190	660	36	,	,	PUNCT
afbr-2190	660	37	s.	s.	PROPN
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afbr-2190	660	39	mamun	mamun	PROPN
afbr-2190	660	40	,	,	PUNCT
afbr-2190	660	41	a.	a.	PROPN
afbr-2190	660	42	,	,	PUNCT
afbr-2190	660	43	islam	islam	PROPN
afbr-2190	660	44	,	,	PUNCT
afbr-2190	660	45	k.	k.	PROPN
afbr-2190	660	46	m.	m.	PROPN
afbr-2190	660	47	a.	a.	PROPN
afbr-2190	660	48	,	,	PUNCT
afbr-2190	660	49	uddin	uddin	PROPN
afbr-2190	660	50	,	,	PUNCT
afbr-2190	660	51	m.	m.	PROPN
afbr-2190	660	52	r.	r.	PROPN
afbr-2190	660	53	,	,	PUNCT
afbr-2190	660	54	&	&	CCONJ
afbr-2190	660	55	sultana	sultana	NOUN
afbr-2190	660	56	,	,	PUNCT
afbr-2190	660	57	t.	t.	NOUN
afbr-2190	660	58	(	(	PUNCT
afbr-2190	660	59	2021	2021	NUM
afbr-2190	660	60	)	)	PUNCT
afbr-2190	660	61	.	.	PUNCT
afbr-2190	661	1	issues	issue	NOUN
afbr-2190	661	2	and	and	CCONJ
afbr-2190	661	3	challenges	challenge	NOUN
afbr-2190	661	4	of	of	ADP
afbr-2190	661	5	financial	financial	ADJ
afbr-2190	661	6	management	management	NOUN
afbr-2190	661	7	practices	practice	NOUN
afbr-2190	661	8	in	in	ADP
afbr-2190	661	9	islamic	islamic	ADJ
afbr-2190	661	10	financial	financial	ADJ
afbr-2190	661	11	institutions	institution	NOUN
afbr-2190	661	12	:	:	PUNCT
afbr-2190	661	13	empirical	empirical	ADJ
afbr-2190	661	14	evidence	evidence	NOUN
afbr-2190	661	15	from	from	ADP
afbr-2190	661	16	bangladesh	bangladesh	PROPN
afbr-2190	661	17	.	.	PUNCT
afbr-2190	662	1	indian	indian	PROPN
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afbr-2190	662	4	finance	finance	NOUN
afbr-2190	662	5	and	and	CCONJ
afbr-2190	662	6	banking	banking	NOUN
afbr-2190	662	7	,	,	PUNCT
afbr-2190	662	8	5(1	5(1	NUM
afbr-2190	662	9	)	)	PUNCT
afbr-2190	662	10	,	,	PUNCT
afbr-2190	662	11	38	38	NUM
afbr-2190	662	12	-	-	SYM
afbr-2190	662	13	55	55	NUM
afbr-2190	662	14	.	.	PUNCT
afbr-2190	663	1	https://doi.org/10.46281/ijfb.v5i1.963	https://doi.org/10.46281/ijfb.v5i1.963	PROPN
afbr-2190	663	2	islam	islam	PROPN
afbr-2190	663	3	,	,	PUNCT
afbr-2190	663	4	k.	k.	PROPN
afbr-2190	663	5	m.	m.	PROPN
afbr-2190	663	6	a.	a.	PROPN
afbr-2190	663	7	,	,	PUNCT
afbr-2190	663	8	&	&	CCONJ
afbr-2190	663	9	bhuiyan	bhuiyan	PROPN
afbr-2190	663	10	,	,	PUNCT
afbr-2190	663	11	a.	a.	PROPN
afbr-2190	663	12	b.	b.	PROPN
afbr-2190	663	13	(	(	PUNCT
afbr-2190	663	14	2021	2021	NUM
afbr-2190	663	15	)	)	PUNCT
afbr-2190	663	16	.	.	PUNCT
afbr-2190	664	1	determinants	determinant	NOUN
afbr-2190	664	2	of	of	ADP
afbr-2190	664	3	the	the	DET
afbr-2190	664	4	effectiveness	effectiveness	NOUN
afbr-2190	664	5	of	of	ADP
afbr-2190	664	6	internal	internal	ADJ
afbr-2190	664	7	shariah	shariah	PROPN
afbr-2190	664	8	audit	audit	NOUN
afbr-2190	664	9	:	:	PUNCT
afbr-2190	664	10	evidence	evidence	NOUN
afbr-2190	664	11	from	from	ADP
afbr-2190	664	12	islamic	islamic	ADJ
afbr-2190	664	13	banks	bank	NOUN
afbr-2190	664	14	in	in	ADP
afbr-2190	664	15	bangladesh	bangladesh	NOUN
afbr-2190	664	16	.	.	PUNCT
afbr-2190	665	1	the	the	DET
afbr-2190	665	2	journal	journal	NOUN
afbr-2190	665	3	of	of	ADP
afbr-2190	665	4	asian	asian	ADJ
afbr-2190	665	5	finance	finance	NOUN
afbr-2190	665	6	,	,	PUNCT
afbr-2190	665	7	economics	economic	NOUN
afbr-2190	665	8	and	and	CCONJ
afbr-2190	665	9	business	business	NOUN
afbr-2190	665	10	,	,	PUNCT
afbr-2190	665	11	8(2	8(2	NUM
afbr-2190	665	12	)	)	PUNCT
afbr-2190	665	13	,	,	PUNCT
afbr-2190	665	14	223–230	223–230	NUM
afbr-2190	665	15	.	.	PUNCT
afbr-2190	666	1	https://doi.org/10.13106/jafeb.2021.vol8.no2.0223	https://doi.org/10.13106/jafeb.2021.vol8.no2.0223	PROPN
afbr-2190	667	1	islam	islam	PROPN
afbr-2190	667	2	,	,	PUNCT
afbr-2190	667	3	k.	k.	PROPN
afbr-2190	667	4	m.	m.	PROPN
afbr-2190	667	5	a.	a.	PROPN
afbr-2190	667	6	,	,	PUNCT
afbr-2190	667	7	sadekin	sadekin	PROPN
afbr-2190	667	8	,	,	PUNCT
afbr-2190	667	9	m.	m.	NOUN
afbr-2190	667	10	s.	s.	PROPN
afbr-2190	667	11	,	,	PUNCT
afbr-2190	667	12	rahman	rahman	PROPN
afbr-2190	667	13	,	,	PUNCT
afbr-2190	667	14	m.	m.	NOUN
afbr-2190	667	15	,	,	PUNCT
afbr-2190	667	16	chowdhury	chowdhury	PROPN
afbr-2190	667	17	,	,	PUNCT
afbr-2190	667	18	m.	m.	NOUN
afbr-2190	667	19	,	,	PUNCT
afbr-2190	667	20	&	&	CCONJ
afbr-2190	667	21	haque	haque	PROPN
afbr-2190	667	22	,	,	PUNCT
afbr-2190	667	23	a.	a.	NOUN
afbr-2190	667	24	(	(	PUNCT
afbr-2190	667	25	2021	2021	NUM
afbr-2190	667	26	)	)	PUNCT
afbr-2190	667	27	.	.	PUNCT
afbr-2190	668	1	the	the	DET
afbr-2190	668	2	impact	impact	NOUN
afbr-2190	668	3	of	of	ADP
afbr-2190	668	4	shariah	shariah	PROPN
afbr-2190	668	5	supervisory	supervisory	ADJ
afbr-2190	668	6	board	board	PROPN
afbr-2190	668	7	and	and	CCONJ
afbr-2190	668	8	shariah	shariah	PROPN
afbr-2190	668	9	audit	audit	PROPN
afbr-2190	668	10	committee	committee	PROPN
afbr-2190	668	11	on	on	ADP
afbr-2190	668	12	csr	csr	NOUN
afbr-2190	668	13	adoption	adoption	NOUN
afbr-2190	668	14	at	at	ADP
afbr-2190	668	15	islamic	islamic	ADJ
afbr-2190	668	16	banks	bank	NOUN
afbr-2190	668	17	.	.	PUNCT
afbr-2190	669	1	journal	journal	PROPN
afbr-2190	669	2	of	of	ADP
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afbr-2190	669	4	finance	finance	NOUN
afbr-2190	669	5	,	,	PUNCT
afbr-2190	669	6	economics	economic	NOUN
afbr-2190	669	7	and	and	CCONJ
afbr-2190	669	8	business	business	NOUN
afbr-2190	669	9	(	(	PUNCT
afbr-2190	669	10	jafeb	jafeb	NOUN
afbr-2190	669	11	)	)	PUNCT
afbr-2190	669	12	,	,	PUNCT
afbr-2190	669	13	8(3	8(3	NUM
afbr-2190	669	14	)	)	PUNCT
afbr-2190	669	15	,	,	PUNCT
afbr-2190	669	16	479	479	NUM
afbr-2190	669	17	-	-	SYM
afbr-2190	669	18	485	485	NUM
afbr-2190	669	19	.	.	PUNCT
afbr-2190	670	1	ismail	ismail	NOUN
afbr-2190	670	2	,	,	PUNCT
afbr-2190	670	3	a.	a.	PROPN
afbr-2190	670	4	,	,	PUNCT
afbr-2190	670	5	islam	islam	PROPN
afbr-2190	670	6	,	,	PUNCT
afbr-2190	670	7	k.	k.	PROPN
afbr-2190	670	8	m.	m.	PROPN
afbr-2190	670	9	a.	a.	PROPN
afbr-2190	670	10	,	,	PUNCT
afbr-2190	670	11	zohaib	zohaib	PROPN
afbr-2190	670	12	,	,	PUNCT
afbr-2190	670	13	m.	m.	NOUN
afbr-2190	670	14	,	,	PUNCT
afbr-2190	670	15	tasaduq	tasaduq	NOUN
afbr-2190	670	16	,	,	PUNCT
afbr-2190	670	17	s.	s.	PROPN
afbr-2190	670	18	,	,	PUNCT
afbr-2190	670	19	&	&	CCONJ
afbr-2190	670	20	ismail	ismail	PROPN
afbr-2190	670	21	,	,	PUNCT
afbr-2190	670	22	m.	m.	NOUN
afbr-2190	670	23	(	(	PUNCT
afbr-2190	670	24	2021	2021	NUM
afbr-2190	670	25	)	)	PUNCT
afbr-2190	670	26	.	.	PUNCT
afbr-2190	671	1	the	the	DET
afbr-2190	671	2	role	role	NOUN
afbr-2190	671	3	of	of	ADP
afbr-2190	671	4	ethical	ethical	ADJ
afbr-2190	671	5	leadership	leadership	NOUN
afbr-2190	671	6	and	and	CCONJ
afbr-2190	671	7	whistleblowing	whistleblowing	NOUN
afbr-2190	671	8	intentions	intention	NOUN
afbr-2190	671	9	:	:	PUNCT
afbr-2190	671	10	mediating	mediate	VERB
afbr-2190	671	11	apparatus	apparatus	NOUN
afbr-2190	671	12	of	of	ADP
afbr-2190	671	13	moral	moral	ADJ
afbr-2190	671	14	identity	identity	NOUN
afbr-2190	671	15	.	.	PUNCT
afbr-2190	672	1	american	american	PROPN
afbr-2190	672	2	international	international	PROPN
afbr-2190	672	3	journal	journal	PROPN
afbr-2190	672	4	of	of	ADP
afbr-2190	672	5	humanities	humanity	NOUN
afbr-2190	672	6	,	,	PUNCT
afbr-2190	672	7	arts	art	NOUN
afbr-2190	672	8	and	and	CCONJ
afbr-2190	672	9	social	social	ADJ
afbr-2190	672	10	sciences	science	NOUN
afbr-2190	672	11	,	,	PUNCT
afbr-2190	672	12	3(1	3(1	NUM
afbr-2190	672	13	)	)	PUNCT
afbr-2190	672	14	,	,	PUNCT
afbr-2190	672	15	20	20	NUM
afbr-2190	672	16	-	-	SYM
afbr-2190	672	17	32	32	NUM
afbr-2190	672	18	.	.	PUNCT
afbr-2190	673	1	https://doi.org/10.46545/aijhass.v3i1.221	https://doi.org/10.46545/aijhass.v3i1.221	PROPN
afbr-2190	673	2	ismail	ismail	PROPN
afbr-2190	673	3	,	,	PUNCT
afbr-2190	673	4	m.	m.	NOUN
afbr-2190	673	5	,	,	PUNCT
afbr-2190	673	6	islam	islam	PROPN
afbr-2190	673	7	,	,	PUNCT
afbr-2190	673	8	k.	k.	PROPN
afbr-2190	673	9	m.	m.	PROPN
afbr-2190	673	10	a.	a.	PROPN
afbr-2190	673	11	,	,	PUNCT
afbr-2190	673	12	zohaib	zohaib	PROPN
afbr-2190	673	13	,	,	PUNCT
afbr-2190	673	14	m.	m.	NOUN
afbr-2190	673	15	,	,	PUNCT
afbr-2190	673	16	hussain	hussain	PROPN
afbr-2190	673	17	,	,	PUNCT
afbr-2190	673	18	r.	r.	PROPN
afbr-2190	673	19	,	,	PUNCT
afbr-2190	673	20	tahir	tahir	PROPN
afbr-2190	673	21	,	,	PUNCT
afbr-2190	673	22	m.	m.	NOUN
afbr-2190	673	23	y.	y.	PROPN
afbr-2190	673	24	,	,	PUNCT
afbr-2190	673	25	ijaz	ijaz	PROPN
afbr-2190	673	26	,	,	PUNCT
afbr-2190	673	27	m.	m.	NOUN
afbr-2190	673	28	,	,	PUNCT
afbr-2190	673	29	&	&	CCONJ
afbr-2190	673	30	hassan	hassan	PROPN
afbr-2190	673	31	,	,	PUNCT
afbr-2190	673	32	z.	z.	PROPN
afbr-2190	673	33	(	(	PUNCT
afbr-2190	673	34	2021	2021	NUM
afbr-2190	673	35	)	)	PUNCT
afbr-2190	673	36	.	.	PUNCT
afbr-2190	674	1	digital	digital	ADJ
afbr-2190	674	2	marketing	marketing	NOUN
afbr-2190	674	3	5	5	NUM
afbr-2190	674	4	-	-	PUNCT
afbr-2190	674	5	generation	generation	NOUN
afbr-2190	674	6	technology	technology	NOUN
afbr-2190	674	7	and	and	CCONJ
afbr-2190	674	8	its	its	PRON
afbr-2190	674	9	acceptance	acceptance	NOUN
afbr-2190	674	10	behavior	behavior	NOUN
afbr-2190	674	11	.	.	PUNCT
afbr-2190	675	1	international	international	ADJ
afbr-2190	675	2	journal	journal	NOUN
afbr-2190	675	3	of	of	ADP
afbr-2190	675	4	marketing	marketing	NOUN
afbr-2190	675	5	research	research	NOUN
afbr-2190	675	6	innovation	innovation	NOUN
afbr-2190	675	7	,	,	PUNCT
afbr-2190	675	8	5(1	5(1	NUM
afbr-2190	675	9	)	)	PUNCT
afbr-2190	675	10	,	,	PUNCT
afbr-2190	675	11	46	46	NUM
afbr-2190	675	12	-	-	SYM
afbr-2190	675	13	59	59	NUM
afbr-2190	675	14	.	.	PUNCT
afbr-2190	676	1	https://doi.org/10.46281/ijmri.v5i1.1500	https://doi.org/10.46281/ijmri.v5i1.1500	PROPN
afbr-2190	676	2	iqbal	iqbal	PROPN
afbr-2190	676	3	,	,	PUNCT
afbr-2190	676	4	m.	m.	NOUN
afbr-2190	676	5	m.	m.	NOUN
afbr-2190	676	6	,	,	PUNCT
afbr-2190	676	7	islam	islam	PROPN
afbr-2190	676	8	,	,	PUNCT
afbr-2190	676	9	k.	k.	PROPN
afbr-2190	676	10	m.	m.	PROPN
afbr-2190	676	11	a.	a.	PROPN
afbr-2190	676	12	,	,	PUNCT
afbr-2190	676	13	zayed	zaye	VERB
afbr-2190	676	14	,	,	PUNCT
afbr-2190	676	15	n.	n.	NOUN
afbr-2190	676	16	m.	m.	NOUN
afbr-2190	676	17	,	,	PUNCT
afbr-2190	676	18	beg	beg	INTJ
afbr-2190	676	19	,	,	PUNCT
afbr-2190	676	20	t.	t.	PROPN
afbr-2190	676	21	h.	h.	PROPN
afbr-2190	676	22	,	,	PUNCT
afbr-2190	676	23	&	&	CCONJ
afbr-2190	676	24	shahi	shahi	PROPN
afbr-2190	676	25	,	,	PUNCT
afbr-2190	676	26	s.	s.	PROPN
afbr-2190	676	27	k.	k.	PROPN
afbr-2190	676	28	(	(	PUNCT
afbr-2190	676	29	2021	2021	NUM
afbr-2190	676	30	)	)	PUNCT
afbr-2190	676	31	.	.	PUNCT
afbr-2190	677	1	impact	impact	NOUN
afbr-2190	677	2	of	of	ADP
afbr-2190	677	3	artificial	artificial	ADJ
afbr-2190	677	4	intelligence	intelligence	NOUN
afbr-2190	677	5	and	and	CCONJ
afbr-2190	677	6	digital	digital	ADJ
afbr-2190	677	7	economy	economy	NOUN
afbr-2190	677	8	on	on	ADP
afbr-2190	677	9	industrial	industrial	ADJ
afbr-2190	677	10	revolution	revolution	NOUN
afbr-2190	677	11	4	4	NUM
afbr-2190	677	12	:	:	PUNCT
afbr-2190	677	13	evidence	evidence	NOUN
afbr-2190	677	14	from	from	ADP
afbr-2190	677	15	bangladesh	bangladesh	PROPN
afbr-2190	677	16	.	.	PUNCT
afbr-2190	678	1	american	american	PROPN
afbr-2190	678	2	finance	finance	PROPN
afbr-2190	678	3	&	&	CCONJ
afbr-2190	678	4	banking	banking	PROPN
afbr-2190	678	5	review	review	PROPN
afbr-2190	678	6	,	,	PUNCT
afbr-2190	678	7	6(1	6(1	NUM
afbr-2190	678	8	)	)	PUNCT
afbr-2190	678	9	,	,	PUNCT
afbr-2190	678	10	42	42	NUM
afbr-2190	678	11	-	-	SYM
afbr-2190	678	12	55	55	NUM
afbr-2190	678	13	.	.	PUNCT
afbr-2190	679	1	https://doi.org/10.46281/amfbr.v6i1.1489	https://doi.org/10.46281/amfbr.v6i1.1489	PROPN
afbr-2190	679	2	inuwa	inuwa	PROPN
afbr-2190	679	3	,	,	PUNCT
afbr-2190	679	4	m.	m.	NOUN
afbr-2190	679	5	,	,	PUNCT
afbr-2190	679	6	islam	islam	PROPN
afbr-2190	679	7	,	,	PUNCT
afbr-2190	679	8	k.	k.	PROPN
afbr-2190	679	9	m.	m.	PROPN
afbr-2190	679	10	a.	a.	PROPN
afbr-2190	679	11	,	,	PUNCT
afbr-2190	679	12	&	&	CCONJ
afbr-2190	679	13	male	male	PROPN
afbr-2190	679	14	,	,	PUNCT
afbr-2190	679	15	i.	i.	PROPN
afbr-2190	679	16	g.	g.	PROPN
afbr-2190	679	17	(	(	PUNCT
afbr-2190	679	18	2022	2022	NUM
afbr-2190	679	19	)	)	PUNCT
afbr-2190	679	20	.	.	PUNCT
afbr-2190	680	1	the	the	DET
afbr-2190	680	2	indirect	indirect	ADJ
afbr-2190	680	3	effect	effect	NOUN
afbr-2190	680	4	of	of	ADP
afbr-2190	680	5	customer	customer	NOUN
afbr-2190	680	6	relations	relation	NOUN
afbr-2190	680	7	on	on	ADP
afbr-2190	680	8	lean	lean	ADJ
afbr-2190	680	9	social	social	ADJ
afbr-2190	680	10	factors	factor	NOUN
afbr-2190	680	11	and	and	CCONJ
afbr-2190	680	12	organizational	organizational	ADJ
afbr-2190	680	13	readiness	readiness	NOUN
afbr-2190	680	14	for	for	ADP
afbr-2190	680	15	change	change	NOUN
afbr-2190	680	16	amongst	amongst	ADP
afbr-2190	680	17	manufacturing	manufacture	VERB
afbr-2190	680	18	smes	sme	NOUN
afbr-2190	680	19	in	in	ADP
afbr-2190	680	20	nigeria	nigeria	PROPN
afbr-2190	680	21	:	:	PUNCT
afbr-2190	680	22	pls	pls	ADJ
afbr-2190	680	23	-	-	PUNCT
afbr-2190	680	24	sem	sem	NOUN
afbr-2190	680	25	approach	approach	NOUN
afbr-2190	680	26	.	.	PUNCT
afbr-2190	681	1	the	the	DET
afbr-2190	681	2	millennium	millennium	PROPN
afbr-2190	681	3	university	university	PROPN
afbr-2190	681	4	journal	journal	NOUN
afbr-2190	681	5	,	,	PUNCT
afbr-2190	681	6	7(1	7(1	NUM
afbr-2190	681	7	)	)	PUNCT
afbr-2190	681	8	,	,	PUNCT
afbr-2190	681	9	8	8	NUM
afbr-2190	681	10	-	-	SYM
afbr-2190	681	11	28	28	NUM
afbr-2190	681	12	.	.	PUNCT
afbr-2190	682	1	islam	islam	PROPN
afbr-2190	682	2	,	,	PUNCT
afbr-2190	682	3	k.	k.	PROPN
afbr-2190	682	4	m.	m.	PROPN
afbr-2190	682	5	a.	a.	PROPN
afbr-2190	682	6	,	,	PUNCT
afbr-2190	682	7	islam	islam	PROPN
afbr-2190	682	8	,	,	PUNCT
afbr-2190	682	9	s.	s.	PROPN
afbr-2190	682	10	,	,	PUNCT
afbr-2190	682	11	karim	karim	PROPN
afbr-2190	682	12	,	,	PUNCT
afbr-2190	682	13	m.	m.	NOUN
afbr-2190	682	14	m.	m.	NOUN
afbr-2190	682	15	,	,	PUNCT
afbr-2190	682	16	haque	haque	PROPN
afbr-2190	682	17	,	,	PUNCT
afbr-2190	682	18	m.	m.	NOUN
afbr-2190	682	19	s.	s.	PROPN
afbr-2190	682	20	,	,	PUNCT
afbr-2190	682	21	&	&	CCONJ
afbr-2190	682	22	sultana	sultana	NOUN
afbr-2190	682	23	,	,	PUNCT
afbr-2190	682	24	t.	t.	PROPN
afbr-2190	682	25	(	(	PUNCT
afbr-2190	682	26	2023	2023	NUM
afbr-2190	682	27	)	)	PUNCT
afbr-2190	682	28	.	.	PUNCT
afbr-2190	683	1	relationship	relationship	NOUN
afbr-2190	683	2	between	between	ADP
afbr-2190	683	3	e	e	NOUN
afbr-2190	683	4	-	-	NOUN
afbr-2190	683	5	service	service	ADJ
afbr-2190	683	6	quality	quality	NOUN
afbr-2190	683	7	dimensions	dimension	NOUN
afbr-2190	683	8	and	and	CCONJ
afbr-2190	683	9	online	online	ADJ
afbr-2190	683	10	banking	banking	NOUN
afbr-2190	683	11	customer	customer	NOUN
afbr-2190	683	12	satisfaction	satisfaction	NOUN
afbr-2190	683	13	.	.	PUNCT
afbr-2190	684	1	banks	bank	NOUN
afbr-2190	684	2	and	and	CCONJ
afbr-2190	684	3	bank	bank	NOUN
afbr-2190	684	4	systems	system	NOUN
afbr-2190	684	5	,	,	PUNCT
afbr-2190	684	6	18(1	18(1	NOUN
afbr-2190	684	7	)	)	PUNCT
afbr-2190	684	8	,	,	PUNCT
afbr-2190	684	9	174	174	NUM
afbr-2190	684	10	-	-	SYM
afbr-2190	684	11	183	183	NUM
afbr-2190	684	12	.	.	PUNCT
afbr-2190	685	1	islam	islam	PROPN
afbr-2190	685	2	,	,	PUNCT
afbr-2190	685	3	k.	k.	PROPN
afbr-2190	685	4	m.	m.	PROPN
afbr-2190	685	5	a.	a.	PROPN
afbr-2190	685	6	,	,	PUNCT
afbr-2190	685	7	karim	karim	PROPN
afbr-2190	685	8	,	,	PUNCT
afbr-2190	685	9	m.	m.	NOUN
afbr-2190	685	10	m.	m.	PROPN
afbr-2190	685	11	,	,	PUNCT
afbr-2190	685	12	islam	islam	PROPN
afbr-2190	685	13	,	,	PUNCT
afbr-2190	685	14	s.	s.	PROPN
afbr-2190	685	15	,	,	PUNCT
afbr-2190	685	16	haque	haque	PROPN
afbr-2190	685	17	,	,	PUNCT
afbr-2190	685	18	s.	s.	PROPN
afbr-2190	685	19	,	,	PUNCT
afbr-2190	685	20	&	&	CCONJ
afbr-2190	685	21	sultana	sultana	NOUN
afbr-2190	685	22	,	,	PUNCT
afbr-2190	685	23	t.	t.	PROPN
afbr-2190	685	24	(	(	PUNCT
afbr-2190	685	25	2022	2022	NUM
afbr-2190	685	26	)	)	PUNCT
afbr-2190	685	27	.	.	PUNCT
afbr-2190	686	1	exploring	explore	VERB
afbr-2190	686	2	the	the	DET
afbr-2190	686	3	effect	effect	NOUN
afbr-2190	686	4	of	of	ADP
afbr-2190	686	5	job	job	NOUN
afbr-2190	686	6	satisfaction	satisfaction	NOUN
afbr-2190	686	7	,	,	PUNCT
afbr-2190	686	8	employee	employee	NOUN
afbr-2190	686	9	empowerment	empowerment	NOUN
afbr-2190	686	10	,	,	PUNCT
afbr-2190	686	11	and	and	CCONJ
afbr-2190	686	12	emotional	emotional	ADJ
afbr-2190	686	13	intelligence	intelligence	NOUN
afbr-2190	686	14	on	on	ADP
afbr-2190	686	15	bank	bank	NOUN
afbr-2190	686	16	employee	employee	NOUN
afbr-2190	686	17	performance	performance	NOUN
afbr-2190	686	18	:	:	PUNCT
afbr-2190	686	19	a	a	DET
afbr-2190	686	20	study	study	NOUN
afbr-2190	686	21	on	on	ADP
afbr-2190	686	22	commercial	commercial	ADJ
afbr-2190	686	23	banks	bank	NOUN
afbr-2190	686	24	in	in	ADP
afbr-2190	686	25	bangladesh	bangladesh	NOUN
afbr-2190	686	26	.	.	PUNCT
afbr-2190	687	1	banks	bank	NOUN
afbr-2190	687	2	and	and	CCONJ
afbr-2190	687	3	bank	bank	NOUN
afbr-2190	687	4	systems	system	NOUN
afbr-2190	687	5	,	,	PUNCT
afbr-2190	687	6	17(3	17(3	NUM
afbr-2190	687	7	)	)	PUNCT
afbr-2190	687	8	,	,	PUNCT
afbr-2190	687	9	158	158	NUM
afbr-2190	687	10	-	-	SYM
afbr-2190	687	11	166	166	NUM
afbr-2190	687	12	.	.	PUNCT
afbr-2190	688	1	islam	islam	PROPN
afbr-2190	688	2	,	,	PUNCT
afbr-2190	688	3	k.	k.	PROPN
afbr-2190	688	4	m.	m.	PROPN
afbr-2190	688	5	a.	a.	PROPN
afbr-2190	688	6	,	,	PUNCT
afbr-2190	688	7	bari	bari	NOUN
afbr-2190	688	8	,	,	PUNCT
afbr-2190	688	9	m.	m.	NOUN
afbr-2190	688	10	f.	f.	PROPN
afbr-2190	688	11	,	,	PUNCT
afbr-2190	688	12	al	al	PROPN
afbr-2190	688	13	-	-	PUNCT
afbr-2190	688	14	kharusi	kharusi	PROPN
afbr-2190	688	15	,	,	PUNCT
afbr-2190	688	16	s.	s.	PROPN
afbr-2190	688	17	,	,	PUNCT
afbr-2190	688	18	bhuiyan	bhuiyan	PROPN
afbr-2190	688	19	,	,	PUNCT
afbr-2190	688	20	a.	a.	PROPN
afbr-2190	688	21	b.	b.	PROPN
afbr-2190	688	22	,	,	PUNCT
afbr-2190	688	23	&	&	CCONJ
afbr-2190	688	24	fais	fais	PROPN
afbr-2190	688	25	-	-	PUNCT
afbr-2190	688	26	al	al	PROPN
afbr-2190	688	27	-	-	PUNCT
afbr-2190	688	28	e	e	PROPN
afbr-2190	688	29	-	-	ADJ
afbr-2190	688	30	alam	alam	ADJ
afbr-2190	688	31	,	,	PUNCT
afbr-2190	688	32	m.	m.	NOUN
afbr-2190	688	33	(	(	PUNCT
afbr-2190	688	34	2023	2023	NUM
afbr-2190	688	35	)	)	PUNCT
afbr-2190	688	36	.	.	PUNCT
afbr-2190	689	1	impact	impact	NOUN
afbr-2190	689	2	of	of	ADP
afbr-2190	689	3	transformational	transformational	ADJ
afbr-2190	689	4	leadership	leadership	NOUN
afbr-2190	689	5	,	,	PUNCT
afbr-2190	689	6	human	human	ADJ
afbr-2190	689	7	capital	capital	NOUN
afbr-2190	689	8	,	,	PUNCT
afbr-2190	689	9	and	and	CCONJ
afbr-2190	689	10	job	job	NOUN
afbr-2190	689	11	satisfaction	satisfaction	NOUN
afbr-2190	689	12	on	on	ADP
afbr-2190	689	13	organizational	organizational	ADJ
afbr-2190	689	14	performance	performance	NOUN
afbr-2190	689	15	in	in	ADP
afbr-2190	689	16	the	the	DET
afbr-2190	689	17	manufacturing	manufacturing	NOUN
afbr-2190	689	18	industry	industry	NOUN
afbr-2190	689	19	.	.	PUNCT
afbr-2190	690	1	problems	problem	NOUN
afbr-2190	690	2	and	and	CCONJ
afbr-2190	690	3	perspectives	perspective	NOUN
afbr-2190	690	4	in	in	ADP
afbr-2190	690	5	management	management	NOUN
afbr-2190	690	6	,	,	PUNCT
afbr-2190	690	7	21(3	21(3	NUM
afbr-2190	690	8	)	)	PUNCT
afbr-2190	690	9	,	,	PUNCT
afbr-2190	690	10	382	382	NUM
afbr-2190	690	11	-	-	SYM
afbr-2190	690	12	392	392	NUM
afbr-2190	690	13	.	.	PUNCT
afbr-2190	691	1	islam	islam	PROPN
afbr-2190	691	2	,	,	PUNCT
afbr-2190	691	3	k.	k.	PROPN
afbr-2190	691	4	m.	m.	PROPN
afbr-2190	691	5	a.	a.	PROPN
afbr-2190	691	6	,	,	PUNCT
afbr-2190	691	7	shahabuddin	shahabuddin	NOUN
afbr-2190	691	8	,	,	PUNCT
afbr-2190	691	9	a.	a.	NOUN
afbr-2190	691	10	m.	m.	NOUN
afbr-2190	691	11	,	,	PUNCT
afbr-2190	691	12	omeish	omeish	INTJ
afbr-2190	691	13	,	,	PUNCT
afbr-2190	691	14	f.	f.	PROPN
afbr-2190	691	15	,	,	PUNCT
afbr-2190	691	16	bhuiyan	bhuiyan	PROPN
afbr-2190	691	17	,	,	PUNCT
afbr-2190	691	18	a.	a.	PROPN
afbr-2190	691	19	b.	b.	PROPN
afbr-2190	691	20	,	,	PUNCT
afbr-2190	691	21	&	&	CCONJ
afbr-2190	691	22	islam	islam	PROPN
afbr-2190	691	23	,	,	PUNCT
afbr-2190	691	24	s.	s.	PROPN
afbr-2190	691	25	(	(	PUNCT
afbr-2190	691	26	2023	2023	NUM
afbr-2190	691	27	)	)	PUNCT
afbr-2190	691	28	.	.	PUNCT
afbr-2190	692	1	the	the	DET
afbr-2190	692	2	effects	effect	NOUN
afbr-2190	692	3	of	of	ADP
afbr-2190	692	4	the	the	DET
afbr-2190	692	5	brand	brand	NOUN
afbr-2190	692	6	awareness	awareness	NOUN
afbr-2190	692	7	,	,	PUNCT
afbr-2190	692	8	religious	religious	ADJ
afbr-2190	692	9	belief	belief	NOUN
afbr-2190	692	10	and	and	CCONJ
afbr-2190	692	11	brand	brand	NOUN
afbr-2190	692	12	trust	trust	NOUN
afbr-2190	692	13	on	on	ADP
afbr-2190	692	14	the	the	DET
afbr-2190	692	15	purchase	purchase	NOUN
afbr-2190	692	16	intentions	intention	NOUN
afbr-2190	692	17	of	of	ADP
afbr-2190	692	18	halal	halal	NOUN
afbr-2190	692	19	products	product	NOUN
afbr-2190	692	20	among	among	ADP
afbr-2190	692	21	the	the	DET
afbr-2190	692	22	young	young	ADJ
afbr-2190	692	23	generation	generation	NOUN
afbr-2190	692	24	.	.	PUNCT
afbr-2190	693	1	innovative	innovative	ADJ
afbr-2190	693	2	marketing	marketing	NOUN
afbr-2190	693	3	,	,	PUNCT
afbr-2190	693	4	19(4	19(4	PROPN
afbr-2190	693	5	)	)	PUNCT
afbr-2190	693	6	,	,	PUNCT
afbr-2190	693	7	247	247	NUM
afbr-2190	693	8	-	-	SYM
afbr-2190	693	9	256	256	NUM
afbr-2190	693	10	.	.	PUNCT
afbr-2190	694	1	islam	islam	PROPN
afbr-2190	694	2	,	,	PUNCT
afbr-2190	694	3	k.	k.	PROPN
afbr-2190	694	4	m.	m.	PROPN
afbr-2190	694	5	a.	a.	PROPN
afbr-2190	694	6	,	,	PUNCT
afbr-2190	694	7	islam	islam	PROPN
afbr-2190	694	8	,	,	PUNCT
afbr-2190	694	9	s.	s.	PROPN
afbr-2190	694	10	,	,	PUNCT
afbr-2190	694	11	al	al	PROPN
afbr-2190	694	12	-	-	PUNCT
afbr-2190	694	13	kharusi	kharusi	PROPN
afbr-2190	694	14	,	,	PUNCT
afbr-2190	694	15	s.	s.	PROPN
afbr-2190	694	16	,	,	PUNCT
afbr-2190	694	17	bhuiyan	bhuiyan	PROPN
afbr-2190	694	18	,	,	PUNCT
afbr-2190	694	19	a.	a.	PROPN
afbr-2190	694	20	b.	b.	PROPN
afbr-2190	694	21	,	,	PUNCT
afbr-2190	694	22	&	&	CCONJ
afbr-2190	694	23	haque	haque	PROPN
afbr-2190	694	24	,	,	PUNCT
afbr-2190	694	25	m.	m.	NOUN
afbr-2190	694	26	s.	s.	PROPN
afbr-2190	694	27	(	(	PUNCT
afbr-2190	694	28	2023	2023	NUM
afbr-2190	694	29	)	)	PUNCT
afbr-2190	694	30	.	.	PUNCT
afbr-2190	695	1	individuals	individual	NOUN
afbr-2190	695	2	’	'	PUNCT
afbr-2190	695	3	purchase	purchase	NOUN
afbr-2190	695	4	intention	intention	NOUN
afbr-2190	695	5	of	of	ADP
afbr-2190	695	6	the	the	DET
afbr-2190	695	7	sukuk	sukuk	ADJ
afbr-2190	695	8	bond	bond	NOUN
afbr-2190	695	9	:	:	PUNCT
afbr-2190	695	10	a	a	DET
afbr-2190	695	11	study	study	NOUN
afbr-2190	695	12	on	on	ADP
afbr-2190	695	13	developing	develop	VERB
afbr-2190	695	14	economy	economy	NOUN
afbr-2190	695	15	.	.	PUNCT
afbr-2190	696	1	innovative	innovative	ADJ
afbr-2190	696	2	marketing	marketing	NOUN
afbr-2190	696	3	,	,	PUNCT
afbr-2190	696	4	19(3	19(3	NUM
afbr-2190	696	5	)	)	PUNCT
afbr-2190	696	6	,	,	PUNCT
afbr-2190	696	7	187	187	NUM
afbr-2190	696	8	.	.	PUNCT
afbr-2190	697	1	kurawa	kurawa	PROPN
afbr-2190	697	2	,	,	PUNCT
afbr-2190	697	3	j.	j.	PROPN
afbr-2190	697	4	m.	m.	PROPN
afbr-2190	697	5	,	,	PUNCT
afbr-2190	697	6	alhassan	alhassan	PROPN
afbr-2190	697	7	,	,	PUNCT
afbr-2190	697	8	i.	i.	PROPN
afbr-2190	697	9	,	,	PUNCT
afbr-2190	697	10	islam	islam	PROPN
afbr-2190	697	11	,	,	PUNCT
afbr-2190	697	12	k.	k.	PROPN
afbr-2190	697	13	a.	a.	PROPN
afbr-2190	697	14	,	,	PUNCT
afbr-2190	697	15	&	&	CCONJ
afbr-2190	697	16	haque	haque	PROPN
afbr-2190	697	17	,	,	PUNCT
afbr-2190	697	18	m.	m.	NOUN
afbr-2190	697	19	s.	s.	PROPN
afbr-2190	697	20	(	(	PUNCT
afbr-2190	697	21	2021	2021	NUM
afbr-2190	697	22	)	)	PUNCT
afbr-2190	697	23	.	.	PUNCT
afbr-2190	698	1	ownership	ownership	NOUN
afbr-2190	698	2	structure	structure	NOUN
afbr-2190	698	3	and	and	CCONJ
afbr-2190	698	4	financial	financial	ADJ
afbr-2190	698	5	reporting	reporting	NOUN
afbr-2190	698	6	quality	quality	NOUN
afbr-2190	698	7	in	in	ADP
afbr-2190	698	8	listed	list	VERB
afbr-2190	698	9	non	non	ADJ
afbr-2190	698	10	-	-	ADJ
afbr-2190	698	11	financial	financial	ADJ
afbr-2190	698	12	firms	firm	NOUN
afbr-2190	698	13	in	in	ADP
afbr-2190	698	14	nigeria	nigeria	PROPN
afbr-2190	698	15	.	.	PUNCT
afbr-2190	699	1	international	international	ADJ
afbr-2190	699	2	journal	journal	PROPN
afbr-2190	699	3	of	of	ADP
afbr-2190	699	4	accounting	accounting	PROPN
afbr-2190	699	5	&	&	CCONJ
afbr-2190	699	6	finance	finance	PROPN
afbr-2190	699	7	review	review	PROPN
afbr-2190	699	8	,	,	PUNCT
afbr-2190	699	9	9(1	9(1	NUM
afbr-2190	699	10	)	)	PUNCT
afbr-2190	699	11	,	,	PUNCT
afbr-2190	699	12	57	57	NUM
afbr-2190	699	13	-	-	SYM
afbr-2190	699	14	73	73	NUM
afbr-2190	699	15	.	.	PUNCT
afbr-2190	700	1	kader	kader	PROPN
afbr-2190	700	2	,	,	PUNCT
afbr-2190	700	3	s.	s.	PROPN
afbr-2190	700	4	a.	a.	PROPN
afbr-2190	700	5	,	,	PUNCT
afbr-2190	700	6	rahman	rahman	PROPN
afbr-2190	700	7	,	,	PUNCT
afbr-2190	700	8	a.	a.	PROPN
afbr-2190	700	9	a.	a.	NOUN
afbr-2190	700	10	a.	a.	PROPN
afbr-2190	700	11	,	,	PUNCT
afbr-2190	700	12	meero	meero	NOUN
afbr-2190	700	13	,	,	PUNCT
afbr-2190	700	14	a.	a.	PROPN
afbr-2190	700	15	,	,	PUNCT
afbr-2190	700	16	islam	islam	PROPN
afbr-2190	700	17	,	,	PUNCT
afbr-2190	700	18	k.	k.	PROPN
afbr-2190	700	19	m.	m.	PROPN
afbr-2190	700	20	a.	a.	PROPN
afbr-2190	700	21	,	,	PUNCT
afbr-2190	700	22	zayed	zaye	VERB
afbr-2190	700	23	,	,	PUNCT
afbr-2190	700	24	n.	n.	NOUN
afbr-2190	700	25	m.	m.	NOUN
afbr-2190	700	26	,	,	PUNCT
afbr-2190	700	27	hasan	hasan	PROPN
afbr-2190	700	28	,	,	PUNCT
afbr-2190	700	29	k.	k.	PROPN
afbr-2190	700	30	b.	b.	PROPN
afbr-2190	700	31	m.	m.	PROPN
afbr-2190	700	32	r.	r.	PROPN
afbr-2190	700	33	(	(	PUNCT
afbr-2190	700	34	2021	2021	NUM
afbr-2190	700	35	)	)	PUNCT
afbr-2190	700	36	.	.	PUNCT
afbr-2190	701	1	covid-19	covid-19	PROPN
afbr-2190	701	2	:	:	PUNCT
afbr-2190	701	3	after	after	ADP
afbr-2190	701	4	effects	effect	NOUN
afbr-2190	701	5	of	of	ADP
afbr-2190	701	6	coronavirus	coronavirus	NOUN
afbr-2190	701	7	and	and	CCONJ
afbr-2190	701	8	its	its	PRON
afbr-2190	701	9	impact	impact	NOUN
afbr-2190	701	10	on	on	ADP
afbr-2190	701	11	global	global	ADJ
afbr-2190	701	12	economy	economy	NOUN
afbr-2190	701	13	.	.	PUNCT
afbr-2190	702	1	academy	academy	NOUN
afbr-2190	702	2	of	of	ADP
afbr-2190	702	3	strategic	strategic	ADJ
afbr-2190	702	4	management	management	NOUN
afbr-2190	702	5	journal	journal	NOUN
afbr-2190	702	6	,	,	PUNCT
afbr-2190	702	7	20(1	20(1	NUM
afbr-2190	702	8	)	)	PUNCT
afbr-2190	702	9	.	.	PUNCT
afbr-2190	703	1	1	1	NUM
afbr-2190	703	2	-	-	SYM
afbr-2190	703	3	9	9	NUM
afbr-2190	703	4	retrieved	retrieve	VERB
afbr-2190	703	5	from	from	ADP
afbr-2190	703	6	https://www.abacademies.org/articles/covid19-after-effects-ofcoronavirus-and-its-impact-on-global-economy-11472.html	https://www.abacademies.org/articles/covid19-after-effects-ofcoronavirus-and-its-impact-on-global-economy-11472.html	PROPN
afbr-2190	703	7	kader	kader	PROPN
afbr-2190	703	8	,	,	PUNCT
afbr-2190	703	9	s.	s.	PROPN
afbr-2190	703	10	a.	a.	PROPN
afbr-2190	703	11	,	,	PUNCT
afbr-2190	703	12	kulsum	kulsum	PROPN
afbr-2190	703	13	,	,	PUNCT
afbr-2190	703	14	u.	u.	PROPN
afbr-2190	703	15	,	,	PUNCT
afbr-2190	703	16	islam	islam	PROPN
afbr-2190	703	17	,	,	PUNCT
afbr-2190	703	18	k.	k.	PROPN
afbr-2190	703	19	m.	m.	PROPN
afbr-2190	703	20	a.	a.	PROPN
afbr-2190	703	21	,	,	PUNCT
afbr-2190	703	22	siddiki	siddiki	PROPN
afbr-2190	703	23	,	,	PUNCT
afbr-2190	703	24	m.	m.	NOUN
afbr-2190	703	25	n.	n.	PROPN
afbr-2190	703	26	a.	a.	PROPN
afbr-2190	703	27	,	,	PUNCT
afbr-2190	703	28	zayed	zaye	VERB
afbr-2190	703	29	,	,	PUNCT
afbr-2190	703	30	n.	n.	NOUN
afbr-2190	703	31	m.	m.	NOUN
afbr-2190	703	32	,	,	PUNCT
afbr-2190	703	33	&	&	CCONJ
afbr-2190	703	34	raisa	raisa	PROPN
afbr-2190	703	35	,	,	PUNCT
afbr-2190	703	36	t.	t.	PROPN
afbr-2190	703	37	s.	s.	PROPN
afbr-2190	703	38	(	(	PUNCT
afbr-2190	703	39	2021	2021	NUM
afbr-2190	703	40	)	)	PUNCT
afbr-2190	703	41	.	.	PUNCT
afbr-2190	704	1	present	present	ADJ
afbr-2190	704	2	situation	situation	NOUN
afbr-2190	704	3	of	of	ADP
afbr-2190	704	4	the	the	DET
afbr-2190	704	5	field	field	NOUN
afbr-2190	704	6	workers	worker	NOUN
afbr-2190	704	7	in	in	ADP
afbr-2190	704	8	the	the	DET
afbr-2190	704	9	development	development	NOUN
afbr-2190	704	10	sector	sector	NOUN
afbr-2190	704	11	:	:	PUNCT
afbr-2190	704	12	a	a	DET
afbr-2190	704	13	social	social	ADJ
afbr-2190	704	14	,	,	PUNCT
afbr-2190	704	15	financial	financial	ADJ
afbr-2190	704	16	and	and	CCONJ
afbr-2190	704	17	employment	employment	NOUN
afbr-2190	704	18	aspect	aspect	NOUN
afbr-2190	704	19	in	in	ADP
afbr-2190	704	20	bangladesh	bangladesh	PROPN
afbr-2190	704	21	.	.	PUNCT
afbr-2190	705	1	journal	journal	PROPN
afbr-2190	705	2	of	of	ADP
afbr-2190	705	3	southwest	southwest	PROPN
afbr-2190	705	4	jiaotong	jiaotong	PROPN
afbr-2190	705	5	university	university	PROPN
afbr-2190	705	6	,	,	PUNCT
afbr-2190	705	7	56(2	56(2	ADJ
afbr-2190	705	8	)	)	PUNCT
afbr-2190	705	9	.	.	PUNCT
afbr-2190	706	1	https://doi.org/10.35741/issn.0258-2724.56.2.29	https://doi.org/10.35741/issn.0258-2724.56.2.29	PROPN
afbr-2190	706	2	khan	khan	PROPN
afbr-2190	706	3	,	,	PUNCT
afbr-2190	706	4	s.	s.	PROPN
afbr-2190	706	5	,	,	PUNCT
afbr-2190	706	6	zayed	zaye	VERB
afbr-2190	706	7	,	,	PUNCT
afbr-2190	706	8	n.	n.	NOUN
afbr-2190	706	9	m.	m.	NOUN
afbr-2190	706	10	,	,	PUNCT
afbr-2190	706	11	darwish	darwish	PROPN
afbr-2190	706	12	,	,	PUNCT
afbr-2190	706	13	s.	s.	PROPN
afbr-2190	706	14	,	,	PUNCT
afbr-2190	706	15	nitsenko	nitsenko	PROPN
afbr-2190	706	16	,	,	PUNCT
afbr-2190	706	17	v.	v.	PROPN
afbr-2190	706	18	,	,	PUNCT
afbr-2190	706	19	islam	islam	PROPN
afbr-2190	706	20	,	,	PUNCT
afbr-2190	706	21	k.	k.	PROPN
afbr-2190	706	22	a.	a.	PROPN
afbr-2190	706	23	,	,	PUNCT
afbr-2190	706	24	hassan	hassan	PROPN
afbr-2190	706	25	,	,	PUNCT
afbr-2190	706	26	m.	m.	NOUN
afbr-2190	706	27	a.	a.	PROPN
afbr-2190	706	28	,	,	PUNCT
afbr-2190	706	29	&	&	CCONJ
afbr-2190	706	30	dubrova	dubrova	PROPN
afbr-2190	706	31	,	,	PUNCT
afbr-2190	706	32	o.	o.	PROPN
afbr-2190	706	33	(	(	PUNCT
afbr-2190	706	34	2022	2022	NUM
afbr-2190	706	35	)	)	PUNCT
afbr-2190	706	36	.	.	PUNCT
afbr-2190	707	1	pre	pre	VERB
afbr-2190	707	2	and	and	CCONJ
afbr-2190	707	3	present	present	ADJ
afbr-2190	707	4	covid-19	covid-19	PROPN
afbr-2190	707	5	situation	situation	NOUN
afbr-2190	707	6	:	:	PUNCT
afbr-2190	707	7	a	a	DET
afbr-2190	707	8	framework	framework	NOUN
afbr-2190	707	9	of	of	ADP
afbr-2190	707	10	educational	educational	ADJ
afbr-2190	707	11	transformation	transformation	NOUN
afbr-2190	707	12	in	in	ADP
afbr-2190	707	13	south	south	PROPN
afbr-2190	707	14	asia	asia	PROPN
afbr-2190	707	15	region	region	PROPN
afbr-2190	707	16	.	.	PUNCT
afbr-2190	708	1	emerging	emerge	VERB
afbr-2190	708	2	science	science	NOUN
afbr-2190	708	3	journal	journal	NOUN
afbr-2190	708	4	,	,	PUNCT
afbr-2190	708	5	7	7	NUM
afbr-2190	708	6	,	,	PUNCT
afbr-2190	708	7	81	81	NUM
afbr-2190	708	8	-	-	SYM
afbr-2190	708	9	94	94	NUM
afbr-2190	708	10	.	.	PUNCT
afbr-2190	709	1	kabir	kabir	PROPN
afbr-2190	709	2	,	,	PUNCT
afbr-2190	709	3	m.	m.	PROPN
afbr-2190	709	4	r.	r.	PROPN
afbr-2190	709	5	,	,	PUNCT
afbr-2190	709	6	khan	khan	PROPN
afbr-2190	709	7	,	,	PUNCT
afbr-2190	709	8	s.	s.	PROPN
afbr-2190	709	9	,	,	PUNCT
afbr-2190	709	10	chowdhury	chowdhury	PROPN
afbr-2190	709	11	,	,	PUNCT
afbr-2190	709	12	s.	s.	PROPN
afbr-2190	709	13	,	,	PUNCT
afbr-2190	709	14	jahan	jahan	PROPN
afbr-2190	709	15	,	,	PUNCT
afbr-2190	709	16	s.	s.	PROPN
afbr-2190	709	17	,	,	PUNCT
afbr-2190	709	18	islam	islam	PROPN
afbr-2190	709	19	,	,	PUNCT
afbr-2190	709	20	k.	k.	PROPN
afbr-2190	709	21	a.	a.	PROPN
afbr-2190	709	22	,	,	PUNCT
afbr-2190	709	23	&	&	CCONJ
afbr-2190	709	24	zayed	zayed	ADJ
afbr-2190	709	25	,	,	PUNCT
afbr-2190	709	26	n.	n.	NOUN
afbr-2190	709	27	m.	m.	NOUN
afbr-2190	709	28	(	(	PUNCT
afbr-2190	709	29	2021	2021	NUM
afbr-2190	709	30	)	)	PUNCT
afbr-2190	709	31	.	.	PUNCT
afbr-2190	710	1	corruption	corruption	NOUN
afbr-2190	710	2	possibilities	possibility	NOUN
afbr-2190	710	3	in	in	ADP
afbr-2190	710	4	the	the	DET
afbr-2190	710	5	climate	climate	NOUN
afbr-2190	710	6	financing	financing	NOUN
afbr-2190	710	7	sector	sector	NOUN
afbr-2190	710	8	and	and	CCONJ
afbr-2190	710	9	role	role	NOUN
afbr-2190	710	10	of	of	ADP
afbr-2190	710	11	the	the	DET
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afbr-2190	711	8	)	)	PUNCT
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afbr-2190	713	20	)	)	PUNCT
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afbr-2190	714	2	,	,	PUNCT
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afbr-2190	714	4	)	)	PUNCT
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afbr-2190	714	19	a.	a.	PROPN
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afbr-2190	714	28	,	,	PUNCT
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afbr-2190	714	30	,	,	PUNCT
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afbr-2190	714	41	-	-	PUNCT
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afbr-2190	715	8	advantage	advantage	NOUN
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afbr-2190	715	10	banking	banking	NOUN
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afbr-2190	715	12	in	in	ADP
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afbr-2190	715	14	:	:	PUNCT
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afbr-2190	715	20	hsbc	hsbc	PROPN
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afbr-2190	715	22	.	.	PUNCT
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afbr-2190	716	4	https://www.researchgate.net/publication/346927582_does_shariah_supervisory_board_characteristics_influence_corporate_social_responsibility_disclosure_in_islamic_banks_performance_in_bangladesh_a_conceptual_model	https://www.researchgate.net/publication/346927582_does_shariah_supervisory_board_characteristics_influence_corporate_social_responsibility_disclosure_in_islamic_banks_performance_in_bangladesh_a_conceptual_model	PROPN
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afbr-2190	718	6	,	,	PUNCT
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afbr-2190	718	8	finance	finance	NOUN
afbr-2190	718	9	&	&	CCONJ
afbr-2190	718	10	banking	banking	PROPN
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afbr-2190	718	12	7(1	7(1	NUM
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afbr-2190	718	15	2023	2023	NUM
afbr-2190	718	16	)	)	PUNCT
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afbr-2190	718	18	9	9	NUM
afbr-2190	718	19	-	-	SYM
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afbr-2190	718	21	28	28	NUM
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afbr-2190	718	24	,	,	PUNCT
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afbr-2190	718	26	)	)	PUNCT
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afbr-2190	719	1	1	1	NUM
afbr-2190	719	2	-	-	SYM
afbr-2190	719	3	7	7	NUM
afbr-2190	719	4	.	.	PUNCT
afbr-2190	719	5	retrieved	retrieve	VERB
afbr-2190	719	6	from	from	ADP
afbr-2190	719	7	https://www.abacademies.org/articles/analysis-on-themarketing-strategy-and-competitive-advantage-of-banking-industry-1528-2686-27-4-552.pdf	https://www.abacademies.org/articles/analysis-on-themarketing-strategy-and-competitive-advantage-of-banking-industry-1528-2686-27-4-552.pdf	PROPN
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afbr-2190	719	12	,	,	PUNCT
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afbr-2190	719	23	,	,	PUNCT
afbr-2190	719	24	&	&	CCONJ
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afbr-2190	719	26	,	,	PUNCT
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afbr-2190	719	28	m.	m.	NOUN
afbr-2190	719	29	(	(	PUNCT
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afbr-2190	719	31	)	)	PUNCT
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afbr-2190	720	1	testing	test	VERB
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afbr-2190	720	4	teaching	teaching	NOUN
afbr-2190	720	5	(	(	PUNCT
afbr-2190	720	6	clt	clt	PROPN
afbr-2190	720	7	)	)	PUNCT
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afbr-2190	720	9	english	english	PROPN
afbr-2190	720	10	for	for	ADP
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afbr-2190	720	12	(	(	PUNCT
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afbr-2190	720	14	)	)	PUNCT
afbr-2190	720	15	in	in	ADP
afbr-2190	720	16	bangladesh	bangladesh	NOUN
afbr-2190	720	17	:	:	PUNCT
afbr-2190	720	18	challenges	challenge	NOUN
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afbr-2190	720	20	by	by	ADP
afbr-2190	720	21	tertiary	tertiary	ADJ
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afbr-2190	720	24	.	.	PUNCT
afbr-2190	721	1	american	american	PROPN
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afbr-2190	721	9	,	,	PUNCT
afbr-2190	721	10	3(2	3(2	NUM
afbr-2190	721	11	)	)	PUNCT
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afbr-2190	721	14	-	-	SYM
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afbr-2190	722	2	,	,	PUNCT
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afbr-2190	722	5	a.	a.	PROPN
afbr-2190	722	6	,	,	PUNCT
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afbr-2190	722	8	,	,	PUNCT
afbr-2190	722	9	a.	a.	NOUN
afbr-2190	722	10	,	,	PUNCT
afbr-2190	722	11	zayed	zaye	VERB
afbr-2190	722	12	,	,	PUNCT
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afbr-2190	722	14	m.	m.	NOUN
afbr-2190	722	15	,	,	PUNCT
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afbr-2190	722	17	,	,	PUNCT
afbr-2190	722	18	k.	k.	PROPN
afbr-2190	722	19	m.	m.	PROPN
afbr-2190	722	20	a.	a.	PROPN
afbr-2190	722	21	,	,	PUNCT
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afbr-2190	722	23	,	,	PUNCT
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afbr-2190	722	32	(	(	PUNCT
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afbr-2190	722	34	)	)	PUNCT
afbr-2190	722	35	.	.	PUNCT
afbr-2190	723	1	impact	impact	NOUN
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afbr-2190	723	10	:	:	PUNCT
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afbr-2190	723	13	bahrain	bahrain	NOUN
afbr-2190	723	14	.	.	PUNCT
afbr-2190	724	1	academy	academy	NOUN
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afbr-2190	724	6	,	,	PUNCT
afbr-2190	724	7	20(3	20(3	NUM
afbr-2190	724	8	)	)	PUNCT
afbr-2190	724	9	.	.	PUNCT
afbr-2190	725	1	retrieved	retrieve	VERB
afbr-2190	725	2	from	from	ADP
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afbr-2190	725	22	,	,	PUNCT
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afbr-2190	725	24	,	,	PUNCT
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afbr-2190	725	30	,	,	PUNCT
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afbr-2190	725	33	(	(	PUNCT
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afbr-2190	725	36	.	.	PUNCT
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afbr-2190	727	6	,	,	PUNCT
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afbr-2190	727	8	)	)	PUNCT
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afbr-2190	728	4	retrieved	retrieve	VERB
afbr-2190	728	5	from	from	ADP
afbr-2190	728	6	https://www.abacademies.org/articles/emerging-strategies-and-economic-impact-of-covid19-a-case-study-ofgulf-cooperation-council-countries-gcc-11270.html	https://www.abacademies.org/articles/emerging-strategies-and-economic-impact-of-covid19-a-case-study-ofgulf-cooperation-council-countries-gcc-11270.html	NOUN
afbr-2190	728	7	rubi	rubi	NOUN
afbr-2190	728	8	,	,	PUNCT
afbr-2190	728	9	m.	m.	NOUN
afbr-2190	728	10	a.	a.	PROPN
afbr-2190	728	11	,	,	PUNCT
afbr-2190	728	12	chowdhury	chowdhury	PROPN
afbr-2190	728	13	,	,	PUNCT
afbr-2190	728	14	s.	s.	PROPN
afbr-2190	728	15	,	,	PUNCT
afbr-2190	728	16	rahman	rahman	PROPN
afbr-2190	728	17	,	,	PUNCT
afbr-2190	728	18	a.	a.	PROPN
afbr-2190	728	19	a.	a.	NOUN
afbr-2190	728	20	a.	a.	PROPN
afbr-2190	728	21	,	,	PUNCT
afbr-2190	728	22	meero	meero	NOUN
afbr-2190	728	23	,	,	PUNCT
afbr-2190	728	24	a.	a.	NOUN
afbr-2190	728	25	,	,	PUNCT
afbr-2190	728	26	zayed	zaye	VERB
afbr-2190	728	27	,	,	PUNCT
afbr-2190	728	28	n.	n.	NOUN
afbr-2190	728	29	m.	m.	NOUN
afbr-2190	728	30	,	,	PUNCT
afbr-2190	728	31	&	&	CCONJ
afbr-2190	728	32	islam	islam	PROPN
afbr-2190	728	33	,	,	PUNCT
afbr-2190	728	34	k.	k.	PROPN
afbr-2190	728	35	a.	a.	PROPN
afbr-2190	728	36	(	(	PUNCT
afbr-2190	728	37	2022	2022	NUM
afbr-2190	728	38	)	)	PUNCT
afbr-2190	728	39	.	.	PUNCT
afbr-2190	729	1	fitting	fitting	ADJ
afbr-2190	729	2	multi	multi	ADJ
afbr-2190	729	3	-	-	ADJ
afbr-2190	729	4	layer	layer	NOUN
afbr-2190	729	5	feed	feed	NOUN
afbr-2190	729	6	forward	forward	ADV
afbr-2190	729	7	neural	neural	ADJ
afbr-2190	729	8	network	network	NOUN
afbr-2190	729	9	and	and	CCONJ
afbr-2190	729	10	autoregressive	autoregressive	ADJ
afbr-2190	729	11	integrated	integrated	ADJ
afbr-2190	729	12	moving	move	VERB
afbr-2190	729	13	average	average	NOUN
afbr-2190	729	14	for	for	ADP
afbr-2190	729	15	dhaka	dhaka	PROPN
afbr-2190	729	16	stock	stock	PROPN
afbr-2190	729	17	exchange	exchange	PROPN
afbr-2190	729	18	price	price	NOUN
afbr-2190	729	19	predicting	predicting	NOUN
afbr-2190	729	20	.	.	PUNCT
afbr-2190	730	1	emerging	emerge	VERB
afbr-2190	730	2	science	science	NOUN
afbr-2190	730	3	journal	journal	NOUN
afbr-2190	730	4	,	,	PUNCT
afbr-2190	730	5	6(5	6(5	NUM
afbr-2190	730	6	)	)	PUNCT
afbr-2190	730	7	,	,	PUNCT
afbr-2190	730	8	1046	1046	NUM
afbr-2190	730	9	-	-	SYM
afbr-2190	730	10	1061	1061	NUM
afbr-2190	730	11	.	.	PUNCT
afbr-2190	731	1	shahriar	shahriar	PROPN
afbr-2190	731	2	,	,	PUNCT
afbr-2190	731	3	m.	m.	NOUN
afbr-2190	731	4	s.	s.	PROPN
afbr-2190	731	5	,	,	PUNCT
afbr-2190	731	6	hasan	hasan	PROPN
afbr-2190	731	7	,	,	PUNCT
afbr-2190	731	8	k.	k.	PROPN
afbr-2190	731	9	b.	b.	PROPN
afbr-2190	731	10	m.	m.	PROPN
afbr-2190	731	11	r.	r.	PROPN
afbr-2190	731	12	,	,	PUNCT
afbr-2190	731	13	hossain	hossain	PROPN
afbr-2190	731	14	,	,	PUNCT
afbr-2190	731	15	t.	t.	PROPN
afbr-2190	731	16	,	,	PUNCT
afbr-2190	731	17	beg	beg	INTJ
afbr-2190	731	18	,	,	PUNCT
afbr-2190	731	19	t.	t.	PROPN
afbr-2190	731	20	h.	h.	PROPN
afbr-2190	731	21	,	,	PUNCT
afbr-2190	731	22	islam	islam	PROPN
afbr-2190	731	23	,	,	PUNCT
afbr-2190	731	24	k.	k.	PROPN
afbr-2190	731	25	m.	m.	PROPN
afbr-2190	731	26	a.	a.	PROPN
afbr-2190	731	27	,	,	PUNCT
afbr-2190	731	28	&	&	CCONJ
afbr-2190	731	29	zayed	zayed	ADJ
afbr-2190	731	30	,	,	PUNCT
afbr-2190	731	31	n.	n.	NOUN
afbr-2190	731	32	m.	m.	NOUN
afbr-2190	731	33	(	(	PUNCT
afbr-2190	731	34	2021	2021	NUM
afbr-2190	731	35	)	)	PUNCT
afbr-2190	731	36	.	.	PUNCT
afbr-2190	732	1	financial	financial	ADJ
afbr-2190	732	2	decision	decision	NOUN
afbr-2190	732	3	making	make	VERB
afbr-2190	732	4	and	and	CCONJ
afbr-2190	732	5	forecasting	forecast	VERB
afbr-2190	732	6	techniques	technique	NOUN
afbr-2190	732	7	on	on	ADP
afbr-2190	732	8	project	project	NOUN
afbr-2190	732	9	evaluation	evaluation	NOUN
afbr-2190	732	10	:	:	PUNCT
afbr-2190	732	11	a	a	DET
afbr-2190	732	12	planning	planning	NOUN
afbr-2190	732	13	,	,	PUNCT
afbr-2190	732	14	development	development	NOUN
afbr-2190	732	15	and	and	CCONJ
afbr-2190	732	16	entrepreneurial	entrepreneurial	ADJ
afbr-2190	732	17	perspective	perspective	NOUN
afbr-2190	732	18	.	.	PUNCT
afbr-2190	733	1	academy	academy	NOUN
afbr-2190	733	2	of	of	ADP
afbr-2190	733	3	entrepreneurship	entrepreneurship	NOUN
afbr-2190	733	4	journal	journal	NOUN
afbr-2190	733	5	,	,	PUNCT
afbr-2190	733	6	27(4	27(4	PROPN
afbr-2190	733	7	)	)	PUNCT
afbr-2190	733	8	,	,	PUNCT
afbr-2190	733	9	1	1	NUM
afbr-2190	733	10	-	-	SYM
afbr-2190	733	11	7	7	NUM
afbr-2190	733	12	.	.	PUNCT
afbr-2190	733	13	retrieved	retrieve	VERB
afbr-2190	733	14	from	from	ADP
afbr-2190	733	15	https://www.abacademies.org/articles/financial-decision-making-and-forecasting-techniques-on-projectevaluation-a-planning-development-1528-2686-27-4-553.pdf	https://www.abacademies.org/articles/financial-decision-making-and-forecasting-techniques-on-projectevaluation-a-planning-development-1528-2686-27-4-553.pdf	NOUN
afbr-2190	733	16	suleiman	suleiman	NOUN
afbr-2190	733	17	,	,	PUNCT
afbr-2190	733	18	y.	y.	PROPN
afbr-2190	733	19	,	,	PUNCT
afbr-2190	733	20	ishola	ishola	PROPN
afbr-2190	733	21	,	,	PUNCT
afbr-2190	733	22	m.	m.	NOUN
afbr-2190	733	23	a.	a.	PROPN
afbr-2190	733	24	,	,	PUNCT
afbr-2190	733	25	islam	islam	PROPN
afbr-2190	733	26	,	,	PUNCT
afbr-2190	733	27	k.	k.	PROPN
afbr-2190	733	28	a.	a.	PROPN
afbr-2190	733	29	,	,	PUNCT
afbr-2190	733	30	&	&	CCONJ
afbr-2190	733	31	bosede	bosede	PROPN
afbr-2190	733	32	,	,	PUNCT
afbr-2190	733	33	f.	f.	PROPN
afbr-2190	733	34	f.	f.	PROPN
afbr-2190	733	35	(	(	PUNCT
afbr-2190	733	36	2021	2021	NUM
afbr-2190	733	37	)	)	PUNCT
afbr-2190	733	38	.	.	PUNCT
afbr-2190	734	1	an	an	DET
afbr-2190	734	2	assessment	assessment	NOUN
afbr-2190	734	3	of	of	ADP
afbr-2190	734	4	the	the	DET
afbr-2190	734	5	first	first	ADJ
afbr-2190	734	6	wave	wave	NOUN
afbr-2190	734	7	of	of	ADP
afbr-2190	734	8	covid-19	covid-19	PROPN
afbr-2190	734	9	and	and	CCONJ
afbr-2190	734	10	need	need	VERB
afbr-2190	734	11	for	for	ADP
afbr-2190	734	12	strategic	strategic	ADJ
afbr-2190	734	13	management	management	NOUN
afbr-2190	734	14	of	of	ADP
afbr-2190	734	15	education	education	NOUN
afbr-2190	734	16	in	in	ADP
afbr-2190	734	17	kwara	kwara	PROPN
afbr-2190	734	18	state	state	PROPN
afbr-2190	734	19	,	,	PUNCT
afbr-2190	734	20	nigeria	nigeria	PROPN
afbr-2190	734	21	.	.	PUNCT
afbr-2190	735	1	the	the	DET
afbr-2190	735	2	millennium	millennium	PROPN
afbr-2190	735	3	university	university	PROPN
afbr-2190	735	4	journal	journal	NOUN
afbr-2190	735	5	,	,	PUNCT
afbr-2190	735	6	6(1	6(1	NUM
afbr-2190	735	7	)	)	PUNCT
afbr-2190	735	8	,	,	PUNCT
afbr-2190	735	9	1	1	NUM
afbr-2190	735	10	-	-	SYM
afbr-2190	735	11	10	10	NUM
afbr-2190	735	12	.	.	PUNCT
afbr-2190	735	13	shahriar	shahriar	PROPN
afbr-2190	735	14	,	,	PUNCT
afbr-2190	735	15	m.	m.	NOUN
afbr-2190	735	16	s.	s.	PROPN
afbr-2190	735	17	,	,	PUNCT
afbr-2190	735	18	islam	islam	PROPN
afbr-2190	735	19	,	,	PUNCT
afbr-2190	735	20	k.	k.	PROPN
afbr-2190	735	21	m.	m.	PROPN
afbr-2190	735	22	a.	a.	PROPN
afbr-2190	735	23	,	,	PUNCT
afbr-2190	735	24	zayed	zaye	VERB
afbr-2190	735	25	,	,	PUNCT
afbr-2190	735	26	n.	n.	NOUN
afbr-2190	735	27	m.	m.	NOUN
afbr-2190	735	28	,	,	PUNCT
afbr-2190	735	29	hasan	hasan	PROPN
afbr-2190	735	30	,	,	PUNCT
afbr-2190	735	31	k.	k.	PROPN
afbr-2190	735	32	b.	b.	PROPN
afbr-2190	735	33	m.	m.	PROPN
afbr-2190	735	34	r.	r.	PROPN
afbr-2190	735	35	,	,	PUNCT
afbr-2190	735	36	&	&	CCONJ
afbr-2190	735	37	raisa	raisa	PROPN
afbr-2190	735	38	,	,	PUNCT
afbr-2190	735	39	t.	t.	PROPN
afbr-2190	735	40	s.	s.	PROPN
afbr-2190	735	41	(	(	PUNCT
afbr-2190	735	42	2021	2021	NUM
afbr-2190	735	43	)	)	PUNCT
afbr-2190	735	44	.	.	PUNCT
afbr-2190	736	1	the	the	DET
afbr-2190	736	2	impact	impact	NOUN
afbr-2190	736	3	of	of	ADP
afbr-2190	736	4	covid-19	covid-19	PROPN
afbr-2190	736	5	on	on	ADP
afbr-2190	736	6	bangladesh	bangladesh	PROPN
afbr-2190	736	7	’s	’s	PART
afbr-2190	736	8	economy	economy	NOUN
afbr-2190	736	9	:	:	PUNCT
afbr-2190	736	10	a	a	DET
afbr-2190	736	11	focus	focus	NOUN
afbr-2190	736	12	on	on	ADP
afbr-2190	736	13	graduate	graduate	ADJ
afbr-2190	736	14	employability	employability	NOUN
afbr-2190	736	15	.	.	PUNCT
afbr-2190	737	1	the	the	DET
afbr-2190	737	2	journal	journal	NOUN
afbr-2190	737	3	of	of	ADP
afbr-2190	737	4	asian	asian	ADJ
afbr-2190	737	5	finance	finance	NOUN
afbr-2190	737	6	,	,	PUNCT
afbr-2190	737	7	economics	economic	NOUN
afbr-2190	737	8	and	and	CCONJ
afbr-2190	737	9	business	business	NOUN
afbr-2190	737	10	,	,	PUNCT
afbr-2190	737	11	8(3	8(3	NUM
afbr-2190	737	12	)	)	PUNCT
afbr-2190	737	13	,	,	PUNCT
afbr-2190	737	14	1395–1403	1395–1403	NUM
afbr-2190	737	15	.	.	PUNCT
afbr-2190	738	1	https://doi.org/10.13106/jafeb.2021.vol8.no3.1395	https://doi.org/10.13106/jafeb.2021.vol8.no3.1395	NOUN
afbr-2190	738	2	shayery	shayery	NOUN
afbr-2190	738	3	,	,	PUNCT
afbr-2190	738	4	a.	a.	PROPN
afbr-2190	738	5	j.	j.	PROPN
afbr-2190	738	6	,	,	PUNCT
afbr-2190	738	7	zayed	zayed	PROPN
afbr-2190	738	8	,	,	PUNCT
afbr-2190	738	9	n.	n.	NOUN
afbr-2190	738	10	m.	m.	NOUN
afbr-2190	738	11	,	,	PUNCT
afbr-2190	738	12	islam	islam	PROPN
afbr-2190	738	13	,	,	PUNCT
afbr-2190	738	14	k.	k.	PROPN
afbr-2190	738	15	m.	m.	PROPN
afbr-2190	738	16	a.	a.	PROPN
afbr-2190	738	17	,	,	PUNCT
afbr-2190	738	18	hossain	hossain	PROPN
afbr-2190	738	19	,	,	PUNCT
afbr-2190	738	20	m.	m.	PROPN
afbr-2190	738	21	f.	f.	PROPN
afbr-2190	738	22	,	,	PUNCT
afbr-2190	738	23	nitsenko	nitsenko	PROPN
afbr-2190	738	24	,	,	PUNCT
afbr-2190	738	25	v.	v.	PROPN
afbr-2190	738	26	s.	s.	PROPN
afbr-2190	738	27	,	,	PUNCT
afbr-2190	738	28	&	&	CCONJ
afbr-2190	738	29	imran	imran	PROPN
afbr-2190	738	30	,	,	PUNCT
afbr-2190	738	31	m.	m.	NOUN
afbr-2190	738	32	a.	a.	NOUN
afbr-2190	738	33	(	(	PUNCT
afbr-2190	738	34	2022	2022	NUM
afbr-2190	738	35	)	)	PUNCT
afbr-2190	738	36	.	.	PUNCT
afbr-2190	739	1	the	the	DET
afbr-2190	739	2	impact	impact	NOUN
afbr-2190	739	3	of	of	ADP
afbr-2190	739	4	internationalization	internationalization	NOUN
afbr-2190	739	5	to	to	PART
afbr-2190	739	6	improve	improve	VERB
afbr-2190	739	7	and	and	CCONJ
afbr-2190	739	8	ensure	ensure	VERB
afbr-2190	739	9	quality	quality	NOUN
afbr-2190	739	10	education	education	NOUN
afbr-2190	739	11	:	:	PUNCT
afbr-2190	739	12	a	a	DET
afbr-2190	739	13	case	case	NOUN
afbr-2190	739	14	study	study	NOUN
afbr-2190	739	15	of	of	ADP
afbr-2190	739	16	daffodil	daffodil	ADJ
afbr-2190	739	17	international	international	ADJ
afbr-2190	739	18	university	university	NOUN
afbr-2190	739	19	(	(	PUNCT
afbr-2190	739	20	bangladesh	bangladesh	PROPN
afbr-2190	739	21	)	)	PUNCT
afbr-2190	739	22	.	.	PUNCT
afbr-2190	740	1	natsional'nyi	natsional'nyi	PRON
afbr-2190	740	2	hirnychyi	hirnychyi	PROPN
afbr-2190	740	3	universytet	universytet	NOUN
afbr-2190	740	4	.	.	PUNCT
afbr-2190	741	1	naukovyi	naukovyi	PROPN
afbr-2190	741	2	visnyk	visnyk	ADV
afbr-2190	741	3	,	,	PUNCT
afbr-2190	741	4	(	(	PUNCT
afbr-2190	741	5	6	6	NUM
afbr-2190	741	6	)	)	PUNCT
afbr-2190	741	7	,	,	PUNCT
afbr-2190	741	8	160	160	NUM
afbr-2190	741	9	-	-	SYM
afbr-2190	741	10	169	169	NUM
afbr-2190	741	11	.	.	PUNCT
afbr-2190	742	1	tayo	tayo	NOUN
afbr-2190	742	2	-	-	PUNCT
afbr-2190	742	3	ladega	ladega	PROPN
afbr-2190	742	4	,	,	PUNCT
afbr-2190	742	5	o.	o.	PROPN
afbr-2190	742	6	,	,	PUNCT
afbr-2190	742	7	abdullahi	abdullahi	PROPN
afbr-2190	742	8	,	,	PUNCT
afbr-2190	742	9	t.	t.	NOUN
afbr-2190	742	10	m.	m.	NOUN
afbr-2190	742	11	,	,	PUNCT
afbr-2190	742	12	&	&	CCONJ
afbr-2190	742	13	islam	islam	PROPN
afbr-2190	742	14	,	,	PUNCT
afbr-2190	742	15	k.	k.	PROPN
afbr-2190	742	16	m.	m.	PROPN
afbr-2190	742	17	a.	a.	PROPN
afbr-2190	742	18	(	(	PUNCT
afbr-2190	742	19	2021	2021	NUM
afbr-2190	742	20	)	)	PUNCT
afbr-2190	742	21	.	.	PUNCT
afbr-2190	743	1	factors	factor	NOUN
afbr-2190	743	2	militating	militate	VERB
afbr-2190	743	3	against	against	ADP
afbr-2190	743	4	public	public	ADJ
afbr-2190	743	5	health	health	NOUN
afbr-2190	743	6	financing	financing	NOUN
afbr-2190	743	7	in	in	ADP
afbr-2190	743	8	nigeria	nigeria	PROPN
afbr-2190	743	9	:	:	PUNCT
afbr-2190	743	10	an	an	DET
afbr-2190	743	11	empirical	empirical	ADJ
afbr-2190	743	12	review	review	NOUN
afbr-2190	743	13	.	.	PUNCT
afbr-2190	744	1	american	american	PROPN
afbr-2190	744	2	international	international	PROPN
afbr-2190	744	3	journal	journal	PROPN
afbr-2190	744	4	of	of	ADP
afbr-2190	744	5	multidisciplinary	multidisciplinary	ADJ
afbr-2190	744	6	scientific	scientific	ADJ
afbr-2190	744	7	research	research	NOUN
afbr-2190	744	8	,	,	PUNCT
afbr-2190	744	9	7(2	7(2	NUM
afbr-2190	744	10	)	)	PUNCT
afbr-2190	744	11	,	,	PUNCT
afbr-2190	744	12	1	1	NUM
afbr-2190	744	13	-	-	SYM
afbr-2190	744	14	10	10	NUM
afbr-2190	744	15	.	.	PUNCT
afbr-2190	745	1	https://doi.org/10.46281/aijmsr.v7i2.1073	https://doi.org/10.46281/aijmsr.v7i2.1073	NOUN
afbr-2190	745	2	zayed	zaye	VERB
afbr-2190	745	3	,	,	PUNCT
afbr-2190	745	4	n.	n.	NOUN
afbr-2190	745	5	m.	m.	NOUN
afbr-2190	745	6	,	,	PUNCT
afbr-2190	745	7	edeh	edeh	PROPN
afbr-2190	745	8	,	,	PUNCT
afbr-2190	745	9	f.	f.	PROPN
afbr-2190	745	10	o.	o.	PROPN
afbr-2190	745	11	,	,	PUNCT
afbr-2190	745	12	darwish	darwish	PROPN
afbr-2190	745	13	,	,	PUNCT
afbr-2190	745	14	s.	s.	PROPN
afbr-2190	745	15	,	,	PUNCT
afbr-2190	745	16	islam	islam	PROPN
afbr-2190	745	17	,	,	PUNCT
afbr-2190	745	18	k.	k.	PROPN
afbr-2190	745	19	a.	a.	PROPN
afbr-2190	745	20	,	,	PUNCT
afbr-2190	745	21	kryshtal	kryshtal	PROPN
afbr-2190	745	22	,	,	PUNCT
afbr-2190	745	23	h.	h.	PROPN
afbr-2190	745	24	,	,	PUNCT
afbr-2190	745	25	nitsenko	nitsenko	PROPN
afbr-2190	745	26	,	,	PUNCT
afbr-2190	745	27	v.	v.	PROPN
afbr-2190	745	28	,	,	PUNCT
afbr-2190	745	29	&	&	CCONJ
afbr-2190	745	30	stanislavyk	stanislavyk	PROPN
afbr-2190	745	31	,	,	PUNCT
afbr-2190	745	32	o.	o.	PROPN
afbr-2190	745	33	(	(	PUNCT
afbr-2190	745	34	2022	2022	NUM
afbr-2190	745	35	)	)	PUNCT
afbr-2190	745	36	.	.	PUNCT
afbr-2190	746	1	human	human	ADJ
afbr-2190	746	2	resource	resource	NOUN
afbr-2190	746	3	skill	skill	NOUN
afbr-2190	746	4	adjustment	adjustment	NOUN
afbr-2190	746	5	in	in	ADP
afbr-2190	746	6	service	service	NOUN
afbr-2190	746	7	sector	sector	NOUN
afbr-2190	746	8	:	:	PUNCT
afbr-2190	746	9	predicting	predict	VERB
afbr-2190	746	10	dynamic	dynamic	ADJ
afbr-2190	746	11	capability	capability	NOUN
afbr-2190	746	12	in	in	ADP
afbr-2190	746	13	post	post	NOUN
afbr-2190	746	14	covid-19	covid-19	PROPN
afbr-2190	746	15	work	work	NOUN
afbr-2190	746	16	environment	environment	NOUN
afbr-2190	746	17	.	.	PUNCT
afbr-2190	747	1	journal	journal	NOUN
afbr-2190	747	2	of	of	ADP
afbr-2190	747	3	risk	risk	NOUN
afbr-2190	747	4	and	and	CCONJ
afbr-2190	747	5	financial	financial	ADJ
afbr-2190	747	6	management	management	NOUN
afbr-2190	747	7	,	,	PUNCT
afbr-2190	747	8	15(9	15(9	NUM
afbr-2190	747	9	)	)	PUNCT
afbr-2190	747	10	,	,	PUNCT
afbr-2190	747	11	402	402	NUM
afbr-2190	747	12	.	.	PUNCT
afbr-2190	748	1	zohaib	zohaib	PROPN
afbr-2190	748	2	,	,	PUNCT
afbr-2190	748	3	m.	m.	NOUN
afbr-2190	748	4	,	,	PUNCT
afbr-2190	748	5	islam	islam	PROPN
afbr-2190	748	6	,	,	PUNCT
afbr-2190	748	7	k.	k.	PROPN
afbr-2190	748	8	m.	m.	PROPN
afbr-2190	748	9	a.	a.	PROPN
afbr-2190	748	10	,	,	PUNCT
afbr-2190	748	11	tahir	tahir	PROPN
afbr-2190	748	12	,	,	PUNCT
afbr-2190	748	13	m.	m.	NOUN
afbr-2190	748	14	y.	y.	PROPN
afbr-2190	748	15	,	,	PUNCT
afbr-2190	748	16	hussain	hussain	PROPN
afbr-2190	748	17	,	,	PUNCT
afbr-2190	748	18	r.	r.	PROPN
afbr-2190	748	19	,	,	PUNCT
afbr-2190	748	20	zaineb	zaineb	PROPN
afbr-2190	748	21	,	,	PUNCT
afbr-2190	748	22	a.	a.	NOUN
afbr-2190	748	23	,	,	PUNCT
afbr-2190	748	24	ismail	ismail	NOUN
afbr-2190	748	25	,	,	PUNCT
afbr-2190	748	26	m.	m.	NOUN
afbr-2190	748	27	,	,	PUNCT
afbr-2190	748	28	&	&	CCONJ
afbr-2190	748	29	ismail	ismail	PROPN
afbr-2190	748	30	,	,	PUNCT
afbr-2190	748	31	a.	a.	NOUN
afbr-2190	748	32	(	(	PUNCT
afbr-2190	748	33	2021	2021	NUM
afbr-2190	748	34	)	)	PUNCT
afbr-2190	748	35	.	.	PUNCT
afbr-2190	749	1	the	the	DET
afbr-2190	749	2	innovative	innovative	ADJ
afbr-2190	749	3	financial	financial	ADJ
afbr-2190	749	4	product	product	NOUN
afbr-2190	749	5	development	development	NOUN
afbr-2190	749	6	with	with	ADP
afbr-2190	749	7	its	its	PRON
afbr-2190	749	8	functional	functional	ADJ
afbr-2190	749	9	performance	performance	NOUN
afbr-2190	749	10	.	.	PUNCT
afbr-2190	750	1	american	american	PROPN
afbr-2190	750	2	international	international	PROPN
afbr-2190	750	3	journal	journal	PROPN
afbr-2190	750	4	of	of	ADP
afbr-2190	750	5	economics	economic	NOUN
afbr-2190	750	6	and	and	CCONJ
afbr-2190	750	7	finance	finance	NOUN
afbr-2190	750	8	research	research	NOUN
afbr-2190	750	9	,	,	PUNCT
afbr-2190	750	10	3(1	3(1	NUM
afbr-2190	750	11	)	)	PUNCT
afbr-2190	750	12	,	,	PUNCT
afbr-2190	750	13	1	1	NUM
afbr-2190	750	14	-	-	SYM
afbr-2190	750	15	15	15	NUM
afbr-2190	750	16	.	.	PUNCT
afbr-2190	751	1	https://doi.org/10.46545/aijefr.v3i1.326	https://doi.org/10.46545/aijefr.v3i1.326	NOUN
afbr-2190	751	2	zofishan	zofishan	PROPN
afbr-2190	751	3	,	,	PUNCT
afbr-2190	751	4	m.	m.	NOUN
afbr-2190	751	5	,	,	PUNCT
afbr-2190	751	6	islam	islam	PROPN
afbr-2190	751	7	,	,	PUNCT
afbr-2190	751	8	k.	k.	PROPN
afbr-2190	751	9	m.	m.	PROPN
afbr-2190	751	10	a.	a.	PROPN
afbr-2190	751	11	,	,	PUNCT
afbr-2190	751	12	&	&	CCONJ
afbr-2190	751	13	ghazal	ghazal	PROPN
afbr-2190	751	14	,	,	PUNCT
afbr-2190	751	15	f.	f.	PROPN
afbr-2190	751	16	(	(	PUNCT
afbr-2190	751	17	2021	2021	NUM
afbr-2190	751	18	)	)	PUNCT
afbr-2190	751	19	.	.	PUNCT
afbr-2190	752	1	machine	machine	NOUN
afbr-2190	752	2	learning	learning	NOUN
afbr-2190	752	3	based	base	VERB
afbr-2190	752	4	cloud	cloud	NOUN
afbr-2190	752	5	music	music	NOUN
afbr-2190	752	6	application	application	NOUN
afbr-2190	752	7	with	with	ADP
afbr-2190	752	8	facial	facial	ADJ
afbr-2190	752	9	recognition	recognition	NOUN
afbr-2190	752	10	using	use	VERB
afbr-2190	752	11	android	android	PROPN
afbr-2190	752	12	studio	studio	NOUN
afbr-2190	752	13	(	(	PUNCT
afbr-2190	752	14	musync	musync	PROPN
afbr-2190	752	15	)	)	PUNCT
afbr-2190	752	16	.	.	PUNCT
afbr-2190	753	1	american	american	PROPN
afbr-2190	753	2	international	international	PROPN
afbr-2190	753	3	journal	journal	PROPN
afbr-2190	753	4	of	of	ADP
afbr-2190	753	5	sciences	sciences	PROPN
afbr-2190	753	6	and	and	CCONJ
afbr-2190	753	7	engineering	engineering	NOUN
afbr-2190	753	8	research	research	NOUN
afbr-2190	753	9	,	,	PUNCT
afbr-2190	753	10	4(1	4(1	NOUN
afbr-2190	753	11	)	)	PUNCT
afbr-2190	753	12	,	,	PUNCT
afbr-2190	753	13	36–52	36–52	NUM
afbr-2190	753	14	.	.	PUNCT
afbr-2190	754	1	https://doi.org/10.46545/aijser.v4i1.213	https://doi.org/10.46545/aijser.v4i1.213	PROPN
afbr-2190	754	2	zayed	zayed	PROPN
afbr-2190	754	3	,	,	PUNCT
afbr-2190	754	4	n.	n.	NOUN
afbr-2190	754	5	m.	m.	NOUN
afbr-2190	754	6	,	,	PUNCT
afbr-2190	754	7	islam	islam	PROPN
afbr-2190	754	8	,	,	PUNCT
afbr-2190	754	9	k.	k.	PROPN
afbr-2190	754	10	m.	m.	PROPN
afbr-2190	754	11	a.	a.	PROPN
afbr-2190	754	12	,	,	PUNCT
afbr-2190	754	13	shahi	shahi	PROPN
afbr-2190	754	14	,	,	PUNCT
afbr-2190	754	15	s.	s.	PROPN
afbr-2190	754	16	k.	k.	PROPN
afbr-2190	754	17	,	,	PUNCT
afbr-2190	754	18	rahman	rahman	PROPN
afbr-2190	754	19	,	,	PUNCT
afbr-2190	754	20	m.	m.	NOUN
afbr-2190	754	21	s.	s.	PROPN
afbr-2190	754	22	,	,	PUNCT
afbr-2190	754	23	&	&	CCONJ
afbr-2190	754	24	raisa	raisa	PROPN
afbr-2190	754	25	,	,	PUNCT
afbr-2190	754	26	t.	t.	PROPN
afbr-2190	754	27	s.	s.	PROPN
afbr-2190	754	28	(	(	PUNCT
afbr-2190	754	29	2021	2021	NUM
afbr-2190	754	30	)	)	PUNCT
afbr-2190	754	31	.	.	PUNCT
afbr-2190	755	1	an	an	DET
afbr-2190	755	2	analysis	analysis	NOUN
afbr-2190	755	3	on	on	ADP
afbr-2190	755	4	the	the	DET
afbr-2190	755	5	effects	effect	NOUN
afbr-2190	755	6	of	of	ADP
afbr-2190	755	7	coronavirus	coronavirus	NOUN
afbr-2190	755	8	(	(	PUNCT
afbr-2190	755	9	covid-19	covid-19	PROPN
afbr-2190	755	10	)	)	PUNCT
afbr-2190	755	11	on	on	ADP
afbr-2190	755	12	the	the	DET
afbr-2190	755	13	financial	financial	ADJ
afbr-2190	755	14	management	management	NOUN
afbr-2190	755	15	of	of	ADP
afbr-2190	755	16	multinational	multinational	ADJ
afbr-2190	755	17	corporations	corporation	NOUN
afbr-2190	755	18	.	.	PUNCT
afbr-2190	756	1	australian	australian	ADJ
afbr-2190	756	2	finance	finance	PROPN
afbr-2190	756	3	&	&	CCONJ
afbr-2190	756	4	banking	banking	PROPN
afbr-2190	756	5	review	review	PROPN
afbr-2190	756	6	,	,	PUNCT
afbr-2190	756	7	5(1	5(1	NUM
afbr-2190	756	8	)	)	PUNCT
afbr-2190	756	9	,	,	PUNCT
afbr-2190	756	10	43	43	NUM
afbr-2190	756	11	-	-	SYM
afbr-2190	756	12	53	53	NUM
afbr-2190	756	13	.	.	PUNCT
afbr-2190	757	1	https://doi.org/10.46281/afbr.v5i1.1015	https://doi.org/10.46281/afbr.v5i1.1015	PROPN
afbr-2190	757	2	zayed	zaye	VERB
afbr-2190	757	3	,	,	PUNCT
afbr-2190	757	4	n.	n.	NOUN
afbr-2190	757	5	m	m	PROPN
afbr-2190	757	6	.z	.z	PROPN
afbr-2190	757	7	.	.	PUNCT
afbr-2190	757	8	,	,	PUNCT
afbr-2190	757	9	meero	meero	NOUN
afbr-2190	757	10	,	,	PUNCT
afbr-2190	757	11	a.	a.	NOUN
afbr-2190	757	12	,	,	PUNCT
afbr-2190	757	13	rahman	rahman	PROPN
afbr-2190	757	14	,	,	PUNCT
afbr-2190	757	15	a.	a.	PROPN
afbr-2190	757	16	a.	a.	PROPN
afbr-2190	757	17	a.	a.	PROPN
afbr-2190	757	18	,	,	PUNCT
afbr-2190	757	19	islam	islam	PROPN
afbr-2190	757	20	,	,	PUNCT
afbr-2190	757	21	k.	k.	PROPN
afbr-2190	757	22	m.	m.	PROPN
afbr-2190	757	23	a.	a.	PROPN
afbr-2190	757	24	,	,	PUNCT
afbr-2190	757	25	shahiduzzaman	shahiduzzaman	PROPN
afbr-2190	757	26	khan	khan	PROPN
afbr-2190	757	27	shahi	shahi	PROPN
afbr-2190	757	28	,	,	PUNCT
afbr-2190	757	29	shama	shama	NOUN
afbr-2190	757	30	tasnim	tasnim	NOUN
afbr-2190	757	31	.	.	PUNCT
afbr-2190	758	1	(	(	PUNCT
afbr-2190	758	2	2021	2021	NUM
afbr-2190	758	3	)	)	PUNCT
afbr-2190	758	4	.	.	PUNCT
afbr-2190	759	1	demand	demand	NOUN
afbr-2190	759	2	and	and	CCONJ
afbr-2190	759	3	supply	supply	NOUN
afbr-2190	759	4	-	-	PUNCT
afbr-2190	759	5	side	side	NOUN
afbr-2190	759	6	analysis	analysis	NOUN
afbr-2190	759	7	of	of	ADP
afbr-2190	759	8	dhaka	dhaka	PROPN
afbr-2190	759	9	based	base	VERB
afbr-2190	759	10	online	online	PROPN
afbr-2190	759	11	business	business	NOUN
afbr-2190	759	12	during	during	ADP
afbr-2190	759	13	the	the	DET
afbr-2190	759	14	covid-19	covid-19	PROPN
afbr-2190	759	15	pandemic	pandemic	NOUN
afbr-2190	759	16	:	:	PUNCT
afbr-2190	759	17	evidence	evidence	NOUN
afbr-2190	759	18	from	from	ADP
afbr-2190	759	19	bangladesh	bangladesh	PROPN
afbr-2190	759	20	.	.	PUNCT
afbr-2190	760	1	journal	journal	PROPN
afbr-2190	760	2	of	of	ADP
afbr-2190	760	3	southwest	southwest	PROPN
afbr-2190	760	4	jiaotong	jiaotong	PROPN
afbr-2190	760	5	university	university	PROPN
afbr-2190	760	6	,	,	PUNCT
afbr-2190	760	7	56(3	56(3	NOUN
afbr-2190	760	8	)	)	PUNCT
afbr-2190	760	9	.	.	PUNCT
afbr-2190	761	1	https://doi.org/10.35741/issn.02582724.56.3.47	https://doi.org/10.35741/issn.02582724.56.3.47	PROPN
afbr-2190	761	2	zayed	zayed	ADJ
afbr-2190	761	3	,	,	PUNCT
afbr-2190	761	4	n.	n.	NOUN
afbr-2190	761	5	m.	m.	NOUN
afbr-2190	761	6	,	,	PUNCT
afbr-2190	761	7	mohamed	mohamed	PROPN
afbr-2190	761	8	,	,	PUNCT
afbr-2190	761	9	i.	i.	PROPN
afbr-2190	761	10	s.	s.	PROPN
afbr-2190	761	11	,	,	PUNCT
afbr-2190	761	12	islam	islam	PROPN
afbr-2190	761	13	,	,	PUNCT
afbr-2190	761	14	k.	k.	PROPN
afbr-2190	761	15	m.	m.	PROPN
afbr-2190	761	16	a.	a.	PROPN
afbr-2190	761	17	,	,	PUNCT
afbr-2190	761	18	perevozova	perevozova	PROPN
afbr-2190	761	19	,	,	PUNCT
afbr-2190	761	20	i.	i.	PROPN
afbr-2190	761	21	,	,	PUNCT
afbr-2190	761	22	nitsenko	nitsenko	PROPN
afbr-2190	761	23	,	,	PUNCT
afbr-2190	761	24	v.	v.	PROPN
afbr-2190	761	25	,	,	PUNCT
afbr-2190	761	26	&	&	CCONJ
afbr-2190	761	27	morozova	morozova	PROPN
afbr-2190	761	28	,	,	PUNCT
afbr-2190	761	29	o.	o.	PROPN
afbr-2190	761	30	(	(	PUNCT
afbr-2190	761	31	2022	2022	NUM
afbr-2190	761	32	)	)	PUNCT
afbr-2190	761	33	.	.	PUNCT
afbr-2190	762	1	factors	factor	NOUN
afbr-2190	762	2	influencing	influence	VERB
afbr-2190	762	3	the	the	DET
afbr-2190	762	4	financial	financial	ADJ
afbr-2190	762	5	situation	situation	NOUN
afbr-2190	762	6	and	and	CCONJ
afbr-2190	762	7	management	management	NOUN
afbr-2190	762	8	of	of	ADP
afbr-2190	762	9	small	small	ADJ
afbr-2190	762	10	and	and	CCONJ
afbr-2190	762	11	medium	medium	ADJ
afbr-2190	762	12	enterprises	enterprise	NOUN
afbr-2190	762	13	.	.	PUNCT
afbr-2190	763	1	journal	journal	NOUN
afbr-2190	763	2	of	of	ADP
afbr-2190	763	3	risk	risk	NOUN
afbr-2190	763	4	and	and	CCONJ
afbr-2190	763	5	financial	financial	ADJ
afbr-2190	763	6	management	management	NOUN
afbr-2190	763	7	,	,	PUNCT
afbr-2190	763	8	15(12	15(12	NUM
afbr-2190	763	9	)	)	PUNCT
afbr-2190	763	10	,	,	PUNCT
afbr-2190	763	11	554	554	NUM
afbr-2190	763	12	.	.	PUNCT
afbr-2190	764	1	zayed	zaye	VERB
afbr-2190	764	2	,	,	PUNCT
afbr-2190	764	3	n.	n.	NOUN
afbr-2190	764	4	m.	m.	NOUN
afbr-2190	764	5	,	,	PUNCT
afbr-2190	764	6	rashid	rashid	PROPN
afbr-2190	764	7	,	,	PUNCT
afbr-2190	764	8	m.	m.	NOUN
afbr-2190	764	9	m.	m.	NOUN
afbr-2190	764	10	,	,	PUNCT
afbr-2190	764	11	darwish	darwish	PROPN
afbr-2190	764	12	,	,	PUNCT
afbr-2190	764	13	s.	s.	PROPN
afbr-2190	764	14	,	,	PUNCT
afbr-2190	764	15	faisal	faisal	PROPN
afbr-2190	764	16	-	-	PUNCT
afbr-2190	764	17	e	e	PROPN
afbr-2190	764	18	-	-	ADJ
afbr-2190	764	19	alam	alam	ADJ
afbr-2190	764	20	,	,	PUNCT
afbr-2190	764	21	m.	m.	NOUN
afbr-2190	764	22	,	,	PUNCT
afbr-2190	764	23	nitsenko	nitsenko	PROPN
afbr-2190	764	24	,	,	PUNCT
afbr-2190	764	25	v.	v.	PROPN
afbr-2190	764	26	,	,	PUNCT
afbr-2190	764	27	&	&	CCONJ
afbr-2190	764	28	islam	islam	PROPN
afbr-2190	764	29	,	,	PUNCT
afbr-2190	764	30	k.	k.	PROPN
afbr-2190	764	31	m.	m.	PROPN
afbr-2190	764	32	a.	a.	PROPN
afbr-2190	764	33	(	(	PUNCT
afbr-2190	764	34	2022	2022	NUM
afbr-2190	764	35	)	)	PUNCT
afbr-2190	764	36	.	.	PUNCT
afbr-2190	765	1	the	the	DET
afbr-2190	765	2	power	power	NOUN
afbr-2190	765	3	of	of	ADP
afbr-2190	765	4	compensation	compensation	NOUN
afbr-2190	765	5	system	system	NOUN
afbr-2190	765	6	(	(	PUNCT
afbr-2190	765	7	cs	cs	PROPN
afbr-2190	765	8	)	)	PUNCT
afbr-2190	765	9	on	on	ADP
afbr-2190	765	10	employee	employee	NOUN
afbr-2190	765	11	satisfaction	satisfaction	NOUN
afbr-2190	765	12	(	(	PUNCT
afbr-2190	765	13	es	es	NOUN
afbr-2190	765	14	):	):	PUNCT
afbr-2190	765	15	the	the	DET
afbr-2190	765	16	mediating	mediate	VERB
afbr-2190	765	17	role	role	NOUN
afbr-2190	765	18	of	of	ADP
afbr-2190	765	19	employee	employee	NOUN
afbr-2190	765	20	motivation	motivation	NOUN
afbr-2190	765	21	(	(	PUNCT
afbr-2190	765	22	em	em	PRON
afbr-2190	765	23	)	)	PUNCT
afbr-2190	765	24	.	.	PUNCT
afbr-2190	766	1	economies	economy	NOUN
afbr-2190	766	2	,	,	PUNCT
afbr-2190	766	3	10(11	10(11	NUM
afbr-2190	766	4	)	)	PUNCT
afbr-2190	766	5	,	,	PUNCT
afbr-2190	766	6	290	290	NUM
afbr-2190	766	7	.	.	PUNCT
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afbr-2190	769	2	,	,	PUNCT
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afbr-2190	769	7	.	.	PUNCT
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afbr-2190	770	2	https://www.abacademies.org/articles/analysis-on-the-marketing-strategy-and-competitive-advantage-of-banking-industry-1528-2686-27-4-552.pdf	https://www.abacademies.org/articles/analysis-on-the-marketing-strategy-and-competitive-advantage-of-banking-industry-1528-2686-27-4-552.pdf	PROPN
afbr-2190	770	3	https://www.abacademies.org/articles/impact-of-leverage-ratios-on-indicators-of-financial-performance--evidence-from-bahrain-11166.html	https://www.abacademies.org/articles/impact-of-leverage-ratios-on-indicators-of-financial-performance--evidence-from-bahrain-11166.html	PROPN
afbr-2190	770	4	https://www.abacademies.org/articles/impact-of-leverage-ratios-on-indicators-of-financial-performance--evidence-from-bahrain-11166.html	https://www.abacademies.org/articles/impact-of-leverage-ratios-on-indicators-of-financial-performance--evidence-from-bahrain-11166.html	PROPN
afbr-2190	770	5	https://www.abacademies.org/articles/emerging-strategies-and-economic-impact-of-covid19-a-case-study-of-gulf-cooperation-council-countries-gcc-11270.html	https://www.abacademies.org/articles/emerging-strategies-and-economic-impact-of-covid19-a-case-study-of-gulf-cooperation-council-countries-gcc-11270.html	PROPN
afbr-2190	770	6	https://www.abacademies.org/articles/emerging-strategies-and-economic-impact-of-covid19-a-case-study-of-gulf-cooperation-council-countries-gcc-11270.html	https://www.abacademies.org/articles/emerging-strategies-and-economic-impact-of-covid19-a-case-study-of-gulf-cooperation-council-countries-gcc-11270.html	VERB
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afbr-2190	770	11	,	,	PUNCT
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afbr-2190	770	13	finance	finance	NOUN
afbr-2190	770	14	&	&	CCONJ
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afbr-2190	770	17	7(1	7(1	NUM
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afbr-2190	770	21	)	)	PUNCT
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afbr-2190	770	24	-	-	SYM
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afbr-2190	770	26	29	29	NUM
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afbr-2190	770	39	k.	k.	PROPN
afbr-2190	770	40	m.	m.	PROPN
afbr-2190	770	41	a.	a.	PROPN
afbr-2190	770	42	,	,	PUNCT
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afbr-2190	770	44	,	,	PUNCT
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afbr-2190	771	10	employee	employee	NOUN
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afbr-2190	771	12	in	in	ADP
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afbr-2190	772	3	,	,	PUNCT
afbr-2190	772	4	12(4	12(4	NUM
afbr-2190	772	5	)	)	PUNCT
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afbr-2190	772	8	.	.	PUNCT
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afbr-2190	773	5	cribfb	cribfb	PROPN
afbr-2190	773	6	stays	stay	VERB
afbr-2190	773	7	neutral	neutral	ADJ
afbr-2190	773	8	with	with	ADP
afbr-2190	773	9	regard	regard	NOUN
afbr-2190	773	10	to	to	ADP
afbr-2190	773	11	jurisdictional	jurisdictional	ADJ
afbr-2190	773	12	claims	claim	NOUN
afbr-2190	773	13	in	in	ADP
afbr-2190	773	14	published	publish	VERB
afbr-2190	773	15	maps	map	NOUN
afbr-2190	773	16	and	and	CCONJ
afbr-2190	773	17	institutional	institutional	ADJ
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afbr-2190	773	19	.	.	PUNCT
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afbr-2190	774	2	2023	2023	NUM
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afbr-2190	774	6	.	.	PUNCT
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afbr-2190	775	3	.	.	PUNCT
afbr-2190	776	1	this	this	DET
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afbr-2190	776	3	is	be	AUX
afbr-2190	776	4	an	an	DET
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afbr-2190	776	6	-	-	PUNCT
afbr-2190	776	7	access	access	NOUN
afbr-2190	776	8	article	article	NOUN
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afbr-2190	776	10	under	under	ADP
afbr-2190	776	11	the	the	DET
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afbr-2190	776	13	and	and	CCONJ
afbr-2190	776	14	conditions	condition	NOUN
afbr-2190	776	15	of	of	ADP
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afbr-2190	776	19	attribution	attribution	NOUN
afbr-2190	776	20	(	(	PUNCT
afbr-2190	776	21	cc	cc	NOUN
afbr-2190	776	22	by	by	ADP
afbr-2190	776	23	)	)	PUNCT
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afbr-2190	776	25	(	(	PUNCT
afbr-2190	776	26	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
afbr-2190	776	27	)	)	PUNCT
afbr-2190	776	28	.	.	PUNCT
afbr-2190	777	1	australian	australian	ADJ
afbr-2190	777	2	finance	finance	PROPN
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afbr-2190	777	6	(	(	PUNCT
afbr-2190	777	7	p	p	NOUN
afbr-2190	777	8	-	-	PUNCT
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afbr-2190	777	11	-	-	SYM
afbr-2190	777	12	1196	1196	NUM
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afbr-2190	777	14	-	-	PROPN
afbr-2190	777	15	issn	issn	VERB
afbr-2190	777	16	2576	2576	NUM
afbr-2190	777	17	-	-	PUNCT
afbr-2190	777	18	120x	120x	NUM
afbr-2190	777	19	)	)	PUNCT
afbr-2190	777	20	by	by	ADP
afbr-2190	777	21	cribfb	cribfb	PROPN
afbr-2190	777	22	is	be	AUX
afbr-2190	777	23	licensed	license	VERB
afbr-2190	777	24	under	under	ADP
afbr-2190	777	25	a	a	DET
afbr-2190	777	26	creative	creative	ADJ
afbr-2190	777	27	commons	common	NOUN
afbr-2190	777	28	attribution	attribution	NOUN
afbr-2190	777	29	4.0	4.0	NUM
afbr-2190	777	30	international	international	ADJ
afbr-2190	777	31	license	license	NOUN
afbr-2190	777	32	.	.	PUNCT
afbr-2190	778	1	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
afbr-2190	778	2	)	)	PUNCT
afbr-2190	778	3	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
afbr-2190	778	4	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN