id	sid	tid	token	lemma	pos
afbr-71	1	1	contents	content	NOUN
afbr-71	1	2	australian	australian	ADJ
afbr-71	1	3	finance	finance	NOUN
afbr-71	1	4	&	&	CCONJ
afbr-71	1	5	banking	banking	PROPN
afbr-71	1	6	review	review	PROPN
afbr-71	1	7	vol	vol	NOUN
afbr-71	1	8	.	.	PROPN
afbr-71	2	1	1	1	NUM
afbr-71	2	2	,	,	PUNCT
afbr-71	2	3	no	no	INTJ
afbr-71	2	4	.	.	NOUN
afbr-71	2	5	1	1	NUM
afbr-71	2	6	;	;	PUNCT
afbr-71	2	7	2017	2017	NUM
afbr-71	2	8	published	publish	VERB
afbr-71	2	9	by	by	ADP
afbr-71	2	10	centre	centre	NOUN
afbr-71	2	11	for	for	ADP
afbr-71	2	12	research	research	NOUN
afbr-71	2	13	on	on	ADP
afbr-71	2	14	islamic	islamic	ADJ
afbr-71	2	15	banking	banking	PROPN
afbr-71	2	16	&	&	CCONJ
afbr-71	2	17	finance	finance	PROPN
afbr-71	2	18	and	and	CCONJ
afbr-71	2	19	business	business	NOUN
afbr-71	2	20	14	14	NUM
afbr-71	2	21	comparative	comparative	ADJ
afbr-71	2	22	study	study	NOUN
afbr-71	2	23	on	on	ADP
afbr-71	2	24	credit	credit	NOUN
afbr-71	2	25	monitoring	monitoring	NOUN
afbr-71	2	26	practices	practice	NOUN
afbr-71	2	27	in	in	ADP
afbr-71	2	28	slected	slecte	VERB
afbr-71	2	29	banks	bank	NOUN
afbr-71	2	30	of	of	ADP
afbr-71	2	31	nepal	nepal	ADJ
afbr-71	2	32	fatta	fatta	PROPN
afbr-71	2	33	bahadur	bahadur	PROPN
afbr-71	2	34	k.c	k.c	PROPN
afbr-71	2	35	1	1	NUM
afbr-71	2	36	indra	indra	PROPN
afbr-71	2	37	kumar	kumar	PROPN
afbr-71	2	38	kattel	kattel	PROPN
afbr-71	2	39	2	2	NUM
afbr-71	2	40	1	1	NUM
afbr-71	2	41	tribhuvan	tribhuvan	NOUN
afbr-71	2	42	university	university	NOUN
afbr-71	2	43	,	,	PUNCT
afbr-71	2	44	nepal	nepal	ADJ
afbr-71	2	45	2	2	NUM
afbr-71	2	46	mewar	mewar	ADJ
afbr-71	2	47	university	university	NOUN
afbr-71	2	48	,	,	PUNCT
afbr-71	2	49	rajasthan	rajasthan	PROPN
afbr-71	2	50	,	,	PUNCT
afbr-71	2	51	india	india	PROPN
afbr-71	2	52	correspondence	correspondence	NOUN
afbr-71	2	53	:	:	PUNCT
afbr-71	2	54	indra	indra	PROPN
afbr-71	2	55	kumar	kumar	PROPN
afbr-71	2	56	kattel	kattel	PROPN
afbr-71	2	57	,	,	PUNCT
afbr-71	2	58	rastriya	rastriya	PROPN
afbr-71	2	59	banijya	banijya	PROPN
afbr-71	2	60	bank	bank	PROPN
afbr-71	2	61	limited	limit	VERB
afbr-71	2	62	,	,	PUNCT
afbr-71	2	63	central	central	ADJ
afbr-71	2	64	office	office	NOUN
afbr-71	2	65	singhdurbar	singhdurbar	NOUN
afbr-71	2	66	plaza	plaza	PROPN
afbr-71	2	67	,	,	PUNCT
afbr-71	2	68	kathmandu	kathmandu	NOUN
afbr-71	2	69	,	,	PUNCT
afbr-71	2	70	44600	44600	NUM
afbr-71	2	71	,	,	PUNCT
afbr-71	2	72	nepal	nepal	NOUN
afbr-71	2	73	,	,	PUNCT
afbr-71	2	74	email	email	NOUN
afbr-71	2	75	:	:	PUNCT
afbr-71	2	76	indra.kattel2024@gmail.com	indra.kattel2024@gmail.com	NUM
afbr-71	2	77	received	receive	VERB
afbr-71	2	78	:	:	PUNCT
afbr-71	2	79	october	october	PROPN
afbr-71	2	80	01	01	NUM
afbr-71	2	81	,	,	PUNCT
afbr-71	2	82	2017	2017	NUM
afbr-71	2	83	accepted	accept	VERB
afbr-71	2	84	:	:	PUNCT
afbr-71	2	85	october	october	PROPN
afbr-71	2	86	05	05	NUM
afbr-71	2	87	,	,	PUNCT
afbr-71	2	88	2017	2017	NUM
afbr-71	2	89	online	online	ADV
afbr-71	2	90	published	publish	VERB
afbr-71	2	91	:	:	PUNCT
afbr-71	2	92	october	october	PROPN
afbr-71	2	93	14	14	NUM
afbr-71	2	94	,	,	PUNCT
afbr-71	2	95	2017	2017	NUM
afbr-71	2	96	abstract	abstract	ADJ
afbr-71	2	97	credit	credit	NOUN
afbr-71	2	98	monitoring	monitoring	NOUN
afbr-71	2	99	is	be	AUX
afbr-71	2	100	performed	perform	VERB
afbr-71	2	101	by	by	ADP
afbr-71	2	102	the	the	DET
afbr-71	2	103	banks	bank	NOUN
afbr-71	2	104	as	as	ADP
afbr-71	2	105	post	post	NOUN
afbr-71	2	106	approval	approval	NOUN
afbr-71	2	107	activities	activity	NOUN
afbr-71	2	108	for	for	ADP
afbr-71	2	109	existing	exist	VERB
afbr-71	2	110	credit	credit	NOUN
afbr-71	2	111	clients	client	NOUN
afbr-71	2	112	to	to	PART
afbr-71	2	113	indentify	indentify	VERB
afbr-71	2	114	the	the	DET
afbr-71	2	115	early	early	ADJ
afbr-71	2	116	warning	warning	NOUN
afbr-71	2	117	single	single	ADJ
afbr-71	2	118	of	of	ADP
afbr-71	2	119	credit	credit	NOUN
afbr-71	2	120	risk	risk	NOUN
afbr-71	2	121	.	.	PUNCT
afbr-71	3	1	so	so	ADV
afbr-71	3	2	that	that	SCONJ
afbr-71	3	3	,	,	PUNCT
afbr-71	3	4	the	the	DET
afbr-71	3	5	study	study	NOUN
afbr-71	3	6	was	be	AUX
afbr-71	3	7	accomplish	accomplish	ADJ
afbr-71	3	8	to	to	PART
afbr-71	3	9	observe	observe	VERB
afbr-71	3	10	the	the	DET
afbr-71	3	11	credit	credit	NOUN
afbr-71	3	12	monitoring	monitoring	NOUN
afbr-71	3	13	practice	practice	NOUN
afbr-71	3	14	in	in	ADP
afbr-71	3	15	nepalese	nepalese	ADJ
afbr-71	3	16	commercial	commercial	ADJ
afbr-71	3	17	banks	bank	NOUN
afbr-71	3	18	.	.	PUNCT
afbr-71	4	1	the	the	DET
afbr-71	4	2	study	study	NOUN
afbr-71	4	3	was	be	AUX
afbr-71	4	4	based	base	VERB
afbr-71	4	5	on	on	ADP
afbr-71	4	6	a	a	DET
afbr-71	4	7	sample	sample	NOUN
afbr-71	4	8	of	of	ADP
afbr-71	4	9	10	10	NUM
afbr-71	4	10	commercial	commercial	ADJ
afbr-71	4	11	banks	bank	NOUN
afbr-71	4	12	,	,	PUNCT
afbr-71	4	13	comprising	comprise	VERB
afbr-71	4	14	5	5	NUM
afbr-71	4	15	private	private	ADJ
afbr-71	4	16	sector	sector	NOUN
afbr-71	4	17	banks	bank	NOUN
afbr-71	4	18	and	and	CCONJ
afbr-71	4	19	5	5	NUM
afbr-71	4	20	joint	joint	ADJ
afbr-71	4	21	venture	venture	NOUN
afbr-71	4	22	banks	bank	NOUN
afbr-71	4	23	.	.	PUNCT
afbr-71	5	1	this	this	DET
afbr-71	5	2	paper	paper	NOUN
afbr-71	5	3	attempts	attempt	VERB
afbr-71	5	4	to	to	PART
afbr-71	5	5	determine	determine	VERB
afbr-71	5	6	the	the	DET
afbr-71	5	7	awareness	awareness	NOUN
afbr-71	5	8	of	of	ADP
afbr-71	5	9	nepalese	nepalese	ADJ
afbr-71	5	10	bankers	banker	NOUN
afbr-71	5	11	about	about	ADP
afbr-71	5	12	the	the	DET
afbr-71	5	13	significance	significance	NOUN
afbr-71	5	14	of	of	ADP
afbr-71	5	15	credit	credit	NOUN
afbr-71	5	16	monitoring	monitoring	NOUN
afbr-71	5	17	as	as	ADP
afbr-71	5	18	risk	risk	NOUN
afbr-71	5	19	identification	identification	NOUN
afbr-71	5	20	tools	tool	NOUN
afbr-71	5	21	.	.	PUNCT
afbr-71	6	1	the	the	DET
afbr-71	6	2	result	result	NOUN
afbr-71	6	3	of	of	ADP
afbr-71	6	4	the	the	DET
afbr-71	6	5	study	study	NOUN
afbr-71	6	6	indicates	indicate	VERB
afbr-71	6	7	that	that	SCONJ
afbr-71	6	8	the	the	DET
afbr-71	6	9	periodically	periodically	ADJ
afbr-71	6	10	review	review	NOUN
afbr-71	6	11	of	of	ADP
afbr-71	6	12	the	the	DET
afbr-71	6	13	security	security	NOUN
afbr-71	6	14	documents	document	NOUN
afbr-71	6	15	,	,	PUNCT
afbr-71	6	16	credit	credit	NOUN
afbr-71	6	17	processing	processing	NOUN
afbr-71	6	18	procedure	procedure	NOUN
afbr-71	6	19	,	,	PUNCT
afbr-71	6	20	compliance	compliance	NOUN
afbr-71	6	21	of	of	ADP
afbr-71	6	22	covenants	covenant	NOUN
afbr-71	6	23	setup	setup	NOUN
afbr-71	6	24	during	during	ADP
afbr-71	6	25	credit	credit	NOUN
afbr-71	6	26	approval	approval	NOUN
afbr-71	6	27	,	,	PUNCT
afbr-71	6	28	technique	technique	NOUN
afbr-71	6	29	to	to	PART
afbr-71	6	30	control	control	VERB
afbr-71	6	31	default	default	NOUN
afbr-71	6	32	,	,	PUNCT
afbr-71	6	33	risk	risk	NOUN
afbr-71	6	34	reporting	reporting	NOUN
afbr-71	6	35	,	,	PUNCT
afbr-71	6	36	review	review	NOUN
afbr-71	6	37	of	of	ADP
afbr-71	6	38	loan	loan	NOUN
afbr-71	6	39	account	account	NOUN
afbr-71	6	40	and	and	CCONJ
afbr-71	6	41	regular	regular	ADJ
afbr-71	6	42	follow	follow	NOUN
afbr-71	6	43	-	-	PUNCT
afbr-71	6	44	up	up	NOUN
afbr-71	6	45	were	be	AUX
afbr-71	6	46	differently	differently	ADV
afbr-71	6	47	used	use	VERB
afbr-71	6	48	as	as	ADP
afbr-71	6	49	credit	credit	NOUN
afbr-71	6	50	monitoring	monitoring	NOUN
afbr-71	6	51	practice	practice	NOUN
afbr-71	6	52	in	in	ADP
afbr-71	6	53	private	private	ADJ
afbr-71	6	54	sector	sector	NOUN
afbr-71	6	55	and	and	CCONJ
afbr-71	6	56	joint	joint	ADJ
afbr-71	6	57	venture	venture	NOUN
afbr-71	6	58	banks	bank	NOUN
afbr-71	6	59	in	in	ADP
afbr-71	6	60	nepal	nepal	ADJ
afbr-71	6	61	.	.	PUNCT
afbr-71	7	1	these	these	DET
afbr-71	7	2	factors	factor	NOUN
afbr-71	7	3	also	also	ADV
afbr-71	7	4	found	find	VERB
afbr-71	7	5	significant	significant	ADJ
afbr-71	7	6	predictor	predictor	NOUN
afbr-71	7	7	for	for	ADP
afbr-71	7	8	credit	credit	NOUN
afbr-71	7	9	monitoring	monitoring	NOUN
afbr-71	7	10	.	.	PUNCT
afbr-71	8	1	moreover	moreover	ADV
afbr-71	8	2	,	,	PUNCT
afbr-71	8	3	there	there	PRON
afbr-71	8	4	was	be	VERB
afbr-71	8	5	a	a	DET
afbr-71	8	6	positive	positive	ADJ
afbr-71	8	7	relationship	relationship	NOUN
afbr-71	8	8	between	between	ADP
afbr-71	8	9	credit	credit	NOUN
afbr-71	8	10	monitoring	monitoring	NOUN
afbr-71	8	11	practice	practice	NOUN
afbr-71	8	12	and	and	CCONJ
afbr-71	8	13	its	its	PRON
afbr-71	8	14	factors	factor	NOUN
afbr-71	8	15	instead	instead	ADV
afbr-71	8	16	of	of	ADP
afbr-71	8	17	technique	technique	NOUN
afbr-71	8	18	to	to	PART
afbr-71	8	19	control	control	VERB
afbr-71	8	20	default	default	NOUN
afbr-71	8	21	.	.	PUNCT
afbr-71	9	1	keywords	keyword	NOUN
afbr-71	9	2	:	:	PUNCT
afbr-71	9	3	monitoring	monitoring	NOUN
afbr-71	9	4	,	,	PUNCT
afbr-71	9	5	compliance	compliance	NOUN
afbr-71	9	6	,	,	PUNCT
afbr-71	9	7	default	default	NOUN
afbr-71	9	8	,	,	PUNCT
afbr-71	9	9	approval	approval	NOUN
afbr-71	9	10	,	,	PUNCT
afbr-71	9	11	procedure	procedure	NOUN
afbr-71	9	12	.	.	PUNCT
afbr-71	10	1	1	1	X
afbr-71	10	2	.	.	X
afbr-71	10	3	introduction	introduction	NOUN
afbr-71	10	4	credit	credit	NOUN
afbr-71	10	5	monitoring	monitoring	NOUN
afbr-71	10	6	management	management	NOUN
afbr-71	10	7	is	be	AUX
afbr-71	10	8	a	a	DET
afbr-71	10	9	fundamental	fundamental	ADJ
afbr-71	10	10	process	process	NOUN
afbr-71	10	11	of	of	ADP
afbr-71	10	12	the	the	DET
afbr-71	10	13	every	every	DET
afbr-71	10	14	banks	bank	NOUN
afbr-71	10	15	and	and	CCONJ
afbr-71	10	16	financial	financial	ADJ
afbr-71	10	17	institutions	institution	NOUN
afbr-71	10	18	,	,	PUNCT
afbr-71	10	19	which	which	PRON
afbr-71	10	20	replicates	replicate	VERB
afbr-71	10	21	in	in	ADP
afbr-71	10	22	the	the	DET
afbr-71	10	23	quality	quality	NOUN
afbr-71	10	24	of	of	ADP
afbr-71	10	25	the	the	DET
afbr-71	10	26	credit	credit	NOUN
afbr-71	10	27	portfolio	portfolio	NOUN
afbr-71	10	28	.	.	PUNCT
afbr-71	11	1	the	the	DET
afbr-71	11	2	banks	bank	NOUN
afbr-71	11	3	need	need	VERB
afbr-71	11	4	to	to	PART
afbr-71	11	5	constantly	constantly	ADV
afbr-71	11	6	do	do	VERB
afbr-71	11	7	an	an	DET
afbr-71	11	8	assessment	assessment	NOUN
afbr-71	11	9	and	and	CCONJ
afbr-71	11	10	make	make	VERB
afbr-71	11	11	updates	update	NOUN
afbr-71	11	12	where	where	SCONJ
afbr-71	11	13	there	there	PRON
afbr-71	11	14	is	be	VERB
afbr-71	11	15	a	a	DET
afbr-71	11	16	need	need	NOUN
afbr-71	11	17	so	so	SCONJ
afbr-71	11	18	as	as	SCONJ
afbr-71	11	19	to	to	PART
afbr-71	11	20	be	be	AUX
afbr-71	11	21	sure	sure	ADJ
afbr-71	11	22	to	to	PART
afbr-71	11	23	handle	handle	VERB
afbr-71	11	24	any	any	DET
afbr-71	11	25	unexpected	unexpected	ADJ
afbr-71	11	26	risks	risk	NOUN
afbr-71	11	27	at	at	ADP
afbr-71	11	28	the	the	DET
afbr-71	11	29	right	right	ADJ
afbr-71	11	30	time	time	NOUN
afbr-71	11	31	before	before	SCONJ
afbr-71	11	32	it	it	PRON
afbr-71	11	33	is	be	AUX
afbr-71	11	34	happen	happen	ADJ
afbr-71	11	35	.	.	PUNCT
afbr-71	12	1	this	this	PRON
afbr-71	12	2	is	be	AUX
afbr-71	12	3	because	because	SCONJ
afbr-71	12	4	any	any	DET
afbr-71	12	5	neglected	neglect	VERB
afbr-71	12	6	or	or	CCONJ
afbr-71	12	7	minimized	minimized	ADJ
afbr-71	12	8	risk	risk	NOUN
afbr-71	12	9	can	can	AUX
afbr-71	12	10	have	have	VERB
afbr-71	12	11	very	very	ADV
afbr-71	12	12	long	long	ADJ
afbr-71	12	13	term	term	NOUN
afbr-71	12	14	big	big	ADJ
afbr-71	12	15	and	and	CCONJ
afbr-71	12	16	negative	negative	ADJ
afbr-71	12	17	consequences	consequence	NOUN
afbr-71	12	18	since	since	SCONJ
afbr-71	12	19	the	the	DET
afbr-71	12	20	banking	banking	NOUN
afbr-71	12	21	activities	activity	NOUN
afbr-71	12	22	are	be	AUX
afbr-71	12	23	so	so	ADV
afbr-71	12	24	interrelated	interrelated	ADJ
afbr-71	12	25	with	with	ADP
afbr-71	12	26	monitoring	monitoring	NOUN
afbr-71	12	27	.	.	PUNCT
afbr-71	13	1	credit	credit	NOUN
afbr-71	13	2	risk	risk	NOUN
afbr-71	13	3	can	can	AUX
afbr-71	13	4	not	not	PART
afbr-71	13	5	be	be	AUX
afbr-71	13	6	avoided	avoid	VERB
afbr-71	13	7	or	or	CCONJ
afbr-71	13	8	eliminated	eliminate	VERB
afbr-71	13	9	.	.	PUNCT
afbr-71	14	1	so	so	ADV
afbr-71	14	2	,	,	PUNCT
afbr-71	14	3	the	the	DET
afbr-71	14	4	only	only	ADJ
afbr-71	14	5	alternative	alternative	NOUN
afbr-71	14	6	is	be	AUX
afbr-71	14	7	to	to	PART
afbr-71	14	8	control	control	VERB
afbr-71	14	9	it	it	PRON
afbr-71	14	10	.	.	PUNCT
afbr-71	15	1	for	for	ADP
afbr-71	15	2	this	this	DET
afbr-71	15	3	rationale	rationale	NOUN
afbr-71	15	4	,	,	PUNCT
afbr-71	15	5	banks	bank	NOUN
afbr-71	15	6	,	,	PUNCT
afbr-71	15	7	establish	establish	VERB
afbr-71	15	8	the	the	DET
afbr-71	15	9	credit	credit	NOUN
afbr-71	15	10	.	.	PUNCT
afbr-71	16	1	banks	bank	NOUN
afbr-71	16	2	have	have	VERB
afbr-71	16	3	challenges	challenge	NOUN
afbr-71	16	4	to	to	PART
afbr-71	16	5	mintined	mintine	VERB
afbr-71	16	6	the	the	DET
afbr-71	16	7	the	the	DET
afbr-71	16	8	cfedit	cfedit	NOUN
afbr-71	16	9	in	in	ADP
afbr-71	16	10	pass	pass	NOUN
afbr-71	16	11	categories	category	NOUN
afbr-71	16	12	.	.	PUNCT
afbr-71	17	1	diwan	diwan	PROPN
afbr-71	17	2	&	&	CCONJ
afbr-71	17	3	rodick	rodick	PROPN
afbr-71	17	4	(	(	PUNCT
afbr-71	17	5	1992	1992	NUM
afbr-71	17	6	)	)	PUNCT
afbr-71	17	7	,	,	PUNCT
afbr-71	17	8	suggested	suggest	VERB
afbr-71	17	9	that	that	SCONJ
afbr-71	17	10	high	high	ADJ
afbr-71	17	11	npls	npls	NOUN
afbr-71	17	12	increase	increase	VERB
afbr-71	17	13	the	the	DET
afbr-71	17	14	uncertainty	uncertainty	NOUN
afbr-71	17	15	regarding	regard	VERB
afbr-71	17	16	the	the	DET
afbr-71	17	17	capital	capital	NOUN
afbr-71	17	18	position	position	NOUN
afbr-71	17	19	of	of	ADP
afbr-71	17	20	the	the	DET
afbr-71	17	21	banks	bank	NOUN
afbr-71	17	22	and	and	CCONJ
afbr-71	17	23	therefore	therefore	ADV
afbr-71	17	24	tend	tend	VERB
afbr-71	17	25	to	to	PART
afbr-71	17	26	limit	limit	VERB
afbr-71	17	27	their	their	PRON
afbr-71	17	28	access	access	NOUN
afbr-71	17	29	to	to	ADP
afbr-71	17	30	additional	additional	ADJ
afbr-71	17	31	financing	financing	NOUN
afbr-71	17	32	in	in	ADP
afbr-71	17	33	regular	regular	ADJ
afbr-71	17	34	banking	banking	NOUN
afbr-71	17	35	business	business	NOUN
afbr-71	17	36	.	.	PUNCT
afbr-71	18	1	the	the	DET
afbr-71	18	2	shortfall	shortfall	NOUN
afbr-71	18	3	of	of	ADP
afbr-71	18	4	the	the	DET
afbr-71	18	5	lending	lending	NOUN
afbr-71	18	6	fund	fund	NOUN
afbr-71	18	7	contributes	contribute	VERB
afbr-71	18	8	to	to	ADP
afbr-71	18	9	lower	low	ADJ
afbr-71	18	10	credit	credit	NOUN
afbr-71	18	11	growth	growth	NOUN
afbr-71	18	12	.	.	PUNCT
afbr-71	19	1	in	in	ADP
afbr-71	19	2	certain	certain	ADJ
afbr-71	19	3	banks	bank	NOUN
afbr-71	19	4	,	,	PUNCT
afbr-71	19	5	governments	government	NOUN
afbr-71	19	6	have	have	VERB
afbr-71	19	7	large	large	ADJ
afbr-71	19	8	amounts	amount	NOUN
afbr-71	19	9	of	of	ADP
afbr-71	19	10	non	non	ADJ
afbr-71	19	11	-	-	ADJ
afbr-71	19	12	performing	performing	ADJ
afbr-71	19	13	loans	loan	NOUN
afbr-71	19	14	and	and	CCONJ
afbr-71	19	15	some	some	DET
afbr-71	19	16	commercial	commercial	ADJ
afbr-71	19	17	banks	bank	NOUN
afbr-71	19	18	tend	tend	VERB
afbr-71	19	19	to	to	PART
afbr-71	19	20	finance	finance	VERB
afbr-71	19	21	government	government	NOUN
afbr-71	19	22	fiscal	fiscal	ADJ
afbr-71	19	23	deficits	deficit	NOUN
afbr-71	19	24	and	and	CCONJ
afbr-71	19	25	sustain	sustain	VERB
afbr-71	19	26	some	some	DET
afbr-71	19	27	unprofitable	unprofitable	ADJ
afbr-71	19	28	government	government	NOUN
afbr-71	19	29	projects	project	NOUN
afbr-71	19	30	with	with	ADP
afbr-71	19	31	large	large	ADJ
afbr-71	19	32	borrowings	borrowing	NOUN
afbr-71	19	33	from	from	ADP
afbr-71	19	34	banks	bank	NOUN
afbr-71	19	35	.	.	PUNCT
afbr-71	20	1	these	these	DET
afbr-71	20	2	actions	action	NOUN
afbr-71	20	3	increase	increase	VERB
afbr-71	20	4	the	the	DET
afbr-71	20	5	prospects	prospect	NOUN
afbr-71	20	6	of	of	ADP
afbr-71	20	7	generating	generate	VERB
afbr-71	20	8	npls	npls	NOUN
afbr-71	20	9	in	in	ADP
afbr-71	20	10	the	the	DET
afbr-71	20	11	banks	bank	NOUN
afbr-71	20	12	.	.	PUNCT
afbr-71	21	1	so	so	ADV
afbr-71	21	2	,	,	PUNCT
afbr-71	21	3	non	non	ADJ
afbr-71	21	4	-	-	ADJ
afbr-71	21	5	performing	performing	ADJ
afbr-71	21	6	loans	loan	NOUN
afbr-71	21	7	are	be	AUX
afbr-71	21	8	one	one	NUM
afbr-71	21	9	of	of	ADP
afbr-71	21	10	the	the	DET
afbr-71	21	11	main	main	ADJ
afbr-71	21	12	reasons	reason	NOUN
afbr-71	21	13	that	that	PRON
afbr-71	21	14	cause	cause	VERB
afbr-71	21	15	insolvency	insolvency	NOUN
afbr-71	21	16	of	of	ADP
afbr-71	21	17	the	the	DET
afbr-71	21	18	financial	financial	ADJ
afbr-71	21	19	institutions	institution	NOUN
afbr-71	21	20	and	and	CCONJ
afbr-71	21	21	ultimately	ultimately	ADV
afbr-71	21	22	destroy	destroy	VERB
afbr-71	21	23	the	the	DET
afbr-71	21	24	whole	whole	ADJ
afbr-71	21	25	economy	economy	NOUN
afbr-71	21	26	(	(	PUNCT
afbr-71	21	27	hou	hou	NOUN
afbr-71	21	28	,	,	PUNCT
afbr-71	21	29	comparative	comparative	ADJ
afbr-71	21	30	study	study	NOUN
afbr-71	21	31	on	on	ADP
afbr-71	21	32	credit	credit	NOUN
afbr-71	21	33	monitoring	monitoring	NOUN
afbr-71	21	34	practices	practice	NOUN
afbr-71	21	35	in	in	ADP
afbr-71	21	36	slected	slecte	VERB
afbr-71	21	37	banks	bank	NOUN
afbr-71	21	38	of	of	ADP
afbr-71	21	39	nepal	nepal	ADJ
afbr-71	21	40	fatta	fatta	PROPN
afbr-71	21	41	bahadur	bahadur	PROPN
afbr-71	21	42	k.c	k.c	PROPN
afbr-71	21	43	and	and	CCONJ
afbr-71	21	44	indra	indra	PROPN
afbr-71	21	45	kumar	kumar	PROPN
afbr-71	21	46	kattel	kattel	PROPN
afbr-71	21	47	15	15	NUM
afbr-71	21	48	2007	2007	NUM
afbr-71	21	49	)	)	PUNCT
afbr-71	21	50	.	.	PUNCT
afbr-71	22	1	by	by	ADP
afbr-71	22	2	considering	consider	VERB
afbr-71	22	3	these	these	DET
afbr-71	22	4	facts	fact	NOUN
afbr-71	22	5	,	,	PUNCT
afbr-71	22	6	it	it	PRON
afbr-71	22	7	is	be	AUX
afbr-71	22	8	necessary	necessary	ADJ
afbr-71	22	9	to	to	PART
afbr-71	22	10	control	control	VERB
afbr-71	22	11	non	non	ADJ
afbr-71	22	12	-	-	ADJ
afbr-71	22	13	performing	performing	ADJ
afbr-71	22	14	loans	loan	NOUN
afbr-71	22	15	for	for	ADP
afbr-71	22	16	the	the	DET
afbr-71	22	17	financial	financial	ADJ
afbr-71	22	18	soundness	soundness	NOUN
afbr-71	22	19	of	of	ADP
afbr-71	22	20	banks	bank	NOUN
afbr-71	22	21	;	;	PUNCT
afbr-71	22	22	otherwise	otherwise	ADV
afbr-71	22	23	the	the	DET
afbr-71	22	24	capital	capital	NOUN
afbr-71	22	25	can	can	AUX
afbr-71	22	26	be	be	AUX
afbr-71	22	27	jammed	jam	VERB
afbr-71	22	28	in	in	ADP
afbr-71	22	29	unprofitable	unprofitable	ADJ
afbr-71	22	30	projects	project	NOUN
afbr-71	22	31	and	and	CCONJ
afbr-71	22	32	sectors	sector	NOUN
afbr-71	22	33	which	which	PRON
afbr-71	22	34	not	not	PART
afbr-71	22	35	only	only	ADV
afbr-71	22	36	damage	damage	VERB
afbr-71	22	37	the	the	DET
afbr-71	22	38	financial	financial	ADJ
afbr-71	22	39	health	health	NOUN
afbr-71	22	40	of	of	ADP
afbr-71	22	41	banks	bank	NOUN
afbr-71	22	42	but	but	CCONJ
afbr-71	22	43	also	also	ADV
afbr-71	22	44	the	the	DET
afbr-71	22	45	economic	economic	ADJ
afbr-71	22	46	stability	stability	NOUN
afbr-71	22	47	of	of	ADP
afbr-71	22	48	the	the	DET
afbr-71	22	49	country	country	NOUN
afbr-71	22	50	.	.	PUNCT
afbr-71	23	1	in	in	ADP
afbr-71	23	2	order	order	NOUN
afbr-71	23	3	to	to	PART
afbr-71	23	4	control	control	VERB
afbr-71	23	5	the	the	DET
afbr-71	23	6	non	non	ADJ
afbr-71	23	7	-	-	ADJ
afbr-71	23	8	performing	performing	ADJ
afbr-71	23	9	loans	loan	NOUN
afbr-71	23	10	,	,	PUNCT
afbr-71	23	11	it	it	PRON
afbr-71	23	12	is	be	AUX
afbr-71	23	13	necessary	necessary	ADJ
afbr-71	23	14	to	to	PART
afbr-71	23	15	know	know	VERB
afbr-71	23	16	their	their	PRON
afbr-71	23	17	root	root	NOUN
afbr-71	23	18	causes	cause	NOUN
afbr-71	23	19	in	in	ADP
afbr-71	23	20	the	the	DET
afbr-71	23	21	particular	particular	ADJ
afbr-71	23	22	financial	financial	ADJ
afbr-71	23	23	sector	sector	NOUN
afbr-71	23	24	(	(	PUNCT
afbr-71	23	25	rajaraman	rajaraman	NOUN
afbr-71	23	26	&	&	CCONJ
afbr-71	23	27	vasistha	vasistha	PROPN
afbr-71	23	28	,	,	PUNCT
afbr-71	23	29	2002	2002	NUM
afbr-71	23	30	)	)	PUNCT
afbr-71	23	31	.	.	PUNCT
afbr-71	24	1	kassim	kassim	PROPN
afbr-71	24	2	(	(	PUNCT
afbr-71	24	3	2002	2002	NUM
afbr-71	24	4	)	)	PUNCT
afbr-71	24	5	suggests	suggest	VERB
afbr-71	24	6	that	that	SCONJ
afbr-71	24	7	some	some	DET
afbr-71	24	8	causes	cause	NOUN
afbr-71	24	9	of	of	ADP
afbr-71	24	10	non	non	ADJ
afbr-71	24	11	-	-	ADJ
afbr-71	24	12	performing	performing	ADJ
afbr-71	24	13	loans	loan	NOUN
afbr-71	24	14	(	(	PUNCT
afbr-71	24	15	npls	npls	NOUN
afbr-71	24	16	)	)	PUNCT
afbr-71	24	17	include	include	VERB
afbr-71	24	18	:	:	PUNCT
afbr-71	24	19	poor	poor	ADJ
afbr-71	24	20	management	management	NOUN
afbr-71	24	21	,	,	PUNCT
afbr-71	24	22	lack	lack	NOUN
afbr-71	24	23	of	of	ADP
afbr-71	24	24	sound	sound	ADJ
afbr-71	24	25	credit	credit	NOUN
afbr-71	24	26	policy	policy	NOUN
afbr-71	24	27	,	,	PUNCT
afbr-71	24	28	inadequate	inadequate	ADJ
afbr-71	24	29	credit	credit	NOUN
afbr-71	24	30	analysis	analysis	NOUN
afbr-71	24	31	,	,	PUNCT
afbr-71	24	32	errors	error	NOUN
afbr-71	24	33	in	in	ADP
afbr-71	24	34	documentations	documentation	NOUN
afbr-71	24	35	,	,	PUNCT
afbr-71	24	36	undue	undue	ADJ
afbr-71	24	37	emphasis	emphasis	NOUN
afbr-71	24	38	on	on	ADP
afbr-71	24	39	profitability	profitability	NOUN
afbr-71	24	40	at	at	ADP
afbr-71	24	41	the	the	DET
afbr-71	24	42	expense	expense	NOUN
afbr-71	24	43	of	of	ADP
afbr-71	24	44	loan	loan	NOUN
afbr-71	24	45	quality	quality	NOUN
afbr-71	24	46	,	,	PUNCT
afbr-71	24	47	fraudulent	fraudulent	ADJ
afbr-71	24	48	practices	practice	NOUN
afbr-71	24	49	(	(	PUNCT
afbr-71	24	50	diwan	diwan	PROPN
afbr-71	24	51	&	&	CCONJ
afbr-71	24	52	rodick	rodick	PROPN
afbr-71	24	53	,	,	PUNCT
afbr-71	24	54	1992	1992	NUM
afbr-71	24	55	;	;	PUNCT
afbr-71	24	56	diwan	diwan	PROPN
afbr-71	24	57	&	&	CCONJ
afbr-71	24	58	rodick	rodick	PROPN
afbr-71	24	59	,	,	PUNCT
afbr-71	24	60	1992	1992	NUM
afbr-71	24	61	)	)	PUNCT
afbr-71	24	62	,	,	PUNCT
afbr-71	24	63	political	political	ADJ
afbr-71	24	64	instability	instability	NOUN
afbr-71	24	65	,	,	PUNCT
afbr-71	24	66	economic	economic	ADJ
afbr-71	24	67	depression	depression	NOUN
afbr-71	24	68	,	,	PUNCT
afbr-71	24	69	abnormal	abnormal	ADJ
afbr-71	24	70	competition	competition	NOUN
afbr-71	24	71	,	,	PUNCT
afbr-71	24	72	policy	policy	NOUN
afbr-71	24	73	and	and	CCONJ
afbr-71	24	74	regulatory	regulatory	ADJ
afbr-71	24	75	inconsistencies	inconsistency	NOUN
afbr-71	24	76	,	,	PUNCT
afbr-71	24	77	weak	weak	ADJ
afbr-71	24	78	real	real	ADJ
afbr-71	24	79	sector	sector	NOUN
afbr-71	24	80	,	,	PUNCT
afbr-71	24	81	political	political	ADJ
afbr-71	24	82	and	and	CCONJ
afbr-71	24	83	social	social	ADJ
afbr-71	24	84	influence	influence	NOUN
afbr-71	24	85	on	on	ADP
afbr-71	24	86	bank	bank	PROPN
afbr-71	24	87	operators	operator	NOUN
afbr-71	24	88	etc	etc	X
afbr-71	24	89	.	.	X
afbr-71	24	90	non	non	ADJ
afbr-71	24	91	-	-	ADJ
afbr-71	24	92	performing	performing	ADJ
afbr-71	24	93	loans	loan	NOUN
afbr-71	24	94	(	(	PUNCT
afbr-71	24	95	npls	npls	NOUN
afbr-71	24	96	)	)	PUNCT
afbr-71	24	97	have	have	AUX
afbr-71	24	98	gained	gain	VERB
afbr-71	24	99	world	world	NOUN
afbr-71	24	100	’s	’s	PART
afbr-71	24	101	attention	attention	NOUN
afbr-71	24	102	in	in	ADP
afbr-71	24	103	the	the	DET
afbr-71	24	104	last	last	ADJ
afbr-71	24	105	three	three	NUM
afbr-71	24	106	to	to	PART
afbr-71	24	107	four	four	NUM
afbr-71	24	108	decades	decade	NOUN
afbr-71	24	109	as	as	SCONJ
afbr-71	24	110	these	these	DET
afbr-71	24	111	increasing	increase	VERB
afbr-71	24	112	non	non	ADJ
afbr-71	24	113	-	-	ADJ
afbr-71	24	114	performing	performing	ADJ
afbr-71	24	115	loans	loan	NOUN
afbr-71	24	116	are	be	AUX
afbr-71	24	117	causing	cause	VERB
afbr-71	24	118	banking	banking	NOUN
afbr-71	24	119	crisis	crisis	NOUN
afbr-71	24	120	which	which	PRON
afbr-71	24	121	are	be	AUX
afbr-71	24	122	turning	turn	VERB
afbr-71	24	123	into	into	ADP
afbr-71	24	124	banking	banking	NOUN
afbr-71	24	125	failures	failure	NOUN
afbr-71	24	126	(	(	PUNCT
afbr-71	24	127	siems	siem	NOUN
afbr-71	24	128	&	&	CCONJ
afbr-71	24	129	barr	barr	PROPN
afbr-71	24	130	,	,	PUNCT
afbr-71	24	131	1994	1994	NUM
afbr-71	24	132	)	)	PUNCT
afbr-71	24	133	.	.	PUNCT
afbr-71	25	1	according	accord	VERB
afbr-71	25	2	to	to	ADP
afbr-71	25	3	k.k	k.k	PROPN
afbr-71	25	4	&	&	CCONJ
afbr-71	25	5	pillai	pillai	PROPN
afbr-71	25	6	(	(	PUNCT
afbr-71	25	7	2012	2012	NUM
afbr-71	25	8	,	,	PUNCT
afbr-71	25	9	p.	p.	NOUN
afbr-71	25	10	3	3	NUM
afbr-71	25	11	)	)	PUNCT
afbr-71	25	12	,	,	PUNCT
afbr-71	25	13	some	some	PRON
afbr-71	25	14	of	of	ADP
afbr-71	25	15	the	the	DET
afbr-71	25	16	important	important	ADJ
afbr-71	25	17	reasons	reason	NOUN
afbr-71	25	18	for	for	ADP
afbr-71	25	19	non	non	ADJ
afbr-71	25	20	performing	perform	VERB
afbr-71	25	21	asset	asset	NOUN
afbr-71	25	22	,	,	PUNCT
afbr-71	25	23	that	that	PRON
afbr-71	25	24	should	should	AUX
afbr-71	25	25	be	be	AUX
afbr-71	25	26	closely	closely	ADV
afbr-71	25	27	monitored	monitor	VERB
afbr-71	25	28	by	by	ADP
afbr-71	25	29	the	the	DET
afbr-71	25	30	banks	bank	NOUN
afbr-71	25	31	.	.	PUNCT
afbr-71	26	1	these	these	DET
afbr-71	26	2	mentioned	mention	VERB
afbr-71	26	3	reasons	reason	NOUN
afbr-71	26	4	are	be	AUX
afbr-71	26	5	summarized	summarize	VERB
afbr-71	26	6	below	below	ADP
afbr-71	26	7	:	:	PUNCT
afbr-71	26	8			PROPN
afbr-71	26	9	willful	willful	ADJ
afbr-71	26	10	defaults	default	NOUN
afbr-71	26	11	,	,	PUNCT
afbr-71	26	12	exhaust	exhaust	NOUN
afbr-71	26	13	off	off	ADP
afbr-71	26	14	of	of	ADP
afbr-71	26	15	funds	fund	NOUN
afbr-71	26	16	,	,	PUNCT
afbr-71	26	17	fraud	fraud	NOUN
afbr-71	26	18	,	,	PUNCT
afbr-71	26	19	disputes	dispute	NOUN
afbr-71	26	20	,	,	PUNCT
afbr-71	26	21	management	management	NOUN
afbr-71	26	22	disputes	dispute	NOUN
afbr-71	26	23	,	,	PUNCT
afbr-71	26	24	mismanagement	mismanagement	NOUN
afbr-71	26	25	,	,	PUNCT
afbr-71	26	26	misappropriation	misappropriation	NOUN
afbr-71	26	27	of	of	ADP
afbr-71	26	28	funds	fund	NOUN
afbr-71	26	29	etc	etc	X
afbr-71	26	30	.	.	X
afbr-71	26	31	,	,	PUNCT
afbr-71	26	32			PRON
afbr-71	26	33	lack	lack	NOUN
afbr-71	26	34	of	of	ADP
afbr-71	26	35	proper	proper	ADJ
afbr-71	26	36	pre	pre	ADJ
afbr-71	26	37	-	-	ADJ
afbr-71	26	38	appraisal	appraisal	NOUN
afbr-71	26	39	of	of	ADP
afbr-71	26	40	credit	credit	NOUN
afbr-71	26	41	proposal	proposal	NOUN
afbr-71	26	42	and	and	CCONJ
afbr-71	26	43	follow	follow	VERB
afbr-71	26	44	up	up	ADP
afbr-71	26	45	.	.	PUNCT
afbr-71	27	1			X
afbr-71	27	2	improper	improper	ADJ
afbr-71	27	3	selection	selection	NOUN
afbr-71	27	4	of	of	ADP
afbr-71	27	5	borrowers	borrower	NOUN
afbr-71	27	6	/	/	SYM
afbr-71	27	7	activities	activity	NOUN
afbr-71	27	8	.	.	PUNCT
afbr-71	28	1			X
afbr-71	28	2	inadequate	inadequate	ADJ
afbr-71	28	3	working	work	VERB
afbr-71	28	4	capital	capital	NOUN
afbr-71	28	5	leading	lead	VERB
afbr-71	28	6	to	to	ADP
afbr-71	28	7	operational	operational	ADJ
afbr-71	28	8	issues	issue	NOUN
afbr-71	28	9	.	.	PUNCT
afbr-71	29	1	under	under	ADP
afbr-71	29	2	financing	financing	NOUN
afbr-71	29	3	/	/	SYM
afbr-71	29	4	untimely	untimely	ADJ
afbr-71	29	5	financing	financing	NOUN
afbr-71	29	6	.	.	PUNCT
afbr-71	30	1			PRON
afbr-71	30	2	delay	delay	NOUN
afbr-71	30	3	in	in	ADP
afbr-71	30	4	completing	complete	VERB
afbr-71	30	5	the	the	DET
afbr-71	30	6	project	project	NOUN
afbr-71	30	7	.	.	PUNCT
afbr-71	31	1			X
afbr-71	32	1	non	non	PROPN
afbr-71	32	2	-	-	NOUN
afbr-71	32	3	compliance	compliance	NOUN
afbr-71	32	4	of	of	ADP
afbr-71	32	5	sanction	sanction	NOUN
afbr-71	32	6	terms	term	NOUN
afbr-71	32	7	and	and	CCONJ
afbr-71	32	8	conditions	condition	NOUN
afbr-71	32	9	.	.	PUNCT
afbr-71	33	1			PRON
afbr-71	33	2	poor	poor	ADJ
afbr-71	33	3	debt	debt	NOUN
afbr-71	33	4	management	management	NOUN
afbr-71	33	5	by	by	ADP
afbr-71	33	6	the	the	DET
afbr-71	33	7	borrower	borrower	NOUN
afbr-71	33	8	,	,	PUNCT
afbr-71	33	9	leading	lead	VERB
afbr-71	33	10	to	to	ADP
afbr-71	33	11	financial	financial	ADJ
afbr-71	33	12	crisis	crisis	NOUN
afbr-71	33	13	.	.	PUNCT
afbr-71	34	1			NOUN
afbr-71	34	2	excess	excess	ADJ
afbr-71	34	3	capacities	capacity	NOUN
afbr-71	34	4	created	create	VERB
afbr-71	34	5	on	on	ADP
afbr-71	34	6	non	non	ADJ
afbr-71	34	7	-	-	ADJ
afbr-71	34	8	economic	economic	ADJ
afbr-71	34	9	costs	cost	NOUN
afbr-71	34	10	.	.	PUNCT
afbr-71	35	1			X
afbr-71	35	2	in	in	ADP
afbr-71	35	3	-	-	PUNCT
afbr-71	35	4	ability	ability	NOUN
afbr-71	35	5	of	of	ADP
afbr-71	35	6	the	the	DET
afbr-71	35	7	corporate	corporate	NOUN
afbr-71	35	8	to	to	PART
afbr-71	35	9	raise	raise	VERB
afbr-71	35	10	capital	capital	NOUN
afbr-71	35	11	through	through	ADP
afbr-71	35	12	the	the	DET
afbr-71	35	13	issue	issue	NOUN
afbr-71	35	14	of	of	ADP
afbr-71	35	15	equity	equity	NOUN
afbr-71	35	16	or	or	CCONJ
afbr-71	35	17	other	other	ADJ
afbr-71	35	18	debt	debt	NOUN
afbr-71	35	19	instrument	instrument	NOUN
afbr-71	35	20	from	from	ADP
afbr-71	35	21	capital	capital	NOUN
afbr-71	35	22	markets	market	NOUN
afbr-71	35	23	.	.	PUNCT
afbr-71	36	1			NOUN
afbr-71	36	2	business	business	NOUN
afbr-71	36	3	failures	failure	NOUN
afbr-71	36	4	.	.	PUNCT
afbr-71	37	1			PRON
afbr-71	37	2	failures	failure	NOUN
afbr-71	37	3	to	to	PART
afbr-71	37	4	make	make	VERB
afbr-71	37	5	out	out	ADP
afbr-71	37	6	problems	problem	NOUN
afbr-71	37	7	in	in	ADP
afbr-71	37	8	advance	advance	NOUN
afbr-71	37	9	.	.	PUNCT
afbr-71	38	1			NOUN
afbr-71	38	2	diversion	diversion	NOUN
afbr-71	38	3	of	of	ADP
afbr-71	38	4	funds	fund	NOUN
afbr-71	38	5	for	for	ADP
afbr-71	38	6	expansion\modernization\setting	expansion\modernization\sette	VERB
afbr-71	38	7	up	up	ADP
afbr-71	38	8	new	new	ADJ
afbr-71	38	9	projects\	projects\	PROPN
afbr-71	38	10	serving	serve	VERB
afbr-71	38	11	or	or	CCONJ
afbr-71	38	12	endorsing	endorse	VERB
afbr-71	38	13	sister	sister	NOUN
afbr-71	38	14	concerns	concern	NOUN
afbr-71	38	15	.	.	PUNCT
afbr-71	39	1			PRON
afbr-71	39	2	lack	lack	NOUN
afbr-71	39	3	on	on	ADP
afbr-71	39	4	the	the	DET
afbr-71	39	5	part	part	NOUN
afbr-71	39	6	of	of	ADP
afbr-71	39	7	the	the	DET
afbr-71	39	8	banks	bank	NOUN
afbr-71	39	9	viz	viz	VERB
afbr-71	39	10	.	.	PUNCT
afbr-71	40	1	in	in	ADP
afbr-71	40	2	credit	credit	NOUN
afbr-71	40	3	appraisal	appraisal	NOUN
afbr-71	40	4	,	,	PUNCT
afbr-71	40	5	monitoring	monitoring	NOUN
afbr-71	40	6	and	and	CCONJ
afbr-71	40	7	follow	follow	NOUN
afbr-71	40	8	-	-	PUNCT
afbr-71	40	9	ups	up	NOUN
afbr-71	40	10	,	,	PUNCT
afbr-71	40	11	delay	delay	NOUN
afbr-71	40	12	in	in	ADP
afbr-71	40	13	settlement	settlement	NOUN
afbr-71	40	14	of	of	ADP
afbr-71	40	15	payments	payment	NOUN
afbr-71	40	16	/	/	SYM
afbr-71	40	17	subsidiaries	subsidiary	NOUN
afbr-71	40	18	by	by	ADP
afbr-71	40	19	government	government	NOUN
afbr-71	40	20	bodies	body	NOUN
afbr-71	40	21	etc	etc	X
afbr-71	40	22	.	.	X
afbr-71	40	23	,	,	PUNCT
afbr-71	40	24			NOUN
afbr-71	40	25	time	time	NOUN
afbr-71	40	26	involved	involve	VERB
afbr-71	40	27	in	in	ADP
afbr-71	40	28	the	the	DET
afbr-71	40	29	legal	legal	ADJ
afbr-71	40	30	process	process	NOUN
afbr-71	40	31	and	and	CCONJ
afbr-71	40	32	realization	realization	NOUN
afbr-71	40	33	of	of	ADP
afbr-71	40	34	securities	security	NOUN
afbr-71	40	35	.	.	PUNCT
afbr-71	41	1			X
afbr-71	42	1	the	the	DET
afbr-71	42	2	management	management	NOUN
afbr-71	42	3	of	of	ADP
afbr-71	42	4	non	non	ADJ
afbr-71	42	5	-	-	ADJ
afbr-71	42	6	performing	performing	ADJ
afbr-71	42	7	loans	loan	NOUN
afbr-71	42	8	is	be	AUX
afbr-71	42	9	often	often	ADV
afbr-71	42	10	associated	associate	VERB
afbr-71	42	11	with	with	ADP
afbr-71	42	12	high	high	ADJ
afbr-71	42	13	operational	operational	ADJ
afbr-71	42	14	costs	cost	NOUN
afbr-71	42	15	leading	lead	VERB
afbr-71	42	16	to	to	ADP
afbr-71	42	17	declining	decline	VERB
afbr-71	42	18	capital	capital	NOUN
afbr-71	42	19	growths	growth	NOUN
afbr-71	42	20	in	in	ADP
afbr-71	42	21	the	the	DET
afbr-71	42	22	affected	affected	ADJ
afbr-71	42	23	banks	bank	NOUN
afbr-71	42	24	.	.	PUNCT
afbr-71	43	1	non	non	ADJ
afbr-71	43	2	-	-	ADJ
afbr-71	43	3	performing	perform	VERB
afbr-71	43	4	loans	loan	NOUN
afbr-71	43	5	reduces	reduce	VERB
afbr-71	43	6	the	the	DET
afbr-71	43	7	liquidity	liquidity	NOUN
afbr-71	43	8	of	of	ADP
afbr-71	43	9	banks	bank	NOUN
afbr-71	43	10	,	,	PUNCT
afbr-71	43	11	deform	deform	VERB
afbr-71	43	12	credit	credit	NOUN
afbr-71	43	13	expansion	expansion	NOUN
afbr-71	43	14	,	,	PUNCT
afbr-71	43	15	and	and	CCONJ
afbr-71	43	16	slows	slow	VERB
afbr-71	43	17	down	down	ADP
afbr-71	43	18	the	the	DET
afbr-71	43	19	growth	growth	NOUN
afbr-71	43	20	of	of	ADP
afbr-71	43	21	the	the	DET
afbr-71	43	22	real	real	ADJ
afbr-71	43	23	sector	sector	NOUN
afbr-71	43	24	with	with	ADP
afbr-71	43	25	direct	direct	ADJ
afbr-71	43	26	consequences	consequence	NOUN
afbr-71	43	27	for	for	ADP
afbr-71	43	28	the	the	DET
afbr-71	43	29	performance	performance	NOUN
afbr-71	43	30	of	of	ADP
afbr-71	43	31	banks	bank	NOUN
afbr-71	43	32	.	.	PUNCT
afbr-71	44	1	so	so	ADV
afbr-71	44	2	,	,	PUNCT
afbr-71	44	3	that	that	SCONJ
afbr-71	44	4	credit	credit	NOUN
afbr-71	44	5	monitoring	monitoring	NOUN
afbr-71	44	6	is	be	AUX
afbr-71	44	7	a	a	DET
afbr-71	44	8	useful	useful	ADJ
afbr-71	44	9	tool	tool	NOUN
afbr-71	44	10	to	to	PART
afbr-71	44	11	identify	identify	VERB
afbr-71	44	12	the	the	DET
afbr-71	44	13	earning	earn	VERB
afbr-71	44	14	warning	warning	NOUN
afbr-71	44	15	signal	signal	NOUN
afbr-71	44	16	of	of	ADP
afbr-71	44	17	the	the	DET
afbr-71	44	18	borrowers	borrower	NOUN
afbr-71	44	19	.	.	PUNCT
afbr-71	45	1	the	the	DET
afbr-71	45	2	regular	regular	ADJ
afbr-71	45	3	monthly	monthly	ADJ
afbr-71	45	4	helps	help	NOUN
afbr-71	45	5	to	to	PART
afbr-71	45	6	diagnosis	diagnosis	VERB
afbr-71	45	7	of	of	ADP
afbr-71	45	8	the	the	DET
afbr-71	45	9	real	real	ADJ
afbr-71	45	10	cause	cause	NOUN
afbr-71	45	11	of	of	ADP
afbr-71	45	12	npl	npl	NOUN
afbr-71	45	13	and	and	CCONJ
afbr-71	45	14	assist	assist	VERB
afbr-71	45	15	to	to	PART
afbr-71	45	16	improve	improve	VERB
afbr-71	45	17	the	the	DET
afbr-71	45	18	credit	credit	NOUN
afbr-71	45	19	quality	quality	NOUN
afbr-71	45	20	.	.	PUNCT
afbr-71	46	1			PUNCT
afbr-71	47	1	the	the	DET
afbr-71	47	2	risk	risk	NOUN
afbr-71	47	3	is	be	AUX
afbr-71	47	4	being	be	AUX
afbr-71	47	5	assessed	assess	VERB
afbr-71	47	6	in	in	ADP
afbr-71	47	7	terms	term	NOUN
afbr-71	47	8	of	of	ADP
afbr-71	47	9	the	the	DET
afbr-71	47	10	sternness	sternness	NOUN
afbr-71	47	11	of	of	ADP
afbr-71	47	12	the	the	DET
afbr-71	47	13	impact	impact	NOUN
afbr-71	47	14	,	,	PUNCT
afbr-71	47	15	likelihood	likelihood	NOUN
afbr-71	47	16	of	of	ADP
afbr-71	47	17	occurring	occur	VERB
afbr-71	47	18	and	and	CCONJ
afbr-71	47	19	controllability	controllability	NOUN
afbr-71	47	20	(	(	PUNCT
afbr-71	47	21	gray	gray	PROPN
afbr-71	47	22	&	&	CCONJ
afbr-71	47	23	larson	larson	PROPN
afbr-71	47	24	,	,	PUNCT
afbr-71	47	25	2008	2008	NUM
afbr-71	47	26	,	,	PUNCT
afbr-71	47	27	p.	p.	NOUN
afbr-71	47	28	215	215	NUM
afbr-71	47	29	)	)	PUNCT
afbr-71	47	30	.	.	PUNCT
afbr-71	48	1	so	so	ADV
afbr-71	48	2	that	that	SCONJ
afbr-71	48	3	credit	credit	NOUN
afbr-71	48	4	monitoring	monitoring	NOUN
afbr-71	48	5	and	and	CCONJ
afbr-71	48	6	review	review	VERB
afbr-71	48	7	renewal	renewal	NOUN
afbr-71	48	8	of	of	ADP
afbr-71	48	9	the	the	DET
afbr-71	48	10	existing	exist	VERB
afbr-71	48	11	credit	credit	NOUN
afbr-71	48	12	limit	limit	NOUN
afbr-71	48	13	for	for	ADP
afbr-71	48	14	the	the	DET
afbr-71	48	15	client	client	NOUN
afbr-71	48	16	are	be	AUX
afbr-71	48	17	the	the	DET
afbr-71	48	18	post	post	NOUN
afbr-71	48	19	sanction	sanction	NOUN
afbr-71	48	20	activities	activity	NOUN
afbr-71	48	21	of	of	ADP
afbr-71	48	22	the	the	DET
afbr-71	48	23	banks	bank	NOUN
afbr-71	48	24	.	.	PUNCT
afbr-71	49	1	credit	credit	NOUN
afbr-71	49	2	monitoring	monitoring	NOUN
afbr-71	49	3	is	be	AUX
afbr-71	49	4	performed	perform	VERB
afbr-71	49	5	by	by	ADP
afbr-71	49	6	prioritizing	prioritize	VERB
afbr-71	49	7	the	the	DET
afbr-71	49	8	risk	risk	NOUN
afbr-71	49	9	either	either	CCONJ
afbr-71	49	10	by	by	ADP
afbr-71	49	11	using	use	VERB
afbr-71	49	12	off	off	ADP
afbr-71	49	13	site	site	NOUN
afbr-71	49	14	or	or	CCONJ
afbr-71	49	15	onsite	onsite	VERB
afbr-71	49	16	for	for	ADP
afbr-71	49	17	risk	risk	NOUN
afbr-71	49	18	evaluation	evaluation	NOUN
afbr-71	49	19	.	.	PUNCT
afbr-71	50	1	(	(	PUNCT
afbr-71	50	2	williams	williams	PROPN
afbr-71	50	3	,	,	PUNCT
afbr-71	50	4	et	et	PROPN
afbr-71	50	5	al	al	PROPN
afbr-71	50	6	.	.	PROPN
afbr-71	50	7	,	,	PUNCT
afbr-71	50	8	2006	2006	NUM
afbr-71	50	9	,	,	PUNCT
afbr-71	50	10	p.	p.	NOUN
afbr-71	50	11	70	70	NUM
afbr-71	50	12	)	)	PUNCT
afbr-71	50	13	.	.	PUNCT
afbr-71	51	1	this	this	DET
afbr-71	51	2	monitoring	monitoring	NOUN
afbr-71	51	3	is	be	AUX
afbr-71	51	4	based	base	VERB
afbr-71	51	5	on	on	ADP
afbr-71	51	6	the	the	DET
afbr-71	51	7	likelihood	likelihood	NOUN
afbr-71	51	8	and	and	CCONJ
afbr-71	51	9	consequences	consequence	NOUN
afbr-71	51	10	.	.	PUNCT
afbr-71	52	1	likelihood	likelihood	NOUN
afbr-71	52	2	depends	depend	VERB
afbr-71	52	3	on	on	ADP
afbr-71	52	4	the	the	DET
afbr-71	52	5	probability	probability	NOUN
afbr-71	52	6	that	that	SCONJ
afbr-71	52	7	the	the	DET
afbr-71	52	8	risk	risk	NOUN
afbr-71	52	9	will	will	AUX
afbr-71	52	10	occur	occur	VERB
afbr-71	52	11	comparative	comparative	ADJ
afbr-71	52	12	study	study	NOUN
afbr-71	52	13	on	on	ADP
afbr-71	52	14	credit	credit	NOUN
afbr-71	52	15	monitoring	monitoring	NOUN
afbr-71	52	16	practices	practice	NOUN
afbr-71	52	17	in	in	ADP
afbr-71	52	18	slected	slecte	VERB
afbr-71	52	19	banks	bank	NOUN
afbr-71	52	20	of	of	ADP
afbr-71	52	21	nepal	nepal	ADJ
afbr-71	52	22	fatta	fatta	PROPN
afbr-71	52	23	bahadur	bahadur	PROPN
afbr-71	52	24	k.c	k.c	PROPN
afbr-71	52	25	and	and	CCONJ
afbr-71	52	26	indra	indra	PROPN
afbr-71	52	27	kumar	kumar	PROPN
afbr-71	52	28	kattel	kattel	PROPN
afbr-71	52	29	16	16	NUM
afbr-71	52	30	and	and	CCONJ
afbr-71	52	31	how	how	SCONJ
afbr-71	52	32	frequently	frequently	ADV
afbr-71	52	33	it	it	PRON
afbr-71	52	34	will	will	AUX
afbr-71	52	35	take	take	VERB
afbr-71	52	36	place	place	NOUN
afbr-71	52	37	.	.	PUNCT
afbr-71	53	1	while	while	SCONJ
afbr-71	53	2	,	,	PUNCT
afbr-71	53	3	consequences	consequence	NOUN
afbr-71	53	4	on	on	ADP
afbr-71	53	5	the	the	DET
afbr-71	53	6	other	other	ADJ
afbr-71	53	7	hand	hand	NOUN
afbr-71	53	8	can	can	AUX
afbr-71	53	9	be	be	AUX
afbr-71	53	10	calculated	calculate	VERB
afbr-71	53	11	by	by	ADP
afbr-71	53	12	looking	look	VERB
afbr-71	53	13	at	at	ADP
afbr-71	53	14	the	the	DET
afbr-71	53	15	effects	effect	NOUN
afbr-71	53	16	on	on	ADP
afbr-71	53	17	results	result	NOUN
afbr-71	53	18	or	or	CCONJ
afbr-71	53	19	on	on	ADP
afbr-71	53	20	the	the	DET
afbr-71	53	21	enablers	enabler	NOUN
afbr-71	53	22	of	of	ADP
afbr-71	53	23	results	result	NOUN
afbr-71	53	24	(	(	PUNCT
afbr-71	53	25	williams	williams	PROPN
afbr-71	53	26	,	,	PUNCT
afbr-71	53	27	et	et	PROPN
afbr-71	53	28	al	al	PROPN
afbr-71	53	29	.	.	PROPN
afbr-71	53	30	,	,	PUNCT
afbr-71	53	31	2006	2006	NUM
afbr-71	53	32	,	,	PUNCT
afbr-71	53	33	p.	p.	NOUN
afbr-71	53	34	70	70	NUM
afbr-71	53	35	)	)	PUNCT
afbr-71	53	36	.	.	PUNCT
afbr-71	54	1	for	for	ADP
afbr-71	54	2	this	this	DET
afbr-71	54	3	purpose	purpose	NOUN
afbr-71	54	4	,	,	PUNCT
afbr-71	54	5	banks	bank	NOUN
afbr-71	54	6	adopt	adopt	VERB
afbr-71	54	7	the	the	DET
afbr-71	54	8	various	various	ADJ
afbr-71	54	9	monitoring	monitoring	NOUN
afbr-71	54	10	and	and	CCONJ
afbr-71	54	11	follow	follow	VERB
afbr-71	54	12	up	up	ADP
afbr-71	54	13	tools	tool	NOUN
afbr-71	54	14	to	to	PART
afbr-71	54	15	know	know	VERB
afbr-71	54	16	the	the	DET
afbr-71	54	17	actual	actual	ADJ
afbr-71	54	18	position	position	NOUN
afbr-71	54	19	of	of	ADP
afbr-71	54	20	the	the	DET
afbr-71	54	21	credit	credit	NOUN
afbr-71	54	22	clients	client	NOUN
afbr-71	54	23	.	.	PUNCT
afbr-71	55	1	hence	hence	ADV
afbr-71	55	2	,	,	PUNCT
afbr-71	55	3	credit	credit	NOUN
afbr-71	55	4	monitoring	monitoring	NOUN
afbr-71	55	5	is	be	AUX
afbr-71	55	6	then	then	ADV
afbr-71	55	7	carried	carry	VERB
afbr-71	55	8	out	out	ADP
afbr-71	55	9	when	when	SCONJ
afbr-71	55	10	an	an	DET
afbr-71	55	11	appropriate	appropriate	ADJ
afbr-71	55	12	risk	risk	NOUN
afbr-71	55	13	appraisal	appraisal	NOUN
afbr-71	55	14	tools	tool	NOUN
afbr-71	55	15	has	have	AUX
afbr-71	55	16	been	be	AUX
afbr-71	55	17	assumed	assume	VERB
afbr-71	55	18	.	.	PUNCT
afbr-71	56	1	an	an	DET
afbr-71	56	2	assessment	assessment	NOUN
afbr-71	56	3	is	be	AUX
afbr-71	56	4	done	do	VERB
afbr-71	56	5	against	against	ADP
afbr-71	56	6	an	an	DET
afbr-71	56	7	appropriate	appropriate	ADJ
afbr-71	56	8	risk	risk	NOUN
afbr-71	56	9	-	-	PUNCT
afbr-71	56	10	acceptance	acceptance	NOUN
afbr-71	56	11	criterion	criterion	NOUN
afbr-71	56	12	to	to	PART
afbr-71	56	13	give	give	VERB
afbr-71	56	14	a	a	DET
afbr-71	56	15	risk	risk	NOUN
afbr-71	56	16	level	level	NOUN
afbr-71	56	17	of	of	ADP
afbr-71	56	18	the	the	DET
afbr-71	56	19	credit	credit	NOUN
afbr-71	56	20	(	(	PUNCT
afbr-71	56	21	williams	williams	PROPN
afbr-71	56	22	,	,	PUNCT
afbr-71	56	23	et	et	PROPN
afbr-71	56	24	al	al	PROPN
afbr-71	56	25	.	.	PROPN
afbr-71	56	26	,	,	PUNCT
afbr-71	56	27	2006	2006	NUM
afbr-71	56	28	,	,	PUNCT
afbr-71	56	29	p.	p.	NOUN
afbr-71	56	30	70	70	NUM
afbr-71	56	31	)	)	PUNCT
afbr-71	56	32	.	.	PUNCT
afbr-71	57	1	therefore	therefore	ADV
afbr-71	57	2	,	,	PUNCT
afbr-71	57	3	monitoring	monitoring	NOUN
afbr-71	57	4	and	and	CCONJ
afbr-71	57	5	control	control	NOUN
afbr-71	57	6	is	be	AUX
afbr-71	57	7	equally	equally	ADV
afbr-71	57	8	important	important	ADJ
afbr-71	57	9	for	for	ADP
afbr-71	57	10	credit	credit	NOUN
afbr-71	57	11	risk	risk	NOUN
afbr-71	57	12	management	management	NOUN
afbr-71	57	13	practice	practice	NOUN
afbr-71	57	14	in	in	ADP
afbr-71	57	15	banking	banking	NOUN
afbr-71	57	16	sectors	sector	NOUN
afbr-71	57	17	.	.	PUNCT
afbr-71	58	1	during	during	ADP
afbr-71	58	2	the	the	DET
afbr-71	58	3	post	post	NOUN
afbr-71	58	4	credit	credit	NOUN
afbr-71	58	5	appraisal	appraisal	NOUN
afbr-71	58	6	,	,	PUNCT
afbr-71	58	7	banks	bank	NOUN
afbr-71	58	8	try	try	VERB
afbr-71	58	9	to	to	PART
afbr-71	58	10	find	find	VERB
afbr-71	58	11	out	out	ADP
afbr-71	58	12	risk	risk	NOUN
afbr-71	58	13	level	level	NOUN
afbr-71	58	14	from	from	ADP
afbr-71	58	15	the	the	DET
afbr-71	58	16	basic	basic	ADJ
afbr-71	58	17	sources	source	NOUN
afbr-71	58	18	of	of	ADP
afbr-71	58	19	credit	credit	NOUN
afbr-71	58	20	risk	risk	NOUN
afbr-71	58	21	.	.	PUNCT
afbr-71	59	1	1.1	1.1	NUM
afbr-71	59	2	objective	objective	NOUN
afbr-71	59	3	of	of	ADP
afbr-71	59	4	the	the	DET
afbr-71	59	5	research	research	NOUN
afbr-71	59	6	the	the	DET
afbr-71	59	7	major	major	ADJ
afbr-71	59	8	objective	objective	NOUN
afbr-71	59	9	of	of	ADP
afbr-71	59	10	the	the	DET
afbr-71	59	11	study	study	NOUN
afbr-71	59	12	is	be	AUX
afbr-71	59	13	to	to	PART
afbr-71	59	14	compare	compare	VERB
afbr-71	59	15	the	the	DET
afbr-71	59	16	credit	credit	NOUN
afbr-71	59	17	monitoring	monitoring	NOUN
afbr-71	59	18	practices	practice	NOUN
afbr-71	59	19	between	between	ADP
afbr-71	59	20	private	private	ADJ
afbr-71	59	21	sector	sector	NOUN
afbr-71	59	22	banks	bank	NOUN
afbr-71	59	23	and	and	CCONJ
afbr-71	59	24	joint	joint	ADJ
afbr-71	59	25	venture	venture	NOUN
afbr-71	59	26	banks	bank	NOUN
afbr-71	59	27	in	in	ADP
afbr-71	59	28	nepal	nepal	NOUN
afbr-71	59	29	.	.	PUNCT
afbr-71	60	1	the	the	DET
afbr-71	60	2	key	key	ADJ
afbr-71	60	3	objective	objective	NOUN
afbr-71	60	4	of	of	ADP
afbr-71	60	5	this	this	DET
afbr-71	60	6	research	research	NOUN
afbr-71	60	7	is	be	AUX
afbr-71	60	8	to	to	PART
afbr-71	60	9	establish	establish	VERB
afbr-71	60	10	relationship	relationship	NOUN
afbr-71	60	11	credit	credit	NOUN
afbr-71	60	12	monitoring	monitoring	NOUN
afbr-71	60	13	practices	practice	NOUN
afbr-71	60	14	ant	ant	VERB
afbr-71	60	15	its	its	PRON
afbr-71	60	16	explanatory	explanatory	ADJ
afbr-71	60	17	variables	variable	NOUN
afbr-71	60	18	.	.	PUNCT
afbr-71	61	1	1.2	1.2	NUM
afbr-71	61	2	hypothesis	hypothesis	NOUN
afbr-71	61	3	of	of	ADP
afbr-71	61	4	the	the	DET
afbr-71	61	5	research	research	NOUN
afbr-71	61	6	to	to	PART
afbr-71	61	7	fulfill	fulfill	VERB
afbr-71	61	8	the	the	DET
afbr-71	61	9	above	above	ADJ
afbr-71	61	10	define	define	VERB
afbr-71	61	11	objectives	objective	NOUN
afbr-71	61	12	of	of	ADP
afbr-71	61	13	this	this	DET
afbr-71	61	14	study	study	NOUN
afbr-71	61	15	,	,	PUNCT
afbr-71	61	16	the	the	DET
afbr-71	61	17	following	follow	VERB
afbr-71	61	18	hypotheses	hypothesis	NOUN
afbr-71	61	19	were	be	AUX
afbr-71	61	20	developed	develop	VERB
afbr-71	61	21	and	and	CCONJ
afbr-71	61	22	tested	test	VERB
afbr-71	61	23	by	by	ADP
afbr-71	61	24	using	use	VERB
afbr-71	61	25	statistical	statistical	ADJ
afbr-71	61	26	tools	tool	NOUN
afbr-71	61	27	.	.	PUNCT
afbr-71	62	1	h1	h1	PROPN
afbr-71	62	2	:	:	PUNCT
afbr-71	62	3	there	there	PRON
afbr-71	62	4	are	be	VERB
afbr-71	62	5	significant	significant	ADJ
afbr-71	62	6	differences	difference	NOUN
afbr-71	62	7	among	among	ADP
afbr-71	62	8	private	private	ADJ
afbr-71	62	9	sector	sector	NOUN
afbr-71	62	10	and	and	CCONJ
afbr-71	62	11	joint	joint	ADJ
afbr-71	62	12	venture	venture	NOUN
afbr-71	62	13	banks	bank	NOUN
afbr-71	62	14	in	in	ADP
afbr-71	62	15	credit	credit	NOUN
afbr-71	62	16	monitoring	monitoring	NOUN
afbr-71	62	17	practice	practice	NOUN
afbr-71	62	18	.	.	PUNCT
afbr-71	63	1	h2	h2	NOUN
afbr-71	63	2	:	:	PUNCT
afbr-71	63	3	there	there	PRON
afbr-71	63	4	is	be	VERB
afbr-71	63	5	positive	positive	ADJ
afbr-71	63	6	relationship	relationship	NOUN
afbr-71	63	7	between	between	ADP
afbr-71	63	8	credit	credit	NOUN
afbr-71	63	9	monitoring	monitoring	NOUN
afbr-71	63	10	practice	practice	NOUN
afbr-71	63	11	and	and	CCONJ
afbr-71	63	12	its	its	PRON
afbr-71	63	13	explanatory	explanatory	ADJ
afbr-71	63	14	variables	variable	NOUN
afbr-71	63	15	.	.	PUNCT
afbr-71	64	1	1.3	1.3	NUM
afbr-71	64	2	model	model	NOUN
afbr-71	64	3	specification	specification	NOUN
afbr-71	64	4	to	to	PART
afbr-71	64	5	test	test	VERB
afbr-71	64	6	the	the	DET
afbr-71	64	7	above	above	ADJ
afbr-71	64	8	hypothesis	hypothesis	NOUN
afbr-71	64	9	,	,	PUNCT
afbr-71	64	10	following	follow	VERB
afbr-71	64	11	model	model	NOUN
afbr-71	64	12	has	have	AUX
afbr-71	64	13	been	be	AUX
afbr-71	64	14	developed	develop	VERB
afbr-71	64	15	by	by	ADP
afbr-71	64	16	the	the	DET
afbr-71	64	17	researcher	researcher	NOUN
afbr-71	64	18	.	.	PUNCT
afbr-71	65	1	------------------------------(i	------------------------------(i	PUNCT
afbr-71	65	2	)	)	PUNCT
afbr-71	65	3	dependent	dependent	ADJ
afbr-71	65	4	variable	variable	NOUN
afbr-71	65	5	,	,	PUNCT
afbr-71	65	6	y=	y=	NUM
afbr-71	65	7	credit	credit	NOUN
afbr-71	65	8	monitoring	monitoring	NOUN
afbr-71	65	9	practice	practice	NOUN
afbr-71	65	10	(	(	PUNCT
afbr-71	65	11	cmp	cmp	NOUN
afbr-71	65	12	)	)	PUNCT
afbr-71	65	13	independent	independent	ADJ
afbr-71	65	14	variables	variable	NOUN
afbr-71	65	15	are	be	AUX
afbr-71	65	16	explained	explain	VERB
afbr-71	65	17	as	as	SCONJ
afbr-71	65	18	given	give	VERB
afbr-71	65	19	.	.	PUNCT
afbr-71	66	1	x1	x1	PROPN
afbr-71	67	1	=	=	PRON
afbr-71	67	2	periodically	periodically	ADV
afbr-71	67	3	review	review	VERB
afbr-71	67	4	the	the	DET
afbr-71	67	5	security	security	NOUN
afbr-71	67	6	document	document	NOUN
afbr-71	67	7	x2=	x2=	PROPN
afbr-71	67	8	periodically	periodically	ADV
afbr-71	67	9	review	review	VERB
afbr-71	67	10	credit	credit	NOUN
afbr-71	67	11	processing	processing	NOUN
afbr-71	67	12	procedures	procedure	NOUN
afbr-71	67	13	x3=	x3=	PUNCT
afbr-71	68	1	review	review	VERB
afbr-71	68	2	the	the	DET
afbr-71	68	3	compliance	compliance	NOUN
afbr-71	68	4	of	of	ADP
afbr-71	68	5	covenants	covenant	NOUN
afbr-71	68	6	to	to	PART
afbr-71	68	7	find	find	VERB
afbr-71	68	8	out	out	ADP
afbr-71	68	9	the	the	DET
afbr-71	68	10	early	early	ADJ
afbr-71	68	11	warning	warning	NOUN
afbr-71	68	12	signal	signal	NOUN
afbr-71	68	13	of	of	ADP
afbr-71	68	14	the	the	DET
afbr-71	68	15	loan	loan	NOUN
afbr-71	68	16	account	account	NOUN
afbr-71	68	17	in	in	ADP
afbr-71	68	18	time	time	NOUN
afbr-71	68	19	x4	x4	PROPN
afbr-71	68	20	=	=	NOUN
afbr-71	68	21	review	review	NOUN
afbr-71	68	22	is	be	AUX
afbr-71	68	23	a	a	DET
afbr-71	68	24	technique	technique	NOUN
afbr-71	68	25	to	to	PART
afbr-71	68	26	control	control	VERB
afbr-71	68	27	the	the	DET
afbr-71	68	28	default	default	NOUN
afbr-71	68	29	of	of	ADP
afbr-71	68	30	loan	loan	NOUN
afbr-71	68	31	.	.	PUNCT
afbr-71	69	1	x5	x5	NOUN
afbr-71	69	2	=	=	NOUN
afbr-71	69	3	risk	risk	NOUN
afbr-71	69	4	reporting	reporting	NOUN
afbr-71	69	5	system	system	NOUN
afbr-71	69	6	may	may	AUX
afbr-71	69	7	support	support	VERB
afbr-71	69	8	to	to	PART
afbr-71	69	9	revise	revise	VERB
afbr-71	69	10	the	the	DET
afbr-71	69	11	existing	exist	VERB
afbr-71	69	12	policy	policy	NOUN
afbr-71	69	13	and	and	CCONJ
afbr-71	69	14	procedures	procedure	NOUN
afbr-71	69	15	x6=	x6=	X
afbr-71	69	16	review	review	NOUN
afbr-71	69	17	of	of	ADP
afbr-71	69	18	loan	loan	NOUN
afbr-71	69	19	account	account	NOUN
afbr-71	69	20	find	find	VERB
afbr-71	69	21	the	the	DET
afbr-71	69	22	utilization	utilization	NOUN
afbr-71	69	23	of	of	ADP
afbr-71	69	24	limit	limit	NOUN
afbr-71	69	25	.	.	PUNCT
afbr-71	70	1	x7=	x7=	NOUN
afbr-71	70	2	regular	regular	ADJ
afbr-71	70	3	fallow	fallow	NOUN
afbr-71	70	4	up	up	ADP
afbr-71	70	5	the	the	DET
afbr-71	70	6	loan	loan	NOUN
afbr-71	70	7	account	account	NOUN
afbr-71	70	8	to	to	PART
afbr-71	70	9	know	know	VERB
afbr-71	70	10	the	the	DET
afbr-71	70	11	business	business	NOUN
afbr-71	70	12	activities	activity	NOUN
afbr-71	70	13	.	.	PUNCT
afbr-71	71	1	2	2	X
afbr-71	71	2	.	.	X
afbr-71	71	3	literature	literature	PROPN
afbr-71	71	4	review	review	PROPN
afbr-71	71	5	das	das	PROPN
afbr-71	71	6	&	&	CCONJ
afbr-71	71	7	das	das	PROPN
afbr-71	71	8	(	(	PUNCT
afbr-71	71	9	2007	2007	NUM
afbr-71	71	10	)	)	PUNCT
afbr-71	71	11	evaluated	evaluate	VERB
afbr-71	71	12	the	the	DET
afbr-71	71	13	credit	credit	NOUN
afbr-71	71	14	risk	risk	NOUN
afbr-71	71	15	management	management	NOUN
afbr-71	71	16	practices	practice	NOUN
afbr-71	71	17	in	in	ADP
afbr-71	71	18	bangladesh	bangladesh	NOUN
afbr-71	71	19	.	.	PUNCT
afbr-71	72	1	the	the	DET
afbr-71	72	2	study	study	NOUN
afbr-71	72	3	identified	identify	VERB
afbr-71	72	4	the	the	DET
afbr-71	72	5	importance	importance	NOUN
afbr-71	72	6	of	of	ADP
afbr-71	72	7	credit	credit	NOUN
afbr-71	72	8	risk	risk	NOUN
afbr-71	72	9	management	management	NOUN
afbr-71	72	10	of	of	ADP
afbr-71	72	11	commercial	commercial	ADJ
afbr-71	72	12	banks	bank	NOUN
afbr-71	72	13	and	and	CCONJ
afbr-71	72	14	then	then	ADV
afbr-71	72	15	tried	try	VERB
afbr-71	72	16	to	to	PART
afbr-71	72	17	find	find	VERB
afbr-71	72	18	out	out	ADP
afbr-71	72	19	the	the	DET
afbr-71	72	20	existing	exist	VERB
afbr-71	72	21	procedures	procedure	NOUN
afbr-71	72	22	for	for	ADP
afbr-71	72	23	credit	credit	NOUN
afbr-71	72	24	risk	risk	NOUN
afbr-71	72	25	management	management	NOUN
afbr-71	72	26	that	that	PRON
afbr-71	72	27	were	be	AUX
afbr-71	72	28	followed	follow	VERB
afbr-71	72	29	by	by	ADP
afbr-71	72	30	the	the	DET
afbr-71	72	31	different	different	ADJ
afbr-71	72	32	commercial	commercial	ADJ
afbr-71	72	33	banks	bank	NOUN
afbr-71	72	34	in	in	ADP
afbr-71	72	35	bangladesh	bangladesh	NOUN
afbr-71	72	36	.	.	PUNCT
afbr-71	73	1	the	the	DET
afbr-71	73	2	researchers	researcher	NOUN
afbr-71	73	3	suggested	suggest	VERB
afbr-71	73	4	that	that	SCONJ
afbr-71	73	5	some	some	DET
afbr-71	73	6	prudential	prudential	ADJ
afbr-71	73	7	guidelines	guideline	NOUN
afbr-71	73	8	to	to	PART
afbr-71	73	9	be	be	AUX
afbr-71	73	10	required	require	VERB
afbr-71	73	11	for	for	SCONJ
afbr-71	73	12	commercial	commercial	ADJ
afbr-71	73	13	banks	bank	NOUN
afbr-71	73	14	to	to	PART
afbr-71	73	15	sustain	sustain	VERB
afbr-71	73	16	in	in	ADP
afbr-71	73	17	the	the	DET
afbr-71	73	18	volatile	volatile	ADJ
afbr-71	73	19	banking	banking	NOUN
afbr-71	73	20	market	market	NOUN
afbr-71	73	21	.	.	PUNCT
afbr-71	74	1	bodla	bodla	PROPN
afbr-71	74	2	&	&	CCONJ
afbr-71	74	3	verma	verma	PROPN
afbr-71	74	4	(	(	PUNCT
afbr-71	74	5	2009	2009	NUM
afbr-71	74	6	)	)	PUNCT
afbr-71	74	7	examined	examine	VERB
afbr-71	74	8	the	the	DET
afbr-71	74	9	credit	credit	NOUN
afbr-71	74	10	risk	risk	NOUN
afbr-71	74	11	management	management	NOUN
afbr-71	74	12	framework	framework	NOUN
afbr-71	74	13	of	of	ADP
afbr-71	74	14	indian	indian	ADJ
afbr-71	74	15	commercial	commercial	ADJ
afbr-71	74	16	banks	bank	NOUN
afbr-71	74	17	.	.	PUNCT
afbr-71	75	1	the	the	DET
afbr-71	75	2	results	result	NOUN
afbr-71	75	3	show	show	VERB
afbr-71	75	4	that	that	SCONJ
afbr-71	75	5	there	there	PRON
afbr-71	75	6	is	be	VERB
afbr-71	75	7	the	the	DET
afbr-71	75	8	right	right	NOUN
afbr-71	75	9	for	for	ADP
afbr-71	75	10	approval	approval	NOUN
afbr-71	75	11	of	of	ADP
afbr-71	75	12	credit	credit	NOUN
afbr-71	75	13	risk	risk	NOUN
afbr-71	75	14	with	with	ADP
afbr-71	75	15	‘	'	PUNCT
afbr-71	75	16	board	board	NOUN
afbr-71	75	17	of	of	ADP
afbr-71	75	18	directors	director	NOUN
afbr-71	75	19	’	'	PUNCT
afbr-71	75	20	in	in	ADP
afbr-71	75	21	case	case	NOUN
afbr-71	75	22	of	of	ADP
afbr-71	75	23	94.4	94.4	NUM
afbr-71	75	24	%	%	NOUN
afbr-71	75	25	and	and	CCONJ
afbr-71	75	26	62.5	62.5	NUM
afbr-71	75	27	%	%	NOUN
afbr-71	75	28	of	of	ADP
afbr-71	75	29	the	the	DET
afbr-71	75	30	public	public	ADJ
afbr-71	75	31	sector	sector	NOUN
afbr-71	75	32	and	and	CCONJ
afbr-71	75	33	private	private	ADJ
afbr-71	75	34	sector	sector	NOUN
afbr-71	75	35	banks	bank	NOUN
afbr-71	75	36	,	,	PUNCT
afbr-71	75	37	respectively	respectively	ADV
afbr-71	75	38	.	.	PUNCT
afbr-71	76	1	the	the	DET
afbr-71	76	2	study	study	NOUN
afbr-71	76	3	has	have	AUX
afbr-71	76	4	brought	bring	VERB
afbr-71	76	5	out	out	ADP
afbr-71	76	6	that	that	SCONJ
afbr-71	76	7	credit	credit	NOUN
afbr-71	76	8	risk	risk	NOUN
afbr-71	76	9	management	management	NOUN
afbr-71	76	10	framework	framework	NOUN
afbr-71	76	11	in	in	ADP
afbr-71	76	12	india	india	PROPN
afbr-71	76	13	is	be	AUX
afbr-71	76	14	on	on	ADP
afbr-71	76	15	the	the	DET
afbr-71	76	16	right	right	ADJ
afbr-71	76	17	track	track	NOUN
afbr-71	76	18	and	and	CCONJ
afbr-71	76	19	it	it	PRON
afbr-71	76	20	is	be	AUX
afbr-71	76	21	fully	fully	ADV
afbr-71	76	22	based	base	VERB
afbr-71	76	23	on	on	ADP
afbr-71	76	24	the	the	DET
afbr-71	76	25	rbi	rbi	NOUN
afbr-71	76	26	’s	’s	PART
afbr-71	76	27	guidelines	guideline	NOUN
afbr-71	76	28	issued	issue	VERB
afbr-71	76	29	in	in	ADP
afbr-71	76	30	this	this	DET
afbr-71	76	31	regard	regard	NOUN
afbr-71	76	32	.	.	PUNCT
afbr-71	77	1	comparative	comparative	ADJ
afbr-71	77	2	study	study	NOUN
afbr-71	77	3	on	on	ADP
afbr-71	77	4	credit	credit	NOUN
afbr-71	77	5	monitoring	monitoring	NOUN
afbr-71	77	6	practices	practice	NOUN
afbr-71	77	7	in	in	ADP
afbr-71	77	8	slected	slecte	VERB
afbr-71	77	9	banks	bank	NOUN
afbr-71	77	10	of	of	ADP
afbr-71	77	11	nepal	nepal	ADJ
afbr-71	77	12	fatta	fatta	PROPN
afbr-71	77	13	bahadur	bahadur	PROPN
afbr-71	77	14	k.c	k.c	PROPN
afbr-71	77	15	and	and	CCONJ
afbr-71	77	16	indra	indra	PROPN
afbr-71	77	17	kumar	kumar	PROPN
afbr-71	77	18	kattel	kattel	PROPN
afbr-71	77	19	17	17	NUM
afbr-71	77	20	jordon	jordon	PROPN
afbr-71	77	21	(	(	PUNCT
afbr-71	77	22	2009	2009	NUM
afbr-71	77	23	)	)	PUNCT
afbr-71	77	24	conducted	conduct	VERB
afbr-71	77	25	the	the	DET
afbr-71	77	26	study	study	NOUN
afbr-71	77	27	on	on	ADP
afbr-71	77	28	risk	risk	NOUN
afbr-71	77	29	management	management	NOUN
afbr-71	77	30	lessons	lesson	NOUN
afbr-71	77	31	from	from	ADP
afbr-71	77	32	the	the	DET
afbr-71	77	33	credit	credit	NOUN
afbr-71	77	34	crisis	crisis	NOUN
afbr-71	77	35	.	.	PUNCT
afbr-71	78	1	the	the	DET
afbr-71	78	2	paper	paper	NOUN
afbr-71	78	3	shows	show	VERB
afbr-71	78	4	that	that	SCONJ
afbr-71	78	5	the	the	DET
afbr-71	78	6	perfect	perfect	NOUN
afbr-71	78	7	carrying	carry	VERB
afbr-71	78	8	out	out	ADP
afbr-71	78	9	of	of	ADP
afbr-71	78	10	risk	risk	NOUN
afbr-71	78	11	management	management	NOUN
afbr-71	78	12	does	do	AUX
afbr-71	78	13	not	not	PART
afbr-71	78	14	assure	assure	VERB
afbr-71	78	15	the	the	DET
afbr-71	78	16	huge	huge	ADJ
afbr-71	78	17	losses	loss	NOUN
afbr-71	78	18	.	.	PUNCT
afbr-71	79	1	probability	probability	NOUN
afbr-71	79	2	of	of	ADP
afbr-71	79	3	loss	loss	NOUN
afbr-71	79	4	always	always	ADV
afbr-71	79	5	exists	exist	VERB
afbr-71	79	6	even	even	ADV
afbr-71	79	7	if	if	SCONJ
afbr-71	79	8	all	all	DET
afbr-71	79	9	the	the	DET
afbr-71	79	10	precautionary	precautionary	ADJ
afbr-71	79	11	measures	measure	NOUN
afbr-71	79	12	are	be	AUX
afbr-71	79	13	taken	take	VERB
afbr-71	79	14	.	.	PUNCT
afbr-71	80	1	there	there	PRON
afbr-71	80	2	are	be	VERB
afbr-71	80	3	certain	certain	ADJ
afbr-71	80	4	factors	factor	NOUN
afbr-71	80	5	involved	involve	VERB
afbr-71	80	6	in	in	ADP
afbr-71	80	7	huge	huge	ADJ
afbr-71	80	8	losses	loss	NOUN
afbr-71	80	9	usually	usually	ADV
afbr-71	80	10	,	,	PUNCT
afbr-71	80	11	business	business	NOUN
afbr-71	80	12	decisions	decision	NOUN
afbr-71	80	13	and	and	CCONJ
afbr-71	80	14	weak	weak	ADJ
afbr-71	80	15	monitoring	monitoring	NOUN
afbr-71	80	16	mechanism	mechanism	NOUN
afbr-71	80	17	.	.	PUNCT
afbr-71	81	1	the	the	DET
afbr-71	81	2	credit	credit	NOUN
afbr-71	81	3	crisis	crisis	NOUN
afbr-71	81	4	emphasized	emphasize	VERB
afbr-71	81	5	the	the	DET
afbr-71	81	6	importance	importance	NOUN
afbr-71	81	7	of	of	ADP
afbr-71	81	8	risk	risk	NOUN
afbr-71	81	9	management	management	NOUN
afbr-71	81	10	.	.	PUNCT
afbr-71	82	1	pu	pu	PROPN
afbr-71	82	2	&	&	CCONJ
afbr-71	82	3	zhao	zhao	PROPN
afbr-71	82	4	(	(	PUNCT
afbr-71	82	5	2010	2010	NUM
afbr-71	82	6	)	)	PUNCT
afbr-71	82	7	examined	examine	VERB
afbr-71	82	8	the	the	DET
afbr-71	82	9	correlation	correlation	NOUN
afbr-71	82	10	in	in	ADP
afbr-71	82	11	credit	credit	NOUN
afbr-71	82	12	risk	risk	NOUN
afbr-71	82	13	using	use	VERB
afbr-71	82	14	credit	credit	NOUN
afbr-71	82	15	default	default	NOUN
afbr-71	82	16	swap	swap	NOUN
afbr-71	82	17	(	(	PUNCT
afbr-71	82	18	cds	cds	NOUN
afbr-71	82	19	)	)	PUNCT
afbr-71	82	20	data	datum	NOUN
afbr-71	82	21	.	.	PUNCT
afbr-71	83	1	secondary	secondary	ADJ
afbr-71	83	2	data	datum	NOUN
afbr-71	83	3	for	for	ADP
afbr-71	83	4	the	the	DET
afbr-71	83	5	period	period	NOUN
afbr-71	83	6	of	of	ADP
afbr-71	83	7	january	january	PROPN
afbr-71	83	8	2001	2001	NUM
afbr-71	83	9	to	to	ADP
afbr-71	83	10	december	december	PROPN
afbr-71	83	11	2006	2006	NUM
afbr-71	83	12	was	be	AUX
afbr-71	83	13	taken	take	VERB
afbr-71	83	14	for	for	ADP
afbr-71	83	15	analysis	analysis	NOUN
afbr-71	83	16	.	.	PUNCT
afbr-71	84	1	the	the	DET
afbr-71	84	2	finding	finding	NOUN
afbr-71	84	3	of	of	ADP
afbr-71	84	4	the	the	DET
afbr-71	84	5	research	research	NOUN
afbr-71	84	6	suggested	suggest	VERB
afbr-71	84	7	that	that	SCONJ
afbr-71	84	8	infectivity	infectivity	NOUN
afbr-71	84	9	is	be	AUX
afbr-71	84	10	not	not	PART
afbr-71	84	11	only	only	ADV
afbr-71	84	12	statistically	statistically	ADV
afbr-71	84	13	but	but	CCONJ
afbr-71	84	14	also	also	ADV
afbr-71	84	15	economically	economically	ADV
afbr-71	84	16	significant	significant	ADJ
afbr-71	84	17	in	in	ADP
afbr-71	84	18	causing	cause	VERB
afbr-71	84	19	correlation	correlation	NOUN
afbr-71	84	20	in	in	ADP
afbr-71	84	21	credit	credit	NOUN
afbr-71	84	22	risk	risk	NOUN
afbr-71	84	23	.	.	PUNCT
afbr-71	85	1	norden	norden	PROPN
afbr-71	85	2	&	&	CCONJ
afbr-71	85	3	weber	weber	PROPN
afbr-71	85	4	(	(	PUNCT
afbr-71	85	5	2010	2010	NUM
afbr-71	85	6	)	)	PUNCT
afbr-71	85	7	investigated	investigate	VERB
afbr-71	85	8	the	the	DET
afbr-71	85	9	link	link	NOUN
afbr-71	85	10	between	between	ADP
afbr-71	85	11	account	account	NOUN
afbr-71	85	12	activity	activity	NOUN
afbr-71	85	13	and	and	CCONJ
afbr-71	85	14	information	information	NOUN
afbr-71	85	15	production	production	NOUN
afbr-71	85	16	on	on	ADP
afbr-71	85	17	borrower	borrower	NOUN
afbr-71	85	18	risk	risk	NOUN
afbr-71	85	19	.	.	PUNCT
afbr-71	86	1	for	for	ADP
afbr-71	86	2	this	this	DET
afbr-71	86	3	purpose	purpose	NOUN
afbr-71	86	4	,	,	PUNCT
afbr-71	86	5	they	they	PRON
afbr-71	86	6	examined	examine	VERB
afbr-71	86	7	whether	whether	SCONJ
afbr-71	86	8	credit	credit	NOUN
afbr-71	86	9	line	line	NOUN
afbr-71	86	10	usage	usage	NOUN
afbr-71	86	11	and	and	CCONJ
afbr-71	86	12	cash	cash	NOUN
afbr-71	86	13	flows	flow	NOUN
afbr-71	86	14	in	in	ADP
afbr-71	86	15	a	a	DET
afbr-71	86	16	borrower	borrower	NOUN
afbr-71	86	17	’s	’s	PART
afbr-71	86	18	checking	check	VERB
afbr-71	86	19	account	account	NOUN
afbr-71	86	20	were	be	AUX
afbr-71	86	21	helpful	helpful	ADJ
afbr-71	86	22	for	for	ADP
afbr-71	86	23	monitoring	monitoring	NOUN
afbr-71	86	24	,	,	PUNCT
afbr-71	86	25	and	and	CCONJ
afbr-71	86	26	how	how	SCONJ
afbr-71	86	27	banks	bank	NOUN
afbr-71	86	28	used	use	VERB
afbr-71	86	29	this	this	DET
afbr-71	86	30	information	information	NOUN
afbr-71	86	31	.	.	PUNCT
afbr-71	87	1	measures	measure	NOUN
afbr-71	87	2	of	of	ADP
afbr-71	87	3	account	account	NOUN
afbr-71	87	4	activity	activity	NOUN
afbr-71	87	5	substantially	substantially	ADV
afbr-71	87	6	improved	improve	VERB
afbr-71	87	7	default	default	NOUN
afbr-71	87	8	predictions	prediction	NOUN
afbr-71	87	9	and	and	CCONJ
afbr-71	87	10	were	be	AUX
afbr-71	87	11	especially	especially	ADV
afbr-71	87	12	helpful	helpful	ADJ
afbr-71	87	13	for	for	ADP
afbr-71	87	14	monitoring	monitor	VERB
afbr-71	87	15	small	small	ADJ
afbr-71	87	16	businesses	business	NOUN
afbr-71	87	17	and	and	CCONJ
afbr-71	87	18	individuals	individual	NOUN
afbr-71	87	19	.	.	PUNCT
afbr-71	88	1	furthermore	furthermore	ADV
afbr-71	88	2	,	,	PUNCT
afbr-71	88	3	early	early	ADJ
afbr-71	88	4	warning	warning	NOUN
afbr-71	88	5	indications	indication	NOUN
afbr-71	88	6	resulted	result	VERB
afbr-71	88	7	in	in	ADP
afbr-71	88	8	higher	high	ADJ
afbr-71	88	9	loan	loan	NOUN
afbr-71	88	10	spreads	spread	NOUN
afbr-71	88	11	,	,	PUNCT
afbr-71	88	12	and	and	CCONJ
afbr-71	88	13	in	in	ADP
afbr-71	88	14	a	a	DET
afbr-71	88	15	higher	high	ADJ
afbr-71	88	16	likelihood	likelihood	NOUN
afbr-71	88	17	of	of	ADP
afbr-71	88	18	limit	limit	NOUN
afbr-71	88	19	reductions	reduction	NOUN
afbr-71	88	20	and	and	CCONJ
afbr-71	88	21	complete	complete	ADJ
afbr-71	88	22	write	write	NOUN
afbr-71	88	23	-	-	PUNCT
afbr-71	88	24	offs	off	NOUN
afbr-71	88	25	.	.	PUNCT
afbr-71	89	1	the	the	DET
afbr-71	89	2	result	result	NOUN
afbr-71	89	3	of	of	ADP
afbr-71	89	4	the	the	DET
afbr-71	89	5	study	study	NOUN
afbr-71	89	6	shows	show	VERB
afbr-71	89	7	that	that	SCONJ
afbr-71	89	8	account	account	NOUN
afbr-71	89	9	activity	activity	NOUN
afbr-71	89	10	provides	provide	VERB
afbr-71	89	11	a	a	DET
afbr-71	89	12	real	real	ADJ
afbr-71	89	13	-	-	PUNCT
afbr-71	89	14	time	time	NOUN
afbr-71	89	15	window	window	NOUN
afbr-71	89	16	into	into	ADP
afbr-71	89	17	the	the	DET
afbr-71	89	18	borrower	borrower	NOUN
afbr-71	89	19	’s	’s	PART
afbr-71	89	20	cash	cash	NOUN
afbr-71	89	21	flows	flow	NOUN
afbr-71	89	22	.	.	PUNCT
afbr-71	90	1	it	it	PRON
afbr-71	90	2	may	may	AUX
afbr-71	90	3	be	be	AUX
afbr-71	90	4	helpful	helpful	ADJ
afbr-71	90	5	to	to	PART
afbr-71	90	6	take	take	VERB
afbr-71	90	7	a	a	DET
afbr-71	90	8	credit	credit	NOUN
afbr-71	90	9	decision	decision	NOUN
afbr-71	90	10	for	for	ADP
afbr-71	90	11	certain	certain	ADJ
afbr-71	90	12	types	type	NOUN
afbr-71	90	13	of	of	ADP
afbr-71	90	14	debt	debt	NOUN
afbr-71	90	15	financing	financing	NOUN
afbr-71	90	16	.	.	PUNCT
afbr-71	91	1	the	the	DET
afbr-71	91	2	finding	finding	NOUN
afbr-71	91	3	of	of	ADP
afbr-71	91	4	the	the	DET
afbr-71	91	5	research	research	NOUN
afbr-71	91	6	suggests	suggest	VERB
afbr-71	91	7	that	that	SCONJ
afbr-71	91	8	lenders	lender	NOUN
afbr-71	91	9	can	can	AUX
afbr-71	91	10	benefit	benefit	VERB
afbr-71	91	11	most	most	ADV
afbr-71	91	12	from	from	ADP
afbr-71	91	13	regular	regular	ADJ
afbr-71	91	14	monitoring	monitoring	NOUN
afbr-71	91	15	and	and	CCONJ
afbr-71	91	16	source	source	NOUN
afbr-71	91	17	of	of	ADP
afbr-71	91	18	information	information	NOUN
afbr-71	91	19	.	.	PUNCT
afbr-71	92	1	alam	alam	PROPN
afbr-71	92	2	&	&	CCONJ
afbr-71	92	3	masukujjaman	masukujjaman	PROPN
afbr-71	92	4	(	(	PUNCT
afbr-71	92	5	2011	2011	NUM
afbr-71	92	6	)	)	PUNCT
afbr-71	92	7	examined	examine	VERB
afbr-71	92	8	the	the	DET
afbr-71	92	9	risk	risk	NOUN
afbr-71	92	10	management	management	NOUN
afbr-71	92	11	practices	practice	NOUN
afbr-71	92	12	of	of	ADP
afbr-71	92	13	commercial	commercial	ADJ
afbr-71	92	14	banks	bank	NOUN
afbr-71	92	15	in	in	ADP
afbr-71	92	16	bangladesh	bangladesh	NOUN
afbr-71	92	17	based	base	VERB
afbr-71	92	18	on	on	ADP
afbr-71	92	19	five	five	NUM
afbr-71	92	20	commercial	commercial	ADJ
afbr-71	92	21	banks	bank	NOUN
afbr-71	92	22	operating	operate	VERB
afbr-71	92	23	in	in	ADP
afbr-71	92	24	bangladesh	bangladesh	NOUN
afbr-71	92	25	.	.	PUNCT
afbr-71	93	1	the	the	DET
afbr-71	93	2	research	research	NOUN
afbr-71	93	3	reveals	reveal	VERB
afbr-71	93	4	that	that	SCONJ
afbr-71	93	5	credit	credit	NOUN
afbr-71	93	6	,	,	PUNCT
afbr-71	93	7	market	market	NOUN
afbr-71	93	8	and	and	CCONJ
afbr-71	93	9	operational	operational	ADJ
afbr-71	93	10	risk	risk	NOUN
afbr-71	93	11	are	be	AUX
afbr-71	93	12	the	the	DET
afbr-71	93	13	major	major	ADJ
afbr-71	93	14	risks	risk	NOUN
afbr-71	93	15	in	in	ADP
afbr-71	93	16	commercial	commercial	ADJ
afbr-71	93	17	banks	bank	NOUN
afbr-71	93	18	which	which	PRON
afbr-71	93	19	are	be	AUX
afbr-71	93	20	managed	manage	VERB
afbr-71	93	21	through	through	ADP
afbr-71	93	22	three	three	NUM
afbr-71	93	23	layers	layer	NOUN
afbr-71	93	24	of	of	ADP
afbr-71	93	25	management	management	NOUN
afbr-71	93	26	structure	structure	NOUN
afbr-71	93	27	.	.	PUNCT
afbr-71	94	1	the	the	DET
afbr-71	94	2	board	board	NOUN
afbr-71	94	3	of	of	ADP
afbr-71	94	4	directors	director	NOUN
afbr-71	94	5	performs	perform	VERB
afbr-71	94	6	the	the	DET
afbr-71	94	7	responsibility	responsibility	NOUN
afbr-71	94	8	of	of	ADP
afbr-71	94	9	the	the	DET
afbr-71	94	10	main	main	ADJ
afbr-71	94	11	risk	risk	NOUN
afbr-71	94	12	oversight	oversight	NOUN
afbr-71	94	13	;	;	PUNCT
afbr-71	94	14	the	the	DET
afbr-71	94	15	executive	executive	ADJ
afbr-71	94	16	committee	committee	NOUN
afbr-71	94	17	observes	observe	VERB
afbr-71	94	18	risk	risk	NOUN
afbr-71	94	19	and	and	CCONJ
afbr-71	94	20	the	the	DET
afbr-71	94	21	audit	audit	NOUN
afbr-71	94	22	committee	committee	NOUN
afbr-71	94	23	supervises	supervise	VERB
afbr-71	94	24	all	all	DET
afbr-71	94	25	the	the	DET
afbr-71	94	26	activities	activity	NOUN
afbr-71	94	27	of	of	ADP
afbr-71	94	28	banking	banking	NOUN
afbr-71	94	29	operations	operation	NOUN
afbr-71	94	30	.	.	PUNCT
afbr-71	95	1	in	in	ADP
afbr-71	95	2	the	the	DET
afbr-71	95	3	circumstance	circumstance	NOUN
afbr-71	95	4	of	of	ADP
afbr-71	95	5	views	view	NOUN
afbr-71	95	6	regarding	regard	VERB
afbr-71	95	7	the	the	DET
afbr-71	95	8	use	use	NOUN
afbr-71	95	9	of	of	ADP
afbr-71	95	10	risk	risk	NOUN
afbr-71	95	11	management	management	NOUN
afbr-71	95	12	techniques	technique	NOUN
afbr-71	95	13	,	,	PUNCT
afbr-71	95	14	it	it	PRON
afbr-71	95	15	is	be	AUX
afbr-71	95	16	found	find	VERB
afbr-71	95	17	that	that	SCONJ
afbr-71	95	18	internal	internal	ADJ
afbr-71	95	19	rating	rating	NOUN
afbr-71	95	20	system	system	NOUN
afbr-71	95	21	and	and	CCONJ
afbr-71	95	22	risk	risk	NOUN
afbr-71	95	23	adjusted	adjust	VERB
afbr-71	95	24	rate	rate	NOUN
afbr-71	95	25	of	of	ADP
afbr-71	95	26	return	return	NOUN
afbr-71	95	27	on	on	ADP
afbr-71	95	28	capital	capital	NOUN
afbr-71	95	29	are	be	AUX
afbr-71	95	30	comparatively	comparatively	ADV
afbr-71	95	31	significant	significant	ADJ
afbr-71	95	32	techniques	technique	NOUN
afbr-71	95	33	used	use	VERB
afbr-71	95	34	by	by	ADP
afbr-71	95	35	commercial	commercial	ADJ
afbr-71	95	36	banks	bank	NOUN
afbr-71	95	37	in	in	ADP
afbr-71	95	38	bangladesh	bangladesh	PROPN
afbr-71	95	39	.	.	PUNCT
afbr-71	96	1	aman	aman	PROPN
afbr-71	96	2	&	&	CCONJ
afbr-71	96	3	zaman	zaman	PROPN
afbr-71	96	4	(	(	PUNCT
afbr-71	96	5	2011	2011	NUM
afbr-71	96	6	)	)	PUNCT
afbr-71	96	7	examined	examine	VERB
afbr-71	96	8	credit	credit	NOUN
afbr-71	96	9	risk	risk	NOUN
afbr-71	96	10	performances	performance	NOUN
afbr-71	96	11	of	of	ADP
afbr-71	96	12	the	the	DET
afbr-71	96	13	state	state	NOUN
afbr-71	96	14	-	-	PUNCT
afbr-71	96	15	owned	own	VERB
afbr-71	96	16	,	,	PUNCT
afbr-71	96	17	private	private	ADJ
afbr-71	96	18	and	and	CCONJ
afbr-71	96	19	foreign	foreign	ADJ
afbr-71	96	20	banks	bank	NOUN
afbr-71	96	21	over	over	ADP
afbr-71	96	22	the	the	DET
afbr-71	96	23	period	period	NOUN
afbr-71	96	24	from	from	ADP
afbr-71	96	25	1990	1990	NUM
afbr-71	96	26	-2005	-2005	NOUN
afbr-71	96	27	by	by	ADP
afbr-71	96	28	using	use	VERB
afbr-71	96	29	the	the	DET
afbr-71	96	30	simple	simple	ADJ
afbr-71	96	31	error	error	NOUN
afbr-71	96	32	correction	correction	NOUN
afbr-71	96	33	model	model	NOUN
afbr-71	96	34	(	(	PUNCT
afbr-71	96	35	ecm	ecm	PROPN
afbr-71	96	36	)	)	PUNCT
afbr-71	96	37	.	.	PUNCT
afbr-71	97	1	credit	credit	NOUN
afbr-71	97	2	feature	feature	NOUN
afbr-71	97	3	is	be	AUX
afbr-71	97	4	statistically	statistically	ADV
afbr-71	97	5	significant	significant	ADJ
afbr-71	97	6	for	for	ADP
afbr-71	97	7	pbs	pbs	PROPN
afbr-71	97	8	with	with	ADP
afbr-71	97	9	expected	expect	VERB
afbr-71	97	10	sign	sign	NOUN
afbr-71	97	11	.	.	PUNCT
afbr-71	98	1	in	in	ADP
afbr-71	98	2	the	the	DET
afbr-71	98	3	light	light	NOUN
afbr-71	98	4	of	of	ADP
afbr-71	98	5	empirical	empirical	ADJ
afbr-71	98	6	analysis	analysis	NOUN
afbr-71	98	7	of	of	ADP
afbr-71	98	8	data	datum	NOUN
afbr-71	98	9	,	,	PUNCT
afbr-71	98	10	the	the	DET
afbr-71	98	11	research	research	NOUN
afbr-71	98	12	finds	find	VERB
afbr-71	98	13	that	that	SCONJ
afbr-71	98	14	private	private	ADJ
afbr-71	98	15	sector	sector	NOUN
afbr-71	98	16	banks	bank	NOUN
afbr-71	98	17	concentrate	concentrate	VERB
afbr-71	98	18	more	more	ADV
afbr-71	98	19	on	on	ADP
afbr-71	98	20	credit	credit	NOUN
afbr-71	98	21	to	to	PART
afbr-71	98	22	attract	attract	VERB
afbr-71	98	23	credit	credit	NOUN
afbr-71	98	24	customers	customer	NOUN
afbr-71	98	25	'	'	PART
afbr-71	98	26	findings	finding	NOUN
afbr-71	98	27	because	because	SCONJ
afbr-71	98	28	it	it	PRON
afbr-71	98	29	is	be	AUX
afbr-71	98	30	imperative	imperative	ADJ
afbr-71	98	31	for	for	ADP
afbr-71	98	32	private	private	ADJ
afbr-71	98	33	sector	sector	NOUN
afbr-71	98	34	banks	bank	NOUN
afbr-71	98	35	to	to	PART
afbr-71	98	36	concentrate	concentrate	VERB
afbr-71	98	37	more	more	ADV
afbr-71	98	38	on	on	ADP
afbr-71	98	39	credit	credit	NOUN
afbr-71	98	40	to	to	PART
afbr-71	98	41	attract	attract	VERB
afbr-71	98	42	customers	customer	NOUN
afbr-71	98	43	.	.	PUNCT
afbr-71	99	1	in	in	ADP
afbr-71	99	2	the	the	DET
afbr-71	99	3	same	same	ADJ
afbr-71	99	4	manners	manner	NOUN
afbr-71	99	5	private	private	ADJ
afbr-71	99	6	sector	sector	NOUN
afbr-71	99	7	banks	bank	NOUN
afbr-71	99	8	maintain	maintain	VERB
afbr-71	99	9	credit	credit	NOUN
afbr-71	99	10	risk	risk	NOUN
afbr-71	99	11	efficiently	efficiently	ADV
afbr-71	99	12	and	and	CCONJ
afbr-71	99	13	effectively	effectively	ADV
afbr-71	99	14	during	during	ADP
afbr-71	99	15	the	the	DET
afbr-71	99	16	analysis	analysis	NOUN
afbr-71	99	17	period	period	NOUN
afbr-71	99	18	.	.	PUNCT
afbr-71	100	1	ariffin	ariffin	PROPN
afbr-71	100	2	&	&	CCONJ
afbr-71	100	3	kassim	kassim	PROPN
afbr-71	100	4	(	(	PUNCT
afbr-71	100	5	2011	2011	NUM
afbr-71	100	6	)	)	PUNCT
afbr-71	100	7	,	,	PUNCT
afbr-71	100	8	analyzed	analyze	VERB
afbr-71	100	9	the	the	DET
afbr-71	100	10	relationship	relationship	NOUN
afbr-71	100	11	between	between	ADP
afbr-71	100	12	risk	risk	NOUN
afbr-71	100	13	management	management	NOUN
afbr-71	100	14	practices	practice	NOUN
afbr-71	100	15	and	and	CCONJ
afbr-71	100	16	financial	financial	ADJ
afbr-71	100	17	performance	performance	NOUN
afbr-71	100	18	in	in	ADP
afbr-71	100	19	the	the	DET
afbr-71	100	20	islamic	islamic	ADJ
afbr-71	100	21	banks	bank	NOUN
afbr-71	100	22	in	in	ADP
afbr-71	100	23	malaysia	malaysia	PROPN
afbr-71	100	24	.	.	PUNCT
afbr-71	101	1	overall	overall	ADV
afbr-71	101	2	,	,	PUNCT
afbr-71	101	3	the	the	DET
afbr-71	101	4	findings	finding	NOUN
afbr-71	101	5	on	on	ADP
afbr-71	101	6	risk	risk	NOUN
afbr-71	101	7	management	management	NOUN
afbr-71	101	8	practices	practice	NOUN
afbr-71	101	9	shows	show	VERB
afbr-71	101	10	that	that	SCONJ
afbr-71	101	11	the	the	DET
afbr-71	101	12	importance	importance	NOUN
afbr-71	101	13	of	of	ADP
afbr-71	101	14	board	board	NOUN
afbr-71	101	15	of	of	ADP
afbr-71	101	16	directors	director	NOUN
afbr-71	101	17	to	to	PART
afbr-71	101	18	endorse	endorse	VERB
afbr-71	101	19	the	the	DET
afbr-71	101	20	overall	overall	ADJ
afbr-71	101	21	policies	policy	NOUN
afbr-71	101	22	and	and	CCONJ
afbr-71	101	23	to	to	PART
afbr-71	101	24	guarantee	guarantee	VERB
afbr-71	101	25	that	that	SCONJ
afbr-71	101	26	the	the	DET
afbr-71	101	27	management	management	NOUN
afbr-71	101	28	requires	require	VERB
afbr-71	101	29	actions	action	NOUN
afbr-71	101	30	to	to	PART
afbr-71	101	31	manage	manage	VERB
afbr-71	101	32	the	the	DET
afbr-71	101	33	risks	risk	NOUN
afbr-71	101	34	.	.	PUNCT
afbr-71	102	1	hassan	hassan	PROPN
afbr-71	102	2	(	(	PUNCT
afbr-71	102	3	2011	2011	NUM
afbr-71	102	4	)	)	PUNCT
afbr-71	102	5	examined	examine	VERB
afbr-71	102	6	the	the	DET
afbr-71	102	7	degree	degree	NOUN
afbr-71	102	8	to	to	PART
afbr-71	102	9	which	which	PRON
afbr-71	102	10	islamic	islamic	ADJ
afbr-71	102	11	and	and	CCONJ
afbr-71	102	12	conventional	conventional	ADJ
afbr-71	102	13	banks	bank	NOUN
afbr-71	102	14	used	use	VERB
afbr-71	102	15	risk	risk	NOUN
afbr-71	102	16	management	management	NOUN
afbr-71	102	17	practices	practice	NOUN
afbr-71	102	18	and	and	CCONJ
afbr-71	102	19	techniques	technique	NOUN
afbr-71	102	20	in	in	ADP
afbr-71	102	21	dealing	deal	VERB
afbr-71	102	22	with	with	ADP
afbr-71	102	23	different	different	ADJ
afbr-71	102	24	types	type	NOUN
afbr-71	102	25	of	of	ADP
afbr-71	102	26	risks	risk	NOUN
afbr-71	102	27	in	in	ADP
afbr-71	102	28	the	the	DET
afbr-71	102	29	middle	middle	PROPN
afbr-71	102	30	east	east	PROPN
afbr-71	102	31	region	region	NOUN
afbr-71	102	32	.	.	PUNCT
afbr-71	103	1	there	there	PRON
afbr-71	103	2	was	be	VERB
afbr-71	103	3	no	no	DET
afbr-71	103	4	significant	significant	ADJ
afbr-71	103	5	difference	difference	NOUN
afbr-71	103	6	between	between	ADP
afbr-71	103	7	islamic	islamic	ADJ
afbr-71	103	8	banks	bank	NOUN
afbr-71	103	9	and	and	CCONJ
afbr-71	103	10	conventional	conventional	ADJ
afbr-71	103	11	banks	bank	NOUN
afbr-71	103	12	concerning	concern	VERB
afbr-71	103	13	risk	risk	NOUN
afbr-71	103	14	identification	identification	NOUN
afbr-71	103	15	.	.	PUNCT
afbr-71	104	1	however	however	ADV
afbr-71	104	2	,	,	PUNCT
afbr-71	104	3	there	there	PRON
afbr-71	104	4	were	be	VERB
afbr-71	104	5	significant	significant	ADJ
afbr-71	104	6	differences	difference	NOUN
afbr-71	104	7	between	between	ADP
afbr-71	104	8	islamic	islamic	ADJ
afbr-71	104	9	banks	bank	NOUN
afbr-71	104	10	and	and	CCONJ
afbr-71	104	11	conventional	conventional	ADJ
afbr-71	104	12	banks	bank	NOUN
afbr-71	104	13	regarding	regard	VERB
afbr-71	104	14	the	the	DET
afbr-71	104	15	understanding	understanding	NOUN
afbr-71	104	16	risk	risk	NOUN
afbr-71	104	17	,	,	PUNCT
afbr-71	104	18	risk	risk	NOUN
afbr-71	104	19	assessment	assessment	NOUN
afbr-71	104	20	and	and	CCONJ
afbr-71	104	21	analysis	analysis	NOUN
afbr-71	104	22	,	,	PUNCT
afbr-71	104	23	risk	risk	NOUN
afbr-71	104	24	monitoring	monitoring	NOUN
afbr-71	104	25	,	,	PUNCT
afbr-71	104	26	and	and	CCONJ
afbr-71	104	27	credit	credit	NOUN
afbr-71	104	28	risk	risk	NOUN
afbr-71	104	29	analysis	analysis	NOUN
afbr-71	104	30	of	of	ADP
afbr-71	104	31	the	the	DET
afbr-71	104	32	entire	entire	ADJ
afbr-71	104	33	sample	sample	NOUN
afbr-71	104	34	banks	bank	NOUN
afbr-71	104	35	.	.	PUNCT
afbr-71	105	1	thiagarajan	thiagarajan	NOUN
afbr-71	105	2	,	,	PUNCT
afbr-71	105	3	ayyappan	ayyappan	NOUN
afbr-71	105	4	,	,	PUNCT
afbr-71	105	5	&	&	CCONJ
afbr-71	105	6	ramachandran	ramachandran	PROPN
afbr-71	105	7	(	(	PUNCT
afbr-71	105	8	2011	2011	NUM
afbr-71	105	9	)	)	PUNCT
afbr-71	105	10	empirically	empirically	ADV
afbr-71	105	11	carried	carry	VERB
afbr-71	105	12	out	out	ADP
afbr-71	105	13	a	a	DET
afbr-71	105	14	study	study	NOUN
afbr-71	105	15	to	to	PART
afbr-71	105	16	predict	predict	VERB
afbr-71	105	17	the	the	DET
afbr-71	105	18	determinants	determinant	NOUN
afbr-71	105	19	of	of	ADP
afbr-71	105	20	the	the	DET
afbr-71	105	21	credit	credit	NOUN
afbr-71	105	22	risk	risk	NOUN
afbr-71	105	23	of	of	ADP
afbr-71	105	24	the	the	DET
afbr-71	105	25	commercial	commercial	ADJ
afbr-71	105	26	banking	banking	NOUN
afbr-71	105	27	sector	sector	NOUN
afbr-71	105	28	in	in	ADP
afbr-71	105	29	india	india	PROPN
afbr-71	105	30	by	by	ADP
afbr-71	105	31	using	use	VERB
afbr-71	105	32	an	an	DET
afbr-71	105	33	econometric	econometric	ADJ
afbr-71	105	34	model	model	NOUN
afbr-71	105	35	.	.	PUNCT
afbr-71	106	1	the	the	DET
afbr-71	106	2	results	result	NOUN
afbr-71	106	3	showed	show	VERB
afbr-71	106	4	that	that	SCONJ
afbr-71	106	5	the	the	DET
afbr-71	106	6	insulated	insulated	ADJ
afbr-71	106	7	non	non	ADJ
afbr-71	106	8	-	-	ADJ
afbr-71	106	9	performing	perform	VERB
afbr-71	106	10	assets	asset	NOUN
afbr-71	106	11	had	have	VERB
afbr-71	106	12	a	a	DET
afbr-71	106	13	strong	strong	ADJ
afbr-71	106	14	and	and	CCONJ
afbr-71	106	15	statistically	statistically	ADV
afbr-71	106	16	significant	significant	ADJ
afbr-71	106	17	positive	positive	ADJ
afbr-71	106	18	influence	influence	NOUN
afbr-71	106	19	on	on	ADP
afbr-71	106	20	the	the	DET
afbr-71	106	21	comparative	comparative	ADJ
afbr-71	106	22	study	study	NOUN
afbr-71	106	23	on	on	ADP
afbr-71	106	24	credit	credit	NOUN
afbr-71	106	25	monitoring	monitoring	NOUN
afbr-71	106	26	practices	practice	NOUN
afbr-71	106	27	in	in	ADP
afbr-71	106	28	slected	slecte	VERB
afbr-71	106	29	banks	bank	NOUN
afbr-71	106	30	of	of	ADP
afbr-71	106	31	nepal	nepal	ADJ
afbr-71	106	32	fatta	fatta	PROPN
afbr-71	106	33	bahadur	bahadur	PROPN
afbr-71	106	34	k.c	k.c	PROPN
afbr-71	106	35	and	and	CCONJ
afbr-71	106	36	indra	indra	PROPN
afbr-71	106	37	kumar	kumar	PROPN
afbr-71	106	38	kattel	kattel	PROPN
afbr-71	106	39	18	18	NUM
afbr-71	106	40	current	current	ADJ
afbr-71	106	41	non	non	ADJ
afbr-71	106	42	-	-	ADJ
afbr-71	106	43	performing	perform	VERB
afbr-71	106	44	assets	asset	NOUN
afbr-71	106	45	.	.	PUNCT
afbr-71	107	1	it	it	PRON
afbr-71	107	2	is	be	AUX
afbr-71	107	3	a	a	DET
afbr-71	107	4	significant	significant	ADJ
afbr-71	107	5	inverse	inverse	NOUN
afbr-71	107	6	relationship	relationship	NOUN
afbr-71	107	7	between	between	ADP
afbr-71	107	8	the	the	DET
afbr-71	107	9	gdp	gdp	NOUN
afbr-71	107	10	and	and	CCONJ
afbr-71	107	11	the	the	DET
afbr-71	107	12	credit	credit	NOUN
afbr-71	107	13	risk	risk	NOUN
afbr-71	107	14	for	for	ADP
afbr-71	107	15	both	both	CCONJ
afbr-71	107	16	public	public	ADJ
afbr-71	107	17	and	and	CCONJ
afbr-71	107	18	private	private	ADJ
afbr-71	107	19	sector	sector	NOUN
afbr-71	107	20	banks	bank	NOUN
afbr-71	107	21	.	.	PUNCT
afbr-71	108	1	the	the	DET
afbr-71	108	2	study	study	NOUN
afbr-71	108	3	reveals	reveal	VERB
afbr-71	108	4	that	that	SCONJ
afbr-71	108	5	both	both	CCONJ
afbr-71	108	6	macroeconomic	macroeconomic	ADJ
afbr-71	108	7	and	and	CCONJ
afbr-71	108	8	bank	bank	NOUN
afbr-71	108	9	specific	specific	ADJ
afbr-71	108	10	factors	factor	NOUN
afbr-71	108	11	play	play	VERB
afbr-71	108	12	crucial	crucial	ADJ
afbr-71	108	13	role	role	NOUN
afbr-71	108	14	in	in	ADP
afbr-71	108	15	determining	determine	VERB
afbr-71	108	16	the	the	DET
afbr-71	108	17	credit	credit	NOUN
afbr-71	108	18	risk	risk	NOUN
afbr-71	108	19	of	of	ADP
afbr-71	108	20	the	the	DET
afbr-71	108	21	banking	banking	NOUN
afbr-71	108	22	sector	sector	NOUN
afbr-71	108	23	.	.	PUNCT
afbr-71	109	1	nazir	nazir	PROPN
afbr-71	109	2	,	,	PUNCT
afbr-71	109	3	daniel	daniel	PROPN
afbr-71	109	4	,	,	PUNCT
afbr-71	109	5	&	&	CCONJ
afbr-71	109	6	nawaz	nawaz	ADJ
afbr-71	109	7	(	(	PUNCT
afbr-71	109	8	2012	2012	NUM
afbr-71	109	9	)	)	PUNCT
afbr-71	109	10	examined	examine	VERB
afbr-71	109	11	and	and	CCONJ
afbr-71	109	12	compared	compare	VERB
afbr-71	109	13	the	the	DET
afbr-71	109	14	risk	risk	NOUN
afbr-71	109	15	management	management	NOUN
afbr-71	109	16	practices	practice	NOUN
afbr-71	109	17	of	of	ADP
afbr-71	109	18	conventional	conventional	ADJ
afbr-71	109	19	and	and	CCONJ
afbr-71	109	20	islamic	islamic	ADJ
afbr-71	109	21	banks	bank	NOUN
afbr-71	109	22	in	in	ADP
afbr-71	109	23	pakistan	pakistan	PROPN
afbr-71	109	24	.	.	PUNCT
afbr-71	110	1	the	the	DET
afbr-71	110	2	result	result	NOUN
afbr-71	110	3	found	find	VERB
afbr-71	110	4	that	that	SCONJ
afbr-71	110	5	those	those	DET
afbr-71	110	6	pakistani	pakistani	ADJ
afbr-71	110	7	banks	bank	NOUN
afbr-71	110	8	were	be	AUX
afbr-71	110	9	efficient	efficient	ADJ
afbr-71	110	10	in	in	ADP
afbr-71	110	11	credit	credit	NOUN
afbr-71	110	12	risk	risk	NOUN
afbr-71	110	13	analysis	analysis	NOUN
afbr-71	110	14	,	,	PUNCT
afbr-71	110	15	risk	risk	NOUN
afbr-71	110	16	monitoring	monitoring	NOUN
afbr-71	110	17	and	and	CCONJ
afbr-71	110	18	understanding	understand	VERB
afbr-71	110	19	the	the	DET
afbr-71	110	20	risk	risk	NOUN
afbr-71	110	21	in	in	ADP
afbr-71	110	22	the	the	DET
afbr-71	110	23	most	most	ADV
afbr-71	110	24	significant	significant	ADJ
afbr-71	110	25	factors	factor	NOUN
afbr-71	110	26	of	of	ADP
afbr-71	110	27	risk	risk	NOUN
afbr-71	110	28	management	management	NOUN
afbr-71	110	29	.	.	PUNCT
afbr-71	111	1	furthermore	furthermore	ADV
afbr-71	111	2	,	,	PUNCT
afbr-71	111	3	there	there	PRON
afbr-71	111	4	was	be	VERB
afbr-71	111	5	a	a	DET
afbr-71	111	6	significant	significant	ADJ
afbr-71	111	7	difference	difference	NOUN
afbr-71	111	8	in	in	ADP
afbr-71	111	9	risk	risk	NOUN
afbr-71	111	10	management	management	NOUN
afbr-71	111	11	practices	practice	NOUN
afbr-71	111	12	of	of	ADP
afbr-71	111	13	the	the	DET
afbr-71	111	14	islamic	islamic	ADJ
afbr-71	111	15	and	and	CCONJ
afbr-71	111	16	conventional	conventional	ADJ
afbr-71	111	17	banks	bank	NOUN
afbr-71	111	18	of	of	ADP
afbr-71	111	19	pakistan	pakistan	PROPN
afbr-71	111	20	.	.	PUNCT
afbr-71	112	1	abdullah	abdullah	PROPN
afbr-71	112	2	,	,	PUNCT
afbr-71	112	3	khan	khan	PROPN
afbr-71	112	4	,	,	PUNCT
afbr-71	112	5	&	&	CCONJ
afbr-71	112	6	nazir	nazir	PROPN
afbr-71	112	7	(	(	PUNCT
afbr-71	112	8	2012	2012	NUM
afbr-71	112	9	)	)	PUNCT
afbr-71	112	10	evaluated	evaluate	VERB
afbr-71	112	11	the	the	DET
afbr-71	112	12	credit	credit	NOUN
afbr-71	112	13	risk	risk	NOUN
afbr-71	112	14	management	management	NOUN
afbr-71	112	15	of	of	ADP
afbr-71	112	16	domestic	domestic	ADJ
afbr-71	112	17	and	and	CCONJ
afbr-71	112	18	foreign	foreign	ADJ
afbr-71	112	19	banks	bank	NOUN
afbr-71	112	20	in	in	ADP
afbr-71	112	21	pakistan	pakistan	PROPN
afbr-71	112	22	.	.	PUNCT
afbr-71	113	1	based	base	VERB
afbr-71	113	2	on	on	ADP
afbr-71	113	3	the	the	DET
afbr-71	113	4	result	result	NOUN
afbr-71	113	5	of	of	ADP
afbr-71	113	6	the	the	DET
afbr-71	113	7	research	research	NOUN
afbr-71	113	8	,	,	PUNCT
afbr-71	113	9	researchers	researcher	NOUN
afbr-71	113	10	recommended	recommend	VERB
afbr-71	113	11	that	that	SCONJ
afbr-71	113	12	credit	credit	NOUN
afbr-71	113	13	risk	risk	NOUN
afbr-71	113	14	might	might	AUX
afbr-71	113	15	be	be	AUX
afbr-71	113	16	reduced	reduce	VERB
afbr-71	113	17	if	if	SCONJ
afbr-71	113	18	(	(	PUNCT
afbr-71	113	19	i	i	NOUN
afbr-71	113	20	)	)	PUNCT
afbr-71	113	21	the	the	DET
afbr-71	113	22	size	size	NOUN
afbr-71	113	23	of	of	ADP
afbr-71	113	24	the	the	DET
afbr-71	113	25	banks	bank	NOUN
afbr-71	113	26	keeps	keep	VERB
afbr-71	113	27	with	with	ADP
afbr-71	113	28	specifies	specifie	NOUN
afbr-71	113	29	limits	limit	NOUN
afbr-71	113	30	and	and	CCONJ
afbr-71	113	31	(	(	PUNCT
afbr-71	113	32	ii	ii	NOUN
afbr-71	113	33	)	)	PUNCT
afbr-71	113	34	liquidity	liquidity	NOUN
afbr-71	113	35	of	of	ADP
afbr-71	113	36	the	the	DET
afbr-71	113	37	banks	bank	NOUN
afbr-71	113	38	is	be	AUX
afbr-71	113	39	increased	increase	VERB
afbr-71	113	40	.	.	PUNCT
afbr-71	114	1	rani	rani	PROPN
afbr-71	114	2	(	(	PUNCT
afbr-71	114	3	2012	2012	NUM
afbr-71	114	4	)	)	PUNCT
afbr-71	114	5	evaluated	evaluate	VERB
afbr-71	114	6	the	the	DET
afbr-71	114	7	risk	risk	NOUN
afbr-71	114	8	management	management	NOUN
afbr-71	114	9	practices	practice	NOUN
afbr-71	114	10	in	in	ADP
afbr-71	114	11	scheduled	schedule	VERB
afbr-71	114	12	commercial	commercial	ADJ
afbr-71	114	13	banks	bank	NOUN
afbr-71	114	14	of	of	ADP
afbr-71	114	15	india	india	PROPN
afbr-71	114	16	.	.	PUNCT
afbr-71	115	1	the	the	DET
afbr-71	115	2	finding	finding	NOUN
afbr-71	115	3	reveals	reveal	VERB
afbr-71	115	4	that	that	SCONJ
afbr-71	115	5	the	the	DET
afbr-71	115	6	difference	difference	NOUN
afbr-71	115	7	between	between	ADP
afbr-71	115	8	the	the	DET
afbr-71	115	9	various	various	ADJ
afbr-71	115	10	levels	level	NOUN
afbr-71	115	11	of	of	ADP
afbr-71	115	12	staff	staff	NOUN
afbr-71	115	13	positions	position	NOUN
afbr-71	115	14	have	have	AUX
afbr-71	115	15	been	be	AUX
afbr-71	115	16	statistically	statistically	ADV
afbr-71	115	17	significant	significant	ADJ
afbr-71	115	18	,	,	PUNCT
afbr-71	115	19	but	but	CCONJ
afbr-71	115	20	no	no	DET
afbr-71	115	21	significant	significant	ADJ
afbr-71	115	22	difference	difference	NOUN
afbr-71	115	23	in	in	ADP
afbr-71	115	24	the	the	DET
afbr-71	115	25	awareness	awareness	NOUN
afbr-71	115	26	level	level	NOUN
afbr-71	115	27	of	of	ADP
afbr-71	115	28	officers	officer	NOUN
afbr-71	115	29	of	of	ADP
afbr-71	115	30	public	public	ADJ
afbr-71	115	31	sector	sector	NOUN
afbr-71	115	32	,	,	PUNCT
afbr-71	115	33	private	private	ADJ
afbr-71	115	34	sector	sector	NOUN
afbr-71	115	35	and	and	CCONJ
afbr-71	115	36	foreign	foreign	ADJ
afbr-71	115	37	sector	sector	NOUN
afbr-71	115	38	banks	bank	NOUN
afbr-71	115	39	regarding	regard	VERB
afbr-71	115	40	credit	credit	NOUN
afbr-71	115	41	,	,	PUNCT
afbr-71	115	42	market	market	NOUN
afbr-71	115	43	and	and	CCONJ
afbr-71	115	44	operational	operational	ADJ
afbr-71	115	45	risk	risk	NOUN
afbr-71	115	46	.	.	PUNCT
afbr-71	116	1	the	the	DET
afbr-71	116	2	result	result	NOUN
afbr-71	116	3	indicated	indicate	VERB
afbr-71	116	4	that	that	SCONJ
afbr-71	116	5	awareness	awareness	NOUN
afbr-71	116	6	about	about	ADP
afbr-71	116	7	risk	risk	NOUN
afbr-71	116	8	management	management	NOUN
afbr-71	116	9	was	be	AUX
afbr-71	116	10	the	the	DET
afbr-71	116	11	optimum	optimum	ADJ
afbr-71	116	12	level	level	NOUN
afbr-71	116	13	of	of	ADP
afbr-71	116	14	the	the	DET
afbr-71	116	15	officials	official	NOUN
afbr-71	116	16	of	of	ADP
afbr-71	116	17	the	the	DET
afbr-71	116	18	private	private	ADJ
afbr-71	116	19	sector	sector	NOUN
afbr-71	116	20	and	and	CCONJ
afbr-71	116	21	foreign	foreign	ADJ
afbr-71	116	22	sector	sector	NOUN
afbr-71	116	23	banks	bank	NOUN
afbr-71	116	24	as	as	SCONJ
afbr-71	116	25	compared	compare	VERB
afbr-71	116	26	to	to	ADP
afbr-71	116	27	public	public	ADJ
afbr-71	116	28	sector	sector	NOUN
afbr-71	116	29	banks	bank	NOUN
afbr-71	116	30	.	.	PUNCT
afbr-71	117	1	wood	wood	NOUN
afbr-71	117	2	&	&	CCONJ
afbr-71	117	3	kellman	kellman	PROPN
afbr-71	117	4	(	(	PUNCT
afbr-71	117	5	2013	2013	NUM
afbr-71	117	6	)	)	PUNCT
afbr-71	117	7	examined	examine	VERB
afbr-71	117	8	the	the	DET
afbr-71	117	9	risk	risk	NOUN
afbr-71	117	10	management	management	NOUN
afbr-71	117	11	practices	practice	NOUN
afbr-71	117	12	by	by	ADP
afbr-71	117	13	barbadian	barbadian	ADJ
afbr-71	117	14	banks	bank	NOUN
afbr-71	117	15	with	with	ADP
afbr-71	117	16	the	the	DET
afbr-71	117	17	primary	primary	ADJ
afbr-71	117	18	objective	objective	NOUN
afbr-71	117	19	to	to	PART
afbr-71	117	20	evaluate	evaluate	VERB
afbr-71	117	21	the	the	DET
afbr-71	117	22	various	various	ADJ
afbr-71	117	23	types	type	NOUN
afbr-71	117	24	of	of	ADP
afbr-71	117	25	risk	risk	NOUN
afbr-71	117	26	faced	face	VERB
afbr-71	117	27	by	by	ADP
afbr-71	117	28	banks	bank	NOUN
afbr-71	117	29	operating	operate	VERB
afbr-71	117	30	in	in	ADP
afbr-71	117	31	barbados	barbado	NOUN
afbr-71	117	32	.	.	PUNCT
afbr-71	118	1	the	the	DET
afbr-71	118	2	main	main	ADJ
afbr-71	118	3	findings	finding	NOUN
afbr-71	118	4	of	of	ADP
afbr-71	118	5	the	the	DET
afbr-71	118	6	study	study	NOUN
afbr-71	118	7	are	be	AUX
afbr-71	118	8	:	:	PUNCT
afbr-71	118	9	risk	risk	NOUN
afbr-71	118	10	managers	manager	NOUN
afbr-71	118	11	perceive	perceive	ADJ
afbr-71	118	12	risk	risk	NOUN
afbr-71	118	13	management	management	NOUN
afbr-71	118	14	as	as	ADP
afbr-71	118	15	critical	critical	ADJ
afbr-71	118	16	factors	factor	NOUN
afbr-71	118	17	to	to	ADP
afbr-71	118	18	banks	bank	NOUN
afbr-71	118	19	’	'	PUNCT
afbr-71	118	20	performance	performance	NOUN
afbr-71	118	21	;	;	PUNCT
afbr-71	118	22	the	the	DET
afbr-71	118	23	types	type	NOUN
afbr-71	118	24	of	of	ADP
afbr-71	118	25	risks	risk	NOUN
afbr-71	118	26	causing	cause	VERB
afbr-71	118	27	the	the	DET
afbr-71	118	28	extreme	extreme	ADJ
afbr-71	118	29	exposures	exposure	NOUN
afbr-71	118	30	are	be	AUX
afbr-71	118	31	credit	credit	NOUN
afbr-71	118	32	risk	risk	NOUN
afbr-71	118	33	,	,	PUNCT
afbr-71	118	34	operational	operational	ADJ
afbr-71	118	35	risk	risk	NOUN
afbr-71	118	36	,	,	PUNCT
afbr-71	118	37	country	country	NOUN
afbr-71	118	38	or	or	CCONJ
afbr-71	118	39	sovereign	sovereign	ADJ
afbr-71	118	40	risk	risk	NOUN
afbr-71	118	41	,	,	PUNCT
afbr-71	118	42	interest	interest	NOUN
afbr-71	118	43	rate	rate	NOUN
afbr-71	118	44	risk	risk	NOUN
afbr-71	118	45	and	and	CCONJ
afbr-71	118	46	market	market	NOUN
afbr-71	118	47	risk	risk	NOUN
afbr-71	118	48	;	;	PUNCT
afbr-71	118	49	there	there	PRON
afbr-71	118	50	is	be	VERB
afbr-71	118	51	a	a	DET
afbr-71	118	52	high	high	ADJ
afbr-71	118	53	level	level	NOUN
afbr-71	118	54	of	of	ADP
afbr-71	118	55	success	success	NOUN
afbr-71	118	56	with	with	ADP
afbr-71	118	57	current	current	ADJ
afbr-71	118	58	risk	risk	NOUN
afbr-71	118	59	management	management	NOUN
afbr-71	118	60	practices	practice	NOUN
afbr-71	118	61	and	and	CCONJ
afbr-71	118	62	these	these	DET
afbr-71	118	63	practices	practice	NOUN
afbr-71	118	64	have	have	AUX
afbr-71	118	65	evolved	evolve	VERB
afbr-71	118	66	over	over	ADP
afbr-71	118	67	time	time	NOUN
afbr-71	118	68	in	in	ADP
afbr-71	118	69	line	line	NOUN
afbr-71	118	70	with	with	ADP
afbr-71	118	71	the	the	DET
afbr-71	118	72	changing	change	VERB
afbr-71	118	73	economic	economic	ADJ
afbr-71	118	74	environment	environment	NOUN
afbr-71	118	75	and	and	CCONJ
afbr-71	118	76	regulatory	regulatory	ADJ
afbr-71	118	77	updates	update	NOUN
afbr-71	118	78	.	.	PUNCT
afbr-71	119	1	bilal	bilal	PROPN
afbr-71	119	2	,	,	PUNCT
afbr-71	119	3	talib	talib	PROPN
afbr-71	119	4	,	,	PUNCT
afbr-71	119	5	&	&	CCONJ
afbr-71	119	6	khan	khan	PROPN
afbr-71	119	7	(	(	PUNCT
afbr-71	119	8	2013	2013	NUM
afbr-71	119	9	)	)	PUNCT
afbr-71	119	10	examined	examine	VERB
afbr-71	119	11	the	the	DET
afbr-71	119	12	risk	risk	NOUN
afbr-71	119	13	management	management	NOUN
afbr-71	119	14	in	in	ADP
afbr-71	119	15	the	the	DET
afbr-71	119	16	banking	banking	NOUN
afbr-71	119	17	sector	sector	NOUN
afbr-71	119	18	with	with	ADP
afbr-71	119	19	the	the	DET
afbr-71	119	20	evidence	evidence	NOUN
afbr-71	119	21	from	from	ADP
afbr-71	119	22	the	the	DET
afbr-71	119	23	sub	sub	NOUN
afbr-71	119	24	continent	continent	NOUN
afbr-71	119	25	and	and	CCONJ
afbr-71	119	26	gulf	gulf	PROPN
afbr-71	119	27	country	country	NOUN
afbr-71	119	28	.	.	PUNCT
afbr-71	120	1	based	base	VERB
afbr-71	120	2	on	on	ADP
afbr-71	120	3	statistical	statistical	ADJ
afbr-71	120	4	analysis	analysis	NOUN
afbr-71	120	5	and	and	CCONJ
afbr-71	120	6	personal	personal	ADJ
afbr-71	120	7	surveys	survey	NOUN
afbr-71	120	8	,	,	PUNCT
afbr-71	120	9	research	research	NOUN
afbr-71	120	10	findings	finding	NOUN
afbr-71	120	11	concluded	conclude	VERB
afbr-71	120	12	that	that	SCONJ
afbr-71	120	13	banking	banking	NOUN
afbr-71	120	14	sector	sector	NOUN
afbr-71	120	15	of	of	ADP
afbr-71	120	16	the	the	DET
afbr-71	120	17	study	study	NOUN
afbr-71	120	18	countries	country	NOUN
afbr-71	120	19	had	have	VERB
afbr-71	120	20	deep	deep	ADJ
afbr-71	120	21	concerns	concern	NOUN
afbr-71	120	22	with	with	ADP
afbr-71	120	23	potential	potential	ADJ
afbr-71	120	24	risk	risk	NOUN
afbr-71	120	25	challenges	challenge	NOUN
afbr-71	120	26	and	and	CCONJ
afbr-71	120	27	they	they	PRON
afbr-71	120	28	were	be	AUX
afbr-71	120	29	in	in	ADP
afbr-71	120	30	a	a	DET
afbr-71	120	31	continuous	continuous	ADJ
afbr-71	120	32	process	process	NOUN
afbr-71	120	33	to	to	PART
afbr-71	120	34	improve	improve	VERB
afbr-71	120	35	the	the	DET
afbr-71	120	36	risk	risk	NOUN
afbr-71	120	37	measurement	measurement	NOUN
afbr-71	120	38	framework	framework	NOUN
afbr-71	120	39	in	in	ADP
afbr-71	120	40	accordance	accordance	NOUN
afbr-71	120	41	with	with	ADP
afbr-71	120	42	the	the	DET
afbr-71	120	43	latest	late	ADJ
afbr-71	120	44	regulatory	regulatory	ADJ
afbr-71	120	45	obligations	obligation	NOUN
afbr-71	120	46	.	.	PUNCT
afbr-71	121	1	all	all	DET
afbr-71	121	2	three	three	NUM
afbr-71	121	3	types	type	NOUN
afbr-71	121	4	of	of	ADP
afbr-71	121	5	banks	bank	NOUN
afbr-71	121	6	had	have	VERB
afbr-71	121	7	a	a	DET
afbr-71	121	8	clear	clear	ADJ
afbr-71	121	9	understanding	understanding	NOUN
afbr-71	121	10	of	of	ADP
afbr-71	121	11	rm	rm	NOUN
afbr-71	121	12	practices	practice	NOUN
afbr-71	121	13	and	and	CCONJ
afbr-71	121	14	strong	strong	ADJ
afbr-71	121	15	relationship	relationship	NOUN
afbr-71	121	16	was	be	AUX
afbr-71	121	17	observed	observe	VERB
afbr-71	121	18	between	between	ADP
afbr-71	121	19	predictors	predictor	NOUN
afbr-71	121	20	and	and	CCONJ
afbr-71	121	21	endogenous	endogenous	ADJ
afbr-71	121	22	variables	variable	NOUN
afbr-71	121	23	.	.	PUNCT
afbr-71	122	1	arora	arora	PROPN
afbr-71	122	2	&	&	CCONJ
afbr-71	122	3	kumar	kumar	PROPN
afbr-71	122	4	(	(	PUNCT
afbr-71	122	5	2014	2014	NUM
afbr-71	122	6	)	)	PUNCT
afbr-71	122	7	,	,	PUNCT
afbr-71	122	8	evaluated	evaluate	VERB
afbr-71	122	9	the	the	DET
afbr-71	122	10	credit	credit	NOUN
afbr-71	122	11	risk	risk	NOUN
afbr-71	122	12	management	management	NOUN
afbr-71	122	13	framework	framework	NOUN
afbr-71	122	14	of	of	ADP
afbr-71	122	15	public	public	ADJ
afbr-71	122	16	and	and	CCONJ
afbr-71	122	17	private	private	ADJ
afbr-71	122	18	sector	sector	NOUN
afbr-71	122	19	banks	bank	NOUN
afbr-71	122	20	in	in	ADP
afbr-71	122	21	india	india	PROPN
afbr-71	122	22	.	.	PUNCT
afbr-71	123	1	the	the	DET
afbr-71	123	2	findings	finding	NOUN
afbr-71	123	3	revealed	reveal	VERB
afbr-71	123	4	that	that	SCONJ
afbr-71	123	5	the	the	DET
afbr-71	123	6	strength	strength	NOUN
afbr-71	123	7	of	of	ADP
afbr-71	123	8	the	the	DET
afbr-71	123	9	overall	overall	ADJ
afbr-71	123	10	crm	crm	NOUN
afbr-71	123	11	framework	framework	NOUN
afbr-71	123	12	did	do	AUX
afbr-71	123	13	not	not	PART
afbr-71	123	14	vary	vary	VERB
afbr-71	123	15	significantly	significantly	ADV
afbr-71	123	16	between	between	ADP
afbr-71	123	17	public	public	ADJ
afbr-71	123	18	and	and	CCONJ
afbr-71	123	19	private	private	ADJ
afbr-71	123	20	sector	sector	NOUN
afbr-71	123	21	banks	bank	NOUN
afbr-71	123	22	as	as	ADP
afbr-71	123	23	on	on	ADP
afbr-71	123	24	the	the	DET
afbr-71	123	25	whole	whole	NOUN
afbr-71	123	26	there	there	PRON
afbr-71	123	27	was	be	VERB
afbr-71	123	28	very	very	ADV
afbr-71	123	29	little	little	ADJ
afbr-71	123	30	difference	difference	NOUN
afbr-71	123	31	in	in	ADP
afbr-71	123	32	the	the	DET
afbr-71	123	33	scores	score	NOUN
afbr-71	123	34	of	of	ADP
afbr-71	123	35	the	the	DET
afbr-71	123	36	public	public	ADJ
afbr-71	123	37	and	and	CCONJ
afbr-71	123	38	private	private	ADJ
afbr-71	123	39	sector	sector	NOUN
afbr-71	123	40	banks	bank	NOUN
afbr-71	123	41	.	.	PUNCT
afbr-71	124	1	imbierowicz	imbierowicz	VERB
afbr-71	124	2	&	&	CCONJ
afbr-71	124	3	rauch	rauch	PROPN
afbr-71	124	4	(	(	PUNCT
afbr-71	124	5	2014	2014	NUM
afbr-71	124	6	)	)	PUNCT
afbr-71	124	7	investigated	investigate	VERB
afbr-71	124	8	the	the	DET
afbr-71	124	9	relationship	relationship	NOUN
afbr-71	124	10	between	between	ADP
afbr-71	124	11	the	the	DET
afbr-71	124	12	two	two	NUM
afbr-71	124	13	major	major	ADJ
afbr-71	124	14	sources	source	NOUN
afbr-71	124	15	of	of	ADP
afbr-71	124	16	bank	bank	NOUN
afbr-71	124	17	default	default	NOUN
afbr-71	124	18	risk	risk	NOUN
afbr-71	124	19	:	:	PUNCT
afbr-71	124	20	liquidity	liquidity	NOUN
afbr-71	124	21	risk	risk	NOUN
afbr-71	124	22	and	and	CCONJ
afbr-71	124	23	credit	credit	NOUN
afbr-71	124	24	risk	risk	NOUN
afbr-71	124	25	.	.	PUNCT
afbr-71	125	1	the	the	DET
afbr-71	125	2	result	result	NOUN
afbr-71	125	3	of	of	ADP
afbr-71	125	4	the	the	DET
afbr-71	125	5	research	research	NOUN
afbr-71	125	6	showed	show	VERB
afbr-71	125	7	that	that	SCONJ
afbr-71	125	8	both	both	DET
afbr-71	125	9	risk	risk	NOUN
afbr-71	125	10	categories	category	NOUN
afbr-71	125	11	did	do	AUX
afbr-71	125	12	not	not	PART
afbr-71	125	13	have	have	VERB
afbr-71	125	14	an	an	DET
afbr-71	125	15	economically	economically	ADV
afbr-71	125	16	meaningful	meaningful	ADJ
afbr-71	125	17	reciprocal	reciprocal	ADJ
afbr-71	125	18	contemporary	contemporary	ADJ
afbr-71	125	19	or	or	CCONJ
afbr-71	125	20	time	time	NOUN
afbr-71	125	21	-	-	PUNCT
afbr-71	125	22	lagged	lag	VERB
afbr-71	125	23	relationship	relationship	NOUN
afbr-71	125	24	.	.	PUNCT
afbr-71	126	1	these	these	DET
afbr-71	126	2	results	result	NOUN
afbr-71	126	3	provided	provide	VERB
afbr-71	126	4	new	new	ADJ
afbr-71	126	5	insights	insight	NOUN
afbr-71	126	6	into	into	ADP
afbr-71	126	7	the	the	DET
afbr-71	126	8	understanding	understanding	NOUN
afbr-71	126	9	of	of	ADP
afbr-71	126	10	bank	bank	NOUN
afbr-71	126	11	risk	risk	NOUN
afbr-71	126	12	,	,	PUNCT
afbr-71	126	13	as	as	SCONJ
afbr-71	126	14	developed	develop	VERB
afbr-71	126	15	by	by	ADP
afbr-71	126	16	the	the	DET
afbr-71	126	17	body	body	NOUN
afbr-71	126	18	of	of	ADP
afbr-71	126	19	literature	literature	NOUN
afbr-71	126	20	on	on	ADP
afbr-71	126	21	bank	bank	NOUN
afbr-71	126	22	stability	stability	NOUN
afbr-71	126	23	risk	risk	NOUN
afbr-71	126	24	in	in	ADP
afbr-71	126	25	general	general	ADJ
afbr-71	126	26	and	and	CCONJ
afbr-71	126	27	credit	credit	NOUN
afbr-71	126	28	and	and	CCONJ
afbr-71	126	29	liquidity	liquidity	NOUN
afbr-71	126	30	risk	risk	NOUN
afbr-71	126	31	in	in	ADP
afbr-71	126	32	particular	particular	ADJ
afbr-71	126	33	.	.	PUNCT
afbr-71	127	1	luqman	luqman	PROPN
afbr-71	127	2	(	(	PUNCT
afbr-71	127	3	2014	2014	NUM
afbr-71	127	4	)	)	PUNCT
afbr-71	127	5	studied	study	VERB
afbr-71	127	6	the	the	DET
afbr-71	127	7	effect	effect	NOUN
afbr-71	127	8	of	of	ADP
afbr-71	127	9	credit	credit	NOUN
afbr-71	127	10	risk	risk	NOUN
afbr-71	127	11	on	on	ADP
afbr-71	127	12	commercial	commercial	ADJ
afbr-71	127	13	bank	bank	NOUN
afbr-71	127	14	performance	performance	NOUN
afbr-71	127	15	in	in	ADP
afbr-71	127	16	nigeria	nigeria	PROPN
afbr-71	127	17	.	.	PUNCT
afbr-71	128	1	secondary	secondary	ADJ
afbr-71	128	2	data	datum	NOUN
afbr-71	128	3	were	be	AUX
afbr-71	128	4	explored	explore	VERB
afbr-71	128	5	in	in	ADP
afbr-71	128	6	presenting	present	VERB
afbr-71	128	7	the	the	DET
afbr-71	128	8	facts	fact	NOUN
afbr-71	128	9	of	of	ADP
afbr-71	128	10	the	the	DET
afbr-71	128	11	situation	situation	NOUN
afbr-71	128	12	.	.	PUNCT
afbr-71	129	1	the	the	DET
afbr-71	129	2	result	result	NOUN
afbr-71	129	3	showed	show	VERB
afbr-71	129	4	that	that	SCONJ
afbr-71	129	5	the	the	DET
afbr-71	129	6	ratio	ratio	NOUN
afbr-71	129	7	of	of	ADP
afbr-71	129	8	loan	loan	NOUN
afbr-71	129	9	and	and	CCONJ
afbr-71	129	10	advances	advance	NOUN
afbr-71	129	11	to	to	PART
afbr-71	129	12	total	total	VERB
afbr-71	129	13	deposit	deposit	NOUN
afbr-71	129	14	negatively	negatively	ADV
afbr-71	129	15	related	relate	VERB
afbr-71	129	16	to	to	ADP
afbr-71	129	17	profitability	profitability	NOUN
afbr-71	129	18	,	,	PUNCT
afbr-71	129	19	though	though	SCONJ
afbr-71	129	20	insignificant	insignificant	ADJ
afbr-71	129	21	,	,	PUNCT
afbr-71	129	22	and	and	CCONJ
afbr-71	129	23	that	that	SCONJ
afbr-71	129	24	the	the	DET
afbr-71	129	25	ratio	ratio	NOUN
afbr-71	129	26	of	of	ADP
afbr-71	129	27	non	non	ADJ
afbr-71	129	28	-	-	ADJ
afbr-71	129	29	performing	performing	ADJ
afbr-71	129	30	loan	loan	NOUN
afbr-71	129	31	to	to	ADP
afbr-71	129	32	loan	loan	NOUN
afbr-71	129	33	&	&	CCONJ
afbr-71	129	34	advances	advance	NOUN
afbr-71	129	35	negatively	negatively	ADV
afbr-71	129	36	related	relate	VERB
afbr-71	129	37	to	to	ADP
afbr-71	129	38	profitability	profitability	NOUN
afbr-71	129	39	.	.	PUNCT
afbr-71	130	1	this	this	DET
afbr-71	130	2	study	study	NOUN
afbr-71	130	3	showed	show	VERB
afbr-71	130	4	a	a	DET
afbr-71	130	5	significant	significant	ADJ
afbr-71	130	6	relationship	relationship	NOUN
afbr-71	130	7	between	between	ADP
afbr-71	130	8	bank	bank	NOUN
afbr-71	130	9	performance	performance	NOUN
afbr-71	130	10	and	and	CCONJ
afbr-71	130	11	credit	credit	NOUN
afbr-71	130	12	risk	risk	NOUN
afbr-71	130	13	management	management	NOUN
afbr-71	130	14	.	.	PUNCT
afbr-71	131	1	overall	overall	ADJ
afbr-71	131	2	credit	credit	NOUN
afbr-71	131	3	and	and	CCONJ
afbr-71	131	4	npls	npls	NOUN
afbr-71	131	5	were	be	AUX
afbr-71	131	6	major	major	ADJ
afbr-71	131	7	variables	variable	NOUN
afbr-71	131	8	in	in	ADP
afbr-71	131	9	determining	determine	VERB
afbr-71	131	10	asset	asset	NOUN
afbr-71	131	11	quality	quality	NOUN
afbr-71	131	12	of	of	ADP
afbr-71	131	13	commercial	commercial	ADJ
afbr-71	131	14	bank	bank	NOUN
afbr-71	131	15	.	.	PUNCT
afbr-71	132	1	comparative	comparative	ADJ
afbr-71	132	2	study	study	NOUN
afbr-71	132	3	on	on	ADP
afbr-71	132	4	credit	credit	NOUN
afbr-71	132	5	monitoring	monitoring	NOUN
afbr-71	132	6	practices	practice	NOUN
afbr-71	132	7	in	in	ADP
afbr-71	132	8	slected	slecte	VERB
afbr-71	132	9	banks	bank	NOUN
afbr-71	132	10	of	of	ADP
afbr-71	132	11	nepal	nepal	ADJ
afbr-71	132	12	fatta	fatta	PROPN
afbr-71	132	13	bahadur	bahadur	PROPN
afbr-71	132	14	k.c	k.c	PROPN
afbr-71	132	15	and	and	CCONJ
afbr-71	132	16	indra	indra	PROPN
afbr-71	132	17	kumar	kumar	PROPN
afbr-71	132	18	kattel	kattel	PROPN
afbr-71	132	19	19	19	NUM
afbr-71	132	20	3	3	NUM
afbr-71	132	21	.	.	PUNCT
afbr-71	132	22	research	research	NOUN
afbr-71	132	23	method	method	NOUN
afbr-71	132	24	and	and	CCONJ
afbr-71	132	25	materials	material	NOUN
afbr-71	132	26	in	in	ADP
afbr-71	132	27	order	order	NOUN
afbr-71	132	28	to	to	PART
afbr-71	132	29	fulfill	fulfill	VERB
afbr-71	132	30	the	the	DET
afbr-71	132	31	research	research	NOUN
afbr-71	132	32	objective	objective	NOUN
afbr-71	133	1	,	,	PUNCT
afbr-71	133	2	questionnaires	questionnaire	NOUN
afbr-71	133	3	were	be	AUX
afbr-71	133	4	design	design	NOUN
afbr-71	133	5	to	to	PART
afbr-71	133	6	collect	collect	VERB
afbr-71	133	7	the	the	DET
afbr-71	133	8	primary	primary	ADJ
afbr-71	133	9	data	datum	NOUN
afbr-71	133	10	.	.	PUNCT
afbr-71	134	1	the	the	DET
afbr-71	134	2	researcher	researcher	NOUN
afbr-71	134	3	has	have	AUX
afbr-71	134	4	chosen	choose	VERB
afbr-71	134	5	the	the	DET
afbr-71	134	6	survey	survey	NOUN
afbr-71	134	7	as	as	ADP
afbr-71	134	8	the	the	DET
afbr-71	134	9	appropriate	appropriate	ADJ
afbr-71	134	10	research	research	NOUN
afbr-71	134	11	design	design	NOUN
afbr-71	134	12	for	for	ADP
afbr-71	134	13	the	the	DET
afbr-71	134	14	study	study	NOUN
afbr-71	134	15	,	,	PUNCT
afbr-71	134	16	and	and	CCONJ
afbr-71	134	17	as	as	ADP
afbr-71	134	18	such	such	ADJ
afbr-71	134	19	,	,	PUNCT
afbr-71	134	20	questionnaires	questionnaire	NOUN
afbr-71	134	21	were	be	AUX
afbr-71	134	22	used	use	VERB
afbr-71	134	23	as	as	ADP
afbr-71	134	24	research	research	NOUN
afbr-71	134	25	instruments	instrument	NOUN
afbr-71	134	26	.	.	PUNCT
afbr-71	135	1	the	the	DET
afbr-71	135	2	study	study	NOUN
afbr-71	135	3	was	be	AUX
afbr-71	135	4	based	base	VERB
afbr-71	135	5	on	on	ADP
afbr-71	135	6	a	a	DET
afbr-71	135	7	sample	sample	NOUN
afbr-71	135	8	of	of	ADP
afbr-71	135	9	10	10	NUM
afbr-71	135	10	commercial	commercial	ADJ
afbr-71	135	11	banks	bank	NOUN
afbr-71	135	12	,	,	PUNCT
afbr-71	135	13	comprising	comprise	VERB
afbr-71	135	14	5	5	NUM
afbr-71	135	15	private	private	ADJ
afbr-71	135	16	sector	sector	NOUN
afbr-71	135	17	banks	bank	NOUN
afbr-71	135	18	and	and	CCONJ
afbr-71	135	19	5	5	NUM
afbr-71	135	20	joint	joint	ADJ
afbr-71	135	21	venture	venture	NOUN
afbr-71	135	22	banks	bank	NOUN
afbr-71	135	23	,	,	PUNCT
afbr-71	135	24	which	which	PRON
afbr-71	135	25	were	be	AUX
afbr-71	135	26	randomly	randomly	ADV
afbr-71	135	27	chosen	choose	VERB
afbr-71	135	28	.	.	PUNCT
afbr-71	136	1	descriptive	descriptive	ADJ
afbr-71	136	2	statistics	statistic	NOUN
afbr-71	136	3	,	,	PUNCT
afbr-71	136	4	anova	anova	PROPN
afbr-71	136	5	and	and	CCONJ
afbr-71	136	6	regression	regression	NOUN
afbr-71	136	7	used	use	VERB
afbr-71	136	8	to	to	PART
afbr-71	136	9	analyze	analyze	VERB
afbr-71	136	10	the	the	DET
afbr-71	136	11	data	datum	NOUN
afbr-71	136	12	.	.	PUNCT
afbr-71	137	1	to	to	PART
afbr-71	137	2	ensure	ensure	VERB
afbr-71	137	3	accuracy	accuracy	NOUN
afbr-71	137	4	,	,	PUNCT
afbr-71	137	5	internal	internal	ADJ
afbr-71	137	6	consistency	consistency	NOUN
afbr-71	137	7	and	and	CCONJ
afbr-71	137	8	completeness	completeness	NOUN
afbr-71	137	9	,	,	PUNCT
afbr-71	137	10	reliability	reliability	NOUN
afbr-71	137	11	of	of	ADP
afbr-71	137	12	the	the	DET
afbr-71	137	13	instrument	instrument	NOUN
afbr-71	137	14	was	be	AUX
afbr-71	137	15	established	establish	VERB
afbr-71	137	16	using	use	VERB
afbr-71	137	17	cronbach	cronbach	NOUN
afbr-71	137	18	’s	’s	PART
afbr-71	137	19	alpha	alpha	NOUN
afbr-71	137	20	coefficient	coefficient	NOUN
afbr-71	137	21	test	test	NOUN
afbr-71	137	22	(	(	PUNCT
afbr-71	137	23	cronbach	cronbach	ADJ
afbr-71	137	24	,	,	PUNCT
afbr-71	137	25	1946	1946	NUM
afbr-71	137	26	)	)	PUNCT
afbr-71	137	27	.	.	PUNCT
afbr-71	138	1	the	the	DET
afbr-71	138	2	choice	choice	NOUN
afbr-71	138	3	of	of	ADP
afbr-71	138	4	this	this	DET
afbr-71	138	5	indicator	indicator	NOUN
afbr-71	138	6	was	be	AUX
afbr-71	138	7	influenced	influence	VERB
afbr-71	138	8	by	by	ADP
afbr-71	138	9	the	the	DET
afbr-71	138	10	simplicity	simplicity	NOUN
afbr-71	138	11	and	and	CCONJ
afbr-71	138	12	its	its	PRON
afbr-71	138	13	prominence	prominence	NOUN
afbr-71	138	14	in	in	ADP
afbr-71	138	15	banking	banking	NOUN
afbr-71	138	16	risk	risk	NOUN
afbr-71	138	17	literature	literature	NOUN
afbr-71	138	18	.	.	PUNCT
afbr-71	139	1	the	the	DET
afbr-71	139	2	higher	high	ADJ
afbr-71	139	3	generated	generate	VERB
afbr-71	139	4	score	score	NOUN
afbr-71	139	5	is	be	AUX
afbr-71	139	6	more	more	ADV
afbr-71	139	7	reliable	reliable	ADJ
afbr-71	139	8	.	.	PUNCT
afbr-71	140	1	nunnaly	nunnaly	PROPN
afbr-71	140	2	(	(	PUNCT
afbr-71	140	3	1978	1978	NUM
afbr-71	140	4	)	)	PUNCT
afbr-71	140	5	has	have	AUX
afbr-71	140	6	indicated	indicate	VERB
afbr-71	140	7	0.7	0.7	NUM
afbr-71	140	8	to	to	PART
afbr-71	140	9	be	be	AUX
afbr-71	140	10	an	an	DET
afbr-71	140	11	acceptable	acceptable	ADJ
afbr-71	140	12	reliability	reliability	NOUN
afbr-71	140	13	coefficient	coefficient	NOUN
afbr-71	140	14	to	to	PART
afbr-71	140	15	measure	measure	VERB
afbr-71	140	16	the	the	DET
afbr-71	140	17	reliability	reliability	NOUN
afbr-71	140	18	but	but	CCONJ
afbr-71	140	19	lower	low	ADJ
afbr-71	140	20	thresholds	threshold	NOUN
afbr-71	140	21	are	be	AUX
afbr-71	140	22	sometimes	sometimes	ADV
afbr-71	140	23	used	use	VERB
afbr-71	140	24	in	in	ADP
afbr-71	140	25	the	the	DET
afbr-71	140	26	literature	literature	NOUN
afbr-71	140	27	.	.	PUNCT
afbr-71	141	1	in	in	ADP
afbr-71	141	2	this	this	DET
afbr-71	141	3	case	case	NOUN
afbr-71	141	4	,	,	PUNCT
afbr-71	141	5	the	the	DET
afbr-71	141	6	alpha	alpha	NOUN
afbr-71	141	7	(	(	PUNCT
afbr-71	141	8	α	α	NOUN
afbr-71	141	9	)	)	PUNCT
afbr-71	141	10	coefficients	coefficient	NOUN
afbr-71	141	11	were	be	AUX
afbr-71	141	12	0.84	0.84	NUM
afbr-71	141	13	,	,	PUNCT
afbr-71	141	14	which	which	PRON
afbr-71	141	15	is	be	AUX
afbr-71	141	16	acceptable	acceptable	ADJ
afbr-71	141	17	level	level	NOUN
afbr-71	141	18	.	.	PUNCT
afbr-71	142	1	4	4	X
afbr-71	142	2	.	.	NOUN
afbr-71	142	3	result	result	NOUN
afbr-71	142	4	and	and	CCONJ
afbr-71	142	5	discussion	discussion	NOUN
afbr-71	142	6	this	this	DET
afbr-71	142	7	section	section	NOUN
afbr-71	142	8	presents	present	VERB
afbr-71	142	9	the	the	DET
afbr-71	142	10	findings	finding	NOUN
afbr-71	142	11	obtained	obtain	VERB
afbr-71	142	12	from	from	ADP
afbr-71	142	13	the	the	DET
afbr-71	142	14	data	datum	NOUN
afbr-71	142	15	analysis	analysis	NOUN
afbr-71	142	16	.	.	PUNCT
afbr-71	143	1	this	this	DET
afbr-71	143	2	result	result	NOUN
afbr-71	143	3	is	be	AUX
afbr-71	143	4	presented	present	VERB
afbr-71	143	5	in	in	ADP
afbr-71	143	6	two	two	NUM
afbr-71	143	7	sub	sub	NOUN
afbr-71	143	8	sections	section	NOUN
afbr-71	143	9	:	:	PUNCT
afbr-71	143	10	descriptive	descriptive	ADJ
afbr-71	143	11	statistical	statistical	ADJ
afbr-71	143	12	analysis	analysis	NOUN
afbr-71	143	13	and	and	CCONJ
afbr-71	143	14	regression	regression	VERB
afbr-71	143	15	analysis	analysis	NOUN
afbr-71	143	16	.	.	PUNCT
afbr-71	144	1	4.1	4.1	NUM
afbr-71	144	2	descriptive	descriptive	ADJ
afbr-71	144	3	statistical	statistical	ADJ
afbr-71	144	4	analysis	analysis	NOUN
afbr-71	144	5	as	as	SCONJ
afbr-71	144	6	shown	show	VERB
afbr-71	144	7	in	in	ADP
afbr-71	144	8	the	the	DET
afbr-71	144	9	given	give	VERB
afbr-71	144	10	table	table	NOUN
afbr-71	144	11	,	,	PUNCT
afbr-71	144	12	there	there	PRON
afbr-71	144	13	was	be	VERB
afbr-71	144	14	found	find	VERB
afbr-71	144	15	difference	difference	NOUN
afbr-71	144	16	of	of	ADP
afbr-71	144	17	mean	mean	ADJ
afbr-71	144	18	value	value	NOUN
afbr-71	144	19	of	of	ADP
afbr-71	144	20	the	the	DET
afbr-71	144	21	credit	credit	NOUN
afbr-71	144	22	monitoring	monitoring	NOUN
afbr-71	144	23	practice	practice	NOUN
afbr-71	144	24	such	such	ADJ
afbr-71	144	25	as	as	ADP
afbr-71	144	26	periodically	periodically	ADV
afbr-71	144	27	review	review	NOUN
afbr-71	144	28	of	of	ADP
afbr-71	144	29	the	the	DET
afbr-71	144	30	security	security	NOUN
afbr-71	144	31	documents	document	NOUN
afbr-71	144	32	,	,	PUNCT
afbr-71	144	33	credit	credit	NOUN
afbr-71	144	34	processing	processing	NOUN
afbr-71	144	35	procedure	procedure	NOUN
afbr-71	144	36	,	,	PUNCT
afbr-71	144	37	compliance	compliance	NOUN
afbr-71	144	38	of	of	ADP
afbr-71	144	39	covenants	covenant	NOUN
afbr-71	144	40	setup	setup	NOUN
afbr-71	144	41	during	during	ADP
afbr-71	144	42	credit	credit	NOUN
afbr-71	144	43	approval	approval	NOUN
afbr-71	144	44	,	,	PUNCT
afbr-71	144	45	technique	technique	NOUN
afbr-71	144	46	to	to	PART
afbr-71	144	47	control	control	VERB
afbr-71	144	48	default	default	NOUN
afbr-71	144	49	,	,	PUNCT
afbr-71	144	50	risk	risk	NOUN
afbr-71	144	51	reporting	reporting	NOUN
afbr-71	144	52	,	,	PUNCT
afbr-71	144	53	review	review	NOUN
afbr-71	144	54	of	of	ADP
afbr-71	144	55	loan	loan	NOUN
afbr-71	144	56	account	account	NOUN
afbr-71	144	57	and	and	CCONJ
afbr-71	144	58	regular	regular	ADJ
afbr-71	144	59	follow	follow	NOUN
afbr-71	144	60	-	-	PUNCT
afbr-71	144	61	up	up	NOUN
afbr-71	144	62	in	in	ADP
afbr-71	144	63	private	private	ADJ
afbr-71	144	64	sector	sector	NOUN
afbr-71	144	65	and	and	CCONJ
afbr-71	144	66	joint	joint	ADJ
afbr-71	144	67	venture	venture	NOUN
afbr-71	144	68	banks	bank	NOUN
afbr-71	144	69	in	in	ADP
afbr-71	144	70	nepal	nepal	ADJ
afbr-71	144	71	.	.	PUNCT
afbr-71	145	1	the	the	DET
afbr-71	145	2	result	result	NOUN
afbr-71	145	3	indicates	indicate	VERB
afbr-71	145	4	that	that	SCONJ
afbr-71	145	5	credit	credit	NOUN
afbr-71	145	6	monitoring	monitoring	NOUN
afbr-71	145	7	practices	practice	NOUN
afbr-71	145	8	were	be	AUX
afbr-71	145	9	different	different	ADJ
afbr-71	145	10	in	in	ADP
afbr-71	145	11	the	the	DET
afbr-71	145	12	nepalese	nepalese	ADJ
afbr-71	145	13	commercial	commercial	ADJ
afbr-71	145	14	banks	bank	NOUN
afbr-71	145	15	.	.	PUNCT
afbr-71	146	1	table	table	NOUN
afbr-71	146	2	1	1	NUM
afbr-71	146	3	descriptive	descriptive	ADJ
afbr-71	146	4	statistics	statistic	NOUN
afbr-71	146	5	of	of	ADP
afbr-71	146	6	factors	factor	NOUN
afbr-71	146	7	of	of	ADP
afbr-71	146	8	monitoring	monitor	VERB
afbr-71	146	9	practice	practice	NOUN
afbr-71	146	10	source	source	NOUN
afbr-71	146	11	:	:	PUNCT
afbr-71	146	12	survey	survey	NOUN
afbr-71	146	13	data	datum	NOUN
afbr-71	146	14	2015	2015	NUM
afbr-71	146	15	,	,	PUNCT
afbr-71	146	16	psb	psb	PROPN
afbr-71	146	17	=	=	PROPN
afbr-71	146	18	public	public	ADJ
afbr-71	146	19	sector	sector	NOUN
afbr-71	146	20	banks	bank	NOUN
afbr-71	146	21	,	,	PUNCT
afbr-71	146	22	jvb=	jvb=	PROPN
afbr-71	146	23	joint	joint	ADJ
afbr-71	146	24	venture	venture	NOUN
afbr-71	146	25	banks	bank	NOUN
afbr-71	146	26	comparative	comparative	ADJ
afbr-71	146	27	study	study	NOUN
afbr-71	146	28	on	on	ADP
afbr-71	146	29	credit	credit	NOUN
afbr-71	146	30	monitoring	monitoring	NOUN
afbr-71	146	31	practices	practice	NOUN
afbr-71	146	32	in	in	ADP
afbr-71	146	33	slected	slecte	VERB
afbr-71	146	34	banks	bank	NOUN
afbr-71	146	35	of	of	ADP
afbr-71	146	36	nepal	nepal	ADJ
afbr-71	146	37	fatta	fatta	PROPN
afbr-71	146	38	bahadur	bahadur	PROPN
afbr-71	146	39	k.c	k.c	PROPN
afbr-71	146	40	and	and	CCONJ
afbr-71	146	41	indra	indra	PROPN
afbr-71	146	42	kumar	kumar	PROPN
afbr-71	146	43	kattel	kattel	PROPN
afbr-71	146	44	20	20	NUM
afbr-71	146	45	the	the	DET
afbr-71	146	46	one	one	NUM
afbr-71	146	47	way	way	NOUN
afbr-71	146	48	anova	anova	PROPN
afbr-71	146	49	has	have	AUX
afbr-71	146	50	been	be	AUX
afbr-71	146	51	used	use	VERB
afbr-71	146	52	to	to	PART
afbr-71	146	53	see	see	VERB
afbr-71	146	54	the	the	DET
afbr-71	146	55	any	any	DET
afbr-71	146	56	differences	difference	NOUN
afbr-71	146	57	between	between	ADP
afbr-71	146	58	private	private	ADJ
afbr-71	146	59	sector	sector	NOUN
afbr-71	146	60	and	and	CCONJ
afbr-71	146	61	joint	joint	ADJ
afbr-71	146	62	venture	venture	NOUN
afbr-71	146	63	banks	bank	NOUN
afbr-71	146	64	in	in	ADP
afbr-71	146	65	the	the	DET
afbr-71	146	66	analysis	analysis	NOUN
afbr-71	146	67	of	of	ADP
afbr-71	146	68	the	the	DET
afbr-71	146	69	periodically	periodically	ADJ
afbr-71	146	70	review	review	NOUN
afbr-71	146	71	of	of	ADP
afbr-71	146	72	the	the	DET
afbr-71	146	73	security	security	NOUN
afbr-71	146	74	documents	document	NOUN
afbr-71	146	75	taken	take	VERB
afbr-71	146	76	by	by	ADP
afbr-71	146	77	the	the	DET
afbr-71	146	78	bank	bank	NOUN
afbr-71	146	79	.	.	PUNCT
afbr-71	147	1	it	it	PRON
afbr-71	147	2	demonstrated	demonstrate	VERB
afbr-71	147	3	the	the	DET
afbr-71	147	4	model	model	NOUN
afbr-71	147	5	was	be	AUX
afbr-71	147	6	significant	significant	ADJ
afbr-71	147	7	(	(	PUNCT
afbr-71	147	8	p<0.05	p<0.05	NOUN
afbr-71	147	9	)	)	PUNCT
afbr-71	147	10	with	with	ADP
afbr-71	147	11	f	f	PROPN
afbr-71	147	12	value	value	NOUN
afbr-71	147	13	26.127	26.127	NUM
afbr-71	147	14	at	at	ADP
afbr-71	147	15	one	one	NUM
afbr-71	147	16	degree	degree	NOUN
afbr-71	147	17	of	of	ADP
afbr-71	147	18	freedom	freedom	NOUN
afbr-71	147	19	.	.	PUNCT
afbr-71	148	1	similarly	similarly	ADV
afbr-71	148	2	,	,	PUNCT
afbr-71	148	3	there	there	PRON
afbr-71	148	4	was	be	VERB
afbr-71	148	5	significant	significant	ADJ
afbr-71	148	6	differences	difference	NOUN
afbr-71	148	7	(	(	PUNCT
afbr-71	148	8	p<0.05	p<0.05	NOUN
afbr-71	148	9	)	)	PUNCT
afbr-71	148	10	in	in	ADP
afbr-71	148	11	the	the	DET
afbr-71	148	12	analysis	analysis	NOUN
afbr-71	148	13	of	of	ADP
afbr-71	148	14	the	the	DET
afbr-71	148	15	review	review	NOUN
afbr-71	148	16	of	of	ADP
afbr-71	148	17	credit	credit	NOUN
afbr-71	148	18	processing	processing	NOUN
afbr-71	148	19	procedure	procedure	NOUN
afbr-71	148	20	between	between	ADP
afbr-71	148	21	private	private	ADJ
afbr-71	148	22	sector	sector	NOUN
afbr-71	148	23	and	and	CCONJ
afbr-71	148	24	joint	joint	ADJ
afbr-71	148	25	venture	venture	NOUN
afbr-71	148	26	banks	bank	NOUN
afbr-71	148	27	with	with	ADP
afbr-71	148	28	f	f	PROPN
afbr-71	148	29	value	value	PROPN
afbr-71	148	30	112.464	112.464	NUM
afbr-71	148	31	at	at	ADP
afbr-71	148	32	one	one	NUM
afbr-71	148	33	degree	degree	NOUN
afbr-71	148	34	of	of	ADP
afbr-71	148	35	freedom	freedom	NOUN
afbr-71	148	36	.	.	PUNCT
afbr-71	149	1	the	the	DET
afbr-71	149	2	analysis	analysis	NOUN
afbr-71	149	3	of	of	ADP
afbr-71	149	4	variance	variance	NOUN
afbr-71	149	5	(	(	PUNCT
afbr-71	149	6	anova	anova	PROPN
afbr-71	149	7	)	)	PUNCT
afbr-71	149	8	of	of	ADP
afbr-71	149	9	review	review	VERB
afbr-71	149	10	the	the	DET
afbr-71	149	11	compliance	compliance	NOUN
afbr-71	149	12	of	of	ADP
afbr-71	149	13	covenants	covenant	NOUN
afbr-71	149	14	for	for	ADP
afbr-71	149	15	borrower	borrower	NOUN
afbr-71	149	16	shows	show	VERB
afbr-71	149	17	that	that	SCONJ
afbr-71	149	18	f	f	PROPN
afbr-71	149	19	value	value	NOUN
afbr-71	149	20	is	be	AUX
afbr-71	149	21	150.113	150.113	NUM
afbr-71	149	22	at	at	ADP
afbr-71	149	23	significant	significant	ADJ
afbr-71	149	24	level	level	NOUN
afbr-71	149	25	(	(	PUNCT
afbr-71	149	26	p<0.05	p<0.05	NOUN
afbr-71	149	27	)	)	PUNCT
afbr-71	149	28	suggesting	suggest	VERB
afbr-71	149	29	that	that	SCONJ
afbr-71	149	30	there	there	PRON
afbr-71	149	31	was	be	VERB
afbr-71	149	32	a	a	DET
afbr-71	149	33	significant	significant	ADJ
afbr-71	149	34	differences	difference	NOUN
afbr-71	149	35	between	between	ADP
afbr-71	149	36	two	two	NUM
afbr-71	149	37	group	group	NOUN
afbr-71	149	38	of	of	ADP
afbr-71	149	39	banks	bank	NOUN
afbr-71	149	40	.	.	PUNCT
afbr-71	150	1	similarly	similarly	ADV
afbr-71	150	2	,	,	PUNCT
afbr-71	150	3	anova	anova	X
afbr-71	150	4	of	of	ADP
afbr-71	150	5	review	review	VERB
afbr-71	150	6	the	the	DET
afbr-71	150	7	technique	technique	NOUN
afbr-71	150	8	to	to	PART
afbr-71	150	9	control	control	VERB
afbr-71	150	10	the	the	DET
afbr-71	150	11	default	default	NOUN
afbr-71	150	12	demonstrated	demonstrate	VERB
afbr-71	150	13	that	that	SCONJ
afbr-71	150	14	there	there	PRON
afbr-71	150	15	was	be	VERB
afbr-71	150	16	significant	significant	ADJ
afbr-71	150	17	(	(	PUNCT
afbr-71	150	18	p<0.05	p<0.05	NOUN
afbr-71	150	19	)	)	PUNCT
afbr-71	150	20	differences	difference	NOUN
afbr-71	150	21	with	with	ADP
afbr-71	150	22	f	f	PROPN
afbr-71	150	23	value	value	NOUN
afbr-71	150	24	147.179	147.179	NUM
afbr-71	150	25	at	at	ADP
afbr-71	150	26	one	one	NUM
afbr-71	150	27	degree	degree	NOUN
afbr-71	150	28	of	of	ADP
afbr-71	150	29	freedom	freedom	NOUN
afbr-71	150	30	.	.	PUNCT
afbr-71	151	1	table	table	NOUN
afbr-71	151	2	2	2	NUM
afbr-71	151	3	analysis	analysis	NOUN
afbr-71	151	4	of	of	ADP
afbr-71	151	5	variance	variance	NOUN
afbr-71	151	6	sum	sum	NOUN
afbr-71	151	7	of	of	ADP
afbr-71	151	8	squares	square	NOUN
afbr-71	151	9	df	df	PROPN
afbr-71	151	10	mean	mean	PROPN
afbr-71	151	11	square	square	PROPN
afbr-71	151	12	f	f	PROPN
afbr-71	151	13	sig	sig	PROPN
afbr-71	151	14	.	.	PUNCT
afbr-71	152	1	x1	x1	NUM
afbr-71	152	2	between	between	ADP
afbr-71	152	3	groups	group	NOUN
afbr-71	152	4	5.142	5.142	NUM
afbr-71	152	5	1	1	NUM
afbr-71	152	6	5.142	5.142	NUM
afbr-71	152	7	26.127	26.127	NUM
afbr-71	152	8	0	0	NUM
afbr-71	152	9	within	within	ADP
afbr-71	152	10	groups	group	NOUN
afbr-71	152	11	24.997	24.997	NUM
afbr-71	152	12	127	127	NUM
afbr-71	152	13	0.197	0.197	NUM
afbr-71	152	14	total	total	NOUN
afbr-71	152	15	30.14	30.14	NUM
afbr-71	152	16	128	128	NUM
afbr-71	152	17	x2	x2	NOUN
afbr-71	152	18	between	between	ADP
afbr-71	152	19	groups	group	NOUN
afbr-71	152	20	14.483	14.483	NUM
afbr-71	152	21	1	1	NUM
afbr-71	152	22	14.483	14.483	NUM
afbr-71	152	23	112.464	112.464	NUM
afbr-71	152	24	0	0	NUM
afbr-71	152	25	within	within	ADP
afbr-71	152	26	groups	group	NOUN
afbr-71	152	27	16.355	16.355	NUM
afbr-71	152	28	127	127	NUM
afbr-71	152	29	0.129	0.129	NUM
afbr-71	152	30	total	total	NOUN
afbr-71	152	31	30.837	30.837	NUM
afbr-71	152	32	128	128	NUM
afbr-71	152	33	x3	x3	ADV
afbr-71	152	34	between	between	ADP
afbr-71	152	35	groups	group	NOUN
afbr-71	152	36	16.327	16.327	NUM
afbr-71	152	37	1	1	NUM
afbr-71	152	38	16.327	16.327	NUM
afbr-71	152	39	150.113	150.113	NUM
afbr-71	152	40	0	0	NUM
afbr-71	152	41	within	within	ADP
afbr-71	152	42	groups	group	NOUN
afbr-71	152	43	13.813	13.813	NUM
afbr-71	152	44	127	127	NUM
afbr-71	152	45	0.109	0.109	NUM
afbr-71	152	46	total	total	NOUN
afbr-71	152	47	30.14	30.14	NUM
afbr-71	152	48	128	128	NUM
afbr-71	152	49	x4	x4	PROPN
afbr-71	152	50	.	.	PUNCT
afbr-71	153	1	between	between	ADP
afbr-71	153	2	groups	group	NOUN
afbr-71	153	3	16.662	16.662	NUM
afbr-71	153	4	1	1	NUM
afbr-71	153	5	16.662	16.662	NUM
afbr-71	153	6	147.179	147.179	NUM
afbr-71	153	7	0	0	NUM
afbr-71	153	8	within	within	ADP
afbr-71	153	9	groups	group	NOUN
afbr-71	153	10	14.377	14.377	NUM
afbr-71	153	11	127	127	NUM
afbr-71	153	12	0.113	0.113	NUM
afbr-71	153	13	total	total	NOUN
afbr-71	153	14	31.039	31.039	NUM
afbr-71	153	15	128	128	NUM
afbr-71	153	16	x5	x5	NOUN
afbr-71	153	17	between	between	ADP
afbr-71	153	18	groups	group	NOUN
afbr-71	153	19	30.707	30.707	NUM
afbr-71	153	20	1	1	NUM
afbr-71	153	21	30.707	30.707	NUM
afbr-71	153	22	396.488	396.488	NUM
afbr-71	153	23	0	0	NUM
afbr-71	153	24	within	within	ADP
afbr-71	153	25	groups	group	NOUN
afbr-71	153	26	0.982	0.982	NUM
afbr-71	153	27	127	127	NUM
afbr-71	153	28	0.008	0.008	NUM
afbr-71	153	29	total	total	NOUN
afbr-71	153	30	31.69	31.69	NUM
afbr-71	153	31	128	128	NUM
afbr-71	153	32	x6	x6	NOUN
afbr-71	153	33	between	between	ADP
afbr-71	153	34	groups	group	NOUN
afbr-71	153	35	15.407	15.407	NUM
afbr-71	153	36	1	1	NUM
afbr-71	153	37	15.407	15.407	NUM
afbr-71	153	38	122.383	122.383	NUM
afbr-71	153	39	0	0	NUM
afbr-71	153	40	within	within	ADP
afbr-71	153	41	groups	group	NOUN
afbr-71	153	42	15.988	15.988	NUM
afbr-71	153	43	127	127	NUM
afbr-71	153	44	0.126	0.126	NUM
afbr-71	153	45	total	total	VERB
afbr-71	153	46	31.395	31.395	NUM
afbr-71	153	47	128	128	NUM
afbr-71	153	48	x7	x7	NOUN
afbr-71	153	49	between	between	ADP
afbr-71	153	50	groups	group	NOUN
afbr-71	153	51	17.136	17.136	NUM
afbr-71	153	52	1	1	NUM
afbr-71	153	53	17.136	17.136	NUM
afbr-71	153	54	164.23	164.23	NUM
afbr-71	153	55	0	0	NUM
afbr-71	153	56	within	within	ADP
afbr-71	153	57	groups	group	NOUN
afbr-71	153	58	13.251	13.251	NUM
afbr-71	153	59	127	127	NUM
afbr-71	153	60	0.104	0.104	NUM
afbr-71	153	61	total	total	NOUN
afbr-71	153	62	30.388	30.388	NUM
afbr-71	153	63	128	128	NUM
afbr-71	153	64	the	the	DET
afbr-71	153	65	analysis	analysis	NOUN
afbr-71	153	66	of	of	ADP
afbr-71	153	67	variance	variance	NOUN
afbr-71	153	68	(	(	PUNCT
afbr-71	153	69	anova	anova	PROPN
afbr-71	153	70	)	)	PUNCT
afbr-71	153	71	of	of	ADP
afbr-71	153	72	risk	risk	NOUN
afbr-71	153	73	reporting	reporting	NOUN
afbr-71	153	74	of	of	ADP
afbr-71	153	75	borrower	borrower	NOUN
afbr-71	153	76	shows	show	VERB
afbr-71	153	77	that	that	SCONJ
afbr-71	153	78	f	f	PROPN
afbr-71	153	79	value	value	NOUN
afbr-71	153	80	is	be	AUX
afbr-71	153	81	396.488	396.488	NUM
afbr-71	153	82	at	at	ADP
afbr-71	153	83	significant	significant	ADJ
afbr-71	153	84	level	level	NOUN
afbr-71	153	85	(	(	PUNCT
afbr-71	153	86	p<0.05	p<0.05	NOUN
afbr-71	153	87	)	)	PUNCT
afbr-71	153	88	symptomatic	symptomatic	ADJ
afbr-71	153	89	of	of	ADP
afbr-71	153	90	significant	significant	ADJ
afbr-71	153	91	differences	difference	NOUN
afbr-71	153	92	between	between	ADP
afbr-71	153	93	two	two	NUM
afbr-71	153	94	group	group	NOUN
afbr-71	153	95	of	of	ADP
afbr-71	153	96	banks	bank	NOUN
afbr-71	153	97	.	.	PUNCT
afbr-71	154	1	similarly	similarly	ADV
afbr-71	154	2	,	,	PUNCT
afbr-71	154	3	anova	anova	PROPN
afbr-71	154	4	of	of	ADP
afbr-71	154	5	review	review	NOUN
afbr-71	154	6	of	of	ADP
afbr-71	154	7	loan	loan	NOUN
afbr-71	154	8	account	account	NOUN
afbr-71	154	9	demonstrated	demonstrate	VERB
afbr-71	154	10	that	that	SCONJ
afbr-71	154	11	there	there	PRON
afbr-71	154	12	was	be	VERB
afbr-71	154	13	significant	significant	ADJ
afbr-71	154	14	(	(	PUNCT
afbr-71	154	15	p<0.05	p<0.05	NOUN
afbr-71	154	16	)	)	PUNCT
afbr-71	154	17	differences	difference	NOUN
afbr-71	154	18	with	with	ADP
afbr-71	154	19	f	f	PROPN
afbr-71	154	20	value	value	NOUN
afbr-71	154	21	122.383	122.383	NUM
afbr-71	154	22	at	at	ADP
afbr-71	154	23	one	one	NUM
afbr-71	154	24	degree	degree	NOUN
afbr-71	154	25	of	of	ADP
afbr-71	154	26	freedom	freedom	NOUN
afbr-71	154	27	.	.	PUNCT
afbr-71	155	1	the	the	DET
afbr-71	155	2	analysis	analysis	NOUN
afbr-71	155	3	of	of	ADP
afbr-71	155	4	variance	variance	NOUN
afbr-71	155	5	(	(	PUNCT
afbr-71	155	6	anova	anova	PROPN
afbr-71	155	7	)	)	PUNCT
afbr-71	155	8	of	of	ADP
afbr-71	155	9	the	the	DET
afbr-71	155	10	regular	regular	ADJ
afbr-71	155	11	follow	follow	NOUN
afbr-71	155	12	-	-	PUNCT
afbr-71	155	13	up	up	NOUN
afbr-71	155	14	of	of	ADP
afbr-71	155	15	the	the	DET
afbr-71	155	16	client	client	NOUN
afbr-71	155	17	demonstrated	demonstrate	VERB
afbr-71	155	18	that	that	SCONJ
afbr-71	155	19	the	the	DET
afbr-71	155	20	model	model	NOUN
afbr-71	155	21	was	be	AUX
afbr-71	155	22	significant	significant	ADJ
afbr-71	155	23	(	(	PUNCT
afbr-71	155	24	p<0.05	p<0.05	NOUN
afbr-71	155	25	)	)	PUNCT
afbr-71	155	26	with	with	ADP
afbr-71	155	27	f	f	PROPN
afbr-71	155	28	value	value	NOUN
afbr-71	155	29	164.23	164.23	NUM
afbr-71	155	30	at	at	ADP
afbr-71	155	31	one	one	NUM
afbr-71	155	32	degree	degree	NOUN
afbr-71	155	33	of	of	ADP
afbr-71	155	34	freedom	freedom	NOUN
afbr-71	155	35	respectively	respectively	ADV
afbr-71	155	36	.	.	PUNCT
afbr-71	156	1	from	from	ADP
afbr-71	156	2	the	the	DET
afbr-71	156	3	above	above	ADJ
afbr-71	156	4	statistical	statistical	ADJ
afbr-71	156	5	explanation	explanation	NOUN
afbr-71	156	6	,	,	PUNCT
afbr-71	156	7	we	we	PRON
afbr-71	156	8	conclude	conclude	VERB
afbr-71	156	9	that	that	SCONJ
afbr-71	156	10	there	there	PRON
afbr-71	156	11	are	be	VERB
afbr-71	156	12	significant	significant	ADJ
afbr-71	156	13	differences	difference	NOUN
afbr-71	156	14	between	between	ADP
afbr-71	156	15	private	private	ADJ
afbr-71	156	16	sector	sector	NOUN
afbr-71	156	17	and	and	CCONJ
afbr-71	156	18	joint	joint	ADJ
afbr-71	156	19	venture	venture	NOUN
afbr-71	156	20	banks	bank	NOUN
afbr-71	156	21	in	in	ADP
afbr-71	156	22	the	the	DET
afbr-71	156	23	credit	credit	NOUN
afbr-71	156	24	monitoring	monitoring	NOUN
afbr-71	156	25	.	.	PUNCT
afbr-71	157	1	hence	hence	ADV
afbr-71	157	2	h1	h1	PROPN
afbr-71	157	3	is	be	AUX
afbr-71	157	4	accepted	accept	VERB
afbr-71	157	5	.	.	PUNCT
afbr-71	158	1	comparative	comparative	ADJ
afbr-71	158	2	study	study	NOUN
afbr-71	158	3	on	on	ADP
afbr-71	158	4	credit	credit	NOUN
afbr-71	158	5	monitoring	monitoring	NOUN
afbr-71	158	6	practices	practice	NOUN
afbr-71	158	7	in	in	ADP
afbr-71	158	8	slected	slecte	VERB
afbr-71	158	9	banks	bank	NOUN
afbr-71	158	10	of	of	ADP
afbr-71	158	11	nepal	nepal	ADJ
afbr-71	158	12	fatta	fatta	PROPN
afbr-71	158	13	bahadur	bahadur	PROPN
afbr-71	158	14	k.c	k.c	PROPN
afbr-71	158	15	and	and	CCONJ
afbr-71	158	16	indra	indra	PROPN
afbr-71	158	17	kumar	kumar	PROPN
afbr-71	158	18	kattel	kattel	PROPN
afbr-71	158	19	21	21	NUM
afbr-71	158	20	4.2	4.2	NUM
afbr-71	158	21	regression	regression	NOUN
afbr-71	158	22	analysis	analysis	NOUN
afbr-71	158	23	the	the	DET
afbr-71	158	24	dependent	dependent	ADJ
afbr-71	158	25	variable	variable	NOUN
afbr-71	158	26	considered	consider	VERB
afbr-71	158	27	for	for	ADP
afbr-71	158	28	this	this	DET
afbr-71	158	29	model	model	NOUN
afbr-71	158	30	is	be	AUX
afbr-71	158	31	cumulative	cumulative	ADJ
afbr-71	158	32	score	score	NOUN
afbr-71	158	33	of	of	ADP
afbr-71	158	34	different	different	ADJ
afbr-71	158	35	indicators	indicator	NOUN
afbr-71	158	36	of	of	ADP
afbr-71	158	37	the	the	DET
afbr-71	158	38	credit	credit	NOUN
afbr-71	158	39	risk	risk	NOUN
afbr-71	158	40	monitoring	monitoring	NOUN
afbr-71	158	41	and	and	CCONJ
afbr-71	158	42	control	control	NOUN
afbr-71	158	43	.	.	PUNCT
afbr-71	159	1	there	there	PRON
afbr-71	159	2	are	be	VERB
afbr-71	159	3	more	more	ADJ
afbr-71	159	4	than	than	ADP
afbr-71	159	5	7	7	NUM
afbr-71	159	6	variables	variable	NOUN
afbr-71	159	7	,	,	PUNCT
afbr-71	159	8	all	all	PRON
afbr-71	159	9	measured	measure	VERB
afbr-71	159	10	in	in	ADP
afbr-71	159	11	likert	likert	ADJ
afbr-71	159	12	scale	scale	NOUN
afbr-71	159	13	converting	convert	VERB
afbr-71	159	14	them	they	PRON
afbr-71	159	15	to	to	ADP
afbr-71	159	16	a	a	DET
afbr-71	159	17	numeric	numeric	ADJ
afbr-71	159	18	score	score	NOUN
afbr-71	159	19	.	.	PUNCT
afbr-71	160	1	it	it	PRON
afbr-71	160	2	shows	show	VERB
afbr-71	160	3	that	that	SCONJ
afbr-71	160	4	dependent	dependent	ADJ
afbr-71	160	5	variable	variable	NOUN
afbr-71	160	6	is	be	AUX
afbr-71	160	7	explained	explain	VERB
afbr-71	160	8	by	by	ADP
afbr-71	160	9	joint	joint	ADJ
afbr-71	160	10	correlation	correlation	NOUN
afbr-71	160	11	coefficient	coefficient	NOUN
afbr-71	160	12	of	of	ADP
afbr-71	160	13	0.913	0.913	NUM
afbr-71	160	14	that	that	SCONJ
afbr-71	160	15	according	accord	VERB
afbr-71	160	16	to	to	ADP
afbr-71	160	17	dancey	dancey	NOUN
afbr-71	160	18	and	and	CCONJ
afbr-71	160	19	reidy	reidy	NOUN
afbr-71	160	20	(	(	PUNCT
afbr-71	160	21	2004	2004	NUM
afbr-71	160	22	)	)	PUNCT
afbr-71	160	23	categorization	categorization	NOUN
afbr-71	160	24	is	be	AUX
afbr-71	160	25	a	a	DET
afbr-71	160	26	high	high	ADJ
afbr-71	160	27	correlation	correlation	NOUN
afbr-71	160	28	.	.	PUNCT
afbr-71	161	1	similarly	similarly	ADV
afbr-71	161	2	around	around	ADV
afbr-71	161	3	83.3	83.3	NUM
afbr-71	161	4	%	%	NOUN
afbr-71	161	5	of	of	ADP
afbr-71	161	6	the	the	DET
afbr-71	161	7	variability	variability	NOUN
afbr-71	161	8	explained	explain	VERB
afbr-71	161	9	by	by	ADP
afbr-71	161	10	the	the	DET
afbr-71	161	11	independent	independent	ADJ
afbr-71	161	12	factors	factor	NOUN
afbr-71	161	13	has	have	AUX
afbr-71	161	14	been	be	AUX
afbr-71	161	15	included	include	VERB
afbr-71	161	16	in	in	ADP
afbr-71	161	17	the	the	DET
afbr-71	161	18	model	model	NOUN
afbr-71	161	19	.	.	PUNCT
afbr-71	162	1	table	table	NOUN
afbr-71	162	2	3	3	NUM
afbr-71	162	3	model	model	NOUN
afbr-71	162	4	summary	summary	NOUN
afbr-71	162	5	model	model	NOUN
afbr-71	162	6	r	r	PROPN
afbr-71	162	7	r	r	NOUN
afbr-71	162	8	square	square	ADJ
afbr-71	162	9	adjusted	adjust	VERB
afbr-71	162	10	r	r	NOUN
afbr-71	162	11	square	square	ADJ
afbr-71	162	12	std	std	NOUN
afbr-71	162	13	.	.	PUNCT
afbr-71	163	1	error	error	NOUN
afbr-71	163	2	of	of	ADP
afbr-71	163	3	the	the	DET
afbr-71	163	4	estimate	estimate	NOUN
afbr-71	163	5	durbin	durbin	NOUN
afbr-71	163	6	-	-	PUNCT
afbr-71	163	7	watson	watson	NOUN
afbr-71	163	8	1	1	NUM
afbr-71	163	9	.913	.913	NUM
afbr-71	163	10	a	a	DET
afbr-71	163	11	0.833	0.833	NUM
afbr-71	163	12	0.823	0.823	NUM
afbr-71	163	13	5.94	5.94	NUM
afbr-71	163	14	0.672	0.672	NUM
afbr-71	163	15	a.	a.	NOUN
afbr-71	163	16	predictors	predictor	NOUN
afbr-71	163	17	:	:	PUNCT
afbr-71	163	18	(	(	PUNCT
afbr-71	163	19	constant	constant	ADJ
afbr-71	163	20	)	)	PUNCT
afbr-71	163	21	,	,	PUNCT
afbr-71	163	22	x1	x1	PROPN
afbr-71	163	23	-	-	PUNCT
afbr-71	163	24	x7	x7	NOUN
afbr-71	163	25	similarly	similarly	ADV
afbr-71	163	26	from	from	ADP
afbr-71	163	27	the	the	DET
afbr-71	163	28	anova	anova	PROPN
afbr-71	163	29	table	table	NOUN
afbr-71	163	30	,	,	PUNCT
afbr-71	163	31	it	it	PRON
afbr-71	163	32	is	be	AUX
afbr-71	163	33	shown	show	VERB
afbr-71	163	34	that	that	SCONJ
afbr-71	163	35	the	the	DET
afbr-71	163	36	model	model	NOUN
afbr-71	163	37	is	be	AUX
afbr-71	163	38	highly	highly	ADV
afbr-71	163	39	significant	significant	ADJ
afbr-71	163	40	(	(	PUNCT
afbr-71	163	41	p<.05	p<.05	NOUN
afbr-71	163	42	)	)	PUNCT
afbr-71	163	43	reflecting	reflect	VERB
afbr-71	163	44	that	that	SCONJ
afbr-71	163	45	the	the	DET
afbr-71	163	46	improvement	improvement	NOUN
afbr-71	163	47	in	in	ADP
afbr-71	163	48	the	the	DET
afbr-71	163	49	model	model	NOUN
afbr-71	163	50	is	be	AUX
afbr-71	163	51	found	find	VERB
afbr-71	163	52	than	than	ADP
afbr-71	163	53	in	in	ADP
afbr-71	163	54	the	the	DET
afbr-71	163	55	initial	initial	ADJ
afbr-71	163	56	model	model	NOUN
afbr-71	163	57	.	.	PUNCT
afbr-71	164	1	the	the	DET
afbr-71	164	2	f	f	PROPN
afbr-71	164	3	value	value	NOUN
afbr-71	164	4	is	be	AUX
afbr-71	164	5	86.079	86.079	NUM
afbr-71	164	6	at	at	ADP
afbr-71	164	7	7	7	NUM
afbr-71	164	8	degree	degree	NOUN
afbr-71	164	9	of	of	ADP
afbr-71	164	10	freedom	freedom	NOUN
afbr-71	164	11	.	.	PUNCT
afbr-71	165	1	hence	hence	ADV
afbr-71	165	2	,	,	PUNCT
afbr-71	165	3	h2	h2	PROPN
afbr-71	165	4	is	be	AUX
afbr-71	165	5	accepted	accept	VERB
afbr-71	165	6	.	.	PUNCT
afbr-71	166	1	table	table	NOUN
afbr-71	166	2	4	4	NUM
afbr-71	166	3	anova	anova	PROPN
afbr-71	166	4	model	model	NOUN
afbr-71	166	5	sum	sum	NOUN
afbr-71	166	6	of	of	ADP
afbr-71	166	7	squares	square	NOUN
afbr-71	166	8	df	df	PROPN
afbr-71	166	9	mean	mean	PROPN
afbr-71	166	10	square	square	PROPN
afbr-71	166	11	f	f	PROPN
afbr-71	166	12	sig	sig	PROPN
afbr-71	166	13	.	.	PROPN
afbr-71	166	14	1	1	NUM
afbr-71	166	15	regression	regression	NOUN
afbr-71	166	16	21262.191	21262.191	NUM
afbr-71	166	17	7	7	NUM
afbr-71	166	18	3037.456	3037.456	PROPN
afbr-71	166	19	86.079	86.079	NUM
afbr-71	166	20	.000	.000	NUM
afbr-71	166	21	b	b	NOUN
afbr-71	166	22	residual	residual	ADJ
afbr-71	166	23	4269.685	4269.685	NUM
afbr-71	166	24	121	121	NUM
afbr-71	166	25	35.287	35.287	NUM
afbr-71	166	26	total	total	NOUN
afbr-71	166	27	25531.876	25531.876	NUM
afbr-71	166	28	128	128	NUM
afbr-71	166	29	a.	a.	NOUN
afbr-71	166	30	dependent	dependent	ADJ
afbr-71	166	31	variable	variable	NOUN
afbr-71	166	32	:	:	PUNCT
afbr-71	166	33	credit	credit	NOUN
afbr-71	166	34	monitoring	monitoring	NOUN
afbr-71	166	35	practice	practice	NOUN
afbr-71	166	36	b.	b.	NOUN
afbr-71	166	37	predictors	predictor	NOUN
afbr-71	166	38	:	:	PUNCT
afbr-71	166	39	(	(	PUNCT
afbr-71	166	40	constant	constant	ADJ
afbr-71	166	41	)	)	PUNCT
afbr-71	166	42	,	,	PUNCT
afbr-71	166	43	x1	x1	PROPN
afbr-71	166	44	-	-	PUNCT
afbr-71	166	45	x7	x7	NOUN
afbr-71	166	46	after	after	ADP
afbr-71	166	47	finding	find	VERB
afbr-71	166	48	the	the	DET
afbr-71	166	49	model	model	NOUN
afbr-71	166	50	significance	significance	NOUN
afbr-71	166	51	,	,	PUNCT
afbr-71	166	52	we	we	PRON
afbr-71	166	53	have	have	AUX
afbr-71	166	54	gone	go	VERB
afbr-71	166	55	through	through	ADP
afbr-71	166	56	each	each	DET
afbr-71	166	57	and	and	CCONJ
afbr-71	166	58	every	every	PRON
afbr-71	166	59	independent	independent	ADJ
afbr-71	166	60	variable	variable	NOUN
afbr-71	166	61	.	.	PUNCT
afbr-71	167	1	the	the	DET
afbr-71	167	2	prime	prime	ADJ
afbr-71	167	3	motive	motive	NOUN
afbr-71	167	4	is	be	AUX
afbr-71	167	5	to	to	PART
afbr-71	167	6	identify	identify	VERB
afbr-71	167	7	the	the	DET
afbr-71	167	8	insignificant	insignificant	ADJ
afbr-71	167	9	ones	one	NOUN
afbr-71	167	10	and	and	CCONJ
afbr-71	167	11	remove	remove	VERB
afbr-71	167	12	them	they	PRON
afbr-71	167	13	from	from	ADP
afbr-71	167	14	the	the	DET
afbr-71	167	15	analysis	analysis	NOUN
afbr-71	167	16	.	.	PUNCT
afbr-71	168	1	then	then	ADV
afbr-71	168	2	after	after	ADV
afbr-71	168	3	,	,	PUNCT
afbr-71	168	4	the	the	DET
afbr-71	168	5	significant	significant	ADJ
afbr-71	168	6	contributions	contribution	NOUN
afbr-71	168	7	to	to	ADP
afbr-71	168	8	the	the	DET
afbr-71	168	9	dependent	dependent	ADJ
afbr-71	168	10	variables	variable	NOUN
afbr-71	168	11	have	have	AUX
afbr-71	168	12	been	be	AUX
afbr-71	168	13	explained	explain	VERB
afbr-71	168	14	in	in	ADP
afbr-71	168	15	detail	detail	NOUN
afbr-71	168	16	as	as	SCONJ
afbr-71	168	17	given	give	VERB
afbr-71	168	18	in	in	ADP
afbr-71	168	19	table	table	NOUN
afbr-71	168	20	no	no	INTJ
afbr-71	168	21	.	.	NOUN
afbr-71	168	22	5	5	X
afbr-71	168	23	.	.	X
afbr-71	168	24	periodically	periodically	ADV
afbr-71	168	25	review	review	VERB
afbr-71	168	26	of	of	ADP
afbr-71	168	27	the	the	DET
afbr-71	168	28	security	security	NOUN
afbr-71	168	29	documents	document	NOUN
afbr-71	168	30	,	,	PUNCT
afbr-71	168	31	credit	credit	NOUN
afbr-71	168	32	processing	processing	NOUN
afbr-71	168	33	procedure	procedure	NOUN
afbr-71	168	34	,	,	PUNCT
afbr-71	168	35	and	and	CCONJ
afbr-71	168	36	compliance	compliance	NOUN
afbr-71	168	37	of	of	ADP
afbr-71	168	38	covenants	covenant	NOUN
afbr-71	168	39	setup	setup	NOUN
afbr-71	168	40	during	during	ADP
afbr-71	168	41	credit	credit	NOUN
afbr-71	168	42	approval	approval	NOUN
afbr-71	168	43	,	,	PUNCT
afbr-71	168	44	risk	risk	NOUN
afbr-71	168	45	reporting	reporting	NOUN
afbr-71	168	46	,	,	PUNCT
afbr-71	168	47	review	review	NOUN
afbr-71	168	48	of	of	ADP
afbr-71	168	49	loan	loan	NOUN
afbr-71	168	50	account	account	NOUN
afbr-71	168	51	and	and	CCONJ
afbr-71	168	52	regular	regular	ADJ
afbr-71	168	53	follow	follow	NOUN
afbr-71	168	54	-	-	PUNCT
afbr-71	168	55	up	up	NOUN
afbr-71	168	56	were	be	AUX
afbr-71	168	57	found	find	VERB
afbr-71	168	58	significant	significant	ADJ
afbr-71	168	59	variables	variable	NOUN
afbr-71	168	60	during	during	ADP
afbr-71	168	61	the	the	DET
afbr-71	168	62	analysis	analysis	NOUN
afbr-71	168	63	.	.	PUNCT
afbr-71	169	1	risk	risk	NOUN
afbr-71	169	2	reporting	reporting	NOUN
afbr-71	169	3	is	be	AUX
afbr-71	169	4	variable	variable	ADJ
afbr-71	169	5	that	that	PRON
afbr-71	169	6	makes	make	VERB
afbr-71	169	7	the	the	DET
afbr-71	169	8	significant	significant	ADJ
afbr-71	169	9	contribution	contribution	NOUN
afbr-71	169	10	to	to	ADP
afbr-71	169	11	explaining	explain	VERB
afbr-71	169	12	the	the	DET
afbr-71	169	13	monitoring	monitoring	NOUN
afbr-71	169	14	practice	practice	NOUN
afbr-71	169	15	when	when	SCONJ
afbr-71	169	16	other	other	ADJ
afbr-71	169	17	remaining	remain	VERB
afbr-71	169	18	variables	variable	NOUN
afbr-71	169	19	are	be	AUX
afbr-71	169	20	controlled	control	VERB
afbr-71	169	21	for	for	ADP
afbr-71	169	22	with	with	ADP
afbr-71	169	23	beta	beta	ADJ
afbr-71	169	24	coefficient	coefficient	NOUN
afbr-71	169	25	of	of	ADP
afbr-71	169	26	0.0.511	0.0.511	PROPN
afbr-71	169	27	.	.	PUNCT
afbr-71	170	1	risk	risk	NOUN
afbr-71	170	2	reporting	reporting	NOUN
afbr-71	170	3	plays	play	VERB
afbr-71	170	4	the	the	DET
afbr-71	170	5	important	important	ADJ
afbr-71	170	6	roles	role	NOUN
afbr-71	170	7	to	to	PART
afbr-71	170	8	collect	collect	VERB
afbr-71	170	9	the	the	DET
afbr-71	170	10	information	information	NOUN
afbr-71	170	11	.	.	PUNCT
afbr-71	171	1	similarly	similarly	ADV
afbr-71	171	2	,	,	PUNCT
afbr-71	171	3	significant	significant	ADJ
afbr-71	171	4	contribution	contribution	NOUN
afbr-71	171	5	also	also	ADV
afbr-71	171	6	found	find	VERB
afbr-71	171	7	to	to	PART
afbr-71	171	8	make	make	VERB
afbr-71	171	9	by	by	ADP
afbr-71	171	10	regular	regular	ADJ
afbr-71	171	11	follow	follow	NOUN
afbr-71	171	12	-	-	PUNCT
afbr-71	171	13	up	up	NOUN
afbr-71	171	14	with	with	ADP
afbr-71	171	15	the	the	DET
afbr-71	171	16	beta	beta	ADJ
afbr-71	171	17	coefficient	coefficient	NOUN
afbr-71	171	18	of	of	ADP
afbr-71	171	19	0.461	0.461	NUM
afbr-71	171	20	,	,	PUNCT
afbr-71	171	21	and	and	CCONJ
afbr-71	171	22	periodically	periodically	ADV
afbr-71	171	23	review	review	VERB
afbr-71	171	24	the	the	DET
afbr-71	171	25	security	security	NOUN
afbr-71	171	26	documents	document	NOUN
afbr-71	171	27	with	with	ADP
afbr-71	171	28	the	the	DET
afbr-71	171	29	beta	beta	NOUN
afbr-71	171	30	value	value	NOUN
afbr-71	171	31	of	of	ADP
afbr-71	171	32	0.298	0.298	NUM
afbr-71	171	33	,	,	PUNCT
afbr-71	171	34	while	while	SCONJ
afbr-71	171	35	keeping	keep	VERB
afbr-71	171	36	all	all	DET
afbr-71	171	37	other	other	ADJ
afbr-71	171	38	variables	variable	NOUN
afbr-71	171	39	constant	constant	ADJ
afbr-71	171	40	.	.	PUNCT
afbr-71	172	1	table	table	NOUN
afbr-71	172	2	5	5	NUM
afbr-71	172	3	coefficients	coefficient	NOUN
afbr-71	172	4	a	a	DET
afbr-71	172	5	model	model	NOUN
afbr-71	172	6	unstandardized	unstandardized	ADJ
afbr-71	172	7	coefficients	coefficient	NOUN
afbr-71	172	8	standardized	standardize	VERB
afbr-71	172	9	coefficients	coefficient	NOUN
afbr-71	172	10	t	t	PROPN
afbr-71	172	11	sig	sig	PROPN
afbr-71	172	12	.	.	PUNCT
afbr-71	173	1	b	b	X
afbr-71	173	2	std	std	PROPN
afbr-71	173	3	.	.	NOUN
afbr-71	173	4	error	error	NOUN
afbr-71	173	5	beta	beta	NOUN
afbr-71	173	6	1	1	NUM
afbr-71	173	7	(	(	PUNCT
afbr-71	173	8	constant	constant	ADJ
afbr-71	173	9	)	)	PUNCT
afbr-71	173	10	-22.768	-22.768	PUNCT
afbr-71	174	1	1.957	1.957	NUM
afbr-71	174	2	-11.634	-11.634	SYM
afbr-71	174	3	0	0	NUM
afbr-71	174	4	comparative	comparative	ADJ
afbr-71	174	5	study	study	NOUN
afbr-71	174	6	on	on	ADP
afbr-71	174	7	credit	credit	NOUN
afbr-71	174	8	monitoring	monitoring	NOUN
afbr-71	174	9	practices	practice	NOUN
afbr-71	174	10	in	in	ADP
afbr-71	174	11	slected	slecte	VERB
afbr-71	174	12	banks	bank	NOUN
afbr-71	174	13	of	of	ADP
afbr-71	174	14	nepal	nepal	ADJ
afbr-71	174	15	fatta	fatta	PROPN
afbr-71	174	16	bahadur	bahadur	PROPN
afbr-71	174	17	k.c	k.c	PROPN
afbr-71	174	18	and	and	CCONJ
afbr-71	174	19	indra	indra	PROPN
afbr-71	174	20	kumar	kumar	PROPN
afbr-71	174	21	kattel	kattel	PROPN
afbr-71	174	22	22	22	NUM
afbr-71	174	23	x1	x1	PROPN
afbr-71	174	24	8.669	8.669	NUM
afbr-71	174	25	1.356	1.356	NUM
afbr-71	174	26	0.298	0.298	NUM
afbr-71	174	27	6.392	6.392	NUM
afbr-71	174	28	0	0	NUM
afbr-71	175	1	x2	x2	PROPN
afbr-71	175	2	8.284	8.284	NUM
afbr-71	175	3	4.008	4.008	NUM
afbr-71	175	4	0.288	0.288	NUM
afbr-71	175	5	2.067	2.067	NUM
afbr-71	175	6	0.041	0.041	NUM
afbr-71	175	7	x3	x3	ADJ
afbr-71	175	8	-21.762	-21.762	PROPN
afbr-71	175	9	7.546	7.546	NUM
afbr-71	175	10	-0.748	-0.748	NOUN
afbr-71	175	11	-2.884	-2.884	ADP
afbr-71	175	12	0.005	0.005	NUM
afbr-71	175	13	x4	x4	ADP
afbr-71	175	14	-0.431	-0.431	PUNCT
afbr-71	175	15	2.137	2.137	NUM
afbr-71	175	16	-0.015	-0.015	PRON
afbr-71	175	17	-0.202	-0.202	PROPN
afbr-71	175	18	0.84	0.84	NUM
afbr-71	175	19	x5	x5	NOUN
afbr-71	175	20	14.506	14.506	NUM
afbr-71	175	21	1.74	1.74	NUM
afbr-71	175	22	0.511	0.511	NUM
afbr-71	175	23	8.335	8.335	NUM
afbr-71	175	24	0	0	NUM
afbr-71	175	25	x6	x6	NUM
afbr-71	175	26	8.113	8.113	NUM
afbr-71	175	27	2.94	2.94	NUM
afbr-71	175	28	0.284	0.284	NUM
afbr-71	175	29	2.759	2.759	NUM
afbr-71	175	30	0.007	0.007	NUM
afbr-71	175	31	x7	x7	NOUN
afbr-71	175	32	13.359	13.359	NUM
afbr-71	175	33	6.098	6.098	NUM
afbr-71	175	34	0.461	0.461	NUM
afbr-71	175	35	2.191	2.191	NUM
afbr-71	175	36	0.03	0.03	NUM
afbr-71	175	37	a.	a.	NOUN
afbr-71	175	38	dependent	dependent	ADJ
afbr-71	175	39	variable	variable	NOUN
afbr-71	175	40	:	:	PUNCT
afbr-71	175	41	monitoring	monitor	VERB
afbr-71	175	42	practice	practice	NOUN
afbr-71	175	43	more	more	ADV
afbr-71	175	44	important	important	ADJ
afbr-71	175	45	,	,	PUNCT
afbr-71	175	46	compliance	compliance	NOUN
afbr-71	175	47	of	of	ADP
afbr-71	175	48	covenants	covenant	NOUN
afbr-71	175	49	was	be	AUX
afbr-71	175	50	the	the	DET
afbr-71	175	51	variable	variable	NOUN
afbr-71	175	52	with	with	ADP
afbr-71	175	53	beta	beta	ADJ
afbr-71	175	54	coefficient	coefficient	NOUN
afbr-71	175	55	(	(	PUNCT
afbr-71	175	56	0.-0.748	0.-0.748	NOUN
afbr-71	175	57	)	)	PUNCT
afbr-71	175	58	,	,	PUNCT
afbr-71	175	59	and	and	CCONJ
afbr-71	175	60	the	the	DET
afbr-71	175	61	review	review	NOUN
afbr-71	175	62	of	of	ADP
afbr-71	175	63	loan	loan	NOUN
afbr-71	175	64	account	account	NOUN
afbr-71	175	65	with	with	ADP
afbr-71	175	66	beta	beta	ADJ
afbr-71	175	67	coefficient	coefficient	NOUN
afbr-71	175	68	(	(	PUNCT
afbr-71	175	69	0.284	0.284	NUM
afbr-71	175	70	)	)	PUNCT
afbr-71	175	71	was	be	AUX
afbr-71	175	72	found	find	VERB
afbr-71	175	73	significant	significant	ADJ
afbr-71	175	74	predictor	predictor	NOUN
afbr-71	175	75	for	for	ADP
afbr-71	175	76	monitoring	monitor	VERB
afbr-71	175	77	practice	practice	NOUN
afbr-71	175	78	credit	credit	NOUN
afbr-71	175	79	risk	risk	NOUN
afbr-71	175	80	measurement	measurement	NOUN
afbr-71	175	81	.	.	PUNCT
afbr-71	176	1	5	5	X
afbr-71	176	2	.	.	X
afbr-71	176	3	conclusion	conclusion	NOUN
afbr-71	176	4	lending	lending	NOUN
afbr-71	176	5	is	be	AUX
afbr-71	176	6	a	a	DET
afbr-71	176	7	key	key	ADJ
afbr-71	176	8	business	business	NOUN
afbr-71	176	9	activity	activity	NOUN
afbr-71	176	10	in	in	ADP
afbr-71	176	11	the	the	DET
afbr-71	176	12	bank	bank	NOUN
afbr-71	176	13	.	.	PUNCT
afbr-71	177	1	the	the	DET
afbr-71	177	2	loan	loan	NOUN
afbr-71	177	3	portfolio	portfolio	NOUN
afbr-71	177	4	is	be	AUX
afbr-71	177	5	one	one	NUM
afbr-71	177	6	of	of	ADP
afbr-71	177	7	the	the	DET
afbr-71	177	8	largest	large	ADJ
afbr-71	177	9	assets	asset	NOUN
afbr-71	177	10	and	and	CCONJ
afbr-71	177	11	a	a	DET
afbr-71	177	12	chief	chief	ADJ
afbr-71	177	13	source	source	NOUN
afbr-71	177	14	of	of	ADP
afbr-71	177	15	revenue	revenue	NOUN
afbr-71	177	16	for	for	ADP
afbr-71	177	17	bank	bank	NOUN
afbr-71	177	18	,	,	PUNCT
afbr-71	177	19	but	but	CCONJ
afbr-71	177	20	is	be	AUX
afbr-71	177	21	also	also	ADV
afbr-71	177	22	a	a	DET
afbr-71	177	23	great	great	ADJ
afbr-71	177	24	source	source	NOUN
afbr-71	177	25	of	of	ADP
afbr-71	177	26	risk	risk	NOUN
afbr-71	177	27	to	to	ADP
afbr-71	177	28	a	a	DET
afbr-71	177	29	bank	bank	NOUN
afbr-71	177	30	’s	’s	PART
afbr-71	177	31	safety	safety	NOUN
afbr-71	177	32	and	and	CCONJ
afbr-71	177	33	soundness	soundness	NOUN
afbr-71	177	34	.	.	PUNCT
afbr-71	178	1	in	in	ADP
afbr-71	178	2	the	the	DET
afbr-71	178	3	view	view	NOUN
afbr-71	178	4	of	of	ADP
afbr-71	178	5	emerging	emerge	VERB
afbr-71	178	6	concern	concern	NOUN
afbr-71	178	7	from	from	ADP
afbr-71	178	8	the	the	DET
afbr-71	178	9	deceleration	deceleration	NOUN
afbr-71	178	10	in	in	ADP
afbr-71	178	11	credit	credit	NOUN
afbr-71	178	12	growth	growth	NOUN
afbr-71	178	13	to	to	ADP
afbr-71	178	14	different	different	ADJ
afbr-71	178	15	portfolio	portfolio	NOUN
afbr-71	178	16	,	,	PUNCT
afbr-71	178	17	there	there	PRON
afbr-71	178	18	is	be	VERB
afbr-71	178	19	need	need	NOUN
afbr-71	178	20	for	for	ADP
afbr-71	178	21	strong	strong	ADJ
afbr-71	178	22	and	and	CCONJ
afbr-71	178	23	effective	effective	ADJ
afbr-71	178	24	structured	structured	ADJ
afbr-71	178	25	mechanism	mechanism	NOUN
afbr-71	178	26	to	to	PART
afbr-71	178	27	put	put	VERB
afbr-71	178	28	in	in	ADP
afbr-71	178	29	the	the	DET
afbr-71	178	30	place	place	NOUN
afbr-71	178	31	in	in	ADP
afbr-71	178	32	every	every	DET
afbr-71	178	33	level	level	NOUN
afbr-71	178	34	.	.	PUNCT
afbr-71	179	1	since	since	SCONJ
afbr-71	179	2	credit	credit	NOUN
afbr-71	179	3	monitoring	monitoring	NOUN
afbr-71	179	4	is	be	AUX
afbr-71	179	5	a	a	DET
afbr-71	179	6	basic	basic	ADJ
afbr-71	179	7	preventive	preventive	ADJ
afbr-71	179	8	tool	tool	NOUN
afbr-71	179	9	to	to	PART
afbr-71	179	10	disclose	disclose	VERB
afbr-71	179	11	the	the	DET
afbr-71	179	12	regulatory	regulatory	ADJ
afbr-71	179	13	and	and	CCONJ
afbr-71	179	14	functional	functional	ADJ
afbr-71	179	15	weakness	weakness	NOUN
afbr-71	179	16	during	during	ADP
afbr-71	179	17	the	the	DET
afbr-71	179	18	credit	credit	NOUN
afbr-71	179	19	management	management	NOUN
afbr-71	179	20	.	.	PUNCT
afbr-71	180	1	monitoring	monitoring	NOUN
afbr-71	180	2	is	be	AUX
afbr-71	180	3	an	an	DET
afbr-71	180	4	integral	integral	ADJ
afbr-71	180	5	part	part	NOUN
afbr-71	180	6	of	of	ADP
afbr-71	180	7	our	our	PRON
afbr-71	180	8	credit	credit	NOUN
afbr-71	180	9	risk	risk	NOUN
afbr-71	180	10	management	management	NOUN
afbr-71	180	11	practices	practice	NOUN
afbr-71	180	12	.	.	PUNCT
afbr-71	181	1	it	it	PRON
afbr-71	181	2	is	be	AUX
afbr-71	181	3	the	the	DET
afbr-71	181	4	responsibility	responsibility	NOUN
afbr-71	181	5	of	of	ADP
afbr-71	181	6	each	each	DET
afbr-71	181	7	credit	credit	NOUN
afbr-71	181	8	officer	officer	NOUN
afbr-71	181	9	to	to	PART
afbr-71	181	10	undertake	undertake	VERB
afbr-71	181	11	ongoing	ongoing	ADJ
afbr-71	181	12	credit	credit	NOUN
afbr-71	181	13	monitoring	monitoring	NOUN
afbr-71	181	14	for	for	ADP
afbr-71	181	15	their	their	PRON
afbr-71	181	16	allocated	allocate	VERB
afbr-71	181	17	portfolio	portfolio	NOUN
afbr-71	181	18	of	of	ADP
afbr-71	181	19	the	the	DET
afbr-71	181	20	clients	client	NOUN
afbr-71	181	21	.	.	PUNCT
afbr-71	182	1	bank	bank	NOUN
afbr-71	182	2	has	have	VERB
afbr-71	182	3	specific	specific	ADJ
afbr-71	182	4	procedures	procedure	NOUN
afbr-71	182	5	in	in	ADP
afbr-71	182	6	place	place	NOUN
afbr-71	182	7	intended	intend	VERB
afbr-71	182	8	to	to	PART
afbr-71	182	9	identify	identify	VERB
afbr-71	182	10	at	at	ADP
afbr-71	182	11	an	an	DET
afbr-71	182	12	early	early	ADJ
afbr-71	182	13	stage	stage	NOUN
afbr-71	182	14	credit	credit	NOUN
afbr-71	182	15	exposures	exposure	NOUN
afbr-71	182	16	for	for	ADP
afbr-71	182	17	which	which	PRON
afbr-71	182	18	there	there	PRON
afbr-71	182	19	may	may	AUX
afbr-71	182	20	be	be	AUX
afbr-71	182	21	an	an	DET
afbr-71	182	22	increased	increase	VERB
afbr-71	182	23	risk	risk	NOUN
afbr-71	182	24	of	of	ADP
afbr-71	182	25	loss	loss	NOUN
afbr-71	182	26	.	.	PUNCT
afbr-71	183	1	the	the	DET
afbr-71	183	2	objective	objective	NOUN
afbr-71	183	3	this	this	DET
afbr-71	183	4	early	early	ADJ
afbr-71	183	5	warning	warning	NOUN
afbr-71	183	6	system	system	NOUN
afbr-71	183	7	is	be	AUX
afbr-71	183	8	to	to	PART
afbr-71	183	9	address	address	VERB
afbr-71	183	10	potential	potential	ADJ
afbr-71	183	11	problems	problem	NOUN
afbr-71	183	12	while	while	SCONJ
afbr-71	183	13	adequate	adequate	ADJ
afbr-71	183	14	options	option	NOUN
afbr-71	183	15	for	for	ADP
afbr-71	183	16	action	action	NOUN
afbr-71	183	17	.	.	PUNCT
afbr-71	184	1	this	this	DET
afbr-71	184	2	early	early	ADJ
afbr-71	184	3	risk	risk	NOUN
afbr-71	184	4	detection	detection	NOUN
afbr-71	184	5	is	be	AUX
afbr-71	184	6	an	an	DET
afbr-71	184	7	ideology	ideology	NOUN
afbr-71	184	8	of	of	ADP
afbr-71	184	9	the	the	DET
afbr-71	184	10	credit	credit	NOUN
afbr-71	184	11	culture	culture	NOUN
afbr-71	184	12	and	and	CCONJ
afbr-71	184	13	is	be	AUX
afbr-71	184	14	intended	intend	VERB
afbr-71	184	15	to	to	PART
afbr-71	184	16	ensure	ensure	VERB
afbr-71	184	17	that	that	SCONJ
afbr-71	184	18	greater	great	ADJ
afbr-71	184	19	attention	attention	NOUN
afbr-71	184	20	is	be	AUX
afbr-71	184	21	paid	pay	VERB
afbr-71	184	22	to	to	ADP
afbr-71	184	23	such	such	ADJ
afbr-71	184	24	exposures	exposure	NOUN
afbr-71	184	25	.	.	PUNCT
afbr-71	185	1	so	so	ADV
afbr-71	185	2	that	that	SCONJ
afbr-71	185	3	monitoring	monitoring	NOUN
afbr-71	185	4	parameters	parameter	NOUN
afbr-71	185	5	should	should	AUX
afbr-71	185	6	be	be	AUX
afbr-71	185	7	established	establish	VERB
afbr-71	185	8	to	to	PART
afbr-71	185	9	diagnosis	diagnosis	VERB
afbr-71	185	10	the	the	DET
afbr-71	185	11	weakness	weakness	NOUN
afbr-71	185	12	.	.	PUNCT
afbr-71	186	1	monitoring	monitoring	NOUN
afbr-71	186	2	is	be	AUX
afbr-71	186	3	an	an	DET
afbr-71	186	4	ongoing	ongoing	ADJ
afbr-71	186	5	process	process	NOUN
afbr-71	186	6	in	in	ADP
afbr-71	186	7	the	the	DET
afbr-71	186	8	banking	banking	NOUN
afbr-71	186	9	business	business	NOUN
afbr-71	186	10	.	.	PUNCT
afbr-71	187	1	hence	hence	ADV
afbr-71	187	2	,	,	PUNCT
afbr-71	187	3	most	most	ADJ
afbr-71	187	4	common	common	ADJ
afbr-71	187	5	procedures	procedure	NOUN
afbr-71	187	6	should	should	AUX
afbr-71	187	7	be	be	AUX
afbr-71	187	8	implimentation	implimentation	ADJ
afbr-71	187	9	in	in	ADP
afbr-71	187	10	regular	regular	ADJ
afbr-71	187	11	basis	basis	NOUN
afbr-71	187	12	.	.	PUNCT
afbr-71	188	1	the	the	DET
afbr-71	188	2	periodically	periodically	ADJ
afbr-71	188	3	review	review	NOUN
afbr-71	188	4	of	of	ADP
afbr-71	188	5	the	the	DET
afbr-71	188	6	security	security	NOUN
afbr-71	188	7	documents	document	NOUN
afbr-71	188	8	,	,	PUNCT
afbr-71	188	9	credit	credit	NOUN
afbr-71	188	10	processing	processing	NOUN
afbr-71	188	11	procedure	procedure	NOUN
afbr-71	188	12	,	,	PUNCT
afbr-71	188	13	compliance	compliance	NOUN
afbr-71	188	14	of	of	ADP
afbr-71	188	15	covenants	covenant	NOUN
afbr-71	188	16	setup	setup	NOUN
afbr-71	188	17	during	during	ADP
afbr-71	188	18	credit	credit	NOUN
afbr-71	188	19	approval	approval	NOUN
afbr-71	188	20	,	,	PUNCT
afbr-71	188	21	technique	technique	NOUN
afbr-71	188	22	to	to	PART
afbr-71	188	23	control	control	VERB
afbr-71	188	24	default	default	NOUN
afbr-71	188	25	,	,	PUNCT
afbr-71	188	26	risk	risk	NOUN
afbr-71	188	27	reporting	reporting	NOUN
afbr-71	188	28	,	,	PUNCT
afbr-71	188	29	review	review	NOUN
afbr-71	188	30	of	of	ADP
afbr-71	188	31	loan	loan	NOUN
afbr-71	188	32	account	account	NOUN
afbr-71	188	33	and	and	CCONJ
afbr-71	188	34	regular	regular	ADJ
afbr-71	188	35	follow	follow	NOUN
afbr-71	188	36	-	-	PUNCT
afbr-71	188	37	up	up	NOUN
afbr-71	188	38	are	be	AUX
afbr-71	188	39	the	the	DET
afbr-71	188	40	common	common	ADJ
afbr-71	188	41	practices	practice	NOUN
afbr-71	188	42	for	for	ADP
afbr-71	188	43	credit	credit	NOUN
afbr-71	188	44	monitoring	monitoring	NOUN
afbr-71	188	45	,	,	PUNCT
afbr-71	188	46	that	that	PRON
afbr-71	188	47	support	support	VERB
afbr-71	188	48	to	to	PART
afbr-71	188	49	reduce	reduce	VERB
afbr-71	188	50	the	the	DET
afbr-71	188	51	credit	credit	NOUN
afbr-71	188	52	risk	risk	NOUN
afbr-71	188	53	.	.	PUNCT
afbr-71	189	1	in	in	ADP
afbr-71	189	2	this	this	DET
afbr-71	189	3	research	research	NOUN
afbr-71	189	4	,	,	PUNCT
afbr-71	189	5	the	the	DET
afbr-71	189	6	limited	limited	ADJ
afbr-71	189	7	source	source	NOUN
afbr-71	189	8	of	of	ADP
afbr-71	189	9	the	the	DET
afbr-71	189	10	credit	credit	NOUN
afbr-71	189	11	risk	risk	NOUN
afbr-71	189	12	is	be	AUX
afbr-71	189	13	considered	consider	VERB
afbr-71	189	14	as	as	ADP
afbr-71	189	15	a	a	DET
afbr-71	189	16	primary	primary	ADJ
afbr-71	189	17	data	datum	NOUN
afbr-71	189	18	.	.	PUNCT
afbr-71	190	1	the	the	DET
afbr-71	190	2	statistical	statistical	ADJ
afbr-71	190	3	result	result	NOUN
afbr-71	190	4	obtained	obtain	VERB
afbr-71	190	5	through	through	ADP
afbr-71	190	6	primary	primary	ADJ
afbr-71	190	7	data	datum	NOUN
afbr-71	190	8	analysis	analysis	NOUN
afbr-71	190	9	is	be	AUX
afbr-71	190	10	not	not	PART
afbr-71	190	11	correlated	correlate	VERB
afbr-71	190	12	using	use	VERB
afbr-71	190	13	the	the	DET
afbr-71	190	14	secondary	secondary	ADJ
afbr-71	190	15	data	datum	NOUN
afbr-71	190	16	.	.	PUNCT
afbr-71	191	1	this	this	PRON
afbr-71	191	2	may	may	AUX
afbr-71	191	3	be	be	AUX
afbr-71	191	4	the	the	DET
afbr-71	191	5	prospective	prospective	ADJ
afbr-71	191	6	area	area	NOUN
afbr-71	191	7	for	for	ADP
afbr-71	191	8	future	future	ADJ
afbr-71	191	9	researcher	researcher	NOUN
afbr-71	191	10	in	in	ADP
afbr-71	191	11	banking	banking	NOUN
afbr-71	191	12	sector	sector	NOUN
afbr-71	191	13	.	.	PUNCT
afbr-71	192	1	references	reference	NOUN
afbr-71	192	2	abdelrahim	abdelrahim	PROPN
afbr-71	192	3	,	,	PUNCT
afbr-71	192	4	k.	k.	PROPN
afbr-71	192	5	e.	e.	PROPN
afbr-71	192	6	(	(	PUNCT
afbr-71	192	7	2013	2013	NUM
afbr-71	192	8	)	)	PUNCT
afbr-71	192	9	.	.	PUNCT
afbr-71	193	1	effectiveness	effectiveness	NOUN
afbr-71	193	2	of	of	ADP
afbr-71	193	3	credit	credit	NOUN
afbr-71	193	4	risk	risk	NOUN
afbr-71	193	5	management	management	NOUN
afbr-71	193	6	of	of	ADP
afbr-71	193	7	saudi	saudi	ADJ
afbr-71	193	8	banks	bank	NOUN
afbr-71	193	9	in	in	ADP
afbr-71	193	10	the	the	DET
afbr-71	193	11	light	light	NOUN
afbr-71	193	12	of	of	ADP
afbr-71	193	13	global	global	ADJ
afbr-71	193	14	financial	financial	ADJ
afbr-71	193	15	crisis	crisis	NOUN
afbr-71	193	16	:	:	PUNCT
afbr-71	193	17	a	a	DET
afbr-71	193	18	qualitative	qualitative	ADJ
afbr-71	193	19	study	study	NOUN
afbr-71	193	20	.	.	PUNCT
afbr-71	194	1	asian	asian	ADJ
afbr-71	194	2	transactions	transaction	NOUN
afbr-71	194	3	on	on	ADP
afbr-71	194	4	basic	basic	ADJ
afbr-71	194	5	and	and	CCONJ
afbr-71	194	6	applied	apply	VERB
afbr-71	194	7	sciences	science	NOUN
afbr-71	194	8	,	,	PUNCT
afbr-71	194	9	3	3	NUM
afbr-71	194	10	(	(	PUNCT
afbr-71	194	11	2	2	NUM
afbr-71	194	12	)	)	PUNCT
afbr-71	194	13	,	,	PUNCT
afbr-71	194	14	73	73	NUM
afbr-71	194	15	-	-	SYM
afbr-71	194	16	90	90	NUM
afbr-71	194	17	.	.	PUNCT
afbr-71	195	1	abdullah	abdullah	PROPN
afbr-71	195	2	,	,	PUNCT
afbr-71	195	3	a.	a.	PROPN
afbr-71	195	4	,	,	PUNCT
afbr-71	195	5	khan	khan	PROPN
afbr-71	195	6	,	,	PUNCT
afbr-71	195	7	a.	a.	NOUN
afbr-71	195	8	q.	q.	PROPN
afbr-71	195	9	,	,	PUNCT
afbr-71	195	10	&	&	CCONJ
afbr-71	195	11	nazir	nazir	PROPN
afbr-71	195	12	,	,	PUNCT
afbr-71	195	13	n.	n.	PROPN
afbr-71	195	14	(	(	PUNCT
afbr-71	195	15	2012	2012	NUM
afbr-71	195	16	)	)	PUNCT
afbr-71	195	17	.	.	PUNCT
afbr-71	196	1	a	a	DET
afbr-71	196	2	comparative	comparative	ADJ
afbr-71	196	3	study	study	NOUN
afbr-71	196	4	of	of	ADP
afbr-71	196	5	credit	credit	NOUN
afbr-71	196	6	risk	risk	NOUN
afbr-71	196	7	management	management	NOUN
afbr-71	196	8	:	:	PUNCT
afbr-71	196	9	a	a	DET
afbr-71	196	10	casestudy	casestudy	NOUN
afbr-71	196	11	of	of	ADP
afbr-71	196	12	domestic	domestic	ADJ
afbr-71	196	13	and	and	CCONJ
afbr-71	196	14	forign	forign	ADJ
afbr-71	196	15	bank	bank	PROPN
afbr-71	196	16	in	in	ADP
afbr-71	196	17	pakisthan	pakisthan	PROPN
afbr-71	196	18	.	.	PUNCT
afbr-71	197	1	academic	academic	ADJ
afbr-71	197	2	research	research	PROPN
afbr-71	197	3	international	international	PROPN
afbr-71	197	4	,	,	PUNCT
afbr-71	197	5	3	3	NUM
afbr-71	197	6	(	(	PUNCT
afbr-71	197	7	1	1	NUM
afbr-71	197	8	)	)	PUNCT
afbr-71	197	9	,	,	PUNCT
afbr-71	197	10	371	371	NUM
afbr-71	197	11	-	-	SYM
afbr-71	197	12	377	377	NUM
afbr-71	197	13	.	.	PUNCT
afbr-71	198	1	afriyie	afriyie	PROPN
afbr-71	198	2	,	,	PUNCT
afbr-71	198	3	h.	h.	PROPN
afbr-71	198	4	o.	o.	PROPN
afbr-71	198	5	,	,	PUNCT
afbr-71	198	6	&	&	CCONJ
afbr-71	198	7	akotey	akotey	PROPN
afbr-71	198	8	,	,	PUNCT
afbr-71	198	9	j.	j.	PROPN
afbr-71	198	10	o.	o.	PROPN
afbr-71	198	11	(	(	PUNCT
afbr-71	198	12	2012	2012	NUM
afbr-71	198	13	)	)	PUNCT
afbr-71	198	14	.	.	PUNCT
afbr-71	199	1	credit	credit	NOUN
afbr-71	199	2	risk	risk	NOUN
afbr-71	199	3	management	management	NOUN
afbr-71	199	4	and	and	CCONJ
afbr-71	199	5	profitability	profitability	NOUN
afbr-71	199	6	of	of	ADP
afbr-71	199	7	selected	select	VERB
afbr-71	199	8	rural	rural	ADJ
afbr-71	199	9	banks	bank	NOUN
afbr-71	199	10	in	in	ADP
afbr-71	199	11	ghana	ghana	PROPN
afbr-71	199	12	.	.	PUNCT
afbr-71	200	1	retrieved	retrieve	VERB
afbr-71	200	2	june	june	PROPN
afbr-71	200	3	17	17	NUM
afbr-71	200	4	,	,	PUNCT
afbr-71	200	5	2013	2013	NUM
afbr-71	200	6	,	,	PUNCT
afbr-71	200	7	from	from	ADP
afbr-71	200	8	http://www.econrsa.org/system/files/workshops/papers/2012	http://www.econrsa.org/system/files/workshops/papers/2012	NOUN
afbr-71	200	9	alam	alam	PROPN
afbr-71	200	10	,	,	PUNCT
afbr-71	200	11	m.	m.	PROPN
afbr-71	200	12	z.	z.	PROPN
afbr-71	200	13	,	,	PUNCT
afbr-71	200	14	&	&	CCONJ
afbr-71	200	15	masukujjaman	masukujjaman	ADJ
afbr-71	200	16	,	,	PUNCT
afbr-71	200	17	m.	m.	NOUN
afbr-71	200	18	(	(	PUNCT
afbr-71	200	19	2011	2011	NUM
afbr-71	200	20	)	)	PUNCT
afbr-71	200	21	.	.	PUNCT
afbr-71	201	1	risk	risk	NOUN
afbr-71	201	2	management	management	NOUN
afbr-71	201	3	practices	practice	NOUN
afbr-71	201	4	:	:	PUNCT
afbr-71	201	5	a	a	DET
afbr-71	201	6	critical	critical	ADJ
afbr-71	201	7	diagnosis	diagnosis	NOUN
afbr-71	201	8	of	of	ADP
afbr-71	201	9	some	some	DET
afbr-71	201	10	selected	select	VERB
afbr-71	201	11	commercial	commercial	ADJ
afbr-71	201	12	banks	bank	NOUN
afbr-71	201	13	in	in	ADP
afbr-71	201	14	bangladesh	bangladesh	PROPN
afbr-71	201	15	.	.	PUNCT
afbr-71	202	1	journal	journal	PROPN
afbr-71	202	2	of	of	ADP
afbr-71	202	3	business	business	NOUN
afbr-71	202	4	and	and	CCONJ
afbr-71	202	5	technology	technology	NOUN
afbr-71	202	6	(	(	PUNCT
afbr-71	202	7	dhaka	dhaka	PROPN
afbr-71	202	8	)	)	PUNCT
afbr-71	202	9	,	,	PUNCT
afbr-71	202	10	6	6	NUM
afbr-71	202	11	(	(	PUNCT
afbr-71	202	12	1	1	NUM
afbr-71	202	13	)	)	PUNCT
afbr-71	202	14	,	,	PUNCT
afbr-71	202	15	15	15	NUM
afbr-71	202	16	-	-	SYM
afbr-71	202	17	35	35	NUM
afbr-71	202	18	.	.	PUNCT
afbr-71	203	1	al	al	PROPN
afbr-71	203	2	-	-	PUNCT
afbr-71	203	3	tamini	tamini	PROPN
afbr-71	203	4	,	,	PUNCT
afbr-71	203	5	h.	h.	PROPN
afbr-71	203	6	a.	a.	PROPN
afbr-71	203	7	,	,	PUNCT
afbr-71	203	8	&	&	CCONJ
afbr-71	203	9	al	al	PROPN
afbr-71	203	10	-	-	PUNCT
afbr-71	203	11	mazrooei	mazrooei	PROPN
afbr-71	203	12	,	,	PUNCT
afbr-71	203	13	f.	f.	PROPN
afbr-71	203	14	m.	m.	PROPN
afbr-71	203	15	(	(	PUNCT
afbr-71	203	16	2007	2007	NUM
afbr-71	203	17	)	)	PUNCT
afbr-71	203	18	.	.	PUNCT
afbr-71	204	1	banks	bank	NOUN
afbr-71	204	2	'	'	PART
afbr-71	204	3	risk	risk	NOUN
afbr-71	204	4	management	management	NOUN
afbr-71	204	5	:	:	PUNCT
afbr-71	204	6	a	a	DET
afbr-71	204	7	comparison	comparison	NOUN
afbr-71	204	8	study	study	NOUN
afbr-71	204	9	of	of	ADP
afbr-71	204	10	uae	uae	PROPN
afbr-71	204	11	national	national	PROPN
afbr-71	204	12	comparative	comparative	ADJ
afbr-71	204	13	study	study	NOUN
afbr-71	204	14	on	on	ADP
afbr-71	204	15	credit	credit	NOUN
afbr-71	204	16	monitoring	monitoring	NOUN
afbr-71	204	17	practices	practice	NOUN
afbr-71	204	18	in	in	ADP
afbr-71	204	19	slected	slecte	VERB
afbr-71	204	20	banks	bank	NOUN
afbr-71	204	21	of	of	ADP
afbr-71	204	22	nepal	nepal	ADJ
afbr-71	204	23	fatta	fatta	PROPN
afbr-71	204	24	bahadur	bahadur	PROPN
afbr-71	204	25	k.c	k.c	PROPN
afbr-71	204	26	and	and	CCONJ
afbr-71	204	27	indra	indra	PROPN
afbr-71	204	28	kumar	kumar	PROPN
afbr-71	204	29	kattel	kattel	PROPN
afbr-71	204	30	23	23	NUM
afbr-71	204	31	and	and	CCONJ
afbr-71	204	32	foreign	foreign	ADJ
afbr-71	204	33	banks	bank	NOUN
afbr-71	204	34	.	.	PUNCT
afbr-71	205	1	journal	journal	NOUN
afbr-71	205	2	of	of	ADP
afbr-71	205	3	risk	risk	NOUN
afbr-71	205	4	finance	finance	NOUN
afbr-71	205	5	,	,	PUNCT
afbr-71	205	6	394	394	NUM
afbr-71	205	7	-	-	SYM
afbr-71	205	8	409	409	NUM
afbr-71	205	9	,	,	PUNCT
afbr-71	205	10	doi	doi	NOUN
afbr-71	205	11	:	:	PUNCT
afbr-71	205	12	10.1108/15265940710777333	10.1108/15265940710777333	NUM
afbr-71	205	13	.	.	PUNCT
afbr-71	206	1	aman	aman	PROPN
afbr-71	206	2	,	,	PUNCT
afbr-71	206	3	q.	q.	PROPN
afbr-71	206	4	,	,	PUNCT
afbr-71	206	5	&	&	CCONJ
afbr-71	206	6	zaman	zaman	PROPN
afbr-71	206	7	,	,	PUNCT
afbr-71	206	8	k.	k.	PROPN
afbr-71	206	9	(	(	PUNCT
afbr-71	206	10	2011	2011	NUM
afbr-71	206	11	)	)	PUNCT
afbr-71	206	12	.	.	PUNCT
afbr-71	207	1	credit	credit	NOUN
afbr-71	207	2	risk	risk	NOUN
afbr-71	207	3	performance	performance	NOUN
afbr-71	207	4	of	of	ADP
afbr-71	207	5	private	private	ADJ
afbr-71	207	6	,	,	PUNCT
afbr-71	207	7	state	state	NOUN
afbr-71	207	8	owned	own	VERB
afbr-71	207	9	and	and	CCONJ
afbr-71	207	10	foreign	foreign	ADJ
afbr-71	207	11	banks	bank	NOUN
afbr-71	207	12	on	on	ADP
afbr-71	207	13	the	the	DET
afbr-71	207	14	economy	economy	NOUN
afbr-71	207	15	of	of	ADP
afbr-71	207	16	pakistan	pakistan	PROPN
afbr-71	207	17	(	(	PUNCT
afbr-71	207	18	econometric	econometric	ADJ
afbr-71	207	19	approach	approach	NOUN
afbr-71	207	20	)	)	PUNCT
afbr-71	207	21	.	.	PUNCT
afbr-71	208	1	international	international	ADJ
afbr-71	208	2	research	research	PROPN
afbr-71	208	3	journal	journal	NOUN
afbr-71	208	4	of	of	ADP
afbr-71	208	5	finance	finance	NOUN
afbr-71	208	6	and	and	CCONJ
afbr-71	208	7	economics	economic	NOUN
afbr-71	208	8	(	(	PUNCT
afbr-71	208	9	57	57	NUM
afbr-71	208	10	)	)	PUNCT
afbr-71	208	11	,	,	PUNCT
afbr-71	208	12	47	47	NUM
afbr-71	208	13	-	-	SYM
afbr-71	208	14	58	58	NUM
afbr-71	208	15	.	.	PUNCT
afbr-71	209	1	ariffin	ariffin	PROPN
afbr-71	209	2	,	,	PUNCT
afbr-71	209	3	n.	n.	NOUN
afbr-71	209	4	m.	m.	NOUN
afbr-71	209	5	,	,	PUNCT
afbr-71	209	6	&	&	CCONJ
afbr-71	209	7	kassim	kassim	PROPN
afbr-71	209	8	,	,	PUNCT
afbr-71	209	9	s.	s.	PROPN
afbr-71	209	10	(	(	PUNCT
afbr-71	209	11	2011	2011	NUM
afbr-71	209	12	)	)	PUNCT
afbr-71	209	13	.	.	PUNCT
afbr-71	210	1	risk	risk	NOUN
afbr-71	210	2	management	management	NOUN
afbr-71	210	3	practices	practice	NOUN
afbr-71	210	4	and	and	CCONJ
afbr-71	210	5	financial	financial	ADJ
afbr-71	210	6	performance	performance	NOUN
afbr-71	210	7	of	of	ADP
afbr-71	210	8	islamic	islamic	ADJ
afbr-71	210	9	banks	bank	NOUN
afbr-71	210	10	:	:	PUNCT
afbr-71	210	11	malaysian	malaysian	ADJ
afbr-71	210	12	evidence	evidence	NOUN
afbr-71	210	13	.	.	PUNCT
afbr-71	211	1	8th	8th	ADJ
afbr-71	211	2	international	international	ADJ
afbr-71	211	3	conference	conference	NOUN
afbr-71	211	4	on	on	ADP
afbr-71	211	5	islamic	islamic	ADJ
afbr-71	211	6	economics	economic	NOUN
afbr-71	211	7	and	and	CCONJ
afbr-71	211	8	finance	finance	NOUN
afbr-71	211	9	(	(	PUNCT
afbr-71	211	10	pp	pp	ADJ
afbr-71	211	11	.	.	PUNCT
afbr-71	212	1	1	1	NUM
afbr-71	212	2	-	-	SYM
afbr-71	212	3	23	23	NUM
afbr-71	212	4	)	)	PUNCT
afbr-71	212	5	.	.	PUNCT
afbr-71	213	1	http://conference.qfis.edu.qa/app/media/271	http://conference.qfis.edu.qa/app/media/271	PROPN
afbr-71	213	2	.	.	PUNCT
afbr-71	214	1	arora	arora	PROPN
afbr-71	214	2	,	,	PUNCT
afbr-71	214	3	a.	a.	PROPN
afbr-71	214	4	,	,	PUNCT
afbr-71	214	5	&	&	CCONJ
afbr-71	214	6	kumar	kumar	PROPN
afbr-71	214	7	,	,	PUNCT
afbr-71	214	8	m.	m.	NOUN
afbr-71	214	9	(	(	PUNCT
afbr-71	214	10	2014	2014	NUM
afbr-71	214	11	)	)	PUNCT
afbr-71	214	12	.	.	PUNCT
afbr-71	215	1	evaluating	evaluate	VERB
afbr-71	215	2	the	the	DET
afbr-71	215	3	credit	credit	NOUN
afbr-71	215	4	risk	risk	NOUN
afbr-71	215	5	management	management	NOUN
afbr-71	215	6	framework	framework	NOUN
afbr-71	215	7	of	of	ADP
afbr-71	215	8	public	public	ADJ
afbr-71	215	9	and	and	CCONJ
afbr-71	215	10	private	private	ADJ
afbr-71	215	11	sector	sector	NOUN
afbr-71	215	12	banks	bank	NOUN
afbr-71	215	13	in	in	ADP
afbr-71	215	14	india	india	PROPN
afbr-71	215	15	:	:	PUNCT
afbr-71	215	16	a	a	DET
afbr-71	215	17	comparative	comparative	ADJ
afbr-71	215	18	study	study	NOUN
afbr-71	215	19	.	.	PUNCT
afbr-71	216	1	the	the	DET
afbr-71	216	2	iup	iup	PROPN
afbr-71	216	3	journal	journal	PROPN
afbr-71	216	4	of	of	ADP
afbr-71	216	5	bank	bank	PROPN
afbr-71	216	6	management	management	NOUN
afbr-71	216	7	,	,	PUNCT
afbr-71	216	8	13	13	NUM
afbr-71	216	9	(	(	PUNCT
afbr-71	216	10	3	3	NUM
afbr-71	216	11	)	)	PUNCT
afbr-71	216	12	,	,	PUNCT
afbr-71	216	13	57	57	NUM
afbr-71	216	14	-	-	SYM
afbr-71	216	15	78	78	NUM
afbr-71	216	16	.	.	PUNCT
afbr-71	216	17	aver	aver	PROPN
afbr-71	216	18	,	,	PUNCT
afbr-71	216	19	b.	b.	PROPN
afbr-71	216	20	(	(	PUNCT
afbr-71	216	21	2008	2008	NUM
afbr-71	216	22	)	)	PUNCT
afbr-71	216	23	.	.	PUNCT
afbr-71	217	1	an	an	DET
afbr-71	217	2	empirical	empirical	ADJ
afbr-71	217	3	analysis	analysis	NOUN
afbr-71	217	4	of	of	ADP
afbr-71	217	5	credit	credit	NOUN
afbr-71	217	6	risk	risk	NOUN
afbr-71	217	7	factors	factor	NOUN
afbr-71	217	8	of	of	ADP
afbr-71	217	9	the	the	DET
afbr-71	217	10	slovenian	slovenian	ADJ
afbr-71	217	11	banking	banking	NOUN
afbr-71	217	12	system	system	NOUN
afbr-71	217	13	.	.	PUNCT
afbr-71	218	1	managing	manage	VERB
afbr-71	218	2	global	global	ADJ
afbr-71	218	3	transitions	transition	NOUN
afbr-71	218	4	,	,	PUNCT
afbr-71	218	5	6	6	NUM
afbr-71	218	6	(	(	PUNCT
afbr-71	218	7	3	3	NUM
afbr-71	218	8	)	)	PUNCT
afbr-71	218	9	,	,	PUNCT
afbr-71	218	10	31	31	NUM
afbr-71	218	11	-	-	SYM
afbr-71	218	12	334	334	NUM
afbr-71	218	13	.	.	PUNCT
afbr-71	219	1	bagchi	bagchi	PROPN
afbr-71	219	2	,	,	PUNCT
afbr-71	219	3	s.	s.	PROPN
afbr-71	219	4	k.	k.	PROPN
afbr-71	219	5	(	(	PUNCT
afbr-71	219	6	2003	2003	NUM
afbr-71	219	7	)	)	PUNCT
afbr-71	219	8	.	.	PUNCT
afbr-71	220	1	credit	credit	NOUN
afbr-71	220	2	risk	risk	NOUN
afbr-71	220	3	management	management	NOUN
afbr-71	220	4	–	–	PUNCT
afbr-71	220	5	a	a	DET
afbr-71	220	6	panacea	panacea	NOUN
afbr-71	220	7	or	or	CCONJ
afbr-71	220	8	conundrum	conundrum	NOUN
afbr-71	220	9	?	?	PUNCT
afbr-71	221	1	sbi	sbi	PROPN
afbr-71	221	2	monthly	monthly	ADJ
afbr-71	221	3	review	review	NOUN
afbr-71	221	4	,	,	PUNCT
afbr-71	221	5	42	42	NUM
afbr-71	221	6	(	(	PUNCT
afbr-71	221	7	10	10	NUM
afbr-71	221	8	)	)	PUNCT
afbr-71	221	9	,	,	PUNCT
afbr-71	221	10	497	497	NUM
afbr-71	221	11	-	-	SYM
afbr-71	221	12	504	504	NUM
afbr-71	221	13	.	.	PUNCT
afbr-71	222	1	basel	basel	PROPN
afbr-71	222	2	.	.	PUNCT
afbr-71	223	1	(	(	PUNCT
afbr-71	223	2	2000	2000	NUM
afbr-71	223	3	)	)	PUNCT
afbr-71	223	4	.	.	PUNCT
afbr-71	224	1	principles	principle	NOUN
afbr-71	224	2	for	for	ADP
afbr-71	224	3	the	the	DET
afbr-71	224	4	management	management	NOUN
afbr-71	224	5	of	of	ADP
afbr-71	224	6	credit	credit	NOUN
afbr-71	224	7	risk	risk	NOUN
afbr-71	224	8	.	.	PUNCT
afbr-71	225	1	basel	basel	PROPN
afbr-71	225	2	committee	committee	PROPN
afbr-71	225	3	on	on	ADP
afbr-71	225	4	banking	banking	NOUN
afbr-71	225	5	supervision	supervision	NOUN
afbr-71	225	6	.	.	PUNCT
afbr-71	226	1	bidani	bidani	PROPN
afbr-71	226	2	,	,	PUNCT
afbr-71	226	3	s.	s.	PROPN
afbr-71	226	4	n.	n.	PROPN
afbr-71	226	5	(	(	PUNCT
afbr-71	226	6	2010	2010	NUM
afbr-71	226	7	)	)	PUNCT
afbr-71	226	8	.	.	PUNCT
afbr-71	227	1	banking	banking	NOUN
afbr-71	227	2	risk	risk	NOUN
afbr-71	227	3	:	:	PUNCT
afbr-71	227	4	management	management	NOUN
afbr-71	227	5	and	and	CCONJ
afbr-71	227	6	audit	audit	NOUN
afbr-71	227	7	.	.	PUNCT
afbr-71	228	1	new	new	ADJ
afbr-71	228	2	delhi	delhi	PROPN
afbr-71	228	3	:	:	PUNCT
afbr-71	228	4	vision	vision	NOUN
afbr-71	228	5	books	book	NOUN
afbr-71	228	6	pvt.ltd	pvt.ltd	PROPN
afbr-71	228	7	.	.	PUNCT
afbr-71	229	1	bilal	bilal	PROPN
afbr-71	229	2	,	,	PUNCT
afbr-71	229	3	a.	a.	PROPN
afbr-71	229	4	r.	r.	PROPN
afbr-71	229	5	,	,	PUNCT
afbr-71	229	6	talib	talib	PROPN
afbr-71	229	7	,	,	PUNCT
afbr-71	229	8	n.	n.	NOUN
afbr-71	229	9	,	,	PUNCT
afbr-71	229	10	&	&	CCONJ
afbr-71	229	11	khan	khan	PROPN
afbr-71	229	12	,	,	PUNCT
afbr-71	229	13	m.	m.	NOUN
afbr-71	229	14	n.	n.	PROPN
afbr-71	229	15	(	(	PUNCT
afbr-71	229	16	2013	2013	NUM
afbr-71	229	17	)	)	PUNCT
afbr-71	229	18	.	.	PUNCT
afbr-71	230	1	remodeling	remodeling	NOUN
afbr-71	230	2	of	of	ADP
afbr-71	230	3	risk	risk	NOUN
afbr-71	230	4	management	management	NOUN
afbr-71	230	5	in	in	ADP
afbr-71	230	6	banking	banking	NOUN
afbr-71	230	7	:	:	PUNCT
afbr-71	230	8	evidence	evidence	NOUN
afbr-71	230	9	from	from	ADP
afbr-71	230	10	the	the	DET
afbr-71	230	11	sub	sub	NOUN
afbr-71	230	12	-	-	NOUN
afbr-71	230	13	continent	continent	NOUN
afbr-71	230	14	and	and	CCONJ
afbr-71	230	15	gulf	gulf	PROPN
afbr-71	230	16	.	.	PUNCT
afbr-71	231	1	journal	journal	PROPN
afbr-71	231	2	of	of	ADP
afbr-71	231	3	risk	risk	NOUN
afbr-71	231	4	finance	finance	NOUN
afbr-71	231	5	,	,	PUNCT
afbr-71	231	6	14	14	NUM
afbr-71	231	7	(	(	PUNCT
afbr-71	231	8	5	5	NUM
afbr-71	231	9	)	)	PUNCT
afbr-71	231	10	,	,	PUNCT
afbr-71	231	11	468	468	NUM
afbr-71	231	12	-	-	SYM
afbr-71	231	13	489	489	NUM
afbr-71	231	14	,	,	PUNCT
afbr-71	231	15	doi	doi	NOUN
afbr-71	231	16	:	:	PUNCT
afbr-71	231	17	10.1108	10.1108	NUM
afbr-71	231	18	/	/	SYM
afbr-71	231	19	jrf-2012	jrf-2012	NOUN
afbr-71	231	20	-	-	PUNCT
afbr-71	231	21	0074	0074	NUM
afbr-71	231	22	.	.	PUNCT
afbr-71	232	1	bodla	bodla	PROPN
afbr-71	232	2	,	,	PUNCT
afbr-71	232	3	b.	b.	PROPN
afbr-71	232	4	s.	s.	PROPN
afbr-71	232	5	,	,	PUNCT
afbr-71	232	6	&	&	CCONJ
afbr-71	232	7	verma	verma	PROPN
afbr-71	232	8	,	,	PUNCT
afbr-71	232	9	r.	r.	PROPN
afbr-71	232	10	(	(	PUNCT
afbr-71	232	11	2009	2009	NUM
afbr-71	232	12	)	)	PUNCT
afbr-71	232	13	.	.	PUNCT
afbr-71	233	1	credit	credit	NOUN
afbr-71	233	2	risk	risk	NOUN
afbr-71	233	3	management	management	NOUN
afbr-71	233	4	framework	framework	NOUN
afbr-71	233	5	at	at	ADP
afbr-71	233	6	banks	bank	NOUN
afbr-71	233	7	in	in	ADP
afbr-71	233	8	india	india	PROPN
afbr-71	233	9	.	.	PUNCT
afbr-71	234	1	the	the	DET
afbr-71	234	2	icfai	icfai	NUM
afbr-71	234	3	university	university	NOUN
afbr-71	234	4	journal	journal	NOUN
afbr-71	234	5	of	of	ADP
afbr-71	234	6	bank	bank	PROPN
afbr-71	234	7	management	management	NOUN
afbr-71	234	8	,	,	PUNCT
afbr-71	234	9	8	8	NUM
afbr-71	234	10	(	(	PUNCT
afbr-71	234	11	1	1	NUM
afbr-71	234	12	)	)	PUNCT
afbr-71	234	13	,	,	PUNCT
afbr-71	234	14	47	47	NUM
afbr-71	234	15	-	-	SYM
afbr-71	234	16	74	74	NUM
afbr-71	234	17	.	.	PUNCT
afbr-71	235	1	breuer	breuer	PROPN
afbr-71	235	2	,	,	PUNCT
afbr-71	235	3	t.	t.	PROPN
afbr-71	235	4	,	,	PUNCT
afbr-71	235	5	jandacka	jandacka	PROPN
afbr-71	235	6	,	,	PUNCT
afbr-71	235	7	m.	m.	NOUN
afbr-71	235	8	,	,	PUNCT
afbr-71	235	9	rheinberger	rheinberger	NOUN
afbr-71	235	10	,	,	PUNCT
afbr-71	235	11	k.	k.	PROPN
afbr-71	235	12	,	,	PUNCT
afbr-71	235	13	&	&	CCONJ
afbr-71	235	14	summer	summer	NOUN
afbr-71	235	15	,	,	PUNCT
afbr-71	235	16	m.	m.	NOUN
afbr-71	235	17	(	(	PUNCT
afbr-71	235	18	2010	2010	NUM
afbr-71	235	19	)	)	PUNCT
afbr-71	235	20	.	.	PUNCT
afbr-71	236	1	does	do	AUX
afbr-71	236	2	adding	add	VERB
afbr-71	236	3	up	up	ADP
afbr-71	236	4	of	of	ADP
afbr-71	236	5	economic	economic	ADJ
afbr-71	236	6	capital	capital	NOUN
afbr-71	236	7	for	for	ADP
afbr-71	236	8	market	market	NOUN
afbr-71	236	9	-	-	PUNCT
afbr-71	236	10	and	and	CCONJ
afbr-71	236	11	credit	credit	NOUN
afbr-71	236	12	risk	risk	NOUN
afbr-71	236	13	amount	amount	NOUN
afbr-71	236	14	to	to	ADP
afbr-71	236	15	conservative	conservative	ADJ
afbr-71	236	16	risk	risk	NOUN
afbr-71	236	17	assessment	assessment	NOUN
afbr-71	236	18	.	.	PUNCT
afbr-71	237	1	journal	journal	NOUN
afbr-71	237	2	of	of	ADP
afbr-71	237	3	banking	banking	NOUN
afbr-71	237	4	&	&	CCONJ
afbr-71	237	5	finance	finance	PROPN
afbr-71	237	6	,	,	PUNCT
afbr-71	237	7	34	34	NUM
afbr-71	237	8	(	(	PUNCT
afbr-71	237	9	4	4	NUM
afbr-71	237	10	)	)	PUNCT
afbr-71	237	11	,	,	PUNCT
afbr-71	237	12	703	703	NUM
afbr-71	237	13	-	-	SYM
afbr-71	237	14	712	712	NUM
afbr-71	237	15	.	.	PUNCT
afbr-71	238	1	das	das	PROPN
afbr-71	238	2	,	,	PUNCT
afbr-71	238	3	s.	s.	PROPN
afbr-71	238	4	,	,	PUNCT
afbr-71	238	5	&	&	CCONJ
afbr-71	238	6	das	das	PROPN
afbr-71	238	7	,	,	PUNCT
afbr-71	238	8	s.	s.	PROPN
afbr-71	238	9	(	(	PUNCT
afbr-71	238	10	2007	2007	NUM
afbr-71	238	11	,	,	PUNCT
afbr-71	238	12	julydecember	julydecember	PROPN
afbr-71	238	13	)	)	PUNCT
afbr-71	238	14	.	.	PUNCT
afbr-71	239	1	credit	credit	NOUN
afbr-71	239	2	risk	risk	NOUN
afbr-71	239	3	management	management	NOUN
afbr-71	239	4	practice	practice	NOUN
afbr-71	239	5	an	an	DET
afbr-71	239	6	evaluation	evaluation	NOUN
afbr-71	239	7	of	of	ADP
afbr-71	239	8	commercial	commercial	ADJ
afbr-71	239	9	banks	bank	NOUN
afbr-71	239	10	in	in	ADP
afbr-71	239	11	bangladesh	bangladesh	PROPN
afbr-71	239	12	.	.	PUNCT
afbr-71	240	1	asa	asa	PROPN
afbr-71	240	2	university	university	PROPN
afbr-71	240	3	review	review	NOUN
afbr-71	240	4	,	,	PUNCT
afbr-71	240	5	available	available	ADJ
afbr-71	240	6	at	at	ADP
afbr-71	240	7	ssrn	ssrn	NOUN
afbr-71	240	8	:	:	PUNCT
afbr-71	240	9	http://ssrn.com	http://ssrn.com	X
afbr-71	240	10	/	/	SYM
afbr-71	240	11	abstract=1849144	abstract=1849144	PROPN
afbr-71	240	12	.	.	PUNCT
afbr-71	241	1	diwan	diwan	PROPN
afbr-71	241	2	,	,	PUNCT
afbr-71	241	3	i.	i.	PROPN
afbr-71	241	4	,	,	PUNCT
afbr-71	241	5	&	&	CCONJ
afbr-71	241	6	rodick	rodick	PROPN
afbr-71	241	7	,	,	PUNCT
afbr-71	241	8	d.	d.	PROPN
afbr-71	241	9	(	(	PUNCT
afbr-71	241	10	1992	1992	NUM
afbr-71	241	11	)	)	PUNCT
afbr-71	241	12	.	.	PUNCT
afbr-71	242	1	debt	debt	NOUN
afbr-71	242	2	reduction	reduction	NOUN
afbr-71	242	3	,	,	PUNCT
afbr-71	242	4	adjustment	adjustment	NOUN
afbr-71	242	5	lending	lending	NOUN
afbr-71	242	6	,	,	PUNCT
afbr-71	242	7	and	and	CCONJ
afbr-71	242	8	burden	burden	NOUN
afbr-71	242	9	sharing	sharing	NOUN
afbr-71	242	10	.	.	PUNCT
afbr-71	243	1	nber	nber	PROPN
afbr-71	243	2	working	working	PROPN
afbr-71	243	3	paper	paper	PROPN
afbr-71	243	4	no	no	INTJ
afbr-71	243	5	.	.	PROPN
afbr-71	244	1	4007	4007	NUM
afbr-71	244	2	(	(	PUNCT
afbr-71	244	3	cambridge	cambridge	PROPN
afbr-71	244	4	ma	ma	PROPN
afbr-71	244	5	,	,	PUNCT
afbr-71	244	6	march	march	PROPN
afbr-71	244	7	)	)	PUNCT
afbr-71	244	8	.	.	PUNCT
afbr-71	245	1	duffie	duffie	PROPN
afbr-71	245	2	,	,	PUNCT
afbr-71	245	3	d.	d.	PROPN
afbr-71	245	4	,	,	PUNCT
afbr-71	245	5	&	&	CCONJ
afbr-71	245	6	singleton	singleton	PROPN
afbr-71	245	7	,	,	PUNCT
afbr-71	245	8	k.	k.	PROPN
afbr-71	245	9	j.	j.	PROPN
afbr-71	245	10	(	(	PUNCT
afbr-71	245	11	2003	2003	NUM
afbr-71	245	12	)	)	PUNCT
afbr-71	245	13	.	.	PUNCT
afbr-71	246	1	credit	credit	NOUN
afbr-71	246	2	risk	risk	NOUN
afbr-71	246	3	:	:	PUNCT
afbr-71	247	1	pricing	pricing	NOUN
afbr-71	247	2	,	,	PUNCT
afbr-71	247	3	measurement	measurement	NOUN
afbr-71	247	4	and	and	CCONJ
afbr-71	247	5	management	management	NOUN
afbr-71	247	6	.	.	PUNCT
afbr-71	248	1	newjersey	newjersey	NOUN
afbr-71	248	2	:	:	PUNCT
afbr-71	248	3	oxford	oxford	PROPN
afbr-71	248	4	:	:	PUNCT
afbr-71	248	5	princeton	princeton	PROPN
afbr-71	248	6	university	university	PROPN
afbr-71	248	7	press	press	NOUN
afbr-71	248	8	.	.	PUNCT
afbr-71	249	1	enkhbold	enkhbold	ADJ
afbr-71	249	2	,	,	PUNCT
afbr-71	249	3	e.	e.	PROPN
afbr-71	249	4	,	,	PUNCT
afbr-71	249	5	&	&	CCONJ
afbr-71	249	6	otgonshar	otgonshar	PROPN
afbr-71	249	7	,	,	PUNCT
afbr-71	249	8	b.	b.	PROPN
afbr-71	249	9	(	(	PUNCT
afbr-71	249	10	2013	2013	NUM
afbr-71	249	11	)	)	PUNCT
afbr-71	249	12	.	.	PUNCT
afbr-71	250	1	the	the	DET
afbr-71	250	2	effect	effect	NOUN
afbr-71	250	3	of	of	ADP
afbr-71	250	4	deposit	deposit	NOUN
afbr-71	250	5	insurance	insurance	NOUN
afbr-71	250	6	on	on	ADP
afbr-71	250	7	risk	risk	NOUN
afbr-71	250	8	taking	take	VERB
afbr-71	250	9	in	in	ADP
afbr-71	250	10	asian	asian	ADJ
afbr-71	250	11	banks	bank	NOUN
afbr-71	250	12	.	.	PUNCT
afbr-71	251	1	asian	asian	ADJ
afbr-71	251	2	journal	journal	PROPN
afbr-71	251	3	of	of	ADP
afbr-71	251	4	finance	finance	PROPN
afbr-71	251	5	&	&	CCONJ
afbr-71	251	6	accounting	accounting	PROPN
afbr-71	251	7	,	,	PUNCT
afbr-71	251	8	5	5	NUM
afbr-71	251	9	(	(	PUNCT
afbr-71	251	10	1	1	NUM
afbr-71	251	11	)	)	PUNCT
afbr-71	251	12	,	,	PUNCT
afbr-71	251	13	104	104	NUM
afbr-71	251	14	-	-	SYM
afbr-71	251	15	126	126	NUM
afbr-71	251	16	.	.	PUNCT
afbr-71	252	1	gray	gray	ADJ
afbr-71	252	2	,	,	PUNCT
afbr-71	252	3	c.	c.	PROPN
afbr-71	252	4	f.	f.	PROPN
afbr-71	252	5	,	,	PUNCT
afbr-71	252	6	&	&	CCONJ
afbr-71	252	7	larson	larson	PROPN
afbr-71	252	8	,	,	PUNCT
afbr-71	252	9	e.	e.	PROPN
afbr-71	252	10	w.	w.	PROPN
afbr-71	252	11	(	(	PUNCT
afbr-71	252	12	2008	2008	NUM
afbr-71	252	13	)	)	PUNCT
afbr-71	252	14	.	.	PUNCT
afbr-71	253	1	project	project	NOUN
afbr-71	253	2	management	management	NOUN
afbr-71	253	3	:	:	PUNCT
afbr-71	253	4	the	the	DET
afbr-71	253	5	managerial	managerial	ADJ
afbr-71	253	6	process	process	NOUN
afbr-71	253	7	(	(	PUNCT
afbr-71	253	8	3rd	3rd	ADJ
afbr-71	253	9	ed	ed	NOUN
afbr-71	253	10	.	.	PUNCT
afbr-71	253	11	)	)	PUNCT
afbr-71	253	12	.	.	PUNCT
afbr-71	254	1	new	new	ADJ
afbr-71	254	2	delhi	delhi	PROPN
afbr-71	254	3	:	:	PUNCT
afbr-71	254	4	tata	tata	PROPN
afbr-71	254	5	macgraw	macgraw	PROPN
afbr-71	254	6	-	-	PUNCT
afbr-71	254	7	hill	hill	NOUN
afbr-71	254	8	.	.	PUNCT
afbr-71	255	1	greuning	greuning	NOUN
afbr-71	255	2	,	,	PUNCT
afbr-71	255	3	h.	h.	PROPN
afbr-71	255	4	v.	v.	PROPN
afbr-71	255	5	,	,	PUNCT
afbr-71	255	6	&	&	CCONJ
afbr-71	255	7	bratanovic	bratanovic	PROPN
afbr-71	255	8	,	,	PUNCT
afbr-71	255	9	s.	s.	PROPN
afbr-71	255	10	b.	b.	PROPN
afbr-71	255	11	(	(	PUNCT
afbr-71	255	12	2003	2003	NUM
afbr-71	255	13	)	)	PUNCT
afbr-71	255	14	.	.	PUNCT
afbr-71	256	1	analyzing	analyze	VERB
afbr-71	256	2	and	and	CCONJ
afbr-71	256	3	managing	manage	VERB
afbr-71	256	4	banking	banking	NOUN
afbr-71	256	5	risk	risk	NOUN
afbr-71	256	6	:	:	PUNCT
afbr-71	256	7	a	a	DET
afbr-71	256	8	framework	framework	NOUN
afbr-71	256	9	for	for	ADP
afbr-71	256	10	assessing	assess	VERB
afbr-71	256	11	corporate	corporate	ADJ
afbr-71	256	12	governance	governance	NOUN
afbr-71	256	13	and	and	CCONJ
afbr-71	256	14	financial	financial	ADJ
afbr-71	256	15	risk	risk	NOUN
afbr-71	256	16	.	.	PUNCT
afbr-71	257	1	(	(	PUNCT
afbr-71	257	2	2	2	X
afbr-71	257	3	.	.	X
afbr-71	257	4	edition	edition	NOUN
afbr-71	257	5	,	,	PUNCT
afbr-71	257	6	ed	ed	NOUN
afbr-71	257	7	.	.	PUNCT
afbr-71	257	8	)	)	PUNCT
afbr-71	258	1	washington	washington	PROPN
afbr-71	258	2	dc	dc	PROPN
afbr-71	258	3	,	,	PUNCT
afbr-71	258	4	world	world	PROPN
afbr-71	258	5	bank	bank	PROPN
afbr-71	258	6	publications	publication	NOUN
afbr-71	258	7	.	.	PUNCT
afbr-71	259	1	hassan	hassan	PROPN
afbr-71	259	2	,	,	PUNCT
afbr-71	259	3	w.	w.	PROPN
afbr-71	259	4	m.	m.	PROPN
afbr-71	259	5	(	(	PUNCT
afbr-71	259	6	2011	2011	NUM
afbr-71	259	7	)	)	PUNCT
afbr-71	259	8	.	.	PUNCT
afbr-71	260	1	risk	risk	NOUN
afbr-71	260	2	management	management	NOUN
afbr-71	260	3	practices	practice	NOUN
afbr-71	260	4	:	:	PUNCT
afbr-71	260	5	acomparative	acomparative	ADJ
afbr-71	260	6	analysis	analysis	NOUN
afbr-71	260	7	between	between	ADP
afbr-71	260	8	islamic	islamic	ADJ
afbr-71	260	9	and	and	CCONJ
afbr-71	260	10	conventional	conventional	ADJ
afbr-71	260	11	banks	bank	NOUN
afbr-71	260	12	in	in	ADP
afbr-71	260	13	the	the	DET
afbr-71	260	14	middle	middle	PROPN
afbr-71	260	15	east	east	PROPN
afbr-71	260	16	.	.	PUNCT
afbr-71	261	1	international	international	ADJ
afbr-71	261	2	journal	journal	PROPN
afbr-71	261	3	of	of	ADP
afbr-71	261	4	academic	academic	ADJ
afbr-71	261	5	research	research	NOUN
afbr-71	261	6	,	,	PUNCT
afbr-71	261	7	p	p	NOUN
afbr-71	261	8	288	288	NUM
afbr-71	261	9	-	-	SYM
afbr-71	261	10	295	295	NUM
afbr-71	261	11	.	.	PUNCT
afbr-71	262	1	hou	hou	NOUN
afbr-71	262	2	,	,	PUNCT
afbr-71	262	3	y.	y.	PROPN
afbr-71	262	4	(	(	PUNCT
afbr-71	262	5	2007	2007	NUM
afbr-71	262	6	)	)	PUNCT
afbr-71	262	7	.	.	PUNCT
afbr-71	263	1	the	the	DET
afbr-71	263	2	non	non	ADJ
afbr-71	263	3	-	-	ADJ
afbr-71	263	4	performing	performing	ADJ
afbr-71	263	5	loans	loan	NOUN
afbr-71	263	6	:	:	PUNCT
afbr-71	263	7	some	some	DET
afbr-71	263	8	bank_level	bank_level	NOUN
afbr-71	263	9	experiances	experiance	NOUN
afbr-71	263	10	.	.	PUNCT
afbr-71	264	1	4th	4th	ADJ
afbr-71	264	2	afe	afe	NOUN
afbr-71	264	3	-	-	PUNCT
afbr-71	264	4	qass	qass	NOUN
afbr-71	264	5	conference	conference	NOUN
afbr-71	264	6	,	,	PUNCT
afbr-71	264	7	ineag	ineag	NOUN
afbr-71	264	8	.	.	PROPN
afbr-71	264	9	imbierowicz	imbierowicz	PROPN
afbr-71	264	10	,	,	PUNCT
afbr-71	264	11	b.	b.	PROPN
afbr-71	264	12	,	,	PUNCT
afbr-71	264	13	&	&	CCONJ
afbr-71	264	14	rauch	rauch	PROPN
afbr-71	264	15	,	,	PUNCT
afbr-71	264	16	c.	c.	PROPN
afbr-71	264	17	(	(	PUNCT
afbr-71	264	18	2014).the	2014).the	DET
afbr-71	264	19	relationship	relationship	NOUN
afbr-71	264	20	between	between	ADP
afbr-71	264	21	liquidity	liquidity	NOUN
afbr-71	264	22	risk	risk	NOUN
afbr-71	264	23	and	and	CCONJ
afbr-71	264	24	credit	credit	NOUN
afbr-71	264	25	risk	risk	NOUN
afbr-71	264	26	in	in	ADP
afbr-71	264	27	banks	bank	NOUN
afbr-71	264	28	.	.	PUNCT
afbr-71	265	1	journal	journal	NOUN
afbr-71	265	2	of	of	ADP
afbr-71	265	3	banking	banking	NOUN
afbr-71	265	4	and	and	CCONJ
afbr-71	265	5	finance	finance	NOUN
afbr-71	265	6	,	,	PUNCT
afbr-71	265	7	40	40	NUM
afbr-71	265	8	(	(	PUNCT
afbr-71	265	9	1	1	NUM
afbr-71	265	10	)	)	PUNCT
afbr-71	265	11	,	,	PUNCT
afbr-71	265	12	p.242	p.242	NOUN
afbr-71	265	13	-	-	SYM
afbr-71	265	14	256	256	NUM
afbr-71	265	15	,	,	PUNCT
afbr-71	265	16	doi.org/10.2139/ssrn.1884917	doi.org/10.2139/ssrn.1884917	NOUN
afbr-71	265	17	.	.	PUNCT
afbr-71	266	1	jorion	jorion	NOUN
afbr-71	266	2	,	,	PUNCT
afbr-71	266	3	p.	p.	NOUN
afbr-71	266	4	(	(	PUNCT
afbr-71	266	5	2009	2009	NUM
afbr-71	266	6	)	)	PUNCT
afbr-71	266	7	.	.	PUNCT
afbr-71	267	1	risk	risk	NOUN
afbr-71	267	2	management	management	NOUN
afbr-71	267	3	lessons	lesson	NOUN
afbr-71	267	4	from	from	ADP
afbr-71	267	5	the	the	DET
afbr-71	267	6	credit	credit	NOUN
afbr-71	267	7	crisis	crisis	NOUN
afbr-71	267	8	.	.	PUNCT
afbr-71	268	1	european	european	ADJ
afbr-71	268	2	financial	financial	ADJ
afbr-71	268	3	management	management	NOUN
afbr-71	268	4	,	,	PUNCT
afbr-71	268	5	15	15	NUM
afbr-71	268	6	,	,	PUNCT
afbr-71	268	7	923	923	NUM
afbr-71	268	8	-	-	SYM
afbr-71	268	9	933	933	NUM
afbr-71	268	10	,	,	PUNCT
afbr-71	268	11	doi	doi	NOUN
afbr-71	268	12	:	:	PUNCT
afbr-71	268	13	10.1111	10.1111	NUM
afbr-71	268	14	/	/	SYM
afbr-71	268	15	j.1468	j.1468	NOUN
afbr-71	268	16	-	-	PUNCT
afbr-71	268	17	036x.2009.00507.x	036x.2009.00507.x	NOUN
afbr-71	268	18	.	.	PUNCT
afbr-71	269	1	comparative	comparative	ADJ
afbr-71	269	2	study	study	NOUN
afbr-71	269	3	on	on	ADP
afbr-71	269	4	credit	credit	NOUN
afbr-71	269	5	monitoring	monitoring	NOUN
afbr-71	269	6	practices	practice	NOUN
afbr-71	269	7	in	in	ADP
afbr-71	269	8	slected	slecte	VERB
afbr-71	269	9	banks	bank	NOUN
afbr-71	269	10	of	of	ADP
afbr-71	269	11	nepal	nepal	ADJ
afbr-71	269	12	fatta	fatta	PROPN
afbr-71	269	13	bahadur	bahadur	PROPN
afbr-71	269	14	k.c	k.c	PROPN
afbr-71	269	15	and	and	CCONJ
afbr-71	269	16	indra	indra	PROPN
afbr-71	269	17	kumar	kumar	PROPN
afbr-71	269	18	kattel	kattel	PROPN
afbr-71	269	19	24	24	NUM
afbr-71	269	20	joseph	joseph	PROPN
afbr-71	269	21	,	,	PUNCT
afbr-71	269	22	c.	c.	PROPN
afbr-71	269	23	(	(	PUNCT
afbr-71	269	24	2014	2014	NUM
afbr-71	269	25	)	)	PUNCT
afbr-71	269	26	.	.	PUNCT
afbr-71	270	1	advance	advance	PROPN
afbr-71	270	2	credi	credi	PROPN
afbr-71	270	3	risk	risk	NOUN
afbr-71	270	4	management	management	NOUN
afbr-71	270	5	:	:	PUNCT
afbr-71	270	6	analysis	analysis	NOUN
afbr-71	270	7	and	and	CCONJ
afbr-71	270	8	management	management	NOUN
afbr-71	270	9	.	.	PUNCT
afbr-71	271	1	new	new	ADJ
afbr-71	271	2	delhi	delhi	PROPN
afbr-71	271	3	:	:	PUNCT
afbr-71	271	4	wily	wily	PROPN
afbr-71	271	5	india	india	PROPN
afbr-71	271	6	pvt	pvt	PROPN
afbr-71	271	7	.	.	PROPN
afbr-71	271	8	ltd	ltd	PROPN
afbr-71	271	9	.	.	PROPN
afbr-71	272	1	k.k	k.k	PROPN
afbr-71	272	2	,	,	PUNCT
afbr-71	272	3	s.	s.	PROPN
afbr-71	272	4	,	,	PUNCT
afbr-71	272	5	&	&	CCONJ
afbr-71	272	6	pillai	pillai	PROPN
afbr-71	272	7	,	,	PUNCT
afbr-71	272	8	p.	p.	PROPN
afbr-71	272	9	s.	s.	PROPN
afbr-71	272	10	(	(	PUNCT
afbr-71	272	11	2012	2012	NUM
afbr-71	272	12	)	)	PUNCT
afbr-71	272	13	.	.	PUNCT
afbr-71	273	1	a	a	DET
afbr-71	273	2	study	study	NOUN
afbr-71	273	3	on	on	ADP
afbr-71	273	4	the	the	DET
afbr-71	273	5	performance	performance	NOUN
afbr-71	273	6	of	of	ADP
afbr-71	273	7	non	non	ADJ
afbr-71	273	8	-	-	ADJ
afbr-71	273	9	performing	perform	VERB
afbr-71	273	10	assets	asset	NOUN
afbr-71	273	11	(	(	PUNCT
afbr-71	273	12	npas	npas	NOUN
afbr-71	273	13	)	)	PUNCT
afbr-71	273	14	of	of	ADP
afbr-71	273	15	indian	indian	PROPN
afbr-71	273	16	banking	banking	NOUN
afbr-71	273	17	during	during	ADP
afbr-71	273	18	post	post	NOUN
afbr-71	273	19	millennium	millennium	NOUN
afbr-71	273	20	period	period	NOUN
afbr-71	273	21	.	.	PUNCT
afbr-71	274	1	international	international	ADJ
afbr-71	274	2	journal	journal	PROPN
afbr-71	274	3	of	of	ADP
afbr-71	274	4	business	business	NOUN
afbr-71	274	5	and	and	CCONJ
afbr-71	274	6	management	management	NOUN
afbr-71	274	7	tomorrow	tomorrow	NOUN
afbr-71	274	8	,	,	PUNCT
afbr-71	274	9	2	2	NUM
afbr-71	274	10	(	(	PUNCT
afbr-71	274	11	3	3	NUM
afbr-71	274	12	)	)	PUNCT
afbr-71	274	13	,	,	PUNCT
afbr-71	274	14	1	1	NUM
afbr-71	274	15	-	-	SYM
afbr-71	274	16	12	12	NUM
afbr-71	274	17	.	.	PUNCT
afbr-71	275	1	kassim	kassim	PROPN
afbr-71	275	2	,	,	PUNCT
afbr-71	275	3	a.	a.	PROPN
afbr-71	275	4	(	(	PUNCT
afbr-71	275	5	2002	2002	NUM
afbr-71	275	6	)	)	PUNCT
afbr-71	275	7	.	.	PUNCT
afbr-71	276	1	risk	risk	NOUN
afbr-71	276	2	management	management	NOUN
afbr-71	276	3	in	in	ADP
afbr-71	276	4	financial	financial	ADJ
afbr-71	276	5	institutions	institution	NOUN
afbr-71	276	6	:	:	PUNCT
afbr-71	276	7	banks	bank	NOUN
afbr-71	276	8	experiences	experience	NOUN
afbr-71	276	9	.	.	PUNCT
afbr-71	277	1	union	union	NOUN
afbr-71	277	2	digest	digest	PROPN
afbr-71	277	3	,	,	PUNCT
afbr-71	277	4	7	7	NUM
afbr-71	277	5	(	(	PUNCT
afbr-71	277	6	1	1	NUM
afbr-71	277	7	&	&	CCONJ
afbr-71	277	8	2	2	NUM
afbr-71	277	9	)	)	PUNCT
afbr-71	277	10	.	.	PUNCT
afbr-71	278	1	koopman	koopman	PROPN
afbr-71	278	2	,	,	PUNCT
afbr-71	278	3	s.	s.	PROPN
afbr-71	278	4	j.	j.	PROPN
afbr-71	278	5	,	,	PUNCT
afbr-71	278	6	&	&	CCONJ
afbr-71	278	7	lucas	lucas	PROPN
afbr-71	278	8	,	,	PUNCT
afbr-71	278	9	a.	a.	NOUN
afbr-71	278	10	(	(	PUNCT
afbr-71	278	11	2005	2005	NUM
afbr-71	278	12	)	)	PUNCT
afbr-71	278	13	.	.	PUNCT
afbr-71	279	1	business	business	NOUN
afbr-71	279	2	and	and	CCONJ
afbr-71	279	3	default	default	NOUN
afbr-71	279	4	cycles	cycle	NOUN
afbr-71	279	5	for	for	ADP
afbr-71	279	6	credit	credit	NOUN
afbr-71	279	7	risk	risk	NOUN
afbr-71	279	8	.	.	PUNCT
afbr-71	280	1	journal	journal	NOUN
afbr-71	280	2	of	of	ADP
afbr-71	280	3	applied	apply	VERB
afbr-71	280	4	econometrics	econometric	NOUN
afbr-71	280	5	,	,	PUNCT
afbr-71	280	6	20	20	NUM
afbr-71	280	7	,	,	PUNCT
afbr-71	280	8	311–323	311–323	NUM
afbr-71	280	9	.	.	PUNCT
afbr-71	281	1	luqman	luqman	PROPN
afbr-71	281	2	,	,	PUNCT
afbr-71	281	3	o.	o.	PROPN
afbr-71	281	4	s.	s.	PROPN
afbr-71	281	5	(	(	PUNCT
afbr-71	281	6	2014	2014	NUM
afbr-71	281	7	,	,	PUNCT
afbr-71	281	8	december	december	PROPN
afbr-71	281	9	10	10	NUM
afbr-71	281	10	)	)	PUNCT
afbr-71	281	11	.	.	PUNCT
afbr-71	282	1	the	the	DET
afbr-71	282	2	effect	effect	NOUN
afbr-71	282	3	of	of	ADP
afbr-71	282	4	credit	credit	NOUN
afbr-71	282	5	risk	risk	NOUN
afbr-71	282	6	on	on	ADP
afbr-71	282	7	the	the	DET
afbr-71	282	8	performance	performance	NOUN
afbr-71	282	9	of	of	ADP
afbr-71	282	10	commercial	commercial	ADJ
afbr-71	282	11	banks	bank	NOUN
afbr-71	282	12	in	in	ADP
afbr-71	282	13	nigeria	nigeria	PROPN
afbr-71	282	14	.	.	PUNCT
afbr-71	283	1	p.	p.	NOUN
afbr-71	283	2	available	available	ADJ
afbr-71	283	3	at	at	ADP
afbr-71	283	4	ssrn	ssrn	PROPN
afbr-71	283	5	:	:	PUNCT
afbr-71	283	6	http://ssrn.com/abstract=2536531	http://ssrn.com/abstract=2536531	PROPN
afbr-71	283	7	orhttp://dx.doi.org/10.2139/ssrn.2536531	orhttp://dx.doi.org/10.2139/ssrn.2536531	PROPN
afbr-71	283	8	.	.	PROPN
afbr-71	283	9	mckinsey	mckinsey	PROPN
afbr-71	283	10	&	&	CCONJ
afbr-71	283	11	company	company	PROPN
afbr-71	283	12	.	.	PUNCT
afbr-71	284	1	(	(	PUNCT
afbr-71	284	2	1997	1997	NUM
afbr-71	284	3	)	)	PUNCT
afbr-71	284	4	.	.	PUNCT
afbr-71	285	1	credit	credit	NOUN
afbr-71	285	2	portfolio	portfolio	NOUN
afbr-71	285	3	view	view	NOUN
afbr-71	285	4	.	.	PUNCT
afbr-71	286	1	new	new	PROPN
afbr-71	286	2	york	york	PROPN
afbr-71	286	3	:	:	PUNCT
afbr-71	286	4	mackinsey	mackinsey	PROPN
afbr-71	286	5	inc	inc	PROPN
afbr-71	286	6	.	.	PROPN
afbr-71	286	7	mileris	mileris	PROPN
afbr-71	286	8	,	,	PUNCT
afbr-71	286	9	r.	r.	PROPN
afbr-71	286	10	(	(	PUNCT
afbr-71	286	11	2012	2012	NUM
afbr-71	286	12	)	)	PUNCT
afbr-71	286	13	.	.	PUNCT
afbr-71	287	1	the	the	DET
afbr-71	287	2	effects	effect	NOUN
afbr-71	287	3	of	of	ADP
afbr-71	287	4	macroeconomic	macroeconomic	ADJ
afbr-71	287	5	condi	condi	NOUN
afbr-71	287	6	tions	tion	NOUN
afbr-71	287	7	on	on	ADP
afbr-71	287	8	loan	loan	NOUN
afbr-71	287	9	portfolio	portfolio	NOUN
afbr-71	287	10	credi	credi	PROPN
afbr-71	287	11	t	t	PROPN
afbr-71	287	12	risk	risk	NOUN
afbr-71	287	13	and	and	CCONJ
afbr-71	287	14	banking	banking	NOUN
afbr-71	287	15	system	system	NOUN
afbr-71	287	16	interest	interest	NOUN
afbr-71	287	17	income	income	NOUN
afbr-71	287	18	.	.	PUNCT
afbr-71	288	1	economica	economica	PROPN
afbr-71	288	2	,	,	PUNCT
afbr-71	288	3	91	91	NUM
afbr-71	288	4	(	(	PUNCT
afbr-71	288	5	3	3	NUM
afbr-71	288	6	)	)	PUNCT
afbr-71	288	7	,	,	PUNCT
afbr-71	288	8	85	85	NUM
afbr-71	288	9	-	-	SYM
afbr-71	288	10	100	100	NUM
afbr-71	288	11	.	.	PUNCT
afbr-71	289	1	nazir	nazir	PROPN
afbr-71	289	2	,	,	PUNCT
afbr-71	289	3	m.	m.	PROPN
afbr-71	289	4	s.	s.	PROPN
afbr-71	289	5	,	,	PUNCT
afbr-71	289	6	daniel	daniel	PROPN
afbr-71	289	7	,	,	PUNCT
afbr-71	289	8	a.	a.	PROPN
afbr-71	289	9	,	,	PUNCT
afbr-71	289	10	&	&	CCONJ
afbr-71	289	11	nawaz	nawaz	NOUN
afbr-71	289	12	,	,	PUNCT
afbr-71	289	13	m.	m.	NOUN
afbr-71	289	14	m.	m.	NOUN
afbr-71	289	15	(	(	PUNCT
afbr-71	289	16	2012	2012	NUM
afbr-71	289	17	)	)	PUNCT
afbr-71	289	18	.	.	PUNCT
afbr-71	290	1	risk	risk	NOUN
afbr-71	290	2	management	management	NOUN
afbr-71	290	3	practices	practice	NOUN
afbr-71	290	4	:	:	PUNCT
afbr-71	290	5	a	a	DET
afbr-71	290	6	comparison	comparison	NOUN
afbr-71	290	7	of	of	ADP
afbr-71	290	8	conventional	conventional	ADJ
afbr-71	290	9	and	and	CCONJ
afbr-71	290	10	islamic	islamic	ADJ
afbr-71	290	11	banks	bank	NOUN
afbr-71	290	12	in	in	ADP
afbr-71	290	13	pakistan	pakistan	PROPN
afbr-71	290	14	.	.	PUNCT
afbr-71	291	1	american	american	PROPN
afbr-71	291	2	journal	journal	PROPN
afbr-71	291	3	of	of	ADP
afbr-71	291	4	scientific	scientific	ADJ
afbr-71	291	5	research	research	NOUN
afbr-71	291	6	(	(	PUNCT
afbr-71	291	7	68	68	NUM
afbr-71	291	8	)	)	PUNCT
afbr-71	291	9	,	,	PUNCT
afbr-71	291	10	p	p	NOUN
afbr-71	291	11	14	14	NUM
afbr-71	291	12	-	-	SYM
afbr-71	291	13	22	22	NUM
afbr-71	291	14	.	.	PUNCT
afbr-71	292	1	nepal	nepal	PROPN
afbr-71	292	2	rastra	rastra	PROPN
afbr-71	292	3	bank	bank	PROPN
afbr-71	292	4	.	.	PUNCT
afbr-71	293	1	(	(	PUNCT
afbr-71	293	2	2010	2010	NUM
afbr-71	293	3	,	,	PUNCT
afbr-71	293	4	july	july	PROPN
afbr-71	293	5	)	)	PUNCT
afbr-71	293	6	.	.	PUNCT
afbr-71	294	1	risk	risk	NOUN
afbr-71	294	2	management	management	NOUN
afbr-71	294	3	guidelines	guideline	NOUN
afbr-71	294	4	.	.	PUNCT
afbr-71	295	1	nepal	nepal	PROPN
afbr-71	295	2	rastra	rastra	PROPN
afbr-71	295	3	bank	bank	PROPN
afbr-71	295	4	,	,	PUNCT
afbr-71	295	5	bank	bank	NOUN
afbr-71	295	6	supervision	supervision	PROPN
afbr-71	295	7	department	department	PROPN
afbr-71	295	8	.	.	PUNCT
afbr-71	296	1	nijskens	nijskens	PROPN
afbr-71	296	2	,	,	PUNCT
afbr-71	296	3	r.	r.	PROPN
afbr-71	296	4	(	(	PUNCT
afbr-71	296	5	2011	2011	NUM
afbr-71	296	6	)	)	PUNCT
afbr-71	296	7	.	.	PUNCT
afbr-71	297	1	credit	credit	NOUN
afbr-71	297	2	risk	risk	NOUN
afbr-71	297	3	transfer	transfer	NOUN
afbr-71	297	4	activities	activity	NOUN
afbr-71	297	5	and	and	CCONJ
afbr-71	297	6	systemic	systemic	ADJ
afbr-71	297	7	risk	risk	NOUN
afbr-71	297	8	:	:	PUNCT
afbr-71	297	9	how	how	SCONJ
afbr-71	297	10	banks	bank	NOUN
afbr-71	297	11	became	become	VERB
afbr-71	297	12	less	less	ADV
afbr-71	297	13	risky	risky	ADJ
afbr-71	297	14	individually	individually	ADV
afbr-71	297	15	but	but	CCONJ
afbr-71	297	16	posed	pose	VERB
afbr-71	297	17	greater	great	ADJ
afbr-71	297	18	risks	risk	NOUN
afbr-71	297	19	to	to	ADP
afbr-71	297	20	the	the	DET
afbr-71	297	21	financial	financial	ADJ
afbr-71	297	22	system	system	NOUN
afbr-71	297	23	at	at	ADP
afbr-71	297	24	the	the	DET
afbr-71	297	25	same	same	ADJ
afbr-71	297	26	time	time	NOUN
afbr-71	297	27	.	.	PUNCT
afbr-71	298	1	journal	journal	NOUN
afbr-71	298	2	of	of	ADP
afbr-71	298	3	banking	banking	NOUN
afbr-71	298	4	&	&	CCONJ
afbr-71	298	5	finance	finance	PROPN
afbr-71	298	6	,	,	PUNCT
afbr-71	298	7	35	35	NUM
afbr-71	298	8	(	(	PUNCT
afbr-71	298	9	6	6	NUM
afbr-71	298	10	)	)	PUNCT
afbr-71	298	11	,	,	PUNCT
afbr-71	298	12	1391	1391	NUM
afbr-71	298	13	-	-	SYM
afbr-71	298	14	1398	1398	NUM
afbr-71	298	15	.	.	PUNCT
afbr-71	299	1	norden	norden	PROPN
afbr-71	299	2	,	,	PUNCT
afbr-71	299	3	l.	l.	PROPN
afbr-71	299	4	,	,	PUNCT
afbr-71	299	5	&	&	CCONJ
afbr-71	299	6	weber	weber	PROPN
afbr-71	299	7	,	,	PUNCT
afbr-71	299	8	m.	m.	NOUN
afbr-71	299	9	(	(	PUNCT
afbr-71	299	10	2010	2010	NUM
afbr-71	299	11	)	)	PUNCT
afbr-71	299	12	.	.	PUNCT
afbr-71	300	1	credit	credit	NOUN
afbr-71	300	2	line	line	NOUN
afbr-71	300	3	usage	usage	NOUN
afbr-71	300	4	,	,	PUNCT
afbr-71	300	5	checking	check	VERB
afbr-71	300	6	account	account	NOUN
afbr-71	300	7	activity	activity	NOUN
afbr-71	300	8	,	,	PUNCT
afbr-71	300	9	and	and	CCONJ
afbr-71	300	10	default	default	NOUN
afbr-71	300	11	risk	risk	NOUN
afbr-71	300	12	of	of	ADP
afbr-71	300	13	bank	bank	NOUN
afbr-71	300	14	borrowers	borrower	NOUN
afbr-71	300	15	.	.	PUNCT
afbr-71	301	1	the	the	DET
afbr-71	301	2	review	review	NOUN
afbr-71	301	3	of	of	ADP
afbr-71	301	4	financial	financial	ADJ
afbr-71	301	5	studies	study	NOUN
afbr-71	301	6	,	,	PUNCT
afbr-71	301	7	23	23	NUM
afbr-71	301	8	(	(	PUNCT
afbr-71	301	9	5	5	NUM
afbr-71	301	10	)	)	PUNCT
afbr-71	301	11	,	,	PUNCT
afbr-71	301	12	3666	3666	NUM
afbr-71	301	13	-	-	SYM
afbr-71	301	14	3699	3699	NUM
afbr-71	301	15	,	,	PUNCT
afbr-71	301	16	retrieved	retrieve	VERB
afbr-71	301	17	from	from	ADP
afbr-71	301	18	http://rfs.oxfordjournals.org/.	http://rfs.oxfordjournals.org/.	PROPN
afbr-71	301	19	pu	pu	PROPN
afbr-71	301	20	,	,	PUNCT
afbr-71	301	21	x.	x.	NOUN
afbr-71	301	22	,	,	PUNCT
afbr-71	301	23	&	&	CCONJ
afbr-71	301	24	zhao	zhao	PROPN
afbr-71	301	25	,	,	PUNCT
afbr-71	301	26	x.	x.	NOUN
afbr-71	301	27	(	(	PUNCT
afbr-71	301	28	2010	2010	NUM
afbr-71	301	29	,	,	PUNCT
afbr-71	301	30	february	february	PROPN
afbr-71	301	31	10	10	NUM
afbr-71	301	32	)	)	PUNCT
afbr-71	301	33	.	.	PUNCT
afbr-71	302	1	correlation	correlation	NOUN
afbr-71	302	2	in	in	ADP
afbr-71	302	3	credit	credit	NOUN
afbr-71	302	4	risk	risk	NOUN
afbr-71	302	5	.	.	PUNCT
afbr-71	303	1	occ	occ	NOUN
afbr-71	303	2	economics	economics	PROPN
afbr-71	303	3	working	working	PROPN
afbr-71	303	4	paper	paper	NOUN
afbr-71	303	5	2009	2009	NUM
afbr-71	303	6	-	-	SYM
afbr-71	303	7	5	5	NUM
afbr-71	303	8	.	.	PUNCT
afbr-71	304	1	usa	usa	PROPN
afbr-71	304	2	:	:	PUNCT
afbr-71	304	3	office	office	NOUN
afbr-71	304	4	of	of	ADP
afbr-71	304	5	the	the	DET
afbr-71	304	6	comptroller	comptroller	NOUN
afbr-71	304	7	of	of	ADP
afbr-71	304	8	the	the	DET
afbr-71	304	9	currency	currency	NOUN
afbr-71	304	10	.	.	PUNCT
afbr-71	305	1	rajaraman	rajaraman	NOUN
afbr-71	305	2	,	,	PUNCT
afbr-71	305	3	i.	i.	PROPN
afbr-71	305	4	,	,	PUNCT
afbr-71	305	5	&	&	CCONJ
afbr-71	305	6	vasistha	vasistha	PROPN
afbr-71	305	7	,	,	PUNCT
afbr-71	305	8	g.	g.	PROPN
afbr-71	305	9	(	(	PUNCT
afbr-71	305	10	2002	2002	NUM
afbr-71	305	11	)	)	PUNCT
afbr-71	305	12	.	.	PUNCT
afbr-71	306	1	non	non	ADJ
afbr-71	306	2	performing	perform	VERB
afbr-71	306	3	loans	loan	NOUN
afbr-71	306	4	of	of	ADP
afbr-71	306	5	psu	psu	ADJ
afbr-71	306	6	bnaks	bnak	NOUN
afbr-71	306	7	:	:	PUNCT
afbr-71	306	8	some	some	DET
afbr-71	306	9	panel	panel	NOUN
afbr-71	306	10	result	result	VERB
afbr-71	306	11	.	.	PUNCT
afbr-71	307	1	economic	economic	ADJ
afbr-71	307	2	and	and	CCONJ
afbr-71	307	3	political	political	ADJ
afbr-71	307	4	weekly	weekly	NOUN
afbr-71	307	5	,	,	PUNCT
afbr-71	307	6	429435	429435	NUM
afbr-71	307	7	.	.	PUNCT
afbr-71	308	1	rana	rana	PROPN
afbr-71	308	2	-	-	PUNCT
afbr-71	308	3	al	al	PROPN
afbr-71	308	4	-	-	NOUN
afbr-71	308	5	musharrfa	musharrfa	NOUN
afbr-71	308	6	.	.	PUNCT
afbr-71	309	1	(	(	PUNCT
afbr-71	309	2	2013	2013	NUM
afbr-71	309	3	)	)	PUNCT
afbr-71	309	4	.	.	PUNCT
afbr-71	310	1	credit	credit	NOUN
afbr-71	310	2	assessement	assessement	ADJ
afbr-71	310	3	practice	practice	NOUN
afbr-71	310	4	of	of	ADP
afbr-71	310	5	commercial	commercial	ADJ
afbr-71	310	6	bank	bank	PROPN
afbr-71	310	7	in	in	ADP
afbr-71	310	8	bangladesh	bangladesh	PROPN
afbr-71	310	9	.	.	PUNCT
afbr-71	311	1	international	international	ADJ
afbr-71	311	2	journal	journal	PROPN
afbr-71	311	3	of	of	ADP
afbr-71	311	4	economics	economic	NOUN
afbr-71	311	5	,	,	PUNCT
afbr-71	311	6	finance	finance	NOUN
afbr-71	311	7	,	,	PUNCT
afbr-71	311	8	and	and	CCONJ
afbr-71	311	9	management	management	NOUN
afbr-71	311	10	science	science	NOUN
afbr-71	311	11	,	,	PUNCT
afbr-71	311	12	1	1	NUM
afbr-71	311	13	(	(	PUNCT
afbr-71	311	14	6	6	NUM
afbr-71	311	15	)	)	PUNCT
afbr-71	311	16	,	,	PUNCT
afbr-71	311	17	382387	382387	NUM
afbr-71	311	18	,	,	PUNCT
afbr-71	311	19	doi	doi	NOUN
afbr-71	311	20	:	:	PUNCT
afbr-71	311	21	10.11648	10.11648	NUM
afbr-71	311	22	/	/	SYM
afbr-71	311	23	j.ijefm.20130106.25	j.ijefm.20130106.25	PROPN
afbr-71	311	24	.	.	PUNCT
afbr-71	312	1	rani	rani	PROPN
afbr-71	312	2	,	,	PUNCT
afbr-71	312	3	s.	s.	PROPN
afbr-71	312	4	(	(	PUNCT
afbr-71	312	5	2012	2012	NUM
afbr-71	312	6	)	)	PUNCT
afbr-71	312	7	.	.	PUNCT
afbr-71	313	1	risk	risk	NOUN
afbr-71	313	2	management	management	NOUN
afbr-71	313	3	practices	practice	NOUN
afbr-71	313	4	of	of	ADP
afbr-71	313	5	scheduled	schedule	VERB
afbr-71	313	6	commercial	commercial	ADJ
afbr-71	313	7	banksperceptions	banksperception	NOUN
afbr-71	313	8	of	of	ADP
afbr-71	313	9	banks	bank	NOUN
afbr-71	313	10	'	'	PART
afbr-71	313	11	officials	official	NOUN
afbr-71	313	12	.	.	PUNCT
afbr-71	314	1	national	national	ADJ
afbr-71	314	2	conference	conference	NOUN
afbr-71	314	3	on	on	ADP
afbr-71	314	4	emerging	emerge	VERB
afbr-71	314	5	challanges	challange	NOUN
afbr-71	314	6	for	for	ADP
afbr-71	314	7	sustainable	sustainable	ADJ
afbr-71	314	8	business	business	NOUN
afbr-71	314	9	,	,	PUNCT
afbr-71	314	10	(	(	PUNCT
afbr-71	314	11	pp	pp	ADV
afbr-71	314	12	.	.	PUNCT
afbr-71	315	1	255	255	NUM
afbr-71	315	2	-	-	SYM
afbr-71	315	3	272	272	NUM
afbr-71	315	4	)	)	PUNCT
afbr-71	315	5	.	.	PUNCT
afbr-71	316	1	rosch	rosch	PROPN
afbr-71	316	2	,	,	PUNCT
afbr-71	316	3	d.	d.	PROPN
afbr-71	316	4	,	,	PUNCT
afbr-71	316	5	&	&	CCONJ
afbr-71	316	6	scheule	scheule	PROPN
afbr-71	316	7	,	,	PUNCT
afbr-71	316	8	h.	h.	PROPN
afbr-71	316	9	(	(	PUNCT
afbr-71	316	10	2010	2010	NUM
afbr-71	316	11	)	)	PUNCT
afbr-71	316	12	.	.	PUNCT
afbr-71	317	1	downturn	downturn	NOUN
afbr-71	317	2	credit	credit	NOUN
afbr-71	317	3	portfolio	portfolio	NOUN
afbr-71	317	4	risk	risk	NOUN
afbr-71	317	5	,	,	PUNCT
afbr-71	317	6	regulatory	regulatory	ADJ
afbr-71	317	7	capital	capital	NOUN
afbr-71	317	8	and	and	CCONJ
afbr-71	317	9	prudential	prudential	ADJ
afbr-71	317	10	incentives	incentive	NOUN
afbr-71	317	11	.	.	PUNCT
afbr-71	318	1	international	international	ADJ
afbr-71	318	2	review	review	NOUN
afbr-71	318	3	of	of	ADP
afbr-71	318	4	finance	finance	NOUN
afbr-71	318	5	,	,	PUNCT
afbr-71	318	6	10	10	NUM
afbr-71	318	7	(	(	PUNCT
afbr-71	318	8	2	2	NUM
afbr-71	318	9	)	)	PUNCT
afbr-71	318	10	,	,	PUNCT
afbr-71	318	11	185–207	185–207	NUM
afbr-71	318	12	.	.	PUNCT
afbr-71	319	1	siems	siem	NOUN
afbr-71	319	2	,	,	PUNCT
afbr-71	319	3	t.	t.	PROPN
afbr-71	319	4	f.	f.	PROPN
afbr-71	319	5	,	,	PUNCT
afbr-71	319	6	&	&	CCONJ
afbr-71	319	7	barr	barr	PROPN
afbr-71	319	8	,	,	PUNCT
afbr-71	319	9	r.	r.	PROPN
afbr-71	319	10	(	(	PUNCT
afbr-71	319	11	1994	1994	NUM
afbr-71	319	12	)	)	PUNCT
afbr-71	319	13	.	.	PUNCT
afbr-71	320	1	predicting	predict	VERB
afbr-71	320	2	abnk	abnk	NOUN
afbr-71	320	3	failure	failure	NOUN
afbr-71	320	4	using	use	VERB
afbr-71	320	5	dea	dea	NOUN
afbr-71	320	6	for	for	SCONJ
afbr-71	320	7	npa	npa	PROPN
afbr-71	320	8	to	to	PART
afbr-71	320	9	management	management	VERB
afbr-71	320	10	quality.financial	quality.financial	ADJ
afbr-71	320	11	industry	industry	NOUN
afbr-71	320	12	studies	study	NOUN
afbr-71	320	13	.	.	PUNCT
afbr-71	321	1	(	(	PUNCT
afbr-71	321	2	1	1	NUM
afbr-71	321	3	)	)	PUNCT
afbr-71	321	4	,	,	PUNCT
afbr-71	321	5	1	1	NUM
afbr-71	321	6	-	-	SYM
afbr-71	321	7	31	31	NUM
afbr-71	321	8	.	.	PUNCT
afbr-71	322	1	thiagarajan	thiagarajan	NOUN
afbr-71	322	2	,	,	PUNCT
afbr-71	322	3	s.	s.	PROPN
afbr-71	322	4	,	,	PUNCT
afbr-71	322	5	ayyappan	ayyappan	PROPN
afbr-71	322	6	,	,	PUNCT
afbr-71	322	7	s.	s.	PROPN
afbr-71	322	8	,	,	PUNCT
afbr-71	322	9	&	&	CCONJ
afbr-71	322	10	ramachandran	ramachandran	PROPN
afbr-71	322	11	,	,	PUNCT
afbr-71	322	12	a.	a.	NOUN
afbr-71	322	13	(	(	PUNCT
afbr-71	322	14	2011	2011	NUM
afbr-71	322	15	)	)	PUNCT
afbr-71	322	16	.	.	PUNCT
afbr-71	323	1	credit	credit	NOUN
afbr-71	323	2	risk	risk	NOUN
afbr-71	323	3	determinants	determinant	NOUN
afbr-71	323	4	of	of	ADP
afbr-71	323	5	public	public	ADJ
afbr-71	323	6	and	and	CCONJ
afbr-71	323	7	private	private	ADJ
afbr-71	323	8	sector	sector	NOUN
afbr-71	323	9	banks	bank	NOUN
afbr-71	323	10	in	in	ADP
afbr-71	323	11	india	india	PROPN
afbr-71	323	12	.	.	PUNCT
afbr-71	324	1	european	european	PROPN
afbr-71	324	2	journal	journal	PROPN
afbr-71	324	3	of	of	ADP
afbr-71	324	4	economics	economic	NOUN
afbr-71	324	5	,	,	PUNCT
afbr-71	324	6	finance	finance	NOUN
afbr-71	324	7	and	and	CCONJ
afbr-71	324	8	administrative	administrative	ADJ
afbr-71	324	9	sciences	science	NOUN
afbr-71	324	10	(	(	PUNCT
afbr-71	324	11	34	34	NUM
afbr-71	324	12	)	)	PUNCT
afbr-71	324	13	,	,	PUNCT
afbr-71	324	14	147	147	NUM
afbr-71	324	15	-	-	SYM
afbr-71	324	16	154	154	NUM
afbr-71	324	17	.	.	PUNCT
afbr-71	325	1	wang	wang	PROPN
afbr-71	325	2	,	,	PUNCT
afbr-71	325	3	y.	y.	PROPN
afbr-71	325	4	(	(	PUNCT
afbr-71	325	5	2013	2013	NUM
afbr-71	325	6	)	)	PUNCT
afbr-71	325	7	.	.	PUNCT
afbr-71	326	1	credit	credit	NOUN
afbr-71	326	2	risk	risk	NOUN
afbr-71	326	3	management	management	NOUN
afbr-71	326	4	in	in	ADP
afbr-71	326	5	rural	rural	ADJ
afbr-71	326	6	commercial	commercial	ADJ
afbr-71	326	7	banks	bank	NOUN
afbr-71	326	8	in	in	ADP
afbr-71	326	9	china	china	PROPN
afbr-71	326	10	(	(	PUNCT
afbr-71	326	11	doctoral	doctoral	ADJ
afbr-71	326	12	dissertataion	dissertataion	NOUN
afbr-71	326	13	)	)	PUNCT
afbr-71	326	14	,	,	PUNCT
afbr-71	326	15	retrived	retrive	VERB
afbr-71	326	16	from	from	ADP
afbr-71	326	17	http://researchrepository.napier.ac.uk/id/eprint/6659	http://researchrepository.napier.ac.uk/id/eprint/6659	PROPN
afbr-71	326	18	.	.	PUNCT
afbr-71	327	1	comparative	comparative	ADJ
afbr-71	327	2	study	study	NOUN
afbr-71	327	3	on	on	ADP
afbr-71	327	4	credit	credit	NOUN
afbr-71	327	5	monitoring	monitoring	NOUN
afbr-71	327	6	practices	practice	NOUN
afbr-71	327	7	in	in	ADP
afbr-71	327	8	slected	slecte	VERB
afbr-71	327	9	banks	bank	NOUN
afbr-71	327	10	of	of	ADP
afbr-71	327	11	nepal	nepal	ADJ
afbr-71	327	12	fatta	fatta	PROPN
afbr-71	327	13	bahadur	bahadur	PROPN
afbr-71	327	14	k.c	k.c	PROPN
afbr-71	327	15	and	and	CCONJ
afbr-71	327	16	indra	indra	PROPN
afbr-71	327	17	kumar	kumar	PROPN
afbr-71	327	18	kattel	kattel	PROPN
afbr-71	327	19	25	25	NUM
afbr-71	327	20	williams	williams	PROPN
afbr-71	327	21	,	,	PUNCT
afbr-71	327	22	r.	r.	PROPN
afbr-71	327	23	,	,	PUNCT
afbr-71	327	24	bertsch	bertsch	PROPN
afbr-71	327	25	,	,	PUNCT
afbr-71	327	26	b.	b.	PROPN
afbr-71	327	27	,	,	PUNCT
afbr-71	327	28	dale	dale	PROPN
afbr-71	327	29	,	,	PUNCT
afbr-71	327	30	b.	b.	PROPN
afbr-71	327	31	,	,	PUNCT
afbr-71	327	32	wiele	wiele	PROPN
afbr-71	327	33	,	,	PUNCT
afbr-71	327	34	t.	t.	PROPN
afbr-71	327	35	v.	v.	PROPN
afbr-71	327	36	,	,	PUNCT
afbr-71	327	37	iwaarden	iwaarden	PROPN
afbr-71	327	38	,	,	PUNCT
afbr-71	327	39	j.	j.	PROPN
afbr-71	327	40	v.	v.	PROPN
afbr-71	327	41	,	,	PUNCT
afbr-71	327	42	smith	smith	PROPN
afbr-71	327	43	,	,	PUNCT
afbr-71	327	44	m.	m.	NOUN
afbr-71	327	45	,	,	PUNCT
afbr-71	327	46	et	et	PROPN
afbr-71	327	47	al	al	PROPN
afbr-71	327	48	.	.	PUNCT
afbr-71	327	49	(	(	PUNCT
afbr-71	327	50	2006	2006	NUM
afbr-71	327	51	)	)	PUNCT
afbr-71	327	52	.	.	PUNCT
afbr-71	328	1	quality	quality	NOUN
afbr-71	328	2	and	and	CCONJ
afbr-71	328	3	risk	risk	NOUN
afbr-71	328	4	management	management	NOUN
afbr-71	328	5	:	:	PUNCT
afbr-71	328	6	what	what	PRON
afbr-71	328	7	are	be	AUX
afbr-71	328	8	the	the	DET
afbr-71	328	9	key	key	ADJ
afbr-71	328	10	issues	issue	NOUN
afbr-71	328	11	?	?	PUNCT
afbr-71	329	1	the	the	DET
afbr-71	329	2	tqm	tqm	PROPN
afbr-71	329	3	magazine	magazine	NOUN
afbr-71	329	4	,	,	PUNCT
afbr-71	329	5	18	18	NUM
afbr-71	329	6	(	(	PUNCT
afbr-71	329	7	1	1	NUM
afbr-71	329	8	)	)	PUNCT
afbr-71	329	9	,	,	PUNCT
afbr-71	329	10	67	67	NUM
afbr-71	329	11	-	-	SYM
afbr-71	329	12	86	86	NUM
afbr-71	329	13	.	.	PUNCT
afbr-71	330	1	wood	wood	PROPN
afbr-71	330	2	,	,	PUNCT
afbr-71	330	3	a.	a.	NOUN
afbr-71	330	4	,	,	PUNCT
afbr-71	330	5	&	&	CCONJ
afbr-71	330	6	kellman	kellman	PROPN
afbr-71	330	7	,	,	PUNCT
afbr-71	330	8	a.	a.	NOUN
afbr-71	330	9	(	(	PUNCT
afbr-71	330	10	2013	2013	NUM
afbr-71	330	11	)	)	PUNCT
afbr-71	330	12	.	.	PUNCT
afbr-71	331	1	risk	risk	NOUN
afbr-71	331	2	management	management	NOUN
afbr-71	331	3	practices	practice	NOUN
afbr-71	331	4	by	by	ADP
afbr-71	331	5	barbadian	barbadian	ADJ
afbr-71	331	6	banks	bank	NOUN
afbr-71	331	7	.	.	PUNCT
afbr-71	332	1	international	international	ADJ
afbr-71	332	2	journal	journal	PROPN
afbr-71	332	3	of	of	ADP
afbr-71	332	4	business	business	NOUN
afbr-71	332	5	and	and	CCONJ
afbr-71	332	6	social	social	ADJ
afbr-71	332	7	research	research	NOUN
afbr-71	332	8	,	,	PUNCT
afbr-71	332	9	3	3	NUM
afbr-71	332	10	(	(	PUNCT
afbr-71	332	11	5	5	NUM
afbr-71	332	12	)	)	PUNCT
afbr-71	332	13	,	,	PUNCT
afbr-71	332	14	22	22	NUM
afbr-71	332	15	-	-	SYM
afbr-71	332	16	29	29	NUM
afbr-71	332	17	.	.	PUNCT
afbr-71	333	1	copyrights	copyright	VERB
afbr-71	333	2	copyright	copyright	NOUN
afbr-71	333	3	for	for	ADP
afbr-71	333	4	this	this	DET
afbr-71	333	5	article	article	NOUN
afbr-71	333	6	is	be	AUX
afbr-71	333	7	retained	retain	VERB
afbr-71	333	8	by	by	ADP
afbr-71	333	9	the	the	DET
afbr-71	333	10	author(s	author(s	PROPN
afbr-71	333	11	)	)	PUNCT
afbr-71	333	12	,	,	PUNCT
afbr-71	333	13	with	with	ADP
afbr-71	333	14	first	first	ADJ
afbr-71	333	15	publication	publication	NOUN
afbr-71	333	16	rights	right	NOUN
afbr-71	333	17	granted	grant	VERB
afbr-71	333	18	to	to	ADP
afbr-71	333	19	the	the	DET
afbr-71	333	20	journal	journal	NOUN
afbr-71	333	21	.	.	PUNCT