id	sid	tid	token	lemma	pos
afbr-919	1	1	australian	australian	ADJ
afbr-919	1	2	finance	finance	NOUN
afbr-919	1	3	&	&	CCONJ
afbr-919	1	4	banking	banking	PROPN
afbr-919	1	5	review	review	PROPN
afbr-919	1	6	vol	vol	NOUN
afbr-919	1	7	.	.	PROPN
afbr-919	2	1	4	4	NUM
afbr-919	2	2	,	,	PUNCT
afbr-919	2	3	no	no	INTJ
afbr-919	2	4	.	.	NOUN
afbr-919	2	5	2	2	NUM
afbr-919	2	6	;	;	PUNCT
afbr-919	2	7	2020	2020	NUM
afbr-919	2	8	issn	issn	VERB
afbr-919	2	9	2576	2576	NUM
afbr-919	2	10	-	-	SYM
afbr-919	2	11	1196	1196	NUM
afbr-919	2	12	e	e	NOUN
afbr-919	2	13	-	-	PROPN
afbr-919	2	14	issn	issn	ADJ
afbr-919	2	15	2576	2576	NUM
afbr-919	2	16	-	-	PUNCT
afbr-919	2	17	120x	120x	NUM
afbr-919	2	18	published	publish	VERB
afbr-919	2	19	by	by	ADP
afbr-919	2	20	cribfb	cribfb	PROPN
afbr-919	2	21	,	,	PUNCT
afbr-919	2	22	usa	usa	PROPN
afbr-919	2	23	1	1	NUM
afbr-919	2	24	loan	loan	NOUN
afbr-919	2	25	moratorium	moratorium	NOUN
afbr-919	2	26	2020its	2020it	NOUN
afbr-919	2	27	impact	impact	NOUN
afbr-919	2	28	on	on	ADP
afbr-919	2	29	indian	indian	ADJ
afbr-919	2	30	banks	banks	PROPN
afbr-919	2	31	dr	dr	PROPN
afbr-919	2	32	.	.	PROPN
afbr-919	2	33	meera	meera	PROPN
afbr-919	2	34	mehta	mehta	PROPN
afbr-919	2	35	assistant	assistant	PROPN
afbr-919	2	36	professor	professor	PROPN
afbr-919	2	37	,	,	PUNCT
afbr-919	2	38	dept	dept	NOUN
afbr-919	2	39	.	.	PROPN
afbr-919	3	1	of	of	ADP
afbr-919	3	2	commerce	commerce	PROPN
afbr-919	3	3	sbs	sbs	PROPN
afbr-919	3	4	college	college	PROPN
afbr-919	3	5	,	,	PUNCT
afbr-919	3	6	delhi	delhi	PROPN
afbr-919	3	7	university	university	PROPN
afbr-919	3	8	,	,	PUNCT
afbr-919	3	9	india	india	PROPN
afbr-919	3	10	e	e	PROPN
afbr-919	3	11	-	-	NOUN
afbr-919	3	12	mail	mail	NOUN
afbr-919	4	1	:	:	PUNCT
afbr-919	4	2	meeramehta17@gmail.com	meeramehta17@gmail.com	X
afbr-919	4	3	rishab	rishab	PROPN
afbr-919	4	4	kaul	kaul	PROPN
afbr-919	4	5	student	student	NOUN
afbr-919	4	6	,	,	PUNCT
afbr-919	4	7	school	school	NOUN
afbr-919	4	8	of	of	ADP
afbr-919	4	9	electronics	electronic	NOUN
afbr-919	4	10	engineering	engineering	PROPN
afbr-919	4	11	vellore	vellore	PROPN
afbr-919	4	12	institute	institute	PROPN
afbr-919	4	13	of	of	ADP
afbr-919	4	14	technology	technology	PROPN
afbr-919	4	15	,	,	PUNCT
afbr-919	4	16	vellore	vellore	PROPN
afbr-919	4	17	,	,	PUNCT
afbr-919	4	18	india	india	PROPN
afbr-919	4	19	e	e	PROPN
afbr-919	4	20	-	-	NOUN
afbr-919	4	21	mail	mail	NOUN
afbr-919	4	22	:	:	PUNCT
afbr-919	4	23	rishabkaul2012@gmail.com	rishabkaul2012@gmail.com	X
afbr-919	4	24	abstract	abstract	ADJ
afbr-919	4	25	moratoriums	moratoriums	PROPN
afbr-919	4	26	area	area	NOUN
afbr-919	4	27	period	period	NOUN
afbr-919	4	28	of	of	ADP
afbr-919	4	29	temporary	temporary	ADJ
afbr-919	4	30	suspension	suspension	NOUN
afbr-919	4	31	of	of	ADP
afbr-919	4	32	an	an	DET
afbr-919	4	33	activity	activity	NOUN
afbr-919	4	34	or	or	CCONJ
afbr-919	4	35	law	law	NOUN
afbr-919	4	36	till	till	SCONJ
afbr-919	4	37	a	a	DET
afbr-919	4	38	decision	decision	NOUN
afbr-919	4	39	to	to	PART
afbr-919	4	40	lift	lift	VERB
afbr-919	4	41	the	the	DET
afbr-919	4	42	suspension	suspension	NOUN
afbr-919	4	43	is	be	AUX
afbr-919	4	44	made	make	VERB
afbr-919	4	45	,	,	PUNCT
afbr-919	4	46	as	as	SCONJ
afbr-919	4	47	in	in	ADP
afbr-919	4	48	the	the	DET
afbr-919	4	49	case	case	NOUN
afbr-919	4	50	of	of	ADP
afbr-919	4	51	the	the	DET
afbr-919	4	52	issues	issue	NOUN
afbr-919	4	53	that	that	PRON
afbr-919	4	54	led	lead	VERB
afbr-919	4	55	to	to	ADP
afbr-919	4	56	the	the	DET
afbr-919	4	57	moratorium	moratorium	NOUN
afbr-919	4	58	are	be	AUX
afbr-919	4	59	resolved	resolve	VERB
afbr-919	4	60	.	.	PUNCT
afbr-919	5	1	moratoriums	moratorium	NOUN
afbr-919	5	2	may	may	AUX
afbr-919	5	3	be	be	AUX
afbr-919	5	4	imposed	impose	VERB
afbr-919	5	5	by	by	ADP
afbr-919	5	6	regulators	regulator	NOUN
afbr-919	5	7	,	,	PUNCT
afbr-919	5	8	by	by	ADP
afbr-919	5	9	a	a	DET
afbr-919	5	10	business	business	NOUN
afbr-919	5	11	,	,	PUNCT
afbr-919	5	12	or	or	CCONJ
afbr-919	5	13	by	by	ADP
afbr-919	5	14	the	the	DET
afbr-919	5	15	government	government	NOUN
afbr-919	5	16	.	.	PUNCT
afbr-919	6	1	a	a	DET
afbr-919	6	2	moratorium	moratorium	NOUN
afbr-919	6	3	is	be	AUX
afbr-919	6	4	often	often	ADV
afbr-919	6	5	ordered	order	VERB
afbr-919	6	6	in	in	ADP
afbr-919	6	7	response	response	NOUN
afbr-919	6	8	to	to	ADP
afbr-919	6	9	situations	situation	NOUN
afbr-919	6	10	of	of	ADP
afbr-919	6	11	crisis	crisis	NOUN
afbr-919	6	12	.	.	PUNCT
afbr-919	7	1	moratoriums	moratorium	NOUN
afbr-919	7	2	are	be	AUX
afbr-919	7	3	not	not	PART
afbr-919	7	4	new	new	ADJ
afbr-919	7	5	to	to	ADP
afbr-919	7	6	the	the	DET
afbr-919	7	7	indian	indian	ADJ
afbr-919	7	8	banking	banking	NOUN
afbr-919	7	9	sector	sector	NOUN
afbr-919	7	10	and	and	CCONJ
afbr-919	7	11	have	have	AUX
afbr-919	7	12	been	be	AUX
afbr-919	7	13	granted	grant	VERB
afbr-919	7	14	and	and	CCONJ
afbr-919	7	15	imposed	impose	VERB
afbr-919	7	16	in	in	ADP
afbr-919	7	17	multiple	multiple	ADJ
afbr-919	7	18	instances	instance	NOUN
afbr-919	7	19	in	in	ADP
afbr-919	7	20	the	the	DET
afbr-919	7	21	last	last	ADJ
afbr-919	7	22	20	20	NUM
afbr-919	7	23	years	year	NOUN
afbr-919	7	24	.	.	PUNCT
afbr-919	8	1	since	since	SCONJ
afbr-919	8	2	1999	1999	NUM
afbr-919	8	3	moratoriums	moratorium	NOUN
afbr-919	8	4	have	have	AUX
afbr-919	8	5	been	be	AUX
afbr-919	8	6	imposed	impose	VERB
afbr-919	8	7	on	on	ADP
afbr-919	8	8	9	9	NUM
afbr-919	8	9	banks	bank	NOUN
afbr-919	8	10	for	for	ADP
afbr-919	8	11	various	various	ADJ
afbr-919	8	12	reasons	reason	NOUN
afbr-919	8	13	.	.	PUNCT
afbr-919	9	1	recently	recently	ADV
afbr-919	9	2	,	,	PUNCT
afbr-919	9	3	a	a	DET
afbr-919	9	4	sixmonth	sixmonth	ADJ
afbr-919	9	5	moratorium	moratorium	NOUN
afbr-919	9	6	was	be	AUX
afbr-919	9	7	offered	offer	VERB
afbr-919	9	8	by	by	ADP
afbr-919	9	9	the	the	DET
afbr-919	9	10	reserve	reserve	PROPN
afbr-919	9	11	bank	bank	PROPN
afbr-919	9	12	of	of	ADP
afbr-919	9	13	india	india	PROPN
afbr-919	9	14	(	(	PUNCT
afbr-919	9	15	rbi	rbi	PROPN
afbr-919	9	16	)	)	PUNCT
afbr-919	9	17	between	between	ADP
afbr-919	9	18	march	march	PROPN
afbr-919	9	19	1	1	NUM
afbr-919	9	20	,	,	PUNCT
afbr-919	9	21	2020	2020	NUM
afbr-919	9	22	,	,	PUNCT
afbr-919	9	23	and	and	CCONJ
afbr-919	9	24	august	august	PROPN
afbr-919	9	25	31	31	NUM
afbr-919	9	26	,	,	PUNCT
afbr-919	9	27	2020	2020	NUM
afbr-919	9	28	,	,	PUNCT
afbr-919	9	29	on	on	ADP
afbr-919	9	30	all	all	DET
afbr-919	9	31	loan	loan	NOUN
afbr-919	9	32	equated	equate	VERB
afbr-919	9	33	monthly	monthly	ADJ
afbr-919	9	34	instalments	instalment	NOUN
afbr-919	9	35	,	,	PUNCT
afbr-919	9	36	to	to	PART
afbr-919	9	37	help	help	VERB
afbr-919	9	38	lessen	lessen	VERB
afbr-919	9	39	the	the	DET
afbr-919	9	40	troubles	trouble	NOUN
afbr-919	9	41	faced	face	VERB
afbr-919	9	42	by	by	ADP
afbr-919	9	43	the	the	DET
afbr-919	9	44	borrowers	borrower	NOUN
afbr-919	9	45	due	due	ADP
afbr-919	9	46	to	to	ADP
afbr-919	9	47	the	the	DET
afbr-919	9	48	covid-19	covid-19	PROPN
afbr-919	9	49	pandemic	pandemic	NOUN
afbr-919	9	50	.	.	PUNCT
afbr-919	10	1	this	this	DET
afbr-919	10	2	paper	paper	NOUN
afbr-919	10	3	aims	aim	VERB
afbr-919	10	4	to	to	PART
afbr-919	10	5	study	study	VERB
afbr-919	10	6	the	the	DET
afbr-919	10	7	recently	recently	ADV
afbr-919	10	8	granted	grant	VERB
afbr-919	10	9	moratorium	moratorium	NOUN
afbr-919	10	10	by	by	ADP
afbr-919	10	11	the	the	DET
afbr-919	10	12	rbi	rbi	NOUN
afbr-919	10	13	to	to	PART
afbr-919	10	14	assess	assess	VERB
afbr-919	10	15	and	and	CCONJ
afbr-919	10	16	predict	predict	VERB
afbr-919	10	17	its	its	PRON
afbr-919	10	18	impact	impact	NOUN
afbr-919	10	19	on	on	ADP
afbr-919	10	20	the	the	DET
afbr-919	10	21	banking	banking	NOUN
afbr-919	10	22	sector	sector	NOUN
afbr-919	10	23	.	.	PUNCT
afbr-919	11	1	the	the	DET
afbr-919	11	2	study	study	NOUN
afbr-919	11	3	will	will	AUX
afbr-919	11	4	also	also	ADV
afbr-919	11	5	reflect	reflect	VERB
afbr-919	11	6	on	on	ADP
afbr-919	11	7	similar	similar	ADJ
afbr-919	11	8	instances	instance	NOUN
afbr-919	11	9	of	of	ADP
afbr-919	11	10	moratoriums	moratorium	NOUN
afbr-919	11	11	that	that	PRON
afbr-919	11	12	have	have	AUX
afbr-919	11	13	been	be	AUX
afbr-919	11	14	granted	grant	VERB
afbr-919	11	15	in	in	ADP
afbr-919	11	16	the	the	DET
afbr-919	11	17	united	united	PROPN
afbr-919	11	18	states	states	PROPN
afbr-919	11	19	,	,	PUNCT
afbr-919	11	20	greece	greece	PROPN
afbr-919	11	21	,	,	PUNCT
afbr-919	11	22	and	and	CCONJ
afbr-919	11	23	thailand	thailand	PROPN
afbr-919	11	24	in	in	ADP
afbr-919	11	25	the	the	DET
afbr-919	11	26	last	last	ADJ
afbr-919	11	27	20	20	NUM
afbr-919	11	28	years	year	NOUN
afbr-919	11	29	.	.	PUNCT
afbr-919	12	1	keywords	keyword	NOUN
afbr-919	12	2	:	:	PUNCT
afbr-919	12	3	moratorium	moratorium	NOUN
afbr-919	12	4	,	,	PUNCT
afbr-919	12	5	suspension	suspension	NOUN
afbr-919	12	6	,	,	PUNCT
afbr-919	12	7	rbi	rbi	NOUN
afbr-919	12	8	,	,	PUNCT
afbr-919	12	9	borrowers	borrower	NOUN
afbr-919	12	10	,	,	PUNCT
afbr-919	12	11	pandemic	pandemic	ADJ
afbr-919	12	12	.	.	PUNCT
afbr-919	13	1	jel	jel	PROPN
afbr-919	13	2	classification	classification	NOUN
afbr-919	13	3	codes	code	NOUN
afbr-919	13	4	:	:	PUNCT
afbr-919	13	5	e5	e5	PROPN
afbr-919	13	6	,	,	PUNCT
afbr-919	13	7	e58	e58	PROPN
afbr-919	13	8	,	,	PUNCT
afbr-919	13	9	e59	e59	NOUN
afbr-919	13	10	introduction	introduction	NOUN
afbr-919	13	11	on	on	ADP
afbr-919	13	12	27th	27th	ADJ
afbr-919	13	13	march	march	PROPN
afbr-919	13	14	2020	2020	NUM
afbr-919	13	15	,	,	PUNCT
afbr-919	13	16	the	the	DET
afbr-919	13	17	rbi	rbi	NOUN
afbr-919	13	18	announced	announce	VERB
afbr-919	13	19	a	a	DET
afbr-919	13	20	moratorium	moratorium	NOUN
afbr-919	13	21	on	on	ADP
afbr-919	13	22	loans	loan	NOUN
afbr-919	13	23	by	by	ADP
afbr-919	13	24	financial	financial	ADJ
afbr-919	13	25	institutions	institution	NOUN
afbr-919	13	26	in	in	ADP
afbr-919	13	27	response	response	NOUN
afbr-919	13	28	to	to	ADP
afbr-919	13	29	the	the	DET
afbr-919	13	30	countrywide	countrywide	NOUN
afbr-919	13	31	lockdown	lockdown	NOUN
afbr-919	13	32	declared	declare	VERB
afbr-919	13	33	on	on	ADP
afbr-919	13	34	23rd	23rd	ADJ
afbr-919	13	35	march	march	NOUN
afbr-919	13	36	2020	2020	NUM
afbr-919	13	37	which	which	PRON
afbr-919	13	38	had	have	VERB
afbr-919	13	39	a	a	DET
afbr-919	13	40	triggering	trigger	VERB
afbr-919	13	41	effect	effect	NOUN
afbr-919	13	42	on	on	ADP
afbr-919	13	43	the	the	DET
afbr-919	13	44	financial	financial	ADJ
afbr-919	13	45	condition	condition	NOUN
afbr-919	13	46	of	of	ADP
afbr-919	13	47	the	the	DET
afbr-919	13	48	people	people	NOUN
afbr-919	13	49	of	of	ADP
afbr-919	13	50	the	the	DET
afbr-919	13	51	country	country	NOUN
afbr-919	13	52	.	.	PUNCT
afbr-919	14	1	a	a	DET
afbr-919	14	2	moratorium	moratorium	NOUN
afbr-919	14	3	is	be	AUX
afbr-919	14	4	a	a	DET
afbr-919	14	5	temporary	temporary	ADJ
afbr-919	14	6	suspension	suspension	NOUN
afbr-919	14	7	or	or	CCONJ
afbr-919	14	8	deferring	deferring	NOUN
afbr-919	14	9	of	of	ADP
afbr-919	14	10	activity	activity	NOUN
afbr-919	14	11	until	until	SCONJ
afbr-919	14	12	further	further	ADJ
afbr-919	14	13	consideration	consideration	NOUN
afbr-919	14	14	calls	call	VERB
afbr-919	14	15	for	for	ADP
afbr-919	14	16	a	a	DET
afbr-919	14	17	lift	lift	NOUN
afbr-919	14	18	on	on	ADP
afbr-919	14	19	the	the	DET
afbr-919	14	20	suspension	suspension	NOUN
afbr-919	14	21	,	,	PUNCT
afbr-919	14	22	or	or	CCONJ
afbr-919	14	23	till	till	SCONJ
afbr-919	14	24	the	the	DET
afbr-919	14	25	time	time	NOUN
afbr-919	14	26	the	the	DET
afbr-919	14	27	issues	issue	NOUN
afbr-919	14	28	that	that	PRON
afbr-919	14	29	led	lead	VERB
afbr-919	14	30	to	to	ADP
afbr-919	14	31	the	the	DET
afbr-919	14	32	moratorium	moratorium	NOUN
afbr-919	14	33	are	be	AUX
afbr-919	14	34	resolved	resolve	VERB
afbr-919	14	35	.	.	PUNCT
afbr-919	15	1	moratoriums	moratorium	NOUN
afbr-919	15	2	may	may	AUX
afbr-919	15	3	be	be	AUX
afbr-919	15	4	imposed	impose	VERB
afbr-919	15	5	by	by	ADP
afbr-919	15	6	regulators	regulator	NOUN
afbr-919	15	7	,	,	PUNCT
afbr-919	15	8	by	by	ADP
afbr-919	15	9	a	a	DET
afbr-919	15	10	business	business	NOUN
afbr-919	15	11	,	,	PUNCT
afbr-919	15	12	or	or	CCONJ
afbr-919	15	13	by	by	ADP
afbr-919	15	14	the	the	DET
afbr-919	15	15	government	government	NOUN
afbr-919	15	16	.	.	PUNCT
afbr-919	16	1	a	a	DET
afbr-919	16	2	moratorium	moratorium	NOUN
afbr-919	16	3	is	be	AUX
afbr-919	16	4	often	often	ADV
afbr-919	16	5	ordered	order	VERB
afbr-919	16	6	in	in	ADP
afbr-919	16	7	response	response	NOUN
afbr-919	16	8	to	to	ADP
afbr-919	16	9	situations	situation	NOUN
afbr-919	16	10	of	of	ADP
afbr-919	16	11	crisis	crisis	NOUN
afbr-919	16	12	.	.	PUNCT
afbr-919	17	1	for	for	ADP
afbr-919	17	2	example	example	NOUN
afbr-919	17	3	,	,	PUNCT
afbr-919	17	4	in	in	ADP
afbr-919	17	5	the	the	DET
afbr-919	17	6	aftermath	aftermath	NOUN
afbr-919	17	7	of	of	ADP
afbr-919	17	8	floods	flood	NOUN
afbr-919	17	9	,	,	PUNCT
afbr-919	17	10	earthquakes	earthquake	NOUN
afbr-919	17	11	,	,	PUNCT
afbr-919	17	12	droughts	drought	NOUN
afbr-919	17	13	,	,	PUNCT
afbr-919	17	14	disease	disease	NOUN
afbr-919	17	15	outbreaks	outbreak	NOUN
afbr-919	17	16	,	,	PUNCT
afbr-919	17	17	a	a	DET
afbr-919	17	18	moratorium	moratorium	NOUN
afbr-919	17	19	may	may	AUX
afbr-919	17	20	be	be	AUX
afbr-919	17	21	granted	grant	VERB
afbr-919	17	22	on	on	ADP
afbr-919	17	23	some	some	DET
afbr-919	17	24	financial	financial	ADJ
afbr-919	17	25	activities	activity	NOUN
afbr-919	17	26	by	by	ADP
afbr-919	17	27	the	the	DET
afbr-919	17	28	central	central	ADJ
afbr-919	17	29	bank	bank	NOUN
afbr-919	17	30	or	or	CCONJ
afbr-919	17	31	the	the	DET
afbr-919	17	32	government	government	NOUN
afbr-919	17	33	.	.	PUNCT
afbr-919	18	1	a	a	DET
afbr-919	18	2	moratorium	moratorium	NOUN
afbr-919	18	3	period	period	NOUN
afbr-919	18	4	is	be	AUX
afbr-919	18	5	a	a	DET
afbr-919	18	6	time	time	NOUN
afbr-919	18	7	during	during	ADP
afbr-919	18	8	a	a	DET
afbr-919	18	9	loan	loan	NOUN
afbr-919	18	10	term	term	NOUN
afbr-919	18	11	when	when	SCONJ
afbr-919	18	12	the	the	DET
afbr-919	18	13	borrower	borrower	NOUN
afbr-919	18	14	does	do	AUX
afbr-919	18	15	not	not	PART
afbr-919	18	16	need	need	VERB
afbr-919	18	17	to	to	PART
afbr-919	18	18	make	make	VERB
afbr-919	18	19	any	any	DET
afbr-919	18	20	payments	payment	NOUN
afbr-919	18	21	towards	towards	ADP
afbr-919	18	22	the	the	DET
afbr-919	18	23	loan	loan	NOUN
afbr-919	18	24	.	.	PUNCT
afbr-919	19	1	a	a	DET
afbr-919	19	2	moratorium	moratorium	NOUN
afbr-919	19	3	is	be	AUX
afbr-919	19	4	only	only	ADV
afbr-919	19	5	a	a	DET
afbr-919	19	6	deferment	deferment	NOUN
afbr-919	19	7	of	of	ADP
afbr-919	19	8	payment	payment	NOUN
afbr-919	19	9	and	and	CCONJ
afbr-919	19	10	is	be	AUX
afbr-919	19	11	different	different	ADJ
afbr-919	19	12	from	from	ADP
afbr-919	19	13	a	a	DET
afbr-919	19	14	waiver	waiver	NOUN
afbr-919	19	15	.	.	PUNCT
afbr-919	20	1	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	20	2	australian	australian	ADJ
afbr-919	20	3	finance	finance	NOUN
afbr-919	20	4	&	&	CCONJ
afbr-919	20	5	banking	banking	PROPN
afbr-919	20	6	review	review	PROPN
afbr-919	20	7	vol	vol	NOUN
afbr-919	20	8	.	.	PROPN
afbr-919	21	1	4	4	NUM
afbr-919	21	2	,	,	PUNCT
afbr-919	21	3	no	no	INTJ
afbr-919	21	4	.	.	NOUN
afbr-919	21	5	2	2	NUM
afbr-919	21	6	;	;	PUNCT
afbr-919	21	7	2020	2020	NUM
afbr-919	21	8	2	2	NUM
afbr-919	21	9	moratoriums	moratorium	NOUN
afbr-919	21	10	are	be	AUX
afbr-919	21	11	not	not	PART
afbr-919	21	12	new	new	ADJ
afbr-919	21	13	to	to	ADP
afbr-919	21	14	the	the	DET
afbr-919	21	15	indian	indian	ADJ
afbr-919	21	16	banking	banking	NOUN
afbr-919	21	17	sector	sector	NOUN
afbr-919	21	18	and	and	CCONJ
afbr-919	21	19	have	have	AUX
afbr-919	21	20	been	be	AUX
afbr-919	21	21	granted	grant	VERB
afbr-919	21	22	in	in	ADP
afbr-919	21	23	multiple	multiple	ADJ
afbr-919	21	24	instances	instance	NOUN
afbr-919	21	25	in	in	ADP
afbr-919	21	26	the	the	DET
afbr-919	21	27	last	last	ADJ
afbr-919	21	28	20	20	NUM
afbr-919	21	29	years	year	NOUN
afbr-919	21	30	.	.	PUNCT
afbr-919	22	1	since	since	SCONJ
afbr-919	22	2	1999	1999	NUM
afbr-919	22	3	,	,	PUNCT
afbr-919	22	4	moratoriums	moratorium	NOUN
afbr-919	22	5	have	have	AUX
afbr-919	22	6	also	also	ADV
afbr-919	22	7	been	be	AUX
afbr-919	22	8	imposed	impose	VERB
afbr-919	22	9	on	on	ADP
afbr-919	22	10	yes	yes	DET
afbr-919	22	11	bank	bank	NOUN
afbr-919	22	12	,	,	PUNCT
afbr-919	22	13	global	global	PROPN
afbr-919	22	14	trust	trust	PROPN
afbr-919	22	15	bank	bank	PROPN
afbr-919	22	16	,	,	PUNCT
afbr-919	22	17	united	united	PROPN
afbr-919	22	18	western	western	PROPN
afbr-919	22	19	bank	bank	PROPN
afbr-919	22	20	ltd	ltd	PROPN
afbr-919	22	21	.	.	PROPN
afbr-919	22	22	,	,	PUNCT
afbr-919	22	23	sikkim	sikkim	PROPN
afbr-919	22	24	bank	bank	PROPN
afbr-919	22	25	ltd	ltd	PROPN
afbr-919	22	26	.	.	PROPN
afbr-919	22	27	,	,	PUNCT
afbr-919	22	28	bareilly	bareilly	PROPN
afbr-919	22	29	corporation	corporation	PROPN
afbr-919	22	30	bank	bank	PROPN
afbr-919	22	31	ltd	ltd	PROPN
afbr-919	22	32	.	.	PROPN
afbr-919	22	33	,	,	PUNCT
afbr-919	22	34	south	south	PROPN
afbr-919	22	35	gujarat	gujarat	PROPN
afbr-919	22	36	local	local	PROPN
afbr-919	22	37	area	area	PROPN
afbr-919	22	38	bank	bank	PROPN
afbr-919	22	39	ltd	ltd	PROPN
afbr-919	22	40	.	.	PROPN
afbr-919	22	41	,	,	PUNCT
afbr-919	22	42	benares	benare	VERB
afbr-919	22	43	state	state	PROPN
afbr-919	22	44	bank	bank	PROPN
afbr-919	22	45	ltd	ltd	PROPN
afbr-919	22	46	.	.	PROPN
afbr-919	22	47	,	,	PUNCT
afbr-919	22	48	nedungadi	nedungadi	PROPN
afbr-919	22	49	bank	bank	PROPN
afbr-919	22	50	,	,	PUNCT
afbr-919	22	51	and	and	CCONJ
afbr-919	22	52	ganesh	ganesh	PROPN
afbr-919	22	53	bank	bank	PROPN
afbr-919	22	54	of	of	ADP
afbr-919	22	55	kurundwad	kurundwad	PROPN
afbr-919	22	56	ltd	ltd	PROPN
afbr-919	22	57	.	.	PROPN
afbr-919	22	58	for	for	ADP
afbr-919	22	59	numerous	numerous	ADJ
afbr-919	22	60	reasons	reason	NOUN
afbr-919	22	61	.	.	PUNCT
afbr-919	23	1	the	the	DET
afbr-919	23	2	focus	focus	NOUN
afbr-919	23	3	of	of	ADP
afbr-919	23	4	this	this	DET
afbr-919	23	5	paper	paper	NOUN
afbr-919	23	6	is	be	AUX
afbr-919	23	7	the	the	DET
afbr-919	23	8	six	six	NUM
afbr-919	23	9	-	-	PUNCT
afbr-919	23	10	month	month	NOUN
afbr-919	23	11	moratorium	moratorium	NOUN
afbr-919	23	12	offered	offer	VERB
afbr-919	23	13	by	by	ADP
afbr-919	23	14	the	the	DET
afbr-919	23	15	reserve	reserve	PROPN
afbr-919	23	16	bank	bank	PROPN
afbr-919	23	17	of	of	ADP
afbr-919	23	18	india	india	PROPN
afbr-919	23	19	(	(	PUNCT
afbr-919	23	20	rbi	rbi	PROPN
afbr-919	23	21	)	)	PUNCT
afbr-919	23	22	between	between	ADP
afbr-919	23	23	march	march	PROPN
afbr-919	23	24	1	1	NUM
afbr-919	23	25	,	,	PUNCT
afbr-919	23	26	2020	2020	NUM
afbr-919	23	27	,	,	PUNCT
afbr-919	23	28	and	and	CCONJ
afbr-919	23	29	august	august	PROPN
afbr-919	23	30	31	31	NUM
afbr-919	23	31	,	,	PUNCT
afbr-919	23	32	2020	2020	NUM
afbr-919	23	33	,	,	PUNCT
afbr-919	23	34	on	on	ADP
afbr-919	23	35	all	all	DET
afbr-919	23	36	loan	loan	NOUN
afbr-919	23	37	equated	equate	VERB
afbr-919	23	38	monthly	monthly	ADJ
afbr-919	23	39	instalments	instalment	NOUN
afbr-919	23	40	(	(	PUNCT
afbr-919	23	41	emis	emis	NOUN
afbr-919	23	42	)	)	PUNCT
afbr-919	23	43	to	to	PART
afbr-919	23	44	help	help	VERB
afbr-919	23	45	lessen	lessen	VERB
afbr-919	23	46	the	the	DET
afbr-919	23	47	troubles	trouble	NOUN
afbr-919	23	48	faced	face	VERB
afbr-919	23	49	by	by	ADP
afbr-919	23	50	borrowers	borrower	NOUN
afbr-919	23	51	due	due	ADP
afbr-919	23	52	to	to	ADP
afbr-919	23	53	the	the	DET
afbr-919	23	54	covid-19	covid-19	PROPN
afbr-919	23	55	pandemic	pandemic	NOUN
afbr-919	23	56	.	.	PUNCT
afbr-919	24	1	for	for	ADP
afbr-919	24	2	this	this	DET
afbr-919	24	3	purpose	purpose	NOUN
afbr-919	24	4	,	,	PUNCT
afbr-919	24	5	all	all	DET
afbr-919	24	6	co	co	ADJ
afbr-919	24	7	-	-	ADJ
afbr-919	24	8	operative	operative	ADJ
afbr-919	24	9	banks	bank	NOUN
afbr-919	24	10	,	,	PUNCT
afbr-919	24	11	commercial	commercial	ADJ
afbr-919	24	12	banks	bank	NOUN
afbr-919	24	13	,	,	PUNCT
afbr-919	24	14	all	all	DET
afbr-919	24	15	-	-	PUNCT
afbr-919	24	16	india	india	PROPN
afbr-919	24	17	financial	financial	ADJ
afbr-919	24	18	institutions	institution	NOUN
afbr-919	24	19	,	,	PUNCT
afbr-919	24	20	and	and	CCONJ
afbr-919	24	21	nbfcs	nbfc	NOUN
afbr-919	24	22	were	be	AUX
afbr-919	24	23	allowed	allow	VERB
afbr-919	24	24	to	to	PART
afbr-919	24	25	grant	grant	VERB
afbr-919	24	26	a	a	DET
afbr-919	24	27	moratorium	moratorium	NOUN
afbr-919	24	28	of	of	ADP
afbr-919	24	29	three	three	NUM
afbr-919	24	30	months	month	NOUN
afbr-919	24	31	for	for	ADP
afbr-919	24	32	all	all	DET
afbr-919	24	33	term	term	NOUN
afbr-919	24	34	loans	loan	NOUN
afbr-919	24	35	on	on	ADP
afbr-919	24	36	payment	payment	NOUN
afbr-919	24	37	of	of	ADP
afbr-919	24	38	all	all	DET
afbr-919	24	39	the	the	DET
afbr-919	24	40	instalments	instalment	NOUN
afbr-919	24	41	that	that	PRON
afbr-919	24	42	fell	fall	VERB
afbr-919	24	43	between	between	ADP
afbr-919	24	44	the	the	DET
afbr-919	24	45	period	period	NOUN
afbr-919	24	46	.	.	PUNCT
afbr-919	25	1	the	the	DET
afbr-919	25	2	period	period	NOUN
afbr-919	25	3	was	be	AUX
afbr-919	25	4	however	however	ADV
afbr-919	25	5	extended	extend	VERB
afbr-919	25	6	by	by	ADP
afbr-919	25	7	three	three	NUM
afbr-919	25	8	additional	additional	ADJ
afbr-919	25	9	months	month	NOUN
afbr-919	25	10	,	,	PUNCT
afbr-919	25	11	up	up	ADP
afbr-919	25	12	to	to	ADP
afbr-919	25	13	august	august	PROPN
afbr-919	25	14	31	31	NUM
afbr-919	25	15	,	,	PUNCT
afbr-919	25	16	2020	2020	NUM
afbr-919	25	17	.	.	PUNCT
afbr-919	26	1	objectives	objective	NOUN
afbr-919	26	2	this	this	DET
afbr-919	26	3	paper	paper	NOUN
afbr-919	26	4	focuses	focus	VERB
afbr-919	26	5	on	on	ADP
afbr-919	26	6	assessing	assess	VERB
afbr-919	26	7	and	and	CCONJ
afbr-919	26	8	predicting	predict	VERB
afbr-919	26	9	the	the	DET
afbr-919	26	10	impact	impact	NOUN
afbr-919	26	11	of	of	ADP
afbr-919	26	12	the	the	DET
afbr-919	26	13	past	past	NOUN
afbr-919	26	14	and	and	CCONJ
afbr-919	26	15	recent	recent	ADJ
afbr-919	26	16	(	(	PUNCT
afbr-919	26	17	moratorium	moratorium	NOUN
afbr-919	26	18	2020	2020	NUM
afbr-919	26	19	)	)	PUNCT
afbr-919	27	1	rbi	rbi	NOUN
afbr-919	27	2	moratorium	moratorium	NOUN
afbr-919	27	3	on	on	ADP
afbr-919	27	4	the	the	DET
afbr-919	27	5	banking	banking	NOUN
afbr-919	27	6	sector	sector	NOUN
afbr-919	27	7	in	in	ADP
afbr-919	27	8	india	india	PROPN
afbr-919	27	9	,	,	PUNCT
afbr-919	27	10	with	with	ADP
afbr-919	27	11	the	the	DET
afbr-919	27	12	objectives	objective	NOUN
afbr-919	27	13	:	:	PUNCT
afbr-919	27	14	●	●	PUNCT
afbr-919	27	15	understanding	understand	VERB
afbr-919	27	16	the	the	DET
afbr-919	27	17	2020	2020	NUM
afbr-919	27	18	moratorium	moratorium	NOUN
afbr-919	27	19	announced	announce	VERB
afbr-919	27	20	by	by	ADP
afbr-919	27	21	rbi	rbi	VERB
afbr-919	27	22	●	●	NUM
afbr-919	27	23	evaluating	evaluating	NOUN
afbr-919	27	24	and	and	CCONJ
afbr-919	27	25	predicting	predict	VERB
afbr-919	27	26	the	the	DET
afbr-919	27	27	impact	impact	NOUN
afbr-919	27	28	of	of	ADP
afbr-919	27	29	the	the	DET
afbr-919	27	30	moratorium	moratorium	NOUN
afbr-919	27	31	on	on	ADP
afbr-919	27	32	the	the	DET
afbr-919	27	33	banking	banking	NOUN
afbr-919	27	34	sector	sector	NOUN
afbr-919	27	35	in	in	ADP
afbr-919	27	36	india	india	PROPN
afbr-919	27	37	(	(	PUNCT
afbr-919	27	38	in	in	ADP
afbr-919	27	39	terms	term	NOUN
afbr-919	27	40	of	of	ADP
afbr-919	27	41	npas	npa	NOUN
afbr-919	27	42	,	,	PUNCT
afbr-919	27	43	crar	crar	NOUN
afbr-919	27	44	,	,	PUNCT
afbr-919	27	45	bank	bank	NOUN
afbr-919	27	46	credit	credit	NOUN
afbr-919	27	47	,	,	PUNCT
afbr-919	27	48	and	and	CCONJ
afbr-919	27	49	the	the	DET
afbr-919	27	50	profitability	profitability	NOUN
afbr-919	27	51	ratios	ratio	NOUN
afbr-919	27	52	)	)	PUNCT
afbr-919	27	53	.	.	PUNCT
afbr-919	28	1	●	●	PUNCT
afbr-919	28	2	analysing	analyse	VERB
afbr-919	28	3	the	the	DET
afbr-919	28	4	implications	implication	NOUN
afbr-919	28	5	of	of	ADP
afbr-919	28	6	the	the	DET
afbr-919	28	7	interest	interest	NOUN
afbr-919	28	8	on	on	ADP
afbr-919	28	9	interest	interest	NOUN
afbr-919	28	10	waiver	waiver	NOUN
afbr-919	28	11	granted	grant	VERB
afbr-919	28	12	and	and	CCONJ
afbr-919	28	13	the	the	DET
afbr-919	28	14	effects	effect	NOUN
afbr-919	28	15	of	of	ADP
afbr-919	28	16	a	a	DET
afbr-919	28	17	complete	complete	ADJ
afbr-919	28	18	waiver	waiver	NOUN
afbr-919	28	19	of	of	ADP
afbr-919	28	20	interest	interest	NOUN
afbr-919	28	21	.	.	PUNCT
afbr-919	29	1	●	●	PUNCT
afbr-919	29	2	understanding	understand	VERB
afbr-919	29	3	the	the	DET
afbr-919	29	4	instances	instance	NOUN
afbr-919	29	5	of	of	ADP
afbr-919	29	6	moratoriums	moratorium	NOUN
afbr-919	29	7	around	around	ADP
afbr-919	29	8	the	the	DET
afbr-919	29	9	world	world	NOUN
afbr-919	29	10	,	,	PUNCT
afbr-919	29	11	in	in	ADP
afbr-919	29	12	particular	particular	ADJ
afbr-919	29	13	,	,	PUNCT
afbr-919	29	14	the	the	DET
afbr-919	29	15	usa	usa	PROPN
afbr-919	29	16	,	,	PUNCT
afbr-919	29	17	greece	greece	PROPN
afbr-919	29	18	,	,	PUNCT
afbr-919	29	19	and	and	CCONJ
afbr-919	29	20	thailand	thailand	PROPN
afbr-919	29	21	literature	literature	PROPN
afbr-919	29	22	survey	survey	PROPN
afbr-919	29	23	imai	imai	PROPN
afbr-919	29	24	(	(	PUNCT
afbr-919	29	25	2016	2016	NUM
afbr-919	29	26	)	)	PUNCT
afbr-919	29	27	stated	state	VERB
afbr-919	29	28	that	that	SCONJ
afbr-919	29	29	,	,	PUNCT
afbr-919	29	30	technically	technically	ADV
afbr-919	29	31	,	,	PUNCT
afbr-919	29	32	the	the	DET
afbr-919	29	33	japanese	japanese	ADJ
afbr-919	29	34	debt	debt	NOUN
afbr-919	29	35	moratorium	moratorium	NOUN
afbr-919	29	36	legislation	legislation	NOUN
afbr-919	29	37	could	could	AUX
afbr-919	29	38	have	have	AUX
afbr-919	29	39	mitigated	mitigate	VERB
afbr-919	29	40	the	the	DET
afbr-919	29	41	credit	credit	NOUN
afbr-919	29	42	crisis	crisis	NOUN
afbr-919	29	43	for	for	ADP
afbr-919	29	44	small	small	ADJ
afbr-919	29	45	and	and	CCONJ
afbr-919	29	46	medium	medium	ADJ
afbr-919	29	47	-	-	PUNCT
afbr-919	29	48	sized	sized	ADJ
afbr-919	29	49	businesses	business	NOUN
afbr-919	29	50	,	,	PUNCT
afbr-919	29	51	but	but	CCONJ
afbr-919	29	52	it	it	PRON
afbr-919	29	53	became	become	VERB
afbr-919	29	54	more	more	ADV
afbr-919	29	55	difficult	difficult	ADJ
afbr-919	29	56	to	to	PART
afbr-919	29	57	determine	determine	VERB
afbr-919	29	58	the	the	DET
afbr-919	29	59	extent	extent	NOUN
afbr-919	29	60	of	of	ADP
afbr-919	29	61	the	the	DET
afbr-919	29	62	financial	financial	ADJ
afbr-919	29	63	troubles	trouble	NOUN
afbr-919	29	64	in	in	ADP
afbr-919	29	65	small	small	ADJ
afbr-919	29	66	banks	bank	NOUN
afbr-919	29	67	.	.	PUNCT
afbr-919	30	1	it	it	PRON
afbr-919	30	2	undermined	undermine	VERB
afbr-919	30	3	market	market	NOUN
afbr-919	30	4	discipline	discipline	NOUN
afbr-919	30	5	and	and	CCONJ
afbr-919	30	6	encouraged	encourage	VERB
afbr-919	30	7	moral	moral	ADJ
afbr-919	30	8	hazard	hazard	NOUN
afbr-919	30	9	problems	problem	NOUN
afbr-919	30	10	.	.	PUNCT
afbr-919	31	1	further	far	ADV
afbr-919	31	2	,	,	PUNCT
afbr-919	31	3	it	it	PRON
afbr-919	31	4	set	set	VERB
afbr-919	31	5	up	up	ADP
afbr-919	31	6	a	a	DET
afbr-919	31	7	financial	financial	ADJ
afbr-919	31	8	system	system	NOUN
afbr-919	31	9	in	in	ADP
afbr-919	31	10	which	which	PRON
afbr-919	31	11	zombie	zombie	NOUN
afbr-919	31	12	companies	company	NOUN
afbr-919	31	13	appear	appear	VERB
afbr-919	31	14	to	to	PART
afbr-919	31	15	flourish	flourish	VERB
afbr-919	31	16	,	,	PUNCT
afbr-919	31	17	much	much	ADV
afbr-919	31	18	as	as	SCONJ
afbr-919	31	19	the	the	DET
afbr-919	31	20	strategy	strategy	NOUN
afbr-919	31	21	of	of	ADP
afbr-919	31	22	forbearance	forbearance	NOUN
afbr-919	31	23	did	do	VERB
afbr-919	31	24	in	in	ADP
afbr-919	31	25	the	the	DET
afbr-919	31	26	1990s	1990s	NUM
afbr-919	31	27	.	.	PUNCT
afbr-919	32	1	this	this	PRON
afbr-919	32	2	has	have	AUX
afbr-919	32	3	also	also	ADV
afbr-919	32	4	contributed	contribute	VERB
afbr-919	32	5	to	to	PART
afbr-919	32	6	slow	slow	VERB
afbr-919	32	7	productivity	productivity	NOUN
afbr-919	32	8	growth	growth	NOUN
afbr-919	32	9	in	in	ADP
afbr-919	32	10	japan	japan	PROPN
afbr-919	32	11	.	.	PUNCT
afbr-919	33	1	also	also	ADV
afbr-919	33	2	,	,	PUNCT
afbr-919	33	3	it	it	PRON
afbr-919	33	4	indicated	indicate	VERB
afbr-919	33	5	to	to	ADP
afbr-919	33	6	financial	financial	ADJ
afbr-919	33	7	markets	market	NOUN
afbr-919	33	8	that	that	SCONJ
afbr-919	33	9	the	the	DET
afbr-919	33	10	political	political	ADJ
afbr-919	33	11	pressures	pressure	NOUN
afbr-919	33	12	to	to	PART
afbr-919	33	13	bail	bail	VERB
afbr-919	33	14	out	out	ADP
afbr-919	33	15	zombie	zombie	NOUN
afbr-919	33	16	businesses	business	NOUN
afbr-919	33	17	remained	remain	VERB
afbr-919	33	18	strong	strong	ADJ
afbr-919	33	19	in	in	ADP
afbr-919	33	20	japan	japan	PROPN
afbr-919	33	21	.	.	PUNCT
afbr-919	34	1	as	as	ADP
afbr-919	34	2	a	a	DET
afbr-919	34	3	result	result	NOUN
afbr-919	34	4	,	,	PUNCT
afbr-919	34	5	japan	japan	PROPN
afbr-919	34	6	's	's	PART
afbr-919	34	7	response	response	NOUN
afbr-919	34	8	to	to	ADP
afbr-919	34	9	the	the	DET
afbr-919	34	10	financial	financial	ADJ
afbr-919	34	11	crisis	crisis	NOUN
afbr-919	34	12	in	in	ADP
afbr-919	34	13	the	the	DET
afbr-919	34	14	form	form	NOUN
afbr-919	34	15	of	of	ADP
afbr-919	34	16	the	the	DET
afbr-919	34	17	debt	debt	NOUN
afbr-919	34	18	moratorium	moratorium	NOUN
afbr-919	34	19	was	be	AUX
afbr-919	34	20	generally	generally	ADV
afbr-919	34	21	viewed	view	VERB
afbr-919	34	22	as	as	ADP
afbr-919	34	23	a	a	DET
afbr-919	34	24	failure	failure	NOUN
afbr-919	34	25	.	.	PUNCT
afbr-919	35	1	arito	arito	ADJ
afbr-919	35	2	(	(	PUNCT
afbr-919	35	3	2017	2017	NUM
afbr-919	35	4	)	)	PUNCT
afbr-919	35	5	examined	examine	VERB
afbr-919	35	6	the	the	DET
afbr-919	35	7	effect	effect	NOUN
afbr-919	35	8	of	of	ADP
afbr-919	35	9	japan	japan	PROPN
afbr-919	35	10	's	's	PART
afbr-919	35	11	debt	debt	NOUN
afbr-919	35	12	forbearance	forbearance	NOUN
afbr-919	35	13	policies	policy	NOUN
afbr-919	35	14	on	on	ADP
afbr-919	35	15	small	small	ADJ
afbr-919	35	16	and	and	CCONJ
afbr-919	35	17	medium	medium	ADJ
afbr-919	35	18	-	-	PUNCT
afbr-919	35	19	sized	sized	ADJ
afbr-919	35	20	enterprises	enterprise	NOUN
afbr-919	35	21	(	(	PUNCT
afbr-919	35	22	smes	sme	NOUN
afbr-919	35	23	)	)	PUNCT
afbr-919	35	24	as	as	SCONJ
afbr-919	35	25	set	set	VERB
afbr-919	35	26	out	out	ADP
afbr-919	35	27	by	by	ADP
afbr-919	35	28	the	the	DET
afbr-919	35	29	"	"	PUNCT
afbr-919	35	30	act	act	NOUN
afbr-919	35	31	on	on	ADP
afbr-919	35	32	temporary	temporary	ADJ
afbr-919	35	33	steps	step	NOUN
afbr-919	35	34	to	to	PART
afbr-919	35	35	promote	promote	VERB
afbr-919	35	36	funding	funding	NOUN
afbr-919	35	37	for	for	ADP
afbr-919	35	38	small	small	ADJ
afbr-919	35	39	and	and	CCONJ
afbr-919	35	40	medium	medium	ADJ
afbr-919	35	41	-	-	PUNCT
afbr-919	35	42	sized	sized	ADJ
afbr-919	35	43	enterprises	enterprise	NOUN
afbr-919	35	44	.	.	PUNCT
afbr-919	35	45	"	"	PUNCT
afbr-919	36	1	using	use	VERB
afbr-919	36	2	specific	specific	ADJ
afbr-919	36	3	japanese	japanese	ADJ
afbr-919	36	4	company	company	NOUN
afbr-919	36	5	survey	survey	NOUN
afbr-919	36	6	results	result	NOUN
afbr-919	36	7	,	,	PUNCT
afbr-919	36	8	that	that	PRON
afbr-919	36	9	had	have	AUX
afbr-919	36	10	received	receive	VERB
afbr-919	36	11	"	"	PUNCT
afbr-919	36	12	financing	financing	NOUN
afbr-919	36	13	"	"	PUNCT
afbr-919	36	14	(	(	PUNCT
afbr-919	36	15	e.g.	e.g.	ADV
afbr-919	36	16	by	by	ADP
afbr-919	36	17	deferring	defer	VERB
afbr-919	36	18	repayments	repayment	NOUN
afbr-919	36	19	)	)	PUNCT
afbr-919	36	20	and	and	CCONJ
afbr-919	36	21	firms	firm	NOUN
afbr-919	36	22	that	that	PRON
afbr-919	36	23	had	have	AUX
afbr-919	36	24	received	receive	VERB
afbr-919	36	25	"	"	PUNCT
afbr-919	36	26	debt	debt	NOUN
afbr-919	36	27	forgiveness	forgiveness	NOUN
afbr-919	36	28	"	"	PUNCT
afbr-919	36	29	(	(	PUNCT
afbr-919	36	30	e.g.	e.g.	ADV
afbr-919	36	31	through	through	ADP
afbr-919	36	32	reduced	reduced	ADJ
afbr-919	36	33	interest	interest	NOUN
afbr-919	36	34	and/or	and/or	CCONJ
afbr-919	36	35	principal	principal	NOUN
afbr-919	36	36	)	)	PUNCT
afbr-919	36	37	,	,	PUNCT
afbr-919	36	38	the	the	DET
afbr-919	36	39	paper	paper	NOUN
afbr-919	36	40	analysed	analyse	VERB
afbr-919	36	41	the	the	DET
afbr-919	36	42	determinants	determinant	NOUN
afbr-919	36	43	and	and	CCONJ
afbr-919	36	44	effects	effect	NOUN
afbr-919	36	45	of	of	ADP
afbr-919	36	46	debt	debt	NOUN
afbr-919	36	47	forbearance	forbearance	NOUN
afbr-919	36	48	.	.	PUNCT
afbr-919	37	1	they	they	PRON
afbr-919	37	2	found	find	VERB
afbr-919	37	3	that	that	SCONJ
afbr-919	37	4	banks	bank	NOUN
afbr-919	37	5	prefer	prefer	VERB
afbr-919	37	6	debt	debt	NOUN
afbr-919	37	7	redemption	redemption	NOUN
afbr-919	37	8	for	for	ADP
afbr-919	37	9	companies	company	NOUN
afbr-919	37	10	that	that	PRON
afbr-919	37	11	are	be	AUX
afbr-919	37	12	more	more	ADV
afbr-919	37	13	profitable	profitable	ADJ
afbr-919	37	14	and	and	CCONJ
afbr-919	37	15	creditworthy	creditworthy	ADJ
afbr-919	37	16	,	,	PUNCT
afbr-919	37	17	which	which	PRON
afbr-919	37	18	was	be	AUX
afbr-919	37	19	found	find	VERB
afbr-919	37	20	to	to	PART
afbr-919	37	21	be	be	AUX
afbr-919	37	22	consistent	consistent	ADJ
afbr-919	37	23	with	with	ADP
afbr-919	37	24	the	the	DET
afbr-919	37	25	debt	debt	NOUN
afbr-919	37	26	overhang	overhang	NOUN
afbr-919	37	27	theory	theory	NOUN
afbr-919	37	28	.	.	PUNCT
afbr-919	38	1	mukherjee	mukherjee	PROPN
afbr-919	38	2	,	,	PUNCT
afbr-919	38	3	subramanian	subramanian	PROPN
afbr-919	38	4	,	,	PUNCT
afbr-919	38	5	and	and	CCONJ
afbr-919	38	6	tantri	tantri	ADJ
afbr-919	38	7	(	(	PUNCT
afbr-919	38	8	2014	2014	NUM
afbr-919	38	9	)	)	PUNCT
afbr-919	38	10	offered	offer	VERB
afbr-919	38	11	proof	proof	NOUN
afbr-919	38	12	of	of	ADP
afbr-919	38	13	both	both	CCONJ
afbr-919	38	14	the	the	DET
afbr-919	38	15	drawbacks	drawback	NOUN
afbr-919	38	16	and	and	CCONJ
afbr-919	38	17	benefits	benefit	NOUN
afbr-919	38	18	of	of	ADP
afbr-919	38	19	the	the	DET
afbr-919	38	20	debt	debt	NOUN
afbr-919	38	21	moratorium	moratorium	NOUN
afbr-919	38	22	under	under	ADP
afbr-919	38	23	the	the	DET
afbr-919	38	24	2008	2008	NUM
afbr-919	38	25	indian	indian	ADJ
afbr-919	38	26	debt	debt	NOUN
afbr-919	38	27	waiver	waiver	NOUN
afbr-919	38	28	program	program	NOUN
afbr-919	38	29	.	.	PUNCT
afbr-919	39	1	they	they	PRON
afbr-919	39	2	use	use	VERB
afbr-919	39	3	data	datum	NOUN
afbr-919	39	4	of	of	ADP
afbr-919	39	5	the	the	DET
afbr-919	39	6	loan	loan	NOUN
afbr-919	39	7	account	account	NOUN
afbr-919	39	8	of	of	ADP
afbr-919	39	9	agricultural	agricultural	ADJ
afbr-919	39	10	borrowers	borrower	NOUN
afbr-919	39	11	and	and	CCONJ
afbr-919	39	12	exploit	exploit	VERB
afbr-919	39	13	the	the	DET
afbr-919	39	14	exogenous	exogenous	ADJ
afbr-919	39	15	rainfall	rainfall	NOUN
afbr-919	39	16	fluctuations	fluctuation	NOUN
afbr-919	39	17	for	for	ADP
afbr-919	39	18	dividing	divide	VERB
afbr-919	39	19	beneficiaries	beneficiary	NOUN
afbr-919	39	20	into	into	ADP
afbr-919	39	21	non	non	ADJ
afbr-919	39	22	-	-	ADJ
afbr-919	39	23	distressed	distressed	ADJ
afbr-919	39	24	and	and	CCONJ
afbr-919	39	25	distressed	distressed	ADJ
afbr-919	39	26	borrowers	borrower	NOUN
afbr-919	39	27	.	.	PUNCT
afbr-919	40	1	by	by	ADP
afbr-919	40	2	alleviating	alleviate	VERB
afbr-919	40	3	debt	debt	NOUN
afbr-919	40	4	-	-	PUNCT
afbr-919	40	5	overhang	overhang	NOUN
afbr-919	40	6	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	40	7	australian	australian	ADJ
afbr-919	40	8	finance	finance	NOUN
afbr-919	40	9	&	&	CCONJ
afbr-919	40	10	banking	banking	PROPN
afbr-919	40	11	review	review	PROPN
afbr-919	40	12	vol	vol	NOUN
afbr-919	40	13	.	.	PROPN
afbr-919	40	14	4	4	NUM
afbr-919	40	15	,	,	PUNCT
afbr-919	40	16	no	no	INTJ
afbr-919	40	17	.	.	NOUN
afbr-919	40	18	2	2	NUM
afbr-919	40	19	;	;	PUNCT
afbr-919	40	20	2020	2020	NUM
afbr-919	40	21	3	3	NUM
afbr-919	40	22	issues	issue	NOUN
afbr-919	40	23	,	,	PUNCT
afbr-919	40	24	the	the	DET
afbr-919	40	25	waiver	waiver	NOUN
afbr-919	40	26	leads	lead	VERB
afbr-919	40	27	to	to	ADP
afbr-919	40	28	significant	significant	ADJ
afbr-919	40	29	changes	change	NOUN
afbr-919	40	30	in	in	ADP
afbr-919	40	31	the	the	DET
afbr-919	40	32	loan	loan	NOUN
afbr-919	40	33	performers	performer	NOUN
afbr-919	40	34	of	of	ADP
afbr-919	40	35	creditors	creditor	NOUN
afbr-919	40	36	in	in	ADP
afbr-919	40	37	distress	distress	NOUN
afbr-919	40	38	.	.	PUNCT
afbr-919	41	1	however	however	ADV
afbr-919	41	2	,	,	PUNCT
afbr-919	41	3	in	in	ADP
afbr-919	41	4	keeping	keep	VERB
afbr-919	41	5	with	with	ADP
afbr-919	41	6	the	the	DET
afbr-919	41	7	moral	moral	ADJ
afbr-919	41	8	hazard	hazard	NOUN
afbr-919	41	9	,	,	PUNCT
afbr-919	41	10	the	the	DET
afbr-919	41	11	waiver	waiver	NOUN
afbr-919	41	12	had	have	VERB
afbr-919	41	13	little	little	ADJ
afbr-919	41	14	bearing	bearing	NOUN
afbr-919	41	15	on	on	ADP
afbr-919	41	16	the	the	DET
afbr-919	41	17	performance	performance	NOUN
afbr-919	41	18	of	of	ADP
afbr-919	41	19	loans	loan	NOUN
afbr-919	41	20	by	by	ADP
afbr-919	41	21	non	non	ADJ
afbr-919	41	22	-	-	ADJ
afbr-919	41	23	distressed	distressed	ADJ
afbr-919	41	24	creditors	creditor	NOUN
afbr-919	41	25	but	but	CCONJ
afbr-919	41	26	non	non	ADJ
afbr-919	41	27	-	-	ADJ
afbr-919	41	28	distressed	distressed	ADJ
afbr-919	41	29	borrowers	borrower	NOUN
afbr-919	41	30	suffered	suffer	VERB
afbr-919	41	31	from	from	ADP
afbr-919	41	32	credit	credit	NOUN
afbr-919	41	33	rationing	ration	VERB
afbr-919	41	34	after	after	ADP
afbr-919	41	35	the	the	DET
afbr-919	41	36	waiver	waiver	NOUN
afbr-919	41	37	.	.	PUNCT
afbr-919	42	1	although	although	SCONJ
afbr-919	42	2	banks	bank	NOUN
afbr-919	42	3	'	'	PART
afbr-919	42	4	over	over	ADP
afbr-919	42	5	-	-	PUNCT
afbr-919	42	6	all	all	PRON
afbr-919	42	7	non	non	ADJ
afbr-919	42	8	-	-	ADJ
afbr-919	42	9	performing	perform	VERB
afbr-919	42	10	assets	asset	NOUN
afbr-919	42	11	declined	decline	VERB
afbr-919	42	12	after	after	ADP
afbr-919	42	13	the	the	DET
afbr-919	42	14	waiver	waiver	NOUN
afbr-919	42	15	,	,	PUNCT
afbr-919	42	16	agricultural	agricultural	ADJ
afbr-919	42	17	non	non	ADJ
afbr-919	42	18	-	-	ADJ
afbr-919	42	19	performing	perform	VERB
afbr-919	42	20	assets	asset	NOUN
afbr-919	42	21	rose	rise	VERB
afbr-919	42	22	.	.	PUNCT
afbr-919	43	1	arslanalp	arslanalp	PROPN
afbr-919	43	2	and	and	CCONJ
afbr-919	43	3	henry	henry	PROPN
afbr-919	43	4	(	(	PUNCT
afbr-919	43	5	2005	2005	NUM
afbr-919	43	6	)	)	PUNCT
afbr-919	43	7	asserted	assert	VERB
afbr-919	43	8	that	that	SCONJ
afbr-919	43	9	as	as	SCONJ
afbr-919	43	10	developing	develop	VERB
afbr-919	43	11	countries	country	NOUN
afbr-919	43	12	had	have	AUX
afbr-919	43	13	announced	announce	VERB
afbr-919	43	14	debt	debt	NOUN
afbr-919	43	15	reduction	reduction	NOUN
afbr-919	43	16	negotiations	negotiation	NOUN
afbr-919	43	17	through	through	ADP
afbr-919	43	18	the	the	DET
afbr-919	43	19	brady	brady	PROPN
afbr-919	43	20	scheme	scheme	NOUN
afbr-919	43	21	,	,	PUNCT
afbr-919	43	22	the	the	DET
afbr-919	43	23	stock	stock	NOUN
afbr-919	43	24	markets	market	NOUN
afbr-919	43	25	of	of	ADP
afbr-919	43	26	those	those	DET
afbr-919	43	27	countries	country	NOUN
afbr-919	43	28	rose	rise	VERB
afbr-919	43	29	by	by	ADP
afbr-919	43	30	60	60	NUM
afbr-919	43	31	%	%	NOUN
afbr-919	43	32	on	on	ADP
afbr-919	43	33	average	average	NOUN
afbr-919	43	34	in	in	ADP
afbr-919	43	35	real	real	ADJ
afbr-919	43	36	dollars	dollar	NOUN
afbr-919	43	37	terms	term	NOUN
afbr-919	43	38	which	which	PRON
afbr-919	43	39	was	be	AUX
afbr-919	43	40	an	an	DET
afbr-919	43	41	increase	increase	NOUN
afbr-919	43	42	in	in	ADP
afbr-919	43	43	shareholder	shareholder	NOUN
afbr-919	43	44	value	value	NOUN
afbr-919	43	45	of	of	ADP
afbr-919	43	46	$	$	SYM
afbr-919	43	47	42	42	NUM
afbr-919	43	48	billion	billion	NUM
afbr-919	43	49	.	.	PUNCT
afbr-919	44	1	there	there	PRON
afbr-919	44	2	was	be	VERB
afbr-919	44	3	no	no	DET
afbr-919	44	4	significant	significant	ADJ
afbr-919	44	5	increase	increase	NOUN
afbr-919	44	6	in	in	ADP
afbr-919	44	7	the	the	DET
afbr-919	44	8	stock	stock	NOUN
afbr-919	44	9	markets	market	NOUN
afbr-919	44	10	of	of	ADP
afbr-919	44	11	the	the	DET
afbr-919	44	12	countries	country	NOUN
afbr-919	44	13	within	within	ADP
afbr-919	44	14	the	the	DET
afbr-919	44	15	group	group	NOUN
afbr-919	44	16	that	that	PRON
afbr-919	44	17	did	do	AUX
afbr-919	44	18	not	not	PART
afbr-919	44	19	sign	sign	VERB
afbr-919	44	20	the	the	DET
afbr-919	44	21	agreement	agreement	NOUN
afbr-919	44	22	.	.	PUNCT
afbr-919	45	1	inflation	inflation	NOUN
afbr-919	45	2	of	of	ADP
afbr-919	45	3	the	the	DET
afbr-919	45	4	stock	stock	NOUN
afbr-919	45	5	market	market	NOUN
afbr-919	45	6	had	have	AUX
afbr-919	45	7	projected	project	VERB
afbr-919	45	8	a	a	DET
afbr-919	45	9	higher	high	ADJ
afbr-919	45	10	potential	potential	ADJ
afbr-919	45	11	flow	flow	NOUN
afbr-919	45	12	of	of	ADP
afbr-919	45	13	capital	capital	NOUN
afbr-919	45	14	,	,	PUNCT
afbr-919	45	15	spending	spending	NOUN
afbr-919	45	16	,	,	PUNCT
afbr-919	45	17	and	and	CCONJ
afbr-919	45	18	development	development	NOUN
afbr-919	45	19	.	.	PUNCT
afbr-919	46	1	as	as	SCONJ
afbr-919	46	2	the	the	DET
afbr-919	46	3	market	market	NOUN
afbr-919	46	4	capitalization	capitalization	NOUN
afbr-919	46	5	of	of	ADP
afbr-919	46	6	commercial	commercial	ADJ
afbr-919	46	7	banks	bank	NOUN
afbr-919	46	8	in	in	ADP
afbr-919	46	9	the	the	DET
afbr-919	46	10	us	we	PRON
afbr-919	46	11	with	with	ADP
afbr-919	46	12	exposure	exposure	NOUN
afbr-919	46	13	to	to	ADP
afbr-919	46	14	developing	develop	VERB
afbr-919	46	15	-	-	PUNCT
afbr-919	46	16	country	country	NOUN
afbr-919	46	17	loans	loan	NOUN
afbr-919	46	18	had	have	AUX
afbr-919	46	19	increased	increase	VERB
afbr-919	46	20	by	by	ADP
afbr-919	46	21	$	$	SYM
afbr-919	46	22	13	13	NUM
afbr-919	46	23	billion	billion	NUM
afbr-919	46	24	,	,	PUNCT
afbr-919	46	25	their	their	PRON
afbr-919	46	26	findings	finding	NOUN
afbr-919	46	27	indicated	indicate	VERB
afbr-919	46	28	that	that	SCONJ
afbr-919	46	29	both	both	PRON
afbr-919	46	30	lenders	lender	NOUN
afbr-919	46	31	and	and	CCONJ
afbr-919	46	32	borrowers	borrower	NOUN
afbr-919	46	33	benefit	benefit	VERB
afbr-919	46	34	from	from	ADP
afbr-919	46	35	debt	debt	NOUN
afbr-919	46	36	relief	relief	NOUN
afbr-919	46	37	in	in	ADP
afbr-919	46	38	a	a	DET
afbr-919	46	39	situation	situation	NOUN
afbr-919	46	40	where	where	SCONJ
afbr-919	46	41	the	the	DET
afbr-919	46	42	borrowers	borrower	NOUN
afbr-919	46	43	were	be	AUX
afbr-919	46	44	affected	affect	VERB
afbr-919	46	45	by	by	ADP
afbr-919	46	46	debt	debt	NOUN
afbr-919	46	47	overhang	overhang	NOUN
afbr-919	46	48	.	.	PUNCT
afbr-919	47	1	somasundaram	somasundaram	PROPN
afbr-919	47	2	(	(	PUNCT
afbr-919	47	3	2020	2020	NUM
afbr-919	47	4	)	)	PUNCT
afbr-919	47	5	observed	observe	VERB
afbr-919	47	6	that	that	SCONJ
afbr-919	47	7	covid-19	covid-19	PROPN
afbr-919	47	8	has	have	AUX
afbr-919	47	9	had	have	VERB
afbr-919	47	10	a	a	DET
afbr-919	47	11	significant	significant	ADJ
afbr-919	47	12	effect	effect	NOUN
afbr-919	47	13	on	on	ADP
afbr-919	47	14	india	india	PROPN
afbr-919	47	15	and	and	CCONJ
afbr-919	47	16	most	most	ADJ
afbr-919	47	17	of	of	ADP
afbr-919	47	18	the	the	DET
afbr-919	47	19	industries	industry	NOUN
afbr-919	47	20	in	in	ADP
afbr-919	47	21	india	india	PROPN
afbr-919	47	22	.	.	PUNCT
afbr-919	48	1	banks	bank	NOUN
afbr-919	48	2	and	and	CCONJ
afbr-919	48	3	non	non	ADJ
afbr-919	48	4	-	-	ADJ
afbr-919	48	5	banking	banking	ADJ
afbr-919	48	6	financial	financial	ADJ
afbr-919	48	7	firms	firm	NOUN
afbr-919	48	8	,	,	PUNCT
afbr-919	48	9	in	in	ADP
afbr-919	48	10	particular	particular	ADJ
afbr-919	48	11	,	,	PUNCT
afbr-919	48	12	have	have	AUX
afbr-919	48	13	been	be	AUX
afbr-919	48	14	more	more	ADV
afbr-919	48	15	severely	severely	ADV
afbr-919	48	16	impacted	impact	VERB
afbr-919	48	17	.	.	PUNCT
afbr-919	49	1	they	they	PRON
afbr-919	49	2	play	play	VERB
afbr-919	49	3	a	a	DET
afbr-919	49	4	key	key	ADJ
afbr-919	49	5	role	role	NOUN
afbr-919	49	6	in	in	ADP
afbr-919	49	7	the	the	DET
afbr-919	49	8	development	development	NOUN
afbr-919	49	9	of	of	ADP
afbr-919	49	10	the	the	DET
afbr-919	49	11	indian	indian	ADJ
afbr-919	49	12	economy	economy	NOUN
afbr-919	49	13	as	as	SCONJ
afbr-919	49	14	most	most	ADJ
afbr-919	49	15	of	of	ADP
afbr-919	49	16	the	the	DET
afbr-919	49	17	self	self	NOUN
afbr-919	49	18	-	-	PUNCT
afbr-919	49	19	employed	employ	VERB
afbr-919	49	20	people	people	NOUN
afbr-919	49	21	rely	rely	VERB
afbr-919	49	22	on	on	ADP
afbr-919	49	23	banks	bank	NOUN
afbr-919	49	24	or	or	CCONJ
afbr-919	49	25	financial	financial	ADJ
afbr-919	49	26	institutions	institution	NOUN
afbr-919	49	27	to	to	PART
afbr-919	49	28	borrow	borrow	VERB
afbr-919	49	29	for	for	ADP
afbr-919	49	30	their	their	PRON
afbr-919	49	31	business	business	NOUN
afbr-919	49	32	growth	growth	NOUN
afbr-919	49	33	.	.	PUNCT
afbr-919	50	1	the	the	DET
afbr-919	50	2	moratorium	moratorium	NOUN
afbr-919	50	3	facility	facility	NOUN
afbr-919	50	4	granted	grant	VERB
afbr-919	50	5	to	to	ADP
afbr-919	50	6	borrowers	borrower	NOUN
afbr-919	50	7	of	of	ADP
afbr-919	50	8	banks	bank	NOUN
afbr-919	50	9	and	and	CCONJ
afbr-919	50	10	non	non	ADJ
afbr-919	50	11	-	-	ADJ
afbr-919	50	12	banking	banking	ADJ
afbr-919	50	13	financial	financial	ADJ
afbr-919	50	14	companies	company	NOUN
afbr-919	50	15	by	by	ADP
afbr-919	50	16	the	the	DET
afbr-919	50	17	reserve	reserve	PROPN
afbr-919	50	18	bank	bank	PROPN
afbr-919	50	19	of	of	ADP
afbr-919	50	20	india	india	PROPN
afbr-919	50	21	came	come	VERB
afbr-919	50	22	with	with	ADP
afbr-919	50	23	a	a	DET
afbr-919	50	24	set	set	NOUN
afbr-919	50	25	of	of	ADP
afbr-919	50	26	merits	merit	NOUN
afbr-919	50	27	and	and	CCONJ
afbr-919	50	28	demerits	demerit	NOUN
afbr-919	50	29	which	which	PRON
afbr-919	50	30	has	have	AUX
afbr-919	50	31	been	be	AUX
afbr-919	50	32	discussed	discuss	VERB
afbr-919	50	33	in	in	ADP
afbr-919	50	34	the	the	DET
afbr-919	50	35	paper	paper	NOUN
afbr-919	50	36	.	.	PUNCT
afbr-919	51	1	rbi	rbi	PROPN
afbr-919	51	2	moratorium	moratorium	NOUN
afbr-919	51	3	2020	2020	NUM
afbr-919	51	4	the	the	DET
afbr-919	51	5	rbi	rbi	NOUN
afbr-919	51	6	offered	offer	VERB
afbr-919	51	7	a	a	DET
afbr-919	51	8	six	six	NUM
afbr-919	51	9	-	-	PUNCT
afbr-919	51	10	month	month	NOUN
afbr-919	51	11	moratorium	moratorium	NOUN
afbr-919	51	12	between	between	ADP
afbr-919	51	13	march	march	PROPN
afbr-919	51	14	1	1	NUM
afbr-919	51	15	,	,	PUNCT
afbr-919	51	16	2020	2020	NUM
afbr-919	51	17	,	,	PUNCT
afbr-919	51	18	and	and	CCONJ
afbr-919	51	19	august	august	PROPN
afbr-919	51	20	31	31	NUM
afbr-919	51	21	,	,	PUNCT
afbr-919	51	22	2020	2020	NUM
afbr-919	51	23	,	,	PUNCT
afbr-919	51	24	on	on	ADP
afbr-919	51	25	all	all	DET
afbr-919	51	26	loan	loan	NOUN
afbr-919	51	27	equated	equate	VERB
afbr-919	51	28	monthly	monthly	ADJ
afbr-919	51	29	instalments	instalment	NOUN
afbr-919	51	30	.	.	PUNCT
afbr-919	52	1	features	feature	NOUN
afbr-919	52	2	of	of	ADP
afbr-919	52	3	moratorium	moratorium	NOUN
afbr-919	52	4	2020	2020	NUM
afbr-919	52	5	are	be	AUX
afbr-919	52	6	(	(	PUNCT
afbr-919	52	7	rbi	rbi	X
afbr-919	52	8	circular	circular	ADJ
afbr-919	52	9	dated	date	VERB
afbr-919	52	10	march	march	NOUN
afbr-919	52	11	27	27	NUM
afbr-919	52	12	,	,	PUNCT
afbr-919	52	13	2020	2020	NUM
afbr-919	52	14	):	):	PUNCT
afbr-919	52	15	●	●	PUNCT
afbr-919	52	16	it	it	PRON
afbr-919	52	17	was	be	AUX
afbr-919	52	18	applicable	applicable	ADJ
afbr-919	52	19	on	on	ADP
afbr-919	52	20	all	all	DET
afbr-919	52	21	loans	loan	NOUN
afbr-919	52	22	including	include	VERB
afbr-919	52	23	education	education	NOUN
afbr-919	52	24	loans	loan	NOUN
afbr-919	52	25	,	,	PUNCT
afbr-919	52	26	credit	credit	NOUN
afbr-919	52	27	card	card	NOUN
afbr-919	52	28	dues	due	NOUN
afbr-919	52	29	,	,	PUNCT
afbr-919	52	30	personal	personal	ADJ
afbr-919	52	31	loans	loan	NOUN
afbr-919	52	32	,	,	PUNCT
afbr-919	52	33	home	home	NOUN
afbr-919	52	34	loans	loan	NOUN
afbr-919	52	35	etc	etc	X
afbr-919	52	36	.	.	X
afbr-919	53	1	●	●	PUNCT
afbr-919	53	2	borrowers	borrower	NOUN
afbr-919	53	3	did	do	AUX
afbr-919	53	4	not	not	PART
afbr-919	53	5	have	have	VERB
afbr-919	53	6	to	to	PART
afbr-919	53	7	make	make	VERB
afbr-919	53	8	the	the	DET
afbr-919	53	9	emi	emi	NOUN
afbr-919	53	10	payments	payment	NOUN
afbr-919	53	11	on	on	ADP
afbr-919	53	12	their	their	PRON
afbr-919	53	13	loans	loan	NOUN
afbr-919	53	14	during	during	ADP
afbr-919	53	15	this	this	DET
afbr-919	53	16	period	period	NOUN
afbr-919	53	17	.	.	PUNCT
afbr-919	54	1	individuals	individual	NOUN
afbr-919	54	2	whose	whose	DET
afbr-919	54	3	emis	emi	NOUN
afbr-919	54	4	on	on	ADP
afbr-919	54	5	loans	loan	NOUN
afbr-919	54	6	were	be	AUX
afbr-919	54	7	outstanding	outstanding	ADJ
afbr-919	54	8	as	as	ADP
afbr-919	54	9	of	of	ADP
afbr-919	54	10	march	march	PROPN
afbr-919	54	11	1	1	NUM
afbr-919	54	12	,	,	PUNCT
afbr-919	54	13	2020	2020	NUM
afbr-919	54	14	,	,	PUNCT
afbr-919	54	15	could	could	AUX
afbr-919	54	16	opt	opt	VERB
afbr-919	54	17	for	for	ADP
afbr-919	54	18	the	the	DET
afbr-919	54	19	moratorium	moratorium	NOUN
afbr-919	54	20	.	.	PUNCT
afbr-919	55	1	●	●	PUNCT
afbr-919	55	2	it	it	PRON
afbr-919	55	3	was	be	AUX
afbr-919	55	4	offered	offer	VERB
afbr-919	55	5	as	as	ADP
afbr-919	55	6	a	a	DET
afbr-919	55	7	means	means	NOUN
afbr-919	55	8	to	to	PART
afbr-919	55	9	lessen	lessen	VERB
afbr-919	55	10	the	the	DET
afbr-919	55	11	burden	burden	NOUN
afbr-919	55	12	of	of	ADP
afbr-919	55	13	debt	debt	NOUN
afbr-919	55	14	servicing	servicing	NOUN
afbr-919	55	15	by	by	ADP
afbr-919	55	16	the	the	DET
afbr-919	55	17	covid-19	covid-19	PROPN
afbr-919	55	18	disruptions	disruption	NOUN
afbr-919	55	19	and	and	CCONJ
afbr-919	55	20	ensure	ensure	VERB
afbr-919	55	21	the	the	DET
afbr-919	55	22	operation	operation	NOUN
afbr-919	55	23	of	of	ADP
afbr-919	55	24	businesses	business	NOUN
afbr-919	55	25	.	.	PUNCT
afbr-919	56	1	●	●	PUNCT
afbr-919	56	2	the	the	DET
afbr-919	56	3	repayment	repayment	NOUN
afbr-919	56	4	schedule	schedule	NOUN
afbr-919	56	5	would	would	AUX
afbr-919	56	6	be	be	AUX
afbr-919	56	7	shifted	shift	VERB
afbr-919	56	8	to	to	ADP
afbr-919	56	9	a	a	DET
afbr-919	56	10	period	period	NOUN
afbr-919	56	11	after	after	ADP
afbr-919	56	12	the	the	DET
afbr-919	56	13	moratorium	moratorium	NOUN
afbr-919	56	14	.	.	PUNCT
afbr-919	57	1	●	●	PUNCT
afbr-919	57	2	during	during	ADP
afbr-919	57	3	the	the	DET
afbr-919	57	4	moratorium	moratorium	NOUN
afbr-919	57	5	period	period	NOUN
afbr-919	57	6	,	,	PUNCT
afbr-919	57	7	interest	interest	NOUN
afbr-919	57	8	would	would	AUX
afbr-919	57	9	continue	continue	VERB
afbr-919	57	10	to	to	PART
afbr-919	57	11	accrue	accrue	VERB
afbr-919	57	12	on	on	ADP
afbr-919	57	13	the	the	DET
afbr-919	57	14	term	term	NOUN
afbr-919	57	15	loan	loan	NOUN
afbr-919	57	16	’s	’s	PART
afbr-919	57	17	outstanding	outstanding	ADJ
afbr-919	57	18	amount	amount	NOUN
afbr-919	57	19	.	.	PUNCT
afbr-919	58	1	●	●	PUNCT
afbr-919	58	2	all	all	DET
afbr-919	58	3	co	co	ADJ
afbr-919	58	4	-	-	ADJ
afbr-919	58	5	operative	operative	ADJ
afbr-919	58	6	banks	bank	NOUN
afbr-919	58	7	,	,	PUNCT
afbr-919	58	8	commercial	commercial	ADJ
afbr-919	58	9	banks	bank	NOUN
afbr-919	58	10	,	,	PUNCT
afbr-919	58	11	national	national	ADJ
afbr-919	58	12	financial	financial	ADJ
afbr-919	58	13	institutions	institution	NOUN
afbr-919	58	14	,	,	PUNCT
afbr-919	58	15	and	and	CCONJ
afbr-919	58	16	nbfcs	nbfc	NOUN
afbr-919	58	17	were	be	AUX
afbr-919	58	18	allowed	allow	VERB
afbr-919	58	19	to	to	PART
afbr-919	58	20	grant	grant	VERB
afbr-919	58	21	a	a	DET
afbr-919	58	22	moratorium	moratorium	NOUN
afbr-919	58	23	of	of	ADP
afbr-919	58	24	three	three	NUM
afbr-919	58	25	months	month	NOUN
afbr-919	58	26	.	.	PUNCT
afbr-919	59	1	the	the	DET
afbr-919	59	2	period	period	NOUN
afbr-919	59	3	stated	state	VERB
afbr-919	59	4	in	in	ADP
afbr-919	59	5	the	the	DET
afbr-919	59	6	initial	initial	ADJ
afbr-919	59	7	circular	circular	NOUN
afbr-919	59	8	was	be	AUX
afbr-919	59	9	then	then	ADV
afbr-919	59	10	extended	extend	VERB
afbr-919	59	11	up	up	ADP
afbr-919	59	12	to	to	ADP
afbr-919	59	13	august	august	PROPN
afbr-919	59	14	31	31	NUM
afbr-919	59	15	,	,	PUNCT
afbr-919	59	16	2020	2020	NUM
afbr-919	59	17	.	.	PUNCT
afbr-919	60	1	this	this	PRON
afbr-919	60	2	would	would	AUX
afbr-919	60	3	apply	apply	VERB
afbr-919	60	4	to	to	ADP
afbr-919	60	5	all	all	DET
afbr-919	60	6	term	term	NOUN
afbr-919	60	7	loans	loan	NOUN
afbr-919	60	8	including	include	VERB
afbr-919	60	9	retail	retail	NOUN
afbr-919	60	10	,	,	PUNCT
afbr-919	60	11	crop	crop	NOUN
afbr-919	60	12	and	and	CCONJ
afbr-919	60	13	agricultural	agricultural	ADJ
afbr-919	60	14	term	term	NOUN
afbr-919	60	15	loans	loan	NOUN
afbr-919	60	16	.	.	PUNCT
afbr-919	61	1	●	●	PUNCT
afbr-919	61	2	the	the	DET
afbr-919	61	3	rescheduling	rescheduling	NOUN
afbr-919	61	4	of	of	ADP
afbr-919	61	5	payments	payment	NOUN
afbr-919	61	6	and	and	CCONJ
afbr-919	61	7	interest	interest	NOUN
afbr-919	61	8	would	would	AUX
afbr-919	61	9	not	not	PART
afbr-919	61	10	count	count	VERB
afbr-919	61	11	as	as	ADP
afbr-919	61	12	a	a	DET
afbr-919	61	13	default	default	NOUN
afbr-919	61	14	for	for	ADP
afbr-919	61	15	reporting	report	VERB
afbr-919	61	16	to	to	ADP
afbr-919	61	17	credit	credit	NOUN
afbr-919	61	18	information	information	NOUN
afbr-919	61	19	companies	company	NOUN
afbr-919	61	20	(	(	PUNCT
afbr-919	61	21	cics	cic	NOUN
afbr-919	61	22	)	)	PUNCT
afbr-919	61	23	by	by	ADP
afbr-919	61	24	the	the	DET
afbr-919	61	25	lending	lending	NOUN
afbr-919	61	26	institutions	institution	NOUN
afbr-919	61	27	.	.	PUNCT
afbr-919	62	1	the	the	DET
afbr-919	62	2	cics	cic	NOUN
afbr-919	62	3	would	would	AUX
afbr-919	62	4	ensure	ensure	VERB
afbr-919	62	5	that	that	SCONJ
afbr-919	62	6	any	any	DET
afbr-919	62	7	action	action	NOUN
afbr-919	62	8	taken	take	VERB
afbr-919	62	9	by	by	ADP
afbr-919	62	10	a	a	DET
afbr-919	62	11	lending	lending	NOUN
afbr-919	62	12	institution	institution	NOUN
afbr-919	62	13	would	would	AUX
afbr-919	62	14	not	not	PART
afbr-919	62	15	negatively	negatively	ADV
afbr-919	62	16	affect	affect	VERB
afbr-919	62	17	the	the	DET
afbr-919	62	18	credit	credit	NOUN
afbr-919	62	19	history	history	NOUN
afbr-919	62	20	of	of	ADP
afbr-919	62	21	a	a	DET
afbr-919	62	22	borrower	borrower	NOUN
afbr-919	62	23	who	who	PRON
afbr-919	62	24	has	have	AUX
afbr-919	62	25	opted	opt	VERB
afbr-919	62	26	for	for	ADP
afbr-919	62	27	the	the	DET
afbr-919	62	28	moratorium	moratorium	NOUN
afbr-919	62	29	.	.	PUNCT
afbr-919	63	1	additionally	additionally	ADV
afbr-919	63	2	,	,	PUNCT
afbr-919	63	3	the	the	DET
afbr-919	63	4	rbi	rbi	NOUN
afbr-919	63	5	permitted	permit	VERB
afbr-919	63	6	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	63	7	australian	australian	ADJ
afbr-919	63	8	finance	finance	NOUN
afbr-919	63	9	&	&	CCONJ
afbr-919	63	10	banking	banking	PROPN
afbr-919	63	11	review	review	PROPN
afbr-919	63	12	vol	vol	NOUN
afbr-919	63	13	.	.	PROPN
afbr-919	64	1	4	4	NUM
afbr-919	64	2	,	,	PUNCT
afbr-919	64	3	no	no	INTJ
afbr-919	64	4	.	.	NOUN
afbr-919	64	5	2	2	NUM
afbr-919	64	6	;	;	PUNCT
afbr-919	64	7	2020	2020	NUM
afbr-919	64	8	4	4	NUM
afbr-919	64	9	the	the	DET
afbr-919	64	10	lenders	lender	NOUN
afbr-919	64	11	to	to	PART
afbr-919	64	12	allow	allow	VERB
afbr-919	64	13	one	one	NUM
afbr-919	64	14	-	-	PUNCT
afbr-919	64	15	time	time	NOUN
afbr-919	64	16	restructuring	restructuring	NOUN
afbr-919	64	17	for	for	ADP
afbr-919	64	18	personal	personal	ADJ
afbr-919	64	19	loans	loan	NOUN
afbr-919	64	20	while	while	SCONJ
afbr-919	64	21	maintaining	maintain	VERB
afbr-919	64	22	standard	standard	ADJ
afbr-919	64	23	asset	asset	NOUN
afbr-919	64	24	classification	classification	NOUN
afbr-919	64	25	and	and	CCONJ
afbr-919	64	26	corporate	corporate	ADJ
afbr-919	64	27	loans	loan	NOUN
afbr-919	64	28	without	without	ADP
afbr-919	64	29	a	a	DET
afbr-919	64	30	change	change	NOUN
afbr-919	64	31	in	in	ADP
afbr-919	64	32	ownership	ownership	NOUN
afbr-919	64	33	.	.	PUNCT
afbr-919	65	1	impact	impact	NOUN
afbr-919	65	2	and	and	CCONJ
afbr-919	65	3	predicted	predict	VERB
afbr-919	65	4	impact	impact	NOUN
afbr-919	65	5	of	of	ADP
afbr-919	65	6	the	the	DET
afbr-919	65	7	rbi	rbi	PROPN
afbr-919	65	8	moratorium	moratorium	NOUN
afbr-919	65	9	the	the	DET
afbr-919	65	10	state	state	NOUN
afbr-919	65	11	of	of	ADP
afbr-919	65	12	the	the	DET
afbr-919	65	13	indian	indian	ADJ
afbr-919	65	14	banking	banking	NOUN
afbr-919	65	15	sector	sector	NOUN
afbr-919	65	16	(	(	PUNCT
afbr-919	65	17	pre	pre	ADJ
afbr-919	65	18	-	-	ADJ
afbr-919	65	19	covid-19	covid-19	ADJ
afbr-919	65	20	period	period	NOUN
afbr-919	65	21	)	)	PUNCT
afbr-919	65	22	the	the	DET
afbr-919	65	23	performance	performance	NOUN
afbr-919	65	24	of	of	ADP
afbr-919	65	25	the	the	DET
afbr-919	65	26	banking	banking	NOUN
afbr-919	65	27	sector	sector	NOUN
afbr-919	65	28	had	have	AUX
afbr-919	65	29	improved	improve	VERB
afbr-919	65	30	in	in	ADP
afbr-919	65	31	fy20	fy20	PROPN
afbr-919	65	32	with	with	ADP
afbr-919	65	33	several	several	ADJ
afbr-919	65	34	banks	bank	NOUN
afbr-919	65	35	reporting	report	VERB
afbr-919	65	36	growth	growth	NOUN
afbr-919	65	37	in	in	ADP
afbr-919	65	38	earnings	earning	NOUN
afbr-919	65	39	.	.	PUNCT
afbr-919	66	1	as	as	ADP
afbr-919	66	2	per	per	ADP
afbr-919	66	3	rbi	rbi	X
afbr-919	66	4	data	datum	NOUN
afbr-919	66	5	on	on	ADP
afbr-919	66	6	sectoral	sectoral	ADJ
afbr-919	66	7	asset	asset	NOUN
afbr-919	66	8	quality	quality	NOUN
afbr-919	66	9	given	give	VERB
afbr-919	66	10	in	in	ADP
afbr-919	66	11	figure	figure	NOUN
afbr-919	66	12	1	1	NUM
afbr-919	66	13	(	(	PUNCT
afbr-919	66	14	chapter	chapter	NOUN
afbr-919	66	15	ii	ii	PROPN
afbr-919	66	16	rbi	rbi	PROPN
afbr-919	66	17	circular	circular	NOUN
afbr-919	66	18	dated	date	VERB
afbr-919	66	19	july	july	PROPN
afbr-919	66	20	24	24	NUM
afbr-919	66	21	,	,	PUNCT
afbr-919	66	22	2020	2020	NUM
afbr-919	66	23	)	)	PUNCT
afbr-919	66	24	,	,	PUNCT
afbr-919	66	25	●	●	PROPN
afbr-919	66	26	in	in	ADP
afbr-919	66	27	july	july	PROPN
afbr-919	66	28	2020	2020	NUM
afbr-919	66	29	,	,	PUNCT
afbr-919	66	30	credit	credit	NOUN
afbr-919	66	31	growth	growth	NOUN
afbr-919	66	32	of	of	ADP
afbr-919	66	33	non	non	ADJ
afbr-919	66	34	-	-	ADJ
afbr-919	66	35	food	food	ADJ
afbr-919	66	36	banks	bank	NOUN
afbr-919	66	37	at	at	ADP
afbr-919	66	38	6.7	6.7	NUM
afbr-919	66	39	%	%	NOUN
afbr-919	66	40	was	be	AUX
afbr-919	66	41	the	the	DET
afbr-919	66	42	same	same	ADJ
afbr-919	66	43	as	as	ADP
afbr-919	66	44	in	in	ADP
afbr-919	66	45	june	june	PROPN
afbr-919	66	46	2020	2020	NUM
afbr-919	66	47	,	,	PUNCT
afbr-919	66	48	but	but	CCONJ
afbr-919	66	49	lower	low	ADJ
afbr-919	66	50	than	than	ADP
afbr-919	66	51	the	the	DET
afbr-919	66	52	11.4	11.4	NUM
afbr-919	66	53	%	%	NOUN
afbr-919	66	54	growth	growth	NOUN
afbr-919	66	55	in	in	ADP
afbr-919	66	56	july	july	PROPN
afbr-919	66	57	2019	2019	NUM
afbr-919	66	58	.	.	PUNCT
afbr-919	67	1	●	●	NUM
afbr-919	67	2	credit	credit	NOUN
afbr-919	67	3	growth	growth	NOUN
afbr-919	67	4	for	for	ADP
afbr-919	67	5	agriculture	agriculture	NOUN
afbr-919	67	6	and	and	CCONJ
afbr-919	67	7	services	service	NOUN
afbr-919	67	8	produces	produce	VERB
afbr-919	67	9	an	an	DET
afbr-919	67	10	annual	annual	ADJ
afbr-919	67	11	gnpa	gnpa	NOUN
afbr-919	67	12	of	of	ADP
afbr-919	67	13	9	9	NUM
afbr-919	67	14	%	%	NOUN
afbr-919	67	15	and	and	CCONJ
afbr-919	67	16	13	13	NUM
afbr-919	67	17	%	%	NOUN
afbr-919	67	18	.	.	PUNCT
afbr-919	68	1	in	in	ADP
afbr-919	68	2	july	july	PROPN
afbr-919	68	3	2020	2020	NUM
afbr-919	68	4	,	,	PUNCT
afbr-919	68	5	credit	credit	NOUN
afbr-919	68	6	growth	growth	NOUN
afbr-919	68	7	for	for	ADP
afbr-919	68	8	agriculture	agriculture	NOUN
afbr-919	68	9	increased	increase	VERB
afbr-919	68	10	by	by	ADP
afbr-919	68	11	5.4	5.4	NUM
afbr-919	68	12	%	%	NOUN
afbr-919	68	13	,	,	PUNCT
afbr-919	68	14	compared	compare	VERB
afbr-919	68	15	to	to	ADP
afbr-919	68	16	a	a	DET
afbr-919	68	17	growth	growth	NOUN
afbr-919	68	18	of	of	ADP
afbr-919	68	19	6.8	6.8	NUM
afbr-919	68	20	%	%	NOUN
afbr-919	68	21	in	in	ADP
afbr-919	68	22	july	july	PROPN
afbr-919	68	23	2019	2019	NUM
afbr-919	68	24	.	.	PUNCT
afbr-919	69	1	●	●	NUM
afbr-919	69	2	service	service	NOUN
afbr-919	69	3	sector	sector	NOUN
afbr-919	69	4	credit	credit	NOUN
afbr-919	69	5	continued	continue	VERB
afbr-919	69	6	to	to	PART
afbr-919	69	7	rise	rise	VERB
afbr-919	69	8	at	at	ADP
afbr-919	69	9	a	a	DET
afbr-919	69	10	high	high	ADJ
afbr-919	69	11	rate	rate	NOUN
afbr-919	69	12	of	of	ADP
afbr-919	69	13	10.1	10.1	NUM
afbr-919	69	14	%	%	NOUN
afbr-919	69	15	in	in	ADP
afbr-919	69	16	july	july	PROPN
afbr-919	69	17	2020	2020	NUM
afbr-919	69	18	,	,	PUNCT
afbr-919	69	19	compared	compare	VERB
afbr-919	69	20	to	to	ADP
afbr-919	69	21	15.2	15.2	NUM
afbr-919	69	22	%	%	NOUN
afbr-919	69	23	in	in	ADP
afbr-919	69	24	july	july	PROPN
afbr-919	69	25	2019	2019	NUM
afbr-919	69	26	.	.	PUNCT
afbr-919	70	1	within	within	ADP
afbr-919	70	2	the	the	DET
afbr-919	70	3	services	service	NOUN
afbr-919	70	4	sector	sector	NOUN
afbr-919	70	5	,	,	PUNCT
afbr-919	70	6	credit	credit	NOUN
afbr-919	70	7	to	to	ADP
afbr-919	70	8	tourism	tourism	NOUN
afbr-919	70	9	,	,	PUNCT
afbr-919	70	10	computer	computer	NOUN
afbr-919	70	11	software	software	NOUN
afbr-919	70	12	,	,	PUNCT
afbr-919	70	13	and	and	CCONJ
afbr-919	70	14	hotel	hotel	NOUN
afbr-919	70	15	and	and	CCONJ
afbr-919	70	16	restaurants	restaurant	NOUN
afbr-919	70	17	resisted	resist	VERB
afbr-919	70	18	the	the	DET
afbr-919	70	19	downtrend	downtrend	NOUN
afbr-919	70	20	with	with	ADP
afbr-919	70	21	higher	high	ADJ
afbr-919	70	22	growth	growth	NOUN
afbr-919	70	23	in	in	ADP
afbr-919	70	24	july	july	PROPN
afbr-919	70	25	2020	2020	NUM
afbr-919	70	26	compared	compare	VERB
afbr-919	70	27	to	to	ADP
afbr-919	70	28	july	july	PROPN
afbr-919	70	29	2019	2019	NUM
afbr-919	70	30	.	.	PUNCT
afbr-919	71	1	the	the	DET
afbr-919	71	2	credit	credit	NOUN
afbr-919	71	3	growth	growth	NOUN
afbr-919	71	4	to	to	ADP
afbr-919	71	5	the	the	DET
afbr-919	71	6	corporate	corporate	ADJ
afbr-919	71	7	sector	sector	NOUN
afbr-919	71	8	constitutes	constitute	VERB
afbr-919	71	9	37	37	NUM
afbr-919	71	10	%	%	NOUN
afbr-919	71	11	of	of	ADP
afbr-919	71	12	the	the	DET
afbr-919	71	13	total	total	ADJ
afbr-919	71	14	bank	bank	NOUN
afbr-919	71	15	assets	asset	NOUN
afbr-919	71	16	and	and	CCONJ
afbr-919	71	17	forms	form	NOUN
afbr-919	71	18	73	73	NUM
afbr-919	71	19	%	%	NOUN
afbr-919	71	20	of	of	ADP
afbr-919	71	21	npas	npa	NOUN
afbr-919	71	22	.	.	PUNCT
afbr-919	72	1	●	●	PUNCT
afbr-919	72	2	the	the	DET
afbr-919	72	3	credit	credit	NOUN
afbr-919	72	4	growth	growth	NOUN
afbr-919	72	5	to	to	ADP
afbr-919	72	6	the	the	DET
afbr-919	72	7	industrial	industrial	ADJ
afbr-919	72	8	sector	sector	NOUN
afbr-919	72	9	was	be	AUX
afbr-919	72	10	at	at	ADP
afbr-919	72	11	0.8	0.8	NUM
afbr-919	72	12	%	%	NOUN
afbr-919	72	13	in	in	ADP
afbr-919	72	14	july	july	PROPN
afbr-919	72	15	2020	2020	NUM
afbr-919	72	16	which	which	PRON
afbr-919	72	17	was	be	AUX
afbr-919	72	18	lower	low	ADJ
afbr-919	72	19	as	as	SCONJ
afbr-919	72	20	compared	compare	VERB
afbr-919	72	21	to	to	ADP
afbr-919	72	22	6.1	6.1	NUM
afbr-919	72	23	%	%	NOUN
afbr-919	72	24	in	in	ADP
afbr-919	72	25	july	july	PROPN
afbr-919	72	26	2019	2019	NUM
afbr-919	72	27	.	.	PUNCT
afbr-919	73	1	within	within	ADP
afbr-919	73	2	the	the	DET
afbr-919	73	3	industrial	industrial	ADJ
afbr-919	73	4	sector	sector	NOUN
afbr-919	73	5	,	,	PUNCT
afbr-919	73	6	credit	credit	NOUN
afbr-919	73	7	growth	growth	NOUN
afbr-919	73	8	for	for	ADP
afbr-919	73	9	food	food	NOUN
afbr-919	73	10	manufacturing	manufacturing	NOUN
afbr-919	73	11	,	,	PUNCT
afbr-919	73	12	mining	mining	NOUN
afbr-919	73	13	&	&	CCONJ
afbr-919	73	14	quarrying	quarrying	NOUN
afbr-919	73	15	,	,	PUNCT
afbr-919	73	16	petroleum	petroleum	NOUN
afbr-919	73	17	,	,	PUNCT
afbr-919	73	18	coal	coal	NOUN
afbr-919	73	19	products	product	NOUN
afbr-919	73	20	&	&	CCONJ
afbr-919	73	21	nuclear	nuclear	ADJ
afbr-919	73	22	fuels	fuel	NOUN
afbr-919	73	23	,	,	PUNCT
afbr-919	73	24	cloth	cloth	NOUN
afbr-919	73	25	&	&	CCONJ
afbr-919	73	26	cloth	cloth	NOUN
afbr-919	73	27	products	product	NOUN
afbr-919	73	28	,	,	PUNCT
afbr-919	73	29	timber	timber	NOUN
afbr-919	73	30	,	,	PUNCT
afbr-919	73	31	building	building	NOUN
afbr-919	73	32	,	,	PUNCT
afbr-919	73	33	and	and	CCONJ
afbr-919	73	34	paper	paper	NOUN
afbr-919	73	35	&	&	CCONJ
afbr-919	73	36	paper	paper	NOUN
afbr-919	73	37	products	product	NOUN
afbr-919	73	38	increased	increase	VERB
afbr-919	73	39	in	in	ADP
afbr-919	73	40	july	july	PROPN
afbr-919	73	41	2020	2020	NUM
afbr-919	73	42	compared	compare	VERB
afbr-919	73	43	to	to	ADP
afbr-919	73	44	growth	growth	NOUN
afbr-919	73	45	in	in	ADP
afbr-919	73	46	the	the	DET
afbr-919	73	47	previous	previous	ADJ
afbr-919	73	48	year	year	NOUN
afbr-919	73	49	’s	’s	PART
afbr-919	73	50	corresponding	corresponding	ADJ
afbr-919	73	51	month	month	NOUN
afbr-919	73	52	.	.	PUNCT
afbr-919	74	1	●	●	PUNCT
afbr-919	74	2	tourism	tourism	NOUN
afbr-919	74	3	,	,	PUNCT
afbr-919	74	4	transportation	transportation	NOUN
afbr-919	74	5	,	,	PUNCT
afbr-919	74	6	sports	sport	NOUN
afbr-919	74	7	,	,	PUNCT
afbr-919	74	8	hospitality	hospitality	NOUN
afbr-919	74	9	,	,	PUNCT
afbr-919	74	10	petroleum	petroleum	NOUN
afbr-919	74	11	,	,	PUNCT
afbr-919	74	12	real	real	ADJ
afbr-919	74	13	estate	estate	NOUN
afbr-919	74	14	,	,	PUNCT
afbr-919	74	15	and	and	CCONJ
afbr-919	74	16	food	food	NOUN
afbr-919	74	17	industries	industry	NOUN
afbr-919	74	18	have	have	AUX
afbr-919	74	19	been	be	AUX
afbr-919	74	20	affected	affect	VERB
afbr-919	74	21	severely	severely	ADV
afbr-919	74	22	due	due	ADP
afbr-919	74	23	to	to	ADP
afbr-919	74	24	the	the	DET
afbr-919	74	25	pandemic	pandemic	ADJ
afbr-919	74	26	.	.	PUNCT
afbr-919	75	1	pharmaceuticals	pharmaceutical	NOUN
afbr-919	75	2	,	,	PUNCT
afbr-919	75	3	fmcg	fmcg	NOUN
afbr-919	75	4	,	,	PUNCT
afbr-919	75	5	e	e	NOUN
afbr-919	75	6	-	-	NOUN
afbr-919	75	7	commerce	commerce	NOUN
afbr-919	75	8	,	,	PUNCT
afbr-919	75	9	services	service	NOUN
afbr-919	75	10	,	,	PUNCT
afbr-919	75	11	and	and	CCONJ
afbr-919	75	12	it	it	PRON
afbr-919	75	13	businesses	business	NOUN
afbr-919	75	14	have	have	AUX
afbr-919	75	15	performed	perform	VERB
afbr-919	75	16	relatively	relatively	ADV
afbr-919	75	17	well	well	ADV
afbr-919	75	18	despite	despite	SCONJ
afbr-919	75	19	the	the	DET
afbr-919	75	20	pandemic	pandemic	NOUN
afbr-919	75	21	.	.	PUNCT
afbr-919	76	1	hence	hence	ADV
afbr-919	76	2	,	,	PUNCT
afbr-919	76	3	loans	loan	NOUN
afbr-919	76	4	to	to	ADP
afbr-919	76	5	these	these	DET
afbr-919	76	6	sectors	sector	NOUN
afbr-919	76	7	are	be	AUX
afbr-919	76	8	unlikely	unlikely	ADJ
afbr-919	76	9	to	to	PART
afbr-919	76	10	turn	turn	VERB
afbr-919	76	11	bad	bad	ADJ
afbr-919	76	12	.	.	PUNCT
afbr-919	77	1	●	●	PUNCT
afbr-919	77	2	retail	retail	ADJ
afbr-919	77	3	credit	credit	NOUN
afbr-919	77	4	accounts	account	NOUN
afbr-919	77	5	for	for	ADP
afbr-919	77	6	22	22	NUM
afbr-919	77	7	%	%	NOUN
afbr-919	77	8	of	of	ADP
afbr-919	77	9	overall	overall	ADJ
afbr-919	77	10	bank	bank	NOUN
afbr-919	77	11	lending	lending	NOUN
afbr-919	77	12	and	and	CCONJ
afbr-919	77	13	produces	produce	VERB
afbr-919	77	14	3.7	3.7	NUM
afbr-919	77	15	%	%	NOUN
afbr-919	77	16	of	of	ADP
afbr-919	77	17	npas	npa	NOUN
afbr-919	77	18	.	.	PUNCT
afbr-919	78	1	personal	personal	ADJ
afbr-919	78	2	loans	loan	NOUN
afbr-919	78	3	,	,	PUNCT
afbr-919	78	4	home	home	NOUN
afbr-919	78	5	loans	loan	NOUN
afbr-919	78	6	and	and	CCONJ
afbr-919	78	7	car	car	NOUN
afbr-919	78	8	loans	loan	NOUN
afbr-919	78	9	have	have	VERB
afbr-919	78	10	low	low	ADJ
afbr-919	78	11	delinquency	delinquency	NOUN
afbr-919	78	12	rates.personal	rates.personal	ADJ
afbr-919	78	13	loans	loan	NOUN
afbr-919	78	14	have	have	AUX
afbr-919	78	15	continued	continue	VERB
afbr-919	78	16	to	to	PART
afbr-919	78	17	do	do	VERB
afbr-919	78	18	well	well	ADV
afbr-919	78	19	,	,	PUNCT
afbr-919	78	20	rising	rise	VERB
afbr-919	78	21	by	by	ADP
afbr-919	78	22	11.2	11.2	NUM
afbr-919	78	23	%	%	NOUN
afbr-919	78	24	in	in	ADP
afbr-919	78	25	july	july	PROPN
afbr-919	78	26	2020	2020	NUM
afbr-919	78	27	,	,	PUNCT
afbr-919	78	28	compared	compare	VERB
afbr-919	78	29	to	to	ADP
afbr-919	78	30	17	17	NUM
afbr-919	78	31	%	%	NOUN
afbr-919	78	32	in	in	ADP
afbr-919	78	33	july	july	PROPN
afbr-919	78	34	2019	2019	NUM
afbr-919	78	35	.	.	PUNCT
afbr-919	79	1	●	●	PUNCT
afbr-919	79	2	the	the	DET
afbr-919	79	3	gross	gross	ADJ
afbr-919	79	4	outstanding	outstanding	ADJ
afbr-919	79	5	bank	bank	NOUN
afbr-919	79	6	credit	credit	NOUN
afbr-919	79	7	was	be	AUX
afbr-919	79	8	at	at	ADP
afbr-919	79	9	rs.91.36	rs.91.36	VERB
afbr-919	79	10	lakh	lakh	NOUN
afbr-919	79	11	crore	crore	NOUN
afbr-919	79	12	in	in	ADP
afbr-919	79	13	june	june	PROPN
afbr-919	79	14	2020	2020	NUM
afbr-919	79	15	compared	compare	VERB
afbr-919	79	16	to	to	ADP
afbr-919	79	17	rs.85.47	rs.85.47	NUM
afbr-919	79	18	lakh	lakh	NUM
afbr-919	79	19	crore	crore	NOUN
afbr-919	79	20	in	in	ADP
afbr-919	79	21	june	june	PROPN
afbr-919	79	22	2019	2019	NUM
afbr-919	79	23	.	.	PUNCT
afbr-919	80	1	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	80	2	australian	australian	ADJ
afbr-919	80	3	finance	finance	NOUN
afbr-919	80	4	&	&	CCONJ
afbr-919	80	5	banking	banking	PROPN
afbr-919	80	6	review	review	PROPN
afbr-919	80	7	vol	vol	NOUN
afbr-919	80	8	.	.	PROPN
afbr-919	81	1	4	4	NUM
afbr-919	81	2	,	,	PUNCT
afbr-919	81	3	no	no	INTJ
afbr-919	81	4	.	.	NOUN
afbr-919	81	5	2	2	NUM
afbr-919	81	6	;	;	PUNCT
afbr-919	81	7	2020	2020	NUM
afbr-919	81	8	5	5	NUM
afbr-919	81	9	figure	figure	NOUN
afbr-919	81	10	1	1	NUM
afbr-919	81	11	.	.	PUNCT
afbr-919	81	12	sectoral	sectoral	ADJ
afbr-919	81	13	asset	asset	NOUN
afbr-919	81	14	quality	quality	NOUN
afbr-919	81	15	indicators	indicator	NOUN
afbr-919	81	16	source	source	NOUN
afbr-919	81	17	:	:	PUNCT
afbr-919	81	18	chapter	chapter	PROPN
afbr-919	81	19	ii	ii	PROPN
afbr-919	81	20	rbi	rbi	PROPN
afbr-919	81	21	circular	circular	NOUN
afbr-919	81	22	dated	date	VERB
afbr-919	81	23	july	july	PROPN
afbr-919	81	24	24	24	NUM
afbr-919	81	25	,	,	PUNCT
afbr-919	81	26	2020	2020	NUM
afbr-919	81	27	overview	overview	NOUN
afbr-919	81	28	of	of	ADP
afbr-919	81	29	bank	bank	NOUN
afbr-919	81	30	performance	performance	NOUN
afbr-919	81	31	(	(	PUNCT
afbr-919	81	32	during	during	ADP
afbr-919	81	33	covid-19	covid-19	PROPN
afbr-919	81	34	)	)	PUNCT
afbr-919	81	35	year	year	NOUN
afbr-919	81	36	-	-	PUNCT
afbr-919	81	37	on	on	ADP
afbr-919	81	38	-	-	PUNCT
afbr-919	81	39	year	year	NOUN
afbr-919	81	40	credit	credit	NOUN
afbr-919	81	41	growth	growth	NOUN
afbr-919	81	42	of	of	ADP
afbr-919	81	43	scheduled	schedule	VERB
afbr-919	81	44	commercial	commercial	ADJ
afbr-919	81	45	banks	bank	NOUN
afbr-919	81	46	,	,	PUNCT
afbr-919	81	47	which	which	PRON
afbr-919	81	48	declined	decline	VERB
afbr-919	81	49	dramatically	dramatically	ADV
afbr-919	81	50	during	during	ADP
afbr-919	81	51	the	the	DET
afbr-919	81	52	first	first	ADJ
afbr-919	81	53	half	half	NOUN
afbr-919	81	54	of	of	ADP
afbr-919	81	55	2019	2019	NUM
afbr-919	81	56	-	-	SYM
afbr-919	81	57	20	20	NUM
afbr-919	81	58	,	,	PUNCT
afbr-919	81	59	plummeted	plummet	VERB
afbr-919	81	60	to	to	ADP
afbr-919	81	61	5.9	5.9	NUM
afbr-919	81	62	%	%	NOUN
afbr-919	81	63	by	by	ADP
afbr-919	81	64	march	march	PROPN
afbr-919	81	65	2020	2020	NUM
afbr-919	81	66	.	.	PUNCT
afbr-919	82	1	it	it	PRON
afbr-919	82	2	then	then	ADV
afbr-919	82	3	remained	remain	VERB
afbr-919	82	4	at	at	ADP
afbr-919	82	5	a	a	DET
afbr-919	82	6	standstill	standstill	NOUN
afbr-919	82	7	until	until	ADP
afbr-919	82	8	the	the	DET
afbr-919	82	9	beginning	beginning	NOUN
afbr-919	82	10	of	of	ADP
afbr-919	82	11	june	june	PROPN
afbr-919	82	12	2020	2020	NUM
afbr-919	82	13	which	which	PRON
afbr-919	82	14	can	can	AUX
afbr-919	82	15	be	be	AUX
afbr-919	82	16	seen	see	VERB
afbr-919	82	17	in	in	ADP
afbr-919	82	18	figure	figure	NOUN
afbr-919	82	19	2	2	NUM
afbr-919	82	20	.	.	PUNCT
afbr-919	83	1	this	this	DET
afbr-919	83	2	moderation	moderation	NOUN
afbr-919	83	3	was	be	AUX
afbr-919	83	4	prevalent	prevalent	ADJ
afbr-919	83	5	in	in	ADP
afbr-919	83	6	all	all	DET
afbr-919	83	7	banking	banking	NOUN
afbr-919	83	8	classes	class	NOUN
afbr-919	83	9	.	.	PUNCT
afbr-919	84	1	deposit	deposit	NOUN
afbr-919	84	2	development	development	NOUN
afbr-919	84	3	(	(	PUNCT
afbr-919	84	4	y	y	PROPN
afbr-919	84	5	-	-	PUNCT
afbr-919	84	6	o	o	NOUN
afbr-919	84	7	-	-	NOUN
afbr-919	84	8	y	y	NOUN
afbr-919	84	9	)	)	PUNCT
afbr-919	84	10	also	also	ADV
afbr-919	84	11	declined	decline	VERB
afbr-919	84	12	during	during	ADP
afbr-919	84	13	2019	2019	NUM
afbr-919	84	14	-	-	SYM
afbr-919	84	15	20	20	NUM
afbr-919	84	16	second	second	ADJ
afbr-919	84	17	half	half	NOUN
afbr-919	84	18	,	,	PUNCT
afbr-919	84	19	primarily	primarily	ADV
afbr-919	84	20	due	due	ADP
afbr-919	84	21	to	to	ADP
afbr-919	84	22	pvbs	pvbs	NOUN
afbr-919	84	23	(	(	PUNCT
afbr-919	84	24	private	private	ADJ
afbr-919	84	25	sector	sector	NOUN
afbr-919	84	26	banks	bank	NOUN
afbr-919	84	27	)	)	PUNCT
afbr-919	84	28	,	,	PUNCT
afbr-919	84	29	while	while	SCONJ
afbr-919	84	30	a	a	DET
afbr-919	84	31	recovery	recovery	NOUN
afbr-919	84	32	occurred	occur	VERB
afbr-919	84	33	in	in	ADP
afbr-919	84	34	the	the	DET
afbr-919	84	35	first	first	ADJ
afbr-919	84	36	few	few	ADJ
afbr-919	84	37	months	month	NOUN
afbr-919	84	38	of	of	ADP
afbr-919	84	39	2020	2020	NUM
afbr-919	84	40	-	-	SYM
afbr-919	84	41	21	21	NUM
afbr-919	84	42	,	,	PUNCT
afbr-919	84	43	indicating	indicate	VERB
afbr-919	84	44	the	the	DET
afbr-919	84	45	precautionary	precautionary	ADJ
afbr-919	84	46	saving	save	VERB
afbr-919	84	47	actions	action	NOUN
afbr-919	84	48	of	of	ADP
afbr-919	84	49	covid-19	covid-19	PROPN
afbr-919	84	50	.	.	PUNCT
afbr-919	85	1	earnings	earning	NOUN
afbr-919	85	2	of	of	ADP
afbr-919	85	3	commercial	commercial	ADJ
afbr-919	85	4	banks	bank	NOUN
afbr-919	85	5	before	before	ADP
afbr-919	85	6	taxes	taxis	NOUN
afbr-919	85	7	and	and	CCONJ
afbr-919	85	8	provision	provision	NOUN
afbr-919	85	9	(	(	PUNCT
afbr-919	85	10	ebpt	ebpt	NOUN
afbr-919	85	11	)	)	PUNCT
afbr-919	85	12	were	be	AUX
afbr-919	85	13	aided	aid	VERB
afbr-919	85	14	by	by	ADP
afbr-919	85	15	an	an	DET
afbr-919	85	16	increase	increase	NOUN
afbr-919	85	17	in	in	ADP
afbr-919	85	18	other	other	ADJ
afbr-919	85	19	operating	operating	NOUN
afbr-919	85	20	income	income	NOUN
afbr-919	85	21	(	(	PUNCT
afbr-919	85	22	ooi	ooi	PROPN
afbr-919	85	23	)	)	PUNCT
afbr-919	85	24	and	and	CCONJ
afbr-919	85	25	moderation	moderation	NOUN
afbr-919	85	26	in	in	ADP
afbr-919	85	27	operating	operate	VERB
afbr-919	85	28	expenditure	expenditure	NOUN
afbr-919	85	29	growth	growth	NOUN
afbr-919	85	30	.	.	PUNCT
afbr-919	86	1	net	net	ADJ
afbr-919	86	2	interest	interest	NOUN
afbr-919	86	3	income	income	NOUN
afbr-919	86	4	(	(	PUNCT
afbr-919	86	5	nii	nii	PROPN
afbr-919	86	6	)	)	PUNCT
afbr-919	86	7	declined	decline	VERB
afbr-919	86	8	slightly	slightly	ADV
afbr-919	86	9	,	,	PUNCT
afbr-919	86	10	lowering	lower	VERB
afbr-919	86	11	the	the	DET
afbr-919	86	12	net	net	ADJ
afbr-919	86	13	interest	interest	NOUN
afbr-919	86	14	margin	margin	NOUN
afbr-919	86	15	(	(	PUNCT
afbr-919	86	16	nim	nim	NOUN
afbr-919	86	17	)	)	PUNCT
afbr-919	86	18	to	to	ADP
afbr-919	86	19	the	the	DET
afbr-919	86	20	amount	amount	NOUN
afbr-919	86	21	of	of	ADP
afbr-919	86	22	september	september	PROPN
afbr-919	86	23	2019	2019	NUM
afbr-919	86	24	.	.	PUNCT
afbr-919	87	1	profitability	profitability	NOUN
afbr-919	87	2	rates	rate	NOUN
afbr-919	87	3	,	,	PUNCT
afbr-919	87	4	i.e.	i.e.	X
afbr-919	87	5	,	,	PUNCT
afbr-919	87	6	the	the	DET
afbr-919	87	7	return	return	NOUN
afbr-919	87	8	on	on	ADP
afbr-919	87	9	equity	equity	NOUN
afbr-919	87	10	(	(	PUNCT
afbr-919	87	11	roe	roe	PROPN
afbr-919	87	12	)	)	PUNCT
afbr-919	87	13	and	and	CCONJ
afbr-919	87	14	the	the	DET
afbr-919	87	15	return	return	NOUN
afbr-919	87	16	on	on	ADP
afbr-919	87	17	assets	asset	NOUN
afbr-919	87	18	(	(	PUNCT
afbr-919	87	19	roa	roa	NOUN
afbr-919	87	20	)	)	PUNCT
afbr-919	87	21	,	,	PUNCT
afbr-919	87	22	decreased	decrease	VERB
afbr-919	87	23	in	in	ADP
afbr-919	87	24	the	the	DET
afbr-919	87	25	fy	fy	PROPN
afbr-919	87	26	2019	2019	NUM
afbr-919	87	27	-	-	SYM
afbr-919	87	28	20	20	NUM
afbr-919	87	29	second	second	ADJ
afbr-919	87	30	half	half	NOUN
afbr-919	87	31	for	for	ADP
afbr-919	87	32	all	all	DET
afbr-919	87	33	the	the	DET
afbr-919	87	34	different	different	ADJ
afbr-919	87	35	banking	banking	NOUN
afbr-919	87	36	classes	class	NOUN
afbr-919	87	37	.	.	PUNCT
afbr-919	88	1	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	88	2	australian	australian	ADJ
afbr-919	88	3	finance	finance	NOUN
afbr-919	88	4	&	&	CCONJ
afbr-919	88	5	banking	banking	PROPN
afbr-919	88	6	review	review	PROPN
afbr-919	88	7	vol	vol	NOUN
afbr-919	88	8	.	.	PROPN
afbr-919	89	1	4	4	NUM
afbr-919	89	2	,	,	PUNCT
afbr-919	89	3	no	no	INTJ
afbr-919	89	4	.	.	NOUN
afbr-919	89	5	2	2	NUM
afbr-919	89	6	;	;	PUNCT
afbr-919	89	7	2020	2020	NUM
afbr-919	89	8	6	6	NUM
afbr-919	89	9	figure	figure	NOUN
afbr-919	89	10	2	2	NUM
afbr-919	89	11	.	.	PUNCT
afbr-919	89	12	performance	performance	NOUN
afbr-919	89	13	indicators	indicator	NOUN
afbr-919	89	14	for	for	ADP
afbr-919	89	15	scbs	scbs	PROPN
afbr-919	89	16	source	source	NOUN
afbr-919	89	17	:	:	PUNCT
afbr-919	89	18	chapter	chapter	PROPN
afbr-919	89	19	ii	ii	PROPN
afbr-919	89	20	rbi	rbi	PROPN
afbr-919	89	21	circular	circular	NOUN
afbr-919	89	22	dated	date	VERB
afbr-919	89	23	july	july	PROPN
afbr-919	89	24	24	24	NUM
afbr-919	89	25	,	,	PUNCT
afbr-919	89	26	2020	2020	NUM
afbr-919	89	27	predicted	predict	VERB
afbr-919	89	28	impact	impact	NOUN
afbr-919	89	29	of	of	ADP
afbr-919	89	30	the	the	DET
afbr-919	89	31	moratorium	moratorium	NOUN
afbr-919	89	32	moratorium-2020	moratorium-2020	PROPN
afbr-919	89	33	was	be	AUX
afbr-919	89	34	announced	announce	VERB
afbr-919	89	35	by	by	ADP
afbr-919	89	36	the	the	DET
afbr-919	89	37	rbi	rbi	NOUN
afbr-919	89	38	as	as	ADP
afbr-919	89	39	a	a	DET
afbr-919	89	40	relief	relief	NOUN
afbr-919	89	41	measure	measure	NOUN
afbr-919	89	42	during	during	ADP
afbr-919	89	43	the	the	DET
afbr-919	89	44	pandemic	pandemic	NOUN
afbr-919	89	45	.	.	PUNCT
afbr-919	90	1	however	however	ADV
afbr-919	90	2	,	,	PUNCT
afbr-919	90	3	the	the	DET
afbr-919	90	4	six	six	NUM
afbr-919	90	5	-	-	PUNCT
afbr-919	90	6	month	month	NOUN
afbr-919	90	7	moratorium	moratorium	NOUN
afbr-919	90	8	coupled	couple	VERB
afbr-919	90	9	with	with	ADP
afbr-919	90	10	the	the	DET
afbr-919	90	11	one	one	NUM
afbr-919	90	12	-	-	PUNCT
afbr-919	90	13	time	time	NOUN
afbr-919	90	14	loan	loan	NOUN
afbr-919	90	15	restructuring	restructuring	NOUN
afbr-919	90	16	program	program	NOUN
afbr-919	90	17	may	may	AUX
afbr-919	90	18	put	put	VERB
afbr-919	90	19	stress	stress	NOUN
afbr-919	90	20	on	on	ADP
afbr-919	90	21	the	the	DET
afbr-919	90	22	indian	indian	ADJ
afbr-919	90	23	banking	banking	NOUN
afbr-919	90	24	system	system	NOUN
afbr-919	90	25	.	.	PUNCT
afbr-919	91	1	the	the	DET
afbr-919	91	2	measures	measure	NOUN
afbr-919	91	3	may	may	AUX
afbr-919	91	4	have	have	AUX
afbr-919	91	5	avoided	avoid	VERB
afbr-919	91	6	a	a	DET
afbr-919	91	7	spike	spike	NOUN
afbr-919	91	8	in	in	ADP
afbr-919	91	9	npas	npas	NOUN
afbr-919	91	10	for	for	ADP
afbr-919	91	11	now	now	ADV
afbr-919	91	12	but	but	CCONJ
afbr-919	91	13	this	this	PRON
afbr-919	91	14	may	may	AUX
afbr-919	91	15	not	not	PART
afbr-919	91	16	be	be	AUX
afbr-919	91	17	true	true	ADJ
afbr-919	91	18	for	for	ADP
afbr-919	91	19	the	the	DET
afbr-919	91	20	near	near	ADJ
afbr-919	91	21	future	future	NOUN
afbr-919	91	22	.	.	PUNCT
afbr-919	92	1	●	●	PUNCT
afbr-919	92	2	npas	npas	NOUN
afbr-919	92	3	(	(	PUNCT
afbr-919	92	4	non	non	ADJ
afbr-919	92	5	-	-	ADJ
afbr-919	92	6	performing	perform	VERB
afbr-919	92	7	assets	asset	NOUN
afbr-919	92	8	)	)	PUNCT
afbr-919	92	9	as	as	ADP
afbr-919	92	10	per	per	ADP
afbr-919	92	11	the	the	DET
afbr-919	92	12	macro	macro	NOUN
afbr-919	92	13	stress	stress	NOUN
afbr-919	92	14	tests	test	NOUN
afbr-919	92	15	reported	report	VERB
afbr-919	92	16	by	by	ADP
afbr-919	92	17	the	the	DET
afbr-919	92	18	rbi	rbi	NOUN
afbr-919	92	19	in	in	ADP
afbr-919	92	20	the	the	DET
afbr-919	92	21	july	july	PROPN
afbr-919	92	22	2020	2020	NUM
afbr-919	92	23	financial	financial	ADJ
afbr-919	92	24	stability	stability	NOUN
afbr-919	92	25	report	report	NOUN
afbr-919	92	26	,	,	PUNCT
afbr-919	92	27	the	the	DET
afbr-919	92	28	npas	npas	NOUN
afbr-919	92	29	may	may	AUX
afbr-919	92	30	surge	surge	VERB
afbr-919	92	31	to	to	ADP
afbr-919	92	32	one	one	NUM
afbr-919	92	33	and	and	CCONJ
afbr-919	92	34	a	a	DET
afbr-919	92	35	half	half	NOUN
afbr-919	92	36	times	time	NOUN
afbr-919	92	37	above	above	ADP
afbr-919	92	38	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	92	39	australian	australian	ADJ
afbr-919	92	40	finance	finance	NOUN
afbr-919	92	41	&	&	CCONJ
afbr-919	92	42	banking	banking	PROPN
afbr-919	92	43	review	review	PROPN
afbr-919	92	44	vol	vol	NOUN
afbr-919	92	45	.	.	PROPN
afbr-919	93	1	4	4	NUM
afbr-919	93	2	,	,	PUNCT
afbr-919	93	3	no	no	INTJ
afbr-919	93	4	.	.	NOUN
afbr-919	93	5	2	2	NUM
afbr-919	93	6	;	;	PUNCT
afbr-919	93	7	2020	2020	NUM
afbr-919	93	8	7	7	NUM
afbr-919	93	9	the	the	DET
afbr-919	93	10	level	level	NOUN
afbr-919	93	11	in	in	ADP
afbr-919	93	12	march	march	PROPN
afbr-919	93	13	2020	2020	NUM
afbr-919	93	14	under	under	ADP
afbr-919	93	15	the	the	DET
afbr-919	93	16	baseline	baseline	PROPN
afbr-919	93	17	scenario	scenario	NOUN
afbr-919	93	18	and	and	CCONJ
afbr-919	93	19	in	in	ADP
afbr-919	93	20	a	a	DET
afbr-919	93	21	very	very	ADV
afbr-919	93	22	stressed	stressed	ADJ
afbr-919	93	23	scenario	scenario	NOUN
afbr-919	93	24	,	,	PUNCT
afbr-919	93	25	the	the	DET
afbr-919	93	26	surge	surge	NOUN
afbr-919	93	27	could	could	AUX
afbr-919	93	28	be	be	AUX
afbr-919	93	29	1.7	1.7	NUM
afbr-919	93	30	times	time	NOUN
afbr-919	93	31	above	above	ADP
afbr-919	93	32	the	the	DET
afbr-919	93	33	march	march	PROPN
afbr-919	93	34	2020	2020	NUM
afbr-919	93	35	levels	level	NOUN
afbr-919	93	36	as	as	SCONJ
afbr-919	93	37	shown	show	VERB
afbr-919	93	38	in	in	ADP
afbr-919	93	39	figure	figure	NOUN
afbr-919	93	40	4	4	NUM
afbr-919	93	41	.	.	PUNCT
afbr-919	94	1	according	accord	VERB
afbr-919	94	2	to	to	ADP
afbr-919	94	3	care	care	NOUN
afbr-919	94	4	ratings	rating	NOUN
afbr-919	94	5	’	'	PUNCT
afbr-919	94	6	analysis	analysis	NOUN
afbr-919	94	7	of	of	ADP
afbr-919	94	8	npa	npa	NOUN
afbr-919	94	9	movement	movement	NOUN
afbr-919	94	10	published	publish	VERB
afbr-919	94	11	on	on	ADP
afbr-919	94	12	october	october	PROPN
afbr-919	94	13	13	13	NUM
afbr-919	94	14	,	,	PUNCT
afbr-919	94	15	2020	2020	NUM
afbr-919	94	16	,	,	PUNCT
afbr-919	94	17	gross	gross	ADJ
afbr-919	94	18	npas	npas	NOUN
afbr-919	94	19	ratios	ratio	NOUN
afbr-919	94	20	of	of	ADP
afbr-919	94	21	indian	indian	ADJ
afbr-919	94	22	banks	bank	NOUN
afbr-919	94	23	are	be	AUX
afbr-919	94	24	predicted	predict	VERB
afbr-919	94	25	to	to	PART
afbr-919	94	26	be	be	AUX
afbr-919	94	27	around	around	ADV
afbr-919	94	28	11	11	NUM
afbr-919	94	29	to	to	PART
afbr-919	94	30	11.5	11.5	NUM
afbr-919	94	31	%	%	NOUN
afbr-919	94	32	by	by	ADP
afbr-919	94	33	the	the	DET
afbr-919	94	34	end	end	NOUN
afbr-919	94	35	of	of	ADP
afbr-919	94	36	fy21	fy21	PROPN
afbr-919	94	37	.	.	PUNCT
afbr-919	95	1	the	the	DET
afbr-919	95	2	banks	bank	NOUN
afbr-919	95	3	are	be	AUX
afbr-919	95	4	likely	likely	ADJ
afbr-919	95	5	to	to	PART
afbr-919	95	6	restructure	restructure	VERB
afbr-919	95	7	4	4	NUM
afbr-919	95	8	%	%	NOUN
afbr-919	95	9	to	to	PART
afbr-919	95	10	5	5	NUM
afbr-919	95	11	%	%	NOUN
afbr-919	95	12	of	of	ADP
afbr-919	95	13	the	the	DET
afbr-919	95	14	overall	overall	ADJ
afbr-919	95	15	bank	bank	NOUN
afbr-919	95	16	credit	credit	NOUN
afbr-919	95	17	outstanding	outstanding	ADJ
afbr-919	95	18	.	.	PUNCT
afbr-919	96	1	the	the	DET
afbr-919	96	2	gross	gross	ADJ
afbr-919	96	3	npa	npa	PROPN
afbr-919	96	4	of	of	ADP
afbr-919	96	5	scbs	scbs	PROPN
afbr-919	96	6	was	be	AUX
afbr-919	96	7	8.2	8.2	NUM
afbr-919	96	8	%	%	NOUN
afbr-919	96	9	in	in	ADP
afbr-919	96	10	q1	q1	NOUN
afbr-919	96	11	fy21	fy21	PROPN
afbr-919	96	12	as	as	SCONJ
afbr-919	96	13	compared	compare	VERB
afbr-919	96	14	to	to	ADP
afbr-919	96	15	9.5	9.5	NUM
afbr-919	96	16	%	%	NOUN
afbr-919	96	17	in	in	ADP
afbr-919	96	18	q1	q1	NOUN
afbr-919	97	1	fy20	fy20	PROPN
afbr-919	97	2	shown	show	VERB
afbr-919	97	3	in	in	ADP
afbr-919	97	4	figure	figure	NOUN
afbr-919	97	5	3	3	NUM
afbr-919	97	6	.	.	PUNCT
afbr-919	97	7	by	by	ADP
afbr-919	97	8	the	the	DET
afbr-919	97	9	end	end	NOUN
afbr-919	97	10	of	of	ADP
afbr-919	97	11	fy21	fy21	PROPN
afbr-919	97	12	,	,	PUNCT
afbr-919	97	13	the	the	DET
afbr-919	97	14	numbers	number	NOUN
afbr-919	97	15	are	be	AUX
afbr-919	97	16	expected	expect	VERB
afbr-919	97	17	to	to	PART
afbr-919	97	18	increase	increase	VERB
afbr-919	97	19	much	much	ADV
afbr-919	97	20	beyond	beyond	ADP
afbr-919	97	21	the	the	DET
afbr-919	97	22	8.5	8.5	NUM
afbr-919	97	23	%	%	NOUN
afbr-919	97	24	level	level	NOUN
afbr-919	97	25	which	which	PRON
afbr-919	97	26	was	be	AUX
afbr-919	97	27	seen	see	VERB
afbr-919	97	28	at	at	ADP
afbr-919	97	29	the	the	DET
afbr-919	97	30	end	end	NOUN
afbr-919	97	31	of	of	ADP
afbr-919	97	32	fy20	fy20	PROPN
afbr-919	97	33	while	while	SCONJ
afbr-919	97	34	being	be	AUX
afbr-919	97	35	moderated	moderate	VERB
afbr-919	97	36	by	by	ADP
afbr-919	97	37	the	the	DET
afbr-919	97	38	current	current	ADJ
afbr-919	97	39	write	write	NOUN
afbr-919	97	40	-	-	PUNCT
afbr-919	97	41	offs	off	NOUN
afbr-919	97	42	and	and	CCONJ
afbr-919	97	43	one	one	NUM
afbr-919	97	44	-	-	PUNCT
afbr-919	97	45	time	time	NOUN
afbr-919	97	46	restructuring	restructuring	NOUN
afbr-919	97	47	scheme	scheme	NOUN
afbr-919	97	48	.	.	PUNCT
afbr-919	98	1	the	the	DET
afbr-919	98	2	banks	bank	NOUN
afbr-919	98	3	may	may	AUX
afbr-919	98	4	also	also	ADV
afbr-919	98	5	face	face	VERB
afbr-919	98	6	severe	severe	ADJ
afbr-919	98	7	stress	stress	NOUN
afbr-919	98	8	due	due	ADP
afbr-919	98	9	to	to	ADP
afbr-919	98	10	low	low	ADV
afbr-919	98	11	-	-	PUNCT
afbr-919	98	12	rated	rate	VERB
afbr-919	98	13	corporate	corporate	ADJ
afbr-919	98	14	as	as	SCONJ
afbr-919	98	15	personal	personal	ADJ
afbr-919	98	16	loans	loan	NOUN
afbr-919	98	17	ca	can	AUX
afbr-919	98	18	n’t	not	PART
afbr-919	98	19	be	be	AUX
afbr-919	98	20	registered	register	VERB
afbr-919	98	21	under	under	ADP
afbr-919	98	22	the	the	DET
afbr-919	98	23	restructuring	restructuring	NOUN
afbr-919	98	24	scheme	scheme	NOUN
afbr-919	98	25	.	.	PUNCT
afbr-919	99	1	figure	figure	NOUN
afbr-919	99	2	3	3	NUM
afbr-919	99	3	.	.	PUNCT
afbr-919	99	4	movement	movement	NOUN
afbr-919	99	5	in	in	ADP
afbr-919	99	6	gross	gross	ADJ
afbr-919	99	7	npa	npa	PROPN
afbr-919	99	8	in	in	ADP
afbr-919	99	9	rs	r	NOUN
afbr-919	99	10	.	.	PUNCT
afbr-919	100	1	lakh	lakh	NUM
afbr-919	100	2	crore	crore	NUM
afbr-919	100	3	source	source	NOUN
afbr-919	100	4	:	:	PUNCT
afbr-919	100	5	analysis	analysis	NOUN
afbr-919	100	6	of	of	ADP
afbr-919	100	7	npa	npa	NOUN
afbr-919	100	8	movement	movement	NOUN
afbr-919	100	9	,	,	PUNCT
afbr-919	100	10	care	care	NOUN
afbr-919	100	11	ratings	rating	NOUN
afbr-919	100	12	dated	date	VERB
afbr-919	100	13	october	october	PROPN
afbr-919	100	14	12	12	NUM
afbr-919	100	15	,	,	PUNCT
afbr-919	100	16	2020	2020	NUM
afbr-919	100	17	figure	figure	VERB
afbr-919	100	18	4	4	NUM
afbr-919	100	19	.	.	PUNCT
afbr-919	101	1	gnpa	gnpa	NOUN
afbr-919	101	2	ratio	ratio	NOUN
afbr-919	101	3	projections	projection	NOUN
afbr-919	101	4	for	for	ADP
afbr-919	101	5	scbs	scbs	PROPN
afbr-919	101	6	source	source	NOUN
afbr-919	101	7	:	:	PUNCT
afbr-919	101	8	chapter	chapter	PROPN
afbr-919	101	9	ii	ii	PROPN
afbr-919	101	10	rbi	rbi	PROPN
afbr-919	101	11	circular	circular	NOUN
afbr-919	101	12	dated	date	VERB
afbr-919	101	13	july	july	PROPN
afbr-919	101	14	24	24	NUM
afbr-919	101	15	,	,	PUNCT
afbr-919	101	16	2020	2020	NUM
afbr-919	101	17	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	101	18	australian	australian	ADJ
afbr-919	101	19	finance	finance	NOUN
afbr-919	101	20	&	&	CCONJ
afbr-919	101	21	banking	banking	PROPN
afbr-919	101	22	review	review	PROPN
afbr-919	101	23	vol	vol	NOUN
afbr-919	101	24	.	.	PROPN
afbr-919	102	1	4	4	NUM
afbr-919	102	2	,	,	PUNCT
afbr-919	102	3	no	no	INTJ
afbr-919	102	4	.	.	NOUN
afbr-919	102	5	2	2	NUM
afbr-919	102	6	;	;	PUNCT
afbr-919	102	7	2020	2020	NUM
afbr-919	102	8	8	8	NUM
afbr-919	102	9	●	●	NUM
afbr-919	102	10	crar	crar	NOUN
afbr-919	102	11	(	(	PUNCT
afbr-919	102	12	capital	capital	NOUN
afbr-919	102	13	to	to	PART
afbr-919	102	14	risk	risk	NOUN
afbr-919	102	15	-	-	PUNCT
afbr-919	102	16	weighted	weight	VERB
afbr-919	102	17	assets	asset	NOUN
afbr-919	102	18	ratio	ratio	NOUN
afbr-919	102	19	)	)	PUNCT
afbr-919	102	20	–	–	PUNCT
afbr-919	102	21	under	under	ADP
afbr-919	102	22	the	the	DET
afbr-919	102	23	baseline	baseline	PROPN
afbr-919	102	24	scenario	scenario	NOUN
afbr-919	102	25	,	,	PUNCT
afbr-919	102	26	the	the	DET
afbr-919	102	27	rbi	rbi	NOUN
afbr-919	102	28	predicts	predict	VERB
afbr-919	102	29	the	the	DET
afbr-919	102	30	system	system	NOUN
afbr-919	102	31	level	level	NOUN
afbr-919	102	32	crar	crar	NOUN
afbr-919	102	33	to	to	PART
afbr-919	102	34	drop	drop	VERB
afbr-919	102	35	to	to	ADP
afbr-919	102	36	13.3	13.3	NUM
afbr-919	102	37	%	%	NOUN
afbr-919	102	38	in	in	ADP
afbr-919	102	39	march	march	PROPN
afbr-919	102	40	2021	2021	NUM
afbr-919	102	41	from	from	ADP
afbr-919	102	42	the	the	DET
afbr-919	102	43	march	march	PROPN
afbr-919	102	44	2020	2020	NUM
afbr-919	102	45	level	level	NOUN
afbr-919	102	46	.	.	PUNCT
afbr-919	103	1	in	in	ADP
afbr-919	103	2	the	the	DET
afbr-919	103	3	case	case	NOUN
afbr-919	103	4	of	of	ADP
afbr-919	103	5	a	a	DET
afbr-919	103	6	severe	severe	ADJ
afbr-919	103	7	stress	stress	NOUN
afbr-919	103	8	scenario	scenario	NOUN
afbr-919	103	9	,	,	PUNCT
afbr-919	103	10	the	the	DET
afbr-919	103	11	levels	level	NOUN
afbr-919	103	12	could	could	AUX
afbr-919	103	13	drop	drop	VERB
afbr-919	103	14	to	to	ADP
afbr-919	103	15	11.8	11.8	NUM
afbr-919	103	16	%	%	NOUN
afbr-919	103	17	as	as	SCONJ
afbr-919	103	18	shown	show	VERB
afbr-919	103	19	in	in	ADP
afbr-919	103	20	figure	figure	NOUN
afbr-919	103	21	5	5	NUM
afbr-919	103	22	.	.	PUNCT
afbr-919	104	1	―although	―although	NOUN
afbr-919	104	2	gross	gross	ADJ
afbr-919	104	3	and	and	CCONJ
afbr-919	104	4	net	net	ADJ
afbr-919	104	5	non	non	ADJ
afbr-919	104	6	-	-	ADJ
afbr-919	104	7	performing	perform	VERB
afbr-919	104	8	asset	asset	NOUN
afbr-919	104	9	ratios	ratio	NOUN
afbr-919	104	10	had	have	AUX
afbr-919	104	11	come	come	VERB
afbr-919	104	12	down	down	ADP
afbr-919	104	13	in	in	ADP
afbr-919	104	14	march	march	PROPN
afbr-919	104	15	2020	2020	NUM
afbr-919	104	16	along	along	ADP
afbr-919	104	17	with	with	ADP
afbr-919	104	18	receding	recede	VERB
afbr-919	104	19	slippage	slippage	NOUN
afbr-919	104	20	ratios	ratio	NOUN
afbr-919	104	21	,	,	PUNCT
afbr-919	104	22	the	the	DET
afbr-919	104	23	economic	economic	ADJ
afbr-919	104	24	fallout	fallout	NOUN
afbr-919	104	25	of	of	ADP
afbr-919	104	26	the	the	DET
afbr-919	104	27	pandemic	pandemic	NOUN
afbr-919	104	28	is	be	AUX
afbr-919	104	29	likely	likely	ADJ
afbr-919	104	30	to	to	PART
afbr-919	104	31	test	test	VERB
afbr-919	104	32	this	this	DET
afbr-919	104	33	resilience	resilience	NOUN
afbr-919	104	34	,	,	PUNCT
afbr-919	104	35	especially	especially	ADV
afbr-919	104	36	since	since	SCONJ
afbr-919	104	37	the	the	DET
afbr-919	104	38	regulatory	regulatory	ADJ
afbr-919	104	39	accommodations	accommodation	NOUN
afbr-919	104	40	announced	announce	VERB
afbr-919	104	41	in	in	ADP
afbr-919	104	42	the	the	DET
afbr-919	104	43	wake	wake	NOUN
afbr-919	104	44	of	of	ADP
afbr-919	104	45	the	the	DET
afbr-919	104	46	outbreak	outbreak	NOUN
afbr-919	104	47	have	have	AUX
afbr-919	104	48	masked	mask	VERB
afbr-919	104	49	the	the	DET
afbr-919	104	50	consequent	consequent	ADJ
afbr-919	104	51	build	build	NOUN
afbr-919	104	52	-	-	PUNCT
afbr-919	104	53	up	up	NOUN
afbr-919	104	54	of	of	ADP
afbr-919	104	55	stress,‖	stress,‖	PROPN
afbr-919	104	56	stated	state	VERB
afbr-919	104	57	by	by	ADP
afbr-919	104	58	the	the	DET
afbr-919	104	59	rbi	rbi	NOUN
afbr-919	104	60	in	in	ADP
afbr-919	104	61	its	its	PRON
afbr-919	104	62	annual	annual	ADJ
afbr-919	104	63	2019	2019	NUM
afbr-919	104	64	-	-	SYM
afbr-919	104	65	20	20	NUM
afbr-919	104	66	report	report	NOUN
afbr-919	104	67	.	.	PUNCT
afbr-919	105	1	figure	figure	NOUN
afbr-919	105	2	5	5	NUM
afbr-919	105	3	.	.	PUNCT
afbr-919	106	1	crar	crar	NOUN
afbr-919	106	2	projections	projection	NOUN
afbr-919	106	3	for	for	ADP
afbr-919	106	4	scbs	scbs	PROPN
afbr-919	106	5	source	source	NOUN
afbr-919	106	6	:	:	PUNCT
afbr-919	106	7	chapter	chapter	PROPN
afbr-919	106	8	ii	ii	PROPN
afbr-919	106	9	rbi	rbi	PROPN
afbr-919	106	10	circular	circular	NOUN
afbr-919	106	11	dated	date	VERB
afbr-919	106	12	july	july	PROPN
afbr-919	106	13	24	24	NUM
afbr-919	106	14	,	,	PUNCT
afbr-919	106	15	2020	2020	NUM
afbr-919	106	16			PRON
afbr-919	106	17	economic	economic	ADJ
afbr-919	106	18	activity	activity	NOUN
afbr-919	106	19	and	and	CCONJ
afbr-919	106	20	bank	bank	NOUN
afbr-919	106	21	credit	credit	NOUN
afbr-919	106	22	-the	-the	DET
afbr-919	106	23	indian	indian	ADJ
afbr-919	106	24	economy	economy	NOUN
afbr-919	106	25	has	have	AUX
afbr-919	106	26	steadily	steadily	ADV
afbr-919	106	27	reopened	reopen	VERB
afbr-919	106	28	in	in	ADP
afbr-919	106	29	june	june	PROPN
afbr-919	106	30	2020	2020	NUM
afbr-919	106	31	after	after	SCONJ
afbr-919	106	32	a	a	DET
afbr-919	106	33	national	national	ADJ
afbr-919	106	34	lockdown	lockdown	NOUN
afbr-919	106	35	declared	declare	VERB
afbr-919	106	36	by	by	ADP
afbr-919	106	37	the	the	DET
afbr-919	106	38	government	government	NOUN
afbr-919	106	39	to	to	PART
afbr-919	106	40	avoid	avoid	VERB
afbr-919	106	41	the	the	DET
afbr-919	106	42	curb	curb	NOUN
afbr-919	106	43	the	the	DET
afbr-919	106	44	number	number	NOUN
afbr-919	106	45	of	of	ADP
afbr-919	106	46	covid-19	covid-19	PROPN
afbr-919	106	47	cases	case	NOUN
afbr-919	106	48	.	.	PUNCT
afbr-919	107	1	during	during	ADP
afbr-919	107	2	this	this	DET
afbr-919	107	3	time	time	NOUN
afbr-919	107	4	,	,	PUNCT
afbr-919	107	5	the	the	DET
afbr-919	107	6	slowdown	slowdown	NOUN
afbr-919	107	7	in	in	ADP
afbr-919	107	8	the	the	DET
afbr-919	107	9	disbursement	disbursement	NOUN
afbr-919	107	10	of	of	ADP
afbr-919	107	11	new	new	ADJ
afbr-919	107	12	credit	credit	NOUN
afbr-919	107	13	was	be	AUX
afbr-919	107	14	attributed	attribute	VERB
afbr-919	107	15	by	by	ADP
afbr-919	107	16	bankers	banker	NOUN
afbr-919	107	17	to	to	ADP
afbr-919	107	18	difficulties	difficulty	NOUN
afbr-919	107	19	in	in	ADP
afbr-919	107	20	conducting	conduct	VERB
afbr-919	107	21	origination	origination	NOUN
afbr-919	107	22	activities	activity	NOUN
afbr-919	107	23	,	,	PUNCT
afbr-919	107	24	lack	lack	NOUN
afbr-919	107	25	of	of	ADP
afbr-919	107	26	clarification	clarification	NOUN
afbr-919	107	27	in	in	ADP
afbr-919	107	28	the	the	DET
afbr-919	107	29	extension	extension	NOUN
afbr-919	107	30	of	of	ADP
afbr-919	107	31	the	the	DET
afbr-919	107	32	moratorium	moratorium	NOUN
afbr-919	107	33	,	,	PUNCT
afbr-919	107	34	and	and	CCONJ
afbr-919	107	35	risk	risk	NOUN
afbr-919	107	36	aversion	aversion	NOUN
afbr-919	107	37	amid	amid	ADP
afbr-919	107	38	tell	tell	NOUN
afbr-919	107	39	-	-	PUNCT
afbr-919	107	40	tale	tale	NOUN
afbr-919	107	41	signs	sign	NOUN
afbr-919	107	42	of	of	ADP
afbr-919	107	43	stress	stress	NOUN
afbr-919	107	44	throughout	throughout	ADP
afbr-919	107	45	sectors	sector	NOUN
afbr-919	107	46	.	.	PUNCT
afbr-919	108	1	the	the	DET
afbr-919	108	2	banks	bank	NOUN
afbr-919	108	3	are	be	AUX
afbr-919	108	4	hopeful	hopeful	ADJ
afbr-919	108	5	with	with	ADP
afbr-919	108	6	regards	regard	NOUN
afbr-919	108	7	to	to	ADP
afbr-919	108	8	the	the	DET
afbr-919	108	9	number	number	NOUN
afbr-919	108	10	of	of	ADP
afbr-919	108	11	loans	loan	NOUN
afbr-919	108	12	that	that	PRON
afbr-919	108	13	will	will	AUX
afbr-919	108	14	turn	turn	VERB
afbr-919	108	15	into	into	ADP
afbr-919	108	16	npa	npa	NOUN
afbr-919	108	17	’s	’	NOUN
afbr-919	108	18	as	as	SCONJ
afbr-919	108	19	borrowers	borrower	NOUN
afbr-919	108	20	begin	begin	VERB
afbr-919	108	21	repayments	repayment	NOUN
afbr-919	108	22	after	after	ADP
afbr-919	108	23	the	the	DET
afbr-919	108	24	end	end	NOUN
afbr-919	108	25	of	of	ADP
afbr-919	108	26	the	the	DET
afbr-919	108	27	moratorium	moratorium	NOUN
afbr-919	108	28	.	.	PUNCT
afbr-919	109	1	economic	economic	ADJ
afbr-919	109	2	recovery	recovery	NOUN
afbr-919	109	3	is	be	AUX
afbr-919	109	4	expected	expect	VERB
afbr-919	109	5	to	to	PART
afbr-919	109	6	be	be	AUX
afbr-919	109	7	slow	slow	ADJ
afbr-919	109	8	which	which	PRON
afbr-919	109	9	along	along	ADP
afbr-919	109	10	with	with	ADP
afbr-919	109	11	the	the	DET
afbr-919	109	12	subdued	subdue	VERB
afbr-919	109	13	credit	credit	NOUN
afbr-919	109	14	growth	growth	NOUN
afbr-919	109	15	could	could	AUX
afbr-919	109	16	lead	lead	VERB
afbr-919	109	17	to	to	ADP
afbr-919	109	18	the	the	DET
afbr-919	109	19	bank	bank	NOUN
afbr-919	109	20	’s	’s	PART
afbr-919	109	21	interest	interest	NOUN
afbr-919	109	22	income	income	NOUN
afbr-919	109	23	becoming	become	VERB
afbr-919	109	24	limited	limited	ADJ
afbr-919	109	25	.	.	PUNCT
afbr-919	110	1	the	the	DET
afbr-919	110	2	effects	effect	NOUN
afbr-919	110	3	of	of	ADP
afbr-919	110	4	the	the	DET
afbr-919	110	5	extended	extended	ADJ
afbr-919	110	6	moratorium	moratorium	NOUN
afbr-919	110	7	could	could	AUX
afbr-919	110	8	be	be	AUX
afbr-919	110	9	reflected	reflect	VERB
afbr-919	110	10	on	on	ADP
afbr-919	110	11	the	the	DET
afbr-919	110	12	bank	bank	NOUN
afbr-919	110	13	’s	’s	PART
afbr-919	110	14	balance	balance	NOUN
afbr-919	110	15	sheets	sheet	NOUN
afbr-919	110	16	for	for	ADP
afbr-919	110	17	a	a	DET
afbr-919	110	18	prolonged	prolonged	ADJ
afbr-919	110	19	period	period	NOUN
afbr-919	110	20	.	.	PUNCT
afbr-919	111	1	additionally	additionally	ADV
afbr-919	111	2	,	,	PUNCT
afbr-919	111	3	if	if	SCONJ
afbr-919	111	4	the	the	DET
afbr-919	111	5	rate	rate	NOUN
afbr-919	111	6	of	of	ADP
afbr-919	111	7	growth	growth	NOUN
afbr-919	111	8	of	of	ADP
afbr-919	111	9	deposits	deposit	NOUN
afbr-919	111	10	becomes	become	VERB
afbr-919	111	11	roughly	roughly	ADV
afbr-919	111	12	twice	twice	DET
afbr-919	111	13	the	the	DET
afbr-919	111	14	rate	rate	NOUN
afbr-919	111	15	of	of	ADP
afbr-919	111	16	growth	growth	NOUN
afbr-919	111	17	of	of	ADP
afbr-919	111	18	credit	credit	NOUN
afbr-919	111	19	,	,	PUNCT
afbr-919	111	20	the	the	DET
afbr-919	111	21	banks	bank	NOUN
afbr-919	111	22	may	may	AUX
afbr-919	111	23	face	face	VERB
afbr-919	111	24	stress	stress	NOUN
afbr-919	111	25	on	on	ADP
afbr-919	111	26	their	their	PRON
afbr-919	111	27	balance	balance	NOUN
afbr-919	111	28	sheets	sheet	NOUN
afbr-919	111	29	.	.	PUNCT
afbr-919	112	1	if	if	SCONJ
afbr-919	112	2	the	the	DET
afbr-919	112	3	banks	bank	NOUN
afbr-919	112	4	slip	slip	VERB
afbr-919	112	5	into	into	ADP
afbr-919	112	6	the	the	DET
afbr-919	112	7	―pretend	―pretend	PROPN
afbr-919	112	8	and	and	CCONJ
afbr-919	112	9	extend‖	extend‖	PROPN
afbr-919	112	10	mode	mode	NOUN
afbr-919	112	11	,	,	PUNCT
afbr-919	112	12	where	where	SCONJ
afbr-919	112	13	loans	loan	NOUN
afbr-919	112	14	are	be	AUX
afbr-919	112	15	not	not	PART
afbr-919	112	16	recognized	recognize	VERB
afbr-919	112	17	as	as	ADP
afbr-919	112	18	bad	bad	ADJ
afbr-919	112	19	assets	asset	NOUN
afbr-919	112	20	and	and	CCONJ
afbr-919	112	21	the	the	DET
afbr-919	112	22	companies	company	NOUN
afbr-919	112	23	,	,	PUNCT
afbr-919	112	24	are	be	AUX
afbr-919	112	25	not	not	PART
afbr-919	112	26	taken	take	VERB
afbr-919	112	27	to	to	ADP
afbr-919	112	28	bankruptcy	bankruptcy	NOUN
afbr-919	112	29	courts	court	NOUN
afbr-919	112	30	,	,	PUNCT
afbr-919	112	31	the	the	DET
afbr-919	112	32	result	result	NOUN
afbr-919	112	33	could	could	AUX
afbr-919	112	34	be	be	AUX
afbr-919	112	35	similar	similar	ADJ
afbr-919	112	36	as	as	ADP
afbr-919	112	37	in	in	ADP
afbr-919	112	38	the	the	DET
afbr-919	112	39	pasta	pasta	NOUN
afbr-919	112	40	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	112	41	australian	australian	ADJ
afbr-919	112	42	finance	finance	NOUN
afbr-919	112	43	&	&	CCONJ
afbr-919	112	44	banking	banking	PROPN
afbr-919	112	45	review	review	PROPN
afbr-919	112	46	vol	vol	NOUN
afbr-919	112	47	.	.	PROPN
afbr-919	113	1	4	4	NUM
afbr-919	113	2	,	,	PUNCT
afbr-919	113	3	no	no	INTJ
afbr-919	113	4	.	.	NOUN
afbr-919	113	5	2	2	NUM
afbr-919	113	6	;	;	PUNCT
afbr-919	113	7	2020	2020	NUM
afbr-919	113	8	9	9	NUM
afbr-919	113	9	series	serie	NOUN
afbr-919	113	10	of	of	ADP
afbr-919	113	11	mistakes	mistake	NOUN
afbr-919	113	12	in	in	ADP
afbr-919	113	13	which	which	PRON
afbr-919	113	14	the	the	DET
afbr-919	113	15	borrowers	borrower	NOUN
afbr-919	113	16	with	with	ADP
afbr-919	113	17	the	the	DET
afbr-919	113	18	capacity	capacity	NOUN
afbr-919	113	19	to	to	PART
afbr-919	113	20	repay	repay	VERB
afbr-919	113	21	their	their	PRON
afbr-919	113	22	loans	loan	NOUN
afbr-919	113	23	do	do	AUX
afbr-919	113	24	n’t	not	PART
afbr-919	113	25	feel	feel	VERB
afbr-919	113	26	the	the	DET
afbr-919	113	27	pressure	pressure	NOUN
afbr-919	113	28	to	to	PART
afbr-919	113	29	do	do	AUX
afbr-919	113	30	so	so	ADV
afbr-919	113	31	.	.	PUNCT
afbr-919	114	1	as	as	ADP
afbr-919	114	2	per	per	ADP
afbr-919	114	3	moody	moody	NOUN
afbr-919	114	4	's	's	PART
afbr-919	114	5	,	,	PUNCT
afbr-919	114	6	retail	retail	ADJ
afbr-919	114	7	and	and	CCONJ
afbr-919	114	8	hotels	hotel	NOUN
afbr-919	114	9	,	,	PUNCT
afbr-919	114	10	oil	oil	NOUN
afbr-919	114	11	&	&	CCONJ
afbr-919	114	12	gas	gas	NOUN
afbr-919	114	13	,	,	PUNCT
afbr-919	114	14	transportation	transportation	NOUN
afbr-919	114	15	,	,	PUNCT
afbr-919	114	16	and	and	CCONJ
afbr-919	114	17	aviation	aviation	NOUN
afbr-919	114	18	are	be	AUX
afbr-919	114	19	the	the	DET
afbr-919	114	20	industries	industry	NOUN
afbr-919	114	21	where	where	SCONJ
afbr-919	114	22	the	the	DET
afbr-919	114	23	credit	credit	NOUN
afbr-919	114	24	shock	shock	NOUN
afbr-919	114	25	is	be	AUX
afbr-919	114	26	most	most	ADV
afbr-919	114	27	significant	significant	ADJ
afbr-919	114	28	.	.	PUNCT
afbr-919	115	1	once	once	SCONJ
afbr-919	115	2	the	the	DET
afbr-919	115	3	lockdown	lockdown	NOUN
afbr-919	115	4	restrictions	restriction	NOUN
afbr-919	115	5	have	have	AUX
afbr-919	115	6	been	be	AUX
afbr-919	115	7	lifted	lift	VERB
afbr-919	115	8	in	in	ADP
afbr-919	115	9	economies	economy	NOUN
afbr-919	115	10	across	across	ADP
afbr-919	115	11	asia	asia	PROPN
afbr-919	115	12	including	include	VERB
afbr-919	115	13	india	india	PROPN
afbr-919	115	14	,	,	PUNCT
afbr-919	115	15	the	the	DET
afbr-919	115	16	consumer	consumer	NOUN
afbr-919	115	17	trust	trust	NOUN
afbr-919	115	18	would	would	AUX
afbr-919	115	19	remain	remain	VERB
afbr-919	115	20	,	,	PUNCT
afbr-919	115	21	thereby	thereby	ADV
afbr-919	115	22	leading	lead	VERB
afbr-919	115	23	to	to	ADP
afbr-919	115	24	a	a	DET
afbr-919	115	25	continued	continue	VERB
afbr-919	115	26	burden	burden	NOUN
afbr-919	115	27	on	on	ADP
afbr-919	115	28	credit	credit	NOUN
afbr-919	115	29	quality	quality	NOUN
afbr-919	115	30	for	for	ADP
afbr-919	115	31	those	those	DET
afbr-919	115	32	industries	industry	NOUN
afbr-919	115	33	.	.	PUNCT
afbr-919	116	1	however	however	ADV
afbr-919	116	2	,	,	PUNCT
afbr-919	116	3	the	the	DET
afbr-919	116	4	long	long	ADJ
afbr-919	116	5	-	-	PUNCT
afbr-919	116	6	term	term	NOUN
afbr-919	116	7	shock	shock	NOUN
afbr-919	116	8	of	of	ADP
afbr-919	116	9	far	far	ADV
afbr-919	116	10	slower	slow	ADJ
afbr-919	116	11	inflation	inflation	NOUN
afbr-919	116	12	that	that	SCONJ
afbr-919	116	13	policy	policy	NOUN
afbr-919	116	14	support	support	NOUN
afbr-919	116	15	ca	can	AUX
afbr-919	116	16	n’t	not	PART
afbr-919	116	17	offset	offset	VERB
afbr-919	116	18	would	would	AUX
afbr-919	116	19	accelerate	accelerate	VERB
afbr-919	116	20	the	the	DET
afbr-919	116	21	debt	debt	NOUN
afbr-919	116	22	burden	burden	NOUN
afbr-919	116	23	from	from	ADP
afbr-919	116	24	already	already	ADV
afbr-919	116	25	high	high	ADJ
afbr-919	116	26	levels	level	NOUN
afbr-919	116	27	.	.	PUNCT
afbr-919	117	1	●	●	NUM
afbr-919	117	2	recapitalization	recapitalization	NOUN
afbr-919	117	3	-banks	-bank	NOUN
afbr-919	117	4	need	need	VERB
afbr-919	117	5	capital	capital	NOUN
afbr-919	117	6	to	to	PART
afbr-919	117	7	cope	cope	VERB
afbr-919	117	8	with	with	ADP
afbr-919	117	9	stress	stress	NOUN
afbr-919	117	10	in	in	ADP
afbr-919	117	11	their	their	PRON
afbr-919	117	12	books	book	NOUN
afbr-919	117	13	or	or	CCONJ
afbr-919	117	14	to	to	PART
afbr-919	117	15	expand	expand	VERB
afbr-919	117	16	their	their	PRON
afbr-919	117	17	ability	ability	NOUN
afbr-919	117	18	to	to	PART
afbr-919	117	19	lend	lend	VERB
afbr-919	117	20	.	.	PUNCT
afbr-919	118	1	if	if	SCONJ
afbr-919	118	2	stress	stress	NOUN
afbr-919	118	3	levels	level	NOUN
afbr-919	118	4	will	will	AUX
afbr-919	118	5	be	be	AUX
afbr-919	118	6	noticeable	noticeable	ADJ
afbr-919	118	7	in	in	ADP
afbr-919	118	8	the	the	DET
afbr-919	118	9	second	second	ADJ
afbr-919	118	10	half	half	NOUN
afbr-919	118	11	of	of	ADP
afbr-919	118	12	2020	2020	NUM
afbr-919	118	13	,	,	PUNCT
afbr-919	118	14	the	the	DET
afbr-919	118	15	need	need	NOUN
afbr-919	118	16	for	for	ADP
afbr-919	118	17	growth	growth	NOUN
afbr-919	118	18	resources	resource	NOUN
afbr-919	118	19	will	will	AUX
afbr-919	118	20	not	not	PART
afbr-919	118	21	be	be	AUX
afbr-919	118	22	much	much	ADV
afbr-919	118	23	as	as	SCONJ
afbr-919	118	24	economic	economic	ADJ
afbr-919	118	25	activity	activity	NOUN
afbr-919	118	26	will	will	AUX
afbr-919	118	27	take	take	VERB
afbr-919	118	28	some	some	DET
afbr-919	118	29	time	time	NOUN
afbr-919	118	30	to	to	PART
afbr-919	118	31	recover	recover	VERB
afbr-919	118	32	to	to	ADP
afbr-919	118	33	pre	pre	ADJ
afbr-919	118	34	-	-	ADJ
afbr-919	118	35	covid-19	covid-19	ADJ
afbr-919	118	36	levels	level	NOUN
afbr-919	118	37	.	.	PUNCT
afbr-919	119	1	the	the	DET
afbr-919	119	2	government	government	NOUN
afbr-919	119	3	has	have	AUX
afbr-919	119	4	infused	infuse	VERB
afbr-919	119	5	rs	rs	NOUN
afbr-919	119	6	3.5	3.5	NUM
afbr-919	119	7	trillion	trillion	NUM
afbr-919	119	8	in	in	ADP
afbr-919	119	9	psbs	psbs	NOUN
afbr-919	119	10	(	(	PUNCT
afbr-919	119	11	public	public	ADJ
afbr-919	119	12	sector	sector	NOUN
afbr-919	119	13	banks	bank	NOUN
afbr-919	119	14	)	)	PUNCT
afbr-919	119	15	over	over	ADP
afbr-919	119	16	the	the	DET
afbr-919	119	17	recent	recent	ADJ
afbr-919	119	18	years	year	NOUN
afbr-919	119	19	,	,	PUNCT
afbr-919	119	20	with	with	ADP
afbr-919	119	21	the	the	DET
afbr-919	119	22	last	last	ADJ
afbr-919	119	23	round	round	NOUN
afbr-919	119	24	of	of	ADP
afbr-919	119	25	recapitalization	recapitalization	NOUN
afbr-919	119	26	taking	take	VERB
afbr-919	119	27	place	place	NOUN
afbr-919	119	28	in	in	ADP
afbr-919	119	29	september	september	PROPN
afbr-919	119	30	2019	2019	NUM
afbr-919	119	31	,	,	PUNCT
afbr-919	119	32	when	when	SCONJ
afbr-919	119	33	the	the	DET
afbr-919	119	34	government	government	NOUN
afbr-919	119	35	agreed	agree	VERB
afbr-919	119	36	to	to	ADP
afbr-919	119	37	front	front	ADJ
afbr-919	119	38	-	-	PUNCT
afbr-919	119	39	load	load	NOUN
afbr-919	119	40	rs	rs	NOUN
afbr-919	119	41	70,000	70,000	NUM
afbr-919	119	42	into	into	ADP
afbr-919	119	43	banks	bank	NOUN
afbr-919	119	44	.	.	PUNCT
afbr-919	120	1	a	a	DET
afbr-919	120	2	majority	majority	NOUN
afbr-919	120	3	of	of	ADP
afbr-919	120	4	the	the	DET
afbr-919	120	5	capital	capital	NOUN
afbr-919	120	6	infusion	infusion	NOUN
afbr-919	120	7	has	have	AUX
afbr-919	120	8	taken	take	VERB
afbr-919	120	9	place	place	NOUN
afbr-919	120	10	through	through	ADP
afbr-919	120	11	the	the	DET
afbr-919	120	12	issuing	issuing	NOUN
afbr-919	120	13	of	of	ADP
afbr-919	120	14	bonds	bond	NOUN
afbr-919	120	15	,	,	PUNCT
afbr-919	120	16	which	which	PRON
afbr-919	120	17	do	do	AUX
afbr-919	120	18	not	not	PART
afbr-919	120	19	have	have	VERB
afbr-919	120	20	an	an	DET
afbr-919	120	21	immediate	immediate	ADJ
afbr-919	120	22	effect	effect	NOUN
afbr-919	120	23	on	on	ADP
afbr-919	120	24	the	the	DET
afbr-919	120	25	finances	finance	NOUN
afbr-919	120	26	of	of	ADP
afbr-919	120	27	the	the	DET
afbr-919	120	28	government	government	NOUN
afbr-919	120	29	but	but	CCONJ
afbr-919	120	30	will	will	AUX
afbr-919	120	31	become	become	VERB
afbr-919	120	32	the	the	DET
afbr-919	120	33	government	government	NOUN
afbr-919	120	34	's	's	PART
afbr-919	120	35	responsibility	responsibility	NOUN
afbr-919	120	36	for	for	ADP
afbr-919	120	37	interest	interest	NOUN
afbr-919	120	38	payments	payment	NOUN
afbr-919	120	39	in	in	ADP
afbr-919	120	40	the	the	DET
afbr-919	120	41	years	year	NOUN
afbr-919	120	42	to	to	PART
afbr-919	120	43	come	come	VERB
afbr-919	120	44	.	.	PUNCT
afbr-919	121	1	as	as	SCONJ
afbr-919	121	2	the	the	DET
afbr-919	121	3	government	government	NOUN
afbr-919	121	4	needs	need	VERB
afbr-919	121	5	to	to	PART
afbr-919	121	6	borrow	borrow	VERB
afbr-919	121	7	an	an	DET
afbr-919	121	8	extra	extra	ADJ
afbr-919	121	9	rs	rs	NOUN
afbr-919	121	10	4.2	4.2	NUM
afbr-919	121	11	trillion	trillion	NUM
afbr-919	121	12	against	against	ADP
afbr-919	121	13	rs	rs	PROPN
afbr-919	121	14	7.8	7.8	NUM
afbr-919	121	15	trillion	trillion	NUM
afbr-919	121	16	currently	currently	ADV
afbr-919	121	17	assigned	assign	VERB
afbr-919	121	18	in	in	ADP
afbr-919	121	19	the	the	DET
afbr-919	121	20	budget	budget	NOUN
afbr-919	121	21	,	,	PUNCT
afbr-919	121	22	the	the	DET
afbr-919	121	23	government	government	NOUN
afbr-919	121	24	's	's	PART
afbr-919	121	25	interest	interest	NOUN
afbr-919	121	26	burden	burden	NOUN
afbr-919	121	27	will	will	AUX
afbr-919	121	28	also	also	ADV
afbr-919	121	29	rise	rise	VERB
afbr-919	121	30	as	as	SCONJ
afbr-919	121	31	these	these	DET
afbr-919	121	32	bonds	bond	NOUN
afbr-919	121	33	are	be	AUX
afbr-919	121	34	up	up	ADP
afbr-919	121	35	for	for	ADP
afbr-919	121	36	redemption	redemption	NOUN
afbr-919	121	37	.	.	PUNCT
afbr-919	122	1	the	the	DET
afbr-919	122	2	recapitalization	recapitalization	NOUN
afbr-919	122	3	of	of	ADP
afbr-919	122	4	public	public	ADJ
afbr-919	122	5	sector	sector	NOUN
afbr-919	122	6	banks	bank	NOUN
afbr-919	122	7	is	be	AUX
afbr-919	122	8	going	go	VERB
afbr-919	122	9	to	to	PART
afbr-919	122	10	be	be	AUX
afbr-919	122	11	crucial	crucial	ADJ
afbr-919	122	12	in	in	ADP
afbr-919	122	13	the	the	DET
afbr-919	122	14	situation	situation	NOUN
afbr-919	122	15	of	of	ADP
afbr-919	122	16	likely	likely	ADJ
afbr-919	122	17	asset	asset	NOUN
afbr-919	122	18	quality	quality	NOUN
afbr-919	122	19	pressures	pressure	NOUN
afbr-919	122	20	on	on	ADP
afbr-919	122	21	indian	indian	ADJ
afbr-919	122	22	banks	bank	NOUN
afbr-919	122	23	.	.	PUNCT
afbr-919	123	1	―recapitalisation	―recapitalisation	NOUN
afbr-919	123	2	plans	plan	NOUN
afbr-919	123	3	for	for	ADP
afbr-919	123	4	public	public	ADJ
afbr-919	123	5	and	and	CCONJ
afbr-919	123	6	private	private	ADJ
afbr-919	123	7	sector	sector	NOUN
afbr-919	123	8	banks	bank	NOUN
afbr-919	123	9	assume	assume	VERB
afbr-919	123	10	critical	critical	ADJ
afbr-919	123	11	importance	importance	NOUN
afbr-919	123	12	.	.	PUNCT
afbr-919	124	1	the	the	DET
afbr-919	124	2	minimum	minimum	ADJ
afbr-919	124	3	capital	capital	NOUN
afbr-919	124	4	requirements	requirement	NOUN
afbr-919	124	5	,	,	PUNCT
afbr-919	124	6	which	which	PRON
afbr-919	124	7	are	be	AUX
afbr-919	124	8	calibrated	calibrate	VERB
afbr-919	124	9	based	base	VERB
afbr-919	124	10	on	on	ADP
afbr-919	124	11	historical	historical	ADJ
afbr-919	124	12	loss	loss	NOUN
afbr-919	124	13	events	event	NOUN
afbr-919	124	14	,	,	PUNCT
afbr-919	124	15	may	may	AUX
afbr-919	124	16	no	no	ADV
afbr-919	124	17	longer	long	ADV
afbr-919	124	18	suffice	suffice	VERB
afbr-919	124	19	to	to	PART
afbr-919	124	20	absorb	absorb	VERB
afbr-919	124	21	post	post	ADJ
afbr-919	124	22	-	-	ADJ
afbr-919	124	23	pandemic	pandemic	ADJ
afbr-919	124	24	losses,‖	losses,‖	PROPN
afbr-919	124	25	as	as	ADP
afbr-919	124	26	per	per	ADP
afbr-919	124	27	a	a	DET
afbr-919	124	28	statement	statement	NOUN
afbr-919	124	29	made	make	VERB
afbr-919	124	30	by	by	ADP
afbr-919	124	31	the	the	DET
afbr-919	124	32	rbi	rbi	NOUN
afbr-919	124	33	.	.	PUNCT
afbr-919	125	1	additionally	additionally	ADV
afbr-919	125	2	,	,	PUNCT
afbr-919	125	3	the	the	DET
afbr-919	125	4	rbi	rbi	NOUN
afbr-919	125	5	governor	governor	NOUN
afbr-919	125	6	has	have	AUX
afbr-919	125	7	asked	ask	VERB
afbr-919	125	8	banks	bank	NOUN
afbr-919	125	9	to	to	PART
afbr-919	125	10	be	be	AUX
afbr-919	125	11	prepared	prepare	VERB
afbr-919	125	12	for	for	ADP
afbr-919	125	13	a	a	DET
afbr-919	125	14	bad	bad	ADJ
afbr-919	125	15	loan	loan	NOUN
afbr-919	125	16	shock	shock	NOUN
afbr-919	125	17	due	due	ADP
afbr-919	125	18	to	to	PART
afbr-919	125	19	covid	covid	VERB
afbr-919	125	20	by	by	ADP
afbr-919	125	21	enhancing	enhance	VERB
afbr-919	125	22	their	their	PRON
afbr-919	125	23	capital	capital	NOUN
afbr-919	125	24	strength	strength	NOUN
afbr-919	125	25	.	.	PUNCT
afbr-919	126	1	●	●	PUNCT
afbr-919	126	2	lending	lending	NOUN
afbr-919	126	3	ability	ability	NOUN
afbr-919	126	4	of	of	ADP
afbr-919	126	5	banks	bank	NOUN
afbr-919	126	6	-fundamentally	-fundamentally	ADV
afbr-919	126	7	,	,	PUNCT
afbr-919	126	8	the	the	DET
afbr-919	126	9	health	health	NOUN
afbr-919	126	10	of	of	ADP
afbr-919	126	11	every	every	DET
afbr-919	126	12	lending	lending	NOUN
afbr-919	126	13	institution	institution	NOUN
afbr-919	126	14	depends	depend	VERB
afbr-919	126	15	primarily	primarily	ADV
afbr-919	126	16	on	on	ADP
afbr-919	126	17	its	its	PRON
afbr-919	126	18	liquidity	liquidity	NOUN
afbr-919	126	19	and	and	CCONJ
afbr-919	126	20	income	income	NOUN
afbr-919	126	21	-	-	PUNCT
afbr-919	126	22	both	both	PRON
afbr-919	126	23	of	of	ADP
afbr-919	126	24	which	which	PRON
afbr-919	126	25	affect	affect	VERB
afbr-919	126	26	its	its	PRON
afbr-919	126	27	lending	lending	NOUN
afbr-919	126	28	ability	ability	NOUN
afbr-919	126	29	.	.	PUNCT
afbr-919	127	1	if	if	SCONJ
afbr-919	127	2	the	the	DET
afbr-919	127	3	moratorium	moratorium	NOUN
afbr-919	127	4	results	result	VERB
afbr-919	127	5	in	in	ADP
afbr-919	127	6	high	high	ADJ
afbr-919	127	7	bad	bad	ADJ
afbr-919	127	8	loans	loan	NOUN
afbr-919	127	9	and	and	CCONJ
afbr-919	127	10	low	low	ADJ
afbr-919	127	11	incomes	income	NOUN
afbr-919	127	12	,	,	PUNCT
afbr-919	127	13	the	the	DET
afbr-919	127	14	stability	stability	NOUN
afbr-919	127	15	of	of	ADP
afbr-919	127	16	the	the	DET
afbr-919	127	17	financial	financial	ADJ
afbr-919	127	18	institutions	institution	NOUN
afbr-919	127	19	would	would	AUX
afbr-919	127	20	be	be	AUX
afbr-919	127	21	adversely	adversely	ADV
afbr-919	127	22	affected	affect	VERB
afbr-919	127	23	and	and	CCONJ
afbr-919	127	24	may	may	AUX
afbr-919	127	25	lead	lead	VERB
afbr-919	127	26	to	to	ADP
afbr-919	127	27	a	a	DET
afbr-919	127	28	ban	ban	NOUN
afbr-919	127	29	on	on	ADP
afbr-919	127	30	lending	lending	NOUN
afbr-919	127	31	in	in	ADP
afbr-919	127	32	compliance	compliance	NOUN
afbr-919	127	33	with	with	ADP
afbr-919	127	34	existing	exist	VERB
afbr-919	127	35	regulatory	regulatory	ADJ
afbr-919	127	36	requirements	requirement	NOUN
afbr-919	127	37	.	.	PUNCT
afbr-919	128	1	with	with	ADP
afbr-919	128	2	this	this	DET
afbr-919	128	3	aspect	aspect	NOUN
afbr-919	128	4	in	in	ADP
afbr-919	128	5	mind	mind	NOUN
afbr-919	128	6	,	,	PUNCT
afbr-919	128	7	the	the	DET
afbr-919	128	8	rbi	rbi	NOUN
afbr-919	128	9	has	have	AUX
afbr-919	128	10	now	now	ADV
afbr-919	128	11	authorized	authorize	VERB
afbr-919	128	12	a	a	DET
afbr-919	128	13	one	one	NUM
afbr-919	128	14	-	-	PUNCT
afbr-919	128	15	time	time	NOUN
afbr-919	128	16	restructuring	restructuring	NOUN
afbr-919	128	17	of	of	ADP
afbr-919	128	18	loans	loan	NOUN
afbr-919	128	19	without	without	ADP
afbr-919	128	20	classifying	classify	VERB
afbr-919	128	21	them	they	PRON
afbr-919	128	22	as	as	ADP
afbr-919	128	23	bad	bad	ADJ
afbr-919	128	24	loans	loan	NOUN
afbr-919	128	25	,	,	PUNCT
afbr-919	128	26	subject	subject	ADJ
afbr-919	128	27	to	to	ADP
afbr-919	128	28	certain	certain	ADJ
afbr-919	128	29	criteria	criterion	NOUN
afbr-919	128	30	(	(	PUNCT
afbr-919	128	31	which	which	PRON
afbr-919	128	32	are	be	AUX
afbr-919	128	33	yet	yet	ADV
afbr-919	128	34	to	to	PART
afbr-919	128	35	be	be	AUX
afbr-919	128	36	notified	notify	VERB
afbr-919	128	37	)	)	PUNCT
afbr-919	128	38	.	.	PUNCT
afbr-919	129	1	also	also	ADV
afbr-919	129	2	,	,	PUNCT
afbr-919	129	3	if	if	SCONJ
afbr-919	129	4	the	the	DET
afbr-919	129	5	borrower	borrower	NOUN
afbr-919	129	6	is	be	AUX
afbr-919	129	7	under	under	ADP
afbr-919	129	8	actual	actual	ADJ
afbr-919	129	9	financial	financial	ADJ
afbr-919	129	10	hardship	hardship	NOUN
afbr-919	129	11	,	,	PUNCT
afbr-919	129	12	the	the	DET
afbr-919	129	13	banks	bank	NOUN
afbr-919	129	14	can	can	AUX
afbr-919	129	15	opt	opt	VERB
afbr-919	129	16	to	to	PART
afbr-919	129	17	restructure	restructure	VERB
afbr-919	129	18	the	the	DET
afbr-919	129	19	loan	loan	NOUN
afbr-919	129	20	on	on	ADP
afbr-919	129	21	more	more	ADV
afbr-919	129	22	reasonable	reasonable	ADJ
afbr-919	129	23	terms	term	NOUN
afbr-919	129	24	(	(	PUNCT
afbr-919	129	25	increased	increase	VERB
afbr-919	129	26	tenure	tenure	NOUN
afbr-919	129	27	,	,	PUNCT
afbr-919	129	28	decreased	decrease	VERB
afbr-919	129	29	interest	interest	NOUN
afbr-919	129	30	,	,	PUNCT
afbr-919	129	31	etc	etc	X
afbr-919	129	32	.	.	X
afbr-919	129	33	)	)	PUNCT
afbr-919	129	34	against	against	ADP
afbr-919	129	35	a	a	DET
afbr-919	129	36	general	general	ADJ
afbr-919	129	37	deferral	deferral	NOUN
afbr-919	129	38	of	of	ADP
afbr-919	129	39	repayments	repayment	NOUN
afbr-919	129	40	.	.	PUNCT
afbr-919	130	1	●	●	PUNCT
afbr-919	130	2	the	the	DET
afbr-919	130	3	profitability	profitability	NOUN
afbr-919	130	4	of	of	ADP
afbr-919	130	5	banks	bank	NOUN
afbr-919	130	6	the	the	DET
afbr-919	130	7	loan	loan	NOUN
afbr-919	130	8	moratorium	moratorium	NOUN
afbr-919	130	9	could	could	AUX
afbr-919	130	10	continue	continue	VERB
afbr-919	130	11	to	to	PART
afbr-919	130	12	shift	shift	VERB
afbr-919	130	13	the	the	DET
afbr-919	130	14	credit	credit	NOUN
afbr-919	130	15	environment	environment	NOUN
afbr-919	130	16	of	of	ADP
afbr-919	130	17	the	the	DET
afbr-919	130	18	banking	banking	NOUN
afbr-919	130	19	sector	sector	NOUN
afbr-919	130	20	.	.	PUNCT
afbr-919	131	1	similar	similar	ADJ
afbr-919	131	2	changes	change	NOUN
afbr-919	131	3	by	by	ADP
afbr-919	131	4	different	different	ADJ
afbr-919	131	5	countries	country	NOUN
afbr-919	131	6	across	across	ADP
afbr-919	131	7	asia	asia	PROPN
afbr-919	131	8	would	would	AUX
afbr-919	131	9	only	only	ADV
afbr-919	131	10	help	help	VERB
afbr-919	131	11	to	to	PART
afbr-919	131	12	alleviate	alleviate	VERB
afbr-919	131	13	credit	credit	NOUN
afbr-919	131	14	-	-	PUNCT
afbr-919	131	15	negative	negative	ADJ
afbr-919	131	16	strains	strain	NOUN
afbr-919	131	17	on	on	ADP
afbr-919	131	18	banks	bank	NOUN
afbr-919	131	19	,	,	PUNCT
afbr-919	131	20	businesses	business	NOUN
afbr-919	131	21	,	,	PUNCT
afbr-919	131	22	and	and	CCONJ
afbr-919	131	23	the	the	DET
afbr-919	131	24	wider	wide	ADJ
afbr-919	131	25	economy	economy	NOUN
afbr-919	131	26	.	.	PUNCT
afbr-919	132	1	these	these	DET
afbr-919	132	2	measures	measure	NOUN
afbr-919	132	3	will	will	AUX
afbr-919	132	4	not	not	PART
afbr-919	132	5	completely	completely	ADV
afbr-919	132	6	compensate	compensate	VERB
afbr-919	132	7	for	for	ADP
afbr-919	132	8	credit	credit	NOUN
afbr-919	132	9	and	and	CCONJ
afbr-919	132	10	economic	economic	ADJ
afbr-919	132	11	disruption	disruption	NOUN
afbr-919	132	12	.	.	PUNCT
afbr-919	133	1	the	the	DET
afbr-919	133	2	moratorium	moratorium	NOUN
afbr-919	133	3	period	period	NOUN
afbr-919	133	4	would	would	AUX
afbr-919	133	5	put	put	VERB
afbr-919	133	6	the	the	DET
afbr-919	133	7	payment	payment	NOUN
afbr-919	133	8	deadline	deadline	NOUN
afbr-919	133	9	back	back	ADV
afbr-919	133	10	by	by	ADP
afbr-919	133	11	six	six	NUM
afbr-919	133	12	months	month	NOUN
afbr-919	133	13	for	for	ADP
afbr-919	133	14	accounts	account	NOUN
afbr-919	133	15	that	that	PRON
afbr-919	133	16	take	take	VERB
afbr-919	133	17	the	the	DET
afbr-919	133	18	option	option	NOUN
afbr-919	133	19	.	.	PUNCT
afbr-919	134	1	despite	despite	SCONJ
afbr-919	134	2	the	the	DET
afbr-919	134	3	chance	chance	NOUN
afbr-919	134	4	of	of	ADP
afbr-919	134	5	improved	improved	ADJ
afbr-919	134	6	credit	credit	NOUN
afbr-919	134	7	quality	quality	NOUN
afbr-919	134	8	for	for	ADP
afbr-919	134	9	larger	large	ADJ
afbr-919	134	10	companies	company	NOUN
afbr-919	134	11	through	through	ADP
afbr-919	134	12	policy	policy	NOUN
afbr-919	134	13	support	support	NOUN
afbr-919	134	14	,	,	PUNCT
afbr-919	134	15	the	the	DET
afbr-919	134	16	profitability	profitability	NOUN
afbr-919	134	17	of	of	ADP
afbr-919	134	18	the	the	DET
afbr-919	134	19	indian	indian	ADJ
afbr-919	134	20	banking	banking	NOUN
afbr-919	134	21	sector	sector	NOUN
afbr-919	134	22	will	will	AUX
afbr-919	134	23	decline	decline	VERB
afbr-919	134	24	.	.	PUNCT
afbr-919	135	1	this	this	PRON
afbr-919	135	2	is	be	AUX
afbr-919	135	3	mainly	mainly	ADV
afbr-919	135	4	due	due	ADJ
afbr-919	135	5	to	to	ADP
afbr-919	135	6	the	the	DET
afbr-919	135	7	lower	low	ADJ
afbr-919	135	8	net	net	ADJ
afbr-919	135	9	interest	interest	NOUN
afbr-919	135	10	margins	margin	NOUN
afbr-919	135	11	and	and	CCONJ
afbr-919	135	12	weakening	weaken	VERB
afbr-919	135	13	asset	asset	NOUN
afbr-919	135	14	quality	quality	NOUN
afbr-919	135	15	.	.	PUNCT
afbr-919	136	1	financial	financial	ADJ
afbr-919	136	2	authorities	authority	NOUN
afbr-919	136	3	in	in	ADP
afbr-919	136	4	several	several	ADJ
afbr-919	136	5	asian	asian	ADJ
afbr-919	136	6	economies	economy	NOUN
afbr-919	136	7	such	such	ADJ
afbr-919	136	8	as	as	ADP
afbr-919	136	9	india	india	PROPN
afbr-919	136	10	,	,	PUNCT
afbr-919	136	11	china	china	PROPN
afbr-919	136	12	,	,	PUNCT
afbr-919	136	13	and	and	CCONJ
afbr-919	136	14	malaysia	malaysia	PROPN
afbr-919	136	15	have	have	VERB
afbr-919	136	16	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	136	17	australian	australian	ADJ
afbr-919	136	18	finance	finance	NOUN
afbr-919	136	19	&	&	CCONJ
afbr-919	136	20	banking	banking	PROPN
afbr-919	136	21	review	review	PROPN
afbr-919	136	22	vol	vol	NOUN
afbr-919	136	23	.	.	PROPN
afbr-919	137	1	4	4	NUM
afbr-919	137	2	,	,	PUNCT
afbr-919	137	3	no	no	INTJ
afbr-919	137	4	.	.	NOUN
afbr-919	137	5	2	2	NUM
afbr-919	137	6	;	;	PUNCT
afbr-919	137	7	2020	2020	NUM
afbr-919	137	8	10	10	NUM
afbr-919	137	9	introduced	introduce	VERB
afbr-919	137	10	debt	debt	NOUN
afbr-919	137	11	moratoriums	moratorium	NOUN
afbr-919	137	12	to	to	PART
afbr-919	137	13	relieve	relieve	VERB
afbr-919	137	14	the	the	DET
afbr-919	137	15	cash	cash	NOUN
afbr-919	137	16	crisis	crisis	NOUN
afbr-919	137	17	for	for	ADP
afbr-919	137	18	individuals	individual	NOUN
afbr-919	137	19	and	and	CCONJ
afbr-919	137	20	companies	company	NOUN
afbr-919	137	21	.	.	PUNCT
afbr-919	138	1	a	a	DET
afbr-919	138	2	delay	delay	NOUN
afbr-919	138	3	in	in	ADP
afbr-919	138	4	redemption	redemption	NOUN
afbr-919	138	5	will	will	AUX
afbr-919	138	6	bring	bring	VERB
afbr-919	138	7	immediate	immediate	ADJ
afbr-919	138	8	relief	relief	NOUN
afbr-919	138	9	to	to	ADP
afbr-919	138	10	borrowers	borrower	NOUN
afbr-919	138	11	but	but	CCONJ
afbr-919	138	12	these	these	DET
afbr-919	138	13	measures	measure	NOUN
afbr-919	138	14	will	will	AUX
afbr-919	138	15	also	also	ADV
afbr-919	138	16	limit	limit	VERB
afbr-919	138	17	the	the	DET
afbr-919	138	18	ability	ability	NOUN
afbr-919	138	19	of	of	ADP
afbr-919	138	20	banks	bank	NOUN
afbr-919	138	21	to	to	PART
afbr-919	138	22	take	take	VERB
afbr-919	138	23	constructive	constructive	ADJ
afbr-919	138	24	recovery	recovery	NOUN
afbr-919	138	25	and	and	CCONJ
afbr-919	138	26	turnaround	turnaround	NOUN
afbr-919	138	27	steps	step	NOUN
afbr-919	138	28	.	.	PUNCT
afbr-919	139	1	due	due	ADP
afbr-919	139	2	to	to	ADP
afbr-919	139	3	this	this	PRON
afbr-919	139	4	,	,	PUNCT
afbr-919	139	5	an	an	DET
afbr-919	139	6	even	even	ADV
afbr-919	139	7	larger	large	ADJ
afbr-919	139	8	accumulation	accumulation	NOUN
afbr-919	139	9	of	of	ADP
afbr-919	139	10	credit	credit	NOUN
afbr-919	139	11	-	-	PUNCT
afbr-919	139	12	defaults	default	NOUN
afbr-919	139	13	could	could	AUX
afbr-919	139	14	take	take	VERB
afbr-919	139	15	place	place	NOUN
afbr-919	139	16	until	until	SCONJ
afbr-919	139	17	the	the	DET
afbr-919	139	18	moratoriums	moratorium	NOUN
afbr-919	139	19	are	be	AUX
afbr-919	139	20	lifted	lift	VERB
afbr-919	139	21	.	.	PUNCT
afbr-919	140	1	interest	interest	NOUN
afbr-919	140	2	waiver	waiver	NOUN
afbr-919	140	3	and	and	CCONJ
afbr-919	140	4	its	its	PRON
afbr-919	140	5	implications	implication	NOUN
afbr-919	140	6	for	for	ADP
afbr-919	140	7	banks	bank	NOUN
afbr-919	140	8	on	on	ADP
afbr-919	140	9	23	23	NUM
afbr-919	140	10	october	october	PROPN
afbr-919	140	11	2020	2020	NUM
afbr-919	140	12	,	,	PUNCT
afbr-919	140	13	the	the	DET
afbr-919	140	14	government	government	NOUN
afbr-919	140	15	declared	declare	VERB
afbr-919	140	16	an	an	DET
afbr-919	140	17	ex	ex	NOUN
afbr-919	140	18	-	-	NOUN
afbr-919	140	19	gratia	gratia	ADJ
afbr-919	140	20	scheme	scheme	NOUN
afbr-919	140	21	for	for	ADP
afbr-919	140	22	the	the	DET
afbr-919	140	23	exemption	exemption	NOUN
afbr-919	140	24	from	from	ADP
afbr-919	140	25	interest	interest	NOUN
afbr-919	140	26	-	-	PUNCT
afbr-919	140	27	on	on	ADP
afbr-919	140	28	-	-	PUNCT
afbr-919	140	29	interest	interest	NOUN
afbr-919	140	30	to	to	PART
afbr-919	140	31	offer	offer	VERB
afbr-919	140	32	some	some	DET
afbr-919	140	33	relief	relief	NOUN
afbr-919	140	34	and	and	CCONJ
afbr-919	140	35	financial	financial	ADJ
afbr-919	140	36	assistance	assistance	NOUN
afbr-919	140	37	to	to	ADP
afbr-919	140	38	borrowers	borrower	NOUN
afbr-919	140	39	who	who	PRON
afbr-919	140	40	may	may	AUX
afbr-919	140	41	face	face	VERB
afbr-919	140	42	financial	financial	ADJ
afbr-919	140	43	difficulty	difficulty	NOUN
afbr-919	140	44	due	due	ADP
afbr-919	140	45	to	to	ADP
afbr-919	140	46	covid-19	covid-19	PROPN
afbr-919	140	47	.	.	PUNCT
afbr-919	141	1	under	under	ADP
afbr-919	141	2	this	this	PRON
afbr-919	141	3	,	,	PUNCT
afbr-919	141	4	the	the	DET
afbr-919	141	5	government	government	NOUN
afbr-919	141	6	would	would	AUX
afbr-919	141	7	pay	pay	VERB
afbr-919	141	8	for	for	ADP
afbr-919	141	9	interest	interest	NOUN
afbr-919	141	10	incurred	incur	VERB
afbr-919	141	11	on	on	ADP
afbr-919	141	12	interest	interest	NOUN
afbr-919	141	13	levied	levy	VERB
afbr-919	141	14	during	during	ADP
afbr-919	141	15	the	the	DET
afbr-919	141	16	moratorium	moratorium	NOUN
afbr-919	141	17	and	and	CCONJ
afbr-919	141	18	not	not	PART
afbr-919	141	19	the	the	DET
afbr-919	141	20	complete	complete	ADJ
afbr-919	141	21	outstanding	outstanding	ADJ
afbr-919	141	22	interest	interest	NOUN
afbr-919	141	23	during	during	ADP
afbr-919	141	24	the	the	DET
afbr-919	141	25	period	period	NOUN
afbr-919	141	26	.	.	PUNCT
afbr-919	142	1	the	the	DET
afbr-919	142	2	incentive	incentive	NOUN
afbr-919	142	3	applies	apply	VERB
afbr-919	142	4	to	to	ADP
afbr-919	142	5	all	all	DET
afbr-919	142	6	borrowers	borrower	NOUN
afbr-919	142	7	with	with	ADP
afbr-919	142	8	any	any	DET
afbr-919	142	9	unpaid	unpaid	ADJ
afbr-919	142	10	debt	debt	NOUN
afbr-919	142	11	,	,	PUNCT
afbr-919	142	12	including	include	VERB
afbr-919	142	13	credit	credit	NOUN
afbr-919	142	14	card	card	NOUN
afbr-919	142	15	fees	fee	NOUN
afbr-919	142	16	and	and	CCONJ
afbr-919	142	17	housing	housing	NOUN
afbr-919	142	18	,	,	PUNCT
afbr-919	142	19	school	school	NOUN
afbr-919	142	20	,	,	PUNCT
afbr-919	142	21	auto	auto	NOUN
afbr-919	142	22	,	,	PUNCT
afbr-919	142	23	personal	personal	ADJ
afbr-919	142	24	,	,	PUNCT
afbr-919	142	25	and	and	CCONJ
afbr-919	142	26	consumer	consumer	NOUN
afbr-919	142	27	loans	loan	NOUN
afbr-919	142	28	up	up	ADP
afbr-919	142	29	to	to	ADP
afbr-919	142	30	a	a	DET
afbr-919	142	31	limit	limit	NOUN
afbr-919	142	32	of	of	ADP
afbr-919	142	33	₹	₹	NOUN
afbr-919	142	34	2	2	NUM
afbr-919	142	35	crores	crore	NOUN
afbr-919	142	36	as	as	ADP
afbr-919	142	37	of	of	ADP
afbr-919	142	38	29	29	NUM
afbr-919	142	39	february	february	NOUN
afbr-919	142	40	2020	2020	NUM
afbr-919	142	41	.	.	PUNCT
afbr-919	143	1	the	the	DET
afbr-919	143	2	advantage	advantage	NOUN
afbr-919	143	3	would	would	AUX
afbr-919	143	4	be	be	AUX
afbr-919	143	5	open	open	ADJ
afbr-919	143	6	to	to	ADP
afbr-919	143	7	those	those	PRON
afbr-919	143	8	who	who	PRON
afbr-919	143	9	have	have	AUX
afbr-919	143	10	not	not	PART
afbr-919	143	11	opted	opt	VERB
afbr-919	143	12	for	for	ADP
afbr-919	143	13	a	a	DET
afbr-919	143	14	moratorium	moratorium	NOUN
afbr-919	143	15	.	.	PUNCT
afbr-919	144	1	according	accord	VERB
afbr-919	144	2	to	to	ADP
afbr-919	144	3	the	the	DET
afbr-919	144	4	guidelines	guideline	NOUN
afbr-919	144	5	provided	provide	VERB
afbr-919	144	6	by	by	ADP
afbr-919	144	7	the	the	DET
afbr-919	144	8	government	government	NOUN
afbr-919	144	9	,	,	PUNCT
afbr-919	144	10	the	the	DET
afbr-919	144	11	relief	relief	NOUN
afbr-919	144	12	would	would	AUX
afbr-919	144	13	be	be	AUX
afbr-919	144	14	proportional	proportional	ADJ
afbr-919	144	15	to	to	ADP
afbr-919	144	16	the	the	DET
afbr-919	144	17	difference	difference	NOUN
afbr-919	144	18	between	between	ADP
afbr-919	144	19	compound	compound	NOUN
afbr-919	144	20	interest	interest	NOUN
afbr-919	144	21	and	and	CCONJ
afbr-919	144	22	basic	basic	ADJ
afbr-919	144	23	interest	interest	NOUN
afbr-919	144	24	over	over	ADP
afbr-919	144	25	six	six	NUM
afbr-919	144	26	months	month	NOUN
afbr-919	144	27	.	.	PUNCT
afbr-919	145	1	the	the	DET
afbr-919	145	2	calculation	calculation	NOUN
afbr-919	145	3	would	would	AUX
afbr-919	145	4	be	be	AUX
afbr-919	145	5	the	the	DET
afbr-919	145	6	same	same	ADJ
afbr-919	145	7	for	for	ADP
afbr-919	145	8	all	all	DET
afbr-919	145	9	borrowers	borrower	NOUN
afbr-919	145	10	—	—	PUNCT
afbr-919	145	11	those	those	PRON
afbr-919	145	12	who	who	PRON
afbr-919	145	13	did	do	AUX
afbr-919	145	14	not	not	PART
afbr-919	145	15	apply	apply	VERB
afbr-919	145	16	for	for	ADP
afbr-919	145	17	a	a	DET
afbr-919	145	18	moratorium	moratorium	NOUN
afbr-919	145	19	,	,	PUNCT
afbr-919	145	20	those	those	PRON
afbr-919	145	21	who	who	PRON
afbr-919	145	22	opted	opt	VERB
afbr-919	145	23	for	for	ADP
afbr-919	145	24	a	a	DET
afbr-919	145	25	six	six	NUM
afbr-919	145	26	-	-	PUNCT
afbr-919	145	27	month	month	NOUN
afbr-919	145	28	moratorium	moratorium	NOUN
afbr-919	145	29	,	,	PUNCT
afbr-919	145	30	and	and	CCONJ
afbr-919	145	31	those	those	PRON
afbr-919	145	32	who	who	PRON
afbr-919	145	33	opted	opt	VERB
afbr-919	145	34	for	for	ADP
afbr-919	145	35	a	a	DET
afbr-919	145	36	moratorium	moratorium	NOUN
afbr-919	145	37	of	of	ADP
afbr-919	145	38	fewer	few	ADJ
afbr-919	145	39	than	than	ADP
afbr-919	145	40	six	six	NUM
afbr-919	145	41	months	month	NOUN
afbr-919	145	42	.	.	PUNCT
afbr-919	146	1	it	it	PRON
afbr-919	146	2	is	be	AUX
afbr-919	146	3	,	,	PUNCT
afbr-919	146	4	however	however	ADV
afbr-919	146	5	,	,	PUNCT
afbr-919	146	6	not	not	PART
afbr-919	146	7	eligible	eligible	ADJ
afbr-919	146	8	on	on	ADP
afbr-919	146	9	fixed	fix	VERB
afbr-919	146	10	deposit	deposit	NOUN
afbr-919	146	11	loans	loan	NOUN
afbr-919	146	12	and	and	CCONJ
afbr-919	146	13	loans	loan	NOUN
afbr-919	146	14	that	that	PRON
afbr-919	146	15	were	be	AUX
afbr-919	146	16	defaulted	default	VERB
afbr-919	146	17	on	on	ADP
afbr-919	146	18	,	,	PUNCT
afbr-919	146	19	on	on	ADP
afbr-919	146	20	or	or	CCONJ
afbr-919	146	21	before	before	ADP
afbr-919	146	22	29	29	NUM
afbr-919	146	23	february	february	NOUN
afbr-919	146	24	.	.	PUNCT
afbr-919	147	1	after	after	ADP
afbr-919	147	2	crediting	credit	VERB
afbr-919	147	3	the	the	DET
afbr-919	147	4	amount	amount	NOUN
afbr-919	147	5	,	,	PUNCT
afbr-919	147	6	lending	lending	NOUN
afbr-919	147	7	institutions	institution	NOUN
afbr-919	147	8	will	will	AUX
afbr-919	147	9	claim	claim	VERB
afbr-919	147	10	the	the	DET
afbr-919	147	11	reimbursement	reimbursement	NOUN
afbr-919	147	12	from	from	ADP
afbr-919	147	13	the	the	DET
afbr-919	147	14	central	central	ADJ
afbr-919	147	15	governments	government	NOUN
afbr-919	147	16	thereby	thereby	ADV
afbr-919	147	17	diminishing	diminish	VERB
afbr-919	147	18	the	the	DET
afbr-919	147	19	likelihood	likelihood	NOUN
afbr-919	147	20	of	of	ADP
afbr-919	147	21	any	any	DET
afbr-919	147	22	adverse	adverse	ADJ
afbr-919	147	23	effects	effect	NOUN
afbr-919	147	24	on	on	ADP
afbr-919	147	25	the	the	DET
afbr-919	147	26	banking	banking	NOUN
afbr-919	147	27	sector	sector	NOUN
afbr-919	147	28	.	.	PUNCT
afbr-919	148	1	however	however	ADV
afbr-919	148	2	,	,	PUNCT
afbr-919	148	3	for	for	ADP
afbr-919	148	4	indian	indian	ADJ
afbr-919	148	5	lending	lending	NOUN
afbr-919	148	6	institutions	institution	NOUN
afbr-919	148	7	with	with	ADP
afbr-919	148	8	over	over	ADP
afbr-919	148	9	$	$	SYM
afbr-919	148	10	120	120	NUM
afbr-919	148	11	billion	billion	NUM
afbr-919	148	12	of	of	ADP
afbr-919	148	13	bad	bad	ADJ
afbr-919	148	14	loans	loan	NOUN
afbr-919	148	15	and	and	CCONJ
afbr-919	148	16	the	the	DET
afbr-919	148	17	covid-19	covid-19	PROPN
afbr-919	148	18	induced	induce	VERB
afbr-919	148	19	collapse	collapse	NOUN
afbr-919	148	20	in	in	ADP
afbr-919	148	21	the	the	DET
afbr-919	148	22	demand	demand	NOUN
afbr-919	148	23	,	,	PUNCT
afbr-919	148	24	the	the	DET
afbr-919	148	25	waiver	waiver	NOUN
afbr-919	148	26	will	will	AUX
afbr-919	148	27	further	far	ADV
afbr-919	148	28	stress	stress	VERB
afbr-919	148	29	the	the	DET
afbr-919	148	30	already	already	ADV
afbr-919	148	31	severely	severely	ADV
afbr-919	148	32	stressed	stress	VERB
afbr-919	148	33	balance	balance	NOUN
afbr-919	148	34	sheets	sheet	NOUN
afbr-919	148	35	of	of	ADP
afbr-919	148	36	the	the	DET
afbr-919	148	37	banks	bank	NOUN
afbr-919	148	38	.	.	PUNCT
afbr-919	149	1	further	far	ADV
afbr-919	149	2	,	,	PUNCT
afbr-919	149	3	the	the	DET
afbr-919	149	4	lending	lending	NOUN
afbr-919	149	5	institutions	institution	NOUN
afbr-919	149	6	will	will	AUX
afbr-919	149	7	have	have	VERB
afbr-919	149	8	to	to	PART
afbr-919	149	9	recalculate	recalculate	VERB
afbr-919	149	10	the	the	DET
afbr-919	149	11	millions	million	NOUN
afbr-919	149	12	of	of	ADP
afbr-919	149	13	loans	loan	NOUN
afbr-919	149	14	and	and	CCONJ
afbr-919	149	15	may	may	AUX
afbr-919	149	16	also	also	ADV
afbr-919	149	17	have	have	VERB
afbr-919	149	18	to	to	PART
afbr-919	149	19	wait	wait	VERB
afbr-919	149	20	nine	nine	NUM
afbr-919	149	21	to	to	PART
afbr-919	149	22	24	24	NUM
afbr-919	149	23	months	month	NOUN
afbr-919	149	24	to	to	PART
afbr-919	149	25	get	get	VERB
afbr-919	149	26	the	the	DET
afbr-919	149	27	funds	fund	NOUN
afbr-919	149	28	from	from	ADP
afbr-919	149	29	the	the	DET
afbr-919	149	30	government	government	NOUN
afbr-919	149	31	,	,	PUNCT
afbr-919	149	32	increasing	increase	VERB
afbr-919	149	33	the	the	DET
afbr-919	149	34	burden	burden	NOUN
afbr-919	149	35	on	on	ADP
afbr-919	149	36	the	the	DET
afbr-919	149	37	institutions	institution	NOUN
afbr-919	149	38	.	.	PUNCT
afbr-919	150	1	india	india	PROPN
afbr-919	150	2	’s	’s	PART
afbr-919	150	3	supreme	supreme	PROPN
afbr-919	150	4	court	court	PROPN
afbr-919	150	5	is	be	AUX
afbr-919	150	6	in	in	ADP
afbr-919	150	7	the	the	DET
afbr-919	150	8	process	process	NOUN
afbr-919	150	9	of	of	ADP
afbr-919	150	10	hearing	hear	VERB
afbr-919	150	11	a	a	DET
afbr-919	150	12	pil	pil	NOUN
afbr-919	150	13	(	(	PUNCT
afbr-919	150	14	public	public	ADJ
afbr-919	150	15	interest	interest	NOUN
afbr-919	150	16	litigation	litigation	NOUN
afbr-919	150	17	)	)	PUNCT
afbr-919	150	18	dispute	dispute	NOUN
afbr-919	150	19	for	for	ADP
afbr-919	150	20	the	the	DET
afbr-919	150	21	non	non	ADJ
afbr-919	150	22	-	-	NOUN
afbr-919	150	23	waiver	waiver	NOUN
afbr-919	150	24	of	of	ADP
afbr-919	150	25	complete	complete	ADJ
afbr-919	150	26	interest	interest	NOUN
afbr-919	150	27	outstanding	outstanding	ADJ
afbr-919	150	28	during	during	ADP
afbr-919	150	29	the	the	DET
afbr-919	150	30	loan	loan	NOUN
afbr-919	150	31	moratorium	moratorium	NOUN
afbr-919	150	32	period	period	NOUN
afbr-919	150	33	.	.	PUNCT
afbr-919	151	1	it	it	PRON
afbr-919	151	2	was	be	AUX
afbr-919	151	3	observed	observe	VERB
afbr-919	151	4	that	that	SCONJ
afbr-919	151	5	in	in	ADP
afbr-919	151	6	such	such	ADJ
afbr-919	151	7	times	time	NOUN
afbr-919	151	8	,	,	PUNCT
afbr-919	151	9	banks	bank	NOUN
afbr-919	151	10	should	should	AUX
afbr-919	151	11	not	not	PART
afbr-919	151	12	only	only	ADV
afbr-919	151	13	offer	offer	VERB
afbr-919	151	14	moratoriums	moratorium	NOUN
afbr-919	151	15	but	but	CCONJ
afbr-919	151	16	also	also	ADV
afbr-919	151	17	waive	waive	VERB
afbr-919	151	18	the	the	DET
afbr-919	151	19	interest	interest	NOUN
afbr-919	151	20	.	.	PUNCT
afbr-919	152	1	if	if	SCONJ
afbr-919	152	2	a	a	DET
afbr-919	152	3	judgment	judgment	NOUN
afbr-919	152	4	of	of	ADP
afbr-919	152	5	a	a	DET
afbr-919	152	6	complete	complete	ADJ
afbr-919	152	7	interest	interest	NOUN
afbr-919	152	8	waiver	waiver	NOUN
afbr-919	152	9	is	be	AUX
afbr-919	152	10	made	make	VERB
afbr-919	152	11	,	,	PUNCT
afbr-919	152	12	there	there	PRON
afbr-919	152	13	could	could	AUX
afbr-919	152	14	be	be	AUX
afbr-919	152	15	a	a	DET
afbr-919	152	16	severe	severe	ADJ
afbr-919	152	17	impact	impact	NOUN
afbr-919	152	18	on	on	ADP
afbr-919	152	19	the	the	DET
afbr-919	152	20	banking	banking	NOUN
afbr-919	152	21	sector	sector	NOUN
afbr-919	152	22	.	.	PUNCT
afbr-919	153	1	if	if	SCONJ
afbr-919	153	2	the	the	DET
afbr-919	153	3	government	government	NOUN
afbr-919	153	4	overburdens	overburden	VERB
afbr-919	153	5	the	the	DET
afbr-919	153	6	offer	offer	NOUN
afbr-919	153	7	of	of	ADP
afbr-919	153	8	subsidies	subsidy	NOUN
afbr-919	153	9	to	to	ADP
afbr-919	153	10	the	the	DET
afbr-919	153	11	borrower	borrower	NOUN
afbr-919	153	12	,	,	PUNCT
afbr-919	153	13	and	and	CCONJ
afbr-919	153	14	if	if	SCONJ
afbr-919	153	15	the	the	DET
afbr-919	153	16	result	result	NOUN
afbr-919	153	17	is	be	AUX
afbr-919	153	18	further	far	ADV
afbr-919	153	19	weakening	weaken	VERB
afbr-919	153	20	the	the	DET
afbr-919	153	21	credit	credit	NOUN
afbr-919	153	22	system	system	NOUN
afbr-919	153	23	and	and	CCONJ
afbr-919	153	24	potential	potential	ADJ
afbr-919	153	25	inflation	inflation	NOUN
afbr-919	153	26	as	as	ADP
afbr-919	153	27	the	the	DET
afbr-919	153	28	government	government	NOUN
afbr-919	153	29	's	's	PART
afbr-919	153	30	debt	debt	NOUN
afbr-919	153	31	bloats	bloat	NOUN
afbr-919	153	32	,	,	PUNCT
afbr-919	153	33	the	the	DET
afbr-919	153	34	price	price	NOUN
afbr-919	153	35	will	will	AUX
afbr-919	153	36	be	be	AUX
afbr-919	153	37	paid	pay	VERB
afbr-919	153	38	by	by	ADP
afbr-919	153	39	all	all	DET
afbr-919	153	40	the	the	DET
afbr-919	153	41	taxpayers	taxpayer	NOUN
afbr-919	153	42	.	.	PUNCT
afbr-919	154	1	banks	bank	NOUN
afbr-919	154	2	borrow	borrow	VERB
afbr-919	154	3	depositors	depositor	NOUN
afbr-919	154	4	and	and	CCONJ
afbr-919	154	5	lend	lend	VERB
afbr-919	154	6	to	to	ADP
afbr-919	154	7	businesses	business	NOUN
afbr-919	154	8	and	and	CCONJ
afbr-919	154	9	individuals	individual	NOUN
afbr-919	154	10	.	.	PUNCT
afbr-919	155	1	in	in	ADP
afbr-919	155	2	any	any	DET
afbr-919	155	3	instance	instance	NOUN
afbr-919	155	4	,	,	PUNCT
afbr-919	155	5	there	there	PRON
afbr-919	155	6	will	will	AUX
afbr-919	155	7	be	be	AUX
afbr-919	155	8	more	more	ADJ
afbr-919	155	9	depositors	depositor	NOUN
afbr-919	155	10	than	than	ADP
afbr-919	155	11	creditors	creditor	NOUN
afbr-919	155	12	.	.	PUNCT
afbr-919	156	1	so	so	ADV
afbr-919	156	2	,	,	PUNCT
afbr-919	156	3	any	any	DET
afbr-919	156	4	decision	decision	NOUN
afbr-919	156	5	to	to	PART
afbr-919	156	6	benefit	benefit	VERB
afbr-919	156	7	creditors	creditor	NOUN
afbr-919	156	8	would	would	AUX
afbr-919	156	9	eventually	eventually	ADV
afbr-919	156	10	come	come	VERB
afbr-919	156	11	from	from	ADP
afbr-919	156	12	paying	pay	VERB
afbr-919	156	13	less	less	ADJ
afbr-919	156	14	to	to	ADP
afbr-919	156	15	the	the	DET
afbr-919	156	16	depositors	depositor	NOUN
afbr-919	156	17	which	which	PRON
afbr-919	156	18	would	would	AUX
afbr-919	156	19	prioritize	prioritize	VERB
afbr-919	156	20	the	the	DET
afbr-919	156	21	handful	handful	NOUN
afbr-919	156	22	over	over	ADP
afbr-919	156	23	the	the	DET
afbr-919	156	24	vast	vast	ADJ
afbr-919	156	25	majority	majority	NOUN
afbr-919	156	26	of	of	ADP
afbr-919	156	27	the	the	DET
afbr-919	156	28	bank	bank	NOUN
afbr-919	156	29	's	's	PART
afbr-919	156	30	clients	client	NOUN
afbr-919	156	31	.	.	PUNCT
afbr-919	157	1	it	it	PRON
afbr-919	157	2	may	may	AUX
afbr-919	157	3	be	be	AUX
afbr-919	157	4	a	a	DET
afbr-919	157	5	good	good	ADJ
afbr-919	157	6	banking	banking	NOUN
afbr-919	157	7	principle	principle	NOUN
afbr-919	157	8	to	to	PART
afbr-919	157	9	give	give	VERB
afbr-919	157	10	borrowers	borrower	NOUN
afbr-919	157	11	a	a	DET
afbr-919	157	12	reprieve	reprieve	NOUN
afbr-919	157	13	when	when	SCONJ
afbr-919	157	14	they	they	PRON
afbr-919	157	15	are	be	AUX
afbr-919	157	16	in	in	ADP
afbr-919	157	17	desperate	desperate	ADJ
afbr-919	157	18	need	need	NOUN
afbr-919	157	19	,	,	PUNCT
afbr-919	157	20	but	but	CCONJ
afbr-919	157	21	it	it	PRON
afbr-919	157	22	is	be	AUX
afbr-919	157	23	a	a	DET
afbr-919	157	24	moral	moral	ADJ
afbr-919	157	25	liability	liability	NOUN
afbr-919	157	26	if	if	SCONJ
afbr-919	157	27	it	it	PRON
afbr-919	157	28	is	be	AUX
afbr-919	157	29	presumed	presume	VERB
afbr-919	157	30	that	that	SCONJ
afbr-919	157	31	the	the	DET
afbr-919	157	32	borrower	borrower	NOUN
afbr-919	157	33	must	must	AUX
afbr-919	157	34	always	always	ADV
afbr-919	157	35	be	be	AUX
afbr-919	157	36	accommodated	accommodate	VERB
afbr-919	157	37	.	.	PUNCT
afbr-919	158	1	the	the	DET
afbr-919	158	2	financial	financial	ADJ
afbr-919	158	3	system	system	NOUN
afbr-919	158	4	as	as	ADP
afbr-919	158	5	a	a	DET
afbr-919	158	6	whole	whole	NOUN
afbr-919	158	7	would	would	AUX
afbr-919	158	8	be	be	AUX
afbr-919	158	9	at	at	ADP
afbr-919	158	10	risk	risk	NOUN
afbr-919	158	11	where	where	SCONJ
afbr-919	158	12	there	there	PRON
afbr-919	158	13	is	be	VERB
afbr-919	158	14	an	an	DET
afbr-919	158	15	implicit	implicit	ADJ
afbr-919	158	16	or	or	CCONJ
afbr-919	158	17	overt	overt	ADJ
afbr-919	158	18	presumption	presumption	NOUN
afbr-919	158	19	that	that	SCONJ
afbr-919	158	20	borrowers	borrower	NOUN
afbr-919	158	21	need	need	AUX
afbr-919	158	22	not	not	PART
afbr-919	158	23	care	care	VERB
afbr-919	158	24	about	about	ADP
afbr-919	158	25	repayment	repayment	NOUN
afbr-919	158	26	.	.	PUNCT
afbr-919	159	1	in	in	ADP
afbr-919	159	2	this	this	DET
afbr-919	159	3	scenario	scenario	NOUN
afbr-919	159	4	,	,	PUNCT
afbr-919	159	5	the	the	DET
afbr-919	159	6	borrowers	borrower	NOUN
afbr-919	159	7	would	would	AUX
afbr-919	159	8	borrow	borrow	VERB
afbr-919	159	9	recklessly	recklessly	ADV
afbr-919	159	10	.	.	PUNCT
afbr-919	160	1	when	when	SCONJ
afbr-919	160	2	a	a	DET
afbr-919	160	3	bank	bank	NOUN
afbr-919	160	4	goes	go	VERB
afbr-919	160	5	under	under	ADV
afbr-919	160	6	,	,	PUNCT
afbr-919	160	7	the	the	DET
afbr-919	160	8	depositors	depositor	NOUN
afbr-919	160	9	are	be	AUX
afbr-919	160	10	placed	place	VERB
afbr-919	160	11	in	in	ADP
afbr-919	160	12	a	a	DET
afbr-919	160	13	precarious	precarious	ADJ
afbr-919	160	14	position	position	NOUN
afbr-919	160	15	and	and	CCONJ
afbr-919	160	16	are	be	AUX
afbr-919	160	17	sometimes	sometimes	ADV
afbr-919	160	18	forced	force	VERB
afbr-919	160	19	to	to	PART
afbr-919	160	20	wait	wait	VERB
afbr-919	160	21	for	for	SCONJ
afbr-919	160	22	a	a	DET
afbr-919	160	23	government	government	NOUN
afbr-919	160	24	bailout	bailout	NOUN
afbr-919	160	25	to	to	PART
afbr-919	160	26	get	get	VERB
afbr-919	160	27	their	their	PRON
afbr-919	160	28	deposits	deposit	NOUN
afbr-919	160	29	back	back	ADV
afbr-919	160	30	.	.	PUNCT
afbr-919	161	1	it	it	PRON
afbr-919	161	2	creates	create	VERB
afbr-919	161	3	a	a	DET
afbr-919	161	4	structural	structural	ADJ
afbr-919	161	5	problem	problem	NOUN
afbr-919	161	6	where	where	SCONJ
afbr-919	161	7	both	both	DET
afbr-919	161	8	depositors	depositor	NOUN
afbr-919	161	9	and	and	CCONJ
afbr-919	161	10	borrowers	borrower	NOUN
afbr-919	161	11	believe	believe	VERB
afbr-919	161	12	that	that	SCONJ
afbr-919	161	13	their	their	PRON
afbr-919	161	14	decisions	decision	NOUN
afbr-919	161	15	of	of	ADP
afbr-919	161	16	depositing	deposit	VERB
afbr-919	161	17	money	money	NOUN
afbr-919	161	18	in	in	ADP
afbr-919	161	19	or	or	CCONJ
afbr-919	161	20	borrowing	borrow	VERB
afbr-919	161	21	from	from	ADP
afbr-919	161	22	a	a	DET
afbr-919	161	23	specific	specific	ADJ
afbr-919	161	24	bank	bank	NOUN
afbr-919	161	25	,	,	PUNCT
afbr-919	161	26	are	be	AUX
afbr-919	161	27	not	not	PART
afbr-919	161	28	at	at	ADP
afbr-919	161	29	risk	risk	NOUN
afbr-919	161	30	.	.	PUNCT
afbr-919	162	1	there	there	PRON
afbr-919	162	2	is	be	VERB
afbr-919	162	3	a	a	DET
afbr-919	162	4	stronger	strong	ADJ
afbr-919	162	5	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	162	6	australian	australian	ADJ
afbr-919	162	7	finance	finance	NOUN
afbr-919	162	8	&	&	CCONJ
afbr-919	162	9	banking	banking	PROPN
afbr-919	162	10	review	review	PROPN
afbr-919	162	11	vol	vol	NOUN
afbr-919	162	12	.	.	PROPN
afbr-919	163	1	4	4	NUM
afbr-919	163	2	,	,	PUNCT
afbr-919	163	3	no	no	INTJ
afbr-919	163	4	.	.	NOUN
afbr-919	163	5	2	2	NUM
afbr-919	163	6	;	;	PUNCT
afbr-919	163	7	2020	2020	NUM
afbr-919	163	8	11	11	NUM
afbr-919	163	9	argument	argument	NOUN
afbr-919	163	10	for	for	ADP
afbr-919	163	11	maintaining	maintain	VERB
afbr-919	163	12	the	the	DET
afbr-919	163	13	confidence	confidence	NOUN
afbr-919	163	14	of	of	ADP
afbr-919	163	15	depositors	depositor	NOUN
afbr-919	163	16	than	than	ADP
afbr-919	163	17	the	the	DET
afbr-919	163	18	confidence	confidence	NOUN
afbr-919	163	19	of	of	ADP
afbr-919	163	20	borrowers	borrower	NOUN
afbr-919	163	21	,	,	PUNCT
afbr-919	163	22	since	since	SCONJ
afbr-919	163	23	not	not	PART
afbr-919	163	24	only	only	ADV
afbr-919	163	25	do	do	AUX
afbr-919	163	26	more	more	ADJ
afbr-919	163	27	of	of	ADP
afbr-919	163	28	them	they	PRON
afbr-919	163	29	exist	exist	VERB
afbr-919	163	30	,	,	PUNCT
afbr-919	163	31	but	but	CCONJ
afbr-919	163	32	they	they	PRON
afbr-919	163	33	are	be	AUX
afbr-919	163	34	also	also	ADV
afbr-919	163	35	vital	vital	ADJ
afbr-919	163	36	to	to	ADP
afbr-919	163	37	the	the	DET
afbr-919	163	38	lending	lending	NOUN
afbr-919	163	39	industry	industry	NOUN
afbr-919	163	40	as	as	ADP
afbr-919	163	41	a	a	DET
afbr-919	163	42	whole	whole	NOUN
afbr-919	163	43	.	.	PUNCT
afbr-919	164	1	instances	instance	NOUN
afbr-919	164	2	of	of	ADP
afbr-919	164	3	moratoriums	moratorium	NOUN
afbr-919	164	4	around	around	ADP
afbr-919	164	5	the	the	DET
afbr-919	164	6	world	world	NOUN
afbr-919	164	7	united	united	PROPN
afbr-919	164	8	states	states	PROPN
afbr-919	164	9	of	of	ADP
afbr-919	164	10	america	america	PROPN
afbr-919	164	11	from	from	ADP
afbr-919	164	12	march	march	PROPN
afbr-919	164	13	2012	2012	NUM
afbr-919	164	14	to	to	ADP
afbr-919	164	15	june	june	PROPN
afbr-919	164	16	2013	2013	NUM
afbr-919	164	17	,	,	PUNCT
afbr-919	164	18	the	the	DET
afbr-919	164	19	national	national	PROPN
afbr-919	164	20	mortgage	mortgage	PROPN
afbr-919	164	21	settlement	settlement	NOUN
afbr-919	164	22	extended	extend	VERB
afbr-919	164	23	relief	relief	NOUN
afbr-919	164	24	to	to	ADP
afbr-919	164	25	more	more	ADJ
afbr-919	164	26	than	than	ADP
afbr-919	164	27	300,000	300,000	NUM
afbr-919	164	28	homeowners	homeowner	NOUN
afbr-919	164	29	who	who	PRON
afbr-919	164	30	had	have	AUX
afbr-919	164	31	lost	lose	VERB
afbr-919	164	32	possession	possession	NOUN
afbr-919	164	33	of	of	ADP
afbr-919	164	34	their	their	PRON
afbr-919	164	35	houses	house	NOUN
afbr-919	164	36	without	without	ADP
afbr-919	164	37	due	due	ADJ
afbr-919	164	38	process	process	NOUN
afbr-919	164	39	.	.	PUNCT
afbr-919	165	1	new	new	PROPN
afbr-919	165	2	jersey	jersey	PROPN
afbr-919	165	3	introduced	introduce	VERB
afbr-919	165	4	a	a	DET
afbr-919	165	5	moratorium	moratorium	NOUN
afbr-919	165	6	in	in	ADP
afbr-919	165	7	the	the	DET
afbr-919	165	8	first	first	ADJ
afbr-919	165	9	half	half	NOUN
afbr-919	165	10	of	of	ADP
afbr-919	165	11	2011	2011	NUM
afbr-919	165	12	when	when	SCONJ
afbr-919	165	13	the	the	DET
afbr-919	165	14	courts	court	NOUN
afbr-919	165	15	implemented	implement	VERB
afbr-919	165	16	an	an	DET
afbr-919	165	17	eight	eight	NUM
afbr-919	165	18	-	-	PUNCT
afbr-919	165	19	month	month	NOUN
afbr-919	165	20	moratorium	moratorium	NOUN
afbr-919	165	21	on	on	ADP
afbr-919	165	22	foreclosures	foreclosure	NOUN
afbr-919	165	23	aimed	aim	VERB
afbr-919	165	24	at	at	ADP
afbr-919	165	25	six	six	NUM
afbr-919	165	26	mortgage	mortgage	NOUN
afbr-919	165	27	servicers	servicer	NOUN
afbr-919	165	28	.	.	PUNCT
afbr-919	166	1	the	the	DET
afbr-919	166	2	lending	lending	NOUN
afbr-919	166	3	industry	industry	NOUN
afbr-919	166	4	responded	respond	VERB
afbr-919	166	5	to	to	ADP
afbr-919	166	6	the	the	DET
afbr-919	166	7	moratorium	moratorium	NOUN
afbr-919	166	8	proposals	proposal	NOUN
afbr-919	166	9	with	with	ADP
afbr-919	166	10	moral	moral	ADJ
afbr-919	166	11	hazard	hazard	NOUN
afbr-919	166	12	projections	projection	NOUN
afbr-919	166	13	,	,	PUNCT
afbr-919	166	14	concluding	conclude	VERB
afbr-919	166	15	that	that	SCONJ
afbr-919	166	16	a	a	DET
afbr-919	166	17	moratorium	moratorium	NOUN
afbr-919	166	18	would	would	AUX
afbr-919	166	19	raise	raise	VERB
afbr-919	166	20	the	the	DET
afbr-919	166	21	number	number	NOUN
afbr-919	166	22	of	of	ADP
afbr-919	166	23	delinquencies	delinquency	NOUN
afbr-919	166	24	(	(	PUNCT
afbr-919	166	25	collins	collin	NOUN
afbr-919	166	26	&	&	CCONJ
afbr-919	166	27	urban	urban	ADJ
afbr-919	166	28	,	,	PUNCT
afbr-919	166	29	2017	2017	NUM
afbr-919	166	30	)	)	PUNCT
afbr-919	166	31	.	.	PUNCT
afbr-919	167	1	greece	greece	PROPN
afbr-919	167	2	in	in	ADP
afbr-919	167	3	response	response	NOUN
afbr-919	167	4	to	to	ADP
afbr-919	167	5	the	the	DET
afbr-919	167	6	economic	economic	ADJ
afbr-919	167	7	crisis	crisis	NOUN
afbr-919	167	8	in	in	ADP
afbr-919	167	9	greece	greece	PROPN
afbr-919	167	10	,	,	PUNCT
afbr-919	167	11	the	the	DET
afbr-919	167	12	legislature	legislature	NOUN
afbr-919	167	13	adopted	adopt	VERB
afbr-919	167	14	a	a	DET
afbr-919	167	15	package	package	NOUN
afbr-919	167	16	of	of	ADP
afbr-919	167	17	measures	measure	NOUN
afbr-919	167	18	to	to	PART
afbr-919	167	19	provide	provide	VERB
afbr-919	167	20	relief	relief	NOUN
afbr-919	167	21	to	to	ADP
afbr-919	167	22	over	over	ADV
afbr-919	167	23	-	-	PUNCT
afbr-919	167	24	indebted	indebte	VERB
afbr-919	167	25	households	household	NOUN
afbr-919	167	26	in	in	ADP
afbr-919	167	27	2010	2010	NUM
afbr-919	167	28	.	.	PUNCT
afbr-919	168	1	specifically	specifically	ADV
afbr-919	168	2	,	,	PUNCT
afbr-919	168	3	the	the	DET
afbr-919	168	4	government	government	NOUN
afbr-919	168	5	enacted	enact	VERB
afbr-919	168	6	a	a	DET
afbr-919	168	7	new	new	ADJ
afbr-919	168	8	law	law	NOUN
afbr-919	168	9	on	on	ADP
afbr-919	168	10	personal	personal	ADJ
afbr-919	168	11	bankruptcy	bankruptcy	NOUN
afbr-919	168	12	that	that	PRON
afbr-919	168	13	removed	remove	VERB
afbr-919	168	14	primary	primary	ADJ
afbr-919	168	15	residences	residence	NOUN
afbr-919	168	16	from	from	ADP
afbr-919	168	17	liquidation	liquidation	NOUN
afbr-919	168	18	.	.	PUNCT
afbr-919	169	1	around	around	ADP
afbr-919	169	2	the	the	DET
afbr-919	169	3	same	same	ADJ
afbr-919	169	4	time	time	NOUN
afbr-919	169	5	,	,	PUNCT
afbr-919	169	6	the	the	DET
afbr-919	169	7	government	government	NOUN
afbr-919	169	8	had	have	AUX
afbr-919	169	9	imposed	impose	VERB
afbr-919	169	10	an	an	DET
afbr-919	169	11	almost	almost	ADV
afbr-919	169	12	universal	universal	ADJ
afbr-919	169	13	moratorium	moratorium	NOUN
afbr-919	169	14	on	on	ADP
afbr-919	169	15	the	the	DET
afbr-919	169	16	foreclosure	foreclosure	NOUN
afbr-919	169	17	of	of	ADP
afbr-919	169	18	primary	primary	ADJ
afbr-919	169	19	homes	home	NOUN
afbr-919	169	20	.	.	PUNCT
afbr-919	170	1	this	this	DET
afbr-919	170	2	new	new	ADJ
afbr-919	170	3	regulatory	regulatory	ADJ
afbr-919	170	4	environment	environment	NOUN
afbr-919	170	5	presented	present	VERB
afbr-919	170	6	homeowners	homeowner	NOUN
afbr-919	170	7	with	with	ADP
afbr-919	170	8	two	two	NUM
afbr-919	170	9	choices	choice	NOUN
afbr-919	170	10	to	to	PART
afbr-919	170	11	secure	secure	VERB
afbr-919	170	12	their	their	PRON
afbr-919	170	13	primary	primary	ADJ
afbr-919	170	14	residence	residence	NOUN
afbr-919	170	15	in	in	ADP
afbr-919	170	16	the	the	DET
afbr-919	170	17	event	event	NOUN
afbr-919	170	18	of	of	ADP
afbr-919	170	19	delinquency	delinquency	NOUN
afbr-919	170	20	;	;	PUNCT
afbr-919	170	21	default	default	NOUN
afbr-919	170	22	and	and	CCONJ
afbr-919	170	23	apply	apply	VERB
afbr-919	170	24	for	for	ADP
afbr-919	170	25	debt	debt	NOUN
afbr-919	170	26	relief	relief	NOUN
afbr-919	170	27	under	under	ADP
afbr-919	170	28	the	the	DET
afbr-919	170	29	new	new	ADJ
afbr-919	170	30	personal	personal	ADJ
afbr-919	170	31	insolvency	insolvency	NOUN
afbr-919	170	32	act	act	NOUN
afbr-919	170	33	,	,	PUNCT
afbr-919	170	34	or	or	CCONJ
afbr-919	170	35	default	default	VERB
afbr-919	170	36	passively	passively	ADV
afbr-919	170	37	and	and	CCONJ
afbr-919	170	38	protect	protect	VERB
afbr-919	170	39	the	the	DET
afbr-919	170	40	primary	primary	ADJ
afbr-919	170	41	home	home	NOUN
afbr-919	170	42	through	through	ADP
afbr-919	170	43	a	a	DET
afbr-919	170	44	foreclosure	foreclosure	NOUN
afbr-919	170	45	moratorium	moratorium	NOUN
afbr-919	170	46	(	(	PUNCT
afbr-919	170	47	artavanis	artavanis	PROPN
afbr-919	170	48	&	&	CCONJ
afbr-919	170	49	spyridopoulos	spyridopoulos	PROPN
afbr-919	170	50	,	,	PUNCT
afbr-919	170	51	2017	2017	NUM
afbr-919	170	52	)	)	PUNCT
afbr-919	170	53	.	.	PUNCT
afbr-919	171	1	thailand	thailand	PROPN
afbr-919	171	2	the	the	DET
afbr-919	171	3	cabinet	cabinet	PROPN
afbr-919	171	4	had	have	AUX
afbr-919	171	5	approved	approve	VERB
afbr-919	171	6	increased	increase	VERB
afbr-919	171	7	debt	debt	NOUN
afbr-919	171	8	relief	relief	NOUN
afbr-919	171	9	plans	plan	NOUN
afbr-919	171	10	such	such	ADJ
afbr-919	171	11	as	as	ADP
afbr-919	171	12	suspending	suspend	VERB
afbr-919	171	13	monthly	monthly	ADJ
afbr-919	171	14	loan	loan	NOUN
afbr-919	171	15	repayments	repayment	NOUN
afbr-919	171	16	and	and	CCONJ
afbr-919	171	17	interest	interest	NOUN
afbr-919	171	18	for	for	ADP
afbr-919	171	19	three	three	NUM
afbr-919	171	20	years	year	NOUN
afbr-919	171	21	for	for	ADP
afbr-919	171	22	farmers	farmer	NOUN
afbr-919	171	23	impacted	impact	VERB
afbr-919	171	24	by	by	ADP
afbr-919	171	25	the	the	DET
afbr-919	171	26	2011	2011	NUM
afbr-919	171	27	floods	flood	NOUN
afbr-919	171	28	.	.	PUNCT
afbr-919	172	1	the	the	DET
afbr-919	172	2	moratorium	moratorium	NOUN
afbr-919	172	3	applied	apply	VERB
afbr-919	172	4	to	to	ADP
afbr-919	172	5	farmers	farmer	NOUN
afbr-919	172	6	who	who	PRON
afbr-919	172	7	had	have	AUX
afbr-919	172	8	borrowed	borrow	VERB
afbr-919	172	9	before	before	ADP
afbr-919	172	10	the	the	DET
afbr-919	172	11	deluge	deluge	NOUN
afbr-919	172	12	and	and	CCONJ
afbr-919	172	13	counted	count	VERB
afbr-919	172	14	from	from	ADP
afbr-919	172	15	the	the	DET
afbr-919	172	16	first	first	ADJ
afbr-919	172	17	day	day	NOUN
afbr-919	172	18	on	on	ADP
afbr-919	172	19	which	which	PRON
afbr-919	172	20	their	their	PRON
afbr-919	172	21	farmland	farmland	NOUN
afbr-919	172	22	was	be	AUX
afbr-919	172	23	struck	strike	VERB
afbr-919	172	24	.	.	PUNCT
afbr-919	173	1	the	the	DET
afbr-919	173	2	government	government	NOUN
afbr-919	173	3	compensated	compensate	VERB
afbr-919	173	4	for	for	ADP
afbr-919	173	5	the	the	DET
afbr-919	173	6	interest	interest	NOUN
afbr-919	173	7	on	on	ADP
afbr-919	173	8	the	the	DET
afbr-919	173	9	loans	loan	NOUN
afbr-919	173	10	subject	subject	ADJ
afbr-919	173	11	to	to	ADP
afbr-919	173	12	the	the	DET
afbr-919	173	13	moratorium	moratorium	NOUN
afbr-919	173	14	and	and	CCONJ
afbr-919	173	15	also	also	ADV
afbr-919	173	16	approved	approve	VERB
afbr-919	173	17	a	a	DET
afbr-919	173	18	budget	budget	NOUN
afbr-919	173	19	of	of	ADP
afbr-919	173	20	715	715	NUM
afbr-919	173	21	million	million	NUM
afbr-919	173	22	baht	baht	NOUN
afbr-919	173	23	for	for	ADP
afbr-919	173	24	the	the	DET
afbr-919	173	25	2014	2014	NUM
afbr-919	173	26	fiscal	fiscal	ADJ
afbr-919	173	27	year	year	NOUN
afbr-919	173	28	to	to	PART
afbr-919	173	29	reimburse	reimburse	VERB
afbr-919	173	30	farmers	farmer	NOUN
afbr-919	173	31	for	for	ADP
afbr-919	173	32	interest	interest	NOUN
afbr-919	173	33	under	under	ADP
afbr-919	173	34	the	the	DET
afbr-919	173	35	moratorium	moratorium	NOUN
afbr-919	173	36	program	program	NOUN
afbr-919	173	37	(	(	PUNCT
afbr-919	173	38	nuansoi	nuansoi	PROPN
afbr-919	173	39	,	,	PUNCT
afbr-919	173	40	2013	2013	NUM
afbr-919	173	41	)	)	PUNCT
afbr-919	173	42	.	.	PUNCT
afbr-919	174	1	conclusion	conclusion	VERB
afbr-919	174	2	the	the	DET
afbr-919	174	3	six	six	NUM
afbr-919	174	4	-	-	PUNCT
afbr-919	174	5	month	month	NOUN
afbr-919	174	6	moratorium	moratorium	NOUN
afbr-919	174	7	offered	offer	VERB
afbr-919	174	8	by	by	ADP
afbr-919	174	9	the	the	DET
afbr-919	174	10	reserve	reserve	PROPN
afbr-919	174	11	bank	bank	PROPN
afbr-919	174	12	of	of	ADP
afbr-919	174	13	india	india	PROPN
afbr-919	174	14	was	be	AUX
afbr-919	174	15	granted	grant	VERB
afbr-919	174	16	as	as	ADP
afbr-919	174	17	a	a	DET
afbr-919	174	18	relief	relief	NOUN
afbr-919	174	19	measure	measure	NOUN
afbr-919	174	20	for	for	ADP
afbr-919	174	21	the	the	DET
afbr-919	174	22	borrowers	borrower	NOUN
afbr-919	174	23	during	during	ADP
afbr-919	174	24	the	the	DET
afbr-919	174	25	covid-19	covid-19	PROPN
afbr-919	174	26	pandemic	pandemic	NOUN
afbr-919	174	27	.	.	PUNCT
afbr-919	175	1	the	the	DET
afbr-919	175	2	use	use	NOUN
afbr-919	175	3	of	of	ADP
afbr-919	175	4	moratoriums	moratorium	NOUN
afbr-919	175	5	is	be	AUX
afbr-919	175	6	not	not	PART
afbr-919	175	7	new	new	ADJ
afbr-919	175	8	to	to	ADP
afbr-919	175	9	the	the	DET
afbr-919	175	10	indian	indian	ADJ
afbr-919	175	11	banking	banking	NOUN
afbr-919	175	12	sector	sector	NOUN
afbr-919	175	13	as	as	SCONJ
afbr-919	175	14	moratoriums	moratorium	NOUN
afbr-919	175	15	have	have	AUX
afbr-919	175	16	been	be	AUX
afbr-919	175	17	granted	grant	VERB
afbr-919	175	18	in	in	ADP
afbr-919	175	19	multiple	multiple	ADJ
afbr-919	175	20	instances	instance	NOUN
afbr-919	175	21	in	in	ADP
afbr-919	175	22	the	the	DET
afbr-919	175	23	past	past	NOUN
afbr-919	175	24	.	.	PUNCT
afbr-919	176	1	moratoriums	moratorium	NOUN
afbr-919	176	2	have	have	AUX
afbr-919	176	3	also	also	ADV
afbr-919	176	4	been	be	AUX
afbr-919	176	5	used	use	VERB
afbr-919	176	6	across	across	ADP
afbr-919	176	7	the	the	DET
afbr-919	176	8	world	world	NOUN
afbr-919	176	9	in	in	ADP
afbr-919	176	10	the	the	DET
afbr-919	176	11	form	form	NOUN
afbr-919	176	12	of	of	ADP
afbr-919	176	13	debt	debt	NOUN
afbr-919	176	14	or	or	CCONJ
afbr-919	176	15	foreclosure	foreclosure	NOUN
afbr-919	176	16	moratoriums	moratorium	NOUN
afbr-919	176	17	in	in	ADP
afbr-919	176	18	countries	country	NOUN
afbr-919	176	19	such	such	ADJ
afbr-919	176	20	as	as	ADP
afbr-919	176	21	greece	greece	PROPN
afbr-919	176	22	,	,	PUNCT
afbr-919	176	23	thailand	thailand	PROPN
afbr-919	176	24	,	,	PUNCT
afbr-919	176	25	and	and	CCONJ
afbr-919	176	26	the	the	DET
afbr-919	176	27	usa	usa	PROPN
afbr-919	176	28	.	.	PROPN
afbr-919	177	1	in	in	ADP
afbr-919	177	2	particular	particular	ADJ
afbr-919	177	3	,	,	PUNCT
afbr-919	177	4	japan	japan	PROPN
afbr-919	177	5	had	have	AUX
afbr-919	177	6	offered	offer	VERB
afbr-919	177	7	a	a	DET
afbr-919	177	8	moratorium	moratorium	NOUN
afbr-919	177	9	for	for	ADP
afbr-919	177	10	smes	sme	NOUN
afbr-919	177	11	after	after	ADP
afbr-919	177	12	the	the	DET
afbr-919	177	13	2008	2008	NUM
afbr-919	177	14	housing	housing	NOUN
afbr-919	177	15	crisis	crisis	NOUN
afbr-919	177	16	but	but	CCONJ
afbr-919	177	17	the	the	DET
afbr-919	177	18	effects	effect	NOUN
afbr-919	177	19	of	of	ADP
afbr-919	177	20	the	the	DET
afbr-919	177	21	prolonged	prolonged	ADJ
afbr-919	177	22	moratorium	moratorium	NOUN
afbr-919	177	23	period	period	NOUN
afbr-919	177	24	were	be	AUX
afbr-919	177	25	largely	largely	ADV
afbr-919	177	26	negative	negative	ADJ
afbr-919	177	27	and	and	CCONJ
afbr-919	177	28	the	the	DET
afbr-919	177	29	scheme	scheme	NOUN
afbr-919	177	30	offering	offer	VERB
afbr-919	177	31	the	the	DET
afbr-919	177	32	moratorium	moratorium	NOUN
afbr-919	177	33	was	be	AUX
afbr-919	177	34	widely	widely	ADV
afbr-919	177	35	considered	consider	VERB
afbr-919	177	36	as	as	ADP
afbr-919	177	37	a	a	DET
afbr-919	177	38	failure	failure	NOUN
afbr-919	177	39	.	.	PUNCT
afbr-919	178	1	the	the	DET
afbr-919	178	2	indian	indian	ADJ
afbr-919	178	3	banking	banking	NOUN
afbr-919	178	4	industry	industry	NOUN
afbr-919	178	5	had	have	AUX
afbr-919	178	6	amassed	amass	VERB
afbr-919	178	7	bad	bad	ADJ
afbr-919	178	8	loans	loan	NOUN
afbr-919	178	9	of	of	ADP
afbr-919	178	10	around	around	ADV
afbr-919	178	11	rs	rs	NOUN
afbr-919	178	12	9	9	NUM
afbr-919	178	13	lakh	lakh	NOUN
afbr-919	178	14	crores	crore	NOUN
afbr-919	178	15	before	before	ADP
afbr-919	178	16	the	the	DET
afbr-919	178	17	impact	impact	NOUN
afbr-919	178	18	of	of	ADP
afbr-919	178	19	covid-19	covid-19	PROPN
afbr-919	178	20	.	.	PUNCT
afbr-919	179	1	the	the	DET
afbr-919	179	2	moratorium	moratorium	NOUN
afbr-919	179	3	is	be	AUX
afbr-919	179	4	expected	expect	VERB
afbr-919	179	5	to	to	PART
afbr-919	179	6	cause	cause	VERB
afbr-919	179	7	a	a	DET
afbr-919	179	8	surge	surge	NOUN
afbr-919	179	9	in	in	ADP
afbr-919	179	10	the	the	DET
afbr-919	179	11	npas	npas	NOUN
afbr-919	179	12	by	by	ADP
afbr-919	179	13	the	the	DET
afbr-919	179	14	end	end	NOUN
afbr-919	179	15	of	of	ADP
afbr-919	179	16	the	the	DET
afbr-919	179	17	current	current	ADJ
afbr-919	179	18	fiscal	fiscal	ADJ
afbr-919	179	19	year	year	NOUN
afbr-919	179	20	and	and	CCONJ
afbr-919	179	21	the	the	DET
afbr-919	179	22	rbi	rbi	NOUN
afbr-919	179	23	predicts	predict	VERB
afbr-919	179	24	the	the	DET
afbr-919	179	25	system	system	NOUN
afbr-919	179	26	level	level	NOUN
afbr-919	179	27	crar	crar	NOUN
afbr-919	179	28	to	to	PART
afbr-919	179	29	drop	drop	VERB
afbr-919	179	30	to	to	ADP
afbr-919	179	31	levels	level	NOUN
afbr-919	179	32	lower	low	ADJ
afbr-919	179	33	than	than	ADP
afbr-919	179	34	the	the	DET
afbr-919	179	35	same	same	ADJ
afbr-919	179	36	period	period	NOUN
afbr-919	179	37	last	last	ADJ
afbr-919	179	38	year	year	NOUN
afbr-919	179	39	.	.	PUNCT
afbr-919	180	1	the	the	DET
afbr-919	180	2	slow	slow	ADJ
afbr-919	180	3	recovery	recovery	NOUN
afbr-919	180	4	of	of	ADP
afbr-919	180	5	the	the	DET
afbr-919	180	6	economic	economic	ADJ
afbr-919	180	7	activity	activity	NOUN
afbr-919	180	8	could	could	AUX
afbr-919	180	9	lead	lead	VERB
afbr-919	180	10	to	to	ADP
afbr-919	180	11	a	a	DET
afbr-919	180	12	decrease	decrease	NOUN
afbr-919	180	13	in	in	ADP
afbr-919	180	14	the	the	DET
afbr-919	180	15	interest	interest	NOUN
afbr-919	180	16	income	income	NOUN
afbr-919	180	17	of	of	ADP
afbr-919	180	18	banks	bank	NOUN
afbr-919	180	19	and	and	CCONJ
afbr-919	180	20	a	a	DET
afbr-919	180	21	prolonged	prolonged	ADJ
afbr-919	180	22	moratorium	moratorium	NOUN
afbr-919	180	23	period	period	NOUN
afbr-919	180	24	could	could	AUX
afbr-919	180	25	create	create	VERB
afbr-919	180	26	additional	additional	ADJ
afbr-919	180	27	stress	stress	NOUN
afbr-919	180	28	on	on	ADP
afbr-919	180	29	the	the	DET
afbr-919	180	30	banks	bank	NOUN
afbr-919	180	31	’	'	PUNCT
afbr-919	180	32	balance	balance	NOUN
afbr-919	180	33	sheets	sheet	NOUN
afbr-919	180	34	.	.	PUNCT
afbr-919	181	1	to	to	PART
afbr-919	181	2	cope	cope	VERB
afbr-919	181	3	with	with	ADP
afbr-919	181	4	the	the	DET
afbr-919	181	5	stress	stress	NOUN
afbr-919	181	6	on	on	ADP
afbr-919	181	7	their	their	PRON
afbr-919	181	8	books	book	NOUN
afbr-919	181	9	and	and	CCONJ
afbr-919	181	10	expand	expand	VERB
afbr-919	181	11	their	their	PRON
afbr-919	181	12	ability	ability	NOUN
afbr-919	181	13	to	to	PART
afbr-919	181	14	lend	lend	VERB
afbr-919	181	15	,	,	PUNCT
afbr-919	181	16	https://www.cribfb.com/journal/index.php/afbr	https://www.cribfb.com/journal/index.php/afbr	ADJ
afbr-919	181	17	australian	australian	ADJ
afbr-919	181	18	finance	finance	NOUN
afbr-919	181	19	&	&	CCONJ
afbr-919	181	20	banking	banking	PROPN
afbr-919	181	21	review	review	PROPN
afbr-919	181	22	vol	vol	NOUN
afbr-919	181	23	.	.	PROPN
afbr-919	182	1	4	4	NUM
afbr-919	182	2	,	,	PUNCT
afbr-919	182	3	no	no	INTJ
afbr-919	182	4	.	.	NOUN
afbr-919	182	5	2	2	NUM
afbr-919	182	6	;	;	PUNCT
afbr-919	182	7	2020	2020	NUM
afbr-919	182	8	12	12	NUM
afbr-919	182	9	recapitalization	recapitalization	NOUN
afbr-919	182	10	is	be	AUX
afbr-919	182	11	going	go	VERB
afbr-919	182	12	to	to	PART
afbr-919	182	13	be	be	AUX
afbr-919	182	14	crucial	crucial	ADJ
afbr-919	182	15	for	for	ADP
afbr-919	182	16	the	the	DET
afbr-919	182	17	banks	bank	NOUN
afbr-919	182	18	.	.	PUNCT
afbr-919	183	1	if	if	SCONJ
afbr-919	183	2	the	the	DET
afbr-919	183	3	moratorium	moratorium	NOUN
afbr-919	183	4	results	result	VERB
afbr-919	183	5	in	in	ADP
afbr-919	183	6	a	a	DET
afbr-919	183	7	large	large	ADJ
afbr-919	183	8	number	number	NOUN
afbr-919	183	9	of	of	ADP
afbr-919	183	10	bad	bad	ADJ
afbr-919	183	11	loans	loan	NOUN
afbr-919	183	12	,	,	PUNCT
afbr-919	183	13	it	it	PRON
afbr-919	183	14	will	will	AUX
afbr-919	183	15	adversely	adversely	ADV
afbr-919	183	16	affect	affect	VERB
afbr-919	183	17	the	the	DET
afbr-919	183	18	stability	stability	NOUN
afbr-919	183	19	and	and	CCONJ
afbr-919	183	20	thus	thus	ADV
afbr-919	183	21	the	the	DET
afbr-919	183	22	lending	lending	NOUN
afbr-919	183	23	ability	ability	NOUN
afbr-919	183	24	of	of	ADP
afbr-919	183	25	the	the	DET
afbr-919	183	26	banks	bank	NOUN
afbr-919	183	27	.	.	PUNCT
afbr-919	184	1	additionally	additionally	ADV
afbr-919	184	2	,	,	PUNCT
afbr-919	184	3	india	india	PROPN
afbr-919	184	4	’s	’s	PART
afbr-919	184	5	banking	banking	NOUN
afbr-919	184	6	sector	sector	NOUN
afbr-919	184	7	’s	’s	PART
afbr-919	184	8	profitability	profitability	NOUN
afbr-919	184	9	is	be	AUX
afbr-919	184	10	expected	expect	VERB
afbr-919	184	11	to	to	PART
afbr-919	184	12	decline	decline	VERB
afbr-919	184	13	due	due	ADJ
afbr-919	184	14	to	to	ADP
afbr-919	184	15	weakening	weaken	VERB
afbr-919	184	16	asset	asset	NOUN
afbr-919	184	17	quality	quality	NOUN
afbr-919	184	18	and	and	CCONJ
afbr-919	184	19	lower	low	ADJ
afbr-919	184	20	interest	interest	NOUN
afbr-919	184	21	margins	margin	NOUN
afbr-919	184	22	.	.	PUNCT
afbr-919	185	1	the	the	DET
afbr-919	185	2	government	government	NOUN
afbr-919	185	3	declared	declare	VERB
afbr-919	185	4	an	an	DET
afbr-919	185	5	interest	interest	NOUN
afbr-919	185	6	-	-	PUNCT
afbr-919	185	7	on	on	ADP
afbr-919	185	8	-	-	PUNCT
afbr-919	185	9	interest	interest	NOUN
afbr-919	185	10	waiver	waiver	NOUN
afbr-919	185	11	for	for	ADP
afbr-919	185	12	the	the	DET
afbr-919	185	13	interest	interest	NOUN
afbr-919	185	14	incurred	incur	VERB
afbr-919	185	15	on	on	ADP
afbr-919	185	16	interest	interest	NOUN
afbr-919	185	17	levied	levy	VERB
afbr-919	185	18	during	during	ADP
afbr-919	185	19	the	the	DET
afbr-919	185	20	moratorium	moratorium	NOUN
afbr-919	185	21	period	period	NOUN
afbr-919	185	22	.	.	PUNCT
afbr-919	186	1	the	the	DET
afbr-919	186	2	reimbursement	reimbursement	NOUN
afbr-919	186	3	for	for	ADP
afbr-919	186	4	the	the	DET
afbr-919	186	5	amount	amount	NOUN
afbr-919	186	6	can	can	AUX
afbr-919	186	7	be	be	AUX
afbr-919	186	8	claimed	claim	VERB
afbr-919	186	9	by	by	ADP
afbr-919	186	10	the	the	DET
afbr-919	186	11	lending	lending	NOUN
afbr-919	186	12	institutions	institution	NOUN
afbr-919	186	13	after	after	SCONJ
afbr-919	186	14	it	it	PRON
afbr-919	186	15	is	be	AUX
afbr-919	186	16	credited	credit	VERB
afbr-919	186	17	by	by	ADP
afbr-919	186	18	them	they	PRON
afbr-919	186	19	,	,	PUNCT
afbr-919	186	20	but	but	CCONJ
afbr-919	186	21	the	the	DET
afbr-919	186	22	scheme	scheme	NOUN
afbr-919	186	23	is	be	AUX
afbr-919	186	24	likely	likely	ADJ
afbr-919	186	25	to	to	PART
afbr-919	186	26	add	add	VERB
afbr-919	186	27	further	further	ADJ
afbr-919	186	28	stress	stress	NOUN
afbr-919	186	29	to	to	ADP
afbr-919	186	30	the	the	DET
afbr-919	186	31	already	already	ADV
afbr-919	186	32	stressed	stress	VERB
afbr-919	186	33	balance	balance	NOUN
afbr-919	186	34	sheets	sheet	NOUN
afbr-919	186	35	of	of	ADP
afbr-919	186	36	the	the	DET
afbr-919	186	37	banks	bank	NOUN
afbr-919	186	38	.	.	PUNCT
afbr-919	187	1	due	due	ADP
afbr-919	187	2	to	to	ADP
afbr-919	187	3	the	the	DET
afbr-919	187	4	scheme	scheme	NOUN
afbr-919	187	5	,	,	PUNCT
afbr-919	187	6	the	the	DET
afbr-919	187	7	banks	bank	NOUN
afbr-919	187	8	will	will	AUX
afbr-919	187	9	have	have	VERB
afbr-919	187	10	to	to	PART
afbr-919	187	11	recalculate	recalculate	VERB
afbr-919	187	12	millions	million	NOUN
afbr-919	187	13	of	of	ADP
afbr-919	187	14	loans	loan	NOUN
afbr-919	187	15	and	and	CCONJ
afbr-919	187	16	may	may	AUX
afbr-919	187	17	also	also	ADV
afbr-919	187	18	have	have	VERB
afbr-919	187	19	to	to	PART
afbr-919	187	20	wait	wait	VERB
afbr-919	187	21	up	up	ADP
afbr-919	187	22	to	to	PART
afbr-919	187	23	24	24	NUM
afbr-919	187	24	months	month	NOUN
afbr-919	187	25	to	to	PART
afbr-919	187	26	get	get	VERB
afbr-919	187	27	the	the	DET
afbr-919	187	28	funds	fund	NOUN
afbr-919	187	29	from	from	ADP
afbr-919	187	30	the	the	DET
afbr-919	187	31	government	government	NOUN
afbr-919	187	32	,	,	PUNCT
afbr-919	187	33	thereby	thereby	ADV
afbr-919	187	34	increasing	increase	VERB
afbr-919	187	35	their	their	PRON
afbr-919	187	36	burden	burden	NOUN
afbr-919	187	37	.	.	PUNCT
afbr-919	188	1	a	a	DET
afbr-919	188	2	complete	complete	ADJ
afbr-919	188	3	waiver	waiver	NOUN
afbr-919	188	4	of	of	ADP
afbr-919	188	5	interest	interest	NOUN
afbr-919	188	6	is	be	AUX
afbr-919	188	7	being	be	AUX
afbr-919	188	8	disputed	dispute	VERB
afbr-919	188	9	in	in	ADP
afbr-919	188	10	the	the	DET
afbr-919	188	11	supreme	supreme	PROPN
afbr-919	188	12	court	court	PROPN
afbr-919	188	13	of	of	ADP
afbr-919	188	14	india	india	PROPN
afbr-919	188	15	and	and	CCONJ
afbr-919	188	16	if	if	SCONJ
afbr-919	188	17	permitted	permit	VERB
afbr-919	188	18	,	,	PUNCT
afbr-919	188	19	it	it	PRON
afbr-919	188	20	would	would	AUX
afbr-919	188	21	lead	lead	VERB
afbr-919	188	22	to	to	ADP
afbr-919	188	23	severe	severe	ADJ
afbr-919	188	24	consequences	consequence	NOUN
afbr-919	188	25	for	for	ADP
afbr-919	188	26	the	the	DET
afbr-919	188	27	indian	indian	ADJ
afbr-919	188	28	banking	banking	NOUN
afbr-919	188	29	sector	sector	NOUN
afbr-919	188	30	.	.	PUNCT
afbr-919	189	1	the	the	DET
afbr-919	189	2	moratorium	moratorium	NOUN
afbr-919	189	3	offered	offer	VERB
afbr-919	189	4	is	be	AUX
afbr-919	189	5	going	go	VERB
afbr-919	189	6	to	to	PART
afbr-919	189	7	present	present	VERB
afbr-919	189	8	numerous	numerous	ADJ
afbr-919	189	9	challenges	challenge	NOUN
afbr-919	189	10	to	to	ADP
afbr-919	189	11	the	the	DET
afbr-919	189	12	indian	indian	ADJ
afbr-919	189	13	banking	banking	NOUN
afbr-919	189	14	sector	sector	NOUN
afbr-919	189	15	in	in	ADP
afbr-919	189	16	the	the	DET
afbr-919	189	17	coming	come	VERB
afbr-919	189	18	months	month	NOUN
afbr-919	189	19	.	.	PUNCT
afbr-919	190	1	based	base	VERB
afbr-919	190	2	on	on	ADP
afbr-919	190	3	the	the	DET
afbr-919	190	4	predictions	prediction	NOUN
afbr-919	190	5	it	it	PRON
afbr-919	190	6	is	be	AUX
afbr-919	190	7	evident	evident	ADJ
afbr-919	190	8	that	that	SCONJ
afbr-919	190	9	the	the	DET
afbr-919	190	10	effects	effect	NOUN
afbr-919	190	11	on	on	ADP
afbr-919	190	12	the	the	DET
afbr-919	190	13	indian	indian	ADJ
afbr-919	190	14	banking	banking	NOUN
afbr-919	190	15	sector	sector	NOUN
afbr-919	190	16	are	be	AUX
afbr-919	190	17	mostly	mostly	ADV
afbr-919	190	18	adverse	adverse	ADJ
afbr-919	190	19	and	and	CCONJ
afbr-919	190	20	the	the	DET
afbr-919	190	21	performance	performance	NOUN
afbr-919	190	22	of	of	ADP
afbr-919	190	23	the	the	DET
afbr-919	190	24	sector	sector	NOUN
afbr-919	190	25	will	will	AUX
afbr-919	190	26	decline	decline	VERB
afbr-919	190	27	as	as	ADP
afbr-919	190	28	compared	compare	VERB
afbr-919	190	29	to	to	ADP
afbr-919	190	30	the	the	DET
afbr-919	190	31	previous	previous	ADJ
afbr-919	190	32	year	year	NOUN
afbr-919	190	33	.	.	PUNCT
afbr-919	191	1	references	reference	NOUN
afbr-919	191	2	arito	arito	PROPN
afbr-919	191	3	,	,	PUNCT
afbr-919	191	4	o.	o.	PROPN
afbr-919	191	5	(	(	PUNCT
afbr-919	191	6	2017	2017	NUM
afbr-919	191	7	)	)	PUNCT
afbr-919	191	8	.	.	PUNCT
afbr-919	192	1	forgiveness	forgiveness	NOUN
afbr-919	192	2	versus	versus	ADP
afbr-919	192	3	financing	financing	NOUN
afbr-919	192	4	:	:	PUNCT
afbr-919	192	5	the	the	DET
afbr-919	192	6	determinants	determinant	NOUN
afbr-919	192	7	and	and	CCONJ
afbr-919	192	8	impact	impact	NOUN
afbr-919	192	9	of	of	ADP
afbr-919	192	10	sme	sme	ADJ
afbr-919	192	11	debt	debt	NOUN
afbr-919	192	12	forbearance	forbearance	NOUN
afbr-919	192	13	in	in	ADP
afbr-919	192	14	japan1	japan1	PROPN
afbr-919	192	15	.	.	PUNCT
afbr-919	193	1	rieti	rieti	PROPN
afbr-919	193	2	discussion	discussion	PROPN
afbr-919	193	3	paper	paper	PROPN
afbr-919	193	4	series	series	PROPN
afbr-919	193	5	17	17	NUM
afbr-919	193	6	-	-	PUNCT
afbr-919	193	7	e-086	e-086	NUM
afbr-919	193	8	.	.	PUNCT
afbr-919	193	9	retrieved	retrieve	VERB
afbr-919	193	10	october	october	PROPN
afbr-919	193	11	10	10	NUM
afbr-919	193	12	,	,	PUNCT
afbr-919	193	13	2020	2020	NUM
afbr-919	193	14	,	,	PUNCT
afbr-919	193	15	from	from	ADP
afbr-919	193	16	https://www.rieti.go.jp/jp/publications/dp/17e086.pdf	https://www.rieti.go.jp/jp/publications/dp/17e086.pdf	NOUN
afbr-919	193	17	artavanis	artavanis	NOUN
afbr-919	193	18	,	,	PUNCT
afbr-919	193	19	n.	n.	NOUN
afbr-919	193	20	,	,	PUNCT
afbr-919	193	21	&	&	CCONJ
afbr-919	193	22	spyridopoulos	spyridopoulos	PROPN
afbr-919	193	23	,	,	PUNCT
afbr-919	193	24	i.	i.	PROPN
afbr-919	193	25	(	(	PUNCT
afbr-919	193	26	2017	2017	NUM
afbr-919	193	27	)	)	PUNCT
afbr-919	193	28	.	.	PUNCT
afbr-919	194	1	foreclosure	foreclosure	NOUN
afbr-919	194	2	moratorium	moratorium	NOUN
afbr-919	194	3	and	and	CCONJ
afbr-919	194	4	strategic	strategic	ADJ
afbr-919	194	5	default	default	NOUN
afbr-919	194	6	.	.	PUNCT
afbr-919	195	1	efma	efma	NOUN
afbr-919	195	2	.	.	PUNCT
afbr-919	196	1	retrieved	retrieve	VERB
afbr-919	196	2	october	october	PROPN
afbr-919	196	3	14	14	NUM
afbr-919	196	4	,	,	PUNCT
afbr-919	196	5	2020	2020	NUM
afbr-919	196	6	,	,	PUNCT
afbr-919	196	7	from	from	ADP
afbr-919	196	8	https://www.frbatlanta.org/-/media/docum	https://www.frbatlanta.org/-/media/docum	X
afbr-919	196	9	ents	ents	PROPN
afbr-919	196	10	/	/	SYM
afbr-919	196	11	news	news	NOUN
afbr-919	196	12	/	/	SYM
afbr-919	196	13	conferences/2017/1201	conferences/2017/1201	ADJ
afbr-919	196	14	-	-	PUNCT
afbr-919	196	15	real	real	ADJ
afbr-919	196	16	-	-	PUNCT
afbr-919	196	17	estate	estate	NOUN
afbr-919	196	18	-	-	PUNCT
afbr-919	196	19	industryforum	industryforum	NOUN
afbr-919	196	20	/	/	SYM
afbr-919	196	21	papers	paper	NOUN
afbr-919	196	22	/	/	SYM
afbr-919	196	23	artavanis_foreclosure_moratorium	artavanis_foreclosure_moratorium	SYM
afbr-919	196	24	_	_	PRON
afbr-919	196	25	and_stategic_default.pdf	and_stategic_default.pdf	PROPN
afbr-919	196	26	arslanalp	arslanalp	PROPN
afbr-919	196	27	,	,	PUNCT
afbr-919	196	28	s.	s.	PROPN
afbr-919	196	29	,	,	PUNCT
afbr-919	196	30	&	&	CCONJ
afbr-919	196	31	henry	henry	PROPN
afbr-919	196	32	,	,	PUNCT
afbr-919	196	33	p.	p.	NOUN
afbr-919	196	34	(	(	PUNCT
afbr-919	196	35	2005	2005	NUM
afbr-919	196	36	)	)	PUNCT
afbr-919	196	37	.	.	PUNCT
afbr-919	197	1	is	be	AUX
afbr-919	197	2	debt	debt	NOUN
afbr-919	197	3	relief	relief	NOUN
afbr-919	197	4	efficient	efficient	ADJ
afbr-919	197	5	?	?	PUNCT
afbr-919	197	6	.	.	PUNCT
afbr-919	198	1	the	the	DET
afbr-919	198	2	journal	journal	NOUN
afbr-919	198	3	of	of	ADP
afbr-919	198	4	finance	finance	NOUN
afbr-919	198	5	,	,	PUNCT
afbr-919	198	6	60(2	60(2	NUM
afbr-919	198	7	)	)	PUNCT
afbr-919	198	8	,	,	PUNCT
afbr-919	198	9	1017	1017	NUM
afbr-919	198	10	-	-	SYM
afbr-919	198	11	1051	1051	NUM
afbr-919	198	12	.	.	PUNCT
afbr-919	199	1	bhargava	bhargava	PROPN
afbr-919	199	2	,	,	PUNCT
afbr-919	199	3	k.	k.	PROPN
afbr-919	199	4	(	(	PUNCT
afbr-919	199	5	2020	2020	NUM
afbr-919	199	6	,	,	PUNCT
afbr-919	199	7	april	april	PROPN
afbr-919	199	8	21	21	NUM
afbr-919	199	9	)	)	PUNCT
afbr-919	199	10	.	.	PUNCT
afbr-919	200	1	loan	loan	NOUN
afbr-919	200	2	moratorium	moratorium	PROPN
afbr-919	200	3	may	may	AUX
afbr-919	200	4	haunt	haunt	VERB
afbr-919	200	5	banks	bank	NOUN
afbr-919	200	6	even	even	ADV
afbr-919	200	7	after	after	ADP
afbr-919	200	8	getting	getting	AUX
afbr-919	200	9	lifted	lift	VERB
afbr-919	200	10	;	;	PUNCT
afbr-919	200	11	moody	moody	PROPN
afbr-919	200	12	’s	’s	PART
afbr-919	200	13	explains	explain	VERB
afbr-919	200	14	post	post	PROPN
afbr-919	200	15	moratorium	moratorium	ADJ
afbr-919	200	16	credit	credit	NOUN
afbr-919	200	17	landscape	landscape	NOUN
afbr-919	200	18	.	.	PUNCT
afbr-919	201	1	financial	financial	ADJ
afbr-919	201	2	express	express	PROPN
afbr-919	201	3	.	.	PUNCT
afbr-919	202	1	retrieved	retrieve	VERB
afbr-919	202	2	october	october	PROPN
afbr-919	202	3	22	22	NUM
afbr-919	202	4	,	,	PUNCT
afbr-919	202	5	2020	2020	NUM
afbr-919	202	6	,	,	PUNCT
afbr-919	202	7	fromhttps://www.financialexpress.com/industry/banking-finance/l	fromhttps://www.financialexpress.com/industry/banking-finance/l	NOUN
afbr-919	202	8	oanmoratorium	oanmoratorium	NOUN
afbr-919	202	9	-	-	PUNCT
afbr-919	202	10	may	may	AUX
afbr-919	202	11	-	-	PUNCT
afbr-919	202	12	haunt	haunt	VERB
afbr-919	202	13	-	-	PUNCT
afbr-919	202	14	banks	bank	NOUN
afbr-919	202	15	-	-	PUNCT
afbr-919	202	16	even	even	ADV
afbr-919	202	17	-	-	PUNCT
afbr-919	202	18	after	after	ADP
afbr-919	202	19	-	-	PUNCT
afbr-919	202	20	getting	getting	NOUN
afbr-919	202	21	-	-	PUNCT
afbr-919	202	22	lifted	lift	VERB
afbr-919	202	23	-	-	PUNCT
afbr-919	202	24	moodys	moodys	NOUN
afbr-919	202	25	-	-	PUNCT
afbr-919	202	26	explains	explain	VERB
afbr-919	202	27	-	-	PUNCT
afbr-919	202	28	post	post	ADJ
afbr-919	202	29	-	-	ADJ
afbr-919	202	30	mo	mo	ADJ
afbr-919	202	31	ratorium	ratorium	NOUN
afbr-919	202	32	-	-	PUNCT
afbr-919	202	33	credit	credit	NOUN
afbr-919	202	34	-	-	PUNCT
afbr-919	202	35	landscape/1935473/	landscape/1935473/	NOUN
afbr-919	202	36	bfsi	bfsi	ADJ
afbr-919	202	37	research	research	NOUN
afbr-919	202	38	care	care	NOUN
afbr-919	202	39	ratings	rating	NOUN
afbr-919	202	40	.	.	PUNCT
afbr-919	203	1	(	(	PUNCT
afbr-919	203	2	2020	2020	NUM
afbr-919	203	3	,	,	PUNCT
afbr-919	203	4	october	october	PROPN
afbr-919	203	5	13	13	NUM
afbr-919	203	6	)	)	PUNCT
afbr-919	203	7	.	.	PUNCT
afbr-919	204	1	analysis	analysis	NOUN
afbr-919	204	2	of	of	ADP
afbr-919	204	3	npa	npa	NOUN
afbr-919	204	4	movement	movement	NOUN
afbr-919	204	5	[	[	X
afbr-919	204	6	circular	circular	X
afbr-919	204	7	]	]	PUNCT
afbr-919	204	8	.	.	PUNCT
afbr-919	205	1	retrieved	retrieve	VERB
afbr-919	205	2	october	october	PROPN
afbr-919	205	3	15	15	NUM
afbr-919	205	4	,	,	PUNCT
afbr-919	205	5	2020	2020	NUM
afbr-919	205	6	,	,	PUNCT
afbr-919	205	7	from	from	ADP
afbr-919	205	8	https://www.careratings.com/upload/newsfiles/splanalysis/analysis%20of%20npa%2	https://www.careratings.com/upload/newsfiles/splanalysis/analysis%20of%20npa%2	NOUN
afbr-919	205	9	0movement.pdf	0movement.pdf	PRON
afbr-919	205	10	collins	collin	NOUN
afbr-919	205	11	,	,	PUNCT
afbr-919	205	12	j.m	j.m	PROPN
afbr-919	205	13	.	.	PROPN
afbr-919	205	14	,	,	PUNCT
afbr-919	205	15	&	&	CCONJ
afbr-919	205	16	urban	urban	PROPN
afbr-919	205	17	,	,	PUNCT
afbr-919	205	18	c.	c.	PROPN
afbr-919	205	19	(	(	PUNCT
afbr-919	205	20	2017	2017	NUM
afbr-919	205	21	)	)	PUNCT
afbr-919	205	22	.	.	PUNCT
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afbr-919	206	9	repayment	repayment	NOUN
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afbr-919	208	6	banking	banking	PROPN
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afbr-919	208	8	vol	vol	NOUN
afbr-919	208	9	.	.	PROPN
afbr-919	209	1	4	4	NUM
afbr-919	209	2	,	,	PUNCT
afbr-919	209	3	no	no	INTJ
afbr-919	209	4	.	.	NOUN
afbr-919	209	5	2	2	NUM
afbr-919	209	6	;	;	PUNCT
afbr-919	209	7	2020	2020	NUM
afbr-919	209	8	13	13	NUM
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afbr-919	209	10	,	,	PUNCT
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afbr-919	210	4	moratorium	moratorium	NOUN
afbr-919	210	5	will	will	AUX
afbr-919	210	6	impact	impact	VERB
afbr-919	210	7	your	your	PRON
afbr-919	210	8	future	future	ADJ
afbr-919	210	9	emis	emis	NOUN
afbr-919	210	10	.	.	PUNCT
afbr-919	211	1	the	the	DET
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afbr-919	211	3	times	time	NOUN
afbr-919	211	4	.	.	PUNCT
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afbr-919	211	6	october	october	PROPN
afbr-919	211	7	7	7	NUM
afbr-919	211	8	,	,	PUNCT
afbr-919	211	9	2020	2020	NUM
afbr-919	211	10	,	,	PUNCT
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afbr-919	211	19	)	)	PUNCT
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afbr-919	212	8	.	.	PUNCT
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afbr-919	213	2	gate	gate	PROPN
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afbr-919	214	1	retrieved	retrieve	VERB
afbr-919	214	2	october	october	PROPN
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afbr-919	214	4	,	,	PUNCT
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afbr-919	214	12	,	,	PUNCT
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afbr-919	214	14	,	,	PUNCT
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afbr-919	214	16	,	,	PUNCT
afbr-919	214	17	&	&	CCONJ
afbr-919	214	18	tantri	tantri	ADJ
afbr-919	214	19	,	,	PUNCT
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afbr-919	214	21	(	(	PUNCT
afbr-919	214	22	2014	2014	NUM
afbr-919	214	23	)	)	PUNCT
afbr-919	214	24	.	.	PUNCT
afbr-919	215	1	costs	cost	NOUN
afbr-919	215	2	and	and	CCONJ
afbr-919	215	3	benefits	benefit	NOUN
afbr-919	215	4	of	of	ADP
afbr-919	215	5	debt	debt	NOUN
afbr-919	215	6	moratoria	moratoria	PROPN
afbr-919	215	7	:	:	PUNCT
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afbr-919	215	9	from	from	ADP
afbr-919	215	10	a	a	DET
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afbr-919	215	12	experiment	experiment	NOUN
afbr-919	215	13	in	in	ADP
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afbr-919	217	1	retrieved	retrieve	VERB
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afbr-919	217	4	,	,	PUNCT
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afbr-919	217	6	,	,	PUNCT
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afbr-919	218	7	)	)	PUNCT
afbr-919	218	8	.	.	PUNCT
afbr-919	219	1	the	the	DET
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afbr-919	219	4	farmers	farmer	NOUN
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afbr-919	219	10	,	,	PUNCT
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afbr-919	219	14	debt	debt	NOUN
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afbr-919	220	9	,	,	PUNCT
afbr-919	220	10	4(8	4(8	NUM
afbr-919	220	11	)	)	PUNCT
afbr-919	220	12	,	,	PUNCT
afbr-919	220	13	835	835	NUM
afbr-919	220	14	-	-	SYM
afbr-919	220	15	840	840	NUM
afbr-919	220	16	.	.	PUNCT
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afbr-919	221	4	india	india	PROPN
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afbr-919	222	3	,	,	PUNCT
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afbr-919	224	11	bank	bank	PROPN
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afbr-919	226	8	[	[	X
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afbr-919	226	15	fromhttps://www.rbi.org.in/scripts/notificationuser.aspx?id=11941&mode=0#:~:text=4	fromhttps://www.rbi.org.in/scripts/notificationuser.aspx?id=11941&mode=0#:~:text=4	ADJ
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afbr-919	229	6	:	:	PUNCT
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afbr-919	230	1	[	[	X
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afbr-919	230	3	october	october	PROPN
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afbr-919	230	5	,	,	PUNCT
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afbr-919	230	7	,	,	PUNCT
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afbr-919	231	1	loan	loan	NOUN
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afbr-919	231	3	impact	impact	NOUN
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afbr-919	231	5	indian	indian	ADJ
afbr-919	231	6	banks	bank	NOUN
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afbr-919	232	9	,	,	PUNCT
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afbr-919	232	12	from	from	ADP
afbr-919	232	13	https://timesofindia.indiatimes.com/readersblog/anichh-economics/loan-moratoriumimpact-on-indian-banks-25556/	https://timesofindia.indiatimes.com/readersblog/anichh-economics/loan-moratoriumimpact-on-indian-banks-25556/	PROPN
afbr-919	232	14	somasundaram	somasundaram	NOUN
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afbr-919	233	5	moratorium	moratorium	NOUN
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afbr-919	235	6	,	,	PUNCT
afbr-919	235	7	march	march	PROPN
afbr-919	235	8	6	6	NUM
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afbr-919	235	10	.	.	PUNCT
afbr-919	236	1	before	before	ADP
afbr-919	236	2	yes	yes	INTJ
afbr-919	236	3	bank	bank	PROPN
afbr-919	236	4	,	,	PUNCT
afbr-919	236	5	moratorium	moratorium	PROPN
afbr-919	236	6	was	be	AUX
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afbr-919	236	8	on	on	ADP
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afbr-919	236	10	8	8	NUM
afbr-919	236	11	banks	bank	NOUN
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afbr-919	237	11	8350	8350	NUM
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afbr-919	237	13	australian	australian	ADJ
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afbr-919	237	16	banking	banking	PROPN
afbr-919	237	17	review	review	PROPN
afbr-919	237	18	vol	vol	NOUN
afbr-919	237	19	.	.	PROPN
afbr-919	238	1	4	4	NUM
afbr-919	238	2	,	,	PUNCT
afbr-919	238	3	no	no	INTJ
afbr-919	238	4	.	.	NOUN
afbr-919	238	5	2	2	NUM
afbr-919	238	6	;	;	PUNCT
afbr-919	238	7	2020	2020	NUM
afbr-919	238	8	14	14	NUM
afbr-919	238	9	sinha	sinha	NOUN
afbr-919	238	10	,	,	PUNCT
afbr-919	238	11	s.	s.	PROPN
afbr-919	238	12	(	(	PUNCT
afbr-919	238	13	2019	2019	NUM
afbr-919	238	14	)	)	PUNCT
afbr-919	238	15	.	.	PUNCT
afbr-919	239	1	as	as	SCONJ
afbr-919	239	2	moratorium	moratorium	NOUN
afbr-919	239	3	ends	end	VERB
afbr-919	239	4	,	,	PUNCT
afbr-919	239	5	npas	npa	NOUN
afbr-919	239	6	may	may	AUX
afbr-919	239	7	rise	rise	VERB
afbr-919	239	8	in	in	ADP
afbr-919	239	9	january	january	PROPN
afbr-919	239	10	.	.	PUNCT
afbr-919	240	1	the	the	DET
afbr-919	240	2	economic	economic	ADJ
afbr-919	240	3	times	time	NOUN
afbr-919	240	4	.	.	PUNCT
afbr-919	240	5	retrieved	retrieve	VERB
afbr-919	240	6	october	october	PROPN
afbr-919	240	7	15	15	NUM
afbr-919	240	8	,	,	PUNCT
afbr-919	240	9	2020	2020	NUM
afbr-919	240	10	,	,	PUNCT
afbr-919	240	11	fromhttps://economictimes.indiatimes.com/industry/ban	fromhttps://economictimes.indiatimes.com/industry/ban	PROPN
afbr-919	240	12	king	king	NOUN
afbr-919	240	13	/	/	SYM
afbr-919	240	14	finance	finance	NOUN
afbr-919	240	15	/	/	SYM
afbr-919	240	16	banking	banking	NOUN
afbr-919	240	17	/	/	SYM
afbr-919	240	18	as	as	ADP
afbr-919	240	19	-	-	PUNCT
afbr-919	240	20	moratorium	moratorium	NOUN
afbr-919	240	21	-	-	PUNCT
afbr-919	240	22	ends	end	NOUN
afbr-919	240	23	-	-	PUNCT
afbr-919	240	24	npas	npas	NOUN
afbr-919	240	25	-	-	PUNCT
afbr-919	240	26	may	may	AUX
afbr-919	240	27	-	-	PUNCT
afbr-919	240	28	rise	rise	VERB
afbr-919	240	29	-	-	PUNCT
afbr-919	240	30	in	in	ADP
afbr-919	240	31	-	-	PUNCT
afbr-919	240	32	january	january	NOUN
afbr-919	240	33	/	/	SYM
afbr-919	241	1	articleshow/730	articleshow/730	PROPN
afbr-919	241	2	39048.cms	39048.cms	NUM
afbr-919	241	3	?	?	PUNCT
afbr-919	242	1	unnikrishnan	unnikrishnan	PROPN
afbr-919	242	2	,	,	PUNCT
afbr-919	242	3	d.	d.	PROPN
afbr-919	242	4	(	(	PUNCT
afbr-919	242	5	2020	2020	NUM
afbr-919	242	6	,	,	PUNCT
afbr-919	242	7	august	august	PROPN
afbr-919	242	8	26	26	NUM
afbr-919	242	9	)	)	PUNCT
afbr-919	242	10	.	.	PUNCT
afbr-919	243	1	rbi	rbi	PROPN
afbr-919	243	2	's	's	PART
afbr-919	243	3	annual	annual	ADJ
afbr-919	243	4	report	report	NOUN
afbr-919	243	5	:	:	PUNCT
afbr-919	243	6	moratorium	moratorium	NOUN
afbr-919	243	7	,	,	PUNCT
afbr-919	243	8	loan	loan	NOUN
afbr-919	243	9	restructuring	restructuring	NOUN
afbr-919	243	10	may	may	AUX
afbr-919	243	11	impact	impact	VERB
afbr-919	243	12	banks	bank	NOUN
afbr-919	243	13	’	'	PUNCT
afbr-919	243	14	health	health	NOUN
afbr-919	243	15	.	.	PUNCT
afbr-919	244	1	money	money	NOUN
afbr-919	244	2	control	control	NOUN
afbr-919	244	3	.	.	PUNCT
afbr-919	245	1	retrieved	retrieve	VERB
afbr-919	245	2	october	october	PROPN
afbr-919	245	3	20	20	NUM
afbr-919	245	4	,	,	PUNCT
afbr-919	245	5	2020	2020	NUM
afbr-919	245	6	,	,	PUNCT
afbr-919	245	7	fromhttps://www.moneycontrol.com/news/business/economy/rbis-annual-report-moratori	fromhttps://www.moneycontrol.com/news/business/economy/rbis-annual-report-moratori	PRON
afbr-919	245	8	um-loan-restructuring-may-impact-banks-health-5752121.html	um-loan-restructuring-may-impact-banks-health-5752121.html	PROPN
afbr-919	245	9	copyrights	copyright	VERB
afbr-919	245	10	copyright	copyright	NOUN
afbr-919	245	11	for	for	ADP
afbr-919	245	12	this	this	DET
afbr-919	245	13	article	article	NOUN
afbr-919	245	14	is	be	AUX
afbr-919	245	15	retained	retain	VERB
afbr-919	245	16	by	by	ADP
afbr-919	245	17	the	the	DET
afbr-919	245	18	author(s	author(s	PROPN
afbr-919	245	19	)	)	PUNCT
afbr-919	245	20	,	,	PUNCT
afbr-919	245	21	with	with	ADP
afbr-919	245	22	first	first	ADJ
afbr-919	245	23	publication	publication	NOUN
afbr-919	245	24	rights	right	NOUN
afbr-919	245	25	granted	grant	VERB
afbr-919	245	26	to	to	ADP
afbr-919	245	27	the	the	DET
afbr-919	245	28	journal	journal	NOUN
afbr-919	245	29	.	.	PUNCT
afbr-919	246	1	this	this	PRON
afbr-919	246	2	is	be	AUX
afbr-919	246	3	an	an	DET
afbr-919	246	4	open	open	ADJ
afbr-919	246	5	-	-	PUNCT
afbr-919	246	6	access	access	NOUN
afbr-919	246	7	article	article	NOUN
afbr-919	246	8	distributed	distribute	VERB
afbr-919	246	9	under	under	ADP
afbr-919	246	10	the	the	DET
afbr-919	246	11	terms	term	NOUN
afbr-919	246	12	and	and	CCONJ
afbr-919	246	13	conditions	condition	NOUN
afbr-919	246	14	of	of	ADP
afbr-919	246	15	the	the	DET
afbr-919	246	16	creative	creative	ADJ
afbr-919	246	17	commons	common	NOUN
afbr-919	246	18	attribution	attribution	NOUN
afbr-919	246	19	license	license	NOUN
afbr-919	246	20	(	(	PUNCT
afbr-919	246	21	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
afbr-919	246	22	)	)	PUNCT