id	keyword
afbr-71	banks
afbr-71	credit
afbr-71	risk
afbr-71	management
afbr-71	monitoring
afbr-71	practices
afbr-71	sector
afbr-71	study
afbr-71	credit risk
afbr-71	review
afbr-71	banking
afbr-71	analysis
afbr-71	risk management