id sid tid token lemma pos issue-39 1 1 baltic baltic PROPN issue-39 1 2 journal journal PROPN issue-39 1 3 of of ADP issue-39 1 4 economic economic ADJ issue-39 1 5 studies study NOUN issue-39 1 6 62 62 NUM issue-39 1 7 vol vol NOUN issue-39 1 8 . . PROPN issue-39 2 1 1 1 NUM issue-39 2 2 , , PUNCT issue-39 2 3 no no INTJ issue-39 2 4 . . NOUN issue-39 2 5 2 2 NUM issue-39 2 6 , , PUNCT issue-39 2 7 2015 2015 NUM issue-39 2 8 trends trend NOUN issue-39 2 9 in in ADP issue-39 2 10 the the DET issue-39 2 11 ukrainian ukrainian ADJ issue-39 2 12 loan loan NOUN issue-39 2 13 market market NOUN issue-39 2 14 in in ADP issue-39 2 15 the the DET issue-39 2 16 post post ADJ issue-39 2 17 - - ADJ issue-39 2 18 crisis crisis ADJ issue-39 2 19 period period NOUN issue-39 2 20 tetiana tetiana PROPN issue-39 2 21 kubakh1 kubakh1 PROPN issue-39 2 22 , , PUNCT issue-39 2 23 ukrainian ukrainian PROPN issue-39 2 24 academy academy PROPN issue-39 2 25 of of ADP issue-39 2 26 banking banking PROPN issue-39 2 27 , , PUNCT issue-39 2 28 ukraine ukraine PROPN issue-39 2 29 abstract abstract NOUN issue-39 2 30 . . PUNCT issue-39 3 1 the the DET issue-39 3 2 purpose purpose NOUN issue-39 3 3 of of ADP issue-39 3 4 the the DET issue-39 3 5 paper paper NOUN issue-39 3 6 is be AUX issue-39 3 7 to to PART issue-39 3 8 systematize systematize VERB issue-39 3 9 the the DET issue-39 3 10 data datum NOUN issue-39 3 11 of of ADP issue-39 3 12 the the DET issue-39 3 13 credit credit NOUN issue-39 3 14 market market NOUN issue-39 3 15 of of ADP issue-39 3 16 ukraine ukraine NOUN issue-39 3 17 in in ADP issue-39 3 18 the the DET issue-39 3 19 period period NOUN issue-39 3 20 of of ADP issue-39 3 21 economic economic ADJ issue-39 3 22 and and CCONJ issue-39 3 23 political political ADJ issue-39 3 24 turmoil turmoil NOUN issue-39 3 25 and and CCONJ issue-39 3 26 the the DET issue-39 3 27 beginning beginning NOUN issue-39 3 28 of of ADP issue-39 3 29 military military ADJ issue-39 3 30 confrontation confrontation NOUN issue-39 3 31 with with ADP issue-39 3 32 russia russia PROPN issue-39 3 33 . . PUNCT issue-39 4 1 the the DET issue-39 4 2 method method NOUN issue-39 4 3 of of ADP issue-39 4 4 extended extended ADJ issue-39 4 5 studies study NOUN issue-39 4 6 allows allow VERB issue-39 4 7 to to PART issue-39 4 8 trace trace VERB issue-39 4 9 the the DET issue-39 4 10 changes change NOUN issue-39 4 11 that that PRON issue-39 4 12 have have AUX issue-39 4 13 occurred occur VERB issue-39 4 14 not not PART issue-39 4 15 only only ADV issue-39 4 16 in in ADP issue-39 4 17 the the DET issue-39 4 18 banking banking NOUN issue-39 4 19 system system NOUN issue-39 4 20 , , PUNCT issue-39 4 21 but but CCONJ issue-39 4 22 also also ADV issue-39 4 23 in in ADP issue-39 4 24 the the DET issue-39 4 25 whole whole NOUN issue-39 4 26 of of ADP issue-39 4 27 the the DET issue-39 4 28 economy economy NOUN issue-39 4 29 . . PUNCT issue-39 5 1 methodology methodology NOUN issue-39 5 2 . . PUNCT issue-39 6 1 the the DET issue-39 6 2 study study NOUN issue-39 6 3 is be AUX issue-39 6 4 based base VERB issue-39 6 5 on on ADP issue-39 6 6 a a DET issue-39 6 7 comparison comparison NOUN issue-39 6 8 of of ADP issue-39 6 9 data datum NOUN issue-39 6 10 on on ADP issue-39 6 11 a a DET issue-39 6 12 number number NOUN issue-39 6 13 of of ADP issue-39 6 14 indicators indicator NOUN issue-39 6 15 that that PRON issue-39 6 16 were be AUX issue-39 6 17 taken take VERB issue-39 6 18 as as ADP issue-39 6 19 a a DET issue-39 6 20 basis basis NOUN issue-39 6 21 and and CCONJ issue-39 6 22 allow allow VERB issue-39 6 23 to to PART issue-39 6 24 fully fully ADV issue-39 6 25 analyze analyze VERB issue-39 6 26 the the DET issue-39 6 27 credit credit NOUN issue-39 6 28 market market NOUN issue-39 6 29 as as ADP issue-39 6 30 a a DET issue-39 6 31 component component NOUN issue-39 6 32 of of ADP issue-39 6 33 the the DET issue-39 6 34 capital capital NOUN issue-39 6 35 market market NOUN issue-39 6 36 in in ADP issue-39 6 37 the the DET issue-39 6 38 period period NOUN issue-39 6 39 from from ADP issue-39 6 40 2000 2000 NUM issue-39 6 41 to to ADP issue-39 6 42 2013 2013 NUM issue-39 6 43 . . PUNCT issue-39 7 1 results result NOUN issue-39 7 2 of of ADP issue-39 7 3 the the DET issue-39 7 4 survey survey NOUN issue-39 7 5 allowed allow VERB issue-39 7 6 to to PART issue-39 7 7 clearly clearly ADV issue-39 7 8 identify identify VERB issue-39 7 9 the the DET issue-39 7 10 problems problem NOUN issue-39 7 11 that that PRON issue-39 7 12 impede impede VERB issue-39 7 13 the the DET issue-39 7 14 stable stable ADJ issue-39 7 15 development development NOUN issue-39 7 16 of of ADP issue-39 7 17 the the DET issue-39 7 18 banking banking NOUN issue-39 7 19 system system NOUN issue-39 7 20 of of ADP issue-39 7 21 ukraine ukraine NOUN issue-39 7 22 , , PUNCT issue-39 7 23 among among ADP issue-39 7 24 which which PRON issue-39 7 25 are be AUX issue-39 7 26 the the DET issue-39 7 27 following follow VERB issue-39 7 28 : : PUNCT issue-39 7 29 high high ADJ issue-39 7 30 cost cost NOUN issue-39 7 31 of of ADP issue-39 7 32 banking banking NOUN issue-39 7 33 products product NOUN issue-39 7 34 , , PUNCT issue-39 7 35 the the DET issue-39 7 36 marriage marriage NOUN issue-39 7 37 of of ADP issue-39 7 38 skilled skilled ADJ issue-39 7 39 personnel personnel NOUN issue-39 7 40 and and CCONJ issue-39 7 41 lack lack NOUN issue-39 7 42 of of ADP issue-39 7 43 confidence confidence NOUN issue-39 7 44 in in ADP issue-39 7 45 banks bank NOUN issue-39 7 46 , , PUNCT issue-39 7 47 low low ADJ issue-39 7 48 level level NOUN issue-39 7 49 of of ADP issue-39 7 50 culture culture NOUN issue-39 7 51 of of ADP issue-39 7 52 users user NOUN issue-39 7 53 of of ADP issue-39 7 54 financial financial ADJ issue-39 7 55 products product NOUN issue-39 7 56 , , PUNCT issue-39 7 57 low low ADJ issue-39 7 58 income income NOUN issue-39 7 59 , , PUNCT issue-39 7 60 high high ADJ issue-39 7 61 yield yield NOUN issue-39 7 62 deposit deposit NOUN issue-39 7 63 operations operation NOUN issue-39 7 64 increases increase VERB issue-39 7 65 the the DET issue-39 7 66 cost cost NOUN issue-39 7 67 of of ADP issue-39 7 68 credit credit NOUN issue-39 7 69 products product NOUN issue-39 7 70 , , PUNCT issue-39 7 71 slowing slow VERB issue-39 7 72 of of ADP issue-39 7 73 economic economic ADJ issue-39 7 74 development development NOUN issue-39 7 75 , , PUNCT issue-39 7 76 lack lack NOUN issue-39 7 77 of of ADP issue-39 7 78 reforms reform NOUN issue-39 7 79 , , PUNCT issue-39 7 80 social social ADJ issue-39 7 81 and and CCONJ issue-39 7 82 political political ADJ issue-39 7 83 tensions tension NOUN issue-39 7 84 , , PUNCT issue-39 7 85 armed armed ADJ issue-39 7 86 conflict conflict NOUN issue-39 7 87 with with ADP issue-39 7 88 a a DET issue-39 7 89 neighboring neighbor VERB issue-39 7 90 state state NOUN issue-39 7 91 . . PUNCT issue-39 8 1 practical practical ADJ issue-39 8 2 implications implication NOUN issue-39 8 3 . . PUNCT issue-39 9 1 a a DET issue-39 9 2 clear clear ADJ issue-39 9 3 definition definition NOUN issue-39 9 4 of of ADP issue-39 9 5 the the DET issue-39 9 6 problems problem NOUN issue-39 9 7 in in ADP issue-39 9 8 the the DET issue-39 9 9 credit credit NOUN issue-39 9 10 market market NOUN issue-39 9 11 as as ADP issue-39 9 12 a a DET issue-39 9 13 component component NOUN issue-39 9 14 of of ADP issue-39 9 15 the the DET issue-39 9 16 banking banking NOUN issue-39 9 17 system system NOUN issue-39 9 18 helped helped AUX issue-39 9 19 identify identify VERB issue-39 9 20 a a DET issue-39 9 21 number number NOUN issue-39 9 22 of of ADP issue-39 9 23 areas area NOUN issue-39 9 24 that that PRON issue-39 9 25 allow allow VERB issue-39 9 26 us we PRON issue-39 9 27 to to PART issue-39 9 28 solve solve VERB issue-39 9 29 the the DET issue-39 9 30 situation situation NOUN issue-39 9 31 . . PUNCT issue-39 10 1 among among ADP issue-39 10 2 them they PRON issue-39 10 3 , , PUNCT issue-39 10 4 first first ADV issue-39 10 5 of of ADP issue-39 10 6 all all PRON issue-39 10 7 , , PUNCT issue-39 10 8 we we PRON issue-39 10 9 should should AUX issue-39 10 10 highlight highlight VERB issue-39 10 11 the the DET issue-39 10 12 following following NOUN issue-39 10 13 : : PUNCT issue-39 10 14 the the DET issue-39 10 15 bank bank NOUN issue-39 10 16 regulator regulator NOUN issue-39 10 17 ( ( PUNCT issue-39 10 18 the the DET issue-39 10 19 national national PROPN issue-39 10 20 bank bank PROPN issue-39 10 21 of of ADP issue-39 10 22 ukraine ukraine PROPN issue-39 10 23 ) ) PUNCT issue-39 10 24 , , PUNCT issue-39 10 25 must must AUX issue-39 10 26 take take VERB issue-39 10 27 a a DET issue-39 10 28 great great ADJ issue-39 10 29 responsibility responsibility NOUN issue-39 10 30 as as ADP issue-39 10 31 the the DET issue-39 10 32 authority authority NOUN issue-39 10 33 of of ADP issue-39 10 34 last last ADJ issue-39 10 35 resort resort NOUN issue-39 10 36 in in ADP issue-39 10 37 the the DET issue-39 10 38 refinancing refinancing NOUN issue-39 10 39 of of ADP issue-39 10 40 a a DET issue-39 10 41 bank bank NOUN issue-39 10 42 , , PUNCT issue-39 10 43 on on ADP issue-39 10 44 a a DET issue-39 10 45 continuous continuous ADJ issue-39 10 46 basis basis NOUN issue-39 10 47 to to PART issue-39 10 48 implement implement VERB issue-39 10 49 the the DET issue-39 10 50 stress stress NOUN issue-39 10 51 testing testing NOUN issue-39 10 52 of of ADP issue-39 10 53 banks bank NOUN issue-39 10 54 in in ADP issue-39 10 55 ukraine ukraine NOUN issue-39 10 56 , , PUNCT issue-39 10 57 to to PART issue-39 10 58 stabilize stabilize VERB issue-39 10 59 inflation inflation NOUN issue-39 10 60 and and CCONJ issue-39 10 61 return return VERB issue-39 10 62 confidence confidence NOUN issue-39 10 63 in in ADP issue-39 10 64 the the DET issue-39 10 65 national national ADJ issue-39 10 66 currency currency NOUN issue-39 10 67 , , PUNCT issue-39 10 68 to to PART issue-39 10 69 set set VERB issue-39 10 70 up up ADP issue-39 10 71 a a DET issue-39 10 72 mechanism mechanism NOUN issue-39 10 73 of of ADP issue-39 10 74 mortgage mortgage NOUN issue-39 10 75 lending lending NOUN issue-39 10 76 by by ADP issue-39 10 77 state state NOUN issue-39 10 78 banks bank NOUN issue-39 10 79 . . PUNCT issue-39 11 1 value value NOUN issue-39 11 2 / / SYM issue-39 11 3 originality originality NOUN issue-39 11 4 . . PUNCT issue-39 12 1 the the DET issue-39 12 2 data datum NOUN issue-39 12 3 was be AUX issue-39 12 4 obtained obtain VERB issue-39 12 5 as as ADP issue-39 12 6 a a DET issue-39 12 7 result result NOUN issue-39 12 8 of of ADP issue-39 12 9 thorough thorough ADJ issue-39 12 10 calculations calculation NOUN issue-39 12 11 possible possible ADJ issue-39 12 12 not not PART issue-39 12 13 only only ADV issue-39 12 14 to to PART issue-39 12 15 identify identify VERB issue-39 12 16 problems problem NOUN issue-39 12 17 but but CCONJ issue-39 12 18 also also ADV issue-39 12 19 to to PART issue-39 12 20 identify identify VERB issue-39 12 21 their their PRON issue-39 12 22 solutions solution NOUN issue-39 12 23 that that PRON issue-39 12 24 will will AUX issue-39 12 25 enable enable VERB issue-39 12 26 the the DET issue-39 12 27 ukrainian ukrainian ADJ issue-39 12 28 banking banking NOUN issue-39 12 29 system system NOUN issue-39 12 30 to to PART issue-39 12 31 reach reach VERB issue-39 12 32 a a DET issue-39 12 33 new new ADJ issue-39 12 34 stage stage NOUN issue-39 12 35 in in ADP issue-39 12 36 its its PRON issue-39 12 37 development development NOUN issue-39 12 38 , , PUNCT issue-39 12 39 and and CCONJ issue-39 12 40 the the DET issue-39 12 41 credit credit NOUN issue-39 12 42 market market NOUN issue-39 12 43 to to PART issue-39 12 44 make make VERB issue-39 12 45 an an DET issue-39 12 46 essential essential ADJ issue-39 12 47 source source NOUN issue-39 12 48 of of ADP issue-39 12 49 economic economic ADJ issue-39 12 50 development development NOUN issue-39 12 51 . . PUNCT issue-39 13 1 key key ADJ issue-39 13 2 words word NOUN issue-39 13 3 : : PUNCT issue-39 13 4 lending lend VERB issue-39 13 5 market market NOUN issue-39 13 6 , , PUNCT issue-39 13 7 economic economic ADJ issue-39 13 8 growth growth NOUN issue-39 13 9 , , PUNCT issue-39 13 10 economic economic ADJ issue-39 13 11 development development NOUN issue-39 13 12 , , PUNCT issue-39 13 13 financial financial ADJ issue-39 13 14 soundness soundness NOUN issue-39 13 15 , , PUNCT issue-39 13 16 banking banking NOUN issue-39 13 17 system system NOUN issue-39 13 18 . . PUNCT issue-39 14 1 jel jel PROPN issue-39 14 2 classification classification NOUN issue-39 14 3 : : PUNCT issue-39 14 4 g01 g01 NOUN issue-39 14 5 , , PUNCT issue-39 14 6 g21 g21 PROPN issue-39 14 7 , , PUNCT issue-39 14 8 e51 e51 VERB issue-39 14 9 1 1 NUM issue-39 14 10 . . PUNCT issue-39 15 1 introduction introduction NOUN issue-39 15 2 risk risk NOUN issue-39 15 3 management management NOUN issue-39 15 4 enhancement enhancement NOUN issue-39 15 5 is be AUX issue-39 15 6 a a DET issue-39 15 7 priority priority NOUN issue-39 15 8 objective objective NOUN issue-39 15 9 in in ADP issue-39 15 10 lending lending NOUN issue-39 15 11 activities activity NOUN issue-39 15 12 of of ADP issue-39 15 13 banks bank NOUN issue-39 15 14 . . PUNCT issue-39 16 1 effective effective ADJ issue-39 16 2 risk risk NOUN issue-39 16 3 management management NOUN issue-39 16 4 is be AUX issue-39 16 5 supposed suppose VERB issue-39 16 6 to to PART issue-39 16 7 enhance enhance VERB issue-39 16 8 financial financial ADJ issue-39 16 9 soundness soundness NOUN issue-39 16 10 in in ADP issue-39 16 11 individual individual ADJ issue-39 16 12 banks bank NOUN issue-39 16 13 and and CCONJ issue-39 16 14 the the DET issue-39 16 15 banking banking NOUN issue-39 16 16 system system NOUN issue-39 16 17 as as ADP issue-39 16 18 a a DET issue-39 16 19 whole whole NOUN issue-39 16 20 . . PUNCT issue-39 17 1 the the DET issue-39 17 2 law law NOUN issue-39 17 3 of of ADP issue-39 17 4 ukraine ukraine NOUN issue-39 17 5 “ " PUNCT issue-39 17 6 on on ADP issue-39 17 7 banks bank NOUN issue-39 17 8 and and CCONJ issue-39 17 9 banking banking NOUN issue-39 17 10 activities activity NOUN issue-39 17 11 ” " PUNCT issue-39 17 12 , , PUNCT issue-39 17 13 enforced enforce VERB issue-39 17 14 in in ADP issue-39 17 15 november november PROPN issue-39 17 16 2006 2006 NUM issue-39 17 17 , , PUNCT issue-39 17 18 opened open VERB issue-39 17 19 up up ADP issue-39 17 20 access access NOUN issue-39 17 21 of of ADP issue-39 17 22 foreign foreign ADJ issue-39 17 23 capital capital NOUN issue-39 17 24 to to ADP issue-39 17 25 the the DET issue-39 17 26 national national ADJ issue-39 17 27 financial financial ADJ issue-39 17 28 market market NOUN issue-39 17 29 . . PUNCT issue-39 18 1 the the DET issue-39 18 2 increasing increase VERB issue-39 18 3 share share NOUN issue-39 18 4 of of ADP issue-39 18 5 foreign foreign ADJ issue-39 18 6 ( ( PUNCT issue-39 18 7 european european ADJ issue-39 18 8 ) ) PUNCT issue-39 18 9 capital capital NOUN issue-39 18 10 in in ADP issue-39 18 11 the the DET issue-39 18 12 ukrainian ukrainian ADJ issue-39 18 13 banking banking NOUN issue-39 18 14 system system NOUN issue-39 18 15 enabled enable VERB issue-39 18 16 for for ADP issue-39 18 17 essential essential ADJ issue-39 18 18 increase increase NOUN issue-39 18 19 in in ADP issue-39 18 20 the the DET issue-39 18 21 credit credit NOUN issue-39 18 22 portfolio portfolio NOUN issue-39 18 23 of of ADP issue-39 18 24 ukrainian ukrainian ADJ issue-39 18 25 banks bank NOUN issue-39 18 26 . . PUNCT issue-39 19 1 yet yet ADV issue-39 19 2 , , PUNCT issue-39 19 3 inadequate inadequate ADJ issue-39 19 4 management management NOUN issue-39 19 5 of of ADP issue-39 19 6 lending lending NOUN issue-39 19 7 policies policy NOUN issue-39 19 8 in in ADP issue-39 19 9 individual individual ADJ issue-39 19 10 banks bank NOUN issue-39 19 11 and and CCONJ issue-39 19 12 the the DET issue-39 19 13 national national PROPN issue-39 19 14 bank bank PROPN issue-39 19 15 of of ADP issue-39 19 16 ukraine ukraine PROPN issue-39 19 17 ( ( PUNCT issue-39 19 18 nbu nbu PROPN issue-39 19 19 ) ) PUNCT issue-39 19 20 as as ADP issue-39 19 21 a a DET issue-39 19 22 regulator regulator NOUN issue-39 19 23 is be AUX issue-39 19 24 still still ADV issue-39 19 25 a a DET issue-39 19 26 pressing press VERB issue-39 19 27 problem problem NOUN issue-39 19 28 faced face VERB issue-39 19 29 by by ADP issue-39 19 30 the the DET issue-39 19 31 ukrainian ukrainian ADJ issue-39 19 32 banking banking NOUN issue-39 19 33 system system NOUN issue-39 19 34 . . PUNCT issue-39 20 1 small small ADJ issue-39 20 2 and and CCONJ issue-39 20 3 medium medium ADJ issue-39 20 4 enterprises enterprise NOUN issue-39 20 5 in in ADP issue-39 20 6 ukraine ukraine NOUN issue-39 20 7 , , PUNCT issue-39 20 8 which which PRON issue-39 20 9 are be AUX issue-39 20 10 supposed suppose VERB issue-39 20 11 to to PART issue-39 20 12 be be AUX issue-39 20 13 central central ADJ issue-39 20 14 to to ADP issue-39 20 15 economic economic ADJ issue-39 20 16 development development NOUN issue-39 20 17 , , PUNCT issue-39 20 18 a a DET issue-39 20 19 priori priori X issue-39 20 20 have have VERB issue-39 20 21 no no DET issue-39 20 22 access access NOUN issue-39 20 23 to to ADP issue-39 20 24 longterm longterm PROPN issue-39 20 25 ( ( PUNCT issue-39 20 26 five five NUM issue-39 20 27 years year NOUN issue-39 20 28 long long ADJ issue-39 20 29 ) ) PUNCT issue-39 20 30 loans loan NOUN issue-39 20 31 required require VERB issue-39 20 32 in in ADP issue-39 20 33 times time NOUN issue-39 20 34 of of ADP issue-39 20 35 structural structural ADJ issue-39 20 36 reforms reform NOUN issue-39 20 37 in in ADP issue-39 20 38 the the DET issue-39 20 39 national national ADJ issue-39 20 40 economy economy NOUN issue-39 20 41 . . PUNCT issue-39 21 1 another another DET issue-39 21 2 debatable debatable ADJ issue-39 21 3 and and CCONJ issue-39 21 4 unresolved unresolved ADJ issue-39 21 5 problem problem NOUN issue-39 21 6 is be AUX issue-39 21 7 access access NOUN issue-39 21 8 to to ADP issue-39 21 9 loans loan NOUN issue-39 21 10 by by ADP issue-39 21 11 physical physical ADJ issue-39 21 12 persons person NOUN issue-39 21 13 , , PUNCT issue-39 21 14 either either CCONJ issue-39 21 15 in in ADP issue-39 21 16 national national ADJ issue-39 21 17 or or CCONJ issue-39 21 18 foreign foreign ADJ issue-39 21 19 currencies currency NOUN issue-39 21 20 . . PUNCT issue-39 22 1 although although SCONJ issue-39 22 2 contributions contribution NOUN issue-39 22 3 of of ADP issue-39 22 4 ukrainian ukrainian ADJ issue-39 22 5 work work NOUN issue-39 22 6 migrants migrant NOUN issue-39 22 7 to to ADP issue-39 22 8 national national PROPN issue-39 22 9 gdp gdp NOUN issue-39 22 10 are be AUX issue-39 22 11 estimated estimate VERB issue-39 22 12 by by ADP issue-39 22 13 national national ADJ issue-39 22 14 experts expert NOUN issue-39 22 15 as as ADP issue-39 22 16 nearly nearly ADV issue-39 22 17 8 8 NUM issue-39 22 18 % % NOUN issue-39 22 19 , , PUNCT issue-39 22 20 ukrainian ukrainian ADJ issue-39 22 21 population population NOUN issue-39 22 22 do do AUX issue-39 22 23 not not PART issue-39 22 24 receive receive VERB issue-39 22 25 salaries salary NOUN issue-39 22 26 and and CCONJ issue-39 22 27 wages wage NOUN issue-39 22 28 in in ADP issue-39 22 29 foreign foreign ADJ issue-39 22 30 currencies currency NOUN issue-39 22 31 . . PUNCT issue-39 23 1 imperfect imperfect ADJ issue-39 23 2 regulation regulation NOUN issue-39 23 3 of of ADP issue-39 23 4 relations relation NOUN issue-39 23 5 between between ADP issue-39 23 6 lenders lender NOUN issue-39 23 7 and and CCONJ issue-39 23 8 borrowers borrower NOUN issue-39 23 9 and and CCONJ issue-39 23 10 unstable unstable ADJ issue-39 23 11 operation operation NOUN issue-39 23 12 of of ADP issue-39 23 13 national national ADJ issue-39 23 14 enterprises enterprise NOUN issue-39 23 15 cause cause VERB issue-39 23 16 additional additional ADJ issue-39 23 17 risks risk NOUN issue-39 23 18 for for ADP issue-39 23 19 the the DET issue-39 23 20 banks bank NOUN issue-39 23 21 , , PUNCT issue-39 23 22 hampering hamper VERB issue-39 23 23 economic economic ADJ issue-39 23 24 development development NOUN issue-39 23 25 due due ADP issue-39 23 26 to to ADP issue-39 23 27 shortage shortage NOUN issue-39 23 28 of of ADP issue-39 23 29 lending lend VERB issue-39 23 30 resources resource NOUN issue-39 23 31 . . PUNCT issue-39 24 1 issues issue NOUN issue-39 24 2 of of ADP issue-39 24 3 lending lending NOUN issue-39 24 4 stimuli stimulus NOUN issue-39 24 5 have have AUX issue-39 24 6 been be AUX issue-39 24 7 in in ADP issue-39 24 8 focus focus NOUN issue-39 24 9 of of ADP issue-39 24 10 many many ADJ issue-39 24 11 ukrainian ukrainian ADJ issue-39 24 12 researchers researcher NOUN issue-39 24 13 : : PUNCT issue-39 25 1 v. v. X issue-39 25 2     SPACE issue-39 25 3 d. d. PROPN issue-39 25 4     SPACE issue-39 25 5 bazelevich bazelevich PROPN issue-39 25 6 , , PUNCT issue-39 25 7 o. o. PROPN issue-39 25 8     SPACE issue-39 25 9 i. i. NOUN issue-39 25 10     SPACE issue-39 25 11 baranoski baranoski PROPN issue-39 25 12 , , PUNCT issue-39 25 13 g. g. PROPN issue-39 25 14     SPACE issue-39 25 15 m. m. NOUN issue-39 25 16     SPACE issue-39 25 17 gritsenko gritsenko PROPN issue-39 25 18 , , PUNCT issue-39 25 19 o. o. PROPN issue-39 25 20     SPACE issue-39 25 21 v. v. PROPN issue-39 25 22     SPACE issue-39 25 23 dzyublyuka dzyublyuka PROPN issue-39 25 24 , , PUNCT issue-39 25 25 v. v. ADP issue-39 25 26     SPACE issue-39 25 27 v. v. NOUN issue-39 25 28     SPACE issue-39 25 29 kovalenko kovalenko PROPN issue-39 25 30 , , PUNCT issue-39 25 31 v. v. PROPN issue-39 25 32     SPACE issue-39 25 33 i. i. NOUN issue-39 25 34     SPACE issue-39 25 35 mischenko mischenko PROPN issue-39 25 36 , , PUNCT issue-39 25 37 a. a. NOUN issue-39 25 38     SPACE issue-39 25 39 m. m. NOUN issue-39 25 40     SPACE issue-39 25 41 moroz moroz PROPN issue-39 25 42 , , PUNCT issue-39 25 43 s. s. PROPN issue-39 25 44     SPACE issue-39 25 45 v. v. PROPN issue-39 25 46     SPACE issue-39 25 47 naumenkova naumenkova PROPN issue-39 25 48 , , PUNCT issue-39 25 49 l. l. PROPN issue-39 25 50     SPACE issue-39 25 51 o. o. PROPN issue-39 25 52     SPACE issue-39 25 53 primostkin primostkin NOUN issue-39 25 54 , , PUNCT issue-39 25 55 to to PART issue-39 25 56 mention mention VERB issue-39 25 57 just just ADV issue-39 25 58 a a DET issue-39 25 59 few few ADJ issue-39 25 60 . . PUNCT issue-39 26 1 however however ADV issue-39 26 2 , , PUNCT issue-39 26 3 a a DET issue-39 26 4 range range NOUN issue-39 26 5 of of ADP issue-39 26 6 issues issue NOUN issue-39 26 7 related relate VERB issue-39 26 8 with with ADP issue-39 26 9 creating create VERB issue-39 26 10 stimuli stimulus NOUN issue-39 26 11 for for ADP issue-39 26 12 effective effective ADJ issue-39 26 13 and and CCONJ issue-39 26 14 balanced balanced ADJ issue-39 26 15 policies policy NOUN issue-39 26 16 in in ADP issue-39 26 17 еру еру NOUN issue-39 26 18 post post ADJ issue-39 26 19 - - ADJ issue-39 26 20 crisis crisis ADJ issue-39 26 21 period period NOUN issue-39 26 22 in in ADP issue-39 26 23 ukraine ukraine PROPN issue-39 26 24 are be AUX issue-39 26 25 yet yet ADV issue-39 26 26 to to PART issue-39 26 27 be be AUX issue-39 26 28 studied study VERB issue-39 26 29 . . PUNCT issue-39 27 1 in in ADP issue-39 27 2 view view NOUN issue-39 27 3 of of ADP issue-39 27 4 the the DET issue-39 27 5 above above NOUN issue-39 27 6 , , PUNCT issue-39 27 7 the the DET issue-39 27 8 study study NOUN issue-39 27 9 aims aim VERB issue-39 27 10 at at ADP issue-39 27 11 analysis analysis NOUN issue-39 27 12 of of ADP issue-39 27 13 recent recent ADJ issue-39 27 14 trends trend NOUN issue-39 27 15 in in ADP issue-39 27 16 the the DET issue-39 27 17 ukrainian ukrainian ADJ issue-39 27 18 lending lending NOUN issue-39 27 19 market market NOUN issue-39 27 20 and and CCONJ issue-39 27 21 its its PRON issue-39 27 22 efficiency efficiency NOUN issue-39 27 23 enhancement enhancement NOUN issue-39 27 24 perspectives perspective NOUN issue-39 27 25 . . PUNCT issue-39 28 1 corresponding correspond VERB issue-39 28 2 author author NOUN issue-39 28 3 : : PUNCT issue-39 28 4 1 1 NUM issue-39 28 5 department department NOUN issue-39 28 6 of of ADP issue-39 28 7 finance finance NOUN issue-39 28 8 , , PUNCT issue-39 28 9 ukrainian ukrainian PROPN issue-39 28 10 academy academy NOUN issue-39 28 11 of of ADP issue-39 28 12 banking banking NOUN issue-39 28 13 . . PUNCT issue-39 29 1 e e X issue-39 29 2 - - NOUN issue-39 29 3 mail mail NOUN issue-39 29 4 : : PUNCT issue-39 29 5 infopovh@mail.ru infopovh@mail.ru PROPN issue-39 29 6 baltic baltic PROPN issue-39 29 7 journal journal PROPN issue-39 29 8 of of ADP issue-39 29 9 economic economic ADJ issue-39 29 10 studies study NOUN issue-39 29 11 63 63 NUM issue-39 29 12 vol vol NOUN issue-39 29 13 . . PROPN issue-39 30 1 1 1 NUM issue-39 30 2 , , PUNCT issue-39 30 3 no no INTJ issue-39 30 4 . . NOUN issue-39 30 5 2 2 NUM issue-39 30 6 , , PUNCT issue-39 30 7 2015 2015 NUM issue-39 30 8 2 2 NUM issue-39 30 9 . . PUNCT issue-39 30 10 results result VERB issue-39 30 11 the the DET issue-39 30 12 ukrainian ukrainian ADJ issue-39 30 13 lending lending NOUN issue-39 30 14 markets market NOUN issue-39 30 15 has have AUX issue-39 30 16 been be AUX issue-39 30 17 under under ADP issue-39 30 18 permanent permanent ADJ issue-39 30 19 transformations transformation NOUN issue-39 30 20 , , PUNCT issue-39 30 21 with with ADP issue-39 30 22 lending lending NOUN issue-39 30 23 - - PUNCT issue-39 30 24 specific specific ADJ issue-39 30 25 issues issue NOUN issue-39 30 26 being be AUX issue-39 30 27 subject subject ADJ issue-39 30 28 of of ADP issue-39 30 29 concern concern NOUN issue-39 30 30 by by ADP issue-39 30 31 not not PART issue-39 30 32 only only ADJ issue-39 30 33 researchers researcher NOUN issue-39 30 34 or or CCONJ issue-39 30 35 financial financial ADJ issue-39 30 36 experts expert NOUN issue-39 30 37 , , PUNCT issue-39 30 38 but but CCONJ issue-39 30 39 all all DET issue-39 30 40 the the DET issue-39 30 41 population population NOUN issue-39 30 42 groups group NOUN issue-39 30 43 . . PUNCT issue-39 31 1 being be AUX issue-39 31 2 dependent dependent ADJ issue-39 31 3 on on ADP issue-39 31 4 the the DET issue-39 31 5 economic economic ADJ issue-39 31 6 model model NOUN issue-39 31 7 , , PUNCT issue-39 31 8 lending lending NOUN issue-39 31 9 market market NOUN issue-39 31 10 has have VERB issue-39 31 11 heavy heavy ADJ issue-39 31 12 implications implication NOUN issue-39 31 13 for for ADP issue-39 31 14 it it PRON issue-39 31 15 . . PUNCT issue-39 32 1 as as ADP issue-39 32 2 a a DET issue-39 32 3 component component NOUN issue-39 32 4 of of ADP issue-39 32 5 capital capital NOUN issue-39 32 6 market market NOUN issue-39 32 7 , , PUNCT issue-39 32 8 lending lending NOUN issue-39 32 9 market market NOUN issue-39 32 10 has have VERB issue-39 32 11 implications implication NOUN issue-39 32 12 not not PART issue-39 32 13 only only ADV issue-39 32 14 for for ADP issue-39 32 15 the the DET issue-39 32 16 regulation regulation NOUN issue-39 32 17 of of ADP issue-39 32 18 monetary monetary ADJ issue-39 32 19 circulation circulation NOUN issue-39 32 20 , , PUNCT issue-39 32 21 but but CCONJ issue-39 32 22 for for ADP issue-39 32 23 flows flow NOUN issue-39 32 24 , , PUNCT issue-39 32 25 re re NOUN issue-39 32 26 - - NOUN issue-39 32 27 distributions distribution NOUN issue-39 32 28 and and CCONJ issue-39 32 29 effective effective ADJ issue-39 32 30 use use NOUN issue-39 32 31 of of ADP issue-39 32 32 financial financial ADJ issue-39 32 33 resources resource NOUN issue-39 32 34 . . PUNCT issue-39 33 1 the the DET issue-39 33 2 ukrainian ukrainian ADJ issue-39 33 3 banking banking NOUN issue-39 33 4 system system NOUN issue-39 33 5 as as ADP issue-39 33 6 a a DET issue-39 33 7 whole whole NOUN issue-39 33 8 and and CCONJ issue-39 33 9 the the DET issue-39 33 10 lending lending NOUN issue-39 33 11 market market NOUN issue-39 33 12 in in ADP issue-39 33 13 particular particular ADJ issue-39 33 14 has have AUX issue-39 33 15 demonstrated demonstrate VERB issue-39 33 16 rapid rapid ADJ issue-39 33 17 expansion expansion NOUN issue-39 33 18 in in ADP issue-39 33 19 the the DET issue-39 33 20 latest late ADJ issue-39 33 21 years year NOUN issue-39 33 22 , , PUNCT issue-39 33 23 with with ADP issue-39 33 24 notable notable ADJ issue-39 33 25 quantitative quantitative ADJ issue-39 33 26 and and CCONJ issue-39 33 27 qualitative qualitative ADJ issue-39 33 28 change change NOUN issue-39 33 29 in in ADP issue-39 33 30 2000–2013 2000–2013 NUM issue-39 33 31 ( ( PUNCT issue-39 33 32 see see VERB issue-39 33 33 chart chart NOUN issue-39 33 34 1 1 NUM issue-39 33 35 ) ) PUNCT issue-39 33 36 . . PUNCT issue-39 34 1 the the DET issue-39 34 2 banking banking NOUN issue-39 34 3 system system NOUN issue-39 34 4 showed show VERB issue-39 34 5 recovery recovery NOUN issue-39 34 6 in in ADP issue-39 34 7 2011 2011 NUM issue-39 34 8 , , PUNCT issue-39 34 9 along along ADP issue-39 34 10 with with ADP issue-39 34 11 signs sign NOUN issue-39 34 12 of of ADP issue-39 34 13 stabilization stabilization NOUN issue-39 34 14 in in ADP issue-39 34 15 the the DET issue-39 34 16 national national ADJ issue-39 34 17 economy economy NOUN issue-39 34 18 . . PUNCT issue-39 35 1 yet yet ADV issue-39 35 2 , , PUNCT issue-39 35 3 instability instability NOUN issue-39 35 4 at at ADP issue-39 35 5 the the DET issue-39 35 6 global global ADJ issue-39 35 7 financial financial ADJ issue-39 35 8 market market NOUN issue-39 35 9 and and CCONJ issue-39 35 10 lack lack NOUN issue-39 35 11 of of ADP issue-39 35 12 vivid vivid ADJ issue-39 35 13 positive positive ADJ issue-39 35 14 change change NOUN issue-39 35 15 in in ADP issue-39 35 16 the the DET issue-39 35 17 ukrainian ukrainian ADJ issue-39 35 18 economy economy NOUN issue-39 35 19 slowed slow VERB issue-39 35 20 down down ADP issue-39 35 21 development development NOUN issue-39 35 22 of of ADP issue-39 35 23 the the DET issue-39 35 24 national national ADJ issue-39 35 25 banking banking NOUN issue-39 35 26 system system NOUN issue-39 35 27 . . PUNCT issue-39 36 1 a a DET issue-39 36 2 menacing menacing ADJ issue-39 36 3 trend trend NOUN issue-39 36 4 has have AUX issue-39 36 5 been be AUX issue-39 36 6 the the DET issue-39 36 7 increasing increase VERB issue-39 36 8 ratio ratio NOUN issue-39 36 9 of of ADP issue-39 36 10 bank bank NOUN issue-39 36 11 liabilities liability NOUN issue-39 36 12 to to ADP issue-39 36 13 gdp gdp NOUN issue-39 36 14 after after ADP issue-39 36 15 2008 2008 NUM issue-39 36 16 , , PUNCT issue-39 36 17 which which PRON issue-39 36 18 signals signal VERB issue-39 36 19 the the DET issue-39 36 20 occurrence occurrence NOUN issue-39 36 21 of of ADP issue-39 36 22 problems problem NOUN issue-39 36 23 with with ADP issue-39 36 24 return return NOUN issue-39 36 25 of of ADP issue-39 36 26 bank bank NOUN issue-39 36 27 deposits deposit NOUN issue-39 36 28 in in ADP issue-39 36 29 future future NOUN issue-39 36 30 . . PUNCT issue-39 37 1 the the DET issue-39 37 2 problem problem NOUN issue-39 37 3 per per X issue-39 37 4 se se X issue-39 37 5 occurred occur VERB issue-39 37 6 in in ADP issue-39 37 7 august august PROPN issue-39 37 8 - - PUNCT issue-39 37 9 september september PROPN issue-39 37 10 2014 2014 NUM issue-39 37 11 . . PUNCT issue-39 38 1 a a DET issue-39 38 2 good good ADJ issue-39 38 3 number number NOUN issue-39 38 4 of of ADP issue-39 38 5 banks bank NOUN issue-39 38 6 with with ADP issue-39 38 7 debts debt NOUN issue-39 38 8 to to PART issue-39 38 9 deposit deposit NOUN issue-39 38 10 clients client NOUN issue-39 38 11 are be AUX issue-39 38 12 incapable incapable ADJ issue-39 38 13 to to PART issue-39 38 14 reimburse reimburse VERB issue-39 38 15 the the DET issue-39 38 16 debt debt NOUN issue-39 38 17 at at ADP issue-39 38 18 call call NOUN issue-39 38 19 , , PUNCT issue-39 38 20 as as SCONJ issue-39 38 21 specified specify VERB issue-39 38 22 in in ADP issue-39 38 23 the the DET issue-39 38 24 deposit deposit NOUN issue-39 38 25 agreement agreement NOUN issue-39 38 26 . . PUNCT issue-39 39 1 21,8 21,8 PROPN issue-39 39 2 23,3 23,3 NUM issue-39 39 3 28,3 28,3 NUM issue-39 39 4 37,9 37,9 NUM issue-39 39 5 39 39 NUM issue-39 39 6 50,4 50,4 NUM issue-39 39 7 63,4 63,4 VERB issue-39 39 8 84,1 84,1 NUM issue-39 39 9 102,4 102,4 NUM issue-39 39 10 109,5 109,5 NOUN issue-39 39 11 99,6 99,6 NOUN issue-39 39 12 111,9 111,9 NUM issue-39 39 13 108,2 108,2 NOUN issue-39 39 14 102,4 102,4 PROPN issue-39 39 15 18 18 NUM issue-39 39 16 19,4 19,4 NUM issue-39 40 1 23,9 23,9 NUM issue-39 41 1 33,1 33,1 NUM issue-39 41 2 33,6 33,6 NUM issue-39 41 3 44,4 44,4 PROPN issue-39 41 4 55,5 55,5 PROPN issue-39 42 1 74,3 74,3 NUM issue-39 42 2 84,9 84,9 NUM issue-39 42 3 96,2 96,2 NUM issue-39 42 4 86,1 86,1 VERB issue-39 42 5 83,0 83,0 NUM issue-39 42 6 73,6 73,6 NUM issue-39 42 7 76,9 76,9 ADJ issue-39 43 1 13,9 13,9 NUM issue-39 43 2 15,7 15,7 NUM issue-39 43 3 20,7 20,7 NUM issue-39 43 4 27,8 27,8 NUM issue-39 43 5 28,2 28,2 NOUN issue-39 44 1 36,8 36,8 NUM issue-39 44 2 50,3 50,3 NUM issue-39 44 3 68,1 68,1 NOUN issue-39 44 4 83,4 83,4 ADJ issue-39 44 5 83,6 83,6 PROPN issue-39 44 6 73,5 73,5 NUM issue-39 45 1 71,8 71,8 NOUN issue-39 45 2 60,9 60,9 NOUN issue-39 45 3 62,7 62,7 NUM issue-39 45 4 3 3 NUM issue-39 45 5 3,9 3,9 NUM issue-39 45 6 4,5 4,5 NUM issue-39 45 7 5 5 NUM issue-39 45 8 5,3 5,3 NUM issue-39 45 9 6,2 6,2 NUM issue-39 45 10 7,7 7,7 NUM issue-39 45 11 10,1 10,1 NUM issue-39 45 12 12,5 12,5 NUM issue-39 45 13 12,6 12,6 NUM issue-39 45 14 12,6 12,6 NUM issue-39 45 15 14,4 14,4 NUM issue-39 45 16 13,0 13,0 NUM issue-39 45 17 13,6 13,6 NUM issue-39 45 18 0 0 NUM issue-39 45 19 20 20 NUM issue-39 45 20 40 40 NUM issue-39 45 21 60 60 NUM issue-39 45 22 80 80 NUM issue-39 45 23 100 100 NUM issue-39 45 24 120 120 NUM issue-39 45 25 2000 2000 NUM issue-39 45 26 2001 2001 NUM issue-39 45 27 2002 2002 NUM issue-39 45 28 2003 2003 NUM issue-39 45 29 2004 2004 NUM issue-39 45 30 2005 2005 NUM issue-39 45 31 2006 2006 NUM issue-39 45 32 2007 2007 NUM issue-39 45 33 2008 2008 NUM issue-39 45 34 2009 2009 NUM issue-39 45 35 2010 2010 NUM issue-39 45 36 2011 2011 NUM issue-39 45 37 2012 2012 NUM issue-39 45 38 2013 2013 NUM issue-39 45 39 % % NOUN issue-39 45 40 ratio ratio NOUN issue-39 45 41 of of ADP issue-39 45 42 bank bank NOUN issue-39 45 43 assets asset NOUN issue-39 45 44 to to ADP issue-39 45 45 gdp gdp NOUN issue-39 45 46 , , PUNCT issue-39 45 47 % % INTJ issue-39 45 48 ratio ratio NOUN issue-39 45 49 of of ADP issue-39 45 50 bank bank NOUN issue-39 45 51 liabilities liability NOUN issue-39 45 52 to to ADP issue-39 45 53 gdp gdp NOUN issue-39 45 54 , , PUNCT issue-39 45 55 % % INTJ issue-39 45 56 ratio ratio NOUN issue-39 45 57 of of ADP issue-39 45 58 bank bank NOUN issue-39 45 59 loans loan NOUN issue-39 45 60 to to ADP issue-39 45 61 gdp gdp NOUN issue-39 45 62 , , PUNCT issue-39 45 63 % % INTJ issue-39 45 64 ratio ratio NOUN issue-39 45 65 of of ADP issue-39 45 66 bank bank NOUN issue-39 45 67 equity equity NOUN issue-39 45 68 to to ADP issue-39 45 69 gdp gdp PROPN issue-39 45 70 , , PUNCT issue-39 45 71 % % INTJ issue-39 45 72 chart chart NOUN issue-39 45 73 1 1 NUM issue-39 45 74 . . PUNCT issue-39 45 75 key key ADJ issue-39 45 76 indicators indicator NOUN issue-39 45 77 of of ADP issue-39 45 78 the the DET issue-39 45 79 ukrainian ukrainian ADJ issue-39 45 80 banking banking NOUN issue-39 45 81 system system NOUN issue-39 45 82 source source NOUN issue-39 45 83 : : PUNCT issue-39 45 84 constructed construct VERB issue-39 45 85 by by ADP issue-39 45 86 the the DET issue-39 45 87 author author NOUN issue-39 45 88 by by ADP issue-39 45 89 data datum NOUN issue-39 45 90 from from ADP issue-39 45 91 nbu nbu PROPN issue-39 45 92 and and CCONJ issue-39 45 93 state state PROPN issue-39 45 94 statistics statistic NOUN issue-39 45 95 service service NOUN issue-39 45 96 of of ADP issue-39 45 97 ukraine ukraine PROPN issue-39 45 98 the the DET issue-39 45 99 sufficiency sufficiency NOUN issue-39 45 100 of of ADP issue-39 45 101 regulatory regulatory ADJ issue-39 45 102 capital capital NOUN issue-39 45 103 , , PUNCT issue-39 45 104 slightly slightly ADV issue-39 45 105 grown grow VERB issue-39 45 106 in in ADP issue-39 45 107 2000–2013 2000–2013 NUM issue-39 45 108 from from ADP issue-39 45 109 15.53 15.53 NUM issue-39 45 110 % % NOUN issue-39 45 111 to to ADP issue-39 45 112 18.26 18.26 NUM issue-39 45 113 % % NOUN issue-39 45 114 , , PUNCT issue-39 45 115 indicates indicate VERB issue-39 45 116 on on ADP issue-39 45 117 inadequate inadequate ADJ issue-39 45 118 capitalization capitalization NOUN issue-39 45 119 in in ADP issue-39 45 120 the the DET issue-39 45 121 ukrainian ukrainian ADJ issue-39 45 122 banking banking NOUN issue-39 45 123 system system NOUN issue-39 45 124 . . PUNCT issue-39 46 1 also also ADV issue-39 46 2 , , PUNCT issue-39 46 3 the the DET issue-39 46 4 gradually gradually ADV issue-39 46 5 declining decline VERB issue-39 46 6 share share NOUN issue-39 46 7 of of ADP issue-39 46 8 equity equity NOUN issue-39 46 9 in in ADP issue-39 46 10 the the DET issue-39 46 11 structure structure NOUN issue-39 46 12 of of ADP issue-39 46 13 liabilities liability NOUN issue-39 46 14 is be AUX issue-39 46 15 an an DET issue-39 46 16 evidence evidence NOUN issue-39 46 17 of of ADP issue-39 46 18 risk risk NOUN issue-39 46 19 policies policy NOUN issue-39 46 20 pursued pursue VERB issue-39 46 21 by by ADP issue-39 46 22 banks bank NOUN issue-39 46 23 with with ADP issue-39 46 24 respect respect NOUN issue-39 46 25 to to ADP issue-39 46 26 liabilities liability NOUN issue-39 46 27 and and CCONJ issue-39 46 28 lending lending NOUN issue-39 46 29 transactions transaction NOUN issue-39 46 30 . . PUNCT issue-39 47 1 this this PRON issue-39 47 2 weakens weaken VERB issue-39 47 3 financial financial ADJ issue-39 47 4 stability stability NOUN issue-39 47 5 of of ADP issue-39 47 6 the the DET issue-39 47 7 banking banking NOUN issue-39 47 8 system system NOUN issue-39 47 9 , , PUNCT issue-39 47 10 with with ADP issue-39 47 11 negative negative ADJ issue-39 47 12 effects effect NOUN issue-39 47 13 for for ADP issue-39 47 14 the the DET issue-39 47 15 financial financial ADJ issue-39 47 16 security security NOUN issue-39 47 17 of of ADP issue-39 47 18 the the DET issue-39 47 19 state state NOUN issue-39 47 20 . . PUNCT issue-39 48 1 rapid rapid ADJ issue-39 48 2 decline decline NOUN issue-39 48 3 in in ADP issue-39 48 4 the the DET issue-39 48 5 profit profit NOUN issue-39 48 6 rate rate NOUN issue-39 48 7 of of ADP issue-39 48 8 capital capital NOUN issue-39 48 9 in in ADP issue-39 48 10 2009 2009 NUM issue-39 48 11 and and CCONJ issue-39 48 12 its its PRON issue-39 48 13 negative negative ADJ issue-39 48 14 value value NOUN issue-39 48 15 in in ADP issue-39 48 16 2010–2011 2010–2011 NUM issue-39 48 17 pushed push VERB issue-39 48 18 bank bank NOUN issue-39 48 19 managers manager NOUN issue-39 48 20 to to PART issue-39 48 21 revise revise VERB issue-39 48 22 both both DET issue-39 48 23 organizing organize VERB issue-39 48 24 structure structure NOUN issue-39 48 25 and and CCONJ issue-39 48 26 client client NOUN issue-39 48 27 policies policy NOUN issue-39 48 28 ( ( PUNCT issue-39 48 29 see see VERB issue-39 48 30 chart chart NOUN issue-39 48 31 2 2 NUM issue-39 48 32 ) ) PUNCT issue-39 48 33 . . PUNCT issue-39 49 1 yet yet ADV issue-39 49 2 , , PUNCT issue-39 49 3 more more ADV issue-39 49 4 rapid rapid ADJ issue-39 49 5 decline decline NOUN issue-39 49 6 in in ADP issue-39 49 7 profitability profitability NOUN issue-39 49 8 rate rate NOUN issue-39 49 9 in in ADP issue-39 49 10 2013 2013 NUM issue-39 49 11 than than ADP issue-39 49 12 in in ADP issue-39 49 13 the the DET issue-39 49 14 previous previous ADJ issue-39 49 15 period period NOUN issue-39 49 16 shows show VERB issue-39 49 17 that that SCONJ issue-39 49 18 the the DET issue-39 49 19 problems problem NOUN issue-39 49 20 faced face VERB issue-39 49 21 by by ADP issue-39 49 22 banks bank NOUN issue-39 49 23 and and CCONJ issue-39 49 24 the the DET issue-39 49 25 government government NOUN issue-39 49 26 as as ADV issue-39 49 27 early early ADV issue-39 49 28 as as ADP issue-39 49 29 in in ADP issue-39 49 30 the the DET issue-39 49 31 crisis crisis NOUN issue-39 49 32 year year NOUN issue-39 49 33 of of ADP issue-39 49 34 2008 2008 NUM issue-39 49 35 have have AUX issue-39 49 36 still still ADV issue-39 49 37 been be AUX issue-39 49 38 overlooked overlook VERB issue-39 49 39 . . PUNCT issue-39 50 1 -40 -40 PROPN issue-39 51 1 -30 -30 NUM issue-39 51 2 -20 -20 NUM issue-39 51 3 -10 -10 PUNCT issue-39 52 1 0 0 NUM issue-39 52 2 10 10 NUM issue-39 52 3 20 20 NUM issue-39 52 4 30 30 NUM issue-39 52 5 2000 2000 NUM issue-39 52 6 2001 2001 NUM issue-39 52 7 2002 2002 NUM issue-39 52 8 2003 2003 NUM issue-39 52 9 2004 2004 NUM issue-39 52 10 2005 2005 NUM issue-39 52 11 2006 2006 NUM issue-39 52 12 2007 2007 NUM issue-39 52 13 2008 2008 NUM issue-39 52 14 2009 2009 NUM issue-39 52 15 2010 2010 NUM issue-39 52 16 2011 2011 NUM issue-39 52 17 2012 2012 NUM issue-39 52 18 2013 2013 NUM issue-39 52 19 % % NOUN issue-39 52 20 share share NOUN issue-39 52 21 of of ADP issue-39 52 22 equity equity NOUN issue-39 52 23 in in ADP issue-39 52 24 bank bank NOUN issue-39 52 25 liabilities liability NOUN issue-39 52 26 , , PUNCT issue-39 52 27 % % NOUN issue-39 52 28 profitability profitability NOUN issue-39 52 29 rate rate NOUN issue-39 52 30 of of ADP issue-39 52 31 capital capital NOUN issue-39 52 32 , , PUNCT issue-39 52 33 % % INTJ issue-39 52 34 chart chart NOUN issue-39 52 35 2 2 NUM issue-39 52 36 . . PUNCT issue-39 52 37 indicators indicator NOUN issue-39 52 38 of of ADP issue-39 52 39 banking banking NOUN issue-39 52 40 system system NOUN issue-39 52 41 capitalization capitalization NOUN issue-39 52 42 source source NOUN issue-39 52 43 : : PUNCT issue-39 52 44 constructed construct VERB issue-39 52 45 by by ADP issue-39 52 46 the the DET issue-39 52 47 author author NOUN issue-39 52 48 by by ADP issue-39 52 49 data datum NOUN issue-39 52 50 from from ADP issue-39 52 51 nbu nbu PROPN issue-39 52 52 and and CCONJ issue-39 52 53 state state PROPN issue-39 52 54 statistics statistic NOUN issue-39 52 55 service service NOUN issue-39 52 56 of of ADP issue-39 52 57 ukraine ukraine NOUN issue-39 52 58 the the DET issue-39 52 59 essential essential ADJ issue-39 52 60 problems problem NOUN issue-39 52 61 for for ADP issue-39 52 62 bank bank NOUN issue-39 52 63 managers manager NOUN issue-39 52 64 are be AUX issue-39 52 65 : : PUNCT issue-39 52 66 1 1 X issue-39 52 67 . . X issue-39 52 68 high high ADJ issue-39 52 69 spending spending NOUN issue-39 52 70 on on ADP issue-39 52 71 introduction introduction NOUN issue-39 52 72 of of ADP issue-39 52 73 new new ADJ issue-39 52 74 programs program NOUN issue-39 52 75 and and CCONJ issue-39 52 76 services service NOUN issue-39 52 77 . . PUNCT issue-39 53 1 2 2 X issue-39 53 2 . . X issue-39 53 3 shortage shortage NOUN issue-39 53 4 of of ADP issue-39 53 5 skilled skilled ADJ issue-39 53 6 personnel personnel NOUN issue-39 53 7 capable capable ADJ issue-39 53 8 to to AUX issue-39 53 9 effectively effectively ADV issue-39 53 10 contact contact VERB issue-39 53 11 and and CCONJ issue-39 53 12 communicate communicate VERB issue-39 53 13 with with ADP issue-39 53 14 clients client NOUN issue-39 53 15 . . PUNCT issue-39 54 1 3 3 X issue-39 54 2 . . X issue-39 54 3 population population NOUN issue-39 54 4 ’s ’s PART issue-39 54 5 distrust distrust NOUN issue-39 54 6 in in ADP issue-39 54 7 banks bank NOUN issue-39 54 8 . . PUNCT issue-39 55 1 4 4 X issue-39 55 2 . . X issue-39 55 3 poor poor ADJ issue-39 55 4 competencies competency NOUN issue-39 55 5 and and CCONJ issue-39 55 6 awareness awareness NOUN issue-39 55 7 of of ADP issue-39 55 8 the the DET issue-39 55 9 public public NOUN issue-39 55 10 regarding regard VERB issue-39 55 11 use use NOUN issue-39 55 12 of of ADP issue-39 55 13 bank bank NOUN issue-39 55 14 services service NOUN issue-39 55 15 . . PUNCT issue-39 56 1 5 5 X issue-39 56 2 . . X issue-39 56 3 poor poor ADJ issue-39 56 4 population population NOUN issue-39 56 5 ’s ’s PART issue-39 56 6 income income NOUN issue-39 56 7 , , PUNCT issue-39 56 8 hampering hamper VERB issue-39 56 9 deposit deposit NOUN issue-39 56 10 strategies strategy NOUN issue-39 56 11 of of ADP issue-39 56 12 banks bank NOUN issue-39 56 13 . . PUNCT issue-39 57 1 6 6 NUM issue-39 57 2 . . X issue-39 57 3 high high ADJ issue-39 57 4 interest interest NOUN issue-39 57 5 rates rate NOUN issue-39 57 6 on on ADP issue-39 57 7 deposits deposit NOUN issue-39 57 8 ( ( PUNCT issue-39 57 9 20–23 20–23 NOUN issue-39 57 10 % % NOUN issue-39 57 11 on on ADP issue-39 57 12 deposits deposit NOUN issue-39 57 13 in in ADP issue-39 57 14 national national ADJ issue-39 57 15 currency currency NOUN issue-39 57 16 ) ) PUNCT issue-39 57 17 , , PUNCT issue-39 57 18 increasing increase VERB issue-39 57 19 the the DET issue-39 57 20 price price NOUN issue-39 57 21 of of ADP issue-39 57 22 loans loan NOUN issue-39 57 23 ( ( PUNCT issue-39 57 24 25 25 NUM issue-39 57 25 – – SYM issue-39 57 26 27 27 NUM issue-39 57 27 % % NOUN issue-39 57 28 ) ) PUNCT issue-39 57 29 , , PUNCT issue-39 57 30 repress repress VERB issue-39 57 31 lending lending NOUN issue-39 57 32 capacities capacity NOUN issue-39 57 33 of of ADP issue-39 57 34 banks bank NOUN issue-39 57 35 . . PUNCT issue-39 58 1 7 7 X issue-39 58 2 . . X issue-39 58 3 bad bad ADJ issue-39 58 4 condition condition NOUN issue-39 58 5 of of ADP issue-39 58 6 the the DET issue-39 58 7 national national ADJ issue-39 58 8 economy economy NOUN issue-39 58 9 . . PUNCT issue-39 59 1 8 8 X issue-39 59 2 . . PUNCT issue-39 59 3 social social ADJ issue-39 59 4 and and CCONJ issue-39 59 5 political political ADJ issue-39 59 6 instability instability NOUN issue-39 59 7 . . PUNCT issue-39 60 1 9 9 X issue-39 60 2 . . X issue-39 60 3 military military ADJ issue-39 60 4 conflict conflict NOUN issue-39 60 5 . . PUNCT issue-39 61 1 with with ADP issue-39 61 2 consideration consideration NOUN issue-39 61 3 to to ADP issue-39 61 4 the the DET issue-39 61 5 above above NOUN issue-39 61 6 , , PUNCT issue-39 61 7 a a DET issue-39 61 8 more more ADV issue-39 61 9 detailed detailed ADJ issue-39 61 10 analysis analysis NOUN issue-39 61 11 of of ADP issue-39 61 12 the the DET issue-39 61 13 lending lending NOUN issue-39 61 14 market market NOUN issue-39 61 15 as as ADP issue-39 61 16 a a DET issue-39 61 17 capital capital NOUN issue-39 61 18 market market NOUN issue-39 61 19 component component NOUN issue-39 61 20 is be AUX issue-39 61 21 going go VERB issue-39 61 22 to to PART issue-39 61 23 be be AUX issue-39 61 24 made make VERB issue-39 61 25 . . PUNCT issue-39 62 1 in in ADP issue-39 62 2 2000–2013 2000–2013 NUM issue-39 62 3 , , PUNCT issue-39 62 4 the the DET issue-39 62 5 share share NOUN issue-39 62 6 of of ADP issue-39 62 7 loans loan NOUN issue-39 62 8 in in ADP issue-39 62 9 gdp gdp NOUN issue-39 62 10 rapidly rapidly ADV issue-39 62 11 grew grow VERB issue-39 62 12 from from ADP issue-39 62 13 12 12 NUM issue-39 62 14 % % NOUN issue-39 62 15 to to ADP issue-39 62 16 61 61 NUM issue-39 62 17 % % NOUN issue-39 62 18 . . PUNCT issue-39 63 1 this this DET issue-39 63 2 tendency tendency NOUN issue-39 63 3 may may AUX issue-39 63 4 well well ADV issue-39 63 5 be be AUX issue-39 63 6 referred refer VERB issue-39 63 7 to to ADP issue-39 63 8 as as ADP issue-39 63 9 a a DET issue-39 63 10 positive positive ADJ issue-39 63 11 one one NOUN issue-39 63 12 in in ADP issue-39 63 13 the the DET issue-39 63 14 ukrainian ukrainian ADJ issue-39 63 15 economy economy NOUN issue-39 63 16 , , PUNCT issue-39 63 17 but but CCONJ issue-39 63 18 the the DET issue-39 63 19 low low ADJ issue-39 63 20 quality quality NOUN issue-39 63 21 of of ADP issue-39 63 22 credit credit NOUN issue-39 63 23 portfolio portfolio NOUN issue-39 63 24 and and CCONJ issue-39 63 25 the the DET issue-39 63 26 rates rate NOUN issue-39 63 27 of of ADP issue-39 63 28 lending lending NOUN issue-39 63 29 expansion expansion NOUN issue-39 63 30 , , PUNCT issue-39 63 31 apart apart ADV issue-39 63 32 from from ADP issue-39 63 33 destabilizing destabilizing ADJ issue-39 63 34 effects effect NOUN issue-39 63 35 for for ADP issue-39 63 36 the the DET issue-39 63 37 capital capital NOUN issue-39 63 38 market market NOUN issue-39 63 39 and and CCONJ issue-39 63 40 the the DET issue-39 63 41 financial financial ADJ issue-39 63 42 system system NOUN issue-39 63 43 , , PUNCT issue-39 63 44 had have VERB issue-39 63 45 negative negative ADJ issue-39 63 46 implications implication NOUN issue-39 63 47 for for ADP issue-39 63 48 the the DET issue-39 63 49 overall overall ADJ issue-39 63 50 social social ADJ issue-39 63 51 and and CCONJ issue-39 63 52 economic economic ADJ issue-39 63 53 conditions condition NOUN issue-39 63 54 in in ADP issue-39 63 55 ukraine ukraine NOUN issue-39 63 56 . . PUNCT issue-39 64 1 it it PRON issue-39 64 2 should should AUX issue-39 64 3 be be AUX issue-39 64 4 born bear VERB issue-39 64 5 in in ADP issue-39 64 6 mind mind NOUN issue-39 64 7 that that SCONJ issue-39 64 8 the the DET issue-39 64 9 share share NOUN issue-39 64 10 of of ADP issue-39 64 11 loans loan NOUN issue-39 64 12 in in ADP issue-39 64 13 national national ADJ issue-39 64 14 gdp gdp NOUN issue-39 64 15 was be AUX issue-39 64 16 rapidly rapidly ADV issue-39 64 17 growing grow VERB issue-39 64 18 in in ADP issue-39 64 19 2005–2009 2005–2009 NUM issue-39 64 20 due due ADJ issue-39 64 21 to to ADP issue-39 64 22 “ " PUNCT issue-39 64 23 lending lend VERB issue-39 64 24 fever fever NOUN issue-39 64 25 ” " PUNCT issue-39 64 26 of of ADP issue-39 64 27 national national ADJ issue-39 64 28 economies economy NOUN issue-39 64 29 . . PUNCT issue-39 65 1 it it PRON issue-39 65 2 should should AUX issue-39 65 3 be be AUX issue-39 65 4 noted note VERB issue-39 65 5 that that SCONJ issue-39 65 6 although although SCONJ issue-39 65 7 the the DET issue-39 65 8 share share NOUN issue-39 65 9 of of ADP issue-39 65 10 long long ADJ issue-39 65 11 - - PUNCT issue-39 65 12 term term NOUN issue-39 65 13 loans loan NOUN issue-39 65 14 in in ADP issue-39 65 15 ukrainian ukrainian ADJ issue-39 65 16 gdp gdp NOUN issue-39 65 17 grew grow VERB issue-39 65 18 from from ADP issue-39 65 19 2 2 NUM issue-39 65 20 to to PART issue-39 65 21 29 29 NUM issue-39 65 22 % % NOUN issue-39 65 23 in in ADP issue-39 65 24 2000–2013 2000–2013 NUM issue-39 65 25 , , PUNCT issue-39 65 26 its its PRON issue-39 65 27 peak peak NOUN issue-39 65 28 ( ( PUNCT issue-39 65 29 maximum maximum ADJ issue-39 65 30 ) ) PUNCT issue-39 65 31 of of ADP issue-39 65 32 54 54 NUM issue-39 65 33 % % NOUN issue-39 65 34 occurred occur VERB issue-39 65 35 in in ADP issue-39 65 36 2008 2008 NUM issue-39 65 37 and and CCONJ issue-39 65 38 2009 2009 NUM issue-39 65 39 . . PUNCT issue-39 66 1 the the DET issue-39 66 2 share share NOUN issue-39 66 3 of of ADP issue-39 66 4 short short ADJ issue-39 66 5 - - PUNCT issue-39 66 6 term term NOUN issue-39 66 7 loans loan NOUN issue-39 66 8 grew grow VERB issue-39 66 9 from from ADP issue-39 66 10 9 9 NUM issue-39 66 11 to to PART issue-39 66 12 32 32 NUM issue-39 66 13 % % NOUN issue-39 66 14 , , PUNCT issue-39 66 15 but but CCONJ issue-39 66 16 , , PUNCT issue-39 66 17 unlike unlike ADP issue-39 66 18 longterm longterm PROPN issue-39 66 19 loans loan NOUN issue-39 66 20 , , PUNCT issue-39 66 21 it it PRON issue-39 66 22 has have AUX issue-39 66 23 been be AUX issue-39 66 24 constantly constantly ADV issue-39 66 25 up up ADV issue-39 66 26 over over ADP issue-39 66 27 the the DET issue-39 66 28 latest late ADJ issue-39 66 29 14 14 NUM issue-39 66 30 years year NOUN issue-39 66 31 . . PUNCT issue-39 67 1 regarding regard VERB issue-39 67 2 the the DET issue-39 67 3 change change NOUN issue-39 67 4 in in ADP issue-39 67 5 proportion proportion NOUN issue-39 67 6 between between ADP issue-39 67 7 long long ADJ issue-39 67 8 - - PUNCT issue-39 67 9 term term NOUN issue-39 67 10 and and CCONJ issue-39 67 11 short short ADJ issue-39 67 12 - - PUNCT issue-39 67 13 term term NOUN issue-39 67 14 loans loan NOUN issue-39 67 15 , , PUNCT issue-39 67 16 a a DET issue-39 67 17 turning turning NOUN issue-39 67 18 point point NOUN issue-39 67 19 occurred occur VERB issue-39 67 20 2004 2004 NUM issue-39 67 21 , , PUNCT issue-39 67 22 when when SCONJ issue-39 67 23 the the DET issue-39 67 24 share share NOUN issue-39 67 25 of of ADP issue-39 67 26 long long ADJ issue-39 67 27 - - PUNCT issue-39 67 28 term term NOUN issue-39 67 29 loans loan NOUN issue-39 67 30 in in ADP issue-39 67 31 gdp gdp NOUN issue-39 67 32 exceeded exceed VERB issue-39 67 33 first first ADV issue-39 67 34 ever ever ADV issue-39 67 35 since since ADV issue-39 67 36 , , PUNCT issue-39 67 37 by by ADP issue-39 67 38 2 2 NUM issue-39 67 39 % % NOUN issue-39 67 40 , , PUNCT issue-39 67 41 the the DET issue-39 67 42 share share NOUN issue-39 67 43 of of ADP issue-39 67 44 short short ADJ issue-39 67 45 - - PUNCT issue-39 67 46 term term NOUN issue-39 67 47 loans loan NOUN issue-39 67 48 in in ADP issue-39 67 49 gdp gdp NOUN issue-39 67 50 . . PUNCT issue-39 68 1 this this DET issue-39 68 2 trend trend NOUN issue-39 68 3 followed follow VERB issue-39 68 4 baltic baltic ADJ issue-39 68 5 journal journal PROPN issue-39 68 6 of of ADP issue-39 68 7 economic economic ADJ issue-39 68 8 studies study NOUN issue-39 68 9 64 64 NUM issue-39 68 10 vol vol NOUN issue-39 68 11 . . PROPN issue-39 69 1 1 1 NUM issue-39 69 2 , , PUNCT issue-39 69 3 no no INTJ issue-39 69 4 . . NOUN issue-39 69 5 2 2 NUM issue-39 69 6 , , PUNCT issue-39 69 7 2015 2015 NUM issue-39 69 8 up up ADV issue-39 69 9 , , PUNCT issue-39 69 10 with with ADP issue-39 69 11 the the DET issue-39 69 12 gap gap NOUN issue-39 69 13 between between ADP issue-39 69 14 the the DET issue-39 69 15 two two NUM issue-39 69 16 shares share NOUN issue-39 69 17 growing grow VERB issue-39 69 18 year year NOUN issue-39 69 19 - - PUNCT issue-39 69 20 to to ADP issue-39 69 21 - - PUNCT issue-39 69 22 year year NOUN issue-39 69 23 ; ; PUNCT issue-39 69 24 but but CCONJ issue-39 69 25 in in ADP issue-39 69 26 2013 2013 NUM issue-39 69 27 they they PRON issue-39 69 28 were be AUX issue-39 69 29 nearly nearly ADV issue-39 69 30 equal equal ADJ issue-39 69 31 . . PUNCT issue-39 70 1 it it PRON issue-39 70 2 is be AUX issue-39 70 3 remarkable remarkable ADJ issue-39 70 4 that that SCONJ issue-39 70 5 it it PRON issue-39 70 6 was be AUX issue-39 70 7 in in ADP issue-39 70 8 these these DET issue-39 70 9 years year NOUN issue-39 70 10 ( ( PUNCT issue-39 70 11 2004 2004 NUM issue-39 70 12 and and CCONJ issue-39 70 13 2013 2013 NUM issue-39 70 14 ) ) PUNCT issue-39 70 15 when when SCONJ issue-39 70 16 ukraine ukraine PROPN issue-39 70 17 witnessed witness VERB issue-39 70 18 two two NUM issue-39 70 19 revolutions revolution NOUN issue-39 70 20 , , PUNCT issue-39 70 21 “ " PUNCT issue-39 70 22 orange orange PROPN issue-39 70 23 revolution revolution PROPN issue-39 70 24 ” " PUNCT issue-39 70 25 and and CCONJ issue-39 70 26 “ " PUNCT issue-39 70 27 revolution revolution NOUN issue-39 70 28 of of ADP issue-39 70 29 honor honor NOUN issue-39 70 30 ” " PUNCT issue-39 70 31 . . PUNCT issue-39 71 1 it it PRON issue-39 71 2 should should AUX issue-39 71 3 be be AUX issue-39 71 4 noted note VERB issue-39 71 5 that that SCONJ issue-39 71 6 the the DET issue-39 71 7 share share NOUN issue-39 71 8 of of ADP issue-39 71 9 loans loan NOUN issue-39 71 10 , , PUNCT issue-39 71 11 in in ADP issue-39 71 12 national national ADJ issue-39 71 13 and and CCONJ issue-39 71 14 in in ADP issue-39 71 15 foreign foreign ADJ issue-39 71 16 currencies currency NOUN issue-39 71 17 , , PUNCT issue-39 71 18 in in ADP issue-39 71 19 gdp gdp NOUN issue-39 71 20 was be AUX issue-39 71 21 gradually gradually ADV issue-39 71 22 increasing increase VERB issue-39 71 23 in in ADP issue-39 71 24 the the DET issue-39 71 25 analyzed analyze VERB issue-39 71 26 period period NOUN issue-39 71 27 . . PUNCT issue-39 72 1 however however ADV issue-39 72 2 , , PUNCT issue-39 72 3 while while SCONJ issue-39 72 4 the the DET issue-39 72 5 share share NOUN issue-39 72 6 of of ADP issue-39 72 7 loans loan NOUN issue-39 72 8 in in ADP issue-39 72 9 foreign foreign ADJ issue-39 72 10 currencies currency NOUN issue-39 72 11 in in ADP issue-39 72 12 gdp gdp NOUN issue-39 72 13 shrank shrink VERB issue-39 72 14 remarkably remarkably ADV issue-39 72 15 from from ADP issue-39 72 16 46 46 NUM issue-39 72 17 % % NOUN issue-39 72 18 ( ( PUNCT issue-39 72 19 in in ADP issue-39 72 20 2008 2008 NUM issue-39 72 21 ) ) PUNCT issue-39 72 22 to to ADP issue-39 72 23 20 20 NUM issue-39 72 24 % % NOUN issue-39 72 25 ( ( PUNCT issue-39 72 26 in in ADP issue-39 72 27 2013 2013 NUM issue-39 72 28 ) ) PUNCT issue-39 72 29 , , PUNCT issue-39 72 30 the the DET issue-39 72 31 share share NOUN issue-39 72 32 of of ADP issue-39 72 33 loans loan NOUN issue-39 72 34 in in ADP issue-39 72 35 the the DET issue-39 72 36 national national ADJ issue-39 72 37 currency currency NOUN issue-39 72 38 grew grow VERB issue-39 72 39 in in ADP issue-39 72 40 this this DET issue-39 72 41 period period NOUN issue-39 72 42 from from ADP issue-39 72 43 32 32 NUM issue-39 72 44 % % NOUN issue-39 72 45 to to ADP issue-39 72 46 41 41 NUM issue-39 72 47 % % NOUN issue-39 72 48 ( ( PUNCT issue-39 72 49 see see VERB issue-39 72 50 chart chart NOUN issue-39 72 51 3 3 NUM issue-39 72 52 ) ) PUNCT issue-39 72 53 . . PUNCT issue-39 73 1 it it PRON issue-39 73 2 is be AUX issue-39 73 3 remarkable remarkable ADJ issue-39 73 4 that that SCONJ issue-39 73 5 the the DET issue-39 73 6 share share NOUN issue-39 73 7 of of ADP issue-39 73 8 credit credit NOUN issue-39 73 9 portfolio portfolio NOUN issue-39 73 10 in in ADP issue-39 73 11 the the DET issue-39 73 12 assets asset NOUN issue-39 73 13 was be AUX issue-39 73 14 higher high ADJ issue-39 73 15 than than ADP issue-39 73 16 the the DET issue-39 73 17 allowed allow VERB issue-39 73 18 maximum maximum NOUN issue-39 73 19 of of ADP issue-39 73 20 65 65 NUM issue-39 73 21 % % NOUN issue-39 73 22 in in ADP issue-39 73 23 2006–2011 2006–2011 NUM issue-39 73 24 . . PUNCT issue-39 74 1 apart apart ADV issue-39 74 2 from from ADP issue-39 74 3 the the DET issue-39 74 4 aggravating aggravating ADJ issue-39 74 5 performance performance NOUN issue-39 74 6 in in ADP issue-39 74 7 the the DET issue-39 74 8 national national ADJ issue-39 74 9 banking banking NOUN issue-39 74 10 sector sector NOUN issue-39 74 11 , , PUNCT issue-39 74 12 overburden overburden VERB issue-39 74 13 with with ADP issue-39 74 14 loans loan NOUN issue-39 74 15 endangered endanger VERB issue-39 74 16 financial financial ADJ issue-39 74 17 security security NOUN issue-39 74 18 and and CCONJ issue-39 74 19 stability stability NOUN issue-39 74 20 of of ADP issue-39 74 21 the the DET issue-39 74 22 national national ADJ issue-39 74 23 economy economy NOUN issue-39 74 24 . . PUNCT issue-39 75 1 it it PRON issue-39 75 2 should should AUX issue-39 75 3 be be AUX issue-39 75 4 emphasized emphasize VERB issue-39 75 5 that that SCONJ issue-39 75 6 while while SCONJ issue-39 75 7 in in ADP issue-39 75 8 2000 2000 NUM issue-39 75 9 the the DET issue-39 75 10 amount amount NOUN issue-39 75 11 of of ADP issue-39 75 12 loans loan NOUN issue-39 75 13 given give VERB issue-39 75 14 to to ADP issue-39 75 15 legal legal ADJ issue-39 75 16 entities entity NOUN issue-39 75 17 exceeded exceed VERB issue-39 75 18 the the DET issue-39 75 19 mount mount NOUN issue-39 75 20 of of ADP issue-39 75 21 loans loan NOUN issue-39 75 22 with with ADP issue-39 75 23 physical physical ADJ issue-39 75 24 persons person NOUN issue-39 75 25 19 19 NUM issue-39 75 26 - - NOUN issue-39 75 27 fold fold ADJ issue-39 75 28 , , PUNCT issue-39 75 29 in in ADP issue-39 75 30 2013 2013 NUM issue-39 75 31 this this DET issue-39 75 32 chart chart NOUN issue-39 75 33 fell fall VERB issue-39 75 34 to to ADP issue-39 75 35 3.5 3.5 NUM issue-39 75 36 - - NUM issue-39 75 37 fold fold ADJ issue-39 75 38 , , PUNCT issue-39 75 39 which which PRON issue-39 75 40 is be AUX issue-39 75 41 an an DET issue-39 75 42 evidence evidence NOUN issue-39 75 43 of of ADP issue-39 75 44 eating eat VERB issue-39 75 45 up up ADP issue-39 75 46 the the DET issue-39 75 47 capital capital NOUN issue-39 75 48 rather rather ADV issue-39 75 49 than than ADP issue-39 75 50 its its PRON issue-39 75 51 investment investment NOUN issue-39 75 52 in in ADP issue-39 75 53 economic economic ADJ issue-39 75 54 purposes purpose NOUN issue-39 75 55 ( ( PUNCT issue-39 75 56 see see VERB issue-39 75 57 table table NOUN issue-39 75 58 1 1 NUM issue-39 75 59 ) ) PUNCT issue-39 75 60 . . PUNCT issue-39 76 1 regarding regard VERB issue-39 76 2 the the DET issue-39 76 3 ratio ratio NOUN issue-39 76 4 of of ADP issue-39 76 5 long long ADJ issue-39 76 6 - - PUNCT issue-39 76 7 term term NOUN issue-39 76 8 and and CCONJ issue-39 76 9 short short ADJ issue-39 76 10 - - PUNCT issue-39 76 11 term term NOUN issue-39 76 12 loans loan NOUN issue-39 76 13 , , PUNCT issue-39 76 14 the the DET issue-39 76 15 short short ADJ issue-39 76 16 - - PUNCT issue-39 76 17 term term NOUN issue-39 76 18 loans loan NOUN issue-39 76 19 had have VERB issue-39 76 20 a a DET issue-39 76 21 larger large ADJ issue-39 76 22 share share NOUN issue-39 76 23 in in ADP issue-39 76 24 the the DET issue-39 76 25 total total ADJ issue-39 76 26 loans loan NOUN issue-39 76 27 in in ADP issue-39 76 28 2000–2013 2000–2013 NUM issue-39 76 29 , , PUNCT issue-39 76 30 whereas whereas SCONJ issue-39 76 31 in in ADP issue-39 76 32 2004 2004 NUM issue-39 76 33 the the DET issue-39 76 34 ratio ratio NOUN issue-39 76 35 changed change VERB issue-39 76 36 in in ADP issue-39 76 37 favor favor NOUN issue-39 76 38 of of ADP issue-39 76 39 long long ADJ issue-39 76 40 - - PUNCT issue-39 76 41 term term NOUN issue-39 76 42 loans loan NOUN issue-39 76 43 , , PUNCT issue-39 76 44 which which PRON issue-39 76 45 , , PUNCT issue-39 76 46 we we PRON issue-39 76 47 believe believe VERB issue-39 76 48 , , PUNCT issue-39 76 49 was be AUX issue-39 76 50 a a DET issue-39 76 51 positive positive ADJ issue-39 76 52 sign sign NOUN issue-39 76 53 for for ADP issue-39 76 54 economic economic ADJ issue-39 76 55 development development NOUN issue-39 76 56 in in ADP issue-39 76 57 the the DET issue-39 76 58 years year NOUN issue-39 76 59 to to PART issue-39 76 60 come come VERB issue-39 76 61 . . PUNCT issue-39 77 1 table table NOUN issue-39 77 2 1 1 NUM issue-39 77 3 loan loan NOUN issue-39 77 4 given give VERB issue-39 77 5 by by ADP issue-39 77 6 ukrainian ukrainian ADJ issue-39 77 7 banks bank NOUN issue-39 77 8 in in ADP issue-39 77 9 2000–2013 2000–2013 NUM issue-39 77 10 year year NOUN issue-39 77 11 loans loan NOUN issue-39 77 12 including include VERB issue-39 77 13 long long ADJ issue-39 77 14 - - PUNCT issue-39 77 15 term term NOUN issue-39 77 16 loans loan NOUN issue-39 77 17 short short ADJ issue-39 77 18 - - PUNCT issue-39 77 19 term term NOUN issue-39 77 20 loans loan NOUN issue-39 77 21 total total ADJ issue-39 77 22 loans loan NOUN issue-39 77 23 given give VERB issue-39 77 24 to to ADP issue-39 77 25 legal legal ADJ issue-39 77 26 entities entity NOUN issue-39 77 27 loans loan NOUN issue-39 77 28 given give VERB issue-39 77 29 to to ADP issue-39 77 30 physical physical ADJ issue-39 77 31 persons person NOUN issue-39 77 32 total total ADJ issue-39 77 33 loans loan NOUN issue-39 77 34 given give VERB issue-39 77 35 to to ADP issue-39 77 36 legal legal ADJ issue-39 77 37 entities entity NOUN issue-39 77 38 loans loan NOUN issue-39 77 39 given give VERB issue-39 77 40 to to ADP issue-39 77 41 physical physical ADJ issue-39 77 42 persons person NOUN issue-39 77 43 total total ADJ issue-39 77 44 loans loan NOUN issue-39 77 45 given give VERB issue-39 77 46 to to ADP issue-39 77 47 legal legal ADJ issue-39 77 48 entities entity NOUN issue-39 77 49 loans loan NOUN issue-39 77 50 given give VERB issue-39 77 51 to to ADP issue-39 77 52 physical physical ADJ issue-39 77 53 persons person NOUN issue-39 77 54 2000 2000 NUM issue-39 77 55 19574 19574 NUM issue-39 77 56 18594 18594 NUM issue-39 77 57 980 980 NUM issue-39 77 58 3514 3514 NUM issue-39 77 59 3072 3072 NUM issue-39 77 60 442 442 NUM issue-39 77 61 16060 16060 NUM issue-39 77 62 16060 16060 NUM issue-39 77 63 538 538 NUM issue-39 77 64 2001 2001 NUM issue-39 77 65 28373 28373 NUM issue-39 77 66 26955 26955 NUM issue-39 77 67 1418 1418 NUM issue-39 77 68 6156 6156 NUM issue-39 77 69 5652 5652 NUM issue-39 77 70 504 504 NUM issue-39 77 71 22218 22218 NUM issue-39 77 72 22218 22218 NUM issue-39 77 73 914 914 NUM issue-39 77 74 2002 2002 NUM issue-39 77 75 42035 42035 NUM issue-39 77 76 38721 38721 NUM issue-39 77 77 3313 3313 NUM issue-39 77 78 11849 11849 NUM issue-39 77 79 10202 10202 NUM issue-39 77 80 1647 1647 NUM issue-39 77 81 30185 30185 NUM issue-39 77 82 30185 30185 NUM issue-39 77 83 1666 1666 NUM issue-39 77 84 2003 2003 NUM issue-39 77 85 67835 67835 NUM issue-39 77 86 58849 58849 NUM issue-39 77 87 8986 8986 NUM issue-39 77 88 30553 30553 NUM issue-39 77 89 24466 24466 NUM issue-39 77 90 6086 6086 NUM issue-39 77 91 37282 37282 NUM issue-39 77 92 37282 37282 NUM issue-39 77 93 2900 2900 NUM issue-39 77 94 2004 2004 NUM issue-39 77 95 88579 88579 NUM issue-39 77 96 73785 73785 NUM issue-39 77 97 14794 14794 NUM issue-39 77 98 48003 48003 NUM issue-39 77 99 36722 36722 NUM issue-39 77 100 11282 11282 NUM issue-39 77 101 40575 40575 NUM issue-39 77 102 40575 40575 NUM issue-39 77 103 3513 3513 NUM issue-39 77 104 2005 2005 NUM issue-39 77 105 143418 143418 NUM issue-39 77 106 109895 109895 NUM issue-39 77 107 33523 33523 NUM issue-39 77 108 88599 88599 NUM issue-39 77 109 31088 31088 NUM issue-39 77 110 27511 27511 NUM issue-39 77 111 54819 54819 NUM issue-39 77 112 54819 54819 NUM issue-39 77 113 6012 6012 NUM issue-39 77 114 2006 2006 NUM issue-39 77 115 245226 245226 NUM issue-39 77 116 166683 166683 NUM issue-39 77 117 78543 78543 NUM issue-39 77 118 159033 159033 NUM issue-39 77 119 92231 92231 NUM issue-39 77 120 66801 66801 NUM issue-39 77 121 86193 86193 NUM issue-39 77 122 86193 86193 NUM issue-39 77 123 11742 11742 NUM issue-39 77 124 2007 2007 NUM issue-39 77 125 426683 426683 NUM issue-39 77 126 271417 271417 NUM issue-39 77 127 155446 155446 NUM issue-39 77 128 295362 295362 NUM issue-39 77 129 159444 159444 NUM issue-39 77 130 135918 135918 NUM issue-39 77 131 131501 131501 NUM issue-39 77 132 131501 131501 NUM issue-39 77 133 19528 19528 NUM issue-39 77 134 2008 2008 NUM issue-39 77 135 733919 733919 NUM issue-39 77 136 460529 460529 NUM issue-39 77 137 273390 273390 NUM issue-39 77 138 507715 507715 NUM issue-39 77 139 266204 266204 NUM issue-39 77 140 241511 241511 NUM issue-39 77 141 226204 226204 NUM issue-39 77 142 226204 226204 NUM issue-39 77 143 27803 27803 NUM issue-39 77 144 2009 2009 NUM issue-39 77 145 723295 723295 NUM issue-39 77 146 481984 481984 NUM issue-39 77 147 241311 241311 NUM issue-39 77 148 492321 492321 NUM issue-39 77 149 268247 268247 NUM issue-39 77 150 215367 215367 NUM issue-39 77 151 230974 230974 NUM issue-39 77 152 207982 207982 NUM issue-39 77 153 25944 25944 NUM issue-39 77 154 2010 2010 NUM issue-39 77 155 732823 732823 NUM issue-39 77 156 523208 523208 NUM issue-39 77 157 209615 209615 NUM issue-39 77 158 490091 490091 NUM issue-39 77 159 311013 311013 NUM issue-39 77 160 179038 179038 NUM issue-39 77 161 242772 242772 NUM issue-39 77 162 215679 215679 NUM issue-39 77 163 28795 28795 NUM issue-39 77 164 2011 2011 NUM issue-39 77 165 776769 776769 NUM issue-39 77 166 575545 575545 NUM issue-39 77 167 201224 201224 NUM issue-39 77 168 484924 484924 NUM issue-39 77 169 324247 324247 NUM issue-39 77 170 160677 160677 NUM issue-39 77 171 291845 291845 NUM issue-39 77 172 251298 251298 NUM issue-39 77 173 40547 40547 NUM issue-39 77 174 2012 2012 NUM issue-39 77 175 793054 793054 NUM issue-39 77 176 605425 605425 NUM issue-39 77 177 187629 187629 NUM issue-39 77 178 441026 441026 NUM issue-39 77 179 308878 308878 NUM issue-39 77 180 132148 132148 NUM issue-39 77 181 352028 352028 NUM issue-39 77 182 296547 296547 NUM issue-39 77 183 55481 55481 NUM issue-39 77 184 2013 2013 NUM issue-39 77 185 885432 885432 NUM issue-39 77 186 691903 691903 NUM issue-39 77 187 193529 193529 NUM issue-39 77 188 468879 468879 NUM issue-39 77 189 333091 333091 NUM issue-39 77 190 135788 135788 NUM issue-39 77 191 416553 416553 NUM issue-39 77 192 358812 358812 NUM issue-39 77 193 57741 57741 NUM issue-39 77 194 rate rate NOUN issue-39 77 195 of of ADP issue-39 77 196 growth growth NOUN issue-39 77 197 , , PUNCT issue-39 77 198 % % NOUN issue-39 77 199 2000 2000 NUM issue-39 77 200 66 66 NUM issue-39 77 201 67 67 NUM issue-39 77 202 43 43 NUM issue-39 77 203 33 33 NUM issue-39 77 204 30 30 NUM issue-39 77 205 58 58 NUM issue-39 77 206 76 76 NUM issue-39 77 207 78 78 NUM issue-39 77 208 32 32 NUM issue-39 77 209 2001 2001 NUM issue-39 77 210 45 45 NUM issue-39 77 211 45 45 NUM issue-39 77 212 45 45 NUM issue-39 77 213 75 75 NUM issue-39 77 214 84 84 NUM issue-39 77 215 14 14 NUM issue-39 77 216 38 38 NUM issue-39 77 217 38 38 NUM issue-39 77 218 70 70 NUM issue-39 77 219 2002 2002 NUM issue-39 77 220 48 48 NUM issue-39 77 221 44 44 NUM issue-39 77 222 134 134 NUM issue-39 77 223 92 92 NUM issue-39 77 224 81 81 NUM issue-39 77 225 227 227 NUM issue-39 77 226 36 36 NUM issue-39 77 227 36 36 NUM issue-39 77 228 82 82 NUM issue-39 77 229 2003 2003 NUM issue-39 77 230 61 61 NUM issue-39 77 231 52 52 NUM issue-39 77 232 171 171 NUM issue-39 77 233 158 158 NUM issue-39 77 234 140 140 NUM issue-39 77 235 270 270 NUM issue-39 77 236 24 24 NUM issue-39 77 237 24 24 NUM issue-39 77 238 74 74 NUM issue-39 77 239 2004 2004 NUM issue-39 77 240 31 31 NUM issue-39 77 241 25 25 NUM issue-39 77 242 65 65 NUM issue-39 77 243 57 57 NUM issue-39 77 244 50 50 NUM issue-39 77 245 85 85 NUM issue-39 77 246 9 9 NUM issue-39 77 247 9 9 NUM issue-39 77 248 21 21 NUM issue-39 77 249 2005 2005 NUM issue-39 77 250 62 62 NUM issue-39 77 251 49 49 NUM issue-39 77 252 127 127 NUM issue-39 77 253 85 85 NUM issue-39 77 254 -15 -15 SYM issue-39 77 255 144 144 NUM issue-39 77 256 35 35 NUM issue-39 77 257 35 35 NUM issue-39 77 258 71 71 NUM issue-39 77 259 2006 2006 NUM issue-39 77 260 71 71 NUM issue-39 77 261 52 52 NUM issue-39 77 262 134 134 NUM issue-39 77 263 79 79 NUM issue-39 77 264 197 197 NUM issue-39 77 265 143 143 NUM issue-39 77 266 57 57 NUM issue-39 77 267 57 57 NUM issue-39 77 268 95 95 NUM issue-39 77 269 2007 2007 NUM issue-39 77 270 74 74 NUM issue-39 77 271 63 63 NUM issue-39 77 272 98 98 NUM issue-39 77 273 86 86 NUM issue-39 77 274 73 73 NUM issue-39 77 275 103 103 NUM issue-39 77 276 53 53 NUM issue-39 77 277 53 53 NUM issue-39 77 278 66 66 NUM issue-39 77 279 2008 2008 NUM issue-39 77 280 72 72 NUM issue-39 77 281 70 70 NUM issue-39 77 282 76 76 NUM issue-39 77 283 72 72 NUM issue-39 77 284 67 67 NUM issue-39 77 285 78 78 NUM issue-39 77 286 72 72 NUM issue-39 77 287 72 72 NUM issue-39 77 288 42 42 NUM issue-39 77 289 2009 2009 NUM issue-39 77 290 -1 -1 SYM issue-39 77 291 5 5 NUM issue-39 77 292 -12 -12 PROPN issue-39 77 293 -3 -3 SYM issue-39 77 294 1 1 NUM issue-39 77 295 -11 -11 SYM issue-39 77 296 2 2 NUM issue-39 77 297 -8 -8 NOUN issue-39 77 298 -7 -7 NOUN issue-39 77 299 2010 2010 NUM issue-39 77 300 1 1 NUM issue-39 77 301 9 9 NUM issue-39 77 302 -13 -13 SYM issue-39 77 303 0 0 NUM issue-39 77 304 16 16 NUM issue-39 77 305 -17 -17 SYM issue-39 77 306 5 5 NUM issue-39 77 307 4 4 NUM issue-39 77 308 11 11 NUM issue-39 77 309 2011 2011 NUM issue-39 77 310 6 6 NUM issue-39 77 311 10 10 NUM issue-39 77 312 -4 -4 INTJ issue-39 77 313 -1 -1 PROPN issue-39 77 314 4 4 NUM issue-39 77 315 -10 -10 SYM issue-39 77 316 20 20 NUM issue-39 77 317 17 17 NUM issue-39 77 318 41 41 NUM issue-39 77 319 2012 2012 NUM issue-39 77 320 2 2 NUM issue-39 77 321 5 5 NUM issue-39 77 322 -7 -7 NOUN issue-39 77 323 -9 -9 INTJ issue-39 77 324 -5 -5 ADJ issue-39 77 325 -18 -18 SYM issue-39 77 326 21 21 NUM issue-39 77 327 18 18 NUM issue-39 77 328 37 37 NUM issue-39 77 329 2013 2013 NUM issue-39 77 330 12 12 NUM issue-39 77 331 14 14 NUM issue-39 77 332 3 3 NUM issue-39 77 333 6 6 NUM issue-39 77 334 8 8 NUM issue-39 77 335 3 3 NUM issue-39 77 336 18 18 NUM issue-39 77 337 21 21 NUM issue-39 77 338 4 4 NUM issue-39 77 339 source source NOUN issue-39 77 340 : : PUNCT issue-39 77 341 constructed construct VERB issue-39 77 342 by by ADP issue-39 77 343 the the DET issue-39 77 344 author author NOUN issue-39 77 345 by by ADP issue-39 77 346 data datum NOUN issue-39 77 347 from from ADP issue-39 77 348 nbu nbu PROPN issue-39 77 349 and and CCONJ issue-39 77 350 state state PROPN issue-39 77 351 statistics statistic NOUN issue-39 77 352 service service NOUN issue-39 77 353 of of ADP issue-39 77 354 ukraine ukraine PROPN issue-39 77 355 0 0 NUM issue-39 77 356 10 10 NUM issue-39 77 357 20 20 NUM issue-39 77 358 30 30 NUM issue-39 77 359 40 40 NUM issue-39 77 360 50 50 NUM issue-39 77 361 60 60 NUM issue-39 77 362 70 70 NUM issue-39 77 363 80 80 NUM issue-39 77 364 90 90 NUM issue-39 77 365 2000 2000 NUM issue-39 77 366 2001 2001 NUM issue-39 77 367 2002 2002 NUM issue-39 77 368 2003 2003 NUM issue-39 77 369 2004 2004 NUM issue-39 77 370 2005 2005 NUM issue-39 77 371 2006 2006 NUM issue-39 77 372 2007 2007 NUM issue-39 77 373 2008 2008 NUM issue-39 77 374 2009 2009 NUM issue-39 77 375 2010 2010 NUM issue-39 77 376 2011 2011 NUM issue-39 77 377 2012 2012 NUM issue-39 77 378 2013 2013 NUM issue-39 77 379 % % NOUN issue-39 77 380 share share NOUN issue-39 77 381 of of ADP issue-39 77 382 loans loan NOUN issue-39 77 383 in in ADP issue-39 77 384 gdp gdp NOUN issue-39 77 385 , , PUNCT issue-39 77 386 % % INTJ issue-39 77 387 share share NOUN issue-39 77 388 of of ADP issue-39 77 389 long long ADJ issue-39 77 390 - - PUNCT issue-39 77 391 term term NOUN issue-39 77 392 loans loan NOUN issue-39 77 393 in in ADP issue-39 77 394 gdp gdp NOUN issue-39 77 395 , , PUNCT issue-39 77 396 % % INTJ issue-39 77 397 share share NOUN issue-39 77 398 of of ADP issue-39 77 399 short short ADJ issue-39 77 400 - - PUNCT issue-39 77 401 term term NOUN issue-39 77 402 loans loan NOUN issue-39 77 403 in in ADP issue-39 77 404 gdp gdp NOUN issue-39 77 405 , , PUNCT issue-39 77 406 % % INTJ issue-39 77 407 share share NOUN issue-39 77 408 of of ADP issue-39 77 409 loans loan NOUN issue-39 77 410 in in ADP issue-39 77 411 foreign foreign ADJ issue-39 77 412 currencies currency NOUN issue-39 77 413 in in ADP issue-39 77 414 gdp gdp NOUN issue-39 77 415 , , PUNCT issue-39 77 416 % % INTJ issue-39 77 417 share share NOUN issue-39 77 418 of of ADP issue-39 77 419 loans loan NOUN issue-39 77 420 in in ADP issue-39 77 421 national national ADJ issue-39 77 422 currency currency NOUN issue-39 77 423 in in ADP issue-39 77 424 gdp,% gdp,% NOUN issue-39 77 425 chart chart NOUN issue-39 78 1 3 3 X issue-39 78 2 . . PUNCT issue-39 78 3 shares share NOUN issue-39 78 4 of of ADP issue-39 78 5 loans loan NOUN issue-39 78 6 in in ADP issue-39 78 7 gdp gdp NOUN issue-39 78 8 source source NOUN issue-39 78 9 : : PUNCT issue-39 78 10 constructed construct VERB issue-39 78 11 by by ADP issue-39 78 12 the the DET issue-39 78 13 author author NOUN issue-39 78 14 by by ADP issue-39 78 15 data datum NOUN issue-39 78 16 from from ADP issue-39 78 17 nbu nbu PROPN issue-39 78 18 and and CCONJ issue-39 78 19 state state PROPN issue-39 78 20 statistics statistic NOUN issue-39 78 21 service service NOUN issue-39 78 22 of of ADP issue-39 78 23 ukraine ukraine PROPN issue-39 78 24 baltic baltic PROPN issue-39 78 25 journal journal PROPN issue-39 78 26 of of ADP issue-39 78 27 economic economic ADJ issue-39 78 28 studies study NOUN issue-39 78 29 65 65 NUM issue-39 78 30 vol vol NOUN issue-39 78 31 . . PROPN issue-39 79 1 1 1 NUM issue-39 79 2 , , PUNCT issue-39 79 3 no no INTJ issue-39 79 4 . . NOUN issue-39 79 5 2 2 NUM issue-39 79 6 , , PUNCT issue-39 79 7 2015 2015 NUM issue-39 79 8 also also ADV issue-39 79 9 , , PUNCT issue-39 79 10 it it PRON issue-39 79 11 should should AUX issue-39 79 12 be be AUX issue-39 79 13 noted note VERB issue-39 79 14 that that SCONJ issue-39 79 15 the the DET issue-39 79 16 loans loan NOUN issue-39 79 17 to to ADP issue-39 79 18 legal legal ADJ issue-39 79 19 entities entity NOUN issue-39 79 20 had have VERB issue-39 79 21 a a DET issue-39 79 22 larger large ADJ issue-39 79 23 share share NOUN issue-39 79 24 in in ADP issue-39 79 25 the the DET issue-39 79 26 total total ADJ issue-39 79 27 long long ADJ issue-39 79 28 - - PUNCT issue-39 79 29 term term NOUN issue-39 79 30 loans loan NOUN issue-39 79 31 and and CCONJ issue-39 79 32 in in ADP issue-39 79 33 the the DET issue-39 79 34 total total ADJ issue-39 79 35 short short ADJ issue-39 79 36 - - PUNCT issue-39 79 37 term term NOUN issue-39 79 38 loans loan NOUN issue-39 79 39 , , PUNCT issue-39 79 40 but but CCONJ issue-39 79 41 both both DET issue-39 79 42 shares share NOUN issue-39 79 43 fell fall VERB issue-39 79 44 down down ADP issue-39 79 45 at at ADP issue-39 79 46 the the DET issue-39 79 47 end end NOUN issue-39 79 48 the the DET issue-39 79 49 analyzed analyze VERB issue-39 79 50 period period NOUN issue-39 79 51 . . PUNCT issue-39 80 1 the the DET issue-39 80 2 indicator indicator NOUN issue-39 80 3 “ " PUNCT issue-39 80 4 rate rate NOUN issue-39 80 5 of of ADP issue-39 80 6 growth growth NOUN issue-39 80 7 in in ADP issue-39 80 8 loans loan NOUN issue-39 80 9 given give VERB issue-39 80 10 to to ADP issue-39 80 11 legal legal ADJ issue-39 80 12 entities entity NOUN issue-39 80 13 ” " PUNCT issue-39 80 14 demonstrated demonstrate VERB issue-39 80 15 insignificant insignificant ADJ issue-39 80 16 variations variation NOUN issue-39 80 17 ( ( PUNCT issue-39 80 18 10 10 NUM issue-39 80 19 % % NOUN issue-39 80 20 in in ADP issue-39 80 21 average average ADJ issue-39 80 22 ) ) PUNCT issue-39 80 23 , , PUNCT issue-39 80 24 whereas whereas SCONJ issue-39 80 25 the the DET issue-39 80 26 indicator indicator NOUN issue-39 80 27 “ " PUNCT issue-39 80 28 rate rate NOUN issue-39 80 29 of of ADP issue-39 80 30 growth growth NOUN issue-39 80 31 in in ADP issue-39 80 32 loans loan NOUN issue-39 80 33 given give VERB issue-39 80 34 to to ADP issue-39 80 35 physical physical ADJ issue-39 80 36 persons person NOUN issue-39 80 37 ” " PUNCT issue-39 80 38 featured feature VERB issue-39 80 39 strong strong ADJ issue-39 80 40 variations variation NOUN issue-39 80 41 , , PUNCT issue-39 80 42 especially especially ADV issue-39 80 43 in in ADP issue-39 80 44 2004 2004 NUM issue-39 80 45 , , PUNCT issue-39 80 46 2009 2009 NUM issue-39 80 47 and and CCONJ issue-39 80 48 2013 2013 NUM issue-39 80 49 . . PUNCT issue-39 81 1 regarding regard VERB issue-39 81 2 the the DET issue-39 81 3 rates rate NOUN issue-39 81 4 of of ADP issue-39 81 5 growth growth NOUN issue-39 81 6 in in ADP issue-39 81 7 loans loan NOUN issue-39 81 8 to to ADP issue-39 81 9 enterprises enterprise NOUN issue-39 81 10 and and CCONJ issue-39 81 11 population population NOUN issue-39 81 12 , , PUNCT issue-39 81 13 both both DET issue-39 81 14 trends trend NOUN issue-39 81 15 were be AUX issue-39 81 16 far far ADV issue-39 81 17 worse bad ADJ issue-39 81 18 than than ADP issue-39 81 19 before before ADP issue-39 81 20 the the DET issue-39 81 21 crisis crisis NOUN issue-39 81 22 . . PUNCT issue-39 82 1 also also ADV issue-39 82 2 , , PUNCT issue-39 82 3 higher high ADJ issue-39 82 4 rates rate NOUN issue-39 82 5 of of ADP issue-39 82 6 growth growth NOUN issue-39 82 7 in in ADP issue-39 82 8 loans loan NOUN issue-39 82 9 given give VERB issue-39 82 10 to to ADP issue-39 82 11 physical physical ADJ issue-39 82 12 persons person NOUN issue-39 82 13 compared compare VERB issue-39 82 14 with with ADP issue-39 82 15 ones one NOUN issue-39 82 16 to to ADP issue-39 82 17 legal legal ADJ issue-39 82 18 entities entity NOUN issue-39 82 19 , , PUNCT issue-39 82 20 except except SCONJ issue-39 82 21 in in ADP issue-39 82 22 2009–2010 2009–2010 NUM issue-39 82 23 , , PUNCT issue-39 82 24 should should AUX issue-39 82 25 be be AUX issue-39 82 26 emphasized emphasize VERB issue-39 82 27 , , PUNCT issue-39 82 28 meaning mean VERB issue-39 82 29 more more ADV issue-39 82 30 rapid rapid ADJ issue-39 82 31 growth growth NOUN issue-39 82 32 in in ADP issue-39 82 33 consumer consumer NOUN issue-39 82 34 lending lending NOUN issue-39 82 35 compared compare VERB issue-39 82 36 with with ADP issue-39 82 37 lending lending NOUN issue-39 82 38 for for ADP issue-39 82 39 real real ADJ issue-39 82 40 economy economy NOUN issue-39 82 41 purposes purpose NOUN issue-39 82 42 . . PUNCT issue-39 83 1 in in ADP issue-39 83 2 circumstances circumstance NOUN issue-39 83 3 like like ADP issue-39 83 4 this this PRON issue-39 83 5 , , PUNCT issue-39 83 6 all all DET issue-39 83 7 the the DET issue-39 83 8 external external ADJ issue-39 83 9 ( ( PUNCT issue-39 83 10 foreign foreign ADJ issue-39 83 11 ) ) PUNCT issue-39 83 12 loans loan NOUN issue-39 83 13 taken take VERB issue-39 83 14 by by ADP issue-39 83 15 ukrainian ukrainian ADJ issue-39 83 16 banks bank NOUN issue-39 83 17 are be AUX issue-39 83 18 forwarded forward VERB issue-39 83 19 to to ADP issue-39 83 20 lending lending NOUN issue-39 83 21 of of ADP issue-39 83 22 consumer consumer NOUN issue-39 83 23 expenditures expenditure NOUN issue-39 83 24 ( ( PUNCT issue-39 83 25 mainly mainly ADV issue-39 83 26 purchase purchase NOUN issue-39 83 27 of of ADP issue-39 83 28 imported import VERB issue-39 83 29 household household NOUN issue-39 83 30 appliances appliance NOUN issue-39 83 31 or or CCONJ issue-39 83 32 cars car NOUN issue-39 83 33 ) ) PUNCT issue-39 83 34 and and CCONJ issue-39 83 35 mortgage mortgage NOUN issue-39 83 36 . . PUNCT issue-39 84 1 yet yet ADV issue-39 84 2 , , PUNCT issue-39 84 3 easy easy ADJ issue-39 84 4 access access NOUN issue-39 84 5 to to ADP issue-39 84 6 mortgage mortgage NOUN issue-39 84 7 pushed push VERB issue-39 84 8 up up ADP issue-39 84 9 construction construction NOUN issue-39 84 10 sector sector NOUN issue-39 84 11 in in ADP issue-39 84 12 ukraine ukraine NOUN issue-39 84 13 , , PUNCT issue-39 84 14 on on ADP issue-39 84 15 the the DET issue-39 84 16 one one NUM issue-39 84 17 hand hand NOUN issue-39 84 18 , , PUNCT issue-39 84 19 and and CCONJ issue-39 84 20 construction construction NOUN issue-39 84 21 materials material NOUN issue-39 84 22 producers producer NOUN issue-39 84 23 in in ADP issue-39 84 24 other other ADJ issue-39 84 25 countries country NOUN issue-39 84 26 , , PUNCT issue-39 84 27 on on ADP issue-39 84 28 the the DET issue-39 84 29 other other ADJ issue-39 84 30 ( ( PUNCT issue-39 84 31 as as SCONJ issue-39 84 32 most most ADJ issue-39 84 33 part part NOUN issue-39 84 34 of of ADP issue-39 84 35 construction construction NOUN issue-39 84 36 materials material NOUN issue-39 84 37 are be AUX issue-39 84 38 imports import NOUN issue-39 84 39 ) ) PUNCT issue-39 84 40 . . PUNCT issue-39 85 1 therefore therefore ADV issue-39 85 2 , , PUNCT issue-39 85 3 through through ADP issue-39 85 4 external external ADJ issue-39 85 5 loans loan NOUN issue-39 85 6 commercial commercial ADJ issue-39 85 7 banks bank NOUN issue-39 85 8 in in ADP issue-39 85 9 ukraine ukraine PROPN issue-39 85 10 tended tend VERB issue-39 85 11 to to PART issue-39 85 12 support support VERB issue-39 85 13 foreign foreign ADJ issue-39 85 14 producers producer NOUN issue-39 85 15 . . PUNCT issue-39 86 1 however however ADV issue-39 86 2 , , PUNCT issue-39 86 3 the the DET issue-39 86 4 prevailing prevail VERB issue-39 86 5 share share NOUN issue-39 86 6 of of ADP issue-39 86 7 loans loan NOUN issue-39 86 8 to to ADP issue-39 86 9 enterprises enterprise NOUN issue-39 86 10 in in ADP issue-39 86 11 the the DET issue-39 86 12 total total ADJ issue-39 86 13 long long ADJ issue-39 86 14 - - PUNCT issue-39 86 15 term term NOUN issue-39 86 16 loans loan NOUN issue-39 86 17 may may AUX issue-39 86 18 be be AUX issue-39 86 19 regarded regard VERB issue-39 86 20 as as ADP issue-39 86 21 an an DET issue-39 86 22 evidence evidence NOUN issue-39 86 23 of of ADP issue-39 86 24 the the DET issue-39 86 25 increasing increase VERB issue-39 86 26 support support NOUN issue-39 86 27 to to ADP issue-39 86 28 investment investment NOUN issue-39 86 29 activities activity NOUN issue-39 86 30 through through ADP issue-39 86 31 lending lending NOUN issue-39 86 32 . . PUNCT issue-39 87 1 reconstruction reconstruction NOUN issue-39 87 2 and and CCONJ issue-39 87 3 modernization modernization NOUN issue-39 87 4 of of ADP issue-39 87 5 production production NOUN issue-39 87 6 facilities facility NOUN issue-39 87 7 has have AUX issue-39 87 8 been be AUX issue-39 87 9 increasingly increasingly ADV issue-39 87 10 greater great ADJ issue-39 87 11 concern concern NOUN issue-39 87 12 for for ADP issue-39 87 13 national national ADJ issue-39 87 14 producers producer NOUN issue-39 87 15 , , PUNCT issue-39 87 16 enhancing enhance VERB issue-39 87 17 in in ADP issue-39 87 18 this this DET issue-39 87 19 way way NOUN issue-39 87 20 production production NOUN issue-39 87 21 capacities capacity NOUN issue-39 87 22 of of ADP issue-39 87 23 the the DET issue-39 87 24 national national ADJ issue-39 87 25 economy economy NOUN issue-39 87 26 . . PUNCT issue-39 88 1 imbalances imbalance NOUN issue-39 88 2 of of ADP issue-39 88 3 assets asset NOUN issue-39 88 4 and and CCONJ issue-39 88 5 liabilities liability NOUN issue-39 88 6 in in ADP issue-39 88 7 the the DET issue-39 88 8 ukrainian ukrainian ADJ issue-39 88 9 banking banking NOUN issue-39 88 10 system system NOUN issue-39 88 11 are be AUX issue-39 88 12 illustrated illustrate VERB issue-39 88 13 in in ADP issue-39 88 14 charts chart NOUN issue-39 88 15 4 4 NUM issue-39 88 16 and and CCONJ issue-39 88 17 5 5 NUM issue-39 88 18 . . NOUN issue-39 88 19 0 0 NUM issue-39 88 20 100000 100000 NUM issue-39 88 21 200000 200000 NUM issue-39 88 22 300000 300000 NUM issue-39 88 23 400000 400000 NUM issue-39 88 24 500000 500000 NUM issue-39 88 25 600000 600000 NUM issue-39 88 26 700000 700000 NUM issue-39 88 27 800000 800000 NUM issue-39 88 28 900000 900000 NUM issue-39 88 29 1000000 1000000 NUM issue-39 88 30 2000 2000 NUM issue-39 88 31 2001 2001 NUM issue-39 88 32 2002 2002 NUM issue-39 88 33 2003 2003 NUM issue-39 88 34 2004 2004 NUM issue-39 88 35 2005 2005 NUM issue-39 88 36 2006 2006 NUM issue-39 88 37 2007 2007 NUM issue-39 88 38 2008 2008 NUM issue-39 88 39 2009 2009 NUM issue-39 88 40 2010 2010 NUM issue-39 88 41 2011 2011 NUM issue-39 88 42 2012 2012 NUM issue-39 88 43 2013 2013 NUM issue-39 88 44 m m PROPN issue-39 88 45 l. l. PROPN issue-39 88 46 u u PROPN issue-39 88 47 ah ah INTJ issue-39 88 48 . . PUNCT issue-39 89 1 deposits deposit NOUN issue-39 89 2 of of ADP issue-39 89 3 legal legal ADJ issue-39 89 4 entities entity NOUN issue-39 89 5 and and CCONJ issue-39 89 6 physical physical ADJ issue-39 89 7 persons person NOUN issue-39 89 8 loans loan NOUN issue-39 89 9 to to ADP issue-39 89 10 legal legal ADJ issue-39 89 11 entities entity NOUN issue-39 89 12 and and CCONJ issue-39 89 13 physical physical ADJ issue-39 89 14 persons person NOUN issue-39 89 15 chart chart VERB issue-39 89 16 4 4 NUM issue-39 89 17 . . PUNCT issue-39 90 1 deposits deposit NOUN issue-39 90 2 and and CCONJ issue-39 90 3 loans loan NOUN issue-39 90 4 , , PUNCT issue-39 90 5 by by ADP issue-39 90 6 legal legal ADJ issue-39 90 7 entity entity NOUN issue-39 90 8 and and CCONJ issue-39 90 9 physical physical ADJ issue-39 90 10 person person NOUN issue-39 90 11 source source NOUN issue-39 90 12 : : PUNCT issue-39 90 13 constructed construct VERB issue-39 90 14 by by ADP issue-39 90 15 the the DET issue-39 90 16 author author NOUN issue-39 90 17 by by ADP issue-39 90 18 data datum NOUN issue-39 90 19 from from ADP issue-39 90 20 nbu nbu PROPN issue-39 90 21 and and CCONJ issue-39 90 22 state state PROPN issue-39 90 23 statistics statistic NOUN issue-39 90 24 service service NOUN issue-39 90 25 of of ADP issue-39 90 26 ukraine ukraine ADJ issue-39 90 27 graph graph NOUN issue-39 90 28 ( ( PUNCT issue-39 90 29 chart chart NOUN issue-39 90 30 4 4 NUM issue-39 90 31 ) ) PUNCT issue-39 90 32 demonstrates demonstrate VERB issue-39 90 33 prevalence prevalence NOUN issue-39 90 34 of of ADP issue-39 90 35 loans loan NOUN issue-39 90 36 over over ADP issue-39 90 37 deposits deposit NOUN issue-39 90 38 in in ADP issue-39 90 39 2007–2013 2007–2013 NUM issue-39 90 40 , , PUNCT issue-39 90 41 in in ADP issue-39 90 42 spite spite NOUN issue-39 90 43 of of ADP issue-39 90 44 explicit explicit ADJ issue-39 90 45 signs sign NOUN issue-39 90 46 of of ADP issue-39 90 47 crisis crisis NOUN issue-39 90 48 at at ADP issue-39 90 49 the the DET issue-39 90 50 ukrainian ukrainian ADJ issue-39 90 51 financial financial ADJ issue-39 90 52 market market NOUN issue-39 90 53 , , PUNCT issue-39 90 54 which which PRON issue-39 90 55 is be AUX issue-39 90 56 an an DET issue-39 90 57 evidence evidence NOUN issue-39 90 58 of of ADP issue-39 90 59 the the DET issue-39 90 60 excessive excessive ADJ issue-39 90 61 credit credit NOUN issue-39 90 62 expansion expansion NOUN issue-39 90 63 trend trend NOUN issue-39 90 64 in in ADP issue-39 90 65 the the DET issue-39 90 66 ukrainian ukrainian ADJ issue-39 90 67 banking banking NOUN issue-39 90 68 system system NOUN issue-39 90 69 in in ADP issue-39 90 70 this this DET issue-39 90 71 period period NOUN issue-39 90 72 . . PUNCT issue-39 91 1 a a DET issue-39 91 2 reverse reverse ADJ issue-39 91 3 side side NOUN issue-39 91 4 of of ADP issue-39 91 5 this this DET issue-39 91 6 trend trend NOUN issue-39 91 7 is be AUX issue-39 91 8 the the DET issue-39 91 9 degrading degrading ADJ issue-39 91 10 quality quality NOUN issue-39 91 11 of of ADP issue-39 91 12 credit credit NOUN issue-39 91 13 portfolio portfolio NOUN issue-39 91 14 . . PUNCT issue-39 92 1 besides besides SCONJ issue-39 92 2 that that PRON issue-39 92 3 , , PUNCT issue-39 92 4 rapidly rapidly ADV issue-39 92 5 growing grow VERB issue-39 92 6 scopes scope NOUN issue-39 92 7 of of ADP issue-39 92 8 loans loan NOUN issue-39 92 9 complicate complicate VERB issue-39 92 10 monitoring monitoring NOUN issue-39 92 11 of of ADP issue-39 92 12 the the DET issue-39 92 13 credit credit NOUN issue-39 92 14 portfolio portfolio NOUN issue-39 92 15 quality quality NOUN issue-39 92 16 by by ADP issue-39 92 17 regulatory regulatory ADJ issue-39 92 18 bodies body NOUN issue-39 92 19 , , PUNCT issue-39 92 20 on on ADP issue-39 92 21 account account NOUN issue-39 92 22 of of ADP issue-39 92 23 its its PRON issue-39 92 24 too too ADV issue-39 92 25 high high ADJ issue-39 92 26 volatility volatility NOUN issue-39 92 27 . . PUNCT issue-39 93 1 it it PRON issue-39 93 2 should should AUX issue-39 93 3 be be AUX issue-39 93 4 noted note VERB issue-39 93 5 that that SCONJ issue-39 93 6 lending lending NOUN issue-39 93 7 expansion expansion NOUN issue-39 93 8 preceded precede VERB issue-39 93 9 bank bank NOUN issue-39 93 10 crises crisis NOUN issue-39 93 11 in in ADP issue-39 93 12 many many ADJ issue-39 93 13 countries country NOUN issue-39 93 14 ( ( PUNCT issue-39 93 15 japan japan PROPN issue-39 93 16 or or CCONJ issue-39 93 17 countries countries PROPN issue-39 93 18 latin latin PROPN issue-39 93 19 america america PROPN issue-39 93 20 ) ) PUNCT issue-39 93 21 in in ADP issue-39 93 22 80s 80 NOUN issue-39 93 23 and and CCONJ issue-39 93 24 in in ADP issue-39 93 25 countries country NOUN issue-39 93 26 of of ADP issue-39 93 27 south south PROPN issue-39 93 28 - - PUNCT issue-39 93 29 east east NOUN issue-39 93 30 asia asia PROPN issue-39 93 31 in in ADP issue-39 93 32 90s 90 NOUN issue-39 93 33 . . PUNCT issue-39 94 1 in in ADP issue-39 94 2 the the DET issue-39 94 3 southern southern PROPN issue-39 94 4 korea korea PROPN issue-39 94 5 , , PUNCT issue-39 94 6 on on ADP issue-39 94 7 the the DET issue-39 94 8 eve eve NOUN issue-39 94 9 of of ADP issue-39 94 10 the the DET issue-39 94 11 crisis crisis NOUN issue-39 94 12 in in ADP issue-39 94 13 1997 1997 NUM issue-39 94 14 , , PUNCT issue-39 94 15 absolute absolute ADJ issue-39 94 16 charts chart NOUN issue-39 94 17 of of ADP issue-39 94 18 problematic problematic ADJ issue-39 94 19 and and CCONJ issue-39 94 20 bad bad ADJ issue-39 94 21 debts debt NOUN issue-39 94 22 grew grow VERB issue-39 94 23 from from ADP issue-39 94 24 12.3 12.3 NUM issue-39 94 25 trillion trillion NUM issue-39 94 26 to to ADP issue-39 94 27 22.6 22.6 NUM issue-39 94 28 trillion trillion NUM issue-39 94 29 usd usd NOUN issue-39 94 30 , , PUNCT issue-39 94 31 with with ADP issue-39 94 32 their their PRON issue-39 94 33 share share NOUN issue-39 94 34 in in ADP issue-39 94 35 credit credit NOUN issue-39 94 36 portfolio portfolio NOUN issue-39 94 37 grown grow VERB issue-39 94 38 from from ADP issue-39 94 39 3.9 3.9 NUM issue-39 94 40 to to PART issue-39 94 41 6 6 NUM issue-39 94 42 % % NOUN issue-39 94 43 . . PUNCT issue-39 95 1 so so ADV issue-39 95 2 , , PUNCT issue-39 95 3 economic economic ADJ issue-39 95 4 boost boost NOUN issue-39 95 5 in in ADP issue-39 95 6 countries country NOUN issue-39 95 7 of of ADP issue-39 95 8 south south PROPN issue-39 95 9 - - PUNCT issue-39 95 10 east east PROPN issue-39 95 11 asia asia PROPN issue-39 95 12 had have AUX issue-39 95 13 hid hide VERB issue-39 95 14 for for ADP issue-39 95 15 years year NOUN issue-39 95 16 the the DET issue-39 95 17 vulnerability vulnerability NOUN issue-39 95 18 of of ADP issue-39 95 19 banking banking NOUN issue-39 95 20 system system NOUN issue-39 95 21 , , PUNCT issue-39 95 22 with with ADP issue-39 95 23 the the DET issue-39 95 24 demand demand NOUN issue-39 95 25 for for ADP issue-39 95 26 loans loan NOUN issue-39 95 27 stable stable ADJ issue-39 95 28 as as ADV issue-39 95 29 long long ADV issue-39 95 30 as as SCONJ issue-39 95 31 the the DET issue-39 95 32 economy economy NOUN issue-39 95 33 growing grow VERB issue-39 95 34 . . PUNCT issue-39 96 1 the the DET issue-39 96 2 latest late ADJ issue-39 96 3 crisis crisis NOUN issue-39 96 4 revealed reveal VERB issue-39 96 5 low low ADJ issue-39 96 6 quality quality NOUN issue-39 96 7 of of ADP issue-39 96 8 credit credit NOUN issue-39 96 9 portfolios portfolio NOUN issue-39 96 10 of of ADP issue-39 96 11 banks bank NOUN issue-39 96 12 in in ADP issue-39 96 13 many many ADJ issue-39 96 14 countries country NOUN issue-39 96 15 , , PUNCT issue-39 96 16 which which PRON issue-39 96 17 is be AUX issue-39 96 18 essentially essentially ADV issue-39 96 19 the the DET issue-39 96 20 fault fault NOUN issue-39 96 21 of of ADP issue-39 96 22 governments government NOUN issue-39 96 23 and and CCONJ issue-39 96 24 central central ADJ issue-39 96 25 banks bank NOUN issue-39 96 26 . . PUNCT issue-39 97 1 experiences experience NOUN issue-39 97 2 of of ADP issue-39 97 3 the the DET issue-39 97 4 abovementioned abovementione VERB issue-39 97 5 countries country NOUN issue-39 97 6 show show VERB issue-39 97 7 : : PUNCT issue-39 97 8 when when SCONJ issue-39 97 9 the the DET issue-39 97 10 rate rate NOUN issue-39 97 11 of of ADP issue-39 97 12 growth growth NOUN issue-39 97 13 in in ADP issue-39 97 14 loans loan NOUN issue-39 97 15 is be AUX issue-39 97 16 more more ADJ issue-39 97 17 than than ADP issue-39 97 18 twice twice ADV issue-39 97 19 higher high ADJ issue-39 97 20 than than ADP issue-39 97 21 that that PRON issue-39 97 22 of of ADP issue-39 97 23 gdp gdp NOUN issue-39 97 24 , , PUNCT issue-39 97 25 this this PRON issue-39 97 26 should should AUX issue-39 97 27 be be AUX issue-39 97 28 seen see VERB issue-39 97 29 as as ADP issue-39 97 30 a a DET issue-39 97 31 sign sign NOUN issue-39 97 32 of of ADP issue-39 97 33 potential potential ADJ issue-39 97 34 occurrence occurrence NOUN issue-39 97 35 of of ADP issue-39 97 36 banking banking NOUN issue-39 97 37 crisis crisis NOUN issue-39 97 38 ( ( PUNCT issue-39 97 39 baranovs’kyj baranovs’kyj ADP issue-39 97 40 , , PUNCT issue-39 97 41 2004 2004 NUM issue-39 97 42 ) ) PUNCT issue-39 97 43 . . PUNCT issue-39 98 1 -10 -10 PUNCT issue-39 99 1 0 0 NUM issue-39 99 2 10 10 NUM issue-39 99 3 20 20 NUM issue-39 99 4 30 30 NUM issue-39 99 5 40 40 NUM issue-39 99 6 50 50 NUM issue-39 99 7 60 60 NUM issue-39 99 8 70 70 NUM issue-39 99 9 80 80 NUM issue-39 99 10 2000 2000 NUM issue-39 99 11 2001 2001 NUM issue-39 99 12 2002 2002 NUM issue-39 99 13 2003 2003 NUM issue-39 99 14 2004 2004 NUM issue-39 99 15 2005 2005 NUM issue-39 99 16 2006 2006 NUM issue-39 99 17 2007 2007 NUM issue-39 99 18 2008 2008 NUM issue-39 99 19 2009 2009 NUM issue-39 99 20 2010 2010 NUM issue-39 99 21 2011 2011 NUM issue-39 99 22 2012 2012 NUM issue-39 99 23 2013 2013 NUM issue-39 99 24 % % NOUN issue-39 99 25 growth growth NOUN issue-39 99 26 in in ADP issue-39 99 27 loans loan NOUN issue-39 99 28 given give VERB issue-39 99 29 to to ADP issue-39 99 30 legal legal ADJ issue-39 99 31 entities entity NOUN issue-39 99 32 and and CCONJ issue-39 99 33 physical physical ADJ issue-39 99 34 persons person NOUN issue-39 99 35 growth growth NOUN issue-39 99 36 in in ADP issue-39 99 37 gdp gdp NOUN issue-39 99 38 chart chart NOUN issue-39 99 39 5 5 NUM issue-39 99 40 . . PUNCT issue-39 100 1 rates rate NOUN issue-39 100 2 of of ADP issue-39 100 3 growth growth NOUN issue-39 100 4 in in ADP issue-39 100 5 loans loan NOUN issue-39 100 6 and and CCONJ issue-39 100 7 gdp gdp NOUN issue-39 100 8 source source NOUN issue-39 100 9 : : PUNCT issue-39 100 10 constructed construct VERB issue-39 100 11 by by ADP issue-39 100 12 the the DET issue-39 100 13 author author NOUN issue-39 100 14 by by ADP issue-39 100 15 data datum NOUN issue-39 100 16 from from ADP issue-39 100 17 nbu nbu PROPN issue-39 100 18 and and CCONJ issue-39 100 19 state state PROPN issue-39 100 20 statistics statistic NOUN issue-39 100 21 service service NOUN issue-39 100 22 of of ADP issue-39 100 23 ukraine ukraine NOUN issue-39 100 24 graph graph NOUN issue-39 100 25 shown show VERB issue-39 100 26 in in ADP issue-39 100 27 chart chart NOUN issue-39 100 28 5 5 NUM issue-39 100 29 confirms confirm VERB issue-39 100 30 the the DET issue-39 100 31 above above ADJ issue-39 100 32 thesis thesis NOUN issue-39 100 33 that that SCONJ issue-39 100 34 top top ADJ issue-39 100 35 managers manager NOUN issue-39 100 36 and and CCONJ issue-39 100 37 administrations administration NOUN issue-39 100 38 in in ADP issue-39 100 39 ukrainian ukrainian ADJ issue-39 100 40 banks bank NOUN issue-39 100 41 have have AUX issue-39 100 42 drawn draw VERB issue-39 100 43 no no DET issue-39 100 44 lessons lesson NOUN issue-39 100 45 from from ADP issue-39 100 46 the the DET issue-39 100 47 crisis crisis NOUN issue-39 100 48 of of ADP issue-39 100 49 2008 2008 NUM issue-39 100 50 . . PUNCT issue-39 101 1 while while SCONJ issue-39 101 2 purification purification NOUN issue-39 101 3 of of ADP issue-39 101 4 the the DET issue-39 101 5 ukrainian ukrainian ADJ issue-39 101 6 banking banking NOUN issue-39 101 7 system system NOUN issue-39 101 8 by by ADP issue-39 101 9 the the DET issue-39 101 10 crisis crisis NOUN issue-39 101 11 of of ADP issue-39 101 12 2009–2010 2009–2010 NUM issue-39 101 13 led lead VERB issue-39 101 14 to to ADP issue-39 101 15 stabilization stabilization NOUN issue-39 101 16 and and CCONJ issue-39 101 17 healthy healthy ADJ issue-39 101 18 economic economic ADJ issue-39 101 19 development development NOUN issue-39 101 20 as as ADV issue-39 101 21 early early ADV issue-39 101 22 as as ADP issue-39 101 23 2010 2010 NUM issue-39 101 24 , , PUNCT issue-39 101 25 trends trend NOUN issue-39 101 26 of of ADP issue-39 101 27 2012 2012 NUM issue-39 101 28 and and CCONJ issue-39 101 29 2013 2013 NUM issue-39 101 30 show show VERB issue-39 101 31 that that SCONJ issue-39 101 32 non non ADJ issue-39 101 33 - - ADJ issue-39 101 34 productive productive ADJ issue-39 101 35 model model NOUN issue-39 101 36 of of ADP issue-39 101 37 banking banking NOUN issue-39 101 38 system system NOUN issue-39 101 39 was be AUX issue-39 101 40 launched launch VERB issue-39 101 41 anew anew ADV issue-39 101 42 . . PUNCT issue-39 102 1 it it PRON issue-39 102 2 should should AUX issue-39 102 3 be be AUX issue-39 102 4 mentioned mention VERB issue-39 102 5 that that SCONJ issue-39 102 6 the the DET issue-39 102 7 year year NOUN issue-39 102 8 of of ADP issue-39 102 9 2004 2004 NUM issue-39 102 10 was be AUX issue-39 102 11 rather rather ADV issue-39 102 12 difficult difficult ADJ issue-39 102 13 for for ADP issue-39 102 14 the the DET issue-39 102 15 national national ADJ issue-39 102 16 banking banking NOUN issue-39 102 17 system system NOUN issue-39 102 18 , , PUNCT issue-39 102 19 and and CCONJ issue-39 102 20 the the DET issue-39 102 21 year year NOUN issue-39 102 22 of of ADP issue-39 102 23 2008 2008 NUM issue-39 102 24 marked mark VERB issue-39 102 25 the the DET issue-39 102 26 beginning beginning NOUN issue-39 102 27 of of ADP issue-39 102 28 financial financial ADJ issue-39 102 29 crisis crisis NOUN issue-39 102 30 , , PUNCT issue-39 102 31 triggered trigger VERB issue-39 102 32 by by ADP issue-39 102 33 the the DET issue-39 102 34 shrinking shrink VERB issue-39 102 35 global global ADJ issue-39 102 36 demand demand NOUN issue-39 102 37 for for ADP issue-39 102 38 domestically domestically ADV issue-39 102 39 produced produce VERB issue-39 102 40 machinery machinery NOUN issue-39 102 41 and and CCONJ issue-39 102 42 equipment equipment NOUN issue-39 102 43 , , PUNCT issue-39 102 44 chemicals chemical NOUN issue-39 102 45 and and CCONJ issue-39 102 46 basic basic ADJ issue-39 102 47 metals metal NOUN issue-39 102 48 . . PUNCT issue-39 103 1 this this PRON issue-39 103 2 , , PUNCT issue-39 103 3 accordingly accordingly ADV issue-39 103 4 , , PUNCT issue-39 103 5 aggravated aggravate VERB issue-39 103 6 the the DET issue-39 103 7 financial financial ADJ issue-39 103 8 condition condition NOUN issue-39 103 9 of of ADP issue-39 103 10 enterprising enterprise VERB issue-39 103 11 entities entity NOUN issue-39 103 12 ( ( PUNCT issue-39 103 13 not not PART issue-39 103 14 to to PART issue-39 103 15 mention mention VERB issue-39 103 16 the the DET issue-39 103 17 default default NOUN issue-39 103 18 of of ADP issue-39 103 19 some some PRON issue-39 103 20 ) ) PUNCT issue-39 103 21 , , PUNCT issue-39 103 22 resulting result VERB issue-39 103 23 in in ADP issue-39 103 24 failure failure NOUN issue-39 103 25 of of ADP issue-39 103 26 legal legal ADJ issue-39 103 27 entities entity NOUN issue-39 103 28 and and CCONJ issue-39 103 29 physical physical ADJ issue-39 103 30 persons person NOUN issue-39 103 31 to to PART issue-39 103 32 return return VERB issue-39 103 33 bank bank NOUN issue-39 103 34 loans loan NOUN issue-39 103 35 . . PUNCT issue-39 104 1 national national ADJ issue-39 104 2 currency currency NOUN issue-39 104 3 devaluation devaluation NOUN issue-39 104 4 resulted result VERB issue-39 104 5 in in ADP issue-39 104 6 shrinking shrink VERB issue-39 104 7 capacities capacity NOUN issue-39 104 8 of of ADP issue-39 104 9 borrowers borrower NOUN issue-39 104 10 ( ( PUNCT issue-39 104 11 mainly mainly ADV issue-39 104 12 physical physical ADJ issue-39 104 13 persons person NOUN issue-39 104 14 ) ) PUNCT issue-39 104 15 to to PART issue-39 104 16 repay repay VERB issue-39 104 17 bank bank NOUN issue-39 104 18 loans loan NOUN issue-39 104 19 , , PUNCT issue-39 104 20 especially especially ADV issue-39 104 21 loans loan NOUN issue-39 104 22 in in ADP issue-39 104 23 foreign foreign ADJ issue-39 104 24 currencies currency NOUN issue-39 104 25 , , PUNCT issue-39 104 26 which which PRON issue-39 104 27 triggered trigger VERB issue-39 104 28 growth growth NOUN issue-39 104 29 in in ADP issue-39 104 30 problematic problematic ADJ issue-39 104 31 ( ( PUNCT issue-39 104 32 overdue overdue ADJ issue-39 104 33 ) ) PUNCT issue-39 104 34 loans loan NOUN issue-39 104 35 of of ADP issue-39 104 36 physical physical ADJ issue-39 104 37 persons person NOUN issue-39 104 38 . . PUNCT issue-39 105 1 this this PRON issue-39 105 2 is be AUX issue-39 105 3 a a DET issue-39 105 4 grave grave ADJ issue-39 105 5 problem problem NOUN issue-39 105 6 , , PUNCT issue-39 105 7 because because SCONJ issue-39 105 8 a a DET issue-39 105 9 limit limit NOUN issue-39 105 10 exists exist VERB issue-39 105 11 , , PUNCT issue-39 105 12 which which PRON issue-39 105 13 , , PUNCT issue-39 105 14 if if SCONJ issue-39 105 15 passed pass VERB issue-39 105 16 over over ADP issue-39 105 17 , , PUNCT issue-39 105 18 will will AUX issue-39 105 19 make make VERB issue-39 105 20 the the DET issue-39 105 21 capital capital NOUN issue-39 105 22 available available ADJ issue-39 105 23 in in ADP issue-39 105 24 ukraine ukraine PROPN issue-39 105 25 baltic baltic PROPN issue-39 105 26 journal journal PROPN issue-39 105 27 of of ADP issue-39 105 28 economic economic ADJ issue-39 105 29 studies study NOUN issue-39 105 30 66 66 NUM issue-39 105 31 vol vol NOUN issue-39 105 32 . . PROPN issue-39 106 1 1 1 NUM issue-39 106 2 , , PUNCT issue-39 106 3 no no INTJ issue-39 106 4 . . NOUN issue-39 106 5 2 2 NUM issue-39 106 6 , , PUNCT issue-39 106 7 2015 2015 NUM issue-39 106 8 incapable incapable ADJ issue-39 106 9 to to PART issue-39 106 10 cover cover VERB issue-39 106 11 losses loss NOUN issue-39 106 12 incurred incur VERB issue-39 106 13 by by ADP issue-39 106 14 bank bank NOUN issue-39 106 15 loans loan NOUN issue-39 106 16 . . PUNCT issue-39 107 1 when when SCONJ issue-39 107 2 the the DET issue-39 107 3 losses loss NOUN issue-39 107 4 exceed exceed VERB issue-39 107 5 the the DET issue-39 107 6 capital capital NOUN issue-39 107 7 , , PUNCT issue-39 107 8 this this PRON issue-39 107 9 may may AUX issue-39 107 10 cause cause VERB issue-39 107 11 bankruptcies bankruptcy NOUN issue-39 107 12 , , PUNCT issue-39 107 13 which which PRON issue-39 107 14 will will AUX issue-39 107 15 require require VERB issue-39 107 16 recapitalization recapitalization NOUN issue-39 107 17 . . PUNCT issue-39 108 1 it it PRON issue-39 108 2 is be AUX issue-39 108 3 the the DET issue-39 108 4 reason reason NOUN issue-39 108 5 why why SCONJ issue-39 108 6 banks bank NOUN issue-39 108 7 seek seek VERB issue-39 108 8 for for ADP issue-39 108 9 prolongation prolongation NOUN issue-39 108 10 of of ADP issue-39 108 11 loans loan NOUN issue-39 108 12 and and CCONJ issue-39 108 13 various various ADJ issue-39 108 14 forms form NOUN issue-39 108 15 of of ADP issue-39 108 16 credit credit NOUN issue-39 108 17 portfolio portfolio NOUN issue-39 108 18 restructuring restructuring NOUN issue-39 108 19 , , PUNCT issue-39 108 20 with with ADP issue-39 108 21 the the DET issue-39 108 22 only only ADJ issue-39 108 23 purpose purpose NOUN issue-39 108 24 to to PART issue-39 108 25 pay pay VERB issue-39 108 26 interests interest NOUN issue-39 108 27 ( ( PUNCT issue-39 108 28 depending depend VERB issue-39 108 29 on on ADP issue-39 108 30 the the DET issue-39 108 31 amount amount NOUN issue-39 108 32 of of ADP issue-39 108 33 bank bank NOUN issue-39 108 34 ’s ’s PART issue-39 108 35 capitalization capitalization NOUN issue-39 108 36 or or CCONJ issue-39 108 37 income income NOUN issue-39 108 38 ) ) PUNCT issue-39 108 39 . . PUNCT issue-39 109 1 part part NOUN issue-39 109 2 of of ADP issue-39 109 3 the the DET issue-39 109 4 banks bank NOUN issue-39 109 5 started start VERB issue-39 109 6 to to PART issue-39 109 7 sell sell VERB issue-39 109 8 their their PRON issue-39 109 9 loans loan NOUN issue-39 109 10 to to ADP issue-39 109 11 collector collector NOUN issue-39 109 12 firms firm NOUN issue-39 109 13 in in ADP issue-39 109 14 2007 2007 NUM issue-39 109 15 and and CCONJ issue-39 109 16 2008 2008 NUM issue-39 110 1 [ [ X issue-39 110 2 4 4 NUM issue-39 110 3 ] ] PUNCT issue-39 110 4 . . PUNCT issue-39 111 1 as as ADP issue-39 111 2 of of ADP issue-39 111 3 2010 2010 NUM issue-39 111 4 , , PUNCT issue-39 111 5 banks bank NOUN issue-39 111 6 transferred transfer VERB issue-39 111 7 problematic problematic ADJ issue-39 111 8 loans loan NOUN issue-39 111 9 on on ADP issue-39 111 10 2 2 NUM issue-39 111 11 to to PART issue-39 111 12 5 5 NUM issue-39 111 13 billion billion NUM issue-39 111 14 usd usd NOUN issue-39 111 15 to to ADP issue-39 111 16 collector collector NOUN issue-39 111 17 firms firm NOUN issue-39 111 18 , , PUNCT issue-39 111 19 which which PRON issue-39 111 20 were be AUX issue-39 111 21 mainly mainly ADV issue-39 111 22 consumer consumer NOUN issue-39 111 23 loans loan NOUN issue-39 111 24 . . PUNCT issue-39 112 1 to to PART issue-39 112 2 enhance enhance VERB issue-39 112 3 the the DET issue-39 112 4 quality quality NOUN issue-39 112 5 of of ADP issue-39 112 6 credit credit NOUN issue-39 112 7 portfolio portfolio NOUN issue-39 112 8 in in ADP issue-39 112 9 commercial commercial ADJ issue-39 112 10 banks bank NOUN issue-39 112 11 , , PUNCT issue-39 112 12 the the DET issue-39 112 13 nbu nbu NOUN issue-39 112 14 enforced enforce VERB issue-39 112 15 the the DET issue-39 112 16 resolution resolution NOUN issue-39 112 17 from from ADP issue-39 112 18 13.09.2010 13.09.2010 NUM issue-39 112 19 no no DET issue-39 112 20 424 424 NUM issue-39 112 21 “ " PUNCT issue-39 112 22 procedure procedure NOUN issue-39 112 23 for for ADP issue-39 112 24 formation formation NOUN issue-39 112 25 of of ADP issue-39 112 26 reserves reserve NOUN issue-39 112 27 by by ADP issue-39 112 28 banks bank NOUN issue-39 112 29 on on ADP issue-39 112 30 loans loan NOUN issue-39 112 31 and and CCONJ issue-39 112 32 interests interest NOUN issue-39 112 33 charged charge VERB issue-39 112 34 on on ADP issue-39 112 35 loans loan NOUN issue-39 112 36 , , PUNCT issue-39 112 37 and and CCONJ issue-39 112 38 writing write VERB issue-39 112 39 off off ADP issue-39 112 40 bad bad ADJ issue-39 112 41 debts debt NOUN issue-39 112 42 ” " PUNCT issue-39 112 43 . . PUNCT issue-39 113 1 nearly nearly ADV issue-39 113 2 30 30 NUM issue-39 113 3 - - ADJ issue-39 113 4 fold fold ADJ issue-39 113 5 growth growth NOUN issue-39 113 6 in in ADP issue-39 113 7 the the DET issue-39 113 8 amount amount NOUN issue-39 113 9 of of ADP issue-39 113 10 problematic problematic ADJ issue-39 113 11 ( ( PUNCT issue-39 113 12 overdue overdue ADJ issue-39 113 13 ) ) PUNCT issue-39 113 14 loans loan NOUN issue-39 113 15 in in ADP issue-39 113 16 2000–2013 2000–2013 NUM issue-39 113 17 is be AUX issue-39 113 18 an an DET issue-39 113 19 evidence evidence NOUN issue-39 113 20 of of ADP issue-39 113 21 low low ADJ issue-39 113 22 quality quality NOUN issue-39 113 23 of of ADP issue-39 113 24 bank bank NOUN issue-39 113 25 assets asset NOUN issue-39 113 26 . . PUNCT issue-39 114 1 yet yet ADV issue-39 114 2 , , PUNCT issue-39 114 3 the the DET issue-39 114 4 share share NOUN issue-39 114 5 of of ADP issue-39 114 6 overdue overdue ADJ issue-39 114 7 loans loan NOUN issue-39 114 8 in in ADP issue-39 114 9 credit credit NOUN issue-39 114 10 portfolio portfolio NOUN issue-39 114 11 has have AUX issue-39 114 12 not not PART issue-39 114 13 been be AUX issue-39 114 14 significant significant ADJ issue-39 114 15 . . PUNCT issue-39 115 1 while while SCONJ issue-39 115 2 their their PRON issue-39 115 3 lowest low ADJ issue-39 115 4 share share NOUN issue-39 115 5 was be AUX issue-39 115 6 registered register VERB issue-39 115 7 in in ADP issue-39 115 8 2008 2008 NUM issue-39 115 9 as as ADP issue-39 115 10 1.3 1.3 NUM issue-39 115 11 % % NOUN issue-39 115 12 , , PUNCT issue-39 115 13 it it PRON issue-39 115 14 grew grow VERB issue-39 115 15 up up ADP issue-39 115 16 to to ADP issue-39 115 17 9.4 9.4 NUM issue-39 115 18 % % NOUN issue-39 115 19 in in ADP issue-39 115 20 2010 2010 NUM issue-39 115 21 , , PUNCT issue-39 115 22 and and CCONJ issue-39 115 23 over over ADP issue-39 115 24 seven seven NUM issue-39 115 25 months month NOUN issue-39 115 26 of of ADP issue-39 115 27 2014 2014 NUM issue-39 115 28 it it PRON issue-39 115 29 continued continue VERB issue-39 115 30 to to PART issue-39 115 31 grow grow VERB issue-39 115 32 , , PUNCT issue-39 115 33 to to PART issue-39 115 34 reach reach VERB issue-39 115 35 10.8 10.8 NUM issue-39 115 36 % % NOUN issue-39 115 37 . . PUNCT issue-39 116 1 there there PRON issue-39 116 2 are be VERB issue-39 116 3 several several ADJ issue-39 116 4 reasons reason NOUN issue-39 116 5 behind behind ADP issue-39 116 6 this this PRON issue-39 116 7 . . PUNCT issue-39 117 1 first first ADV issue-39 117 2 , , PUNCT issue-39 117 3 devaluation devaluation NOUN issue-39 117 4 of of ADP issue-39 117 5 the the DET issue-39 117 6 ukrainian ukrainian ADJ issue-39 117 7 currency currency NOUN issue-39 117 8 ( ( PUNCT issue-39 117 9 hryvnya hryvnya NOUN issue-39 117 10 , , PUNCT issue-39 117 11 uah uah PROPN issue-39 117 12 ) ) PUNCT issue-39 117 13 led lead VERB issue-39 117 14 to to ADP issue-39 117 15 not not PART issue-39 117 16 only only ADV issue-39 117 17 nominal nominal ADJ issue-39 117 18 revaluation revaluation NOUN issue-39 117 19 of of ADP issue-39 117 20 overdue overdue ADJ issue-39 117 21 loans loan NOUN issue-39 117 22 in in ADP issue-39 117 23 foreign foreign ADJ issue-39 117 24 currencies currency NOUN issue-39 117 25 , , PUNCT issue-39 117 26 but but CCONJ issue-39 117 27 also also ADV issue-39 117 28 to to ADP issue-39 117 29 worsening worsen VERB issue-39 117 30 of of ADP issue-39 117 31 financial financial ADJ issue-39 117 32 conditions condition NOUN issue-39 117 33 of of ADP issue-39 117 34 the the DET issue-39 117 35 borrowers borrower NOUN issue-39 117 36 . . PUNCT issue-39 118 1 second second ADJ issue-39 118 2 , , PUNCT issue-39 118 3 banks bank NOUN issue-39 118 4 had have VERB issue-39 118 5 losses loss NOUN issue-39 118 6 due due ADJ issue-39 118 7 to to ADP issue-39 118 8 annexation annexation NOUN issue-39 118 9 of of ADP issue-39 118 10 crimea crimea PROPN issue-39 118 11 and and CCONJ issue-39 118 12 legal legal ADJ issue-39 118 13 prohibition prohibition NOUN issue-39 118 14 to to PART issue-39 118 15 do do VERB issue-39 118 16 business business NOUN issue-39 118 17 on on ADP issue-39 118 18 the the DET issue-39 118 19 temporarily temporarily ADV issue-39 118 20 occupied occupy VERB issue-39 118 21 territory territory NOUN issue-39 118 22 . . PUNCT issue-39 119 1 third third ADJ issue-39 119 2 , , PUNCT issue-39 119 3 military military ADJ issue-39 119 4 actions action NOUN issue-39 119 5 forced force VERB issue-39 119 6 the the DET issue-39 119 7 regulator regulator NOUN issue-39 119 8 to to PART issue-39 119 9 ban ban VERB issue-39 119 10 the the DET issue-39 119 11 conventional conventional ADJ issue-39 119 12 transactions transaction NOUN issue-39 119 13 with with ADP issue-39 119 14 the the DET issue-39 119 15 credit credit NOUN issue-39 119 16 portfolio portfolio NOUN issue-39 119 17 across across ADP issue-39 119 18 the the DET issue-39 119 19 area area NOUN issue-39 119 20 of of ADP issue-39 119 21 antiterrorist antiterrorist ADJ issue-39 119 22 operation operation NOUN issue-39 119 23 ( ( PUNCT issue-39 119 24 part part NOUN issue-39 119 25 of of ADP issue-39 119 26 donetsk donetsk NOUN issue-39 119 27 and and CCONJ issue-39 119 28 lugansk lugansk ADJ issue-39 119 29 regions region NOUN issue-39 119 30 in in ADP issue-39 119 31 the the DET issue-39 119 32 eastern eastern ADJ issue-39 119 33 ukraine ukraine NOUN issue-39 119 34 ) ) PUNCT issue-39 119 35 . . PUNCT issue-39 120 1 forth forth ADV issue-39 120 2 , , PUNCT issue-39 120 3 enforcement enforcement NOUN issue-39 120 4 of of ADP issue-39 120 5 the the DET issue-39 120 6 law law NOUN issue-39 120 7 of of ADP issue-39 120 8 ukraine ukraine NOUN issue-39 120 9 “ " PUNCT issue-39 120 10 on on ADP issue-39 120 11 moratorium moratorium NOUN issue-39 120 12 on on ADP issue-39 120 13 expropriation expropriation NOUN issue-39 120 14 of of ADP issue-39 120 15 properties property NOUN issue-39 120 16 of of ADP issue-39 120 17 ukrainian ukrainian ADJ issue-39 120 18 citizens citizen NOUN issue-39 120 19 , , PUNCT issue-39 120 20 given give VERB issue-39 120 21 as as ADP issue-39 120 22 backing backing NOUN issue-39 120 23 of of ADP issue-39 120 24 loans loan NOUN issue-39 120 25 in in ADP issue-39 120 26 foreign foreign ADJ issue-39 120 27 currencies currency NOUN issue-39 120 28 ” " PUNCT issue-39 120 29 ; ; PUNCT issue-39 120 30 the the DET issue-39 120 31 law law NOUN issue-39 120 32 had have VERB issue-39 120 33 to to PART issue-39 120 34 be be AUX issue-39 120 35 enforced enforce VERB issue-39 120 36 largely largely ADV issue-39 120 37 due due ADJ issue-39 120 38 to to ADP issue-39 120 39 economic economic ADJ issue-39 120 40 problems problem NOUN issue-39 120 41 encountered encounter VERB issue-39 120 42 by by ADP issue-39 120 43 ukraine ukraine NOUN issue-39 120 44 , , PUNCT issue-39 120 45 especially especially ADV issue-39 120 46 the the DET issue-39 120 47 high high ADJ issue-39 120 48 volatility volatility NOUN issue-39 120 49 of of ADP issue-39 120 50 the the DET issue-39 120 51 national national ADJ issue-39 120 52 currency currency NOUN issue-39 120 53 exchange exchange NOUN issue-39 120 54 rate rate NOUN issue-39 120 55 . . PUNCT issue-39 121 1 in in ADP issue-39 121 2 2013 2013 NUM issue-39 121 3 , , PUNCT issue-39 121 4 there there PRON issue-39 121 5 were be VERB issue-39 121 6 968679 968679 NUM issue-39 121 7 lawsuits lawsuit NOUN issue-39 121 8 in in ADP issue-39 121 9 courts court NOUN issue-39 121 10 of of ADP issue-39 121 11 general general ADJ issue-39 121 12 jurisdiction jurisdiction NOUN issue-39 121 13 in in ADP issue-39 121 14 the the DET issue-39 121 15 first first ADJ issue-39 121 16 instance instance NOUN issue-39 121 17 , , PUNCT issue-39 121 18 of of ADP issue-39 121 19 which which PRON issue-39 121 20 184989 184989 NUM issue-39 121 21 were be AUX issue-39 121 22 about about ADP issue-39 121 23 credit credit NOUN issue-39 121 24 disputes dispute NOUN issue-39 121 25 , , PUNCT issue-39 121 26 or or CCONJ issue-39 121 27 19 19 NUM issue-39 121 28 % % NOUN issue-39 121 29 of of ADP issue-39 121 30 the the DET issue-39 121 31 total total ADJ issue-39 121 32 number number NOUN issue-39 121 33 of of ADP issue-39 121 34 cases case NOUN issue-39 121 35 . . PUNCT issue-39 122 1 of of ADP issue-39 122 2 these these PRON issue-39 122 3 , , PUNCT issue-39 122 4 claims claim NOUN issue-39 122 5 were be AUX issue-39 122 6 met meet VERB issue-39 122 7 in in ADP issue-39 122 8 137431 137431 NUM issue-39 122 9     SPACE issue-39 122 10 cases case NOUN issue-39 122 11 , , PUNCT issue-39 122 12 or or CCONJ issue-39 122 13 in in ADP issue-39 122 14 74 74 NUM issue-39 122 15 % % NOUN issue-39 122 16 of of ADP issue-39 122 17 the the DET issue-39 122 18 total total ADJ issue-39 122 19 number number NOUN issue-39 122 20 of of ADP issue-39 122 21 lawsuits lawsuit NOUN issue-39 122 22 on on ADP issue-39 122 23 credit credit NOUN issue-39 122 24 disputes dispute NOUN issue-39 122 25 . . PUNCT issue-39 123 1 fifth fifth ADJ issue-39 123 2 , , PUNCT issue-39 123 3 weak weak ADJ issue-39 123 4 system system NOUN issue-39 123 5 for for ADP issue-39 123 6 protection protection NOUN issue-39 123 7 of of ADP issue-39 123 8 lenders lender NOUN issue-39 123 9 ’ ’ PART issue-39 123 10 rights right NOUN issue-39 123 11 , , PUNCT issue-39 123 12 significant significant ADJ issue-39 123 13 problems problem NOUN issue-39 123 14 with with ADP issue-39 123 15 sales sale NOUN issue-39 123 16 of of ADP issue-39 123 17 mortgaged mortgaged ADJ issue-39 123 18 property property NOUN issue-39 123 19 and and CCONJ issue-39 123 20 court court NOUN issue-39 123 21 proceedings proceeding NOUN issue-39 123 22 expenses expense NOUN issue-39 123 23 . . PUNCT issue-39 124 1 the the DET issue-39 124 2 outburst outburst NOUN issue-39 124 3 of of ADP issue-39 124 4 financial financial ADJ issue-39 124 5 crisis crisis NOUN issue-39 124 6 in in ADP issue-39 124 7 2008 2008 NUM issue-39 124 8 showed show VERB issue-39 124 9 failure failure NOUN issue-39 124 10 of of ADP issue-39 124 11 the the DET issue-39 124 12 banking banking NOUN issue-39 124 13 system system NOUN issue-39 124 14 to to PART issue-39 124 15 transform transform VERB issue-39 124 16 savings saving NOUN issue-39 124 17 into into ADP issue-39 124 18 investment investment NOUN issue-39 124 19 . . PUNCT issue-39 125 1 insufficiency insufficiency NOUN issue-39 125 2 of of ADP issue-39 125 3 loans loan NOUN issue-39 125 4 for for ADP issue-39 125 5 investment investment NOUN issue-39 125 6 projects project NOUN issue-39 125 7 due due ADJ issue-39 125 8 to to ADP issue-39 125 9 low low ADJ issue-39 125 10 capitalization capitalization NOUN issue-39 125 11 of of ADP issue-39 125 12 ukrainian ukrainian ADJ issue-39 125 13 banks bank NOUN issue-39 125 14 pressed press VERB issue-39 125 15 harder hard ADV issue-39 125 16 than than ADP issue-39 125 17 anything anything PRON issue-39 125 18 else else ADV issue-39 125 19 on on ADP issue-39 125 20 the the DET issue-39 125 21 competitiveness competitiveness NOUN issue-39 125 22 of of ADP issue-39 125 23 the the DET issue-39 125 24 ukrainian ukrainian ADJ issue-39 125 25 economy economy NOUN issue-39 125 26 . . PUNCT issue-39 126 1 given give VERB issue-39 126 2 considerable considerable ADJ issue-39 126 3 wear wear NOUN issue-39 126 4 of of ADP issue-39 126 5 fixed fix VERB issue-39 126 6 assets asset NOUN issue-39 126 7 across across ADP issue-39 126 8 the the DET issue-39 126 9 economy economy NOUN issue-39 126 10 , , PUNCT issue-39 126 11 no no DET issue-39 126 12 visible visible ADJ issue-39 126 13 change change NOUN issue-39 126 14 in in ADP issue-39 126 15 resource resource NOUN issue-39 126 16 and and CCONJ issue-39 126 17 energy energy NOUN issue-39 126 18 saving saving NOUN issue-39 126 19 in in ADP issue-39 126 20 production production NOUN issue-39 126 21 sector sector NOUN issue-39 126 22 can can AUX issue-39 126 23 be be AUX issue-39 126 24 expected expect VERB issue-39 126 25 , , PUNCT issue-39 126 26 which which PRON issue-39 126 27 will will AUX issue-39 126 28 further far ADV issue-39 126 29 decline decline VERB issue-39 126 30 the the DET issue-39 126 31 global global ADJ issue-39 126 32 competitiveness competitiveness NOUN issue-39 126 33 of of ADP issue-39 126 34 the the DET issue-39 126 35 ukrainian ukrainian ADJ issue-39 126 36 economy economy NOUN issue-39 126 37 . . PUNCT issue-39 127 1 however however ADV issue-39 127 2 , , PUNCT issue-39 127 3 the the DET issue-39 127 4 situation situation NOUN issue-39 127 5 can can AUX issue-39 127 6 improve improve VERB issue-39 127 7 if if SCONJ issue-39 127 8 production production NOUN issue-39 127 9 enterprises enterprise NOUN issue-39 127 10 seek seek VERB issue-39 127 11 for for ADP issue-39 127 12 more more ADV issue-39 127 13 efficient efficient ADJ issue-39 127 14 use use NOUN issue-39 127 15 of of ADP issue-39 127 16 lending lend VERB issue-39 127 17 market market NOUN issue-39 127 18 tools tool NOUN issue-39 127 19 . . PUNCT issue-39 128 1 a a DET issue-39 128 2 large large ADJ issue-39 128 3 problem problem NOUN issue-39 128 4 for for ADP issue-39 128 5 domestic domestic ADJ issue-39 128 6 banks bank NOUN issue-39 128 7 is be AUX issue-39 128 8 that that SCONJ issue-39 128 9 two two NUM issue-39 128 10 thirds third NOUN issue-39 128 11 of of ADP issue-39 128 12 the the DET issue-39 128 13 loans loan NOUN issue-39 128 14 given give VERB issue-39 128 15 to to ADP issue-39 128 16 physical physical ADJ issue-39 128 17 persons person NOUN issue-39 128 18 are be AUX issue-39 128 19 loans loan NOUN issue-39 128 20 in in ADP issue-39 128 21 foreign foreign ADJ issue-39 128 22 currencies currency NOUN issue-39 128 23 , , PUNCT issue-39 128 24 with with ADP issue-39 128 25 70 70 NUM issue-39 128 26 % % NOUN issue-39 128 27 of of ADP issue-39 128 28 currency currency NOUN issue-39 128 29 loans loan NOUN issue-39 128 30 given give VERB issue-39 128 31 by by ADP issue-39 128 32 the the DET issue-39 128 33 largest large ADJ issue-39 128 34 ukrainian ukrainian ADJ issue-39 128 35 banks bank NOUN issue-39 128 36 . . PUNCT issue-39 129 1 commercial commercial ADJ issue-39 129 2 banks bank NOUN issue-39 129 3 did do AUX issue-39 129 4 not not PART issue-39 129 5 care care VERB issue-39 129 6 that that SCONJ issue-39 129 7 most most ADJ issue-39 129 8 part part NOUN issue-39 129 9 of of ADP issue-39 129 10 borrowers borrower NOUN issue-39 129 11 did do AUX issue-39 129 12 not not PART issue-39 129 13 earn earn VERB issue-39 129 14 income income NOUN issue-39 129 15 in in ADP issue-39 129 16 foreign foreign ADJ issue-39 129 17 currencies currency NOUN issue-39 129 18 and and CCONJ issue-39 129 19 that that SCONJ issue-39 129 20 if if SCONJ issue-39 129 21 devaluation devaluation NOUN issue-39 129 22 would would AUX issue-39 129 23 occur occur VERB issue-39 129 24 repayment repayment NOUN issue-39 129 25 of of ADP issue-39 129 26 interest interest NOUN issue-39 129 27 and and CCONJ issue-39 129 28 return return NOUN issue-39 129 29 of of ADP issue-39 129 30 loans loan NOUN issue-39 129 31 would would AUX issue-39 129 32 be be AUX issue-39 129 33 problematic problematic ADJ issue-39 129 34 , , PUNCT issue-39 129 35 which which PRON issue-39 129 36 would would AUX issue-39 129 37 have have VERB issue-39 129 38 negative negative ADJ issue-39 129 39 effects effect NOUN issue-39 129 40 for for ADP issue-39 129 41 the the DET issue-39 129 42 banking banking NOUN issue-39 129 43 system system NOUN issue-39 129 44 . . PUNCT issue-39 130 1 borrowers borrower NOUN issue-39 130 2 are be AUX issue-39 130 3 not not PART issue-39 130 4 always always ADV issue-39 130 5 capable capable ADJ issue-39 130 6 to to PART issue-39 130 7 have have VERB issue-39 130 8 a a DET issue-39 130 9 good good ADJ issue-39 130 10 sense sense NOUN issue-39 130 11 or or CCONJ issue-39 130 12 awareness awareness NOUN issue-39 130 13 of of ADP issue-39 130 14 the the DET issue-39 130 15 effects effect NOUN issue-39 130 16 of of ADP issue-39 130 17 inflation inflation NOUN issue-39 130 18 , , PUNCT issue-39 130 19 currency currency NOUN issue-39 130 20 fluctuations fluctuation NOUN issue-39 130 21 , , PUNCT issue-39 130 22 price price NOUN issue-39 130 23 growth growth NOUN issue-39 130 24 , , PUNCT issue-39 130 25 reduced reduce VERB issue-39 130 26 or or CCONJ issue-39 130 27 lost lose VERB issue-39 130 28 earnings earning NOUN issue-39 130 29 . . PUNCT issue-39 131 1 unfortunately unfortunately ADV issue-39 131 2 , , PUNCT issue-39 131 3 there there PRON issue-39 131 4 have have AUX issue-39 131 5 been be AUX issue-39 131 6 no no DET issue-39 131 7 mechanisms mechanism NOUN issue-39 131 8 in in ADP issue-39 131 9 ukraine ukraine NOUN issue-39 131 10 to to PART issue-39 131 11 prevent prevent VERB issue-39 131 12 ( ( PUNCT issue-39 131 13 i i NOUN issue-39 131 14 ) ) PUNCT issue-39 131 15 excessive excessive ADJ issue-39 131 16 lending lending NOUN issue-39 131 17 at at ADP issue-39 131 18 the the DET issue-39 131 19 global global ADJ issue-39 131 20 market market NOUN issue-39 131 21 by by ADP issue-39 131 22 the the DET issue-39 131 23 domestic domestic ADJ issue-39 131 24 corporate corporate ADJ issue-39 131 25 sector sector NOUN issue-39 131 26 , , PUNCT issue-39 131 27 and and CCONJ issue-39 131 28 ( ( PUNCT issue-39 131 29 ii ii NOUN issue-39 131 30 ) ) PUNCT issue-39 131 31 lending lending NOUN issue-39 131 32 in in ADP issue-39 131 33 foreign foreign ADJ issue-39 131 34 currencies currency NOUN issue-39 131 35 at at ADP issue-39 131 36 the the DET issue-39 131 37 domestic domestic ADJ issue-39 131 38 market market NOUN issue-39 131 39 . . PUNCT issue-39 132 1 in in ADP issue-39 132 2 2006 2006 NUM issue-39 132 3 , , PUNCT issue-39 132 4 the the DET issue-39 132 5 nbu nbu NOUN issue-39 132 6 made make VERB issue-39 132 7 the the DET issue-39 132 8 initial initial ADJ issue-39 132 9 steps step NOUN issue-39 132 10 to to PART issue-39 132 11 prevent prevent VERB issue-39 132 12 a a DET issue-39 132 13 growth growth NOUN issue-39 132 14 in in ADP issue-39 132 15 the the DET issue-39 132 16 deposits deposit NOUN issue-39 132 17 in in ADP issue-39 132 18 usd usd NOUN issue-39 132 19 by by ADP issue-39 132 20 increasing increase VERB issue-39 132 21 two two NUM issue-39 132 22 - - PUNCT issue-39 132 23 fold fold VERB issue-39 132 24 the the DET issue-39 132 25 target target NOUN issue-39 132 26 for for ADP issue-39 132 27 obligatory obligatory ADJ issue-39 132 28 reserves reserve NOUN issue-39 132 29 on on ADP issue-39 132 30 deposits deposit NOUN issue-39 132 31 in in ADP issue-39 132 32 foreign foreign ADJ issue-39 132 33 currencies currency NOUN issue-39 132 34 . . PUNCT issue-39 133 1 in in ADP issue-39 133 2 fact fact NOUN issue-39 133 3 , , PUNCT issue-39 133 4 it it PRON issue-39 133 5 was be AUX issue-39 133 6 one one NUM issue-39 133 7 of of ADP issue-39 133 8 a a DET issue-39 133 9 few few ADJ issue-39 133 10 successful successful ADJ issue-39 133 11 measures measure NOUN issue-39 133 12 to to PART issue-39 133 13 recover recover VERB issue-39 133 14 the the DET issue-39 133 15 ukrainian ukrainian ADJ issue-39 133 16 banking banking NOUN issue-39 133 17 system system NOUN issue-39 133 18 ( ( PUNCT issue-39 133 19 see see VERB issue-39 133 20 chart chart NOUN issue-39 133 21 6 6 NUM issue-39 133 22 ) ) PUNCT issue-39 133 23 . . PUNCT issue-39 134 1 54 54 NUM issue-39 134 2 56 56 NUM issue-39 134 3 58 58 NUM issue-39 134 4 58 58 NUM issue-39 134 5 58 58 NUM issue-39 134 6 57 57 NUM issue-39 134 7 50 50 NUM issue-39 134 8 50 50 NUM issue-39 134 9 41 41 NUM issue-39 134 10 49 49 NUM issue-39 134 11 53 53 NUM issue-39 134 12 62 62 NUM issue-39 134 13 65 65 NUM issue-39 134 14 68 68 NUM issue-39 134 15 46 46 NUM issue-39 134 16 44 44 NUM issue-39 134 17 42 42 NUM issue-39 134 18 42 42 NUM issue-39 134 19 42 42 NUM issue-39 134 20 43 43 NUM issue-39 134 21 50 50 NUM issue-39 134 22 50 50 NUM issue-39 134 23 59 59 NUM issue-39 134 24 51 51 NUM issue-39 134 25 47 47 NUM issue-39 134 26 38 38 NUM issue-39 134 27 35 35 NUM issue-39 134 28 32 32 NUM issue-39 134 29 0 0 NUM issue-39 134 30 20 20 NUM issue-39 134 31 40 40 NUM issue-39 134 32 60 60 NUM issue-39 134 33 80 80 NUM issue-39 134 34 100 100 NUM issue-39 134 35 2000 2000 NUM issue-39 134 36 2001 2001 NUM issue-39 134 37 2002 2002 NUM issue-39 134 38 2003 2003 NUM issue-39 134 39 2004 2004 NUM issue-39 134 40 2005 2005 NUM issue-39 134 41 2006 2006 NUM issue-39 134 42 2007 2007 NUM issue-39 134 43 2008 2008 NUM issue-39 134 44 2009 2009 NUM issue-39 134 45 2010 2010 NUM issue-39 134 46 2011 2011 NUM issue-39 134 47 2012 2012 NUM issue-39 134 48 2013 2013 NUM issue-39 134 49 % % NOUN issue-39 134 50 loans loan NOUN issue-39 134 51 in in ADP issue-39 134 52 foreign foreign ADJ issue-39 134 53 currencies currency NOUN issue-39 134 54 loans loan NOUN issue-39 134 55 in in ADP issue-39 134 56 national national ADJ issue-39 134 57 currency currency NOUN issue-39 134 58 chart chart NOUN issue-39 134 59 6 6 NUM issue-39 134 60 . . PUNCT issue-39 134 61 measures measure NOUN issue-39 134 62 of of ADP issue-39 134 63 amounts amount NOUN issue-39 134 64 of of ADP issue-39 134 65 loans loan NOUN issue-39 134 66 in in ADP issue-39 134 67 foreign foreign ADJ issue-39 134 68 currencies currency NOUN issue-39 134 69 by by ADP issue-39 134 70 the the DET issue-39 134 71 imf imf PROPN issue-39 134 72 classification classification NOUN issue-39 134 73 , , PUNCT issue-39 134 74 the the DET issue-39 134 75 level level NOUN issue-39 134 76 of of ADP issue-39 134 77 dollarization dollarization NOUN issue-39 134 78 in in ADP issue-39 134 79 a a DET issue-39 134 80 country country NOUN issue-39 134 81 can can AUX issue-39 134 82 be be AUX issue-39 134 83 regarded regard VERB issue-39 134 84 as as ADP issue-39 134 85 reasonable reasonable ADJ issue-39 134 86 if if SCONJ issue-39 134 87 it it PRON issue-39 134 88 amounts amount VERB issue-39 134 89 to to ADP issue-39 134 90 less less ADJ issue-39 134 91 than than ADP issue-39 134 92 30 30 NUM issue-39 134 93 % % NOUN issue-39 134 94 . . PUNCT issue-39 135 1 ukraine ukraine PROPN issue-39 135 2 , , PUNCT issue-39 135 3 therefore therefore ADV issue-39 135 4 , , PUNCT issue-39 135 5 has have AUX issue-39 135 6 fallen fall VERB issue-39 135 7 under under ADP issue-39 135 8 the the DET issue-39 135 9 category category NOUN issue-39 135 10 of of ADP issue-39 135 11 countries country NOUN issue-39 135 12 with with ADP issue-39 135 13 high high ADJ issue-39 135 14 dollarization dollarization NOUN issue-39 135 15 level level NOUN issue-39 135 16 . . PUNCT issue-39 136 1 it it PRON issue-39 136 2 is be AUX issue-39 136 3 a a DET issue-39 136 4 very very ADV issue-39 136 5 negative negative ADJ issue-39 136 6 tendency tendency NOUN issue-39 136 7 , , PUNCT issue-39 136 8 as as SCONJ issue-39 136 9 a a DET issue-39 136 10 foreign foreign ADJ issue-39 136 11 currency currency NOUN issue-39 136 12 ( ( PUNCT issue-39 136 13 usd usd NOUN issue-39 136 14 or or CCONJ issue-39 136 15 euro euro NOUN issue-39 136 16 ) ) PUNCT issue-39 136 17 has have AUX issue-39 136 18 become become VERB issue-39 136 19 a a DET issue-39 136 20 means means NOUN issue-39 136 21 of of ADP issue-39 136 22 circulation circulation NOUN issue-39 136 23 , , PUNCT issue-39 136 24 payment payment NOUN issue-39 136 25 and and CCONJ issue-39 136 26 savings saving NOUN issue-39 136 27 along along ADP issue-39 136 28 with with ADP issue-39 136 29 the the DET issue-39 136 30 domestic domestic ADJ issue-39 136 31 currency currency NOUN issue-39 136 32 . . PUNCT issue-39 137 1 in in ADP issue-39 137 2 view view NOUN issue-39 137 3 of of ADP issue-39 137 4 this this PRON issue-39 137 5 , , PUNCT issue-39 137 6 dual dual ADJ issue-39 137 7 - - PUNCT issue-39 137 8 currency currency NOUN issue-39 137 9 system system NOUN issue-39 137 10 is be AUX issue-39 137 11 a a DET issue-39 137 12 problem problem NOUN issue-39 137 13 to to ADP issue-39 137 14 the the DET issue-39 137 15 nbu nbu NOUN issue-39 137 16 ; ; PUNCT issue-39 137 17 if if SCONJ issue-39 137 18 it it PRON issue-39 137 19 is be AUX issue-39 137 20 not not PART issue-39 137 21 dealt deal VERB issue-39 137 22 with with ADP issue-39 137 23 , , PUNCT issue-39 137 24 an an DET issue-39 137 25 effective effective ADJ issue-39 137 26 monetary monetary ADJ issue-39 137 27 policy policy NOUN issue-39 137 28 will will AUX issue-39 137 29 be be AUX issue-39 137 30 impossible impossible ADJ issue-39 137 31 . . PUNCT issue-39 138 1 a a DET issue-39 138 2 large large ADJ issue-39 138 3 share share NOUN issue-39 138 4 of of ADP issue-39 138 5 loans loan NOUN issue-39 138 6 in in ADP issue-39 138 7 foreign foreign ADJ issue-39 138 8 currencies currency NOUN issue-39 138 9 , , PUNCT issue-39 138 10 sometimes sometimes ADV issue-39 138 11 even even ADV issue-39 138 12 a a DET issue-39 138 13 larger large ADJ issue-39 138 14 one one NOUN issue-39 138 15 than than ADP issue-39 138 16 in in ADP issue-39 138 17 the the DET issue-39 138 18 national national ADJ issue-39 138 19 currency currency NOUN issue-39 138 20 ( ( PUNCT issue-39 138 21 as as SCONJ issue-39 138 22 was be AUX issue-39 138 23 in in ADP issue-39 138 24 2008 2008 NUM issue-39 138 25 and and CCONJ issue-39 138 26 2009 2009 NUM issue-39 138 27 , , PUNCT issue-39 138 28 see see VERB issue-39 138 29 chart chart NOUN issue-39 138 30 5 5 NUM issue-39 138 31 ) ) PUNCT issue-39 138 32 caused cause VERB issue-39 138 33 heavy heavy ADJ issue-39 138 34 pressures pressure NOUN issue-39 138 35 on on ADP issue-39 138 36 the the DET issue-39 138 37 national national ADJ issue-39 138 38 currency currency NOUN issue-39 138 39 exchange exchange NOUN issue-39 138 40 rate rate NOUN issue-39 138 41 . . PUNCT issue-39 139 1 the the DET issue-39 139 2 existence existence NOUN issue-39 139 3 of of ADP issue-39 139 4 a a DET issue-39 139 5 large large ADJ issue-39 139 6 share share NOUN issue-39 139 7 of of ADP issue-39 139 8 loans loan NOUN issue-39 139 9 in in ADP issue-39 139 10 foreign foreign ADJ issue-39 139 11 currencies currency NOUN issue-39 139 12 sustains sustain VERB issue-39 139 13 a a DET issue-39 139 14 large large ADJ issue-39 139 15 demand demand NOUN issue-39 139 16 for for ADP issue-39 139 17 it it PRON issue-39 139 18 at at ADP issue-39 139 19 the the DET issue-39 139 20 internal internal ADJ issue-39 139 21 interbank interbank NOUN issue-39 139 22 market market NOUN issue-39 139 23 . . PUNCT issue-39 140 1 shrinking shrink VERB issue-39 140 2 returns return NOUN issue-39 140 3 from from ADP issue-39 140 4 exports export NOUN issue-39 140 5 cause cause VERB issue-39 140 6 currency currency NOUN issue-39 140 7 deficit deficit NOUN issue-39 140 8 , , PUNCT issue-39 140 9 which which PRON issue-39 140 10 triggers trigger VERB issue-39 140 11 devaluation devaluation NOUN issue-39 140 12 of of ADP issue-39 140 13 the the DET issue-39 140 14 ukrainian ukrainian ADJ issue-39 140 15 hryvnya hryvnya PROPN issue-39 140 16 . . PUNCT issue-39 141 1 the the DET issue-39 141 2 situation situation NOUN issue-39 141 3 is be AUX issue-39 141 4 aggravated aggravate VERB issue-39 141 5 by by ADP issue-39 141 6 the the DET issue-39 141 7 demand demand NOUN issue-39 141 8 for for ADP issue-39 141 9 foreign foreign ADJ issue-39 141 10 currencies currency NOUN issue-39 141 11 from from ADP issue-39 141 12 commercial commercial ADJ issue-39 141 13 banks bank NOUN issue-39 141 14 that that PRON issue-39 141 15 need need VERB issue-39 141 16 to to PART issue-39 141 17 repay repay VERB issue-39 141 18 foreign foreign ADJ issue-39 141 19 debts debt NOUN issue-39 141 20 , , PUNCT issue-39 141 21 and and CCONJ issue-39 141 22 by by ADP issue-39 141 23 other other ADJ issue-39 141 24 tendencies tendency NOUN issue-39 141 25 referred refer VERB issue-39 141 26 to to ADP issue-39 141 27 above above ADV issue-39 141 28 . . PUNCT issue-39 142 1 baltic baltic PROPN issue-39 142 2 journal journal PROPN issue-39 142 3 of of ADP issue-39 142 4 economic economic ADJ issue-39 142 5 studies study NOUN issue-39 142 6 67 67 NUM issue-39 142 7 vol vol NOUN issue-39 142 8 . . PROPN issue-39 143 1 1 1 NUM issue-39 143 2 , , PUNCT issue-39 143 3 no no INTJ issue-39 143 4 . . NOUN issue-39 143 5 2 2 NUM issue-39 143 6 , , PUNCT issue-39 143 7 2015 2015 NUM issue-39 143 8 lending lending NOUN issue-39 143 9 used use VERB issue-39 143 10 to to PART issue-39 143 11 provide provide VERB issue-39 143 12 for for ADP issue-39 143 13 a a DET issue-39 143 14 major major ADJ issue-39 143 15 share share NOUN issue-39 143 16 of of ADP issue-39 143 17 income income NOUN issue-39 143 18 to to ADP issue-39 143 19 ukrainian ukrainian ADJ issue-39 143 20 commercial commercial ADJ issue-39 143 21 banks bank NOUN issue-39 143 22 prior prior ADV issue-39 143 23 to to ADP issue-39 143 24 the the DET issue-39 143 25 financial financial ADJ issue-39 143 26 crisis crisis NOUN issue-39 143 27 . . PUNCT issue-39 144 1 once once SCONJ issue-39 144 2 the the DET issue-39 144 3 lending lending NOUN issue-39 144 4 shrank shrink VERB issue-39 144 5 , , PUNCT issue-39 144 6 the the DET issue-39 144 7 banks bank NOUN issue-39 144 8 had have VERB issue-39 144 9 to to PART issue-39 144 10 re re VERB issue-39 144 11 - - VERB issue-39 144 12 orient orient ADJ issue-39 144 13 on on ADP issue-39 144 14 the the DET issue-39 144 15 currency currency NOUN issue-39 144 16 market market NOUN issue-39 144 17 where where SCONJ issue-39 144 18 the the DET issue-39 144 19 transactions transaction NOUN issue-39 144 20 with with ADP issue-39 144 21 currency currency NOUN issue-39 144 22 purchase purchase NOUN issue-39 144 23 and and CCONJ issue-39 144 24 sale sale NOUN issue-39 144 25 became become VERB issue-39 144 26 very very ADV issue-39 144 27 profitable profitable ADJ issue-39 144 28 . . PUNCT issue-39 145 1 also also ADV issue-39 145 2 , , PUNCT issue-39 145 3 in in ADP issue-39 145 4 october october PROPN issue-39 145 5 – – PUNCT issue-39 145 6 november november PROPN issue-39 145 7 2008 2008 NUM issue-39 145 8 , , PUNCT issue-39 145 9 the the DET issue-39 145 10 nbu nbu NOUN issue-39 145 11 carried carry VERB issue-39 145 12 out out ADP issue-39 145 13 refinancing refinance VERB issue-39 145 14 of of ADP issue-39 145 15 the the DET issue-39 145 16 banking banking NOUN issue-39 145 17 system system NOUN issue-39 145 18 , , PUNCT issue-39 145 19 to to PART issue-39 145 20 rescue rescue VERB issue-39 145 21 it it PRON issue-39 145 22 from from ADP issue-39 145 23 the the DET issue-39 145 24 liquidity liquidity NOUN issue-39 145 25 deficit deficit NOUN issue-39 145 26 . . PUNCT issue-39 146 1 the the DET issue-39 146 2 banks bank NOUN issue-39 146 3 received receive VERB issue-39 146 4 74 74 NUM issue-39 146 5 703.3 703.3 NUM issue-39 146 6 million million NUM issue-39 146 7 uah uah NOUN issue-39 146 8 in in ADP issue-39 146 9 this this DET issue-39 146 10 period period NOUN issue-39 146 11 . . PUNCT issue-39 147 1 because because SCONJ issue-39 147 2 the the DET issue-39 147 3 control control NOUN issue-39 147 4 over over ADP issue-39 147 5 use use NOUN issue-39 147 6 of of ADP issue-39 147 7 this this DET issue-39 147 8 money money NOUN issue-39 147 9 is be AUX issue-39 147 10 not not PART issue-39 147 11 perfect perfect ADJ issue-39 147 12 , , PUNCT issue-39 147 13 experts expert NOUN issue-39 147 14 say say VERB issue-39 147 15 that that SCONJ issue-39 147 16 a a DET issue-39 147 17 large large ADJ issue-39 147 18 share share NOUN issue-39 147 19 of of ADP issue-39 147 20 this this DET issue-39 147 21 money money NOUN issue-39 147 22 was be AUX issue-39 147 23 forwarded forward VERB issue-39 147 24 to to ADP issue-39 147 25 the the DET issue-39 147 26 currency currency NOUN issue-39 147 27 market market NOUN issue-39 147 28 , , PUNCT issue-39 147 29 which which PRON issue-39 147 30 opened open VERB issue-39 147 31 wider wide ADJ issue-39 147 32 currency currency NOUN issue-39 147 33 speculation speculation NOUN issue-39 147 34 opportunities opportunity NOUN issue-39 147 35 for for ADP issue-39 147 36 banks bank NOUN issue-39 147 37 ( ( PUNCT issue-39 147 38 sale sale NOUN issue-39 147 39 of of ADP issue-39 147 40 bad bad ADJ issue-39 147 41 loans loan NOUN issue-39 147 42 by by ADP issue-39 147 43 banks bank NOUN issue-39 147 44 , , PUNCT issue-39 147 45 key key ADJ issue-39 147 46 points point NOUN issue-39 147 47 ) ) PUNCT issue-39 147 48 . . PUNCT issue-39 148 1 it it PRON issue-39 148 2 is be AUX issue-39 148 3 paradoxical paradoxical ADJ issue-39 148 4 that that SCONJ issue-39 148 5 , , PUNCT issue-39 148 6 on on ADP issue-39 148 7 the the DET issue-39 148 8 one one NUM issue-39 148 9 hand hand NOUN issue-39 148 10 , , PUNCT issue-39 148 11 banks bank NOUN issue-39 148 12 carry carry VERB issue-39 148 13 out out ADP issue-39 148 14 speculative speculative ADJ issue-39 148 15 transactions transaction NOUN issue-39 148 16 and and CCONJ issue-39 148 17 have have VERB issue-39 148 18 extra extra ADJ issue-39 148 19 profits profit NOUN issue-39 148 20 ; ; PUNCT issue-39 148 21 on on ADP issue-39 148 22 the the DET issue-39 148 23 other other ADJ issue-39 148 24 hand hand NOUN issue-39 148 25 , , PUNCT issue-39 148 26 their their PRON issue-39 148 27 actions action NOUN issue-39 148 28 cause cause VERB issue-39 148 29 devaluation devaluation NOUN issue-39 148 30 of of ADP issue-39 148 31 their their PRON issue-39 148 32 capital capital NOUN issue-39 148 33 due due ADP issue-39 148 34 to to ADP issue-39 148 35 rapidly rapidly ADV issue-39 148 36 falling fall VERB issue-39 148 37 exchange exchange NOUN issue-39 148 38 rate rate NOUN issue-39 148 39 of of ADP issue-39 148 40 ukrainian ukrainian ADJ issue-39 148 41 hryvnya hryvnya NOUN issue-39 148 42 . . PUNCT issue-39 149 1 hence hence ADV issue-39 149 2 , , PUNCT issue-39 149 3 restructuring restructuring NOUN issue-39 149 4 of of ADP issue-39 149 5 credit credit NOUN issue-39 149 6 investment investment NOUN issue-39 149 7 in in ADP issue-39 149 8 the the DET issue-39 149 9 national national ADJ issue-39 149 10 economy economy NOUN issue-39 149 11 in in ADP issue-39 149 12 favor favor NOUN issue-39 149 13 of of ADP issue-39 149 14 loans loan NOUN issue-39 149 15 in in ADP issue-39 149 16 foreign foreign ADJ issue-39 149 17 currencies currency NOUN issue-39 149 18 was be AUX issue-39 149 19 due due ADJ issue-39 149 20 to to ADP issue-39 149 21 the the DET issue-39 149 22 following following ADJ issue-39 149 23 reasons reason NOUN issue-39 149 24 : : PUNCT issue-39 149 25 ( ( PUNCT issue-39 149 26 i i NOUN issue-39 149 27 ) ) PUNCT issue-39 149 28 lower low ADJ issue-39 149 29 level level NOUN issue-39 149 30 of of ADP issue-39 149 31 interest interest NOUN issue-39 149 32 rates rate NOUN issue-39 149 33 on on ADP issue-39 149 34 loans loan NOUN issue-39 149 35 in in ADP issue-39 149 36 foreign foreign ADJ issue-39 149 37 currencies currency NOUN issue-39 149 38 compared compare VERB issue-39 149 39 with with ADP issue-39 149 40 ones one NOUN issue-39 149 41 in in ADP issue-39 149 42 national national ADJ issue-39 149 43 currency currency NOUN issue-39 149 44 , , PUNCT issue-39 149 45 with with ADP issue-39 149 46 the the DET issue-39 149 47 stability stability NOUN issue-39 149 48 of of ADP issue-39 149 49 the the DET issue-39 149 50 national national ADJ issue-39 149 51 currency currency NOUN issue-39 149 52 exchange exchange NOUN issue-39 149 53 rate rate NOUN issue-39 149 54 to to ADP issue-39 149 55 usd usd NOUN issue-39 149 56 ; ; PUNCT issue-39 149 57 ( ( PUNCT issue-39 149 58 ii ii NOUN issue-39 149 59 ) ) PUNCT issue-39 149 60 the the DET issue-39 149 61 accelerating accelerate VERB issue-39 149 62 growth growth NOUN issue-39 149 63 in in ADP issue-39 149 64 deposits deposit NOUN issue-39 149 65 in in ADP issue-39 149 66 foreign foreign ADJ issue-39 149 67 currencies currency NOUN issue-39 149 68 at at ADP issue-39 149 69 the the DET issue-39 149 70 domestic domestic ADJ issue-39 149 71 market market NOUN issue-39 149 72 and and CCONJ issue-39 149 73 vigorous vigorous ADJ issue-39 149 74 lending lending NOUN issue-39 149 75 by by ADP issue-39 149 76 domestic domestic ADJ issue-39 149 77 banks bank NOUN issue-39 149 78 at at ADP issue-39 149 79 the the DET issue-39 149 80 global global ADJ issue-39 149 81 financial financial ADJ issue-39 149 82 market market NOUN issue-39 149 83 , , PUNCT issue-39 149 84 expansion expansion NOUN issue-39 149 85 of of ADP issue-39 149 86 importers importer NOUN issue-39 149 87 who who PRON issue-39 149 88 boosted boost VERB issue-39 149 89 the the DET issue-39 149 90 demand demand NOUN issue-39 149 91 for for ADP issue-39 149 92 loans loan NOUN issue-39 149 93 in in ADP issue-39 149 94 foreign foreign ADJ issue-39 149 95 currencies currency NOUN issue-39 149 96 ; ; PUNCT issue-39 149 97 ( ( PUNCT issue-39 149 98 iii iii X issue-39 149 99 ) ) PUNCT issue-39 149 100 the the DET issue-39 149 101 on on ADP issue-39 149 102 - - PUNCT issue-39 149 103 going go VERB issue-39 149 104 inflation inflation NOUN issue-39 149 105 expectations expectation NOUN issue-39 149 106 ; ; PUNCT issue-39 149 107 and and CCONJ issue-39 149 108 ( ( PUNCT issue-39 149 109 iv iv X issue-39 149 110 ) ) PUNCT issue-39 149 111 the the DET issue-39 149 112 increasing increase VERB issue-39 149 113 numbers number NOUN issue-39 149 114 of of ADP issue-39 149 115 banks bank NOUN issue-39 149 116 with with ADP issue-39 149 117 foreign foreign ADJ issue-39 149 118 capital capital NOUN issue-39 149 119 . . PUNCT issue-39 150 1 therefore therefore ADV issue-39 150 2 , , PUNCT issue-39 150 3 due due ADP issue-39 150 4 to to ADP issue-39 150 5 the the DET issue-39 150 6 rapidly rapidly ADV issue-39 150 7 growing grow VERB issue-39 150 8 lending lending NOUN issue-39 150 9 , , PUNCT issue-39 150 10 not not PART issue-39 150 11 balanced balance VERB issue-39 150 12 with with ADP issue-39 150 13 the the DET issue-39 150 14 internal internal ADJ issue-39 150 15 financial financial ADJ issue-39 150 16 capacities capacity NOUN issue-39 150 17 of of ADP issue-39 150 18 banks bank NOUN issue-39 150 19 , , PUNCT issue-39 150 20 and and CCONJ issue-39 150 21 the the DET issue-39 150 22 resort resort NOUN issue-39 150 23 of of ADP issue-39 150 24 banks bank NOUN issue-39 150 25 to to ADP issue-39 150 26 the the DET issue-39 150 27 nbu nbu NOUN issue-39 150 28 for for ADP issue-39 150 29 liquidity liquidity NOUN issue-39 150 30 support support NOUN issue-39 150 31 , , PUNCT issue-39 150 32 the the DET issue-39 150 33 nbu nbu NOUN issue-39 150 34 had have VERB issue-39 150 35 to to PART issue-39 150 36 abandon abandon VERB issue-39 150 37 any any DET issue-39 150 38 support support NOUN issue-39 150 39 of of ADP issue-39 150 40 bank bank NOUN issue-39 150 41 liquidity liquidity NOUN issue-39 150 42 by by ADP issue-39 150 43 the the DET issue-39 150 44 instruments instrument NOUN issue-39 150 45 of of ADP issue-39 150 46 refinancing refinance VERB issue-39 150 47 , , PUNCT issue-39 150 48 if if SCONJ issue-39 150 49 a a DET issue-39 150 50 bank bank NOUN issue-39 150 51 had have VERB issue-39 150 52 chronic chronic ADJ issue-39 150 53 imbalances imbalance NOUN issue-39 150 54 between between ADP issue-39 150 55 the the DET issue-39 150 56 terms term NOUN issue-39 150 57 of of ADP issue-39 150 58 loans loan NOUN issue-39 150 59 repayment repayment NOUN issue-39 150 60 and and CCONJ issue-39 150 61 amounts amount NOUN issue-39 150 62 of of ADP issue-39 150 63 loans loan NOUN issue-39 150 64 . . PUNCT issue-39 151 1 according accord VERB issue-39 151 2 to to ADP issue-39 151 3 the the DET issue-39 151 4 resolution resolution NOUN issue-39 151 5 of of ADP issue-39 151 6 the the DET issue-39 151 7 nbu nbu PROPN issue-39 151 8 board board NOUN issue-39 151 9 from from ADP issue-39 151 10 21.04.2008 21.04.2008 NUM issue-39 151 11 no no DET issue-39 151 12 107 107 NUM issue-39 151 13 , , PUNCT issue-39 151 14 entered enter VERB issue-39 151 15 into into ADP issue-39 151 16 force force NOUN issue-39 151 17 in in ADP issue-39 151 18 april april PROPN issue-39 151 19 22 22 NUM issue-39 151 20 , , PUNCT issue-39 151 21 2008 2008 NUM issue-39 151 22 , , PUNCT issue-39 151 23 when when SCONJ issue-39 151 24 a a DET issue-39 151 25 bank bank NOUN issue-39 151 26 needs need VERB issue-39 151 27 refinancing refinance VERB issue-39 151 28 from from ADP issue-39 151 29 the the DET issue-39 151 30 nbu nbu NOUN issue-39 151 31 for for ADP issue-39 151 32 liquidity liquidity NOUN issue-39 151 33 support support NOUN issue-39 151 34 , , PUNCT issue-39 151 35 it it PRON issue-39 151 36 shall shall AUX issue-39 151 37 be be AUX issue-39 151 38 required require VERB issue-39 151 39 to to PART issue-39 151 40 submit submit VERB issue-39 151 41 information information NOUN issue-39 151 42 about about ADP issue-39 151 43 its its PRON issue-39 151 44 lending lending NOUN issue-39 151 45 policy policy NOUN issue-39 151 46 , , PUNCT issue-39 151 47 specified specify VERB issue-39 151 48 by by ADP issue-39 151 49 terms term NOUN issue-39 151 50 and and CCONJ issue-39 151 51 amounts amount NOUN issue-39 151 52 of of ADP issue-39 151 53 the the DET issue-39 151 54 loans loan NOUN issue-39 151 55 ; ; PUNCT issue-39 151 56 the the DET issue-39 151 57 decision decision NOUN issue-39 151 58 on on ADP issue-39 151 59 refinancing refinance VERB issue-39 151 60 shall shall AUX issue-39 151 61 be be AUX issue-39 151 62 taken take VERB issue-39 151 63 with with ADP issue-39 151 64 account account NOUN issue-39 151 65 to to ADP issue-39 151 66 this this DET issue-39 151 67 information information NOUN issue-39 151 68 ( ( PUNCT issue-39 151 69 naumenkova naumenkova PROPN issue-39 151 70 , , PUNCT issue-39 151 71 mischenko mischenko NOUN issue-39 151 72 2013 2013 NUM issue-39 151 73 ) ) PUNCT issue-39 151 74 . . PUNCT issue-39 152 1 according accord VERB issue-39 152 2 to to ADP issue-39 152 3 experts expert NOUN issue-39 152 4 , , PUNCT issue-39 152 5 measures measure NOUN issue-39 152 6 like like ADP issue-39 152 7 this this PRON issue-39 152 8 are be AUX issue-39 152 9 quite quite ADV issue-39 152 10 expedient expedient ADJ issue-39 152 11 . . PUNCT issue-39 153 1 as as SCONJ issue-39 153 2 shown show VERB issue-39 153 3 by by ADP issue-39 153 4 research research NOUN issue-39 153 5 , , PUNCT issue-39 153 6 in in ADP issue-39 153 7 the the DET issue-39 153 8 years year NOUN issue-39 153 9 of of ADP issue-39 153 10 2007 2007 NUM issue-39 153 11 and and CCONJ issue-39 153 12 2008 2008 NUM issue-39 153 13 currency currency NOUN issue-39 153 14 imbalances imbalance NOUN issue-39 153 15 and and CCONJ issue-39 153 16 repayment repayment NOUN issue-39 153 17 term term NOUN issue-39 153 18 imbalances imbalance NOUN issue-39 153 19 were be AUX issue-39 153 20 rapidly rapidly ADV issue-39 153 21 increasing increase VERB issue-39 153 22 in in ADP issue-39 153 23 the the DET issue-39 153 24 ukrainian ukrainian ADJ issue-39 153 25 banking banking NOUN issue-39 153 26 system system NOUN issue-39 153 27 , , PUNCT issue-39 153 28 which which PRON issue-39 153 29 means mean VERB issue-39 153 30 the the DET issue-39 153 31 increasing increase VERB issue-39 153 32 gaps gap NOUN issue-39 153 33 between between ADP issue-39 153 34 the the DET issue-39 153 35 amounts amount NOUN issue-39 153 36 of of ADP issue-39 153 37 deposits deposit NOUN issue-39 153 38 and and CCONJ issue-39 153 39 loans loan NOUN issue-39 153 40 by by ADP issue-39 153 41 repayment repayment NOUN issue-39 153 42 term term NOUN issue-39 153 43 and and CCONJ issue-39 153 44 currency currency NOUN issue-39 153 45 of of ADP issue-39 153 46 repayment repayment NOUN issue-39 153 47 . . PUNCT issue-39 154 1 risks risk NOUN issue-39 154 2 amassing amass VERB issue-39 154 3 in in ADP issue-39 154 4 the the DET issue-39 154 5 ukrainian ukrainian ADJ issue-39 154 6 banking banking NOUN issue-39 154 7 system system NOUN issue-39 154 8 due due ADP issue-39 154 9 to to ADP issue-39 154 10 the the DET issue-39 154 11 increasing increase VERB issue-39 154 12 orientation orientation NOUN issue-39 154 13 on on ADP issue-39 154 14 foreign foreign ADJ issue-39 154 15 loans loan NOUN issue-39 154 16 , , PUNCT issue-39 154 17 stroke stroke NOUN issue-39 154 18 heavy heavy ADJ issue-39 154 19 blow blow NOUN issue-39 154 20 on on ADP issue-39 154 21 the the DET issue-39 154 22 banking banking NOUN issue-39 154 23 system system NOUN issue-39 154 24 in in ADP issue-39 154 25 autumn autumn NOUN issue-39 154 26 2008 2008 NUM issue-39 154 27 , , PUNCT issue-39 154 28 when when SCONJ issue-39 154 29 domestic domestic ADJ issue-39 154 30 banks bank NOUN issue-39 154 31 faced face VERB issue-39 154 32 limited limited ADJ issue-39 154 33 access access NOUN issue-39 154 34 to to ADP issue-39 154 35 external external ADJ issue-39 154 36 lending lending NOUN issue-39 154 37 sources source NOUN issue-39 154 38 , , PUNCT issue-39 154 39 due due ADP issue-39 154 40 to to ADP issue-39 154 41 liquidity liquidity NOUN issue-39 154 42 problems problem NOUN issue-39 154 43 at at ADP issue-39 154 44 global global ADJ issue-39 154 45 financial financial ADJ issue-39 154 46 markets market NOUN issue-39 154 47 and and CCONJ issue-39 154 48 outflow outflow NOUN issue-39 154 49 of of ADP issue-39 154 50 capital capital NOUN issue-39 154 51 , , PUNCT issue-39 154 52 which which PRON issue-39 154 53 worsened worsen VERB issue-39 154 54 their their PRON issue-39 154 55 liquidity liquidity NOUN issue-39 154 56 and and CCONJ issue-39 154 57 increased increase VERB issue-39 154 58 devaluation devaluation NOUN issue-39 154 59 pressures pressure NOUN issue-39 154 60 on on ADP issue-39 154 61 the the DET issue-39 154 62 national national ADJ issue-39 154 63 currency currency NOUN issue-39 154 64 . . PUNCT issue-39 155 1 also also ADV issue-39 155 2 , , PUNCT issue-39 155 3 the the DET issue-39 155 4 increasingly increasingly ADV issue-39 155 5 important important ADJ issue-39 155 6 role role NOUN issue-39 155 7 of of ADP issue-39 155 8 lending lending NOUN issue-39 155 9 in in ADP issue-39 155 10 the the DET issue-39 155 11 financial financial ADJ issue-39 155 12 capacities capacity NOUN issue-39 155 13 of of ADP issue-39 155 14 banks bank NOUN issue-39 155 15 , , PUNCT issue-39 155 16 especially especially ADV issue-39 155 17 foreign foreign ADJ issue-39 155 18 loans loan NOUN issue-39 155 19 , , PUNCT issue-39 155 20 increases increase VERB issue-39 155 21 the the DET issue-39 155 22 dependency dependency NOUN issue-39 155 23 of of ADP issue-39 155 24 banks bank NOUN issue-39 155 25 on on ADP issue-39 155 26 foreign foreign ADJ issue-39 155 27 financial financial ADJ issue-39 155 28 institutions institution NOUN issue-39 155 29 , , PUNCT issue-39 155 30 shocks shock NOUN issue-39 155 31 at at ADP issue-39 155 32 global global ADJ issue-39 155 33 capital capital NOUN issue-39 155 34 markets market NOUN issue-39 155 35 and and CCONJ issue-39 155 36 systemic systemic ADJ issue-39 155 37 risks risk NOUN issue-39 155 38 threatening threaten VERB issue-39 155 39 the the DET issue-39 155 40 financial financial ADJ issue-39 155 41 soundness soundness NOUN issue-39 155 42 of of ADP issue-39 155 43 the the DET issue-39 155 44 ukrainian ukrainian ADJ issue-39 155 45 banking banking NOUN issue-39 155 46 system system NOUN issue-39 155 47 . . PUNCT issue-39 156 1 yet yet ADV issue-39 156 2 , , PUNCT issue-39 156 3 the the DET issue-39 156 4 causally causally ADV issue-39 156 5 related relate VERB issue-39 156 6 domestic domestic ADJ issue-39 156 7 problems problem NOUN issue-39 156 8 of of ADP issue-39 156 9 ukraine ukraine NOUN issue-39 156 10 are be AUX issue-39 156 11 no no ADV issue-39 156 12 less less ADV issue-39 156 13 vital vital ADJ issue-39 156 14 : : PUNCT issue-39 156 15 unstable unstable ADJ issue-39 156 16 financial financial ADJ issue-39 156 17 condition condition NOUN issue-39 156 18 and and CCONJ issue-39 156 19 weakness weakness NOUN issue-39 156 20 of of ADP issue-39 156 21 domestic domestic ADJ issue-39 156 22 banks bank NOUN issue-39 156 23 and and CCONJ issue-39 156 24 overall overall ADJ issue-39 156 25 economic economic ADJ issue-39 156 26 slackness slackness NOUN issue-39 156 27 . . PUNCT issue-39 157 1 the the DET issue-39 157 2 main main ADJ issue-39 157 3 factors factor NOUN issue-39 157 4 hampering hamper VERB issue-39 157 5 the the DET issue-39 157 6 lending lending NOUN issue-39 157 7 market market NOUN issue-39 157 8 in in ADP issue-39 157 9 ukraine ukraine PROPN issue-39 157 10 are be AUX issue-39 157 11 the the DET issue-39 157 12 following following NOUN issue-39 157 13 : : PUNCT issue-39 158 1 1 1 X issue-39 158 2 . . X issue-39 158 3 the the DET issue-39 158 4 falling fall VERB issue-39 158 5 rates rate NOUN issue-39 158 6 of of ADP issue-39 158 7 economic economic ADJ issue-39 158 8 growth growth NOUN issue-39 158 9 ( ( PUNCT issue-39 158 10 economic economic ADJ issue-39 158 11 recession recession NOUN issue-39 158 12 ) ) PUNCT issue-39 158 13 due due ADP issue-39 158 14 to to ADP issue-39 158 15 military military ADJ issue-39 158 16 conflict conflict NOUN issue-39 158 17 , , PUNCT issue-39 158 18 loss loss NOUN issue-39 158 19 of of ADP issue-39 158 20 control control NOUN issue-39 158 21 over over ADP issue-39 158 22 a a DET issue-39 158 23 part part NOUN issue-39 158 24 of of ADP issue-39 158 25 ukrainian ukrainian ADJ issue-39 158 26 territories territory NOUN issue-39 158 27 and and CCONJ issue-39 158 28 rapid rapid ADJ issue-39 158 29 shrinkage shrinkage NOUN issue-39 158 30 ( ( PUNCT issue-39 158 31 if if SCONJ issue-39 158 32 not not PART issue-39 158 33 closure closure NOUN issue-39 158 34 in in ADP issue-39 158 35 some some DET issue-39 158 36 sectors sector NOUN issue-39 158 37 ) ) PUNCT issue-39 158 38 of of ADP issue-39 158 39 the the DET issue-39 158 40 russian russian ADJ issue-39 158 41 market market NOUN issue-39 158 42 . . PUNCT issue-39 159 1 2 2 X issue-39 159 2 . . X issue-39 159 3 political political ADJ issue-39 159 4 instability instability NOUN issue-39 159 5 , , PUNCT issue-39 159 6 social social ADJ issue-39 159 7 tensions tension NOUN issue-39 159 8 , , PUNCT issue-39 159 9 inflation inflation NOUN issue-39 159 10 , , PUNCT issue-39 159 11 rapid rapid ADJ issue-39 159 12 devaluation devaluation NOUN issue-39 159 13 of of ADP issue-39 159 14 the the DET issue-39 159 15 ukrainian ukrainian ADJ issue-39 159 16 hryvnya hryvnya NOUN issue-39 159 17 and and CCONJ issue-39 159 18 shrinking shrink VERB issue-39 159 19 populations population NOUN issue-39 159 20 ’ ' PUNCT issue-39 159 21 incomes income NOUN issue-39 159 22 , , PUNCT issue-39 159 23 which which PRON issue-39 159 24 represses repress VERB issue-39 159 25 consumption consumption NOUN issue-39 159 26 and and CCONJ issue-39 159 27 solvency solvency NOUN issue-39 159 28 of of ADP issue-39 159 29 borrowers borrower NOUN issue-39 159 30 . . PUNCT issue-39 160 1 3 3 X issue-39 160 2 . . NUM issue-39 160 3 limited limited ADJ issue-39 160 4 access access NOUN issue-39 160 5 of of ADP issue-39 160 6 enterprises enterprise NOUN issue-39 160 7 and and CCONJ issue-39 160 8 population population NOUN issue-39 160 9 to to ADP issue-39 160 10 loans loan NOUN issue-39 160 11 as as ADP issue-39 160 12 a a DET issue-39 160 13 consequence consequence NOUN issue-39 160 14 of of ADP issue-39 160 15 the the DET issue-39 160 16 increasing increase VERB issue-39 160 17 government government NOUN issue-39 160 18 borrowing borrowing NOUN issue-39 160 19 . . PUNCT issue-39 161 1 4 4 X issue-39 161 2 . . NUM issue-39 161 3 limited limited ADJ issue-39 161 4 financial financial ADJ issue-39 161 5 resources resource NOUN issue-39 161 6 for for ADP issue-39 161 7 potential potential ADJ issue-39 161 8 borrowers borrower NOUN issue-39 161 9 , , PUNCT issue-39 161 10 because because SCONJ issue-39 161 11 the the DET issue-39 161 12 banks bank NOUN issue-39 161 13 are be AUX issue-39 161 14 legally legally ADV issue-39 161 15 required require VERB issue-39 161 16 to to PART issue-39 161 17 increase increase VERB issue-39 161 18 reserves reserve NOUN issue-39 161 19 to to PART issue-39 161 20 secure secure VERB issue-39 161 21 stability stability NOUN issue-39 161 22 . . PUNCT issue-39 162 1 5 5 X issue-39 162 2 . . X issue-39 162 3 shortage shortage NOUN issue-39 162 4 of of ADP issue-39 162 5 lending lending NOUN issue-39 162 6 resources resource NOUN issue-39 162 7 due due ADJ issue-39 162 8 to to ADP issue-39 162 9 weak weak ADJ issue-39 162 10 domestic domestic ADJ issue-39 162 11 monetary monetary ADJ issue-39 162 12 capacities capacity NOUN issue-39 162 13 along along ADP issue-39 162 14 with with ADP issue-39 162 15 limited limited ADJ issue-39 162 16 external external ADJ issue-39 162 17 resources resource NOUN issue-39 162 18 , , PUNCT issue-39 162 19 disabling disable VERB issue-39 162 20 long long ADJ issue-39 162 21 - - PUNCT issue-39 162 22 term term NOUN issue-39 162 23 capital capital NOUN issue-39 162 24 formation formation NOUN issue-39 162 25 . . PUNCT issue-39 163 1 6 6 X issue-39 163 2 . . X issue-39 163 3 the the DET issue-39 163 4 degrading degrade VERB issue-39 163 5 quality quality NOUN issue-39 163 6 of of ADP issue-39 163 7 assets asset NOUN issue-39 163 8 and and CCONJ issue-39 163 9 the the DET issue-39 163 10 increasing increase VERB issue-39 163 11 arrears arrear NOUN issue-39 163 12 , , PUNCT issue-39 163 13 resulting result VERB issue-39 163 14 from from ADP issue-39 163 15 high high ADJ issue-39 163 16 credit credit NOUN issue-39 163 17 risks risk NOUN issue-39 163 18 , , PUNCT issue-39 163 19 imperfect imperfect ADJ issue-39 163 20 methods method NOUN issue-39 163 21 of of ADP issue-39 163 22 risk risk NOUN issue-39 163 23 management management NOUN issue-39 163 24 , , PUNCT issue-39 163 25 absence absence NOUN issue-39 163 26 of of ADP issue-39 163 27 clear clear ADJ issue-39 163 28 mechanisms mechanism NOUN issue-39 163 29 for for ADP issue-39 163 30 return return NOUN issue-39 163 31 of of ADP issue-39 163 32 loans loan NOUN issue-39 163 33 by by ADP issue-39 163 34 insolvent insolvent ADJ issue-39 163 35 borrowers borrower NOUN issue-39 163 36 . . PUNCT issue-39 164 1 7 7 X issue-39 164 2 . . X issue-39 164 3 inadequate inadequate ADJ issue-39 164 4 legal legal ADJ issue-39 164 5 protection protection NOUN issue-39 164 6 of of ADP issue-39 164 7 borrowers borrower NOUN issue-39 164 8 and and CCONJ issue-39 164 9 lenders lender NOUN issue-39 164 10 alike alike ADV issue-39 164 11 , , PUNCT issue-39 164 12 low low ADJ issue-39 164 13 level level NOUN issue-39 164 14 of of ADP issue-39 164 15 financial financial ADJ issue-39 164 16 literacy literacy NOUN issue-39 164 17 with with ADP issue-39 164 18 the the DET issue-39 164 19 population population NOUN issue-39 164 20 . . PUNCT issue-39 165 1 3 3 X issue-39 165 2 . . X issue-39 165 3 conclusions conclusion NOUN issue-39 165 4 recovery recovery NOUN issue-39 165 5 from from ADP issue-39 165 6 the the DET issue-39 165 7 monetary monetary ADJ issue-39 165 8 crisis crisis NOUN issue-39 165 9 is be AUX issue-39 165 10 an an DET issue-39 165 11 imperative imperative NOUN issue-39 165 12 for for ADP issue-39 165 13 economic economic ADJ issue-39 165 14 development development NOUN issue-39 165 15 . . PUNCT issue-39 166 1 practices practice NOUN issue-39 166 2 of of ADP issue-39 166 3 many many ADJ issue-39 166 4 countries country NOUN issue-39 166 5 show show VERB issue-39 166 6 the the DET issue-39 166 7 efficiency efficiency NOUN issue-39 166 8 of of ADP issue-39 166 9 measures measure NOUN issue-39 166 10 given give VERB issue-39 166 11 below below ADP issue-39 166 12 : : PUNCT issue-39 166 13 • • NOUN issue-39 166 14 improve improve VERB issue-39 166 15 the the DET issue-39 166 16 system system NOUN issue-39 166 17 of of ADP issue-39 166 18 regulation regulation NOUN issue-39 166 19 and and CCONJ issue-39 166 20 supervision supervision NOUN issue-39 166 21 of of ADP issue-39 166 22 bank bank NOUN issue-39 166 23 equities equity NOUN issue-39 166 24 , , PUNCT issue-39 166 25 in in ADP issue-39 166 26 parallel parallel NOUN issue-39 166 27 with with ADP issue-39 166 28 a a DET issue-39 166 29 relief relief NOUN issue-39 166 30 from from ADP issue-39 166 31 administrative administrative ADJ issue-39 166 32 pressures pressure NOUN issue-39 166 33 , , PUNCT issue-39 166 34 creating create VERB issue-39 166 35 conditions condition NOUN issue-39 166 36 for for ADP issue-39 166 37 long long ADJ issue-39 166 38 - - PUNCT issue-39 166 39 term term NOUN issue-39 166 40 capital capital NOUN issue-39 166 41 formation formation NOUN issue-39 166 42 ; ; PUNCT issue-39 166 43 • • X issue-39 166 44 improve improve VERB issue-39 166 45 the the DET issue-39 166 46 refinancing refinance VERB issue-39 166 47 system system NOUN issue-39 166 48 , , PUNCT issue-39 166 49 strengthen strengthen VERB issue-39 166 50 the the DET issue-39 166 51 function function NOUN issue-39 166 52 of of ADP issue-39 166 53 central central ADJ issue-39 166 54 bank bank PROPN issue-39 166 55 as as ADP issue-39 166 56 the the DET issue-39 166 57 lender lender NOUN issue-39 166 58 of of ADP issue-39 166 59 the the DET issue-39 166 60 final final ADJ issue-39 166 61 instance instance NOUN issue-39 166 62 ; ; PUNCT issue-39 166 63 • • CCONJ issue-39 166 64 carry carry VERB issue-39 166 65 out out ADP issue-39 166 66 stress stress NOUN issue-39 166 67 - - PUNCT issue-39 166 68 tests test NOUN issue-39 166 69 of of ADP issue-39 166 70 banks bank NOUN issue-39 166 71 , , PUNCT issue-39 166 72 to to PART issue-39 166 73 evaluate evaluate VERB issue-39 166 74 their their PRON issue-39 166 75 capital capital NOUN issue-39 166 76 sufficiency sufficiency NOUN issue-39 166 77 and and CCONJ issue-39 166 78 capacities capacity NOUN issue-39 166 79 to to PART issue-39 166 80 encounter encounter VERB issue-39 166 81 internal internal ADJ issue-39 166 82 and and CCONJ issue-39 166 83 external external ADJ issue-39 166 84 shocks shock NOUN issue-39 166 85 ; ; PUNCT issue-39 166 86 • • NUM issue-39 166 87 sale sale NOUN issue-39 166 88 of of ADP issue-39 166 89 banks bank NOUN issue-39 166 90 recapitalized recapitalize VERB issue-39 166 91 by by ADP issue-39 166 92 the the DET issue-39 166 93 government government NOUN issue-39 166 94 to to ADP issue-39 166 95 effective effective ADJ issue-39 166 96 owners owner NOUN issue-39 166 97 ; ; PUNCT issue-39 166 98 • • ADV issue-39 166 99 improve improve VERB issue-39 166 100 the the DET issue-39 166 101 mortgage mortgage NOUN issue-39 166 102 mechanism mechanism NOUN issue-39 166 103 through through ADP issue-39 166 104 engaging engage VERB issue-39 166 105 state state NOUN issue-39 166 106 - - PUNCT issue-39 166 107 owned own VERB issue-39 166 108 banks bank NOUN issue-39 166 109 ; ; PUNCT issue-39 166 110 • • NOUN issue-39 166 111 stabilize stabilize VERB issue-39 166 112 inflation inflation NOUN issue-39 166 113 and and CCONJ issue-39 166 114 fix fix VERB issue-39 166 115 reasonable reasonable ADJ issue-39 166 116 interest interest NOUN issue-39 166 117 rates rate NOUN issue-39 166 118 ; ; PUNCT issue-39 166 119 • • NUM issue-39 166 120 foster foster VERB issue-39 166 121 the the DET issue-39 166 122 attitude attitude NOUN issue-39 166 123 of of ADP issue-39 166 124 trust trust NOUN issue-39 166 125 to to ADP issue-39 166 126 the the DET issue-39 166 127 national national ADJ issue-39 166 128 currency currency NOUN issue-39 166 129 and and CCONJ issue-39 166 130 banking banking NOUN issue-39 166 131 system system NOUN issue-39 166 132 . . PUNCT issue-39 167 1 the the DET issue-39 167 2 above above ADJ issue-39 167 3 measures measure NOUN issue-39 167 4 , , PUNCT issue-39 167 5 when when SCONJ issue-39 167 6 taken take VERB issue-39 167 7 coherently coherently ADV issue-39 167 8 , , PUNCT issue-39 167 9 can can AUX issue-39 167 10 enhance enhance VERB issue-39 167 11 banks bank NOUN issue-39 167 12 ’ ’ PART issue-39 167 13 efficiency efficiency NOUN issue-39 167 14 and and CCONJ issue-39 167 15 competencies competency NOUN issue-39 167 16 , , PUNCT issue-39 167 17 and and CCONJ issue-39 167 18 their their PRON issue-39 167 19 role role NOUN issue-39 167 20 as as ADP issue-39 167 21 vital vital ADJ issue-39 167 22 and and CCONJ issue-39 167 23 vigorous vigorous ADJ issue-39 167 24 contributors contributor NOUN issue-39 167 25 in in ADP issue-39 167 26 economic economic ADJ issue-39 167 27 recovery recovery NOUN issue-39 167 28 . . PUNCT issue-39 168 1 baltic baltic PROPN issue-39 168 2 journal journal PROPN issue-39 168 3 of of ADP issue-39 168 4 economic economic ADJ issue-39 168 5 studies study NOUN issue-39 168 6 68 68 NUM issue-39 168 7 vol vol NOUN issue-39 168 8 . . PROPN issue-39 169 1 1 1 NUM issue-39 169 2 , , PUNCT issue-39 169 3 no no INTJ issue-39 169 4 . . NOUN issue-39 169 5 2 2 NUM issue-39 169 6 , , PUNCT issue-39 169 7 2015 2015 NUM issue-39 169 8 references reference NOUN issue-39 169 9 baranovs'kyj baranovs'kyj NOUN issue-39 169 10 , , PUNCT issue-39 169 11 o.i o.i PROPN issue-39 169 12 . . PUNCT issue-39 169 13 ( ( PUNCT issue-39 169 14 2004 2004 NUM issue-39 169 15 ) ) PUNCT issue-39 169 16 . . PUNCT issue-39 170 1 financial financial ADJ issue-39 170 2 security security NOUN issue-39 170 3 in in ADP issue-39 170 4 ukraine ukraine NOUN issue-39 170 5 ( ( PUNCT issue-39 170 6 assessment assessment NOUN issue-39 170 7 methodology methodology NOUN issue-39 170 8 and and CCONJ issue-39 170 9 tools tool NOUN issue-39 170 10 support support NOUN issue-39 170 11 ) ) PUNCT issue-39 170 12 . . PUNCT issue-39 171 1 – – PUNCT issue-39 171 2 kyiv kyiv ADJ issue-39 171 3 : : PUNCT issue-39 171 4 knteu knteu NOUN issue-39 171 5 . . PUNCT issue-39 172 1 – – PUNCT issue-39 172 2 759 759 NUM issue-39 172 3 р р NOUN issue-39 172 4 . . PROPN issue-39 172 5 ehorova ehorova PROPN issue-39 172 6 , , PUNCT issue-39 172 7 a.v a.v PROPN issue-39 172 8 . . PROPN issue-39 172 9 ( ( PUNCT issue-39 172 10 2010 2010 NUM issue-39 172 11 ) ) PUNCT issue-39 172 12 . . PUNCT issue-39 173 1 analysis analysis NOUN issue-39 173 2 and and CCONJ issue-39 173 3 monitoring monitoring NOUN issue-39 173 4 of of ADP issue-39 173 5 bank bank NOUN issue-39 173 6 lending lending NOUN issue-39 173 7 , , PUNCT issue-39 173 8 money money NOUN issue-39 173 9 and and CCONJ issue-39 173 10 credit credit NOUN issue-39 173 11 , , PUNCT issue-39 173 12 vol vol NOUN issue-39 173 13 . . PROPN issue-39 173 14 10 10 NUM issue-39 173 15 , , PUNCT issue-39 173 16 p. p. NOUN issue-39 173 17 16–22 16–22 NUM issue-39 173 18 . . PUNCT issue-39 174 1 naumenkova naumenkova PROPN issue-39 174 2 , , PUNCT issue-39 174 3 s. s. PROPN issue-39 174 4 , , PUNCT issue-39 174 5 mischenko mischenko PROPN issue-39 174 6 s. s. PROPN issue-39 174 7 ( ( PUNCT issue-39 174 8 2013 2013 NUM issue-39 174 9 ) ) PUNCT issue-39 174 10 . . PUNCT issue-39 175 1 development development NOUN issue-39 175 2 lending lending NOUN issue-39 175 3 in in ADP issue-39 175 4 the the DET issue-39 175 5 post post ADJ issue-39 175 6 - - ADJ issue-39 175 7 crisis crisis ADJ issue-39 175 8 environment environment NOUN issue-39 175 9 , , PUNCT issue-39 175 10 banking banking NOUN issue-39 175 11 , , PUNCT issue-39 175 12 vol vol NOUN issue-39 175 13 . . PROPN issue-39 175 14 1 1 NUM issue-39 175 15 , , PUNCT issue-39 175 16 p. p. NOUN issue-39 175 17 3–19 3–19 PROPN issue-39 175 18 . . PUNCT issue-39 176 1 new new ADJ issue-39 176 2 loans loan NOUN issue-39 176 3 to to ADP issue-39 176 4 households household NOUN issue-39 176 5 and and CCONJ issue-39 176 6 non non ADJ issue-39 176 7 - - ADJ issue-39 176 8 financial financial ADJ issue-39 176 9 corporations corporation NOUN issue-39 176 10 ( ( PUNCT issue-39 176 11 2013 2013 NUM issue-39 176 12 ) ) PUNCT issue-39 176 13 . . PUNCT issue-39 177 1 statistical statistical ADJ issue-39 177 2 release release NOUN issue-39 177 3 nbu nbu PROPN issue-39 177 4 . . PUNCT issue-39 177 5 available available ADJ issue-39 177 6 at at ADP issue-39 177 7 : : PUNCT issue-39 177 8 http://www.bank.gov.ua http://www.bank.gov.ua PUNCT issue-39 177 9 karmazyna karmazyna PROPN issue-39 177 10 , , PUNCT issue-39 177 11 a.s a.s PROPN issue-39 177 12 . . PROPN issue-39 177 13 ( ( PUNCT issue-39 177 14 2011 2011 NUM issue-39 177 15 ) ) PUNCT issue-39 177 16 . . PUNCT issue-39 178 1 world world NOUN issue-39 178 2 experience experience NOUN issue-39 178 3 of of ADP issue-39 178 4 analysis analysis NOUN issue-39 178 5 and and CCONJ issue-39 178 6 monitoring monitoring NOUN issue-39 178 7 of of ADP issue-39 178 8 bank bank NOUN issue-39 178 9 lending lending NOUN issue-39 178 10 , , PUNCT issue-39 178 11 вanking вanke VERB issue-39 178 12 business business NOUN issue-39 178 13 , , PUNCT issue-39 178 14 vol vol NOUN issue-39 178 15 . . PROPN issue-39 179 1 3 3 NUM issue-39 179 2 , , PUNCT issue-39 179 3 p. p. NOUN issue-39 179 4 21–28 21–28 NUM issue-39 179 5 . . PUNCT issue-39 180 1 kutsenko kutsenko PROPN issue-39 180 2 , , PUNCT issue-39 180 3 o. o. PROPN issue-39 180 4 ( ( PUNCT issue-39 180 5 2011 2011 NUM issue-39 180 6 ) ) PUNCT issue-39 180 7 . . PUNCT issue-39 181 1 consumer consumer NOUN issue-39 181 2 lending lending NOUN issue-39 181 3 in in ADP issue-39 181 4 ukraine ukraine NOUN issue-39 181 5 : : PUNCT issue-39 181 6 surveying survey VERB issue-39 181 7 the the DET issue-39 181 8 . . PUNCT issue-39 181 9 project project PROPN issue-39 181 10 usaid usaid VERB issue-39 181 11 « « PUNCT issue-39 181 12 financial financial ADJ issue-39 181 13 sector sector NOUN issue-39 181 14 development development NOUN issue-39 181 15 » » PUNCT issue-39 181 16 ( ( PUNCT issue-39 181 17 finrep finrep NOUN issue-39 181 18 ) ) PUNCT issue-39 181 19 . . PUNCT issue-39 182 1 available available ADJ issue-39 182 2 at at ADP issue-39 182 3 : : PUNCT issue-39 182 4 http://www.bank.gov.ua http://www.bank.gov.ua X issue-39 182 5 lavrushyn lavrushyn ADJ issue-39 182 6 , , PUNCT issue-39 182 7 o.y o.y PROPN issue-39 182 8 . . PUNCT issue-39 182 9 ( ( PUNCT issue-39 182 10 2012 2012 NUM issue-39 182 11 ) ) PUNCT issue-39 182 12 . . PUNCT issue-39 183 1 the the DET issue-39 183 2 role role NOUN issue-39 183 3 of of ADP issue-39 183 4 credit credit NOUN issue-39 183 5 and and CCONJ issue-39 183 6 modernization modernization NOUN issue-39 183 7 activities activity NOUN issue-39 183 8 of of ADP issue-39 183 9 banks bank NOUN issue-39 183 10 in in ADP issue-39 183 11 lending lending NOUN issue-39 183 12 scope scope NOUN issue-39 183 13 . . PUNCT issue-39 184 1 – – PUNCT issue-39 184 2 moscow moscow PROPN issue-39 184 3 : : PUNCT issue-39 184 4 knorus knorus PROPN issue-39 184 5 . . PUNCT issue-39 185 1 – – PUNCT issue-39 185 2 р р ADP issue-39 185 3 . . PROPN issue-39 185 4 272 272 NUM issue-39 185 5 . . PUNCT issue-39 186 1 lahard lahard PROPN issue-39 186 2 , , PUNCT issue-39 186 3 k. k. PROPN issue-39 186 4 ( ( PUNCT issue-39 186 5 2012 2012 NUM issue-39 186 6 ) ) PUNCT issue-39 186 7 . . PUNCT issue-39 187 1 it it PRON issue-39 187 2 is be AUX issue-39 187 3 time time NOUN issue-39 187 4 to to PART issue-39 187 5 overcome overcome VERB issue-39 187 6 the the DET issue-39 187 7 crisis crisis NOUN issue-39 187 8 . . PUNCT issue-39 188 1 available available ADJ issue-39 188 2 at at ADP issue-39 188 3 : : PUNCT issue-39 188 4 http://www.imf.org/external/russian/pubs/ft/ http://www.imf.org/external/russian/pubs/ft/ NOUN issue-39 188 5 survey survey NOUN issue-39 188 6 / / SYM issue-39 188 7 so/2012 so/2012 NOUN issue-39 188 8 / / SYM issue-39 188 9 new092112ar.pdf new092112ar.pdf PROPN issue-39 188 10 torubka torubka PROPN issue-39 188 11 , , PUNCT issue-39 188 12 l.v l.v PROPN issue-39 188 13 . . PROPN issue-39 188 14 ( ( PUNCT issue-39 188 15 2011 2011 NUM issue-39 188 16 ) ) PUNCT issue-39 188 17 . . PUNCT issue-39 189 1 consumer consumer NOUN issue-39 189 2 lending lending NOUN issue-39 189 3 in in ADP issue-39 189 4 ukraine ukraine NOUN issue-39 189 5 : : PUNCT issue-39 189 6 current current ADJ issue-39 189 7 state state NOUN issue-39 189 8 and and CCONJ issue-39 189 9 trends trend NOUN issue-39 189 10 of of ADP issue-39 189 11 development development NOUN issue-39 189 12 , , PUNCT issue-39 189 13 bulletin bulletin NOUN issue-39 189 14 of of ADP issue-39 189 15 the the DET issue-39 189 16 university university NOUN issue-39 189 17 of of ADP issue-39 189 18 banking banking PROPN issue-39 189 19 nbu nbu PROPN issue-39 189 20 , , PUNCT issue-39 189 21 vol vol NOUN issue-39 189 22 . . PROPN issue-39 189 23 3(12 3(12 NUM issue-39 189 24 ) ) PUNCT issue-39 189 25 , , PUNCT issue-39 189 26 p. p. PROPN issue-39 189 27 22–31 22–31 PROPN issue-39 189 28 . . PUNCT issue-39 190 1 sale sale NOUN issue-39 190 2 of of ADP issue-39 190 3 bad bad ADJ issue-39 190 4 loans loan NOUN issue-39 190 5 by by ADP issue-39 190 6 banks bank NOUN issue-39 190 7 , , PUNCT issue-39 190 8 key key ADJ issue-39 190 9 points point NOUN issue-39 190 10 . . PUNCT issue-39 191 1 available available ADJ issue-39 191 2 at at ADP issue-39 191 3 : : PUNCT issue-39 191 4 http://ireu.org.ua/2014/08/28/prodazh-problemnix-kreditivbankami-klyuchovi-momenti http://ireu.org.ua/2014/08/28/prodazh-problemnix-kreditivbankami-klyuchovi-momenti X issue-39 191 5 татьяна татьяна NOUN issue-39 191 6 кубах кубах NOUN issue-39 191 7 развитие развитие ADJ issue-39 191 8 кредитного кредитного NOUN issue-39 191 9 рынка рынка NOUN issue-39 191 10 украины украины PROPN issue-39 191 11 в в PROPN issue-39 191 12 послекризисный послекризисный PROPN issue-39 191 13 период период ADJ issue-39 191 14 аннотация аннотация NOUN issue-39 191 15 . . PUNCT issue-39 192 1 целью целью PROPN issue-39 192 2 работы работы PROPN issue-39 192 3 является является PROPN issue-39 192 4 систематизация систематизация PROPN issue-39 192 5 данных данных PROPN issue-39 192 6 развития развития PROPN issue-39 192 7 кредитного кредитного VERB issue-39 192 8 рынка рынка NOUN issue-39 192 9 украина украина PROPN issue-39 192 10 в в PROPN issue-39 192 11 период период PROPN issue-39 192 12 экономических экономических PROPN issue-39 192 13 , , PUNCT issue-39 192 14 политических политических VERB issue-39 192 15 потрясений потрясений PROPN issue-39 192 16 и и PROPN issue-39 192 17 начала начала VERB issue-39 192 18 военного военного NOUN issue-39 192 19 противостояния противостояния PROPN issue-39 192 20 с с NOUN issue-39 192 21 россией россией NOUN issue-39 192 22 . . PUNCT issue-39 193 1 метод метод NOUN issue-39 193 2 продолжительного продолжительного NOUN issue-39 193 3 исследования исследования NOUN issue-39 193 4 позволить позволить PROPN issue-39 193 5 проследить проследить PROPN issue-39 193 6 изменения изменения ADJ issue-39 193 7 , , PUNCT issue-39 193 8 которые которые PROPN issue-39 193 9 происходили происходили PROPN issue-39 193 10 не не PROPN issue-39 193 11 только только PROPN issue-39 193 12 в в PROPN issue-39 193 13 банковской банковской VERB issue-39 193 14 системе системе NOUN issue-39 193 15 , , PUNCT issue-39 193 16 но но ADP issue-39 193 17 и и PROPN issue-39 193 18 в в PROPN issue-39 193 19 целом целом PROPN issue-39 193 20 в в PROPN issue-39 193 21 экономике экономике PROPN issue-39 193 22 . . PUNCT issue-39 194 1 методика методика PROPN issue-39 194 2 . . PUNCT issue-39 195 1 исследование исследование PROPN issue-39 195 2 основано основано PROPN issue-39 195 3 на на PROPN issue-39 195 4 сравнении сравнении PROPN issue-39 195 5 данных данных PROPN issue-39 195 6 по по PROPN issue-39 195 7 ряду ряду PROPN issue-39 195 8 показателей показателей NOUN issue-39 195 9 , , PUNCT issue-39 195 10 которые которые ADP issue-39 195 11 были были NOUN issue-39 195 12 взяты взяты NOUN issue-39 195 13 за за NOUN issue-39 195 14 основу основу NOUN issue-39 195 15 и и PROPN issue-39 195 16 позволили позволили NOUN issue-39 195 17 в в PROPN issue-39 195 18 полном полном PROPN issue-39 195 19 объеме объеме VERB issue-39 195 20 провести провести PROPN issue-39 195 21 анализ анализ PROPN issue-39 195 22 кредитного кредитного PROPN issue-39 195 23 рынка рынка PROPN issue-39 195 24 как как AUX issue-39 195 25 составляющей составляющей PROPN issue-39 195 26 рынка рынка PROPN issue-39 195 27 капитала капитала VERB issue-39 195 28 за за PRON issue-39 195 29 период период PROPN issue-39 195 30 с с PROPN issue-39 195 31 2000 2000 NUM issue-39 195 32 по по PROPN issue-39 195 33 2013 2013 NUM issue-39 195 34 год год PROPN issue-39 195 35 . . PUNCT issue-39 196 1 результаты результаты PROPN issue-39 196 2 роботы роботы ADJ issue-39 196 3 позволили позволили ADJ issue-39 196 4 четко четко PROPN issue-39 196 5 определить определить PROPN issue-39 196 6 проблемы проблемы PROPN issue-39 196 7 , , PUNCT issue-39 196 8 которые которые ADP issue-39 196 9 препятствуют препятствуют ADJ issue-39 196 10 стабильному стабильному NOUN issue-39 196 11 развитию развитию PROPN issue-39 196 12 банковской банковской VERB issue-39 196 13 системы системы NOUN issue-39 196 14 украины украины NOUN issue-39 196 15 , , PUNCT issue-39 196 16 среди среди ADJ issue-39 196 17 которых которых PROPN issue-39 196 18 можно можно PROPN issue-39 196 19 выделить выделить PROPN issue-39 196 20 следующие следующие PROPN issue-39 196 21 : : PUNCT issue-39 196 22 высокий высокий VERB issue-39 196 23 уровень уровень PROPN issue-39 196 24 себестоимости себестоимости PROPN issue-39 196 25 банковских банковских VERB issue-39 196 26 продуктов продуктов NOUN issue-39 196 27 ; ; PUNCT issue-39 196 28 брак брак VERB issue-39 196 29 квалифицированного квалифицированного NOUN issue-39 196 30 персонала персонала ADJ issue-39 196 31 ; ; PUNCT issue-39 196 32 недоверие недоверие ADJ issue-39 196 33 населения населения ADJ issue-39 196 34 к к X issue-39 196 35 банкам банкам NOUN issue-39 196 36 ; ; PUNCT issue-39 196 37 низкий низкий NOUN issue-39 196 38 уровень уровень PROPN issue-39 196 39 культуры культуры PROPN issue-39 196 40 пользователей пользователей PROPN issue-39 196 41 финансовыми финансовыми VERB issue-39 196 42 продуктами продуктами VERB issue-39 196 43 ; ; PUNCT issue-39 196 44 низкий низкий PROPN issue-39 196 45 уровень уровень PROPN issue-39 196 46 доходов доходов VERB issue-39 196 47 населения населения PROPN issue-39 196 48 ; ; PUNCT issue-39 196 49 высокая высокая PROPN issue-39 196 50 доходность доходность PROPN issue-39 196 51 по по PROPN issue-39 196 52 депозитным депозитным VERB issue-39 196 53 операциям операциям ADJ issue-39 196 54 увеличивает увеличивает PROPN issue-39 196 55 стоимость стоимость NOUN issue-39 196 56 кредитных кредитных PROPN issue-39 196 57 продуктов продуктов NOUN issue-39 196 58 ; ; PUNCT issue-39 196 59 замедление замедление ADJ issue-39 196 60 развития развития NOUN issue-39 196 61 экономики экономики NOUN issue-39 196 62 , , PUNCT issue-39 196 63 отсутствие отсутствие NOUN issue-39 196 64 реформ реформ NOUN issue-39 196 65 ; ; PUNCT issue-39 196 66 социально социально ADJ issue-39 196 67 - - PUNCT issue-39 196 68 политическая политическая ADJ issue-39 196 69 напряженность напряженность NOUN issue-39 196 70 ; ; PUNCT issue-39 196 71 военный военный ADJ issue-39 196 72 конфликт конфликт NOUN issue-39 196 73 с с PROPN issue-39 196 74 соседним соседним PROPN issue-39 196 75 государством государством PROPN issue-39 196 76 . . PUNCT issue-39 197 1 практическое практическое PROPN issue-39 197 2 значение значение PROPN issue-39 197 3 . . PUNCT issue-39 198 1 четкое четкое PROPN issue-39 198 2 определение определение NOUN issue-39 198 3 существующих существующих NOUN issue-39 198 4 проблем проблем PROPN issue-39 198 5 на на PROPN issue-39 198 6 кредитном кредитном PROPN issue-39 198 7 рынке рынке VERB issue-39 198 8 как как VERB issue-39 198 9 составляющем составляющем NOUN issue-39 198 10 элементе элементе PROPN issue-39 198 11 банковской банковской VERB issue-39 198 12 системы системы PROPN issue-39 198 13 позволило позволило PROPN issue-39 198 14 определить определить PROPN issue-39 198 15 ряд ряд NOUN issue-39 198 16 направлений направлений PROPN issue-39 198 17 которые которые PROPN issue-39 198 18 позволять позволять PROPN issue-39 198 19 решить решить PROPN issue-39 198 20 сложившуюся сложившуюся PROPN issue-39 198 21 ситуацию ситуацию PROPN issue-39 198 22 . . PUNCT issue-39 198 23 среди среди PROPN issue-39 198 24 них них PROPN issue-39 198 25 прежде прежде PROPN issue-39 198 26 всего всего PROPN issue-39 198 27 следует следует PROPN issue-39 198 28 выделить выделить PROPN issue-39 198 29 следующие следующие PROPN issue-39 198 30 : : PUNCT issue-39 198 31 банк банк PROPN issue-39 198 32 регулятор регулятор PROPN issue-39 198 33 ( ( PUNCT issue-39 198 34 национальный национальный PROPN issue-39 198 35 банк банк PROPN issue-39 198 36 украины украины NOUN issue-39 198 37 ) ) PUNCT issue-39 198 38 должен должен PROPN issue-39 198 39 брать брать NUM issue-39 198 40 на на PROPN issue-39 198 41 себя себя PROPN issue-39 198 42 большую большую PROPN issue-39 198 43 ответственность ответственность PROPN issue-39 198 44 , , PUNCT issue-39 198 45 как как VERB issue-39 198 46 органа органа NOUN issue-39 198 47 последней последней NOUN issue-39 198 48 инстанции инстанции NOUN issue-39 198 49 при при NOUN issue-39 198 50 рефинансировании рефинансировании NOUN issue-39 198 51 того того NOUN issue-39 198 52 или или NOUN issue-39 198 53 иного иного ADJ issue-39 198 54 банка банка NOUN issue-39 198 55 ; ; PUNCT issue-39 198 56 на на PROPN issue-39 198 57 постоянной постоянной PROPN issue-39 198 58 основе основе PROPN issue-39 198 59 внедрить внедрить PROPN issue-39 198 60 проведения проведения PROPN issue-39 198 61 стресс стресс PROPN issue-39 198 62 - - ADJ issue-39 198 63 тестирования тестирования ADJ issue-39 198 64 для для PROPN issue-39 198 65 банков банков PROPN issue-39 198 66 украины украины VERB issue-39 198 67 ; ; PUNCT issue-39 198 68 стабилизировать стабилизировать NOUN issue-39 198 69 уровень уровень NOUN issue-39 198 70 инфляции инфляции VERB issue-39 198 71 и и PROPN issue-39 198 72 вернуть вернуть NOUN issue-39 198 73 доверие доверие NOUN issue-39 198 74 к к PROPN issue-39 198 75 национальной национальной PROPN issue-39 198 76 валюте валюте ADV issue-39 198 77 ; ; PUNCT issue-39 198 78 настроить настроить PROPN issue-39 198 79 механизм механизм PROPN issue-39 198 80 ипотечного ипотечного VERB issue-39 198 81 кредитования кредитования PROPN issue-39 198 82 государственными государственными PROPN issue-39 198 83 банками банками PROPN issue-39 198 84 . . PUNCT issue-39 199 1 значение значение PROPN issue-39 199 2 / / SYM issue-39 199 3 оригинальность оригинальность PROPN issue-39 199 4 . . PUNCT issue-39 200 1 полученные полученные ADJ issue-39 200 2 данные данные PROPN issue-39 200 3 в в PROPN issue-39 200 4 результате результате PROPN issue-39 200 5 основательных основательных PROPN issue-39 200 6 расчетов расчетов PROPN issue-39 200 7 позволили позволили PROPN issue-39 200 8 не не PROPN issue-39 200 9 только только PROPN issue-39 200 10 определить определить PROPN issue-39 200 11 проблемы проблемы PROPN issue-39 200 12 , , PUNCT issue-39 200 13 но но ADP issue-39 200 14 и и PROPN issue-39 200 15 выявить выявить NOUN issue-39 200 16 пути пути VERB issue-39 200 17 их их PROPN issue-39 200 18 решения решения NOUN issue-39 200 19 , , PUNCT issue-39 200 20 что что NOUN issue-39 200 21 даст даст NOUN issue-39 200 22 возможность возможность VERB issue-39 200 23 украинской украинской NOUN issue-39 200 24 банковской банковской VERB issue-39 200 25 системе системе NOUN issue-39 200 26 выйти выйти PROPN issue-39 200 27 на на PROPN issue-39 200 28 новый новый PROPN issue-39 200 29 этап этап PROPN issue-39 200 30 своего своего PROPN issue-39 200 31 развития развития NOUN issue-39 200 32 , , PUNCT issue-39 200 33 а а PROPN issue-39 200 34 кредитный кредитный NOUN issue-39 200 35 рынок рынок PROPN issue-39 200 36 сделать сделать PROPN issue-39 200 37 неотъемлемой неотъемлемой PROPN issue-39 200 38 источником источником ADJ issue-39 200 39 развития развития NOUN issue-39 200 40 экономики экономики NOUN issue-39 200 41 . . PUNCT