id	sid	tid	token	lemma	pos
issue-47	1	1	baltic	baltic	PROPN
issue-47	1	2	journal	journal	PROPN
issue-47	1	3	of	of	ADP
issue-47	1	4	economic	economic	ADJ
issue-47	1	5	studies	study	NOUN
issue-47	1	6	115	115	NUM
issue-47	1	7	vol	vol	NOUN
issue-47	1	8	.	.	PROPN
issue-47	2	1	1	1	NUM
issue-47	2	2	,	,	PUNCT
issue-47	2	3	no	no	INTJ
issue-47	2	4	.	.	NOUN
issue-47	2	5	2	2	NUM
issue-47	2	6	,	,	PUNCT
issue-47	2	7	2015	2015	NUM
issue-47	2	8	banking	banking	NOUN
issue-47	2	9	business	business	NOUN
issue-47	2	10	models	model	NOUN
issue-47	2	11	in	in	ADP
issue-47	2	12	ukrainian	ukrainian	ADJ
issue-47	2	13	banking	banking	NOUN
issue-47	2	14	system	system	NOUN
issue-47	2	15	yuliya	yuliya	PROPN
issue-47	2	16	onyshchenko1	onyshchenko1	PROPN
issue-47	2	17	,	,	PUNCT
issue-47	2	18	odessa	odessa	ADJ
issue-47	2	19	national	national	PROPN
issue-47	2	20	economic	economic	PROPN
issue-47	2	21	university	university	PROPN
issue-47	2	22	,	,	PUNCT
issue-47	2	23	ukraine	ukraine	PROPN
issue-47	2	24	abstract	abstract	NOUN
issue-47	2	25	.	.	PUNCT
issue-47	3	1	the	the	DET
issue-47	3	2	purpose	purpose	NOUN
issue-47	3	3	of	of	ADP
issue-47	3	4	the	the	DET
issue-47	3	5	paper	paper	NOUN
issue-47	3	6	is	be	AUX
issue-47	3	7	to	to	PART
issue-47	3	8	work	work	VERB
issue-47	3	9	out	out	ADP
issue-47	3	10	and	and	CCONJ
issue-47	3	11	characterize	characterize	VERB
issue-47	3	12	bank	bank	NOUN
issue-47	3	13	business	business	NOUN
issue-47	3	14	models	model	NOUN
issue-47	3	15	that	that	PRON
issue-47	3	16	are	be	AUX
issue-47	3	17	formed	form	VERB
issue-47	3	18	in	in	ADP
issue-47	3	19	ukraine	ukraine	NOUN
issue-47	3	20	.	.	PUNCT
issue-47	4	1	methodology	methodology	NOUN
issue-47	4	2	.	.	PUNCT
issue-47	5	1	our	our	PRON
issue-47	5	2	research	research	NOUN
issue-47	5	3	we	we	PRON
issue-47	5	4	will	will	AUX
issue-47	5	5	spend	spend	VERB
issue-47	5	6	among	among	ADP
issue-47	5	7	banks	bank	NOUN
issue-47	5	8	that	that	PRON
issue-47	5	9	are	be	AUX
issue-47	5	10	functioning	function	VERB
issue-47	5	11	on	on	ADP
issue-47	5	12	the	the	DET
issue-47	5	13	ukrainian	ukrainian	ADJ
issue-47	5	14	financial	financial	ADJ
issue-47	5	15	market	market	NOUN
issue-47	5	16	and	and	CCONJ
issue-47	5	17	are	be	AUX
issue-47	5	18	not	not	PART
issue-47	5	19	on	on	ADP
issue-47	5	20	the	the	DET
issue-47	5	21	stage	stage	NOUN
issue-47	5	22	of	of	ADP
issue-47	5	23	liquidation	liquidation	NOUN
issue-47	5	24	,	,	PUNCT
issue-47	5	25	so	so	CCONJ
issue-47	5	26	the	the	DET
issue-47	5	27	sample	sample	NOUN
issue-47	5	28	under	under	ADP
issue-47	5	29	study	study	NOUN
issue-47	5	30	in	in	ADP
issue-47	5	31	our	our	PRON
issue-47	5	32	work	work	NOUN
issue-47	5	33	is	be	AUX
issue-47	5	34	comprised	comprise	VERB
issue-47	5	35	of	of	ADP
issue-47	5	36	131	131	NUM
issue-47	5	37	banks	bank	NOUN
issue-47	5	38	which	which	PRON
issue-47	5	39	are	be	AUX
issue-47	5	40	different	different	ADJ
issue-47	5	41	in	in	ADP
issue-47	5	42	their	their	PRON
issue-47	5	43	ownership	ownership	NOUN
issue-47	5	44	structure	structure	NOUN
issue-47	5	45	and	and	CCONJ
issue-47	5	46	size	size	NOUN
issue-47	5	47	.	.	PUNCT
issue-47	6	1	the	the	DET
issue-47	6	2	core	core	NOUN
issue-47	6	3	of	of	ADP
issue-47	6	4	the	the	DET
issue-47	6	5	methodology	methodology	NOUN
issue-47	6	6	is	be	AUX
issue-47	6	7	a	a	DET
issue-47	6	8	statistical	statistical	ADJ
issue-47	6	9	clustering	clustering	ADJ
issue-47	6	10	algorithm	algorithm	NOUN
issue-47	6	11	that	that	PRON
issue-47	6	12	allows	allow	VERB
issue-47	6	13	identifying	identify	VERB
issue-47	6	14	the	the	DET
issue-47	6	15	groups	group	NOUN
issue-47	6	16	of	of	ADP
issue-47	6	17	banks	bank	NOUN
issue-47	6	18	(	(	PUNCT
issue-47	6	19	clusters	cluster	NOUN
issue-47	6	20	)	)	PUNCT
issue-47	6	21	with	with	ADP
issue-47	6	22	similar	similar	ADJ
issue-47	6	23	business	business	NOUN
issue-47	6	24	models	model	NOUN
issue-47	6	25	as	as	SCONJ
issue-47	6	26	banks	bank	NOUN
issue-47	6	27	with	with	ADP
issue-47	6	28	similar	similar	ADJ
issue-47	6	29	business	business	NOUN
issue-47	6	30	model	model	NOUN
issue-47	6	31	strategies	strategy	NOUN
issue-47	6	32	have	have	AUX
issue-47	6	33	made	make	VERB
issue-47	6	34	similar	similar	ADJ
issue-47	6	35	choices	choice	NOUN
issue-47	6	36	regarding	regard	VERB
issue-47	6	37	the	the	DET
issue-47	6	38	composition	composition	NOUN
issue-47	6	39	of	of	ADP
issue-47	6	40	their	their	PRON
issue-47	6	41	assets	asset	NOUN
issue-47	6	42	and	and	CCONJ
issue-47	6	43	liabilities	liability	NOUN
issue-47	6	44	.	.	PUNCT
issue-47	7	1	the	the	DET
issue-47	7	2	cluster	cluster	NOUN
issue-47	7	3	analyses	analysis	NOUN
issue-47	7	4	were	be	AUX
issue-47	7	5	taken	take	VERB
issue-47	7	6	on	on	ADP
issue-47	7	7	the	the	DET
issue-47	7	8	base	base	NOUN
issue-47	7	9	of	of	ADP
issue-47	7	10	seven	seven	NUM
issue-47	7	11	chosen	choose	VERB
issue-47	7	12	indicators	indicator	NOUN
issue-47	7	13	:	:	PUNCT
issue-47	7	14	bank	bank	NOUN
issue-47	7	15	loans	loan	NOUN
issue-47	7	16	,	,	PUNCT
issue-47	7	17	bank	bank	NOUN
issue-47	7	18	liabilities	liability	NOUN
issue-47	7	19	,	,	PUNCT
issue-47	7	20	enterprise	enterprise	NOUN
issue-47	7	21	loans	loan	NOUN
issue-47	7	22	,	,	PUNCT
issue-47	7	23	enterprise	enterprise	NOUN
issue-47	7	24	liabilities	liability	NOUN
issue-47	7	25	,	,	PUNCT
issue-47	7	26	household	household	NOUN
issue-47	7	27	loans	loan	NOUN
issue-47	7	28	,	,	PUNCT
issue-47	7	29	household	household	NOUN
issue-47	7	30	liabilities	liability	NOUN
issue-47	7	31	and	and	CCONJ
issue-47	7	32	trading	trading	NOUN
issue-47	7	33	assets	asset	NOUN
issue-47	7	34	.	.	PUNCT
issue-47	8	1	results	result	NOUN
issue-47	8	2	.	.	PUNCT
issue-47	9	1	the	the	DET
issue-47	9	2	traditional	traditional	ADJ
issue-47	9	3	business	business	NOUN
issue-47	9	4	model	model	NOUN
issue-47	9	5	of	of	ADP
issue-47	9	6	bank	bank	NOUN
issue-47	9	7	is	be	AUX
issue-47	9	8	worked	work	VERB
issue-47	9	9	out	out	ADP
issue-47	9	10	.	.	PUNCT
issue-47	10	1	the	the	DET
issue-47	10	2	bank	bank	NOUN
issue-47	10	3	business	business	NOUN
issue-47	10	4	models	model	NOUN
issue-47	10	5	that	that	PRON
issue-47	10	6	are	be	AUX
issue-47	10	7	functioning	function	VERB
issue-47	10	8	in	in	ADP
issue-47	10	9	ukraine	ukraine	NOUN
issue-47	10	10	are	be	AUX
issue-47	10	11	identified	identify	VERB
issue-47	10	12	on	on	ADP
issue-47	10	13	the	the	DET
issue-47	10	14	base	base	NOUN
issue-47	10	15	of	of	ADP
issue-47	10	16	cluster	cluster	NOUN
issue-47	10	17	analyses	analysis	NOUN
issue-47	10	18	using	use	VERB
issue-47	10	19	balance	balance	NOUN
issue-47	10	20	sheet	sheet	NOUN
issue-47	10	21	characteristics	characteristic	NOUN
issue-47	10	22	of	of	ADP
issue-47	10	23	131	131	NUM
issue-47	10	24	ukrainian	ukrainian	ADJ
issue-47	10	25	banks	bank	NOUN
issue-47	10	26	.	.	PUNCT
issue-47	11	1	we	we	PRON
issue-47	11	2	find	find	VERB
issue-47	11	3	that	that	SCONJ
issue-47	11	4	in	in	ADP
issue-47	11	5	ukraine	ukraine	NOUN
issue-47	11	6	were	be	AUX
issue-47	11	7	formed	form	VERB
issue-47	11	8	three	three	NUM
issue-47	11	9	types	type	NOUN
issue-47	11	10	of	of	ADP
issue-47	11	11	bank	bank	NOUN
issue-47	11	12	business	business	NOUN
issue-47	11	13	models	model	NOUN
issue-47	11	14	:	:	PUNCT
issue-47	11	15	“	"	PUNCT
issue-47	11	16	focused	focused	ADJ
issue-47	11	17	retail	retail	NOUN
issue-47	11	18	”	"	PUNCT
issue-47	11	19	,	,	PUNCT
issue-47	11	20	“	"	PUNCT
issue-47	11	21	diversified	diversified	ADJ
issue-47	11	22	retail	retail	NOUN
issue-47	11	23	”	"	PUNCT
issue-47	11	24	and	and	CCONJ
issue-47	11	25	“	"	PUNCT
issue-47	11	26	corporative	corporative	ADJ
issue-47	11	27	retail	retail	NOUN
issue-47	11	28	”	"	PUNCT
issue-47	11	29	.	.	PUNCT
issue-47	12	1	the	the	DET
issue-47	12	2	description	description	NOUN
issue-47	12	3	of	of	ADP
issue-47	12	4	each	each	DET
issue-47	12	5	model	model	NOUN
issue-47	12	6	is	be	AUX
issue-47	12	7	given	give	VERB
issue-47	12	8	.	.	PUNCT
issue-47	13	1	practical	practical	ADJ
issue-47	13	2	implications	implication	NOUN
issue-47	13	3	.	.	PUNCT
issue-47	14	1	more	more	ADV
issue-47	14	2	detailed	detailed	ADJ
issue-47	14	3	research	research	NOUN
issue-47	14	4	of	of	ADP
issue-47	14	5	distinguished	distinguished	ADJ
issue-47	14	6	models	model	NOUN
issue-47	14	7	allows	allow	VERB
issue-47	14	8	not	not	PART
issue-47	14	9	only	only	ADV
issue-47	14	10	to	to	PART
issue-47	14	11	find	find	VERB
issue-47	14	12	out	out	ADP
issue-47	14	13	the	the	DET
issue-47	14	14	main	main	ADJ
issue-47	14	15	advantages	advantage	NOUN
issue-47	14	16	and	and	CCONJ
issue-47	14	17	disadvantages	disadvantage	NOUN
issue-47	14	18	of	of	ADP
issue-47	14	19	each	each	DET
issue-47	14	20	bank	bank	NOUN
issue-47	14	21	model	model	NOUN
issue-47	14	22	,	,	PUNCT
issue-47	14	23	but	but	CCONJ
issue-47	14	24	also	also	ADV
issue-47	14	25	the	the	DET
issue-47	14	26	main	main	ADJ
issue-47	14	27	problems	problem	NOUN
issue-47	14	28	that	that	PRON
issue-47	14	29	follow	follow	VERB
issue-47	14	30	the	the	DET
issue-47	14	31	development	development	NOUN
issue-47	14	32	of	of	ADP
issue-47	14	33	ukrainian	ukrainian	ADJ
issue-47	14	34	banking	banking	NOUN
issue-47	14	35	sector	sector	NOUN
issue-47	14	36	.	.	PUNCT
issue-47	15	1	identifying	identify	VERB
issue-47	15	2	of	of	ADP
issue-47	15	3	bank	bank	NOUN
issue-47	15	4	models	model	NOUN
issue-47	15	5	and	and	CCONJ
issue-47	15	6	their	their	PRON
issue-47	15	7	studying	study	VERB
issue-47	15	8	simplifies	simplifie	NOUN
issue-47	15	9	searching	search	VERB
issue-47	15	10	and	and	CCONJ
issue-47	15	11	elaboration	elaboration	NOUN
issue-47	15	12	of	of	ADP
issue-47	15	13	regulatory	regulatory	ADJ
issue-47	15	14	instruments	instrument	NOUN
issue-47	15	15	as	as	SCONJ
issue-47	15	16	there	there	PRON
issue-47	15	17	is	be	VERB
issue-47	15	18	a	a	DET
issue-47	15	19	two	two	NUM
issue-47	15	20	-	-	PUNCT
issue-47	15	21	way	way	NOUN
issue-47	15	22	causation	causation	NOUN
issue-47	15	23	between	between	ADP
issue-47	15	24	regulation	regulation	NOUN
issue-47	15	25	and	and	CCONJ
issue-47	15	26	bank	bank	NOUN
issue-47	15	27	business	business	NOUN
issue-47	15	28	models	model	NOUN
issue-47	15	29	.	.	PUNCT
issue-47	16	1	this	this	PRON
issue-47	16	2	implies	imply	VERB
issue-47	16	3	a	a	DET
issue-47	16	4	symbiotic	symbiotic	ADJ
issue-47	16	5	relationship	relationship	NOUN
issue-47	16	6	between	between	ADP
issue-47	16	7	regulation	regulation	NOUN
issue-47	16	8	and	and	CCONJ
issue-47	16	9	bank	bank	NOUN
issue-47	16	10	business	business	NOUN
issue-47	16	11	models	model	NOUN
issue-47	16	12	:	:	PUNCT
issue-47	16	13	business	business	NOUN
issue-47	16	14	models	model	NOUN
issue-47	16	15	respond	respond	VERB
issue-47	16	16	to	to	ADP
issue-47	16	17	regulation	regulation	NOUN
issue-47	16	18	which	which	PRON
issue-47	16	19	in	in	ADP
issue-47	16	20	turn	turn	NOUN
issue-47	16	21	responds	respond	VERB
issue-47	16	22	to	to	ADP
issue-47	16	23	the	the	DET
issue-47	16	24	evolution	evolution	NOUN
issue-47	16	25	of	of	ADP
issue-47	16	26	new	new	ADJ
issue-47	16	27	business	business	NOUN
issue-47	16	28	models	model	NOUN
issue-47	16	29	.	.	PUNCT
issue-47	17	1	value	value	NOUN
issue-47	17	2	/	/	SYM
issue-47	17	3	originality	originality	NOUN
issue-47	17	4	.	.	PUNCT
issue-47	18	1	such	such	ADJ
issue-47	18	2	survey	survey	NOUN
issue-47	18	3	is	be	AUX
issue-47	18	4	conducted	conduct	VERB
issue-47	18	5	at	at	ADP
issue-47	18	6	the	the	DET
issue-47	18	7	first	first	ADJ
issue-47	18	8	time	time	NOUN
issue-47	18	9	among	among	ADP
issue-47	18	10	ukrainian	ukrainian	ADJ
issue-47	18	11	banks	bank	NOUN
issue-47	18	12	.	.	PUNCT
issue-47	19	1	the	the	DET
issue-47	19	2	main	main	ADJ
issue-47	19	3	differences	difference	NOUN
issue-47	19	4	which	which	PRON
issue-47	19	5	are	be	AUX
issue-47	19	6	between	between	ADP
issue-47	19	7	european	european	ADJ
issue-47	19	8	and	and	CCONJ
issue-47	19	9	ukrainian	ukrainian	ADJ
issue-47	19	10	bank	bank	NOUN
issue-47	19	11	business	business	NOUN
issue-47	19	12	models	model	NOUN
issue-47	19	13	are	be	AUX
issue-47	19	14	marked	mark	VERB
issue-47	19	15	out	out	ADP
issue-47	19	16	.	.	PUNCT
issue-47	20	1	recommendations	recommendation	NOUN
issue-47	20	2	concerning	concern	VERB
issue-47	20	3	improving	improve	VERB
issue-47	20	4	of	of	ADP
issue-47	20	5	bank	bank	NOUN
issue-47	20	6	business	business	NOUN
issue-47	20	7	models	model	NOUN
issue-47	20	8	in	in	ADP
issue-47	20	9	ukraine	ukraine	NOUN
issue-47	20	10	are	be	AUX
issue-47	20	11	given	give	VERB
issue-47	20	12	.	.	PUNCT
issue-47	21	1	key	key	ADJ
issue-47	21	2	words	word	NOUN
issue-47	21	3	:	:	PUNCT
issue-47	21	4	bank	bank	NOUN
issue-47	21	5	,	,	PUNCT
issue-47	21	6	bank	bank	NOUN
issue-47	21	7	business	business	NOUN
issue-47	21	8	models	model	NOUN
issue-47	21	9	,	,	PUNCT
issue-47	21	10	traditional	traditional	ADJ
issue-47	21	11	bank	bank	NOUN
issue-47	21	12	business	business	NOUN
issue-47	21	13	model	model	NOUN
issue-47	21	14	,	,	PUNCT
issue-47	21	15	banking	banking	NOUN
issue-47	21	16	activity	activity	NOUN
issue-47	21	17	,	,	PUNCT
issue-47	21	18	central	central	ADJ
issue-47	21	19	bank	bank	NOUN
issue-47	21	20	,	,	PUNCT
issue-47	21	21	financial	financial	ADJ
issue-47	21	22	regulation	regulation	NOUN
issue-47	21	23	.	.	PUNCT
issue-47	22	1	jel	jel	PROPN
issue-47	22	2	classification	classification	NOUN
issue-47	22	3	:	:	PUNCT
issue-47	22	4	g20	g20	NOUN
issue-47	22	5	,	,	PUNCT
issue-47	22	6	g21	g21	PROPN
issue-47	22	7	,	,	PUNCT
issue-47	22	8	l21	l21	PROPN
issue-47	22	9	,	,	PUNCT
issue-47	22	10	l25	l25	NOUN
issue-47	22	11	1	1	NUM
issue-47	22	12	.	.	PUNCT
issue-47	22	13	introduction	introduction	NOUN
issue-47	22	14	today	today	NOUN
issue-47	22	15	,	,	PUNCT
issue-47	22	16	ukrainian	ukrainian	ADJ
issue-47	22	17	banking	banking	NOUN
issue-47	22	18	system	system	NOUN
issue-47	22	19	is	be	AUX
issue-47	22	20	on	on	ADP
issue-47	22	21	the	the	DET
issue-47	22	22	new	new	ADJ
issue-47	22	23	stage	stage	NOUN
issue-47	22	24	of	of	ADP
issue-47	22	25	its	its	PRON
issue-47	22	26	development	development	NOUN
issue-47	22	27	that	that	PRON
issue-47	22	28	is	be	AUX
issue-47	22	29	connected	connect	VERB
issue-47	22	30	with	with	ADP
issue-47	22	31	overcoming	overcoming	NOUN
issue-47	22	32	of	of	ADP
issue-47	22	33	negative	negative	ADJ
issue-47	22	34	influence	influence	NOUN
issue-47	22	35	of	of	ADP
issue-47	22	36	the	the	DET
issue-47	22	37	world	world	NOUN
issue-47	22	38	financial	financial	ADJ
issue-47	22	39	crises	crisis	NOUN
issue-47	22	40	and	and	CCONJ
issue-47	22	41	reforming	reform	VERB
issue-47	22	42	of	of	ADP
issue-47	22	43	banking	banking	NOUN
issue-47	22	44	sector	sector	NOUN
issue-47	22	45	with	with	ADP
issue-47	22	46	the	the	DET
issue-47	22	47	aim	aim	NOUN
issue-47	22	48	of	of	ADP
issue-47	22	49	providing	provide	VERB
issue-47	22	50	stable	stable	ADJ
issue-47	22	51	and	and	CCONJ
issue-47	22	52	effective	effective	ADJ
issue-47	22	53	banking	banking	NOUN
issue-47	22	54	activity	activity	NOUN
issue-47	22	55	in	in	ADP
issue-47	22	56	ukraine	ukraine	NOUN
issue-47	22	57	.	.	PUNCT
issue-47	23	1	this	this	DET
issue-47	23	2	process	process	NOUN
issue-47	23	3	is	be	AUX
issue-47	23	4	complicated	complicate	VERB
issue-47	23	5	with	with	ADP
issue-47	23	6	instable	instable	ADJ
issue-47	23	7	internal	internal	ADJ
issue-47	23	8	political	political	ADJ
issue-47	23	9	and	and	CCONJ
issue-47	23	10	economic	economic	ADJ
issue-47	23	11	environment	environment	NOUN
issue-47	23	12	.	.	PUNCT
issue-47	24	1	but	but	CCONJ
issue-47	24	2	successful	successful	ADJ
issue-47	24	3	banking	banking	NOUN
issue-47	24	4	sector	sector	NOUN
issue-47	24	5	reforming	reform	VERB
issue-47	24	6	depends	depend	VERB
issue-47	24	7	on	on	ADP
issue-47	24	8	the	the	DET
issue-47	24	9	accounting	accounting	NOUN
issue-47	24	10	of	of	ADP
issue-47	24	11	all	all	PRON
issue-47	24	12	its	its	PRON
issue-47	24	13	features	feature	NOUN
issue-47	24	14	such	such	ADJ
issue-47	24	15	as	as	ADP
issue-47	24	16	the	the	DET
issue-47	24	17	structural	structural	ADJ
issue-47	24	18	evolution	evolution	NOUN
issue-47	24	19	of	of	ADP
issue-47	24	20	the	the	DET
issue-47	24	21	financial	financial	ADJ
issue-47	24	22	system	system	NOUN
issue-47	24	23	and	and	CCONJ
issue-47	24	24	financial	financial	ADJ
issue-47	24	25	markets	market	NOUN
issue-47	24	26	;	;	PUNCT
issue-47	24	27	the	the	DET
issue-47	24	28	macroeconomic	macroeconomic	ADJ
issue-47	24	29	environment	environment	NOUN
issue-47	24	30	in	in	ADP
issue-47	24	31	which	which	PRON
issue-47	24	32	banks	bank	NOUN
issue-47	24	33	and	and	CCONJ
issue-47	24	34	their	their	PRON
issue-47	24	35	customers	customer	NOUN
issue-47	24	36	operate	operate	VERB
issue-47	24	37	;	;	PUNCT
issue-47	24	38	the	the	DET
issue-47	24	39	decisive	decisive	ADJ
issue-47	24	40	impact	impact	NOUN
issue-47	24	41	of	of	ADP
issue-47	24	42	eu	eu	PROPN
issue-47	24	43	and	and	CCONJ
issue-47	24	44	national	national	ADJ
issue-47	24	45	regulation	regulation	NOUN
issue-47	24	46	;	;	PUNCT
issue-47	24	47	the	the	DET
issue-47	24	48	competitive	competitive	ADJ
issue-47	24	49	environment	environment	NOUN
issue-47	24	50	in	in	ADP
issue-47	24	51	banking	banking	NOUN
issue-47	24	52	markets	market	NOUN
issue-47	24	53	;	;	PUNCT
issue-47	24	54	the	the	DET
issue-47	24	55	existing	exist	VERB
issue-47	24	56	banking	banking	NOUN
issue-47	24	57	business	business	NOUN
issue-47	24	58	models	model	NOUN
issue-47	24	59	.	.	PUNCT
issue-47	25	1	the	the	DET
issue-47	25	2	defining	defining	NOUN
issue-47	25	3	of	of	ADP
issue-47	25	4	banking	banking	NOUN
issue-47	25	5	business	business	NOUN
issue-47	25	6	models	model	NOUN
issue-47	25	7	contributes	contribute	VERB
issue-47	25	8	to	to	ADP
issue-47	25	9	a	a	DET
issue-47	25	10	better	well	ADJ
issue-47	25	11	understanding	understanding	NOUN
issue-47	25	12	of	of	ADP
issue-47	25	13	financial	financial	ADJ
issue-47	25	14	and	and	CCONJ
issue-47	25	15	economic	economic	ADJ
issue-47	25	16	performance	performance	NOUN
issue-47	25	17	,	,	PUNCT
issue-47	25	18	risk	risk	NOUN
issue-47	25	19	behavior	behavior	NOUN
issue-47	25	20	,	,	PUNCT
issue-47	25	21	and	and	CCONJ
issue-47	25	22	governance	governance	NOUN
issue-47	25	23	at	at	ADP
issue-47	25	24	a	a	DET
issue-47	25	25	system	system	NOUN
issue-47	25	26	level	level	NOUN
issue-47	25	27	.	.	PUNCT
issue-47	26	1	it	it	PRON
issue-47	26	2	also	also	ADV
issue-47	26	3	serves	serve	VERB
issue-47	26	4	to	to	PART
issue-47	26	5	monitor	monitor	VERB
issue-47	26	6	banks	bank	NOUN
issue-47	26	7	’	'	PUNCT
issue-47	26	8	behaviors	behavior	NOUN
issue-47	26	9	and	and	CCONJ
issue-47	26	10	their	their	PRON
issue-47	26	11	contribution	contribution	NOUN
issue-47	26	12	to	to	ADP
issue-47	26	13	systemic	systemic	ADJ
issue-47	26	14	risk	risk	NOUN
issue-47	26	15	,	,	PUNCT
issue-47	26	16	which	which	PRON
issue-47	26	17	can	can	AUX
issue-47	26	18	be	be	AUX
issue-47	26	19	useful	useful	ADJ
issue-47	26	20	for	for	ADP
issue-47	26	21	its	its	PRON
issue-47	26	22	regulation	regulation	NOUN
issue-47	26	23	.	.	PUNCT
issue-47	27	1	the	the	DET
issue-47	27	2	current	current	ADJ
issue-47	27	3	paper	paper	NOUN
issue-47	27	4	aims	aim	VERB
issue-47	27	5	to	to	PART
issue-47	27	6	identify	identify	VERB
issue-47	27	7	business	business	NOUN
issue-47	27	8	models	model	NOUN
issue-47	27	9	of	of	ADP
issue-47	27	10	ukrainian	ukrainian	ADJ
issue-47	27	11	banks	bank	NOUN
issue-47	27	12	.	.	PUNCT
issue-47	28	1	the	the	DET
issue-47	28	2	article	article	NOUN
issue-47	28	3	is	be	AUX
issue-47	28	4	organized	organize	VERB
issue-47	28	5	in	in	ADP
issue-47	28	6	five	five	NUM
issue-47	28	7	sections	section	NOUN
issue-47	28	8	.	.	PUNCT
issue-47	29	1	in	in	ADP
issue-47	29	2	the	the	DET
issue-47	29	3	second	second	ADJ
issue-47	29	4	section	section	NOUN
issue-47	29	5	,	,	PUNCT
issue-47	29	6	we	we	PRON
issue-47	29	7	characterize	characterize	VERB
issue-47	29	8	the	the	DET
issue-47	29	9	traditional	traditional	ADJ
issue-47	29	10	banking	banking	NOUN
issue-47	29	11	business	business	NOUN
issue-47	29	12	model	model	NOUN
issue-47	29	13	.	.	PUNCT
issue-47	30	1	in	in	ADP
issue-47	30	2	the	the	DET
issue-47	30	3	third	third	ADJ
issue-47	30	4	section	section	NOUN
issue-47	30	5	,	,	PUNCT
issue-47	30	6	we	we	PRON
issue-47	30	7	work	work	VERB
issue-47	30	8	out	out	ADP
issue-47	30	9	the	the	DET
issue-47	30	10	system	system	NOUN
issue-47	30	11	of	of	ADP
issue-47	30	12	indicators	indicator	NOUN
issue-47	30	13	which	which	PRON
issue-47	30	14	lets	let	VERB
issue-47	30	15	us	we	PRON
issue-47	30	16	to	to	PART
issue-47	30	17	classify	classify	VERB
issue-47	30	18	banks	bank	NOUN
issue-47	30	19	.	.	PUNCT
issue-47	31	1	in	in	ADP
issue-47	31	2	the	the	DET
issue-47	31	3	fourth	fourth	ADJ
issue-47	31	4	section	section	NOUN
issue-47	31	5	,	,	PUNCT
issue-47	31	6	we	we	PRON
issue-47	31	7	form	form	VERB
issue-47	31	8	clusters	cluster	NOUN
issue-47	31	9	of	of	ADP
issue-47	31	10	banks	bank	NOUN
issue-47	31	11	and	and	CCONJ
issue-47	31	12	characterize	characterize	VERB
issue-47	31	13	them	they	PRON
issue-47	31	14	defying	defy	VERB
issue-47	31	15	business	business	NOUN
issue-47	31	16	models	model	NOUN
issue-47	31	17	and	and	CCONJ
issue-47	31	18	highlighting	highlight	VERB
issue-47	31	19	systematic	systematic	ADJ
issue-47	31	20	differences	difference	NOUN
issue-47	31	21	in	in	ADP
issue-47	31	22	the	the	DET
issue-47	31	23	performance	performance	NOUN
issue-47	31	24	of	of	ADP
issue-47	31	25	banks	bank	NOUN
issue-47	31	26	in	in	ADP
issue-47	31	27	different	different	ADJ
issue-47	31	28	groups	group	NOUN
issue-47	31	29	.	.	PUNCT
issue-47	32	1	in	in	ADP
issue-47	32	2	the	the	DET
issue-47	32	3	last	last	ADJ
issue-47	32	4	section	section	NOUN
issue-47	32	5	,	,	PUNCT
issue-47	32	6	we	we	PRON
issue-47	32	7	look	look	VERB
issue-47	32	8	into	into	ADP
issue-47	32	9	differences	difference	NOUN
issue-47	32	10	between	between	ADP
issue-47	32	11	bank	bank	NOUN
issue-47	32	12	business	business	NOUN
issue-47	32	13	models	model	NOUN
issue-47	32	14	that	that	PRON
issue-47	32	15	are	be	AUX
issue-47	32	16	formed	form	VERB
issue-47	32	17	in	in	ADP
issue-47	32	18	europe	europe	PROPN
issue-47	32	19	and	and	CCONJ
issue-47	32	20	ukraine	ukraine	NOUN
issue-47	32	21	.	.	PUNCT
issue-47	33	1	2	2	X
issue-47	33	2	.	.	X
issue-47	33	3	traditional	traditional	ADJ
issue-47	33	4	banking	banking	NOUN
issue-47	33	5	model	model	NOUN
issue-47	33	6	banks	bank	NOUN
issue-47	33	7	according	accord	VERB
issue-47	33	8	to	to	ADP
issue-47	33	9	their	their	PRON
issue-47	33	10	market	market	NOUN
issue-47	33	11	strategy	strategy	NOUN
issue-47	33	12	and	and	CCONJ
issue-47	33	13	balance	balance	NOUN
issue-47	33	14	sheet	sheet	NOUN
issue-47	33	15	structure	structure	NOUN
issue-47	33	16	choose	choose	VERB
issue-47	33	17	to	to	PART
issue-47	33	18	be	be	AUX
issue-47	33	19	different	different	ADJ
issue-47	33	20	from	from	ADP
issue-47	33	21	one	one	NUM
issue-47	33	22	another	another	DET
issue-47	33	23	.	.	PUNCT
issue-47	34	1	in	in	ADP
issue-47	34	2	a	a	DET
issue-47	34	3	competitive	competitive	ADJ
issue-47	34	4	pursuit	pursuit	NOUN
issue-47	34	5	of	of	ADP
issue-47	34	6	growth	growth	NOUN
issue-47	34	7	opportunities	opportunity	NOUN
issue-47	34	8	,	,	PUNCT
issue-47	34	9	banks	bank	NOUN
issue-47	34	10	choose	choose	VERB
issue-47	34	11	a	a	DET
issue-47	34	12	business	business	NOUN
issue-47	34	13	model	model	NOUN
issue-47	34	14	to	to	PART
issue-47	34	15	leverage	leverage	VERB
issue-47	34	16	the	the	DET
issue-47	34	17	strengths	strength	NOUN
issue-47	34	18	of	of	ADP
issue-47	34	19	their	their	PRON
issue-47	34	20	organization	organization	NOUN
issue-47	34	21	.	.	PUNCT
issue-47	35	1	so	so	ADV
issue-47	35	2	bank	bank	NOUN
issue-47	35	3	business	business	NOUN
issue-47	35	4	models	model	NOUN
issue-47	35	5	are	be	AUX
issue-47	35	6	not	not	PART
issue-47	35	7	static	static	ADJ
issue-47	35	8	and	and	CCONJ
issue-47	35	9	evolve	evolve	VERB
issue-47	35	10	over	over	ADP
issue-47	35	11	time	time	NOUN
issue-47	35	12	and	and	CCONJ
issue-47	35	13	under	under	ADP
issue-47	35	14	the	the	DET
issue-47	35	15	influence	influence	NOUN
issue-47	35	16	of	of	ADP
issue-47	35	17	financial	financial	ADJ
issue-47	35	18	market	market	NOUN
issue-47	35	19	development	development	NOUN
issue-47	35	20	.	.	PUNCT
issue-47	36	1	corresponding	correspond	VERB
issue-47	36	2	author	author	NOUN
issue-47	36	3	:	:	PUNCT
issue-47	36	4	1	1	NUM
issue-47	36	5	department	department	NOUN
issue-47	36	6	of	of	ADP
issue-47	36	7	banking	banking	NOUN
issue-47	36	8	,	,	PUNCT
issue-47	36	9	odessa	odessa	PROPN
issue-47	36	10	national	national	PROPN
issue-47	36	11	economic	economic	PROPN
issue-47	36	12	university	university	NOUN
issue-47	36	13	.	.	PUNCT
issue-47	37	1	e	e	X
issue-47	37	2	-	-	NOUN
issue-47	37	3	mail	mail	NOUN
issue-47	37	4	:	:	PUNCT
issue-47	37	5	yulia_pere@rambler.ru	yulia_pere@rambler.ru	VERB
issue-47	37	6	baltic	baltic	PROPN
issue-47	37	7	journal	journal	PROPN
issue-47	37	8	of	of	ADP
issue-47	37	9	economic	economic	ADJ
issue-47	37	10	studies	study	NOUN
issue-47	37	11	116	116	NUM
issue-47	37	12	vol	vol	NOUN
issue-47	37	13	.	.	PROPN
issue-47	38	1	1	1	NUM
issue-47	38	2	,	,	PUNCT
issue-47	38	3	no	no	INTJ
issue-47	38	4	.	.	NOUN
issue-47	38	5	2	2	NUM
issue-47	38	6	,	,	PUNCT
issue-47	38	7	2015	2015	NUM
issue-47	38	8	before	before	ADP
issue-47	38	9	finding	find	VERB
issue-47	38	10	out	out	ADP
issue-47	38	11	the	the	DET
issue-47	38	12	main	main	ADJ
issue-47	38	13	banking	banking	NOUN
issue-47	38	14	models	model	NOUN
issue-47	38	15	that	that	PRON
issue-47	38	16	are	be	AUX
issue-47	38	17	formed	form	VERB
issue-47	38	18	in	in	ADP
issue-47	38	19	ukrainian	ukrainian	ADJ
issue-47	38	20	banking	banking	NOUN
issue-47	38	21	system	system	NOUN
issue-47	38	22	it	it	PRON
issue-47	38	23	is	be	AUX
issue-47	38	24	natural	natural	ADJ
issue-47	38	25	to	to	PART
issue-47	38	26	begin	begin	VERB
issue-47	38	27	with	with	ADP
issue-47	38	28	a	a	DET
issue-47	38	29	review	review	NOUN
issue-47	38	30	of	of	ADP
issue-47	38	31	the	the	DET
issue-47	38	32	traditional	traditional	ADJ
issue-47	38	33	model	model	NOUN
issue-47	38	34	of	of	ADP
issue-47	38	35	the	the	DET
issue-47	38	36	banking	banking	NOUN
issue-47	38	37	firm	firm	NOUN
issue-47	38	38	that	that	PRON
issue-47	38	39	was	be	AUX
issue-47	38	40	the	the	DET
issue-47	38	41	dominant	dominant	ADJ
issue-47	38	42	model	model	NOUN
issue-47	38	43	for	for	ADP
issue-47	38	44	decades	decade	NOUN
issue-47	38	45	and	and	CCONJ
issue-47	38	46	formed	form	VERB
issue-47	38	47	the	the	DET
issue-47	38	48	basis	basis	NOUN
issue-47	38	49	of	of	ADP
issue-47	38	50	standard	standard	ADJ
issue-47	38	51	text	text	NOUN
issue-47	38	52	-	-	PUNCT
issue-47	38	53	book	book	NOUN
issue-47	38	54	analyses	analysis	NOUN
issue-47	38	55	of	of	ADP
issue-47	38	56	the	the	DET
issue-47	38	57	banking	banking	NOUN
issue-47	38	58	firm	firm	NOUN
issue-47	38	59	(	(	PUNCT
issue-47	38	60	see	see	VERB
issue-47	38	61	llewellyn	llewellyn	NOUN
issue-47	38	62	,	,	PUNCT
issue-47	38	63	1999	1999	NUM
issue-47	38	64	)	)	PUNCT
issue-47	38	65	.	.	PUNCT
issue-47	39	1	in	in	ADP
issue-47	39	2	this	this	DET
issue-47	39	3	traditional	traditional	ADJ
issue-47	39	4	model	model	NOUN
issue-47	39	5	,	,	PUNCT
issue-47	39	6	financial	financial	ADJ
issue-47	39	7	intermediation	intermediation	NOUN
issue-47	39	8	is	be	AUX
issue-47	39	9	the	the	DET
issue-47	39	10	dominant	dominant	ADJ
issue-47	39	11	business	business	NOUN
issue-47	39	12	of	of	ADP
issue-47	39	13	banks	bank	NOUN
issue-47	39	14	which	which	PRON
issue-47	39	15	lies	lie	VERB
issue-47	39	16	in	in	ADP
issue-47	39	17	accepting	accept	VERB
issue-47	39	18	deposits	deposit	NOUN
issue-47	39	19	and	and	CCONJ
issue-47	39	20	utilizing	utilize	VERB
issue-47	39	21	their	their	PRON
issue-47	39	22	comparative	comparative	ADJ
issue-47	39	23	advantages	advantage	NOUN
issue-47	39	24	to	to	PART
issue-47	39	25	transform	transform	VERB
issue-47	39	26	deposits	deposit	NOUN
issue-47	39	27	into	into	ADP
issue-47	39	28	loans	loan	NOUN
issue-47	39	29	.	.	PUNCT
issue-47	40	1	a	a	DET
issue-47	40	2	bank	bank	NOUN
issue-47	40	3	is	be	AUX
issue-47	40	4	“	"	PUNCT
issue-47	40	5	an	an	DET
issue-47	40	6	institution	institution	NOUN
issue-47	40	7	whose	whose	DET
issue-47	40	8	current	current	ADJ
issue-47	40	9	operations	operation	NOUN
issue-47	40	10	consist	consist	VERB
issue-47	40	11	in	in	ADP
issue-47	40	12	granting	grant	VERB
issue-47	40	13	loans	loan	NOUN
issue-47	40	14	and	and	CCONJ
issue-47	40	15	receiving	receive	VERB
issue-47	40	16	deposits	deposit	NOUN
issue-47	40	17	from	from	ADP
issue-47	40	18	the	the	DET
issue-47	40	19	public	public	NOUN
issue-47	40	20	”	"	PUNCT
issue-47	40	21	(	(	PUNCT
issue-47	40	22	x.	x.	NOUN
issue-47	40	23	freixas	freixas	PROPN
issue-47	40	24	and	and	CCONJ
issue-47	40	25	j.	j.	PROPN
issue-47	40	26	c.	c.	PROPN
issue-47	40	27	rochet	rochet	PROPN
issue-47	40	28	,	,	PUNCT
issue-47	40	29	1997	1997	NUM
issue-47	40	30	)	)	PUNCT
issue-47	41	1	this	this	DET
issue-47	41	2	definition	definition	NOUN
issue-47	41	3	underlines	underline	VERB
issue-47	41	4	that	that	SCONJ
issue-47	41	5	the	the	DET
issue-47	41	6	bank	bank	NOUN
issue-47	41	7	main	main	ADJ
issue-47	41	8	activity	activity	NOUN
issue-47	41	9	is	be	AUX
issue-47	41	10	acceptance	acceptance	NOUN
issue-47	41	11	of	of	ADP
issue-47	41	12	deposits	deposit	NOUN
issue-47	41	13	and	and	CCONJ
issue-47	41	14	offering	offering	NOUN
issue-47	41	15	of	of	ADP
issue-47	41	16	loans	loan	NOUN
issue-47	41	17	,	,	PUNCT
issue-47	41	18	which	which	PRON
issue-47	41	19	distinguishes	distinguish	VERB
issue-47	41	20	them	they	PRON
issue-47	41	21	from	from	ADP
issue-47	41	22	other	other	ADJ
issue-47	41	23	financial	financial	ADJ
issue-47	41	24	intermediaries	intermediary	NOUN
issue-47	41	25	.	.	PUNCT
issue-47	42	1	however	however	ADV
issue-47	42	2	,	,	PUNCT
issue-47	42	3	banks	bank	NOUN
issue-47	42	4	typically	typically	ADV
issue-47	42	5	conduct	conduct	VERB
issue-47	42	6	a	a	DET
issue-47	42	7	broader	broad	ADJ
issue-47	42	8	range	range	NOUN
issue-47	42	9	of	of	ADP
issue-47	42	10	activities	activity	NOUN
issue-47	42	11	,	,	PUNCT
issue-47	42	12	which	which	PRON
issue-47	42	13	can	can	AUX
issue-47	42	14	be	be	AUX
issue-47	42	15	subsumed	subsume	VERB
issue-47	42	16	under	under	ADP
issue-47	42	17	the	the	DET
issue-47	42	18	following	follow	VERB
issue-47	42	19	three	three	NUM
issue-47	42	20	functions	function	NOUN
issue-47	42	21	(	(	PUNCT
issue-47	42	22	x.	x.	NOUN
issue-47	42	23	freixas	freixas	PROPN
issue-47	42	24	and	and	CCONJ
issue-47	42	25	j.	j.	PROPN
issue-47	42	26	c.	c.	PROPN
issue-47	42	27	rochet	rochet	PROPN
issue-47	42	28	,	,	PUNCT
issue-47	42	29	1997	1997	NUM
issue-47	42	30	):	):	PUNCT
issue-47	42	31	banks	bank	NOUN
issue-47	42	32	provide	provide	VERB
issue-47	42	33	the	the	DET
issue-47	42	34	public	public	NOUN
issue-47	42	35	with	with	ADP
issue-47	42	36	liquidity	liquidity	NOUN
issue-47	42	37	(	(	PUNCT
issue-47	42	38	money	money	NOUN
issue-47	42	39	)	)	PUNCT
issue-47	42	40	and	and	CCONJ
issue-47	42	41	payment	payment	NOUN
issue-47	42	42	services	service	NOUN
issue-47	42	43	through	through	ADP
issue-47	42	44	their	their	PRON
issue-47	42	45	deposit	deposit	NOUN
issue-47	42	46	-	-	PUNCT
issue-47	42	47	taking	take	VERB
issue-47	42	48	business	business	NOUN
issue-47	42	49	;	;	PUNCT
issue-47	42	50	banks	bank	NOUN
issue-47	42	51	transform	transform	VERB
issue-47	42	52	assets	asset	NOUN
issue-47	42	53	in	in	ADP
issue-47	42	54	terms	term	NOUN
issue-47	42	55	of	of	ADP
issue-47	42	56	denomination	denomination	NOUN
issue-47	42	57	,	,	PUNCT
issue-47	42	58	quality	quality	NOUN
issue-47	42	59	and	and	CCONJ
issue-47	42	60	maturity	maturity	NOUN
issue-47	42	61	,	,	PUNCT
issue-47	42	62	as	as	ADV
issue-47	42	63	well	well	ADV
issue-47	42	64	as	as	ADP
issue-47	42	65	manage	manage	VERB
issue-47	42	66	the	the	DET
issue-47	42	67	associated	associated	ADJ
issue-47	42	68	risks	risk	NOUN
issue-47	42	69	;	;	PUNCT
issue-47	42	70	banks	bank	NOUN
issue-47	42	71	process	process	VERB
issue-47	42	72	information	information	NOUN
issue-47	42	73	and	and	CCONJ
issue-47	42	74	monitor	monitor	VERB
issue-47	42	75	borrowers	borrower	NOUN
issue-47	42	76	using	use	VERB
issue-47	42	77	specialized	specialized	ADJ
issue-47	42	78	technologies	technology	NOUN
issue-47	42	79	.	.	PUNCT
issue-47	43	1	this	this	DET
issue-47	43	2	activity	activity	NOUN
issue-47	43	3	lets	let	VERB
issue-47	43	4	them	they	PRON
issue-47	43	5	often	often	ADV
issue-47	43	6	establish	establish	VERB
issue-47	43	7	long	long	ADJ
issue-47	43	8	-	-	PUNCT
issue-47	43	9	term	term	NOUN
issue-47	43	10	relationships	relationship	NOUN
issue-47	43	11	with	with	ADP
issue-47	43	12	their	their	PRON
issue-47	43	13	clients	client	NOUN
issue-47	43	14	,	,	PUNCT
issue-47	43	15	which	which	PRON
issue-47	43	16	may	may	AUX
issue-47	43	17	further	far	ADV
issue-47	43	18	mitigate	mitigate	VERB
issue-47	43	19	the	the	DET
issue-47	43	20	negative	negative	ADJ
issue-47	43	21	impacts	impact	NOUN
issue-47	43	22	of	of	ADP
issue-47	43	23	adverse	adverse	ADJ
issue-47	43	24	selection	selection	NOUN
issue-47	43	25	and	and	CCONJ
issue-47	43	26	moral	moral	ADJ
issue-47	43	27	hazard	hazard	NOUN
issue-47	43	28	on	on	ADP
issue-47	43	29	the	the	DET
issue-47	43	30	resource	resource	NOUN
issue-47	43	31	allocation	allocation	NOUN
issue-47	43	32	process	process	NOUN
issue-47	43	33	.	.	PUNCT
issue-47	44	1	so	so	ADV
issue-47	44	2	,	,	PUNCT
issue-47	44	3	in	in	ADP
issue-47	44	4	the	the	DET
issue-47	44	5	basis	basis	NOUN
issue-47	44	6	of	of	ADP
issue-47	44	7	bank	bank	NOUN
issue-47	44	8	activity	activity	NOUN
issue-47	44	9	organization	organization	NOUN
issue-47	44	10	lays	lay	VERB
issue-47	44	11	a	a	DET
issue-47	44	12	traditional	traditional	ADJ
issue-47	44	13	business	business	NOUN
issue-47	44	14	model	model	NOUN
issue-47	44	15	that	that	PRON
issue-47	44	16	can	can	AUX
issue-47	44	17	change	change	VERB
issue-47	44	18	in	in	ADP
issue-47	44	19	time	time	NOUN
issue-47	44	20	under	under	ADP
issue-47	44	21	the	the	DET
issue-47	44	22	pressure	pressure	NOUN
issue-47	44	23	of	of	ADP
issue-47	44	24	different	different	ADJ
issue-47	44	25	factors	factor	NOUN
issue-47	44	26	.	.	PUNCT
issue-47	45	1	on	on	ADP
issue-47	45	2	our	our	PRON
issue-47	45	3	opinion	opinion	NOUN
issue-47	45	4	,	,	PUNCT
issue-47	45	5	to	to	PART
issue-47	45	6	understand	understand	VERB
issue-47	45	7	the	the	DET
issue-47	45	8	traditional	traditional	ADJ
issue-47	45	9	business	business	NOUN
issue-47	45	10	model	model	NOUN
issue-47	45	11	of	of	ADP
issue-47	45	12	a	a	DET
issue-47	45	13	bank	bank	NOUN
issue-47	45	14	is	be	AUX
issue-47	45	15	easier	easy	ADJ
issue-47	45	16	with	with	ADP
issue-47	45	17	help	help	NOUN
issue-47	45	18	of	of	ADP
issue-47	45	19	using	use	VERB
issue-47	45	20	the	the	DET
issue-47	45	21	business	business	NOUN
issue-47	45	22	model	model	NOUN
issue-47	45	23	canvas	canvas	NOUN
issue-47	45	24	(	(	PUNCT
issue-47	45	25	alexander	alexander	NOUN
issue-47	45	26	osterwalder	osterwalder	NOUN
issue-47	45	27	,	,	PUNCT
issue-47	45	28	2004	2004	NUM
issue-47	45	29	)	)	PUNCT
issue-47	45	30	.	.	PUNCT
issue-47	46	1	the	the	DET
issue-47	46	2	traditional	traditional	ADJ
issue-47	46	3	bank	bank	PROPN
issue-47	46	4	business	business	NOUN
issue-47	46	5	model	model	NOUN
issue-47	46	6	is	be	AUX
issue-47	46	7	represented	represent	VERB
issue-47	46	8	in	in	ADP
issue-47	46	9	table	table	NOUN
issue-47	46	10	1	1	NUM
issue-47	46	11	.	.	PUNCT
issue-47	47	1	so	so	ADV
issue-47	47	2	,	,	PUNCT
issue-47	47	3	as	as	SCONJ
issue-47	47	4	we	we	PRON
issue-47	47	5	can	can	AUX
issue-47	47	6	see	see	VERB
issue-47	47	7	from	from	ADP
issue-47	47	8	the	the	DET
issue-47	47	9	table	table	NOUN
issue-47	47	10	1	1	NUM
issue-47	47	11	,	,	PUNCT
issue-47	47	12	the	the	DET
issue-47	47	13	banks	bank	NOUN
issue-47	47	14	are	be	AUX
issue-47	47	15	an	an	DET
issue-47	47	16	intermediary	intermediary	NOUN
issue-47	47	17	between	between	ADP
issue-47	47	18	the	the	DET
issue-47	47	19	depositor	depositor	NOUN
issue-47	47	20	and	and	CCONJ
issue-47	47	21	the	the	DET
issue-47	47	22	borrower	borrower	NOUN
issue-47	47	23	.	.	PUNCT
issue-47	48	1	the	the	DET
issue-47	48	2	traditional	traditional	ADJ
issue-47	48	3	business	business	NOUN
issue-47	48	4	model	model	NOUN
issue-47	48	5	of	of	ADP
issue-47	48	6	a	a	DET
issue-47	48	7	bank	bank	NOUN
issue-47	48	8	is	be	AUX
issue-47	48	9	very	very	ADV
issue-47	48	10	simple	simple	ADJ
issue-47	48	11	:	:	PUNCT
issue-47	48	12	offer	offer	VERB
issue-47	48	13	lower	low	ADJ
issue-47	48	14	interest	interest	NOUN
issue-47	48	15	rate	rate	NOUN
issue-47	48	16	to	to	ADP
issue-47	48	17	the	the	DET
issue-47	48	18	depositor	depositor	NOUN
issue-47	48	19	and	and	CCONJ
issue-47	48	20	higher	high	ADJ
issue-47	48	21	interest	interest	NOUN
issue-47	48	22	rate	rate	NOUN
issue-47	48	23	to	to	ADP
issue-47	48	24	the	the	DET
issue-47	48	25	borrower	borrower	NOUN
issue-47	48	26	.	.	PUNCT
issue-47	49	1	it	it	PRON
issue-47	49	2	is	be	AUX
issue-47	49	3	important	important	ADJ
issue-47	49	4	to	to	PART
issue-47	49	5	underline	underline	VERB
issue-47	49	6	that	that	SCONJ
issue-47	49	7	all	all	DET
issue-47	49	8	depositors	depositor	NOUN
issue-47	49	9	and	and	CCONJ
issue-47	49	10	borrowers	borrower	NOUN
issue-47	49	11	can	can	AUX
issue-47	49	12	be	be	AUX
issue-47	49	13	segmented	segment	VERB
issue-47	49	14	into	into	ADP
issue-47	49	15	retail	retail	ADJ
issue-47	49	16	customers	customer	NOUN
issue-47	49	17	,	,	PUNCT
issue-47	49	18	corporate	corporate	ADJ
issue-47	49	19	enterprises	enterprise	NOUN
issue-47	49	20	(	(	PUNCT
issue-47	49	21	small	small	ADJ
issue-47	49	22	companies	company	NOUN
issue-47	49	23	,	,	PUNCT
issue-47	49	24	mid	mid	ADJ
issue-47	49	25	-	-	NOUN
issue-47	49	26	size	size	NOUN
issue-47	49	27	enterprises	enterprise	NOUN
issue-47	49	28	and	and	CCONJ
issue-47	49	29	large	large	ADJ
issue-47	49	30	corporations	corporation	NOUN
issue-47	49	31	)	)	PUNCT
issue-47	49	32	and	and	CCONJ
issue-47	49	33	financial	financial	ADJ
issue-47	49	34	intermediaries	intermediary	NOUN
issue-47	49	35	(	(	PUNCT
issue-47	49	36	often	often	ADV
issue-47	49	37	another	another	DET
issue-47	49	38	banks	bank	NOUN
issue-47	49	39	)	)	PUNCT
issue-47	49	40	.	.	PUNCT
issue-47	50	1	also	also	ADV
issue-47	50	2	bank	bank	PROPN
issue-47	50	3	can	can	AUX
issue-47	50	4	invest	invest	VERB
issue-47	50	5	its	its	PRON
issue-47	50	6	funds	fund	NOUN
issue-47	50	7	into	into	ADP
issue-47	50	8	the	the	DET
issue-47	50	9	different	different	ADJ
issue-47	50	10	types	type	NOUN
issue-47	50	11	of	of	ADP
issue-47	50	12	securities	security	NOUN
issue-47	50	13	,	,	PUNCT
issue-47	50	14	so	so	SCONJ
issue-47	50	15	the	the	DET
issue-47	50	16	issuers	issuer	NOUN
issue-47	50	17	of	of	ADP
issue-47	50	18	securities	security	NOUN
issue-47	50	19	can	can	AUX
issue-47	50	20	be	be	AUX
issue-47	50	21	referred	refer	VERB
issue-47	50	22	to	to	ADP
issue-47	50	23	the	the	DET
issue-47	50	24	customer	customer	NOUN
issue-47	50	25	segment	segment	NOUN
issue-47	50	26	.	.	PUNCT
issue-47	51	1	banks	bank	NOUN
issue-47	51	2	offer	offer	VERB
issue-47	51	3	different	different	ADJ
issue-47	51	4	value	value	NOUN
issue-47	51	5	propositions	proposition	NOUN
issue-47	51	6	such	such	ADJ
issue-47	51	7	as	as	ADP
issue-47	51	8	passive	passive	ADJ
issue-47	51	9	banking	banking	NOUN
issue-47	51	10	operations	operation	NOUN
issue-47	51	11	(	(	PUNCT
issue-47	51	12	sourcing	source	VERB
issue-47	51	13	of	of	ADP
issue-47	51	14	funds	fund	NOUN
issue-47	51	15	,	,	PUNCT
issue-47	51	16	property	property	NOUN
issue-47	51	17	and	and	CCONJ
issue-47	51	18	legal	legal	ADJ
issue-47	51	19	affairs	affair	NOUN
issue-47	51	20	and	and	CCONJ
issue-47	51	21	maturity	maturity	NOUN
issue-47	51	22	)	)	PUNCT
issue-47	51	23	,	,	PUNCT
issue-47	51	24	active	active	ADJ
issue-47	51	25	banking	banking	NOUN
issue-47	51	26	operations	operation	NOUN
issue-47	51	27	(	(	PUNCT
issue-47	51	28	short	short	ADJ
issue-47	51	29	-	-	PUNCT
issue-47	51	30	and	and	CCONJ
issue-47	51	31	long	long	ADJ
issue-47	51	32	-	-	PUNCT
issue-47	51	33	term	term	NOUN
issue-47	51	34	active	active	ADJ
issue-47	51	35	jobs	job	NOUN
issue-47	51	36	)	)	PUNCT
issue-47	51	37	,	,	PUNCT
issue-47	51	38	neutral	neutral	ADJ
issue-47	51	39	banking	banking	NOUN
issue-47	51	40	business	business	NOUN
issue-47	51	41	(	(	PUNCT
issue-47	51	42	banking	banking	NOUN
issue-47	51	43	transactions	transaction	NOUN
issue-47	51	44	and	and	CCONJ
issue-47	51	45	intermediary	intermediary	ADJ
issue-47	51	46	commission	commission	NOUN
issue-47	51	47	of	of	ADP
issue-47	51	48	banking	banking	NOUN
issue-47	51	49	transactions	transaction	NOUN
issue-47	51	50	)	)	PUNCT
issue-47	51	51	and	and	CCONJ
issue-47	51	52	its	its	PRON
issue-47	51	53	own	own	ADJ
issue-47	51	54	banking	banking	NOUN
issue-47	51	55	operations	operation	NOUN
issue-47	51	56	(	(	PUNCT
issue-47	51	57	shortterm	shortterm	NOUN
issue-47	51	58	and	and	CCONJ
issue-47	51	59	long	long	ADJ
issue-47	51	60	-	-	PUNCT
issue-47	51	61	term	term	NOUN
issue-47	51	62	banking	banking	NOUN
issue-47	51	63	business	business	NOUN
issue-47	51	64	)	)	PUNCT
issue-47	51	65	that	that	PRON
issue-47	51	66	reach	reach	VERB
issue-47	51	67	different	different	ADJ
issue-47	51	68	customer	customer	NOUN
issue-47	51	69	segments	segment	NOUN
issue-47	51	70	in	in	ADP
issue-47	51	71	the	the	DET
issue-47	51	72	form	form	NOUN
issue-47	51	73	of	of	ADP
issue-47	51	74	deposit	deposit	NOUN
issue-47	51	75	and	and	CCONJ
issue-47	51	76	loan	loan	NOUN
issue-47	51	77	products	product	NOUN
issue-47	51	78	,	,	PUNCT
issue-47	51	79	investments	investment	NOUN
issue-47	51	80	into	into	ADP
issue-47	51	81	the	the	DET
issue-47	51	82	profitable	profitable	ADJ
issue-47	51	83	projects	project	NOUN
issue-47	51	84	,	,	PUNCT
issue-47	51	85	and	and	CCONJ
issue-47	51	86	,	,	PUNCT
issue-47	51	87	of	of	ADP
issue-47	51	88	course	course	NOUN
issue-47	51	89	,	,	PUNCT
issue-47	51	90	trust	trust	NOUN
issue-47	51	91	management	management	NOUN
issue-47	51	92	.	.	PUNCT
issue-47	52	1	banks	bank	NOUN
issue-47	52	2	use	use	VERB
issue-47	52	3	multiple	multiple	ADJ
issue-47	52	4	channels	channel	NOUN
issue-47	52	5	to	to	PART
issue-47	52	6	reach	reach	VERB
issue-47	52	7	out	out	ADP
issue-47	52	8	to	to	ADP
issue-47	52	9	their	their	PRON
issue-47	52	10	customers	customer	NOUN
issue-47	52	11	such	such	ADJ
issue-47	52	12	as	as	ADP
issue-47	52	13	opening	open	VERB
issue-47	52	14	bank	bank	NOUN
issue-47	52	15	branches	branch	NOUN
issue-47	52	16	and	and	CCONJ
issue-47	52	17	establishing	establish	VERB
issue-47	52	18	atms	atms	NOUN
issue-47	52	19	at	at	ADP
issue-47	52	20	convenient	convenient	ADJ
issue-47	52	21	locations	location	NOUN
issue-47	52	22	,	,	PUNCT
issue-47	52	23	providing	provide	VERB
issue-47	52	24	call	call	NOUN
issue-47	52	25	center	center	NOUN
issue-47	52	26	,	,	PUNCT
issue-47	52	27	internet	internet	NOUN
issue-47	52	28	and	and	CCONJ
issue-47	52	29	mobile	mobile	ADJ
issue-47	52	30	banking	banking	NOUN
issue-47	52	31	.	.	PUNCT
issue-47	53	1	today	today	NOUN
issue-47	53	2	,	,	PUNCT
issue-47	53	3	with	with	ADP
issue-47	53	4	development	development	NOUN
issue-47	53	5	of	of	ADP
issue-47	53	6	it	it	PRON
issue-47	53	7	technologies	technology	NOUN
issue-47	53	8	and	and	CCONJ
issue-47	53	9	in	in	ADP
issue-47	53	10	order	order	NOUN
issue-47	53	11	to	to	PART
issue-47	53	12	reduce	reduce	VERB
issue-47	53	13	their	their	PRON
issue-47	53	14	channel	channel	NOUN
issue-47	53	15	costs	cost	NOUN
issue-47	53	16	and	and	CCONJ
issue-47	53	17	operational	operational	ADJ
issue-47	53	18	risk	risk	NOUN
issue-47	53	19	banks	bank	NOUN
issue-47	53	20	are	be	AUX
issue-47	53	21	interested	interested	ADJ
issue-47	53	22	in	in	ADP
issue-47	53	23	automation	automation	NOUN
issue-47	53	24	.	.	PUNCT
issue-47	54	1	electronic	electronic	ADJ
issue-47	54	2	banking	banking	NOUN
issue-47	54	3	(	(	PUNCT
issue-47	54	4	e	e	NOUN
issue-47	54	5	-	-	NOUN
issue-47	54	6	banking	banking	NOUN
issue-47	54	7	)	)	PUNCT
issue-47	54	8	is	be	AUX
issue-47	54	9	a	a	DET
issue-47	54	10	contemporary	contemporary	ADJ
issue-47	54	11	form	form	NOUN
issue-47	54	12	of	of	ADP
issue-47	54	13	banking	banking	NOUN
issue-47	54	14	that	that	PRON
issue-47	54	15	involves	involve	VERB
issue-47	54	16	the	the	DET
issue-47	54	17	use	use	NOUN
issue-47	54	18	of	of	ADP
issue-47	54	19	modern	modern	ADJ
issue-47	54	20	information	information	NOUN
issue-47	54	21	and	and	CCONJ
issue-47	54	22	telecommunication	telecommunication	NOUN
issue-47	54	23	technologies	technology	NOUN
issue-47	54	24	in	in	ADP
issue-47	54	25	carrying	carry	VERB
issue-47	54	26	out	out	ADP
issue-47	54	27	banking	banking	NOUN
issue-47	54	28	transactions	transaction	NOUN
issue-47	54	29	from	from	ADP
issue-47	54	30	home	home	NOUN
issue-47	54	31	,	,	PUNCT
issue-47	54	32	the	the	DET
issue-47	54	33	office	office	NOUN
issue-47	54	34	,	,	PUNCT
issue-47	54	35	or	or	CCONJ
issue-47	54	36	from	from	ADP
issue-47	54	37	business	business	NOUN
issue-47	54	38	trip	trip	NOUN
issue-47	54	39	,	,	PUNCT
issue-47	54	40	24	24	NUM
issue-47	54	41	hours	hour	NOUN
issue-47	54	42	a	a	DET
issue-47	54	43	day	day	NOUN
issue-47	54	44	,	,	PUNCT
issue-47	54	45	365	365	NUM
issue-47	54	46	days	day	NOUN
issue-47	54	47	in	in	ADP
issue-47	54	48	a	a	DET
issue-47	54	49	year	year	NOUN
issue-47	54	50	(	(	PUNCT
issue-47	54	51	cirovic	cirovic	ADJ
issue-47	54	52	m.	m.	NOUN
issue-47	54	53	,	,	PUNCT
issue-47	54	54	2001	2001	NUM
issue-47	54	55	)	)	PUNCT
issue-47	54	56	.	.	PUNCT
issue-47	55	1	banks	bank	NOUN
issue-47	55	2	developed	develop	VERB
issue-47	55	3	new	new	ADJ
issue-47	55	4	business	business	NOUN
issue-47	55	5	models	model	NOUN
issue-47	55	6	and	and	CCONJ
issue-47	55	7	moved	move	VERB
issue-47	55	8	away	away	ADV
issue-47	55	9	from	from	ADP
issue-47	55	10	the	the	DET
issue-47	55	11	traditional	traditional	ADJ
issue-47	55	12	model	model	NOUN
issue-47	55	13	.	.	PUNCT
issue-47	56	1	several	several	ADJ
issue-47	56	2	trends	trend	NOUN
issue-47	56	3	in	in	ADP
issue-47	56	4	bank	bank	NOUN
issue-47	56	5	business	business	NOUN
issue-47	56	6	models	model	NOUN
issue-47	56	7	emerged	emerge	VERB
issue-47	56	8	in	in	ADP
issue-47	56	9	the	the	DET
issue-47	56	10	recent	recent	ADJ
issue-47	56	11	years	year	NOUN
issue-47	56	12	(	(	PUNCT
issue-47	56	13	david	david	PROPN
issue-47	56	14	t.	t.	PROPN
issue-47	56	15	llewellyn	llewellyn	PROPN
issue-47	56	16	,	,	PUNCT
issue-47	56	17	richard	richard	PROPN
issue-47	56	18	reid	reid	PROPN
issue-47	56	19	,	,	PUNCT
issue-47	56	20	2012	2012	NUM
issue-47	56	21	):	):	PUNCT
issue-47	56	22	–	–	PUNCT
issue-47	56	23	banks	bank	NOUN
issue-47	56	24	increasingly	increasingly	ADV
issue-47	56	25	diversified	diversify	VERB
issue-47	56	26	into	into	ADP
issue-47	56	27	more	more	ADJ
issue-47	56	28	lines	line	NOUN
issue-47	56	29	of	of	ADP
issue-47	56	30	business	business	NOUN
issue-47	56	31	activity	activity	NOUN
issue-47	56	32	some	some	PRON
issue-47	56	33	of	of	ADP
issue-47	56	34	which	which	PRON
issue-47	56	35	had	have	AUX
issue-47	56	36	previously	previously	ADV
issue-47	56	37	been	be	AUX
issue-47	56	38	inhibited	inhibit	VERB
issue-47	56	39	with	with	ADP
issue-47	56	40	regulation	regulation	NOUN
issue-47	56	41	;	;	PUNCT
issue-47	56	42	–	–	PUNCT
issue-47	56	43	bank	bank	NOUN
issue-47	56	44	assets	asset	NOUN
issue-47	56	45	expanded	expand	VERB
issue-47	56	46	at	at	ADP
issue-47	56	47	a	a	DET
issue-47	56	48	substantially	substantially	ADV
issue-47	56	49	faster	fast	ADJ
issue-47	56	50	rate	rate	NOUN
issue-47	56	51	than	than	ADP
issue-47	56	52	that	that	PRON
issue-47	56	53	of	of	ADP
issue-47	56	54	retail	retail	ADJ
issue-47	56	55	deposits	deposit	NOUN
issue-47	56	56	creating	create	VERB
issue-47	56	57	an	an	DET
issue-47	56	58	ever	ever	ADV
issue-47	56	59	-	-	PUNCT
issue-47	56	60	widening	widen	VERB
issue-47	56	61	‘	'	PUNCT
issue-47	56	62	funding	funding	NOUN
issue-47	56	63	gap	gap	NOUN
issue-47	56	64	’	'	PUNCT
issue-47	56	65	;	;	PUNCT
issue-47	56	66	–	–	PUNCT
issue-47	56	67	the	the	DET
issue-47	56	68	rise	rise	NOUN
issue-47	56	69	in	in	ADP
issue-47	56	70	bank	bank	NOUN
issue-47	56	71	loans	loan	NOUN
issue-47	56	72	substantially	substantially	ADV
issue-47	56	73	exceeded	exceed	VERB
issue-47	56	74	the	the	DET
issue-47	56	75	rise	rise	NOUN
issue-47	56	76	in	in	ADP
issue-47	56	77	banks	bank	NOUN
issue-47	56	78	’	’	PART
issue-47	56	79	risk	risk	NOUN
issue-47	56	80	-	-	PUNCT
issue-47	56	81	weighted	weight	VERB
issue-47	56	82	assets	asset	NOUN
issue-47	56	83	held	hold	VERB
issue-47	56	84	on	on	ADP
issue-47	56	85	the	the	DET
issue-47	56	86	balance	balance	NOUN
issue-47	56	87	sheet	sheet	NOUN
issue-47	56	88	;	;	PUNCT
issue-47	56	89	table	table	NOUN
issue-47	56	90	1	1	NUM
issue-47	56	91	the	the	DET
issue-47	56	92	traditional	traditional	ADJ
issue-47	56	93	business	business	NOUN
issue-47	56	94	model	model	NOUN
issue-47	56	95	of	of	ADP
issue-47	56	96	the	the	DET
issue-47	56	97	bank	bank	NOUN
issue-47	56	98	(	(	PUNCT
issue-47	56	99	using	use	VERB
issue-47	56	100	business	business	NOUN
issue-47	56	101	model	model	NOUN
issue-47	56	102	convas	convas	PROPN
issue-47	56	103	)	)	PUNCT
issue-47	56	104	8	8	NUM
issue-47	56	105	.	.	PUNCT
issue-47	57	1	key	key	ADJ
issue-47	57	2	partners	partner	NOUN
issue-47	57	3	investment	investment	NOUN
issue-47	57	4	partners	partner	NOUN
issue-47	57	5	technology	technology	NOUN
issue-47	57	6	vendors	vendor	NOUN
issue-47	57	7	central	central	PROPN
issue-47	57	8	bank	bank	PROPN
issue-47	57	9	regulatory	regulatory	ADJ
issue-47	57	10	agencies	agency	NOUN
issue-47	57	11	credit	credit	NOUN
issue-47	57	12	agency	agency	NOUN
issue-47	57	13	rating	rating	NOUN
issue-47	57	14	agencies	agency	NOUN
issue-47	57	15	7	7	NUM
issue-47	57	16	.	.	PUNCT
issue-47	57	17	key	key	ADJ
issue-47	57	18	activities	activity	NOUN
issue-47	57	19	department	department	NOUN
issue-47	57	20	operations	operation	NOUN
issue-47	57	21	branch	branch	NOUN
issue-47	57	22	operations	operation	NOUN
issue-47	57	23	bookkeeping	bookkeeping	NOUN
issue-47	57	24	call	call	NOUN
issue-47	57	25	center	center	NOUN
issue-47	57	26	operations	operation	NOUN
issue-47	57	27	it	it	PRON
issue-47	57	28	operations	operation	VERB
issue-47	57	29	2	2	NUM
issue-47	57	30	.	.	PUNCT
issue-47	57	31	value	value	NOUN
issue-47	57	32	propositions	proposition	NOUN
issue-47	57	33	deposit	deposit	NOUN
issue-47	57	34	products	product	NOUN
issue-47	57	35	(	(	PUNCT
issue-47	57	36	lower	low	ADJ
issue-47	57	37	interest	interest	NOUN
issue-47	57	38	rates	rate	NOUN
issue-47	57	39	)	)	PUNCT
issue-47	57	40	loan	loan	NOUN
issue-47	57	41	products	product	NOUN
issue-47	57	42	(	(	PUNCT
issue-47	57	43	higher	high	ADJ
issue-47	57	44	interest	interest	NOUN
issue-47	57	45	rates	rate	NOUN
issue-47	57	46	)	)	PUNCT
issue-47	57	47	investment	investment	NOUN
issue-47	57	48	(	(	PUNCT
issue-47	57	49	higher	high	ADJ
issue-47	57	50	interest	interest	NOUN
issue-47	57	51	rates	rate	NOUN
issue-47	57	52	)	)	PUNCT
issue-47	57	53	trust	trust	NOUN
issue-47	57	54	management	management	NOUN
issue-47	57	55	(	(	PUNCT
issue-47	57	56	commission	commission	PROPN
issue-47	57	57	)	)	PUNCT
issue-47	57	58	4	4	NUM
issue-47	57	59	.	.	PUNCT
issue-47	58	1	relationships	relationship	NOUN
issue-47	58	2	personal	personal	ADJ
issue-47	58	3	assistance	assistance	NOUN
issue-47	58	4	automation	automation	NOUN
issue-47	58	5	(	(	PUNCT
issue-47	58	6	where	where	SCONJ
issue-47	58	7	possible	possible	ADJ
issue-47	58	8	)	)	PUNCT
issue-47	58	9	1	1	X
issue-47	58	10	.	.	X
issue-47	58	11	customer	customer	NOUN
issue-47	58	12	segments	segment	NOUN
issue-47	58	13	depositors	depositor	NOUN
issue-47	58	14	:	:	PUNCT
issue-47	58	15	-retail	-retail	ADJ
issue-47	58	16	customers	customer	NOUN
issue-47	58	17	-corporate	-corporate	NOUN
issue-47	58	18	enterprises	enterprise	NOUN
issue-47	58	19	-financial	-financial	ADJ
issue-47	58	20	intermediaries	intermediary	NOUN
issue-47	58	21	borrowers	borrower	NOUN
issue-47	58	22	:	:	PUNCT
issue-47	58	23	-retail	-retail	ADJ
issue-47	58	24	customers	customer	NOUN
issue-47	58	25	-corporate	-corporate	NOUN
issue-47	58	26	enterprisers	enterpriser	NOUN
issue-47	58	27	-financial	-financial	ADJ
issue-47	58	28	intermediaries	intermediary	NOUN
issue-47	58	29	issuers	issuer	NOUN
issue-47	58	30	of	of	ADP
issue-47	58	31	securities	security	NOUN
issue-47	58	32	6	6	NUM
issue-47	58	33	.	.	PUNCT
issue-47	59	1	key	key	ADJ
issue-47	59	2	resources	resource	NOUN
issue-47	59	3	physical	physical	ADJ
issue-47	59	4	and	and	CCONJ
issue-47	59	5	it	it	PRON
issue-47	59	6	infrastructure	infrastructure	NOUN
issue-47	59	7	loan	loan	NOUN
issue-47	59	8	assets	asset	NOUN
issue-47	59	9	3	3	NUM
issue-47	59	10	.	.	PUNCT
issue-47	60	1	channels	channel	NOUN
issue-47	60	2	branches	branch	NOUN
issue-47	60	3	atms	atms	PROPN
issue-47	60	4	call	call	NOUN
issue-47	60	5	centers	center	NOUN
issue-47	60	6	internet	internet	NOUN
issue-47	60	7	mobile	mobile	NOUN
issue-47	60	8	devices	device	NOUN
issue-47	60	9	9	9	NUM
issue-47	60	10	.	.	PUNCT
issue-47	61	1	cost	cost	NOUN
issue-47	61	2	structure	structure	NOUN
issue-47	61	3	interest	interest	NOUN
issue-47	61	4	expences	expence	NOUN
issue-47	61	5	channel	channel	NOUN
issue-47	61	6	costs	cost	VERB
issue-47	61	7	5	5	NUM
issue-47	61	8	.	.	PUNCT
issue-47	62	1	revenue	revenue	NOUN
issue-47	62	2	streams	stream	NOUN
issue-47	62	3	interest	interest	NOUN
issue-47	62	4	income	income	NOUN
issue-47	62	5	fee	fee	NOUN
issue-47	62	6	income	income	NOUN
issue-47	62	7	baltic	baltic	PROPN
issue-47	62	8	journal	journal	PROPN
issue-47	62	9	of	of	ADP
issue-47	62	10	economic	economic	ADJ
issue-47	62	11	studies	study	NOUN
issue-47	62	12	117	117	NUM
issue-47	62	13	vol	vol	NOUN
issue-47	62	14	.	.	PROPN
issue-47	63	1	1	1	NUM
issue-47	63	2	,	,	PUNCT
issue-47	63	3	no	no	INTJ
issue-47	63	4	.	.	NOUN
issue-47	63	5	2	2	NUM
issue-47	63	6	,	,	PUNCT
issue-47	63	7	2015	2015	NUM
issue-47	63	8	–	–	PUNCT
issue-47	63	9	securitisation	securitisation	NOUN
issue-47	63	10	of	of	ADP
issue-47	63	11	loans	loan	NOUN
issue-47	63	12	became	become	VERB
issue-47	63	13	a	a	DET
issue-47	63	14	central	central	ADJ
issue-47	63	15	business	business	NOUN
issue-47	63	16	strategy	strategy	NOUN
issue-47	63	17	for	for	ADP
issue-47	63	18	many	many	ADJ
issue-47	63	19	banks	bank	NOUN
issue-47	63	20	;	;	PUNCT
issue-47	63	21	–	–	PUNCT
issue-47	63	22	investment	investment	NOUN
issue-47	63	23	and	and	CCONJ
issue-47	63	24	trading	trading	NOUN
issue-47	63	25	activity	activity	NOUN
issue-47	63	26	increased	increase	VERB
issue-47	63	27	sharply	sharply	ADV
issue-47	63	28	,	,	PUNCT
issue-47	63	29	and	and	CCONJ
issue-47	63	30	the	the	DET
issue-47	63	31	proportion	proportion	NOUN
issue-47	63	32	of	of	ADP
issue-47	63	33	traded	trade	VERB
issue-47	63	34	assets	asset	NOUN
issue-47	63	35	in	in	ADP
issue-47	63	36	the	the	DET
issue-47	63	37	total	total	ADJ
issue-47	63	38	balance	balance	NOUN
issue-47	63	39	sheet	sheet	NOUN
issue-47	63	40	rose	rise	VERB
issue-47	63	41	substantially	substantially	ADV
issue-47	63	42	in	in	ADP
issue-47	63	43	many	many	ADJ
issue-47	63	44	cases	case	NOUN
issue-47	63	45	;	;	PUNCT
issue-47	63	46	–	–	PUNCT
issue-47	63	47	banks	bank	NOUN
issue-47	63	48	reduced	reduce	VERB
issue-47	63	49	their	their	PRON
issue-47	63	50	holdings	holding	NOUN
issue-47	63	51	of	of	ADP
issue-47	63	52	liquid	liquid	ADJ
issue-47	63	53	assets	asset	NOUN
issue-47	63	54	as	as	SCONJ
issue-47	63	55	they	they	PRON
issue-47	63	56	developed	develop	VERB
issue-47	63	57	greater	great	ADJ
issue-47	63	58	access	access	NOUN
issue-47	63	59	to	to	ADP
issue-47	63	60	wholesale	wholesale	ADJ
issue-47	63	61	funding	funding	NOUN
issue-47	63	62	markets	market	NOUN
issue-47	63	63	;	;	PUNCT
issue-47	63	64	–	–	PUNCT
issue-47	63	65	the	the	DET
issue-47	63	66	extent	extent	NOUN
issue-47	63	67	of	of	ADP
issue-47	63	68	maturity	maturity	NOUN
issue-47	63	69	transformation	transformation	NOUN
issue-47	63	70	also	also	ADV
issue-47	63	71	increased	increase	VERB
issue-47	63	72	sharply	sharply	ADV
issue-47	63	73	as	as	SCONJ
issue-47	63	74	increasing	increase	VERB
issue-47	63	75	use	use	NOUN
issue-47	63	76	was	be	AUX
issue-47	63	77	made	make	VERB
issue-47	63	78	of	of	ADP
issue-47	63	79	short	short	ADJ
issue-47	63	80	-	-	PUNCT
issue-47	63	81	maturity	maturity	NOUN
issue-47	63	82	money	money	NOUN
issue-47	63	83	market	market	NOUN
issue-47	63	84	funding	funding	NOUN
issue-47	63	85	sources	source	NOUN
issue-47	63	86	;	;	PUNCT
issue-47	63	87	–	–	PUNCT
issue-47	63	88	an	an	DET
issue-47	63	89	increased	increase	VERB
issue-47	63	90	dependency	dependency	NOUN
issue-47	63	91	on	on	ADP
issue-47	63	92	wholesale	wholesale	ADJ
issue-47	63	93	and	and	CCONJ
issue-47	63	94	money	money	NOUN
issue-47	63	95	market	market	NOUN
issue-47	63	96	funding	funding	NOUN
issue-47	63	97	;	;	PUNCT
issue-47	63	98	–	–	PUNCT
issue-47	63	99	a	a	DET
issue-47	63	100	powerful	powerful	ADJ
issue-47	63	101	trend	trend	NOUN
issue-47	63	102	emerged	emerge	VERB
issue-47	63	103	towards	towards	ADP
issue-47	63	104	using	use	VERB
issue-47	63	105	credit	credit	NOUN
issue-47	63	106	derivatives	derivative	NOUN
issue-47	63	107	as	as	ADP
issue-47	63	108	a	a	DET
issue-47	63	109	means	means	NOUN
issue-47	63	110	of	of	ADP
issue-47	63	111	supposedly	supposedly	ADV
issue-47	63	112	shifting	shift	VERB
issue-47	63	113	credit	credit	NOUN
issue-47	63	114	risk	risk	NOUN
issue-47	63	115	.	.	PUNCT
issue-47	64	1	so	so	ADV
issue-47	64	2	the	the	DET
issue-47	64	3	development	development	NOUN
issue-47	64	4	of	of	ADP
issue-47	64	5	financial	financial	ADJ
issue-47	64	6	system	system	NOUN
issue-47	64	7	leads	lead	VERB
issue-47	64	8	to	to	ADP
issue-47	64	9	the	the	DET
issue-47	64	10	appearing	appearing	NOUN
issue-47	64	11	of	of	ADP
issue-47	64	12	different	different	ADJ
issue-47	64	13	banking	banking	NOUN
issue-47	64	14	models	model	NOUN
issue-47	64	15	from	from	ADP
issue-47	64	16	the	the	DET
issue-47	64	17	traditional	traditional	ADJ
issue-47	64	18	one	one	NOUN
issue-47	64	19	that	that	PRON
issue-47	64	20	mainly	mainly	ADV
issue-47	64	21	depends	depend	VERB
issue-47	64	22	on	on	ADP
issue-47	64	23	the	the	DET
issue-47	64	24	banking	banking	NOUN
issue-47	64	25	activity	activity	NOUN
issue-47	64	26	direction	direction	NOUN
issue-47	64	27	in	in	ADP
issue-47	64	28	customer	customer	NOUN
issue-47	64	29	service	service	NOUN
issue-47	64	30	on	on	ADP
issue-47	64	31	the	the	DET
issue-47	64	32	financial	financial	ADJ
issue-47	64	33	market	market	NOUN
issue-47	64	34	.	.	PUNCT
issue-47	65	1	3	3	X
issue-47	65	2	.	.	X
issue-47	65	3	classifying	classify	VERB
issue-47	65	4	banks	bank	NOUN
issue-47	65	5	:	:	PUNCT
issue-47	65	6	the	the	DET
issue-47	65	7	database	database	NOUN
issue-47	65	8	and	and	CCONJ
issue-47	65	9	the	the	DET
issue-47	65	10	methodology	methodology	NOUN
issue-47	65	11	our	our	PRON
issue-47	65	12	research	research	NOUN
issue-47	65	13	we	we	PRON
issue-47	65	14	will	will	AUX
issue-47	65	15	spend	spend	VERB
issue-47	65	16	among	among	ADP
issue-47	65	17	banks	bank	NOUN
issue-47	65	18	that	that	PRON
issue-47	65	19	are	be	AUX
issue-47	65	20	function	function	NOUN
issue-47	65	21	on	on	ADP
issue-47	65	22	the	the	DET
issue-47	65	23	ukrainian	ukrainian	ADJ
issue-47	65	24	financial	financial	ADJ
issue-47	65	25	market	market	NOUN
issue-47	65	26	.	.	PUNCT
issue-47	66	1	on	on	ADP
issue-47	66	2	the	the	DET
issue-47	66	3	first	first	ADJ
issue-47	66	4	of	of	ADP
issue-47	66	5	january	january	PROPN
issue-47	66	6	,	,	PUNCT
issue-47	66	7	2015	2015	NUM
issue-47	66	8	there	there	PRON
issue-47	66	9	was	be	VERB
issue-47	66	10	registered	register	VERB
issue-47	66	11	163	163	NUM
issue-47	66	12	banks	bank	NOUN
issue-47	66	13	in	in	ADP
issue-47	66	14	the	the	DET
issue-47	66	15	banking	banking	NOUN
issue-47	66	16	system	system	NOUN
issue-47	66	17	of	of	ADP
issue-47	66	18	ukraine	ukraine	NOUN
issue-47	66	19	.	.	PUNCT
issue-47	67	1	but	but	CCONJ
issue-47	67	2	we	we	PRON
issue-47	67	3	have	have	VERB
issue-47	67	4	to	to	PART
issue-47	67	5	underline	underline	VERB
issue-47	67	6	that	that	SCONJ
issue-47	67	7	32	32	NUM
issue-47	67	8	banks	bank	NOUN
issue-47	67	9	are	be	AUX
issue-47	67	10	on	on	ADP
issue-47	67	11	the	the	DET
issue-47	67	12	stage	stage	NOUN
issue-47	67	13	of	of	ADP
issue-47	67	14	liquidation	liquidation	NOUN
issue-47	67	15	what	what	PRON
issue-47	67	16	is	be	AUX
issue-47	67	17	connected	connect	VERB
issue-47	67	18	as	as	ADP
issue-47	67	19	with	with	ADP
issue-47	67	20	economic	economic	ADJ
issue-47	67	21	and	and	CCONJ
issue-47	67	22	political	political	ADJ
issue-47	67	23	crises	crisis	NOUN
issue-47	67	24	in	in	ADP
issue-47	67	25	ukraine	ukraine	NOUN
issue-47	67	26	,	,	PUNCT
issue-47	67	27	so	so	ADV
issue-47	67	28	with	with	ADP
issue-47	67	29	central	central	ADJ
issue-47	67	30	bank	bank	NOUN
issue-47	67	31	policy	policy	NOUN
issue-47	67	32	.	.	PUNCT
issue-47	68	1	so	so	ADV
issue-47	68	2	the	the	DET
issue-47	68	3	sample	sample	NOUN
issue-47	68	4	under	under	ADP
issue-47	68	5	study	study	NOUN
issue-47	68	6	in	in	ADP
issue-47	68	7	our	our	PRON
issue-47	68	8	work	work	NOUN
issue-47	68	9	is	be	AUX
issue-47	68	10	comprised	comprise	VERB
issue-47	68	11	of	of	ADP
issue-47	68	12	131	131	NUM
issue-47	68	13	banks	bank	NOUN
issue-47	68	14	which	which	PRON
issue-47	68	15	are	be	AUX
issue-47	68	16	different	different	ADJ
issue-47	68	17	in	in	ADP
issue-47	68	18	their	their	PRON
issue-47	68	19	ownership	ownership	NOUN
issue-47	68	20	structure	structure	NOUN
issue-47	68	21	and	and	CCONJ
issue-47	68	22	size	size	NOUN
issue-47	68	23	.	.	PUNCT
issue-47	69	1	the	the	DET
issue-47	69	2	core	core	NOUN
issue-47	69	3	of	of	ADP
issue-47	69	4	the	the	DET
issue-47	69	5	methodology	methodology	NOUN
issue-47	69	6	is	be	AUX
issue-47	69	7	a	a	DET
issue-47	69	8	statistical	statistical	ADJ
issue-47	69	9	clustering	clustering	NOUN
issue-47	69	10	algorithm	algorithm	NOUN
issue-47	69	11	.	.	PUNCT
issue-47	70	1	to	to	ADP
issue-47	70	2	our	our	PRON
issue-47	70	3	mind	mind	NOUN
issue-47	70	4	,	,	PUNCT
issue-47	70	5	the	the	DET
issue-47	70	6	use	use	NOUN
issue-47	70	7	of	of	ADP
issue-47	70	8	cluster	cluster	NOUN
issue-47	70	9	analysis	analysis	NOUN
issue-47	70	10	allows	allow	VERB
issue-47	70	11	to	to	PART
issue-47	70	12	identify	identify	VERB
issue-47	70	13	the	the	DET
issue-47	70	14	groups	group	NOUN
issue-47	70	15	of	of	ADP
issue-47	70	16	banks	bank	NOUN
issue-47	70	17	(	(	PUNCT
issue-47	70	18	clusters	cluster	NOUN
issue-47	70	19	)	)	PUNCT
issue-47	70	20	with	with	ADP
issue-47	70	21	similar	similar	ADJ
issue-47	70	22	business	business	NOUN
issue-47	70	23	models	model	NOUN
issue-47	70	24	.	.	PUNCT
issue-47	71	1	the	the	DET
issue-47	71	2	idea	idea	NOUN
issue-47	71	3	is	be	AUX
issue-47	71	4	that	that	SCONJ
issue-47	71	5	banks	bank	NOUN
issue-47	71	6	with	with	ADP
issue-47	71	7	similar	similar	ADJ
issue-47	71	8	business	business	NOUN
issue-47	71	9	model	model	NOUN
issue-47	71	10	strategies	strategy	NOUN
issue-47	71	11	have	have	AUX
issue-47	71	12	made	make	VERB
issue-47	71	13	similar	similar	ADJ
issue-47	71	14	choices	choice	NOUN
issue-47	71	15	regarding	regard	VERB
issue-47	71	16	the	the	DET
issue-47	71	17	composition	composition	NOUN
issue-47	71	18	of	of	ADP
issue-47	71	19	their	their	PRON
issue-47	71	20	assets	asset	NOUN
issue-47	71	21	and	and	CCONJ
issue-47	71	22	liabilities	liability	NOUN
issue-47	71	23	.	.	PUNCT
issue-47	72	1	cluster	cluster	NOUN
issue-47	72	2	analysis	analysis	NOUN
issue-47	72	3	is	be	AUX
issue-47	72	4	the	the	DET
issue-47	72	5	task	task	NOUN
issue-47	72	6	of	of	ADP
issue-47	72	7	grouping	group	VERB
issue-47	72	8	a	a	DET
issue-47	72	9	set	set	NOUN
issue-47	72	10	of	of	ADP
issue-47	72	11	objects	object	NOUN
issue-47	72	12	in	in	ADP
issue-47	72	13	such	such	DET
issue-47	72	14	a	a	DET
issue-47	72	15	way	way	NOUN
issue-47	72	16	that	that	PRON
issue-47	72	17	objects	object	VERB
issue-47	72	18	in	in	ADP
issue-47	72	19	the	the	DET
issue-47	72	20	same	same	ADJ
issue-47	72	21	group	group	NOUN
issue-47	72	22	(	(	PUNCT
issue-47	72	23	called	call	VERB
issue-47	72	24	a	a	DET
issue-47	72	25	cluster	cluster	NOUN
issue-47	72	26	)	)	PUNCT
issue-47	72	27	are	be	AUX
issue-47	72	28	more	more	ADV
issue-47	72	29	similar	similar	ADJ
issue-47	72	30	(	(	PUNCT
issue-47	72	31	in	in	ADP
issue-47	72	32	some	some	DET
issue-47	72	33	sense	sense	NOUN
issue-47	72	34	or	or	CCONJ
issue-47	72	35	another	another	PRON
issue-47	72	36	)	)	PUNCT
issue-47	72	37	to	to	ADP
issue-47	72	38	each	each	DET
issue-47	72	39	other	other	ADJ
issue-47	72	40	than	than	ADP
issue-47	72	41	to	to	ADP
issue-47	72	42	those	those	PRON
issue-47	72	43	in	in	ADP
issue-47	72	44	other	other	ADJ
issue-47	72	45	groups	group	NOUN
issue-47	72	46	(	(	PUNCT
issue-47	72	47	clusters	cluster	NOUN
issue-47	72	48	)	)	PUNCT
issue-47	72	49	.	.	PUNCT
issue-47	73	1	cluster	cluster	NOUN
issue-47	73	2	analysis	analysis	NOUN
issue-47	73	3	itself	itself	PRON
issue-47	73	4	is	be	AUX
issue-47	73	5	not	not	PART
issue-47	73	6	one	one	NUM
issue-47	73	7	specific	specific	ADJ
issue-47	73	8	algorithm	algorithm	NOUN
issue-47	73	9	,	,	PUNCT
issue-47	73	10	but	but	CCONJ
issue-47	73	11	the	the	DET
issue-47	73	12	general	general	ADJ
issue-47	73	13	task	task	NOUN
issue-47	73	14	to	to	PART
issue-47	73	15	be	be	AUX
issue-47	73	16	solved	solve	VERB
issue-47	73	17	.	.	PUNCT
issue-47	74	1	it	it	PRON
issue-47	74	2	can	can	AUX
issue-47	74	3	be	be	AUX
issue-47	74	4	achieved	achieve	VERB
issue-47	74	5	with	with	ADP
issue-47	74	6	various	various	ADJ
issue-47	74	7	algorithms	algorithm	NOUN
issue-47	74	8	that	that	PRON
issue-47	74	9	differ	differ	VERB
issue-47	74	10	significantly	significantly	ADV
issue-47	74	11	in	in	ADP
issue-47	74	12	their	their	PRON
issue-47	74	13	notion	notion	NOUN
issue-47	74	14	of	of	ADP
issue-47	74	15	what	what	PRON
issue-47	74	16	constitutes	constitute	VERB
issue-47	74	17	a	a	DET
issue-47	74	18	cluster	cluster	NOUN
issue-47	74	19	and	and	CCONJ
issue-47	74	20	how	how	SCONJ
issue-47	74	21	to	to	PART
issue-47	74	22	efficiently	efficiently	ADV
issue-47	74	23	find	find	VERB
issue-47	74	24	them	they	PRON
issue-47	74	25	.	.	PUNCT
issue-47	75	1	popular	popular	ADJ
issue-47	75	2	notions	notion	NOUN
issue-47	75	3	of	of	ADP
issue-47	75	4	clusters	cluster	NOUN
issue-47	75	5	include	include	VERB
issue-47	75	6	groups	group	NOUN
issue-47	75	7	with	with	ADP
issue-47	75	8	small	small	ADJ
issue-47	75	9	distances	distance	NOUN
issue-47	75	10	among	among	ADP
issue-47	75	11	the	the	DET
issue-47	75	12	cluster	cluster	NOUN
issue-47	75	13	members	member	NOUN
issue-47	75	14	,	,	PUNCT
issue-47	75	15	dense	dense	ADJ
issue-47	75	16	areas	area	NOUN
issue-47	75	17	of	of	ADP
issue-47	75	18	the	the	DET
issue-47	75	19	data	data	NOUN
issue-47	75	20	space	space	NOUN
issue-47	75	21	,	,	PUNCT
issue-47	75	22	intervals	interval	NOUN
issue-47	75	23	or	or	CCONJ
issue-47	75	24	particular	particular	ADJ
issue-47	75	25	statistical	statistical	ADJ
issue-47	75	26	distributions	distribution	NOUN
issue-47	75	27	.	.	PUNCT
issue-47	76	1	among	among	ADP
issue-47	76	2	the	the	DET
issue-47	76	3	methods	method	NOUN
issue-47	76	4	of	of	ADP
issue-47	76	5	cluster	cluster	NOUN
issue-47	76	6	analysis	analysis	NOUN
issue-47	76	7	the	the	DET
issue-47	76	8	most	most	ADJ
issue-47	76	9	distribution	distribution	NOUN
issue-47	76	10	got	get	VERB
issue-47	76	11	the	the	DET
issue-47	76	12	method	method	NOUN
issue-47	76	13	of	of	ADP
issue-47	76	14	k	k	NOUN
issue-47	76	15	-	-	PUNCT
issue-47	76	16	means	means	NOUN
issue-47	76	17	clustering	clustering	NOUN
issue-47	76	18	.	.	PUNCT
issue-47	77	1	in	in	ADP
issue-47	77	2	centroid	centroid	NOUN
issue-47	77	3	-	-	PUNCT
issue-47	77	4	based	base	VERB
issue-47	77	5	clustering	clustering	NOUN
issue-47	77	6	,	,	PUNCT
issue-47	77	7	clusters	cluster	NOUN
issue-47	77	8	are	be	AUX
issue-47	77	9	represented	represent	VERB
issue-47	77	10	with	with	ADP
issue-47	77	11	a	a	DET
issue-47	77	12	central	central	ADJ
issue-47	77	13	vector	vector	NOUN
issue-47	77	14	,	,	PUNCT
issue-47	77	15	which	which	PRON
issue-47	77	16	may	may	AUX
issue-47	77	17	not	not	PART
issue-47	77	18	necessarily	necessarily	ADV
issue-47	77	19	be	be	AUX
issue-47	77	20	a	a	DET
issue-47	77	21	member	member	NOUN
issue-47	77	22	of	of	ADP
issue-47	77	23	the	the	DET
issue-47	77	24	data	datum	NOUN
issue-47	77	25	set	set	VERB
issue-47	77	26	.	.	PUNCT
issue-47	78	1	when	when	SCONJ
issue-47	78	2	the	the	DET
issue-47	78	3	number	number	NOUN
issue-47	78	4	of	of	ADP
issue-47	78	5	clusters	cluster	NOUN
issue-47	78	6	is	be	AUX
issue-47	78	7	fixed	fix	VERB
issue-47	78	8	to	to	ADP
issue-47	78	9	k	k	PROPN
issue-47	78	10	,	,	PUNCT
issue-47	78	11	k	k	X
issue-47	78	12	-	-	PUNCT
issue-47	78	13	means	means	NOUN
issue-47	78	14	clustering	clustering	NOUN
issue-47	78	15	gives	give	VERB
issue-47	78	16	a	a	DET
issue-47	78	17	formal	formal	ADJ
issue-47	78	18	definition	definition	NOUN
issue-47	78	19	as	as	ADP
issue-47	78	20	an	an	DET
issue-47	78	21	optimization	optimization	NOUN
issue-47	78	22	problem	problem	NOUN
issue-47	78	23	:	:	PUNCT
issue-47	78	24	find	find	VERB
issue-47	78	25	the	the	DET
issue-47	78	26	k	k	ADJ
issue-47	78	27	-	-	PUNCT
issue-47	78	28	cluster	cluster	NOUN
issue-47	78	29	centers	center	NOUN
issue-47	78	30	and	and	CCONJ
issue-47	78	31	assign	assign	VERB
issue-47	78	32	the	the	DET
issue-47	78	33	objects	object	NOUN
issue-47	78	34	to	to	ADP
issue-47	78	35	the	the	DET
issue-47	78	36	nearest	near	ADJ
issue-47	78	37	cluster	cluster	NOUN
issue-47	78	38	center	center	NOUN
issue-47	78	39	,	,	PUNCT
issue-47	78	40	such	such	ADJ
issue-47	78	41	that	that	SCONJ
issue-47	78	42	the	the	DET
issue-47	78	43	squared	squared	ADJ
issue-47	78	44	distances	distance	NOUN
issue-47	78	45	from	from	ADP
issue-47	78	46	the	the	DET
issue-47	78	47	cluster	cluster	NOUN
issue-47	78	48	are	be	AUX
issue-47	78	49	minimized	minimize	VERB
issue-47	78	50	.	.	PUNCT
issue-47	79	1	most	most	ADJ
issue-47	79	2	k	k	ADJ
issue-47	79	3	-	-	PUNCT
issue-47	79	4	means	means	NOUN
issue-47	79	5	-	-	PUNCT
issue-47	79	6	type	type	NOUN
issue-47	79	7	algorithms	algorithm	NOUN
issue-47	79	8	require	require	VERB
issue-47	79	9	the	the	DET
issue-47	79	10	number	number	NOUN
issue-47	79	11	of	of	ADP
issue-47	79	12	clusters	cluster	NOUN
issue-47	79	13	–	–	PUNCT
issue-47	79	14	k	k	NOUN
issue-47	79	15	–	–	PUNCT
issue-47	79	16	to	to	PART
issue-47	79	17	be	be	AUX
issue-47	79	18	specified	specify	VERB
issue-47	79	19	in	in	ADP
issue-47	79	20	advance	advance	NOUN
issue-47	79	21	,	,	PUNCT
issue-47	79	22	which	which	PRON
issue-47	79	23	is	be	AUX
issue-47	79	24	considered	consider	VERB
issue-47	79	25	to	to	PART
issue-47	79	26	be	be	AUX
issue-47	79	27	one	one	NUM
issue-47	79	28	of	of	ADP
issue-47	79	29	the	the	DET
issue-47	79	30	biggest	big	ADJ
issue-47	79	31	drawbacks	drawback	NOUN
issue-47	79	32	of	of	ADP
issue-47	79	33	these	these	DET
issue-47	79	34	algorithms	algorithm	NOUN
issue-47	79	35	.	.	PUNCT
issue-47	80	1	we	we	PRON
issue-47	80	2	make	make	VERB
issue-47	80	3	no	no	DET
issue-47	80	4	a	a	DET
issue-47	80	5	priori	priori	ADJ
issue-47	80	6	decisions	decision	NOUN
issue-47	80	7	as	as	ADP
issue-47	80	8	to	to	ADP
issue-47	80	9	which	which	PRON
issue-47	80	10	choice	choice	NOUN
issue-47	80	11	variables	variable	NOUN
issue-47	80	12	are	be	AUX
issue-47	80	13	more	more	ADV
issue-47	80	14	important	important	ADJ
issue-47	80	15	in	in	ADP
issue-47	80	16	defining	define	VERB
issue-47	80	17	business	business	NOUN
issue-47	80	18	models	model	NOUN
issue-47	80	19	or	or	CCONJ
issue-47	80	20	as	as	ADP
issue-47	80	21	to	to	ADP
issue-47	80	22	the	the	DET
issue-47	80	23	general	general	ADJ
issue-47	80	24	profile	profile	NOUN
issue-47	80	25	of	of	ADP
issue-47	80	26	these	these	DET
issue-47	80	27	models	model	NOUN
issue-47	80	28	.	.	PUNCT
issue-47	81	1	assuming	assume	VERB
issue-47	81	2	that	that	SCONJ
issue-47	81	3	a	a	DET
issue-47	81	4	business	business	NOUN
issue-47	81	5	model	model	NOUN
issue-47	81	6	is	be	AUX
issue-47	81	7	an	an	DET
issue-47	81	8	"	"	PUNCT
issue-47	81	9	abstract	abstract	ADJ
issue-47	81	10	representation	representation	NOUN
issue-47	81	11	of	of	ADP
issue-47	81	12	an	an	DET
issue-47	81	13	organization	organization	NOUN
issue-47	81	14	,	,	PUNCT
issue-47	81	15	be	be	AUX
issue-47	81	16	it	it	PRON
issue-47	81	17	conceptual	conceptual	ADJ
issue-47	81	18	,	,	PUNCT
issue-47	81	19	textual	textual	ADJ
issue-47	81	20	,	,	PUNCT
issue-47	81	21	and/or	and/or	CCONJ
issue-47	81	22	graphical	graphical	ADJ
issue-47	81	23	,	,	PUNCT
issue-47	81	24	of	of	ADP
issue-47	81	25	all	all	DET
issue-47	81	26	core	core	NOUN
issue-47	81	27	interrelated	interrelate	VERB
issue-47	81	28	architectural	architectural	ADJ
issue-47	81	29	,	,	PUNCT
issue-47	81	30	co	co	ADJ
issue-47	81	31	-	-	ADJ
issue-47	81	32	operational	operational	ADJ
issue-47	81	33	,	,	PUNCT
issue-47	81	34	and	and	CCONJ
issue-47	81	35	financial	financial	ADJ
issue-47	81	36	arrangements	arrangement	NOUN
issue-47	81	37	designed	design	VERB
issue-47	81	38	and	and	CCONJ
issue-47	81	39	developed	develop	VERB
issue-47	81	40	with	with	ADP
issue-47	81	41	an	an	DET
issue-47	81	42	organization	organization	NOUN
issue-47	81	43	presently	presently	ADV
issue-47	81	44	and	and	CCONJ
issue-47	81	45	in	in	ADP
issue-47	81	46	the	the	DET
issue-47	81	47	future	future	NOUN
issue-47	81	48	,	,	PUNCT
issue-47	81	49	as	as	ADV
issue-47	81	50	well	well	ADV
issue-47	81	51	as	as	ADP
issue-47	81	52	all	all	DET
issue-47	81	53	core	core	NOUN
issue-47	81	54	products	product	NOUN
issue-47	81	55	and/or	and/or	CCONJ
issue-47	81	56	services	service	VERB
issue-47	81	57	the	the	DET
issue-47	81	58	organization	organization	NOUN
issue-47	81	59	offers	offer	VERB
issue-47	81	60	,	,	PUNCT
issue-47	81	61	or	or	CCONJ
issue-47	81	62	will	will	AUX
issue-47	81	63	offer	offer	VERB
issue-47	81	64	,	,	PUNCT
issue-47	81	65	based	base	VERB
issue-47	81	66	on	on	ADP
issue-47	81	67	these	these	DET
issue-47	81	68	arrangements	arrangement	NOUN
issue-47	81	69	that	that	PRON
issue-47	81	70	are	be	AUX
issue-47	81	71	needed	need	VERB
issue-47	81	72	to	to	PART
issue-47	81	73	achieve	achieve	VERB
issue-47	81	74	its	its	PRON
issue-47	81	75	strategic	strategic	ADJ
issue-47	81	76	goals	goal	NOUN
issue-47	81	77	and	and	CCONJ
issue-47	81	78	objectives	objective	NOUN
issue-47	81	79	"	"	PUNCT
issue-47	81	80	(	(	PUNCT
issue-47	81	81	al	al	PROPN
issue-47	81	82	-	-	PUNCT
issue-47	81	83	debei	debei	NOUN
issue-47	81	84	,	,	PUNCT
issue-47	81	85	m.	m.	NOUN
issue-47	81	86	m.	m.	NOUN
issue-47	81	87	,	,	PUNCT
issue-47	81	88	el	el	PROPN
issue-47	81	89	-	-	PUNCT
issue-47	81	90	haddadeh	haddadeh	PROPN
issue-47	81	91	,	,	PUNCT
issue-47	81	92	r.	r.	PROPN
issue-47	81	93	,	,	PUNCT
issue-47	81	94	&	&	CCONJ
issue-47	81	95	avison	avison	PROPN
issue-47	81	96	,	,	PUNCT
issue-47	81	97	d.	d.	PROPN
issue-47	81	98	,	,	PUNCT
issue-47	81	99	2008	2008	NUM
issue-47	81	100	)	)	PUNCT
issue-47	81	101	and	and	CCONJ
issue-47	81	102	accounting	account	VERB
issue-47	81	103	the	the	DET
issue-47	81	104	traditional	traditional	ADJ
issue-47	81	105	bank	bank	NOUN
issue-47	81	106	business	business	NOUN
issue-47	81	107	model	model	NOUN
issue-47	81	108	that	that	PRON
issue-47	81	109	was	be	AUX
issue-47	81	110	worked	work	VERB
issue-47	81	111	out	out	ADP
issue-47	81	112	earlier	early	ADV
issue-47	81	113	,	,	PUNCT
issue-47	81	114	we	we	PRON
issue-47	81	115	decided	decide	VERB
issue-47	81	116	that	that	SCONJ
issue-47	81	117	bank	bank	NOUN
issue-47	81	118	business	business	NOUN
issue-47	81	119	model	model	NOUN
issue-47	81	120	depends	depend	VERB
issue-47	81	121	,	,	PUNCT
issue-47	81	122	first	first	ADV
issue-47	81	123	of	of	ADP
issue-47	81	124	all	all	PRON
issue-47	81	125	,	,	PUNCT
issue-47	81	126	on	on	ADP
issue-47	81	127	the	the	DET
issue-47	81	128	customer	customer	NOUN
issue-47	81	129	segments	segment	NOUN
issue-47	81	130	.	.	PUNCT
issue-47	82	1	only	only	ADV
issue-47	82	2	with	with	ADP
issue-47	82	3	defining	define	VERB
issue-47	82	4	customer	customer	NOUN
issue-47	82	5	segment	segment	PROPN
issue-47	82	6	bank	bank	PROPN
issue-47	82	7	starts	start	VERB
issue-47	82	8	to	to	PART
issue-47	82	9	work	work	VERB
issue-47	82	10	out	out	ADP
issue-47	82	11	its	its	PRON
issue-47	82	12	further	further	ADJ
issue-47	82	13	business	business	NOUN
issue-47	82	14	model	model	NOUN
issue-47	82	15	.	.	PUNCT
issue-47	83	1	to	to	PART
issue-47	83	2	account	account	VERB
issue-47	83	3	for	for	ADP
issue-47	83	4	these	these	DET
issue-47	83	5	factors	factor	NOUN
issue-47	83	6	collectively	collectively	ADV
issue-47	83	7	seven	seven	NUM
issue-47	83	8	instruments	instrument	NOUN
issue-47	83	9	were	be	AUX
issue-47	83	10	used	use	VERB
issue-47	83	11	to	to	PART
issue-47	83	12	form	form	VERB
issue-47	83	13	the	the	DET
issue-47	83	14	clusters	cluster	NOUN
issue-47	83	15	.	.	PUNCT
issue-47	84	1	these	these	PRON
issue-47	84	2	were	be	AUX
issue-47	84	3	:	:	PUNCT
issue-47	84	4	bank	bank	NOUN
issue-47	84	5	loans	loan	NOUN
issue-47	84	6	(	(	PUNCT
issue-47	84	7	as	as	ADP
issue-47	84	8	%	%	NOUN
issue-47	84	9	of	of	ADP
issue-47	84	10	assets	asset	NOUN
issue-47	84	11	)	)	PUNCT
issue-47	84	12	.	.	PUNCT
issue-47	85	1	the	the	DET
issue-47	85	2	indicator	indicator	NOUN
issue-47	85	3	measures	measure	VERB
issue-47	85	4	the	the	DET
issue-47	85	5	scale	scale	NOUN
issue-47	85	6	of	of	ADP
issue-47	85	7	wholesale	wholesale	ADJ
issue-47	85	8	and	and	CCONJ
issue-47	85	9	interbank	interbank	NOUN
issue-47	85	10	activities	activity	NOUN
issue-47	85	11	,	,	PUNCT
issue-47	85	12	which	which	PRON
issue-47	85	13	proxy	proxy	NOUN
issue-47	85	14	for	for	ADP
issue-47	85	15	exposures	exposure	NOUN
issue-47	85	16	to	to	ADP
issue-47	85	17	risks	risk	NOUN
issue-47	85	18	arising	arise	VERB
issue-47	85	19	from	from	ADP
issue-47	85	20	interconnectedness	interconnectedness	NOUN
issue-47	85	21	in	in	ADP
issue-47	85	22	the	the	DET
issue-47	85	23	banking	banking	NOUN
issue-47	85	24	sector	sector	NOUN
issue-47	85	25	.	.	PUNCT
issue-47	86	1	bank	bank	NOUN
issue-47	86	2	liabilities	liability	NOUN
issue-47	86	3	(	(	PUNCT
issue-47	86	4	as	as	ADP
issue-47	86	5	%	%	NOUN
issue-47	86	6	of	of	ADP
issue-47	86	7	assets	asset	NOUN
issue-47	86	8	)	)	PUNCT
issue-47	86	9	.	.	PUNCT
issue-47	87	1	this	this	DET
issue-47	87	2	indicator	indicator	NOUN
issue-47	87	3	identifies	identify	VERB
issue-47	87	4	the	the	DET
issue-47	87	5	share	share	NOUN
issue-47	87	6	of	of	ADP
issue-47	87	7	liabilities	liability	NOUN
issue-47	87	8	of	of	ADP
issue-47	87	9	other	other	ADJ
issue-47	87	10	banks	bank	NOUN
issue-47	87	11	,	,	PUNCT
issue-47	87	12	including	include	VERB
issue-47	87	13	deposits	deposit	NOUN
issue-47	87	14	,	,	PUNCT
issue-47	87	15	issued	issue	VERB
issue-47	87	16	debt	debt	NOUN
issue-47	87	17	,	,	PUNCT
issue-47	87	18	and	and	CCONJ
issue-47	87	19	funds	fund	NOUN
issue-47	87	20	obtained	obtain	VERB
issue-47	87	21	from	from	ADP
issue-47	87	22	central	central	ADJ
issue-47	87	23	banks	bank	NOUN
issue-47	87	24	.	.	PUNCT
issue-47	88	1	banks	bank	NOUN
issue-47	88	2	with	with	ADP
issue-47	88	3	greater	great	ADJ
issue-47	88	4	interbank	interbank	NOUN
issue-47	88	5	funding	funding	NOUN
issue-47	88	6	requirements	requirement	NOUN
issue-47	88	7	,	,	PUNCT
issue-47	88	8	often	often	ADV
issue-47	88	9	due	due	ADP
issue-47	88	10	to	to	ADP
issue-47	88	11	an	an	DET
issue-47	88	12	excessive	excessive	ADJ
issue-47	88	13	reliance	reliance	NOUN
issue-47	88	14	on	on	ADP
issue-47	88	15	short	short	ADJ
issue-47	88	16	-	-	PUNCT
issue-47	88	17	term	term	NOUN
issue-47	88	18	funding	funding	NOUN
issue-47	88	19	,	,	PUNCT
issue-47	88	20	faced	face	VERB
issue-47	88	21	severe	severe	ADJ
issue-47	88	22	problems	problem	NOUN
issue-47	88	23	in	in	ADP
issue-47	88	24	the	the	DET
issue-47	88	25	earlier	early	ADJ
issue-47	88	26	phases	phase	NOUN
issue-47	88	27	of	of	ADP
issue-47	88	28	the	the	DET
issue-47	88	29	crisis	crisis	NOUN
issue-47	88	30	.	.	PUNCT
issue-47	89	1	enterprise	enterprise	NOUN
issue-47	89	2	loans	loan	NOUN
issue-47	89	3	(	(	PUNCT
issue-47	89	4	as	as	ADP
issue-47	89	5	%	%	NOUN
issue-47	89	6	of	of	ADP
issue-47	89	7	assets	asset	NOUN
issue-47	89	8	)	)	PUNCT
issue-47	89	9	.	.	PUNCT
issue-47	90	1	this	this	DET
issue-47	90	2	indicator	indicator	NOUN
issue-47	90	3	identifies	identify	VERB
issue-47	90	4	the	the	DET
issue-47	90	5	share	share	NOUN
issue-47	90	6	of	of	ADP
issue-47	90	7	loans	loan	NOUN
issue-47	90	8	to	to	ADP
issue-47	90	9	enterprise	enterprise	NOUN
issue-47	90	10	and	and	CCONJ
issue-47	90	11	shows	show	VERB
issue-47	90	12	what	what	PRON
issue-47	90	13	part	part	NOUN
issue-47	90	14	of	of	ADP
issue-47	90	15	credit	credit	NOUN
issue-47	90	16	resources	resource	NOUN
issue-47	90	17	directed	direct	VERB
issue-47	90	18	to	to	ADP
issue-47	90	19	supporting	support	VERB
issue-47	90	20	and	and	CCONJ
issue-47	90	21	providing	providing	NOUN
issue-47	90	22	of	of	ADP
issue-47	90	23	economic	economic	ADJ
issue-47	90	24	branches	branch	NOUN
issue-47	90	25	development	development	NOUN
issue-47	90	26	.	.	PUNCT
issue-47	91	1	enterprise	enterprise	NOUN
issue-47	91	2	liabilities	liability	NOUN
issue-47	91	3	(	(	PUNCT
issue-47	91	4	as	as	ADP
issue-47	91	5	%	%	NOUN
issue-47	91	6	of	of	ADP
issue-47	91	7	assets	asset	NOUN
issue-47	91	8	)	)	PUNCT
issue-47	91	9	.	.	PUNCT
issue-47	92	1	this	this	DET
issue-47	92	2	indicator	indicator	NOUN
issue-47	92	3	identifies	identify	VERB
issue-47	92	4	the	the	DET
issue-47	92	5	share	share	NOUN
issue-47	92	6	of	of	ADP
issue-47	92	7	deposits	deposit	NOUN
issue-47	92	8	from	from	ADP
issue-47	92	9	enterprises	enterprise	NOUN
issue-47	92	10	,	,	PUNCT
issue-47	92	11	in	in	ADP
issue-47	92	12	the	the	DET
issue-47	92	13	total	total	ADJ
issue-47	92	14	balance	balance	NOUN
issue-47	92	15	sheet	sheet	NOUN
issue-47	92	16	,	,	PUNCT
issue-47	92	17	indicating	indicate	VERB
issue-47	92	18	a	a	DET
issue-47	92	19	reliance	reliance	NOUN
issue-47	92	20	on	on	ADP
issue-47	92	21	more	more	ADV
issue-47	92	22	traditional	traditional	ADJ
issue-47	92	23	funding	funding	NOUN
issue-47	92	24	sources	source	NOUN
issue-47	92	25	and	and	CCONJ
issue-47	92	26	preference	preference	NOUN
issue-47	92	27	of	of	ADP
issue-47	92	28	corporate	corporate	ADJ
issue-47	92	29	segment	segment	NOUN
issue-47	92	30	.	.	PUNCT
issue-47	93	1	household	household	NOUN
issue-47	93	2	loans	loan	NOUN
issue-47	93	3	(	(	PUNCT
issue-47	93	4	as	as	ADP
issue-47	93	5	%	%	NOUN
issue-47	93	6	of	of	ADP
issue-47	93	7	assets	asset	NOUN
issue-47	93	8	)	)	PUNCT
issue-47	93	9	.	.	PUNCT
issue-47	94	1	this	this	DET
issue-47	94	2	indicator	indicator	NOUN
issue-47	94	3	identifies	identify	VERB
issue-47	94	4	the	the	DET
issue-47	94	5	share	share	NOUN
issue-47	94	6	of	of	ADP
issue-47	94	7	loans	loan	NOUN
issue-47	94	8	to	to	ADP
issue-47	94	9	households	household	NOUN
issue-47	94	10	and	and	CCONJ
issue-47	94	11	shows	show	VERB
issue-47	94	12	what	what	PRON
issue-47	94	13	part	part	NOUN
issue-47	94	14	of	of	ADP
issue-47	94	15	credit	credit	NOUN
issue-47	94	16	resources	resource	NOUN
issue-47	94	17	directed	direct	VERB
issue-47	94	18	to	to	ADP
issue-47	94	19	retail	retail	ADJ
issue-47	94	20	market	market	NOUN
issue-47	94	21	.	.	PUNCT
issue-47	95	1	household	household	NOUN
issue-47	95	2	liabilities	liability	NOUN
issue-47	95	3	(	(	PUNCT
issue-47	95	4	as	as	ADP
issue-47	95	5	%	%	NOUN
issue-47	95	6	of	of	ADP
issue-47	95	7	assets	asset	NOUN
issue-47	95	8	)	)	PUNCT
issue-47	95	9	.	.	PUNCT
issue-47	96	1	this	this	DET
issue-47	96	2	indicator	indicator	NOUN
issue-47	96	3	identifies	identify	VERB
issue-47	96	4	the	the	DET
issue-47	96	5	share	share	NOUN
issue-47	96	6	of	of	ADP
issue-47	96	7	deposits	deposit	NOUN
issue-47	96	8	from	from	ADP
issue-47	96	9	households	household	NOUN
issue-47	96	10	in	in	ADP
issue-47	96	11	the	the	DET
issue-47	96	12	total	total	ADJ
issue-47	96	13	balance	balance	NOUN
issue-47	96	14	sheet	sheet	NOUN
issue-47	96	15	,	,	PUNCT
issue-47	96	16	indicating	indicate	VERB
issue-47	96	17	a	a	DET
issue-47	96	18	reliance	reliance	NOUN
issue-47	96	19	on	on	ADP
issue-47	96	20	more	more	ADV
issue-47	96	21	traditional	traditional	ADJ
issue-47	96	22	funding	funding	NOUN
issue-47	96	23	sources	source	NOUN
issue-47	96	24	.	.	PUNCT
issue-47	97	1	trading	trading	NOUN
issue-47	97	2	assets	asset	NOUN
issue-47	97	3	(	(	PUNCT
issue-47	97	4	as	as	ADP
issue-47	97	5	%	%	NOUN
issue-47	97	6	of	of	ADP
issue-47	97	7	assets	asset	NOUN
issue-47	97	8	)	)	PUNCT
issue-47	97	9	.	.	PUNCT
issue-47	98	1	these	these	PRON
issue-47	98	2	are	be	AUX
issue-47	98	3	defined	define	VERB
issue-47	98	4	as	as	ADP
issue-47	98	5	non	non	ADJ
issue-47	98	6	-	-	ADJ
issue-47	98	7	cash	cash	ADJ
issue-47	98	8	assets	asset	NOUN
issue-47	98	9	other	other	ADJ
issue-47	98	10	than	than	ADP
issue-47	98	11	loans	loan	NOUN
issue-47	98	12	;	;	PUNCT
issue-47	98	13	a	a	DET
issue-47	98	14	greater	great	ADJ
issue-47	98	15	value	value	NOUN
issue-47	98	16	would	would	AUX
issue-47	98	17	indicate	indicate	VERB
issue-47	98	18	the	the	DET
issue-47	98	19	prevalence	prevalence	NOUN
issue-47	98	20	of	of	ADP
issue-47	98	21	investment	investment	NOUN
issue-47	98	22	activities	activity	NOUN
issue-47	98	23	that	that	PRON
issue-47	98	24	are	be	AUX
issue-47	98	25	prone	prone	ADJ
issue-47	98	26	to	to	ADP
issue-47	98	27	market	market	NOUN
issue-47	98	28	and	and	CCONJ
issue-47	98	29	liquidity	liquidity	NOUN
issue-47	98	30	risks	risk	NOUN
issue-47	98	31	.	.	PUNCT
issue-47	99	1	the	the	DET
issue-47	99	2	procedure	procedure	NOUN
issue-47	99	3	of	of	ADP
issue-47	99	4	objects	object	NOUN
issue-47	99	5	clustering	cluster	VERB
issue-47	99	6	on	on	ADP
issue-47	99	7	the	the	DET
issue-47	99	8	base	base	NOUN
issue-47	99	9	of	of	ADP
issue-47	99	10	k	k	NOUN
issue-47	99	11	-	-	PUNCT
issue-47	99	12	means	means	NOUN
issue-47	99	13	method	method	NOUN
issue-47	99	14	is	be	AUX
issue-47	99	15	realized	realize	VERB
issue-47	99	16	in	in	ADP
issue-47	99	17	a	a	DET
issue-47	99	18	calculable	calculable	ADJ
issue-47	99	19	application	application	NOUN
issue-47	99	20	package	package	NOUN
issue-47	99	21	“	"	PUNCT
issue-47	99	22	statistica	statistica	NOUN
issue-47	99	23	”	"	PUNCT
issue-47	99	24	in	in	ADP
issue-47	99	25	the	the	DET
issue-47	99	26	module	module	NOUN
issue-47	99	27	"	"	PUNCT
issue-47	99	28	cluster	cluster	NOUN
issue-47	99	29	analysis	analysis	NOUN
issue-47	99	30	"	"	PUNCT
issue-47	99	31	.	.	PUNCT
issue-47	100	1	cluster	cluster	NOUN
issue-47	100	2	analysis	analysis	NOUN
issue-47	100	3	was	be	AUX
issue-47	100	4	carried	carry	VERB
issue-47	100	5	out	out	ADP
issue-47	100	6	on	on	ADP
issue-47	100	7	the	the	DET
issue-47	100	8	base	base	NOUN
issue-47	100	9	of	of	ADP
issue-47	100	10	activity	activity	NOUN
issue-47	100	11	indicators	indicator	NOUN
issue-47	100	12	of	of	ADP
issue-47	100	13	131	131	NUM
issue-47	100	14	ukrainian	ukrainian	ADJ
issue-47	100	15	banks	bank	NOUN
issue-47	100	16	on	on	ADP
issue-47	100	17	january	january	PROPN
issue-47	100	18	,	,	PUNCT
issue-47	100	19	1	1	NUM
issue-47	100	20	,	,	PUNCT
issue-47	100	21	2015	2015	NUM
issue-47	100	22	.	.	PUNCT
issue-47	101	1	it	it	PRON
issue-47	101	2	is	be	AUX
issue-47	101	3	important	important	ADJ
issue-47	101	4	to	to	PART
issue-47	101	5	highlight	highlight	VERB
issue-47	101	6	that	that	PRON
issue-47	101	7	cluster	cluster	NOUN
issue-47	101	8	analysis	analysis	NOUN
issue-47	101	9	is	be	AUX
issue-47	101	10	an	an	DET
issue-47	101	11	inexact	inexact	ADJ
issue-47	101	12	science	science	NOUN
issue-47	101	13	.	.	PUNCT
issue-47	102	1	the	the	DET
issue-47	102	2	assignment	assignment	NOUN
issue-47	102	3	of	of	ADP
issue-47	102	4	individual	individual	ADJ
issue-47	102	5	banks	bank	NOUN
issue-47	102	6	to	to	ADP
issue-47	102	7	a	a	DET
issue-47	102	8	baltic	baltic	ADJ
issue-47	102	9	journal	journal	NOUN
issue-47	102	10	of	of	ADP
issue-47	102	11	economic	economic	ADJ
issue-47	102	12	studies	study	NOUN
issue-47	102	13	118	118	NUM
issue-47	102	14	vol	vol	NOUN
issue-47	102	15	.	.	PROPN
issue-47	102	16	1	1	NUM
issue-47	102	17	,	,	PUNCT
issue-47	102	18	no	no	INTJ
issue-47	102	19	.	.	NOUN
issue-47	102	20	2	2	NUM
issue-47	102	21	,	,	PUNCT
issue-47	102	22	2015	2015	NUM
issue-47	102	23	specific	specific	ADJ
issue-47	102	24	cluster	cluster	NOUN
issue-47	102	25	,	,	PUNCT
issue-47	102	26	or	or	CCONJ
issue-47	102	27	model	model	NOUN
issue-47	102	28	,	,	PUNCT
issue-47	102	29	depends	depend	VERB
issue-47	102	30	crucially	crucially	ADV
issue-47	102	31	on	on	ADP
issue-47	102	32	the	the	DET
issue-47	102	33	choice	choice	NOUN
issue-47	102	34	of	of	ADP
issue-47	102	35	instruments	instrument	NOUN
issue-47	102	36	and	and	CCONJ
issue-47	102	37	procedures	procedure	NOUN
issue-47	102	38	,	,	PUNCT
issue-47	102	39	such	such	ADJ
issue-47	102	40	as	as	ADP
issue-47	102	41	the	the	DET
issue-47	102	42	proximity	proximity	NOUN
issue-47	102	43	metric	metric	NOUN
issue-47	102	44	,	,	PUNCT
issue-47	102	45	procedures	procedure	NOUN
issue-47	102	46	for	for	ADP
issue-47	102	47	forming	form	VERB
issue-47	102	48	clusters	cluster	NOUN
issue-47	102	49	and	and	CCONJ
issue-47	102	50	the	the	DET
issue-47	102	51	stopping	stopping	NOUN
issue-47	102	52	rules	rule	NOUN
issue-47	102	53	used	use	VERB
issue-47	102	54	.	.	PUNCT
issue-47	103	1	4	4	X
issue-47	103	2	.	.	X
issue-47	103	3	bank	bank	NOUN
issue-47	103	4	business	business	NOUN
issue-47	103	5	models	model	NOUN
issue-47	103	6	in	in	ADP
issue-47	103	7	ukraine	ukraine	NOUN
issue-47	103	8	:	:	PUNCT
issue-47	103	9	results	result	NOUN
issue-47	103	10	of	of	ADP
issue-47	103	11	clustering	cluster	VERB
issue-47	103	12	the	the	DET
issue-47	103	13	clustering	clustering	ADJ
issue-47	103	14	analysis	analysis	NOUN
issue-47	103	15	identified	identify	VERB
issue-47	103	16	four	four	NUM
issue-47	103	17	models	model	NOUN
issue-47	103	18	as	as	ADP
issue-47	103	19	the	the	DET
issue-47	103	20	most	most	ADV
issue-47	103	21	distinct	distinct	ADJ
issue-47	103	22	form	form	NOUN
issue-47	103	23	of	of	ADP
issue-47	103	24	clustering	clustering	NOUN
issue-47	103	25	.	.	PUNCT
issue-47	104	1	table	table	NOUN
issue-47	104	2	2	2	NUM
issue-47	104	3	gives	give	VERB
issue-47	104	4	the	the	DET
issue-47	104	5	descriptive	descriptive	ADJ
issue-47	104	6	statistics	statistic	NOUN
issue-47	104	7	for	for	ADP
issue-47	104	8	the	the	DET
issue-47	104	9	four	four	NUM
issue-47	104	10	models	model	NOUN
issue-47	104	11	resulting	result	VERB
issue-47	104	12	from	from	ADP
issue-47	104	13	the	the	DET
issue-47	104	14	cluster	cluster	NOUN
issue-47	104	15	analysis	analysis	NOUN
issue-47	104	16	based	base	VERB
issue-47	104	17	on	on	ADP
issue-47	104	18	the	the	DET
issue-47	104	19	seven	seven	NUM
issue-47	104	20	selected	select	VERB
issue-47	104	21	balance	balance	NOUN
issue-47	104	22	sheet	sheet	NOUN
issue-47	104	23	indicators	indicator	NOUN
issue-47	104	24	.	.	PUNCT
issue-47	105	1	next	next	ADV
issue-47	105	2	,	,	PUNCT
issue-47	105	3	an	an	DET
issue-47	105	4	overview	overview	NOUN
issue-47	105	5	of	of	ADP
issue-47	105	6	the	the	DET
issue-47	105	7	main	main	ADJ
issue-47	105	8	structural	structural	ADJ
issue-47	105	9	attributes	attribute	NOUN
issue-47	105	10	of	of	ADP
issue-47	105	11	the	the	DET
issue-47	105	12	clusters	cluster	NOUN
issue-47	105	13	is	be	AUX
issue-47	105	14	provided	provide	VERB
issue-47	105	15	.	.	PUNCT
issue-47	106	1	it	it	PRON
issue-47	106	2	is	be	AUX
issue-47	106	3	important	important	ADJ
issue-47	106	4	to	to	PART
issue-47	106	5	highlight	highlight	VERB
issue-47	106	6	once	once	ADV
issue-47	106	7	again	again	ADV
issue-47	106	8	that	that	SCONJ
issue-47	106	9	the	the	DET
issue-47	106	10	instruments	instrument	NOUN
issue-47	106	11	used	use	VERB
issue-47	106	12	in	in	ADP
issue-47	106	13	the	the	DET
issue-47	106	14	clustering	clustering	NOUN
issue-47	106	15	are	be	AUX
issue-47	106	16	a	a	DET
issue-47	106	17	subset	subset	NOUN
issue-47	106	18	of	of	ADP
issue-47	106	19	the	the	DET
issue-47	106	20	entire	entire	ADJ
issue-47	106	21	set	set	NOUN
issue-47	106	22	of	of	ADP
issue-47	106	23	variables	variable	NOUN
issue-47	106	24	in	in	ADP
issue-47	106	25	the	the	DET
issue-47	106	26	sample	sample	NOUN
issue-47	106	27	.	.	PUNCT
issue-47	107	1	comparison	comparison	NOUN
issue-47	107	2	of	of	ADP
issue-47	107	3	clusters	cluster	NOUN
issue-47	107	4	is	be	AUX
issue-47	107	5	given	give	VERB
issue-47	107	6	on	on	ADP
issue-47	107	7	figure	figure	NOUN
issue-47	107	8	1	1	NUM
issue-47	107	9	.	.	PUNCT
issue-47	108	1	the	the	DET
issue-47	108	2	first	first	ADJ
issue-47	108	3	business	business	NOUN
issue-47	108	4	model	model	NOUN
issue-47	108	5	group	group	NOUN
issue-47	108	6	was	be	AUX
issue-47	108	7	named	name	VERB
issue-47	108	8	“	"	PUNCT
issue-47	108	9	focused	focus	VERB
issue-47	108	10	retail	retail	NOUN
issue-47	108	11	”	"	PUNCT
issue-47	108	12	,	,	PUNCT
issue-47	108	13	and	and	CCONJ
issue-47	108	14	it	it	PRON
issue-47	108	15	is	be	AUX
issue-47	108	16	characterized	characterize	VERB
issue-47	108	17	with	with	ADP
issue-47	108	18	a	a	DET
issue-47	108	19	high	high	ADJ
issue-47	108	20	share	share	NOUN
issue-47	108	21	of	of	ADP
issue-47	108	22	enterprise	enterprise	NOUN
issue-47	108	23	loans	loan	NOUN
issue-47	108	24	on	on	ADP
issue-47	108	25	the	the	DET
issue-47	108	26	balance	balance	NOUN
issue-47	108	27	sheet	sheet	NOUN
issue-47	108	28	and	and	CCONJ
issue-47	108	29	high	high	ADJ
issue-47	108	30	reliance	reliance	NOUN
issue-47	108	31	on	on	ADP
issue-47	108	32	stable	stable	ADJ
issue-47	108	33	funding	funding	NOUN
issue-47	108	34	sources	source	NOUN
issue-47	108	35	including	include	VERB
issue-47	108	36	deposits	deposit	NOUN
issue-47	108	37	.	.	PUNCT
issue-47	109	1	in	in	ADP
issue-47	109	2	fact	fact	NOUN
issue-47	109	3	,	,	PUNCT
issue-47	109	4	customer	customer	NOUN
issue-47	109	5	(	(	PUNCT
issue-47	109	6	enterprise	enterprise	NOUN
issue-47	109	7	and	and	CCONJ
issue-47	109	8	household	household	NOUN
issue-47	109	9	)	)	PUNCT
issue-47	109	10	deposits	deposit	NOUN
issue-47	109	11	are	be	AUX
issue-47	109	12	about	about	ADV
issue-47	109	13	two	two	NUM
issue-47	109	14	thirds	third	NOUN
issue-47	109	15	of	of	ADP
issue-47	109	16	the	the	DET
issue-47	109	17	overall	overall	ADJ
issue-47	109	18	liabilities	liability	NOUN
issue-47	109	19	of	of	ADP
issue-47	109	20	the	the	DET
issue-47	109	21	average	average	ADJ
issue-47	109	22	bank	bank	NOUN
issue-47	109	23	in	in	ADP
issue-47	109	24	this	this	DET
issue-47	109	25	group	group	NOUN
issue-47	109	26	.	.	PUNCT
issue-47	110	1	this	this	PRON
issue-47	110	2	is	be	AUX
issue-47	110	3	the	the	DET
issue-47	110	4	largest	large	ADJ
issue-47	110	5	group	group	NOUN
issue-47	110	6	in	in	ADP
issue-47	110	7	our	our	PRON
issue-47	110	8	research	research	NOUN
issue-47	110	9	with	with	ADP
issue-47	110	10	74	74	NUM
issue-47	110	11	banks	bank	NOUN
issue-47	110	12	.	.	PUNCT
issue-47	111	1	so	so	ADV
issue-47	111	2	this	this	DET
issue-47	111	3	group	group	NOUN
issue-47	111	4	of	of	ADP
issue-47	111	5	banks	bank	NOUN
issue-47	111	6	,	,	PUNCT
issue-47	111	7	in	in	ADP
issue-47	111	8	practice	practice	NOUN
issue-47	111	9	,	,	PUNCT
issue-47	111	10	realizes	realize	VERB
issue-47	111	11	the	the	DET
issue-47	111	12	main	main	ADJ
issue-47	111	13	task	task	NOUN
issue-47	111	14	of	of	ADP
issue-47	111	15	banking	banking	NOUN
issue-47	111	16	system	system	NOUN
issue-47	111	17	:	:	PUNCT
issue-47	111	18	transformation	transformation	NOUN
issue-47	111	19	of	of	ADP
issue-47	111	20	household	household	NOUN
issue-47	111	21	savings	saving	NOUN
issue-47	111	22	in	in	ADP
issue-47	111	23	credit	credit	NOUN
issue-47	111	24	resources	resource	NOUN
issue-47	111	25	for	for	ADP
issue-47	111	26	the	the	DET
issue-47	111	27	enterprises	enterprise	NOUN
issue-47	111	28	that	that	PRON
issue-47	111	29	can	can	AUX
issue-47	111	30	provide	provide	VERB
issue-47	111	31	economy	economy	NOUN
issue-47	111	32	growth	growth	NOUN
issue-47	111	33	in	in	ADP
issue-47	111	34	future	future	NOUN
issue-47	111	35	.	.	PUNCT
issue-47	112	1	0	0	NUM
issue-47	112	2	20	20	NUM
issue-47	112	3	40	40	NUM
issue-47	112	4	60	60	NUM
issue-47	112	5	80	80	NUM
issue-47	112	6	bank	bank	NOUN
issue-47	112	7	loans	loan	NOUN
issue-47	112	8	bank	bank	NOUN
issue-47	112	9	liabilities	liability	NOUN
issue-47	112	10	enterprise	enterprise	NOUN
issue-47	112	11	loans	loan	NOUN
issue-47	112	12	enterprise	enterprise	NOUN
issue-47	112	13	liabilitieshousehold	liabilitieshousehold	ADJ
issue-47	112	14	loans	loan	NOUN
issue-47	112	15	household	household	NOUN
issue-47	112	16	liabilities	liability	NOUN
issue-47	112	17	trading	trading	NOUN
issue-47	112	18	assets	asset	NOUN
issue-47	112	19	focused	focus	VERB
issue-47	112	20	retail	retail	ADJ
issue-47	112	21	diversified	diversify	VERB
issue-47	112	22	retail	retail	ADJ
issue-47	112	23	corporative	corporative	ADJ
issue-47	112	24	retail	retail	ADJ
issue-47	112	25	fig	fig	NOUN
issue-47	112	26	.	.	PUNCT
issue-47	113	1	1	1	X
issue-47	113	2	.	.	X
issue-47	113	3	comparison	comparison	NOUN
issue-47	113	4	of	of	ADP
issue-47	113	5	clusters	cluster	NOUN
issue-47	113	6	(	(	PUNCT
issue-47	113	7	values	value	NOUN
issue-47	113	8	of	of	ADP
issue-47	113	9	ratios	ratio	NOUN
issue-47	113	10	to	to	PART
issue-47	113	11	total	total	ADJ
issue-47	113	12	assets	asset	NOUN
issue-47	113	13	in	in	ADP
issue-47	113	14	per	per	ADP
issue-47	113	15	cent	cent	NOUN
issue-47	113	16	)	)	PUNCT
issue-47	113	17	sources	source	NOUN
issue-47	113	18	:	:	PUNCT
issue-47	113	19	authors	author	NOUN
issue-47	113	20	’	'	PUNCT
issue-47	113	21	calculation	calculation	NOUN
issue-47	113	22	the	the	DET
issue-47	113	23	second	second	ADJ
issue-47	113	24	business	business	NOUN
issue-47	113	25	model	model	NOUN
issue-47	113	26	group	group	NOUN
issue-47	113	27	was	be	AUX
issue-47	113	28	labeled	label	VERB
issue-47	113	29	as	as	ADP
issue-47	113	30	“	"	PUNCT
issue-47	113	31	diversified	diversified	ADJ
issue-47	113	32	retail	retail	NOUN
issue-47	113	33	”	"	PUNCT
issue-47	113	34	.	.	PUNCT
issue-47	114	1	the	the	DET
issue-47	114	2	banks	bank	NOUN
issue-47	114	3	in	in	ADP
issue-47	114	4	this	this	DET
issue-47	114	5	group	group	NOUN
issue-47	114	6	can	can	AUX
issue-47	114	7	be	be	AUX
issue-47	114	8	described	describe	VERB
issue-47	114	9	as	as	ADP
issue-47	114	10	universal	universal	ADJ
issue-47	114	11	banks	bank	NOUN
issue-47	114	12	,	,	PUNCT
issue-47	114	13	so	so	SCONJ
issue-47	115	1	they	they	PRON
issue-47	115	2	do	do	AUX
issue-47	115	3	n’t	not	PART
issue-47	115	4	have	have	VERB
issue-47	115	5	prefers	prefer	NOUN
issue-47	115	6	in	in	ADP
issue-47	115	7	the	the	DET
issue-47	115	8	one	one	NUM
issue-47	115	9	direction	direction	NOUN
issue-47	115	10	of	of	ADP
issue-47	115	11	banking	banking	NOUN
issue-47	115	12	activity	activity	NOUN
issue-47	115	13	.	.	PUNCT
issue-47	116	1	they	they	PRON
issue-47	116	2	function	function	VERB
issue-47	116	3	on	on	ADP
issue-47	116	4	the	the	DET
issue-47	116	5	financial	financial	ADJ
issue-47	116	6	market	market	NOUN
issue-47	116	7	using	use	VERB
issue-47	116	8	all	all	DET
issue-47	116	9	channels	channel	NOUN
issue-47	116	10	of	of	ADP
issue-47	116	11	attraction	attraction	NOUN
issue-47	116	12	and	and	CCONJ
issue-47	116	13	placing	place	VERB
issue-47	116	14	resources	resource	NOUN
issue-47	116	15	.	.	PUNCT
issue-47	117	1	this	this	DET
issue-47	117	2	group	group	NOUN
issue-47	117	3	counts	count	VERB
issue-47	117	4	39	39	NUM
issue-47	117	5	banks	bank	NOUN
issue-47	117	6	.	.	PUNCT
issue-47	118	1	the	the	DET
issue-47	118	2	third	third	ADJ
issue-47	118	3	business	business	NOUN
issue-47	118	4	model	model	NOUN
issue-47	118	5	group	group	NOUN
issue-47	118	6	we	we	PRON
issue-47	118	7	labeled	label	VERB
issue-47	118	8	“	"	PUNCT
issue-47	118	9	corporative	corporative	ADJ
issue-47	118	10	retail	retail	NOUN
issue-47	118	11	”	"	PUNCT
issue-47	118	12	as	as	SCONJ
issue-47	118	13	primarily	primarily	ADV
issue-47	118	14	banks	bank	NOUN
issue-47	118	15	of	of	ADP
issue-47	118	16	this	this	DET
issue-47	118	17	group	group	NOUN
issue-47	118	18	serve	serve	VERB
issue-47	118	19	enterprises	enterprise	NOUN
issue-47	118	20	attracting	attract	VERB
issue-47	118	21	financial	financial	ADJ
issue-47	118	22	resources	resource	NOUN
issue-47	118	23	,	,	PUNCT
issue-47	118	24	giving	give	VERB
issue-47	118	25	loans	loan	NOUN
issue-47	118	26	and	and	CCONJ
issue-47	118	27	even	even	ADV
issue-47	118	28	making	make	VERB
issue-47	118	29	investments	investment	NOUN
issue-47	118	30	.	.	PUNCT
issue-47	119	1	this	this	DET
issue-47	119	2	group	group	NOUN
issue-47	119	3	counts	count	VERB
issue-47	119	4	only	only	ADV
issue-47	119	5	18	18	NUM
issue-47	119	6	banks	bank	NOUN
issue-47	119	7	.	.	PUNCT
issue-47	120	1	table	table	NOUN
issue-47	120	2	3	3	NUM
issue-47	120	3	characterizes	characterize	VERB
issue-47	120	4	the	the	DET
issue-47	120	5	three	three	NUM
issue-47	120	6	business	business	NOUN
issue-47	120	7	model	model	NOUN
issue-47	120	8	profiles	profile	NOUN
issue-47	120	9	depending	depend	VERB
issue-47	120	10	on	on	ADP
issue-47	120	11	all	all	DET
issue-47	120	12	seven	seven	NUM
issue-47	120	13	chosen	choose	VERB
issue-47	120	14	variables	variable	NOUN
issue-47	120	15	.	.	PUNCT
issue-47	121	1	there	there	PRON
issue-47	121	2	is	be	VERB
issue-47	121	3	specified	specify	VERB
issue-47	121	4	the	the	DET
issue-47	121	5	average	average	ADJ
issue-47	121	6	ratio	ratio	NOUN
issue-47	121	7	of	of	ADP
issue-47	121	8	all	all	DET
issue-47	121	9	variables	variable	NOUN
issue-47	121	10	for	for	ADP
issue-47	121	11	all	all	DET
issue-47	121	12	banks	bank	NOUN
issue-47	121	13	that	that	PRON
issue-47	121	14	were	be	AUX
issue-47	121	15	classified	classify	VERB
issue-47	121	16	in	in	ADP
issue-47	121	17	the	the	DET
issue-47	121	18	corresponding	corresponding	ADJ
issue-47	121	19	business	business	NOUN
issue-47	121	20	model	model	NOUN
issue-47	121	21	(	(	PUNCT
issue-47	121	22	columns	column	NOUN
issue-47	121	23	)	)	PUNCT
issue-47	121	24	.	.	PUNCT
issue-47	122	1	table	table	NOUN
issue-47	122	2	3	3	NUM
issue-47	122	3	business	business	NOUN
issue-47	122	4	models	model	NOUN
issue-47	122	5	profiles	profile	NOUN
issue-47	122	6	(	(	PUNCT
issue-47	122	7	average	average	ADJ
issue-47	122	8	value	value	NOUN
issue-47	122	9	of	of	ADP
issue-47	122	10	ratios	ratio	NOUN
issue-47	122	11	to	to	ADP
issue-47	122	12	total	total	ADJ
issue-47	122	13	assets	asset	NOUN
issue-47	122	14	,	,	PUNCT
issue-47	122	15	%	%	INTJ
issue-47	122	16	)	)	PUNCT
issue-47	122	17	chosen	choose	VERB
issue-47	122	18	variebles	varieble	NOUN
issue-47	122	19	focused	focus	VERB
issue-47	122	20	retail	retail	ADJ
issue-47	122	21	diversified	diversify	VERB
issue-47	122	22	retail	retail	ADJ
issue-47	122	23	corporative	corporative	ADJ
issue-47	122	24	retail	retail	ADJ
issue-47	122	25	bank	bank	NOUN
issue-47	122	26	loans	loan	NOUN
issue-47	122	27	3,21	3,21	NUM
issue-47	122	28	7,39	7,39	NOUN
issue-47	122	29	2,62	2,62	NUM
issue-47	122	30	bank	bank	NOUN
issue-47	122	31	liabilities	liability	NOUN
issue-47	122	32	14,21	14,21	NUM
issue-47	122	33	13,75	13,75	ADJ
issue-47	122	34	8,63	8,63	NOUN
issue-47	122	35	enterprise	enterprise	NOUN
issue-47	122	36	loans	loan	NOUN
issue-47	122	37	62,22	62,22	NOUN
issue-47	122	38	33,46	33,46	NUM
issue-47	122	39	55,75	55,75	NUM
issue-47	122	40	enterprise	enterprise	NOUN
issue-47	122	41	liabilities	liability	NOUN
issue-47	122	42	25,11	25,11	NUM
issue-47	122	43	20,63	20,63	NUM
issue-47	122	44	38,75	38,75	NOUN
issue-47	122	45	household	household	NOUN
issue-47	122	46	loans	loan	NOUN
issue-47	122	47	4,79	4,79	NOUN
issue-47	123	1	14,51	14,51	NUM
issue-47	123	2	4,29	4,29	NUM
issue-47	123	3	household	household	NOUN
issue-47	123	4	liabilities	liability	NOUN
issue-47	123	5	28,68	28,68	NUM
issue-47	123	6	25,31	25,31	NUM
issue-47	123	7	20,89	20,89	ADJ
issue-47	123	8	trading	trading	NOUN
issue-47	123	9	assets	asset	NOUN
issue-47	123	10	7,15	7,15	NUM
issue-47	123	11	9,60	9,60	NUM
issue-47	123	12	11,42	11,42	NUM
issue-47	123	13	sources	source	NOUN
issue-47	123	14	:	:	PUNCT
issue-47	123	15	authors	author	NOUN
issue-47	123	16	’	’	PART
issue-47	123	17	calculation	calculation	NOUN
issue-47	123	18	as	as	SCONJ
issue-47	123	19	we	we	PRON
issue-47	123	20	can	can	AUX
issue-47	123	21	see	see	VERB
issue-47	123	22	from	from	ADP
issue-47	123	23	the	the	DET
issue-47	123	24	table	table	NOUN
issue-47	123	25	,	,	PUNCT
issue-47	123	26	the	the	DET
issue-47	123	27	“	"	PUNCT
issue-47	123	28	focused	focused	ADJ
issue-47	123	29	retail	retail	NOUN
issue-47	123	30	”	"	PUNCT
issue-47	123	31	model	model	NOUN
issue-47	123	32	includes	include	VERB
issue-47	123	33	banks	bank	NOUN
issue-47	123	34	with	with	ADP
issue-47	123	35	the	the	DET
issue-47	123	36	next	next	ADJ
issue-47	123	37	average	average	ADJ
issue-47	123	38	structure	structure	NOUN
issue-47	123	39	of	of	ADP
issue-47	123	40	their	their	PRON
issue-47	123	41	balance	balance	NOUN
issue-47	123	42	sheet	sheet	NOUN
issue-47	123	43	:	:	PUNCT
issue-47	123	44	enterprise	enterprise	NOUN
issue-47	123	45	loans	loan	NOUN
issue-47	123	46	are	be	AUX
issue-47	123	47	on	on	ADP
issue-47	123	48	the	the	DET
issue-47	123	49	level	level	NOUN
issue-47	123	50	of	of	ADP
issue-47	123	51	62.22	62.22	NUM
issue-47	123	52	%	%	NOUN
issue-47	123	53	and	and	CCONJ
issue-47	123	54	prevail	prevail	VERB
issue-47	123	55	in	in	ADP
issue-47	123	56	structure	structure	NOUN
issue-47	123	57	of	of	ADP
issue-47	123	58	assets	asset	NOUN
issue-47	123	59	;	;	PUNCT
issue-47	123	60	enterprise	enterprise	NOUN
issue-47	123	61	and	and	CCONJ
issue-47	123	62	household	household	NOUN
issue-47	123	63	liabilities	liability	NOUN
issue-47	123	64	are	be	AUX
issue-47	123	65	practically	practically	ADV
issue-47	123	66	on	on	ADP
issue-47	123	67	the	the	DET
issue-47	123	68	same	same	ADJ
issue-47	123	69	level	level	NOUN
issue-47	123	70	of	of	ADP
issue-47	123	71	25.11	25.11	NUM
issue-47	123	72	%	%	NOUN
issue-47	123	73	and	and	CCONJ
issue-47	123	74	28.68	28.68	NUM
issue-47	123	75	%	%	NOUN
issue-47	123	76	respectively	respectively	ADV
issue-47	123	77	.	.	PUNCT
issue-47	124	1	the	the	DET
issue-47	124	2	“	"	PUNCT
issue-47	124	3	diversified	diversified	ADJ
issue-47	124	4	retail	retail	NOUN
issue-47	124	5	”	"	PUNCT
issue-47	124	6	group	group	NOUN
issue-47	124	7	is	be	AUX
issue-47	124	8	characterized	characterize	VERB
issue-47	124	9	with	with	ADP
issue-47	124	10	almost	almost	ADV
issue-47	124	11	uniform	uniform	ADJ
issue-47	124	12	structure	structure	NOUN
issue-47	124	13	,	,	PUNCT
issue-47	124	14	so	so	ADV
issue-47	124	15	bank	bank	NOUN
issue-47	124	16	liabilities	liability	NOUN
issue-47	124	17	are	be	AUX
issue-47	124	18	on	on	ADP
issue-47	124	19	the	the	DET
issue-47	124	20	level	level	NOUN
issue-47	124	21	of	of	ADP
issue-47	124	22	13.75	13.75	NUM
issue-47	124	23	%	%	NOUN
issue-47	124	24	,	,	PUNCT
issue-47	124	25	enterprise	enterprise	NOUN
issue-47	124	26	loans	loan	NOUN
issue-47	124	27	–	–	PUNCT
issue-47	124	28	33.46	33.46	NUM
issue-47	124	29	%	%	NOUN
issue-47	124	30	,	,	PUNCT
issue-47	124	31	enterprise	enterprise	NOUN
issue-47	124	32	liabilities	liability	NOUN
issue-47	124	33	–	–	PUNCT
issue-47	124	34	20.63	20.63	NUM
issue-47	124	35	%	%	NOUN
issue-47	124	36	,	,	PUNCT
issue-47	124	37	household	household	NOUN
issue-47	124	38	loans	loan	NOUN
issue-47	124	39	–	–	PUNCT
issue-47	124	40	14.51	14.51	NUM
issue-47	124	41	%	%	NOUN
issue-47	124	42	,	,	PUNCT
issue-47	124	43	household	household	NOUN
issue-47	124	44	liabilities	liability	NOUN
issue-47	124	45	–	–	PUNCT
issue-47	124	46	28.68	28.68	NUM
issue-47	124	47	%	%	NOUN
issue-47	124	48	.	.	PUNCT
issue-47	125	1	the	the	DET
issue-47	125	2	third	third	ADJ
issue-47	125	3	business	business	NOUN
issue-47	125	4	model	model	NOUN
issue-47	125	5	“	"	PUNCT
issue-47	125	6	corporative	corporative	ADJ
issue-47	125	7	retail	retail	NOUN
issue-47	125	8	”	"	PUNCT
issue-47	125	9	comprises	comprise	VERB
issue-47	125	10	banks	bank	NOUN
issue-47	125	11	whose	whose	DET
issue-47	125	12	main	main	ADJ
issue-47	125	13	clients	client	NOUN
issue-47	125	14	are	be	AUX
issue-47	125	15	enterprises	enterprise	NOUN
issue-47	125	16	that	that	PRON
issue-47	125	17	are	be	AUX
issue-47	125	18	confirmed	confirm	VERB
issue-47	125	19	with	with	ADP
issue-47	125	20	the	the	DET
issue-47	125	21	value	value	NOUN
issue-47	125	22	of	of	ADP
issue-47	125	23	variables	variable	NOUN
issue-47	125	24	which	which	PRON
issue-47	125	25	characterize	characterize	VERB
issue-47	125	26	the	the	DET
issue-47	125	27	average	average	ADJ
issue-47	125	28	bank	bank	NOUN
issue-47	125	29	table	table	NOUN
issue-47	125	30	2	2	NUM
issue-47	125	31	descriptive	descriptive	ADJ
issue-47	125	32	statistics	statistic	NOUN
issue-47	125	33	for	for	ADP
issue-47	125	34	each	each	DET
issue-47	125	35	cluster	cluster	NOUN
issue-47	125	36	types	type	NOUN
issue-47	125	37	of	of	ADP
issue-47	125	38	model	model	NOUN
issue-47	125	39	bank	bank	NOUN
issue-47	125	40	loans	loan	NOUN
issue-47	125	41	(	(	PUNCT
issue-47	125	42	%	%	NOUN
issue-47	125	43	assets	asset	NOUN
issue-47	125	44	)	)	PUNCT
issue-47	125	45	bank	bank	NOUN
issue-47	125	46	liabilities	liability	NOUN
issue-47	125	47	(	(	PUNCT
issue-47	125	48	%	%	NOUN
issue-47	125	49	assets	asset	NOUN
issue-47	125	50	)	)	PUNCT
issue-47	125	51	enterprise	enterprise	NOUN
issue-47	125	52	loans	loan	NOUN
issue-47	125	53	(	(	PUNCT
issue-47	125	54	%	%	NOUN
issue-47	125	55	assets	asset	NOUN
issue-47	125	56	)	)	PUNCT
issue-47	125	57	enterprise	enterprise	NOUN
issue-47	125	58	liabilities	liability	NOUN
issue-47	125	59	(	(	PUNCT
issue-47	125	60	%	%	NOUN
issue-47	125	61	assets	asset	NOUN
issue-47	125	62	)	)	PUNCT
issue-47	125	63	household	household	NOUN
issue-47	125	64	loans	loan	NOUN
issue-47	125	65	(	(	PUNCT
issue-47	125	66	%	%	NOUN
issue-47	125	67	assets	asset	NOUN
issue-47	125	68	)	)	PUNCT
issue-47	125	69	household	household	NOUN
issue-47	125	70	liabilities	liability	NOUN
issue-47	125	71	(	(	PUNCT
issue-47	125	72	%	%	NOUN
issue-47	125	73	assets	asset	NOUN
issue-47	125	74	)	)	PUNCT
issue-47	125	75	trading	trading	NOUN
issue-47	125	76	assets	asset	NOUN
issue-47	125	77	(	(	PUNCT
issue-47	125	78	%	%	NOUN
issue-47	125	79	assets	asset	NOUN
issue-47	125	80	)	)	PUNCT
issue-47	125	81	model	model	NOUN
issue-47	125	82	1	1	NUM
issue-47	125	83	–	–	PUNCT
issue-47	125	84	focused	focus	VERB
issue-47	125	85	retail	retail	NOUN
issue-47	125	86	(	(	PUNCT
issue-47	125	87	74	74	NUM
issue-47	125	88	obs	obs	PROPN
issue-47	125	89	.	.	PUNCT
issue-47	125	90	)	)	PUNCT
issue-47	126	1	mean	mean	VERB
issue-47	126	2	3,51	3,51	NUM
issue-47	126	3	13,15	13,15	NUM
issue-47	127	1	70,14	70,14	NUM
issue-47	127	2	22,97	22,97	NUM
issue-47	127	3	3,66	3,66	NUM
issue-47	128	1	29,76	29,76	NUM
issue-47	128	2	4,69	4,69	NUM
issue-47	129	1	st.dev	st.dev	PROPN
issue-47	129	2	.	.	PUNCT
issue-47	130	1	5,016	5,016	NUM
issue-47	130	2	15,330	15,330	NUM
issue-47	130	3	12,419	12,419	NUM
issue-47	130	4	10,461	10,461	NUM
issue-47	130	5	4,181	4,181	NUM
issue-47	130	6	18,134	18,134	NUM
issue-47	130	7	6,583	6,583	NUM
issue-47	130	8	var	var	NOUN
issue-47	130	9	25,16	25,16	NUM
issue-47	130	10	235,01	235,01	NUM
issue-47	130	11	154,23	154,23	NUM
issue-47	130	12	109,43	109,43	NUM
issue-47	130	13	17,48	17,48	NUM
issue-47	130	14	328,83	328,83	NUM
issue-47	130	15	43,34	43,34	NOUN
issue-47	130	16	model	model	NOUN
issue-47	130	17	2	2	NUM
issue-47	130	18	–	–	PUNCT
issue-47	130	19	diversified	diversify	VERB
issue-47	130	20	retail	retail	NOUN
issue-47	130	21	(	(	PUNCT
issue-47	130	22	39	39	NUM
issue-47	130	23	obs	ob	NOUN
issue-47	130	24	.	.	PUNCT
issue-47	130	25	)	)	PUNCT
issue-47	131	1	mean	mean	VERB
issue-47	132	1	6,84	6,84	NUM
issue-47	132	2	18,40	18,40	NUM
issue-47	132	3	24,99	24,99	NUM
issue-47	132	4	15,75	15,75	NUM
issue-47	132	5	15,97	15,97	NUM
issue-47	132	6	26,24	26,24	NUM
issue-47	132	7	10,30	10,30	PROPN
issue-47	132	8	st.dev	st.dev	PROPN
issue-47	132	9	.	.	PROPN
issue-47	132	10	13,838	13,838	NUM
issue-47	132	11	18,318	18,318	NUM
issue-47	132	12	16,995	16,995	NUM
issue-47	132	13	12,569	12,569	NUM
issue-47	132	14	18,724	18,724	NUM
issue-47	132	15	23,320	23,320	NUM
issue-47	132	16	13,725	13,725	NUM
issue-47	132	17	var	var	NOUN
issue-47	132	18	191,50	191,50	NUM
issue-47	132	19	335,56	335,56	NOUN
issue-47	132	20	288,84	288,84	NUM
issue-47	132	21	157,97	157,97	NUM
issue-47	132	22	350,57	350,57	NOUN
issue-47	132	23	543,84	543,84	NOUN
issue-47	132	24	188,37	188,37	NUM
issue-47	132	25	model	model	NOUN
issue-47	132	26	3	3	NUM
issue-47	132	27	–	–	PUNCT
issue-47	132	28	corporative	corporative	ADJ
issue-47	132	29	retail	retail	NOUN
issue-47	132	30	(	(	PUNCT
issue-47	132	31	18	18	NUM
issue-47	132	32	obs	obs	PROPN
issue-47	132	33	.	.	PUNCT
issue-47	132	34	)	)	PUNCT
issue-47	133	1	mean	mean	VERB
issue-47	134	1	1,66	1,66	NUM
issue-47	135	1	3,08	3,08	NUM
issue-47	136	1	42,37	42,37	NOUN
issue-47	136	2	56,83	56,83	NUM
issue-47	136	3	5,43	5,43	NUM
issue-47	136	4	14,37	14,37	NUM
issue-47	136	5	19,94	19,94	NUM
issue-47	136	6	st.dev	st.dev	PROPN
issue-47	136	7	.	.	PUNCT
issue-47	137	1	3,201	3,201	NUM
issue-47	137	2	3,840	3,840	NUM
issue-47	137	3	19,019	19,019	NUM
issue-47	137	4	14,130	14,130	NUM
issue-47	137	5	8,502	8,502	NUM
issue-47	137	6	12,356	12,356	NUM
issue-47	137	7	23,760	23,760	NUM
issue-47	137	8	var	var	NOUN
issue-47	137	9	10,25	10,25	NUM
issue-47	137	10	14,75	14,75	NUM
issue-47	137	11	361,74	361,74	NUM
issue-47	137	12	199,66	199,66	ADJ
issue-47	137	13	72,29	72,29	NUM
issue-47	137	14	152,68	152,68	NUM
issue-47	137	15	564,56	564,56	PROPN
issue-47	137	16	baltic	baltic	PROPN
issue-47	137	17	journal	journal	PROPN
issue-47	137	18	of	of	ADP
issue-47	137	19	economic	economic	ADJ
issue-47	137	20	studies	study	NOUN
issue-47	137	21	119	119	NUM
issue-47	137	22	vol	vol	NOUN
issue-47	137	23	.	.	PROPN
issue-47	137	24	1	1	NUM
issue-47	137	25	,	,	PUNCT
issue-47	137	26	no	no	INTJ
issue-47	137	27	.	.	NOUN
issue-47	137	28	2	2	NUM
issue-47	137	29	,	,	PUNCT
issue-47	137	30	2015	2015	NUM
issue-47	137	31	of	of	ADP
issue-47	137	32	the	the	DET
issue-47	137	33	group	group	NOUN
issue-47	137	34	.	.	PUNCT
issue-47	138	1	so	so	ADV
issue-47	138	2	,	,	PUNCT
issue-47	138	3	enterprise	enterprise	NOUN
issue-47	138	4	loans	loan	NOUN
issue-47	138	5	and	and	CCONJ
issue-47	138	6	liabilities	liability	NOUN
issue-47	138	7	constitute	constitute	VERB
issue-47	138	8	55.75	55.75	NUM
issue-47	138	9	%	%	NOUN
issue-47	138	10	and	and	CCONJ
issue-47	138	11	38.75	38.75	NUM
issue-47	138	12	%	%	NOUN
issue-47	138	13	accordingly	accordingly	ADV
issue-47	138	14	.	.	PUNCT
issue-47	139	1	we	we	PRON
issue-47	139	2	do	do	AUX
issue-47	139	3	n’t	not	PART
issue-47	139	4	give	give	VERB
issue-47	139	5	out	out	ADP
issue-47	139	6	bank	bank	NOUN
issue-47	139	7	loans	loan	NOUN
issue-47	139	8	and	and	CCONJ
issue-47	139	9	trading	trading	NOUN
issue-47	139	10	assets	asset	NOUN
issue-47	139	11	as	as	SCONJ
issue-47	139	12	they	they	PRON
issue-47	139	13	are	be	AUX
issue-47	139	14	on	on	ADP
issue-47	139	15	the	the	DET
issue-47	139	16	lower	low	ADJ
issue-47	139	17	point	point	NOUN
issue-47	139	18	in	in	ADP
issue-47	139	19	the	the	DET
issue-47	139	20	structure	structure	NOUN
issue-47	139	21	of	of	ADP
issue-47	139	22	balance	balance	NOUN
issue-47	139	23	sheet	sheet	NOUN
issue-47	139	24	of	of	ADP
issue-47	139	25	all	all	DET
issue-47	139	26	banks	bank	NOUN
issue-47	139	27	despite	despite	SCONJ
issue-47	139	28	the	the	DET
issue-47	139	29	group	group	NOUN
issue-47	139	30	that	that	PRON
issue-47	139	31	is	be	AUX
issue-47	139	32	concern	concern	NOUN
issue-47	139	33	with	with	ADP
issue-47	139	34	the	the	DET
issue-47	139	35	economic	economic	ADJ
issue-47	139	36	situation	situation	NOUN
issue-47	139	37	and	and	CCONJ
issue-47	139	38	with	with	ADP
issue-47	139	39	practically	practically	ADV
issue-47	139	40	absence	absence	NOUN
issue-47	139	41	of	of	ADP
issue-47	139	42	stock	stock	NOUN
issue-47	139	43	market	market	NOUN
issue-47	139	44	in	in	ADP
issue-47	139	45	our	our	PRON
issue-47	139	46	country	country	NOUN
issue-47	139	47	.	.	PUNCT
issue-47	140	1	5	5	X
issue-47	140	2	.	.	X
issue-47	140	3	comparison	comparison	NOUN
issue-47	140	4	with	with	ADP
issue-47	140	5	another	another	DET
issue-47	140	6	researches	research	NOUN
issue-47	140	7	in	in	ADP
issue-47	140	8	this	this	DET
issue-47	140	9	sphere	sphere	NOUN
issue-47	140	10	during	during	ADP
issue-47	140	11	2014	2014	NUM
issue-47	140	12	there	there	PRON
issue-47	140	13	were	be	VERB
issue-47	140	14	taken	take	VERB
issue-47	140	15	two	two	NUM
issue-47	140	16	researches	research	NOUN
issue-47	140	17	among	among	ADP
issue-47	140	18	european	european	ADJ
issue-47	140	19	banks	bank	NOUN
issue-47	140	20	in	in	ADP
issue-47	140	21	this	this	DET
issue-47	140	22	sphere	sphere	NOUN
issue-47	140	23	.	.	PUNCT
issue-47	141	1	ayadi	ayadi	NOUN
issue-47	141	2	and	and	CCONJ
issue-47	141	3	de	de	X
issue-47	141	4	groen	groen	X
issue-47	141	5	(	(	PUNCT
issue-47	141	6	2014	2014	NUM
issue-47	141	7	)	)	PUNCT
issue-47	141	8	classify	classify	VERB
issue-47	141	9	european	european	ADJ
issue-47	141	10	banks	bank	NOUN
issue-47	141	11	into	into	ADP
issue-47	141	12	four	four	NUM
issue-47	141	13	business	business	NOUN
issue-47	141	14	models	model	NOUN
issue-47	141	15	,	,	PUNCT
issue-47	141	16	which	which	PRON
issue-47	141	17	they	they	PRON
issue-47	141	18	named	name	VERB
issue-47	141	19	as	as	ADP
issue-47	141	20	investment	investment	NOUN
issue-47	141	21	banks	bank	NOUN
issue-47	141	22	,	,	PUNCT
issue-47	141	23	wholesale	wholesale	ADJ
issue-47	141	24	banks	bank	NOUN
issue-47	141	25	,	,	PUNCT
issue-47	141	26	diversified	diversify	VERB
issue-47	141	27	retail	retail	ADJ
issue-47	141	28	and	and	CCONJ
issue-47	141	29	focused	focused	ADJ
issue-47	141	30	retail	retail	NOUN
issue-47	141	31	.	.	PUNCT
issue-47	142	1	rungporn	rungporn	PROPN
issue-47	142	2	roengpitya	roengpitya	PROPN
issue-47	142	3	,	,	PUNCT
issue-47	142	4	nikola	nikola	PROPN
issue-47	142	5	tarashev	tarashev	PROPN
issue-47	142	6	and	and	CCONJ
issue-47	142	7	kostas	kostas	PROPN
issue-47	142	8	tsatsaronis	tsatsaronis	NOUN
issue-47	142	9	(	(	PUNCT
issue-47	142	10	2014	2014	NUM
issue-47	142	11	)	)	PUNCT
issue-47	142	12	identify	identify	VERB
issue-47	142	13	three	three	NUM
issue-47	142	14	business	business	NOUN
issue-47	142	15	models	model	NOUN
issue-47	142	16	which	which	PRON
issue-47	142	17	they	they	PRON
issue-47	142	18	labeled	label	VERB
issue-47	142	19	as	as	ADP
issue-47	142	20	“	"	PUNCT
issue-47	142	21	retailfunded	retailfunde	VERB
issue-47	142	22	”	"	PUNCT
issue-47	142	23	,	,	PUNCT
issue-47	142	24	“	"	PUNCT
issue-47	142	25	wholesale	wholesale	NOUN
issue-47	142	26	-	-	PUNCT
issue-47	142	27	funded	fund	VERB
issue-47	142	28	”	"	PUNCT
issue-47	142	29	and	and	CCONJ
issue-47	142	30	trading	trading	NOUN
issue-47	142	31	.	.	PUNCT
issue-47	143	1	we	we	PRON
issue-47	143	2	must	must	AUX
issue-47	143	3	underline	underline	VERB
issue-47	143	4	that	that	SCONJ
issue-47	143	5	in	in	ADP
issue-47	143	6	this	this	PRON
issue-47	143	7	researches	research	VERB
issue-47	143	8	the	the	DET
issue-47	143	9	investment	investment	NOUN
issue-47	143	10	bank	bank	NOUN
issue-47	143	11	model	model	NOUN
issue-47	143	12	corresponds	correspond	VERB
issue-47	143	13	to	to	ADP
issue-47	143	14	trading	trading	NOUN
issue-47	143	15	model	model	NOUN
issue-47	143	16	that	that	PRON
issue-47	143	17	includes	include	VERB
issue-47	143	18	banks	bank	NOUN
issue-47	143	19	that	that	PRON
issue-47	143	20	have	have	VERB
issue-47	143	21	substantial	substantial	ADJ
issue-47	143	22	trading	trading	NOUN
issue-47	143	23	activities	activity	NOUN
issue-47	143	24	and	and	CCONJ
issue-47	143	25	in	in	ADP
issue-47	143	26	funding	funding	NOUN
issue-47	143	27	are	be	AUX
issue-47	143	28	focused	focus	VERB
issue-47	143	29	on	on	ADP
issue-47	143	30	less	less	ADV
issue-47	143	31	stable	stable	ADJ
issue-47	143	32	and	and	CCONJ
issue-47	143	33	less	less	ADV
issue-47	143	34	traditional	traditional	ADJ
issue-47	143	35	sources	source	NOUN
issue-47	143	36	,	,	PUNCT
issue-47	143	37	such	such	ADJ
issue-47	143	38	as	as	ADP
issue-47	143	39	debt	debt	NOUN
issue-47	143	40	,	,	PUNCT
issue-47	143	41	liabilities	liability	NOUN
issue-47	143	42	and	and	CCONJ
issue-47	143	43	,	,	PUNCT
issue-47	143	44	more	more	ADV
issue-47	143	45	importantly	importantly	ADV
issue-47	143	46	,	,	PUNCT
issue-47	143	47	repurchase	repurchase	NOUN
issue-47	143	48	agreements	agreement	NOUN
issue-47	143	49	.	.	PUNCT
issue-47	144	1	the	the	DET
issue-47	144	2	two	two	NUM
issue-47	144	3	wholesale	wholesale	ADJ
issue-47	144	4	models	model	NOUN
issue-47	144	5	correspond	correspond	VERB
issue-47	144	6	to	to	ADP
issue-47	144	7	each	each	DET
issue-47	144	8	other	other	ADJ
issue-47	144	9	and	and	CCONJ
issue-47	144	10	characterize	characterize	VERB
issue-47	144	11	banks	bank	NOUN
issue-47	144	12	of	of	ADP
issue-47	144	13	this	this	DET
issue-47	144	14	group	group	NOUN
issue-47	144	15	as	as	ADP
issue-47	144	16	banks	bank	NOUN
issue-47	144	17	with	with	ADP
issue-47	144	18	a	a	DET
issue-47	144	19	heavy	heavy	ADJ
issue-47	144	20	reliance	reliance	NOUN
issue-47	144	21	on	on	ADP
issue-47	144	22	interbank	interbank	NOUN
issue-47	144	23	funding	funding	NOUN
issue-47	144	24	and	and	CCONJ
issue-47	144	25	lending	lending	NOUN
issue-47	144	26	which	which	PRON
issue-47	144	27	are	be	AUX
issue-47	144	28	also	also	ADV
issue-47	144	29	very	very	ADV
issue-47	144	30	active	active	ADJ
issue-47	144	31	in	in	ADP
issue-47	144	32	non	non	ADJ
issue-47	144	33	-	-	ADJ
issue-47	144	34	traditional	traditional	ADJ
issue-47	144	35	uses	use	NOUN
issue-47	144	36	of	of	ADP
issue-47	144	37	these	these	DET
issue-47	144	38	funds	fund	NOUN
issue-47	144	39	,	,	PUNCT
issue-47	144	40	including	include	VERB
issue-47	144	41	trading	trading	NOUN
issue-47	144	42	assets	asset	NOUN
issue-47	144	43	(	(	PUNCT
issue-47	144	44	i.e.	i.e.	X
issue-47	144	45	all	all	DET
issue-47	144	46	assets	asset	NOUN
issue-47	144	47	excluding	exclude	VERB
issue-47	144	48	cash	cash	NOUN
issue-47	144	49	,	,	PUNCT
issue-47	144	50	loans	loan	NOUN
issue-47	144	51	and	and	CCONJ
issue-47	144	52	intangible	intangible	ADJ
issue-47	144	53	assets	asset	NOUN
issue-47	144	54	.	.	PUNCT
issue-47	145	1	and	and	CCONJ
issue-47	145	2	at	at	ADP
issue-47	145	3	least	least	ADJ
issue-47	145	4	,	,	PUNCT
issue-47	145	5	the	the	DET
issue-47	145	6	diversified	diversified	ADJ
issue-47	145	7	and	and	CCONJ
issue-47	145	8	focused	focus	VERB
issue-47	145	9	retail	retail	ADJ
issue-47	145	10	models	model	NOUN
issue-47	145	11	in	in	ADP
issue-47	145	12	the	the	DET
issue-47	145	13	first	first	ADJ
issue-47	145	14	research	research	NOUN
issue-47	145	15	together	together	ADV
issue-47	145	16	correspond	correspond	VERB
issue-47	145	17	to	to	ADP
issue-47	145	18	retail	retail	NOUN
issue-47	145	19	-	-	PUNCT
issue-47	145	20	funded	fund	VERB
issue-47	145	21	model	model	NOUN
issue-47	145	22	in	in	ADP
issue-47	145	23	the	the	DET
issue-47	145	24	second	second	ADJ
issue-47	145	25	one	one	NUM
issue-47	145	26	.	.	PUNCT
issue-47	146	1	so	so	ADV
issue-47	146	2	retail	retail	NOUN
issue-47	146	3	-	-	PUNCT
issue-47	146	4	oriented	orient	VERB
issue-47	146	5	banks	bank	NOUN
issue-47	146	6	used	use	VERB
issue-47	146	7	relatively	relatively	ADV
issue-47	146	8	non	non	ADJ
issue-47	146	9	-	-	ADJ
issue-47	146	10	traditional	traditional	ADJ
issue-47	146	11	funding	funding	NOUN
issue-47	146	12	sources	source	NOUN
issue-47	146	13	and	and	CCONJ
issue-47	146	14	continued	continue	VERB
issue-47	146	15	to	to	PART
issue-47	146	16	expand	expand	VERB
issue-47	146	17	during	during	ADP
issue-47	146	18	the	the	DET
issue-47	146	19	crisis	crisis	NOUN
issue-47	146	20	,	,	PUNCT
issue-47	146	21	implying	imply	VERB
issue-47	146	22	that	that	SCONJ
issue-47	146	23	the	the	DET
issue-47	146	24	reliance	reliance	NOUN
issue-47	146	25	on	on	ADP
issue-47	146	26	multiple	multiple	ADJ
issue-47	146	27	sources	source	NOUN
issue-47	146	28	of	of	ADP
issue-47	146	29	financing	financing	NOUN
issue-47	146	30	has	have	AUX
issue-47	146	31	reinforced	reinforce	VERB
issue-47	146	32	the	the	DET
issue-47	146	33	group	group	NOUN
issue-47	146	34	’s	’s	PART
issue-47	146	35	growth	growth	NOUN
issue-47	146	36	prospects	prospect	NOUN
issue-47	146	37	.	.	PUNCT
issue-47	147	1	the	the	DET
issue-47	147	2	main	main	ADJ
issue-47	147	3	difference	difference	NOUN
issue-47	147	4	between	between	ADP
issue-47	147	5	the	the	DET
issue-47	147	6	diversified	diversified	ADJ
issue-47	147	7	and	and	CCONJ
issue-47	147	8	focused	focused	ADJ
issue-47	147	9	retail	retail	ADJ
issue-47	147	10	models	model	NOUN
issue-47	147	11	is	be	AUX
issue-47	147	12	that	that	SCONJ
issue-47	147	13	while	while	SCONJ
issue-47	147	14	the	the	DET
issue-47	147	15	diversified	diversified	ADJ
issue-47	147	16	retail	retail	ADJ
issue-47	147	17	model	model	NOUN
issue-47	147	18	banks	bank	NOUN
issue-47	147	19	have	have	VERB
issue-47	147	20	a	a	DET
issue-47	147	21	greater	great	ADJ
issue-47	147	22	reliance	reliance	NOUN
issue-47	147	23	on	on	ADP
issue-47	147	24	debt	debt	NOUN
issue-47	147	25	markets	market	NOUN
issue-47	147	26	,	,	PUNCT
issue-47	147	27	focused	focus	VERB
issue-47	147	28	retail	retail	ADJ
issue-47	147	29	model	model	NOUN
issue-47	147	30	banks	bank	NOUN
issue-47	147	31	rely	rely	VERB
issue-47	147	32	primarily	primarily	ADV
issue-47	147	33	on	on	ADP
issue-47	147	34	customer	customer	NOUN
issue-47	147	35	deposits	deposit	NOUN
issue-47	147	36	.	.	PUNCT
issue-47	148	1	our	our	PRON
issue-47	148	2	research	research	NOUN
issue-47	148	3	in	in	ADP
issue-47	148	4	the	the	DET
issue-47	148	5	ukrainian	ukrainian	ADJ
issue-47	148	6	banking	banking	NOUN
issue-47	148	7	system	system	NOUN
issue-47	148	8	shows	show	VERB
issue-47	148	9	that	that	SCONJ
issue-47	148	10	on	on	ADP
issue-47	148	11	the	the	DET
issue-47	148	12	financial	financial	ADJ
issue-47	148	13	market	market	NOUN
issue-47	148	14	of	of	ADP
issue-47	148	15	ukraine	ukraine	NOUN
issue-47	148	16	are	be	AUX
issue-47	148	17	absent	absent	ADJ
issue-47	148	18	banks	bank	NOUN
issue-47	148	19	with	with	ADP
issue-47	148	20	investment	investment	NOUN
issue-47	148	21	and	and	CCONJ
issue-47	148	22	wholesale	wholesale	ADJ
issue-47	148	23	business	business	NOUN
issue-47	148	24	models	model	NOUN
issue-47	148	25	.	.	PUNCT
issue-47	149	1	identified	identify	VERB
issue-47	149	2	business	business	NOUN
issue-47	149	3	models	model	NOUN
issue-47	149	4	(	(	PUNCT
issue-47	149	5	“	"	PUNCT
issue-47	149	6	focused	focused	ADJ
issue-47	149	7	retail	retail	NOUN
issue-47	149	8	”	"	PUNCT
issue-47	149	9	,	,	PUNCT
issue-47	149	10	“	"	PUNCT
issue-47	149	11	diversified	diversified	ADJ
issue-47	149	12	retail	retail	NOUN
issue-47	149	13	”	"	PUNCT
issue-47	149	14	and	and	CCONJ
issue-47	149	15	“	"	PUNCT
issue-47	149	16	corporative	corporative	ADJ
issue-47	149	17	retail	retail	NOUN
issue-47	149	18	”	"	PUNCT
issue-47	149	19	)	)	PUNCT
issue-47	149	20	of	of	ADP
issue-47	149	21	ukrainian	ukrainian	ADJ
issue-47	149	22	banks	bank	NOUN
issue-47	149	23	relate	relate	VERB
issue-47	149	24	to	to	ADP
issue-47	149	25	the	the	DET
issue-47	149	26	retail	retail	NOUN
issue-47	149	27	-	-	PUNCT
issue-47	149	28	oriented	orient	VERB
issue-47	149	29	banks	bank	NOUN
issue-47	149	30	.	.	PUNCT
issue-47	150	1	let	let	VERB
issue-47	150	2	’s	’s	NOUN
issue-47	150	3	study	study	VERB
issue-47	150	4	this	this	DET
issue-47	150	5	problem	problem	NOUN
issue-47	150	6	deeper	deeply	ADV
issue-47	150	7	.	.	PUNCT
issue-47	151	1	the	the	DET
issue-47	151	2	absence	absence	NOUN
issue-47	151	3	of	of	ADP
issue-47	151	4	investment	investment	NOUN
issue-47	151	5	bank	bank	NOUN
issue-47	151	6	is	be	AUX
issue-47	151	7	connected	connect	VERB
issue-47	151	8	with	with	ADP
issue-47	151	9	weakly	weakly	ADJ
issue-47	151	10	developed	develop	VERB
issue-47	151	11	stock	stock	NOUN
issue-47	151	12	market	market	NOUN
issue-47	151	13	in	in	ADP
issue-47	151	14	ukraine	ukraine	NOUN
issue-47	151	15	.	.	PUNCT
issue-47	152	1	thus	thus	ADV
issue-47	152	2	,	,	PUNCT
issue-47	152	3	as	as	ADP
issue-47	152	4	to	to	ADP
issue-47	152	5	the	the	DET
issue-47	152	6	legislation	legislation	NOUN
issue-47	152	7	in	in	ADP
issue-47	152	8	ukraine	ukraine	NOUN
issue-47	152	9	all	all	DET
issue-47	152	10	banks	bank	NOUN
issue-47	152	11	can	can	AUX
issue-47	152	12	be	be	AUX
issue-47	152	13	only	only	ADV
issue-47	152	14	created	create	VERB
issue-47	152	15	in	in	ADP
issue-47	152	16	the	the	DET
issue-47	152	17	form	form	NOUN
issue-47	152	18	of	of	ADP
issue-47	152	19	joint	joint	ADJ
issue-47	152	20	-	-	PUNCT
issue-47	152	21	stock	stock	NOUN
issue-47	152	22	company	company	NOUN
issue-47	152	23	and	and	CCONJ
issue-47	152	24	their	their	PRON
issue-47	152	25	shares	share	NOUN
issue-47	152	26	must	must	AUX
issue-47	152	27	be	be	AUX
issue-47	152	28	in	in	ADP
issue-47	152	29	free	free	ADJ
issue-47	152	30	float	float	NOUN
issue-47	152	31	on	on	ADP
issue-47	152	32	the	the	DET
issue-47	152	33	stock	stock	NOUN
issue-47	152	34	market	market	NOUN
issue-47	152	35	.	.	PUNCT
issue-47	153	1	but	but	CCONJ
issue-47	153	2	last	last	ADJ
issue-47	153	3	one	one	NUM
issue-47	153	4	do	do	AUX
issue-47	153	5	n’t	not	PART
issue-47	153	6	become	become	VERB
issue-47	153	7	more	more	ADV
issue-47	153	8	developed	developed	ADJ
issue-47	153	9	and	and	CCONJ
issue-47	153	10	its	its	PRON
issue-47	153	11	capitalization	capitalization	NOUN
issue-47	153	12	is	be	AUX
issue-47	153	13	on	on	ADP
issue-47	153	14	the	the	DET
issue-47	153	15	low	low	ADJ
issue-47	153	16	level	level	NOUN
issue-47	153	17	in	in	ADP
issue-47	153	18	comparison	comparison	NOUN
issue-47	153	19	with	with	ADP
issue-47	153	20	world	world	NOUN
issue-47	153	21	stock	stock	NOUN
issue-47	153	22	markets	market	NOUN
issue-47	153	23	(	(	PUNCT
issue-47	153	24	look	look	VERB
issue-47	153	25	figure	figure	NOUN
issue-47	153	26	2	2	NUM
issue-47	153	27	)	)	PUNCT
issue-47	153	28	figure	figure	NOUN
issue-47	153	29	2	2	NUM
issue-47	153	30	shows	show	VERB
issue-47	153	31	the	the	DET
issue-47	153	32	world	world	NOUN
issue-47	153	33	according	accord	VERB
issue-47	153	34	to	to	ADP
issue-47	153	35	free	free	ADJ
issue-47	153	36	-	-	PUNCT
issue-47	153	37	float	float	NOUN
issue-47	153	38	equity	equity	NOUN
issue-47	153	39	market	market	NOUN
issue-47	153	40	capitalization	capitalization	NOUN
issue-47	154	1	and	and	CCONJ
issue-47	154	2	we	we	PRON
issue-47	154	3	ca	can	AUX
issue-47	154	4	n’t	not	PART
issue-47	154	5	even	even	ADV
issue-47	154	6	see	see	VERB
issue-47	154	7	ukraine	ukraine	NOUN
issue-47	154	8	on	on	ADP
issue-47	154	9	it	it	PRON
issue-47	154	10	,	,	PUNCT
issue-47	154	11	that	that	PRON
issue-47	154	12	confirm	confirm	VERB
issue-47	154	13	that	that	SCONJ
issue-47	154	14	market	market	NOUN
issue-47	154	15	capitalization	capitalization	NOUN
issue-47	154	16	of	of	ADP
issue-47	154	17	our	our	PRON
issue-47	154	18	country	country	NOUN
issue-47	154	19	is	be	AUX
issue-47	154	20	very	very	ADV
issue-47	154	21	low	low	ADJ
issue-47	154	22	on	on	ADP
issue-47	154	23	the	the	DET
issue-47	154	24	level	level	NOUN
issue-47	154	25	of	of	ADP
issue-47	154	26	nearly	nearly	ADV
issue-47	154	27	4	4	NUM
issue-47	154	28	$	$	SYM
issue-47	154	29	bn	bn	NOUN
issue-47	154	30	.	.	PUNCT
issue-47	155	1	ukrainian	ukrainian	ADJ
issue-47	155	2	banks	bank	NOUN
issue-47	155	3	ca	can	AUX
issue-47	155	4	n’t	not	PART
issue-47	155	5	also	also	ADV
issue-47	155	6	make	make	VERB
issue-47	155	7	their	their	PRON
issue-47	155	8	investments	investment	NOUN
issue-47	155	9	on	on	ADP
issue-47	155	10	the	the	DET
issue-47	155	11	world	world	NOUN
issue-47	155	12	financial	financial	ADJ
issue-47	155	13	markets	market	NOUN
issue-47	155	14	according	accord	VERB
issue-47	155	15	to	to	ADP
issue-47	155	16	the	the	DET
issue-47	155	17	foreign	foreign	ADJ
issue-47	155	18	exchange	exchange	NOUN
issue-47	155	19	control	control	NOUN
issue-47	155	20	that	that	PRON
issue-47	155	21	is	be	AUX
issue-47	155	22	provided	provide	VERB
issue-47	155	23	by	by	ADP
issue-47	155	24	central	central	ADJ
issue-47	155	25	bank	bank	PROPN
issue-47	155	26	of	of	ADP
issue-47	155	27	ukraine	ukraine	PROPN
issue-47	155	28	.	.	PUNCT
issue-47	156	1	if	if	SCONJ
issue-47	156	2	someone	someone	PRON
issue-47	156	3	wants	want	VERB
issue-47	156	4	to	to	PART
issue-47	156	5	make	make	VERB
issue-47	156	6	their	their	PRON
issue-47	156	7	investments	investment	NOUN
issue-47	156	8	abroad	abroad	ADV
issue-47	156	9	,	,	PUNCT
issue-47	156	10	he	he	PRON
issue-47	156	11	must	must	AUX
issue-47	156	12	receive	receive	VERB
issue-47	156	13	the	the	DET
issue-47	156	14	individual	individual	ADJ
issue-47	156	15	license	license	NOUN
issue-47	156	16	for	for	ADP
issue-47	156	17	the	the	DET
issue-47	156	18	certain	certain	ADJ
issue-47	156	19	term	term	NOUN
issue-47	156	20	depends	depend	VERB
issue-47	156	21	on	on	ADP
issue-47	156	22	the	the	DET
issue-47	156	23	goal	goal	NOUN
issue-47	156	24	of	of	ADP
issue-47	156	25	investment	investment	NOUN
issue-47	156	26	.	.	PUNCT
issue-47	157	1	connected	connect	VERB
issue-47	157	2	to	to	ADP
issue-47	157	3	the	the	DET
issue-47	157	4	wholesale	wholesale	ADJ
issue-47	157	5	banks	bank	NOUN
issue-47	157	6	,	,	PUNCT
issue-47	157	7	they	they	PRON
issue-47	157	8	can	can	AUX
issue-47	157	9	be	be	AUX
issue-47	157	10	defined	define	VERB
issue-47	157	11	as	as	ADP
issue-47	157	12	those	those	DET
issue-47	157	13	one	one	NOUN
issue-47	157	14	who	who	PRON
issue-47	157	15	provide	provide	VERB
issue-47	157	16	services	service	NOUN
issue-47	157	17	to	to	ADP
issue-47	157	18	other	other	ADJ
issue-47	157	19	banks	bank	NOUN
issue-47	157	20	or	or	CCONJ
issue-47	157	21	large	large	ADJ
issue-47	157	22	corporations	corporation	NOUN
issue-47	157	23	.	.	PUNCT
issue-47	158	1	the	the	DET
issue-47	158	2	absence	absence	NOUN
issue-47	158	3	of	of	ADP
issue-47	158	4	this	this	DET
issue-47	158	5	type	type	NOUN
issue-47	158	6	banks	bank	NOUN
issue-47	158	7	in	in	ADP
issue-47	158	8	ukraine	ukraine	NOUN
issue-47	158	9	can	can	AUX
issue-47	158	10	be	be	AUX
issue-47	158	11	explained	explain	VERB
issue-47	158	12	with	with	ADP
issue-47	158	13	two	two	NUM
issue-47	158	14	main	main	ADJ
issue-47	158	15	reasons	reason	NOUN
issue-47	158	16	.	.	PUNCT
issue-47	159	1	firstly	firstly	ADV
issue-47	159	2	,	,	PUNCT
issue-47	159	3	the	the	DET
issue-47	159	4	banks	bank	NOUN
issue-47	159	5	in	in	ADP
issue-47	159	6	the	the	DET
issue-47	159	7	ukrainian	ukrainian	ADJ
issue-47	159	8	banking	banking	NOUN
issue-47	159	9	system	system	NOUN
issue-47	159	10	are	be	AUX
issue-47	159	11	two	two	NUM
issue-47	159	12	small	small	ADJ
issue-47	159	13	in	in	ADP
issue-47	159	14	relation	relation	NOUN
issue-47	159	15	to	to	ADP
issue-47	159	16	the	the	DET
issue-47	159	17	world	world	NOUN
issue-47	159	18	banks	bank	NOUN
issue-47	159	19	.	.	PUNCT
issue-47	160	1	the	the	DET
issue-47	160	2	assets	asset	NOUN
issue-47	160	3	of	of	ADP
issue-47	160	4	all	all	DET
issue-47	160	5	ukrainian	ukrainian	ADJ
issue-47	160	6	banks	bank	NOUN
issue-47	160	7	are	be	AUX
issue-47	160	8	lower	low	ADJ
issue-47	160	9	than	than	ADP
issue-47	160	10	the	the	DET
issue-47	160	11	assets	asset	NOUN
issue-47	160	12	of	of	ADP
issue-47	160	13	the	the	DET
issue-47	160	14	largest	large	ADJ
issue-47	160	15	world	world	NOUN
issue-47	160	16	banks	bank	NOUN
issue-47	160	17	(	(	PUNCT
issue-47	160	18	look	look	VERB
issue-47	160	19	table	table	NOUN
issue-47	160	20	4	4	NUM
issue-47	160	21	)	)	PUNCT
issue-47	160	22	.	.	PUNCT
issue-47	161	1	fig	fig	NOUN
issue-47	161	2	.	.	PUNCT
issue-47	162	1	2	2	X
issue-47	162	2	.	.	X
issue-47	162	3	the	the	DET
issue-47	162	4	world	world	NOUN
issue-47	162	5	according	accord	VERB
issue-47	162	6	to	to	ADP
issue-47	162	7	free	free	ADJ
issue-47	162	8	-	-	PUNCT
issue-47	162	9	float	float	NOUN
issue-47	162	10	equity	equity	NOUN
issue-47	162	11	market	market	NOUN
issue-47	162	12	capitalization	capitalization	NOUN
issue-47	162	13	(	(	PUNCT
issue-47	162	14	$	$	SYM
issue-47	162	15	bn	bn	NOUN
issue-47	162	16	)	)	PUNCT
issue-47	162	17	sources	source	NOUN
issue-47	162	18	:	:	PUNCT
issue-47	162	19	bank	bank	PROPN
issue-47	162	20	of	of	ADP
issue-47	162	21	america	america	PROPN
issue-47	162	22	,	,	PUNCT
issue-47	162	23	2015	2015	NUM
issue-47	162	24	baltic	baltic	ADJ
issue-47	162	25	journal	journal	NOUN
issue-47	162	26	of	of	ADP
issue-47	162	27	economic	economic	ADJ
issue-47	162	28	studies	study	NOUN
issue-47	162	29	120	120	NUM
issue-47	162	30	vol	vol	NOUN
issue-47	162	31	.	.	PROPN
issue-47	163	1	1	1	NUM
issue-47	163	2	,	,	PUNCT
issue-47	163	3	no	no	INTJ
issue-47	163	4	.	.	NOUN
issue-47	163	5	2	2	NUM
issue-47	163	6	,	,	PUNCT
issue-47	163	7	2015	2015	NUM
issue-47	163	8	table	table	NOUN
issue-47	163	9	4	4	NUM
issue-47	163	10	the	the	DET
issue-47	163	11	main	main	ADJ
issue-47	163	12	indicators	indicator	NOUN
issue-47	163	13	of	of	ADP
issue-47	163	14	the	the	DET
issue-47	163	15	largest	large	ADJ
issue-47	163	16	world	world	NOUN
issue-47	163	17	banks	bank	NOUN
issue-47	163	18	on	on	ADP
issue-47	163	19	january	january	PROPN
issue-47	163	20	,	,	PUNCT
issue-47	163	21	2015	2015	NUM
issue-47	163	22	,	,	PUNCT
issue-47	163	23	$	$	SYM
issue-47	163	24	bn	bn	NUM
issue-47	163	25	bank	bank	NOUN
issue-47	163	26	name	name	NOUN
issue-47	163	27	country	country	NOUN
issue-47	163	28	assets	asset	NOUN
issue-47	163	29	capital	capital	NOUN
issue-47	163	30	industrial&commercial	industrial&commercial	PROPN
issue-47	163	31	bank	bank	NOUN
issue-47	163	32	of	of	ADP
issue-47	163	33	china	china	PROPN
issue-47	163	34	limited	limited	PROPN
issue-47	163	35	china	china	PROPN
issue-47	163	36	3320,9	3320,9	NUM
issue-47	163	37	62,5	62,5	NUM
issue-47	163	38	china	china	PROPN
issue-47	163	39	construction	construction	PROPN
issue-47	163	40	bank	bank	PROPN
issue-47	163	41	corporation	corporation	PROPN
issue-47	163	42	china	china	PROPN
issue-47	163	43	2697,9	2697,9	PROPN
issue-47	164	1	40,3	40,3	DET
issue-47	164	2	agricultural	agricultural	ADJ
issue-47	164	3	bank	bank	PROPN
issue-47	164	4	of	of	ADP
issue-47	164	5	china	china	PROPN
issue-47	164	6	limited	limited	PROPN
issue-47	164	7	china	china	PROPN
issue-47	164	8	2573,9	2573,9	PROPN
issue-47	165	1	58,8	58,8	NUM
issue-47	165	2	bnp	bnp	PROPN
issue-47	165	3	paribas	paribas	PROPN
issue-47	165	4	sa	sa	PROPN
issue-47	165	5	france	france	PROPN
issue-47	165	6	2513,6	2513,6	PROPN
issue-47	165	7	32,6	32,6	PROPN
issue-47	165	8	bank	bank	NOUN
issue-47	165	9	of	of	ADP
issue-47	165	10	china	china	PROPN
issue-47	165	11	limited	limit	VERB
issue-47	165	12	china	china	PROPN
issue-47	165	13	2457,4	2457,4	NUM
issue-47	165	14	58,1	58,1	NOUN
issue-47	165	15	banking	banking	NOUN
issue-47	165	16	system	system	NOUN
issue-47	165	17	ukraine	ukraine	NOUN
issue-47	166	1	1316,9	1316,9	NUM
issue-47	166	2	148,0	148,0	PROPN
issue-47	166	3	sources	source	NOUN
issue-47	166	4	:	:	PUNCT
issue-47	166	5	bank	bank	NOUN
issue-47	166	6	ranking	ranking	NOUN
issue-47	166	7	(	(	PUNCT
issue-47	166	8	2015	2015	NUM
issue-47	166	9	)	)	PUNCT
issue-47	166	10	,	,	PUNCT
issue-47	166	11	key	key	ADJ
issue-47	166	12	performance	performance	NOUN
issue-47	166	13	indicators	indicator	NOUN
issue-47	166	14	of	of	ADP
issue-47	166	15	banks	bank	NOUN
issue-47	166	16	in	in	ADP
issue-47	166	17	ukraine	ukraine	NOUN
issue-47	166	18	as	as	SCONJ
issue-47	166	19	we	we	PRON
issue-47	166	20	can	can	AUX
issue-47	166	21	see	see	VERB
issue-47	166	22	,	,	PUNCT
issue-47	166	23	assets	asset	NOUN
issue-47	166	24	of	of	ADP
issue-47	166	25	ukrainian	ukrainian	ADJ
issue-47	166	26	banking	banking	NOUN
issue-47	166	27	system	system	NOUN
issue-47	166	28	are	be	AUX
issue-47	166	29	on	on	ADP
issue-47	166	30	the	the	DET
issue-47	166	31	level	level	NOUN
issue-47	166	32	of	of	ADP
issue-47	166	33	1316.9	1316.9	NUM
issue-47	166	34	$	$	SYM
issue-47	166	35	bn	bn	NOUN
issue-47	166	36	.	.	PUNCT
issue-47	167	1	whereas	whereas	SCONJ
issue-47	167	2	assets	asset	NOUN
issue-47	167	3	of	of	ADP
issue-47	167	4	the	the	DET
issue-47	167	5	biggest	big	ADJ
issue-47	167	6	world	world	NOUN
issue-47	167	7	bank	bank	NOUN
issue-47	167	8	–	–	PUNCT
issue-47	167	9	industrial	industrial	ADJ
issue-47	167	10	&	&	CCONJ
issue-47	167	11	commercial	commercial	PROPN
issue-47	167	12	bank	bank	PROPN
issue-47	167	13	of	of	ADP
issue-47	167	14	china	china	PROPN
issue-47	167	15	limited	limited	PROPN
issue-47	167	16	are	be	AUX
issue-47	167	17	3320.9	3320.9	NUM
issue-47	167	18	$	$	SYM
issue-47	167	19	bn	bn	NOUN
issue-47	167	20	.	.	PUNCT
issue-47	168	1	that	that	PRON
issue-47	168	2	is	be	AUX
issue-47	168	3	in	in	ADP
issue-47	168	4	3	3	NUM
issue-47	168	5	times	time	NOUN
issue-47	168	6	more	more	ADJ
issue-47	168	7	.	.	PUNCT
issue-47	169	1	secondly	secondly	ADV
issue-47	169	2	,	,	PUNCT
issue-47	169	3	the	the	DET
issue-47	169	4	high	high	ADJ
issue-47	169	5	cost	cost	NOUN
issue-47	169	6	of	of	ADP
issue-47	169	7	financial	financial	ADJ
issue-47	169	8	resources	resource	NOUN
issue-47	169	9	on	on	ADP
issue-47	169	10	the	the	DET
issue-47	169	11	ukrainian	ukrainian	ADJ
issue-47	169	12	financial	financial	ADJ
issue-47	169	13	market	market	NOUN
issue-47	169	14	does	do	AUX
issue-47	169	15	n’t	not	PART
issue-47	169	16	make	make	VERB
issue-47	169	17	interbank	interbank	NOUN
issue-47	169	18	funding	funding	NOUN
issue-47	169	19	and	and	CCONJ
issue-47	169	20	lending	lend	VERB
issue-47	169	21	attractive	attractive	ADJ
issue-47	169	22	to	to	ADP
issue-47	169	23	the	the	DET
issue-47	169	24	banks	bank	NOUN
issue-47	169	25	as	as	ADP
issue-47	169	26	constant	constant	ADJ
issue-47	169	27	type	type	NOUN
issue-47	169	28	of	of	ADP
issue-47	169	29	banking	banking	NOUN
issue-47	169	30	activity	activity	NOUN
issue-47	169	31	,	,	PUNCT
issue-47	169	32	but	but	CCONJ
issue-47	169	33	this	this	DET
issue-47	169	34	channel	channel	NOUN
issue-47	169	35	can	can	AUX
issue-47	169	36	be	be	AUX
issue-47	169	37	used	use	VERB
issue-47	169	38	as	as	ADP
issue-47	169	39	tool	tool	NOUN
issue-47	169	40	to	to	PART
issue-47	169	41	maintain	maintain	VERB
issue-47	169	42	liquidity	liquidity	NOUN
issue-47	169	43	.	.	PUNCT
issue-47	170	1	the	the	DET
issue-47	170	2	decision	decision	NOUN
issue-47	170	3	of	of	ADP
issue-47	170	4	these	these	DET
issue-47	170	5	two	two	NUM
issue-47	170	6	problems	problem	NOUN
issue-47	170	7	in	in	ADP
issue-47	170	8	ukraine	ukraine	PROPN
issue-47	170	9	leads	lead	VERB
issue-47	170	10	to	to	ADP
issue-47	170	11	the	the	DET
issue-47	170	12	development	development	NOUN
issue-47	170	13	of	of	ADP
issue-47	170	14	banking	banking	NOUN
issue-47	170	15	system	system	NOUN
issue-47	170	16	that	that	PRON
issue-47	170	17	has	have	VERB
issue-47	170	18	to	to	PART
issue-47	170	19	play	play	VERB
issue-47	170	20	the	the	DET
issue-47	170	21	main	main	ADJ
issue-47	170	22	role	role	NOUN
issue-47	170	23	in	in	ADP
issue-47	170	24	economic	economic	ADJ
issue-47	170	25	growth	growth	NOUN
issue-47	170	26	of	of	ADP
issue-47	170	27	the	the	DET
issue-47	170	28	country	country	NOUN
issue-47	170	29	.	.	PUNCT
issue-47	171	1	to	to	PART
issue-47	171	2	achieve	achieve	VERB
issue-47	171	3	this	this	DET
issue-47	171	4	goal	goal	NOUN
issue-47	171	5	it	it	PRON
issue-47	171	6	is	be	AUX
issue-47	171	7	necessary	necessary	ADJ
issue-47	171	8	to	to	PART
issue-47	171	9	combine	combine	VERB
issue-47	171	10	efforts	effort	NOUN
issue-47	171	11	of	of	ADP
issue-47	171	12	banking	banking	NOUN
issue-47	171	13	system	system	NOUN
issue-47	171	14	,	,	PUNCT
issue-47	171	15	under	under	ADP
issue-47	171	16	the	the	DET
issue-47	171	17	control	control	NOUN
issue-47	171	18	of	of	ADP
issue-47	171	19	the	the	DET
issue-47	171	20	national	national	PROPN
issue-47	171	21	bank	bank	PROPN
issue-47	171	22	,	,	PUNCT
issue-47	171	23	government	government	NOUN
issue-47	171	24	,	,	PUNCT
issue-47	171	25	parliament	parliament	NOUN
issue-47	171	26	and	and	CCONJ
issue-47	171	27	president	president	NOUN
issue-47	171	28	,	,	PUNCT
issue-47	171	29	that	that	PRON
issue-47	171	30	must	must	AUX
issue-47	171	31	be	be	AUX
issue-47	171	32	sent	send	VERB
issue-47	171	33	to	to	ADP
issue-47	171	34	realization	realization	NOUN
issue-47	171	35	of	of	ADP
issue-47	171	36	general	general	ADJ
issue-47	171	37	task	task	NOUN
issue-47	171	38	6	6	NUM
issue-47	171	39	.	.	PUNCT
issue-47	171	40	conclusions	conclusion	NOUN
issue-47	171	41	the	the	DET
issue-47	171	42	traditional	traditional	ADJ
issue-47	171	43	business	business	NOUN
issue-47	171	44	model	model	NOUN
issue-47	171	45	of	of	ADP
issue-47	171	46	bank	bank	NOUN
issue-47	171	47	on	on	ADP
issue-47	171	48	the	the	DET
issue-47	171	49	base	base	NOUN
issue-47	171	50	of	of	ADP
issue-47	171	51	business	business	NOUN
issue-47	171	52	model	model	NOUN
issue-47	171	53	convas	convas	PROPN
issue-47	171	54	was	be	AUX
issue-47	171	55	worked	work	VERB
issue-47	171	56	out	out	ADP
issue-47	171	57	.	.	PUNCT
issue-47	172	1	banks	bank	NOUN
issue-47	172	2	developed	develop	VERB
issue-47	172	3	new	new	ADJ
issue-47	172	4	business	business	NOUN
issue-47	172	5	models	model	NOUN
issue-47	172	6	and	and	CCONJ
issue-47	172	7	moved	move	VERB
issue-47	172	8	away	away	ADV
issue-47	172	9	from	from	ADP
issue-47	172	10	the	the	DET
issue-47	172	11	traditional	traditional	ADJ
issue-47	172	12	model	model	NOUN
issue-47	172	13	.	.	PUNCT
issue-47	173	1	the	the	DET
issue-47	173	2	trends	trend	NOUN
issue-47	173	3	in	in	ADP
issue-47	173	4	bank	bank	PROPN
issue-47	173	5	business	business	NOUN
issue-47	173	6	model	model	PROPN
issue-47	173	7	development	development	NOUN
issue-47	173	8	had	have	AUX
issue-47	173	9	been	be	AUX
issue-47	173	10	found	find	VERB
issue-47	173	11	.	.	PUNCT
issue-47	174	1	the	the	DET
issue-47	174	2	bank	bank	NOUN
issue-47	174	3	business	business	NOUN
issue-47	174	4	models	model	NOUN
issue-47	174	5	that	that	PRON
issue-47	174	6	were	be	AUX
issue-47	174	7	formed	form	VERB
issue-47	174	8	in	in	ADP
issue-47	174	9	ukraine	ukraine	NOUN
issue-47	174	10	had	have	AUX
issue-47	174	11	been	be	AUX
issue-47	174	12	identified	identify	VERB
issue-47	174	13	on	on	ADP
issue-47	174	14	the	the	DET
issue-47	174	15	base	base	NOUN
issue-47	174	16	of	of	ADP
issue-47	174	17	cluster	cluster	NOUN
issue-47	174	18	analyses	analysis	NOUN
issue-47	174	19	using	use	VERB
issue-47	174	20	balance	balance	NOUN
issue-47	174	21	sheet	sheet	NOUN
issue-47	174	22	characteristics	characteristic	NOUN
issue-47	174	23	of	of	ADP
issue-47	174	24	131	131	NUM
issue-47	174	25	ukrainian	ukrainian	ADJ
issue-47	174	26	banks	bank	NOUN
issue-47	174	27	.	.	PUNCT
issue-47	175	1	the	the	DET
issue-47	175	2	cluster	cluster	NOUN
issue-47	175	3	analyses	analysis	NOUN
issue-47	175	4	were	be	AUX
issue-47	175	5	taken	take	VERB
issue-47	175	6	on	on	ADP
issue-47	175	7	the	the	DET
issue-47	175	8	base	base	NOUN
issue-47	175	9	of	of	ADP
issue-47	175	10	seven	seven	NUM
issue-47	175	11	chosen	choose	VERB
issue-47	175	12	indicators	indicator	NOUN
issue-47	175	13	:	:	PUNCT
issue-47	175	14	bank	bank	NOUN
issue-47	175	15	loans	loan	NOUN
issue-47	175	16	,	,	PUNCT
issue-47	175	17	bank	bank	NOUN
issue-47	175	18	liabilities	liability	NOUN
issue-47	175	19	,	,	PUNCT
issue-47	175	20	enterprise	enterprise	NOUN
issue-47	175	21	loans	loan	NOUN
issue-47	175	22	,	,	PUNCT
issue-47	175	23	enterprise	enterprise	NOUN
issue-47	175	24	liabilities	liability	NOUN
issue-47	175	25	,	,	PUNCT
issue-47	175	26	household	household	NOUN
issue-47	175	27	loans	loan	NOUN
issue-47	175	28	,	,	PUNCT
issue-47	175	29	household	household	NOUN
issue-47	175	30	liabilities	liability	NOUN
issue-47	175	31	and	and	CCONJ
issue-47	175	32	trading	trading	NOUN
issue-47	175	33	assets	asset	NOUN
issue-47	175	34	.	.	PUNCT
issue-47	176	1	we	we	PRON
issue-47	176	2	found	find	VERB
issue-47	176	3	that	that	SCONJ
issue-47	176	4	in	in	ADP
issue-47	176	5	ukraine	ukraine	NOUN
issue-47	176	6	there	there	PRON
issue-47	176	7	were	be	AUX
issue-47	176	8	formed	form	VERB
issue-47	176	9	three	three	NUM
issue-47	176	10	types	type	NOUN
issue-47	176	11	of	of	ADP
issue-47	176	12	bank	bank	NOUN
issue-47	176	13	business	business	NOUN
issue-47	176	14	models	model	NOUN
issue-47	176	15	:	:	PUNCT
issue-47	176	16	“	"	PUNCT
issue-47	176	17	focused	focused	ADJ
issue-47	176	18	retail	retail	NOUN
issue-47	176	19	”	"	PUNCT
issue-47	176	20	,	,	PUNCT
issue-47	176	21	“	"	PUNCT
issue-47	176	22	diversified	diversified	ADJ
issue-47	176	23	retail	retail	NOUN
issue-47	176	24	”	"	PUNCT
issue-47	176	25	and	and	CCONJ
issue-47	176	26	“	"	PUNCT
issue-47	176	27	corporative	corporative	ADJ
issue-47	176	28	retail	retail	NOUN
issue-47	176	29	”	"	PUNCT
issue-47	176	30	.	.	PUNCT
issue-47	177	1	the	the	DET
issue-47	177	2	description	description	NOUN
issue-47	177	3	of	of	ADP
issue-47	177	4	each	each	DET
issue-47	177	5	model	model	NOUN
issue-47	177	6	was	be	AUX
issue-47	177	7	given	give	VERB
issue-47	177	8	according	accord	VERB
issue-47	177	9	to	to	ADP
issue-47	177	10	the	the	DET
issue-47	177	11	variance	variance	NOUN
issue-47	177	12	value	value	NOUN
issue-47	177	13	in	in	ADP
issue-47	177	14	each	each	DET
issue-47	177	15	cluster	cluster	NOUN
issue-47	177	16	.	.	PUNCT
issue-47	178	1	it	it	PRON
issue-47	178	2	was	be	AUX
issue-47	178	3	established	establish	VERB
issue-47	178	4	that	that	SCONJ
issue-47	178	5	bank	bank	NOUN
issue-47	178	6	business	business	NOUN
issue-47	178	7	models	model	NOUN
issue-47	178	8	that	that	PRON
issue-47	178	9	functioned	function	VERB
issue-47	178	10	in	in	ADP
issue-47	178	11	ukraine	ukraine	NOUN
issue-47	178	12	differed	differ	VERB
issue-47	178	13	from	from	ADP
issue-47	178	14	those	those	PRON
issue-47	178	15	that	that	PRON
issue-47	178	16	characterize	characterize	VERB
issue-47	178	17	european	european	ADJ
issue-47	178	18	banks	bank	NOUN
issue-47	178	19	.	.	PUNCT
issue-47	179	1	the	the	DET
issue-47	179	2	main	main	ADJ
issue-47	179	3	reasons	reason	NOUN
issue-47	179	4	of	of	ADP
issue-47	179	5	absence	absence	NOUN
issue-47	179	6	such	such	ADJ
issue-47	179	7	bank	bank	NOUN
issue-47	179	8	business	business	NOUN
issue-47	179	9	models	model	NOUN
issue-47	179	10	as	as	SCONJ
issue-47	179	11	investment	investment	NOUN
issue-47	179	12	and	and	CCONJ
issue-47	179	13	wholesale	wholesale	NOUN
issue-47	179	14	were	be	AUX
issue-47	179	15	analyzed	analyze	VERB
issue-47	179	16	.	.	PUNCT
issue-47	180	1	references	reference	NOUN
issue-47	180	2	al	al	PROPN
issue-47	180	3	-	-	PUNCT
issue-47	180	4	debei	debei	NOUN
issue-47	180	5	,	,	PUNCT
issue-47	180	6	m.	m.	NOUN
issue-47	180	7	m.	m.	NOUN
issue-47	180	8	,	,	PUNCT
issue-47	180	9	el	el	PROPN
issue-47	180	10	-	-	PUNCT
issue-47	180	11	haddadeh	haddadeh	PROPN
issue-47	180	12	,	,	PUNCT
issue-47	180	13	r.	r.	PROPN
issue-47	180	14	,	,	PUNCT
issue-47	180	15	&	&	CCONJ
issue-47	180	16	avison	avison	PROPN
issue-47	180	17	,	,	PUNCT
issue-47	180	18	d.	d.	PROPN
issue-47	180	19	(	(	PUNCT
issue-47	180	20	2008	2008	NUM
issue-47	180	21	)	)	PUNCT
issue-47	180	22	.	.	PUNCT
issue-47	181	1	"	"	PUNCT
issue-47	181	2	defining	define	VERB
issue-47	181	3	the	the	DET
issue-47	181	4	business	business	NOUN
issue-47	181	5	model	model	NOUN
issue-47	181	6	in	in	ADP
issue-47	181	7	the	the	DET
issue-47	181	8	new	new	ADJ
issue-47	181	9	world	world	NOUN
issue-47	181	10	of	of	ADP
issue-47	181	11	digital	digital	ADJ
issue-47	181	12	business	business	NOUN
issue-47	181	13	.	.	PUNCT
issue-47	181	14	"	"	PUNCT
issue-47	182	1	in	in	ADP
issue-47	182	2	proceedings	proceeding	NOUN
issue-47	182	3	of	of	ADP
issue-47	182	4	the	the	DET
issue-47	182	5	americas	americas	PROPN
issue-47	182	6	conference	conference	NOUN
issue-47	182	7	on	on	ADP
issue-47	182	8	information	information	NOUN
issue-47	182	9	systems	system	NOUN
issue-47	182	10	(	(	PUNCT
issue-47	182	11	amcis	amcis	ADJ
issue-47	182	12	)	)	PUNCT
issue-47	182	13	,	,	PUNCT
issue-47	182	14	vol	vol	NOUN
issue-47	182	15	.	.	PROPN
issue-47	182	16	2008	2008	NUM
issue-47	182	17	,	,	PUNCT
issue-47	182	18	pp	pp	ADJ
issue-47	182	19	.	.	PUNCT
issue-47	183	1	1	1	NUM
issue-47	183	2	-	-	SYM
issue-47	183	3	11	11	NUM
issue-47	183	4	.	.	PUNCT
issue-47	184	1	alexander	alexander	PROPN
issue-47	184	2	osterwalder	osterwalder	PROPN
issue-47	184	3	(	(	PUNCT
issue-47	184	4	2004	2004	NUM
issue-47	184	5	)	)	PUNCT
issue-47	184	6	.	.	PUNCT
issue-47	185	1	the	the	DET
issue-47	185	2	business	business	NOUN
issue-47	185	3	model	model	NOUN
issue-47	185	4	ontology	ontology	NOUN
issue-47	185	5	–	–	PUNCT
issue-47	185	6	a	a	DET
issue-47	185	7	proposition	proposition	NOUN
issue-47	185	8	in	in	ADP
issue-47	185	9	a	a	DET
issue-47	185	10	design	design	NOUN
issue-47	185	11	science	science	NOUN
issue-47	185	12	approach	approach	NOUN
issue-47	185	13	.	.	PUNCT
issue-47	186	1	phd	phd	NOUN
issue-47	186	2	thesis	thesis	PROPN
issue-47	186	3	university	university	PROPN
issue-47	186	4	of	of	ADP
issue-47	186	5	lausanne	lausanne	PROPN
issue-47	186	6	.	.	PUNCT
issue-47	187	1	[	[	X
issue-47	187	2	electronic	electronic	ADJ
issue-47	187	3	resource	resource	NOUN
issue-47	187	4	]	]	PUNCT
issue-47	187	5	.	.	PUNCT
issue-47	187	6	–	–	PUNCT
issue-47	187	7	retrieved	retrieve	VERB
issue-47	187	8	from	from	ADP
issue-47	187	9	:	:	PUNCT
issue-47	187	10	http://www.hec.unil.ch/aosterwa/	http://www.hec.unil.ch/aosterwa/	PROPN
issue-47	187	11	phd	phd	PROPN
issue-47	187	12	/	/	SYM
issue-47	187	13	osterwalder_phd_bm_ontology.pdf	osterwalder_phd_bm_ontology.pdf	NOUN
issue-47	187	14	ayadi	ayadi	NOUN
issue-47	187	15	,	,	PUNCT
issue-47	187	16	r	r	NOUN
issue-47	187	17	and	and	CCONJ
issue-47	187	18	w	w	PROPN
issue-47	187	19	de	de	X
issue-47	187	20	groen	groen	X
issue-47	187	21	(	(	PUNCT
issue-47	187	22	2014	2014	NUM
issue-47	187	23	):	):	PUNCT
issue-47	187	24	banking	banking	NOUN
issue-47	187	25	business	business	NOUN
issue-47	187	26	models	model	NOUN
issue-47	187	27	monitor	monitor	VERB
issue-47	187	28	2014	2014	NUM
issue-47	187	29	–	–	PUNCT
issue-47	187	30	europe	europe	PROPN
issue-47	187	31	,	,	PUNCT
issue-47	187	32	centre	centre	NOUN
issue-47	187	33	for	for	ADP
issue-47	187	34	european	european	ADJ
issue-47	187	35	policy	policy	NOUN
issue-47	187	36	studies	study	NOUN
issue-47	187	37	and	and	CCONJ
issue-47	187	38	international	international	ADJ
issue-47	187	39	observatory	observatory	NOUN
issue-47	187	40	on	on	ADP
issue-47	187	41	financial	financial	ADJ
issue-47	187	42	services	service	NOUN
issue-47	187	43	cooperatives	cooperative	NOUN
issue-47	187	44	.	.	PUNCT
issue-47	188	1	[	[	X
issue-47	188	2	electronic	electronic	ADJ
issue-47	188	3	resource	resource	NOUN
issue-47	188	4	]	]	PUNCT
issue-47	188	5	.	.	PUNCT
issue-47	188	6	–	–	PUNCT
issue-47	188	7	retrieved	retrieve	VERB
issue-47	188	8	from	from	ADP
issue-47	188	9	:	:	PUNCT
issue-47	188	10	https://www.ceps.eu/system/files/banking%20business%20models	https://www.ceps.eu/system/files/banking%20business%20models	NUM
issue-47	188	11	%	%	NOUN
issue-47	188	12	202014.pdf	202014.pdf	NUM
issue-47	188	13	bank	bank	NOUN
issue-47	188	14	of	of	ADP
issue-47	188	15	america	america	PROPN
issue-47	188	16	,	,	PUNCT
issue-47	188	17	merrill	merrill	PROPN
issue-47	188	18	lynch	lynch	PROPN
issue-47	188	19	(	(	PUNCT
issue-47	188	20	2015	2015	NUM
issue-47	188	21	)	)	PUNCT
issue-47	188	22	.	.	PUNCT
issue-47	189	1	lbofaml	lbofaml	AUX
issue-47	189	2	’s	’s	ADV
issue-47	189	3	transforming	transform	VERB
issue-47	189	4	world	world	PROPN
issue-47	189	5	atlas	atlas	PROPN
issue-47	189	6	,	,	PUNCT
issue-47	189	7	04	04	NUM
issue-47	189	8	august	august	PROPN
issue-47	189	9	2015	2015	NUM
issue-47	190	1	[	[	X
issue-47	190	2	electronic	electronic	ADJ
issue-47	190	3	resource	resource	NOUN
issue-47	190	4	]	]	PUNCT
issue-47	190	5	.	.	PUNCT
issue-47	191	1	–	–	PUNCT
issue-47	191	2	retrieved	retrieve	VERB
issue-47	191	3	from	from	ADP
issue-47	191	4	:	:	PUNCT
issue-47	191	5	http://www.bofaml.com/content/dam/boamlimages/documents/pdfs/	http://www.bofaml.com/content/dam/boamlimages/documents/pdfs/	PROPN
issue-47	191	6	bofamlatwatlas.pdf	bofamlatwatlas.pdf	X
issue-47	191	7	bank	bank	NOUN
issue-47	191	8	ranking	ranking	NOUN
issue-47	191	9	(	(	PUNCT
issue-47	191	10	2015	2015	NUM
issue-47	191	11	)	)	PUNCT
issue-47	191	12	–	–	PUNCT
issue-47	191	13	top	top	ADJ
issue-47	191	14	banks	bank	NOUN
issue-47	191	15	in	in	ADP
issue-47	191	16	the	the	DET
issue-47	191	17	world	world	NOUN
issue-47	191	18	.	.	PUNCT
issue-47	192	1	[	[	X
issue-47	192	2	electronic	electronic	ADJ
issue-47	192	3	resource	resource	NOUN
issue-47	192	4	]	]	PUNCT
issue-47	192	5	.	.	PUNCT
issue-47	192	6	–	–	PUNCT
issue-47	192	7	retrieved	retrieve	VERB
issue-47	192	8	from	from	ADP
issue-47	192	9	:	:	PUNCT
issue-47	192	10	http://www.accuity.com/	http://www.accuity.com/	NOUN
issue-47	192	11	useful	useful	ADJ
issue-47	192	12	-	-	PUNCT
issue-47	192	13	links	link	NOUN
issue-47	192	14	/	/	SYM
issue-47	192	15	bank	bank	NOUN
issue-47	192	16	-	-	PUNCT
issue-47	192	17	rankings/	rankings/	NUM
issue-47	192	18	david	david	PROPN
issue-47	192	19	,	,	PUNCT
issue-47	192	20	t.	t.	PROPN
issue-47	192	21	llewellyn	llewellyn	PROPN
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issue-47	194	10	structures	structure	NOUN
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issue-47	194	12	country	country	NOUN
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issue-47	195	9	:	:	PUNCT
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issue-47	196	5	,	,	PUNCT
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issue-47	196	9	.	.	PUNCT
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issue-47	197	4	,	,	PUNCT
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issue-47	199	9	:	:	PUNCT
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issue-47	200	9	:	:	PUNCT
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issue-47	200	16	/	/	SYM
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issue-47	202	9	:	:	PUNCT
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issue-47	204	5	.	.	PUNCT
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issue-47	204	7	retrieved	retrieve	VERB
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issue-47	204	9	:	:	PUNCT
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issue-47	211	6	похожими	похожими	PROPN
issue-47	211	7	бизнес	бизнес	PROPN
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issue-47	218	20	также	также	PROPN
issue-47	218	21	выявить	выявить	PROPN
issue-47	218	22	основные	основные	PROPN
issue-47	218	23	проблемы	проблемы	PROPN
issue-47	218	24	,	,	PUNCT
issue-47	218	25	которые	которые	ADP
issue-47	218	26	сопровождают	сопровождают	ADJ
issue-47	218	27	развитие	развитие	ADJ
issue-47	218	28	отечественной	отечественной	PROPN
issue-47	218	29	банковской	банковской	VERB
issue-47	218	30	системы	системы	PROPN
issue-47	218	31	.	.	PUNCT
issue-47	219	1	определение	определение	PROPN
issue-47	219	2	бизнес	бизнес	PROPN
issue-47	219	3	моделей	моделей	PROPN
issue-47	219	4	банков	банков	PROPN
issue-47	219	5	и	и	PROPN
issue-47	219	6	их	их	PROPN
issue-47	219	7	изучение	изучение	ADJ
issue-47	219	8	позволит	позволит	ADJ
issue-47	219	9	упростить	упростить	PROPN
issue-47	219	10	исследование	исследование	PROPN
issue-47	219	11	и	и	PROPN
issue-47	219	12	выбор	выбор	NOUN
issue-47	219	13	инструментов	инструментов	NOUN
issue-47	219	14	регулирования	регулирования	VERB
issue-47	219	15	для	для	PROPN
issue-47	219	16	каждой	каждой	NOUN
issue-47	219	17	банковской	банковской	NOUN
issue-47	219	18	бизнес	бизнес	PROPN
issue-47	219	19	модели	модели	VERB
issue-47	219	20	,	,	PUNCT
issue-47	219	21	так	так	NOUN
issue-47	219	22	как	как	VERB
issue-47	219	23	между	между	ADJ
issue-47	219	24	ними	ними	NOUN
issue-47	219	25	существует	существует	PROPN
issue-47	219	26	двухстороння	двухстороння	PROPN
issue-47	219	27	связь	связь	PROPN
issue-47	219	28	.	.	PUNCT
issue-47	220	1	значение	значение	PROPN
issue-47	220	2	/	/	SYM
issue-47	220	3	оригинальность	оригинальность	PROPN
issue-47	220	4	.	.	PUNCT
issue-47	221	1	подобное	подобное	PROPN
issue-47	221	2	исследование	исследование	PROPN
issue-47	221	3	среди	среди	PROPN
issue-47	221	4	украинских	украинских	PROPN
issue-47	221	5	банков	банков	PROPN
issue-47	221	6	проводилось	проводилось	PROPN
issue-47	221	7	впервые	впервые	PROPN
issue-47	221	8	.	.	PROPN
issue-47	222	1	основные	основные	PROPN
issue-47	222	2	различия	различия	NOUN
issue-47	222	3	между	между	PROPN
issue-47	222	4	европейскими	европейскими	VERB
issue-47	222	5	и	и	PROPN
issue-47	222	6	украинскими	украинскими	NOUN
issue-47	222	7	бизнес	бизнес	NOUN
issue-47	222	8	моделями	моделями	ADJ
issue-47	222	9	банков	банков	PROPN
issue-47	222	10	были	были	PROPN
issue-47	222	11	выделены	выделены	NOUN
issue-47	222	12	.	.	PUNCT
issue-47	223	1	рекомендации	рекомендации	NOUN
issue-47	223	2	относительно	относительно	PROPN
issue-47	223	3	улучшения	улучшения	NOUN
issue-47	223	4	бизнес	бизнес	NOUN
issue-47	223	5	моделей	моделей	NOUN
issue-47	223	6	банков	банков	NOUN
issue-47	223	7	украины	украины	VERB
issue-47	223	8	были	были	NOUN
issue-47	223	9	разработаны	разработаны	NOUN
issue-47	223	10	.	.	PUNCT