id sid tid token lemma pos issue-871 1 1 baltic baltic PROPN issue-871 1 2 journal journal PROPN issue-871 1 3 of of ADP issue-871 1 4 economic economic ADJ issue-871 1 5 studies study NOUN issue-871 1 6 156 156 NUM issue-871 1 7 vol vol NOUN issue-871 1 8 . . PROPN issue-871 2 1 6 6 NUM issue-871 2 2 , , PUNCT issue-871 2 3 no no INTJ issue-871 2 4 . . NOUN issue-871 2 5 4 4 NUM issue-871 2 6 , , PUNCT issue-871 2 7 2020 2020 NUM issue-871 2 8 corresponding correspond VERB issue-871 2 9 author author NOUN issue-871 2 10 : : PUNCT issue-871 2 11 1 1 NUM issue-871 2 12 mukachevo mukachevo PROPN issue-871 2 13 state state PROPN issue-871 2 14 university university PROPN issue-871 2 15 , , PUNCT issue-871 2 16 ukraine ukraine NOUN issue-871 2 17 . . PUNCT issue-871 3 1 e e X issue-871 3 2 - - NOUN issue-871 3 3 mail mail NOUN issue-871 3 4 : : PUNCT issue-871 4 1 stegneym@gmail.com stegneym@gmail.com X issue-871 4 2 orcid orcid NOUN issue-871 4 3 : : PUNCT issue-871 4 4 https://orcid.org/0000-0002-4688-6447 https://orcid.org/0000-0002-4688-6447 PROPN issue-871 4 5 2 2 NUM issue-871 4 6 uzhhorod uzhhorod PROPN issue-871 4 7 national national PROPN issue-871 4 8 university university PROPN issue-871 4 9 , , PUNCT issue-871 4 10 ukraine ukraine NOUN issue-871 4 11 . . PUNCT issue-871 5 1 e e X issue-871 5 2 - - NOUN issue-871 5 3 mail mail NOUN issue-871 5 4 : : PUNCT issue-871 5 5 maryna.korol@uzhnu.edu.ua maryna.korol@uzhnu.edu.ua PROPN issue-871 5 6 orcid orcid NOUN issue-871 5 7 : : PUNCT issue-871 6 1 https://orcid.org/0000-0003-4031-0858 https://orcid.org/0000-0003-4031-0858 PRON issue-871 6 2 doi doi NOUN issue-871 6 3 : : PUNCT issue-871 6 4 https://doi.org/10.30525/2256-0742/2020-6-4-156-167 https://doi.org/10.30525/2256-0742/2020-6-4-156-167 VERB issue-871 6 5 analysis analysis NOUN issue-871 6 6 of of ADP issue-871 6 7 the the DET issue-871 6 8 dynamics dynamic NOUN issue-871 6 9 of of ADP issue-871 6 10 the the DET issue-871 6 11 european european ADJ issue-871 6 12 banking banking NOUN issue-871 6 13 system system NOUN issue-871 6 14 marianna marianna PROPN issue-871 6 15 stehnei1 stehnei1 PROPN issue-871 6 16 , , PUNCT issue-871 6 17 maryna maryna NOUN issue-871 6 18 korol2 korol2 PROPN issue-871 6 19 abstract abstract ADJ issue-871 6 20 . . PUNCT issue-871 7 1 relevance relevance NOUN issue-871 7 2 of of ADP issue-871 7 3 research research NOUN issue-871 7 4 . . PUNCT issue-871 8 1 existence existence NOUN issue-871 8 2 of of ADP issue-871 8 3 global global ADJ issue-871 8 4 financial financial ADJ issue-871 8 5 crises crisis NOUN issue-871 8 6 points point VERB issue-871 8 7 to to ADP issue-871 8 8 the the DET issue-871 8 9 fact fact NOUN issue-871 8 10 that that SCONJ issue-871 8 11 in in ADP issue-871 8 12 the the DET issue-871 8 13 world world NOUN issue-871 8 14 there there PRON issue-871 8 15 is be VERB issue-871 8 16 no no DET issue-871 8 17 perfect perfect ADJ issue-871 8 18 banking banking NOUN issue-871 8 19 system system NOUN issue-871 8 20 and and CCONJ issue-871 8 21 therefore therefore ADV issue-871 8 22 the the DET issue-871 8 23 efficiency efficiency NOUN issue-871 8 24 of of ADP issue-871 8 25 the the DET issue-871 8 26 banking banking NOUN issue-871 8 27 system system NOUN issue-871 8 28 requires require VERB issue-871 8 29 a a DET issue-871 8 30 detailed detailed ADJ issue-871 8 31 study study NOUN issue-871 8 32 , , PUNCT issue-871 8 33 including include VERB issue-871 8 34 major major ADJ issue-871 8 35 performance performance NOUN issue-871 8 36 indicators indicator NOUN issue-871 8 37 . . PUNCT issue-871 9 1 the the DET issue-871 9 2 aim aim NOUN issue-871 9 3 of of ADP issue-871 9 4 the the DET issue-871 9 5 study study NOUN issue-871 9 6 is be AUX issue-871 9 7 to to PART issue-871 9 8 summarize summarize VERB issue-871 9 9 and and CCONJ issue-871 9 10 characterize characterize VERB issue-871 9 11 the the DET issue-871 9 12 existing exist VERB issue-871 9 13 trends trend NOUN issue-871 9 14 of of ADP issue-871 9 15 banking banking NOUN issue-871 9 16 system system NOUN issue-871 9 17 evolution evolution NOUN issue-871 9 18 in in ADP issue-871 9 19 the the DET issue-871 9 20 european european PROPN issue-871 9 21 union union PROPN issue-871 9 22 . . PUNCT issue-871 10 1 methodological methodological ADJ issue-871 10 2 basis basis NOUN issue-871 10 3 of of ADP issue-871 10 4 the the DET issue-871 10 5 study study NOUN issue-871 10 6 – – PUNCT issue-871 10 7 is be AUX issue-871 10 8 based base VERB issue-871 10 9 on on ADP issue-871 10 10 the the DET issue-871 10 11 analysis analysis NOUN issue-871 10 12 of of ADP issue-871 10 13 the the DET issue-871 10 14 study study NOUN issue-871 10 15 of of ADP issue-871 10 16 the the DET issue-871 10 17 dynamics dynamic NOUN issue-871 10 18 of of ADP issue-871 10 19 such such ADJ issue-871 10 20 indicators indicator NOUN issue-871 10 21 as as ADP issue-871 10 22 the the DET issue-871 10 23 number number NOUN issue-871 10 24 of of ADP issue-871 10 25 banking banking NOUN issue-871 10 26 institutions institution NOUN issue-871 10 27 , , PUNCT issue-871 10 28 the the DET issue-871 10 29 volume volume NOUN issue-871 10 30 of of ADP issue-871 10 31 assets asset NOUN issue-871 10 32 and and CCONJ issue-871 10 33 liabilities liability NOUN issue-871 10 34 , , PUNCT issue-871 10 35 asset asset NOUN issue-871 10 36 quality quality NOUN issue-871 10 37 , , PUNCT issue-871 10 38 as as ADV issue-871 10 39 well well ADV issue-871 10 40 as as ADP issue-871 10 41 the the DET issue-871 10 42 profitability profitability NOUN issue-871 10 43 of of ADP issue-871 10 44 the the DET issue-871 10 45 banking banking NOUN issue-871 10 46 sector sector NOUN issue-871 10 47 of of ADP issue-871 10 48 the the DET issue-871 10 49 european european PROPN issue-871 10 50 union union PROPN issue-871 10 51 . . PUNCT issue-871 11 1 a a DET issue-871 11 2 systematic systematic ADJ issue-871 11 3 analysis analysis NOUN issue-871 11 4 of of ADP issue-871 11 5 the the DET issue-871 11 6 quantitative quantitative ADJ issue-871 11 7 and and CCONJ issue-871 11 8 qualitative qualitative ADJ issue-871 11 9 composition composition NOUN issue-871 11 10 of of ADP issue-871 11 11 the the DET issue-871 11 12 above above ADV issue-871 11 13 - - PUNCT issue-871 11 14 mentioned mention VERB issue-871 11 15 banking banking NOUN issue-871 11 16 indicators indicator NOUN issue-871 11 17 , , PUNCT issue-871 11 18 synthesis synthesis NOUN issue-871 11 19 and and CCONJ issue-871 11 20 generalization generalization NOUN issue-871 11 21 were be AUX issue-871 11 22 used use VERB issue-871 11 23 to to PART issue-871 11 24 generalize generalize VERB issue-871 11 25 and and CCONJ issue-871 11 26 formulate formulate ADJ issue-871 11 27 conclusions conclusion NOUN issue-871 11 28 . . PUNCT issue-871 12 1 scientific scientific ADJ issue-871 12 2 results result NOUN issue-871 12 3 . . PUNCT issue-871 13 1 this this DET issue-871 13 2 article article NOUN issue-871 13 3 is be AUX issue-871 13 4 devoted devote VERB issue-871 13 5 to to ADP issue-871 13 6 the the DET issue-871 13 7 study study NOUN issue-871 13 8 of of ADP issue-871 13 9 the the DET issue-871 13 10 dynamics dynamic NOUN issue-871 13 11 of of ADP issue-871 13 12 the the DET issue-871 13 13 main main ADJ issue-871 13 14 indicators indicator NOUN issue-871 13 15 of of ADP issue-871 13 16 the the DET issue-871 13 17 european european ADJ issue-871 13 18 banking banking NOUN issue-871 13 19 system system NOUN issue-871 13 20 during during ADP issue-871 13 21 the the DET issue-871 13 22 period period NOUN issue-871 13 23 from from ADP issue-871 13 24 2000 2000 NUM issue-871 13 25 to to ADP issue-871 13 26 2019 2019 NUM issue-871 13 27 inclusive inclusive NOUN issue-871 13 28 . . PUNCT issue-871 14 1 it it PRON issue-871 14 2 is be AUX issue-871 14 3 argued argue VERB issue-871 14 4 that that SCONJ issue-871 14 5 the the DET issue-871 14 6 number number NOUN issue-871 14 7 of of ADP issue-871 14 8 commercial commercial ADJ issue-871 14 9 banks bank NOUN issue-871 14 10 has have AUX issue-871 14 11 decreased decrease VERB issue-871 14 12 over over ADP issue-871 14 13 the the DET issue-871 14 14 last last ADJ issue-871 14 15 decade decade NOUN issue-871 14 16 , , PUNCT issue-871 14 17 including include VERB issue-871 14 18 in in ADP issue-871 14 19 the the DET issue-871 14 20 european european PROPN issue-871 14 21 union union PROPN issue-871 14 22 . . PUNCT issue-871 15 1 bank bank NOUN issue-871 15 2 branches branch NOUN issue-871 15 3 are be AUX issue-871 15 4 no no DET issue-871 15 5 exception exception NOUN issue-871 15 6 , , PUNCT issue-871 15 7 the the DET issue-871 15 8 negative negative ADJ issue-871 15 9 dynamics dynamic NOUN issue-871 15 10 of of ADP issue-871 15 11 the the DET issue-871 15 12 number number NOUN issue-871 15 13 of of ADP issue-871 15 14 which which PRON issue-871 15 15 was be AUX issue-871 15 16 followed follow VERB issue-871 15 17 by by ADP issue-871 15 18 the the DET issue-871 15 19 global global ADJ issue-871 15 20 financial financial ADJ issue-871 15 21 crisis crisis NOUN issue-871 15 22 of of ADP issue-871 15 23 2008 2008 NUM issue-871 15 24 - - SYM issue-871 15 25 2009 2009 NUM issue-871 15 26 . . PUNCT issue-871 16 1 at at ADP issue-871 16 2 the the DET issue-871 16 3 same same ADJ issue-871 16 4 time time NOUN issue-871 16 5 , , PUNCT issue-871 16 6 it it PRON issue-871 16 7 was be AUX issue-871 16 8 found find VERB issue-871 16 9 that that SCONJ issue-871 16 10 the the DET issue-871 16 11 volume volume NOUN issue-871 16 12 of of ADP issue-871 16 13 bank bank NOUN issue-871 16 14 assets asset NOUN issue-871 16 15 shows show VERB issue-871 16 16 a a DET issue-871 16 17 positive positive ADJ issue-871 16 18 trend trend NOUN issue-871 16 19 . . PUNCT issue-871 17 1 regarding regard VERB issue-871 17 2 the the DET issue-871 17 3 geographical geographical ADJ issue-871 17 4 distribution distribution NOUN issue-871 17 5 of of ADP issue-871 17 6 assets asset NOUN issue-871 17 7 , , PUNCT issue-871 17 8 in in ADP issue-871 17 9 2019 2019 NUM issue-871 17 10 the the DET issue-871 17 11 leading lead VERB issue-871 17 12 position position NOUN issue-871 17 13 was be AUX issue-871 17 14 taken take VERB issue-871 17 15 by by ADP issue-871 17 16 france france PROPN issue-871 17 17 , , PUNCT issue-871 17 18 germany germany PROPN issue-871 17 19 , , PUNCT issue-871 17 20 italy italy PROPN issue-871 17 21 and and CCONJ issue-871 17 22 spain spain PROPN issue-871 17 23 . . PUNCT issue-871 18 1 at at ADP issue-871 18 2 the the DET issue-871 18 3 same same ADJ issue-871 18 4 time time NOUN issue-871 18 5 , , PUNCT issue-871 18 6 the the DET issue-871 18 7 volumes volume NOUN issue-871 18 8 of of ADP issue-871 18 9 liabilities liability NOUN issue-871 18 10 of of ADP issue-871 18 11 the the DET issue-871 18 12 financial financial ADJ issue-871 18 13 sector sector NOUN issue-871 18 14 of of ADP issue-871 18 15 the the DET issue-871 18 16 european european PROPN issue-871 18 17 union union PROPN issue-871 18 18 for for ADP issue-871 18 19 the the DET issue-871 18 20 studied study VERB issue-871 18 21 period period NOUN issue-871 18 22 also also ADV issue-871 18 23 show show VERB issue-871 18 24 a a DET issue-871 18 25 positive positive ADJ issue-871 18 26 trend trend NOUN issue-871 18 27 . . PUNCT issue-871 19 1 the the DET issue-871 19 2 structure structure NOUN issue-871 19 3 of of ADP issue-871 19 4 loans loan NOUN issue-871 19 5 is be AUX issue-871 19 6 characterized characterize VERB issue-871 19 7 and and CCONJ issue-871 19 8 it it PRON issue-871 19 9 is be AUX issue-871 19 10 emphasized emphasize VERB issue-871 19 11 that that SCONJ issue-871 19 12 the the DET issue-871 19 13 vast vast ADJ issue-871 19 14 majority majority NOUN issue-871 19 15 of of ADP issue-871 19 16 loans loan NOUN issue-871 19 17 are be AUX issue-871 19 18 issued issue VERB issue-871 19 19 to to ADP issue-871 19 20 non non ADJ issue-871 19 21 - - ADJ issue-871 19 22 financial financial ADJ issue-871 19 23 corporations corporation NOUN issue-871 19 24 and and CCONJ issue-871 19 25 households household NOUN issue-871 19 26 , , PUNCT issue-871 19 27 which which PRON issue-871 19 28 is be AUX issue-871 19 29 an an DET issue-871 19 30 evidence evidence NOUN issue-871 19 31 of of ADP issue-871 19 32 the the DET issue-871 19 33 business business NOUN issue-871 19 34 orientation orientation NOUN issue-871 19 35 of of ADP issue-871 19 36 banks bank NOUN issue-871 19 37 to to PART issue-871 19 38 provide provide VERB issue-871 19 39 loans loan NOUN issue-871 19 40 to to ADP issue-871 19 41 the the DET issue-871 19 42 real real ADJ issue-871 19 43 sector sector NOUN issue-871 19 44 of of ADP issue-871 19 45 the the DET issue-871 19 46 economy economy NOUN issue-871 19 47 . . PUNCT issue-871 20 1 it it PRON issue-871 20 2 has have AUX issue-871 20 3 been be AUX issue-871 20 4 established establish VERB issue-871 20 5 that that SCONJ issue-871 20 6 one one NUM issue-871 20 7 of of ADP issue-871 20 8 the the DET issue-871 20 9 key key ADJ issue-871 20 10 problems problem NOUN issue-871 20 11 facing face VERB issue-871 20 12 european european ADJ issue-871 20 13 banks bank NOUN issue-871 20 14 is be AUX issue-871 20 15 profitability profitability NOUN issue-871 20 16 , , PUNCT issue-871 20 17 which which PRON issue-871 20 18 today today NOUN issue-871 20 19 still still ADV issue-871 20 20 could could AUX issue-871 20 21 be be AUX issue-871 20 22 on on ADP issue-871 20 23 a a DET issue-871 20 24 better well ADJ issue-871 20 25 level level NOUN issue-871 20 26 than than ADP issue-871 20 27 in in ADP issue-871 20 28 2007 2007 NUM issue-871 20 29 , , PUNCT issue-871 20 30 the the DET issue-871 20 31 year year NOUN issue-871 20 32 of of ADP issue-871 20 33 the the DET issue-871 20 34 financial financial ADJ issue-871 20 35 surge surge NOUN issue-871 20 36 . . PUNCT issue-871 21 1 this this DET issue-871 21 2 situation situation NOUN issue-871 21 3 distances distance VERB issue-871 21 4 european european ADJ issue-871 21 5 banks bank NOUN issue-871 21 6 from from ADP issue-871 21 7 competitors competitor NOUN issue-871 21 8 in in ADP issue-871 21 9 the the DET issue-871 21 10 united united PROPN issue-871 21 11 states states PROPN issue-871 21 12 , , PUNCT issue-871 21 13 which which PRON issue-871 21 14 have have AUX issue-871 21 15 shown show VERB issue-871 21 16 positive positive ADJ issue-871 21 17 dynamics dynamic NOUN issue-871 21 18 of of ADP issue-871 21 19 their their PRON issue-871 21 20 profits profit NOUN issue-871 21 21 . . PUNCT issue-871 22 1 however however ADV issue-871 22 2 , , PUNCT issue-871 22 3 it it PRON issue-871 22 4 is be AUX issue-871 22 5 encouraging encouraging ADJ issue-871 22 6 that that SCONJ issue-871 22 7 the the DET issue-871 22 8 quality quality NOUN issue-871 22 9 of of ADP issue-871 22 10 assets asset NOUN issue-871 22 11 of of ADP issue-871 22 12 the the DET issue-871 22 13 european european PROPN issue-871 22 14 union union PROPN issue-871 22 15 banks bank NOUN issue-871 22 16 has have AUX issue-871 22 17 significantly significantly ADV issue-871 22 18 improved improve VERB issue-871 22 19 over over ADP issue-871 22 20 the the DET issue-871 22 21 last last ADJ issue-871 22 22 4 4 NUM issue-871 22 23 years year NOUN issue-871 22 24 . . PUNCT issue-871 23 1 the the DET issue-871 23 2 practical practical ADJ issue-871 23 3 significance significance NOUN issue-871 23 4 of of ADP issue-871 23 5 the the DET issue-871 23 6 study study NOUN issue-871 23 7 is be AUX issue-871 23 8 to to PART issue-871 23 9 rate rate VERB issue-871 23 10 the the DET issue-871 23 11 strengths strength NOUN issue-871 23 12 and and CCONJ issue-871 23 13 weaknesses weakness NOUN issue-871 23 14 of of ADP issue-871 23 15 the the DET issue-871 23 16 european european ADJ issue-871 23 17 banking banking NOUN issue-871 23 18 system system NOUN issue-871 23 19 . . PUNCT issue-871 24 1 significance significance NOUN issue-871 24 2 / / SYM issue-871 24 3 originality originality NOUN issue-871 24 4 . . PUNCT issue-871 25 1 the the DET issue-871 25 2 results result NOUN issue-871 25 3 achieved achieve VERB issue-871 25 4 from from ADP issue-871 25 5 an an DET issue-871 25 6 integrated integrated ADJ issue-871 25 7 view view NOUN issue-871 25 8 of of ADP issue-871 25 9 the the DET issue-871 25 10 functioning functioning NOUN issue-871 25 11 of of ADP issue-871 25 12 the the DET issue-871 25 13 banking banking NOUN issue-871 25 14 system system NOUN issue-871 25 15 of of ADP issue-871 25 16 the the DET issue-871 25 17 european european PROPN issue-871 25 18 union union PROPN issue-871 25 19 , , PUNCT issue-871 25 20 which which PRON issue-871 25 21 will will AUX issue-871 25 22 allow allow VERB issue-871 25 23 the the DET issue-871 25 24 authors author NOUN issue-871 25 25 to to PART issue-871 25 26 further far ADV issue-871 25 27 build build VERB issue-871 25 28 a a DET issue-871 25 29 model model NOUN issue-871 25 30 for for ADP issue-871 25 31 verifying verify VERB issue-871 25 32 the the DET issue-871 25 33 stability stability NOUN issue-871 25 34 of of ADP issue-871 25 35 the the DET issue-871 25 36 banking banking NOUN issue-871 25 37 system system NOUN issue-871 25 38 . . PUNCT issue-871 26 1 key key ADJ issue-871 26 2 words word NOUN issue-871 26 3 : : PUNCT issue-871 26 4 banks bank NOUN issue-871 26 5 , , PUNCT issue-871 26 6 european european ADJ issue-871 26 7 banking banking NOUN issue-871 26 8 system system NOUN issue-871 26 9 , , PUNCT issue-871 26 10 assets asset NOUN issue-871 26 11 and and CCONJ issue-871 26 12 liabilities liability NOUN issue-871 26 13 of of ADP issue-871 26 14 commercial commercial ADJ issue-871 26 15 banks bank NOUN issue-871 26 16 , , PUNCT issue-871 26 17 financial financial ADJ issue-871 26 18 sector sector NOUN issue-871 26 19 , , PUNCT issue-871 26 20 distressed distressed ADJ issue-871 26 21 loans loan NOUN issue-871 26 22 . . PUNCT issue-871 27 1 jel jel PROPN issue-871 27 2 classіfіcatіon classіfіcatіon PROPN issue-871 27 3 : : PUNCT issue-871 27 4 e51 e51 NOUN issue-871 27 5 , , PUNCT issue-871 27 6 e59 e59 NOUN issue-871 27 7 , , PUNCT issue-871 27 8 g21 g21 PROPN issue-871 27 9 , , PUNCT issue-871 27 10 g34 g34 PROPN issue-871 27 11 1 1 NUM issue-871 27 12 . . PUNCT issue-871 27 13 introduction introduction NOUN issue-871 27 14 the the DET issue-871 27 15 key key NOUN issue-871 27 16 to to ADP issue-871 27 17 a a DET issue-871 27 18 successful successful ADJ issue-871 27 19 economy economy NOUN issue-871 27 20 in in ADP issue-871 27 21 any any DET issue-871 27 22 country country NOUN issue-871 27 23 is be AUX issue-871 27 24 an an DET issue-871 27 25 efficient efficient ADJ issue-871 27 26 banking banking NOUN issue-871 27 27 system system NOUN issue-871 27 28 . . PUNCT issue-871 28 1 after after ADV issue-871 28 2 all all ADV issue-871 28 3 , , PUNCT issue-871 28 4 it it PRON issue-871 28 5 is be AUX issue-871 28 6 well well ADV issue-871 28 7 - - PUNCT issue-871 28 8 functioning function VERB issue-871 28 9 banking banking NOUN issue-871 28 10 systems system NOUN issue-871 28 11 that that PRON issue-871 28 12 are be AUX issue-871 28 13 able able ADJ issue-871 28 14 to to PART issue-871 28 15 mobilize mobilize VERB issue-871 28 16 and and CCONJ issue-871 28 17 efficiently efficiently ADV issue-871 28 18 allocate allocate ADJ issue-871 28 19 resources resource NOUN issue-871 28 20 so so SCONJ issue-871 28 21 that that SCONJ issue-871 28 22 the the DET issue-871 28 23 country country NOUN issue-871 28 24 ’s ’s PART issue-871 28 25 “ " PUNCT issue-871 28 26 blood blood NOUN issue-871 28 27 vessels vessel NOUN issue-871 28 28 ” " PUNCT issue-871 28 29 function function NOUN issue-871 28 30 effectively effectively ADV issue-871 28 31 . . PUNCT issue-871 29 1 as as ADP issue-871 29 2 hundreds hundred NOUN issue-871 29 3 of of ADP issue-871 29 4 years year NOUN issue-871 29 5 ago ago ADV issue-871 29 6 , , PUNCT issue-871 29 7 today today NOUN issue-871 29 8 ’s ’s PART issue-871 29 9 bankers banker NOUN issue-871 29 10 seek seek VERB issue-871 29 11 to to PART issue-871 29 12 expand expand VERB issue-871 29 13 their their PRON issue-871 29 14 activities activity NOUN issue-871 29 15 in in ADP issue-871 29 16 all all DET issue-871 29 17 possible possible ADJ issue-871 29 18 aspects aspect NOUN issue-871 29 19 , , PUNCT issue-871 29 20 offering offer VERB issue-871 29 21 both both CCONJ issue-871 29 22 traditional traditional ADJ issue-871 29 23 and and CCONJ issue-871 29 24 non non ADJ issue-871 29 25 - - ADJ issue-871 29 26 traditional traditional ADJ issue-871 29 27 banking banking NOUN issue-871 29 28 services service NOUN issue-871 29 29 . . PUNCT issue-871 30 1 the the DET issue-871 30 2 growing grow VERB issue-871 30 3 interest interest NOUN issue-871 30 4 to to ADP issue-871 30 5 the the DET issue-871 30 6 financial financial ADJ issue-871 30 7 problems problem NOUN issue-871 30 8 of of ADP issue-871 30 9 the the DET issue-871 30 10 european european PROPN issue-871 30 11 union union PROPN issue-871 30 12 can can AUX issue-871 30 13 be be AUX issue-871 30 14 argued argue VERB issue-871 30 15 by by ADP issue-871 30 16 the the DET issue-871 30 17 fact fact NOUN issue-871 30 18 that that SCONJ issue-871 30 19 the the DET issue-871 30 20 european european ADJ issue-871 30 21 banking banking NOUN issue-871 30 22 system system NOUN issue-871 30 23 has have AUX issue-871 30 24 survived survive VERB issue-871 30 25 the the DET issue-871 30 26 global global ADJ issue-871 30 27 financial financial ADJ issue-871 30 28 crisis crisis NOUN issue-871 30 29 , , PUNCT issue-871 30 30 which which PRON issue-871 30 31 has have AUX issue-871 30 32 resulted result VERB issue-871 30 33 in in ADP issue-871 30 34 significant significant ADJ issue-871 30 35 problems problem NOUN issue-871 30 36 that that PRON issue-871 30 37 need need VERB issue-871 30 38 to to PART issue-871 30 39 be be AUX issue-871 30 40 resolved resolve VERB issue-871 30 41 in in ADP issue-871 30 42 order order NOUN issue-871 30 43 to to PART issue-871 30 44 continue continue VERB issue-871 30 45 further further ADJ issue-871 30 46 effective effective ADJ issue-871 30 47 functioning functioning NOUN issue-871 30 48 . . PUNCT issue-871 31 1 undoubtedly undoubtedly ADV issue-871 31 2 , , PUNCT issue-871 31 3 the the DET issue-871 31 4 european european ADJ issue-871 31 5 banking banking NOUN issue-871 31 6 system system NOUN issue-871 31 7 is be AUX issue-871 31 8 extremely extremely ADV issue-871 31 9 important important ADJ issue-871 31 10 in in ADP issue-871 31 11 the the DET issue-871 31 12 world world NOUN issue-871 31 13 market market NOUN issue-871 31 14 economy economy NOUN issue-871 31 15 , , PUNCT issue-871 31 16 as as SCONJ issue-871 31 17 its its PRON issue-871 31 18 component component NOUN issue-871 31 19 are be AUX issue-871 31 20 the the DET issue-871 31 21 central central ADJ issue-871 31 22 banks bank NOUN issue-871 31 23 of of ADP issue-871 31 24 the the DET issue-871 31 25 european european PROPN issue-871 31 26 union union PROPN issue-871 31 27 . . PUNCT issue-871 32 1 baltic baltic PROPN issue-871 32 2 journal journal PROPN issue-871 32 3 of of ADP issue-871 32 4 economic economic ADJ issue-871 32 5 studies study NOUN issue-871 32 6 157 157 NUM issue-871 32 7 vol vol NOUN issue-871 32 8 . . PROPN issue-871 33 1 6 6 NUM issue-871 33 2 , , PUNCT issue-871 33 3 no no INTJ issue-871 33 4 . . NOUN issue-871 33 5 4 4 NUM issue-871 33 6 , , PUNCT issue-871 33 7 2020 2020 NUM issue-871 33 8 professor professor NOUN issue-871 33 9 mishkin mishkin NOUN issue-871 33 10 ( ( PUNCT issue-871 33 11 mishkin mishkin NOUN issue-871 33 12 , , PUNCT issue-871 33 13 2008 2008 NUM issue-871 33 14 ) ) PUNCT issue-871 33 15 of of ADP issue-871 33 16 columbia columbia PROPN issue-871 33 17 university university PROPN issue-871 33 18 , , PUNCT issue-871 33 19 who who PRON issue-871 33 20 studied study VERB issue-871 33 21 the the DET issue-871 33 22 impact impact NOUN issue-871 33 23 of of ADP issue-871 33 24 monetary monetary ADJ issue-871 33 25 policy policy NOUN issue-871 33 26 on on ADP issue-871 33 27 financial financial ADJ issue-871 33 28 markets market NOUN issue-871 33 29 and and CCONJ issue-871 33 30 financial financial ADJ issue-871 33 31 institutions institution NOUN issue-871 33 32 , , PUNCT issue-871 33 33 made make VERB issue-871 33 34 a a DET issue-871 33 35 significant significant ADJ issue-871 33 36 contribution contribution NOUN issue-871 33 37 to to ADP issue-871 33 38 the the DET issue-871 33 39 development development NOUN issue-871 33 40 of of ADP issue-871 33 41 the the DET issue-871 33 42 theory theory NOUN issue-871 33 43 and and CCONJ issue-871 33 44 practice practice NOUN issue-871 33 45 of of ADP issue-871 33 46 banking banking NOUN issue-871 33 47 systems system NOUN issue-871 33 48 , , PUNCT issue-871 33 49 in in ADP issue-871 33 50 particular particular ADJ issue-871 33 51 to to ADP issue-871 33 52 the the DET issue-871 33 53 study study NOUN issue-871 33 54 of of ADP issue-871 33 55 the the DET issue-871 33 56 banking banking NOUN issue-871 33 57 system system NOUN issue-871 33 58 of of ADP issue-871 33 59 the the DET issue-871 33 60 european european PROPN issue-871 33 61 union union PROPN issue-871 33 62 . . PUNCT issue-871 34 1 we we PRON issue-871 34 2 share share VERB issue-871 34 3 the the DET issue-871 34 4 views view NOUN issue-871 34 5 of of ADP issue-871 34 6 scientists scientist NOUN issue-871 34 7 who who PRON issue-871 34 8 argue argue VERB issue-871 34 9 that that SCONJ issue-871 34 10 the the DET issue-871 34 11 european european ADJ issue-871 34 12 banking banking NOUN issue-871 34 13 markets market NOUN issue-871 34 14 have have AUX issue-871 34 15 become become AUX issue-871 34 16 increasingly increasingly ADV issue-871 34 17 integrated integrate VERB issue-871 34 18 in in ADP issue-871 34 19 recent recent ADJ issue-871 34 20 years year NOUN issue-871 34 21 , , PUNCT issue-871 34 22 but but CCONJ issue-871 34 23 obstacles obstacle NOUN issue-871 34 24 to to ADP issue-871 34 25 full full ADJ issue-871 34 26 integration integration NOUN issue-871 34 27 , , PUNCT issue-871 34 28 especially especially ADV issue-871 34 29 in in ADP issue-871 34 30 retail retail NOUN issue-871 34 31 , , PUNCT issue-871 34 32 still still ADV issue-871 34 33 remain remain VERB issue-871 34 34 . . PUNCT issue-871 35 1 european european ADJ issue-871 35 2 integration integration NOUN issue-871 35 3 can can AUX issue-871 35 4 have have VERB issue-871 35 5 consequences consequence NOUN issue-871 35 6 for for ADP issue-871 35 7 systemic systemic ADJ issue-871 35 8 risk risk NOUN issue-871 35 9 and and CCONJ issue-871 35 10 can can AUX issue-871 35 11 create create VERB issue-871 35 12 various various ADJ issue-871 35 13 challenges challenge NOUN issue-871 35 14 for for ADP issue-871 35 15 the the DET issue-871 35 16 current current ADJ issue-871 35 17 supervisory supervisory ADJ issue-871 35 18 system system NOUN issue-871 35 19 . . PUNCT issue-871 36 1 it it PRON issue-871 36 2 affects affect VERB issue-871 36 3 competition competition NOUN issue-871 36 4 in in ADP issue-871 36 5 banking banking NOUN issue-871 36 6 markets market NOUN issue-871 36 7 , , PUNCT issue-871 36 8 the the DET issue-871 36 9 nature nature NOUN issue-871 36 10 of of ADP issue-871 36 11 long long ADJ issue-871 36 12 - - PUNCT issue-871 36 13 term term NOUN issue-871 36 14 borrower borrower NOUN issue-871 36 15 - - PUNCT issue-871 36 16 lender lender NOUN issue-871 36 17 relations relation NOUN issue-871 36 18 , , PUNCT issue-871 36 19 as as ADV issue-871 36 20 well well ADV issue-871 36 21 as as ADP issue-871 36 22 the the DET issue-871 36 23 links link NOUN issue-871 36 24 between between ADP issue-871 36 25 ownership ownership NOUN issue-871 36 26 structure structure NOUN issue-871 36 27 , , PUNCT issue-871 36 28 technological technological ADJ issue-871 36 29 change change NOUN issue-871 36 30 and and CCONJ issue-871 36 31 bank bank NOUN issue-871 36 32 efficiency efficiency NOUN issue-871 36 33 ( ( PUNCT issue-871 36 34 goddard goddard PROPN issue-871 36 35 , , PUNCT issue-871 36 36 molyneux molyneux PROPN issue-871 36 37 , , PUNCT issue-871 36 38 wilson wilson PROPN issue-871 36 39 & & CCONJ issue-871 36 40 tavakoli tavakoli PROPN issue-871 36 41 , , PUNCT issue-871 36 42 2007 2007 NUM issue-871 36 43 ) ) PUNCT issue-871 36 44 . . PUNCT issue-871 37 1 in in ADP issue-871 37 2 his his PRON issue-871 37 3 work work NOUN issue-871 37 4 , , PUNCT issue-871 37 5 dermine dermine PROPN issue-871 37 6 j. j. PROPN issue-871 37 7 ( ( PUNCT issue-871 37 8 dermine dermine PROPN issue-871 37 9 , , PUNCT issue-871 37 10 2006 2006 NUM issue-871 37 11 ) ) PUNCT issue-871 37 12 confirms confirm VERB issue-871 37 13 the the DET issue-871 37 14 progress progress NOUN issue-871 37 15 of of ADP issue-871 37 16 the the DET issue-871 37 17 european european ADJ issue-871 37 18 banking banking NOUN issue-871 37 19 integration integration NOUN issue-871 37 20 over over ADP issue-871 37 21 the the DET issue-871 37 22 past past ADJ issue-871 37 23 twenty twenty NUM issue-871 37 24 years year NOUN issue-871 37 25 and and CCONJ issue-871 37 26 rates rate VERB issue-871 37 27 the the DET issue-871 37 28 current current ADJ issue-871 37 29 system system NOUN issue-871 37 30 of of ADP issue-871 37 31 banking banking NOUN issue-871 37 32 supervision supervision NOUN issue-871 37 33 and and CCONJ issue-871 37 34 deposit deposit NOUN issue-871 37 35 insurance insurance NOUN issue-871 37 36 , , PUNCT issue-871 37 37 based base VERB issue-871 37 38 on on ADP issue-871 37 39 the the DET issue-871 37 40 control control NOUN issue-871 37 41 of of ADP issue-871 37 42 “ " PUNCT issue-871 37 43 countries country NOUN issue-871 37 44 - - PUNCT issue-871 37 45 countries country NOUN issue-871 37 46 ” " PUNCT issue-871 37 47 . . PUNCT issue-871 38 1 the the DET issue-871 38 2 statement statement NOUN issue-871 38 3 by by ADP issue-871 38 4 altunbaş altunbaş NOUN issue-871 38 5 y. y. PROPN issue-871 38 6 , , PUNCT issue-871 38 7 chakravarty chakravarty PROPN issue-871 38 8 s. s. PROPN issue-871 38 9 ( ( PUNCT issue-871 38 10 altunbaş altunbaş PROPN issue-871 38 11 , , PUNCT issue-871 38 12 chakravarty chakravarty NOUN issue-871 38 13 , , PUNCT issue-871 38 14 1998 1998 NUM issue-871 38 15 ) ) PUNCT issue-871 38 16 is be AUX issue-871 38 17 оf оf ADP issue-871 38 18 particular particular ADJ issue-871 38 19 note note NOUN issue-871 38 20 , , PUNCT issue-871 38 21 it it PRON issue-871 38 22 compares compare VERB issue-871 38 23 the the DET issue-871 38 24 performance performance NOUN issue-871 38 25 of of ADP issue-871 38 26 european european PROPN issue-871 38 27 union union PROPN issue-871 38 28 banks bank NOUN issue-871 38 29 across across ADP issue-871 38 30 national national ADJ issue-871 38 31 borders border NOUN issue-871 38 32 involves involve VERB issue-871 38 33 studying study VERB issue-871 38 34 the the DET issue-871 38 35 differences difference NOUN issue-871 38 36 between between ADP issue-871 38 37 countries country NOUN issue-871 38 38 in in ADP issue-871 38 39 the the DET issue-871 38 40 institutional institutional ADJ issue-871 38 41 structure structure NOUN issue-871 38 42 of of ADP issue-871 38 43 the the DET issue-871 38 44 banking banking NOUN issue-871 38 45 system system NOUN issue-871 38 46 . . PUNCT issue-871 39 1 the the DET issue-871 39 2 works work NOUN issue-871 39 3 of of ADP issue-871 39 4 the the DET issue-871 39 5 above above ADV issue-871 39 6 - - PUNCT issue-871 39 7 mentioned mention VERB issue-871 39 8 scientists scientist NOUN issue-871 39 9 and and CCONJ issue-871 39 10 many many ADJ issue-871 39 11 other other ADJ issue-871 39 12 works work NOUN issue-871 39 13 prompted prompt VERB issue-871 39 14 us we PRON issue-871 39 15 to to PART issue-871 39 16 study study VERB issue-871 39 17 the the DET issue-871 39 18 dynamics dynamic NOUN issue-871 39 19 of of ADP issue-871 39 20 the the DET issue-871 39 21 main main ADJ issue-871 39 22 indicators indicator NOUN issue-871 39 23 of of ADP issue-871 39 24 the the DET issue-871 39 25 european european ADJ issue-871 39 26 banking banking NOUN issue-871 39 27 system system NOUN issue-871 39 28 in in ADP issue-871 39 29 order order NOUN issue-871 39 30 to to PART issue-871 39 31 further further VERB issue-871 39 32 construction construction NOUN issue-871 39 33 of of ADP issue-871 39 34 a a DET issue-871 39 35 model model NOUN issue-871 39 36 of of ADP issue-871 39 37 its its PRON issue-871 39 38 stability stability NOUN issue-871 39 39 . . PUNCT issue-871 40 1 2 2 X issue-871 40 2 . . X issue-871 40 3 quantity quantity NOUN issue-871 40 4 of of ADP issue-871 40 5 banks bank NOUN issue-871 40 6 , , PUNCT issue-871 40 7 assets asset NOUN issue-871 40 8 and and CCONJ issue-871 40 9 liabilities liability NOUN issue-871 40 10 dynamics dynamic VERB issue-871 40 11 the the DET issue-871 40 12 downward downward ADJ issue-871 40 13 trend trend NOUN issue-871 40 14 in in ADP issue-871 40 15 the the DET issue-871 40 16 number number NOUN issue-871 40 17 of of ADP issue-871 40 18 credit credit NOUN issue-871 40 19 institutions institution NOUN issue-871 40 20 ( ( PUNCT issue-871 40 21 cis cis NOUN issue-871 40 22 ) ) PUNCT issue-871 40 23 of of ADP issue-871 40 24 the the DET issue-871 40 25 eu-28 eu-28 ADJ issue-871 40 26 , , PUNCT issue-871 40 27 which which PRON issue-871 40 28 began begin VERB issue-871 40 29 in in ADP issue-871 40 30 2009 2009 NUM issue-871 40 31 , , PUNCT issue-871 40 32 continued continue VERB issue-871 40 33 in in ADP issue-871 40 34 2018 2018 NUM issue-871 40 35 , , PUNCT issue-871 40 36 although although SCONJ issue-871 40 37 at at ADP issue-871 40 38 a a DET issue-871 40 39 slower slow ADJ issue-871 40 40 pace pace NOUN issue-871 40 41 , , PUNCT issue-871 40 42 their their PRON issue-871 40 43 number number NOUN issue-871 40 44 decreased decrease VERB issue-871 40 45 to to ADP issue-871 40 46 6,088 6,088 NUM issue-871 40 47 ( ( PUNCT issue-871 40 48 -2.6 -2.6 PROPN issue-871 40 49 % % NOUN issue-871 40 50 ) ) PUNCT issue-871 40 51 compared compare VERB issue-871 40 52 to to ADP issue-871 40 53 2017 2017 NUM issue-871 40 54 . . PUNCT issue-871 41 1 one one NUM issue-871 41 2 in in ADP issue-871 41 3 four four NUM issue-871 41 4 cis cis NOUN issue-871 41 5 ceased cease VERB issue-871 41 6 to to PART issue-871 41 7 exist exist VERB issue-871 41 8 after after ADP issue-871 41 9 the the DET issue-871 41 10 20082009 20082009 NUM issue-871 41 11 financial financial ADJ issue-871 41 12 crisis crisis NOUN issue-871 41 13 . . PUNCT issue-871 42 1 2019 2019 NUM issue-871 42 2 was be AUX issue-871 42 3 no no DET issue-871 42 4 exception exception NOUN issue-871 42 5 : : PUNCT issue-871 42 6 the the DET issue-871 42 7 number number NOUN issue-871 42 8 of of ADP issue-871 42 9 cis cis NOUN issue-871 42 10 in in ADP issue-871 42 11 the the DET issue-871 42 12 eu eu PROPN issue-871 42 13 decreased decrease VERB issue-871 42 14 by by ADP issue-871 42 15 1.8 1.8 NUM issue-871 42 16 % % NOUN issue-871 42 17 to to ADP issue-871 42 18 5,982 5,982 NUM issue-871 42 19 , , PUNCT issue-871 42 20 of of ADP issue-871 42 21 which which PRON issue-871 42 22 4,472 4,472 NUM issue-871 42 23 were be AUX issue-871 42 24 cis cis NOUN issue-871 42 25 in in ADP issue-871 42 26 the the DET issue-871 42 27 eurozone eurozone NOUN issue-871 42 28 . . PUNCT issue-871 43 1 rationalization rationalization NOUN issue-871 43 2 in in ADP issue-871 43 3 the the DET issue-871 43 4 eu eu PROPN issue-871 43 5 banking banking NOUN issue-871 43 6 sector sector NOUN issue-871 43 7 has have AUX issue-871 43 8 also also ADV issue-871 43 9 affected affect VERB issue-871 43 10 banking banking NOUN issue-871 43 11 branches branch NOUN issue-871 43 12 . . PUNCT issue-871 44 1 in in ADP issue-871 44 2 2019 2019 NUM issue-871 44 3 , , PUNCT issue-871 44 4 their their PRON issue-871 44 5 number number NOUN issue-871 44 6 was be AUX issue-871 44 7 163,265 163,265 NUM issue-871 44 8 units unit NOUN issue-871 44 9 , , PUNCT issue-871 44 10 down down ADV issue-871 44 11 6 6 NUM issue-871 44 12 % % NOUN issue-871 44 13 compared compare VERB issue-871 44 14 to to ADP issue-871 44 15 2018 2018 NUM issue-871 44 16 . . PUNCT issue-871 45 1 it it PRON issue-871 45 2 should should AUX issue-871 45 3 be be AUX issue-871 45 4 noted note VERB issue-871 45 5 that that SCONJ issue-871 45 6 before before ADP issue-871 45 7 the the DET issue-871 45 8 financial financial ADJ issue-871 45 9 crisis crisis NOUN issue-871 45 10 of of ADP issue-871 45 11 2008 2008 NUM issue-871 45 12 - - SYM issue-871 45 13 2009 2009 NUM issue-871 45 14 , , PUNCT issue-871 45 15 there there PRON issue-871 45 16 was be VERB issue-871 45 17 a a DET issue-871 45 18 positive positive ADJ issue-871 45 19 dynamics dynamic NOUN issue-871 45 20 of of ADP issue-871 45 21 the the DET issue-871 45 22 number number NOUN issue-871 45 23 of of ADP issue-871 45 24 branches branch NOUN issue-871 45 25 , , PUNCT issue-871 45 26 and and CCONJ issue-871 45 27 a a DET issue-871 45 28 negative negative ADJ issue-871 45 29 one one NOUN issue-871 45 30 after after ADP issue-871 45 31 it it PRON issue-871 45 32 ( ( PUNCT issue-871 45 33 figure figure NOUN issue-871 45 34 2 2 NUM issue-871 45 35 ) ) PUNCT issue-871 45 36 . . PUNCT issue-871 46 1 the the DET issue-871 46 2 downward downward ADJ issue-871 46 3 trend trend NOUN issue-871 46 4 in in ADP issue-871 46 5 the the DET issue-871 46 6 number number NOUN issue-871 46 7 of of ADP issue-871 46 8 branches branch NOUN issue-871 46 9 continues continue VERB issue-871 46 10 to to PART issue-871 46 11 reflect reflect VERB issue-871 46 12 the the DET issue-871 46 13 increasing increase VERB issue-871 46 14 use use NOUN issue-871 46 15 of of ADP issue-871 46 16 internet internet NOUN issue-871 46 17 banking banking NOUN issue-871 46 18 by by ADP issue-871 46 19 consumers consumer NOUN issue-871 46 20 , , PUNCT issue-871 46 21 as as ADP issue-871 46 22 more more ADJ issue-871 46 23 than than ADP issue-871 46 24 half half NOUN issue-871 46 25 of of ADP issue-871 46 26 the the DET issue-871 46 27 eu eu PROPN issue-871 46 28 users user NOUN issue-871 46 29 – – PUNCT issue-871 46 30 54 54 NUM issue-871 46 31 % % NOUN issue-871 46 32 , , PUNCT issue-871 46 33 used use VERB issue-871 46 34 it it PRON issue-871 46 35 in in ADP issue-871 46 36 2018 2018 NUM issue-871 46 37 , , PUNCT issue-871 46 38 compared compare VERB issue-871 46 39 to to ADP issue-871 46 40 51 51 NUM issue-871 46 41 % % NOUN issue-871 46 42 in in ADP issue-871 46 43 2017 2017 NUM issue-871 46 44 and and CCONJ issue-871 46 45 25 25 NUM issue-871 46 46 % % NOUN issue-871 46 47 in in ADP issue-871 46 48 2007 2007 NUM issue-871 46 49 . . PUNCT issue-871 47 1 the the DET issue-871 47 2 countries country NOUN issue-871 47 3 that that PRON issue-871 47 4 experienced experience VERB issue-871 47 5 the the DET issue-871 47 6 largest large ADJ issue-871 47 7 decrease decrease NOUN issue-871 47 8 in in ADP issue-871 47 9 absolute absolute ADJ issue-871 47 10 terms term NOUN issue-871 47 11 in in ADP issue-871 47 12 2018 2018 NUM issue-871 47 13 were be AUX issue-871 47 14 germany germany PROPN issue-871 47 15 ( ( PUNCT issue-871 47 16 – – PUNCT issue-871 47 17 2,185 2,185 NUM issue-871 47 18 units unit NOUN issue-871 47 19 ) ) PUNCT issue-871 47 20 , , PUNCT issue-871 47 21 italy italy PROPN issue-871 47 22 ( ( PUNCT issue-871 47 23 – – PUNCT issue-871 47 24 1,920 1,920 NUM issue-871 47 25 ) ) PUNCT issue-871 47 26 and and CCONJ issue-871 47 27 spain spain PROPN issue-871 47 28 ( ( PUNCT issue-871 47 29 – – PUNCT issue-871 47 30 1,314 1,314 NUM issue-871 47 31 ) ) PUNCT issue-871 47 32 . . PUNCT issue-871 48 1 only only ADV issue-871 48 2 bulgaria bulgaria PROPN issue-871 48 3 opened open VERB issue-871 48 4 new new ADJ issue-871 48 5 branches branch NOUN issue-871 48 6 ( ( PUNCT issue-871 48 7 +82 +82 PROPN issue-871 48 8 units unit NOUN issue-871 48 9 ) ) PUNCT issue-871 48 10 ( ( PUNCT issue-871 48 11 european european PROPN issue-871 48 12 banking banking PROPN issue-871 48 13 federation federation PROPN issue-871 48 14 , , PUNCT issue-871 48 15 2019 2019 NUM issue-871 48 16 c c NOUN issue-871 48 17 , , PUNCT issue-871 48 18 p. p. NOUN issue-871 48 19 11 11 NUM issue-871 48 20 ) ) PUNCT issue-871 48 21 . . PUNCT issue-871 49 1 the the DET issue-871 49 2 assets asset NOUN issue-871 49 3 volumes volume NOUN issue-871 49 4 of of ADP issue-871 49 5 eu eu PROPN issue-871 49 6 banks bank NOUN issue-871 49 7 increased increase VERB issue-871 49 8 in in ADP issue-871 49 9 2018 2018 NUM issue-871 49 10 , , PUNCT issue-871 49 11 amounting amount VERB issue-871 49 12 to to ADP issue-871 49 13 43.35 43.35 NUM issue-871 49 14 trillion trillion NUM issue-871 49 15 eur eur NOUN issue-871 49 16 , , PUNCT issue-871 49 17 30.9 30.9 NUM issue-871 49 18 billion billion NUM issue-871 49 19 eur eur NOUN issue-871 49 20 of of ADP issue-871 49 21 which which PRON issue-871 49 22 are be AUX issue-871 49 23 in in ADP issue-871 49 24 the the DET issue-871 49 25 eurozone eurozone NOUN issue-871 49 26 and and CCONJ issue-871 49 27 12.5 12.5 NUM issue-871 49 28 billion billion NUM issue-871 49 29 eur eur NOUN issue-871 49 30 in in ADP issue-871 49 31 the the DET issue-871 49 32 non non NOUN issue-871 49 33 - - NOUN issue-871 49 34 eurozone eurozone NOUN issue-871 49 35 . . PUNCT issue-871 50 1 the the DET issue-871 50 2 expansion expansion NOUN issue-871 50 3 was be AUX issue-871 50 4 mainly mainly ADV issue-871 50 5 due due ADP issue-871 50 6 to to ADP issue-871 50 7 the the DET issue-871 50 8 growth growth NOUN issue-871 50 9 of of ADP issue-871 50 10 total total ADJ issue-871 50 11 assets asset NOUN issue-871 50 12 in in ADP issue-871 50 13 the the DET issue-871 50 14 eurozone eurozone NOUN issue-871 50 15 countries country NOUN issue-871 50 16 ( ( PUNCT issue-871 50 17 1.6 1.6 NUM issue-871 50 18 % % NOUN issue-871 50 19 ) ) PUNCT issue-871 51 1 ( ( PUNCT issue-871 51 2 european european PROPN issue-871 51 3 banking banking PROPN issue-871 51 4 federation federation PROPN issue-871 51 5 , , PUNCT issue-871 51 6 2019 2019 NUM issue-871 51 7 d d NOUN issue-871 51 8 ) ) PUNCT issue-871 51 9 . . PUNCT issue-871 52 1 figure figure NOUN issue-871 52 2 1 1 NUM issue-871 52 3 . . PUNCT issue-871 52 4 number number NOUN issue-871 52 5 of of ADP issue-871 52 6 eu eu PROPN issue-871 52 7 credit credit NOUN issue-871 52 8 institutions institution NOUN issue-871 52 9 , , PUNCT issue-871 52 10 2000 2000 NUM issue-871 52 11 - - SYM issue-871 52 12 03.2020 03.2020 NUM issue-871 52 13 source source NOUN issue-871 52 14 : : PUNCT issue-871 52 15 compiled compile VERB issue-871 52 16 by by ADP issue-871 52 17 authors author NOUN issue-871 52 18 based base VERB issue-871 52 19 on on ADP issue-871 52 20 the the DET issue-871 52 21 european european PROPN issue-871 52 22 central central PROPN issue-871 52 23 bank bank PROPN issue-871 52 24 , , PUNCT issue-871 52 25 2000 2000 NUM issue-871 52 26 - - SYM issue-871 52 27 03.2020 03.2020 NUM issue-871 53 1 ( ( PUNCT issue-871 53 2 european european PROPN issue-871 53 3 central central PROPN issue-871 53 4 bank bank PROPN issue-871 53 5 , , PUNCT issue-871 53 6 2020 2020 NUM issue-871 53 7 с с NOUN issue-871 53 8 ) ) PUNCT issue-871 53 9 baltic baltic PROPN issue-871 53 10 journal journal PROPN issue-871 53 11 of of ADP issue-871 53 12 economic economic ADJ issue-871 53 13 studies study NOUN issue-871 53 14 158 158 NUM issue-871 53 15 vol vol NOUN issue-871 53 16 . . PROPN issue-871 54 1 6 6 NUM issue-871 54 2 , , PUNCT issue-871 54 3 no no INTJ issue-871 54 4 . . NOUN issue-871 54 5 4 4 NUM issue-871 54 6 , , PUNCT issue-871 54 7 2020 2020 NUM issue-871 54 8 figure figure VERB issue-871 54 9 2 2 NUM issue-871 54 10 . . PUNCT issue-871 55 1 dynamics dynamic NOUN issue-871 55 2 of of ADP issue-871 55 3 the the DET issue-871 55 4 number number NOUN issue-871 55 5 of of ADP issue-871 55 6 branches branch NOUN issue-871 55 7 of of ADP issue-871 55 8 the the DET issue-871 55 9 european european ADJ issue-871 55 10 banking banking NOUN issue-871 55 11 sector sector NOUN issue-871 55 12 , , PUNCT issue-871 55 13 2001 2001 NUM issue-871 55 14 - - SYM issue-871 55 15 2019 2019 NUM issue-871 55 16 source source NOUN issue-871 55 17 : : PUNCT issue-871 55 18 compiled compile VERB issue-871 55 19 by by ADP issue-871 55 20 authors author NOUN issue-871 55 21 based base VERB issue-871 55 22 on on ADP issue-871 55 23 the the DET issue-871 55 24 european european PROPN issue-871 55 25 central central PROPN issue-871 55 26 bank bank PROPN issue-871 55 27 , , PUNCT issue-871 55 28 2000 2000 NUM issue-871 55 29 - - SYM issue-871 55 30 03.2020 03.2020 NUM issue-871 55 31 ( ( PUNCT issue-871 55 32 european european PROPN issue-871 55 33 central central PROPN issue-871 55 34 bank bank PROPN issue-871 55 35 , , PUNCT issue-871 55 36 2020 2020 NUM issue-871 55 37 m m NOUN issue-871 55 38 ) ) PUNCT issue-871 55 39 figure figure NOUN issue-871 55 40 3 3 NUM issue-871 55 41 . . PUNCT issue-871 56 1 assets asset NOUN issue-871 56 2 of of ADP issue-871 56 3 the the DET issue-871 56 4 banking banking NOUN issue-871 56 5 sector sector NOUN issue-871 56 6 , , PUNCT issue-871 56 7 2000 2000 NUM issue-871 56 8 - - SYM issue-871 56 9 03.2020 03.2020 NUM issue-871 56 10 note note NOUN issue-871 56 11 : : PUNCT issue-871 56 12 the the DET issue-871 56 13 european european PROPN issue-871 56 14 banking banking PROPN issue-871 56 15 association association PROPN issue-871 56 16 ( ( PUNCT issue-871 56 17 eba eba NOUN issue-871 56 18 ) ) PUNCT issue-871 56 19 uses use VERB issue-871 56 20 data datum NOUN issue-871 56 21 on on ADP issue-871 56 22 credit credit NOUN issue-871 56 23 institutions institution NOUN issue-871 56 24 ( ( PUNCT issue-871 56 25 cis cis NOUN issue-871 56 26 ) ) PUNCT issue-871 56 27 and and CCONJ issue-871 56 28 monetary monetary ADJ issue-871 56 29 financial financial ADJ issue-871 56 30 institutions institution NOUN issue-871 56 31 ( ( PUNCT issue-871 56 32 mfis mfis PROPN issue-871 56 33 ) ) PUNCT issue-871 56 34 in in ADP issue-871 56 35 its its PRON issue-871 56 36 reports report NOUN issue-871 56 37 , , PUNCT issue-871 56 38 however however ADV issue-871 56 39 , , PUNCT issue-871 56 40 the the DET issue-871 56 41 ecb ecb NOUN issue-871 56 42 does do AUX issue-871 56 43 not not PART issue-871 56 44 have have VERB issue-871 56 45 “ " PUNCT issue-871 56 46 pure pure ADJ issue-871 56 47 ” " PUNCT issue-871 56 48 data datum NOUN issue-871 56 49 on on ADP issue-871 56 50 banks bank NOUN issue-871 56 51 . . PUNCT issue-871 57 1 as as SCONJ issue-871 57 2 banks bank NOUN issue-871 57 3 account account VERB issue-871 57 4 for for ADP issue-871 57 5 75 75 NUM issue-871 57 6 - - SYM issue-871 57 7 80 80 NUM issue-871 57 8 % % NOUN issue-871 57 9 of of ADP issue-871 57 10 the the DET issue-871 57 11 entire entire ADJ issue-871 57 12 financial financial ADJ issue-871 57 13 system system NOUN issue-871 57 14 in in ADP issue-871 57 15 the the DET issue-871 57 16 eu eu PROPN issue-871 57 17 , , PUNCT issue-871 57 18 the the DET issue-871 57 19 eba eba NOUN issue-871 57 20 considers consider VERB issue-871 57 21 it it PRON issue-871 57 22 appropriate appropriate ADJ issue-871 57 23 to to PART issue-871 57 24 analyze analyze VERB issue-871 57 25 the the DET issue-871 57 26 banking banking NOUN issue-871 57 27 sector sector NOUN issue-871 57 28 on on ADP issue-871 57 29 the the DET issue-871 57 30 basis basis NOUN issue-871 57 31 of of ADP issue-871 57 32 ci ci PROPN issue-871 57 33 and and CCONJ issue-871 57 34 mfi mfi PROPN issue-871 57 35 data data PROPN issue-871 57 36 . . PUNCT issue-871 58 1 credit credit NOUN issue-871 58 2 institution institution NOUN issue-871 58 3 ( ( PUNCT issue-871 58 4 ci ci NOUN issue-871 58 5 ) ) PUNCT issue-871 58 6 – – PUNCT issue-871 58 7 any any DET issue-871 58 8 institution institution NOUN issue-871 58 9 that that PRON issue-871 58 10 is be AUX issue-871 58 11 ( ( PUNCT issue-871 58 12 i i NOUN issue-871 58 13 ) ) PUNCT issue-871 58 14 a a DET issue-871 58 15 business business NOUN issue-871 58 16 entity entity NOUN issue-871 58 17 that that PRON issue-871 58 18 has have VERB issue-871 58 19 deposits deposit NOUN issue-871 58 20 or or CCONJ issue-871 58 21 funds fund NOUN issue-871 58 22 from from ADP issue-871 58 23 individuals individual NOUN issue-871 58 24 ( ( PUNCT issue-871 58 25 on on ADP issue-871 58 26 terms term NOUN issue-871 58 27 of of ADP issue-871 58 28 repayment repayment NOUN issue-871 58 29 ) ) PUNCT issue-871 59 1 and and CCONJ issue-871 59 2 provides provide VERB issue-871 59 3 loans loan NOUN issue-871 59 4 , , PUNCT issue-871 59 5 or or CCONJ issue-871 59 6 ( ( PUNCT issue-871 59 7 ii ii NOUN issue-871 59 8 ) ) PUNCT issue-871 59 9 an an DET issue-871 59 10 enterprise enterprise NOUN issue-871 59 11 or or CCONJ issue-871 59 12 any any DET issue-871 59 13 other other ADJ issue-871 59 14 legal legal ADJ issue-871 59 15 entity entity NOUN issue-871 59 16 other other ADJ issue-871 59 17 than than ADP issue-871 59 18 those those PRON issue-871 59 19 who who PRON issue-871 59 20 comply comply VERB issue-871 59 21 with with ADP issue-871 59 22 subparagraph subparagraph NOUN issue-871 59 23 ( ( PUNCT issue-871 59 24 i i NOUN issue-871 59 25 ) ) PUNCT issue-871 59 26 who who PRON issue-871 59 27 issue issue VERB issue-871 59 28 means mean NOUN issue-871 59 29 of of ADP issue-871 59 30 payment payment NOUN issue-871 59 31 in in ADP issue-871 59 32 the the DET issue-871 59 33 form form NOUN issue-871 59 34 of of ADP issue-871 59 35 electronic electronic ADJ issue-871 59 36 money money NOUN issue-871 59 37 . . PUNCT issue-871 60 1 monetary monetary ADJ issue-871 60 2 financial financial ADJ issue-871 60 3 institutions institution NOUN issue-871 60 4 ( ( PUNCT issue-871 60 5 mfis mfis PROPN issue-871 60 6 ) ) PUNCT issue-871 60 7 – – PUNCT issue-871 60 8 financial financial ADJ issue-871 60 9 institutions institution NOUN issue-871 60 10 that that PRON issue-871 60 11 together together ADV issue-871 60 12 form form VERB issue-871 60 13 the the DET issue-871 60 14 sector sector NOUN issue-871 60 15 sector sector NOUN issue-871 60 16 which which PRON issue-871 60 17 issues issue VERB issue-871 60 18 money money NOUN issue-871 60 19 to to ADP issue-871 60 20 the the DET issue-871 60 21 eurozone eurozone NOUN issue-871 60 22 . . PUNCT issue-871 61 1 these these PRON issue-871 61 2 include include VERB issue-871 61 3 : : PUNCT issue-871 61 4 the the DET issue-871 61 5 eurosystem eurosystem NOUN issue-871 61 6 , , PUNCT issue-871 61 7 resident resident ADJ issue-871 61 8 credit credit NOUN issue-871 61 9 institutions institution NOUN issue-871 61 10 ( ( PUNCT issue-871 61 11 as as SCONJ issue-871 61 12 defined define VERB issue-871 61 13 by by ADP issue-871 61 14 the the DET issue-871 61 15 eu eu PROPN issue-871 61 16 legislation legislation NOUN issue-871 61 17 ) ) PUNCT issue-871 61 18 and and CCONJ issue-871 61 19 all all DET issue-871 61 20 other other ADJ issue-871 61 21 resident resident ADJ issue-871 61 22 financial financial ADJ issue-871 61 23 institutions institution NOUN issue-871 61 24 whose whose DET issue-871 61 25 activities activity NOUN issue-871 61 26 are be AUX issue-871 61 27 to to PART issue-871 61 28 attract attract VERB issue-871 61 29 deposits deposit NOUN issue-871 61 30 and and CCONJ issue-871 61 31 / / SYM issue-871 61 32 or or CCONJ issue-871 61 33 closed closed ADJ issue-871 61 34 substitutes substitute NOUN issue-871 61 35 for for ADP issue-871 61 36 deposits deposit NOUN issue-871 61 37 from from ADP issue-871 61 38 entities entity NOUN issue-871 61 39 other other ADJ issue-871 61 40 than than ADP issue-871 61 41 ifis ifis PROPN issue-871 61 42 , , PUNCT issue-871 61 43 lending lending NOUN issue-871 61 44 and and CCONJ issue-871 61 45 / / SYM issue-871 61 46 or or CCONJ issue-871 61 47 investment investment NOUN issue-871 61 48 in in ADP issue-871 61 49 securities security NOUN issue-871 61 50 ( ( PUNCT issue-871 61 51 the the DET issue-871 61 52 latter latter ADJ issue-871 61 53 group group NOUN issue-871 61 54 consists consist VERB issue-871 61 55 mainly mainly ADV issue-871 61 56 of of ADP issue-871 61 57 money money NOUN issue-871 61 58 market market NOUN issue-871 61 59 funds fund NOUN issue-871 61 60 ) ) PUNCT issue-871 61 61 . . PUNCT issue-871 62 1 source source NOUN issue-871 62 2 : : PUNCT issue-871 62 3 compiled compile VERB issue-871 62 4 by by ADP issue-871 62 5 authors author NOUN issue-871 62 6 based base VERB issue-871 62 7 on on ADP issue-871 62 8 the the DET issue-871 62 9 european european PROPN issue-871 62 10 central central PROPN issue-871 62 11 bank bank PROPN issue-871 62 12 , , PUNCT issue-871 62 13 2000 2000 NUM issue-871 62 14 - - SYM issue-871 62 15 03.2020 03.2020 NUM issue-871 62 16 ( ( PUNCT issue-871 62 17 european european PROPN issue-871 62 18 central central PROPN issue-871 62 19 bank bank PROPN issue-871 62 20 2020 2020 NUM issue-871 62 21 g g NOUN issue-871 62 22 , , PUNCT issue-871 62 23 2020 2020 NUM issue-871 62 24 j j PROPN issue-871 62 25 , , PUNCT issue-871 62 26 2020 2020 NUM issue-871 62 27 e e NOUN issue-871 62 28 ) ) PUNCT issue-871 62 29 baltic baltic ADJ issue-871 62 30 journal journal NOUN issue-871 62 31 of of ADP issue-871 62 32 economic economic ADJ issue-871 62 33 studies study NOUN issue-871 62 34 159 159 NUM issue-871 62 35 vol vol NOUN issue-871 62 36 . . PROPN issue-871 63 1 6 6 NUM issue-871 63 2 , , PUNCT issue-871 63 3 no no INTJ issue-871 63 4 . . NOUN issue-871 63 5 4 4 NUM issue-871 63 6 , , PUNCT issue-871 63 7 2020 2020 NUM issue-871 63 8 thus thus ADV issue-871 63 9 , , PUNCT issue-871 63 10 according accord VERB issue-871 63 11 to to PART issue-871 63 12 figure figure VERB issue-871 63 13 3 3 NUM issue-871 63 14 , , PUNCT issue-871 63 15 2019 2019 NUM issue-871 63 16 is be AUX issue-871 63 17 no no DET issue-871 63 18 exception exception NOUN issue-871 63 19 . . PUNCT issue-871 64 1 the the DET issue-871 64 2 total total ADJ issue-871 64 3 assets asset NOUN issue-871 64 4 of of ADP issue-871 64 5 mfis mfis PROPN issue-871 64 6 amounted amount VERB issue-871 64 7 to to ADP issue-871 64 8 45.52 45.52 NUM issue-871 64 9 trillion trillion NUM issue-871 64 10 eur eur ADJ issue-871 64 11 , , PUNCT issue-871 64 12 32.4 32.4 NUM issue-871 64 13 trillion trillion NUM issue-871 64 14 eur eur NOUN issue-871 64 15 of of ADP issue-871 64 16 which which PRON issue-871 64 17 account account VERB issue-871 64 18 for for ADP issue-871 64 19 mfis mfis NOUN issue-871 64 20 in in ADP issue-871 64 21 the the DET issue-871 64 22 euro euro NOUN issue-871 64 23 area area NOUN issue-871 64 24 and and CCONJ issue-871 64 25 13.1 13.1 NUM issue-871 64 26 trillion trillion NUM issue-871 64 27 eur eur NOUN issue-871 64 28 to to ADP issue-871 64 29 the the DET issue-871 64 30 mfis mfis NOUN issue-871 64 31 of of ADP issue-871 64 32 other other ADJ issue-871 64 33 eu eu PROPN issue-871 64 34 member member NOUN issue-871 64 35 states state NOUN issue-871 64 36 . . PUNCT issue-871 65 1 in in ADP issue-871 65 2 general general ADJ issue-871 65 3 , , PUNCT issue-871 65 4 this this DET issue-871 65 5 indicator indicator NOUN issue-871 65 6 continues continue VERB issue-871 65 7 to to PART issue-871 65 8 show show VERB issue-871 65 9 positive positive ADJ issue-871 65 10 dynamics dynamic NOUN issue-871 65 11 : : PUNCT issue-871 65 12 the the DET issue-871 65 13 volume volume NOUN issue-871 65 14 of of ADP issue-871 65 15 total total ADJ issue-871 65 16 assets asset NOUN issue-871 65 17 increased increase VERB issue-871 65 18 by by ADP issue-871 65 19 5 5 NUM issue-871 65 20 % % NOUN issue-871 65 21 . . PUNCT issue-871 66 1 in in ADP issue-871 66 2 the the DET issue-871 66 3 geographical geographical ADJ issue-871 66 4 distribution distribution NOUN issue-871 66 5 in in ADP issue-871 66 6 2018 2018 NUM issue-871 66 7 , , PUNCT issue-871 66 8 the the DET issue-871 66 9 highest high ADJ issue-871 66 10 increase increase NOUN issue-871 66 11 was be AUX issue-871 66 12 shown show VERB issue-871 66 13 by by ADP issue-871 66 14 finland finland PROPN issue-871 66 15 – – PUNCT issue-871 66 16 176 176 NUM issue-871 66 17 billion billion NUM issue-871 66 18 eur eur NOUN issue-871 66 19 ( ( PUNCT issue-871 66 20 39.1 39.1 NUM issue-871 66 21 % % NOUN issue-871 66 22 ) ) PUNCT issue-871 66 23 . . PUNCT issue-871 67 1 among among ADP issue-871 67 2 the the DET issue-871 67 3 four four NUM issue-871 67 4 largest large ADJ issue-871 67 5 european european ADJ issue-871 67 6 countries country NOUN issue-871 67 7 , , PUNCT issue-871 67 8 only only ADV issue-871 67 9 france france PROPN issue-871 67 10 recorded record VERB issue-871 67 11 a a DET issue-871 67 12 significant significant ADJ issue-871 67 13 positive positive ADJ issue-871 67 14 result result NOUN issue-871 67 15 in in ADP issue-871 67 16 terms term NOUN issue-871 67 17 of of ADP issue-871 67 18 assets asset NOUN issue-871 67 19 of of ADP issue-871 67 20 the the DET issue-871 67 21 banking banking NOUN issue-871 67 22 sector sector NOUN issue-871 67 23 , , PUNCT issue-871 67 24 which which PRON issue-871 67 25 increased increase VERB issue-871 67 26 by by ADP issue-871 67 27 4.2 4.2 NUM issue-871 67 28 % % NOUN issue-871 67 29 , , PUNCT issue-871 67 30 italy italy PROPN issue-871 67 31 and and CCONJ issue-871 67 32 spain spain PROPN issue-871 67 33 – – PUNCT issue-871 67 34 by by ADP issue-871 67 35 1.3 1.3 NUM issue-871 67 36 % % NOUN issue-871 67 37 and and CCONJ issue-871 67 38 2.9 2.9 NUM issue-871 67 39 % % NOUN issue-871 67 40 , , PUNCT issue-871 67 41 respectively respectively ADV issue-871 67 42 . . PUNCT issue-871 68 1 the the DET issue-871 68 2 countries country NOUN issue-871 68 3 with with ADP issue-871 68 4 the the DET issue-871 68 5 most most ADV issue-871 68 6 significant significant ADJ issue-871 68 7 decrease decrease NOUN issue-871 68 8 in in ADP issue-871 68 9 assets asset NOUN issue-871 68 10 were be AUX issue-871 68 11 cyprus cyprus PROPN issue-871 68 12 ( ( PUNCT issue-871 68 13 -13.1 -13.1 PROPN issue-871 68 14 % % NOUN issue-871 68 15 ) ) PUNCT issue-871 68 16 and and CCONJ issue-871 68 17 latvia latvia PROPN issue-871 68 18 ( ( PUNCT issue-871 68 19 -19.5 -19.5 NUM issue-871 68 20 % % NOUN issue-871 68 21 ) ) PUNCT issue-871 68 22 ( ( PUNCT issue-871 68 23 european european PROPN issue-871 68 24 banking banking PROPN issue-871 68 25 federation federation PROPN issue-871 68 26 , , PUNCT issue-871 68 27 2019 2019 NUM issue-871 68 28 d d NOUN issue-871 68 29 ) ) PUNCT issue-871 68 30 . . PUNCT issue-871 69 1 in in ADP issue-871 69 2 2019 2019 NUM issue-871 69 3 , , PUNCT issue-871 69 4 among among ADP issue-871 69 5 the the DET issue-871 69 6 eurozone eurozone NOUN issue-871 69 7 member member NOUN issue-871 69 8 states state NOUN issue-871 69 9 , , PUNCT issue-871 69 10 the the DET issue-871 69 11 largest large ADJ issue-871 69 12 share share NOUN issue-871 69 13 in in ADP issue-871 69 14 the the DET issue-871 69 15 total total ADJ issue-871 69 16 assets asset NOUN issue-871 69 17 of of ADP issue-871 69 18 the the DET issue-871 69 19 banking banking NOUN issue-871 69 20 sector sector NOUN issue-871 69 21 was be AUX issue-871 69 22 : : PUNCT issue-871 69 23 france france PROPN issue-871 69 24 – – PUNCT issue-871 69 25 29 29 NUM issue-871 69 26 % % NOUN issue-871 69 27 ( ( PUNCT issue-871 69 28 9.32 9.32 NUM issue-871 69 29 trillion trillion NUM issue-871 69 30 eur eur NOUN issue-871 69 31 ) ) PUNCT issue-871 69 32 , , PUNCT issue-871 69 33 germany germany PROPN issue-871 69 34 – – PUNCT issue-871 69 35 26 26 NUM issue-871 69 36 % % NOUN issue-871 69 37 ( ( PUNCT issue-871 69 38 8.31 8.31 NUM issue-871 69 39 trillion trillion NUM issue-871 69 40 eur eur NOUN issue-871 69 41 ) ) PUNCT issue-871 69 42 , , PUNCT issue-871 69 43 italy italy PROPN issue-871 69 44 – – PUNCT issue-871 69 45 11 11 NUM issue-871 69 46 % % NOUN issue-871 69 47 ( ( PUNCT issue-871 69 48 3.72 3.72 NUM issue-871 69 49 trillion trillion NUM issue-871 69 50 eur eur NOUN issue-871 69 51 ) ) PUNCT issue-871 69 52 and and CCONJ issue-871 69 53 spain spain PROPN issue-871 69 54 – – PUNCT issue-871 69 55 8 8 NUM issue-871 69 56 % % NOUN issue-871 69 57 ( ( PUNCT issue-871 69 58 2.68 2.68 NUM issue-871 69 59 trillion trillion NUM issue-871 69 60 eur eur NOUN issue-871 69 61 ) ) PUNCT issue-871 69 62 . . PUNCT issue-871 70 1 all all DET issue-871 70 2 the the DET issue-871 70 3 abovementioned abovementione VERB issue-871 70 4 countries country NOUN issue-871 70 5 in in ADP issue-871 70 6 2019 2019 NUM issue-871 70 7 showed show VERB issue-871 70 8 a a DET issue-871 70 9 positive positive ADJ issue-871 70 10 trend trend NOUN issue-871 70 11 , , PUNCT issue-871 70 12 the the DET issue-871 70 13 largest large ADJ issue-871 70 14 increase increase NOUN issue-871 70 15 was be AUX issue-871 70 16 in in ADP issue-871 70 17 germany germany PROPN issue-871 70 18 – – PUNCT issue-871 70 19 7 7 NUM issue-871 70 20 % % NOUN issue-871 70 21 . . PUNCT issue-871 71 1 among among ADP issue-871 71 2 the the DET issue-871 71 3 eurozone eurozone NOUN issue-871 71 4 countries country NOUN issue-871 71 5 , , PUNCT issue-871 71 6 the the DET issue-871 71 7 largest large ADJ issue-871 71 8 growth growth NOUN issue-871 71 9 occurred occur VERB issue-871 71 10 in in ADP issue-871 71 11 ireland ireland PROPN issue-871 71 12 – – PUNCT issue-871 71 13 14 14 NUM issue-871 71 14 % % NOUN issue-871 71 15 ( ( PUNCT issue-871 71 16 4 4 NUM issue-871 71 17 % % NOUN issue-871 71 18 of of ADP issue-871 71 19 total total ADJ issue-871 71 20 assets asset NOUN issue-871 71 21 ) ) PUNCT issue-871 71 22 , , PUNCT issue-871 71 23 and and CCONJ issue-871 71 24 a a DET issue-871 71 25 decrease decrease NOUN issue-871 71 26 in in ADP issue-871 71 27 malta malta PROPN issue-871 71 28 – – PUNCT issue-871 71 29 9 9 NUM issue-871 71 30 % % NOUN issue-871 71 31 ( ( PUNCT issue-871 71 32 0,13 0,13 NOUN issue-871 71 33 % % NOUN issue-871 71 34 of of ADP issue-871 71 35 assets asset NOUN issue-871 71 36 ) ) PUNCT issue-871 71 37 ( ( PUNCT issue-871 71 38 european european PROPN issue-871 71 39 central central PROPN issue-871 71 40 bank bank PROPN issue-871 71 41 , , PUNCT issue-871 71 42 2020 2020 NUM issue-871 71 43 g g NOUN issue-871 71 44 ) ) PUNCT issue-871 71 45 . . PUNCT issue-871 72 1 for for ADP issue-871 72 2 the the DET issue-871 72 3 seventh seventh ADJ issue-871 72 4 year year NOUN issue-871 72 5 in in ADP issue-871 72 6 a a DET issue-871 72 7 row row NOUN issue-871 72 8 , , PUNCT issue-871 72 9 hsbc hsbc PROPN issue-871 72 10 holding holding PROPN issue-871 72 11 plc plc PROPN issue-871 72 12 is be AUX issue-871 72 13 the the DET issue-871 72 14 largest large ADJ issue-871 72 15 bank bank NOUN issue-871 72 16 in in ADP issue-871 72 17 europe europe PROPN issue-871 72 18 in in ADP issue-871 72 19 terms term NOUN issue-871 72 20 of of ADP issue-871 72 21 assets asset NOUN issue-871 72 22 . . PUNCT issue-871 73 1 at at ADP issue-871 73 2 the the DET issue-871 73 3 end end NOUN issue-871 73 4 of of ADP issue-871 73 5 2018 2018 NUM issue-871 73 6 , , PUNCT issue-871 73 7 the the DET issue-871 73 8 uk uk PROPN issue-871 73 9 - - PUNCT issue-871 73 10 based base VERB issue-871 73 11 financial financial ADJ issue-871 73 12 institution institution NOUN issue-871 73 13 had have VERB issue-871 73 14 assets asset NOUN issue-871 73 15 totaling total VERB issue-871 73 16 2.2 2.2 NUM issue-871 73 17 trillion trillion NUM issue-871 73 18 eur eur NOUN issue-871 73 19 . . PUNCT issue-871 74 1 french french ADJ issue-871 74 2 bnp bnp PROPN issue-871 74 3 paribas paribas PROPN issue-871 74 4 sa sa PROPN issue-871 74 5 , , PUNCT issue-871 74 6 with with ADP issue-871 74 7 2.04 2.04 NUM issue-871 74 8 trillion trillion NUM issue-871 74 9 eur eur NOUN issue-871 74 10 , , PUNCT issue-871 74 11 is be AUX issue-871 74 12 the the DET issue-871 74 13 second second ADV issue-871 74 14 largest large ADJ issue-871 74 15 bank bank NOUN issue-871 74 16 , , PUNCT issue-871 74 17 and and CCONJ issue-871 74 18 another another DET issue-871 74 19 french french ADJ issue-871 74 20 bank bank NOUN issue-871 74 21 , , PUNCT issue-871 74 22 crédit crédit PROPN issue-871 74 23 agricole agricole PROPN issue-871 74 24 group group NOUN issue-871 74 25 , , PUNCT issue-871 74 26 ranks rank VERB issue-871 74 27 third third ADV issue-871 74 28 with with ADP issue-871 74 29 1.9 1.9 NUM issue-871 74 30 trillion trillion NUM issue-871 74 31 eur eur NOUN issue-871 74 32 . . PUNCT issue-871 75 1 these these DET issue-871 75 2 three three NUM issue-871 75 3 occupy occupy VERB issue-871 75 4 the the DET issue-871 75 5 highest high ADJ issue-871 75 6 positions position NOUN issue-871 75 7 in in ADP issue-871 75 8 the the DET issue-871 75 9 top top ADJ issue-871 75 10 largest large ADJ issue-871 75 11 european european ADJ issue-871 75 12 banks bank NOUN issue-871 75 13 in in ADP issue-871 75 14 terms term NOUN issue-871 75 15 of of ADP issue-871 75 16 assets asset NOUN issue-871 75 17 according accord VERB issue-871 75 18 to to ADP issue-871 75 19 s&p s&p PROPN issue-871 75 20 global global ADJ issue-871 75 21 market market NOUN issue-871 75 22 intelligence intelligence NOUN issue-871 75 23 ( ( PUNCT issue-871 75 24 ali ali PROPN issue-871 75 25 , , PUNCT issue-871 75 26 2020 2020 NUM issue-871 75 27 ) ) PUNCT issue-871 75 28 . . PUNCT issue-871 76 1 german german ADJ issue-871 76 2 flagship flagship PROPN issue-871 76 3 bank bank PROPN issue-871 76 4 deutsche deutsche PROPN issue-871 76 5 bank bank PROPN issue-871 76 6 with with ADP issue-871 76 7 assets asset NOUN issue-871 76 8 of of ADP issue-871 76 9 1.6 1.6 NUM issue-871 76 10 trillion trillion NUM issue-871 76 11 eur eur NOUN issue-871 76 12 fell fall VERB issue-871 76 13 from from ADP issue-871 76 14 4th 4th ADJ issue-871 76 15 to to ADP issue-871 76 16 5th 5th ADJ issue-871 76 17 place place NOUN issue-871 76 18 with with ADP issue-871 76 19 assets asset NOUN issue-871 76 20 of of ADP issue-871 76 21 1.4 1.4 NUM issue-871 76 22 trillion trillion NUM issue-871 76 23 eur eur NOUN issue-871 76 24 . . PUNCT issue-871 77 1 the the DET issue-871 77 2 spanish spanish ADJ issue-871 77 3 company company NOUN issue-871 77 4 banco banco PROPN issue-871 77 5 santander santander PROPN issue-871 77 6 sa sa PROPN issue-871 77 7 took take VERB issue-871 77 8 this this DET issue-871 77 9 4th 4th ADJ issue-871 77 10 position position NOUN issue-871 77 11 , , PUNCT issue-871 77 12 but but CCONJ issue-871 77 13 a a DET issue-871 77 14 possible possible ADJ issue-871 77 15 merger merger NOUN issue-871 77 16 between between ADP issue-871 77 17 deutsche deutsche NOUN issue-871 77 18 and and CCONJ issue-871 77 19 its its PRON issue-871 77 20 competitor competitor NOUN issue-871 77 21 commerzbank commerzbank PROPN issue-871 77 22 ag ag PROPN issue-871 77 23 could could AUX issue-871 77 24 lead lead VERB issue-871 77 25 to to ADP issue-871 77 26 the the DET issue-871 77 27 formation formation NOUN issue-871 77 28 of of ADP issue-871 77 29 a a DET issue-871 77 30 bank bank NOUN issue-871 77 31 with with ADP issue-871 77 32 total total ADJ issue-871 77 33 assets asset NOUN issue-871 77 34 of of ADP issue-871 77 35 1.8 1.8 NUM issue-871 77 36 trillion trillion NUM issue-871 77 37 eur eur NOUN issue-871 77 38 , , PUNCT issue-871 77 39 which which PRON issue-871 77 40 will will AUX issue-871 77 41 be be AUX issue-871 77 42 the the DET issue-871 77 43 fourth fourth ADV issue-871 77 44 largest large ADJ issue-871 77 45 in in ADP issue-871 77 46 europe europe PROPN issue-871 77 47 ( ( PUNCT issue-871 77 48 ali ali PROPN issue-871 77 49 , , PUNCT issue-871 77 50 2020 2020 NUM issue-871 77 51 ) ) PUNCT issue-871 77 52 . . PUNCT issue-871 78 1 seven seven NUM issue-871 78 2 of of ADP issue-871 78 3 europe europe PROPN issue-871 78 4 ’s ’s PART issue-871 78 5 50 50 NUM issue-871 78 6 largest large ADJ issue-871 78 7 banks bank NOUN issue-871 78 8 are be AUX issue-871 78 9 headquartered headquarter VERB issue-871 78 10 in in ADP issue-871 78 11 germany germany PROPN issue-871 78 12 , , PUNCT issue-871 78 13 and and CCONJ issue-871 78 14 together together ADV issue-871 78 15 they they PRON issue-871 78 16 have have VERB issue-871 78 17 3.1 3.1 NUM issue-871 78 18 trillion trillion NUM issue-871 78 19 eur eur NOUN issue-871 78 20 in in ADP issue-871 78 21 assets asset NOUN issue-871 78 22 . . PUNCT issue-871 79 1 in in ADP issue-871 79 2 france france PROPN issue-871 79 3 and and CCONJ issue-871 79 4 the the DET issue-871 79 5 united united ADJ issue-871 79 6 kingdom kingdom PROPN issue-871 79 7 , , PUNCT issue-871 79 8 there there PRON issue-871 79 9 are be VERB issue-871 79 10 six six NUM issue-871 79 11 banks bank NOUN issue-871 79 12 in in ADP issue-871 79 13 the the DET issue-871 79 14 ranking ranking NOUN issue-871 79 15 , , PUNCT issue-871 79 16 which which PRON issue-871 79 17 together together ADV issue-871 79 18 have have VERB issue-871 79 19 7.6 7.6 NUM issue-871 79 20 trillion trillion NUM issue-871 79 21 eur eur NOUN issue-871 79 22 and and CCONJ issue-871 79 23 6 6 NUM issue-871 79 24 trillion trillion NUM issue-871 79 25 eur eur NOUN issue-871 79 26 in in ADP issue-871 79 27 assets asset NOUN issue-871 79 28 , , PUNCT issue-871 79 29 respectively respectively ADV issue-871 79 30 ( ( PUNCT issue-871 79 31 ali ali PROPN issue-871 79 32 , , PUNCT issue-871 79 33 2020 2020 NUM issue-871 79 34 ) ) PUNCT issue-871 79 35 . . PUNCT issue-871 80 1 regarding regard VERB issue-871 80 2 the the DET issue-871 80 3 total total ADJ issue-871 80 4 liabilities liability NOUN issue-871 80 5 of of ADP issue-871 80 6 the the DET issue-871 80 7 financial financial ADJ issue-871 80 8 sector sector NOUN issue-871 80 9 , , PUNCT issue-871 80 10 as as ADP issue-871 80 11 of of ADP issue-871 80 12 march march PROPN issue-871 80 13 2020 2020 NUM issue-871 80 14 , , PUNCT issue-871 80 15 they they PRON issue-871 80 16 amounted amount VERB issue-871 80 17 to to ADP issue-871 80 18 30.03 30.03 NUM issue-871 80 19 trillion trillion NUM issue-871 80 20 , , PUNCT issue-871 80 21 an an DET issue-871 80 22 increase increase NOUN issue-871 80 23 over over ADP issue-871 80 24 the the DET issue-871 80 25 period period NOUN issue-871 80 26 under under ADP issue-871 80 27 review review NOUN issue-871 80 28 by by ADP issue-871 80 29 41.2 41.2 NUM issue-871 80 30 % % NOUN issue-871 80 31 . . PUNCT issue-871 81 1 the the DET issue-871 81 2 importance importance NOUN issue-871 81 3 of of ADP issue-871 81 4 bank bank NOUN issue-871 81 5 lending lending NOUN issue-871 81 6 is be AUX issue-871 81 7 a a DET issue-871 81 8 specific specific ADJ issue-871 81 9 characteristic characteristic NOUN issue-871 81 10 of of ADP issue-871 81 11 the the DET issue-871 81 12 european european ADJ issue-871 81 13 economy economy NOUN issue-871 81 14 . . PUNCT issue-871 82 1 proof proof NOUN issue-871 82 2 of of ADP issue-871 82 3 this this PRON issue-871 82 4 is be AUX issue-871 82 5 the the DET issue-871 82 6 positive positive ADJ issue-871 82 7 dynamics dynamic NOUN issue-871 82 8 of of ADP issue-871 82 9 loans loan NOUN issue-871 82 10 . . PUNCT issue-871 83 1 figure figure VERB issue-871 83 2 4 4 NUM issue-871 83 3 . . PUNCT issue-871 83 4 top top ADJ issue-871 83 5 10 10 NUM issue-871 83 6 eu eu PROPN issue-871 83 7 banks bank NOUN issue-871 83 8 with with ADP issue-871 83 9 the the DET issue-871 83 10 largest large ADJ issue-871 83 11 assets asset NOUN issue-871 83 12 , , PUNCT issue-871 83 13 2015 2015 NUM issue-871 83 14 - - SYM issue-871 83 15 2019 2019 NUM issue-871 83 16 source source NOUN issue-871 83 17 : : PUNCT issue-871 83 18 compiled compile VERB issue-871 83 19 by by ADP issue-871 83 20 authors author NOUN issue-871 83 21 based base VERB issue-871 83 22 on on ADP issue-871 83 23 the the DET issue-871 83 24 european european PROPN issue-871 83 25 central central PROPN issue-871 83 26 bank bank PROPN issue-871 83 27 , , PUNCT issue-871 83 28 2015 2015 NUM issue-871 83 29 - - SYM issue-871 83 30 2019 2019 NUM issue-871 83 31 ( ( PUNCT issue-871 83 32 european european PROPN issue-871 83 33 central central PROPN issue-871 83 34 bank bank PROPN issue-871 83 35 2020 2020 NUM issue-871 83 36 h h NOUN issue-871 83 37 , , PUNCT issue-871 83 38 2020 2020 NUM issue-871 83 39 f f X issue-871 83 40 ) ) PUNCT issue-871 83 41 baltic baltic ADJ issue-871 83 42 journal journal NOUN issue-871 83 43 of of ADP issue-871 83 44 economic economic ADJ issue-871 83 45 studies study NOUN issue-871 83 46 160 160 NUM issue-871 83 47 vol vol NOUN issue-871 83 48 . . PROPN issue-871 84 1 6 6 NUM issue-871 84 2 , , PUNCT issue-871 84 3 no no INTJ issue-871 84 4 . . NOUN issue-871 84 5 4 4 NUM issue-871 84 6 , , PUNCT issue-871 84 7 2020 2020 NUM issue-871 84 8 figure figure VERB issue-871 84 9 5 5 NUM issue-871 84 10 . . PUNCT issue-871 85 1 structure structure NOUN issue-871 85 2 of of ADP issue-871 85 3 liabilities liability NOUN issue-871 85 4 of of ADP issue-871 85 5 eurozone eurozone NOUN issue-871 85 6 mfis mfis NOUN issue-871 85 7 ( ( PUNCT issue-871 85 8 excluding exclude VERB issue-871 85 9 escb escb NOUN issue-871 85 10 ) ) PUNCT issue-871 85 11 source source NOUN issue-871 85 12 : : PUNCT issue-871 85 13 compiled compile VERB issue-871 85 14 by by ADP issue-871 85 15 authors author NOUN issue-871 85 16 based base VERB issue-871 85 17 on on ADP issue-871 85 18 the the DET issue-871 85 19 oesterreichische oesterreichische NOUN issue-871 85 20 nationalbank nationalbank PROPN issue-871 85 21 , , PUNCT issue-871 85 22 european european PROPN issue-871 85 23 central central PROPN issue-871 85 24 bank bank PROPN issue-871 85 25 2000 2000 NUM issue-871 85 26 - - SYM issue-871 85 27 03.2020 03.2020 NUM issue-871 85 28 ( ( PUNCT issue-871 85 29 oesterreichische oesterreichische PROPN issue-871 85 30 national national PROPN issue-871 85 31 bank bank PROPN issue-871 85 32 , , PUNCT issue-871 85 33 2020 2020 NUM issue-871 85 34 , , PUNCT issue-871 85 35 european european PROPN issue-871 85 36 central central PROPN issue-871 85 37 bank bank PROPN issue-871 85 38 , , PUNCT issue-871 85 39 2020 2020 NUM issue-871 85 40 g g NOUN issue-871 85 41 ) ) PUNCT issue-871 85 42 figure figure NOUN issue-871 85 43 6 6 NUM issue-871 85 44 . . PUNCT issue-871 86 1 structure structure NOUN issue-871 86 2 of of ADP issue-871 86 3 eu eu PROPN issue-871 86 4 mfi mfi PROPN issue-871 86 5 loans loan NOUN issue-871 86 6 ( ( PUNCT issue-871 86 7 without without ADP issue-871 86 8 escb escb NOUN issue-871 86 9 ) ) PUNCT issue-871 86 10 source source NOUN issue-871 86 11 : : PUNCT issue-871 86 12 compiled compile VERB issue-871 86 13 by by ADP issue-871 86 14 authors author NOUN issue-871 86 15 based base VERB issue-871 86 16 on on ADP issue-871 86 17 the the DET issue-871 86 18 european european PROPN issue-871 86 19 central central PROPN issue-871 86 20 bank bank PROPN issue-871 86 21 , , PUNCT issue-871 86 22 200004.2020 200004.2020 NUM issue-871 86 23 ( ( PUNCT issue-871 86 24 european european PROPN issue-871 86 25 central central PROPN issue-871 86 26 bank bank PROPN issue-871 86 27 , , PUNCT issue-871 86 28 2020 2020 NUM issue-871 86 29 g g NOUN issue-871 86 30 ) ) PUNCT issue-871 86 31 thus thus ADV issue-871 86 32 , , PUNCT issue-871 86 33 the the DET issue-871 86 34 total total ADJ issue-871 86 35 amount amount NOUN issue-871 86 36 of of ADP issue-871 86 37 loans loan NOUN issue-871 86 38 issued issue VERB issue-871 86 39 to to ADP issue-871 86 40 eu eu PROPN issue-871 86 41 mfis mfis PROPN issue-871 86 42 increased increase VERB issue-871 86 43 by by ADP issue-871 86 44 2.5 2.5 NUM issue-871 86 45 % % NOUN issue-871 86 46 in in ADP issue-871 86 47 2018 2018 NUM issue-871 86 48 and and CCONJ issue-871 86 49 reached reach VERB issue-871 86 50 more more ADJ issue-871 86 51 than than ADP issue-871 86 52 25.1 25.1 NUM issue-871 86 53 trillion trillion NUM issue-871 86 54 eur eur NOUN issue-871 86 55 . . PUNCT issue-871 87 1 the the DET issue-871 87 2 growth growth NOUN issue-871 87 3 was be AUX issue-871 87 4 mainly mainly ADV issue-871 87 5 due due ADJ issue-871 87 6 to to ADP issue-871 87 7 the the DET issue-871 87 8 growth growth NOUN issue-871 87 9 of of ADP issue-871 87 10 loans loan NOUN issue-871 87 11 to to ADP issue-871 87 12 non non ADJ issue-871 87 13 - - ADJ issue-871 87 14 financial financial ADJ issue-871 87 15 institutions institution NOUN issue-871 87 16 , , PUNCT issue-871 87 17 without without ADP issue-871 87 18 government government NOUN issue-871 87 19 loans loan NOUN issue-871 87 20 , , PUNCT issue-871 87 21 which which PRON issue-871 87 22 increased increase VERB issue-871 87 23 by by ADP issue-871 87 24 3.4 3.4 NUM issue-871 87 25 % % NOUN issue-871 87 26 in in ADP issue-871 87 27 year year NOUN issue-871 87 28 calculations calculation NOUN issue-871 87 29 to to ADP issue-871 87 30 more more ADJ issue-871 87 31 than than ADP issue-871 87 32 15.5 15.5 NUM issue-871 87 33 trillion trillion NUM issue-871 87 34 eur eur NOUN issue-871 87 35 ( ( PUNCT issue-871 87 36 european european PROPN issue-871 87 37 banking banking PROPN issue-871 87 38 federation federation PROPN issue-871 87 39 , , PUNCT issue-871 87 40 2019 2019 NUM issue-871 87 41 c c NOUN issue-871 87 42 , , PUNCT issue-871 87 43 p. p. NOUN issue-871 87 44 19 19 NUM issue-871 87 45 ) ) PUNCT issue-871 87 46 . . PUNCT issue-871 88 1 household household NOUN issue-871 88 2 loans loan NOUN issue-871 88 3 in in ADP issue-871 88 4 the the DET issue-871 88 5 eurozone eurozone NOUN issue-871 88 6 have have AUX issue-871 88 7 been be AUX issue-871 88 8 showing show VERB issue-871 88 9 positive positive ADJ issue-871 88 10 dynamics dynamic NOUN issue-871 88 11 for for ADP issue-871 88 12 the the DET issue-871 88 13 fourth fourth ADJ issue-871 88 14 year year NOUN issue-871 88 15 in in ADP issue-871 88 16 a a DET issue-871 88 17 row row NOUN issue-871 88 18 , , PUNCT issue-871 88 19 rising rise VERB issue-871 88 20 by by ADP issue-871 88 21 almost almost ADV issue-871 88 22 540 540 NUM issue-871 88 23 billion billion NUM issue-871 88 24 eur eur NOUN issue-871 88 25 since since SCONJ issue-871 88 26 2015 2015 NUM issue-871 88 27 . . PUNCT issue-871 89 1 loans loan NOUN issue-871 89 2 to to ADP issue-871 89 3 nonfinancial nonfinancial ADJ issue-871 89 4 corporations corporation NOUN issue-871 89 5 ( ( PUNCT issue-871 89 6 the the DET issue-871 89 7 non non ADJ issue-871 89 8 - - ADJ issue-871 89 9 financial financial ADJ issue-871 89 10 corporations corporation NOUN issue-871 89 11 sector sector NOUN issue-871 89 12 includes include VERB issue-871 89 13 all all DET issue-871 89 14 private private ADJ issue-871 89 15 and and CCONJ issue-871 89 16 public public ADJ issue-871 89 17 enterprises enterprise NOUN issue-871 89 18 that that PRON issue-871 89 19 produce produce VERB issue-871 89 20 goods good NOUN issue-871 89 21 or or CCONJ issue-871 89 22 provide provide VERB issue-871 89 23 non non ADJ issue-871 89 24 - - ADJ issue-871 89 25 financial financial ADJ issue-871 89 26 services service NOUN issue-871 89 27 ) ) PUNCT issue-871 89 28 in in ADP issue-871 89 29 the the DET issue-871 89 30 eu eu PROPN issue-871 89 31 increased increase VERB issue-871 89 32 by by ADP issue-871 89 33 3.8 3.8 NUM issue-871 89 34 % % NOUN issue-871 89 35 in in ADP issue-871 89 36 2018 2018 NUM issue-871 89 37 to to ADP issue-871 89 38 almost almost ADV issue-871 89 39 5.5 5.5 NUM issue-871 89 40 trillion trillion NUM issue-871 89 41 eur eur NOUN issue-871 89 42 ( ( PUNCT issue-871 89 43 this this PRON issue-871 89 44 is be AUX issue-871 89 45 the the DET issue-871 89 46 highest high ADJ issue-871 89 47 figure figure NOUN issue-871 89 48 since since SCONJ issue-871 89 49 2012 2012 NUM issue-871 89 50 ) ) PUNCT issue-871 89 51 ( ( PUNCT issue-871 89 52 european european PROPN issue-871 89 53 banking banking PROPN issue-871 89 54 federation federation PROPN issue-871 89 55 , , PUNCT issue-871 89 56 2019 2019 NUM issue-871 89 57 c c NOUN issue-871 89 58 , , PUNCT issue-871 89 59 p. p. NOUN issue-871 89 60 19 19 NUM issue-871 89 61 ) ) PUNCT issue-871 89 62 . . PUNCT issue-871 90 1 if if SCONJ issue-871 90 2 we we PRON issue-871 90 3 talk talk VERB issue-871 90 4 about about ADP issue-871 90 5 the the DET issue-871 90 6 structure structure NOUN issue-871 90 7 of of ADP issue-871 90 8 the the DET issue-871 90 9 credit credit NOUN issue-871 90 10 line line NOUN issue-871 90 11 , , PUNCT issue-871 90 12 it it PRON issue-871 90 13 can can AUX issue-871 90 14 be be AUX issue-871 90 15 seen see VERB issue-871 90 16 from from ADP issue-871 90 17 the the DET issue-871 90 18 following follow VERB issue-871 90 19 figure figure NOUN issue-871 90 20 that that SCONJ issue-871 90 21 the the DET issue-871 90 22 vast vast ADJ issue-871 90 23 majority majority NOUN issue-871 90 24 baltic baltic PROPN issue-871 90 25 journal journal PROPN issue-871 90 26 of of ADP issue-871 90 27 economic economic ADJ issue-871 90 28 studies study NOUN issue-871 90 29 161 161 NUM issue-871 90 30 vol vol NOUN issue-871 90 31 . . PROPN issue-871 90 32 6 6 NUM issue-871 90 33 , , PUNCT issue-871 90 34 no no INTJ issue-871 90 35 . . NOUN issue-871 90 36 4 4 NUM issue-871 90 37 , , PUNCT issue-871 90 38 2020 2020 NUM issue-871 90 39 of of ADP issue-871 90 40 bank bank NOUN issue-871 90 41 loans loan NOUN issue-871 90 42 are be AUX issue-871 90 43 issued issue VERB issue-871 90 44 to to ADP issue-871 90 45 non non ADJ issue-871 90 46 - - ADJ issue-871 90 47 financial financial ADJ issue-871 90 48 corporations corporation NOUN issue-871 90 49 ( ( PUNCT issue-871 90 50 nfcs nfc NOUN issue-871 90 51 ) ) PUNCT issue-871 90 52 and and CCONJ issue-871 90 53 households household NOUN issue-871 90 54 . . PUNCT issue-871 91 1 these these DET issue-871 91 2 figures figure NOUN issue-871 91 3 , , PUNCT issue-871 91 4 in in ADP issue-871 91 5 particular particular ADJ issue-871 91 6 , , PUNCT issue-871 91 7 demonstrate demonstrate VERB issue-871 91 8 the the DET issue-871 91 9 strong strong ADJ issue-871 91 10 business business NOUN issue-871 91 11 orientation orientation NOUN issue-871 91 12 of of ADP issue-871 91 13 banks bank NOUN issue-871 91 14 in in ADP issue-871 91 15 lending lend VERB issue-871 91 16 to to ADP issue-871 91 17 the the DET issue-871 91 18 real real ADJ issue-871 91 19 economy economy NOUN issue-871 91 20 . . PUNCT issue-871 92 1 regarding regard VERB issue-871 92 2 the the DET issue-871 92 3 structure structure NOUN issue-871 92 4 of of ADP issue-871 92 5 loans loan NOUN issue-871 92 6 to to ADP issue-871 92 7 non non ADJ issue-871 92 8 - - ADJ issue-871 92 9 financial financial ADJ issue-871 92 10 corporations corporation NOUN issue-871 92 11 , , PUNCT issue-871 92 12 it it PRON issue-871 92 13 should should AUX issue-871 92 14 be be AUX issue-871 92 15 noted note VERB issue-871 92 16 that that SCONJ issue-871 92 17 real real ADJ issue-871 92 18 estate estate NOUN issue-871 92 19 activities activity NOUN issue-871 92 20 , , PUNCT issue-871 92 21 professional professional ADJ issue-871 92 22 , , PUNCT issue-871 92 23 scientific scientific ADJ issue-871 92 24 - - PUNCT issue-871 92 25 technical technical ADJ issue-871 92 26 and and CCONJ issue-871 92 27 administrative administrative ADJ issue-871 92 28 and and CCONJ issue-871 92 29 support support NOUN issue-871 92 30 services service NOUN issue-871 92 31 accounted account VERB issue-871 92 32 for for ADP issue-871 92 33 more more ADJ issue-871 92 34 than than ADP issue-871 92 35 a a PRON issue-871 92 36 third third ADJ issue-871 92 37 ( ( PUNCT issue-871 92 38 36.9 36.9 NUM issue-871 92 39 % % NOUN issue-871 92 40 ) ) PUNCT issue-871 92 41 of of ADP issue-871 92 42 loans loan NOUN issue-871 92 43 issued issue VERB issue-871 92 44 at at ADP issue-871 92 45 the the DET issue-871 92 46 end end NOUN issue-871 92 47 of of ADP issue-871 92 48 2018 2018 NUM issue-871 92 49 , , PUNCT issue-871 92 50 and and CCONJ issue-871 92 51 more more ADJ issue-871 92 52 than than ADP issue-871 92 53 30.8 30.8 NUM issue-871 92 54 % % NOUN issue-871 92 55 in in ADP issue-871 92 56 iv iv NUM issue-871 92 57 quarter quarter NOUN issue-871 92 58 of of ADP issue-871 92 59 2008 2008 NUM issue-871 92 60 , , PUNCT issue-871 92 61 in in ADP issue-871 92 62 2019 2019 NUM issue-871 92 63 – – PUNCT issue-871 92 64 37.6 37.6 NUM issue-871 92 65 % % NOUN issue-871 92 66 . . PUNCT issue-871 93 1 production production NOUN issue-871 93 2 , , PUNCT issue-871 93 3 as as ADV issue-871 93 4 well well ADV issue-871 93 5 as as ADP issue-871 93 6 wholesale wholesale ADJ issue-871 93 7 and and CCONJ issue-871 93 8 retail retail ADJ issue-871 93 9 trade trade NOUN issue-871 93 10 – – PUNCT issue-871 93 11 14.1 14.1 NUM issue-871 93 12 % % NOUN issue-871 93 13 and and CCONJ issue-871 93 14 12.9 12.9 NUM issue-871 93 15 % % NOUN issue-871 93 16 , , PUNCT issue-871 93 17 respectively respectively ADV issue-871 93 18 ( ( PUNCT issue-871 93 19 european european PROPN issue-871 93 20 banking banking PROPN issue-871 93 21 federation federation PROPN issue-871 93 22 , , PUNCT issue-871 93 23 2019 2019 NUM issue-871 93 24 c c NOUN issue-871 93 25 , , PUNCT issue-871 93 26 p. p. NOUN issue-871 93 27 21 21 NUM issue-871 93 28 ) ) PUNCT issue-871 93 29 . . PUNCT issue-871 94 1 as as SCONJ issue-871 94 2 already already ADV issue-871 94 3 mentioned mention VERB issue-871 94 4 , , PUNCT issue-871 94 5 the the DET issue-871 94 6 largest large ADJ issue-871 94 7 share share NOUN issue-871 94 8 in in ADP issue-871 94 9 issued issue VERB issue-871 94 10 loans loan NOUN issue-871 94 11 is be AUX issue-871 94 12 occupied occupy VERB issue-871 94 13 by by ADP issue-871 94 14 loans loan NOUN issue-871 94 15 to to ADP issue-871 94 16 households household NOUN issue-871 94 17 and and CCONJ issue-871 94 18 non non ADJ issue-871 94 19 - - ADJ issue-871 94 20 profit profit ADJ issue-871 94 21 figure figure NOUN issue-871 94 22 7 7 NUM issue-871 94 23 . . PUNCT issue-871 94 24 structure structure NOUN issue-871 94 25 of of ADP issue-871 94 26 eurozone eurozone PROPN issue-871 94 27 mfi mfi PROPN issue-871 94 28 loans loan NOUN issue-871 94 29 to to ADP issue-871 94 30 non non ADJ issue-871 94 31 - - ADJ issue-871 94 32 monetary monetary ADJ issue-871 94 33 financial financial ADJ issue-871 94 34 institutions institution NOUN issue-871 94 35 source source NOUN issue-871 94 36 : : PUNCT issue-871 94 37 compiled compile VERB issue-871 94 38 by by ADP issue-871 94 39 authors author NOUN issue-871 94 40 based base VERB issue-871 94 41 on on ADP issue-871 94 42 the the DET issue-871 94 43 european european PROPN issue-871 94 44 central central PROPN issue-871 94 45 bank bank PROPN issue-871 94 46 , , PUNCT issue-871 94 47 2000 2000 NUM issue-871 94 48 - - SYM issue-871 94 49 04.2020 04.2020 NUM issue-871 94 50 ( ( PUNCT issue-871 94 51 european european PROPN issue-871 94 52 central central PROPN issue-871 94 53 bank bank PROPN issue-871 94 54 , , PUNCT issue-871 94 55 2020 2020 NUM issue-871 94 56 a a DET issue-871 94 57 ) ) PUNCT issue-871 94 58 figure figure NOUN issue-871 94 59 8 8 NUM issue-871 94 60 . . PUNCT issue-871 95 1 the the DET issue-871 95 2 structure structure NOUN issue-871 95 3 of of ADP issue-871 95 4 eurozone eurozone PROPN issue-871 95 5 mfi mfi PROPN issue-871 95 6 loans loan NOUN issue-871 95 7 to to ADP issue-871 95 8 non non ADJ issue-871 95 9 - - ADJ issue-871 95 10 financial financial ADJ issue-871 95 11 corporations corporation NOUN issue-871 95 12 by by ADP issue-871 95 13 economic economic ADJ issue-871 95 14 sector sector NOUN issue-871 95 15 source source NOUN issue-871 95 16 : : PUNCT issue-871 95 17 compiled compile VERB issue-871 95 18 by by ADP issue-871 95 19 authors author NOUN issue-871 95 20 based base VERB issue-871 95 21 on on ADP issue-871 95 22 the the DET issue-871 95 23 european european PROPN issue-871 95 24 central central PROPN issue-871 95 25 bank bank PROPN issue-871 95 26 , , PUNCT issue-871 95 27 2003 2003 NUM issue-871 95 28 - - SYM issue-871 95 29 03.2020 03.2020 NUM issue-871 95 30 ( ( PUNCT issue-871 95 31 european european PROPN issue-871 95 32 central central PROPN issue-871 95 33 bank bank PROPN issue-871 95 34 , , PUNCT issue-871 95 35 2020 2020 NUM issue-871 95 36 b b X issue-871 95 37 ) ) PUNCT issue-871 95 38 baltic baltic ADJ issue-871 95 39 journal journal NOUN issue-871 95 40 of of ADP issue-871 95 41 economic economic ADJ issue-871 95 42 studies study NOUN issue-871 95 43 162 162 NUM issue-871 95 44 vol vol NOUN issue-871 95 45 . . PROPN issue-871 96 1 6 6 NUM issue-871 96 2 , , PUNCT issue-871 96 3 no no INTJ issue-871 96 4 . . NOUN issue-871 96 5 4 4 NUM issue-871 96 6 , , PUNCT issue-871 96 7 2020 2020 NUM issue-871 96 8 organizations organization NOUN issue-871 96 9 that that PRON issue-871 96 10 serve serve VERB issue-871 96 11 them they PRON issue-871 96 12 . . PUNCT issue-871 97 1 in in ADP issue-871 97 2 2019 2019 NUM issue-871 97 3 , , PUNCT issue-871 97 4 this this DET issue-871 97 5 figure figure NOUN issue-871 97 6 in in ADP issue-871 97 7 the the DET issue-871 97 8 eurozone eurozone NOUN issue-871 97 9 was be AUX issue-871 97 10 5.94 5.94 NUM issue-871 97 11 trillion trillion NUM issue-871 97 12 eur eur NOUN issue-871 97 13 , , PUNCT issue-871 97 14 of of ADP issue-871 97 15 which which PRON issue-871 97 16 the the DET issue-871 97 17 lion lion NOUN issue-871 97 18 ’s ’s PART issue-871 97 19 share share NOUN issue-871 97 20 are be AUX issue-871 97 21 loans loan NOUN issue-871 97 22 for for ADP issue-871 97 23 housing housing NOUN issue-871 97 24 4.53 4.53 NUM issue-871 97 25 trillion trillion NUM issue-871 97 26 eur eur NOUN issue-871 97 27 , , PUNCT issue-871 97 28 which which PRON issue-871 97 29 has have AUX issue-871 97 30 been be AUX issue-871 97 31 showing show VERB issue-871 97 32 positive positive ADJ issue-871 97 33 dynamics dynamic NOUN issue-871 97 34 since since SCONJ issue-871 97 35 2015 2015 NUM issue-871 97 36 . . PUNCT issue-871 98 1 in in ADP issue-871 98 2 2018 2018 NUM issue-871 98 3 , , PUNCT issue-871 98 4 the the DET issue-871 98 5 amount amount NOUN issue-871 98 6 of of ADP issue-871 98 7 deposits deposit NOUN issue-871 98 8 attracted attract VERB issue-871 98 9 to to ADP issue-871 98 10 the the DET issue-871 98 11 eu eu PROPN issue-871 98 12 banking banking NOUN issue-871 98 13 sector sector NOUN issue-871 98 14 increased increase VERB issue-871 98 15 by by ADP issue-871 98 16 2.8 2.8 NUM issue-871 98 17 % % NOUN issue-871 98 18 and and CCONJ issue-871 98 19 amounted amount VERB issue-871 98 20 to to ADP issue-871 98 21 23.6 23.6 NUM issue-871 98 22 trillion trillion NUM issue-871 98 23 eur eur NOUN issue-871 98 24 . . PUNCT issue-871 99 1 france france PROPN issue-871 99 2 accounted account VERB issue-871 99 3 for for ADP issue-871 99 4 more more ADJ issue-871 99 5 than than ADP issue-871 99 6 half half NOUN issue-871 99 7 of of ADP issue-871 99 8 the the DET issue-871 99 9 increase increase NOUN issue-871 99 10 in in ADP issue-871 99 11 deposits deposit NOUN issue-871 99 12 – – PUNCT issue-871 99 13 346 346 NUM issue-871 99 14 billion billion NUM issue-871 99 15 eur eur NOUN issue-871 99 16 . . PUNCT issue-871 100 1 mfi mfi PROPN issue-871 100 2 deposits deposit NOUN issue-871 100 3 in in ADP issue-871 100 4 france france PROPN issue-871 100 5 in in ADP issue-871 100 6 2018 2018 NUM issue-871 100 7 increased increase VERB issue-871 100 8 by by ADP issue-871 100 9 almost almost ADV issue-871 100 10 185 185 NUM issue-871 100 11 billion billion NUM issue-871 100 12 eur eur NOUN issue-871 100 13 . . PUNCT issue-871 101 1 deposits deposit NOUN issue-871 101 2 by by ADP issue-871 101 3 non non ADJ issue-871 101 4 - - ADJ issue-871 101 5 government government ADJ issue-871 101 6 institutions institution NOUN issue-871 101 7 excluding exclude VERB issue-871 101 8 government government NOUN issue-871 101 9 increased increase VERB issue-871 101 10 by by ADP issue-871 101 11 162 162 NUM issue-871 101 12 billion billion NUM issue-871 101 13 eur eur NOUN issue-871 101 14 in in ADP issue-871 101 15 france france PROPN issue-871 101 16 , , PUNCT issue-871 101 17 109 109 NUM issue-871 101 18 billion billion NUM issue-871 101 19 eur eur NOUN issue-871 101 20 in in ADP issue-871 101 21 figure figure NOUN issue-871 101 22 9 9 NUM issue-871 101 23 . . PUNCT issue-871 102 1 the the DET issue-871 102 2 structure structure NOUN issue-871 102 3 of of ADP issue-871 102 4 eurozone eurozone PROPN issue-871 102 5 mfi mfi PROPN issue-871 102 6 loans loan NOUN issue-871 102 7 ( ( PUNCT issue-871 102 8 excluding exclude VERB issue-871 102 9 the the DET issue-871 102 10 escb escb NOUN issue-871 102 11 ) ) PUNCT issue-871 102 12 provided provide VERB issue-871 102 13 to to ADP issue-871 102 14 households household NOUN issue-871 102 15 and and CCONJ issue-871 102 16 non non ADJ issue-871 102 17 - - ADJ issue-871 102 18 profit profit ADJ issue-871 102 19 institutions institution NOUN issue-871 102 20 serving serve VERB issue-871 102 21 them they PRON issue-871 102 22 source source NOUN issue-871 102 23 : : PUNCT issue-871 102 24 compiled compile VERB issue-871 102 25 by by ADP issue-871 102 26 authors author NOUN issue-871 102 27 based base VERB issue-871 102 28 on on ADP issue-871 102 29 the the DET issue-871 102 30 european european PROPN issue-871 102 31 central central PROPN issue-871 102 32 bank bank PROPN issue-871 102 33 , , PUNCT issue-871 102 34 2001 2001 NUM issue-871 102 35 - - SYM issue-871 102 36 03.2020 03.2020 NUM issue-871 102 37 ( ( PUNCT issue-871 102 38 european european PROPN issue-871 102 39 central central PROPN issue-871 102 40 bank bank PROPN issue-871 102 41 , , PUNCT issue-871 102 42 2020 2020 NUM issue-871 102 43 g g NOUN issue-871 102 44 , , PUNCT issue-871 102 45 european european PROPN issue-871 102 46 central central PROPN issue-871 102 47 bank bank PROPN issue-871 102 48 , , PUNCT issue-871 102 49 2020 2020 NUM issue-871 102 50 d d X issue-871 102 51 ) ) PUNCT issue-871 102 52 figure figure NOUN issue-871 102 53 10 10 NUM issue-871 102 54 . . PUNCT issue-871 103 1 structure structure NOUN issue-871 103 2 of of ADP issue-871 103 3 deposits deposit NOUN issue-871 103 4 of of ADP issue-871 103 5 eu eu PROPN issue-871 103 6 mfis mfis PROPN issue-871 103 7 , , PUNCT issue-871 103 8 2001 2001 NUM issue-871 103 9 - - SYM issue-871 103 10 03.2020 03.2020 NUM issue-871 103 11 source source NOUN issue-871 103 12 : : PUNCT issue-871 103 13 compiled compile VERB issue-871 103 14 by by ADP issue-871 103 15 authors author NOUN issue-871 103 16 based base VERB issue-871 103 17 on on ADP issue-871 103 18 the the DET issue-871 103 19 european european PROPN issue-871 103 20 central central PROPN issue-871 103 21 bank bank PROPN issue-871 103 22 , , PUNCT issue-871 103 23 2000 2000 NUM issue-871 103 24 - - SYM issue-871 103 25 03.2020 03.2020 NUM issue-871 103 26 ( ( PUNCT issue-871 103 27 european european PROPN issue-871 103 28 central central PROPN issue-871 103 29 bank bank PROPN issue-871 103 30 , , PUNCT issue-871 103 31 2020 2020 NUM issue-871 104 1 i i PRON issue-871 104 2 , , PUNCT issue-871 104 3 european european PROPN issue-871 104 4 central central PROPN issue-871 104 5 bank bank PROPN issue-871 104 6 , , PUNCT issue-871 104 7 2020 2020 NUM issue-871 104 8 k k X issue-871 104 9 ) ) PUNCT issue-871 104 10 baltic baltic ADJ issue-871 104 11 journal journal NOUN issue-871 104 12 of of ADP issue-871 104 13 economic economic ADJ issue-871 104 14 studies study NOUN issue-871 104 15 163 163 NUM issue-871 104 16 vol vol NOUN issue-871 104 17 . . PROPN issue-871 105 1 6 6 NUM issue-871 105 2 , , PUNCT issue-871 105 3 no no INTJ issue-871 105 4 . . NOUN issue-871 105 5 4 4 NUM issue-871 105 6 , , PUNCT issue-871 105 7 2020 2020 NUM issue-871 105 8 germany germany PROPN issue-871 105 9 and and CCONJ issue-871 105 10 113 113 NUM issue-871 105 11 billion billion NUM issue-871 105 12 eur eur NOUN issue-871 105 13 in in ADP issue-871 105 14 the the DET issue-871 105 15 uk uk PROPN issue-871 105 16 ( ( PUNCT issue-871 105 17 european european PROPN issue-871 105 18 banking banking PROPN issue-871 105 19 federation federation PROPN issue-871 105 20 , , PUNCT issue-871 105 21 2019 2019 NUM issue-871 105 22 c c NOUN issue-871 105 23 , , PUNCT issue-871 105 24 p. p. NOUN issue-871 105 25 18 18 NUM issue-871 105 26 ) ) PUNCT issue-871 105 27 . . PUNCT issue-871 106 1 3 3 X issue-871 106 2 . . X issue-871 106 3 profitability profitability NOUN issue-871 106 4 , , PUNCT issue-871 106 5 quality quality NOUN issue-871 106 6 development development NOUN issue-871 106 7 of of ADP issue-871 106 8 loan loan NOUN issue-871 106 9 portfolios portfolio NOUN issue-871 106 10 one one NUM issue-871 106 11 of of ADP issue-871 106 12 the the DET issue-871 106 13 important important ADJ issue-871 106 14 indicators indicator NOUN issue-871 106 15 of of ADP issue-871 106 16 the the DET issue-871 106 17 state state NOUN issue-871 106 18 of of ADP issue-871 106 19 the the DET issue-871 106 20 banking banking NOUN issue-871 106 21 system system NOUN issue-871 106 22 – – PUNCT issue-871 106 23 the the DET issue-871 106 24 return return NOUN issue-871 106 25 on on ADP issue-871 106 26 equity equity NOUN issue-871 106 27 of of ADP issue-871 106 28 banks bank NOUN issue-871 106 29 roe roe PROPN issue-871 106 30 – – PUNCT issue-871 106 31 a a DET issue-871 106 32 key key ADJ issue-871 106 33 indicator indicator NOUN issue-871 106 34 for for ADP issue-871 106 35 assessing assess VERB issue-871 106 36 the the DET issue-871 106 37 attractiveness attractiveness NOUN issue-871 106 38 of of ADP issue-871 106 39 the the DET issue-871 106 40 banking banking NOUN issue-871 106 41 sector sector NOUN issue-871 106 42 for for ADP issue-871 106 43 investors investor NOUN issue-871 106 44 . . PUNCT issue-871 107 1 unfortunately unfortunately ADV issue-871 107 2 , , PUNCT issue-871 107 3 the the DET issue-871 107 4 profitability profitability NOUN issue-871 107 5 of of ADP issue-871 107 6 the the DET issue-871 107 7 european european ADJ issue-871 107 8 banks bank NOUN issue-871 107 9 remains remain VERB issue-871 107 10 low low ADJ issue-871 107 11 , , PUNCT issue-871 107 12 which which PRON issue-871 107 13 is be AUX issue-871 107 14 a a DET issue-871 107 15 consequence consequence NOUN issue-871 107 16 of of ADP issue-871 107 17 the the DET issue-871 107 18 difficult difficult ADJ issue-871 107 19 economic economic ADJ issue-871 107 20 situation situation NOUN issue-871 107 21 in in ADP issue-871 107 22 the the DET issue-871 107 23 eu eu PROPN issue-871 107 24 in in ADP issue-871 107 25 recent recent ADJ issue-871 107 26 years year NOUN issue-871 107 27 . . PUNCT issue-871 108 1 in in ADP issue-871 108 2 2008 2008 NUM issue-871 108 3 , , PUNCT issue-871 108 4 three three NUM issue-871 108 5 eu eu PROPN issue-871 108 6 countries country NOUN issue-871 108 7 had have VERB issue-871 108 8 a a DET issue-871 108 9 negative negative ADJ issue-871 108 10 roe roe NOUN issue-871 108 11 value value NOUN issue-871 108 12 in in ADP issue-871 108 13 the the DET issue-871 108 14 eurozone eurozone NOUN issue-871 108 15 : : PUNCT issue-871 108 16 belgium belgium NOUN issue-871 108 17 – – PUNCT issue-871 108 18 44.6 44.6 NUM issue-871 108 19 % % NOUN issue-871 108 20 , , PUNCT issue-871 108 21 the the DET issue-871 108 22 netherlands netherlands PROPN issue-871 108 23 – – PUNCT issue-871 108 24 11.9 11.9 NUM issue-871 108 25 % % NOUN issue-871 108 26 and and CCONJ issue-871 108 27 germany germany PROPN issue-871 108 28 – – PUNCT issue-871 108 29 11.4 11.4 NUM issue-871 108 30 % % NOUN issue-871 108 31 . . PUNCT issue-871 109 1 in in ADP issue-871 109 2 2011 2011 NUM issue-871 109 3 , , PUNCT issue-871 109 4 the the DET issue-871 109 5 number number NOUN issue-871 109 6 of of ADP issue-871 109 7 countries country NOUN issue-871 109 8 with with ADP issue-871 109 9 a a DET issue-871 109 10 negative negative ADJ issue-871 109 11 value value NOUN issue-871 109 12 of of ADP issue-871 109 13 roe roe PROPN issue-871 109 14 banking banking NOUN issue-871 109 15 systems system NOUN issue-871 109 16 doubled double VERB issue-871 109 17 : : PUNCT issue-871 109 18 cyprus cyprus PROPN issue-871 109 19 – – PUNCT issue-871 109 20 102.8 102.8 NUM issue-871 109 21 % % NOUN issue-871 109 22 , , PUNCT issue-871 109 23 italy italy PROPN issue-871 109 24 – – PUNCT issue-871 109 25 14.3 14.3 NUM issue-871 109 26 % % NOUN issue-871 109 27 , , PUNCT issue-871 109 28 slovenia slovenia PROPN issue-871 109 29 – – PUNCT issue-871 109 30 16.9 16.9 NUM issue-871 109 31 % % NOUN issue-871 109 32 , , PUNCT issue-871 109 33 ireland ireland PROPN issue-871 109 34 – – PUNCT issue-871 109 35 15.4 15.4 NUM issue-871 109 36 % % NOUN issue-871 109 37 , , PUNCT issue-871 109 38 portugal portugal PROPN issue-871 109 39 – – PUNCT issue-871 109 40 5.4 5.4 NUM issue-871 109 41 % % NOUN issue-871 109 42 , , PUNCT issue-871 109 43 greece greece PROPN issue-871 109 44 – – PUNCT issue-871 109 45 2.1 2.1 NUM issue-871 109 46 % % NOUN issue-871 109 47 . . PUNCT issue-871 110 1 of of ADP issue-871 110 2 those those DET issue-871 110 3 countries country NOUN issue-871 110 4 that that PRON issue-871 110 5 are be AUX issue-871 110 6 not not PART issue-871 110 7 part part NOUN issue-871 110 8 of of ADP issue-871 110 9 the the DET issue-871 110 10 euro euro PROPN issue-871 110 11 area area NOUN issue-871 110 12 , , PUNCT issue-871 110 13 in in ADP issue-871 110 14 2008 2008 NUM issue-871 110 15 , , PUNCT issue-871 110 16 the the DET issue-871 110 17 negative negative ADJ issue-871 110 18 value value NOUN issue-871 110 19 of of ADP issue-871 110 20 roe roe NOUN issue-871 110 21 were be AUX issue-871 110 22 in in ADP issue-871 110 23 the the DET issue-871 110 24 united united ADJ issue-871 110 25 kingdom kingdom PROPN issue-871 110 26 ( ( PUNCT issue-871 110 27 – – PUNCT issue-871 110 28 12.2 12.2 NUM issue-871 110 29 % % NOUN issue-871 110 30 ) ) PUNCT issue-871 110 31 and and CCONJ issue-871 110 32 denmark denmark NOUN issue-871 110 33 ( ( PUNCT issue-871 110 34 – – PUNCT issue-871 110 35 5.0 5.0 NUM issue-871 110 36 % % NOUN issue-871 110 37 ) ) PUNCT issue-871 110 38 ( ( PUNCT issue-871 110 39 valverde valverde PROPN issue-871 110 40 , , PUNCT issue-871 110 41 s. s. PROPN issue-871 110 42 , , PUNCT issue-871 110 43 fernández fernández PROPN issue-871 110 44 , , PUNCT issue-871 110 45 f f PROPN issue-871 110 46 , , PUNCT issue-871 110 47 2018 2018 NUM issue-871 110 48 , , PUNCT issue-871 110 49 pp pp ADJ issue-871 110 50 . . PUNCT issue-871 111 1 19–20 19–20 NUM issue-871 111 2 ) ) PUNCT issue-871 111 3 . . PUNCT issue-871 112 1 as as SCONJ issue-871 112 2 the the DET issue-871 112 3 ecb ecb NOUN issue-871 112 4 maintains maintain VERB issue-871 112 5 its its PRON issue-871 112 6 ultra ultra ADJ issue-871 112 7 - - ADJ issue-871 112 8 low low ADJ issue-871 112 9 interest interest NOUN issue-871 112 10 rates rate NOUN issue-871 112 11 , , PUNCT issue-871 112 12 profitability profitability NOUN issue-871 112 13 remains remain VERB issue-871 112 14 a a DET issue-871 112 15 key key ADJ issue-871 112 16 challenge challenge NOUN issue-871 112 17 facing face VERB issue-871 112 18 european european ADJ issue-871 112 19 banks bank NOUN issue-871 112 20 . . PUNCT issue-871 113 1 the the DET issue-871 113 2 profitability profitability NOUN issue-871 113 3 of of ADP issue-871 113 4 european european ADJ issue-871 113 5 banks bank NOUN issue-871 113 6 in in ADP issue-871 113 7 2018 2018 NUM issue-871 113 8 was be AUX issue-871 113 9 6.1 6.1 NUM issue-871 113 10 % % NOUN issue-871 113 11 for for ADP issue-871 113 12 the the DET issue-871 113 13 eu–28 eu–28 NOUN issue-871 113 14 , , PUNCT issue-871 113 15 compared compare VERB issue-871 113 16 to to ADP issue-871 113 17 5.8 5.8 NUM issue-871 113 18 % % NOUN issue-871 113 19 in in ADP issue-871 113 20 2017 2017 NUM issue-871 113 21 . . PUNCT issue-871 114 1 although although SCONJ issue-871 114 2 it it PRON issue-871 114 3 is be AUX issue-871 114 4 still still ADV issue-871 114 5 far far ADV issue-871 114 6 from from ADP issue-871 114 7 the the DET issue-871 114 8 10.02 10.02 NUM issue-871 114 9 % % NOUN issue-871 114 10 registered register VERB issue-871 114 11 in in ADP issue-871 114 12 the the DET issue-871 114 13 outbreak outbreak NOUN issue-871 114 14 of of ADP issue-871 114 15 the the DET issue-871 114 16 financial financial ADJ issue-871 114 17 crisis crisis NOUN issue-871 114 18 , , PUNCT issue-871 114 19 it it PRON issue-871 114 20 is be AUX issue-871 114 21 the the DET issue-871 114 22 highest high ADJ issue-871 114 23 since since SCONJ issue-871 114 24 2007 2007 NUM issue-871 114 25 ( ( PUNCT issue-871 114 26 european european PROPN issue-871 114 27 banking banking PROPN issue-871 114 28 federation federation PROPN issue-871 114 29 , , PUNCT issue-871 114 30 2019 2019 NUM issue-871 114 31 c c NOUN issue-871 114 32 , , PUNCT issue-871 114 33 p. p. NOUN issue-871 114 34 27 27 NUM issue-871 114 35 ) ) PUNCT issue-871 114 36 . . PUNCT issue-871 115 1 probably probably ADV issue-871 115 2 the the DET issue-871 115 3 most most ADV issue-871 115 4 common common ADJ issue-871 115 5 response response NOUN issue-871 115 6 to to ADP issue-871 115 7 the the DET issue-871 115 8 difficulty difficulty NOUN issue-871 115 9 of of ADP issue-871 115 10 increasing increase VERB issue-871 115 11 profits profit NOUN issue-871 115 12 was be AUX issue-871 115 13 to to PART issue-871 115 14 reduce reduce VERB issue-871 115 15 costs cost NOUN issue-871 115 16 . . PUNCT issue-871 116 1 not not PART issue-871 116 2 surprisingly surprisingly ADV issue-871 116 3 , , PUNCT issue-871 116 4 most most ADJ issue-871 116 5 major major ADJ issue-871 116 6 european european ADJ issue-871 116 7 banking banking NOUN issue-871 116 8 sectors sector NOUN issue-871 116 9 had have VERB issue-871 116 10 higher high ADJ issue-871 116 11 efficiencies efficiency NOUN issue-871 116 12 ( ( PUNCT issue-871 116 13 lower low ADJ issue-871 116 14 cost cost NOUN issue-871 116 15 - - PUNCT issue-871 116 16 to to ADP issue-871 116 17 - - PUNCT issue-871 116 18 income income NOUN issue-871 116 19 ratios ratio NOUN issue-871 116 20 ) ) PUNCT issue-871 116 21 than than ADP issue-871 116 22 at at ADP issue-871 116 23 the the DET issue-871 116 24 beginning beginning NOUN issue-871 116 25 of of ADP issue-871 116 26 the the DET issue-871 116 27 crisis crisis NOUN issue-871 116 28 . . PUNCT issue-871 117 1 in in ADP issue-871 117 2 2008 2008 NUM issue-871 117 3 , , PUNCT issue-871 117 4 spain spain PROPN issue-871 117 5 had have VERB issue-871 117 6 the the DET issue-871 117 7 lowest low ADJ issue-871 117 8 cost cost NOUN issue-871 117 9 - - PUNCT issue-871 117 10 to to ADP issue-871 117 11 - - PUNCT issue-871 117 12 income income NOUN issue-871 117 13 ratio ratio NOUN issue-871 117 14 of of ADP issue-871 117 15 the the DET issue-871 117 16 analyzed analyze VERB issue-871 117 17 countries country NOUN issue-871 117 18 , , PUNCT issue-871 117 19 which which PRON issue-871 117 20 was be AUX issue-871 117 21 also also ADV issue-871 117 22 observed observe VERB issue-871 117 23 in in ADP issue-871 117 24 the the DET issue-871 117 25 third third ADJ issue-871 117 26 quarter quarter NOUN issue-871 117 27 of of ADP issue-871 117 28 2017 2017 NUM issue-871 117 29 : : PUNCT issue-871 117 30 51.76 51.76 NUM issue-871 117 31 % % NOUN issue-871 117 32 , , PUNCT issue-871 117 33 spanish spanish ADJ issue-871 117 34 banks bank NOUN issue-871 117 35 were be AUX issue-871 117 36 even even ADV issue-871 117 37 more more ADV issue-871 117 38 efficient efficient ADJ issue-871 117 39 than than ADP issue-871 117 40 dutch dutch ADJ issue-871 117 41 banks bank NOUN issue-871 117 42 ( ( PUNCT issue-871 117 43 55.99 55.99 NUM issue-871 117 44 % % NOUN issue-871 117 45 ) ) PUNCT issue-871 117 46 and and CCONJ issue-871 117 47 french french ADJ issue-871 117 48 ( ( PUNCT issue-871 117 49 71,70 71,70 ADJ issue-871 117 50 % % NOUN issue-871 117 51 ) ) PUNCT issue-871 117 52 , , PUNCT issue-871 117 53 german german NOUN issue-871 117 54 ( ( PUNCT issue-871 117 55 71.01 71.01 NUM issue-871 117 56 % % NOUN issue-871 117 57 ) ) PUNCT issue-871 117 58 and and CCONJ issue-871 117 59 italian italian ADJ issue-871 117 60 ( ( PUNCT issue-871 117 61 62.41 62.41 NUM issue-871 117 62 % % NOUN issue-871 117 63 ) ) PUNCT issue-871 117 64 banks bank NOUN issue-871 117 65 ( ( PUNCT issue-871 117 66 valverde valverde PROPN issue-871 117 67 , , PUNCT issue-871 117 68 s. s. PROPN issue-871 117 69 , , PUNCT issue-871 117 70 fernández fernández PROPN issue-871 117 71 , , PUNCT issue-871 117 72 f f PROPN issue-871 117 73 , , PUNCT issue-871 117 74 2018 2018 NUM issue-871 117 75 , , PUNCT issue-871 117 76 p. p. NOUN issue-871 117 77 19–20 19–20 NUM issue-871 117 78 ) ) PUNCT issue-871 117 79 . . PUNCT issue-871 118 1 given give VERB issue-871 118 2 that that SCONJ issue-871 118 3 many many ADJ issue-871 118 4 of of ADP issue-871 118 5 these these DET issue-871 118 6 countries country NOUN issue-871 118 7 are be AUX issue-871 118 8 already already ADV issue-871 118 9 experiencing experience VERB issue-871 118 10 intense intense ADJ issue-871 118 11 reductions reduction NOUN issue-871 118 12 in in ADP issue-871 118 13 branch branch NOUN issue-871 118 14 numbers number NOUN issue-871 118 15 and and CCONJ issue-871 118 16 staff staff NOUN issue-871 118 17 reductions reduction NOUN issue-871 118 18 , , PUNCT issue-871 118 19 the the DET issue-871 118 20 digitalization digitalization NOUN issue-871 118 21 phenomenon phenomenon NOUN issue-871 118 22 may may AUX issue-871 118 23 require require VERB issue-871 118 24 more more ADJ issue-871 118 25 complex complex ADJ issue-871 118 26 work work NOUN issue-871 118 27 on on ADP issue-871 118 28 this this DET issue-871 118 29 front front NOUN issue-871 118 30 , , PUNCT issue-871 118 31 requiring require VERB issue-871 118 32 banks bank NOUN issue-871 118 33 to to PART issue-871 118 34 maintain maintain VERB issue-871 118 35 even even ADV issue-871 118 36 lower low ADJ issue-871 118 37 cost cost NOUN issue-871 118 38 - - PUNCT issue-871 118 39 to to ADP issue-871 118 40 - - PUNCT issue-871 118 41 income income NOUN issue-871 118 42 ratios ratio NOUN issue-871 118 43 . . PUNCT issue-871 119 1 despite despite SCONJ issue-871 119 2 rising rise VERB issue-871 119 3 inflation inflation NOUN issue-871 119 4 , , PUNCT issue-871 119 5 the the DET issue-871 119 6 european european ADJ issue-871 119 7 banks bank NOUN issue-871 119 8 continued continue VERB issue-871 119 9 to to PART issue-871 119 10 face face VERB issue-871 119 11 negative negative ADJ issue-871 119 12 real real ADJ issue-871 119 13 interest interest NOUN issue-871 119 14 rates rate NOUN issue-871 119 15 . . PUNCT issue-871 120 1 this this PRON issue-871 120 2 makes make VERB issue-871 120 3 it it PRON issue-871 120 4 difficult difficult ADJ issue-871 120 5 to to PART issue-871 120 6 profit profit VERB issue-871 120 7 from from ADP issue-871 120 8 the the DET issue-871 120 9 main main ADJ issue-871 120 10 activity activity NOUN issue-871 120 11 of of ADP issue-871 120 12 mediation mediation NOUN issue-871 120 13 , , PUNCT issue-871 120 14 in in ADP issue-871 120 15 other other ADJ issue-871 120 16 words word NOUN issue-871 120 17 , , PUNCT issue-871 120 18 the the DET issue-871 120 19 spread spread NOUN issue-871 120 20 between between ADP issue-871 120 21 the the DET issue-871 120 22 profitability profitability NOUN issue-871 120 23 of of ADP issue-871 120 24 borrowed borrow VERB issue-871 120 25 funds fund NOUN issue-871 120 26 and and CCONJ issue-871 120 27 financing financing NOUN issue-871 120 28 costs cost NOUN issue-871 120 29 . . PUNCT issue-871 121 1 the the DET issue-871 121 2 banking banking NOUN issue-871 121 3 system system NOUN issue-871 121 4 of of ADP issue-871 121 5 the the DET issue-871 121 6 eurozone eurozone NOUN issue-871 121 7 has have AUX issue-871 121 8 entered enter VERB issue-871 121 9 a a DET issue-871 121 10 coronavirus coronavirus NOUN issue-871 121 11 crisis crisis NOUN issue-871 121 12 in in ADP issue-871 121 13 a a DET issue-871 121 14 weak weak ADJ issue-871 121 15 state state NOUN issue-871 121 16 , , PUNCT issue-871 121 17 and and CCONJ issue-871 121 18 the the DET issue-871 121 19 profitability profitability NOUN issue-871 121 20 of of ADP issue-871 121 21 the the DET issue-871 121 22 sector sector NOUN issue-871 121 23 fell fall VERB issue-871 121 24 for for ADP issue-871 121 25 the the DET issue-871 121 26 first first ADJ issue-871 121 27 time time NOUN issue-871 121 28 in in ADP issue-871 121 29 three three NUM issue-871 121 30 years year NOUN issue-871 121 31 in in ADP issue-871 121 32 2019 2019 NUM issue-871 121 33 , , PUNCT issue-871 121 34 according accord VERB issue-871 121 35 to to ADP issue-871 121 36 the the DET issue-871 121 37 european european PROPN issue-871 121 38 central central PROPN issue-871 121 39 bank bank PROPN issue-871 121 40 ’s ’s PART issue-871 121 41 data datum NOUN issue-871 121 42 . . PUNCT issue-871 122 1 thus thus ADV issue-871 122 2 , , PUNCT issue-871 122 3 the the DET issue-871 122 4 slowdown slowdown NOUN issue-871 122 5 in in ADP issue-871 122 6 economic economic ADJ issue-871 122 7 growth growth NOUN issue-871 122 8 and and CCONJ issue-871 122 9 falling fall VERB issue-871 122 10 interest interest NOUN issue-871 122 11 rates rate NOUN issue-871 122 12 resulted result VERB issue-871 122 13 in in ADP issue-871 122 14 the the DET issue-871 122 15 fact fact NOUN issue-871 122 16 that that SCONJ issue-871 122 17 the the DET issue-871 122 18 return return NOUN issue-871 122 19 on on ADP issue-871 122 20 equity equity NOUN issue-871 122 21 in in ADP issue-871 122 22 113 113 NUM issue-871 122 23 banks bank NOUN issue-871 122 24 controlled control VERB issue-871 122 25 by by ADP issue-871 122 26 the the DET issue-871 122 27 ecb ecb NOUN issue-871 122 28 in in ADP issue-871 122 29 2019 2019 NUM issue-871 122 30 decreased decrease VERB issue-871 122 31 from from ADP issue-871 122 32 6.2 6.2 NUM issue-871 122 33 % % NOUN issue-871 122 34 to to ADP issue-871 122 35 5.2 5.2 NUM issue-871 122 36 % % NOUN issue-871 122 37 . . PUNCT issue-871 123 1 the the DET issue-871 123 2 least least ADV issue-871 123 3 profitable profitable ADJ issue-871 123 4 banks bank NOUN issue-871 123 5 by by ADP issue-871 123 6 country country NOUN issue-871 123 7 were be AUX issue-871 123 8 german german ADJ issue-871 123 9 ones one NOUN issue-871 123 10 , , PUNCT issue-871 123 11 where where SCONJ issue-871 123 12 21 21 NUM issue-871 123 13 ecb ecb NOUN issue-871 123 14 - - PUNCT issue-871 123 15 controlled control VERB issue-871 123 16 banks bank NOUN issue-871 123 17 had have VERB issue-871 123 18 an an DET issue-871 123 19 average average ADJ issue-871 123 20 return return NOUN issue-871 123 21 on on ADP issue-871 123 22 equity equity NOUN issue-871 123 23 of of ADP issue-871 123 24 only only ADV issue-871 123 25 0.08 0.08 NUM issue-871 123 26 % % NOUN issue-871 123 27 . . PUNCT issue-871 124 1 this this PRON issue-871 124 2 was be AUX issue-871 124 3 far far ADV issue-871 124 4 below below ADP issue-871 124 5 the the DET issue-871 124 6 profitability profitability NOUN issue-871 124 7 of of ADP issue-871 124 8 italian italian ADJ issue-871 124 9 banks bank NOUN issue-871 124 10 , , PUNCT issue-871 124 11 which which PRON issue-871 124 12 are be AUX issue-871 124 13 generally generally ADV issue-871 124 14 considered consider VERB issue-871 124 15 the the DET issue-871 124 16 weakest weak ADJ issue-871 124 17 sector sector NOUN issue-871 124 18 , , PUNCT issue-871 124 19 with with ADP issue-871 124 20 an an DET issue-871 124 21 average average ADJ issue-871 124 22 return return NOUN issue-871 124 23 on on ADP issue-871 124 24 equity equity NOUN issue-871 124 25 of of ADP issue-871 124 26 4.85 4.85 NUM issue-871 124 27 % % NOUN issue-871 124 28 last last ADJ issue-871 124 29 year year NOUN issue-871 124 30 . . PUNCT issue-871 125 1 the the DET issue-871 125 2 decline decline NOUN issue-871 125 3 in in ADP issue-871 125 4 the the DET issue-871 125 5 profitability profitability NOUN issue-871 125 6 of of ADP issue-871 125 7 eurozone eurozone NOUN issue-871 125 8 banks bank NOUN issue-871 125 9 distances distance VERB issue-871 125 10 the the DET issue-871 125 11 european european ADJ issue-871 125 12 banks bank NOUN issue-871 125 13 from from ADP issue-871 125 14 their their PRON issue-871 125 15 competitors competitor NOUN issue-871 125 16 in in ADP issue-871 125 17 the the DET issue-871 125 18 united united PROPN issue-871 125 19 states states PROPN issue-871 125 20 , , PUNCT issue-871 125 21 which which PRON issue-871 125 22 last last ADJ issue-871 125 23 year year NOUN issue-871 125 24 reported report VERB issue-871 125 25 on on ADP issue-871 125 26 average average ADJ issue-871 125 27 return return NOUN issue-871 125 28 on on ADP issue-871 125 29 equity equity NOUN issue-871 125 30 more more ADJ issue-871 125 31 than than ADP issue-871 125 32 twice twice ADV issue-871 125 33 as as ADV issue-871 125 34 high high ADJ issue-871 125 35 . . PUNCT issue-871 126 1 it it PRON issue-871 126 2 is be AUX issue-871 126 3 also also ADV issue-871 126 4 worth worth ADJ issue-871 126 5 noting note VERB issue-871 126 6 the the DET issue-871 126 7 growing grow VERB issue-871 126 8 vulnerability vulnerability NOUN issue-871 126 9 of of ADP issue-871 126 10 europe europe PROPN issue-871 126 11 ’s ’s PART issue-871 126 12 banking banking NOUN issue-871 126 13 sector sector NOUN issue-871 126 14 to to ADP issue-871 126 15 the the DET issue-871 126 16 economic economic ADJ issue-871 126 17 and and CCONJ issue-871 126 18 financial financial ADJ issue-871 126 19 turmoil turmoil NOUN issue-871 126 20 caused cause VERB issue-871 126 21 by by ADP issue-871 126 22 measures measure NOUN issue-871 126 23 to to PART issue-871 126 24 contain contain VERB issue-871 126 25 the the DET issue-871 126 26 coronavirus coronavirus NOUN issue-871 126 27 pandemic pandemic NOUN issue-871 126 28 , , PUNCT issue-871 126 29 which which PRON issue-871 126 30 are be AUX issue-871 126 31 forcing force VERB issue-871 126 32 a a DET issue-871 126 33 large large ADJ issue-871 126 34 number number NOUN issue-871 126 35 of of ADP issue-871 126 36 companies company NOUN issue-871 126 37 and and CCONJ issue-871 126 38 employees employee NOUN issue-871 126 39 to to PART issue-871 126 40 seek seek VERB issue-871 126 41 government government NOUN issue-871 126 42 assistance assistance NOUN issue-871 126 43 . . PUNCT issue-871 127 1 credit credit NOUN issue-871 127 2 margins margin NOUN issue-871 127 3 in in ADP issue-871 127 4 the the DET issue-871 127 5 figure figure NOUN issue-871 127 6 11 11 NUM issue-871 127 7 . . PUNCT issue-871 128 1 dynamics dynamic NOUN issue-871 128 2 of of ADP issue-871 128 3 the the DET issue-871 128 4 return return NOUN issue-871 128 5 on on ADP issue-871 128 6 equity equity NOUN issue-871 128 7 of of ADP issue-871 128 8 the the DET issue-871 128 9 eu eu PROPN issue-871 128 10 banks bank NOUN issue-871 128 11 , , PUNCT issue-871 128 12 2007 2007 NUM issue-871 128 13 - - SYM issue-871 128 14 2019 2019 NUM issue-871 128 15 source source NOUN issue-871 128 16 : : PUNCT issue-871 128 17 compiled compile VERB issue-871 128 18 by by ADP issue-871 128 19 authors author NOUN issue-871 128 20 based base VERB issue-871 128 21 on on ADP issue-871 128 22 the the DET issue-871 128 23 european european PROPN issue-871 128 24 central central PROPN issue-871 128 25 bank bank PROPN issue-871 128 26 , , PUNCT issue-871 128 27 2007–2019 2007–2019 NUM issue-871 128 28 ( ( PUNCT issue-871 128 29 european european PROPN issue-871 128 30 banking banking PROPN issue-871 128 31 federation federation PROPN issue-871 128 32 , , PUNCT issue-871 128 33 2019 2019 NUM issue-871 128 34 c c NOUN issue-871 128 35 ) ) PUNCT issue-871 128 36 baltic baltic ADJ issue-871 128 37 journal journal PROPN issue-871 128 38 of of ADP issue-871 128 39 economic economic ADJ issue-871 128 40 studies study NOUN issue-871 128 41 164 164 NUM issue-871 128 42 vol vol NOUN issue-871 128 43 . . PROPN issue-871 129 1 6 6 NUM issue-871 129 2 , , PUNCT issue-871 129 3 no no INTJ issue-871 129 4 . . NOUN issue-871 129 5 4 4 NUM issue-871 129 6 , , PUNCT issue-871 129 7 2020 2020 NUM issue-871 129 8 sector sector NOUN issue-871 129 9 also also ADV issue-871 129 10 declined decline VERB issue-871 129 11 due due ADJ issue-871 129 12 to to PART issue-871 129 13 lower low ADJ issue-871 129 14 ecb ecb NOUN issue-871 129 15 interest interest NOUN issue-871 129 16 rates rate NOUN issue-871 129 17 to to ADP issue-871 129 18 a a DET issue-871 129 19 record record NOUN issue-871 129 20 low low NOUN issue-871 129 21 of of ADP issue-871 129 22 minus minus ADP issue-871 129 23 0.5 0.5 NUM issue-871 129 24 % % NOUN issue-871 129 25 . . PUNCT issue-871 130 1 economists economist NOUN issue-871 130 2 predict predict VERB issue-871 130 3 that that SCONJ issue-871 130 4 the the DET issue-871 130 5 eurozone eurozone NOUN issue-871 130 6 economy economy NOUN issue-871 130 7 may may AUX issue-871 130 8 shrink shrink VERB issue-871 130 9 by by ADP issue-871 130 10 about about ADV issue-871 130 11 10 10 NUM issue-871 130 12 % % NOUN issue-871 130 13 in in ADP issue-871 130 14 the the DET issue-871 130 15 second second ADJ issue-871 130 16 quarter quarter NOUN issue-871 130 17 of of ADP issue-871 130 18 2020 2020 NUM issue-871 130 19 , , PUNCT issue-871 130 20 as as SCONJ issue-871 130 21 the the DET issue-871 130 22 world world NOUN issue-871 130 23 faces face VERB issue-871 130 24 its its PRON issue-871 130 25 deepest deep ADJ issue-871 130 26 recession recession NOUN issue-871 130 27 since since SCONJ issue-871 130 28 the the DET issue-871 130 29 great great ADJ issue-871 130 30 depression depression NOUN issue-871 130 31 of of ADP issue-871 130 32 the the DET issue-871 130 33 1930s 1930 NOUN issue-871 130 34 ( ( PUNCT issue-871 130 35 arnold arnold PROPN issue-871 130 36 , , PUNCT issue-871 130 37 2020 2020 NUM issue-871 130 38 ) ) PUNCT issue-871 130 39 . . PUNCT issue-871 131 1 regarding regard VERB issue-871 131 2 the the DET issue-871 131 3 quality quality NOUN issue-871 131 4 of of ADP issue-871 131 5 the the DET issue-871 131 6 eu eu PROPN issue-871 131 7 banks bank NOUN issue-871 131 8 assets asset NOUN issue-871 131 9 , , PUNCT issue-871 131 10 they they PRON issue-871 131 11 have have AUX issue-871 131 12 improved improve VERB issue-871 131 13 significantly significantly ADV issue-871 131 14 over over ADP issue-871 131 15 the the DET issue-871 131 16 past past ADJ issue-871 131 17 4 4 NUM issue-871 131 18 years year NOUN issue-871 131 19 . . PUNCT issue-871 132 1 as as ADP issue-871 132 2 of of ADP issue-871 132 3 june june PROPN issue-871 132 4 2019 2019 NUM issue-871 132 5 , , PUNCT issue-871 132 6 the the DET issue-871 132 7 weighted weight VERB issue-871 132 8 average average ADJ issue-871 132 9 loan loan NOUN issue-871 132 10 loss loss NOUN issue-871 132 11 ratio ratio NOUN issue-871 132 12 was be AUX issue-871 132 13 3 3 NUM issue-871 132 14 % % NOUN issue-871 132 15 , , PUNCT issue-871 132 16 for for ADP issue-871 132 17 example example NOUN issue-871 132 18 , , PUNCT issue-871 132 19 in in ADP issue-871 132 20 june june PROPN issue-871 132 21 2015 2015 NUM issue-871 132 22 – – PUNCT issue-871 132 23 6 6 NUM issue-871 132 24 % % NOUN issue-871 132 25 . . PUNCT issue-871 133 1 this this PRON issue-871 133 2 is be AUX issue-871 133 3 the the DET issue-871 133 4 lowest low ADJ issue-871 133 5 indicator indicator NOUN issue-871 133 6 since since SCONJ issue-871 133 7 the the DET issue-871 133 8 eba eba NOUN issue-871 133 9 introduced introduce VERB issue-871 133 10 a a DET issue-871 133 11 harmonized harmonized ADJ issue-871 133 12 definition definition NOUN issue-871 133 13 of of ADP issue-871 133 14 this this DET issue-871 133 15 indicator indicator NOUN issue-871 133 16 in in ADP issue-871 133 17 all all DET issue-871 133 18 european european ADJ issue-871 133 19 countries country NOUN issue-871 133 20 in in ADP issue-871 133 21 2014 2014 NUM issue-871 133 22 . . PUNCT issue-871 134 1 on on ADP issue-871 134 2 average average ADJ issue-871 134 3 , , PUNCT issue-871 134 4 it it PRON issue-871 134 5 improves improve VERB issue-871 134 6 annually annually ADV issue-871 134 7 by by ADP issue-871 134 8 0.75 0.75 NUM issue-871 134 9 percentage percentage NOUN issue-871 134 10 points point NOUN issue-871 134 11 ( ( PUNCT issue-871 134 12 european european PROPN issue-871 134 13 banking banking PROPN issue-871 134 14 federation federation PROPN issue-871 134 15 , , PUNCT issue-871 134 16 2019 2019 NUM issue-871 134 17 a a PRON issue-871 134 18 , , PUNCT issue-871 134 19 p. p. NOUN issue-871 134 20 8) 8) NUM issue-871 134 21 . . PUNCT issue-871 135 1 the the DET issue-871 135 2 total total ADJ issue-871 135 3 volume volume NOUN issue-871 135 4 of of ADP issue-871 135 5 non non ADJ issue-871 135 6 - - ADJ issue-871 135 7 performing performing ADJ issue-871 135 8 loans loan NOUN issue-871 135 9 as as ADP issue-871 135 10 of of ADP issue-871 135 11 june june PROPN issue-871 135 12 2019 2019 NUM issue-871 135 13 amounted amount VERB issue-871 135 14 to to ADP issue-871 135 15 636 636 NUM issue-871 135 16 billion billion NUM issue-871 135 17 eur eur NOUN issue-871 135 18 , , PUNCT issue-871 135 19 which which PRON issue-871 135 20 is be AUX issue-871 135 21 almost almost ADV issue-871 135 22 50 50 NUM issue-871 135 23 % % NOUN issue-871 135 24 less less ADJ issue-871 135 25 than than ADP issue-871 135 26 in in ADP issue-871 135 27 june june PROPN issue-871 135 28 2015 2015 NUM issue-871 135 29 . . PUNCT issue-871 136 1 the the DET issue-871 136 2 decrease decrease NOUN issue-871 136 3 in in ADP issue-871 136 4 non non ADJ issue-871 136 5 - - ADJ issue-871 136 6 performing perform VERB issue-871 136 7 loans loan NOUN issue-871 136 8 can can AUX issue-871 136 9 be be AUX issue-871 136 10 explained explain VERB issue-871 136 11 by by ADP issue-871 136 12 the the DET issue-871 136 13 sale sale NOUN issue-871 136 14 and and CCONJ issue-871 136 15 securitization securitization NOUN issue-871 136 16 of of ADP issue-871 136 17 credit credit NOUN issue-871 136 18 resources resource NOUN issue-871 136 19 . . PUNCT issue-871 137 1 despite despite SCONJ issue-871 137 2 the the DET issue-871 137 3 fact fact NOUN issue-871 137 4 that that SCONJ issue-871 137 5 the the DET issue-871 137 6 quality quality NOUN issue-871 137 7 of of ADP issue-871 137 8 the the DET issue-871 137 9 loan loan NOUN issue-871 137 10 portfolio portfolio NOUN issue-871 137 11 is be AUX issue-871 137 12 improving improve VERB issue-871 137 13 in in ADP issue-871 137 14 all all DET issue-871 137 15 countries country NOUN issue-871 137 16 , , PUNCT issue-871 137 17 this this DET issue-871 137 18 figure figure NOUN issue-871 137 19 remains remain VERB issue-871 137 20 uneven uneven ADJ issue-871 137 21 in in ADP issue-871 137 22 those those PRON issue-871 137 23 with with ADP issue-871 137 24 higher high ADJ issue-871 137 25 starting starting NOUN issue-871 137 26 ratios ratio NOUN issue-871 137 27 ( ( PUNCT issue-871 137 28 from from ADP issue-871 137 29 less less ADJ issue-871 137 30 than than ADP issue-871 137 31 1 1 NUM issue-871 137 32 % % NOUN issue-871 137 33 in in ADP issue-871 137 34 sweden sweden PROPN issue-871 137 35 to to ADP issue-871 137 36 39 39 NUM issue-871 137 37 % % NOUN issue-871 137 38 in in ADP issue-871 137 39 greece greece PROPN issue-871 137 40 ) ) PUNCT issue-871 137 41 . . PUNCT issue-871 138 1 italy italy PROPN issue-871 138 2 recorded record VERB issue-871 138 3 the the DET issue-871 138 4 largest large ADJ issue-871 138 5 decrease decrease NOUN issue-871 138 6 in in ADP issue-871 138 7 non non ADJ issue-871 138 8 - - ADJ issue-871 138 9 performing performing ADJ issue-871 138 10 loans loan NOUN issue-871 138 11 ( ( PUNCT issue-871 138 12 145 145 NUM issue-871 138 13 billion billion NUM issue-871 138 14 eur eur NOUN issue-871 138 15 ) ) PUNCT issue-871 138 16 between between ADP issue-871 138 17 june june PROPN issue-871 138 18 2015 2015 NUM issue-871 138 19 and and CCONJ issue-871 138 20 june june PROPN issue-871 138 21 2019 2019 NUM issue-871 138 22 , , PUNCT issue-871 138 23 as as ADV issue-871 138 24 well well ADV issue-871 138 25 as as ADP issue-871 138 26 reductions reduction NOUN issue-871 138 27 in in ADP issue-871 138 28 spain spain PROPN issue-871 138 29 ( ( PUNCT issue-871 138 30 81 81 NUM issue-871 138 31 billion billion NUM issue-871 138 32 eur eur NOUN issue-871 138 33 ) ) PUNCT issue-871 138 34 , , PUNCT issue-871 138 35 the the DET issue-871 138 36 united united ADJ issue-871 138 37 kingdom kingdom NOUN issue-871 138 38 ( ( PUNCT issue-871 138 39 60 60 NUM issue-871 138 40 billion billion NUM issue-871 138 41 eur eur NOUN issue-871 138 42 ) ) PUNCT issue-871 138 43 and and CCONJ issue-871 138 44 germany germany PROPN issue-871 138 45 ( ( PUNCT issue-871 138 46 43 43 NUM issue-871 138 47 billion billion NUM issue-871 138 48 eur eur NOUN issue-871 138 49 ) ) PUNCT issue-871 138 50 . . PUNCT issue-871 139 1 all all DET issue-871 139 2 four four NUM issue-871 139 3 countries country NOUN issue-871 139 4 recorded record VERB issue-871 139 5 a a DET issue-871 139 6 reduction reduction NOUN issue-871 139 7 of of ADP issue-871 139 8 at at ADV issue-871 139 9 least least ADV issue-871 139 10 50 50 NUM issue-871 139 11 % % NOUN issue-871 139 12 . . PUNCT issue-871 140 1 these these DET issue-871 140 2 countries country NOUN issue-871 140 3 are be AUX issue-871 140 4 followed follow VERB issue-871 140 5 by by ADP issue-871 140 6 ireland ireland PROPN issue-871 140 7 ( ( PUNCT issue-871 140 8 a a DET issue-871 140 9 decrease decrease NOUN issue-871 140 10 of of ADP issue-871 140 11 35 35 NUM issue-871 140 12 billion billion NUM issue-871 140 13 eur eur NOUN issue-871 140 14 or or CCONJ issue-871 140 15 80 80 NUM issue-871 140 16 % % NOUN issue-871 140 17 ) ) PUNCT issue-871 140 18 and and CCONJ issue-871 140 19 portugal portugal PROPN issue-871 140 20 ( ( PUNCT issue-871 140 21 a a DET issue-871 140 22 decrease decrease NOUN issue-871 140 23 of of ADP issue-871 140 24 20 20 NUM issue-871 140 25 billion billion NUM issue-871 140 26 eur eur NOUN issue-871 140 27 ) ) PUNCT issue-871 140 28 . . PUNCT issue-871 141 1 greek greek NOUN issue-871 141 2 and and CCONJ issue-871 141 3 cypriot cypriot ADJ issue-871 141 4 banks bank NOUN issue-871 141 5 , , PUNCT issue-871 141 6 which which PRON issue-871 141 7 reported report VERB issue-871 141 8 high high ADJ issue-871 141 9 ratios ratio NOUN issue-871 141 10 , , PUNCT issue-871 141 11 reduced reduce VERB issue-871 141 12 non non ADJ issue-871 141 13 - - ADJ issue-871 141 14 performing performing ADJ issue-871 141 15 loans loan NOUN issue-871 141 16 by by ADP issue-871 141 17 35 35 NUM issue-871 141 18 billion billion NUM issue-871 141 19 eur eur NOUN issue-871 141 20 ( ( PUNCT issue-871 141 21 – – PUNCT issue-871 141 22 30 30 NUM issue-871 141 23 % % NOUN issue-871 141 24 ) ) PUNCT issue-871 141 25 and and CCONJ issue-871 141 26 17 17 NUM issue-871 141 27 billion billion NUM issue-871 141 28 eur eur NOUN issue-871 141 29 ( ( PUNCT issue-871 141 30 – – PUNCT issue-871 141 31 73 73 NUM issue-871 141 32 % % NOUN issue-871 141 33 ) ) PUNCT issue-871 141 34 , , PUNCT issue-871 141 35 respectively respectively ADV issue-871 141 36 ( ( PUNCT issue-871 141 37 european european PROPN issue-871 141 38 banking banking PROPN issue-871 141 39 federation federation PROPN issue-871 141 40 , , PUNCT issue-871 141 41 2019 2019 NUM issue-871 141 42 a a PRON issue-871 141 43 , , PUNCT issue-871 141 44 p. p. NOUN issue-871 141 45 15 15 NUM issue-871 141 46 ) ) PUNCT issue-871 141 47 . . PUNCT issue-871 142 1 figure figure VERB issue-871 142 2 12 12 NUM issue-871 142 3 cost cost NOUN issue-871 142 4 - - PUNCT issue-871 142 5 to to ADP issue-871 142 6 - - PUNCT issue-871 142 7 income income NOUN issue-871 142 8 ratio ratio NOUN issue-871 142 9 in in ADP issue-871 142 10 the the DET issue-871 142 11 european european ADJ issue-871 142 12 banking banking NOUN issue-871 142 13 sector sector NOUN issue-871 142 14 , , PUNCT issue-871 142 15 2007–2019 2007–2019 NUM issue-871 142 16 source source NOUN issue-871 142 17 : : PUNCT issue-871 142 18 compiled compile VERB issue-871 142 19 by by ADP issue-871 142 20 authors author NOUN issue-871 142 21 based base VERB issue-871 142 22 on on ADP issue-871 142 23 the the DET issue-871 142 24 european european PROPN issue-871 142 25 central central PROPN issue-871 142 26 bank bank PROPN issue-871 142 27 , , PUNCT issue-871 142 28 2007–2019 2007–2019 NUM issue-871 142 29 ( ( PUNCT issue-871 142 30 european european PROPN issue-871 142 31 banking banking PROPN issue-871 142 32 federation federation PROPN issue-871 142 33 , , PUNCT issue-871 142 34 2019 2019 NUM issue-871 142 35 e e NOUN issue-871 142 36 ) ) PUNCT issue-871 142 37 figure figure NOUN issue-871 142 38 13 13 NUM issue-871 142 39 . . PUNCT issue-871 143 1 weighted weight VERB issue-871 143 2 average average ADJ issue-871 143 3 ratio ratio NOUN issue-871 143 4 of of ADP issue-871 143 5 non non ADJ issue-871 143 6 - - ADJ issue-871 143 7 performing performing ADJ issue-871 143 8 loans loan NOUN issue-871 143 9 source source NOUN issue-871 143 10 : : PUNCT issue-871 143 11 compiled compile VERB issue-871 143 12 by by ADP issue-871 143 13 authors author NOUN issue-871 143 14 based base VERB issue-871 143 15 on on ADP issue-871 143 16 the the DET issue-871 143 17 european european PROPN issue-871 143 18 central central PROPN issue-871 143 19 bank bank PROPN issue-871 143 20 , , PUNCT issue-871 143 21 2014 2014 NUM issue-871 143 22 - - SYM issue-871 143 23 2019 2019 NUM issue-871 143 24 ( ( PUNCT issue-871 143 25 european european PROPN issue-871 143 26 banking banking PROPN issue-871 143 27 federation federation PROPN issue-871 143 28 , , PUNCT issue-871 143 29 2019 2019 NUM issue-871 143 30 b b NOUN issue-871 143 31 ) ) PUNCT issue-871 143 32 baltic baltic ADJ issue-871 143 33 journal journal NOUN issue-871 143 34 of of ADP issue-871 143 35 economic economic ADJ issue-871 143 36 studies study NOUN issue-871 143 37 165 165 NUM issue-871 143 38 vol vol NOUN issue-871 143 39 . . PROPN issue-871 144 1 6 6 NUM issue-871 144 2 , , PUNCT issue-871 144 3 no no INTJ issue-871 144 4 . . NOUN issue-871 144 5 4 4 NUM issue-871 144 6 , , PUNCT issue-871 144 7 2020 2020 NUM issue-871 144 8 this this DET issue-871 144 9 improvement improvement NOUN issue-871 144 10 in in ADP issue-871 144 11 the the DET issue-871 144 12 quality quality NOUN issue-871 144 13 of of ADP issue-871 144 14 the the DET issue-871 144 15 loan loan NOUN issue-871 144 16 portfolio portfolio NOUN issue-871 144 17 was be AUX issue-871 144 18 preceded precede VERB issue-871 144 19 by by ADP issue-871 144 20 the the DET issue-871 144 21 following following NOUN issue-871 144 22 : : PUNCT issue-871 144 23 – – PUNCT issue-871 144 24 efforts effort NOUN issue-871 144 25 of of ADP issue-871 144 26 banks bank NOUN issue-871 144 27 to to PART issue-871 144 28 improve improve VERB issue-871 144 29 the the DET issue-871 144 30 management management NOUN issue-871 144 31 of of ADP issue-871 144 32 non non ADJ issue-871 144 33 - - ADJ issue-871 144 34 performing performing ADJ issue-871 144 35 loans loan NOUN issue-871 144 36 , , PUNCT issue-871 144 37 by by ADP issue-871 144 38 improving improve VERB issue-871 144 39 monitoring monitoring NOUN issue-871 144 40 and and CCONJ issue-871 144 41 restructuring restructuring NOUN issue-871 144 42 strategies strategy NOUN issue-871 144 43 , , PUNCT issue-871 144 44 by by ADP issue-871 144 45 investing invest VERB issue-871 144 46 in in ADP issue-871 144 47 information information NOUN issue-871 144 48 technology technology NOUN issue-871 144 49 and and CCONJ issue-871 144 50 management management NOUN issue-871 144 51 ; ; PUNCT issue-871 144 52 – – PUNCT issue-871 144 53 economic economic ADJ issue-871 144 54 growth growth NOUN issue-871 144 55 , , PUNCT issue-871 144 56 lowering lower VERB issue-871 144 57 of of ADP issue-871 144 58 unemployment unemployment NOUN issue-871 144 59 level level NOUN issue-871 144 60 , , PUNCT issue-871 144 61 low low ADJ issue-871 144 62 interest interest NOUN issue-871 144 63 rates rate NOUN issue-871 144 64 and and CCONJ issue-871 144 65 dynamic dynamic ADJ issue-871 144 66 development development NOUN issue-871 144 67 of of ADP issue-871 144 68 the the DET issue-871 144 69 real real ADJ issue-871 144 70 estate estate NOUN issue-871 144 71 market market NOUN issue-871 144 72 in in ADP issue-871 144 73 the the DET issue-871 144 74 eu eu PROPN issue-871 144 75 over over ADP issue-871 144 76 the the DET issue-871 144 77 past past ADJ issue-871 144 78 4 4 NUM issue-871 144 79 years year NOUN issue-871 144 80 . . PUNCT issue-871 145 1 all all DET issue-871 145 2 these these DET issue-871 145 3 factors factor NOUN issue-871 145 4 together together ADV issue-871 145 5 increased increase VERB issue-871 145 6 the the DET issue-871 145 7 interest interest NOUN issue-871 145 8 of of ADP issue-871 145 9 investors investor NOUN issue-871 145 10 . . PUNCT issue-871 146 1 in in ADP issue-871 146 2 march march PROPN issue-871 146 3 2018 2018 NUM issue-871 146 4 , , PUNCT issue-871 146 5 the the DET issue-871 146 6 european european PROPN issue-871 146 7 commission commission PROPN issue-871 146 8 presented present VERB issue-871 146 9 a a DET issue-871 146 10 package package NOUN issue-871 146 11 of of ADP issue-871 146 12 measures measure NOUN issue-871 146 13 to to PART issue-871 146 14 overcome overcome VERB issue-871 146 15 the the DET issue-871 146 16 high high ADJ issue-871 146 17 rates rate NOUN issue-871 146 18 of of ADP issue-871 146 19 bad bad ADJ issue-871 146 20 loans loan NOUN issue-871 146 21 . . PUNCT issue-871 147 1 the the DET issue-871 147 2 proposed propose VERB issue-871 147 3 measures measure NOUN issue-871 147 4 are be AUX issue-871 147 5 aimed aim VERB issue-871 147 6 at at ADP issue-871 147 7 accelerating accelerate VERB issue-871 147 8 the the DET issue-871 147 9 progress progress NOUN issue-871 147 10 already already ADV issue-871 147 11 made make VERB issue-871 147 12 in in ADP issue-871 147 13 reducing reduce VERB issue-871 147 14 the the DET issue-871 147 15 ratio ratio NOUN issue-871 147 16 and and CCONJ issue-871 147 17 preventing prevent VERB issue-871 147 18 its its PRON issue-871 147 19 recovery recovery NOUN issue-871 147 20 . . PUNCT issue-871 148 1 the the DET issue-871 148 2 package package NOUN issue-871 148 3 included include VERB issue-871 148 4 ( ( PUNCT issue-871 148 5 european european PROPN issue-871 148 6 commission commission PROPN issue-871 148 7 , , PUNCT issue-871 148 8 2019 2019 NUM issue-871 148 9 ): ): PUNCT issue-871 148 10 – – PUNCT issue-871 148 11 a a DET issue-871 148 12 proposal proposal NOUN issue-871 148 13 for for ADP issue-871 148 14 a a DET issue-871 148 15 resolution resolution NOUN issue-871 148 16 on on ADP issue-871 148 17 amendments amendment NOUN issue-871 148 18 to to ADP issue-871 148 19 the the DET issue-871 148 20 regulation regulation NOUN issue-871 148 21 of of ADP issue-871 148 22 capital capital NOUN issue-871 148 23 requirements requirement NOUN issue-871 148 24 and and CCONJ issue-871 148 25 the the DET issue-871 148 26 introduction introduction NOUN issue-871 148 27 of of ADP issue-871 148 28 general general ADJ issue-871 148 29 minimum minimum ADJ issue-871 148 30 levels level NOUN issue-871 148 31 of of ADP issue-871 148 32 coverage coverage NOUN issue-871 148 33 for for ADP issue-871 148 34 new new ADJ issue-871 148 35 loans loan NOUN issue-871 148 36 that that PRON issue-871 148 37 become become VERB issue-871 148 38 bad bad ADJ issue-871 148 39 . . PUNCT issue-871 149 1 this this DET issue-871 149 2 measure measure NOUN issue-871 149 3 will will AUX issue-871 149 4 force force VERB issue-871 149 5 banks bank NOUN issue-871 149 6 to to PART issue-871 149 7 allocate allocate VERB issue-871 149 8 funds fund NOUN issue-871 149 9 to to PART issue-871 149 10 cover cover VERB issue-871 149 11 the the DET issue-871 149 12 risks risk NOUN issue-871 149 13 associated associate VERB issue-871 149 14 with with ADP issue-871 149 15 such such ADJ issue-871 149 16 problems problem NOUN issue-871 149 17 ; ; PUNCT issue-871 149 18 – – PUNCT issue-871 149 19 a a DET issue-871 149 20 proposal proposal NOUN issue-871 149 21 for for ADP issue-871 149 22 a a DET issue-871 149 23 directive directive NOUN issue-871 149 24 on on ADP issue-871 149 25 those those PRON issue-871 149 26 who who PRON issue-871 149 27 service service VERB issue-871 149 28 loans loan NOUN issue-871 149 29 and and CCONJ issue-871 149 30 their their PRON issue-871 149 31 buyers buyer NOUN issue-871 149 32 , , PUNCT issue-871 149 33 as as ADV issue-871 149 34 well well ADV issue-871 149 35 as as ADP issue-871 149 36 on on ADP issue-871 149 37 the the DET issue-871 149 38 procedure procedure NOUN issue-871 149 39 for for ADP issue-871 149 40 collecting collect VERB issue-871 149 41 collateral collateral NOUN issue-871 149 42 . . PUNCT issue-871 150 1 this this DET issue-871 150 2 measure measure NOUN issue-871 150 3 will will AUX issue-871 150 4 provide provide VERB issue-871 150 5 banks bank NOUN issue-871 150 6 with with ADP issue-871 150 7 an an DET issue-871 150 8 effective effective ADJ issue-871 150 9 mechanism mechanism NOUN issue-871 150 10 for for ADP issue-871 150 11 out out ADV issue-871 150 12 - - PUNCT issue-871 150 13 of of ADP issue-871 150 14 - - PUNCT issue-871 150 15 court court NOUN issue-871 150 16 reimbursement reimbursement NOUN issue-871 150 17 of of ADP issue-871 150 18 secured secured ADJ issue-871 150 19 loans loan NOUN issue-871 150 20 and and CCONJ issue-871 150 21 will will AUX issue-871 150 22 promote promote VERB issue-871 150 23 the the DET issue-871 150 24 development development NOUN issue-871 150 25 of of ADP issue-871 150 26 secondary secondary ADJ issue-871 150 27 markets market NOUN issue-871 150 28 , , PUNCT issue-871 150 29 in in ADP issue-871 150 30 which which PRON issue-871 150 31 banks bank NOUN issue-871 150 32 can can AUX issue-871 150 33 offer offer VERB issue-871 150 34 bad bad ADJ issue-871 150 35 loans loan NOUN issue-871 150 36 , , PUNCT issue-871 150 37 and and CCONJ issue-871 150 38 other other ADJ issue-871 150 39 specialized specialized ADJ issue-871 150 40 credit credit NOUN issue-871 150 41 services service NOUN issue-871 150 42 to to ADP issue-871 150 43 investors investor NOUN issue-871 150 44 . . PUNCT issue-871 151 1 the the DET issue-871 151 2 commission commission PROPN issue-871 151 3 ’s ’s PART issue-871 151 4 working work VERB issue-871 151 5 document document NOUN issue-871 151 6 on on ADP issue-871 151 7 the the DET issue-871 151 8 drafting drafting NOUN issue-871 151 9 of of ADP issue-871 151 10 national national ADJ issue-871 151 11 asset asset NOUN issue-871 151 12 management management NOUN issue-871 151 13 companies company NOUN issue-871 151 14 ( ( PUNCT issue-871 151 15 amcs amcs NOUN issue-871 151 16 ) ) PUNCT issue-871 151 17 provides provide VERB issue-871 151 18 guidance guidance NOUN issue-871 151 19 to to ADP issue-871 151 20 national national ADJ issue-871 151 21 authorities authority NOUN issue-871 151 22 on on ADP issue-871 151 23 how how SCONJ issue-871 151 24 they they PRON issue-871 151 25 can can AUX issue-871 151 26 set set VERB issue-871 151 27 up up ADP issue-871 151 28 national national ADJ issue-871 151 29 asset asset NOUN issue-871 151 30 management management NOUN issue-871 151 31 companies company NOUN issue-871 151 32 ( ( PUNCT issue-871 151 33 amcs amcs NOUN issue-871 151 34 ) ) PUNCT issue-871 151 35 to to PART issue-871 151 36 address address VERB issue-871 151 37 bad bad ADJ issue-871 151 38 loans loan NOUN issue-871 151 39 . . PUNCT issue-871 152 1 following follow VERB issue-871 152 2 the the DET issue-871 152 3 postponement postponement NOUN issue-871 152 4 of of ADP issue-871 152 5 the the DET issue-871 152 6 national national PROPN issue-871 152 7 stress stress NOUN issue-871 152 8 test test NOUN issue-871 152 9 to to ADP issue-871 152 10 2021 2021 NUM issue-871 152 11 , , PUNCT issue-871 152 12 the the DET issue-871 152 13 board board NOUN issue-871 152 14 of of ADP issue-871 152 15 supervisors supervisor NOUN issue-871 152 16 agreed agree VERB issue-871 152 17 to to PART issue-871 152 18 conduct conduct VERB issue-871 152 19 an an DET issue-871 152 20 additional additional ADJ issue-871 152 21 transparency transparency NOUN issue-871 152 22 procedure procedure NOUN issue-871 152 23 to to PART issue-871 152 24 provide provide VERB issue-871 152 25 up up ADP issue-871 152 26 - - PUNCT issue-871 152 27 todate todate VERB issue-871 152 28 information information NOUN issue-871 152 29 on on ADP issue-871 152 30 banking banking NOUN issue-871 152 31 risks risk NOUN issue-871 152 32 and and CCONJ issue-871 152 33 the the DET issue-871 152 34 quality quality NOUN issue-871 152 35 of of ADP issue-871 152 36 market market NOUN issue-871 152 37 participants participant NOUN issue-871 152 38 ’ ' PUNCT issue-871 152 39 assets asset NOUN issue-871 152 40 . . PUNCT issue-871 153 1 unlike unlike ADP issue-871 153 2 stress stress NOUN issue-871 153 3 tests test NOUN issue-871 153 4 , , PUNCT issue-871 153 5 this this DET issue-871 153 6 procedure procedure NOUN issue-871 153 7 is be AUX issue-871 153 8 a a DET issue-871 153 9 pure pure ADJ issue-871 153 10 disclosure disclosure NOUN issue-871 153 11 , , PUNCT issue-871 153 12 where where SCONJ issue-871 153 13 only only ADV issue-871 153 14 data datum NOUN issue-871 153 15 on on ADP issue-871 153 16 each each DET issue-871 153 17 bank bank NOUN issue-871 153 18 are be AUX issue-871 153 19 published publish VERB issue-871 153 20 . . PUNCT issue-871 154 1 the the DET issue-871 154 2 spring spring NOUN issue-871 154 3 procedure procedure NOUN issue-871 154 4 of of ADP issue-871 154 5 2020 2020 NUM issue-871 154 6 covers cover VERB issue-871 154 7 127 127 NUM issue-871 154 8 banks bank NOUN issue-871 154 9 from from ADP issue-871 154 10 27 27 NUM issue-871 154 11 countries country NOUN issue-871 154 12 of of ADP issue-871 154 13 the the DET issue-871 154 14 european european ADJ issue-871 154 15 economic economic ADJ issue-871 154 16 area area NOUN issue-871 154 17 , , PUNCT issue-871 154 18 and and CCONJ issue-871 154 19 the the DET issue-871 154 20 data datum NOUN issue-871 154 21 are be AUX issue-871 154 22 disclosed disclose VERB issue-871 154 23 at at ADP issue-871 154 24 the the DET issue-871 154 25 highest high ADJ issue-871 154 26 level level NOUN issue-871 154 27 of of ADP issue-871 154 28 consolidation consolidation NOUN issue-871 154 29 as as ADP issue-871 154 30 of of ADP issue-871 154 31 september september PROPN issue-871 154 32 2019 2019 NUM issue-871 154 33 and and CCONJ issue-871 154 34 december december PROPN issue-871 154 35 2019 2019 NUM issue-871 154 36 ( ( PUNCT issue-871 154 37 moody moody PROPN issue-871 154 38 ’s ’s PART issue-871 154 39 analytics analytic NOUN issue-871 154 40 , , PUNCT issue-871 154 41 2020 2020 NUM issue-871 154 42 ) ) PUNCT issue-871 154 43 . . PUNCT issue-871 155 1 4 4 X issue-871 155 2 . . X issue-871 155 3 conclusion conclusion NOUN issue-871 155 4 thus thus ADV issue-871 155 5 , , PUNCT issue-871 155 6 summarizing summarize VERB issue-871 155 7 all all DET issue-871 155 8 the the DET issue-871 155 9 above above ADV issue-871 155 10 - - PUNCT issue-871 155 11 mentioned mention VERB issue-871 155 12 facts fact NOUN issue-871 155 13 we we PRON issue-871 155 14 can can AUX issue-871 155 15 state state VERB issue-871 155 16 that that SCONJ issue-871 155 17 the the DET issue-871 155 18 number number NOUN issue-871 155 19 of of ADP issue-871 155 20 credit credit NOUN issue-871 155 21 institutions institution NOUN issue-871 155 22 and and CCONJ issue-871 155 23 their their PRON issue-871 155 24 branches branch NOUN issue-871 155 25 in in ADP issue-871 155 26 the the DET issue-871 155 27 eu eu PROPN issue-871 155 28 during during ADP issue-871 155 29 the the DET issue-871 155 30 study study NOUN issue-871 155 31 period period NOUN issue-871 155 32 has have VERB issue-871 155 33 a a DET issue-871 155 34 negative negative ADJ issue-871 155 35 trend trend NOUN issue-871 155 36 . . PUNCT issue-871 156 1 at at ADP issue-871 156 2 the the DET issue-871 156 3 same same ADJ issue-871 156 4 time time NOUN issue-871 156 5 , , PUNCT issue-871 156 6 the the DET issue-871 156 7 total total ADJ issue-871 156 8 assets asset NOUN issue-871 156 9 of of ADP issue-871 156 10 the the DET issue-871 156 11 banking banking NOUN issue-871 156 12 sector sector NOUN issue-871 156 13 have have VERB issue-871 156 14 a a DET issue-871 156 15 positive positive ADJ issue-871 156 16 dynamic dynamic NOUN issue-871 156 17 , , PUNCT issue-871 156 18 and and CCONJ issue-871 156 19 the the DET issue-871 156 20 expansion expansion NOUN issue-871 156 21 was be AUX issue-871 156 22 mainly mainly ADV issue-871 156 23 due due ADJ issue-871 156 24 to to ADP issue-871 156 25 increased increase VERB issue-871 156 26 assets asset NOUN issue-871 156 27 in in ADP issue-871 156 28 the the DET issue-871 156 29 eurozone eurozone NOUN issue-871 156 30 . . PUNCT issue-871 157 1 similar similar ADJ issue-871 157 2 to to ADP issue-871 157 3 assets asset NOUN issue-871 157 4 , , PUNCT issue-871 157 5 the the DET issue-871 157 6 volume volume NOUN issue-871 157 7 of of ADP issue-871 157 8 bank bank NOUN issue-871 157 9 liabilities liability NOUN issue-871 157 10 also also ADV issue-871 157 11 has have VERB issue-871 157 12 a a DET issue-871 157 13 positive positive ADJ issue-871 157 14 trend trend NOUN issue-871 157 15 , , PUNCT issue-871 157 16 increasing increase VERB issue-871 157 17 over over ADP issue-871 157 18 the the DET issue-871 157 19 period period NOUN issue-871 157 20 under under ADP issue-871 157 21 review review NOUN issue-871 157 22 by by ADP issue-871 157 23 41.2 41.2 NUM issue-871 157 24 % % NOUN issue-871 157 25 . . PUNCT issue-871 158 1 also also ADV issue-871 158 2 encouraging encourage VERB issue-871 158 3 is be AUX issue-871 158 4 the the DET issue-871 158 5 fact fact NOUN issue-871 158 6 that that SCONJ issue-871 158 7 the the DET issue-871 158 8 quality quality NOUN issue-871 158 9 of of ADP issue-871 158 10 assets asset NOUN issue-871 158 11 is be AUX issue-871 158 12 improving improve VERB issue-871 158 13 every every DET issue-871 158 14 year year NOUN issue-871 158 15 , , PUNCT issue-871 158 16 which which PRON issue-871 158 17 indicates indicate VERB issue-871 158 18 a a DET issue-871 158 19 balanced balanced ADJ issue-871 158 20 , , PUNCT issue-871 158 21 wellstructured wellstructure VERB issue-871 158 22 policy policy NOUN issue-871 158 23 of of ADP issue-871 158 24 banks bank NOUN issue-871 158 25 and and CCONJ issue-871 158 26 the the DET issue-871 158 27 central central ADJ issue-871 158 28 bank bank NOUN issue-871 158 29 in in ADP issue-871 158 30 general general ADJ issue-871 158 31 . . PUNCT issue-871 159 1 figure figure NOUN issue-871 159 2 14 14 NUM issue-871 159 3 . . PUNCT issue-871 160 1 total total ADJ issue-871 160 2 problem problem NOUN issue-871 160 3 loans loan NOUN issue-871 160 4 of of ADP issue-871 160 5 the the DET issue-871 160 6 european european ADJ issue-871 160 7 banking banking NOUN issue-871 160 8 sector sector NOUN issue-871 160 9 , , PUNCT issue-871 160 10 2015 2015 NUM issue-871 160 11 - - SYM issue-871 160 12 2019 2019 NUM issue-871 160 13 billion billion NUM issue-871 160 14 eur eur PROPN issue-871 160 15 source source NOUN issue-871 160 16 : : PUNCT issue-871 160 17 compiled compile VERB issue-871 160 18 by by ADP issue-871 160 19 authors author NOUN issue-871 160 20 based base VERB issue-871 160 21 on on ADP issue-871 160 22 the the DET issue-871 160 23 european european PROPN issue-871 160 24 central central PROPN issue-871 160 25 bank bank PROPN issue-871 160 26 , , PUNCT issue-871 160 27 2015 2015 NUM issue-871 160 28 - - SYM issue-871 160 29 2019 2019 NUM issue-871 160 30 ( ( PUNCT issue-871 160 31 european european PROPN issue-871 160 32 banking banking PROPN issue-871 160 33 federation federation PROPN issue-871 160 34 , , PUNCT issue-871 160 35 2019 2019 NUM issue-871 160 36 a a PRON issue-871 160 37 ) ) PUNCT issue-871 160 38 baltic baltic ADJ issue-871 160 39 journal journal NOUN issue-871 160 40 of of ADP issue-871 160 41 economic economic ADJ issue-871 160 42 studies study NOUN issue-871 160 43 166 166 NUM issue-871 160 44 vol vol NOUN issue-871 160 45 . . PROPN issue-871 161 1 6 6 NUM issue-871 161 2 , , PUNCT issue-871 161 3 no no INTJ issue-871 161 4 . . NOUN issue-871 161 5 4 4 NUM issue-871 161 6 , , PUNCT issue-871 161 7 2020 2020 NUM issue-871 161 8 referenсes referenсes VERB issue-871 161 9 : : PUNCT issue-871 161 10 ali ali PROPN issue-871 161 11 , , PUNCT issue-871 161 12 z. z. PROPN issue-871 161 13 ( ( PUNCT issue-871 161 14 2020 2020 NUM issue-871 161 15 ) ) PUNCT issue-871 162 1 europe europe PROPN issue-871 162 2 ’s ’s PART issue-871 162 3 50 50 NUM issue-871 162 4 largest large ADJ issue-871 162 5 banks bank NOUN issue-871 162 6 by by ADP issue-871 162 7 assets asset NOUN issue-871 162 8 , , PUNCT issue-871 162 9 2020 2020 NUM issue-871 162 10 . . PUNCT issue-871 163 1 s&p s&p PROPN issue-871 163 2 global global PROPN issue-871 163 3 . . PUNCT issue-871 164 1 available available ADJ issue-871 164 2 at at ADP issue-871 164 3 : : PUNCT issue-871 164 4 https://www.spglobal.com/ https://www.spglobal.com/ ADJ issue-871 164 5 marketintelligence marketintelligence NOUN issue-871 164 6 / / SYM issue-871 164 7 en en ADP issue-871 164 8 / / SYM issue-871 164 9 news news NOUN issue-871 164 10 - - PUNCT issue-871 164 11 insights insight NOUN issue-871 164 12 / / SYM issue-871 164 13 latest late ADJ issue-871 164 14 - - PUNCT issue-871 164 15 news news NOUN issue-871 164 16 - - PUNCT issue-871 164 17 headlines headline NOUN issue-871 164 18 / / SYM issue-871 164 19 europe europe PROPN issue-871 164 20 - - PUNCT issue-871 164 21 s-50 s-50 ADV issue-871 164 22 - - PUNCT issue-871 164 23 largest large ADJ issue-871 164 24 - - PUNCT issue-871 164 25 banks bank NOUN issue-871 164 26 - - PUNCT issue-871 164 27 by by ADP issue-871 164 28 - - PUNCT issue-871 164 29 assets-2020 assets-2020 NOUN issue-871 164 30 57901087 57901087 NUM issue-871 164 31 ( ( PUNCT issue-871 164 32 accessed access VERB issue-871 164 33 23 23 NUM issue-871 164 34 july july NOUN issue-871 164 35 2020 2020 NUM issue-871 164 36 ) ) PUNCT issue-871 164 37 . . PUNCT issue-871 165 1 altunbaş altunbaş NOUN issue-871 165 2 , , PUNCT issue-871 165 3 y. y. PROPN issue-871 165 4 , , PUNCT issue-871 165 5 & & CCONJ issue-871 165 6 chakravarty chakravarty PROPN issue-871 165 7 , , PUNCT issue-871 165 8 s. s. PROPN issue-871 165 9 ( ( PUNCT issue-871 165 10 1998 1998 NUM issue-871 165 11 ) ) PUNCT issue-871 165 12 . . PUNCT issue-871 166 1 efficiency efficiency NOUN issue-871 166 2 measures measure NOUN issue-871 166 3 and and CCONJ issue-871 166 4 the the DET issue-871 166 5 banking banking NOUN issue-871 166 6 structure structure NOUN issue-871 166 7 in in ADP issue-871 166 8 europe europe PROPN issue-871 166 9 . . PUNCT issue-871 167 1 journal journal PROPN issue-871 167 2 of of ADP issue-871 167 3 economics economic NOUN issue-871 167 4 letters letter NOUN issue-871 167 5 , , PUNCT issue-871 167 6 vol vol NOUN issue-871 167 7 . . PUNCT issue-871 168 1 60(2 60(2 NUM issue-871 168 2 ) ) PUNCT issue-871 168 3 , , PUNCT issue-871 168 4 pp pp ADP issue-871 168 5 . . PUNCT issue-871 169 1 205–208 205–208 NUM issue-871 169 2 . . PUNCT issue-871 170 1 arnold arnold PROPN issue-871 170 2 , , PUNCT issue-871 170 3 m. m. NOUN issue-871 170 4 ( ( PUNCT issue-871 170 5 2020 2020 NUM issue-871 170 6 ) ) PUNCT issue-871 170 7 . . PUNCT issue-871 171 1 ecb ecb PROPN issue-871 171 2 data data PROPN issue-871 171 3 show show VERB issue-871 171 4 eurozone eurozone NOUN issue-871 171 5 banks bank NOUN issue-871 171 6 had have VERB issue-871 171 7 weak weak ADJ issue-871 171 8 profits profit NOUN issue-871 171 9 before before ADP issue-871 171 10 coronavirus coronavirus NOUN issue-871 171 11 . . PUNCT issue-871 172 1 frankfurt frankfurt PROPN issue-871 172 2 . . PUNCT issue-871 173 1 the the DET issue-871 173 2 financial financial ADJ issue-871 173 3 times time NOUN issue-871 173 4 . . PUNCT issue-871 174 1 available available ADJ issue-871 174 2 at at ADP issue-871 174 3 : : PUNCT issue-871 174 4 https://www.ft.com/content/a1a62090-eb86-49e8-a326-dda868110d46 https://www.ft.com/content/a1a62090-eb86-49e8-a326-dda868110d46 NOUN issue-871 174 5 ( ( PUNCT issue-871 174 6 accessed access VERB issue-871 174 7 23 23 NUM issue-871 174 8 julу julу NOUN issue-871 174 9 2020 2020 NUM issue-871 174 10 ) ) PUNCT issue-871 174 11 . . PUNCT issue-871 175 1 dermine dermine PROPN issue-871 175 2 , , PUNCT issue-871 175 3 j. j. PROPN issue-871 175 4 ( ( PUNCT issue-871 175 5 2006 2006 NUM issue-871 175 6 ) ) PUNCT issue-871 175 7 . . PUNCT issue-871 176 1 european european ADJ issue-871 176 2 banking banking NOUN issue-871 176 3 integration integration NOUN issue-871 176 4 : : PUNCT issue-871 176 5 do do AUX issue-871 176 6 n’t not PART issue-871 176 7 put put VERB issue-871 176 8 the the DET issue-871 176 9 cart cart NOUN issue-871 176 10 before before ADP issue-871 176 11 the the DET issue-871 176 12 horse horse NOUN issue-871 176 13 . . PUNCT issue-871 177 1 journal journal NOUN issue-871 177 2 of of ADP issue-871 177 3 financial financial ADJ issue-871 177 4 markets market NOUN issue-871 177 5 , , PUNCT issue-871 177 6 institutions institution NOUN issue-871 177 7 & & CCONJ issue-871 177 8 instruments instrument NOUN issue-871 177 9 , , PUNCT issue-871 177 10 vol vol NOUN issue-871 177 11 . . PUNCT issue-871 177 12 15(2 15(2 NUM issue-871 177 13 ) ) PUNCT issue-871 177 14 , , PUNCT issue-871 177 15 pp pp ADP issue-871 177 16 . . PUNCT issue-871 178 1 57–106 57–106 X issue-871 178 2 . . PUNCT issue-871 179 1 european european PROPN issue-871 179 2 banking banking PROPN issue-871 179 3 authority authority NOUN issue-871 179 4 ( ( PUNCT issue-871 179 5 2019 2019 NUM issue-871 179 6 a a PRON issue-871 179 7 ) ) PUNCT issue-871 179 8 . . PUNCT issue-871 180 1 eba eba PROPN issue-871 180 2 report report PROPN issue-871 180 3 on on ADP issue-871 180 4 npls npls NOUN issue-871 180 5 . . PUNCT issue-871 181 1 progress progress NOUN issue-871 181 2 made make VERB issue-871 181 3 and and CCONJ issue-871 181 4 challenges challenge NOUN issue-871 181 5 ahead ahead ADV issue-871 181 6 . . PUNCT issue-871 182 1 available available ADJ issue-871 182 2 at at ADP issue-871 182 3 : : PUNCT issue-871 182 4 https://eba.europa.eu/file/233465/download?token=xh5hxq39 https://eba.europa.eu/file/233465/download?token=xh5hxq39 PROPN issue-871 182 5 ( ( PUNCT issue-871 182 6 accessed access VERB issue-871 182 7 23 23 NUM issue-871 182 8 july july NOUN issue-871 182 9 2020 2020 NUM issue-871 182 10 ) ) PUNCT issue-871 182 11 . . PUNCT issue-871 183 1 european european ADJ issue-871 183 2 banking banking PROPN issue-871 183 3 authority authority NOUN issue-871 183 4 ( ( PUNCT issue-871 183 5 2019 2019 NUM issue-871 183 6 b b NOUN issue-871 183 7 ) ) PUNCT issue-871 183 8 . . PUNCT issue-871 184 1 2019 2019 NUM issue-871 184 2 npl npl NOUN issue-871 184 3 report report NOUN issue-871 184 4 statistical statistical ADJ issue-871 184 5 annex annex NOUN issue-871 184 6 . . PUNCT issue-871 185 1 available available ADJ issue-871 185 2 at at ADP issue-871 185 3 : : PUNCT issue-871 185 4 https://cutt.ly/uhefzww https://cutt.ly/uhefzww PROPN issue-871 185 5 ( ( PUNCT issue-871 185 6 accessed access VERB issue-871 185 7 23 23 NUM issue-871 185 8 july july NOUN issue-871 185 9 2020 2020 NUM issue-871 185 10 ) ) PUNCT issue-871 185 11 . . PUNCT issue-871 186 1 european european PROPN issue-871 186 2 banking banking PROPN issue-871 186 3 federation federation PROPN issue-871 186 4 ( ( PUNCT issue-871 186 5 2019 2019 NUM issue-871 186 6 c c NOUN issue-871 186 7 ) ) PUNCT issue-871 186 8 . . PUNCT issue-871 187 1 banking banking NOUN issue-871 187 2 in in ADP issue-871 187 3 europe europe PROPN issue-871 187 4 : : PUNCT issue-871 187 5 ebf ebf PROPN issue-871 187 6 facts fact NOUN issue-871 187 7 & & CCONJ issue-871 187 8 figures figure NOUN issue-871 187 9 2019 2019 NUM issue-871 187 10 . . PUNCT issue-871 188 1 available available ADJ issue-871 188 2 at at ADP issue-871 188 3 : : PUNCT issue-871 188 4 https://www.ebf.eu/wp-content/uploads/2020/01/ebf-facts-and-figures-2019-banking-in-europe.pdf https://www.ebf.eu/wp-content/uploads/2020/01/ebf-facts-and-figures-2019-banking-in-europe.pdf NOUN issue-871 188 5 ( ( PUNCT issue-871 188 6 accessed access VERB issue-871 188 7 23 23 NUM issue-871 188 8 july july NOUN issue-871 188 9 2020 2020 NUM issue-871 188 10 ) ) PUNCT issue-871 188 11 . . PUNCT issue-871 189 1 european european PROPN issue-871 189 2 banking banking PROPN issue-871 189 3 federation federation PROPN issue-871 189 4 ( ( PUNCT issue-871 189 5 2019 2019 NUM issue-871 189 6 d d NOUN issue-871 189 7 ) ) PUNCT issue-871 189 8 . . PUNCT issue-871 190 1 banking banking NOUN issue-871 190 2 sector sector NOUN issue-871 190 3 performance performance NOUN issue-871 190 4 . . PUNCT issue-871 191 1 available available ADJ issue-871 191 2 at at ADP issue-871 191 3 : : PUNCT issue-871 191 4 https://www.ebf.eu/facts-andfigures/banking-sector-performance/ https://www.ebf.eu/facts-andfigures/banking-sector-performance/ X issue-871 191 5 ( ( PUNCT issue-871 191 6 accessed access VERB issue-871 191 7 23 23 NUM issue-871 191 8 julу julу NOUN issue-871 191 9 2020 2020 NUM issue-871 191 10 ) ) PUNCT issue-871 191 11 . . PUNCT issue-871 192 1 european european PROPN issue-871 192 2 central central PROPN issue-871 192 3 bank bank PROPN issue-871 192 4 ( ( PUNCT issue-871 192 5 2020 2020 NUM issue-871 192 6 a a PRON issue-871 192 7 ) ) PUNCT issue-871 192 8 . . 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PUNCT issue-871 196 1 available available ADJ issue-871 196 2 at at ADP issue-871 196 3 : : PUNCT issue-871 196 4 https://cutt.ly/4hefnlz https://cutt.ly/4hefnlz PROPN issue-871 196 5 ( ( PUNCT issue-871 196 6 accessed access VERB issue-871 196 7 23 23 NUM issue-871 196 8 july july NOUN issue-871 196 9 2020 2020 NUM issue-871 196 10 ) ) PUNCT issue-871 196 11 . . PUNCT issue-871 197 1 european european PROPN issue-871 197 2 central central PROPN issue-871 197 3 bank bank PROPN issue-871 197 4 ( ( PUNCT issue-871 197 5 2020 2020 NUM issue-871 197 6 c c NOUN issue-871 197 7 ) ) PUNCT issue-871 197 8 . . PUNCT issue-871 198 1 financial financial ADJ issue-871 198 2 corporations corporation NOUN issue-871 198 3 . . PUNCT issue-871 199 1 list list NOUN issue-871 199 2 of of ADP issue-871 199 3 financial financial ADJ issue-871 199 4 institutions institution NOUN issue-871 199 5 . . PUNCT issue-871 200 1 available available ADJ issue-871 200 2 at at ADP issue-871 200 3 : : PUNCT issue-871 200 4 https://cutt.ly/ihefqjz https://cutt.ly/ihefqjz X issue-871 200 5 ( ( PUNCT issue-871 200 6 accessed access VERB issue-871 200 7 23 23 NUM issue-871 200 8 july july NOUN issue-871 200 9 2020 2020 NUM issue-871 200 10 ) ) PUNCT issue-871 200 11 . . PUNCT issue-871 201 1 european european PROPN issue-871 201 2 central central PROPN issue-871 201 3 bank bank PROPN issue-871 201 4 ( ( PUNCT issue-871 201 5 2020 2020 NUM issue-871 201 6 d d NOUN issue-871 201 7 ) ) PUNCT issue-871 201 8 . . PUNCT issue-871 202 1 statistical statistical ADJ issue-871 202 2 data datum NOUN issue-871 202 3 warehouse warehouse NOUN issue-871 202 4 . . PUNCT issue-871 203 1 mfi mfi PROPN issue-871 203 2 balance balance NOUN issue-871 203 3 sheets sheet NOUN issue-871 203 4 euro euro NOUN issue-871 203 5 area area NOUN issue-871 203 6 lending lending NOUN issue-871 203 7 , , PUNCT issue-871 203 8 households household NOUN issue-871 203 9 and and CCONJ issue-871 203 10 non non ADJ issue-871 203 11 - - ADJ issue-871 203 12 profit profit ADJ issue-871 203 13 institutions institution NOUN issue-871 203 14 serving serve VERB issue-871 203 15 households household NOUN issue-871 203 16 . . PUNCT issue-871 204 1 available available ADJ issue-871 204 2 at at ADP issue-871 204 3 : : PUNCT issue-871 204 4 https://cutt.ly/3hef https://cutt.ly/3hef X issue-871 204 5 tn2 tn2 ADJ issue-871 204 6 ( ( PUNCT issue-871 204 7 accessed access VERB issue-871 204 8 23 23 NUM issue-871 204 9 july july NOUN issue-871 204 10 2020 2020 NUM issue-871 204 11 ) ) PUNCT issue-871 204 12 . . PUNCT issue-871 205 1 european european PROPN issue-871 205 2 central central PROPN issue-871 205 3 bank bank PROPN issue-871 205 4 ( ( PUNCT issue-871 205 5 2020 2020 NUM issue-871 205 6 e e NOUN issue-871 205 7 ) ) PUNCT issue-871 205 8 . . PUNCT issue-871 206 1 statistical statistical ADJ issue-871 206 2 data datum NOUN issue-871 206 3 warehouse warehouse NOUN issue-871 206 4 . . PUNCT issue-871 207 1 money money NOUN issue-871 207 2 , , PUNCT issue-871 207 3 credit credit NOUN issue-871 207 4 and and CCONJ issue-871 207 5 banking banking NOUN issue-871 207 6 . . PUNCT issue-871 208 1 credit credit NOUN issue-871 208 2 institutions institution NOUN issue-871 208 3 and and CCONJ issue-871 208 4 money money NOUN issue-871 208 5 market market NOUN issue-871 208 6 funds fund NOUN issue-871 208 7 . . PUNCT issue-871 209 1 credit credit NOUN issue-871 209 2 institutions institution NOUN issue-871 209 3 . . PUNCT issue-871 210 1 assets asset NOUN issue-871 210 2 . . PUNCT issue-871 210 3 available available ADJ issue-871 210 4 at at ADP issue-871 210 5 : : PUNCT issue-871 210 6 https://sdw.ecb.europa.eu/browse.do?node=9691315 https://sdw.ecb.europa.eu/browse.do?node=9691315 PROPN issue-871 210 7 ( ( PUNCT issue-871 210 8 accessed access VERB issue-871 210 9 23 23 NUM issue-871 210 10 july july NOUN issue-871 210 11 2020 2020 NUM issue-871 210 12 ) ) PUNCT issue-871 210 13 european european PROPN issue-871 210 14 central central PROPN issue-871 210 15 bank bank PROPN issue-871 210 16 ( ( PUNCT issue-871 210 17 2020 2020 NUM issue-871 210 18 f f NOUN issue-871 210 19 ) ) PUNCT issue-871 210 20 . . PUNCT issue-871 211 1 statistical statistical ADJ issue-871 211 2 data datum NOUN issue-871 211 3 warehouse warehouse NOUN issue-871 211 4 . . PUNCT issue-871 212 1 money money NOUN issue-871 212 2 , , PUNCT issue-871 212 3 credit credit NOUN issue-871 212 4 and and CCONJ issue-871 212 5 banking banking NOUN issue-871 212 6 . . 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PUNCT issue-871 219 3 available available ADJ issue-871 219 4 at at ADP issue-871 219 5 : : PUNCT issue-871 219 6 https://sdw.ecb.europa.eu/browse.do?node=9691311 https://sdw.ecb.europa.eu/browse.do?node=9691311 NOUN issue-871 219 7 ( ( PUNCT issue-871 219 8 accessed access VERB issue-871 219 9 23 23 NUM issue-871 219 10 july july NOUN issue-871 219 11 2020 2020 NUM issue-871 219 12 ) ) PUNCT issue-871 219 13 . . PUNCT issue-871 220 1 european european PROPN issue-871 220 2 central central PROPN issue-871 220 3 bank bank PROPN issue-871 220 4 ( ( PUNCT issue-871 220 5 2020 2020 NUM issue-871 220 6 h h NOUN issue-871 220 7 ) ) PUNCT issue-871 220 8 . . PUNCT issue-871 221 1 statistical statistical ADJ issue-871 221 2 data datum NOUN issue-871 221 3 warehouse warehouse NOUN issue-871 221 4 . . PUNCT issue-871 222 1 money money NOUN issue-871 222 2 , , PUNCT issue-871 222 3 credit credit NOUN issue-871 222 4 and and CCONJ issue-871 222 5 banking banking NOUN issue-871 222 6 . . PUNCT issue-871 223 1 mfi mfi PROPN issue-871 223 2 balance balance NOUN issue-871 223 3 sheets sheet NOUN issue-871 223 4 . . PUNCT issue-871 224 1 euro euro NOUN issue-871 224 2 area area NOUN issue-871 224 3 . . PUNCT issue-871 225 1 loans loan NOUN issue-871 225 2 by by ADP issue-871 225 3 sector sector NOUN issue-871 225 4 . . PUNCT issue-871 226 1 available available ADJ issue-871 226 2 at at ADP issue-871 226 3 : : PUNCT issue-871 226 4 https://cutt.ly/jhef https://cutt.ly/jhef NUM issue-871 226 5 iiu iiu PROPN issue-871 226 6 ( ( PUNCT issue-871 226 7 accessed access VERB issue-871 226 8 23 23 NUM issue-871 226 9 july july NOUN issue-871 226 10 2020 2020 NUM issue-871 226 11 ) ) PUNCT issue-871 226 12 . . PUNCT issue-871 227 1 european european PROPN issue-871 227 2 central central PROPN issue-871 227 3 bank bank PROPN issue-871 227 4 ( ( PUNCT issue-871 227 5 2020 2020 NUM issue-871 227 6 i i NOUN issue-871 227 7 ) ) PUNCT issue-871 227 8 . . PUNCT issue-871 228 1 statistical statistical ADJ issue-871 228 2 data datum NOUN issue-871 228 3 warehouse warehouse NOUN issue-871 228 4 . . PUNCT issue-871 229 1 money money NOUN issue-871 229 2 , , PUNCT issue-871 229 3 credit credit NOUN issue-871 229 4 and and CCONJ issue-871 229 5 banking banking NOUN issue-871 229 6 . . PUNCT issue-871 230 1 mfi mfi PROPN issue-871 230 2 aggregated aggregate VERB issue-871 230 3 balance balance NOUN issue-871 230 4 sheet sheet NOUN issue-871 230 5 . . PUNCT issue-871 231 1 liabilities liability NOUN issue-871 231 2 . . PUNCT issue-871 232 1 available available ADJ issue-871 232 2 at at ADP issue-871 232 3 : : PUNCT issue-871 232 4 https://sdw.ecb.europa.eu/browse.do?node=9691312/ https://sdw.ecb.europa.eu/browse.do?node=9691312/ NOUN issue-871 232 5 ( ( PUNCT issue-871 232 6 accessed access VERB issue-871 232 7 23 23 NUM issue-871 232 8 july july NOUN issue-871 232 9 2020 2020 NUM issue-871 232 10 ) ) PUNCT issue-871 232 11 . . PUNCT issue-871 233 1 european european PROPN issue-871 233 2 central central PROPN issue-871 233 3 bank bank PROPN issue-871 233 4 ( ( PUNCT issue-871 233 5 2020 2020 NUM issue-871 233 6 j j NOUN issue-871 233 7 ) ) PUNCT issue-871 233 8 . . PUNCT issue-871 234 1 statistical statistical ADJ issue-871 234 2 data datum NOUN issue-871 234 3 warehouse warehouse NOUN issue-871 234 4 . . PUNCT issue-871 235 1 publications publication NOUN issue-871 235 2 reports report VERB issue-871 235 3 money money NOUN issue-871 235 4 , , PUNCT issue-871 235 5 credit credit NOUN issue-871 235 6 and and CCONJ issue-871 235 7 banking banking NOUN issue-871 235 8 . . PUNCT issue-871 236 1 mfi mfi PROPN issue-871 236 2 balance balance NOUN issue-871 236 3 sheets sheet NOUN issue-871 236 4 . . PUNCT issue-871 237 1 euro euro NOUN issue-871 237 2 area area NOUN issue-871 237 3 . . PUNCT issue-871 238 1 available available ADJ issue-871 238 2 at at ADP issue-871 238 3 : : PUNCT issue-871 238 4 https://sdw.ecb.europa.eu/browse.do?node=bbn3154 https://sdw.ecb.europa.eu/browse.do?node=bbn3154 PROPN issue-871 238 5 ( ( PUNCT issue-871 238 6 accessed access VERB issue-871 238 7 23 23 NUM issue-871 238 8 july july NOUN issue-871 238 9 2020 2020 NUM issue-871 238 10 ) ) PUNCT issue-871 238 11 . . PUNCT issue-871 239 1 european european PROPN issue-871 239 2 central central PROPN issue-871 239 3 bank bank PROPN issue-871 239 4 ( ( PUNCT issue-871 239 5 2020 2020 NUM issue-871 239 6 k k NOUN issue-871 239 7 ) ) PUNCT issue-871 239 8 . . PUNCT issue-871 240 1 statistical statistical ADJ issue-871 240 2 data datum NOUN issue-871 240 3 warehouse warehouse NOUN issue-871 240 4 . . PUNCT issue-871 241 1 publications publication NOUN issue-871 241 2 . . PUNCT issue-871 242 1 reports report NOUN issue-871 242 2 . . PUNCT issue-871 243 1 money money NOUN issue-871 243 2 , , PUNCT issue-871 243 3 credit credit NOUN issue-871 243 4 and and CCONJ issue-871 243 5 banking banking NOUN issue-871 243 6 . . PUNCT issue-871 244 1 mfi mfi PROPN issue-871 244 2 balance balance NOUN issue-871 244 3 sheets sheet NOUN issue-871 244 4 . . PUNCT issue-871 245 1 euro euro NOUN issue-871 245 2 area area NOUN issue-871 245 3 . . PUNCT issue-871 246 1 data datum NOUN issue-871 246 2 . . PUNCT issue-871 247 1 available available ADJ issue-871 247 2 at at ADP issue-871 247 3 : : PUNCT issue-871 247 4 https://cutt.ly/ehef2h5 https://cutt.ly/ehef2h5 PROPN issue-871 247 5 ( ( PUNCT issue-871 247 6 accessed access VERB issue-871 247 7 23 23 NUM issue-871 247 8 july july NOUN issue-871 247 9 2020 2020 NUM issue-871 247 10 ) ) PUNCT issue-871 247 11 . . PUNCT issue-871 248 1 european european PROPN issue-871 248 2 central central PROPN issue-871 248 3 bank bank PROPN issue-871 248 4 ( ( PUNCT issue-871 248 5 2020 2020 NUM issue-871 248 6 l l NOUN issue-871 248 7 ) ) PUNCT issue-871 248 8 . . PUNCT issue-871 249 1 statistical statistical ADJ issue-871 249 2 data datum NOUN issue-871 249 3 warehouse warehouse NOUN issue-871 249 4 . . PUNCT issue-871 250 1 supervisory supervisory ADJ issue-871 250 2 and and CCONJ issue-871 250 3 prudential prudential PROPN issue-871 250 4 statistics statistic NOUN issue-871 250 5 macroprudential macroprudential ADJ issue-871 250 6 database database NOUN issue-871 250 7 . . PUNCT issue-871 251 1 bank bank NOUN issue-871 251 2 sector sector NOUN issue-871 251 3 variables variable NOUN issue-871 251 4 . . PUNCT issue-871 252 1 profitability profitability NOUN issue-871 252 2 . . PUNCT issue-871 253 1 available available ADJ issue-871 253 2 at at ADP issue-871 253 3 : : PUNCT issue-871 253 4 https://sdw.ecb.europa.eu/browse.do?node=9689369 https://sdw.ecb.europa.eu/browse.do?node=9689369 PROPN issue-871 253 5 ( ( PUNCT issue-871 253 6 accessed access VERB issue-871 253 7 23 23 NUM issue-871 253 8 july july NOUN issue-871 253 9 2020 2020 NUM issue-871 253 10 ) ) PUNCT issue-871 253 11 . . PUNCT issue-871 254 1 european european PROPN issue-871 254 2 central central PROPN issue-871 254 3 bank bank PROPN issue-871 254 4 ( ( PUNCT issue-871 254 5 2020 2020 NUM issue-871 254 6 m m NOUN issue-871 254 7 ) ) PUNCT issue-871 254 8 . . PUNCT issue-871 255 1 supervisory supervisory ADJ issue-871 255 2 and and CCONJ issue-871 255 3 prudential prudential ADJ issue-871 255 4 statistics statistic NOUN issue-871 255 5 . . PUNCT issue-871 256 1 macroprudential macroprudential ADJ issue-871 256 2 database database NOUN issue-871 256 3 . . PUNCT issue-871 257 1 bank bank NOUN issue-871 257 2 sector sector NOUN issue-871 257 3 variables variable NOUN issue-871 257 4 . . PUNCT issue-871 258 1 banking banking NOUN issue-871 258 2 structure structure NOUN issue-871 258 3 . . PUNCT issue-871 259 1 available available ADJ issue-871 259 2 at at ADP issue-871 259 3 : : PUNCT issue-871 259 4 https://sdw.ecb.europa.eu/browse.do?node=9689367 https://sdw.ecb.europa.eu/browse.do?node=9689367 PROPN issue-871 259 5 ( ( PUNCT issue-871 259 6 accessed access VERB issue-871 259 7 23 23 NUM issue-871 259 8 july july NOUN issue-871 259 9 2020 2020 NUM issue-871 259 10 ) ) PUNCT issue-871 259 11 . . PUNCT issue-871 260 1 european european PROPN issue-871 260 2 commission commission PROPN issue-871 260 3 ( ( PUNCT issue-871 260 4 2019 2019 NUM issue-871 260 5 ) ) PUNCT issue-871 260 6 . . PUNCT issue-871 261 1 non non ADJ issue-871 261 2 - - ADJ issue-871 261 3 performing performing ADJ issue-871 261 4 loans loan NOUN issue-871 261 5 ( ( PUNCT issue-871 261 6 npls npls NOUN issue-871 261 7 ) ) PUNCT issue-871 261 8 . . PUNCT issue-871 262 1 eu eu PROPN issue-871 262 2 and and CCONJ issue-871 262 3 national national ADJ issue-871 262 4 authorities authority NOUN issue-871 262 5 are be AUX issue-871 262 6 joining join VERB issue-871 262 7 forces force NOUN issue-871 262 8 to to PART issue-871 262 9 address address VERB issue-871 262 10 the the DET issue-871 262 11 risks risk NOUN issue-871 262 12 related relate VERB issue-871 262 13 to to ADP issue-871 262 14 high high ADJ issue-871 262 15 stocks stock NOUN issue-871 262 16 of of ADP issue-871 262 17 npls npls NOUN issue-871 262 18 in in ADP issue-871 262 19 europe europe PROPN issue-871 262 20 . . PUNCT issue-871 263 1 available available ADJ issue-871 263 2 at at ADP issue-871 263 3 : : PUNCT issue-871 263 4 https://ec.europa.eu https://ec.europa.eu NOUN issue-871 263 5 / / SYM issue-871 263 6 info info NOUN issue-871 263 7 / / SYM issue-871 263 8 business business NOUN issue-871 263 9 - - PUNCT issue-871 263 10 economyeuro economyeuro NOUN issue-871 263 11 / / SYM issue-871 263 12 banking banking NOUN issue-871 263 13 - - PUNCT issue-871 263 14 and and CCONJ issue-871 263 15 - - PUNCT issue-871 263 16 finance finance NOUN issue-871 263 17 / / SYM issue-871 263 18 financial financial ADJ issue-871 263 19 - - PUNCT issue-871 263 20 supervision supervision NOUN issue-871 263 21 - - PUNCT issue-871 263 22 and and CCONJ issue-871 263 23 - - PUNCT issue-871 263 24 risk risk NOUN issue-871 263 25 - - PUNCT issue-871 263 26 management management NOUN issue-871 263 27 / / SYM issue-871 263 28 managing manage VERB issue-871 263 29 - - PUNCT issue-871 263 30 risks risk NOUN issue-871 263 31 - - PUNCT issue-871 263 32 banks bank NOUN issue-871 263 33 - - PUNCT issue-871 263 34 and and CCONJ issue-871 263 35 - - PUNCT issue-871 263 36 financialinstitutions financialinstitution NOUN issue-871 263 37 / / SYM issue-871 263 38 non non ADJ issue-871 263 39 - - ADJ issue-871 263 40 performing perform VERB issue-871 263 41 - - PUNCT issue-871 263 42 loans loan NOUN issue-871 263 43 - - PUNCT issue-871 263 44 npls_en npls_en PROPN issue-871 263 45 ( ( PUNCT issue-871 263 46 accessed access VERB issue-871 263 47 23 23 NUM issue-871 263 48 july july NOUN issue-871 263 49 2020 2020 NUM issue-871 263 50 ) ) PUNCT issue-871 263 51 . . PUNCT issue-871 264 1 goddard goddard PROPN issue-871 264 2 , , PUNCT issue-871 264 3 j. j. PROPN issue-871 264 4 , , PUNCT issue-871 264 5 molyneux molyneux PROPN issue-871 264 6 , , PUNCT issue-871 264 7 p. p. PROPN issue-871 264 8 , , PUNCT issue-871 264 9 wilson wilson PROPN issue-871 264 10 , , PUNCT issue-871 264 11 j. j. PROPN issue-871 264 12 , , PUNCT issue-871 264 13 & & CCONJ issue-871 264 14 tavakoli tavakoli PROPN issue-871 264 15 , , PUNCT issue-871 264 16 m. m. NOUN issue-871 264 17 ( ( PUNCT issue-871 264 18 2007 2007 NUM issue-871 264 19 ) ) PUNCT issue-871 264 20 . . PUNCT issue-871 265 1 european european ADJ issue-871 265 2 banking banking PROPN issue-871 265 3 : : PUNCT issue-871 265 4 an an DET issue-871 265 5 overview overview NOUN issue-871 265 6 . . PUNCT issue-871 266 1 journal journal NOUN issue-871 266 2 of of ADP issue-871 266 3 banking banking NOUN issue-871 266 4 & & CCONJ issue-871 266 5 finance finance NOUN issue-871 266 6 , , PUNCT issue-871 266 7 vol vol NOUN issue-871 266 8 . . PUNCT issue-871 266 9 31(7 31(7 NUM issue-871 266 10 ) ) PUNCT issue-871 266 11 , , PUNCT issue-871 266 12 pp pp ADP issue-871 266 13 . . PUNCT issue-871 267 1 1911–1935 1911–1935 ADV issue-871 267 2 . . PUNCT issue-871 268 1 moody moody PROPN issue-871 268 2 ’s ’s PART issue-871 268 3 analytics analytic NOUN issue-871 268 4 ( ( PUNCT issue-871 268 5 2020 2020 NUM issue-871 268 6 ) ) PUNCT issue-871 268 7 . . PUNCT issue-871 269 1 eba eba NOUN issue-871 269 2 releases release VERB issue-871 269 3 spring spring NOUN issue-871 269 4 2020 2020 NUM issue-871 269 5 . . PUNCT issue-871 270 1 transparency transparency NOUN issue-871 270 2 exercise exercise NOUN issue-871 270 3 data datum NOUN issue-871 270 4 on on ADP issue-871 270 5 banks bank NOUN issue-871 270 6 in in ADP issue-871 270 7 eu eu PROPN issue-871 270 8 . . PROPN issue-871 270 9 available available ADJ issue-871 270 10 at at ADP issue-871 270 11 : : PUNCT issue-871 270 12 https://www.moodysanalytics.com/regulatory-news/jun-08-20-eba-releases-spring-2020-transparency-exercisedata-on-banks-in-eu https://www.moodysanalytics.com/regulatory-news/jun-08-20-eba-releases-spring-2020-transparency-exercisedata-on-banks-in-eu PROPN issue-871 270 13 ( ( PUNCT issue-871 270 14 accessed access VERB issue-871 270 15 23 23 NUM issue-871 270 16 july july NOUN issue-871 270 17 2020 2020 NUM issue-871 270 18 ) ) PUNCT issue-871 270 19 . . PUNCT issue-871 271 1 myshkin myshkin PROPN issue-871 271 2 , , PUNCT issue-871 271 3 f. f. PROPN issue-871 271 4 ( ( PUNCT issue-871 271 5 2008 2008 NUM issue-871 271 6 ) ) PUNCT issue-871 271 7 . . PUNCT issue-871 272 1 ekonomycheskaya ekonomycheskaya NOUN issue-871 272 2 teoryya teoryya PROPN issue-871 272 3 deneg deneg PROPN issue-871 272 4 , , PUNCT issue-871 272 5 bankovskogo bankovskogo VERB issue-871 272 6 dela dela PROPN issue-871 272 7 i i PRON issue-871 272 8 fynansovyx fynansovyx AUX issue-871 272 9 rynkov rynkov VERB issue-871 272 10 [ [ PUNCT issue-871 272 11 the the DET issue-871 272 12 economic economic ADJ issue-871 272 13 theory theory NOUN issue-871 272 14 of of ADP issue-871 272 15 money money NOUN issue-871 272 16 , , PUNCT issue-871 272 17 banking banking NOUN issue-871 272 18 and and CCONJ issue-871 272 19 financial financial ADJ issue-871 272 20 markets market NOUN issue-871 272 21 ] ] PUNCT issue-871 272 22 . . PUNCT issue-871 273 1 moskva moskva NOUN issue-871 273 2 : : PUNCT issue-871 273 3 ooo ooo INTJ issue-871 273 4 « « PUNCT issue-871 273 5 y.d y.d PROPN issue-871 273 6 . . PROPN issue-871 273 7 vylyams vylyams PROPN issue-871 273 8 » » X issue-871 273 9 . . PUNCT issue-871 274 1 ( ( PUNCT issue-871 274 2 in in ADP issue-871 274 3 russian russian PROPN issue-871 274 4 ) ) PUNCT issue-871 274 5 oesterreichische oesterreichische PROPN issue-871 274 6 nationalbank nationalbank PROPN issue-871 274 7 ( ( PUNCT issue-871 274 8 2020 2020 NUM issue-871 274 9 ) ) PUNCT issue-871 274 10 . . PUNCT issue-871 275 1 consolidated consolidated ADJ issue-871 275 2 balance balance NOUN issue-871 275 3 sheet sheet NOUN issue-871 275 4 of of ADP issue-871 275 5 euro euro PROPN issue-871 275 6 area area NOUN issue-871 275 7 mfis mfis VERB issue-871 275 8 – – PUNCT issue-871 275 9 liabilities liability NOUN issue-871 275 10 . . PUNCT issue-871 276 1 available available ADJ issue-871 276 2 at at ADP issue-871 276 3 : : PUNCT issue-871 276 4 https://www.oenb.at/isaweb/report.do?report=1.4.3 https://www.oenb.at/isaweb/report.do?report=1.4.3 X issue-871 276 5 ( ( PUNCT issue-871 276 6 accessed access VERB issue-871 276 7 23 23 NUM issue-871 276 8 july july NOUN issue-871 276 9 2020 2020 NUM issue-871 276 10 ) ) PUNCT issue-871 276 11 . . PUNCT issue-871 277 1 baltic baltic PROPN issue-871 277 2 journal journal PROPN issue-871 277 3 of of ADP issue-871 277 4 economic economic ADJ issue-871 277 5 studies study NOUN issue-871 277 6 167 167 NUM issue-871 277 7 vol vol NOUN issue-871 277 8 . . PROPN issue-871 278 1 6 6 NUM issue-871 278 2 , , PUNCT issue-871 278 3 no no INTJ issue-871 278 4 . . NOUN issue-871 278 5 4 4 NUM issue-871 278 6 , , PUNCT issue-871 279 1 2020 2020 NUM issue-871 279 2 statistical statistical ADJ issue-871 279 3 data datum NOUN issue-871 279 4 warehouse warehouse NOUN issue-871 279 5 . . PUNCT issue-871 280 1 european european PROPN issue-871 280 2 central central PROPN issue-871 280 3 bank bank PROPN issue-871 280 4 money money NOUN issue-871 280 5 , , PUNCT issue-871 280 6 credit credit NOUN issue-871 280 7 and and CCONJ issue-871 280 8 banking banking NOUN issue-871 280 9 mfi mfi PROPN issue-871 280 10 aggregated aggregate VERB issue-871 280 11 balance balance NOUN issue-871 280 12 sheet sheet NOUN issue-871 280 13 assets asset NOUN issue-871 280 14 . . PUNCT issue-871 281 1 available available ADJ issue-871 281 2 at at ADP issue-871 281 3 : : PUNCT issue-871 281 4 https://sdw.ecb.europa.eu/browse.do?node=9691311 https://sdw.ecb.europa.eu/browse.do?node=9691311 NOUN issue-871 281 5 ( ( PUNCT issue-871 281 6 accessed access VERB issue-871 281 7 23 23 NUM issue-871 281 8 july july NOUN issue-871 281 9 2020 2020 NUM issue-871 281 10 ) ) PUNCT issue-871 281 11 . . PUNCT issue-871 282 1 valverde valverde PROPN issue-871 282 2 , , PUNCT issue-871 282 3 s. s. PROPN issue-871 282 4 , , PUNCT issue-871 282 5 & & CCONJ issue-871 282 6 fernández fernández PROPN issue-871 282 7 , , PUNCT issue-871 282 8 f. f. PROPN issue-871 282 9 ( ( PUNCT issue-871 282 10 2018 2018 NUM issue-871 282 11 ) ) PUNCT issue-871 282 12 . . PUNCT issue-871 283 1 bank bank NOUN issue-871 283 2 profitability profitability NOUN issue-871 283 3 ten ten NUM issue-871 283 4 years year NOUN issue-871 283 5 after after ADP issue-871 283 6 the the DET issue-871 283 7 crisis crisis NOUN issue-871 283 8 : : PUNCT issue-871 283 9 the the DET issue-871 283 10 digital digital ADJ issue-871 283 11 opportunity opportunity NOUN issue-871 283 12 . . PUNCT issue-871 284 1 funcas funcas PROPN issue-871 284 2 sefo sefo NOUN issue-871 284 3 , , PUNCT issue-871 284 4 vol vol NOUN issue-871 284 5 . . PROPN issue-871 284 6 7 7 NUM issue-871 284 7 , , PUNCT issue-871 284 8 no no INTJ issue-871 284 9 . . NOUN issue-871 284 10 2 2 NUM issue-871 284 11 , , PUNCT issue-871 284 12 pp pp ADJ issue-871 284 13 . . PUNCT issue-871 285 1 19–20 19–20 NUM issue-871 285 2 . . PUNCT issue-871 285 3 available available ADJ issue-871 285 4 at at ADP issue-871 285 5 : : PUNCT issue-871 285 6 https://www.sefofuncas.com/pdf/sefo_7-2_art03.pdf https://www.sefofuncas.com/pdf/sefo_7-2_art03.pdf PROPN issue-871 285 7 ( ( PUNCT issue-871 285 8 accessed access VERB issue-871 285 9 23 23 NUM issue-871 285 10 julу julу NOUN issue-871 285 11 2020 2020 NUM issue-871 285 12 ) ) PUNCT issue-871 285 13 . . PUNCT issue-871 286 1 veshkin veshkin PROPN issue-871 286 2 , , PUNCT issue-871 286 3 yu yu PROPN issue-871 286 4 . . PROPN issue-871 286 5 g. g. PROPN issue-871 286 6 , , PUNCT issue-871 286 7 & & CCONJ issue-871 286 8 avagyan avagyan PROPN issue-871 286 9 , , PUNCT issue-871 286 10 g. g. PROPN issue-871 286 11 l. l. PROPN issue-871 286 12 ( ( PUNCT issue-871 286 13 2014 2014 NUM issue-871 286 14 ) ) PUNCT issue-871 286 15 . . PUNCT issue-871 287 1 bankovskaya bankovskaya PROPN issue-871 287 2 systema systema PROPN issue-871 287 3 evrosoyuza evrosoyuza PROPN issue-871 287 4 : : PUNCT issue-871 287 5 shest sh ADJ issue-871 287 6 let let VERB issue-871 287 7 kryzysa kryzysa NOUN issue-871 287 8 [ [ X issue-871 287 9 the the DET issue-871 287 10 banking banking NOUN issue-871 287 11 system system NOUN issue-871 287 12 of of ADP issue-871 287 13 the the DET issue-871 287 14 european european PROPN issue-871 287 15 union union PROPN issue-871 287 16 : : PUNCT issue-871 287 17 six six NUM issue-871 287 18 years year NOUN issue-871 287 19 of of ADP issue-871 287 20 crisis crisis NOUN issue-871 287 21 ] ] PUNCT issue-871 287 22 . . PUNCT issue-871 288 1 krasnodar krasnodar PROPN issue-871 288 2 journal journal PROPN issue-871 288 3 , , PUNCT issue-871 288 4 vol vol NOUN issue-871 288 5 . . PROPN issue-871 288 6 39 39 NUM issue-871 288 7 , , PUNCT issue-871 288 8 no no DET issue-871 288 9 615 615 NUM issue-871 288 10 , , PUNCT issue-871 288 11 pp pp ADV issue-871 288 12 . . PUNCT issue-871 289 1 46–43 46–43 NUM issue-871 289 2 . . PUNCT issue-871 289 3 available available ADJ issue-871 289 4 at at ADP issue-871 289 5 : : PUNCT issue-871 289 6 https://cyberleninka.ru/article/n/bankovskaya-sistema-evrosoyuza-shest-let-krizisa https://cyberleninka.ru/article/n/bankovskaya-sistema-evrosoyuza-shest-let-krizisa NOUN issue-871 289 7 ( ( PUNCT issue-871 289 8 accessed access VERB issue-871 289 9 23 23 NUM issue-871 289 10 julу julу NOUN issue-871 289 11 2020 2020 NUM issue-871 289 12 ) ) PUNCT issue-871 289 13 . . PUNCT issue-871 290 1 european european PROPN issue-871 290 2 central central PROPN issue-871 290 3 bank bank PROPN issue-871 290 4 ( ( PUNCT issue-871 290 5 2020 2020 NUM issue-871 290 6 b b NOUN issue-871 290 7 ) ) PUNCT issue-871 290 8 . . PUNCT issue-871 291 1 estimated estimate VERB issue-871 291 2 mfi mfi PROPN issue-871 291 3 loans loan NOUN issue-871 291 4 to to ADP issue-871 291 5 nfcs nfc NOUN issue-871 291 6 by by ADP issue-871 291 7 economic economic ADJ issue-871 291 8 activity activity NOUN issue-871 291 9 ( ( PUNCT issue-871 291 10 nace nace ADJ issue-871 291 11 ) ) PUNCT issue-871 291 12 . . PUNCT issue-871 292 1 available available ADJ issue-871 292 2 at at ADP issue-871 292 3 : : PUNCT issue-871 292 4 https://cutt.ly/ahefmef https://cutt.ly/ahefmef X issue-871 292 5 ( ( PUNCT issue-871 292 6 accessed access VERB issue-871 292 7 23 23 NUM issue-871 292 8 july july NOUN issue-871 292 9 2020 2020 NUM issue-871 292 10 ) ) PUNCT issue-871 292 11 . . PUNCT issue-871 293 1 european european PROPN issue-871 293 2 central central PROPN issue-871 293 3 bank bank PROPN issue-871 293 4 ( ( PUNCT issue-871 293 5 2020 2020 NUM issue-871 293 6 c c NOUN issue-871 293 7 ) ) PUNCT issue-871 293 8 . . PUNCT issue-871 294 1 financial financial ADJ issue-871 294 2 corporations corporation NOUN issue-871 294 3 . . PUNCT issue-871 295 1 list list NOUN issue-871 295 2 of of ADP issue-871 295 3 financial financial ADJ issue-871 295 4 institutions institution NOUN issue-871 295 5 . . PUNCT issue-871 296 1 available available ADJ issue-871 296 2 at at ADP issue-871 296 3 : : PUNCT issue-871 296 4 https://cutt.ly/ehef https://cutt.ly/ehef X issue-871 296 5 b58 b58 NOUN issue-871 296 6 ( ( PUNCT issue-871 296 7 accessed access VERB issue-871 296 8 23 23 NUM issue-871 296 9 july july NOUN issue-871 296 10 2020 2020 NUM issue-871 296 11 ) ) PUNCT issue-871 296 12 . . PUNCT issue-871 297 1 european european PROPN issue-871 297 2 central central PROPN issue-871 297 3 bank bank PROPN issue-871 297 4 ( ( PUNCT issue-871 297 5 2020 2020 NUM issue-871 297 6 d d NOUN issue-871 297 7 ) ) PUNCT issue-871 297 8 . . PUNCT issue-871 298 1 statistical statistical ADJ issue-871 298 2 data datum NOUN issue-871 298 3 warehouse warehouse NOUN issue-871 298 4 . . PUNCT issue-871 299 1 mfi mfi PROPN issue-871 299 2 balance balance NOUN issue-871 299 3 sheets sheet NOUN issue-871 299 4 euro euro NOUN issue-871 299 5 area area NOUN issue-871 299 6 lending lending NOUN issue-871 299 7 , , PUNCT issue-871 299 8 households household NOUN issue-871 299 9 and and CCONJ issue-871 299 10 non non ADJ issue-871 299 11 - - ADJ issue-871 299 12 profit profit ADJ issue-871 299 13 institutions institution NOUN issue-871 299 14 serving serve VERB issue-871 299 15 households household NOUN issue-871 299 16 . . PUNCT issue-871 300 1 available available ADJ issue-871 300 2 at at ADP issue-871 300 3 : : PUNCT issue-871 300 4 https://cutt.ly/ahefczf https://cutt.ly/ahefczf X issue-871 300 5 ( ( PUNCT issue-871 300 6 accessed access VERB issue-871 300 7 23 23 NUM issue-871 300 8 july july NOUN issue-871 300 9 2020 2020 NUM issue-871 300 10 ) ) PUNCT issue-871 300 11 . . PUNCT issue-871 301 1 european european PROPN issue-871 301 2 central central PROPN issue-871 301 3 bank bank PROPN issue-871 301 4 ( ( PUNCT issue-871 301 5 2020 2020 NUM issue-871 301 6 e e NOUN issue-871 301 7 ) ) PUNCT issue-871 301 8 . . PUNCT issue-871 302 1 statistical statistical ADJ issue-871 302 2 data datum NOUN issue-871 302 3 warehouse warehouse NOUN issue-871 302 4 . . PUNCT issue-871 303 1 money money NOUN issue-871 303 2 , , PUNCT issue-871 303 3 credit credit NOUN issue-871 303 4 and and CCONJ issue-871 303 5 banking banking NOUN issue-871 303 6 . . PUNCT issue-871 304 1 credit credit NOUN issue-871 304 2 institutions institution NOUN issue-871 304 3 and and CCONJ issue-871 304 4 money money NOUN issue-871 304 5 market market NOUN issue-871 304 6 funds fund NOUN issue-871 304 7 . . PUNCT issue-871 305 1 credit credit NOUN issue-871 305 2 institutions institution NOUN issue-871 305 3 . . PUNCT issue-871 306 1 assets asset NOUN issue-871 306 2 . . PUNCT issue-871 306 3 available available ADJ issue-871 306 4 at at ADP issue-871 306 5 : : PUNCT issue-871 306 6 https://sdw.ecb.europa.eu/browse.do?node= https://sdw.ecb.europa.eu/browse.do?node= PROPN issue-871 306 7 9691315 9691315 NUM issue-871 306 8 ( ( PUNCT issue-871 306 9 accessed access VERB issue-871 306 10 23 23 NUM issue-871 306 11 july july NOUN issue-871 306 12 2020 2020 NUM issue-871 306 13 ) ) PUNCT issue-871 306 14 european european PROPN issue-871 306 15 central central PROPN issue-871 306 16 bank bank PROPN issue-871 306 17 ( ( PUNCT issue-871 306 18 2020 2020 NUM issue-871 306 19 f f NOUN issue-871 306 20 ) ) PUNCT issue-871 306 21 . . PUNCT issue-871 307 1 statistical statistical ADJ issue-871 307 2 data datum NOUN issue-871 307 3 warehouse warehouse NOUN issue-871 307 4 . . PUNCT issue-871 308 1 money money NOUN issue-871 308 2 , , PUNCT issue-871 308 3 credit credit NOUN issue-871 308 4 and and CCONJ issue-871 308 5 banking banking NOUN issue-871 308 6 . . PUNCT issue-871 309 1 estimated estimate VERB issue-871 309 2 mfi mfi PROPN issue-871 309 3 loans loan NOUN issue-871 309 4 to to ADP issue-871 309 5 nfcs nfc NOUN issue-871 309 6 by by ADP issue-871 309 7 economic economic ADJ issue-871 309 8 activity activity NOUN issue-871 309 9 ( ( PUNCT issue-871 309 10 nace nace ADJ issue-871 309 11 ) ) PUNCT issue-871 309 12 . . PUNCT issue-871 310 1 available available ADJ issue-871 310 2 at at ADP issue-871 310 3 : : PUNCT issue-871 310 4 https://cutt.ly/whef https://cutt.ly/whef PUNCT issue-871 310 5 zil zil PROPN issue-871 310 6 ( ( PUNCT issue-871 310 7 accessed access VERB issue-871 310 8 23 23 NUM issue-871 310 9 july july NOUN issue-871 310 10 2020 2020 NUM issue-871 310 11 ) ) PUNCT issue-871 310 12 . . PUNCT issue-871 311 1 european european PROPN issue-871 311 2 central central PROPN issue-871 311 3 bank bank PROPN issue-871 311 4 ( ( PUNCT issue-871 311 5 2020 2020 NUM issue-871 311 6 g g NOUN issue-871 311 7 ) ) PUNCT issue-871 311 8 . . PUNCT issue-871 312 1 statistical statistical ADJ issue-871 312 2 data datum NOUN issue-871 312 3 warehouse warehouse NOUN issue-871 312 4 . . PUNCT issue-871 313 1 money money NOUN issue-871 313 2 , , PUNCT issue-871 313 3 credit credit NOUN issue-871 313 4 and and CCONJ issue-871 313 5 banking banking NOUN issue-871 313 6 . . PUNCT issue-871 314 1 mfi mfi PROPN issue-871 314 2 aggregated aggregate VERB issue-871 314 3 balance balance NOUN issue-871 314 4 sheet sheet NOUN issue-871 314 5 . . PUNCT issue-871 315 1 assets asset NOUN issue-871 315 2 . . PUNCT issue-871 315 3 available available ADJ issue-871 315 4 at at ADP issue-871 315 5 : : PUNCT issue-871 315 6 https://sdw.ecb.europa.eu/browse.do?node=9691311 https://sdw.ecb.europa.eu/browse.do?node=9691311 NOUN issue-871 315 7 ( ( PUNCT issue-871 315 8 accessed access VERB issue-871 315 9 23 23 NUM issue-871 315 10 july july NOUN issue-871 315 11 2020 2020 NUM issue-871 315 12 ) ) PUNCT issue-871 315 13 . . PUNCT issue-871 316 1 european european PROPN issue-871 316 2 central central PROPN issue-871 316 3 bank bank PROPN issue-871 316 4 ( ( PUNCT issue-871 316 5 2020 2020 NUM issue-871 316 6 h h NOUN issue-871 316 7 ) ) PUNCT issue-871 316 8 . . PUNCT issue-871 317 1 statistical statistical ADJ issue-871 317 2 data datum NOUN issue-871 317 3 warehouse warehouse NOUN issue-871 317 4 . . PUNCT issue-871 318 1 money money NOUN issue-871 318 2 , , PUNCT issue-871 318 3 credit credit NOUN issue-871 318 4 and and CCONJ issue-871 318 5 banking banking NOUN issue-871 318 6 . . PUNCT issue-871 319 1 mfi mfi PROPN issue-871 319 2 balance balance NOUN issue-871 319 3 sheets sheet NOUN issue-871 319 4 . . PUNCT issue-871 320 1 euro euro NOUN issue-871 320 2 area area NOUN issue-871 320 3 . . PUNCT issue-871 321 1 loans loan NOUN issue-871 321 2 by by ADP issue-871 321 3 sector sector NOUN issue-871 321 4 . . PUNCT issue-871 322 1 available available ADJ issue-871 322 2 at at ADP issue-871 322 3 : : PUNCT issue-871 322 4 https://cutt.ly/dhef https://cutt.ly/dhef PUNCT issue-871 322 5 drd drd PROPN issue-871 322 6 ( ( PUNCT issue-871 322 7 accessed access VERB issue-871 322 8 23 23 NUM issue-871 322 9 july july NOUN issue-871 322 10 2020 2020 NUM issue-871 322 11 ) ) PUNCT issue-871 322 12 . . PUNCT issue-871 323 1 european european PROPN issue-871 323 2 central central PROPN issue-871 323 3 bank bank PROPN issue-871 323 4 ( ( PUNCT issue-871 323 5 2020 2020 NUM issue-871 323 6 i i NOUN issue-871 323 7 ) ) PUNCT issue-871 323 8 . . PUNCT issue-871 324 1 statistical statistical ADJ issue-871 324 2 data datum NOUN issue-871 324 3 warehouse warehouse NOUN issue-871 324 4 . . PUNCT issue-871 325 1 money money NOUN issue-871 325 2 , , PUNCT issue-871 325 3 credit credit NOUN issue-871 325 4 and and CCONJ issue-871 325 5 banking banking NOUN issue-871 325 6 . . PUNCT issue-871 326 1 mfi mfi PROPN issue-871 326 2 aggregated aggregate VERB issue-871 326 3 balance balance NOUN issue-871 326 4 sheet sheet NOUN issue-871 326 5 . . PUNCT issue-871 327 1 liabilities liability NOUN issue-871 327 2 . . PUNCT issue-871 328 1 available available ADJ issue-871 328 2 at at ADP issue-871 328 3 : : PUNCT issue-871 328 4 https://sdw.ecb.europa.eu/browse.do?node=9691312/ https://sdw.ecb.europa.eu/browse.do?node=9691312/ NOUN issue-871 328 5 ( ( PUNCT issue-871 328 6 accessed access VERB issue-871 328 7 23 23 NUM issue-871 328 8 july july NOUN issue-871 328 9 2020 2020 NUM issue-871 328 10 ) ) PUNCT issue-871 328 11 . . PUNCT issue-871 329 1 european european PROPN issue-871 329 2 central central PROPN issue-871 329 3 bank bank PROPN issue-871 329 4 ( ( PUNCT issue-871 329 5 2020 2020 NUM issue-871 329 6 j j NOUN issue-871 329 7 ) ) PUNCT issue-871 329 8 . . PUNCT issue-871 330 1 statistical statistical ADJ issue-871 330 2 data datum NOUN issue-871 330 3 warehouse warehouse NOUN issue-871 330 4 . . PUNCT issue-871 331 1 publications publication NOUN issue-871 331 2 reports report VERB issue-871 331 3 money money NOUN issue-871 331 4 , , PUNCT issue-871 331 5 credit credit NOUN issue-871 331 6 and and CCONJ issue-871 331 7 banking banking NOUN issue-871 331 8 . . PUNCT issue-871 332 1 mfi mfi PROPN issue-871 332 2 balance balance NOUN issue-871 332 3 sheets sheet NOUN issue-871 332 4 . . PUNCT issue-871 333 1 euro euro NOUN issue-871 333 2 area area NOUN issue-871 333 3 . . PUNCT issue-871 334 1 available available ADJ issue-871 334 2 at at ADP issue-871 334 3 : : PUNCT issue-871 334 4 https://sdw.ecb.europa.eu/browse.do?node=bbn3154 https://sdw.ecb.europa.eu/browse.do?node=bbn3154 PROPN issue-871 334 5 ( ( PUNCT issue-871 334 6 accessed access VERB issue-871 334 7 23 23 NUM issue-871 334 8 july july NOUN issue-871 334 9 2020 2020 NUM issue-871 334 10 ) ) PUNCT issue-871 334 11 . . PUNCT issue-871 335 1 european european PROPN issue-871 335 2 central central PROPN issue-871 335 3 bank bank PROPN issue-871 335 4 ( ( PUNCT issue-871 335 5 2020 2020 NUM issue-871 335 6 k k NOUN issue-871 335 7 ) ) PUNCT issue-871 335 8 . . PUNCT issue-871 336 1 statistical statistical ADJ issue-871 336 2 data datum NOUN issue-871 336 3 warehouse warehouse NOUN issue-871 336 4 . . PUNCT issue-871 337 1 publications publication NOUN issue-871 337 2 . . PUNCT issue-871 338 1 reports report NOUN issue-871 338 2 . . PUNCT issue-871 339 1 money money NOUN issue-871 339 2 , , PUNCT issue-871 339 3 credit credit NOUN issue-871 339 4 and and CCONJ issue-871 339 5 banking banking NOUN issue-871 339 6 . . PUNCT issue-871 340 1 mfi mfi PROPN issue-871 340 2 balance balance NOUN issue-871 340 3 sheets sheet NOUN issue-871 340 4 . . PUNCT issue-871 341 1 euro euro NOUN issue-871 341 2 area area NOUN issue-871 341 3 . . PUNCT issue-871 342 1 data datum NOUN issue-871 342 2 . . PUNCT issue-871 343 1 available available ADJ issue-871 343 2 at at ADP issue-871 343 3 : : PUNCT issue-871 343 4 https://cutt.ly/khefp4 https://cutt.ly/khefp4 PROPN issue-871 343 5 t t NOUN issue-871 343 6 ( ( PUNCT issue-871 343 7 accessed access VERB issue-871 343 8 23 23 NUM issue-871 343 9 july july NOUN issue-871 343 10 2020 2020 NUM issue-871 343 11 ) ) PUNCT issue-871 343 12 . . PUNCT issue-871 344 1 european european PROPN issue-871 344 2 central central PROPN issue-871 344 3 bank bank PROPN issue-871 344 4 ( ( PUNCT issue-871 344 5 2020 2020 NUM issue-871 344 6 l l NOUN issue-871 344 7 ) ) PUNCT issue-871 344 8 . . PUNCT issue-871 345 1 statistical statistical ADJ issue-871 345 2 data datum NOUN issue-871 345 3 warehouse warehouse NOUN issue-871 345 4 . . PUNCT issue-871 346 1 supervisory supervisory ADJ issue-871 346 2 and and CCONJ issue-871 346 3 prudential prudential PROPN issue-871 346 4 statistics statistic NOUN issue-871 346 5 macroprudential macroprudential ADJ issue-871 346 6 database database NOUN issue-871 346 7 . . PUNCT issue-871 347 1 bank bank NOUN issue-871 347 2 sector sector NOUN issue-871 347 3 variables variable NOUN issue-871 347 4 . . PUNCT issue-871 348 1 profitability profitability NOUN issue-871 348 2 . . PUNCT issue-871 349 1 available available ADJ issue-871 349 2 at at ADP issue-871 349 3 : : PUNCT issue-871 349 4 https://sdw.ecb.europa.eu/browse https://sdw.ecb.europa.eu/browse PROPN issue-871 349 5 . . PUNCT issue-871 350 1 do?node=9689369 do?node=9689369 PROPN issue-871 350 2 ( ( PUNCT issue-871 350 3 accessed access VERB issue-871 350 4 23 23 NUM issue-871 350 5 july july NOUN issue-871 350 6 2020 2020 NUM issue-871 350 7 ) ) PUNCT issue-871 350 8 european european PROPN issue-871 350 9 central central PROPN issue-871 350 10 bank bank PROPN issue-871 350 11 ( ( PUNCT issue-871 350 12 2020 2020 NUM issue-871 350 13 m m NOUN issue-871 350 14 ) ) PUNCT issue-871 350 15 . . PUNCT issue-871 351 1 supervisory supervisory ADJ issue-871 351 2 and and CCONJ issue-871 351 3 prudential prudential ADJ issue-871 351 4 statistics statistic NOUN issue-871 351 5 . . PUNCT issue-871 352 1 macroprudential macroprudential ADJ issue-871 352 2 database database NOUN issue-871 352 3 . . PUNCT issue-871 353 1 bank bank NOUN issue-871 353 2 sector sector NOUN issue-871 353 3 variables variable NOUN issue-871 353 4 . . PUNCT issue-871 354 1 banking banking NOUN issue-871 354 2 structure structure NOUN issue-871 354 3 . . PUNCT issue-871 355 1 available available ADJ issue-871 355 2 at at ADP issue-871 355 3 : : PUNCT issue-871 355 4 https://sdw.ecb.europa.eu/browse.do?node=9689367 https://sdw.ecb.europa.eu/browse.do?node=9689367 PROPN issue-871 355 5 ( ( PUNCT issue-871 355 6 accessed access VERB issue-871 355 7 23 23 NUM issue-871 355 8 july july NOUN issue-871 355 9 2020 2020 NUM issue-871 355 10 ) ) PUNCT issue-871 355 11 . . PUNCT issue-871 356 1 european european PROPN issue-871 356 2 commission commission PROPN issue-871 356 3 ( ( PUNCT issue-871 356 4 2019 2019 NUM issue-871 356 5 ) ) PUNCT issue-871 356 6 . . PUNCT issue-871 357 1 non non ADJ issue-871 357 2 - - ADJ issue-871 357 3 performing performing ADJ issue-871 357 4 loans loan NOUN issue-871 357 5 ( ( PUNCT issue-871 357 6 npls npls NOUN issue-871 357 7 ) ) PUNCT issue-871 357 8 . . PUNCT issue-871 358 1 eu eu PROPN issue-871 358 2 and and CCONJ issue-871 358 3 national national ADJ issue-871 358 4 authorities authority NOUN issue-871 358 5 are be AUX issue-871 358 6 joining join VERB issue-871 358 7 forces force NOUN issue-871 358 8 to to PART issue-871 358 9 address address VERB issue-871 358 10 the the DET issue-871 358 11 risks risk NOUN issue-871 358 12 related relate VERB issue-871 358 13 to to ADP issue-871 358 14 high high ADJ issue-871 358 15 stocks stock NOUN issue-871 358 16 of of ADP issue-871 358 17 npls npls NOUN issue-871 358 18 in in ADP issue-871 358 19 europe europe PROPN issue-871 358 20 . . PUNCT issue-871 359 1 available available ADJ issue-871 359 2 at at ADP issue-871 359 3 : : PUNCT issue-871 359 4 https://ec.europa.eu/info/businesseconomy-euro/banking-and-finance/financial-supervision-and-risk-management/managing-risks-banks-andfinancial-institutions/non-performing-loans-npls_en https://ec.europa.eu/info/businesseconomy-euro/banking-and-finance/financial-supervision-and-risk-management/managing-risks-banks-andfinancial-institutions/non-performing-loans-npls_en X issue-871 359 5 ( ( PUNCT issue-871 359 6 accessed access VERB issue-871 359 7 23 23 NUM issue-871 359 8 july july NOUN issue-871 359 9 2020 2020 NUM issue-871 359 10 ) ) PUNCT issue-871 359 11 . . PUNCT issue-871 360 1 goddard goddard PROPN issue-871 360 2 , , PUNCT issue-871 360 3 j. j. PROPN issue-871 360 4 , , PUNCT issue-871 360 5 molyneux molyneux PROPN issue-871 360 6 , , PUNCT issue-871 360 7 p. p. PROPN issue-871 360 8 , , PUNCT issue-871 360 9 wilson wilson PROPN issue-871 360 10 , , PUNCT issue-871 360 11 j. j. PROPN issue-871 360 12 , , PUNCT issue-871 360 13 & & CCONJ issue-871 360 14 tavakoli tavakoli PROPN issue-871 360 15 , , PUNCT issue-871 360 16 m. m. NOUN issue-871 360 17 ( ( PUNCT issue-871 360 18 2007 2007 NUM issue-871 360 19 ) ) PUNCT issue-871 360 20 . . PUNCT issue-871 361 1 european european ADJ issue-871 361 2 banking banking PROPN issue-871 361 3 : : PUNCT issue-871 361 4 an an DET issue-871 361 5 overview overview NOUN issue-871 361 6 . . PUNCT issue-871 362 1 journal journal NOUN issue-871 362 2 of of ADP issue-871 362 3 banking banking NOUN issue-871 362 4 & & CCONJ issue-871 362 5 finance finance NOUN issue-871 362 6 , , PUNCT issue-871 362 7 vol vol NOUN issue-871 362 8 . . PUNCT issue-871 362 9 31(7 31(7 NUM issue-871 362 10 ) ) PUNCT issue-871 362 11 , , PUNCT issue-871 362 12 pp pp ADP issue-871 362 13 . . PUNCT issue-871 363 1 1911–1935 1911–1935 ADV issue-871 363 2 . . PUNCT issue-871 364 1 moody moody PROPN issue-871 364 2 ’s ’s PART issue-871 364 3 analytics analytic NOUN issue-871 364 4 ( ( PUNCT issue-871 364 5 2020 2020 NUM issue-871 364 6 ) ) PUNCT issue-871 364 7 . . PUNCT issue-871 365 1 eba eba NOUN issue-871 365 2 releases release VERB issue-871 365 3 spring spring NOUN issue-871 365 4 2020 2020 NUM issue-871 365 5 . . PUNCT issue-871 366 1 transparency transparency NOUN issue-871 366 2 exercise exercise NOUN issue-871 366 3 data datum NOUN issue-871 366 4 on on ADP issue-871 366 5 banks bank NOUN issue-871 366 6 in in ADP issue-871 366 7 eu eu PROPN issue-871 366 8 . . PROPN issue-871 366 9 available available ADJ issue-871 366 10 at at ADP issue-871 366 11 : : PUNCT issue-871 366 12 https://www.moodysanalytics.com/regulatory-news/jun-08-20-eba-releases-spring-2020-transparency-exercisedata-on-banks-in-eu https://www.moodysanalytics.com/regulatory-news/jun-08-20-eba-releases-spring-2020-transparency-exercisedata-on-banks-in-eu PROPN issue-871 366 13 ( ( PUNCT issue-871 366 14 accessed access VERB issue-871 366 15 23 23 NUM issue-871 366 16 july july NOUN issue-871 366 17 2020 2020 NUM issue-871 366 18 ) ) PUNCT issue-871 366 19 . . PUNCT issue-871 367 1 myshkin myshkin PROPN issue-871 367 2 , , PUNCT issue-871 367 3 f. f. PROPN issue-871 367 4 ( ( PUNCT issue-871 367 5 2008 2008 NUM issue-871 367 6 ) ) PUNCT issue-871 367 7 . . PUNCT issue-871 368 1 ekonomycheskaya ekonomycheskaya NOUN issue-871 368 2 teoryya teoryya PROPN issue-871 368 3 deneg deneg PROPN issue-871 368 4 , , PUNCT issue-871 368 5 bankovskogo bankovskogo VERB issue-871 368 6 dela dela PROPN issue-871 368 7 i i PRON issue-871 368 8 fynansovyx fynansovyx AUX issue-871 368 9 rynkov rynkov VERB issue-871 368 10 [ [ PUNCT issue-871 368 11 the the DET issue-871 368 12 economic economic ADJ issue-871 368 13 theory theory NOUN issue-871 368 14 of of ADP issue-871 368 15 money money NOUN issue-871 368 16 , , PUNCT issue-871 368 17 banking banking NOUN issue-871 368 18 and and CCONJ issue-871 368 19 financial financial ADJ issue-871 368 20 markets market NOUN issue-871 368 21 ] ] PUNCT issue-871 368 22 . . PUNCT issue-871 369 1 moskva moskva NOUN issue-871 369 2 : : PUNCT issue-871 369 3 ooo ooo INTJ issue-871 369 4 « « PUNCT issue-871 369 5 y.d y.d PROPN issue-871 369 6 . . PROPN issue-871 369 7 vylyams vylyams PROPN issue-871 369 8 » » X issue-871 369 9 . . PUNCT issue-871 370 1 ( ( PUNCT issue-871 370 2 in in ADP issue-871 370 3 russian russian PROPN issue-871 370 4 ) ) PUNCT issue-871 370 5 oesterreichische oesterreichische PROPN issue-871 370 6 nationalbank nationalbank PROPN issue-871 370 7 ( ( PUNCT issue-871 370 8 2020 2020 NUM issue-871 370 9 ) ) PUNCT issue-871 370 10 . . PUNCT issue-871 371 1 consolidated consolidated ADJ issue-871 371 2 balance balance NOUN issue-871 371 3 sheet sheet NOUN issue-871 371 4 of of ADP issue-871 371 5 euro euro PROPN issue-871 371 6 area area NOUN issue-871 371 7 mfis mfis VERB issue-871 371 8 – – PUNCT issue-871 371 9 liabilities liability NOUN issue-871 371 10 . . PUNCT issue-871 372 1 available available ADJ issue-871 372 2 at at ADP issue-871 372 3 : : PUNCT issue-871 372 4 https://www.oenb.at/isaweb/report.do?report=1.4.3 https://www.oenb.at/isaweb/report.do?report=1.4.3 X issue-871 372 5 ( ( PUNCT issue-871 372 6 accessed access VERB issue-871 372 7 23 23 NUM issue-871 372 8 july july NOUN issue-871 372 9 2020 2020 NUM issue-871 372 10 ) ) PUNCT issue-871 372 11 . . PUNCT issue-871 373 1 statistical statistical ADJ issue-871 373 2 data datum NOUN issue-871 373 3 warehouse warehouse NOUN issue-871 373 4 . . PUNCT issue-871 374 1 european european PROPN issue-871 374 2 central central PROPN issue-871 374 3 bank bank PROPN issue-871 374 4 money money NOUN issue-871 374 5 , , PUNCT issue-871 374 6 credit credit NOUN issue-871 374 7 and and CCONJ issue-871 374 8 banking banking NOUN issue-871 374 9 mfi mfi PROPN issue-871 374 10 aggregated aggregate VERB issue-871 374 11 balance balance NOUN issue-871 374 12 sheet sheet NOUN issue-871 374 13 assets asset NOUN issue-871 374 14 . . PUNCT issue-871 375 1 available available ADJ issue-871 375 2 at at ADP issue-871 375 3 : : PUNCT issue-871 375 4 https://sdw.ecb.europa.eu/browse.do?node=9691311 https://sdw.ecb.europa.eu/browse.do?node=9691311 NOUN issue-871 375 5 ( ( PUNCT issue-871 375 6 accessed access VERB issue-871 375 7 23 23 NUM issue-871 375 8 july july NOUN issue-871 375 9 2020 2020 NUM issue-871 375 10 ) ) PUNCT issue-871 375 11 . . PUNCT issue-871 376 1 valverde valverde PROPN issue-871 376 2 , , PUNCT issue-871 376 3 s. s. PROPN issue-871 376 4 , , PUNCT issue-871 376 5 & & CCONJ issue-871 376 6 fernández fernández PROPN issue-871 376 7 , , PUNCT issue-871 376 8 f. f. PROPN issue-871 376 9 ( ( PUNCT issue-871 376 10 2018 2018 NUM issue-871 376 11 ) ) PUNCT issue-871 376 12 . . PUNCT issue-871 377 1 bank bank NOUN issue-871 377 2 profitability profitability NOUN issue-871 377 3 ten ten NUM issue-871 377 4 years year NOUN issue-871 377 5 after after ADP issue-871 377 6 the the DET issue-871 377 7 crisis crisis NOUN issue-871 377 8 : : PUNCT issue-871 377 9 the the DET issue-871 377 10 digital digital ADJ issue-871 377 11 opportunity opportunity NOUN issue-871 377 12 . . PUNCT issue-871 378 1 funcas funcas PROPN issue-871 378 2 sefo sefo NOUN issue-871 378 3 , , PUNCT issue-871 378 4 vol vol NOUN issue-871 378 5 . . PROPN issue-871 378 6 7 7 NUM issue-871 378 7 , , PUNCT issue-871 378 8 no no INTJ issue-871 378 9 . . NOUN issue-871 378 10 2 2 NUM issue-871 378 11 , , PUNCT issue-871 378 12 pp pp ADJ issue-871 378 13 . . PUNCT issue-871 379 1 19–20 19–20 NUM issue-871 379 2 . . PUNCT issue-871 379 3 available available ADJ issue-871 379 4 at at ADP issue-871 379 5 : : PUNCT issue-871 379 6 https://www.sefofuncas.com/pdf/sefo_7-2_art03.pdf https://www.sefofuncas.com/pdf/sefo_7-2_art03.pdf PROPN issue-871 379 7 ( ( PUNCT issue-871 379 8 accessed access VERB issue-871 379 9 23 23 NUM issue-871 379 10 julу julу NOUN issue-871 379 11 2020 2020 NUM issue-871 379 12 ) ) PUNCT issue-871 379 13 . . PUNCT issue-871 380 1 veshkin veshkin PROPN issue-871 380 2 , , PUNCT issue-871 380 3 yu yu PROPN issue-871 380 4 . . PROPN issue-871 380 5 g. g. PROPN issue-871 380 6 , , PUNCT issue-871 380 7 & & CCONJ issue-871 380 8 avagyan avagyan PROPN issue-871 380 9 , , PUNCT issue-871 380 10 g. g. PROPN issue-871 380 11 l. l. PROPN issue-871 380 12 ( ( PUNCT issue-871 380 13 2014 2014 NUM issue-871 380 14 ) ) PUNCT issue-871 380 15 . . PUNCT issue-871 381 1 bankovskaya bankovskaya PROPN issue-871 381 2 systema systema PROPN issue-871 381 3 evrosoyuza evrosoyuza PROPN issue-871 381 4 : : PUNCT issue-871 381 5 shest sh ADJ issue-871 381 6 let let VERB issue-871 381 7 kryzysa kryzysa NOUN issue-871 381 8 [ [ X issue-871 381 9 the the DET issue-871 381 10 banking banking NOUN issue-871 381 11 system system NOUN issue-871 381 12 of of ADP issue-871 381 13 the the DET issue-871 381 14 european european PROPN issue-871 381 15 union union PROPN issue-871 381 16 : : PUNCT issue-871 381 17 six six NUM issue-871 381 18 years year NOUN issue-871 381 19 of of ADP issue-871 381 20 crisis crisis NOUN issue-871 381 21 ] ] PUNCT issue-871 381 22 . . PUNCT issue-871 382 1 krasnodar krasnodar PROPN issue-871 382 2 journal journal PROPN issue-871 382 3 , , PUNCT issue-871 382 4 vol vol NOUN issue-871 382 5 . . PROPN issue-871 382 6 39 39 NUM issue-871 382 7 , , PUNCT issue-871 382 8 no no INTJ issue-871 382 9 . . NOUN issue-871 382 10 615 615 NUM issue-871 382 11 , , PUNCT issue-871 382 12 pp pp ADV issue-871 382 13 . . PUNCT issue-871 383 1 46–43 46–43 NUM issue-871 383 2 . . PUNCT issue-871 383 3 available available ADJ issue-871 383 4 at at ADP issue-871 383 5 : : PUNCT issue-871 383 6 https://cyberleninka.ru/article/n/bankovskaya-sistema-evrosoyuza-shest-let-krizisa https://cyberleninka.ru/article/n/bankovskaya-sistema-evrosoyuza-shest-let-krizisa NOUN issue-871 383 7 ( ( PUNCT issue-871 383 8 accessed access VERB issue-871 383 9 23 23 NUM issue-871 383 10 julу julу NOUN issue-871 383 11 2020 2020 NUM issue-871 383 12 ) ) PUNCT issue-871 383 13 . . PUNCT issue-871 384 1 ( ( PUNCT issue-871 384 2 in in ADP issue-871 384 3 russian russian NOUN issue-871 384 4 ) ) PUNCT