id sid tid token lemma pos issue-9 1 1 baltic baltic PROPN issue-9 1 2 journal journal PROPN issue-9 1 3 of of ADP issue-9 1 4 economic economic ADJ issue-9 1 5 studies study NOUN issue-9 1 6 42 42 NUM issue-9 1 7 vol vol NOUN issue-9 1 8 . . PROPN issue-9 1 9 1 1 NUM issue-9 1 10 , , PUNCT issue-9 1 11 2015 2015 NUM issue-9 1 12 role role NOUN issue-9 1 13 of of ADP issue-9 1 14 deposit deposit NOUN issue-9 1 15 policy policy NOUN issue-9 1 16 for for ADP issue-9 1 17 ukrainian ukrainian ADJ issue-9 1 18 banking banking NOUN issue-9 1 19 institutions institution NOUN issue-9 1 20 nadezhda nadezhda NOUN issue-9 1 21 bova1 bova1 PROPN issue-9 1 22 , , PUNCT issue-9 1 23 taras taras PROPN issue-9 1 24 shevchenko shevchenko PROPN issue-9 1 25 national national PROPN issue-9 1 26 university university PROPN issue-9 1 27 of of ADP issue-9 1 28 kiev kiev PROPN issue-9 1 29 , , PUNCT issue-9 1 30 ukraine ukraine PROPN issue-9 1 31 abstract abstract NOUN issue-9 1 32 . . PUNCT issue-9 2 1 the the DET issue-9 2 2 purpose purpose NOUN issue-9 2 3 of of ADP issue-9 2 4 the the DET issue-9 2 5 paper paper NOUN issue-9 2 6 is be AUX issue-9 2 7 to to PART issue-9 2 8 define define VERB issue-9 2 9 and and CCONJ issue-9 2 10 demonstrate demonstrate VERB issue-9 2 11 the the DET issue-9 2 12 role role NOUN issue-9 2 13 of of ADP issue-9 2 14 deposit deposit NOUN issue-9 2 15 policy policy NOUN issue-9 2 16 for for ADP issue-9 2 17 banking banking NOUN issue-9 2 18 institutions institution NOUN issue-9 2 19 , , PUNCT issue-9 2 20 summarize summarize VERB issue-9 2 21 and and CCONJ issue-9 2 22 highlight highlight VERB issue-9 2 23 the the DET issue-9 2 24 problems problem NOUN issue-9 2 25 and and CCONJ issue-9 2 26 its its PRON issue-9 2 27 solutions solution NOUN issue-9 2 28 in in ADP issue-9 2 29 deposit deposit NOUN issue-9 2 30 policy policy NOUN issue-9 2 31 of of ADP issue-9 2 32 ukraine ukraine NOUN issue-9 2 33 that that PRON issue-9 2 34 provides provide VERB issue-9 2 35 economic economic ADJ issue-9 2 36 downturn downturn NOUN issue-9 2 37 and and CCONJ issue-9 2 38 recovery recovery NOUN issue-9 2 39 . . PUNCT issue-9 3 1 appropriate appropriate ADJ issue-9 3 2 selection selection NOUN issue-9 3 3 and and CCONJ issue-9 3 4 implementation implementation NOUN issue-9 3 5 of of ADP issue-9 3 6 the the DET issue-9 3 7 deposit deposit NOUN issue-9 3 8 policy policy NOUN issue-9 3 9 objectives objective NOUN issue-9 3 10 , , PUNCT issue-9 3 11 its its PRON issue-9 3 12 operational operational ADJ issue-9 3 13 structure structure NOUN issue-9 3 14 and and CCONJ issue-9 3 15 tools tool NOUN issue-9 3 16 determines determine VERB issue-9 3 17 the the DET issue-9 3 18 degree degree NOUN issue-9 3 19 of of ADP issue-9 3 20 development development NOUN issue-9 3 21 of of ADP issue-9 3 22 financial financial ADJ issue-9 3 23 inclusion inclusion NOUN issue-9 3 24 , , PUNCT issue-9 3 25 which which PRON issue-9 3 26 generate generate VERB issue-9 3 27 developed develop VERB issue-9 3 28 financial financial ADJ issue-9 3 29 market market NOUN issue-9 3 30 , , PUNCT issue-9 3 31 ensures ensure VERB issue-9 3 32 public public ADJ issue-9 3 33 confidence confidence NOUN issue-9 3 34 to to ADP issue-9 3 35 the the DET issue-9 3 36 deposit deposit NOUN issue-9 3 37 services service NOUN issue-9 3 38 , , PUNCT issue-9 3 39 and and CCONJ issue-9 3 40 increases increase VERB issue-9 3 41 the the DET issue-9 3 42 level level NOUN issue-9 3 43 of of ADP issue-9 3 44 savings saving NOUN issue-9 3 45 that that PRON issue-9 3 46 positively positively ADV issue-9 3 47 affects affect VERB issue-9 3 48 the the DET issue-9 3 49 banking banking NOUN issue-9 3 50 system system NOUN issue-9 3 51 financial financial ADJ issue-9 3 52 stability stability NOUN issue-9 3 53 and and CCONJ issue-9 3 54 economy economy NOUN issue-9 3 55 in in ADP issue-9 3 56 the the DET issue-9 3 57 country country NOUN issue-9 3 58 in in ADP issue-9 3 59 whole whole NOUN issue-9 3 60 . . PUNCT issue-9 4 1 it it PRON issue-9 4 2 is be AUX issue-9 4 3 because because SCONJ issue-9 4 4 of of ADP issue-9 4 5 availability availability NOUN issue-9 4 6 and and CCONJ issue-9 4 7 security security NOUN issue-9 4 8 deposit deposit NOUN issue-9 4 9 services service NOUN issue-9 4 10 , , PUNCT issue-9 4 11 commercial commercial ADJ issue-9 4 12 banks bank NOUN issue-9 4 13 of of ADP issue-9 4 14 ukraine ukraine PROPN issue-9 4 15 have have VERB issue-9 4 16 the the DET issue-9 4 17 opportunity opportunity NOUN issue-9 4 18 to to PART issue-9 4 19 increase increase VERB issue-9 4 20 its its PRON issue-9 4 21 resource resource NOUN issue-9 4 22 base base NOUN issue-9 4 23 due due ADP issue-9 4 24 to to ADP issue-9 4 25 savings saving NOUN issue-9 4 26 of of ADP issue-9 4 27 the the DET issue-9 4 28 population population NOUN issue-9 4 29 . . PUNCT issue-9 5 1 methodology methodology NOUN issue-9 5 2 . . PUNCT issue-9 6 1 the the DET issue-9 6 2 paper paper NOUN issue-9 6 3 is be AUX issue-9 6 4 based base VERB issue-9 6 5 on on ADP issue-9 6 6 a a DET issue-9 6 7 synthesis synthesis NOUN issue-9 6 8 of of ADP issue-9 6 9 data datum NOUN issue-9 6 10 to to PART issue-9 6 11 explore explore VERB issue-9 6 12 the the DET issue-9 6 13 bank bank NOUN issue-9 6 14 deposit deposit NOUN issue-9 6 15 policy policy NOUN issue-9 6 16 situation situation NOUN issue-9 6 17 . . PUNCT issue-9 7 1 the the DET issue-9 7 2 paper paper NOUN issue-9 7 3 considers consider VERB issue-9 7 4 the the DET issue-9 7 5 scientific scientific ADJ issue-9 7 6 and and CCONJ issue-9 7 7 theoretical theoretical ADJ issue-9 7 8 approaches approach NOUN issue-9 7 9 for for ADP issue-9 7 10 the the DET issue-9 7 11 developing develop VERB issue-9 7 12 the the DET issue-9 7 13 deposit deposit NOUN issue-9 7 14 policy policy NOUN issue-9 7 15 management management NOUN issue-9 7 16 . . PUNCT issue-9 8 1 it it PRON issue-9 8 2 contains contain VERB issue-9 8 3 the the DET issue-9 8 4 analysis analysis NOUN issue-9 8 5 of of ADP issue-9 8 6 the the DET issue-9 8 7 dynamics dynamic NOUN issue-9 8 8 and and CCONJ issue-9 8 9 current current ADJ issue-9 8 10 situation situation NOUN issue-9 8 11 and and CCONJ issue-9 8 12 conditions condition NOUN issue-9 8 13 of of ADP issue-9 8 14 the the DET issue-9 8 15 resource resource NOUN issue-9 8 16 potential potential NOUN issue-9 8 17 of of ADP issue-9 8 18 banking banking NOUN issue-9 8 19 institutions institution NOUN issue-9 8 20 in in ADP issue-9 8 21 ukraine ukraine PROPN issue-9 8 22 . . PUNCT issue-9 9 1 results result NOUN issue-9 9 2 of of ADP issue-9 9 3 the the DET issue-9 9 4 article article NOUN issue-9 9 5 shows show VERB issue-9 9 6 direct direct ADJ issue-9 9 7 dependency dependency NOUN issue-9 9 8 between between ADP issue-9 9 9 savings saving NOUN issue-9 9 10 , , PUNCT issue-9 9 11 consumption consumption NOUN issue-9 9 12 and and CCONJ issue-9 9 13 deposit deposit NOUN issue-9 9 14 policy policy NOUN issue-9 9 15 , , PUNCT issue-9 9 16 therefore therefore ADV issue-9 9 17 every every DET issue-9 9 18 banking banking NOUN issue-9 9 19 institution institution NOUN issue-9 9 20 includes include VERB issue-9 9 21 the the DET issue-9 9 22 mechanism mechanism NOUN issue-9 9 23 of of ADP issue-9 9 24 banking banking NOUN issue-9 9 25 management management NOUN issue-9 9 26 of of ADP issue-9 9 27 the the DET issue-9 9 28 development development NOUN issue-9 9 29 and and CCONJ issue-9 9 30 implementation implementation NOUN issue-9 9 31 of of ADP issue-9 9 32 deposit deposit NOUN issue-9 9 33 policy policy NOUN issue-9 9 34 . . PUNCT issue-9 10 1 also also ADV issue-9 10 2 , , PUNCT issue-9 10 3 this this DET issue-9 10 4 management management NOUN issue-9 10 5 defines define VERB issue-9 10 6 the the DET issue-9 10 7 deposit deposit NOUN issue-9 10 8 policy policy NOUN issue-9 10 9 directions direction NOUN issue-9 10 10 according accord VERB issue-9 10 11 to to ADP issue-9 10 12 the the DET issue-9 10 13 conditions condition NOUN issue-9 10 14 of of ADP issue-9 10 15 bank bank NOUN issue-9 10 16 resources resource NOUN issue-9 10 17 mobilization mobilization NOUN issue-9 10 18 and and CCONJ issue-9 10 19 its its PRON issue-9 10 20 applying apply VERB issue-9 10 21 in in ADP issue-9 10 22 active active ADJ issue-9 10 23 operations operation NOUN issue-9 10 24 . . PUNCT issue-9 11 1 the the DET issue-9 11 2 obtained obtain VERB issue-9 11 3 results result NOUN issue-9 11 4 confirm confirm VERB issue-9 11 5 that that SCONJ issue-9 11 6 the the DET issue-9 11 7 term term NOUN issue-9 11 8 “ " PUNCT issue-9 11 9 deposit deposit NOUN issue-9 11 10 policy policy NOUN issue-9 11 11 ” " PUNCT issue-9 11 12 is be AUX issue-9 11 13 too too ADV issue-9 11 14 complex complex ADJ issue-9 11 15 , , PUNCT issue-9 11 16 but but CCONJ issue-9 11 17 it it PRON issue-9 11 18 is be AUX issue-9 11 19 investigated investigate VERB issue-9 11 20 in in ADP issue-9 11 21 interaction interaction NOUN issue-9 11 22 with with ADP issue-9 11 23 banking banking NOUN issue-9 11 24 activity activity NOUN issue-9 11 25 . . PUNCT issue-9 12 1 it it PRON issue-9 12 2 is be AUX issue-9 12 3 explained explain VERB issue-9 12 4 how how SCONJ issue-9 12 5 deposit deposit NOUN issue-9 12 6 policy policy NOUN issue-9 12 7 influences influence VERB issue-9 12 8 banking banking NOUN issue-9 12 9 system system NOUN issue-9 12 10 and and CCONJ issue-9 12 11 has have VERB issue-9 12 12 impact impact NOUN issue-9 12 13 on on ADP issue-9 12 14 economic economic ADJ issue-9 12 15 growth growth NOUN issue-9 12 16 in in ADP issue-9 12 17 general general ADJ issue-9 12 18 . . PUNCT issue-9 13 1 practical practical ADJ issue-9 13 2 implications implication NOUN issue-9 13 3 . . PUNCT issue-9 14 1 the the DET issue-9 14 2 research research NOUN issue-9 14 3 creates create VERB issue-9 14 4 methodological methodological ADJ issue-9 14 5 approaches approach NOUN issue-9 14 6 to to ADP issue-9 14 7 the the DET issue-9 14 8 measurement measurement NOUN issue-9 14 9 of of ADP issue-9 14 10 effectiveness effectiveness NOUN issue-9 14 11 of of ADP issue-9 14 12 deposit deposit NOUN issue-9 14 13 policy policy NOUN issue-9 14 14 . . PUNCT issue-9 15 1 also also ADV issue-9 15 2 , , PUNCT issue-9 15 3 it it PRON issue-9 15 4 studies study VERB issue-9 15 5 the the DET issue-9 15 6 existing exist VERB issue-9 15 7 ones one NOUN issue-9 15 8 . . PUNCT issue-9 16 1 it it PRON issue-9 16 2 provides provide VERB issue-9 16 3 the the DET issue-9 16 4 possibility possibility NOUN issue-9 16 5 to to PART issue-9 16 6 define define VERB issue-9 16 7 which which PRON issue-9 16 8 of of ADP issue-9 16 9 the the DET issue-9 16 10 approaches approach NOUN issue-9 16 11 works work VERB issue-9 16 12 in in ADP issue-9 16 13 non non ADJ issue-9 16 14 - - ADJ issue-9 16 15 stable stable ADJ issue-9 16 16 economic economic ADJ issue-9 16 17 situation situation NOUN issue-9 16 18 and and CCONJ issue-9 16 19 which which PRON issue-9 16 20 ones one VERB issue-9 16 21 not not PART issue-9 16 22 . . PUNCT issue-9 17 1 the the DET issue-9 17 2 paper paper NOUN issue-9 17 3 has have VERB issue-9 17 4 the the DET issue-9 17 5 aim aim NOUN issue-9 17 6 to to PART issue-9 17 7 assess assess VERB issue-9 17 8 the the DET issue-9 17 9 deposit deposit NOUN issue-9 17 10 policy policy NOUN issue-9 17 11 opportunities opportunity NOUN issue-9 17 12 in in ADP issue-9 17 13 balancing balance VERB issue-9 17 14 and and CCONJ issue-9 17 15 ensuring ensure VERB issue-9 17 16 financial financial ADJ issue-9 17 17 stability stability NOUN issue-9 17 18 of of ADP issue-9 17 19 the the DET issue-9 17 20 banking banking NOUN issue-9 17 21 system system NOUN issue-9 17 22 of of ADP issue-9 17 23 ukraine ukraine NOUN issue-9 17 24 in in ADP issue-9 17 25 the the DET issue-9 17 26 period period NOUN issue-9 17 27 of of ADP issue-9 17 28 economic economic ADJ issue-9 17 29 growth growth NOUN issue-9 17 30 and and CCONJ issue-9 17 31 during during ADP issue-9 17 32 the the DET issue-9 17 33 financial financial ADJ issue-9 17 34 instability instability NOUN issue-9 17 35 . . PUNCT issue-9 18 1 value value NOUN issue-9 18 2 / / SYM issue-9 18 3 originality originality NOUN issue-9 18 4 . . PUNCT issue-9 19 1 despite despite SCONJ issue-9 19 2 of of ADP issue-9 19 3 the the DET issue-9 19 4 presence presence NOUN issue-9 19 5 of of ADP issue-9 19 6 significant significant ADJ issue-9 19 7 scientific scientific ADJ issue-9 19 8 results result NOUN issue-9 19 9 in in ADP issue-9 19 10 this this DET issue-9 19 11 field field NOUN issue-9 19 12 , , PUNCT issue-9 19 13 deposit deposit NOUN issue-9 19 14 policy policy NOUN issue-9 19 15 , , PUNCT issue-9 19 16 today today NOUN issue-9 19 17 there there PRON issue-9 19 18 is be VERB issue-9 19 19 no no DET issue-9 19 20 established establish VERB issue-9 19 21 scientific scientific ADJ issue-9 19 22 literature literature NOUN issue-9 19 23 and and CCONJ issue-9 19 24 a a DET issue-9 19 25 comprehensive comprehensive ADJ issue-9 19 26 vision vision NOUN issue-9 19 27 regarding regard VERB issue-9 19 28 the the DET issue-9 19 29 necessary necessary ADJ issue-9 19 30 focus focus NOUN issue-9 19 31 and and CCONJ issue-9 19 32 exposure exposure NOUN issue-9 19 33 mechanisms mechanism NOUN issue-9 19 34 of of ADP issue-9 19 35 deposit deposit NOUN issue-9 19 36 policy policy NOUN issue-9 19 37 for for ADP issue-9 19 38 the the DET issue-9 19 39 banking banking NOUN issue-9 19 40 system system NOUN issue-9 19 41 . . PUNCT issue-9 20 1 it it PRON issue-9 20 2 determines determine VERB issue-9 20 3 the the DET issue-9 20 4 need need NOUN issue-9 20 5 to to PART issue-9 20 6 formalize formalize VERB issue-9 20 7 the the DET issue-9 20 8 conceptual conceptual ADJ issue-9 20 9 framework framework NOUN issue-9 20 10 and and CCONJ issue-9 20 11 the the DET issue-9 20 12 necessary necessary ADJ issue-9 20 13 conditions condition NOUN issue-9 20 14 for for ADP issue-9 20 15 a a DET issue-9 20 16 financial financial ADJ issue-9 20 17 inclusiveness inclusiveness NOUN issue-9 20 18 , , PUNCT issue-9 20 19 deepening deepen VERB issue-9 20 20 scientific scientific ADJ issue-9 20 21 and and CCONJ issue-9 20 22 methodological methodological ADJ issue-9 20 23 basis basis NOUN issue-9 20 24 of of ADP issue-9 20 25 research research NOUN issue-9 20 26 deposit deposit NOUN issue-9 20 27 policy policy NOUN issue-9 20 28 . . PUNCT issue-9 21 1 this this DET issue-9 21 2 article article NOUN issue-9 21 3 provides provide VERB issue-9 21 4 the the DET issue-9 21 5 author author NOUN issue-9 21 6 ’s ’s PART issue-9 21 7 view view NOUN issue-9 21 8 on on ADP issue-9 21 9 the the DET issue-9 21 10 important important ADJ issue-9 21 11 role role NOUN issue-9 21 12 of of ADP issue-9 21 13 deposit deposit NOUN issue-9 21 14 policy policy NOUN issue-9 21 15 for for ADP issue-9 21 16 banking banking NOUN issue-9 21 17 institutions institution NOUN issue-9 21 18 and and CCONJ issue-9 21 19 national national ADJ issue-9 21 20 economy economy NOUN issue-9 21 21 in in ADP issue-9 21 22 general general ADJ issue-9 21 23 . . PUNCT issue-9 22 1 key key ADJ issue-9 22 2 words word NOUN issue-9 22 3 : : PUNCT issue-9 22 4 deposit deposit NOUN issue-9 22 5 policy policy NOUN issue-9 22 6 , , PUNCT issue-9 22 7 savings saving NOUN issue-9 22 8 , , PUNCT issue-9 22 9 banking banking NOUN issue-9 22 10 institutions institution NOUN issue-9 22 11 , , PUNCT issue-9 22 12 bank bank NOUN issue-9 22 13 resources resource NOUN issue-9 22 14 mobilization mobilization NOUN issue-9 22 15 , , PUNCT issue-9 22 16 banking banking NOUN issue-9 22 17 management management NOUN issue-9 22 18 , , PUNCT issue-9 22 19 bank bank NOUN issue-9 22 20 resources resource NOUN issue-9 22 21 . . PUNCT issue-9 23 1 jel jel PROPN issue-9 23 2 classification classification PROPN issue-9 23 3 : : PUNCT issue-9 23 4 g21 g21 PROPN issue-9 23 5 , , PUNCT issue-9 23 6 e58 e58 PROPN issue-9 23 7 , , PUNCT issue-9 23 8 g29 g29 VERB issue-9 23 9 corresponding correspond VERB issue-9 23 10 author author NOUN issue-9 23 11 1 1 NUM issue-9 23 12 banking banking NOUN issue-9 23 13 department department NOUN issue-9 23 14 , , PUNCT issue-9 23 15 taras taras PROPN issue-9 23 16 shevchenko shevchenko PROPN issue-9 23 17 national national PROPN issue-9 23 18 university university PROPN issue-9 23 19 of of ADP issue-9 23 20 kiev kiev PROPN issue-9 23 21 . . PUNCT issue-9 24 1 e e X issue-9 24 2 - - NOUN issue-9 24 3 mail mail NOUN issue-9 24 4 : : PUNCT issue-9 24 5 nadibova@gmail.com nadibova@gmail.com X issue-9 24 6 1 1 X issue-9 24 7 . . X issue-9 24 8 introduction introduction NOUN issue-9 24 9 one one NUM issue-9 24 10 of of ADP issue-9 24 11 the the DET issue-9 24 12 main main ADJ issue-9 24 13 functions function NOUN issue-9 24 14 of of ADP issue-9 24 15 the the DET issue-9 24 16 banking banking NOUN issue-9 24 17 system system NOUN issue-9 24 18 is be AUX issue-9 24 19 the the DET issue-9 24 20 rational rational ADJ issue-9 24 21 allocation allocation NOUN issue-9 24 22 of of ADP issue-9 24 23 financial financial ADJ issue-9 24 24 resources resource NOUN issue-9 24 25 by by ADP issue-9 24 26 the the DET issue-9 24 27 accumulation accumulation NOUN issue-9 24 28 of of ADP issue-9 24 29 temporarily temporarily ADV issue-9 24 30 free free ADJ issue-9 24 31 funds fund NOUN issue-9 24 32 of of ADP issue-9 24 33 population population NOUN issue-9 24 34 and and CCONJ issue-9 24 35 economic economic ADJ issue-9 24 36 entities entity NOUN issue-9 24 37 , , PUNCT issue-9 24 38 and and CCONJ issue-9 24 39 its its PRON issue-9 24 40 focus focus NOUN issue-9 24 41 on on ADP issue-9 24 42 the the DET issue-9 24 43 credit credit NOUN issue-9 24 44 and and CCONJ issue-9 24 45 investment investment NOUN issue-9 24 46 process process NOUN issue-9 24 47 . . PUNCT issue-9 25 1 reducing reduce VERB issue-9 25 2 investments investment NOUN issue-9 25 3 in in ADP issue-9 25 4 the the DET issue-9 25 5 development development NOUN issue-9 25 6 of of ADP issue-9 25 7 the the DET issue-9 25 8 domestic domestic ADJ issue-9 25 9 economy economy NOUN issue-9 25 10 leads lead VERB issue-9 25 11 to to PART issue-9 25 12 enhance enhance VERB issue-9 25 13 the the DET issue-9 25 14 role role NOUN issue-9 25 15 of of ADP issue-9 25 16 accumulation accumulation NOUN issue-9 25 17 and and CCONJ issue-9 25 18 use use NOUN issue-9 25 19 of of ADP issue-9 25 20 internal internal ADJ issue-9 25 21 resources resource NOUN issue-9 25 22 for for ADP issue-9 25 23 restoring restore VERB issue-9 25 24 economic economic ADJ issue-9 25 25 stability stability NOUN issue-9 25 26 . . PUNCT issue-9 26 1 without without ADP issue-9 26 2 sufficient sufficient ADJ issue-9 26 3 resource resource NOUN issue-9 26 4 base base NOUN issue-9 26 5 banking banking NOUN issue-9 26 6 institutions institution NOUN issue-9 26 7 are be AUX issue-9 26 8 not not PART issue-9 26 9 able able ADJ issue-9 26 10 to to PART issue-9 26 11 carry carry VERB issue-9 26 12 out out ADP issue-9 26 13 the the DET issue-9 26 14 current current ADJ issue-9 26 15 credit credit NOUN issue-9 26 16 needs need NOUN issue-9 26 17 of of ADP issue-9 26 18 businesses business NOUN issue-9 26 19 and and CCONJ issue-9 26 20 individuals individual NOUN issue-9 26 21 in in ADP issue-9 26 22 the the DET issue-9 26 23 right right ADJ issue-9 26 24 amount amount NOUN issue-9 26 25 . . PUNCT issue-9 27 1 also also ADV issue-9 27 2 , , PUNCT issue-9 27 3 there there PRON issue-9 27 4 is be VERB issue-9 27 5 no no DET issue-9 27 6 possibility possibility NOUN issue-9 27 7 to to PART issue-9 27 8 complete complete VERB issue-9 27 9 global global ADJ issue-9 27 10 investment investment NOUN issue-9 27 11 projects project NOUN issue-9 27 12 . . PUNCT issue-9 28 1 the the DET issue-9 28 2 sufficient sufficient ADJ issue-9 28 3 condition condition NOUN issue-9 28 4 for for ADP issue-9 28 5 succeeding succeed VERB issue-9 28 6 in in ADP issue-9 28 7 these these DET issue-9 28 8 aims aim NOUN issue-9 28 9 is be AUX issue-9 28 10 to to PART issue-9 28 11 involve involve VERB issue-9 28 12 resources resource NOUN issue-9 28 13 , , PUNCT issue-9 28 14 especially especially ADV issue-9 28 15 , , PUNCT issue-9 28 16 deposits deposit NOUN issue-9 28 17 . . PUNCT issue-9 29 1 bank bank NOUN issue-9 29 2 institutions institution NOUN issue-9 29 3 serve serve VERB issue-9 29 4 an an DET issue-9 29 5 important important ADJ issue-9 29 6 function function NOUN issue-9 29 7 by by ADP issue-9 29 8 transforming transform VERB issue-9 29 9 deposits deposit NOUN issue-9 29 10 into into ADP issue-9 29 11 real real ADJ issue-9 29 12 capital capital NOUN issue-9 29 13 to to PART issue-9 29 14 provide provide VERB issue-9 29 15 additional additional ADJ issue-9 29 16 resources resource NOUN issue-9 29 17 for for ADP issue-9 29 18 economic economic ADJ issue-9 29 19 needs need NOUN issue-9 29 20 . . PUNCT issue-9 30 1 therefore therefore ADV issue-9 30 2 , , PUNCT issue-9 30 3 ensuring ensure VERB issue-9 30 4 stable stable ADJ issue-9 30 5 and and CCONJ issue-9 30 6 effective effective ADJ issue-9 30 7 development development NOUN issue-9 30 8 of of ADP issue-9 30 9 the the DET issue-9 30 10 banking banking NOUN issue-9 30 11 system system NOUN issue-9 30 12 , , PUNCT issue-9 30 13 including include VERB issue-9 30 14 resource resource NOUN issue-9 30 15 optimization optimization NOUN issue-9 30 16 the the DET issue-9 30 17 capacity capacity NOUN issue-9 30 18 of of ADP issue-9 30 19 the the DET issue-9 30 20 bank bank NOUN issue-9 30 21 and and CCONJ issue-9 30 22 minimizing minimize VERB issue-9 30 23 the the DET issue-9 30 24 consequences consequence NOUN issue-9 30 25 of of ADP issue-9 30 26 financial financial ADJ issue-9 30 27 instability instability NOUN issue-9 30 28 should should AUX issue-9 30 29 be be AUX issue-9 30 30 one one NUM issue-9 30 31 of of ADP issue-9 30 32 the the DET issue-9 30 33 main main ADJ issue-9 30 34 areas area NOUN issue-9 30 35 of of ADP issue-9 30 36 banking banking NOUN issue-9 30 37 activity activity NOUN issue-9 30 38 . . PUNCT issue-9 31 1 the the DET issue-9 31 2 abovementioned abovementione VERB issue-9 31 3 shows show VERB issue-9 31 4 that that SCONJ issue-9 31 5 ensuring ensure VERB issue-9 31 6 stability stability NOUN issue-9 31 7 and and CCONJ issue-9 31 8 reliable reliable ADJ issue-9 31 9 functioning functioning NOUN issue-9 31 10 of of ADP issue-9 31 11 banks bank NOUN issue-9 31 12 in in ADP issue-9 31 13 our our PRON issue-9 31 14 country country NOUN issue-9 31 15 , , PUNCT issue-9 31 16 baltic baltic ADJ issue-9 31 17 journal journal PROPN issue-9 31 18 of of ADP issue-9 31 19 economic economic ADJ issue-9 31 20 studies study NOUN issue-9 31 21 43 43 NUM issue-9 31 22 vol vol NOUN issue-9 31 23 . . PROPN issue-9 31 24 1 1 NUM issue-9 31 25 , , PUNCT issue-9 31 26 2015 2015 NUM issue-9 31 27 scientifically scientifically ADV issue-9 31 28 substantiated substantiate VERB issue-9 31 29 formation formation NOUN issue-9 31 30 convertible convertible ADJ issue-9 31 31 banking banking NOUN issue-9 31 32 policy policy NOUN issue-9 31 33 plays play VERB issue-9 31 34 an an DET issue-9 31 35 important important ADJ issue-9 31 36 role role NOUN issue-9 31 37 , , PUNCT issue-9 31 38 the the DET issue-9 31 39 main main ADJ issue-9 31 40 element element NOUN issue-9 31 41 of of ADP issue-9 31 42 which which PRON issue-9 31 43 is be AUX issue-9 31 44 the the DET issue-9 31 45 deposit deposit NOUN issue-9 31 46 policy policy NOUN issue-9 31 47 . . PUNCT issue-9 32 1 deposit deposit NOUN issue-9 32 2 policy policy NOUN issue-9 32 3 is be AUX issue-9 32 4 the the DET issue-9 32 5 basis basis NOUN issue-9 32 6 of of ADP issue-9 32 7 the the DET issue-9 32 8 banking banking NOUN issue-9 32 9 management management NOUN issue-9 32 10 . . PUNCT issue-9 33 1 and and CCONJ issue-9 33 2 its its PRON issue-9 33 3 parameters parameter NOUN issue-9 33 4 determine determine VERB issue-9 33 5 the the DET issue-9 33 6 resource resource NOUN issue-9 33 7 base base NOUN issue-9 33 8 and and CCONJ issue-9 33 9 further further ADJ issue-9 33 10 bank bank NOUN issue-9 33 11 activity activity NOUN issue-9 33 12 . . PUNCT issue-9 34 1 this this PRON issue-9 34 2 is be AUX issue-9 34 3 confirmed confirm VERB issue-9 34 4 by by ADP issue-9 34 5 the the DET issue-9 34 6 fact fact NOUN issue-9 34 7 that that SCONJ issue-9 34 8 the the DET issue-9 34 9 bulk bulk NOUN issue-9 34 10 of of ADP issue-9 34 11 bank bank NOUN issue-9 34 12 resources resource NOUN issue-9 34 13 are be AUX issue-9 34 14 created create VERB issue-9 34 15 in in ADP issue-9 34 16 the the DET issue-9 34 17 process process NOUN issue-9 34 18 of of ADP issue-9 34 19 conducting conduct VERB issue-9 34 20 deposit deposit NOUN issue-9 34 21 operations operation NOUN issue-9 34 22 , , PUNCT issue-9 34 23 efficiency efficiency NOUN issue-9 34 24 and and CCONJ issue-9 34 25 accuracy accuracy NOUN issue-9 34 26 of of ADP issue-9 34 27 the the DET issue-9 34 28 organization organization NOUN issue-9 34 29 impacts impact VERB issue-9 34 30 on on ADP issue-9 34 31 the the DET issue-9 34 32 stability stability NOUN issue-9 34 33 of of ADP issue-9 34 34 the the DET issue-9 34 35 banking banking NOUN issue-9 34 36 institution institution NOUN issue-9 34 37 ultimately ultimately ADV issue-9 34 38 . . PUNCT issue-9 35 1 2 2 X issue-9 35 2 . . X issue-9 35 3 deposit deposit NOUN issue-9 35 4 policy policy NOUN issue-9 35 5 : : PUNCT issue-9 35 6 role role NOUN issue-9 35 7 and and CCONJ issue-9 35 8 functions function VERB issue-9 35 9 deposit deposit NOUN issue-9 35 10 policy policy NOUN issue-9 35 11 is be AUX issue-9 35 12 a a DET issue-9 35 13 complex complex ADJ issue-9 35 14 economic economic ADJ issue-9 35 15 phenomenon phenomenon NOUN issue-9 35 16 . . PUNCT issue-9 36 1 its its PRON issue-9 36 2 essence essence NOUN issue-9 36 3 is be AUX issue-9 36 4 seen see VERB issue-9 36 5 in in ADP issue-9 36 6 a a DET issue-9 36 7 broad broad ADJ issue-9 36 8 and and CCONJ issue-9 36 9 a a DET issue-9 36 10 narrow narrow ADJ issue-9 36 11 sense sense NOUN issue-9 36 12 . . PUNCT issue-9 37 1 in in ADP issue-9 37 2 broad broad ADJ issue-9 37 3 terms term NOUN issue-9 37 4 , , PUNCT issue-9 37 5 the the DET issue-9 37 6 bank bank NOUN issue-9 37 7 ’s ’s PART issue-9 37 8 deposit deposit NOUN issue-9 37 9 policy policy NOUN issue-9 37 10 is be AUX issue-9 37 11 considered consider VERB issue-9 37 12 as as ADP issue-9 37 13 the the DET issue-9 37 14 strategy strategy NOUN issue-9 37 15 and and CCONJ issue-9 37 16 tactics tactic NOUN issue-9 37 17 of of ADP issue-9 37 18 the the DET issue-9 37 19 bank bank NOUN issue-9 37 20 in in ADP issue-9 37 21 carrying carry VERB issue-9 37 22 out out ADP issue-9 37 23 activities activity NOUN issue-9 37 24 to to PART issue-9 37 25 attract attract VERB issue-9 37 26 deposit deposit NOUN issue-9 37 27 resources resource NOUN issue-9 37 28 , , PUNCT issue-9 37 29 as as ADV issue-9 37 30 well well ADV issue-9 37 31 as as ADP issue-9 37 32 the the DET issue-9 37 33 organization organization NOUN issue-9 37 34 and and CCONJ issue-9 37 35 management management NOUN issue-9 37 36 of of ADP issue-9 37 37 deposit deposit NOUN issue-9 37 38 process process NOUN issue-9 37 39 . . PUNCT issue-9 38 1 in in ADP issue-9 38 2 narrow narrow ADJ issue-9 38 3 sense sense NOUN issue-9 38 4 deposit deposit NOUN issue-9 38 5 policy policy NOUN issue-9 38 6 refers refer VERB issue-9 38 7 to to ADP issue-9 38 8 the the DET issue-9 38 9 strategy strategy NOUN issue-9 38 10 and and CCONJ issue-9 38 11 tactics tactic NOUN issue-9 38 12 of of ADP issue-9 38 13 the the DET issue-9 38 14 bank bank NOUN issue-9 38 15 in in ADP issue-9 38 16 order order NOUN issue-9 38 17 to to PART issue-9 38 18 ensure ensure VERB issue-9 38 19 its its PRON issue-9 38 20 liquidity liquidity NOUN issue-9 38 21 by by ADP issue-9 38 22 deposit deposit NOUN issue-9 38 23 process process NOUN issue-9 38 24 . . PUNCT issue-9 39 1 deposit deposit NOUN issue-9 39 2 policy policy NOUN issue-9 39 3 is be AUX issue-9 39 4 the the DET issue-9 39 5 base base NOUN issue-9 39 6 of of ADP issue-9 39 7 the the DET issue-9 39 8 overall overall ADJ issue-9 39 9 strategy strategy NOUN issue-9 39 10 of of ADP issue-9 39 11 bank bank NOUN issue-9 39 12 ’s ’s PART issue-9 39 13 activities activity NOUN issue-9 39 14 to to PART issue-9 39 15 attract attract VERB issue-9 39 16 resources resource NOUN issue-9 39 17 . . PUNCT issue-9 40 1 banking banking NOUN issue-9 40 2 strategy strategy NOUN issue-9 40 3 and and CCONJ issue-9 40 4 tactics tactic NOUN issue-9 40 5 are be AUX issue-9 40 6 closely closely ADV issue-9 40 7 related relate VERB issue-9 40 8 , , PUNCT issue-9 40 9 as as SCONJ issue-9 40 10 tactics tactic NOUN issue-9 40 11 is be AUX issue-9 40 12 the the DET issue-9 40 13 implementation implementation NOUN issue-9 40 14 of of ADP issue-9 40 15 the the DET issue-9 40 16 strategy strategy NOUN issue-9 40 17 of of ADP issue-9 40 18 banking banking NOUN issue-9 40 19 institution institution NOUN issue-9 40 20 . . PUNCT issue-9 41 1 therefore therefore ADV issue-9 41 2 , , PUNCT issue-9 41 3 the the DET issue-9 41 4 optimal optimal ADJ issue-9 41 5 combination combination NOUN issue-9 41 6 of of ADP issue-9 41 7 these these DET issue-9 41 8 two two NUM issue-9 41 9 approaches approach NOUN issue-9 41 10 enables enable VERB issue-9 41 11 banks bank NOUN issue-9 41 12 to to PART issue-9 41 13 fulfill fulfill VERB issue-9 41 14 their their PRON issue-9 41 15 main main ADJ issue-9 41 16 interest interest NOUN issue-9 41 17 in in ADP issue-9 41 18 the the DET issue-9 41 19 business business NOUN issue-9 41 20 world world NOUN issue-9 41 21 , , PUNCT issue-9 41 22 which which PRON issue-9 41 23 is be AUX issue-9 41 24 intended intend VERB issue-9 41 25 to to ADP issue-9 41 26 profitability profitability NOUN issue-9 41 27 and and CCONJ issue-9 41 28 growth growth NOUN issue-9 41 29 . . PUNCT issue-9 42 1 but but CCONJ issue-9 42 2 the the DET issue-9 42 3 deposit deposit NOUN issue-9 42 4 strategy strategy NOUN issue-9 42 5 and and CCONJ issue-9 42 6 tactics tactic NOUN issue-9 42 7 are be AUX issue-9 42 8 closely closely ADV issue-9 42 9 linked link VERB issue-9 42 10 , , PUNCT issue-9 42 11 in in ADP issue-9 42 12 accordance accordance NOUN issue-9 42 13 with with ADP issue-9 42 14 the the DET issue-9 42 15 same same ADJ issue-9 42 16 internal internal ADJ issue-9 42 17 logic logic NOUN issue-9 42 18 , , PUNCT issue-9 42 19 which which PRON issue-9 42 20 it it PRON issue-9 42 21 incorporates incorporate VERB issue-9 42 22 such such ADJ issue-9 42 23 fundamental fundamental ADJ issue-9 42 24 concept concept NOUN issue-9 42 25 for for ADP issue-9 42 26 the the DET issue-9 42 27 banking banking NOUN issue-9 42 28 activity activity NOUN issue-9 42 29 , , PUNCT issue-9 42 30 as as ADP issue-9 42 31 a a DET issue-9 42 32 deposit deposit NOUN issue-9 42 33 product product NOUN issue-9 42 34 , , PUNCT issue-9 42 35 deposit deposit NOUN issue-9 42 36 , , PUNCT issue-9 42 37 deposit deposit NOUN issue-9 42 38 service service NOUN issue-9 42 39 and and CCONJ issue-9 42 40 deposit deposit NOUN issue-9 42 41 operation operation NOUN issue-9 42 42 , , PUNCT issue-9 42 43 that that PRON issue-9 42 44 provides provide VERB issue-9 42 45 resource resource NOUN issue-9 42 46 base base NOUN issue-9 42 47 of of ADP issue-9 42 48 banking banking NOUN issue-9 42 49 institution institution NOUN issue-9 42 50 . . PUNCT issue-9 43 1 another another DET issue-9 43 2 approach approach NOUN issue-9 43 3 to to PART issue-9 43 4 define define VERB issue-9 43 5 the the DET issue-9 43 6 term term NOUN issue-9 43 7 “ " PUNCT issue-9 43 8 deposit deposit NOUN issue-9 43 9 policy policy NOUN issue-9 43 10 ” " PUNCT issue-9 43 11 is be AUX issue-9 43 12 to to PART issue-9 43 13 consider consider VERB issue-9 43 14 its its PRON issue-9 43 15 levels level NOUN issue-9 43 16 . . PUNCT issue-9 44 1 deposit deposit NOUN issue-9 44 2 policy policy NOUN issue-9 44 3 functions function NOUN issue-9 44 4 at at ADP issue-9 44 5 state state NOUN issue-9 44 6 and and CCONJ issue-9 44 7 bank bank NOUN issue-9 44 8 levels level NOUN issue-9 44 9 . . PUNCT issue-9 45 1 deposit deposit NOUN issue-9 45 2 policy policy NOUN issue-9 45 3 at at ADP issue-9 45 4 the the DET issue-9 45 5 state state NOUN issue-9 45 6 level level NOUN issue-9 45 7 is be AUX issue-9 45 8 a a DET issue-9 45 9 set set NOUN issue-9 45 10 of of ADP issue-9 45 11 measures measure NOUN issue-9 45 12 and and CCONJ issue-9 45 13 instruments instrument NOUN issue-9 45 14 to to PART issue-9 45 15 regulate regulate VERB issue-9 45 16 the the DET issue-9 45 17 banks bank NOUN issue-9 45 18 ’ ' PUNCT issue-9 45 19 activities activity NOUN issue-9 45 20 . . PUNCT issue-9 46 1 the the DET issue-9 46 2 state state NOUN issue-9 46 3 level level NOUN issue-9 46 4 is be AUX issue-9 46 5 regulated regulate VERB issue-9 46 6 by by ADP issue-9 46 7 the the DET issue-9 46 8 central central PROPN issue-9 46 9 bank bank NOUN issue-9 46 10 , , PUNCT issue-9 46 11 the the DET issue-9 46 12 national national PROPN issue-9 46 13 bank bank PROPN issue-9 46 14 of of ADP issue-9 46 15 ukraine ukraine NOUN issue-9 46 16 , , PUNCT issue-9 46 17 and and CCONJ issue-9 46 18 it it PRON issue-9 46 19 provides provide VERB issue-9 46 20 the the DET issue-9 46 21 rules rule NOUN issue-9 46 22 of of ADP issue-9 46 23 the the DET issue-9 46 24 formation formation NOUN issue-9 46 25 of of ADP issue-9 46 26 deposits deposit NOUN issue-9 46 27 for for ADP issue-9 46 28 commercial commercial ADJ issue-9 46 29 and and CCONJ issue-9 46 30 saving save VERB issue-9 46 31 banking banking NOUN issue-9 46 32 institutions institution NOUN issue-9 46 33 , , PUNCT issue-9 46 34 also also ADV issue-9 46 35 for for ADP issue-9 46 36 nonbanking nonbanke VERB issue-9 46 37 financial financial ADJ issue-9 46 38 organizations organization NOUN issue-9 46 39 . . PUNCT issue-9 47 1 deposit deposit NOUN issue-9 47 2 policy policy NOUN issue-9 47 3 at at ADP issue-9 47 4 the the DET issue-9 47 5 bank bank NOUN issue-9 47 6 level level NOUN issue-9 47 7 is be AUX issue-9 47 8 a a DET issue-9 47 9 set set NOUN issue-9 47 10 of of ADP issue-9 47 11 instruments instrument NOUN issue-9 47 12 that that PRON issue-9 47 13 are be AUX issue-9 47 14 used use VERB issue-9 47 15 by by ADP issue-9 47 16 banking banking NOUN issue-9 47 17 institution institution NOUN issue-9 47 18 to to PART issue-9 47 19 involve involve VERB issue-9 47 20 more more ADJ issue-9 47 21 resources resource NOUN issue-9 47 22 to to PART issue-9 47 23 provide provide VERB issue-9 47 24 its its PRON issue-9 47 25 activity activity NOUN issue-9 47 26 . . PUNCT issue-9 48 1 when when SCONJ issue-9 48 2 the the DET issue-9 48 3 policy policy NOUN issue-9 48 4 of of ADP issue-9 48 5 the the DET issue-9 48 6 central central ADJ issue-9 48 7 bank bank NOUN issue-9 48 8 is be AUX issue-9 48 9 strict strict ADJ issue-9 48 10 , , PUNCT issue-9 48 11 the the DET issue-9 48 12 deposit deposit NOUN issue-9 48 13 policy policy NOUN issue-9 48 14 has have VERB issue-9 48 15 the the DET issue-9 48 16 character character NOUN issue-9 48 17 of of ADP issue-9 48 18 conservatism conservatism NOUN issue-9 48 19 as as SCONJ issue-9 48 20 it it PRON issue-9 48 21 is be AUX issue-9 48 22 strong strong ADJ issue-9 48 23 regulated regulated ADJ issue-9 48 24 . . PUNCT issue-9 49 1 the the DET issue-9 49 2 opposite opposite ADJ issue-9 49 3 situation situation NOUN issue-9 49 4 is be AUX issue-9 49 5 when when SCONJ issue-9 49 6 the the DET issue-9 49 7 deposit deposit NOUN issue-9 49 8 policy policy NOUN issue-9 49 9 is be AUX issue-9 49 10 liberal liberal ADJ issue-9 49 11 . . PUNCT issue-9 50 1 but but CCONJ issue-9 50 2 in in ADP issue-9 50 3 practical practical ADJ issue-9 50 4 banking banking NOUN issue-9 50 5 activity activity NOUN issue-9 50 6 presents present VERB issue-9 50 7 the the DET issue-9 50 8 combination combination NOUN issue-9 50 9 of of ADP issue-9 50 10 the the DET issue-9 50 11 both both DET issue-9 50 12 types type NOUN issue-9 50 13 of of ADP issue-9 50 14 deposit deposit NOUN issue-9 50 15 policy policy NOUN issue-9 50 16 . . PUNCT issue-9 51 1 so so ADV issue-9 51 2 , , PUNCT issue-9 51 3 it it PRON issue-9 51 4 can can AUX issue-9 51 5 be be AUX issue-9 51 6 concluded conclude VERB issue-9 51 7 that that SCONJ issue-9 51 8 the the DET issue-9 51 9 deposit deposit NOUN issue-9 51 10 bank bank NOUN issue-9 51 11 policy policy NOUN issue-9 51 12 should should AUX issue-9 51 13 be be AUX issue-9 51 14 understood understand VERB issue-9 51 15 as as ADP issue-9 51 16 a a DET issue-9 51 17 system system NOUN issue-9 51 18 of of ADP issue-9 51 19 administrative administrative ADJ issue-9 51 20 decisions decision NOUN issue-9 51 21 , , PUNCT issue-9 51 22 a a DET issue-9 51 23 program program NOUN issue-9 51 24 of of ADP issue-9 51 25 action action NOUN issue-9 51 26 , , PUNCT issue-9 51 27 or or CCONJ issue-9 51 28 the the DET issue-9 51 29 document document NOUN issue-9 51 30 containing contain VERB issue-9 51 31 the the DET issue-9 51 32 activities activity NOUN issue-9 51 33 of of ADP issue-9 51 34 the the DET issue-9 51 35 bank bank NOUN issue-9 51 36 in in ADP issue-9 51 37 the the DET issue-9 51 38 area area NOUN issue-9 51 39 of of ADP issue-9 51 40 deposit deposit NOUN issue-9 51 41 operations operation NOUN issue-9 51 42 . . PUNCT issue-9 52 1 functions function NOUN issue-9 52 2 of of ADP issue-9 52 3 deposit deposit NOUN issue-9 52 4 policy policy NOUN issue-9 52 5 describe describe VERB issue-9 52 6 its its PRON issue-9 52 7 role role NOUN issue-9 52 8 for for ADP issue-9 52 9 any any DET issue-9 52 10 banking banking NOUN issue-9 52 11 institution institution NOUN issue-9 52 12 . . PUNCT issue-9 53 1 the the DET issue-9 53 2 main main ADJ issue-9 53 3 function function NOUN issue-9 53 4 is be AUX issue-9 53 5 the the DET issue-9 53 6 optimization optimization NOUN issue-9 53 7 of of ADP issue-9 53 8 resource resource NOUN issue-9 53 9 potential potential NOUN issue-9 53 10 of of ADP issue-9 53 11 bank bank NOUN issue-9 53 12 . . PUNCT issue-9 54 1 also also ADV issue-9 54 2 , , PUNCT issue-9 54 3 deposit deposit NOUN issue-9 54 4 policy policy NOUN issue-9 54 5 has have VERB issue-9 54 6 such such ADJ issue-9 54 7 functions function NOUN issue-9 54 8 as as ADP issue-9 54 9 : : PUNCT issue-9 54 10 • • NUM issue-9 54 11 planning planning NOUN issue-9 54 12 ; ; PUNCT issue-9 54 13 • • NUM issue-9 54 14 programming programming NOUN issue-9 54 15 ; ; PUNCT issue-9 54 16 • • NUM issue-9 54 17 forecasting forecasting NOUN issue-9 54 18 ; ; PUNCT issue-9 54 19 • • NUM issue-9 54 20 motivating motivating NOUN issue-9 54 21 ; ; PUNCT issue-9 55 1 • • X issue-9 55 2 commercial commercial ADJ issue-9 55 3 ; ; PUNCT issue-9 55 4 • • NUM issue-9 55 5 control control NOUN issue-9 55 6 . . PUNCT issue-9 56 1 every every DET issue-9 56 2 function function NOUN issue-9 56 3 of of ADP issue-9 56 4 deposit deposit NOUN issue-9 56 5 policy policy NOUN issue-9 56 6 has have VERB issue-9 56 7 the the DET issue-9 56 8 aim aim NOUN issue-9 56 9 to to PART issue-9 56 10 provide provide VERB issue-9 56 11 its its PRON issue-9 56 12 principles principle NOUN issue-9 56 13 : : PUNCT issue-9 56 14 • • NUM issue-9 56 15 flexibility flexibility NOUN issue-9 56 16 of of ADP issue-9 56 17 deposit deposit NOUN issue-9 56 18 policy policy NOUN issue-9 56 19 ; ; PUNCT issue-9 56 20 • • NUM issue-9 56 21 documentarily documentarily ADV issue-9 56 22 registered register VERB issue-9 56 23 deposit deposit NOUN issue-9 56 24 operations operation NOUN issue-9 56 25 ; ; PUNCT issue-9 56 26 • • NUM issue-9 56 27 rational rational ADJ issue-9 56 28 management management NOUN issue-9 56 29 passive passive ADJ issue-9 56 30 operations operation NOUN issue-9 56 31 ; ; PUNCT issue-9 56 32 • • NUM issue-9 56 33 high high ADJ issue-9 56 34 technologies technology NOUN issue-9 56 35 in in ADP issue-9 56 36 resource resource NOUN issue-9 56 37 operations operation NOUN issue-9 56 38 ; ; PUNCT issue-9 56 39 • • NUM issue-9 56 40 active active ADJ issue-9 56 41 marketing marketing NOUN issue-9 56 42 and and CCONJ issue-9 56 43 customer customer NOUN issue-9 56 44 focus focus NOUN issue-9 56 45 ; ; PUNCT issue-9 56 46 • • NUM issue-9 56 47 rational rational ADJ issue-9 56 48 resource resource NOUN issue-9 56 49 policy policy NOUN issue-9 56 50 ; ; PUNCT issue-9 56 51 • • NUM issue-9 56 52 adequacy adequacy NOUN issue-9 56 53 of of ADP issue-9 56 54 deposit deposit NOUN issue-9 56 55 policy policy NOUN issue-9 56 56 to to PART issue-9 56 57 demand demand VERB issue-9 56 58 on on ADP issue-9 56 59 financial financial ADJ issue-9 56 60 services service NOUN issue-9 56 61 ( ( PUNCT issue-9 56 62 dziubliuk dziubliuk PROPN issue-9 56 63 , , PUNCT issue-9 56 64 o. o. NOUN issue-9 56 65 , , PUNCT issue-9 56 66 2008 2008 NUM issue-9 56 67 ) ) PUNCT issue-9 56 68 . . PUNCT issue-9 57 1 the the DET issue-9 57 2 role role NOUN issue-9 57 3 of of ADP issue-9 57 4 deposit deposit NOUN issue-9 57 5 policy policy NOUN issue-9 57 6 is be AUX issue-9 57 7 that that SCONJ issue-9 57 8 it it PRON issue-9 57 9 defines define VERB issue-9 57 10 the the DET issue-9 57 11 priorities priority NOUN issue-9 57 12 of of ADP issue-9 57 13 development development NOUN issue-9 57 14 and and CCONJ issue-9 57 15 improvement improvement NOUN issue-9 57 16 of of ADP issue-9 57 17 banking banking NOUN issue-9 57 18 activities activity NOUN issue-9 57 19 , , PUNCT issue-9 57 20 aimed aim VERB issue-9 57 21 to to PART issue-9 57 22 mobilize mobilize VERB issue-9 57 23 financial financial ADJ issue-9 57 24 resources resource NOUN issue-9 57 25 , , PUNCT issue-9 57 26 improvement improvement NOUN issue-9 57 27 of of ADP issue-9 57 28 the the DET issue-9 57 29 resource resource NOUN issue-9 57 30 base base NOUN issue-9 57 31 formation formation NOUN issue-9 57 32 and and CCONJ issue-9 57 33 increasing increase VERB issue-9 57 34 competitiveness competitiveness NOUN issue-9 57 35 . . PUNCT issue-9 58 1 the the DET issue-9 58 2 author author NOUN issue-9 58 3 offers offer VERB issue-9 58 4 to to PART issue-9 58 5 pay pay VERB issue-9 58 6 attention attention NOUN issue-9 58 7 to to ADP issue-9 58 8 new new ADJ issue-9 58 9 principle principle NOUN issue-9 58 10 , , PUNCT issue-9 58 11 according accord VERB issue-9 58 12 to to ADP issue-9 58 13 the the DET issue-9 58 14 research research NOUN issue-9 58 15 , , PUNCT issue-9 58 16 that that DET issue-9 58 17 deposit deposit NOUN issue-9 58 18 policy policy NOUN issue-9 58 19 has have VERB issue-9 58 20 the the DET issue-9 58 21 principle principle NOUN issue-9 58 22 of of ADP issue-9 58 23 availability availability NOUN issue-9 58 24 . . PUNCT issue-9 59 1 this this DET issue-9 59 2 principle principle NOUN issue-9 59 3 is be AUX issue-9 59 4 about about ADP issue-9 59 5 security security NOUN issue-9 59 6 of of ADP issue-9 59 7 bank bank NOUN issue-9 59 8 deposit deposit NOUN issue-9 59 9 portfolio portfolio NOUN issue-9 59 10 and and CCONJ issue-9 59 11 target target VERB issue-9 59 12 use use NOUN issue-9 59 13 of of ADP issue-9 59 14 funds fund NOUN issue-9 59 15 performing perform VERB issue-9 59 16 property property NOUN issue-9 59 17 rights right NOUN issue-9 59 18 of of ADP issue-9 59 19 depositors depositor NOUN issue-9 59 20 . . PUNCT issue-9 60 1 deposit deposit NOUN issue-9 60 2 policy policy NOUN issue-9 60 3 should should AUX issue-9 60 4 provide provide VERB issue-9 60 5 positive positive ADJ issue-9 60 6 reputation reputation NOUN issue-9 60 7 and and CCONJ issue-9 60 8 trust trust NOUN issue-9 60 9 . . PUNCT issue-9 61 1 to to PART issue-9 61 2 conclude conclude VERB issue-9 61 3 , , PUNCT issue-9 61 4 there there PRON issue-9 61 5 is be VERB issue-9 61 6 direct direct ADJ issue-9 61 7 dependence dependence NOUN issue-9 61 8 between between ADP issue-9 61 9 depositors depositor NOUN issue-9 61 10 ’ ’ PART issue-9 61 11 savings saving NOUN issue-9 61 12 , , PUNCT issue-9 61 13 deposit deposit NOUN issue-9 61 14 policy policy NOUN issue-9 61 15 functions function NOUN issue-9 61 16 and and CCONJ issue-9 61 17 principles principle NOUN issue-9 61 18 , , PUNCT issue-9 61 19 banking banking NOUN issue-9 61 20 activity activity NOUN issue-9 61 21 and and CCONJ issue-9 61 22 its its PRON issue-9 61 23 rating rating NOUN issue-9 61 24 . . PUNCT issue-9 62 1 3 3 X issue-9 62 2 . . X issue-9 62 3 deposit deposit NOUN issue-9 62 4 policy policy NOUN issue-9 62 5 and and CCONJ issue-9 62 6 factors factor NOUN issue-9 62 7 of of ADP issue-9 62 8 influence influence NOUN issue-9 62 9 it it PRON issue-9 62 10 is be AUX issue-9 62 11 important important ADJ issue-9 62 12 to to PART issue-9 62 13 make make VERB issue-9 62 14 deposit deposit NOUN issue-9 62 15 policy policy NOUN issue-9 62 16 safe safe ADJ issue-9 62 17 . . PUNCT issue-9 63 1 it it PRON issue-9 63 2 means mean VERB issue-9 63 3 deposit deposit NOUN issue-9 63 4 policy policy NOUN issue-9 63 5 should should AUX issue-9 63 6 create create VERB issue-9 63 7 not not PART issue-9 63 8 risky risky ADJ issue-9 63 9 financial financial ADJ issue-9 63 10 services service NOUN issue-9 63 11 investments investment NOUN issue-9 63 12 by by ADP issue-9 63 13 subjects subject NOUN issue-9 63 14 of of ADP issue-9 63 15 the the DET issue-9 63 16 financial financial ADJ issue-9 63 17 services service NOUN issue-9 63 18 market market NOUN issue-9 63 19 . . PUNCT issue-9 64 1 many many ADJ issue-9 64 2 factors factor NOUN issue-9 64 3 impacts impact NOUN issue-9 64 4 on on ADP issue-9 64 5 deposit deposit NOUN issue-9 64 6 policy policy NOUN issue-9 64 7 . . PUNCT issue-9 65 1 they they PRON issue-9 65 2 could could AUX issue-9 65 3 be be AUX issue-9 65 4 divided divide VERB issue-9 65 5 into into ADP issue-9 65 6 internal internal ADJ issue-9 65 7 and and CCONJ issue-9 65 8 external external ADJ issue-9 65 9 ones one NOUN issue-9 65 10 . . PUNCT issue-9 66 1 the the DET issue-9 66 2 external external ADJ issue-9 66 3 factors factor NOUN issue-9 66 4 are be AUX issue-9 66 5 defined define VERB issue-9 66 6 as as ADP issue-9 66 7 : : PUNCT issue-9 66 8 • • NUM issue-9 66 9 the the DET issue-9 66 10 size size NOUN issue-9 66 11 of of ADP issue-9 66 12 the the DET issue-9 66 13 discount discount NOUN issue-9 66 14 rate rate NOUN issue-9 66 15 of of ADP issue-9 66 16 the the DET issue-9 66 17 central central ADJ issue-9 66 18 bank bank NOUN issue-9 66 19 ; ; PUNCT issue-9 66 20 • • NUM issue-9 66 21 banks bank NOUN issue-9 66 22 ’ ' PUNCT issue-9 66 23 reserve reserve NOUN issue-9 66 24 requirements requirement NOUN issue-9 66 25 ; ; PUNCT issue-9 66 26 • • NUM issue-9 66 27 inflation inflation NOUN issue-9 66 28 ; ; PUNCT issue-9 67 1 • • NUM issue-9 67 2 inflation inflation NOUN issue-9 67 3 expectations expectation NOUN issue-9 67 4 of of ADP issue-9 67 5 the the DET issue-9 67 6 population population NOUN issue-9 67 7 ; ; PUNCT issue-9 67 8 • • NUM issue-9 67 9 dynamics dynamic NOUN issue-9 67 10 of of ADP issue-9 67 11 population population NOUN issue-9 67 12 incomes income NOUN issue-9 67 13 ; ; PUNCT issue-9 67 14 • • NUM issue-9 67 15 the the DET issue-9 67 16 state state NOUN issue-9 67 17 of of ADP issue-9 67 18 the the DET issue-9 67 19 monetary monetary ADJ issue-9 67 20 market market NOUN issue-9 67 21 ; ; PUNCT issue-9 67 22 • • NUM issue-9 67 23 the the DET issue-9 67 24 state state NOUN issue-9 67 25 of of ADP issue-9 67 26 the the DET issue-9 67 27 financial financial ADJ issue-9 67 28 market market NOUN issue-9 67 29 ; ; PUNCT issue-9 67 30 • • ADP issue-9 67 31 the the DET issue-9 67 32 political political ADJ issue-9 67 33 situation situation NOUN issue-9 67 34 in in ADP issue-9 67 35 the the DET issue-9 67 36 country country NOUN issue-9 67 37 ; ; PUNCT issue-9 67 38 • • NUM issue-9 67 39 the the DET issue-9 67 40 economic economic ADJ issue-9 67 41 situation situation NOUN issue-9 67 42 ; ; PUNCT issue-9 67 43 • • NUM issue-9 67 44 risks risk NOUN issue-9 67 45 ; ; PUNCT issue-9 67 46 • • NUM issue-9 67 47 demand demand NOUN issue-9 67 48 on on ADP issue-9 67 49 banking banking NOUN issue-9 67 50 services service NOUN issue-9 67 51 ; ; PUNCT issue-9 67 52 • • NUM issue-9 67 53 level level NOUN issue-9 67 54 of of ADP issue-9 67 55 banking banking NOUN issue-9 67 56 competition competition NOUN issue-9 67 57 ; ; PUNCT issue-9 67 58 • • NUM issue-9 67 59 regional regional ADJ issue-9 67 60 specification specification NOUN issue-9 67 61 ; ; PUNCT issue-9 67 62 • • NUM issue-9 67 63 legislation legislation NOUN issue-9 67 64 ( ( PUNCT issue-9 67 65 fursova fursova X issue-9 67 66 , , PUNCT issue-9 67 67 v. v. ADP issue-9 67 68 , , PUNCT issue-9 67 69 2011 2011 NUM issue-9 67 70 ) ) PUNCT issue-9 67 71 . . PUNCT issue-9 68 1 globalization globalization NOUN issue-9 68 2 processes process NOUN issue-9 68 3 made make VERB issue-9 68 4 domestic domestic ADJ issue-9 68 5 banks bank NOUN issue-9 68 6 increasingly increasingly ADV issue-9 68 7 mobilize mobilize VERB issue-9 68 8 resources resource NOUN issue-9 68 9 by by ADP issue-9 68 10 borrowing borrow VERB issue-9 68 11 on on ADP issue-9 68 12 the the DET issue-9 68 13 international international ADJ issue-9 68 14 capital capital NOUN issue-9 68 15 markets market NOUN issue-9 68 16 in in ADP issue-9 68 17 the the DET issue-9 68 18 form form NOUN issue-9 68 19 of of ADP issue-9 68 20 loans loan NOUN issue-9 68 21 and and CCONJ issue-9 68 22 foreign foreign ADJ issue-9 68 23 investments investment NOUN issue-9 68 24 . . PUNCT issue-9 69 1 however however ADV issue-9 69 2 , , PUNCT issue-9 69 3 today today NOUN issue-9 69 4 , , PUNCT issue-9 69 5 when when SCONJ issue-9 69 6 international international ADJ issue-9 69 7 banks bank NOUN issue-9 69 8 reduced reduce VERB issue-9 69 9 lending lend VERB issue-9 69 10 ukrainian ukrainian ADJ issue-9 69 11 banks bank NOUN issue-9 69 12 , , PUNCT issue-9 69 13 the the DET issue-9 69 14 value value NOUN issue-9 69 15 of of ADP issue-9 69 16 deposit deposit NOUN issue-9 69 17 resources resource NOUN issue-9 69 18 despite despite SCONJ issue-9 69 19 becomes become VERB issue-9 69 20 higher high ADJ issue-9 69 21 because because SCONJ issue-9 69 22 of of ADP issue-9 69 23 the the DET issue-9 69 24 lack lack NOUN issue-9 69 25 of of ADP issue-9 69 26 resources resource NOUN issue-9 69 27 in in ADP issue-9 69 28 the the DET issue-9 69 29 domestic domestic ADJ issue-9 69 30 banking banking NOUN issue-9 69 31 market market NOUN issue-9 69 32 . . PUNCT issue-9 70 1 so so ADV issue-9 70 2 that that SCONJ issue-9 70 3 banking banking NOUN issue-9 70 4 institutions institution NOUN issue-9 70 5 are be AUX issue-9 70 6 forced force VERB issue-9 70 7 to to PART issue-9 70 8 attract attract VERB issue-9 70 9 resources resource NOUN issue-9 70 10 with with ADP issue-9 70 11 various various ADJ issue-9 70 12 kinds kind NOUN issue-9 70 13 of of ADP issue-9 70 14 deposit deposit NOUN issue-9 70 15 operations operation NOUN issue-9 70 16 . . PUNCT issue-9 71 1 in in ADP issue-9 71 2 such such ADJ issue-9 71 3 circumstances circumstance NOUN issue-9 71 4 , , PUNCT issue-9 71 5 baltic baltic ADJ issue-9 71 6 journal journal NOUN issue-9 71 7 of of ADP issue-9 71 8 economic economic ADJ issue-9 71 9 studies study NOUN issue-9 71 10 44 44 NUM issue-9 71 11 vol vol NOUN issue-9 71 12 . . PROPN issue-9 71 13 1 1 NUM issue-9 71 14 , , PUNCT issue-9 71 15 2015 2015 NUM issue-9 71 16 banks bank NOUN issue-9 71 17 should should AUX issue-9 71 18 pay pay VERB issue-9 71 19 attention attention NOUN issue-9 71 20 to to ADP issue-9 71 21 the the DET issue-9 71 22 significant significant ADJ issue-9 71 23 number number NOUN issue-9 71 24 of of ADP issue-9 71 25 factors factor NOUN issue-9 71 26 in in ADP issue-9 71 27 the the DET issue-9 71 28 formation formation NOUN issue-9 71 29 deposit deposit NOUN issue-9 71 30 policy policy NOUN issue-9 71 31 objectives objective NOUN issue-9 71 32 . . PUNCT issue-9 72 1 it it PRON issue-9 72 2 is be AUX issue-9 72 3 known know VERB issue-9 72 4 that that SCONJ issue-9 72 5 on on ADP issue-9 72 6 the the DET issue-9 72 7 amount amount NOUN issue-9 72 8 of of ADP issue-9 72 9 borrowed borrow VERB issue-9 72 10 funds fund NOUN issue-9 72 11 has have VERB issue-9 72 12 impact impact NOUN issue-9 72 13 not not PART issue-9 72 14 only only ADV issue-9 72 15 the the DET issue-9 72 16 general general ADJ issue-9 72 17 state state NOUN issue-9 72 18 of of ADP issue-9 72 19 the the DET issue-9 72 20 economy economy NOUN issue-9 72 21 of of ADP issue-9 72 22 the the DET issue-9 72 23 country country NOUN issue-9 72 24 , , PUNCT issue-9 72 25 but but CCONJ issue-9 72 26 even even ADV issue-9 72 27 a a DET issue-9 72 28 region region NOUN issue-9 72 29 , , PUNCT issue-9 72 30 in in ADP issue-9 72 31 which which PRON issue-9 72 32 banking banking NOUN issue-9 72 33 institution institution NOUN issue-9 72 34 conducts conduct VERB issue-9 72 35 its its PRON issue-9 72 36 operations operation NOUN issue-9 72 37 . . PUNCT issue-9 73 1 it it PRON issue-9 73 2 applies apply VERB issue-9 73 3 to to ADP issue-9 73 4 external external ADJ issue-9 73 5 risks risk NOUN issue-9 73 6 . . PUNCT issue-9 74 1 they they PRON issue-9 74 2 are be AUX issue-9 74 3 not not PART issue-9 74 4 associated associate VERB issue-9 74 5 with with ADP issue-9 74 6 of of ADP issue-9 74 7 banking banking NOUN issue-9 74 8 activity activity NOUN issue-9 74 9 or or CCONJ issue-9 74 10 its its PRON issue-9 74 11 customers customer NOUN issue-9 74 12 . . PUNCT issue-9 75 1 it it PRON issue-9 75 2 is be AUX issue-9 75 3 obvious obvious ADJ issue-9 75 4 that that SCONJ issue-9 75 5 in in ADP issue-9 75 6 an an DET issue-9 75 7 unstable unstable ADJ issue-9 75 8 economic economic NOUN issue-9 75 9 , , PUNCT issue-9 75 10 the the DET issue-9 75 11 banking banking NOUN issue-9 75 12 system system NOUN issue-9 75 13 development development NOUN issue-9 75 14 must must AUX issue-9 75 15 be be AUX issue-9 75 16 stable stable ADJ issue-9 75 17 , , PUNCT issue-9 75 18 despite despite SCONJ issue-9 75 19 the the DET issue-9 75 20 fact fact NOUN issue-9 75 21 that that SCONJ issue-9 75 22 it it PRON issue-9 75 23 faces face VERB issue-9 75 24 with with ADP issue-9 75 25 all all DET issue-9 75 26 the the DET issue-9 75 27 consequences consequence NOUN issue-9 75 28 of of ADP issue-9 75 29 inflation inflation NOUN issue-9 75 30 , , PUNCT issue-9 75 31 crisis crisis NOUN issue-9 75 32 , , PUNCT issue-9 75 33 problem problem NOUN issue-9 75 34 payments payment NOUN issue-9 75 35 , , PUNCT issue-9 75 36 budget budget NOUN issue-9 75 37 deficit deficit NOUN issue-9 75 38 , , PUNCT issue-9 75 39 decline decline NOUN issue-9 75 40 in in ADP issue-9 75 41 gdp gdp NOUN issue-9 75 42 and and CCONJ issue-9 75 43 so so ADV issue-9 75 44 on on ADP issue-9 75 45 ( ( PUNCT issue-9 75 46 barr barr PROPN issue-9 75 47 , , PUNCT issue-9 75 48 nicholas nicholas PROPN issue-9 75 49 , , PUNCT issue-9 75 50 2001 2001 NUM issue-9 75 51 ) ) PUNCT issue-9 75 52 . . PUNCT issue-9 76 1 the the DET issue-9 76 2 internal internal ADJ issue-9 76 3 factors factor NOUN issue-9 76 4 are be AUX issue-9 76 5 : : PUNCT issue-9 76 6 • • NUM issue-9 76 7 profitability profitability NOUN issue-9 76 8 ; ; PUNCT issue-9 76 9 • • NUM issue-9 76 10 liquidity liquidity NOUN issue-9 76 11 ; ; PUNCT issue-9 77 1 • • NUM issue-9 77 2 reliability reliability NOUN issue-9 77 3 of of ADP issue-9 77 4 bank bank NOUN issue-9 77 5 institution institution NOUN issue-9 77 6 ; ; PUNCT issue-9 77 7 • • NUM issue-9 77 8 deposit deposit NOUN issue-9 77 9 interest interest NOUN issue-9 77 10 rates rate NOUN issue-9 77 11 ; ; PUNCT issue-9 77 12 • • NUM issue-9 77 13 range range NOUN issue-9 77 14 of of ADP issue-9 77 15 bank bank NOUN issue-9 77 16 services service NOUN issue-9 77 17 ; ; PUNCT issue-9 77 18 • • NUM issue-9 77 19 versatility versatility NOUN issue-9 77 20 of of ADP issue-9 77 21 banking banking NOUN issue-9 77 22 deposit deposit NOUN issue-9 77 23 products product NOUN issue-9 77 24 ; ; PUNCT issue-9 77 25 • • NUM issue-9 77 26 marketing marketing NOUN issue-9 77 27 policy policy NOUN issue-9 77 28 of of ADP issue-9 77 29 the the DET issue-9 77 30 bank bank NOUN issue-9 77 31 ; ; PUNCT issue-9 77 32 • • NUM issue-9 77 33 development development NOUN issue-9 77 34 of of ADP issue-9 77 35 banking banking NOUN issue-9 77 36 technologies technology NOUN issue-9 77 37 ; ; PUNCT issue-9 77 38 • • NUM issue-9 77 39 stability stability NOUN issue-9 77 40 of of ADP issue-9 77 41 deposits deposit NOUN issue-9 77 42 ; ; PUNCT issue-9 77 43 • • NUM issue-9 77 44 price price NOUN issue-9 77 45 policy policy NOUN issue-9 77 46 of of ADP issue-9 77 47 banking banking NOUN issue-9 77 48 institution institution NOUN issue-9 77 49 ; ; PUNCT issue-9 77 50 • • NUM issue-9 77 51 bank bank NOUN issue-9 77 52 customers customer NOUN issue-9 77 53 ; ; PUNCT issue-9 77 54 • • NUM issue-9 77 55 staff staff NOUN issue-9 77 56 qualifications qualification NOUN issue-9 77 57 ; ; PUNCT issue-9 77 58 • • NUM issue-9 77 59 experience experience NOUN issue-9 77 60 ; ; PUNCT issue-9 77 61 • • NUM issue-9 77 62 expenditure expenditure NOUN issue-9 77 63 on on ADP issue-9 77 64 deposit deposit NOUN issue-9 77 65 policy policy NOUN issue-9 77 66 ( ( PUNCT issue-9 77 67 fursova fursova PROPN issue-9 77 68 , , PUNCT issue-9 77 69 v. v. ADP issue-9 77 70 , , PUNCT issue-9 77 71 2011 2011 NUM issue-9 77 72 ) ) PUNCT issue-9 77 73 . . PUNCT issue-9 78 1 deposit deposit NOUN issue-9 78 2 policy policy NOUN issue-9 78 3 of of ADP issue-9 78 4 banking banking NOUN issue-9 78 5 institution institution NOUN issue-9 78 6 should should AUX issue-9 78 7 be be AUX issue-9 78 8 formed form VERB issue-9 78 9 considering consider VERB issue-9 78 10 previously previously ADV issue-9 78 11 mentioned mention VERB issue-9 78 12 internal internal ADJ issue-9 78 13 and and CCONJ issue-9 78 14 external external ADJ issue-9 78 15 factors factor NOUN issue-9 78 16 . . PUNCT issue-9 79 1 thus thus ADV issue-9 79 2 , , PUNCT issue-9 79 3 the the DET issue-9 79 4 activities activity NOUN issue-9 79 5 of of ADP issue-9 79 6 bank bank NOUN issue-9 79 7 management management NOUN issue-9 79 8 can can AUX issue-9 79 9 improve improve VERB issue-9 79 10 the the DET issue-9 79 11 quality quality NOUN issue-9 79 12 of of ADP issue-9 79 13 deposit deposit NOUN issue-9 79 14 services service NOUN issue-9 79 15 and and CCONJ issue-9 79 16 attract attract VERB issue-9 79 17 more more ADJ issue-9 79 18 resources resource NOUN issue-9 79 19 . . PUNCT issue-9 80 1 practical practical ADJ issue-9 80 2 banking banking NOUN issue-9 80 3 activity activity NOUN issue-9 80 4 , , PUNCT issue-9 80 5 according accord VERB issue-9 80 6 to to ADP issue-9 80 7 our our PRON issue-9 80 8 research research NOUN issue-9 80 9 , , PUNCT issue-9 80 10 shows show VERB issue-9 80 11 that that SCONJ issue-9 80 12 internal internal ADJ issue-9 80 13 factors factor NOUN issue-9 80 14 of of ADP issue-9 80 15 influence influence NOUN issue-9 80 16 on on ADP issue-9 80 17 deposit deposit NOUN issue-9 80 18 policy policy NOUN issue-9 80 19 could could AUX issue-9 80 20 be be AUX issue-9 80 21 divided divide VERB issue-9 80 22 into into ADP issue-9 80 23 several several ADJ issue-9 80 24 groups group NOUN issue-9 80 25 , , PUNCT issue-9 80 26 they they PRON issue-9 80 27 are be AUX issue-9 80 28 : : PUNCT issue-9 80 29 • • NUM issue-9 80 30 financial financial ADJ issue-9 80 31 stability stability NOUN issue-9 80 32 and and CCONJ issue-9 80 33 statistics statistic NOUN issue-9 80 34 ; ; PUNCT issue-9 80 35 • • NUM issue-9 80 36 staff staff NOUN issue-9 80 37 preparation preparation NOUN issue-9 80 38 and and CCONJ issue-9 80 39 qualification qualification NOUN issue-9 80 40 ; ; PUNCT issue-9 80 41 • • NUM issue-9 80 42 image image NOUN issue-9 80 43 banking banking NOUN issue-9 80 44 institution institution NOUN issue-9 80 45 on on ADP issue-9 80 46 the the DET issue-9 80 47 market market NOUN issue-9 80 48 of of ADP issue-9 80 49 deposit deposit NOUN issue-9 80 50 services service NOUN issue-9 80 51 ; ; PUNCT issue-9 80 52 • • NUM issue-9 80 53 quality quality NOUN issue-9 80 54 and and CCONJ issue-9 80 55 sales sale NOUN issue-9 80 56 policy policy NOUN issue-9 80 57 of of ADP issue-9 80 58 deposit deposit NOUN issue-9 80 59 policy policy NOUN issue-9 80 60 ; ; PUNCT issue-9 80 61 • • NUM issue-9 80 62 organizational organizational ADJ issue-9 80 63 structure structure NOUN issue-9 80 64 of of ADP issue-9 80 65 banking banking NOUN issue-9 80 66 institution institution NOUN issue-9 80 67 . . PUNCT issue-9 81 1 to to PART issue-9 81 2 sum sum VERB issue-9 81 3 up up ADP issue-9 81 4 , , PUNCT issue-9 81 5 the the DET issue-9 81 6 author author NOUN issue-9 81 7 offers offer VERB issue-9 81 8 new new ADJ issue-9 81 9 groups group NOUN issue-9 81 10 of of ADP issue-9 81 11 internal internal ADJ issue-9 81 12 factors factor NOUN issue-9 81 13 that that PRON issue-9 81 14 are be AUX issue-9 81 15 under under ADP issue-9 81 16 banking banking NOUN issue-9 81 17 management management NOUN issue-9 81 18 control control NOUN issue-9 81 19 and and CCONJ issue-9 81 20 they they PRON issue-9 81 21 allow allow VERB issue-9 81 22 any any DET issue-9 81 23 bank bank NOUN issue-9 81 24 to to PART issue-9 81 25 be be AUX issue-9 81 26 competitive competitive ADJ issue-9 81 27 and and CCONJ issue-9 81 28 to to PART issue-9 81 29 provide provide VERB issue-9 81 30 deposit deposit NOUN issue-9 81 31 services service NOUN issue-9 81 32 better well ADV issue-9 81 33 . . PUNCT issue-9 82 1 the the DET issue-9 82 2 external external ADJ issue-9 82 3 factors factor NOUN issue-9 82 4 should should AUX issue-9 82 5 be be AUX issue-9 82 6 considered consider VERB issue-9 82 7 as as ADP issue-9 82 8 political political ADJ issue-9 82 9 , , PUNCT issue-9 82 10 economic economic ADJ issue-9 82 11 , , PUNCT issue-9 82 12 technical technical ADJ issue-9 82 13 and and CCONJ issue-9 82 14 social social ADJ issue-9 82 15 ones one NOUN issue-9 82 16 , , PUNCT issue-9 82 17 they they PRON issue-9 82 18 are be AUX issue-9 82 19 out out ADP issue-9 82 20 of of ADP issue-9 82 21 banking banking NOUN issue-9 82 22 management management NOUN issue-9 82 23 control control NOUN issue-9 82 24 . . PUNCT issue-9 83 1 but but CCONJ issue-9 83 2 banking banking NOUN issue-9 83 3 institution institution NOUN issue-9 83 4 management management NOUN issue-9 83 5 is be AUX issue-9 83 6 to to PART issue-9 83 7 monitor monitor VERB issue-9 83 8 trends trend NOUN issue-9 83 9 and and CCONJ issue-9 83 10 to to PART issue-9 83 11 have have VERB issue-9 83 12 flexible flexible ADJ issue-9 83 13 deposit deposit NOUN issue-9 83 14 policy policy NOUN issue-9 83 15 . . PUNCT issue-9 84 1 these these DET issue-9 84 2 groups group NOUN issue-9 84 3 of of ADP issue-9 84 4 factors factor NOUN issue-9 84 5 give give VERB issue-9 84 6 opportunity opportunity NOUN issue-9 84 7 to to PART issue-9 84 8 work work VERB issue-9 84 9 out out ADP issue-9 84 10 methodological methodological ADJ issue-9 84 11 approaches approach NOUN issue-9 84 12 for for ADP issue-9 84 13 organization organization NOUN issue-9 84 14 , , PUNCT issue-9 84 15 estimation estimation NOUN issue-9 84 16 , , PUNCT issue-9 84 17 planning planning NOUN issue-9 84 18 , , PUNCT issue-9 84 19 forecasting forecasting NOUN issue-9 84 20 and and CCONJ issue-9 84 21 regulation regulation NOUN issue-9 84 22 of of ADP issue-9 84 23 bank bank NOUN issue-9 84 24 activity activity NOUN issue-9 84 25 . . PUNCT issue-9 85 1 4 4 X issue-9 85 2 . . X issue-9 85 3 survey survey NOUN issue-9 85 4 methodology methodology NOUN issue-9 85 5 in in ADP issue-9 85 6 the the DET issue-9 85 7 paper paper NOUN issue-9 85 8 are be AUX issue-9 85 9 used use VERB issue-9 85 10 logical logical ADJ issue-9 85 11 and and CCONJ issue-9 85 12 statistical statistical ADJ issue-9 85 13 methods method NOUN issue-9 85 14 , , PUNCT issue-9 85 15 mathematically mathematically ADV issue-9 85 16 - - PUNCT issue-9 85 17 economics economic NOUN issue-9 85 18 approaches approach NOUN issue-9 85 19 . . PUNCT issue-9 86 1 it it PRON issue-9 86 2 was be AUX issue-9 86 3 analyzed analyze VERB issue-9 86 4 the the DET issue-9 86 5 deposit deposit NOUN issue-9 86 6 policy policy NOUN issue-9 86 7 at at ADP issue-9 86 8 5 5 NUM issue-9 86 9 competitive competitive ADJ issue-9 86 10 banks bank NOUN issue-9 86 11 that that PRON issue-9 86 12 have have VERB issue-9 86 13 not not PART issue-9 86 14 less less ADJ issue-9 86 15 than than ADP issue-9 86 16 1 1 NUM issue-9 86 17 billion billion NUM issue-9 86 18 uah uah ADJ issue-9 86 19 deposits deposit NOUN issue-9 86 20 in in ADP issue-9 86 21 their their PRON issue-9 86 22 deposit deposit NOUN issue-9 86 23 portfolio portfolio NOUN issue-9 86 24 according accord VERB issue-9 86 25 such such ADJ issue-9 86 26 parameters parameter NOUN issue-9 86 27 as as ADP issue-9 86 28 payment payment NOUN issue-9 86 29 of of ADP issue-9 86 30 interest interest NOUN issue-9 86 31 on on ADP issue-9 86 32 deposits deposit NOUN issue-9 86 33 , , PUNCT issue-9 86 34 the the DET issue-9 86 35 possibility possibility NOUN issue-9 86 36 of of ADP issue-9 86 37 early early ADJ issue-9 86 38 withdrawal withdrawal NOUN issue-9 86 39 or or CCONJ issue-9 86 40 recharge recharge VERB issue-9 86 41 , , PUNCT issue-9 86 42 investment investment NOUN issue-9 86 43 terms term NOUN issue-9 86 44 , , PUNCT issue-9 86 45 rate rate NOUN issue-9 86 46 in in ADP issue-9 86 47 uah uah PROPN issue-9 86 48 , , PUNCT issue-9 86 49 rate rate NOUN issue-9 86 50 in in ADP issue-9 86 51 usd usd NOUN issue-9 86 52 , , PUNCT issue-9 86 53 bank bank NOUN issue-9 86 54 ’s ’s PART issue-9 86 55 part part NOUN issue-9 86 56 in in ADP issue-9 86 57 the the DET issue-9 86 58 market market NOUN issue-9 86 59 of of ADP issue-9 86 60 retail retail ADJ issue-9 86 61 deposits deposit NOUN issue-9 86 62 . . PUNCT issue-9 87 1 we we PRON issue-9 87 2 took take VERB issue-9 87 3 the the DET issue-9 87 4 analytics analytic NOUN issue-9 87 5 from from ADP issue-9 87 6 the the DET issue-9 87 7 national national PROPN issue-9 87 8 bank bank PROPN issue-9 87 9 of of ADP issue-9 87 10 ukraine ukraine PROPN issue-9 87 11 data datum NOUN issue-9 87 12 base base NOUN issue-9 87 13 for for ADP issue-9 87 14 the the DET issue-9 87 15 last last ADJ issue-9 87 16 periods period NOUN issue-9 87 17 and and CCONJ issue-9 87 18 the the DET issue-9 87 19 customers customer NOUN issue-9 87 20 ’ ’ PART issue-9 87 21 information information NOUN issue-9 87 22 from from ADP issue-9 87 23 the the DET issue-9 87 24 website website NOUN issue-9 87 25 main main ADJ issue-9 87 26 pages page NOUN issue-9 87 27 of of ADP issue-9 87 28 the the DET issue-9 87 29 analyzed analyze VERB issue-9 87 30 banks bank NOUN issue-9 87 31 . . PUNCT issue-9 88 1 the the DET issue-9 88 2 author author NOUN issue-9 88 3 paid pay VERB issue-9 88 4 attention attention NOUN issue-9 88 5 which which DET issue-9 88 6 principles principle NOUN issue-9 88 7 are be AUX issue-9 88 8 completed complete VERB issue-9 88 9 in in ADP issue-9 88 10 the the DET issue-9 88 11 banks bank NOUN issue-9 88 12 ’ ’ PART issue-9 88 13 activity activity NOUN issue-9 88 14 and and CCONJ issue-9 88 15 what what DET issue-9 88 16 conditions condition NOUN issue-9 88 17 the the DET issue-9 88 18 banks bank NOUN issue-9 88 19 use use VERB issue-9 88 20 to to PART issue-9 88 21 attract attract VERB issue-9 88 22 new new ADJ issue-9 88 23 depositors depositor NOUN issue-9 88 24 and and CCONJ issue-9 88 25 to to PART issue-9 88 26 keep keep VERB issue-9 88 27 the the DET issue-9 88 28 old old ADJ issue-9 88 29 ones one NOUN issue-9 88 30 . . PUNCT issue-9 89 1 in in ADP issue-9 89 2 ukraine ukraine NOUN issue-9 89 3 , , PUNCT issue-9 89 4 we we PRON issue-9 89 5 have have VERB issue-9 89 6 the the DET issue-9 89 7 tendencies tendency NOUN issue-9 89 8 for for ADP issue-9 89 9 declining decline VERB issue-9 89 10 the the DET issue-9 89 11 banks bank NOUN issue-9 89 12 “ " PUNCT issue-9 89 13 deposit deposit NOUN issue-9 89 14 billionaires billionaire NOUN issue-9 89 15 ” " PUNCT issue-9 89 16 . . PUNCT issue-9 90 1 the the DET issue-9 90 2 reasons reason NOUN issue-9 90 3 why why SCONJ issue-9 90 4 many many ADJ issue-9 90 5 of of ADP issue-9 90 6 domestic domestic ADJ issue-9 90 7 financial financial ADJ issue-9 90 8 institutions institution NOUN issue-9 90 9 continue continue VERB issue-9 90 10 to to PART issue-9 90 11 decline decline VERB issue-9 90 12 are be AUX issue-9 90 13 rather rather ADV issue-9 90 14 predictable predictable ADJ issue-9 90 15 . . PUNCT issue-9 91 1 first first ADV issue-9 91 2 of of ADP issue-9 91 3 all all PRON issue-9 91 4 it it PRON issue-9 91 5 is be AUX issue-9 91 6 massive massive ADJ issue-9 91 7 outflow outflow NOUN issue-9 91 8 of of ADP issue-9 91 9 deposits deposit NOUN issue-9 91 10 , , PUNCT issue-9 91 11 the the DET issue-9 91 12 insolvency insolvency NOUN issue-9 91 13 of of ADP issue-9 91 14 many many ADJ issue-9 91 15 banks bank NOUN issue-9 91 16 raising raise VERB issue-9 91 17 standards standard NOUN issue-9 91 18 of of ADP issue-9 91 19 the the DET issue-9 91 20 national national PROPN issue-9 91 21 bank bank PROPN issue-9 91 22 of of ADP issue-9 91 23 ukraine ukraine PROPN issue-9 91 24 , , PUNCT issue-9 91 25 the the DET issue-9 91 26 total total ADJ issue-9 91 27 lack lack NOUN issue-9 91 28 of of ADP issue-9 91 29 confidence confidence NOUN issue-9 91 30 in in ADP issue-9 91 31 the the DET issue-9 91 32 banking banking NOUN issue-9 91 33 system system NOUN issue-9 91 34 , , PUNCT issue-9 91 35 both both CCONJ issue-9 91 36 from from ADP issue-9 91 37 the the DET issue-9 91 38 public public NOUN issue-9 91 39 and and CCONJ issue-9 91 40 from from ADP issue-9 91 41 business business NOUN issue-9 91 42 . . PUNCT issue-9 92 1 5 5 X issue-9 92 2 . . X issue-9 92 3 findings finding NOUN issue-9 92 4 the the DET issue-9 92 5 above above ADJ issue-9 92 6 confirms confirm VERB issue-9 92 7 that that SCONJ issue-9 92 8 the the DET issue-9 92 9 quality quality NOUN issue-9 92 10 of of ADP issue-9 92 11 the the DET issue-9 92 12 borrowed borrow VERB issue-9 92 13 funds fund NOUN issue-9 92 14 is be AUX issue-9 92 15 determined determine VERB issue-9 92 16 by by ADP issue-9 92 17 the the DET issue-9 92 18 level level NOUN issue-9 92 19 of of ADP issue-9 92 20 bank bank NOUN issue-9 92 21 deposit deposit NOUN issue-9 92 22 policy policy NOUN issue-9 92 23 that that PRON issue-9 92 24 is be AUX issue-9 92 25 the the DET issue-9 92 26 set set NOUN issue-9 92 27 of of ADP issue-9 92 28 its its PRON issue-9 92 29 approach approach NOUN issue-9 92 30 to to ADP issue-9 92 31 risk risk NOUN issue-9 92 32 management management NOUN issue-9 92 33 liabilities liability NOUN issue-9 92 34 , , PUNCT issue-9 92 35 the the DET issue-9 92 36 principles principle NOUN issue-9 92 37 of of ADP issue-9 92 38 formation formation NOUN issue-9 92 39 of of ADP issue-9 92 40 the the DET issue-9 92 41 resource resource NOUN issue-9 92 42 base base NOUN issue-9 92 43 , , PUNCT issue-9 92 44 effective effective ADJ issue-9 92 45 communication communication NOUN issue-9 92 46 between between ADP issue-9 92 47 divisions division NOUN issue-9 92 48 of of ADP issue-9 92 49 the the DET issue-9 92 50 bank bank NOUN issue-9 92 51 and and CCONJ issue-9 92 52 the the DET issue-9 92 53 distribution distribution NOUN issue-9 92 54 between between ADP issue-9 92 55 them they PRON issue-9 92 56 the the DET issue-9 92 57 duties duty NOUN issue-9 92 58 related relate VERB issue-9 92 59 to to ADP issue-9 92 60 the the DET issue-9 92 61 process process NOUN issue-9 92 62 of of ADP issue-9 92 63 formation formation NOUN issue-9 92 64 of of ADP issue-9 92 65 resources resource NOUN issue-9 92 66 , , PUNCT issue-9 92 67 composition composition NOUN issue-9 92 68 and and CCONJ issue-9 92 69 quality quality NOUN issue-9 92 70 of of ADP issue-9 92 71 the the DET issue-9 92 72 portfolio portfolio NOUN issue-9 92 73 of of ADP issue-9 92 74 resources resource NOUN issue-9 92 75 , , PUNCT issue-9 92 76 providing provide VERB issue-9 92 77 high high ADJ issue-9 92 78 - - PUNCT issue-9 92 79 quality quality NOUN issue-9 92 80 documentary documentary NOUN issue-9 92 81 deposit deposit NOUN issue-9 92 82 policy policy NOUN issue-9 92 83 . . PUNCT issue-9 93 1 since since SCONJ issue-9 93 2 2008 2008 NUM issue-9 93 3 till till SCONJ issue-9 93 4 2013 2013 NUM issue-9 93 5 the the DET issue-9 93 6 share share NOUN issue-9 93 7 of of ADP issue-9 93 8 banks bank NOUN issue-9 93 9 ’ ' PUNCT issue-9 93 10 capital capital NOUN issue-9 93 11 was be AUX issue-9 93 12 gradually gradually ADV issue-9 93 13 increasing increase VERB issue-9 93 14 in in ADP issue-9 93 15 total total ADJ issue-9 93 16 liabilities liability NOUN issue-9 93 17 slightly slightly ADV issue-9 93 18 from from ADP issue-9 93 19 11.61 11.61 NUM issue-9 93 20 % % NOUN issue-9 93 21 to to ADP issue-9 93 22 15.07 15.07 NUM issue-9 93 23 % % NOUN issue-9 93 24 . . PUNCT issue-9 94 1 it it PRON issue-9 94 2 shows show VERB issue-9 94 3 a a DET issue-9 94 4 certain certain ADJ issue-9 94 5 increase increase NOUN issue-9 94 6 in in ADP issue-9 94 7 equity equity NOUN issue-9 94 8 capital capital NOUN issue-9 94 9 of of ADP issue-9 94 10 ukrainian ukrainian ADJ issue-9 94 11 banks bank NOUN issue-9 94 12 , , PUNCT issue-9 94 13 since since SCONJ issue-9 94 14 an an DET issue-9 94 15 increase increase NOUN issue-9 94 16 in in ADP issue-9 94 17 the the DET issue-9 94 18 proportion proportion NOUN issue-9 94 19 of of ADP issue-9 94 20 capital capital NOUN issue-9 94 21 occurred occur VERB issue-9 94 22 simultaneously simultaneously ADV issue-9 94 23 with with ADP issue-9 94 24 the the DET issue-9 94 25 increase increase NOUN issue-9 94 26 in in ADP issue-9 94 27 liabilities liability NOUN issue-9 94 28 to to ADP issue-9 94 29 599,396 599,396 NUM issue-9 94 30 mln mln NOUN issue-9 94 31 . . PUNCT issue-9 95 1 uah uah NOUN issue-9 95 2 up up ADP issue-9 95 3 to to ADP issue-9 95 4 1,278,095 1,278,095 NUM issue-9 95 5 mln mln NOUN issue-9 95 6 . . PUNCT issue-9 96 1 uah uah PROPN issue-9 96 2 at at ADP issue-9 96 3 the the DET issue-9 96 4 beginning beginning NOUN issue-9 96 5 of of ADP issue-9 96 6 2014 2014 NUM issue-9 96 7 . . PUNCT issue-9 97 1 at at ADP issue-9 97 2 the the DET issue-9 97 3 same same ADJ issue-9 97 4 time time NOUN issue-9 97 5 , , PUNCT issue-9 97 6 the the DET issue-9 97 7 share share NOUN issue-9 97 8 of of ADP issue-9 97 9 bank bank NOUN issue-9 97 10 liabilities liability NOUN issue-9 97 11 in in ADP issue-9 97 12 total total ADJ issue-9 97 13 liabilities liability NOUN issue-9 97 14 decreased decrease VERB issue-9 97 15 . . PUNCT issue-9 98 1 but but CCONJ issue-9 98 2 it it PRON issue-9 98 3 should should AUX issue-9 98 4 be be AUX issue-9 98 5 noted note VERB issue-9 98 6 that that SCONJ issue-9 98 7 the the DET issue-9 98 8 proportion proportion NOUN issue-9 98 9 of of ADP issue-9 98 10 individuals individual NOUN issue-9 98 11 ’ ' PUNCT issue-9 98 12 funds fund NOUN issue-9 98 13 in in ADP issue-9 98 14 the the DET issue-9 98 15 total total ADJ issue-9 98 16 liabilities liability NOUN issue-9 98 17 and and CCONJ issue-9 98 18 the the DET issue-9 98 19 liabilities liability NOUN issue-9 98 20 of of ADP issue-9 98 21 the the DET issue-9 98 22 banks bank NOUN issue-9 98 23 from from ADP issue-9 98 24 2008 2008 NUM issue-9 98 25 to to ADP issue-9 98 26 2011 2011 NUM issue-9 98 27 decreased decrease VERB issue-9 98 28 , , PUNCT issue-9 98 29 while while SCONJ issue-9 98 30 from from ADP issue-9 98 31 2011 2011 NUM issue-9 98 32 to to ADP issue-9 98 33 2015 2015 NUM issue-9 98 34 grew grow VERB issue-9 98 35 . . PUNCT issue-9 99 1 so so ADV issue-9 99 2 , , PUNCT issue-9 99 3 at at ADP issue-9 99 4 the the DET issue-9 99 5 beginning beginning NOUN issue-9 99 6 of of ADP issue-9 99 7 2015 2015 NUM issue-9 99 8 , , PUNCT issue-9 99 9 the the DET issue-9 99 10 proportion proportion NOUN issue-9 99 11 of of ADP issue-9 99 12 individuals individual NOUN issue-9 99 13 in in ADP issue-9 99 14 banks bank NOUN issue-9 99 15 ’ ' PUNCT issue-9 99 16 liabilities liability NOUN issue-9 99 17 amounted amount VERB issue-9 99 18 to to ADP issue-9 99 19 almost almost ADV issue-9 99 20 40 40 NUM issue-9 99 21 % % NOUN issue-9 99 22 . . PUNCT issue-9 100 1 some some DET issue-9 100 2 researchers researcher NOUN issue-9 100 3 distinguish distinguish VERB issue-9 100 4 certain certain ADJ issue-9 100 5 stages stage NOUN issue-9 100 6 , , PUNCT issue-9 100 7 during during ADP issue-9 100 8 which which PRON issue-9 100 9 the the DET issue-9 100 10 change change NOUN issue-9 100 11 in in ADP issue-9 100 12 the the DET issue-9 100 13 role role NOUN issue-9 100 14 and and CCONJ issue-9 100 15 value value NOUN issue-9 100 16 of of ADP issue-9 100 17 household household NOUN issue-9 100 18 savings saving NOUN issue-9 100 19 as as ADP issue-9 100 20 a a DET issue-9 100 21 source source NOUN issue-9 100 22 of of ADP issue-9 100 23 the the DET issue-9 100 24 resource resource NOUN issue-9 100 25 potential potential NOUN issue-9 100 26 of of ADP issue-9 100 27 domestic domestic ADJ issue-9 100 28 banks bank NOUN issue-9 100 29 . . PUNCT issue-9 101 1 stage stage NOUN issue-9 101 2 1 1 NUM issue-9 101 3 : : PUNCT issue-9 101 4 forming form VERB issue-9 101 5 a a DET issue-9 101 6 substantial substantial ADJ issue-9 101 7 public public ADJ issue-9 101 8 confidence confidence NOUN issue-9 101 9 in in ADP issue-9 101 10 banks bank NOUN issue-9 101 11 and and CCONJ issue-9 101 12 the the DET issue-9 101 13 conversion conversion NOUN issue-9 101 14 of of ADP issue-9 101 15 deposits deposit NOUN issue-9 101 16 of of ADP issue-9 101 17 individuals individual NOUN issue-9 101 18 on on ADP issue-9 101 19 one one NUM issue-9 101 20 of of ADP issue-9 101 21 the the DET issue-9 101 22 main main ADJ issue-9 101 23 sources source NOUN issue-9 101 24 of of ADP issue-9 101 25 the the DET issue-9 101 26 resource resource NOUN issue-9 101 27 potential potential NOUN issue-9 101 28 of of ADP issue-9 101 29 the the DET issue-9 101 30 domestic domestic ADJ issue-9 101 31 banking banking NOUN issue-9 101 32 sector sector NOUN issue-9 101 33 , , PUNCT issue-9 101 34 this this PRON issue-9 101 35 lasted last VERB issue-9 101 36 from from ADP issue-9 101 37 2002 2002 NUM issue-9 101 38 till till SCONJ issue-9 101 39 2005 2005 NUM issue-9 101 40 . . PUNCT issue-9 102 1 this this DET issue-9 102 2 stage stage NOUN issue-9 102 3 was be AUX issue-9 102 4 characterized characterize VERB issue-9 102 5 by by ADP issue-9 102 6 relative relative ADJ issue-9 102 7 stability stability NOUN issue-9 102 8 in in ADP issue-9 102 9 the the DET issue-9 102 10 foreign foreign ADJ issue-9 102 11 exchange exchange NOUN issue-9 102 12 and and CCONJ issue-9 102 13 financial financial ADJ issue-9 102 14 markets market NOUN issue-9 102 15 during during ADP issue-9 102 16 this this DET issue-9 102 17 period period NOUN issue-9 102 18 , , PUNCT issue-9 102 19 banks bank NOUN issue-9 102 20 offer offer VERB issue-9 102 21 the the DET issue-9 102 22 population population NOUN issue-9 102 23 quite quite ADV issue-9 102 24 attractive attractive ADJ issue-9 102 25 conditions condition NOUN issue-9 102 26 for for ADP issue-9 102 27 deposit deposit NOUN issue-9 102 28 programs program NOUN issue-9 102 29 . . PUNCT issue-9 103 1 as as ADP issue-9 103 2 a a DET issue-9 103 3 result result NOUN issue-9 103 4 , , PUNCT issue-9 103 5 at at ADP issue-9 103 6 the the DET issue-9 103 7 end end NOUN issue-9 103 8 of of ADP issue-9 103 9 2005 2005 NUM issue-9 103 10 the the DET issue-9 103 11 resource resource NOUN issue-9 103 12 potential potential NOUN issue-9 103 13 of of ADP issue-9 103 14 domestic domestic ADJ issue-9 103 15 banks bank NOUN issue-9 103 16 consisted consist VERB issue-9 103 17 of of ADP issue-9 103 18 people people NOUN issue-9 103 19 ’s ’s PART issue-9 103 20 savings saving NOUN issue-9 103 21 for for ADP issue-9 103 22 almost almost ADV issue-9 103 23 35.0 35.0 NUM issue-9 103 24 % % NOUN issue-9 103 25 . . PUNCT issue-9 104 1 stage stage NOUN issue-9 104 2 2 2 NUM issue-9 104 3 : : PUNCT issue-9 104 4 savings saving NOUN issue-9 104 5 of of ADP issue-9 104 6 the the DET issue-9 104 7 population population NOUN issue-9 104 8 cease cease VERB issue-9 104 9 to to PART issue-9 104 10 be be AUX issue-9 104 11 the the DET issue-9 104 12 main main ADJ issue-9 104 13 source source NOUN issue-9 104 14 of of ADP issue-9 104 15 the the DET issue-9 104 16 resource resource NOUN issue-9 104 17 base base NOUN issue-9 104 18 of of ADP issue-9 104 19 domestic domestic ADJ issue-9 104 20 banks bank NOUN issue-9 104 21 as as SCONJ issue-9 104 22 their their PRON issue-9 104 23 share share NOUN issue-9 104 24 in in ADP issue-9 104 25 bank bank NOUN issue-9 104 26 resources resource NOUN issue-9 104 27 is be AUX issue-9 104 28 systematically systematically ADV issue-9 104 29 reduced reduce VERB issue-9 104 30 . . PUNCT issue-9 105 1 this this DET issue-9 105 2 period period NOUN issue-9 105 3 started start VERB issue-9 105 4 in in ADP issue-9 105 5 2006 2006 NUM issue-9 105 6 and and CCONJ issue-9 105 7 lasted last VERB issue-9 105 8 till till SCONJ issue-9 105 9 2008 2008 NUM issue-9 105 10 . . PUNCT issue-9 106 1 in in ADP issue-9 106 2 2006 2006 NUM issue-9 106 3 it it PRON issue-9 106 4 was be AUX issue-9 106 5 formed form VERB issue-9 106 6 32.0 32.0 NUM issue-9 106 7 % % NOUN issue-9 106 8 of of ADP issue-9 106 9 the the DET issue-9 106 10 total total ADJ issue-9 106 11 resources resource NOUN issue-9 106 12 of of ADP issue-9 106 13 the the DET issue-9 106 14 banking banking NOUN issue-9 106 15 sector sector NOUN issue-9 106 16 of of ADP issue-9 106 17 ukraine ukraine NOUN issue-9 106 18 due due ADP issue-9 106 19 to to ADP issue-9 106 20 the the DET issue-9 106 21 savings saving NOUN issue-9 106 22 of of ADP issue-9 106 23 the the DET issue-9 106 24 population population NOUN issue-9 106 25 , , PUNCT issue-9 106 26 and and CCONJ issue-9 106 27 at at ADP issue-9 106 28 the the DET issue-9 106 29 beginning beginning NOUN issue-9 106 30 of of ADP issue-9 106 31 2008 2008 NUM issue-9 106 32 this this DET issue-9 106 33 figure figure NOUN issue-9 106 34 felt feel VERB issue-9 106 35 to to ADP issue-9 106 36 23.0 23.0 NUM issue-9 106 37 % % NOUN issue-9 106 38 . . PUNCT issue-9 107 1 it it PRON issue-9 107 2 was be AUX issue-9 107 3 caused cause VERB issue-9 107 4 by by ADP issue-9 107 5 world world NOUN issue-9 107 6 financial financial ADJ issue-9 107 7 crisis crisis NOUN issue-9 107 8 and and CCONJ issue-9 107 9 exchange exchange NOUN issue-9 107 10 instability instability NOUN issue-9 107 11 . . PUNCT issue-9 108 1 baltic baltic PROPN issue-9 108 2 journal journal PROPN issue-9 108 3 of of ADP issue-9 108 4 economic economic ADJ issue-9 108 5 studies study NOUN issue-9 108 6 45 45 NUM issue-9 108 7 vol vol NOUN issue-9 108 8 . . PROPN issue-9 108 9 1 1 NUM issue-9 108 10 , , PUNCT issue-9 108 11 2015 2015 NUM issue-9 108 12 stage stage NOUN issue-9 108 13 3 3 NUM issue-9 108 14 : : PUNCT issue-9 108 15 from from ADP issue-9 108 16 2008 2008 NUM issue-9 108 17 till till SCONJ issue-9 108 18 2010 2010 NUM issue-9 108 19 recovering recover VERB issue-9 108 20 period period NOUN issue-9 108 21 after after ADP issue-9 108 22 financial financial ADJ issue-9 108 23 stresses stress NOUN issue-9 108 24 . . PUNCT issue-9 109 1 the the DET issue-9 109 2 moratorium moratorium NOUN issue-9 109 3 on on ADP issue-9 109 4 faster fast ADV issue-9 109 5 and and CCONJ issue-9 109 6 earlier early ADJ issue-9 109 7 withdrawal withdrawal NOUN issue-9 109 8 of of ADP issue-9 109 9 deposits deposit NOUN issue-9 109 10 slightly slightly ADV issue-9 109 11 decreased decrease VERB issue-9 109 12 outflow outflow NOUN issue-9 109 13 of of ADP issue-9 109 14 depositors depositor NOUN issue-9 109 15 ’ ’ PART issue-9 109 16 funds fund NOUN issue-9 109 17 from from ADP issue-9 109 18 the the DET issue-9 109 19 banking banking NOUN issue-9 109 20 system system NOUN issue-9 109 21 , , PUNCT issue-9 109 22 but but CCONJ issue-9 109 23 at at ADP issue-9 109 24 the the DET issue-9 109 25 same same ADJ issue-9 109 26 time time NOUN issue-9 109 27 , , PUNCT issue-9 109 28 the the DET issue-9 109 29 negative negative ADJ issue-9 109 30 impact impact NOUN issue-9 109 31 on on ADP issue-9 109 32 public public ADJ issue-9 109 33 confidence confidence NOUN issue-9 109 34 in in ADP issue-9 109 35 the the DET issue-9 109 36 latter latter ADJ issue-9 109 37 . . PUNCT issue-9 110 1 the the DET issue-9 110 2 national national PROPN issue-9 110 3 bank bank PROPN issue-9 110 4 of of ADP issue-9 110 5 ukraine ukraine PROPN issue-9 110 6 undertook undertake VERB issue-9 110 7 all all DET issue-9 110 8 possible possible ADJ issue-9 110 9 measures measure NOUN issue-9 110 10 to to PART issue-9 110 11 make make VERB issue-9 110 12 recovery recovery NOUN issue-9 110 13 of of ADP issue-9 110 14 the the DET issue-9 110 15 banking banking NOUN issue-9 110 16 system system NOUN issue-9 110 17 . . PUNCT issue-9 111 1 stage stage NOUN issue-9 111 2 4 4 NUM issue-9 111 3 : : PUNCT issue-9 111 4 restore restore VERB issue-9 111 5 confidence confidence NOUN issue-9 111 6 to to ADP issue-9 111 7 the the DET issue-9 111 8 banking banking NOUN issue-9 111 9 system system NOUN issue-9 111 10 of of ADP issue-9 111 11 ukraine ukraine NOUN issue-9 111 12 and and CCONJ issue-9 111 13 the the DET issue-9 111 14 growing grow VERB issue-9 111 15 role role NOUN issue-9 111 16 of of ADP issue-9 111 17 savings saving NOUN issue-9 111 18 as as ADP issue-9 111 19 the the DET issue-9 111 20 main main ADJ issue-9 111 21 source source NOUN issue-9 111 22 of of ADP issue-9 111 23 formation formation NOUN issue-9 111 24 of of ADP issue-9 111 25 the the DET issue-9 111 26 resource resource NOUN issue-9 111 27 potential potential NOUN issue-9 111 28 of of ADP issue-9 111 29 the the DET issue-9 111 30 banks bank NOUN issue-9 111 31 . . PUNCT issue-9 112 1 this this DET issue-9 112 2 stage stage NOUN issue-9 112 3 started start VERB issue-9 112 4 in in ADP issue-9 112 5 2010 2010 NUM issue-9 112 6 and and CCONJ issue-9 112 7 lasted last VERB issue-9 112 8 till till SCONJ issue-9 112 9 2014 2014 NUM issue-9 112 10 . . PUNCT issue-9 113 1 this this DET issue-9 113 2 situation situation NOUN issue-9 113 3 can can AUX issue-9 113 4 be be AUX issue-9 113 5 explained explain VERB issue-9 113 6 mainly mainly ADV issue-9 113 7 by by ADP issue-9 113 8 the the DET issue-9 113 9 lack lack NOUN issue-9 113 10 of of ADP issue-9 113 11 alternative alternative ADJ issue-9 113 12 sources source NOUN issue-9 113 13 in in ADP issue-9 113 14 ukraine ukraine NOUN issue-9 113 15 where where SCONJ issue-9 113 16 the the DET issue-9 113 17 citizens citizen NOUN issue-9 113 18 can can AUX issue-9 113 19 invest invest VERB issue-9 113 20 . . PUNCT issue-9 114 1 lack lack NOUN issue-9 114 2 of of ADP issue-9 114 3 development development NOUN issue-9 114 4 of of ADP issue-9 114 5 the the DET issue-9 114 6 stock stock NOUN issue-9 114 7 market market NOUN issue-9 114 8 in in ADP issue-9 114 9 ukraine ukraine PROPN issue-9 114 10 makes make VERB issue-9 114 11 the the DET issue-9 114 12 bank bank NOUN issue-9 114 13 deposits deposit NOUN issue-9 114 14 almost almost ADV issue-9 114 15 the the DET issue-9 114 16 only only ADJ issue-9 114 17 source source NOUN issue-9 114 18 of of ADP issue-9 114 19 public public ADJ issue-9 114 20 investment investment NOUN issue-9 114 21 . . PUNCT issue-9 115 1 since since SCONJ issue-9 115 2 2014 2014 NUM issue-9 115 3 economic economic ADJ issue-9 115 4 , , PUNCT issue-9 115 5 political political ADJ issue-9 115 6 and and CCONJ issue-9 115 7 military military ADJ issue-9 115 8 situations situation NOUN issue-9 115 9 changed change VERB issue-9 115 10 a a DET issue-9 115 11 lot lot NOUN issue-9 115 12 . . PUNCT issue-9 116 1 so so ADV issue-9 116 2 now now ADV issue-9 116 3 we we PRON issue-9 116 4 see see VERB issue-9 116 5 the the DET issue-9 116 6 devaluation devaluation NOUN issue-9 116 7 , , PUNCT issue-9 116 8 bankruptcy bankruptcy NOUN issue-9 116 9 of of ADP issue-9 116 10 banks bank NOUN issue-9 116 11 and and CCONJ issue-9 116 12 depositors depositor NOUN issue-9 116 13 ’ ’ PART issue-9 116 14 fear fear NOUN issue-9 116 15 that that PRON issue-9 116 16 provides provide VERB issue-9 116 17 deposit deposit NOUN issue-9 116 18 outflow outflow NOUN issue-9 116 19 . . PUNCT issue-9 117 1 regarding regard VERB issue-9 117 2 to to ADP issue-9 117 3 the the DET issue-9 117 4 current current ADJ issue-9 117 5 situation situation NOUN issue-9 117 6 , , PUNCT issue-9 117 7 according accord VERB issue-9 117 8 to to ADP issue-9 117 9 official official ADJ issue-9 117 10 data datum NOUN issue-9 117 11 of of ADP issue-9 117 12 the the DET issue-9 117 13 national national PROPN issue-9 117 14 bank bank PROPN issue-9 117 15 of of ADP issue-9 117 16 ukraine ukraine PROPN issue-9 117 17 , , PUNCT issue-9 117 18 the the DET issue-9 117 19 volume volume NOUN issue-9 117 20 of of ADP issue-9 117 21 deposits deposit NOUN issue-9 117 22 in in ADP issue-9 117 23 national national ADJ issue-9 117 24 currency currency NOUN issue-9 117 25 decreased decrease VERB issue-9 117 26 in in ADP issue-9 117 27 march march PROPN issue-9 117 28 by by ADP issue-9 117 29 2.0 2.0 NUM issue-9 117 30 % % NOUN issue-9 117 31 ( ( PUNCT issue-9 117 32 ytd ytd PROPN issue-9 117 33 5.7 5.7 NUM issue-9 117 34 % % NOUN issue-9 117 35 ) ) PUNCT issue-9 117 36 . . PUNCT issue-9 118 1 that that PRON issue-9 118 2 was be AUX issue-9 118 3 due due ADJ issue-9 118 4 to to ADP issue-9 118 5 the the DET issue-9 118 6 reduction reduction NOUN issue-9 118 7 account account NOUN issue-9 118 8 balances balance NOUN issue-9 118 9 of of ADP issue-9 118 10 individuals individual NOUN issue-9 118 11 by by ADP issue-9 118 12 4.1 4.1 NUM issue-9 118 13 % % NOUN issue-9 118 14 ( ( PUNCT issue-9 118 15 ytd ytd PROPN issue-9 118 16 10.1 10.1 NUM issue-9 118 17 % % NOUN issue-9 118 18 ) ) PUNCT issue-9 118 19 while while SCONJ issue-9 118 20 deposits deposit NOUN issue-9 118 21 of of ADP issue-9 118 22 entities entity NOUN issue-9 118 23 increased increase VERB issue-9 118 24 by by ADP issue-9 118 25 0.2 0.2 NUM issue-9 118 26 % % NOUN issue-9 118 27 ( ( PUNCT issue-9 118 28 since since SCONJ issue-9 118 29 the the DET issue-9 118 30 beginning beginning NOUN issue-9 118 31 of of ADP issue-9 118 32 the the DET issue-9 118 33 year year NOUN issue-9 118 34 they they PRON issue-9 118 35 fell fall VERB issue-9 118 36 by by ADP issue-9 118 37 0,6 0,6 NUM issue-9 118 38 % % NOUN issue-9 118 39 ) ) PUNCT issue-9 118 40 . . PUNCT issue-9 119 1 the the DET issue-9 119 2 volume volume NOUN issue-9 119 3 of of ADP issue-9 119 4 deposits deposit NOUN issue-9 119 5 in in ADP issue-9 119 6 foreign foreign ADJ issue-9 119 7 currency currency NOUN issue-9 119 8 in in ADP issue-9 119 9 the the DET issue-9 119 10 past past ADJ issue-9 119 11 month month NOUN issue-9 119 12 fell fall VERB issue-9 119 13 by by ADP issue-9 119 14 7.4 7.4 NUM issue-9 119 15 % % NOUN issue-9 119 16 ( ( PUNCT issue-9 119 17 ytd ytd PROPN issue-9 119 18 14.4 14.4 NUM issue-9 119 19 % % NOUN issue-9 119 20 ) ) PUNCT issue-9 119 21 , , PUNCT issue-9 119 22 including include VERB issue-9 119 23 entities entity NOUN issue-9 119 24 by by ADP issue-9 119 25 7.3 7.3 NUM issue-9 119 26 % % NOUN issue-9 119 27 ( ( PUNCT issue-9 119 28 ytd ytd PROPN issue-9 119 29 10.7 10.7 NUM issue-9 119 30 % % NOUN issue-9 119 31 ) ) PUNCT issue-9 119 32 , , PUNCT issue-9 119 33 individuals individual NOUN issue-9 119 34 by by ADP issue-9 119 35 7.4 7.4 NUM issue-9 119 36 % % NOUN issue-9 119 37 ( ( PUNCT issue-9 119 38 ytd ytd PROPN issue-9 119 39 15.9 15.9 NUM issue-9 119 40 % % NOUN issue-9 119 41 ) ) PUNCT issue-9 120 1 [ [ X issue-9 120 2 4 4 NUM issue-9 120 3 ] ] PUNCT issue-9 120 4 . . PUNCT issue-9 121 1 analysis analysis NOUN issue-9 121 2 is be AUX issue-9 121 3 further further ADJ issue-9 121 4 confirmation confirmation NOUN issue-9 121 5 of of ADP issue-9 121 6 the the DET issue-9 121 7 negative negative ADJ issue-9 121 8 situation situation NOUN issue-9 121 9 in in ADP issue-9 121 10 the the DET issue-9 121 11 ukrainian ukrainian ADJ issue-9 121 12 banking banking NOUN issue-9 121 13 sector sector NOUN issue-9 121 14 , , PUNCT issue-9 121 15 which which PRON issue-9 121 16 is be AUX issue-9 121 17 characterized characterize VERB issue-9 121 18 by by ADP issue-9 121 19 a a DET issue-9 121 20 significant significant ADJ issue-9 121 21 outflow outflow NOUN issue-9 121 22 of of ADP issue-9 121 23 funds fund NOUN issue-9 121 24 of of ADP issue-9 121 25 natural natural ADJ issue-9 121 26 persons person NOUN issue-9 121 27 from from ADP issue-9 121 28 the the DET issue-9 121 29 banking banking NOUN issue-9 121 30 sector sector NOUN issue-9 121 31 of of ADP issue-9 121 32 ukraine ukraine NOUN issue-9 121 33 , , PUNCT issue-9 121 34 which which PRON issue-9 121 35 in in ADP issue-9 121 36 turn turn NOUN issue-9 121 37 has have VERB issue-9 121 38 a a DET issue-9 121 39 negative negative ADJ issue-9 121 40 impact impact NOUN issue-9 121 41 on on ADP issue-9 121 42 the the DET issue-9 121 43 resource resource NOUN issue-9 121 44 base base NOUN issue-9 121 45 of of ADP issue-9 121 46 banks bank NOUN issue-9 121 47 in in ADP issue-9 121 48 ukraine ukraine NOUN issue-9 121 49 . . PUNCT issue-9 122 1 the the DET issue-9 122 2 negative negative ADJ issue-9 122 3 consequences consequence NOUN issue-9 122 4 of of ADP issue-9 122 5 this this DET issue-9 122 6 situation situation NOUN issue-9 122 7 are be AUX issue-9 122 8 difficult difficult ADJ issue-9 122 9 to to PART issue-9 122 10 overestimate overestimate VERB issue-9 122 11 , , PUNCT issue-9 122 12 because because SCONJ issue-9 122 13 the the DET issue-9 122 14 banks bank NOUN issue-9 122 15 are be AUX issue-9 122 16 forced force VERB issue-9 122 17 to to PART issue-9 122 18 seek seek VERB issue-9 122 19 alternative alternative ADJ issue-9 122 20 sources source NOUN issue-9 122 21 of of ADP issue-9 122 22 resource resource NOUN issue-9 122 23 support support NOUN issue-9 122 24 , , PUNCT issue-9 122 25 as as ADV issue-9 122 26 well well ADV issue-9 122 27 as as ADP issue-9 122 28 solve solve VERB issue-9 122 29 the the DET issue-9 122 30 problem problem NOUN issue-9 122 31 of of ADP issue-9 122 32 liquidity liquidity NOUN issue-9 122 33 . . PUNCT issue-9 123 1 according accord VERB issue-9 123 2 to to ADP issue-9 123 3 the the DET issue-9 123 4 national national PROPN issue-9 123 5 bank bank PROPN issue-9 123 6 of of ADP issue-9 123 7 ukraine ukraine NOUN issue-9 123 8 only only ADV issue-9 123 9 in in ADP issue-9 123 10 march march PROPN issue-9 123 11 2015 2015 NUM issue-9 123 12 the the DET issue-9 123 13 total total ADJ issue-9 123 14 amount amount NOUN issue-9 123 15 of of ADP issue-9 123 16 refinancing refinancing NOUN issue-9 123 17 is be AUX issue-9 123 18 13,8 13,8 NUM issue-9 123 19 bil bil NUM issue-9 123 20 . . PUNCT issue-9 124 1 uah uah PROPN issue-9 124 2 . . PROPN issue-9 124 3 , , PUNCT issue-9 124 4 which which PRON issue-9 124 5 was be AUX issue-9 124 6 granted grant VERB issue-9 124 7 to to ADP issue-9 124 8 24 24 NUM issue-9 124 9 banks bank NOUN issue-9 124 10 . . PUNCT issue-9 125 1 overnight overnight ADJ issue-9 125 2 loans loan NOUN issue-9 125 3 totaled total VERB issue-9 125 4 7,7 7,7 NUM issue-9 125 5     SPACE issue-9 125 6 bil bil NUM issue-9 125 7 . . PUNCT issue-9 126 1 uah uah PROPN issue-9 126 2 . . PUNCT issue-9 127 1 and and CCONJ issue-9 127 2 was be AUX issue-9 127 3 provided provide VERB issue-9 127 4 by by ADP issue-9 127 5 14 14 NUM issue-9 127 6 banks bank NOUN issue-9 127 7 . . PUNCT issue-9 128 1 we we PRON issue-9 128 2 analyzed analyze VERB issue-9 128 3 the the DET issue-9 128 4 successful successful ADJ issue-9 128 5 banks bank NOUN issue-9 128 6 to to PART issue-9 128 7 make make VERB issue-9 128 8 recommendations recommendation NOUN issue-9 128 9 on on ADP issue-9 128 10 development development NOUN issue-9 128 11 of of ADP issue-9 128 12 deposit deposit NOUN issue-9 128 13 policy policy NOUN issue-9 128 14 for for ADP issue-9 128 15 banking banking NOUN issue-9 128 16 institutions institution NOUN issue-9 128 17 ( ( PUNCT issue-9 128 18 table table NOUN issue-9 128 19 1 1 NUM issue-9 128 20 ) ) PUNCT issue-9 128 21 . . PUNCT issue-9 129 1 analysis analysis NOUN issue-9 129 2 shows show VERB issue-9 129 3 that that SCONJ issue-9 129 4 these these DET issue-9 129 5 5 5 NUM issue-9 129 6 banking banking NOUN issue-9 129 7 institutions institution NOUN issue-9 129 8 keep keep VERB issue-9 129 9 44,26 44,26 NOUN issue-9 129 10 % % NOUN issue-9 129 11 retail retail ADJ issue-9 129 12 deposits deposit NOUN issue-9 129 13 . . PUNCT issue-9 130 1 these these DET issue-9 130 2 banks bank NOUN issue-9 130 3 have have VERB issue-9 130 4 positive positive ADJ issue-9 130 5 reputation reputation NOUN issue-9 130 6 , , PUNCT issue-9 130 7 high high ADJ issue-9 130 8 - - PUNCT issue-9 130 9 qualified qualified ADJ issue-9 130 10 staff staff NOUN issue-9 130 11 , , PUNCT issue-9 130 12 wide wide ADJ issue-9 130 13 range range NOUN issue-9 130 14 of of ADP issue-9 130 15 deposit deposit NOUN issue-9 130 16 services service NOUN issue-9 130 17 , , PUNCT issue-9 130 18 actual actual ADJ issue-9 130 19 interest interest NOUN issue-9 130 20 rate rate NOUN issue-9 130 21 , , PUNCT issue-9 130 22 loyal loyal ADJ issue-9 130 23 customers customer NOUN issue-9 130 24 base base VERB issue-9 130 25 and and CCONJ issue-9 130 26 use use VERB issue-9 130 27 high high ADJ issue-9 130 28 information information NOUN issue-9 130 29 technologies technology NOUN issue-9 130 30 to to PART issue-9 130 31 support support VERB issue-9 130 32 its its PRON issue-9 130 33 ’ ' PUNCT issue-9 130 34 clients client NOUN issue-9 130 35 . . PUNCT issue-9 131 1 the the DET issue-9 131 2 deposit deposit NOUN issue-9 131 3 policy policy NOUN issue-9 131 4 of of ADP issue-9 131 5 these these DET issue-9 131 6 banks bank NOUN issue-9 131 7 is be AUX issue-9 131 8 based base VERB issue-9 131 9 on on ADP issue-9 131 10 marketing marketing NOUN issue-9 131 11 policy policy NOUN issue-9 131 12     SPACE issue-9 131 13 – – PUNCT issue-9 131 14 promotion promotion NOUN issue-9 131 15 and and CCONJ issue-9 131 16 distribution distribution NOUN issue-9 131 17 of of ADP issue-9 131 18 deposit deposit NOUN issue-9 131 19 policy policy NOUN issue-9 131 20 , , PUNCT issue-9 131 21 banking banking NOUN issue-9 131 22 management management NOUN issue-9 131 23     SPACE issue-9 131 24 – – PUNCT issue-9 131 25 actual actual ADJ issue-9 131 26 conditions condition NOUN issue-9 131 27 and and CCONJ issue-9 131 28 rational rational ADJ issue-9 131 29 agreements agreement NOUN issue-9 131 30 , , PUNCT issue-9 131 31 flexibility flexibility NOUN issue-9 131 32 . . PUNCT issue-9 132 1 in in ADP issue-9 132 2 author author NOUN issue-9 132 3 ’s ’s PART issue-9 132 4 opinion opinion NOUN issue-9 132 5 , , PUNCT issue-9 132 6 flexibility flexibility NOUN issue-9 132 7 is be AUX issue-9 132 8 one one NUM issue-9 132 9 of of ADP issue-9 132 10 the the DET issue-9 132 11 main main ADJ issue-9 132 12 characteristics characteristic NOUN issue-9 132 13 which which PRON issue-9 132 14 banking banking NOUN issue-9 132 15 institutions institution NOUN issue-9 132 16 should should AUX issue-9 132 17 use use VERB issue-9 132 18 in in ADP issue-9 132 19 current current ADJ issue-9 132 20 economic economic ADJ issue-9 132 21 , , PUNCT issue-9 132 22 political political ADJ issue-9 132 23 and and CCONJ issue-9 132 24 military military ADJ issue-9 132 25 situations situation NOUN issue-9 132 26 . . PUNCT issue-9 133 1 6 6 X issue-9 133 2 . . X issue-9 133 3 conclusion conclusion NOUN issue-9 133 4 from from ADP issue-9 133 5 our our PRON issue-9 133 6 research research NOUN issue-9 133 7 it it PRON issue-9 133 8 could could AUX issue-9 133 9 be be AUX issue-9 133 10 concluded conclude VERB issue-9 133 11 that that SCONJ issue-9 133 12 the the DET issue-9 133 13 bank bank NOUN issue-9 133 14 ’s ’s PART issue-9 133 15 effectiveness effectiveness NOUN issue-9 133 16 on on ADP issue-9 133 17 attraction attraction NOUN issue-9 133 18 additional additional ADJ issue-9 133 19 funds fund NOUN issue-9 133 20 and and CCONJ issue-9 133 21 ensuring ensure VERB issue-9 133 22 its its PRON issue-9 133 23 competitiveness competitiveness NOUN issue-9 133 24 in in ADP issue-9 133 25 the the DET issue-9 133 26 market market NOUN issue-9 133 27 of of ADP issue-9 133 28 the the DET issue-9 133 29 banking banking NOUN issue-9 133 30 services service NOUN issue-9 133 31 largely largely ADV issue-9 133 32 depend depend VERB issue-9 133 33 on on ADP issue-9 133 34 the the DET issue-9 133 35 introduction introduction NOUN issue-9 133 36 of of ADP issue-9 133 37 new new ADJ issue-9 133 38 deposit deposit NOUN issue-9 133 39 products product NOUN issue-9 133 40 . . PUNCT issue-9 134 1 thus thus ADV issue-9 134 2 , , PUNCT issue-9 134 3 the the DET issue-9 134 4 modern modern ADJ issue-9 134 5 domestic domestic ADJ issue-9 134 6 banks bank NOUN issue-9 134 7 deposit deposit NOUN issue-9 134 8 policy policy NOUN issue-9 134 9 requires require VERB issue-9 134 10 continuous continuous ADJ issue-9 134 11 improvement improvement NOUN issue-9 134 12 . . PUNCT issue-9 135 1 among among ADP issue-9 135 2 the the DET issue-9 135 3 main main ADJ issue-9 135 4 directions direction NOUN issue-9 135 5 to to PART issue-9 135 6 improve improve VERB issue-9 135 7 its its PRON issue-9 135 8 efficiency efficiency NOUN issue-9 135 9 are be AUX issue-9 135 10 : : PUNCT issue-9 135 11 • • ADV issue-9 135 12 improving improve VERB issue-9 135 13 the the DET issue-9 135 14 regulatory regulatory ADJ issue-9 135 15 protection protection NOUN issue-9 135 16 of of ADP issue-9 135 17 individuals individual NOUN issue-9 135 18 and and CCONJ issue-9 135 19 entities entity NOUN issue-9 135 20 who who PRON issue-9 135 21 held hold VERB issue-9 135 22 deposit deposit NOUN issue-9 135 23 accounts account NOUN issue-9 135 24 ; ; PUNCT issue-9 135 25 • • NUM issue-9 135 26 simplifying simplify VERB issue-9 135 27 the the DET issue-9 135 28 functioning functioning NOUN issue-9 135 29 of of ADP issue-9 135 30 deposit deposit NOUN issue-9 135 31 accounts account NOUN issue-9 135 32 : : PUNCT issue-9 135 33 transfer transfer NOUN issue-9 135 34 of of ADP issue-9 135 35 funds fund NOUN issue-9 135 36 to to ADP issue-9 135 37 deposits deposit NOUN issue-9 135 38 , , PUNCT issue-9 135 39 cash cash NOUN issue-9 135 40 and and CCONJ issue-9 135 41 transfers transfer NOUN issue-9 135 42 from from ADP issue-9 135 43 deposit deposit NOUN issue-9 135 44 accounts account NOUN issue-9 135 45 , , PUNCT issue-9 135 46 use use NOUN issue-9 135 47 of of ADP issue-9 135 48 fixed fix VERB issue-9 135 49 - - PUNCT issue-9 135 50 term term NOUN issue-9 135 51 deposits deposit NOUN issue-9 135 52 with with ADP issue-9 135 53 additional additional ADJ issue-9 135 54 contributions contribution NOUN issue-9 135 55 or or CCONJ issue-9 135 56 charges charge NOUN issue-9 135 57 ; ; PUNCT issue-9 135 58 • • ADP issue-9 135 59 creating create VERB issue-9 135 60 favorable favorable ADJ issue-9 135 61 conditions condition NOUN issue-9 135 62 for for ADP issue-9 135 63 enhancing enhance VERB issue-9 135 64 the the DET issue-9 135 65 use use NOUN issue-9 135 66 by by ADP issue-9 135 67 banks bank NOUN issue-9 135 68 of of ADP issue-9 135 69 price price NOUN issue-9 135 70 and and CCONJ issue-9 135 71 non non ADJ issue-9 135 72 - - ADJ issue-9 135 73 price price ADJ issue-9 135 74 methods method NOUN issue-9 135 75 in in ADP issue-9 135 76 marketing marketing NOUN issue-9 135 77 policy policy NOUN issue-9 135 78 , , PUNCT issue-9 135 79 makes make VERB issue-9 135 80 it it PRON issue-9 135 81 possible possible ADJ issue-9 135 82 to to PART issue-9 135 83 offer offer VERB issue-9 135 84 wider wide ADJ issue-9 135 85 range range NOUN issue-9 135 86 of of ADP issue-9 135 87 high high ADJ issue-9 135 88 quality quality NOUN issue-9 135 89 services service NOUN issue-9 135 90 for for ADP issue-9 135 91 individuals individual NOUN issue-9 135 92 and and CCONJ issue-9 135 93 investors investor NOUN issue-9 135 94 , , PUNCT issue-9 135 95 improve improve VERB issue-9 135 96 service service NOUN issue-9 135 97 quality quality NOUN issue-9 135 98 , , PUNCT issue-9 135 99 increase increase VERB issue-9 135 100 the the DET issue-9 135 101 interest interest NOUN issue-9 135 102 of of ADP issue-9 135 103 individuals individual NOUN issue-9 135 104 and and CCONJ issue-9 135 105 entities entity NOUN issue-9 135 106 to to PART issue-9 135 107 place place VERB issue-9 135 108 their their PRON issue-9 135 109 funds fund NOUN issue-9 135 110 on on ADP issue-9 135 111 deposit deposit NOUN issue-9 135 112 accounts account NOUN issue-9 135 113 of of ADP issue-9 135 114 banking banking NOUN issue-9 135 115 institutions institution NOUN issue-9 135 116 ; ; PUNCT issue-9 135 117 • • CCONJ issue-9 135 118 improving improve VERB issue-9 135 119 the the DET issue-9 135 120 quality quality NOUN issue-9 135 121 of of ADP issue-9 135 122 customer customer NOUN issue-9 135 123 service service NOUN issue-9 135 124 through through ADP issue-9 135 125 the the DET issue-9 135 126 use use NOUN issue-9 135 127 of of ADP issue-9 135 128 new new ADJ issue-9 135 129 information information NOUN issue-9 135 130 technologies technology NOUN issue-9 135 131 in in ADP issue-9 135 132 the the DET issue-9 135 133 banking banking NOUN issue-9 135 134 sector sector NOUN issue-9 135 135 , , PUNCT issue-9 135 136 as as ADV issue-9 135 137 well well ADV issue-9 135 138 as as ADP issue-9 135 139 the the DET issue-9 135 140 advanced advanced ADJ issue-9 135 141 training training NOUN issue-9 135 142 of of ADP issue-9 135 143 bank bank NOUN issue-9 135 144 employees employee NOUN issue-9 135 145 . . PUNCT issue-9 136 1 the the DET issue-9 136 2 strengthening strengthening NOUN issue-9 136 3 of of ADP issue-9 136 4 the the DET issue-9 136 5 resource resource NOUN issue-9 136 6 base base NOUN issue-9 136 7 and and CCONJ issue-9 136 8 ensuring ensure VERB issue-9 136 9 effective effective ADJ issue-9 136 10 domestic domestic ADJ issue-9 136 11 bank bank NOUN issue-9 136 12 deposit deposit NOUN issue-9 136 13 policy policy NOUN issue-9 136 14 , , PUNCT issue-9 136 15 the the DET issue-9 136 16 integration integration NOUN issue-9 136 17 of of ADP issue-9 136 18 the the DET issue-9 136 19 banking banking NOUN issue-9 136 20 system system NOUN issue-9 136 21 of of ADP issue-9 136 22 ukraine ukraine NOUN issue-9 136 23 in in ADP issue-9 136 24 the the DET issue-9 136 25 global global ADJ issue-9 136 26 financial financial ADJ issue-9 136 27 space space NOUN issue-9 136 28 largely largely ADV issue-9 136 29 depends depend VERB issue-9 136 30 on on ADP issue-9 136 31 the the DET issue-9 136 32 growth growth NOUN issue-9 136 33 of of ADP issue-9 136 34 capital capital NOUN issue-9 136 35 that that PRON issue-9 136 36 could could AUX issue-9 136 37 be be AUX issue-9 136 38 provided provide VERB issue-9 136 39 with with ADP issue-9 136 40 rational rational ADJ issue-9 136 41 deposit deposit NOUN issue-9 136 42 policy policy NOUN issue-9 136 43 . . PUNCT issue-9 137 1 deposit deposit NOUN issue-9 137 2 policy policy NOUN issue-9 137 3 is be AUX issue-9 137 4 a a DET issue-9 137 5 system system NOUN issue-9 137 6 of of ADP issue-9 137 7 management management NOUN issue-9 137 8 solutions solution NOUN issue-9 137 9 , , PUNCT issue-9 137 10 program program NOUN issue-9 137 11 of of ADP issue-9 137 12 actions action NOUN issue-9 137 13 that that PRON issue-9 137 14 contains contain VERB issue-9 137 15 the the DET issue-9 137 16 activities activity NOUN issue-9 137 17 of of ADP issue-9 137 18 the the DET issue-9 137 19 bank bank NOUN issue-9 137 20 in in ADP issue-9 137 21 carrying carry VERB issue-9 137 22 out out ADP issue-9 137 23 deposit deposit NOUN issue-9 137 24 operations operation NOUN issue-9 137 25 . . PUNCT issue-9 138 1 it it PRON issue-9 138 2 plays play VERB issue-9 138 3 major major ADJ issue-9 138 4 role role NOUN issue-9 138 5 in in ADP issue-9 138 6 bank bank NOUN issue-9 138 7 activity activity NOUN issue-9 138 8 and and CCONJ issue-9 138 9 competitiveness competitiveness NOUN issue-9 138 10 . . PUNCT issue-9 139 1 the the DET issue-9 139 2 optimal optimal ADJ issue-9 139 3 ratio ratio NOUN issue-9 139 4 between between ADP issue-9 139 5 the the DET issue-9 139 6 main main ADJ issue-9 139 7 components component NOUN issue-9 139 8 of of ADP issue-9 139 9 the the DET issue-9 139 10 resource resource NOUN issue-9 139 11 base base NOUN issue-9 139 12 , , PUNCT issue-9 139 13 which which PRON issue-9 139 14 is be AUX issue-9 139 15 the the DET issue-9 139 16 basis basis NOUN issue-9 139 17 of of ADP issue-9 139 18 deposits deposit NOUN issue-9 139 19 , , PUNCT issue-9 139 20 promotes promote VERB issue-9 139 21 optimization optimization NOUN issue-9 139 22 model model NOUN issue-9 139 23 resource resource NOUN issue-9 139 24 providing provide VERB issue-9 139 25 commercial commercial ADJ issue-9 139 26 bank bank NOUN issue-9 139 27 . . PUNCT issue-9 140 1 sufficient sufficient ADJ issue-9 140 2 resources resource NOUN issue-9 140 3 enable enable VERB issue-9 140 4 banking banking NOUN issue-9 140 5 institutions institution NOUN issue-9 140 6 to to PART issue-9 140 7 effectively effectively ADV issue-9 140 8 perform perform VERB issue-9 140 9 its its PRON issue-9 140 10 functions function NOUN issue-9 140 11 and and CCONJ issue-9 140 12 achieve achieve VERB issue-9 140 13 the the DET issue-9 140 14 main main ADJ issue-9 140 15 goal goal NOUN issue-9 140 16 , , PUNCT issue-9 140 17 which which PRON issue-9 140 18 is be AUX issue-9 140 19 to to PART issue-9 140 20 profit profit VERB issue-9 140 21 at at ADP issue-9 140 22 the the DET issue-9 140 23 expense expense NOUN issue-9 140 24 of of ADP issue-9 140 25 active active ADJ issue-9 140 26 operations operation NOUN issue-9 140 27 . . PUNCT issue-9 141 1 thus thus ADV issue-9 141 2 enough enough ADJ issue-9 141 3 resources resource NOUN issue-9 141 4 in in ADP issue-9 141 5 the the DET issue-9 141 6 banking banking NOUN issue-9 141 7 institution institution NOUN issue-9 141 8 will will AUX issue-9 141 9 maintain maintain VERB issue-9 141 10 its its PRON issue-9 141 11 liquidity liquidity NOUN issue-9 141 12 and and CCONJ issue-9 141 13 reliability reliability NOUN issue-9 141 14 , , PUNCT issue-9 141 15 as as ADV issue-9 141 16 well well ADV issue-9 141 17 as as ADP issue-9 141 18 neutralize neutralize VERB issue-9 141 19 certain certain ADJ issue-9 141 20 risks risk NOUN issue-9 141 21 inherent inherent ADJ issue-9 141 22 in in ADP issue-9 141 23 the the DET issue-9 141 24 banking banking NOUN issue-9 141 25 sector sector NOUN issue-9 141 26 . . PUNCT issue-9 142 1 table table NOUN issue-9 142 2 1 1 NUM issue-9 142 3 deposit deposit NOUN issue-9 142 4 policy policy NOUN issue-9 142 5 of of ADP issue-9 142 6 ukrainian ukrainian ADJ issue-9 142 7 banks bank NOUN issue-9 142 8 # # NOUN issue-9 142 9 bank bank NOUN issue-9 142 10 payment payment NOUN issue-9 142 11 of of ADP issue-9 142 12 interest interest NOUN issue-9 142 13 possibility possibility NOUN issue-9 142 14 of of ADP issue-9 142 15 early early ADJ issue-9 142 16 withdrawal withdrawal NOUN issue-9 142 17 or or CCONJ issue-9 142 18 recharge recharge VERB issue-9 142 19 investment investment NOUN issue-9 142 20 terms term NOUN issue-9 142 21 annual annual ADJ issue-9 142 22 rate rate NOUN issue-9 142 23 , , PUNCT issue-9 142 24 for for ADP issue-9 142 25 deposits deposit NOUN issue-9 142 26 in in ADP issue-9 142 27 uah uah ADJ issue-9 142 28 , , PUNCT issue-9 142 29 % % NOUN issue-9 142 30 annual annual ADJ issue-9 142 31 rate rate NOUN issue-9 142 32 , , PUNCT issue-9 142 33 for for ADP issue-9 142 34 deposits deposit NOUN issue-9 142 35 in in ADP issue-9 142 36 usd usd NOUN issue-9 142 37 , , PUNCT issue-9 142 38 % % PROPN issue-9 142 39 bank bank NOUN issue-9 142 40 ’s ’s PART issue-9 142 41 part part NOUN issue-9 142 42 in in ADP issue-9 142 43 the the DET issue-9 142 44 market market NOUN issue-9 142 45 of of ADP issue-9 142 46 retail retail ADJ issue-9 142 47 deposits deposit NOUN issue-9 142 48 1 1 NUM issue-9 142 49 . . PUNCT issue-9 142 50 “ " PUNCT issue-9 142 51 privatbank privatbank NOUN issue-9 142 52 ” " PUNCT issue-9 142 53 monthly monthly ADJ issue-9 142 54 recharge recharge NOUN issue-9 142 55 1 1 NUM issue-9 142 56 - - SYM issue-9 142 57 12 12 NUM issue-9 142 58 months month NOUN issue-9 142 59 24 24 NUM issue-9 142 60 12 12 NUM issue-9 142 61 25,48 25,48 NUM issue-9 142 62 2 2 NUM issue-9 142 63 . . PUNCT issue-9 143 1 “ " PUNCT issue-9 143 2 oschadbank oschadbank PROPN issue-9 143 3 ” " PUNCT issue-9 143 4 monthly monthly ADJ issue-9 143 5 6 6 NUM issue-9 143 6 - - SYM issue-9 143 7 36 36 NUM issue-9 143 8 months month NOUN issue-9 143 9 21 21 NUM issue-9 143 10 9,5 9,5 NUM issue-9 143 11 8,66 8,66 NUM issue-9 143 12 3 3 NUM issue-9 143 13 . . PUNCT issue-9 144 1 “ " PUNCT issue-9 144 2 ukreximbank ukreximbank NOUN issue-9 144 3 ” " PUNCT issue-9 144 4 monthly monthly ADJ issue-9 144 5 withdrawal withdrawal NOUN issue-9 144 6 , , PUNCT issue-9 144 7 recharge recharge VERB issue-9 144 8 6 6 NUM issue-9 144 9 - - SYM issue-9 144 10 12 12 NUM issue-9 144 11 months month NOUN issue-9 144 12 18,4 18,4 PROPN issue-9 145 1 6,75 6,75 NUM issue-9 145 2 5,17 5,17 NUM issue-9 145 3 4 4 NUM issue-9 145 4 . . PUNCT issue-9 146 1 “ " PUNCT issue-9 146 2 raiffeisen raiffeisen PROPN issue-9 146 3 bank bank PROPN issue-9 146 4 aval aval NOUN issue-9 146 5 ” " PUNCT issue-9 146 6 on on ADP issue-9 146 7 the the DET issue-9 146 8 day day NOUN issue-9 146 9 of of ADP issue-9 146 10 the the DET issue-9 146 11 deposit deposit NOUN issue-9 146 12 term term NOUN issue-9 146 13 end end NOUN issue-9 146 14 withdrawal withdrawal PROPN issue-9 146 15 , , PUNCT issue-9 146 16 recharge recharge VERB issue-9 146 17 12 12 NUM issue-9 146 18 months month NOUN issue-9 146 19 14 14 NUM issue-9 146 20 3 3 NUM issue-9 146 21 3,36 3,36 NUM issue-9 146 22 5 5 NUM issue-9 146 23 . . PUNCT issue-9 147 1 “ " PUNCT issue-9 147 2 ukrgasbank ukrgasbank NOUN issue-9 147 3 ” " PUNCT issue-9 147 4 monthly monthly ADJ issue-9 147 5 recharge recharge VERB issue-9 147 6 6 6 NUM issue-9 147 7 - - SYM issue-9 147 8 12 12 NUM issue-9 147 9 months month NOUN issue-9 147 10 23 23 NUM issue-9 147 11 11 11 NUM issue-9 147 12 1,62 1,62 NUM issue-9 147 13 baltic baltic PROPN issue-9 147 14 journal journal PROPN issue-9 147 15 of of ADP issue-9 147 16 economic economic ADJ issue-9 147 17 studies study NOUN issue-9 147 18 46 46 NUM issue-9 147 19 vol vol NOUN issue-9 147 20 . . PROPN issue-9 148 1 1 1 NUM issue-9 148 2 , , PUNCT issue-9 148 3 2015 2015 NUM issue-9 148 4 references reference NOUN issue-9 148 5 alekseev alekseev NOUN issue-9 148 6 , , PUNCT issue-9 148 7 a. a. NOUN issue-9 148 8 ( ( PUNCT issue-9 148 9 2012 2012 NUM issue-9 148 10 , , PUNCT issue-9 148 11 september september PROPN issue-9 148 12 14 14 NUM issue-9 148 13 ) ) PUNCT issue-9 148 14 . . PUNCT issue-9 149 1 autumn autumn PROPN issue-9 149 2 savings saving NOUN issue-9 149 3 : : PUNCT issue-9 149 4 how how SCONJ issue-9 149 5 to to PART issue-9 149 6 preserve preserve VERB issue-9 149 7 and and CCONJ issue-9 149 8 multiply multiply NOUN issue-9 149 9 ? ? PUNCT issue-9 150 1 mirror mirror NOUN issue-9 150 2 of of ADP issue-9 150 3 the the DET issue-9 150 4 week week NOUN issue-9 150 5 . . PUNCT issue-9 151 1 ukraine ukraine PROPN issue-9 151 2 , , PUNCT issue-9 151 3 32 32 NUM issue-9 151 4 . . PUNCT issue-9 151 5 retrieved retrieve VERB issue-9 151 6 from from ADP issue-9 151 7 http://zn.ua/economics/osennie_sberezheniya__kak_sohranit http://zn.ua/economics/osennie_sberezheniya__kak_sohranit PROPN issue-9 151 8 _ _ SYM issue-9 151 9 i_priumnozhit-108763.html i_priumnozhit-108763.html PROPN issue-9 151 10 . . PUNCT issue-9 152 1 barr barr PROPN issue-9 152 2 , , PUNCT issue-9 152 3 nicholas nicholas PROPN issue-9 152 4 ( ( PUNCT issue-9 152 5 2001 2001 NUM issue-9 152 6 ) ) PUNCT issue-9 152 7 . . PUNCT issue-9 153 1 the the DET issue-9 153 2 welfare welfare NOUN issue-9 153 3 state state NOUN issue-9 153 4 as as ADP issue-9 153 5 piggy piggy PROPN issue-9 153 6 bank bank PROPN issue-9 153 7 : : PUNCT issue-9 153 8 inform inform NOUN issue-9 153 9 . . PUNCT issue-9 153 10 , , PUNCT issue-9 153 11 risk risk NOUN issue-9 153 12 , , PUNCT issue-9 153 13 uncertainty uncertainty NOUN issue-9 153 14 , , PUNCT issue-9 153 15 the the DET issue-9 153 16 role role NOUN issue-9 153 17 of of ADP issue-9 153 18 the the DET issue-9 153 19 state state NOUN issue-9 153 20 : : PUNCT issue-9 153 21 195 195 NUM issue-9 153 22 - - SYM issue-9 153 23 200 200 NUM issue-9 153 24 . . PUNCT issue-9 154 1 basic basic ADJ issue-9 154 2 indicators indicator NOUN issue-9 154 3 of of ADP issue-9 154 4 banks bank NOUN issue-9 154 5 in in ADP issue-9 154 6 ukraine ukraine NOUN issue-9 154 7 ( ( PUNCT issue-9 154 8 2015 2015 NUM issue-9 154 9 ) ) PUNCT issue-9 154 10 . . PUNCT issue-9 155 1 retrieved retrieve VERB issue-9 155 2 from from ADP issue-9 155 3 http://www.bank.gov.ua/control/uk/publish/ http://www.bank.gov.ua/control/uk/publish/ ADJ issue-9 155 4 article?art_id=36807&cat_id=36798 article?art_id=36807&cat_id=36798 NOUN issue-9 155 5 batrakova batrakova NOUN issue-9 155 6 , , PUNCT issue-9 155 7 l. l. PROPN issue-9 155 8 ( ( PUNCT issue-9 155 9 2009 2009 NUM issue-9 155 10 ) ) PUNCT issue-9 155 11 . . PUNCT issue-9 156 1 the the DET issue-9 156 2 constituent constituent ADJ issue-9 156 3 elements element NOUN issue-9 156 4 of of ADP issue-9 156 5 an an DET issue-9 156 6 effective effective ADJ issue-9 156 7 resource resource NOUN issue-9 156 8 policy policy NOUN issue-9 156 9 of of ADP issue-9 156 10 commercial commercial ADJ issue-9 156 11 banks bank NOUN issue-9 156 12 . . PUNCT issue-9 157 1 regional regional ADJ issue-9 157 2 economics economic NOUN issue-9 157 3 , , PUNCT issue-9 157 4 3 3 NUM issue-9 157 5 : : SYM issue-9 157 6 115 115 NUM issue-9 157 7 - - SYM issue-9 157 8 122 122 NUM issue-9 157 9 . . PUNCT issue-9 158 1 demirgüç demirgüç PROPN issue-9 158 2 - - PUNCT issue-9 158 3 kunt kunt PROPN issue-9 158 4 , , PUNCT issue-9 158 5 asli asli PROPN issue-9 158 6 ( ( PUNCT issue-9 158 7 2006 2006 NUM issue-9 158 8 ) ) PUNCT issue-9 158 9 . . PUNCT issue-9 159 1 determinantes determinante NOUN issue-9 159 2 of of ADP issue-9 159 3 deposit deposit NOUN issue-9 159 4 - - PUNCT issue-9 159 5 insurance insurance NOUN issue-9 159 6 adoption adoption NOUN issue-9 159 7 and and CCONJ issue-9 159 8 design design NOUN issue-9 159 9 : : PUNCT issue-9 159 10 72 72 NUM issue-9 159 11 - - SYM issue-9 159 12 73 73 NUM issue-9 159 13 . . PUNCT issue-9 160 1 dziubliuk dziubliuk PROPN issue-9 160 2 , , PUNCT issue-9 160 3 o. o. NOUN issue-9 160 4 ( ( PUNCT issue-9 160 5 2008 2008 NUM issue-9 160 6 ) ) PUNCT issue-9 160 7 . . PUNCT issue-9 161 1 optimizing optimize VERB issue-9 161 2 the the DET issue-9 161 3 formation formation NOUN issue-9 161 4 of of ADP issue-9 161 5 the the DET issue-9 161 6 resource resource NOUN issue-9 161 7 base base NOUN issue-9 161 8 of of ADP issue-9 161 9 commercial commercial ADJ issue-9 161 10 banks bank NOUN issue-9 161 11 . . PUNCT issue-9 162 1 banking banking NOUN issue-9 162 2 , , PUNCT issue-9 162 3 5 5 NUM issue-9 162 4 : : SYM issue-9 162 5 38 38 NUM issue-9 162 6 - - SYM issue-9 162 7 46 46 NUM issue-9 162 8 . . PUNCT issue-9 163 1 information information NOUN issue-9 163 2 on on ADP issue-9 163 3 financial financial ADJ issue-9 163 4 support support NOUN issue-9 163 5 to to ADP issue-9 163 6 banks bank NOUN issue-9 163 7 ’ ' PUNCT issue-9 163 8 liquidity liquidity NOUN issue-9 163 9 provided provide VERB issue-9 163 10 by by ADP issue-9 163 11 the the DET issue-9 163 12 national national PROPN issue-9 163 13 bank bank PROPN issue-9 163 14 of of ADP issue-9 163 15 ukraine ukraine PROPN issue-9 163 16 . . PUNCT issue-9 164 1 retried retry VERB issue-9 164 2 from from ADP issue-9 164 3 http://www.bank.gov.ua/doccatalog/document?id=16283713 http://www.bank.gov.ua/doccatalog/document?id=16283713 PROPN issue-9 164 4 fursova fursova PROPN issue-9 164 5 , , PUNCT issue-9 164 6 v. v. PROPN issue-9 164 7 ( ( PUNCT issue-9 164 8 2011 2011 NUM issue-9 164 9 ) ) PUNCT issue-9 164 10 . . PUNCT issue-9 165 1 formation formation NOUN issue-9 165 2 of of ADP issue-9 165 3 the the DET issue-9 165 4 resource resource NOUN issue-9 165 5 base base NOUN issue-9 165 6 of of ADP issue-9 165 7 commercial commercial ADJ issue-9 165 8 banks bank NOUN issue-9 165 9 : : PUNCT issue-9 165 10 current current ADJ issue-9 165 11 state state NOUN issue-9 165 12 and and CCONJ issue-9 165 13 prospects prospect NOUN issue-9 165 14 of of ADP issue-9 165 15 development development NOUN issue-9 165 16 . . PUNCT issue-9 166 1 open open ADJ issue-9 166 2 information information NOUN issue-9 166 3 and and CCONJ issue-9 166 4 computer computer NOUN issue-9 166 5 integrated integrate VERB issue-9 166 6 technologies technology NOUN issue-9 166 7 , , PUNCT issue-9 166 8 50 50 NUM issue-9 166 9 : : SYM issue-9 166 10 118 118 NUM issue-9 166 11 - - SYM issue-9 166 12 124 124 NUM issue-9 166 13 . . PUNCT issue-9 167 1 main main ADJ issue-9 167 2 trends trend NOUN issue-9 167 3 for for ADP issue-9 167 4 monetary monetary ADJ issue-9 167 5 market market NOUN issue-9 167 6 in in ADP issue-9 167 7 ukraine ukraine PROPN issue-9 167 8 . . PUNCT issue-9 168 1 retried retry VERB issue-9 168 2 from from ADP issue-9 168 3 http://www.bank.gov.ua/control/uk/publish/ http://www.bank.gov.ua/control/uk/publish/ ADJ issue-9 168 4 article?art_id=14716098&cat_id=58038 article?art_id=14716098&cat_id=58038 NOUN issue-9 168 5 shihata shihata NOUN issue-9 168 6 , , PUNCT issue-9 168 7 ibrahim ibrahim PROPN issue-9 168 8 f.i f.i PROPN issue-9 168 9 . . PUNCT issue-9 169 1 ( ( PUNCT issue-9 169 2 2000 2000 NUM issue-9 169 3 ) ) PUNCT issue-9 169 4 the the DET issue-9 169 5 world world PROPN issue-9 169 6 bank bank PROPN issue-9 169 7 inspection inspection NOUN issue-9 169 8 panel panel NOUN issue-9 169 9 : : PUNCT issue-9 169 10 in in ADP issue-9 169 11 practice practice NOUN issue-9 169 12 : : PUNCT issue-9 169 13 41 41 NUM issue-9 169 14 - - SYM issue-9 169 15 45 45 NUM issue-9 169 16 . . PUNCT issue-9 170 1 ukrainian ukrainian ADJ issue-9 170 2 index index NOUN issue-9 170 3 on on ADP issue-9 170 4 interest interest NOUN issue-9 170 5 rates rate NOUN issue-9 170 6 for for ADP issue-9 170 7 individuals individual NOUN issue-9 170 8 . . PUNCT issue-9 171 1 retried retry VERB issue-9 171 2 from from ADP issue-9 171 3 http://www.bank.gov.ua/control/uk/index http://www.bank.gov.ua/control/uk/index PROPN issue-9 171 4 надежда надежда NOUN issue-9 171 5 бова бова NUM issue-9 171 6 роль роль NOUN issue-9 171 7 депозитной депозитной NOUN issue-9 171 8 политики политики NOUN issue-9 171 9 для для PROPN issue-9 171 10 банковских банковских PROPN issue-9 171 11 учреждений учреждений PROPN issue-9 171 12 украины украины PROPN issue-9 171 13 аннотация аннотация NOUN issue-9 171 14 . . PUNCT issue-9 172 1 цель цель NUM issue-9 172 2 данной данной ADJ issue-9 172 3 работы работы PROPN issue-9 172 4 является является PROPN issue-9 172 5 определение определение PROPN issue-9 172 6 роли роли PROPN issue-9 172 7 депозитной депозитной PROPN issue-9 172 8 политики политики PROPN issue-9 172 9 для для PROPN issue-9 172 10 банковских банковских PROPN issue-9 172 11 учреждений учреждений PROPN issue-9 172 12 . . PUNCT issue-9 173 1 для для PROPN issue-9 173 2 этого этого PROPN issue-9 173 3 , , PUNCT issue-9 173 4 необходимо необходимо ADJ issue-9 173 5 обобщить обобщить PROPN issue-9 173 6 и и PROPN issue-9 173 7 выделить выделить PROPN issue-9 173 8 проблемы проблемы PROPN issue-9 173 9 депозитной депозитной PROPN issue-9 173 10 политики политики PROPN issue-9 173 11 украины украины NOUN issue-9 173 12 , , PUNCT issue-9 173 13 а а PROPN issue-9 173 14 также также PROPN issue-9 173 15 найти найти VERB issue-9 173 16 способы способы ADV issue-9 173 17 их их PROPN issue-9 173 18 решения решения ADJ issue-9 173 19 . . PUNCT issue-9 174 1 депозитная депозитная ADJ issue-9 174 2 политика политика PROPN issue-9 174 3 тесно тесно PROPN issue-9 174 4 взаимосвязана взаимосвязана NOUN issue-9 174 5 и и PROPN issue-9 174 6 взаимозависима взаимозависима VERB issue-9 174 7 от от PRON issue-9 174 8 экономического экономического NOUN issue-9 174 9 спада спада NOUN issue-9 174 10 и и PROPN issue-9 174 11 имеет имеет NOUN issue-9 174 12 влияние влияние PROPN issue-9 174 13 на на PROPN issue-9 174 14 восстановление восстановление PROPN issue-9 174 15 банковской банковской VERB issue-9 174 16 системы системы PROPN issue-9 174 17 . . PUNCT issue-9 175 1 адекватный адекватный PROPN issue-9 175 2 выбор выбор VERB issue-9 175 3 и и PROPN issue-9 175 4 реализация реализация PROPN issue-9 175 5 целей целей PROPN issue-9 175 6 депозитной депозитной PROPN issue-9 175 7 политики политики NOUN issue-9 175 8 , , PUNCT issue-9 175 9 ее ее PRON issue-9 175 10 операционной операционной ADJ issue-9 175 11 структуры структуры ADJ issue-9 175 12 и и PROPN issue-9 175 13 инструментов инструментов ADJ issue-9 175 14 определяется определяется ADJ issue-9 175 15 степенью степенью NOUN issue-9 175 16 развития развития NOUN issue-9 175 17 финансовой финансовой VERB issue-9 175 18 инклюзивности инклюзивности PROPN issue-9 175 19 , , PUNCT issue-9 175 20 благодаря благодаря PROPN issue-9 175 21 которой которой VERB issue-9 175 22 создается создается PROPN issue-9 175 23 клиентооринтований клиентооринтований PROPN issue-9 175 24 финансовый финансовый PROPN issue-9 175 25 рынок рынок PROPN issue-9 175 26 , , PUNCT issue-9 175 27 обеспечивает обеспечивает PROPN issue-9 175 28 доверие доверие PROPN issue-9 175 29 населения населения PROPN issue-9 175 30 к к X issue-9 175 31 депозитным депозитным PROPN issue-9 175 32 услуг услуг PROPN issue-9 175 33 и и PROPN issue-9 175 34 повышает повышает PROPN issue-9 175 35 уровень уровень PROPN issue-9 175 36 сбережений сбережений PROPN issue-9 175 37 , , PUNCT issue-9 175 38 что что NOUN issue-9 175 39 положительно положительно X issue-9 175 40 влияет влияет X issue-9 175 41 на на PROPN issue-9 175 42 финансовую финансовую ADV issue-9 175 43 устойчивость устойчивость PROPN issue-9 175 44 банковской банковской VERB issue-9 175 45 системы системы NOUN issue-9 175 46 и и PROPN issue-9 175 47 экономики экономики VERB issue-9 175 48 в в PROPN issue-9 175 49 стране стране PROPN issue-9 175 50 в в PROPN issue-9 175 51 целом целом PROPN issue-9 175 52 . . PUNCT issue-9 176 1 именно именно PROPN issue-9 176 2 из из PROPN issue-9 176 3 - - PUNCT issue-9 176 4 за за NOUN issue-9 176 5 доступности доступности PROPN issue-9 177 1 и и PROPN issue-9 177 2 защищенности защищенности PROPN issue-9 177 3 депозитных депозитных PROPN issue-9 177 4 услуг услуг PROPN issue-9 177 5 коммерческие коммерческие PROPN issue-9 177 6 банки банки PROPN issue-9 177 7 украины украины VERB issue-9 177 8 имеют имеют PROPN issue-9 177 9 возможность возможность VERB issue-9 177 10 увеличить увеличить PROPN issue-9 177 11 свою свою PROPN issue-9 177 12 ресурсную ресурсную PROPN issue-9 177 13 базу базу PROPN issue-9 177 14 за за ADP issue-9 177 15 счет счет NOUN issue-9 177 16 привлечения привлечения VERB issue-9 177 17 средств средств ADJ issue-9 177 18 населения населения ADJ issue-9 177 19 . . PUNCT issue-9 178 1 методология методология NOUN issue-9 178 2 . . PUNCT issue-9 179 1 эта эта PROPN issue-9 179 2 работа работа VERB issue-9 179 3 основана основана PROPN issue-9 179 4 на на PROPN issue-9 179 5 синтезе синтезе PROPN issue-9 179 6 данных данных PROPN issue-9 179 7 для для PROPN issue-9 179 8 изучения изучения PROPN issue-9 179 9 ситуации ситуации VERB issue-9 179 10 по по PROPN issue-9 179 11 привлечению привлечению NOUN issue-9 179 12 депозитов депозитов PROPN issue-9 179 13 в в PROPN issue-9 179 14 банках банках X issue-9 179 15 . . PUNCT issue-9 180 1 рассмотрены рассмотрены PROPN issue-9 180 2 научные научные PROPN issue-9 180 3 и и PROPN issue-9 180 4 теоретические теоретические NUM issue-9 180 5 подходы подходы NOUN issue-9 180 6 к к NOUN issue-9 180 7 разработке разработке PROPN issue-9 180 8 управленческих управленческих PROPN issue-9 180 9 решений решений PROPN issue-9 180 10 по по PROPN issue-9 180 11 депозитной депозитной NOUN issue-9 180 12 политике политике NOUN issue-9 180 13 . . PUNCT issue-9 181 1 работа работа ADJ issue-9 181 2 содержит содержит PROPN issue-9 181 3 анализ анализ PROPN issue-9 181 4 динамики динамики PROPN issue-9 181 5 и и PROPN issue-9 181 6 текущей текущей PROPN issue-9 181 7 ситуации ситуации VERB issue-9 181 8 и и PROPN issue-9 181 9 условий условий VERB issue-9 181 10 ресурсного ресурсного ADJ issue-9 181 11 потенциала потенциала ADJ issue-9 181 12 банковских банковских NOUN issue-9 181 13 учреждений учреждений PROPN issue-9 181 14 в в PROPN issue-9 181 15 украине украине PROPN issue-9 181 16 . . PROPN issue-9 181 17 результаты результаты PROPN issue-9 181 18 статьи статьи NOUN issue-9 181 19 показывают показывают ADV issue-9 181 20 прямую прямую PROPN issue-9 181 21 зависимость зависимость PROPN issue-9 181 22 между между PROPN issue-9 181 23 сбережениями сбережениями PROPN issue-9 181 24 , , PUNCT issue-9 181 25 потреблением потреблением NOUN issue-9 181 26 и и PROPN issue-9 181 27 депозитной депозитной NOUN issue-9 181 28 политикой политикой NOUN issue-9 181 29 , , PUNCT issue-9 181 30 поэтому поэтому PROPN issue-9 181 31 каждое каждое NOUN issue-9 181 32 банковское банковское X issue-9 181 33 учреждение учреждение VERB issue-9 181 34 включает включает PROPN issue-9 181 35 в в PROPN issue-9 182 1 себя себя PROPN issue-9 182 2 механизм механизм PROPN issue-9 182 3 банковского банковского PROPN issue-9 182 4 управления управления PROPN issue-9 182 5 разработки разработки PROPN issue-9 182 6 и и PROPN issue-9 182 7 реализации реализации ADJ issue-9 182 8 депозитной депозитной NOUN issue-9 182 9 политики политики NOUN issue-9 182 10 . . PUNCT issue-9 183 1 кроме кроме PROPN issue-9 183 2 того того PROPN issue-9 183 3 , , PUNCT issue-9 183 4 это это INTJ issue-9 183 5 управление управление NOUN issue-9 183 6 определяет определяет VERB issue-9 183 7 направления направления PROPN issue-9 183 8 депозитной депозитной NOUN issue-9 183 9 политики политики NOUN issue-9 183 10 в в PROPN issue-9 183 11 соответствии соответствии VERB issue-9 183 12 с с PROPN issue-9 183 13 условиями условиями PROPN issue-9 183 14 мобилизации мобилизации ADJ issue-9 183 15 ресурсов ресурсов NOUN issue-9 183 16 и и PROPN issue-9 183 17 её её DET issue-9 183 18 банковское банковское PROPN issue-9 183 19 применение применение PROPN issue-9 183 20 в в PROPN issue-9 183 21 активных активных VERB issue-9 183 22 операциях операциях PROPN issue-9 183 23 банка банка PROPN issue-9 183 24 . . PUNCT issue-9 184 1 полученные полученные NOUN issue-9 184 2 результаты результаты PROPN issue-9 184 3 подтверждают подтверждают ADV issue-9 184 4 , , PUNCT issue-9 184 5 что что NOUN issue-9 184 6 термин термин ADJ issue-9 184 7 " " PUNCT issue-9 184 8 депозитная депозитная ADJ issue-9 184 9 политика политика ADJ issue-9 184 10 " " PUNCT issue-9 184 11 является является NOUN issue-9 184 12 слишком слишком ADJ issue-9 184 13 сложным сложным PROPN issue-9 184 14 , , PUNCT issue-9 184 15 но но ADP issue-9 184 16 исследуется исследуется ADJ issue-9 184 17 во во NUM issue-9 184 18 взаимодействии взаимодействии ADJ issue-9 184 19 с с PROPN issue-9 184 20 банковской банковской PROPN issue-9 184 21 деятельностью деятельностью PROPN issue-9 184 22 . . PUNCT issue-9 185 1 термин термин PROPN issue-9 185 2 « « PUNCT issue-9 185 3 депозитная депозитная ADJ issue-9 185 4 политика политика NOUN issue-9 185 5 » » PUNCT issue-9 185 6 рассматривается рассматривается ADJ issue-9 185 7 в в PROPN issue-9 185 8 статье статье PROPN issue-9 185 9 с с PROPN issue-9 185 10 разных разных PROPN issue-9 185 11 точек точек NOUN issue-9 185 12 зрения зрения NOUN issue-9 185 13 , , PUNCT issue-9 185 14 используя используя NOUN issue-9 185 15 разные разные NOUN issue-9 185 16 критерии критерии PROPN issue-9 185 17 и и PROPN issue-9 185 18 подходы подходы NOUN issue-9 185 19 . . PUNCT issue-9 186 1 автор автор NOUN issue-9 186 2 объясняет объясняет NOUN issue-9 186 3 , , PUNCT issue-9 186 4 как как VERB issue-9 186 5 депозитная депозитная ADJ issue-9 186 6 политика политика PROPN issue-9 186 7 влияет влияет PROPN issue-9 186 8 на на PROPN issue-9 186 9 банковскую банковскую PROPN issue-9 186 10 систему систему NOUN issue-9 186 11 и и PROPN issue-9 186 12 оказывает оказывает ADJ issue-9 186 13 влияние влияние NOUN issue-9 186 14 на на PROPN issue-9 186 15 экономический экономический VERB issue-9 186 16 рост рост PROPN issue-9 186 17 в в PROPN issue-9 186 18 целом целом PROPN issue-9 186 19 . . PUNCT issue-9 187 1 практическое практическое PROPN issue-9 187 2 значение значение PROPN issue-9 187 3 . . PUNCT issue-9 188 1 исследование исследование PROPN issue-9 188 2 создает создает PROPN issue-9 188 3 методологические методологические PROPN issue-9 188 4 подходы подходы PROPN issue-9 188 5 к к PROPN issue-9 188 6 измерению измерению PROPN issue-9 188 7 эффективности эффективности PROPN issue-9 188 8 депозитной депозитной NOUN issue-9 188 9 политики политики PROPN issue-9 188 10 . . PUNCT issue-9 189 1 кроме кроме PROPN issue-9 189 2 того того PROPN issue-9 189 3 , , PUNCT issue-9 189 4 оно оно NOUN issue-9 189 5 изучает изучает PROPN issue-9 189 6 существующие существующие PROPN issue-9 189 7 и и PROPN issue-9 189 8 предлагает предлагает ADJ issue-9 189 9 новые новые PROPN issue-9 189 10 подходы подходы PROPN issue-9 189 11 для для PROPN issue-9 189 12 повышения повышения VERB issue-9 189 13 эффективности эффективности NOUN issue-9 189 14 банковского банковского NOUN issue-9 189 15 менеджмента менеджмента NOUN issue-9 189 16 . . PUNCT issue-9 190 1 это это INTJ issue-9 190 2 дает дает ADJ issue-9 190 3 возможность возможность ADJ issue-9 190 4 определить определить NOUN issue-9 190 5 , , PUNCT issue-9 190 6 какие какие PROPN issue-9 190 7 из из PROPN issue-9 190 8 подходов подходов VERB issue-9 190 9 работают работают PROPN issue-9 190 10 в в PROPN issue-9 190 11 нестабильной нестабильной PROPN issue-9 190 12 экономической экономической PROPN issue-9 190 13 ситуации ситуации VERB issue-9 190 14 , , PUNCT issue-9 190 15 а а PROPN issue-9 190 16 какие какие PROPN issue-9 190 17 нет нет PROPN issue-9 190 18 . . PUNCT issue-9 191 1 эта эта PROPN issue-9 191 2 статья статья PROPN issue-9 191 3 имеет имеет NOUN issue-9 191 4 за за ADP issue-9 191 5 цель цель PROPN issue-9 191 6 оценить оценить PROPN issue-9 191 7 возможности возможности PROPN issue-9 191 8 депозитной депозитной PROPN issue-9 191 9 политики политики VERB issue-9 191 10 в в PROPN issue-9 191 11 балансировании балансировании NUM issue-9 191 12 и и PROPN issue-9 191 13 обеспечения обеспечения ADJ issue-9 191 14 финансовой финансовой NOUN issue-9 191 15 стабильности стабильности PROPN issue-9 191 16 банковской банковской VERB issue-9 191 17 системы системы NOUN issue-9 191 18 украины украины PROPN issue-9 191 19 в в PROPN issue-9 191 20 период период PROPN issue-9 191 21 экономического экономического VERB issue-9 191 22 роста роста VERB issue-9 191 23 и и PROPN issue-9 191 24 во во NUM issue-9 191 25 время время PROPN issue-9 191 26 финансовой финансовой PROPN issue-9 191 27 нестабильности нестабильности PROPN issue-9 191 28 . . PUNCT issue-9 192 1 значение значение PROPN issue-9 192 2 / / SYM issue-9 192 3 оригинальность оригинальность PROPN issue-9 192 4 . . PUNCT issue-9 193 1 несмотря несмотря PROPN issue-9 193 2 на на PROPN issue-9 193 3 наличие наличие PROPN issue-9 193 4 существенного существенного NOUN issue-9 193 5 научного научного NOUN issue-9 193 6 задела задела NOUN issue-9 193 7 в в PROPN issue-9 193 8 данном данном PROPN issue-9 193 9 направлении направлении PROPN issue-9 193 10 , , PUNCT issue-9 193 11 на на PROPN issue-9 193 12 сегодня сегодня PROPN issue-9 193 13 в в PROPN issue-9 193 14 научной научной PROPN issue-9 193 15 литературе литературе VERB issue-9 193 16 нет нет PROPN issue-9 193 17 устоявшегося устоявшегося PROPN issue-9 193 18 и и PROPN issue-9 193 19 комплексного комплексного ADJ issue-9 193 20 видения видения NOUN issue-9 193 21 относительно относительно PROPN issue-9 193 22 необходимой необходимой PROPN issue-9 193 23 направленности направленности PROPN issue-9 193 24 и и PROPN issue-9 193 25 механизмов механизмов ADV issue-9 193 26 влияния влияния PROPN issue-9 193 27 депозитной депозитной NOUN issue-9 193 28 политики политики NOUN issue-9 193 29 на на PROPN issue-9 193 30 банковскую банковскую ADJ issue-9 193 31 систему систему NOUN issue-9 193 32 . . PUNCT issue-9 194 1 это это PRON issue-9 194 2 определяет определяет NOUN issue-9 194 3 потребность потребность VERB issue-9 194 4 в в PROPN issue-9 194 5 формализации формализации VERB issue-9 194 6 концептуальных концептуальных NOUN issue-9 194 7 основ основ PROPN issue-9 194 8 и и PROPN issue-9 194 9 необходимых необходимых VERB issue-9 194 10 условий условий PROPN issue-9 194 11 для для PROPN issue-9 194 12 создания создания PROPN issue-9 194 13 финансовой финансовой VERB issue-9 194 14 инклюзивности инклюзивности PROPN issue-9 194 15 , , PUNCT issue-9 194 16 углубления углубления PROPN issue-9 194 17 научно научно PROPN issue-9 194 18 - - PUNCT issue-9 194 19 методической методической ADJ issue-9 194 20 базы базы PROPN issue-9 194 21 исследования исследования PROPN issue-9 194 22 депозитной депозитной NOUN issue-9 194 23 политики политики NOUN issue-9 194 24 . . PUNCT issue-9 195 1 эта эта PROPN issue-9 195 2 статья статья PROPN issue-9 195 3 предусматривает предусматривает PROPN issue-9 195 4 мнение мнение PROPN issue-9 195 5 автора автора PROPN issue-9 195 6 на на PROPN issue-9 195 7 определение определение PROPN issue-9 195 8 важной важной PROPN issue-9 195 9 роли роли PROPN issue-9 195 10 депозитной депозитной PROPN issue-9 195 11 политики политики NOUN issue-9 195 12 для для PROPN issue-9 195 13 банковских банковских PROPN issue-9 195 14 учреждений учреждений PROPN issue-9 195 15 и и PROPN issue-9 195 16 национальной национальной NOUN issue-9 195 17 экономики экономики NUM issue-9 195 18 в в PROPN issue-9 195 19 целом целом NOUN issue-9 195 20 . . PUNCT