id	sid	tid	token	lemma	pos
cjfa-12561	1	1	copernican	copernican	PROPN
cjfa-12561	1	2	journal	journal	PROPN
cjfa-12561	1	3	of	of	ADP
cjfa-12561	1	4	finance	finance	PROPN
cjfa-12561	1	5	&	&	CCONJ
cjfa-12561	1	6	accounting	accounting	PROPN
cjfa-12561	1	7	e	e	PROPN
cjfa-12561	1	8	-	-	PROPN
cjfa-12561	1	9	issn	issn	PROPN
cjfa-12561	1	10	2300	2300	NUM
cjfa-12561	1	11	-	-	SYM
cjfa-12561	1	12	3065	3065	NUM
cjfa-12561	1	13	p	p	PROPN
cjfa-12561	1	14	-	-	PUNCT
cjfa-12561	1	15	issn	issn	PROPN
cjfa-12561	1	16	2300	2300	NUM
cjfa-12561	1	17	-	-	SYM
cjfa-12561	1	18	12402016	12402016	NUM
cjfa-12561	1	19	,	,	PUNCT
cjfa-12561	1	20	volume	volume	NOUN
cjfa-12561	1	21	5	5	NUM
cjfa-12561	1	22	,	,	PUNCT
cjfa-12561	1	23	issue	issue	NOUN
cjfa-12561	1	24	2	2	NUM
cjfa-12561	1	25	date	date	NOUN
cjfa-12561	1	26	of	of	ADP
cjfa-12561	1	27	submission	submission	NOUN
cjfa-12561	1	28	:	:	PUNCT
cjfa-12561	1	29	december	december	PROPN
cjfa-12561	1	30	27	27	NUM
cjfa-12561	1	31	,	,	PUNCT
cjfa-12561	1	32	2016	2016	NUM
cjfa-12561	1	33	;	;	PUNCT
cjfa-12561	1	34	date	date	NOUN
cjfa-12561	1	35	of	of	ADP
cjfa-12561	1	36	acceptance	acceptance	NOUN
cjfa-12561	1	37	:	:	PUNCT
cjfa-12561	1	38	january	january	PROPN
cjfa-12561	1	39	17	17	NUM
cjfa-12561	1	40	,	,	PUNCT
cjfa-12561	1	41	2017	2017	NUM
cjfa-12561	1	42	.	.	PUNCT
cjfa-12561	2	1	*	*	PUNCT
cjfa-12561	2	2	contact	contact	NOUN
cjfa-12561	2	3	information	information	NOUN
cjfa-12561	2	4	:	:	PUNCT
cjfa-12561	2	5	bodamichal@hotmail.com	bodamichal@hotmail.com	PROPN
cjfa-12561	2	6	,	,	PUNCT
cjfa-12561	2	7	cracow	cracow	PROPN
cjfa-12561	2	8	university	university	PROPN
cjfa-12561	2	9	of	of	ADP
cjfa-12561	2	10	economics	economic	NOUN
cjfa-12561	2	11	,	,	PUNCT
cjfa-12561	2	12	rakowicka	rakowicka	NOUN
cjfa-12561	2	13	20c/182	20c/182	PROPN
cjfa-12561	2	14	,	,	PUNCT
cjfa-12561	2	15	31	31	NUM
cjfa-12561	2	16	-	-	SYM
cjfa-12561	2	17	510	510	NUM
cjfa-12561	2	18	kraków	kraków	NOUN
cjfa-12561	2	19	,	,	PUNCT
cjfa-12561	2	20	poland	poland	PROPN
cjfa-12561	2	21	,	,	PUNCT
cjfa-12561	2	22	phone	phone	NOUN
cjfa-12561	2	23	:	:	PUNCT
cjfa-12561	2	24	+48887622580	+48887622580	PROPN
cjfa-12561	2	25	.	.	PUNCT
cjfa-12561	3	1	boda	boda	PROPN
cjfa-12561	3	2	,	,	PUNCT
cjfa-12561	3	3	m.	m.	NOUN
cjfa-12561	3	4	(	(	PUNCT
cjfa-12561	3	5	2016	2016	NUM
cjfa-12561	3	6	)	)	PUNCT
cjfa-12561	3	7	.	.	PUNCT
cjfa-12561	4	1	the	the	DET
cjfa-12561	4	2	impact	impact	NOUN
cjfa-12561	4	3	of	of	ADP
cjfa-12561	4	4	the	the	DET
cjfa-12561	4	5	2007–2009	2007–2009	NUM
cjfa-12561	4	6	financial	financial	ADJ
cjfa-12561	4	7	crisis	crisis	NOUN
cjfa-12561	4	8	on	on	ADP
cjfa-12561	4	9	risk	risk	NOUN
cjfa-12561	4	10	management	management	NOUN
cjfa-12561	4	11	in	in	ADP
cjfa-12561	4	12	credit	credit	NOUN
cjfa-12561	4	13	institutions	institution	NOUN
cjfa-12561	4	14	.	.	PUNCT
cjfa-12561	5	1	copernican	copernican	PROPN
cjfa-12561	5	2	journal	journal	PROPN
cjfa-12561	5	3	of	of	ADP
cjfa-12561	5	4	finance	finance	PROPN
cjfa-12561	5	5	&	&	CCONJ
cjfa-12561	5	6	accounting	accounting	PROPN
cjfa-12561	5	7	,	,	PUNCT
cjfa-12561	5	8	5(2	5(2	NUM
cjfa-12561	5	9	)	)	PUNCT
cjfa-12561	5	10	,	,	PUNCT
cjfa-12561	5	11	45–56	45–56	NUM
cjfa-12561	5	12	.	.	PUNCT
cjfa-12561	6	1	http://dx.doi.org/10.12775/	http://dx.doi.org/10.12775/	NOUN
cjfa-12561	6	2	cjfa.2016.014	cjfa.2016.014	PROPN
cjfa-12561	6	3	michał	michał	PROPN
cjfa-12561	6	4	boda	boda	PROPN
cjfa-12561	6	5	*	*	PUNCT
cjfa-12561	6	6	cracow	cracow	PROPN
cjfa-12561	6	7	university	university	PROPN
cjfa-12561	6	8	of	of	ADP
cjfa-12561	6	9	economics	economic	NOUN
cjfa-12561	6	10	the	the	DET
cjfa-12561	6	11	impact	impact	NOUN
cjfa-12561	6	12	of	of	ADP
cjfa-12561	6	13	the	the	DET
cjfa-12561	6	14	2007–2009	2007–2009	NUM
cjfa-12561	6	15	financial	financial	ADJ
cjfa-12561	6	16	crisis	crisis	NOUN
cjfa-12561	6	17	on	on	ADP
cjfa-12561	6	18	risk	risk	NOUN
cjfa-12561	6	19	management	management	NOUN
cjfa-12561	6	20	in	in	ADP
cjfa-12561	6	21	credit	credit	NOUN
cjfa-12561	6	22	institutions	institution	NOUN
cjfa-12561	6	23	keywords	keyword	NOUN
cjfa-12561	6	24	:	:	PUNCT
cjfa-12561	6	25	risk	risk	NOUN
cjfa-12561	6	26	,	,	PUNCT
cjfa-12561	6	27	risk	risk	NOUN
cjfa-12561	6	28	management	management	NOUN
cjfa-12561	6	29	,	,	PUNCT
cjfa-12561	6	30	rapm	rapm	NOUN
cjfa-12561	6	31	models	model	NOUN
cjfa-12561	6	32	,	,	PUNCT
cjfa-12561	6	33	hurdle	hurdle	NOUN
cjfa-12561	6	34	rate	rate	NOUN
cjfa-12561	6	35	.	.	PUNCT
cjfa-12561	7	1	j	j	PROPN
cjfa-12561	7	2	e	e	PROPN
cjfa-12561	7	3	l	l	PROPN
cjfa-12561	7	4	classification	classification	NOUN
cjfa-12561	7	5	:	:	PUNCT
cjfa-12561	7	6	g19	g19	PROPN
cjfa-12561	7	7	,	,	PUNCT
cjfa-12561	7	8	g21	g21	PROPN
cjfa-12561	7	9	,	,	PUNCT
cjfa-12561	7	10	g32	g32	NOUN
cjfa-12561	7	11	.	.	PUNCT
cjfa-12561	8	1	abstract	abstract	ADJ
cjfa-12561	8	2	:	:	PUNCT
cjfa-12561	8	3	risk	risk	NOUN
cjfa-12561	8	4	and	and	CCONJ
cjfa-12561	8	5	risk	risk	NOUN
cjfa-12561	8	6	management	management	NOUN
cjfa-12561	8	7	are	be	AUX
cjfa-12561	8	8	a	a	DET
cjfa-12561	8	9	key	key	ADJ
cjfa-12561	8	10	aspect	aspect	NOUN
cjfa-12561	8	11	of	of	ADP
cjfa-12561	8	12	the	the	DET
cjfa-12561	8	13	financial	financial	ADJ
cjfa-12561	8	14	management	management	NOUN
cjfa-12561	8	15	of	of	ADP
cjfa-12561	8	16	the	the	DET
cjfa-12561	8	17	bank	bank	NOUN
cjfa-12561	8	18	.	.	PUNCT
cjfa-12561	9	1	in	in	ADP
cjfa-12561	9	2	the	the	DET
cjfa-12561	9	3	banking	banking	NOUN
cjfa-12561	9	4	business	business	NOUN
cjfa-12561	9	5	since	since	SCONJ
cjfa-12561	9	6	the	the	DET
cjfa-12561	9	7	mid-70s	mid-70	NOUN
cjfa-12561	9	8	of	of	ADP
cjfa-12561	9	9	the	the	DET
cjfa-12561	9	10	twentieth	twentieth	ADJ
cjfa-12561	9	11	century	century	NOUN
cjfa-12561	9	12	,	,	PUNCT
cjfa-12561	9	13	the	the	DET
cjfa-12561	9	14	risk	risk	NOUN
cjfa-12561	9	15	continues	continue	VERB
cjfa-12561	9	16	to	to	PART
cjfa-12561	9	17	increase	increase	VERB
cjfa-12561	9	18	.	.	PUNCT
cjfa-12561	10	1	the	the	DET
cjfa-12561	10	2	result	result	NOUN
cjfa-12561	10	3	of	of	ADP
cjfa-12561	10	4	that	that	DET
cjfa-12561	10	5	excessive	excessive	ADJ
cjfa-12561	10	6	growth	growth	NOUN
cjfa-12561	10	7	was	be	AUX
cjfa-12561	10	8	the	the	DET
cjfa-12561	10	9	financial	financial	ADJ
cjfa-12561	10	10	crisis	crisis	NOUN
cjfa-12561	10	11	in	in	ADP
cjfa-12561	10	12	the	the	DET
cjfa-12561	10	13	years	year	NOUN
cjfa-12561	10	14	2007–2009	2007–2009	NUM
cjfa-12561	10	15	.	.	PUNCT
cjfa-12561	11	1	due	due	ADP
cjfa-12561	11	2	to	to	ADP
cjfa-12561	11	3	underestimation	underestimation	NOUN
cjfa-12561	11	4	,	,	PUNCT
cjfa-12561	11	5	lack	lack	NOUN
cjfa-12561	11	6	of	of	ADP
cjfa-12561	11	7	adequate	adequate	ADJ
cjfa-12561	11	8	and	and	CCONJ
cjfa-12561	11	9	updated	update	VERB
cjfa-12561	11	10	risk	risk	NOUN
cjfa-12561	11	11	models	model	NOUN
cjfa-12561	11	12	,	,	PUNCT
cjfa-12561	11	13	many	many	ADJ
cjfa-12561	11	14	financial	financial	ADJ
cjfa-12561	11	15	institutions	institution	NOUN
cjfa-12561	11	16	were	be	AUX
cjfa-12561	11	17	on	on	ADP
cjfa-12561	11	18	edge	edge	NOUN
cjfa-12561	11	19	of	of	ADP
cjfa-12561	11	20	bankruptcy	bankruptcy	NOUN
cjfa-12561	11	21	due	due	ADP
cjfa-12561	11	22	to	to	ADP
cjfa-12561	11	23	insufficient	insufficient	ADJ
cjfa-12561	11	24	funds	fund	NOUN
cjfa-12561	11	25	needed	need	VERB
cjfa-12561	11	26	to	to	PART
cjfa-12561	11	27	cover	cover	VERB
cjfa-12561	11	28	the	the	DET
cjfa-12561	11	29	losses	loss	NOUN
cjfa-12561	11	30	.	.	PUNCT
cjfa-12561	12	1	the	the	DET
cjfa-12561	12	2	financial	financial	ADJ
cjfa-12561	12	3	crisis	crisis	NOUN
cjfa-12561	12	4	has	have	AUX
cjfa-12561	12	5	highlighted	highlight	VERB
cjfa-12561	12	6	many	many	ADJ
cjfa-12561	12	7	of	of	ADP
cjfa-12561	12	8	the	the	DET
cjfa-12561	12	9	weaknesses	weakness	NOUN
cjfa-12561	12	10	of	of	ADP
cjfa-12561	12	11	a	a	DET
cjfa-12561	12	12	regulatory	regulatory	ADJ
cjfa-12561	12	13	nature	nature	NOUN
cjfa-12561	12	14	in	in	ADP
cjfa-12561	12	15	the	the	DET
cjfa-12561	12	16	functioning	functioning	NOUN
cjfa-12561	12	17	of	of	ADP
cjfa-12561	12	18	the	the	DET
cjfa-12561	12	19	global	global	ADJ
cjfa-12561	12	20	financial	financial	ADJ
cjfa-12561	12	21	system	system	NOUN
cjfa-12561	12	22	,	,	PUNCT
cjfa-12561	12	23	especially	especially	ADV
cjfa-12561	12	24	the	the	DET
cjfa-12561	12	25	banking	banking	NOUN
cjfa-12561	12	26	system	system	NOUN
cjfa-12561	12	27	.	.	PUNCT
cjfa-12561	13	1	in	in	ADP
cjfa-12561	13	2	order	order	NOUN
cjfa-12561	13	3	to	to	PART
cjfa-12561	13	4	reduce	reduce	VERB
cjfa-12561	13	5	occurrence	occurrence	NOUN
cjfa-12561	13	6	of	of	ADP
cjfa-12561	13	7	future	future	ADJ
cjfa-12561	13	8	similar	similar	ADJ
cjfa-12561	13	9	negative	negative	ADJ
cjfa-12561	13	10	phenomena	phenomenon	NOUN
cjfa-12561	13	11	,	,	PUNCT
cjfa-12561	13	12	the	the	DET
cjfa-12561	13	13	basel	basel	PROPN
cjfa-12561	13	14	committee	committee	PROPN
cjfa-12561	13	15	on	on	ADP
cjfa-12561	13	16	banking	banking	NOUN
cjfa-12561	13	17	supervision	supervision	NOUN
cjfa-12561	13	18	has	have	AUX
cjfa-12561	13	19	decided	decide	VERB
cjfa-12561	13	20	to	to	PART
cjfa-12561	13	21	reform	reform	VERB
cjfa-12561	13	22	the	the	DET
cjfa-12561	13	23	banking	banking	NOUN
cjfa-12561	13	24	system	system	NOUN
cjfa-12561	13	25	.	.	PUNCT
cjfa-12561	14	1	as	as	ADP
cjfa-12561	14	2	a	a	DET
cjfa-12561	14	3	result	result	NOUN
cjfa-12561	14	4	,	,	PUNCT
cjfa-12561	14	5	basel	basel	PROPN
cjfa-12561	14	6	iii	iii	PROPN
cjfa-12561	14	7	was	be	AUX
cjfa-12561	14	8	created	create	VERB
cjfa-12561	14	9	.	.	PUNCT
cjfa-12561	15	1	crr	crr	PROPN
cjfa-12561	15	2	regulation	regulation	NOUN
cjfa-12561	15	3	and	and	CCONJ
cjfa-12561	15	4	directive	directive	NOUN
cjfa-12561	15	5	crd	crd	NOUN
cjfa-12561	15	6	put	put	VERB
cjfa-12561	15	7	particular	particular	ADJ
cjfa-12561	15	8	emphasis	emphasis	NOUN
cjfa-12561	15	9	on	on	ADP
cjfa-12561	15	10	height	height	NOUN
cjfa-12561	15	11	of	of	ADP
cjfa-12561	15	12	own	own	ADJ
cjfa-12561	15	13	funds	fund	NOUN
cjfa-12561	15	14	and	and	CCONJ
cjfa-12561	15	15	risk	risk	NOUN
cjfa-12561	15	16	-	-	PUNCT
cjfa-12561	15	17	weighted	weight	VERB
cjfa-12561	15	18	assets	asset	NOUN
cjfa-12561	15	19	.	.	PUNCT
cjfa-12561	16	1	all	all	DET
cjfa-12561	16	2	these	these	PRON
cjfa-12561	16	3	have	have	AUX
cjfa-12561	16	4	showed	show	VERB
cjfa-12561	16	5	many	many	ADJ
cjfa-12561	16	6	weaknesses	weakness	NOUN
cjfa-12561	16	7	of	of	ADP
cjfa-12561	16	8	the	the	DET
cjfa-12561	16	9	banking	banking	NOUN
cjfa-12561	16	10	system	system	NOUN
cjfa-12561	16	11	,	,	PUNCT
cjfa-12561	16	12	from	from	ADP
cjfa-12561	16	13	which	which	PRON
cjfa-12561	16	14	health	health	NOUN
cjfa-12561	16	15	and	and	CCONJ
cjfa-12561	16	16	status	status	NOUN
cjfa-12561	16	17	is	be	AUX
cjfa-12561	16	18	determined	determine	VERB
cjfa-12561	16	19	the	the	DET
cjfa-12561	16	20	whole	whole	ADJ
cjfa-12561	16	21	economy	economy	NOUN
cjfa-12561	16	22	.	.	PUNCT
cjfa-12561	17	1	this	this	DET
cjfa-12561	17	2	paper	paper	NOUN
cjfa-12561	17	3	will	will	AUX
cjfa-12561	17	4	focus	focus	VERB
cjfa-12561	17	5	on	on	ADP
cjfa-12561	17	6	the	the	DET
cjfa-12561	17	7	impact	impact	NOUN
cjfa-12561	17	8	of	of	ADP
cjfa-12561	17	9	the	the	DET
cjfa-12561	17	10	2007–2009	2007–2009	NUM
cjfa-12561	17	11	financial	financial	ADJ
cjfa-12561	17	12	crisis	crisis	NOUN
cjfa-12561	17	13	on	on	ADP
cjfa-12561	17	14	risk	risk	NOUN
cjfa-12561	17	15	management	management	NOUN
cjfa-12561	17	16	effectiveness	effectiveness	NOUN
cjfa-12561	17	17	in	in	ADP
cjfa-12561	17	18	credit	credit	NOUN
cjfa-12561	17	19	institutions	institution	NOUN
cjfa-12561	17	20	.	.	PUNCT
cjfa-12561	18	1	there	there	PRON
cjfa-12561	18	2	will	will	AUX
cjfa-12561	18	3	be	be	AUX
cjfa-12561	18	4	presented	present	VERB
cjfa-12561	18	5	the	the	DET
cjfa-12561	18	6	possibility	possibility	NOUN
cjfa-12561	18	7	of	of	ADP
cjfa-12561	18	8	an	an	DET
cjfa-12561	18	9	integrated	integrate	VERB
cjfa-12561	18	10	risk	risk	NOUN
cjfa-12561	18	11	measurement	measurement	NOUN
cjfa-12561	18	12	and	and	CCONJ
cjfa-12561	18	13	management	management	NOUN
cjfa-12561	18	14	.	.	PUNCT
cjfa-12561	19	1	the	the	DET
cjfa-12561	19	2	most	most	ADV
cjfa-12561	19	3	known	know	VERB
cjfa-12561	19	4	methods	method	NOUN
cjfa-12561	19	5	of	of	ADP
cjfa-12561	19	6	integrated	integrate	VERB
cjfa-12561	19	7	assessment	assessment	NOUN
cjfa-12561	19	8	are	be	AUX
cjfa-12561	19	9	rorac	rorac	ADJ
cjfa-12561	19	10	and	and	CCONJ
cjfa-12561	19	11	raroc	raroc	ADJ
cjfa-12561	19	12	models	model	NOUN
cjfa-12561	19	13	,	,	PUNCT
cjfa-12561	19	14	which	which	PRON
cjfa-12561	19	15	are	be	AUX
cjfa-12561	19	16	both	both	PRON
cjfa-12561	19	17	used	use	VERB
cjfa-12561	19	18	for	for	ADP
cjfa-12561	19	19	the	the	DET
cjfa-12561	19	20	evaluation	evaluation	NOUN
cjfa-12561	19	21	of	of	ADP
cjfa-12561	19	22	the	the	DET
cjfa-12561	19	23	entire	entire	ADJ
cjfa-12561	19	24	bank	bank	NOUN
cjfa-12561	19	25	,	,	PUNCT
cjfa-12561	19	26	as	as	ADV
cjfa-12561	19	27	well	well	ADV
cjfa-12561	19	28	as	as	ADP
cjfa-12561	19	29	business	business	NOUN
cjfa-12561	19	30	units	unit	NOUN
cjfa-12561	19	31	,	,	PUNCT
cjfa-12561	19	32	or	or	CCONJ
cjfa-12561	19	33	individual	individual	ADJ
cjfa-12561	19	34	transactions	transaction	NOUN
cjfa-12561	19	35	.	.	PUNCT
cjfa-12561	20	1	rorac	rorac	NOUN
cjfa-12561	20	2	michał	michał	PROPN
cjfa-12561	20	3	boda46	boda46	PROPN
cjfa-12561	20	4	and	and	CCONJ
cjfa-12561	20	5	raroc	raroc	NOUN
cjfa-12561	20	6	models	model	NOUN
cjfa-12561	20	7	are	be	AUX
cjfa-12561	20	8	the	the	DET
cjfa-12561	20	9	basic	basic	ADJ
cjfa-12561	20	10	concepts	concept	NOUN
cjfa-12561	20	11	of	of	ADP
cjfa-12561	20	12	measuring	measure	VERB
cjfa-12561	20	13	the	the	DET
cjfa-12561	20	14	effectiveness	effectiveness	NOUN
cjfa-12561	20	15	of	of	ADP
cjfa-12561	20	16	risk	risk	NOUN
cjfa-12561	20	17	.	.	PUNCT
cjfa-12561	21	1	there	there	PRON
cjfa-12561	21	2	will	will	AUX
cjfa-12561	21	3	be	be	AUX
cjfa-12561	21	4	also	also	ADV
cjfa-12561	21	5	discussed	discuss	VERB
cjfa-12561	21	6	hurdle	hurdle	NOUN
cjfa-12561	21	7	rate	rate	NOUN
cjfa-12561	21	8	and	and	CCONJ
cjfa-12561	21	9	its	its	PRON
cjfa-12561	21	10	potential	potential	ADJ
cjfa-12561	21	11	impact	impact	NOUN
cjfa-12561	21	12	on	on	ADP
cjfa-12561	21	13	the	the	DET
cjfa-12561	21	14	economy	economy	NOUN
cjfa-12561	21	15	.	.	PUNCT
cjfa-12561	21	16	 	 	SPACE
cjfa-12561	22	1	introduction	introduction	NOUN
cjfa-12561	22	2	in	in	ADP
cjfa-12561	22	3	times	time	NOUN
cjfa-12561	22	4	of	of	ADP
cjfa-12561	22	5	globalization	globalization	NOUN
cjfa-12561	22	6	and	and	CCONJ
cjfa-12561	22	7	dynamic	dynamic	ADJ
cjfa-12561	22	8	development	development	NOUN
cjfa-12561	22	9	of	of	ADP
cjfa-12561	22	10	technology	technology	NOUN
cjfa-12561	22	11	and	and	CCONJ
cjfa-12561	22	12	society	society	NOUN
cjfa-12561	22	13	,	,	PUNCT
cjfa-12561	22	14	the	the	DET
cjfa-12561	22	15	financial	financial	ADJ
cjfa-12561	22	16	markets	market	NOUN
cjfa-12561	22	17	and	and	CCONJ
cjfa-12561	22	18	the	the	DET
cjfa-12561	22	19	entire	entire	ADJ
cjfa-12561	22	20	economy	economy	NOUN
cjfa-12561	22	21	,	,	PUNCT
cjfa-12561	22	22	constantly	constantly	ADV
cjfa-12561	22	23	evolve	evolve	VERB
cjfa-12561	22	24	.	.	PUNCT
cjfa-12561	23	1	but	but	CCONJ
cjfa-12561	23	2	sometimes	sometimes	ADV
cjfa-12561	23	3	those	those	DET
cjfa-12561	23	4	changes	change	NOUN
cjfa-12561	23	5	instead	instead	ADV
cjfa-12561	23	6	of	of	ADP
cjfa-12561	23	7	improving	improve	VERB
cjfa-12561	23	8	the	the	DET
cjfa-12561	23	9	overall	overall	ADJ
cjfa-12561	23	10	situation	situation	NOUN
cjfa-12561	23	11	,	,	PUNCT
cjfa-12561	23	12	lead	lead	VERB
cjfa-12561	23	13	to	to	ADP
cjfa-12561	23	14	a	a	DET
cjfa-12561	23	15	negative	negative	ADJ
cjfa-12561	23	16	outcome	outcome	NOUN
cjfa-12561	23	17	,	,	PUNCT
cjfa-12561	23	18	which	which	PRON
cjfa-12561	23	19	ends	end	VERB
cjfa-12561	23	20	with	with	ADP
cjfa-12561	23	21	a	a	DET
cjfa-12561	23	22	financial	financial	ADJ
cjfa-12561	23	23	crisis	crisis	NOUN
cjfa-12561	23	24	.	.	PUNCT
cjfa-12561	24	1	a	a	DET
cjfa-12561	24	2	very	very	ADV
cjfa-12561	24	3	good	good	ADJ
cjfa-12561	24	4	example	example	NOUN
cjfa-12561	24	5	of	of	ADP
cjfa-12561	24	6	this	this	DET
cjfa-12561	24	7	situation	situation	NOUN
cjfa-12561	24	8	is	be	AUX
cjfa-12561	24	9	the	the	DET
cjfa-12561	24	10	recent	recent	ADJ
cjfa-12561	24	11	financial	financial	ADJ
cjfa-12561	24	12	crisis	crisis	NOUN
cjfa-12561	24	13	of	of	ADP
cjfa-12561	24	14	2007–2009	2007–2009	NUM
cjfa-12561	24	15	,	,	PUNCT
cjfa-12561	24	16	which	which	PRON
cjfa-12561	24	17	was	be	AUX
cjfa-12561	24	18	caused	cause	VERB
cjfa-12561	24	19	,	,	PUNCT
cjfa-12561	24	20	among	among	ADP
cjfa-12561	24	21	others	other	NOUN
cjfa-12561	24	22	,	,	PUNCT
cjfa-12561	24	23	by	by	ADP
cjfa-12561	24	24	uncontrolled	uncontrolled	ADJ
cjfa-12561	24	25	expansion	expansion	NOUN
cjfa-12561	24	26	of	of	ADP
cjfa-12561	24	27	financial	financial	ADJ
cjfa-12561	24	28	innovations	innovation	NOUN
cjfa-12561	24	29	,	,	PUNCT
cjfa-12561	24	30	badly	badly	ADV
cjfa-12561	24	31	conducted	conduct	VERB
cjfa-12561	24	32	monetary	monetary	ADJ
cjfa-12561	24	33	policy	policy	NOUN
cjfa-12561	24	34	,	,	PUNCT
cjfa-12561	24	35	the	the	DET
cjfa-12561	24	36	collapse	collapse	NOUN
cjfa-12561	24	37	of	of	ADP
cjfa-12561	24	38	ethical	ethical	ADJ
cjfa-12561	24	39	and	and	CCONJ
cjfa-12561	24	40	accounting	accounting	NOUN
cjfa-12561	24	41	standards	standard	NOUN
cjfa-12561	24	42	,	,	PUNCT
cjfa-12561	24	43	erroneous	erroneous	ADJ
cjfa-12561	24	44	deregulations	deregulation	NOUN
cjfa-12561	24	45	,	,	PUNCT
cjfa-12561	24	46	and	and	CCONJ
cjfa-12561	24	47	finally	finally	ADV
cjfa-12561	24	48	,	,	PUNCT
cjfa-12561	24	49	excessive	excessive	ADJ
cjfa-12561	24	50	use	use	NOUN
cjfa-12561	24	51	of	of	ADP
cjfa-12561	24	52	leverage	leverage	NOUN
cjfa-12561	24	53	(	(	PUNCT
cjfa-12561	24	54	płókarz	płókarz	NOUN
cjfa-12561	24	55	,	,	PUNCT
cjfa-12561	24	56	2013	2013	NUM
cjfa-12561	24	57	,	,	PUNCT
cjfa-12561	24	58	pp	pp	ADJ
cjfa-12561	24	59	.	.	PUNCT
cjfa-12561	25	1	350	350	NUM
cjfa-12561	25	2	–	–	PUNCT
cjfa-12561	25	3	 	 	SPACE
cjfa-12561	25	4	359	359	NUM
cjfa-12561	25	5	)	)	PUNCT
cjfa-12561	25	6	.	.	PUNCT
cjfa-12561	26	1	all	all	PRON
cjfa-12561	26	2	of	of	ADP
cjfa-12561	26	3	the	the	DET
cjfa-12561	26	4	above	above	ADJ
cjfa-12561	26	5	factors	factor	NOUN
cjfa-12561	26	6	have	have	AUX
cjfa-12561	26	7	revealed	reveal	VERB
cjfa-12561	26	8	a	a	DET
cjfa-12561	26	9	lot	lot	NOUN
cjfa-12561	26	10	of	of	ADP
cjfa-12561	26	11	weaknesses	weakness	NOUN
cjfa-12561	26	12	in	in	ADP
cjfa-12561	26	13	the	the	DET
cjfa-12561	26	14	banking	banking	NOUN
cjfa-12561	26	15	systems	system	NOUN
cjfa-12561	26	16	,	,	PUNCT
cjfa-12561	26	17	which	which	PRON
cjfa-12561	26	18	affected	affect	VERB
cjfa-12561	26	19	the	the	DET
cjfa-12561	26	20	health	health	NOUN
cjfa-12561	26	21	and	and	CCONJ
cjfa-12561	26	22	overall	overall	ADJ
cjfa-12561	26	23	conditions	condition	NOUN
cjfa-12561	26	24	of	of	ADP
cjfa-12561	26	25	the	the	DET
cjfa-12561	26	26	whole	whole	ADJ
cjfa-12561	26	27	economy	economy	NOUN
cjfa-12561	26	28	.	.	PUNCT
cjfa-12561	27	1	financial	financial	ADJ
cjfa-12561	27	2	problems	problem	NOUN
cjfa-12561	27	3	of	of	ADP
cjfa-12561	27	4	large	large	ADJ
cjfa-12561	27	5	financial	financial	ADJ
cjfa-12561	27	6	institutions	institution	NOUN
cjfa-12561	27	7	have	have	AUX
cjfa-12561	27	8	caused	cause	VERB
cjfa-12561	27	9	collapses	collapse	NOUN
cjfa-12561	27	10	on	on	ADP
cjfa-12561	27	11	the	the	DET
cjfa-12561	27	12	stock	stock	NOUN
cjfa-12561	27	13	exchanges	exchange	NOUN
cjfa-12561	27	14	,	,	PUNCT
cjfa-12561	27	15	recessions	recession	NOUN
cjfa-12561	27	16	on	on	ADP
cjfa-12561	27	17	the	the	DET
cjfa-12561	27	18	financial	financial	ADJ
cjfa-12561	27	19	markets	market	NOUN
cjfa-12561	27	20	and	and	CCONJ
cjfa-12561	27	21	declines	decline	NOUN
cjfa-12561	27	22	in	in	ADP
cjfa-12561	27	23	the	the	DET
cjfa-12561	27	24	real	real	ADJ
cjfa-12561	27	25	economy	economy	NOUN
cjfa-12561	27	26	(	(	PUNCT
cjfa-12561	27	27	płókarz	płókarz	NOUN
cjfa-12561	27	28	,	,	PUNCT
cjfa-12561	27	29	2013	2013	NUM
cjfa-12561	27	30	,	,	PUNCT
cjfa-12561	27	31	pp	pp	ADJ
cjfa-12561	27	32	.	.	PUNCT
cjfa-12561	28	1	355–356	355–356	NUM
cjfa-12561	28	2	)	)	PUNCT
cjfa-12561	28	3	.	.	PUNCT
cjfa-12561	29	1	the	the	DET
cjfa-12561	29	2	financial	financial	ADJ
cjfa-12561	29	3	crisis	crisis	NOUN
cjfa-12561	29	4	has	have	AUX
cjfa-12561	29	5	highlighted	highlight	VERB
cjfa-12561	29	6	a	a	DET
cjfa-12561	29	7	number	number	NOUN
cjfa-12561	29	8	of	of	ADP
cjfa-12561	29	9	weaknesses	weakness	NOUN
cjfa-12561	29	10	of	of	ADP
cjfa-12561	29	11	a	a	DET
cjfa-12561	29	12	regulatory	regulatory	ADJ
cjfa-12561	29	13	nature	nature	NOUN
cjfa-12561	29	14	in	in	ADP
cjfa-12561	29	15	the	the	DET
cjfa-12561	29	16	functioning	functioning	NOUN
cjfa-12561	29	17	of	of	ADP
cjfa-12561	29	18	the	the	DET
cjfa-12561	29	19	global	global	ADJ
cjfa-12561	29	20	financial	financial	ADJ
cjfa-12561	29	21	system	system	NOUN
cjfa-12561	29	22	,	,	PUNCT
cjfa-12561	29	23	especially	especially	ADV
cjfa-12561	29	24	the	the	DET
cjfa-12561	29	25	banking	banking	NOUN
cjfa-12561	29	26	system	system	NOUN
cjfa-12561	29	27	.	.	PUNCT
cjfa-12561	30	1	to	to	PART
cjfa-12561	30	2	reduce	reduce	VERB
cjfa-12561	30	3	the	the	DET
cjfa-12561	30	4	risk	risk	NOUN
cjfa-12561	30	5	of	of	ADP
cjfa-12561	30	6	future	future	ADJ
cjfa-12561	30	7	similar	similar	ADJ
cjfa-12561	30	8	negative	negative	ADJ
cjfa-12561	30	9	events	event	NOUN
cjfa-12561	30	10	,	,	PUNCT
cjfa-12561	30	11	a	a	DET
cjfa-12561	30	12	number	number	NOUN
cjfa-12561	30	13	of	of	ADP
cjfa-12561	30	14	new	new	ADJ
cjfa-12561	30	15	regulations	regulation	NOUN
cjfa-12561	30	16	have	have	AUX
cjfa-12561	30	17	been	be	AUX
cjfa-12561	30	18	introduced	introduce	VERB
cjfa-12561	30	19	,	,	PUNCT
cjfa-12561	30	20	as	as	ADP
cjfa-12561	30	21	such	such	ADJ
cjfa-12561	30	22	basel	basel	PROPN
cjfa-12561	30	23	iii	iii	PROPN
cjfa-12561	30	24	or	or	CCONJ
cjfa-12561	30	25	dodd	dodd	PROPN
cjfa-12561	30	26	-	-	PUNCT
cjfa-12561	30	27	frank	frank	PROPN
cjfa-12561	30	28	act	act	PROPN
cjfa-12561	30	29	,	,	PUNCT
cjfa-12561	30	30	which	which	PRON
cjfa-12561	30	31	have	have	AUX
cjfa-12561	30	32	shaped	shape	VERB
cjfa-12561	30	33	the	the	DET
cjfa-12561	30	34	new	new	ADJ
cjfa-12561	30	35	,	,	PUNCT
cjfa-12561	30	36	post	post	ADJ
cjfa-12561	30	37	-	-	ADJ
cjfa-12561	30	38	crisis	crisis	ADJ
cjfa-12561	30	39	model	model	NOUN
cjfa-12561	30	40	of	of	ADP
cjfa-12561	30	41	banking	banking	NOUN
cjfa-12561	30	42	and	and	CCONJ
cjfa-12561	30	43	financial	financial	ADJ
cjfa-12561	30	44	markets	market	NOUN
cjfa-12561	30	45	(	(	PUNCT
cjfa-12561	30	46	płókarz	płókarz	ADJ
cjfa-12561	30	47	,	,	PUNCT
cjfa-12561	30	48	2013	2013	NUM
cjfa-12561	30	49	,	,	PUNCT
cjfa-12561	30	50	pp	pp	ADV
cjfa-12561	30	51	.	.	PUNCT
cjfa-12561	31	1	350–359	350–359	NUM
cjfa-12561	31	2	;	;	PUNCT
cjfa-12561	31	3	komisja	komisja	PROPN
cjfa-12561	31	4	nadzoru	nadzoru	PROPN
cjfa-12561	31	5	finansowego	finansowego	PROPN
cjfa-12561	31	6	,	,	PUNCT
cjfa-12561	31	7	2016a	2016a	NUM
cjfa-12561	31	8	)	)	PUNCT
cjfa-12561	31	9	.	.	PUNCT
cjfa-12561	32	1	according	accord	VERB
cjfa-12561	32	2	to	to	ADP
cjfa-12561	32	3	the	the	DET
cjfa-12561	32	4	basel	basel	PROPN
cjfa-12561	32	5	iii	iii	PROPN
cjfa-12561	32	6	agreement	agreement	PROPN
cjfa-12561	32	7	,	,	PUNCT
cjfa-12561	32	8	the	the	DET
cjfa-12561	32	9	most	most	ADV
cjfa-12561	32	10	important	important	ADJ
cjfa-12561	32	11	changes	change	NOUN
cjfa-12561	32	12	that	that	PRON
cjfa-12561	32	13	can	can	AUX
cjfa-12561	32	14	be	be	AUX
cjfa-12561	32	15	found	find	VERB
cjfa-12561	32	16	in	in	ADP
cjfa-12561	32	17	the	the	DET
cjfa-12561	32	18	crd	crd	PROPN
cjfa-12561	32	19	iv	iv	PROPN
cjfa-12561	32	20	/	/	SYM
cjfa-12561	32	21	crr	crr	PROPN
cjfa-12561	32	22	package	package	NOUN
cjfa-12561	32	23	,	,	PUNCT
cjfa-12561	32	24	include	include	VERB
cjfa-12561	32	25	(	(	PUNCT
cjfa-12561	32	26	płókarz	płókarz	ADJ
cjfa-12561	32	27	,	,	PUNCT
cjfa-12561	32	28	2013	2013	NUM
cjfa-12561	32	29	,	,	PUNCT
cjfa-12561	32	30	p.	p.	NOUN
cjfa-12561	32	31	48	48	NUM
cjfa-12561	32	32	;	;	PUNCT
cjfa-12561	32	33	komisja	komisja	PROPN
cjfa-12561	32	34	nadzoru	nadzoru	PROPN
cjfa-12561	32	35	finansowego	finansowego	PROPN
cjfa-12561	32	36	,	,	PUNCT
cjfa-12561	32	37	2016a	2016a	NUM
cjfa-12561	32	38	):	):	PUNCT
cjfa-12561	32	39	■	■	PUNCT
cjfa-12561	32	40	changes	change	NOUN
cjfa-12561	32	41	to	to	ADP
cjfa-12561	32	42	the	the	DET
cjfa-12561	32	43	crd	crd	NOUN
cjfa-12561	32	44	iv	iv	NUM
cjfa-12561	32	45	:	:	PUNCT
cjfa-12561	32	46	defining	define	VERB
cjfa-12561	32	47	issues	issue	NOUN
cjfa-12561	32	48	related	relate	VERB
cjfa-12561	32	49	to	to	ADP
cjfa-12561	32	50	corporate	corporate	ADJ
cjfa-12561	32	51	governance	governance	NOUN
cjfa-12561	32	52	and	and	CCONJ
cjfa-12561	32	53	risk	risk	NOUN
cjfa-12561	32	54	management	management	NOUN
cjfa-12561	32	55	and	and	CCONJ
cjfa-12561	32	56	improving	improve	VERB
cjfa-12561	32	57	the	the	DET
cjfa-12561	32	58	monitoring	monitoring	NOUN
cjfa-12561	32	59	of	of	ADP
cjfa-12561	32	60	market	market	NOUN
cjfa-12561	32	61	and	and	CCONJ
cjfa-12561	32	62	credit	credit	NOUN
cjfa-12561	32	63	risk	risk	NOUN
cjfa-12561	32	64	by	by	ADP
cjfa-12561	32	65	the	the	DET
cjfa-12561	32	66	competent	competent	ADJ
cjfa-12561	32	67	supervisory	supervisory	ADJ
cjfa-12561	32	68	authorities	authority	NOUN
cjfa-12561	32	69	,	,	PUNCT
cjfa-12561	32	70	■	■	PUNCT
cjfa-12561	32	71	changes	change	NOUN
cjfa-12561	32	72	in	in	ADP
cjfa-12561	32	73	crr	crr	PROPN
cjfa-12561	32	74	:	:	PUNCT
cjfa-12561	32	75	higher	high	ADJ
cjfa-12561	32	76	capital	capital	NOUN
cjfa-12561	32	77	requirements	requirement	NOUN
cjfa-12561	32	78	,	,	PUNCT
cjfa-12561	32	79	limit	limit	NOUN
cjfa-12561	32	80	of	of	ADP
cjfa-12561	32	81	leverage	leverage	NOUN
cjfa-12561	32	82	,	,	PUNCT
cjfa-12561	32	83	more	more	ADV
cjfa-12561	32	84	restrictive	restrictive	ADJ
cjfa-12561	32	85	liquidity	liquidity	NOUN
cjfa-12561	32	86	requirements	requirement	NOUN
cjfa-12561	32	87	.	.	PUNCT
cjfa-12561	33	1	the	the	DET
cjfa-12561	33	2	crd	crd	PROPN
cjfa-12561	33	3	iv	iv	X
cjfa-12561	33	4	and	and	CCONJ
cjfa-12561	33	5	crr	crr	PROPN
cjfa-12561	33	6	regulation	regulation	NOUN
cjfa-12561	33	7	came	come	VERB
cjfa-12561	33	8	into	into	ADP
cjfa-12561	33	9	force	force	NOUN
cjfa-12561	33	10	on	on	ADP
cjfa-12561	33	11	january	january	PROPN
cjfa-12561	33	12	1st	1st	NOUN
cjfa-12561	33	13	,	,	PUNCT
cjfa-12561	33	14	2014	2014	NUM
cjfa-12561	33	15	.	.	PUNCT
cjfa-12561	34	1	the	the	DET
cjfa-12561	34	2	new	new	ADJ
cjfa-12561	34	3	law	law	NOUN
cjfa-12561	34	4	aims	aim	VERB
cjfa-12561	34	5	at	at	ADP
cjfa-12561	34	6	strengthening	strengthen	VERB
cjfa-12561	34	7	regulation	regulation	NOUN
cjfa-12561	34	8	of	of	ADP
cjfa-12561	34	9	the	the	DET
cjfa-12561	34	10	financial	financial	ADJ
cjfa-12561	34	11	sector	sector	NOUN
cjfa-12561	34	12	and	and	CCONJ
cjfa-12561	34	13	create	create	VERB
cjfa-12561	34	14	a	a	DET
cjfa-12561	34	15	more	more	ADV
cjfa-12561	34	16	transparent	transparent	ADJ
cjfa-12561	34	17	and	and	CCONJ
cjfa-12561	34	18	safer	safe	ADJ
cjfa-12561	34	19	financial	financial	ADJ
cjfa-12561	34	20	system	system	NOUN
cjfa-12561	34	21	(	(	PUNCT
cjfa-12561	34	22	komisja	komisja	PROPN
cjfa-12561	34	23	nadzoru	nadzoru	PROPN
cjfa-12561	34	24	finansowego	finansowego	PROPN
cjfa-12561	34	25	,	,	PUNCT
cjfa-12561	34	26	2016b	2016b	NUM
cjfa-12561	34	27	)	)	PUNCT
cjfa-12561	34	28	.	.	PUNCT
cjfa-12561	35	1	the	the	DET
cjfa-12561	35	2	impact	impact	NOUN
cjfa-12561	35	3	of	of	ADP
cjfa-12561	35	4	the	the	DET
cjfa-12561	35	5	2007–2009	2007–2009	NUM
cjfa-12561	35	6	financial	financial	ADJ
cjfa-12561	35	7	crisis	crisis	NOUN
cjfa-12561	35	8	…	…	PUNCT
cjfa-12561	35	9	47	47	NUM
cjfa-12561	35	10	the	the	DET
cjfa-12561	35	11	main	main	ADJ
cjfa-12561	35	12	objective	objective	NOUN
cjfa-12561	35	13	of	of	ADP
cjfa-12561	35	14	the	the	DET
cjfa-12561	35	15	changes	change	NOUN
cjfa-12561	35	16	that	that	PRON
cjfa-12561	35	17	have	have	AUX
cjfa-12561	35	18	been	be	AUX
cjfa-12561	35	19	introduced	introduce	VERB
cjfa-12561	35	20	to	to	ADP
cjfa-12561	35	21	banks	bank	NOUN
cjfa-12561	35	22	’	'	PUNCT
cjfa-12561	35	23	own	own	ADJ
cjfa-12561	35	24	funds	fund	NOUN
cjfa-12561	35	25	by	by	ADP
cjfa-12561	35	26	regulation	regulation	NOUN
cjfa-12561	35	27	crr	crr	PROPN
cjfa-12561	35	28	is	be	AUX
cjfa-12561	35	29	to	to	PART
cjfa-12561	35	30	improve	improve	VERB
cjfa-12561	35	31	the	the	DET
cjfa-12561	35	32	quality	quality	NOUN
cjfa-12561	35	33	of	of	ADP
cjfa-12561	35	34	own	own	ADJ
cjfa-12561	35	35	funds	fund	NOUN
cjfa-12561	35	36	.	.	PUNCT
cjfa-12561	36	1	the	the	DET
cjfa-12561	36	2	basel	basel	PROPN
cjfa-12561	36	3	committee	committee	PROPN
cjfa-12561	36	4	on	on	ADP
cjfa-12561	36	5	banking	banking	NOUN
cjfa-12561	36	6	supervision	supervision	NOUN
cjfa-12561	36	7	has	have	AUX
cjfa-12561	36	8	determined	determine	VERB
cjfa-12561	36	9	that	that	SCONJ
cjfa-12561	36	10	the	the	DET
cjfa-12561	36	11	tier	tier	NOUN
cjfa-12561	36	12	i	i	PRON
cjfa-12561	36	13	capital	capital	NOUN
cjfa-12561	36	14	will	will	AUX
cjfa-12561	36	15	be	be	AUX
cjfa-12561	36	16	used	use	VERB
cjfa-12561	36	17	to	to	PART
cjfa-12561	36	18	absorb	absorb	VERB
cjfa-12561	36	19	current	current	ADJ
cjfa-12561	36	20	losses	loss	NOUN
cjfa-12561	36	21	,	,	PUNCT
cjfa-12561	36	22	and	and	CCONJ
cjfa-12561	36	23	the	the	DET
cjfa-12561	36	24	purpose	purpose	NOUN
cjfa-12561	36	25	of	of	ADP
cjfa-12561	36	26	tier	tier	NOUN
cjfa-12561	36	27	ii	ii	PROPN
cjfa-12561	36	28	capital	capital	NOUN
cjfa-12561	36	29	will	will	AUX
cjfa-12561	36	30	cater	cater	VERB
cjfa-12561	36	31	to	to	ADP
cjfa-12561	36	32	creditors	creditor	NOUN
cjfa-12561	36	33	in	in	ADP
cjfa-12561	36	34	case	case	NOUN
cjfa-12561	36	35	of	of	ADP
cjfa-12561	36	36	bankruptcy	bankruptcy	NOUN
cjfa-12561	36	37	or	or	CCONJ
cjfa-12561	36	38	insolvency	insolvency	NOUN
cjfa-12561	36	39	of	of	ADP
cjfa-12561	36	40	the	the	DET
cjfa-12561	36	41	institution	institution	NOUN
cjfa-12561	36	42	.	.	PUNCT
cjfa-12561	37	1	furthermore	furthermore	ADV
cjfa-12561	37	2	,	,	PUNCT
cjfa-12561	37	3	basel	basel	PROPN
cjfa-12561	37	4	committee	committee	PROPN
cjfa-12561	37	5	on	on	ADP
cjfa-12561	37	6	banking	banking	NOUN
cjfa-12561	37	7	supervision	supervision	NOUN
cjfa-12561	37	8	has	have	AUX
cjfa-12561	37	9	decided	decide	VERB
cjfa-12561	37	10	to	to	PART
cjfa-12561	37	11	abolish	abolish	VERB
cjfa-12561	37	12	capital	capital	NOUN
cjfa-12561	37	13	tier	tier	NOUN
cjfa-12561	37	14	iii	iii	PROPN
cjfa-12561	37	15	,	,	PUNCT
cjfa-12561	37	16	which	which	PRON
cjfa-12561	37	17	was	be	AUX
cjfa-12561	37	18	used	use	VERB
cjfa-12561	37	19	to	to	PART
cjfa-12561	37	20	cover	cover	VERB
cjfa-12561	37	21	risk	risk	NOUN
cjfa-12561	37	22	in	in	ADP
cjfa-12561	37	23	the	the	DET
cjfa-12561	37	24	trading	trading	NOUN
cjfa-12561	37	25	book	book	NOUN
cjfa-12561	37	26	.	.	PUNCT
cjfa-12561	38	1	thus	thus	ADV
cjfa-12561	38	2	,	,	PUNCT
cjfa-12561	38	3	the	the	DET
cjfa-12561	38	4	credit	credit	NOUN
cjfa-12561	38	5	institution	institution	NOUN
cjfa-12561	38	6	’s	’s	PART
cjfa-12561	38	7	own	own	ADJ
cjfa-12561	38	8	funds	fund	NOUN
cjfa-12561	38	9	consist	consist	VERB
cjfa-12561	38	10	of	of	ADP
cjfa-12561	38	11	capital	capital	NOUN
cjfa-12561	38	12	tier	tier	NOUN
cjfa-12561	38	13	i	i	PRON
cjfa-12561	38	14	and	and	CCONJ
cjfa-12561	38	15	tier	tier	PROPN
cjfa-12561	38	16	ii	ii	PROPN
cjfa-12561	38	17	(	(	PUNCT
cjfa-12561	38	18	koleśnik	koleśnik	X
cjfa-12561	38	19	,	,	PUNCT
cjfa-12561	38	20	2014	2014	NUM
cjfa-12561	38	21	,	,	PUNCT
cjfa-12561	38	22	p.	p.	NOUN
cjfa-12561	38	23	15	15	NUM
cjfa-12561	38	24	)	)	PUNCT
cjfa-12561	38	25	.	.	PUNCT
cjfa-12561	39	1	crd	crd	PROPN
cjfa-12561	39	2	directive	directive	NOUN
cjfa-12561	39	3	introduces	introduce	VERB
cjfa-12561	39	4	many	many	ADJ
cjfa-12561	39	5	additional	additional	ADJ
cjfa-12561	39	6	buffers	buffer	NOUN
cjfa-12561	39	7	,	,	PUNCT
cjfa-12561	39	8	such	such	ADJ
cjfa-12561	39	9	as	as	ADP
cjfa-12561	39	10	conservation	conservation	NOUN
cjfa-12561	39	11	,	,	PUNCT
cjfa-12561	39	12	countercyclical	countercyclical	ADJ
cjfa-12561	39	13	,	,	PUNCT
cjfa-12561	39	14	g	g	PROPN
cjfa-12561	39	15	-	-	PUNCT
cjfa-12561	39	16	sii	sii	ADJ
cjfa-12561	39	17	,	,	PUNCT
cjfa-12561	39	18	o	o	NOUN
cjfa-12561	39	19	-	-	X
cjfa-12561	39	20	sii	sii	ADJ
cjfa-12561	39	21	,	,	PUNCT
cjfa-12561	39	22	systemic	systemic	ADJ
cjfa-12561	39	23	risk	risk	NOUN
cjfa-12561	39	24	,	,	PUNCT
cjfa-12561	39	25	which	which	PRON
cjfa-12561	39	26	will	will	AUX
cjfa-12561	39	27	increase	increase	VERB
cjfa-12561	39	28	the	the	DET
cjfa-12561	39	29	cet	cet	NOUN
cjfa-12561	39	30	1	1	NUM
cjfa-12561	39	31	(	(	PUNCT
cjfa-12561	39	32	koleśnik	koleśnik	X
cjfa-12561	39	33	,	,	PUNCT
cjfa-12561	39	34	2014	2014	NUM
cjfa-12561	39	35	,	,	PUNCT
cjfa-12561	39	36	p.	p.	NOUN
cjfa-12561	39	37	32	32	NUM
cjfa-12561	39	38	)	)	PUNCT
cjfa-12561	39	39	.	.	PUNCT
cjfa-12561	40	1	basel	basel	PROPN
cjfa-12561	40	2	committee	committee	PROPN
cjfa-12561	40	3	on	on	ADP
cjfa-12561	40	4	banking	banking	NOUN
cjfa-12561	40	5	supervision	supervision	NOUN
cjfa-12561	40	6	has	have	AUX
cjfa-12561	40	7	also	also	ADV
cjfa-12561	40	8	regulated	regulate	VERB
cjfa-12561	40	9	the	the	DET
cjfa-12561	40	10	leverage	leverage	NOUN
cjfa-12561	40	11	ratio	ratio	NOUN
cjfa-12561	40	12	.	.	PUNCT
cjfa-12561	41	1	since	since	SCONJ
cjfa-12561	41	2	2019	2019	NUM
cjfa-12561	41	3	,	,	PUNCT
cjfa-12561	41	4	the	the	DET
cjfa-12561	41	5	maximum	maximum	NOUN
cjfa-12561	41	6	of	of	ADP
cjfa-12561	41	7	leverage	leverage	NOUN
cjfa-12561	41	8	ratio	ratio	NOUN
cjfa-12561	41	9	will	will	AUX
cjfa-12561	41	10	be	be	AUX
cjfa-12561	41	11	3	3	NUM
cjfa-12561	41	12	%	%	NOUN
cjfa-12561	41	13	and	and	CCONJ
cjfa-12561	41	14	liquidity	liquidity	NOUN
cjfa-12561	41	15	of	of	ADP
cjfa-12561	41	16	credit	credit	NOUN
cjfa-12561	41	17	institutions	institution	NOUN
cjfa-12561	41	18	in	in	ADP
cjfa-12561	41	19	the	the	DET
cjfa-12561	41	20	form	form	NOUN
cjfa-12561	41	21	of	of	ADP
cjfa-12561	41	22	liquidity	liquidity	NOUN
cjfa-12561	41	23	coverage	coverage	NOUN
cjfa-12561	41	24	ratio	ratio	NOUN
cjfa-12561	41	25	(	(	PUNCT
cjfa-12561	41	26	lcr	lcr	PROPN
cjfa-12561	41	27	,	,	PUNCT
cjfa-12561	41	28	m2	m2	PROPN
cjfa-12561	41	29	)	)	PUNCT
cjfa-12561	41	30	,	,	PUNCT
cjfa-12561	41	31	relating	relate	VERB
cjfa-12561	41	32	to	to	ADP
cjfa-12561	41	33	the	the	DET
cjfa-12561	41	34	short	short	ADJ
cjfa-12561	41	35	-	-	PUNCT
cjfa-12561	41	36	term	term	NOUN
cjfa-12561	41	37	liquidity	liquidity	NOUN
cjfa-12561	41	38	and	and	CCONJ
cjfa-12561	41	39	net	net	ADJ
cjfa-12561	41	40	stable	stable	ADJ
cjfa-12561	41	41	funding	funding	NOUN
cjfa-12561	41	42	ratio	ratio	NOUN
cjfa-12561	41	43	(	(	PUNCT
cjfa-12561	41	44	nsfr	nsfr	PROPN
cjfa-12561	41	45	,	,	PUNCT
cjfa-12561	41	46	m4	m4	PROPN
cjfa-12561	41	47	)	)	PUNCT
cjfa-12561	41	48	relating	relate	VERB
cjfa-12561	41	49	to	to	ADP
cjfa-12561	41	50	long	long	ADJ
cjfa-12561	41	51	-	-	PUNCT
cjfa-12561	41	52	term	term	NOUN
cjfa-12561	41	53	liquidity	liquidity	NOUN
cjfa-12561	41	54	(	(	PUNCT
cjfa-12561	41	55	basel	basel	PROPN
cjfa-12561	41	56	committee	committee	PROPN
cjfa-12561	41	57	on	on	ADP
cjfa-12561	41	58	banking	banking	NOUN
cjfa-12561	41	59	supervision	supervision	NOUN
cjfa-12561	41	60	,	,	PUNCT
cjfa-12561	41	61	2013	2013	NUM
cjfa-12561	41	62	,	,	PUNCT
cjfa-12561	41	63	2014	2014	NUM
cjfa-12561	41	64	)	)	PUNCT
cjfa-12561	41	65	.	.	PUNCT
cjfa-12561	42	1	the	the	DET
cjfa-12561	42	2	overriding	override	VERB
cjfa-12561	42	3	aim	aim	NOUN
cjfa-12561	42	4	of	of	ADP
cjfa-12561	42	5	the	the	DET
cjfa-12561	42	6	credit	credit	NOUN
cjfa-12561	42	7	institution	institution	NOUN
cjfa-12561	42	8	is	be	AUX
cjfa-12561	42	9	to	to	PART
cjfa-12561	42	10	maximize	maximize	VERB
cjfa-12561	42	11	its	its	PRON
cjfa-12561	42	12	value	value	NOUN
cjfa-12561	42	13	while	while	SCONJ
cjfa-12561	42	14	maintaining	maintain	VERB
cjfa-12561	42	15	the	the	DET
cjfa-12561	42	16	desired	desire	VERB
cjfa-12561	42	17	relationship	relationship	NOUN
cjfa-12561	42	18	between	between	ADP
cjfa-12561	42	19	the	the	DET
cjfa-12561	42	20	achieved	achieve	VERB
cjfa-12561	42	21	financial	financial	ADJ
cjfa-12561	42	22	results	result	NOUN
cjfa-12561	42	23	and	and	CCONJ
cjfa-12561	42	24	risk	risk	NOUN
cjfa-12561	42	25	exposures	exposure	NOUN
cjfa-12561	42	26	.	.	PUNCT
cjfa-12561	43	1	involvement	involvement	NOUN
cjfa-12561	43	2	in	in	ADP
cjfa-12561	43	3	the	the	DET
cjfa-12561	43	4	balance	balance	NOUN
cjfa-12561	43	5	sheet	sheet	NOUN
cjfa-12561	43	6	and	and	CCONJ
cjfa-12561	43	7	off	off	ADP
cjfa-12561	43	8	-	-	PUNCT
cjfa-12561	43	9	balance	balance	NOUN
cjfa-12561	43	10	sheet	sheet	NOUN
cjfa-12561	43	11	operations	operation	NOUN
cjfa-12561	43	12	creates	create	VERB
cjfa-12561	43	13	the	the	DET
cjfa-12561	43	14	need	need	NOUN
cjfa-12561	43	15	to	to	PART
cjfa-12561	43	16	identify	identify	VERB
cjfa-12561	43	17	an	an	DET
cjfa-12561	43	18	acceptable	acceptable	ADJ
cjfa-12561	43	19	level	level	NOUN
cjfa-12561	43	20	of	of	ADP
cjfa-12561	43	21	risk	risk	NOUN
cjfa-12561	43	22	.	.	PUNCT
cjfa-12561	44	1	the	the	DET
cjfa-12561	44	2	consequence	consequence	NOUN
cjfa-12561	44	3	of	of	ADP
cjfa-12561	44	4	bank	bank	NOUN
cjfa-12561	44	5	risk	risk	NOUN
cjfa-12561	44	6	exposures	exposure	NOUN
cjfa-12561	44	7	are	be	AUX
cjfa-12561	44	8	reserves	reserve	NOUN
cjfa-12561	44	9	,	,	PUNCT
cjfa-12561	44	10	write	write	NOUN
cjfa-12561	44	11	-	-	PUNCT
cjfa-12561	44	12	off	off	NOUN
cjfa-12561	44	13	of	of	ADP
cjfa-12561	44	14	impairment	impairment	NOUN
cjfa-12561	44	15	,	,	PUNCT
cjfa-12561	44	16	and	and	CCONJ
cjfa-12561	44	17	capital	capital	NOUN
cjfa-12561	44	18	.	.	PUNCT
cjfa-12561	45	1	risk	risk	NOUN
cjfa-12561	45	2	management	management	NOUN
cjfa-12561	45	3	constitutes	constitute	VERB
cjfa-12561	45	4	one	one	NUM
cjfa-12561	45	5	of	of	ADP
cjfa-12561	45	6	the	the	DET
cjfa-12561	45	7	basic	basic	ADJ
cjfa-12561	45	8	elements	element	NOUN
cjfa-12561	45	9	of	of	ADP
cjfa-12561	45	10	management	management	NOUN
cjfa-12561	45	11	of	of	ADP
cjfa-12561	45	12	credit	credit	NOUN
cjfa-12561	45	13	institutions	institution	NOUN
cjfa-12561	45	14	,	,	PUNCT
cjfa-12561	45	15	primarily	primarily	ADV
cjfa-12561	45	16	in	in	ADP
cjfa-12561	45	17	the	the	DET
cjfa-12561	45	18	context	context	NOUN
cjfa-12561	45	19	of	of	ADP
cjfa-12561	45	20	the	the	DET
cjfa-12561	45	21	impact	impact	NOUN
cjfa-12561	45	22	on	on	ADP
cjfa-12561	45	23	the	the	DET
cjfa-12561	45	24	financial	financial	ADJ
cjfa-12561	45	25	sector	sector	NOUN
cjfa-12561	45	26	.	.	PUNCT
cjfa-12561	46	1	it	it	PRON
cjfa-12561	46	2	is	be	AUX
cjfa-12561	46	3	a	a	DET
cjfa-12561	46	4	process	process	NOUN
cjfa-12561	46	5	in	in	ADP
cjfa-12561	46	6	which	which	PRON
cjfa-12561	46	7	in	in	ADP
cjfa-12561	46	8	a	a	DET
cjfa-12561	46	9	methodical	methodical	ADJ
cjfa-12561	46	10	way	way	NOUN
cjfa-12561	46	11	,	,	PUNCT
cjfa-12561	46	12	are	be	AUX
cjfa-12561	46	13	solved	solve	VERB
cjfa-12561	46	14	occurring	occur	VERB
cjfa-12561	46	15	in	in	ADP
cjfa-12561	46	16	the	the	DET
cjfa-12561	46	17	banking	banking	NOUN
cjfa-12561	46	18	business	business	NOUN
cjfa-12561	46	19	issues	issue	NOUN
cjfa-12561	46	20	with	with	ADP
cjfa-12561	46	21	the	the	DET
cjfa-12561	46	22	risk	risk	NOUN
cjfa-12561	46	23	in	in	ADP
cjfa-12561	46	24	such	such	DET
cjfa-12561	46	25	a	a	DET
cjfa-12561	46	26	way	way	NOUN
cjfa-12561	46	27	that	that	PRON
cjfa-12561	46	28	the	the	DET
cjfa-12561	46	29	activity	activity	NOUN
cjfa-12561	46	30	as	as	ADP
cjfa-12561	46	31	a	a	DET
cjfa-12561	46	32	whole	whole	ADJ
cjfa-12561	46	33	and	and	CCONJ
cjfa-12561	46	34	individual	individual	ADJ
cjfa-12561	46	35	fields	field	NOUN
cjfa-12561	46	36	,	,	PUNCT
cjfa-12561	46	37	bring	bring	VERB
cjfa-12561	46	38	sustainable	sustainable	ADJ
cjfa-12561	46	39	avail	avail	NOUN
cjfa-12561	46	40	.	.	PUNCT
cjfa-12561	47	1	the	the	DET
cjfa-12561	47	2	risk	risk	NOUN
cjfa-12561	47	3	management	management	NOUN
cjfa-12561	47	4	process	process	NOUN
cjfa-12561	47	5	consists	consist	VERB
cjfa-12561	47	6	of	of	ADP
cjfa-12561	47	7	four	four	NUM
cjfa-12561	47	8	successive	successive	ADJ
cjfa-12561	47	9	stages	stage	NOUN
cjfa-12561	47	10	(	(	PUNCT
cjfa-12561	47	11	kochaniak	kochaniak	PROPN
cjfa-12561	47	12	,	,	PUNCT
cjfa-12561	47	13	2012	2012	NUM
cjfa-12561	47	14	,	,	PUNCT
cjfa-12561	47	15	pp	pp	ADV
cjfa-12561	47	16	.	.	PUNCT
cjfa-12561	48	1	239–240	239–240	NUM
cjfa-12561	48	2	):	):	PUNCT
cjfa-12561	48	3	■	■	PUNCT
cjfa-12561	48	4	identification	identification	NOUN
cjfa-12561	48	5	–	–	PUNCT
cjfa-12561	48	6	risks	risk	VERB
cjfa-12561	48	7	indication	indication	NOUN
cjfa-12561	48	8	and	and	CCONJ
cjfa-12561	48	9	its	its	PRON
cjfa-12561	48	10	main	main	ADJ
cjfa-12561	48	11	sources	source	NOUN
cjfa-12561	48	12	,	,	PUNCT
cjfa-12561	48	13	■	■	PUNCT
cjfa-12561	48	14	measurement	measurement	NOUN
cjfa-12561	48	15	–	–	PUNCT
cjfa-12561	48	16	use	use	NOUN
cjfa-12561	48	17	of	of	ADP
cjfa-12561	48	18	models	model	NOUN
cjfa-12561	48	19	and	and	CCONJ
cjfa-12561	48	20	systems	system	NOUN
cjfa-12561	48	21	which	which	PRON
cjfa-12561	48	22	are	be	AUX
cjfa-12561	48	23	a	a	DET
cjfa-12561	48	24	source	source	NOUN
cjfa-12561	48	25	of	of	ADP
cjfa-12561	48	26	information	information	NOUN
cjfa-12561	48	27	about	about	ADP
cjfa-12561	48	28	the	the	DET
cjfa-12561	48	29	scale	scale	NOUN
cjfa-12561	48	30	of	of	ADP
cjfa-12561	48	31	exposure	exposure	NOUN
cjfa-12561	48	32	of	of	ADP
cjfa-12561	48	33	particular	particular	ADJ
cjfa-12561	48	34	units	unit	NOUN
cjfa-12561	48	35	and	and	CCONJ
cjfa-12561	48	36	whole	whole	ADJ
cjfa-12561	48	37	institutions	institution	NOUN
cjfa-12561	48	38	,	,	PUNCT
cjfa-12561	48	39	■	■	PUNCT
cjfa-12561	48	40	monitoring	monitoring	NOUN
cjfa-12561	48	41	and	and	CCONJ
cjfa-12561	48	42	review	review	NOUN
cjfa-12561	48	43	–	–	PUNCT
cjfa-12561	48	44	ensuring	ensure	VERB
cjfa-12561	48	45	compatibility	compatibility	NOUN
cjfa-12561	48	46	between	between	ADP
cjfa-12561	48	47	established	establish	VERB
cjfa-12561	48	48	risk	risk	NOUN
cjfa-12561	48	49	exposure	exposure	NOUN
cjfa-12561	48	50	and	and	CCONJ
cjfa-12561	48	51	risk	risk	NOUN
cjfa-12561	48	52	that	that	PRON
cjfa-12561	48	53	occur	occur	VERB
cjfa-12561	48	54	in	in	ADP
cjfa-12561	48	55	point	point	NOUN
cjfa-12561	48	56	of	of	ADP
cjfa-12561	48	57	fact	fact	NOUN
cjfa-12561	48	58	,	,	PUNCT
cjfa-12561	48	59	■	■	PUNCT
cjfa-12561	48	60	verification	verification	NOUN
cjfa-12561	48	61	–	–	PUNCT
cjfa-12561	48	62	ensuring	ensure	VERB
cjfa-12561	48	63	efficient	efficient	ADJ
cjfa-12561	48	64	and	and	CCONJ
cjfa-12561	48	65	safe	safe	ADJ
cjfa-12561	48	66	operation	operation	NOUN
cjfa-12561	48	67	of	of	ADP
cjfa-12561	48	68	the	the	DET
cjfa-12561	48	69	credit	credit	NOUN
cjfa-12561	48	70	institution	institution	NOUN
cjfa-12561	48	71	and	and	CCONJ
cjfa-12561	48	72	effective	effective	ADJ
cjfa-12561	48	73	risk	risk	NOUN
cjfa-12561	48	74	management	management	NOUN
cjfa-12561	48	75	.	.	PUNCT
cjfa-12561	49	1	the	the	DET
cjfa-12561	49	2	risk	risk	NOUN
cjfa-12561	49	3	management	management	NOUN
cjfa-12561	49	4	process	process	NOUN
cjfa-12561	49	5	subject	subject	ADJ
cjfa-12561	49	6	to	to	ADP
cjfa-12561	49	7	individual	individual	ADJ
cjfa-12561	49	8	adaptation	adaptation	NOUN
cjfa-12561	49	9	to	to	PART
cjfa-12561	49	10	needs	need	NOUN
cjfa-12561	49	11	of	of	ADP
cjfa-12561	49	12	each	each	DET
cjfa-12561	49	13	institution	institution	NOUN
cjfa-12561	49	14	.	.	PUNCT
cjfa-12561	50	1	entities	entity	NOUN
cjfa-12561	50	2	with	with	ADP
cjfa-12561	50	3	complex	complex	ADJ
cjfa-12561	50	4	asset	asset	NOUN
cjfa-12561	50	5	structure	structure	NOUN
cjfa-12561	50	6	and	and	CCONJ
cjfa-12561	50	7	significantly	significantly	ADV
cjfa-12561	50	8	involved	involve	VERB
cjfa-12561	50	9	in	in	ADP
cjfa-12561	50	10	off	off	ADP
cjfa-12561	50	11	-	-	PUNCT
cjfa-12561	50	12	balance	balance	NOUN
cjfa-12561	50	13	sheet	sheet	NOUN
cjfa-12561	50	14	operations	operation	NOUN
cjfa-12561	50	15	will	will	AUX
cjfa-12561	50	16	have	have	VERB
cjfa-12561	50	17	more	more	ADV
cjfa-12561	50	18	complicated	complicated	ADJ
cjfa-12561	50	19	organizamichał	organizamichał	X
cjfa-12561	50	20	boda48	boda48	NOUN
cjfa-12561	50	21	tional	tional	ADJ
cjfa-12561	50	22	and	and	CCONJ
cjfa-12561	50	23	procedural	procedural	ADJ
cjfa-12561	50	24	solutions	solution	NOUN
cjfa-12561	50	25	.	.	PUNCT
cjfa-12561	51	1	small	small	ADJ
cjfa-12561	51	2	banks	bank	NOUN
cjfa-12561	51	3	,	,	PUNCT
cjfa-12561	51	4	which	which	DET
cjfa-12561	51	5	business	business	NOUN
cjfa-12561	51	6	scope	scope	NOUN
cjfa-12561	51	7	is	be	AUX
cjfa-12561	51	8	rather	rather	ADV
cjfa-12561	51	9	limited	limited	ADJ
cjfa-12561	51	10	,	,	PUNCT
cjfa-12561	51	11	use	use	VERB
cjfa-12561	51	12	a	a	DET
cjfa-12561	51	13	simpler	simple	ADJ
cjfa-12561	51	14	method	method	NOUN
cjfa-12561	51	15	of	of	ADP
cjfa-12561	51	16	risk	risk	NOUN
cjfa-12561	51	17	management	management	NOUN
cjfa-12561	51	18	.	.	PUNCT
cjfa-12561	52	1	the	the	DET
cjfa-12561	52	2	scale	scale	NOUN
cjfa-12561	52	3	of	of	ADP
cjfa-12561	52	4	risk	risk	NOUN
cjfa-12561	52	5	exposure	exposure	NOUN
cjfa-12561	52	6	decides	decide	VERB
cjfa-12561	52	7	about	about	ADP
cjfa-12561	52	8	importance	importance	NOUN
cjfa-12561	52	9	of	of	ADP
cjfa-12561	52	10	organizational	organizational	ADJ
cjfa-12561	52	11	and	and	CCONJ
cjfa-12561	52	12	procedural	procedural	ADJ
cjfa-12561	52	13	solutions	solution	NOUN
cjfa-12561	52	14	and	and	CCONJ
cjfa-12561	52	15	a	a	DET
cjfa-12561	52	16	size	size	NOUN
cjfa-12561	52	17	of	of	ADP
cjfa-12561	52	18	regulatory	regulatory	ADJ
cjfa-12561	52	19	or	or	CCONJ
cjfa-12561	52	20	internal	internal	ADJ
cjfa-12561	52	21	capital	capital	NOUN
cjfa-12561	52	22	(	(	PUNCT
cjfa-12561	52	23	kochaniak	kochaniak	PROPN
cjfa-12561	52	24	,	,	PUNCT
cjfa-12561	52	25	2012	2012	NUM
cjfa-12561	52	26	,	,	PUNCT
cjfa-12561	52	27	p.	p.	NOUN
cjfa-12561	52	28	241	241	NUM
cjfa-12561	52	29	)	)	PUNCT
cjfa-12561	52	30	.	.	PUNCT
cjfa-12561	53	1	in	in	ADP
cjfa-12561	53	2	accordance	accordance	NOUN
cjfa-12561	53	3	with	with	ADP
cjfa-12561	53	4	the	the	DET
cjfa-12561	53	5	literature	literature	NOUN
cjfa-12561	53	6	,	,	PUNCT
cjfa-12561	53	7	and	and	CCONJ
cjfa-12561	53	8	administrative	administrative	ADJ
cjfa-12561	53	9	division	division	NOUN
cjfa-12561	53	10	of	of	ADP
cjfa-12561	53	11	risks	risk	NOUN
cjfa-12561	53	12	in	in	ADP
cjfa-12561	53	13	banks	bank	NOUN
cjfa-12561	53	14	business	business	NOUN
cjfa-12561	53	15	,	,	PUNCT
cjfa-12561	53	16	it	it	PRON
cjfa-12561	53	17	can	can	AUX
cjfa-12561	53	18	be	be	AUX
cjfa-12561	53	19	distinguish	distinguish	VERB
cjfa-12561	53	20	two	two	NUM
cjfa-12561	53	21	pillars	pillar	NOUN
cjfa-12561	53	22	of	of	ADP
cjfa-12561	53	23	the	the	DET
cjfa-12561	53	24	risk	risk	NOUN
cjfa-12561	53	25	:	:	PUNCT
cjfa-12561	53	26	■	■	PUNCT
cjfa-12561	53	27	the	the	DET
cjfa-12561	53	28	first	first	ADJ
cjfa-12561	53	29	pillar	pillar	NOUN
cjfa-12561	53	30	–	–	PUNCT
cjfa-12561	53	31	basic	basic	ADJ
cjfa-12561	53	32	risks	risk	NOUN
cjfa-12561	53	33	:	:	PUNCT
cjfa-12561	53	34	credit	credit	NOUN
cjfa-12561	53	35	risk	risk	NOUN
cjfa-12561	53	36	,	,	PUNCT
cjfa-12561	53	37	liquidity	liquidity	NOUN
cjfa-12561	53	38	risk	risk	NOUN
cjfa-12561	53	39	,	,	PUNCT
cjfa-12561	53	40	operational	operational	ADJ
cjfa-12561	53	41	risk	risk	NOUN
cjfa-12561	53	42	,	,	PUNCT
cjfa-12561	53	43	market	market	NOUN
cjfa-12561	53	44	risk	risk	NOUN
cjfa-12561	53	45	,	,	PUNCT
cjfa-12561	53	46	■	■	PUNCT
cjfa-12561	53	47	the	the	DET
cjfa-12561	53	48	second	second	ADJ
cjfa-12561	53	49	pillar	pillar	NOUN
cjfa-12561	53	50	–	–	PUNCT
cjfa-12561	53	51	risk	risk	NOUN
cjfa-12561	53	52	types	type	NOUN
cjfa-12561	53	53	which	which	PRON
cjfa-12561	53	54	are	be	AUX
cjfa-12561	53	55	particularly	particularly	ADV
cjfa-12561	53	56	relevant	relevant	ADJ
cjfa-12561	53	57	to	to	ADP
cjfa-12561	53	58	banks	bank	NOUN
cjfa-12561	53	59	due	due	ADJ
cjfa-12561	53	60	to	to	ADP
cjfa-12561	53	61	their	their	PRON
cjfa-12561	53	62	business	business	NOUN
cjfa-12561	53	63	profile	profile	NOUN
cjfa-12561	53	64	and	and	CCONJ
cjfa-12561	53	65	these	these	PRON
cjfa-12561	53	66	that	that	PRON
cjfa-12561	53	67	may	may	AUX
cjfa-12561	53	68	arise	arise	VERB
cjfa-12561	53	69	as	as	ADP
cjfa-12561	53	70	a	a	DET
cjfa-12561	53	71	result	result	NOUN
cjfa-12561	53	72	of	of	ADP
cjfa-12561	53	73	changes	change	NOUN
cjfa-12561	53	74	in	in	ADP
cjfa-12561	53	75	economic	economic	ADJ
cjfa-12561	53	76	environment	environment	NOUN
cjfa-12561	53	77	,	,	PUNCT
cjfa-12561	53	78	e.g.	e.g.	ADV
cjfa-12561	53	79	risk	risk	NOUN
cjfa-12561	53	80	of	of	ADP
cjfa-12561	53	81	reputational	reputational	ADJ
cjfa-12561	53	82	,	,	PUNCT
cjfa-12561	53	83	business	business	NOUN
cjfa-12561	53	84	,	,	PUNCT
cjfa-12561	53	85	concentration	concentration	NOUN
cjfa-12561	53	86	,	,	PUNCT
cjfa-12561	53	87	legal	legal	ADJ
cjfa-12561	53	88	,	,	PUNCT
cjfa-12561	53	89	strategic	strategic	ADJ
cjfa-12561	53	90	,	,	PUNCT
cjfa-12561	53	91	etc	etc	X
cjfa-12561	53	92	.	.	X
cjfa-12561	53	93	listed	list	VERB
cjfa-12561	53	94	above	above	ADP
cjfa-12561	53	95	risks	risk	NOUN
cjfa-12561	53	96	do	do	AUX
cjfa-12561	53	97	not	not	PART
cjfa-12561	53	98	exhaust	exhaust	VERB
cjfa-12561	53	99	entire	entire	ADJ
cjfa-12561	53	100	gamut	gamut	NOUN
cjfa-12561	53	101	types	type	NOUN
cjfa-12561	53	102	of	of	ADP
cjfa-12561	53	103	risks	risk	NOUN
cjfa-12561	53	104	with	with	ADP
cjfa-12561	53	105	which	which	PRON
cjfa-12561	53	106	we	we	PRON
cjfa-12561	53	107	can	can	AUX
cjfa-12561	53	108	meet	meet	VERB
cjfa-12561	53	109	in	in	ADP
cjfa-12561	53	110	the	the	DET
cjfa-12561	53	111	banking	banking	NOUN
cjfa-12561	53	112	business	business	NOUN
cjfa-12561	53	113	,	,	PUNCT
cjfa-12561	53	114	but	but	CCONJ
cjfa-12561	53	115	these	these	DET
cjfa-12561	53	116	ones	one	NOUN
cjfa-12561	53	117	belong	belong	VERB
cjfa-12561	53	118	to	to	ADP
cjfa-12561	53	119	the	the	DET
cjfa-12561	53	120	group	group	NOUN
cjfa-12561	53	121	of	of	ADP
cjfa-12561	53	122	the	the	DET
cjfa-12561	53	123	most	most	ADV
cjfa-12561	53	124	commonly	commonly	ADV
cjfa-12561	53	125	encountered	encounter	VERB
cjfa-12561	53	126	in	in	ADP
cjfa-12561	53	127	credit	credit	NOUN
cjfa-12561	53	128	institutions	institution	NOUN
cjfa-12561	53	129	business	business	NOUN
cjfa-12561	53	130	.	.	PUNCT
cjfa-12561	54	1	all	all	PRON
cjfa-12561	54	2	considered	consider	VERB
cjfa-12561	54	3	as	as	ADP
cjfa-12561	54	4	substantial	substantial	ADJ
cjfa-12561	54	5	risk	risk	NOUN
cjfa-12561	54	6	types	type	NOUN
cjfa-12561	54	7	have	have	VERB
cjfa-12561	54	8	to	to	PART
cjfa-12561	54	9	find	find	VERB
cjfa-12561	54	10	coverage	coverage	NOUN
cjfa-12561	54	11	in	in	ADP
cjfa-12561	54	12	the	the	DET
cjfa-12561	54	13	regulatory	regulatory	ADJ
cjfa-12561	54	14	or	or	CCONJ
cjfa-12561	54	15	internal	internal	ADJ
cjfa-12561	54	16	capital	capital	NOUN
cjfa-12561	54	17	of	of	ADP
cjfa-12561	54	18	a	a	DET
cjfa-12561	54	19	credit	credit	NOUN
cjfa-12561	54	20	institution	institution	NOUN
cjfa-12561	54	21	.	.	PUNCT
cjfa-12561	55	1	the	the	DET
cjfa-12561	55	2	effectiveness	effectiveness	NOUN
cjfa-12561	55	3	of	of	ADP
cjfa-12561	55	4	risk	risk	NOUN
cjfa-12561	55	5	management	management	NOUN
cjfa-12561	55	6	determines	determine	VERB
cjfa-12561	55	7	the	the	DET
cjfa-12561	55	8	position	position	NOUN
cjfa-12561	55	9	of	of	ADP
cjfa-12561	55	10	banks	bank	NOUN
cjfa-12561	55	11	in	in	ADP
cjfa-12561	55	12	the	the	DET
cjfa-12561	55	13	sector	sector	NOUN
cjfa-12561	55	14	,	,	PUNCT
cjfa-12561	55	15	while	while	SCONJ
cjfa-12561	55	16	all	all	DET
cjfa-12561	55	17	their	their	PRON
cjfa-12561	55	18	weaknesses	weakness	NOUN
cjfa-12561	55	19	are	be	AUX
cjfa-12561	55	20	the	the	DET
cjfa-12561	55	21	source	source	NOUN
cjfa-12561	55	22	of	of	ADP
cjfa-12561	55	23	potential	potential	ADJ
cjfa-12561	55	24	financial	financial	ADJ
cjfa-12561	55	25	and	and	CCONJ
cjfa-12561	55	26	economic	economic	ADJ
cjfa-12561	55	27	crises	crisis	NOUN
cjfa-12561	55	28	.	.	PUNCT
cjfa-12561	56	1	precisely	precisely	ADV
cjfa-12561	56	2	defined	define	VERB
cjfa-12561	56	3	and	and	CCONJ
cjfa-12561	56	4	properly	properly	ADV
cjfa-12561	56	5	functioning	function	VERB
cjfa-12561	56	6	internal	internal	ADJ
cjfa-12561	56	7	organizational	organizational	ADJ
cjfa-12561	56	8	structure	structure	NOUN
cjfa-12561	56	9	increases	increase	VERB
cjfa-12561	56	10	the	the	DET
cjfa-12561	56	11	safety	safety	NOUN
cjfa-12561	56	12	of	of	ADP
cjfa-12561	56	13	the	the	DET
cjfa-12561	56	14	entire	entire	ADJ
cjfa-12561	56	15	bank	bank	NOUN
cjfa-12561	56	16	.	.	PUNCT
cjfa-12561	57	1	furthermore	furthermore	ADV
cjfa-12561	57	2	awareness	awareness	NOUN
cjfa-12561	57	3	of	of	ADP
cjfa-12561	57	4	responsibility	responsibility	NOUN
cjfa-12561	57	5	reduces	reduce	VERB
cjfa-12561	57	6	the	the	DET
cjfa-12561	57	7	risk	risk	NOUN
cjfa-12561	57	8	resulting	result	VERB
cjfa-12561	57	9	from	from	ADP
cjfa-12561	57	10	mistakes	mistake	NOUN
cjfa-12561	57	11	(	(	PUNCT
cjfa-12561	57	12	kochaniak	kochaniak	PROPN
cjfa-12561	57	13	,	,	PUNCT
cjfa-12561	57	14	2012	2012	NUM
cjfa-12561	57	15	,	,	PUNCT
cjfa-12561	57	16	pp	pp	ADJ
cjfa-12561	57	17	.	.	PUNCT
cjfa-12561	58	1	243	243	NUM
cjfa-12561	58	2	,	,	PUNCT
cjfa-12561	58	3	251–252	251–252	NUM
cjfa-12561	58	4	)	)	PUNCT
cjfa-12561	58	5	.	.	PUNCT
cjfa-12561	59	1	the	the	DET
cjfa-12561	59	2	research	research	NOUN
cjfa-12561	59	3	methodology	methodology	NOUN
cjfa-12561	59	4	and	and	CCONJ
cjfa-12561	59	5	the	the	DET
cjfa-12561	59	6	course	course	NOUN
cjfa-12561	59	7	of	of	ADP
cjfa-12561	59	8	the	the	DET
cjfa-12561	59	9	research	research	NOUN
cjfa-12561	59	10	process	process	NOUN
cjfa-12561	59	11	as	as	ADP
cjfa-12561	59	12	a	a	DET
cjfa-12561	59	13	result	result	NOUN
cjfa-12561	59	14	of	of	ADP
cjfa-12561	59	15	a	a	DET
cjfa-12561	59	16	combination	combination	NOUN
cjfa-12561	59	17	of	of	ADP
cjfa-12561	59	18	these	these	DET
cjfa-12561	59	19	two	two	NUM
cjfa-12561	59	20	variables	variable	NOUN
cjfa-12561	59	21	,	,	PUNCT
cjfa-12561	59	22	i.e.	i.e.	X
cjfa-12561	59	23	own	own	ADJ
cjfa-12561	59	24	funds	fund	NOUN
cjfa-12561	59	25	and	and	CCONJ
cjfa-12561	59	26	risk	risk	NOUN
cjfa-12561	59	27	,	,	PUNCT
cjfa-12561	59	28	a	a	DET
cjfa-12561	59	29	return	return	NOUN
cjfa-12561	59	30	on	on	ADP
cjfa-12561	59	31	equity	equity	NOUN
cjfa-12561	59	32	models	model	NOUN
cjfa-12561	59	33	,	,	PUNCT
cjfa-12561	59	34	but	but	CCONJ
cjfa-12561	59	35	also	also	ADV
cjfa-12561	59	36	taking	take	VERB
cjfa-12561	59	37	into	into	ADP
cjfa-12561	59	38	account	account	NOUN
cjfa-12561	59	39	the	the	DET
cjfa-12561	59	40	risk	risk	NOUN
cjfa-12561	59	41	involved	involve	VERB
cjfa-12561	59	42	in	in	ADP
cjfa-12561	59	43	the	the	DET
cjfa-12561	59	44	ordinary	ordinary	ADJ
cjfa-12561	59	45	course	course	NOUN
cjfa-12561	59	46	of	of	ADP
cjfa-12561	59	47	business	business	NOUN
cjfa-12561	59	48	,	,	PUNCT
cjfa-12561	59	49	are	be	AUX
cjfa-12561	59	50	obtained	obtain	VERB
cjfa-12561	59	51	.	.	PUNCT
cjfa-12561	60	1	these	these	PRON
cjfa-12561	60	2	are	be	AUX
cjfa-12561	60	3	so	so	ADV
cjfa-12561	60	4	-	-	PUNCT
cjfa-12561	60	5	called	call	VERB
cjfa-12561	60	6	risk	risk	NOUN
cjfa-12561	60	7	adjustment	adjustment	NOUN
cjfa-12561	60	8	performance	performance	NOUN
cjfa-12561	60	9	measures	measure	NOUN
cjfa-12561	60	10	(	(	PUNCT
cjfa-12561	60	11	rapm	rapm	ADJ
cjfa-12561	60	12	)	)	PUNCT
cjfa-12561	60	13	models	model	NOUN
cjfa-12561	60	14	.	.	PUNCT
cjfa-12561	61	1	thanks	thank	NOUN
cjfa-12561	61	2	to	to	ADP
cjfa-12561	61	3	these	these	DET
cjfa-12561	61	4	indicators	indicator	NOUN
cjfa-12561	61	5	,	,	PUNCT
cjfa-12561	61	6	it	it	PRON
cjfa-12561	61	7	is	be	AUX
cjfa-12561	61	8	possible	possible	ADJ
cjfa-12561	61	9	to	to	PART
cjfa-12561	61	10	observe	observe	VERB
cjfa-12561	61	11	the	the	DET
cjfa-12561	61	12	relationship	relationship	NOUN
cjfa-12561	61	13	between	between	ADP
cjfa-12561	61	14	the	the	DET
cjfa-12561	61	15	risk	risk	NOUN
cjfa-12561	61	16	incurred	incur	VERB
cjfa-12561	61	17	by	by	ADP
cjfa-12561	61	18	a	a	DET
cjfa-12561	61	19	credit	credit	NOUN
cjfa-12561	61	20	institution	institution	NOUN
cjfa-12561	61	21	,	,	PUNCT
cjfa-12561	61	22	and	and	CCONJ
cjfa-12561	61	23	the	the	DET
cjfa-12561	61	24	obtained	obtain	VERB
cjfa-12561	61	25	effects	effect	NOUN
cjfa-12561	61	26	of	of	ADP
cjfa-12561	61	27	business	business	NOUN
cjfa-12561	61	28	activity	activity	NOUN
cjfa-12561	61	29	.	.	PUNCT
cjfa-12561	62	1	in	in	ADP
cjfa-12561	62	2	the	the	DET
cjfa-12561	62	3	literature	literature	NOUN
cjfa-12561	62	4	,	,	PUNCT
cjfa-12561	62	5	there	there	PRON
cjfa-12561	62	6	is	be	VERB
cjfa-12561	62	7	not	not	PART
cjfa-12561	62	8	one	one	NUM
cjfa-12561	62	9	a	a	DET
cjfa-12561	62	10	commonly	commonly	ADV
cjfa-12561	62	11	used	use	VERB
cjfa-12561	62	12	algorithm	algorithm	NOUN
cjfa-12561	62	13	for	for	ADP
cjfa-12561	62	14	calculating	calculate	VERB
cjfa-12561	62	15	such	such	ADJ
cjfa-12561	62	16	indicators	indicator	NOUN
cjfa-12561	62	17	,	,	PUNCT
cjfa-12561	62	18	but	but	CCONJ
cjfa-12561	62	19	the	the	DET
cjfa-12561	62	20	formula	formula	NOUN
cjfa-12561	62	21	in	in	ADP
cjfa-12561	62	22	the	the	DET
cjfa-12561	62	23	general	general	ADJ
cjfa-12561	62	24	form	form	NOUN
cjfa-12561	62	25	can	can	AUX
cjfa-12561	62	26	be	be	AUX
cjfa-12561	62	27	represented	represent	VERB
cjfa-12561	62	28	as	as	ADP
cjfa-12561	62	29	follows	follow	VERB
cjfa-12561	62	30	(	(	PUNCT
cjfa-12561	62	31	kałużny	kałużny	NOUN
cjfa-12561	62	32	,	,	PUNCT
cjfa-12561	62	33	2012	2012	NUM
cjfa-12561	62	34	,	,	PUNCT
cjfa-12561	62	35	p.	p.	NOUN
cjfa-12561	62	36	237	237	NUM
cjfa-12561	62	37	):	):	PUNCT
cjfa-12561	62	38	in	in	ADP
cjfa-12561	62	39	accordance	accordance	NOUN
cjfa-12561	62	40	with	with	ADP
cjfa-12561	62	41	the	the	DET
cjfa-12561	62	42	literature	literature	NOUN
cjfa-12561	62	43	,	,	PUNCT
cjfa-12561	62	44	and	and	CCONJ
cjfa-12561	62	45	administrative	administrative	ADJ
cjfa-12561	62	46	division	division	NOUN
cjfa-12561	62	47	of	of	ADP
cjfa-12561	62	48	risks	risk	NOUN
cjfa-12561	62	49	in	in	ADP
cjfa-12561	62	50	banks	bank	NOUN
cjfa-12561	62	51	business	business	NOUN
cjfa-12561	62	52	,	,	PUNCT
cjfa-12561	62	53	it	it	PRON
cjfa-12561	62	54	can	can	AUX
cjfa-12561	62	55	be	be	AUX
cjfa-12561	62	56	distinguish	distinguish	VERB
cjfa-12561	62	57	two	two	NUM
cjfa-12561	62	58	pillars	pillar	NOUN
cjfa-12561	62	59	of	of	ADP
cjfa-12561	62	60	the	the	DET
cjfa-12561	62	61	risk	risk	NOUN
cjfa-12561	62	62	:	:	PUNCT
cjfa-12561	62	63			VERB
cjfa-12561	62	64	the	the	DET
cjfa-12561	62	65	first	first	ADJ
cjfa-12561	62	66	pillar	pillar	ADJ
cjfa-12561	62	67	basic	basic	ADJ
cjfa-12561	62	68	risks	risk	NOUN
cjfa-12561	62	69	:	:	PUNCT
cjfa-12561	62	70	credit	credit	NOUN
cjfa-12561	62	71	risk	risk	NOUN
cjfa-12561	62	72	,	,	PUNCT
cjfa-12561	62	73	liquidity	liquidity	NOUN
cjfa-12561	62	74	risk	risk	NOUN
cjfa-12561	62	75	,	,	PUNCT
cjfa-12561	62	76	operational	operational	ADJ
cjfa-12561	62	77	risk	risk	NOUN
cjfa-12561	62	78	,	,	PUNCT
cjfa-12561	62	79	market	market	NOUN
cjfa-12561	62	80	risk	risk	NOUN
cjfa-12561	62	81	,	,	PUNCT
cjfa-12561	62	82			VERB
cjfa-12561	62	83	the	the	DET
cjfa-12561	62	84	second	second	ADJ
cjfa-12561	62	85	pillar	pillar	NOUN
cjfa-12561	62	86	risk	risk	NOUN
cjfa-12561	62	87	types	type	NOUN
cjfa-12561	62	88	which	which	PRON
cjfa-12561	62	89	are	be	AUX
cjfa-12561	62	90	particularly	particularly	ADV
cjfa-12561	62	91	relevant	relevant	ADJ
cjfa-12561	62	92	to	to	ADP
cjfa-12561	62	93	banks	bank	NOUN
cjfa-12561	62	94	due	due	ADJ
cjfa-12561	62	95	to	to	ADP
cjfa-12561	62	96	their	their	PRON
cjfa-12561	62	97	business	business	NOUN
cjfa-12561	62	98	profile	profile	NOUN
cjfa-12561	62	99	and	and	CCONJ
cjfa-12561	62	100	these	these	PRON
cjfa-12561	62	101	that	that	PRON
cjfa-12561	62	102	may	may	AUX
cjfa-12561	62	103	arise	arise	VERB
cjfa-12561	62	104	as	as	ADP
cjfa-12561	62	105	a	a	DET
cjfa-12561	62	106	result	result	NOUN
cjfa-12561	62	107	of	of	ADP
cjfa-12561	62	108	changes	change	NOUN
cjfa-12561	62	109	in	in	ADP
cjfa-12561	62	110	economic	economic	ADJ
cjfa-12561	62	111	environment	environment	NOUN
cjfa-12561	62	112	,	,	PUNCT
cjfa-12561	62	113	e.g.	e.g.	ADV
cjfa-12561	62	114	risk	risk	NOUN
cjfa-12561	62	115	of	of	ADP
cjfa-12561	62	116	reputational	reputational	ADJ
cjfa-12561	62	117	,	,	PUNCT
cjfa-12561	62	118	business	business	NOUN
cjfa-12561	62	119	,	,	PUNCT
cjfa-12561	62	120	concentration	concentration	NOUN
cjfa-12561	62	121	,	,	PUNCT
cjfa-12561	62	122	legal	legal	ADJ
cjfa-12561	62	123	,	,	PUNCT
cjfa-12561	62	124	strategic	strategic	ADJ
cjfa-12561	62	125	,	,	PUNCT
cjfa-12561	62	126	etc	etc	X
cjfa-12561	62	127	.	.	X
cjfa-12561	62	128	listed	list	VERB
cjfa-12561	62	129	above	above	ADP
cjfa-12561	62	130	risks	risk	NOUN
cjfa-12561	62	131	do	do	AUX
cjfa-12561	62	132	not	not	PART
cjfa-12561	62	133	exhaust	exhaust	VERB
cjfa-12561	62	134	entire	entire	ADJ
cjfa-12561	62	135	gamut	gamut	NOUN
cjfa-12561	62	136	types	type	NOUN
cjfa-12561	62	137	of	of	ADP
cjfa-12561	62	138	risks	risk	NOUN
cjfa-12561	62	139	with	with	ADP
cjfa-12561	62	140	which	which	PRON
cjfa-12561	62	141	we	we	PRON
cjfa-12561	62	142	can	can	AUX
cjfa-12561	62	143	meet	meet	VERB
cjfa-12561	62	144	in	in	ADP
cjfa-12561	62	145	the	the	DET
cjfa-12561	62	146	banking	banking	NOUN
cjfa-12561	62	147	business	business	NOUN
cjfa-12561	62	148	,	,	PUNCT
cjfa-12561	62	149	but	but	CCONJ
cjfa-12561	62	150	these	these	DET
cjfa-12561	62	151	ones	one	NOUN
cjfa-12561	62	152	belong	belong	VERB
cjfa-12561	62	153	to	to	ADP
cjfa-12561	62	154	the	the	DET
cjfa-12561	62	155	group	group	NOUN
cjfa-12561	62	156	of	of	ADP
cjfa-12561	62	157	the	the	DET
cjfa-12561	62	158	most	most	ADV
cjfa-12561	62	159	commonly	commonly	ADV
cjfa-12561	62	160	encountered	encounter	VERB
cjfa-12561	62	161	in	in	ADP
cjfa-12561	62	162	credit	credit	NOUN
cjfa-12561	62	163	institutions	institution	NOUN
cjfa-12561	62	164	business	business	NOUN
cjfa-12561	62	165	.	.	PUNCT
cjfa-12561	63	1	all	all	PRON
cjfa-12561	63	2	considered	consider	VERB
cjfa-12561	63	3	as	as	ADP
cjfa-12561	63	4	substantial	substantial	ADJ
cjfa-12561	63	5	risk	risk	NOUN
cjfa-12561	63	6	types	type	NOUN
cjfa-12561	63	7	have	have	VERB
cjfa-12561	63	8	to	to	PART
cjfa-12561	63	9	find	find	VERB
cjfa-12561	63	10	coverage	coverage	NOUN
cjfa-12561	63	11	in	in	ADP
cjfa-12561	63	12	the	the	DET
cjfa-12561	63	13	regulatory	regulatory	ADJ
cjfa-12561	63	14	or	or	CCONJ
cjfa-12561	63	15	internal	internal	ADJ
cjfa-12561	63	16	capital	capital	NOUN
cjfa-12561	63	17	of	of	ADP
cjfa-12561	63	18	a	a	DET
cjfa-12561	63	19	credit	credit	NOUN
cjfa-12561	63	20	institution	institution	NOUN
cjfa-12561	63	21	.	.	PUNCT
cjfa-12561	64	1	the	the	DET
cjfa-12561	64	2	effectiveness	effectiveness	NOUN
cjfa-12561	64	3	of	of	ADP
cjfa-12561	64	4	risk	risk	NOUN
cjfa-12561	64	5	management	management	NOUN
cjfa-12561	64	6	determines	determine	VERB
cjfa-12561	64	7	the	the	DET
cjfa-12561	64	8	position	position	NOUN
cjfa-12561	64	9	of	of	ADP
cjfa-12561	64	10	banks	bank	NOUN
cjfa-12561	64	11	in	in	ADP
cjfa-12561	64	12	the	the	DET
cjfa-12561	64	13	sector	sector	NOUN
cjfa-12561	64	14	,	,	PUNCT
cjfa-12561	64	15	while	while	SCONJ
cjfa-12561	64	16	all	all	DET
cjfa-12561	64	17	their	their	PRON
cjfa-12561	64	18	weaknesses	weakness	NOUN
cjfa-12561	64	19	are	be	AUX
cjfa-12561	64	20	the	the	DET
cjfa-12561	64	21	source	source	NOUN
cjfa-12561	64	22	of	of	ADP
cjfa-12561	64	23	potential	potential	ADJ
cjfa-12561	64	24	financial	financial	ADJ
cjfa-12561	64	25	and	and	CCONJ
cjfa-12561	64	26	economic	economic	ADJ
cjfa-12561	64	27	crises	crisis	NOUN
cjfa-12561	64	28	.	.	PUNCT
cjfa-12561	65	1	precisely	precisely	ADV
cjfa-12561	65	2	defined	define	VERB
cjfa-12561	65	3	and	and	CCONJ
cjfa-12561	65	4	properly	properly	ADV
cjfa-12561	65	5	functioning	function	VERB
cjfa-12561	65	6	internal	internal	ADJ
cjfa-12561	65	7	organizational	organizational	ADJ
cjfa-12561	65	8	structure	structure	NOUN
cjfa-12561	65	9	increases	increase	VERB
cjfa-12561	65	10	the	the	DET
cjfa-12561	65	11	safety	safety	NOUN
cjfa-12561	65	12	of	of	ADP
cjfa-12561	65	13	the	the	DET
cjfa-12561	65	14	entire	entire	ADJ
cjfa-12561	65	15	bank	bank	NOUN
cjfa-12561	65	16	.	.	PUNCT
cjfa-12561	66	1	furthermore	furthermore	ADV
cjfa-12561	66	2	awareness	awareness	NOUN
cjfa-12561	66	3	of	of	ADP
cjfa-12561	66	4	responsibility	responsibility	NOUN
cjfa-12561	66	5	reduces	reduce	VERB
cjfa-12561	66	6	the	the	DET
cjfa-12561	66	7	risk	risk	NOUN
cjfa-12561	66	8	resulting	result	VERB
cjfa-12561	66	9	from	from	ADP
cjfa-12561	66	10	mistakes	mistake	NOUN
cjfa-12561	66	11	(	(	PUNCT
cjfa-12561	66	12	kochaniak	kochaniak	PROPN
cjfa-12561	66	13	,	,	PUNCT
cjfa-12561	66	14	2012	2012	NUM
cjfa-12561	66	15	,	,	PUNCT
cjfa-12561	66	16	pp	pp	ADJ
cjfa-12561	66	17	.	.	PUNCT
cjfa-12561	67	1	243	243	NUM
cjfa-12561	67	2	,	,	PUNCT
cjfa-12561	67	3	251	251	NUM
cjfa-12561	67	4	-	-	SYM
cjfa-12561	67	5	252	252	NUM
cjfa-12561	67	6	)	)	PUNCT
cjfa-12561	67	7	.	.	PUNCT
cjfa-12561	68	1	the	the	DET
cjfa-12561	68	2	research	research	NOUN
cjfa-12561	68	3	methodology	methodology	NOUN
cjfa-12561	68	4	and	and	CCONJ
cjfa-12561	68	5	the	the	DET
cjfa-12561	68	6	course	course	NOUN
cjfa-12561	68	7	of	of	ADP
cjfa-12561	68	8	the	the	DET
cjfa-12561	68	9	research	research	NOUN
cjfa-12561	68	10	process	process	NOUN
cjfa-12561	68	11	as	as	ADP
cjfa-12561	68	12	a	a	DET
cjfa-12561	68	13	result	result	NOUN
cjfa-12561	68	14	of	of	ADP
cjfa-12561	68	15	a	a	DET
cjfa-12561	68	16	combination	combination	NOUN
cjfa-12561	68	17	of	of	ADP
cjfa-12561	68	18	these	these	DET
cjfa-12561	68	19	two	two	NUM
cjfa-12561	68	20	variables	variable	NOUN
cjfa-12561	68	21	,	,	PUNCT
cjfa-12561	68	22	i.e.	i.e.	X
cjfa-12561	68	23	own	own	ADJ
cjfa-12561	68	24	funds	fund	NOUN
cjfa-12561	68	25	and	and	CCONJ
cjfa-12561	68	26	risk	risk	NOUN
cjfa-12561	68	27	,	,	PUNCT
cjfa-12561	68	28	a	a	DET
cjfa-12561	68	29	return	return	NOUN
cjfa-12561	68	30	on	on	ADP
cjfa-12561	68	31	equity	equity	NOUN
cjfa-12561	68	32	models	model	NOUN
cjfa-12561	68	33	,	,	PUNCT
cjfa-12561	68	34	but	but	CCONJ
cjfa-12561	68	35	also	also	ADV
cjfa-12561	68	36	taking	take	VERB
cjfa-12561	68	37	into	into	ADP
cjfa-12561	68	38	account	account	NOUN
cjfa-12561	68	39	the	the	DET
cjfa-12561	68	40	risk	risk	NOUN
cjfa-12561	68	41	involved	involve	VERB
cjfa-12561	68	42	in	in	ADP
cjfa-12561	68	43	the	the	DET
cjfa-12561	68	44	ordinary	ordinary	ADJ
cjfa-12561	68	45	course	course	NOUN
cjfa-12561	68	46	of	of	ADP
cjfa-12561	68	47	business	business	NOUN
cjfa-12561	68	48	,	,	PUNCT
cjfa-12561	68	49	are	be	AUX
cjfa-12561	68	50	obtained	obtain	VERB
cjfa-12561	68	51	.	.	PUNCT
cjfa-12561	69	1	these	these	PRON
cjfa-12561	69	2	are	be	AUX
cjfa-12561	69	3	so	so	ADV
cjfa-12561	69	4	-	-	PUNCT
cjfa-12561	69	5	called	call	VERB
cjfa-12561	69	6	risk	risk	NOUN
cjfa-12561	69	7	adjustment	adjustment	NOUN
cjfa-12561	69	8	performance	performance	NOUN
cjfa-12561	69	9	measures	measure	NOUN
cjfa-12561	69	10	(	(	PUNCT
cjfa-12561	69	11	rapm	rapm	ADJ
cjfa-12561	69	12	)	)	PUNCT
cjfa-12561	69	13	models	model	NOUN
cjfa-12561	69	14	.	.	PUNCT
cjfa-12561	70	1	thanks	thank	NOUN
cjfa-12561	70	2	to	to	ADP
cjfa-12561	70	3	these	these	DET
cjfa-12561	70	4	indicators	indicator	NOUN
cjfa-12561	70	5	,	,	PUNCT
cjfa-12561	70	6	it	it	PRON
cjfa-12561	70	7	is	be	AUX
cjfa-12561	70	8	possible	possible	ADJ
cjfa-12561	70	9	to	to	PART
cjfa-12561	70	10	observe	observe	VERB
cjfa-12561	70	11	the	the	DET
cjfa-12561	70	12	relationship	relationship	NOUN
cjfa-12561	70	13	between	between	ADP
cjfa-12561	70	14	the	the	DET
cjfa-12561	70	15	risk	risk	NOUN
cjfa-12561	70	16	incurred	incur	VERB
cjfa-12561	70	17	by	by	ADP
cjfa-12561	70	18	a	a	DET
cjfa-12561	70	19	credit	credit	NOUN
cjfa-12561	70	20	institution	institution	NOUN
cjfa-12561	70	21	,	,	PUNCT
cjfa-12561	70	22	and	and	CCONJ
cjfa-12561	70	23	the	the	DET
cjfa-12561	70	24	obtained	obtain	VERB
cjfa-12561	70	25	effects	effect	NOUN
cjfa-12561	70	26	of	of	ADP
cjfa-12561	70	27	business	business	NOUN
cjfa-12561	70	28	activity	activity	NOUN
cjfa-12561	70	29	.	.	PUNCT
cjfa-12561	71	1	in	in	ADP
cjfa-12561	71	2	the	the	DET
cjfa-12561	71	3	literature	literature	NOUN
cjfa-12561	71	4	,	,	PUNCT
cjfa-12561	71	5	there	there	PRON
cjfa-12561	71	6	is	be	VERB
cjfa-12561	71	7	not	not	PART
cjfa-12561	71	8	one	one	NUM
cjfa-12561	71	9	a	a	DET
cjfa-12561	71	10	commonly	commonly	ADV
cjfa-12561	71	11	used	use	VERB
cjfa-12561	71	12	algorithm	algorithm	NOUN
cjfa-12561	71	13	for	for	ADP
cjfa-12561	71	14	calculating	calculate	VERB
cjfa-12561	71	15	such	such	ADJ
cjfa-12561	71	16	indicators	indicator	NOUN
cjfa-12561	71	17	,	,	PUNCT
cjfa-12561	71	18	but	but	CCONJ
cjfa-12561	71	19	the	the	DET
cjfa-12561	71	20	formula	formula	NOUN
cjfa-12561	71	21	in	in	ADP
cjfa-12561	71	22	the	the	DET
cjfa-12561	71	23	general	general	ADJ
cjfa-12561	71	24	form	form	NOUN
cjfa-12561	71	25	can	can	AUX
cjfa-12561	71	26	be	be	AUX
cjfa-12561	71	27	represented	represent	VERB
cjfa-12561	71	28	as	as	ADP
cjfa-12561	71	29	follows	follow	VERB
cjfa-12561	71	30	(	(	PUNCT
cjfa-12561	71	31	kałużny	kałużny	NOUN
cjfa-12561	71	32	,	,	PUNCT
cjfa-12561	71	33	2012	2012	NUM
cjfa-12561	71	34	,	,	PUNCT
cjfa-12561	71	35	p.	p.	NOUN
cjfa-12561	71	36	237	237	NUM
cjfa-12561	71	37	):	):	PUNCT
cjfa-12561	72	1	�	�	PROPN
cjfa-12561	72	2	�	�	PROPN
cjfa-12561	72	3	�	�	PROPN
cjfa-12561	72	4	�	�	PROPN
cjfa-12561	72	5	�	�	PROPN
cjfa-12561	72	6	�	�	PROPN
cjfa-12561	72	7	�	�	PROPN
cjfa-12561	72	8	�	�	PROPN
cjfa-12561	72	9	�	�	PROPN
cjfa-12561	72	10	�	�	PROPN
cjfa-12561	72	11	�	�	PROPN
cjfa-12561	72	12	�	�	PROPN
cjfa-12561	72	13	�	�	PROPN
cjfa-12561	72	14	�	�	PROPN
cjfa-12561	72	15	�	�	PROPN
cjfa-12561	72	16	�	�	PROPN
cjfa-12561	72	17	�	�	PROPN
cjfa-12561	72	18	�	�	PROPN
cjfa-12561	72	19	�	�	PROPN
cjfa-12561	72	20	�	�	PROPN
cjfa-12561	72	21	�	�	PROPN
cjfa-12561	72	22	�	�	PROPN
cjfa-12561	72	23	�	�	PROPN
cjfa-12561	72	24	�	�	PROPN
cjfa-12561	72	25	�	�	PROPN
cjfa-12561	72	26	�	�	PROPN
cjfa-12561	72	27	�	�	PROPN
cjfa-12561	72	28	�	�	PROPN
cjfa-12561	72	29	�	�	PROPN
cjfa-12561	72	30	�	�	PROPN
cjfa-12561	72	31	�	�	PROPN
cjfa-12561	72	32	�	�	PROPN
cjfa-12561	72	33	(	(	PUNCT
cjfa-12561	72	34	1	1	NUM
cjfa-12561	72	35	)	)	PUNCT
cjfa-12561	72	36	the	the	DET
cjfa-12561	72	37	first	first	ADJ
cjfa-12561	72	38	indicator	indicator	NOUN
cjfa-12561	72	39	of	of	ADP
cjfa-12561	72	40	this	this	DET
cjfa-12561	72	41	group	group	NOUN
cjfa-12561	72	42	is	be	AUX
cjfa-12561	72	43	a	a	DET
cjfa-12561	72	44	risk	risk	NOUN
cjfa-12561	72	45	adjusted	adjust	VERB
cjfa-12561	72	46	return	return	NOUN
cjfa-12561	72	47	on	on	ADP
cjfa-12561	72	48	capital	capital	NOUN
cjfa-12561	72	49	(	(	PUNCT
cjfa-12561	72	50	raroc	raroc	NOUN
cjfa-12561	72	51	)	)	PUNCT
cjfa-12561	72	52	(	(	PUNCT
cjfa-12561	72	53	kałużny	kałużny	NOUN
cjfa-12561	72	54	2012	2012	NUM
cjfa-12561	72	55	,	,	PUNCT
cjfa-12561	72	56	p.	p.	NOUN
cjfa-12561	72	57	237	237	NUM
cjfa-12561	72	58	):	):	PUNCT
cjfa-12561	72	59	�	�	PROPN
cjfa-12561	72	60	�	�	PROPN
cjfa-12561	72	61	�	�	PROPN
cjfa-12561	72	62	�	�	PROPN
cjfa-12561	72	63	�	�	PROPN
cjfa-12561	72	64	�	�	PROPN
cjfa-12561	72	65	�	�	PROPN
cjfa-12561	72	66	�	�	PROPN
cjfa-12561	72	67	�	�	PROPN
cjfa-12561	72	68	�	�	PROPN
cjfa-12561	72	69	�	�	PROPN
cjfa-12561	72	70	�	�	PROPN
cjfa-12561	72	71	�	�	PROPN
cjfa-12561	72	72	�	�	PROPN
cjfa-12561	72	73	�	�	PROPN
cjfa-12561	72	74	�	�	PROPN
cjfa-12561	72	75	�	�	PROPN
cjfa-12561	72	76	�	�	PROPN
cjfa-12561	72	77	�	�	PROPN
cjfa-12561	72	78	�	�	PROPN
cjfa-12561	72	79	�	�	PROPN
cjfa-12561	72	80	�	�	PROPN
cjfa-12561	72	81	�	�	PROPN
cjfa-12561	72	82	�	�	PROPN
cjfa-12561	72	83	�	�	PROPN
cjfa-12561	72	84	�	�	PROPN
cjfa-12561	72	85	�	�	PROPN
cjfa-12561	72	86	�	�	PROPN
cjfa-12561	72	87	�	�	PROPN
cjfa-12561	72	88	�	�	PROPN
cjfa-12561	72	89	�	�	PROPN
cjfa-12561	72	90	�	�	PROPN
cjfa-12561	72	91	�	�	PROPN
cjfa-12561	72	92	∗	∗	VERB
cjfa-12561	72	93	100	100	NUM
cjfa-12561	72	94	%	%	NOUN
cjfa-12561	72	95	(	(	PUNCT
cjfa-12561	72	96	2	2	NUM
cjfa-12561	72	97	)	)	PUNCT
cjfa-12561	72	98	another	another	DET
cjfa-12561	72	99	indicator	indicator	NOUN
cjfa-12561	72	100	is	be	AUX
cjfa-12561	72	101	a	a	DET
cjfa-12561	72	102	return	return	NOUN
cjfa-12561	72	103	on	on	ADP
cjfa-12561	72	104	risk	risk	NOUN
cjfa-12561	72	105	adjusted	adjust	VERB
cjfa-12561	72	106	capital	capital	NOUN
cjfa-12561	72	107	(	(	PUNCT
cjfa-12561	72	108	rorac	rorac	NOUN
cjfa-12561	72	109	)	)	PUNCT
cjfa-12561	72	110	(	(	PUNCT
cjfa-12561	72	111	kałużny	kałużny	NOUN
cjfa-12561	72	112	,	,	PUNCT
cjfa-12561	72	113	2012	2012	NUM
cjfa-12561	72	114	,	,	PUNCT
cjfa-12561	72	115	p.	p.	NOUN
cjfa-12561	72	116	238	238	NUM
cjfa-12561	72	117	):	):	PUNCT
cjfa-12561	72	118	�	�	PROPN
cjfa-12561	72	119	�	�	PROPN
cjfa-12561	72	120	�	�	PROPN
cjfa-12561	72	121	�	�	PROPN
cjfa-12561	72	122	�	�	PROPN
cjfa-12561	72	123	�	�	PROPN
cjfa-12561	72	124	�	�	PROPN
cjfa-12561	72	125	�	�	PROPN
cjfa-12561	72	126	�	�	PROPN
cjfa-12561	72	127	�	�	PROPN
cjfa-12561	72	128	�	�	PROPN
cjfa-12561	72	129	�	�	PROPN
cjfa-12561	72	130	�	�	PROPN
cjfa-12561	72	131	�	�	PROPN
cjfa-12561	72	132	�	�	PROPN
cjfa-12561	72	133	�	�	PROPN
cjfa-12561	72	134	�	�	PROPN
cjfa-12561	72	135	�	�	PROPN
cjfa-12561	72	136	�	�	PROPN
cjfa-12561	72	137	�	�	PROPN
cjfa-12561	72	138	�	�	PROPN
cjfa-12561	72	139	�	�	PROPN
cjfa-12561	72	140	�	�	PROPN
cjfa-12561	72	141	�	�	PROPN
cjfa-12561	72	142	�	�	PROPN
cjfa-12561	72	143	�	�	PROPN
cjfa-12561	72	144	�	�	PROPN
cjfa-12561	72	145	�	�	PROPN
cjfa-12561	72	146	�	�	PROPN
cjfa-12561	72	147	�	�	PROPN
cjfa-12561	72	148	∗	∗	VERB
cjfa-12561	72	149	100	100	NUM
cjfa-12561	72	150	%	%	NOUN
cjfa-12561	72	151	(	(	PUNCT
cjfa-12561	72	152	3	3	NUM
cjfa-12561	72	153	)	)	PUNCT
cjfa-12561	72	154	where	where	SCONJ
cjfa-12561	72	155	nopat	nopat	PROPN
cjfa-12561	72	156	is	be	AUX
cjfa-12561	72	157	net	net	ADJ
cjfa-12561	72	158	operating	operating	NOUN
cjfa-12561	72	159	profit	profit	NOUN
cjfa-12561	72	160	after	after	ADP
cjfa-12561	72	161	tax	tax	NOUN
cjfa-12561	72	162	.	.	PUNCT
cjfa-12561	73	1	in	in	ADP
cjfa-12561	73	2	turn	turn	NOUN
cjfa-12561	73	3	,	,	PUNCT
cjfa-12561	73	4	the	the	DET
cjfa-12561	73	5	denominator	denominator	NOUN
cjfa-12561	73	6	is	be	AUX
cjfa-12561	73	7	the	the	DET
cjfa-12561	73	8	capital	capital	NOUN
cjfa-12561	73	9	requirement	requirement	NOUN
cjfa-12561	73	10	for	for	ADP
cjfa-12561	73	11	which	which	PRON
cjfa-12561	73	12	is	be	AUX
cjfa-12561	73	13	assumed	assume	VERB
cjfa-12561	73	14	regulatory	regulatory	ADJ
cjfa-12561	73	15	or	or	CCONJ
cjfa-12561	73	16	economic	economic	ADJ
cjfa-12561	73	17	capital	capital	NOUN
cjfa-12561	73	18	(	(	PUNCT
cjfa-12561	73	19	kałużny	kałużny	NOUN
cjfa-12561	73	20	,	,	PUNCT
cjfa-12561	73	21	2012	2012	NUM
cjfa-12561	73	22	,	,	PUNCT
cjfa-12561	73	23	p.	p.	NOUN
cjfa-12561	73	24	238	238	NUM
cjfa-12561	73	25	)	)	PUNCT
cjfa-12561	73	26	.	.	PUNCT
cjfa-12561	73	27	.	.	PUNCT
cjfa-12561	74	1	(	(	PUNCT
cjfa-12561	74	2	1	1	X
cjfa-12561	74	3	)	)	PUNCT
cjfa-12561	74	4	the	the	DET
cjfa-12561	74	5	impact	impact	NOUN
cjfa-12561	74	6	of	of	ADP
cjfa-12561	74	7	the	the	DET
cjfa-12561	74	8	2007–2009	2007–2009	NUM
cjfa-12561	74	9	financial	financial	ADJ
cjfa-12561	74	10	crisis	crisis	NOUN
cjfa-12561	74	11	…	…	PUNCT
cjfa-12561	74	12	49	49	NUM
cjfa-12561	74	13	the	the	DET
cjfa-12561	74	14	first	first	ADJ
cjfa-12561	74	15	indicator	indicator	NOUN
cjfa-12561	74	16	of	of	ADP
cjfa-12561	74	17	this	this	DET
cjfa-12561	74	18	group	group	NOUN
cjfa-12561	74	19	is	be	AUX
cjfa-12561	74	20	a	a	DET
cjfa-12561	74	21	risk	risk	NOUN
cjfa-12561	74	22	adjusted	adjust	VERB
cjfa-12561	74	23	return	return	NOUN
cjfa-12561	74	24	on	on	ADP
cjfa-12561	74	25	capital	capital	NOUN
cjfa-12561	74	26	(	(	PUNCT
cjfa-12561	74	27	raroc	raroc	NOUN
cjfa-12561	74	28	)	)	PUNCT
cjfa-12561	74	29	(	(	PUNCT
cjfa-12561	74	30	kałużny	kałużny	NOUN
cjfa-12561	74	31	2012	2012	NUM
cjfa-12561	74	32	,	,	PUNCT
cjfa-12561	74	33	p.	p.	NOUN
cjfa-12561	74	34	237	237	NUM
cjfa-12561	74	35	):	):	PUNCT
cjfa-12561	74	36	in	in	ADP
cjfa-12561	74	37	accordance	accordance	NOUN
cjfa-12561	74	38	with	with	ADP
cjfa-12561	74	39	the	the	DET
cjfa-12561	74	40	literature	literature	NOUN
cjfa-12561	74	41	,	,	PUNCT
cjfa-12561	74	42	and	and	CCONJ
cjfa-12561	74	43	administrative	administrative	ADJ
cjfa-12561	74	44	division	division	NOUN
cjfa-12561	74	45	of	of	ADP
cjfa-12561	74	46	risks	risk	NOUN
cjfa-12561	74	47	in	in	ADP
cjfa-12561	74	48	banks	bank	NOUN
cjfa-12561	74	49	business	business	NOUN
cjfa-12561	74	50	,	,	PUNCT
cjfa-12561	74	51	it	it	PRON
cjfa-12561	74	52	can	can	AUX
cjfa-12561	74	53	be	be	AUX
cjfa-12561	74	54	distinguish	distinguish	VERB
cjfa-12561	74	55	two	two	NUM
cjfa-12561	74	56	pillars	pillar	NOUN
cjfa-12561	74	57	of	of	ADP
cjfa-12561	74	58	the	the	DET
cjfa-12561	74	59	risk	risk	NOUN
cjfa-12561	74	60	:	:	PUNCT
cjfa-12561	74	61			VERB
cjfa-12561	74	62	the	the	DET
cjfa-12561	74	63	first	first	ADJ
cjfa-12561	74	64	pillar	pillar	ADJ
cjfa-12561	74	65	basic	basic	ADJ
cjfa-12561	74	66	risks	risk	NOUN
cjfa-12561	74	67	:	:	PUNCT
cjfa-12561	74	68	credit	credit	NOUN
cjfa-12561	74	69	risk	risk	NOUN
cjfa-12561	74	70	,	,	PUNCT
cjfa-12561	74	71	liquidity	liquidity	NOUN
cjfa-12561	74	72	risk	risk	NOUN
cjfa-12561	74	73	,	,	PUNCT
cjfa-12561	74	74	operational	operational	ADJ
cjfa-12561	74	75	risk	risk	NOUN
cjfa-12561	74	76	,	,	PUNCT
cjfa-12561	74	77	market	market	NOUN
cjfa-12561	74	78	risk	risk	NOUN
cjfa-12561	74	79	,	,	PUNCT
cjfa-12561	74	80			VERB
cjfa-12561	74	81	the	the	DET
cjfa-12561	74	82	second	second	ADJ
cjfa-12561	74	83	pillar	pillar	NOUN
cjfa-12561	74	84	risk	risk	NOUN
cjfa-12561	74	85	types	type	NOUN
cjfa-12561	74	86	which	which	PRON
cjfa-12561	74	87	are	be	AUX
cjfa-12561	74	88	particularly	particularly	ADV
cjfa-12561	74	89	relevant	relevant	ADJ
cjfa-12561	74	90	to	to	ADP
cjfa-12561	74	91	banks	bank	NOUN
cjfa-12561	74	92	due	due	ADJ
cjfa-12561	74	93	to	to	ADP
cjfa-12561	74	94	their	their	PRON
cjfa-12561	74	95	business	business	NOUN
cjfa-12561	74	96	profile	profile	NOUN
cjfa-12561	74	97	and	and	CCONJ
cjfa-12561	74	98	these	these	PRON
cjfa-12561	74	99	that	that	PRON
cjfa-12561	74	100	may	may	AUX
cjfa-12561	74	101	arise	arise	VERB
cjfa-12561	74	102	as	as	ADP
cjfa-12561	74	103	a	a	DET
cjfa-12561	74	104	result	result	NOUN
cjfa-12561	74	105	of	of	ADP
cjfa-12561	74	106	changes	change	NOUN
cjfa-12561	74	107	in	in	ADP
cjfa-12561	74	108	economic	economic	ADJ
cjfa-12561	74	109	environment	environment	NOUN
cjfa-12561	74	110	,	,	PUNCT
cjfa-12561	74	111	e.g.	e.g.	ADV
cjfa-12561	74	112	risk	risk	NOUN
cjfa-12561	74	113	of	of	ADP
cjfa-12561	74	114	reputational	reputational	ADJ
cjfa-12561	74	115	,	,	PUNCT
cjfa-12561	74	116	business	business	NOUN
cjfa-12561	74	117	,	,	PUNCT
cjfa-12561	74	118	concentration	concentration	NOUN
cjfa-12561	74	119	,	,	PUNCT
cjfa-12561	74	120	legal	legal	ADJ
cjfa-12561	74	121	,	,	PUNCT
cjfa-12561	74	122	strategic	strategic	ADJ
cjfa-12561	74	123	,	,	PUNCT
cjfa-12561	74	124	etc	etc	X
cjfa-12561	74	125	.	.	X
cjfa-12561	74	126	listed	list	VERB
cjfa-12561	74	127	above	above	ADP
cjfa-12561	74	128	risks	risk	NOUN
cjfa-12561	74	129	do	do	AUX
cjfa-12561	74	130	not	not	PART
cjfa-12561	74	131	exhaust	exhaust	VERB
cjfa-12561	74	132	entire	entire	ADJ
cjfa-12561	74	133	gamut	gamut	NOUN
cjfa-12561	74	134	types	type	NOUN
cjfa-12561	74	135	of	of	ADP
cjfa-12561	74	136	risks	risk	NOUN
cjfa-12561	74	137	with	with	ADP
cjfa-12561	74	138	which	which	PRON
cjfa-12561	74	139	we	we	PRON
cjfa-12561	74	140	can	can	AUX
cjfa-12561	74	141	meet	meet	VERB
cjfa-12561	74	142	in	in	ADP
cjfa-12561	74	143	the	the	DET
cjfa-12561	74	144	banking	banking	NOUN
cjfa-12561	74	145	business	business	NOUN
cjfa-12561	74	146	,	,	PUNCT
cjfa-12561	74	147	but	but	CCONJ
cjfa-12561	74	148	these	these	DET
cjfa-12561	74	149	ones	one	NOUN
cjfa-12561	74	150	belong	belong	VERB
cjfa-12561	74	151	to	to	ADP
cjfa-12561	74	152	the	the	DET
cjfa-12561	74	153	group	group	NOUN
cjfa-12561	74	154	of	of	ADP
cjfa-12561	74	155	the	the	DET
cjfa-12561	74	156	most	most	ADV
cjfa-12561	74	157	commonly	commonly	ADV
cjfa-12561	74	158	encountered	encounter	VERB
cjfa-12561	74	159	in	in	ADP
cjfa-12561	74	160	credit	credit	NOUN
cjfa-12561	74	161	institutions	institution	NOUN
cjfa-12561	74	162	business	business	NOUN
cjfa-12561	74	163	.	.	PUNCT
cjfa-12561	75	1	all	all	PRON
cjfa-12561	75	2	considered	consider	VERB
cjfa-12561	75	3	as	as	ADP
cjfa-12561	75	4	substantial	substantial	ADJ
cjfa-12561	75	5	risk	risk	NOUN
cjfa-12561	75	6	types	type	NOUN
cjfa-12561	75	7	have	have	VERB
cjfa-12561	75	8	to	to	PART
cjfa-12561	75	9	find	find	VERB
cjfa-12561	75	10	coverage	coverage	NOUN
cjfa-12561	75	11	in	in	ADP
cjfa-12561	75	12	the	the	DET
cjfa-12561	75	13	regulatory	regulatory	ADJ
cjfa-12561	75	14	or	or	CCONJ
cjfa-12561	75	15	internal	internal	ADJ
cjfa-12561	75	16	capital	capital	NOUN
cjfa-12561	75	17	of	of	ADP
cjfa-12561	75	18	a	a	DET
cjfa-12561	75	19	credit	credit	NOUN
cjfa-12561	75	20	institution	institution	NOUN
cjfa-12561	75	21	.	.	PUNCT
cjfa-12561	76	1	the	the	DET
cjfa-12561	76	2	effectiveness	effectiveness	NOUN
cjfa-12561	76	3	of	of	ADP
cjfa-12561	76	4	risk	risk	NOUN
cjfa-12561	76	5	management	management	NOUN
cjfa-12561	76	6	determines	determine	VERB
cjfa-12561	76	7	the	the	DET
cjfa-12561	76	8	position	position	NOUN
cjfa-12561	76	9	of	of	ADP
cjfa-12561	76	10	banks	bank	NOUN
cjfa-12561	76	11	in	in	ADP
cjfa-12561	76	12	the	the	DET
cjfa-12561	76	13	sector	sector	NOUN
cjfa-12561	76	14	,	,	PUNCT
cjfa-12561	76	15	while	while	SCONJ
cjfa-12561	76	16	all	all	DET
cjfa-12561	76	17	their	their	PRON
cjfa-12561	76	18	weaknesses	weakness	NOUN
cjfa-12561	76	19	are	be	AUX
cjfa-12561	76	20	the	the	DET
cjfa-12561	76	21	source	source	NOUN
cjfa-12561	76	22	of	of	ADP
cjfa-12561	76	23	potential	potential	ADJ
cjfa-12561	76	24	financial	financial	ADJ
cjfa-12561	76	25	and	and	CCONJ
cjfa-12561	76	26	economic	economic	ADJ
cjfa-12561	76	27	crises	crisis	NOUN
cjfa-12561	76	28	.	.	PUNCT
cjfa-12561	77	1	precisely	precisely	ADV
cjfa-12561	77	2	defined	define	VERB
cjfa-12561	77	3	and	and	CCONJ
cjfa-12561	77	4	properly	properly	ADV
cjfa-12561	77	5	functioning	function	VERB
cjfa-12561	77	6	internal	internal	ADJ
cjfa-12561	77	7	organizational	organizational	ADJ
cjfa-12561	77	8	structure	structure	NOUN
cjfa-12561	77	9	increases	increase	VERB
cjfa-12561	77	10	the	the	DET
cjfa-12561	77	11	safety	safety	NOUN
cjfa-12561	77	12	of	of	ADP
cjfa-12561	77	13	the	the	DET
cjfa-12561	77	14	entire	entire	ADJ
cjfa-12561	77	15	bank	bank	NOUN
cjfa-12561	77	16	.	.	PUNCT
cjfa-12561	78	1	furthermore	furthermore	ADV
cjfa-12561	78	2	awareness	awareness	NOUN
cjfa-12561	78	3	of	of	ADP
cjfa-12561	78	4	responsibility	responsibility	NOUN
cjfa-12561	78	5	reduces	reduce	VERB
cjfa-12561	78	6	the	the	DET
cjfa-12561	78	7	risk	risk	NOUN
cjfa-12561	78	8	resulting	result	VERB
cjfa-12561	78	9	from	from	ADP
cjfa-12561	78	10	mistakes	mistake	NOUN
cjfa-12561	78	11	(	(	PUNCT
cjfa-12561	78	12	kochaniak	kochaniak	PROPN
cjfa-12561	78	13	,	,	PUNCT
cjfa-12561	78	14	2012	2012	NUM
cjfa-12561	78	15	,	,	PUNCT
cjfa-12561	78	16	pp	pp	ADJ
cjfa-12561	78	17	.	.	PUNCT
cjfa-12561	79	1	243	243	NUM
cjfa-12561	79	2	,	,	PUNCT
cjfa-12561	79	3	251	251	NUM
cjfa-12561	79	4	-	-	SYM
cjfa-12561	79	5	252	252	NUM
cjfa-12561	79	6	)	)	PUNCT
cjfa-12561	79	7	.	.	PUNCT
cjfa-12561	80	1	the	the	DET
cjfa-12561	80	2	research	research	NOUN
cjfa-12561	80	3	methodology	methodology	NOUN
cjfa-12561	80	4	and	and	CCONJ
cjfa-12561	80	5	the	the	DET
cjfa-12561	80	6	course	course	NOUN
cjfa-12561	80	7	of	of	ADP
cjfa-12561	80	8	the	the	DET
cjfa-12561	80	9	research	research	NOUN
cjfa-12561	80	10	process	process	NOUN
cjfa-12561	80	11	as	as	ADP
cjfa-12561	80	12	a	a	DET
cjfa-12561	80	13	result	result	NOUN
cjfa-12561	80	14	of	of	ADP
cjfa-12561	80	15	a	a	DET
cjfa-12561	80	16	combination	combination	NOUN
cjfa-12561	80	17	of	of	ADP
cjfa-12561	80	18	these	these	DET
cjfa-12561	80	19	two	two	NUM
cjfa-12561	80	20	variables	variable	NOUN
cjfa-12561	80	21	,	,	PUNCT
cjfa-12561	80	22	i.e.	i.e.	X
cjfa-12561	80	23	own	own	ADJ
cjfa-12561	80	24	funds	fund	NOUN
cjfa-12561	80	25	and	and	CCONJ
cjfa-12561	80	26	risk	risk	NOUN
cjfa-12561	80	27	,	,	PUNCT
cjfa-12561	80	28	a	a	DET
cjfa-12561	80	29	return	return	NOUN
cjfa-12561	80	30	on	on	ADP
cjfa-12561	80	31	equity	equity	NOUN
cjfa-12561	80	32	models	model	NOUN
cjfa-12561	80	33	,	,	PUNCT
cjfa-12561	80	34	but	but	CCONJ
cjfa-12561	80	35	also	also	ADV
cjfa-12561	80	36	taking	take	VERB
cjfa-12561	80	37	into	into	ADP
cjfa-12561	80	38	account	account	NOUN
cjfa-12561	80	39	the	the	DET
cjfa-12561	80	40	risk	risk	NOUN
cjfa-12561	80	41	involved	involve	VERB
cjfa-12561	80	42	in	in	ADP
cjfa-12561	80	43	the	the	DET
cjfa-12561	80	44	ordinary	ordinary	ADJ
cjfa-12561	80	45	course	course	NOUN
cjfa-12561	80	46	of	of	ADP
cjfa-12561	80	47	business	business	NOUN
cjfa-12561	80	48	,	,	PUNCT
cjfa-12561	80	49	are	be	AUX
cjfa-12561	80	50	obtained	obtain	VERB
cjfa-12561	80	51	.	.	PUNCT
cjfa-12561	81	1	these	these	PRON
cjfa-12561	81	2	are	be	AUX
cjfa-12561	81	3	so	so	ADV
cjfa-12561	81	4	-	-	PUNCT
cjfa-12561	81	5	called	call	VERB
cjfa-12561	81	6	risk	risk	NOUN
cjfa-12561	81	7	adjustment	adjustment	NOUN
cjfa-12561	81	8	performance	performance	NOUN
cjfa-12561	81	9	measures	measure	NOUN
cjfa-12561	81	10	(	(	PUNCT
cjfa-12561	81	11	rapm	rapm	ADJ
cjfa-12561	81	12	)	)	PUNCT
cjfa-12561	81	13	models	model	NOUN
cjfa-12561	81	14	.	.	PUNCT
cjfa-12561	82	1	thanks	thank	NOUN
cjfa-12561	82	2	to	to	ADP
cjfa-12561	82	3	these	these	DET
cjfa-12561	82	4	indicators	indicator	NOUN
cjfa-12561	82	5	,	,	PUNCT
cjfa-12561	82	6	it	it	PRON
cjfa-12561	82	7	is	be	AUX
cjfa-12561	82	8	possible	possible	ADJ
cjfa-12561	82	9	to	to	PART
cjfa-12561	82	10	observe	observe	VERB
cjfa-12561	82	11	the	the	DET
cjfa-12561	82	12	relationship	relationship	NOUN
cjfa-12561	82	13	between	between	ADP
cjfa-12561	82	14	the	the	DET
cjfa-12561	82	15	risk	risk	NOUN
cjfa-12561	82	16	incurred	incur	VERB
cjfa-12561	82	17	by	by	ADP
cjfa-12561	82	18	a	a	DET
cjfa-12561	82	19	credit	credit	NOUN
cjfa-12561	82	20	institution	institution	NOUN
cjfa-12561	82	21	,	,	PUNCT
cjfa-12561	82	22	and	and	CCONJ
cjfa-12561	82	23	the	the	DET
cjfa-12561	82	24	obtained	obtain	VERB
cjfa-12561	82	25	effects	effect	NOUN
cjfa-12561	82	26	of	of	ADP
cjfa-12561	82	27	business	business	NOUN
cjfa-12561	82	28	activity	activity	NOUN
cjfa-12561	82	29	.	.	PUNCT
cjfa-12561	83	1	in	in	ADP
cjfa-12561	83	2	the	the	DET
cjfa-12561	83	3	literature	literature	NOUN
cjfa-12561	83	4	,	,	PUNCT
cjfa-12561	83	5	there	there	PRON
cjfa-12561	83	6	is	be	VERB
cjfa-12561	83	7	not	not	PART
cjfa-12561	83	8	one	one	NUM
cjfa-12561	83	9	a	a	DET
cjfa-12561	83	10	commonly	commonly	ADV
cjfa-12561	83	11	used	use	VERB
cjfa-12561	83	12	algorithm	algorithm	NOUN
cjfa-12561	83	13	for	for	ADP
cjfa-12561	83	14	calculating	calculate	VERB
cjfa-12561	83	15	such	such	ADJ
cjfa-12561	83	16	indicators	indicator	NOUN
cjfa-12561	83	17	,	,	PUNCT
cjfa-12561	83	18	but	but	CCONJ
cjfa-12561	83	19	the	the	DET
cjfa-12561	83	20	formula	formula	NOUN
cjfa-12561	83	21	in	in	ADP
cjfa-12561	83	22	the	the	DET
cjfa-12561	83	23	general	general	ADJ
cjfa-12561	83	24	form	form	NOUN
cjfa-12561	83	25	can	can	AUX
cjfa-12561	83	26	be	be	AUX
cjfa-12561	83	27	represented	represent	VERB
cjfa-12561	83	28	as	as	ADP
cjfa-12561	83	29	follows	follow	VERB
cjfa-12561	83	30	(	(	PUNCT
cjfa-12561	83	31	kałużny	kałużny	NOUN
cjfa-12561	83	32	,	,	PUNCT
cjfa-12561	83	33	2012	2012	NUM
cjfa-12561	83	34	,	,	PUNCT
cjfa-12561	83	35	p.	p.	NOUN
cjfa-12561	83	36	237	237	NUM
cjfa-12561	83	37	):	):	PUNCT
cjfa-12561	84	1	�	�	PROPN
cjfa-12561	84	2	�	�	PROPN
cjfa-12561	84	3	�	�	PROPN
cjfa-12561	84	4	�	�	PROPN
cjfa-12561	84	5	�	�	PROPN
cjfa-12561	84	6	�	�	PROPN
cjfa-12561	84	7	�	�	PROPN
cjfa-12561	84	8	�	�	PROPN
cjfa-12561	84	9	�	�	PROPN
cjfa-12561	84	10	�	�	PROPN
cjfa-12561	84	11	�	�	PROPN
cjfa-12561	84	12	�	�	PROPN
cjfa-12561	84	13	�	�	PROPN
cjfa-12561	84	14	�	�	PROPN
cjfa-12561	84	15	�	�	PROPN
cjfa-12561	84	16	�	�	PROPN
cjfa-12561	84	17	�	�	PROPN
cjfa-12561	84	18	�	�	PROPN
cjfa-12561	84	19	�	�	PROPN
cjfa-12561	84	20	�	�	PROPN
cjfa-12561	84	21	�	�	PROPN
cjfa-12561	84	22	�	�	PROPN
cjfa-12561	84	23	�	�	PROPN
cjfa-12561	84	24	�	�	PROPN
cjfa-12561	84	25	�	�	PROPN
cjfa-12561	84	26	�	�	PROPN
cjfa-12561	84	27	�	�	PROPN
cjfa-12561	84	28	�	�	PROPN
cjfa-12561	84	29	�	�	PROPN
cjfa-12561	84	30	�	�	PROPN
cjfa-12561	84	31	�	�	PROPN
cjfa-12561	84	32	�	�	PROPN
cjfa-12561	84	33	(	(	PUNCT
cjfa-12561	84	34	1	1	NUM
cjfa-12561	84	35	)	)	PUNCT
cjfa-12561	84	36	the	the	DET
cjfa-12561	84	37	first	first	ADJ
cjfa-12561	84	38	indicator	indicator	NOUN
cjfa-12561	84	39	of	of	ADP
cjfa-12561	84	40	this	this	DET
cjfa-12561	84	41	group	group	NOUN
cjfa-12561	84	42	is	be	AUX
cjfa-12561	84	43	a	a	DET
cjfa-12561	84	44	risk	risk	NOUN
cjfa-12561	84	45	adjusted	adjust	VERB
cjfa-12561	84	46	return	return	NOUN
cjfa-12561	84	47	on	on	ADP
cjfa-12561	84	48	capital	capital	NOUN
cjfa-12561	84	49	(	(	PUNCT
cjfa-12561	84	50	raroc	raroc	NOUN
cjfa-12561	84	51	)	)	PUNCT
cjfa-12561	84	52	(	(	PUNCT
cjfa-12561	84	53	kałużny	kałużny	NOUN
cjfa-12561	84	54	2012	2012	NUM
cjfa-12561	84	55	,	,	PUNCT
cjfa-12561	84	56	p.	p.	NOUN
cjfa-12561	84	57	237	237	NUM
cjfa-12561	84	58	):	):	PUNCT
cjfa-12561	84	59	�	�	PROPN
cjfa-12561	84	60	�	�	PROPN
cjfa-12561	84	61	�	�	PROPN
cjfa-12561	84	62	�	�	PROPN
cjfa-12561	84	63	�	�	PROPN
cjfa-12561	84	64	�	�	PROPN
cjfa-12561	84	65	�	�	PROPN
cjfa-12561	84	66	�	�	PROPN
cjfa-12561	84	67	�	�	PROPN
cjfa-12561	84	68	�	�	PROPN
cjfa-12561	84	69	�	�	PROPN
cjfa-12561	84	70	�	�	PROPN
cjfa-12561	84	71	�	�	PROPN
cjfa-12561	84	72	�	�	PROPN
cjfa-12561	84	73	�	�	PROPN
cjfa-12561	84	74	�	�	PROPN
cjfa-12561	84	75	�	�	PROPN
cjfa-12561	84	76	�	�	PROPN
cjfa-12561	84	77	�	�	PROPN
cjfa-12561	84	78	�	�	PROPN
cjfa-12561	84	79	�	�	PROPN
cjfa-12561	84	80	�	�	PROPN
cjfa-12561	84	81	�	�	PROPN
cjfa-12561	84	82	�	�	PROPN
cjfa-12561	84	83	�	�	PROPN
cjfa-12561	84	84	�	�	PROPN
cjfa-12561	84	85	�	�	PROPN
cjfa-12561	84	86	�	�	PROPN
cjfa-12561	84	87	�	�	PROPN
cjfa-12561	84	88	�	�	PROPN
cjfa-12561	84	89	�	�	PROPN
cjfa-12561	84	90	�	�	PROPN
cjfa-12561	84	91	�	�	PROPN
cjfa-12561	84	92	∗	∗	VERB
cjfa-12561	84	93	100	100	NUM
cjfa-12561	84	94	%	%	NOUN
cjfa-12561	84	95	(	(	PUNCT
cjfa-12561	84	96	2	2	NUM
cjfa-12561	84	97	)	)	PUNCT
cjfa-12561	84	98	another	another	DET
cjfa-12561	84	99	indicator	indicator	NOUN
cjfa-12561	84	100	is	be	AUX
cjfa-12561	84	101	a	a	DET
cjfa-12561	84	102	return	return	NOUN
cjfa-12561	84	103	on	on	ADP
cjfa-12561	84	104	risk	risk	NOUN
cjfa-12561	84	105	adjusted	adjust	VERB
cjfa-12561	84	106	capital	capital	NOUN
cjfa-12561	84	107	(	(	PUNCT
cjfa-12561	84	108	rorac	rorac	NOUN
cjfa-12561	84	109	)	)	PUNCT
cjfa-12561	84	110	(	(	PUNCT
cjfa-12561	84	111	kałużny	kałużny	NOUN
cjfa-12561	84	112	,	,	PUNCT
cjfa-12561	84	113	2012	2012	NUM
cjfa-12561	84	114	,	,	PUNCT
cjfa-12561	84	115	p.	p.	NOUN
cjfa-12561	84	116	238	238	NUM
cjfa-12561	84	117	):	):	PUNCT
cjfa-12561	84	118	�	�	PROPN
cjfa-12561	84	119	�	�	PROPN
cjfa-12561	84	120	�	�	PROPN
cjfa-12561	84	121	�	�	PROPN
cjfa-12561	84	122	�	�	PROPN
cjfa-12561	84	123	�	�	PROPN
cjfa-12561	84	124	�	�	PROPN
cjfa-12561	84	125	�	�	PROPN
cjfa-12561	84	126	�	�	PROPN
cjfa-12561	84	127	�	�	PROPN
cjfa-12561	84	128	�	�	PROPN
cjfa-12561	84	129	�	�	PROPN
cjfa-12561	84	130	�	�	PROPN
cjfa-12561	84	131	�	�	PROPN
cjfa-12561	84	132	�	�	PROPN
cjfa-12561	84	133	�	�	PROPN
cjfa-12561	84	134	�	�	PROPN
cjfa-12561	84	135	�	�	PROPN
cjfa-12561	84	136	�	�	PROPN
cjfa-12561	84	137	�	�	PROPN
cjfa-12561	84	138	�	�	PROPN
cjfa-12561	84	139	�	�	PROPN
cjfa-12561	84	140	�	�	PROPN
cjfa-12561	84	141	�	�	PROPN
cjfa-12561	84	142	�	�	PROPN
cjfa-12561	84	143	�	�	PROPN
cjfa-12561	84	144	�	�	PROPN
cjfa-12561	84	145	�	�	PROPN
cjfa-12561	84	146	�	�	PROPN
cjfa-12561	84	147	�	�	PROPN
cjfa-12561	84	148	∗	∗	VERB
cjfa-12561	84	149	100	100	NUM
cjfa-12561	84	150	%	%	NOUN
cjfa-12561	84	151	(	(	PUNCT
cjfa-12561	84	152	3	3	NUM
cjfa-12561	84	153	)	)	PUNCT
cjfa-12561	84	154	where	where	SCONJ
cjfa-12561	84	155	nopat	nopat	PROPN
cjfa-12561	84	156	is	be	AUX
cjfa-12561	84	157	net	net	ADJ
cjfa-12561	84	158	operating	operating	NOUN
cjfa-12561	84	159	profit	profit	NOUN
cjfa-12561	84	160	after	after	ADP
cjfa-12561	84	161	tax	tax	NOUN
cjfa-12561	84	162	.	.	PUNCT
cjfa-12561	85	1	in	in	ADP
cjfa-12561	85	2	turn	turn	NOUN
cjfa-12561	85	3	,	,	PUNCT
cjfa-12561	85	4	the	the	DET
cjfa-12561	85	5	denominator	denominator	NOUN
cjfa-12561	85	6	is	be	AUX
cjfa-12561	85	7	the	the	DET
cjfa-12561	85	8	capital	capital	NOUN
cjfa-12561	85	9	requirement	requirement	NOUN
cjfa-12561	85	10	for	for	ADP
cjfa-12561	85	11	which	which	PRON
cjfa-12561	85	12	is	be	AUX
cjfa-12561	85	13	assumed	assume	VERB
cjfa-12561	85	14	regulatory	regulatory	ADJ
cjfa-12561	85	15	or	or	CCONJ
cjfa-12561	85	16	economic	economic	ADJ
cjfa-12561	85	17	capital	capital	NOUN
cjfa-12561	85	18	(	(	PUNCT
cjfa-12561	85	19	kałużny	kałużny	NOUN
cjfa-12561	85	20	,	,	PUNCT
cjfa-12561	85	21	2012	2012	NUM
cjfa-12561	85	22	,	,	PUNCT
cjfa-12561	85	23	p.	p.	NOUN
cjfa-12561	85	24	238	238	NUM
cjfa-12561	85	25	)	)	PUNCT
cjfa-12561	85	26	.	.	PUNCT
cjfa-12561	85	27	.	.	PUNCT
cjfa-12561	86	1	(	(	PUNCT
cjfa-12561	86	2	2	2	X
cjfa-12561	86	3	)	)	PUNCT
cjfa-12561	86	4	another	another	DET
cjfa-12561	86	5	indicator	indicator	NOUN
cjfa-12561	86	6	is	be	AUX
cjfa-12561	86	7	a	a	DET
cjfa-12561	86	8	return	return	NOUN
cjfa-12561	86	9	on	on	ADP
cjfa-12561	86	10	risk	risk	NOUN
cjfa-12561	86	11	adjusted	adjust	VERB
cjfa-12561	86	12	capital	capital	NOUN
cjfa-12561	86	13	(	(	PUNCT
cjfa-12561	86	14	rorac	rorac	NOUN
cjfa-12561	86	15	)	)	PUNCT
cjfa-12561	86	16	(	(	PUNCT
cjfa-12561	86	17	kałużny	kałużny	NOUN
cjfa-12561	86	18	,	,	PUNCT
cjfa-12561	86	19	2012	2012	NUM
cjfa-12561	86	20	,	,	PUNCT
cjfa-12561	86	21	p.	p.	NOUN
cjfa-12561	86	22	238	238	NUM
cjfa-12561	86	23	):	):	PUNCT
cjfa-12561	86	24	in	in	ADP
cjfa-12561	86	25	accordance	accordance	NOUN
cjfa-12561	86	26	with	with	ADP
cjfa-12561	86	27	the	the	DET
cjfa-12561	86	28	literature	literature	NOUN
cjfa-12561	86	29	,	,	PUNCT
cjfa-12561	86	30	and	and	CCONJ
cjfa-12561	86	31	administrative	administrative	ADJ
cjfa-12561	86	32	division	division	NOUN
cjfa-12561	86	33	of	of	ADP
cjfa-12561	86	34	risks	risk	NOUN
cjfa-12561	86	35	in	in	ADP
cjfa-12561	86	36	banks	bank	NOUN
cjfa-12561	86	37	business	business	NOUN
cjfa-12561	86	38	,	,	PUNCT
cjfa-12561	86	39	it	it	PRON
cjfa-12561	86	40	can	can	AUX
cjfa-12561	86	41	be	be	AUX
cjfa-12561	86	42	distinguish	distinguish	VERB
cjfa-12561	86	43	two	two	NUM
cjfa-12561	86	44	pillars	pillar	NOUN
cjfa-12561	86	45	of	of	ADP
cjfa-12561	86	46	the	the	DET
cjfa-12561	86	47	risk	risk	NOUN
cjfa-12561	86	48	:	:	PUNCT
cjfa-12561	86	49			VERB
cjfa-12561	86	50	the	the	DET
cjfa-12561	86	51	first	first	ADJ
cjfa-12561	86	52	pillar	pillar	ADJ
cjfa-12561	86	53	basic	basic	ADJ
cjfa-12561	86	54	risks	risk	NOUN
cjfa-12561	86	55	:	:	PUNCT
cjfa-12561	86	56	credit	credit	NOUN
cjfa-12561	86	57	risk	risk	NOUN
cjfa-12561	86	58	,	,	PUNCT
cjfa-12561	86	59	liquidity	liquidity	NOUN
cjfa-12561	86	60	risk	risk	NOUN
cjfa-12561	86	61	,	,	PUNCT
cjfa-12561	86	62	operational	operational	ADJ
cjfa-12561	86	63	risk	risk	NOUN
cjfa-12561	86	64	,	,	PUNCT
cjfa-12561	86	65	market	market	NOUN
cjfa-12561	86	66	risk	risk	NOUN
cjfa-12561	86	67	,	,	PUNCT
cjfa-12561	86	68			VERB
cjfa-12561	86	69	the	the	DET
cjfa-12561	86	70	second	second	ADJ
cjfa-12561	86	71	pillar	pillar	NOUN
cjfa-12561	86	72	risk	risk	NOUN
cjfa-12561	86	73	types	type	NOUN
cjfa-12561	86	74	which	which	PRON
cjfa-12561	86	75	are	be	AUX
cjfa-12561	86	76	particularly	particularly	ADV
cjfa-12561	86	77	relevant	relevant	ADJ
cjfa-12561	86	78	to	to	ADP
cjfa-12561	86	79	banks	bank	NOUN
cjfa-12561	86	80	due	due	ADJ
cjfa-12561	86	81	to	to	ADP
cjfa-12561	86	82	their	their	PRON
cjfa-12561	86	83	business	business	NOUN
cjfa-12561	86	84	profile	profile	NOUN
cjfa-12561	86	85	and	and	CCONJ
cjfa-12561	86	86	these	these	PRON
cjfa-12561	86	87	that	that	PRON
cjfa-12561	86	88	may	may	AUX
cjfa-12561	86	89	arise	arise	VERB
cjfa-12561	86	90	as	as	ADP
cjfa-12561	86	91	a	a	DET
cjfa-12561	86	92	result	result	NOUN
cjfa-12561	86	93	of	of	ADP
cjfa-12561	86	94	changes	change	NOUN
cjfa-12561	86	95	in	in	ADP
cjfa-12561	86	96	economic	economic	ADJ
cjfa-12561	86	97	environment	environment	NOUN
cjfa-12561	86	98	,	,	PUNCT
cjfa-12561	86	99	e.g.	e.g.	ADV
cjfa-12561	86	100	risk	risk	NOUN
cjfa-12561	86	101	of	of	ADP
cjfa-12561	86	102	reputational	reputational	ADJ
cjfa-12561	86	103	,	,	PUNCT
cjfa-12561	86	104	business	business	NOUN
cjfa-12561	86	105	,	,	PUNCT
cjfa-12561	86	106	concentration	concentration	NOUN
cjfa-12561	86	107	,	,	PUNCT
cjfa-12561	86	108	legal	legal	ADJ
cjfa-12561	86	109	,	,	PUNCT
cjfa-12561	86	110	strategic	strategic	ADJ
cjfa-12561	86	111	,	,	PUNCT
cjfa-12561	86	112	etc	etc	X
cjfa-12561	86	113	.	.	X
cjfa-12561	86	114	listed	list	VERB
cjfa-12561	86	115	above	above	ADP
cjfa-12561	86	116	risks	risk	NOUN
cjfa-12561	86	117	do	do	AUX
cjfa-12561	86	118	not	not	PART
cjfa-12561	86	119	exhaust	exhaust	VERB
cjfa-12561	86	120	entire	entire	ADJ
cjfa-12561	86	121	gamut	gamut	NOUN
cjfa-12561	86	122	types	type	NOUN
cjfa-12561	86	123	of	of	ADP
cjfa-12561	86	124	risks	risk	NOUN
cjfa-12561	86	125	with	with	ADP
cjfa-12561	86	126	which	which	PRON
cjfa-12561	86	127	we	we	PRON
cjfa-12561	86	128	can	can	AUX
cjfa-12561	86	129	meet	meet	VERB
cjfa-12561	86	130	in	in	ADP
cjfa-12561	86	131	the	the	DET
cjfa-12561	86	132	banking	banking	NOUN
cjfa-12561	86	133	business	business	NOUN
cjfa-12561	86	134	,	,	PUNCT
cjfa-12561	86	135	but	but	CCONJ
cjfa-12561	86	136	these	these	DET
cjfa-12561	86	137	ones	one	NOUN
cjfa-12561	86	138	belong	belong	VERB
cjfa-12561	86	139	to	to	ADP
cjfa-12561	86	140	the	the	DET
cjfa-12561	86	141	group	group	NOUN
cjfa-12561	86	142	of	of	ADP
cjfa-12561	86	143	the	the	DET
cjfa-12561	86	144	most	most	ADV
cjfa-12561	86	145	commonly	commonly	ADV
cjfa-12561	86	146	encountered	encounter	VERB
cjfa-12561	86	147	in	in	ADP
cjfa-12561	86	148	credit	credit	NOUN
cjfa-12561	86	149	institutions	institution	NOUN
cjfa-12561	86	150	business	business	NOUN
cjfa-12561	86	151	.	.	PUNCT
cjfa-12561	87	1	all	all	PRON
cjfa-12561	87	2	considered	consider	VERB
cjfa-12561	87	3	as	as	ADP
cjfa-12561	87	4	substantial	substantial	ADJ
cjfa-12561	87	5	risk	risk	NOUN
cjfa-12561	87	6	types	type	NOUN
cjfa-12561	87	7	have	have	VERB
cjfa-12561	87	8	to	to	PART
cjfa-12561	87	9	find	find	VERB
cjfa-12561	87	10	coverage	coverage	NOUN
cjfa-12561	87	11	in	in	ADP
cjfa-12561	87	12	the	the	DET
cjfa-12561	87	13	regulatory	regulatory	ADJ
cjfa-12561	87	14	or	or	CCONJ
cjfa-12561	87	15	internal	internal	ADJ
cjfa-12561	87	16	capital	capital	NOUN
cjfa-12561	87	17	of	of	ADP
cjfa-12561	87	18	a	a	DET
cjfa-12561	87	19	credit	credit	NOUN
cjfa-12561	87	20	institution	institution	NOUN
cjfa-12561	87	21	.	.	PUNCT
cjfa-12561	88	1	the	the	DET
cjfa-12561	88	2	effectiveness	effectiveness	NOUN
cjfa-12561	88	3	of	of	ADP
cjfa-12561	88	4	risk	risk	NOUN
cjfa-12561	88	5	management	management	NOUN
cjfa-12561	88	6	determines	determine	VERB
cjfa-12561	88	7	the	the	DET
cjfa-12561	88	8	position	position	NOUN
cjfa-12561	88	9	of	of	ADP
cjfa-12561	88	10	banks	bank	NOUN
cjfa-12561	88	11	in	in	ADP
cjfa-12561	88	12	the	the	DET
cjfa-12561	88	13	sector	sector	NOUN
cjfa-12561	88	14	,	,	PUNCT
cjfa-12561	88	15	while	while	SCONJ
cjfa-12561	88	16	all	all	DET
cjfa-12561	88	17	their	their	PRON
cjfa-12561	88	18	weaknesses	weakness	NOUN
cjfa-12561	88	19	are	be	AUX
cjfa-12561	88	20	the	the	DET
cjfa-12561	88	21	source	source	NOUN
cjfa-12561	88	22	of	of	ADP
cjfa-12561	88	23	potential	potential	ADJ
cjfa-12561	88	24	financial	financial	ADJ
cjfa-12561	88	25	and	and	CCONJ
cjfa-12561	88	26	economic	economic	ADJ
cjfa-12561	88	27	crises	crisis	NOUN
cjfa-12561	88	28	.	.	PUNCT
cjfa-12561	89	1	precisely	precisely	ADV
cjfa-12561	89	2	defined	define	VERB
cjfa-12561	89	3	and	and	CCONJ
cjfa-12561	89	4	properly	properly	ADV
cjfa-12561	89	5	functioning	function	VERB
cjfa-12561	89	6	internal	internal	ADJ
cjfa-12561	89	7	organizational	organizational	ADJ
cjfa-12561	89	8	structure	structure	NOUN
cjfa-12561	89	9	increases	increase	VERB
cjfa-12561	89	10	the	the	DET
cjfa-12561	89	11	safety	safety	NOUN
cjfa-12561	89	12	of	of	ADP
cjfa-12561	89	13	the	the	DET
cjfa-12561	89	14	entire	entire	ADJ
cjfa-12561	89	15	bank	bank	NOUN
cjfa-12561	89	16	.	.	PUNCT
cjfa-12561	90	1	furthermore	furthermore	ADV
cjfa-12561	90	2	awareness	awareness	NOUN
cjfa-12561	90	3	of	of	ADP
cjfa-12561	90	4	responsibility	responsibility	NOUN
cjfa-12561	90	5	reduces	reduce	VERB
cjfa-12561	90	6	the	the	DET
cjfa-12561	90	7	risk	risk	NOUN
cjfa-12561	90	8	resulting	result	VERB
cjfa-12561	90	9	from	from	ADP
cjfa-12561	90	10	mistakes	mistake	NOUN
cjfa-12561	90	11	(	(	PUNCT
cjfa-12561	90	12	kochaniak	kochaniak	PROPN
cjfa-12561	90	13	,	,	PUNCT
cjfa-12561	90	14	2012	2012	NUM
cjfa-12561	90	15	,	,	PUNCT
cjfa-12561	90	16	pp	pp	ADJ
cjfa-12561	90	17	.	.	PUNCT
cjfa-12561	91	1	243	243	NUM
cjfa-12561	91	2	,	,	PUNCT
cjfa-12561	91	3	251	251	NUM
cjfa-12561	91	4	-	-	SYM
cjfa-12561	91	5	252	252	NUM
cjfa-12561	91	6	)	)	PUNCT
cjfa-12561	91	7	.	.	PUNCT
cjfa-12561	92	1	the	the	DET
cjfa-12561	92	2	research	research	NOUN
cjfa-12561	92	3	methodology	methodology	NOUN
cjfa-12561	92	4	and	and	CCONJ
cjfa-12561	92	5	the	the	DET
cjfa-12561	92	6	course	course	NOUN
cjfa-12561	92	7	of	of	ADP
cjfa-12561	92	8	the	the	DET
cjfa-12561	92	9	research	research	NOUN
cjfa-12561	92	10	process	process	NOUN
cjfa-12561	92	11	as	as	ADP
cjfa-12561	92	12	a	a	DET
cjfa-12561	92	13	result	result	NOUN
cjfa-12561	92	14	of	of	ADP
cjfa-12561	92	15	a	a	DET
cjfa-12561	92	16	combination	combination	NOUN
cjfa-12561	92	17	of	of	ADP
cjfa-12561	92	18	these	these	DET
cjfa-12561	92	19	two	two	NUM
cjfa-12561	92	20	variables	variable	NOUN
cjfa-12561	92	21	,	,	PUNCT
cjfa-12561	92	22	i.e.	i.e.	X
cjfa-12561	92	23	own	own	ADJ
cjfa-12561	92	24	funds	fund	NOUN
cjfa-12561	92	25	and	and	CCONJ
cjfa-12561	92	26	risk	risk	NOUN
cjfa-12561	92	27	,	,	PUNCT
cjfa-12561	92	28	a	a	DET
cjfa-12561	92	29	return	return	NOUN
cjfa-12561	92	30	on	on	ADP
cjfa-12561	92	31	equity	equity	NOUN
cjfa-12561	92	32	models	model	NOUN
cjfa-12561	92	33	,	,	PUNCT
cjfa-12561	92	34	but	but	CCONJ
cjfa-12561	92	35	also	also	ADV
cjfa-12561	92	36	taking	take	VERB
cjfa-12561	92	37	into	into	ADP
cjfa-12561	92	38	account	account	NOUN
cjfa-12561	92	39	the	the	DET
cjfa-12561	92	40	risk	risk	NOUN
cjfa-12561	92	41	involved	involve	VERB
cjfa-12561	92	42	in	in	ADP
cjfa-12561	92	43	the	the	DET
cjfa-12561	92	44	ordinary	ordinary	ADJ
cjfa-12561	92	45	course	course	NOUN
cjfa-12561	92	46	of	of	ADP
cjfa-12561	92	47	business	business	NOUN
cjfa-12561	92	48	,	,	PUNCT
cjfa-12561	92	49	are	be	AUX
cjfa-12561	92	50	obtained	obtain	VERB
cjfa-12561	92	51	.	.	PUNCT
cjfa-12561	93	1	these	these	PRON
cjfa-12561	93	2	are	be	AUX
cjfa-12561	93	3	so	so	ADV
cjfa-12561	93	4	-	-	PUNCT
cjfa-12561	93	5	called	call	VERB
cjfa-12561	93	6	risk	risk	NOUN
cjfa-12561	93	7	adjustment	adjustment	NOUN
cjfa-12561	93	8	performance	performance	NOUN
cjfa-12561	93	9	measures	measure	NOUN
cjfa-12561	93	10	(	(	PUNCT
cjfa-12561	93	11	rapm	rapm	ADJ
cjfa-12561	93	12	)	)	PUNCT
cjfa-12561	93	13	models	model	NOUN
cjfa-12561	93	14	.	.	PUNCT
cjfa-12561	94	1	thanks	thank	NOUN
cjfa-12561	94	2	to	to	ADP
cjfa-12561	94	3	these	these	DET
cjfa-12561	94	4	indicators	indicator	NOUN
cjfa-12561	94	5	,	,	PUNCT
cjfa-12561	94	6	it	it	PRON
cjfa-12561	94	7	is	be	AUX
cjfa-12561	94	8	possible	possible	ADJ
cjfa-12561	94	9	to	to	PART
cjfa-12561	94	10	observe	observe	VERB
cjfa-12561	94	11	the	the	DET
cjfa-12561	94	12	relationship	relationship	NOUN
cjfa-12561	94	13	between	between	ADP
cjfa-12561	94	14	the	the	DET
cjfa-12561	94	15	risk	risk	NOUN
cjfa-12561	94	16	incurred	incur	VERB
cjfa-12561	94	17	by	by	ADP
cjfa-12561	94	18	a	a	DET
cjfa-12561	94	19	credit	credit	NOUN
cjfa-12561	94	20	institution	institution	NOUN
cjfa-12561	94	21	,	,	PUNCT
cjfa-12561	94	22	and	and	CCONJ
cjfa-12561	94	23	the	the	DET
cjfa-12561	94	24	obtained	obtain	VERB
cjfa-12561	94	25	effects	effect	NOUN
cjfa-12561	94	26	of	of	ADP
cjfa-12561	94	27	business	business	NOUN
cjfa-12561	94	28	activity	activity	NOUN
cjfa-12561	94	29	.	.	PUNCT
cjfa-12561	95	1	in	in	ADP
cjfa-12561	95	2	the	the	DET
cjfa-12561	95	3	literature	literature	NOUN
cjfa-12561	95	4	,	,	PUNCT
cjfa-12561	95	5	there	there	PRON
cjfa-12561	95	6	is	be	VERB
cjfa-12561	95	7	not	not	PART
cjfa-12561	95	8	one	one	NUM
cjfa-12561	95	9	a	a	DET
cjfa-12561	95	10	commonly	commonly	ADV
cjfa-12561	95	11	used	use	VERB
cjfa-12561	95	12	algorithm	algorithm	NOUN
cjfa-12561	95	13	for	for	ADP
cjfa-12561	95	14	calculating	calculate	VERB
cjfa-12561	95	15	such	such	ADJ
cjfa-12561	95	16	indicators	indicator	NOUN
cjfa-12561	95	17	,	,	PUNCT
cjfa-12561	95	18	but	but	CCONJ
cjfa-12561	95	19	the	the	DET
cjfa-12561	95	20	formula	formula	NOUN
cjfa-12561	95	21	in	in	ADP
cjfa-12561	95	22	the	the	DET
cjfa-12561	95	23	general	general	ADJ
cjfa-12561	95	24	form	form	NOUN
cjfa-12561	95	25	can	can	AUX
cjfa-12561	95	26	be	be	AUX
cjfa-12561	95	27	represented	represent	VERB
cjfa-12561	95	28	as	as	ADP
cjfa-12561	95	29	follows	follow	VERB
cjfa-12561	95	30	(	(	PUNCT
cjfa-12561	95	31	kałużny	kałużny	NOUN
cjfa-12561	95	32	,	,	PUNCT
cjfa-12561	95	33	2012	2012	NUM
cjfa-12561	95	34	,	,	PUNCT
cjfa-12561	95	35	p.	p.	NOUN
cjfa-12561	95	36	237	237	NUM
cjfa-12561	95	37	):	):	PUNCT
cjfa-12561	96	1	�	�	PROPN
cjfa-12561	96	2	�	�	PROPN
cjfa-12561	96	3	�	�	PROPN
cjfa-12561	96	4	�	�	PROPN
cjfa-12561	96	5	�	�	PROPN
cjfa-12561	96	6	�	�	PROPN
cjfa-12561	96	7	�	�	PROPN
cjfa-12561	96	8	�	�	PROPN
cjfa-12561	96	9	�	�	PROPN
cjfa-12561	96	10	�	�	PROPN
cjfa-12561	96	11	�	�	PROPN
cjfa-12561	96	12	�	�	PROPN
cjfa-12561	96	13	�	�	PROPN
cjfa-12561	96	14	�	�	PROPN
cjfa-12561	96	15	�	�	PROPN
cjfa-12561	96	16	�	�	PROPN
cjfa-12561	96	17	�	�	PROPN
cjfa-12561	96	18	�	�	PROPN
cjfa-12561	96	19	�	�	PROPN
cjfa-12561	96	20	�	�	PROPN
cjfa-12561	96	21	�	�	PROPN
cjfa-12561	96	22	�	�	PROPN
cjfa-12561	96	23	�	�	PROPN
cjfa-12561	96	24	�	�	PROPN
cjfa-12561	96	25	�	�	PROPN
cjfa-12561	96	26	�	�	PROPN
cjfa-12561	96	27	�	�	PROPN
cjfa-12561	96	28	�	�	PROPN
cjfa-12561	96	29	�	�	PROPN
cjfa-12561	96	30	�	�	PROPN
cjfa-12561	96	31	�	�	PROPN
cjfa-12561	96	32	�	�	PROPN
cjfa-12561	96	33	(	(	PUNCT
cjfa-12561	96	34	1	1	NUM
cjfa-12561	96	35	)	)	PUNCT
cjfa-12561	96	36	the	the	DET
cjfa-12561	96	37	first	first	ADJ
cjfa-12561	96	38	indicator	indicator	NOUN
cjfa-12561	96	39	of	of	ADP
cjfa-12561	96	40	this	this	DET
cjfa-12561	96	41	group	group	NOUN
cjfa-12561	96	42	is	be	AUX
cjfa-12561	96	43	a	a	DET
cjfa-12561	96	44	risk	risk	NOUN
cjfa-12561	96	45	adjusted	adjust	VERB
cjfa-12561	96	46	return	return	NOUN
cjfa-12561	96	47	on	on	ADP
cjfa-12561	96	48	capital	capital	NOUN
cjfa-12561	96	49	(	(	PUNCT
cjfa-12561	96	50	raroc	raroc	NOUN
cjfa-12561	96	51	)	)	PUNCT
cjfa-12561	96	52	(	(	PUNCT
cjfa-12561	96	53	kałużny	kałużny	NOUN
cjfa-12561	96	54	2012	2012	NUM
cjfa-12561	96	55	,	,	PUNCT
cjfa-12561	96	56	p.	p.	NOUN
cjfa-12561	96	57	237	237	NUM
cjfa-12561	96	58	):	):	PUNCT
cjfa-12561	96	59	�	�	PROPN
cjfa-12561	96	60	�	�	PROPN
cjfa-12561	96	61	�	�	PROPN
cjfa-12561	96	62	�	�	PROPN
cjfa-12561	96	63	�	�	PROPN
cjfa-12561	96	64	�	�	PROPN
cjfa-12561	96	65	�	�	PROPN
cjfa-12561	96	66	�	�	PROPN
cjfa-12561	96	67	�	�	PROPN
cjfa-12561	96	68	�	�	PROPN
cjfa-12561	96	69	�	�	PROPN
cjfa-12561	96	70	�	�	PROPN
cjfa-12561	96	71	�	�	PROPN
cjfa-12561	96	72	�	�	PROPN
cjfa-12561	96	73	�	�	PROPN
cjfa-12561	96	74	�	�	PROPN
cjfa-12561	96	75	�	�	PROPN
cjfa-12561	96	76	�	�	PROPN
cjfa-12561	96	77	�	�	PROPN
cjfa-12561	96	78	�	�	PROPN
cjfa-12561	96	79	�	�	PROPN
cjfa-12561	96	80	�	�	PROPN
cjfa-12561	96	81	�	�	PROPN
cjfa-12561	96	82	�	�	PROPN
cjfa-12561	96	83	�	�	PROPN
cjfa-12561	96	84	�	�	PROPN
cjfa-12561	96	85	�	�	PROPN
cjfa-12561	96	86	�	�	PROPN
cjfa-12561	96	87	�	�	PROPN
cjfa-12561	96	88	�	�	PROPN
cjfa-12561	96	89	�	�	PROPN
cjfa-12561	96	90	�	�	PROPN
cjfa-12561	96	91	�	�	PROPN
cjfa-12561	96	92	∗	∗	VERB
cjfa-12561	96	93	100	100	NUM
cjfa-12561	96	94	%	%	NOUN
cjfa-12561	96	95	(	(	PUNCT
cjfa-12561	96	96	2	2	NUM
cjfa-12561	96	97	)	)	PUNCT
cjfa-12561	96	98	another	another	DET
cjfa-12561	96	99	indicator	indicator	NOUN
cjfa-12561	96	100	is	be	AUX
cjfa-12561	96	101	a	a	DET
cjfa-12561	96	102	return	return	NOUN
cjfa-12561	96	103	on	on	ADP
cjfa-12561	96	104	risk	risk	NOUN
cjfa-12561	96	105	adjusted	adjust	VERB
cjfa-12561	96	106	capital	capital	NOUN
cjfa-12561	96	107	(	(	PUNCT
cjfa-12561	96	108	rorac	rorac	NOUN
cjfa-12561	96	109	)	)	PUNCT
cjfa-12561	96	110	(	(	PUNCT
cjfa-12561	96	111	kałużny	kałużny	NOUN
cjfa-12561	96	112	,	,	PUNCT
cjfa-12561	96	113	2012	2012	NUM
cjfa-12561	96	114	,	,	PUNCT
cjfa-12561	96	115	p.	p.	NOUN
cjfa-12561	96	116	238	238	NUM
cjfa-12561	96	117	):	):	PUNCT
cjfa-12561	96	118	�	�	PROPN
cjfa-12561	96	119	�	�	PROPN
cjfa-12561	96	120	�	�	PROPN
cjfa-12561	96	121	�	�	PROPN
cjfa-12561	96	122	�	�	PROPN
cjfa-12561	96	123	�	�	PROPN
cjfa-12561	96	124	�	�	PROPN
cjfa-12561	96	125	�	�	PROPN
cjfa-12561	96	126	�	�	PROPN
cjfa-12561	96	127	�	�	PROPN
cjfa-12561	96	128	�	�	PROPN
cjfa-12561	96	129	�	�	PROPN
cjfa-12561	96	130	�	�	PROPN
cjfa-12561	96	131	�	�	PROPN
cjfa-12561	96	132	�	�	PROPN
cjfa-12561	96	133	�	�	PROPN
cjfa-12561	96	134	�	�	PROPN
cjfa-12561	96	135	�	�	PROPN
cjfa-12561	96	136	�	�	PROPN
cjfa-12561	96	137	�	�	PROPN
cjfa-12561	96	138	�	�	PROPN
cjfa-12561	96	139	�	�	PROPN
cjfa-12561	96	140	�	�	PROPN
cjfa-12561	96	141	�	�	PROPN
cjfa-12561	96	142	�	�	PROPN
cjfa-12561	96	143	�	�	PROPN
cjfa-12561	96	144	�	�	PROPN
cjfa-12561	96	145	�	�	PROPN
cjfa-12561	96	146	�	�	PROPN
cjfa-12561	96	147	�	�	PROPN
cjfa-12561	96	148	∗	∗	VERB
cjfa-12561	96	149	100	100	NUM
cjfa-12561	96	150	%	%	NOUN
cjfa-12561	96	151	(	(	PUNCT
cjfa-12561	96	152	3	3	NUM
cjfa-12561	96	153	)	)	PUNCT
cjfa-12561	96	154	where	where	SCONJ
cjfa-12561	96	155	nopat	nopat	PROPN
cjfa-12561	96	156	is	be	AUX
cjfa-12561	96	157	net	net	ADJ
cjfa-12561	96	158	operating	operating	NOUN
cjfa-12561	96	159	profit	profit	NOUN
cjfa-12561	96	160	after	after	ADP
cjfa-12561	96	161	tax	tax	NOUN
cjfa-12561	96	162	.	.	PUNCT
cjfa-12561	97	1	in	in	ADP
cjfa-12561	97	2	turn	turn	NOUN
cjfa-12561	97	3	,	,	PUNCT
cjfa-12561	97	4	the	the	DET
cjfa-12561	97	5	denominator	denominator	NOUN
cjfa-12561	97	6	is	be	AUX
cjfa-12561	97	7	the	the	DET
cjfa-12561	97	8	capital	capital	NOUN
cjfa-12561	97	9	requirement	requirement	NOUN
cjfa-12561	97	10	for	for	ADP
cjfa-12561	97	11	which	which	PRON
cjfa-12561	97	12	is	be	AUX
cjfa-12561	97	13	assumed	assume	VERB
cjfa-12561	97	14	regulatory	regulatory	ADJ
cjfa-12561	97	15	or	or	CCONJ
cjfa-12561	97	16	economic	economic	ADJ
cjfa-12561	97	17	capital	capital	NOUN
cjfa-12561	97	18	(	(	PUNCT
cjfa-12561	97	19	kałużny	kałużny	NOUN
cjfa-12561	97	20	,	,	PUNCT
cjfa-12561	97	21	2012	2012	NUM
cjfa-12561	97	22	,	,	PUNCT
cjfa-12561	97	23	p.	p.	NOUN
cjfa-12561	97	24	238	238	NUM
cjfa-12561	97	25	)	)	PUNCT
cjfa-12561	97	26	.	.	PUNCT
cjfa-12561	98	1	(	(	PUNCT
cjfa-12561	98	2	3	3	X
cjfa-12561	98	3	)	)	PUNCT
cjfa-12561	98	4	where	where	SCONJ
cjfa-12561	98	5	nopat	nopat	PROPN
cjfa-12561	98	6	is	be	AUX
cjfa-12561	98	7	net	net	ADJ
cjfa-12561	98	8	operating	operating	NOUN
cjfa-12561	98	9	profit	profit	NOUN
cjfa-12561	98	10	after	after	ADP
cjfa-12561	98	11	tax	tax	NOUN
cjfa-12561	98	12	.	.	PUNCT
cjfa-12561	99	1	in	in	ADP
cjfa-12561	99	2	turn	turn	NOUN
cjfa-12561	99	3	,	,	PUNCT
cjfa-12561	99	4	the	the	DET
cjfa-12561	99	5	denominator	denominator	NOUN
cjfa-12561	99	6	is	be	AUX
cjfa-12561	99	7	the	the	DET
cjfa-12561	99	8	capital	capital	NOUN
cjfa-12561	99	9	requirement	requirement	NOUN
cjfa-12561	99	10	for	for	ADP
cjfa-12561	99	11	which	which	PRON
cjfa-12561	99	12	is	be	AUX
cjfa-12561	99	13	assumed	assume	VERB
cjfa-12561	99	14	regulatory	regulatory	ADJ
cjfa-12561	99	15	or	or	CCONJ
cjfa-12561	99	16	economic	economic	ADJ
cjfa-12561	99	17	capital	capital	NOUN
cjfa-12561	99	18	(	(	PUNCT
cjfa-12561	99	19	kałużny	kałużny	NOUN
cjfa-12561	99	20	,	,	PUNCT
cjfa-12561	99	21	2012	2012	NUM
cjfa-12561	99	22	,	,	PUNCT
cjfa-12561	99	23	p.	p.	NOUN
cjfa-12561	99	24	238	238	NUM
cjfa-12561	99	25	)	)	PUNCT
cjfa-12561	99	26	.	.	PUNCT
cjfa-12561	100	1	a	a	DET
cjfa-12561	100	2	combination	combination	NOUN
cjfa-12561	100	3	of	of	ADP
cjfa-12561	100	4	raroc	raroc	NOUN
cjfa-12561	100	5	and	and	CCONJ
cjfa-12561	100	6	rorac	rorac	NOUN
cjfa-12561	100	7	is	be	AUX
cjfa-12561	100	8	a	a	DET
cjfa-12561	100	9	risk	risk	NOUN
cjfa-12561	100	10	-	-	PUNCT
cjfa-12561	100	11	adjusted	adjust	VERB
cjfa-12561	100	12	return	return	NOUN
cjfa-12561	100	13	on	on	ADP
cjfa-12561	100	14	risk	risk	NOUN
cjfa-12561	100	15	adjusted	adjust	VERB
cjfa-12561	100	16	capital	capital	NOUN
cjfa-12561	100	17	(	(	PUNCT
cjfa-12561	100	18	rarorac	rarorac	PROPN
cjfa-12561	100	19	)	)	PUNCT
cjfa-12561	100	20	(	(	PUNCT
cjfa-12561	100	21	kałużny	kałużny	NOUN
cjfa-12561	100	22	,	,	PUNCT
cjfa-12561	100	23	2012	2012	NUM
cjfa-12561	100	24	,	,	PUNCT
cjfa-12561	100	25	p.	p.	NOUN
cjfa-12561	100	26	238	238	NUM
cjfa-12561	100	27	):	):	PUNCT
cjfa-12561	100	28	a	a	DET
cjfa-12561	100	29	combination	combination	NOUN
cjfa-12561	100	30	of	of	ADP
cjfa-12561	100	31	raroc	raroc	NOUN
cjfa-12561	100	32	and	and	CCONJ
cjfa-12561	100	33	rorac	rorac	NOUN
cjfa-12561	100	34	is	be	AUX
cjfa-12561	100	35	a	a	DET
cjfa-12561	100	36	risk	risk	NOUN
cjfa-12561	100	37	-	-	PUNCT
cjfa-12561	100	38	adjusted	adjust	VERB
cjfa-12561	100	39	return	return	NOUN
cjfa-12561	100	40	on	on	ADP
cjfa-12561	100	41	risk	risk	NOUN
cjfa-12561	100	42	adjusted	adjust	VERB
cjfa-12561	100	43	capital	capital	NOUN
cjfa-12561	100	44	(	(	PUNCT
cjfa-12561	100	45	rarorac	rarorac	PROPN
cjfa-12561	100	46	)	)	PUNCT
cjfa-12561	100	47	(	(	PUNCT
cjfa-12561	100	48	kałużny	kałużny	NOUN
cjfa-12561	100	49	,	,	PUNCT
cjfa-12561	100	50	2012	2012	NUM
cjfa-12561	100	51	,	,	PUNCT
cjfa-12561	100	52	p.	p.	NOUN
cjfa-12561	100	53	238	238	NUM
cjfa-12561	100	54	):	):	PUNCT
cjfa-12561	100	55	�	�	PROPN
cjfa-12561	100	56	�	�	PROPN
cjfa-12561	100	57	�	�	PROPN
cjfa-12561	100	58	�	�	PROPN
cjfa-12561	100	59	�	�	PROPN
cjfa-12561	100	60	�	�	PROPN
cjfa-12561	100	61	�	�	PROPN
cjfa-12561	100	62	�	�	PROPN
cjfa-12561	100	63	�	�	PROPN
cjfa-12561	100	64	�	�	PROPN
cjfa-12561	100	65	�	�	PROPN
cjfa-12561	100	66	�	�	PROPN
cjfa-12561	100	67	�	�	PROPN
cjfa-12561	100	68	�	�	PROPN
cjfa-12561	100	69	�	�	PROPN
cjfa-12561	100	70	�	�	PROPN
cjfa-12561	100	71	�	�	PROPN
cjfa-12561	100	72	�	�	PROPN
cjfa-12561	100	73	�	�	PROPN
cjfa-12561	100	74	�	�	PROPN
cjfa-12561	100	75	�	�	PROPN
cjfa-12561	100	76	�	�	PROPN
cjfa-12561	100	77	�	�	PROPN
cjfa-12561	100	78	�	�	PROPN
cjfa-12561	100	79	�	�	PROPN
cjfa-12561	100	80	�	�	PROPN
cjfa-12561	100	81	�	�	PROPN
cjfa-12561	100	82	�	�	PROPN
cjfa-12561	100	83	�	�	PROPN
cjfa-12561	100	84	�	�	PROPN
cjfa-12561	100	85	�	�	PROPN
cjfa-12561	100	86	�	�	PROPN
cjfa-12561	100	87	�	�	PROPN
cjfa-12561	100	88	�	�	PROPN
cjfa-12561	100	89	�	�	PROPN
cjfa-12561	100	90	�	�	PROPN
cjfa-12561	100	91	�	�	PROPN
cjfa-12561	100	92	�	�	PROPN
cjfa-12561	100	93	�	�	PROPN
cjfa-12561	100	94	�	�	PROPN
cjfa-12561	100	95	�	�	PROPN
cjfa-12561	100	96	�	�	PROPN
cjfa-12561	100	97	�	�	PROPN
cjfa-12561	100	98	�	�	PROPN
cjfa-12561	100	99	�	�	PROPN
cjfa-12561	100	100	�	�	PROPN
cjfa-12561	100	101	�	�	PROPN
cjfa-12561	100	102	∗	∗	VERB
cjfa-12561	100	103	100	100	NUM
cjfa-12561	100	104	%	%	NOUN
cjfa-12561	100	105	(	(	PUNCT
cjfa-12561	100	106	4	4	NUM
cjfa-12561	100	107	)	)	PUNCT
cjfa-12561	100	108	another	another	DET
cjfa-12561	100	109	approach	approach	NOUN
cjfa-12561	100	110	to	to	ADP
cjfa-12561	100	111	measuring	measure	VERB
cjfa-12561	100	112	the	the	DET
cjfa-12561	100	113	effectiveness	effectiveness	NOUN
cjfa-12561	100	114	and	and	CCONJ
cjfa-12561	100	115	risks	risk	NOUN
cjfa-12561	100	116	which	which	PRON
cjfa-12561	100	117	occurs	occur	VERB
cjfa-12561	100	118	in	in	ADP
cjfa-12561	100	119	the	the	DET
cjfa-12561	100	120	literature	literature	NOUN
cjfa-12561	100	121	,	,	PUNCT
cjfa-12561	100	122	are	be	AUX
cjfa-12561	100	123	top	top	ADJ
cjfa-12561	100	124	-	-	PUNCT
cjfa-12561	100	125	down	down	NOUN
cjfa-12561	100	126	and	and	CCONJ
cjfa-12561	100	127	bottom	bottom	ADJ
cjfa-12561	100	128	-	-	PUNCT
cjfa-12561	100	129	up	up	ADP
cjfa-12561	100	130	models	model	NOUN
cjfa-12561	100	131	(	(	PUNCT
cjfa-12561	100	132	iwanicz	iwanicz	NOUN
cjfa-12561	100	133	-	-	PUNCT
cjfa-12561	100	134	drozdowska	drozdowska	NOUN
cjfa-12561	100	135	,	,	PUNCT
cjfa-12561	100	136	2012	2012	NUM
cjfa-12561	100	137	,	,	PUNCT
cjfa-12561	100	138	pp	pp	ADJ
cjfa-12561	100	139	.	.	PUNCT
cjfa-12561	100	140	247	247	NUM
cjfa-12561	100	141	,	,	PUNCT
cjfa-12561	100	142	252	252	NUM
cjfa-12561	100	143	)	)	PUNCT
cjfa-12561	100	144	.	.	PUNCT
cjfa-12561	101	1	top	top	ADJ
cjfa-12561	101	2	-	-	PUNCT
cjfa-12561	101	3	down	down	ADP
cjfa-12561	101	4	models	model	NOUN
cjfa-12561	101	5	assume	assume	VERB
cjfa-12561	101	6	allocation	allocation	NOUN
cjfa-12561	101	7	of	of	ADP
cjfa-12561	101	8	economic	economic	ADJ
cjfa-12561	101	9	or	or	CCONJ
cjfa-12561	101	10	regulatory	regulatory	ADJ
cjfa-12561	101	11	capital	capital	NOUN
cjfa-12561	101	12	.	.	PUNCT
cjfa-12561	102	1	these	these	DET
cjfa-12561	102	2	models	model	NOUN
cjfa-12561	102	3	are	be	AUX
cjfa-12561	102	4	also	also	ADV
cjfa-12561	102	5	called	call	VERB
cjfa-12561	102	6	earnings	earning	NOUN
cjfa-12561	102	7	volatility	volatility	NOUN
cjfa-12561	102	8	models	model	NOUN
cjfa-12561	102	9	,	,	PUNCT
cjfa-12561	102	10	because	because	SCONJ
cjfa-12561	102	11	they	they	PRON
cjfa-12561	102	12	use	use	VERB
cjfa-12561	102	13	earnings	earning	NOUN
cjfa-12561	102	14	at	at	ADP
cjfa-12561	102	15	risk	risk	NOUN
cjfa-12561	102	16	.	.	PUNCT
cjfa-12561	103	1	2	2	NUM
cjfa-12561	103	2	basic	basic	ADJ
cjfa-12561	103	3	models	model	NOUN
cjfa-12561	103	4	can	can	AUX
cjfa-12561	103	5	be	be	AUX
cjfa-12561	103	6	extracted	extract	VERB
cjfa-12561	103	7	(	(	PUNCT
cjfa-12561	103	8	iwanicz	iwanicz	NOUN
cjfa-12561	103	9	-	-	PUNCT
cjfa-12561	103	10	drozdowska	drozdowska	NOUN
cjfa-12561	103	11	,	,	PUNCT
cjfa-12561	103	12	2012	2012	NUM
cjfa-12561	103	13	,	,	PUNCT
cjfa-12561	103	14	p.	p.	NOUN
cjfa-12561	103	15	247	247	NUM
cjfa-12561	103	16	):	):	PUNCT
cjfa-12561	103	17	�	�	PROPN
cjfa-12561	103	18	�	�	PROPN
cjfa-12561	103	19	�	�	PROPN
cjfa-12561	103	20	�	�	PROPN
cjfa-12561	103	21	�	�	PROPN
cjfa-12561	103	22	�	�	PROPN
cjfa-12561	103	23	�	�	PROPN
cjfa-12561	103	24	�	�	PROPN
cjfa-12561	103	25	�	�	PROPN
cjfa-12561	103	26	�	�	PROPN
cjfa-12561	103	27	�	�	PROPN
cjfa-12561	103	28	�	�	PROPN
cjfa-12561	103	29	�	�	PROPN
cjfa-12561	103	30	�	�	PROPN
cjfa-12561	103	31	�	�	PROPN
cjfa-12561	103	32	�	�	PROPN
cjfa-12561	103	33	�	�	PROPN
cjfa-12561	103	34	�	�	PROPN
cjfa-12561	103	35	�	�	PROPN
cjfa-12561	103	36	�	�	PROPN
cjfa-12561	103	37	�	�	PROPN
cjfa-12561	103	38	�	�	PROPN
cjfa-12561	103	39	�	�	PROPN
cjfa-12561	103	40	�	�	PROPN
cjfa-12561	103	41	�	�	PROPN
cjfa-12561	103	42	�	�	PROPN
cjfa-12561	103	43	�	�	PROPN
cjfa-12561	103	44	�	�	PROPN
cjfa-12561	103	45	�	�	PROPN
cjfa-12561	103	46	�	�	PROPN
cjfa-12561	103	47	�	�	PROPN
cjfa-12561	103	48	�	�	PROPN
cjfa-12561	103	49	�	�	PROPN
cjfa-12561	103	50	�	�	PROPN
cjfa-12561	103	51	∗	∗	NOUN
cjfa-12561	103	52	�	�	PROPN
cjfa-12561	103	53	�	�	PROPN
cjfa-12561	103	54	�	�	PROPN
cjfa-12561	103	55	�	�	PROPN
cjfa-12561	103	56	�	�	PROPN
cjfa-12561	103	57	�	�	PROPN
cjfa-12561	103	58	�	�	PROPN
cjfa-12561	103	59	�	�	PROPN
cjfa-12561	103	60	�	�	PROPN
cjfa-12561	103	61	�	�	PROPN
cjfa-12561	103	62	�	�	PROPN
cjfa-12561	103	63	�	�	PROPN
cjfa-12561	103	64	�	�	PROPN
cjfa-12561	103	65	�	�	PROPN
cjfa-12561	103	66	�	�	PROPN
cjfa-12561	103	67	�	�	PROPN
cjfa-12561	103	68	�	�	PROPN
cjfa-12561	103	69	�	�	PROPN
cjfa-12561	103	70	�	�	PROPN
cjfa-12561	103	71	�	�	PROPN
cjfa-12561	103	72	�	�	PROPN
cjfa-12561	103	73	�	�	PROPN
cjfa-12561	103	74	�	�	PROPN
cjfa-12561	103	75	�	�	PROPN
cjfa-12561	103	76	�	�	PROPN
cjfa-12561	103	77	�	�	PROPN
cjfa-12561	103	78	�	�	PROPN
cjfa-12561	103	79	�	�	PROPN
cjfa-12561	103	80	�	�	PROPN
cjfa-12561	103	81	�	�	PROPN
cjfa-12561	103	82	�	�	PROPN
cjfa-12561	103	83	�	�	PROPN
cjfa-12561	103	84	�	�	PROPN
cjfa-12561	103	85	�	�	PROPN
cjfa-12561	103	86	∗	∗	VERB
cjfa-12561	103	87	100	100	NUM
cjfa-12561	103	88	%	%	NOUN
cjfa-12561	103	89	(	(	PUNCT
cjfa-12561	103	90	5	5	NUM
cjfa-12561	103	91	)	)	PUNCT
cjfa-12561	103	92	�	�	PROPN
cjfa-12561	103	93	�	�	PROPN
cjfa-12561	103	94	�	�	PROPN
cjfa-12561	103	95	�	�	PROPN
cjfa-12561	103	96	�	�	PROPN
cjfa-12561	103	97	�	�	PROPN
cjfa-12561	103	98	�	�	PROPN
cjfa-12561	103	99	�	�	PROPN
cjfa-12561	103	100	�	�	PROPN
cjfa-12561	103	101	�	�	PROPN
cjfa-12561	103	102	�	�	PROPN
cjfa-12561	103	103	�	�	PROPN
cjfa-12561	103	104	�	�	PROPN
cjfa-12561	103	105	�	�	PROPN
cjfa-12561	103	106	�	�	PROPN
cjfa-12561	103	107	�	�	PROPN
cjfa-12561	103	108	�	�	PROPN
cjfa-12561	103	109	�	�	PROPN
cjfa-12561	103	110	�	�	PROPN
cjfa-12561	103	111	�	�	PROPN
cjfa-12561	103	112	�	�	PROPN
cjfa-12561	103	113	�	�	PROPN
cjfa-12561	103	114	�	�	PROPN
cjfa-12561	103	115	�	�	PROPN
cjfa-12561	103	116	�	�	PROPN
cjfa-12561	103	117	�	�	PROPN
cjfa-12561	103	118	�	�	PROPN
cjfa-12561	103	119	�	�	PROPN
cjfa-12561	103	120	�	�	PROPN
cjfa-12561	103	121	�	�	PROPN
cjfa-12561	103	122	�	�	PROPN
cjfa-12561	103	123	�	�	PROPN
cjfa-12561	103	124	�	�	PROPN
cjfa-12561	103	125	�	�	PROPN
cjfa-12561	103	126	�	�	PROPN
cjfa-12561	103	127	�	�	PROPN
cjfa-12561	103	128	�	�	PROPN
cjfa-12561	103	129	�	�	PROPN
cjfa-12561	103	130	�	�	PROPN
cjfa-12561	103	131	�	�	PROPN
cjfa-12561	103	132	�	�	PROPN
cjfa-12561	103	133	�	�	PROPN
cjfa-12561	103	134	�	�	PROPN
cjfa-12561	103	135	�	�	PROPN
cjfa-12561	103	136	�	�	PROPN
cjfa-12561	103	137	�	�	PROPN
cjfa-12561	103	138	�	�	PROPN
cjfa-12561	103	139	�	�	PROPN
cjfa-12561	103	140	�	�	PROPN
cjfa-12561	103	141	�	�	PROPN
cjfa-12561	103	142	�	�	PROPN
cjfa-12561	103	143	�	�	PROPN
cjfa-12561	103	144	�	�	PROPN
cjfa-12561	103	145	�	�	PROPN
cjfa-12561	103	146	�	�	PROPN
cjfa-12561	103	147	�	�	PROPN
cjfa-12561	103	148	�	�	PROPN
cjfa-12561	103	149	�	�	PROPN
cjfa-12561	103	150	�	�	PROPN
cjfa-12561	103	151	�	�	PROPN
cjfa-12561	103	152	�	�	PROPN
cjfa-12561	103	153	∗	∗	VERB
cjfa-12561	103	154	100	100	NUM
cjfa-12561	103	155	%	%	NOUN
cjfa-12561	103	156	(	(	PUNCT
cjfa-12561	103	157	6	6	NUM
cjfa-12561	103	158	)	)	PUNCT
cjfa-12561	103	159	in	in	ADP
cjfa-12561	103	160	the	the	DET
cjfa-12561	103	161	bottom	bottom	ADJ
cjfa-12561	103	162	-	-	PUNCT
cjfa-12561	103	163	up	up	ADP
cjfa-12561	103	164	models	model	NOUN
cjfa-12561	103	165	for	for	ADP
cjfa-12561	103	166	calculation	calculation	NOUN
cjfa-12561	103	167	of	of	ADP
cjfa-12561	103	168	economic	economic	ADJ
cjfa-12561	103	169	capital	capital	NOUN
cjfa-12561	103	170	is	be	AUX
cjfa-12561	103	171	used	use	VERB
cjfa-12561	103	172	value	value	NOUN
cjfa-12561	103	173	at	at	ADP
cjfa-12561	103	174	risk	risk	NOUN
cjfa-12561	103	175	.	.	PUNCT
cjfa-12561	104	1	these	these	DET
cjfa-12561	104	2	type	type	NOUN
cjfa-12561	104	3	of	of	ADP
cjfa-12561	104	4	models	model	NOUN
cjfa-12561	104	5	are	be	AUX
cjfa-12561	104	6	also	also	ADV
cjfa-12561	104	7	known	know	VERB
cjfa-12561	104	8	as	as	ADP
cjfa-12561	104	9	asset	asset	NOUN
cjfa-12561	104	10	volatility	volatility	NOUN
cjfa-12561	104	11	models	model	NOUN
cjfa-12561	104	12	.	.	PUNCT
cjfa-12561	105	1	indicators	indicator	NOUN
cjfa-12561	105	2	have	have	VERB
cjfa-12561	105	3	the	the	DET
cjfa-12561	105	4	following	follow	VERB
cjfa-12561	105	5	form	form	NOUN
cjfa-12561	105	6	(	(	PUNCT
cjfa-12561	105	7	iwanicz	iwanicz	NOUN
cjfa-12561	105	8	-	-	PUNCT
cjfa-12561	105	9	drozdowska	drozdowska	NOUN
cjfa-12561	105	10	,	,	PUNCT
cjfa-12561	105	11	2012	2012	NUM
cjfa-12561	105	12	,	,	PUNCT
cjfa-12561	105	13	pp	pp	ADJ
cjfa-12561	105	14	.	.	PUNCT
cjfa-12561	106	1	252	252	NUM
cjfa-12561	106	2	-	-	SYM
cjfa-12561	106	3	253	253	NUM
cjfa-12561	106	4	):	):	PUNCT
cjfa-12561	106	5	�	�	PROPN
cjfa-12561	106	6	�	�	PROPN
cjfa-12561	106	7	�	�	PROPN
cjfa-12561	106	8	�	�	PROPN
cjfa-12561	106	9	�	�	PROPN
cjfa-12561	106	10	�	�	PROPN
cjfa-12561	106	11	�	�	PROPN
cjfa-12561	106	12	�	�	PROPN
cjfa-12561	106	13	�	�	PROPN
cjfa-12561	106	14	�	�	PROPN
cjfa-12561	106	15	�	�	PROPN
cjfa-12561	106	16	�	�	PROPN
cjfa-12561	106	17	�	�	PROPN
cjfa-12561	106	18	�	�	PROPN
cjfa-12561	106	19	�	�	PROPN
cjfa-12561	106	20	�	�	PROPN
cjfa-12561	106	21	�	�	PROPN
cjfa-12561	106	22	�	�	PROPN
cjfa-12561	106	23	�	�	PROPN
cjfa-12561	106	24	�	�	PROPN
cjfa-12561	106	25	�	�	PROPN
cjfa-12561	106	26	�	�	PROPN
cjfa-12561	106	27	�	�	PROPN
cjfa-12561	106	28	�	�	PROPN
cjfa-12561	106	29	�	�	PROPN
cjfa-12561	106	30	�	�	PROPN
cjfa-12561	106	31	�	�	PROPN
cjfa-12561	106	32	�	�	PROPN
cjfa-12561	106	33	(	(	PUNCT
cjfa-12561	106	34	7	7	NUM
cjfa-12561	106	35	)	)	PUNCT
cjfa-12561	106	36	�	�	PROPN
cjfa-12561	106	37	�	�	PROPN
cjfa-12561	106	38	�	�	PROPN
cjfa-12561	106	39	�	�	PROPN
cjfa-12561	106	40	�	�	PROPN
cjfa-12561	106	41	�	�	PROPN
cjfa-12561	106	42	�	�	PROPN
cjfa-12561	106	43	�	�	PROPN
cjfa-12561	106	44	�	�	PROPN
cjfa-12561	106	45	�	�	PROPN
cjfa-12561	106	46	�	�	PROPN
cjfa-12561	106	47	�	�	PROPN
cjfa-12561	106	48	�	�	PROPN
cjfa-12561	106	49	�	�	PROPN
cjfa-12561	106	50	�	�	PROPN
cjfa-12561	106	51	�	�	PROPN
cjfa-12561	106	52	�	�	PROPN
cjfa-12561	106	53	�	�	PROPN
cjfa-12561	106	54	�	�	PROPN
cjfa-12561	106	55	�	�	PROPN
cjfa-12561	106	56	�	�	PROPN
cjfa-12561	106	57	�	�	PROPN
cjfa-12561	106	58	�	�	PROPN
cjfa-12561	106	59	�	�	PROPN
cjfa-12561	106	60	�	�	PROPN
cjfa-12561	106	61	�	�	PROPN
cjfa-12561	106	62	�	�	PROPN
cjfa-12561	106	63	�	�	PROPN
cjfa-12561	106	64	�	�	PROPN
cjfa-12561	106	65	�	�	PROPN
cjfa-12561	106	66	�	�	PROPN
cjfa-12561	106	67	�	�	PROPN
cjfa-12561	106	68	�	�	PROPN
cjfa-12561	106	69	�	�	PROPN
cjfa-12561	106	70	�	�	PROPN
cjfa-12561	106	71	�	�	PROPN
cjfa-12561	106	72	�	�	PROPN
cjfa-12561	106	73	�	�	PROPN
cjfa-12561	106	74	�	�	PROPN
cjfa-12561	106	75	�	�	PROPN
cjfa-12561	106	76	�	�	PROPN
cjfa-12561	106	77	�	�	PROPN
cjfa-12561	106	78	(	(	PUNCT
cjfa-12561	106	79	8)	8)	NUM
cjfa-12561	106	80	based	base	VERB
cjfa-12561	106	81	on	on	ADP
cjfa-12561	106	82	the	the	DET
cjfa-12561	106	83	above	above	ADJ
cjfa-12561	106	84	information	information	NOUN
cjfa-12561	106	85	it	it	PRON
cjfa-12561	106	86	can	can	AUX
cjfa-12561	106	87	be	be	AUX
cjfa-12561	106	88	concluded	conclude	VERB
cjfa-12561	106	89	that	that	SCONJ
cjfa-12561	106	90	there	there	PRON
cjfa-12561	106	91	is	be	VERB
cjfa-12561	106	92	no	no	DET
cjfa-12561	106	93	single	single	ADJ
cjfa-12561	106	94	,	,	PUNCT
cjfa-12561	106	95	universal	universal	ADJ
cjfa-12561	106	96	formula	formula	NOUN
cjfa-12561	106	97	for	for	ADP
cjfa-12561	106	98	rorac	rorac	NOUN
cjfa-12561	106	99	or	or	CCONJ
cjfa-12561	106	100	raroc	raroc	NOUN
cjfa-12561	106	101	.	.	PUNCT
cjfa-12561	107	1	the	the	DET
cjfa-12561	107	2	outcome	outcome	NOUN
cjfa-12561	107	3	of	of	ADP
cjfa-12561	107	4	the	the	DET
cjfa-12561	107	5	research	research	NOUN
cjfa-12561	107	6	process	process	NOUN
cjfa-12561	107	7	and	and	CCONJ
cjfa-12561	107	8	conclusions	conclusion	NOUN
cjfa-12561	107	9	rorac	rorac	NOUN
cjfa-12561	107	10	indicators	indicator	NOUN
cjfa-12561	107	11	are	be	AUX
cjfa-12561	107	12	presented	present	VERB
cjfa-12561	107	13	in	in	ADP
cjfa-12561	107	14	table	table	NOUN
cjfa-12561	107	15	1	1	NUM
cjfa-12561	107	16	.	.	PUNCT
cjfa-12561	108	1	in	in	ADP
cjfa-12561	108	2	this	this	DET
cjfa-12561	108	3	case	case	NOUN
cjfa-12561	108	4	,	,	PUNCT
cjfa-12561	108	5	rorac	rorac	NOUN
cjfa-12561	108	6	has	have	AUX
cjfa-12561	108	7	been	be	AUX
cjfa-12561	108	8	calculated	calculate	VERB
cjfa-12561	108	9	as	as	ADP
cjfa-12561	108	10	the	the	DET
cjfa-12561	108	11	ratio	ratio	NOUN
cjfa-12561	108	12	between	between	ADP
cjfa-12561	108	13	the	the	DET
cjfa-12561	108	14	net	net	ADJ
cjfa-12561	108	15	profit	profit	NOUN
cjfa-12561	108	16	and	and	CCONJ
cjfa-12561	108	17	different	different	ADJ
cjfa-12561	108	18	heights	height	NOUN
cjfa-12561	108	19	of	of	ADP
cjfa-12561	108	20	capital	capital	NOUN
cjfa-12561	108	21	in	in	ADP
cjfa-12561	108	22	the	the	DET
cjfa-12561	108	23	9	9	NUM
cjfa-12561	108	24	largest	large	ADJ
cjfa-12561	108	25	credit	credit	NOUN
cjfa-12561	108	26	institutions	institution	NOUN
cjfa-12561	108	27	in	in	ADP
cjfa-12561	108	28	poland	poland	PROPN
cjfa-12561	108	29	in	in	ADP
cjfa-12561	108	30	terms	term	NOUN
cjfa-12561	108	31	of	of	ADP
cjfa-12561	108	32	assets	asset	NOUN
cjfa-12561	108	33	on	on	ADP
cjfa-12561	108	34	a	a	DET
cjfa-12561	108	35	consolidated	consolidated	ADJ
cjfa-12561	108	36	basis	basis	NOUN
cjfa-12561	108	37	.	.	PUNCT
cjfa-12561	109	1	in	in	ADP
cjfa-12561	109	2	all	all	DET
cjfa-12561	109	3	surveyed	survey	VERB
cjfa-12561	109	4	banks	bank	NOUN
cjfa-12561	109	5	can	can	AUX
cjfa-12561	109	6	be	be	AUX
cjfa-12561	109	7	observed	observe	VERB
cjfa-12561	109	8	decreasing	decrease	VERB
cjfa-12561	109	9	trend	trend	NOUN
cjfa-12561	109	10	of	of	ADP
cjfa-12561	109	11	rorac	rorac	NOUN
cjfa-12561	109	12	.	.	PUNCT
cjfa-12561	110	1	this	this	PRON
cjfa-12561	110	2	can	can	AUX
cjfa-12561	110	3	be	be	AUX
cjfa-12561	110	4	justified	justify	VERB
cjfa-12561	110	5	by	by	ADP
cjfa-12561	110	6	the	the	DET
cjfa-12561	110	7	new	new	ADJ
cjfa-12561	110	8	regulations	regulation	NOUN
cjfa-12561	110	9	,	,	PUNCT
cjfa-12561	110	10	i.e.	i.e.	X
cjfa-12561	110	11	basel	basel	PROPN
cjfa-12561	110	12	iii	iii	PROPN
cjfa-12561	110	13	,	,	PUNCT
cjfa-12561	110	14	and	and	CCONJ
cjfa-12561	110	15	the	the	DET
cjfa-12561	110	16	consequent	consequent	ADJ
cjfa-12561	110	17	need	need	NOUN
cjfa-12561	110	18	to	to	PART
cjfa-12561	110	19	increase	increase	VERB
cjfa-12561	110	20	the	the	DET
cjfa-12561	110	21	quantity	quantity	NOUN
cjfa-12561	110	22	and	and	CCONJ
cjfa-12561	110	23	quality	quality	NOUN
cjfa-12561	110	24	of	of	ADP
cjfa-12561	110	25	own	own	ADJ
cjfa-12561	110	26	funds	fund	NOUN
cjfa-12561	110	27	of	of	ADP
cjfa-12561	110	28	credit	credit	NOUN
cjfa-12561	110	29	institutions	institution	NOUN
cjfa-12561	110	30	,	,	PUNCT
cjfa-12561	110	31	and	and	CCONJ
cjfa-12561	110	32	fuller	full	ADJ
cjfa-12561	110	33	risks	risk	NOUN
cjfa-12561	110	34	coverage	coverage	NOUN
cjfa-12561	110	35	by	by	ADP
cjfa-12561	110	36	the	the	DET
cjfa-12561	110	37	own	own	ADJ
cjfa-12561	110	38	funds	fund	NOUN
cjfa-12561	110	39	.	.	PUNCT
cjfa-12561	111	1	furthermore	furthermore	ADV
cjfa-12561	111	2	as	as	ADP
cjfa-12561	111	3	a	a	DET
cjfa-12561	111	4	result	result	NOUN
cjfa-12561	111	5	of	of	ADP
cjfa-12561	111	6	these	these	DET
cjfa-12561	111	7	calculations	calculation	NOUN
cjfa-12561	111	8	can	can	AUX
cjfa-12561	111	9	be	be	AUX
cjfa-12561	111	10	observed	observe	VERB
cjfa-12561	111	11	how	how	SCONJ
cjfa-12561	111	12	competent	competent	ADJ
cjfa-12561	111	13	supervisory	supervisory	ADJ
cjfa-12561	111	14	authorities	authority	NOUN
cjfa-12561	111	15	may	may	AUX
cjfa-12561	111	16	affect	affect	VERB
cjfa-12561	111	17	the	the	DET
cjfa-12561	111	18	bank	bank	NOUN
cjfa-12561	111	19	's	's	PART
cjfa-12561	111	20	profitability	profitability	NOUN
cjfa-12561	111	21	adjusted	adjust	VERB
cjfa-12561	111	22	for	for	ADP
cjfa-12561	111	23	risk	risk	NOUN
cjfa-12561	111	24	.	.	PUNCT
cjfa-12561	112	1	in	in	ADP
cjfa-12561	112	2	order	order	NOUN
cjfa-12561	112	3	to	to	PART
cjfa-12561	112	4	fulfil	fulfil	VERB
cjfa-12561	112	5	these	these	DET
cjfa-12561	112	6	requirements	requirement	NOUN
cjfa-12561	112	7	and	and	CCONJ
cjfa-12561	112	8	maintain	maintain	VERB
cjfa-12561	112	9	profitability	profitability	NOUN
cjfa-12561	112	10	at	at	ADP
cjfa-12561	112	11	current	current	ADJ
cjfa-12561	112	12	levels	level	NOUN
cjfa-12561	112	13	,	,	PUNCT
cjfa-12561	112	14	credit	credit	NOUN
cjfa-12561	112	15	institutions	institution	NOUN
cjfa-12561	112	16	may	may	AUX
cjfa-12561	112	17	undertake	undertake	VERB
cjfa-12561	112	18	various	various	ADJ
cjfa-12561	112	19	activities	activity	NOUN
cjfa-12561	112	20	,	,	PUNCT
cjfa-12561	112	21	such	such	ADJ
cjfa-12561	112	22	as	as	ADP
cjfa-12561	112	23	increase	increase	NOUN
cjfa-12561	112	24	capital	capital	NOUN
cjfa-12561	112	25	by	by	ADP
cjfa-12561	112	26	issuing	issue	VERB
cjfa-12561	112	27	new	new	ADJ
cjfa-12561	112	28	shares	share	NOUN
cjfa-12561	112	29	,	,	PUNCT
cjfa-12561	112	30	plough	plough	NOUN
cjfa-12561	112	31	current	current	ADJ
cjfa-12561	112	32	profit	profit	NOUN
cjfa-12561	112	33	back	back	ADV
cjfa-12561	112	34	,	,	PUNCT
cjfa-12561	112	35	or	or	CCONJ
cjfa-12561	112	36	decrease	decrease	VERB
cjfa-12561	112	37	interest	interest	NOUN
cjfa-12561	112	38	rate	rate	NOUN
cjfa-12561	112	39	on	on	ADP
cjfa-12561	112	40	deposits	deposit	NOUN
cjfa-12561	112	41	.	.	PUNCT
cjfa-12561	113	1	while	while	SCONJ
cjfa-12561	113	2	on	on	ADP
cjfa-12561	113	3	the	the	DET
cjfa-12561	113	4	assets	asset	NOUN
cjfa-12561	113	5	side	side	NOUN
cjfa-12561	113	6	they	they	PRON
cjfa-12561	113	7	can	can	AUX
cjfa-12561	113	8	reduce	reduce	VERB
cjfa-12561	113	9	credits	credit	NOUN
cjfa-12561	113	10	and	and	CCONJ
cjfa-12561	113	11	loans	loan	NOUN
cjfa-12561	113	12	supply	supply	VERB
cjfa-12561	113	13	in	in	ADP
cjfa-12561	113	14	order	order	NOUN
cjfa-12561	113	15	to	to	PART
cjfa-12561	113	16	reduce	reduce	VERB
cjfa-12561	113	17	risk	risk	NOUN
cjfa-12561	113	18	-	-	PUNCT
cjfa-12561	113	19	weighted	weight	VERB
cjfa-12561	113	20	assets	asset	NOUN
cjfa-12561	113	21	and	and	CCONJ
cjfa-12561	113	22	accordingly	accordingly	ADV
cjfa-12561	113	23	capital	capital	NOUN
cjfa-12561	113	24	requirement	requirement	NOUN
cjfa-12561	113	25	,	,	PUNCT
cjfa-12561	113	26	as	as	ADV
cjfa-12561	113	27	well	well	ADV
cjfa-12561	113	28	as	as	ADP
cjfa-12561	113	29	rise	rise	VERB
cjfa-12561	113	30	lending	lending	NOUN
cjfa-12561	113	31	rates	rate	NOUN
cjfa-12561	113	32	.	.	PUNCT
cjfa-12561	114	1	ad	ad	NOUN
cjfa-12561	114	2	.	.	PUNCT
cjfa-12561	115	1	(	(	PUNCT
cjfa-12561	115	2	4	4	X
cjfa-12561	115	3	)	)	PUNCT
cjfa-12561	115	4	another	another	DET
cjfa-12561	115	5	approach	approach	NOUN
cjfa-12561	115	6	to	to	ADP
cjfa-12561	115	7	measuring	measure	VERB
cjfa-12561	115	8	the	the	DET
cjfa-12561	115	9	effectiveness	effectiveness	NOUN
cjfa-12561	115	10	and	and	CCONJ
cjfa-12561	115	11	risks	risk	NOUN
cjfa-12561	115	12	which	which	PRON
cjfa-12561	115	13	occurs	occur	VERB
cjfa-12561	115	14	in	in	ADP
cjfa-12561	115	15	the	the	DET
cjfa-12561	115	16	literature	literature	NOUN
cjfa-12561	115	17	,	,	PUNCT
cjfa-12561	115	18	are	be	AUX
cjfa-12561	115	19	top	top	ADJ
cjfa-12561	115	20	-	-	PUNCT
cjfa-12561	115	21	down	down	NOUN
cjfa-12561	115	22	and	and	CCONJ
cjfa-12561	115	23	bottom	bottom	ADJ
cjfa-12561	115	24	-	-	PUNCT
cjfa-12561	115	25	up	up	ADP
cjfa-12561	115	26	models	model	NOUN
cjfa-12561	115	27	(	(	PUNCT
cjfa-12561	115	28	iwanicz	iwanicz	NOUN
cjfa-12561	115	29	-	-	PUNCT
cjfa-12561	115	30	drozdowska	drozdowska	NOUN
cjfa-12561	115	31	,	,	PUNCT
cjfa-12561	115	32	2012	2012	NUM
cjfa-12561	115	33	,	,	PUNCT
cjfa-12561	115	34	pp	pp	ADJ
cjfa-12561	115	35	.	.	PUNCT
cjfa-12561	115	36	247	247	NUM
cjfa-12561	115	37	,	,	PUNCT
cjfa-12561	115	38	252	252	NUM
cjfa-12561	115	39	)	)	PUNCT
cjfa-12561	115	40	.	.	PUNCT
cjfa-12561	116	1	top	top	ADJ
cjfa-12561	116	2	-	-	PUNCT
cjfa-12561	116	3	down	down	ADP
cjfa-12561	116	4	models	model	NOUN
cjfa-12561	116	5	assume	assume	VERB
cjfa-12561	116	6	allocation	allocation	NOUN
cjfa-12561	116	7	of	of	ADP
cjfa-12561	116	8	economic	economic	ADJ
cjfa-12561	116	9	or	or	CCONJ
cjfa-12561	116	10	regulatory	regulatory	ADJ
cjfa-12561	116	11	capital	capital	NOUN
cjfa-12561	116	12	.	.	PUNCT
cjfa-12561	117	1	these	these	DET
cjfa-12561	117	2	models	model	NOUN
cjfa-12561	117	3	are	be	AUX
cjfa-12561	117	4	also	also	ADV
cjfa-12561	117	5	called	call	VERB
cjfa-12561	117	6	earnings	earning	NOUN
cjfa-12561	117	7	volatility	volatility	NOUN
cjfa-12561	117	8	models	model	NOUN
cjfa-12561	117	9	,	,	PUNCT
cjfa-12561	117	10	because	because	SCONJ
cjfa-12561	117	11	they	they	PRON
cjfa-12561	117	12	use	use	VERB
cjfa-12561	117	13	earnings	earning	NOUN
cjfa-12561	117	14	at	at	ADP
cjfa-12561	117	15	risk	risk	NOUN
cjfa-12561	117	16	.	.	PUNCT
cjfa-12561	118	1	2	2	NUM
cjfa-12561	118	2	basic	basic	ADJ
cjfa-12561	118	3	models	model	NOUN
cjfa-12561	118	4	can	can	AUX
cjfa-12561	118	5	be	be	AUX
cjfa-12561	118	6	extracted	extract	VERB
cjfa-12561	118	7	(	(	PUNCT
cjfa-12561	118	8	iwanicz	iwanicz	NOUN
cjfa-12561	118	9	-	-	PUNCT
cjfa-12561	118	10	drozdowska	drozdowska	NOUN
cjfa-12561	118	11	,	,	PUNCT
cjfa-12561	118	12	2012	2012	NUM
cjfa-12561	118	13	,	,	PUNCT
cjfa-12561	118	14	p.	p.	NOUN
cjfa-12561	118	15	247	247	NUM
cjfa-12561	118	16	):	):	PUNCT
cjfa-12561	118	17	a	a	DET
cjfa-12561	118	18	combination	combination	NOUN
cjfa-12561	118	19	of	of	ADP
cjfa-12561	118	20	raroc	raroc	NOUN
cjfa-12561	118	21	and	and	CCONJ
cjfa-12561	118	22	rorac	rorac	NOUN
cjfa-12561	118	23	is	be	AUX
cjfa-12561	118	24	a	a	DET
cjfa-12561	118	25	risk	risk	NOUN
cjfa-12561	118	26	-	-	PUNCT
cjfa-12561	118	27	adjusted	adjust	VERB
cjfa-12561	118	28	return	return	NOUN
cjfa-12561	118	29	on	on	ADP
cjfa-12561	118	30	risk	risk	NOUN
cjfa-12561	118	31	adjusted	adjust	VERB
cjfa-12561	118	32	capital	capital	NOUN
cjfa-12561	118	33	(	(	PUNCT
cjfa-12561	118	34	rarorac	rarorac	PROPN
cjfa-12561	118	35	)	)	PUNCT
cjfa-12561	118	36	(	(	PUNCT
cjfa-12561	118	37	kałużny	kałużny	NOUN
cjfa-12561	118	38	,	,	PUNCT
cjfa-12561	118	39	2012	2012	NUM
cjfa-12561	118	40	,	,	PUNCT
cjfa-12561	118	41	p.	p.	NOUN
cjfa-12561	118	42	238	238	NUM
cjfa-12561	118	43	):	):	PUNCT
cjfa-12561	118	44	�	�	PROPN
cjfa-12561	118	45	�	�	PROPN
cjfa-12561	118	46	�	�	PROPN
cjfa-12561	118	47	�	�	PROPN
cjfa-12561	118	48	�	�	PROPN
cjfa-12561	118	49	�	�	PROPN
cjfa-12561	118	50	�	�	PROPN
cjfa-12561	118	51	�	�	PROPN
cjfa-12561	118	52	�	�	PROPN
cjfa-12561	118	53	�	�	PROPN
cjfa-12561	118	54	�	�	PROPN
cjfa-12561	118	55	�	�	PROPN
cjfa-12561	118	56	�	�	PROPN
cjfa-12561	118	57	�	�	PROPN
cjfa-12561	118	58	�	�	PROPN
cjfa-12561	118	59	�	�	PROPN
cjfa-12561	118	60	�	�	PROPN
cjfa-12561	118	61	�	�	PROPN
cjfa-12561	118	62	�	�	PROPN
cjfa-12561	118	63	�	�	PROPN
cjfa-12561	118	64	�	�	PROPN
cjfa-12561	118	65	�	�	PROPN
cjfa-12561	118	66	�	�	PROPN
cjfa-12561	118	67	�	�	PROPN
cjfa-12561	118	68	�	�	PROPN
cjfa-12561	118	69	�	�	PROPN
cjfa-12561	118	70	�	�	PROPN
cjfa-12561	118	71	�	�	PROPN
cjfa-12561	118	72	�	�	PROPN
cjfa-12561	118	73	�	�	PROPN
cjfa-12561	118	74	�	�	PROPN
cjfa-12561	118	75	�	�	PROPN
cjfa-12561	118	76	�	�	PROPN
cjfa-12561	118	77	�	�	PROPN
cjfa-12561	118	78	�	�	PROPN
cjfa-12561	118	79	�	�	PROPN
cjfa-12561	118	80	�	�	PROPN
cjfa-12561	118	81	�	�	PROPN
cjfa-12561	118	82	�	�	PROPN
cjfa-12561	118	83	�	�	PROPN
cjfa-12561	118	84	�	�	PROPN
cjfa-12561	118	85	�	�	PROPN
cjfa-12561	118	86	�	�	PROPN
cjfa-12561	118	87	�	�	PROPN
cjfa-12561	118	88	�	�	PROPN
cjfa-12561	118	89	�	�	PROPN
cjfa-12561	118	90	�	�	PROPN
cjfa-12561	118	91	∗	∗	VERB
cjfa-12561	118	92	100	100	NUM
cjfa-12561	118	93	%	%	NOUN
cjfa-12561	118	94	(	(	PUNCT
cjfa-12561	118	95	4	4	NUM
cjfa-12561	118	96	)	)	PUNCT
cjfa-12561	118	97	another	another	DET
cjfa-12561	118	98	approach	approach	NOUN
cjfa-12561	118	99	to	to	ADP
cjfa-12561	118	100	measuring	measure	VERB
cjfa-12561	118	101	the	the	DET
cjfa-12561	118	102	effectiveness	effectiveness	NOUN
cjfa-12561	118	103	and	and	CCONJ
cjfa-12561	118	104	risks	risk	NOUN
cjfa-12561	118	105	which	which	PRON
cjfa-12561	118	106	occurs	occur	VERB
cjfa-12561	118	107	in	in	ADP
cjfa-12561	118	108	the	the	DET
cjfa-12561	118	109	literature	literature	NOUN
cjfa-12561	118	110	,	,	PUNCT
cjfa-12561	118	111	are	be	AUX
cjfa-12561	118	112	top	top	ADJ
cjfa-12561	118	113	-	-	PUNCT
cjfa-12561	118	114	down	down	NOUN
cjfa-12561	118	115	and	and	CCONJ
cjfa-12561	118	116	bottom	bottom	ADJ
cjfa-12561	118	117	-	-	PUNCT
cjfa-12561	118	118	up	up	ADP
cjfa-12561	118	119	models	model	NOUN
cjfa-12561	118	120	(	(	PUNCT
cjfa-12561	118	121	iwanicz	iwanicz	NOUN
cjfa-12561	118	122	-	-	PUNCT
cjfa-12561	118	123	drozdowska	drozdowska	NOUN
cjfa-12561	118	124	,	,	PUNCT
cjfa-12561	118	125	2012	2012	NUM
cjfa-12561	118	126	,	,	PUNCT
cjfa-12561	118	127	pp	pp	ADJ
cjfa-12561	118	128	.	.	PUNCT
cjfa-12561	118	129	247	247	NUM
cjfa-12561	118	130	,	,	PUNCT
cjfa-12561	118	131	252	252	NUM
cjfa-12561	118	132	)	)	PUNCT
cjfa-12561	118	133	.	.	PUNCT
cjfa-12561	119	1	top	top	ADJ
cjfa-12561	119	2	-	-	PUNCT
cjfa-12561	119	3	down	down	ADP
cjfa-12561	119	4	models	model	NOUN
cjfa-12561	119	5	assume	assume	VERB
cjfa-12561	119	6	allocation	allocation	NOUN
cjfa-12561	119	7	of	of	ADP
cjfa-12561	119	8	economic	economic	ADJ
cjfa-12561	119	9	or	or	CCONJ
cjfa-12561	119	10	regulatory	regulatory	ADJ
cjfa-12561	119	11	capital	capital	NOUN
cjfa-12561	119	12	.	.	PUNCT
cjfa-12561	120	1	these	these	DET
cjfa-12561	120	2	models	model	NOUN
cjfa-12561	120	3	are	be	AUX
cjfa-12561	120	4	also	also	ADV
cjfa-12561	120	5	called	call	VERB
cjfa-12561	120	6	earnings	earning	NOUN
cjfa-12561	120	7	volatility	volatility	NOUN
cjfa-12561	120	8	models	model	NOUN
cjfa-12561	120	9	,	,	PUNCT
cjfa-12561	120	10	because	because	SCONJ
cjfa-12561	120	11	they	they	PRON
cjfa-12561	120	12	use	use	VERB
cjfa-12561	120	13	earnings	earning	NOUN
cjfa-12561	120	14	at	at	ADP
cjfa-12561	120	15	risk	risk	NOUN
cjfa-12561	120	16	.	.	PUNCT
cjfa-12561	121	1	2	2	NUM
cjfa-12561	121	2	basic	basic	ADJ
cjfa-12561	121	3	models	model	NOUN
cjfa-12561	121	4	can	can	AUX
cjfa-12561	121	5	be	be	AUX
cjfa-12561	121	6	extracted	extract	VERB
cjfa-12561	121	7	(	(	PUNCT
cjfa-12561	121	8	iwanicz	iwanicz	NOUN
cjfa-12561	121	9	-	-	PUNCT
cjfa-12561	121	10	drozdowska	drozdowska	NOUN
cjfa-12561	121	11	,	,	PUNCT
cjfa-12561	121	12	2012	2012	NUM
cjfa-12561	121	13	,	,	PUNCT
cjfa-12561	121	14	p.	p.	NOUN
cjfa-12561	121	15	247	247	NUM
cjfa-12561	121	16	):	):	PUNCT
cjfa-12561	121	17	�	�	PROPN
cjfa-12561	121	18	�	�	PROPN
cjfa-12561	121	19	�	�	PROPN
cjfa-12561	121	20	�	�	PROPN
cjfa-12561	121	21	�	�	PROPN
cjfa-12561	121	22	�	�	PROPN
cjfa-12561	121	23	�	�	PROPN
cjfa-12561	121	24	�	�	PROPN
cjfa-12561	121	25	�	�	PROPN
cjfa-12561	121	26	�	�	PROPN
cjfa-12561	121	27	�	�	PROPN
cjfa-12561	121	28	�	�	PROPN
cjfa-12561	121	29	�	�	PROPN
cjfa-12561	121	30	�	�	PROPN
cjfa-12561	121	31	�	�	PROPN
cjfa-12561	121	32	�	�	PROPN
cjfa-12561	121	33	�	�	PROPN
cjfa-12561	121	34	�	�	PROPN
cjfa-12561	121	35	�	�	PROPN
cjfa-12561	121	36	�	�	PROPN
cjfa-12561	121	37	�	�	PROPN
cjfa-12561	121	38	�	�	PROPN
cjfa-12561	121	39	�	�	PROPN
cjfa-12561	121	40	�	�	PROPN
cjfa-12561	121	41	�	�	PROPN
cjfa-12561	121	42	�	�	PROPN
cjfa-12561	121	43	�	�	PROPN
cjfa-12561	121	44	�	�	PROPN
cjfa-12561	121	45	�	�	PROPN
cjfa-12561	121	46	�	�	PROPN
cjfa-12561	121	47	�	�	PROPN
cjfa-12561	121	48	�	�	PROPN
cjfa-12561	121	49	�	�	PROPN
cjfa-12561	121	50	�	�	PROPN
cjfa-12561	121	51	∗	∗	NOUN
cjfa-12561	121	52	�	�	PROPN
cjfa-12561	121	53	�	�	PROPN
cjfa-12561	121	54	�	�	PROPN
cjfa-12561	121	55	�	�	PROPN
cjfa-12561	121	56	�	�	PROPN
cjfa-12561	121	57	�	�	PROPN
cjfa-12561	121	58	�	�	PROPN
cjfa-12561	121	59	�	�	PROPN
cjfa-12561	121	60	�	�	PROPN
cjfa-12561	121	61	�	�	PROPN
cjfa-12561	121	62	�	�	PROPN
cjfa-12561	121	63	�	�	PROPN
cjfa-12561	121	64	�	�	PROPN
cjfa-12561	121	65	�	�	PROPN
cjfa-12561	121	66	�	�	PROPN
cjfa-12561	121	67	�	�	PROPN
cjfa-12561	121	68	�	�	PROPN
cjfa-12561	121	69	�	�	PROPN
cjfa-12561	121	70	�	�	PROPN
cjfa-12561	121	71	�	�	PROPN
cjfa-12561	121	72	�	�	PROPN
cjfa-12561	121	73	�	�	PROPN
cjfa-12561	121	74	�	�	PROPN
cjfa-12561	121	75	�	�	PROPN
cjfa-12561	121	76	�	�	PROPN
cjfa-12561	121	77	�	�	PROPN
cjfa-12561	121	78	�	�	PROPN
cjfa-12561	121	79	�	�	PROPN
cjfa-12561	121	80	�	�	PROPN
cjfa-12561	121	81	�	�	PROPN
cjfa-12561	121	82	�	�	PROPN
cjfa-12561	121	83	�	�	PROPN
cjfa-12561	121	84	�	�	PROPN
cjfa-12561	121	85	�	�	PROPN
cjfa-12561	121	86	∗	∗	VERB
cjfa-12561	121	87	100	100	NUM
cjfa-12561	121	88	%	%	NOUN
cjfa-12561	121	89	(	(	PUNCT
cjfa-12561	121	90	5	5	NUM
cjfa-12561	121	91	)	)	PUNCT
cjfa-12561	121	92	�	�	PROPN
cjfa-12561	121	93	�	�	PROPN
cjfa-12561	121	94	�	�	PROPN
cjfa-12561	121	95	�	�	PROPN
cjfa-12561	121	96	�	�	PROPN
cjfa-12561	121	97	�	�	PROPN
cjfa-12561	121	98	�	�	PROPN
cjfa-12561	121	99	�	�	PROPN
cjfa-12561	121	100	�	�	PROPN
cjfa-12561	121	101	�	�	PROPN
cjfa-12561	121	102	�	�	PROPN
cjfa-12561	121	103	�	�	PROPN
cjfa-12561	121	104	�	�	PROPN
cjfa-12561	121	105	�	�	PROPN
cjfa-12561	121	106	�	�	PROPN
cjfa-12561	121	107	�	�	PROPN
cjfa-12561	121	108	�	�	PROPN
cjfa-12561	121	109	�	�	PROPN
cjfa-12561	121	110	�	�	PROPN
cjfa-12561	121	111	�	�	PROPN
cjfa-12561	121	112	�	�	PROPN
cjfa-12561	121	113	�	�	PROPN
cjfa-12561	121	114	�	�	PROPN
cjfa-12561	121	115	�	�	PROPN
cjfa-12561	121	116	�	�	PROPN
cjfa-12561	121	117	�	�	PROPN
cjfa-12561	121	118	�	�	PROPN
cjfa-12561	121	119	�	�	PROPN
cjfa-12561	121	120	�	�	PROPN
cjfa-12561	121	121	�	�	PROPN
cjfa-12561	121	122	�	�	PROPN
cjfa-12561	121	123	�	�	PROPN
cjfa-12561	121	124	�	�	PROPN
cjfa-12561	121	125	�	�	PROPN
cjfa-12561	121	126	�	�	PROPN
cjfa-12561	121	127	�	�	PROPN
cjfa-12561	121	128	�	�	PROPN
cjfa-12561	121	129	�	�	PROPN
cjfa-12561	121	130	�	�	PROPN
cjfa-12561	121	131	�	�	PROPN
cjfa-12561	121	132	�	�	PROPN
cjfa-12561	121	133	�	�	PROPN
cjfa-12561	121	134	�	�	PROPN
cjfa-12561	121	135	�	�	PROPN
cjfa-12561	121	136	�	�	PROPN
cjfa-12561	121	137	�	�	PROPN
cjfa-12561	121	138	�	�	PROPN
cjfa-12561	121	139	�	�	PROPN
cjfa-12561	121	140	�	�	PROPN
cjfa-12561	121	141	�	�	PROPN
cjfa-12561	121	142	�	�	PROPN
cjfa-12561	121	143	�	�	PROPN
cjfa-12561	121	144	�	�	PROPN
cjfa-12561	121	145	�	�	PROPN
cjfa-12561	121	146	�	�	PROPN
cjfa-12561	121	147	�	�	PROPN
cjfa-12561	121	148	�	�	PROPN
cjfa-12561	121	149	�	�	PROPN
cjfa-12561	121	150	�	�	PROPN
cjfa-12561	121	151	�	�	PROPN
cjfa-12561	121	152	�	�	PROPN
cjfa-12561	121	153	∗	∗	VERB
cjfa-12561	121	154	100	100	NUM
cjfa-12561	121	155	%	%	NOUN
cjfa-12561	121	156	(	(	PUNCT
cjfa-12561	121	157	6	6	NUM
cjfa-12561	121	158	)	)	PUNCT
cjfa-12561	121	159	in	in	ADP
cjfa-12561	121	160	the	the	DET
cjfa-12561	121	161	bottom	bottom	ADJ
cjfa-12561	121	162	-	-	PUNCT
cjfa-12561	121	163	up	up	ADP
cjfa-12561	121	164	models	model	NOUN
cjfa-12561	121	165	for	for	ADP
cjfa-12561	121	166	calculation	calculation	NOUN
cjfa-12561	121	167	of	of	ADP
cjfa-12561	121	168	economic	economic	ADJ
cjfa-12561	121	169	capital	capital	NOUN
cjfa-12561	121	170	is	be	AUX
cjfa-12561	121	171	used	use	VERB
cjfa-12561	121	172	value	value	NOUN
cjfa-12561	121	173	at	at	ADP
cjfa-12561	121	174	risk	risk	NOUN
cjfa-12561	121	175	.	.	PUNCT
cjfa-12561	122	1	these	these	DET
cjfa-12561	122	2	type	type	NOUN
cjfa-12561	122	3	of	of	ADP
cjfa-12561	122	4	models	model	NOUN
cjfa-12561	122	5	are	be	AUX
cjfa-12561	122	6	also	also	ADV
cjfa-12561	122	7	known	know	VERB
cjfa-12561	122	8	as	as	ADP
cjfa-12561	122	9	asset	asset	NOUN
cjfa-12561	122	10	volatility	volatility	NOUN
cjfa-12561	122	11	models	model	NOUN
cjfa-12561	122	12	.	.	PUNCT
cjfa-12561	123	1	indicators	indicator	NOUN
cjfa-12561	123	2	have	have	VERB
cjfa-12561	123	3	the	the	DET
cjfa-12561	123	4	following	follow	VERB
cjfa-12561	123	5	form	form	NOUN
cjfa-12561	123	6	(	(	PUNCT
cjfa-12561	123	7	iwanicz	iwanicz	NOUN
cjfa-12561	123	8	-	-	PUNCT
cjfa-12561	123	9	drozdowska	drozdowska	NOUN
cjfa-12561	123	10	,	,	PUNCT
cjfa-12561	123	11	2012	2012	NUM
cjfa-12561	123	12	,	,	PUNCT
cjfa-12561	123	13	pp	pp	ADJ
cjfa-12561	123	14	.	.	PUNCT
cjfa-12561	124	1	252	252	NUM
cjfa-12561	124	2	-	-	SYM
cjfa-12561	124	3	253	253	NUM
cjfa-12561	124	4	):	):	PUNCT
cjfa-12561	124	5	�	�	PROPN
cjfa-12561	124	6	�	�	PROPN
cjfa-12561	124	7	�	�	PROPN
cjfa-12561	124	8	�	�	PROPN
cjfa-12561	124	9	�	�	PROPN
cjfa-12561	124	10	�	�	PROPN
cjfa-12561	124	11	�	�	PROPN
cjfa-12561	124	12	�	�	PROPN
cjfa-12561	124	13	�	�	PROPN
cjfa-12561	124	14	�	�	PROPN
cjfa-12561	124	15	�	�	PROPN
cjfa-12561	124	16	�	�	PROPN
cjfa-12561	124	17	�	�	PROPN
cjfa-12561	124	18	�	�	PROPN
cjfa-12561	124	19	�	�	PROPN
cjfa-12561	124	20	�	�	PROPN
cjfa-12561	124	21	�	�	PROPN
cjfa-12561	124	22	�	�	PROPN
cjfa-12561	124	23	�	�	PROPN
cjfa-12561	124	24	�	�	PROPN
cjfa-12561	124	25	�	�	PROPN
cjfa-12561	124	26	�	�	PROPN
cjfa-12561	124	27	�	�	PROPN
cjfa-12561	124	28	�	�	PROPN
cjfa-12561	124	29	�	�	PROPN
cjfa-12561	124	30	�	�	PROPN
cjfa-12561	124	31	�	�	PROPN
cjfa-12561	124	32	�	�	PROPN
cjfa-12561	124	33	(	(	PUNCT
cjfa-12561	124	34	7	7	NUM
cjfa-12561	124	35	)	)	PUNCT
cjfa-12561	124	36	�	�	PROPN
cjfa-12561	124	37	�	�	PROPN
cjfa-12561	124	38	�	�	PROPN
cjfa-12561	124	39	�	�	PROPN
cjfa-12561	124	40	�	�	PROPN
cjfa-12561	124	41	�	�	PROPN
cjfa-12561	124	42	�	�	PROPN
cjfa-12561	124	43	�	�	PROPN
cjfa-12561	124	44	�	�	PROPN
cjfa-12561	124	45	�	�	PROPN
cjfa-12561	124	46	�	�	PROPN
cjfa-12561	124	47	�	�	PROPN
cjfa-12561	124	48	�	�	PROPN
cjfa-12561	124	49	�	�	PROPN
cjfa-12561	124	50	�	�	PROPN
cjfa-12561	124	51	�	�	PROPN
cjfa-12561	124	52	�	�	PROPN
cjfa-12561	124	53	�	�	PROPN
cjfa-12561	124	54	�	�	PROPN
cjfa-12561	124	55	�	�	PROPN
cjfa-12561	124	56	�	�	PROPN
cjfa-12561	124	57	�	�	PROPN
cjfa-12561	124	58	�	�	PROPN
cjfa-12561	124	59	�	�	PROPN
cjfa-12561	124	60	�	�	PROPN
cjfa-12561	124	61	�	�	PROPN
cjfa-12561	124	62	�	�	PROPN
cjfa-12561	124	63	�	�	PROPN
cjfa-12561	124	64	�	�	PROPN
cjfa-12561	124	65	�	�	PROPN
cjfa-12561	124	66	�	�	PROPN
cjfa-12561	124	67	�	�	PROPN
cjfa-12561	124	68	�	�	PROPN
cjfa-12561	124	69	�	�	PROPN
cjfa-12561	124	70	�	�	PROPN
cjfa-12561	124	71	�	�	PROPN
cjfa-12561	124	72	�	�	PROPN
cjfa-12561	124	73	�	�	PROPN
cjfa-12561	124	74	�	�	PROPN
cjfa-12561	124	75	�	�	PROPN
cjfa-12561	124	76	�	�	PROPN
cjfa-12561	124	77	�	�	PROPN
cjfa-12561	124	78	(	(	PUNCT
cjfa-12561	124	79	8)	8)	NUM
cjfa-12561	124	80	based	base	VERB
cjfa-12561	124	81	on	on	ADP
cjfa-12561	124	82	the	the	DET
cjfa-12561	124	83	above	above	ADJ
cjfa-12561	124	84	information	information	NOUN
cjfa-12561	124	85	it	it	PRON
cjfa-12561	124	86	can	can	AUX
cjfa-12561	124	87	be	be	AUX
cjfa-12561	124	88	concluded	conclude	VERB
cjfa-12561	124	89	that	that	SCONJ
cjfa-12561	124	90	there	there	PRON
cjfa-12561	124	91	is	be	VERB
cjfa-12561	124	92	no	no	DET
cjfa-12561	124	93	single	single	ADJ
cjfa-12561	124	94	,	,	PUNCT
cjfa-12561	124	95	universal	universal	ADJ
cjfa-12561	124	96	formula	formula	NOUN
cjfa-12561	124	97	for	for	ADP
cjfa-12561	124	98	rorac	rorac	NOUN
cjfa-12561	124	99	or	or	CCONJ
cjfa-12561	124	100	raroc	raroc	NOUN
cjfa-12561	124	101	.	.	PUNCT
cjfa-12561	125	1	the	the	DET
cjfa-12561	125	2	outcome	outcome	NOUN
cjfa-12561	125	3	of	of	ADP
cjfa-12561	125	4	the	the	DET
cjfa-12561	125	5	research	research	NOUN
cjfa-12561	125	6	process	process	NOUN
cjfa-12561	125	7	and	and	CCONJ
cjfa-12561	125	8	conclusions	conclusion	NOUN
cjfa-12561	125	9	rorac	rorac	NOUN
cjfa-12561	125	10	indicators	indicator	NOUN
cjfa-12561	125	11	are	be	AUX
cjfa-12561	125	12	presented	present	VERB
cjfa-12561	125	13	in	in	ADP
cjfa-12561	125	14	table	table	NOUN
cjfa-12561	125	15	1	1	NUM
cjfa-12561	125	16	.	.	PUNCT
cjfa-12561	126	1	in	in	ADP
cjfa-12561	126	2	this	this	DET
cjfa-12561	126	3	case	case	NOUN
cjfa-12561	126	4	,	,	PUNCT
cjfa-12561	126	5	rorac	rorac	NOUN
cjfa-12561	126	6	has	have	AUX
cjfa-12561	126	7	been	be	AUX
cjfa-12561	126	8	calculated	calculate	VERB
cjfa-12561	126	9	as	as	ADP
cjfa-12561	126	10	the	the	DET
cjfa-12561	126	11	ratio	ratio	NOUN
cjfa-12561	126	12	between	between	ADP
cjfa-12561	126	13	the	the	DET
cjfa-12561	126	14	net	net	ADJ
cjfa-12561	126	15	profit	profit	NOUN
cjfa-12561	126	16	and	and	CCONJ
cjfa-12561	126	17	different	different	ADJ
cjfa-12561	126	18	heights	height	NOUN
cjfa-12561	126	19	of	of	ADP
cjfa-12561	126	20	capital	capital	NOUN
cjfa-12561	126	21	in	in	ADP
cjfa-12561	126	22	the	the	DET
cjfa-12561	126	23	9	9	NUM
cjfa-12561	126	24	largest	large	ADJ
cjfa-12561	126	25	credit	credit	NOUN
cjfa-12561	126	26	institutions	institution	NOUN
cjfa-12561	126	27	in	in	ADP
cjfa-12561	126	28	poland	poland	PROPN
cjfa-12561	126	29	in	in	ADP
cjfa-12561	126	30	terms	term	NOUN
cjfa-12561	126	31	of	of	ADP
cjfa-12561	126	32	assets	asset	NOUN
cjfa-12561	126	33	on	on	ADP
cjfa-12561	126	34	a	a	DET
cjfa-12561	126	35	consolidated	consolidated	ADJ
cjfa-12561	126	36	basis	basis	NOUN
cjfa-12561	126	37	.	.	PUNCT
cjfa-12561	127	1	in	in	ADP
cjfa-12561	127	2	all	all	DET
cjfa-12561	127	3	surveyed	survey	VERB
cjfa-12561	127	4	banks	bank	NOUN
cjfa-12561	127	5	can	can	AUX
cjfa-12561	127	6	be	be	AUX
cjfa-12561	127	7	observed	observe	VERB
cjfa-12561	127	8	decreasing	decrease	VERB
cjfa-12561	127	9	trend	trend	NOUN
cjfa-12561	127	10	of	of	ADP
cjfa-12561	127	11	rorac	rorac	NOUN
cjfa-12561	127	12	.	.	PUNCT
cjfa-12561	128	1	this	this	PRON
cjfa-12561	128	2	can	can	AUX
cjfa-12561	128	3	be	be	AUX
cjfa-12561	128	4	justified	justify	VERB
cjfa-12561	128	5	by	by	ADP
cjfa-12561	128	6	the	the	DET
cjfa-12561	128	7	new	new	ADJ
cjfa-12561	128	8	regulations	regulation	NOUN
cjfa-12561	128	9	,	,	PUNCT
cjfa-12561	128	10	i.e.	i.e.	X
cjfa-12561	128	11	basel	basel	PROPN
cjfa-12561	128	12	iii	iii	PROPN
cjfa-12561	128	13	,	,	PUNCT
cjfa-12561	128	14	and	and	CCONJ
cjfa-12561	128	15	the	the	DET
cjfa-12561	128	16	consequent	consequent	ADJ
cjfa-12561	128	17	need	need	NOUN
cjfa-12561	128	18	to	to	PART
cjfa-12561	128	19	increase	increase	VERB
cjfa-12561	128	20	the	the	DET
cjfa-12561	128	21	quantity	quantity	NOUN
cjfa-12561	128	22	and	and	CCONJ
cjfa-12561	128	23	quality	quality	NOUN
cjfa-12561	128	24	of	of	ADP
cjfa-12561	128	25	own	own	ADJ
cjfa-12561	128	26	funds	fund	NOUN
cjfa-12561	128	27	of	of	ADP
cjfa-12561	128	28	credit	credit	NOUN
cjfa-12561	128	29	institutions	institution	NOUN
cjfa-12561	128	30	,	,	PUNCT
cjfa-12561	128	31	and	and	CCONJ
cjfa-12561	128	32	fuller	full	ADJ
cjfa-12561	128	33	risks	risk	NOUN
cjfa-12561	128	34	coverage	coverage	NOUN
cjfa-12561	128	35	by	by	ADP
cjfa-12561	128	36	the	the	DET
cjfa-12561	128	37	own	own	ADJ
cjfa-12561	128	38	funds	fund	NOUN
cjfa-12561	128	39	.	.	PUNCT
cjfa-12561	129	1	furthermore	furthermore	ADV
cjfa-12561	129	2	as	as	ADP
cjfa-12561	129	3	a	a	DET
cjfa-12561	129	4	result	result	NOUN
cjfa-12561	129	5	of	of	ADP
cjfa-12561	129	6	these	these	DET
cjfa-12561	129	7	calculations	calculation	NOUN
cjfa-12561	129	8	can	can	AUX
cjfa-12561	129	9	be	be	AUX
cjfa-12561	129	10	observed	observe	VERB
cjfa-12561	129	11	how	how	SCONJ
cjfa-12561	129	12	competent	competent	ADJ
cjfa-12561	129	13	supervisory	supervisory	ADJ
cjfa-12561	129	14	authorities	authority	NOUN
cjfa-12561	129	15	may	may	AUX
cjfa-12561	129	16	affect	affect	VERB
cjfa-12561	129	17	the	the	DET
cjfa-12561	129	18	bank	bank	NOUN
cjfa-12561	129	19	's	's	PART
cjfa-12561	129	20	profitability	profitability	NOUN
cjfa-12561	129	21	adjusted	adjust	VERB
cjfa-12561	129	22	for	for	ADP
cjfa-12561	129	23	risk	risk	NOUN
cjfa-12561	129	24	.	.	PUNCT
cjfa-12561	130	1	in	in	ADP
cjfa-12561	130	2	order	order	NOUN
cjfa-12561	130	3	to	to	PART
cjfa-12561	130	4	fulfil	fulfil	VERB
cjfa-12561	130	5	these	these	DET
cjfa-12561	130	6	requirements	requirement	NOUN
cjfa-12561	130	7	and	and	CCONJ
cjfa-12561	130	8	maintain	maintain	VERB
cjfa-12561	130	9	profitability	profitability	NOUN
cjfa-12561	130	10	at	at	ADP
cjfa-12561	130	11	current	current	ADJ
cjfa-12561	130	12	levels	level	NOUN
cjfa-12561	130	13	,	,	PUNCT
cjfa-12561	130	14	credit	credit	NOUN
cjfa-12561	130	15	institutions	institution	NOUN
cjfa-12561	130	16	may	may	AUX
cjfa-12561	130	17	undertake	undertake	VERB
cjfa-12561	130	18	various	various	ADJ
cjfa-12561	130	19	activities	activity	NOUN
cjfa-12561	130	20	,	,	PUNCT
cjfa-12561	130	21	such	such	ADJ
cjfa-12561	130	22	as	as	ADP
cjfa-12561	130	23	increase	increase	NOUN
cjfa-12561	130	24	capital	capital	NOUN
cjfa-12561	130	25	by	by	ADP
cjfa-12561	130	26	issuing	issue	VERB
cjfa-12561	130	27	new	new	ADJ
cjfa-12561	130	28	shares	share	NOUN
cjfa-12561	130	29	,	,	PUNCT
cjfa-12561	130	30	plough	plough	NOUN
cjfa-12561	130	31	current	current	ADJ
cjfa-12561	130	32	profit	profit	NOUN
cjfa-12561	130	33	back	back	ADV
cjfa-12561	130	34	,	,	PUNCT
cjfa-12561	130	35	or	or	CCONJ
cjfa-12561	130	36	decrease	decrease	VERB
cjfa-12561	130	37	interest	interest	NOUN
cjfa-12561	130	38	rate	rate	NOUN
cjfa-12561	130	39	on	on	ADP
cjfa-12561	130	40	deposits	deposit	NOUN
cjfa-12561	130	41	.	.	PUNCT
cjfa-12561	131	1	while	while	SCONJ
cjfa-12561	131	2	on	on	ADP
cjfa-12561	131	3	the	the	DET
cjfa-12561	131	4	assets	asset	NOUN
cjfa-12561	131	5	side	side	NOUN
cjfa-12561	131	6	they	they	PRON
cjfa-12561	131	7	can	can	AUX
cjfa-12561	131	8	reduce	reduce	VERB
cjfa-12561	131	9	credits	credit	NOUN
cjfa-12561	131	10	and	and	CCONJ
cjfa-12561	131	11	loans	loan	NOUN
cjfa-12561	131	12	supply	supply	VERB
cjfa-12561	131	13	in	in	ADP
cjfa-12561	131	14	order	order	NOUN
cjfa-12561	131	15	to	to	PART
cjfa-12561	131	16	reduce	reduce	VERB
cjfa-12561	131	17	risk	risk	NOUN
cjfa-12561	131	18	-	-	PUNCT
cjfa-12561	131	19	weighted	weight	VERB
cjfa-12561	131	20	assets	asset	NOUN
cjfa-12561	131	21	and	and	CCONJ
cjfa-12561	131	22	accordingly	accordingly	ADV
cjfa-12561	131	23	capital	capital	NOUN
cjfa-12561	131	24	requirement	requirement	NOUN
cjfa-12561	131	25	,	,	PUNCT
cjfa-12561	131	26	as	as	ADV
cjfa-12561	131	27	well	well	ADV
cjfa-12561	131	28	as	as	ADP
cjfa-12561	131	29	rise	rise	VERB
cjfa-12561	131	30	lending	lending	NOUN
cjfa-12561	131	31	rates	rate	NOUN
cjfa-12561	131	32	.	.	PUNCT
cjfa-12561	132	1	ad	ad	NOUN
cjfa-12561	132	2	(	(	PUNCT
cjfa-12561	132	3	5	5	NUM
cjfa-12561	132	4	)	)	PUNCT
cjfa-12561	132	5	(	(	PUNCT
cjfa-12561	132	6	6	6	NUM
cjfa-12561	132	7	)	)	PUNCT
cjfa-12561	132	8	a	a	DET
cjfa-12561	132	9	combination	combination	NOUN
cjfa-12561	132	10	of	of	ADP
cjfa-12561	132	11	raroc	raroc	NOUN
cjfa-12561	132	12	and	and	CCONJ
cjfa-12561	132	13	rorac	rorac	NOUN
cjfa-12561	132	14	is	be	AUX
cjfa-12561	132	15	a	a	DET
cjfa-12561	132	16	risk	risk	NOUN
cjfa-12561	132	17	-	-	PUNCT
cjfa-12561	132	18	adjusted	adjust	VERB
cjfa-12561	132	19	return	return	NOUN
cjfa-12561	132	20	on	on	ADP
cjfa-12561	132	21	risk	risk	NOUN
cjfa-12561	132	22	adjusted	adjust	VERB
cjfa-12561	132	23	capital	capital	NOUN
cjfa-12561	132	24	(	(	PUNCT
cjfa-12561	132	25	rarorac	rarorac	PROPN
cjfa-12561	132	26	)	)	PUNCT
cjfa-12561	132	27	(	(	PUNCT
cjfa-12561	132	28	kałużny	kałużny	NOUN
cjfa-12561	132	29	,	,	PUNCT
cjfa-12561	132	30	2012	2012	NUM
cjfa-12561	132	31	,	,	PUNCT
cjfa-12561	132	32	p.	p.	NOUN
cjfa-12561	132	33	238	238	NUM
cjfa-12561	132	34	):	):	PUNCT
cjfa-12561	132	35	�	�	PROPN
cjfa-12561	132	36	�	�	PROPN
cjfa-12561	132	37	�	�	PROPN
cjfa-12561	132	38	�	�	PROPN
cjfa-12561	132	39	�	�	PROPN
cjfa-12561	132	40	�	�	PROPN
cjfa-12561	132	41	�	�	PROPN
cjfa-12561	132	42	�	�	PROPN
cjfa-12561	132	43	�	�	PROPN
cjfa-12561	132	44	�	�	PROPN
cjfa-12561	132	45	�	�	PROPN
cjfa-12561	132	46	�	�	PROPN
cjfa-12561	132	47	�	�	PROPN
cjfa-12561	132	48	�	�	PROPN
cjfa-12561	132	49	�	�	PROPN
cjfa-12561	132	50	�	�	PROPN
cjfa-12561	132	51	�	�	PROPN
cjfa-12561	132	52	�	�	PROPN
cjfa-12561	132	53	�	�	PROPN
cjfa-12561	132	54	�	�	PROPN
cjfa-12561	132	55	�	�	PROPN
cjfa-12561	132	56	�	�	PROPN
cjfa-12561	132	57	�	�	PROPN
cjfa-12561	132	58	�	�	PROPN
cjfa-12561	132	59	�	�	PROPN
cjfa-12561	132	60	�	�	PROPN
cjfa-12561	132	61	�	�	PROPN
cjfa-12561	132	62	�	�	PROPN
cjfa-12561	132	63	�	�	PROPN
cjfa-12561	132	64	�	�	PROPN
cjfa-12561	132	65	�	�	PROPN
cjfa-12561	132	66	�	�	PROPN
cjfa-12561	132	67	�	�	PROPN
cjfa-12561	132	68	�	�	PROPN
cjfa-12561	132	69	�	�	PROPN
cjfa-12561	132	70	�	�	PROPN
cjfa-12561	132	71	�	�	PROPN
cjfa-12561	132	72	�	�	PROPN
cjfa-12561	132	73	�	�	PROPN
cjfa-12561	132	74	�	�	PROPN
cjfa-12561	132	75	�	�	PROPN
cjfa-12561	132	76	�	�	PROPN
cjfa-12561	132	77	�	�	PROPN
cjfa-12561	132	78	�	�	PROPN
cjfa-12561	132	79	�	�	PROPN
cjfa-12561	132	80	�	�	PROPN
cjfa-12561	132	81	�	�	PROPN
cjfa-12561	132	82	∗	∗	VERB
cjfa-12561	132	83	100	100	NUM
cjfa-12561	132	84	%	%	NOUN
cjfa-12561	132	85	(	(	PUNCT
cjfa-12561	132	86	4	4	NUM
cjfa-12561	132	87	)	)	PUNCT
cjfa-12561	132	88	another	another	DET
cjfa-12561	132	89	approach	approach	NOUN
cjfa-12561	132	90	to	to	ADP
cjfa-12561	132	91	measuring	measure	VERB
cjfa-12561	132	92	the	the	DET
cjfa-12561	132	93	effectiveness	effectiveness	NOUN
cjfa-12561	132	94	and	and	CCONJ
cjfa-12561	132	95	risks	risk	NOUN
cjfa-12561	132	96	which	which	PRON
cjfa-12561	132	97	occurs	occur	VERB
cjfa-12561	132	98	in	in	ADP
cjfa-12561	132	99	the	the	DET
cjfa-12561	132	100	literature	literature	NOUN
cjfa-12561	132	101	,	,	PUNCT
cjfa-12561	132	102	are	be	AUX
cjfa-12561	132	103	top	top	ADJ
cjfa-12561	132	104	-	-	PUNCT
cjfa-12561	132	105	down	down	NOUN
cjfa-12561	132	106	and	and	CCONJ
cjfa-12561	132	107	bottom	bottom	ADJ
cjfa-12561	132	108	-	-	PUNCT
cjfa-12561	132	109	up	up	ADP
cjfa-12561	132	110	models	model	NOUN
cjfa-12561	132	111	(	(	PUNCT
cjfa-12561	132	112	iwanicz	iwanicz	NOUN
cjfa-12561	132	113	-	-	PUNCT
cjfa-12561	132	114	drozdowska	drozdowska	NOUN
cjfa-12561	132	115	,	,	PUNCT
cjfa-12561	132	116	2012	2012	NUM
cjfa-12561	132	117	,	,	PUNCT
cjfa-12561	132	118	pp	pp	ADJ
cjfa-12561	132	119	.	.	PUNCT
cjfa-12561	132	120	247	247	NUM
cjfa-12561	132	121	,	,	PUNCT
cjfa-12561	132	122	252	252	NUM
cjfa-12561	132	123	)	)	PUNCT
cjfa-12561	132	124	.	.	PUNCT
cjfa-12561	133	1	top	top	ADJ
cjfa-12561	133	2	-	-	PUNCT
cjfa-12561	133	3	down	down	ADP
cjfa-12561	133	4	models	model	NOUN
cjfa-12561	133	5	assume	assume	VERB
cjfa-12561	133	6	allocation	allocation	NOUN
cjfa-12561	133	7	of	of	ADP
cjfa-12561	133	8	economic	economic	ADJ
cjfa-12561	133	9	or	or	CCONJ
cjfa-12561	133	10	regulatory	regulatory	ADJ
cjfa-12561	133	11	capital	capital	NOUN
cjfa-12561	133	12	.	.	PUNCT
cjfa-12561	134	1	these	these	DET
cjfa-12561	134	2	models	model	NOUN
cjfa-12561	134	3	are	be	AUX
cjfa-12561	134	4	also	also	ADV
cjfa-12561	134	5	called	call	VERB
cjfa-12561	134	6	earnings	earning	NOUN
cjfa-12561	134	7	volatility	volatility	NOUN
cjfa-12561	134	8	models	model	NOUN
cjfa-12561	134	9	,	,	PUNCT
cjfa-12561	134	10	because	because	SCONJ
cjfa-12561	134	11	they	they	PRON
cjfa-12561	134	12	use	use	VERB
cjfa-12561	134	13	earnings	earning	NOUN
cjfa-12561	134	14	at	at	ADP
cjfa-12561	134	15	risk	risk	NOUN
cjfa-12561	134	16	.	.	PUNCT
cjfa-12561	135	1	2	2	NUM
cjfa-12561	135	2	basic	basic	ADJ
cjfa-12561	135	3	models	model	NOUN
cjfa-12561	135	4	can	can	AUX
cjfa-12561	135	5	be	be	AUX
cjfa-12561	135	6	extracted	extract	VERB
cjfa-12561	135	7	(	(	PUNCT
cjfa-12561	135	8	iwanicz	iwanicz	NOUN
cjfa-12561	135	9	-	-	PUNCT
cjfa-12561	135	10	drozdowska	drozdowska	NOUN
cjfa-12561	135	11	,	,	PUNCT
cjfa-12561	135	12	2012	2012	NUM
cjfa-12561	135	13	,	,	PUNCT
cjfa-12561	135	14	p.	p.	NOUN
cjfa-12561	135	15	247	247	NUM
cjfa-12561	135	16	):	):	PUNCT
cjfa-12561	135	17	�	�	PROPN
cjfa-12561	135	18	�	�	PROPN
cjfa-12561	135	19	�	�	PROPN
cjfa-12561	135	20	�	�	PROPN
cjfa-12561	135	21	�	�	PROPN
cjfa-12561	135	22	�	�	PROPN
cjfa-12561	135	23	�	�	PROPN
cjfa-12561	135	24	�	�	PROPN
cjfa-12561	135	25	�	�	PROPN
cjfa-12561	135	26	�	�	PROPN
cjfa-12561	135	27	�	�	PROPN
cjfa-12561	135	28	�	�	PROPN
cjfa-12561	135	29	�	�	PROPN
cjfa-12561	135	30	�	�	PROPN
cjfa-12561	135	31	�	�	PROPN
cjfa-12561	135	32	�	�	PROPN
cjfa-12561	135	33	�	�	PROPN
cjfa-12561	135	34	�	�	PROPN
cjfa-12561	135	35	�	�	PROPN
cjfa-12561	135	36	�	�	PROPN
cjfa-12561	135	37	�	�	PROPN
cjfa-12561	135	38	�	�	PROPN
cjfa-12561	135	39	�	�	PROPN
cjfa-12561	135	40	�	�	PROPN
cjfa-12561	135	41	�	�	PROPN
cjfa-12561	135	42	�	�	PROPN
cjfa-12561	135	43	�	�	PROPN
cjfa-12561	135	44	�	�	PROPN
cjfa-12561	135	45	�	�	PROPN
cjfa-12561	135	46	�	�	PROPN
cjfa-12561	135	47	�	�	PROPN
cjfa-12561	135	48	�	�	PROPN
cjfa-12561	135	49	�	�	PROPN
cjfa-12561	135	50	�	�	PROPN
cjfa-12561	135	51	∗	∗	NOUN
cjfa-12561	135	52	�	�	PROPN
cjfa-12561	135	53	�	�	PROPN
cjfa-12561	135	54	�	�	PROPN
cjfa-12561	135	55	�	�	PROPN
cjfa-12561	135	56	�	�	PROPN
cjfa-12561	135	57	�	�	PROPN
cjfa-12561	135	58	�	�	PROPN
cjfa-12561	135	59	�	�	PROPN
cjfa-12561	135	60	�	�	PROPN
cjfa-12561	135	61	�	�	PROPN
cjfa-12561	135	62	�	�	PROPN
cjfa-12561	135	63	�	�	PROPN
cjfa-12561	135	64	�	�	PROPN
cjfa-12561	135	65	�	�	PROPN
cjfa-12561	135	66	�	�	PROPN
cjfa-12561	135	67	�	�	PROPN
cjfa-12561	135	68	�	�	PROPN
cjfa-12561	135	69	�	�	PROPN
cjfa-12561	135	70	�	�	PROPN
cjfa-12561	135	71	�	�	PROPN
cjfa-12561	135	72	�	�	PROPN
cjfa-12561	135	73	�	�	PROPN
cjfa-12561	135	74	�	�	PROPN
cjfa-12561	135	75	�	�	PROPN
cjfa-12561	135	76	�	�	PROPN
cjfa-12561	135	77	�	�	PROPN
cjfa-12561	135	78	�	�	PROPN
cjfa-12561	135	79	�	�	PROPN
cjfa-12561	135	80	�	�	PROPN
cjfa-12561	135	81	�	�	PROPN
cjfa-12561	135	82	�	�	PROPN
cjfa-12561	135	83	�	�	PROPN
cjfa-12561	135	84	�	�	PROPN
cjfa-12561	135	85	�	�	PROPN
cjfa-12561	135	86	∗	∗	VERB
cjfa-12561	135	87	100	100	NUM
cjfa-12561	135	88	%	%	NOUN
cjfa-12561	135	89	(	(	PUNCT
cjfa-12561	135	90	5	5	NUM
cjfa-12561	135	91	)	)	PUNCT
cjfa-12561	135	92	�	�	PROPN
cjfa-12561	135	93	�	�	PROPN
cjfa-12561	135	94	�	�	PROPN
cjfa-12561	135	95	�	�	PROPN
cjfa-12561	135	96	�	�	PROPN
cjfa-12561	135	97	�	�	PROPN
cjfa-12561	135	98	�	�	PROPN
cjfa-12561	135	99	�	�	PROPN
cjfa-12561	135	100	�	�	PROPN
cjfa-12561	135	101	�	�	PROPN
cjfa-12561	135	102	�	�	PROPN
cjfa-12561	135	103	�	�	PROPN
cjfa-12561	135	104	�	�	PROPN
cjfa-12561	135	105	�	�	PROPN
cjfa-12561	135	106	�	�	PROPN
cjfa-12561	135	107	�	�	PROPN
cjfa-12561	135	108	�	�	PROPN
cjfa-12561	135	109	�	�	PROPN
cjfa-12561	135	110	�	�	PROPN
cjfa-12561	135	111	�	�	PROPN
cjfa-12561	135	112	�	�	PROPN
cjfa-12561	135	113	�	�	PROPN
cjfa-12561	135	114	�	�	PROPN
cjfa-12561	135	115	�	�	PROPN
cjfa-12561	135	116	�	�	PROPN
cjfa-12561	135	117	�	�	PROPN
cjfa-12561	135	118	�	�	PROPN
cjfa-12561	135	119	�	�	PROPN
cjfa-12561	135	120	�	�	PROPN
cjfa-12561	135	121	�	�	PROPN
cjfa-12561	135	122	�	�	PROPN
cjfa-12561	135	123	�	�	PROPN
cjfa-12561	135	124	�	�	PROPN
cjfa-12561	135	125	�	�	PROPN
cjfa-12561	135	126	�	�	PROPN
cjfa-12561	135	127	�	�	PROPN
cjfa-12561	135	128	�	�	PROPN
cjfa-12561	135	129	�	�	PROPN
cjfa-12561	135	130	�	�	PROPN
cjfa-12561	135	131	�	�	PROPN
cjfa-12561	135	132	�	�	PROPN
cjfa-12561	135	133	�	�	PROPN
cjfa-12561	135	134	�	�	PROPN
cjfa-12561	135	135	�	�	PROPN
cjfa-12561	135	136	�	�	PROPN
cjfa-12561	135	137	�	�	PROPN
cjfa-12561	135	138	�	�	PROPN
cjfa-12561	135	139	�	�	PROPN
cjfa-12561	135	140	�	�	PROPN
cjfa-12561	135	141	�	�	PROPN
cjfa-12561	135	142	�	�	PROPN
cjfa-12561	135	143	�	�	PROPN
cjfa-12561	135	144	�	�	PROPN
cjfa-12561	135	145	�	�	PROPN
cjfa-12561	135	146	�	�	PROPN
cjfa-12561	135	147	�	�	PROPN
cjfa-12561	135	148	�	�	PROPN
cjfa-12561	135	149	�	�	PROPN
cjfa-12561	135	150	�	�	PROPN
cjfa-12561	135	151	�	�	PROPN
cjfa-12561	135	152	�	�	PROPN
cjfa-12561	135	153	∗	∗	VERB
cjfa-12561	135	154	100	100	NUM
cjfa-12561	135	155	%	%	NOUN
cjfa-12561	135	156	(	(	PUNCT
cjfa-12561	135	157	6	6	NUM
cjfa-12561	135	158	)	)	PUNCT
cjfa-12561	135	159	in	in	ADP
cjfa-12561	135	160	the	the	DET
cjfa-12561	135	161	bottom	bottom	ADJ
cjfa-12561	135	162	-	-	PUNCT
cjfa-12561	135	163	up	up	ADP
cjfa-12561	135	164	models	model	NOUN
cjfa-12561	135	165	for	for	ADP
cjfa-12561	135	166	calculation	calculation	NOUN
cjfa-12561	135	167	of	of	ADP
cjfa-12561	135	168	economic	economic	ADJ
cjfa-12561	135	169	capital	capital	NOUN
cjfa-12561	135	170	is	be	AUX
cjfa-12561	135	171	used	use	VERB
cjfa-12561	135	172	value	value	NOUN
cjfa-12561	135	173	at	at	ADP
cjfa-12561	135	174	risk	risk	NOUN
cjfa-12561	135	175	.	.	PUNCT
cjfa-12561	136	1	these	these	DET
cjfa-12561	136	2	type	type	NOUN
cjfa-12561	136	3	of	of	ADP
cjfa-12561	136	4	models	model	NOUN
cjfa-12561	136	5	are	be	AUX
cjfa-12561	136	6	also	also	ADV
cjfa-12561	136	7	known	know	VERB
cjfa-12561	136	8	as	as	ADP
cjfa-12561	136	9	asset	asset	NOUN
cjfa-12561	136	10	volatility	volatility	NOUN
cjfa-12561	136	11	models	model	NOUN
cjfa-12561	136	12	.	.	PUNCT
cjfa-12561	137	1	indicators	indicator	NOUN
cjfa-12561	137	2	have	have	VERB
cjfa-12561	137	3	the	the	DET
cjfa-12561	137	4	following	follow	VERB
cjfa-12561	137	5	form	form	NOUN
cjfa-12561	137	6	(	(	PUNCT
cjfa-12561	137	7	iwanicz	iwanicz	NOUN
cjfa-12561	137	8	-	-	PUNCT
cjfa-12561	137	9	drozdowska	drozdowska	NOUN
cjfa-12561	137	10	,	,	PUNCT
cjfa-12561	137	11	2012	2012	NUM
cjfa-12561	137	12	,	,	PUNCT
cjfa-12561	137	13	pp	pp	ADJ
cjfa-12561	137	14	.	.	PUNCT
cjfa-12561	138	1	252	252	NUM
cjfa-12561	138	2	-	-	SYM
cjfa-12561	138	3	253	253	NUM
cjfa-12561	138	4	):	):	PUNCT
cjfa-12561	138	5	�	�	PROPN
cjfa-12561	138	6	�	�	PROPN
cjfa-12561	138	7	�	�	PROPN
cjfa-12561	138	8	�	�	PROPN
cjfa-12561	138	9	�	�	PROPN
cjfa-12561	138	10	�	�	PROPN
cjfa-12561	138	11	�	�	PROPN
cjfa-12561	138	12	�	�	PROPN
cjfa-12561	138	13	�	�	PROPN
cjfa-12561	138	14	�	�	PROPN
cjfa-12561	138	15	�	�	PROPN
cjfa-12561	138	16	�	�	PROPN
cjfa-12561	138	17	�	�	PROPN
cjfa-12561	138	18	�	�	PROPN
cjfa-12561	138	19	�	�	PROPN
cjfa-12561	138	20	�	�	PROPN
cjfa-12561	138	21	�	�	PROPN
cjfa-12561	138	22	�	�	PROPN
cjfa-12561	138	23	�	�	PROPN
cjfa-12561	138	24	�	�	PROPN
cjfa-12561	138	25	�	�	PROPN
cjfa-12561	138	26	�	�	PROPN
cjfa-12561	138	27	�	�	PROPN
cjfa-12561	138	28	�	�	PROPN
cjfa-12561	138	29	�	�	PROPN
cjfa-12561	138	30	�	�	PROPN
cjfa-12561	138	31	�	�	PROPN
cjfa-12561	138	32	�	�	PROPN
cjfa-12561	138	33	(	(	PUNCT
cjfa-12561	138	34	7	7	NUM
cjfa-12561	138	35	)	)	PUNCT
cjfa-12561	138	36	�	�	PROPN
cjfa-12561	138	37	�	�	PROPN
cjfa-12561	138	38	�	�	PROPN
cjfa-12561	138	39	�	�	PROPN
cjfa-12561	138	40	�	�	PROPN
cjfa-12561	138	41	�	�	PROPN
cjfa-12561	138	42	�	�	PROPN
cjfa-12561	138	43	�	�	PROPN
cjfa-12561	138	44	�	�	PROPN
cjfa-12561	138	45	�	�	PROPN
cjfa-12561	138	46	�	�	PROPN
cjfa-12561	138	47	�	�	PROPN
cjfa-12561	138	48	�	�	PROPN
cjfa-12561	138	49	�	�	PROPN
cjfa-12561	138	50	�	�	PROPN
cjfa-12561	138	51	�	�	PROPN
cjfa-12561	138	52	�	�	PROPN
cjfa-12561	138	53	�	�	PROPN
cjfa-12561	138	54	�	�	PROPN
cjfa-12561	138	55	�	�	PROPN
cjfa-12561	138	56	�	�	PROPN
cjfa-12561	138	57	�	�	PROPN
cjfa-12561	138	58	�	�	PROPN
cjfa-12561	138	59	�	�	PROPN
cjfa-12561	138	60	�	�	PROPN
cjfa-12561	138	61	�	�	PROPN
cjfa-12561	138	62	�	�	PROPN
cjfa-12561	138	63	�	�	PROPN
cjfa-12561	138	64	�	�	PROPN
cjfa-12561	138	65	�	�	PROPN
cjfa-12561	138	66	�	�	PROPN
cjfa-12561	138	67	�	�	PROPN
cjfa-12561	138	68	�	�	PROPN
cjfa-12561	138	69	�	�	PROPN
cjfa-12561	138	70	�	�	PROPN
cjfa-12561	138	71	�	�	PROPN
cjfa-12561	138	72	�	�	PROPN
cjfa-12561	138	73	�	�	PROPN
cjfa-12561	138	74	�	�	PROPN
cjfa-12561	138	75	�	�	PROPN
cjfa-12561	138	76	�	�	PROPN
cjfa-12561	138	77	�	�	PROPN
cjfa-12561	138	78	(	(	PUNCT
cjfa-12561	138	79	8)	8)	NUM
cjfa-12561	138	80	based	base	VERB
cjfa-12561	138	81	on	on	ADP
cjfa-12561	138	82	the	the	DET
cjfa-12561	138	83	above	above	ADJ
cjfa-12561	138	84	information	information	NOUN
cjfa-12561	138	85	it	it	PRON
cjfa-12561	138	86	can	can	AUX
cjfa-12561	138	87	be	be	AUX
cjfa-12561	138	88	concluded	conclude	VERB
cjfa-12561	138	89	that	that	SCONJ
cjfa-12561	138	90	there	there	PRON
cjfa-12561	138	91	is	be	VERB
cjfa-12561	138	92	no	no	DET
cjfa-12561	138	93	single	single	ADJ
cjfa-12561	138	94	,	,	PUNCT
cjfa-12561	138	95	universal	universal	ADJ
cjfa-12561	138	96	formula	formula	NOUN
cjfa-12561	138	97	for	for	ADP
cjfa-12561	138	98	rorac	rorac	NOUN
cjfa-12561	138	99	or	or	CCONJ
cjfa-12561	138	100	raroc	raroc	NOUN
cjfa-12561	138	101	.	.	PUNCT
cjfa-12561	139	1	the	the	DET
cjfa-12561	139	2	outcome	outcome	NOUN
cjfa-12561	139	3	of	of	ADP
cjfa-12561	139	4	the	the	DET
cjfa-12561	139	5	research	research	NOUN
cjfa-12561	139	6	process	process	NOUN
cjfa-12561	139	7	and	and	CCONJ
cjfa-12561	139	8	conclusions	conclusion	NOUN
cjfa-12561	139	9	rorac	rorac	NOUN
cjfa-12561	139	10	indicators	indicator	NOUN
cjfa-12561	139	11	are	be	AUX
cjfa-12561	139	12	presented	present	VERB
cjfa-12561	139	13	in	in	ADP
cjfa-12561	139	14	table	table	NOUN
cjfa-12561	139	15	1	1	NUM
cjfa-12561	139	16	.	.	PUNCT
cjfa-12561	140	1	in	in	ADP
cjfa-12561	140	2	this	this	DET
cjfa-12561	140	3	case	case	NOUN
cjfa-12561	140	4	,	,	PUNCT
cjfa-12561	140	5	rorac	rorac	NOUN
cjfa-12561	140	6	has	have	AUX
cjfa-12561	140	7	been	be	AUX
cjfa-12561	140	8	calculated	calculate	VERB
cjfa-12561	140	9	as	as	ADP
cjfa-12561	140	10	the	the	DET
cjfa-12561	140	11	ratio	ratio	NOUN
cjfa-12561	140	12	between	between	ADP
cjfa-12561	140	13	the	the	DET
cjfa-12561	140	14	net	net	ADJ
cjfa-12561	140	15	profit	profit	NOUN
cjfa-12561	140	16	and	and	CCONJ
cjfa-12561	140	17	different	different	ADJ
cjfa-12561	140	18	heights	height	NOUN
cjfa-12561	140	19	of	of	ADP
cjfa-12561	140	20	capital	capital	NOUN
cjfa-12561	140	21	in	in	ADP
cjfa-12561	140	22	the	the	DET
cjfa-12561	140	23	9	9	NUM
cjfa-12561	140	24	largest	large	ADJ
cjfa-12561	140	25	credit	credit	NOUN
cjfa-12561	140	26	institutions	institution	NOUN
cjfa-12561	140	27	in	in	ADP
cjfa-12561	140	28	poland	poland	PROPN
cjfa-12561	140	29	in	in	ADP
cjfa-12561	140	30	terms	term	NOUN
cjfa-12561	140	31	of	of	ADP
cjfa-12561	140	32	assets	asset	NOUN
cjfa-12561	140	33	on	on	ADP
cjfa-12561	140	34	a	a	DET
cjfa-12561	140	35	consolidated	consolidated	ADJ
cjfa-12561	140	36	basis	basis	NOUN
cjfa-12561	140	37	.	.	PUNCT
cjfa-12561	141	1	in	in	ADP
cjfa-12561	141	2	all	all	DET
cjfa-12561	141	3	surveyed	survey	VERB
cjfa-12561	141	4	banks	bank	NOUN
cjfa-12561	141	5	can	can	AUX
cjfa-12561	141	6	be	be	AUX
cjfa-12561	141	7	observed	observe	VERB
cjfa-12561	141	8	decreasing	decrease	VERB
cjfa-12561	141	9	trend	trend	NOUN
cjfa-12561	141	10	of	of	ADP
cjfa-12561	141	11	rorac	rorac	NOUN
cjfa-12561	141	12	.	.	PUNCT
cjfa-12561	142	1	this	this	PRON
cjfa-12561	142	2	can	can	AUX
cjfa-12561	142	3	be	be	AUX
cjfa-12561	142	4	justified	justify	VERB
cjfa-12561	142	5	by	by	ADP
cjfa-12561	142	6	the	the	DET
cjfa-12561	142	7	new	new	ADJ
cjfa-12561	142	8	regulations	regulation	NOUN
cjfa-12561	142	9	,	,	PUNCT
cjfa-12561	142	10	i.e.	i.e.	X
cjfa-12561	142	11	basel	basel	PROPN
cjfa-12561	142	12	iii	iii	PROPN
cjfa-12561	142	13	,	,	PUNCT
cjfa-12561	142	14	and	and	CCONJ
cjfa-12561	142	15	the	the	DET
cjfa-12561	142	16	consequent	consequent	ADJ
cjfa-12561	142	17	need	need	NOUN
cjfa-12561	142	18	to	to	PART
cjfa-12561	142	19	increase	increase	VERB
cjfa-12561	142	20	the	the	DET
cjfa-12561	142	21	quantity	quantity	NOUN
cjfa-12561	142	22	and	and	CCONJ
cjfa-12561	142	23	quality	quality	NOUN
cjfa-12561	142	24	of	of	ADP
cjfa-12561	142	25	own	own	ADJ
cjfa-12561	142	26	funds	fund	NOUN
cjfa-12561	142	27	of	of	ADP
cjfa-12561	142	28	credit	credit	NOUN
cjfa-12561	142	29	institutions	institution	NOUN
cjfa-12561	142	30	,	,	PUNCT
cjfa-12561	142	31	and	and	CCONJ
cjfa-12561	142	32	fuller	full	ADJ
cjfa-12561	142	33	risks	risk	NOUN
cjfa-12561	142	34	coverage	coverage	NOUN
cjfa-12561	142	35	by	by	ADP
cjfa-12561	142	36	the	the	DET
cjfa-12561	142	37	own	own	ADJ
cjfa-12561	142	38	funds	fund	NOUN
cjfa-12561	142	39	.	.	PUNCT
cjfa-12561	143	1	furthermore	furthermore	ADV
cjfa-12561	143	2	as	as	ADP
cjfa-12561	143	3	a	a	DET
cjfa-12561	143	4	result	result	NOUN
cjfa-12561	143	5	of	of	ADP
cjfa-12561	143	6	these	these	DET
cjfa-12561	143	7	calculations	calculation	NOUN
cjfa-12561	143	8	can	can	AUX
cjfa-12561	143	9	be	be	AUX
cjfa-12561	143	10	observed	observe	VERB
cjfa-12561	143	11	how	how	SCONJ
cjfa-12561	143	12	competent	competent	ADJ
cjfa-12561	143	13	supervisory	supervisory	ADJ
cjfa-12561	143	14	authorities	authority	NOUN
cjfa-12561	143	15	may	may	AUX
cjfa-12561	143	16	affect	affect	VERB
cjfa-12561	143	17	the	the	DET
cjfa-12561	143	18	bank	bank	NOUN
cjfa-12561	143	19	's	's	PART
cjfa-12561	143	20	profitability	profitability	NOUN
cjfa-12561	143	21	adjusted	adjust	VERB
cjfa-12561	143	22	for	for	ADP
cjfa-12561	143	23	risk	risk	NOUN
cjfa-12561	143	24	.	.	PUNCT
cjfa-12561	144	1	in	in	ADP
cjfa-12561	144	2	order	order	NOUN
cjfa-12561	144	3	to	to	PART
cjfa-12561	144	4	fulfil	fulfil	VERB
cjfa-12561	144	5	these	these	DET
cjfa-12561	144	6	requirements	requirement	NOUN
cjfa-12561	144	7	and	and	CCONJ
cjfa-12561	144	8	maintain	maintain	VERB
cjfa-12561	144	9	profitability	profitability	NOUN
cjfa-12561	144	10	at	at	ADP
cjfa-12561	144	11	current	current	ADJ
cjfa-12561	144	12	levels	level	NOUN
cjfa-12561	144	13	,	,	PUNCT
cjfa-12561	144	14	credit	credit	NOUN
cjfa-12561	144	15	institutions	institution	NOUN
cjfa-12561	144	16	may	may	AUX
cjfa-12561	144	17	undertake	undertake	VERB
cjfa-12561	144	18	various	various	ADJ
cjfa-12561	144	19	activities	activity	NOUN
cjfa-12561	144	20	,	,	PUNCT
cjfa-12561	144	21	such	such	ADJ
cjfa-12561	144	22	as	as	ADP
cjfa-12561	144	23	increase	increase	NOUN
cjfa-12561	144	24	capital	capital	NOUN
cjfa-12561	144	25	by	by	ADP
cjfa-12561	144	26	issuing	issue	VERB
cjfa-12561	144	27	new	new	ADJ
cjfa-12561	144	28	shares	share	NOUN
cjfa-12561	144	29	,	,	PUNCT
cjfa-12561	144	30	plough	plough	NOUN
cjfa-12561	144	31	current	current	ADJ
cjfa-12561	144	32	profit	profit	NOUN
cjfa-12561	144	33	back	back	ADV
cjfa-12561	144	34	,	,	PUNCT
cjfa-12561	144	35	or	or	CCONJ
cjfa-12561	144	36	decrease	decrease	VERB
cjfa-12561	144	37	interest	interest	NOUN
cjfa-12561	144	38	rate	rate	NOUN
cjfa-12561	144	39	on	on	ADP
cjfa-12561	144	40	deposits	deposit	NOUN
cjfa-12561	144	41	.	.	PUNCT
cjfa-12561	145	1	while	while	SCONJ
cjfa-12561	145	2	on	on	ADP
cjfa-12561	145	3	the	the	DET
cjfa-12561	145	4	assets	asset	NOUN
cjfa-12561	145	5	side	side	NOUN
cjfa-12561	145	6	they	they	PRON
cjfa-12561	145	7	can	can	AUX
cjfa-12561	145	8	reduce	reduce	VERB
cjfa-12561	145	9	credits	credit	NOUN
cjfa-12561	145	10	and	and	CCONJ
cjfa-12561	145	11	loans	loan	NOUN
cjfa-12561	145	12	supply	supply	VERB
cjfa-12561	145	13	in	in	ADP
cjfa-12561	145	14	order	order	NOUN
cjfa-12561	145	15	to	to	PART
cjfa-12561	145	16	reduce	reduce	VERB
cjfa-12561	145	17	risk	risk	NOUN
cjfa-12561	145	18	-	-	PUNCT
cjfa-12561	145	19	weighted	weight	VERB
cjfa-12561	145	20	assets	asset	NOUN
cjfa-12561	145	21	and	and	CCONJ
cjfa-12561	145	22	accordingly	accordingly	ADV
cjfa-12561	145	23	capital	capital	NOUN
cjfa-12561	145	24	requirement	requirement	NOUN
cjfa-12561	145	25	,	,	PUNCT
cjfa-12561	145	26	as	as	ADV
cjfa-12561	145	27	well	well	ADV
cjfa-12561	145	28	as	as	ADP
cjfa-12561	145	29	rise	rise	VERB
cjfa-12561	145	30	lending	lending	NOUN
cjfa-12561	145	31	rates	rate	NOUN
cjfa-12561	145	32	.	.	PUNCT
cjfa-12561	146	1	ad	ad	NOUN
cjfa-12561	146	2	.	.	PUNCT
cjfa-12561	147	1	in	in	ADP
cjfa-12561	147	2	the	the	DET
cjfa-12561	147	3	bottom	bottom	ADJ
cjfa-12561	147	4	-	-	PUNCT
cjfa-12561	147	5	up	up	ADP
cjfa-12561	147	6	models	model	NOUN
cjfa-12561	147	7	for	for	ADP
cjfa-12561	147	8	calculation	calculation	NOUN
cjfa-12561	147	9	of	of	ADP
cjfa-12561	147	10	economic	economic	ADJ
cjfa-12561	147	11	capital	capital	NOUN
cjfa-12561	147	12	is	be	AUX
cjfa-12561	147	13	used	use	VERB
cjfa-12561	147	14	value	value	NOUN
cjfa-12561	147	15	at	at	ADP
cjfa-12561	147	16	risk	risk	NOUN
cjfa-12561	147	17	.	.	PUNCT
cjfa-12561	148	1	these	these	DET
cjfa-12561	148	2	type	type	NOUN
cjfa-12561	148	3	of	of	ADP
cjfa-12561	148	4	models	model	NOUN
cjfa-12561	148	5	are	be	AUX
cjfa-12561	148	6	also	also	ADV
cjfa-12561	148	7	known	know	VERB
cjfa-12561	148	8	as	as	ADP
cjfa-12561	148	9	asset	asset	NOUN
cjfa-12561	148	10	volatility	volatility	NOUN
cjfa-12561	148	11	models	model	NOUN
cjfa-12561	148	12	.	.	PUNCT
cjfa-12561	149	1	indicators	indicator	NOUN
cjfa-12561	149	2	have	have	VERB
cjfa-12561	149	3	the	the	DET
cjfa-12561	149	4	following	follow	VERB
cjfa-12561	149	5	form	form	NOUN
cjfa-12561	149	6	(	(	PUNCT
cjfa-12561	149	7	iwanicz	iwanicz	NOUN
cjfa-12561	149	8	-	-	PUNCT
cjfa-12561	149	9	drozdowska	drozdowska	NOUN
cjfa-12561	149	10	,	,	PUNCT
cjfa-12561	149	11	2012	2012	NUM
cjfa-12561	149	12	,	,	PUNCT
cjfa-12561	149	13	pp	pp	ADV
cjfa-12561	149	14	.	.	PUNCT
cjfa-12561	150	1	252–253	252–253	NUM
cjfa-12561	150	2	):	):	PUNCT
cjfa-12561	150	3	a	a	DET
cjfa-12561	150	4	combination	combination	NOUN
cjfa-12561	150	5	of	of	ADP
cjfa-12561	150	6	raroc	raroc	NOUN
cjfa-12561	150	7	and	and	CCONJ
cjfa-12561	150	8	rorac	rorac	NOUN
cjfa-12561	150	9	is	be	AUX
cjfa-12561	150	10	a	a	DET
cjfa-12561	150	11	risk	risk	NOUN
cjfa-12561	150	12	-	-	PUNCT
cjfa-12561	150	13	adjusted	adjust	VERB
cjfa-12561	150	14	return	return	NOUN
cjfa-12561	150	15	on	on	ADP
cjfa-12561	150	16	risk	risk	NOUN
cjfa-12561	150	17	adjusted	adjust	VERB
cjfa-12561	150	18	capital	capital	NOUN
cjfa-12561	150	19	(	(	PUNCT
cjfa-12561	150	20	rarorac	rarorac	PROPN
cjfa-12561	150	21	)	)	PUNCT
cjfa-12561	150	22	(	(	PUNCT
cjfa-12561	150	23	kałużny	kałużny	NOUN
cjfa-12561	150	24	,	,	PUNCT
cjfa-12561	150	25	2012	2012	NUM
cjfa-12561	150	26	,	,	PUNCT
cjfa-12561	150	27	p.	p.	NOUN
cjfa-12561	150	28	238	238	NUM
cjfa-12561	150	29	):	):	PUNCT
cjfa-12561	150	30	�	�	PROPN
cjfa-12561	150	31	�	�	PROPN
cjfa-12561	150	32	�	�	PROPN
cjfa-12561	150	33	�	�	PROPN
cjfa-12561	150	34	�	�	PROPN
cjfa-12561	150	35	�	�	PROPN
cjfa-12561	150	36	�	�	PROPN
cjfa-12561	150	37	�	�	PROPN
cjfa-12561	150	38	�	�	PROPN
cjfa-12561	150	39	�	�	PROPN
cjfa-12561	150	40	�	�	PROPN
cjfa-12561	150	41	�	�	PROPN
cjfa-12561	150	42	�	�	PROPN
cjfa-12561	150	43	�	�	PROPN
cjfa-12561	150	44	�	�	PROPN
cjfa-12561	150	45	�	�	PROPN
cjfa-12561	150	46	�	�	PROPN
cjfa-12561	150	47	�	�	PROPN
cjfa-12561	150	48	�	�	PROPN
cjfa-12561	150	49	�	�	PROPN
cjfa-12561	150	50	�	�	PROPN
cjfa-12561	150	51	�	�	PROPN
cjfa-12561	150	52	�	�	PROPN
cjfa-12561	150	53	�	�	PROPN
cjfa-12561	150	54	�	�	PROPN
cjfa-12561	150	55	�	�	PROPN
cjfa-12561	150	56	�	�	PROPN
cjfa-12561	150	57	�	�	PROPN
cjfa-12561	150	58	�	�	PROPN
cjfa-12561	150	59	�	�	PROPN
cjfa-12561	150	60	�	�	PROPN
cjfa-12561	150	61	�	�	PROPN
cjfa-12561	150	62	�	�	PROPN
cjfa-12561	150	63	�	�	PROPN
cjfa-12561	150	64	�	�	PROPN
cjfa-12561	150	65	�	�	PROPN
cjfa-12561	150	66	�	�	PROPN
cjfa-12561	150	67	�	�	PROPN
cjfa-12561	150	68	�	�	PROPN
cjfa-12561	150	69	�	�	PROPN
cjfa-12561	150	70	�	�	PROPN
cjfa-12561	150	71	�	�	PROPN
cjfa-12561	150	72	�	�	PROPN
cjfa-12561	150	73	�	�	PROPN
cjfa-12561	150	74	�	�	PROPN
cjfa-12561	150	75	�	�	PROPN
cjfa-12561	150	76	�	�	PROPN
cjfa-12561	150	77	∗	∗	VERB
cjfa-12561	150	78	100	100	NUM
cjfa-12561	150	79	%	%	NOUN
cjfa-12561	150	80	(	(	PUNCT
cjfa-12561	150	81	4	4	NUM
cjfa-12561	150	82	)	)	PUNCT
cjfa-12561	150	83	another	another	DET
cjfa-12561	150	84	approach	approach	NOUN
cjfa-12561	150	85	to	to	ADP
cjfa-12561	150	86	measuring	measure	VERB
cjfa-12561	150	87	the	the	DET
cjfa-12561	150	88	effectiveness	effectiveness	NOUN
cjfa-12561	150	89	and	and	CCONJ
cjfa-12561	150	90	risks	risk	NOUN
cjfa-12561	150	91	which	which	PRON
cjfa-12561	150	92	occurs	occur	VERB
cjfa-12561	150	93	in	in	ADP
cjfa-12561	150	94	the	the	DET
cjfa-12561	150	95	literature	literature	NOUN
cjfa-12561	150	96	,	,	PUNCT
cjfa-12561	150	97	are	be	AUX
cjfa-12561	150	98	top	top	ADJ
cjfa-12561	150	99	-	-	PUNCT
cjfa-12561	150	100	down	down	NOUN
cjfa-12561	150	101	and	and	CCONJ
cjfa-12561	150	102	bottom	bottom	ADJ
cjfa-12561	150	103	-	-	PUNCT
cjfa-12561	150	104	up	up	ADP
cjfa-12561	150	105	models	model	NOUN
cjfa-12561	150	106	(	(	PUNCT
cjfa-12561	150	107	iwanicz	iwanicz	NOUN
cjfa-12561	150	108	-	-	PUNCT
cjfa-12561	150	109	drozdowska	drozdowska	NOUN
cjfa-12561	150	110	,	,	PUNCT
cjfa-12561	150	111	2012	2012	NUM
cjfa-12561	150	112	,	,	PUNCT
cjfa-12561	150	113	pp	pp	ADJ
cjfa-12561	150	114	.	.	PUNCT
cjfa-12561	150	115	247	247	NUM
cjfa-12561	150	116	,	,	PUNCT
cjfa-12561	150	117	252	252	NUM
cjfa-12561	150	118	)	)	PUNCT
cjfa-12561	150	119	.	.	PUNCT
cjfa-12561	151	1	top	top	ADJ
cjfa-12561	151	2	-	-	PUNCT
cjfa-12561	151	3	down	down	ADP
cjfa-12561	151	4	models	model	NOUN
cjfa-12561	151	5	assume	assume	VERB
cjfa-12561	151	6	allocation	allocation	NOUN
cjfa-12561	151	7	of	of	ADP
cjfa-12561	151	8	economic	economic	ADJ
cjfa-12561	151	9	or	or	CCONJ
cjfa-12561	151	10	regulatory	regulatory	ADJ
cjfa-12561	151	11	capital	capital	NOUN
cjfa-12561	151	12	.	.	PUNCT
cjfa-12561	152	1	these	these	DET
cjfa-12561	152	2	models	model	NOUN
cjfa-12561	152	3	are	be	AUX
cjfa-12561	152	4	also	also	ADV
cjfa-12561	152	5	called	call	VERB
cjfa-12561	152	6	earnings	earning	NOUN
cjfa-12561	152	7	volatility	volatility	NOUN
cjfa-12561	152	8	models	model	NOUN
cjfa-12561	152	9	,	,	PUNCT
cjfa-12561	152	10	because	because	SCONJ
cjfa-12561	152	11	they	they	PRON
cjfa-12561	152	12	use	use	VERB
cjfa-12561	152	13	earnings	earning	NOUN
cjfa-12561	152	14	at	at	ADP
cjfa-12561	152	15	risk	risk	NOUN
cjfa-12561	152	16	.	.	PUNCT
cjfa-12561	153	1	2	2	NUM
cjfa-12561	153	2	basic	basic	ADJ
cjfa-12561	153	3	models	model	NOUN
cjfa-12561	153	4	can	can	AUX
cjfa-12561	153	5	be	be	AUX
cjfa-12561	153	6	extracted	extract	VERB
cjfa-12561	153	7	(	(	PUNCT
cjfa-12561	153	8	iwanicz	iwanicz	NOUN
cjfa-12561	153	9	-	-	PUNCT
cjfa-12561	153	10	drozdowska	drozdowska	NOUN
cjfa-12561	153	11	,	,	PUNCT
cjfa-12561	153	12	2012	2012	NUM
cjfa-12561	153	13	,	,	PUNCT
cjfa-12561	153	14	p.	p.	NOUN
cjfa-12561	153	15	247	247	NUM
cjfa-12561	153	16	):	):	PUNCT
cjfa-12561	153	17	�	�	PROPN
cjfa-12561	153	18	�	�	PROPN
cjfa-12561	153	19	�	�	PROPN
cjfa-12561	153	20	�	�	PROPN
cjfa-12561	153	21	�	�	PROPN
cjfa-12561	153	22	�	�	PROPN
cjfa-12561	153	23	�	�	PROPN
cjfa-12561	153	24	�	�	PROPN
cjfa-12561	153	25	�	�	PROPN
cjfa-12561	153	26	�	�	PROPN
cjfa-12561	153	27	�	�	PROPN
cjfa-12561	153	28	�	�	PROPN
cjfa-12561	153	29	�	�	PROPN
cjfa-12561	153	30	�	�	PROPN
cjfa-12561	153	31	�	�	PROPN
cjfa-12561	153	32	�	�	PROPN
cjfa-12561	153	33	�	�	PROPN
cjfa-12561	153	34	�	�	PROPN
cjfa-12561	153	35	�	�	PROPN
cjfa-12561	153	36	�	�	PROPN
cjfa-12561	153	37	�	�	PROPN
cjfa-12561	153	38	�	�	PROPN
cjfa-12561	153	39	�	�	PROPN
cjfa-12561	153	40	�	�	PROPN
cjfa-12561	153	41	�	�	PROPN
cjfa-12561	153	42	�	�	PROPN
cjfa-12561	153	43	�	�	PROPN
cjfa-12561	153	44	�	�	PROPN
cjfa-12561	153	45	�	�	PROPN
cjfa-12561	153	46	�	�	PROPN
cjfa-12561	153	47	�	�	PROPN
cjfa-12561	153	48	�	�	PROPN
cjfa-12561	153	49	�	�	PROPN
cjfa-12561	153	50	�	�	PROPN
cjfa-12561	153	51	∗	∗	NOUN
cjfa-12561	153	52	�	�	PROPN
cjfa-12561	153	53	�	�	PROPN
cjfa-12561	153	54	�	�	PROPN
cjfa-12561	153	55	�	�	PROPN
cjfa-12561	153	56	�	�	PROPN
cjfa-12561	153	57	�	�	PROPN
cjfa-12561	153	58	�	�	PROPN
cjfa-12561	153	59	�	�	PROPN
cjfa-12561	153	60	�	�	PROPN
cjfa-12561	153	61	�	�	PROPN
cjfa-12561	153	62	�	�	PROPN
cjfa-12561	153	63	�	�	PROPN
cjfa-12561	153	64	�	�	PROPN
cjfa-12561	153	65	�	�	PROPN
cjfa-12561	153	66	�	�	PROPN
cjfa-12561	153	67	�	�	PROPN
cjfa-12561	153	68	�	�	PROPN
cjfa-12561	153	69	�	�	PROPN
cjfa-12561	153	70	�	�	PROPN
cjfa-12561	153	71	�	�	PROPN
cjfa-12561	153	72	�	�	PROPN
cjfa-12561	153	73	�	�	PROPN
cjfa-12561	153	74	�	�	PROPN
cjfa-12561	153	75	�	�	PROPN
cjfa-12561	153	76	�	�	PROPN
cjfa-12561	153	77	�	�	PROPN
cjfa-12561	153	78	�	�	PROPN
cjfa-12561	153	79	�	�	PROPN
cjfa-12561	153	80	�	�	PROPN
cjfa-12561	153	81	�	�	PROPN
cjfa-12561	153	82	�	�	PROPN
cjfa-12561	153	83	�	�	PROPN
cjfa-12561	153	84	�	�	PROPN
cjfa-12561	153	85	�	�	PROPN
cjfa-12561	153	86	∗	∗	VERB
cjfa-12561	153	87	100	100	NUM
cjfa-12561	153	88	%	%	NOUN
cjfa-12561	153	89	(	(	PUNCT
cjfa-12561	153	90	5	5	NUM
cjfa-12561	153	91	)	)	PUNCT
cjfa-12561	153	92	�	�	PROPN
cjfa-12561	153	93	�	�	PROPN
cjfa-12561	153	94	�	�	PROPN
cjfa-12561	153	95	�	�	PROPN
cjfa-12561	153	96	�	�	PROPN
cjfa-12561	153	97	�	�	PROPN
cjfa-12561	153	98	�	�	PROPN
cjfa-12561	153	99	�	�	PROPN
cjfa-12561	153	100	�	�	PROPN
cjfa-12561	153	101	�	�	PROPN
cjfa-12561	153	102	�	�	PROPN
cjfa-12561	153	103	�	�	PROPN
cjfa-12561	153	104	�	�	PROPN
cjfa-12561	153	105	�	�	PROPN
cjfa-12561	153	106	�	�	PROPN
cjfa-12561	153	107	�	�	PROPN
cjfa-12561	153	108	�	�	PROPN
cjfa-12561	153	109	�	�	PROPN
cjfa-12561	153	110	�	�	PROPN
cjfa-12561	153	111	�	�	PROPN
cjfa-12561	153	112	�	�	PROPN
cjfa-12561	153	113	�	�	PROPN
cjfa-12561	153	114	�	�	PROPN
cjfa-12561	153	115	�	�	PROPN
cjfa-12561	153	116	�	�	PROPN
cjfa-12561	153	117	�	�	PROPN
cjfa-12561	153	118	�	�	PROPN
cjfa-12561	153	119	�	�	PROPN
cjfa-12561	153	120	�	�	PROPN
cjfa-12561	153	121	�	�	PROPN
cjfa-12561	153	122	�	�	PROPN
cjfa-12561	153	123	�	�	PROPN
cjfa-12561	153	124	�	�	PROPN
cjfa-12561	153	125	�	�	PROPN
cjfa-12561	153	126	�	�	PROPN
cjfa-12561	153	127	�	�	PROPN
cjfa-12561	153	128	�	�	PROPN
cjfa-12561	153	129	�	�	PROPN
cjfa-12561	153	130	�	�	PROPN
cjfa-12561	153	131	�	�	PROPN
cjfa-12561	153	132	�	�	PROPN
cjfa-12561	153	133	�	�	PROPN
cjfa-12561	153	134	�	�	PROPN
cjfa-12561	153	135	�	�	PROPN
cjfa-12561	153	136	�	�	PROPN
cjfa-12561	153	137	�	�	PROPN
cjfa-12561	153	138	�	�	PROPN
cjfa-12561	153	139	�	�	PROPN
cjfa-12561	153	140	�	�	PROPN
cjfa-12561	153	141	�	�	PROPN
cjfa-12561	153	142	�	�	PROPN
cjfa-12561	153	143	�	�	PROPN
cjfa-12561	153	144	�	�	PROPN
cjfa-12561	153	145	�	�	PROPN
cjfa-12561	153	146	�	�	PROPN
cjfa-12561	153	147	�	�	PROPN
cjfa-12561	153	148	�	�	PROPN
cjfa-12561	153	149	�	�	PROPN
cjfa-12561	153	150	�	�	PROPN
cjfa-12561	153	151	�	�	PROPN
cjfa-12561	153	152	�	�	PROPN
cjfa-12561	153	153	∗	∗	VERB
cjfa-12561	153	154	100	100	NUM
cjfa-12561	153	155	%	%	NOUN
cjfa-12561	153	156	(	(	PUNCT
cjfa-12561	153	157	6	6	NUM
cjfa-12561	153	158	)	)	PUNCT
cjfa-12561	153	159	in	in	ADP
cjfa-12561	153	160	the	the	DET
cjfa-12561	153	161	bottom	bottom	ADJ
cjfa-12561	153	162	-	-	PUNCT
cjfa-12561	153	163	up	up	ADP
cjfa-12561	153	164	models	model	NOUN
cjfa-12561	153	165	for	for	ADP
cjfa-12561	153	166	calculation	calculation	NOUN
cjfa-12561	153	167	of	of	ADP
cjfa-12561	153	168	economic	economic	ADJ
cjfa-12561	153	169	capital	capital	NOUN
cjfa-12561	153	170	is	be	AUX
cjfa-12561	153	171	used	use	VERB
cjfa-12561	153	172	value	value	NOUN
cjfa-12561	153	173	at	at	ADP
cjfa-12561	153	174	risk	risk	NOUN
cjfa-12561	153	175	.	.	PUNCT
cjfa-12561	154	1	these	these	DET
cjfa-12561	154	2	type	type	NOUN
cjfa-12561	154	3	of	of	ADP
cjfa-12561	154	4	models	model	NOUN
cjfa-12561	154	5	are	be	AUX
cjfa-12561	154	6	also	also	ADV
cjfa-12561	154	7	known	know	VERB
cjfa-12561	154	8	as	as	ADP
cjfa-12561	154	9	asset	asset	NOUN
cjfa-12561	154	10	volatility	volatility	NOUN
cjfa-12561	154	11	models	model	NOUN
cjfa-12561	154	12	.	.	PUNCT
cjfa-12561	155	1	indicators	indicator	NOUN
cjfa-12561	155	2	have	have	VERB
cjfa-12561	155	3	the	the	DET
cjfa-12561	155	4	following	follow	VERB
cjfa-12561	155	5	form	form	NOUN
cjfa-12561	155	6	(	(	PUNCT
cjfa-12561	155	7	iwanicz	iwanicz	NOUN
cjfa-12561	155	8	-	-	PUNCT
cjfa-12561	155	9	drozdowska	drozdowska	NOUN
cjfa-12561	155	10	,	,	PUNCT
cjfa-12561	155	11	2012	2012	NUM
cjfa-12561	155	12	,	,	PUNCT
cjfa-12561	155	13	pp	pp	ADJ
cjfa-12561	155	14	.	.	PUNCT
cjfa-12561	156	1	252	252	NUM
cjfa-12561	156	2	-	-	SYM
cjfa-12561	156	3	253	253	NUM
cjfa-12561	156	4	):	):	PUNCT
cjfa-12561	156	5	�	�	PROPN
cjfa-12561	156	6	�	�	PROPN
cjfa-12561	156	7	�	�	PROPN
cjfa-12561	156	8	�	�	PROPN
cjfa-12561	156	9	�	�	PROPN
cjfa-12561	156	10	�	�	PROPN
cjfa-12561	156	11	�	�	PROPN
cjfa-12561	156	12	�	�	PROPN
cjfa-12561	156	13	�	�	PROPN
cjfa-12561	156	14	�	�	PROPN
cjfa-12561	156	15	�	�	PROPN
cjfa-12561	156	16	�	�	PROPN
cjfa-12561	156	17	�	�	PROPN
cjfa-12561	156	18	�	�	PROPN
cjfa-12561	156	19	�	�	PROPN
cjfa-12561	156	20	�	�	PROPN
cjfa-12561	156	21	�	�	PROPN
cjfa-12561	156	22	�	�	PROPN
cjfa-12561	156	23	�	�	PROPN
cjfa-12561	156	24	�	�	PROPN
cjfa-12561	156	25	�	�	PROPN
cjfa-12561	156	26	�	�	PROPN
cjfa-12561	156	27	�	�	PROPN
cjfa-12561	156	28	�	�	PROPN
cjfa-12561	156	29	�	�	PROPN
cjfa-12561	156	30	�	�	PROPN
cjfa-12561	156	31	�	�	PROPN
cjfa-12561	156	32	�	�	PROPN
cjfa-12561	156	33	(	(	PUNCT
cjfa-12561	156	34	7	7	NUM
cjfa-12561	156	35	)	)	PUNCT
cjfa-12561	156	36	�	�	PROPN
cjfa-12561	156	37	�	�	PROPN
cjfa-12561	156	38	�	�	PROPN
cjfa-12561	156	39	�	�	PROPN
cjfa-12561	156	40	�	�	PROPN
cjfa-12561	156	41	�	�	PROPN
cjfa-12561	156	42	�	�	PROPN
cjfa-12561	156	43	�	�	PROPN
cjfa-12561	156	44	�	�	PROPN
cjfa-12561	156	45	�	�	PROPN
cjfa-12561	156	46	�	�	PROPN
cjfa-12561	156	47	�	�	PROPN
cjfa-12561	156	48	�	�	PROPN
cjfa-12561	156	49	�	�	PROPN
cjfa-12561	156	50	�	�	PROPN
cjfa-12561	156	51	�	�	PROPN
cjfa-12561	156	52	�	�	PROPN
cjfa-12561	156	53	�	�	PROPN
cjfa-12561	156	54	�	�	PROPN
cjfa-12561	156	55	�	�	PROPN
cjfa-12561	156	56	�	�	PROPN
cjfa-12561	156	57	�	�	PROPN
cjfa-12561	156	58	�	�	PROPN
cjfa-12561	156	59	�	�	PROPN
cjfa-12561	156	60	�	�	PROPN
cjfa-12561	156	61	�	�	PROPN
cjfa-12561	156	62	�	�	PROPN
cjfa-12561	156	63	�	�	PROPN
cjfa-12561	156	64	�	�	PROPN
cjfa-12561	156	65	�	�	PROPN
cjfa-12561	156	66	�	�	PROPN
cjfa-12561	156	67	�	�	PROPN
cjfa-12561	156	68	�	�	PROPN
cjfa-12561	156	69	�	�	PROPN
cjfa-12561	156	70	�	�	PROPN
cjfa-12561	156	71	�	�	PROPN
cjfa-12561	156	72	�	�	PROPN
cjfa-12561	156	73	�	�	PROPN
cjfa-12561	156	74	�	�	PROPN
cjfa-12561	156	75	�	�	PROPN
cjfa-12561	156	76	�	�	PROPN
cjfa-12561	156	77	�	�	PROPN
cjfa-12561	156	78	(	(	PUNCT
cjfa-12561	156	79	8)	8)	NUM
cjfa-12561	156	80	based	base	VERB
cjfa-12561	156	81	on	on	ADP
cjfa-12561	156	82	the	the	DET
cjfa-12561	156	83	above	above	ADJ
cjfa-12561	156	84	information	information	NOUN
cjfa-12561	156	85	it	it	PRON
cjfa-12561	156	86	can	can	AUX
cjfa-12561	156	87	be	be	AUX
cjfa-12561	156	88	concluded	conclude	VERB
cjfa-12561	156	89	that	that	SCONJ
cjfa-12561	156	90	there	there	PRON
cjfa-12561	156	91	is	be	VERB
cjfa-12561	156	92	no	no	DET
cjfa-12561	156	93	single	single	ADJ
cjfa-12561	156	94	,	,	PUNCT
cjfa-12561	156	95	universal	universal	ADJ
cjfa-12561	156	96	formula	formula	NOUN
cjfa-12561	156	97	for	for	ADP
cjfa-12561	156	98	rorac	rorac	NOUN
cjfa-12561	156	99	or	or	CCONJ
cjfa-12561	156	100	raroc	raroc	NOUN
cjfa-12561	156	101	.	.	PUNCT
cjfa-12561	157	1	the	the	DET
cjfa-12561	157	2	outcome	outcome	NOUN
cjfa-12561	157	3	of	of	ADP
cjfa-12561	157	4	the	the	DET
cjfa-12561	157	5	research	research	NOUN
cjfa-12561	157	6	process	process	NOUN
cjfa-12561	157	7	and	and	CCONJ
cjfa-12561	157	8	conclusions	conclusion	NOUN
cjfa-12561	157	9	rorac	rorac	NOUN
cjfa-12561	157	10	indicators	indicator	NOUN
cjfa-12561	157	11	are	be	AUX
cjfa-12561	157	12	presented	present	VERB
cjfa-12561	157	13	in	in	ADP
cjfa-12561	157	14	table	table	NOUN
cjfa-12561	157	15	1	1	NUM
cjfa-12561	157	16	.	.	PUNCT
cjfa-12561	158	1	in	in	ADP
cjfa-12561	158	2	this	this	DET
cjfa-12561	158	3	case	case	NOUN
cjfa-12561	158	4	,	,	PUNCT
cjfa-12561	158	5	rorac	rorac	NOUN
cjfa-12561	158	6	has	have	AUX
cjfa-12561	158	7	been	be	AUX
cjfa-12561	158	8	calculated	calculate	VERB
cjfa-12561	158	9	as	as	ADP
cjfa-12561	158	10	the	the	DET
cjfa-12561	158	11	ratio	ratio	NOUN
cjfa-12561	158	12	between	between	ADP
cjfa-12561	158	13	the	the	DET
cjfa-12561	158	14	net	net	ADJ
cjfa-12561	158	15	profit	profit	NOUN
cjfa-12561	158	16	and	and	CCONJ
cjfa-12561	158	17	different	different	ADJ
cjfa-12561	158	18	heights	height	NOUN
cjfa-12561	158	19	of	of	ADP
cjfa-12561	158	20	capital	capital	NOUN
cjfa-12561	158	21	in	in	ADP
cjfa-12561	158	22	the	the	DET
cjfa-12561	158	23	9	9	NUM
cjfa-12561	158	24	largest	large	ADJ
cjfa-12561	158	25	credit	credit	NOUN
cjfa-12561	158	26	institutions	institution	NOUN
cjfa-12561	158	27	in	in	ADP
cjfa-12561	158	28	poland	poland	PROPN
cjfa-12561	158	29	in	in	ADP
cjfa-12561	158	30	terms	term	NOUN
cjfa-12561	158	31	of	of	ADP
cjfa-12561	158	32	assets	asset	NOUN
cjfa-12561	158	33	on	on	ADP
cjfa-12561	158	34	a	a	DET
cjfa-12561	158	35	consolidated	consolidated	ADJ
cjfa-12561	158	36	basis	basis	NOUN
cjfa-12561	158	37	.	.	PUNCT
cjfa-12561	159	1	in	in	ADP
cjfa-12561	159	2	all	all	DET
cjfa-12561	159	3	surveyed	survey	VERB
cjfa-12561	159	4	banks	bank	NOUN
cjfa-12561	159	5	can	can	AUX
cjfa-12561	159	6	be	be	AUX
cjfa-12561	159	7	observed	observe	VERB
cjfa-12561	159	8	decreasing	decrease	VERB
cjfa-12561	159	9	trend	trend	NOUN
cjfa-12561	159	10	of	of	ADP
cjfa-12561	159	11	rorac	rorac	NOUN
cjfa-12561	159	12	.	.	PUNCT
cjfa-12561	160	1	this	this	PRON
cjfa-12561	160	2	can	can	AUX
cjfa-12561	160	3	be	be	AUX
cjfa-12561	160	4	justified	justify	VERB
cjfa-12561	160	5	by	by	ADP
cjfa-12561	160	6	the	the	DET
cjfa-12561	160	7	new	new	ADJ
cjfa-12561	160	8	regulations	regulation	NOUN
cjfa-12561	160	9	,	,	PUNCT
cjfa-12561	160	10	i.e.	i.e.	X
cjfa-12561	160	11	basel	basel	PROPN
cjfa-12561	160	12	iii	iii	PROPN
cjfa-12561	160	13	,	,	PUNCT
cjfa-12561	160	14	and	and	CCONJ
cjfa-12561	160	15	the	the	DET
cjfa-12561	160	16	consequent	consequent	ADJ
cjfa-12561	160	17	need	need	NOUN
cjfa-12561	160	18	to	to	PART
cjfa-12561	160	19	increase	increase	VERB
cjfa-12561	160	20	the	the	DET
cjfa-12561	160	21	quantity	quantity	NOUN
cjfa-12561	160	22	and	and	CCONJ
cjfa-12561	160	23	quality	quality	NOUN
cjfa-12561	160	24	of	of	ADP
cjfa-12561	160	25	own	own	ADJ
cjfa-12561	160	26	funds	fund	NOUN
cjfa-12561	160	27	of	of	ADP
cjfa-12561	160	28	credit	credit	NOUN
cjfa-12561	160	29	institutions	institution	NOUN
cjfa-12561	160	30	,	,	PUNCT
cjfa-12561	160	31	and	and	CCONJ
cjfa-12561	160	32	fuller	full	ADJ
cjfa-12561	160	33	risks	risk	NOUN
cjfa-12561	160	34	coverage	coverage	NOUN
cjfa-12561	160	35	by	by	ADP
cjfa-12561	160	36	the	the	DET
cjfa-12561	160	37	own	own	ADJ
cjfa-12561	160	38	funds	fund	NOUN
cjfa-12561	160	39	.	.	PUNCT
cjfa-12561	161	1	furthermore	furthermore	ADV
cjfa-12561	161	2	as	as	ADP
cjfa-12561	161	3	a	a	DET
cjfa-12561	161	4	result	result	NOUN
cjfa-12561	161	5	of	of	ADP
cjfa-12561	161	6	these	these	DET
cjfa-12561	161	7	calculations	calculation	NOUN
cjfa-12561	161	8	can	can	AUX
cjfa-12561	161	9	be	be	AUX
cjfa-12561	161	10	observed	observe	VERB
cjfa-12561	161	11	how	how	SCONJ
cjfa-12561	161	12	competent	competent	ADJ
cjfa-12561	161	13	supervisory	supervisory	ADJ
cjfa-12561	161	14	authorities	authority	NOUN
cjfa-12561	161	15	may	may	AUX
cjfa-12561	161	16	affect	affect	VERB
cjfa-12561	161	17	the	the	DET
cjfa-12561	161	18	bank	bank	NOUN
cjfa-12561	161	19	's	's	PART
cjfa-12561	161	20	profitability	profitability	NOUN
cjfa-12561	161	21	adjusted	adjust	VERB
cjfa-12561	161	22	for	for	ADP
cjfa-12561	161	23	risk	risk	NOUN
cjfa-12561	161	24	.	.	PUNCT
cjfa-12561	162	1	in	in	ADP
cjfa-12561	162	2	order	order	NOUN
cjfa-12561	162	3	to	to	PART
cjfa-12561	162	4	fulfil	fulfil	VERB
cjfa-12561	162	5	these	these	DET
cjfa-12561	162	6	requirements	requirement	NOUN
cjfa-12561	162	7	and	and	CCONJ
cjfa-12561	162	8	maintain	maintain	VERB
cjfa-12561	162	9	profitability	profitability	NOUN
cjfa-12561	162	10	at	at	ADP
cjfa-12561	162	11	current	current	ADJ
cjfa-12561	162	12	levels	level	NOUN
cjfa-12561	162	13	,	,	PUNCT
cjfa-12561	162	14	credit	credit	NOUN
cjfa-12561	162	15	institutions	institution	NOUN
cjfa-12561	162	16	may	may	AUX
cjfa-12561	162	17	undertake	undertake	VERB
cjfa-12561	162	18	various	various	ADJ
cjfa-12561	162	19	activities	activity	NOUN
cjfa-12561	162	20	,	,	PUNCT
cjfa-12561	162	21	such	such	ADJ
cjfa-12561	162	22	as	as	ADP
cjfa-12561	162	23	increase	increase	NOUN
cjfa-12561	162	24	capital	capital	NOUN
cjfa-12561	162	25	by	by	ADP
cjfa-12561	162	26	issuing	issue	VERB
cjfa-12561	162	27	new	new	ADJ
cjfa-12561	162	28	shares	share	NOUN
cjfa-12561	162	29	,	,	PUNCT
cjfa-12561	162	30	plough	plough	NOUN
cjfa-12561	162	31	current	current	ADJ
cjfa-12561	162	32	profit	profit	NOUN
cjfa-12561	162	33	back	back	ADV
cjfa-12561	162	34	,	,	PUNCT
cjfa-12561	162	35	or	or	CCONJ
cjfa-12561	162	36	decrease	decrease	VERB
cjfa-12561	162	37	interest	interest	NOUN
cjfa-12561	162	38	rate	rate	NOUN
cjfa-12561	162	39	on	on	ADP
cjfa-12561	162	40	deposits	deposit	NOUN
cjfa-12561	162	41	.	.	PUNCT
cjfa-12561	163	1	while	while	SCONJ
cjfa-12561	163	2	on	on	ADP
cjfa-12561	163	3	the	the	DET
cjfa-12561	163	4	assets	asset	NOUN
cjfa-12561	163	5	side	side	NOUN
cjfa-12561	163	6	they	they	PRON
cjfa-12561	163	7	can	can	AUX
cjfa-12561	163	8	reduce	reduce	VERB
cjfa-12561	163	9	credits	credit	NOUN
cjfa-12561	163	10	and	and	CCONJ
cjfa-12561	163	11	loans	loan	NOUN
cjfa-12561	163	12	supply	supply	VERB
cjfa-12561	163	13	in	in	ADP
cjfa-12561	163	14	order	order	NOUN
cjfa-12561	163	15	to	to	PART
cjfa-12561	163	16	reduce	reduce	VERB
cjfa-12561	163	17	risk	risk	NOUN
cjfa-12561	163	18	-	-	PUNCT
cjfa-12561	163	19	weighted	weight	VERB
cjfa-12561	163	20	assets	asset	NOUN
cjfa-12561	163	21	and	and	CCONJ
cjfa-12561	163	22	accordingly	accordingly	ADV
cjfa-12561	163	23	capital	capital	NOUN
cjfa-12561	163	24	requirement	requirement	NOUN
cjfa-12561	163	25	,	,	PUNCT
cjfa-12561	163	26	as	as	ADV
cjfa-12561	163	27	well	well	ADV
cjfa-12561	163	28	as	as	ADP
cjfa-12561	163	29	rise	rise	VERB
cjfa-12561	163	30	lending	lending	NOUN
cjfa-12561	163	31	rates	rate	NOUN
cjfa-12561	163	32	.	.	PUNCT
cjfa-12561	164	1	ad	ad	NOUN
cjfa-12561	164	2	(	(	PUNCT
cjfa-12561	164	3	7	7	X
cjfa-12561	164	4	)	)	PUNCT
cjfa-12561	164	5	michał	michał	PROPN
cjfa-12561	164	6	boda50	boda50	VERB
cjfa-12561	164	7	a	a	DET
cjfa-12561	164	8	combination	combination	NOUN
cjfa-12561	164	9	of	of	ADP
cjfa-12561	164	10	raroc	raroc	NOUN
cjfa-12561	164	11	and	and	CCONJ
cjfa-12561	164	12	rorac	rorac	NOUN
cjfa-12561	164	13	is	be	AUX
cjfa-12561	164	14	a	a	DET
cjfa-12561	164	15	risk	risk	NOUN
cjfa-12561	164	16	-	-	PUNCT
cjfa-12561	164	17	adjusted	adjust	VERB
cjfa-12561	164	18	return	return	NOUN
cjfa-12561	164	19	on	on	ADP
cjfa-12561	164	20	risk	risk	NOUN
cjfa-12561	164	21	adjusted	adjust	VERB
cjfa-12561	164	22	capital	capital	NOUN
cjfa-12561	164	23	(	(	PUNCT
cjfa-12561	164	24	rarorac	rarorac	PROPN
cjfa-12561	164	25	)	)	PUNCT
cjfa-12561	164	26	(	(	PUNCT
cjfa-12561	164	27	kałużny	kałużny	NOUN
cjfa-12561	164	28	,	,	PUNCT
cjfa-12561	164	29	2012	2012	NUM
cjfa-12561	164	30	,	,	PUNCT
cjfa-12561	164	31	p.	p.	NOUN
cjfa-12561	164	32	238	238	NUM
cjfa-12561	164	33	):	):	PUNCT
cjfa-12561	164	34	�	�	PROPN
cjfa-12561	164	35	�	�	PROPN
cjfa-12561	164	36	�	�	PROPN
cjfa-12561	164	37	�	�	PROPN
cjfa-12561	164	38	�	�	PROPN
cjfa-12561	164	39	�	�	PROPN
cjfa-12561	164	40	�	�	PROPN
cjfa-12561	164	41	�	�	PROPN
cjfa-12561	164	42	�	�	PROPN
cjfa-12561	164	43	�	�	PROPN
cjfa-12561	164	44	�	�	PROPN
cjfa-12561	164	45	�	�	PROPN
cjfa-12561	164	46	�	�	PROPN
cjfa-12561	164	47	�	�	PROPN
cjfa-12561	164	48	�	�	PROPN
cjfa-12561	164	49	�	�	PROPN
cjfa-12561	164	50	�	�	PROPN
cjfa-12561	164	51	�	�	PROPN
cjfa-12561	164	52	�	�	PROPN
cjfa-12561	164	53	�	�	PROPN
cjfa-12561	164	54	�	�	PROPN
cjfa-12561	164	55	�	�	PROPN
cjfa-12561	164	56	�	�	PROPN
cjfa-12561	164	57	�	�	PROPN
cjfa-12561	164	58	�	�	PROPN
cjfa-12561	164	59	�	�	PROPN
cjfa-12561	164	60	�	�	PROPN
cjfa-12561	164	61	�	�	PROPN
cjfa-12561	164	62	�	�	PROPN
cjfa-12561	164	63	�	�	PROPN
cjfa-12561	164	64	�	�	PROPN
cjfa-12561	164	65	�	�	PROPN
cjfa-12561	164	66	�	�	PROPN
cjfa-12561	164	67	�	�	PROPN
cjfa-12561	164	68	�	�	PROPN
cjfa-12561	164	69	�	�	PROPN
cjfa-12561	164	70	�	�	PROPN
cjfa-12561	164	71	�	�	PROPN
cjfa-12561	164	72	�	�	PROPN
cjfa-12561	164	73	�	�	PROPN
cjfa-12561	164	74	�	�	PROPN
cjfa-12561	164	75	�	�	PROPN
cjfa-12561	164	76	�	�	PROPN
cjfa-12561	164	77	�	�	PROPN
cjfa-12561	164	78	�	�	PROPN
cjfa-12561	164	79	�	�	PROPN
cjfa-12561	164	80	�	�	PROPN
cjfa-12561	164	81	∗	∗	VERB
cjfa-12561	164	82	100	100	NUM
cjfa-12561	164	83	%	%	NOUN
cjfa-12561	164	84	(	(	PUNCT
cjfa-12561	164	85	4	4	NUM
cjfa-12561	164	86	)	)	PUNCT
cjfa-12561	164	87	another	another	DET
cjfa-12561	164	88	approach	approach	NOUN
cjfa-12561	164	89	to	to	ADP
cjfa-12561	164	90	measuring	measure	VERB
cjfa-12561	164	91	the	the	DET
cjfa-12561	164	92	effectiveness	effectiveness	NOUN
cjfa-12561	164	93	and	and	CCONJ
cjfa-12561	164	94	risks	risk	NOUN
cjfa-12561	164	95	which	which	PRON
cjfa-12561	164	96	occurs	occur	VERB
cjfa-12561	164	97	in	in	ADP
cjfa-12561	164	98	the	the	DET
cjfa-12561	164	99	literature	literature	NOUN
cjfa-12561	164	100	,	,	PUNCT
cjfa-12561	164	101	are	be	AUX
cjfa-12561	164	102	top	top	ADJ
cjfa-12561	164	103	-	-	PUNCT
cjfa-12561	164	104	down	down	NOUN
cjfa-12561	164	105	and	and	CCONJ
cjfa-12561	164	106	bottom	bottom	ADJ
cjfa-12561	164	107	-	-	PUNCT
cjfa-12561	164	108	up	up	ADP
cjfa-12561	164	109	models	model	NOUN
cjfa-12561	164	110	(	(	PUNCT
cjfa-12561	164	111	iwanicz	iwanicz	NOUN
cjfa-12561	164	112	-	-	PUNCT
cjfa-12561	164	113	drozdowska	drozdowska	NOUN
cjfa-12561	164	114	,	,	PUNCT
cjfa-12561	164	115	2012	2012	NUM
cjfa-12561	164	116	,	,	PUNCT
cjfa-12561	164	117	pp	pp	ADJ
cjfa-12561	164	118	.	.	PUNCT
cjfa-12561	164	119	247	247	NUM
cjfa-12561	164	120	,	,	PUNCT
cjfa-12561	164	121	252	252	NUM
cjfa-12561	164	122	)	)	PUNCT
cjfa-12561	164	123	.	.	PUNCT
cjfa-12561	165	1	top	top	ADJ
cjfa-12561	165	2	-	-	PUNCT
cjfa-12561	165	3	down	down	ADP
cjfa-12561	165	4	models	model	NOUN
cjfa-12561	165	5	assume	assume	VERB
cjfa-12561	165	6	allocation	allocation	NOUN
cjfa-12561	165	7	of	of	ADP
cjfa-12561	165	8	economic	economic	ADJ
cjfa-12561	165	9	or	or	CCONJ
cjfa-12561	165	10	regulatory	regulatory	ADJ
cjfa-12561	165	11	capital	capital	NOUN
cjfa-12561	165	12	.	.	PUNCT
cjfa-12561	166	1	these	these	DET
cjfa-12561	166	2	models	model	NOUN
cjfa-12561	166	3	are	be	AUX
cjfa-12561	166	4	also	also	ADV
cjfa-12561	166	5	called	call	VERB
cjfa-12561	166	6	earnings	earning	NOUN
cjfa-12561	166	7	volatility	volatility	NOUN
cjfa-12561	166	8	models	model	NOUN
cjfa-12561	166	9	,	,	PUNCT
cjfa-12561	166	10	because	because	SCONJ
cjfa-12561	166	11	they	they	PRON
cjfa-12561	166	12	use	use	VERB
cjfa-12561	166	13	earnings	earning	NOUN
cjfa-12561	166	14	at	at	ADP
cjfa-12561	166	15	risk	risk	NOUN
cjfa-12561	166	16	.	.	PUNCT
cjfa-12561	167	1	2	2	NUM
cjfa-12561	167	2	basic	basic	ADJ
cjfa-12561	167	3	models	model	NOUN
cjfa-12561	167	4	can	can	AUX
cjfa-12561	167	5	be	be	AUX
cjfa-12561	167	6	extracted	extract	VERB
cjfa-12561	167	7	(	(	PUNCT
cjfa-12561	167	8	iwanicz	iwanicz	NOUN
cjfa-12561	167	9	-	-	PUNCT
cjfa-12561	167	10	drozdowska	drozdowska	NOUN
cjfa-12561	167	11	,	,	PUNCT
cjfa-12561	167	12	2012	2012	NUM
cjfa-12561	167	13	,	,	PUNCT
cjfa-12561	167	14	p.	p.	NOUN
cjfa-12561	167	15	247	247	NUM
cjfa-12561	167	16	):	):	PUNCT
cjfa-12561	167	17	�	�	PROPN
cjfa-12561	167	18	�	�	PROPN
cjfa-12561	167	19	�	�	PROPN
cjfa-12561	167	20	�	�	PROPN
cjfa-12561	167	21	�	�	PROPN
cjfa-12561	167	22	�	�	PROPN
cjfa-12561	167	23	�	�	PROPN
cjfa-12561	167	24	�	�	PROPN
cjfa-12561	167	25	�	�	PROPN
cjfa-12561	167	26	�	�	PROPN
cjfa-12561	167	27	�	�	PROPN
cjfa-12561	167	28	�	�	PROPN
cjfa-12561	167	29	�	�	PROPN
cjfa-12561	167	30	�	�	PROPN
cjfa-12561	167	31	�	�	PROPN
cjfa-12561	167	32	�	�	PROPN
cjfa-12561	167	33	�	�	PROPN
cjfa-12561	167	34	�	�	PROPN
cjfa-12561	167	35	�	�	PROPN
cjfa-12561	167	36	�	�	PROPN
cjfa-12561	167	37	�	�	PROPN
cjfa-12561	167	38	�	�	PROPN
cjfa-12561	167	39	�	�	PROPN
cjfa-12561	167	40	�	�	PROPN
cjfa-12561	167	41	�	�	PROPN
cjfa-12561	167	42	�	�	PROPN
cjfa-12561	167	43	�	�	PROPN
cjfa-12561	167	44	�	�	PROPN
cjfa-12561	167	45	�	�	PROPN
cjfa-12561	167	46	�	�	PROPN
cjfa-12561	167	47	�	�	PROPN
cjfa-12561	167	48	�	�	PROPN
cjfa-12561	167	49	�	�	PROPN
cjfa-12561	167	50	�	�	PROPN
cjfa-12561	167	51	∗	∗	NOUN
cjfa-12561	167	52	�	�	PROPN
cjfa-12561	167	53	�	�	PROPN
cjfa-12561	167	54	�	�	PROPN
cjfa-12561	167	55	�	�	PROPN
cjfa-12561	167	56	�	�	PROPN
cjfa-12561	167	57	�	�	PROPN
cjfa-12561	167	58	�	�	PROPN
cjfa-12561	167	59	�	�	PROPN
cjfa-12561	167	60	�	�	PROPN
cjfa-12561	167	61	�	�	PROPN
cjfa-12561	167	62	�	�	PROPN
cjfa-12561	167	63	�	�	PROPN
cjfa-12561	167	64	�	�	PROPN
cjfa-12561	167	65	�	�	PROPN
cjfa-12561	167	66	�	�	PROPN
cjfa-12561	167	67	�	�	PROPN
cjfa-12561	167	68	�	�	PROPN
cjfa-12561	167	69	�	�	PROPN
cjfa-12561	167	70	�	�	PROPN
cjfa-12561	167	71	�	�	PROPN
cjfa-12561	167	72	�	�	PROPN
cjfa-12561	167	73	�	�	PROPN
cjfa-12561	167	74	�	�	PROPN
cjfa-12561	167	75	�	�	PROPN
cjfa-12561	167	76	�	�	PROPN
cjfa-12561	167	77	�	�	PROPN
cjfa-12561	167	78	�	�	PROPN
cjfa-12561	167	79	�	�	PROPN
cjfa-12561	167	80	�	�	PROPN
cjfa-12561	167	81	�	�	PROPN
cjfa-12561	167	82	�	�	PROPN
cjfa-12561	167	83	�	�	PROPN
cjfa-12561	167	84	�	�	PROPN
cjfa-12561	167	85	�	�	PROPN
cjfa-12561	167	86	∗	∗	VERB
cjfa-12561	167	87	100	100	NUM
cjfa-12561	167	88	%	%	NOUN
cjfa-12561	167	89	(	(	PUNCT
cjfa-12561	167	90	5	5	NUM
cjfa-12561	167	91	)	)	PUNCT
cjfa-12561	167	92	�	�	PROPN
cjfa-12561	167	93	�	�	PROPN
cjfa-12561	167	94	�	�	PROPN
cjfa-12561	167	95	�	�	PROPN
cjfa-12561	167	96	�	�	PROPN
cjfa-12561	167	97	�	�	PROPN
cjfa-12561	167	98	�	�	PROPN
cjfa-12561	167	99	�	�	PROPN
cjfa-12561	167	100	�	�	PROPN
cjfa-12561	167	101	�	�	PROPN
cjfa-12561	167	102	�	�	PROPN
cjfa-12561	167	103	�	�	PROPN
cjfa-12561	167	104	�	�	PROPN
cjfa-12561	167	105	�	�	PROPN
cjfa-12561	167	106	�	�	PROPN
cjfa-12561	167	107	�	�	PROPN
cjfa-12561	167	108	�	�	PROPN
cjfa-12561	167	109	�	�	PROPN
cjfa-12561	167	110	�	�	PROPN
cjfa-12561	167	111	�	�	PROPN
cjfa-12561	167	112	�	�	PROPN
cjfa-12561	167	113	�	�	PROPN
cjfa-12561	167	114	�	�	PROPN
cjfa-12561	167	115	�	�	PROPN
cjfa-12561	167	116	�	�	PROPN
cjfa-12561	167	117	�	�	PROPN
cjfa-12561	167	118	�	�	PROPN
cjfa-12561	167	119	�	�	PROPN
cjfa-12561	167	120	�	�	PROPN
cjfa-12561	167	121	�	�	PROPN
cjfa-12561	167	122	�	�	PROPN
cjfa-12561	167	123	�	�	PROPN
cjfa-12561	167	124	�	�	PROPN
cjfa-12561	167	125	�	�	PROPN
cjfa-12561	167	126	�	�	PROPN
cjfa-12561	167	127	�	�	PROPN
cjfa-12561	167	128	�	�	PROPN
cjfa-12561	167	129	�	�	PROPN
cjfa-12561	167	130	�	�	PROPN
cjfa-12561	167	131	�	�	PROPN
cjfa-12561	167	132	�	�	PROPN
cjfa-12561	167	133	�	�	PROPN
cjfa-12561	167	134	�	�	PROPN
cjfa-12561	167	135	�	�	PROPN
cjfa-12561	167	136	�	�	PROPN
cjfa-12561	167	137	�	�	PROPN
cjfa-12561	167	138	�	�	PROPN
cjfa-12561	167	139	�	�	PROPN
cjfa-12561	167	140	�	�	PROPN
cjfa-12561	167	141	�	�	PROPN
cjfa-12561	167	142	�	�	PROPN
cjfa-12561	167	143	�	�	PROPN
cjfa-12561	167	144	�	�	PROPN
cjfa-12561	167	145	�	�	PROPN
cjfa-12561	167	146	�	�	PROPN
cjfa-12561	167	147	�	�	PROPN
cjfa-12561	167	148	�	�	PROPN
cjfa-12561	167	149	�	�	PROPN
cjfa-12561	167	150	�	�	PROPN
cjfa-12561	167	151	�	�	PROPN
cjfa-12561	167	152	�	�	PROPN
cjfa-12561	167	153	∗	∗	VERB
cjfa-12561	167	154	100	100	NUM
cjfa-12561	167	155	%	%	NOUN
cjfa-12561	167	156	(	(	PUNCT
cjfa-12561	167	157	6	6	NUM
cjfa-12561	167	158	)	)	PUNCT
cjfa-12561	167	159	in	in	ADP
cjfa-12561	167	160	the	the	DET
cjfa-12561	167	161	bottom	bottom	ADJ
cjfa-12561	167	162	-	-	PUNCT
cjfa-12561	167	163	up	up	ADP
cjfa-12561	167	164	models	model	NOUN
cjfa-12561	167	165	for	for	ADP
cjfa-12561	167	166	calculation	calculation	NOUN
cjfa-12561	167	167	of	of	ADP
cjfa-12561	167	168	economic	economic	ADJ
cjfa-12561	167	169	capital	capital	NOUN
cjfa-12561	167	170	is	be	AUX
cjfa-12561	167	171	used	use	VERB
cjfa-12561	167	172	value	value	NOUN
cjfa-12561	167	173	at	at	ADP
cjfa-12561	167	174	risk	risk	NOUN
cjfa-12561	167	175	.	.	PUNCT
cjfa-12561	168	1	these	these	DET
cjfa-12561	168	2	type	type	NOUN
cjfa-12561	168	3	of	of	ADP
cjfa-12561	168	4	models	model	NOUN
cjfa-12561	168	5	are	be	AUX
cjfa-12561	168	6	also	also	ADV
cjfa-12561	168	7	known	know	VERB
cjfa-12561	168	8	as	as	ADP
cjfa-12561	168	9	asset	asset	NOUN
cjfa-12561	168	10	volatility	volatility	NOUN
cjfa-12561	168	11	models	model	NOUN
cjfa-12561	168	12	.	.	PUNCT
cjfa-12561	169	1	indicators	indicator	NOUN
cjfa-12561	169	2	have	have	VERB
cjfa-12561	169	3	the	the	DET
cjfa-12561	169	4	following	follow	VERB
cjfa-12561	169	5	form	form	NOUN
cjfa-12561	169	6	(	(	PUNCT
cjfa-12561	169	7	iwanicz	iwanicz	NOUN
cjfa-12561	169	8	-	-	PUNCT
cjfa-12561	169	9	drozdowska	drozdowska	NOUN
cjfa-12561	169	10	,	,	PUNCT
cjfa-12561	169	11	2012	2012	NUM
cjfa-12561	169	12	,	,	PUNCT
cjfa-12561	169	13	pp	pp	ADJ
cjfa-12561	169	14	.	.	PUNCT
cjfa-12561	170	1	252	252	NUM
cjfa-12561	170	2	-	-	SYM
cjfa-12561	170	3	253	253	NUM
cjfa-12561	170	4	):	):	PUNCT
cjfa-12561	170	5	�	�	PROPN
cjfa-12561	170	6	�	�	PROPN
cjfa-12561	170	7	�	�	PROPN
cjfa-12561	170	8	�	�	PROPN
cjfa-12561	170	9	�	�	PROPN
cjfa-12561	170	10	�	�	PROPN
cjfa-12561	170	11	�	�	PROPN
cjfa-12561	170	12	�	�	PROPN
cjfa-12561	170	13	�	�	PROPN
cjfa-12561	170	14	�	�	PROPN
cjfa-12561	170	15	�	�	PROPN
cjfa-12561	170	16	�	�	PROPN
cjfa-12561	170	17	�	�	PROPN
cjfa-12561	170	18	�	�	PROPN
cjfa-12561	170	19	�	�	PROPN
cjfa-12561	170	20	�	�	PROPN
cjfa-12561	170	21	�	�	PROPN
cjfa-12561	170	22	�	�	PROPN
cjfa-12561	170	23	�	�	PROPN
cjfa-12561	170	24	�	�	PROPN
cjfa-12561	170	25	�	�	PROPN
cjfa-12561	170	26	�	�	PROPN
cjfa-12561	170	27	�	�	PROPN
cjfa-12561	170	28	�	�	PROPN
cjfa-12561	170	29	�	�	PROPN
cjfa-12561	170	30	�	�	PROPN
cjfa-12561	170	31	�	�	PROPN
cjfa-12561	170	32	�	�	PROPN
cjfa-12561	170	33	(	(	PUNCT
cjfa-12561	170	34	7	7	NUM
cjfa-12561	170	35	)	)	PUNCT
cjfa-12561	170	36	�	�	PROPN
cjfa-12561	170	37	�	�	PROPN
cjfa-12561	170	38	�	�	PROPN
cjfa-12561	170	39	�	�	PROPN
cjfa-12561	170	40	�	�	PROPN
cjfa-12561	170	41	�	�	PROPN
cjfa-12561	170	42	�	�	PROPN
cjfa-12561	170	43	�	�	PROPN
cjfa-12561	170	44	�	�	PROPN
cjfa-12561	170	45	�	�	PROPN
cjfa-12561	170	46	�	�	PROPN
cjfa-12561	170	47	�	�	PROPN
cjfa-12561	170	48	�	�	PROPN
cjfa-12561	170	49	�	�	PROPN
cjfa-12561	170	50	�	�	PROPN
cjfa-12561	170	51	�	�	PROPN
cjfa-12561	170	52	�	�	PROPN
cjfa-12561	170	53	�	�	PROPN
cjfa-12561	170	54	�	�	PROPN
cjfa-12561	170	55	�	�	PROPN
cjfa-12561	170	56	�	�	PROPN
cjfa-12561	170	57	�	�	PROPN
cjfa-12561	170	58	�	�	PROPN
cjfa-12561	170	59	�	�	PROPN
cjfa-12561	170	60	�	�	PROPN
cjfa-12561	170	61	�	�	PROPN
cjfa-12561	170	62	�	�	PROPN
cjfa-12561	170	63	�	�	PROPN
cjfa-12561	170	64	�	�	PROPN
cjfa-12561	170	65	�	�	PROPN
cjfa-12561	170	66	�	�	PROPN
cjfa-12561	170	67	�	�	PROPN
cjfa-12561	170	68	�	�	PROPN
cjfa-12561	170	69	�	�	PROPN
cjfa-12561	170	70	�	�	PROPN
cjfa-12561	170	71	�	�	PROPN
cjfa-12561	170	72	�	�	PROPN
cjfa-12561	170	73	�	�	PROPN
cjfa-12561	170	74	�	�	PROPN
cjfa-12561	170	75	�	�	PROPN
cjfa-12561	170	76	�	�	PROPN
cjfa-12561	170	77	�	�	PROPN
cjfa-12561	170	78	(	(	PUNCT
cjfa-12561	170	79	8)	8)	NUM
cjfa-12561	170	80	based	base	VERB
cjfa-12561	170	81	on	on	ADP
cjfa-12561	170	82	the	the	DET
cjfa-12561	170	83	above	above	ADJ
cjfa-12561	170	84	information	information	NOUN
cjfa-12561	170	85	it	it	PRON
cjfa-12561	170	86	can	can	AUX
cjfa-12561	170	87	be	be	AUX
cjfa-12561	170	88	concluded	conclude	VERB
cjfa-12561	170	89	that	that	SCONJ
cjfa-12561	170	90	there	there	PRON
cjfa-12561	170	91	is	be	VERB
cjfa-12561	170	92	no	no	DET
cjfa-12561	170	93	single	single	ADJ
cjfa-12561	170	94	,	,	PUNCT
cjfa-12561	170	95	universal	universal	ADJ
cjfa-12561	170	96	formula	formula	NOUN
cjfa-12561	170	97	for	for	ADP
cjfa-12561	170	98	rorac	rorac	NOUN
cjfa-12561	170	99	or	or	CCONJ
cjfa-12561	170	100	raroc	raroc	NOUN
cjfa-12561	170	101	.	.	PUNCT
cjfa-12561	171	1	the	the	DET
cjfa-12561	171	2	outcome	outcome	NOUN
cjfa-12561	171	3	of	of	ADP
cjfa-12561	171	4	the	the	DET
cjfa-12561	171	5	research	research	NOUN
cjfa-12561	171	6	process	process	NOUN
cjfa-12561	171	7	and	and	CCONJ
cjfa-12561	171	8	conclusions	conclusion	NOUN
cjfa-12561	171	9	rorac	rorac	NOUN
cjfa-12561	171	10	indicators	indicator	NOUN
cjfa-12561	171	11	are	be	AUX
cjfa-12561	171	12	presented	present	VERB
cjfa-12561	171	13	in	in	ADP
cjfa-12561	171	14	table	table	NOUN
cjfa-12561	171	15	1	1	NUM
cjfa-12561	171	16	.	.	PUNCT
cjfa-12561	172	1	in	in	ADP
cjfa-12561	172	2	this	this	DET
cjfa-12561	172	3	case	case	NOUN
cjfa-12561	172	4	,	,	PUNCT
cjfa-12561	172	5	rorac	rorac	NOUN
cjfa-12561	172	6	has	have	AUX
cjfa-12561	172	7	been	be	AUX
cjfa-12561	172	8	calculated	calculate	VERB
cjfa-12561	172	9	as	as	ADP
cjfa-12561	172	10	the	the	DET
cjfa-12561	172	11	ratio	ratio	NOUN
cjfa-12561	172	12	between	between	ADP
cjfa-12561	172	13	the	the	DET
cjfa-12561	172	14	net	net	ADJ
cjfa-12561	172	15	profit	profit	NOUN
cjfa-12561	172	16	and	and	CCONJ
cjfa-12561	172	17	different	different	ADJ
cjfa-12561	172	18	heights	height	NOUN
cjfa-12561	172	19	of	of	ADP
cjfa-12561	172	20	capital	capital	NOUN
cjfa-12561	172	21	in	in	ADP
cjfa-12561	172	22	the	the	DET
cjfa-12561	172	23	9	9	NUM
cjfa-12561	172	24	largest	large	ADJ
cjfa-12561	172	25	credit	credit	NOUN
cjfa-12561	172	26	institutions	institution	NOUN
cjfa-12561	172	27	in	in	ADP
cjfa-12561	172	28	poland	poland	PROPN
cjfa-12561	172	29	in	in	ADP
cjfa-12561	172	30	terms	term	NOUN
cjfa-12561	172	31	of	of	ADP
cjfa-12561	172	32	assets	asset	NOUN
cjfa-12561	172	33	on	on	ADP
cjfa-12561	172	34	a	a	DET
cjfa-12561	172	35	consolidated	consolidated	ADJ
cjfa-12561	172	36	basis	basis	NOUN
cjfa-12561	172	37	.	.	PUNCT
cjfa-12561	173	1	in	in	ADP
cjfa-12561	173	2	all	all	DET
cjfa-12561	173	3	surveyed	survey	VERB
cjfa-12561	173	4	banks	bank	NOUN
cjfa-12561	173	5	can	can	AUX
cjfa-12561	173	6	be	be	AUX
cjfa-12561	173	7	observed	observe	VERB
cjfa-12561	173	8	decreasing	decrease	VERB
cjfa-12561	173	9	trend	trend	NOUN
cjfa-12561	173	10	of	of	ADP
cjfa-12561	173	11	rorac	rorac	NOUN
cjfa-12561	173	12	.	.	PUNCT
cjfa-12561	174	1	this	this	PRON
cjfa-12561	174	2	can	can	AUX
cjfa-12561	174	3	be	be	AUX
cjfa-12561	174	4	justified	justify	VERB
cjfa-12561	174	5	by	by	ADP
cjfa-12561	174	6	the	the	DET
cjfa-12561	174	7	new	new	ADJ
cjfa-12561	174	8	regulations	regulation	NOUN
cjfa-12561	174	9	,	,	PUNCT
cjfa-12561	174	10	i.e.	i.e.	X
cjfa-12561	174	11	basel	basel	PROPN
cjfa-12561	174	12	iii	iii	PROPN
cjfa-12561	174	13	,	,	PUNCT
cjfa-12561	174	14	and	and	CCONJ
cjfa-12561	174	15	the	the	DET
cjfa-12561	174	16	consequent	consequent	ADJ
cjfa-12561	174	17	need	need	NOUN
cjfa-12561	174	18	to	to	PART
cjfa-12561	174	19	increase	increase	VERB
cjfa-12561	174	20	the	the	DET
cjfa-12561	174	21	quantity	quantity	NOUN
cjfa-12561	174	22	and	and	CCONJ
cjfa-12561	174	23	quality	quality	NOUN
cjfa-12561	174	24	of	of	ADP
cjfa-12561	174	25	own	own	ADJ
cjfa-12561	174	26	funds	fund	NOUN
cjfa-12561	174	27	of	of	ADP
cjfa-12561	174	28	credit	credit	NOUN
cjfa-12561	174	29	institutions	institution	NOUN
cjfa-12561	174	30	,	,	PUNCT
cjfa-12561	174	31	and	and	CCONJ
cjfa-12561	174	32	fuller	full	ADJ
cjfa-12561	174	33	risks	risk	NOUN
cjfa-12561	174	34	coverage	coverage	NOUN
cjfa-12561	174	35	by	by	ADP
cjfa-12561	174	36	the	the	DET
cjfa-12561	174	37	own	own	ADJ
cjfa-12561	174	38	funds	fund	NOUN
cjfa-12561	174	39	.	.	PUNCT
cjfa-12561	175	1	furthermore	furthermore	ADV
cjfa-12561	175	2	as	as	ADP
cjfa-12561	175	3	a	a	DET
cjfa-12561	175	4	result	result	NOUN
cjfa-12561	175	5	of	of	ADP
cjfa-12561	175	6	these	these	DET
cjfa-12561	175	7	calculations	calculation	NOUN
cjfa-12561	175	8	can	can	AUX
cjfa-12561	175	9	be	be	AUX
cjfa-12561	175	10	observed	observe	VERB
cjfa-12561	175	11	how	how	SCONJ
cjfa-12561	175	12	competent	competent	ADJ
cjfa-12561	175	13	supervisory	supervisory	ADJ
cjfa-12561	175	14	authorities	authority	NOUN
cjfa-12561	175	15	may	may	AUX
cjfa-12561	175	16	affect	affect	VERB
cjfa-12561	175	17	the	the	DET
cjfa-12561	175	18	bank	bank	NOUN
cjfa-12561	175	19	's	's	PART
cjfa-12561	175	20	profitability	profitability	NOUN
cjfa-12561	175	21	adjusted	adjust	VERB
cjfa-12561	175	22	for	for	ADP
cjfa-12561	175	23	risk	risk	NOUN
cjfa-12561	175	24	.	.	PUNCT
cjfa-12561	176	1	in	in	ADP
cjfa-12561	176	2	order	order	NOUN
cjfa-12561	176	3	to	to	PART
cjfa-12561	176	4	fulfil	fulfil	VERB
cjfa-12561	176	5	these	these	DET
cjfa-12561	176	6	requirements	requirement	NOUN
cjfa-12561	176	7	and	and	CCONJ
cjfa-12561	176	8	maintain	maintain	VERB
cjfa-12561	176	9	profitability	profitability	NOUN
cjfa-12561	176	10	at	at	ADP
cjfa-12561	176	11	current	current	ADJ
cjfa-12561	176	12	levels	level	NOUN
cjfa-12561	176	13	,	,	PUNCT
cjfa-12561	176	14	credit	credit	NOUN
cjfa-12561	176	15	institutions	institution	NOUN
cjfa-12561	176	16	may	may	AUX
cjfa-12561	176	17	undertake	undertake	VERB
cjfa-12561	176	18	various	various	ADJ
cjfa-12561	176	19	activities	activity	NOUN
cjfa-12561	176	20	,	,	PUNCT
cjfa-12561	176	21	such	such	ADJ
cjfa-12561	176	22	as	as	ADP
cjfa-12561	176	23	increase	increase	NOUN
cjfa-12561	176	24	capital	capital	NOUN
cjfa-12561	176	25	by	by	ADP
cjfa-12561	176	26	issuing	issue	VERB
cjfa-12561	176	27	new	new	ADJ
cjfa-12561	176	28	shares	share	NOUN
cjfa-12561	176	29	,	,	PUNCT
cjfa-12561	176	30	plough	plough	NOUN
cjfa-12561	176	31	current	current	ADJ
cjfa-12561	176	32	profit	profit	NOUN
cjfa-12561	176	33	back	back	ADV
cjfa-12561	176	34	,	,	PUNCT
cjfa-12561	176	35	or	or	CCONJ
cjfa-12561	176	36	decrease	decrease	VERB
cjfa-12561	176	37	interest	interest	NOUN
cjfa-12561	176	38	rate	rate	NOUN
cjfa-12561	176	39	on	on	ADP
cjfa-12561	176	40	deposits	deposit	NOUN
cjfa-12561	176	41	.	.	PUNCT
cjfa-12561	177	1	while	while	SCONJ
cjfa-12561	177	2	on	on	ADP
cjfa-12561	177	3	the	the	DET
cjfa-12561	177	4	assets	asset	NOUN
cjfa-12561	177	5	side	side	NOUN
cjfa-12561	177	6	they	they	PRON
cjfa-12561	177	7	can	can	AUX
cjfa-12561	177	8	reduce	reduce	VERB
cjfa-12561	177	9	credits	credit	NOUN
cjfa-12561	177	10	and	and	CCONJ
cjfa-12561	177	11	loans	loan	NOUN
cjfa-12561	177	12	supply	supply	VERB
cjfa-12561	177	13	in	in	ADP
cjfa-12561	177	14	order	order	NOUN
cjfa-12561	177	15	to	to	PART
cjfa-12561	177	16	reduce	reduce	VERB
cjfa-12561	177	17	risk	risk	NOUN
cjfa-12561	177	18	-	-	PUNCT
cjfa-12561	177	19	weighted	weight	VERB
cjfa-12561	177	20	assets	asset	NOUN
cjfa-12561	177	21	and	and	CCONJ
cjfa-12561	177	22	accordingly	accordingly	ADV
cjfa-12561	177	23	capital	capital	NOUN
cjfa-12561	177	24	requirement	requirement	NOUN
cjfa-12561	177	25	,	,	PUNCT
cjfa-12561	177	26	as	as	ADV
cjfa-12561	177	27	well	well	ADV
cjfa-12561	177	28	as	as	ADP
cjfa-12561	177	29	rise	rise	VERB
cjfa-12561	177	30	lending	lending	NOUN
cjfa-12561	177	31	rates	rate	NOUN
cjfa-12561	177	32	.	.	PUNCT
cjfa-12561	178	1	ad	ad	NOUN
cjfa-12561	178	2	.	.	PUNCT
cjfa-12561	179	1	(	(	PUNCT
cjfa-12561	179	2	8)	8)	NUM
cjfa-12561	179	3	based	base	VERB
cjfa-12561	179	4	on	on	ADP
cjfa-12561	179	5	the	the	DET
cjfa-12561	179	6	above	above	ADJ
cjfa-12561	179	7	information	information	NOUN
cjfa-12561	179	8	it	it	PRON
cjfa-12561	179	9	can	can	AUX
cjfa-12561	179	10	be	be	AUX
cjfa-12561	179	11	concluded	conclude	VERB
cjfa-12561	179	12	that	that	SCONJ
cjfa-12561	179	13	there	there	PRON
cjfa-12561	179	14	is	be	VERB
cjfa-12561	179	15	no	no	DET
cjfa-12561	179	16	single	single	ADJ
cjfa-12561	179	17	,	,	PUNCT
cjfa-12561	179	18	universal	universal	ADJ
cjfa-12561	179	19	formula	formula	NOUN
cjfa-12561	179	20	for	for	ADP
cjfa-12561	179	21	rorac	rorac	NOUN
cjfa-12561	179	22	or	or	CCONJ
cjfa-12561	179	23	raroc	raroc	NOUN
cjfa-12561	179	24	.	.	PUNCT
cjfa-12561	180	1	the	the	DET
cjfa-12561	180	2	outcome	outcome	NOUN
cjfa-12561	180	3	of	of	ADP
cjfa-12561	180	4	the	the	DET
cjfa-12561	180	5	research	research	NOUN
cjfa-12561	180	6	process	process	NOUN
cjfa-12561	180	7	and	and	CCONJ
cjfa-12561	180	8	conclusions	conclusion	NOUN
cjfa-12561	180	9	rorac	rorac	NOUN
cjfa-12561	180	10	indicators	indicator	NOUN
cjfa-12561	180	11	are	be	AUX
cjfa-12561	180	12	presented	present	VERB
cjfa-12561	180	13	in	in	ADP
cjfa-12561	180	14	table	table	NOUN
cjfa-12561	180	15	1	1	NUM
cjfa-12561	180	16	.	.	PUNCT
cjfa-12561	181	1	in	in	ADP
cjfa-12561	181	2	this	this	DET
cjfa-12561	181	3	case	case	NOUN
cjfa-12561	181	4	,	,	PUNCT
cjfa-12561	181	5	rorac	rorac	NOUN
cjfa-12561	181	6	has	have	AUX
cjfa-12561	181	7	been	be	AUX
cjfa-12561	181	8	calculated	calculate	VERB
cjfa-12561	181	9	as	as	ADP
cjfa-12561	181	10	the	the	DET
cjfa-12561	181	11	ratio	ratio	NOUN
cjfa-12561	181	12	between	between	ADP
cjfa-12561	181	13	the	the	DET
cjfa-12561	181	14	net	net	ADJ
cjfa-12561	181	15	profit	profit	NOUN
cjfa-12561	181	16	and	and	CCONJ
cjfa-12561	181	17	different	different	ADJ
cjfa-12561	181	18	heights	height	NOUN
cjfa-12561	181	19	of	of	ADP
cjfa-12561	181	20	capital	capital	NOUN
cjfa-12561	181	21	in	in	ADP
cjfa-12561	181	22	the	the	DET
cjfa-12561	181	23	9	9	NUM
cjfa-12561	181	24	largest	large	ADJ
cjfa-12561	181	25	credit	credit	NOUN
cjfa-12561	181	26	institutions	institution	NOUN
cjfa-12561	181	27	in	in	ADP
cjfa-12561	181	28	poland	poland	PROPN
cjfa-12561	181	29	in	in	ADP
cjfa-12561	181	30	terms	term	NOUN
cjfa-12561	181	31	of	of	ADP
cjfa-12561	181	32	assets	asset	NOUN
cjfa-12561	181	33	on	on	ADP
cjfa-12561	181	34	a	a	DET
cjfa-12561	181	35	consolidated	consolidated	ADJ
cjfa-12561	181	36	basis	basis	NOUN
cjfa-12561	181	37	.	.	PUNCT
cjfa-12561	182	1	in	in	ADP
cjfa-12561	182	2	all	all	DET
cjfa-12561	182	3	surveyed	survey	VERB
cjfa-12561	182	4	banks	bank	NOUN
cjfa-12561	182	5	can	can	AUX
cjfa-12561	182	6	be	be	AUX
cjfa-12561	182	7	observed	observe	VERB
cjfa-12561	182	8	decreasing	decrease	VERB
cjfa-12561	182	9	trend	trend	NOUN
cjfa-12561	182	10	of	of	ADP
cjfa-12561	182	11	rorac	rorac	NOUN
cjfa-12561	182	12	.	.	PUNCT
cjfa-12561	183	1	this	this	PRON
cjfa-12561	183	2	can	can	AUX
cjfa-12561	183	3	be	be	AUX
cjfa-12561	183	4	justified	justify	VERB
cjfa-12561	183	5	by	by	ADP
cjfa-12561	183	6	the	the	DET
cjfa-12561	183	7	new	new	ADJ
cjfa-12561	183	8	regulations	regulation	NOUN
cjfa-12561	183	9	,	,	PUNCT
cjfa-12561	183	10	i.e.	i.e.	X
cjfa-12561	183	11	basel	basel	PROPN
cjfa-12561	183	12	iii	iii	PROPN
cjfa-12561	183	13	,	,	PUNCT
cjfa-12561	183	14	and	and	CCONJ
cjfa-12561	183	15	the	the	DET
cjfa-12561	183	16	consequent	consequent	ADJ
cjfa-12561	183	17	need	need	NOUN
cjfa-12561	183	18	to	to	PART
cjfa-12561	183	19	increase	increase	VERB
cjfa-12561	183	20	the	the	DET
cjfa-12561	183	21	quantity	quantity	NOUN
cjfa-12561	183	22	and	and	CCONJ
cjfa-12561	183	23	quality	quality	NOUN
cjfa-12561	183	24	of	of	ADP
cjfa-12561	183	25	own	own	ADJ
cjfa-12561	183	26	funds	fund	NOUN
cjfa-12561	183	27	of	of	ADP
cjfa-12561	183	28	credit	credit	NOUN
cjfa-12561	183	29	institutions	institution	NOUN
cjfa-12561	183	30	,	,	PUNCT
cjfa-12561	183	31	and	and	CCONJ
cjfa-12561	183	32	fuller	full	ADJ
cjfa-12561	183	33	risks	risk	NOUN
cjfa-12561	183	34	coverage	coverage	NOUN
cjfa-12561	183	35	by	by	ADP
cjfa-12561	183	36	the	the	DET
cjfa-12561	183	37	own	own	ADJ
cjfa-12561	183	38	funds	fund	NOUN
cjfa-12561	183	39	.	.	PUNCT
cjfa-12561	184	1	furthermore	furthermore	ADV
cjfa-12561	184	2	as	as	ADP
cjfa-12561	184	3	a	a	DET
cjfa-12561	184	4	result	result	NOUN
cjfa-12561	184	5	of	of	ADP
cjfa-12561	184	6	these	these	DET
cjfa-12561	184	7	calculations	calculation	NOUN
cjfa-12561	184	8	can	can	AUX
cjfa-12561	184	9	be	be	AUX
cjfa-12561	184	10	observed	observe	VERB
cjfa-12561	184	11	how	how	SCONJ
cjfa-12561	184	12	competent	competent	ADJ
cjfa-12561	184	13	supervisory	supervisory	ADJ
cjfa-12561	184	14	authorities	authority	NOUN
cjfa-12561	184	15	may	may	AUX
cjfa-12561	184	16	affect	affect	VERB
cjfa-12561	184	17	the	the	DET
cjfa-12561	184	18	bank	bank	NOUN
cjfa-12561	184	19	’s	’s	PART
cjfa-12561	184	20	profitability	profitability	NOUN
cjfa-12561	184	21	adjusted	adjust	VERB
cjfa-12561	184	22	for	for	ADP
cjfa-12561	184	23	risk	risk	NOUN
cjfa-12561	184	24	.	.	PUNCT
cjfa-12561	185	1	in	in	ADP
cjfa-12561	185	2	order	order	NOUN
cjfa-12561	185	3	to	to	PART
cjfa-12561	185	4	fulfil	fulfil	VERB
cjfa-12561	185	5	these	these	DET
cjfa-12561	185	6	requirements	requirement	NOUN
cjfa-12561	185	7	and	and	CCONJ
cjfa-12561	185	8	maintain	maintain	VERB
cjfa-12561	185	9	profitability	profitability	NOUN
cjfa-12561	185	10	at	at	ADP
cjfa-12561	185	11	current	current	ADJ
cjfa-12561	185	12	levels	level	NOUN
cjfa-12561	185	13	,	,	PUNCT
cjfa-12561	185	14	credit	credit	NOUN
cjfa-12561	185	15	institutions	institution	NOUN
cjfa-12561	185	16	may	may	AUX
cjfa-12561	185	17	undertake	undertake	VERB
cjfa-12561	185	18	various	various	ADJ
cjfa-12561	185	19	activities	activity	NOUN
cjfa-12561	185	20	,	,	PUNCT
cjfa-12561	185	21	such	such	ADJ
cjfa-12561	185	22	as	as	ADP
cjfa-12561	185	23	increase	increase	NOUN
cjfa-12561	185	24	capital	capital	NOUN
cjfa-12561	185	25	by	by	ADP
cjfa-12561	185	26	issuing	issue	VERB
cjfa-12561	185	27	new	new	ADJ
cjfa-12561	185	28	shares	share	NOUN
cjfa-12561	185	29	,	,	PUNCT
cjfa-12561	185	30	plough	plough	NOUN
cjfa-12561	185	31	current	current	ADJ
cjfa-12561	185	32	profit	profit	NOUN
cjfa-12561	185	33	back	back	ADV
cjfa-12561	185	34	,	,	PUNCT
cjfa-12561	185	35	or	or	CCONJ
cjfa-12561	185	36	decrease	decrease	VERB
cjfa-12561	185	37	interest	interest	NOUN
cjfa-12561	185	38	rate	rate	NOUN
cjfa-12561	185	39	on	on	ADP
cjfa-12561	185	40	deposits	deposit	NOUN
cjfa-12561	185	41	.	.	PUNCT
cjfa-12561	186	1	while	while	SCONJ
cjfa-12561	186	2	on	on	ADP
cjfa-12561	186	3	the	the	DET
cjfa-12561	186	4	assets	asset	NOUN
cjfa-12561	186	5	side	side	NOUN
cjfa-12561	186	6	they	they	PRON
cjfa-12561	186	7	can	can	AUX
cjfa-12561	186	8	reduce	reduce	VERB
cjfa-12561	186	9	credits	credit	NOUN
cjfa-12561	186	10	and	and	CCONJ
cjfa-12561	186	11	loans	loan	NOUN
cjfa-12561	186	12	supply	supply	VERB
cjfa-12561	186	13	in	in	ADP
cjfa-12561	186	14	order	order	NOUN
cjfa-12561	186	15	to	to	PART
cjfa-12561	186	16	reduce	reduce	VERB
cjfa-12561	186	17	risk	risk	NOUN
cjfa-12561	186	18	-	-	PUNCT
cjfa-12561	186	19	weighted	weight	VERB
cjfa-12561	186	20	assets	asset	NOUN
cjfa-12561	186	21	and	and	CCONJ
cjfa-12561	186	22	accordingly	accordingly	ADV
cjfa-12561	186	23	capital	capital	NOUN
cjfa-12561	186	24	requirement	requirement	NOUN
cjfa-12561	186	25	,	,	PUNCT
cjfa-12561	186	26	as	as	ADV
cjfa-12561	186	27	well	well	ADV
cjfa-12561	186	28	as	as	ADP
cjfa-12561	186	29	rise	rise	VERB
cjfa-12561	186	30	lending	lending	NOUN
cjfa-12561	186	31	rates	rate	NOUN
cjfa-12561	186	32	.	.	PUNCT
cjfa-12561	187	1	additionally	additionally	ADV
cjfa-12561	187	2	,	,	PUNCT
cjfa-12561	187	3	it	it	PRON
cjfa-12561	187	4	is	be	AUX
cjfa-12561	187	5	expected	expect	VERB
cjfa-12561	187	6	employment	employment	NOUN
cjfa-12561	187	7	downsizing	downsize	VERB
cjfa-12561	187	8	.	.	PUNCT
cjfa-12561	188	1	all	all	DET
cjfa-12561	188	2	these	these	DET
cjfa-12561	188	3	factors	factor	NOUN
cjfa-12561	188	4	will	will	AUX
cjfa-12561	188	5	affect	affect	VERB
cjfa-12561	188	6	the	the	DET
cjfa-12561	188	7	real	real	ADJ
cjfa-12561	188	8	economy	economy	NOUN
cjfa-12561	188	9	.	.	PUNCT
cjfa-12561	189	1	ta	ta	X
cjfa-12561	189	2	bl	bl	PROPN
cjfa-12561	189	3	e	e	PROPN
cjfa-12561	189	4	1	1	X
cjfa-12561	189	5	.	.	PUNCT
cjfa-12561	190	1	r	r	NOUN
cjfa-12561	190	2	or	or	CCONJ
cjfa-12561	190	3	ac	ac	VERB
cjfa-12561	190	4	in	in	ADP
cjfa-12561	190	5	di	di	X
cjfa-12561	190	6	ca	ca	NOUN
cjfa-12561	190	7	to	to	ADP
cjfa-12561	190	8	r	r	PROPN
cjfa-12561	190	9	f	f	PROPN
cjfa-12561	190	10	or	or	CCONJ
cjfa-12561	190	11	th	th	X
cjfa-12561	190	12	e	e	X
cjfa-12561	190	13	9	9	NUM
cjfa-12561	190	14	la	la	DET
cjfa-12561	190	15	rg	rg	NOUN
cjfa-12561	190	16	es	es	ADP
cjfa-12561	190	17	t	t	PROPN
cjfa-12561	190	18	c	c	X
cjfa-12561	190	19	re	re	ADP
cjfa-12561	190	20	di	di	PROPN
cjfa-12561	190	21	t	t	PROPN
cjfa-12561	191	1	i	i	PRON
cjfa-12561	191	2	ns	ns	VERB
cjfa-12561	191	3	tit	tit	PROPN
cjfa-12561	191	4	ut	ut	PROPN
cjfa-12561	191	5	io	io	PROPN
cjfa-12561	191	6	ns	ns	PROPN
cjfa-12561	191	7	in	in	ADP
cjfa-12561	191	8	p	p	NOUN
cjfa-12561	191	9	ol	ol	PROPN
cjfa-12561	191	10	an	an	DET
cjfa-12561	191	11	d	d	PROPN
cjfa-12561	191	12	in	in	ADP
cjfa-12561	191	13	th	th	NUM
cjfa-12561	191	14	e	e	X
cjfa-12561	191	15	ye	ye	PROPN
cjfa-12561	191	16	ar	ar	PROPN
cjfa-12561	191	17	s	s	PROPN
cjfa-12561	191	18	2	2	NUM
cjfa-12561	191	19	01	01	NUM
cjfa-12561	191	20	3	3	NUM
cjfa-12561	191	21	–	–	PUNCT
cjfa-12561	191	22	20	20	NUM
cjfa-12561	191	23	15	15	NUM
cjfa-12561	191	24	pk	pk	NOUN
cjfa-12561	191	25	o	o	X
cjfa-12561	191	26	b	b	PROPN
cjfa-12561	191	27	an	an	DET
cjfa-12561	191	28	k	k	PROPN
cjfa-12561	191	29	po	po	NOUN
cjfa-12561	192	1	ls	ls	INTJ
cjfa-12561	192	2	ki	ki	PROPN
cjfa-12561	192	3	s	s	VERB
cjfa-12561	192	4	.a	.a	PROPN
cjfa-12561	192	5	.	.	PUNCT
cjfa-12561	193	1	ba	ba	PROPN
cjfa-12561	194	1	nk	nk	PROPN
cjfa-12561	194	2	p	p	PROPN
cjfa-12561	195	1	ek	ek	PROPN
cjfa-12561	195	2	ao	ao	PROPN
cjfa-12561	195	3	s.	s.	PROPN
cjfa-12561	195	4	a	a	PROPN
cjfa-12561	195	5	.	.	PUNCT
cjfa-12561	196	1	ba	ba	PROPN
cjfa-12561	197	1	nk	nk	PROPN
cjfa-12561	197	2	z	z	PROPN
cjfa-12561	197	3	ac	ac	PROPN
cjfa-12561	198	1	ho	ho	PROPN
cjfa-12561	199	1	dn	dn	INTJ
cjfa-12561	199	2	i	i	PROPN
cjfa-12561	199	3	w	w	VERB
cjfa-12561	199	4	bk	bk	ADP
cjfa-12561	199	5	s	s	VERB
cjfa-12561	199	6	.a	.a	NOUN
cjfa-12561	199	7	.	.	PUNCT
cjfa-12561	200	1	m	m	AUX
cjfa-12561	200	2	ba	ba	PROPN
cjfa-12561	200	3	nk	nk	PROPN
cjfa-12561	200	4	s	s	VERB
cjfa-12561	200	5	.a	.a	NOUN
cjfa-12561	200	6	.	.	PUNCT
cjfa-12561	201	1	in	in	ADP
cjfa-12561	201	2	g	g	PROPN
cjfa-12561	201	3	b	b	PROPN
cjfa-12561	201	4	an	an	DET
cjfa-12561	201	5	k	k	PROPN
cjfa-12561	201	6	śl	śl	NOUN
cjfa-12561	201	7	ąs	ąs	INTJ
cjfa-12561	202	1	ki	ki	PROPN
cjfa-12561	202	2	s	s	VERB
cjfa-12561	202	3	.a	.a	PROPN
cjfa-12561	202	4	.	.	PUNCT
cjfa-12561	203	1	g	g	PROPN
cjfa-12561	203	2	et	et	PROPN
cjfa-12561	203	3	in	in	ADP
cjfa-12561	203	4	n	n	PROPN
cjfa-12561	203	5	ob	ob	VERB
cjfa-12561	203	6	le	le	X
cjfa-12561	203	7	ba	ba	PROPN
cjfa-12561	203	8	nk	nk	PROPN
cjfa-12561	203	9	s	s	VERB
cjfa-12561	203	10	.a	.a	NOUN
cjfa-12561	203	11	.	.	PUNCT
cjfa-12561	204	1	ba	ba	PROPN
cjfa-12561	205	1	nk	nk	PROPN
cjfa-12561	205	2	m	m	PROPN
cjfa-12561	205	3	ill	ill	ADJ
cjfa-12561	205	4	eni	eni	NOUN
cjfa-12561	205	5	um	um	INTJ
cjfa-12561	205	6	s	s	VERB
cjfa-12561	205	7	.a	.a	NOUN
cjfa-12561	205	8	.	.	PUNCT
cjfa-12561	206	1	ba	ba	PROPN
cjfa-12561	207	1	nk	nk	PROPN
cjfa-12561	207	2	u	u	PROPN
cjfa-12561	207	3	g	g	PROPN
cjfa-12561	207	4	os	os	INTJ
cjfa-12561	207	5	po	po	PROPN
cjfa-12561	208	1	da	da	INTJ
cjfa-12561	208	2	rk	rk	NOUN
cjfa-12561	208	3	i	i	PRON
cjfa-12561	208	4	ży	ży	VERB
cjfa-12561	208	5	w	w	NOUN
cjfa-12561	208	6	no	no	INTJ
cjfa-12561	208	7	śc	śc	INTJ
cjfa-12561	208	8	io	io	PROPN
cjfa-12561	208	9	w	w	PROPN
cjfa-12561	208	10	ej	ej	PROPN
cjfa-12561	208	11	s.	s.	PROPN
cjfa-12561	208	12	a	a	PROPN
cjfa-12561	208	13	.	.	PUNCT
cjfa-12561	209	1	al	al	PROPN
cjfa-12561	209	2	io	io	PROPN
cjfa-12561	210	1	r	r	NOUN
cjfa-12561	210	2	ba	ba	PROPN
cjfa-12561	210	3	nk	nk	PROPN
cjfa-12561	210	4	s	s	VERB
cjfa-12561	210	5	.a	.a	NOUN
cjfa-12561	210	6	.	.	PUNCT
cjfa-12561	211	1	ba	ba	PROPN
cjfa-12561	211	2	nk	nk	PROPN
cjfa-12561	211	3	in	in	ADP
cjfa-12561	211	4	g	g	PROPN
cjfa-12561	211	5	se	se	PROPN
cjfa-12561	211	6	ct	ct	PROPN
cjfa-12561	211	7	or	or	CCONJ
cjfa-12561	211	8	ro	ro	INTJ
cjfa-12561	212	1	ra	ra	NOUN
cjfa-12561	212	2	c	c	NOUN
cjfa-12561	213	1	i	i	PRON
cjfa-12561	213	2	=	=	SYM
cjfa-12561	213	3	n	n	VERB
cjfa-12561	213	4	et	et	NOUN
cjfa-12561	213	5	p	p	X
cjfa-12561	213	6	ro	ro	X
cjfa-12561	213	7	fit	fit	PROPN
cjfa-12561	213	8	/	/	SYM
cjfa-12561	213	9	m	m	VERB
cjfa-12561	213	10	in	in	ADP
cjfa-12561	213	11	i	i	PRON
cjfa-12561	213	12	m	m	VERB
cjfa-12561	213	13	um	um	INTJ
cjfa-12561	213	14	c	c	NOUN
cjfa-12561	213	15	ap	ap	PROPN
cjfa-12561	214	1	ita	ita	PROPN
cjfa-12561	214	2	l	l	NOUN
cjfa-12561	214	3	r	r	NOUN
cjfa-12561	214	4	eq	eq	X
cjfa-12561	214	5	ui	ui	PROPN
cjfa-12561	214	6	re	re	VERB
cjfa-12561	214	7	m	m	PROPN
cjfa-12561	214	8	en	en	ADP
cjfa-12561	214	9	t	t	PROPN
cjfa-12561	214	10	(	(	PUNCT
cjfa-12561	214	11	8	8	NUM
cjfa-12561	214	12	%	%	NOUN
cjfa-12561	214	13	)	)	PUNCT
cjfa-12561	214	14	•	•	ADV
cjfa-12561	214	15	1	1	NUM
cjfa-12561	214	16	00	00	NUM
cjfa-12561	214	17	%	%	NOUN
cjfa-12561	214	18	20	20	NUM
cjfa-12561	214	19	15	15	NUM
cjfa-12561	214	20	17	17	NUM
cjfa-12561	214	21	,	,	PUNCT
cjfa-12561	214	22	5	5	NUM
cjfa-12561	214	23	9	9	NUM
cjfa-12561	214	24	%	%	NOUN
cjfa-12561	214	25	25	25	NUM
cjfa-12561	214	26	,	,	PUNCT
cjfa-12561	214	27	0	0	NUM
cjfa-12561	214	28	5	5	NUM
cjfa-12561	214	29	%	%	NOUN
cjfa-12561	214	30	28	28	NUM
cjfa-12561	214	31	,	,	PUNCT
cjfa-12561	214	32	9	9	NUM
cjfa-12561	214	33	8	8	NUM
cjfa-12561	214	34	%	%	NOUN
cjfa-12561	214	35	23	23	NUM
cjfa-12561	214	36	,	,	PUNCT
cjfa-12561	214	37	4	4	NUM
cjfa-12561	214	38	4	4	NUM
cjfa-12561	214	39	%	%	NOUN
cjfa-12561	214	40	24	24	NUM
cjfa-12561	214	41	,	,	PUNCT
cjfa-12561	214	42	4	4	NUM
cjfa-12561	214	43	4	4	NUM
cjfa-12561	214	44	%	%	NOUN
cjfa-12561	214	45	1	1	NUM
cjfa-12561	214	46	,	,	PUNCT
cjfa-12561	214	47	49	49	NUM
cjfa-12561	214	48	%	%	NOUN
cjfa-12561	214	49	18	18	NUM
cjfa-12561	214	50	,	,	PUNCT
cjfa-12561	214	51	4	4	NUM
cjfa-12561	214	52	0	0	NUM
cjfa-12561	214	53	%	%	NOUN
cjfa-12561	214	54	0	0	NUM
cjfa-12561	214	55	,	,	PUNCT
cjfa-12561	214	56	33	33	NUM
cjfa-12561	214	57	%	%	NOUN
cjfa-12561	214	58	12	12	NUM
cjfa-12561	214	59	,	,	PUNCT
cjfa-12561	214	60	5	5	NUM
cjfa-12561	214	61	7	7	NUM
cjfa-12561	214	62	%	%	NOUN
cjfa-12561	214	63	–	–	PUNCT
cjfa-12561	214	64	20	20	NUM
cjfa-12561	214	65	14	14	NUM
cjfa-12561	214	66	21	21	NUM
cjfa-12561	214	67	,	,	PUNCT
cjfa-12561	214	68	3	3	NUM
cjfa-12561	214	69	1	1	NUM
cjfa-12561	214	70	%	%	NOUN
cjfa-12561	214	71	29	29	NUM
cjfa-12561	214	72	,	,	PUNCT
cjfa-12561	214	73	3	3	NUM
cjfa-12561	214	74	7	7	NUM
cjfa-12561	214	75	%	%	NOUN
cjfa-12561	214	76	25	25	NUM
cjfa-12561	214	77	,	,	PUNCT
cjfa-12561	214	78	3	3	NUM
cjfa-12561	214	79	3	3	NUM
cjfa-12561	214	80	%	%	NOUN
cjfa-12561	214	81	24	24	NUM
cjfa-12561	214	82	,	,	PUNCT
cjfa-12561	214	83	1	1	NUM
cjfa-12561	214	84	9	9	NUM
cjfa-12561	214	85	%	%	NOUN
cjfa-12561	214	86	26	26	NUM
cjfa-12561	214	87	,	,	PUNCT
cjfa-12561	214	88	4	4	NUM
cjfa-12561	214	89	1	1	NUM
cjfa-12561	214	90	%	%	NOUN
cjfa-12561	214	91	8	8	NUM
cjfa-12561	214	92	,	,	PUNCT
cjfa-12561	214	93	82	82	NUM
cjfa-12561	214	94	%	%	NOUN
cjfa-12561	214	95	23	23	NUM
cjfa-12561	214	96	,	,	PUNCT
cjfa-12561	214	97	0	0	NUM
cjfa-12561	214	98	8	8	NUM
cjfa-12561	214	99	%	%	NOUN
cjfa-12561	214	100	6	6	NUM
cjfa-12561	214	101	,	,	PUNCT
cjfa-12561	214	102	09	09	NUM
cjfa-12561	214	103	%	%	NOUN
cjfa-12561	214	104	17	17	NUM
cjfa-12561	214	105	,	,	PUNCT
cjfa-12561	214	106	4	4	NUM
cjfa-12561	214	107	6	6	NUM
cjfa-12561	214	108	%	%	NOUN
cjfa-12561	214	109	–	–	PUNCT
cjfa-12561	214	110	20	20	NUM
cjfa-12561	214	111	13	13	NUM
cjfa-12561	214	112	25	25	NUM
cjfa-12561	214	113	,	,	PUNCT
cjfa-12561	214	114	7	7	NUM
cjfa-12561	214	115	3	3	NUM
cjfa-12561	214	116	%	%	NOUN
cjfa-12561	214	117	32	32	NUM
cjfa-12561	214	118	,	,	PUNCT
cjfa-12561	214	119	2	2	NUM
cjfa-12561	214	120	9	9	NUM
cjfa-12561	214	121	%	%	NOUN
cjfa-12561	214	122	30	30	NUM
cjfa-12561	214	123	,	,	PUNCT
cjfa-12561	214	124	1	1	NUM
cjfa-12561	214	125	0	0	NUM
cjfa-12561	214	126	%	%	NOUN
cjfa-12561	214	127	25	25	NUM
cjfa-12561	214	128	,	,	PUNCT
cjfa-12561	214	129	6	6	NUM
cjfa-12561	214	130	9	9	NUM
cjfa-12561	214	131	%	%	NOUN
cjfa-12561	214	132	28	28	NUM
cjfa-12561	214	133	,	,	PUNCT
cjfa-12561	214	134	5	5	NUM
cjfa-12561	214	135	1	1	NUM
cjfa-12561	214	136	%	%	NOUN
cjfa-12561	214	137	10	10	NUM
cjfa-12561	214	138	,	,	PUNCT
cjfa-12561	214	139	6	6	NUM
cjfa-12561	214	140	1	1	NUM
cjfa-12561	214	141	%	%	NOUN
cjfa-12561	214	142	18	18	NUM
cjfa-12561	214	143	,	,	PUNCT
cjfa-12561	214	144	2	2	NUM
cjfa-12561	214	145	7	7	NUM
cjfa-12561	214	146	%	%	NOUN
cjfa-12561	214	147	–	–	PUNCT
cjfa-12561	214	148	14	14	NUM
cjfa-12561	214	149	,	,	PUNCT
cjfa-12561	214	150	7	7	NUM
cjfa-12561	214	151	7	7	NUM
cjfa-12561	214	152	%	%	NOUN
cjfa-12561	214	153	–	–	PUNCT
cjfa-12561	214	154	ro	ro	INTJ
cjfa-12561	215	1	ra	ra	PROPN
cjfa-12561	215	2	c	c	PROPN
cjfa-12561	215	3	ii	ii	PROPN
cjfa-12561	215	4	=	=	SYM
cjfa-12561	216	1	n	n	PART
cjfa-12561	216	2	et	et	NOUN
cjfa-12561	216	3	p	p	X
cjfa-12561	216	4	ro	ro	X
cjfa-12561	216	5	fit	fit	PROPN
cjfa-12561	216	6	/	/	SYM
cjfa-12561	216	7	re	re	X
cjfa-12561	216	8	co	co	NOUN
cjfa-12561	216	9	m	m	VERB
cjfa-12561	216	10	m	m	VERB
cjfa-12561	216	11	en	en	X
cjfa-12561	216	12	de	de	PROPN
cjfa-12561	216	13	d	d	PROPN
cjfa-12561	216	14	ca	can	AUX
cjfa-12561	216	15	pi	pi	NOUN
cjfa-12561	216	16	ta	ta	ADP
cjfa-12561	216	17	l	l	NOUN
cjfa-12561	216	18	r	r	NOUN
cjfa-12561	216	19	eq	eq	X
cjfa-12561	216	20	ui	ui	PROPN
cjfa-12561	216	21	re	re	VERB
cjfa-12561	216	22	m	m	PROPN
cjfa-12561	216	23	en	en	ADP
cjfa-12561	216	24	t	t	PROPN
cjfa-12561	217	1	b	b	PROPN
cjfa-12561	217	2	y	y	X
cjfa-12561	217	3	th	th	X
cjfa-12561	217	4	e	e	X
cjfa-12561	217	5	po	po	X
cjfa-12561	217	6	lis	lis	PROPN
cjfa-12561	217	7	h	h	NOUN
cjfa-12561	217	8	fi	fi	NOUN
cjfa-12561	217	9	na	na	PROPN
cjfa-12561	217	10	nc	nc	PROPN
cjfa-12561	217	11	ia	ia	PROPN
cjfa-12561	217	12	l	l	PROPN
cjfa-12561	217	13	s	s	PART
cjfa-12561	217	14	up	up	ADV
cjfa-12561	217	15	er	er	INTJ
cjfa-12561	217	16	vi	vi	NOUN
cjfa-12561	217	17	si	si	NOUN
cjfa-12561	217	18	on	on	ADP
cjfa-12561	217	19	c	c	PROPN
cjfa-12561	217	20	om	om	PROPN
cjfa-12561	217	21	m	m	VERB
cjfa-12561	217	22	is	be	AUX
cjfa-12561	217	23	si	si	NOUN
cjfa-12561	217	24	on	on	ADP
cjfa-12561	217	25	•	•	NUM
cjfa-12561	217	26	1	1	NUM
cjfa-12561	217	27	00	00	NUM
cjfa-12561	217	28	%	%	NOUN
cjfa-12561	218	1	20	20	NUM
cjfa-12561	218	2	15	15	NUM
cjfa-12561	218	3	11	11	NUM
cjfa-12561	218	4	,	,	PUNCT
cjfa-12561	218	5	0	0	NUM
cjfa-12561	218	6	3	3	NUM
cjfa-12561	218	7	%	%	NOUN
cjfa-12561	218	8	16	16	NUM
cjfa-12561	218	9	,	,	PUNCT
cjfa-12561	218	10	7	7	NUM
cjfa-12561	218	11	0	0	NUM
cjfa-12561	218	12	%	%	NOUN
cjfa-12561	218	13	18	18	NUM
cjfa-12561	218	14	,	,	PUNCT
cjfa-12561	218	15	2	2	NUM
cjfa-12561	218	16	3	3	NUM
cjfa-12561	218	17	%	%	NOUN
cjfa-12561	218	18	11	11	NUM
cjfa-12561	218	19	,	,	PUNCT
cjfa-12561	218	20	4	4	NUM
cjfa-12561	218	21	4	4	NUM
cjfa-12561	218	22	%	%	NOUN
cjfa-12561	218	23	16	16	NUM
cjfa-12561	218	24	,	,	PUNCT
cjfa-12561	218	25	3	3	NUM
cjfa-12561	218	26	0	0	NUM
cjfa-12561	218	27	%	%	NOUN
cjfa-12561	218	28	0	0	NUM
cjfa-12561	218	29	,	,	PUNCT
cjfa-12561	218	30	85	85	NUM
cjfa-12561	218	31	%	%	NOUN
cjfa-12561	218	32	9	9	NUM
cjfa-12561	218	33	,	,	PUNCT
cjfa-12561	218	34	30	30	NUM
cjfa-12561	218	35	%	%	NOUN
cjfa-12561	218	36	0	0	NUM
cjfa-12561	218	37	,	,	PUNCT
cjfa-12561	218	38	21	21	NUM
cjfa-12561	218	39	%	%	NOUN
cjfa-12561	218	40	8	8	NUM
cjfa-12561	218	41	,	,	PUNCT
cjfa-12561	218	42	38	38	NUM
cjfa-12561	218	43	%	%	NOUN
cjfa-12561	218	44	–	–	PUNCT
cjfa-12561	218	45	20	20	NUM
cjfa-12561	218	46	14	14	NUM
cjfa-12561	218	47	14	14	NUM
cjfa-12561	218	48	,	,	PUNCT
cjfa-12561	218	49	2	2	NUM
cjfa-12561	218	50	1	1	NUM
cjfa-12561	218	51	%	%	NOUN
cjfa-12561	218	52	19	19	NUM
cjfa-12561	218	53	,	,	PUNCT
cjfa-12561	218	54	5	5	NUM
cjfa-12561	218	55	8	8	NUM
cjfa-12561	218	56	%	%	NOUN
cjfa-12561	218	57	16	16	NUM
cjfa-12561	218	58	,	,	PUNCT
cjfa-12561	218	59	8	8	NUM
cjfa-12561	218	60	9	9	NUM
cjfa-12561	218	61	%	%	NOUN
cjfa-12561	218	62	16	16	NUM
cjfa-12561	218	63	,	,	PUNCT
cjfa-12561	218	64	1	1	NUM
cjfa-12561	218	65	2	2	NUM
cjfa-12561	218	66	%	%	NOUN
cjfa-12561	218	67	17	17	NUM
cjfa-12561	218	68	,	,	PUNCT
cjfa-12561	218	69	6	6	NUM
cjfa-12561	218	70	0	0	NUM
cjfa-12561	218	71	%	%	NOUN
cjfa-12561	218	72	5	5	NUM
cjfa-12561	218	73	,	,	PUNCT
cjfa-12561	218	74	88	88	NUM
cjfa-12561	218	75	%	%	NOUN
cjfa-12561	218	76	15	15	NUM
cjfa-12561	218	77	,	,	PUNCT
cjfa-12561	218	78	3	3	NUM
cjfa-12561	218	79	9	9	NUM
cjfa-12561	218	80	%	%	NOUN
cjfa-12561	218	81	4	4	NUM
cjfa-12561	218	82	,	,	PUNCT
cjfa-12561	218	83	06	06	NUM
cjfa-12561	218	84	%	%	NOUN
cjfa-12561	218	85	11	11	NUM
cjfa-12561	218	86	,	,	PUNCT
cjfa-12561	218	87	6	6	NUM
cjfa-12561	218	88	4	4	NUM
cjfa-12561	218	89	%	%	NOUN
cjfa-12561	218	90	–	–	PUNCT
cjfa-12561	218	91	ro	ro	INTJ
cjfa-12561	219	1	ra	ra	PROPN
cjfa-12561	219	2	c	c	PROPN
cjfa-12561	219	3	iii	iii	X
cjfa-12561	220	1	=	=	SYM
cjfa-12561	220	2	n	n	PART
cjfa-12561	220	3	et	et	NOUN
cjfa-12561	220	4	p	p	X
cjfa-12561	220	5	ro	ro	X
cjfa-12561	220	6	fit	fit	PROPN
cjfa-12561	220	7	/	/	SYM
cjfa-12561	220	8	th	th	X
cjfa-12561	220	9	e	e	NOUN
cjfa-12561	220	10	ac	ac	PROPN
cjfa-12561	220	11	tu	tu	PROPN
cjfa-12561	220	12	al	al	PROPN
cjfa-12561	220	13	a	a	PROPN
cjfa-12561	220	14	m	m	VERB
cjfa-12561	220	15	ou	ou	NOUN
cjfa-12561	220	16	nt	not	PART
cjfa-12561	220	17	o	o	NOUN
cjfa-12561	220	18	f	f	X
cjfa-12561	220	19	o	o	X
cjfa-12561	220	20	w	w	PROPN
cjfa-12561	220	21	n	n	VERB
cjfa-12561	220	22	fu	fu	NOUN
cjfa-12561	220	23	nd	nd	NOUN
cjfa-12561	220	24	s	s	PART
cjfa-12561	220	25	•	•	ADV
cjfa-12561	220	26	1	1	NUM
cjfa-12561	220	27	00	00	NUM
cjfa-12561	220	28	%	%	NOUN
cjfa-12561	221	1	20	20	NUM
cjfa-12561	221	2	15	15	NUM
cjfa-12561	221	3	9	9	NUM
cjfa-12561	221	4	,	,	PUNCT
cjfa-12561	221	5	63	63	NUM
cjfa-12561	221	6	%	%	NOUN
cjfa-12561	221	7	11	11	NUM
cjfa-12561	221	8	,	,	PUNCT
cjfa-12561	221	9	3	3	NUM
cjfa-12561	221	10	5	5	NUM
cjfa-12561	221	11	%	%	NOUN
cjfa-12561	221	12	15	15	NUM
cjfa-12561	221	13	,	,	PUNCT
cjfa-12561	221	14	8	8	NUM
cjfa-12561	221	15	6	6	NUM
cjfa-12561	221	16	%	%	NOUN
cjfa-12561	221	17	10	10	NUM
cjfa-12561	221	18	,	,	PUNCT
cjfa-12561	221	19	8	8	NUM
cjfa-12561	221	20	7	7	NUM
cjfa-12561	221	21	%	%	NOUN
cjfa-12561	221	22	14	14	NUM
cjfa-12561	221	23	,	,	PUNCT
cjfa-12561	221	24	2	2	NUM
cjfa-12561	221	25	3	3	NUM
cjfa-12561	221	26	%	%	NOUN
cjfa-12561	221	27	0	0	NUM
cjfa-12561	221	28	,	,	PUNCT
cjfa-12561	221	29	83	83	NUM
cjfa-12561	221	30	%	%	NOUN
cjfa-12561	221	31	8	8	NUM
cjfa-12561	221	32	,	,	PUNCT
cjfa-12561	221	33	80	80	NUM
cjfa-12561	221	34	%	%	NOUN
cjfa-12561	221	35	0	0	NUM
cjfa-12561	221	36	,	,	PUNCT
cjfa-12561	221	37	20	20	NUM
cjfa-12561	221	38	%	%	NOUN
cjfa-12561	221	39	8	8	NUM
cjfa-12561	221	40	,	,	PUNCT
cjfa-12561	221	41	02	02	NUM
cjfa-12561	221	42	%	%	NOUN
cjfa-12561	221	43	7	7	NUM
cjfa-12561	221	44	,	,	PUNCT
cjfa-12561	221	45	20	20	NUM
cjfa-12561	221	46	%	%	NOUN
cjfa-12561	221	47	20	20	NUM
cjfa-12561	221	48	14	14	NUM
cjfa-12561	221	49	13	13	NUM
cjfa-12561	221	50	,	,	PUNCT
cjfa-12561	221	51	1	1	NUM
cjfa-12561	221	52	5	5	NUM
cjfa-12561	221	53	%	%	NOUN
cjfa-12561	221	54	13	13	NUM
cjfa-12561	221	55	,	,	PUNCT
cjfa-12561	221	56	5	5	NUM
cjfa-12561	221	57	8	8	NUM
cjfa-12561	221	58	%	%	NOUN
cjfa-12561	221	59	15	15	NUM
cjfa-12561	221	60	,	,	PUNCT
cjfa-12561	221	61	6	6	NUM
cjfa-12561	221	62	9	9	NUM
cjfa-12561	221	63	%	%	NOUN
cjfa-12561	221	64	13	13	NUM
cjfa-12561	221	65	,	,	PUNCT
cjfa-12561	221	66	2	2	NUM
cjfa-12561	221	67	0	0	NUM
cjfa-12561	221	68	%	%	NOUN
cjfa-12561	221	69	14	14	NUM
cjfa-12561	221	70	,	,	PUNCT
cjfa-12561	221	71	9	9	NUM
cjfa-12561	221	72	0	0	NUM
cjfa-12561	221	73	%	%	NOUN
cjfa-12561	221	74	5	5	NUM
cjfa-12561	221	75	,	,	PUNCT
cjfa-12561	221	76	40	40	NUM
cjfa-12561	221	77	%	%	NOUN
cjfa-12561	221	78	12	12	NUM
cjfa-12561	221	79	,	,	PUNCT
cjfa-12561	221	80	1	1	NUM
cjfa-12561	221	81	2	2	NUM
cjfa-12561	221	82	%	%	NOUN
cjfa-12561	221	83	3	3	NUM
cjfa-12561	221	84	,	,	PUNCT
cjfa-12561	221	85	52	52	NUM
cjfa-12561	221	86	%	%	NOUN
cjfa-12561	221	87	10	10	NUM
cjfa-12561	221	88	,	,	PUNCT
cjfa-12561	221	89	9	9	NUM
cjfa-12561	221	90	1	1	NUM
cjfa-12561	221	91	%	%	NOUN
cjfa-12561	221	92	10	10	NUM
cjfa-12561	221	93	,	,	PUNCT
cjfa-12561	221	94	9	9	NUM
cjfa-12561	221	95	3	3	NUM
cjfa-12561	221	96	%	%	NOUN
cjfa-12561	221	97	20	20	NUM
cjfa-12561	221	98	13	13	NUM
cjfa-12561	221	99	15	15	NUM
cjfa-12561	221	100	,	,	PUNCT
cjfa-12561	221	101	1	1	NUM
cjfa-12561	221	102	6	6	NUM
cjfa-12561	221	103	%	%	NOUN
cjfa-12561	221	104	14	14	NUM
cjfa-12561	221	105	,	,	PUNCT
cjfa-12561	221	106	0	0	NUM
cjfa-12561	221	107	9	9	NUM
cjfa-12561	221	108	%	%	NOUN
cjfa-12561	221	109	17	17	NUM
cjfa-12561	221	110	,	,	PUNCT
cjfa-12561	221	111	3	3	NUM
cjfa-12561	221	112	0	0	NUM
cjfa-12561	221	113	%	%	NOUN
cjfa-12561	221	114	10	10	NUM
cjfa-12561	221	115	,	,	PUNCT
cjfa-12561	221	116	6	6	NUM
cjfa-12561	221	117	1	1	NUM
cjfa-12561	221	118	%	%	NOUN
cjfa-12561	221	119	13	13	NUM
cjfa-12561	221	120	,	,	PUNCT
cjfa-12561	221	121	2	2	NUM
cjfa-12561	221	122	0	0	NUM
cjfa-12561	221	123	%	%	NOUN
cjfa-12561	221	124	6	6	NUM
cjfa-12561	221	125	,	,	PUNCT
cjfa-12561	221	126	86	86	NUM
cjfa-12561	221	127	%	%	NOUN
cjfa-12561	221	128	10	10	NUM
cjfa-12561	221	129	,	,	PUNCT
cjfa-12561	221	130	0	0	NUM
cjfa-12561	221	131	6	6	NUM
cjfa-12561	221	132	%	%	NOUN
cjfa-12561	221	133	–	–	PUNCT
cjfa-12561	221	134	9	9	NUM
cjfa-12561	221	135	,	,	PUNCT
cjfa-12561	221	136	75	75	NUM
cjfa-12561	221	137	%	%	NOUN
cjfa-12561	221	138	10	10	NUM
cjfa-12561	221	139	,	,	PUNCT
cjfa-12561	221	140	4	4	NUM
cjfa-12561	221	141	1	1	NUM
cjfa-12561	221	142	%	%	NOUN
cjfa-12561	221	143	s	s	PART
cjfa-12561	221	144	o	o	X
cjfa-12561	221	145	u	u	NOUN
cjfa-12561	221	146	rc	rc	PROPN
cjfa-12561	221	147	e	e	NOUN
cjfa-12561	221	148	:	:	PUNCT
cjfa-12561	221	149	o	o	X
cjfa-12561	221	150	w	w	PROPN
cjfa-12561	221	151	n	n	PROPN
cjfa-12561	221	152	st	st	PROPN
cjfa-12561	221	153	ud	ud	PROPN
cjfa-12561	221	154	y.	y.	PROPN
cjfa-12561	221	155	michał	michał	PROPN
cjfa-12561	221	156	boda52	boda52	PROPN
cjfa-12561	221	157	hurdle	hurdle	PROPN
cjfa-12561	221	158	rate	rate	NOUN
cjfa-12561	221	159	represents	represent	VERB
cjfa-12561	221	160	the	the	DET
cjfa-12561	221	161	minimum	minimum	ADJ
cjfa-12561	221	162	interest	interest	NOUN
cjfa-12561	221	163	rate	rate	NOUN
cjfa-12561	221	164	,	,	PUNCT
cjfa-12561	221	165	which	which	PRON
cjfa-12561	221	166	should	should	AUX
cjfa-12561	221	167	be	be	AUX
cjfa-12561	221	168	achieved	achieve	VERB
cjfa-12561	221	169	by	by	ADP
cjfa-12561	221	170	the	the	DET
cjfa-12561	221	171	entity	entity	NOUN
cjfa-12561	221	172	,	,	PUNCT
cjfa-12561	221	173	business	business	NOUN
cjfa-12561	221	174	line	line	NOUN
cjfa-12561	221	175	or	or	CCONJ
cjfa-12561	221	176	individual	individual	ADJ
cjfa-12561	221	177	operations	operation	NOUN
cjfa-12561	221	178	in	in	ADP
cjfa-12561	221	179	order	order	NOUN
cjfa-12561	221	180	to	to	PART
cjfa-12561	221	181	create	create	VERB
cjfa-12561	221	182	economic	economic	ADJ
cjfa-12561	221	183	profit	profit	NOUN
cjfa-12561	221	184	.	.	PUNCT
cjfa-12561	222	1	it	it	PRON
cjfa-12561	222	2	should	should	AUX
cjfa-12561	222	3	be	be	AUX
cjfa-12561	222	4	noted	note	VERB
cjfa-12561	222	5	that	that	SCONJ
cjfa-12561	222	6	the	the	DET
cjfa-12561	222	7	hurdle	hurdle	NOUN
cjfa-12561	222	8	rate	rate	NOUN
cjfa-12561	222	9	is	be	AUX
cjfa-12561	222	10	also	also	ADV
cjfa-12561	222	11	sometimes	sometimes	ADV
cjfa-12561	222	12	called	call	VERB
cjfa-12561	222	13	the	the	DET
cjfa-12561	222	14	minimum	minimum	ADJ
cjfa-12561	222	15	acceptable	acceptable	ADJ
cjfa-12561	222	16	rate	rate	NOUN
cjfa-12561	222	17	of	of	ADP
cjfa-12561	222	18	return	return	NOUN
cjfa-12561	222	19	on	on	ADP
cjfa-12561	222	20	a	a	DET
cjfa-12561	222	21	project	project	NOUN
cjfa-12561	222	22	(	(	PUNCT
cjfa-12561	222	23	marr	marr	ADJ
cjfa-12561	222	24	)	)	PUNCT
cjfa-12561	222	25	.	.	PUNCT
cjfa-12561	223	1	to	to	PART
cjfa-12561	223	2	present	present	VERB
cjfa-12561	223	3	how	how	SCONJ
cjfa-12561	223	4	hurdle	hurdle	NOUN
cjfa-12561	223	5	rate	rate	NOUN
cjfa-12561	223	6	works	work	VERB
cjfa-12561	223	7	,	,	PUNCT
cjfa-12561	223	8	a	a	DET
cjfa-12561	223	9	5	5	NUM
cjfa-12561	223	10	different	different	ADJ
cjfa-12561	223	11	cases	case	NOUN
cjfa-12561	223	12	are	be	AUX
cjfa-12561	223	13	presented	present	VERB
cjfa-12561	223	14	in	in	ADP
cjfa-12561	223	15	table	table	NOUN
cjfa-12561	223	16	2	2	NUM
cjfa-12561	223	17	.	.	PUNCT
cjfa-12561	224	1	in	in	ADP
cjfa-12561	224	2	the	the	DET
cjfa-12561	224	3	first	first	ADJ
cjfa-12561	224	4	three	three	NUM
cjfa-12561	224	5	cases	case	NOUN
cjfa-12561	224	6	,	,	PUNCT
cjfa-12561	224	7	the	the	DET
cjfa-12561	224	8	dividend	dividend	NOUN
cjfa-12561	224	9	ratio	ratio	NOUN
cjfa-12561	224	10	is	be	AUX
cjfa-12561	224	11	fixed	fix	VERB
cjfa-12561	224	12	at	at	ADP
cjfa-12561	224	13	30	30	NUM
cjfa-12561	224	14	%	%	NOUN
cjfa-12561	224	15	,	,	PUNCT
cjfa-12561	224	16	while	while	SCONJ
cjfa-12561	224	17	the	the	DET
cjfa-12561	224	18	requirements	requirement	NOUN
cjfa-12561	224	19	in	in	ADP
cjfa-12561	224	20	respect	respect	NOUN
cjfa-12561	224	21	of	of	ADP
cjfa-12561	224	22	rwa	rwa	PROPN
cjfa-12561	224	23	are	be	AUX
cjfa-12561	224	24	at	at	ADP
cjfa-12561	224	25	a	a	DET
cjfa-12561	224	26	different	different	ADJ
cjfa-12561	224	27	level	level	NOUN
cjfa-12561	224	28	in	in	ADP
cjfa-12561	224	29	each	each	DET
cjfa-12561	224	30	case	case	NOUN
cjfa-12561	224	31	.	.	PUNCT
cjfa-12561	225	1	depending	depend	VERB
cjfa-12561	225	2	on	on	ADP
cjfa-12561	225	3	the	the	DET
cjfa-12561	225	4	risk	risk	NOUN
cjfa-12561	225	5	taken	take	VERB
cjfa-12561	225	6	by	by	ADP
cjfa-12561	225	7	a	a	DET
cjfa-12561	225	8	bank	bank	NOUN
cjfa-12561	225	9	and	and	CCONJ
cjfa-12561	225	10	the	the	DET
cjfa-12561	225	11	method	method	NOUN
cjfa-12561	225	12	used	use	VERB
cjfa-12561	225	13	for	for	ADP
cjfa-12561	225	14	estimating	estimate	VERB
cjfa-12561	225	15	rwa	rwa	PROPN
cjfa-12561	225	16	(	(	PUNCT
cjfa-12561	225	17	standard	standard	ADJ
cjfa-12561	225	18	method	method	NOUN
cjfa-12561	225	19	or	or	CCONJ
cjfa-12561	225	20	internal	internal	ADJ
cjfa-12561	225	21	ratings	rating	NOUN
cjfa-12561	225	22	based	base	VERB
cjfa-12561	225	23	approach	approach	NOUN
cjfa-12561	225	24	)	)	PUNCT
cjfa-12561	225	25	,	,	PUNCT
cjfa-12561	225	26	the	the	DET
cjfa-12561	225	27	hurdle	hurdle	NOUN
cjfa-12561	225	28	rates	rate	NOUN
cjfa-12561	225	29	(	(	PUNCT
cjfa-12561	225	30	i.e.	i.e.	X
cjfa-12561	225	31	the	the	DET
cjfa-12561	225	32	minimum	minimum	ADJ
cjfa-12561	225	33	interest	interest	NOUN
cjfa-12561	225	34	rate	rate	NOUN
cjfa-12561	225	35	of	of	ADP
cjfa-12561	225	36	the	the	DET
cjfa-12561	225	37	product	product	NOUN
cjfa-12561	225	38	)	)	PUNCT
cjfa-12561	225	39	change	change	VERB
cjfa-12561	225	40	their	their	PRON
cjfa-12561	225	41	value	value	NOUN
cjfa-12561	225	42	.	.	PUNCT
cjfa-12561	226	1	in	in	ADP
cjfa-12561	226	2	two	two	NUM
cjfa-12561	226	3	other	other	ADJ
cjfa-12561	226	4	cases	case	NOUN
cjfa-12561	226	5	,	,	PUNCT
cjfa-12561	226	6	i.e.	i.e.	X
cjfa-12561	226	7	in	in	ADP
cjfa-12561	226	8	the	the	DET
cjfa-12561	226	9	fourth	fourth	ADJ
cjfa-12561	226	10	and	and	CCONJ
cjfa-12561	226	11	fifth	fifth	ADJ
cjfa-12561	226	12	,	,	PUNCT
cjfa-12561	226	13	both	both	PRON
cjfa-12561	226	14	dividend	dividend	NOUN
cjfa-12561	226	15	ratio	ratio	NOUN
cjfa-12561	226	16	and	and	CCONJ
cjfa-12561	226	17	requirements	requirement	NOUN
cjfa-12561	226	18	in	in	ADP
cjfa-12561	226	19	respect	respect	NOUN
cjfa-12561	226	20	of	of	ADP
cjfa-12561	226	21	rwas	rwas	NOUN
cjfa-12561	226	22	are	be	AUX
cjfa-12561	226	23	subject	subject	ADJ
cjfa-12561	226	24	to	to	ADP
cjfa-12561	226	25	change	change	NOUN
cjfa-12561	226	26	according	accord	VERB
cjfa-12561	226	27	to	to	ADP
cjfa-12561	226	28	the	the	DET
cjfa-12561	226	29	principle	principle	NOUN
cjfa-12561	226	30	“	"	PUNCT
cjfa-12561	226	31	lower	low	ADJ
cjfa-12561	226	32	risk	risk	NOUN
cjfa-12561	226	33	,	,	PUNCT
cjfa-12561	226	34	lower	low	ADJ
cjfa-12561	226	35	premium	premium	NOUN
cjfa-12561	226	36	”	"	PUNCT
cjfa-12561	226	37	and	and	CCONJ
cjfa-12561	226	38	vice	vice	ADV
cjfa-12561	226	39	versa	versa	ADV
cjfa-12561	226	40	.	.	PUNCT
cjfa-12561	227	1	in	in	ADP
cjfa-12561	227	2	this	this	DET
cjfa-12561	227	3	scenario	scenario	NOUN
cjfa-12561	227	4	,	,	PUNCT
cjfa-12561	227	5	it	it	PRON
cjfa-12561	227	6	can	can	AUX
cjfa-12561	227	7	be	be	AUX
cjfa-12561	227	8	observed	observe	VERB
cjfa-12561	227	9	that	that	SCONJ
cjfa-12561	227	10	the	the	DET
cjfa-12561	227	11	type	type	NOUN
cjfa-12561	227	12	of	of	ADP
cjfa-12561	227	13	conducted	conduct	VERB
cjfa-12561	227	14	business	business	NOUN
cjfa-12561	227	15	and	and	CCONJ
cjfa-12561	227	16	risks	risk	NOUN
cjfa-12561	227	17	taken	take	VERB
cjfa-12561	227	18	by	by	ADP
cjfa-12561	227	19	credit	credit	NOUN
cjfa-12561	227	20	institutions	institution	NOUN
cjfa-12561	227	21	in	in	ADP
cjfa-12561	227	22	a	a	DET
cjfa-12561	227	23	significant	significant	ADJ
cjfa-12561	227	24	extent	extent	NOUN
cjfa-12561	227	25	affect	affect	VERB
cjfa-12561	227	26	the	the	DET
cjfa-12561	227	27	final	final	ADJ
cjfa-12561	227	28	minimum	minimum	ADJ
cjfa-12561	227	29	interest	interest	NOUN
cjfa-12561	227	30	rate	rate	NOUN
cjfa-12561	227	31	of	of	ADP
cjfa-12561	227	32	a	a	DET
cjfa-12561	227	33	new	new	ADJ
cjfa-12561	227	34	product	product	NOUN
cjfa-12561	227	35	.	.	PUNCT
cjfa-12561	228	1	table	table	NOUN
cjfa-12561	228	2	2	2	NUM
cjfa-12561	228	3	.	.	X
cjfa-12561	228	4	hurdle	hurdle	NOUN
cjfa-12561	228	5	rate	rate	NOUN
cjfa-12561	228	6	–	–	PUNCT
cjfa-12561	228	7	5	5	NUM
cjfa-12561	228	8	cases	case	NOUN
cjfa-12561	228	9	case	case	NOUN
cjfa-12561	228	10	1	1	NUM
cjfa-12561	228	11	case	case	NOUN
cjfa-12561	228	12	2	2	NUM
cjfa-12561	228	13	case	case	NOUN
cjfa-12561	228	14	3	3	NUM
cjfa-12561	228	15	case	case	NOUN
cjfa-12561	228	16	4	4	NUM
cjfa-12561	228	17	case	case	NOUN
cjfa-12561	228	18	5	5	NUM
cjfa-12561	228	19	new	new	ADJ
cjfa-12561	228	20	product	product	NOUN
cjfa-12561	228	21	[	[	X
cjfa-12561	228	22	pln	pln	X
cjfa-12561	228	23	]	]	X
cjfa-12561	228	24	100	100	NUM
cjfa-12561	228	25	risk	risk	NOUN
cjfa-12561	228	26	weighted	weight	VERB
cjfa-12561	228	27	assets	asset	NOUN
cjfa-12561	229	1	[	[	X
cjfa-12561	229	2	%	%	X
cjfa-12561	229	3	]	]	PUNCT
cjfa-12561	229	4	35	35	NUM
cjfa-12561	229	5	%	%	NOUN
cjfa-12561	229	6	75	75	NUM
cjfa-12561	229	7	%	%	NOUN
cjfa-12561	229	8	100	100	NUM
cjfa-12561	229	9	%	%	NOUN
cjfa-12561	229	10	35	35	NUM
cjfa-12561	229	11	%	%	NOUN
cjfa-12561	229	12	100	100	NUM
cjfa-12561	229	13	%	%	NOUN
cjfa-12561	229	14	capital	capital	NOUN
cjfa-12561	229	15	requirement	requirement	NOUN
cjfa-12561	230	1	[	[	X
cjfa-12561	230	2	%	%	X
cjfa-12561	230	3	]	]	SYM
cjfa-12561	230	4	8	8	NUM
cjfa-12561	230	5	%	%	NOUN
cjfa-12561	230	6	total	total	ADJ
cjfa-12561	230	7	capital	capital	NOUN
cjfa-12561	230	8	requirement	requirement	NOUN
cjfa-12561	231	1	[	[	X
cjfa-12561	231	2	pln	pln	X
cjfa-12561	231	3	]	]	PUNCT
cjfa-12561	231	4	2,80	2,80	NUM
cjfa-12561	231	5	6,00	6,00	NUM
cjfa-12561	231	6	8,00	8,00	NUM
cjfa-12561	231	7	2,80	2,80	NUM
cjfa-12561	231	8	8,00	8,00	NUM
cjfa-12561	231	9	average	average	ADJ
cjfa-12561	231	10	growth	growth	NOUN
cjfa-12561	231	11	of	of	ADP
cjfa-12561	231	12	rwas	rwas	NOUN
cjfa-12561	231	13	[	[	X
cjfa-12561	231	14	%	%	X
cjfa-12561	231	15	]	]	X
cjfa-12561	231	16	4,50	4,50	NUM
cjfa-12561	231	17	%	%	NOUN
cjfa-12561	231	18	dividend	dividend	NOUN
cjfa-12561	231	19	ratio	ratio	NOUN
cjfa-12561	232	1	[	[	X
cjfa-12561	232	2	%	%	X
cjfa-12561	232	3	]	]	PUNCT
cjfa-12561	232	4	30	30	NUM
cjfa-12561	232	5	%	%	NOUN
cjfa-12561	232	6	10	10	NUM
cjfa-12561	232	7	%	%	NOUN
cjfa-12561	232	8	60	60	NUM
cjfa-12561	232	9	%	%	NOUN
cjfa-12561	232	10	required	require	VERB
cjfa-12561	232	11	roe	roe	NOUN
cjfa-12561	232	12	including	include	VERB
cjfa-12561	232	13	dividend	dividend	NOUN
cjfa-12561	232	14	[	[	X
cjfa-12561	232	15	%	%	X
cjfa-12561	232	16	]	]	PUNCT
cjfa-12561	232	17	6,43	6,43	NUM
cjfa-12561	232	18	%	%	NOUN
cjfa-12561	232	19	6,43	6,43	NUM
cjfa-12561	232	20	%	%	NOUN
cjfa-12561	232	21	6,43	6,43	NUM
cjfa-12561	232	22	%	%	NOUN
cjfa-12561	232	23	5,00	5,00	NUM
cjfa-12561	232	24	%	%	NOUN
cjfa-12561	232	25	11,25	11,25	NUM
cjfa-12561	232	26	%	%	NOUN
cjfa-12561	232	27	profit	profit	NOUN
cjfa-12561	232	28	to	to	PART
cjfa-12561	232	29	achieve	achieve	VERB
cjfa-12561	232	30	roe	roe	NOUN
cjfa-12561	232	31	[	[	X
cjfa-12561	232	32	pln	pln	X
cjfa-12561	232	33	]	]	X
cjfa-12561	232	34	0,18	0,18	PUNCT
cjfa-12561	233	1	0,39	0,39	NOUN
cjfa-12561	233	2	0,51	0,51	PUNCT
cjfa-12561	234	1	0,14	0,14	NUM
cjfa-12561	234	2	0,90	0,90	ADJ
cjfa-12561	234	3	margin	margin	NOUN
cjfa-12561	234	4	required	require	VERB
cjfa-12561	234	5	[	[	X
cjfa-12561	234	6	%	%	X
cjfa-12561	234	7	]	]	X
cjfa-12561	234	8	0,22	0,22	NUM
cjfa-12561	234	9	%	%	NOUN
cjfa-12561	234	10	0,48	0,48	NUM
cjfa-12561	234	11	%	%	NOUN
cjfa-12561	234	12	0,63	0,63	NUM
cjfa-12561	234	13	%	%	NOUN
cjfa-12561	234	14	0,17	0,17	ADJ
cjfa-12561	234	15	%	%	NOUN
cjfa-12561	234	16	1,10	1,10	NUM
cjfa-12561	234	17	%	%	NOUN
cjfa-12561	234	18	risk	risk	NOUN
cjfa-12561	234	19	cost	cost	NOUN
cjfa-12561	234	20	margin	margin	NOUN
cjfa-12561	235	1	[	[	X
cjfa-12561	235	2	%	%	X
cjfa-12561	235	3	]	]	X
cjfa-12561	235	4	0,55	0,55	PUNCT
cjfa-12561	235	5	%	%	NOUN
cjfa-12561	235	6	cost	cost	NOUN
cjfa-12561	235	7	margin	margin	NOUN
cjfa-12561	236	1	[	[	X
cjfa-12561	236	2	%	%	X
cjfa-12561	236	3	]	]	X
cjfa-12561	236	4	1,00	1,00	NUM
cjfa-12561	236	5	%	%	NOUN
cjfa-12561	236	6	hurdle	hurdle	NOUN
cjfa-12561	236	7	rate	rate	NOUN
cjfa-12561	236	8	(	(	PUNCT
cjfa-12561	236	9	total	total	ADJ
cjfa-12561	236	10	margin	margin	NOUN
cjfa-12561	236	11	required	require	VERB
cjfa-12561	236	12	)	)	PUNCT
cjfa-12561	237	1	[	[	X
cjfa-12561	237	2	%	%	X
cjfa-12561	237	3	]	]	PUNCT
cjfa-12561	237	4	1,77	1,77	NUM
cjfa-12561	237	5	%	%	NOUN
cjfa-12561	237	6	2,03	2,03	NUM
cjfa-12561	237	7	%	%	NOUN
cjfa-12561	237	8	2,18	2,18	NUM
cjfa-12561	237	9	%	%	NOUN
cjfa-12561	237	10	1,72	1,72	NUM
cjfa-12561	237	11	%	%	NOUN
cjfa-12561	237	12	2,66	2,66	NUM
cjfa-12561	237	13	%	%	NOUN
cjfa-12561	237	14	s	s	PART
cjfa-12561	237	15	o	o	NOUN
cjfa-12561	237	16	u	u	NOUN
cjfa-12561	237	17	r	r	NOUN
cjfa-12561	237	18	c	c	NOUN
cjfa-12561	237	19	e	e	NOUN
cjfa-12561	237	20	:	:	PUNCT
cjfa-12561	237	21	own	own	ADJ
cjfa-12561	237	22	study	study	NOUN
cjfa-12561	237	23	.	.	PUNCT
cjfa-12561	238	1	the	the	DET
cjfa-12561	238	2	impact	impact	NOUN
cjfa-12561	238	3	of	of	ADP
cjfa-12561	238	4	the	the	DET
cjfa-12561	238	5	2007–2009	2007–2009	NUM
cjfa-12561	238	6	financial	financial	ADJ
cjfa-12561	238	7	crisis	crisis	NOUN
cjfa-12561	238	8	…	…	PUNCT
cjfa-12561	238	9	53	53	NUM
cjfa-12561	238	10	with	with	ADP
cjfa-12561	238	11	a	a	DET
cjfa-12561	238	12	hypothetical	hypothetical	ADJ
cjfa-12561	238	13	credit	credit	NOUN
cjfa-12561	238	14	of	of	ADP
cjfa-12561	238	15	pln	pln	PROPN
cjfa-12561	238	16	300,000	300,000	NUM
cjfa-12561	238	17	,	,	PUNCT
cjfa-12561	238	18	diminishing	diminish	VERB
cjfa-12561	238	19	instalments	instalment	NOUN
cjfa-12561	238	20	,	,	PUNCT
cjfa-12561	238	21	repayment	repayment	NOUN
cjfa-12561	238	22	period	period	NOUN
cjfa-12561	238	23	of	of	ADP
cjfa-12561	238	24	30	30	NUM
cjfa-12561	238	25	years	year	NOUN
cjfa-12561	238	26	,	,	PUNCT
cjfa-12561	238	27	the	the	DET
cjfa-12561	238	28	cumulative	cumulative	ADJ
cjfa-12561	238	29	interest	interest	NOUN
cjfa-12561	238	30	on	on	ADP
cjfa-12561	238	31	credit	credit	NOUN
cjfa-12561	238	32	at	at	ADP
cjfa-12561	238	33	an	an	DET
cjfa-12561	238	34	interest	interest	NOUN
cjfa-12561	238	35	rate	rate	NOUN
cjfa-12561	238	36	of	of	ADP
cjfa-12561	238	37	1.72	1.72	NUM
cjfa-12561	238	38	%	%	NOUN
cjfa-12561	238	39	(	(	PUNCT
cjfa-12561	238	40	case	case	NOUN
cjfa-12561	238	41	4	4	NUM
cjfa-12561	238	42	)	)	PUNCT
cjfa-12561	238	43	amount	amount	NOUN
cjfa-12561	238	44	to	to	ADP
cjfa-12561	238	45	pln	pln	PROPN
cjfa-12561	238	46	77,615	77,615	NUM
cjfa-12561	238	47	,	,	PUNCT
cjfa-12561	238	48	while	while	SCONJ
cjfa-12561	238	49	at	at	ADP
cjfa-12561	238	50	an	an	DET
cjfa-12561	238	51	interest	interest	NOUN
cjfa-12561	238	52	rate	rate	NOUN
cjfa-12561	238	53	of	of	ADP
cjfa-12561	238	54	2.66	2.66	NUM
cjfa-12561	238	55	%	%	NOUN
cjfa-12561	238	56	(	(	PUNCT
cjfa-12561	238	57	case	case	NOUN
cjfa-12561	238	58	5	5	NUM
cjfa-12561	238	59	)	)	PUNCT
cjfa-12561	238	60	amount	amount	NOUN
cjfa-12561	238	61	to	to	ADP
cjfa-12561	238	62	pln	pln	PROPN
cjfa-12561	238	63	120,032	120,032	NUM
cjfa-12561	238	64	.	.	PUNCT
cjfa-12561	239	1	the	the	DET
cjfa-12561	239	2	difference	difference	NOUN
cjfa-12561	239	3	between	between	ADP
cjfa-12561	239	4	total	total	ADJ
cjfa-12561	239	5	interest	interest	NOUN
cjfa-12561	239	6	in	in	ADP
cjfa-12561	239	7	these	these	DET
cjfa-12561	239	8	cases	case	NOUN
cjfa-12561	239	9	amounts	amount	VERB
cjfa-12561	239	10	to	to	ADP
cjfa-12561	239	11	pln	pln	PROPN
cjfa-12561	239	12	42,417	42,417	NUM
cjfa-12561	239	13	–	–	PUNCT
cjfa-12561	239	14	on	on	ADP
cjfa-12561	239	15	average	average	ADJ
cjfa-12561	239	16	,	,	PUNCT
cjfa-12561	239	17	lower	low	ADJ
cjfa-12561	239	18	monthly	monthly	ADJ
cjfa-12561	239	19	instalments	instalment	NOUN
cjfa-12561	239	20	of	of	ADP
cjfa-12561	239	21	around	around	ADP
cjfa-12561	239	22	pln	pln	PROPN
cjfa-12561	239	23	118	118	NUM
cjfa-12561	239	24	.	.	PUNCT
cjfa-12561	240	1	for	for	ADP
cjfa-12561	240	2	example	example	NOUN
cjfa-12561	240	3	,	,	PUNCT
cjfa-12561	240	4	by	by	ADP
cjfa-12561	240	5	depositing	deposit	VERB
cjfa-12561	240	6	into	into	ADP
cjfa-12561	240	7	a	a	DET
cjfa-12561	240	8	savings	saving	NOUN
cjfa-12561	240	9	account	account	NOUN
cjfa-12561	240	10	every	every	DET
cjfa-12561	240	11	month	month	NOUN
cjfa-12561	240	12	pln	pln	PROPN
cjfa-12561	240	13	118	118	NUM
cjfa-12561	240	14	,	,	PUNCT
cjfa-12561	240	15	at	at	ADP
cjfa-12561	240	16	an	an	DET
cjfa-12561	240	17	interest	interest	NOUN
cjfa-12561	240	18	rate	rate	NOUN
cjfa-12561	240	19	of	of	ADP
cjfa-12561	240	20	1.5	1.5	NUM
cjfa-12561	240	21	%	%	NOUN
cjfa-12561	240	22	per	per	ADP
cjfa-12561	240	23	annum	annum	NOUN
cjfa-12561	240	24	,	,	PUNCT
cjfa-12561	240	25	for	for	ADP
cjfa-12561	240	26	30	30	NUM
cjfa-12561	240	27	years	year	NOUN
cjfa-12561	240	28	,	,	PUNCT
cjfa-12561	240	29	it	it	PRON
cjfa-12561	240	30	is	be	AUX
cjfa-12561	240	31	possible	possible	ADJ
cjfa-12561	240	32	to	to	PART
cjfa-12561	240	33	achieve	achieve	VERB
cjfa-12561	240	34	an	an	DET
cjfa-12561	240	35	amount	amount	NOUN
cjfa-12561	240	36	of	of	ADP
cjfa-12561	240	37	around	around	ADP
cjfa-12561	240	38	pln	pln	PROPN
cjfa-12561	240	39	53,607	53,607	NUM
cjfa-12561	240	40	.	.	PUNCT
cjfa-12561	241	1	this	this	DET
cjfa-12561	241	2	simple	simple	ADJ
cjfa-12561	241	3	example	example	NOUN
cjfa-12561	241	4	demonstrates	demonstrate	VERB
cjfa-12561	241	5	how	how	SCONJ
cjfa-12561	241	6	credit	credit	NOUN
cjfa-12561	241	7	institutions	institution	NOUN
cjfa-12561	241	8	activity	activity	NOUN
cjfa-12561	241	9	,	,	PUNCT
cjfa-12561	241	10	how	how	SCONJ
cjfa-12561	241	11	height	height	NOUN
cjfa-12561	241	12	of	of	ADP
cjfa-12561	241	13	rwa	rwa	NOUN
cjfa-12561	241	14	and	and	CCONJ
cjfa-12561	241	15	potential	potential	ADJ
cjfa-12561	241	16	margins	margin	NOUN
cjfa-12561	241	17	,	,	PUNCT
cjfa-12561	241	18	which	which	PRON
cjfa-12561	241	19	influence	influence	NOUN
cjfa-12561	241	20	on	on	ADP
cjfa-12561	241	21	interest	interest	NOUN
cjfa-12561	241	22	rates	rate	NOUN
cjfa-12561	241	23	on	on	ADP
cjfa-12561	241	24	credits	credit	NOUN
cjfa-12561	241	25	,	,	PUNCT
cjfa-12561	241	26	have	have	VERB
cjfa-12561	241	27	a	a	DET
cjfa-12561	241	28	very	very	ADV
cjfa-12561	241	29	large	large	ADJ
cjfa-12561	241	30	impact	impact	NOUN
cjfa-12561	241	31	on	on	ADP
cjfa-12561	241	32	the	the	DET
cjfa-12561	241	33	real	real	ADJ
cjfa-12561	241	34	economy	economy	NOUN
cjfa-12561	241	35	and	and	CCONJ
cjfa-12561	241	36	households	household	NOUN
cjfa-12561	241	37	.	.	PUNCT
cjfa-12561	242	1	the	the	DET
cjfa-12561	242	2	financial	financial	ADJ
cjfa-12561	242	3	crisis	crisis	NOUN
cjfa-12561	242	4	2007–2009	2007–2009	NUM
cjfa-12561	242	5	has	have	AUX
cjfa-12561	242	6	contributed	contribute	VERB
cjfa-12561	242	7	to	to	ADP
cjfa-12561	242	8	a	a	DET
cjfa-12561	242	9	thorough	thorough	ADJ
cjfa-12561	242	10	reconstruction	reconstruction	NOUN
cjfa-12561	242	11	of	of	ADP
cjfa-12561	242	12	legal	legal	ADJ
cjfa-12561	242	13	standards	standard	NOUN
cjfa-12561	242	14	regulating	regulate	VERB
cjfa-12561	242	15	financial	financial	ADJ
cjfa-12561	242	16	institutions	institution	NOUN
cjfa-12561	242	17	.	.	PUNCT
cjfa-12561	243	1	the	the	DET
cjfa-12561	243	2	impact	impact	NOUN
cjfa-12561	243	3	of	of	ADP
cjfa-12561	243	4	new	new	ADJ
cjfa-12561	243	5	regulation	regulation	NOUN
cjfa-12561	243	6	on	on	ADP
cjfa-12561	243	7	the	the	DET
cjfa-12561	243	8	economy	economy	NOUN
cjfa-12561	243	9	is	be	AUX
cjfa-12561	243	10	measured	measure	VERB
cjfa-12561	243	11	by	by	ADP
cjfa-12561	243	12	the	the	DET
cjfa-12561	243	13	credit	credit	NOUN
cjfa-12561	243	14	channel	channel	NOUN
cjfa-12561	243	15	,	,	PUNCT
cjfa-12561	243	16	which	which	PRON
cjfa-12561	243	17	implies	imply	VERB
cjfa-12561	243	18	that	that	SCONJ
cjfa-12561	243	19	banks	bank	NOUN
cjfa-12561	243	20	will	will	AUX
cjfa-12561	243	21	limit	limit	VERB
cjfa-12561	243	22	the	the	DET
cjfa-12561	243	23	scale	scale	NOUN
cjfa-12561	243	24	of	of	ADP
cjfa-12561	243	25	lending	lending	NOUN
cjfa-12561	243	26	and	and	CCONJ
cjfa-12561	243	27	will	will	AUX
cjfa-12561	243	28	increase	increase	VERB
cjfa-12561	243	29	interest	interest	NOUN
cjfa-12561	243	30	rates	rate	NOUN
cjfa-12561	243	31	on	on	ADP
cjfa-12561	243	32	loans	loan	NOUN
cjfa-12561	243	33	.	.	PUNCT
cjfa-12561	244	1	as	as	ADP
cjfa-12561	244	2	a	a	DET
cjfa-12561	244	3	consequence	consequence	NOUN
cjfa-12561	244	4	this	this	PRON
cjfa-12561	244	5	will	will	AUX
cjfa-12561	244	6	reduce	reduce	VERB
cjfa-12561	244	7	aggregate	aggregate	ADJ
cjfa-12561	244	8	demand	demand	NOUN
cjfa-12561	244	9	,	,	PUNCT
cjfa-12561	244	10	employment	employment	NOUN
cjfa-12561	244	11	and	and	CCONJ
cjfa-12561	244	12	will	will	AUX
cjfa-12561	244	13	limit	limit	VERB
cjfa-12561	244	14	the	the	DET
cjfa-12561	244	15	real	real	ADJ
cjfa-12561	244	16	growth	growth	NOUN
cjfa-12561	244	17	rate	rate	NOUN
cjfa-12561	244	18	of	of	ADP
cjfa-12561	244	19	gdp	gdp	NOUN
cjfa-12561	244	20	(	(	PUNCT
cjfa-12561	244	21	marcinkowska	marcinkowska	PROPN
cjfa-12561	244	22	,	,	PUNCT
cjfa-12561	244	23	2013	2013	NUM
cjfa-12561	244	24	,	,	PUNCT
cjfa-12561	244	25	pp	pp	ADJ
cjfa-12561	244	26	.	.	PUNCT
cjfa-12561	245	1	119–145	119–145	NUM
cjfa-12561	245	2	)	)	PUNCT
cjfa-12561	245	3	.	.	PUNCT
cjfa-12561	246	1	to	to	PART
cjfa-12561	246	2	test	test	VERB
cjfa-12561	246	3	those	those	DET
cjfa-12561	246	4	effects	effect	NOUN
cjfa-12561	246	5	,	,	PUNCT
cjfa-12561	246	6	various	various	ADJ
cjfa-12561	246	7	studies	study	NOUN
cjfa-12561	246	8	have	have	AUX
cjfa-12561	246	9	been	be	AUX
cjfa-12561	246	10	conducted	conduct	VERB
cjfa-12561	246	11	by	by	ADP
cjfa-12561	246	12	regulatory	regulatory	ADJ
cjfa-12561	246	13	and	and	CCONJ
cjfa-12561	246	14	market	market	NOUN
cjfa-12561	246	15	authorities	authority	NOUN
cjfa-12561	246	16	,	,	PUNCT
cjfa-12561	246	17	using	use	VERB
cjfa-12561	246	18	various	various	ADJ
cjfa-12561	246	19	methods	method	NOUN
cjfa-12561	246	20	.	.	PUNCT
cjfa-12561	247	1	however	however	ADV
cjfa-12561	247	2	,	,	PUNCT
cjfa-12561	247	3	these	these	DET
cjfa-12561	247	4	studies	study	NOUN
cjfa-12561	247	5	have	have	VERB
cjfa-12561	247	6	important	important	ADJ
cjfa-12561	247	7	limitations	limitation	NOUN
cjfa-12561	247	8	.	.	PUNCT
cjfa-12561	248	1	many	many	ADJ
cjfa-12561	248	2	assumptions	assumption	NOUN
cjfa-12561	248	3	have	have	VERB
cjfa-12561	248	4	to	to	PART
cjfa-12561	248	5	be	be	AUX
cjfa-12561	248	6	taken	take	VERB
cjfa-12561	248	7	,	,	PUNCT
cjfa-12561	248	8	e.g.	e.g.	ADV
cjfa-12561	248	9	potential	potential	ADJ
cjfa-12561	248	10	reaction	reaction	NOUN
cjfa-12561	248	11	of	of	ADP
cjfa-12561	248	12	banks	bank	NOUN
cjfa-12561	248	13	and	and	CCONJ
cjfa-12561	248	14	other	other	ADJ
cjfa-12561	248	15	market	market	NOUN
cjfa-12561	248	16	participants	participant	NOUN
cjfa-12561	248	17	and	and	CCONJ
cjfa-12561	248	18	the	the	DET
cjfa-12561	248	19	economic	economic	ADJ
cjfa-12561	248	20	condition	condition	NOUN
cjfa-12561	248	21	at	at	ADP
cjfa-12561	248	22	the	the	DET
cjfa-12561	248	23	time	time	NOUN
cjfa-12561	248	24	of	of	ADP
cjfa-12561	248	25	the	the	DET
cjfa-12561	248	26	implementation	implementation	NOUN
cjfa-12561	248	27	and	and	CCONJ
cjfa-12561	248	28	application	application	NOUN
cjfa-12561	248	29	of	of	ADP
cjfa-12561	248	30	new	new	ADJ
cjfa-12561	248	31	standards	standard	NOUN
cjfa-12561	248	32	(	(	PUNCT
cjfa-12561	248	33	bukowski	bukowski	PROPN
cjfa-12561	248	34	et	et	PROPN
cjfa-12561	248	35	al	al	PROPN
cjfa-12561	248	36	.	.	PROPN
cjfa-12561	248	37	,	,	PUNCT
cjfa-12561	248	38	2014	2014	NUM
cjfa-12561	248	39	,	,	PUNCT
cjfa-12561	248	40	pp	pp	ADV
cjfa-12561	248	41	.	.	PUNCT
cjfa-12561	249	1	62–63	62–63	NUM
cjfa-12561	249	2	)	)	PUNCT
cjfa-12561	249	3	.	.	PUNCT
cjfa-12561	250	1	according	accord	VERB
cjfa-12561	250	2	to	to	ADP
cjfa-12561	250	3	the	the	DET
cjfa-12561	250	4	macroeconomic	macroeconomic	ADJ
cjfa-12561	250	5	assessment	assessment	NOUN
cjfa-12561	250	6	group	group	NOUN
cjfa-12561	250	7	growth	growth	NOUN
cjfa-12561	250	8	of	of	ADP
cjfa-12561	250	9	the	the	DET
cjfa-12561	250	10	capital	capital	NOUN
cjfa-12561	250	11	adequacy	adequacy	NOUN
cjfa-12561	250	12	ratio	ratio	NOUN
cjfa-12561	250	13	by	by	ADP
cjfa-12561	250	14	1	1	NUM
cjfa-12561	250	15	percentage	percentage	NOUN
cjfa-12561	250	16	point	point	NOUN
cjfa-12561	250	17	would	would	AUX
cjfa-12561	250	18	lead	lead	VERB
cjfa-12561	250	19	to	to	ADP
cjfa-12561	250	20	an	an	DET
cjfa-12561	250	21	average	average	ADJ
cjfa-12561	250	22	decline	decline	NOUN
cjfa-12561	250	23	in	in	ADP
cjfa-12561	250	24	gdp	gdp	NOUN
cjfa-12561	250	25	of	of	ADP
cjfa-12561	250	26	0.22	0.22	NUM
cjfa-12561	250	27	%	%	NOUN
cjfa-12561	250	28	after	after	ADP
cjfa-12561	250	29	35	35	NUM
cjfa-12561	250	30	quarters	quarter	NOUN
cjfa-12561	250	31	since	since	SCONJ
cjfa-12561	250	32	the	the	DET
cjfa-12561	250	33	implementation	implementation	NOUN
cjfa-12561	250	34	of	of	ADP
cjfa-12561	250	35	the	the	DET
cjfa-12561	250	36	new	new	ADJ
cjfa-12561	250	37	regulatory	regulatory	ADJ
cjfa-12561	250	38	system	system	NOUN
cjfa-12561	250	39	.	.	PUNCT
cjfa-12561	251	1	this	this	PRON
cjfa-12561	251	2	means	mean	VERB
cjfa-12561	251	3	reducing	reduce	VERB
cjfa-12561	251	4	annual	annual	ADJ
cjfa-12561	251	5	gdp	gdp	NOUN
cjfa-12561	251	6	growth	growth	NOUN
cjfa-12561	251	7	rate	rate	NOUN
cjfa-12561	251	8	by	by	ADP
cjfa-12561	251	9	0.03	0.03	NUM
cjfa-12561	251	10	pp	pp	NOUN
cjfa-12561	251	11	.	.	PUNCT
cjfa-12561	252	1	moreover	moreover	ADV
cjfa-12561	252	2	,	,	PUNCT
cjfa-12561	252	3	mag	mag	ADJ
cjfa-12561	252	4	research	research	NOUN
cjfa-12561	252	5	shows	show	VERB
cjfa-12561	252	6	that	that	SCONJ
cjfa-12561	252	7	an	an	DET
cjfa-12561	252	8	increase	increase	NOUN
cjfa-12561	252	9	in	in	ADP
cjfa-12561	252	10	the	the	DET
cjfa-12561	252	11	car	car	NOUN
cjfa-12561	252	12	by	by	ADP
cjfa-12561	252	13	1	1	NUM
cjfa-12561	252	14	pp	pp	ADV
cjfa-12561	252	15	could	could	AUX
cjfa-12561	252	16	lead	lead	VERB
cjfa-12561	252	17	to	to	ADP
cjfa-12561	252	18	a	a	DET
cjfa-12561	252	19	decline	decline	NOUN
cjfa-12561	252	20	in	in	ADP
cjfa-12561	252	21	the	the	DET
cjfa-12561	252	22	effective	effective	ADJ
cjfa-12561	252	23	demand	demand	NOUN
cjfa-12561	252	24	for	for	ADP
cjfa-12561	252	25	credits	credit	NOUN
cjfa-12561	252	26	by	by	ADP
cjfa-12561	252	27	1.89	1.89	NUM
cjfa-12561	252	28	%	%	NOUN
cjfa-12561	252	29	,	,	PUNCT
cjfa-12561	252	30	and	and	CCONJ
cjfa-12561	252	31	increase	increase	VERB
cjfa-12561	252	32	in	in	ADP
cjfa-12561	252	33	credit	credit	NOUN
cjfa-12561	252	34	margins	margin	NOUN
cjfa-12561	252	35	by	by	ADP
cjfa-12561	252	36	approx	approx	PROPN
cjfa-12561	252	37	.	.	PUNCT
cjfa-12561	253	1	17	17	NUM
cjfa-12561	253	2	basis	basis	NOUN
cjfa-12561	253	3	points	point	NOUN
cjfa-12561	253	4	(	(	PUNCT
cjfa-12561	253	5	macroeconomic	macroeconomic	ADJ
cjfa-12561	253	6	assessment	assessment	NOUN
cjfa-12561	253	7	group	group	NOUN
cjfa-12561	253	8	,	,	PUNCT
cjfa-12561	253	9	2010	2010	NUM
cjfa-12561	253	10	,	,	PUNCT
cjfa-12561	253	11	pp	pp	ADJ
cjfa-12561	253	12	.	.	NOUN
cjfa-12561	253	13	2	2	NUM
cjfa-12561	253	14	,	,	PUNCT
cjfa-12561	253	15	5	5	NUM
cjfa-12561	253	16	)	)	PUNCT
cjfa-12561	253	17	.	.	PUNCT
cjfa-12561	254	1	studies	study	NOUN
cjfa-12561	254	2	published	publish	VERB
cjfa-12561	254	3	by	by	ADP
cjfa-12561	254	4	the	the	DET
cjfa-12561	254	5	oecd	oecd	PROPN
cjfa-12561	254	6	suggests	suggest	VERB
cjfa-12561	254	7	the	the	DET
cjfa-12561	254	8	following	follow	VERB
cjfa-12561	254	9	negative	negative	ADJ
cjfa-12561	254	10	effects	effect	NOUN
cjfa-12561	254	11	(	(	PUNCT
cjfa-12561	254	12	cournède	cournède	PROPN
cjfa-12561	254	13	&	&	CCONJ
cjfa-12561	254	14	slovik	slovik	NOUN
cjfa-12561	254	15	,	,	PUNCT
cjfa-12561	254	16	2011	2011	NUM
cjfa-12561	254	17	,	,	PUNCT
cjfa-12561	254	18	p.	p.	NOUN
cjfa-12561	254	19	2	2	NUM
cjfa-12561	254	20	):	):	PUNCT
cjfa-12561	254	21	■	■	PUNCT
cjfa-12561	254	22	potential	potential	ADJ
cjfa-12561	254	23	increase	increase	NOUN
cjfa-12561	254	24	in	in	ADP
cjfa-12561	254	25	credit	credit	NOUN
cjfa-12561	254	26	margins	margin	NOUN
cjfa-12561	254	27	:	:	PUNCT
cjfa-12561	254	28	15–50	15–50	NUM
cjfa-12561	254	29	bps	bps	NOUN
cjfa-12561	254	30	,	,	PUNCT
cjfa-12561	254	31	■	■	PUNCT
cjfa-12561	254	32	medium	medium	ADJ
cjfa-12561	254	33	-	-	PUNCT
cjfa-12561	254	34	term	term	NOUN
cjfa-12561	254	35	impact	impact	NOUN
cjfa-12561	254	36	on	on	ADP
cjfa-12561	254	37	economic	economic	ADJ
cjfa-12561	254	38	growth	growth	NOUN
cjfa-12561	254	39	:	:	PUNCT
cjfa-12561	254	40	–	–	PUNCT
cjfa-12561	254	41	0.05	0.05	NUM
cjfa-12561	254	42	to	to	PART
cjfa-12561	254	43	–	–	PUNCT
cjfa-12561	254	44	0.15	0.15	NUM
cjfa-12561	254	45	pp	pp	ADV
cjfa-12561	254	46	per	per	ADP
cjfa-12561	254	47	year	year	NOUN
cjfa-12561	254	48	.	.	PUNCT
cjfa-12561	255	1	research	research	NOUN
cjfa-12561	255	2	of	of	ADP
cjfa-12561	255	3	institute	institute	PROPN
cjfa-12561	255	4	of	of	ADP
cjfa-12561	255	5	international	international	ADJ
cjfa-12561	255	6	finance	finance	NOUN
cjfa-12561	255	7	shows	show	NOUN
cjfa-12561	255	8	(	(	PUNCT
cjfa-12561	255	9	institute	institute	NOUN
cjfa-12561	255	10	of	of	ADP
cjfa-12561	255	11	international	international	ADJ
cjfa-12561	255	12	finance	finance	NOUN
cjfa-12561	255	13	,	,	PUNCT
cjfa-12561	255	14	2011	2011	NUM
cjfa-12561	255	15	,	,	PUNCT
cjfa-12561	255	16	p.	p.	NOUN
cjfa-12561	255	17	12	12	NUM
cjfa-12561	255	18	):	):	PUNCT
cjfa-12561	255	19	■	■	PUNCT
cjfa-12561	255	20	an	an	DET
cjfa-12561	255	21	increase	increase	NOUN
cjfa-12561	255	22	in	in	ADP
cjfa-12561	255	23	the	the	DET
cjfa-12561	255	24	cost	cost	NOUN
cjfa-12561	255	25	of	of	ADP
cjfa-12561	255	26	credits	credit	NOUN
cjfa-12561	255	27	by	by	ADP
cjfa-12561	255	28	281	281	NUM
cjfa-12561	255	29	bps	bps	NOUN
cjfa-12561	255	30	over	over	ADP
cjfa-12561	255	31	ten	ten	NUM
cjfa-12561	255	32	years	year	NOUN
cjfa-12561	255	33	,	,	PUNCT
cjfa-12561	255	34	michał	michał	PROPN
cjfa-12561	255	35	boda54	boda54	AUX
cjfa-12561	256	1	■	■	PUNCT
cjfa-12561	256	2	an	an	DET
cjfa-12561	256	3	average	average	ADJ
cjfa-12561	256	4	annual	annual	ADJ
cjfa-12561	256	5	decline	decline	NOUN
cjfa-12561	256	6	in	in	ADP
cjfa-12561	256	7	gdp	gdp	NOUN
cjfa-12561	256	8	:	:	PUNCT
cjfa-12561	256	9	–	–	PUNCT
cjfa-12561	256	10	0.2	0.2	NUM
cjfa-12561	256	11	pp	pp	NOUN
cjfa-12561	256	12	for	for	ADP
cjfa-12561	256	13	the	the	DET
cjfa-12561	256	14	years	year	NOUN
cjfa-12561	256	15	2011	2011	NUM
cjfa-12561	256	16	to	to	ADP
cjfa-12561	256	17	2020	2020	NUM
cjfa-12561	256	18	,	,	PUNCT
cjfa-12561	256	19	■	■	PUNCT
cjfa-12561	256	20	reduction	reduction	NOUN
cjfa-12561	256	21	of	of	ADP
cjfa-12561	256	22	jobs	job	NOUN
cjfa-12561	256	23	by	by	ADP
cjfa-12561	256	24	7.5	7.5	NUM
cjfa-12561	256	25	million	million	NUM
cjfa-12561	256	26	in	in	ADP
cjfa-12561	256	27	five	five	NUM
cjfa-12561	256	28	years	year	NOUN
cjfa-12561	256	29	.	.	PUNCT
cjfa-12561	257	1	data	datum	NOUN
cjfa-12561	257	2	analyzed	analyze	VERB
cjfa-12561	257	3	by	by	ADP
cjfa-12561	257	4	the	the	DET
cjfa-12561	257	5	international	international	ADJ
cjfa-12561	257	6	monetary	monetary	ADJ
cjfa-12561	257	7	fund	fund	NOUN
cjfa-12561	257	8	suggests	suggest	VERB
cjfa-12561	257	9	that	that	SCONJ
cjfa-12561	257	10	large	large	ADJ
cjfa-12561	257	11	banks	bank	NOUN
cjfa-12561	257	12	to	to	PART
cjfa-12561	257	13	be	be	AUX
cjfa-12561	257	14	able	able	ADJ
cjfa-12561	257	15	to	to	PART
cjfa-12561	257	16	implement	implement	VERB
cjfa-12561	257	17	the	the	DET
cjfa-12561	257	18	new	new	ADJ
cjfa-12561	257	19	basel	basel	PROPN
cjfa-12561	257	20	requirements	requirement	NOUN
cjfa-12561	257	21	,	,	PUNCT
cjfa-12561	257	22	would	would	AUX
cjfa-12561	257	23	have	have	VERB
cjfa-12561	257	24	to	to	PART
cjfa-12561	257	25	increase	increase	VERB
cjfa-12561	257	26	the	the	DET
cjfa-12561	257	27	share	share	NOUN
cjfa-12561	257	28	of	of	ADP
cjfa-12561	257	29	equity	equity	NOUN
cjfa-12561	257	30	in	in	ADP
cjfa-12561	257	31	total	total	ADJ
cjfa-12561	257	32	assets	asset	NOUN
cjfa-12561	257	33	by	by	ADP
cjfa-12561	257	34	1.3	1.3	NUM
cjfa-12561	257	35	pp	pp	NOUN
cjfa-12561	257	36	,	,	PUNCT
cjfa-12561	257	37	which	which	PRON
cjfa-12561	257	38	would	would	AUX
cjfa-12561	257	39	cause	cause	VERB
cjfa-12561	257	40	the	the	DET
cjfa-12561	257	41	need	need	NOUN
cjfa-12561	257	42	to	to	PART
cjfa-12561	257	43	increase	increase	VERB
cjfa-12561	257	44	lending	lending	NOUN
cjfa-12561	257	45	rates	rate	NOUN
cjfa-12561	257	46	by	by	ADP
cjfa-12561	257	47	16	16	NUM
cjfa-12561	257	48	bps	bps	NOUN
cjfa-12561	257	49	.	.	PUNCT
cjfa-12561	258	1	the	the	DET
cjfa-12561	258	2	increase	increase	NOUN
cjfa-12561	258	3	in	in	ADP
cjfa-12561	258	4	lending	lending	NOUN
cjfa-12561	258	5	rates	rate	NOUN
cjfa-12561	258	6	would	would	AUX
cjfa-12561	258	7	have	have	AUX
cjfa-12561	258	8	decreased	decrease	VERB
cjfa-12561	258	9	the	the	DET
cjfa-12561	258	10	rate	rate	NOUN
cjfa-12561	258	11	of	of	ADP
cjfa-12561	258	12	change	change	NOUN
cjfa-12561	258	13	of	of	ADP
cjfa-12561	258	14	loans	loan	NOUN
cjfa-12561	258	15	by	by	ADP
cjfa-12561	258	16	1.3	1.3	NUM
cjfa-12561	258	17	%	%	NOUN
cjfa-12561	258	18	in	in	ADP
cjfa-12561	258	19	the	the	DET
cjfa-12561	258	20	long	long	ADJ
cjfa-12561	258	21	term	term	NOUN
cjfa-12561	258	22	.	.	PUNCT
cjfa-12561	259	1	the	the	DET
cjfa-12561	259	2	authors	author	NOUN
cjfa-12561	259	3	point	point	VERB
cjfa-12561	259	4	out	out	ADP
cjfa-12561	259	5	the	the	DET
cjfa-12561	259	6	fact	fact	NOUN
cjfa-12561	259	7	that	that	SCONJ
cjfa-12561	259	8	the	the	DET
cjfa-12561	259	9	response	response	NOUN
cjfa-12561	259	10	of	of	ADP
cjfa-12561	259	11	banks	bank	NOUN
cjfa-12561	259	12	to	to	ADP
cjfa-12561	259	13	the	the	DET
cjfa-12561	259	14	new	new	ADJ
cjfa-12561	259	15	regulations	regulation	NOUN
cjfa-12561	259	16	will	will	AUX
cjfa-12561	259	17	vary	vary	VERB
cjfa-12561	259	18	,	,	PUNCT
cjfa-12561	259	19	depending	depend	VERB
cjfa-12561	259	20	on	on	ADP
cjfa-12561	259	21	the	the	DET
cjfa-12561	259	22	relative	relative	ADJ
cjfa-12561	259	23	economic	economic	ADJ
cjfa-12561	259	24	development	development	NOUN
cjfa-12561	259	25	.	.	PUNCT
cjfa-12561	260	1	the	the	DET
cjfa-12561	260	2	reason	reason	NOUN
cjfa-12561	260	3	for	for	ADP
cjfa-12561	260	4	these	these	DET
cjfa-12561	260	5	differences	difference	NOUN
cjfa-12561	260	6	is	be	AUX
cjfa-12561	260	7	the	the	DET
cjfa-12561	260	8	diversity	diversity	NOUN
cjfa-12561	260	9	of	of	ADP
cjfa-12561	260	10	the	the	DET
cjfa-12561	260	11	cost	cost	NOUN
cjfa-12561	260	12	of	of	ADP
cjfa-12561	260	13	raising	raise	VERB
cjfa-12561	260	14	capital	capital	NOUN
cjfa-12561	260	15	by	by	ADP
cjfa-12561	260	16	banks	bank	NOUN
cjfa-12561	260	17	and	and	CCONJ
cjfa-12561	260	18	the	the	DET
cjfa-12561	260	19	price	price	NOUN
cjfa-12561	260	20	elasticity	elasticity	NOUN
cjfa-12561	260	21	of	of	ADP
cjfa-12561	260	22	demand	demand	NOUN
cjfa-12561	260	23	for	for	ADP
cjfa-12561	260	24	credit	credit	NOUN
cjfa-12561	260	25	(	(	PUNCT
cjfa-12561	260	26	cosimano	cosimano	NOUN
cjfa-12561	260	27	&	&	CCONJ
cjfa-12561	260	28	hakura	hakura	PROPN
cjfa-12561	260	29	,	,	PUNCT
cjfa-12561	260	30	2011	2011	NUM
cjfa-12561	260	31	,	,	PUNCT
cjfa-12561	260	32	p.	p.	NOUN
cjfa-12561	260	33	1	1	NUM
cjfa-12561	260	34	)	)	PUNCT
cjfa-12561	260	35	.	.	PUNCT
cjfa-12561	261	1	experts	expert	NOUN
cjfa-12561	261	2	from	from	ADP
cjfa-12561	261	3	oxford	oxford	PROPN
cjfa-12561	261	4	economics	economic	NOUN
cjfa-12561	261	5	pointed	point	VERB
cjfa-12561	261	6	out	out	ADP
cjfa-12561	261	7	that	that	SCONJ
cjfa-12561	261	8	in	in	ADP
cjfa-12561	261	9	a	a	DET
cjfa-12561	261	10	number	number	NOUN
cjfa-12561	261	11	of	of	ADP
cjfa-12561	261	12	analytical	analytical	ADJ
cjfa-12561	261	13	reports	report	NOUN
cjfa-12561	261	14	regarding	regard	VERB
cjfa-12561	261	15	the	the	DET
cjfa-12561	261	16	potential	potential	ADJ
cjfa-12561	261	17	impacts	impact	NOUN
cjfa-12561	261	18	of	of	ADP
cjfa-12561	261	19	basel	basel	PROPN
cjfa-12561	261	20	iii	iii	PROPN
cjfa-12561	261	21	on	on	ADP
cjfa-12561	261	22	the	the	DET
cjfa-12561	261	23	economy	economy	NOUN
cjfa-12561	261	24	,	,	PUNCT
cjfa-12561	261	25	overly	overly	ADV
cjfa-12561	261	26	optimistic	optimistic	ADJ
cjfa-12561	261	27	assumptions	assumption	NOUN
cjfa-12561	261	28	are	be	AUX
cjfa-12561	261	29	adopted	adopt	VERB
cjfa-12561	261	30	,	,	PUNCT
cjfa-12561	261	31	such	such	ADJ
cjfa-12561	261	32	as	as	ADP
cjfa-12561	261	33	the	the	DET
cjfa-12561	261	34	effect	effect	NOUN
cjfa-12561	261	35	of	of	ADP
cjfa-12561	261	36	the	the	DET
cjfa-12561	261	37	credit	credit	NOUN
cjfa-12561	261	38	prices	price	NOUN
cjfa-12561	261	39	(	(	PUNCT
cjfa-12561	261	40	increase	increase	VERB
cjfa-12561	261	41	by	by	ADP
cjfa-12561	261	42	0.9–1.3	0.9–1.3	PROPN
cjfa-12561	261	43	pp	pp	NUM
cjfa-12561	261	44	)	)	PUNCT
cjfa-12561	261	45	.	.	PUNCT
cjfa-12561	262	1	they	they	PRON
cjfa-12561	262	2	have	have	AUX
cjfa-12561	262	3	also	also	ADV
cjfa-12561	262	4	pointed	point	VERB
cjfa-12561	262	5	to	to	ADP
cjfa-12561	262	6	the	the	DET
cjfa-12561	262	7	fact	fact	NOUN
cjfa-12561	262	8	that	that	SCONJ
cjfa-12561	262	9	banks	bank	NOUN
cjfa-12561	262	10	may	may	AUX
cjfa-12561	262	11	increasingly	increasingly	ADV
cjfa-12561	262	12	focus	focus	VERB
cjfa-12561	262	13	on	on	ADP
cjfa-12561	262	14	limiting	limit	VERB
cjfa-12561	262	15	credit	credit	NOUN
cjfa-12561	262	16	in	in	ADP
cjfa-12561	262	17	order	order	NOUN
cjfa-12561	262	18	to	to	PART
cjfa-12561	262	19	reduce	reduce	VERB
cjfa-12561	262	20	leverage	leverage	NOUN
cjfa-12561	262	21	,	,	PUNCT
cjfa-12561	262	22	and	and	CCONJ
cjfa-12561	262	23	the	the	DET
cjfa-12561	262	24	financial	financial	ADJ
cjfa-12561	262	25	market	market	NOUN
cjfa-12561	262	26	will	will	AUX
cjfa-12561	262	27	not	not	PART
cjfa-12561	262	28	offer	offer	VERB
cjfa-12561	262	29	analogical	analogical	ADJ
cjfa-12561	262	30	demand	demand	NOUN
cjfa-12561	262	31	for	for	ADP
cjfa-12561	262	32	corporate	corporate	ADJ
cjfa-12561	262	33	bonds	bond	NOUN
cjfa-12561	262	34	(	(	PUNCT
cjfa-12561	262	35	oxford	oxford	PROPN
cjfa-12561	262	36	economics	economic	NOUN
cjfa-12561	262	37	,	,	PUNCT
cjfa-12561	262	38	2013	2013	NUM
cjfa-12561	262	39	,	,	PUNCT
cjfa-12561	262	40	pp	pp	ADJ
cjfa-12561	262	41	.	.	PUNCT
cjfa-12561	263	1	1–4	1–4	NUM
cjfa-12561	263	2	)	)	PUNCT
cjfa-12561	263	3	.	.	PUNCT
cjfa-12561	264	1	those	those	DET
cjfa-12561	264	2	findings	finding	NOUN
cjfa-12561	264	3	can	can	AUX
cjfa-12561	264	4	not	not	PART
cjfa-12561	264	5	be	be	AUX
cjfa-12561	264	6	directly	directly	ADV
cjfa-12561	264	7	compared	compare	VERB
cjfa-12561	264	8	because	because	SCONJ
cjfa-12561	264	9	they	they	PRON
cjfa-12561	264	10	have	have	AUX
cjfa-12561	264	11	been	be	AUX
cjfa-12561	264	12	achieved	achieve	VERB
cjfa-12561	264	13	by	by	ADP
cjfa-12561	264	14	using	use	VERB
cjfa-12561	264	15	different	different	ADJ
cjfa-12561	264	16	research	research	NOUN
cjfa-12561	264	17	methods	method	NOUN
cjfa-12561	264	18	,	,	PUNCT
cjfa-12561	264	19	using	use	VERB
cjfa-12561	264	20	various	various	ADJ
cjfa-12561	264	21	variables	variable	NOUN
cjfa-12561	264	22	and	and	CCONJ
cjfa-12561	264	23	performed	perform	VERB
cjfa-12561	264	24	at	at	ADP
cjfa-12561	264	25	different	different	ADJ
cjfa-12561	264	26	times	time	NOUN
cjfa-12561	264	27	.	.	PUNCT
cjfa-12561	265	1	moreover	moreover	ADV
cjfa-12561	265	2	,	,	PUNCT
cjfa-12561	265	3	these	these	DET
cjfa-12561	265	4	studies	study	NOUN
cjfa-12561	265	5	have	have	VERB
cjfa-12561	265	6	methodological	methodological	ADJ
cjfa-12561	265	7	limitations	limitation	NOUN
cjfa-12561	265	8	related	relate	VERB
cjfa-12561	265	9	among	among	ADP
cjfa-12561	265	10	others	other	NOUN
cjfa-12561	265	11	to	to	ADP
cjfa-12561	265	12	the	the	DET
cjfa-12561	265	13	adopted	adopt	VERB
cjfa-12561	265	14	assumptions	assumption	NOUN
cjfa-12561	265	15	and	and	CCONJ
cjfa-12561	265	16	simplifications	simplification	NOUN
cjfa-12561	265	17	.	.	PUNCT
cjfa-12561	266	1	however	however	ADV
cjfa-12561	266	2	,	,	PUNCT
cjfa-12561	266	3	it	it	PRON
cjfa-12561	266	4	can	can	AUX
cjfa-12561	266	5	be	be	AUX
cjfa-12561	266	6	concluded	conclude	VERB
cjfa-12561	266	7	that	that	SCONJ
cjfa-12561	266	8	the	the	DET
cjfa-12561	266	9	empirical	empirical	ADJ
cjfa-12561	266	10	studies	study	NOUN
cjfa-12561	266	11	show	show	VERB
cjfa-12561	266	12	a	a	DET
cjfa-12561	266	13	negative	negative	ADJ
cjfa-12561	266	14	(	(	PUNCT
cjfa-12561	266	15	albeit	albeit	SCONJ
cjfa-12561	266	16	slight	slight	ADJ
cjfa-12561	266	17	)	)	PUNCT
cjfa-12561	266	18	impact	impact	NOUN
cjfa-12561	266	19	of	of	ADP
cjfa-12561	266	20	new	new	ADJ
cjfa-12561	266	21	capital	capital	NOUN
cjfa-12561	266	22	and	and	CCONJ
cjfa-12561	266	23	liquidity	liquidity	NOUN
cjfa-12561	266	24	regulations	regulation	NOUN
cjfa-12561	266	25	on	on	ADP
cjfa-12561	266	26	economic	economic	ADJ
cjfa-12561	266	27	growth	growth	NOUN
cjfa-12561	266	28	(	(	PUNCT
cjfa-12561	266	29	bukowski	bukowski	PROPN
cjfa-12561	266	30	et	et	PROPN
cjfa-12561	266	31	al	al	PROPN
cjfa-12561	266	32	.	.	PROPN
cjfa-12561	266	33	,	,	PUNCT
cjfa-12561	266	34	2014	2014	NUM
cjfa-12561	266	35	,	,	PUNCT
cjfa-12561	266	36	p.	p.	NOUN
cjfa-12561	266	37	68	68	NUM
cjfa-12561	266	38	)	)	PUNCT
cjfa-12561	266	39	.	.	PUNCT
cjfa-12561	267	1	the	the	DET
cjfa-12561	267	2	financial	financial	ADJ
cjfa-12561	267	3	crisis	crisis	NOUN
cjfa-12561	267	4	has	have	AUX
cjfa-12561	267	5	revealed	reveal	VERB
cjfa-12561	267	6	weakness	weakness	NOUN
cjfa-12561	267	7	in	in	ADP
cjfa-12561	267	8	global	global	ADJ
cjfa-12561	267	9	regulation	regulation	NOUN
cjfa-12561	267	10	and	and	CCONJ
cjfa-12561	267	11	bank	bank	NOUN
cjfa-12561	267	12	risk	risk	NOUN
cjfa-12561	267	13	management	management	NOUN
cjfa-12561	267	14	practices	practice	NOUN
cjfa-12561	267	15	.	.	PUNCT
cjfa-12561	268	1	as	as	ADP
cjfa-12561	268	2	a	a	DET
cjfa-12561	268	3	result	result	NOUN
cjfa-12561	268	4	,	,	PUNCT
cjfa-12561	268	5	regulators	regulator	NOUN
cjfa-12561	268	6	have	have	AUX
cjfa-12561	268	7	taken	take	VERB
cjfa-12561	268	8	steps	step	NOUN
cjfa-12561	268	9	to	to	PART
cjfa-12561	268	10	increase	increase	VERB
cjfa-12561	268	11	the	the	DET
cjfa-12561	268	12	stability	stability	NOUN
cjfa-12561	268	13	of	of	ADP
cjfa-12561	268	14	financial	financial	ADJ
cjfa-12561	268	15	markets	market	NOUN
cjfa-12561	268	16	and	and	CCONJ
cjfa-12561	268	17	to	to	PART
cjfa-12561	268	18	reduce	reduce	VERB
cjfa-12561	268	19	the	the	DET
cjfa-12561	268	20	negative	negative	ADJ
cjfa-12561	268	21	financial	financial	ADJ
cjfa-12561	268	22	phenomena	phenomenon	NOUN
cjfa-12561	268	23	on	on	ADP
cjfa-12561	268	24	the	the	DET
cjfa-12561	268	25	real	real	ADJ
cjfa-12561	268	26	economy	economy	NOUN
cjfa-12561	268	27	.	.	PUNCT
cjfa-12561	269	1	the	the	DET
cjfa-12561	269	2	main	main	ADJ
cjfa-12561	269	3	area	area	NOUN
cjfa-12561	269	4	of	of	ADP
cjfa-12561	269	5	new	new	ADJ
cjfa-12561	269	6	regulations	regulation	NOUN
cjfa-12561	269	7	was	be	AUX
cjfa-12561	269	8	to	to	PART
cjfa-12561	269	9	strengthen	strengthen	VERB
cjfa-12561	269	10	capital	capital	NOUN
cjfa-12561	269	11	and	and	CCONJ
cjfa-12561	269	12	liquidity	liquidity	NOUN
cjfa-12561	269	13	in	in	ADP
cjfa-12561	269	14	global	global	ADJ
cjfa-12561	269	15	banking	banking	NOUN
cjfa-12561	269	16	.	.	PUNCT
cjfa-12561	270	1	the	the	DET
cjfa-12561	270	2	impact	impact	NOUN
cjfa-12561	270	3	on	on	ADP
cjfa-12561	270	4	financial	financial	ADJ
cjfa-12561	270	5	results	result	NOUN
cjfa-12561	270	6	and	and	CCONJ
cjfa-12561	270	7	balance	balance	NOUN
cjfa-12561	270	8	sheets	sheet	NOUN
cjfa-12561	270	9	of	of	ADP
cjfa-12561	270	10	banks	bank	NOUN
cjfa-12561	270	11	will	will	AUX
cjfa-12561	270	12	depend	depend	VERB
cjfa-12561	270	13	on	on	ADP
cjfa-12561	270	14	:	:	PUNCT
cjfa-12561	270	15	■	■	PUNCT
cjfa-12561	270	16	reallocation	reallocation	NOUN
cjfa-12561	270	17	of	of	ADP
cjfa-12561	270	18	capital	capital	NOUN
cjfa-12561	270	19	between	between	ADP
cjfa-12561	270	20	different	different	ADJ
cjfa-12561	270	21	business	business	NOUN
cjfa-12561	270	22	lines	line	NOUN
cjfa-12561	270	23	,	,	PUNCT
cjfa-12561	270	24	■	■	PUNCT
cjfa-12561	270	25	margin	margin	NOUN
cjfa-12561	270	26	policy	policy	NOUN
cjfa-12561	270	27	(	(	PUNCT
cjfa-12561	270	28	transfer	transfer	NOUN
cjfa-12561	270	29	of	of	ADP
cjfa-12561	270	30	additional	additional	ADJ
cjfa-12561	270	31	costs	cost	NOUN
cjfa-12561	270	32	to	to	ADP
cjfa-12561	270	33	customers	customer	NOUN
cjfa-12561	270	34	)	)	PUNCT
cjfa-12561	270	35	,	,	PUNCT
cjfa-12561	270	36	■	■	PUNCT
cjfa-12561	270	37	possible	possible	ADJ
cjfa-12561	270	38	cost	cost	NOUN
cjfa-12561	270	39	structure	structure	NOUN
cjfa-12561	270	40	restructuring	restructuring	NOUN
cjfa-12561	270	41	,	,	PUNCT
cjfa-12561	270	42	■	■	PUNCT
cjfa-12561	270	43	risk	risk	NOUN
cjfa-12561	270	44	appetite	appetite	NOUN
cjfa-12561	270	45	.	.	PUNCT
cjfa-12561	271	1	in	in	ADP
cjfa-12561	271	2	general	general	ADJ
cjfa-12561	271	3	,	,	PUNCT
cjfa-12561	271	4	there	there	PRON
cjfa-12561	271	5	should	should	AUX
cjfa-12561	271	6	be	be	AUX
cjfa-12561	271	7	reduction	reduction	NOUN
cjfa-12561	271	8	in	in	ADP
cjfa-12561	271	9	the	the	DET
cjfa-12561	271	10	risk	risk	NOUN
cjfa-12561	271	11	level	level	NOUN
cjfa-12561	271	12	,	,	PUNCT
cjfa-12561	271	13	but	but	CCONJ
cjfa-12561	271	14	may	may	AUX
cjfa-12561	271	15	also	also	ADV
cjfa-12561	271	16	occur	occur	VERB
cjfa-12561	271	17	side	side	ADJ
cjfa-12561	271	18	effects	effect	NOUN
cjfa-12561	271	19	,	,	PUNCT
cjfa-12561	271	20	e.g.	e.g.	ADV
cjfa-12561	271	21	an	an	DET
cjfa-12561	271	22	increase	increase	NOUN
cjfa-12561	271	23	in	in	ADP
cjfa-12561	271	24	systemic	systemic	ADJ
cjfa-12561	271	25	risk	risk	NOUN
cjfa-12561	271	26	in	in	ADP
cjfa-12561	271	27	other	other	ADJ
cjfa-12561	271	28	,	,	PUNCT
cjfa-12561	271	29	unregulated	unregulated	ADJ
cjfa-12561	271	30	market	market	NOUN
cjfa-12561	271	31	seg	seg	VERB
cjfa-12561	271	32	the	the	DET
cjfa-12561	271	33	impact	impact	NOUN
cjfa-12561	271	34	of	of	ADP
cjfa-12561	271	35	the	the	DET
cjfa-12561	271	36	2007–2009	2007–2009	NUM
cjfa-12561	271	37	financial	financial	ADJ
cjfa-12561	271	38	crisis	crisis	NOUN
cjfa-12561	271	39	…	…	PUNCT
cjfa-12561	271	40	55	55	NUM
cjfa-12561	271	41	ments	ment	NOUN
cjfa-12561	271	42	,	,	PUNCT
cjfa-12561	271	43	such	such	ADJ
cjfa-12561	271	44	as	as	ADP
cjfa-12561	271	45	shadow	shadow	NOUN
cjfa-12561	271	46	banking	banking	NOUN
cjfa-12561	271	47	.	.	PUNCT
cjfa-12561	272	1	medium	medium	ADJ
cjfa-12561	272	2	-	-	PUNCT
cjfa-12561	272	3	term	term	NOUN
cjfa-12561	272	4	costs	cost	NOUN
cjfa-12561	272	5	of	of	ADP
cjfa-12561	272	6	implementation	implementation	NOUN
cjfa-12561	272	7	of	of	ADP
cjfa-12561	272	8	those	those	DET
cjfa-12561	272	9	new	new	ADJ
cjfa-12561	272	10	regulations	regulation	NOUN
cjfa-12561	272	11	,	,	PUNCT
cjfa-12561	272	12	and	and	CCONJ
cjfa-12561	272	13	new	new	ADJ
cjfa-12561	272	14	restrictions	restriction	NOUN
cjfa-12561	272	15	may	may	AUX
cjfa-12561	272	16	contribute	contribute	VERB
cjfa-12561	272	17	to	to	ADP
cjfa-12561	272	18	reducing	reduce	VERB
cjfa-12561	272	19	banks	bank	NOUN
cjfa-12561	272	20	’	’	PART
cjfa-12561	272	21	activity	activity	NOUN
cjfa-12561	272	22	,	,	PUNCT
cjfa-12561	272	23	and	and	CCONJ
cjfa-12561	272	24	as	as	ADP
cjfa-12561	272	25	a	a	DET
cjfa-12561	272	26	result	result	NOUN
cjfa-12561	272	27	to	to	ADP
cjfa-12561	272	28	economic	economic	ADJ
cjfa-12561	272	29	slowdown	slowdown	NOUN
cjfa-12561	272	30	.	.	PUNCT
cjfa-12561	273	1	the	the	DET
cjfa-12561	273	2	need	need	NOUN
cjfa-12561	273	3	to	to	PART
cjfa-12561	273	4	increase	increase	VERB
cjfa-12561	273	5	credit	credit	NOUN
cjfa-12561	273	6	institutions	institution	NOUN
cjfa-12561	273	7	’	'	PUNCT
cjfa-12561	273	8	capital	capital	NOUN
cjfa-12561	273	9	increases	increase	VERB
cjfa-12561	273	10	credit	credit	NOUN
cjfa-12561	273	11	crunch	crunch	NOUN
cjfa-12561	273	12	risk	risk	NOUN
cjfa-12561	273	13	,	,	PUNCT
cjfa-12561	273	14	which	which	PRON
cjfa-12561	273	15	may	may	AUX
cjfa-12561	273	16	consequently	consequently	ADV
cjfa-12561	273	17	lead	lead	VERB
cjfa-12561	273	18	to	to	ADP
cjfa-12561	273	19	a	a	DET
cjfa-12561	273	20	decline	decline	NOUN
cjfa-12561	273	21	in	in	ADP
cjfa-12561	273	22	investment	investment	NOUN
cjfa-12561	273	23	and	and	CCONJ
cjfa-12561	273	24	higher	high	ADJ
cjfa-12561	273	25	unemployment	unemployment	NOUN
cjfa-12561	273	26	.	.	PUNCT
cjfa-12561	274	1	credit	credit	NOUN
cjfa-12561	274	2	institutions	institution	NOUN
cjfa-12561	274	3	which	which	PRON
cjfa-12561	274	4	wish	wish	VERB
cjfa-12561	274	5	to	to	PART
cjfa-12561	274	6	achieve	achieve	VERB
cjfa-12561	274	7	high	high	ADJ
cjfa-12561	274	8	revenues	revenue	NOUN
cjfa-12561	274	9	,	,	PUNCT
cjfa-12561	274	10	have	have	VERB
cjfa-12561	274	11	to	to	PART
cjfa-12561	274	12	focus	focus	VERB
cjfa-12561	274	13	on	on	ADP
cjfa-12561	274	14	effective	effective	ADJ
cjfa-12561	274	15	risk	risk	NOUN
cjfa-12561	274	16	management	management	NOUN
cjfa-12561	274	17	.	.	PUNCT
cjfa-12561	275	1	the	the	DET
cjfa-12561	275	2	key	key	ADJ
cjfa-12561	275	3	role	role	NOUN
cjfa-12561	275	4	in	in	ADP
cjfa-12561	275	5	decision	decision	NOUN
cjfa-12561	275	6	-	-	PUNCT
cjfa-12561	275	7	making	make	VERB
cjfa-12561	275	8	process	process	NOUN
cjfa-12561	275	9	could	could	AUX
cjfa-12561	275	10	be	be	AUX
cjfa-12561	275	11	used	use	VERB
cjfa-12561	275	12	rapm	rapm	NOUN
cjfa-12561	275	13	models	model	NOUN
cjfa-12561	275	14	and	and	CCONJ
cjfa-12561	275	15	hurdle	hurdle	NOUN
cjfa-12561	275	16	rate	rate	NOUN
cjfa-12561	275	17	which	which	PRON
cjfa-12561	275	18	will	will	AUX
cjfa-12561	275	19	provide	provide	VERB
cjfa-12561	275	20	banks	bank	NOUN
cjfa-12561	275	21	with	with	ADP
cjfa-12561	275	22	information	information	NOUN
cjfa-12561	275	23	on	on	ADP
cjfa-12561	275	24	how	how	SCONJ
cjfa-12561	275	25	risk	risk	NOUN
cjfa-12561	275	26	taken	take	VERB
cjfa-12561	275	27	may	may	AUX
cjfa-12561	275	28	impact	impact	VERB
cjfa-12561	275	29	on	on	ADP
cjfa-12561	275	30	profitability	profitability	NOUN
cjfa-12561	275	31	(	(	PUNCT
cjfa-12561	275	32	income	income	NOUN
cjfa-12561	275	33	)	)	PUNCT
cjfa-12561	275	34	and	and	CCONJ
cjfa-12561	275	35	,	,	PUNCT
cjfa-12561	275	36	consequently	consequently	ADV
cjfa-12561	275	37	,	,	PUNCT
cjfa-12561	275	38	whether	whether	SCONJ
cjfa-12561	275	39	it	it	PRON
cjfa-12561	275	40	is	be	AUX
cjfa-12561	275	41	worthwhile	worthwhile	ADJ
cjfa-12561	275	42	to	to	PART
cjfa-12561	275	43	allocate	allocate	VERB
cjfa-12561	275	44	capital	capital	NOUN
cjfa-12561	275	45	in	in	ADP
cjfa-12561	275	46	that	that	DET
cjfa-12561	275	47	particular	particular	ADJ
cjfa-12561	275	48	project	project	NOUN
cjfa-12561	275	49	.	.	PUNCT
cjfa-12561	275	50	 	 	SPACE
cjfa-12561	276	1	references	reference	NOUN
cjfa-12561	276	2	basel	basel	PROPN
cjfa-12561	276	3	committee	committee	PROPN
cjfa-12561	276	4	on	on	ADP
cjfa-12561	276	5	banking	banking	NOUN
cjfa-12561	276	6	supervision	supervision	NOUN
cjfa-12561	276	7	(	(	PUNCT
cjfa-12561	276	8	2013	2013	NUM
cjfa-12561	276	9	)	)	PUNCT
cjfa-12561	276	10	.	.	PUNCT
cjfa-12561	277	1	basel	basel	PROPN
cjfa-12561	277	2	iii	iii	PROPN
cjfa-12561	277	3	:	:	PUNCT
cjfa-12561	277	4	the	the	DET
cjfa-12561	277	5	liquidity	liquidity	NOUN
cjfa-12561	277	6	coverage	coverage	NOUN
cjfa-12561	277	7	ratio	ratio	NOUN
cjfa-12561	277	8	and	and	CCONJ
cjfa-12561	277	9	liquidity	liquidity	NOUN
cjfa-12561	277	10	risk	risk	NOUN
cjfa-12561	277	11	monitoring	monitoring	NOUN
cjfa-12561	277	12	tools	tool	NOUN
cjfa-12561	277	13	.	.	PUNCT
cjfa-12561	278	1	basel	basel	PROPN
cjfa-12561	278	2	.	.	PUNCT
cjfa-12561	278	3	bank	bank	PROPN
cjfa-12561	278	4	for	for	ADP
cjfa-12561	278	5	international	international	ADJ
cjfa-12561	278	6	settlements	settlement	NOUN
cjfa-12561	278	7	,	,	PUNCT
cjfa-12561	278	8	january	january	PROPN
cjfa-12561	278	9	,	,	PUNCT
cjfa-12561	278	10	http://www.bis.org/publ/bcbs238.pdf	http://www.bis.org/publ/bcbs238.pdf	NOUN
cjfa-12561	278	11	(	(	PUNCT
cjfa-12561	278	12	accessed	access	VERB
cjfa-12561	278	13	:	:	PUNCT
cjfa-12561	278	14	31.03.2016	31.03.2016	NUM
cjfa-12561	278	15	)	)	PUNCT
cjfa-12561	278	16	.	.	PUNCT
cjfa-12561	279	1	basel	basel	PROPN
cjfa-12561	279	2	committee	committee	PROPN
cjfa-12561	279	3	on	on	ADP
cjfa-12561	279	4	banking	banking	NOUN
cjfa-12561	279	5	supervision	supervision	NOUN
cjfa-12561	279	6	(	(	PUNCT
cjfa-12561	279	7	2014	2014	NUM
cjfa-12561	279	8	)	)	PUNCT
cjfa-12561	279	9	.	.	PUNCT
cjfa-12561	280	1	basel	basel	PROPN
cjfa-12561	280	2	iii	iii	PROPN
cjfa-12561	280	3	:	:	PUNCT
cjfa-12561	280	4	the	the	DET
cjfa-12561	280	5	net	net	ADJ
cjfa-12561	280	6	stable	stable	ADJ
cjfa-12561	280	7	funding	funding	NOUN
cjfa-12561	280	8	ratio	ratio	NOUN
cjfa-12561	280	9	.	.	PUNCT
cjfa-12561	281	1	basel	basel	PROPN
cjfa-12561	281	2	.	.	PUNCT
cjfa-12561	281	3	bank	bank	PROPN
cjfa-12561	281	4	for	for	ADP
cjfa-12561	281	5	international	international	ADJ
cjfa-12561	281	6	settlements	settlement	NOUN
cjfa-12561	281	7	,	,	PUNCT
cjfa-12561	281	8	october	october	PROPN
cjfa-12561	281	9	,	,	PUNCT
cjfa-12561	281	10	http://www.bis.org/bcbs/	http://www.bis.org/bcbs/	NOUN
cjfa-12561	281	11	publ	publ	NOUN
cjfa-12561	281	12	/	/	SYM
cjfa-12561	281	13	d295.pdf	d295.pdf	NOUN
cjfa-12561	281	14	(	(	PUNCT
cjfa-12561	281	15	accessed	access	VERB
cjfa-12561	281	16	:	:	PUNCT
cjfa-12561	281	17	31.03.2016	31.03.2016	NUM
cjfa-12561	281	18	)	)	PUNCT
cjfa-12561	281	19	.	.	PUNCT
cjfa-12561	282	1	bukowski	bukowski	PROPN
cjfa-12561	282	2	,	,	PUNCT
cjfa-12561	282	3	s.	s.	PROPN
cjfa-12561	282	4	,	,	PUNCT
cjfa-12561	282	5	flejterski	flejterski	PROPN
cjfa-12561	282	6	,	,	PUNCT
cjfa-12561	282	7	s.	s.	PROPN
cjfa-12561	282	8	,	,	PUNCT
cjfa-12561	282	9	marcinkowska	marcinkowska	PROPN
cjfa-12561	282	10	,	,	PUNCT
cjfa-12561	282	11	m.	m.	NOUN
cjfa-12561	282	12	,	,	PUNCT
cjfa-12561	282	13	wdowiński	wdowiński	ADJ
cjfa-12561	282	14	,	,	PUNCT
cjfa-12561	282	15	p.	p.	PROPN
cjfa-12561	282	16	,	,	PUNCT
cjfa-12561	282	17	zygierewicz	zygierewicz	NOUN
cjfa-12561	282	18	,	,	PUNCT
cjfa-12561	282	19	m.	m.	NOUN
cjfa-12561	282	20	(	(	PUNCT
cjfa-12561	282	21	2014	2014	NUM
cjfa-12561	282	22	)	)	PUNCT
cjfa-12561	282	23	.	.	PUNCT
cjfa-12561	283	1	wpływ	wpływ	PROPN
cjfa-12561	283	2	regulacji	regulacji	PROPN
cjfa-12561	283	3	sektora	sektora	PROPN
cjfa-12561	283	4	bankowego	bankowego	PROPN
cjfa-12561	283	5	na	na	PROPN
cjfa-12561	283	6	wzrost	wzrost	ADJ
cjfa-12561	283	7	gospodarczy	gospodarczy	PROPN
cjfa-12561	283	8	–	–	PUNCT
cjfa-12561	283	9	wnioski	wnioski	ADJ
cjfa-12561	283	10	dla	dla	PROPN
cjfa-12561	283	11	polski	polski	PROPN
cjfa-12561	283	12	.	.	PUNCT
cjfa-12561	284	1	nbp	nbp	PROPN
cjfa-12561	284	2	.	.	PROPN
cjfa-12561	284	3	warszawa	warszawa	PROPN
cjfa-12561	284	4	.	.	PUNCT
cjfa-12561	285	1	instytut	instytut	PROPN
cjfa-12561	285	2	ekonomiczny	ekonomiczny	PROPN
cjfa-12561	285	3	.	.	PUNCT
cjfa-12561	286	1	materiały	materiały	NOUN
cjfa-12561	286	2	i	i	PRON
cjfa-12561	286	3	studia	studia	VERB
cjfa-12561	286	4	,	,	PUNCT
cjfa-12561	286	5	no	no	INTJ
cjfa-12561	286	6	.	.	NOUN
cjfa-12561	286	7	305	305	NUM
cjfa-12561	286	8	,	,	PUNCT
cjfa-12561	286	9	https://www	https://www	PROPN
cjfa-12561	286	10	.	.	PUNCT
cjfa-12561	287	1	nbp.pl/publikacje/materialy_i_studia/ms305.pdf	nbp.pl/publikacje/materialy_i_studia/ms305.pdf	PROPN
cjfa-12561	287	2	(	(	PUNCT
cjfa-12561	287	3	accessed	access	VERB
cjfa-12561	287	4	:	:	PUNCT
cjfa-12561	287	5	05.05.2016	05.05.2016	NUM
cjfa-12561	287	6	)	)	PUNCT
cjfa-12561	287	7	.	.	PUNCT
cjfa-12561	288	1	cosimano	cosimano	PROPN
cjfa-12561	288	2	,	,	PUNCT
cjfa-12561	288	3	t.f	t.f	PROPN
cjfa-12561	288	4	.	.	PROPN
cjfa-12561	288	5	,	,	PUNCT
cjfa-12561	288	6	hakura	hakura	PROPN
cjfa-12561	288	7	,	,	PUNCT
cjfa-12561	288	8	d.s	d.s	PROPN
cjfa-12561	288	9	.	.	PROPN
cjfa-12561	288	10	(	(	PUNCT
cjfa-12561	288	11	2011	2011	NUM
cjfa-12561	288	12	)	)	PUNCT
cjfa-12561	288	13	.	.	PUNCT
cjfa-12561	289	1	bank	bank	NOUN
cjfa-12561	289	2	behavior	behavior	NOUN
cjfa-12561	289	3	in	in	ADP
cjfa-12561	289	4	response	response	NOUN
cjfa-12561	289	5	to	to	ADP
cjfa-12561	289	6	basel	basel	PROPN
cjfa-12561	289	7	iii	iii	PROPN
cjfa-12561	289	8	:	:	PUNCT
cjfa-12561	289	9	a	a	DET
cjfa-12561	289	10	cross	cross	ADJ
cjfa-12561	289	11	-	-	ADJ
cjfa-12561	289	12	country	country	ADJ
cjfa-12561	289	13	analysis	analysis	NOUN
cjfa-12561	289	14	.	.	PUNCT
cjfa-12561	290	1	international	international	ADJ
cjfa-12561	290	2	monetary	monetary	ADJ
cjfa-12561	290	3	fund	fund	PROPN
cjfa-12561	290	4	working	working	NOUN
cjfa-12561	290	5	paper	paper	NOUN
cjfa-12561	290	6	.	.	PUNCT
cjfa-12561	291	1	wp/11/19	wp/11/19	PROPN
cjfa-12561	291	2	,	,	PUNCT
cjfa-12561	291	3	may	may	AUX
cjfa-12561	291	4	,	,	PUNCT
cjfa-12561	291	5	https://	https://	PROPN
cjfa-12561	291	6	www.imf.org/external/pubs/ft/wp/2011/wp11119.pdf	www.imf.org/external/pubs/ft/wp/2011/wp11119.pdf	PROPN
cjfa-12561	291	7	(	(	PUNCT
cjfa-12561	291	8	accessed	access	VERB
cjfa-12561	291	9	:	:	PUNCT
cjfa-12561	291	10	11.05.2016	11.05.2016	NUM
cjfa-12561	291	11	)	)	PUNCT
cjfa-12561	291	12	.	.	PUNCT
cjfa-12561	292	1	cournède	cournède	PROPN
cjfa-12561	292	2	,	,	PUNCT
cjfa-12561	292	3	b.	b.	PROPN
cjfa-12561	292	4	,	,	PUNCT
cjfa-12561	292	5	slovik	slovik	NOUN
cjfa-12561	292	6	,	,	PUNCT
cjfa-12561	292	7	p.	p.	NOUN
cjfa-12561	292	8	(	(	PUNCT
cjfa-12561	292	9	2011	2011	NUM
cjfa-12561	292	10	)	)	PUNCT
cjfa-12561	292	11	.	.	PUNCT
cjfa-12561	293	1	macroeconomic	macroeconomic	ADJ
cjfa-12561	293	2	impact	impact	NOUN
cjfa-12561	293	3	of	of	ADP
cjfa-12561	293	4	basel	basel	PROPN
cjfa-12561	293	5	iii	iii	PROPN
cjfa-12561	293	6	.	.	PROPN
cjfa-12561	293	7	organisation	organisation	NOUN
cjfa-12561	293	8	for	for	ADP
cjfa-12561	293	9	economic	economic	ADJ
cjfa-12561	293	10	co	co	NOUN
cjfa-12561	293	11	-	-	NOUN
cjfa-12561	293	12	operation	operation	NOUN
cjfa-12561	293	13	and	and	CCONJ
cjfa-12561	293	14	development	development	NOUN
cjfa-12561	293	15	.	.	PUNCT
cjfa-12561	294	1	economics	economics	PROPN
cjfa-12561	294	2	department	department	PROPN
cjfa-12561	294	3	working	working	PROPN
cjfa-12561	294	4	papers	paper	NOUN
cjfa-12561	294	5	no	no	INTJ
cjfa-12561	294	6	.	.	NOUN
cjfa-12561	294	7	844	844	NUM
cjfa-12561	294	8	.	.	PUNCT
cjfa-12561	295	1	eco	eco	PROPN
cjfa-12561	295	2	/	/	SYM
cjfa-12561	295	3	wkp(2011)13	wkp(2011)13	PROPN
cjfa-12561	295	4	,	,	PUNCT
cjfa-12561	295	5	february	february	PROPN
cjfa-12561	295	6	,	,	PUNCT
cjfa-12561	295	7	http://www.keepeek.com/digital-asset-management/oecd/economics/macroeconomic-impact-of-basel-iii_5kghwnhkkjs8-en#page1	http://www.keepeek.com/digital-asset-management/oecd/economics/macroeconomic-impact-of-basel-iii_5kghwnhkkjs8-en#page1	PROPN
cjfa-12561	295	8	(	(	PUNCT
cjfa-12561	295	9	accessed	access	VERB
cjfa-12561	295	10	:	:	PUNCT
cjfa-12561	295	11	12.05.2016	12.05.2016	NUM
cjfa-12561	295	12	)	)	PUNCT
cjfa-12561	295	13	.	.	PUNCT
cjfa-12561	296	1	institute	institute	PROPN
cjfa-12561	296	2	of	of	ADP
cjfa-12561	296	3	international	international	ADJ
cjfa-12561	296	4	finance	finance	NOUN
cjfa-12561	296	5	(	(	PUNCT
cjfa-12561	296	6	2011	2011	NUM
cjfa-12561	296	7	)	)	PUNCT
cjfa-12561	296	8	.	.	PUNCT
cjfa-12561	297	1	the	the	DET
cjfa-12561	297	2	cumulative	cumulative	ADJ
cjfa-12561	297	3	impact	impact	NOUN
cjfa-12561	297	4	on	on	ADP
cjfa-12561	297	5	the	the	DET
cjfa-12561	297	6	global	global	ADJ
cjfa-12561	297	7	economy	economy	NOUN
cjfa-12561	297	8	of	of	ADP
cjfa-12561	297	9	changes	change	NOUN
cjfa-12561	297	10	in	in	ADP
cjfa-12561	297	11	the	the	DET
cjfa-12561	297	12	financial	financial	ADJ
cjfa-12561	297	13	regulatory	regulatory	ADJ
cjfa-12561	297	14	framework	framework	NOUN
cjfa-12561	297	15	,	,	PUNCT
cjfa-12561	297	16	september	september	PROPN
cjfa-12561	297	17	,	,	PUNCT
cjfa-12561	297	18	https://www.iif	https://www.iif	PROPN
cjfa-12561	297	19	.	.	PUNCT
cjfa-12561	297	20	com	com	NOUN
cjfa-12561	297	21	/	/	SYM
cjfa-12561	297	22	file/7080	file/7080	NOUN
cjfa-12561	297	23	/	/	SYM
cjfa-12561	297	24	download?token	download?token	NOUN
cjfa-12561	297	25	=	=	NUM
cjfa-12561	297	26	cwkxthfb	cwkxthfb	NOUN
cjfa-12561	297	27	(	(	PUNCT
cjfa-12561	297	28	accessed	access	VERB
cjfa-12561	297	29	:	:	PUNCT
cjfa-12561	297	30	12.05.2016	12.05.2016	NUM
cjfa-12561	297	31	)	)	PUNCT
cjfa-12561	297	32	.	.	PUNCT
cjfa-12561	298	1	iwanicz	iwanicz	NOUN
cjfa-12561	298	2	-	-	PUNCT
cjfa-12561	298	3	drozdowska	drozdowska	NOUN
cjfa-12561	298	4	,	,	PUNCT
cjfa-12561	298	5	m.	m.	NOUN
cjfa-12561	298	6	(	(	PUNCT
cjfa-12561	298	7	2012	2012	NUM
cjfa-12561	298	8	)	)	PUNCT
cjfa-12561	298	9	.	.	PUNCT
cjfa-12561	299	1	zarządzanie	zarządzanie	PROPN
cjfa-12561	299	2	finansowe	finansowe	PROPN
cjfa-12561	299	3	bankiem	bankiem	PROPN
cjfa-12561	299	4	.	.	PUNCT
cjfa-12561	300	1	warszawa	warszawa	PROPN
cjfa-12561	300	2	:	:	PUNCT
cjfa-12561	300	3	polskie	polskie	NOUN
cjfa-12561	300	4	wydawnictwo	wydawnictwo	PROPN
cjfa-12561	300	5	ekonomiczne	ekonomiczne	PROPN
cjfa-12561	300	6	,	,	PUNCT
cjfa-12561	300	7	wyd	wyd	PROPN
cjfa-12561	300	8	.	.	PUNCT
cjfa-12561	300	9	iii	iii	PROPN
cjfa-12561	300	10	zmienione	zmienione	NOUN
cjfa-12561	300	11	.	.	PUNCT
cjfa-12561	301	1	kałużny	kałużny	PROPN
cjfa-12561	301	2	,	,	PUNCT
cjfa-12561	301	3	r.	r.	PROPN
cjfa-12561	301	4	(	(	PUNCT
cjfa-12561	301	5	2012	2012	NUM
cjfa-12561	301	6	)	)	PUNCT
cjfa-12561	301	7	.	.	PUNCT
cjfa-12561	302	1	ocena	ocena	PROPN
cjfa-12561	302	2	i	i	PROPN
cjfa-12561	302	3	analiza	analiza	PROPN
cjfa-12561	302	4	sytuacji	sytuacji	NOUN
cjfa-12561	302	5	majątkowo	majątkowo	PROPN
cjfa-12561	302	6	-	-	PUNCT
cjfa-12561	302	7	finansowej	finansowej	NOUN
cjfa-12561	302	8	.	.	PUNCT
cjfa-12561	303	1	in	in	ADP
cjfa-12561	303	2	gospodarowicz	gospodarowicz	PROPN
cjfa-12561	303	3	a.	a.	NOUN
cjfa-12561	303	4	,	,	PUNCT
cjfa-12561	303	5	nosowski	nosowski	NOUN
cjfa-12561	303	6	a.	a.	NOUN
cjfa-12561	303	7	(	(	PUNCT
cjfa-12561	303	8	ed	ed	NOUN
cjfa-12561	303	9	.	.	PUNCT
cjfa-12561	303	10	)	)	PUNCT
cjfa-12561	304	1	zarządzanie	zarządzanie	PROPN
cjfa-12561	304	2	instytucjami	instytucjami	PROPN
cjfa-12561	304	3	kredytowymi	kredytowymi	VERB
cjfa-12561	304	4	(	(	PUNCT
cjfa-12561	304	5	pp	pp	ADJ
cjfa-12561	304	6	.	.	PUNCT
cjfa-12561	305	1	220–238	220–238	NUM
cjfa-12561	305	2	)	)	PUNCT
cjfa-12561	305	3	.	.	PUNCT
cjfa-12561	306	1	warszawa	warszawa	PROPN
cjfa-12561	306	2	.	.	PUNCT
cjfa-12561	307	1	wydawnictwo	wydawnictwo	PROPN
cjfa-12561	307	2	c.h	c.h	PROPN
cjfa-12561	307	3	.	.	PROPN
cjfa-12561	307	4	beck	beck	PROPN
cjfa-12561	307	5	.	.	PUNCT
cjfa-12561	308	1	kochaniak	kochaniak	PROPN
cjfa-12561	308	2	,	,	PUNCT
cjfa-12561	308	3	k.	k.	PROPN
cjfa-12561	308	4	(	(	PUNCT
cjfa-12561	308	5	2012	2012	NUM
cjfa-12561	308	6	)	)	PUNCT
cjfa-12561	308	7	.	.	PUNCT
cjfa-12561	309	1	rodzaje	rodzaje	NOUN
cjfa-12561	309	2	ryzyka	ryzyka	ADJ
cjfa-12561	309	3	bankowego	bankowego	NOUN
cjfa-12561	310	1	i	i	PRON
cjfa-12561	310	2	zarządzanie	zarządzanie	PROPN
cjfa-12561	310	3	nim	nim	PROPN
cjfa-12561	310	4	.	.	PROPN
cjfa-12561	311	1	in	in	ADP
cjfa-12561	311	2	a.	a.	NOUN
cjfa-12561	311	3	gospodarowicz	gospodarowicz	PROPN
cjfa-12561	311	4	,	,	PUNCT
cjfa-12561	311	5	a.	a.	NOUN
cjfa-12561	311	6	nosowski	nosowski	NOUN
cjfa-12561	311	7	(	(	PUNCT
cjfa-12561	311	8	ed	ed	NOUN
cjfa-12561	311	9	.	.	PUNCT
cjfa-12561	311	10	)	)	PUNCT
cjfa-12561	311	11	,	,	PUNCT
cjfa-12561	311	12	zarządzanie	zarządzanie	PROPN
cjfa-12561	311	13	instytucjami	instytucjami	PROPN
cjfa-12561	311	14	kredytowymi	kredytowymi	VERB
cjfa-12561	311	15	(	(	PUNCT
cjfa-12561	311	16	pp	pp	ADJ
cjfa-12561	311	17	.	.	PUNCT
cjfa-12561	312	1	239–252	239–252	NUM
cjfa-12561	312	2	)	)	PUNCT
cjfa-12561	312	3	.	.	PUNCT
cjfa-12561	313	1	warszawa	warszawa	PROPN
cjfa-12561	313	2	:	:	PUNCT
cjfa-12561	313	3	wydawnictwo	wydawnictwo	PROPN
cjfa-12561	313	4	c.h	c.h	PROPN
cjfa-12561	313	5	.	.	PROPN
cjfa-12561	313	6	beck	beck	PROPN
cjfa-12561	313	7	.	.	PUNCT
cjfa-12561	314	1	michał	michał	PROPN
cjfa-12561	314	2	boda56	boda56	PROPN
cjfa-12561	314	3	koleśnik	koleśnik	PROPN
cjfa-12561	314	4	,	,	PUNCT
cjfa-12561	314	5	j.	j.	PROPN
cjfa-12561	314	6	(	(	PUNCT
cjfa-12561	314	7	2014	2014	NUM
cjfa-12561	314	8	)	)	PUNCT
cjfa-12561	314	9	,	,	PUNCT
cjfa-12561	314	10	adekwatność	adekwatność	PROPN
cjfa-12561	314	11	kapitałowa	kapitałowa	PROPN
cjfa-12561	314	12	banków	banków	PROPN
cjfa-12561	314	13	,	,	PUNCT
cjfa-12561	314	14	standardy	standardy	NOUN
cjfa-12561	314	15	regulacyjne	regulacyjne	NOUN
cjfa-12561	314	16	.	.	PUNCT
cjfa-12561	315	1	warszawa	warszawa	PROPN
cjfa-12561	315	2	:	:	PUNCT
cjfa-12561	315	3	wydawnictwo	wydawnictwo	PROPN
cjfa-12561	315	4	difin	difin	NOUN
cjfa-12561	315	5	.	.	PUNCT
cjfa-12561	316	1	komisja	komisja	PROPN
cjfa-12561	316	2	nadzoru	nadzoru	PROPN
cjfa-12561	316	3	finansowego	finansowego	PROPN
cjfa-12561	316	4	(	(	PUNCT
cjfa-12561	316	5	2016a	2016a	NUM
cjfa-12561	316	6	)	)	PUNCT
cjfa-12561	316	7	.	.	PUNCT
cjfa-12561	317	1	pakiet	pakiet	PROPN
cjfa-12561	317	2	crd	crd	PROPN
cjfa-12561	317	3	iv	iv	PROPN
cjfa-12561	317	4	/	/	SYM
cjfa-12561	317	5	crr	crr	PROPN
cjfa-12561	317	6	–	–	PUNCT
cjfa-12561	317	7	historia	historia	PROPN
cjfa-12561	317	8	i	i	PROPN
cjfa-12561	317	9	założenia	założenia	PROPN
cjfa-12561	317	10	projektu	projektu	NOUN
cjfa-12561	317	11	,	,	PUNCT
cjfa-12561	317	12	https://www.knf.gov.pl/crd/pakiet_crd4_historia.html	https://www.knf.gov.pl/crd/pakiet_crd4_historia.html	PROPN
cjfa-12561	317	13	(	(	PUNCT
cjfa-12561	317	14	accessed	access	VERB
cjfa-12561	317	15	:	:	PUNCT
cjfa-12561	317	16	05.01.2016	05.01.2016	NUM
cjfa-12561	317	17	)	)	PUNCT
cjfa-12561	317	18	.	.	PUNCT
cjfa-12561	318	1	komisja	komisja	PROPN
cjfa-12561	318	2	nadzoru	nadzoru	PROPN
cjfa-12561	318	3	finansowego	finansowego	PROPN
cjfa-12561	318	4	(	(	PUNCT
cjfa-12561	318	5	2016b	2016b	NUM
cjfa-12561	318	6	)	)	PUNCT
cjfa-12561	318	7	.	.	PUNCT
cjfa-12561	319	1	finalny	finalny	PROPN
cjfa-12561	319	2	tekst	tekst	PROPN
cjfa-12561	319	3	tzw	tzw	PROPN
cjfa-12561	319	4	.	.	PUNCT
cjfa-12561	320	1	pakietu	pakietu	PROPN
cjfa-12561	320	2	crd	crd	PROPN
cjfa-12561	320	3	iv	iv	PROPN
cjfa-12561	320	4	/	/	SYM
cjfa-12561	320	5	crr	crr	PROPN
cjfa-12561	320	6	wraz	wraz	PROPN
cjfa-12561	320	7	ze	ze	PROPN
cjfa-12561	320	8	zmianami	zmianami	PROPN
cjfa-12561	320	9	,	,	PUNCT
cjfa-12561	320	10	https://www.knf.gov.pl/finalny_tekst_pakietu.html	https://www.knf.gov.pl/finalny_tekst_pakietu.html	PROPN
cjfa-12561	320	11	(	(	PUNCT
cjfa-12561	320	12	accessed	access	VERB
cjfa-12561	320	13	:	:	PUNCT
cjfa-12561	320	14	17.02.2016	17.02.2016	NUM
cjfa-12561	320	15	)	)	PUNCT
cjfa-12561	320	16	.	.	PUNCT
cjfa-12561	321	1	macroeconomic	macroeconomic	ADJ
cjfa-12561	321	2	assessment	assessment	NOUN
cjfa-12561	321	3	group	group	NOUN
cjfa-12561	321	4	(	(	PUNCT
cjfa-12561	321	5	2010	2010	NUM
cjfa-12561	321	6	)	)	PUNCT
cjfa-12561	321	7	.	.	PUNCT
cjfa-12561	322	1	assessing	assess	VERB
cjfa-12561	322	2	the	the	DET
cjfa-12561	322	3	macroeconomic	macroeconomic	ADJ
cjfa-12561	322	4	impact	impact	NOUN
cjfa-12561	322	5	of	of	ADP
cjfa-12561	322	6	the	the	DET
cjfa-12561	322	7	transition	transition	NOUN
cjfa-12561	322	8	to	to	ADP
cjfa-12561	322	9	stronger	strong	ADJ
cjfa-12561	322	10	capital	capital	NOUN
cjfa-12561	322	11	and	and	CCONJ
cjfa-12561	322	12	liquidity	liquidity	NOUN
cjfa-12561	322	13	requirements	requirement	NOUN
cjfa-12561	322	14	–	–	PUNCT
cjfa-12561	322	15	final	final	ADJ
cjfa-12561	322	16	report	report	NOUN
cjfa-12561	322	17	.	.	PUNCT
cjfa-12561	323	1	basel	basel	PROPN
cjfa-12561	323	2	.	.	PUNCT
cjfa-12561	323	3	bank	bank	PROPN
cjfa-12561	323	4	for	for	ADP
cjfa-12561	323	5	international	international	ADJ
cjfa-12561	323	6	settlements	settlement	NOUN
cjfa-12561	323	7	,	,	PUNCT
cjfa-12561	323	8	december	december	PROPN
cjfa-12561	323	9	,	,	PUNCT
cjfa-12561	323	10	http://www.bis.org/publ/othp12.pdf	http://www.bis.org/publ/othp12.pdf	NOUN
cjfa-12561	323	11	(	(	PUNCT
cjfa-12561	323	12	accessed	access	VERB
cjfa-12561	323	13	:	:	PUNCT
cjfa-12561	323	14	11.05.2016	11.05.2016	NUM
cjfa-12561	323	15	)	)	PUNCT
cjfa-12561	323	16	.	.	PUNCT
cjfa-12561	324	1	marcinkowska	marcinkowska	NOUN
cjfa-12561	324	2	,	,	PUNCT
cjfa-12561	324	3	m.	m.	NOUN
cjfa-12561	324	4	(	(	PUNCT
cjfa-12561	324	5	2013	2013	NUM
cjfa-12561	324	6	)	)	PUNCT
cjfa-12561	324	7	.	.	PUNCT
cjfa-12561	325	1	regulation	regulation	NOUN
cjfa-12561	325	2	and	and	CCONJ
cjfa-12561	325	3	self	self	NOUN
cjfa-12561	325	4	-	-	PUNCT
cjfa-12561	325	5	regulation	regulation	NOUN
cjfa-12561	325	6	in	in	ADP
cjfa-12561	325	7	banking	banking	NOUN
cjfa-12561	325	8	:	:	PUNCT
cjfa-12561	325	9	in	in	ADP
cjfa-12561	325	10	search	search	NOUN
cjfa-12561	325	11	of	of	ADP
cjfa-12561	325	12	optimum	optimum	NOUN
cjfa-12561	325	13	.	.	PUNCT
cjfa-12561	326	1	bank	bank	NOUN
cjfa-12561	327	1	i	i	PRON
cjfa-12561	327	2	kredyt	kredyt	NOUN
cjfa-12561	327	3	,	,	PUNCT
cjfa-12561	327	4	44(2	44(2	NOUN
cjfa-12561	327	5	)	)	PUNCT
cjfa-12561	327	6	,	,	PUNCT
cjfa-12561	327	7	http://bankikredyt.nbp.pl/content/2013/02/	http://bankikredyt.nbp.pl/content/2013/02/	X
cjfa-12561	327	8	bik_02_2013_01_art.pdf	bik_02_2013_01_art.pdf	PROPN
cjfa-12561	327	9	(	(	PUNCT
cjfa-12561	327	10	accessed	access	VERB
cjfa-12561	327	11	:	:	PUNCT
cjfa-12561	327	12	12.05.2016	12.05.2016	NUM
cjfa-12561	327	13	)	)	PUNCT
cjfa-12561	327	14	.	.	PUNCT
cjfa-12561	328	1	oxford	oxford	PROPN
cjfa-12561	328	2	economics	economics	PROPN
cjfa-12561	328	3	(	(	PUNCT
cjfa-12561	328	4	2013	2013	NUM
cjfa-12561	328	5	)	)	PUNCT
cjfa-12561	328	6	.	.	PUNCT
cjfa-12561	329	1	analyzing	analyze	VERB
cjfa-12561	329	2	the	the	DET
cjfa-12561	329	3	impact	impact	NOUN
cjfa-12561	329	4	of	of	ADP
cjfa-12561	329	5	bank	bank	NOUN
cjfa-12561	329	6	capital	capital	NOUN
cjfa-12561	329	7	and	and	CCONJ
cjfa-12561	329	8	liquidity	liquidity	NOUN
cjfa-12561	329	9	regulations	regulation	NOUN
cjfa-12561	329	10	on	on	ADP
cjfa-12561	329	11	us	we	PRON
cjfa-12561	329	12	economic	economic	ADJ
cjfa-12561	329	13	growth	growth	NOUN
cjfa-12561	329	14	.	.	PUNCT
cjfa-12561	330	1	a	a	DET
cjfa-12561	330	2	report	report	NOUN
cjfa-12561	330	3	prepared	prepare	VERB
cjfa-12561	330	4	for	for	ADP
cjfa-12561	330	5	the	the	DET
cjfa-12561	330	6	clearing	clearing	NOUN
cjfa-12561	330	7	house	house	PROPN
cjfa-12561	330	8	association	association	PROPN
cjfa-12561	330	9	,	,	PUNCT
cjfa-12561	330	10	april	april	PROPN
cjfa-12561	330	11	,	,	PUNCT
cjfa-12561	330	12	https://www.theclearinghouse.org/~/media/files/association%20	https://www.theclearinghouse.org/~/media/files/association%20	PROPN
cjfa-12561	330	13	documents/20130410%20oxford%20economics%20study%20impact%20of%20	documents/20130410%20oxford%20economics%20study%20impact%20of%20	PROPN
cjfa-12561	330	14	bank%20capital%20and%20liquidity%20regulations%20on%20us%20economy	bank%20capital%20and%20liquidity%20regulations%20on%20us%20economy	AUX
cjfa-12561	330	15	.	.	PROPN
cjfa-12561	330	16	pdf	pdf	NOUN
cjfa-12561	330	17	(	(	PUNCT
cjfa-12561	330	18	accessed	access	VERB
cjfa-12561	330	19	:	:	PUNCT
cjfa-12561	330	20	12.05.2016	12.05.2016	NUM
cjfa-12561	330	21	)	)	PUNCT
cjfa-12561	330	22	.	.	PUNCT
cjfa-12561	331	1	płókarz	płókarz	PROPN
cjfa-12561	331	2	,	,	PUNCT
cjfa-12561	331	3	r.	r.	PROPN
cjfa-12561	331	4	(	(	PUNCT
cjfa-12561	331	5	2013	2013	NUM
cjfa-12561	331	6	)	)	PUNCT
cjfa-12561	331	7	.	.	PUNCT
cjfa-12561	332	1	globalne	globalne	PROPN
cjfa-12561	332	2	rynki	rynki	PROPN
cjfa-12561	332	3	finansowe	finansowe	PROPN
cjfa-12561	332	4	,	,	PUNCT
cjfa-12561	332	5	praktyka	praktyka	PROPN
cjfa-12561	332	6	funkcjonowania	funkcjonowania	PROPN
cjfa-12561	332	7	.	.	PUNCT
cjfa-12561	333	1	warszawa	warszawa	PROPN
cjfa-12561	333	2	:	:	PUNCT
cjfa-12561	333	3	wydawnictwo	wydawnictwo	PROPN
cjfa-12561	333	4	naukowe	naukowe	NOUN
cjfa-12561	333	5	pwn	pwn	NOUN
cjfa-12561	333	6	.	.	PUNCT