id	sid	tid	token	lemma	pos
cjfa-16353	1	1	copernican	copernican	PROPN
cjfa-16353	1	2	journal	journal	PROPN
cjfa-16353	1	3	of	of	ADP
cjfa-16353	1	4	finance	finance	PROPN
cjfa-16353	1	5	&	&	CCONJ
cjfa-16353	1	6	accounting	accounting	PROPN
cjfa-16353	1	7	e	e	PROPN
cjfa-16353	1	8	-	-	PROPN
cjfa-16353	1	9	issn	issn	PROPN
cjfa-16353	1	10	2300	2300	NUM
cjfa-16353	1	11	-	-	SYM
cjfa-16353	1	12	3065	3065	NUM
cjfa-16353	1	13	p	p	PROPN
cjfa-16353	1	14	-	-	PUNCT
cjfa-16353	1	15	issn	issn	PROPN
cjfa-16353	1	16	2300	2300	NUM
cjfa-16353	1	17	-	-	SYM
cjfa-16353	1	18	12402017	12402017	NUM
cjfa-16353	1	19	,	,	PUNCT
cjfa-16353	1	20	volume	volume	NOUN
cjfa-16353	1	21	6	6	NUM
cjfa-16353	1	22	,	,	PUNCT
cjfa-16353	1	23	issue	issue	NOUN
cjfa-16353	1	24	3	3	NUM
cjfa-16353	1	25	date	date	NOUN
cjfa-16353	1	26	of	of	ADP
cjfa-16353	1	27	submission	submission	NOUN
cjfa-16353	1	28	:	:	PUNCT
cjfa-16353	1	29	september	september	PROPN
cjfa-16353	1	30	1	1	NUM
cjfa-16353	1	31	,	,	PUNCT
cjfa-16353	1	32	2017	2017	NUM
cjfa-16353	1	33	;	;	PUNCT
cjfa-16353	1	34	date	date	NOUN
cjfa-16353	1	35	of	of	ADP
cjfa-16353	1	36	acceptance	acceptance	NOUN
cjfa-16353	1	37	:	:	PUNCT
cjfa-16353	1	38	november	november	PROPN
cjfa-16353	1	39	7	7	NUM
cjfa-16353	1	40	,	,	PUNCT
cjfa-16353	1	41	2017	2017	NUM
cjfa-16353	1	42	.	.	PUNCT
cjfa-16353	2	1	*	*	PUNCT
cjfa-16353	2	2	contact	contact	NOUN
cjfa-16353	2	3	information	information	NOUN
cjfa-16353	2	4	:	:	PUNCT
cjfa-16353	2	5	maria.golec@wsb.poznan.pl	maria.golec@wsb.poznan.pl	PROPN
cjfa-16353	2	6	,	,	PUNCT
cjfa-16353	2	7	wsb	wsb	PROPN
cjfa-16353	2	8	university	university	PROPN
cjfa-16353	2	9	in	in	ADP
cjfa-16353	2	10	poznan	poznan	PROPN
cjfa-16353	2	11	,	,	PUNCT
cjfa-16353	2	12	ul	ul	INTJ
cjfa-16353	2	13	.	.	PUNCT
cjfa-16353	2	14	powstańców	powstańców	PROPN
cjfa-16353	2	15	wielkopolskich	wielkopolskich	PROPN
cjfa-16353	2	16	5	5	NUM
cjfa-16353	2	17	,	,	PUNCT
cjfa-16353	2	18	61	61	NUM
cjfa-16353	2	19	-	-	SYM
cjfa-16353	2	20	895	895	NUM
cjfa-16353	2	21	poznań	poznań	NOUN
cjfa-16353	2	22	,	,	PUNCT
cjfa-16353	2	23	poland	poland	PROPN
cjfa-16353	2	24	,	,	PUNCT
cjfa-16353	2	25	phone	phone	NOUN
cjfa-16353	2	26	:	:	PUNCT
cjfa-16353	2	27	65	65	NUM
cjfa-16353	2	28	655	655	NUM
cjfa-16353	2	29	33	33	NUM
cjfa-16353	2	30	21	21	NUM
cjfa-16353	2	31	;	;	PUNCT
cjfa-16353	2	32	orcid	orcid	PROPN
cjfa-16353	3	1	i	i	NOUN
cjfa-16353	3	2	d	d	NOUN
cjfa-16353	3	3	:	:	PUNCT
cjfa-16353	3	4	https://orcid.org/0000-0003-2474-3987	https://orcid.org/0000-0003-2474-3987	NOUN
cjfa-16353	3	5	.	.	PUNCT
cjfa-16353	4	1	golec	golec	NOUN
cjfa-16353	4	2	,	,	PUNCT
cjfa-16353	4	3	m.	m.	NOUN
cjfa-16353	4	4	m.	m.	NOUN
cjfa-16353	4	5	(	(	PUNCT
cjfa-16353	4	6	2017	2017	NUM
cjfa-16353	4	7	)	)	PUNCT
cjfa-16353	4	8	.	.	PUNCT
cjfa-16353	5	1	locality	locality	NOUN
cjfa-16353	5	2	and	and	CCONJ
cjfa-16353	5	3	the	the	DET
cjfa-16353	5	4	transfer	transfer	NOUN
cjfa-16353	5	5	of	of	ADP
cjfa-16353	5	6	funds	fund	NOUN
cjfa-16353	5	7	in	in	ADP
cjfa-16353	5	8	the	the	DET
cjfa-16353	5	9	cooperative	cooperative	ADJ
cjfa-16353	5	10	banking	banking	NOUN
cjfa-16353	5	11	sector	sector	NOUN
cjfa-16353	5	12	in	in	ADP
cjfa-16353	5	13	poland	poland	PROPN
cjfa-16353	5	14	.	.	PUNCT
cjfa-16353	6	1	copernican	copernican	PROPN
cjfa-16353	6	2	journal	journal	PROPN
cjfa-16353	6	3	of	of	ADP
cjfa-16353	6	4	finance	finance	PROPN
cjfa-16353	6	5	&	&	CCONJ
cjfa-16353	6	6	accounting	accounting	PROPN
cjfa-16353	6	7	,	,	PUNCT
cjfa-16353	6	8	6(3	6(3	NUM
cjfa-16353	6	9	)	)	PUNCT
cjfa-16353	6	10	,	,	PUNCT
cjfa-16353	6	11	21–33	21–33	NUM
cjfa-16353	6	12	.	.	PUNCT
cjfa-16353	7	1	http://dx.doi.org/10.12775/	http://dx.doi.org/10.12775/	PROPN
cjfa-16353	7	2	cjfa.2017.014	cjfa.2017.014	PROPN
cjfa-16353	7	3	maria	maria	PROPN
cjfa-16353	7	4	magdalena	magdalena	PROPN
cjfa-16353	7	5	golec	golec	PROPN
cjfa-16353	7	6	*	*	PUNCT
cjfa-16353	7	7	wsb	wsb	PROPN
cjfa-16353	7	8	university	university	PROPN
cjfa-16353	7	9	in	in	ADP
cjfa-16353	7	10	poznan	poznan	PROPN
cjfa-16353	7	11	locality	locality	PROPN
cjfa-16353	7	12	and	and	CCONJ
cjfa-16353	7	13	the	the	DET
cjfa-16353	7	14	transfer	transfer	NOUN
cjfa-16353	7	15	of	of	ADP
cjfa-16353	7	16	funds	fund	NOUN
cjfa-16353	7	17	in	in	ADP
cjfa-16353	7	18	the	the	DET
cjfa-16353	7	19	cooperative	cooperative	ADJ
cjfa-16353	7	20	banking	banking	NOUN
cjfa-16353	7	21	sector	sector	NOUN
cjfa-16353	7	22	in	in	ADP
cjfa-16353	7	23	poland	poland	PROPN
cjfa-16353	7	24	keywords	keyword	NOUN
cjfa-16353	7	25	:	:	PUNCT
cjfa-16353	7	26	locality	locality	NOUN
cjfa-16353	7	27	,	,	PUNCT
cjfa-16353	7	28	net	net	ADJ
cjfa-16353	7	29	lenders	lender	NOUN
cjfa-16353	7	30	,	,	PUNCT
cjfa-16353	7	31	cooperative	cooperative	ADJ
cjfa-16353	7	32	banks	bank	NOUN
cjfa-16353	7	33	.	.	PUNCT
cjfa-16353	8	1	j	j	PROPN
cjfa-16353	8	2	e	e	PROPN
cjfa-16353	8	3	l	l	PROPN
cjfa-16353	8	4	classification	classification	NOUN
cjfa-16353	8	5	:	:	PUNCT
cjfa-16353	8	6	g21	g21	PROPN
cjfa-16353	8	7	,	,	PUNCT
cjfa-16353	8	8	m21	m21	PROPN
cjfa-16353	8	9	.	.	PUNCT
cjfa-16353	9	1	abstract	abstract	NOUN
cjfa-16353	9	2	:	:	PUNCT
cjfa-16353	9	3	one	one	NUM
cjfa-16353	9	4	of	of	ADP
cjfa-16353	9	5	the	the	DET
cjfa-16353	9	6	most	most	ADV
cjfa-16353	9	7	important	important	ADJ
cjfa-16353	9	8	features	feature	NOUN
cjfa-16353	9	9	of	of	ADP
cjfa-16353	9	10	cooperative	cooperative	ADJ
cjfa-16353	9	11	banks	bank	NOUN
cjfa-16353	9	12	is	be	AUX
cjfa-16353	9	13	locality	locality	NOUN
cjfa-16353	9	14	which	which	PRON
cjfa-16353	9	15	means	mean	VERB
cjfa-16353	9	16	concentrating	concentrate	VERB
cjfa-16353	9	17	financial	financial	ADJ
cjfa-16353	9	18	activity	activity	NOUN
cjfa-16353	9	19	on	on	ADP
cjfa-16353	9	20	a	a	DET
cjfa-16353	9	21	specific	specific	ADJ
cjfa-16353	9	22	area	area	NOUN
cjfa-16353	9	23	.	.	PUNCT
cjfa-16353	10	1	the	the	DET
cjfa-16353	10	2	consequence	consequence	NOUN
cjfa-16353	10	3	of	of	ADP
cjfa-16353	10	4	locating	locate	VERB
cjfa-16353	10	5	the	the	DET
cjfa-16353	10	6	banking	banking	NOUN
cjfa-16353	10	7	activity	activity	NOUN
cjfa-16353	10	8	locally	locally	ADV
cjfa-16353	10	9	is	be	AUX
cjfa-16353	10	10	the	the	DET
cjfa-16353	10	11	use	use	NOUN
cjfa-16353	10	12	of	of	ADP
cjfa-16353	10	13	funds	fund	NOUN
cjfa-16353	10	14	raised	raise	VERB
cjfa-16353	10	15	from	from	ADP
cjfa-16353	10	16	the	the	DET
cjfa-16353	10	17	local	local	ADJ
cjfa-16353	10	18	market	market	NOUN
cjfa-16353	10	19	for	for	ADP
cjfa-16353	10	20	credit	credit	NOUN
cjfa-16353	10	21	needs	need	NOUN
cjfa-16353	10	22	of	of	ADP
cjfa-16353	10	23	the	the	DET
cjfa-16353	10	24	community	community	NOUN
cjfa-16353	10	25	.	.	PUNCT
cjfa-16353	11	1	the	the	DET
cjfa-16353	11	2	barrier	barrier	NOUN
cjfa-16353	11	3	in	in	ADP
cjfa-16353	11	4	this	this	DET
cjfa-16353	11	5	area	area	NOUN
cjfa-16353	11	6	may	may	AUX
cjfa-16353	11	7	be	be	AUX
cjfa-16353	11	8	an	an	DET
cjfa-16353	11	9	imbalance	imbalance	NOUN
cjfa-16353	11	10	between	between	ADP
cjfa-16353	11	11	the	the	DET
cjfa-16353	11	12	loans	loan	NOUN
cjfa-16353	11	13	and	and	CCONJ
cjfa-16353	11	14	deposits	deposit	NOUN
cjfa-16353	11	15	when	when	SCONJ
cjfa-16353	11	16	the	the	DET
cjfa-16353	11	17	co	co	ADJ
cjfa-16353	11	18	-	-	ADJ
cjfa-16353	11	19	operative	operative	ADJ
cjfa-16353	11	20	principle	principle	NOUN
cjfa-16353	11	21	(	(	PUNCT
cjfa-16353	11	22	the	the	DET
cjfa-16353	11	23	local	local	ADJ
cjfa-16353	11	24	money	money	NOUN
cjfa-16353	11	25	for	for	ADP
cjfa-16353	11	26	local	local	ADJ
cjfa-16353	11	27	needs	need	NOUN
cjfa-16353	11	28	)	)	PUNCT
cjfa-16353	11	29	is	be	AUX
cjfa-16353	11	30	not	not	PART
cjfa-16353	11	31	met	meet	VERB
cjfa-16353	11	32	.	.	PUNCT
cjfa-16353	12	1	the	the	DET
cjfa-16353	12	2	paper	paper	NOUN
cjfa-16353	12	3	aims	aim	VERB
cjfa-16353	12	4	to	to	PART
cjfa-16353	12	5	examine	examine	VERB
cjfa-16353	12	6	the	the	DET
cjfa-16353	12	7	scope	scope	NOUN
cjfa-16353	12	8	of	of	ADP
cjfa-16353	12	9	the	the	DET
cjfa-16353	12	10	principle	principle	NOUN
cjfa-16353	12	11	of	of	ADP
cjfa-16353	12	12	locality	locality	NOUN
cjfa-16353	12	13	by	by	ADP
cjfa-16353	12	14	the	the	DET
cjfa-16353	12	15	cooperative	cooperative	ADJ
cjfa-16353	12	16	banks	bank	NOUN
cjfa-16353	12	17	in	in	ADP
cjfa-16353	12	18	poland	poland	PROPN
cjfa-16353	12	19	.	.	PUNCT
cjfa-16353	13	1	the	the	DET
cjfa-16353	13	2	study	study	NOUN
cjfa-16353	13	3	uses	use	VERB
cjfa-16353	13	4	quarterly	quarterly	ADJ
cjfa-16353	13	5	financial	financial	ADJ
cjfa-16353	13	6	data	datum	NOUN
cjfa-16353	13	7	from	from	ADP
cjfa-16353	13	8	the	the	DET
cjfa-16353	13	9	years	year	NOUN
cjfa-16353	13	10	2009–2016	2009–2016	NUM
cjfa-16353	13	11	the	the	DET
cjfa-16353	13	12	selected	select	VERB
cjfa-16353	13	13	group	group	NOUN
cjfa-16353	13	14	of	of	ADP
cjfa-16353	13	15	75	75	NUM
cjfa-16353	13	16	cooperative	cooperative	ADJ
cjfa-16353	13	17	banks	bank	NOUN
cjfa-16353	13	18	in	in	ADP
cjfa-16353	13	19	poland	poland	PROPN
cjfa-16353	13	20	.	.	PUNCT
cjfa-16353	14	1	the	the	DET
cjfa-16353	14	2	differentiation	differentiation	NOUN
cjfa-16353	14	3	of	of	ADP
cjfa-16353	14	4	the	the	DET
cjfa-16353	14	5	group	group	NOUN
cjfa-16353	14	6	of	of	ADP
cjfa-16353	14	7	banks	bank	NOUN
cjfa-16353	14	8	is	be	AUX
cjfa-16353	14	9	assessed	assess	VERB
cjfa-16353	14	10	by	by	ADP
cjfa-16353	14	11	means	mean	NOUN
cjfa-16353	14	12	of	of	ADP
cjfa-16353	14	13	descriptive	descriptive	ADJ
cjfa-16353	14	14	statistics	statistic	NOUN
cjfa-16353	14	15	measurement	measurement	NOUN
cjfa-16353	14	16	tools	tool	NOUN
cjfa-16353	14	17	and	and	CCONJ
cjfa-16353	14	18	also	also	ADV
cjfa-16353	14	19	in	in	ADP
cjfa-16353	14	20	research	research	NOUN
cjfa-16353	14	21	it	it	PRON
cjfa-16353	14	22	is	be	AUX
cjfa-16353	14	23	used	use	VERB
cjfa-16353	14	24	the	the	DET
cjfa-16353	14	25	econometric	econometric	ADJ
cjfa-16353	14	26	regression	regression	NOUN
cjfa-16353	14	27	model	model	NOUN
cjfa-16353	14	28	.	.	PUNCT
cjfa-16353	15	1	most	most	ADJ
cjfa-16353	15	2	cooperative	cooperative	ADJ
cjfa-16353	15	3	banks	bank	NOUN
cjfa-16353	15	4	are	be	AUX
cjfa-16353	15	5	net	net	ADJ
cjfa-16353	15	6	lenders	lender	NOUN
cjfa-16353	15	7	for	for	ADP
cjfa-16353	15	8	money	money	NOUN
cjfa-16353	15	9	market	market	NOUN
cjfa-16353	15	10	in	in	ADP
cjfa-16353	15	11	poland	poland	PROPN
cjfa-16353	15	12	.	.	PUNCT
cjfa-16353	16	1	the	the	DET
cjfa-16353	16	2	average	average	ADJ
cjfa-16353	16	3	value	value	NOUN
cjfa-16353	16	4	of	of	ADP
cjfa-16353	16	5	the	the	DET
cjfa-16353	16	6	loans	loan	NOUN
cjfa-16353	16	7	to	to	ADP
cjfa-16353	16	8	deposits	deposit	NOUN
cjfa-16353	16	9	ratio	ratio	NOUN
cjfa-16353	16	10	is	be	AUX
cjfa-16353	16	11	0.7	0.7	NUM
cjfa-16353	16	12	,	,	PUNCT
cjfa-16353	16	13	and	and	CCONJ
cjfa-16353	16	14	the	the	DET
cjfa-16353	16	15	scope	scope	NOUN
cjfa-16353	16	16	of	of	ADP
cjfa-16353	16	17	imbalance	imbalance	NOUN
cjfa-16353	16	18	deepens	deepen	VERB
cjfa-16353	16	19	in	in	ADP
cjfa-16353	16	20	recent	recent	ADJ
cjfa-16353	16	21	years	year	NOUN
cjfa-16353	16	22	.	.	PUNCT
cjfa-16353	17	1	the	the	DET
cjfa-16353	17	2	reasons	reason	NOUN
cjfa-16353	17	3	for	for	ADP
cjfa-16353	17	4	such	such	DET
cjfa-16353	17	5	a	a	DET
cjfa-16353	17	6	situation	situation	NOUN
cjfa-16353	17	7	are	be	AUX
cjfa-16353	17	8	the	the	DET
cjfa-16353	17	9	regulations	regulation	NOUN
cjfa-16353	17	10	of	of	ADP
cjfa-16353	17	11	the	the	DET
cjfa-16353	17	12	cooperative	cooperative	ADJ
cjfa-16353	17	13	banking	banking	NOUN
cjfa-16353	17	14	sector	sector	NOUN
cjfa-16353	17	15	but	but	CCONJ
cjfa-16353	17	16	also	also	ADV
cjfa-16353	17	17	the	the	DET
cjfa-16353	17	18	individual	individual	ADJ
cjfa-16353	17	19	policies	policy	NOUN
cjfa-16353	17	20	of	of	ADP
cjfa-16353	17	21	the	the	DET
cjfa-16353	17	22	institutions	institution	NOUN
cjfa-16353	17	23	.	.	PUNCT
cjfa-16353	18	1	maria	maria	PROPN
cjfa-16353	18	2	magdalena	magdalena	PROPN
cjfa-16353	18	3	golec22	golec22	PROPN
cjfa-16353	18	4	 	 	SPACE
cjfa-16353	18	5	introduction	introduction	NOUN
cjfa-16353	18	6	the	the	DET
cjfa-16353	18	7	attribute	attribute	NOUN
cjfa-16353	18	8	of	of	ADP
cjfa-16353	18	9	cooperative	cooperative	ADJ
cjfa-16353	18	10	banks	bank	NOUN
cjfa-16353	18	11	that	that	PRON
cjfa-16353	18	12	is	be	AUX
cjfa-16353	18	13	most	most	ADV
cjfa-16353	18	14	frequently	frequently	ADV
cjfa-16353	18	15	brought	bring	VERB
cjfa-16353	18	16	out	out	ADP
cjfa-16353	18	17	in	in	ADP
cjfa-16353	18	18	scientific	scientific	ADJ
cjfa-16353	18	19	works	work	NOUN
cjfa-16353	18	20	,	,	PUNCT
cjfa-16353	18	21	book	book	NOUN
cjfa-16353	18	22	titles	title	NOUN
cjfa-16353	18	23	,	,	PUNCT
cjfa-16353	18	24	bank	bank	NOUN
cjfa-16353	18	25	documents	document	NOUN
cjfa-16353	18	26	or	or	CCONJ
cjfa-16353	18	27	banking	banking	NOUN
cjfa-16353	18	28	sector	sector	NOUN
cjfa-16353	18	29	reports	report	NOUN
cjfa-16353	18	30	is	be	AUX
cjfa-16353	18	31	locality	locality	NOUN
cjfa-16353	18	32	.	.	PUNCT
cjfa-16353	19	1	close	close	ADJ
cjfa-16353	19	2	relationship	relationship	NOUN
cjfa-16353	19	3	of	of	ADP
cjfa-16353	19	4	credit	credit	NOUN
cjfa-16353	19	5	unions	union	NOUN
cjfa-16353	19	6	with	with	ADP
cjfa-16353	19	7	local	local	ADJ
cjfa-16353	19	8	communities	community	NOUN
cjfa-16353	19	9	may	may	AUX
cjfa-16353	19	10	be	be	AUX
cjfa-16353	19	11	a	a	DET
cjfa-16353	19	12	condition	condition	NOUN
cjfa-16353	19	13	for	for	ADP
cjfa-16353	19	14	credit	credit	NOUN
cjfa-16353	19	15	cooperatives	cooperative	NOUN
cjfa-16353	19	16	’	'	PUNCT
cjfa-16353	19	17	survival	survival	NOUN
cjfa-16353	19	18	and	and	CCONJ
cjfa-16353	19	19	development	development	NOUN
cjfa-16353	19	20	(	(	PUNCT
cjfa-16353	19	21	siudek	siudek	NOUN
cjfa-16353	19	22	,	,	PUNCT
cjfa-16353	19	23	2011	2011	NUM
cjfa-16353	19	24	,	,	PUNCT
cjfa-16353	19	25	p.	p.	NOUN
cjfa-16353	19	26	277	277	NUM
cjfa-16353	19	27	)	)	PUNCT
cjfa-16353	19	28	.	.	PUNCT
cjfa-16353	20	1	a	a	DET
cjfa-16353	20	2	certain	certain	ADJ
cjfa-16353	20	3	phenomenon	phenomenon	NOUN
cjfa-16353	20	4	is	be	AUX
cjfa-16353	20	5	of	of	ADP
cjfa-16353	20	6	local	local	ADJ
cjfa-16353	20	7	character	character	NOUN
cjfa-16353	20	8	only	only	ADV
cjfa-16353	20	9	if	if	SCONJ
cjfa-16353	20	10	it	it	PRON
cjfa-16353	20	11	exists	exist	VERB
cjfa-16353	20	12	in	in	ADP
cjfa-16353	20	13	a	a	DET
cjfa-16353	20	14	specific	specific	ADJ
cjfa-16353	20	15	area/	area/	NUM
cjfa-16353	20	16	 	 	SPACE
cjfa-16353	20	17	place	place	NOUN
cjfa-16353	20	18	(	(	PUNCT
cjfa-16353	20	19	latin	latin	NOUN
cjfa-16353	20	20	:	:	PUNCT
cjfa-16353	20	21	lokalis	lokali	NOUN
cjfa-16353	20	22	,	,	PUNCT
cjfa-16353	20	23	lokus	lokus	NOUN
cjfa-16353	20	24	–	–	PUNCT
cjfa-16353	20	25	place	place	NOUN
cjfa-16353	20	26	/	/	SYM
cjfa-16353	20	27	location	location	NOUN
cjfa-16353	20	28	)	)	PUNCT
cjfa-16353	20	29	.	.	PUNCT
cjfa-16353	21	1	as	as	ADV
cjfa-16353	21	2	early	early	ADV
cjfa-16353	21	3	as	as	ADP
cjfa-16353	21	4	the	the	DET
cjfa-16353	21	5	19th	19th	ADJ
cjfa-16353	21	6	century	century	NOUN
cjfa-16353	21	7	credits	credit	NOUN
cjfa-16353	21	8	cooperatives	cooperative	NOUN
cjfa-16353	21	9	’	'	PUNCT
cjfa-16353	21	10	membership	membership	NOUN
cjfa-16353	21	11	was	be	AUX
cjfa-16353	21	12	formally	formally	ADV
cjfa-16353	21	13	limited	limit	VERB
cjfa-16353	21	14	to	to	ADP
cjfa-16353	21	15	those	those	PRON
cjfa-16353	21	16	among	among	ADP
cjfa-16353	21	17	whom	whom	PRON
cjfa-16353	21	18	there	there	PRON
cjfa-16353	21	19	were	be	VERB
cjfa-16353	21	20	mutual	mutual	ADJ
cjfa-16353	21	21	relationships	relationship	NOUN
cjfa-16353	21	22	–	–	PUNCT
cjfa-16353	21	23	common	common	ADJ
cjfa-16353	21	24	bonds	bond	NOUN
cjfa-16353	21	25	.	.	PUNCT
cjfa-16353	22	1	in	in	ADP
cjfa-16353	22	2	case	case	NOUN
cjfa-16353	22	3	there	there	PRON
cjfa-16353	22	4	are	be	VERB
cjfa-16353	22	5	not	not	PART
cjfa-16353	22	6	any	any	DET
cjfa-16353	22	7	social	social	ADJ
cjfa-16353	22	8	bonds	bond	NOUN
cjfa-16353	22	9	among	among	ADP
cjfa-16353	22	10	the	the	DET
cjfa-16353	22	11	members	member	NOUN
cjfa-16353	22	12	of	of	ADP
cjfa-16353	22	13	a	a	DET
cjfa-16353	22	14	territorially	territorially	ADV
cjfa-16353	22	15	limited	limit	VERB
cjfa-16353	22	16	area	area	NOUN
cjfa-16353	22	17	,	,	PUNCT
cjfa-16353	22	18	the	the	DET
cjfa-16353	22	19	criterion	criterion	NOUN
cjfa-16353	22	20	that	that	PRON
cjfa-16353	22	21	is	be	AUX
cjfa-16353	22	22	often	often	ADV
cjfa-16353	22	23	established	establish	VERB
cjfa-16353	22	24	for	for	ADP
cjfa-16353	22	25	defining	define	VERB
cjfa-16353	22	26	local	local	ADJ
cjfa-16353	22	27	communities	community	NOUN
cjfa-16353	22	28	is	be	AUX
cjfa-16353	22	29	territory	territory	NOUN
cjfa-16353	22	30	.	.	PUNCT
cjfa-16353	23	1	locality	locality	NOUN
cjfa-16353	23	2	understood	understand	VERB
cjfa-16353	23	3	in	in	ADP
cjfa-16353	23	4	this	this	DET
cjfa-16353	23	5	way	way	NOUN
cjfa-16353	23	6	becomes	become	VERB
cjfa-16353	23	7	the	the	DET
cjfa-16353	23	8	basis	basis	NOUN
cjfa-16353	23	9	for	for	ADP
cjfa-16353	23	10	introducing	introduce	VERB
cjfa-16353	23	11	formal	formal	ADJ
cjfa-16353	23	12	limitations	limitation	NOUN
cjfa-16353	23	13	for	for	ADP
cjfa-16353	23	14	credit	credit	NOUN
cjfa-16353	23	15	cooperatives	cooperative	NOUN
cjfa-16353	23	16	’	'	PUNCT
cjfa-16353	23	17	activities	activity	NOUN
cjfa-16353	23	18	(	(	PUNCT
cjfa-16353	23	19	territory	territory	NOUN
cjfa-16353	23	20	principle	principle	NOUN
cjfa-16353	23	21	)	)	PUNCT
cjfa-16353	23	22	(	(	PUNCT
cjfa-16353	23	23	szambelańczyk	szambelańczyk	NOUN
cjfa-16353	23	24	,	,	PUNCT
cjfa-16353	23	25	2006	2006	NUM
cjfa-16353	23	26	,	,	PUNCT
cjfa-16353	23	27	p.	p.	NOUN
cjfa-16353	23	28	108	108	NUM
cjfa-16353	23	29	)	)	PUNCT
cjfa-16353	23	30	.	.	PUNCT
cjfa-16353	24	1	barriers	barrier	NOUN
cjfa-16353	24	2	to	to	ADP
cjfa-16353	24	3	the	the	DET
cjfa-16353	24	4	banks	bank	NOUN
cjfa-16353	24	5	’	’	PART
cjfa-16353	24	6	development	development	NOUN
cjfa-16353	24	7	in	in	ADP
cjfa-16353	24	8	the	the	DET
cjfa-16353	24	9	area	area	NOUN
cjfa-16353	24	10	of	of	ADP
cjfa-16353	24	11	banking	banking	NOUN
cjfa-16353	24	12	activities	activity	NOUN
cjfa-16353	24	13	are	be	AUX
cjfa-16353	24	14	treated	treat	VERB
cjfa-16353	24	15	as	as	ADP
cjfa-16353	24	16	a	a	DET
cjfa-16353	24	17	kind	kind	NOUN
cjfa-16353	24	18	of	of	ADP
cjfa-16353	24	19	prudential	prudential	ADJ
cjfa-16353	24	20	norm	norm	NOUN
cjfa-16353	24	21	.	.	PUNCT
cjfa-16353	25	1	it	it	PRON
cjfa-16353	25	2	is	be	AUX
cjfa-16353	25	3	so	so	ADV
cjfa-16353	25	4	because	because	SCONJ
cjfa-16353	25	5	knowing	know	VERB
cjfa-16353	25	6	the	the	DET
cjfa-16353	25	7	clients	client	NOUN
cjfa-16353	25	8	,	,	PUNCT
cjfa-16353	25	9	their	their	PRON
cjfa-16353	25	10	economic	economic	ADJ
cjfa-16353	25	11	standing	standing	NOUN
cjfa-16353	25	12	and	and	CCONJ
cjfa-16353	25	13	limitations	limitation	NOUN
cjfa-16353	25	14	of	of	ADP
cjfa-16353	25	15	the	the	DET
cjfa-16353	25	16	local	local	ADJ
cjfa-16353	25	17	environment	environment	NOUN
cjfa-16353	25	18	decreases	decrease	VERB
cjfa-16353	25	19	the	the	DET
cjfa-16353	25	20	credit	credit	NOUN
cjfa-16353	25	21	risk	risk	NOUN
cjfa-16353	25	22	,	,	PUNCT
cjfa-16353	25	23	and	and	CCONJ
cjfa-16353	25	24	,	,	PUNCT
cjfa-16353	25	25	most	most	ADJ
cjfa-16353	25	26	of	of	ADP
cjfa-16353	25	27	all	all	PRON
cjfa-16353	25	28	,	,	PUNCT
cjfa-16353	25	29	makes	make	VERB
cjfa-16353	25	30	it	it	PRON
cjfa-16353	25	31	possible	possible	ADJ
cjfa-16353	25	32	to	to	PART
cjfa-16353	25	33	assess	assess	VERB
cjfa-16353	25	34	an	an	DET
cjfa-16353	25	35	actual	actual	ADJ
cjfa-16353	25	36	economic	economic	ADJ
cjfa-16353	25	37	standing	standing	NOUN
cjfa-16353	25	38	of	of	ADP
cjfa-16353	25	39	a	a	DET
cjfa-16353	25	40	prospective	prospective	ADJ
cjfa-16353	25	41	client	client	NOUN
cjfa-16353	25	42	.	.	PUNCT
cjfa-16353	26	1	according	accord	VERB
cjfa-16353	26	2	to	to	ADP
cjfa-16353	26	3	the	the	DET
cjfa-16353	26	4	polish	polish	ADJ
cjfa-16353	26	5	legal	legal	ADJ
cjfa-16353	26	6	regulations	regulation	NOUN
cjfa-16353	26	7	the	the	DET
cjfa-16353	26	8	territory	territory	NOUN
cjfa-16353	26	9	where	where	SCONJ
cjfa-16353	26	10	a	a	DET
cjfa-16353	26	11	cooperative	cooperative	ADJ
cjfa-16353	26	12	bank	bank	NOUN
cjfa-16353	26	13	can	can	AUX
cjfa-16353	26	14	perform	perform	VERB
cjfa-16353	26	15	its	its	PRON
cjfa-16353	26	16	activities	activity	NOUN
cjfa-16353	26	17	is	be	AUX
cjfa-16353	26	18	dependent	dependent	ADJ
cjfa-16353	26	19	on	on	ADP
cjfa-16353	26	20	the	the	DET
cjfa-16353	26	21	volume	volume	NOUN
cjfa-16353	26	22	of	of	ADP
cjfa-16353	26	23	its	its	PRON
cjfa-16353	26	24	own	own	ADJ
cjfa-16353	26	25	funds	fund	NOUN
cjfa-16353	26	26	.	.	PUNCT
cjfa-16353	27	1	if	if	SCONJ
cjfa-16353	27	2	the	the	DET
cjfa-16353	27	3	bank	bank	NOUN
cjfa-16353	27	4	owns	own	VERB
cjfa-16353	27	5	funds	fund	NOUN
cjfa-16353	27	6	equal	equal	ADJ
cjfa-16353	27	7	to	to	ADP
cjfa-16353	27	8	or	or	CCONJ
cjfa-16353	27	9	greater	great	ADJ
cjfa-16353	27	10	than	than	ADP
cjfa-16353	27	11	eur	eur	PROPN
cjfa-16353	27	12	5	5	NUM
cjfa-16353	27	13	m	m	NOUN
cjfa-16353	27	14	it	it	PRON
cjfa-16353	27	15	can	can	AUX
cjfa-16353	27	16	provide	provide	VERB
cjfa-16353	27	17	banking	banking	NOUN
cjfa-16353	27	18	services	service	NOUN
cjfa-16353	27	19	all	all	ADV
cjfa-16353	27	20	over	over	ADP
cjfa-16353	27	21	the	the	DET
cjfa-16353	27	22	country	country	NOUN
cjfa-16353	27	23	.	.	PUNCT
cjfa-16353	28	1	an	an	DET
cjfa-16353	28	2	affiliated	affiliate	VERB
cjfa-16353	28	3	cooperative	cooperative	ADJ
cjfa-16353	28	4	bank	bank	NOUN
cjfa-16353	28	5	with	with	ADP
cjfa-16353	28	6	own	own	ADJ
cjfa-16353	28	7	funds	fund	NOUN
cjfa-16353	28	8	greater	great	ADJ
cjfa-16353	28	9	than	than	ADP
cjfa-16353	28	10	eur	eur	PROPN
cjfa-16353	28	11	1	1	NUM
cjfa-16353	28	12	m	m	VERB
cjfa-16353	28	13	(	(	PUNCT
cjfa-16353	28	14	but	but	CCONJ
cjfa-16353	28	15	less	less	ADJ
cjfa-16353	28	16	than	than	ADP
cjfa-16353	28	17	eur	eur	PROPN
cjfa-16353	28	18	5	5	NUM
cjfa-16353	28	19	m	m	NOUN
cjfa-16353	28	20	)	)	PUNCT
cjfa-16353	28	21	may	may	AUX
cjfa-16353	28	22	operate	operate	VERB
cjfa-16353	28	23	in	in	ADP
cjfa-16353	28	24	the	the	DET
cjfa-16353	28	25	province	province	NOUN
cjfa-16353	28	26	(	(	PUNCT
cjfa-16353	28	27	polish	polish	PROPN
cjfa-16353	28	28	:	:	PUNCT
cjfa-16353	28	29	województwo	województwo	PROPN
cjfa-16353	28	30	)	)	PUNCT
cjfa-16353	28	31	where	where	SCONJ
cjfa-16353	28	32	its	its	PRON
cjfa-16353	28	33	headquarters	headquarter	NOUN
cjfa-16353	28	34	are	be	AUX
cjfa-16353	28	35	based	base	VERB
cjfa-16353	28	36	.	.	PUNCT
cjfa-16353	29	1	in	in	ADP
cjfa-16353	29	2	case	case	NOUN
cjfa-16353	29	3	the	the	DET
cjfa-16353	29	4	bank	bank	NOUN
cjfa-16353	29	5	has	have	VERB
cjfa-16353	29	6	lower	low	ADJ
cjfa-16353	29	7	own	own	ADJ
cjfa-16353	29	8	funds	fund	NOUN
cjfa-16353	29	9	,	,	PUNCT
cjfa-16353	29	10	it	it	PRON
cjfa-16353	29	11	can	can	AUX
cjfa-16353	29	12	operate	operate	VERB
cjfa-16353	29	13	in	in	ADP
cjfa-16353	29	14	the	the	DET
cjfa-16353	29	15	district	district	NOUN
cjfa-16353	29	16	(	(	PUNCT
cjfa-16353	29	17	polish	polish	PROPN
cjfa-16353	29	18	:	:	PUNCT
cjfa-16353	29	19	powiat	powiat	PROPN
cjfa-16353	29	20	)	)	PUNCT
cjfa-16353	29	21	.	.	PUNCT
cjfa-16353	30	1	the	the	DET
cjfa-16353	30	2	cooperative	cooperative	ADJ
cjfa-16353	30	3	banks	bank	NOUN
cjfa-16353	30	4	’	'	PUNCT
cjfa-16353	30	5	charters	charter	NOUN
cjfa-16353	30	6	mention	mention	VERB
cjfa-16353	30	7	several	several	ADJ
cjfa-16353	30	8	districts	district	NOUN
cjfa-16353	30	9	rather	rather	ADV
cjfa-16353	30	10	than	than	ADP
cjfa-16353	30	11	one	one	NUM
cjfa-16353	30	12	for	for	ADP
cjfa-16353	30	13	their	their	PRON
cjfa-16353	30	14	operations	operation	NOUN
cjfa-16353	30	15	(	(	PUNCT
cjfa-16353	30	16	zalcewicz	zalcewicz	NOUN
cjfa-16353	30	17	,	,	PUNCT
cjfa-16353	30	18	2010	2010	NUM
cjfa-16353	30	19	,	,	PUNCT
cjfa-16353	30	20	pp	pp	ADJ
cjfa-16353	30	21	.	.	PUNCT
cjfa-16353	31	1	181–182	181–182	NUM
cjfa-16353	31	2	)	)	PUNCT
cjfa-16353	31	3	.	.	PUNCT
cjfa-16353	32	1	in	in	ADP
cjfa-16353	32	2	poland	poland	PROPN
cjfa-16353	32	3	75	75	NUM
cjfa-16353	32	4	%	%	NOUN
cjfa-16353	32	5	of	of	ADP
cjfa-16353	32	6	cooperative	cooperative	ADJ
cjfa-16353	32	7	banks	bank	NOUN
cjfa-16353	32	8	have	have	VERB
cjfa-16353	32	9	own	own	ADJ
cjfa-16353	32	10	funds	fund	NOUN
cjfa-16353	32	11	large	large	ADJ
cjfa-16353	32	12	enough	enough	ADV
cjfa-16353	32	13	to	to	PART
cjfa-16353	32	14	be	be	AUX
cjfa-16353	32	15	able	able	ADJ
cjfa-16353	32	16	to	to	PART
cjfa-16353	32	17	operate	operate	VERB
cjfa-16353	32	18	in	in	ADP
cjfa-16353	32	19	the	the	DET
cjfa-16353	32	20	province	province	NOUN
cjfa-16353	32	21	,	,	PUNCT
cjfa-16353	32	22	1/5	1/5	NUM
cjfa-16353	32	23	of	of	ADP
cjfa-16353	32	24	the	the	DET
cjfa-16353	32	25	cooperative	cooperative	ADJ
cjfa-16353	32	26	banks	bank	NOUN
cjfa-16353	32	27	can	can	AUX
cjfa-16353	32	28	operate	operate	VERB
cjfa-16353	32	29	all	all	ADV
cjfa-16353	32	30	over	over	ADP
cjfa-16353	32	31	the	the	DET
cjfa-16353	32	32	country	country	NOUN
cjfa-16353	32	33	(	(	PUNCT
cjfa-16353	32	34	kozłowski	kozłowski	NOUN
cjfa-16353	32	35	,	,	PUNCT
cjfa-16353	32	36	2016	2016	NUM
cjfa-16353	32	37	,	,	PUNCT
cjfa-16353	32	38	pp	pp	ADV
cjfa-16353	32	39	.	.	PUNCT
cjfa-16353	33	1	72–73	72–73	NUM
cjfa-16353	33	2	)	)	PUNCT
cjfa-16353	33	3	.	.	PUNCT
cjfa-16353	34	1	in	in	ADP
cjfa-16353	34	2	practice	practice	NOUN
cjfa-16353	34	3	,	,	PUNCT
cjfa-16353	34	4	however	however	ADV
cjfa-16353	34	5	,	,	PUNCT
cjfa-16353	34	6	the	the	DET
cjfa-16353	34	7	banks	bank	NOUN
cjfa-16353	34	8	themselves	themselves	PRON
cjfa-16353	34	9	restrict	restrict	VERB
cjfa-16353	34	10	the	the	DET
cjfa-16353	34	11	territory	territory	NOUN
cjfa-16353	34	12	of	of	ADP
cjfa-16353	34	13	their	their	PRON
cjfa-16353	34	14	operations	operation	NOUN
cjfa-16353	34	15	,	,	PUNCT
cjfa-16353	34	16	as	as	ADV
cjfa-16353	34	17	many	many	ADJ
cjfa-16353	34	18	as	as	ADP
cjfa-16353	34	19	42	42	NUM
cjfa-16353	34	20	%	%	NOUN
cjfa-16353	34	21	of	of	ADP
cjfa-16353	34	22	them	they	PRON
cjfa-16353	34	23	have	have	VERB
cjfa-16353	34	24	their	their	PRON
cjfa-16353	34	25	branches	branch	NOUN
cjfa-16353	34	26	only	only	ADV
cjfa-16353	34	27	on	on	ADP
cjfa-16353	34	28	the	the	DET
cjfa-16353	34	29	territory	territory	NOUN
cjfa-16353	34	30	of	of	ADP
cjfa-16353	34	31	one	one	NUM
cjfa-16353	34	32	district	district	NOUN
cjfa-16353	34	33	(	(	PUNCT
cjfa-16353	34	34	13	13	NUM
cjfa-16353	34	35	%	%	NOUN
cjfa-16353	34	36	in	in	ADP
cjfa-16353	34	37	one	one	NUM
cjfa-16353	34	38	commune	commune	NOUN
cjfa-16353	34	39	[	[	X
cjfa-16353	34	40	polish	polish	NOUN
cjfa-16353	34	41	:	:	PUNCT
cjfa-16353	34	42	gmina	gmina	NOUN
cjfa-16353	34	43	]	]	PUNCT
cjfa-16353	34	44	only	only	ADV
cjfa-16353	34	45	)	)	PUNCT
cjfa-16353	34	46	(	(	PUNCT
cjfa-16353	34	47	kozłowski	kozłowski	NOUN
cjfa-16353	34	48	,	,	PUNCT
cjfa-16353	34	49	2016	2016	NUM
cjfa-16353	34	50	,	,	PUNCT
cjfa-16353	34	51	pp	pp	ADJ
cjfa-16353	34	52	.	.	PUNCT
cjfa-16353	35	1	72–74	72–74	NUM
cjfa-16353	35	2	)	)	PUNCT
cjfa-16353	35	3	.	.	PUNCT
cjfa-16353	36	1	the	the	DET
cjfa-16353	36	2	international	international	ADJ
cjfa-16353	36	3	cooperative	cooperative	ADJ
cjfa-16353	36	4	principles	principle	NOUN
cjfa-16353	36	5	adopted	adopt	VERB
cjfa-16353	36	6	in	in	ADP
cjfa-16353	36	7	1995	1995	NUM
cjfa-16353	36	8	and	and	CCONJ
cjfa-16353	36	9	found	find	VERB
cjfa-16353	36	10	in	in	ADP
cjfa-16353	36	11	the	the	DET
cjfa-16353	36	12	statement	statement	NOUN
cjfa-16353	36	13	on	on	ADP
cjfa-16353	36	14	the	the	DET
cjfa-16353	36	15	co	co	ADJ
cjfa-16353	36	16	-	-	ADJ
cjfa-16353	36	17	operative	operative	ADJ
cjfa-16353	36	18	identity	identity	NOUN
cjfa-16353	36	19	obligate	obligate	NOUN
cjfa-16353	36	20	the	the	DET
cjfa-16353	36	21	cooperative	cooperative	ADJ
cjfa-16353	36	22	banks	bank	NOUN
cjfa-16353	36	23	to	to	ADP
cjfa-16353	36	24	,	,	PUNCT
cjfa-16353	36	25	among	among	ADP
cjfa-16353	36	26	others	other	NOUN
cjfa-16353	36	27	,	,	PUNCT
cjfa-16353	36	28	“	"	PUNCT
cjfa-16353	36	29	care	care	VERB
cjfa-16353	36	30	about	about	ADP
cjfa-16353	36	31	local	local	ADJ
cjfa-16353	36	32	community	community	NOUN
cjfa-16353	36	33	”	"	PUNCT
cjfa-16353	36	34	.	.	PUNCT
cjfa-16353	37	1	principle	principle	NOUN
cjfa-16353	37	2	7	7	NUM
cjfa-16353	37	3	,	,	PUNCT
cjfa-16353	37	4	being	be	AUX
cjfa-16353	37	5	a	a	DET
cjfa-16353	37	6	novelty	novelty	NOUN
cjfa-16353	37	7	in	in	ADP
cjfa-16353	37	8	comparison	comparison	NOUN
cjfa-16353	37	9	to	to	ADP
cjfa-16353	37	10	the	the	DET
cjfa-16353	37	11	previous	previous	ADJ
cjfa-16353	37	12	codifications	codification	NOUN
cjfa-16353	37	13	,	,	PUNCT
cjfa-16353	37	14	stipulates	stipulate	VERB
cjfa-16353	37	15	that	that	SCONJ
cjfa-16353	37	16	cooperatives	cooperative	NOUN
cjfa-16353	37	17	work	work	VERB
cjfa-16353	37	18	for	for	ADP
cjfa-16353	37	19	the	the	DET
cjfa-16353	37	20	sustainable	sustainable	ADJ
cjfa-16353	37	21	development	development	NOUN
cjfa-16353	37	22	of	of	ADP
cjfa-16353	37	23	their	their	PRON
cjfa-16353	37	24	communities	community	NOUN
cjfa-16353	37	25	.	.	PUNCT
cjfa-16353	38	1	it	it	PRON
cjfa-16353	38	2	is	be	AUX
cjfa-16353	38	3	worth	worth	ADJ
cjfa-16353	38	4	mentioning	mention	VERB
cjfa-16353	38	5	that	that	SCONJ
cjfa-16353	38	6	locality	locality	NOUN
cjfa-16353	38	7	and	and	CCONJ
cjfa-16353	38	8	the	the	DET
cjfa-16353	38	9	transfer	transfer	NOUN
cjfa-16353	38	10	of	of	ADP
cjfa-16353	38	11	funds	fund	NOUN
cjfa-16353	38	12	in	in	ADP
cjfa-16353	38	13	the	the	DET
cjfa-16353	38	14	cooperative	cooperative	NOUN
cjfa-16353	38	15	…	…	NUM
cjfa-16353	38	16	23	23	NUM
cjfa-16353	38	17	locality	locality	NOUN
cjfa-16353	38	18	can	can	AUX
cjfa-16353	38	19	be	be	AUX
cjfa-16353	38	20	interpreted	interpret	VERB
cjfa-16353	38	21	in	in	ADP
cjfa-16353	38	22	wider	wide	ADJ
cjfa-16353	38	23	terms	term	NOUN
cjfa-16353	38	24	as	as	ADP
cjfa-16353	38	25	the	the	DET
cjfa-16353	38	26	realization	realization	NOUN
cjfa-16353	38	27	of	of	ADP
cjfa-16353	38	28	essential	essential	ADJ
cjfa-16353	38	29	needs	need	NOUN
cjfa-16353	38	30	of	of	ADP
cjfa-16353	38	31	specific	specific	ADJ
cjfa-16353	38	32	communities	community	NOUN
cjfa-16353	38	33	by	by	ADP
cjfa-16353	38	34	means	mean	NOUN
cjfa-16353	38	35	of	of	ADP
cjfa-16353	38	36	the	the	DET
cjfa-16353	38	37	banks	bank	NOUN
cjfa-16353	38	38	’	’	PART
cjfa-16353	38	39	financial	financial	ADJ
cjfa-16353	38	40	instruments	instrument	NOUN
cjfa-16353	38	41	,	,	PUNCT
cjfa-16353	38	42	e.g.	e.g.	ADV
cjfa-16353	38	43	providing	provide	VERB
cjfa-16353	38	44	service	service	NOUN
cjfa-16353	38	45	for	for	ADP
cjfa-16353	38	46	less	less	ADV
cjfa-16353	38	47	affluent	affluent	ADJ
cjfa-16353	38	48	clients	client	NOUN
cjfa-16353	38	49	or	or	CCONJ
cjfa-16353	38	50	financing	finance	VERB
cjfa-16353	38	51	investments	investment	NOUN
cjfa-16353	38	52	important	important	ADJ
cjfa-16353	38	53	for	for	ADP
cjfa-16353	38	54	specific	specific	ADJ
cjfa-16353	38	55	communities	community	NOUN
cjfa-16353	38	56	(	(	PUNCT
cjfa-16353	38	57	alińska	alińska	PROPN
cjfa-16353	38	58	,	,	PUNCT
cjfa-16353	38	59	2008	2008	NUM
cjfa-16353	38	60	,	,	PUNCT
cjfa-16353	38	61	p.	p.	NOUN
cjfa-16353	38	62	248	248	NUM
cjfa-16353	38	63	;	;	PUNCT
cjfa-16353	38	64	giagnocavo	giagnocavo	PROPN
cjfa-16353	38	65	&	&	CCONJ
cjfa-16353	38	66	gerez	gerez	PROPN
cjfa-16353	38	67	,	,	PUNCT
cjfa-16353	38	68	2012	2012	NUM
cjfa-16353	38	69	,	,	PUNCT
cjfa-16353	38	70	p.	p.	NOUN
cjfa-16353	38	71	284	284	NUM
cjfa-16353	38	72	;	;	PUNCT
cjfa-16353	38	73	kata	kata	VERB
cjfa-16353	38	74	,	,	PUNCT
cjfa-16353	38	75	2011	2011	NUM
cjfa-16353	38	76	,	,	PUNCT
cjfa-16353	38	77	p.	p.	NOUN
cjfa-16353	38	78	128	128	NUM
cjfa-16353	38	79	;	;	PUNCT
cjfa-16353	38	80	golec	golec	NOUN
cjfa-16353	38	81	,	,	PUNCT
cjfa-16353	38	82	2010	2010	NUM
cjfa-16353	38	83	,	,	PUNCT
cjfa-16353	38	84	p.	p.	NOUN
cjfa-16353	38	85	72	72	NUM
cjfa-16353	38	86	;	;	PUNCT
cjfa-16353	38	87	gostomski	gostomski	ADJ
cjfa-16353	38	88	,	,	PUNCT
cjfa-16353	38	89	2010	2010	NUM
cjfa-16353	38	90	,	,	PUNCT
cjfa-16353	38	91	p.	p.	NOUN
cjfa-16353	38	92	246	246	NUM
cjfa-16353	38	93	)	)	PUNCT
cjfa-16353	38	94	.	.	PUNCT
cjfa-16353	39	1	cooperative	cooperative	ADJ
cjfa-16353	39	2	banks	bank	NOUN
cjfa-16353	39	3	being	be	AUX
cjfa-16353	39	4	legal	legal	ADJ
cjfa-16353	39	5	entities	entity	NOUN
cjfa-16353	39	6	whose	whose	DET
cjfa-16353	39	7	purpose	purpose	NOUN
cjfa-16353	39	8	is	be	AUX
cjfa-16353	39	9	to	to	PART
cjfa-16353	39	10	meet	meet	VERB
cjfa-16353	39	11	their	their	PRON
cjfa-16353	39	12	members	member	NOUN
cjfa-16353	39	13	’	'	PUNCT
cjfa-16353	39	14	and	and	CCONJ
cjfa-16353	39	15	clients	client	NOUN
cjfa-16353	39	16	’	'	PUNCT
cjfa-16353	39	17	financial	financial	ADJ
cjfa-16353	39	18	needs	need	NOUN
cjfa-16353	39	19	perform	perform	VERB
cjfa-16353	39	20	these	these	DET
cjfa-16353	39	21	tasks	task	NOUN
cjfa-16353	39	22	by	by	ADP
cjfa-16353	39	23	primarily	primarily	ADV
cjfa-16353	39	24	providing	provide	VERB
cjfa-16353	39	25	access	access	NOUN
cjfa-16353	39	26	to	to	ADP
cjfa-16353	39	27	financial	financial	ADJ
cjfa-16353	39	28	resources	resource	NOUN
cjfa-16353	39	29	in	in	ADP
cjfa-16353	39	30	the	the	DET
cjfa-16353	39	31	form	form	NOUN
cjfa-16353	39	32	of	of	ADP
cjfa-16353	39	33	loans	loan	NOUN
cjfa-16353	39	34	.	.	PUNCT
cjfa-16353	40	1	the	the	DET
cjfa-16353	40	2	positive	positive	ADJ
cjfa-16353	40	3	impact	impact	NOUN
cjfa-16353	40	4	of	of	ADP
cjfa-16353	40	5	credit	credit	NOUN
cjfa-16353	40	6	cooperatives	cooperative	NOUN
cjfa-16353	40	7	activities	activity	NOUN
cjfa-16353	40	8	on	on	ADP
cjfa-16353	40	9	the	the	DET
cjfa-16353	40	10	economic	economic	ADJ
cjfa-16353	40	11	growth	growth	NOUN
cjfa-16353	40	12	of	of	ADP
cjfa-16353	40	13	a	a	DET
cjfa-16353	40	14	local	local	ADJ
cjfa-16353	40	15	community	community	NOUN
cjfa-16353	40	16	occurs	occur	VERB
cjfa-16353	40	17	when	when	SCONJ
cjfa-16353	40	18	the	the	DET
cjfa-16353	40	19	bank	bank	NOUN
cjfa-16353	40	20	increases	increase	VERB
cjfa-16353	40	21	the	the	DET
cjfa-16353	40	22	scope	scope	NOUN
cjfa-16353	40	23	of	of	ADP
cjfa-16353	40	24	availability	availability	NOUN
cjfa-16353	40	25	of	of	ADP
cjfa-16353	40	26	the	the	DET
cjfa-16353	40	27	financial	financial	ADJ
cjfa-16353	40	28	resources	resource	NOUN
cjfa-16353	40	29	in	in	ADP
cjfa-16353	40	30	the	the	DET
cjfa-16353	40	31	region	region	NOUN
cjfa-16353	40	32	.	.	PUNCT
cjfa-16353	41	1	however	however	ADV
cjfa-16353	41	2	,	,	PUNCT
cjfa-16353	41	3	long	long	ADJ
cjfa-16353	41	4	-	-	PUNCT
cjfa-16353	41	5	term	term	NOUN
cjfa-16353	41	6	exports	export	NOUN
cjfa-16353	41	7	of	of	ADP
cjfa-16353	41	8	funds	fund	NOUN
cjfa-16353	41	9	raised	raise	VERB
cjfa-16353	41	10	in	in	ADP
cjfa-16353	41	11	the	the	DET
cjfa-16353	41	12	form	form	NOUN
cjfa-16353	41	13	of	of	ADP
cjfa-16353	41	14	deposits	deposit	NOUN
cjfa-16353	41	15	,	,	PUNCT
cjfa-16353	41	16	especially	especially	ADV
cjfa-16353	41	17	if	if	SCONJ
cjfa-16353	41	18	the	the	DET
cjfa-16353	41	19	bank	bank	NOUN
cjfa-16353	41	20	plays	play	VERB
cjfa-16353	41	21	the	the	DET
cjfa-16353	41	22	role	role	NOUN
cjfa-16353	41	23	of	of	ADP
cjfa-16353	41	24	the	the	DET
cjfa-16353	41	25	only	only	ADJ
cjfa-16353	41	26	financial	financial	ADJ
cjfa-16353	41	27	institution	institution	NOUN
cjfa-16353	41	28	in	in	ADP
cjfa-16353	41	29	the	the	DET
cjfa-16353	41	30	region	region	NOUN
cjfa-16353	41	31	,	,	PUNCT
cjfa-16353	41	32	may	may	AUX
cjfa-16353	41	33	lead	lead	VERB
cjfa-16353	41	34	to	to	ADP
cjfa-16353	41	35	its	its	PRON
cjfa-16353	41	36	economic	economic	ADJ
cjfa-16353	41	37	downgrading	downgrading	NOUN
cjfa-16353	41	38	(	(	PUNCT
cjfa-16353	41	39	szambelańczyk	szambelańczyk	NOUN
cjfa-16353	41	40	&	&	CCONJ
cjfa-16353	41	41	ławrynowicz	ławrynowicz	PROPN
cjfa-16353	41	42	,	,	PUNCT
cjfa-16353	41	43	2003	2003	NUM
cjfa-16353	41	44	,	,	PUNCT
cjfa-16353	41	45	p.	p.	NOUN
cjfa-16353	41	46	393	393	NUM
cjfa-16353	41	47	)	)	PUNCT
cjfa-16353	41	48	.	.	PUNCT
cjfa-16353	42	1	from	from	ADP
cjfa-16353	42	2	the	the	DET
cjfa-16353	42	3	point	point	NOUN
cjfa-16353	42	4	of	of	ADP
cjfa-16353	42	5	view	view	NOUN
cjfa-16353	42	6	of	of	ADP
cjfa-16353	42	7	a	a	DET
cjfa-16353	42	8	single	single	ADJ
cjfa-16353	42	9	institution	institution	NOUN
cjfa-16353	42	10	,	,	PUNCT
cjfa-16353	42	11	the	the	DET
cjfa-16353	42	12	more	more	ADJ
cjfa-16353	42	13	needs	need	VERB
cjfa-16353	42	14	the	the	DET
cjfa-16353	42	15	cooperative	cooperative	ADJ
cjfa-16353	42	16	bank	bank	NOUN
cjfa-16353	42	17	will	will	AUX
cjfa-16353	42	18	satisfy	satisfy	VERB
cjfa-16353	42	19	,	,	PUNCT
cjfa-16353	42	20	the	the	PRON
cjfa-16353	42	21	greater	great	ADJ
cjfa-16353	42	22	the	the	DET
cjfa-16353	42	23	degree	degree	NOUN
cjfa-16353	42	24	to	to	PART
cjfa-16353	42	25	which	which	PRON
cjfa-16353	42	26	it	it	PRON
cjfa-16353	42	27	will	will	AUX
cjfa-16353	42	28	realize	realize	VERB
cjfa-16353	42	29	the	the	DET
cjfa-16353	42	30	principle	principle	NOUN
cjfa-16353	42	31	of	of	ADP
cjfa-16353	42	32	locality	locality	NOUN
cjfa-16353	42	33	(	(	PUNCT
cjfa-16353	42	34	kozłowski	kozłowski	NOUN
cjfa-16353	42	35	,	,	PUNCT
cjfa-16353	42	36	2016	2016	NUM
cjfa-16353	42	37	,	,	PUNCT
cjfa-16353	42	38	p.	p.	NOUN
cjfa-16353	42	39	68	68	NUM
cjfa-16353	42	40	;	;	PUNCT
cjfa-16353	42	41	rzerzycka	rzerzycka	NOUN
cjfa-16353	42	42	&	&	CCONJ
cjfa-16353	42	43	golanowskawitkowska	golanowskawitkowska	NOUN
cjfa-16353	42	44	,	,	PUNCT
cjfa-16353	42	45	2015	2015	NUM
cjfa-16353	42	46	,	,	PUNCT
cjfa-16353	42	47	p.	p.	NOUN
cjfa-16353	42	48	105	105	NUM
cjfa-16353	42	49	)	)	PUNCT
cjfa-16353	42	50	.	.	PUNCT
cjfa-16353	43	1	although	although	SCONJ
cjfa-16353	43	2	many	many	ADJ
cjfa-16353	43	3	market	market	NOUN
cjfa-16353	43	4	institutions	institution	NOUN
cjfa-16353	43	5	may	may	AUX
cjfa-16353	43	6	support	support	VERB
cjfa-16353	43	7	initiatives	initiative	NOUN
cjfa-16353	43	8	important	important	ADJ
cjfa-16353	43	9	for	for	ADP
cjfa-16353	43	10	local	local	ADJ
cjfa-16353	43	11	communities	community	NOUN
cjfa-16353	43	12	(	(	PUNCT
cjfa-16353	43	13	e.g.	e.g.	ADV
cjfa-16353	43	14	by	by	ADP
cjfa-16353	43	15	financing	finance	VERB
cjfa-16353	43	16	different	different	ADJ
cjfa-16353	43	17	kinds	kind	NOUN
cjfa-16353	43	18	of	of	ADP
cjfa-16353	43	19	needs	need	NOUN
cjfa-16353	43	20	)	)	PUNCT
cjfa-16353	43	21	,	,	PUNCT
cjfa-16353	43	22	it	it	PRON
cjfa-16353	43	23	is	be	AUX
cjfa-16353	43	24	the	the	DET
cjfa-16353	43	25	cooperatives	cooperative	NOUN
cjfa-16353	43	26	that	that	PRON
cjfa-16353	43	27	can	can	AUX
cjfa-16353	43	28	combine	combine	VERB
cjfa-16353	43	29	the	the	DET
cjfa-16353	43	30	social	social	ADJ
cjfa-16353	43	31	dimension	dimension	NOUN
cjfa-16353	43	32	and	and	CCONJ
cjfa-16353	43	33	the	the	DET
cjfa-16353	43	34	economic	economic	ADJ
cjfa-16353	43	35	dimension	dimension	NOUN
cjfa-16353	43	36	.	.	PUNCT
cjfa-16353	44	1	the	the	DET
cjfa-16353	44	2	cooperatives	cooperative	NOUN
cjfa-16353	44	3	banks	bank	NOUN
cjfa-16353	44	4	through	through	ADP
cjfa-16353	44	5	activities	activity	NOUN
cjfa-16353	44	6	in	in	ADP
cjfa-16353	44	7	the	the	DET
cjfa-16353	44	8	economic	economic	ADJ
cjfa-16353	44	9	area	area	NOUN
cjfa-16353	44	10	(	(	PUNCT
cjfa-16353	44	11	lending	lending	NOUN
cjfa-16353	44	12	activities	activity	NOUN
cjfa-16353	44	13	)	)	PUNCT
cjfa-16353	44	14	may	may	AUX
cjfa-16353	44	15	satisfy	satisfy	VERB
cjfa-16353	44	16	the	the	DET
cjfa-16353	44	17	local	local	ADJ
cjfa-16353	44	18	community	community	NOUN
cjfa-16353	44	19	’s	’s	PART
cjfa-16353	44	20	needs	need	NOUN
cjfa-16353	44	21	.	.	PUNCT
cjfa-16353	45	1	that	that	PRON
cjfa-16353	45	2	is	be	AUX
cjfa-16353	45	3	why	why	SCONJ
cjfa-16353	45	4	the	the	DET
cjfa-16353	45	5	subject	subject	ADJ
cjfa-16353	45	6	matter	matter	NOUN
cjfa-16353	45	7	of	of	ADP
cjfa-16353	45	8	this	this	DET
cjfa-16353	45	9	paper	paper	NOUN
cjfa-16353	45	10	is	be	AUX
cjfa-16353	45	11	the	the	DET
cjfa-16353	45	12	amounts	amount	NOUN
cjfa-16353	45	13	of	of	ADP
cjfa-16353	45	14	deposits	deposit	NOUN
cjfa-16353	45	15	raised	raise	VERB
cjfa-16353	45	16	by	by	ADP
cjfa-16353	45	17	the	the	DET
cjfa-16353	45	18	cooperative	cooperative	ADJ
cjfa-16353	45	19	banks	bank	NOUN
cjfa-16353	45	20	and	and	CCONJ
cjfa-16353	45	21	provided	provide	VERB
cjfa-16353	45	22	in	in	ADP
cjfa-16353	45	23	the	the	DET
cjfa-16353	45	24	form	form	NOUN
cjfa-16353	45	25	of	of	ADP
cjfa-16353	45	26	loans	loan	NOUN
cjfa-16353	45	27	on	on	ADP
cjfa-16353	45	28	the	the	DET
cjfa-16353	45	29	local	local	ADJ
cjfa-16353	45	30	market	market	NOUN
cjfa-16353	45	31	.	.	PUNCT
cjfa-16353	46	1	their	their	PRON
cjfa-16353	46	2	offsetting	offset	VERB
cjfa-16353	46	3	or	or	CCONJ
cjfa-16353	46	4	the	the	DET
cjfa-16353	46	5	prevalence	prevalence	NOUN
cjfa-16353	46	6	of	of	ADP
cjfa-16353	46	7	lending	lending	NOUN
cjfa-16353	46	8	activities	activity	NOUN
cjfa-16353	46	9	will	will	AUX
cjfa-16353	46	10	signal	signal	VERB
cjfa-16353	46	11	the	the	DET
cjfa-16353	46	12	principle	principle	NOUN
cjfa-16353	46	13	of	of	ADP
cjfa-16353	46	14	locality	locality	NOUN
cjfa-16353	46	15	at	at	ADP
cjfa-16353	46	16	an	an	DET
cjfa-16353	46	17	appropriate	appropriate	ADJ
cjfa-16353	46	18	level	level	NOUN
cjfa-16353	46	19	.	.	PUNCT
cjfa-16353	47	1	the	the	DET
cjfa-16353	47	2	aim	aim	NOUN
cjfa-16353	47	3	of	of	ADP
cjfa-16353	47	4	this	this	DET
cjfa-16353	47	5	paper	paper	NOUN
cjfa-16353	47	6	is	be	AUX
cjfa-16353	47	7	to	to	PART
cjfa-16353	47	8	examine	examine	VERB
cjfa-16353	47	9	the	the	DET
cjfa-16353	47	10	scope	scope	NOUN
cjfa-16353	47	11	of	of	ADP
cjfa-16353	47	12	the	the	DET
cjfa-16353	47	13	principle	principle	NOUN
cjfa-16353	47	14	of	of	ADP
cjfa-16353	47	15	locality	locality	NOUN
cjfa-16353	47	16	by	by	ADP
cjfa-16353	47	17	the	the	DET
cjfa-16353	47	18	cooperative	cooperative	ADJ
cjfa-16353	47	19	banks	bank	NOUN
cjfa-16353	47	20	in	in	ADP
cjfa-16353	47	21	poland	poland	PROPN
cjfa-16353	47	22	,	,	PUNCT
cjfa-16353	47	23	and	and	CCONJ
cjfa-16353	47	24	to	to	PART
cjfa-16353	47	25	diagnose	diagnose	VERB
cjfa-16353	47	26	the	the	DET
cjfa-16353	47	27	causes	cause	NOUN
cjfa-16353	47	28	of	of	ADP
cjfa-16353	47	29	net	net	ADJ
cjfa-16353	47	30	transfers	transfer	NOUN
cjfa-16353	47	31	in	in	ADP
cjfa-16353	47	32	the	the	DET
cjfa-16353	47	33	sector	sector	NOUN
cjfa-16353	47	34	.	.	PUNCT
cjfa-16353	48	1	the	the	DET
cjfa-16353	48	2	author	author	NOUN
cjfa-16353	48	3	used	use	VERB
cjfa-16353	48	4	quarterly	quarterly	ADJ
cjfa-16353	48	5	financial	financial	ADJ
cjfa-16353	48	6	data	datum	NOUN
cjfa-16353	48	7	for	for	ADP
cjfa-16353	48	8	the	the	DET
cjfa-16353	48	9	years	year	NOUN
cjfa-16353	48	10	2009–2016	2009–2016	NUM
cjfa-16353	48	11	encompassing	encompass	VERB
cjfa-16353	48	12	a	a	DET
cjfa-16353	48	13	selected	select	VERB
cjfa-16353	48	14	group	group	NOUN
cjfa-16353	48	15	of	of	ADP
cjfa-16353	48	16	over	over	ADP
cjfa-16353	48	17	75	75	NUM
cjfa-16353	48	18	cooperative	cooperative	ADJ
cjfa-16353	48	19	banks	bank	NOUN
cjfa-16353	48	20	in	in	ADP
cjfa-16353	48	21	poland	poland	PROPN
cjfa-16353	48	22	.	.	PUNCT
cjfa-16353	49	1	transfers	transfer	NOUN
cjfa-16353	49	2	of	of	ADP
cjfa-16353	49	3	funds	fund	NOUN
cjfa-16353	49	4	in	in	ADP
cjfa-16353	49	5	the	the	DET
cjfa-16353	49	6	cooperative	cooperative	ADJ
cjfa-16353	49	7	banking	banking	NOUN
cjfa-16353	49	8	sector	sector	NOUN
cjfa-16353	49	9	in	in	ADP
cjfa-16353	49	10	literature	literature	NOUN
cjfa-16353	49	11	and	and	CCONJ
cjfa-16353	49	12	research	research	NOUN
cjfa-16353	49	13	cooperative	cooperative	ADJ
cjfa-16353	49	14	banks	bank	NOUN
cjfa-16353	49	15	like	like	ADP
cjfa-16353	49	16	any	any	DET
cjfa-16353	49	17	other	other	ADJ
cjfa-16353	49	18	lending	lending	NOUN
cjfa-16353	49	19	institutions	institution	NOUN
cjfa-16353	49	20	are	be	AUX
cjfa-16353	49	21	financial	financial	ADJ
cjfa-16353	49	22	intermediaries	intermediary	NOUN
cjfa-16353	49	23	that	that	PRON
cjfa-16353	49	24	raise	raise	VERB
cjfa-16353	49	25	monetary	monetary	ADJ
cjfa-16353	49	26	funds	fund	NOUN
cjfa-16353	49	27	from	from	ADP
cjfa-16353	49	28	surplus	surplus	ADJ
cjfa-16353	49	29	spending	spending	NOUN
cjfa-16353	49	30	units	unit	NOUN
cjfa-16353	49	31	and	and	CCONJ
cjfa-16353	49	32	satisfy	satisfy	VERB
cjfa-16353	49	33	the	the	DET
cjfa-16353	49	34	financial	financial	ADJ
cjfa-16353	49	35	needs	need	NOUN
cjfa-16353	49	36	of	of	ADP
cjfa-16353	49	37	deficit	deficit	NOUN
cjfa-16353	49	38	spending	spending	NOUN
cjfa-16353	49	39	units	unit	NOUN
cjfa-16353	49	40	(	(	PUNCT
cjfa-16353	49	41	boscia	boscia	PROPN
cjfa-16353	49	42	&	&	CCONJ
cjfa-16353	49	43	di	di	PROPN
cjfa-16353	49	44	salvio	salvio	PROPN
cjfa-16353	49	45	,	,	PUNCT
cjfa-16353	49	46	2009	2009	NUM
cjfa-16353	49	47	,	,	PUNCT
cjfa-16353	49	48	p.	p.	NOUN
cjfa-16353	49	49	16	16	NUM
cjfa-16353	49	50	;	;	PUNCT
cjfa-16353	49	51	becchetti	becchetti	PROPN
cjfa-16353	49	52	,	,	PUNCT
cjfa-16353	49	53	ciciretti	ciciretti	PROPN
cjfa-16353	49	54	&	&	CCONJ
cjfa-16353	49	55	paolantonio	paolantonio	PROPN
cjfa-16353	49	56	,	,	PUNCT
cjfa-16353	49	57	2016	2016	NUM
cjfa-16353	49	58	,	,	PUNCT
cjfa-16353	49	59	p.	p.	NOUN
cjfa-16353	49	60	226	226	NUM
cjfa-16353	49	61	)	)	PUNCT
cjfa-16353	49	62	.	.	PUNCT
cjfa-16353	50	1	for	for	ADP
cjfa-16353	50	2	the	the	DET
cjfa-16353	50	3	cooperative	cooperative	ADJ
cjfa-16353	50	4	banks	bank	NOUN
cjfa-16353	50	5	the	the	DET
cjfa-16353	50	6	demaria	demaria	PROPN
cjfa-16353	50	7	magdalena	magdalena	PROPN
cjfa-16353	50	8	golec24	golec24	PROPN
cjfa-16353	50	9	posits	posit	NOUN
cjfa-16353	50	10	are	be	AUX
cjfa-16353	50	11	a	a	DET
cjfa-16353	50	12	basic	basic	ADJ
cjfa-16353	50	13	method	method	NOUN
cjfa-16353	50	14	of	of	ADP
cjfa-16353	50	15	financing	financing	NOUN
cjfa-16353	50	16	loan	loan	NOUN
cjfa-16353	50	17	activities	activity	NOUN
cjfa-16353	50	18	because	because	SCONJ
cjfa-16353	50	19	the	the	DET
cjfa-16353	50	20	availability	availability	NOUN
cjfa-16353	50	21	of	of	ADP
cjfa-16353	50	22	other	other	ADJ
cjfa-16353	50	23	sources	source	NOUN
cjfa-16353	50	24	of	of	ADP
cjfa-16353	50	25	financing	finance	VERB
cjfa-16353	50	26	their	their	PRON
cjfa-16353	50	27	activities	activity	NOUN
cjfa-16353	50	28	is	be	AUX
cjfa-16353	50	29	limited	limit	VERB
cjfa-16353	50	30	(	(	PUNCT
cjfa-16353	50	31	fonteyne	fonteyne	NOUN
cjfa-16353	50	32	,	,	PUNCT
cjfa-16353	50	33	2007	2007	NUM
cjfa-16353	50	34	,	,	PUNCT
cjfa-16353	50	35	p.	p.	NOUN
cjfa-16353	50	36	11	11	NUM
cjfa-16353	50	37	)	)	PUNCT
cjfa-16353	50	38	.	.	PUNCT
cjfa-16353	51	1	the	the	DET
cjfa-16353	51	2	significance	significance	NOUN
cjfa-16353	51	3	of	of	ADP
cjfa-16353	51	4	deposit	deposit	NOUN
cjfa-16353	51	5	base	base	NOUN
cjfa-16353	51	6	results	result	NOUN
cjfa-16353	51	7	from	from	ADP
cjfa-16353	51	8	the	the	DET
cjfa-16353	51	9	fact	fact	NOUN
cjfa-16353	51	10	that	that	SCONJ
cjfa-16353	51	11	there	there	PRON
cjfa-16353	51	12	is	be	VERB
cjfa-16353	51	13	no	no	DET
cjfa-16353	51	14	possibility	possibility	NOUN
cjfa-16353	51	15	for	for	SCONJ
cjfa-16353	51	16	the	the	DET
cjfa-16353	51	17	cooperative	cooperative	ADJ
cjfa-16353	51	18	banks	bank	NOUN
cjfa-16353	51	19	to	to	PART
cjfa-16353	51	20	use	use	VERB
cjfa-16353	51	21	directly	directly	ADV
cjfa-16353	51	22	monetary	monetary	ADJ
cjfa-16353	51	23	funds	fund	NOUN
cjfa-16353	51	24	from	from	ADP
cjfa-16353	51	25	the	the	DET
cjfa-16353	51	26	interbank	interbank	NOUN
cjfa-16353	51	27	market	market	NOUN
cjfa-16353	51	28	.	.	PUNCT
cjfa-16353	52	1	affiliating	affiliate	VERB
cjfa-16353	52	2	banks	bank	NOUN
cjfa-16353	52	3	make	make	VERB
cjfa-16353	52	4	a	a	DET
cjfa-16353	52	5	secondary	secondary	ADJ
cjfa-16353	52	6	source	source	NOUN
cjfa-16353	52	7	of	of	ADP
cjfa-16353	52	8	financing	finance	VERB
cjfa-16353	52	9	these	these	DET
cjfa-16353	52	10	institutions	institution	NOUN
cjfa-16353	52	11	.	.	PUNCT
cjfa-16353	53	1	affiliation	affiliation	NOUN
cjfa-16353	53	2	with	with	ADP
cjfa-16353	53	3	the	the	DET
cjfa-16353	53	4	cooperative	cooperative	ADJ
cjfa-16353	53	5	structures	structure	NOUN
cjfa-16353	53	6	and	and	CCONJ
cjfa-16353	53	7	limited	limited	ADJ
cjfa-16353	53	8	connections	connection	NOUN
cjfa-16353	53	9	of	of	ADP
cjfa-16353	53	10	the	the	DET
cjfa-16353	53	11	cooperative	cooperative	ADJ
cjfa-16353	53	12	banks	bank	NOUN
cjfa-16353	53	13	with	with	ADP
cjfa-16353	53	14	the	the	DET
cjfa-16353	53	15	wholesale	wholesale	ADJ
cjfa-16353	53	16	money	money	NOUN
cjfa-16353	53	17	market	market	NOUN
cjfa-16353	53	18	play	play	VERB
cjfa-16353	53	19	also	also	ADV
cjfa-16353	53	20	an	an	DET
cjfa-16353	53	21	essential	essential	ADJ
cjfa-16353	53	22	role	role	NOUN
cjfa-16353	53	23	for	for	ADP
cjfa-16353	53	24	these	these	DET
cjfa-16353	53	25	institutions	institution	NOUN
cjfa-16353	53	26	’	'	PUNCT
cjfa-16353	53	27	investment	investment	NOUN
cjfa-16353	53	28	policies	policy	NOUN
cjfa-16353	53	29	.	.	PUNCT
cjfa-16353	54	1	for	for	ADP
cjfa-16353	54	2	example	example	NOUN
cjfa-16353	54	3	,	,	PUNCT
cjfa-16353	54	4	the	the	DET
cjfa-16353	54	5	cooperative	cooperative	ADJ
cjfa-16353	54	6	banks	bank	NOUN
cjfa-16353	54	7	in	in	ADP
cjfa-16353	54	8	poland	poland	PROPN
cjfa-16353	54	9	having	have	VERB
cjfa-16353	54	10	free	free	ADJ
cjfa-16353	54	11	funds	fund	NOUN
cjfa-16353	54	12	are	be	AUX
cjfa-16353	54	13	obliged	oblige	VERB
cjfa-16353	54	14	by	by	ADP
cjfa-16353	54	15	association	association	NOUN
cjfa-16353	54	16	agreements	agreement	NOUN
cjfa-16353	54	17	to	to	PART
cjfa-16353	54	18	deposit	deposit	VERB
cjfa-16353	54	19	them	they	PRON
cjfa-16353	54	20	in	in	ADP
cjfa-16353	54	21	affiliating	affiliate	VERB
cjfa-16353	54	22	banks	bank	NOUN
cjfa-16353	54	23	.	.	PUNCT
cjfa-16353	55	1	on	on	ADP
cjfa-16353	55	2	the	the	DET
cjfa-16353	55	3	other	other	ADJ
cjfa-16353	55	4	hand	hand	NOUN
cjfa-16353	55	5	the	the	DET
cjfa-16353	55	6	intercooperative	intercooperative	ADJ
cjfa-16353	55	7	deposit	deposit	NOUN
cjfa-16353	55	8	market	market	NOUN
cjfa-16353	55	9	or	or	CCONJ
cjfa-16353	55	10	deposits	deposit	NOUN
cjfa-16353	55	11	in	in	ADP
cjfa-16353	55	12	commercial	commercial	ADJ
cjfa-16353	55	13	banks	bank	NOUN
cjfa-16353	55	14	are	be	AUX
cjfa-16353	55	15	of	of	ADP
cjfa-16353	55	16	lesser	less	ADJ
cjfa-16353	55	17	importance	importance	NOUN
cjfa-16353	55	18	(	(	PUNCT
cjfa-16353	55	19	czopur	czopur	NOUN
cjfa-16353	55	20	,	,	PUNCT
cjfa-16353	55	21	2012	2012	NUM
cjfa-16353	55	22	,	,	PUNCT
cjfa-16353	55	23	p.	p.	NOUN
cjfa-16353	55	24	162	162	NUM
cjfa-16353	55	25	)	)	PUNCT
cjfa-16353	55	26	.	.	PUNCT
cjfa-16353	56	1	the	the	DET
cjfa-16353	56	2	functioning	functioning	NOUN
cjfa-16353	56	3	of	of	ADP
cjfa-16353	56	4	cooperative	cooperative	ADJ
cjfa-16353	56	5	banks	bank	NOUN
cjfa-16353	56	6	in	in	ADP
cjfa-16353	56	7	a	a	DET
cjfa-16353	56	8	specific	specific	ADJ
cjfa-16353	56	9	setting	setting	NOUN
cjfa-16353	56	10	and	and	CCONJ
cjfa-16353	56	11	regulatory	regulatory	ADJ
cjfa-16353	56	12	limitations	limitation	NOUN
cjfa-16353	56	13	of	of	ADP
cjfa-16353	56	14	the	the	DET
cjfa-16353	56	15	territorial	territorial	ADJ
cjfa-16353	56	16	activities	activity	NOUN
cjfa-16353	56	17	cause	cause	VERB
cjfa-16353	56	18	traditional	traditional	ADJ
cjfa-16353	56	19	cooperative	cooperative	ADJ
cjfa-16353	56	20	bank	bank	NOUN
cjfa-16353	56	21	financial	financial	ADJ
cjfa-16353	56	22	brokerage	brokerage	NOUN
cjfa-16353	56	23	to	to	PART
cjfa-16353	56	24	be	be	AUX
cjfa-16353	56	25	important	important	ADJ
cjfa-16353	56	26	for	for	ADP
cjfa-16353	56	27	a	a	DET
cjfa-16353	56	28	specific	specific	ADJ
cjfa-16353	56	29	community	community	NOUN
cjfa-16353	56	30	.	.	PUNCT
cjfa-16353	57	1	this	this	PRON
cjfa-16353	57	2	makes	make	VERB
cjfa-16353	57	3	it	it	PRON
cjfa-16353	57	4	possible	possible	ADJ
cjfa-16353	57	5	for	for	SCONJ
cjfa-16353	57	6	funds	fund	NOUN
cjfa-16353	57	7	to	to	PART
cjfa-16353	57	8	flow	flow	VERB
cjfa-16353	57	9	within	within	ADP
cjfa-16353	57	10	a	a	DET
cjfa-16353	57	11	specific	specific	ADJ
cjfa-16353	57	12	area	area	NOUN
cjfa-16353	57	13	of	of	ADP
cjfa-16353	57	14	activity	activity	NOUN
cjfa-16353	57	15	.	.	PUNCT
cjfa-16353	58	1	unlike	unlike	ADP
cjfa-16353	58	2	international	international	ADJ
cjfa-16353	58	3	commercial	commercial	ADJ
cjfa-16353	58	4	banks	bank	NOUN
cjfa-16353	58	5	that	that	PRON
cjfa-16353	58	6	make	make	VERB
cjfa-16353	58	7	spatial	spatial	ADJ
cjfa-16353	58	8	transformations	transformation	NOUN
cjfa-16353	58	9	of	of	ADP
cjfa-16353	58	10	the	the	DET
cjfa-16353	58	11	raised	raise	VERB
cjfa-16353	58	12	funds	fund	NOUN
cjfa-16353	58	13	(	(	PUNCT
cjfa-16353	58	14	golec	golec	NOUN
cjfa-16353	58	15	,	,	PUNCT
cjfa-16353	58	16	2016	2016	NUM
cjfa-16353	58	17	,	,	PUNCT
cjfa-16353	58	18	p.	p.	NOUN
cjfa-16353	58	19	18	18	NUM
cjfa-16353	58	20	)	)	PUNCT
cjfa-16353	58	21	,	,	PUNCT
cjfa-16353	58	22	the	the	DET
cjfa-16353	58	23	cooperative	cooperative	ADJ
cjfa-16353	58	24	banks	bank	NOUN
cjfa-16353	58	25	can	can	AUX
cjfa-16353	58	26	follow	follow	VERB
cjfa-16353	58	27	the	the	DET
cjfa-16353	58	28	historical	historical	ADJ
cjfa-16353	58	29	cooperative	cooperative	ADJ
cjfa-16353	58	30	principle	principle	NOUN
cjfa-16353	58	31	“	"	PUNCT
cjfa-16353	58	32	local	local	ADJ
cjfa-16353	58	33	money	money	NOUN
cjfa-16353	58	34	for	for	ADP
cjfa-16353	58	35	local	local	ADJ
cjfa-16353	58	36	needs	need	NOUN
cjfa-16353	58	37	”	"	PUNCT
cjfa-16353	58	38	,	,	PUNCT
cjfa-16353	58	39	thus	thus	ADV
cjfa-16353	58	40	offsetting	offset	VERB
cjfa-16353	58	41	deposit	deposit	NOUN
cjfa-16353	58	42	streams	stream	NOUN
cjfa-16353	58	43	and	and	CCONJ
cjfa-16353	58	44	loan	loan	NOUN
cjfa-16353	58	45	volume	volume	NOUN
cjfa-16353	58	46	(	(	PUNCT
cjfa-16353	58	47	szambelańczyk	szambelańczyk	NOUN
cjfa-16353	58	48	&	&	CCONJ
cjfa-16353	58	49	ławrynowicz	ławrynowicz	PROPN
cjfa-16353	58	50	,	,	PUNCT
cjfa-16353	58	51	2003	2003	NUM
cjfa-16353	58	52	,	,	PUNCT
cjfa-16353	58	53	p.	p.	NOUN
cjfa-16353	58	54	393	393	NUM
cjfa-16353	58	55	;	;	PUNCT
cjfa-16353	58	56	szambelańczyk	szambelańczyk	VERB
cjfa-16353	58	57	,	,	PUNCT
cjfa-16353	58	58	2006	2006	NUM
cjfa-16353	58	59	,	,	PUNCT
cjfa-16353	58	60	pp	pp	ADV
cjfa-16353	58	61	.	.	PUNCT
cjfa-16353	59	1	111–113	111–113	NUM
cjfa-16353	59	2	)	)	PUNCT
cjfa-16353	59	3	.	.	PUNCT
cjfa-16353	60	1	if	if	SCONJ
cjfa-16353	60	2	,	,	PUNCT
cjfa-16353	60	3	however	however	ADV
cjfa-16353	60	4	,	,	PUNCT
cjfa-16353	60	5	the	the	DET
cjfa-16353	60	6	cooperative	cooperative	ADJ
cjfa-16353	60	7	bank	bank	NOUN
cjfa-16353	60	8	does	do	AUX
cjfa-16353	60	9	not	not	PART
cjfa-16353	60	10	offset	offset	VERB
cjfa-16353	60	11	the	the	DET
cjfa-16353	60	12	streams	stream	NOUN
cjfa-16353	60	13	of	of	ADP
cjfa-16353	60	14	funds	fund	NOUN
cjfa-16353	60	15	,	,	PUNCT
cjfa-16353	60	16	then	then	ADV
cjfa-16353	60	17	we	we	PRON
cjfa-16353	60	18	deal	deal	VERB
cjfa-16353	60	19	with	with	ADP
cjfa-16353	60	20	its	its	PRON
cjfa-16353	60	21	:	:	PUNCT
cjfa-16353	60	22	surplus	surplus	NOUN
cjfa-16353	60	23	(	(	PUNCT
cjfa-16353	60	24	when	when	SCONJ
cjfa-16353	60	25	the	the	DET
cjfa-16353	60	26	volume	volume	NOUN
cjfa-16353	60	27	of	of	ADP
cjfa-16353	60	28	customers	customer	NOUN
cjfa-16353	60	29	’	'	PUNCT
cjfa-16353	60	30	funds	fund	NOUN
cjfa-16353	60	31	collected	collect	VERB
cjfa-16353	60	32	as	as	ADP
cjfa-16353	60	33	deposits	deposit	NOUN
cjfa-16353	60	34	exceeds	exceed	VERB
cjfa-16353	60	35	the	the	DET
cjfa-16353	60	36	value	value	NOUN
cjfa-16353	60	37	of	of	ADP
cjfa-16353	60	38	amounts	amount	NOUN
cjfa-16353	60	39	receivable	receivable	ADJ
cjfa-16353	60	40	of	of	ADP
cjfa-16353	60	41	nonfinancial	nonfinancial	ADJ
cjfa-16353	60	42	entities	entity	NOUN
cjfa-16353	60	43	)	)	PUNCT
cjfa-16353	60	44	or	or	CCONJ
cjfa-16353	60	45	deficit	deficit	NOUN
cjfa-16353	60	46	(	(	PUNCT
cjfa-16353	60	47	if	if	SCONJ
cjfa-16353	60	48	the	the	DET
cjfa-16353	60	49	difference	difference	NOUN
cjfa-16353	60	50	between	between	ADP
cjfa-16353	60	51	deposits	deposit	NOUN
cjfa-16353	60	52	and	and	CCONJ
cjfa-16353	60	53	loans	loan	NOUN
cjfa-16353	60	54	is	be	AUX
cjfa-16353	60	55	negative	negative	ADJ
cjfa-16353	60	56	,	,	PUNCT
cjfa-16353	60	57	the	the	DET
cjfa-16353	60	58	bank	bank	NOUN
cjfa-16353	60	59	must	must	AUX
cjfa-16353	60	60	borrow	borrow	VERB
cjfa-16353	60	61	funds	fund	NOUN
cjfa-16353	60	62	from	from	ADP
cjfa-16353	60	63	other	other	ADJ
cjfa-16353	60	64	institutions	institution	NOUN
cjfa-16353	60	65	,	,	PUNCT
cjfa-16353	60	66	the	the	DET
cjfa-16353	60	67	institution	institution	NOUN
cjfa-16353	60	68	is	be	AUX
cjfa-16353	60	69	an	an	DET
cjfa-16353	60	70	“	"	PUNCT
cjfa-16353	60	71	importer	importer	NOUN
cjfa-16353	60	72	”	"	PUNCT
cjfa-16353	60	73	of	of	ADP
cjfa-16353	60	74	money	money	NOUN
cjfa-16353	60	75	capitals	capital	NOUN
cjfa-16353	60	76	)	)	PUNCT
cjfa-16353	60	77	.	.	PUNCT
cjfa-16353	61	1	in	in	ADP
cjfa-16353	61	2	case	case	NOUN
cjfa-16353	61	3	of	of	ADP
cjfa-16353	61	4	surplus	surplus	NOUN
cjfa-16353	61	5	of	of	ADP
cjfa-16353	61	6	the	the	DET
cjfa-16353	61	7	cooperative	cooperative	ADJ
cjfa-16353	61	8	bank	bank	NOUN
cjfa-16353	61	9	,	,	PUNCT
cjfa-16353	61	10	the	the	DET
cjfa-16353	61	11	“	"	PUNCT
cjfa-16353	61	12	exports	export	NOUN
cjfa-16353	61	13	”	"	PUNCT
cjfa-16353	61	14	of	of	ADP
cjfa-16353	61	15	deposits	deposit	NOUN
cjfa-16353	61	16	lie	lie	VERB
cjfa-16353	61	17	in	in	ADP
cjfa-16353	61	18	making	make	VERB
cjfa-16353	61	19	deposits	deposit	NOUN
cjfa-16353	61	20	at	at	ADP
cjfa-16353	61	21	an	an	DET
cjfa-16353	61	22	affiliating	affiliate	VERB
cjfa-16353	61	23	bank	bank	NOUN
cjfa-16353	61	24	and	and	CCONJ
cjfa-16353	61	25	through	through	ADP
cjfa-16353	61	26	the	the	DET
cjfa-16353	61	27	affiliating	affiliate	VERB
cjfa-16353	61	28	bank	bank	NOUN
cjfa-16353	61	29	in	in	ADP
cjfa-16353	61	30	the	the	DET
cjfa-16353	61	31	wholesale	wholesale	ADJ
cjfa-16353	61	32	money	money	NOUN
cjfa-16353	61	33	market	market	NOUN
cjfa-16353	61	34	.	.	PUNCT
cjfa-16353	62	1	the	the	DET
cjfa-16353	62	2	optimal	optimal	ADJ
cjfa-16353	62	3	situation	situation	NOUN
cjfa-16353	62	4	occurs	occur	VERB
cjfa-16353	62	5	when	when	SCONJ
cjfa-16353	62	6	the	the	DET
cjfa-16353	62	7	cooperative	cooperative	ADJ
cjfa-16353	62	8	bank	bank	NOUN
cjfa-16353	62	9	offsets	offset	VERB
cjfa-16353	62	10	the	the	DET
cjfa-16353	62	11	streams	stream	NOUN
cjfa-16353	62	12	of	of	ADP
cjfa-16353	62	13	deposits	deposit	NOUN
cjfa-16353	62	14	and	and	CCONJ
cjfa-16353	62	15	loans	loan	NOUN
cjfa-16353	62	16	by	by	ADP
cjfa-16353	62	17	only	only	ADV
cjfa-16353	62	18	correcting	correct	VERB
cjfa-16353	62	19	surplus	surplus	NOUN
cjfa-16353	62	20	/	/	SYM
cjfa-16353	62	21	deficit	deficit	NOUN
cjfa-16353	62	22	that	that	PRON
cjfa-16353	62	23	result	result	VERB
cjfa-16353	62	24	from	from	ADP
cjfa-16353	62	25	temporary	temporary	ADJ
cjfa-16353	62	26	states	state	NOUN
cjfa-16353	62	27	.	.	PUNCT
cjfa-16353	63	1	among	among	ADP
cjfa-16353	63	2	cooperative	cooperative	ADJ
cjfa-16353	63	3	banks	bank	NOUN
cjfa-16353	63	4	there	there	ADV
cjfa-16353	63	5	may	may	AUX
cjfa-16353	63	6	appear	appear	VERB
cjfa-16353	63	7	institutions	institution	NOUN
cjfa-16353	63	8	that	that	PRON
cjfa-16353	63	9	are	be	AUX
cjfa-16353	63	10	“	"	PUNCT
cjfa-16353	63	11	typically	typically	ADV
cjfa-16353	63	12	loan	loan	NOUN
cjfa-16353	63	13	-	-	PUNCT
cjfa-16353	63	14	oriented	orient	VERB
cjfa-16353	63	15	”	"	PUNCT
cjfa-16353	63	16	or	or	CCONJ
cjfa-16353	63	17	“	"	PUNCT
cjfa-16353	63	18	typically	typically	ADV
cjfa-16353	63	19	deposit	deposit	NOUN
cjfa-16353	63	20	-	-	PUNCT
cjfa-16353	63	21	oriented	orient	VERB
cjfa-16353	63	22	”	"	PUNCT
cjfa-16353	63	23	(	(	PUNCT
cjfa-16353	63	24	siudek	siudek	NOUN
cjfa-16353	63	25	,	,	PUNCT
cjfa-16353	63	26	2011	2011	NUM
cjfa-16353	63	27	,	,	PUNCT
cjfa-16353	63	28	p.	p.	NOUN
cjfa-16353	63	29	171	171	NUM
cjfa-16353	63	30	)	)	PUNCT
cjfa-16353	63	31	.	.	PUNCT
cjfa-16353	64	1	the	the	DET
cjfa-16353	64	2	scope	scope	NOUN
cjfa-16353	64	3	of	of	ADP
cjfa-16353	64	4	money	money	NOUN
cjfa-16353	64	5	transfers	transfer	NOUN
cjfa-16353	64	6	among	among	ADP
cjfa-16353	64	7	polish	polish	ADJ
cjfa-16353	64	8	cooperative	cooperative	ADJ
cjfa-16353	64	9	banks	bank	NOUN
cjfa-16353	64	10	was	be	AUX
cjfa-16353	64	11	researched	research	VERB
cjfa-16353	64	12	by	by	ADP
cjfa-16353	64	13	szambelańczyk	szambelańczyk	NOUN
cjfa-16353	64	14	and	and	CCONJ
cjfa-16353	64	15	ławrynowicz	ławrynowicz	NOUN
cjfa-16353	64	16	(	(	PUNCT
cjfa-16353	64	17	2003	2003	NUM
cjfa-16353	64	18	)	)	PUNCT
cjfa-16353	64	19	.	.	PUNCT
cjfa-16353	65	1	with	with	ADP
cjfa-16353	65	2	the	the	DET
cjfa-16353	65	3	use	use	NOUN
cjfa-16353	65	4	of	of	ADP
cjfa-16353	65	5	full	full	ADJ
cjfa-16353	65	6	quarterly	quarterly	ADJ
cjfa-16353	65	7	financial	financial	ADJ
cjfa-16353	65	8	data	datum	NOUN
cjfa-16353	65	9	from	from	ADP
cjfa-16353	65	10	5	5	NUM
cjfa-16353	65	11	periods	period	NOUN
cjfa-16353	65	12	in	in	ADP
cjfa-16353	65	13	the	the	DET
cjfa-16353	65	14	years	year	NOUN
cjfa-16353	65	15	2000–2001	2000–2001	NUM
cjfa-16353	65	16	and	and	CCONJ
cjfa-16353	65	17	with	with	ADP
cjfa-16353	65	18	the	the	DET
cjfa-16353	65	19	use	use	NOUN
cjfa-16353	65	20	of	of	ADP
cjfa-16353	65	21	two	two	NUM
cjfa-16353	65	22	indicators	indicator	NOUN
cjfa-16353	65	23	,	,	PUNCT
cjfa-16353	65	24	they	they	PRON
cjfa-16353	65	25	established	establish	VERB
cjfa-16353	65	26	the	the	DET
cjfa-16353	65	27	differences	difference	NOUN
cjfa-16353	65	28	between	between	ADP
cjfa-16353	65	29	the	the	DET
cjfa-16353	65	30	values	value	NOUN
cjfa-16353	65	31	of	of	ADP
cjfa-16353	65	32	clients	client	NOUN
cjfa-16353	65	33	’	’	PART
cjfa-16353	65	34	deposits	deposit	NOUN
cjfa-16353	65	35	and	and	CCONJ
cjfa-16353	65	36	loans	loan	NOUN
cjfa-16353	65	37	.	.	PUNCT
cjfa-16353	66	1	they	they	PRON
cjfa-16353	66	2	also	also	ADV
cjfa-16353	66	3	identified	identify	VERB
cjfa-16353	66	4	relationships	relationship	NOUN
cjfa-16353	66	5	between	between	ADP
cjfa-16353	66	6	the	the	DET
cjfa-16353	66	7	di	di	NOUN
cjfa-16353	66	8	locality	locality	NOUN
cjfa-16353	66	9	and	and	CCONJ
cjfa-16353	66	10	the	the	DET
cjfa-16353	66	11	transfer	transfer	NOUN
cjfa-16353	66	12	of	of	ADP
cjfa-16353	66	13	funds	fund	NOUN
cjfa-16353	66	14	in	in	ADP
cjfa-16353	66	15	the	the	DET
cjfa-16353	66	16	cooperative	cooperative	NOUN
cjfa-16353	66	17	…	…	PUNCT
cjfa-16353	66	18	25	25	NUM
cjfa-16353	66	19	rection	rection	NOUN
cjfa-16353	66	20	and	and	CCONJ
cjfa-16353	66	21	scope	scope	NOUN
cjfa-16353	66	22	of	of	ADP
cjfa-16353	66	23	transfers	transfer	NOUN
cjfa-16353	66	24	and	and	CCONJ
cjfa-16353	66	25	the	the	DET
cjfa-16353	66	26	profile	profile	NOUN
cjfa-16353	66	27	of	of	ADP
cjfa-16353	66	28	a	a	DET
cjfa-16353	66	29	bank	bank	NOUN
cjfa-16353	66	30	’s	’s	PART
cjfa-16353	66	31	activity	activity	NOUN
cjfa-16353	66	32	.	.	PUNCT
cjfa-16353	67	1	nearly	nearly	ADV
cjfa-16353	67	2	half	half	NOUN
cjfa-16353	67	3	of	of	ADP
cjfa-16353	67	4	the	the	DET
cjfa-16353	67	5	cooperative	cooperative	ADJ
cjfa-16353	67	6	banks	bank	NOUN
cjfa-16353	67	7	(	(	PUNCT
cjfa-16353	67	8	49	49	NUM
cjfa-16353	67	9	%	%	NOUN
cjfa-16353	67	10	)	)	PUNCT
cjfa-16353	67	11	demonstrated	demonstrate	VERB
cjfa-16353	67	12	a	a	DET
cjfa-16353	67	13	balanced	balanced	ADJ
cjfa-16353	67	14	account	account	NOUN
cjfa-16353	67	15	of	of	ADP
cjfa-16353	67	16	transfers	transfer	NOUN
cjfa-16353	67	17	,	,	PUNCT
cjfa-16353	67	18	13	13	NUM
cjfa-16353	67	19	%	%	NOUN
cjfa-16353	67	20	of	of	ADP
cjfa-16353	67	21	them	they	PRON
cjfa-16353	67	22	were	be	AUX
cjfa-16353	67	23	diagnosed	diagnose	VERB
cjfa-16353	67	24	as	as	ADP
cjfa-16353	67	25	deficit	deficit	NOUN
cjfa-16353	67	26	-	-	PUNCT
cjfa-16353	67	27	like	like	ADJ
cjfa-16353	67	28	,	,	PUNCT
cjfa-16353	67	29	and	and	CCONJ
cjfa-16353	67	30	the	the	DET
cjfa-16353	67	31	remaining	remain	VERB
cjfa-16353	67	32	were	be	AUX
cjfa-16353	67	33	of	of	ADP
cjfa-16353	67	34	surplus	surplus	ADJ
cjfa-16353	67	35	character	character	NOUN
cjfa-16353	67	36	(	(	PUNCT
cjfa-16353	67	37	szambelańczyk	szambelańczyk	NOUN
cjfa-16353	67	38	&	&	CCONJ
cjfa-16353	67	39	ławrynowicz	ławrynowicz	PROPN
cjfa-16353	67	40	,	,	PUNCT
cjfa-16353	67	41	2003	2003	NUM
cjfa-16353	67	42	,	,	PUNCT
cjfa-16353	67	43	pp	pp	ADV
cjfa-16353	67	44	.	.	PUNCT
cjfa-16353	68	1	400–402	400–402	NUM
cjfa-16353	68	2	)	)	PUNCT
cjfa-16353	68	3	.	.	PUNCT
cjfa-16353	69	1	the	the	DET
cjfa-16353	69	2	most	most	ADV
cjfa-16353	69	3	deficit	deficit	NOUN
cjfa-16353	69	4	-	-	PUNCT
cjfa-16353	69	5	like	like	ADJ
cjfa-16353	69	6	banks	bank	NOUN
cjfa-16353	69	7	were	be	AUX
cjfa-16353	69	8	based	base	VERB
cjfa-16353	69	9	in	in	ADP
cjfa-16353	69	10	small	small	ADJ
cjfa-16353	69	11	towns	town	NOUN
cjfa-16353	69	12	or	or	CCONJ
cjfa-16353	69	13	villages	village	NOUN
cjfa-16353	69	14	.	.	PUNCT
cjfa-16353	70	1	the	the	DET
cjfa-16353	70	2	surplus	surplus	ADJ
cjfa-16353	70	3	spending	spending	NOUN
cjfa-16353	70	4	institutions	institution	NOUN
cjfa-16353	70	5	were	be	AUX
cjfa-16353	70	6	based	base	VERB
cjfa-16353	70	7	in	in	ADP
cjfa-16353	70	8	big	big	ADJ
cjfa-16353	70	9	agglomerations	agglomeration	NOUN
cjfa-16353	70	10	or	or	CCONJ
cjfa-16353	70	11	close	close	ADJ
cjfa-16353	70	12	to	to	ADP
cjfa-16353	70	13	them	they	PRON
cjfa-16353	70	14	.	.	PUNCT
cjfa-16353	71	1	in	in	ADP
cjfa-16353	71	2	terms	term	NOUN
cjfa-16353	71	3	of	of	ADP
cjfa-16353	71	4	the	the	DET
cjfa-16353	71	5	profile	profile	NOUN
cjfa-16353	71	6	of	of	ADP
cjfa-16353	71	7	activity	activity	NOUN
cjfa-16353	71	8	the	the	DET
cjfa-16353	71	9	more	more	ADV
cjfa-16353	71	10	surplus	surplus	NOUN
cjfa-16353	71	11	-	-	PUNCT
cjfa-16353	71	12	like	like	ADJ
cjfa-16353	71	13	institutions	institution	NOUN
cjfa-16353	71	14	were	be	AUX
cjfa-16353	71	15	those	those	PRON
cjfa-16353	71	16	of	of	ADP
cjfa-16353	71	17	business	business	NOUN
cjfa-16353	71	18	character	character	NOUN
cjfa-16353	71	19	dealing	deal	VERB
cjfa-16353	71	20	mostly	mostly	ADV
cjfa-16353	71	21	with	with	ADP
cjfa-16353	71	22	businesses	business	NOUN
cjfa-16353	71	23	that	that	PRON
cjfa-16353	71	24	provided	provide	VERB
cjfa-16353	71	25	lending	lending	NOUN
cjfa-16353	71	26	services	service	NOUN
cjfa-16353	71	27	for	for	ADP
cjfa-16353	71	28	farmers	farmer	NOUN
cjfa-16353	71	29	and	and	CCONJ
cjfa-16353	71	30	households	household	NOUN
cjfa-16353	71	31	(	(	PUNCT
cjfa-16353	71	32	szambelańczyk	szambelańczyk	NOUN
cjfa-16353	71	33	,	,	PUNCT
cjfa-16353	71	34	2006	2006	NUM
cjfa-16353	71	35	,	,	PUNCT
cjfa-16353	71	36	pp	pp	ADJ
cjfa-16353	71	37	.	.	PUNCT
cjfa-16353	72	1	118	118	NUM
cjfa-16353	72	2	)	)	PUNCT
cjfa-16353	72	3	.	.	PUNCT
cjfa-16353	73	1	the	the	DET
cjfa-16353	73	2	european	european	PROPN
cjfa-16353	73	3	cooperative	cooperative	ADJ
cjfa-16353	73	4	banking	banking	NOUN
cjfa-16353	73	5	sector	sector	NOUN
cjfa-16353	73	6	’s	’s	PART
cjfa-16353	73	7	data	datum	NOUN
cjfa-16353	73	8	do	do	AUX
cjfa-16353	73	9	not	not	PART
cjfa-16353	73	10	corroborate	corroborate	VERB
cjfa-16353	73	11	the	the	DET
cjfa-16353	73	12	phenomena	phenomenon	NOUN
cjfa-16353	73	13	observed	observe	VERB
cjfa-16353	73	14	in	in	ADP
cjfa-16353	73	15	poland	poland	PROPN
cjfa-16353	73	16	.	.	PUNCT
cjfa-16353	74	1	according	accord	VERB
cjfa-16353	74	2	to	to	ADP
cjfa-16353	74	3	the	the	DET
cjfa-16353	74	4	european	european	PROPN
cjfa-16353	74	5	association	association	PROPN
cjfa-16353	74	6	of	of	ADP
cjfa-16353	74	7	cooperative	cooperative	ADJ
cjfa-16353	74	8	banks	bank	NOUN
cjfa-16353	74	9	(	(	PUNCT
cjfa-16353	74	10	eacb	eacb	NOUN
cjfa-16353	74	11	)	)	PUNCT
cjfa-16353	74	12	representing	represent	VERB
cjfa-16353	74	13	27	27	NUM
cjfa-16353	74	14	groups	group	NOUN
cjfa-16353	74	15	of	of	ADP
cjfa-16353	74	16	cooperative	cooperative	ADJ
cjfa-16353	74	17	banks	bank	NOUN
cjfa-16353	74	18	with	with	ADP
cjfa-16353	74	19	almost	almost	ADV
cjfa-16353	74	20	80	80	NUM
cjfa-16353	74	21	million	million	NUM
cjfa-16353	74	22	of	of	ADP
cjfa-16353	74	23	members	member	NOUN
cjfa-16353	74	24	,	,	PUNCT
cjfa-16353	74	25	210	210	NUM
cjfa-16353	74	26	million	million	NUM
cjfa-16353	74	27	of	of	ADP
cjfa-16353	74	28	clients	client	NOUN
cjfa-16353	74	29	and	and	CCONJ
cjfa-16353	74	30	4050	4050	NUM
cjfa-16353	74	31	cooperative	cooperative	ADJ
cjfa-16353	74	32	banks	bank	NOUN
cjfa-16353	74	33	,	,	PUNCT
cjfa-16353	74	34	the	the	DET
cjfa-16353	74	35	2015	2015	NUM
cjfa-16353	74	36	loan	loan	NOUN
cjfa-16353	74	37	-	-	PUNCT
cjfa-16353	74	38	deposit	deposit	NOUN
cjfa-16353	74	39	ratio	ratio	NOUN
cjfa-16353	74	40	stood	stand	VERB
cjfa-16353	74	41	at	at	ADP
cjfa-16353	74	42	1.12	1.12	NUM
cjfa-16353	74	43	,	,	PUNCT
cjfa-16353	74	44	in	in	ADP
cjfa-16353	74	45	the	the	DET
cjfa-16353	74	46	previous	previous	ADJ
cjfa-16353	74	47	year	year	NOUN
cjfa-16353	74	48	’s	’s	PART
cjfa-16353	74	49	being	be	AUX
cjfa-16353	74	50	pretty	pretty	ADV
cjfa-16353	74	51	similar	similar	ADJ
cjfa-16353	74	52	(	(	PUNCT
cjfa-16353	74	53	groeneveld	groeneveld	NOUN
cjfa-16353	74	54	,	,	PUNCT
cjfa-16353	74	55	2017	2017	NUM
cjfa-16353	74	56	,	,	PUNCT
cjfa-16353	74	57	p.	p.	NOUN
cjfa-16353	74	58	5	5	NUM
cjfa-16353	74	59	)	)	PUNCT
cjfa-16353	74	60	.	.	PUNCT
cjfa-16353	75	1	assumptions	assumption	NOUN
cjfa-16353	75	2	of	of	ADP
cjfa-16353	75	3	the	the	DET
cjfa-16353	75	4	research	research	NOUN
cjfa-16353	75	5	the	the	DET
cjfa-16353	75	6	above	above	ADV
cjfa-16353	75	7	-	-	PUNCT
cjfa-16353	75	8	mentioned	mention	VERB
cjfa-16353	75	9	overview	overview	NOUN
cjfa-16353	75	10	of	of	ADP
cjfa-16353	75	11	the	the	DET
cjfa-16353	75	12	transfers	transfer	NOUN
cjfa-16353	75	13	of	of	ADP
cjfa-16353	75	14	funds	fund	NOUN
cjfa-16353	75	15	in	in	ADP
cjfa-16353	75	16	the	the	DET
cjfa-16353	75	17	cooperative	cooperative	ADJ
cjfa-16353	75	18	banking	banking	NOUN
cjfa-16353	75	19	sector	sector	NOUN
cjfa-16353	75	20	will	will	AUX
cjfa-16353	75	21	be	be	AUX
cjfa-16353	75	22	subjected	subject	VERB
cjfa-16353	75	23	to	to	ADP
cjfa-16353	75	24	analysis	analysis	NOUN
cjfa-16353	75	25	with	with	ADP
cjfa-16353	75	26	regard	regard	NOUN
cjfa-16353	75	27	to	to	ADP
cjfa-16353	75	28	the	the	DET
cjfa-16353	75	29	diversity	diversity	NOUN
cjfa-16353	75	30	of	of	ADP
cjfa-16353	75	31	credit	credit	NOUN
cjfa-16353	75	32	unions	union	NOUN
cjfa-16353	75	33	.	.	PUNCT
cjfa-16353	76	1	the	the	DET
cjfa-16353	76	2	picture	picture	NOUN
cjfa-16353	76	3	of	of	ADP
cjfa-16353	76	4	the	the	DET
cjfa-16353	76	5	cooperative	cooperative	ADJ
cjfa-16353	76	6	banking	banking	NOUN
cjfa-16353	76	7	sector	sector	NOUN
cjfa-16353	76	8	presented	present	VERB
cjfa-16353	76	9	through	through	ADP
cjfa-16353	76	10	value	value	NOUN
cjfa-16353	76	11	reports	report	NOUN
cjfa-16353	76	12	may	may	AUX
cjfa-16353	76	13	be	be	AUX
cjfa-16353	76	14	determined	determine	VERB
cjfa-16353	76	15	by	by	ADP
cjfa-16353	76	16	merely	merely	ADV
cjfa-16353	76	17	a	a	DET
cjfa-16353	76	18	few	few	ADJ
cjfa-16353	76	19	very	very	ADV
cjfa-16353	76	20	big	big	ADJ
cjfa-16353	76	21	market	market	NOUN
cjfa-16353	76	22	entities	entity	NOUN
cjfa-16353	76	23	.	.	PUNCT
cjfa-16353	77	1	that	that	PRON
cjfa-16353	77	2	is	be	AUX
cjfa-16353	77	3	why	why	SCONJ
cjfa-16353	77	4	the	the	DET
cjfa-16353	77	5	author	author	NOUN
cjfa-16353	77	6	conducted	conduct	VERB
cjfa-16353	77	7	a	a	DET
cjfa-16353	77	8	study	study	NOUN
cjfa-16353	77	9	of	of	ADP
cjfa-16353	77	10	the	the	DET
cjfa-16353	77	11	scope	scope	NOUN
cjfa-16353	77	12	of	of	ADP
cjfa-16353	77	13	cooperative	cooperative	ADJ
cjfa-16353	77	14	institutions	institution	NOUN
cjfa-16353	77	15	’	'	PUNCT
cjfa-16353	77	16	transfers	transfer	NOUN
cjfa-16353	77	17	with	with	ADP
cjfa-16353	77	18	the	the	DET
cjfa-16353	77	19	use	use	NOUN
cjfa-16353	77	20	of	of	ADP
cjfa-16353	77	21	financial	financial	ADJ
cjfa-16353	77	22	data	datum	NOUN
cjfa-16353	77	23	from	from	ADP
cjfa-16353	77	24	75	75	NUM
cjfa-16353	77	25	cooperative	cooperative	ADJ
cjfa-16353	77	26	banks	bank	NOUN
cjfa-16353	77	27	in	in	ADP
cjfa-16353	77	28	poland	poland	PROPN
cjfa-16353	77	29	.	.	PUNCT
cjfa-16353	78	1	the	the	DET
cjfa-16353	78	2	data	datum	NOUN
cjfa-16353	78	3	used	use	VERB
cjfa-16353	78	4	for	for	ADP
cjfa-16353	78	5	the	the	DET
cjfa-16353	78	6	study	study	NOUN
cjfa-16353	78	7	encompassed	encompass	VERB
cjfa-16353	78	8	the	the	DET
cjfa-16353	78	9	quarterly	quarterly	ADJ
cjfa-16353	78	10	data	datum	NOUN
cjfa-16353	78	11	for	for	ADP
cjfa-16353	78	12	the	the	DET
cjfa-16353	78	13	period	period	NOUN
cjfa-16353	78	14	from	from	ADP
cjfa-16353	78	15	december	december	PROPN
cjfa-16353	78	16	2009	2009	NUM
cjfa-16353	78	17	to	to	ADP
cjfa-16353	78	18	march	march	PROPN
cjfa-16353	78	19	2016	2016	NUM
cjfa-16353	78	20	.	.	PUNCT
cjfa-16353	79	1	the	the	DET
cjfa-16353	79	2	data	datum	NOUN
cjfa-16353	79	3	were	be	AUX
cjfa-16353	79	4	provided	provide	VERB
cjfa-16353	79	5	by	by	ADP
cjfa-16353	79	6	the	the	DET
cjfa-16353	79	7	audit	audit	NOUN
cjfa-16353	79	8	association	association	NOUN
cjfa-16353	79	9	of	of	ADP
cjfa-16353	79	10	cooperative	cooperative	ADJ
cjfa-16353	79	11	banks	bank	NOUN
cjfa-16353	79	12	in	in	ADP
cjfa-16353	79	13	poznań	poznań	NOUN
cjfa-16353	79	14	,	,	PUNCT
cjfa-16353	79	15	one	one	NUM
cjfa-16353	79	16	of	of	ADP
cjfa-16353	79	17	the	the	DET
cjfa-16353	79	18	three	three	NUM
cjfa-16353	79	19	audit	audit	NOUN
cjfa-16353	79	20	associations	association	NOUN
cjfa-16353	79	21	of	of	ADP
cjfa-16353	79	22	cooperative	cooperative	ADJ
cjfa-16353	79	23	banks	bank	NOUN
cjfa-16353	79	24	in	in	ADP
cjfa-16353	79	25	poland	poland	PROPN
cjfa-16353	79	26	.	.	PUNCT
cjfa-16353	80	1	the	the	DET
cjfa-16353	80	2	differentiation	differentiation	NOUN
cjfa-16353	80	3	of	of	ADP
cjfa-16353	80	4	groups	group	NOUN
cjfa-16353	80	5	of	of	ADP
cjfa-16353	80	6	banks	bank	NOUN
cjfa-16353	80	7	will	will	AUX
cjfa-16353	80	8	be	be	AUX
cjfa-16353	80	9	assessed	assess	VERB
cjfa-16353	80	10	by	by	ADP
cjfa-16353	80	11	means	mean	NOUN
cjfa-16353	80	12	of	of	ADP
cjfa-16353	80	13	descriptive	descriptive	ADJ
cjfa-16353	80	14	statistics	statistic	NOUN
cjfa-16353	80	15	measurement	measurement	NOUN
cjfa-16353	80	16	tools	tool	NOUN
cjfa-16353	80	17	.	.	PUNCT
cjfa-16353	81	1	the	the	DET
cjfa-16353	81	2	categories	category	NOUN
cjfa-16353	81	3	taken	take	VERB
cjfa-16353	81	4	into	into	ADP
cjfa-16353	81	5	consideration	consideration	NOUN
cjfa-16353	81	6	are	be	AUX
cjfa-16353	81	7	as	as	SCONJ
cjfa-16353	81	8	follows	follow	VERB
cjfa-16353	81	9	:	:	PUNCT
cjfa-16353	81	10	sum	sum	NOUN
cjfa-16353	81	11	of	of	ADP
cjfa-16353	81	12	assets	asset	NOUN
cjfa-16353	81	13	,	,	PUNCT
cjfa-16353	81	14	employment	employment	NOUN
cjfa-16353	81	15	,	,	PUNCT
cjfa-16353	81	16	sum	sum	NOUN
cjfa-16353	81	17	of	of	ADP
cjfa-16353	81	18	deposits	deposit	NOUN
cjfa-16353	81	19	,	,	PUNCT
cjfa-16353	81	20	capitals	capital	NOUN
cjfa-16353	81	21	,	,	PUNCT
cjfa-16353	81	22	capital	capital	NOUN
cjfa-16353	81	23	adequacy	adequacy	NOUN
cjfa-16353	81	24	ratio	ratio	NOUN
cjfa-16353	81	25	,	,	PUNCT
cjfa-16353	81	26	roa	roa	PROPN
cjfa-16353	81	27	.	.	PUNCT
cjfa-16353	82	1	for	for	ADP
cjfa-16353	82	2	the	the	DET
cjfa-16353	82	3	diagnostic	diagnostic	ADJ
cjfa-16353	82	4	purpose	purpose	NOUN
cjfa-16353	82	5	of	of	ADP
cjfa-16353	82	6	the	the	DET
cjfa-16353	82	7	scope	scope	NOUN
cjfa-16353	82	8	of	of	ADP
cjfa-16353	82	9	transfers	transfer	NOUN
cjfa-16353	82	10	in	in	ADP
cjfa-16353	82	11	the	the	DET
cjfa-16353	82	12	researched	researched	ADJ
cjfa-16353	82	13	group	group	NOUN
cjfa-16353	82	14	of	of	ADP
cjfa-16353	82	15	banks	bank	NOUN
cjfa-16353	82	16	three	three	NUM
cjfa-16353	82	17	ratios	ratio	NOUN
cjfa-16353	82	18	were	be	AUX
cjfa-16353	82	19	used	use	VERB
cjfa-16353	82	20	:	:	PUNCT
cjfa-16353	82	21	■	■	PUNCT
cjfa-16353	82	22	loan	loan	NOUN
cjfa-16353	82	23	-	-	PUNCT
cjfa-16353	82	24	to	to	ADP
cjfa-16353	82	25	-	-	PUNCT
cjfa-16353	82	26	deposit_1	deposit_1	NOUN
cjfa-16353	82	27	(	(	PUNCT
cjfa-16353	82	28	ltd	ltd	PROPN
cjfa-16353	82	29	)	)	PUNCT
cjfa-16353	82	30	–	–	PUNCT
cjfa-16353	82	31	ratio	ratio	NOUN
cjfa-16353	82	32	of	of	ADP
cjfa-16353	82	33	gross	gross	ADJ
cjfa-16353	82	34	loans	loan	NOUN
cjfa-16353	82	35	of	of	ADP
cjfa-16353	82	36	the	the	DET
cjfa-16353	82	37	nonfinancial	nonfinancial	ADJ
cjfa-16353	82	38	sector	sector	NOUN
cjfa-16353	82	39	to	to	ADP
cjfa-16353	82	40	deposits	deposit	NOUN
cjfa-16353	82	41	of	of	ADP
cjfa-16353	82	42	the	the	DET
cjfa-16353	82	43	nonfinancial	nonfinancial	ADJ
cjfa-16353	82	44	sector	sector	NOUN
cjfa-16353	82	45	;	;	PUNCT
cjfa-16353	82	46	maria	maria	PROPN
cjfa-16353	82	47	magdalena	magdalena	PROPN
cjfa-16353	82	48	golec26	golec26	PROPN
cjfa-16353	82	49	■	■	PUNCT
cjfa-16353	82	50	loan	loan	NOUN
cjfa-16353	82	51	-	-	PUNCT
cjfa-16353	82	52	to	to	ADP
cjfa-16353	82	53	-	-	PUNCT
cjfa-16353	82	54	deposit_2	deposit_2	NOUN
cjfa-16353	82	55	(	(	PUNCT
cjfa-16353	82	56	ltd_2	ltd_2	NOUN
cjfa-16353	82	57	)	)	PUNCT
cjfa-16353	82	58	–	–	PUNCT
cjfa-16353	82	59	ratio	ratio	NOUN
cjfa-16353	82	60	of	of	ADP
cjfa-16353	82	61	loans	loan	NOUN
cjfa-16353	82	62	of	of	ADP
cjfa-16353	82	63	the	the	DET
cjfa-16353	82	64	nonfinancial	nonfinancial	ADJ
cjfa-16353	82	65	sector	sector	NOUN
cjfa-16353	82	66	,	,	PUNCT
cjfa-16353	82	67	government	government	NOUN
cjfa-16353	82	68	and	and	CCONJ
cjfa-16353	82	69	self	self	NOUN
cjfa-16353	82	70	-	-	PUNCT
cjfa-16353	82	71	government	government	NOUN
cjfa-16353	82	72	institutions	institution	NOUN
cjfa-16353	82	73	’	'	PUNCT
cjfa-16353	82	74	sector	sector	NOUN
cjfa-16353	82	75	to	to	ADP
cjfa-16353	82	76	the	the	DET
cjfa-16353	82	77	total	total	ADJ
cjfa-16353	82	78	sum	sum	NOUN
cjfa-16353	82	79	of	of	ADP
cjfa-16353	82	80	deposits	deposit	NOUN
cjfa-16353	82	81	(	(	PUNCT
cjfa-16353	82	82	all	all	DET
cjfa-16353	82	83	groups	group	NOUN
cjfa-16353	82	84	of	of	ADP
cjfa-16353	82	85	entities	entity	NOUN
cjfa-16353	82	86	,	,	PUNCT
cjfa-16353	82	87	i.e.	i.e.	X
cjfa-16353	82	88	financial	financial	ADJ
cjfa-16353	82	89	,	,	PUNCT
cjfa-16353	82	90	nonfinancial	nonfinancial	ADJ
cjfa-16353	82	91	and	and	CCONJ
cjfa-16353	82	92	public	public	ADJ
cjfa-16353	82	93	sectors	sector	NOUN
cjfa-16353	82	94	)	)	PUNCT
cjfa-16353	82	95	;	;	PUNCT
cjfa-16353	82	96	■	■	PUNCT
cjfa-16353	82	97	gap	gap	NOUN
cjfa-16353	82	98	–	–	PUNCT
cjfa-16353	82	99	difference	difference	NOUN
cjfa-16353	82	100	between	between	ADP
cjfa-16353	82	101	the	the	DET
cjfa-16353	82	102	value	value	NOUN
cjfa-16353	82	103	of	of	ADP
cjfa-16353	82	104	deposits	deposit	NOUN
cjfa-16353	82	105	of	of	ADP
cjfa-16353	82	106	the	the	DET
cjfa-16353	82	107	nonfinancial	nonfinancial	ADJ
cjfa-16353	82	108	sector	sector	NOUN
cjfa-16353	82	109	and	and	CCONJ
cjfa-16353	82	110	loans	loan	NOUN
cjfa-16353	82	111	for	for	ADP
cjfa-16353	82	112	the	the	DET
cjfa-16353	82	113	nonfinancial	nonfinancial	ADJ
cjfa-16353	82	114	sector	sector	NOUN
cjfa-16353	82	115	.	.	PUNCT
cjfa-16353	83	1	the	the	DET
cjfa-16353	83	2	first	first	ADJ
cjfa-16353	83	3	ratio	ratio	NOUN
cjfa-16353	83	4	(	(	PUNCT
cjfa-16353	83	5	ltd	ltd	ADJ
cjfa-16353	83	6	)	)	PUNCT
cjfa-16353	83	7	does	do	AUX
cjfa-16353	83	8	not	not	PART
cjfa-16353	83	9	include	include	VERB
cjfa-16353	83	10	the	the	DET
cjfa-16353	83	11	value	value	NOUN
cjfa-16353	83	12	of	of	ADP
cjfa-16353	83	13	deposits	deposit	NOUN
cjfa-16353	83	14	and	and	CCONJ
cjfa-16353	83	15	loans	loan	NOUN
cjfa-16353	83	16	of	of	ADP
cjfa-16353	83	17	the	the	DET
cjfa-16353	83	18	government	government	NOUN
cjfa-16353	83	19	and	and	CCONJ
cjfa-16353	83	20	self	self	NOUN
cjfa-16353	83	21	-	-	PUNCT
cjfa-16353	83	22	government	government	NOUN
cjfa-16353	83	23	institutions	institution	NOUN
cjfa-16353	83	24	’	'	PUNCT
cjfa-16353	83	25	sector	sector	NOUN
cjfa-16353	83	26	.	.	PUNCT
cjfa-16353	84	1	it	it	PRON
cjfa-16353	84	2	refers	refer	VERB
cjfa-16353	84	3	only	only	ADV
cjfa-16353	84	4	to	to	ADP
cjfa-16353	84	5	the	the	DET
cjfa-16353	84	6	key	key	ADJ
cjfa-16353	84	7	data	data	NOUN
cjfa-16353	84	8	relevant	relevant	ADJ
cjfa-16353	84	9	for	for	ADP
cjfa-16353	84	10	the	the	DET
cjfa-16353	84	11	nonfinancial	nonfinancial	ADJ
cjfa-16353	84	12	sector	sector	NOUN
cjfa-16353	84	13	.	.	PUNCT
cjfa-16353	85	1	the	the	DET
cjfa-16353	85	2	public	public	ADJ
cjfa-16353	85	3	sector	sector	NOUN
cjfa-16353	85	4	rarely	rarely	ADV
cjfa-16353	85	5	plays	play	VERB
cjfa-16353	85	6	a	a	DET
cjfa-16353	85	7	significant	significant	ADJ
cjfa-16353	85	8	role	role	NOUN
cjfa-16353	85	9	for	for	ADP
cjfa-16353	85	10	a	a	DET
cjfa-16353	85	11	loan	loan	NOUN
cjfa-16353	85	12	-	-	PUNCT
cjfa-16353	85	13	deposit	deposit	NOUN
cjfa-16353	85	14	activity	activity	NOUN
cjfa-16353	85	15	of	of	ADP
cjfa-16353	85	16	the	the	DET
cjfa-16353	85	17	credit	credit	NOUN
cjfa-16353	85	18	cooperative	cooperative	NOUN
cjfa-16353	85	19	.	.	PUNCT
cjfa-16353	86	1	additionally	additionally	ADV
cjfa-16353	86	2	the	the	DET
cjfa-16353	86	3	cooperative	cooperative	ADJ
cjfa-16353	86	4	banks	bank	NOUN
cjfa-16353	86	5	are	be	AUX
cjfa-16353	86	6	mostly	mostly	ADV
cjfa-16353	86	7	depositors	depositor	NOUN
cjfa-16353	86	8	for	for	ADP
cjfa-16353	86	9	communes	commune	NOUN
cjfa-16353	86	10	(	(	PUNCT
cjfa-16353	86	11	polish	polish	NOUN
cjfa-16353	86	12	:	:	PUNCT
cjfa-16353	86	13	gminy	gminy	NOUN
cjfa-16353	86	14	)	)	PUNCT
cjfa-16353	86	15	and	and	CCONJ
cjfa-16353	86	16	districts	district	NOUN
cjfa-16353	86	17	(	(	PUNCT
cjfa-16353	86	18	polish	polish	NOUN
cjfa-16353	86	19	:	:	PUNCT
cjfa-16353	86	20	powiaty	powiaty	NOUN
cjfa-16353	86	21	)	)	PUNCT
cjfa-16353	86	22	rather	rather	ADV
cjfa-16353	86	23	than	than	ADP
cjfa-16353	86	24	lending	lend	VERB
cjfa-16353	86	25	institutions	institution	NOUN
cjfa-16353	86	26	.	.	PUNCT
cjfa-16353	87	1	however	however	ADV
cjfa-16353	87	2	,	,	PUNCT
cjfa-16353	87	3	in	in	ADP
cjfa-16353	87	4	case	case	NOUN
cjfa-16353	87	5	of	of	ADP
cjfa-16353	87	6	the	the	DET
cjfa-16353	87	7	second	second	ADJ
cjfa-16353	87	8	ratio	ratio	NOUN
cjfa-16353	87	9	(	(	PUNCT
cjfa-16353	87	10	ltd_2	ltd_2	NOUN
cjfa-16353	87	11	)	)	PUNCT
cjfa-16353	87	12	this	this	DET
cjfa-16353	87	13	limitation	limitation	NOUN
cjfa-16353	87	14	was	be	AUX
cjfa-16353	87	15	removed	remove	VERB
cjfa-16353	87	16	.	.	PUNCT
cjfa-16353	88	1	the	the	DET
cjfa-16353	88	2	ltd_2	ltd_2	NOUN
cjfa-16353	88	3	ratio	ratio	NOUN
cjfa-16353	88	4	reflects	reflect	VERB
cjfa-16353	88	5	the	the	DET
cjfa-16353	88	6	loan	loan	NOUN
cjfa-16353	88	7	and	and	CCONJ
cjfa-16353	88	8	deposit	deposit	NOUN
cjfa-16353	88	9	data	datum	NOUN
cjfa-16353	88	10	for	for	ADP
cjfa-16353	88	11	the	the	DET
cjfa-16353	88	12	public	public	ADJ
cjfa-16353	88	13	sector	sector	NOUN
cjfa-16353	88	14	as	as	ADV
cjfa-16353	88	15	well	well	ADV
cjfa-16353	88	16	.	.	PUNCT
cjfa-16353	89	1	moreover	moreover	ADV
cjfa-16353	89	2	,	,	PUNCT
cjfa-16353	89	3	the	the	DET
cjfa-16353	89	4	value	value	NOUN
cjfa-16353	89	5	of	of	ADP
cjfa-16353	89	6	deposits	deposit	NOUN
cjfa-16353	89	7	raised	raise	VERB
cjfa-16353	89	8	form	form	NOUN
cjfa-16353	89	9	the	the	DET
cjfa-16353	89	10	financial	financial	ADJ
cjfa-16353	89	11	sector	sector	NOUN
cjfa-16353	89	12	was	be	AUX
cjfa-16353	89	13	included	include	VERB
cjfa-16353	89	14	.	.	PUNCT
cjfa-16353	90	1	the	the	DET
cjfa-16353	90	2	ratio	ratio	NOUN
cjfa-16353	90	3	does	do	AUX
cjfa-16353	90	4	not	not	PART
cjfa-16353	90	5	include	include	VERB
cjfa-16353	90	6	the	the	DET
cjfa-16353	90	7	financial	financial	ADJ
cjfa-16353	90	8	sector	sector	NOUN
cjfa-16353	90	9	’s	’s	PART
cjfa-16353	90	10	loans	loan	NOUN
cjfa-16353	90	11	which	which	PRON
cjfa-16353	90	12	were	be	AUX
cjfa-16353	90	13	treated	treat	VERB
cjfa-16353	90	14	as	as	ADP
cjfa-16353	90	15	secondary	secondary	ADJ
cjfa-16353	90	16	investments	investment	NOUN
cjfa-16353	90	17	complimentary	complimentary	ADJ
cjfa-16353	90	18	to	to	ADP
cjfa-16353	90	19	the	the	DET
cjfa-16353	90	20	banks	bank	NOUN
cjfa-16353	90	21	’	'	PUNCT
cjfa-16353	90	22	activities	activity	NOUN
cjfa-16353	90	23	.	.	PUNCT
cjfa-16353	91	1	the	the	DET
cjfa-16353	91	2	ratios	ratio	NOUN
cjfa-16353	91	3	reflecting	reflect	VERB
cjfa-16353	91	4	levels	level	NOUN
cjfa-16353	91	5	of	of	ADP
cjfa-16353	91	6	surplus	surplus	NOUN
cjfa-16353	91	7	(	(	PUNCT
cjfa-16353	91	8	both	both	PRON
cjfa-16353	91	9	ltd	ltd	ADJ
cjfa-16353	91	10	and	and	CCONJ
cjfa-16353	91	11	ltd_2	ltd_2	NOUN
cjfa-16353	91	12	)	)	PUNCT
cjfa-16353	91	13	are	be	AUX
cjfa-16353	91	14	relative	relative	ADJ
cjfa-16353	91	15	measures	measure	NOUN
cjfa-16353	91	16	that	that	PRON
cjfa-16353	91	17	were	be	AUX
cjfa-16353	91	18	not	not	PART
cjfa-16353	91	19	standardized	standardize	VERB
cjfa-16353	91	20	.	.	PUNCT
cjfa-16353	92	1	their	their	PRON
cjfa-16353	92	2	values	value	NOUN
cjfa-16353	92	3	so	so	ADV
cjfa-16353	92	4	much	much	ADV
cjfa-16353	92	5	different	different	ADJ
cjfa-16353	92	6	from	from	ADP
cjfa-16353	92	7	one	one	NUM
cjfa-16353	92	8	will	will	AUX
cjfa-16353	92	9	prove	prove	VERB
cjfa-16353	92	10	imbalance	imbalance	NOUN
cjfa-16353	92	11	in	in	ADP
cjfa-16353	92	12	net	net	ADJ
cjfa-16353	92	13	transfers	transfer	NOUN
cjfa-16353	92	14	.	.	PUNCT
cjfa-16353	93	1	if	if	SCONJ
cjfa-16353	93	2	the	the	DET
cjfa-16353	93	3	ltd	ltd	PROPN
cjfa-16353	93	4	ratio	ratio	NOUN
cjfa-16353	93	5	(	(	PUNCT
cjfa-16353	93	6	and	and	CCONJ
cjfa-16353	93	7	ltd_2	ltd_2	NOUN
cjfa-16353	93	8	)	)	PUNCT
cjfa-16353	93	9	is	be	AUX
cjfa-16353	93	10	in	in	ADP
cjfa-16353	93	11	the	the	DET
cjfa-16353	93	12	range	range	NOUN
cjfa-16353	93	13	of	of	ADP
cjfa-16353	93	14	:	:	PUNCT
cjfa-16353	93	15	■	■	PUNCT
cjfa-16353	93	16	(	(	PUNCT
cjfa-16353	93	17	0–0,9	0–0,9	NOUN
cjfa-16353	93	18	>	>	X
cjfa-16353	93	19	–	–	PUNCT
cjfa-16353	93	20	then	then	ADV
cjfa-16353	93	21	it	it	PRON
cjfa-16353	93	22	proves	prove	VERB
cjfa-16353	93	23	the	the	DET
cjfa-16353	93	24	bank	bank	NOUN
cjfa-16353	93	25	’s	’s	PART
cjfa-16353	93	26	surplus	surplus	NOUN
cjfa-16353	93	27	orientation	orientation	NOUN
cjfa-16353	93	28	,	,	PUNCT
cjfa-16353	93	29	■	■	PUNCT
cjfa-16353	93	30	(	(	PUNCT
cjfa-16353	93	31	0,9–1,1	0,9–1,1	X
cjfa-16353	93	32	>	>	X
cjfa-16353	93	33	–	–	PUNCT
cjfa-16353	93	34	then	then	ADV
cjfa-16353	93	35	the	the	DET
cjfa-16353	93	36	bank	bank	NOUN
cjfa-16353	93	37	offsets	offset	VERB
cjfa-16353	93	38	the	the	DET
cjfa-16353	93	39	structure	structure	NOUN
cjfa-16353	93	40	of	of	ADP
cjfa-16353	93	41	financing	financing	NOUN
cjfa-16353	93	42	,	,	PUNCT
cjfa-16353	93	43	■	■	PUNCT
cjfa-16353	93	44	more	more	ADJ
cjfa-16353	93	45	than	than	ADP
cjfa-16353	93	46	1,1	1,1	NUM
cjfa-16353	93	47	–	–	PUNCT
cjfa-16353	93	48	then	then	ADV
cjfa-16353	93	49	the	the	DET
cjfa-16353	93	50	bank	bank	NOUN
cjfa-16353	93	51	is	be	AUX
cjfa-16353	93	52	deficit	deficit	NOUN
cjfa-16353	93	53	-	-	PUNCT
cjfa-16353	93	54	like	like	ADJ
cjfa-16353	93	55	.	.	PUNCT
cjfa-16353	94	1	in	in	ADP
cjfa-16353	94	2	the	the	DET
cjfa-16353	94	3	course	course	NOUN
cjfa-16353	94	4	of	of	ADP
cjfa-16353	94	5	the	the	DET
cjfa-16353	94	6	study	study	NOUN
cjfa-16353	94	7	the	the	DET
cjfa-16353	94	8	author	author	NOUN
cjfa-16353	94	9	established	establish	VERB
cjfa-16353	94	10	a	a	DET
cjfa-16353	94	11	gap	gap	NOUN
cjfa-16353	94	12	reflecting	reflect	VERB
cjfa-16353	94	13	in	in	ADP
cjfa-16353	94	14	value	value	NOUN
cjfa-16353	94	15	terms	term	NOUN
cjfa-16353	94	16	the	the	DET
cjfa-16353	94	17	scope	scope	NOUN
cjfa-16353	94	18	of	of	ADP
cjfa-16353	94	19	imbalance	imbalance	NOUN
cjfa-16353	94	20	in	in	ADP
cjfa-16353	94	21	the	the	DET
cjfa-16353	94	22	researched	researched	ADJ
cjfa-16353	94	23	group	group	NOUN
cjfa-16353	94	24	of	of	ADP
cjfa-16353	94	25	entities	entity	NOUN
cjfa-16353	94	26	.	.	PUNCT
cjfa-16353	95	1	next	next	ADP
cjfa-16353	95	2	the	the	DET
cjfa-16353	95	3	assessment	assessment	NOUN
cjfa-16353	95	4	of	of	ADP
cjfa-16353	95	5	conditions	condition	NOUN
cjfa-16353	95	6	for	for	ADP
cjfa-16353	95	7	surplus	surplus	NOUN
cjfa-16353	95	8	was	be	AUX
cjfa-16353	95	9	performed	perform	VERB
cjfa-16353	95	10	in	in	ADP
cjfa-16353	95	11	the	the	DET
cjfa-16353	95	12	researched	researched	ADJ
cjfa-16353	95	13	group	group	NOUN
cjfa-16353	95	14	of	of	ADP
cjfa-16353	95	15	banks	bank	NOUN
cjfa-16353	95	16	.	.	PUNCT
cjfa-16353	96	1	the	the	DET
cjfa-16353	96	2	assessment	assessment	NOUN
cjfa-16353	96	3	was	be	AUX
cjfa-16353	96	4	performed	perform	VERB
cjfa-16353	96	5	by	by	ADP
cjfa-16353	96	6	means	mean	NOUN
cjfa-16353	96	7	of	of	ADP
cjfa-16353	96	8	mathematical	mathematical	ADJ
cjfa-16353	96	9	models	model	NOUN
cjfa-16353	96	10	.	.	PUNCT
cjfa-16353	97	1	the	the	DET
cjfa-16353	97	2	ltd	ltd	PROPN
cjfa-16353	97	3	ratio	ratio	NOUN
cjfa-16353	97	4	was	be	AUX
cjfa-16353	97	5	adopted	adopt	VERB
cjfa-16353	97	6	as	as	ADP
cjfa-16353	97	7	an	an	DET
cjfa-16353	97	8	endogenous	endogenous	ADJ
cjfa-16353	97	9	variable	variable	NOUN
cjfa-16353	97	10	of	of	ADP
cjfa-16353	97	11	the	the	DET
cjfa-16353	97	12	model	model	NOUN
cjfa-16353	97	13	.	.	PUNCT
cjfa-16353	98	1	by	by	ADP
cjfa-16353	98	2	contrast	contrast	NOUN
cjfa-16353	98	3	the	the	DET
cjfa-16353	98	4	exogenous	exogenous	ADJ
cjfa-16353	98	5	variables	variable	NOUN
cjfa-16353	98	6	were	be	AUX
cjfa-16353	98	7	as	as	SCONJ
cjfa-16353	98	8	follows	follow	VERB
cjfa-16353	98	9	:	:	PUNCT
cjfa-16353	98	10	■	■	PUNCT
cjfa-16353	98	11	variables	variable	NOUN
cjfa-16353	98	12	describing	describe	VERB
cjfa-16353	98	13	the	the	DET
cjfa-16353	98	14	scope	scope	NOUN
cjfa-16353	98	15	of	of	ADP
cjfa-16353	98	16	the	the	DET
cjfa-16353	98	17	banks	bank	NOUN
cjfa-16353	98	18	’	'	PUNCT
cjfa-16353	98	19	activities	activity	NOUN
cjfa-16353	98	20	,	,	PUNCT
cjfa-16353	98	21	i.e.	i.e.	X
cjfa-16353	98	22	value	value	NOUN
cjfa-16353	98	23	of	of	ADP
cjfa-16353	98	24	assets	asset	NOUN
cjfa-16353	98	25	(	(	PUNCT
cjfa-16353	98	26	assets	asset	NOUN
cjfa-16353	98	27	)	)	PUNCT
cjfa-16353	98	28	,	,	PUNCT
cjfa-16353	98	29	number	number	NOUN
cjfa-16353	98	30	of	of	ADP
cjfa-16353	98	31	employees	employee	NOUN
cjfa-16353	98	32	(	(	PUNCT
cjfa-16353	98	33	employment	employment	NOUN
cjfa-16353	98	34	)	)	PUNCT
cjfa-16353	98	35	,	,	PUNCT
cjfa-16353	98	36	total	total	ADJ
cjfa-16353	98	37	sum	sum	NOUN
cjfa-16353	98	38	of	of	ADP
cjfa-16353	98	39	deposits	deposit	NOUN
cjfa-16353	98	40	(	(	PUNCT
cjfa-16353	98	41	deposit_sum	deposit_sum	PROPN
cjfa-16353	98	42	)	)	PUNCT
cjfa-16353	98	43	,	,	PUNCT
cjfa-16353	98	44	value	value	NOUN
cjfa-16353	98	45	of	of	ADP
cjfa-16353	98	46	capitals	capital	NOUN
cjfa-16353	98	47	according	accord	VERB
cjfa-16353	98	48	to	to	ADP
cjfa-16353	98	49	balance	balance	NOUN
cjfa-16353	98	50	sheet	sheet	NOUN
cjfa-16353	98	51	(	(	PUNCT
cjfa-16353	98	52	capitals	capital	NOUN
cjfa-16353	98	53	)	)	PUNCT
cjfa-16353	98	54	;	;	PUNCT
cjfa-16353	99	1	■	■	PUNCT
cjfa-16353	99	2	profitability	profitability	NOUN
cjfa-16353	99	3	measured	measure	VERB
cjfa-16353	99	4	by	by	ADP
cjfa-16353	99	5	:	:	PUNCT
cjfa-16353	99	6	net	net	ADJ
cjfa-16353	99	7	financial	financial	ADJ
cjfa-16353	99	8	result	result	NOUN
cjfa-16353	99	9	(	(	PUNCT
cjfa-16353	99	10	result	result	NOUN
cjfa-16353	99	11	)	)	PUNCT
cjfa-16353	99	12	or	or	CCONJ
cjfa-16353	99	13	returns	return	NOUN
cjfa-16353	99	14	on	on	ADP
cjfa-16353	99	15	assets	asset	NOUN
cjfa-16353	99	16	(	(	PUNCT
cjfa-16353	99	17	roa	roa	NOUN
cjfa-16353	99	18	)	)	PUNCT
cjfa-16353	99	19	;	;	PUNCT
cjfa-16353	99	20	■	■	PUNCT
cjfa-16353	99	21	safety	safety	NOUN
cjfa-16353	99	22	of	of	ADP
cjfa-16353	99	23	activity	activity	NOUN
cjfa-16353	99	24	:	:	PUNCT
cjfa-16353	99	25	capital	capital	NOUN
cjfa-16353	99	26	adequacy	adequacy	NOUN
cjfa-16353	99	27	ratio	ratio	NOUN
cjfa-16353	99	28	(	(	PUNCT
cjfa-16353	99	29	car	car	NOUN
cjfa-16353	99	30	)	)	PUNCT
cjfa-16353	99	31	,	,	PUNCT
cjfa-16353	99	32	share	share	NOUN
cjfa-16353	99	33	of	of	ADP
cjfa-16353	99	34	loans	loan	NOUN
cjfa-16353	99	35	with	with	ADP
cjfa-16353	99	36	recognized	recognize	VERB
cjfa-16353	99	37	value	value	NOUN
cjfa-16353	99	38	loss	loss	NOUN
cjfa-16353	99	39	in	in	ADP
cjfa-16353	99	40	the	the	DET
cjfa-16353	99	41	loan	loan	NOUN
cjfa-16353	99	42	portfolio	portfolio	NOUN
cjfa-16353	99	43	of	of	ADP
cjfa-16353	99	44	the	the	DET
cjfa-16353	99	45	non	non	ADJ
cjfa-16353	99	46	–	–	PUNCT
cjfa-16353	99	47	financial	financial	ADJ
cjfa-16353	99	48	sector	sector	NOUN
cjfa-16353	99	49	(	(	PUNCT
cjfa-16353	99	50	qual	qual	X
cjfa-16353	99	51	_	_	NOUN
cjfa-16353	99	52	port	port	NOUN
cjfa-16353	99	53	)	)	PUNCT
cjfa-16353	99	54	;	;	PUNCT
cjfa-16353	99	55	locality	locality	NOUN
cjfa-16353	99	56	and	and	CCONJ
cjfa-16353	99	57	the	the	DET
cjfa-16353	99	58	transfer	transfer	NOUN
cjfa-16353	99	59	of	of	ADP
cjfa-16353	99	60	funds	fund	NOUN
cjfa-16353	99	61	in	in	ADP
cjfa-16353	99	62	the	the	DET
cjfa-16353	99	63	cooperative	cooperative	ADJ
cjfa-16353	99	64	…	…	PUNCT
cjfa-16353	99	65	27	27	NUM
cjfa-16353	99	66	■	■	PUNCT
cjfa-16353	99	67	profile	profile	NOUN
cjfa-16353	99	68	of	of	ADP
cjfa-16353	99	69	activity	activity	NOUN
cjfa-16353	99	70	;	;	PUNCT
cjfa-16353	99	71	for	for	ADP
cjfa-16353	99	72	the	the	DET
cjfa-16353	99	73	research	research	NOUN
cjfa-16353	99	74	purposes	purpose	NOUN
cjfa-16353	99	75	it	it	PRON
cjfa-16353	99	76	was	be	AUX
cjfa-16353	99	77	essential	essential	ADJ
cjfa-16353	99	78	to	to	PART
cjfa-16353	99	79	identify	identify	VERB
cjfa-16353	99	80	if	if	SCONJ
cjfa-16353	99	81	the	the	DET
cjfa-16353	99	82	bank	bank	NOUN
cjfa-16353	99	83	’s	’s	PART
cjfa-16353	99	84	profile	profile	NOUN
cjfa-16353	99	85	of	of	ADP
cjfa-16353	99	86	activity	activity	NOUN
cjfa-16353	99	87	is	be	AUX
cjfa-16353	99	88	of	of	ADP
cjfa-16353	99	89	traditional	traditional	ADJ
cjfa-16353	99	90	character	character	NOUN
cjfa-16353	99	91	,	,	PUNCT
cjfa-16353	99	92	i.e.	i.e.	X
cjfa-16353	99	93	based	base	VERB
cjfa-16353	99	94	on	on	ADP
cjfa-16353	99	95	deposit	deposit	NOUN
cjfa-16353	99	96	-	-	PUNCT
cjfa-16353	99	97	loan	loan	NOUN
cjfa-16353	99	98	operations	operation	NOUN
cjfa-16353	99	99	.	.	PUNCT
cjfa-16353	100	1	the	the	DET
cjfa-16353	100	2	variables	variable	NOUN
cjfa-16353	100	3	adopted	adopt	VERB
cjfa-16353	100	4	for	for	ADP
cjfa-16353	100	5	that	that	DET
cjfa-16353	100	6	purpose	purpose	NOUN
cjfa-16353	100	7	are	be	AUX
cjfa-16353	100	8	as	as	SCONJ
cjfa-16353	100	9	follows	follow	VERB
cjfa-16353	100	10	:	:	PUNCT
cjfa-16353	100	11	significance	significance	NOUN
cjfa-16353	100	12	of	of	ADP
cjfa-16353	100	13	loans	loan	NOUN
cjfa-16353	100	14	in	in	ADP
cjfa-16353	100	15	total	total	ADJ
cjfa-16353	100	16	assets	asset	NOUN
cjfa-16353	100	17	(	(	PUNCT
cjfa-16353	100	18	sig_loan	sig_loan	NOUN
cjfa-16353	100	19	)	)	PUNCT
cjfa-16353	100	20	,	,	PUNCT
cjfa-16353	100	21	significane	significane	NOUN
cjfa-16353	100	22	of	of	ADP
cjfa-16353	100	23	deposits	deposit	NOUN
cjfa-16353	100	24	in	in	ADP
cjfa-16353	100	25	total	total	ADJ
cjfa-16353	100	26	assets	asset	NOUN
cjfa-16353	100	27	(	(	PUNCT
cjfa-16353	100	28	sig_dep	sig_dep	NOUN
cjfa-16353	100	29	)	)	PUNCT
cjfa-16353	100	30	,	,	PUNCT
cjfa-16353	100	31	significance	significance	NOUN
cjfa-16353	100	32	of	of	ADP
cjfa-16353	100	33	interest	interest	NOUN
cjfa-16353	100	34	results	result	NOUN
cjfa-16353	100	35	from	from	ADP
cjfa-16353	100	36	the	the	DET
cjfa-16353	100	37	bank	bank	NOUN
cjfa-16353	100	38	’s	’s	PART
cjfa-16353	100	39	activity	activity	NOUN
cjfa-16353	100	40	(	(	PUNCT
cjfa-16353	100	41	sig_int_res	sig_int_re	NOUN
cjfa-16353	100	42	)	)	PUNCT
cjfa-16353	100	43	.	.	PUNCT
cjfa-16353	101	1	the	the	DET
cjfa-16353	101	2	following	follow	VERB
cjfa-16353	101	3	hypotheses	hypothesis	NOUN
cjfa-16353	101	4	were	be	AUX
cjfa-16353	101	5	formulated	formulate	VERB
cjfa-16353	101	6	:	:	PUNCT
cjfa-16353	101	7	1	1	X
cjfa-16353	101	8	)	)	PUNCT
cjfa-16353	101	9	the	the	PRON
cjfa-16353	101	10	greater	great	ADJ
cjfa-16353	101	11	the	the	DET
cjfa-16353	101	12	scope	scope	NOUN
cjfa-16353	101	13	of	of	ADP
cjfa-16353	101	14	the	the	DET
cjfa-16353	101	15	banks	bank	NOUN
cjfa-16353	101	16	’	'	PUNCT
cjfa-16353	101	17	activities	activity	NOUN
cjfa-16353	101	18	,	,	PUNCT
cjfa-16353	101	19	the	the	PRON
cjfa-16353	101	20	lesser	less	ADJ
cjfa-16353	101	21	the	the	DET
cjfa-16353	101	22	misfit	misfit	NOUN
cjfa-16353	101	23	gap	gap	NOUN
cjfa-16353	101	24	in	in	ADP
cjfa-16353	101	25	terms	term	NOUN
cjfa-16353	101	26	of	of	ADP
cjfa-16353	101	27	transfers	transfer	NOUN
cjfa-16353	101	28	of	of	ADP
cjfa-16353	101	29	funds	fund	NOUN
cjfa-16353	101	30	.	.	PUNCT
cjfa-16353	102	1	larger	large	ADJ
cjfa-16353	102	2	banks	bank	NOUN
cjfa-16353	102	3	have	have	VERB
cjfa-16353	102	4	more	more	ADJ
cjfa-16353	102	5	possibilities	possibility	NOUN
cjfa-16353	102	6	as	as	SCONJ
cjfa-16353	102	7	it	it	PRON
cjfa-16353	102	8	comes	come	VERB
cjfa-16353	102	9	to	to	ADP
cjfa-16353	102	10	granting	grant	VERB
cjfa-16353	102	11	loans	loan	NOUN
cjfa-16353	102	12	(	(	PUNCT
cjfa-16353	102	13	one	one	PRON
cjfa-16353	102	14	should	should	AUX
cjfa-16353	102	15	take	take	VERB
cjfa-16353	102	16	into	into	ADP
cjfa-16353	102	17	consideration	consideration	NOUN
cjfa-16353	102	18	limits	limit	NOUN
cjfa-16353	102	19	regarding	regard	VERB
cjfa-16353	102	20	loan	loan	NOUN
cjfa-16353	102	21	involvement	involvement	NOUN
cjfa-16353	102	22	)	)	PUNCT
cjfa-16353	102	23	.	.	PUNCT
cjfa-16353	103	1	they	they	PRON
cjfa-16353	103	2	also	also	ADV
cjfa-16353	103	3	have	have	VERB
cjfa-16353	103	4	a	a	DET
cjfa-16353	103	5	larger	large	ADJ
cjfa-16353	103	6	territory	territory	NOUN
cjfa-16353	103	7	of	of	ADP
cjfa-16353	103	8	activity	activity	NOUN
cjfa-16353	103	9	,	,	PUNCT
cjfa-16353	103	10	which	which	PRON
cjfa-16353	103	11	may	may	AUX
cjfa-16353	103	12	lead	lead	VERB
cjfa-16353	103	13	to	to	ADP
cjfa-16353	103	14	more	more	ADV
cjfa-16353	103	15	effective	effective	ADJ
cjfa-16353	103	16	investing	investing	NOUN
cjfa-16353	103	17	in	in	ADP
cjfa-16353	103	18	a	a	DET
cjfa-16353	103	19	specific	specific	ADJ
cjfa-16353	103	20	area	area	NOUN
cjfa-16353	103	21	.	.	PUNCT
cjfa-16353	104	1	2	2	X
cjfa-16353	104	2	)	)	PUNCT
cjfa-16353	104	3	there	there	PRON
cjfa-16353	104	4	is	be	VERB
cjfa-16353	104	5	a	a	DET
cjfa-16353	104	6	negative	negative	ADJ
cjfa-16353	104	7	correlation	correlation	NOUN
cjfa-16353	104	8	between	between	ADP
cjfa-16353	104	9	the	the	DET
cjfa-16353	104	10	ltd	ltd	PROPN
cjfa-16353	104	11	ratio	ratio	NOUN
cjfa-16353	104	12	and	and	CCONJ
cjfa-16353	104	13	the	the	DET
cjfa-16353	104	14	safety	safety	NOUN
cjfa-16353	104	15	of	of	ADP
cjfa-16353	104	16	a	a	DET
cjfa-16353	104	17	bank	bank	NOUN
cjfa-16353	104	18	’s	’s	PART
cjfa-16353	104	19	activity	activity	NOUN
cjfa-16353	104	20	.	.	PUNCT
cjfa-16353	105	1	a	a	DET
cjfa-16353	105	2	deficit	deficit	NOUN
cjfa-16353	105	3	-	-	PUNCT
cjfa-16353	105	4	like	like	ADJ
cjfa-16353	105	5	bank	bank	NOUN
cjfa-16353	105	6	(	(	PUNCT
cjfa-16353	105	7	with	with	ADP
cjfa-16353	105	8	a	a	DET
cjfa-16353	105	9	low	low	ADJ
cjfa-16353	105	10	ltd	ltd	PROPN
cjfa-16353	105	11	ratio	ratio	NOUN
cjfa-16353	105	12	)	)	PUNCT
cjfa-16353	105	13	limits	limit	VERB
cjfa-16353	105	14	its	its	PRON
cjfa-16353	105	15	lending	lending	NOUN
cjfa-16353	105	16	operations	operation	NOUN
cjfa-16353	105	17	by	by	ADP
cjfa-16353	105	18	not	not	PART
cjfa-16353	105	19	granting	grant	VERB
cjfa-16353	105	20	finances	finance	NOUN
cjfa-16353	105	21	to	to	ADP
cjfa-16353	105	22	the	the	DET
cjfa-16353	105	23	riskiest	risky	ADJ
cjfa-16353	105	24	prospective	prospective	ADJ
cjfa-16353	105	25	clients	client	NOUN
cjfa-16353	105	26	,	,	PUNCT
cjfa-16353	105	27	which	which	PRON
cjfa-16353	105	28	increases	increase	VERB
cjfa-16353	105	29	its	its	PRON
cjfa-16353	105	30	safety	safety	NOUN
cjfa-16353	105	31	.	.	PUNCT
cjfa-16353	106	1	3	3	X
cjfa-16353	106	2	)	)	PUNCT
cjfa-16353	106	3	a	a	DET
cjfa-16353	106	4	traditional	traditional	ADJ
cjfa-16353	106	5	profile	profile	NOUN
cjfa-16353	106	6	of	of	ADP
cjfa-16353	106	7	a	a	DET
cjfa-16353	106	8	bank	bank	NOUN
cjfa-16353	106	9	’s	’s	PART
cjfa-16353	106	10	activity	activity	NOUN
cjfa-16353	106	11	is	be	AUX
cjfa-16353	106	12	related	relate	VERB
cjfa-16353	106	13	to	to	ADP
cjfa-16353	106	14	locality	locality	NOUN
cjfa-16353	106	15	principle	principle	NOUN
cjfa-16353	106	16	.	.	PUNCT
cjfa-16353	107	1	yet	yet	CCONJ
cjfa-16353	107	2	an	an	DET
cjfa-16353	107	3	increase	increase	NOUN
cjfa-16353	107	4	in	in	ADP
cjfa-16353	107	5	significance	significance	NOUN
cjfa-16353	107	6	of	of	ADP
cjfa-16353	107	7	a	a	DET
cjfa-16353	107	8	bank	bank	NOUN
cjfa-16353	107	9	’s	’s	PART
cjfa-16353	107	10	deposit	deposit	NOUN
cjfa-16353	107	11	activity	activity	NOUN
cjfa-16353	107	12	in	in	ADP
cjfa-16353	107	13	the	the	DET
cjfa-16353	107	14	structure	structure	NOUN
cjfa-16353	107	15	of	of	ADP
cjfa-16353	107	16	financing	finance	VERB
cjfa-16353	107	17	a	a	DET
cjfa-16353	107	18	bank	bank	NOUN
cjfa-16353	107	19	leads	lead	VERB
cjfa-16353	107	20	to	to	ADP
cjfa-16353	107	21	a	a	DET
cjfa-16353	107	22	greater	great	ADJ
cjfa-16353	107	23	misfit	misfit	NOUN
cjfa-16353	107	24	of	of	ADP
cjfa-16353	107	25	the	the	DET
cjfa-16353	107	26	financing	financing	NOUN
cjfa-16353	107	27	structure	structure	NOUN
cjfa-16353	107	28	.	.	PUNCT
cjfa-16353	108	1	and	and	CCONJ
cjfa-16353	108	2	vice	vice	ADV
cjfa-16353	108	3	versa	versa	ADV
cjfa-16353	108	4	,	,	PUNCT
cjfa-16353	108	5	an	an	DET
cjfa-16353	108	6	increase	increase	NOUN
cjfa-16353	108	7	in	in	ADP
cjfa-16353	108	8	significance	significance	NOUN
cjfa-16353	108	9	of	of	ADP
cjfa-16353	108	10	lending	lending	NOUN
cjfa-16353	108	11	activities	activity	NOUN
cjfa-16353	108	12	in	in	ADP
cjfa-16353	108	13	the	the	DET
cjfa-16353	108	14	structure	structure	NOUN
cjfa-16353	108	15	of	of	ADP
cjfa-16353	108	16	assets	asset	NOUN
cjfa-16353	108	17	may	may	AUX
cjfa-16353	108	18	contribute	contribute	VERB
cjfa-16353	108	19	to	to	ADP
cjfa-16353	108	20	surplus	surplus	ADJ
cjfa-16353	108	21	limitations	limitation	NOUN
cjfa-16353	108	22	.	.	PUNCT
cjfa-16353	109	1	the	the	DET
cjfa-16353	109	2	outcome	outcome	NOUN
cjfa-16353	109	3	of	of	ADP
cjfa-16353	109	4	the	the	DET
cjfa-16353	109	5	research	research	NOUN
cjfa-16353	109	6	process	process	NOUN
cjfa-16353	109	7	in	in	ADP
cjfa-16353	109	8	the	the	DET
cjfa-16353	109	9	course	course	NOUN
cjfa-16353	109	10	of	of	ADP
cjfa-16353	109	11	the	the	DET
cjfa-16353	109	12	analysis	analysis	NOUN
cjfa-16353	109	13	of	of	ADP
cjfa-16353	109	14	data	datum	NOUN
cjfa-16353	109	15	encompassing	encompass	VERB
cjfa-16353	109	16	1950	1950	NUM
cjfa-16353	109	17	observations	observation	NOUN
cjfa-16353	109	18	for	for	ADP
cjfa-16353	109	19	each	each	DET
cjfa-16353	109	20	variable	variable	NOUN
cjfa-16353	109	21	,	,	PUNCT
cjfa-16353	109	22	the	the	DET
cjfa-16353	109	23	author	author	NOUN
cjfa-16353	109	24	established	establish	VERB
cjfa-16353	109	25	basic	basic	ADJ
cjfa-16353	109	26	descriptive	descriptive	ADJ
cjfa-16353	109	27	features	feature	NOUN
cjfa-16353	109	28	for	for	ADP
cjfa-16353	109	29	the	the	DET
cjfa-16353	109	30	samplings	sampling	NOUN
cjfa-16353	109	31	of	of	ADP
cjfa-16353	109	32	the	the	DET
cjfa-16353	109	33	groups	group	NOUN
cjfa-16353	109	34	of	of	ADP
cjfa-16353	109	35	banks	bank	NOUN
cjfa-16353	109	36	,	,	PUNCT
cjfa-16353	109	37	both	both	DET
cjfa-16353	109	38	measures	measure	NOUN
cjfa-16353	109	39	of	of	ADP
cjfa-16353	109	40	central	central	ADJ
cjfa-16353	109	41	tendency	tendency	NOUN
cjfa-16353	109	42	and	and	CCONJ
cjfa-16353	109	43	dispersion	dispersion	NOUN
cjfa-16353	109	44	(	(	PUNCT
cjfa-16353	109	45	table	table	NOUN
cjfa-16353	109	46	1	1	NUM
cjfa-16353	109	47	)	)	PUNCT
cjfa-16353	109	48	.	.	PUNCT
cjfa-16353	110	1	table	table	NOUN
cjfa-16353	110	2	1	1	NUM
cjfa-16353	110	3	.	.	PUNCT
cjfa-16353	111	1	variables	variable	NOUN
cjfa-16353	111	2	describing	describe	VERB
cjfa-16353	111	3	the	the	DET
cjfa-16353	111	4	researched	researched	ADJ
cjfa-16353	111	5	group	group	NOUN
cjfa-16353	111	6	of	of	ADP
cjfa-16353	111	7	cooperative	cooperative	ADJ
cjfa-16353	111	8	banks	bank	NOUN
cjfa-16353	111	9	variable	variable	ADJ
cjfa-16353	111	10	assets	asset	NOUN
cjfa-16353	111	11	[	[	X
cjfa-16353	111	12	thous	thous	ADJ
cjfa-16353	111	13	.	.	PUNCT
cjfa-16353	112	1	pln	pln	PROPN
cjfa-16353	112	2	]	]	PUNCT
cjfa-16353	112	3	employment	employment	NOUN
cjfa-16353	112	4	deposits	deposit	NOUN
cjfa-16353	112	5	[	[	X
cjfa-16353	112	6	thous	thous	ADJ
cjfa-16353	112	7	.	.	PUNCT
cjfa-16353	113	1	pln	pln	PROPN
cjfa-16353	113	2	]	]	PUNCT
cjfa-16353	113	3	capitals	capital	NOUN
cjfa-16353	113	4	[	[	X
cjfa-16353	113	5	thous	thous	NOUN
cjfa-16353	113	6	.	.	PUNCT
cjfa-16353	114	1	pln	pln	PROPN
cjfa-16353	114	2	financial	financial	PROPN
cjfa-16353	114	3	result	result	NOUN
cjfa-16353	114	4	[	[	AUX
cjfa-16353	114	5	thous	thous	X
cjfa-16353	114	6	.	.	PUNCT
cjfa-16353	115	1	pln	pln	PROPN
cjfa-16353	115	2	]	]	X
cjfa-16353	115	3	roa	roa	PROPN
cjfa-16353	116	1	[	[	X
cjfa-16353	116	2	%	%	X
cjfa-16353	116	3	]	]	X
cjfa-16353	116	4	capital	capital	NOUN
cjfa-16353	116	5	adequacy	adequacy	NOUN
cjfa-16353	116	6	ratio	ratio	NOUN
cjfa-16353	117	1	[	[	X
cjfa-16353	117	2	%	%	X
cjfa-16353	117	3	]	]	X
cjfa-16353	117	4	mean	mean	NOUN
cjfa-16353	117	5	181	181	NUM
cjfa-16353	117	6	674.0	674.0	NUM
cjfa-16353	117	7	70.2	70.2	NUM
cjfa-16353	117	8	155	155	NUM
cjfa-16353	117	9	483.0	483.0	NUM
cjfa-16353	117	10	18	18	NUM
cjfa-16353	117	11	194.5	194.5	NUM
cjfa-16353	117	12	1	1	NUM
cjfa-16353	117	13	114.4	114.4	NUM
cjfa-16353	117	14	0.66	0.66	NUM
cjfa-16353	117	15	15.4	15.4	NUM
cjfa-16353	117	16	median	median	NOUN
cjfa-16353	117	17	134	134	NUM
cjfa-16353	117	18	756.0	756.0	NUM
cjfa-16353	117	19	54.0	54.0	NUM
cjfa-16353	117	20	116	116	NUM
cjfa-16353	117	21	793.0	793.0	NUM
cjfa-16353	117	22	13	13	NUM
cjfa-16353	117	23	507.6	507.6	NUM
cjfa-16353	117	24	706.3	706.3	NUM
cjfa-16353	117	25	0.56	0.56	NUM
cjfa-16353	117	26	14.2	14.2	NUM
cjfa-16353	117	27	maria	maria	PROPN
cjfa-16353	117	28	magdalena	magdalena	PROPN
cjfa-16353	117	29	golec28	golec28	VERB
cjfa-16353	117	30	variable	variable	ADJ
cjfa-16353	117	31	assets	asset	NOUN
cjfa-16353	117	32	[	[	X
cjfa-16353	117	33	thous	thous	ADJ
cjfa-16353	117	34	.	.	PUNCT
cjfa-16353	118	1	pln	pln	PROPN
cjfa-16353	118	2	]	]	PUNCT
cjfa-16353	118	3	employment	employment	NOUN
cjfa-16353	118	4	deposits	deposit	NOUN
cjfa-16353	118	5	[	[	X
cjfa-16353	118	6	thous	thous	ADJ
cjfa-16353	118	7	.	.	PUNCT
cjfa-16353	119	1	pln	pln	PROPN
cjfa-16353	119	2	]	]	PUNCT
cjfa-16353	119	3	capitals	capital	NOUN
cjfa-16353	119	4	[	[	X
cjfa-16353	119	5	thous	thous	NOUN
cjfa-16353	119	6	.	.	PUNCT
cjfa-16353	120	1	pln	pln	PROPN
cjfa-16353	120	2	financial	financial	PROPN
cjfa-16353	120	3	result	result	NOUN
cjfa-16353	120	4	[	[	AUX
cjfa-16353	120	5	thous	thous	X
cjfa-16353	120	6	.	.	PUNCT
cjfa-16353	121	1	pln	pln	PROPN
cjfa-16353	121	2	]	]	X
cjfa-16353	121	3	roa	roa	PROPN
cjfa-16353	122	1	[	[	X
cjfa-16353	122	2	%	%	X
cjfa-16353	122	3	]	]	X
cjfa-16353	122	4	capital	capital	NOUN
cjfa-16353	122	5	adequacy	adequacy	NOUN
cjfa-16353	122	6	ratio	ratio	NOUN
cjfa-16353	122	7	[	[	X
cjfa-16353	122	8	%	%	X
cjfa-16353	122	9	]	]	X
cjfa-16353	122	10	standard	standard	ADJ
cjfa-16353	122	11	deviation	deviation	NOUN
cjfa-16353	122	12	162	162	NUM
cjfa-16353	122	13	323.0	323.0	NUM
cjfa-16353	122	14	49.8	49.8	NUM
cjfa-16353	122	15	140	140	NUM
cjfa-16353	122	16	148.0	148.0	NUM
cjfa-16353	122	17	13	13	NUM
cjfa-16353	122	18	461.0	461.0	NUM
cjfa-16353	122	19	1	1	NUM
cjfa-16353	122	20	241.2	241.2	NUM
cjfa-16353	122	21	0.46	0.46	NUM
cjfa-16353	122	22	4.7	4.7	NUM
cjfa-16353	122	23	coefficient	coefficient	NOUN
cjfa-16353	122	24	of	of	ADP
cjfa-16353	122	25	variation	variation	NOUN
cjfa-16353	122	26	0.9	0.9	NUM
cjfa-16353	122	27	0.7	0.7	NUM
cjfa-16353	122	28	0.9	0.9	NUM
cjfa-16353	122	29	0.7	0.7	NUM
cjfa-16353	122	30	1.1	1.1	NUM
cjfa-16353	122	31	0.69	0.69	NUM
cjfa-16353	122	32	0.3	0.3	NUM
cjfa-16353	122	33	skewness	skewness	NOUN
cjfa-16353	122	34	2.4	2.4	NUM
cjfa-16353	122	35	2.2	2.2	NUM
cjfa-16353	122	36	2.4	2.4	NUM
cjfa-16353	122	37	1.9	1.9	NUM
cjfa-16353	122	38	2.8	2.8	NUM
cjfa-16353	122	39	1.31	1.31	NUM
cjfa-16353	122	40	1.6	1.6	NUM
cjfa-16353	122	41	kurtosis	kurtosis	NOUN
cjfa-16353	122	42	6.5	6.5	NUM
cjfa-16353	122	43	6.2	6.2	NUM
cjfa-16353	122	44	6.3	6.3	NUM
cjfa-16353	122	45	4.5	4.5	NUM
cjfa-16353	122	46	10.3	10.3	NUM
cjfa-16353	122	47	2.26	2.26	NUM
cjfa-16353	122	48	3.8	3.8	NUM
cjfa-16353	122	49	percentile	percentile	NOUN
cjfa-16353	122	50	5	5	NUM
cjfa-16353	122	51	%	%	NOUN
cjfa-16353	122	52	47	47	NUM
cjfa-16353	122	53	954.0	954.0	NUM
cjfa-16353	122	54	23.0	23.0	NUM
cjfa-16353	122	55	38	38	NUM
cjfa-16353	122	56	478.0	478.0	NUM
cjfa-16353	122	57	6	6	NUM
cjfa-16353	122	58	305.5	305.5	NUM
cjfa-16353	122	59	150.4	150.4	NUM
cjfa-16353	122	60	0.14	0.14	NUM
cjfa-16353	122	61	10.3	10.3	NUM
cjfa-16353	122	62	percentile	percentile	NOUN
cjfa-16353	122	63	95	95	NUM
cjfa-16353	122	64	%	%	NOUN
cjfa-16353	122	65	561	561	NUM
cjfa-16353	122	66	195.0	195.0	NUM
cjfa-16353	122	67	169.5	169.5	NUM
cjfa-16353	122	68	489	489	NUM
cjfa-16353	122	69	349.0	349.0	NUM
cjfa-16353	122	70	47	47	NUM
cjfa-16353	122	71	649.1	649.1	NUM
cjfa-16353	122	72	3	3	NUM
cjfa-16353	122	73	670.5	670.5	NUM
cjfa-16353	122	74	1.53	1.53	NUM
cjfa-16353	122	75	24.4	24.4	NUM
cjfa-16353	122	76	range	range	NOUN
cjfa-16353	122	77	q3	q3	NOUN
cjfa-16353	122	78	-	-	PUNCT
cjfa-16353	122	79	q1	q1	NOUN
cjfa-16353	122	80	131	131	NUM
cjfa-16353	122	81	922.0	922.0	NUM
cjfa-16353	122	82	49.0	49.0	NUM
cjfa-16353	122	83	116	116	NUM
cjfa-16353	122	84	117.0	117.0	NUM
cjfa-16353	122	85	13	13	NUM
cjfa-16353	122	86	644.4	644.4	NUM
cjfa-16353	122	87	994.7	994.7	NUM
cjfa-16353	122	88	0.60	0.60	NUM
cjfa-16353	122	89	5.1	5.1	NUM
cjfa-16353	122	90	s	s	NOUN
cjfa-16353	122	91	o	o	NOUN
cjfa-16353	122	92	u	u	NOUN
cjfa-16353	122	93	r	r	NOUN
cjfa-16353	122	94	c	c	NOUN
cjfa-16353	122	95	e	e	NOUN
cjfa-16353	122	96	:	:	PUNCT
cjfa-16353	122	97	own	own	ADJ
cjfa-16353	122	98	calculations	calculation	NOUN
cjfa-16353	122	99	.	.	PUNCT
cjfa-16353	123	1	by	by	ADP
cjfa-16353	123	2	looking	look	VERB
cjfa-16353	123	3	at	at	ADP
cjfa-16353	123	4	the	the	DET
cjfa-16353	123	5	arithmetic	arithmetic	ADJ
cjfa-16353	123	6	mean	mean	NOUN
cjfa-16353	123	7	and	and	CCONJ
cjfa-16353	123	8	median	median	ADJ
cjfa-16353	123	9	one	one	PRON
cjfa-16353	123	10	can	can	AUX
cjfa-16353	123	11	notice	notice	VERB
cjfa-16353	123	12	that	that	SCONJ
cjfa-16353	123	13	the	the	DET
cjfa-16353	123	14	group	group	NOUN
cjfa-16353	123	15	of	of	ADP
cjfa-16353	123	16	banks	bank	NOUN
cjfa-16353	123	17	in	in	ADP
cjfa-16353	123	18	the	the	DET
cjfa-16353	123	19	study	study	NOUN
cjfa-16353	123	20	is	be	AUX
cjfa-16353	123	21	made	make	VERB
cjfa-16353	123	22	up	up	ADP
cjfa-16353	123	23	of	of	ADP
cjfa-16353	123	24	cooperative	cooperative	ADJ
cjfa-16353	123	25	institutions	institution	NOUN
cjfa-16353	123	26	of	of	ADP
cjfa-16353	123	27	average	average	ADJ
cjfa-16353	123	28	size	size	NOUN
cjfa-16353	123	29	with	with	ADP
cjfa-16353	123	30	assets	asset	NOUN
cjfa-16353	123	31	up	up	ADP
cjfa-16353	123	32	to	to	ADP
cjfa-16353	123	33	pln	pln	PROPN
cjfa-16353	123	34	200	200	NUM
cjfa-16353	123	35	m	m	NOUN
cjfa-16353	123	36	and	and	CCONJ
cjfa-16353	123	37	with	with	ADP
cjfa-16353	123	38	several	several	ADJ
cjfa-16353	123	39	dozen	dozen	NOUN
cjfa-16353	123	40	employees	employee	NOUN
cjfa-16353	123	41	.	.	PUNCT
cjfa-16353	124	1	however	however	ADV
cjfa-16353	124	2	,	,	PUNCT
cjfa-16353	124	3	it	it	PRON
cjfa-16353	124	4	is	be	AUX
cjfa-16353	124	5	worth	worth	ADJ
cjfa-16353	124	6	noticing	notice	VERB
cjfa-16353	124	7	that	that	SCONJ
cjfa-16353	124	8	there	there	PRON
cjfa-16353	124	9	is	be	VERB
cjfa-16353	124	10	a	a	DET
cjfa-16353	124	11	significant	significant	ADJ
cjfa-16353	124	12	variation	variation	NOUN
cjfa-16353	124	13	of	of	ADP
cjfa-16353	124	14	the	the	DET
cjfa-16353	124	15	banks	bank	NOUN
cjfa-16353	124	16	under	under	ADP
cjfa-16353	124	17	examination	examination	NOUN
cjfa-16353	124	18	.	.	PUNCT
cjfa-16353	125	1	the	the	DET
cjfa-16353	125	2	variation	variation	NOUN
cjfa-16353	125	3	ratios	ratio	NOUN
cjfa-16353	125	4	for	for	ADP
cjfa-16353	125	5	balance	balance	NOUN
cjfa-16353	125	6	values	value	NOUN
cjfa-16353	125	7	and	and	CCONJ
cjfa-16353	125	8	financial	financial	ADJ
cjfa-16353	125	9	result	result	NOUN
cjfa-16353	125	10	values	value	NOUN
cjfa-16353	125	11	range	range	VERB
cjfa-16353	125	12	from	from	ADP
cjfa-16353	125	13	70	70	NUM
cjfa-16353	125	14	%	%	NOUN
cjfa-16353	125	15	to	to	ADP
cjfa-16353	125	16	110	110	NUM
cjfa-16353	125	17	%	%	NOUN
cjfa-16353	125	18	(	(	PUNCT
cjfa-16353	125	19	a	a	DET
cjfa-16353	125	20	lower	low	ADJ
cjfa-16353	125	21	value	value	NOUN
cjfa-16353	125	22	of	of	ADP
cjfa-16353	125	23	the	the	DET
cjfa-16353	125	24	variation	variation	NOUN
cjfa-16353	125	25	ratio	ratio	NOUN
cjfa-16353	125	26	applies	apply	VERB
cjfa-16353	125	27	only	only	ADV
cjfa-16353	125	28	to	to	ADP
cjfa-16353	125	29	the	the	DET
cjfa-16353	125	30	capital	capital	NOUN
cjfa-16353	125	31	adequacy	adequacy	NOUN
cjfa-16353	125	32	ratio	ratio	NOUN
cjfa-16353	125	33	)	)	PUNCT
cjfa-16353	125	34	.	.	PUNCT
cjfa-16353	126	1	moreover	moreover	ADV
cjfa-16353	126	2	,	,	PUNCT
cjfa-16353	126	3	the	the	DET
cjfa-16353	126	4	skewness	skewness	NOUN
cjfa-16353	126	5	ratios	ratio	NOUN
cjfa-16353	126	6	indicate	indicate	VERB
cjfa-16353	126	7	a	a	DET
cjfa-16353	126	8	right	right	ADV
cjfa-16353	126	9	-	-	PUNCT
cjfa-16353	126	10	tailed	tail	VERB
cjfa-16353	126	11	asymmetry	asymmetry	NOUN
cjfa-16353	126	12	of	of	ADP
cjfa-16353	126	13	distribution	distribution	NOUN
cjfa-16353	126	14	,	,	PUNCT
cjfa-16353	126	15	thus	thus	ADV
cjfa-16353	126	16	significant	significant	ADJ
cjfa-16353	126	17	value	value	NOUN
cjfa-16353	126	18	dispersion	dispersion	NOUN
cjfa-16353	126	19	above	above	ADP
cjfa-16353	126	20	the	the	DET
cjfa-16353	126	21	mean	mean	NOUN
cjfa-16353	126	22	and	and	CCONJ
cjfa-16353	126	23	concentration	concentration	NOUN
cjfa-16353	126	24	of	of	ADP
cjfa-16353	126	25	the	the	DET
cjfa-16353	126	26	small	small	ADJ
cjfa-16353	126	27	ones	one	NOUN
cjfa-16353	126	28	,	,	PUNCT
cjfa-16353	126	29	the	the	DET
cjfa-16353	126	30	proof	proof	NOUN
cjfa-16353	126	31	of	of	ADP
cjfa-16353	126	32	which	which	PRON
cjfa-16353	126	33	also	also	ADV
cjfa-16353	126	34	lies	lie	VERB
cjfa-16353	126	35	in	in	ADP
cjfa-16353	126	36	the	the	DET
cjfa-16353	126	37	means	mean	NOUN
cjfa-16353	126	38	being	be	AUX
cjfa-16353	126	39	higher	high	ADJ
cjfa-16353	126	40	than	than	ADP
cjfa-16353	126	41	the	the	DET
cjfa-16353	126	42	medians	median	NOUN
cjfa-16353	126	43	.	.	PUNCT
cjfa-16353	127	1	table	table	NOUN
cjfa-16353	127	2	2	2	NUM
cjfa-16353	127	3	.	.	PUNCT
cjfa-16353	127	4	surplus	surplus	NOUN
cjfa-16353	127	5	characteristics	characteristic	NOUN
cjfa-16353	127	6	in	in	ADP
cjfa-16353	127	7	the	the	DET
cjfa-16353	127	8	researched	researched	ADJ
cjfa-16353	127	9	group	group	NOUN
cjfa-16353	127	10	of	of	ADP
cjfa-16353	127	11	cooperative	cooperative	ADJ
cjfa-16353	127	12	banks	bank	NOUN
cjfa-16353	127	13	variable	variable	PROPN
cjfa-16353	127	14	ltd	ltd	PROPN
cjfa-16353	128	1	ltd_2	ltd_2	NOUN
cjfa-16353	128	2	gap	gap	NOUN
cjfa-16353	129	1	[	[	X
cjfa-16353	129	2	thous	thous	ADJ
cjfa-16353	129	3	.	.	PUNCT
cjfa-16353	130	1	pln	pln	PROPN
cjfa-16353	130	2	]	]	X
cjfa-16353	130	3	mean	mean	VERB
cjfa-16353	130	4	0.73	0.73	NUM
cjfa-16353	130	5	0.71	0.71	NUM
cjfa-16353	130	6	36	36	NUM
cjfa-16353	130	7	719.1	719.1	NUM
cjfa-16353	130	8	median	median	NOUN
cjfa-16353	130	9	0.72	0.72	NUM
cjfa-16353	130	10	0.70	0.70	NUM
cjfa-16353	130	11	27	27	NUM
cjfa-16353	130	12	506.0	506.0	NUM
cjfa-16353	130	13	standard	standard	ADJ
cjfa-16353	130	14	deviation	deviation	NOUN
cjfa-16353	130	15	0.23	0.23	NUM
cjfa-16353	130	16	0.20	0.20	NUM
cjfa-16353	130	17	38	38	NUM
cjfa-16353	130	18	880.5	880.5	NUM
cjfa-16353	130	19	coefficient	coefficient	NOUN
cjfa-16353	130	20	of	of	ADP
cjfa-16353	130	21	variation	variation	NOUN
cjfa-16353	130	22	0.31	0.31	NUM
cjfa-16353	130	23	0.28	0.28	NUM
cjfa-16353	130	24	1.06	1.06	NUM
cjfa-16353	130	25	skewness	skewness	NOUN
cjfa-16353	130	26	1.59	1.59	NUM
cjfa-16353	130	27	1.99	1.99	NUM
cjfa-16353	130	28	1.90	1.90	NUM
cjfa-16353	130	29	percentile	percentile	ADJ
cjfa-16353	130	30	5	5	NUM
cjfa-16353	130	31	%	%	NOUN
cjfa-16353	130	32	0.43	0.43	NUM
cjfa-16353	130	33	0.47	0.47	NUM
cjfa-16353	131	1	-6	-6	PROPN
cjfa-16353	131	2	831.6	831.6	NUM
cjfa-16353	131	3	table	table	NOUN
cjfa-16353	131	4	1	1	NUM
cjfa-16353	131	5	.	.	PUNCT
cjfa-16353	132	1	variables	variable	NOUN
cjfa-16353	132	2	describing	describe	VERB
cjfa-16353	132	3	the	the	DET
cjfa-16353	132	4	researched	researched	ADJ
cjfa-16353	132	5	group	group	NOUN
cjfa-16353	132	6	of	of	ADP
cjfa-16353	132	7	cooperative	cooperative	ADJ
cjfa-16353	132	8	banks	bank	NOUN
cjfa-16353	132	9	locality	locality	NOUN
cjfa-16353	132	10	and	and	CCONJ
cjfa-16353	132	11	the	the	DET
cjfa-16353	132	12	transfer	transfer	NOUN
cjfa-16353	132	13	of	of	ADP
cjfa-16353	132	14	funds	fund	NOUN
cjfa-16353	132	15	in	in	ADP
cjfa-16353	132	16	the	the	DET
cjfa-16353	132	17	cooperative	cooperative	ADJ
cjfa-16353	132	18	…	…	NUM
cjfa-16353	132	19	29	29	NUM
cjfa-16353	132	20	variable	variable	PROPN
cjfa-16353	132	21	ltd	ltd	PROPN
cjfa-16353	132	22	ltd_2	ltd_2	NOUN
cjfa-16353	132	23	gap	gap	NOUN
cjfa-16353	133	1	[	[	X
cjfa-16353	133	2	thous	thous	ADJ
cjfa-16353	133	3	.	.	PUNCT
cjfa-16353	134	1	pln	pln	PROPN
cjfa-16353	134	2	]	]	PUNCT
cjfa-16353	134	3	percentile	percentile	ADJ
cjfa-16353	134	4	95	95	NUM
cjfa-16353	134	5	%	%	NOUN
cjfa-16353	134	6	1.08	1.08	NUM
cjfa-16353	134	7	1.00	1.00	NUM
cjfa-16353	134	8	104	104	NUM
cjfa-16353	134	9	156.0	156.0	NUM
cjfa-16353	134	10	range	range	NOUN
cjfa-16353	134	11	q3	q3	PROPN
cjfa-16353	134	12	-	-	PUNCT
cjfa-16353	134	13	q1	q1	NOUN
cjfa-16353	134	14	0.27	0.27	NUM
cjfa-16353	134	15	0.23	0.23	NUM
cjfa-16353	134	16	41	41	NUM
cjfa-16353	134	17	485.8	485.8	NUM
cjfa-16353	134	18	s	s	NOUN
cjfa-16353	134	19	o	o	X
cjfa-16353	134	20	u	u	NOUN
cjfa-16353	134	21	r	r	NOUN
cjfa-16353	134	22	c	c	NOUN
cjfa-16353	134	23	e	e	NOUN
cjfa-16353	134	24	:	:	PUNCT
cjfa-16353	134	25	own	own	ADJ
cjfa-16353	134	26	calculations	calculation	NOUN
cjfa-16353	134	27	.	.	PUNCT
cjfa-16353	135	1	both	both	PRON
cjfa-16353	135	2	of	of	ADP
cjfa-16353	135	3	the	the	DET
cjfa-16353	135	4	surplus	surplus	ADJ
cjfa-16353	135	5	ratios	ratio	NOUN
cjfa-16353	135	6	(	(	PUNCT
cjfa-16353	135	7	ltd	ltd	ADJ
cjfa-16353	135	8	and	and	CCONJ
cjfa-16353	135	9	ltd_2	ltd_2	NOUN
cjfa-16353	135	10	)	)	PUNCT
cjfa-16353	135	11	,	,	PUNCT
cjfa-16353	135	12	illustrate	illustrate	VERB
cjfa-16353	135	13	surplus	surplus	NOUN
cjfa-16353	135	14	tendency	tendency	NOUN
cjfa-16353	135	15	of	of	ADP
cjfa-16353	135	16	the	the	DET
cjfa-16353	135	17	researched	research	VERB
cjfa-16353	135	18	banks	bank	NOUN
cjfa-16353	135	19	.	.	PUNCT
cjfa-16353	136	1	their	their	PRON
cjfa-16353	136	2	means	mean	NOUN
cjfa-16353	136	3	are	be	AUX
cjfa-16353	136	4	quite	quite	ADV
cjfa-16353	136	5	approximate	approximate	ADJ
cjfa-16353	136	6	and	and	CCONJ
cjfa-16353	136	7	stand	stand	VERB
cjfa-16353	136	8	at	at	ADP
cjfa-16353	136	9	0.7	0.7	NUM
cjfa-16353	136	10	.	.	PUNCT
cjfa-16353	137	1	a	a	DET
cjfa-16353	137	2	bit	bit	NOUN
cjfa-16353	137	3	lower	low	ADJ
cjfa-16353	137	4	ltd_2	ltd_2	NOUN
cjfa-16353	137	5	ratios	ratio	NOUN
cjfa-16353	137	6	are	be	AUX
cjfa-16353	137	7	justified	justify	VERB
cjfa-16353	137	8	because	because	SCONJ
cjfa-16353	137	9	of	of	ADP
cjfa-16353	137	10	the	the	DET
cjfa-16353	137	11	very	very	ADJ
cjfa-16353	137	12	construction	construction	NOUN
cjfa-16353	137	13	of	of	ADP
cjfa-16353	137	14	the	the	DET
cjfa-16353	137	15	ratio	ratio	NOUN
cjfa-16353	137	16	.	.	PUNCT
cjfa-16353	138	1	it	it	PRON
cjfa-16353	138	2	is	be	AUX
cjfa-16353	138	3	also	also	ADV
cjfa-16353	138	4	worth	worth	ADJ
cjfa-16353	138	5	emphasizing	emphasize	VERB
cjfa-16353	138	6	that	that	SCONJ
cjfa-16353	138	7	there	there	PRON
cjfa-16353	138	8	is	be	VERB
cjfa-16353	138	9	much	much	ADV
cjfa-16353	138	10	lower	low	ADJ
cjfa-16353	138	11	variation	variation	NOUN
cjfa-16353	138	12	in	in	ADP
cjfa-16353	138	13	the	the	DET
cjfa-16353	138	14	specified	specified	ADJ
cjfa-16353	138	15	categories	category	NOUN
cjfa-16353	138	16	as	as	ADP
cjfa-16353	138	17	compared	compare	VERB
cjfa-16353	138	18	to	to	ADP
cjfa-16353	138	19	the	the	DET
cjfa-16353	138	20	balance	balance	NOUN
cjfa-16353	138	21	characteristics	characteristic	NOUN
cjfa-16353	138	22	.	.	PUNCT
cjfa-16353	139	1	for	for	ADP
cjfa-16353	139	2	the	the	DET
cjfa-16353	139	3	ltd	ltd	PROPN
cjfa-16353	139	4	ratio	ratio	NOUN
cjfa-16353	139	5	the	the	DET
cjfa-16353	139	6	values	value	NOUN
cjfa-16353	139	7	on	on	ADP
cjfa-16353	139	8	the	the	DET
cjfa-16353	139	9	average	average	ADJ
cjfa-16353	139	10	deviate	deviate	NOUN
cjfa-16353	139	11	from	from	ADP
cjfa-16353	139	12	the	the	DET
cjfa-16353	139	13	variable	variable	NOUN
cjfa-16353	139	14	by	by	ADP
cjfa-16353	139	15	0.23	0.23	NUM
cjfa-16353	139	16	,	,	PUNCT
cjfa-16353	139	17	whereas	whereas	SCONJ
cjfa-16353	139	18	the	the	DET
cjfa-16353	139	19	variation	variation	NOUN
cjfa-16353	139	20	is	be	AUX
cjfa-16353	139	21	average	average	ADJ
cjfa-16353	139	22	(	(	PUNCT
cjfa-16353	139	23	around	around	ADV
cjfa-16353	139	24	30	30	NUM
cjfa-16353	139	25	%	%	NOUN
cjfa-16353	139	26	)	)	PUNCT
cjfa-16353	139	27	.	.	PUNCT
cjfa-16353	140	1	the	the	DET
cjfa-16353	140	2	skewness	skewness	NOUN
cjfa-16353	140	3	of	of	ADP
cjfa-16353	140	4	dispersion	dispersion	NOUN
cjfa-16353	140	5	is	be	AUX
cjfa-16353	140	6	also	also	ADV
cjfa-16353	140	7	lower	low	ADJ
cjfa-16353	140	8	,	,	PUNCT
cjfa-16353	140	9	yet	yet	CCONJ
cjfa-16353	140	10	it	it	PRON
cjfa-16353	140	11	is	be	AUX
cjfa-16353	140	12	still	still	ADV
cjfa-16353	140	13	there	there	ADV
cjfa-16353	140	14	.	.	PUNCT
cjfa-16353	141	1	in	in	ADP
cjfa-16353	141	2	terms	term	NOUN
cjfa-16353	141	3	of	of	ADP
cjfa-16353	141	4	the	the	DET
cjfa-16353	141	5	quarters	quarter	NOUN
cjfa-16353	141	6	of	of	ADP
cjfa-16353	141	7	distribution	distribution	NOUN
cjfa-16353	141	8	,	,	PUNCT
cjfa-16353	141	9	only	only	ADV
cjfa-16353	141	10	5	5	NUM
cjfa-16353	141	11	%	%	NOUN
cjfa-16353	141	12	institutions	institution	NOUN
cjfa-16353	141	13	have	have	VERB
cjfa-16353	141	14	a	a	DET
cjfa-16353	141	15	1.08	1.08	NUM
cjfa-16353	141	16	ltd	ltd	NOUN
cjfa-16353	141	17	ratio	ratio	NOUN
cjfa-16353	141	18	or	or	CCONJ
cjfa-16353	141	19	higher	high	ADJ
cjfa-16353	141	20	.	.	PUNCT
cjfa-16353	142	1	thus	thus	ADV
cjfa-16353	142	2	95	95	NUM
cjfa-16353	142	3	%	%	NOUN
cjfa-16353	142	4	institutions	institution	NOUN
cjfa-16353	142	5	are	be	AUX
cjfa-16353	142	6	surplus	surplus	NOUN
cjfa-16353	142	7	-	-	PUNCT
cjfa-16353	142	8	like	like	ADJ
cjfa-16353	142	9	or	or	CCONJ
cjfa-16353	142	10	offset	offset	VERB
cjfa-16353	142	11	the	the	DET
cjfa-16353	142	12	structure	structure	NOUN
cjfa-16353	142	13	of	of	ADP
cjfa-16353	142	14	raised	raise	VERB
cjfa-16353	142	15	or	or	CCONJ
cjfa-16353	142	16	invested	invest	VERB
cjfa-16353	142	17	funds	fund	NOUN
cjfa-16353	142	18	.	.	PUNCT
cjfa-16353	143	1	in	in	ADP
cjfa-16353	143	2	terms	term	NOUN
cjfa-16353	143	3	of	of	ADP
cjfa-16353	143	4	mean	mean	ADJ
cjfa-16353	143	5	absolute	absolute	ADJ
cjfa-16353	143	6	values	value	NOUN
cjfa-16353	143	7	of	of	ADP
cjfa-16353	143	8	money	money	NOUN
cjfa-16353	143	9	transfers	transfer	NOUN
cjfa-16353	143	10	there	there	PRON
cjfa-16353	143	11	is	be	VERB
cjfa-16353	143	12	significant	significant	ADJ
cjfa-16353	143	13	dispersion	dispersion	NOUN
cjfa-16353	143	14	in	in	ADP
cjfa-16353	143	15	the	the	DET
cjfa-16353	143	16	researched	researched	ADJ
cjfa-16353	143	17	group	group	NOUN
cjfa-16353	143	18	of	of	ADP
cjfa-16353	143	19	banks	bank	NOUN
cjfa-16353	143	20	.	.	PUNCT
cjfa-16353	144	1	for	for	ADP
cjfa-16353	144	2	more	more	ADJ
cjfa-16353	144	3	than	than	ADP
cjfa-16353	144	4	5	5	NUM
cjfa-16353	144	5	%	%	NOUN
cjfa-16353	144	6	institutions	institution	NOUN
cjfa-16353	144	7	the	the	DET
cjfa-16353	144	8	gap	gap	NOUN
cjfa-16353	144	9	ratio	ratio	NOUN
cjfa-16353	144	10	is	be	AUX
cjfa-16353	144	11	negative	negative	ADJ
cjfa-16353	144	12	.	.	PUNCT
cjfa-16353	145	1	it	it	PRON
cjfa-16353	145	2	is	be	AUX
cjfa-16353	145	3	worth	worth	ADJ
cjfa-16353	145	4	noticing	notice	VERB
cjfa-16353	145	5	,	,	PUNCT
cjfa-16353	145	6	though	though	ADV
cjfa-16353	145	7	,	,	PUNCT
cjfa-16353	145	8	that	that	SCONJ
cjfa-16353	145	9	the	the	DET
cjfa-16353	145	10	positive	positive	ADJ
cjfa-16353	145	11	gap	gap	NOUN
cjfa-16353	145	12	ratio	ratio	NOUN
cjfa-16353	145	13	for	for	ADP
cjfa-16353	145	14	0.95	0.95	NUM
cjfa-16353	145	15	percentile	percentile	NOUN
cjfa-16353	145	16	is	be	AUX
cjfa-16353	145	17	as	as	ADV
cjfa-16353	145	18	high	high	ADJ
cjfa-16353	145	19	as	as	ADP
cjfa-16353	145	20	a	a	DET
cjfa-16353	145	21	dozen	dozen	NOUN
cjfa-16353	145	22	times	time	NOUN
cjfa-16353	145	23	or	or	CCONJ
cjfa-16353	145	24	so	so	ADV
cjfa-16353	145	25	.	.	PUNCT
cjfa-16353	146	1	it	it	PRON
cjfa-16353	146	2	also	also	ADV
cjfa-16353	146	3	proves	prove	VERB
cjfa-16353	146	4	the	the	DET
cjfa-16353	146	5	advantage	advantage	NOUN
cjfa-16353	146	6	of	of	ADP
cjfa-16353	146	7	the	the	DET
cjfa-16353	146	8	institution	institution	NOUN
cjfa-16353	146	9	and	and	CCONJ
cjfa-16353	146	10	values	value	NOUN
cjfa-16353	146	11	with	with	ADP
cjfa-16353	146	12	positive	positive	ADJ
cjfa-16353	146	13	features	feature	NOUN
cjfa-16353	146	14	.	.	PUNCT
cjfa-16353	147	1	an	an	DET
cjfa-16353	147	2	econometric	econometric	ADJ
cjfa-16353	147	3	regression	regression	NOUN
cjfa-16353	147	4	model	model	NOUN
cjfa-16353	147	5	was	be	AUX
cjfa-16353	147	6	applied	apply	VERB
cjfa-16353	147	7	to	to	PART
cjfa-16353	147	8	test	test	VERB
cjfa-16353	147	9	the	the	DET
cjfa-16353	147	10	research	research	NOUN
cjfa-16353	147	11	hypotheses	hypothesis	NOUN
cjfa-16353	147	12	.	.	PUNCT
cjfa-16353	148	1	in	in	ADP
cjfa-16353	148	2	the	the	DET
cjfa-16353	148	3	first	first	ADJ
cjfa-16353	148	4	stage	stage	NOUN
cjfa-16353	148	5	the	the	DET
cjfa-16353	148	6	method	method	NOUN
cjfa-16353	148	7	of	of	ADP
cjfa-16353	148	8	least	least	ADJ
cjfa-16353	148	9	squares	square	NOUN
cjfa-16353	148	10	was	be	AUX
cjfa-16353	148	11	used	use	VERB
cjfa-16353	148	12	for	for	ADP
cjfa-16353	148	13	the	the	DET
cjfa-16353	148	14	panel	panel	NOUN
cjfa-16353	148	15	model	model	NOUN
cjfa-16353	148	16	.	.	PUNCT
cjfa-16353	149	1	yet	yet	ADV
cjfa-16353	149	2	after	after	SCONJ
cjfa-16353	149	3	the	the	DET
cjfa-16353	149	4	breusch	breusch	ADJ
cjfa-16353	149	5	-	-	PUNCT
cjfa-16353	149	6	pagan	pagan	ADJ
cjfa-16353	149	7	test	test	NOUN
cjfa-16353	149	8	was	be	AUX
cjfa-16353	149	9	applied	apply	VERB
cjfa-16353	149	10	it	it	PRON
cjfa-16353	149	11	turned	turn	VERB
cjfa-16353	149	12	out	out	ADP
cjfa-16353	149	13	that	that	SCONJ
cjfa-16353	149	14	a	a	DET
cjfa-16353	149	15	more	more	ADV
cjfa-16353	149	16	appropriate	appropriate	ADJ
cjfa-16353	149	17	model	model	NOUN
cjfa-16353	149	18	to	to	PART
cjfa-16353	149	19	be	be	AUX
cjfa-16353	149	20	used	use	VERB
cjfa-16353	149	21	was	be	AUX
cjfa-16353	149	22	generalized	generalize	VERB
cjfa-16353	149	23	least	least	ADJ
cjfa-16353	149	24	squares	square	NOUN
cjfa-16353	149	25	.	.	PUNCT
cjfa-16353	150	1	on	on	ADP
cjfa-16353	150	2	the	the	DET
cjfa-16353	150	3	other	other	ADJ
cjfa-16353	150	4	hand	hand	NOUN
cjfa-16353	150	5	the	the	DET
cjfa-16353	150	6	hausman	hausman	ADJ
cjfa-16353	150	7	test	test	NOUN
cjfa-16353	150	8	made	make	VERB
cjfa-16353	150	9	it	it	PRON
cjfa-16353	150	10	possible	possible	ADJ
cjfa-16353	150	11	to	to	PART
cjfa-16353	150	12	find	find	VERB
cjfa-16353	150	13	out	out	ADP
cjfa-16353	150	14	that	that	SCONJ
cjfa-16353	150	15	the	the	DET
cjfa-16353	150	16	most	most	ADV
cjfa-16353	150	17	appropriate	appropriate	ADJ
cjfa-16353	150	18	model	model	NOUN
cjfa-16353	150	19	for	for	ADP
cjfa-16353	150	20	the	the	DET
cjfa-16353	150	21	research	research	NOUN
cjfa-16353	150	22	was	be	AUX
cjfa-16353	150	23	a	a	DET
cjfa-16353	150	24	fixed	fix	VERB
cjfa-16353	150	25	effects	effect	NOUN
cjfa-16353	150	26	model	model	NOUN
cjfa-16353	150	27	(	(	PUNCT
cjfa-16353	150	28	dańska	dańska	PROPN
cjfa-16353	150	29	-	-	PUNCT
cjfa-16353	150	30	borsiak	borsiak	NOUN
cjfa-16353	150	31	,	,	PUNCT
cjfa-16353	150	32	2011	2011	NUM
cjfa-16353	150	33	,	,	PUNCT
cjfa-16353	150	34	p.	p.	NOUN
cjfa-16353	150	35	44	44	NUM
cjfa-16353	150	36	)	)	PUNCT
cjfa-16353	150	37	.	.	PUNCT
cjfa-16353	151	1	the	the	DET
cjfa-16353	151	2	above	above	ADV
cjfa-16353	151	3	-	-	PUNCT
cjfa-16353	151	4	mentioned	mention	VERB
cjfa-16353	151	5	independent	independent	ADJ
cjfa-16353	151	6	variables	variable	NOUN
cjfa-16353	151	7	were	be	AUX
cjfa-16353	151	8	compiled	compile	VERB
cjfa-16353	151	9	in	in	ADP
cjfa-16353	151	10	data	datum	NOUN
cjfa-16353	151	11	tables	table	NOUN
cjfa-16353	151	12	.	.	PUNCT
cjfa-16353	152	1	the	the	DET
cjfa-16353	152	2	gretl	gretl	ADJ
cjfa-16353	152	3	statistical	statistical	ADJ
cjfa-16353	152	4	software	software	NOUN
cjfa-16353	152	5	package	package	NOUN
cjfa-16353	152	6	was	be	AUX
cjfa-16353	152	7	used	use	VERB
cjfa-16353	152	8	to	to	PART
cjfa-16353	152	9	test	test	VERB
cjfa-16353	152	10	the	the	DET
cjfa-16353	152	11	models	model	NOUN
cjfa-16353	152	12	.	.	PUNCT
cjfa-16353	153	1	not	not	PART
cjfa-16353	153	2	all	all	PRON
cjfa-16353	153	3	of	of	ADP
cjfa-16353	153	4	the	the	DET
cjfa-16353	153	5	variables	variable	NOUN
cjfa-16353	153	6	were	be	AUX
cjfa-16353	153	7	significant	significant	ADJ
cjfa-16353	153	8	,	,	PUNCT
cjfa-16353	153	9	hence	hence	ADV
cjfa-16353	153	10	eventually	eventually	ADV
cjfa-16353	153	11	the	the	DET
cjfa-16353	153	12	panel	panel	NOUN
cjfa-16353	153	13	model	model	NOUN
cjfa-16353	153	14	explaining	explain	VERB
cjfa-16353	153	15	the	the	DET
cjfa-16353	153	16	ltd	ltd	PROPN
cjfa-16353	153	17	ratio	ratio	NOUN
cjfa-16353	153	18	value	value	NOUN
cjfa-16353	153	19	emerged	emerge	VERB
cjfa-16353	153	20	as	as	SCONJ
cjfa-16353	153	21	follows	follow	VERB
cjfa-16353	153	22	(	(	PUNCT
cjfa-16353	153	23	table	table	NOUN
cjfa-16353	153	24	3	3	NUM
cjfa-16353	153	25	)	)	PUNCT
cjfa-16353	153	26	.	.	PUNCT
cjfa-16353	154	1	table	table	NOUN
cjfa-16353	154	2	2	2	NUM
cjfa-16353	154	3	.	.	PUNCT
cjfa-16353	154	4	surplus	surplus	NOUN
cjfa-16353	154	5	characteristics	characteristic	NOUN
cjfa-16353	154	6	in	in	ADP
cjfa-16353	154	7	the	the	DET
cjfa-16353	154	8	researched	researched	ADJ
cjfa-16353	154	9	group	group	NOUN
cjfa-16353	154	10	of	of	ADP
cjfa-16353	154	11	cooperative	cooperative	ADJ
cjfa-16353	154	12	banks	bank	NOUN
cjfa-16353	154	13	maria	maria	PROPN
cjfa-16353	154	14	magdalena	magdalena	PROPN
cjfa-16353	154	15	golec30	golec30	PROPN
cjfa-16353	154	16	table	table	NOUN
cjfa-16353	154	17	3	3	NUM
cjfa-16353	154	18	.	.	PUNCT
cjfa-16353	154	19	model	model	NOUN
cjfa-16353	154	20	for	for	ADP
cjfa-16353	154	21	variable	variable	ADJ
cjfa-16353	154	22	y	y	PROPN
cjfa-16353	154	23	:	:	PUNCT
cjfa-16353	154	24	ltd	ltd	ADJ
cjfa-16353	154	25	indepenedent	indepenedent	ADJ
cjfa-16353	154	26	variable	variable	ADJ
cjfa-16353	154	27	coefficient	coefficient	NOUN
cjfa-16353	154	28	stand	stand	NOUN
cjfa-16353	154	29	.	.	PUNCT
cjfa-16353	155	1	error	error	NOUN
cjfa-16353	155	2	t	t	NOUN
cjfa-16353	155	3	-	-	PUNCT
cjfa-16353	155	4	student	student	NOUN
cjfa-16353	155	5	value	value	NOUN
cjfa-16353	155	6	p	p	NOUN
cjfa-16353	155	7	significance	significance	NOUN
cjfa-16353	155	8	const	const	VERB
cjfa-16353	155	9	2.4516100	2.4516100	NUM
cjfa-16353	155	10	0.092907	0.092907	NUM
cjfa-16353	155	11	26.3878	26.3878	NUM
cjfa-16353	155	12	<	<	NOUN
cjfa-16353	155	13	0.0001	0.0001	NUM
cjfa-16353	155	14	*	*	PUNCT
cjfa-16353	155	15	*	*	PUNCT
cjfa-16353	155	16	*	*	PUNCT
cjfa-16353	155	17	car	car	NOUN
cjfa-16353	155	18	-0.0032189	-0.0032189	NOUN
cjfa-16353	155	19	0.000744	0.000744	NUM
cjfa-16353	156	1	-4.324	-4.324	PUNCT
cjfa-16353	156	2	<	<	X
cjfa-16353	156	3	0.0001	0.0001	NUM
cjfa-16353	156	4	*	*	PUNCT
cjfa-16353	156	5	*	*	PUNCT
cjfa-16353	156	6	*	*	PUNCT
cjfa-16353	156	7	sig_loan	sig_loan	VERB
cjfa-16353	156	8	0.5382610	0.5382610	NUM
cjfa-16353	156	9	0.021188	0.021188	NUM
cjfa-16353	156	10	25.4038	25.4038	NUM
cjfa-16353	156	11	<	<	X
cjfa-16353	156	12	0.0001	0.0001	NUM
cjfa-16353	156	13	*	*	PUNCT
cjfa-16353	156	14	*	*	PUNCT
cjfa-16353	156	15	*	*	AUX
cjfa-16353	156	16	sig_dep	sig_dep	PRON
cjfa-16353	156	17	-2.1100500	-2.1100500	X
cjfa-16353	156	18	0.091802	0.091802	NUM
cjfa-16353	156	19	-22.9847	-22.9847	SYM
cjfa-16353	156	20	<	<	X
cjfa-16353	156	21	0.0001	0.0001	NUM
cjfa-16353	156	22	*	*	PUNCT
cjfa-16353	156	23	*	*	PUNCT
cjfa-16353	156	24	*	*	PUNCT
cjfa-16353	156	25	sig_int_res	sig_int_re	NOUN
cjfa-16353	156	26	-0.2572830	-0.2572830	VERB
cjfa-16353	156	27	0.055387	0.055387	NUM
cjfa-16353	156	28	-4.6452	-4.6452	NOUN
cjfa-16353	156	29	<	<	X
cjfa-16353	156	30	0.0001	0.0001	NUM
cjfa-16353	156	31	*	*	PUNCT
cjfa-16353	156	32	*	*	PUNCT
cjfa-16353	156	33	*	*	PUNCT
cjfa-16353	156	34	assets	asset	NOUN
cjfa-16353	156	35	-1.554e-09	-1.554e-09	PUNCT
cjfa-16353	156	36	3.517e-10	3.517e-10	NUM
cjfa-16353	156	37	-4.4169	-4.4169	NOUN
cjfa-16353	157	1	<	<	X
cjfa-16353	157	2	0.0001	0.0001	NUM
cjfa-16353	157	3	*	*	PUNCT
cjfa-16353	157	4	*	*	PUNCT
cjfa-16353	157	5	*	*	PUNCT
cjfa-16353	157	6	deposit_sum	deposit_sum	NUM
cjfa-16353	157	7	1.514e-09	1.514e-09	NUM
cjfa-16353	157	8	4.053e-10	4.053e-10	NUM
cjfa-16353	158	1	3.7356	3.7356	NUM
cjfa-16353	158	2	0.0002	0.0002	NUM
cjfa-16353	158	3	*	*	PUNCT
cjfa-16353	158	4	*	*	PUNCT
cjfa-16353	158	5	*	*	PUNCT
cjfa-16353	158	6	qual_port	qual_port	PROPN
cjfa-16353	158	7	-0.3098580	-0.3098580	NOUN
cjfa-16353	158	8	0.097057	0.097057	NUM
cjfa-16353	158	9	-3.1925	-3.1925	NOUN
cjfa-16353	159	1	0.0014	0.0014	NUM
cjfa-16353	159	2	*	*	PUNCT
cjfa-16353	159	3	*	*	PUNCT
cjfa-16353	159	4	*	*	PUNCT
cjfa-16353	159	5	result	result	VERB
cjfa-16353	159	6	3.981e-09	3.981e-09	NUM
cjfa-16353	159	7	1.858e-09	1.858e-09	NUM
cjfa-16353	159	8	2.1423	2.1423	NUM
cjfa-16353	159	9	0.0323	0.0323	NUM
cjfa-16353	159	10	*	*	PUNCT
cjfa-16353	159	11	*	*	PUNCT
cjfa-16353	159	12	lsdv	lsdv	NOUN
cjfa-16353	159	13	r2	r2	NOUN
cjfa-16353	159	14	=	=	PUNCT
cjfa-16353	160	1	0.93	0.93	NUM
cjfa-16353	160	2	s	s	NOUN
cjfa-16353	160	3	o	o	X
cjfa-16353	160	4	u	u	NOUN
cjfa-16353	160	5	r	r	NOUN
cjfa-16353	160	6	c	c	NOUN
cjfa-16353	160	7	e	e	NOUN
cjfa-16353	160	8	:	:	PUNCT
cjfa-16353	160	9	own	own	ADJ
cjfa-16353	160	10	calculations	calculation	NOUN
cjfa-16353	160	11	.	.	PUNCT
cjfa-16353	161	1	in	in	ADP
cjfa-16353	161	2	the	the	DET
cjfa-16353	161	3	course	course	NOUN
cjfa-16353	161	4	of	of	ADP
cjfa-16353	161	5	the	the	DET
cjfa-16353	161	6	computation	computation	NOUN
cjfa-16353	161	7	of	of	ADP
cjfa-16353	161	8	the	the	DET
cjfa-16353	161	9	model	model	NOUN
cjfa-16353	161	10	the	the	DET
cjfa-16353	161	11	variables	variable	NOUN
cjfa-16353	161	12	that	that	PRON
cjfa-16353	161	13	were	be	AUX
cjfa-16353	161	14	statistically	statistically	ADV
cjfa-16353	161	15	insignificant	insignificant	ADJ
cjfa-16353	161	16	were	be	AUX
cjfa-16353	161	17	removed	remove	VERB
cjfa-16353	161	18	from	from	ADP
cjfa-16353	161	19	the	the	DET
cjfa-16353	161	20	set	set	NOUN
cjfa-16353	161	21	of	of	ADP
cjfa-16353	161	22	independent	independent	ADJ
cjfa-16353	161	23	variables	variable	NOUN
cjfa-16353	161	24	.	.	PUNCT
cjfa-16353	162	1	ltd	ltd	PROPN
cjfa-16353	162	2	in	in	ADP
cjfa-16353	162	3	the	the	DET
cjfa-16353	162	4	model	model	NOUN
cjfa-16353	162	5	signifies	signify	VERB
cjfa-16353	162	6	9	9	NUM
cjfa-16353	162	7	exogenous	exogenous	ADJ
cjfa-16353	162	8	variables	variable	NOUN
cjfa-16353	162	9	,	,	PUNCT
cjfa-16353	162	10	however	however	ADV
cjfa-16353	162	11	it	it	PRON
cjfa-16353	162	12	is	be	AUX
cjfa-16353	162	13	worth	worth	ADJ
cjfa-16353	162	14	mentioning	mention	VERB
cjfa-16353	162	15	that	that	SCONJ
cjfa-16353	162	16	the	the	DET
cjfa-16353	162	17	impact	impact	NOUN
cjfa-16353	162	18	of	of	ADP
cjfa-16353	162	19	assets	asset	NOUN
cjfa-16353	162	20	,	,	PUNCT
cjfa-16353	162	21	sum	sum	NOUN
cjfa-16353	162	22	of	of	ADP
cjfa-16353	162	23	deposits	deposit	NOUN
cjfa-16353	162	24	and	and	CCONJ
cjfa-16353	162	25	financial	financial	ADJ
cjfa-16353	162	26	result	result	NOUN
cjfa-16353	162	27	is	be	AUX
cjfa-16353	162	28	marginal	marginal	ADJ
cjfa-16353	162	29	due	due	ADP
cjfa-16353	162	30	to	to	ADP
cjfa-16353	162	31	a	a	DET
cjfa-16353	162	32	low	low	ADJ
cjfa-16353	162	33	coefficient	coefficient	NOUN
cjfa-16353	162	34	value	value	NOUN
cjfa-16353	162	35	.	.	PUNCT
cjfa-16353	163	1	share	share	NOUN
cjfa-16353	163	2	of	of	ADP
cjfa-16353	163	3	deposits	deposit	NOUN
cjfa-16353	163	4	in	in	ADP
cjfa-16353	163	5	the	the	DET
cjfa-16353	163	6	bank	bank	NOUN
cjfa-16353	163	7	’s	’s	PART
cjfa-16353	163	8	total	total	ADJ
cjfa-16353	163	9	assets	asset	NOUN
cjfa-16353	163	10	is	be	AUX
cjfa-16353	163	11	the	the	DET
cjfa-16353	163	12	most	most	ADV
cjfa-16353	163	13	significant	significant	ADJ
cjfa-16353	163	14	factor	factor	NOUN
cjfa-16353	163	15	for	for	ADP
cjfa-16353	163	16	explaining	explain	VERB
cjfa-16353	163	17	an	an	DET
cjfa-16353	163	18	ltd	ltd	PROPN
cjfa-16353	163	19	ratio	ratio	NOUN
cjfa-16353	163	20	level	level	NOUN
cjfa-16353	163	21	.	.	PUNCT
cjfa-16353	164	1	an	an	DET
cjfa-16353	164	2	increase	increase	NOUN
cjfa-16353	164	3	in	in	ADP
cjfa-16353	164	4	this	this	DET
cjfa-16353	164	5	share	share	NOUN
cjfa-16353	164	6	makes	make	VERB
cjfa-16353	164	7	the	the	DET
cjfa-16353	164	8	value	value	NOUN
cjfa-16353	164	9	of	of	ADP
cjfa-16353	164	10	the	the	DET
cjfa-16353	164	11	coefficient	coefficient	NOUN
cjfa-16353	164	12	go	go	VERB
cjfa-16353	164	13	down	down	ADV
cjfa-16353	164	14	.	.	PUNCT
cjfa-16353	165	1	on	on	ADP
cjfa-16353	165	2	the	the	DET
cjfa-16353	165	3	other	other	ADJ
cjfa-16353	165	4	hand	hand	NOUN
cjfa-16353	165	5	,	,	PUNCT
cjfa-16353	165	6	an	an	DET
cjfa-16353	165	7	increase	increase	NOUN
cjfa-16353	165	8	in	in	ADP
cjfa-16353	165	9	the	the	DET
cjfa-16353	165	10	significance	significance	NOUN
cjfa-16353	165	11	of	of	ADP
cjfa-16353	165	12	loans	loan	NOUN
cjfa-16353	165	13	in	in	ADP
cjfa-16353	165	14	total	total	ADJ
cjfa-16353	165	15	assets	asset	NOUN
cjfa-16353	165	16	makes	make	VERB
cjfa-16353	165	17	ltd	ltd	PROPN
cjfa-16353	165	18	go	go	VERB
cjfa-16353	165	19	up	up	ADP
cjfa-16353	165	20	,	,	PUNCT
cjfa-16353	165	21	thus	thus	ADV
cjfa-16353	165	22	banks	bank	NOUN
cjfa-16353	165	23	use	use	VERB
cjfa-16353	165	24	the	the	DET
cjfa-16353	165	25	raised	raise	VERB
cjfa-16353	165	26	funds	fund	NOUN
cjfa-16353	165	27	for	for	ADP
cjfa-16353	165	28	lending	lending	NOUN
cjfa-16353	165	29	.	.	PUNCT
cjfa-16353	166	1	in	in	ADP
cjfa-16353	166	2	terms	term	NOUN
cjfa-16353	166	3	of	of	ADP
cjfa-16353	166	4	the	the	DET
cjfa-16353	166	5	research	research	NOUN
cjfa-16353	166	6	hypotheses	hypothesis	NOUN
cjfa-16353	166	7	.	.	PUNCT
cjfa-16353	167	1	1	1	X
cjfa-16353	167	2	)	)	PUNCT
cjfa-16353	167	3	one	one	NOUN
cjfa-16353	167	4	can	can	AUX
cjfa-16353	167	5	not	not	PART
cjfa-16353	167	6	confirm	confirm	VERB
cjfa-16353	167	7	the	the	DET
cjfa-16353	167	8	hypothesis	hypothesis	NOUN
cjfa-16353	167	9	regarding	regard	VERB
cjfa-16353	167	10	the	the	DET
cjfa-16353	167	11	relationship	relationship	NOUN
cjfa-16353	167	12	between	between	ADP
cjfa-16353	167	13	the	the	DET
cjfa-16353	167	14	scope	scope	NOUN
cjfa-16353	167	15	of	of	ADP
cjfa-16353	167	16	a	a	DET
cjfa-16353	167	17	bank	bank	NOUN
cjfa-16353	167	18	’s	’s	PART
cjfa-16353	167	19	activity	activity	NOUN
cjfa-16353	167	20	and	and	CCONJ
cjfa-16353	167	21	the	the	DET
cjfa-16353	167	22	level	level	NOUN
cjfa-16353	167	23	of	of	ADP
cjfa-16353	167	24	financing	financing	NOUN
cjfa-16353	167	25	misfit	misfit	NOUN
cjfa-16353	167	26	in	in	ADP
cjfa-16353	167	27	the	the	DET
cjfa-16353	167	28	cooperative	cooperative	ADJ
cjfa-16353	167	29	banks	bank	NOUN
cjfa-16353	167	30	.	.	PUNCT
cjfa-16353	168	1	although	although	SCONJ
cjfa-16353	168	2	the	the	DET
cjfa-16353	168	3	sum	sum	NOUN
cjfa-16353	168	4	of	of	ADP
cjfa-16353	168	5	deposits	deposit	NOUN
cjfa-16353	168	6	and	and	CCONJ
cjfa-16353	168	7	the	the	DET
cjfa-16353	168	8	value	value	NOUN
cjfa-16353	168	9	of	of	ADP
cjfa-16353	168	10	assets	asset	NOUN
cjfa-16353	168	11	were	be	AUX
cjfa-16353	168	12	included	include	VERB
cjfa-16353	168	13	in	in	ADP
cjfa-16353	168	14	the	the	DET
cjfa-16353	168	15	model	model	NOUN
cjfa-16353	168	16	the	the	DET
cjfa-16353	168	17	direction	direction	NOUN
cjfa-16353	168	18	of	of	ADP
cjfa-16353	168	19	impact	impact	NOUN
cjfa-16353	168	20	on	on	ADP
cjfa-16353	168	21	the	the	DET
cjfa-16353	168	22	ratio	ratio	NOUN
cjfa-16353	168	23	value	value	NOUN
cjfa-16353	168	24	is	be	AUX
cjfa-16353	168	25	reverse	reverse	ADJ
cjfa-16353	168	26	.	.	PUNCT
cjfa-16353	169	1	2	2	X
cjfa-16353	169	2	)	)	PUNCT
cjfa-16353	169	3	the	the	DET
cjfa-16353	169	4	hypothesis	hypothesis	NOUN
cjfa-16353	169	5	about	about	ADP
cjfa-16353	169	6	negative	negative	ADJ
cjfa-16353	169	7	correlation	correlation	NOUN
cjfa-16353	169	8	of	of	ADP
cjfa-16353	169	9	surplus	surplus	NOUN
cjfa-16353	169	10	with	with	ADP
cjfa-16353	169	11	the	the	DET
cjfa-16353	169	12	safety	safety	NOUN
cjfa-16353	169	13	of	of	ADP
cjfa-16353	169	14	a	a	DET
cjfa-16353	169	15	bank	bank	NOUN
cjfa-16353	169	16	’s	’s	PART
cjfa-16353	169	17	activity	activity	NOUN
cjfa-16353	169	18	was	be	AUX
cjfa-16353	169	19	confirmed	confirm	VERB
cjfa-16353	169	20	.	.	PUNCT
cjfa-16353	170	1	the	the	PRON
cjfa-16353	170	2	lower	low	ADJ
cjfa-16353	170	3	the	the	DET
cjfa-16353	170	4	ltd	ltd	PROPN
cjfa-16353	170	5	ratio	ratio	NOUN
cjfa-16353	170	6	,	,	PUNCT
cjfa-16353	170	7	the	the	PRON
cjfa-16353	170	8	higher	high	ADJ
cjfa-16353	170	9	the	the	DET
cjfa-16353	170	10	safety	safety	NOUN
cjfa-16353	170	11	of	of	ADP
cjfa-16353	170	12	a	a	DET
cjfa-16353	170	13	bank	bank	NOUN
cjfa-16353	170	14	’s	’s	PART
cjfa-16353	170	15	activity	activity	NOUN
cjfa-16353	170	16	(	(	PUNCT
cjfa-16353	170	17	measured	measure	VERB
cjfa-16353	170	18	by	by	ADP
cjfa-16353	170	19	capital	capital	NOUN
cjfa-16353	170	20	adequacy	adequacy	NOUN
cjfa-16353	170	21	ratio	ratio	NOUN
cjfa-16353	170	22	and	and	CCONJ
cjfa-16353	170	23	quality	quality	NOUN
cjfa-16353	170	24	of	of	ADP
cjfa-16353	170	25	loan	loan	NOUN
cjfa-16353	170	26	portfolio	portfolio	NOUN
cjfa-16353	170	27	)	)	PUNCT
cjfa-16353	170	28	.	.	PUNCT
cjfa-16353	171	1	locality	locality	NOUN
cjfa-16353	171	2	and	and	CCONJ
cjfa-16353	171	3	the	the	DET
cjfa-16353	171	4	transfer	transfer	NOUN
cjfa-16353	171	5	of	of	ADP
cjfa-16353	171	6	funds	fund	NOUN
cjfa-16353	171	7	in	in	ADP
cjfa-16353	171	8	the	the	DET
cjfa-16353	171	9	cooperative	cooperative	NOUN
cjfa-16353	171	10	…	…	PUNCT
cjfa-16353	171	11	31	31	NUM
cjfa-16353	171	12	3	3	NUM
cjfa-16353	171	13	)	)	PUNCT
cjfa-16353	171	14	the	the	DET
cjfa-16353	171	15	hypothesis	hypothesis	NOUN
cjfa-16353	171	16	about	about	ADP
cjfa-16353	171	17	negative	negative	ADJ
cjfa-16353	171	18	direction	direction	NOUN
cjfa-16353	171	19	of	of	ADP
cjfa-16353	171	20	the	the	DET
cjfa-16353	171	21	impact	impact	NOUN
cjfa-16353	171	22	of	of	ADP
cjfa-16353	171	23	share	share	NOUN
cjfa-16353	171	24	of	of	ADP
cjfa-16353	171	25	deposits	deposit	NOUN
cjfa-16353	171	26	on	on	ADP
cjfa-16353	171	27	the	the	DET
cjfa-16353	171	28	surplus	surplus	ADJ
cjfa-16353	171	29	ratio	ratio	NOUN
cjfa-16353	171	30	and	and	CCONJ
cjfa-16353	171	31	positive	positive	ADJ
cjfa-16353	171	32	impact	impact	NOUN
cjfa-16353	171	33	of	of	ADP
cjfa-16353	171	34	the	the	DET
cjfa-16353	171	35	share	share	NOUN
cjfa-16353	171	36	of	of	ADP
cjfa-16353	171	37	loans	loan	NOUN
cjfa-16353	171	38	in	in	ADP
cjfa-16353	171	39	total	total	ADJ
cjfa-16353	171	40	asset	asset	NOUN
cjfa-16353	171	41	was	be	AUX
cjfa-16353	171	42	confirmed	confirm	VERB
cjfa-16353	171	43	.	.	PUNCT
cjfa-16353	172	1	additionally	additionally	ADV
cjfa-16353	172	2	the	the	DET
cjfa-16353	172	3	following	follow	VERB
cjfa-16353	172	4	regularity	regularity	NOUN
cjfa-16353	172	5	was	be	AUX
cjfa-16353	172	6	observed	observe	VERB
cjfa-16353	172	7	:	:	PUNCT
cjfa-16353	172	8	the	the	PRON
cjfa-16353	172	9	higher	high	ADJ
cjfa-16353	172	10	the	the	DET
cjfa-16353	172	11	significance	significance	NOUN
cjfa-16353	172	12	of	of	ADP
cjfa-16353	172	13	the	the	DET
cjfa-16353	172	14	result	result	NOUN
cjfa-16353	172	15	from	from	ADP
cjfa-16353	172	16	interest	interest	NOUN
cjfa-16353	172	17	,	,	PUNCT
cjfa-16353	172	18	the	the	PRON
cjfa-16353	172	19	lower	low	ADJ
cjfa-16353	172	20	the	the	DET
cjfa-16353	172	21	ltd	ltd	PROPN
cjfa-16353	172	22	ratio	ratio	NOUN
cjfa-16353	172	23	(	(	PUNCT
cjfa-16353	172	24	higher	high	ADJ
cjfa-16353	172	25	surplus	surplus	NOUN
cjfa-16353	172	26	)	)	PUNCT
cjfa-16353	172	27	.	.	PUNCT
cjfa-16353	172	28	 	 	SPACE
cjfa-16353	173	1	conclusions	conclusion	VERB
cjfa-16353	173	2	the	the	DET
cjfa-16353	173	3	principle	principle	NOUN
cjfa-16353	173	4	of	of	ADP
cjfa-16353	173	5	locality	locality	NOUN
cjfa-16353	173	6	within	within	ADP
cjfa-16353	173	7	the	the	DET
cjfa-16353	173	8	traditional	traditional	ADJ
cjfa-16353	173	9	function	function	NOUN
cjfa-16353	173	10	of	of	ADP
cjfa-16353	173	11	cooperative	cooperative	ADJ
cjfa-16353	173	12	banks	bank	NOUN
cjfa-16353	173	13	in	in	ADP
cjfa-16353	173	14	a	a	DET
cjfa-16353	173	15	specific	specific	ADJ
cjfa-16353	173	16	setting	setting	NOUN
cjfa-16353	173	17	is	be	AUX
cjfa-16353	173	18	followed	follow	VERB
cjfa-16353	173	19	to	to	ADP
cjfa-16353	173	20	the	the	DET
cjfa-16353	173	21	extent	extent	NOUN
cjfa-16353	173	22	the	the	DET
cjfa-16353	173	23	bank	bank	NOUN
cjfa-16353	173	24	offsets	offset	VERB
cjfa-16353	173	25	transfers	transfer	NOUN
cjfa-16353	173	26	of	of	ADP
cjfa-16353	173	27	funds	fund	NOUN
cjfa-16353	173	28	.	.	PUNCT
cjfa-16353	174	1	nowadays	nowadays	ADV
cjfa-16353	174	2	in	in	ADP
cjfa-16353	174	3	poland	poland	PROPN
cjfa-16353	174	4	there	there	PRON
cjfa-16353	174	5	is	be	VERB
cjfa-16353	174	6	surplus	surplus	NOUN
cjfa-16353	174	7	,	,	PUNCT
cjfa-16353	174	8	which	which	PRON
cjfa-16353	174	9	leads	lead	VERB
cjfa-16353	174	10	to	to	ADP
cjfa-16353	174	11	the	the	DET
cjfa-16353	174	12	conclusion	conclusion	NOUN
cjfa-16353	174	13	that	that	SCONJ
cjfa-16353	174	14	the	the	DET
cjfa-16353	174	15	principle	principle	NOUN
cjfa-16353	174	16	of	of	ADP
cjfa-16353	174	17	locality	locality	NOUN
cjfa-16353	174	18	is	be	AUX
cjfa-16353	174	19	realized	realize	VERB
cjfa-16353	174	20	only	only	ADV
cjfa-16353	174	21	partially	partially	ADV
cjfa-16353	174	22	.	.	PUNCT
cjfa-16353	175	1	the	the	DET
cjfa-16353	175	2	scope	scope	NOUN
cjfa-16353	175	3	of	of	ADP
cjfa-16353	175	4	the	the	DET
cjfa-16353	175	5	diagnosed	diagnose	VERB
cjfa-16353	175	6	misfit	misfit	NOUN
cjfa-16353	175	7	of	of	ADP
cjfa-16353	175	8	streams	stream	NOUN
cjfa-16353	175	9	of	of	ADP
cjfa-16353	175	10	funds	fund	NOUN
cjfa-16353	175	11	measured	measure	VERB
cjfa-16353	175	12	by	by	ADP
cjfa-16353	175	13	the	the	DET
cjfa-16353	175	14	ltd	ltd	PROPN
cjfa-16353	175	15	ratio	ratio	NOUN
cjfa-16353	175	16	also	also	ADV
cjfa-16353	175	17	demonstrates	demonstrate	VERB
cjfa-16353	175	18	the	the	DET
cjfa-16353	175	19	scope	scope	NOUN
cjfa-16353	175	20	of	of	ADP
cjfa-16353	175	21	the	the	DET
cjfa-16353	175	22	utilization	utilization	NOUN
cjfa-16353	175	23	of	of	ADP
cjfa-16353	175	24	funds	fund	NOUN
cjfa-16353	175	25	beyond	beyond	ADP
cjfa-16353	175	26	local	local	ADJ
cjfa-16353	175	27	environment	environment	NOUN
cjfa-16353	175	28	,	,	PUNCT
cjfa-16353	175	29	i.e.	i.e.	X
cjfa-16353	175	30	transferring	transfer	VERB
cjfa-16353	175	31	surplus	surplus	NOUN
cjfa-16353	175	32	to	to	ADP
cjfa-16353	175	33	other	other	ADJ
cjfa-16353	175	34	participants	participant	NOUN
cjfa-16353	175	35	of	of	ADP
cjfa-16353	175	36	the	the	DET
cjfa-16353	175	37	money	money	NOUN
cjfa-16353	175	38	market	market	NOUN
cjfa-16353	175	39	.	.	PUNCT
cjfa-16353	176	1	the	the	DET
cjfa-16353	176	2	research	research	NOUN
cjfa-16353	176	3	revealed	reveal	VERB
cjfa-16353	176	4	relative	relative	ADJ
cjfa-16353	176	5	stability	stability	NOUN
cjfa-16353	176	6	of	of	ADP
cjfa-16353	176	7	the	the	DET
cjfa-16353	176	8	selected	select	VERB
cjfa-16353	176	9	group	group	NOUN
cjfa-16353	176	10	of	of	ADP
cjfa-16353	176	11	banks	bank	NOUN
cjfa-16353	176	12	in	in	ADP
cjfa-16353	176	13	terms	term	NOUN
cjfa-16353	176	14	of	of	ADP
cjfa-16353	176	15	surplus	surplus	NOUN
cjfa-16353	176	16	,	,	PUNCT
cjfa-16353	176	17	gradual	gradual	ADJ
cjfa-16353	176	18	deepening	deepening	NOUN
cjfa-16353	176	19	of	of	ADP
cjfa-16353	176	20	the	the	DET
cjfa-16353	176	21	phenomenon	phenomenon	NOUN
cjfa-16353	176	22	and	and	CCONJ
cjfa-16353	176	23	an	an	DET
cjfa-16353	176	24	increase	increase	NOUN
cjfa-16353	176	25	in	in	ADP
cjfa-16353	176	26	the	the	DET
cjfa-16353	176	27	number	number	NOUN
cjfa-16353	176	28	of	of	ADP
cjfa-16353	176	29	banks	bank	NOUN
cjfa-16353	176	30	with	with	ADP
cjfa-16353	176	31	a	a	DET
cjfa-16353	176	32	significant	significant	ADJ
cjfa-16353	176	33	misfit	misfit	NOUN
cjfa-16353	176	34	of	of	ADP
cjfa-16353	176	35	financing	financing	NOUN
cjfa-16353	176	36	structure	structure	NOUN
cjfa-16353	176	37	.	.	PUNCT
cjfa-16353	177	1	the	the	DET
cjfa-16353	177	2	diagnosed	diagnose	VERB
cjfa-16353	177	3	phenomenon	phenomenon	NOUN
cjfa-16353	177	4	should	should	AUX
cjfa-16353	177	5	become	become	VERB
cjfa-16353	177	6	a	a	DET
cjfa-16353	177	7	point	point	NOUN
cjfa-16353	177	8	of	of	ADP
cjfa-16353	177	9	discussion	discussion	NOUN
cjfa-16353	177	10	for	for	ADP
cjfa-16353	177	11	the	the	DET
cjfa-16353	177	12	cooperative	cooperative	ADJ
cjfa-16353	177	13	environment	environment	NOUN
cjfa-16353	177	14	.	.	PUNCT
cjfa-16353	178	1	when	when	SCONJ
cjfa-16353	178	2	it	it	PRON
cjfa-16353	178	3	comes	come	VERB
cjfa-16353	178	4	to	to	ADP
cjfa-16353	178	5	decision	decision	NOUN
cjfa-16353	178	6	-	-	PUNCT
cjfa-16353	178	7	making	making	NOUN
cjfa-16353	178	8	what	what	PRON
cjfa-16353	178	9	may	may	AUX
cjfa-16353	178	10	be	be	AUX
cjfa-16353	178	11	essential	essential	ADJ
cjfa-16353	178	12	from	from	ADP
cjfa-16353	178	13	a	a	DET
cjfa-16353	178	14	point	point	NOUN
cjfa-16353	178	15	of	of	ADP
cjfa-16353	178	16	view	view	NOUN
cjfa-16353	178	17	of	of	ADP
cjfa-16353	178	18	particular	particular	ADJ
cjfa-16353	178	19	entities	entity	NOUN
cjfa-16353	178	20	is	be	AUX
cjfa-16353	178	21	the	the	DET
cjfa-16353	178	22	relationship	relationship	NOUN
cjfa-16353	178	23	between	between	ADP
cjfa-16353	178	24	the	the	DET
cjfa-16353	178	25	structure	structure	NOUN
cjfa-16353	178	26	of	of	ADP
cjfa-16353	178	27	financing	financing	NOUN
cjfa-16353	178	28	and	and	CCONJ
cjfa-16353	178	29	the	the	DET
cjfa-16353	178	30	scope	scope	NOUN
cjfa-16353	178	31	of	of	ADP
cjfa-16353	178	32	activity	activity	NOUN
cjfa-16353	178	33	.	.	PUNCT
cjfa-16353	179	1	more	more	ADV
cjfa-16353	179	2	significant	significant	ADJ
cjfa-16353	179	3	lending	lending	NOUN
cjfa-16353	179	4	activity	activity	NOUN
cjfa-16353	179	5	should	should	AUX
cjfa-16353	179	6	contribute	contribute	VERB
cjfa-16353	179	7	to	to	ADP
cjfa-16353	179	8	a	a	DET
cjfa-16353	179	9	decrease	decrease	NOUN
cjfa-16353	179	10	in	in	ADP
cjfa-16353	179	11	non	non	ADJ
cjfa-16353	179	12	-	-	ADJ
cjfa-16353	179	13	offsetting	offsetting	ADJ
cjfa-16353	179	14	of	of	ADP
cjfa-16353	179	15	streams	stream	NOUN
cjfa-16353	179	16	of	of	ADP
cjfa-16353	179	17	funding	funding	NOUN
cjfa-16353	179	18	.	.	PUNCT
cjfa-16353	180	1	however	however	ADV
cjfa-16353	180	2	it	it	PRON
cjfa-16353	180	3	may	may	AUX
cjfa-16353	180	4	occur	occur	VERB
cjfa-16353	180	5	at	at	ADP
cjfa-16353	180	6	the	the	DET
cjfa-16353	180	7	expense	expense	NOUN
cjfa-16353	180	8	of	of	ADP
cjfa-16353	180	9	lower	low	ADJ
cjfa-16353	180	10	safety	safety	NOUN
cjfa-16353	180	11	of	of	ADP
cjfa-16353	180	12	the	the	DET
cjfa-16353	180	13	institution	institution	NOUN
cjfa-16353	180	14	’s	’s	PART
cjfa-16353	180	15	functioning	function	VERB
cjfa-16353	180	16	.	.	PUNCT
cjfa-16353	181	1	from	from	ADP
cjfa-16353	181	2	the	the	DET
cjfa-16353	181	3	perspective	perspective	NOUN
cjfa-16353	181	4	of	of	ADP
cjfa-16353	181	5	the	the	DET
cjfa-16353	181	6	cooperative	cooperative	ADJ
cjfa-16353	181	7	principle	principle	NOUN
cjfa-16353	181	8	(	(	PUNCT
cjfa-16353	181	9	caring	care	VERB
cjfa-16353	181	10	about	about	ADP
cjfa-16353	181	11	the	the	DET
cjfa-16353	181	12	local	local	ADJ
cjfa-16353	181	13	environment	environment	NOUN
cjfa-16353	181	14	)	)	PUNCT
cjfa-16353	181	15	a	a	DET
cjfa-16353	181	16	growth	growth	NOUN
cjfa-16353	181	17	in	in	ADP
cjfa-16353	181	18	share	share	NOUN
cjfa-16353	181	19	of	of	ADP
cjfa-16353	181	20	deposits	deposit	NOUN
cjfa-16353	181	21	in	in	ADP
cjfa-16353	181	22	total	total	ADJ
cjfa-16353	181	23	liabilities	liability	NOUN
cjfa-16353	181	24	does	do	AUX
cjfa-16353	181	25	not	not	PART
cjfa-16353	181	26	lead	lead	VERB
cjfa-16353	181	27	to	to	ADP
cjfa-16353	181	28	the	the	DET
cjfa-16353	181	29	realization	realization	NOUN
cjfa-16353	181	30	of	of	ADP
cjfa-16353	181	31	the	the	DET
cjfa-16353	181	32	key	key	ADJ
cjfa-16353	181	33	objective	objective	NOUN
cjfa-16353	181	34	of	of	ADP
cjfa-16353	181	35	the	the	DET
cjfa-16353	181	36	cooperative	cooperative	ADJ
cjfa-16353	181	37	bank	bank	NOUN
cjfa-16353	181	38	’s	’s	PART
cjfa-16353	181	39	activity	activity	NOUN
cjfa-16353	181	40	because	because	SCONJ
cjfa-16353	181	41	the	the	DET
cjfa-16353	181	42	raised	raise	VERB
cjfa-16353	181	43	funds	fund	NOUN
cjfa-16353	181	44	can	can	AUX
cjfa-16353	181	45	be	be	AUX
cjfa-16353	181	46	transferred	transfer	VERB
cjfa-16353	181	47	to	to	ADP
cjfa-16353	181	48	other	other	ADJ
cjfa-16353	181	49	environments	environment	NOUN
cjfa-16353	181	50	.	.	PUNCT
cjfa-16353	181	51	 	 	SPACE
cjfa-16353	182	1	references	reference	NOUN
cjfa-16353	182	2	alińska	alińska	PROPN
cjfa-16353	182	3	,	,	PUNCT
cjfa-16353	182	4	a.	a.	NOUN
cjfa-16353	182	5	(	(	PUNCT
cjfa-16353	182	6	2008	2008	NUM
cjfa-16353	182	7	)	)	PUNCT
cjfa-16353	182	8	.	.	PUNCT
cjfa-16353	183	1	instytucje	instytucje	PROPN
cjfa-16353	183	2	mikrofinansowe	mikrofinansowe	PROPN
cjfa-16353	183	3	w	w	PROPN
cjfa-16353	183	4	lokalnym	lokalnym	PROPN
cjfa-16353	183	5	rozwoju	rozwoju	PROPN
cjfa-16353	183	6	społeczno	społeczno	ADJ
cjfa-16353	183	7	-	-	PUNCT
cjfa-16353	183	8	 	 	SPACE
cjfa-16353	183	9	gospodarczym	gospodarczym	NOUN
cjfa-16353	183	10	.	.	PUNCT
cjfa-16353	184	1	(	(	PUNCT
cjfa-16353	184	2	micro	micro	ADJ
cjfa-16353	184	3	-	-	ADJ
cjfa-16353	184	4	financial	financial	ADJ
cjfa-16353	184	5	institutions	institution	NOUN
cjfa-16353	184	6	in	in	ADP
cjfa-16353	184	7	local	local	ADJ
cjfa-16353	184	8	socio	socio	NOUN
cjfa-16353	184	9	-	-	PUNCT
cjfa-16353	184	10	economic	economic	ADJ
cjfa-16353	184	11	development	development	NOUN
cjfa-16353	184	12	.	.	PUNCT
cjfa-16353	184	13	)	)	PUNCT
cjfa-16353	184	14	.	.	PUNCT
cjfa-16353	185	1	warszawa	warszawa	PROPN
cjfa-16353	185	2	:	:	PUNCT
cjfa-16353	185	3	wydawnictwo	wydawnictwo	PROPN
cjfa-16353	185	4	sgh	sgh	PROPN
cjfa-16353	185	5	,	,	PUNCT
cjfa-16353	185	6	monografie	monografie	PROPN
cjfa-16353	185	7	i	i	PRON
cjfa-16353	185	8	opracowania	opracowania	PROPN
cjfa-16353	185	9	,	,	PUNCT
cjfa-16353	185	10	nr	nr	PROPN
cjfa-16353	185	11	558	558	NUM
cjfa-16353	185	12	,	,	PUNCT
cjfa-16353	185	13	248–256	248–256	NUM
cjfa-16353	185	14	.	.	PUNCT
cjfa-16353	185	15	becchetti	becchetti	PROPN
cjfa-16353	185	16	,	,	PUNCT
cjfa-16353	185	17	l.	l.	PROPN
cjfa-16353	185	18	,	,	PUNCT
cjfa-16353	185	19	ciciretti	ciciretti	PROPN
cjfa-16353	185	20	,	,	PUNCT
cjfa-16353	185	21	r.	r.	PROPN
cjfa-16353	185	22	&	&	CCONJ
cjfa-16353	185	23	paolantonio	paolantonio	PROPN
cjfa-16353	185	24	,	,	PUNCT
cjfa-16353	185	25	a.	a.	NOUN
cjfa-16353	185	26	(	(	PUNCT
cjfa-16353	185	27	2016	2016	NUM
cjfa-16353	185	28	)	)	PUNCT
cjfa-16353	185	29	.	.	PUNCT
cjfa-16353	186	1	the	the	DET
cjfa-16353	186	2	cooperative	cooperative	ADJ
cjfa-16353	186	3	bank	bank	NOUN
cjfa-16353	186	4	difference	difference	NOUN
cjfa-16353	186	5	before	before	ADV
cjfa-16353	186	6	and	and	CCONJ
cjfa-16353	186	7	after	after	ADP
cjfa-16353	186	8	financial	financial	ADJ
cjfa-16353	186	9	crisis	crisis	NOUN
cjfa-16353	186	10	.	.	PUNCT
cjfa-16353	187	1	journal	journal	PROPN
cjfa-16353	187	2	of	of	ADP
cjfa-16353	187	3	international	international	ADJ
cjfa-16353	187	4	money	money	NOUN
cjfa-16353	187	5	and	and	CCONJ
cjfa-16353	187	6	finance	finance	NOUN
cjfa-16353	187	7	,	,	PUNCT
cjfa-16353	187	8	69	69	NUM
cjfa-16353	187	9	,	,	PUNCT
cjfa-16353	187	10	224	224	NUM
cjfa-16353	187	11	–	–	PUNCT
cjfa-16353	187	12	–	–	PUNCT
cjfa-16353	187	13	246	246	NUM
cjfa-16353	187	14	.	.	PUNCT
cjfa-16353	188	1	http://doi.org/10.1016/j.jimonfin.2016.06.016	http://doi.org/10.1016/j.jimonfin.2016.06.016	PROPN
cjfa-16353	188	2	.	.	PUNCT
cjfa-16353	189	1	maria	maria	PROPN
cjfa-16353	189	2	magdalena	magdalena	PROPN
cjfa-16353	189	3	golec32	golec32	PROPN
cjfa-16353	189	4	boscia	boscia	PROPN
cjfa-16353	189	5	,	,	PUNCT
cjfa-16353	189	6	v.	v.	PROPN
cjfa-16353	189	7	,	,	PUNCT
cjfa-16353	189	8	&	&	CCONJ
cjfa-16353	189	9	di	di	PROPN
cjfa-16353	189	10	salvio	salvio	PROPN
cjfa-16353	189	11	,	,	PUNCT
cjfa-16353	189	12	r.	r.	PROPN
cjfa-16353	189	13	(	(	PUNCT
cjfa-16353	189	14	2009	2009	NUM
cjfa-16353	189	15	)	)	PUNCT
cjfa-16353	189	16	.	.	PUNCT
cjfa-16353	190	1	the	the	DET
cjfa-16353	190	2	theory	theory	NOUN
cjfa-16353	190	3	and	and	CCONJ
cjfa-16353	190	4	experience	experience	NOUN
cjfa-16353	190	5	of	of	ADP
cjfa-16353	190	6	cooperative	cooperative	ADJ
cjfa-16353	190	7	banking	banking	NOUN
cjfa-16353	190	8	,	,	PUNCT
cjfa-16353	190	9	9–39	9–39	PROPN
cjfa-16353	190	10	.	.	PUNCT
cjfa-16353	191	1	in	in	ADP
cjfa-16353	191	2	v.	v.	ADP
cjfa-16353	191	3	boscia	boscia	PROPN
cjfa-16353	191	4	,	,	PUNCT
cjfa-16353	191	5	a.	a.	NOUN
cjfa-16353	191	6	caretta	caretta	PROPN
cjfa-16353	191	7	,	,	PUNCT
cjfa-16353	191	8	p.	p.	NOUN
cjfa-16353	191	9	schwizer	schwizer	NOUN
cjfa-16353	191	10	(	(	PUNCT
cjfa-16353	191	11	eds	ed	NOUN
cjfa-16353	191	12	.	.	PUNCT
cjfa-16353	191	13	)	)	PUNCT
cjfa-16353	191	14	.	.	PUNCT
cjfa-16353	192	1	cooperative	cooperative	ADJ
cjfa-16353	192	2	banking	banking	NOUN
cjfa-16353	192	3	:	:	PUNCT
cjfa-16353	192	4	innovations	innovation	NOUN
cjfa-16353	192	5	and	and	CCONJ
cjfa-16353	192	6	developments	development	NOUN
cjfa-16353	192	7	.	.	PUNCT
cjfa-16353	193	1	london	london	PROPN
cjfa-16353	193	2	:	:	PUNCT
cjfa-16353	193	3	palgrave	palgrave	PROPN
cjfa-16353	193	4	macmillan	macmillan	PROPN
cjfa-16353	193	5	.	.	PUNCT
cjfa-16353	194	1	http://dx.doi.org/10.1057/9780230235786	http://dx.doi.org/10.1057/9780230235786	PROPN
cjfa-16353	194	2	.	.	PUNCT
cjfa-16353	195	1	czopur	czopur	PROPN
cjfa-16353	195	2	,	,	PUNCT
cjfa-16353	195	3	s.	s.	PROPN
cjfa-16353	195	4	(	(	PUNCT
cjfa-16353	195	5	2012	2012	NUM
cjfa-16353	195	6	)	)	PUNCT
cjfa-16353	195	7	,	,	PUNCT
cjfa-16353	195	8	kapitał	kapitał	VERB
cjfa-16353	195	9	finansowy	finansowy	PROPN
cjfa-16353	195	10	banków	banków	PROPN
cjfa-16353	195	11	spółdzielczych	spółdzielczych	PROPN
cjfa-16353	195	12	.	.	PUNCT
cjfa-16353	196	1	(	(	PUNCT
cjfa-16353	196	2	financial	financial	ADJ
cjfa-16353	196	3	capital	capital	NOUN
cjfa-16353	196	4	of	of	ADP
cjfa-16353	196	5	cooperative	cooperative	ADJ
cjfa-16353	196	6	banks	bank	NOUN
cjfa-16353	196	7	.	.	PUNCT
cjfa-16353	196	8	)	)	PUNCT
cjfa-16353	196	9	.	.	PUNCT
cjfa-16353	197	1	warszawa	warszawa	PROPN
cjfa-16353	197	2	:	:	PUNCT
cjfa-16353	197	3	cedewu	cedewu	NOUN
cjfa-16353	197	4	.	.	PUNCT
cjfa-16353	198	1	dańska	dańska	PROPN
cjfa-16353	198	2	-	-	PUNCT
cjfa-16353	198	3	borsiak	borsiak	PROPN
cjfa-16353	198	4	,	,	PUNCT
cjfa-16353	198	5	b.	b.	PROPN
cjfa-16353	198	6	(	(	PUNCT
cjfa-16353	198	7	2011	2011	NUM
cjfa-16353	198	8	)	)	PUNCT
cjfa-16353	198	9	.	.	PUNCT
cjfa-16353	199	1	dynamiczne	dynamiczne	PROPN
cjfa-16353	199	2	modele	modele	PROPN
cjfa-16353	199	3	panelowe	panelowe	PROPN
cjfa-16353	199	4	w	w	PROPN
cjfa-16353	199	5	badaniach	badaniach	ADJ
cjfa-16353	199	6	ekonomicznych	ekonomicznych	PROPN
cjfa-16353	199	7	.	.	PUNCT
cjfa-16353	200	1	(	(	PUNCT
cjfa-16353	200	2	dynamic	dynamic	ADJ
cjfa-16353	200	3	panel	panel	NOUN
cjfa-16353	200	4	models	model	NOUN
cjfa-16353	200	5	in	in	ADP
cjfa-16353	200	6	economic	economic	ADJ
cjfa-16353	200	7	research	research	NOUN
cjfa-16353	200	8	.	.	PUNCT
cjfa-16353	200	9	)	)	PUNCT
cjfa-16353	201	1	łódź	łódź	PROPN
cjfa-16353	201	2	:	:	PUNCT
cjfa-16353	201	3	wydawnictwo	wydawnictwo	PROPN
cjfa-16353	201	4	uniwersytetu	uniwersytetu	VERB
cjfa-16353	201	5	łódzkiego	łódzkiego	ADJ
cjfa-16353	201	6	,	,	PUNCT
cjfa-16353	201	7	39–72	39–72	NUM
cjfa-16353	201	8	.	.	PUNCT
cjfa-16353	202	1	fonteyne	fonteyne	NOUN
cjfa-16353	202	2	,	,	PUNCT
cjfa-16353	202	3	w.	w.	NOUN
cjfa-16353	202	4	(	(	PUNCT
cjfa-16353	202	5	2007	2007	NUM
cjfa-16353	202	6	)	)	PUNCT
cjfa-16353	202	7	.	.	PUNCT
cjfa-16353	203	1	cooperative	cooperative	ADJ
cjfa-16353	203	2	banks	bank	NOUN
cjfa-16353	203	3	in	in	ADP
cjfa-16353	203	4	europe	europe	PROPN
cjfa-16353	203	5	–	–	PUNCT
cjfa-16353	203	6	policy	policy	NOUN
cjfa-16353	203	7	issues	issue	NOUN
cjfa-16353	203	8	.	.	PUNCT
cjfa-16353	204	1	imf	imf	PROPN
cjfa-16353	204	2	working	working	PROPN
cjfa-16353	204	3	paper	paper	NOUN
cjfa-16353	204	4	,	,	PUNCT
cjfa-16353	204	5	nr	nr	PROPN
cjfa-16353	204	6	157	157	NUM
cjfa-16353	204	7	.	.	PUNCT
cjfa-16353	205	1	giagnocavo	giagnocavo	VERB
cjfa-16353	205	2	,	,	PUNCT
cjfa-16353	205	3	c.	c.	PROPN
cjfa-16353	205	4	,	,	PUNCT
cjfa-16353	205	5	&	&	CCONJ
cjfa-16353	205	6	gerez	gerez	PROPN
cjfa-16353	205	7	,	,	PUNCT
cjfa-16353	205	8	s.	s.	PROPN
cjfa-16353	205	9	(	(	PUNCT
cjfa-16353	205	10	2012	2012	NUM
cjfa-16353	205	11	)	)	PUNCT
cjfa-16353	205	12	.	.	PUNCT
cjfa-16353	206	1	cooperative	cooperative	ADJ
cjfa-16353	206	2	bank	bank	NOUN
cjfa-16353	206	3	strategies	strategy	NOUN
cjfa-16353	206	4	for	for	ADP
cjfa-16353	206	5	social	social	ADJ
cjfa-16353	206	6	-	-	PUNCT
cjfa-16353	206	7	economic	economic	ADJ
cjfa-16353	206	8	problem	problem	NOUN
cjfa-16353	206	9	solving	solve	VERB
cjfa-16353	206	10	:	:	PUNCT
cjfa-16353	206	11	supporting	support	VERB
cjfa-16353	206	12	social	social	ADJ
cjfa-16353	206	13	enterprise	enterprise	NOUN
cjfa-16353	206	14	and	and	CCONJ
cjfa-16353	206	15	local	local	ADJ
cjfa-16353	206	16	development	development	NOUN
cjfa-16353	206	17	.	.	PUNCT
cjfa-16353	207	1	annals	annal	NOUN
cjfa-16353	207	2	of	of	ADP
cjfa-16353	207	3	public	public	ADJ
cjfa-16353	207	4	and	and	CCONJ
cjfa-16353	207	5	cooperative	cooperative	ADJ
cjfa-16353	207	6	economics	economic	NOUN
cjfa-16353	207	7	,	,	PUNCT
cjfa-16353	207	8	no	no	DET
cjfa-16353	207	9	83:3	83:3	NUM
cjfa-16353	207	10	,	,	PUNCT
cjfa-16353	207	11	281–315	281–315	NUM
cjfa-16353	207	12	.	.	PUNCT
cjfa-16353	208	1	http://dx.doi.org/10.1111/j.14678292.2012.00464.x	http://dx.doi.org/10.1111/j.14678292.2012.00464.x	PROPN
cjfa-16353	208	2	.	.	PUNCT
cjfa-16353	209	1	golec	golec	PROPN
cjfa-16353	209	2	,	,	PUNCT
cjfa-16353	209	3	m.m	m.m	PROPN
cjfa-16353	209	4	.	.	PROPN
cjfa-16353	209	5	(	(	PUNCT
cjfa-16353	209	6	2010	2010	NUM
cjfa-16353	209	7	)	)	PUNCT
cjfa-16353	209	8	.	.	PUNCT
cjfa-16353	210	1	społeczne	społeczne	PROPN
cjfa-16353	211	1	uwarunkowania	uwarunkowania	PROPN
cjfa-16353	211	2	działalności	działalności	PROPN
cjfa-16353	211	3	banków	banków	PROPN
cjfa-16353	211	4	spółdzielczych	spółdzielczych	PROPN
cjfa-16353	211	5	,	,	PUNCT
cjfa-16353	211	6	63–79	63–79	ADV
cjfa-16353	211	7	(	(	PUNCT
cjfa-16353	211	8	social	social	ADJ
cjfa-16353	211	9	determinants	determinant	NOUN
cjfa-16353	211	10	of	of	ADP
cjfa-16353	211	11	cooperative	cooperative	ADJ
cjfa-16353	211	12	banks	bank	NOUN
cjfa-16353	211	13	’	'	PUNCT
cjfa-16353	211	14	activity	activity	NOUN
cjfa-16353	211	15	.	.	PUNCT
cjfa-16353	211	16	)	)	PUNCT
cjfa-16353	211	17	.	.	PUNCT
cjfa-16353	212	1	in	in	ADP
cjfa-16353	212	2	m.	m.	PROPN
cjfa-16353	212	3	stefański	stefański	PROPN
cjfa-16353	212	4	(	(	PUNCT
cjfa-16353	212	5	ed	ed	NOUN
cjfa-16353	212	6	.	.	PUNCT
cjfa-16353	212	7	)	)	PUNCT
cjfa-16353	212	8	.	.	PUNCT
cjfa-16353	213	1	banki	banki	PROPN
cjfa-16353	213	2	spółdzielcze	spółdzielcze	PROPN
cjfa-16353	213	3	w	w	PROPN
cjfa-16353	213	4	polsce	polsce	PROPN
cjfa-16353	214	1	w	w	PROPN
cjfa-16353	214	2	warunkach	warunkach	ADJ
cjfa-16353	214	3	kryzysu	kryzysu	NOUN
cjfa-16353	214	4	finansowego	finansowego	PROPN
cjfa-16353	215	1	i	i	PRON
cjfa-16353	215	2	gospodarczego	gospodarczego	NOUN
cjfa-16353	215	3	.	.	PUNCT
cjfa-16353	216	1	(	(	PUNCT
cjfa-16353	216	2	cooperative	cooperative	ADJ
cjfa-16353	216	3	banks	bank	NOUN
cjfa-16353	216	4	in	in	ADP
cjfa-16353	216	5	poland	poland	PROPN
cjfa-16353	216	6	in	in	ADP
cjfa-16353	216	7	the	the	DET
cjfa-16353	216	8	financial	financial	ADJ
cjfa-16353	216	9	and	and	CCONJ
cjfa-16353	216	10	economic	economic	ADJ
cjfa-16353	216	11	crisis	crisis	NOUN
cjfa-16353	216	12	conditions	condition	NOUN
cjfa-16353	216	13	.	.	PUNCT
cjfa-16353	216	14	)	)	PUNCT
cjfa-16353	217	1	włocławek	włocławek	NOUN
cjfa-16353	217	2	:	:	PUNCT
cjfa-16353	217	3	wyższa	wyższa	PROPN
cjfa-16353	217	4	szkoła	szkoła	PROPN
cjfa-16353	217	5	humanistyczno	humanistyczno	PROPN
cjfa-16353	217	6	-	-	PUNCT
cjfa-16353	217	7	ekonomiczna	ekonomiczna	PROPN
cjfa-16353	217	8	we	we	PRON
cjfa-16353	217	9	włocławku	włocławku	VERB
cjfa-16353	217	10	.	.	PUNCT
cjfa-16353	218	1	golec	golec	PROPN
cjfa-16353	218	2	,	,	PUNCT
cjfa-16353	218	3	m.m	m.m	PROPN
cjfa-16353	218	4	.	.	PROPN
cjfa-16353	218	5	(	(	PUNCT
cjfa-16353	218	6	2016	2016	NUM
cjfa-16353	218	7	)	)	PUNCT
cjfa-16353	218	8	.	.	PUNCT
cjfa-16353	219	1	instytucje	instytucje	VERB
cjfa-16353	219	2	i	i	PRON
cjfa-16353	219	3	usługi	usługi	PROPN
cjfa-16353	219	4	bankowe	bankowe	NOUN
cjfa-16353	219	5	.	.	PUNCT
cjfa-16353	220	1	(	(	PUNCT
cjfa-16353	220	2	institutions	institution	NOUN
cjfa-16353	220	3	and	and	CCONJ
cjfa-16353	220	4	banking	banking	NOUN
cjfa-16353	220	5	services	service	NOUN
cjfa-16353	220	6	.	.	PUNCT
cjfa-16353	220	7	)	)	PUNCT
cjfa-16353	220	8	poznań	poznań	NOUN
cjfa-16353	220	9	:	:	PUNCT
cjfa-16353	220	10	wydawnictwo	wydawnictwo	PROPN
cjfa-16353	220	11	wyższej	wyższej	VERB
cjfa-16353	220	12	szkoły	szkoły	NOUN
cjfa-16353	220	13	bankowej	bankowej	PROPN
cjfa-16353	220	14	w	w	PROPN
cjfa-16353	220	15	poznaniu	poznaniu	PROPN
cjfa-16353	220	16	,	,	PUNCT
cjfa-16353	220	17	11–70	11–70	NUM
cjfa-16353	220	18	.	.	PUNCT
cjfa-16353	221	1	gostomski	gostomski	PROPN
cjfa-16353	221	2	,	,	PUNCT
cjfa-16353	221	3	e.	e.	PROPN
cjfa-16353	221	4	(	(	PUNCT
cjfa-16353	221	5	2010	2010	NUM
cjfa-16353	221	6	)	)	PUNCT
cjfa-16353	221	7	.	.	PUNCT
cjfa-16353	222	1	bankowość	bankowość	PROPN
cjfa-16353	222	2	międzynarodowa	międzynarodowa	PROPN
cjfa-16353	222	3	,	,	PUNCT
cjfa-16353	222	4	(	(	PUNCT
cjfa-16353	222	5	international	international	ADJ
cjfa-16353	222	6	banking	banking	NOUN
cjfa-16353	222	7	.	.	PUNCT
cjfa-16353	222	8	)	)	PUNCT
cjfa-16353	223	1	gdańsk	gdańsk	NOUN
cjfa-16353	223	2	,	,	PUNCT
cjfa-16353	223	3	245–256	245–256	NUM
cjfa-16353	223	4	.	.	PUNCT
cjfa-16353	224	1	groeneveld	groeneveld	PROPN
cjfa-16353	224	2	,	,	PUNCT
cjfa-16353	224	3	h.	h.	PROPN
cjfa-16353	224	4	(	(	PUNCT
cjfa-16353	224	5	2017	2017	NUM
cjfa-16353	224	6	)	)	PUNCT
cjfa-16353	224	7	.	.	PUNCT
cjfa-16353	225	1	snapshot	snapshot	NOUN
cjfa-16353	225	2	of	of	ADP
cjfa-16353	225	3	european	european	PROPN
cjfa-16353	225	4	co	co	ADJ
cjfa-16353	225	5	-	-	ADJ
cjfa-16353	225	6	operative	operative	ADJ
cjfa-16353	225	7	banking	banking	NOUN
cjfa-16353	225	8	2017	2017	NUM
cjfa-16353	225	9	.	.	PUNCT
cjfa-16353	226	1	brussels	brussels	PROPN
cjfa-16353	226	2	:	:	PUNCT
cjfa-16353	226	3	eacb	eacb	NOUN
cjfa-16353	226	4	,	,	PUNCT
cjfa-16353	226	5	tias	tias	PROPN
cjfa-16353	226	6	.	.	PUNCT
cjfa-16353	226	7	kata	kata	PROPN
cjfa-16353	226	8	,	,	PUNCT
cjfa-16353	226	9	r.	r.	PROPN
cjfa-16353	226	10	(	(	PUNCT
cjfa-16353	226	11	2011	2011	NUM
cjfa-16353	226	12	)	)	PUNCT
cjfa-16353	226	13	.	.	PUNCT
cjfa-16353	227	1	endogeniczne	endogeniczne	X
cjfa-16353	227	2	i	i	PRON
cjfa-16353	227	3	instytucjonalne	instytucjonalne	VERB
cjfa-16353	227	4	czynniki	czynniki	PROPN
cjfa-16353	227	5	kształtujące	kształtujące	PROPN
cjfa-16353	227	6	powiązania	powiązania	PROPN
cjfa-16353	227	7	finansowe	finansowe	PROPN
cjfa-16353	227	8	gospodarstw	gospodarstw	PROPN
cjfa-16353	227	9	rolnych	rolnych	PROPN
cjfa-16353	227	10	z	z	PROPN
cjfa-16353	227	11	bankami	bankami	PROPN
cjfa-16353	227	12	(	(	PUNCT
cjfa-16353	227	13	endogenous	endogenous	ADJ
cjfa-16353	227	14	and	and	CCONJ
cjfa-16353	227	15	institutional	institutional	ADJ
cjfa-16353	227	16	factors	factor	NOUN
cjfa-16353	227	17	determining	determine	VERB
cjfa-16353	227	18	financial	financial	ADJ
cjfa-16353	227	19	relationship	relationship	NOUN
cjfa-16353	227	20	between	between	ADP
cjfa-16353	227	21	agricultural	agricultural	ADJ
cjfa-16353	227	22	holdings	holding	NOUN
cjfa-16353	227	23	and	and	CCONJ
cjfa-16353	227	24	banks	bank	NOUN
cjfa-16353	227	25	.	.	PUNCT
cjfa-16353	227	26	)	)	PUNCT
cjfa-16353	227	27	.	.	PUNCT
cjfa-16353	228	1	prace	prace	PROPN
cjfa-16353	228	2	naukowe	naukowe	PROPN
cjfa-16353	228	3	wydziału	wydziału	PROPN
cjfa-16353	228	4	ekonomii	ekonomii	PROPN
cjfa-16353	228	5	uniwersytetu	uniwersytetu	PROPN
cjfa-16353	228	6	rzeszowskiego	rzeszowskiego	PROPN
cjfa-16353	228	7	,	,	PUNCT
cjfa-16353	228	8	seria	seria	PROPN
cjfa-16353	228	9	:	:	PUNCT
cjfa-16353	228	10	monografie	monografie	PROPN
cjfa-16353	228	11	i	i	PRON
cjfa-16353	228	12	opracowania	opracowania	PROPN
cjfa-16353	228	13	,	,	PUNCT
cjfa-16353	228	14	nr	nr	PROPN
cjfa-16353	228	15	14	14	NUM
cjfa-16353	228	16	,	,	PUNCT
cjfa-16353	228	17	rzeszów	rzeszów	NOUN
cjfa-16353	228	18	,	,	PUNCT
cjfa-16353	228	19	82–145	82–145	PROPN
cjfa-16353	228	20	.	.	PUNCT
cjfa-16353	228	21	kozłowski	kozłowski	PROPN
cjfa-16353	228	22	,	,	PUNCT
cjfa-16353	228	23	ł	ł	PROPN
cjfa-16353	228	24	.	.	PROPN
cjfa-16353	228	25	(	(	PUNCT
cjfa-16353	228	26	2016	2016	NUM
cjfa-16353	228	27	)	)	PUNCT
cjfa-16353	228	28	.	.	PUNCT
cjfa-16353	229	1	banki	banki	PROPN
cjfa-16353	229	2	spółdzielcze	spółdzielcze	VERB
cjfa-16353	229	3	a	a	DET
cjfa-16353	229	4	deponenci	deponenci	ADJ
cjfa-16353	229	5	.	.	PUNCT
cjfa-16353	230	1	empiryczna	empiryczna	PROPN
cjfa-16353	230	2	analiza	analiza	PROPN
cjfa-16353	230	3	oddziaływań	oddziaływań	ADV
cjfa-16353	230	4	dyscyplinujących	dyscyplinujących	NOUN
cjfa-16353	230	5	.	.	PUNCT
cjfa-16353	231	1	(	(	PUNCT
cjfa-16353	231	2	cooperative	cooperative	ADJ
cjfa-16353	231	3	banks	bank	NOUN
cjfa-16353	231	4	and	and	CCONJ
cjfa-16353	231	5	depositors	depositor	NOUN
cjfa-16353	231	6	:	:	PUNCT
cjfa-16353	231	7	an	an	DET
cjfa-16353	231	8	empirical	empirical	ADJ
cjfa-16353	231	9	analysis	analysis	NOUN
cjfa-16353	231	10	of	of	ADP
cjfa-16353	231	11	disciplinary	disciplinary	ADJ
cjfa-16353	231	12	interactions	interaction	NOUN
cjfa-16353	231	13	.	.	PUNCT
cjfa-16353	231	14	)	)	PUNCT
cjfa-16353	231	15	warszawa	warszawa	PROPN
cjfa-16353	231	16	:	:	PUNCT
cjfa-16353	231	17	wydawnictwo	wydawnictwo	ADJ
cjfa-16353	231	18	poltext	poltext	NOUN
cjfa-16353	231	19	,	,	PUNCT
cjfa-16353	231	20	65–90	65–90	NOUN
cjfa-16353	231	21	.	.	PUNCT
cjfa-16353	232	1	rzerzycka	rzerzycka	PROPN
cjfa-16353	232	2	,	,	PUNCT
cjfa-16353	232	3	a.	a.	PROPN
cjfa-16353	232	4	,	,	PUNCT
cjfa-16353	232	5	&	&	CCONJ
cjfa-16353	232	6	golanowska	golanowska	PROPN
cjfa-16353	232	7	-	-	PUNCT
cjfa-16353	232	8	witkowska	witkowska	NOUN
cjfa-16353	232	9	,	,	PUNCT
cjfa-16353	232	10	g.	g.	PROPN
cjfa-16353	232	11	(	(	PUNCT
cjfa-16353	232	12	2005	2005	NUM
cjfa-16353	232	13	)	)	PUNCT
cjfa-16353	232	14	.	.	PUNCT
cjfa-16353	233	1	determinanty	determinanty	PROPN
cjfa-16353	233	2	rozwoju	rozwoju	PROPN
cjfa-16353	233	3	banków	banków	ADP
cjfa-16353	233	4	spółdzielczych	spółdzielczych	PROPN
cjfa-16353	233	5	w	w	PROPN
cjfa-16353	233	6	polsce	polsce	PROPN
cjfa-16353	233	7	.	.	PUNCT
cjfa-16353	234	1	(	(	PUNCT
cjfa-16353	234	2	determinants	determinant	NOUN
cjfa-16353	234	3	of	of	ADP
cjfa-16353	234	4	the	the	DET
cjfa-16353	234	5	development	development	NOUN
cjfa-16353	234	6	of	of	ADP
cjfa-16353	234	7	cooperative	cooperative	ADJ
cjfa-16353	234	8	banks	bank	NOUN
cjfa-16353	234	9	in	in	ADP
cjfa-16353	234	10	poland	poland	PROPN
cjfa-16353	234	11	.	.	PUNCT
cjfa-16353	234	12	)	)	PUNCT
cjfa-16353	234	13	.	.	PUNCT
cjfa-16353	235	1	pieniądze	pieniądze	VERB
cjfa-16353	235	2	i	i	PRON
cjfa-16353	235	3	więź	więź	VERB
cjfa-16353	235	4	,	,	PUNCT
cjfa-16353	235	5	nr	nr	PROPN
cjfa-16353	235	6	4	4	NUM
cjfa-16353	235	7	,	,	PUNCT
cjfa-16353	235	8	105–112	105–112	NUM
cjfa-16353	235	9	.	.	PUNCT
cjfa-16353	236	1	siudek	siudek	NOUN
cjfa-16353	236	2	,	,	PUNCT
cjfa-16353	236	3	t.	t.	PROPN
cjfa-16353	236	4	(	(	PUNCT
cjfa-16353	236	5	2011	2011	NUM
cjfa-16353	236	6	)	)	PUNCT
cjfa-16353	236	7	.	.	PUNCT
cjfa-16353	237	1	bankowość	bankowość	NOUN
cjfa-16353	237	2	spółdzielcza	spółdzielcza	PROPN
cjfa-16353	237	3	w	w	PROPN
cjfa-16353	237	4	polsce	polsce	PROPN
cjfa-16353	237	5	w	w	PROPN
cjfa-16353	237	6	wybranych	wybranych	PROPN
cjfa-16353	237	7	krajach	krajach	PROPN
cjfa-16353	237	8	unii	unii	PROPN
cjfa-16353	237	9	europejskiej	europejskiej	PROPN
cjfa-16353	237	10	–	–	PUNCT
cjfa-16353	237	11	wymiar	wymiar	NOUN
cjfa-16353	237	12	ekonomiczny	ekonomiczny	NOUN
cjfa-16353	237	13	,	,	PUNCT
cjfa-16353	237	14	organizacyjny	organizacyjny	NOUN
cjfa-16353	237	15	i	i	PRON
cjfa-16353	237	16	społeczny	społeczny	VERB
cjfa-16353	237	17	.	.	PUNCT
cjfa-16353	238	1	(	(	PUNCT
cjfa-16353	238	2	cooperative	cooperative	ADJ
cjfa-16353	238	3	banks	bank	NOUN
cjfa-16353	238	4	in	in	ADP
cjfa-16353	238	5	poland	poland	PROPN
cjfa-16353	238	6	and	and	CCONJ
cjfa-16353	238	7	selected	select	VERB
cjfa-16353	238	8	european	european	PROPN
cjfa-16353	238	9	union	union	PROPN
cjfa-16353	238	10	countries	country	NOUN
cjfa-16353	238	11	-	-	PUNCT
cjfa-16353	238	12	economic	economic	ADJ
cjfa-16353	238	13	,	,	PUNCT
cjfa-16353	238	14	organizational	organizational	ADJ
cjfa-16353	238	15	nad	nad	ADJ
cjfa-16353	238	16	social	social	ADJ
cjfa-16353	238	17	perspectives	perspective	NOUN
cjfa-16353	238	18	.	.	PUNCT
cjfa-16353	238	19	)	)	PUNCT
cjfa-16353	239	1	warszawa	warszawa	PROPN
cjfa-16353	239	2	:	:	PUNCT
cjfa-16353	239	3	wydawnictwo	wydawnictwo	PROPN
cjfa-16353	239	4	sggw	sggw	NOUN
cjfa-16353	239	5	,	,	PUNCT
cjfa-16353	239	6	265–288	265–288	NUM
cjfa-16353	239	7	.	.	PUNCT
cjfa-16353	240	1	szambelańczyk	szambelańczyk	NOUN
cjfa-16353	240	2	,	,	PUNCT
cjfa-16353	240	3	j.	j.	PROPN
cjfa-16353	240	4	,	,	PUNCT
cjfa-16353	240	5	&	&	CCONJ
cjfa-16353	240	6	ławrynowicz	ławrynowicz	PROPN
cjfa-16353	240	7	,	,	PUNCT
cjfa-16353	240	8	m.	m.	NOUN
cjfa-16353	240	9	(	(	PUNCT
cjfa-16353	240	10	2003	2003	NUM
cjfa-16353	240	11	)	)	PUNCT
cjfa-16353	240	12	.	.	PUNCT
cjfa-16353	241	1	transfer	transfer	VERB
cjfa-16353	241	2	pieniądza	pieniądza	ADV
cjfa-16353	241	3	na	na	INTJ
cjfa-16353	241	4	rynkach	rynkach	NOUN
cjfa-16353	241	5	lokalnych	lokalnych	VERB
cjfa-16353	241	6	w	w	PROPN
cjfa-16353	241	7	strukturze	strukturze	PROPN
cjfa-16353	241	8	spółdzielczego	spółdzielczego	PROPN
cjfa-16353	241	9	sektora	sektora	PROPN
cjfa-16353	241	10	bankowego	bankowego	PROPN
cjfa-16353	241	11	w	w	PROPN
cjfa-16353	241	12	polsce	polsce	PROPN
cjfa-16353	241	13	.	.	PUNCT
cjfa-16353	242	1	(	(	PUNCT
cjfa-16353	242	2	transfer	transfer	NOUN
cjfa-16353	242	3	of	of	ADP
cjfa-16353	242	4	money	money	NOUN
cjfa-16353	242	5	on	on	ADP
cjfa-16353	242	6	local	local	ADJ
cjfa-16353	242	7	markets	market	NOUN
cjfa-16353	242	8	in	in	ADP
cjfa-16353	242	9	the	the	DET
cjfa-16353	242	10	structure	structure	NOUN
cjfa-16353	242	11	of	of	ADP
cjfa-16353	242	12	the	the	DET
cjfa-16353	242	13	cooperative	cooperative	ADJ
cjfa-16353	242	14	banking	banking	NOUN
cjfa-16353	242	15	sector	sector	NOUN
cjfa-16353	242	16	in	in	ADP
cjfa-16353	242	17	poland	poland	PROPN
cjfa-16353	242	18	.	.	PUNCT
cjfa-16353	242	19	)	)	PUNCT
cjfa-16353	243	1	389	389	NUM
cjfa-16353	243	2	–	–	PUNCT
cjfa-16353	243	3	–	–	PUNCT
cjfa-16353	243	4	408	408	NUM
cjfa-16353	243	5	.	.	PUNCT
cjfa-16353	244	1	in	in	ADP
cjfa-16353	244	2	j.	j.	PROPN
cjfa-16353	244	3	stacharska	stacharska	PROPN
cjfa-16353	244	4	-	-	PUNCT
cjfa-16353	244	5	targosz	targosz	PROPN
cjfa-16353	244	6	(	(	PUNCT
cjfa-16353	244	7	ed	ed	NOUN
cjfa-16353	244	8	.	.	PUNCT
cjfa-16353	244	9	)	)	PUNCT
cjfa-16353	244	10	.	.	PUNCT
cjfa-16353	245	1	bankowość	bankowość	NOUN
cjfa-16353	245	2	korporacyjna	korporacyjna	VERB
cjfa-16353	245	3	i	i	PRON
cjfa-16353	245	4	inwestycyjna	inwestycyjna	ADJ
cjfa-16353	245	5	.	.	PUNCT
cjfa-16353	246	1	(	(	PUNCT
cjfa-16353	246	2	cor	cor	PROPN
cjfa-16353	246	3	locality	locality	PROPN
cjfa-16353	246	4	and	and	CCONJ
cjfa-16353	246	5	the	the	DET
cjfa-16353	246	6	transfer	transfer	NOUN
cjfa-16353	246	7	of	of	ADP
cjfa-16353	246	8	funds	fund	NOUN
cjfa-16353	246	9	in	in	ADP
cjfa-16353	246	10	the	the	DET
cjfa-16353	246	11	cooperative	cooperative	NOUN
cjfa-16353	246	12	…	…	PUNCT
cjfa-16353	246	13	33	33	NUM
cjfa-16353	246	14	porate	porate	ADJ
cjfa-16353	246	15	and	and	CCONJ
cjfa-16353	246	16	investment	investment	NOUN
cjfa-16353	246	17	banking	banking	NOUN
cjfa-16353	246	18	.	.	PUNCT
cjfa-16353	246	19	)	)	PUNCT
cjfa-16353	246	20	poznań	poznań	NOUN
cjfa-16353	246	21	:	:	PUNCT
cjfa-16353	246	22	wydawnictwo	wydawnictwo	PROPN
cjfa-16353	246	23	wyższej	wyższej	VERB
cjfa-16353	246	24	szkoły	szkoły	NOUN
cjfa-16353	246	25	bankowej	bankowej	PROPN
cjfa-16353	246	26	w	w	PROPN
cjfa-16353	246	27	poznaniu	poznaniu	PROPN
cjfa-16353	246	28	.	.	PUNCT
cjfa-16353	247	1	szambelańczyk	szambelańczyk	NOUN
cjfa-16353	247	2	,	,	PUNCT
cjfa-16353	247	3	j.	j.	PROPN
cjfa-16353	247	4	(	(	PUNCT
cjfa-16353	247	5	2006	2006	NUM
cjfa-16353	247	6	)	)	PUNCT
cjfa-16353	247	7	.	.	PUNCT
cjfa-16353	248	1	banki	banki	PROPN
cjfa-16353	248	2	spółdzielcze	spółdzielcze	PROPN
cjfa-16353	248	3	w	w	PROPN
cjfa-16353	248	4	polsce	polsce	PROPN
cjfa-16353	248	5	w	w	PROPN
cjfa-16353	248	6	procesach	procesach	NOUN
cjfa-16353	248	7	zmian	zmian	NOUN
cjfa-16353	248	8	systemowych	systemowych	NOUN
cjfa-16353	248	9	.	.	PUNCT
cjfa-16353	249	1	(	(	PUNCT
cjfa-16353	249	2	cooperative	cooperative	ADJ
cjfa-16353	249	3	banks	bank	NOUN
cjfa-16353	249	4	in	in	ADP
cjfa-16353	249	5	poland	poland	PROPN
cjfa-16353	249	6	in	in	ADP
cjfa-16353	249	7	the	the	DET
cjfa-16353	249	8	processes	process	NOUN
cjfa-16353	249	9	of	of	ADP
cjfa-16353	249	10	systemic	systemic	ADJ
cjfa-16353	249	11	changes	change	NOUN
cjfa-16353	249	12	.	.	PUNCT
cjfa-16353	249	13	)	)	PUNCT
cjfa-16353	249	14	poznań	poznań	NOUN
cjfa-16353	249	15	:	:	PUNCT
cjfa-16353	249	16	wydawnictwo	wydawnictwo	PROPN
cjfa-16353	249	17	akademii	akademii	PROPN
cjfa-16353	249	18	ekonomicznej	ekonomicznej	PROPN
cjfa-16353	249	19	w	w	PROPN
cjfa-16353	249	20	poznaniu	poznaniu	NOUN
cjfa-16353	249	21	,	,	PUNCT
cjfa-16353	249	22	111–129	111–129	NUM
cjfa-16353	249	23	.	.	PUNCT
cjfa-16353	250	1	zalcewicz	zalcewicz	PROPN
cjfa-16353	250	2	,	,	PUNCT
cjfa-16353	250	3	a.	a.	NOUN
cjfa-16353	250	4	(	(	PUNCT
cjfa-16353	250	5	2010	2010	NUM
cjfa-16353	250	6	)	)	PUNCT
cjfa-16353	250	7	.	.	PUNCT
cjfa-16353	251	1	bank	bank	PROPN
cjfa-16353	251	2	spółdzielczy	spółdzielczy	PROPN
cjfa-16353	251	3	.	.	PUNCT
cjfa-16353	252	1	aspekty	aspekty	PROPN
cjfa-16353	252	2	prawne	prawne	ADJ
cjfa-16353	252	3	tworzenia	tworzenia	NOUN
cjfa-16353	252	4	i	i	PROPN
cjfa-16353	252	5	funkcjonowania	funkcjonowania	PROPN
cjfa-16353	252	6	.	.	PUNCT
cjfa-16353	253	1	(	(	PUNCT
cjfa-16353	253	2	cooperative	cooperative	ADJ
cjfa-16353	253	3	bank	bank	NOUN
cjfa-16353	253	4	.	.	PUNCT
cjfa-16353	254	1	legal	legal	ADJ
cjfa-16353	254	2	aspects	aspect	NOUN
cjfa-16353	254	3	of	of	ADP
cjfa-16353	254	4	creation	creation	NOUN
cjfa-16353	254	5	and	and	CCONJ
cjfa-16353	254	6	functioning	functioning	NOUN
cjfa-16353	254	7	.	.	PUNCT
cjfa-16353	254	8	)	)	PUNCT
cjfa-16353	255	1	warszawa	warszawa	PROPN
cjfa-16353	255	2	:	:	PUNCT
cjfa-16353	255	3	wolters	wolters	PROPN
cjfa-16353	255	4	kluwer	kluwer	PROPN
cjfa-16353	255	5	,	,	PUNCT
cjfa-16353	255	6	163–209	163–209	NUM
cjfa-16353	255	7	.	.	PUNCT