id	sid	tid	token	lemma	pos
cjfa-21483	1	1	date	date	NOUN
cjfa-21483	1	2	of	of	ADP
cjfa-21483	1	3	submission	submission	NOUN
cjfa-21483	1	4	:	:	PUNCT
cjfa-21483	1	5	july	july	PROPN
cjfa-21483	1	6	27	27	NUM
cjfa-21483	1	7	,	,	PUNCT
cjfa-21483	1	8	2019	2019	NUM
cjfa-21483	1	9	;	;	PUNCT
cjfa-21483	1	10	date	date	NOUN
cjfa-21483	1	11	of	of	ADP
cjfa-21483	1	12	acceptance	acceptance	NOUN
cjfa-21483	1	13	:	:	PUNCT
cjfa-21483	1	14	september	september	PROPN
cjfa-21483	1	15	8	8	NUM
cjfa-21483	1	16	,	,	PUNCT
cjfa-21483	1	17	2019	2019	NUM
cjfa-21483	1	18	.	.	PUNCT
cjfa-21483	2	1	*	*	PUNCT
cjfa-21483	2	2	contact	contact	NOUN
cjfa-21483	2	3	information	information	NOUN
cjfa-21483	2	4	:	:	PUNCT
cjfa-21483	2	5	alamdar2000pk@yahoo.com	alamdar2000pk@yahoo.com	NOUN
cjfa-21483	2	6	,	,	PUNCT
cjfa-21483	2	7	universitas	universita	NOUN
cjfa-21483	2	8	airlangga	airlangga	NOUN
cjfa-21483	2	9	,	,	PUNCT
cjfa-21483	2	10	jalan	jalan	PROPN
cjfa-21483	2	11	airlangga	airlangga	PROPN
cjfa-21483	2	12	,	,	PUNCT
cjfa-21483	2	13	indonesia	indonesia	PROPN
cjfa-21483	2	14	,	,	PUNCT
cjfa-21483	2	15	phone	phone	NOUN
cjfa-21483	2	16	:	:	PUNCT
cjfa-21483	2	17	006285335301534	006285335301534	NUM
cjfa-21483	2	18	;	;	PUNCT
cjfa-21483	2	19	orcid	orcid	PROPN
cjfa-21483	3	1	i	i	NOUN
cjfa-21483	3	2	d	d	NOUN
cjfa-21483	3	3	:	:	PUNCT
cjfa-21483	3	4	https://orcid.org/0000-00021606-3714	https://orcid.org/0000-00021606-3714	PROPN
cjfa-21483	3	5	.	.	PROPN
cjfa-21483	4	1	copernican	copernican	PROPN
cjfa-21483	4	2	journal	journal	PROPN
cjfa-21483	4	3	of	of	ADP
cjfa-21483	4	4	finance	finance	PROPN
cjfa-21483	4	5	&	&	CCONJ
cjfa-21483	4	6	accounting	accounting	PROPN
cjfa-21483	4	7	e	e	PROPN
cjfa-21483	4	8	-	-	PROPN
cjfa-21483	4	9	issn	issn	PROPN
cjfa-21483	4	10	2300	2300	NUM
cjfa-21483	4	11	-	-	SYM
cjfa-21483	4	12	3065	3065	NUM
cjfa-21483	4	13	p	p	PROPN
cjfa-21483	4	14	-	-	PUNCT
cjfa-21483	4	15	issn	issn	PROPN
cjfa-21483	4	16	2300	2300	NUM
cjfa-21483	4	17	-	-	SYM
cjfa-21483	4	18	12402019	12402019	NUM
cjfa-21483	4	19	,	,	PUNCT
cjfa-21483	4	20	volume	volume	NOUN
cjfa-21483	4	21	8	8	NUM
cjfa-21483	4	22	,	,	PUNCT
cjfa-21483	4	23	issue	issue	NOUN
cjfa-21483	4	24	2	2	NUM
cjfa-21483	4	25	shah	shah	NOUN
cjfa-21483	4	26	,	,	PUNCT
cjfa-21483	4	27	s.a.a	s.a.a	NOUN
cjfa-21483	4	28	.	.	PUNCT
cjfa-21483	5	1	(	(	PUNCT
cjfa-21483	5	2	2019	2019	NUM
cjfa-21483	5	3	)	)	PUNCT
cjfa-21483	5	4	.	.	PUNCT
cjfa-21483	6	1	integration	integration	NOUN
cjfa-21483	6	2	of	of	ADP
cjfa-21483	6	3	financial	financial	ADJ
cjfa-21483	6	4	risks	risk	NOUN
cjfa-21483	6	5	with	with	ADP
cjfa-21483	6	6	non	non	ADJ
cjfa-21483	6	7	-	-	ADJ
cjfa-21483	6	8	financial	financial	ADJ
cjfa-21483	6	9	risks	risk	NOUN
cjfa-21483	6	10	:	:	PUNCT
cjfa-21483	6	11	an	an	DET
cjfa-21483	6	12	exploratory	exploratory	ADJ
cjfa-21483	6	13	study	study	NOUN
cjfa-21483	6	14	from	from	ADP
cjfa-21483	6	15	pakistani	pakistani	ADJ
cjfa-21483	6	16	context	context	NOUN
cjfa-21483	6	17	.	.	PUNCT
cjfa-21483	7	1	copernican	copernican	PROPN
cjfa-21483	7	2	journal	journal	PROPN
cjfa-21483	7	3	of	of	ADP
cjfa-21483	7	4	finance	finance	PROPN
cjfa-21483	7	5	&	&	CCONJ
cjfa-21483	7	6	accounting	accounting	PROPN
cjfa-21483	7	7	,	,	PUNCT
cjfa-21483	7	8	8(2	8(2	NUM
cjfa-21483	7	9	)	)	PUNCT
cjfa-21483	7	10	,	,	PUNCT
cjfa-21483	7	11	49–65	49–65	NUM
cjfa-21483	7	12	.	.	PUNCT
cjfa-21483	8	1	http://dx.doi	http://dx.doi	NOUN
cjfa-21483	8	2	.	.	PUNCT
cjfa-21483	9	1	org/10.12775	org/10.12775	PROPN
cjfa-21483	9	2	/	/	SYM
cjfa-21483	9	3	cjfa.2019.008	cjfa.2019.008	PROPN
cjfa-21483	9	4	syed	syed	PROPN
cjfa-21483	9	5	alamdar	alamdar	PROPN
cjfa-21483	9	6	ali	ali	PROPN
cjfa-21483	9	7	shah	shah	PROPN
cjfa-21483	9	8	*	*	PUNCT
cjfa-21483	9	9	universitas	universita	NOUN
cjfa-21483	9	10	airlangga	airlangga	NOUN
cjfa-21483	9	11	integration	integration	NOUN
cjfa-21483	9	12	of	of	ADP
cjfa-21483	9	13	financial	financial	ADJ
cjfa-21483	9	14	risks	risk	NOUN
cjfa-21483	9	15	with	with	ADP
cjfa-21483	9	16	non	non	ADJ
cjfa-21483	9	17	-	-	ADJ
cjfa-21483	9	18	financial	financial	ADJ
cjfa-21483	9	19	risks	risk	NOUN
cjfa-21483	9	20	:	:	PUNCT
cjfa-21483	9	21	an	an	DET
cjfa-21483	9	22	exploratory	exploratory	ADJ
cjfa-21483	9	23	study	study	NOUN
cjfa-21483	9	24	from	from	ADP
cjfa-21483	9	25	pakistani	pakistani	ADJ
cjfa-21483	9	26	context	context	NOUN
cjfa-21483	9	27	keywords	keyword	NOUN
cjfa-21483	9	28	:	:	PUNCT
cjfa-21483	9	29	financial	financial	ADJ
cjfa-21483	9	30	risks	risk	NOUN
cjfa-21483	9	31	,	,	PUNCT
cjfa-21483	9	32	nonfinancial	nonfinancial	ADJ
cjfa-21483	9	33	risk	risk	NOUN
cjfa-21483	9	34	,	,	PUNCT
cjfa-21483	9	35	integration	integration	NOUN
cjfa-21483	9	36	,	,	PUNCT
cjfa-21483	9	37	thematic	thematic	ADJ
cjfa-21483	9	38	analysis	analysis	NOUN
cjfa-21483	9	39	.	.	PUNCT
cjfa-21483	10	1	j	j	PROPN
cjfa-21483	10	2	e	e	NOUN
cjfa-21483	10	3	l	l	NOUN
cjfa-21483	10	4	classification	classification	NOUN
cjfa-21483	10	5	:	:	PUNCT
cjfa-21483	11	1	g210	g210	PROPN
cjfa-21483	11	2	,	,	PUNCT
cjfa-21483	11	3	f33	f33	PROPN
cjfa-21483	11	4	.	.	PUNCT
cjfa-21483	11	5	abstract	abstract	PROPN
cjfa-21483	11	6	:	:	PUNCT
cjfa-21483	11	7	this	this	DET
cjfa-21483	11	8	research	research	NOUN
cjfa-21483	11	9	seeks	seek	VERB
cjfa-21483	11	10	to	to	PART
cjfa-21483	11	11	put	put	VERB
cjfa-21483	11	12	forward	forward	ADV
cjfa-21483	11	13	a	a	DET
cjfa-21483	11	14	framework	framework	NOUN
cjfa-21483	11	15	,	,	PUNCT
cjfa-21483	11	16	from	from	ADP
cjfa-21483	11	17	the	the	DET
cjfa-21483	11	18	perspective	perspective	NOUN
cjfa-21483	11	19	of	of	ADP
cjfa-21483	11	20	practitioners	practitioner	NOUN
cjfa-21483	11	21	and	and	CCONJ
cjfa-21483	11	22	policymakers	policymaker	NOUN
cjfa-21483	11	23	in	in	ADP
cjfa-21483	11	24	pakistan	pakistan	PROPN
cjfa-21483	11	25	,	,	PUNCT
cjfa-21483	11	26	about	about	ADP
cjfa-21483	11	27	financial	financial	ADJ
cjfa-21483	11	28	and	and	CCONJ
cjfa-21483	11	29	non	non	ADJ
cjfa-21483	11	30	-	-	ADJ
cjfa-21483	11	31	financial	financial	ADJ
cjfa-21483	11	32	risks	risk	NOUN
cjfa-21483	11	33	integration	integration	NOUN
cjfa-21483	11	34	and	and	CCONJ
cjfa-21483	11	35	their	their	PRON
cjfa-21483	11	36	impact	impact	NOUN
cjfa-21483	11	37	on	on	ADP
cjfa-21483	11	38	the	the	DET
cjfa-21483	11	39	performance	performance	NOUN
cjfa-21483	11	40	of	of	ADP
cjfa-21483	11	41	financial	financial	ADJ
cjfa-21483	11	42	institutions	institution	NOUN
cjfa-21483	11	43	.	.	PUNCT
cjfa-21483	12	1	we	we	PRON
cjfa-21483	12	2	define	define	VERB
cjfa-21483	12	3	total	total	ADJ
cjfa-21483	12	4	bank	bank	NOUN
cjfa-21483	12	5	risk	risk	NOUN
cjfa-21483	12	6	in	in	ADP
cjfa-21483	12	7	terms	term	NOUN
cjfa-21483	12	8	of	of	ADP
cjfa-21483	12	9	earnings	earning	NOUN
cjfa-21483	12	10	volatility	volatility	NOUN
cjfa-21483	12	11	,	,	PUNCT
cjfa-21483	12	12	which	which	PRON
cjfa-21483	12	13	can	can	AUX
cjfa-21483	12	14	be	be	AUX
cjfa-21483	12	15	broken	break	VERB
cjfa-21483	12	16	down	down	ADP
cjfa-21483	12	17	into	into	ADP
cjfa-21483	12	18	five	five	NUM
cjfa-21483	12	19	major	major	ADJ
cjfa-21483	12	20	classes	class	NOUN
cjfa-21483	12	21	namey	namey	NOUN
cjfa-21483	12	22	:	:	PUNCT
cjfa-21483	12	23	market	market	NOUN
cjfa-21483	12	24	,	,	PUNCT
cjfa-21483	12	25	credit	credit	NOUN
cjfa-21483	12	26	,	,	PUNCT
cjfa-21483	12	27	asset	asset	NOUN
cjfa-21483	12	28	/	/	SYM
cjfa-21483	12	29	liability	liability	NOUN
cjfa-21483	12	30	,	,	PUNCT
cjfa-21483	12	31	operational	operational	ADJ
cjfa-21483	12	32	,	,	PUNCT
cjfa-21483	12	33	and	and	CCONJ
cjfa-21483	12	34	business	business	NOUN
cjfa-21483	12	35	.	.	PUNCT
cjfa-21483	13	1	out	out	ADP
cjfa-21483	13	2	of	of	ADP
cjfa-21483	13	3	these	these	DET
cjfa-21483	13	4	market	market	NOUN
cjfa-21483	13	5	,	,	PUNCT
cjfa-21483	13	6	credit	credit	NOUN
cjfa-21483	13	7	and	and	CCONJ
cjfa-21483	13	8	asset	asset	NOUN
cjfa-21483	13	9	liability	liability	NOUN
cjfa-21483	13	10	risks	risk	NOUN
cjfa-21483	13	11	are	be	AUX
cjfa-21483	13	12	financial	financial	ADJ
cjfa-21483	13	13	risks	risk	NOUN
cjfa-21483	13	14	whereas	whereas	SCONJ
cjfa-21483	13	15	operational	operational	ADJ
cjfa-21483	13	16	and	and	CCONJ
cjfa-21483	13	17	business	business	NOUN
cjfa-21483	13	18	risks	risk	NOUN
cjfa-21483	13	19	are	be	AUX
cjfa-21483	13	20	non	non	ADJ
cjfa-21483	13	21	-	-	ADJ
cjfa-21483	13	22	financial	financial	ADJ
cjfa-21483	13	23	.	.	PUNCT
cjfa-21483	14	1	based	base	VERB
cjfa-21483	14	2	on	on	ADP
cjfa-21483	14	3	the	the	DET
cjfa-21483	14	4	thematic	thematic	ADJ
cjfa-21483	14	5	analysis	analysis	NOUN
cjfa-21483	14	6	of	of	ADP
cjfa-21483	14	7	unstructured	unstructured	ADJ
cjfa-21483	14	8	interviews	interview	NOUN
cjfa-21483	14	9	of	of	ADP
cjfa-21483	14	10	experts	expert	NOUN
cjfa-21483	14	11	from	from	ADP
cjfa-21483	14	12	the	the	DET
cjfa-21483	14	13	banking	banking	NOUN
cjfa-21483	14	14	industry	industry	NOUN
cjfa-21483	14	15	we	we	PRON
cjfa-21483	14	16	position	position	VERB
cjfa-21483	14	17	five	five	NUM
cjfa-21483	14	18	sources	source	NOUN
cjfa-21483	14	19	of	of	ADP
cjfa-21483	14	20	bank	bank	NOUN
cjfa-21483	14	21	risks	risk	NOUN
cjfa-21483	14	22	.	.	PUNCT
cjfa-21483	15	1	we	we	PRON
cjfa-21483	15	2	observe	observe	VERB
cjfa-21483	15	3	that	that	SCONJ
cjfa-21483	15	4	the	the	DET
cjfa-21483	15	5	impact	impact	NOUN
cjfa-21483	15	6	of	of	ADP
cjfa-21483	15	7	financial	financial	ADJ
cjfa-21483	15	8	risks	risk	NOUN
cjfa-21483	15	9	decrease	decrease	NOUN
cjfa-21483	15	10	and	and	CCONJ
cjfa-21483	15	11	non	non	ADJ
cjfa-21483	15	12	-	-	ADJ
cjfa-21483	15	13	financial	financial	ADJ
cjfa-21483	15	14	risks	risk	NOUN
cjfa-21483	15	15	increase	increase	VERB
cjfa-21483	15	16	,	,	PUNCT
cjfa-21483	15	17	along	along	ADP
cjfa-21483	15	18	a	a	DET
cjfa-21483	15	19	spectrum	spectrum	NOUN
cjfa-21483	15	20	from	from	ADP
cjfa-21483	15	21	market	market	NOUN
cjfa-21483	15	22	risk	risk	NOUN
cjfa-21483	15	23	to	to	ADP
cjfa-21483	15	24	credit	credit	NOUN
cjfa-21483	15	25	risk	risk	NOUN
cjfa-21483	15	26	,	,	PUNCT
cjfa-21483	15	27	asset	asset	NOUN
cjfa-21483	15	28	/	/	SYM
cjfa-21483	15	29	liability	liability	NOUN
cjfa-21483	15	30	risk	risk	NOUN
cjfa-21483	15	31	,	,	PUNCT
cjfa-21483	15	32	operational	operational	ADJ
cjfa-21483	15	33	risk	risk	NOUN
cjfa-21483	15	34	,	,	PUNCT
cjfa-21483	15	35	and	and	CCONJ
cjfa-21483	15	36	business	business	NOUN
cjfa-21483	15	37	risk	risk	NOUN
cjfa-21483	15	38	.	.	PUNCT
cjfa-21483	16	1	the	the	DET
cjfa-21483	16	2	framework	framework	NOUN
cjfa-21483	16	3	from	from	ADP
cjfa-21483	16	4	this	this	DET
cjfa-21483	16	5	study	study	NOUN
cjfa-21483	16	6	could	could	AUX
cjfa-21483	16	7	also	also	ADV
cjfa-21483	16	8	be	be	AUX
cjfa-21483	16	9	used	use	VERB
cjfa-21483	16	10	to	to	PART
cjfa-21483	16	11	quantify	quantify	VERB
cjfa-21483	16	12	total	total	ADJ
cjfa-21483	16	13	bank	bank	NOUN
cjfa-21483	16	14	risks	risk	NOUN
cjfa-21483	16	15	and	and	CCONJ
cjfa-21483	16	16	contribution	contribution	NOUN
cjfa-21483	16	17	from	from	ADP
cjfa-21483	16	18	each	each	PRON
cjfa-21483	16	19	.	.	PUNCT
cjfa-21483	17	1	syed	syed	PROPN
cjfa-21483	17	2	alamdar	alamdar	PROPN
cjfa-21483	17	3	ali	ali	PROPN
cjfa-21483	17	4	shah50	shah50	PROPN
cjfa-21483	17	5	 	 	SPACE
cjfa-21483	17	6	introduction	introduction	NOUN
cjfa-21483	17	7	financial	financial	ADJ
cjfa-21483	17	8	risk	risk	NOUN
cjfa-21483	17	9	is	be	AUX
cjfa-21483	17	10	the	the	DET
cjfa-21483	17	11	subject	subject	NOUN
cjfa-21483	17	12	of	of	ADP
cjfa-21483	17	13	majority	majority	NOUN
cjfa-21483	17	14	of	of	ADP
cjfa-21483	17	15	researches	research	NOUN
cjfa-21483	17	16	(	(	PUNCT
cjfa-21483	17	17	abdullah	abdullah	PROPN
cjfa-21483	17	18	&	&	CCONJ
cjfa-21483	17	19	said	say	VERB
cjfa-21483	17	20	,	,	PUNCT
cjfa-21483	17	21	2019	2019	NUM
cjfa-21483	17	22	)	)	PUNCT
cjfa-21483	17	23	.	.	PUNCT
cjfa-21483	18	1	however	however	ADV
cjfa-21483	18	2	,	,	PUNCT
cjfa-21483	18	3	it	it	PRON
cjfa-21483	18	4	is	be	AUX
cjfa-21483	18	5	important	important	ADJ
cjfa-21483	18	6	to	to	PART
cjfa-21483	18	7	understand	understand	VERB
cjfa-21483	18	8	the	the	DET
cjfa-21483	18	9	extent	extent	NOUN
cjfa-21483	18	10	of	of	ADP
cjfa-21483	18	11	impact	impact	NOUN
cjfa-21483	18	12	of	of	ADP
cjfa-21483	18	13	financial	financial	ADJ
cjfa-21483	18	14	and	and	CCONJ
cjfa-21483	18	15	non	non	ADJ
cjfa-21483	18	16	-	-	ADJ
cjfa-21483	18	17	financial	financial	ADJ
cjfa-21483	18	18	risks	risk	NOUN
cjfa-21483	18	19	on	on	ADP
cjfa-21483	18	20	earning	earn	VERB
cjfa-21483	18	21	volatility	volatility	NOUN
cjfa-21483	18	22	of	of	ADP
cjfa-21483	18	23	a	a	DET
cjfa-21483	18	24	financial	financial	ADJ
cjfa-21483	18	25	institution	institution	NOUN
cjfa-21483	18	26	(	(	PUNCT
cjfa-21483	18	27	abdullah	abdullah	PROPN
cjfa-21483	18	28	&	&	CCONJ
cjfa-21483	18	29	said	say	VERB
cjfa-21483	18	30	,	,	PUNCT
cjfa-21483	18	31	2019	2019	NUM
cjfa-21483	18	32	)	)	PUNCT
cjfa-21483	18	33	.	.	PUNCT
cjfa-21483	19	1	in	in	ADP
cjfa-21483	19	2	this	this	DET
cjfa-21483	19	3	regard	regard	NOUN
cjfa-21483	19	4	an	an	DET
cjfa-21483	19	5	important	important	ADJ
cjfa-21483	19	6	issue	issue	NOUN
cjfa-21483	19	7	is	be	AUX
cjfa-21483	19	8	the	the	DET
cjfa-21483	19	9	knowledge	knowledge	NOUN
cjfa-21483	19	10	of	of	ADP
cjfa-21483	19	11	risk	risk	NOUN
cjfa-21483	19	12	dynamics	dynamic	NOUN
cjfa-21483	19	13	by	by	ADP
cjfa-21483	19	14	the	the	DET
cjfa-21483	19	15	risk	risk	NOUN
cjfa-21483	19	16	managers	manager	NOUN
cjfa-21483	19	17	(	(	PUNCT
cjfa-21483	19	18	tsintsadze	tsintsadze	PROPN
cjfa-21483	19	19	,	,	PUNCT
cjfa-21483	19	20	glonti	glonti	PROPN
cjfa-21483	19	21	,	,	PUNCT
cjfa-21483	19	22	oniani	oniani	PROPN
cjfa-21483	19	23	&	&	CCONJ
cjfa-21483	19	24	ghoghoberidze	ghoghoberidze	PROPN
cjfa-21483	19	25	,	,	PUNCT
cjfa-21483	19	26	2019	2019	NUM
cjfa-21483	19	27	)	)	PUNCT
cjfa-21483	19	28	.	.	PUNCT
cjfa-21483	20	1	a	a	DET
cjfa-21483	20	2	knowledge	knowledge	NOUN
cjfa-21483	20	3	that	that	PRON
cjfa-21483	20	4	depicts	depict	VERB
cjfa-21483	20	5	thorough	thorough	ADJ
cjfa-21483	20	6	understanding	understanding	NOUN
cjfa-21483	20	7	of	of	ADP
cjfa-21483	20	8	prioritizing	prioritize	VERB
cjfa-21483	20	9	risks	risk	NOUN
cjfa-21483	20	10	within	within	ADP
cjfa-21483	20	11	a	a	DET
cjfa-21483	20	12	framework	framework	NOUN
cjfa-21483	20	13	(	(	PUNCT
cjfa-21483	20	14	asl	asl	PROPN
cjfa-21483	20	15	&	&	CCONJ
cjfa-21483	20	16	nikouei	nikouei	PROPN
cjfa-21483	20	17	,	,	PUNCT
cjfa-21483	20	18	2017	2017	NUM
cjfa-21483	20	19	)	)	PUNCT
cjfa-21483	20	20	.	.	PUNCT
cjfa-21483	21	1	the	the	DET
cjfa-21483	21	2	practice	practice	NOUN
cjfa-21483	21	3	of	of	ADP
cjfa-21483	21	4	risk	risk	NOUN
cjfa-21483	21	5	managers	manager	NOUN
cjfa-21483	21	6	in	in	ADP
cjfa-21483	21	7	financial	financial	ADJ
cjfa-21483	21	8	industry	industry	NOUN
cjfa-21483	21	9	is	be	AUX
cjfa-21483	21	10	governed	govern	VERB
cjfa-21483	21	11	by	by	ADP
cjfa-21483	21	12	basel	basel	PROPN
cjfa-21483	21	13	accord	accord	NOUN
cjfa-21483	21	14	which	which	PRON
cjfa-21483	21	15	has	have	AUX
cjfa-21483	21	16	promulgated	promulgate	VERB
cjfa-21483	21	17	risk	risk	NOUN
cjfa-21483	21	18	based	base	VERB
cjfa-21483	21	19	capital	capital	NOUN
cjfa-21483	21	20	requirements	requirement	NOUN
cjfa-21483	21	21	(	(	PUNCT
cjfa-21483	21	22	bcbs	bcb	NOUN
cjfa-21483	21	23	,	,	PUNCT
cjfa-21483	21	24	2001	2001	NUM
cjfa-21483	21	25	;	;	PUNCT
cjfa-21483	21	26	mburu	mburu	NOUN
cjfa-21483	21	27	,	,	PUNCT
cjfa-21483	21	28	2017	2017	NUM
cjfa-21483	21	29	)	)	PUNCT
cjfa-21483	21	30	.	.	PUNCT
cjfa-21483	22	1	risk	risk	NOUN
cjfa-21483	22	2	is	be	AUX
cjfa-21483	22	3	the	the	DET
cjfa-21483	22	4	potential	potential	NOUN
cjfa-21483	22	5	for	for	ADP
cjfa-21483	22	6	deviation	deviation	NOUN
cjfa-21483	22	7	from	from	ADP
cjfa-21483	22	8	expected	expect	VERB
cjfa-21483	22	9	results	result	NOUN
cjfa-21483	22	10	,	,	PUNCT
cjfa-21483	22	11	and	and	CCONJ
cjfa-21483	22	12	that	that	SCONJ
cjfa-21483	22	13	practitioners	practitioner	NOUN
cjfa-21483	22	14	are	be	AUX
cjfa-21483	22	15	particularly	particularly	ADV
cjfa-21483	22	16	concerned	concerned	ADJ
cjfa-21483	22	17	with	with	ADP
cjfa-21483	22	18	adverse	adverse	ADJ
cjfa-21483	22	19	deviation	deviation	NOUN
cjfa-21483	22	20	.	.	PUNCT
cjfa-21483	23	1	within	within	ADP
cjfa-21483	23	2	this	this	DET
cjfa-21483	23	3	context	context	NOUN
cjfa-21483	23	4	,	,	PUNCT
cjfa-21483	23	5	we	we	PRON
cjfa-21483	23	6	define	define	VERB
cjfa-21483	23	7	financial	financial	ADJ
cjfa-21483	23	8	and	and	CCONJ
cjfa-21483	23	9	non	non	ADJ
cjfa-21483	23	10	-	-	ADJ
cjfa-21483	23	11	financial	financial	ADJ
cjfa-21483	23	12	risks	risk	NOUN
cjfa-21483	23	13	in	in	ADP
cjfa-21483	23	14	terms	term	NOUN
cjfa-21483	23	15	that	that	PRON
cjfa-21483	23	16	are	be	AUX
cjfa-21483	23	17	closely	closely	ADV
cjfa-21483	23	18	related	relate	VERB
cjfa-21483	23	19	to	to	ADP
cjfa-21483	23	20	the	the	DET
cjfa-21483	23	21	distinction	distinction	NOUN
cjfa-21483	23	22	made	make	VERB
cjfa-21483	23	23	by	by	ADP
cjfa-21483	23	24	knight	knight	NOUN
cjfa-21483	23	25	(	(	PUNCT
cjfa-21483	23	26	1921	1921	NUM
cjfa-21483	23	27	)	)	PUNCT
cjfa-21483	23	28	and	and	CCONJ
cjfa-21483	23	29	used	use	VERB
cjfa-21483	23	30	by	by	ADP
cjfa-21483	23	31	tsintsadze	tsintsadze	NOUN
cjfa-21483	23	32	et	et	PROPN
cjfa-21483	23	33	al	al	PROPN
cjfa-21483	23	34	.	.	PROPN
cjfa-21483	24	1	(	(	PUNCT
cjfa-21483	24	2	2019	2019	NUM
cjfa-21483	24	3	)	)	PUNCT
cjfa-21483	24	4	between	between	ADP
cjfa-21483	24	5	risk	risk	NOUN
cjfa-21483	24	6	and	and	CCONJ
cjfa-21483	24	7	uncertainty	uncertainty	NOUN
cjfa-21483	24	8	.	.	PUNCT
cjfa-21483	25	1	in	in	ADP
cjfa-21483	25	2	general	general	ADJ
cjfa-21483	25	3	returns	return	NOUN
cjfa-21483	25	4	increase	increase	VERB
cjfa-21483	25	5	with	with	ADP
cjfa-21483	25	6	the	the	DET
cjfa-21483	25	7	increase	increase	NOUN
cjfa-21483	25	8	in	in	ADP
cjfa-21483	25	9	risks	risk	NOUN
cjfa-21483	25	10	.	.	PUNCT
cjfa-21483	26	1	however	however	ADV
cjfa-21483	26	2	,	,	PUNCT
cjfa-21483	26	3	in	in	ADP
cjfa-21483	26	4	the	the	DET
cjfa-21483	26	5	case	case	NOUN
cjfa-21483	26	6	of	of	ADP
cjfa-21483	26	7	financial	financial	ADJ
cjfa-21483	26	8	institutions	institution	NOUN
cjfa-21483	26	9	this	this	DET
cjfa-21483	26	10	relationship	relationship	NOUN
cjfa-21483	26	11	is	be	AUX
cjfa-21483	26	12	severely	severely	ADV
cjfa-21483	26	13	affected	affect	VERB
cjfa-21483	26	14	by	by	ADP
cjfa-21483	26	15	the	the	DET
cjfa-21483	26	16	actions	action	NOUN
cjfa-21483	26	17	of	of	ADP
cjfa-21483	26	18	various	various	ADJ
cjfa-21483	26	19	economic	economic	ADJ
cjfa-21483	26	20	agents	agent	NOUN
cjfa-21483	26	21	.	.	PUNCT
cjfa-21483	27	1	this	this	PRON
cjfa-21483	27	2	leads	lead	VERB
cjfa-21483	27	3	to	to	ADP
cjfa-21483	27	4	various	various	ADJ
cjfa-21483	27	5	risk	risk	NOUN
cjfa-21483	27	6	regulations	regulation	NOUN
cjfa-21483	27	7	a	a	DET
cjfa-21483	27	8	financial	financial	ADJ
cjfa-21483	27	9	institution	institution	NOUN
cjfa-21483	27	10	has	have	VERB
cjfa-21483	27	11	to	to	PART
cjfa-21483	27	12	comply	comply	VERB
cjfa-21483	27	13	with	with	ADP
cjfa-21483	27	14	.	.	PUNCT
cjfa-21483	28	1	regulations	regulation	NOUN
cjfa-21483	28	2	,	,	PUNCT
cjfa-21483	28	3	which	which	PRON
cjfa-21483	28	4	are	be	AUX
cjfa-21483	28	5	particularly	particularly	ADV
cjfa-21483	28	6	directed	direct	VERB
cjfa-21483	28	7	towards	towards	ADP
cjfa-21483	28	8	reducing	reduce	VERB
cjfa-21483	28	9	the	the	DET
cjfa-21483	28	10	adverse	adverse	ADJ
cjfa-21483	28	11	consequences	consequence	NOUN
cjfa-21483	28	12	of	of	ADP
cjfa-21483	28	13	risk	risk	NOUN
cjfa-21483	28	14	taking	taking	NOUN
cjfa-21483	28	15	.	.	PUNCT
cjfa-21483	29	1	the	the	DET
cjfa-21483	29	2	risk	risk	NOUN
cjfa-21483	29	3	return	return	NOUN
cjfa-21483	29	4	relationship	relationship	NOUN
cjfa-21483	29	5	within	within	ADP
cjfa-21483	29	6	the	the	DET
cjfa-21483	29	7	context	context	NOUN
cjfa-21483	29	8	of	of	ADP
cjfa-21483	29	9	a	a	DET
cjfa-21483	29	10	banking	banking	NOUN
cjfa-21483	29	11	company	company	NOUN
cjfa-21483	29	12	is	be	AUX
cjfa-21483	29	13	therefore	therefore	ADV
cjfa-21483	29	14	not	not	PART
cjfa-21483	29	15	so	so	ADV
cjfa-21483	29	16	straight	straight	ADV
cjfa-21483	29	17	forward	forward	ADV
cjfa-21483	29	18	,	,	PUNCT
cjfa-21483	29	19	rather	rather	ADV
cjfa-21483	29	20	it	it	PRON
cjfa-21483	29	21	has	have	VERB
cjfa-21483	29	22	to	to	PART
cjfa-21483	29	23	be	be	AUX
cjfa-21483	29	24	within	within	ADP
cjfa-21483	29	25	a	a	DET
cjfa-21483	29	26	regulatory	regulatory	ADJ
cjfa-21483	29	27	regime	regime	NOUN
cjfa-21483	29	28	.	.	PUNCT
cjfa-21483	30	1	quality	quality	NOUN
cjfa-21483	30	2	of	of	ADP
cjfa-21483	30	3	management	management	NOUN
cjfa-21483	30	4	is	be	AUX
cjfa-21483	30	5	directly	directly	ADV
cjfa-21483	30	6	related	relate	VERB
cjfa-21483	30	7	with	with	ADP
cjfa-21483	30	8	the	the	DET
cjfa-21483	30	9	expertise	expertise	NOUN
cjfa-21483	30	10	of	of	ADP
cjfa-21483	30	11	risk	risk	NOUN
cjfa-21483	30	12	managers	manager	NOUN
cjfa-21483	30	13	.	.	PUNCT
cjfa-21483	31	1	current	current	ADJ
cjfa-21483	31	2	researches	research	NOUN
cjfa-21483	31	3	suggest	suggest	VERB
cjfa-21483	31	4	that	that	SCONJ
cjfa-21483	31	5	the	the	DET
cjfa-21483	31	6	focus	focus	NOUN
cjfa-21483	31	7	of	of	ADP
cjfa-21483	31	8	risk	risk	NOUN
cjfa-21483	31	9	managers	manager	NOUN
cjfa-21483	31	10	is	be	AUX
cjfa-21483	31	11	also	also	ADV
cjfa-21483	31	12	tilted	tilt	VERB
cjfa-21483	31	13	towards	towards	ADP
cjfa-21483	31	14	managing	manage	VERB
cjfa-21483	31	15	financial	financial	ADJ
cjfa-21483	31	16	risks	risk	NOUN
cjfa-21483	31	17	although	although	SCONJ
cjfa-21483	31	18	it	it	PRON
cjfa-21483	31	19	has	have	AUX
cjfa-21483	31	20	been	be	AUX
cjfa-21483	31	21	established	establish	VERB
cjfa-21483	31	22	that	that	SCONJ
cjfa-21483	31	23	the	the	DET
cjfa-21483	31	24	gravity	gravity	NOUN
cjfa-21483	31	25	and	and	CCONJ
cjfa-21483	31	26	impact	impact	NOUN
cjfa-21483	31	27	of	of	ADP
cjfa-21483	31	28	non	non	ADJ
cjfa-21483	31	29	-	-	ADJ
cjfa-21483	31	30	financial	financial	ADJ
cjfa-21483	31	31	risks	risk	NOUN
cjfa-21483	31	32	is	be	AUX
cjfa-21483	31	33	unknown	unknown	ADJ
cjfa-21483	31	34	,	,	PUNCT
cjfa-21483	31	35	profound	profound	ADJ
cjfa-21483	31	36	and	and	CCONJ
cjfa-21483	31	37	a	a	DET
cjfa-21483	31	38	leading	lead	VERB
cjfa-21483	31	39	cause	cause	NOUN
cjfa-21483	31	40	of	of	ADP
cjfa-21483	31	41	financial	financial	ADJ
cjfa-21483	31	42	setbacks	setback	NOUN
cjfa-21483	31	43	.	.	PUNCT
cjfa-21483	32	1	risk	risk	NOUN
cjfa-21483	32	2	management	management	NOUN
cjfa-21483	32	3	is	be	AUX
cjfa-21483	32	4	therefore	therefore	ADV
cjfa-21483	32	5	need	need	VERB
cjfa-21483	32	6	to	to	PART
cjfa-21483	32	7	be	be	AUX
cjfa-21483	32	8	extended	extend	VERB
cjfa-21483	32	9	to	to	PART
cjfa-21483	32	10	develop	develop	VERB
cjfa-21483	32	11	a	a	DET
cjfa-21483	32	12	risk	risk	NOUN
cjfa-21483	32	13	culture	culture	NOUN
cjfa-21483	32	14	encompassing	encompass	VERB
cjfa-21483	32	15	personnel	personnel	NOUN
cjfa-21483	32	16	,	,	PUNCT
cjfa-21483	32	17	managers	manager	NOUN
cjfa-21483	32	18	executives	executive	NOUN
cjfa-21483	32	19	and	and	CCONJ
cjfa-21483	32	20	organization	organization	NOUN
cjfa-21483	32	21	working	work	VERB
cjfa-21483	32	22	in	in	ADP
cjfa-21483	32	23	line	line	NOUN
cjfa-21483	32	24	with	with	ADP
cjfa-21483	32	25	the	the	DET
cjfa-21483	32	26	objectives	objective	NOUN
cjfa-21483	32	27	of	of	ADP
cjfa-21483	32	28	each	each	DET
cjfa-21483	32	29	other	other	ADJ
cjfa-21483	32	30	.	.	PUNCT
cjfa-21483	33	1	based	base	VERB
cjfa-21483	33	2	on	on	ADP
cjfa-21483	33	3	this	this	DET
cjfa-21483	33	4	background	background	NOUN
cjfa-21483	33	5	our	our	PRON
cjfa-21483	33	6	research	research	NOUN
cjfa-21483	33	7	questions	question	NOUN
cjfa-21483	33	8	are	be	AUX
cjfa-21483	33	9	hereunder	hereunder	NOUN
cjfa-21483	33	10	:	:	PUNCT
cjfa-21483	34	1	1	1	X
cjfa-21483	34	2	.	.	X
cjfa-21483	34	3	whether	whether	SCONJ
cjfa-21483	34	4	the	the	DET
cjfa-21483	34	5	risks	risk	NOUN
cjfa-21483	34	6	increase	increase	VERB
cjfa-21483	34	7	or	or	CCONJ
cjfa-21483	34	8	decrease	decrease	VERB
cjfa-21483	34	9	as	as	ADP
cjfa-21483	34	10	both	both	CCONJ
cjfa-21483	34	11	the	the	DET
cjfa-21483	34	12	ability	ability	NOUN
cjfa-21483	34	13	to	to	PART
cjfa-21483	34	14	measure	measure	VERB
cjfa-21483	34	15	and	and	CCONJ
cjfa-21483	34	16	disaggregate	disaggregate	ADJ
cjfa-21483	34	17	risk	risk	NOUN
cjfa-21483	34	18	increase	increase	NOUN
cjfa-21483	34	19	or	or	CCONJ
cjfa-21483	34	20	decrease	decrease	NOUN
cjfa-21483	34	21	?	?	PUNCT
cjfa-21483	35	1	2	2	X
cjfa-21483	35	2	.	.	X
cjfa-21483	35	3	whether	whether	SCONJ
cjfa-21483	35	4	recognizable	recognizable	ADJ
cjfa-21483	35	5	and	and	CCONJ
cjfa-21483	35	6	enigmatic	enigmatic	ADJ
cjfa-21483	35	7	risks	risk	NOUN
cjfa-21483	35	8	increase	increase	VERB
cjfa-21483	35	9	or	or	CCONJ
cjfa-21483	35	10	decrease	decrease	VERB
cjfa-21483	35	11	as	as	ADP
cjfa-21483	35	12	the	the	DET
cjfa-21483	35	13	ability	ability	NOUN
cjfa-21483	35	14	to	to	PART
cjfa-21483	35	15	measure	measure	VERB
cjfa-21483	35	16	and	and	CCONJ
cjfa-21483	35	17	disaggregate	disaggregate	ADJ
cjfa-21483	35	18	risk	risk	NOUN
cjfa-21483	35	19	increase	increase	NOUN
cjfa-21483	35	20	or	or	CCONJ
cjfa-21483	35	21	decrease	decrease	NOUN
cjfa-21483	35	22	?	?	PUNCT
cjfa-21483	36	1	integration	integration	NOUN
cjfa-21483	36	2	of	of	ADP
cjfa-21483	36	3	financial	financial	ADJ
cjfa-21483	36	4	risks	risk	NOUN
cjfa-21483	36	5	with	with	ADP
cjfa-21483	36	6	non	non	ADJ
cjfa-21483	36	7	-	-	ADJ
cjfa-21483	36	8	financial	financial	ADJ
cjfa-21483	36	9	risks	risk	NOUN
cjfa-21483	36	10	…	…	PUNCT
cjfa-21483	36	11	51	51	NUM
cjfa-21483	36	12	given	give	VERB
cjfa-21483	36	13	the	the	DET
cjfa-21483	36	14	interviews	interview	NOUN
cjfa-21483	36	15	of	of	ADP
cjfa-21483	36	16	experts	expert	NOUN
cjfa-21483	36	17	,	,	PUNCT
cjfa-21483	36	18	the	the	DET
cjfa-21483	36	19	rank	rank	NOUN
cjfa-21483	36	20	order	order	NOUN
cjfa-21483	36	21	of	of	ADP
cjfa-21483	36	22	these	these	DET
cjfa-21483	36	23	risks	risk	NOUN
cjfa-21483	36	24	has	have	AUX
cjfa-21483	36	25	based	base	VERB
cjfa-21483	36	26	on	on	ADP
cjfa-21483	36	27	two	two	NUM
cjfa-21483	36	28	main	main	ADJ
cjfa-21483	36	29	characteristics	characteristic	NOUN
cjfa-21483	36	30	:	:	PUNCT
cjfa-21483	36	31	quantification	quantification	NOUN
cjfa-21483	36	32	,	,	PUNCT
cjfa-21483	36	33	which	which	PRON
cjfa-21483	36	34	reflects	reflect	VERB
cjfa-21483	36	35	their	their	PRON
cjfa-21483	36	36	ability	ability	NOUN
cjfa-21483	36	37	to	to	PART
cjfa-21483	36	38	be	be	AUX
cjfa-21483	36	39	measured	measure	VERB
cjfa-21483	36	40	,	,	PUNCT
cjfa-21483	36	41	and	and	CCONJ
cjfa-21483	36	42	granularity	granularity	NOUN
cjfa-21483	36	43	,	,	PUNCT
cjfa-21483	36	44	which	which	PRON
cjfa-21483	36	45	reflects	reflect	VERB
cjfa-21483	36	46	their	their	PRON
cjfa-21483	36	47	ability	ability	NOUN
cjfa-21483	36	48	to	to	PART
cjfa-21483	36	49	be	be	AUX
cjfa-21483	36	50	disaggregated	disaggregate	VERB
cjfa-21483	36	51	.	.	PUNCT
cjfa-21483	37	1	according	accord	VERB
cjfa-21483	37	2	to	to	ADP
cjfa-21483	37	3	the	the	DET
cjfa-21483	37	4	ordering	ordering	NOUN
cjfa-21483	37	5	,	,	PUNCT
cjfa-21483	37	6	market	market	NOUN
cjfa-21483	37	7	risk	risk	NOUN
cjfa-21483	37	8	is	be	AUX
cjfa-21483	37	9	the	the	DET
cjfa-21483	37	10	easiest	easy	ADJ
cjfa-21483	37	11	risk	risk	NOUN
cjfa-21483	37	12	to	to	PART
cjfa-21483	37	13	quantify	quantify	VERB
cjfa-21483	37	14	and	and	CCONJ
cjfa-21483	37	15	disaggregate	disaggregate	ADJ
cjfa-21483	37	16	,	,	PUNCT
cjfa-21483	37	17	followed	follow	VERB
cjfa-21483	37	18	by	by	ADP
cjfa-21483	37	19	credit	credit	NOUN
cjfa-21483	37	20	risk	risk	NOUN
cjfa-21483	37	21	,	,	PUNCT
cjfa-21483	37	22	asset	asset	NOUN
cjfa-21483	37	23	/	/	SYM
cjfa-21483	37	24	liability	liability	NOUN
cjfa-21483	37	25	risk	risk	NOUN
cjfa-21483	37	26	,	,	PUNCT
cjfa-21483	37	27	operational	operational	ADJ
cjfa-21483	37	28	risk	risk	NOUN
cjfa-21483	37	29	,	,	PUNCT
cjfa-21483	37	30	and	and	CCONJ
cjfa-21483	37	31	business	business	NOUN
cjfa-21483	37	32	risk	risk	NOUN
cjfa-21483	37	33	.	.	PUNCT
cjfa-21483	38	1	it	it	PRON
cjfa-21483	38	2	follows	follow	VERB
cjfa-21483	38	3	that	that	SCONJ
cjfa-21483	38	4	practitioners	practitioner	NOUN
cjfa-21483	38	5	and	and	CCONJ
cjfa-21483	38	6	policymakers	policymaker	NOUN
cjfa-21483	38	7	“	"	PUNCT
cjfa-21483	38	8	know	know	VERB
cjfa-21483	38	9	”	"	PUNCT
cjfa-21483	38	10	the	the	DET
cjfa-21483	38	11	most	most	ADJ
cjfa-21483	38	12	about	about	ADP
cjfa-21483	38	13	market	market	NOUN
cjfa-21483	38	14	risk	risk	NOUN
cjfa-21483	38	15	and	and	CCONJ
cjfa-21483	38	16	the	the	DET
cjfa-21483	38	17	least	least	ADJ
cjfa-21483	38	18	about	about	ADP
cjfa-21483	38	19	business	business	NOUN
cjfa-21483	38	20	risk	risk	NOUN
cjfa-21483	38	21	.	.	PUNCT
cjfa-21483	39	1	the	the	DET
cjfa-21483	39	2	boundary	boundary	NOUN
cjfa-21483	39	3	between	between	ADP
cjfa-21483	39	4	what	what	PRON
cjfa-21483	39	5	they	they	PRON
cjfa-21483	39	6	know	know	VERB
cjfa-21483	39	7	and	and	CCONJ
cjfa-21483	39	8	do	do	AUX
cjfa-21483	39	9	n’t	not	PART
cjfa-21483	39	10	know	know	VERB
cjfa-21483	39	11	determines	determine	VERB
cjfa-21483	39	12	the	the	DET
cjfa-21483	39	13	portion	portion	NOUN
cjfa-21483	39	14	of	of	ADP
cjfa-21483	39	15	bankrisk	bankrisk	NOUN
cjfa-21483	39	16	that	that	PRON
cjfa-21483	39	17	currently	currently	ADV
cjfa-21483	39	18	is	be	AUX
cjfa-21483	39	19	(	(	PUNCT
cjfa-21483	39	20	or	or	CCONJ
cjfa-21483	39	21	at	at	ADP
cjfa-21483	39	22	least	least	ADJ
cjfa-21483	39	23	can	can	AUX
cjfa-21483	39	24	be	be	AUX
cjfa-21483	39	25	)	)	PUNCT
cjfa-21483	39	26	managed	manage	VERB
cjfa-21483	39	27	.	.	PUNCT
cjfa-21483	40	1	the	the	DET
cjfa-21483	40	2	portion	portion	NOUN
cjfa-21483	40	3	of	of	ADP
cjfa-21483	40	4	risk	risk	NOUN
cjfa-21483	40	5	that	that	PRON
cjfa-21483	40	6	exists	exist	VERB
cjfa-21483	40	7	is	be	AUX
cjfa-21483	40	8	managed	manage	VERB
cjfa-21483	40	9	,	,	PUNCT
cjfa-21483	40	10	the	the	DET
cjfa-21483	40	11	portion	portion	NOUN
cjfa-21483	40	12	of	of	ADP
cjfa-21483	40	13	risk	risk	NOUN
cjfa-21483	40	14	that	that	PRON
cjfa-21483	40	15	is	be	AUX
cjfa-21483	40	16	recognizable	recognizable	ADJ
cjfa-21483	40	17	is	be	AUX
cjfa-21483	40	18	managed	manage	VERB
cjfa-21483	40	19	and	and	CCONJ
cjfa-21483	40	20	the	the	DET
cjfa-21483	40	21	portion	portion	NOUN
cjfa-21483	40	22	of	of	ADP
cjfa-21483	40	23	risk	risk	NOUN
cjfa-21483	40	24	that	that	PRON
cjfa-21483	40	25	is	be	AUX
cjfa-21483	40	26	enigmatic	enigmatic	ADJ
cjfa-21483	40	27	is	be	AUX
cjfa-21483	40	28	largely	largely	ADV
cjfa-21483	40	29	unmanageable	unmanageable	ADJ
cjfa-21483	40	30	.	.	PUNCT
cjfa-21483	41	1	review	review	NOUN
cjfa-21483	41	2	of	of	ADP
cjfa-21483	41	3	literature	literature	NOUN
cjfa-21483	41	4	among	among	ADP
cjfa-21483	41	5	practitioners	practitioner	NOUN
cjfa-21483	41	6	,	,	PUNCT
cjfa-21483	41	7	risk	risk	NOUN
cjfa-21483	41	8	in	in	ADP
cjfa-21483	41	9	banking	banking	NOUN
cjfa-21483	41	10	is	be	AUX
cjfa-21483	41	11	typically	typically	ADV
cjfa-21483	41	12	defined	define	VERB
cjfa-21483	41	13	in	in	ADP
cjfa-21483	41	14	terms	term	NOUN
cjfa-21483	41	15	of	of	ADP
cjfa-21483	41	16	earnings	earning	NOUN
cjfa-21483	41	17	volatility	volatility	NOUN
cjfa-21483	41	18	(	(	PUNCT
cjfa-21483	41	19	rajan	rajan	PROPN
cjfa-21483	41	20	,	,	PUNCT
cjfa-21483	41	21	2005	2005	NUM
cjfa-21483	41	22	;	;	PUNCT
cjfa-21483	41	23	becker	becker	PROPN
cjfa-21483	41	24	&	&	CCONJ
cjfa-21483	41	25	buchkremer	buchkremer	PROPN
cjfa-21483	41	26	,	,	PUNCT
cjfa-21483	41	27	2018	2018	NUM
cjfa-21483	41	28	)	)	PUNCT
cjfa-21483	41	29	.	.	PUNCT
cjfa-21483	42	1	earnings	earning	NOUN
cjfa-21483	42	2	volatility	volatility	NOUN
cjfa-21483	42	3	creates	create	VERB
cjfa-21483	42	4	the	the	DET
cjfa-21483	42	5	potential	potential	NOUN
cjfa-21483	42	6	for	for	ADP
cjfa-21483	42	7	loss	loss	NOUN
cjfa-21483	42	8	.	.	PUNCT
cjfa-21483	43	1	losses	loss	NOUN
cjfa-21483	43	2	,	,	PUNCT
cjfa-21483	43	3	in	in	ADP
cjfa-21483	43	4	turn	turn	NOUN
cjfa-21483	43	5	,	,	PUNCT
cjfa-21483	43	6	need	need	VERB
cjfa-21483	43	7	to	to	PART
cjfa-21483	43	8	be	be	AUX
cjfa-21483	43	9	funded	fund	VERB
cjfa-21483	43	10	,	,	PUNCT
cjfa-21483	43	11	and	and	CCONJ
cjfa-21483	43	12	it	it	PRON
cjfa-21483	43	13	is	be	AUX
cjfa-21483	43	14	thepotential	thepotential	ADJ
cjfa-21483	43	15	for	for	ADP
cjfa-21483	43	16	loss	loss	NOUN
cjfa-21483	43	17	that	that	PRON
cjfa-21483	43	18	imposes	impose	VERB
cjfa-21483	43	19	a	a	DET
cjfa-21483	43	20	need	need	NOUN
cjfa-21483	43	21	for	for	SCONJ
cjfa-21483	43	22	banks	bank	NOUN
cjfa-21483	43	23	to	to	PART
cjfa-21483	43	24	hold	hold	VERB
cjfa-21483	43	25	capital	capital	NOUN
cjfa-21483	43	26	(	(	PUNCT
cjfa-21483	43	27	hargarter	hargarter	PROPN
cjfa-21483	43	28	&	&	CCONJ
cjfa-21483	43	29	van	van	PROPN
cjfa-21483	43	30	vuuren	vuuren	PROPN
cjfa-21483	43	31	,	,	PUNCT
cjfa-21483	43	32	2017	2017	NUM
cjfa-21483	43	33	)	)	PUNCT
cjfa-21483	43	34	.	.	PUNCT
cjfa-21483	44	1	capital	capital	NOUN
cjfa-21483	44	2	provides	provide	VERB
cjfa-21483	44	3	the	the	DET
cjfa-21483	44	4	balance	balance	NOUN
cjfa-21483	44	5	sheetcushion	sheetcushion	NOUN
cjfa-21483	44	6	that	that	PRON
cjfa-21483	44	7	absorbs	absorb	VERB
cjfa-21483	44	8	(	(	PUNCT
cjfa-21483	44	9	downside	downside	ADJ
cjfa-21483	44	10	)	)	PUNCT
cjfa-21483	44	11	earnings	earning	NOUN
cjfa-21483	44	12	volatility	volatility	NOUN
cjfa-21483	44	13	and	and	CCONJ
cjfa-21483	44	14	prevents	prevent	VERB
cjfa-21483	44	15	a	a	DET
cjfa-21483	44	16	firm	firm	NOUN
cjfa-21483	44	17	from	from	ADP
cjfa-21483	44	18	becoming	become	VERB
cjfa-21483	44	19	insolvent	insolvent	ADJ
cjfa-21483	44	20	(	(	PUNCT
cjfa-21483	44	21	berger	berger	PROPN
cjfa-21483	44	22	,	,	PUNCT
cjfa-21483	44	23	herring	herring	NOUN
cjfa-21483	44	24	&	&	CCONJ
cjfa-21483	44	25	szegö	szegö	PROPN
cjfa-21483	44	26	,	,	PUNCT
cjfa-21483	44	27	1995	1995	NUM
cjfa-21483	44	28	;	;	PUNCT
cjfa-21483	44	29	bouchet	bouchet	PROPN
cjfa-21483	44	30	,	,	PUNCT
cjfa-21483	44	31	fishkin	fishkin	PROPN
cjfa-21483	44	32	&	&	CCONJ
cjfa-21483	44	33	goguel	goguel	PROPN
cjfa-21483	44	34	,	,	PUNCT
cjfa-21483	44	35	2018	2018	NUM
cjfa-21483	44	36	)	)	PUNCT
cjfa-21483	44	37	.	.	PUNCT
cjfa-21483	45	1	the	the	DET
cjfa-21483	45	2	link	link	NOUN
cjfa-21483	45	3	between	between	ADP
cjfa-21483	45	4	earnings	earning	NOUN
cjfa-21483	45	5	volatility	volatility	NOUN
cjfa-21483	45	6	and	and	CCONJ
cjfa-21483	45	7	capital	capital	NOUN
cjfa-21483	45	8	is	be	AUX
cjfa-21483	45	9	central	central	ADJ
cjfa-21483	45	10	to	to	ADP
cjfa-21483	45	11	the	the	DET
cjfa-21483	45	12	way	way	NOUN
cjfa-21483	45	13	risk	risk	NOUN
cjfa-21483	45	14	is	be	AUX
cjfa-21483	45	15	measured	measure	VERB
cjfa-21483	45	16	in	in	ADP
cjfa-21483	45	17	banking	banking	NOUN
cjfa-21483	45	18	.	.	PUNCT
cjfa-21483	46	1	increasingly	increasingly	ADV
cjfa-21483	46	2	,	,	PUNCT
cjfa-21483	46	3	risk	risk	NOUN
cjfa-21483	46	4	is	be	AUX
cjfa-21483	46	5	measured	measure	VERB
cjfa-21483	46	6	in	in	ADP
cjfa-21483	46	7	terms	term	NOUN
cjfa-21483	46	8	of	of	ADP
cjfa-21483	46	9	value	value	NOUN
cjfa-21483	46	10	-	-	PUNCT
cjfa-21483	46	11	at	at	ADP
cjfa-21483	46	12	-	-	PUNCT
cjfa-21483	46	13	risk	risk	NOUN
cjfa-21483	46	14	(	(	PUNCT
cjfa-21483	46	15	var	var	NOUN
cjfa-21483	46	16	)	)	PUNCT
cjfa-21483	46	17	or	or	CCONJ
cjfa-21483	46	18	,	,	PUNCT
cjfa-21483	46	19	equivalently	equivalently	ADV
cjfa-21483	46	20	,	,	PUNCT
cjfa-21483	46	21	economic	economic	ADJ
cjfa-21483	46	22	capital	capital	NOUN
cjfa-21483	46	23	–	–	PUNCT
cjfa-21483	46	24	the	the	DET
cjfa-21483	46	25	amount	amount	NOUN
cjfa-21483	46	26	of	of	ADP
cjfa-21483	46	27	capital	capital	NOUN
cjfa-21483	46	28	needed	need	VERB
cjfa-21483	46	29	to	to	PART
cjfa-21483	46	30	protect	protect	VERB
cjfa-21483	46	31	against	against	ADP
cjfa-21483	46	32	earnings	earning	NOUN
cjfa-21483	46	33	volatility	volatility	NOUN
cjfa-21483	46	34	at	at	ADP
cjfa-21483	46	35	a	a	DET
cjfa-21483	46	36	prescribed	prescribed	ADJ
cjfa-21483	46	37	confidence	confidence	NOUN
cjfa-21483	46	38	interval	interval	NOUN
cjfa-21483	46	39	(	(	PUNCT
cjfa-21483	46	40	bovenberg	bovenberg	PROPN
cjfa-21483	46	41	&	&	CCONJ
cjfa-21483	46	42	nijman	nijman	PROPN
cjfa-21483	46	43	,	,	PUNCT
cjfa-21483	46	44	2017	2017	NUM
cjfa-21483	46	45	)	)	PUNCT
cjfa-21483	46	46	.	.	PUNCT
cjfa-21483	47	1	the	the	DET
cjfa-21483	47	2	reason	reason	NOUN
cjfa-21483	47	3	for	for	ADP
cjfa-21483	47	4	measuring	measure	VERB
cjfa-21483	47	5	risk	risk	NOUN
cjfa-21483	47	6	at	at	ADP
cjfa-21483	47	7	a	a	DET
cjfa-21483	47	8	stated	state	VERB
cjfa-21483	47	9	confidence	confidence	NOUN
cjfa-21483	47	10	interval	interval	NOUN
cjfa-21483	47	11	is	be	AUX
cjfa-21483	47	12	that	that	SCONJ
cjfa-21483	47	13	volatility	volatility	NOUN
cjfa-21483	47	14	,	,	PUNCT
cjfa-21483	47	15	by	by	ADP
cjfa-21483	47	16	itself	itself	PRON
cjfa-21483	47	17	,	,	PUNCT
cjfa-21483	47	18	is	be	AUX
cjfa-21483	47	19	insufficient	insufficient	ADJ
cjfa-21483	47	20	to	to	PART
cjfa-21483	47	21	describe	describe	VERB
cjfa-21483	47	22	the	the	DET
cjfa-21483	47	23	whole	whole	ADJ
cjfa-21483	47	24	distribution	distribution	NOUN
cjfa-21483	47	25	of	of	ADP
cjfa-21483	47	26	earnings	earning	NOUN
cjfa-21483	47	27	(	(	PUNCT
cjfa-21483	47	28	butler	butler	NOUN
cjfa-21483	47	29	&	&	CCONJ
cjfa-21483	47	30	o’brien	o’brien	PROPN
cjfa-21483	47	31	,	,	PUNCT
cjfa-21483	47	32	2019	2019	NUM
cjfa-21483	47	33	)	)	PUNCT
cjfa-21483	47	34	.	.	PUNCT
cjfa-21483	48	1	two	two	NUM
cjfa-21483	48	2	distributions	distribution	NOUN
cjfa-21483	48	3	with	with	ADP
cjfa-21483	48	4	dramatically	dramatically	ADV
cjfa-21483	48	5	different	different	ADJ
cjfa-21483	48	6	shapes	shape	NOUN
cjfa-21483	48	7	and	and	CCONJ
cjfa-21483	48	8	differing	differ	VERB
cjfa-21483	48	9	amounts	amount	NOUN
cjfa-21483	48	10	of	of	ADP
cjfa-21483	48	11	downside	downside	ADJ
cjfa-21483	48	12	risk	risk	NOUN
cjfa-21483	48	13	can	can	AUX
cjfa-21483	48	14	have	have	VERB
cjfa-21483	48	15	the	the	DET
cjfa-21483	48	16	same	same	ADJ
cjfa-21483	48	17	volatility	volatility	NOUN
cjfa-21483	48	18	(	(	PUNCT
cjfa-21483	48	19	galli	galli	NOUN
cjfa-21483	48	20	,	,	PUNCT
cjfa-21483	48	21	2019	2019	NUM
cjfa-21483	48	22	)	)	PUNCT
cjfa-21483	48	23	.	.	PUNCT
cjfa-21483	49	1	var	var	PROPN
cjfa-21483	49	2	scales	scale	VERB
cjfa-21483	49	3	the	the	DET
cjfa-21483	49	4	volatility	volatility	NOUN
cjfa-21483	49	5	to	to	ADP
cjfa-21483	49	6	a	a	DET
cjfa-21483	49	7	specified	specified	ADJ
cjfa-21483	49	8	confidence	confidence	NOUN
cjfa-21483	49	9	interval	interval	NOUN
cjfa-21483	49	10	so	so	SCONJ
cjfa-21483	49	11	as	as	SCONJ
cjfa-21483	49	12	to	to	PART
cjfa-21483	49	13	create	create	VERB
cjfa-21483	49	14	a	a	DET
cjfa-21483	49	15	common	common	ADJ
cjfa-21483	49	16	currency	currency	NOUN
cjfa-21483	49	17	for	for	ADP
cjfa-21483	49	18	risk	risk	NOUN
cjfa-21483	49	19	that	that	PRON
cjfa-21483	49	20	allows	allow	VERB
cjfa-21483	49	21	different	different	ADJ
cjfa-21483	49	22	risk	risk	NOUN
cjfa-21483	49	23	factors	factor	NOUN
cjfa-21483	49	24	to	to	PART
cjfa-21483	49	25	be	be	AUX
cjfa-21483	49	26	directly	directly	ADV
cjfa-21483	49	27	compared	compare	VERB
cjfa-21483	49	28	.	.	PUNCT
cjfa-21483	50	1	it	it	PRON
cjfa-21483	50	2	has	have	AUX
cjfa-21483	50	3	been	be	AUX
cjfa-21483	50	4	established	establish	VERB
cjfa-21483	50	5	over	over	ADP
cjfa-21483	50	6	the	the	DET
cjfa-21483	50	7	period	period	NOUN
cjfa-21483	50	8	of	of	ADP
cjfa-21483	50	9	time	time	NOUN
cjfa-21483	50	10	that	that	PRON
cjfa-21483	50	11	stylized	stylize	VERB
cjfa-21483	50	12	earnings	earning	NOUN
cjfa-21483	50	13	(	(	PUNCT
cjfa-21483	50	14	or	or	CCONJ
cjfa-21483	50	15	loss	loss	NOUN
cjfa-21483	50	16	)	)	PUNCT
cjfa-21483	50	17	distributions	distribution	NOUN
cjfa-21483	50	18	for	for	ADP
cjfa-21483	50	19	different	different	ADJ
cjfa-21483	50	20	bank	bank	NOUN
cjfa-21483	50	21	risks	risk	NOUN
cjfa-21483	50	22	have	have	VERB
cjfa-21483	50	23	very	very	ADV
cjfa-21483	50	24	different	different	ADJ
cjfa-21483	50	25	shapes	shape	NOUN
cjfa-21483	50	26	,	,	PUNCT
cjfa-21483	50	27	but	but	CCONJ
cjfa-21483	50	28	,	,	PUNCT
cjfa-21483	50	29	assuming	assume	VERB
cjfa-21483	50	30	a	a	DET
cjfa-21483	50	31	common	common	ADJ
cjfa-21483	50	32	time	time	NOUN
cjfa-21483	50	33	horizon	horizon	NOUN
cjfa-21483	50	34	,	,	PUNCT
cjfa-21483	50	35	can	can	AUX
cjfa-21483	50	36	each	each	PRON
cjfa-21483	50	37	be	be	AUX
cjfa-21483	50	38	measured	measure	VERB
cjfa-21483	50	39	in	in	ADP
cjfa-21483	50	40	equivalent	equivalent	ADJ
cjfa-21483	50	41	terms	term	NOUN
cjfa-21483	50	42	at	at	ADP
cjfa-21483	50	43	the	the	DET
cjfa-21483	50	44	same	same	ADJ
cjfa-21483	50	45	confidence	confidence	NOUN
cjfa-21483	50	46	interval	interval	NOUN
cjfa-21483	50	47	.	.	PUNCT
cjfa-21483	51	1	moreover	moreover	ADV
cjfa-21483	51	2	,	,	PUNCT
cjfa-21483	51	3	the	the	DET
cjfa-21483	51	4	standalone	standalone	NOUN
cjfa-21483	51	5	amounts	amount	NOUN
cjfa-21483	51	6	for	for	ADP
cjfa-21483	51	7	these	these	DET
cjfa-21483	51	8	risks	risk	NOUN
cjfa-21483	51	9	can	can	AUX
cjfa-21483	51	10	be	be	AUX
cjfa-21483	51	11	aggregated	aggregate	VERB
cjfa-21483	51	12	(	(	PUNCT
cjfa-21483	51	13	although	although	SCONJ
cjfa-21483	51	14	,	,	PUNCT
cjfa-21483	51	15	because	because	SCONJ
cjfa-21483	51	16	of	of	ADP
cjfa-21483	51	17	diversification	diversification	NOUN
cjfa-21483	51	18	effects	effect	NOUN
cjfa-21483	51	19	,	,	PUNCT
cjfa-21483	51	20	syed	syed	PROPN
cjfa-21483	51	21	alamdar	alamdar	PROPN
cjfa-21483	51	22	ali	ali	PROPN
cjfa-21483	51	23	shah52	shah52	NOUN
cjfa-21483	51	24	not	not	PART
cjfa-21483	51	25	by	by	ADP
cjfa-21483	51	26	simple	simple	ADJ
cjfa-21483	51	27	addition	addition	NOUN
cjfa-21483	51	28	)	)	PUNCT
cjfa-21483	51	29	to	to	PART
cjfa-21483	51	30	create	create	VERB
cjfa-21483	51	31	a	a	DET
cjfa-21483	51	32	single	single	ADJ
cjfa-21483	51	33	loss	loss	NOUN
cjfa-21483	51	34	distribution	distribution	NOUN
cjfa-21483	51	35	for	for	ADP
cjfa-21483	51	36	the	the	DET
cjfa-21483	51	37	bank	bank	NOUN
cjfa-21483	51	38	overall	overall	ADJ
cjfa-21483	51	39	(	(	PUNCT
cjfa-21483	51	40	kuritzkes	kuritzke	NOUN
cjfa-21483	51	41	,	,	PUNCT
cjfa-21483	51	42	schuermann	schuermann	PROPN
cjfa-21483	51	43	&	&	CCONJ
cjfa-21483	51	44	weiner	weiner	NOUN
cjfa-21483	51	45	,	,	PUNCT
cjfa-21483	51	46	2003	2003	NUM
cjfa-21483	51	47	;	;	PUNCT
cjfa-21483	51	48	rosenberg	rosenberg	PROPN
cjfa-21483	51	49	&	&	CCONJ
cjfa-21483	51	50	schuermann	schuermann	PROPN
cjfa-21483	51	51	,	,	PUNCT
cjfa-21483	51	52	2006	2006	NUM
cjfa-21483	51	53	;	;	PUNCT
cjfa-21483	51	54	tsintsadze	tsintsadze	NOUN
cjfa-21483	51	55	et	et	PROPN
cjfa-21483	51	56	al	al	PROPN
cjfa-21483	51	57	.	.	PROPN
cjfa-21483	51	58	,	,	PUNCT
cjfa-21483	51	59	2019	2019	NUM
cjfa-21483	51	60	)	)	PUNCT
cjfa-21483	51	61	.	.	PUNCT
cjfa-21483	52	1	the	the	DET
cjfa-21483	52	2	confidence	confidence	NOUN
cjfa-21483	52	3	interval	interval	NOUN
cjfa-21483	52	4	for	for	ADP
cjfa-21483	52	5	economic	economic	ADJ
cjfa-21483	52	6	capital	capital	NOUN
cjfa-21483	52	7	is	be	AUX
cjfa-21483	52	8	usually	usually	ADV
cjfa-21483	52	9	set	set	VERB
cjfa-21483	52	10	equivalent	equivalent	ADJ
cjfa-21483	52	11	to	to	ADP
cjfa-21483	52	12	the	the	DET
cjfa-21483	52	13	default	default	NOUN
cjfa-21483	52	14	rate	rate	NOUN
cjfa-21483	52	15	associated	associate	VERB
cjfa-21483	52	16	with	with	ADP
cjfa-21483	52	17	a	a	DET
cjfa-21483	52	18	bank	bank	NOUN
cjfa-21483	52	19	’s	’s	PART
cjfa-21483	52	20	target	target	NOUN
cjfa-21483	52	21	debt	debt	NOUN
cjfa-21483	52	22	rating	rating	NOUN
cjfa-21483	52	23	or	or	CCONJ
cjfa-21483	52	24	solvency	solvency	NOUN
cjfa-21483	52	25	standard	standard	NOUN
cjfa-21483	52	26	.	.	PUNCT
cjfa-21483	53	1	assume	assume	VERB
cjfa-21483	53	2	,	,	PUNCT
cjfa-21483	53	3	for	for	ADP
cjfa-21483	53	4	example	example	NOUN
cjfa-21483	53	5	,	,	PUNCT
cjfa-21483	53	6	that	that	SCONJ
cjfa-21483	53	7	a	a	DET
cjfa-21483	53	8	bank	bank	NOUN
cjfa-21483	53	9	’s	’s	PART
cjfa-21483	53	10	target	target	NOUN
cjfa-21483	53	11	debt	debt	NOUN
cjfa-21483	53	12	rating	rating	NOUN
cjfa-21483	53	13	is	be	AUX
cjfa-21483	53	14	a-	a-	X
cjfa-21483	53	15	,	,	PUNCT
cjfa-21483	53	16	and	and	CCONJ
cjfa-21483	53	17	that	that	SCONJ
cjfa-21483	53	18	the	the	DET
cjfa-21483	53	19	annual	annual	ADJ
cjfa-21483	53	20	default	default	NOUN
cjfa-21483	53	21	rate	rate	NOUN
cjfa-21483	53	22	for	for	ADP
cjfa-21483	53	23	arated	arated	ADJ
cjfa-21483	53	24	bonds	bond	NOUN
cjfa-21483	53	25	is	be	AUX
cjfa-21483	53	26	0.1	0.1	NUM
cjfa-21483	53	27	%	%	NOUN
cjfa-21483	53	28	or	or	CCONJ
cjfa-21483	53	29	10	10	NUM
cjfa-21483	53	30	basis	basis	NOUN
cjfa-21483	53	31	points	point	NOUN
cjfa-21483	53	32	(	(	PUNCT
cjfa-21483	53	33	bp	bp	PROPN
cjfa-21483	53	34	)	)	PUNCT
cjfa-21483	53	35	.	.	PUNCT
cjfa-21483	54	1	in	in	ADP
cjfa-21483	54	2	this	this	DET
cjfa-21483	54	3	case	case	NOUN
cjfa-21483	54	4	,	,	PUNCT
cjfa-21483	54	5	the	the	DET
cjfa-21483	54	6	bank	bank	NOUN
cjfa-21483	54	7	would	would	AUX
cjfa-21483	54	8	set	set	VERB
cjfa-21483	54	9	the	the	DET
cjfa-21483	54	10	ruler	ruler	NOUN
cjfa-21483	54	11	for	for	ADP
cjfa-21483	54	12	economic	economic	ADJ
cjfa-21483	54	13	capital	capital	NOUN
cjfa-21483	54	14	to	to	PART
cjfa-21483	54	15	be	be	AUX
cjfa-21483	54	16	the	the	DET
cjfa-21483	54	17	amount	amount	NOUN
cjfa-21483	54	18	of	of	ADP
cjfa-21483	54	19	annual	annual	ADJ
cjfa-21483	54	20	earnings	earning	NOUN
cjfa-21483	54	21	volatility	volatility	NOUN
cjfa-21483	54	22	at	at	ADP
cjfa-21483	54	23	the	the	DET
cjfa-21483	54	24	99.9	99.9	NUM
cjfa-21483	54	25	%	%	NOUN
cjfa-21483	54	26	confidence	confidence	NOUN
cjfa-21483	54	27	level	level	NOUN
cjfa-21483	54	28	,	,	PUNCT
cjfa-21483	54	29	on	on	ADP
cjfa-21483	54	30	the	the	DET
cjfa-21483	54	31	theory	theory	NOUN
cjfa-21483	54	32	that	that	SCONJ
cjfa-21483	54	33	this	this	PRON
cjfa-21483	54	34	would	would	AUX
cjfa-21483	54	35	determine	determine	VERB
cjfa-21483	54	36	the	the	DET
cjfa-21483	54	37	amount	amount	NOUN
cjfa-21483	54	38	of	of	ADP
cjfa-21483	54	39	capital	capital	NOUN
cjfa-21483	54	40	the	the	DET
cjfa-21483	54	41	bank	bank	NOUN
cjfa-21483	54	42	needs	need	VERB
cjfa-21483	54	43	to	to	PART
cjfa-21483	54	44	remain	remain	VERB
cjfa-21483	54	45	solvent	solvent	ADJ
cjfa-21483	54	46	in	in	ADP
cjfa-21483	54	47	all	all	DET
cjfa-21483	54	48	but	but	CCONJ
cjfa-21483	54	49	10	10	NUM
cjfa-21483	54	50	bp	bp	NOUN
cjfa-21483	54	51	of	of	ADP
cjfa-21483	54	52	possible	possible	ADJ
cjfa-21483	54	53	loss	loss	NOUN
cjfa-21483	54	54	scenarios	scenario	NOUN
cjfa-21483	54	55	–	–	PUNCT
cjfa-21483	54	56	equivalent	equivalent	ADJ
cjfa-21483	54	57	to	to	ADP
cjfa-21483	54	58	the	the	DET
cjfa-21483	54	59	default	default	NOUN
cjfa-21483	54	60	risk	risk	NOUN
cjfa-21483	54	61	of	of	ADP
cjfa-21483	54	62	an	an	DET
cjfa-21483	54	63	arated	arated	ADJ
cjfa-21483	54	64	bond	bond	NOUN
cjfa-21483	54	65	.	.	PUNCT
cjfa-21483	55	1	while	while	SCONJ
cjfa-21483	55	2	there	there	PRON
cjfa-21483	55	3	is	be	VERB
cjfa-21483	55	4	an	an	DET
cjfa-21483	55	5	internal	internal	ADJ
cjfa-21483	55	6	logic	logic	NOUN
cjfa-21483	55	7	for	for	ADP
cjfa-21483	55	8	measuring	measure	VERB
cjfa-21483	55	9	risk	risk	NOUN
cjfa-21483	55	10	at	at	ADP
cjfa-21483	55	11	the	the	DET
cjfa-21483	55	12	same	same	ADJ
cjfa-21483	55	13	confidence	confidence	NOUN
cjfa-21483	55	14	interval	interval	NOUN
cjfa-21483	55	15	as	as	ADP
cjfa-21483	55	16	the	the	DET
cjfa-21483	55	17	bank	bank	NOUN
cjfa-21483	55	18	’s	’s	PART
cjfa-21483	55	19	solvency	solvency	NOUN
cjfa-21483	55	20	standard	standard	NOUN
cjfa-21483	55	21	,	,	PUNCT
cjfa-21483	55	22	doing	do	VERB
cjfa-21483	55	23	so	so	ADV
cjfa-21483	55	24	implies	imply	VERB
cjfa-21483	55	25	an	an	DET
cjfa-21483	55	26	ability	ability	NOUN
cjfa-21483	55	27	to	to	PART
cjfa-21483	55	28	quantify	quantify	VERB
cjfa-21483	55	29	extreme	extreme	ADJ
cjfa-21483	55	30	events	event	NOUN
cjfa-21483	55	31	far	far	ADV
cjfa-21483	55	32	out	out	ADV
cjfa-21483	55	33	in	in	ADP
cjfa-21483	55	34	the	the	DET
cjfa-21483	55	35	tail	tail	NOUN
cjfa-21483	55	36	.	.	PUNCT
cjfa-21483	56	1	to	to	ADP
cjfa-21483	56	2	the	the	DET
cjfa-21483	56	3	extent	extent	NOUN
cjfa-21483	56	4	that	that	SCONJ
cjfa-21483	56	5	knowledge	knowledge	NOUN
cjfa-21483	56	6	means	mean	VERB
cjfa-21483	56	7	being	be	AUX
cjfa-21483	56	8	able	able	ADJ
cjfa-21483	56	9	to	to	PART
cjfa-21483	56	10	measure	measure	VERB
cjfa-21483	56	11	risks	risk	NOUN
cjfa-21483	56	12	in	in	ADP
cjfa-21483	56	13	terms	term	NOUN
cjfa-21483	56	14	of	of	ADP
cjfa-21483	56	15	economic	economic	ADJ
cjfa-21483	56	16	capital	capital	NOUN
cjfa-21483	56	17	,	,	PUNCT
cjfa-21483	56	18	then	then	ADV
cjfa-21483	56	19	the	the	DET
cjfa-21483	56	20	threshold	threshold	NOUN
cjfa-21483	56	21	for	for	ADP
cjfa-21483	56	22	a	a	PRON
cjfa-21483	56	23	is	be	AUX
cjfa-21483	56	24	set	set	VERB
cjfa-21483	56	25	very	very	ADV
cjfa-21483	56	26	high	high	ADJ
cjfa-21483	56	27	.	.	PUNCT
cjfa-21483	57	1	taxonomy	taxonomy	NOUN
cjfa-21483	57	2	of	of	ADP
cjfa-21483	57	3	bank	bank	NOUN
cjfa-21483	57	4	risks	risk	NOUN
cjfa-21483	57	5	as	as	SCONJ
cjfa-21483	57	6	risk	risk	NOUN
cjfa-21483	57	7	management	management	NOUN
cjfa-21483	57	8	techniques	technique	NOUN
cjfa-21483	57	9	have	have	AUX
cjfa-21483	57	10	progressed	progress	VERB
cjfa-21483	57	11	,	,	PUNCT
cjfa-21483	57	12	economic	economic	ADJ
cjfa-21483	57	13	capital	capital	NOUN
cjfa-21483	57	14	models	model	NOUN
cjfa-21483	57	15	have	have	AUX
cjfa-21483	57	16	been	be	AUX
cjfa-21483	57	17	extended	extend	VERB
cjfa-21483	57	18	to	to	ADP
cjfa-21483	57	19	new	new	ADJ
cjfa-21483	57	20	classes	class	NOUN
cjfa-21483	57	21	of	of	ADP
cjfa-21483	57	22	risk	risk	NOUN
cjfa-21483	57	23	,	,	PUNCT
cjfa-21483	57	24	providing	provide	VERB
cjfa-21483	57	25	greater	great	ADJ
cjfa-21483	57	26	resolution	resolution	NOUN
cjfa-21483	57	27	on	on	ADP
cjfa-21483	57	28	the	the	DET
cjfa-21483	57	29	composition	composition	NOUN
cjfa-21483	57	30	of	of	ADP
cjfa-21483	57	31	total	total	ADJ
cjfa-21483	57	32	earnings	earning	NOUN
cjfa-21483	57	33	volatility	volatility	NOUN
cjfa-21483	57	34	(	(	PUNCT
cjfa-21483	57	35	allen	allen	PROPN
cjfa-21483	57	36	,	,	PUNCT
cjfa-21483	57	37	boudoukh	boudoukh	PROPN
cjfa-21483	57	38	&	&	CCONJ
cjfa-21483	57	39	saunders	saunder	NOUN
cjfa-21483	57	40	,	,	PUNCT
cjfa-21483	57	41	2004	2004	NUM
cjfa-21483	57	42	;	;	PUNCT
cjfa-21483	57	43	bui	bui	NOUN
cjfa-21483	57	44	,	,	PUNCT
cjfa-21483	57	45	2019	2019	NUM
cjfa-21483	57	46	)	)	PUNCT
cjfa-21483	57	47	.	.	PUNCT
cjfa-21483	58	1	these	these	DET
cjfa-21483	58	2	developments	development	NOUN
cjfa-21483	58	3	are	be	AUX
cjfa-21483	58	4	reflected	reflect	VERB
cjfa-21483	58	5	in	in	ADP
cjfa-21483	58	6	the	the	DET
cjfa-21483	58	7	evolution	evolution	NOUN
cjfa-21483	58	8	of	of	ADP
cjfa-21483	58	9	bank	bank	NOUN
cjfa-21483	58	10	capital	capital	NOUN
cjfa-21483	58	11	regulation	regulation	NOUN
cjfa-21483	58	12	under	under	ADP
cjfa-21483	58	13	the	the	DET
cjfa-21483	58	14	basel	basel	NOUN
cjfa-21483	58	15	framework	framework	NOUN
cjfa-21483	58	16	.	.	PUNCT
cjfa-21483	59	1	in	in	ADP
cjfa-21483	59	2	1988	1988	NUM
cjfa-21483	59	3	,	,	PUNCT
cjfa-21483	59	4	when	when	SCONJ
cjfa-21483	59	5	the	the	DET
cjfa-21483	59	6	original	original	ADJ
cjfa-21483	59	7	basel	basel	PROPN
cjfa-21483	59	8	capital	capital	NOUN
cjfa-21483	59	9	accord	accord	NOUN
cjfa-21483	59	10	(	(	PUNCT
cjfa-21483	59	11	basel	basel	PROPN
cjfa-21483	59	12	i	i	PROPN
cjfa-21483	59	13	)	)	PUNCT
cjfa-21483	59	14	was	be	AUX
cjfa-21483	59	15	adopted	adopt	VERB
cjfa-21483	59	16	,	,	PUNCT
cjfa-21483	59	17	bank	bank	NOUN
cjfa-21483	59	18	risk	risk	NOUN
cjfa-21483	59	19	management	management	NOUN
cjfa-21483	59	20	was	be	AUX
cjfa-21483	59	21	overwhelmingly	overwhelmingly	ADV
cjfa-21483	59	22	focused	focus	VERB
cjfa-21483	59	23	on	on	ADP
cjfa-21483	59	24	credit	credit	NOUN
cjfa-21483	59	25	risk	risk	NOUN
cjfa-21483	59	26	(	(	PUNCT
cjfa-21483	59	27	bcbs	bcb	NOUN
cjfa-21483	59	28	,	,	PUNCT
cjfa-21483	59	29	1988	1988	NUM
cjfa-21483	59	30	)	)	PUNCT
cjfa-21483	59	31	.	.	PUNCT
cjfa-21483	60	1	basel	basel	PROPN
cjfa-21483	60	2	i	i	PROPN
cjfa-21483	60	3	based	base	VERB
cjfa-21483	60	4	regulatory	regulatory	ADJ
cjfa-21483	60	5	capital	capital	NOUN
cjfa-21483	60	6	requirements	requirement	NOUN
cjfa-21483	60	7	solely	solely	ADV
cjfa-21483	60	8	on	on	ADP
cjfa-21483	60	9	the	the	DET
cjfa-21483	60	10	size	size	NOUN
cjfa-21483	60	11	of	of	ADP
cjfa-21483	60	12	a	a	DET
cjfa-21483	60	13	bank	bank	NOUN
cjfa-21483	60	14	’s	’s	PART
cjfa-21483	60	15	credit	credit	NOUN
cjfa-21483	60	16	assets	asset	NOUN
cjfa-21483	60	17	,	,	PUNCT
cjfa-21483	60	18	with	with	ADP
cjfa-21483	60	19	varying	vary	VERB
cjfa-21483	60	20	risk	risk	NOUN
cjfa-21483	60	21	weights	weight	NOUN
cjfa-21483	60	22	intended	intend	VERB
cjfa-21483	60	23	to	to	PART
cjfa-21483	60	24	reflect	reflect	VERB
cjfa-21483	60	25	(	(	PUNCT
cjfa-21483	60	26	crude	crude	NOUN
cjfa-21483	60	27	)	)	PUNCT
cjfa-21483	60	28	differences	difference	NOUN
cjfa-21483	60	29	in	in	ADP
cjfa-21483	60	30	the	the	DET
cjfa-21483	60	31	levels	level	NOUN
cjfa-21483	60	32	of	of	ADP
cjfa-21483	60	33	credit	credit	NOUN
cjfa-21483	60	34	risk	risk	NOUN
cjfa-21483	60	35	(	(	PUNCT
cjfa-21483	60	36	tsintsadze	tsintsadze	PROPN
cjfa-21483	60	37	,	,	PUNCT
cjfa-21483	60	38	et	et	PROPN
cjfa-21483	60	39	el	el	PROPN
cjfa-21483	60	40	.	.	PROPN
cjfa-21483	60	41	,	,	PUNCT
cjfa-21483	60	42	2019	2019	NUM
cjfa-21483	60	43	)	)	PUNCT
cjfa-21483	60	44	.	.	PUNCT
cjfa-21483	61	1	in	in	ADP
cjfa-21483	61	2	1996	1996	NUM
cjfa-21483	61	3	,	,	PUNCT
cjfa-21483	61	4	the	the	DET
cjfa-21483	61	5	market	market	NOUN
cjfa-21483	61	6	risk	risk	NOUN
cjfa-21483	61	7	amendment	amendment	NOUN
cjfa-21483	61	8	to	to	ADP
cjfa-21483	61	9	basel	basel	PROPN
cjfa-21483	61	10	i	i	PROPN
cjfa-21483	61	11	(	(	PUNCT
cjfa-21483	61	12	bcbs	bcbs	PROPN
cjfa-21483	61	13	,	,	PUNCT
cjfa-21483	61	14	1996	1996	NUM
cjfa-21483	61	15	)	)	PUNCT
cjfa-21483	61	16	subjected	subject	VERB
cjfa-21483	61	17	the	the	DET
cjfa-21483	61	18	price	price	NOUN
cjfa-21483	61	19	risk	risk	NOUN
cjfa-21483	61	20	of	of	ADP
cjfa-21483	61	21	trading	trading	NOUN
cjfa-21483	61	22	positions	position	NOUN
cjfa-21483	61	23	to	to	ADP
cjfa-21483	61	24	an	an	DET
cjfa-21483	61	25	explicit	explicit	ADJ
cjfa-21483	61	26	capital	capital	NOUN
cjfa-21483	61	27	charge	charge	NOUN
cjfa-21483	61	28	,	,	PUNCT
cjfa-21483	61	29	and	and	CCONJ
cjfa-21483	61	30	helped	help	VERB
cjfa-21483	61	31	institutionalize	institutionalize	VERB
cjfa-21483	61	32	value	value	NOUN
cjfa-21483	61	33	at	at	ADP
cjfa-21483	61	34	-	-	PUNCT
cjfa-21483	61	35	risk	risk	NOUN
cjfa-21483	61	36	measures	measure	NOUN
cjfa-21483	61	37	for	for	ADP
cjfa-21483	61	38	market	market	NOUN
cjfa-21483	61	39	risk	risk	NOUN
cjfa-21483	61	40	within	within	ADP
cjfa-21483	61	41	trading	trading	NOUN
cjfa-21483	61	42	books	book	NOUN
cjfa-21483	61	43	.	.	PUNCT
cjfa-21483	62	1	more	more	ADV
cjfa-21483	62	2	recently	recently	ADV
cjfa-21483	62	3	,	,	PUNCT
cjfa-21483	62	4	basel	basel	PROPN
cjfa-21483	62	5	ii	ii	PROPN
cjfa-21483	62	6	has	have	AUX
cjfa-21483	62	7	singled	single	VERB
cjfa-21483	62	8	out	out	ADP
cjfa-21483	62	9	“	"	PUNCT
cjfa-21483	62	10	operational	operational	ADJ
cjfa-21483	62	11	risk	risk	NOUN
cjfa-21483	62	12	”	"	PUNCT
cjfa-21483	62	13	–	–	PUNCT
cjfa-21483	62	14	defined	define	VERB
cjfa-21483	62	15	to	to	PART
cjfa-21483	62	16	include	include	VERB
cjfa-21483	62	17	losses	loss	NOUN
cjfa-21483	62	18	from	from	ADP
cjfa-21483	62	19	internal	internal	ADJ
cjfa-21483	62	20	failures	failure	NOUN
cjfa-21483	62	21	and	and	CCONJ
cjfa-21483	62	22	external	external	ADJ
cjfa-21483	62	23	events	event	NOUN
cjfa-21483	62	24	–	–	PUNCT
cjfa-21483	62	25	as	as	ADP
cjfa-21483	62	26	a	a	DET
cjfa-21483	62	27	specific	specific	ADJ
cjfa-21483	62	28	category	category	NOUN
cjfa-21483	62	29	of	of	ADP
cjfa-21483	62	30	nonfinancial	nonfinancial	ADJ
cjfa-21483	62	31	risk	risk	NOUN
cjfa-21483	62	32	and	and	CCONJ
cjfa-21483	62	33	is	be	AUX
cjfa-21483	62	34	imposing	impose	VERB
cjfa-21483	62	35	a	a	DET
cjfa-21483	62	36	new	new	ADJ
cjfa-21483	62	37	capital	capital	NOUN
cjfa-21483	62	38	charge	charge	NOUN
cjfa-21483	62	39	to	to	PART
cjfa-21483	62	40	cover	cover	VERB
cjfa-21483	62	41	losses	loss	NOUN
cjfa-21483	62	42	associated	associate	VERB
cjfa-21483	62	43	with	with	ADP
cjfa-21483	62	44	operational	operational	ADJ
cjfa-21483	62	45	risk	risk	NOUN
cjfa-21483	62	46	.	.	PUNCT
cjfa-21483	63	1	current	current	ADJ
cjfa-21483	63	2	practice	practice	NOUN
cjfa-21483	63	3	among	among	ADP
cjfa-21483	63	4	leading	lead	VERB
cjfa-21483	63	5	financial	financial	ADJ
cjfa-21483	63	6	institutions	institution	NOUN
cjfa-21483	63	7	is	be	AUX
cjfa-21483	63	8	to	to	PART
cjfa-21483	63	9	break	break	VERB
cjfa-21483	63	10	down	down	ADP
cjfa-21483	63	11	earnings	earning	NOUN
cjfa-21483	63	12	volatility	volatility	NOUN
cjfa-21483	63	13	into	into	ADP
cjfa-21483	63	14	five	five	NUM
cjfa-21483	63	15	main	main	ADJ
cjfa-21483	63	16	sources	source	NOUN
cjfa-21483	63	17	of	of	ADP
cjfa-21483	63	18	risk	risk	NOUN
cjfa-21483	63	19	as	as	SCONJ
cjfa-21483	63	20	depicted	depict	VERB
cjfa-21483	63	21	in	in	ADP
cjfa-21483	63	22	figure	figure	NOUN
cjfa-21483	63	23	hereunder	hereunder	NOUN
cjfa-21483	63	24	:	:	PUNCT
cjfa-21483	63	25	integration	integration	NOUN
cjfa-21483	63	26	of	of	ADP
cjfa-21483	63	27	financial	financial	ADJ
cjfa-21483	63	28	risks	risk	NOUN
cjfa-21483	63	29	with	with	ADP
cjfa-21483	63	30	non	non	ADJ
cjfa-21483	63	31	-	-	ADJ
cjfa-21483	63	32	financial	financial	ADJ
cjfa-21483	63	33	risks	risk	NOUN
cjfa-21483	63	34	…	…	PUNCT
cjfa-21483	63	35	53	53	NUM
cjfa-21483	63	36	figure	figure	NOUN
cjfa-21483	63	37	1	1	NUM
cjfa-21483	63	38	.	.	PUNCT
cjfa-21483	63	39	taxonomy	taxonomy	NOUN
cjfa-21483	63	40	of	of	ADP
cjfa-21483	63	41	bank	bank	NOUN
cjfa-21483	63	42	risks	risk	NOUN
cjfa-21483	63	43	risk	risk	VERB
cjfa-21483	63	44	financial	financial	ADJ
cjfa-21483	63	45	risk	risk	NOUN
cjfa-21483	63	46	market	market	NOUN
cjfa-21483	63	47	risk	risk	NOUN
cjfa-21483	63	48	credit	credit	NOUN
cjfa-21483	63	49	risk	risk	NOUN
cjfa-21483	63	50	a	a	DET
cjfa-21483	63	51	/	/	SYM
cjfa-21483	63	52	l	l	NOUN
cjfa-21483	63	53	risk	risk	NOUN
cjfa-21483	63	54	non	non	ADJ
cjfa-21483	63	55	-	-	ADJ
cjfa-21483	63	56	financial	financial	ADJ
cjfa-21483	63	57	risk	risk	NOUN
cjfa-21483	63	58	operational	operational	ADJ
cjfa-21483	63	59	risk	risk	NOUN
cjfa-21483	63	60	business	business	NOUN
cjfa-21483	63	61	risk	risk	NOUN
cjfa-21483	63	62	=	=	PUNCT
cjfa-21483	63	63	earnings	earning	NOUN
cjfa-21483	63	64	volatility	volatility	NOUN
cjfa-21483	63	65	s	s	PART
cjfa-21483	63	66	o	o	NOUN
cjfa-21483	63	67	u	u	NOUN
cjfa-21483	63	68	r	r	NOUN
cjfa-21483	63	69	c	c	NOUN
cjfa-21483	63	70	e	e	NOUN
cjfa-21483	63	71	:	:	PUNCT
cjfa-21483	63	72	kuritzkes	kuritzkes	PROPN
cjfa-21483	63	73	&	&	CCONJ
cjfa-21483	63	74	schuermann	schuermann	PROPN
cjfa-21483	63	75	(	(	PUNCT
cjfa-21483	63	76	2010	2010	NUM
cjfa-21483	63	77	)	)	PUNCT
cjfa-21483	63	78	.	.	PUNCT
cjfa-21483	64	1	this	this	DET
cjfa-21483	64	2	figure	figure	NOUN
cjfa-21483	64	3	explains	explain	VERB
cjfa-21483	64	4	:	:	PUNCT
cjfa-21483	64	5	i.	i.	NOUN
cjfa-21483	64	6	market	market	NOUN
cjfa-21483	64	7	risk	risk	NOUN
cjfa-21483	64	8	,	,	PUNCT
cjfa-21483	64	9	or	or	CCONJ
cjfa-21483	64	10	the	the	DET
cjfa-21483	64	11	earnings	earning	NOUN
cjfa-21483	64	12	impact	impact	NOUN
cjfa-21483	64	13	associated	associate	VERB
cjfa-21483	64	14	with	with	ADP
cjfa-21483	64	15	adverse	adverse	ADJ
cjfa-21483	64	16	price	price	NOUN
cjfa-21483	64	17	movements	movement	NOUN
cjfa-21483	64	18	in	in	ADP
cjfa-21483	64	19	the	the	DET
cjfa-21483	64	20	bank	bank	NOUN
cjfa-21483	64	21	’s	’s	PART
cjfa-21483	64	22	principal	principal	ADJ
cjfa-21483	64	23	trading	trading	NOUN
cjfa-21483	64	24	positions	position	NOUN
cjfa-21483	64	25	(	(	PUNCT
cjfa-21483	64	26	musyoki	musyoki	PROPN
cjfa-21483	64	27	&	&	CCONJ
cjfa-21483	64	28	komo	komo	PROPN
cjfa-21483	64	29	,	,	PUNCT
cjfa-21483	64	30	2017	2017	NUM
cjfa-21483	64	31	)	)	PUNCT
cjfa-21483	64	32	;	;	PUNCT
cjfa-21483	64	33	ii	ii	X
cjfa-21483	64	34	.	.	PUNCT
cjfa-21483	64	35	credit	credit	NOUN
cjfa-21483	64	36	risk	risk	NOUN
cjfa-21483	64	37	,	,	PUNCT
cjfa-21483	64	38	or	or	CCONJ
cjfa-21483	64	39	the	the	DET
cjfa-21483	64	40	potential	potential	NOUN
cjfa-21483	64	41	for	for	ADP
cjfa-21483	64	42	losses	loss	NOUN
cjfa-21483	64	43	due	due	ADP
cjfa-21483	64	44	to	to	ADP
cjfa-21483	64	45	the	the	DET
cjfa-21483	64	46	failure	failure	NOUN
cjfa-21483	64	47	to	to	PART
cjfa-21483	64	48	pay	pay	VERB
cjfa-21483	64	49	of	of	ADP
cjfa-21483	64	50	credit	credit	NOUN
cjfa-21483	64	51	counterparties	counterpartie	NOUN
cjfa-21483	64	52	(	(	PUNCT
cjfa-21483	64	53	van	van	PROPN
cjfa-21483	64	54	zijl	zijl	PROPN
cjfa-21483	64	55	,	,	PUNCT
cjfa-21483	64	56	wöstmann	wöstmann	NOUN
cjfa-21483	64	57	&	&	CCONJ
cjfa-21483	64	58	maroun	maroun	PROPN
cjfa-21483	64	59	,	,	PUNCT
cjfa-21483	64	60	2017	2017	NUM
cjfa-21483	64	61	)	)	PUNCT
cjfa-21483	64	62	;	;	PUNCT
cjfa-21483	64	63	iii	iii	X
cjfa-21483	64	64	.	.	PROPN
cjfa-21483	64	65	structural	structural	ADJ
cjfa-21483	64	66	asset	asset	NOUN
cjfa-21483	64	67	/	/	SYM
cjfa-21483	64	68	liability	liability	NOUN
cjfa-21483	64	69	risk	risk	NOUN
cjfa-21483	64	70	,	,	PUNCT
cjfa-21483	64	71	or	or	CCONJ
cjfa-21483	64	72	the	the	DET
cjfa-21483	64	73	earnings	earning	NOUN
cjfa-21483	64	74	impact	impact	NOUN
cjfa-21483	64	75	from	from	ADP
cjfa-21483	64	76	shifts	shift	NOUN
cjfa-21483	64	77	in	in	ADP
cjfa-21483	64	78	interest	interest	NOUN
cjfa-21483	64	79	rates	rate	NOUN
cjfa-21483	64	80	on	on	ADP
cjfa-21483	64	81	the	the	DET
cjfa-21483	64	82	bank	bank	NOUN
cjfa-21483	64	83	’s	’s	PART
cjfa-21483	64	84	asset	asset	NOUN
cjfa-21483	64	85	and	and	CCONJ
cjfa-21483	64	86	liability	liability	NOUN
cjfa-21483	64	87	positions	position	NOUN
cjfa-21483	64	88	(	(	PUNCT
cjfa-21483	64	89	cichulska	cichulska	PROPN
cjfa-21483	64	90	&	&	CCONJ
cjfa-21483	64	91	wisniewski	wisniewski	PROPN
cjfa-21483	64	92	,	,	PUNCT
cjfa-21483	64	93	2017	2017	NUM
cjfa-21483	64	94	)	)	PUNCT
cjfa-21483	64	95	;	;	PUNCT
cjfa-21483	64	96	iv	iv	X
cjfa-21483	64	97	.	.	PUNCT
cjfa-21483	64	98	operational	operational	ADJ
cjfa-21483	64	99	risk	risk	NOUN
cjfa-21483	64	100	,	,	PUNCT
cjfa-21483	64	101	or	or	CCONJ
cjfa-21483	64	102	(	(	PUNCT
cjfa-21483	64	103	bcbs	bcbs	PROPN
cjfa-21483	64	104	,	,	PUNCT
cjfa-21483	64	105	2005	2005	NUM
cjfa-21483	64	106	)	)	PUNCT
cjfa-21483	64	107	“	"	PUNCT
cjfa-21483	64	108	the	the	DET
cjfa-21483	64	109	risk	risk	NOUN
cjfa-21483	64	110	of	of	ADP
cjfa-21483	64	111	loss	loss	NOUN
cjfa-21483	64	112	resulting	result	VERB
cjfa-21483	64	113	from	from	ADP
cjfa-21483	64	114	inadequate	inadequate	ADJ
cjfa-21483	64	115	or	or	CCONJ
cjfa-21483	64	116	failed	fail	VERB
cjfa-21483	64	117	internal	internal	ADJ
cjfa-21483	64	118	processes	process	NOUN
cjfa-21483	64	119	,	,	PUNCT
cjfa-21483	64	120	people	people	NOUN
cjfa-21483	64	121	,	,	PUNCT
cjfa-21483	64	122	and	and	CCONJ
cjfa-21483	64	123	systems	system	NOUN
cjfa-21483	64	124	,	,	PUNCT
cjfa-21483	64	125	or	or	CCONJ
cjfa-21483	64	126	from	from	ADP
cjfa-21483	64	127	external	external	ADJ
cjfa-21483	64	128	events	event	NOUN
cjfa-21483	64	129	”	"	PUNCT
cjfa-21483	64	130	;	;	PUNCT
cjfa-21483	64	131	and	and	CCONJ
cjfa-21483	64	132	v.	v.	ADP
cjfa-21483	64	133	business	business	NOUN
cjfa-21483	64	134	risk	risk	NOUN
cjfa-21483	64	135	,	,	PUNCT
cjfa-21483	64	136	or	or	CCONJ
cjfa-21483	64	137	the	the	DET
cjfa-21483	64	138	potential	potential	NOUN
cjfa-21483	64	139	for	for	ADP
cjfa-21483	64	140	losses	loss	NOUN
cjfa-21483	64	141	from	from	ADP
cjfa-21483	64	142	residual	residual	ADJ
cjfa-21483	64	143	sources	source	NOUN
cjfa-21483	64	144	of	of	ADP
cjfa-21483	64	145	non	non	ADJ
cjfa-21483	64	146	-	-	ADJ
cjfa-21483	64	147	financial	financial	ADJ
cjfa-21483	64	148	earnings	earning	NOUN
cjfa-21483	64	149	volatility	volatility	NOUN
cjfa-21483	64	150	.	.	PUNCT
cjfa-21483	65	1	the	the	DET
cjfa-21483	65	2	first	first	ADJ
cjfa-21483	65	3	three	three	NUM
cjfa-21483	65	4	categories	category	NOUN
cjfa-21483	65	5	are	be	AUX
cjfa-21483	65	6	sources	source	NOUN
cjfa-21483	65	7	of	of	ADP
cjfa-21483	65	8	financial	financial	ADJ
cjfa-21483	65	9	risk	risk	NOUN
cjfa-21483	65	10	that	that	PRON
cjfa-21483	65	11	are	be	AUX
cjfa-21483	65	12	a	a	DET
cjfa-21483	65	13	direct	direct	ADJ
cjfa-21483	65	14	result	result	NOUN
cjfa-21483	65	15	of	of	ADP
cjfa-21483	65	16	a	a	DET
cjfa-21483	65	17	bank	bank	NOUN
cjfa-21483	65	18	’s	’s	PART
cjfa-21483	65	19	role	role	NOUN
cjfa-21483	65	20	as	as	ADP
cjfa-21483	65	21	financial	financial	ADJ
cjfa-21483	65	22	intermediary	intermediary	NOUN
cjfa-21483	65	23	or	or	CCONJ
cjfa-21483	65	24	investor	investor	NOUN
cjfa-21483	65	25	(	(	PUNCT
cjfa-21483	65	26	cichulska	cichulska	PROPN
cjfa-21483	65	27	&	&	CCONJ
cjfa-21483	65	28	wisniewski	wisniewski	PROPN
cjfa-21483	65	29	,	,	PUNCT
cjfa-21483	65	30	2017	2017	NUM
cjfa-21483	65	31	)	)	PUNCT
cjfa-21483	65	32	.	.	PUNCT
cjfa-21483	66	1	since	since	SCONJ
cjfa-21483	66	2	the	the	DET
cjfa-21483	66	3	assumption	assumption	NOUN
cjfa-21483	66	4	and	and	CCONJ
cjfa-21483	66	5	transfer	transfer	NOUN
cjfa-21483	66	6	of	of	ADP
cjfa-21483	66	7	financial	financial	ADJ
cjfa-21483	66	8	risk	risk	NOUN
cjfa-21483	66	9	are	be	AUX
cjfa-21483	66	10	,	,	PUNCT
cjfa-21483	66	11	in	in	ADP
cjfa-21483	66	12	many	many	ADJ
cjfa-21483	66	13	respects	respect	NOUN
cjfa-21483	66	14	,	,	PUNCT
cjfa-21483	66	15	the	the	DET
cjfa-21483	66	16	defining	define	VERB
cjfa-21483	66	17	features	feature	NOUN
cjfa-21483	66	18	of	of	ADP
cjfa-21483	66	19	a	a	DET
cjfa-21483	66	20	financial	financial	ADJ
cjfa-21483	66	21	institution	institution	NOUN
cjfa-21483	66	22	,	,	PUNCT
cjfa-21483	66	23	these	these	DET
cjfa-21483	66	24	risks	risk	NOUN
cjfa-21483	66	25	can	can	AUX
cjfa-21483	66	26	be	be	AUX
cjfa-21483	66	27	expected	expect	VERB
cjfa-21483	66	28	to	to	PART
cjfa-21483	66	29	predominate	predominate	VERB
cjfa-21483	66	30	in	in	ADP
cjfa-21483	66	31	banking	banking	NOUN
cjfa-21483	66	32	(	(	PUNCT
cjfa-21483	66	33	costa	costa	NOUN
cjfa-21483	66	34	-	-	PUNCT
cjfa-21483	66	35	climent	climent	PROPN
cjfa-21483	66	36	&	&	CCONJ
cjfa-21483	66	37	martínez	martínez	PROPN
cjfa-21483	66	38	-	-	PUNCT
cjfa-21483	66	39	climent	climent	PROPN
cjfa-21483	66	40	,	,	PUNCT
cjfa-21483	66	41	2018	2018	NUM
cjfa-21483	66	42	)	)	PUNCT
cjfa-21483	66	43	.	.	PUNCT
cjfa-21483	67	1	the	the	DET
cjfa-21483	67	2	latter	latter	ADJ
cjfa-21483	67	3	two	two	NUM
cjfa-21483	67	4	categories	category	NOUN
cjfa-21483	67	5	refer	refer	VERB
cjfa-21483	67	6	to	to	ADP
cjfa-21483	67	7	risks	risk	NOUN
cjfa-21483	67	8	that	that	PRON
cjfa-21483	67	9	are	be	AUX
cjfa-21483	67	10	non	non	ADJ
cjfa-21483	67	11	-	-	ADJ
cjfa-21483	67	12	financial	financial	ADJ
cjfa-21483	67	13	in	in	ADP
cjfa-21483	67	14	nature	nature	NOUN
cjfa-21483	67	15	,	,	PUNCT
cjfa-21483	67	16	and	and	CCONJ
cjfa-21483	67	17	common	common	ADJ
cjfa-21483	67	18	to	to	ADP
cjfa-21483	67	19	all	all	DET
cjfa-21483	67	20	firms	firm	NOUN
cjfa-21483	67	21	.	.	PUNCT
cjfa-21483	68	1	business	business	NOUN
cjfa-21483	68	2	risk	risk	NOUN
cjfa-21483	68	3	,	,	PUNCT
cjfa-21483	68	4	in	in	ADP
cjfa-21483	68	5	particular	particular	ADJ
cjfa-21483	68	6	,	,	PUNCT
cjfa-21483	68	7	is	be	AUX
cjfa-21483	68	8	a	a	DET
cjfa-21483	68	9	broad	broad	ADJ
cjfa-21483	68	10	catch	catch	NOUN
cjfa-21483	68	11	-	-	PUNCT
cjfa-21483	68	12	all	all	PRON
cjfa-21483	68	13	that	that	PRON
cjfa-21483	68	14	includes	include	VERB
cjfa-21483	68	15	all	all	DET
cjfa-21483	68	16	sources	source	NOUN
cjfa-21483	68	17	of	of	ADP
cjfa-21483	68	18	non	non	ADJ
cjfa-21483	68	19	-	-	ADJ
cjfa-21483	68	20	financial	financial	ADJ
cjfa-21483	68	21	risk	risk	NOUN
cjfa-21483	68	22	not	not	PART
cjfa-21483	68	23	directly	directly	ADV
cjfa-21483	68	24	attributable	attributable	ADJ
cjfa-21483	68	25	to	to	ADP
cjfa-21483	68	26	internal	internal	ADJ
cjfa-21483	68	27	failsyed	failsye	VERB
cjfa-21483	68	28	alamdar	alamdar	PROPN
cjfa-21483	68	29	ali	ali	PROPN
cjfa-21483	68	30	shah54	shah54	PROPN
cjfa-21483	68	31	ures	ure	NOUN
cjfa-21483	68	32	or	or	CCONJ
cjfa-21483	68	33	external	external	ADJ
cjfa-21483	68	34	events	event	NOUN
cjfa-21483	68	35	(	(	PUNCT
cjfa-21483	68	36	hargovan	hargovan	PROPN
cjfa-21483	68	37	,	,	PUNCT
cjfa-21483	68	38	2019	2019	NUM
cjfa-21483	68	39	)	)	PUNCT
cjfa-21483	68	40	.	.	PUNCT
cjfa-21483	69	1	this	this	DET
cjfa-21483	69	2	category	category	NOUN
cjfa-21483	69	3	covers	cover	VERB
cjfa-21483	69	4	a	a	DET
cjfa-21483	69	5	host	host	NOUN
cjfa-21483	69	6	of	of	ADP
cjfa-21483	69	7	sins	sin	NOUN
cjfa-21483	69	8	,	,	PUNCT
cjfa-21483	69	9	ranging	range	VERB
cjfa-21483	69	10	from	from	ADP
cjfa-21483	69	11	a	a	DET
cjfa-21483	69	12	drop	drop	NOUN
cjfa-21483	69	13	in	in	ADP
cjfa-21483	69	14	demand	demand	NOUN
cjfa-21483	69	15	,	,	PUNCT
cjfa-21483	69	16	a	a	DET
cjfa-21483	69	17	cost	cost	NOUN
cjfa-21483	69	18	spike	spike	NOUN
cjfa-21483	69	19	,	,	PUNCT
cjfa-21483	69	20	technological	technological	ADJ
cjfa-21483	69	21	obsolescence	obsolescence	NOUN
cjfa-21483	69	22	,	,	PUNCT
cjfa-21483	69	23	regulatory	regulatory	ADJ
cjfa-21483	69	24	change	change	NOUN
cjfa-21483	69	25	,	,	PUNCT
cjfa-21483	69	26	price	price	NOUN
cjfa-21483	69	27	wars	war	NOUN
cjfa-21483	69	28	,	,	PUNCT
cjfa-21483	69	29	and	and	CCONJ
cjfa-21483	69	30	failed	fail	VERB
cjfa-21483	69	31	strategies	strategy	NOUN
cjfa-21483	69	32	,	,	PUNCT
cjfa-21483	69	33	and	and	CCONJ
cjfa-21483	69	34	can	can	AUX
cjfa-21483	69	35	be	be	AUX
cjfa-21483	69	36	expected	expect	VERB
cjfa-21483	69	37	to	to	PART
cjfa-21483	69	38	be	be	AUX
cjfa-21483	69	39	the	the	DET
cjfa-21483	69	40	dominant	dominant	ADJ
cjfa-21483	69	41	risk	risk	NOUN
cjfa-21483	69	42	faced	face	VERB
cjfa-21483	69	43	by	by	ADP
cjfa-21483	69	44	non	non	ADJ
cjfa-21483	69	45	-	-	ADJ
cjfa-21483	69	46	financial	financial	ADJ
cjfa-21483	69	47	firms	firm	NOUN
cjfa-21483	69	48	.	.	PUNCT
cjfa-21483	70	1	framework	framework	NOUN
cjfa-21483	70	2	of	of	ADP
cjfa-21483	70	3	our	our	PRON
cjfa-21483	70	4	study	study	NOUN
cjfa-21483	70	5	:	:	PUNCT
cjfa-21483	70	6	given	give	VERB
cjfa-21483	70	7	the	the	DET
cjfa-21483	70	8	taxonomy	taxonomy	NOUN
cjfa-21483	70	9	of	of	ADP
cjfa-21483	70	10	bank	bank	NOUN
cjfa-21483	70	11	risk	risk	NOUN
cjfa-21483	70	12	,	,	PUNCT
cjfa-21483	70	13	we	we	PRON
cjfa-21483	70	14	further	far	ADV
cjfa-21483	70	15	categorize	categorize	VERB
cjfa-21483	70	16	financial	financial	ADJ
cjfa-21483	70	17	and	and	CCONJ
cjfa-21483	70	18	non	non	ADJ
cjfa-21483	70	19	-	-	ADJ
cjfa-21483	70	20	financial	financial	ADJ
cjfa-21483	70	21	risks	risk	NOUN
cjfa-21483	70	22	into	into	ADP
cjfa-21483	70	23	the	the	DET
cjfa-21483	70	24	following	follow	VERB
cjfa-21483	70	25	three	three	NUM
cjfa-21483	70	26	categories	category	NOUN
cjfa-21483	70	27	;	;	PUNCT
cjfa-21483	70	28	existing	exist	VERB
cjfa-21483	70	29	,	,	PUNCT
cjfa-21483	70	30	recognizable	recognizable	ADJ
cjfa-21483	70	31	and	and	CCONJ
cjfa-21483	70	32	enigmatic	enigmatic	ADJ
cjfa-21483	70	33	risks	risk	NOUN
cjfa-21483	70	34	,	,	PUNCT
cjfa-21483	70	35	for	for	ADP
cjfa-21483	70	36	taking	take	VERB
cjfa-21483	70	37	the	the	DET
cjfa-21483	70	38	views	view	NOUN
cjfa-21483	70	39	of	of	ADP
cjfa-21483	70	40	our	our	PRON
cjfa-21483	70	41	practitioners	practitioner	NOUN
cjfa-21483	70	42	where	where	SCONJ
cjfa-21483	70	43	:	:	PUNCT
cjfa-21483	70	44	a	a	DET
cjfa-21483	70	45	risk	risk	NOUN
cjfa-21483	70	46	is	be	AUX
cjfa-21483	70	47	“	"	PUNCT
cjfa-21483	70	48	existing	exist	VERB
cjfa-21483	70	49	”	"	PUNCT
cjfa-21483	70	50	(	(	PUNCT
cjfa-21483	70	51	a	a	X
cjfa-21483	70	52	)	)	PUNCT
cjfa-21483	70	53	if	if	SCONJ
cjfa-21483	70	54	it	it	PRON
cjfa-21483	70	55	can	can	AUX
cjfa-21483	70	56	be	be	AUX
cjfa-21483	70	57	identified	identify	VERB
cjfa-21483	70	58	and	and	CCONJ
cjfa-21483	70	59	quantified	quantify	VERB
cjfa-21483	70	60	.	.	PUNCT
cjfa-21483	71	1	for	for	ADP
cjfa-21483	71	2	a	a	DET
cjfa-21483	71	3	practitioner	practitioner	NOUN
cjfa-21483	71	4	,	,	PUNCT
cjfa-21483	71	5	risk	risk	NOUN
cjfa-21483	71	6	quantification	quantification	NOUN
cjfa-21483	71	7	has	have	AUX
cjfa-21483	71	8	developed	develop	VERB
cjfa-21483	71	9	a	a	DET
cjfa-21483	71	10	specific	specific	ADJ
cjfa-21483	71	11	meaning	meaning	NOUN
cjfa-21483	71	12	:	:	PUNCT
cjfa-21483	71	13	the	the	DET
cjfa-21483	71	14	ability	ability	NOUN
cjfa-21483	71	15	to	to	PART
cjfa-21483	71	16	estimate	estimate	VERB
cjfa-21483	71	17	downside	downside	ADJ
cjfa-21483	71	18	tail	tail	NOUN
cjfa-21483	71	19	risks	risk	NOUN
cjfa-21483	71	20	or	or	CCONJ
cjfa-21483	71	21	extreme	extreme	ADJ
cjfa-21483	71	22	loss	loss	NOUN
cjfa-21483	71	23	events	event	NOUN
cjfa-21483	71	24	at	at	ADP
cjfa-21483	71	25	high	high	ADJ
cjfa-21483	71	26	confidence	confidence	NOUN
cjfa-21483	71	27	levels	level	NOUN
cjfa-21483	71	28	associated	associate	VERB
cjfa-21483	71	29	with	with	ADP
cjfa-21483	71	30	a	a	DET
cjfa-21483	71	31	bank	bank	NOUN
cjfa-21483	71	32	’s	’s	PART
cjfa-21483	71	33	solvency	solvency	NOUN
cjfa-21483	71	34	standard	standard	NOUN
cjfa-21483	71	35	.	.	PUNCT
cjfa-21483	72	1	this	this	DET
cjfa-21483	72	2	concept	concept	NOUN
cjfa-21483	72	3	is	be	AUX
cjfa-21483	72	4	what	what	PRON
cjfa-21483	72	5	underlies	underlie	VERB
cjfa-21483	72	6	economic	economic	ADJ
cjfa-21483	72	7	capital	capital	NOUN
cjfa-21483	72	8	,	,	PUNCT
cjfa-21483	72	9	the	the	DET
cjfa-21483	72	10	common	common	ADJ
cjfa-21483	72	11	denominator	denominator	NOUN
cjfa-21483	72	12	for	for	ADP
cjfa-21483	72	13	risk	risk	NOUN
cjfa-21483	72	14	measurement	measurement	NOUN
cjfa-21483	72	15	that	that	PRON
cjfa-21483	72	16	has	have	AUX
cjfa-21483	72	17	emerged	emerge	VERB
cjfa-21483	72	18	within	within	ADP
cjfa-21483	72	19	the	the	DET
cjfa-21483	72	20	banking	banking	NOUN
cjfa-21483	72	21	industry	industry	NOUN
cjfa-21483	72	22	.	.	PUNCT
cjfa-21483	73	1	an	an	DET
cjfa-21483	73	2	economic	economic	ADJ
cjfa-21483	73	3	capital	capital	NOUN
cjfa-21483	73	4	approach	approach	NOUN
cjfa-21483	73	5	to	to	PART
cjfa-21483	73	6	risk	risk	VERB
cjfa-21483	73	7	quantification	quantification	NOUN
cjfa-21483	73	8	is	be	AUX
cjfa-21483	73	9	the	the	DET
cjfa-21483	73	10	basis	basis	NOUN
cjfa-21483	73	11	on	on	ADP
cjfa-21483	73	12	which	which	PRON
cjfa-21483	73	13	capital	capital	NOUN
cjfa-21483	73	14	requirements	requirement	NOUN
cjfa-21483	73	15	for	for	ADP
cjfa-21483	73	16	credit	credit	NOUN
cjfa-21483	73	17	,	,	PUNCT
cjfa-21483	73	18	market	market	NOUN
cjfa-21483	73	19	,	,	PUNCT
cjfa-21483	73	20	and	and	CCONJ
cjfa-21483	73	21	operational	operational	ADJ
cjfa-21483	73	22	risks	risk	NOUN
cjfa-21483	73	23	are	be	AUX
cjfa-21483	73	24	set	set	VERB
cjfa-21483	73	25	under	under	ADP
cjfa-21483	73	26	basel	basel	PROPN
cjfa-21483	73	27	ii	ii	PROPN
cjfa-21483	73	28	.	.	PUNCT
cjfa-21483	74	1	all	all	DET
cjfa-21483	74	2	such	such	ADJ
cjfa-21483	74	3	risks	risk	NOUN
cjfa-21483	74	4	are	be	AUX
cjfa-21483	74	5	called	call	VERB
cjfa-21483	74	6	financial	financial	ADJ
cjfa-21483	74	7	risks	risk	NOUN
cjfa-21483	74	8	.	.	PUNCT
cjfa-21483	75	1	a	a	DET
cjfa-21483	75	2	risk	risk	NOUN
cjfa-21483	75	3	is	be	AUX
cjfa-21483	75	4	“	"	PUNCT
cjfa-21483	75	5	recognizable	recognizable	ADJ
cjfa-21483	75	6	”	"	PUNCT
cjfa-21483	75	7	(	(	PUNCT
cjfa-21483	75	8	b	b	X
cjfa-21483	75	9	)	)	PUNCT
cjfa-21483	75	10	if	if	SCONJ
cjfa-21483	75	11	it	it	PRON
cjfa-21483	75	12	belongs	belong	VERB
cjfa-21483	75	13	to	to	ADP
cjfa-21483	75	14	a	a	DET
cjfa-21483	75	15	set	set	NOUN
cjfa-21483	75	16	of	of	ADP
cjfa-21483	75	17	risks	risk	NOUN
cjfa-21483	75	18	that	that	PRON
cjfa-21483	75	19	can	can	AUX
cjfa-21483	75	20	be	be	AUX
cjfa-21483	75	21	identified	identify	VERB
cjfa-21483	75	22	but	but	CCONJ
cjfa-21483	75	23	not	not	PART
cjfa-21483	75	24	meaningfully	meaningfully	ADV
cjfa-21483	75	25	quantified	quantify	VERB
cjfa-21483	75	26	at	at	ADP
cjfa-21483	75	27	present	present	ADJ
cjfa-21483	75	28	.	.	PUNCT
cjfa-21483	76	1	an	an	DET
cjfa-21483	76	2	example	example	NOUN
cjfa-21483	76	3	of	of	ADP
cjfa-21483	76	4	an	an	DET
cjfa-21483	76	5	unknown	unknown	ADJ
cjfa-21483	76	6	risk	risk	NOUN
cjfa-21483	76	7	might	might	AUX
cjfa-21483	76	8	be	be	AUX
cjfa-21483	76	9	the	the	DET
cjfa-21483	76	10	impact	impact	NOUN
cjfa-21483	76	11	of	of	ADP
cjfa-21483	76	12	reputation	reputation	NOUN
cjfa-21483	76	13	risk	risk	NOUN
cjfa-21483	76	14	following	follow	VERB
cjfa-21483	76	15	the	the	DET
cjfa-21483	76	16	criminal	criminal	ADJ
cjfa-21483	76	17	indictment	indictment	NOUN
cjfa-21483	76	18	of	of	ADP
cjfa-21483	76	19	a	a	DET
cjfa-21483	76	20	bank	bank	NOUN
cjfa-21483	76	21	’s	’s	PART
cjfa-21483	76	22	ceo	ceo	PROPN
cjfa-21483	76	23	for	for	ADP
cjfa-21483	76	24	fraud	fraud	NOUN
cjfa-21483	76	25	.	.	PUNCT
cjfa-21483	77	1	while	while	SCONJ
cjfa-21483	77	2	the	the	DET
cjfa-21483	77	3	general	general	ADJ
cjfa-21483	77	4	class	class	NOUN
cjfa-21483	77	5	of	of	ADP
cjfa-21483	77	6	reputation	reputation	NOUN
cjfa-21483	77	7	risks	risk	NOUN
cjfa-21483	77	8	can	can	AUX
cjfa-21483	77	9	be	be	AUX
cjfa-21483	77	10	identified	identify	VERB
cjfa-21483	77	11	,	,	PUNCT
cjfa-21483	77	12	the	the	DET
cjfa-21483	77	13	consequences	consequence	NOUN
cjfa-21483	77	14	are	be	AUX
cjfa-21483	77	15	likely	likely	ADJ
cjfa-21483	77	16	to	to	PART
cjfa-21483	77	17	be	be	AUX
cjfa-21483	77	18	too	too	ADV
cjfa-21483	77	19	diffuse	diffuse	ADJ
cjfa-21483	77	20	and	and	CCONJ
cjfa-21483	77	21	fact	fact	NOUN
cjfa-21483	77	22	-	-	PUNCT
cjfa-21483	77	23	specific	specific	NOUN
cjfa-21483	77	24	to	to	PART
cjfa-21483	77	25	be	be	AUX
cjfa-21483	77	26	meaningfully	meaningfully	ADV
cjfa-21483	77	27	quantified	quantify	VERB
cjfa-21483	77	28	.	.	PUNCT
cjfa-21483	78	1	over	over	ADP
cjfa-21483	78	2	time	time	NOUN
cjfa-21483	78	3	,	,	PUNCT
cjfa-21483	78	4	it	it	PRON
cjfa-21483	78	5	may	may	AUX
cjfa-21483	78	6	be	be	AUX
cjfa-21483	78	7	possible	possible	ADJ
cjfa-21483	78	8	for	for	SCONJ
cjfa-21483	78	9	reputation	reputation	NOUN
cjfa-21483	78	10	risks	risk	NOUN
cjfa-21483	78	11	to	to	PART
cjfa-21483	78	12	be	be	AUX
cjfa-21483	78	13	linked	link	VERB
cjfa-21483	78	14	to	to	ADP
cjfa-21483	78	15	causal	causal	ADJ
cjfa-21483	78	16	factors	factor	NOUN
cjfa-21483	78	17	and	and	CCONJ
cjfa-21483	78	18	estimated	estimate	VERB
cjfa-21483	78	19	discretely	discretely	ADV
cjfa-21483	78	20	,	,	PUNCT
cjfa-21483	78	21	in	in	ADP
cjfa-21483	78	22	which	which	DET
cjfa-21483	78	23	case	case	NOUN
cjfa-21483	78	24	reputation	reputation	NOUN
cjfa-21483	78	25	risks	risk	NOUN
cjfa-21483	78	26	will	will	AUX
cjfa-21483	78	27	become	become	VERB
cjfa-21483	78	28	more	more	ADV
cjfa-21483	78	29	“	"	PUNCT
cjfa-21483	78	30	existent	existent	ADJ
cjfa-21483	78	31	”	"	PUNCT
cjfa-21483	78	32	but	but	CCONJ
cjfa-21483	78	33	that	that	PRON
cjfa-21483	78	34	is	be	AUX
cjfa-21483	78	35	not	not	PART
cjfa-21483	78	36	the	the	DET
cjfa-21483	78	37	case	case	NOUN
cjfa-21483	78	38	given	give	VERB
cjfa-21483	78	39	prevailing	prevail	VERB
cjfa-21483	78	40	information	information	NOUN
cjfa-21483	78	41	and	and	CCONJ
cjfa-21483	78	42	technology	technology	NOUN
cjfa-21483	78	43	.	.	PUNCT
cjfa-21483	79	1	for	for	ADP
cjfa-21483	79	2	this	this	DET
cjfa-21483	79	3	reason	reason	NOUN
cjfa-21483	79	4	,	,	PUNCT
cjfa-21483	79	5	basel	basel	PROPN
cjfa-21483	79	6	ii	ii	PROPN
cjfa-21483	79	7	specifically	specifically	ADV
cjfa-21483	79	8	excludes	exclude	VERB
cjfa-21483	79	9	reputation	reputation	NOUN
cjfa-21483	79	10	risks	risk	NOUN
cjfa-21483	79	11	from	from	ADP
cjfa-21483	79	12	the	the	DET
cjfa-21483	79	13	category	category	NOUN
cjfa-21483	79	14	of	of	ADP
cjfa-21483	79	15	“	"	PUNCT
cjfa-21483	79	16	operational	operational	ADJ
cjfa-21483	79	17	risks	risk	NOUN
cjfa-21483	79	18	”	"	PUNCT
cjfa-21483	79	19	for	for	ADP
cjfa-21483	79	20	which	which	PRON
cjfa-21483	79	21	banks	bank	NOUN
cjfa-21483	79	22	must	must	AUX
cjfa-21483	79	23	hold	hold	VERB
cjfa-21483	79	24	capital	capital	NOUN
cjfa-21483	79	25	(	(	PUNCT
cjfa-21483	79	26	bcbs	bcbs	PROPN
cjfa-21483	79	27	,	,	PUNCT
cjfa-21483	79	28	2005	2005	NUM
cjfa-21483	79	29	)	)	PUNCT
cjfa-21483	79	30	.	.	PUNCT
cjfa-21483	80	1	a	a	DET
cjfa-21483	80	2	risk	risk	NOUN
cjfa-21483	80	3	is	be	AUX
cjfa-21483	80	4	“	"	PUNCT
cjfa-21483	80	5	enigmatic	enigmatic	ADJ
cjfa-21483	80	6	”	"	PUNCT
cjfa-21483	80	7	(	(	PUNCT
cjfa-21483	80	8	c	c	NOUN
cjfa-21483	80	9	)	)	PUNCT
cjfa-21483	80	10	if	if	SCONJ
cjfa-21483	80	11	the	the	DET
cjfa-21483	80	12	existence	existence	NOUN
cjfa-21483	80	13	of	of	ADP
cjfa-21483	80	14	the	the	DET
cjfa-21483	80	15	risk	risk	NOUN
cjfa-21483	80	16	or	or	CCONJ
cjfa-21483	80	17	set	set	NOUN
cjfa-21483	80	18	of	of	ADP
cjfa-21483	80	19	risks	risk	NOUN
cjfa-21483	80	20	is	be	AUX
cjfa-21483	80	21	not	not	PART
cjfa-21483	80	22	predictable	predictable	ADJ
cjfa-21483	80	23	,	,	PUNCT
cjfa-21483	80	24	let	let	VERB
cjfa-21483	80	25	alone	alone	ADV
cjfa-21483	80	26	quantifiable	quantifiable	ADJ
cjfa-21483	80	27	.	.	PUNCT
cjfa-21483	81	1	for	for	ADP
cjfa-21483	81	2	instance	instance	NOUN
cjfa-21483	81	3	,	,	PUNCT
cjfa-21483	81	4	the	the	DET
cjfa-21483	81	5	risks	risk	NOUN
cjfa-21483	81	6	that	that	PRON
cjfa-21483	81	7	a	a	DET
cjfa-21483	81	8	terrorist	terrorist	ADJ
cjfa-21483	81	9	attack	attack	NOUN
cjfa-21483	81	10	might	might	AUX
cjfa-21483	81	11	have	have	VERB
cjfa-21483	81	12	on	on	ADP
cjfa-21483	81	13	the	the	DET
cjfa-21483	81	14	businesses	business	NOUN
cjfa-21483	81	15	.	.	PUNCT
cjfa-21483	82	1	based	base	VERB
cjfa-21483	82	2	on	on	ADP
cjfa-21483	82	3	these	these	DET
cjfa-21483	82	4	concepts	concept	NOUN
cjfa-21483	82	5	,	,	PUNCT
cjfa-21483	82	6	this	this	DET
cjfa-21483	82	7	paper	paper	NOUN
cjfa-21483	82	8	proposes	propose	VERB
cjfa-21483	82	9	a	a	DET
cjfa-21483	82	10	framework	framework	NOUN
cjfa-21483	82	11	for	for	ADP
cjfa-21483	82	12	positioning	position	VERB
cjfa-21483	82	13	different	different	ADJ
cjfa-21483	82	14	sources	source	NOUN
cjfa-21483	82	15	of	of	ADP
cjfa-21483	82	16	risks	risk	NOUN
cjfa-21483	82	17	of	of	ADP
cjfa-21483	82	18	financial	financial	ADJ
cjfa-21483	82	19	institutions	institution	NOUN
cjfa-21483	82	20	in	in	ADP
cjfa-21483	82	21	the	the	DET
cjfa-21483	82	22	a	a	PROPN
cjfa-21483	82	23	,	,	PUNCT
cjfa-21483	82	24	b	b	NOUN
cjfa-21483	82	25	,	,	PUNCT
cjfa-21483	82	26	c	c	PROPN
cjfa-21483	82	27	space	space	NOUN
cjfa-21483	82	28	from	from	ADP
cjfa-21483	82	29	the	the	DET
cjfa-21483	82	30	point	point	NOUN
cjfa-21483	82	31	of	of	ADP
cjfa-21483	82	32	view	view	NOUN
cjfa-21483	82	33	of	of	ADP
cjfa-21483	82	34	risk	risk	NOUN
cjfa-21483	82	35	managers	manager	NOUN
cjfa-21483	82	36	and	and	CCONJ
cjfa-21483	82	37	practitioners	practitioner	NOUN
cjfa-21483	82	38	.	.	PUNCT
cjfa-21483	83	1	consistent	consistent	ADJ
cjfa-21483	83	2	with	with	ADP
cjfa-21483	83	3	how	how	SCONJ
cjfa-21483	83	4	risk	risk	NOUN
cjfa-21483	83	5	is	be	AUX
cjfa-21483	83	6	defined	define	VERB
cjfa-21483	83	7	by	by	ADP
cjfa-21483	83	8	practitioners	practitioner	NOUN
cjfa-21483	83	9	,	,	PUNCT
cjfa-21483	83	10	risk	risk	NOUN
cjfa-21483	83	11	has	have	AUX
cjfa-21483	83	12	been	be	AUX
cjfa-21483	83	13	defined	define	VERB
cjfa-21483	83	14	as	as	ADP
cjfa-21483	83	15	deviation	deviation	NOUN
cjfa-21483	83	16	from	from	ADP
cjfa-21483	83	17	expected	expect	VERB
cjfa-21483	83	18	earnings	earning	NOUN
cjfa-21483	83	19	–	–	PUNCT
cjfa-21483	83	20	or	or	CCONJ
cjfa-21483	83	21	,	,	PUNCT
cjfa-21483	83	22	equivalently	equivalently	ADV
cjfa-21483	83	23	,	,	PUNCT
cjfa-21483	83	24	earnings	earning	NOUN
cjfa-21483	83	25	volatility	volatility	NOUN
cjfa-21483	83	26	–	–	PUNCT
cjfa-21483	83	27	and	and	CCONJ
cjfa-21483	83	28	disaggregate	disaggregate	ADJ
cjfa-21483	83	29	risk	risk	NOUN
cjfa-21483	83	30	into	into	ADP
cjfa-21483	83	31	five	five	NUM
cjfa-21483	83	32	main	main	ADJ
cjfa-21483	83	33	categories	category	NOUN
cjfa-21483	83	34	.	.	PUNCT
cjfa-21483	84	1	the	the	DET
cjfa-21483	84	2	first	first	ADJ
cjfa-21483	84	3	three	three	NUM
cjfa-21483	84	4	categories	category	NOUN
cjfa-21483	84	5	include	include	VERB
cjfa-21483	84	6	market	market	NOUN
cjfa-21483	84	7	risk	risk	NOUN
cjfa-21483	84	8	from	from	ADP
cjfa-21483	84	9	trading	trading	NOUN
cjfa-21483	84	10	integration	integration	NOUN
cjfa-21483	84	11	of	of	ADP
cjfa-21483	84	12	financial	financial	ADJ
cjfa-21483	84	13	risks	risk	NOUN
cjfa-21483	84	14	with	with	ADP
cjfa-21483	84	15	non	non	ADJ
cjfa-21483	84	16	-	-	ADJ
cjfa-21483	84	17	financial	financial	ADJ
cjfa-21483	84	18	risks	risk	NOUN
cjfa-21483	84	19	…	…	PUNCT
cjfa-21483	84	20	55	55	NUM
cjfa-21483	84	21	activities	activity	NOUN
cjfa-21483	84	22	,	,	PUNCT
cjfa-21483	84	23	structural	structural	ADJ
cjfa-21483	84	24	interest	interest	NOUN
cjfa-21483	84	25	rate	rate	NOUN
cjfa-21483	84	26	risk	risk	NOUN
cjfa-21483	84	27	from	from	ADP
cjfa-21483	84	28	asset	asset	NOUN
cjfa-21483	84	29	/	/	SYM
cjfa-21483	84	30	liability	liability	NOUN
cjfa-21483	84	31	management	management	NOUN
cjfa-21483	84	32	,	,	PUNCT
cjfa-21483	84	33	and	and	CCONJ
cjfa-21483	84	34	credit	credit	NOUN
cjfa-21483	84	35	risk	risk	NOUN
cjfa-21483	84	36	,	,	PUNCT
cjfa-21483	84	37	which	which	PRON
cjfa-21483	84	38	together	together	ADV
cjfa-21483	84	39	constitute	constitute	VERB
cjfa-21483	84	40	the	the	DET
cjfa-21483	84	41	main	main	ADJ
cjfa-21483	84	42	sources	source	NOUN
cjfa-21483	84	43	of	of	ADP
cjfa-21483	84	44	financial	financial	ADJ
cjfa-21483	84	45	risk	risk	NOUN
cjfa-21483	84	46	.	.	PUNCT
cjfa-21483	85	1	the	the	DET
cjfa-21483	85	2	remaining	remain	VERB
cjfa-21483	85	3	two	two	NUM
cjfa-21483	85	4	categories	category	NOUN
cjfa-21483	85	5	refer	refer	VERB
cjfa-21483	85	6	to	to	ADP
cjfa-21483	85	7	sources	source	NOUN
cjfa-21483	85	8	of	of	ADP
cjfa-21483	85	9	non	non	ADJ
cjfa-21483	85	10	-	-	ADJ
cjfa-21483	85	11	financial	financial	ADJ
cjfa-21483	85	12	risk	risk	NOUN
cjfa-21483	85	13	,	,	PUNCT
cjfa-21483	85	14	and	and	CCONJ
cjfa-21483	85	15	include	include	VERB
cjfa-21483	85	16	operational	operational	ADJ
cjfa-21483	85	17	risk	risk	NOUN
cjfa-21483	85	18	and	and	CCONJ
cjfa-21483	85	19	“	"	PUNCT
cjfa-21483	85	20	business	business	NOUN
cjfa-21483	85	21	risk	risk	NOUN
cjfa-21483	85	22	”	"	PUNCT
cjfa-21483	85	23	–	–	PUNCT
cjfa-21483	85	24	this	this	DET
cjfa-21483	85	25	last	last	ADJ
cjfa-21483	85	26	category	category	NOUN
cjfa-21483	85	27	being	be	AUX
cjfa-21483	85	28	a	a	DET
cjfa-21483	85	29	catch	catch	NOUN
cjfa-21483	85	30	-	-	PUNCT
cjfa-21483	85	31	all	all	PRON
cjfa-21483	85	32	for	for	ADP
cjfa-21483	85	33	residual	residual	ADJ
cjfa-21483	85	34	non	non	ADJ
cjfa-21483	85	35	-	-	ADJ
cjfa-21483	85	36	financial	financial	ADJ
cjfa-21483	85	37	earnings	earning	NOUN
cjfa-21483	85	38	volatility	volatility	NOUN
cjfa-21483	85	39	.	.	PUNCT
cjfa-21483	86	1	we	we	PRON
cjfa-21483	86	2	posit	posit	VERB
cjfa-21483	86	3	that	that	SCONJ
cjfa-21483	86	4	these	these	DET
cjfa-21483	86	5	three	three	NUM
cjfa-21483	86	6	types	type	NOUN
cjfa-21483	86	7	of	of	ADP
cjfa-21483	86	8	risks	risk	NOUN
cjfa-21483	86	9	vary	vary	VERB
cjfa-21483	86	10	according	accord	VERB
cjfa-21483	86	11	to	to	ADP
cjfa-21483	86	12	two	two	NUM
cjfa-21483	86	13	main	main	ADJ
cjfa-21483	86	14	factors	factor	NOUN
cjfa-21483	86	15	.	.	PUNCT
cjfa-21483	87	1	the	the	DET
cjfa-21483	87	2	first	first	ADJ
cjfa-21483	87	3	factor	factor	NOUN
cjfa-21483	87	4	is	be	AUX
cjfa-21483	87	5	quantification	quantification	NOUN
cjfa-21483	87	6	:	:	PUNCT
cjfa-21483	87	7	we	we	PRON
cjfa-21483	87	8	endeavor	endeavor	VERB
cjfa-21483	87	9	to	to	PART
cjfa-21483	87	10	explore	explore	VERB
cjfa-21483	87	11	dimensions	dimension	NOUN
cjfa-21483	87	12	between	between	ADP
cjfa-21483	87	13	the	the	DET
cjfa-21483	87	14	above	above	ADJ
cjfa-21483	87	15	risk	risk	NOUN
cjfa-21483	87	16	categories	category	NOUN
cjfa-21483	87	17	,	,	PUNCT
cjfa-21483	87	18	as	as	ADP
cjfa-21483	87	19	the	the	DET
cjfa-21483	87	20	ability	ability	NOUN
cjfa-21483	87	21	to	to	PART
cjfa-21483	87	22	quantify	quantify	VERB
cjfa-21483	87	23	risk	risk	NOUN
cjfa-21483	87	24	increases	increase	NOUN
cjfa-21483	87	25	.	.	PUNCT
cjfa-21483	88	1	this	this	DET
cjfa-21483	88	2	relationship	relationship	NOUN
cjfa-21483	88	3	is	be	AUX
cjfa-21483	88	4	axiomatic	axiomatic	ADJ
cjfa-21483	88	5	–	–	PUNCT
cjfa-21483	88	6	it	it	PRON
cjfa-21483	88	7	follows	follow	VERB
cjfa-21483	88	8	directly	directly	ADV
cjfa-21483	88	9	from	from	ADP
cjfa-21483	88	10	our	our	PRON
cjfa-21483	88	11	definition	definition	NOUN
cjfa-21483	88	12	of	of	ADP
cjfa-21483	88	13	a	a	DET
cjfa-21483	88	14	,	,	PUNCT
cjfa-21483	88	15	b	b	NOUN
cjfa-21483	88	16	,	,	PUNCT
cjfa-21483	88	17	and	and	CCONJ
cjfa-21483	88	18	c	c	X
cjfa-21483	88	19	–	–	PUNCT
cjfa-21483	88	20	but	but	CCONJ
cjfa-21483	88	21	it	it	PRON
cjfa-21483	88	22	is	be	AUX
cjfa-21483	88	23	important	important	ADJ
cjfa-21483	88	24	to	to	PART
cjfa-21483	88	25	recognize	recognize	VERB
cjfa-21483	88	26	that	that	SCONJ
cjfa-21483	88	27	the	the	DET
cjfa-21483	88	28	ability	ability	NOUN
cjfa-21483	88	29	to	to	PART
cjfa-21483	88	30	quantify	quantify	VERB
cjfa-21483	88	31	risk	risk	NOUN
cjfa-21483	88	32	differs	differ	VERB
cjfa-21483	88	33	systematically	systematically	ADV
cjfa-21483	88	34	by	by	ADP
cjfa-21483	88	35	risk	risk	NOUN
cjfa-21483	88	36	class	class	NOUN
cjfa-21483	88	37	.	.	PUNCT
cjfa-21483	89	1	the	the	DET
cjfa-21483	89	2	research	research	NOUN
cjfa-21483	89	3	methodology	methodology	NOUN
cjfa-21483	89	4	and	and	CCONJ
cjfa-21483	89	5	the	the	DET
cjfa-21483	89	6	course	course	NOUN
cjfa-21483	89	7	of	of	ADP
cjfa-21483	89	8	the	the	DET
cjfa-21483	89	9	research	research	NOUN
cjfa-21483	89	10	process	process	NOUN
cjfa-21483	89	11	research	research	NOUN
cjfa-21483	89	12	is	be	AUX
cjfa-21483	89	13	primarily	primarily	ADV
cjfa-21483	89	14	conducted	conduct	VERB
cjfa-21483	89	15	under	under	ADP
cjfa-21483	89	16	three	three	NUM
cjfa-21483	89	17	major	major	ADJ
cjfa-21483	89	18	approaches	approach	NOUN
cjfa-21483	89	19	i.e.	i.e.	X
cjfa-21483	89	20	,	,	PUNCT
cjfa-21483	89	21	qualitative	qualitative	NOUN
cjfa-21483	89	22	,	,	PUNCT
cjfa-21483	89	23	quantitative	quantitative	ADJ
cjfa-21483	89	24	and	and	CCONJ
cjfa-21483	89	25	mixed	mixed	ADJ
cjfa-21483	89	26	methods	method	NOUN
cjfa-21483	89	27	,	,	PUNCT
cjfa-21483	89	28	though	though	SCONJ
cjfa-21483	89	29	further	further	ADJ
cjfa-21483	89	30	variants	variant	NOUN
cjfa-21483	89	31	are	be	AUX
cjfa-21483	89	32	also	also	ADV
cjfa-21483	89	33	possible	possible	ADJ
cjfa-21483	89	34	by	by	ADP
cjfa-21483	89	35	applying	apply	VERB
cjfa-21483	89	36	more	more	ADJ
cjfa-21483	89	37	than	than	ADP
cjfa-21483	89	38	one	one	NUM
cjfa-21483	89	39	method	method	NOUN
cjfa-21483	89	40	of	of	ADP
cjfa-21483	89	41	a	a	DET
cjfa-21483	89	42	single	single	ADJ
cjfa-21483	89	43	approach	approach	NOUN
cjfa-21483	89	44	in	in	ADP
cjfa-21483	89	45	a	a	DET
cjfa-21483	89	46	particular	particular	ADJ
cjfa-21483	89	47	research	research	NOUN
cjfa-21483	89	48	(	(	PUNCT
cjfa-21483	89	49	blaikie	blaikie	NOUN
cjfa-21483	89	50	&	&	CCONJ
cjfa-21483	89	51	priest	priest	PROPN
cjfa-21483	89	52	,	,	PUNCT
cjfa-21483	89	53	2019	2019	NUM
cjfa-21483	89	54	)	)	PUNCT
cjfa-21483	89	55	.	.	PUNCT
cjfa-21483	90	1	based	base	VERB
cjfa-21483	90	2	on	on	ADP
cjfa-21483	90	3	the	the	DET
cjfa-21483	90	4	nature	nature	NOUN
cjfa-21483	90	5	of	of	ADP
cjfa-21483	90	6	our	our	PRON
cjfa-21483	90	7	research	research	NOUN
cjfa-21483	90	8	that	that	PRON
cjfa-21483	90	9	is	be	AUX
cjfa-21483	90	10	more	more	ADJ
cjfa-21483	90	11	of	of	ADP
cjfa-21483	90	12	interpretive	interpretive	ADJ
cjfa-21483	90	13	in	in	ADP
cjfa-21483	90	14	nature	nature	NOUN
cjfa-21483	90	15	because	because	SCONJ
cjfa-21483	90	16	we	we	PRON
cjfa-21483	90	17	are	be	AUX
cjfa-21483	90	18	to	to	PART
cjfa-21483	90	19	understand	understand	VERB
cjfa-21483	90	20	the	the	DET
cjfa-21483	90	21	reasons	reason	NOUN
cjfa-21483	90	22	of	of	ADP
cjfa-21483	90	23	underlying	underlie	VERB
cjfa-21483	90	24	motivations	motivation	NOUN
cjfa-21483	90	25	,	,	PUNCT
cjfa-21483	90	26	reasons	reason	NOUN
cjfa-21483	90	27	and	and	CCONJ
cjfa-21483	90	28	opinions	opinion	NOUN
cjfa-21483	90	29	about	about	ADP
cjfa-21483	90	30	integration	integration	NOUN
cjfa-21483	90	31	of	of	ADP
cjfa-21483	90	32	financial	financial	ADJ
cjfa-21483	90	33	risks	risk	NOUN
cjfa-21483	90	34	with	with	ADP
cjfa-21483	90	35	non	non	ADJ
cjfa-21483	90	36	-	-	ADJ
cjfa-21483	90	37	financial	financial	ADJ
cjfa-21483	90	38	risks	risk	NOUN
cjfa-21483	90	39	,	,	PUNCT
cjfa-21483	90	40	an	an	DET
cjfa-21483	90	41	interpretive	interpretive	ADJ
cjfa-21483	90	42	approach	approach	NOUN
cjfa-21483	90	43	(	(	PUNCT
cjfa-21483	90	44	creswell	creswell	PROPN
cjfa-21483	90	45	,	,	PUNCT
cjfa-21483	90	46	2003	2003	NUM
cjfa-21483	90	47	;	;	PUNCT
cjfa-21483	90	48	bryman	bryman	NOUN
cjfa-21483	90	49	&	&	CCONJ
cjfa-21483	90	50	bell	bell	PROPN
cjfa-21483	90	51	,	,	PUNCT
cjfa-21483	90	52	2008	2008	NUM
cjfa-21483	90	53	)	)	PUNCT
cjfa-21483	90	54	was	be	AUX
cjfa-21483	90	55	adopted	adopt	VERB
cjfa-21483	90	56	to	to	PART
cjfa-21483	90	57	capture	capture	VERB
cjfa-21483	90	58	the	the	DET
cjfa-21483	90	59	factors	factor	NOUN
cjfa-21483	90	60	that	that	PRON
cjfa-21483	90	61	influence	influence	VERB
cjfa-21483	90	62	financial	financial	ADJ
cjfa-21483	90	63	and	and	CCONJ
cjfa-21483	90	64	non-	non-	NOUN
cjfa-21483	90	65	 	 	SPACE
cjfa-21483	90	66	financial	financial	ADJ
cjfa-21483	90	67	risks	risk	NOUN
cjfa-21483	90	68	in	in	ADP
cjfa-21483	90	69	pakistani	pakistani	ADJ
cjfa-21483	90	70	banking	banking	NOUN
cjfa-21483	90	71	sector	sector	NOUN
cjfa-21483	90	72	.	.	PUNCT
cjfa-21483	91	1	the	the	DET
cjfa-21483	91	2	adoption	adoption	NOUN
cjfa-21483	91	3	of	of	ADP
cjfa-21483	91	4	a	a	DET
cjfa-21483	91	5	qualitative	qualitative	ADJ
cjfa-21483	91	6	research	research	NOUN
cjfa-21483	91	7	design	design	NOUN
cjfa-21483	91	8	allowed	allow	VERB
cjfa-21483	91	9	the	the	DET
cjfa-21483	91	10	researchers	researcher	NOUN
cjfa-21483	91	11	to	to	PART
cjfa-21483	91	12	explore	explore	VERB
cjfa-21483	91	13	and	and	CCONJ
cjfa-21483	91	14	critically	critically	ADV
cjfa-21483	91	15	analyse	analyse	VERB
cjfa-21483	91	16	the	the	DET
cjfa-21483	91	17	phenomenon	phenomenon	NOUN
cjfa-21483	91	18	of	of	ADP
cjfa-21483	91	19	financial	financial	ADJ
cjfa-21483	91	20	and	and	CCONJ
cjfa-21483	91	21	nonfinancial	nonfinancial	ADJ
cjfa-21483	91	22	risks	risk	NOUN
cjfa-21483	91	23	in	in	ADP
cjfa-21483	91	24	terms	term	NOUN
cjfa-21483	91	25	of	of	ADP
cjfa-21483	91	26	their	their	PRON
cjfa-21483	91	27	integrating	integrating	NOUN
cjfa-21483	91	28	affect	affect	VERB
cjfa-21483	91	29	on	on	ADP
cjfa-21483	91	30	the	the	DET
cjfa-21483	91	31	volatility	volatility	NOUN
cjfa-21483	91	32	of	of	ADP
cjfa-21483	91	33	their	their	PRON
cjfa-21483	91	34	earnings	earning	NOUN
cjfa-21483	91	35	.	.	PUNCT
cjfa-21483	92	1	in	in	ADP
cjfa-21483	92	2	addition	addition	NOUN
cjfa-21483	92	3	,	,	PUNCT
cjfa-21483	92	4	a	a	DET
cjfa-21483	92	5	qualitative	qualitative	ADJ
cjfa-21483	92	6	research	research	NOUN
cjfa-21483	92	7	design	design	NOUN
cjfa-21483	92	8	helped	help	VERB
cjfa-21483	92	9	the	the	DET
cjfa-21483	92	10	researchers	researcher	NOUN
cjfa-21483	92	11	investigate	investigate	VERB
cjfa-21483	92	12	the	the	DET
cjfa-21483	92	13	meanings	meaning	NOUN
cjfa-21483	92	14	of	of	ADP
cjfa-21483	92	15	participants	participant	NOUN
cjfa-21483	92	16	’	'	PUNCT
cjfa-21483	92	17	experiences	experience	NOUN
cjfa-21483	92	18	in	in	ADP
cjfa-21483	92	19	order	order	NOUN
cjfa-21483	92	20	to	to	PART
cjfa-21483	92	21	gain	gain	VERB
cjfa-21483	92	22	an	an	DET
cjfa-21483	92	23	in	in	ADP
cjfa-21483	92	24	-	-	PUNCT
cjfa-21483	92	25	depth	depth	NOUN
cjfa-21483	92	26	understanding	understanding	NOUN
cjfa-21483	92	27	of	of	ADP
cjfa-21483	92	28	how	how	SCONJ
cjfa-21483	92	29	the	the	DET
cjfa-21483	92	30	risk	risk	NOUN
cjfa-21483	92	31	manager	manager	NOUN
cjfa-21483	92	32	and	and	CCONJ
cjfa-21483	92	33	practitioners	practitioner	NOUN
cjfa-21483	92	34	contextualize	contextualize	VERB
cjfa-21483	92	35	their	their	PRON
cjfa-21483	92	36	experiences	experience	NOUN
cjfa-21483	92	37	to	to	PART
cjfa-21483	92	38	gauge	gauge	VERB
cjfa-21483	92	39	the	the	DET
cjfa-21483	92	40	integrated	integrated	ADJ
cjfa-21483	92	41	and	and	CCONJ
cjfa-21483	92	42	individual	individual	ADJ
cjfa-21483	92	43	impact	impact	NOUN
cjfa-21483	92	44	of	of	ADP
cjfa-21483	92	45	financial	financial	ADJ
cjfa-21483	92	46	and	and	CCONJ
cjfa-21483	92	47	non	non	ADJ
cjfa-21483	92	48	-	-	ADJ
cjfa-21483	92	49	financial	financial	ADJ
cjfa-21483	92	50	risks	risk	NOUN
cjfa-21483	92	51	of	of	ADP
cjfa-21483	92	52	portfolio	portfolio	NOUN
cjfa-21483	92	53	of	of	ADP
cjfa-21483	92	54	the	the	DET
cjfa-21483	92	55	respective	respective	ADJ
cjfa-21483	92	56	returns	return	NOUN
cjfa-21483	92	57	of	of	ADP
cjfa-21483	92	58	their	their	PRON
cjfa-21483	92	59	institutions	institution	NOUN
cjfa-21483	92	60	.	.	PUNCT
cjfa-21483	93	1	face	face	NOUN
cjfa-21483	93	2	-	-	PUNCT
cjfa-21483	93	3	to	to	ADP
cjfa-21483	93	4	-	-	PUNCT
cjfa-21483	93	5	face	face	NOUN
cjfa-21483	93	6	qualitative	qualitative	ADJ
cjfa-21483	93	7	interviews	interview	NOUN
cjfa-21483	93	8	were	be	AUX
cjfa-21483	93	9	conducted	conduct	VERB
cjfa-21483	93	10	to	to	PART
cjfa-21483	93	11	gain	gain	VERB
cjfa-21483	93	12	rich	rich	ADJ
cjfa-21483	93	13	data	datum	NOUN
cjfa-21483	93	14	by	by	ADP
cjfa-21483	93	15	means	mean	NOUN
cjfa-21483	93	16	of	of	ADP
cjfa-21483	93	17	participants‟	participants‟	ADJ
cjfa-21483	93	18	narratives	narrative	NOUN
cjfa-21483	93	19	through	through	ADP
cjfa-21483	93	20	which	which	PRON
cjfa-21483	93	21	to	to	PART
cjfa-21483	93	22	explore	explore	VERB
cjfa-21483	93	23	the	the	DET
cjfa-21483	93	24	phenomenon	phenomenon	NOUN
cjfa-21483	93	25	(	(	PUNCT
cjfa-21483	93	26	weiss	weiss	PROPN
cjfa-21483	93	27	,	,	PUNCT
cjfa-21483	93	28	1995	1995	NUM
cjfa-21483	93	29	;	;	PUNCT
cjfa-21483	93	30	sahiti	sahiti	X
cjfa-21483	93	31	,	,	PUNCT
cjfa-21483	93	32	2017	2017	NUM
cjfa-21483	93	33	)	)	PUNCT
cjfa-21483	93	34	.	.	PUNCT
cjfa-21483	94	1	the	the	DET
cjfa-21483	94	2	interviews	interview	NOUN
cjfa-21483	94	3	sought	seek	VERB
cjfa-21483	94	4	to	to	PART
cjfa-21483	94	5	analyse	analyse	VERB
cjfa-21483	94	6	the	the	DET
cjfa-21483	94	7	factors	factor	NOUN
cjfa-21483	94	8	that	that	PRON
cjfa-21483	94	9	underpin	underpin	VERB
cjfa-21483	94	10	risk	risk	NOUN
cjfa-21483	94	11	managers	manager	NOUN
cjfa-21483	94	12	’	'	PUNCT
cjfa-21483	94	13	and	and	CCONJ
cjfa-21483	94	14	practitioners	practitioner	VERB
cjfa-21483	94	15	’	'	PUNCT
cjfa-21483	94	16	experiences	experience	NOUN
cjfa-21483	94	17	in	in	ADP
cjfa-21483	94	18	pakistani	pakistani	ADJ
cjfa-21483	94	19	financial	financial	ADJ
cjfa-21483	94	20	sector	sector	NOUN
cjfa-21483	94	21	about	about	ADP
cjfa-21483	94	22	financial	financial	ADJ
cjfa-21483	94	23	and	and	CCONJ
cjfa-21483	94	24	non	non	ADJ
cjfa-21483	94	25	-	-	ADJ
cjfa-21483	94	26	financial	financial	ADJ
cjfa-21483	94	27	risks	risk	NOUN
cjfa-21483	94	28	and	and	CCONJ
cjfa-21483	94	29	have	have	VERB
cjfa-21483	94	30	a	a	DET
cjfa-21483	94	31	unique	unique	ADJ
cjfa-21483	94	32	influence	influence	NOUN
cjfa-21483	94	33	.	.	PUNCT
cjfa-21483	95	1	participants	participant	NOUN
cjfa-21483	95	2	for	for	ADP
cjfa-21483	95	3	the	the	DET
cjfa-21483	95	4	study	study	NOUN
cjfa-21483	95	5	were	be	AUX
cjfa-21483	95	6	selected	select	VERB
cjfa-21483	95	7	using	use	VERB
cjfa-21483	95	8	purposeful	purposeful	ADJ
cjfa-21483	95	9	sampling	sampling	NOUN
cjfa-21483	95	10	(	(	PUNCT
cjfa-21483	95	11	marshall	marshall	PROPN
cjfa-21483	95	12	,	,	PUNCT
cjfa-21483	95	13	syed	syed	PROPN
cjfa-21483	95	14	alamdar	alamdar	PROPN
cjfa-21483	95	15	ali	ali	PROPN
cjfa-21483	95	16	shah56	shah56	PROPN
cjfa-21483	95	17	1996	1996	NUM
cjfa-21483	95	18	)	)	PUNCT
cjfa-21483	95	19	.	.	PUNCT
cjfa-21483	96	1	due	due	ADP
cjfa-21483	96	2	to	to	ADP
cjfa-21483	96	3	the	the	DET
cjfa-21483	96	4	data	datum	NOUN
cjfa-21483	96	5	on	on	ADP
cjfa-21483	96	6	risk	risk	NOUN
cjfa-21483	96	7	professionals	professional	NOUN
cjfa-21483	96	8	in	in	ADP
cjfa-21483	96	9	pakistan	pakistan	PROPN
cjfa-21483	96	10	not	not	PART
cjfa-21483	96	11	being	be	AUX
cjfa-21483	96	12	fully	fully	ADV
cjfa-21483	96	13	documented	document	VERB
cjfa-21483	96	14	or	or	CCONJ
cjfa-21483	96	15	reliable	reliable	ADJ
cjfa-21483	96	16	,	,	PUNCT
cjfa-21483	96	17	purposeful	purposeful	ADJ
cjfa-21483	96	18	sampling	sampling	NOUN
cjfa-21483	96	19	was	be	AUX
cjfa-21483	96	20	supplemented	supplement	VERB
cjfa-21483	96	21	with	with	ADP
cjfa-21483	96	22	snowball	snowball	ADJ
cjfa-21483	96	23	sampling	sampling	NOUN
cjfa-21483	96	24	(	(	PUNCT
cjfa-21483	96	25	patton	patton	PROPN
cjfa-21483	96	26	,	,	PUNCT
cjfa-21483	96	27	1990	1990	NUM
cjfa-21483	96	28	;	;	PUNCT
cjfa-21483	96	29	misund	misund	ADJ
cjfa-21483	96	30	,	,	PUNCT
cjfa-21483	96	31	2017	2017	NUM
cjfa-21483	96	32	)	)	PUNCT
cjfa-21483	96	33	,	,	PUNCT
cjfa-21483	96	34	in	in	ADP
cjfa-21483	96	35	which	which	PRON
cjfa-21483	96	36	respondents	respondent	NOUN
cjfa-21483	96	37	were	be	AUX
cjfa-21483	96	38	asked	ask	VERB
cjfa-21483	96	39	to	to	PART
cjfa-21483	96	40	suggest	suggest	VERB
cjfa-21483	96	41	and	and	CCONJ
cjfa-21483	96	42	help	help	VERB
cjfa-21483	96	43	to	to	PART
cjfa-21483	96	44	make	make	VERB
cjfa-21483	96	45	contact	contact	NOUN
cjfa-21483	96	46	with	with	ADP
cjfa-21483	96	47	other	other	ADJ
cjfa-21483	96	48	risk	risk	NOUN
cjfa-21483	96	49	professionals	professional	NOUN
cjfa-21483	96	50	who	who	PRON
cjfa-21483	96	51	fulfilled	fulfil	VERB
cjfa-21483	96	52	the	the	DET
cjfa-21483	96	53	following	follow	VERB
cjfa-21483	96	54	criteria	criterion	NOUN
cjfa-21483	96	55	used	use	VERB
cjfa-21483	96	56	in	in	ADP
cjfa-21483	96	57	the	the	DET
cjfa-21483	96	58	original	original	ADJ
cjfa-21483	96	59	purposeful	purposeful	ADJ
cjfa-21483	96	60	sampling	sampling	NOUN
cjfa-21483	96	61	:	:	PUNCT
cjfa-21483	96	62	risk	risk	NOUN
cjfa-21483	96	63	managers	manager	NOUN
cjfa-21483	96	64	who	who	PRON
cjfa-21483	96	65	have	have	AUX
cjfa-21483	96	66	atleast	atleast	VERB
cjfa-21483	96	67	5	5	NUM
cjfa-21483	96	68	years	year	NOUN
cjfa-21483	96	69	of	of	ADP
cjfa-21483	96	70	working	work	VERB
cjfa-21483	96	71	experience	experience	NOUN
cjfa-21483	96	72	in	in	ADP
cjfa-21483	96	73	risk	risk	NOUN
cjfa-21483	96	74	management	management	NOUN
cjfa-21483	96	75	division	division	NOUN
cjfa-21483	96	76	of	of	ADP
cjfa-21483	96	77	financial	financial	ADJ
cjfa-21483	96	78	institutions	institution	NOUN
cjfa-21483	96	79	making	make	VERB
cjfa-21483	96	80	policies	policy	NOUN
cjfa-21483	96	81	about	about	ADP
cjfa-21483	96	82	financial	financial	ADJ
cjfa-21483	96	83	and	and	CCONJ
cjfa-21483	96	84	non	non	ADJ
cjfa-21483	96	85	-	-	ADJ
cjfa-21483	96	86	financial	financial	ADJ
cjfa-21483	96	87	risks	risk	NOUN
cjfa-21483	96	88	.	.	PUNCT
cjfa-21483	97	1	risk	risk	NOUN
cjfa-21483	97	2	practitioners	practitioner	NOUN
cjfa-21483	97	3	who	who	PRON
cjfa-21483	97	4	have	have	AUX
cjfa-21483	97	5	atleast	atleast	VERB
cjfa-21483	97	6	5	5	NUM
cjfa-21483	97	7	years	year	NOUN
cjfa-21483	97	8	of	of	ADP
cjfa-21483	97	9	working	work	VERB
cjfa-21483	97	10	experience	experience	NOUN
cjfa-21483	97	11	in	in	ADP
cjfa-21483	97	12	financial	financial	ADJ
cjfa-21483	97	13	institutions	institution	NOUN
cjfa-21483	97	14	implementing	implement	VERB
cjfa-21483	97	15	policies	policy	NOUN
cjfa-21483	97	16	about	about	ADP
cjfa-21483	97	17	financial	financial	ADJ
cjfa-21483	97	18	and	and	CCONJ
cjfa-21483	97	19	non	non	ADJ
cjfa-21483	97	20	-	-	ADJ
cjfa-21483	97	21	financial	financial	ADJ
cjfa-21483	97	22	risks	risk	NOUN
cjfa-21483	97	23	.	.	PUNCT
cjfa-21483	98	1	while	while	SCONJ
cjfa-21483	98	2	not	not	PART
cjfa-21483	98	3	ideal	ideal	ADJ
cjfa-21483	98	4	,	,	PUNCT
cjfa-21483	98	5	in	in	ADP
cjfa-21483	98	6	the	the	DET
cjfa-21483	98	7	absence	absence	NOUN
cjfa-21483	98	8	of	of	ADP
cjfa-21483	98	9	a	a	DET
cjfa-21483	98	10	reliable	reliable	ADJ
cjfa-21483	98	11	/	/	SYM
cjfa-21483	98	12	official	official	ADJ
cjfa-21483	98	13	register	register	NOUN
cjfa-21483	98	14	of	of	ADP
cjfa-21483	98	15	risk	risk	NOUN
cjfa-21483	98	16	professionals	professional	NOUN
cjfa-21483	98	17	fitting	fit	VERB
cjfa-21483	98	18	the	the	DET
cjfa-21483	98	19	required	required	ADJ
cjfa-21483	98	20	profile	profile	NOUN
cjfa-21483	98	21	,	,	PUNCT
cjfa-21483	98	22	this	this	DET
cjfa-21483	98	23	combined	combined	ADJ
cjfa-21483	98	24	approach	approach	NOUN
cjfa-21483	98	25	was	be	AUX
cjfa-21483	98	26	necessary	necessary	ADJ
cjfa-21483	98	27	in	in	ADP
cjfa-21483	98	28	order	order	NOUN
cjfa-21483	98	29	to	to	PART
cjfa-21483	98	30	augment	augment	VERB
cjfa-21483	98	31	the	the	DET
cjfa-21483	98	32	sample	sample	NOUN
cjfa-21483	98	33	size	size	NOUN
cjfa-21483	98	34	.	.	PUNCT
cjfa-21483	99	1	drawing	draw	VERB
cjfa-21483	99	2	on	on	ADP
cjfa-21483	99	3	relevant	relevant	ADJ
cjfa-21483	99	4	literatures	literature	NOUN
cjfa-21483	99	5	,	,	PUNCT
cjfa-21483	99	6	an	an	DET
cjfa-21483	99	7	interview	interview	NOUN
cjfa-21483	99	8	guide	guide	NOUN
cjfa-21483	99	9	was	be	AUX
cjfa-21483	99	10	developed	develop	VERB
cjfa-21483	99	11	that	that	PRON
cjfa-21483	99	12	addressed	address	VERB
cjfa-21483	99	13	the	the	DET
cjfa-21483	99	14	perception	perception	NOUN
cjfa-21483	99	15	of	of	ADP
cjfa-21483	99	16	both	both	DET
cjfa-21483	99	17	types	type	NOUN
cjfa-21483	99	18	risk	risk	NOUN
cjfa-21483	99	19	professionals	professional	NOUN
cjfa-21483	99	20	.	.	PUNCT
cjfa-21483	100	1	the	the	DET
cjfa-21483	100	2	interviews	interview	NOUN
cjfa-21483	100	3	covered	cover	VERB
cjfa-21483	100	4	the	the	DET
cjfa-21483	100	5	perception	perception	NOUN
cjfa-21483	100	6	of	of	ADP
cjfa-21483	100	7	risk	risk	NOUN
cjfa-21483	100	8	professionals	professional	NOUN
cjfa-21483	100	9	about	about	ADP
cjfa-21483	100	10	financial	financial	ADJ
cjfa-21483	100	11	risks	risk	NOUN
cjfa-21483	100	12	that	that	PRON
cjfa-21483	100	13	include	include	VERB
cjfa-21483	100	14	market	market	NOUN
cjfa-21483	100	15	,	,	PUNCT
cjfa-21483	100	16	credit	credit	NOUN
cjfa-21483	100	17	and	and	CCONJ
cjfa-21483	100	18	asset	asset	NOUN
cjfa-21483	100	19	liability	liability	NOUN
cjfa-21483	100	20	risk	risk	NOUN
cjfa-21483	100	21	;	;	PUNCT
cjfa-21483	100	22	and	and	CCONJ
cjfa-21483	100	23	non	non	ADJ
cjfa-21483	100	24	-	-	ADJ
cjfa-21483	100	25	financial	financial	ADJ
cjfa-21483	100	26	risks	risk	NOUN
cjfa-21483	100	27	that	that	PRON
cjfa-21483	100	28	included	include	VERB
cjfa-21483	100	29	operational	operational	ADJ
cjfa-21483	100	30	and	and	CCONJ
cjfa-21483	100	31	business	business	NOUN
cjfa-21483	100	32	risks	risk	NOUN
cjfa-21483	100	33	.	.	PUNCT
cjfa-21483	101	1	we	we	PRON
cjfa-21483	101	2	tried	try	VERB
cjfa-21483	101	3	our	our	PRON
cjfa-21483	101	4	level	level	NOUN
cjfa-21483	101	5	best	good	ADJ
cjfa-21483	101	6	to	to	PART
cjfa-21483	101	7	keep	keep	VERB
cjfa-21483	101	8	a	a	DET
cjfa-21483	101	9	balance	balance	NOUN
cjfa-21483	101	10	upon	upon	SCONJ
cjfa-21483	101	11	addressing	address	VERB
cjfa-21483	101	12	both	both	DET
cjfa-21483	101	13	types	type	NOUN
cjfa-21483	101	14	of	of	ADP
cjfa-21483	101	15	risks	risk	NOUN
cjfa-21483	101	16	during	during	ADP
cjfa-21483	101	17	our	our	PRON
cjfa-21483	101	18	interviews	interview	NOUN
cjfa-21483	101	19	.	.	PUNCT
cjfa-21483	102	1	however	however	ADV
cjfa-21483	102	2	,	,	PUNCT
cjfa-21483	102	3	due	due	ADP
cjfa-21483	102	4	to	to	ADP
cjfa-21483	102	5	most	most	ADJ
cjfa-21483	102	6	of	of	ADP
cjfa-21483	102	7	the	the	DET
cjfa-21483	102	8	experience	experience	NOUN
cjfa-21483	102	9	of	of	ADP
cjfa-21483	102	10	risk	risk	NOUN
cjfa-21483	102	11	professionals	professional	NOUN
cjfa-21483	102	12	was	be	AUX
cjfa-21483	102	13	in	in	ADP
cjfa-21483	102	14	the	the	DET
cjfa-21483	102	15	area	area	NOUN
cjfa-21483	102	16	of	of	ADP
cjfa-21483	102	17	financial	financial	ADJ
cjfa-21483	102	18	risks	risk	NOUN
cjfa-21483	102	19	therefore	therefore	ADV
cjfa-21483	102	20	the	the	DET
cjfa-21483	102	21	discussion	discussion	NOUN
cjfa-21483	102	22	of	of	ADP
cjfa-21483	102	23	financial	financial	ADJ
cjfa-21483	102	24	risks	risk	NOUN
cjfa-21483	102	25	during	during	ADP
cjfa-21483	102	26	most	most	ADJ
cjfa-21483	102	27	of	of	ADP
cjfa-21483	102	28	the	the	DET
cjfa-21483	102	29	interviews	interview	NOUN
cjfa-21483	102	30	was	be	AUX
cjfa-21483	102	31	very	very	ADV
cjfa-21483	102	32	dominant	dominant	ADJ
cjfa-21483	102	33	.	.	PUNCT
cjfa-21483	103	1	the	the	DET
cjfa-21483	103	2	interviews	interview	NOUN
cjfa-21483	103	3	began	begin	VERB
cjfa-21483	103	4	with	with	ADP
cjfa-21483	103	5	a	a	DET
cjfa-21483	103	6	brief	brief	ADJ
cjfa-21483	103	7	introduction	introduction	NOUN
cjfa-21483	103	8	to	to	ADP
cjfa-21483	103	9	the	the	DET
cjfa-21483	103	10	study	study	NOUN
cjfa-21483	103	11	.	.	PUNCT
cjfa-21483	104	1	they	they	PRON
cjfa-21483	104	2	were	be	AUX
cjfa-21483	104	3	conducted	conduct	VERB
cjfa-21483	104	4	in	in	ADP
cjfa-21483	104	5	urdu	urdu	PROPN
cjfa-21483	104	6	.	.	PUNCT
cjfa-21483	105	1	participants	participant	NOUN
cjfa-21483	105	2	were	be	AUX
cjfa-21483	105	3	assured	assure	VERB
cjfa-21483	105	4	about	about	ADP
cjfa-21483	105	5	data	datum	NOUN
cjfa-21483	105	6	confidentiality	confidentiality	NOUN
cjfa-21483	105	7	and	and	CCONJ
cjfa-21483	105	8	personal	personal	ADJ
cjfa-21483	105	9	anonymity	anonymity	NOUN
cjfa-21483	105	10	.	.	PUNCT
cjfa-21483	106	1	all	all	DET
cjfa-21483	106	2	interviews	interview	NOUN
cjfa-21483	106	3	were	be	AUX
cjfa-21483	106	4	recorded	record	VERB
cjfa-21483	106	5	with	with	ADP
cjfa-21483	106	6	the	the	DET
cjfa-21483	106	7	consent	consent	NOUN
cjfa-21483	106	8	of	of	ADP
cjfa-21483	106	9	the	the	DET
cjfa-21483	106	10	participant	participant	NOUN
cjfa-21483	106	11	,	,	PUNCT
cjfa-21483	106	12	transcribed	transcribe	VERB
cjfa-21483	106	13	and	and	CCONJ
cjfa-21483	106	14	sent	send	VERB
cjfa-21483	106	15	for	for	ADP
cjfa-21483	106	16	member	member	NOUN
cjfa-21483	106	17	checking	checking	NOUN
cjfa-21483	106	18	(	(	PUNCT
cjfa-21483	106	19	guba	guba	PROPN
cjfa-21483	106	20	&	&	CCONJ
cjfa-21483	106	21	lincoln	lincoln	PROPN
cjfa-21483	106	22	,	,	PUNCT
cjfa-21483	106	23	1989	1989	NUM
cjfa-21483	106	24	)	)	PUNCT
cjfa-21483	106	25	to	to	PART
cjfa-21483	106	26	enhance	enhance	VERB
cjfa-21483	106	27	the	the	DET
cjfa-21483	106	28	credibility	credibility	NOUN
cjfa-21483	106	29	and	and	CCONJ
cjfa-21483	106	30	quality	quality	NOUN
cjfa-21483	106	31	of	of	ADP
cjfa-21483	106	32	the	the	DET
cjfa-21483	106	33	data	datum	NOUN
cjfa-21483	106	34	.	.	PUNCT
cjfa-21483	107	1	at	at	ADP
cjfa-21483	107	2	the	the	DET
cjfa-21483	107	3	end	end	NOUN
cjfa-21483	107	4	of	of	ADP
cjfa-21483	107	5	each	each	DET
cjfa-21483	107	6	interview	interview	NOUN
cjfa-21483	107	7	,	,	PUNCT
cjfa-21483	107	8	the	the	DET
cjfa-21483	107	9	participants	participant	NOUN
cjfa-21483	107	10	were	be	AUX
cjfa-21483	107	11	given	give	VERB
cjfa-21483	107	12	a	a	DET
cjfa-21483	107	13	demographic	demographic	ADJ
cjfa-21483	107	14	survey	survey	NOUN
cjfa-21483	107	15	to	to	PART
cjfa-21483	107	16	complete	complete	VERB
cjfa-21483	107	17	as	as	ADP
cjfa-21483	107	18	a	a	DET
cjfa-21483	107	19	source	source	NOUN
cjfa-21483	107	20	of	of	ADP
cjfa-21483	107	21	background	background	NOUN
cjfa-21483	107	22	information	information	NOUN
cjfa-21483	107	23	.	.	PUNCT
cjfa-21483	108	1	thematic	thematic	ADJ
cjfa-21483	108	2	analysis	analysis	NOUN
cjfa-21483	108	3	(	(	PUNCT
cjfa-21483	108	4	stirling	stirling	NOUN
cjfa-21483	108	5	&	&	CCONJ
cjfa-21483	108	6	attride	attride	PROPN
cjfa-21483	108	7	,	,	PUNCT
cjfa-21483	108	8	2001	2001	NUM
cjfa-21483	108	9	)	)	PUNCT
cjfa-21483	108	10	was	be	AUX
cjfa-21483	108	11	undertaken	undertake	VERB
cjfa-21483	108	12	to	to	PART
cjfa-21483	108	13	identify	identify	VERB
cjfa-21483	108	14	the	the	DET
cjfa-21483	108	15	emerging	emerge	VERB
cjfa-21483	108	16	themes	theme	NOUN
cjfa-21483	108	17	and	and	CCONJ
cjfa-21483	108	18	organize	organize	VERB
cjfa-21483	108	19	data	datum	NOUN
cjfa-21483	108	20	for	for	ADP
cjfa-21483	108	21	qualitative	qualitative	ADJ
cjfa-21483	108	22	analysis	analysis	NOUN
cjfa-21483	108	23	.	.	PUNCT
cjfa-21483	109	1	analysis	analysis	NOUN
cjfa-21483	109	2	of	of	ADP
cjfa-21483	109	3	findings	finding	NOUN
cjfa-21483	109	4	and	and	CCONJ
cjfa-21483	109	5	discussions	discussion	NOUN
cjfa-21483	109	6	of	of	ADP
cjfa-21483	109	7	interview	interview	NOUN
cjfa-21483	109	8	themes	theme	NOUN
cjfa-21483	109	9	the	the	DET
cjfa-21483	109	10	rationale	rationale	NOUN
cjfa-21483	109	11	for	for	ADP
cjfa-21483	109	12	the	the	DET
cjfa-21483	109	13	current	current	ADJ
cjfa-21483	109	14	positioning	positioning	NOUN
cjfa-21483	109	15	of	of	ADP
cjfa-21483	109	16	bank	bank	NOUN
cjfa-21483	109	17	risks	risk	NOUN
cjfa-21483	109	18	in	in	ADP
cjfa-21483	109	19	the	the	DET
cjfa-21483	109	20	views	view	NOUN
cjfa-21483	109	21	of	of	ADP
cjfa-21483	109	22	interview	interview	NOUN
cjfa-21483	109	23	participants	participant	NOUN
cjfa-21483	109	24	within	within	ADP
cjfa-21483	109	25	the	the	DET
cjfa-21483	109	26	framework	framework	NOUN
cjfa-21483	109	27	is	be	AUX
cjfa-21483	109	28	as	as	SCONJ
cjfa-21483	109	29	follows	follow	VERB
cjfa-21483	109	30	:	:	PUNCT
cjfa-21483	109	31	integration	integration	NOUN
cjfa-21483	109	32	of	of	ADP
cjfa-21483	109	33	financial	financial	ADJ
cjfa-21483	109	34	risks	risk	NOUN
cjfa-21483	109	35	with	with	ADP
cjfa-21483	109	36	non	non	ADJ
cjfa-21483	109	37	-	-	ADJ
cjfa-21483	109	38	financial	financial	ADJ
cjfa-21483	109	39	risks	risk	NOUN
cjfa-21483	109	40	…	…	PUNCT
cjfa-21483	109	41	57	57	NUM
cjfa-21483	109	42	market	market	NOUN
cjfa-21483	109	43	risk	risk	NOUN
cjfa-21483	109	44	discussing	discuss	VERB
cjfa-21483	109	45	about	about	ADP
cjfa-21483	109	46	the	the	DET
cjfa-21483	109	47	market	market	NOUN
cjfa-21483	109	48	risk	risk	NOUN
cjfa-21483	109	49	from	from	ADP
cjfa-21483	109	50	the	the	DET
cjfa-21483	109	51	category	category	NOUN
cjfa-21483	109	52	of	of	ADP
cjfa-21483	109	53	financial	financial	ADJ
cjfa-21483	109	54	risks	risk	NOUN
cjfa-21483	109	55	during	during	ADP
cjfa-21483	109	56	the	the	DET
cjfa-21483	109	57	interviews	interview	NOUN
cjfa-21483	109	58	most	most	ADJ
cjfa-21483	109	59	of	of	ADP
cjfa-21483	109	60	the	the	DET
cjfa-21483	109	61	risk	risk	NOUN
cjfa-21483	109	62	professionals	professional	NOUN
cjfa-21483	109	63	were	be	AUX
cjfa-21483	109	64	of	of	ADP
cjfa-21483	109	65	the	the	DET
cjfa-21483	109	66	opinion	opinion	NOUN
cjfa-21483	109	67	that	that	SCONJ
cjfa-21483	109	68	market	market	NOUN
cjfa-21483	109	69	risk	risk	NOUN
cjfa-21483	109	70	is	be	AUX
cjfa-21483	109	71	the	the	DET
cjfa-21483	109	72	most	most	ADV
cjfa-21483	109	73	“	"	PUNCT
cjfa-21483	109	74	existent	existent	ADJ
cjfa-21483	109	75	”	"	PUNCT
cjfa-21483	109	76	of	of	ADP
cjfa-21483	109	77	the	the	DET
cjfa-21483	109	78	all	all	DET
cjfa-21483	109	79	risks	risk	NOUN
cjfa-21483	109	80	,	,	PUNCT
cjfa-21483	109	81	our	our	PRON
cjfa-21483	109	82	knowledge	knowledge	NOUN
cjfa-21483	109	83	is	be	AUX
cjfa-21483	109	84	far	far	ADV
cjfa-21483	109	85	from	from	ADP
cjfa-21483	109	86	perfect	perfect	ADJ
cjfa-21483	109	87	.	.	PUNCT
cjfa-21483	110	1	illiquid	illiquid	ADJ
cjfa-21483	110	2	instruments	instrument	NOUN
cjfa-21483	110	3	,	,	PUNCT
cjfa-21483	110	4	which	which	PRON
cjfa-21483	110	5	“	"	PUNCT
cjfa-21483	110	6	trade	trade	NOUN
cjfa-21483	110	7	by	by	ADP
cjfa-21483	110	8	appointment	appointment	NOUN
cjfa-21483	110	9	,	,	PUNCT
cjfa-21483	110	10	”	"	PUNCT
cjfa-21483	110	11	may	may	AUX
cjfa-21483	110	12	have	have	VERB
cjfa-21483	110	13	daily	daily	ADJ
cjfa-21483	110	14	vars	var	NOUN
cjfa-21483	110	15	calculated	calculate	VERB
cjfa-21483	110	16	for	for	ADP
cjfa-21483	110	17	them	they	PRON
cjfa-21483	110	18	,	,	PUNCT
cjfa-21483	110	19	but	but	CCONJ
cjfa-21483	110	20	the	the	DET
cjfa-21483	110	21	underlying	underlie	VERB
cjfa-21483	110	22	volatilities	volatility	NOUN
cjfa-21483	110	23	may	may	AUX
cjfa-21483	110	24	not	not	PART
cjfa-21483	110	25	be	be	AUX
cjfa-21483	110	26	very	very	ADV
cjfa-21483	110	27	meaningful	meaningful	ADJ
cjfa-21483	110	28	.	.	PUNCT
cjfa-21483	111	1	according	accord	VERB
cjfa-21483	111	2	to	to	ADP
cjfa-21483	111	3	a	a	DET
cjfa-21483	111	4	risk	risk	NOUN
cjfa-21483	111	5	manager	manager	NOUN
cjfa-21483	111	6	mr	mr	PROPN
cjfa-21483	111	7	.	.	PROPN
cjfa-21483	111	8	s	s	PART
cjfa-21483	111	9	:	:	PUNCT
cjfa-21483	111	10	“	"	PUNCT
cjfa-21483	111	11	more	more	ADJ
cjfa-21483	111	12	liquid	liquid	ADJ
cjfa-21483	111	13	instruments	instrument	NOUN
cjfa-21483	111	14	,	,	PUNCT
cjfa-21483	111	15	such	such	ADJ
cjfa-21483	111	16	as	as	ADP
cjfa-21483	111	17	currencies	currency	NOUN
cjfa-21483	111	18	with	with	ADP
cjfa-21483	111	19	managed	manage	VERB
cjfa-21483	111	20	exchange	exchange	NOUN
cjfa-21483	111	21	rates	rate	NOUN
cjfa-21483	111	22	,	,	PUNCT
cjfa-21483	111	23	are	be	AUX
cjfa-21483	111	24	subject	subject	ADJ
cjfa-21483	111	25	to	to	ADP
cjfa-21483	111	26	regime	regime	NOUN
cjfa-21483	111	27	change	change	NOUN
cjfa-21483	111	28	,	,	PUNCT
cjfa-21483	111	29	as	as	SCONJ
cjfa-21483	111	30	evidenced	evidence	VERB
cjfa-21483	111	31	by	by	ADP
cjfa-21483	111	32	the	the	DET
cjfa-21483	111	33	break	break	NOUN
cjfa-21483	111	34	-	-	PUNCT
cjfa-21483	111	35	up	up	NOUN
cjfa-21483	111	36	of	of	ADP
cjfa-21483	111	37	the	the	DET
cjfa-21483	111	38	european	european	PROPN
cjfa-21483	111	39	exchange	exchange	PROPN
cjfa-21483	111	40	rate	rate	NOUN
cjfa-21483	111	41	mechanism	mechanism	NOUN
cjfa-21483	111	42	in	in	ADP
cjfa-21483	111	43	september	september	PROPN
cjfa-21483	111	44	1992	1992	NUM
cjfa-21483	111	45	.	.	PUNCT
cjfa-21483	111	46	”	"	PUNCT
cjfa-21483	112	1	even	even	ADV
cjfa-21483	112	2	the	the	DET
cjfa-21483	112	3	best	good	ADJ
cjfa-21483	112	4	models	model	NOUN
cjfa-21483	112	5	sometimes	sometimes	ADV
cjfa-21483	112	6	fail	fail	VERB
cjfa-21483	112	7	to	to	PART
cjfa-21483	112	8	capture	capture	VERB
cjfa-21483	112	9	complex	complex	ADJ
cjfa-21483	112	10	correlations	correlation	NOUN
cjfa-21483	112	11	–	–	PUNCT
cjfa-21483	112	12	witness	witness	VERB
cjfa-21483	112	13	the	the	DET
cjfa-21483	112	14	collapse	collapse	NOUN
cjfa-21483	112	15	of	of	ADP
cjfa-21483	112	16	ltcm	ltcm	NOUN
cjfa-21483	112	17	in	in	ADP
cjfa-21483	112	18	the	the	DET
cjfa-21483	112	19	fall	fall	NOUN
cjfa-21483	112	20	of	of	ADP
cjfa-21483	112	21	1998	1998	NUM
cjfa-21483	112	22	(	(	PUNCT
cjfa-21483	112	23	jorion	jorion	NOUN
cjfa-21483	112	24	,	,	PUNCT
cjfa-21483	112	25	2000	2000	NUM
cjfa-21483	112	26	;	;	PUNCT
cjfa-21483	112	27	kumor	kumor	PROPN
cjfa-21483	112	28	&	&	CCONJ
cjfa-21483	112	29	poniatowska	poniatowska	PROPN
cjfa-21483	112	30	,	,	PUNCT
cjfa-21483	112	31	2017	2017	NUM
cjfa-21483	112	32	)	)	PUNCT
cjfa-21483	112	33	.	.	PUNCT
cjfa-21483	113	1	for	for	ADP
cjfa-21483	113	2	this	this	DET
cjfa-21483	113	3	reason	reason	NOUN
cjfa-21483	113	4	,	,	PUNCT
cjfa-21483	113	5	we	we	PRON
cjfa-21483	113	6	regard	regard	VERB
cjfa-21483	113	7	a	a	DET
cjfa-21483	113	8	portion	portion	NOUN
cjfa-21483	113	9	of	of	ADP
cjfa-21483	113	10	the	the	DET
cjfa-21483	113	11	space	space	NOUN
cjfa-21483	113	12	in	in	ADP
cjfa-21483	113	13	market	market	NOUN
cjfa-21483	113	14	risk	risk	NOUN
cjfa-21483	113	15	as	as	ADP
cjfa-21483	113	16	“	"	PUNCT
cjfa-21483	113	17	recognizable	recognizable	ADJ
cjfa-21483	113	18	”	"	PUNCT
cjfa-21483	113	19	and	and	CCONJ
cjfa-21483	113	20	“	"	PUNCT
cjfa-21483	113	21	enigmatic	enigmatic	ADJ
cjfa-21483	113	22	”	"	PUNCT
cjfa-21483	113	23	.	.	PUNCT
cjfa-21483	114	1	credit	credit	NOUN
cjfa-21483	114	2	risk	risk	NOUN
cjfa-21483	114	3	discussing	discuss	VERB
cjfa-21483	114	4	about	about	ADP
cjfa-21483	114	5	the	the	DET
cjfa-21483	114	6	credit	credit	NOUN
cjfa-21483	114	7	risk	risk	NOUN
cjfa-21483	114	8	from	from	ADP
cjfa-21483	114	9	the	the	DET
cjfa-21483	114	10	category	category	NOUN
cjfa-21483	114	11	of	of	ADP
cjfa-21483	114	12	financial	financial	ADJ
cjfa-21483	114	13	risks	risk	NOUN
cjfa-21483	114	14	most	most	ADJ
cjfa-21483	114	15	of	of	ADP
cjfa-21483	114	16	the	the	DET
cjfa-21483	114	17	risk	risk	NOUN
cjfa-21483	114	18	professionals	professional	NOUN
cjfa-21483	114	19	were	be	AUX
cjfa-21483	114	20	of	of	ADP
cjfa-21483	114	21	the	the	DET
cjfa-21483	114	22	view	view	NOUN
cjfa-21483	114	23	that	that	SCONJ
cjfa-21483	114	24	the	the	DET
cjfa-21483	114	25	transaction	transaction	NOUN
cjfa-21483	114	26	-	-	PUNCT
cjfa-21483	114	27	level	level	NOUN
cjfa-21483	114	28	attributes	attribute	NOUN
cjfa-21483	114	29	of	of	ADP
cjfa-21483	114	30	credit	credit	NOUN
cjfa-21483	114	31	risk	risk	NOUN
cjfa-21483	114	32	indicate	indicate	VERB
cjfa-21483	114	33	that	that	SCONJ
cjfa-21483	114	34	credit	credit	NOUN
cjfa-21483	114	35	risk	risk	NOUN
cjfa-21483	114	36	measurement	measurement	NOUN
cjfa-21483	114	37	is	be	AUX
cjfa-21483	114	38	highly	highly	ADV
cjfa-21483	114	39	granular	granular	ADJ
cjfa-21483	114	40	,	,	PUNCT
cjfa-21483	114	41	in	in	ADP
cjfa-21483	114	42	principle	principle	NOUN
cjfa-21483	114	43	down	down	ADP
cjfa-21483	114	44	to	to	ADP
cjfa-21483	114	45	the	the	DET
cjfa-21483	114	46	level	level	NOUN
cjfa-21483	114	47	of	of	ADP
cjfa-21483	114	48	individual	individual	ADJ
cjfa-21483	114	49	loans	loan	NOUN
cjfa-21483	114	50	.	.	PUNCT
cjfa-21483	115	1	this	this	PRON
cjfa-21483	115	2	is	be	AUX
cjfa-21483	115	3	the	the	DET
cjfa-21483	115	4	level	level	NOUN
cjfa-21483	115	5	at	at	ADP
cjfa-21483	115	6	which	which	PRON
cjfa-21483	115	7	credit	credit	NOUN
cjfa-21483	115	8	risk	risk	NOUN
cjfa-21483	115	9	is	be	AUX
cjfa-21483	115	10	priced	price	VERB
cjfa-21483	115	11	and	and	CCONJ
cjfa-21483	115	12	managed	manage	VERB
cjfa-21483	115	13	,	,	PUNCT
cjfa-21483	115	14	and	and	CCONJ
cjfa-21483	115	15	a	a	DET
cjfa-21483	115	16	wide	wide	ADJ
cjfa-21483	115	17	range	range	NOUN
cjfa-21483	115	18	of	of	ADP
cjfa-21483	115	19	quantitative	quantitative	ADJ
cjfa-21483	115	20	applications	application	NOUN
cjfa-21483	115	21	–	–	PUNCT
cjfa-21483	115	22	including	include	VERB
cjfa-21483	115	23	pricing	pricing	NOUN
cjfa-21483	115	24	tools	tool	NOUN
cjfa-21483	115	25	,	,	PUNCT
cjfa-21483	115	26	raroc	raroc	NOUN
cjfa-21483	115	27	(	(	PUNCT
cjfa-21483	115	28	risk	risk	NOUN
cjfa-21483	115	29	adjusted	adjust	VERB
cjfa-21483	115	30	return	return	NOUN
cjfa-21483	115	31	on	on	ADP
cjfa-21483	115	32	capital	capital	NOUN
cjfa-21483	115	33	)	)	PUNCT
cjfa-21483	115	34	measures	measure	NOUN
cjfa-21483	115	35	,	,	PUNCT
cjfa-21483	115	36	and	and	CCONJ
cjfa-21483	115	37	hedging	hedging	NOUN
cjfa-21483	115	38	models	model	NOUN
cjfa-21483	115	39	–	–	PUNCT
cjfa-21483	115	40	support	support	NOUN
cjfa-21483	115	41	decision	decision	NOUN
cjfa-21483	115	42	-	-	PUNCT
cjfa-21483	115	43	making	making	NOUN
cjfa-21483	115	44	at	at	ADP
cjfa-21483	115	45	this	this	DET
cjfa-21483	115	46	level	level	NOUN
cjfa-21483	115	47	.	.	PUNCT
cjfa-21483	116	1	as	as	ADP
cjfa-21483	116	2	with	with	ADP
cjfa-21483	116	3	market	market	NOUN
cjfa-21483	116	4	risk	risk	NOUN
cjfa-21483	116	5	,	,	PUNCT
cjfa-21483	116	6	the	the	DET
cjfa-21483	116	7	state	state	NOUN
cjfa-21483	116	8	of	of	ADP
cjfa-21483	116	9	knowledge	knowledge	NOUN
cjfa-21483	116	10	within	within	ADP
cjfa-21483	116	11	credit	credit	NOUN
cjfa-21483	116	12	risk	risk	NOUN
cjfa-21483	116	13	varies	vary	VERB
cjfa-21483	116	14	by	by	ADP
cjfa-21483	116	15	asset	asset	NOUN
cjfa-21483	116	16	class	class	NOUN
cjfa-21483	116	17	.	.	PUNCT
cjfa-21483	117	1	more	more	ADJ
cjfa-21483	117	2	is	be	AUX
cjfa-21483	117	3	known	know	VERB
cjfa-21483	117	4	about	about	ADP
cjfa-21483	117	5	relatively	relatively	ADV
cjfa-21483	117	6	liquid	liquid	ADJ
cjfa-21483	117	7	credit	credit	NOUN
cjfa-21483	117	8	classes	class	NOUN
cjfa-21483	117	9	,	,	PUNCT
cjfa-21483	117	10	including	include	VERB
cjfa-21483	117	11	(	(	PUNCT
cjfa-21483	117	12	in	in	ADP
cjfa-21483	117	13	the	the	DET
cjfa-21483	117	14	u.s	u.s	PROPN
cjfa-21483	117	15	.	.	PROPN
cjfa-21483	117	16	)	)	PUNCT
cjfa-21483	117	17	corporate	corporate	ADJ
cjfa-21483	117	18	bonds	bond	NOUN
cjfa-21483	117	19	,	,	PUNCT
cjfa-21483	117	20	mortgages	mortgage	NOUN
cjfa-21483	117	21	,	,	PUNCT
cjfa-21483	117	22	credit	credit	NOUN
cjfa-21483	117	23	cards	card	NOUN
cjfa-21483	117	24	,	,	PUNCT
cjfa-21483	117	25	other	other	ADJ
cjfa-21483	117	26	consumer	consumer	NOUN
cjfa-21483	117	27	receivables	receivables	NOUN
cjfa-21483	117	28	,	,	PUNCT
cjfa-21483	117	29	and	and	CCONJ
cjfa-21483	117	30	loans	loan	NOUN
cjfa-21483	117	31	to	to	AUX
cjfa-21483	117	32	publicly	publicly	ADV
cjfa-21483	117	33	-	-	PUNCT
cjfa-21483	117	34	rated	rate	VERB
cjfa-21483	117	35	,	,	PUNCT
cjfa-21483	117	36	large	large	ADJ
cjfa-21483	117	37	corporate	corporate	ADJ
cjfa-21483	117	38	,	,	PUNCT
cjfa-21483	117	39	and	and	CCONJ
cjfa-21483	117	40	less	less	ADV
cjfa-21483	117	41	is	be	AUX
cjfa-21483	117	42	known	know	VERB
cjfa-21483	117	43	about	about	ADP
cjfa-21483	117	44	illiquid	illiquid	ADJ
cjfa-21483	117	45	credit	credit	NOUN
cjfa-21483	117	46	classes	class	NOUN
cjfa-21483	117	47	,	,	PUNCT
cjfa-21483	117	48	such	such	ADJ
cjfa-21483	117	49	as	as	ADP
cjfa-21483	117	50	loans	loan	NOUN
cjfa-21483	117	51	to	to	ADP
cjfa-21483	117	52	small	small	ADJ
cjfa-21483	117	53	businesses	business	NOUN
cjfa-21483	117	54	,	,	PUNCT
cjfa-21483	117	55	commercial	commercial	ADJ
cjfa-21483	117	56	real	real	ADJ
cjfa-21483	117	57	estate	estate	NOUN
cjfa-21483	117	58	,	,	PUNCT
cjfa-21483	117	59	and	and	CCONJ
cjfa-21483	117	60	middle	middle	ADJ
cjfa-21483	117	61	-	-	PUNCT
cjfa-21483	117	62	market	market	NOUN
cjfa-21483	117	63	companies	company	NOUN
cjfa-21483	117	64	(	(	PUNCT
cjfa-21483	117	65	treacy	treacy	PROPN
cjfa-21483	117	66	&	&	CCONJ
cjfa-21483	117	67	carey	carey	PROPN
cjfa-21483	117	68	,	,	PUNCT
cjfa-21483	117	69	2000	2000	NUM
cjfa-21483	117	70	)	)	PUNCT
cjfa-21483	117	71	.	.	PUNCT
cjfa-21483	118	1	as	as	SCONJ
cjfa-21483	118	2	according	accord	VERB
cjfa-21483	118	3	to	to	ADP
cjfa-21483	118	4	a	a	DET
cjfa-21483	118	5	risk	risk	NOUN
cjfa-21483	118	6	practitioner	practitioner	NOUN
cjfa-21483	118	7	mr.q	mr.q	NOUN
cjfa-21483	118	8	:	:	PUNCT
cjfa-21483	118	9	“	"	PUNCT
cjfa-21483	118	10	even	even	ADV
cjfa-21483	118	11	in	in	ADP
cjfa-21483	118	12	the	the	DET
cjfa-21483	118	13	more	more	ADV
cjfa-21483	118	14	liquid	liquid	ADJ
cjfa-21483	118	15	asset	asset	NOUN
cjfa-21483	118	16	classes	class	NOUN
cjfa-21483	118	17	,	,	PUNCT
cjfa-21483	118	18	credit	credit	NOUN
cjfa-21483	118	19	risk	risk	NOUN
cjfa-21483	118	20	quantification	quantification	NOUN
cjfa-21483	118	21	can	can	AUX
cjfa-21483	118	22	only	only	ADV
cjfa-21483	118	23	go	go	VERB
cjfa-21483	118	24	so	so	ADV
cjfa-21483	118	25	far	far	ADV
cjfa-21483	118	26	.	.	PUNCT
cjfa-21483	119	1	default	default	NOUN
cjfa-21483	119	2	is	be	AUX
cjfa-21483	119	3	a	a	DET
cjfa-21483	119	4	rare	rare	ADJ
cjfa-21483	119	5	event	event	NOUN
cjfa-21483	119	6	,	,	PUNCT
cjfa-21483	119	7	and	and	CCONJ
cjfa-21483	119	8	sparse	sparse	ADJ
cjfa-21483	119	9	data	datum	NOUN
cjfa-21483	119	10	sets	set	NOUN
cjfa-21483	119	11	–	–	PUNCT
cjfa-21483	119	12	unlike	unlike	ADP
cjfa-21483	119	13	the	the	DET
cjfa-21483	119	14	ultra	ultra	ADJ
cjfa-21483	119	15	-	-	ADJ
cjfa-21483	119	16	high	high	ADJ
cjfa-21483	119	17	frequency	frequency	NOUN
cjfa-21483	119	18	observations	observation	NOUN
cjfa-21483	119	19	in	in	ADP
cjfa-21483	119	20	market	market	NOUN
cjfa-21483	119	21	risk	risk	NOUN
cjfa-21483	119	22	–	–	PUNCT
cjfa-21483	119	23	limit	limit	VERB
cjfa-21483	119	24	the	the	DET
cjfa-21483	119	25	accuracy	accuracy	NOUN
cjfa-21483	119	26	of	of	ADP
cjfa-21483	119	27	measurement	measurement	NOUN
cjfa-21483	119	28	at	at	ADP
cjfa-21483	119	29	both	both	CCONJ
cjfa-21483	119	30	the	the	DET
cjfa-21483	119	31	transaction	transaction	NOUN
cjfa-21483	119	32	(	(	PUNCT
cjfa-21483	119	33	pd	pd	PROPN
cjfa-21483	119	34	,	,	PUNCT
cjfa-21483	119	35	lgd	lgd	PROPN
cjfa-21483	119	36	,	,	PUNCT
cjfa-21483	119	37	ead	ead	NOUN
cjfa-21483	119	38	)	)	PUNCT
cjfa-21483	119	39	and	and	CCONJ
cjfa-21483	119	40	portfolio	portfolio	NOUN
cjfa-21483	119	41	(	(	PUNCT
cjfa-21483	119	42	ul	ul	INTJ
cjfa-21483	119	43	,	,	PUNCT
cjfa-21483	119	44	economic	economic	ADJ
cjfa-21483	119	45	capital	capital	NOUN
cjfa-21483	119	46	)	)	PUNCT
cjfa-21483	119	47	levels	level	NOUN
cjfa-21483	119	48	.	.	PUNCT
cjfa-21483	120	1	moreover	moreover	ADV
cjfa-21483	120	2	,	,	PUNCT
cjfa-21483	120	3	since	since	SCONJ
cjfa-21483	120	4	credit	credit	NOUN
cjfa-21483	120	5	default	default	NOUN
cjfa-21483	120	6	rates	rate	NOUN
cjfa-21483	120	7	vary	vary	VERB
cjfa-21483	120	8	over	over	ADP
cjfa-21483	120	9	the	the	DET
cjfa-21483	120	10	business	business	NOUN
cjfa-21483	120	11	cycle	cycle	NOUN
cjfa-21483	120	12	,	,	PUNCT
cjfa-21483	120	13	the	the	DET
cjfa-21483	120	14	calibration	calibration	NOUN
cjfa-21483	120	15	and	and	CCONJ
cjfa-21483	120	16	validation	validation	NOUN
cjfa-21483	120	17	of	of	ADP
cjfa-21483	120	18	credit	credit	NOUN
cjfa-21483	120	19	risk	risk	NOUN
cjfa-21483	120	20	measures	measure	NOUN
cjfa-21483	120	21	pose	pose	VERB
cjfa-21483	120	22	unique	unique	ADJ
cjfa-21483	120	23	challenges	challenge	NOUN
cjfa-21483	120	24	.	.	PUNCT
cjfa-21483	120	25	”	"	PUNCT
cjfa-21483	121	1	syed	syed	PROPN
cjfa-21483	121	2	alamdar	alamdar	PROPN
cjfa-21483	121	3	ali	ali	PROPN
cjfa-21483	121	4	shah58	shah58	PROPN
cjfa-21483	121	5	the	the	DET
cjfa-21483	121	6	research	research	NOUN
cjfa-21483	121	7	in	in	ADP
cjfa-21483	121	8	credit	credit	NOUN
cjfa-21483	121	9	risk	risk	NOUN
cjfa-21483	121	10	measurement	measurement	NOUN
cjfa-21483	121	11	also	also	ADV
cjfa-21483	121	12	suggests	suggest	VERB
cjfa-21483	121	13	that	that	SCONJ
cjfa-21483	121	14	credit	credit	NOUN
cjfa-21483	121	15	risk	risk	NOUN
cjfa-21483	121	16	is	be	AUX
cjfa-21483	121	17	subject	subject	ADJ
cjfa-21483	121	18	to	to	ADP
cjfa-21483	121	19	more	more	ADJ
cjfa-21483	121	20	“	"	PUNCT
cjfa-21483	121	21	recognizable	recognizable	ADJ
cjfa-21483	121	22	”	"	PUNCT
cjfa-21483	121	23	than	than	ADP
cjfa-21483	121	24	market	market	NOUN
cjfa-21483	121	25	risk	risk	NOUN
cjfa-21483	121	26	.	.	PUNCT
cjfa-21483	122	1	structural	structural	ADJ
cjfa-21483	122	2	shifts	shift	NOUN
cjfa-21483	122	3	in	in	ADP
cjfa-21483	122	4	default	default	NOUN
cjfa-21483	122	5	risk	risk	NOUN
cjfa-21483	122	6	,	,	PUNCT
cjfa-21483	122	7	recovery	recovery	NOUN
cjfa-21483	122	8	levels	level	NOUN
cjfa-21483	122	9	,	,	PUNCT
cjfa-21483	122	10	utilization	utilization	NOUN
cjfa-21483	122	11	rates	rate	NOUN
cjfa-21483	122	12	,	,	PUNCT
cjfa-21483	122	13	and	and	CCONJ
cjfa-21483	122	14	credit	credit	NOUN
cjfa-21483	122	15	correlations	correlation	NOUN
cjfa-21483	122	16	can	can	AUX
cjfa-21483	122	17	all	all	PRON
cjfa-21483	122	18	have	have	VERB
cjfa-21483	122	19	a	a	DET
cjfa-21483	122	20	major	major	ADJ
cjfa-21483	122	21	impact	impact	NOUN
cjfa-21483	122	22	on	on	ADP
cjfa-21483	122	23	credit	credit	NOUN
cjfa-21483	122	24	quantification	quantification	NOUN
cjfa-21483	122	25	.	.	PUNCT
cjfa-21483	123	1	credit	credit	NOUN
cjfa-21483	123	2	risk	risk	NOUN
cjfa-21483	123	3	is	be	AUX
cjfa-21483	123	4	also	also	ADV
cjfa-21483	123	5	subject	subject	ADJ
cjfa-21483	123	6	to	to	ADP
cjfa-21483	123	7	“	"	PUNCT
cjfa-21483	123	8	enigmatic	enigmatic	ADJ
cjfa-21483	123	9	”	"	PUNCT
cjfa-21483	123	10	unknowable	unknowable	ADJ
cjfa-21483	123	11	regime	regime	NOUN
cjfa-21483	123	12	change	change	NOUN
cjfa-21483	123	13	–	–	PUNCT
cjfa-21483	123	14	e.g.	e.g.	ADV
cjfa-21483	123	15	,	,	PUNCT
cjfa-21483	123	16	a	a	DET
cjfa-21483	123	17	change	change	NOUN
cjfa-21483	123	18	in	in	ADP
cjfa-21483	123	19	bankruptcy	bankruptcy	NOUN
cjfa-21483	123	20	laws	law	NOUN
cjfa-21483	123	21	in	in	ADP
cjfa-21483	123	22	the	the	DET
cjfa-21483	123	23	u.s	u.s	PROPN
cjfa-21483	123	24	.	.	PROPN
cjfa-21483	123	25	for	for	ADP
cjfa-21483	123	26	example	example	NOUN
cjfa-21483	123	27	,	,	PUNCT
cjfa-21483	123	28	gross	gross	ADJ
cjfa-21483	123	29	and	and	CCONJ
cjfa-21483	123	30	souleles	soulele	NOUN
cjfa-21483	123	31	(	(	PUNCT
cjfa-21483	123	32	2002	2002	NUM
cjfa-21483	123	33	)	)	PUNCT
cjfa-21483	123	34	,	,	PUNCT
cjfa-21483	123	35	in	in	ADP
cjfa-21483	123	36	looking	look	VERB
cjfa-21483	123	37	at	at	ADP
cjfa-21483	123	38	the	the	DET
cjfa-21483	123	39	impact	impact	NOUN
cjfa-21483	123	40	of	of	ADP
cjfa-21483	123	41	bankruptcy	bankruptcy	NOUN
cjfa-21483	123	42	regulation	regulation	NOUN
cjfa-21483	123	43	on	on	ADP
cjfa-21483	123	44	consumer	consumer	NOUN
cjfa-21483	123	45	debt	debt	NOUN
cjfa-21483	123	46	in	in	ADP
cjfa-21483	123	47	the	the	DET
cjfa-21483	123	48	u.s	u.s	PROPN
cjfa-21483	123	49	.	.	PROPN
cjfa-21483	123	50	,	,	PUNCT
cjfa-21483	123	51	find	find	VERB
cjfa-21483	123	52	that	that	SCONJ
cjfa-21483	123	53	as	as	SCONJ
cjfa-21483	123	54	bankruptcy	bankruptcy	NOUN
cjfa-21483	123	55	costs	cost	NOUN
cjfa-21483	123	56	decline	decline	VERB
cjfa-21483	123	57	,	,	PUNCT
cjfa-21483	123	58	default	default	NOUN
cjfa-21483	123	59	likelihoods	likelihood	NOUN
cjfa-21483	123	60	increase	increase	NOUN
cjfa-21483	123	61	,	,	PUNCT
cjfa-21483	123	62	often	often	ADV
cjfa-21483	123	63	substantially	substantially	ADV
cjfa-21483	123	64	.	.	PUNCT
cjfa-21483	124	1	structural	structural	ADJ
cjfa-21483	124	2	asset	asset	NOUN
cjfa-21483	124	3	/	/	SYM
cjfa-21483	124	4	liability	liability	NOUN
cjfa-21483	124	5	risk	risk	NOUN
cjfa-21483	124	6	discussing	discuss	VERB
cjfa-21483	124	7	about	about	ADP
cjfa-21483	124	8	the	the	DET
cjfa-21483	124	9	structural	structural	ADJ
cjfa-21483	124	10	asset	asset	NOUN
cjfa-21483	124	11	/	/	SYM
cjfa-21483	124	12	liability	liability	NOUN
cjfa-21483	124	13	risk	risk	NOUN
cjfa-21483	124	14	from	from	ADP
cjfa-21483	124	15	the	the	DET
cjfa-21483	124	16	category	category	NOUN
cjfa-21483	124	17	of	of	ADP
cjfa-21483	124	18	financial	financial	ADJ
cjfa-21483	124	19	risks	risk	NOUN
cjfa-21483	124	20	,	,	PUNCT
cjfa-21483	124	21	most	most	ADJ
cjfa-21483	124	22	of	of	ADP
cjfa-21483	124	23	the	the	DET
cjfa-21483	124	24	risk	risk	NOUN
cjfa-21483	124	25	professionals	professional	NOUN
cjfa-21483	124	26	were	be	AUX
cjfa-21483	124	27	of	of	ADP
cjfa-21483	124	28	the	the	DET
cjfa-21483	124	29	view	view	NOUN
cjfa-21483	124	30	that	that	SCONJ
cjfa-21483	124	31	this	this	PRON
cjfa-21483	124	32	is	be	AUX
cjfa-21483	124	33	related	relate	VERB
cjfa-21483	124	34	to	to	ADP
cjfa-21483	124	35	market	market	NOUN
cjfa-21483	124	36	risk	risk	NOUN
cjfa-21483	124	37	,	,	PUNCT
cjfa-21483	124	38	although	although	SCONJ
cjfa-21483	124	39	the	the	DET
cjfa-21483	124	40	measurement	measurement	NOUN
cjfa-21483	124	41	problem	problem	NOUN
cjfa-21483	124	42	is	be	AUX
cjfa-21483	124	43	far	far	ADV
cjfa-21483	124	44	more	more	ADV
cjfa-21483	124	45	challenging	challenging	ADJ
cjfa-21483	124	46	.	.	PUNCT
cjfa-21483	125	1	while	while	SCONJ
cjfa-21483	125	2	the	the	DET
cjfa-21483	125	3	dominant	dominant	ADJ
cjfa-21483	125	4	risk	risk	NOUN
cjfa-21483	125	5	factor	factor	NOUN
cjfa-21483	125	6	in	in	ADP
cjfa-21483	125	7	asset	asset	NOUN
cjfa-21483	125	8	/	/	SYM
cjfa-21483	125	9	liability	liability	NOUN
cjfa-21483	125	10	risk	risk	NOUN
cjfa-21483	125	11	is	be	AUX
cjfa-21483	125	12	movements	movement	NOUN
cjfa-21483	125	13	in	in	ADP
cjfa-21483	125	14	interest	interest	NOUN
cjfa-21483	125	15	rates	rate	NOUN
cjfa-21483	125	16	–	–	PUNCT
cjfa-21483	125	17	and	and	CCONJ
cjfa-21483	125	18	there	there	PRON
cjfa-21483	125	19	is	be	VERB
cjfa-21483	125	20	a	a	DET
cjfa-21483	125	21	long	long	ADJ
cjfa-21483	125	22	tradition	tradition	NOUN
cjfa-21483	125	23	among	among	ADP
cjfa-21483	125	24	both	both	PRON
cjfa-21483	125	25	financial	financial	ADJ
cjfa-21483	125	26	economists	economist	NOUN
cjfa-21483	125	27	and	and	CCONJ
cjfa-21483	125	28	practitioners	practitioner	NOUN
cjfa-21483	125	29	in	in	ADP
cjfa-21483	125	30	modeling	model	VERB
cjfa-21483	125	31	interest	interest	NOUN
cjfa-21483	125	32	rate	rate	NOUN
cjfa-21483	125	33	paths	path	NOUN
cjfa-21483	125	34	–	–	PUNCT
cjfa-21483	125	35	this	this	PRON
cjfa-21483	125	36	is	be	AUX
cjfa-21483	125	37	not	not	PART
cjfa-21483	125	38	where	where	SCONJ
cjfa-21483	125	39	the	the	DET
cjfa-21483	125	40	principal	principal	ADJ
cjfa-21483	125	41	difficulty	difficulty	NOUN
cjfa-21483	125	42	lies	lie	VERB
cjfa-21483	125	43	.	.	PUNCT
cjfa-21483	126	1	the	the	DET
cjfa-21483	126	2	challenge	challenge	NOUN
cjfa-21483	126	3	comes	come	VERB
cjfa-21483	126	4	from	from	ADP
cjfa-21483	126	5	the	the	DET
cjfa-21483	126	6	need	need	NOUN
cjfa-21483	126	7	to	to	PART
cjfa-21483	126	8	characterize	characterize	VERB
cjfa-21483	126	9	indeterminate	indeterminate	ADJ
cjfa-21483	126	10	cash	cash	NOUN
cjfa-21483	126	11	flows	flow	NOUN
cjfa-21483	126	12	on	on	ADP
cjfa-21483	126	13	both	both	CCONJ
cjfa-21483	126	14	the	the	DET
cjfa-21483	126	15	asset	asset	NOUN
cjfa-21483	126	16	and	and	CCONJ
cjfa-21483	126	17	liability	liability	NOUN
cjfa-21483	126	18	side	side	NOUN
cjfa-21483	126	19	;	;	PUNCT
cjfa-21483	126	20	from	from	ADP
cjfa-21483	126	21	the	the	DET
cjfa-21483	126	22	valuation	valuation	NOUN
cjfa-21483	126	23	of	of	ADP
cjfa-21483	126	24	embedded	embed	VERB
cjfa-21483	126	25	options	option	NOUN
cjfa-21483	126	26	and	and	CCONJ
cjfa-21483	126	27	hedges	hedge	NOUN
cjfa-21483	126	28	in	in	ADP
cjfa-21483	126	29	a	a	DET
cjfa-21483	126	30	bank	bank	NOUN
cjfa-21483	126	31	’s	’s	PART
cjfa-21483	126	32	investment	investment	NOUN
cjfa-21483	126	33	portfolio	portfolio	NOUN
cjfa-21483	126	34	;	;	PUNCT
cjfa-21483	126	35	from	from	ADP
cjfa-21483	126	36	the	the	DET
cjfa-21483	126	37	long	long	ADJ
cjfa-21483	126	38	holding	holding	NOUN
cjfa-21483	126	39	period	period	NOUN
cjfa-21483	126	40	assumed	assume	VERB
cjfa-21483	126	41	for	for	ADP
cjfa-21483	126	42	a	a	DET
cjfa-21483	126	43	bank	bank	NOUN
cjfa-21483	126	44	’s	’s	PART
cjfa-21483	126	45	structural	structural	ADJ
cjfa-21483	126	46	balance	balance	NOUN
cjfa-21483	126	47	sheet	sheet	NOUN
cjfa-21483	126	48	;	;	PUNCT
cjfa-21483	126	49	and	and	CCONJ
cjfa-21483	126	50	,	,	PUNCT
cjfa-21483	126	51	perhaps	perhaps	ADV
cjfa-21483	126	52	most	most	ADV
cjfa-21483	126	53	importantly	importantly	ADV
cjfa-21483	126	54	,	,	PUNCT
cjfa-21483	126	55	from	from	ADP
cjfa-21483	126	56	the	the	DET
cjfa-21483	126	57	lack	lack	NOUN
cjfa-21483	126	58	of	of	ADP
cjfa-21483	126	59	convergence	convergence	NOUN
cjfa-21483	126	60	on	on	ADP
cjfa-21483	126	61	a	a	DET
cjfa-21483	126	62	measurement	measurement	NOUN
cjfa-21483	126	63	standard	standard	NOUN
cjfa-21483	126	64	(	(	PUNCT
cjfa-21483	126	65	bessis	bessis	NOUN
cjfa-21483	126	66	,	,	PUNCT
cjfa-21483	126	67	1998	1998	NUM
cjfa-21483	126	68	;	;	PUNCT
cjfa-21483	126	69	saunders	saunder	NOUN
cjfa-21483	126	70	,	,	PUNCT
cjfa-21483	126	71	2000	2000	NUM
cjfa-21483	126	72	)	)	PUNCT
cjfa-21483	126	73	.	.	PUNCT
cjfa-21483	127	1	unlike	unlike	ADP
cjfa-21483	127	2	market	market	NOUN
cjfa-21483	127	3	or	or	CCONJ
cjfa-21483	127	4	credit	credit	NOUN
cjfa-21483	127	5	risk	risk	NOUN
cjfa-21483	127	6	,	,	PUNCT
cjfa-21483	127	7	there	there	PRON
cjfa-21483	127	8	is	be	VERB
cjfa-21483	127	9	no	no	DET
cjfa-21483	127	10	standardized	standardized	ADJ
cjfa-21483	127	11	approach	approach	NOUN
cjfa-21483	127	12	for	for	ADP
cjfa-21483	127	13	asset/	asset/	NUM
cjfa-21483	127	14	liability	liability	NOUN
cjfa-21483	127	15	risk	risk	NOUN
cjfa-21483	127	16	measurement	measurement	NOUN
cjfa-21483	127	17	.	.	PUNCT
cjfa-21483	128	1	in	in	ADP
cjfa-21483	128	2	fact	fact	NOUN
cjfa-21483	128	3	,	,	PUNCT
cjfa-21483	128	4	practitioners	practitioner	NOUN
cjfa-21483	128	5	do	do	AUX
cjfa-21483	128	6	not	not	PART
cjfa-21483	128	7	even	even	ADV
cjfa-21483	128	8	agree	agree	VERB
cjfa-21483	128	9	on	on	ADP
cjfa-21483	128	10	whether	whether	SCONJ
cjfa-21483	128	11	the	the	DET
cjfa-21483	128	12	appropriate	appropriate	ADJ
cjfa-21483	128	13	measure	measure	NOUN
cjfa-21483	128	14	is	be	AUX
cjfa-21483	128	15	an	an	DET
cjfa-21483	128	16	earnings	earning	NOUN
cjfa-21483	128	17	approach	approach	NOUN
cjfa-21483	128	18	based	base	VERB
cjfa-21483	128	19	on	on	ADP
cjfa-21483	128	20	net	net	ADJ
cjfa-21483	128	21	interest	interest	NOUN
cjfa-21483	128	22	revenue	revenue	NOUN
cjfa-21483	128	23	volatility	volatility	NOUN
cjfa-21483	128	24	,	,	PUNCT
cjfa-21483	128	25	or	or	CCONJ
cjfa-21483	128	26	a	a	DET
cjfa-21483	128	27	value	value	NOUN
cjfa-21483	128	28	approach	approach	NOUN
cjfa-21483	128	29	based	base	VERB
cjfa-21483	128	30	on	on	ADP
cjfa-21483	128	31	changes	change	NOUN
cjfa-21483	128	32	in	in	ADP
cjfa-21483	128	33	the	the	DET
cjfa-21483	128	34	economic	economic	ADJ
cjfa-21483	128	35	value	value	NOUN
cjfa-21483	128	36	of	of	ADP
cjfa-21483	128	37	equity	equity	NOUN
cjfa-21483	128	38	(	(	PUNCT
cjfa-21483	128	39	eve	eve	NOUN
cjfa-21483	128	40	)	)	PUNCT
cjfa-21483	129	1	[	[	X
cjfa-21483	129	2	defined	define	VERB
cjfa-21483	129	3	as	as	ADP
cjfa-21483	129	4	the	the	DET
cjfa-21483	129	5	present	present	ADJ
cjfa-21483	129	6	value	value	NOUN
cjfa-21483	129	7	of	of	ADP
cjfa-21483	129	8	assets	asset	NOUN
cjfa-21483	129	9	minus	minus	ADP
cjfa-21483	129	10	liabilities	liability	NOUN
cjfa-21483	129	11	(	(	PUNCT
cjfa-21483	129	12	koch	koch	PROPN
cjfa-21483	129	13	&	&	CCONJ
cjfa-21483	129	14	macdonald	macdonald	PROPN
cjfa-21483	129	15	,	,	PUNCT
cjfa-21483	129	16	2000	2000	NUM
cjfa-21483	129	17	)	)	PUNCT
cjfa-21483	129	18	.	.	PUNCT
cjfa-21483	130	1	as	as	SCONJ
cjfa-21483	130	2	pointed	point	VERB
cjfa-21483	130	3	out	out	ADP
cjfa-21483	130	4	one	one	NUM
cjfa-21483	130	5	of	of	ADP
cjfa-21483	130	6	the	the	DET
cjfa-21483	130	7	participant	participant	NOUN
cjfa-21483	130	8	mr	mr	PROPN
cjfa-21483	130	9	.	.	PROPN
cjfa-21483	130	10	a	a	X
cjfa-21483	130	11	:	:	PUNCT
cjfa-21483	130	12	“	"	PUNCT
cjfa-21483	130	13	the	the	DET
cjfa-21483	130	14	measurement	measurement	NOUN
cjfa-21483	130	15	debate	debate	NOUN
cjfa-21483	130	16	is	be	AUX
cjfa-21483	130	17	partly	partly	ADV
cjfa-21483	130	18	driven	drive	VERB
cjfa-21483	130	19	by	by	ADP
cjfa-21483	130	20	the	the	DET
cjfa-21483	130	21	arcane	arcane	ADJ
cjfa-21483	130	22	accounting	accounting	NOUN
cjfa-21483	130	23	treatment	treatment	NOUN
cjfa-21483	130	24	of	of	ADP
cjfa-21483	130	25	interest	interest	NOUN
cjfa-21483	130	26	earnings	earning	NOUN
cjfa-21483	130	27	from	from	ADP
cjfa-21483	130	28	a	a	DET
cjfa-21483	130	29	bank	bank	NOUN
cjfa-21483	130	30	’s	’s	PART
cjfa-21483	130	31	investment	investment	NOUN
cjfa-21483	130	32	portfolio	portfolio	NOUN
cjfa-21483	130	33	,	,	PUNCT
cjfa-21483	130	34	with	with	ADP
cjfa-21483	130	35	some	some	DET
cjfa-21483	130	36	assets	asset	NOUN
cjfa-21483	130	37	(	(	PUNCT
cjfa-21483	130	38	but	but	CCONJ
cjfa-21483	130	39	not	not	PART
cjfa-21483	130	40	necessarily	necessarily	ADV
cjfa-21483	130	41	corresponding	correspond	VERB
cjfa-21483	130	42	liabilities	liability	NOUN
cjfa-21483	130	43	)	)	PUNCT
cjfa-21483	130	44	receiving	receive	VERB
cjfa-21483	130	45	mark	mark	NOUN
cjfa-21483	130	46	-	-	PUNCT
cjfa-21483	130	47	to	to	ADP
cjfa-21483	130	48	-	-	PUNCT
cjfa-21483	130	49	market	market	NOUN
cjfa-21483	130	50	treatment	treatment	NOUN
cjfa-21483	130	51	,	,	PUNCT
cjfa-21483	130	52	while	while	SCONJ
cjfa-21483	130	53	other	other	ADJ
cjfa-21483	130	54	assets	asset	NOUN
cjfa-21483	130	55	(	(	PUNCT
cjfa-21483	130	56	those	those	PRON
cjfa-21483	130	57	deemed	deem	VERB
cjfa-21483	130	58	to	to	PART
cjfa-21483	130	59	be	be	AUX
cjfa-21483	130	60	“	"	PUNCT
cjfa-21483	130	61	available	available	ADJ
cjfa-21483	130	62	for	for	ADP
cjfa-21483	130	63	sale	sale	NOUN
cjfa-21483	130	64	”	"	PUNCT
cjfa-21483	130	65	or	or	CCONJ
cjfa-21483	130	66	“	"	PUNCT
cjfa-21483	130	67	held	hold	VERB
cjfa-21483	130	68	to	to	ADP
cjfa-21483	130	69	maturity	maturity	NOUN
cjfa-21483	130	70	”	"	PUNCT
cjfa-21483	130	71	)	)	PUNCT
cjfa-21483	130	72	are	be	AUX
cjfa-21483	130	73	recognized	recognize	VERB
cjfa-21483	130	74	on	on	ADP
cjfa-21483	130	75	an	an	DET
cjfa-21483	130	76	accruals	accrual	NOUN
cjfa-21483	130	77	basis	basis	NOUN
cjfa-21483	130	78	.	.	PUNCT
cjfa-21483	130	79	”	"	PUNCT
cjfa-21483	131	1	lack	lack	NOUN
cjfa-21483	131	2	of	of	ADP
cjfa-21483	131	3	consensus	consensus	NOUN
cjfa-21483	131	4	on	on	ADP
cjfa-21483	131	5	how	how	SCONJ
cjfa-21483	131	6	to	to	PART
cjfa-21483	131	7	measure	measure	VERB
cjfa-21483	131	8	asset	asset	NOUN
cjfa-21483	131	9	/	/	SYM
cjfa-21483	131	10	liability	liability	NOUN
cjfa-21483	131	11	risk	risk	NOUN
cjfa-21483	131	12	was	be	AUX
cjfa-21483	131	13	reported	report	VERB
cjfa-21483	131	14	to	to	PART
cjfa-21483	131	15	be	be	AUX
cjfa-21483	131	16	a	a	DET
cjfa-21483	131	17	major	major	ADJ
cjfa-21483	131	18	reason	reason	NOUN
cjfa-21483	131	19	why	why	SCONJ
cjfa-21483	131	20	interest	interest	NOUN
cjfa-21483	131	21	rate	rate	NOUN
cjfa-21483	131	22	risk	risk	NOUN
cjfa-21483	131	23	outside	outside	ADP
cjfa-21483	131	24	the	the	DET
cjfa-21483	131	25	trading	trading	NOUN
cjfa-21483	131	26	book	book	NOUN
cjfa-21483	131	27	was	be	AUX
cjfa-21483	131	28	not	not	PART
cjfa-21483	131	29	sub	sub	ADJ
cjfa-21483	131	30	integration	integration	NOUN
cjfa-21483	131	31	of	of	ADP
cjfa-21483	131	32	financial	financial	ADJ
cjfa-21483	131	33	risks	risk	NOUN
cjfa-21483	131	34	with	with	ADP
cjfa-21483	131	35	non	non	ADJ
cjfa-21483	131	36	-	-	ADJ
cjfa-21483	131	37	financial	financial	ADJ
cjfa-21483	131	38	risks	risk	NOUN
cjfa-21483	131	39	…	…	PUNCT
cjfa-21483	131	40	59	59	NUM
cjfa-21483	131	41	jected	jecte	VERB
cjfa-21483	131	42	to	to	ADP
cjfa-21483	131	43	an	an	DET
cjfa-21483	131	44	explicit	explicit	ADJ
cjfa-21483	131	45	(	(	PUNCT
cjfa-21483	131	46	pillar	pillar	NOUN
cjfa-21483	131	47	1	1	NUM
cjfa-21483	131	48	)	)	PUNCT
cjfa-21483	131	49	capital	capital	NOUN
cjfa-21483	131	50	charge	charge	NOUN
cjfa-21483	131	51	under	under	ADP
cjfa-21483	131	52	basel	basel	PROPN
cjfa-21483	131	53	ii	ii	PROPN
cjfa-21483	131	54	but	but	CCONJ
cjfa-21483	131	55	is	be	AUX
cjfa-21483	131	56	covered	cover	VERB
cjfa-21483	131	57	under	under	ADP
cjfa-21483	131	58	pillar	pillar	NOUN
cjfa-21483	131	59	2	2	NUM
cjfa-21483	131	60	instead	instead	ADV
cjfa-21483	131	61	(	(	PUNCT
cjfa-21483	131	62	bcbs	bcb	NOUN
cjfa-21483	131	63	,	,	PUNCT
cjfa-21483	131	64	2005	2005	NUM
cjfa-21483	131	65	)	)	PUNCT
cjfa-21483	131	66	.	.	PUNCT
cjfa-21483	132	1	given	give	VERB
cjfa-21483	132	2	the	the	DET
cjfa-21483	132	3	lack	lack	NOUN
cjfa-21483	132	4	of	of	ADP
cjfa-21483	132	5	standardization	standardization	NOUN
cjfa-21483	132	6	,	,	PUNCT
cjfa-21483	132	7	it	it	PRON
cjfa-21483	132	8	is	be	AUX
cjfa-21483	132	9	not	not	PART
cjfa-21483	132	10	surprising	surprising	ADJ
cjfa-21483	132	11	that	that	SCONJ
cjfa-21483	132	12	there	there	PRON
cjfa-21483	132	13	is	be	VERB
cjfa-21483	132	14	a	a	DET
cjfa-21483	132	15	wide	wide	ADJ
cjfa-21483	132	16	range	range	NOUN
cjfa-21483	132	17	of	of	ADP
cjfa-21483	132	18	sophistication	sophistication	NOUN
cjfa-21483	132	19	in	in	ADP
cjfa-21483	132	20	asset	asset	NOUN
cjfa-21483	132	21	/	/	SYM
cjfa-21483	132	22	liability	liability	NOUN
cjfa-21483	132	23	risk	risk	NOUN
cjfa-21483	132	24	measurement	measurement	NOUN
cjfa-21483	132	25	.	.	PUNCT
cjfa-21483	133	1	simplistic	simplistic	ADJ
cjfa-21483	133	2	approaches	approach	NOUN
cjfa-21483	133	3	include	include	VERB
cjfa-21483	133	4	calculating	calculate	VERB
cjfa-21483	133	5	the	the	DET
cjfa-21483	133	6	impact	impact	NOUN
cjfa-21483	133	7	of	of	ADP
cjfa-21483	133	8	fixed	fix	VERB
cjfa-21483	133	9	rate	rate	NOUN
cjfa-21483	133	10	shocks	shock	NOUN
cjfa-21483	133	11	–	–	PUNCT
cjfa-21483	133	12	such	such	ADJ
cjfa-21483	133	13	as	as	ADP
cjfa-21483	133	14	a	a	DET
cjfa-21483	133	15	100	100	NUM
cjfa-21483	133	16	or	or	CCONJ
cjfa-21483	133	17	200	200	NUM
cjfa-21483	133	18	bp	bp	PROPN
cjfa-21483	133	19	parallel	parallel	ADJ
cjfa-21483	133	20	shift	shift	NOUN
cjfa-21483	133	21	in	in	ADP
cjfa-21483	133	22	yield	yield	NOUN
cjfa-21483	133	23	curves	curve	NOUN
cjfa-21483	133	24	–	–	PUNCT
cjfa-21483	133	25	on	on	ADP
cjfa-21483	133	26	the	the	DET
cjfa-21483	133	27	bank	bank	NOUN
cjfa-21483	133	28	’s	’s	PART
cjfa-21483	133	29	eve	eve	PROPN
cjfa-21483	133	30	and	and	CCONJ
cjfa-21483	133	31	net	net	ADJ
cjfa-21483	133	32	interest	interest	NOUN
cjfa-21483	133	33	revenues	revenue	NOUN
cjfa-21483	133	34	.	.	PUNCT
cjfa-21483	134	1	basel	basel	PROPN
cjfa-21483	134	2	ii	ii	PROPN
cjfa-21483	134	3	suggests	suggest	VERB
cjfa-21483	134	4	such	such	DET
cjfa-21483	134	5	a	a	DET
cjfa-21483	134	6	simple	simple	ADJ
cjfa-21483	134	7	200	200	NUM
cjfa-21483	134	8	bp	bp	PROPN
cjfa-21483	134	9	parallel	parallel	ADJ
cjfa-21483	134	10	shift	shift	NOUN
cjfa-21483	134	11	test	test	NOUN
cjfa-21483	134	12	as	as	ADP
cjfa-21483	134	13	a	a	DET
cjfa-21483	134	14	means	means	NOUN
cjfa-21483	134	15	of	of	ADP
cjfa-21483	134	16	identifying	identify	VERB
cjfa-21483	134	17	banks	bank	NOUN
cjfa-21483	134	18	that	that	PRON
cjfa-21483	134	19	are	be	AUX
cjfa-21483	134	20	outliers	outlier	NOUN
cjfa-21483	134	21	in	in	ADP
cjfa-21483	134	22	terms	term	NOUN
cjfa-21483	134	23	of	of	ADP
cjfa-21483	134	24	asset	asset	NOUN
cjfa-21483	134	25	/	/	SYM
cjfa-21483	134	26	liability	liability	NOUN
cjfa-21483	134	27	risk	risk	NOUN
cjfa-21483	134	28	.	.	PUNCT
cjfa-21483	135	1	more	more	ADV
cjfa-21483	135	2	sophisticated	sophisticated	ADJ
cjfa-21483	135	3	approaches	approach	NOUN
cjfa-21483	135	4	subject	subject	VERB
cjfa-21483	135	5	the	the	DET
cjfa-21483	135	6	balance	balance	NOUN
cjfa-21483	135	7	sheet	sheet	NOUN
cjfa-21483	135	8	to	to	ADP
cjfa-21483	135	9	full	full	ADJ
cjfa-21483	135	10	simulation	simulation	NOUN
cjfa-21483	135	11	of	of	ADP
cjfa-21483	135	12	interest	interest	NOUN
cjfa-21483	135	13	rate	rate	NOUN
cjfa-21483	135	14	movements	movement	NOUN
cjfa-21483	135	15	,	,	PUNCT
cjfa-21483	135	16	and	and	CCONJ
cjfa-21483	135	17	calibrate	calibrate	VERB
cjfa-21483	135	18	outcomes	outcome	NOUN
cjfa-21483	135	19	based	base	VERB
cjfa-21483	135	20	on	on	ADP
cjfa-21483	135	21	probabilistically	probabilistically	ADV
cjfa-21483	135	22	-	-	PUNCT
cjfa-21483	135	23	weighted	weight	VERB
cjfa-21483	135	24	scenarios	scenario	NOUN
cjfa-21483	135	25	(	(	PUNCT
cjfa-21483	135	26	including	include	VERB
cjfa-21483	135	27	tail	tail	NOUN
cjfa-21483	135	28	-	-	PUNCT
cjfa-21483	135	29	risk	risk	NOUN
cjfa-21483	135	30	scenarios	scenario	NOUN
cjfa-21483	135	31	)	)	PUNCT
cjfa-21483	135	32	(	(	PUNCT
cjfa-21483	135	33	bessis	bessis	VERB
cjfa-21483	135	34	,	,	PUNCT
cjfa-21483	135	35	1998	1998	NUM
cjfa-21483	135	36	)	)	PUNCT
cjfa-21483	135	37	.	.	PUNCT
cjfa-21483	136	1	operational	operational	ADJ
cjfa-21483	136	2	risk	risk	NOUN
cjfa-21483	136	3	discussing	discuss	VERB
cjfa-21483	136	4	about	about	ADP
cjfa-21483	136	5	operational	operational	ADJ
cjfa-21483	136	6	risks	risk	NOUN
cjfa-21483	136	7	from	from	ADP
cjfa-21483	136	8	the	the	DET
cjfa-21483	136	9	category	category	NOUN
cjfa-21483	136	10	of	of	ADP
cjfa-21483	136	11	non	non	ADJ
cjfa-21483	136	12	-	-	ADJ
cjfa-21483	136	13	financial	financial	ADJ
cjfa-21483	136	14	risks	risk	NOUN
cjfa-21483	136	15	the	the	DET
cjfa-21483	136	16	risk	risk	NOUN
cjfa-21483	136	17	professionals	professional	NOUN
cjfa-21483	136	18	were	be	AUX
cjfa-21483	136	19	of	of	ADP
cjfa-21483	136	20	the	the	DET
cjfa-21483	136	21	view	view	NOUN
cjfa-21483	136	22	that	that	SCONJ
cjfa-21483	136	23	the	the	DET
cjfa-21483	136	24	operational	operational	ADJ
cjfa-21483	136	25	risk	risk	NOUN
cjfa-21483	136	26	is	be	AUX
cjfa-21483	136	27	the	the	DET
cjfa-21483	136	28	newest	new	ADJ
cjfa-21483	136	29	risk	risk	NOUN
cjfa-21483	136	30	class	class	NOUN
cjfa-21483	136	31	to	to	PART
cjfa-21483	136	32	emerge	emerge	VERB
cjfa-21483	136	33	as	as	ADP
cjfa-21483	136	34	a	a	DET
cjfa-21483	136	35	discrete	discrete	ADJ
cjfa-21483	136	36	category	category	NOUN
cjfa-21483	136	37	.	.	PUNCT
cjfa-21483	137	1	prior	prior	ADV
cjfa-21483	137	2	to	to	ADP
cjfa-21483	137	3	the	the	DET
cjfa-21483	137	4	early	early	ADJ
cjfa-21483	137	5	consultative	consultative	ADJ
cjfa-21483	137	6	papers	paper	NOUN
cjfa-21483	137	7	for	for	ADP
cjfa-21483	137	8	basel	basel	PROPN
cjfa-21483	137	9	ii	ii	PROPN
cjfa-21483	137	10	,	,	PUNCT
cjfa-21483	137	11	there	there	PRON
cjfa-21483	137	12	was	be	VERB
cjfa-21483	137	13	no	no	DET
cjfa-21483	137	14	agreement	agreement	NOUN
cjfa-21483	137	15	on	on	ADP
cjfa-21483	137	16	what	what	PRON
cjfa-21483	137	17	the	the	DET
cjfa-21483	137	18	definition	definition	NOUN
cjfa-21483	137	19	of	of	ADP
cjfa-21483	137	20	operational	operational	ADJ
cjfa-21483	137	21	risk	risk	NOUN
cjfa-21483	137	22	was	be	AUX
cjfa-21483	137	23	,	,	PUNCT
cjfa-21483	137	24	let	let	VERB
cjfa-21483	137	25	alone	alone	ADV
cjfa-21483	137	26	how	how	SCONJ
cjfa-21483	137	27	to	to	PART
cjfa-21483	137	28	measure	measure	VERB
cjfa-21483	137	29	it	it	PRON
cjfa-21483	137	30	.	.	PUNCT
cjfa-21483	138	1	basel	basel	PROPN
cjfa-21483	138	2	ii	ii	PROPN
cjfa-21483	138	3	established	establish	VERB
cjfa-21483	138	4	a	a	DET
cjfa-21483	138	5	standardized	standardized	ADJ
cjfa-21483	138	6	definition	definition	NOUN
cjfa-21483	138	7	and	and	CCONJ
cjfa-21483	138	8	classification	classification	NOUN
cjfa-21483	138	9	scheme	scheme	NOUN
cjfa-21483	138	10	for	for	ADP
cjfa-21483	138	11	operational	operational	ADJ
cjfa-21483	138	12	risk	risk	NOUN
cjfa-21483	138	13	–	–	PUNCT
cjfa-21483	138	14	subdividing	subdivide	VERB
cjfa-21483	138	15	internal	internal	ADJ
cjfa-21483	138	16	and	and	CCONJ
cjfa-21483	138	17	external	external	ADJ
cjfa-21483	138	18	events	event	NOUN
cjfa-21483	138	19	into	into	ADP
cjfa-21483	138	20	seven	seven	NUM
cjfa-21483	138	21	recognized	recognize	VERB
cjfa-21483	138	22	categories	category	NOUN
cjfa-21483	138	23	,	,	PUNCT
cjfa-21483	138	24	limiting	limit	VERB
cjfa-21483	138	25	operational	operational	ADJ
cjfa-21483	138	26	risks	risk	NOUN
cjfa-21483	138	27	to	to	ADP
cjfa-21483	138	28	the	the	DET
cjfa-21483	138	29	“	"	PUNCT
cjfa-21483	138	30	direct	direct	ADJ
cjfa-21483	138	31	”	"	PUNCT
cjfa-21483	138	32	consequences	consequence	NOUN
cjfa-21483	138	33	of	of	ADP
cjfa-21483	138	34	operational	operational	ADJ
cjfa-21483	138	35	losses	loss	NOUN
cjfa-21483	138	36	,	,	PUNCT
cjfa-21483	138	37	and	and	CCONJ
cjfa-21483	138	38	excluding	exclude	VERB
cjfa-21483	138	39	indirect	indirect	ADJ
cjfa-21483	138	40	consequences	consequence	NOUN
cjfa-21483	138	41	such	such	ADJ
cjfa-21483	138	42	as	as	ADP
cjfa-21483	138	43	reputation	reputation	NOUN
cjfa-21483	138	44	effects	effect	NOUN
cjfa-21483	138	45	from	from	ADP
cjfa-21483	138	46	the	the	DET
cjfa-21483	138	47	definition	definition	NOUN
cjfa-21483	138	48	.	.	PUNCT
cjfa-21483	139	1	going	go	VERB
cjfa-21483	139	2	forward	forward	ADV
cjfa-21483	139	3	,	,	PUNCT
cjfa-21483	139	4	basel	basel	PROPN
cjfa-21483	139	5	ii	ii	PROPN
cjfa-21483	139	6	requires	require	VERB
cjfa-21483	139	7	that	that	SCONJ
cjfa-21483	139	8	banks	bank	NOUN
cjfa-21483	139	9	seeking	seek	VERB
cjfa-21483	139	10	to	to	PART
cjfa-21483	139	11	adopt	adopt	VERB
cjfa-21483	139	12	the	the	DET
cjfa-21483	139	13	advanced	advanced	ADJ
cjfa-21483	139	14	measurement	measurement	NOUN
cjfa-21483	139	15	approach	approach	NOUN
cjfa-21483	139	16	for	for	ADP
cjfa-21483	139	17	operational	operational	ADJ
cjfa-21483	139	18	risk	risk	NOUN
cjfa-21483	139	19	(	(	PUNCT
cjfa-21483	139	20	the	the	DET
cjfa-21483	139	21	only	only	ADJ
cjfa-21483	139	22	option	option	NOUN
cjfa-21483	139	23	available	available	ADJ
cjfa-21483	139	24	for	for	ADP
cjfa-21483	139	25	u.s	u.s	PROPN
cjfa-21483	139	26	.	.	PROPN
cjfa-21483	139	27	banks	bank	NOUN
cjfa-21483	139	28	)	)	PUNCT
cjfa-21483	139	29	develop	develop	VERB
cjfa-21483	139	30	internal	internal	ADJ
cjfa-21483	139	31	economic	economic	ADJ
cjfa-21483	139	32	capital	capital	NOUN
cjfa-21483	139	33	models	model	NOUN
cjfa-21483	139	34	to	to	PART
cjfa-21483	139	35	estimate	estimate	VERB
cjfa-21483	139	36	a	a	DET
cjfa-21483	139	37	bank	bank	NOUN
cjfa-21483	139	38	’s	’s	PART
cjfa-21483	139	39	exposure	exposure	NOUN
cjfa-21483	139	40	to	to	ADP
cjfa-21483	139	41	operational	operational	ADJ
cjfa-21483	139	42	losses	loss	NOUN
cjfa-21483	139	43	at	at	ADP
cjfa-21483	139	44	the	the	DET
cjfa-21483	139	45	99.9	99.9	NUM
cjfa-21483	139	46	%	%	NOUN
cjfa-21483	139	47	level	level	NOUN
cjfa-21483	139	48	over	over	ADP
cjfa-21483	139	49	a	a	DET
cjfa-21483	139	50	one	one	NUM
cjfa-21483	139	51	-	-	PUNCT
cjfa-21483	139	52	year	year	NOUN
cjfa-21483	139	53	horizon	horizon	NOUN
cjfa-21483	139	54	(	(	PUNCT
cjfa-21483	139	55	bcbs	bcbs	PROPN
cjfa-21483	139	56	,	,	PUNCT
cjfa-21483	139	57	2005	2005	NUM
cjfa-21483	139	58	)	)	PUNCT
cjfa-21483	139	59	.	.	PUNCT
cjfa-21483	140	1	prior	prior	ADV
cjfa-21483	140	2	to	to	ADP
cjfa-21483	140	3	the	the	DET
cjfa-21483	140	4	basel	basel	PROPN
cjfa-21483	140	5	ii	ii	PROPN
cjfa-21483	140	6	pronouncements	pronouncement	NOUN
cjfa-21483	140	7	,	,	PUNCT
cjfa-21483	140	8	operational	operational	ADJ
cjfa-21483	140	9	risk	risk	NOUN
cjfa-21483	140	10	was	be	AUX
cjfa-21483	140	11	often	often	ADV
cjfa-21483	140	12	included	include	VERB
cjfa-21483	140	13	together	together	ADV
cjfa-21483	140	14	with	with	ADP
cjfa-21483	140	15	other	other	ADJ
cjfa-21483	140	16	nonfinancial	nonfinancial	ADJ
cjfa-21483	140	17	risks	risk	NOUN
cjfa-21483	140	18	as	as	ADP
cjfa-21483	140	19	“	"	PUNCT
cjfa-21483	140	20	operating	operate	VERB
cjfa-21483	140	21	risk	risk	NOUN
cjfa-21483	140	22	,	,	PUNCT
cjfa-21483	140	23	”	"	PUNCT
cjfa-21483	140	24	and	and	CCONJ
cjfa-21483	140	25	measured	measure	VERB
cjfa-21483	140	26	in	in	ADP
cjfa-21483	140	27	economic	economic	ADJ
cjfa-21483	140	28	capital	capital	NOUN
cjfa-21483	140	29	frameworks	framework	NOUN
cjfa-21483	140	30	,	,	PUNCT
cjfa-21483	140	31	if	if	SCONJ
cjfa-21483	140	32	at	at	ADV
cjfa-21483	140	33	all	all	ADV
cjfa-21483	140	34	,	,	PUNCT
cjfa-21483	140	35	through	through	ADP
cjfa-21483	140	36	analogs	analog	NOUN
cjfa-21483	140	37	and	and	CCONJ
cjfa-21483	140	38	benchmarks	benchmark	NOUN
cjfa-21483	140	39	such	such	ADJ
cjfa-21483	140	40	as	as	ADP
cjfa-21483	140	41	revenue	revenue	NOUN
cjfa-21483	140	42	and	and	CCONJ
cjfa-21483	140	43	expense	expense	NOUN
cjfa-21483	140	44	ratios	ratio	NOUN
cjfa-21483	140	45	(	(	PUNCT
cjfa-21483	140	46	uyemura	uyemura	ADJ
cjfa-21483	140	47	&	&	CCONJ
cjfa-21483	140	48	van	van	PROPN
cjfa-21483	140	49	deventer	deventer	PROPN
cjfa-21483	140	50	,	,	PUNCT
cjfa-21483	140	51	1992	1992	NUM
cjfa-21483	140	52	,	,	PUNCT
cjfa-21483	140	53	netter	netter	PROPN
cjfa-21483	140	54	&	&	CCONJ
cjfa-21483	140	55	poulson	poulson	PROPN
cjfa-21483	140	56	,	,	PUNCT
cjfa-21483	140	57	2003	2003	NUM
cjfa-21483	140	58	;	;	PUNCT
cjfa-21483	140	59	valipour	valipour	NOUN
cjfa-21483	140	60	&	&	CCONJ
cjfa-21483	140	61	vahed	vahe	VERB
cjfa-21483	140	62	,	,	PUNCT
cjfa-21483	140	63	2017	2017	NUM
cjfa-21483	140	64	)	)	PUNCT
cjfa-21483	140	65	.	.	PUNCT
cjfa-21483	141	1	basel	basel	PROPN
cjfa-21483	141	2	ii	ii	PROPN
cjfa-21483	141	3	has	have	AUX
cjfa-21483	141	4	catalyzed	catalyze	VERB
cjfa-21483	141	5	a	a	DET
cjfa-21483	141	6	major	major	ADJ
cjfa-21483	141	7	industry	industry	NOUN
cjfa-21483	141	8	effort	effort	NOUN
cjfa-21483	141	9	to	to	PART
cjfa-21483	141	10	model	model	VERB
cjfa-21483	141	11	and	and	CCONJ
cjfa-21483	141	12	measure	measure	VERB
cjfa-21483	141	13	operational	operational	ADJ
cjfa-21483	141	14	risks	risk	NOUN
cjfa-21483	141	15	.	.	PUNCT
cjfa-21483	142	1	the	the	DET
cjfa-21483	142	2	challenge	challenge	NOUN
cjfa-21483	142	3	in	in	ADP
cjfa-21483	142	4	operational	operational	ADJ
cjfa-21483	142	5	risk	risk	NOUN
cjfa-21483	142	6	measurement	measurement	NOUN
cjfa-21483	142	7	,	,	PUNCT
cjfa-21483	142	8	however	however	ADV
cjfa-21483	142	9	,	,	PUNCT
cjfa-21483	142	10	is	be	AUX
cjfa-21483	142	11	that	that	SCONJ
cjfa-21483	142	12	operational	operational	ADJ
cjfa-21483	142	13	losses	loss	NOUN
cjfa-21483	142	14	appear	appear	VERB
cjfa-21483	142	15	to	to	PART
cjfa-21483	142	16	be	be	AUX
cjfa-21483	142	17	extremely	extremely	ADV
cjfa-21483	142	18	fat	fat	ADJ
cjfa-21483	142	19	-	-	PUNCT
cjfa-21483	142	20	tailed	tailed	ADJ
cjfa-21483	142	21	(	(	PUNCT
cjfa-21483	142	22	de	de	X
cjfa-21483	142	23	fontnouvelle	fontnouvelle	PROPN
cjfa-21483	142	24	,	,	PUNCT
cjfa-21483	142	25	jordan	jordan	PROPN
cjfa-21483	142	26	&	&	CCONJ
cjfa-21483	142	27	rosengren	rosengren	PROPN
cjfa-21483	142	28	,	,	PUNCT
cjfa-21483	142	29	2006	2006	NUM
cjfa-21483	142	30	;	;	PUNCT
cjfa-21483	142	31	rosenberg	rosenberg	PROPN
cjfa-21483	142	32	&	&	CCONJ
cjfa-21483	142	33	schuermann	schuermann	PROPN
cjfa-21483	142	34	,	,	PUNCT
cjfa-21483	142	35	2006	2006	NUM
cjfa-21483	142	36	;	;	PUNCT
cjfa-21483	142	37	peršić	peršić	NOUN
cjfa-21483	142	38	,	,	PUNCT
cjfa-21483	142	39	janković	janković	NOUN
cjfa-21483	142	40	&	&	CCONJ
cjfa-21483	142	41	krivačić	krivačić	PROPN
cjfa-21483	142	42	,	,	PUNCT
cjfa-21483	142	43	2017	2017	NUM
cjfa-21483	142	44	)	)	PUNCT
cjfa-21483	142	45	.	.	PUNCT
cjfa-21483	143	1	the	the	DET
cjfa-21483	143	2	losses	loss	NOUN
cjfa-21483	143	3	that	that	PRON
cjfa-21483	143	4	are	be	AUX
cjfa-21483	143	5	most	most	ADV
cjfa-21483	143	6	relevant	relevant	ADJ
cjfa-21483	143	7	for	for	ADP
cjfa-21483	143	8	measuring	measure	VERB
cjfa-21483	143	9	economic	economic	ADJ
cjfa-21483	143	10	syed	syed	ADJ
cjfa-21483	143	11	alamdar	alamdar	PROPN
cjfa-21483	143	12	ali	ali	PROPN
cjfa-21483	143	13	shah60	shah60	PROPN
cjfa-21483	143	14	capital	capital	PROPN
cjfa-21483	143	15	are	be	AUX
cjfa-21483	143	16	,	,	PUNCT
cjfa-21483	143	17	by	by	ADP
cjfa-21483	143	18	definition	definition	NOUN
cjfa-21483	143	19	,	,	PUNCT
cjfa-21483	143	20	low	low	ADJ
cjfa-21483	143	21	frequency	frequency	NOUN
cjfa-21483	143	22	,	,	PUNCT
cjfa-21483	143	23	high	high	ADJ
cjfa-21483	143	24	severity	severity	NOUN
cjfa-21483	143	25	events	event	NOUN
cjfa-21483	143	26	that	that	PRON
cjfa-21483	143	27	are	be	AUX
cjfa-21483	143	28	difficult	difficult	ADJ
cjfa-21483	143	29	to	to	PART
cjfa-21483	143	30	observe	observe	VERB
cjfa-21483	143	31	within	within	ADP
cjfa-21483	143	32	any	any	DET
cjfa-21483	143	33	one	one	NUM
cjfa-21483	143	34	firm	firm	NOUN
cjfa-21483	143	35	.	.	PUNCT
cjfa-21483	144	1	according	accord	VERB
cjfa-21483	144	2	to	to	ADP
cjfa-21483	144	3	one	one	NUM
cjfa-21483	144	4	of	of	ADP
cjfa-21483	144	5	our	our	PRON
cjfa-21483	144	6	participant	participant	NOUN
cjfa-21483	144	7	mr	mr	PROPN
cjfa-21483	144	8	.	.	PROPN
cjfa-21483	144	9	g	g	PROPN
cjfa-21483	144	10	:	:	PUNCT
cjfa-21483	144	11	“	"	PUNCT
cjfa-21483	144	12	consistent	consistent	ADJ
cjfa-21483	144	13	with	with	ADP
cjfa-21483	144	14	the	the	DET
cjfa-21483	144	15	immature	immature	ADJ
cjfa-21483	144	16	state	state	NOUN
cjfa-21483	144	17	of	of	ADP
cjfa-21483	144	18	operational	operational	ADJ
cjfa-21483	144	19	risk	risk	NOUN
cjfa-21483	144	20	measurement	measurement	NOUN
cjfa-21483	144	21	,	,	PUNCT
cjfa-21483	144	22	the	the	DET
cjfa-21483	144	23	world	world	NOUN
cjfa-21483	144	24	of	of	ADP
cjfa-21483	144	25	the	the	DET
cjfa-21483	144	26	unknown	unknown	NOUN
cjfa-21483	144	27	in	in	ADP
cjfa-21483	144	28	operational	operational	ADJ
cjfa-21483	144	29	risk	risk	NOUN
cjfa-21483	144	30	is	be	AUX
cjfa-21483	144	31	commensurately	commensurately	ADV
cjfa-21483	144	32	larger	large	ADJ
cjfa-21483	144	33	than	than	ADP
cjfa-21483	144	34	for	for	ADP
cjfa-21483	144	35	market	market	NOUN
cjfa-21483	144	36	,	,	PUNCT
cjfa-21483	144	37	credit	credit	NOUN
cjfa-21483	144	38	,	,	PUNCT
cjfa-21483	144	39	or	or	CCONJ
cjfa-21483	144	40	a	a	DET
cjfa-21483	144	41	/	/	SYM
cjfa-21483	144	42	l	l	NOUN
cjfa-21483	144	43	risks	risk	NOUN
cjfa-21483	144	44	.	.	PUNCT
cjfa-21483	145	1	arguably	arguably	ADV
cjfa-21483	145	2	,	,	PUNCT
cjfa-21483	145	3	operational	operational	ADJ
cjfa-21483	145	4	risk	risk	NOUN
cjfa-21483	145	5	contains	contain	VERB
cjfa-21483	145	6	risks	risk	NOUN
cjfa-21483	145	7	that	that	PRON
cjfa-21483	145	8	are	be	AUX
cjfa-21483	145	9	recognized	recognize	VERB
cjfa-21483	145	10	today	today	NOUN
cjfa-21483	145	11	that	that	PRON
cjfa-21483	145	12	were	be	AUX
cjfa-21483	145	13	previously	previously	ADV
cjfa-21483	145	14	unknowable	unknowable	ADJ
cjfa-21483	145	15	.	.	PUNCT
cjfa-21483	146	1	an	an	DET
cjfa-21483	146	2	example	example	NOUN
cjfa-21483	146	3	was	be	AUX
cjfa-21483	146	4	the	the	DET
cjfa-21483	146	5	world	world	NOUN
cjfa-21483	146	6	trade	trade	NOUN
cjfa-21483	146	7	center	center	NOUN
cjfa-21483	146	8	attack	attack	NOUN
cjfa-21483	146	9	on	on	ADP
cjfa-21483	146	10	9/11/2001	9/11/2001	NUM
cjfa-21483	146	11	,	,	PUNCT
cjfa-21483	146	12	the	the	DET
cjfa-21483	146	13	direct	direct	ADJ
cjfa-21483	146	14	consequences	consequence	NOUN
cjfa-21483	146	15	of	of	ADP
cjfa-21483	146	16	which	which	PRON
cjfa-21483	146	17	are	be	AUX
cjfa-21483	146	18	an	an	DET
cjfa-21483	146	19	“	"	PUNCT
cjfa-21483	146	20	external	external	ADJ
cjfa-21483	146	21	event	event	NOUN
cjfa-21483	146	22	”	"	PUNCT
cjfa-21483	146	23	included	include	VERB
cjfa-21483	146	24	within	within	ADP
cjfa-21483	146	25	the	the	DET
cjfa-21483	146	26	basel	basel	PROPN
cjfa-21483	146	27	ii	ii	PROPN
cjfa-21483	146	28	definition	definition	NOUN
cjfa-21483	146	29	of	of	ADP
cjfa-21483	146	30	operational	operational	ADJ
cjfa-21483	146	31	loss	loss	NOUN
cjfa-21483	146	32	.	.	PUNCT
cjfa-21483	146	33	”	"	PUNCT
cjfa-21483	147	1	similarly	similarly	ADV
cjfa-21483	147	2	kuritzkes	kuritzke	NOUN
cjfa-21483	147	3	and	and	CCONJ
cjfa-21483	147	4	scott	scott	PROPN
cjfa-21483	147	5	(	(	PUNCT
cjfa-21483	147	6	2005	2005	NUM
cjfa-21483	147	7	)	)	PUNCT
cjfa-21483	147	8	note	note	VERB
cjfa-21483	147	9	the	the	DET
cjfa-21483	147	10	general	general	ADJ
cjfa-21483	147	11	category	category	NOUN
cjfa-21483	147	12	of	of	ADP
cjfa-21483	147	13	legal	legal	ADJ
cjfa-21483	147	14	risk	risk	NOUN
cjfa-21483	147	15	as	as	ADP
cjfa-21483	147	16	being	be	AUX
cjfa-21483	147	17	subject	subject	ADJ
cjfa-21483	147	18	to	to	ADP
cjfa-21483	147	19	ex	ex	ADJ
cjfa-21483	147	20	post	post	ADJ
cjfa-21483	147	21	judicial	judicial	ADJ
cjfa-21483	147	22	and	and	CCONJ
cjfa-21483	147	23	regulatory	regulatory	ADJ
cjfa-21483	147	24	interpretations	interpretation	NOUN
cjfa-21483	147	25	,	,	PUNCT
cjfa-21483	147	26	some	some	PRON
cjfa-21483	147	27	of	of	ADP
cjfa-21483	147	28	which	which	PRON
cjfa-21483	147	29	may	may	AUX
cjfa-21483	147	30	not	not	PART
cjfa-21483	147	31	be	be	AUX
cjfa-21483	147	32	foreseeable	foreseeable	ADJ
cjfa-21483	147	33	ex	ex	PRON
cjfa-21483	147	34	ante	ante	NOUN
cjfa-21483	147	35	.	.	PUNCT
cjfa-21483	148	1	examples	example	NOUN
cjfa-21483	148	2	of	of	ADP
cjfa-21483	148	3	such	such	ADJ
cjfa-21483	148	4	risks	risk	NOUN
cjfa-21483	148	5	could	could	AUX
cjfa-21483	148	6	include	include	VERB
cjfa-21483	148	7	the	the	DET
cjfa-21483	148	8	vulnerability	vulnerability	NOUN
cjfa-21483	148	9	of	of	ADP
cjfa-21483	148	10	swiss	swiss	ADJ
cjfa-21483	148	11	banks	bank	NOUN
cjfa-21483	148	12	to	to	AUX
cjfa-21483	148	13	holocaust	holocaust	PROPN
cjfa-21483	148	14	claims	claim	NOUN
cjfa-21483	148	15	in	in	ADP
cjfa-21483	148	16	the	the	DET
cjfa-21483	148	17	mid-1990s	mid-1990	NOUN
cjfa-21483	148	18	,	,	PUNCT
cjfa-21483	148	19	four	four	NUM
cjfa-21483	148	20	or	or	CCONJ
cjfa-21483	148	21	five	five	NUM
cjfa-21483	148	22	decades	decade	NOUN
cjfa-21483	148	23	after	after	SCONJ
cjfa-21483	148	24	the	the	DET
cjfa-21483	148	25	accounts	account	NOUN
cjfa-21483	148	26	of	of	ADP
cjfa-21483	148	27	holocaust	holocaust	NOUN
cjfa-21483	148	28	victims	victim	NOUN
cjfa-21483	148	29	were	be	AUX
cjfa-21483	148	30	mishandled	mishandle	VERB
cjfa-21483	148	31	,	,	PUNCT
cjfa-21483	148	32	as	as	ADV
cjfa-21483	148	33	well	well	ADV
cjfa-21483	148	34	as	as	ADP
cjfa-21483	148	35	more	more	ADV
cjfa-21483	148	36	recent	recent	ADJ
cjfa-21483	148	37	rulings	ruling	NOUN
cjfa-21483	148	38	and	and	CCONJ
cjfa-21483	148	39	regulatory	regulatory	ADJ
cjfa-21483	148	40	decisions	decision	NOUN
cjfa-21483	148	41	in	in	ADP
cjfa-21483	148	42	the	the	DET
cjfa-21483	148	43	aftermath	aftermath	NOUN
cjfa-21483	148	44	of	of	ADP
cjfa-21483	148	45	the	the	DET
cjfa-21483	148	46	enron	enron	PROPN
cjfa-21483	148	47	and	and	CCONJ
cjfa-21483	148	48	worldcom	worldcom	PROPN
cjfa-21483	148	49	scandals	scandal	NOUN
cjfa-21483	148	50	holding	hold	VERB
cjfa-21483	148	51	banks	bank	NOUN
cjfa-21483	148	52	to	to	PART
cjfa-21483	148	53	be	be	AUX
cjfa-21483	148	54	vicariously	vicariously	ADV
cjfa-21483	148	55	liable	liable	ADJ
cjfa-21483	148	56	for	for	ADP
cjfa-21483	148	57	customer	customer	NOUN
cjfa-21483	148	58	fraud	fraud	NOUN
cjfa-21483	148	59	.	.	PUNCT
cjfa-21483	149	1	valipour	valipour	ADJ
cjfa-21483	149	2	and	and	CCONJ
cjfa-21483	149	3	vahed	vahe	VERB
cjfa-21483	149	4	(	(	PUNCT
cjfa-21483	149	5	2017	2017	NUM
cjfa-21483	149	6	)	)	PUNCT
cjfa-21483	149	7	show	show	VERB
cjfa-21483	149	8	how	how	SCONJ
cjfa-21483	149	9	this	this	DET
cjfa-21483	149	10	type	type	NOUN
cjfa-21483	149	11	of	of	ADP
cjfa-21483	149	12	ex	ex	NOUN
cjfa-21483	149	13	ante	ante	NOUN
cjfa-21483	149	14	legal	legal	ADJ
cjfa-21483	149	15	risk	risk	NOUN
cjfa-21483	149	16	influences	influence	VERB
cjfa-21483	149	17	management	management	NOUN
cjfa-21483	149	18	behavior	behavior	NOUN
cjfa-21483	149	19	and	and	CCONJ
cjfa-21483	149	20	earnings	earning	NOUN
cjfa-21483	149	21	forecasts	forecast	NOUN
cjfa-21483	149	22	.	.	PUNCT
cjfa-21483	150	1	business	business	NOUN
cjfa-21483	150	2	risk	risk	NOUN
cjfa-21483	150	3	discussing	discuss	VERB
cjfa-21483	150	4	about	about	ADP
cjfa-21483	150	5	business	business	NOUN
cjfa-21483	150	6	risks	risk	NOUN
cjfa-21483	150	7	from	from	ADP
cjfa-21483	150	8	the	the	DET
cjfa-21483	150	9	category	category	NOUN
cjfa-21483	150	10	of	of	ADP
cjfa-21483	150	11	non	non	ADJ
cjfa-21483	150	12	-	-	ADJ
cjfa-21483	150	13	financial	financial	ADJ
cjfa-21483	150	14	risks	risk	NOUN
cjfa-21483	150	15	the	the	DET
cjfa-21483	150	16	risk	risk	NOUN
cjfa-21483	150	17	professionals	professional	NOUN
cjfa-21483	150	18	were	be	AUX
cjfa-21483	150	19	of	of	ADP
cjfa-21483	150	20	the	the	DET
cjfa-21483	150	21	view	view	NOUN
cjfa-21483	150	22	that	that	SCONJ
cjfa-21483	150	23	business	business	NOUN
cjfa-21483	150	24	risk	risk	NOUN
cjfa-21483	150	25	is	be	AUX
cjfa-21483	150	26	the	the	DET
cjfa-21483	150	27	last	last	ADJ
cjfa-21483	150	28	frontier	frontier	NOUN
cjfa-21483	150	29	of	of	ADP
cjfa-21483	150	30	risk	risk	NOUN
cjfa-21483	150	31	classification	classification	NOUN
cjfa-21483	150	32	and	and	CCONJ
cjfa-21483	150	33	measurement	measurement	NOUN
cjfa-21483	150	34	.	.	PUNCT
cjfa-21483	151	1	as	as	ADP
cjfa-21483	151	2	with	with	ADP
cjfa-21483	151	3	operational	operational	ADJ
cjfa-21483	151	4	risk	risk	NOUN
cjfa-21483	151	5	before	before	ADP
cjfa-21483	151	6	basel	basel	PROPN
cjfa-21483	151	7	ii	ii	PROPN
cjfa-21483	151	8	,	,	PUNCT
cjfa-21483	151	9	there	there	PRON
cjfa-21483	151	10	is	be	VERB
cjfa-21483	151	11	no	no	DET
cjfa-21483	151	12	standard	standard	ADJ
cjfa-21483	151	13	definition	definition	NOUN
cjfa-21483	151	14	of	of	ADP
cjfa-21483	151	15	business	business	NOUN
cjfa-21483	151	16	risk	risk	NOUN
cjfa-21483	151	17	,	,	PUNCT
cjfa-21483	151	18	which	which	PRON
cjfa-21483	151	19	is	be	AUX
cjfa-21483	151	20	sometimes	sometimes	ADV
cjfa-21483	151	21	also	also	ADV
cjfa-21483	151	22	referred	refer	VERB
cjfa-21483	151	23	to	to	ADP
cjfa-21483	151	24	as	as	ADP
cjfa-21483	151	25	strategic	strategic	ADJ
cjfa-21483	151	26	”	"	PUNCT
cjfa-21483	151	27	risk	risk	NOUN
cjfa-21483	151	28	(	(	PUNCT
cjfa-21483	151	29	slywotzky	slywotzky	PROPN
cjfa-21483	151	30	&	&	CCONJ
cjfa-21483	151	31	drzik	drzik	PROPN
cjfa-21483	151	32	,	,	PUNCT
cjfa-21483	151	33	2005	2005	NUM
cjfa-21483	151	34	;	;	PUNCT
cjfa-21483	151	35	rusanov	rusanov	PROPN
cjfa-21483	151	36	,	,	PUNCT
cjfa-21483	151	37	natocheeva	natocheeva	PROPN
cjfa-21483	151	38	,	,	PUNCT
cjfa-21483	151	39	belyanchikova	belyanchikova	PROPN
cjfa-21483	151	40	&	&	CCONJ
cjfa-21483	151	41	bektenova	bektenova	PROPN
cjfa-21483	151	42	,	,	PUNCT
cjfa-21483	151	43	2017	2017	NUM
cjfa-21483	151	44	)	)	PUNCT
cjfa-21483	151	45	.	.	PUNCT
cjfa-21483	152	1	within	within	ADP
cjfa-21483	152	2	the	the	DET
cjfa-21483	152	3	taxonomy	taxonomy	NOUN
cjfa-21483	152	4	above	above	ADP
cjfa-21483	152	5	,	,	PUNCT
cjfa-21483	152	6	business	business	NOUN
cjfa-21483	152	7	risk	risk	NOUN
cjfa-21483	152	8	is	be	AUX
cjfa-21483	152	9	best	well	ADV
cjfa-21483	152	10	understood	understand	VERB
cjfa-21483	152	11	by	by	ADP
cjfa-21483	152	12	reference	reference	NOUN
cjfa-21483	152	13	to	to	ADP
cjfa-21483	152	14	what	what	PRON
cjfa-21483	152	15	it	it	PRON
cjfa-21483	152	16	is	be	AUX
cjfa-21483	152	17	not	not	PART
cjfa-21483	152	18	:	:	PUNCT
cjfa-21483	152	19	it	it	PRON
cjfa-21483	152	20	is	be	AUX
cjfa-21483	152	21	residual	residual	ADJ
cjfa-21483	152	22	earnings	earning	NOUN
cjfa-21483	152	23	volatility	volatility	NOUN
cjfa-21483	152	24	that	that	PRON
cjfa-21483	152	25	is	be	AUX
cjfa-21483	152	26	not	not	PART
cjfa-21483	152	27	caused	cause	VERB
cjfa-21483	152	28	by	by	ADP
cjfa-21483	152	29	any	any	PRON
cjfa-21483	152	30	of	of	ADP
cjfa-21483	152	31	the	the	DET
cjfa-21483	152	32	other	other	ADJ
cjfa-21483	152	33	defined	define	VERB
cjfa-21483	152	34	categories	category	NOUN
cjfa-21483	152	35	,	,	PUNCT
cjfa-21483	152	36	including	include	VERB
cjfa-21483	152	37	market	market	NOUN
cjfa-21483	152	38	,	,	PUNCT
cjfa-21483	152	39	credit	credit	NOUN
cjfa-21483	152	40	,	,	PUNCT
cjfa-21483	152	41	a	a	DET
cjfa-21483	152	42	/	/	SYM
cjfa-21483	152	43	l	l	NOUN
cjfa-21483	152	44	,	,	PUNCT
cjfa-21483	152	45	or	or	CCONJ
cjfa-21483	152	46	operational	operational	ADJ
cjfa-21483	152	47	risks	risk	NOUN
cjfa-21483	152	48	.	.	PUNCT
cjfa-21483	153	1	according	accord	VERB
cjfa-21483	153	2	to	to	ADP
cjfa-21483	153	3	one	one	NUM
cjfa-21483	153	4	of	of	ADP
cjfa-21483	153	5	our	our	PRON
cjfa-21483	153	6	risk	risk	NOUN
cjfa-21483	153	7	professional	professional	ADJ
cjfa-21483	153	8	mr	mr	PROPN
cjfa-21483	153	9	.	.	PROPN
cjfa-21483	153	10	m	m	PROPN
cjfa-21483	153	11	:	:	PUNCT
cjfa-21483	153	12	“	"	PUNCT
cjfa-21483	153	13	many	many	ADJ
cjfa-21483	153	14	banks	bank	NOUN
cjfa-21483	153	15	do	do	AUX
cjfa-21483	153	16	not	not	PART
cjfa-21483	153	17	include	include	VERB
cjfa-21483	153	18	an	an	DET
cjfa-21483	153	19	explicit	explicit	ADJ
cjfa-21483	153	20	measure	measure	NOUN
cjfa-21483	153	21	of	of	ADP
cjfa-21483	153	22	business	business	NOUN
cjfa-21483	153	23	risk	risk	NOUN
cjfa-21483	153	24	within	within	ADP
cjfa-21483	153	25	their	their	PRON
cjfa-21483	153	26	economic	economic	ADJ
cjfa-21483	153	27	capital	capital	NOUN
cjfa-21483	153	28	frameworks	framework	NOUN
cjfa-21483	153	29	.	.	PUNCT
cjfa-21483	154	1	for	for	ADP
cjfa-21483	154	2	those	those	DET
cjfa-21483	154	3	banks	bank	NOUN
cjfa-21483	154	4	that	that	PRON
cjfa-21483	154	5	do	do	VERB
cjfa-21483	154	6	,	,	PUNCT
cjfa-21483	154	7	business	business	NOUN
cjfa-21483	154	8	risk	risk	NOUN
cjfa-21483	154	9	is	be	AUX
cjfa-21483	154	10	measured	measure	VERB
cjfa-21483	154	11	through	through	ADP
cjfa-21483	154	12	one	one	NUM
cjfa-21483	154	13	of	of	ADP
cjfa-21483	154	14	a	a	DET
cjfa-21483	154	15	few	few	ADJ
cjfa-21483	154	16	alternative	alternative	ADJ
cjfa-21483	154	17	approaches	approach	NOUN
cjfa-21483	154	18	:	:	PUNCT
cjfa-21483	154	19	the	the	DET
cjfa-21483	154	20	simplest	simple	ADJ
cjfa-21483	154	21	approach	approach	NOUN
cjfa-21483	154	22	is	be	AUX
cjfa-21483	154	23	to	to	PART
cjfa-21483	154	24	infer	infer	VERB
cjfa-21483	154	25	business	business	NOUN
cjfa-21483	154	26	risk	risk	NOUN
cjfa-21483	154	27	capital	capital	NOUN
cjfa-21483	154	28	requirements	requirement	NOUN
cjfa-21483	154	29	from	from	ADP
cjfa-21483	154	30	the	the	DET
cjfa-21483	154	31	capitalization	capitalization	NOUN
cjfa-21483	154	32	levels	level	NOUN
cjfa-21483	154	33	of	of	ADP
cjfa-21483	154	34	non	non	ADJ
cjfa-21483	154	35	-	-	ADJ
cjfa-21483	154	36	financial	financial	ADJ
cjfa-21483	154	37	firms	firm	NOUN
cjfa-21483	154	38	that	that	PRON
cjfa-21483	154	39	are	be	AUX
cjfa-21483	154	40	engaged	engage	VERB
cjfa-21483	154	41	in	in	ADP
cjfa-21483	154	42	similar	similar	ADJ
cjfa-21483	154	43	activities	activity	NOUN
cjfa-21483	154	44	(	(	PUNCT
cjfa-21483	154	45	e.g.	e.g.	ADV
cjfa-21483	154	46	processing	processing	NOUN
cjfa-21483	154	47	,	,	PUNCT
cjfa-21483	154	48	consulting	consulting	NOUN
cjfa-21483	154	49	,	,	PUNCT
cjfa-21483	154	50	it	it	PRON
cjfa-21483	154	51	services	service	NOUN
cjfa-21483	154	52	)	)	PUNCT
cjfa-21483	154	53	.	.	PUNCT
cjfa-21483	155	1	another	another	DET
cjfa-21483	155	2	approach	approach	NOUN
cjfa-21483	155	3	is	be	AUX
cjfa-21483	155	4	to	to	PART
cjfa-21483	155	5	strip	strip	VERB
cjfa-21483	155	6	out	out	ADP
cjfa-21483	155	7	financial	financial	ADJ
cjfa-21483	155	8	and	and	CCONJ
cjfa-21483	155	9	operational	operational	ADJ
cjfa-21483	155	10	risks	risk	NOUN
cjfa-21483	155	11	integration	integration	NOUN
cjfa-21483	155	12	of	of	ADP
cjfa-21483	155	13	financial	financial	ADJ
cjfa-21483	155	14	risks	risk	NOUN
cjfa-21483	155	15	with	with	ADP
cjfa-21483	155	16	non	non	ADJ
cjfa-21483	155	17	-	-	ADJ
cjfa-21483	155	18	financial	financial	ADJ
cjfa-21483	155	19	risks	risk	NOUN
cjfa-21483	155	20	…	…	PUNCT
cjfa-21483	155	21	61	61	NUM
cjfa-21483	155	22	from	from	ADP
cjfa-21483	155	23	publicly	publicly	ADV
cjfa-21483	155	24	-	-	PUNCT
cjfa-21483	155	25	reported	report	VERB
cjfa-21483	155	26	data	datum	NOUN
cjfa-21483	155	27	on	on	ADP
cjfa-21483	155	28	bank	bank	NOUN
cjfa-21483	155	29	earnings	earning	NOUN
cjfa-21483	155	30	and	and	CCONJ
cjfa-21483	155	31	construct	construct	VERB
cjfa-21483	155	32	a	a	DET
cjfa-21483	155	33	proxy	proxy	NOUN
cjfa-21483	155	34	measure	measure	NOUN
cjfa-21483	155	35	of	of	ADP
cjfa-21483	155	36	business	business	NOUN
cjfa-21483	155	37	risk	risk	NOUN
cjfa-21483	155	38	volatility	volatility	NOUN
cjfa-21483	155	39	for	for	ADP
cjfa-21483	155	40	a	a	DET
cjfa-21483	155	41	sample	sample	NOUN
cjfa-21483	155	42	of	of	ADP
cjfa-21483	155	43	peer	peer	NOUN
cjfa-21483	155	44	banks	bank	NOUN
cjfa-21483	155	45	.	.	PUNCT
cjfa-21483	156	1	a	a	DET
cjfa-21483	156	2	third	third	ADJ
cjfa-21483	156	3	approach	approach	NOUN
cjfa-21483	156	4	is	be	AUX
cjfa-21483	156	5	to	to	PART
cjfa-21483	156	6	develop	develop	VERB
cjfa-21483	156	7	an	an	DET
cjfa-21483	156	8	explicit	explicit	ADJ
cjfa-21483	156	9	model	model	NOUN
cjfa-21483	156	10	of	of	ADP
cjfa-21483	156	11	residual	residual	ADJ
cjfa-21483	156	12	revenue	revenue	NOUN
cjfa-21483	156	13	volatility	volatility	NOUN
cjfa-21483	156	14	and	and	CCONJ
cjfa-21483	156	15	cost	cost	NOUN
cjfa-21483	156	16	rigidity	rigidity	NOUN
cjfa-21483	156	17	at	at	ADP
cjfa-21483	156	18	the	the	DET
cjfa-21483	156	19	business	business	NOUN
cjfa-21483	156	20	line	line	NOUN
cjfa-21483	156	21	level	level	NOUN
cjfa-21483	156	22	.	.	PUNCT
cjfa-21483	156	23	”	"	PUNCT
cjfa-21483	157	1	in	in	ADP
cjfa-21483	157	2	terms	term	NOUN
cjfa-21483	157	3	of	of	ADP
cjfa-21483	157	4	granularity	granularity	NOUN
cjfa-21483	157	5	,	,	PUNCT
cjfa-21483	157	6	business	business	NOUN
cjfa-21483	157	7	risk	risk	NOUN
cjfa-21483	157	8	is	be	AUX
cjfa-21483	157	9	easiest	easy	ADJ
cjfa-21483	157	10	to	to	PART
cjfa-21483	157	11	observe	observe	VERB
cjfa-21483	157	12	at	at	ADP
cjfa-21483	157	13	the	the	DET
cjfa-21483	157	14	bankwide	bankwide	NOUN
cjfa-21483	157	15	level	level	NOUN
cjfa-21483	157	16	.	.	PUNCT
cjfa-21483	158	1	of	of	ADP
cjfa-21483	158	2	all	all	DET
cjfa-21483	158	3	the	the	DET
cjfa-21483	158	4	risk	risk	NOUN
cjfa-21483	158	5	types	type	NOUN
cjfa-21483	158	6	,	,	PUNCT
cjfa-21483	158	7	it	it	PRON
cjfa-21483	158	8	is	be	AUX
cjfa-21483	158	9	the	the	DET
cjfa-21483	158	10	one	one	NOUN
cjfa-21483	158	11	we	we	PRON
cjfa-21483	158	12	are	be	AUX
cjfa-21483	158	13	the	the	DET
cjfa-21483	158	14	least	least	ADJ
cjfa-21483	158	15	able	able	ADJ
cjfa-21483	158	16	to	to	PART
cjfa-21483	158	17	break	break	VERB
cjfa-21483	158	18	down	down	ADP
cjfa-21483	158	19	to	to	ADP
cjfa-21483	158	20	lower	low	ADJ
cjfa-21483	158	21	levels	level	NOUN
cjfa-21483	158	22	of	of	ADP
cjfa-21483	158	23	aggregation	aggregation	NOUN
cjfa-21483	158	24	.	.	PUNCT
cjfa-21483	159	1	this	this	PRON
cjfa-21483	159	2	is	be	AUX
cjfa-21483	159	3	not	not	PART
cjfa-21483	159	4	to	to	PART
cjfa-21483	159	5	say	say	VERB
cjfa-21483	159	6	that	that	SCONJ
cjfa-21483	159	7	business	business	NOUN
cjfa-21483	159	8	risk	risk	NOUN
cjfa-21483	159	9	is	be	AUX
cjfa-21483	159	10	not	not	PART
cjfa-21483	159	11	“	"	PUNCT
cjfa-21483	159	12	managed	manage	VERB
cjfa-21483	159	13	”	"	PUNCT
cjfa-21483	159	14	but	but	CCONJ
cjfa-21483	159	15	simply	simply	ADV
cjfa-21483	159	16	that	that	SCONJ
cjfa-21483	159	17	it	it	PRON
cjfa-21483	159	18	is	be	AUX
cjfa-21483	159	19	hard	hard	ADJ
cjfa-21483	159	20	to	to	PART
cjfa-21483	159	21	manage	manage	VERB
cjfa-21483	159	22	in	in	ADP
cjfa-21483	159	23	a	a	DET
cjfa-21483	159	24	granular	granular	ADJ
cjfa-21483	159	25	fashion	fashion	NOUN
cjfa-21483	159	26	.	.	PUNCT
cjfa-21483	160	1	banks	bank	NOUN
cjfa-21483	160	2	,	,	PUNCT
cjfa-21483	160	3	like	like	ADP
cjfa-21483	160	4	the	the	DET
cjfa-21483	160	5	basel	basel	PROPN
cjfa-21483	160	6	ii	ii	PROPN
cjfa-21483	160	7	regulators	regulator	NOUN
cjfa-21483	160	8	,	,	PUNCT
cjfa-21483	160	9	have	have	AUX
cjfa-21483	160	10	tended	tend	VERB
cjfa-21483	160	11	to	to	PART
cjfa-21483	160	12	ignore	ignore	VERB
cjfa-21483	160	13	the	the	DET
cjfa-21483	160	14	impact	impact	NOUN
cjfa-21483	160	15	of	of	ADP
cjfa-21483	160	16	business	business	NOUN
cjfa-21483	160	17	risk	risk	NOUN
cjfa-21483	160	18	,	,	PUNCT
cjfa-21483	160	19	or	or	CCONJ
cjfa-21483	160	20	seem	seem	VERB
cjfa-21483	160	21	to	to	PART
cjfa-21483	160	22	think	think	VERB
cjfa-21483	160	23	of	of	ADP
cjfa-21483	160	24	it	it	PRON
cjfa-21483	160	25	as	as	ADP
cjfa-21483	160	26	indistinguishable	indistinguishable	ADJ
cjfa-21483	160	27	from	from	ADP
cjfa-21483	160	28	“	"	PUNCT
cjfa-21483	160	29	strategy	strategy	NOUN
cjfa-21483	160	30	.	.	PUNCT
cjfa-21483	160	31	”	"	PUNCT
cjfa-21483	160	32	 	 	SPACE
cjfa-21483	160	33	conclusion	conclusion	NOUN
cjfa-21483	160	34	referring	refer	VERB
cjfa-21483	160	35	to	to	ADP
cjfa-21483	160	36	the	the	DET
cjfa-21483	160	37	discussion	discussion	NOUN
cjfa-21483	160	38	above	above	ADP
cjfa-21483	160	39	our	our	PRON
cjfa-21483	160	40	positioning	positioning	NOUN
cjfa-21483	160	41	of	of	ADP
cjfa-21483	160	42	bank	bank	NOUN
cjfa-21483	160	43	risks	risk	NOUN
cjfa-21483	160	44	in	in	ADP
cjfa-21483	160	45	the	the	PRON
cjfa-21483	160	46	a	a	NOUN
cjfa-21483	160	47	,	,	PUNCT
cjfa-21483	160	48	b	b	NOUN
cjfa-21483	160	49	,	,	PUNCT
cjfa-21483	160	50	c	c	NOUN
cjfa-21483	160	51	space	space	NOUN
cjfa-21483	160	52	can	can	AUX
cjfa-21483	160	53	be	be	AUX
cjfa-21483	160	54	summarized	summarize	VERB
cjfa-21483	160	55	in	in	ADP
cjfa-21483	160	56	a	a	DET
cjfa-21483	160	57	few	few	ADJ
cjfa-21483	160	58	propositions	proposition	NOUN
cjfa-21483	160	59	.	.	PUNCT
cjfa-21483	161	1	our	our	PRON
cjfa-21483	161	2	knowledge	knowledge	NOUN
cjfa-21483	161	3	of	of	ADP
cjfa-21483	161	4	bank	bank	NOUN
cjfa-21483	161	5	risk	risk	NOUN
cjfa-21483	161	6	increases	increase	NOUN
cjfa-21483	161	7	as	as	ADP
cjfa-21483	161	8	our	our	PRON
cjfa-21483	161	9	ability	ability	NOUN
cjfa-21483	161	10	to	to	PART
cjfa-21483	161	11	quantify	quantify	VERB
cjfa-21483	161	12	risk	risk	NOUN
cjfa-21483	161	13	increases	increase	NOUN
cjfa-21483	161	14	.	.	PUNCT
cjfa-21483	162	1	our	our	PRON
cjfa-21483	162	2	knowledge	knowledge	NOUN
cjfa-21483	162	3	of	of	ADP
cjfa-21483	162	4	bank	bank	NOUN
cjfa-21483	162	5	risk	risk	NOUN
cjfa-21483	162	6	increases	increase	NOUN
cjfa-21483	162	7	as	as	ADP
cjfa-21483	162	8	our	our	PRON
cjfa-21483	162	9	ability	ability	NOUN
cjfa-21483	162	10	to	to	PART
cjfa-21483	162	11	disaggregate	disaggregate	VERB
cjfa-21483	162	12	risk	risk	NOUN
cjfa-21483	162	13	to	to	ADP
cjfa-21483	162	14	more	more	ADJ
cjfa-21483	162	15	granular	granular	ADJ
cjfa-21483	162	16	levels	level	NOUN
cjfa-21483	162	17	increases	increase	VERB
cjfa-21483	162	18	.	.	PUNCT
cjfa-21483	163	1	our	our	PRON
cjfa-21483	163	2	knowledge	knowledge	NOUN
cjfa-21483	163	3	of	of	ADP
cjfa-21483	163	4	bank	bank	NOUN
cjfa-21483	163	5	risks	risk	VERB
cjfa-21483	163	6	shifts	shift	NOUN
cjfa-21483	163	7	over	over	ADP
cjfa-21483	163	8	time	time	NOUN
cjfa-21483	163	9	,	,	PUNCT
cjfa-21483	163	10	as	as	SCONJ
cjfa-21483	163	11	new	new	ADJ
cjfa-21483	163	12	risks	risk	NOUN
cjfa-21483	163	13	become	become	VERB
cjfa-21483	163	14	discretely	discretely	ADV
cjfa-21483	163	15	classified	classified	ADJ
cjfa-21483	163	16	and	and	CCONJ
cjfa-21483	163	17	subject	subject	ADJ
cjfa-21483	163	18	to	to	ADP
cjfa-21483	163	19	measurement	measurement	NOUN
cjfa-21483	163	20	with	with	ADP
cjfa-21483	163	21	increasing	increase	VERB
cjfa-21483	163	22	granularity	granularity	NOUN
cjfa-21483	163	23	.	.	PUNCT
cjfa-21483	164	1	based	base	VERB
cjfa-21483	164	2	on	on	ADP
cjfa-21483	164	3	these	these	DET
cjfa-21483	164	4	propositions	proposition	NOUN
cjfa-21483	164	5	,	,	PUNCT
cjfa-21483	164	6	the	the	DET
cjfa-21483	164	7	evidence	evidence	NOUN
cjfa-21483	164	8	from	from	ADP
cjfa-21483	164	9	market	market	NOUN
cjfa-21483	164	10	practice	practice	NOUN
cjfa-21483	164	11	suggests	suggest	VERB
cjfa-21483	164	12	that	that	SCONJ
cjfa-21483	164	13	:	:	PUNCT
cjfa-21483	164	14	4	4	X
cjfa-21483	164	15	)	)	PUNCT
cjfa-21483	164	16	our	our	PRON
cjfa-21483	164	17	current	current	ADJ
cjfa-21483	164	18	knowledge	knowledge	NOUN
cjfa-21483	164	19	of	of	ADP
cjfa-21483	164	20	market	market	NOUN
cjfa-21483	164	21	risk	risk	NOUN
cjfa-21483	164	22	>	>	X
cjfa-21483	164	23	credit	credit	NOUN
cjfa-21483	164	24	risk	risk	NOUN
cjfa-21483	164	25	>	>	X
cjfa-21483	164	26	structural	structural	ADJ
cjfa-21483	164	27	asset	asset	NOUN
cjfa-21483	164	28	/	/	SYM
cjfa-21483	164	29	liability	liability	NOUN
cjfa-21483	164	30	risk	risk	NOUN
cjfa-21483	164	31	>	>	X
cjfa-21483	164	32	operational	operational	ADJ
cjfa-21483	164	33	risk	risk	NOUN
cjfa-21483	164	34	>	>	X
cjfa-21483	164	35	business	business	NOUN
cjfa-21483	164	36	risk	risk	NOUN
cjfa-21483	164	37	.	.	PUNCT
cjfa-21483	165	1	although	although	SCONJ
cjfa-21483	165	2	we	we	PRON
cjfa-21483	165	3	know	know	VERB
cjfa-21483	165	4	more	more	ADJ
cjfa-21483	165	5	about	about	ADP
cjfa-21483	165	6	the	the	DET
cjfa-21483	165	7	ordering	ordering	NOUN
cjfa-21483	165	8	of	of	ADP
cjfa-21483	165	9	risks	risk	NOUN
cjfa-21483	165	10	than	than	ADP
cjfa-21483	165	11	the	the	DET
cjfa-21483	165	12	contours	contours	NOUN
cjfa-21483	165	13	of	of	ADP
cjfa-21483	165	14	the	the	DET
cjfa-21483	165	15	a	a	PROPN
cjfa-21483	165	16	,	,	PUNCT
cjfa-21483	165	17	b	b	NOUN
cjfa-21483	165	18	,	,	PUNCT
cjfa-21483	165	19	and	and	CCONJ
cjfa-21483	165	20	c	c	NOUN
cjfa-21483	165	21	typing	type	VERB
cjfa-21483	165	22	analysis	analysis	NOUN
cjfa-21483	165	23	within	within	ADP
cjfa-21483	165	24	the	the	DET
cjfa-21483	165	25	risk	risk	NOUN
cjfa-21483	165	26	space	space	NOUN
cjfa-21483	165	27	,	,	PUNCT
cjfa-21483	165	28	we	we	PRON
cjfa-21483	165	29	reason	reason	VERB
cjfa-21483	165	30	that	that	SCONJ
cjfa-21483	165	31	:	:	PUNCT
cjfa-21483	165	32	the	the	DET
cjfa-21483	165	33	“	"	PUNCT
cjfa-21483	165	34	existent	existent	ADJ
cjfa-21483	165	35	”	"	PUNCT
cjfa-21483	165	36	(	(	PUNCT
cjfa-21483	165	37	a	a	DET
cjfa-21483	165	38	)	)	PUNCT
cjfa-21483	165	39	type	type	NOUN
cjfa-21483	165	40	falls	fall	VERB
cjfa-21483	165	41	off	off	ADP
cjfa-21483	165	42	between	between	ADP
cjfa-21483	165	43	financial	financial	ADJ
cjfa-21483	165	44	and	and	CCONJ
cjfa-21483	165	45	non	non	ADJ
cjfa-21483	165	46	-	-	ADJ
cjfa-21483	165	47	financial	financial	ADJ
cjfa-21483	165	48	risks	risk	NOUN
cjfa-21483	165	49	,	,	PUNCT
cjfa-21483	165	50	as	as	SCONJ
cjfa-21483	165	51	market	market	NOUN
cjfa-21483	165	52	,	,	PUNCT
cjfa-21483	165	53	credit	credit	NOUN
cjfa-21483	165	54	,	,	PUNCT
cjfa-21483	165	55	and	and	CCONJ
cjfa-21483	165	56	structural	structural	ADJ
cjfa-21483	165	57	asset	asset	NOUN
cjfa-21483	165	58	/	/	SYM
cjfa-21483	165	59	liability	liability	NOUN
cjfa-21483	165	60	risks	risk	NOUN
cjfa-21483	165	61	are	be	AUX
cjfa-21483	165	62	much	much	ADV
cjfa-21483	165	63	easier	easy	ADJ
cjfa-21483	165	64	to	to	PART
cjfa-21483	165	65	quantify	quantify	VERB
cjfa-21483	165	66	and	and	CCONJ
cjfa-21483	165	67	disaggregate	disaggregate	ADJ
cjfa-21483	165	68	than	than	ADP
cjfa-21483	165	69	operational	operational	ADJ
cjfa-21483	165	70	or	or	CCONJ
cjfa-21483	165	71	business	business	NOUN
cjfa-21483	165	72	risk	risk	NOUN
cjfa-21483	165	73	;	;	PUNCT
cjfa-21483	165	74	and	and	CCONJ
cjfa-21483	165	75	the	the	DET
cjfa-21483	165	76	“	"	PUNCT
cjfa-21483	165	77	recognizable	recognizable	ADJ
cjfa-21483	165	78	”	"	PUNCT
cjfa-21483	165	79	(	(	PUNCT
cjfa-21483	165	80	b	b	NOUN
cjfa-21483	165	81	)	)	PUNCT
cjfa-21483	165	82	type	type	NOUN
cjfa-21483	165	83	rises	rise	VERB
cjfa-21483	165	84	steeply	steeply	ADV
cjfa-21483	165	85	for	for	ADP
cjfa-21483	165	86	operational	operational	ADJ
cjfa-21483	165	87	and	and	CCONJ
cjfa-21483	165	88	business	business	NOUN
cjfa-21483	165	89	risk	risk	NOUN
cjfa-21483	165	90	,	,	PUNCT
cjfa-21483	165	91	given	give	VERB
cjfa-21483	165	92	the	the	DET
cjfa-21483	165	93	diffuse	diffuse	ADJ
cjfa-21483	165	94	nature	nature	NOUN
cjfa-21483	165	95	of	of	ADP
cjfa-21483	165	96	these	these	DET
cjfa-21483	165	97	risks	risk	NOUN
cjfa-21483	165	98	and	and	CCONJ
cjfa-21483	165	99	the	the	DET
cjfa-21483	165	100	lack	lack	NOUN
cjfa-21483	165	101	of	of	ADP
cjfa-21483	165	102	historical	historical	ADJ
cjfa-21483	165	103	the	the	DET
cjfa-21483	165	104	second	second	ADJ
cjfa-21483	165	105	factor	factor	NOUN
cjfa-21483	165	106	is	be	AUX
cjfa-21483	165	107	granularity	granularity	NOUN
cjfa-21483	165	108	:	:	PUNCT
cjfa-21483	165	109	a	a	DET
cjfa-21483	165	110	increases	increase	NOUN
cjfa-21483	165	111	,	,	PUNCT
cjfa-21483	165	112	and	and	CCONJ
cjfa-21483	165	113	b	b	NOUN
cjfa-21483	165	114	and	and	CCONJ
cjfa-21483	165	115	c	c	NOUN
cjfa-21483	165	116	decrease	decrease	NOUN
cjfa-21483	165	117	,	,	PUNCT
cjfa-21483	165	118	as	as	ADP
cjfa-21483	165	119	the	the	DET
cjfa-21483	165	120	ability	ability	NOUN
cjfa-21483	165	121	to	to	PART
cjfa-21483	165	122	measure	measure	VERB
cjfa-21483	165	123	risk	risk	NOUN
cjfa-21483	165	124	at	at	ADP
cjfa-21483	165	125	lower	low	ADJ
cjfa-21483	165	126	levels	level	NOUN
cjfa-21483	165	127	of	of	ADP
cjfa-21483	165	128	aggregation	aggregation	NOUN
cjfa-21483	165	129	increases	increase	NOUN
cjfa-21483	165	130	.	.	PUNCT
cjfa-21483	166	1	the	the	DET
cjfa-21483	166	2	granularity	granularity	NOUN
cjfa-21483	166	3	dimension	dimension	NOUN
cjfa-21483	166	4	reflects	reflect	VERB
cjfa-21483	166	5	systematic	systematic	ADJ
cjfa-21483	166	6	differences	difference	NOUN
cjfa-21483	166	7	in	in	ADP
cjfa-21483	166	8	the	the	DET
cjfa-21483	166	9	ability	ability	NOUN
cjfa-21483	166	10	to	to	PART
cjfa-21483	166	11	measure	measure	VERB
cjfa-21483	166	12	and	and	CCONJ
cjfa-21483	166	13	manage	manage	VERB
cjfa-21483	166	14	risks	risk	NOUN
cjfa-21483	166	15	at	at	ADP
cjfa-21483	166	16	multiple	multiple	ADJ
cjfa-21483	166	17	levels	level	NOUN
cjfa-21483	166	18	in	in	ADP
cjfa-21483	166	19	the	the	DET
cjfa-21483	166	20	organization	organization	NOUN
cjfa-21483	166	21	.	.	PUNCT
cjfa-21483	167	1	the	the	DET
cjfa-21483	167	2	more	more	ADV
cjfa-21483	167	3	granular	granular	ADJ
cjfa-21483	167	4	the	the	DET
cjfa-21483	167	5	understanding	understanding	NOUN
cjfa-21483	167	6	of	of	ADP
cjfa-21483	167	7	risk	risk	NOUN
cjfa-21483	167	8	,	,	PUNCT
cjfa-21483	167	9	the	the	DET
cjfa-21483	167	10	better	well	ADJ
cjfa-21483	167	11	one	one	NOUN
cjfa-21483	167	12	is	be	AUX
cjfa-21483	167	13	able	able	ADJ
cjfa-21483	167	14	to	to	PART
cjfa-21483	167	15	identify	identify	VERB
cjfa-21483	167	16	it	it	PRON
cjfa-21483	167	17	,	,	PUNCT
cjfa-21483	167	18	measure	measure	VERB
cjfa-21483	167	19	it	it	PRON
cjfa-21483	167	20	,	,	PUNCT
cjfa-21483	167	21	and	and	CCONJ
cjfa-21483	167	22	control	control	VERB
cjfa-21483	167	23	it	it	PRON
cjfa-21483	167	24	.	.	PUNCT
cjfa-21483	168	1	in	in	ADP
cjfa-21483	168	2	market	market	NOUN
cjfa-21483	168	3	risk	risk	NOUN
cjfa-21483	168	4	,	,	PUNCT
cjfa-21483	168	5	for	for	ADP
cjfa-21483	168	6	example	example	NOUN
cjfa-21483	168	7	,	,	PUNCT
cjfa-21483	168	8	the	the	DET
cjfa-21483	168	9	marginal	marginal	ADJ
cjfa-21483	168	10	impact	impact	NOUN
cjfa-21483	168	11	of	of	ADP
cjfa-21483	168	12	individual	individual	ADJ
cjfa-21483	168	13	trades	trade	NOUN
cjfa-21483	168	14	on	on	ADP
cjfa-21483	168	15	a	a	DET
cjfa-21483	168	16	bank	bank	NOUN
cjfa-21483	168	17	’s	’s	PART
cjfa-21483	168	18	overall	overall	ADJ
cjfa-21483	168	19	market	market	NOUN
cjfa-21483	168	20	position	position	NOUN
cjfa-21483	168	21	can	can	AUX
cjfa-21483	168	22	be	be	AUX
cjfa-21483	168	23	measured	measure	VERB
cjfa-21483	168	24	,	,	PUNCT
cjfa-21483	168	25	possibly	possibly	ADV
cjfa-21483	168	26	even	even	ADV
cjfa-21483	168	27	in	in	ADP
cjfa-21483	168	28	real	real	ADJ
cjfa-21483	168	29	-	-	PUNCT
cjfa-21483	168	30	time	time	NOUN
cjfa-21483	168	31	,	,	PUNCT
cjfa-21483	168	32	with	with	ADP
cjfa-21483	168	33	a	a	DET
cjfa-21483	168	34	fairly	fairly	ADV
cjfa-21483	168	35	high	high	ADJ
cjfa-21483	168	36	degree	degree	NOUN
cjfa-21483	168	37	of	of	ADP
cjfa-21483	168	38	accuracy	accuracy	NOUN
cjfa-21483	168	39	.	.	PUNCT
cjfa-21483	169	1	risk	risk	NOUN
cjfa-21483	169	2	managers	manager	NOUN
cjfa-21483	169	3	can	can	AUX
cjfa-21483	169	4	therefore	therefore	ADV
cjfa-21483	169	5	manage	manage	VERB
cjfa-21483	169	6	the	the	DET
cjfa-21483	169	7	risks	risk	NOUN
cjfa-21483	169	8	of	of	ADP
cjfa-21483	169	9	individual	individual	ADJ
cjfa-21483	169	10	trades	trade	NOUN
cjfa-21483	169	11	,	,	PUNCT
cjfa-21483	169	12	as	as	ADV
cjfa-21483	169	13	well	well	ADV
cjfa-21483	169	14	as	as	ADP
cjfa-21483	169	15	the	the	DET
cjfa-21483	169	16	cumulative	cumulative	ADJ
cjfa-21483	169	17	risk	risk	NOUN
cjfa-21483	169	18	in	in	ADP
cjfa-21483	169	19	a	a	DET
cjfa-21483	169	20	bank	bank	NOUN
cjfa-21483	169	21	’s	’s	PART
cjfa-21483	169	22	trading	trading	NOUN
cjfa-21483	169	23	businesses	business	NOUN
cjfa-21483	169	24	,	,	PUNCT
cjfa-21483	169	25	through	through	ADP
cjfa-21483	169	26	dynamic	dynamic	ADJ
cjfa-21483	169	27	syed	syed	ADJ
cjfa-21483	169	28	alamdar	alamdar	PROPN
cjfa-21483	169	29	ali	ali	PROPN
cjfa-21483	169	30	shah62	shah62	PROPN
cjfa-21483	169	31	var	var	PROPN
cjfa-21483	169	32	limits	limit	NOUN
cjfa-21483	169	33	.	.	PUNCT
cjfa-21483	170	1	in	in	ADP
cjfa-21483	170	2	business	business	NOUN
cjfa-21483	170	3	risk	risk	NOUN
cjfa-21483	170	4	,	,	PUNCT
cjfa-21483	170	5	by	by	ADP
cjfa-21483	170	6	contrast	contrast	NOUN
cjfa-21483	170	7	,	,	PUNCT
cjfa-21483	170	8	some	some	DET
cjfa-21483	170	9	risks	risk	NOUN
cjfa-21483	170	10	,	,	PUNCT
cjfa-21483	170	11	such	such	ADJ
cjfa-21483	170	12	as	as	ADP
cjfa-21483	170	13	reputation	reputation	NOUN
cjfa-21483	170	14	risks	risk	NOUN
cjfa-21483	170	15	,	,	PUNCT
cjfa-21483	170	16	may	may	AUX
cjfa-21483	170	17	only	only	ADV
cjfa-21483	170	18	manifest	manifest	VERB
cjfa-21483	170	19	themselves	themselves	PRON
cjfa-21483	170	20	at	at	ADP
cjfa-21483	170	21	the	the	DET
cjfa-21483	170	22	firm	firm	ADJ
cjfa-21483	170	23	-	-	PUNCT
cjfa-21483	170	24	wide	wide	ADJ
cjfa-21483	170	25	level	level	NOUN
cjfa-21483	170	26	,	,	PUNCT
cjfa-21483	170	27	and	and	CCONJ
cjfa-21483	170	28	may	may	AUX
cjfa-21483	170	29	not	not	PART
cjfa-21483	170	30	be	be	AUX
cjfa-21483	170	31	capable	capable	ADJ
cjfa-21483	170	32	of	of	ADP
cjfa-21483	170	33	being	be	AUX
cjfa-21483	170	34	disaggregated	disaggregate	VERB
cjfa-21483	170	35	to	to	ADP
cjfa-21483	170	36	lower	low	ADJ
cjfa-21483	170	37	levels	level	NOUN
cjfa-21483	170	38	.	.	PUNCT
cjfa-21483	171	1	the	the	DET
cjfa-21483	171	2	inability	inability	NOUN
cjfa-21483	171	3	to	to	PART
cjfa-21483	171	4	disaggregate	disaggregate	VERB
cjfa-21483	171	5	such	such	ADJ
cjfa-21483	171	6	risks	risk	NOUN
cjfa-21483	171	7	makes	make	VERB
cjfa-21483	171	8	them	they	PRON
cjfa-21483	171	9	more	more	ADV
cjfa-21483	171	10	difficult	difficult	ADJ
cjfa-21483	171	11	to	to	PART
cjfa-21483	171	12	control	control	VERB
cjfa-21483	171	13	at	at	ADP
cjfa-21483	171	14	the	the	DET
cjfa-21483	171	15	source	source	NOUN
cjfa-21483	171	16	.	.	PUNCT
cjfa-21483	172	1	based	base	VERB
cjfa-21483	172	2	on	on	ADP
cjfa-21483	172	3	these	these	DET
cjfa-21483	172	4	factors	factor	NOUN
cjfa-21483	172	5	,	,	PUNCT
cjfa-21483	172	6	a	a	DET
cjfa-21483	172	7	framework	framework	NOUN
cjfa-21483	172	8	for	for	ADP
cjfa-21483	172	9	positioning	position	VERB
cjfa-21483	172	10	the	the	DET
cjfa-21483	172	11	sources	source	NOUN
cjfa-21483	172	12	of	of	ADP
cjfa-21483	172	13	risk	risk	NOUN
cjfa-21483	172	14	in	in	ADP
cjfa-21483	172	15	banking	banking	NOUN
cjfa-21483	172	16	.	.	PUNCT
cjfa-21483	173	1	can	can	AUX
cjfa-21483	173	2	be	be	AUX
cjfa-21483	173	3	established	establish	VERB
cjfa-21483	173	4	where	where	SCONJ
cjfa-21483	173	5	five	five	NUM
cjfa-21483	173	6	main	main	ADJ
cjfa-21483	173	7	sources	source	NOUN
cjfa-21483	173	8	of	of	ADP
cjfa-21483	173	9	bank	bank	NOUN
cjfa-21483	173	10	risks	risk	NOUN
cjfa-21483	173	11	can	can	AUX
cjfa-21483	173	12	be	be	AUX
cjfa-21483	173	13	ordered	order	VERB
cjfa-21483	173	14	in	in	ADP
cjfa-21483	173	15	terms	term	NOUN
cjfa-21483	173	16	of	of	ADP
cjfa-21483	173	17	their	their	PRON
cjfa-21483	173	18	ability	ability	NOUN
cjfa-21483	173	19	to	to	PART
cjfa-21483	173	20	be	be	AUX
cjfa-21483	173	21	quantified	quantify	VERB
cjfa-21483	173	22	and	and	CCONJ
cjfa-21483	173	23	disaggregated	disaggregate	VERB
cjfa-21483	173	24	.	.	PUNCT
cjfa-21483	174	1	the	the	DET
cjfa-21483	174	2	risks	risk	NOUN
cjfa-21483	174	3	can	can	AUX
cjfa-21483	174	4	be	be	AUX
cjfa-21483	174	5	ranked	rank	VERB
cjfa-21483	174	6	in	in	ADP
cjfa-21483	174	7	this	this	DET
cjfa-21483	174	8	framework	framework	NOUN
cjfa-21483	174	9	from	from	ADP
cjfa-21483	174	10	the	the	DET
cjfa-21483	174	11	most	most	ADV
cjfa-21483	174	12	quantifiable	quantifiable	ADJ
cjfa-21483	174	13	and	and	CCONJ
cjfa-21483	174	14	granular	granular	ADJ
cjfa-21483	174	15	,	,	PUNCT
cjfa-21483	174	16	and	and	CCONJ
cjfa-21483	174	17	hence	hence	ADV
cjfa-21483	174	18	most	most	ADJ
cjfa-21483	174	19	“	"	PUNCT
cjfa-21483	174	20	existent	existent	ADJ
cjfa-21483	174	21	,	,	PUNCT
cjfa-21483	174	22	”	"	PUNCT
cjfa-21483	174	23	to	to	ADP
cjfa-21483	174	24	the	the	DET
cjfa-21483	174	25	least	least	ADJ
cjfa-21483	174	26	.	.	PUNCT
cjfa-21483	175	1	such	such	ADJ
cjfa-21483	175	2	framework	framework	NOUN
cjfa-21483	175	3	also	also	ADV
cjfa-21483	175	4	has	have	VERB
cjfa-21483	175	5	a	a	DET
cjfa-21483	175	6	time	time	NOUN
cjfa-21483	175	7	dimension	dimension	NOUN
cjfa-21483	175	8	to	to	ADP
cjfa-21483	175	9	it	it	PRON
cjfa-21483	175	10	.	.	PUNCT
cjfa-21483	176	1	such	such	ADJ
cjfa-21483	176	2	ordering	ordering	NOUN
cjfa-21483	176	3	of	of	ADP
cjfa-21483	176	4	risks	risk	NOUN
cjfa-21483	176	5	reflects	reflect	VERB
cjfa-21483	176	6	existing	exist	VERB
cjfa-21483	176	7	state	state	NOUN
cjfa-21483	176	8	of	of	ADP
cjfa-21483	176	9	contemporary	contemporary	ADJ
cjfa-21483	176	10	practice	practice	NOUN
cjfa-21483	176	11	.	.	PUNCT
cjfa-21483	177	1	over	over	ADP
cjfa-21483	177	2	time	time	NOUN
cjfa-21483	177	3	,	,	PUNCT
cjfa-21483	177	4	the	the	DET
cjfa-21483	177	5	boundaries	boundary	NOUN
cjfa-21483	177	6	of	of	ADP
cjfa-21483	177	7	the	the	DET
cjfa-21483	177	8	“	"	PUNCT
cjfa-21483	177	9	existent	existent	ADJ
cjfa-21483	177	10	”	"	PUNCT
cjfa-21483	177	11	can	can	AUX
cjfa-21483	177	12	be	be	AUX
cjfa-21483	177	13	expected	expect	VERB
cjfa-21483	177	14	to	to	PART
cjfa-21483	177	15	be	be	AUX
cjfa-21483	177	16	pushed	push	VERB
cjfa-21483	177	17	out	out	ADP
cjfa-21483	177	18	,	,	PUNCT
cjfa-21483	177	19	as	as	SCONJ
cjfa-21483	177	20	risks	risk	NOUN
cjfa-21483	177	21	are	be	AUX
cjfa-21483	177	22	more	more	ADV
cjfa-21483	177	23	finely	finely	ADV
cjfa-21483	177	24	classified	classify	VERB
cjfa-21483	177	25	,	,	PUNCT
cjfa-21483	177	26	additional	additional	ADJ
cjfa-21483	177	27	data	datum	NOUN
cjfa-21483	177	28	is	be	AUX
cjfa-21483	177	29	collected	collect	VERB
cjfa-21483	177	30	,	,	PUNCT
cjfa-21483	177	31	and	and	CCONJ
cjfa-21483	177	32	new	new	ADJ
cjfa-21483	177	33	models	model	NOUN
cjfa-21483	177	34	are	be	AUX
cjfa-21483	177	35	developed	develop	VERB
cjfa-21483	177	36	.	.	PUNCT
cjfa-21483	177	37	 	 	SPACE
cjfa-21483	178	1	references	reference	NOUN
cjfa-21483	178	2	abdullah	abdullah	PROPN
cjfa-21483	178	3	,	,	PUNCT
cjfa-21483	178	4	w.n	w.n	PROPN
cjfa-21483	178	5	.	.	PROPN
cjfa-21483	178	6	,	,	PUNCT
cjfa-21483	178	7	&	&	CCONJ
cjfa-21483	178	8	said	say	VERB
cjfa-21483	178	9	,	,	PUNCT
cjfa-21483	178	10	r.	r.	PROPN
cjfa-21483	178	11	(	(	PUNCT
cjfa-21483	178	12	2019	2019	NUM
cjfa-21483	178	13	)	)	PUNCT
cjfa-21483	178	14	.	.	PUNCT
cjfa-21483	179	1	audit	audit	NOUN
cjfa-21483	179	2	and	and	CCONJ
cjfa-21483	179	3	risk	risk	NOUN
cjfa-21483	179	4	committee	committee	NOUN
cjfa-21483	179	5	in	in	ADP
cjfa-21483	179	6	financial	financial	PROPN
cjfa-21483	179	7	crime	crime	NOUN
cjfa-21483	179	8	prevention	prevention	NOUN
cjfa-21483	179	9	.	.	PUNCT
cjfa-21483	180	1	journal	journal	PROPN
cjfa-21483	180	2	of	of	ADP
cjfa-21483	180	3	financial	financial	ADJ
cjfa-21483	180	4	crime	crime	NOUN
cjfa-21483	180	5	,	,	PUNCT
cjfa-21483	180	6	26(1	26(1	NUM
cjfa-21483	180	7	)	)	PUNCT
cjfa-21483	180	8	,	,	PUNCT
cjfa-21483	180	9	223	223	NUM
cjfa-21483	180	10	-	-	SYM
cjfa-21483	180	11	234	234	NUM
cjfa-21483	180	12	.	.	PUNCT
cjfa-21483	181	1	allen	allen	PROPN
cjfa-21483	181	2	,	,	PUNCT
cjfa-21483	181	3	l.	l.	PROPN
cjfa-21483	181	4	,	,	PUNCT
cjfa-21483	181	5	boudoukh	boudoukh	PROPN
cjfa-21483	181	6	,	,	PUNCT
cjfa-21483	181	7	j.	j.	PROPN
cjfa-21483	181	8	,	,	PUNCT
cjfa-21483	181	9	&	&	CCONJ
cjfa-21483	181	10	saunders	saunders	PROPN
cjfa-21483	181	11	,	,	PUNCT
cjfa-21483	181	12	a.	a.	NOUN
cjfa-21483	181	13	(	(	PUNCT
cjfa-21483	181	14	2004).understanding	2004).understanding	NUM
cjfa-21483	181	15	market	market	NOUN
cjfa-21483	181	16	,	,	PUNCT
cjfa-21483	181	17	credit	credit	NOUN
cjfa-21483	181	18	and	and	CCONJ
cjfa-21483	181	19	operational	operational	ADJ
cjfa-21483	181	20	risk	risk	NOUN
cjfa-21483	181	21	.	.	PUNCT
cjfa-21483	182	1	malden	malden	PROPN
cjfa-21483	182	2	,	,	PUNCT
cjfa-21483	182	3	ma	ma	PROPN
cjfa-21483	182	4	:	:	PUNCT
cjfa-21483	182	5	blackwell	blackwell	PROPN
cjfa-21483	182	6	publishing	publishing	NOUN
cjfa-21483	182	7	.	.	PUNCT
cjfa-21483	183	1	asl	asl	PROPN
cjfa-21483	183	2	,	,	PUNCT
cjfa-21483	183	3	m.a.s	m.a.s	PROPN
cjfa-21483	183	4	.	.	PROPN
cjfa-21483	183	5	,	,	PUNCT
cjfa-21483	183	6	&	&	CCONJ
cjfa-21483	183	7	nikouei	nikouei	PROPN
cjfa-21483	183	8	,	,	PUNCT
cjfa-21483	183	9	a.	a.	NOUN
cjfa-21483	183	10	(	(	PUNCT
cjfa-21483	183	11	2017	2017	NUM
cjfa-21483	183	12	)	)	PUNCT
cjfa-21483	183	13	.	.	PUNCT
cjfa-21483	184	1	a	a	DET
cjfa-21483	184	2	review	review	NOUN
cjfa-21483	184	3	on	on	ADP
cjfa-21483	184	4	performance	performance	NOUN
cjfa-21483	184	5	and	and	CCONJ
cjfa-21483	184	6	risk	risk	NOUN
cjfa-21483	184	7	in	in	ADP
cjfa-21483	184	8	banks	bank	NOUN
cjfa-21483	184	9	.	.	PUNCT
cjfa-21483	185	1	revista	revista	PROPN
cjfa-21483	185	2	quid	quid	PROPN
cjfa-21483	185	3	,	,	PUNCT
cjfa-21483	185	4	1(1	1(1	NUM
cjfa-21483	185	5	)	)	PUNCT
cjfa-21483	185	6	,	,	PUNCT
cjfa-21483	185	7	641	641	NUM
cjfa-21483	185	8	-	-	SYM
cjfa-21483	185	9	646	646	NUM
cjfa-21483	185	10	.	.	PUNCT
cjfa-21483	186	1	basel	basel	PROPN
cjfa-21483	186	2	committee	committee	PROPN
cjfa-21483	186	3	on	on	ADP
cjfa-21483	186	4	banking	banking	NOUN
cjfa-21483	186	5	supervision	supervision	NOUN
cjfa-21483	186	6	(	(	PUNCT
cjfa-21483	186	7	bcbs	bcbs	PROPN
cjfa-21483	186	8	)	)	PUNCT
cjfa-21483	186	9	(	(	PUNCT
cjfa-21483	186	10	1988	1988	NUM
cjfa-21483	186	11	)	)	PUNCT
cjfa-21483	186	12	.	.	PUNCT
cjfa-21483	187	1	internal	internal	ADJ
cjfa-21483	187	2	convergence	convergence	NOUN
cjfa-21483	187	3	of	of	ADP
cjfa-21483	187	4	capital	capital	NOUN
cjfa-21483	187	5	measurement	measurement	NOUN
cjfa-21483	187	6	and	and	CCONJ
cjfa-21483	187	7	capital	capital	NOUN
cjfa-21483	187	8	standards	standard	NOUN
cjfa-21483	187	9	.	.	PUNCT
cjfa-21483	188	1	basel	basel	PROPN
cjfa-21483	188	2	committee	committee	PROPN
cjfa-21483	188	3	on	on	ADP
cjfa-21483	188	4	banking	banking	NOUN
cjfa-21483	188	5	supervision	supervision	NOUN
cjfa-21483	188	6	(	(	PUNCT
cjfa-21483	188	7	bcbs)(1996).amendment	bcbs)(1996).amendment	NOUN
cjfa-21483	188	8	to	to	ADP
cjfa-21483	188	9	the	the	DET
cjfa-21483	188	10	capital	capital	NOUN
cjfa-21483	188	11	accord	accord	NOUN
cjfa-21483	188	12	to	to	PART
cjfa-21483	188	13	incorporate	incorporate	VERB
cjfa-21483	188	14	market	market	NOUN
cjfa-21483	188	15	risks	risk	NOUN
cjfa-21483	188	16	(	(	PUNCT
cjfa-21483	188	17	no	no	INTJ
cjfa-21483	188	18	.	.	NOUN
cjfa-21483	188	19	24	24	NUM
cjfa-21483	188	20	)	)	PUNCT
cjfa-21483	188	21	.	.	PUNCT
cjfa-21483	189	1	basel	basel	PROPN
cjfa-21483	189	2	committee	committee	PROPN
cjfa-21483	189	3	on	on	ADP
cjfa-21483	189	4	banking	banking	NOUN
cjfa-21483	189	5	supervision	supervision	NOUN
cjfa-21483	189	6	(	(	PUNCT
cjfa-21483	189	7	bcbs	bcbs	PROPN
cjfa-21483	189	8	)	)	PUNCT
cjfa-21483	189	9	(	(	PUNCT
cjfa-21483	189	10	2001	2001	NUM
cjfa-21483	189	11	)	)	PUNCT
cjfa-21483	189	12	overview	overview	NOUN
cjfa-21483	189	13	of	of	ADP
cjfa-21483	189	14	the	the	DET
cjfa-21483	189	15	new	new	ADJ
cjfa-21483	189	16	basel	basel	PROPN
cjfa-21483	189	17	accord	accord	NOUN
cjfa-21483	189	18	.	.	PUNCT
cjfa-21483	190	1	basel	basel	PROPN
cjfa-21483	190	2	committee	committee	PROPN
cjfa-21483	190	3	on	on	ADP
cjfa-21483	190	4	banking	banking	NOUN
cjfa-21483	190	5	supervision	supervision	NOUN
cjfa-21483	190	6	(	(	PUNCT
cjfa-21483	190	7	bcbs	bcbs	PROPN
cjfa-21483	190	8	)	)	PUNCT
cjfa-21483	190	9	(	(	PUNCT
cjfa-21483	190	10	2005	2005	NUM
cjfa-21483	190	11	)	)	PUNCT
cjfa-21483	190	12	.	.	PUNCT
cjfa-21483	191	1	international	international	ADJ
cjfa-21483	191	2	convergence	convergence	NOUN
cjfa-21483	191	3	of	of	ADP
cjfa-21483	191	4	capital	capital	NOUN
cjfa-21483	191	5	measurement	measurement	NOUN
cjfa-21483	191	6	and	and	CCONJ
cjfa-21483	191	7	capital	capital	NOUN
cjfa-21483	191	8	standards	standard	NOUN
cjfa-21483	191	9	:	:	PUNCT
cjfa-21483	191	10	a	a	DET
cjfa-21483	191	11	revised	revise	VERB
cjfa-21483	191	12	framework	framework	NOUN
cjfa-21483	191	13	.	.	PUNCT
cjfa-21483	192	1	becker	becker	PROPN
cjfa-21483	192	2	,	,	PUNCT
cjfa-21483	192	3	m.	m.	NOUN
cjfa-21483	192	4	,	,	PUNCT
cjfa-21483	192	5	&	&	CCONJ
cjfa-21483	192	6	buchkremer	buchkremer	PROPN
cjfa-21483	192	7	,	,	PUNCT
cjfa-21483	192	8	r.	r.	PROPN
cjfa-21483	192	9	(	(	PUNCT
cjfa-21483	192	10	2018	2018	NUM
cjfa-21483	192	11	)	)	PUNCT
cjfa-21483	192	12	.	.	PUNCT
cjfa-21483	193	1	ranking	rank	VERB
cjfa-21483	193	2	of	of	ADP
cjfa-21483	193	3	current	current	ADJ
cjfa-21483	193	4	information	information	NOUN
cjfa-21483	193	5	technologies	technology	NOUN
cjfa-21483	193	6	by	by	ADP
cjfa-21483	193	7	risk	risk	NOUN
cjfa-21483	193	8	and	and	CCONJ
cjfa-21483	193	9	regulatory	regulatory	ADJ
cjfa-21483	193	10	officers	officer	NOUN
cjfa-21483	193	11	at	at	ADP
cjfa-21483	193	12	financial	financial	ADJ
cjfa-21483	193	13	institutionsa	institutionsa	ADJ
cjfa-21483	193	14	german	german	ADJ
cjfa-21483	193	15	perspective	perspective	NOUN
cjfa-21483	193	16	.	.	PUNCT
cjfa-21483	194	1	review	review	NOUN
cjfa-21483	194	2	of	of	ADP
cjfa-21483	194	3	finance	finance	NOUN
cjfa-21483	194	4	&	&	CCONJ
cjfa-21483	194	5	banking	banking	NOUN
cjfa-21483	194	6	,	,	PUNCT
cjfa-21483	194	7	10(1	10(1	NUM
cjfa-21483	194	8	)	)	PUNCT
cjfa-21483	194	9	,	,	PUNCT
cjfa-21483	194	10	1	1	NUM
cjfa-21483	194	11	-	-	SYM
cjfa-21483	194	12	17	17	NUM
cjfa-21483	194	13	.	.	PUNCT
cjfa-21483	195	1	berger	berger	PROPN
cjfa-21483	195	2	,	,	PUNCT
cjfa-21483	195	3	a.n	a.n	PROPN
cjfa-21483	195	4	.	.	PROPN
cjfa-21483	195	5	,	,	PUNCT
cjfa-21483	195	6	herring	herring	PROPN
cjfa-21483	195	7	,	,	PUNCT
cjfa-21483	195	8	r.j	r.j	PROPN
cjfa-21483	195	9	.	.	PROPN
cjfa-21483	195	10	,	,	PUNCT
cjfa-21483	195	11	&	&	CCONJ
cjfa-21483	195	12	szegö	szegö	PROPN
cjfa-21483	195	13	,	,	PUNCT
cjfa-21483	195	14	g.p	g.p	PROPN
cjfa-21483	195	15	.	.	PROPN
cjfa-21483	195	16	(	(	PUNCT
cjfa-21483	195	17	1995	1995	NUM
cjfa-21483	195	18	)	)	PUNCT
cjfa-21483	195	19	.	.	PUNCT
cjfa-21483	196	1	the	the	DET
cjfa-21483	196	2	role	role	NOUN
cjfa-21483	196	3	of	of	ADP
cjfa-21483	196	4	capital	capital	NOUN
cjfa-21483	196	5	in	in	ADP
cjfa-21483	196	6	financial	financial	ADJ
cjfa-21483	196	7	institutions	institution	NOUN
cjfa-21483	196	8	.	.	PUNCT
cjfa-21483	197	1	journal	journal	PROPN
cjfa-21483	197	2	of	of	ADP
cjfa-21483	197	3	banking	banking	NOUN
cjfa-21483	197	4	&	&	CCONJ
cjfa-21483	197	5	finance	finance	PROPN
cjfa-21483	197	6	,	,	PUNCT
cjfa-21483	197	7	19(3/4	19(3/4	NUM
cjfa-21483	197	8	)	)	PUNCT
cjfa-21483	197	9	,	,	PUNCT
cjfa-21483	197	10	393	393	NUM
cjfa-21483	197	11	-	-	SYM
cjfa-21483	197	12	430	430	NUM
cjfa-21483	197	13	.	.	PUNCT
cjfa-21483	198	1	bessis	bessis	NOUN
cjfa-21483	198	2	,	,	PUNCT
cjfa-21483	198	3	j.	j.	PROPN
cjfa-21483	198	4	(	(	PUNCT
cjfa-21483	198	5	1998	1998	NUM
cjfa-21483	198	6	)	)	PUNCT
cjfa-21483	198	7	.	.	PUNCT
cjfa-21483	199	1	risk	risk	NOUN
cjfa-21483	199	2	management	management	NOUN
cjfa-21483	199	3	in	in	ADP
cjfa-21483	199	4	banking	banking	NOUN
cjfa-21483	199	5	.	.	PUNCT
cjfa-21483	200	1	new	new	PROPN
cjfa-21483	200	2	york	york	PROPN
cjfa-21483	200	3	,	,	PUNCT
cjfa-21483	200	4	ny	ny	PROPN
cjfa-21483	200	5	:	:	PUNCT
cjfa-21483	200	6	john	john	PROPN
cjfa-21483	200	7	wiley	wiley	PROPN
cjfa-21483	200	8	&	&	CCONJ
cjfa-21483	200	9	sons	son	NOUN
cjfa-21483	200	10	.	.	PUNCT
cjfa-21483	201	1	blaikie	blaikie	NOUN
cjfa-21483	201	2	,	,	PUNCT
cjfa-21483	201	3	n.	n.	NOUN
cjfa-21483	201	4	,	,	PUNCT
cjfa-21483	201	5	&	&	CCONJ
cjfa-21483	201	6	priest	priest	PROPN
cjfa-21483	201	7	,	,	PUNCT
cjfa-21483	201	8	j.	j.	PROPN
cjfa-21483	201	9	(	(	PUNCT
cjfa-21483	201	10	2019	2019	NUM
cjfa-21483	201	11	)	)	PUNCT
cjfa-21483	201	12	.	.	PUNCT
cjfa-21483	202	1	designing	design	VERB
cjfa-21483	202	2	social	social	ADJ
cjfa-21483	202	3	research	research	NOUN
cjfa-21483	202	4	:	:	PUNCT
cjfa-21483	202	5	the	the	DET
cjfa-21483	202	6	logic	logic	NOUN
cjfa-21483	202	7	of	of	ADP
cjfa-21483	202	8	anticipation	anticipation	NOUN
cjfa-21483	202	9	.	.	PUNCT
cjfa-21483	203	1	new	new	PROPN
cjfa-21483	203	2	york	york	PROPN
cjfa-21483	203	3	,	,	PUNCT
cjfa-21483	203	4	ny	ny	PROPN
cjfa-21483	203	5	:	:	PUNCT
cjfa-21483	203	6	john	john	PROPN
cjfa-21483	203	7	wiley	wiley	PROPN
cjfa-21483	203	8	&	&	CCONJ
cjfa-21483	203	9	sons	son	NOUN
cjfa-21483	203	10	.	.	PUNCT
cjfa-21483	204	1	integration	integration	NOUN
cjfa-21483	204	2	of	of	ADP
cjfa-21483	204	3	financial	financial	ADJ
cjfa-21483	204	4	risks	risk	NOUN
cjfa-21483	204	5	with	with	ADP
cjfa-21483	204	6	non	non	ADJ
cjfa-21483	204	7	-	-	ADJ
cjfa-21483	204	8	financial	financial	ADJ
cjfa-21483	204	9	risks	risk	NOUN
cjfa-21483	204	10	…	…	PUNCT
cjfa-21483	204	11	63	63	NUM
cjfa-21483	204	12	bouchet	bouchet	NOUN
cjfa-21483	204	13	,	,	PUNCT
cjfa-21483	204	14	m.h	m.h	PROPN
cjfa-21483	204	15	.	.	PROPN
cjfa-21483	204	16	,	,	PUNCT
cjfa-21483	204	17	fishkin	fishkin	PROPN
cjfa-21483	204	18	,	,	PUNCT
cjfa-21483	204	19	c.a	c.a	PROPN
cjfa-21483	204	20	.	.	PROPN
cjfa-21483	204	21	,	,	PUNCT
cjfa-21483	204	22	&	&	CCONJ
cjfa-21483	204	23	goguel	goguel	PROPN
cjfa-21483	204	24	,	,	PUNCT
cjfa-21483	204	25	a.	a.	NOUN
cjfa-21483	204	26	(	(	PUNCT
cjfa-21483	204	27	2018	2018	NUM
cjfa-21483	204	28	)	)	PUNCT
cjfa-21483	204	29	.	.	PUNCT
cjfa-21483	205	1	country	country	NOUN
cjfa-21483	205	2	risk	risk	NOUN
cjfa-21483	205	3	mitigation	mitigation	NOUN
cjfa-21483	205	4	strategies	strategy	NOUN
cjfa-21483	205	5	.	.	PUNCT
cjfa-21483	206	1	in	in	ADP
cjfa-21483	206	2	m.h	m.h	PROPN
cjfa-21483	206	3	.	.	PROPN
cjfa-21483	206	4	bouchet	bouchet	PROPN
cjfa-21483	206	5	,	,	PUNCT
cjfa-21483	206	6	c.a	c.a	PROPN
cjfa-21483	206	7	.	.	PROPN
cjfa-21483	206	8	fishkin	fishkin	PROPN
cjfa-21483	206	9	,	,	PUNCT
cjfa-21483	206	10	a.	a.	NOUN
cjfa-21483	206	11	goguel	goguel	NOUN
cjfa-21483	206	12	(	(	PUNCT
cjfa-21483	206	13	eds	ed	NOUN
cjfa-21483	206	14	.	.	PUNCT
cjfa-21483	206	15	)	)	PUNCT
cjfa-21483	206	16	.	.	PUNCT
cjfa-21483	207	1	managing	manage	VERB
cjfa-21483	207	2	country	country	NOUN
cjfa-21483	207	3	risk	risk	NOUN
cjfa-21483	207	4	in	in	ADP
cjfa-21483	207	5	an	an	DET
cjfa-21483	207	6	age	age	NOUN
cjfa-21483	207	7	of	of	ADP
cjfa-21483	207	8	globalization	globalization	NOUN
cjfa-21483	207	9	.	.	PUNCT
cjfa-21483	208	1	cham	cham	PROPN
cjfa-21483	208	2	:	:	PUNCT
cjfa-21483	208	3	palgrave	palgrave	PROPN
cjfa-21483	208	4	macmillan	macmillan	PROPN
cjfa-21483	208	5	.	.	PUNCT
cjfa-21483	209	1	bovenberg	bovenberg	PROPN
cjfa-21483	209	2	,	,	PUNCT
cjfa-21483	209	3	l.	l.	PROPN
cjfa-21483	209	4	,	,	PUNCT
cjfa-21483	209	5	&	&	CCONJ
cjfa-21483	209	6	nijman	nijman	NOUN
cjfa-21483	209	7	,	,	PUNCT
cjfa-21483	209	8	t.	t.	PROPN
cjfa-21483	209	9	(	(	PUNCT
cjfa-21483	209	10	2017	2017	NUM
cjfa-21483	209	11	)	)	PUNCT
cjfa-21483	209	12	.	.	PUNCT
cjfa-21483	210	1	personal	personal	ADJ
cjfa-21483	210	2	pensions	pension	NOUN
cjfa-21483	210	3	with	with	ADP
cjfa-21483	210	4	risk	risk	NOUN
cjfa-21483	210	5	sharing	sharing	NOUN
cjfa-21483	210	6	.	.	PUNCT
cjfa-21483	211	1	journal	journal	NOUN
cjfa-21483	211	2	of	of	ADP
cjfa-21483	211	3	pension	pension	NOUN
cjfa-21483	211	4	economics	economic	NOUN
cjfa-21483	211	5	&	&	CCONJ
cjfa-21483	211	6	finance	finance	PROPN
cjfa-21483	211	7	,	,	PUNCT
cjfa-21483	211	8	16(4	16(4	NUM
cjfa-21483	211	9	)	)	PUNCT
cjfa-21483	211	10	,	,	PUNCT
cjfa-21483	211	11	450	450	NUM
cjfa-21483	211	12	-	-	SYM
cjfa-21483	211	13	466	466	NUM
cjfa-21483	211	14	.	.	PUNCT
cjfa-21483	211	15	bryman	bryman	PROPN
cjfa-21483	211	16	,	,	PUNCT
cjfa-21483	211	17	a.	a.	NOUN
cjfa-21483	211	18	,	,	PUNCT
cjfa-21483	211	19	&	&	CCONJ
cjfa-21483	211	20	bell	bell	PROPN
cjfa-21483	211	21	,	,	PUNCT
cjfa-21483	211	22	e.	e.	PROPN
cjfa-21483	211	23	(	(	PUNCT
cjfa-21483	211	24	2008	2008	NUM
cjfa-21483	211	25	)	)	PUNCT
cjfa-21483	211	26	.	.	PUNCT
cjfa-21483	212	1	business	business	NOUN
cjfa-21483	212	2	research	research	NOUN
cjfa-21483	212	3	methods	method	NOUN
cjfa-21483	212	4	.	.	PUNCT
cjfa-21483	213	1	2	2	X
cjfa-21483	213	2	.	.	X
cjfa-21483	214	1	ed	ed	NOUN
cjfa-21483	214	2	.	.	PUNCT
cjfa-21483	215	1	oxford	oxford	PROPN
cjfa-21483	215	2	:	:	PUNCT
cjfa-21483	215	3	oxford	oxford	PROPN
cjfa-21483	215	4	university	university	PROPN
cjfa-21483	215	5	press	press	NOUN
cjfa-21483	215	6	.	.	PUNCT
cjfa-21483	216	1	butler	butler	PROPN
cjfa-21483	216	2	,	,	PUNCT
cjfa-21483	216	3	t.	t.	PROPN
cjfa-21483	216	4	,	,	PUNCT
cjfa-21483	216	5	&	&	CCONJ
cjfa-21483	216	6	o’brien	o’brien	PROPN
cjfa-21483	216	7	,	,	PUNCT
cjfa-21483	216	8	l.	l.	PROPN
cjfa-21483	216	9	(	(	PUNCT
cjfa-21483	216	10	2019	2019	NUM
cjfa-21483	216	11	)	)	PUNCT
cjfa-21483	216	12	.	.	PUNCT
cjfa-21483	217	1	understanding	understand	VERB
cjfa-21483	217	2	regtech	regtech	NOUN
cjfa-21483	217	3	for	for	ADP
cjfa-21483	217	4	digital	digital	ADJ
cjfa-21483	217	5	regulatory	regulatory	ADJ
cjfa-21483	217	6	compliance	compliance	NOUN
cjfa-21483	217	7	.	.	PUNCT
cjfa-21483	218	1	in	in	ADP
cjfa-21483	218	2	t.	t.	PROPN
cjfa-21483	218	3	lynn	lynn	PROPN
cjfa-21483	218	4	,	,	PUNCT
cjfa-21483	218	5	j.g	j.g	PROPN
cjfa-21483	218	6	.	.	PROPN
cjfa-21483	218	7	mooney	mooney	PROPN
cjfa-21483	218	8	,	,	PUNCT
cjfa-21483	218	9	p.	p.	PROPN
cjfa-21483	218	10	rosati	rosati	PROPN
cjfa-21483	218	11	,	,	PUNCT
cjfa-21483	218	12	m.	m.	NOUN
cjfa-21483	218	13	cummins	cummin	NOUN
cjfa-21483	218	14	(	(	PUNCT
cjfa-21483	218	15	eds	ed	NOUN
cjfa-21483	218	16	.	.	PUNCT
cjfa-21483	218	17	)	)	PUNCT
cjfa-21483	218	18	.	.	PUNCT
cjfa-21483	219	1	disrupting	disrupt	VERB
cjfa-21483	219	2	finance	finance	NOUN
cjfa-21483	219	3	.	.	PUNCT
cjfa-21483	220	1	cham	cham	PROPN
cjfa-21483	220	2	:	:	PUNCT
cjfa-21483	220	3	palgrave	palgrave	ADJ
cjfa-21483	220	4	pivot	pivot	NOUN
cjfa-21483	220	5	.	.	PUNCT
cjfa-21483	221	1	bui	bui	PROPN
cjfa-21483	221	2	,	,	PUNCT
cjfa-21483	221	3	c.	c.	NOUN
cjfa-21483	221	4	(	(	PUNCT
cjfa-21483	221	5	2019	2019	NUM
cjfa-21483	221	6	)	)	PUNCT
cjfa-21483	221	7	.	.	PUNCT
cjfa-21483	222	1	bank	bank	NOUN
cjfa-21483	222	2	regulation	regulation	NOUN
cjfa-21483	222	3	and	and	CCONJ
cjfa-21483	222	4	financial	financial	ADJ
cjfa-21483	222	5	stability	stability	NOUN
cjfa-21483	222	6	.	.	PUNCT
cjfa-21483	223	1	doctoral	doctoral	ADJ
cjfa-21483	223	2	dissertation	dissertation	NOUN
cjfa-21483	223	3	.	.	PUNCT
cjfa-21483	224	1	cichulska	cichulska	PROPN
cjfa-21483	224	2	,	,	PUNCT
cjfa-21483	224	3	a.	a.	PROPN
cjfa-21483	224	4	,	,	PUNCT
cjfa-21483	224	5	&	&	CCONJ
cjfa-21483	224	6	wisniewski	wisniewski	PROPN
cjfa-21483	224	7	,	,	PUNCT
cjfa-21483	224	8	r.	r.	PROPN
cjfa-21483	224	9	(	(	PUNCT
cjfa-21483	224	10	2017	2017	NUM
cjfa-21483	224	11	)	)	PUNCT
cjfa-21483	224	12	.	.	PUNCT
cjfa-21483	225	1	issue	issue	NOUN
cjfa-21483	225	2	of	of	ADP
cjfa-21483	225	3	risk	risk	NOUN
cjfa-21483	225	4	in	in	ADP
cjfa-21483	225	5	literature	literature	NOUN
cjfa-21483	225	6	.	.	PUNCT
cjfa-21483	226	1	real	real	ADJ
cjfa-21483	226	2	estate	estate	NOUN
cjfa-21483	226	3	management	management	NOUN
cjfa-21483	226	4	and	and	CCONJ
cjfa-21483	226	5	valuation	valuation	NOUN
cjfa-21483	226	6	,	,	PUNCT
cjfa-21483	226	7	25(3	25(3	NUM
cjfa-21483	226	8	)	)	PUNCT
cjfa-21483	226	9	,	,	PUNCT
cjfa-21483	226	10	74	74	NUM
cjfa-21483	226	11	-	-	SYM
cjfa-21483	226	12	86	86	NUM
cjfa-21483	226	13	.	.	PUNCT
cjfa-21483	227	1	costa	costa	NOUN
cjfa-21483	227	2	-	-	PUNCT
cjfa-21483	227	3	climent	climent	PROPN
cjfa-21483	227	4	,	,	PUNCT
cjfa-21483	227	5	r.	r.	PROPN
cjfa-21483	227	6	,	,	PUNCT
cjfa-21483	227	7	&	&	CCONJ
cjfa-21483	227	8	martínez	martínez	PROPN
cjfa-21483	227	9	-	-	PUNCT
cjfa-21483	227	10	climent	climent	PROPN
cjfa-21483	227	11	,	,	PUNCT
cjfa-21483	227	12	c.	c.	PROPN
cjfa-21483	227	13	(	(	PUNCT
cjfa-21483	227	14	2018	2018	NUM
cjfa-21483	227	15	)	)	PUNCT
cjfa-21483	227	16	.	.	PUNCT
cjfa-21483	228	1	sustainable	sustainable	ADJ
cjfa-21483	228	2	profitability	profitability	NOUN
cjfa-21483	228	3	of	of	ADP
cjfa-21483	228	4	ethical	ethical	ADJ
cjfa-21483	228	5	and	and	CCONJ
cjfa-21483	228	6	conventional	conventional	ADJ
cjfa-21483	228	7	banking	banking	NOUN
cjfa-21483	228	8	.	.	PUNCT
cjfa-21483	229	1	contemporary	contemporary	ADJ
cjfa-21483	229	2	economics	economic	NOUN
cjfa-21483	229	3	,	,	PUNCT
cjfa-21483	229	4	12(4	12(4	NUM
cjfa-21483	229	5	)	)	PUNCT
cjfa-21483	229	6	,	,	PUNCT
cjfa-21483	229	7	519	519	NUM
cjfa-21483	229	8	-	-	SYM
cjfa-21483	229	9	530	530	NUM
cjfa-21483	229	10	.	.	PUNCT
cjfa-21483	230	1	creswell	creswell	PROPN
cjfa-21483	230	2	,	,	PUNCT
cjfa-21483	230	3	j.w	j.w	PROPN
cjfa-21483	230	4	.	.	PROPN
cjfa-21483	230	5	(	(	PUNCT
cjfa-21483	230	6	2003	2003	NUM
cjfa-21483	230	7	)	)	PUNCT
cjfa-21483	230	8	.	.	PUNCT
cjfa-21483	231	1	research	research	NOUN
cjfa-21483	231	2	design	design	PROPN
cjfa-21483	231	3	:	:	PUNCT
cjfa-21483	231	4	qualitative	qualitative	NOUN
cjfa-21483	231	5	,	,	PUNCT
cjfa-21483	231	6	quantitative	quantitative	ADJ
cjfa-21483	231	7	,	,	PUNCT
cjfa-21483	231	8	and	and	CCONJ
cjfa-21483	231	9	mixed	mixed	ADJ
cjfa-21483	231	10	methods	method	NOUN
cjfa-21483	231	11	approaches	approach	NOUN
cjfa-21483	231	12	.	.	PUNCT
cjfa-21483	232	1	(	(	PUNCT
cjfa-21483	232	2	2nd	2nd	ADJ
cjfa-21483	232	3	ed	ed	NOUN
cjfa-21483	232	4	.	.	PUNCT
cjfa-21483	232	5	)	)	PUNCT
cjfa-21483	232	6	.	.	PUNCT
cjfa-21483	233	1	thousand	thousand	NUM
cjfa-21483	233	2	oaks	oak	NOUN
cjfa-21483	233	3	,	,	PUNCT
cjfa-21483	233	4	ca	can	AUX
cjfa-21483	233	5	:	:	PUNCT
cjfa-21483	233	6	sage	sage	VERB
cjfa-21483	233	7	.	.	PUNCT
cjfa-21483	234	1	de	de	ADP
cjfa-21483	234	2	fontnouvelle	fontnouvelle	PROPN
cjfa-21483	234	3	,	,	PUNCT
cjfa-21483	234	4	p.	p.	PROPN
cjfa-21483	234	5	,	,	PUNCT
cjfa-21483	234	6	jordan	jordan	PROPN
cjfa-21483	234	7	,	,	PUNCT
cjfa-21483	234	8	j.	j.	PROPN
cjfa-21483	234	9	,	,	PUNCT
cjfa-21483	234	10	&	&	CCONJ
cjfa-21483	234	11	rosengren	rosengren	PROPN
cjfa-21483	234	12	,	,	PUNCT
cjfa-21483	234	13	e.	e.	PROPN
cjfa-21483	234	14	(	(	PUNCT
cjfa-21483	234	15	2006	2006	NUM
cjfa-21483	234	16	)	)	PUNCT
cjfa-21483	234	17	.	.	PUNCT
cjfa-21483	235	1	implications	implication	NOUN
cjfa-21483	235	2	of	of	ADP
cjfa-21483	235	3	alternative	alternative	ADJ
cjfa-21483	235	4	operational	operational	ADJ
cjfa-21483	235	5	risk	risk	NOUN
cjfa-21483	235	6	modeling	model	VERB
cjfa-21483	235	7	techniques	technique	NOUN
cjfa-21483	235	8	.	.	PUNCT
cjfa-21483	236	1	in	in	ADP
cjfa-21483	236	2	m.	m.	PROPN
cjfa-21483	236	3	carey	carey	PROPN
cjfa-21483	236	4	,	,	PUNCT
cjfa-21483	236	5	r.	r.	PROPN
cjfa-21483	236	6	stulz	stulz	PROPN
cjfa-21483	236	7	(	(	PUNCT
cjfa-21483	236	8	eds	ed	NOUN
cjfa-21483	236	9	.	.	PUNCT
cjfa-21483	236	10	)	)	PUNCT
cjfa-21483	236	11	.	.	PUNCT
cjfa-21483	237	1	risks	risk	NOUN
cjfa-21483	237	2	of	of	ADP
cjfa-21483	237	3	financial	financial	ADJ
cjfa-21483	237	4	institutions	institution	NOUN
cjfa-21483	237	5	.	.	PUNCT
cjfa-21483	238	1	chicago	chicago	PROPN
cjfa-21483	238	2	,	,	PUNCT
cjfa-21483	238	3	il	il	PROPN
cjfa-21483	238	4	:	:	PUNCT
cjfa-21483	238	5	university	university	PROPN
cjfa-21483	238	6	of	of	ADP
cjfa-21483	238	7	chicago	chicago	PROPN
cjfa-21483	238	8	press	press	NOUN
cjfa-21483	238	9	.	.	PUNCT
cjfa-21483	239	1	galli	galli	NOUN
cjfa-21483	239	2	,	,	PUNCT
cjfa-21483	239	3	b.j	b.j	PROPN
cjfa-21483	239	4	.	.	PROPN
cjfa-21483	239	5	(	(	PUNCT
cjfa-21483	239	6	2019	2019	NUM
cjfa-21483	239	7	)	)	PUNCT
cjfa-21483	239	8	.	.	PUNCT
cjfa-21483	240	1	economic	economic	ADJ
cjfa-21483	240	2	decision	decision	NOUN
cjfa-21483	240	3	making	making	NOUN
cjfa-21483	240	4	and	and	CCONJ
cjfa-21483	240	5	risk	risk	NOUN
cjfa-21483	240	6	management	management	NOUN
cjfa-21483	240	7	:	:	PUNCT
cjfa-21483	240	8	how	how	SCONJ
cjfa-21483	240	9	they	they	PRON
cjfa-21483	240	10	can	can	AUX
cjfa-21483	240	11	relate	relate	VERB
cjfa-21483	240	12	.	.	PUNCT
cjfa-21483	241	1	international	international	ADJ
cjfa-21483	241	2	journal	journal	NOUN
cjfa-21483	241	3	of	of	ADP
cjfa-21483	241	4	risk	risk	NOUN
cjfa-21483	241	5	and	and	CCONJ
cjfa-21483	241	6	contingency	contingency	NOUN
cjfa-21483	241	7	management	management	NOUN
cjfa-21483	241	8	(	(	PUNCT
cjfa-21483	241	9	ijrcm	ijrcm	PROPN
cjfa-21483	241	10	)	)	PUNCT
cjfa-21483	241	11	,	,	PUNCT
cjfa-21483	241	12	8(1	8(1	NOUN
cjfa-21483	241	13	)	)	PUNCT
cjfa-21483	241	14	,	,	PUNCT
cjfa-21483	241	15	34	34	NUM
cjfa-21483	241	16	-	-	SYM
cjfa-21483	241	17	58	58	NUM
cjfa-21483	241	18	.	.	PUNCT
cjfa-21483	242	1	gross	gross	ADJ
cjfa-21483	242	2	,	,	PUNCT
cjfa-21483	242	3	d.b	d.b	PROPN
cjfa-21483	242	4	.	.	PROPN
cjfa-21483	242	5	,	,	PUNCT
cjfa-21483	242	6	&	&	CCONJ
cjfa-21483	242	7	souleles	souleles	PROPN
cjfa-21483	242	8	n.s	n.s	PROPN
cjfa-21483	242	9	.	.	PROPN
cjfa-21483	242	10	(	(	PUNCT
cjfa-21483	242	11	2002	2002	NUM
cjfa-21483	242	12	)	)	PUNCT
cjfa-21483	242	13	.	.	PUNCT
cjfa-21483	243	1	an	an	DET
cjfa-21483	243	2	empirical	empirical	ADJ
cjfa-21483	243	3	analysis	analysis	NOUN
cjfa-21483	243	4	of	of	ADP
cjfa-21483	243	5	personal	personal	ADJ
cjfa-21483	243	6	bankruptcy	bankruptcy	NOUN
cjfa-21483	243	7	and	and	CCONJ
cjfa-21483	243	8	delinquency	delinquency	NOUN
cjfa-21483	243	9	.	.	PUNCT
cjfa-21483	244	1	review	review	NOUN
cjfa-21483	244	2	of	of	ADP
cjfa-21483	244	3	financial	financial	ADJ
cjfa-21483	244	4	studies	study	NOUN
cjfa-21483	244	5	,	,	PUNCT
cjfa-21483	244	6	15	15	NUM
cjfa-21483	244	7	,	,	PUNCT
cjfa-21483	244	8	319	319	NUM
cjfa-21483	244	9	-	-	SYM
cjfa-21483	244	10	347	347	NUM
cjfa-21483	244	11	.	.	PUNCT
cjfa-21483	245	1	guba	guba	NOUN
cjfa-21483	245	2	,	,	PUNCT
cjfa-21483	245	3	e.g.	e.g.	ADV
cjfa-21483	245	4	,	,	PUNCT
cjfa-21483	245	5	&	&	CCONJ
cjfa-21483	245	6	lincoln	lincoln	PROPN
cjfa-21483	245	7	,	,	PUNCT
cjfa-21483	245	8	y.s	y.s	PROPN
cjfa-21483	245	9	.	.	PROPN
cjfa-21483	245	10	(	(	PUNCT
cjfa-21483	245	11	1989	1989	NUM
cjfa-21483	245	12	)	)	PUNCT
cjfa-21483	245	13	.	.	PUNCT
cjfa-21483	246	1	fourth	fourth	ADJ
cjfa-21483	246	2	generation	generation	NOUN
cjfa-21483	246	3	evaluation	evaluation	NOUN
cjfa-21483	246	4	.	.	PUNCT
cjfa-21483	247	1	newbury	newbury	PROPN
cjfa-21483	247	2	park	park	PROPN
cjfa-21483	247	3	,	,	PUNCT
cjfa-21483	247	4	ca	can	AUX
cjfa-21483	247	5	:	:	PUNCT
cjfa-21483	247	6	sage	sage	VERB
cjfa-21483	247	7	.	.	PUNCT
cjfa-21483	248	1	hargarter	hargarter	NOUN
cjfa-21483	248	2	,	,	PUNCT
cjfa-21483	248	3	a.	a.	PROPN
cjfa-21483	248	4	,	,	PUNCT
cjfa-21483	248	5	&	&	CCONJ
cjfa-21483	248	6	van	van	PROPN
cjfa-21483	248	7	vuuren	vuuren	PROPN
cjfa-21483	248	8	,	,	PUNCT
cjfa-21483	248	9	g.	g.	PROPN
cjfa-21483	248	10	(	(	PUNCT
cjfa-21483	248	11	2017	2017	NUM
cjfa-21483	248	12	)	)	PUNCT
cjfa-21483	248	13	.	.	PUNCT
cjfa-21483	249	1	assembly	assembly	NOUN
cjfa-21483	249	2	of	of	ADP
cjfa-21483	249	3	a	a	DET
cjfa-21483	249	4	conduct	conduct	NOUN
cjfa-21483	249	5	risk	risk	NOUN
cjfa-21483	249	6	regulatory	regulatory	ADJ
cjfa-21483	249	7	model	model	NOUN
cjfa-21483	249	8	for	for	ADP
cjfa-21483	249	9	developing	develop	VERB
cjfa-21483	249	10	market	market	NOUN
cjfa-21483	249	11	banks	bank	NOUN
cjfa-21483	249	12	.	.	PUNCT
cjfa-21483	250	1	south	south	ADJ
cjfa-21483	250	2	african	african	ADJ
cjfa-21483	250	3	journal	journal	PROPN
cjfa-21483	250	4	of	of	ADP
cjfa-21483	250	5	economic	economic	ADJ
cjfa-21483	250	6	and	and	CCONJ
cjfa-21483	250	7	management	management	NOUN
cjfa-21483	250	8	sciences	science	NOUN
cjfa-21483	250	9	,	,	PUNCT
cjfa-21483	250	10	20(1	20(1	NUM
cjfa-21483	250	11	)	)	PUNCT
cjfa-21483	250	12	,	,	PUNCT
cjfa-21483	250	13	1	1	NUM
cjfa-21483	250	14	-	-	SYM
cjfa-21483	250	15	11	11	NUM
cjfa-21483	250	16	.	.	PUNCT
cjfa-21483	251	1	hargovan	hargovan	PROPN
cjfa-21483	251	2	,	,	PUNCT
cjfa-21483	251	3	a.	a.	NOUN
cjfa-21483	251	4	(	(	PUNCT
cjfa-21483	251	5	2019	2019	NUM
cjfa-21483	251	6	)	)	PUNCT
cjfa-21483	251	7	.	.	PUNCT
cjfa-21483	252	1	chartered	chartered	PROPN
cjfa-21483	252	2	secretary	secretary	PROPN
cjfa-21483	252	3	:	:	PUNCT
cjfa-21483	252	4	banking	bank	VERB
cjfa-21483	252	5	royal	royal	ADJ
cjfa-21483	252	6	commission	commission	PROPN
cjfa-21483	252	7	final	final	ADJ
cjfa-21483	252	8	report	report	NOUN
cjfa-21483	252	9	:	:	PUNCT
cjfa-21483	252	10	cultural	cultural	ADJ
cjfa-21483	252	11	issues	issue	NOUN
cjfa-21483	252	12	and	and	CCONJ
cjfa-21483	252	13	implications	implication	NOUN
cjfa-21483	252	14	.	.	PUNCT
cjfa-21483	253	1	governance	governance	NOUN
cjfa-21483	253	2	directions	direction	NOUN
cjfa-21483	253	3	,	,	PUNCT
cjfa-21483	253	4	71(3	71(3	NUM
cjfa-21483	253	5	)	)	PUNCT
cjfa-21483	253	6	,	,	PUNCT
cjfa-21483	253	7	128	128	NUM
cjfa-21483	253	8	-	-	SYM
cjfa-21483	253	9	136	136	NUM
cjfa-21483	253	10	.	.	PUNCT
cjfa-21483	254	1	jorion	jorion	NOUN
cjfa-21483	254	2	,	,	PUNCT
cjfa-21483	254	3	p.	p.	NOUN
cjfa-21483	254	4	(	(	PUNCT
cjfa-21483	254	5	2000	2000	NUM
cjfa-21483	254	6	)	)	PUNCT
cjfa-21483	254	7	.	.	PUNCT
cjfa-21483	255	1	risk	risk	NOUN
cjfa-21483	255	2	management	management	NOUN
cjfa-21483	255	3	lessons	lesson	NOUN
cjfa-21483	255	4	from	from	ADP
cjfa-21483	255	5	long	long	ADJ
cjfa-21483	255	6	-	-	PUNCT
cjfa-21483	255	7	term	term	NOUN
cjfa-21483	255	8	capital	capital	NOUN
cjfa-21483	255	9	management	management	NOUN
cjfa-21483	255	10	.	.	PUNCT
cjfa-21483	256	1	european	european	ADJ
cjfa-21483	256	2	financial	financial	ADJ
cjfa-21483	256	3	management	management	NOUN
cjfa-21483	256	4	,	,	PUNCT
cjfa-21483	256	5	6	6	NUM
cjfa-21483	256	6	,	,	PUNCT
cjfa-21483	256	7	277	277	NUM
cjfa-21483	256	8	-	-	SYM
cjfa-21483	256	9	300	300	NUM
cjfa-21483	256	10	.	.	PUNCT
cjfa-21483	257	1	knight	knight	PROPN
cjfa-21483	257	2	,	,	PUNCT
cjfa-21483	257	3	f.h	f.h	PROPN
cjfa-21483	257	4	.	.	PROPN
cjfa-21483	257	5	(	(	PUNCT
cjfa-21483	257	6	1921	1921	NUM
cjfa-21483	257	7	)	)	PUNCT
cjfa-21483	257	8	.	.	PUNCT
cjfa-21483	258	1	risk	risk	NOUN
cjfa-21483	258	2	,	,	PUNCT
cjfa-21483	258	3	uncertainty	uncertainty	NOUN
cjfa-21483	258	4	,	,	PUNCT
cjfa-21483	258	5	and	and	CCONJ
cjfa-21483	258	6	profit	profit	NOUN
cjfa-21483	258	7	,	,	PUNCT
cjfa-21483	258	8	boston	boston	PROPN
cjfa-21483	258	9	,	,	PUNCT
cjfa-21483	258	10	ma	ma	PROPN
cjfa-21483	258	11	:	:	PUNCT
cjfa-21483	258	12	hart	hart	PROPN
cjfa-21483	258	13	,	,	PUNCT
cjfa-21483	258	14	schaffner	schaffner	PROPN
cjfa-21483	258	15	&	&	CCONJ
cjfa-21483	258	16	marx	marx	PROPN
cjfa-21483	258	17	;	;	PUNCT
cjfa-21483	258	18	houghton	houghton	PROPN
cjfa-21483	258	19	mifflin	mifflin	PROPN
cjfa-21483	258	20	company	company	PROPN
cjfa-21483	258	21	.	.	PUNCT
cjfa-21483	259	1	koch	koch	PROPN
cjfa-21483	259	2	,	,	PUNCT
cjfa-21483	259	3	t.w	t.w	PROPN
cjfa-21483	259	4	.	.	PROPN
cjfa-21483	259	5	,	,	PUNCT
cjfa-21483	259	6	&	&	CCONJ
cjfa-21483	259	7	macdonald	macdonald	PROPN
cjfa-21483	259	8	,	,	PUNCT
cjfa-21483	259	9	s.s	s.s	PROPN
cjfa-21483	259	10	.	.	PROPN
cjfa-21483	259	11	(	(	PUNCT
cjfa-21483	259	12	2000	2000	NUM
cjfa-21483	259	13	)	)	PUNCT
cjfa-21483	259	14	.	.	PUNCT
cjfa-21483	260	1	bank	bank	NOUN
cjfa-21483	260	2	management	management	NOUN
cjfa-21483	260	3	,	,	PUNCT
cjfa-21483	260	4	4th	4th	ADJ
cjfa-21483	260	5	ed	ed	NOUN
cjfa-21483	260	6	.	.	PUNCT
cjfa-21483	261	1	orlando	orlando	PROPN
cjfa-21483	261	2	,	,	PUNCT
cjfa-21483	261	3	fl	fl	PROPN
cjfa-21483	261	4	:	:	PUNCT
cjfa-21483	261	5	harcourt	harcourt	PROPN
cjfa-21483	261	6	inc	inc	PROPN
cjfa-21483	261	7	.	.	PROPN
cjfa-21483	261	8	kumor	kumor	PROPN
cjfa-21483	261	9	,	,	PUNCT
cjfa-21483	261	10	i.	i.	PROPN
cjfa-21483	261	11	,	,	PUNCT
cjfa-21483	261	12	&	&	CCONJ
cjfa-21483	261	13	poniatowska	poniatowska	PROPN
cjfa-21483	261	14	,	,	PUNCT
cjfa-21483	261	15	l.	l.	PROPN
cjfa-21483	261	16	(	(	PUNCT
cjfa-21483	261	17	2017	2017	NUM
cjfa-21483	261	18	)	)	PUNCT
cjfa-21483	261	19	.	.	PUNCT
cjfa-21483	262	1	the	the	DET
cjfa-21483	262	2	going	go	VERB
cjfa-21483	262	3	-	-	PUNCT
cjfa-21483	262	4	concern	concern	NOUN
cjfa-21483	262	5	assumption	assumption	NOUN
cjfa-21483	262	6	in	in	ADP
cjfa-21483	262	7	the	the	DET
cjfa-21483	262	8	assessment	assessment	NOUN
cjfa-21483	262	9	of	of	ADP
cjfa-21483	262	10	management	management	NOUN
cjfa-21483	262	11	and	and	CCONJ
cjfa-21483	262	12	auditors	auditor	NOUN
cjfa-21483	262	13	.	.	PUNCT
cjfa-21483	263	1	economic	economic	ADJ
cjfa-21483	263	2	and	and	CCONJ
cjfa-21483	263	3	social	social	ADJ
cjfa-21483	263	4	development	development	NOUN
cjfa-21483	263	5	:	:	PUNCT
cjfa-21483	263	6	book	book	NOUN
cjfa-21483	263	7	of	of	ADP
cjfa-21483	263	8	proceedings	proceeding	NOUN
cjfa-21483	263	9	,	,	PUNCT
cjfa-21483	263	10	804	804	NUM
cjfa-21483	263	11	-	-	SYM
cjfa-21483	263	12	812	812	NUM
cjfa-21483	263	13	.	.	PUNCT
cjfa-21483	264	1	kuritzkes	kuritzkes	PROPN
cjfa-21483	264	2	,	,	PUNCT
cjfa-21483	264	3	a.	a.	NOUN
cjfa-21483	264	4	,	,	PUNCT
cjfa-21483	264	5	schuermann	schuermann	PROPN
cjfa-21483	264	6	,	,	PUNCT
cjfa-21483	264	7	t.	t.	PROPN
cjfa-21483	264	8	,	,	PUNCT
cjfa-21483	264	9	&	&	CCONJ
cjfa-21483	264	10	weiner	weiner	NOUN
cjfa-21483	264	11	,	,	PUNCT
cjfa-21483	264	12	s.m	s.m	PROPN
cjfa-21483	264	13	.	.	PROPN
cjfa-21483	264	14	(	(	PUNCT
cjfa-21483	264	15	2003	2003	NUM
cjfa-21483	264	16	)	)	PUNCT
cjfa-21483	264	17	.	.	PUNCT
cjfa-21483	265	1	risk	risk	NOUN
cjfa-21483	265	2	measurement	measurement	NOUN
cjfa-21483	265	3	,	,	PUNCT
cjfa-21483	265	4	risk	risk	NOUN
cjfa-21483	265	5	management	management	NOUN
cjfa-21483	265	6	and	and	CCONJ
cjfa-21483	265	7	capital	capital	NOUN
cjfa-21483	265	8	adequacy	adequacy	NOUN
cjfa-21483	265	9	of	of	ADP
cjfa-21483	265	10	financial	financial	ADJ
cjfa-21483	265	11	conglomerates	conglomerate	NOUN
cjfa-21483	265	12	.	.	PUNCT
cjfa-21483	266	1	in	in	ADP
cjfa-21483	266	2	r.	r.	PROPN
cjfa-21483	266	3	herring	herring	PROPN
cjfa-21483	266	4	,	,	PUNCT
cjfa-21483	266	5	r.	r.	PROPN
cjfa-21483	266	6	litan	litan	PROPN
cjfa-21483	266	7	(	(	PUNCT
cjfa-21483	266	8	eds	ed	NOUN
cjfa-21483	266	9	.	.	PUNCT
cjfa-21483	266	10	)	)	PUNCT
cjfa-21483	266	11	.	.	PUNCT
cjfa-21483	267	1	brookings	brookings	PROPN
cjfa-21483	267	2	-	-	PUNCT
cjfa-21483	267	3	wharton	wharton	PROPN
cjfa-21483	267	4	papers	paper	NOUN
cjfa-21483	267	5	in	in	ADP
cjfa-21483	267	6	financial	financial	ADJ
cjfa-21483	267	7	services	service	NOUN
cjfa-21483	267	8	.	.	PUNCT
cjfa-21483	268	1	washington	washington	PROPN
cjfa-21483	268	2	:	:	PUNCT
cjfa-21483	268	3	brookings	brookings	PROPN
cjfa-21483	268	4	institution	institution	NOUN
cjfa-21483	268	5	press	press	PROPN
cjfa-21483	268	6	.	.	PUNCT
cjfa-21483	269	1	syed	syed	PROPN
cjfa-21483	269	2	alamdar	alamdar	PROPN
cjfa-21483	269	3	ali	ali	PROPN
cjfa-21483	269	4	shah64	shah64	PROPN
cjfa-21483	269	5	kuritzkes	kuritzkes	PROPN
cjfa-21483	269	6	,	,	PUNCT
cjfa-21483	269	7	a.	a.	PROPN
cjfa-21483	269	8	,	,	PUNCT
cjfa-21483	269	9	&	&	CCONJ
cjfa-21483	269	10	schuermann	schuermann	PROPN
cjfa-21483	269	11	,	,	PUNCT
cjfa-21483	269	12	t.	t.	PROPN
cjfa-21483	269	13	(	(	PUNCT
cjfa-21483	269	14	2010	2010	NUM
cjfa-21483	269	15	)	)	PUNCT
cjfa-21483	269	16	.	.	PUNCT
cjfa-21483	270	1	a	a	DET
cjfa-21483	270	2	view	view	NOUN
cjfa-21483	270	3	from	from	ADP
cjfa-21483	270	4	the	the	DET
cjfa-21483	270	5	trenches	trench	NOUN
cjfa-21483	270	6	.	.	PUNCT
cjfa-21483	271	1	the	the	DET
cjfa-21483	271	2	known	know	VERB
cjfa-21483	271	3	,	,	PUNCT
cjfa-21483	271	4	the	the	DET
cjfa-21483	271	5	unknown	unknown	ADJ
cjfa-21483	271	6	,	,	PUNCT
cjfa-21483	271	7	and	and	CCONJ
cjfa-21483	271	8	the	the	DET
cjfa-21483	271	9	unknowable	unknowable	ADJ
cjfa-21483	271	10	in	in	ADP
cjfa-21483	271	11	financial	financial	ADJ
cjfa-21483	271	12	risk	risk	NOUN
cjfa-21483	271	13	management	management	NOUN
cjfa-21483	271	14	:	:	PUNCT
cjfa-21483	271	15	measurement	measurement	NOUN
cjfa-21483	271	16	and	and	CCONJ
cjfa-21483	271	17	theory	theory	NOUN
cjfa-21483	271	18	advancing	advance	VERB
cjfa-21483	271	19	practice	practice	NOUN
cjfa-21483	271	20	,	,	PUNCT
cjfa-21483	271	21	103	103	NUM
cjfa-21483	271	22	.	.	PUNCT
cjfa-21483	272	1	kuritzkes	kuritzke	NOUN
cjfa-21483	272	2	,	,	PUNCT
cjfa-21483	272	3	a.	a.	NOUN
cjfa-21483	272	4	,	,	PUNCT
cjfa-21483	272	5	&	&	CCONJ
cjfa-21483	272	6	scott	scott	PROPN
cjfa-21483	272	7	,	,	PUNCT
cjfa-21483	272	8	h.	h.	PROPN
cjfa-21483	272	9	(	(	PUNCT
cjfa-21483	272	10	2005	2005	NUM
cjfa-21483	272	11	)	)	PUNCT
cjfa-21483	272	12	.	.	PUNCT
cjfa-21483	273	1	sizing	size	VERB
cjfa-21483	273	2	operational	operational	ADJ
cjfa-21483	273	3	risk	risk	NOUN
cjfa-21483	273	4	and	and	CCONJ
cjfa-21483	273	5	the	the	DET
cjfa-21483	273	6	effect	effect	NOUN
cjfa-21483	273	7	of	of	ADP
cjfa-21483	273	8	insurance	insurance	NOUN
cjfa-21483	273	9	:	:	PUNCT
cjfa-21483	273	10	implications	implication	NOUN
cjfa-21483	273	11	for	for	ADP
cjfa-21483	273	12	the	the	DET
cjfa-21483	273	13	basel	basel	PROPN
cjfa-21483	273	14	ii	ii	PROPN
cjfa-21483	273	15	capital	capital	PROPN
cjfa-21483	273	16	accord	accord	NOUN
cjfa-21483	273	17	,	,	PUNCT
cjfa-21483	273	18	ch	ch	NOUN
cjfa-21483	273	19	.	.	PROPN
cjfa-21483	274	1	7	7	X
cjfa-21483	274	2	.	.	X
cjfa-21483	274	3	in	in	ADP
cjfa-21483	274	4	h.	h.	PROPN
cjfa-21483	274	5	scott	scott	PROPN
cjfa-21483	274	6	(	(	PUNCT
cjfa-21483	274	7	ed	ed	NOUN
cjfa-21483	274	8	.	.	PUNCT
cjfa-21483	274	9	)	)	PUNCT
cjfa-21483	274	10	.	.	PUNCT
cjfa-21483	275	1	capital	capital	NOUN
cjfa-21483	275	2	adequacy	adequacy	PROPN
cjfa-21483	275	3	:	:	PUNCT
cjfa-21483	275	4	law	law	NOUN
cjfa-21483	275	5	,	,	PUNCT
cjfa-21483	275	6	regulation	regulation	NOUN
cjfa-21483	275	7	,	,	PUNCT
cjfa-21483	275	8	and	and	CCONJ
cjfa-21483	275	9	implementation	implementation	NOUN
cjfa-21483	275	10	.	.	PUNCT
cjfa-21483	276	1	oxford	oxford	PROPN
cjfa-21483	276	2	,	,	PUNCT
cjfa-21483	276	3	uk	uk	PROPN
cjfa-21483	276	4	:	:	PUNCT
cjfa-21483	276	5	oxford	oxford	PROPN
cjfa-21483	276	6	university	university	PROPN
cjfa-21483	276	7	press	press	NOUN
cjfa-21483	276	8	.	.	PUNCT
cjfa-21483	277	1	marshall	marshall	PROPN
cjfa-21483	277	2	,	,	PUNCT
cjfa-21483	277	3	m.n	m.n	PROPN
cjfa-21483	277	4	.	.	PROPN
cjfa-21483	277	5	(	(	PUNCT
cjfa-21483	277	6	1996	1996	NUM
cjfa-21483	277	7	)	)	PUNCT
cjfa-21483	277	8	.	.	PUNCT
cjfa-21483	278	1	sampling	sample	VERB
cjfa-21483	278	2	for	for	ADP
cjfa-21483	278	3	qualitative	qualitative	ADJ
cjfa-21483	278	4	research	research	NOUN
cjfa-21483	278	5	.	.	PUNCT
cjfa-21483	279	1	family	family	NOUN
cjfa-21483	279	2	practice	practice	NOUN
cjfa-21483	279	3	,	,	PUNCT
cjfa-21483	279	4	13(6	13(6	NUM
cjfa-21483	279	5	)	)	PUNCT
cjfa-21483	279	6	,	,	PUNCT
cjfa-21483	279	7	522-	522-	NUM
cjfa-21483	279	8	 	 	SPACE
cjfa-21483	279	9	525	525	NUM
cjfa-21483	279	10	.	.	PUNCT
cjfa-21483	280	1	mburu	mburu	PROPN
cjfa-21483	280	2	,	,	PUNCT
cjfa-21483	280	3	m.n	m.n	PROPN
cjfa-21483	280	4	.	.	PROPN
cjfa-21483	280	5	(	(	PUNCT
cjfa-21483	280	6	2017	2017	NUM
cjfa-21483	280	7	)	)	PUNCT
cjfa-21483	280	8	.	.	PUNCT
cjfa-21483	281	1	impact	impact	NOUN
cjfa-21483	281	2	of	of	ADP
cjfa-21483	281	3	treasury	treasury	PROPN
cjfa-21483	281	4	risk	risk	NOUN
cjfa-21483	281	5	management	management	NOUN
cjfa-21483	281	6	on	on	ADP
cjfa-21483	281	7	the	the	DET
cjfa-21483	281	8	financial	financial	ADJ
cjfa-21483	281	9	performance	performance	NOUN
cjfa-21483	281	10	of	of	ADP
cjfa-21483	281	11	commercial	commercial	ADJ
cjfa-21483	281	12	banks	bank	NOUN
cjfa-21483	281	13	in	in	ADP
cjfa-21483	281	14	kenya	kenya	PROPN
cjfa-21483	281	15	.	.	PUNCT
cjfa-21483	282	1	doctoral	doctoral	ADJ
cjfa-21483	282	2	dissertation	dissertation	NOUN
cjfa-21483	282	3	,	,	PUNCT
cjfa-21483	282	4	kca	kca	PROPN
cjfa-21483	282	5	university	university	PROPN
cjfa-21483	282	6	.	.	PUNCT
cjfa-21483	283	1	misund	misund	PROPN
cjfa-21483	283	2	,	,	PUNCT
cjfa-21483	283	3	b.	b.	PROPN
cjfa-21483	283	4	(	(	PUNCT
cjfa-21483	283	5	2017	2017	NUM
cjfa-21483	283	6	)	)	PUNCT
cjfa-21483	283	7	.	.	PUNCT
cjfa-21483	284	1	financial	financial	ADJ
cjfa-21483	284	2	ratios	ratio	NOUN
cjfa-21483	284	3	and	and	CCONJ
cjfa-21483	284	4	prediction	prediction	NOUN
cjfa-21483	284	5	on	on	ADP
cjfa-21483	284	6	corporate	corporate	ADJ
cjfa-21483	284	7	bankruptcy	bankruptcy	NOUN
cjfa-21483	284	8	in	in	ADP
cjfa-21483	284	9	the	the	DET
cjfa-21483	284	10	atlantic	atlantic	PROPN
cjfa-21483	284	11	salmon	salmon	NOUN
cjfa-21483	284	12	industry	industry	NOUN
cjfa-21483	284	13	.	.	PUNCT
cjfa-21483	285	1	aquaculture	aquaculture	NOUN
cjfa-21483	285	2	economics	economic	NOUN
cjfa-21483	285	3	&	&	CCONJ
cjfa-21483	285	4	management	management	PROPN
cjfa-21483	285	5	,	,	PUNCT
cjfa-21483	285	6	21(2	21(2	NUM
cjfa-21483	285	7	)	)	PUNCT
cjfa-21483	285	8	,	,	PUNCT
cjfa-21483	285	9	241	241	NUM
cjfa-21483	285	10	-	-	SYM
cjfa-21483	285	11	260	260	NUM
cjfa-21483	285	12	.	.	PUNCT
cjfa-21483	286	1	musyoki	musyoki	PROPN
cjfa-21483	286	2	,	,	PUNCT
cjfa-21483	286	3	d.	d.	PROPN
cjfa-21483	286	4	,	,	PUNCT
cjfa-21483	286	5	&	&	CCONJ
cjfa-21483	286	6	komo	komo	PROPN
cjfa-21483	286	7	,	,	PUNCT
cjfa-21483	286	8	l.	l.	PROPN
cjfa-21483	286	9	(	(	PUNCT
cjfa-21483	286	10	2017	2017	NUM
cjfa-21483	286	11	)	)	PUNCT
cjfa-21483	286	12	.	.	PUNCT
cjfa-21483	287	1	risk	risk	NOUN
cjfa-21483	287	2	factors	factor	NOUN
cjfa-21483	287	3	and	and	CCONJ
cjfa-21483	287	4	enterprise	enterprise	NOUN
cjfa-21483	287	5	risk	risk	NOUN
cjfa-21483	287	6	management	management	NOUN
cjfa-21483	287	7	in	in	ADP
cjfa-21483	287	8	the	the	DET
cjfa-21483	287	9	financial	financial	ADJ
cjfa-21483	287	10	services	service	NOUN
cjfa-21483	287	11	industry	industry	NOUN
cjfa-21483	287	12	:	:	PUNCT
cjfa-21483	287	13	a	a	DET
cjfa-21483	287	14	review	review	NOUN
cjfa-21483	287	15	of	of	ADP
cjfa-21483	287	16	theory	theory	NOUN
cjfa-21483	287	17	and	and	CCONJ
cjfa-21483	287	18	evidence	evidence	NOUN
cjfa-21483	287	19	.	.	PUNCT
cjfa-21483	288	1	ilard	ilard	ADJ
cjfa-21483	288	2	international	international	PROPN
cjfa-21483	288	3	journal	journal	PROPN
cjfa-21483	288	4	of	of	ADP
cjfa-21483	288	5	economics	economic	NOUN
cjfa-21483	288	6	and	and	CCONJ
cjfa-21483	288	7	business	business	NOUN
cjfa-21483	288	8	management	management	NOUN
cjfa-21483	288	9	,	,	PUNCT
cjfa-21483	288	10	1	1	NUM
cjfa-21483	288	11	,	,	PUNCT
cjfa-21483	288	12	29	29	NUM
cjfa-21483	288	13	-	-	SYM
cjfa-21483	288	14	45	45	NUM
cjfa-21483	288	15	.	.	PUNCT
cjfa-21483	289	1	netter	netter	NOUN
cjfa-21483	289	2	,	,	PUNCT
cjfa-21483	289	3	j.m	j.m	PROPN
cjfa-21483	289	4	.	.	PROPN
cjfa-21483	289	5	,	,	PUNCT
cjfa-21483	289	6	&	&	CCONJ
cjfa-21483	289	7	poulsen	poulsen	PROPN
cjfa-21483	289	8	,	,	PUNCT
cjfa-21483	289	9	p.	p.	NOUN
cjfa-21483	289	10	(	(	PUNCT
cjfa-21483	289	11	2003	2003	NUM
cjfa-21483	289	12	)	)	PUNCT
cjfa-21483	289	13	.	.	PUNCT
cjfa-21483	290	1	operational	operational	ADJ
cjfa-21483	290	2	risk	risk	NOUN
cjfa-21483	290	3	in	in	ADP
cjfa-21483	290	4	financial	financial	ADJ
cjfa-21483	290	5	service	service	NOUN
cjfa-21483	290	6	providers	provider	NOUN
cjfa-21483	290	7	and	and	CCONJ
cjfa-21483	290	8	the	the	DET
cjfa-21483	290	9	proposed	propose	VERB
cjfa-21483	290	10	basel	basel	PROPN
cjfa-21483	290	11	capital	capital	PROPN
cjfa-21483	290	12	accord	accord	NOUN
cjfa-21483	290	13	:	:	PUNCT
cjfa-21483	290	14	an	an	DET
cjfa-21483	290	15	overview	overview	NOUN
cjfa-21483	290	16	.	.	PUNCT
cjfa-21483	291	1	advances	advance	NOUN
cjfa-21483	291	2	in	in	ADP
cjfa-21483	291	3	financial	financial	ADJ
cjfa-21483	291	4	economics	economic	NOUN
cjfa-21483	291	5	,	,	PUNCT
cjfa-21483	291	6	8	8	NUM
cjfa-21483	291	7	,	,	PUNCT
cjfa-21483	291	8	147	147	NUM
cjfa-21483	291	9	-	-	SYM
cjfa-21483	291	10	171	171	NUM
cjfa-21483	291	11	.	.	PUNCT
cjfa-21483	292	1	patton	patton	PROPN
cjfa-21483	292	2	,	,	PUNCT
cjfa-21483	292	3	m.q	m.q	PROPN
cjfa-21483	292	4	.	.	PROPN
cjfa-21483	292	5	(	(	PUNCT
cjfa-21483	292	6	1990	1990	NUM
cjfa-21483	292	7	)	)	PUNCT
cjfa-21483	292	8	.	.	PUNCT
cjfa-21483	293	1	qualitative	qualitative	ADJ
cjfa-21483	293	2	evaluation	evaluation	NOUN
cjfa-21483	293	3	and	and	CCONJ
cjfa-21483	293	4	research	research	NOUN
cjfa-21483	293	5	methods	method	NOUN
cjfa-21483	293	6	(	(	PUNCT
cjfa-21483	293	7	2nd	2nd	ADJ
cjfa-21483	293	8	ed	ed	NOUN
cjfa-21483	293	9	.	.	PUNCT
cjfa-21483	293	10	)	)	PUNCT
cjfa-21483	293	11	.	.	PUNCT
cjfa-21483	294	1	newbury	newbury	PROPN
cjfa-21483	294	2	park	park	PROPN
cjfa-21483	294	3	,	,	PUNCT
cjfa-21483	294	4	ca	can	AUX
cjfa-21483	294	5	:	:	PUNCT
cjfa-21483	294	6	sage	sage	NOUN
cjfa-21483	294	7	publications	publication	NOUN
cjfa-21483	294	8	,	,	PUNCT
cjfa-21483	294	9	inc	inc	PROPN
cjfa-21483	294	10	.	.	PROPN
cjfa-21483	294	11	peršić	peršić	PROPN
cjfa-21483	294	12	,	,	PUNCT
cjfa-21483	294	13	m.	m.	NOUN
cjfa-21483	294	14	,	,	PUNCT
cjfa-21483	294	15	janković	janković	PROPN
cjfa-21483	294	16	,	,	PUNCT
cjfa-21483	294	17	s.	s.	PROPN
cjfa-21483	294	18	,	,	PUNCT
cjfa-21483	294	19	&	&	CCONJ
cjfa-21483	294	20	krivačić	krivačić	PROPN
cjfa-21483	294	21	,	,	PUNCT
cjfa-21483	294	22	d.	d.	PROPN
cjfa-21483	294	23	(	(	PUNCT
cjfa-21483	294	24	2017	2017	NUM
cjfa-21483	294	25	)	)	PUNCT
cjfa-21483	294	26	.	.	PUNCT
cjfa-21483	295	1	sustainability	sustainability	NOUN
cjfa-21483	295	2	accounting	accounting	NOUN
cjfa-21483	295	3	:	:	PUNCT
cjfa-21483	295	4	upgrading	upgrade	VERB
cjfa-21483	295	5	corporate	corporate	ADJ
cjfa-21483	295	6	social	social	ADJ
cjfa-21483	295	7	responsibility	responsibility	NOUN
cjfa-21483	295	8	.	.	PUNCT
cjfa-21483	296	1	in	in	ADP
cjfa-21483	296	2	m.	m.	NOUN
cjfa-21483	296	3	aluchna	aluchna	NOUN
cjfa-21483	296	4	,	,	PUNCT
cjfa-21483	296	5	s.	s.	PROPN
cjfa-21483	296	6	o.	o.	PROPN
cjfa-21483	296	7	idowu	idowu	PROPN
cjfa-21483	296	8	(	(	PUNCT
cjfa-21483	296	9	eds	ed	NOUN
cjfa-21483	296	10	.	.	PUNCT
cjfa-21483	296	11	)	)	PUNCT
cjfa-21483	296	12	.	.	PUNCT
cjfa-21483	297	1	the	the	DET
cjfa-21483	297	2	dynamics	dynamic	NOUN
cjfa-21483	297	3	of	of	ADP
cjfa-21483	297	4	corporate	corporate	ADJ
cjfa-21483	297	5	social	social	ADJ
cjfa-21483	297	6	responsibility	responsibility	NOUN
cjfa-21483	297	7	:	:	PUNCT
cjfa-21483	297	8	a	a	DET
cjfa-21483	297	9	critical	critical	ADJ
cjfa-21483	297	10	approach	approach	NOUN
cjfa-21483	297	11	to	to	ADP
cjfa-21483	297	12	theory	theory	NOUN
cjfa-21483	297	13	and	and	CCONJ
cjfa-21483	297	14	practice	practice	NOUN
cjfa-21483	297	15	.	.	PUNCT
cjfa-21483	298	1	cham	cham	PROPN
cjfa-21483	298	2	:	:	PUNCT
cjfa-21483	298	3	springer	springer	NOUN
cjfa-21483	298	4	.	.	PUNCT
cjfa-21483	299	1	rajan	rajan	PROPN
cjfa-21483	299	2	,	,	PUNCT
cjfa-21483	299	3	r.g	r.g	PROPN
cjfa-21483	299	4	.	.	PROPN
cjfa-21483	299	5	(	(	PUNCT
cjfa-21483	299	6	2005	2005	NUM
cjfa-21483	299	7	)	)	PUNCT
cjfa-21483	299	8	.	.	PUNCT
cjfa-21483	300	1	has	have	AUX
cjfa-21483	300	2	financial	financial	ADJ
cjfa-21483	300	3	development	development	NOUN
cjfa-21483	300	4	made	make	VERB
cjfa-21483	300	5	the	the	DET
cjfa-21483	300	6	world	world	NOUN
cjfa-21483	300	7	riskier	riskier	ADV
cjfa-21483	300	8	?	?	PUNCT
cjfa-21483	301	1	presented	present	VERB
cjfa-21483	301	2	at	at	ADP
cjfa-21483	301	3	the	the	DET
cjfa-21483	301	4	2005	2005	NUM
cjfa-21483	301	5	economic	economic	ADJ
cjfa-21483	301	6	symposium	symposium	NOUN
cjfa-21483	301	7	at	at	ADP
cjfa-21483	301	8	jackson	jackson	PROPN
cjfa-21483	301	9	hole	hole	PROPN
cjfa-21483	301	10	,	,	PUNCT
cjfa-21483	301	11	wy	wy	PROPN
cjfa-21483	301	12	,	,	PUNCT
cjfa-21483	301	13	sponsored	sponsor	VERB
cjfa-21483	301	14	by	by	ADP
cjfa-21483	301	15	the	the	DET
cjfa-21483	301	16	federal	federal	PROPN
cjfa-21483	301	17	reserve	reserve	PROPN
cjfa-21483	301	18	bank	bank	PROPN
cjfa-21483	301	19	of	of	ADP
cjfa-21483	301	20	kansas	kansas	PROPN
cjfa-21483	301	21	city	city	PROPN
cjfa-21483	301	22	.	.	PUNCT
cjfa-21483	302	1	rosenberg	rosenberg	PROPN
cjfa-21483	302	2	,	,	PUNCT
cjfa-21483	302	3	j.v	j.v	PROPN
cjfa-21483	302	4	.	.	PROPN
cjfa-21483	302	5	,	,	PUNCT
cjfa-21483	302	6	&	&	CCONJ
cjfa-21483	302	7	schuermann	schuermann	PROPN
cjfa-21483	302	8	,	,	PUNCT
cjfa-21483	302	9	t.	t.	PROPN
cjfa-21483	302	10	(	(	PUNCT
cjfa-21483	302	11	2006	2006	NUM
cjfa-21483	302	12	)	)	PUNCT
cjfa-21483	302	13	.	.	PUNCT
cjfa-21483	303	1	a	a	DET
cjfa-21483	303	2	general	general	ADJ
cjfa-21483	303	3	approach	approach	NOUN
cjfa-21483	303	4	to	to	ADP
cjfa-21483	303	5	integrated	integrated	ADJ
cjfa-21483	303	6	risk	risk	NOUN
cjfa-21483	303	7	management	management	NOUN
cjfa-21483	303	8	with	with	ADP
cjfa-21483	303	9	skewed	skewed	ADJ
cjfa-21483	303	10	,	,	PUNCT
cjfa-21483	303	11	fat	fat	ADJ
cjfa-21483	303	12	-	-	PUNCT
cjfa-21483	303	13	tailed	tail	VERB
cjfa-21483	303	14	distributions	distribution	NOUN
cjfa-21483	303	15	.	.	PUNCT
cjfa-21483	304	1	journal	journal	NOUN
cjfa-21483	304	2	of	of	ADP
cjfa-21483	304	3	financial	financial	ADJ
cjfa-21483	304	4	economics	economic	NOUN
cjfa-21483	304	5	,	,	PUNCT
cjfa-21483	304	6	79(3	79(3	NUM
cjfa-21483	304	7	)	)	PUNCT
cjfa-21483	304	8	,	,	PUNCT
cjfa-21483	304	9	569	569	NUM
cjfa-21483	304	10	-	-	SYM
cjfa-21483	304	11	614	614	NUM
cjfa-21483	304	12	.	.	PUNCT
cjfa-21483	305	1	rusanov	rusanov	NOUN
cjfa-21483	305	2	,	,	PUNCT
cjfa-21483	305	3	y.y	y.y	PROPN
cjfa-21483	305	4	.	.	PROPN
cjfa-21483	305	5	,	,	PUNCT
cjfa-21483	305	6	natocheeva	natocheeva	PROPN
cjfa-21483	305	7	,	,	PUNCT
cjfa-21483	305	8	n.n	n.n	PROPN
cjfa-21483	305	9	.	.	PROPN
cjfa-21483	305	10	,	,	PUNCT
cjfa-21483	305	11	belyanchikova	belyanchikova	PROPN
cjfa-21483	305	12	,	,	PUNCT
cjfa-21483	305	13	t.v	t.v	PROPN
cjfa-21483	305	14	.	.	PROPN
cjfa-21483	305	15	,	,	PUNCT
cjfa-21483	305	16	&	&	CCONJ
cjfa-21483	305	17	bektenova	bektenova	PROPN
cjfa-21483	305	18	,	,	PUNCT
cjfa-21483	305	19	g.s	g.s	PROPN
cjfa-21483	305	20	.	.	PROPN
cjfa-21483	305	21	(	(	PUNCT
cjfa-21483	305	22	2017	2017	NUM
cjfa-21483	305	23	)	)	PUNCT
cjfa-21483	305	24	.	.	PUNCT
cjfa-21483	306	1	project	project	NOUN
cjfa-21483	306	2	lending	lending	NOUN
cjfa-21483	306	3	in	in	ADP
cjfa-21483	306	4	banking	banking	NOUN
cjfa-21483	306	5	risk	risk	NOUN
cjfa-21483	306	6	management	management	NOUN
cjfa-21483	306	7	.	.	PUNCT
cjfa-21483	307	1	european	european	ADJ
cjfa-21483	307	2	research	research	PROPN
cjfa-21483	307	3	studies	study	NOUN
cjfa-21483	307	4	,	,	PUNCT
cjfa-21483	307	5	20(4b	20(4b	NUM
cjfa-21483	307	6	)	)	PUNCT
cjfa-21483	307	7	,	,	PUNCT
cjfa-21483	307	8	453	453	NUM
cjfa-21483	307	9	-	-	SYM
cjfa-21483	307	10	471	471	NUM
cjfa-21483	307	11	.	.	PUNCT
cjfa-21483	308	1	sahiti	sahiti	PROPN
cjfa-21483	308	2	,	,	PUNCT
cjfa-21483	308	3	a.	a.	NOUN
cjfa-21483	308	4	,	,	PUNCT
cjfa-21483	308	5	sahiti	sahiti	ADV
cjfa-21483	308	6	,	,	PUNCT
cjfa-21483	308	7	a.	a.	NOUN
cjfa-21483	308	8	,	,	PUNCT
cjfa-21483	308	9	&	&	CCONJ
cjfa-21483	308	10	aliu	aliu	PROPN
cjfa-21483	308	11	,	,	PUNCT
cjfa-21483	308	12	m.	m.	NOUN
cjfa-21483	308	13	(	(	PUNCT
cjfa-21483	308	14	2017	2017	NUM
cjfa-21483	308	15	)	)	PUNCT
cjfa-21483	308	16	.	.	PUNCT
cjfa-21483	309	1	enterprise	enterprise	NOUN
cjfa-21483	309	2	risk	risk	NOUN
cjfa-21483	309	3	management	management	NOUN
cjfa-21483	309	4	in	in	ADP
cjfa-21483	309	5	kosovo	kosovo	PROPN
cjfa-21483	309	6	’s	’s	PART
cjfa-21483	309	7	banking	banking	NOUN
cjfa-21483	309	8	sector	sector	NOUN
cjfa-21483	309	9	.	.	PUNCT
cjfa-21483	310	1	baltic	baltic	PROPN
cjfa-21483	310	2	journal	journal	PROPN
cjfa-21483	310	3	of	of	ADP
cjfa-21483	310	4	real	real	ADJ
cjfa-21483	310	5	estate	estate	NOUN
cjfa-21483	310	6	economics	economic	NOUN
cjfa-21483	310	7	and	and	CCONJ
cjfa-21483	310	8	construction	construction	NOUN
cjfa-21483	310	9	management	management	NOUN
cjfa-21483	310	10	,	,	PUNCT
cjfa-21483	310	11	5(1	5(1	NUM
cjfa-21483	310	12	)	)	PUNCT
cjfa-21483	310	13	,	,	PUNCT
cjfa-21483	310	14	38	38	NUM
cjfa-21483	310	15	-	-	SYM
cjfa-21483	310	16	50	50	NUM
cjfa-21483	310	17	.	.	PUNCT
cjfa-21483	311	1	stirling	stirling	PROPN
cjfa-21483	311	2	,	,	PUNCT
cjfa-21483	311	3	a.	a.	PROPN
cjfa-21483	311	4	,	,	PUNCT
cjfa-21483	311	5	&	&	CCONJ
cjfa-21483	311	6	attride	attride	PROPN
cjfa-21483	311	7	,	,	PUNCT
cjfa-21483	311	8	j.	j.	PROPN
cjfa-21483	311	9	(	(	PUNCT
cjfa-21483	311	10	2001	2001	NUM
cjfa-21483	311	11	)	)	PUNCT
cjfa-21483	311	12	.	.	PUNCT
cjfa-21483	312	1	thematic	thematic	ADJ
cjfa-21483	312	2	networks	network	NOUN
cjfa-21483	312	3	:	:	PUNCT
cjfa-21483	312	4	an	an	DET
cjfa-21483	312	5	analytical	analytical	ADJ
cjfa-21483	312	6	tool	tool	NOUN
cjfa-21483	312	7	for	for	ADP
cjfa-21483	312	8	qualitative	qualitative	ADJ
cjfa-21483	312	9	research	research	NOUN
cjfa-21483	312	10	.	.	PUNCT
cjfa-21483	313	1	qualitative	qualitative	ADJ
cjfa-21483	313	2	research	research	NOUN
cjfa-21483	313	3	,	,	PUNCT
cjfa-21483	313	4	1	1	NUM
cjfa-21483	313	5	,	,	PUNCT
cjfa-21483	313	6	385	385	NUM
cjfa-21483	313	7	-	-	SYM
cjfa-21483	313	8	405	405	NUM
cjfa-21483	313	9	.	.	PUNCT
cjfa-21483	314	1	slywotzky	slywotzky	PROPN
cjfa-21483	314	2	,	,	PUNCT
cjfa-21483	314	3	a.j	a.j	PROPN
cjfa-21483	314	4	.	.	PROPN
cjfa-21483	314	5	,	,	PUNCT
cjfa-21483	314	6	&	&	CCONJ
cjfa-21483	314	7	drzik	drzik	PROPN
cjfa-21483	314	8	,	,	PUNCT
cjfa-21483	314	9	j.	j.	PROPN
cjfa-21483	314	10	(	(	PUNCT
cjfa-21483	314	11	2005	2005	NUM
cjfa-21483	314	12	)	)	PUNCT
cjfa-21483	314	13	.	.	PUNCT
cjfa-21483	315	1	countering	counter	VERB
cjfa-21483	315	2	the	the	DET
cjfa-21483	315	3	biggest	big	ADJ
cjfa-21483	315	4	risk	risk	NOUN
cjfa-21483	315	5	of	of	ADP
cjfa-21483	315	6	all	all	PRON
cjfa-21483	315	7	.	.	PUNCT
cjfa-21483	316	1	harvard	harvard	PROPN
cjfa-21483	316	2	business	business	PROPN
cjfa-21483	316	3	review	review	PROPN
cjfa-21483	316	4	,	,	PUNCT
cjfa-21483	316	5	83(4	83(4	NUM
cjfa-21483	316	6	)	)	PUNCT
cjfa-21483	316	7	,	,	PUNCT
cjfa-21483	316	8	78	78	NUM
cjfa-21483	316	9	-	-	SYM
cjfa-21483	316	10	88	88	NUM
cjfa-21483	316	11	.	.	PUNCT
cjfa-21483	317	1	treacy	treacy	PROPN
cjfa-21483	317	2	,	,	PUNCT
cjfa-21483	317	3	w.f	w.f	PROPN
cjfa-21483	317	4	.	.	PROPN
cjfa-21483	317	5	,	,	PUNCT
cjfa-21483	317	6	&	&	CCONJ
cjfa-21483	317	7	carey	carey	PROPN
cjfa-21483	317	8	,	,	PUNCT
cjfa-21483	317	9	m.	m.	NOUN
cjfa-21483	317	10	(	(	PUNCT
cjfa-21483	317	11	2000	2000	NUM
cjfa-21483	317	12	)	)	PUNCT
cjfa-21483	317	13	.	.	PUNCT
cjfa-21483	318	1	credit	credit	NOUN
cjfa-21483	318	2	risk	risk	NOUN
cjfa-21483	318	3	rating	rating	NOUN
cjfa-21483	318	4	systems	system	NOUN
cjfa-21483	318	5	at	at	ADP
cjfa-21483	318	6	large	large	ADJ
cjfa-21483	318	7	u.s	u.s	PROPN
cjfa-21483	318	8	.	.	PROPN
cjfa-21483	318	9	banks	bank	NOUN
cjfa-21483	318	10	.	.	PUNCT
cjfa-21483	319	1	journal	journal	PROPN
cjfa-21483	319	2	of	of	ADP
cjfa-21483	319	3	banking	banking	NOUN
cjfa-21483	319	4	&	&	CCONJ
cjfa-21483	319	5	finance	finance	PROPN
cjfa-21483	319	6	,	,	PUNCT
cjfa-21483	319	7	24	24	NUM
cjfa-21483	319	8	,	,	PUNCT
cjfa-21483	319	9	167	167	NUM
cjfa-21483	319	10	-	-	PUNCT
cjfa-21483	319	11	201	201	NUM
cjfa-21483	319	12	.	.	PUNCT
cjfa-21483	320	1	tsintsadze	tsintsadze	PROPN
cjfa-21483	320	2	,	,	PUNCT
cjfa-21483	320	3	a.	a.	NOUN
cjfa-21483	320	4	,	,	PUNCT
cjfa-21483	320	5	glonti	glonti	PROPN
cjfa-21483	320	6	,	,	PUNCT
cjfa-21483	320	7	v.	v.	ADV
cjfa-21483	320	8	,	,	PUNCT
cjfa-21483	320	9	oniani	oniani	PROPN
cjfa-21483	320	10	,	,	PUNCT
cjfa-21483	320	11	l.	l.	PROPN
cjfa-21483	320	12	,	,	PUNCT
cjfa-21483	320	13	&	&	CCONJ
cjfa-21483	320	14	ghoghoberidze	ghoghoberidze	PROPN
cjfa-21483	320	15	,	,	PUNCT
cjfa-21483	320	16	t.	t.	PROPN
cjfa-21483	320	17	(	(	PUNCT
cjfa-21483	320	18	2019	2019	NUM
cjfa-21483	320	19	)	)	PUNCT
cjfa-21483	320	20	.	.	PUNCT
cjfa-21483	321	1	empirical	empirical	ADJ
cjfa-21483	321	2	analysis	analysis	NOUN
cjfa-21483	321	3	of	of	ADP
cjfa-21483	321	4	financial	financial	ADJ
cjfa-21483	321	5	and	and	CCONJ
cjfa-21483	321	6	non	non	ADJ
cjfa-21483	321	7	-	-	ADJ
cjfa-21483	321	8	financial	financial	ADJ
cjfa-21483	321	9	risks	risk	NOUN
cjfa-21483	321	10	of	of	ADP
cjfa-21483	321	11	the	the	DET
cjfa-21483	321	12	commercial	commercial	ADJ
cjfa-21483	321	13	bank	bank	NOUN
cjfa-21483	321	14	.	.	PUNCT
cjfa-21483	322	1	european	european	PROPN
cjfa-21483	322	2	journal	journal	PROPN
cjfa-21483	322	3	of	of	ADP
cjfa-21483	322	4	sustainable	sustainable	ADJ
cjfa-21483	322	5	development	development	NOUN
cjfa-21483	322	6	,	,	PUNCT
cjfa-21483	322	7	8(2	8(2	NUM
cjfa-21483	322	8	)	)	PUNCT
cjfa-21483	322	9	,	,	PUNCT
cjfa-21483	322	10	101	101	NUM
cjfa-21483	322	11	-	-	SYM
cjfa-21483	322	12	110	110	NUM
cjfa-21483	322	13	.	.	PUNCT
cjfa-21483	323	1	integration	integration	NOUN
cjfa-21483	323	2	of	of	ADP
cjfa-21483	323	3	financial	financial	ADJ
cjfa-21483	323	4	risks	risk	NOUN
cjfa-21483	323	5	with	with	ADP
cjfa-21483	323	6	non	non	ADJ
cjfa-21483	323	7	-	-	ADJ
cjfa-21483	323	8	financial	financial	ADJ
cjfa-21483	323	9	risks	risk	NOUN
cjfa-21483	323	10	…	…	PUNCT
cjfa-21483	323	11	65	65	NUM
cjfa-21483	323	12	uyemura	uyemura	ADJ
cjfa-21483	323	13	,	,	PUNCT
cjfa-21483	323	14	d.	d.	PROPN
cjfa-21483	323	15	,	,	PUNCT
cjfa-21483	323	16	&	&	CCONJ
cjfa-21483	323	17	van	van	PROPN
cjfa-21483	323	18	deventer	deventer	PROPN
cjfa-21483	323	19	,	,	PUNCT
cjfa-21483	323	20	d.	d.	PROPN
cjfa-21483	323	21	(	(	PUNCT
cjfa-21483	323	22	1992	1992	NUM
cjfa-21483	323	23	)	)	PUNCT
cjfa-21483	323	24	.	.	PUNCT
cjfa-21483	324	1	financial	financial	ADJ
cjfa-21483	324	2	risk	risk	NOUN
cjfa-21483	324	3	management	management	NOUN
cjfa-21483	324	4	in	in	ADP
cjfa-21483	324	5	banking	banking	NOUN
cjfa-21483	324	6	:	:	PUNCT
cjfa-21483	324	7	the	the	DET
cjfa-21483	324	8	theory	theory	NOUN
cjfa-21483	324	9	and	and	CCONJ
cjfa-21483	324	10	application	application	NOUN
cjfa-21483	324	11	of	of	ADP
cjfa-21483	324	12	asset	asset	NOUN
cjfa-21483	324	13	and	and	CCONJ
cjfa-21483	324	14	liability	liability	NOUN
cjfa-21483	324	15	management	management	NOUN
cjfa-21483	324	16	.	.	PUNCT
cjfa-21483	325	1	chicago	chicago	PROPN
cjfa-21483	325	2	,	,	PUNCT
cjfa-21483	325	3	il	il	PROPN
cjfa-21483	325	4	:	:	PROPN
cjfa-21483	325	5	dearborn	dearborn	PROPN
cjfa-21483	325	6	financial	financial	ADJ
cjfa-21483	325	7	publishing	publishing	NOUN
cjfa-21483	325	8	.	.	PUNCT
cjfa-21483	326	1	valipour	valipour	ADJ
cjfa-21483	326	2	,	,	PUNCT
cjfa-21483	326	3	h.	h.	PROPN
cjfa-21483	326	4	,	,	PUNCT
cjfa-21483	326	5	&	&	CCONJ
cjfa-21483	326	6	vahed	vahe	VERB
cjfa-21483	326	7	,	,	PUNCT
cjfa-21483	326	8	m.s	m.s	PROPN
cjfa-21483	326	9	.	.	PROPN
cjfa-21483	326	10	(	(	PUNCT
cjfa-21483	326	11	2017	2017	NUM
cjfa-21483	326	12	)	)	PUNCT
cjfa-21483	326	13	.	.	PUNCT
cjfa-21483	327	1	risk	risk	NOUN
cjfa-21483	327	2	management	management	NOUN
cjfa-21483	327	3	and	and	CCONJ
cjfa-21483	327	4	forecasting	forecasting	NOUN
cjfa-21483	327	5	macro	macro	NOUN
cjfa-21483	327	6	-	-	NOUN
cjfa-21483	327	7	variables	variable	NOUN
cjfa-21483	327	8	influences	influence	NOUN
cjfa-21483	327	9	on	on	ADP
cjfa-21483	327	10	bank	bank	NOUN
cjfa-21483	327	11	risk	risk	NOUN
cjfa-21483	327	12	.	.	PUNCT
cjfa-21483	328	1	international	international	ADJ
cjfa-21483	328	2	journal	journal	PROPN
cjfa-21483	328	3	of	of	ADP
cjfa-21483	328	4	business	business	NOUN
cjfa-21483	328	5	and	and	CCONJ
cjfa-21483	328	6	management	management	NOUN
cjfa-21483	328	7	,	,	PUNCT
cjfa-21483	328	8	12(6	12(6	NUM
cjfa-21483	328	9	)	)	PUNCT
cjfa-21483	328	10	,	,	PUNCT
cjfa-21483	328	11	137	137	NUM
cjfa-21483	328	12	-	-	SYM
cjfa-21483	328	13	150	150	NUM
cjfa-21483	328	14	.	.	PUNCT
cjfa-21483	329	1	van	van	PROPN
cjfa-21483	329	2	zijl	zijl	PROPN
cjfa-21483	329	3	,	,	PUNCT
cjfa-21483	329	4	w.	w.	PROPN
cjfa-21483	329	5	,	,	PUNCT
cjfa-21483	329	6	wöstmann	wöstmann	NOUN
cjfa-21483	329	7	,	,	PUNCT
cjfa-21483	329	8	c.	c.	PROPN
cjfa-21483	329	9	,	,	PUNCT
cjfa-21483	329	10	&	&	CCONJ
cjfa-21483	329	11	maroun	maroun	PROPN
cjfa-21483	329	12	,	,	PUNCT
cjfa-21483	329	13	w.	w.	PROPN
cjfa-21483	329	14	(	(	PUNCT
cjfa-21483	329	15	2017	2017	NUM
cjfa-21483	329	16	)	)	PUNCT
cjfa-21483	329	17	.	.	PUNCT
cjfa-21483	330	1	strategy	strategy	NOUN
cjfa-21483	330	2	disclosures	disclosure	NOUN
cjfa-21483	330	3	by	by	ADP
cjfa-21483	330	4	listed	list	VERB
cjfa-21483	330	5	financial	financial	ADJ
cjfa-21483	330	6	services	service	NOUN
cjfa-21483	330	7	companies	company	NOUN
cjfa-21483	330	8	:	:	PUNCT
cjfa-21483	330	9	signalling	signal	VERB
cjfa-21483	330	10	theory	theory	NOUN
cjfa-21483	330	11	,	,	PUNCT
cjfa-21483	330	12	legitimacy	legitimacy	NOUN
cjfa-21483	330	13	theory	theory	NOUN
cjfa-21483	330	14	and	and	CCONJ
cjfa-21483	330	15	south	south	ADJ
cjfa-21483	330	16	african	african	ADJ
cjfa-21483	330	17	integrated	integrate	VERB
cjfa-21483	330	18	reporting	reporting	NOUN
cjfa-21483	330	19	practices	practice	NOUN
cjfa-21483	330	20	.	.	PUNCT
cjfa-21483	331	1	south	south	ADJ
cjfa-21483	331	2	african	african	ADJ
cjfa-21483	331	3	journal	journal	PROPN
cjfa-21483	331	4	of	of	ADP
cjfa-21483	331	5	business	business	NOUN
cjfa-21483	331	6	management	management	NOUN
cjfa-21483	331	7	,	,	PUNCT
cjfa-21483	331	8	48(3	48(3	PROPN
cjfa-21483	331	9	)	)	PUNCT
cjfa-21483	331	10	,	,	PUNCT
cjfa-21483	331	11	73	73	NUM
cjfa-21483	331	12	-	-	SYM
cjfa-21483	331	13	85	85	NUM
cjfa-21483	331	14	.	.	PUNCT
cjfa-21483	332	1	weiss	weiss	PROPN
cjfa-21483	332	2	,	,	PUNCT
cjfa-21483	332	3	r.s	r.s	PROPN
cjfa-21483	332	4	.	.	PROPN
cjfa-21483	332	5	(	(	PUNCT
cjfa-21483	332	6	1995	1995	NUM
cjfa-21483	332	7	)	)	PUNCT
cjfa-21483	332	8	.	.	PUNCT
cjfa-21483	333	1	learning	learn	VERB
cjfa-21483	333	2	from	from	ADP
cjfa-21483	333	3	strangers	stranger	NOUN
cjfa-21483	333	4	:	:	PUNCT
cjfa-21483	333	5	the	the	DET
cjfa-21483	333	6	art	art	NOUN
cjfa-21483	333	7	and	and	CCONJ
cjfa-21483	333	8	method	method	NOUN
cjfa-21483	333	9	of	of	ADP
cjfa-21483	333	10	qualitative	qualitative	ADJ
cjfa-21483	333	11	interview	interview	NOUN
cjfa-21483	333	12	studies	study	NOUN
cjfa-21483	333	13	.	.	PUNCT
cjfa-21483	334	1	new	new	PROPN
cjfa-21483	334	2	york	york	PROPN
cjfa-21483	334	3	:	:	PUNCT
cjfa-21483	334	4	free	free	ADJ
cjfa-21483	334	5	press	press	NOUN
cjfa-21483	334	6	.	.	PUNCT