id	sid	tid	token	lemma	pos
cjfa-30371	1	1	date	date	NOUN
cjfa-30371	1	2	of	of	ADP
cjfa-30371	1	3	submission	submission	NOUN
cjfa-30371	1	4	:	:	PUNCT
cjfa-30371	1	5	february	february	PROPN
cjfa-30371	1	6	2	2	NUM
cjfa-30371	1	7	,	,	PUNCT
cjfa-30371	1	8	2020	2020	NUM
cjfa-30371	1	9	;	;	PUNCT
cjfa-30371	1	10	date	date	NOUN
cjfa-30371	1	11	of	of	ADP
cjfa-30371	1	12	acceptance	acceptance	NOUN
cjfa-30371	1	13	:	:	PUNCT
cjfa-30371	1	14	march	march	PROPN
cjfa-30371	1	15	5	5	NUM
cjfa-30371	1	16	,	,	PUNCT
cjfa-30371	1	17	2020	2020	NUM
cjfa-30371	1	18	.	.	PUNCT
cjfa-30371	2	1	*	*	PUNCT
cjfa-30371	2	2	contact	contact	NOUN
cjfa-30371	2	3	information	information	NOUN
cjfa-30371	2	4	:	:	PUNCT
cjfa-30371	2	5	muktarabdala11@gmail.com	muktarabdala11@gmail.com	PROPN
cjfa-30371	2	6	,	,	PUNCT
cjfa-30371	2	7	ethiopian	ethiopian	ADJ
cjfa-30371	2	8	telecommunication	telecommunication	NOUN
cjfa-30371	2	9	corporation	corporation	NOUN
cjfa-30371	2	10	,	,	PUNCT
cjfa-30371	2	11	378	378	NUM
cjfa-30371	2	12	jimma	jimma	PROPN
cjfa-30371	2	13	,	,	PUNCT
cjfa-30371	2	14	oromia	oromia	ADV
cjfa-30371	2	15	,	,	PUNCT
cjfa-30371	2	16	ethiopia	ethiopia	PROPN
cjfa-30371	2	17	,	,	PUNCT
cjfa-30371	2	18	phone	phone	NOUN
cjfa-30371	2	19	:	:	PUNCT
cjfa-30371	2	20	+251917242699	+251917242699	ADJ
cjfa-30371	2	21	.	.	PUNCT
cjfa-30371	3	1	*	*	PUNCT
cjfa-30371	3	2	*	*	PUNCT
cjfa-30371	3	3	contact	contact	NOUN
cjfa-30371	3	4	information	information	NOUN
cjfa-30371	3	5	:	:	PUNCT
cjfa-30371	4	1	kenenisalemi@gmail.com	kenenisalemi@gmail.com	PROPN
cjfa-30371	4	2	,	,	PUNCT
cjfa-30371	4	3	college	college	NOUN
cjfa-30371	4	4	of	of	ADP
cjfa-30371	4	5	business	business	NOUN
cjfa-30371	4	6	and	and	CCONJ
cjfa-30371	4	7	economics	economics	PROPN
cjfa-30371	4	8	jimma	jimma	PROPN
cjfa-30371	4	9	university	university	PROPN
cjfa-30371	4	10	,	,	PUNCT
cjfa-30371	4	11	378	378	NUM
cjfa-30371	4	12	jimma	jimma	PROPN
cjfa-30371	4	13	,	,	PUNCT
cjfa-30371	4	14	oromia	oromia	ADV
cjfa-30371	4	15	,	,	PUNCT
cjfa-30371	4	16	ethiopia	ethiopia	PROPN
cjfa-30371	4	17	,	,	PUNCT
cjfa-30371	4	18	phone	phone	NOUN
cjfa-30371	4	19	:	:	PUNCT
cjfa-30371	4	20	+251912065549	+251912065549	NUM
cjfa-30371	4	21	.	.	PUNCT
cjfa-30371	5	1	*	*	PUNCT
cjfa-30371	5	2	*	*	PUNCT
cjfa-30371	5	3	*	*	PUNCT
cjfa-30371	5	4	contact	contact	NOUN
cjfa-30371	5	5	information	information	NOUN
cjfa-30371	5	6	:	:	PUNCT
cjfa-30371	5	7	egutu2013@gmail.com	egutu2013@gmail.com	PROPN
cjfa-30371	5	8	,	,	PUNCT
cjfa-30371	5	9	college	college	NOUN
cjfa-30371	5	10	of	of	ADP
cjfa-30371	5	11	business	business	NOUN
cjfa-30371	5	12	and	and	CCONJ
cjfa-30371	5	13	economics	economics	PROPN
cjfa-30371	5	14	jimma	jimma	PROPN
cjfa-30371	5	15	university	university	PROPN
cjfa-30371	5	16	,	,	PUNCT
cjfa-30371	5	17	378	378	NUM
cjfa-30371	5	18	jimma	jimma	PROPN
cjfa-30371	5	19	,	,	PUNCT
cjfa-30371	5	20	oromia	oromia	ADV
cjfa-30371	5	21	,	,	PUNCT
cjfa-30371	5	22	ethiopia	ethiopia	PROPN
cjfa-30371	5	23	,	,	PUNCT
cjfa-30371	5	24	phone	phone	NOUN
cjfa-30371	5	25	:	:	PUNCT
cjfa-30371	5	26	+251913759922	+251913759922	NUM
cjfa-30371	5	27	;	;	PUNCT
cjfa-30371	5	28	orcid	orcid	NOUN
cjfa-30371	6	1	i	i	NOUN
cjfa-30371	6	2	d	d	NOUN
cjfa-30371	6	3	:	:	PUNCT
cjfa-30371	6	4	https://orcid.org/0000-0002-1357-6477	https://orcid.org/0000-0002-1357-6477	NOUN
cjfa-30371	6	5	.	.	PUNCT
cjfa-30371	7	1	copernican	copernican	PROPN
cjfa-30371	7	2	journal	journal	PROPN
cjfa-30371	7	3	of	of	ADP
cjfa-30371	7	4	finance	finance	PROPN
cjfa-30371	7	5	&	&	CCONJ
cjfa-30371	7	6	accounting	accounting	PROPN
cjfa-30371	7	7	e	e	PROPN
cjfa-30371	7	8	-	-	PROPN
cjfa-30371	7	9	issn	issn	PROPN
cjfa-30371	7	10	2300	2300	NUM
cjfa-30371	7	11	-	-	SYM
cjfa-30371	7	12	3065	3065	NUM
cjfa-30371	7	13	p	p	PROPN
cjfa-30371	7	14	-	-	PUNCT
cjfa-30371	7	15	issn	issn	PROPN
cjfa-30371	7	16	2300	2300	NUM
cjfa-30371	7	17	-	-	SYM
cjfa-30371	7	18	12402019	12402019	NUM
cjfa-30371	7	19	,	,	PUNCT
cjfa-30371	7	20	volume	volume	NOUN
cjfa-30371	7	21	8	8	NUM
cjfa-30371	7	22	,	,	PUNCT
cjfa-30371	7	23	issue	issue	NOUN
cjfa-30371	7	24	4	4	NUM
cjfa-30371	7	25	shifa	shifa	NOUN
cjfa-30371	7	26	,	,	PUNCT
cjfa-30371	7	27	m.a	m.a	PROPN
cjfa-30371	7	28	.	.	PROPN
cjfa-30371	7	29	,	,	PUNCT
cjfa-30371	7	30	debela	debela	PROPN
cjfa-30371	7	31	,	,	PUNCT
cjfa-30371	7	32	k.l	k.l	PROPN
cjfa-30371	7	33	.	.	PROPN
cjfa-30371	7	34	,	,	PUNCT
cjfa-30371	7	35	&	&	CCONJ
cjfa-30371	7	36	tarfa	tarfa	PROPN
cjfa-30371	7	37	,	,	PUNCT
cjfa-30371	7	38	e.g.	e.g.	ADV
cjfa-30371	7	39	(	(	PUNCT
cjfa-30371	7	40	2019	2019	NUM
cjfa-30371	7	41	)	)	PUNCT
cjfa-30371	7	42	.	.	PUNCT
cjfa-30371	8	1	determinants	determinant	NOUN
cjfa-30371	8	2	of	of	ADP
cjfa-30371	8	3	the	the	DET
cjfa-30371	8	4	profitability	profitability	NOUN
cjfa-30371	8	5	of	of	ADP
cjfa-30371	8	6	commercial	commercial	ADJ
cjfa-30371	8	7	banks	bank	NOUN
cjfa-30371	8	8	in	in	ADP
cjfa-30371	8	9	ethiopia	ethiopia	PROPN
cjfa-30371	8	10	.	.	PUNCT
cjfa-30371	9	1	copernican	copernican	PROPN
cjfa-30371	9	2	journal	journal	PROPN
cjfa-30371	9	3	of	of	ADP
cjfa-30371	9	4	finance	finance	PROPN
cjfa-30371	9	5	&	&	CCONJ
cjfa-30371	9	6	accounting	accounting	PROPN
cjfa-30371	9	7	,	,	PUNCT
cjfa-30371	9	8	8(4	8(4	NUM
cjfa-30371	9	9	)	)	PUNCT
cjfa-30371	9	10	,	,	PUNCT
cjfa-30371	9	11	185–201	185–201	NUM
cjfa-30371	9	12	.	.	PUNCT
cjfa-30371	10	1	http://dx.doi	http://dx.doi	NOUN
cjfa-30371	10	2	.	.	PUNCT
cjfa-30371	11	1	org/10.12775	org/10.12775	PROPN
cjfa-30371	11	2	/	/	SYM
cjfa-30371	11	3	cjfa.2019.024	cjfa.2019.024	PROPN
cjfa-30371	11	4	muktar	muktar	PROPN
cjfa-30371	11	5	abdela	abdela	PROPN
cjfa-30371	11	6	shifa	shifa	PROPN
cjfa-30371	11	7	*	*	PUNCT
cjfa-30371	11	8	ethiopian	ethiopian	ADJ
cjfa-30371	11	9	telecommunication	telecommunication	NOUN
cjfa-30371	11	10	corporation	corporation	NOUN
cjfa-30371	11	11	kenenisa	kenenisa	VERB
cjfa-30371	11	12	lemmi	lemmi	VERB
cjfa-30371	11	13	debela	debela	PROPN
cjfa-30371	11	14	*	*	PROPN
cjfa-30371	11	15	*	*	PROPN
cjfa-30371	11	16	jimma	jimma	PROPN
cjfa-30371	11	17	university	university	PROPN
cjfa-30371	11	18	endalew	endalew	PROPN
cjfa-30371	11	19	gutu	gutu	PROPN
cjfa-30371	11	20	tarfa	tarfa	PROPN
cjfa-30371	11	21	*	*	PUNCT
cjfa-30371	11	22	*	*	PUNCT
cjfa-30371	11	23	*	*	PROPN
cjfa-30371	11	24	jimma	jimma	PROPN
cjfa-30371	11	25	university	university	NOUN
cjfa-30371	11	26	determinants	determinant	NOUN
cjfa-30371	11	27	of	of	ADP
cjfa-30371	11	28	the	the	DET
cjfa-30371	11	29	profitability	profitability	NOUN
cjfa-30371	11	30	of	of	ADP
cjfa-30371	11	31	commercial	commercial	ADJ
cjfa-30371	11	32	banks	bank	NOUN
cjfa-30371	11	33	in	in	ADP
cjfa-30371	11	34	ethiopia	ethiopia	PROPN
cjfa-30371	11	35	keywords	keyword	NOUN
cjfa-30371	11	36	:	:	PUNCT
cjfa-30371	12	1	health	health	NOUN
cjfa-30371	12	2	,	,	PUNCT
cjfa-30371	12	3	profitability	profitability	NOUN
cjfa-30371	12	4	,	,	PUNCT
cjfa-30371	12	5	determinants	determinant	NOUN
cjfa-30371	12	6	,	,	PUNCT
cjfa-30371	12	7	commercial	commercial	ADJ
cjfa-30371	12	8	banks	bank	NOUN
cjfa-30371	12	9	,	,	PUNCT
cjfa-30371	12	10	pooled	pool	VERB
cjfa-30371	12	11	ols	ols	PROPN
cjfa-30371	12	12	,	,	PUNCT
cjfa-30371	12	13	ethiopia	ethiopia	PROPN
cjfa-30371	12	14	.	.	PUNCT
cjfa-30371	13	1	j	j	PROPN
cjfa-30371	13	2	e	e	PROPN
cjfa-30371	13	3	l	l	PROPN
cjfa-30371	13	4	classification	classification	NOUN
cjfa-30371	13	5	:	:	PUNCT
cjfa-30371	13	6	g20	g20	NOUN
cjfa-30371	13	7	,	,	PUNCT
cjfa-30371	13	8	g21	g21	PROPN
cjfa-30371	13	9	,	,	PUNCT
cjfa-30371	13	10	g28	g28	NOUN
cjfa-30371	13	11	.	.	PUNCT
cjfa-30371	14	1	abstract	abstract	NOUN
cjfa-30371	14	2	:	:	PUNCT
cjfa-30371	14	3	the	the	DET
cjfa-30371	14	4	healthiness	healthiness	NOUN
cjfa-30371	14	5	of	of	ADP
cjfa-30371	14	6	the	the	DET
cjfa-30371	14	7	banks	bank	NOUN
cjfa-30371	14	8	is	be	AUX
cjfa-30371	14	9	critical	critical	ADJ
cjfa-30371	14	10	because	because	SCONJ
cjfa-30371	14	11	they	they	PRON
cjfa-30371	14	12	are	be	AUX
cjfa-30371	14	13	highly	highly	ADV
cjfa-30371	14	14	fragile	fragile	ADJ
cjfa-30371	14	15	,	,	PUNCT
cjfa-30371	14	16	vulnerable	vulnerable	ADJ
cjfa-30371	14	17	and	and	CCONJ
cjfa-30371	14	18	closely	closely	ADV
cjfa-30371	14	19	integrated	integrate	VERB
cjfa-30371	14	20	with	with	ADP
cjfa-30371	14	21	other	other	ADJ
cjfa-30371	14	22	sectors	sector	NOUN
cjfa-30371	14	23	.	.	PUNCT
cjfa-30371	15	1	one	one	NUM
cjfa-30371	15	2	way	way	NOUN
cjfa-30371	15	3	of	of	ADP
cjfa-30371	15	4	testing	test	VERB
cjfa-30371	15	5	the	the	DET
cjfa-30371	15	6	healthiness	healthiness	NOUN
cjfa-30371	15	7	of	of	ADP
cjfa-30371	15	8	the	the	DET
cjfa-30371	15	9	banks	bank	NOUN
cjfa-30371	15	10	is	be	AUX
cjfa-30371	15	11	through	through	ADP
cjfa-30371	15	12	the	the	DET
cjfa-30371	15	13	measure	measure	NOUN
cjfa-30371	15	14	of	of	ADP
cjfa-30371	15	15	their	their	PRON
cjfa-30371	15	16	profitability	profitability	NOUN
cjfa-30371	15	17	.	.	PUNCT
cjfa-30371	16	1	profitability	profitability	NOUN
cjfa-30371	16	2	is	be	AUX
cjfa-30371	16	3	the	the	DET
cjfa-30371	16	4	primary	primary	ADJ
cjfa-30371	16	5	objective	objective	NOUN
cjfa-30371	16	6	of	of	ADP
cjfa-30371	16	7	any	any	DET
cjfa-30371	16	8	business	business	NOUN
cjfa-30371	16	9	including	include	VERB
cjfa-30371	16	10	commercial	commercial	ADJ
cjfa-30371	16	11	banks	bank	NOUN
cjfa-30371	16	12	.	.	PUNCT
cjfa-30371	17	1	profitable	profitable	ADJ
cjfa-30371	17	2	banks	bank	NOUN
cjfa-30371	17	3	can	can	AUX
cjfa-30371	17	4	withstand	withstand	VERB
cjfa-30371	17	5	any	any	DET
cjfa-30371	17	6	negative	negative	ADJ
cjfa-30371	17	7	shocks	shock	NOUN
cjfa-30371	17	8	and	and	CCONJ
cjfa-30371	17	9	stabilize	stabilize	VERB
cjfa-30371	17	10	the	the	DET
cjfa-30371	17	11	whole	whole	ADJ
cjfa-30371	17	12	financial	financial	ADJ
cjfa-30371	17	13	sector	sector	NOUN
cjfa-30371	17	14	.	.	PUNCT
cjfa-30371	18	1	the	the	DET
cjfa-30371	18	2	main	main	ADJ
cjfa-30371	18	3	objective	objective	ADJ
cjfa-30371	18	4	muktar	muktar	NOUN
cjfa-30371	18	5	abdela	abdela	PROPN
cjfa-30371	18	6	shifa	shifa	PROPN
cjfa-30371	18	7	,	,	PUNCT
cjfa-30371	18	8	kenenisa	kenenisa	NOUN
cjfa-30371	18	9	lemmi	lemmi	PROPN
cjfa-30371	18	10	debela	debela	PROPN
cjfa-30371	18	11	,	,	PUNCT
cjfa-30371	18	12	endalew	endalew	NOUN
cjfa-30371	18	13	gutu	gutu	NOUN
cjfa-30371	18	14	tarfa186	tarfa186	PROPN
cjfa-30371	18	15	of	of	ADP
cjfa-30371	18	16	this	this	DET
cjfa-30371	18	17	study	study	NOUN
cjfa-30371	18	18	was	be	AUX
cjfa-30371	18	19	to	to	PART
cjfa-30371	18	20	analyze	analyze	VERB
cjfa-30371	18	21	the	the	DET
cjfa-30371	18	22	determinants	determinant	NOUN
cjfa-30371	18	23	of	of	ADP
cjfa-30371	18	24	the	the	DET
cjfa-30371	18	25	profitability	profitability	NOUN
cjfa-30371	18	26	of	of	ADP
cjfa-30371	18	27	commercial	commercial	ADJ
cjfa-30371	18	28	banks	bank	NOUN
cjfa-30371	18	29	in	in	ADP
cjfa-30371	18	30	ethiopia	ethiopia	PROPN
cjfa-30371	18	31	.	.	PUNCT
cjfa-30371	19	1	to	to	PART
cjfa-30371	19	2	achieve	achieve	VERB
cjfa-30371	19	3	this	this	DET
cjfa-30371	19	4	objective	objective	NOUN
cjfa-30371	19	5	a	a	DET
cjfa-30371	19	6	secondary	secondary	ADJ
cjfa-30371	19	7	source	source	NOUN
cjfa-30371	19	8	balanced	balanced	ADJ
cjfa-30371	19	9	panel	panel	NOUN
cjfa-30371	19	10	data	datum	NOUN
cjfa-30371	19	11	of	of	ADP
cjfa-30371	19	12	ten	ten	NUM
cjfa-30371	19	13	years	year	NOUN
cjfa-30371	19	14	from	from	ADP
cjfa-30371	19	15	nine	nine	NUM
cjfa-30371	19	16	commercial	commercial	ADJ
cjfa-30371	19	17	banks	bank	NOUN
cjfa-30371	19	18	were	be	AUX
cjfa-30371	19	19	used	use	VERB
cjfa-30371	19	20	,	,	PUNCT
cjfa-30371	19	21	and	and	CCONJ
cjfa-30371	19	22	internal	internal	ADJ
cjfa-30371	19	23	determinants	determinant	NOUN
cjfa-30371	19	24	;	;	PUNCT
cjfa-30371	19	25	business	business	NOUN
cjfa-30371	19	26	mix	mix	NOUN
cjfa-30371	19	27	indicators	indicator	NOUN
cjfa-30371	19	28	,	,	PUNCT
cjfa-30371	19	29	risk	risk	NOUN
cjfa-30371	19	30	aversion	aversion	NOUN
cjfa-30371	19	31	index	index	NOUN
cjfa-30371	19	32	,	,	PUNCT
cjfa-30371	19	33	management	management	NOUN
cjfa-30371	19	34	efficiency	efficiency	NOUN
cjfa-30371	19	35	,	,	PUNCT
cjfa-30371	19	36	liquidity	liquidity	NOUN
cjfa-30371	19	37	risk	risk	NOUN
cjfa-30371	19	38	,	,	PUNCT
cjfa-30371	19	39	bank	bank	NOUN
cjfa-30371	19	40	size	size	NOUN
cjfa-30371	19	41	,	,	PUNCT
cjfa-30371	19	42	and	and	CCONJ
cjfa-30371	19	43	external	external	ADJ
cjfa-30371	19	44	determinants	determinant	NOUN
cjfa-30371	19	45	;	;	PUNCT
cjfa-30371	19	46	ownership	ownership	NOUN
cjfa-30371	19	47	,	,	PUNCT
cjfa-30371	19	48	market	market	NOUN
cjfa-30371	19	49	concentration	concentration	NOUN
cjfa-30371	19	50	,	,	PUNCT
cjfa-30371	19	51	and	and	CCONJ
cjfa-30371	19	52	gdp	gdp	NOUN
cjfa-30371	19	53	,	,	PUNCT
cjfa-30371	19	54	were	be	AUX
cjfa-30371	19	55	regressed	regress	VERB
cjfa-30371	19	56	against	against	ADP
cjfa-30371	19	57	return	return	NOUN
cjfa-30371	19	58	on	on	ADP
cjfa-30371	19	59	asset	asset	NOUN
cjfa-30371	19	60	by	by	ADP
cjfa-30371	19	61	using	use	VERB
cjfa-30371	19	62	the	the	DET
cjfa-30371	19	63	pooled	pooled	ADJ
cjfa-30371	19	64	ols	ol	NOUN
cjfa-30371	19	65	technique	technique	NOUN
cjfa-30371	19	66	.	.	PUNCT
cjfa-30371	20	1	results	result	NOUN
cjfa-30371	20	2	indicated	indicate	VERB
cjfa-30371	20	3	that	that	SCONJ
cjfa-30371	20	4	internal	internal	ADJ
cjfa-30371	20	5	determinants	determinant	NOUN
cjfa-30371	20	6	were	be	AUX
cjfa-30371	20	7	more	more	ADV
cjfa-30371	20	8	important	important	ADJ
cjfa-30371	20	9	than	than	ADP
cjfa-30371	20	10	external	external	ADJ
cjfa-30371	20	11	factors	factor	NOUN
cjfa-30371	20	12	.	.	PUNCT
cjfa-30371	21	1	thus	thus	ADV
cjfa-30371	21	2	business	business	NOUN
cjfa-30371	21	3	mix	mix	NOUN
cjfa-30371	21	4	indicators	indicator	NOUN
cjfa-30371	21	5	,	,	PUNCT
cjfa-30371	21	6	risk	risk	NOUN
cjfa-30371	21	7	aversion	aversion	NOUN
cjfa-30371	21	8	index	index	NOUN
cjfa-30371	21	9	,	,	PUNCT
cjfa-30371	21	10	management	management	NOUN
cjfa-30371	21	11	efficiency	efficiency	NOUN
cjfa-30371	21	12	,	,	PUNCT
cjfa-30371	21	13	liquidity	liquidity	NOUN
cjfa-30371	21	14	risk	risk	NOUN
cjfa-30371	21	15	and	and	CCONJ
cjfa-30371	21	16	bank	bank	NOUN
cjfa-30371	21	17	size	size	NOUN
cjfa-30371	21	18	had	have	VERB
cjfa-30371	21	19	a	a	DET
cjfa-30371	21	20	significant	significant	ADJ
cjfa-30371	21	21	effect	effect	NOUN
cjfa-30371	21	22	on	on	ADP
cjfa-30371	21	23	the	the	DET
cjfa-30371	21	24	return	return	NOUN
cjfa-30371	21	25	on	on	ADP
cjfa-30371	21	26	asset	asset	NOUN
cjfa-30371	21	27	,	,	PUNCT
cjfa-30371	21	28	whereas	whereas	SCONJ
cjfa-30371	21	29	except	except	SCONJ
cjfa-30371	21	30	ownership	ownership	NOUN
cjfa-30371	21	31	other	other	ADJ
cjfa-30371	21	32	external	external	ADJ
cjfa-30371	21	33	determinants	determinant	NOUN
cjfa-30371	21	34	,	,	PUNCT
cjfa-30371	21	35	i.e.	i.e.	X
cjfa-30371	21	36	market	market	NOUN
cjfa-30371	21	37	concentration	concentration	NOUN
cjfa-30371	21	38	and	and	CCONJ
cjfa-30371	21	39	gdp	gdp	NOUN
cjfa-30371	21	40	were	be	AUX
cjfa-30371	21	41	insignificant	insignificant	ADJ
cjfa-30371	21	42	to	to	PART
cjfa-30371	21	43	determine	determine	VERB
cjfa-30371	21	44	return	return	NOUN
cjfa-30371	21	45	on	on	ADP
cjfa-30371	21	46	assets	asset	NOUN
cjfa-30371	21	47	of	of	ADP
cjfa-30371	21	48	ethiopian	ethiopian	ADJ
cjfa-30371	21	49	commercial	commercial	ADJ
cjfa-30371	21	50	banks	bank	NOUN
cjfa-30371	21	51	.	.	PUNCT
cjfa-30371	22	1	finally	finally	ADV
cjfa-30371	22	2	bank	bank	NOUN
cjfa-30371	22	3	managers	manager	NOUN
cjfa-30371	22	4	were	be	AUX
cjfa-30371	22	5	recommended	recommend	VERB
cjfa-30371	22	6	to	to	PART
cjfa-30371	22	7	rely	rely	VERB
cjfa-30371	22	8	on	on	ADP
cjfa-30371	22	9	the	the	DET
cjfa-30371	22	10	debt	debt	NOUN
cjfa-30371	22	11	financing	financing	NOUN
cjfa-30371	22	12	sources	source	NOUN
cjfa-30371	22	13	paying	pay	VERB
cjfa-30371	22	14	a	a	DET
cjfa-30371	22	15	due	due	ADJ
cjfa-30371	22	16	attention	attention	NOUN
cjfa-30371	22	17	to	to	ADP
cjfa-30371	22	18	the	the	DET
cjfa-30371	22	19	optimal	optimal	ADJ
cjfa-30371	22	20	levels	level	NOUN
cjfa-30371	22	21	,	,	PUNCT
cjfa-30371	22	22	mobilize	mobilize	VERB
cjfa-30371	22	23	more	more	ADJ
cjfa-30371	22	24	deposits	deposit	NOUN
cjfa-30371	22	25	,	,	PUNCT
cjfa-30371	22	26	extend	extend	VERB
cjfa-30371	22	27	loan	loan	NOUN
cjfa-30371	22	28	provision	provision	NOUN
cjfa-30371	22	29	and	and	CCONJ
cjfa-30371	22	30	expand	expand	VERB
cjfa-30371	22	31	business	business	NOUN
cjfa-30371	22	32	mixes	mix	VERB
cjfa-30371	22	33	services	service	NOUN
cjfa-30371	22	34	.	.	PUNCT
cjfa-30371	22	35	 	 	SPACE
cjfa-30371	23	1	introduction	introduction	NOUN
cjfa-30371	23	2	background	background	NOUN
cjfa-30371	23	3	of	of	ADP
cjfa-30371	23	4	the	the	DET
cjfa-30371	23	5	study	study	NOUN
cjfa-30371	23	6	since	since	SCONJ
cjfa-30371	23	7	the	the	DET
cjfa-30371	23	8	17th	17th	ADJ
cjfa-30371	23	9	century	century	NOUN
cjfa-30371	23	10	the	the	DET
cjfa-30371	23	11	banking	banking	NOUN
cjfa-30371	23	12	industry	industry	NOUN
cjfa-30371	23	13	has	have	AUX
cjfa-30371	23	14	been	be	AUX
cjfa-30371	23	15	serving	serve	VERB
cjfa-30371	23	16	as	as	ADP
cjfa-30371	23	17	the	the	DET
cjfa-30371	23	18	most	most	ADV
cjfa-30371	23	19	important	important	ADJ
cjfa-30371	23	20	financial	financial	ADJ
cjfa-30371	23	21	sector	sector	NOUN
cjfa-30371	23	22	of	of	ADP
cjfa-30371	23	23	any	any	DET
cjfa-30371	23	24	economy	economy	NOUN
cjfa-30371	23	25	of	of	ADP
cjfa-30371	23	26	the	the	DET
cjfa-30371	23	27	world	world	NOUN
cjfa-30371	23	28	.	.	PUNCT
cjfa-30371	24	1	the	the	DET
cjfa-30371	24	2	performance	performance	NOUN
cjfa-30371	24	3	of	of	ADP
cjfa-30371	24	4	banks	bank	NOUN
cjfa-30371	24	5	can	can	AUX
cjfa-30371	24	6	progress	progress	VERB
cjfa-30371	24	7	or	or	CCONJ
cjfa-30371	24	8	stagnate	stagnate	VERB
cjfa-30371	24	9	the	the	DET
cjfa-30371	24	10	economies	economy	NOUN
cjfa-30371	24	11	of	of	ADP
cjfa-30371	24	12	countries	country	NOUN
cjfa-30371	24	13	.	.	PUNCT
cjfa-30371	25	1	it	it	PRON
cjfa-30371	25	2	is	be	AUX
cjfa-30371	25	3	better	well	ADJ
cjfa-30371	25	4	to	to	PART
cjfa-30371	25	5	remind	remind	VERB
cjfa-30371	25	6	that	that	SCONJ
cjfa-30371	25	7	the	the	DET
cjfa-30371	25	8	banking	banking	NOUN
cjfa-30371	25	9	sector	sector	NOUN
cjfa-30371	25	10	was	be	AUX
cjfa-30371	25	11	the	the	DET
cjfa-30371	25	12	major	major	ADJ
cjfa-30371	25	13	contributing	contribute	VERB
cjfa-30371	25	14	factor	factor	NOUN
cjfa-30371	25	15	in	in	ADP
cjfa-30371	25	16	both	both	CCONJ
cjfa-30371	25	17	the	the	DET
cjfa-30371	25	18	great	great	ADJ
cjfa-30371	25	19	depression	depression	NOUN
cjfa-30371	25	20	of	of	ADP
cjfa-30371	25	21	the	the	DET
cjfa-30371	25	22	1929	1929	NUM
cjfa-30371	25	23	as	as	ADV
cjfa-30371	25	24	well	well	ADV
cjfa-30371	25	25	as	as	ADP
cjfa-30371	25	26	the	the	DET
cjfa-30371	25	27	2008	2008	NUM
cjfa-30371	25	28	’s	’s	NOUN
cjfa-30371	25	29	economic	economic	ADJ
cjfa-30371	25	30	recession	recession	NOUN
cjfa-30371	25	31	.	.	PUNCT
cjfa-30371	26	1	the	the	DET
cjfa-30371	26	2	income	income	NOUN
cjfa-30371	26	3	of	of	ADP
cjfa-30371	26	4	the	the	DET
cjfa-30371	26	5	country	country	NOUN
cjfa-30371	26	6	and	and	CCONJ
cjfa-30371	26	7	its	its	PRON
cjfa-30371	26	8	economic	economic	ADJ
cjfa-30371	26	9	level	level	NOUN
cjfa-30371	26	10	,	,	PUNCT
cjfa-30371	26	11	inflation	inflation	NOUN
cjfa-30371	26	12	rates	rate	NOUN
cjfa-30371	26	13	,	,	PUNCT
cjfa-30371	26	14	economic	economic	ADJ
cjfa-30371	26	15	policies	policy	NOUN
cjfa-30371	26	16	,	,	PUNCT
cjfa-30371	26	17	exchange	exchange	NOUN
cjfa-30371	26	18	rates	rate	NOUN
cjfa-30371	26	19	across	across	ADP
cjfa-30371	26	20	the	the	DET
cjfa-30371	26	21	world	world	NOUN
cjfa-30371	26	22	,	,	PUNCT
cjfa-30371	26	23	and	and	CCONJ
cjfa-30371	26	24	laws	law	NOUN
cjfa-30371	26	25	and	and	CCONJ
cjfa-30371	26	26	regulations	regulation	NOUN
cjfa-30371	26	27	are	be	AUX
cjfa-30371	26	28	considered	consider	VERB
cjfa-30371	26	29	as	as	ADP
cjfa-30371	26	30	certain	certain	ADJ
cjfa-30371	26	31	macroeconomic	macroeconomic	ADJ
cjfa-30371	26	32	factors	factor	NOUN
cjfa-30371	26	33	that	that	PRON
cjfa-30371	26	34	can	can	AUX
cjfa-30371	26	35	influence	influence	VERB
cjfa-30371	26	36	the	the	DET
cjfa-30371	26	37	success	success	NOUN
cjfa-30371	26	38	or	or	CCONJ
cjfa-30371	26	39	failure	failure	NOUN
cjfa-30371	26	40	of	of	ADP
cjfa-30371	26	41	the	the	DET
cjfa-30371	26	42	banks	bank	NOUN
cjfa-30371	26	43	regardless	regardless	ADV
cjfa-30371	26	44	of	of	ADP
cjfa-30371	26	45	the	the	DET
cjfa-30371	26	46	countries	country	NOUN
cjfa-30371	26	47	they	they	PRON
cjfa-30371	26	48	are	be	AUX
cjfa-30371	26	49	situated	situate	VERB
cjfa-30371	26	50	.	.	PUNCT
cjfa-30371	27	1	diversification	diversification	NOUN
cjfa-30371	27	2	plays	play	VERB
cjfa-30371	27	3	an	an	DET
cjfa-30371	27	4	important	important	ADJ
cjfa-30371	27	5	role	role	NOUN
cjfa-30371	27	6	in	in	ADP
cjfa-30371	27	7	a	a	DET
cjfa-30371	27	8	bank	bank	NOUN
cjfa-30371	27	9	’s	’s	PART
cjfa-30371	27	10	desirable	desirable	ADJ
cjfa-30371	27	11	efficiency	efficiency	NOUN
cjfa-30371	27	12	;	;	PUNCT
cjfa-30371	27	13	its	its	PRON
cjfa-30371	27	14	costs	cost	NOUN
cjfa-30371	27	15	could	could	AUX
cjfa-30371	27	16	be	be	AUX
cjfa-30371	27	17	associated	associate	VERB
cjfa-30371	27	18	with	with	ADP
cjfa-30371	27	19	higher	high	ADJ
cjfa-30371	27	20	income	income	NOUN
cjfa-30371	27	21	volatility	volatility	NOUN
cjfa-30371	27	22	,	,	PUNCT
cjfa-30371	27	23	implying	imply	VERB
cjfa-30371	27	24	higher	high	ADJ
cjfa-30371	27	25	risk	risk	NOUN
cjfa-30371	27	26	(	(	PUNCT
cjfa-30371	27	27	doan	doan	PROPN
cjfa-30371	27	28	,	,	PUNCT
cjfa-30371	27	29	lin	lin	PROPN
cjfa-30371	27	30	&	&	CCONJ
cjfa-30371	27	31	doong	doong	PROPN
cjfa-30371	27	32	,	,	PUNCT
cjfa-30371	27	33	2018	2018	NUM
cjfa-30371	27	34	)	)	PUNCT
cjfa-30371	27	35	.	.	PUNCT
cjfa-30371	28	1	ignoring	ignore	VERB
cjfa-30371	28	2	measures	measure	NOUN
cjfa-30371	28	3	of	of	ADP
cjfa-30371	28	4	non	non	ADJ
cjfa-30371	28	5	-	-	ADJ
cjfa-30371	28	6	traditional	traditional	ADJ
cjfa-30371	28	7	activities	activity	NOUN
cjfa-30371	28	8	in	in	ADP
cjfa-30371	28	9	the	the	DET
cjfa-30371	28	10	estimation	estimation	NOUN
cjfa-30371	28	11	of	of	ADP
cjfa-30371	28	12	bank	bank	NOUN
cjfa-30371	28	13	efficiency	efficiency	NOUN
cjfa-30371	28	14	can	can	AUX
cjfa-30371	28	15	be	be	AUX
cjfa-30371	28	16	misleading	misleading	ADJ
cjfa-30371	28	17	,	,	PUNCT
cjfa-30371	28	18	although	although	SCONJ
cjfa-30371	28	19	at	at	ADV
cjfa-30371	28	20	least	least	ADV
cjfa-30371	28	21	two	two	NUM
cjfa-30371	28	22	studies	study	NOUN
cjfa-30371	28	23	find	find	VERB
cjfa-30371	28	24	little	little	ADJ
cjfa-30371	28	25	or	or	CCONJ
cjfa-30371	28	26	no	no	PRON
cjfa-30371	28	27	impact	impact	NOUN
cjfa-30371	28	28	of	of	ADP
cjfa-30371	28	29	off	off	ADP
cjfa-30371	28	30	-	-	PUNCT
cjfa-30371	28	31	balance	balance	NOUN
cjfa-30371	28	32	sheet	sheet	NOUN
cjfa-30371	28	33	activities	activity	NOUN
cjfa-30371	28	34	(	(	PUNCT
cjfa-30371	28	35	jagtain	jagtain	ADJ
cjfa-30371	28	36	,	,	PUNCT
cjfa-30371	28	37	saunders	saunder	NOUN
cjfa-30371	28	38	&	&	CCONJ
cjfa-30371	28	39	udell	udell	PROPN
cjfa-30371	28	40	,	,	PUNCT
cjfa-30371	28	41	1995	1995	NUM
cjfa-30371	28	42	and	and	CCONJ
cjfa-30371	28	43	kosmidou	kosmidou	PROPN
cjfa-30371	28	44	,	,	PUNCT
cjfa-30371	28	45	tanna	tanna	PROPN
cjfa-30371	28	46	&	&	CCONJ
cjfa-30371	28	47	pasiouras	pasioura	NOUN
cjfa-30371	28	48	,	,	PUNCT
cjfa-30371	28	49	2008	2008	NUM
cjfa-30371	28	50	cited	cite	VERB
cjfa-30371	28	51	in	in	ADP
cjfa-30371	28	52	doan	doan	NOUN
cjfa-30371	28	53	,	,	PUNCT
cjfa-30371	28	54	lin	lin	PROPN
cjfa-30371	28	55	&	&	CCONJ
cjfa-30371	28	56	doong	doong	PROPN
cjfa-30371	28	57	,	,	PUNCT
cjfa-30371	28	58	2018	2018	NUM
cjfa-30371	28	59	)	)	PUNCT
cjfa-30371	28	60	on	on	ADP
cjfa-30371	28	61	the	the	DET
cjfa-30371	28	62	examination	examination	NOUN
cjfa-30371	28	63	of	of	ADP
cjfa-30371	28	64	cost	cost	NOUN
cjfa-30371	28	65	or	or	CCONJ
cjfa-30371	28	66	profit	profit	NOUN
cjfa-30371	28	67	efficiency	efficiency	NOUN
cjfa-30371	28	68	.	.	PUNCT
cjfa-30371	29	1	the	the	DET
cjfa-30371	29	2	health	health	NOUN
cjfa-30371	29	3	of	of	ADP
cjfa-30371	29	4	the	the	DET
cjfa-30371	29	5	banking	banking	NOUN
cjfa-30371	29	6	sector	sector	NOUN
cjfa-30371	29	7	is	be	AUX
cjfa-30371	29	8	critical	critical	ADJ
cjfa-30371	29	9	because	because	SCONJ
cjfa-30371	29	10	they	they	PRON
cjfa-30371	29	11	are	be	AUX
cjfa-30371	29	12	economically	economically	ADV
cjfa-30371	29	13	important	important	ADJ
cjfa-30371	29	14	and	and	CCONJ
cjfa-30371	29	15	closely	closely	ADV
cjfa-30371	29	16	integrated	integrate	VERB
cjfa-30371	29	17	with	with	ADP
cjfa-30371	29	18	other	other	ADJ
cjfa-30371	29	19	sectors	sector	NOUN
cjfa-30371	29	20	(	(	PUNCT
cjfa-30371	29	21	devis	devis	PROPN
cjfa-30371	29	22	,	,	PUNCT
cjfa-30371	29	23	1995	1995	NUM
cjfa-30371	29	24	)	)	PUNCT
cjfa-30371	29	25	.	.	PUNCT
cjfa-30371	30	1	one	one	NUM
cjfa-30371	30	2	way	way	NOUN
cjfa-30371	30	3	of	of	ADP
cjfa-30371	30	4	testing	test	VERB
cjfa-30371	30	5	healthiness	healthiness	NOUN
cjfa-30371	30	6	of	of	ADP
cjfa-30371	30	7	banks	bank	NOUN
cjfa-30371	30	8	is	be	AUX
cjfa-30371	30	9	through	through	ADP
cjfa-30371	30	10	the	the	DET
cjfa-30371	30	11	measure	measure	NOUN
cjfa-30371	30	12	of	of	ADP
cjfa-30371	30	13	their	their	PRON
cjfa-30371	30	14	profitability	profitability	NOUN
cjfa-30371	30	15	.	.	PUNCT
cjfa-30371	31	1	commercial	commercial	ADJ
cjfa-30371	31	2	banks	bank	NOUN
cjfa-30371	31	3	with	with	ADP
cjfa-30371	31	4	a	a	DET
cjfa-30371	31	5	better	well	ADJ
cjfa-30371	31	6	financial	financial	ADJ
cjfa-30371	31	7	performance	performance	NOUN
cjfa-30371	31	8	have	have	VERB
cjfa-30371	31	9	a	a	DET
cjfa-30371	31	10	better	well	ADJ
cjfa-30371	31	11	determinants	determinant	NOUN
cjfa-30371	31	12	of	of	ADP
cjfa-30371	31	13	the	the	DET
cjfa-30371	31	14	profitability	profitability	NOUN
cjfa-30371	31	15	of	of	ADP
cjfa-30371	31	16	commercial	commercial	ADJ
cjfa-30371	31	17	banks	bank	NOUN
cjfa-30371	31	18	in	in	ADP
cjfa-30371	31	19	ethiopia	ethiopia	PROPN
cjfa-30371	31	20	187	187	NUM
cjfa-30371	31	21	ability	ability	NOUN
cjfa-30371	31	22	to	to	PART
cjfa-30371	31	23	resist	resist	VERB
cjfa-30371	31	24	any	any	DET
cjfa-30371	31	25	negative	negative	ADJ
cjfa-30371	31	26	shocks	shock	NOUN
cjfa-30371	31	27	and	and	CCONJ
cjfa-30371	31	28	contribute	contribute	VERB
cjfa-30371	31	29	to	to	ADP
cjfa-30371	31	30	the	the	DET
cjfa-30371	31	31	stability	stability	NOUN
cjfa-30371	31	32	of	of	ADP
cjfa-30371	31	33	the	the	DET
cjfa-30371	31	34	financial	financial	ADJ
cjfa-30371	31	35	sector	sector	NOUN
cjfa-30371	31	36	(	(	PUNCT
cjfa-30371	31	37	athanasoglou	athanasoglou	PROPN
cjfa-30371	31	38	,	,	PUNCT
cjfa-30371	31	39	sophocles	sophocles	PROPN
cjfa-30371	31	40	&	&	CCONJ
cjfa-30371	31	41	delis	deli	NOUN
cjfa-30371	31	42	,	,	PUNCT
cjfa-30371	31	43	2008	2008	NUM
cjfa-30371	31	44	)	)	PUNCT
cjfa-30371	31	45	.	.	PUNCT
cjfa-30371	32	1	since	since	SCONJ
cjfa-30371	32	2	the	the	DET
cjfa-30371	32	3	banking	banking	NOUN
cjfa-30371	32	4	sector	sector	NOUN
cjfa-30371	32	5	is	be	AUX
cjfa-30371	32	6	the	the	DET
cjfa-30371	32	7	major	major	ADJ
cjfa-30371	32	8	player	player	NOUN
cjfa-30371	32	9	in	in	ADP
cjfa-30371	32	10	the	the	DET
cjfa-30371	32	11	economic	economic	ADJ
cjfa-30371	32	12	development	development	NOUN
cjfa-30371	32	13	of	of	ADP
cjfa-30371	32	14	nations	nation	NOUN
cjfa-30371	32	15	,	,	PUNCT
cjfa-30371	32	16	a	a	DET
cjfa-30371	32	17	close	close	ADJ
cjfa-30371	32	18	watch	watch	NOUN
cjfa-30371	32	19	for	for	ADP
cjfa-30371	32	20	the	the	DET
cjfa-30371	32	21	factors	factor	NOUN
cjfa-30371	32	22	that	that	PRON
cjfa-30371	32	23	can	can	AUX
cjfa-30371	32	24	affect	affect	VERB
cjfa-30371	32	25	the	the	DET
cjfa-30371	32	26	performance	performance	NOUN
cjfa-30371	32	27	of	of	ADP
cjfa-30371	32	28	commercial	commercial	ADJ
cjfa-30371	32	29	banks	bank	NOUN
cjfa-30371	32	30	is	be	AUX
cjfa-30371	32	31	crucial	crucial	ADJ
cjfa-30371	32	32	for	for	ADP
cjfa-30371	32	33	the	the	DET
cjfa-30371	32	34	managements	management	NOUN
cjfa-30371	32	35	,	,	PUNCT
cjfa-30371	32	36	investors	investor	NOUN
cjfa-30371	32	37	and	and	CCONJ
cjfa-30371	32	38	policy	policy	NOUN
cjfa-30371	32	39	makers	maker	NOUN
cjfa-30371	32	40	.	.	PUNCT
cjfa-30371	33	1	statement	statement	NOUN
cjfa-30371	33	2	of	of	ADP
cjfa-30371	33	3	the	the	DET
cjfa-30371	33	4	problem	problem	NOUN
cjfa-30371	33	5	finance	finance	NOUN
cjfa-30371	33	6	is	be	AUX
cjfa-30371	33	7	a	a	DET
cjfa-30371	33	8	life	life	NOUN
cjfa-30371	33	9	blood	blood	NOUN
cjfa-30371	33	10	of	of	ADP
cjfa-30371	33	11	industry	industry	NOUN
cjfa-30371	33	12	,	,	PUNCT
cjfa-30371	33	13	commerce	commerce	NOUN
cjfa-30371	33	14	and	and	CCONJ
cjfa-30371	33	15	trade	trade	NOUN
cjfa-30371	33	16	.	.	PUNCT
cjfa-30371	34	1	the	the	DET
cjfa-30371	34	2	banking	banking	NOUN
cjfa-30371	34	3	industry	industry	NOUN
cjfa-30371	34	4	is	be	AUX
cjfa-30371	34	5	serving	serve	VERB
cjfa-30371	34	6	as	as	ADP
cjfa-30371	34	7	a	a	DET
cjfa-30371	34	8	backbone	backbone	NOUN
cjfa-30371	34	9	in	in	ADP
cjfa-30371	34	10	any	any	DET
cjfa-30371	34	11	modern	modern	ADJ
cjfa-30371	34	12	business	business	NOUN
cjfa-30371	34	13	activities	activity	NOUN
cjfa-30371	34	14	.	.	PUNCT
cjfa-30371	35	1	a	a	DET
cjfa-30371	35	2	bank	bank	NOUN
cjfa-30371	35	3	is	be	AUX
cjfa-30371	35	4	a	a	DET
cjfa-30371	35	5	financial	financial	ADJ
cjfa-30371	35	6	institution	institution	NOUN
cjfa-30371	35	7	in	in	ADP
cjfa-30371	35	8	which	which	PRON
cjfa-30371	35	9	a	a	DET
cjfa-30371	35	10	substantial	substantial	ADJ
cjfa-30371	35	11	part	part	NOUN
cjfa-30371	35	12	of	of	ADP
cjfa-30371	35	13	its	its	PRON
cjfa-30371	35	14	business	business	NOUN
cjfa-30371	35	15	consists	consist	VERB
cjfa-30371	35	16	of	of	ADP
cjfa-30371	35	17	mobilization	mobilization	NOUN
cjfa-30371	35	18	of	of	ADP
cjfa-30371	35	19	deposits	deposit	NOUN
cjfa-30371	35	20	and	and	CCONJ
cjfa-30371	35	21	providing	provide	VERB
cjfa-30371	35	22	loan	loan	NOUN
cjfa-30371	35	23	and	and	CCONJ
cjfa-30371	35	24	advances	advance	NOUN
cjfa-30371	35	25	.	.	PUNCT
cjfa-30371	36	1	it	it	PRON
cjfa-30371	36	2	plays	play	VERB
cjfa-30371	36	3	an	an	DET
cjfa-30371	36	4	intermediary	intermediary	ADJ
cjfa-30371	36	5	role	role	NOUN
cjfa-30371	36	6	by	by	ADP
cjfa-30371	36	7	mobilizing	mobilize	VERB
cjfa-30371	36	8	and	and	CCONJ
cjfa-30371	36	9	channeling	channel	VERB
cjfa-30371	36	10	scattered	scatter	VERB
cjfa-30371	36	11	financial	financial	ADJ
cjfa-30371	36	12	resources	resource	NOUN
cjfa-30371	36	13	from	from	ADP
cjfa-30371	36	14	temporarily	temporarily	ADV
cjfa-30371	36	15	surplus	surplus	ADJ
cjfa-30371	36	16	societies	society	NOUN
cjfa-30371	36	17	to	to	PART
cjfa-30371	36	18	deficit	deficit	VERB
cjfa-30371	36	19	productive	productive	ADJ
cjfa-30371	36	20	investments	investment	NOUN
cjfa-30371	36	21	.	.	PUNCT
cjfa-30371	37	1	banks	bank	NOUN
cjfa-30371	37	2	provide	provide	VERB
cjfa-30371	37	3	savers	saver	NOUN
cjfa-30371	37	4	a	a	DET
cjfa-30371	37	5	return	return	NOUN
cjfa-30371	37	6	on	on	ADP
cjfa-30371	37	7	their	their	PRON
cjfa-30371	37	8	deposit	deposit	NOUN
cjfa-30371	37	9	by	by	ADP
cjfa-30371	37	10	means	mean	NOUN
cjfa-30371	37	11	of	of	ADP
cjfa-30371	37	12	interest	interest	NOUN
cjfa-30371	37	13	,	,	PUNCT
cjfa-30371	37	14	and	and	CCONJ
cjfa-30371	37	15	charge	charge	VERB
cjfa-30371	37	16	interest	interest	NOUN
cjfa-30371	37	17	by	by	ADP
cjfa-30371	37	18	lending	lend	VERB
cjfa-30371	37	19	the	the	DET
cjfa-30371	37	20	same	same	ADJ
cjfa-30371	37	21	money	money	NOUN
cjfa-30371	37	22	to	to	ADP
cjfa-30371	37	23	borrowers	borrower	NOUN
cjfa-30371	37	24	.	.	PUNCT
cjfa-30371	38	1	this	this	DET
cjfa-30371	38	2	smooth	smooth	ADJ
cjfa-30371	38	3	flow	flow	NOUN
cjfa-30371	38	4	of	of	ADP
cjfa-30371	38	5	funds	fund	NOUN
cjfa-30371	38	6	facilitates	facilitate	VERB
cjfa-30371	38	7	the	the	DET
cjfa-30371	38	8	development	development	NOUN
cjfa-30371	38	9	of	of	ADP
cjfa-30371	38	10	the	the	DET
cjfa-30371	38	11	overall	overall	ADJ
cjfa-30371	38	12	economy	economy	NOUN
cjfa-30371	38	13	(	(	PUNCT
cjfa-30371	38	14	praveen	praveen	PROPN
cjfa-30371	38	15	,	,	PUNCT
cjfa-30371	38	16	2011	2011	NUM
cjfa-30371	38	17	)	)	PUNCT
cjfa-30371	38	18	.	.	PUNCT
cjfa-30371	39	1	objectives	objective	NOUN
cjfa-30371	39	2	of	of	ADP
cjfa-30371	39	3	the	the	DET
cjfa-30371	39	4	study	study	NOUN
cjfa-30371	39	5	the	the	DET
cjfa-30371	39	6	main	main	ADJ
cjfa-30371	39	7	objective	objective	NOUN
cjfa-30371	39	8	of	of	ADP
cjfa-30371	39	9	this	this	DET
cjfa-30371	39	10	study	study	NOUN
cjfa-30371	39	11	is	be	AUX
cjfa-30371	39	12	to	to	PART
cjfa-30371	39	13	examine	examine	VERB
cjfa-30371	39	14	the	the	DET
cjfa-30371	39	15	determinants	determinant	NOUN
cjfa-30371	39	16	of	of	ADP
cjfa-30371	39	17	bank	bank	NOUN
cjfa-30371	39	18	profitability	profitability	NOUN
cjfa-30371	39	19	in	in	ADP
cjfa-30371	39	20	ethiopian	ethiopian	ADJ
cjfa-30371	39	21	commercial	commercial	ADJ
cjfa-30371	39	22	banks	bank	NOUN
cjfa-30371	39	23	.	.	PUNCT
cjfa-30371	40	1	and	and	CCONJ
cjfa-30371	40	2	achieved	achieve	VERB
cjfa-30371	40	3	the	the	DET
cjfa-30371	40	4	following	follow	VERB
cjfa-30371	40	5	specific	specific	ADJ
cjfa-30371	40	6	objectives	objective	NOUN
cjfa-30371	40	7	;	;	PUNCT
cjfa-30371	40	8	1	1	X
cjfa-30371	40	9	.	.	X
cjfa-30371	40	10	investigate	investigate	VERB
cjfa-30371	40	11	the	the	DET
cjfa-30371	40	12	effect	effect	NOUN
cjfa-30371	40	13	of	of	ADP
cjfa-30371	40	14	bank	bank	NOUN
cjfa-30371	40	15	specific	specific	ADJ
cjfa-30371	40	16	factors	factor	NOUN
cjfa-30371	40	17	,	,	PUNCT
cjfa-30371	40	18	i.e.	i.e.	X
cjfa-30371	40	19	business	business	NOUN
cjfa-30371	40	20	mix	mix	NOUN
cjfa-30371	40	21	indicators	indicator	NOUN
cjfa-30371	40	22	,	,	PUNCT
cjfa-30371	40	23	risk	risk	NOUN
cjfa-30371	40	24	aversion	aversion	NOUN
cjfa-30371	40	25	index	index	NOUN
cjfa-30371	40	26	,	,	PUNCT
cjfa-30371	40	27	management	management	NOUN
cjfa-30371	40	28	efficiency	efficiency	NOUN
cjfa-30371	40	29	,	,	PUNCT
cjfa-30371	40	30	liquidity	liquidity	NOUN
cjfa-30371	40	31	risk	risk	NOUN
cjfa-30371	40	32	and	and	CCONJ
cjfa-30371	40	33	bank	bank	NOUN
cjfa-30371	40	34	size	size	NOUN
cjfa-30371	40	35	,	,	PUNCT
cjfa-30371	40	36	on	on	ADP
cjfa-30371	40	37	the	the	DET
cjfa-30371	40	38	profitability	profitability	NOUN
cjfa-30371	40	39	of	of	ADP
cjfa-30371	40	40	commercial	commercial	ADJ
cjfa-30371	40	41	banks	bank	NOUN
cjfa-30371	40	42	in	in	ADP
cjfa-30371	40	43	ethiopia	ethiopia	PROPN
cjfa-30371	40	44	.	.	PUNCT
cjfa-30371	41	1	2	2	X
cjfa-30371	41	2	.	.	X
cjfa-30371	41	3	analyzes	analyze	VERB
cjfa-30371	41	4	the	the	DET
cjfa-30371	41	5	impact	impact	NOUN
cjfa-30371	41	6	of	of	ADP
cjfa-30371	41	7	external	external	ADJ
cjfa-30371	41	8	factors	factor	NOUN
cjfa-30371	41	9	,	,	PUNCT
cjfa-30371	41	10	i.e.	i.e.	X
cjfa-30371	41	11	market	market	NOUN
cjfa-30371	41	12	concentration	concentration	NOUN
cjfa-30371	41	13	,	,	PUNCT
cjfa-30371	41	14	ownership	ownership	NOUN
cjfa-30371	41	15	,	,	PUNCT
cjfa-30371	41	16	and	and	CCONJ
cjfa-30371	41	17	gdp	gdp	NOUN
cjfa-30371	41	18	growth	growth	NOUN
cjfa-30371	41	19	rate	rate	NOUN
cjfa-30371	41	20	,	,	PUNCT
cjfa-30371	41	21	on	on	ADP
cjfa-30371	41	22	the	the	DET
cjfa-30371	41	23	profitability	profitability	NOUN
cjfa-30371	41	24	of	of	ADP
cjfa-30371	41	25	commercial	commercial	ADJ
cjfa-30371	41	26	banks	bank	NOUN
cjfa-30371	41	27	in	in	ADP
cjfa-30371	41	28	ethiopia	ethiopia	PROPN
cjfa-30371	41	29	.	.	PUNCT
cjfa-30371	42	1	research	research	NOUN
cjfa-30371	42	2	hypothesis	hypothesis	NOUN
cjfa-30371	42	3	the	the	DET
cjfa-30371	42	4	following	follow	VERB
cjfa-30371	42	5	hypotheses	hypothesis	NOUN
cjfa-30371	42	6	were	be	AUX
cjfa-30371	42	7	developed	develop	VERB
cjfa-30371	42	8	in	in	ADP
cjfa-30371	42	9	line	line	NOUN
cjfa-30371	42	10	with	with	ADP
cjfa-30371	42	11	the	the	DET
cjfa-30371	42	12	specified	specified	ADJ
cjfa-30371	42	13	objectives	objective	NOUN
cjfa-30371	42	14	.	.	PUNCT
cjfa-30371	43	1	a	a	PRON
cjfa-30371	43	2	;	;	PUNCT
cjfa-30371	43	3	ho	ho	ADJ
cjfa-30371	43	4	:	:	PUNCT
cjfa-30371	43	5	there	there	PRON
cjfa-30371	43	6	is	be	VERB
cjfa-30371	43	7	significant	significant	ADJ
cjfa-30371	43	8	relationship	relationship	NOUN
cjfa-30371	43	9	between	between	ADP
cjfa-30371	43	10	risk	risk	NOUN
cjfa-30371	43	11	aversion	aversion	NOUN
cjfa-30371	43	12	index	index	NOUN
cjfa-30371	43	13	and	and	CCONJ
cjfa-30371	43	14	profitability	profitability	NOUN
cjfa-30371	43	15	of	of	ADP
cjfa-30371	43	16	commercial	commercial	ADJ
cjfa-30371	43	17	banks	bank	NOUN
cjfa-30371	43	18	in	in	ADP
cjfa-30371	43	19	ethiopia	ethiopia	PROPN
cjfa-30371	43	20	.	.	PUNCT
cjfa-30371	44	1	muktar	muktar	PROPN
cjfa-30371	44	2	abdela	abdela	PROPN
cjfa-30371	44	3	shifa	shifa	PROPN
cjfa-30371	44	4	,	,	PUNCT
cjfa-30371	44	5	kenenisa	kenenisa	NOUN
cjfa-30371	44	6	lemmi	lemmi	PROPN
cjfa-30371	44	7	debela	debela	PROPN
cjfa-30371	44	8	,	,	PUNCT
cjfa-30371	44	9	endalew	endalew	NOUN
cjfa-30371	44	10	gutu	gutu	NOUN
cjfa-30371	44	11	tarfa188	tarfa188	PROPN
cjfa-30371	44	12	b	b	PROPN
cjfa-30371	44	13	;	;	PUNCT
cjfa-30371	44	14	ho	ho	ADJ
cjfa-30371	44	15	:	:	PUNCT
cjfa-30371	44	16	there	there	PRON
cjfa-30371	44	17	is	be	VERB
cjfa-30371	44	18	significant	significant	ADJ
cjfa-30371	44	19	relationship	relationship	NOUN
cjfa-30371	44	20	between	between	ADP
cjfa-30371	44	21	management	management	NOUN
cjfa-30371	44	22	efficiency	efficiency	NOUN
cjfa-30371	44	23	and	and	CCONJ
cjfa-30371	44	24	profitability	profitability	NOUN
cjfa-30371	44	25	of	of	ADP
cjfa-30371	44	26	commercial	commercial	ADJ
cjfa-30371	44	27	banks	bank	NOUN
cjfa-30371	44	28	in	in	ADP
cjfa-30371	44	29	ethiopia	ethiopia	PROPN
cjfa-30371	44	30	.	.	PUNCT
cjfa-30371	45	1	c	c	X
cjfa-30371	45	2	;	;	PUNCT
cjfa-30371	45	3	ho	ho	ADJ
cjfa-30371	45	4	:	:	PUNCT
cjfa-30371	45	5	there	there	PRON
cjfa-30371	45	6	is	be	VERB
cjfa-30371	45	7	significant	significant	ADJ
cjfa-30371	45	8	relationship	relationship	NOUN
cjfa-30371	45	9	between	between	ADP
cjfa-30371	45	10	business	business	NOUN
cjfa-30371	45	11	mix	mix	NOUN
cjfa-30371	45	12	indicators	indicator	NOUN
cjfa-30371	45	13	and	and	CCONJ
cjfa-30371	45	14	profitability	profitability	NOUN
cjfa-30371	45	15	of	of	ADP
cjfa-30371	45	16	commercial	commercial	ADJ
cjfa-30371	45	17	banks	bank	NOUN
cjfa-30371	45	18	in	in	ADP
cjfa-30371	45	19	ethiopia	ethiopia	PROPN
cjfa-30371	45	20	.	.	PUNCT
cjfa-30371	46	1	d	d	X
cjfa-30371	46	2	;	;	PUNCT
cjfa-30371	46	3	ho	ho	ADJ
cjfa-30371	46	4	:	:	PUNCT
cjfa-30371	46	5	there	there	PRON
cjfa-30371	46	6	is	be	VERB
cjfa-30371	46	7	significant	significant	ADJ
cjfa-30371	46	8	relationship	relationship	NOUN
cjfa-30371	46	9	between	between	ADP
cjfa-30371	46	10	market	market	NOUN
cjfa-30371	46	11	concentration	concentration	NOUN
cjfa-30371	46	12	and	and	CCONJ
cjfa-30371	46	13	profitability	profitability	NOUN
cjfa-30371	46	14	of	of	ADP
cjfa-30371	46	15	commercial	commercial	ADJ
cjfa-30371	46	16	banks	bank	NOUN
cjfa-30371	46	17	in	in	ADP
cjfa-30371	46	18	ethiopia	ethiopia	PROPN
cjfa-30371	46	19	.	.	PUNCT
cjfa-30371	47	1	e	e	X
cjfa-30371	47	2	;	;	PUNCT
cjfa-30371	47	3	ho	ho	ADJ
cjfa-30371	47	4	:	:	PUNCT
cjfa-30371	47	5	there	there	PRON
cjfa-30371	47	6	is	be	VERB
cjfa-30371	47	7	significant	significant	ADJ
cjfa-30371	47	8	relationship	relationship	NOUN
cjfa-30371	47	9	between	between	ADP
cjfa-30371	47	10	gdp	gdp	NOUN
cjfa-30371	47	11	and	and	CCONJ
cjfa-30371	47	12	profitability	profitability	NOUN
cjfa-30371	47	13	of	of	ADP
cjfa-30371	47	14	commercial	commercial	ADJ
cjfa-30371	47	15	banks	bank	NOUN
cjfa-30371	47	16	in	in	ADP
cjfa-30371	47	17	ethiopia	ethiopia	PROPN
cjfa-30371	47	18	.	.	PUNCT
cjfa-30371	48	1	f	f	X
cjfa-30371	48	2	;	;	PUNCT
cjfa-30371	48	3	ho	ho	ADJ
cjfa-30371	48	4	:	:	PUNCT
cjfa-30371	48	5	there	there	PRON
cjfa-30371	48	6	is	be	VERB
cjfa-30371	48	7	significant	significant	ADJ
cjfa-30371	48	8	relationship	relationship	NOUN
cjfa-30371	48	9	between	between	ADP
cjfa-30371	48	10	ownership	ownership	NOUN
cjfa-30371	48	11	and	and	CCONJ
cjfa-30371	48	12	profitability	profitability	NOUN
cjfa-30371	48	13	of	of	ADP
cjfa-30371	48	14	commercial	commercial	ADJ
cjfa-30371	48	15	banks	bank	NOUN
cjfa-30371	48	16	in	in	ADP
cjfa-30371	48	17	ethiopia	ethiopia	PROPN
cjfa-30371	48	18	.	.	PUNCT
cjfa-30371	49	1	g	g	NOUN
cjfa-30371	49	2	;	;	PUNCT
cjfa-30371	49	3	ho	ho	ADJ
cjfa-30371	49	4	:	:	PUNCT
cjfa-30371	49	5	there	there	PRON
cjfa-30371	49	6	is	be	VERB
cjfa-30371	49	7	significant	significant	ADJ
cjfa-30371	49	8	relationship	relationship	NOUN
cjfa-30371	49	9	between	between	ADP
cjfa-30371	49	10	liquidity	liquidity	NOUN
cjfa-30371	49	11	risk	risk	NOUN
cjfa-30371	49	12	and	and	CCONJ
cjfa-30371	49	13	profitability	profitability	NOUN
cjfa-30371	49	14	of	of	ADP
cjfa-30371	49	15	commercial	commercial	ADJ
cjfa-30371	49	16	banks	bank	NOUN
cjfa-30371	49	17	in	in	ADP
cjfa-30371	49	18	ethiopia	ethiopia	PROPN
cjfa-30371	49	19	.	.	PUNCT
cjfa-30371	50	1	h	h	NOUN
cjfa-30371	50	2	;	;	PUNCT
cjfa-30371	50	3	ho	ho	ADJ
cjfa-30371	50	4	:	:	PUNCT
cjfa-30371	50	5	there	there	PRON
cjfa-30371	50	6	is	be	VERB
cjfa-30371	50	7	significant	significant	ADJ
cjfa-30371	50	8	relationship	relationship	NOUN
cjfa-30371	50	9	between	between	ADP
cjfa-30371	50	10	bank	bank	NOUN
cjfa-30371	50	11	size	size	NOUN
cjfa-30371	50	12	and	and	CCONJ
cjfa-30371	50	13	profitability	profitability	NOUN
cjfa-30371	50	14	of	of	ADP
cjfa-30371	50	15	commercial	commercial	ADJ
cjfa-30371	50	16	banks	bank	NOUN
cjfa-30371	50	17	in	in	ADP
cjfa-30371	50	18	ethiopia	ethiopia	PROPN
cjfa-30371	50	19	.	.	PUNCT
cjfa-30371	51	1	literature	literature	PROPN
cjfa-30371	51	2	review	review	PROPN
cjfa-30371	51	3	according	accord	VERB
cjfa-30371	51	4	to	to	ADP
cjfa-30371	51	5	banking	banking	NOUN
cjfa-30371	51	6	regulation	regulation	NOUN
cjfa-30371	51	7	act	act	NOUN
cjfa-30371	51	8	,	,	PUNCT
cjfa-30371	51	9	“	"	PUNCT
cjfa-30371	51	10	banking	banking	NOUN
cjfa-30371	51	11	means	mean	VERB
cjfa-30371	51	12	the	the	DET
cjfa-30371	51	13	accepting	accept	VERB
cjfa-30371	51	14	for	for	ADP
cjfa-30371	51	15	the	the	DET
cjfa-30371	51	16	purpose	purpose	NOUN
cjfa-30371	51	17	of	of	ADP
cjfa-30371	51	18	lending	lending	NOUN
cjfa-30371	51	19	or	or	CCONJ
cjfa-30371	51	20	investment	investment	NOUN
cjfa-30371	51	21	of	of	ADP
cjfa-30371	51	22	deposits	deposit	NOUN
cjfa-30371	51	23	of	of	ADP
cjfa-30371	51	24	money	money	NOUN
cjfa-30371	51	25	from	from	ADP
cjfa-30371	51	26	the	the	DET
cjfa-30371	51	27	public	public	NOUN
cjfa-30371	51	28	,	,	PUNCT
cjfa-30371	51	29	repayable	repayable	ADJ
cjfa-30371	51	30	on	on	ADP
cjfa-30371	51	31	demand	demand	NOUN
cjfa-30371	51	32	or	or	CCONJ
cjfa-30371	51	33	otherwise	otherwise	ADV
cjfa-30371	51	34	and	and	CCONJ
cjfa-30371	51	35	withdraw	withdraw	VERB
cjfa-30371	51	36	able	able	ADJ
cjfa-30371	51	37	by	by	ADP
cjfa-30371	51	38	cheque	cheque	NOUN
cjfa-30371	51	39	,	,	PUNCT
cjfa-30371	51	40	draft	draft	NOUN
cjfa-30371	51	41	,	,	PUNCT
cjfa-30371	51	42	and	and	CCONJ
cjfa-30371	51	43	an	an	DET
cjfa-30371	51	44	order	order	NOUN
cjfa-30371	51	45	or	or	CCONJ
cjfa-30371	51	46	otherwise	otherwise	ADV
cjfa-30371	51	47	”	"	PUNCT
cjfa-30371	51	48	(	(	PUNCT
cjfa-30371	51	49	praveen	praveen	PROPN
cjfa-30371	51	50	,	,	PUNCT
cjfa-30371	51	51	2011	2011	NUM
cjfa-30371	51	52	)	)	PUNCT
cjfa-30371	51	53	.	.	PUNCT
cjfa-30371	52	1	in	in	ADP
cjfa-30371	52	2	the	the	DET
cjfa-30371	52	3	economy	economy	NOUN
cjfa-30371	52	4	banks	bank	NOUN
cjfa-30371	52	5	perform	perform	VERB
cjfa-30371	52	6	a	a	DET
cjfa-30371	52	7	multitude	multitude	NOUN
cjfa-30371	52	8	of	of	ADP
cjfa-30371	52	9	functions	function	NOUN
cjfa-30371	52	10	.	.	PUNCT
cjfa-30371	53	1	however	however	ADV
cjfa-30371	53	2	,	,	PUNCT
cjfa-30371	53	3	the	the	DET
cjfa-30371	53	4	three	three	NUM
cjfa-30371	53	5	primary	primary	ADJ
cjfa-30371	53	6	functions	function	NOUN
cjfa-30371	53	7	in	in	ADP
cjfa-30371	53	8	an	an	DET
cjfa-30371	53	9	economy	economy	NOUN
cjfa-30371	53	10	:	:	PUNCT
cjfa-30371	53	11	the	the	DET
cjfa-30371	53	12	operation	operation	NOUN
cjfa-30371	53	13	of	of	ADP
cjfa-30371	53	14	the	the	DET
cjfa-30371	53	15	payment	payment	NOUN
cjfa-30371	53	16	system	system	NOUN
cjfa-30371	53	17	,	,	PUNCT
cjfa-30371	53	18	the	the	DET
cjfa-30371	53	19	mobilization	mobilization	NOUN
cjfa-30371	53	20	of	of	ADP
cjfa-30371	53	21	saving	saving	NOUN
cjfa-30371	53	22	and	and	CCONJ
cjfa-30371	53	23	the	the	DET
cjfa-30371	53	24	allocation	allocation	NOUN
cjfa-30371	53	25	of	of	ADP
cjfa-30371	53	26	savings	saving	NOUN
cjfa-30371	53	27	to	to	ADP
cjfa-30371	53	28	investment	investment	NOUN
cjfa-30371	53	29	projects	project	NOUN
cjfa-30371	53	30	.	.	PUNCT
cjfa-30371	54	1	by	by	ADP
cjfa-30371	54	2	allocating	allocate	VERB
cjfa-30371	54	3	capital	capital	NOUN
cjfa-30371	54	4	to	to	ADP
cjfa-30371	54	5	the	the	DET
cjfa-30371	54	6	highest	high	ADJ
cjfa-30371	54	7	value	value	NOUN
cjfa-30371	54	8	use	use	NOUN
cjfa-30371	54	9	while	while	SCONJ
cjfa-30371	54	10	limiting	limit	VERB
cjfa-30371	54	11	the	the	DET
cjfa-30371	54	12	risks	risk	NOUN
cjfa-30371	54	13	and	and	CCONJ
cjfa-30371	54	14	costs	cost	NOUN
cjfa-30371	54	15	involved	involve	VERB
cjfa-30371	54	16	,	,	PUNCT
cjfa-30371	54	17	the	the	DET
cjfa-30371	54	18	banking	banking	NOUN
cjfa-30371	54	19	sector	sector	NOUN
cjfa-30371	54	20	can	can	AUX
cjfa-30371	54	21	exert	exert	VERB
cjfa-30371	54	22	a	a	DET
cjfa-30371	54	23	positive	positive	ADJ
cjfa-30371	54	24	influence	influence	NOUN
cjfa-30371	54	25	on	on	ADP
cjfa-30371	54	26	the	the	DET
cjfa-30371	54	27	overall	overall	ADJ
cjfa-30371	54	28	economy	economy	NOUN
cjfa-30371	54	29	,	,	PUNCT
cjfa-30371	54	30	and	and	CCONJ
cjfa-30371	54	31	is	be	AUX
cjfa-30371	54	32	thus	thus	ADV
cjfa-30371	54	33	of	of	ADP
cjfa-30371	54	34	broad	broad	ADJ
cjfa-30371	54	35	macroeconomic	macroeconomic	ADJ
cjfa-30371	54	36	importance	importance	NOUN
cjfa-30371	54	37	(	(	PUNCT
cjfa-30371	54	38	roland	roland	NOUN
cjfa-30371	54	39	,	,	PUNCT
cjfa-30371	54	40	2011	2011	NUM
cjfa-30371	54	41	)	)	PUNCT
cjfa-30371	54	42	.	.	PUNCT
cjfa-30371	55	1	theory	theory	NOUN
cjfa-30371	55	2	of	of	ADP
cjfa-30371	55	3	the	the	DET
cjfa-30371	55	4	banking	banking	NOUN
cjfa-30371	55	5	firm	firm	NOUN
cjfa-30371	55	6	is	be	AUX
cjfa-30371	55	7	different	different	ADJ
cjfa-30371	55	8	from	from	ADP
cjfa-30371	55	9	the	the	DET
cjfa-30371	55	10	theory	theory	NOUN
cjfa-30371	55	11	of	of	ADP
cjfa-30371	55	12	the	the	DET
cjfa-30371	55	13	firm	firm	NOUN
cjfa-30371	55	14	which	which	PRON
cjfa-30371	55	15	is	be	AUX
cjfa-30371	55	16	widely	widely	ADV
cjfa-30371	55	17	applicable	applicable	ADJ
cjfa-30371	55	18	to	to	ADP
cjfa-30371	55	19	any	any	DET
cjfa-30371	55	20	business	business	NOUN
cjfa-30371	55	21	with	with	ADP
cjfa-30371	55	22	the	the	DET
cjfa-30371	55	23	exception	exception	NOUN
cjfa-30371	55	24	of	of	ADP
cjfa-30371	55	25	banks	bank	NOUN
cjfa-30371	55	26	.	.	PUNCT
cjfa-30371	56	1	theory	theory	NOUN
cjfa-30371	56	2	of	of	ADP
cjfa-30371	56	3	the	the	DET
cjfa-30371	56	4	banking	banking	NOUN
cjfa-30371	56	5	business	business	NOUN
cjfa-30371	56	6	underlined	underline	VERB
cjfa-30371	56	7	that	that	SCONJ
cjfa-30371	56	8	banks	bank	NOUN
cjfa-30371	56	9	make	make	VERB
cjfa-30371	56	10	profit	profit	NOUN
cjfa-30371	56	11	by	by	ADP
cjfa-30371	56	12	selling	sell	VERB
cjfa-30371	56	13	liabilities	liability	NOUN
cjfa-30371	56	14	with	with	ADP
cjfa-30371	56	15	one	one	NUM
cjfa-30371	56	16	set	set	NOUN
cjfa-30371	56	17	of	of	ADP
cjfa-30371	56	18	characteristics	characteristic	NOUN
cjfa-30371	56	19	(	(	PUNCT
cjfa-30371	56	20	a	a	DET
cjfa-30371	56	21	particular	particular	ADJ
cjfa-30371	56	22	combination	combination	NOUN
cjfa-30371	56	23	of	of	ADP
cjfa-30371	56	24	liquidity	liquidity	NOUN
cjfa-30371	56	25	,	,	PUNCT
cjfa-30371	56	26	risk	risk	NOUN
cjfa-30371	56	27	,	,	PUNCT
cjfa-30371	56	28	size	size	NOUN
cjfa-30371	56	29	,	,	PUNCT
cjfa-30371	56	30	and	and	CCONJ
cjfa-30371	56	31	return	return	VERB
cjfa-30371	56	32	)	)	PUNCT
cjfa-30371	56	33	and	and	CCONJ
cjfa-30371	56	34	using	use	VERB
cjfa-30371	56	35	the	the	DET
cjfa-30371	56	36	proceeds	proceed	NOUN
cjfa-30371	56	37	to	to	PART
cjfa-30371	56	38	buy	buy	VERB
cjfa-30371	56	39	assets	asset	NOUN
cjfa-30371	56	40	with	with	ADP
cjfa-30371	56	41	a	a	DET
cjfa-30371	56	42	different	different	ADJ
cjfa-30371	56	43	set	set	NOUN
cjfa-30371	56	44	of	of	ADP
cjfa-30371	56	45	characteristics	characteristic	NOUN
cjfa-30371	56	46	through	through	ADP
cjfa-30371	56	47	the	the	DET
cjfa-30371	56	48	process	process	NOUN
cjfa-30371	56	49	of	of	ADP
cjfa-30371	56	50	asset	asset	NOUN
cjfa-30371	56	51	transformation	transformation	NOUN
cjfa-30371	56	52	(	(	PUNCT
cjfa-30371	56	53	mishkin	mishkin	PROPN
cjfa-30371	56	54	&	&	CCONJ
cjfa-30371	56	55	eakins	eakin	NOUN
cjfa-30371	56	56	,	,	PUNCT
cjfa-30371	56	57	2012	2012	NUM
cjfa-30371	56	58	)	)	PUNCT
cjfa-30371	56	59	.	.	PUNCT
cjfa-30371	57	1	by	by	ADP
cjfa-30371	57	2	allocating	allocate	VERB
cjfa-30371	57	3	capital	capital	NOUN
cjfa-30371	57	4	to	to	ADP
cjfa-30371	57	5	the	the	DET
cjfa-30371	57	6	highest	high	ADJ
cjfa-30371	57	7	value	value	NOUN
cjfa-30371	57	8	use	use	NOUN
cjfa-30371	57	9	while	while	SCONJ
cjfa-30371	57	10	limiting	limit	VERB
cjfa-30371	57	11	the	the	DET
cjfa-30371	57	12	risks	risk	NOUN
cjfa-30371	57	13	and	and	CCONJ
cjfa-30371	57	14	costs	cost	NOUN
cjfa-30371	57	15	involved	involve	VERB
cjfa-30371	57	16	,	,	PUNCT
cjfa-30371	57	17	the	the	DET
cjfa-30371	57	18	banking	banking	NOUN
cjfa-30371	57	19	sector	sector	NOUN
cjfa-30371	57	20	can	can	AUX
cjfa-30371	57	21	exert	exert	VERB
cjfa-30371	57	22	a	a	DET
cjfa-30371	57	23	positive	positive	ADJ
cjfa-30371	57	24	influence	influence	NOUN
cjfa-30371	57	25	on	on	ADP
cjfa-30371	57	26	the	the	DET
cjfa-30371	57	27	overall	overall	ADJ
cjfa-30371	57	28	economy	economy	NOUN
cjfa-30371	57	29	,	,	PUNCT
cjfa-30371	57	30	and	and	CCONJ
cjfa-30371	57	31	is	be	AUX
cjfa-30371	57	32	thus	thus	ADV
cjfa-30371	57	33	of	of	ADP
cjfa-30371	57	34	broad	broad	ADJ
cjfa-30371	57	35	macroeconomic	macroeconomic	ADJ
cjfa-30371	57	36	importance	importance	NOUN
cjfa-30371	57	37	(	(	PUNCT
cjfa-30371	57	38	roland	roland	NOUN
cjfa-30371	57	39	,	,	PUNCT
cjfa-30371	57	40	2011	2011	NUM
cjfa-30371	57	41	)	)	PUNCT
cjfa-30371	57	42	.	.	PUNCT
cjfa-30371	58	1	determinants	determinant	NOUN
cjfa-30371	58	2	of	of	ADP
cjfa-30371	58	3	the	the	DET
cjfa-30371	58	4	profitability	profitability	NOUN
cjfa-30371	58	5	of	of	ADP
cjfa-30371	58	6	commercial	commercial	ADJ
cjfa-30371	58	7	banks	bank	NOUN
cjfa-30371	58	8	in	in	ADP
cjfa-30371	58	9	ethiopia	ethiopia	PROPN
cjfa-30371	58	10	189	189	NUM
cjfa-30371	58	11	the	the	DET
cjfa-30371	58	12	impact	impact	NOUN
cjfa-30371	58	13	of	of	ADP
cjfa-30371	58	14	banking	banking	NOUN
cjfa-30371	58	15	activities	activity	NOUN
cjfa-30371	58	16	on	on	ADP
cjfa-30371	58	17	monetary	monetary	ADJ
cjfa-30371	58	18	statistics	statistic	NOUN
cjfa-30371	58	19	,	,	PUNCT
cjfa-30371	58	20	such	such	ADJ
cjfa-30371	58	21	as	as	ADP
cjfa-30371	58	22	money	money	NOUN
cjfa-30371	58	23	supply	supply	NOUN
cjfa-30371	58	24	figures	figure	NOUN
cjfa-30371	58	25	and	and	CCONJ
cjfa-30371	58	26	credit	credit	NOUN
cjfa-30371	58	27	extension	extension	NOUN
cjfa-30371	58	28	to	to	ADP
cjfa-30371	58	29	the	the	DET
cjfa-30371	58	30	domestic	domestic	ADJ
cjfa-30371	58	31	private	private	ADJ
cjfa-30371	58	32	sector	sector	NOUN
cjfa-30371	58	33	,	,	PUNCT
cjfa-30371	58	34	is	be	AUX
cjfa-30371	58	35	also	also	ADV
cjfa-30371	58	36	of	of	ADP
cjfa-30371	58	37	concern	concern	NOUN
cjfa-30371	58	38	to	to	ADP
cjfa-30371	58	39	policy	policy	NOUN
cjfa-30371	58	40	makers	maker	NOUN
cjfa-30371	58	41	.	.	PUNCT
cjfa-30371	59	1	reviews	review	NOUN
cjfa-30371	59	2	of	of	ADP
cjfa-30371	59	3	banks	bank	NOUN
cjfa-30371	59	4	can	can	AUX
cjfa-30371	59	5	serve	serve	VERB
cjfa-30371	59	6	as	as	ADP
cjfa-30371	59	7	a	a	DET
cjfa-30371	59	8	structured	structured	ADJ
cjfa-30371	59	9	mechanism	mechanism	NOUN
cjfa-30371	59	10	to	to	PART
cjfa-30371	59	11	ensure	ensure	VERB
cjfa-30371	59	12	that	that	SCONJ
cjfa-30371	59	13	monetary	monetary	ADJ
cjfa-30371	59	14	authorities	authority	NOUN
cjfa-30371	59	15	recognize	recognize	VERB
cjfa-30371	59	16	and	and	CCONJ
cjfa-30371	59	17	quantify	quantify	VERB
cjfa-30371	59	18	non	non	NOUN
cjfa-30371	59	19	intermediated	intermediate	VERB
cjfa-30371	59	20	funding	funding	NOUN
cjfa-30371	59	21	and	and	CCONJ
cjfa-30371	59	22	lending	lending	NOUN
cjfa-30371	59	23	,	,	PUNCT
cjfa-30371	59	24	as	as	ADV
cjfa-30371	59	25	well	well	ADV
cjfa-30371	59	26	as	as	ADP
cjfa-30371	59	27	other	other	ADJ
cjfa-30371	59	28	processes	process	NOUN
cjfa-30371	59	29	that	that	PRON
cjfa-30371	59	30	are	be	AUX
cjfa-30371	59	31	important	important	ADJ
cjfa-30371	59	32	to	to	ADP
cjfa-30371	59	33	policy	policy	NOUN
cjfa-30371	59	34	makers	maker	NOUN
cjfa-30371	59	35	in	in	ADP
cjfa-30371	59	36	the	the	DET
cjfa-30371	59	37	central	central	ADJ
cjfa-30371	59	38	bank	bank	NOUN
cjfa-30371	59	39	.	.	PUNCT
cjfa-30371	60	1	the	the	DET
cjfa-30371	60	2	advantage	advantage	NOUN
cjfa-30371	60	3	of	of	ADP
cjfa-30371	60	4	a	a	DET
cjfa-30371	60	5	structured	structured	ADJ
cjfa-30371	60	6	approach	approach	NOUN
cjfa-30371	60	7	to	to	ADP
cjfa-30371	60	8	evaluating	evaluate	VERB
cjfa-30371	60	9	banks	bank	NOUN
cjfa-30371	60	10	is	be	AUX
cjfa-30371	60	11	that	that	SCONJ
cjfa-30371	60	12	banking	banking	NOUN
cjfa-30371	60	13	sector	sector	NOUN
cjfa-30371	60	14	behavior	behavior	NOUN
cjfa-30371	60	15	is	be	AUX
cjfa-30371	60	16	considered	consider	VERB
cjfa-30371	60	17	in	in	ADP
cjfa-30371	60	18	a	a	DET
cjfa-30371	60	19	systematic	systematic	ADJ
cjfa-30371	60	20	and	and	CCONJ
cjfa-30371	60	21	logical	logical	ADJ
cjfa-30371	60	22	manner	manner	NOUN
cjfa-30371	60	23	,	,	PUNCT
cjfa-30371	60	24	making	make	VERB
cjfa-30371	60	25	sector	sector	NOUN
cjfa-30371	60	26	statistics	statistic	NOUN
cjfa-30371	60	27	readily	readily	ADV
cjfa-30371	60	28	available	available	ADJ
cjfa-30371	60	29	for	for	ADP
cjfa-30371	60	30	macroeconomic	macroeconomic	ADJ
cjfa-30371	60	31	monetary	monetary	ADJ
cjfa-30371	60	32	analysis	analysis	NOUN
cjfa-30371	60	33	.	.	PUNCT
cjfa-30371	61	1	bank	bank	NOUN
cjfa-30371	61	2	supervisors	supervisor	NOUN
cjfa-30371	61	3	are	be	AUX
cjfa-30371	61	4	thereby	thereby	ADV
cjfa-30371	61	5	placed	place	VERB
cjfa-30371	61	6	in	in	ADP
cjfa-30371	61	7	a	a	DET
cjfa-30371	61	8	position	position	NOUN
cjfa-30371	61	9	where	where	SCONJ
cjfa-30371	61	10	they	they	PRON
cjfa-30371	61	11	are	be	AUX
cjfa-30371	61	12	able	able	ADJ
cjfa-30371	61	13	to	to	PART
cjfa-30371	61	14	meaningfully	meaningfully	ADV
cjfa-30371	61	15	assist	assist	VERB
cjfa-30371	61	16	monetary	monetary	ADJ
cjfa-30371	61	17	authorities	authority	NOUN
cjfa-30371	61	18	,	,	PUNCT
cjfa-30371	61	19	whose	whose	DET
cjfa-30371	61	20	policies	policy	NOUN
cjfa-30371	61	21	are	be	AUX
cjfa-30371	61	22	influenced	influence	VERB
cjfa-30371	61	23	by	by	ADP
cjfa-30371	61	24	developments	development	NOUN
cjfa-30371	61	25	in	in	ADP
cjfa-30371	61	26	the	the	DET
cjfa-30371	61	27	banking	banking	NOUN
cjfa-30371	61	28	sector	sector	NOUN
cjfa-30371	61	29	(	(	PUNCT
cjfa-30371	61	30	greuning	greuning	NOUN
cjfa-30371	61	31	&	&	CCONJ
cjfa-30371	61	32	bratanovic	bratanovic	ADJ
cjfa-30371	61	33	,	,	PUNCT
cjfa-30371	61	34	2009	2009	NUM
cjfa-30371	61	35	)	)	PUNCT
cjfa-30371	61	36	.	.	PUNCT
cjfa-30371	62	1	empirical	empirical	ADJ
cjfa-30371	62	2	literature	literature	PROPN
cjfa-30371	62	3	review	review	NOUN
cjfa-30371	62	4	profitability	profitability	NOUN
cjfa-30371	62	5	of	of	ADP
cjfa-30371	62	6	financial	financial	ADJ
cjfa-30371	62	7	institutions	institution	NOUN
cjfa-30371	62	8	specifically	specifically	ADV
cjfa-30371	62	9	banks	bank	NOUN
cjfa-30371	62	10	are	be	AUX
cjfa-30371	62	11	affected	affect	VERB
cjfa-30371	62	12	by	by	ADP
cjfa-30371	62	13	internal	internal	ADJ
cjfa-30371	62	14	and	and	CCONJ
cjfa-30371	62	15	external	external	ADJ
cjfa-30371	62	16	factors	factor	NOUN
cjfa-30371	62	17	.	.	PUNCT
cjfa-30371	63	1	bank	bank	NOUN
cjfa-30371	63	2	profitability	profitability	NOUN
cjfa-30371	63	3	is	be	AUX
cjfa-30371	63	4	usually	usually	ADV
cjfa-30371	63	5	measured	measure	VERB
cjfa-30371	63	6	by	by	ADP
cjfa-30371	63	7	the	the	DET
cjfa-30371	63	8	return	return	NOUN
cjfa-30371	63	9	on	on	ADP
cjfa-30371	63	10	assets	asset	NOUN
cjfa-30371	63	11	,	,	PUNCT
cjfa-30371	63	12	and	and	CCONJ
cjfa-30371	63	13	is	be	AUX
cjfa-30371	63	14	expressed	express	VERB
cjfa-30371	63	15	as	as	ADP
cjfa-30371	63	16	a	a	DET
cjfa-30371	63	17	function	function	NOUN
cjfa-30371	63	18	of	of	ADP
cjfa-30371	63	19	internal	internal	ADJ
cjfa-30371	63	20	and	and	CCONJ
cjfa-30371	63	21	external	external	ADJ
cjfa-30371	63	22	determinants	determinant	NOUN
cjfa-30371	63	23	(	(	PUNCT
cjfa-30371	63	24	dietrich	dietrich	PROPN
cjfa-30371	63	25	&	&	CCONJ
cjfa-30371	63	26	wanzenried	wanzenrie	VERB
cjfa-30371	63	27	,	,	PUNCT
cjfa-30371	63	28	2009	2009	NUM
cjfa-30371	63	29	)	)	PUNCT
cjfa-30371	63	30	.	.	PUNCT
cjfa-30371	64	1	a	a	DET
cjfa-30371	64	2	study	study	NOUN
cjfa-30371	64	3	by	by	ADP
cjfa-30371	64	4	habtamu	habtamu	PROPN
cjfa-30371	64	5	(	(	PUNCT
cjfa-30371	64	6	2012	2012	NUM
cjfa-30371	64	7	)	)	PUNCT
cjfa-30371	64	8	for	for	ADP
cjfa-30371	64	9	the	the	DET
cjfa-30371	64	10	period	period	NOUN
cjfa-30371	64	11	of	of	ADP
cjfa-30371	64	12	2002	2002	NUM
cjfa-30371	64	13	to	to	ADP
cjfa-30371	64	14	2011	2011	NUM
cjfa-30371	64	15	,	,	PUNCT
cjfa-30371	64	16	on	on	ADP
cjfa-30371	64	17	the	the	DET
cjfa-30371	64	18	determinants	determinant	NOUN
cjfa-30371	64	19	of	of	ADP
cjfa-30371	64	20	the	the	DET
cjfa-30371	64	21	profitability	profitability	NOUN
cjfa-30371	64	22	of	of	ADP
cjfa-30371	64	23	private	private	ADJ
cjfa-30371	64	24	commercial	commercial	ADJ
cjfa-30371	64	25	banks	bank	NOUN
cjfa-30371	64	26	in	in	ADP
cjfa-30371	64	27	ethiopia	ethiopia	PROPN
cjfa-30371	64	28	,	,	PUNCT
cjfa-30371	64	29	proxies	proxy	NOUN
cjfa-30371	64	30	return	return	VERB
cjfa-30371	64	31	on	on	ADP
cjfa-30371	64	32	asset	asset	NOUN
cjfa-30371	64	33	,	,	PUNCT
cjfa-30371	64	34	return	return	VERB
cjfa-30371	64	35	on	on	ADP
cjfa-30371	64	36	equity	equity	NOUN
cjfa-30371	64	37	and	and	CCONJ
cjfa-30371	64	38	net	net	ADJ
cjfa-30371	64	39	interest	interest	NOUN
cjfa-30371	64	40	margin	margin	NOUN
cjfa-30371	64	41	as	as	ADP
cjfa-30371	64	42	a	a	DET
cjfa-30371	64	43	measure	measure	NOUN
cjfa-30371	64	44	of	of	ADP
cjfa-30371	64	45	profitability	profitability	NOUN
cjfa-30371	64	46	.	.	PUNCT
cjfa-30371	65	1	million	million	NUM
cjfa-30371	65	2	,	,	PUNCT
cjfa-30371	65	3	matewos	matewos	PROPN
cjfa-30371	65	4	and	and	CCONJ
cjfa-30371	65	5	sujata	sujata	PROPN
cjfa-30371	65	6	(	(	PUNCT
cjfa-30371	65	7	2014	2014	NUM
cjfa-30371	65	8	)	)	PUNCT
cjfa-30371	65	9	for	for	ADP
cjfa-30371	65	10	study	study	NOUN
cjfa-30371	65	11	period	period	NOUN
cjfa-30371	65	12	from	from	ADP
cjfa-30371	65	13	2003	2003	NUM
cjfa-30371	65	14	to	to	ADP
cjfa-30371	65	15	2014	2014	NUM
cjfa-30371	65	16	on	on	ADP
cjfa-30371	65	17	the	the	DET
cjfa-30371	65	18	impact	impact	NOUN
cjfa-30371	65	19	of	of	ADP
cjfa-30371	65	20	credit	credit	NOUN
cjfa-30371	65	21	risk	risk	NOUN
cjfa-30371	65	22	on	on	ADP
cjfa-30371	65	23	profitability	profitability	NOUN
cjfa-30371	65	24	found	find	VERB
cjfa-30371	65	25	that	that	SCONJ
cjfa-30371	65	26	nonperforming	nonperforme	VERB
cjfa-30371	65	27	loan	loan	NOUN
cjfa-30371	65	28	ratio	ratio	NOUN
cjfa-30371	65	29	have	have	VERB
cjfa-30371	65	30	a	a	DET
cjfa-30371	65	31	negatively	negatively	ADV
cjfa-30371	65	32	significant	significant	ADJ
cjfa-30371	65	33	effect	effect	NOUN
cjfa-30371	65	34	,	,	PUNCT
cjfa-30371	65	35	and	and	CCONJ
cjfa-30371	65	36	loan	loan	NOUN
cjfa-30371	65	37	loss	loss	NOUN
cjfa-30371	65	38	provision	provision	NOUN
cjfa-30371	65	39	have	have	AUX
cjfa-30371	65	40	positively	positively	ADV
cjfa-30371	65	41	significant	significant	ADJ
cjfa-30371	65	42	,	,	PUNCT
cjfa-30371	65	43	while	while	SCONJ
cjfa-30371	65	44	capital	capital	NOUN
cjfa-30371	65	45	adequacy	adequacy	NOUN
cjfa-30371	65	46	ratio	ratio	NOUN
cjfa-30371	65	47	and	and	CCONJ
cjfa-30371	65	48	loan	loan	NOUN
cjfa-30371	65	49	to	to	PART
cjfa-30371	65	50	deposit	deposit	NOUN
cjfa-30371	65	51	ratio	ratio	NOUN
cjfa-30371	65	52	have	have	VERB
cjfa-30371	65	53	insignificant	insignificant	ADJ
cjfa-30371	65	54	impact	impact	NOUN
cjfa-30371	65	55	on	on	ADP
cjfa-30371	65	56	the	the	DET
cjfa-30371	65	57	profitability	profitability	NOUN
cjfa-30371	65	58	of	of	ADP
cjfa-30371	65	59	commercial	commercial	ADJ
cjfa-30371	65	60	banks	bank	NOUN
cjfa-30371	65	61	in	in	ADP
cjfa-30371	65	62	ethiopia	ethiopia	PROPN
cjfa-30371	65	63	.	.	PUNCT
cjfa-30371	66	1	the	the	DET
cjfa-30371	66	2	research	research	NOUN
cjfa-30371	66	3	methodology	methodology	NOUN
cjfa-30371	66	4	and	and	CCONJ
cjfa-30371	66	5	the	the	DET
cjfa-30371	66	6	course	course	NOUN
cjfa-30371	66	7	of	of	ADP
cjfa-30371	66	8	the	the	DET
cjfa-30371	66	9	research	research	NOUN
cjfa-30371	66	10	process	process	NOUN
cjfa-30371	66	11	research	research	NOUN
cjfa-30371	66	12	design	design	NOUN
cjfa-30371	66	13	to	to	PART
cjfa-30371	66	14	achieve	achieve	VERB
cjfa-30371	66	15	the	the	DET
cjfa-30371	66	16	study	study	NOUN
cjfa-30371	66	17	objective	objective	NOUN
cjfa-30371	66	18	as	as	ADV
cjfa-30371	66	19	well	well	ADV
cjfa-30371	66	20	as	as	ADP
cjfa-30371	66	21	to	to	PART
cjfa-30371	66	22	test	test	VERB
cjfa-30371	66	23	the	the	DET
cjfa-30371	66	24	hypothesis	hypothesis	NOUN
cjfa-30371	66	25	,	,	PUNCT
cjfa-30371	66	26	the	the	DET
cjfa-30371	66	27	study	study	NOUN
cjfa-30371	66	28	employed	employ	VERB
cjfa-30371	66	29	quantitative	quantitative	ADJ
cjfa-30371	66	30	research	research	NOUN
cjfa-30371	66	31	design	design	NOUN
cjfa-30371	66	32	by	by	ADP
cjfa-30371	66	33	analyzing	analyze	VERB
cjfa-30371	66	34	secondary	secondary	ADJ
cjfa-30371	66	35	source	source	NOUN
cjfa-30371	66	36	balanced	balanced	ADJ
cjfa-30371	66	37	panel	panel	NOUN
cjfa-30371	66	38	data	datum	NOUN
cjfa-30371	66	39	.	.	PUNCT
cjfa-30371	67	1	the	the	DET
cjfa-30371	67	2	quantitative	quantitative	ADJ
cjfa-30371	67	3	research	research	NOUN
cjfa-30371	67	4	is	be	AUX
cjfa-30371	67	5	a	a	DET
cjfa-30371	67	6	means	mean	NOUN
cjfa-30371	67	7	for	for	ADP
cjfa-30371	67	8	testing	test	VERB
cjfa-30371	67	9	objective	objective	ADJ
cjfa-30371	67	10	theories	theory	NOUN
cjfa-30371	67	11	by	by	ADP
cjfa-30371	67	12	examining	examine	VERB
cjfa-30371	67	13	the	the	DET
cjfa-30371	67	14	relationship	relationship	NOUN
cjfa-30371	67	15	among	among	ADP
cjfa-30371	67	16	variables	variable	NOUN
cjfa-30371	67	17	.	.	PUNCT
cjfa-30371	68	1	muktar	muktar	PROPN
cjfa-30371	68	2	abdela	abdela	PROPN
cjfa-30371	68	3	shifa	shifa	PROPN
cjfa-30371	68	4	,	,	PUNCT
cjfa-30371	68	5	kenenisa	kenenisa	NOUN
cjfa-30371	68	6	lemmi	lemmi	PROPN
cjfa-30371	68	7	debela	debela	PROPN
cjfa-30371	68	8	,	,	PUNCT
cjfa-30371	68	9	endalew	endalew	NOUN
cjfa-30371	68	10	gutu	gutu	PROPN
cjfa-30371	68	11	tarfa190	tarfa190	PROPN
cjfa-30371	68	12	data	datum	NOUN
cjfa-30371	68	13	sources	source	NOUN
cjfa-30371	68	14	and	and	CCONJ
cjfa-30371	68	15	data	datum	NOUN
cjfa-30371	68	16	collection	collection	NOUN
cjfa-30371	68	17	techniques	technique	NOUN
cjfa-30371	68	18	the	the	DET
cjfa-30371	68	19	study	study	NOUN
cjfa-30371	68	20	used	use	VERB
cjfa-30371	68	21	only	only	ADV
cjfa-30371	68	22	secondary	secondary	ADJ
cjfa-30371	68	23	source	source	NOUN
cjfa-30371	68	24	data	datum	NOUN
cjfa-30371	68	25	.	.	PUNCT
cjfa-30371	69	1	secondary	secondary	ADJ
cjfa-30371	69	2	data	datum	NOUN
cjfa-30371	69	3	generally	generally	ADV
cjfa-30371	69	4	provide	provide	VERB
cjfa-30371	69	5	a	a	DET
cjfa-30371	69	6	source	source	NOUN
cjfa-30371	69	7	of	of	ADP
cjfa-30371	69	8	data	datum	NOUN
cjfa-30371	69	9	that	that	PRON
cjfa-30371	69	10	is	be	AUX
cjfa-30371	69	11	both	both	CCONJ
cjfa-30371	69	12	permanent	permanent	ADJ
cjfa-30371	69	13	and	and	CCONJ
cjfa-30371	69	14	available	available	ADJ
cjfa-30371	69	15	in	in	ADP
cjfa-30371	69	16	a	a	DET
cjfa-30371	69	17	form	form	NOUN
cjfa-30371	69	18	that	that	PRON
cjfa-30371	69	19	may	may	AUX
cjfa-30371	69	20	be	be	AUX
cjfa-30371	69	21	checked	check	VERB
cjfa-30371	69	22	relatively	relatively	ADV
cjfa-30371	69	23	easily	easily	ADV
cjfa-30371	69	24	by	by	ADP
cjfa-30371	69	25	others	other	NOUN
cjfa-30371	69	26	,	,	PUNCT
cjfa-30371	69	27	i.e.	i.e.	X
cjfa-30371	69	28	more	more	ADV
cjfa-30371	69	29	open	open	ADJ
cjfa-30371	69	30	to	to	ADP
cjfa-30371	69	31	public	public	ADJ
cjfa-30371	69	32	scrutiny	scrutiny	NOUN
cjfa-30371	69	33	.	.	PUNCT
cjfa-30371	70	1	sampling	sample	VERB
cjfa-30371	70	2	design	design	NOUN
cjfa-30371	70	3	the	the	DET
cjfa-30371	70	4	total	total	ADJ
cjfa-30371	70	5	population	population	NOUN
cjfa-30371	70	6	for	for	ADP
cjfa-30371	70	7	this	this	DET
cjfa-30371	70	8	study	study	NOUN
cjfa-30371	70	9	constitutes	constitute	VERB
cjfa-30371	70	10	all	all	DET
cjfa-30371	70	11	commercial	commercial	ADJ
cjfa-30371	70	12	banks	bank	NOUN
cjfa-30371	70	13	operating	operate	VERB
cjfa-30371	70	14	in	in	ADP
cjfa-30371	70	15	ethiopia	ethiopia	PROPN
cjfa-30371	70	16	.	.	PUNCT
cjfa-30371	71	1	for	for	ADP
cjfa-30371	71	2	the	the	DET
cjfa-30371	71	3	study	study	NOUN
cjfa-30371	71	4	a	a	DET
cjfa-30371	71	5	ten	ten	NUM
cjfa-30371	71	6	years	year	NOUN
cjfa-30371	71	7	data	datum	NOUN
cjfa-30371	71	8	is	be	AUX
cjfa-30371	71	9	used	use	VERB
cjfa-30371	71	10	.	.	PUNCT
cjfa-30371	72	1	so	so	ADV
cjfa-30371	72	2	purposive	purposive	ADJ
cjfa-30371	72	3	sampling	sampling	NOUN
cjfa-30371	72	4	of	of	ADP
cjfa-30371	72	5	commercial	commercial	ADJ
cjfa-30371	72	6	banks	bank	NOUN
cjfa-30371	72	7	which	which	PRON
cjfa-30371	72	8	started	start	VERB
cjfa-30371	72	9	operating	operate	VERB
cjfa-30371	72	10	before	before	ADP
cjfa-30371	72	11	2007	2007	NUM
cjfa-30371	72	12	is	be	AUX
cjfa-30371	72	13	included	include	VERB
cjfa-30371	72	14	in	in	ADP
cjfa-30371	72	15	this	this	DET
cjfa-30371	72	16	study	study	NOUN
cjfa-30371	72	17	this	this	PRON
cjfa-30371	72	18	is	be	AUX
cjfa-30371	72	19	because	because	SCONJ
cjfa-30371	72	20	of	of	ADP
cjfa-30371	72	21	majority	majority	NOUN
cjfa-30371	72	22	of	of	ADP
cjfa-30371	72	23	the	the	DET
cjfa-30371	72	24	banks	bank	NOUN
cjfa-30371	72	25	in	in	ADP
cjfa-30371	72	26	the	the	DET
cjfa-30371	72	27	country	country	NOUN
cjfa-30371	72	28	has	have	VERB
cjfa-30371	72	29	age	age	NOUN
cjfa-30371	72	30	of	of	ADP
cjfa-30371	72	31	less	less	ADJ
cjfa-30371	72	32	than	than	ADP
cjfa-30371	72	33	ten	ten	NUM
cjfa-30371	72	34	years	year	NOUN
cjfa-30371	72	35	.	.	PUNCT
cjfa-30371	73	1	as	as	ADP
cjfa-30371	73	2	a	a	DET
cjfa-30371	73	3	result	result	NOUN
cjfa-30371	73	4	out	out	ADP
cjfa-30371	73	5	of	of	ADP
cjfa-30371	73	6	the	the	DET
cjfa-30371	73	7	17	17	NUM
cjfa-30371	73	8	banks	bank	NOUN
cjfa-30371	73	9	currently	currently	ADV
cjfa-30371	73	10	operating	operate	VERB
cjfa-30371	73	11	in	in	ADP
cjfa-30371	73	12	the	the	DET
cjfa-30371	73	13	country	country	NOUN
cjfa-30371	73	14	nine	nine	NUM
cjfa-30371	73	15	banks	bank	NOUN
cjfa-30371	73	16	,	,	PUNCT
cjfa-30371	73	17	namely	namely	ADV
cjfa-30371	73	18	commercial	commercial	ADJ
cjfa-30371	73	19	bank	bank	NOUN
cjfa-30371	73	20	of	of	ADP
cjfa-30371	73	21	ethiopia	ethiopia	PROPN
cjfa-30371	73	22	,	,	PUNCT
cjfa-30371	73	23	dashen	dashen	PROPN
cjfa-30371	73	24	,	,	PUNCT
cjfa-30371	73	25	abysinia	abysinia	PROPN
cjfa-30371	73	26	,	,	PUNCT
cjfa-30371	73	27	weagen	weagen	PROPN
cjfa-30371	73	28	,	,	PUNCT
cjfa-30371	73	29	united	united	ADJ
cjfa-30371	73	30	,	,	PUNCT
cjfa-30371	73	31	nib	nib	NOUN
cjfa-30371	73	32	,	,	PUNCT
cjfa-30371	73	33	cooperative	cooperative	ADJ
cjfa-30371	73	34	bank	bank	NOUN
cjfa-30371	73	35	of	of	ADP
cjfa-30371	73	36	oromia	oromia	ADJ
cjfa-30371	73	37	and	and	CCONJ
cjfa-30371	73	38	lion	lion	PROPN
cjfa-30371	73	39	bank	bank	PROPN
cjfa-30371	73	40	,	,	PUNCT
cjfa-30371	73	41	are	be	AUX
cjfa-30371	73	42	selected	select	VERB
cjfa-30371	73	43	because	because	SCONJ
cjfa-30371	73	44	they	they	PRON
cjfa-30371	73	45	have	have	VERB
cjfa-30371	73	46	10	10	NUM
cjfa-30371	73	47	and	and	CCONJ
cjfa-30371	73	48	more	more	ADJ
cjfa-30371	73	49	year	year	NOUN
cjfa-30371	73	50	’s	’s	PART
cjfa-30371	73	51	age	age	NOUN
cjfa-30371	73	52	in	in	ADP
cjfa-30371	73	53	the	the	DET
cjfa-30371	73	54	bank	bank	NOUN
cjfa-30371	73	55	industry	industry	NOUN
cjfa-30371	73	56	.	.	PUNCT
cjfa-30371	74	1	finally	finally	ADV
cjfa-30371	74	2	the	the	DET
cjfa-30371	74	3	result	result	NOUN
cjfa-30371	74	4	is	be	AUX
cjfa-30371	74	5	inferred	infer	VERB
cjfa-30371	74	6	for	for	ADP
cjfa-30371	74	7	the	the	DET
cjfa-30371	74	8	whole	whole	ADJ
cjfa-30371	74	9	population	population	NOUN
cjfa-30371	74	10	.	.	PUNCT
cjfa-30371	75	1	data	datum	NOUN
cjfa-30371	75	2	analysis	analysis	NOUN
cjfa-30371	75	3	techniques	technique	VERB
cjfa-30371	75	4	the	the	DET
cjfa-30371	75	5	data	datum	NOUN
cjfa-30371	75	6	,	,	PUNCT
cjfa-30371	75	7	after	after	ADP
cjfa-30371	75	8	collection	collection	NOUN
cjfa-30371	75	9	,	,	PUNCT
cjfa-30371	75	10	was	be	AUX
cjfa-30371	75	11	processed	process	VERB
cjfa-30371	75	12	and	and	CCONJ
cjfa-30371	75	13	analyzed	analyze	VERB
cjfa-30371	75	14	in	in	ADP
cjfa-30371	75	15	accordance	accordance	NOUN
cjfa-30371	75	16	with	with	ADP
cjfa-30371	75	17	the	the	DET
cjfa-30371	75	18	outline	outline	NOUN
cjfa-30371	75	19	laid	lay	VERB
cjfa-30371	75	20	down	down	ADP
cjfa-30371	75	21	for	for	ADP
cjfa-30371	75	22	the	the	DET
cjfa-30371	75	23	purpose	purpose	NOUN
cjfa-30371	75	24	at	at	ADP
cjfa-30371	75	25	the	the	DET
cjfa-30371	75	26	time	time	NOUN
cjfa-30371	75	27	of	of	ADP
cjfa-30371	75	28	developing	develop	VERB
cjfa-30371	75	29	the	the	DET
cjfa-30371	75	30	research	research	NOUN
cjfa-30371	75	31	plan	plan	NOUN
cjfa-30371	75	32	.	.	PUNCT
cjfa-30371	76	1	this	this	PRON
cjfa-30371	76	2	is	be	AUX
cjfa-30371	76	3	essential	essential	ADJ
cjfa-30371	76	4	for	for	ADP
cjfa-30371	76	5	a	a	DET
cjfa-30371	76	6	scientific	scientific	ADJ
cjfa-30371	76	7	study	study	NOUN
cjfa-30371	76	8	and	and	CCONJ
cjfa-30371	76	9	for	for	ADP
cjfa-30371	76	10	ensuring	ensure	VERB
cjfa-30371	76	11	that	that	SCONJ
cjfa-30371	76	12	we	we	PRON
cjfa-30371	76	13	have	have	VERB
cjfa-30371	76	14	all	all	DET
cjfa-30371	76	15	relevant	relevant	ADJ
cjfa-30371	76	16	data	datum	NOUN
cjfa-30371	76	17	for	for	ADP
cjfa-30371	76	18	making	make	VERB
cjfa-30371	76	19	contemplated	contemplate	VERB
cjfa-30371	76	20	comparisons	comparison	NOUN
cjfa-30371	76	21	and	and	CCONJ
cjfa-30371	76	22	analysis	analysis	NOUN
cjfa-30371	76	23	.	.	PUNCT
cjfa-30371	77	1	technically	technically	ADV
cjfa-30371	77	2	speaking	speak	VERB
cjfa-30371	77	3	,	,	PUNCT
cjfa-30371	77	4	processing	processing	NOUN
cjfa-30371	77	5	implies	imply	VERB
cjfa-30371	77	6	editing	edit	VERB
cjfa-30371	77	7	,	,	PUNCT
cjfa-30371	77	8	coding	coding	NOUN
cjfa-30371	77	9	,	,	PUNCT
cjfa-30371	77	10	classification	classification	NOUN
cjfa-30371	77	11	and	and	CCONJ
cjfa-30371	77	12	tabulation	tabulation	NOUN
cjfa-30371	77	13	of	of	ADP
cjfa-30371	77	14	collected	collect	VERB
cjfa-30371	77	15	data	datum	NOUN
cjfa-30371	77	16	so	so	SCONJ
cjfa-30371	77	17	that	that	SCONJ
cjfa-30371	77	18	they	they	PRON
cjfa-30371	77	19	are	be	AUX
cjfa-30371	77	20	amenable	amenable	ADJ
cjfa-30371	77	21	to	to	ADP
cjfa-30371	77	22	analysis	analysis	NOUN
cjfa-30371	77	23	.	.	PUNCT
cjfa-30371	78	1	after	after	ADP
cjfa-30371	78	2	collecting	collect	VERB
cjfa-30371	78	3	the	the	DET
cjfa-30371	78	4	row	row	NOUN
cjfa-30371	78	5	data	datum	NOUN
cjfa-30371	78	6	it	it	PRON
cjfa-30371	78	7	is	be	AUX
cjfa-30371	78	8	edited	edit	VERB
cjfa-30371	78	9	,	,	PUNCT
cjfa-30371	78	10	coded	code	VERB
cjfa-30371	78	11	and	and	CCONJ
cjfa-30371	78	12	tabulated	tabulate	VERB
cjfa-30371	78	13	.	.	PUNCT
cjfa-30371	79	1	model	model	NOUN
cjfa-30371	79	2	specification	specification	NOUN
cjfa-30371	79	3	regression	regression	NOUN
cjfa-30371	79	4	analysis	analysis	NOUN
cjfa-30371	79	5	is	be	AUX
cjfa-30371	79	6	a	a	DET
cjfa-30371	79	7	statistical	statistical	ADJ
cjfa-30371	79	8	methodology	methodology	NOUN
cjfa-30371	79	9	that	that	PRON
cjfa-30371	79	10	utilizes	utilize	VERB
cjfa-30371	79	11	the	the	DET
cjfa-30371	79	12	relation	relation	NOUN
cjfa-30371	79	13	between	between	ADP
cjfa-30371	79	14	two	two	NUM
cjfa-30371	79	15	or	or	CCONJ
cjfa-30371	79	16	more	more	ADV
cjfa-30371	79	17	quantitative	quantitative	ADJ
cjfa-30371	79	18	variables	variable	NOUN
cjfa-30371	79	19	so	so	SCONJ
cjfa-30371	79	20	that	that	SCONJ
cjfa-30371	79	21	a	a	DET
cjfa-30371	79	22	response	response	NOUN
cjfa-30371	79	23	or	or	CCONJ
cjfa-30371	79	24	outcome	outcome	NOUN
cjfa-30371	79	25	variable	variable	NOUN
cjfa-30371	79	26	can	can	AUX
cjfa-30371	79	27	be	be	AUX
cjfa-30371	79	28	predicted	predict	VERB
cjfa-30371	79	29	from	from	ADP
cjfa-30371	79	30	the	the	DET
cjfa-30371	79	31	other	other	ADJ
cjfa-30371	79	32	,	,	PUNCT
cjfa-30371	79	33	or	or	CCONJ
cjfa-30371	79	34	others	other	NOUN
cjfa-30371	79	35	.	.	PUNCT
cjfa-30371	80	1	this	this	DET
cjfa-30371	80	2	methodology	methodology	NOUN
cjfa-30371	80	3	is	be	AUX
cjfa-30371	80	4	widely	widely	ADV
cjfa-30371	80	5	used	use	VERB
cjfa-30371	80	6	in	in	ADP
cjfa-30371	80	7	business	business	NOUN
cjfa-30371	80	8	.	.	PUNCT
cjfa-30371	81	1	determinants	determinant	NOUN
cjfa-30371	81	2	of	of	ADP
cjfa-30371	81	3	the	the	DET
cjfa-30371	81	4	profitability	profitability	NOUN
cjfa-30371	81	5	of	of	ADP
cjfa-30371	81	6	commercial	commercial	ADJ
cjfa-30371	81	7	banks	bank	NOUN
cjfa-30371	81	8	in	in	ADP
cjfa-30371	81	9	ethiopia	ethiopia	PROPN
cjfa-30371	81	10	191	191	NUM
cjfa-30371	81	11	the	the	DET
cjfa-30371	81	12	model	model	NOUN
cjfa-30371	81	13	adopted	adopt	VERB
cjfa-30371	81	14	for	for	ADP
cjfa-30371	81	15	the	the	DET
cjfa-30371	81	16	analysis	analysis	NOUN
cjfa-30371	81	17	can	can	AUX
cjfa-30371	81	18	be	be	AUX
cjfa-30371	81	19	re	re	VERB
cjfa-30371	81	20	-	-	VERB
cjfa-30371	81	21	written	write	VERB
cjfa-30371	81	22	as	as	SCONJ
cjfa-30371	81	23	follows	follow	VERB
cjfa-30371	81	24	:	:	PUNCT
cjfa-30371	82	1	roai	roai	NOUN
cjfa-30371	82	2	,	,	PUNCT
cjfa-30371	82	3	t	t	PROPN
cjfa-30371	82	4	=	=	PUNCT
cjfa-30371	82	5	α	α	PROPN
cjfa-30371	82	6	+	+	X
cjfa-30371	82	7	β1(capta)i	β1(capta)i	PROPN
cjfa-30371	82	8	,	,	PUNCT
cjfa-30371	82	9	t	t	PROPN
cjfa-30371	82	10	+	+	CCONJ
cjfa-30371	82	11	β2(bmix)i	β2(bmix)i	PROPN
cjfa-30371	82	12	,	,	PUNCT
cjfa-30371	82	13	t	t	PROPN
cjfa-30371	82	14	+	+	CCONJ
cjfa-30371	82	15	β3(gexopin)i	β3(gexopin)i	PROPN
cjfa-30371	82	16	,	,	PUNCT
cjfa-30371	82	17	t	t	NOUN
cjfa-30371	82	18	+	+	CCONJ
cjfa-30371	83	1	+	+	ADJ
cjfa-30371	83	2	β4(loandep)i	β4(loandep)i	PROPN
cjfa-30371	83	3	,	,	PUNCT
cjfa-30371	83	4	t	t	PROPN
cjfa-30371	83	5	+	+	CCONJ
cjfa-30371	83	6	β5(bs)i	β5(bs)i	PROPN
cjfa-30371	83	7	,	,	PUNCT
cjfa-30371	83	8	t	t	PROPN
cjfa-30371	83	9	+	+	CCONJ
cjfa-30371	83	10	β6(own)i	β6(own)i	PROPN
cjfa-30371	83	11	,	,	PUNCT
cjfa-30371	83	12	t	t	NOUN
cjfa-30371	83	13	+	+	CCONJ
cjfa-30371	83	14	β7(hh_ta)it	β7(hh_ta)it	PROPN
cjfa-30371	83	15	+	+	PUNCT
cjfa-30371	84	1	+	+	ADJ
cjfa-30371	84	2	β8(gdp)it	β8(gdp)it	ADJ
cjfa-30371	85	1	+	+	CCONJ
cjfa-30371	85	2	εi	εi	ADJ
cjfa-30371	85	3	,	,	PUNCT
cjfa-30371	85	4	t	t	PROPN
cjfa-30371	85	5	(	(	PUNCT
cjfa-30371	85	6	1	1	NUM
cjfa-30371	85	7	)	)	PUNCT
cjfa-30371	86	1	where	where	SCONJ
cjfa-30371	86	2	:	:	PUNCT
cjfa-30371	86	3	roa	roa	PROPN
cjfa-30371	86	4	=	=	PUNCT
cjfa-30371	86	5	return	return	NOUN
cjfa-30371	86	6	on	on	ADP
cjfa-30371	86	7	asset	asset	NOUN
cjfa-30371	86	8	capta	capta	NOUN
cjfa-30371	86	9	=	=	SYM
cjfa-30371	86	10	capital	capital	NOUN
cjfa-30371	86	11	to	to	PART
cjfa-30371	86	12	total	total	VERB
cjfa-30371	86	13	asset	asset	NOUN
cjfa-30371	86	14	gexopin	gexopin	NOUN
cjfa-30371	86	15	=	=	SYM
cjfa-30371	86	16	general	general	ADJ
cjfa-30371	86	17	expanses	expanse	NOUN
cjfa-30371	86	18	to	to	ADP
cjfa-30371	86	19	operating	operate	VERB
cjfa-30371	86	20	income	income	NOUN
cjfa-30371	86	21	loandep	loandep	ADV
cjfa-30371	86	22	=	=	VERB
cjfa-30371	86	23	loan	loan	NOUN
cjfa-30371	86	24	to	to	PART
cjfa-30371	86	25	deposit	deposit	VERB
cjfa-30371	86	26	bmix	bmix	NOUN
cjfa-30371	86	27	=	=	NOUN
cjfa-30371	86	28	business	business	NOUN
cjfa-30371	86	29	mix	mix	NOUN
cjfa-30371	86	30	(	(	PUNCT
cjfa-30371	86	31	service	service	NOUN
cjfa-30371	86	32	charge	charge	NOUN
cjfa-30371	86	33	and	and	CCONJ
cjfa-30371	86	34	commission	commission	NOUN
cjfa-30371	86	35	income	income	NOUN
cjfa-30371	86	36	to	to	ADP
cjfa-30371	86	37	total	total	ADJ
cjfa-30371	86	38	operating	operating	NOUN
cjfa-30371	86	39	income	income	NOUN
cjfa-30371	86	40	)	)	PUNCT
cjfa-30371	86	41	bs	bs	NOUN
cjfa-30371	86	42	=	=	PUNCT
cjfa-30371	86	43	bank	bank	NOUN
cjfa-30371	86	44	size	size	NOUN
cjfa-30371	86	45	(	(	PUNCT
cjfa-30371	86	46	total	total	ADJ
cjfa-30371	86	47	asset	asset	NOUN
cjfa-30371	86	48	)	)	PUNCT
cjfa-30371	86	49	own	own	ADJ
cjfa-30371	86	50	=	=	SYM
cjfa-30371	86	51	ownership	ownership	NOUN
cjfa-30371	86	52	hhi_ta	hhi_ta	NOUN
cjfa-30371	86	53	=	=	SYM
cjfa-30371	86	54	herfindhal	herfindhal	ADJ
cjfa-30371	86	55	-	-	PUNCT
cjfa-30371	86	56	hirschman	hirschman	NOUN
cjfa-30371	86	57	index	index	NOUN
cjfa-30371	86	58	in	in	ADP
cjfa-30371	86	59	terms	term	NOUN
cjfa-30371	86	60	of	of	ADP
cjfa-30371	86	61	total	total	ADJ
cjfa-30371	86	62	asset	asset	NOUN
cjfa-30371	86	63	gdp	gdp	NOUN
cjfa-30371	86	64	=	=	PROPN
cjfa-30371	86	65	real	real	ADJ
cjfa-30371	86	66	gdp	gdp	NOUN
cjfa-30371	86	67	growth	growth	NOUN
cjfa-30371	86	68	rate	rate	NOUN
cjfa-30371	86	69	ε	ε	PROPN
cjfa-30371	86	70	=	=	PUNCT
cjfa-30371	86	71	the	the	DET
cjfa-30371	86	72	error	error	NOUN
cjfa-30371	86	73	term	term	NOUN
cjfa-30371	86	74	t	t	NOUN
cjfa-30371	86	75	=	=	PUNCT
cjfa-30371	86	76	time	time	NOUN
cjfa-30371	86	77	(	(	PUNCT
cjfa-30371	86	78	in	in	ADP
cjfa-30371	86	79	year	year	NOUN
cjfa-30371	86	80	)	)	PUNCT
cjfa-30371	87	1	i	i	PRON
cjfa-30371	87	2	=	=	PUNCT
cjfa-30371	87	3	individual	individual	ADJ
cjfa-30371	87	4	bank	bank	NOUN
cjfa-30371	87	5	capital	capital	NOUN
cjfa-30371	87	6	adequacy	adequacy	NOUN
cjfa-30371	87	7	capital	capital	NOUN
cjfa-30371	87	8	adequacy	adequacy	NOUN
cjfa-30371	87	9	ratio	ratio	NOUN
cjfa-30371	87	10	is	be	AUX
cjfa-30371	87	11	measured	measure	VERB
cjfa-30371	87	12	by	by	ADP
cjfa-30371	87	13	the	the	DET
cjfa-30371	87	14	proportion	proportion	NOUN
cjfa-30371	87	15	of	of	ADP
cjfa-30371	87	16	banks	bank	NOUN
cjfa-30371	87	17	equity	equity	NOUN
cjfa-30371	87	18	capital	capital	NOUN
cjfa-30371	87	19	to	to	PART
cjfa-30371	87	20	total	total	VERB
cjfa-30371	87	21	asset	asset	NOUN
cjfa-30371	87	22	.	.	PUNCT
cjfa-30371	88	1	studies	study	NOUN
cjfa-30371	88	2	found	find	VERB
cjfa-30371	88	3	that	that	SCONJ
cjfa-30371	88	4	the	the	DET
cjfa-30371	88	5	relationship	relationship	NOUN
cjfa-30371	88	6	between	between	ADP
cjfa-30371	88	7	capital	capital	NOUN
cjfa-30371	88	8	adequacy	adequacy	NOUN
cjfa-30371	88	9	ratio	ratio	NOUN
cjfa-30371	88	10	and	and	CCONJ
cjfa-30371	88	11	banks	bank	NOUN
cjfa-30371	88	12	profitability	profitability	NOUN
cjfa-30371	88	13	is	be	AUX
cjfa-30371	88	14	negative	negative	ADJ
cjfa-30371	88	15	.	.	PUNCT
cjfa-30371	89	1	the	the	PRON
cjfa-30371	89	2	higher	high	ADJ
cjfa-30371	89	3	the	the	DET
cjfa-30371	89	4	ratio	ratio	NOUN
cjfa-30371	89	5	of	of	ADP
cjfa-30371	89	6	equity	equity	NOUN
cjfa-30371	89	7	to	to	ADP
cjfa-30371	89	8	asset	asset	NOUN
cjfa-30371	89	9	ratio	ratio	NOUN
cjfa-30371	89	10	the	the	PRON
cjfa-30371	89	11	higher	high	ADJ
cjfa-30371	89	12	will	will	AUX
cjfa-30371	89	13	be	be	AUX
cjfa-30371	89	14	the	the	DET
cjfa-30371	89	15	risk	risk	NOUN
cjfa-30371	89	16	aversion	aversion	NOUN
cjfa-30371	89	17	ability	ability	NOUN
cjfa-30371	89	18	of	of	ADP
cjfa-30371	89	19	the	the	DET
cjfa-30371	89	20	banks	bank	NOUN
cjfa-30371	89	21	,	,	PUNCT
cjfa-30371	89	22	but	but	CCONJ
cjfa-30371	89	23	this	this	DET
cjfa-30371	89	24	high	high	ADJ
cjfa-30371	89	25	capital	capital	NOUN
cjfa-30371	89	26	adequacy	adequacy	NOUN
cjfa-30371	89	27	ratio	ratio	NOUN
cjfa-30371	89	28	also	also	ADV
cjfa-30371	89	29	negatively	negatively	ADV
cjfa-30371	89	30	impacts	impact	VERB
cjfa-30371	89	31	the	the	DET
cjfa-30371	89	32	profitability	profitability	NOUN
cjfa-30371	89	33	,	,	PUNCT
cjfa-30371	89	34	growth	growth	NOUN
cjfa-30371	89	35	capability	capability	NOUN
cjfa-30371	89	36	and	and	CCONJ
cjfa-30371	89	37	competitive	competitive	ADJ
cjfa-30371	89	38	ability	ability	NOUN
cjfa-30371	89	39	of	of	ADP
cjfa-30371	89	40	banks	bank	NOUN
cjfa-30371	89	41	(	(	PUNCT
cjfa-30371	89	42	ezike	ezike	PROPN
cjfa-30371	89	43	&	&	CCONJ
cjfa-30371	89	44	oke	oke	PROPN
cjfa-30371	89	45	,	,	PUNCT
cjfa-30371	89	46	2013	2013	NUM
cjfa-30371	89	47	)	)	PUNCT
cjfa-30371	89	48	.	.	PUNCT
cjfa-30371	90	1	bank	bank	NOUN
cjfa-30371	90	2	size	size	NOUN
cjfa-30371	90	3	(	(	PUNCT
cjfa-30371	90	4	asset	asset	NOUN
cjfa-30371	90	5	)	)	PUNCT
cjfa-30371	90	6	the	the	DET
cjfa-30371	90	7	effect	effect	NOUN
cjfa-30371	90	8	of	of	ADP
cjfa-30371	90	9	bank	bank	NOUN
cjfa-30371	90	10	size	size	NOUN
cjfa-30371	90	11	on	on	ADP
cjfa-30371	90	12	the	the	DET
cjfa-30371	90	13	profitability	profitability	NOUN
cjfa-30371	90	14	of	of	ADP
cjfa-30371	90	15	commercial	commercial	ADJ
cjfa-30371	90	16	banks	bank	NOUN
cjfa-30371	90	17	is	be	AUX
cjfa-30371	90	18	limited	limit	VERB
cjfa-30371	90	19	up	up	ADP
cjfa-30371	90	20	to	to	ADP
cjfa-30371	90	21	certain	certain	ADJ
cjfa-30371	90	22	extent	extent	NOUN
cjfa-30371	90	23	.	.	PUNCT
cjfa-30371	91	1	as	as	SCONJ
cjfa-30371	91	2	the	the	DET
cjfa-30371	91	3	size	size	NOUN
cjfa-30371	91	4	of	of	ADP
cjfa-30371	91	5	the	the	DET
cjfa-30371	91	6	banks	bank	NOUN
cjfa-30371	91	7	increase	increase	VERB
cjfa-30371	91	8	profitability	profitability	NOUN
cjfa-30371	91	9	also	also	ADV
cjfa-30371	91	10	increases	increase	VERB
cjfa-30371	91	11	,	,	PUNCT
cjfa-30371	91	12	but	but	CCONJ
cjfa-30371	91	13	beyond	beyond	ADP
cjfa-30371	91	14	certain	certain	ADJ
cjfa-30371	91	15	extent	extent	NOUN
cjfa-30371	91	16	the	the	DET
cjfa-30371	91	17	impact	impact	NOUN
cjfa-30371	91	18	will	will	AUX
cjfa-30371	91	19	be	be	AUX
cjfa-30371	91	20	negative	negative	ADJ
cjfa-30371	91	21	(	(	PUNCT
cjfa-30371	91	22	athanasoglou	athanasoglou	ADJ
cjfa-30371	91	23	,	,	PUNCT
cjfa-30371	91	24	sophocles	sophocles	PROPN
cjfa-30371	91	25	&	&	CCONJ
cjfa-30371	91	26	matthaios	matthaio	NOUN
cjfa-30371	91	27	,	,	PUNCT
cjfa-30371	91	28	2005	2005	NUM
cjfa-30371	91	29	)	)	PUNCT
cjfa-30371	91	30	.	.	PUNCT
cjfa-30371	92	1	goddard	goddard	PROPN
cjfa-30371	92	2	,	,	PUNCT
cjfa-30371	92	3	molyneux	molyneux	PROPN
cjfa-30371	92	4	and	and	CCONJ
cjfa-30371	92	5	wilson	wilson	PROPN
cjfa-30371	92	6	(	(	PUNCT
cjfa-30371	92	7	2004	2004	NUM
cjfa-30371	92	8	)	)	PUNCT
cjfa-30371	92	9	also	also	ADV
cjfa-30371	92	10	found	find	VERB
cjfa-30371	92	11	positive	positive	ADJ
cjfa-30371	92	12	relationship	relationship	NOUN
cjfa-30371	92	13	between	between	ADP
cjfa-30371	92	14	bank	bank	NOUN
cjfa-30371	92	15	size	size	NOUN
cjfa-30371	92	16	and	and	CCONJ
cjfa-30371	92	17	bank	bank	NOUN
cjfa-30371	92	18	profitability	profitability	NOUN
cjfa-30371	92	19	.	.	PUNCT
cjfa-30371	93	1	muktar	muktar	PROPN
cjfa-30371	93	2	abdela	abdela	PROPN
cjfa-30371	93	3	shifa	shifa	PROPN
cjfa-30371	93	4	,	,	PUNCT
cjfa-30371	93	5	kenenisa	kenenisa	NOUN
cjfa-30371	93	6	lemmi	lemmi	PROPN
cjfa-30371	93	7	debela	debela	PROPN
cjfa-30371	93	8	,	,	PUNCT
cjfa-30371	93	9	endalew	endalew	NOUN
cjfa-30371	93	10	gutu	gutu	NOUN
cjfa-30371	93	11	tarfa192	tarfa192	PROPN
cjfa-30371	93	12	liquidity	liquidity	NOUN
cjfa-30371	93	13	risk	risk	NOUN
cjfa-30371	93	14	liquidity	liquidity	NOUN
cjfa-30371	93	15	risk	risk	NOUN
cjfa-30371	93	16	is	be	AUX
cjfa-30371	93	17	basically	basically	ADV
cjfa-30371	93	18	a	a	DET
cjfa-30371	93	19	bank	bank	NOUN
cjfa-30371	93	20	’s	’s	PART
cjfa-30371	93	21	inability	inability	NOUN
cjfa-30371	93	22	to	to	PART
cjfa-30371	93	23	meet	meet	VERB
cjfa-30371	93	24	the	the	DET
cjfa-30371	93	25	cash	cash	NOUN
cjfa-30371	93	26	demand	demand	NOUN
cjfa-30371	93	27	of	of	ADP
cjfa-30371	93	28	its	its	PRON
cjfa-30371	93	29	customers	customer	NOUN
cjfa-30371	93	30	.	.	PUNCT
cjfa-30371	94	1	it	it	PRON
cjfa-30371	94	2	indicates	indicate	VERB
cjfa-30371	94	3	the	the	DET
cjfa-30371	94	4	ability	ability	NOUN
cjfa-30371	94	5	of	of	ADP
cjfa-30371	94	6	the	the	DET
cjfa-30371	94	7	bank	bank	NOUN
cjfa-30371	94	8	to	to	PART
cjfa-30371	94	9	deal	deal	VERB
cjfa-30371	94	10	with	with	ADP
cjfa-30371	94	11	deposit	deposit	NOUN
cjfa-30371	94	12	withdrawals	withdrawal	NOUN
cjfa-30371	94	13	and	and	CCONJ
cjfa-30371	94	14	loan	loan	NOUN
cjfa-30371	94	15	demands	demand	NOUN
cjfa-30371	94	16	(	(	PUNCT
cjfa-30371	94	17	million	million	NUM
cjfa-30371	94	18	,	,	PUNCT
cjfa-30371	94	19	matewos	matewos	PROPN
cjfa-30371	94	20	&	&	CCONJ
cjfa-30371	94	21	sujata	sujata	PROPN
cjfa-30371	94	22	,	,	PUNCT
cjfa-30371	94	23	2014	2014	NUM
cjfa-30371	94	24	)	)	PUNCT
cjfa-30371	94	25	.	.	PUNCT
cjfa-30371	95	1	the	the	DET
cjfa-30371	95	2	higher	high	ADJ
cjfa-30371	95	3	amount	amount	NOUN
cjfa-30371	95	4	of	of	ADP
cjfa-30371	95	5	loans	loan	NOUN
cjfa-30371	95	6	against	against	ADP
cjfa-30371	95	7	per	per	ADP
cjfa-30371	95	8	dollar	dollar	NOUN
cjfa-30371	95	9	deposit	deposit	NOUN
cjfa-30371	95	10	increases	increase	VERB
cjfa-30371	95	11	bank	bank	NOUN
cjfa-30371	95	12	liquidity	liquidity	NOUN
cjfa-30371	95	13	risk	risk	NOUN
cjfa-30371	95	14	(	(	PUNCT
cjfa-30371	95	15	samad	samad	PROPN
cjfa-30371	95	16	,	,	PUNCT
cjfa-30371	95	17	2015	2015	NUM
cjfa-30371	95	18	)	)	PUNCT
cjfa-30371	95	19	.	.	PUNCT
cjfa-30371	96	1	amdemikael	amdemikael	PROPN
cjfa-30371	96	2	(	(	PUNCT
cjfa-30371	96	3	2012	2012	NUM
cjfa-30371	96	4	)	)	PUNCT
cjfa-30371	96	5	concluded	conclude	VERB
cjfa-30371	96	6	that	that	SCONJ
cjfa-30371	96	7	the	the	DET
cjfa-30371	96	8	relationship	relationship	NOUN
cjfa-30371	96	9	for	for	ADP
cjfa-30371	96	10	liquidity	liquidity	NOUN
cjfa-30371	96	11	risks	risk	NOUN
cjfa-30371	96	12	found	find	VERB
cjfa-30371	96	13	to	to	PART
cjfa-30371	96	14	be	be	AUX
cjfa-30371	96	15	statistically	statistically	ADV
cjfa-30371	96	16	insignificant	insignificant	ADJ
cjfa-30371	96	17	on	on	ADP
cjfa-30371	96	18	the	the	DET
cjfa-30371	96	19	profitability	profitability	NOUN
cjfa-30371	96	20	of	of	ADP
cjfa-30371	96	21	commercial	commercial	ADJ
cjfa-30371	96	22	banks	bank	NOUN
cjfa-30371	96	23	in	in	ADP
cjfa-30371	96	24	ethiopia	ethiopia	PROPN
cjfa-30371	96	25	.	.	PUNCT
cjfa-30371	97	1	management	management	NOUN
cjfa-30371	97	2	efficiency	efficiency	NOUN
cjfa-30371	97	3	ongore	ongore	NOUN
cjfa-30371	97	4	and	and	CCONJ
cjfa-30371	97	5	kusa	kusa	PROPN
cjfa-30371	97	6	(	(	PUNCT
cjfa-30371	97	7	2013	2013	NUM
cjfa-30371	97	8	)	)	PUNCT
cjfa-30371	97	9	believe	believe	VERB
cjfa-30371	97	10	that	that	SCONJ
cjfa-30371	97	11	management	management	NOUN
cjfa-30371	97	12	efficiency	efficiency	NOUN
cjfa-30371	97	13	is	be	AUX
cjfa-30371	97	14	a	a	DET
cjfa-30371	97	15	complex	complex	ADJ
cjfa-30371	97	16	subject	subject	NOUN
cjfa-30371	97	17	to	to	ADP
cjfa-30371	97	18	capture	capture	NOUN
cjfa-30371	97	19	with	with	ADP
cjfa-30371	97	20	financial	financial	ADJ
cjfa-30371	97	21	ratio	ratio	NOUN
cjfa-30371	97	22	,	,	PUNCT
cjfa-30371	97	23	and	and	CCONJ
cjfa-30371	97	24	it	it	PRON
cjfa-30371	97	25	is	be	AUX
cjfa-30371	97	26	still	still	ADV
cjfa-30371	97	27	one	one	NUM
cjfa-30371	97	28	of	of	ADP
cjfa-30371	97	29	the	the	DET
cjfa-30371	97	30	key	key	ADJ
cjfa-30371	97	31	determinants	determinant	NOUN
cjfa-30371	97	32	that	that	PRON
cjfa-30371	97	33	affect	affect	VERB
cjfa-30371	97	34	the	the	DET
cjfa-30371	97	35	bank	bank	NOUN
cjfa-30371	97	36	’s	’s	PART
cjfa-30371	97	37	profitability	profitability	NOUN
cjfa-30371	97	38	.	.	PUNCT
cjfa-30371	98	1	generally	generally	ADV
cjfa-30371	98	2	,	,	PUNCT
cjfa-30371	98	3	the	the	DET
cjfa-30371	98	4	operating	operate	VERB
cjfa-30371	98	5	profit	profit	NOUN
cjfa-30371	98	6	to	to	PART
cjfa-30371	98	7	income	income	NOUN
cjfa-30371	98	8	ratio	ratio	NOUN
cjfa-30371	98	9	,	,	PUNCT
cjfa-30371	98	10	the	the	DET
cjfa-30371	98	11	ratio	ratio	NOUN
cjfa-30371	98	12	of	of	ADP
cjfa-30371	98	13	cost	cost	NOUN
cjfa-30371	98	14	to	to	ADP
cjfa-30371	98	15	total	total	ADJ
cjfa-30371	98	16	asset	asset	NOUN
cjfa-30371	98	17	,	,	PUNCT
cjfa-30371	98	18	and	and	CCONJ
cjfa-30371	98	19	the	the	DET
cjfa-30371	98	20	ratio	ratio	NOUN
cjfa-30371	98	21	of	of	ADP
cjfa-30371	98	22	net	net	ADJ
cjfa-30371	98	23	interest	interest	NOUN
cjfa-30371	98	24	expense	expense	NOUN
cjfa-30371	98	25	to	to	ADP
cjfa-30371	98	26	net	net	ADJ
cjfa-30371	98	27	interest	interest	NOUN
cjfa-30371	98	28	income	income	NOUN
cjfa-30371	98	29	,	,	PUNCT
cjfa-30371	98	30	were	be	AUX
cjfa-30371	98	31	used	use	VERB
cjfa-30371	98	32	by	by	ADP
cjfa-30371	98	33	prior	prior	ADJ
cjfa-30371	98	34	studies	study	NOUN
cjfa-30371	98	35	to	to	PART
cjfa-30371	98	36	measure	measure	VERB
cjfa-30371	98	37	management	management	NOUN
cjfa-30371	98	38	efficiency	efficiency	NOUN
cjfa-30371	98	39	.	.	PUNCT
cjfa-30371	99	1	among	among	ADP
cjfa-30371	99	2	these	these	DET
cjfa-30371	99	3	researchers	researcher	NOUN
cjfa-30371	99	4	nessreddine	nessreddine	VERB
cjfa-30371	99	5	,	,	PUNCT
cjfa-30371	99	6	fatman	fatman	PROPN
cjfa-30371	99	7	and	and	CCONJ
cjfa-30371	99	8	anis	anis	PROPN
cjfa-30371	99	9	(	(	PUNCT
cjfa-30371	99	10	2013	2013	NUM
cjfa-30371	99	11	)	)	PUNCT
cjfa-30371	99	12	,	,	PUNCT
cjfa-30371	99	13	mulualem	mulualem	NOUN
cjfa-30371	99	14	(	(	PUNCT
cjfa-30371	99	15	2015	2015	NUM
cjfa-30371	99	16	)	)	PUNCT
cjfa-30371	99	17	used	use	VERB
cjfa-30371	99	18	the	the	DET
cjfa-30371	99	19	above	above	ADJ
cjfa-30371	99	20	last	last	ADJ
cjfa-30371	99	21	two	two	NUM
cjfa-30371	99	22	ratios	ratio	NOUN
cjfa-30371	99	23	respectively	respectively	ADV
cjfa-30371	99	24	.	.	PUNCT
cjfa-30371	100	1	business	business	NOUN
cjfa-30371	100	2	mix	mix	NOUN
cjfa-30371	100	3	indicators	indicator	NOUN
cjfa-30371	100	4	service	service	NOUN
cjfa-30371	100	5	charge	charge	PROPN
cjfa-30371	100	6	&	&	CCONJ
cjfa-30371	100	7	commission	commission	PROPN
cjfa-30371	100	8	income	income	NOUN
cjfa-30371	100	9	to	to	ADP
cjfa-30371	100	10	total	total	ADJ
cjfa-30371	100	11	income	income	NOUN
cjfa-30371	100	12	ratio	ratio	NOUN
cjfa-30371	100	13	is	be	AUX
cjfa-30371	100	14	used	use	VERB
cjfa-30371	100	15	to	to	PART
cjfa-30371	100	16	represent	represent	VERB
cjfa-30371	100	17	the	the	DET
cjfa-30371	100	18	business	business	NOUN
cjfa-30371	100	19	mix	mix	NOUN
cjfa-30371	100	20	for	for	ADP
cjfa-30371	100	21	the	the	DET
cjfa-30371	100	22	banks	bank	NOUN
cjfa-30371	100	23	.	.	PUNCT
cjfa-30371	101	1	although	although	SCONJ
cjfa-30371	101	2	fee	fee	NOUN
cjfa-30371	101	3	based	base	VERB
cjfa-30371	101	4	services	service	NOUN
cjfa-30371	101	5	in	in	ADP
cjfa-30371	101	6	general	general	ADJ
cjfa-30371	101	7	generates	generate	VERB
cjfa-30371	101	8	lesser	less	ADJ
cjfa-30371	101	9	income	income	NOUN
cjfa-30371	101	10	than	than	ADP
cjfa-30371	101	11	loans	loan	NOUN
cjfa-30371	101	12	,	,	PUNCT
cjfa-30371	101	13	it	it	PRON
cjfa-30371	101	14	is	be	AUX
cjfa-30371	101	15	expected	expect	VERB
cjfa-30371	101	16	to	to	PART
cjfa-30371	101	17	add	add	VERB
cjfa-30371	101	18	something	something	PRON
cjfa-30371	101	19	on	on	ADP
cjfa-30371	101	20	banks	bank	NOUN
cjfa-30371	101	21	profit	profit	NOUN
cjfa-30371	101	22	and	and	CCONJ
cjfa-30371	101	23	have	have	VERB
cjfa-30371	101	24	a	a	DET
cjfa-30371	101	25	positive	positive	ADJ
cjfa-30371	101	26	relationship	relationship	NOUN
cjfa-30371	101	27	with	with	ADP
cjfa-30371	101	28	profitability	profitability	NOUN
cjfa-30371	101	29	.	.	PUNCT
cjfa-30371	102	1	the	the	DET
cjfa-30371	102	2	share	share	NOUN
cjfa-30371	102	3	of	of	ADP
cjfa-30371	102	4	income	income	NOUN
cjfa-30371	102	5	from	from	ADP
cjfa-30371	102	6	service	service	NOUN
cjfa-30371	102	7	charge	charge	NOUN
cjfa-30371	102	8	and	and	CCONJ
cjfa-30371	102	9	commission	commission	NOUN
cjfa-30371	102	10	is	be	AUX
cjfa-30371	102	11	found	find	VERB
cjfa-30371	102	12	to	to	PART
cjfa-30371	102	13	be	be	AUX
cjfa-30371	102	14	one	one	NUM
cjfa-30371	102	15	of	of	ADP
cjfa-30371	102	16	key	key	ADJ
cjfa-30371	102	17	drivers	driver	NOUN
cjfa-30371	102	18	of	of	ADP
cjfa-30371	102	19	the	the	DET
cjfa-30371	102	20	performance	performance	NOUN
cjfa-30371	102	21	of	of	ADP
cjfa-30371	102	22	ethiopian	ethiopian	ADJ
cjfa-30371	102	23	banks	bank	NOUN
cjfa-30371	102	24	(	(	PUNCT
cjfa-30371	102	25	tesfaye	tesfaye	NOUN
cjfa-30371	102	26	,	,	PUNCT
cjfa-30371	102	27	2014	2014	NUM
cjfa-30371	102	28	)	)	PUNCT
cjfa-30371	102	29	.	.	PUNCT
cjfa-30371	103	1	the	the	DET
cjfa-30371	103	2	herfindahl	herfindahl	PROPN
cjfa-30371	103	3	hirschman	hirschman	PROPN
cjfa-30371	103	4	index	index	NOUN
cjfa-30371	103	5	(	(	PUNCT
cjfa-30371	103	6	hhi	hhi	PROPN
cjfa-30371	103	7	)	)	PUNCT
cjfa-30371	103	8	the	the	DET
cjfa-30371	103	9	relation	relation	NOUN
cjfa-30371	103	10	of	of	ADP
cjfa-30371	103	11	hhi	hhi	NOUN
cjfa-30371	103	12	to	to	ADP
cjfa-30371	103	13	bank	bank	NOUN
cjfa-30371	103	14	profitability	profitability	NOUN
cjfa-30371	103	15	is	be	AUX
cjfa-30371	103	16	not	not	PART
cjfa-30371	103	17	certain	certain	ADJ
cjfa-30371	103	18	because	because	SCONJ
cjfa-30371	103	19	many	many	ADJ
cjfa-30371	103	20	of	of	ADP
cjfa-30371	103	21	these	these	DET
cjfa-30371	103	22	market	market	NOUN
cjfa-30371	103	23	structure	structure	NOUN
cjfa-30371	103	24	studies	study	NOUN
cjfa-30371	103	25	do	do	AUX
cjfa-30371	103	26	not	not	PART
cjfa-30371	103	27	provide	provide	VERB
cjfa-30371	103	28	consistent	consistent	ADJ
cjfa-30371	103	29	support	support	NOUN
cjfa-30371	103	30	for	for	ADP
cjfa-30371	103	31	the	the	DET
cjfa-30371	103	32	approach	approach	NOUN
cjfa-30371	103	33	that	that	SCONJ
cjfa-30371	103	34	there	there	PRON
cjfa-30371	103	35	is	be	VERB
cjfa-30371	103	36	a	a	DET
cjfa-30371	103	37	direct	direct	ADJ
cjfa-30371	103	38	relation	relation	NOUN
cjfa-30371	103	39	between	between	ADP
cjfa-30371	103	40	concentration	concentration	NOUN
cjfa-30371	103	41	and	and	CCONJ
cjfa-30371	103	42	profitability	profitability	NOUN
cjfa-30371	103	43	(	(	PUNCT
cjfa-30371	103	44	patria	patria	PROPN
cjfa-30371	103	45	,	,	PUNCT
cjfa-30371	103	46	capraru	capraru	PROPN
cjfa-30371	103	47	&	&	CCONJ
cjfa-30371	103	48	ihnatov	ihnatov	PROPN
cjfa-30371	103	49	,	,	PUNCT
cjfa-30371	103	50	2015	2015	NUM
cjfa-30371	103	51	)	)	PUNCT
cjfa-30371	103	52	.	.	PUNCT
cjfa-30371	104	1	the	the	DET
cjfa-30371	104	2	result	result	NOUN
cjfa-30371	104	3	of	of	ADP
cjfa-30371	104	4	their	their	PRON
cjfa-30371	104	5	study	study	NOUN
cjfa-30371	104	6	on	on	ADP
cjfa-30371	104	7	the	the	DET
cjfa-30371	104	8	eu	eu	PROPN
cjfa-30371	104	9	27	27	NUM
cjfa-30371	104	10	banking	banking	NOUN
cjfa-30371	104	11	system	system	NOUN
cjfa-30371	104	12	found	find	VERB
cjfa-30371	104	13	that	that	SCONJ
cjfa-30371	104	14	market	market	NOUN
cjfa-30371	104	15	concentration	concentration	NOUN
cjfa-30371	104	16	diminishes	diminish	VERB
cjfa-30371	104	17	bank	bank	NOUN
cjfa-30371	104	18	profitability	profitability	NOUN
cjfa-30371	104	19	.	.	PUNCT
cjfa-30371	105	1	thus	thus	ADV
cjfa-30371	105	2	competition	competition	NOUN
cjfa-30371	105	3	has	have	VERB
cjfa-30371	105	4	a	a	DET
cjfa-30371	105	5	positive	positive	ADJ
cjfa-30371	105	6	impact	impact	NOUN
cjfa-30371	105	7	on	on	ADP
cjfa-30371	105	8	the	the	DET
cjfa-30371	105	9	banks	bank	NOUN
cjfa-30371	105	10	profitability	profitability	NOUN
cjfa-30371	105	11	.	.	PUNCT
cjfa-30371	106	1	determinants	determinant	NOUN
cjfa-30371	106	2	of	of	ADP
cjfa-30371	106	3	the	the	DET
cjfa-30371	106	4	profitability	profitability	NOUN
cjfa-30371	106	5	of	of	ADP
cjfa-30371	106	6	commercial	commercial	ADJ
cjfa-30371	106	7	banks	bank	NOUN
cjfa-30371	106	8	in	in	ADP
cjfa-30371	106	9	ethiopia	ethiopia	PROPN
cjfa-30371	106	10	193	193	NUM
cjfa-30371	106	11	economic	economic	ADJ
cjfa-30371	106	12	growth	growth	NOUN
cjfa-30371	106	13	(	(	PUNCT
cjfa-30371	106	14	gdp	gdp	NOUN
cjfa-30371	106	15	)	)	PUNCT
cjfa-30371	106	16	according	accord	VERB
cjfa-30371	106	17	to	to	ADP
cjfa-30371	106	18	herald	herald	PROPN
cjfa-30371	106	19	and	and	CCONJ
cjfa-30371	106	20	heiko	heiko	PROPN
cjfa-30371	106	21	(	(	PUNCT
cjfa-30371	106	22	2009	2009	NUM
cjfa-30371	106	23	)	)	PUNCT
cjfa-30371	106	24	,	,	PUNCT
cjfa-30371	106	25	economic	economic	ADJ
cjfa-30371	106	26	growth	growth	NOUN
cjfa-30371	106	27	is	be	AUX
cjfa-30371	106	28	one	one	NUM
cjfa-30371	106	29	of	of	ADP
cjfa-30371	106	30	the	the	DET
cjfa-30371	106	31	determining	determine	VERB
cjfa-30371	106	32	factors	factor	NOUN
cjfa-30371	106	33	for	for	ADP
cjfa-30371	106	34	commercial	commercial	ADJ
cjfa-30371	106	35	banks	bank	NOUN
cjfa-30371	106	36	deposits	deposit	NOUN
cjfa-30371	106	37	.	.	PUNCT
cjfa-30371	107	1	therefore	therefore	ADV
cjfa-30371	107	2	,	,	PUNCT
cjfa-30371	107	3	increase	increase	VERB
cjfa-30371	107	4	in	in	ADP
cjfa-30371	107	5	gdp	gdp	NOUN
cjfa-30371	107	6	increases	increase	NOUN
cjfa-30371	107	7	wellbeing	wellbee	VERB
cjfa-30371	107	8	of	of	ADP
cjfa-30371	107	9	the	the	DET
cjfa-30371	107	10	society	society	NOUN
cjfa-30371	107	11	,	,	PUNCT
cjfa-30371	107	12	which	which	PRON
cjfa-30371	107	13	influences	influence	VERB
cjfa-30371	107	14	the	the	DET
cjfa-30371	107	15	growth	growth	NOUN
cjfa-30371	107	16	of	of	ADP
cjfa-30371	107	17	commercial	commercial	ADJ
cjfa-30371	107	18	banks	bank	NOUN
cjfa-30371	107	19	profitability	profitability	NOUN
cjfa-30371	107	20	positively	positively	ADV
cjfa-30371	107	21	.	.	PUNCT
cjfa-30371	108	1	simiyu	simiyu	VERB
cjfa-30371	108	2	and	and	CCONJ
cjfa-30371	108	3	ngile	ngile	ADJ
cjfa-30371	108	4	(	(	PUNCT
cjfa-30371	108	5	2015	2015	NUM
cjfa-30371	108	6	)	)	PUNCT
cjfa-30371	108	7	in	in	ADP
cjfa-30371	108	8	kenya	kenya	PROPN
cjfa-30371	108	9	found	find	VERB
cjfa-30371	108	10	that	that	SCONJ
cjfa-30371	108	11	from	from	ADP
cjfa-30371	108	12	2001	2001	NUM
cjfa-30371	108	13	to	to	ADP
cjfa-30371	108	14	2012	2012	NUM
cjfa-30371	108	15	real	real	ADJ
cjfa-30371	108	16	gdp	gdp	NOUN
cjfa-30371	108	17	growth	growth	NOUN
cjfa-30371	108	18	rate	rate	NOUN
cjfa-30371	108	19	had	have	VERB
cjfa-30371	108	20	positive	positive	ADJ
cjfa-30371	108	21	but	but	CCONJ
cjfa-30371	108	22	insignificant	insignificant	ADJ
cjfa-30371	108	23	effect	effect	NOUN
cjfa-30371	108	24	on	on	ADP
cjfa-30371	108	25	the	the	DET
cjfa-30371	108	26	roa	roa	NOUN
cjfa-30371	108	27	of	of	ADP
cjfa-30371	108	28	banks	bank	NOUN
cjfa-30371	108	29	.	.	PUNCT
cjfa-30371	109	1	tan	tan	PROPN
cjfa-30371	109	2	and	and	CCONJ
cjfa-30371	109	3	floros	floros	PROPN
cjfa-30371	109	4	(	(	PUNCT
cjfa-30371	109	5	2012	2012	NUM
cjfa-30371	109	6	)	)	PUNCT
cjfa-30371	109	7	found	find	VERB
cjfa-30371	109	8	a	a	DET
cjfa-30371	109	9	negative	negative	ADJ
cjfa-30371	109	10	relationship	relationship	NOUN
cjfa-30371	109	11	between	between	ADP
cjfa-30371	109	12	gdp	gdp	NOUN
cjfa-30371	109	13	growth	growth	NOUN
cjfa-30371	109	14	and	and	CCONJ
cjfa-30371	109	15	bank	bank	NOUN
cjfa-30371	109	16	’s	’s	PART
cjfa-30371	109	17	profitability	profitability	NOUN
cjfa-30371	109	18	in	in	ADP
cjfa-30371	109	19	china	china	PROPN
cjfa-30371	109	20	over	over	ADP
cjfa-30371	109	21	the	the	DET
cjfa-30371	109	22	period	period	NOUN
cjfa-30371	109	23	from	from	ADP
cjfa-30371	109	24	2003	2003	NUM
cjfa-30371	109	25	to	to	ADP
cjfa-30371	109	26	2009	2009	NUM
cjfa-30371	109	27	.	.	PUNCT
cjfa-30371	110	1	tesfaye	tesfaye	PROPN
cjfa-30371	110	2	(	(	PUNCT
cjfa-30371	110	3	2014	2014	NUM
cjfa-30371	110	4	)	)	PUNCT
cjfa-30371	110	5	founds	found	VERB
cjfa-30371	110	6	that	that	SCONJ
cjfa-30371	110	7	the	the	DET
cjfa-30371	110	8	real	real	ADJ
cjfa-30371	110	9	gdp	gdp	NOUN
cjfa-30371	110	10	growth	growth	NOUN
cjfa-30371	110	11	rate	rate	NOUN
cjfa-30371	110	12	which	which	PRON
cjfa-30371	110	13	measures	measure	VERB
cjfa-30371	110	14	the	the	DET
cjfa-30371	110	15	economic	economic	ADJ
cjfa-30371	110	16	growth	growth	NOUN
cjfa-30371	110	17	of	of	ADP
cjfa-30371	110	18	ethiopia	ethiopia	PROPN
cjfa-30371	110	19	from	from	ADP
cjfa-30371	110	20	1990	1990	NUM
cjfa-30371	110	21	-	-	SYM
cjfa-30371	110	22	2012	2012	NUM
cjfa-30371	110	23	had	have	VERB
cjfa-30371	110	24	insignificant	insignificant	ADJ
cjfa-30371	110	25	impact	impact	NOUN
cjfa-30371	110	26	on	on	ADP
cjfa-30371	110	27	performances	performance	NOUN
cjfa-30371	110	28	of	of	ADP
cjfa-30371	110	29	commercial	commercial	ADJ
cjfa-30371	110	30	banks	bank	NOUN
cjfa-30371	110	31	.	.	PUNCT
cjfa-30371	111	1	return	return	VERB
cjfa-30371	111	2	on	on	ADP
cjfa-30371	111	3	assets	asset	NOUN
cjfa-30371	111	4	return	return	VERB
cjfa-30371	111	5	on	on	ADP
cjfa-30371	111	6	asset	asset	NOUN
cjfa-30371	111	7	is	be	AUX
cjfa-30371	111	8	the	the	DET
cjfa-30371	111	9	appropriate	appropriate	ADJ
cjfa-30371	111	10	measure	measure	NOUN
cjfa-30371	111	11	for	for	ADP
cjfa-30371	111	12	management	management	NOUN
cjfa-30371	111	13	’s	’s	PART
cjfa-30371	111	14	efficiency	efficiency	NOUN
cjfa-30371	111	15	by	by	ADP
cjfa-30371	111	16	indicating	indicate	VERB
cjfa-30371	111	17	its	its	PRON
cjfa-30371	111	18	ability	ability	NOUN
cjfa-30371	111	19	to	to	PART
cjfa-30371	111	20	utilize	utilize	VERB
cjfa-30371	111	21	the	the	DET
cjfa-30371	111	22	company	company	NOUN
cjfa-30371	111	23	’s	’s	PART
cjfa-30371	111	24	asset	asset	NOUN
cjfa-30371	111	25	in	in	ADP
cjfa-30371	111	26	generating	generate	VERB
cjfa-30371	111	27	returns	return	NOUN
cjfa-30371	111	28	.	.	PUNCT
cjfa-30371	112	1	return	return	NOUN
cjfa-30371	112	2	on	on	ADP
cjfa-30371	112	3	assets	asset	NOUN
cjfa-30371	112	4	is	be	AUX
cjfa-30371	112	5	the	the	DET
cjfa-30371	112	6	net	net	ADJ
cjfa-30371	112	7	profit	profit	NOUN
cjfa-30371	112	8	after	after	ADP
cjfa-30371	112	9	tax	tax	NOUN
cjfa-30371	112	10	divided	divide	VERB
cjfa-30371	112	11	by	by	ADP
cjfa-30371	112	12	total	total	ADJ
cjfa-30371	112	13	assets	asset	NOUN
cjfa-30371	112	14	,	,	PUNCT
cjfa-30371	112	15	and	and	CCONJ
cjfa-30371	112	16	it	it	PRON
cjfa-30371	112	17	indicates	indicate	VERB
cjfa-30371	112	18	the	the	DET
cjfa-30371	112	19	returns	return	NOUN
cjfa-30371	112	20	generated	generate	VERB
cjfa-30371	112	21	from	from	ADP
cjfa-30371	112	22	the	the	DET
cjfa-30371	112	23	assets	asset	NOUN
cjfa-30371	112	24	financed	finance	VERB
cjfa-30371	112	25	by	by	ADP
cjfa-30371	112	26	the	the	DET
cjfa-30371	112	27	bank	bank	NOUN
cjfa-30371	112	28	.	.	PUNCT
cjfa-30371	113	1	this	this	PRON
cjfa-30371	113	2	is	be	AUX
cjfa-30371	113	3	probably	probably	ADV
cjfa-30371	113	4	the	the	DET
cjfa-30371	113	5	most	most	ADV
cjfa-30371	113	6	important	important	ADJ
cjfa-30371	113	7	single	single	ADJ
cjfa-30371	113	8	ratio	ratio	NOUN
cjfa-30371	113	9	in	in	ADP
cjfa-30371	113	10	comparing	compare	VERB
cjfa-30371	113	11	the	the	DET
cjfa-30371	113	12	efficiency	efficiency	NOUN
cjfa-30371	113	13	and	and	CCONJ
cjfa-30371	113	14	operating	operating	NOUN
cjfa-30371	113	15	performance	performance	NOUN
cjfa-30371	113	16	of	of	ADP
cjfa-30371	113	17	banks	bank	NOUN
cjfa-30371	113	18	as	as	SCONJ
cjfa-30371	113	19	it	it	PRON
cjfa-30371	113	20	indicates	indicate	VERB
cjfa-30371	113	21	the	the	DET
cjfa-30371	113	22	returns	return	NOUN
cjfa-30371	113	23	generated	generate	VERB
cjfa-30371	113	24	from	from	ADP
cjfa-30371	113	25	the	the	DET
cjfa-30371	113	26	assets	asset	NOUN
cjfa-30371	113	27	that	that	PRON
cjfa-30371	113	28	bank	bank	NOUN
cjfa-30371	113	29	owns	own	VERB
cjfa-30371	113	30	.	.	PUNCT
cjfa-30371	114	1	the	the	DET
cjfa-30371	114	2	roa	roa	NOUN
cjfa-30371	114	3	formula	formula	NOUN
cjfa-30371	114	4	is	be	AUX
cjfa-30371	114	5	as	as	SCONJ
cjfa-30371	114	6	follows	follow	VERB
cjfa-30371	114	7	:	:	PUNCT
cjfa-30371	114	8	roa	roa	PROPN
cjfa-30371	114	9	=	=	PROPN
cjfa-30371	114	10	net	net	ADJ
cjfa-30371	114	11	income	income	NOUN
cjfa-30371	114	12	/	/	SYM
cjfa-30371	114	13	average	average	ADJ
cjfa-30371	114	14	total	total	ADJ
cjfa-30371	114	15	assets	asset	NOUN
cjfa-30371	114	16	ownership	ownership	NOUN
cjfa-30371	114	17	a	a	DET
cjfa-30371	114	18	study	study	NOUN
cjfa-30371	114	19	by	by	ADP
cjfa-30371	114	20	abebaw	abebaw	PROPN
cjfa-30371	114	21	and	and	CCONJ
cjfa-30371	114	22	kapur	kapur	PROPN
cjfa-30371	114	23	(	(	PUNCT
cjfa-30371	114	24	2011	2011	NUM
cjfa-30371	114	25	)	)	PUNCT
cjfa-30371	114	26	on	on	ADP
cjfa-30371	114	27	the	the	DET
cjfa-30371	114	28	financial	financial	ADJ
cjfa-30371	114	29	performance	performance	NOUN
cjfa-30371	114	30	and	and	CCONJ
cjfa-30371	114	31	ownership	ownership	NOUN
cjfa-30371	114	32	structure	structure	NOUN
cjfa-30371	114	33	of	of	ADP
cjfa-30371	114	34	ethiopian	ethiopian	ADJ
cjfa-30371	114	35	commercial	commercial	ADJ
cjfa-30371	114	36	banks	bank	NOUN
cjfa-30371	114	37	found	find	VERB
cjfa-30371	114	38	that	that	SCONJ
cjfa-30371	114	39	private	private	ADJ
cjfa-30371	114	40	banks	bank	NOUN
cjfa-30371	114	41	had	have	VERB
cjfa-30371	114	42	better	well	ADJ
cjfa-30371	114	43	profitability	profitability	NOUN
cjfa-30371	114	44	,	,	PUNCT
cjfa-30371	114	45	asset	asset	NOUN
cjfa-30371	114	46	quality	quality	NOUN
cjfa-30371	114	47	and	and	CCONJ
cjfa-30371	114	48	capital	capital	NOUN
cjfa-30371	114	49	adequacy	adequacy	NOUN
cjfa-30371	114	50	performance	performance	NOUN
cjfa-30371	114	51	and	and	CCONJ
cjfa-30371	114	52	public	public	ADJ
cjfa-30371	114	53	sector	sector	NOUN
cjfa-30371	114	54	banks	bank	NOUN
cjfa-30371	114	55	were	be	AUX
cjfa-30371	114	56	better	well	ADJ
cjfa-30371	114	57	in	in	ADP
cjfa-30371	114	58	cost	cost	NOUN
cjfa-30371	114	59	management	management	NOUN
cjfa-30371	114	60	measures	measure	NOUN
cjfa-30371	114	61	.	.	PUNCT
cjfa-30371	115	1	similarly	similarly	ADV
cjfa-30371	115	2	yidersal	yidersal	ADJ
cjfa-30371	115	3	and	and	CCONJ
cjfa-30371	115	4	wang	wang	PROPN
cjfa-30371	115	5	(	(	PUNCT
cjfa-30371	115	6	2017	2017	NUM
cjfa-30371	115	7	)	)	PUNCT
cjfa-30371	115	8	concluded	conclude	VERB
cjfa-30371	115	9	that	that	SCONJ
cjfa-30371	115	10	there	there	PRON
cjfa-30371	115	11	was	be	VERB
cjfa-30371	115	12	a	a	DET
cjfa-30371	115	13	significant	significant	ADJ
cjfa-30371	115	14	impact	impact	NOUN
cjfa-30371	115	15	of	of	ADP
cjfa-30371	115	16	ownership	ownership	NOUN
cjfa-30371	115	17	structure	structure	NOUN
cjfa-30371	115	18	on	on	ADP
cjfa-30371	115	19	the	the	DET
cjfa-30371	115	20	profitability	profitability	NOUN
cjfa-30371	115	21	of	of	ADP
cjfa-30371	115	22	commercial	commercial	ADJ
cjfa-30371	115	23	banks	bank	NOUN
cjfa-30371	115	24	measured	measure	VERB
cjfa-30371	115	25	by	by	ADP
cjfa-30371	115	26	roe	roe	PROPN
cjfa-30371	115	27	.	.	PUNCT
cjfa-30371	116	1	muktar	muktar	PROPN
cjfa-30371	116	2	abdela	abdela	PROPN
cjfa-30371	116	3	shifa	shifa	PROPN
cjfa-30371	116	4	,	,	PUNCT
cjfa-30371	116	5	kenenisa	kenenisa	NOUN
cjfa-30371	116	6	lemmi	lemmi	PROPN
cjfa-30371	116	7	debela	debela	PROPN
cjfa-30371	116	8	,	,	PUNCT
cjfa-30371	116	9	endalew	endalew	NOUN
cjfa-30371	116	10	gutu	gutu	PROPN
cjfa-30371	116	11	tarfa194	tarfa194	PROPN
cjfa-30371	116	12	table	table	NOUN
cjfa-30371	116	13	1	1	NUM
cjfa-30371	116	14	.	.	PUNCT
cjfa-30371	117	1	summary	summary	NOUN
cjfa-30371	117	2	of	of	ADP
cjfa-30371	117	3	variables	variable	NOUN
cjfa-30371	117	4	and	and	CCONJ
cjfa-30371	117	5	their	their	PRON
cjfa-30371	117	6	measurement	measurement	NOUN
cjfa-30371	117	7	variables	variable	NOUN
cjfa-30371	117	8	notation	notation	NOUN
cjfa-30371	117	9	proxy	proxy	NOUN
cjfa-30371	117	10	dependent	dependent	ADJ
cjfa-30371	117	11	return	return	NOUN
cjfa-30371	117	12	on	on	ADP
cjfa-30371	117	13	asset	asset	NOUN
cjfa-30371	117	14	roa	roa	PROPN
cjfa-30371	117	15	net	net	ADJ
cjfa-30371	117	16	income	income	NOUN
cjfa-30371	117	17	/	/	SYM
cjfa-30371	117	18	total	total	ADJ
cjfa-30371	117	19	asset	asset	NOUN
cjfa-30371	117	20	independent	independent	ADJ
cjfa-30371	117	21	variables	variable	NOUN
cjfa-30371	117	22	business	business	NOUN
cjfa-30371	117	23	mix	mix	NOUN
cjfa-30371	117	24	bmix	bmix	VERB
cjfa-30371	117	25	commission	commission	PROPN
cjfa-30371	117	26	&	&	CCONJ
cjfa-30371	117	27	service	service	PROPN
cjfa-30371	117	28	charge	charge	NOUN
cjfa-30371	117	29	/	/	SYM
cjfa-30371	117	30	total	total	ADJ
cjfa-30371	117	31	operating	operate	VERB
cjfa-30371	117	32	income	income	NOUN
cjfa-30371	117	33	liquidity	liquidity	NOUN
cjfa-30371	117	34	risk	risk	NOUN
cjfa-30371	117	35	loandep	loandep	ADV
cjfa-30371	117	36	total	total	ADJ
cjfa-30371	117	37	loan	loan	NOUN
cjfa-30371	117	38	/	/	SYM
cjfa-30371	117	39	total	total	NOUN
cjfa-30371	117	40	deposit	deposit	NOUN
cjfa-30371	117	41	capital	capital	NOUN
cjfa-30371	117	42	adequacy	adequacy	NOUN
cjfa-30371	117	43	or	or	CCONJ
cjfa-30371	117	44	risk	risk	NOUN
cjfa-30371	117	45	aversion	aversion	NOUN
cjfa-30371	117	46	capta	capta	PROPN
cjfa-30371	117	47	equity	equity	PROPN
cjfa-30371	117	48	/	/	SYM
cjfa-30371	117	49	total	total	NOUN
cjfa-30371	117	50	asset	asset	NOUN
cjfa-30371	117	51	bank	bank	NOUN
cjfa-30371	117	52	size(asset	size(asset	PROPN
cjfa-30371	117	53	)	)	PUNCT
cjfa-30371	117	54	bs	bs	PROPN
cjfa-30371	117	55	log	log	VERB
cjfa-30371	117	56	total	total	ADJ
cjfa-30371	117	57	asset	asset	NOUN
cjfa-30371	117	58	management	management	NOUN
cjfa-30371	117	59	efficiency	efficiency	NOUN
cjfa-30371	117	60	gnexopin	gnexopin	NOUN
cjfa-30371	117	61	generalexp	generalexp	NOUN
cjfa-30371	117	62	/	/	SYM
cjfa-30371	117	63	operating	operate	VERB
cjfa-30371	117	64	income	income	NOUN
cjfa-30371	117	65	bank	bank	NOUN
cjfa-30371	117	66	concentration	concentration	NOUN
cjfa-30371	117	67	(	(	PUNCT
cjfa-30371	117	68	hhi_ta	hhi_ta	NOUN
cjfa-30371	117	69	)	)	PUNCT
cjfa-30371	117	70	sum	sum	NOUN
cjfa-30371	117	71	of	of	ADP
cjfa-30371	117	72	the	the	DET
cjfa-30371	117	73	square	square	NOUN
cjfa-30371	117	74	of	of	ADP
cjfa-30371	117	75	market	market	NOUN
cjfa-30371	117	76	share	share	NOUN
cjfa-30371	117	77	(	(	PUNCT
cjfa-30371	117	78	herfindhal	herfindhal	ADJ
cjfa-30371	117	79	-	-	PUNCT
cjfa-30371	117	80	hirschman	hirschman	NOUN
cjfa-30371	117	81	index	index	NOUN
cjfa-30371	117	82	)	)	PUNCT
cjfa-30371	117	83	economic	economic	ADJ
cjfa-30371	117	84	growth	growth	NOUN
cjfa-30371	117	85	gdp	gdp	NOUN
cjfa-30371	118	1	%	%	INTJ
cjfa-30371	118	2	ge	ge	PROPN
cjfa-30371	118	3	of	of	ADP
cjfa-30371	118	4	real	real	ADJ
cjfa-30371	118	5	gdr	gdr	ADJ
cjfa-30371	118	6	growth	growth	NOUN
cjfa-30371	118	7	ownership	ownership	NOUN
cjfa-30371	118	8	own	own	ADJ
cjfa-30371	118	9	0	0	NUM
cjfa-30371	119	1	=	=	ADJ
cjfa-30371	119	2	private	private	ADJ
cjfa-30371	119	3	1	1	NUM
cjfa-30371	119	4	=	=	NOUN
cjfa-30371	119	5	government	government	NOUN
cjfa-30371	119	6	s	s	PART
cjfa-30371	119	7	o	o	NOUN
cjfa-30371	119	8	u	u	NOUN
cjfa-30371	119	9	r	r	NOUN
cjfa-30371	119	10	c	c	NOUN
cjfa-30371	119	11	e	e	NOUN
cjfa-30371	119	12	:	:	PUNCT
cjfa-30371	119	13	own	own	ADJ
cjfa-30371	119	14	competition	competition	NOUN
cjfa-30371	119	15	,	,	PUNCT
cjfa-30371	119	16	2018	2018	NUM
cjfa-30371	119	17	.	.	PUNCT
cjfa-30371	120	1	results	result	NOUN
cjfa-30371	120	2	and	and	CCONJ
cjfa-30371	120	3	conclusions	conclusion	NOUN
cjfa-30371	120	4	in	in	ADP
cjfa-30371	120	5	this	this	DET
cjfa-30371	120	6	sub	sub	NOUN
cjfa-30371	120	7	section	section	NOUN
cjfa-30371	120	8	a	a	DET
cjfa-30371	120	9	general	general	ADJ
cjfa-30371	120	10	overview	overview	NOUN
cjfa-30371	120	11	of	of	ADP
cjfa-30371	120	12	the	the	DET
cjfa-30371	120	13	data	datum	NOUN
cjfa-30371	120	14	used	use	VERB
cjfa-30371	120	15	for	for	ADP
cjfa-30371	120	16	the	the	DET
cjfa-30371	120	17	analysis	analysis	NOUN
cjfa-30371	120	18	is	be	AUX
cjfa-30371	120	19	presented	present	VERB
cjfa-30371	120	20	.	.	PUNCT
cjfa-30371	121	1	each	each	DET
cjfa-30371	121	2	variable	variable	NOUN
cjfa-30371	121	3	consists	consist	VERB
cjfa-30371	121	4	of	of	ADP
cjfa-30371	121	5	ninety	ninety	NUM
cjfa-30371	121	6	observations	observation	NOUN
cjfa-30371	121	7	,	,	PUNCT
cjfa-30371	121	8	i.e.	i.e.	X
cjfa-30371	121	9	a	a	DET
cjfa-30371	121	10	panel	panel	NOUN
cjfa-30371	121	11	with	with	ADP
cjfa-30371	121	12	ten	ten	NUM
cjfa-30371	121	13	years	year	NOUN
cjfa-30371	121	14	and	and	CCONJ
cjfa-30371	121	15	nine	nine	NUM
cjfa-30371	121	16	cross	cross	NOUN
cjfa-30371	121	17	sections	section	NOUN
cjfa-30371	121	18	(	(	PUNCT
cjfa-30371	121	19	bank	bank	NOUN
cjfa-30371	121	20	)	)	PUNCT
cjfa-30371	121	21	.	.	PUNCT
cjfa-30371	122	1	the	the	DET
cjfa-30371	122	2	mean	mean	ADJ
cjfa-30371	122	3	,	,	PUNCT
cjfa-30371	122	4	median	median	ADJ
cjfa-30371	122	5	,	,	PUNCT
cjfa-30371	122	6	standard	standard	ADJ
cjfa-30371	122	7	deviation	deviation	NOUN
cjfa-30371	122	8	,	,	PUNCT
cjfa-30371	122	9	maximum	maximum	ADJ
cjfa-30371	122	10	and	and	CCONJ
cjfa-30371	122	11	minimum	minimum	ADJ
cjfa-30371	122	12	values	value	NOUN
cjfa-30371	122	13	of	of	ADP
cjfa-30371	122	14	each	each	DET
cjfa-30371	122	15	variable	variable	NOUN
cjfa-30371	122	16	were	be	AUX
cjfa-30371	122	17	tabulated	tabulate	VERB
cjfa-30371	122	18	as	as	SCONJ
cjfa-30371	122	19	follows	follow	VERB
cjfa-30371	122	20	.	.	PUNCT
cjfa-30371	123	1	table	table	NOUN
cjfa-30371	123	2	2	2	NUM
cjfa-30371	123	3	.	.	PUNCT
cjfa-30371	124	1	summery	summery	ADJ
cjfa-30371	124	2	statistics	statistic	NOUN
cjfa-30371	124	3	mean	mean	VERB
cjfa-30371	124	4	median	median	ADJ
cjfa-30371	124	5	maximum	maximum	ADJ
cjfa-30371	124	6	minimum	minimum	ADJ
cjfa-30371	124	7	std	std	NOUN
cjfa-30371	124	8	.	.	PUNCT
cjfa-30371	125	1	dev	dev	PROPN
cjfa-30371	125	2	.	.	PUNCT
cjfa-30371	126	1	observations	observation	NOUN
cjfa-30371	126	2	roa	roa	VERB
cjfa-30371	126	3	0.029182	0.029182	NUM
cjfa-30371	126	4	0.032200	0.032200	NUM
cjfa-30371	126	5	0.049400	0.049400	NUM
cjfa-30371	126	6	-0.0376	-0.0376	NOUN
cjfa-30371	127	1	0.011998	0.011998	NUM
cjfa-30371	127	2	90	90	NUM
cjfa-30371	127	3	own	own	ADJ
cjfa-30371	127	4	0.111111	0.111111	NUM
cjfa-30371	127	5	0.000000	0.000000	NUM
cjfa-30371	127	6	1.000000	1.000000	NUM
cjfa-30371	127	7	0.000000	0.000000	NUM
cjfa-30371	127	8	0.316030	0.316030	NUM
cjfa-30371	127	9	90	90	NUM
cjfa-30371	127	10	gexopin	gexopin	NOUN
cjfa-30371	127	11	0.677786	0.677786	NUM
cjfa-30371	127	12	0.366672	0.366672	NUM
cjfa-30371	127	13	16.65205	16.65205	NUM
cjfa-30371	127	14	-16.36671	-16.36671	SYM
cjfa-30371	127	15	2.790958	2.790958	NUM
cjfa-30371	127	16	90	90	NUM
cjfa-30371	127	17	loandep	loandep	ADV
cjfa-30371	127	18	0.610032	0.610032	NUM
cjfa-30371	127	19	0.591408	0.591408	NUM
cjfa-30371	127	20	0.967004	0.967004	NUM
cjfa-30371	127	21	0.296870	0.296870	NUM
cjfa-30371	127	22	0.121911	0.121911	NUM
cjfa-30371	127	23	90	90	NUM
cjfa-30371	127	24	hhi_ta	hhi_ta	NOUN
cjfa-30371	127	25	0.434219	0.434219	NUM
cjfa-30371	127	26	0.449075	0.449075	NUM
cjfa-30371	127	27	0.459838	0.459838	NUM
cjfa-30371	127	28	0.378287	0.378287	NUM
cjfa-30371	127	29	0.028413	0.028413	NUM
cjfa-30371	127	30	90	90	NUM
cjfa-30371	127	31	gdp	gdp	NOUN
cjfa-30371	127	32	10.22820	10.22820	NUM
cjfa-30371	127	33	10.35250	10.35250	NUM
cjfa-30371	127	34	11.79500	11.79500	NUM
cjfa-30371	127	35	7.958000	7.958000	NUM
cjfa-30371	127	36	1.123022	1.123022	NUM
cjfa-30371	127	37	90	90	NUM
cjfa-30371	127	38	determinants	determinant	NOUN
cjfa-30371	127	39	of	of	ADP
cjfa-30371	127	40	the	the	DET
cjfa-30371	127	41	profitability	profitability	NOUN
cjfa-30371	127	42	of	of	ADP
cjfa-30371	127	43	commercial	commercial	ADJ
cjfa-30371	127	44	banks	bank	NOUN
cjfa-30371	127	45	in	in	ADP
cjfa-30371	127	46	ethiopia	ethiopia	PROPN
cjfa-30371	127	47	195	195	NUM
cjfa-30371	127	48	mean	mean	NOUN
cjfa-30371	127	49	median	median	ADJ
cjfa-30371	127	50	maximum	maximum	ADJ
cjfa-30371	127	51	minimum	minimum	ADJ
cjfa-30371	127	52	std	std	NOUN
cjfa-30371	127	53	.	.	PUNCT
cjfa-30371	127	54	dev	dev	PROPN
cjfa-30371	127	55	.	.	PUNCT
cjfa-30371	128	1	observations	observation	NOUN
cjfa-30371	128	2	capta	capta	VERB
cjfa-30371	128	3	0.136860	0.136860	NUM
cjfa-30371	128	4	0.125736	0.125736	NUM
cjfa-30371	128	5	0.507519	0.507519	NUM
cjfa-30371	128	6	0.044576	0.044576	NUM
cjfa-30371	128	7	0.060806	0.060806	NUM
cjfa-30371	128	8	90	90	NUM
cjfa-30371	128	9	bs	bs	PROPN
cjfa-30371	128	10	9.067999	9.067999	NUM
cjfa-30371	128	11	9.018887	9.018887	NUM
cjfa-30371	128	12	12.39009	12.39009	NUM
cjfa-30371	128	13	5.583496	5.583496	NUM
cjfa-30371	128	14	1.298482	1.298482	NUM
cjfa-30371	128	15	90	90	NUM
cjfa-30371	128	16	bmix	bmix	VERB
cjfa-30371	128	17	0.184467	0.184467	NUM
cjfa-30371	128	18	0.181074	0.181074	NUM
cjfa-30371	128	19	0.444737	0.444737	NUM
cjfa-30371	129	1	0.000000	0.000000	NUM
cjfa-30371	129	2	0.080835	0.080835	NUM
cjfa-30371	129	3	90	90	NUM
cjfa-30371	129	4	s	s	NOUN
cjfa-30371	129	5	o	o	NOUN
cjfa-30371	129	6	u	u	NOUN
cjfa-30371	129	7	r	r	NOUN
cjfa-30371	129	8	c	c	NOUN
cjfa-30371	129	9	e	e	NOUN
cjfa-30371	129	10	:	:	PUNCT
cjfa-30371	129	11	own	own	ADJ
cjfa-30371	129	12	competition	competition	NOUN
cjfa-30371	129	13	,	,	PUNCT
cjfa-30371	129	14	2018	2018	NUM
cjfa-30371	129	15	.	.	PUNCT
cjfa-30371	130	1	the	the	DET
cjfa-30371	130	2	mean	mean	NOUN
cjfa-30371	130	3	for	for	ADP
cjfa-30371	130	4	the	the	DET
cjfa-30371	130	5	return	return	NOUN
cjfa-30371	130	6	on	on	ADP
cjfa-30371	130	7	asset	asset	NOUN
cjfa-30371	130	8	indicates	indicate	VERB
cjfa-30371	130	9	2.92	2.92	NUM
cjfa-30371	130	10	percent	percent	NOUN
cjfa-30371	130	11	.	.	PUNCT
cjfa-30371	131	1	that	that	PRON
cjfa-30371	131	2	is	be	AUX
cjfa-30371	131	3	in	in	ADP
cjfa-30371	131	4	the	the	DET
cjfa-30371	131	5	past	past	ADJ
cjfa-30371	131	6	10	10	NUM
cjfa-30371	131	7	years	year	NOUN
cjfa-30371	131	8	from	from	ADP
cjfa-30371	131	9	2007	2007	NUM
cjfa-30371	131	10	to	to	ADP
cjfa-30371	131	11	2016	2016	NUM
cjfa-30371	131	12	commercial	commercial	ADJ
cjfa-30371	131	13	banks	bank	NOUN
cjfa-30371	131	14	in	in	ADP
cjfa-30371	131	15	ethiopia	ethiopia	PROPN
cjfa-30371	131	16	were	be	AUX
cjfa-30371	131	17	making	make	VERB
cjfa-30371	131	18	a	a	DET
cjfa-30371	131	19	profit	profit	NOUN
cjfa-30371	131	20	of	of	ADP
cjfa-30371	131	21	0.0292	0.0292	NUM
cjfa-30371	131	22	cents	cent	NOUN
cjfa-30371	131	23	on	on	ADP
cjfa-30371	131	24	average	average	ADJ
cjfa-30371	131	25	per	per	ADP
cjfa-30371	131	26	unit	unit	NOUN
cjfa-30371	131	27	birr	birr	NOUN
cjfa-30371	131	28	investment	investment	NOUN
cjfa-30371	131	29	on	on	ADP
cjfa-30371	131	30	asset	asset	NOUN
cjfa-30371	131	31	.	.	PUNCT
cjfa-30371	132	1	the	the	DET
cjfa-30371	132	2	maximum	maximum	PROPN
cjfa-30371	132	3	roa	roa	NOUN
cjfa-30371	132	4	between	between	ADP
cjfa-30371	132	5	these	these	DET
cjfa-30371	132	6	years	year	NOUN
cjfa-30371	132	7	was	be	AUX
cjfa-30371	132	8	4.94	4.94	NUM
cjfa-30371	132	9	percent	percent	NOUN
cjfa-30371	132	10	and	and	CCONJ
cjfa-30371	132	11	the	the	DET
cjfa-30371	132	12	minimum	minimum	NOUN
cjfa-30371	132	13	is	be	AUX
cjfa-30371	132	14	a	a	DET
cjfa-30371	132	15	loss	loss	NOUN
cjfa-30371	132	16	of	of	ADP
cjfa-30371	132	17	0.0376	0.0376	NUM
cjfa-30371	132	18	cents	cent	NOUN
cjfa-30371	132	19	per	per	ADP
cjfa-30371	132	20	each	each	DET
cjfa-30371	132	21	birr	birr	NOUN
cjfa-30371	132	22	.	.	PUNCT
cjfa-30371	133	1	the	the	DET
cjfa-30371	133	2	loss	loss	NOUN
cjfa-30371	133	3	in	in	ADP
cjfa-30371	133	4	roa	roa	PROPN
cjfa-30371	133	5	is	be	AUX
cjfa-30371	133	6	due	due	ADJ
cjfa-30371	133	7	to	to	ADP
cjfa-30371	133	8	the	the	DET
cjfa-30371	133	9	inclusion	inclusion	NOUN
cjfa-30371	133	10	of	of	ADP
cjfa-30371	133	11	newly	newly	ADV
cjfa-30371	133	12	established	establish	VERB
cjfa-30371	133	13	banks	bank	NOUN
cjfa-30371	133	14	in	in	ADP
cjfa-30371	133	15	the	the	DET
cjfa-30371	133	16	sample	sample	NOUN
cjfa-30371	133	17	,	,	PUNCT
cjfa-30371	133	18	for	for	ADP
cjfa-30371	133	19	which	which	PRON
cjfa-30371	133	20	startup	startup	NOUN
cjfa-30371	133	21	cost	cost	NOUN
cjfa-30371	133	22	for	for	ADP
cjfa-30371	133	23	new	new	ADJ
cjfa-30371	133	24	bank	bank	NOUN
cjfa-30371	133	25	over	over	ADP
cjfa-30371	133	26	weights	weight	NOUN
cjfa-30371	133	27	their	their	PRON
cjfa-30371	133	28	revenues	revenue	NOUN
cjfa-30371	133	29	.	.	PUNCT
cjfa-30371	134	1	the	the	DET
cjfa-30371	134	2	ratio	ratio	NOUN
cjfa-30371	134	3	of	of	ADP
cjfa-30371	134	4	general	general	ADJ
cjfa-30371	134	5	expense	expense	NOUN
cjfa-30371	134	6	and	and	CCONJ
cjfa-30371	134	7	loan	loan	NOUN
cjfa-30371	134	8	loss	loss	NOUN
cjfa-30371	134	9	provision	provision	NOUN
cjfa-30371	134	10	to	to	ADP
cjfa-30371	134	11	operating	operate	VERB
cjfa-30371	134	12	income	income	NOUN
cjfa-30371	134	13	is	be	AUX
cjfa-30371	134	14	considered	consider	VERB
cjfa-30371	134	15	as	as	ADP
cjfa-30371	134	16	a	a	DET
cjfa-30371	134	17	proxy	proxy	NOUN
cjfa-30371	134	18	for	for	ADP
cjfa-30371	134	19	management	management	NOUN
cjfa-30371	134	20	efficiency	efficiency	NOUN
cjfa-30371	134	21	in	in	ADP
cjfa-30371	134	22	controlling	control	VERB
cjfa-30371	134	23	expenses	expense	NOUN
cjfa-30371	134	24	.	.	PUNCT
cjfa-30371	135	1	the	the	DET
cjfa-30371	135	2	mean	mean	ADJ
cjfa-30371	135	3	figure	figure	NOUN
cjfa-30371	135	4	is	be	AUX
cjfa-30371	135	5	0.6778	0.6778	NUM
cjfa-30371	135	6	which	which	PRON
cjfa-30371	135	7	indicates	indicate	VERB
cjfa-30371	135	8	that	that	SCONJ
cjfa-30371	135	9	on	on	ADP
cjfa-30371	135	10	average	average	ADJ
cjfa-30371	135	11	,	,	PUNCT
cjfa-30371	135	12	67.78	67.78	NUM
cjfa-30371	135	13	percent	percent	NOUN
cjfa-30371	135	14	of	of	ADP
cjfa-30371	135	15	the	the	DET
cjfa-30371	135	16	operating	operate	VERB
cjfa-30371	135	17	income	income	NOUN
cjfa-30371	135	18	of	of	ADP
cjfa-30371	135	19	commercial	commercial	ADJ
cjfa-30371	135	20	banks	bank	NOUN
cjfa-30371	135	21	in	in	ADP
cjfa-30371	135	22	ethiopia	ethiopia	PROPN
cjfa-30371	135	23	goes	go	VERB
cjfa-30371	135	24	to	to	ADP
cjfa-30371	135	25	general	general	ADJ
cjfa-30371	135	26	expenses	expense	NOUN
cjfa-30371	135	27	.	.	PUNCT
cjfa-30371	136	1	these	these	DET
cjfa-30371	136	2	expanses	expanse	NOUN
cjfa-30371	136	3	are	be	AUX
cjfa-30371	136	4	non	non	ADJ
cjfa-30371	136	5	-	-	ADJ
cjfa-30371	136	6	interest	interest	ADJ
cjfa-30371	136	7	expenses	expense	NOUN
cjfa-30371	136	8	excluding	exclude	VERB
cjfa-30371	136	9	employee	employee	NOUN
cjfa-30371	136	10	salary	salary	NOUN
cjfa-30371	136	11	and	and	CCONJ
cjfa-30371	136	12	benefits	benefit	NOUN
cjfa-30371	136	13	.	.	PUNCT
cjfa-30371	137	1	the	the	DET
cjfa-30371	137	2	maximum	maximum	ADJ
cjfa-30371	137	3	amount	amount	NOUN
cjfa-30371	137	4	is	be	AUX
cjfa-30371	137	5	16.65	16.65	NUM
cjfa-30371	137	6	and	and	CCONJ
cjfa-30371	137	7	the	the	DET
cjfa-30371	137	8	lowest	low	ADJ
cjfa-30371	137	9	is	be	AUX
cjfa-30371	137	10	-16.367	-16.367	PROPN
cjfa-30371	137	11	,	,	PUNCT
cjfa-30371	137	12	the	the	DET
cjfa-30371	137	13	negative	negative	ADJ
cjfa-30371	137	14	amount	amount	NOUN
cjfa-30371	137	15	is	be	AUX
cjfa-30371	137	16	due	due	ADJ
cjfa-30371	137	17	to	to	ADP
cjfa-30371	137	18	higher	high	ADJ
cjfa-30371	137	19	startup	startup	NOUN
cjfa-30371	137	20	costs	cost	NOUN
cjfa-30371	137	21	faced	face	VERB
cjfa-30371	137	22	by	by	ADP
cjfa-30371	137	23	newly	newly	ADV
cjfa-30371	137	24	established	establish	VERB
cjfa-30371	137	25	banks	bank	NOUN
cjfa-30371	137	26	.	.	PUNCT
cjfa-30371	138	1	for	for	ADP
cjfa-30371	138	2	which	which	PRON
cjfa-30371	138	3	operating	operating	NOUN
cjfa-30371	138	4	expenses	expense	NOUN
cjfa-30371	138	5	are	be	AUX
cjfa-30371	138	6	higher	high	ADJ
cjfa-30371	138	7	and	and	CCONJ
cjfa-30371	138	8	operating	operate	VERB
cjfa-30371	138	9	income	income	NOUN
cjfa-30371	138	10	is	be	AUX
cjfa-30371	138	11	at	at	ADP
cjfa-30371	138	12	negative	negative	ADJ
cjfa-30371	138	13	because	because	SCONJ
cjfa-30371	138	14	of	of	ADP
cjfa-30371	138	15	infancy	infancy	NOUN
cjfa-30371	138	16	stage	stage	NOUN
cjfa-30371	138	17	of	of	ADP
cjfa-30371	138	18	the	the	DET
cjfa-30371	138	19	business	business	NOUN
cjfa-30371	138	20	.	.	PUNCT
cjfa-30371	139	1	the	the	DET
cjfa-30371	139	2	variability	variability	NOUN
cjfa-30371	139	3	in	in	ADP
cjfa-30371	139	4	operating	operate	VERB
cjfa-30371	139	5	expanse	expanse	NOUN
cjfa-30371	139	6	between	between	ADP
cjfa-30371	139	7	the	the	DET
cjfa-30371	139	8	banks	bank	NOUN
cjfa-30371	139	9	is	be	AUX
cjfa-30371	139	10	2.79	2.79	NUM
cjfa-30371	139	11	.	.	PUNCT
cjfa-30371	140	1	ownership	ownership	NOUN
cjfa-30371	140	2	has	have	AUX
cjfa-30371	140	3	coded	code	VERB
cjfa-30371	140	4	1	1	NUM
cjfa-30371	140	5	and	and	CCONJ
cjfa-30371	140	6	0	0	NUM
cjfa-30371	140	7	for	for	ADP
cjfa-30371	140	8	the	the	DET
cjfa-30371	140	9	government	government	NOUN
cjfa-30371	140	10	and	and	CCONJ
cjfa-30371	140	11	private	private	ADJ
cjfa-30371	140	12	banks	bank	NOUN
cjfa-30371	140	13	respectively	respectively	ADV
cjfa-30371	140	14	.	.	PUNCT
cjfa-30371	141	1	therefore	therefore	ADV
cjfa-30371	141	2	the	the	DET
cjfa-30371	141	3	mean	mean	ADJ
cjfa-30371	141	4	value	value	NOUN
cjfa-30371	141	5	is	be	AUX
cjfa-30371	141	6	11.11	11.11	NUM
cjfa-30371	141	7	percent	percent	NOUN
cjfa-30371	141	8	,	,	PUNCT
cjfa-30371	141	9	which	which	PRON
cjfa-30371	141	10	means	mean	VERB
cjfa-30371	141	11	among	among	ADP
cjfa-30371	141	12	the	the	DET
cjfa-30371	141	13	sampled	sampled	ADJ
cjfa-30371	141	14	nine	nine	NUM
cjfa-30371	141	15	banks	bank	NOUN
cjfa-30371	141	16	11.11	11.11	NUM
cjfa-30371	141	17	percent	percent	NOUN
cjfa-30371	141	18	is	be	AUX
cjfa-30371	141	19	government	government	NOUN
cjfa-30371	141	20	owned	own	VERB
cjfa-30371	141	21	,	,	PUNCT
cjfa-30371	141	22	and	and	CCONJ
cjfa-30371	141	23	the	the	DET
cjfa-30371	141	24	rest	rest	NOUN
cjfa-30371	141	25	88.8	88.8	NUM
cjfa-30371	141	26	percent	percent	NOUN
cjfa-30371	141	27	are	be	AUX
cjfa-30371	141	28	private	private	ADJ
cjfa-30371	141	29	banks	bank	NOUN
cjfa-30371	141	30	.	.	PUNCT
cjfa-30371	142	1	here	here	ADV
cjfa-30371	142	2	even	even	ADV
cjfa-30371	142	3	if	if	SCONJ
cjfa-30371	142	4	it	it	PRON
cjfa-30371	142	5	is	be	AUX
cjfa-30371	142	6	only	only	ADV
cjfa-30371	142	7	one	one	NUM
cjfa-30371	142	8	government	government	NOUN
cjfa-30371	142	9	owned	own	VERB
cjfa-30371	142	10	bank	bank	NOUN
cjfa-30371	142	11	it	it	PRON
cjfa-30371	142	12	is	be	AUX
cjfa-30371	142	13	giant	giant	ADJ
cjfa-30371	142	14	and	and	CCONJ
cjfa-30371	142	15	dominant	dominant	ADJ
cjfa-30371	142	16	one	one	NUM
cjfa-30371	142	17	in	in	ADP
cjfa-30371	142	18	the	the	DET
cjfa-30371	142	19	country	country	NOUN
cjfa-30371	142	20	.	.	PUNCT
cjfa-30371	143	1	capital	capital	NOUN
cjfa-30371	143	2	to	to	PART
cjfa-30371	143	3	total	total	VERB
cjfa-30371	143	4	asset	asset	NOUN
cjfa-30371	143	5	ratio	ratio	NOUN
cjfa-30371	143	6	is	be	AUX
cjfa-30371	143	7	a	a	DET
cjfa-30371	143	8	proxy	proxy	NOUN
cjfa-30371	143	9	used	use	VERB
cjfa-30371	143	10	to	to	PART
cjfa-30371	143	11	measure	measure	VERB
cjfa-30371	143	12	the	the	DET
cjfa-30371	143	13	risk	risk	NOUN
cjfa-30371	143	14	aversion	aversion	NOUN
cjfa-30371	143	15	index	index	NOUN
cjfa-30371	143	16	of	of	ADP
cjfa-30371	143	17	the	the	DET
cjfa-30371	143	18	banks	bank	NOUN
cjfa-30371	143	19	.	.	PUNCT
cjfa-30371	144	1	on	on	ADP
cjfa-30371	144	2	average	average	ADJ
cjfa-30371	144	3	13.68	13.68	NUM
cjfa-30371	144	4	percent	percent	NOUN
cjfa-30371	144	5	of	of	ADP
cjfa-30371	144	6	the	the	DET
cjfa-30371	144	7	bank	bank	NOUN
cjfa-30371	144	8	’s	’s	PART
cjfa-30371	144	9	asset	asset	NOUN
cjfa-30371	144	10	is	be	AUX
cjfa-30371	144	11	financed	finance	VERB
cjfa-30371	144	12	by	by	ADP
cjfa-30371	144	13	share	share	NOUN
cjfa-30371	144	14	holders	holder	NOUN
cjfa-30371	144	15	’	'	PUNCT
cjfa-30371	144	16	equity	equity	NOUN
cjfa-30371	144	17	while	while	SCONJ
cjfa-30371	144	18	the	the	DET
cjfa-30371	144	19	remaining	remain	VERB
cjfa-30371	144	20	86.32	86.32	NUM
cjfa-30371	144	21	percent	percent	NOUN
cjfa-30371	144	22	is	be	AUX
cjfa-30371	144	23	debt	debt	NOUN
cjfa-30371	144	24	.	.	PUNCT
cjfa-30371	145	1	the	the	DET
cjfa-30371	145	2	maximum	maximum	ADJ
cjfa-30371	145	3	amount	amount	NOUN
cjfa-30371	145	4	of	of	ADP
cjfa-30371	145	5	asset	asset	NOUN
cjfa-30371	145	6	covered	cover	VERB
cjfa-30371	145	7	by	by	ADP
cjfa-30371	145	8	equity	equity	NOUN
cjfa-30371	145	9	capital	capital	NOUN
cjfa-30371	145	10	is	be	AUX
cjfa-30371	145	11	50.75	50.75	NUM
cjfa-30371	145	12	percent	percent	NOUN
cjfa-30371	145	13	while	while	SCONJ
cjfa-30371	145	14	the	the	DET
cjfa-30371	145	15	minimum	minimum	NOUN
cjfa-30371	145	16	is	be	AUX
cjfa-30371	145	17	only	only	ADV
cjfa-30371	145	18	4.46	4.46	NUM
cjfa-30371	145	19	percent	percent	NOUN
cjfa-30371	145	20	.	.	PUNCT
cjfa-30371	146	1	the	the	DET
cjfa-30371	146	2	deviation	deviation	NOUN
cjfa-30371	146	3	between	between	ADP
cjfa-30371	146	4	the	the	DET
cjfa-30371	146	5	banks	bank	NOUN
cjfa-30371	146	6	is	be	AUX
cjfa-30371	146	7	6.61	6.61	NUM
cjfa-30371	146	8	percent	percent	NOUN
cjfa-30371	146	9	which	which	PRON
cjfa-30371	146	10	table	table	NOUN
cjfa-30371	146	11	2	2	NUM
cjfa-30371	146	12	.	.	PUNCT
cjfa-30371	146	13	summery	summery	ADJ
cjfa-30371	146	14	…	…	PUNCT
cjfa-30371	146	15	muktar	muktar	NOUN
cjfa-30371	146	16	abdela	abdela	PROPN
cjfa-30371	146	17	shifa	shifa	PROPN
cjfa-30371	146	18	,	,	PUNCT
cjfa-30371	146	19	kenenisa	kenenisa	NOUN
cjfa-30371	146	20	lemmi	lemmi	PROPN
cjfa-30371	146	21	debela	debela	PROPN
cjfa-30371	146	22	,	,	PUNCT
cjfa-30371	146	23	endalew	endalew	PROPN
cjfa-30371	146	24	gutu	gutu	PROPN
cjfa-30371	146	25	tarfa196	tarfa196	PROPN
cjfa-30371	146	26	shows	show	VERB
cjfa-30371	146	27	higher	high	ADJ
cjfa-30371	146	28	variability	variability	NOUN
cjfa-30371	146	29	of	of	ADP
cjfa-30371	146	30	capital	capital	NOUN
cjfa-30371	146	31	financing	financing	NOUN
cjfa-30371	146	32	between	between	ADP
cjfa-30371	146	33	the	the	DET
cjfa-30371	146	34	ethiopian	ethiopian	ADJ
cjfa-30371	146	35	commercial	commercial	ADJ
cjfa-30371	146	36	banks	bank	NOUN
cjfa-30371	146	37	.	.	PUNCT
cjfa-30371	147	1	with	with	ADP
cjfa-30371	147	2	regard	regard	NOUN
cjfa-30371	147	3	to	to	ADP
cjfa-30371	147	4	business	business	NOUN
cjfa-30371	147	5	mix	mix	NOUN
cjfa-30371	147	6	indicators	indicator	NOUN
cjfa-30371	147	7	which	which	PRON
cjfa-30371	147	8	are	be	AUX
cjfa-30371	147	9	measured	measure	VERB
cjfa-30371	147	10	by	by	ADP
cjfa-30371	147	11	the	the	DET
cjfa-30371	147	12	ratio	ratio	NOUN
cjfa-30371	147	13	of	of	ADP
cjfa-30371	147	14	service	service	NOUN
cjfa-30371	147	15	charge	charge	NOUN
cjfa-30371	147	16	and	and	CCONJ
cjfa-30371	147	17	commission	commission	NOUN
cjfa-30371	147	18	to	to	PART
cjfa-30371	147	19	total	total	ADJ
cjfa-30371	147	20	operating	operate	VERB
cjfa-30371	147	21	income	income	NOUN
cjfa-30371	147	22	from	from	ADP
cjfa-30371	147	23	interest	interest	NOUN
cjfa-30371	147	24	and	and	CCONJ
cjfa-30371	147	25	non	non	ADJ
cjfa-30371	147	26	-	-	ADJ
cjfa-30371	147	27	interest	interest	ADJ
cjfa-30371	147	28	sources	source	NOUN
cjfa-30371	147	29	.	.	PUNCT
cjfa-30371	148	1	herfindhal	herfindhal	ADJ
cjfa-30371	148	2	-	-	PUNCT
cjfa-30371	148	3	hirschman	hirschman	NOUN
cjfa-30371	148	4	index	index	NOUN
cjfa-30371	148	5	in	in	ADP
cjfa-30371	148	6	terms	term	NOUN
cjfa-30371	148	7	of	of	ADP
cjfa-30371	148	8	asset	asset	NOUN
cjfa-30371	148	9	measures	measure	NOUN
cjfa-30371	148	10	the	the	DET
cjfa-30371	148	11	bank	bank	NOUN
cjfa-30371	148	12	concentration	concentration	NOUN
cjfa-30371	148	13	in	in	ADP
cjfa-30371	148	14	the	the	DET
cjfa-30371	148	15	banking	banking	NOUN
cjfa-30371	148	16	industry	industry	NOUN
cjfa-30371	148	17	of	of	ADP
cjfa-30371	148	18	the	the	DET
cjfa-30371	148	19	country	country	NOUN
cjfa-30371	148	20	.	.	PUNCT
cjfa-30371	149	1	gdp	gdp	NOUN
cjfa-30371	149	2	is	be	AUX
cjfa-30371	149	3	one	one	NUM
cjfa-30371	149	4	factor	factor	NOUN
cjfa-30371	149	5	among	among	ADP
cjfa-30371	149	6	the	the	DET
cjfa-30371	149	7	macroeconomic	macroeconomic	ADJ
cjfa-30371	149	8	determinants	determinant	NOUN
cjfa-30371	149	9	of	of	ADP
cjfa-30371	149	10	bank	bank	NOUN
cjfa-30371	149	11	profitability	profitability	NOUN
cjfa-30371	149	12	.	.	PUNCT
cjfa-30371	150	1	test	test	NOUN
cjfa-30371	150	2	for	for	ADP
cjfa-30371	150	3	multicollinearity	multicollinearity	NOUN
cjfa-30371	150	4	one	one	NUM
cjfa-30371	150	5	of	of	ADP
cjfa-30371	150	6	the	the	DET
cjfa-30371	150	7	assumptions	assumption	NOUN
cjfa-30371	150	8	in	in	ADP
cjfa-30371	150	9	the	the	DET
cjfa-30371	150	10	ordinary	ordinary	ADJ
cjfa-30371	150	11	least	least	ADJ
cjfa-30371	150	12	squares	square	NOUN
cjfa-30371	150	13	is	be	AUX
cjfa-30371	150	14	that	that	SCONJ
cjfa-30371	150	15	explanatory	explanatory	ADJ
cjfa-30371	150	16	variables	variable	NOUN
cjfa-30371	150	17	were	be	AUX
cjfa-30371	150	18	not	not	PART
cjfa-30371	150	19	perfectly	perfectly	ADV
cjfa-30371	150	20	correlated	correlate	VERB
cjfa-30371	150	21	with	with	ADP
cjfa-30371	150	22	one	one	NUM
cjfa-30371	150	23	another	another	DET
cjfa-30371	150	24	.	.	PUNCT
cjfa-30371	151	1	the	the	DET
cjfa-30371	151	2	statistical	statistical	ADJ
cjfa-30371	151	3	method	method	NOUN
cjfa-30371	151	4	for	for	ADP
cjfa-30371	151	5	testing	test	VERB
cjfa-30371	151	6	multicollinearity	multicollinearity	NOUN
cjfa-30371	151	7	is	be	AUX
cjfa-30371	151	8	analyzing	analyze	VERB
cjfa-30371	151	9	the	the	DET
cjfa-30371	151	10	correlation	correlation	NOUN
cjfa-30371	151	11	coefficients	coefficient	NOUN
cjfa-30371	151	12	between	between	ADP
cjfa-30371	151	13	explanatory	explanatory	ADJ
cjfa-30371	151	14	variables	variable	NOUN
cjfa-30371	151	15	or	or	CCONJ
cjfa-30371	151	16	variance	variance	NOUN
cjfa-30371	151	17	inflation	inflation	NOUN
cjfa-30371	151	18	factor	factor	NOUN
cjfa-30371	151	19	(	(	PUNCT
cjfa-30371	151	20	vif	vif	PROPN
cjfa-30371	151	21	)	)	PUNCT
cjfa-30371	151	22	gujarati	gujarati	PROPN
cjfa-30371	151	23	(	(	PUNCT
cjfa-30371	151	24	2004	2004	NUM
cjfa-30371	151	25	)	)	PUNCT
cjfa-30371	151	26	.	.	PUNCT
cjfa-30371	152	1	accordingly	accordingly	ADV
cjfa-30371	152	2	,	,	PUNCT
cjfa-30371	152	3	in	in	ADP
cjfa-30371	152	4	this	this	DET
cjfa-30371	152	5	data	datum	NOUN
cjfa-30371	152	6	the	the	DET
cjfa-30371	152	7	variance	variance	NOUN
cjfa-30371	152	8	inflation	inflation	NOUN
cjfa-30371	152	9	factor	factor	NOUN
cjfa-30371	152	10	for	for	ADP
cjfa-30371	152	11	all	all	DET
cjfa-30371	152	12	variables	variable	NOUN
cjfa-30371	152	13	is	be	AUX
cjfa-30371	152	14	below	below	ADP
cjfa-30371	152	15	10	10	NUM
cjfa-30371	152	16	.	.	PUNCT
cjfa-30371	153	1	this	this	PRON
cjfa-30371	153	2	indicates	indicate	VERB
cjfa-30371	153	3	that	that	SCONJ
cjfa-30371	153	4	there	there	PRON
cjfa-30371	153	5	is	be	VERB
cjfa-30371	153	6	no	no	DET
cjfa-30371	153	7	problem	problem	NOUN
cjfa-30371	153	8	of	of	ADP
cjfa-30371	153	9	multicollinearity	multicollinearity	NOUN
cjfa-30371	153	10	.	.	PUNCT
cjfa-30371	154	1	table	table	NOUN
cjfa-30371	154	2	3	3	NUM
cjfa-30371	154	3	.	.	PUNCT
cjfa-30371	154	4	correlation	correlation	NOUN
cjfa-30371	154	5	index	index	NOUN
cjfa-30371	154	6	between	between	ADP
cjfa-30371	154	7	explanatory	explanatory	ADJ
cjfa-30371	154	8	variables	variable	NOUN
cjfa-30371	154	9	table	table	NOUN
cjfa-30371	154	10	3	3	NUM
cjfa-30371	154	11	.	.	PUNCT
cjfa-30371	154	12	correlation	correlation	NOUN
cjfa-30371	154	13	index	index	NOUN
cjfa-30371	154	14	between	between	ADP
cjfa-30371	154	15	explanatory	explanatory	ADJ
cjfa-30371	154	16	variables	variable	NOUN
cjfa-30371	154	17	source	source	NOUN
cjfa-30371	154	18	:	:	PUNCT
cjfa-30371	154	19	own	own	ADJ
cjfa-30371	154	20	competition	competition	NOUN
cjfa-30371	154	21	,	,	PUNCT
cjfa-30371	154	22	2018	2018	NUM
cjfa-30371	154	23	.	.	PUNCT
cjfa-30371	155	1	model	model	NOUN
cjfa-30371	155	2	specification	specification	NOUN
cjfa-30371	155	3	tests	test	VERB
cjfa-30371	155	4	random	random	ADJ
cjfa-30371	155	5	effect	effect	NOUN
cjfa-30371	155	6	versus	versus	ADP
cjfa-30371	155	7	pooled	pool	VERB
cjfa-30371	155	8	ols	ol	NOUN
cjfa-30371	155	9	(	(	PUNCT
cjfa-30371	155	10	breusch	breusch	X
cjfa-30371	155	11	and	and	CCONJ
cjfa-30371	155	12	pagan	pagan	VERB
cjfa-30371	155	13	lm	lm	INTJ
cjfa-30371	155	14	test	test	NOUN
cjfa-30371	155	15	)	)	PUNCT
cjfa-30371	155	16	the	the	DET
cjfa-30371	155	17	pooled	pool	VERB
cjfa-30371	155	18	ols	ols	PROPN
cjfa-30371	155	19	is	be	AUX
cjfa-30371	155	20	a	a	DET
cjfa-30371	155	21	pooled	pooled	ADJ
cjfa-30371	155	22	linear	linear	ADJ
cjfa-30371	155	23	regression	regression	NOUN
cjfa-30371	155	24	without	without	ADP
cjfa-30371	155	25	fixed	fix	VERB
cjfa-30371	155	26	and/or	and/or	CCONJ
cjfa-30371	155	27	random	random	ADJ
cjfa-30371	155	28	effects	effect	NOUN
cjfa-30371	155	29	.	.	PUNCT
cjfa-30371	156	1	it	it	PRON
cjfa-30371	156	2	assumes	assume	VERB
cjfa-30371	156	3	a	a	DET
cjfa-30371	156	4	constant	constant	ADJ
cjfa-30371	156	5	intercept	intercept	NOUN
cjfa-30371	156	6	and	and	CCONJ
cjfa-30371	156	7	slopes	slope	NOUN
cjfa-30371	156	8	regardless	regardless	ADV
cjfa-30371	156	9	of	of	ADP
cjfa-30371	156	10	group	group	NOUN
cjfa-30371	156	11	and	and	CCONJ
cjfa-30371	156	12	time	time	NOUN
cjfa-30371	156	13	period	period	NOUN
cjfa-30371	156	14	.	.	PUNCT
cjfa-30371	157	1	regression	regression	NOUN
cjfa-30371	157	2	results	result	NOUN
cjfa-30371	157	3	and	and	CCONJ
cjfa-30371	157	4	interpretations	interpretation	NOUN
cjfa-30371	157	5	the	the	DET
cjfa-30371	157	6	general	general	ADJ
cjfa-30371	157	7	objective	objective	NOUN
cjfa-30371	157	8	of	of	ADP
cjfa-30371	157	9	this	this	DET
cjfa-30371	157	10	study	study	NOUN
cjfa-30371	157	11	is	be	AUX
cjfa-30371	157	12	to	to	PART
cjfa-30371	157	13	find	find	VERB
cjfa-30371	157	14	out	out	ADP
cjfa-30371	157	15	the	the	DET
cjfa-30371	157	16	determinants	determinant	NOUN
cjfa-30371	157	17	of	of	ADP
cjfa-30371	157	18	bank	bank	NOUN
cjfa-30371	157	19	profitability	profitability	NOUN
cjfa-30371	157	20	in	in	ADP
cjfa-30371	157	21	the	the	DET
cjfa-30371	157	22	ethiopian	ethiopian	ADJ
cjfa-30371	157	23	commercial	commercial	ADJ
cjfa-30371	157	24	banks	bank	NOUN
cjfa-30371	157	25	.	.	PUNCT
cjfa-30371	158	1	a	a	DET
cjfa-30371	158	2	panel	panel	NOUN
cjfa-30371	158	3	data	datum	NOUN
cjfa-30371	158	4	of	of	ADP
cjfa-30371	158	5	ten	ten	NUM
cjfa-30371	158	6	years	year	NOUN
cjfa-30371	158	7	from	from	ADP
cjfa-30371	158	8	the	the	DET
cjfa-30371	158	9	sampled	sampled	ADJ
cjfa-30371	158	10	nine	nine	NUM
cjfa-30371	158	11	commercial	commercial	ADJ
cjfa-30371	158	12	banks	bank	NOUN
cjfa-30371	158	13	were	be	AUX
cjfa-30371	158	14	used	use	VERB
cjfa-30371	158	15	to	to	PART
cjfa-30371	158	16	achieve	achieve	VERB
cjfa-30371	158	17	the	the	DET
cjfa-30371	158	18	specified	specified	ADJ
cjfa-30371	158	19	objectives	objective	NOUN
cjfa-30371	158	20	and	and	CCONJ
cjfa-30371	158	21	answer	answer	VERB
cjfa-30371	158	22	the	the	DET
cjfa-30371	158	23	hypothesized	hypothesized	ADJ
cjfa-30371	158	24	statements	statement	NOUN
cjfa-30371	158	25	.	.	PUNCT
cjfa-30371	159	1	table	table	NOUN
cjfa-30371	159	2	4	4	NUM
cjfa-30371	159	3	.	.	PUNCT
cjfa-30371	160	1	regression	regression	NOUN
cjfa-30371	160	2	output	output	NOUN
cjfa-30371	160	3	source	source	NOUN
cjfa-30371	160	4	:	:	PUNCT
cjfa-30371	160	5	own	own	ADJ
cjfa-30371	160	6	competition	competition	NOUN
cjfa-30371	160	7	,	,	PUNCT
cjfa-30371	160	8	2018	2018	NUM
cjfa-30371	160	9	.	.	PUNCT
cjfa-30371	161	1	regression	regression	NOUN
cjfa-30371	161	2	output	output	NOUN
cjfa-30371	161	3	the	the	DET
cjfa-30371	161	4	regression	regression	NOUN
cjfa-30371	161	5	model	model	NOUN
cjfa-30371	161	6	is	be	AUX
cjfa-30371	161	7	set	set	VERB
cjfa-30371	161	8	as	as	SCONJ
cjfa-30371	161	9	follows	follow	VERB
cjfa-30371	161	10	;	;	PUNCT
cjfa-30371	161	11	bs	bs	NOUN
cjfa-30371	161	12	1.0000	1.0000	NUM
cjfa-30371	161	13	bs	bs	PROPN
cjfa-30371	161	14	bs	bs	PROPN
cjfa-30371	161	15	-0.6976	-0.6976	NOUN
cjfa-30371	161	16	0.0196	0.0196	NUM
cjfa-30371	161	17	0.0655	0.0655	NUM
cjfa-30371	161	18	0.1931	0.1931	NUM
cjfa-30371	161	19	-0.3396	-0.3396	NOUN
cjfa-30371	162	1	0.6970	0.6970	NUM
cjfa-30371	162	2	-0.4573	-0.4573	NOUN
cjfa-30371	162	3	loandep	loandep	VERB
cjfa-30371	162	4	0.2721	0.2721	NUM
cjfa-30371	162	5	0.2563	0.2563	NUM
cjfa-30371	162	6	-0.1229	-0.1229	NOUN
cjfa-30371	162	7	0.1666	0.1666	NUM
cjfa-30371	162	8	0.1634	0.1634	NUM
cjfa-30371	162	9	-0.4815	-0.4815	NOUN
cjfa-30371	162	10	1.0000	1.0000	NUM
cjfa-30371	162	11	own	own	ADJ
cjfa-30371	162	12	-0.4293	-0.4293	NOUN
cjfa-30371	162	13	-0.0613	-0.0613	NOUN
cjfa-30371	162	14	-0.1037	-0.1037	PUNCT
cjfa-30371	162	15	-0.0000	-0.0000	PUNCT
cjfa-30371	162	16	-0.0000	-0.0000	PUNCT
cjfa-30371	163	1	1.0000	1.0000	NUM
cjfa-30371	163	2	gdp	gdp	NOUN
cjfa-30371	163	3	0.1623	0.1623	NUM
cjfa-30371	163	4	-0.1688	-0.1688	PROPN
cjfa-30371	163	5	-0.1816	-0.1816	PROPN
cjfa-30371	163	6	-0.1881	-0.1881	NOUN
cjfa-30371	163	7	1.0000	1.0000	NUM
cjfa-30371	163	8	hhi_ta	hhi_ta	NOUN
cjfa-30371	163	9	0.0980	0.0980	NUM
cjfa-30371	163	10	-0.0178	-0.0178	NOUN
cjfa-30371	164	1	0.0577	0.0577	NUM
cjfa-30371	164	2	1.0000	1.0000	NUM
cjfa-30371	164	3	bmix	bmix	NOUN
cjfa-30371	164	4	-0.0906	-0.0906	VERB
cjfa-30371	164	5	0.0120	0.0120	NUM
cjfa-30371	164	6	1.0000	1.0000	NUM
cjfa-30371	164	7	gnexopin	gnexopin	NOUN
cjfa-30371	164	8	-0.1844	-0.1844	NOUN
cjfa-30371	164	9	1.0000	1.0000	NUM
cjfa-30371	164	10	capta	capta	PROPN
cjfa-30371	164	11	1.0000	1.0000	NUM
cjfa-30371	164	12	capta	capta	NOUN
cjfa-30371	164	13	gnexopin	gnexopin	NOUN
cjfa-30371	164	14	bmix	bmix	VERB
cjfa-30371	164	15	hhi_ta	hhi_ta	VERB
cjfa-30371	165	1	gdp	gdp	NOUN
cjfa-30371	165	2	own	own	ADJ
cjfa-30371	165	3	loandep	loandep	ADV
cjfa-30371	165	4	_	_	VERB
cjfa-30371	165	5	cons	con	NOUN
cjfa-30371	165	6	-.0228835	-.0228835	PUNCT
cjfa-30371	165	7	.027418	.027418	NOUN
cjfa-30371	165	8	-0.83	-0.83	NOUN
cjfa-30371	165	9	0.406	0.406	NUM
cjfa-30371	165	10	-.0774367	-.0774367	PUNCT
cjfa-30371	165	11	.0316697	.0316697	VERB
cjfa-30371	165	12	bs	bs	NOUN
cjfa-30371	165	13	.0035123	.0035123	NOUN
cjfa-30371	165	14	.0017717	.0017717	PROPN
cjfa-30371	166	1	1.98	1.98	NUM
cjfa-30371	166	2	0.051	0.051	NUM
cjfa-30371	166	3	-.0000128	-.0000128	PUNCT
cjfa-30371	166	4	.0070374	.0070374	PROPN
cjfa-30371	166	5	loandep	loandep	ADV
cjfa-30371	166	6	.0213929	.0213929	PROPN
cjfa-30371	167	1	.0089832	.0089832	PROPN
cjfa-30371	168	1	2.38	2.38	NUM
cjfa-30371	168	2	0.020	0.020	NUM
cjfa-30371	168	3	.0035192	.0035192	PROPN
cjfa-30371	168	4	.0392666	.0392666	PROPN
cjfa-30371	168	5	own	own	ADJ
cjfa-30371	168	6	-.0095011	-.0095011	PUNCT
cjfa-30371	168	7	.0040068	.0040068	PROPN
cjfa-30371	168	8	-2.37	-2.37	VERB
cjfa-30371	168	9	0.020	0.020	NUM
cjfa-30371	168	10	-.0174734	-.0174734	PUNCT
cjfa-30371	168	11	-.0015288	-.0015288	PUNCT
cjfa-30371	168	12	gdp	gdp	NOUN
cjfa-30371	168	13	.0010893	.0010893	PROPN
cjfa-30371	168	14	.0010112	.0010112	PROPN
cjfa-30371	169	1	1.08	1.08	NUM
cjfa-30371	169	2	0.285	0.285	NUM
cjfa-30371	169	3	-.0009227	-.0009227	SYM
cjfa-30371	169	4	.0031013	.0031013	PROPN
cjfa-30371	169	5	hhi_ta	hhi_ta	X
cjfa-30371	169	6	.0029155	.0029155	PUNCT
cjfa-30371	170	1	.0342972	.0342972	PROPN
cjfa-30371	170	2	0.09	0.09	NUM
cjfa-30371	170	3	0.932	0.932	NUM
cjfa-30371	170	4	-.0653252	-.0653252	NUM
cjfa-30371	170	5	.0711562	.0711562	NOUN
cjfa-30371	170	6	bmix	bmix	VERB
cjfa-30371	170	7	.0488447	.0488447	NOUN
cjfa-30371	170	8	.0115105	.0115105	PROPN
cjfa-30371	171	1	4.24	4.24	NUM
cjfa-30371	171	2	0.000	0.000	NUM
cjfa-30371	171	3	.0259424	.0259424	NOUN
cjfa-30371	172	1	.0717471	.0717471	DET
cjfa-30371	172	2	gnexopin	gnexopin	NOUN
cjfa-30371	172	3	-.0013142	-.0013142	PUNCT
cjfa-30371	172	4	.0007116	.0007116	PROPN
cjfa-30371	172	5	-1.85	-1.85	NUM
cjfa-30371	172	6	0.068	0.068	NUM
cjfa-30371	172	7	-.0027301	-.0027301	PUNCT
cjfa-30371	172	8	.0001017	.0001017	PROPN
cjfa-30371	172	9	capta	capta	PROPN
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cjfa-30371	172	11	.044769	.044769	NOUN
cjfa-30371	172	12	-2.01	-2.01	NOUN
cjfa-30371	172	13	0.048	0.048	NUM
cjfa-30371	172	14	-.1789932	-.1789932	PUNCT
cjfa-30371	172	15	-.0008408	-.0008408	PUNCT
cjfa-30371	172	16	roa	roa	PROPN
cjfa-30371	172	17	coef	coef	PROPN
cjfa-30371	172	18	.	.	PUNCT
cjfa-30371	173	1	std	std	NOUN
cjfa-30371	173	2	.	.	PUNCT
cjfa-30371	174	1	err	err	PROPN
cjfa-30371	174	2	.	.	PUNCT
cjfa-30371	175	1	t	t	PROPN
cjfa-30371	175	2	p>|t|	p>|t|	PROPN
cjfa-30371	176	1	[	[	X
cjfa-30371	176	2	95	95	NUM
cjfa-30371	176	3	%	%	NOUN
cjfa-30371	176	4	conf	conf	NOUN
cjfa-30371	176	5	.	.	PUNCT
cjfa-30371	177	1	interval	interval	NOUN
cjfa-30371	177	2	]	]	PUNCT
cjfa-30371	177	3	robust	robust	ADJ
cjfa-30371	177	4	root	root	NOUN
cjfa-30371	177	5	mse	mse	NOUN
cjfa-30371	177	6	=	=	SYM
cjfa-30371	178	1	.00876	.00876	NOUN
cjfa-30371	178	2	r	r	X
cjfa-30371	178	3	-	-	PUNCT
cjfa-30371	178	4	squared	square	VERB
cjfa-30371	178	5	=	=	NOUN
cjfa-30371	178	6	0.5147	0.5147	NUM
cjfa-30371	178	7	prob	prob	NOUN
cjfa-30371	178	8	>	>	X
cjfa-30371	178	9	f	f	PROPN
cjfa-30371	179	1	=	=	SYM
cjfa-30371	179	2	0.0000	0.0000	NUM
cjfa-30371	179	3	f	f	X
cjfa-30371	179	4	(	(	PUNCT
cjfa-30371	179	5	8	8	NUM
cjfa-30371	179	6	,	,	PUNCT
cjfa-30371	179	7	81	81	NUM
cjfa-30371	179	8	)	)	PUNCT
cjfa-30371	179	9	=	=	SYM
cjfa-30371	179	10	5.88	5.88	NUM
cjfa-30371	179	11	linear	linear	NOUN
cjfa-30371	179	12	regression	regression	NOUN
cjfa-30371	179	13	number	number	NOUN
cjfa-30371	179	14	of	of	ADP
cjfa-30371	179	15	obs	obs	PROPN
cjfa-30371	179	16	=	=	PUNCT
cjfa-30371	180	1	90	90	NUM
cjfa-30371	180	2	s	s	NOUN
cjfa-30371	180	3	o	o	NOUN
cjfa-30371	180	4	u	u	NOUN
cjfa-30371	180	5	r	r	NOUN
cjfa-30371	180	6	c	c	NOUN
cjfa-30371	180	7	e	e	NOUN
cjfa-30371	180	8	:	:	PUNCT
cjfa-30371	180	9	own	own	ADJ
cjfa-30371	180	10	competition	competition	NOUN
cjfa-30371	180	11	,	,	PUNCT
cjfa-30371	180	12	2018	2018	NUM
cjfa-30371	180	13	.	.	PUNCT
cjfa-30371	181	1	determinants	determinant	NOUN
cjfa-30371	181	2	of	of	ADP
cjfa-30371	181	3	the	the	DET
cjfa-30371	181	4	profitability	profitability	NOUN
cjfa-30371	181	5	of	of	ADP
cjfa-30371	181	6	commercial	commercial	ADJ
cjfa-30371	181	7	banks	bank	NOUN
cjfa-30371	181	8	in	in	ADP
cjfa-30371	181	9	ethiopia	ethiopia	PROPN
cjfa-30371	181	10	197	197	NUM
cjfa-30371	181	11	model	model	NOUN
cjfa-30371	181	12	specification	specification	NOUN
cjfa-30371	181	13	tests	test	VERB
cjfa-30371	181	14	random	random	ADJ
cjfa-30371	181	15	effect	effect	NOUN
cjfa-30371	181	16	versus	versus	ADP
cjfa-30371	181	17	pooled	pool	VERB
cjfa-30371	181	18	ols	ol	NOUN
cjfa-30371	181	19	(	(	PUNCT
cjfa-30371	181	20	breusch	breusch	X
cjfa-30371	181	21	and	and	CCONJ
cjfa-30371	181	22	pagan	pagan	VERB
cjfa-30371	181	23	lm	lm	INTJ
cjfa-30371	181	24	test	test	NOUN
cjfa-30371	181	25	)	)	PUNCT
cjfa-30371	181	26	the	the	DET
cjfa-30371	181	27	pooled	pool	VERB
cjfa-30371	181	28	ols	ols	PROPN
cjfa-30371	181	29	is	be	AUX
cjfa-30371	181	30	a	a	DET
cjfa-30371	181	31	pooled	pooled	ADJ
cjfa-30371	181	32	linear	linear	ADJ
cjfa-30371	181	33	regression	regression	NOUN
cjfa-30371	181	34	without	without	ADP
cjfa-30371	181	35	fixed	fix	VERB
cjfa-30371	181	36	and/or	and/or	CCONJ
cjfa-30371	181	37	random	random	ADJ
cjfa-30371	181	38	effects	effect	NOUN
cjfa-30371	181	39	.	.	PUNCT
cjfa-30371	182	1	it	it	PRON
cjfa-30371	182	2	assumes	assume	VERB
cjfa-30371	182	3	a	a	DET
cjfa-30371	182	4	constant	constant	ADJ
cjfa-30371	182	5	intercept	intercept	NOUN
cjfa-30371	182	6	and	and	CCONJ
cjfa-30371	182	7	slopes	slope	NOUN
cjfa-30371	182	8	regardless	regardless	ADV
cjfa-30371	182	9	of	of	ADP
cjfa-30371	182	10	group	group	NOUN
cjfa-30371	182	11	and	and	CCONJ
cjfa-30371	182	12	time	time	NOUN
cjfa-30371	182	13	period	period	NOUN
cjfa-30371	182	14	.	.	PUNCT
cjfa-30371	183	1	regression	regression	NOUN
cjfa-30371	183	2	results	result	NOUN
cjfa-30371	183	3	and	and	CCONJ
cjfa-30371	183	4	interpretations	interpretation	NOUN
cjfa-30371	183	5	the	the	DET
cjfa-30371	183	6	general	general	ADJ
cjfa-30371	183	7	objective	objective	NOUN
cjfa-30371	183	8	of	of	ADP
cjfa-30371	183	9	this	this	DET
cjfa-30371	183	10	study	study	NOUN
cjfa-30371	183	11	is	be	AUX
cjfa-30371	183	12	to	to	PART
cjfa-30371	183	13	find	find	VERB
cjfa-30371	183	14	out	out	ADP
cjfa-30371	183	15	the	the	DET
cjfa-30371	183	16	determinants	determinant	NOUN
cjfa-30371	183	17	of	of	ADP
cjfa-30371	183	18	bank	bank	NOUN
cjfa-30371	183	19	profitability	profitability	NOUN
cjfa-30371	183	20	in	in	ADP
cjfa-30371	183	21	the	the	DET
cjfa-30371	183	22	ethiopian	ethiopian	ADJ
cjfa-30371	183	23	commercial	commercial	ADJ
cjfa-30371	183	24	banks	bank	NOUN
cjfa-30371	183	25	.	.	PUNCT
cjfa-30371	184	1	a	a	DET
cjfa-30371	184	2	panel	panel	NOUN
cjfa-30371	184	3	data	datum	NOUN
cjfa-30371	184	4	of	of	ADP
cjfa-30371	184	5	ten	ten	NUM
cjfa-30371	184	6	years	year	NOUN
cjfa-30371	184	7	from	from	ADP
cjfa-30371	184	8	the	the	DET
cjfa-30371	184	9	sampled	sampled	ADJ
cjfa-30371	184	10	nine	nine	NUM
cjfa-30371	184	11	commercial	commercial	ADJ
cjfa-30371	184	12	banks	bank	NOUN
cjfa-30371	184	13	were	be	AUX
cjfa-30371	184	14	used	use	VERB
cjfa-30371	184	15	to	to	PART
cjfa-30371	184	16	achieve	achieve	VERB
cjfa-30371	184	17	the	the	DET
cjfa-30371	184	18	specified	specified	ADJ
cjfa-30371	184	19	objectives	objective	NOUN
cjfa-30371	184	20	and	and	CCONJ
cjfa-30371	184	21	answer	answer	VERB
cjfa-30371	184	22	the	the	DET
cjfa-30371	184	23	hypothesized	hypothesized	ADJ
cjfa-30371	184	24	statements	statement	NOUN
cjfa-30371	184	25	.	.	PUNCT
cjfa-30371	185	1	table	table	NOUN
cjfa-30371	185	2	4	4	NUM
cjfa-30371	185	3	.	.	PUNCT
cjfa-30371	186	1	regression	regression	NOUN
cjfa-30371	186	2	output	output	NOUN
cjfa-30371	186	3	table	table	NOUN
cjfa-30371	186	4	3	3	NUM
cjfa-30371	186	5	.	.	PUNCT
cjfa-30371	186	6	correlation	correlation	NOUN
cjfa-30371	186	7	index	index	NOUN
cjfa-30371	186	8	between	between	ADP
cjfa-30371	186	9	explanatory	explanatory	ADJ
cjfa-30371	186	10	variables	variable	NOUN
cjfa-30371	186	11	source	source	NOUN
cjfa-30371	186	12	:	:	PUNCT
cjfa-30371	186	13	own	own	ADJ
cjfa-30371	186	14	competition	competition	NOUN
cjfa-30371	186	15	,	,	PUNCT
cjfa-30371	186	16	2018	2018	NUM
cjfa-30371	186	17	.	.	PUNCT
cjfa-30371	187	1	model	model	NOUN
cjfa-30371	187	2	specification	specification	NOUN
cjfa-30371	187	3	tests	test	VERB
cjfa-30371	187	4	random	random	ADJ
cjfa-30371	187	5	effect	effect	NOUN
cjfa-30371	187	6	versus	versus	ADP
cjfa-30371	187	7	pooled	pool	VERB
cjfa-30371	187	8	ols	ol	NOUN
cjfa-30371	187	9	(	(	PUNCT
cjfa-30371	187	10	breusch	breusch	X
cjfa-30371	187	11	and	and	CCONJ
cjfa-30371	187	12	pagan	pagan	VERB
cjfa-30371	187	13	lm	lm	INTJ
cjfa-30371	187	14	test	test	NOUN
cjfa-30371	187	15	)	)	PUNCT
cjfa-30371	187	16	the	the	DET
cjfa-30371	187	17	pooled	pool	VERB
cjfa-30371	187	18	ols	ols	PROPN
cjfa-30371	187	19	is	be	AUX
cjfa-30371	187	20	a	a	DET
cjfa-30371	187	21	pooled	pooled	ADJ
cjfa-30371	187	22	linear	linear	ADJ
cjfa-30371	187	23	regression	regression	NOUN
cjfa-30371	187	24	without	without	ADP
cjfa-30371	187	25	fixed	fix	VERB
cjfa-30371	187	26	and/or	and/or	CCONJ
cjfa-30371	187	27	random	random	ADJ
cjfa-30371	187	28	effects	effect	NOUN
cjfa-30371	187	29	.	.	PUNCT
cjfa-30371	188	1	it	it	PRON
cjfa-30371	188	2	assumes	assume	VERB
cjfa-30371	188	3	a	a	DET
cjfa-30371	188	4	constant	constant	ADJ
cjfa-30371	188	5	intercept	intercept	NOUN
cjfa-30371	188	6	and	and	CCONJ
cjfa-30371	188	7	slopes	slope	NOUN
cjfa-30371	188	8	regardless	regardless	ADV
cjfa-30371	188	9	of	of	ADP
cjfa-30371	188	10	group	group	NOUN
cjfa-30371	188	11	and	and	CCONJ
cjfa-30371	188	12	time	time	NOUN
cjfa-30371	188	13	period	period	NOUN
cjfa-30371	188	14	.	.	PUNCT
cjfa-30371	189	1	regression	regression	NOUN
cjfa-30371	189	2	results	result	NOUN
cjfa-30371	189	3	and	and	CCONJ
cjfa-30371	189	4	interpretations	interpretation	NOUN
cjfa-30371	189	5	the	the	DET
cjfa-30371	189	6	general	general	ADJ
cjfa-30371	189	7	objective	objective	NOUN
cjfa-30371	189	8	of	of	ADP
cjfa-30371	189	9	this	this	DET
cjfa-30371	189	10	study	study	NOUN
cjfa-30371	189	11	is	be	AUX
cjfa-30371	189	12	to	to	PART
cjfa-30371	189	13	find	find	VERB
cjfa-30371	189	14	out	out	ADP
cjfa-30371	189	15	the	the	DET
cjfa-30371	189	16	determinants	determinant	NOUN
cjfa-30371	189	17	of	of	ADP
cjfa-30371	189	18	bank	bank	NOUN
cjfa-30371	189	19	profitability	profitability	NOUN
cjfa-30371	189	20	in	in	ADP
cjfa-30371	189	21	the	the	DET
cjfa-30371	189	22	ethiopian	ethiopian	ADJ
cjfa-30371	189	23	commercial	commercial	ADJ
cjfa-30371	189	24	banks	bank	NOUN
cjfa-30371	189	25	.	.	PUNCT
cjfa-30371	190	1	a	a	DET
cjfa-30371	190	2	panel	panel	NOUN
cjfa-30371	190	3	data	datum	NOUN
cjfa-30371	190	4	of	of	ADP
cjfa-30371	190	5	ten	ten	NUM
cjfa-30371	190	6	years	year	NOUN
cjfa-30371	190	7	from	from	ADP
cjfa-30371	190	8	the	the	DET
cjfa-30371	190	9	sampled	sampled	ADJ
cjfa-30371	190	10	nine	nine	NUM
cjfa-30371	190	11	commercial	commercial	ADJ
cjfa-30371	190	12	banks	bank	NOUN
cjfa-30371	190	13	were	be	AUX
cjfa-30371	190	14	used	use	VERB
cjfa-30371	190	15	to	to	PART
cjfa-30371	190	16	achieve	achieve	VERB
cjfa-30371	190	17	the	the	DET
cjfa-30371	190	18	specified	specified	ADJ
cjfa-30371	190	19	objectives	objective	NOUN
cjfa-30371	190	20	and	and	CCONJ
cjfa-30371	190	21	answer	answer	VERB
cjfa-30371	190	22	the	the	DET
cjfa-30371	190	23	hypothesized	hypothesized	ADJ
cjfa-30371	190	24	statements	statement	NOUN
cjfa-30371	190	25	.	.	PUNCT
cjfa-30371	191	1	table	table	NOUN
cjfa-30371	191	2	4	4	NUM
cjfa-30371	191	3	.	.	PUNCT
cjfa-30371	192	1	regression	regression	NOUN
cjfa-30371	192	2	output	output	NOUN
cjfa-30371	192	3	source	source	NOUN
cjfa-30371	192	4	:	:	PUNCT
cjfa-30371	192	5	own	own	ADJ
cjfa-30371	192	6	competition	competition	NOUN
cjfa-30371	192	7	,	,	PUNCT
cjfa-30371	192	8	2018	2018	NUM
cjfa-30371	192	9	.	.	PUNCT
cjfa-30371	193	1	regression	regression	NOUN
cjfa-30371	193	2	output	output	NOUN
cjfa-30371	193	3	the	the	DET
cjfa-30371	193	4	regression	regression	NOUN
cjfa-30371	193	5	model	model	NOUN
cjfa-30371	193	6	is	be	AUX
cjfa-30371	193	7	set	set	VERB
cjfa-30371	193	8	as	as	SCONJ
cjfa-30371	193	9	follows	follow	VERB
cjfa-30371	193	10	;	;	PUNCT
cjfa-30371	193	11	bs	bs	NOUN
cjfa-30371	193	12	1.0000	1.0000	NUM
cjfa-30371	193	13	bs	bs	PROPN
cjfa-30371	193	14	bs	bs	PROPN
cjfa-30371	193	15	-0.6976	-0.6976	NOUN
cjfa-30371	193	16	0.0196	0.0196	NUM
cjfa-30371	193	17	0.0655	0.0655	NUM
cjfa-30371	193	18	0.1931	0.1931	NUM
cjfa-30371	193	19	-0.3396	-0.3396	NOUN
cjfa-30371	194	1	0.6970	0.6970	NUM
cjfa-30371	194	2	-0.4573	-0.4573	NOUN
cjfa-30371	194	3	loandep	loandep	VERB
cjfa-30371	194	4	0.2721	0.2721	NUM
cjfa-30371	194	5	0.2563	0.2563	NUM
cjfa-30371	194	6	-0.1229	-0.1229	NOUN
cjfa-30371	194	7	0.1666	0.1666	NUM
cjfa-30371	194	8	0.1634	0.1634	NUM
cjfa-30371	194	9	-0.4815	-0.4815	NOUN
cjfa-30371	194	10	1.0000	1.0000	NUM
cjfa-30371	194	11	own	own	ADJ
cjfa-30371	194	12	-0.4293	-0.4293	NOUN
cjfa-30371	194	13	-0.0613	-0.0613	NOUN
cjfa-30371	194	14	-0.1037	-0.1037	PUNCT
cjfa-30371	194	15	-0.0000	-0.0000	PUNCT
cjfa-30371	194	16	-0.0000	-0.0000	PUNCT
cjfa-30371	195	1	1.0000	1.0000	NUM
cjfa-30371	195	2	gdp	gdp	NOUN
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cjfa-30371	195	7	1.0000	1.0000	NUM
cjfa-30371	195	8	hhi_ta	hhi_ta	NOUN
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cjfa-30371	195	10	-0.0178	-0.0178	NOUN
cjfa-30371	196	1	0.0577	0.0577	NUM
cjfa-30371	196	2	1.0000	1.0000	NUM
cjfa-30371	196	3	bmix	bmix	NOUN
cjfa-30371	196	4	-0.0906	-0.0906	VERB
cjfa-30371	196	5	0.0120	0.0120	NUM
cjfa-30371	196	6	1.0000	1.0000	NUM
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cjfa-30371	196	10	capta	capta	PROPN
cjfa-30371	196	11	1.0000	1.0000	NUM
cjfa-30371	196	12	capta	capta	NOUN
cjfa-30371	196	13	gnexopin	gnexopin	NOUN
cjfa-30371	196	14	bmix	bmix	VERB
cjfa-30371	196	15	hhi_ta	hhi_ta	VERB
cjfa-30371	197	1	gdp	gdp	NOUN
cjfa-30371	197	2	own	own	ADJ
cjfa-30371	197	3	loandep	loandep	ADV
cjfa-30371	197	4	_	_	VERB
cjfa-30371	197	5	cons	con	NOUN
cjfa-30371	197	6	-.0228835	-.0228835	PUNCT
cjfa-30371	197	7	.027418	.027418	NOUN
cjfa-30371	197	8	-0.83	-0.83	NOUN
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cjfa-30371	197	11	.0316697	.0316697	VERB
cjfa-30371	197	12	bs	bs	NOUN
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cjfa-30371	200	1	2.38	2.38	NUM
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cjfa-30371	200	3	.0035192	.0035192	PROPN
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cjfa-30371	200	12	gdp	gdp	NOUN
cjfa-30371	200	13	.0010893	.0010893	PROPN
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cjfa-30371	201	4	.0031013	.0031013	PROPN
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cjfa-30371	202	1	.0342972	.0342972	PROPN
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cjfa-30371	202	6	bmix	bmix	VERB
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cjfa-30371	204	1	.0717471	.0717471	DET
cjfa-30371	204	2	gnexopin	gnexopin	NOUN
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cjfa-30371	204	16	roa	roa	PROPN
cjfa-30371	204	17	coef	coef	PROPN
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cjfa-30371	205	1	std	std	NOUN
cjfa-30371	205	2	.	.	PUNCT
cjfa-30371	206	1	err	err	PROPN
cjfa-30371	206	2	.	.	PUNCT
cjfa-30371	207	1	t	t	PROPN
cjfa-30371	207	2	p>|t|	p>|t|	PROPN
cjfa-30371	208	1	[	[	X
cjfa-30371	208	2	95	95	NUM
cjfa-30371	208	3	%	%	NOUN
cjfa-30371	208	4	conf	conf	NOUN
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cjfa-30371	209	1	interval	interval	NOUN
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cjfa-30371	209	4	root	root	NOUN
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cjfa-30371	209	6	=	=	SYM
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cjfa-30371	210	4	squared	square	VERB
cjfa-30371	210	5	=	=	NOUN
cjfa-30371	210	6	0.5147	0.5147	NUM
cjfa-30371	210	7	prob	prob	NOUN
cjfa-30371	210	8	>	>	X
cjfa-30371	210	9	f	f	PROPN
cjfa-30371	211	1	=	=	SYM
cjfa-30371	211	2	0.0000	0.0000	NUM
cjfa-30371	211	3	f	f	X
cjfa-30371	211	4	(	(	PUNCT
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cjfa-30371	211	6	,	,	PUNCT
cjfa-30371	211	7	81	81	NUM
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cjfa-30371	211	9	=	=	SYM
cjfa-30371	211	10	5.88	5.88	NUM
cjfa-30371	211	11	linear	linear	NOUN
cjfa-30371	211	12	regression	regression	NOUN
cjfa-30371	211	13	number	number	NOUN
cjfa-30371	211	14	of	of	ADP
cjfa-30371	211	15	obs	obs	PROPN
cjfa-30371	211	16	=	=	PUNCT
cjfa-30371	212	1	90	90	NUM
cjfa-30371	212	2	s	s	NOUN
cjfa-30371	212	3	o	o	NOUN
cjfa-30371	212	4	u	u	NOUN
cjfa-30371	212	5	r	r	NOUN
cjfa-30371	212	6	c	c	NOUN
cjfa-30371	212	7	e	e	NOUN
cjfa-30371	212	8	:	:	PUNCT
cjfa-30371	212	9	own	own	ADJ
cjfa-30371	212	10	competition	competition	NOUN
cjfa-30371	212	11	,	,	PUNCT
cjfa-30371	212	12	2018	2018	NUM
cjfa-30371	212	13	.	.	PUNCT
cjfa-30371	213	1	regression	regression	NOUN
cjfa-30371	213	2	output	output	NOUN
cjfa-30371	213	3	the	the	DET
cjfa-30371	213	4	regression	regression	NOUN
cjfa-30371	213	5	model	model	NOUN
cjfa-30371	213	6	is	be	AUX
cjfa-30371	213	7	set	set	VERB
cjfa-30371	213	8	as	as	SCONJ
cjfa-30371	213	9	follows	follow	VERB
cjfa-30371	213	10	.	.	PUNCT
cjfa-30371	214	1	roa	roa	PROPN
cjfa-30371	214	2	=	=	PROPN
cjfa-30371	214	3	β0	β0	PROPN
cjfa-30371	214	4	+	+	CCONJ
cjfa-30371	214	5	(	(	PUNCT
cjfa-30371	214	6	β1	β1	PROPN
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cjfa-30371	214	8	capta	capta	PROPN
cjfa-30371	214	9	+	+	X
cjfa-30371	214	10	(	(	PUNCT
cjfa-30371	214	11	β2)gexopin	β2)gexopin	NOUN
cjfa-30371	214	12	+	+	CCONJ
cjfa-30371	214	13	(	(	PUNCT
cjfa-30371	214	14	β3	β3	ADJ
cjfa-30371	214	15	)	)	PUNCT
cjfa-30371	214	16	bmix	bmix	NOUN
cjfa-30371	214	17	+	+	CCONJ
cjfa-30371	214	18	(	(	PUNCT
cjfa-30371	214	19	β4	β4	PROPN
cjfa-30371	214	20	)	)	PUNCT
cjfa-30371	214	21	hhi_ta	hhi_ta	X
cjfa-30371	215	1	+	+	CCONJ
cjfa-30371	215	2	(	(	PUNCT
cjfa-30371	215	3	β5	β5	NOUN
cjfa-30371	215	4	)	)	PUNCT
cjfa-30371	215	5	loandep	loandep	ADV
cjfa-30371	216	1	+	+	CCONJ
cjfa-30371	216	2	(	(	PUNCT
cjfa-30371	216	3	β6	β6	PROPN
cjfa-30371	216	4	)	)	PUNCT
cjfa-30371	216	5	bs+	bs+	NOUN
cjfa-30371	216	6	(	(	PUNCT
cjfa-30371	216	7	β7	β7	ADJ
cjfa-30371	216	8	)	)	PUNCT
cjfa-30371	216	9	own+	own+	NOUN
cjfa-30371	216	10	(	(	PUNCT
cjfa-30371	216	11	β8	β8	NOUN
cjfa-30371	216	12	)	)	PUNCT
cjfa-30371	216	13	gdp+	gdp+	NOUN
cjfa-30371	216	14	e	e	X
cjfa-30371	216	15	(	(	PUNCT
cjfa-30371	216	16	2	2	NUM
cjfa-30371	216	17	)	)	PUNCT
cjfa-30371	216	18	muktar	muktar	NOUN
cjfa-30371	216	19	abdela	abdela	PROPN
cjfa-30371	216	20	shifa	shifa	PROPN
cjfa-30371	216	21	,	,	PUNCT
cjfa-30371	216	22	kenenisa	kenenisa	NOUN
cjfa-30371	216	23	lemmi	lemmi	PROPN
cjfa-30371	216	24	debela	debela	PROPN
cjfa-30371	216	25	,	,	PUNCT
cjfa-30371	216	26	endalew	endalew	NOUN
cjfa-30371	216	27	gutu	gutu	PROPN
cjfa-30371	216	28	tarfa198	tarfa198	PROPN
cjfa-30371	216	29	the	the	DET
cjfa-30371	216	30	regression	regression	NOUN
cjfa-30371	216	31	output	output	NOUN
cjfa-30371	216	32	implies	imply	VERB
cjfa-30371	216	33	that	that	SCONJ
cjfa-30371	216	34	all	all	DET
cjfa-30371	216	35	bank	bank	NOUN
cjfa-30371	216	36	specific	specific	ADJ
cjfa-30371	216	37	determinants	determinant	NOUN
cjfa-30371	216	38	,	,	PUNCT
cjfa-30371	216	39	business	business	NOUN
cjfa-30371	216	40	mix	mix	NOUN
cjfa-30371	216	41	,	,	PUNCT
cjfa-30371	216	42	loan	loan	NOUN
cjfa-30371	216	43	to	to	PART
cjfa-30371	216	44	deposit	deposit	VERB
cjfa-30371	216	45	ratio	ratio	NOUN
cjfa-30371	216	46	and	and	CCONJ
cjfa-30371	216	47	banks	bank	NOUN
cjfa-30371	216	48	size	size	NOUN
cjfa-30371	216	49	have	have	VERB
cjfa-30371	216	50	a	a	DET
cjfa-30371	216	51	significant	significant	ADJ
cjfa-30371	216	52	positive	positive	ADJ
cjfa-30371	216	53	impact	impact	NOUN
cjfa-30371	216	54	,	,	PUNCT
cjfa-30371	216	55	whereas	whereas	SCONJ
cjfa-30371	216	56	capital	capital	NOUN
cjfa-30371	216	57	to	to	PART
cjfa-30371	216	58	total	total	VERB
cjfa-30371	216	59	asset	asset	NOUN
cjfa-30371	216	60	and	and	CCONJ
cjfa-30371	216	61	general	general	ADJ
cjfa-30371	216	62	expense	expense	NOUN
cjfa-30371	216	63	to	to	ADP
cjfa-30371	216	64	total	total	ADJ
cjfa-30371	216	65	operating	operating	NOUN
cjfa-30371	216	66	income	income	NOUN
cjfa-30371	216	67	have	have	VERB
cjfa-30371	216	68	negative	negative	ADJ
cjfa-30371	216	69	impact	impact	NOUN
cjfa-30371	216	70	on	on	ADP
cjfa-30371	216	71	roa	roa	PROPN
cjfa-30371	216	72	.	.	PUNCT
cjfa-30371	217	1	in	in	ADP
cjfa-30371	217	2	addition	addition	NOUN
cjfa-30371	217	3	from	from	ADP
cjfa-30371	217	4	the	the	DET
cjfa-30371	217	5	external	external	ADJ
cjfa-30371	217	6	determinants	determinant	NOUN
cjfa-30371	217	7	bank	bank	NOUN
cjfa-30371	217	8	concentration	concentration	NOUN
cjfa-30371	217	9	and	and	CCONJ
cjfa-30371	217	10	gdp	gdp	NOUN
cjfa-30371	217	11	growth	growth	NOUN
cjfa-30371	217	12	rates	rate	NOUN
cjfa-30371	217	13	have	have	VERB
cjfa-30371	217	14	a	a	DET
cjfa-30371	217	15	positive	positive	ADJ
cjfa-30371	217	16	insignificant	insignificant	ADJ
cjfa-30371	217	17	impact	impact	NOUN
cjfa-30371	217	18	,	,	PUNCT
cjfa-30371	217	19	whereas	whereas	SCONJ
cjfa-30371	217	20	ownership	ownership	NOUN
cjfa-30371	217	21	by	by	ADP
cjfa-30371	217	22	the	the	DET
cjfa-30371	217	23	government	government	NOUN
cjfa-30371	217	24	has	have	VERB
cjfa-30371	217	25	a	a	DET
cjfa-30371	217	26	significant	significant	ADJ
cjfa-30371	217	27	negative	negative	ADJ
cjfa-30371	217	28	impact	impact	NOUN
cjfa-30371	217	29	on	on	ADP
cjfa-30371	217	30	roa	roa	PROPN
cjfa-30371	217	31	of	of	ADP
cjfa-30371	217	32	commercial	commercial	ADJ
cjfa-30371	217	33	banks	bank	NOUN
cjfa-30371	217	34	in	in	ADP
cjfa-30371	217	35	ethiopia	ethiopia	PROPN
cjfa-30371	217	36	.	.	PUNCT
cjfa-30371	218	1	gdp	gdp	NOUN
cjfa-30371	218	2	is	be	AUX
cjfa-30371	218	3	one	one	NUM
cjfa-30371	218	4	among	among	ADP
cjfa-30371	218	5	the	the	DET
cjfa-30371	218	6	macroeconomic	macroeconomic	ADJ
cjfa-30371	218	7	factors	factor	NOUN
cjfa-30371	218	8	that	that	PRON
cjfa-30371	218	9	determine	determine	VERB
cjfa-30371	218	10	the	the	DET
cjfa-30371	218	11	profitability	profitability	NOUN
cjfa-30371	218	12	of	of	ADP
cjfa-30371	218	13	commercial	commercial	ADJ
cjfa-30371	218	14	banks	bank	NOUN
cjfa-30371	218	15	.	.	PUNCT
cjfa-30371	218	16	 	 	SPACE
cjfa-30371	219	1	conclusion	conclusion	NOUN
cjfa-30371	219	2	the	the	DET
cjfa-30371	219	3	general	general	ADJ
cjfa-30371	219	4	objective	objective	NOUN
cjfa-30371	219	5	of	of	ADP
cjfa-30371	219	6	the	the	DET
cjfa-30371	219	7	study	study	NOUN
cjfa-30371	219	8	is	be	AUX
cjfa-30371	219	9	to	to	PART
cjfa-30371	219	10	analyze	analyze	VERB
cjfa-30371	219	11	the	the	DET
cjfa-30371	219	12	determinants	determinant	NOUN
cjfa-30371	219	13	of	of	ADP
cjfa-30371	219	14	the	the	DET
cjfa-30371	219	15	profitability	profitability	NOUN
cjfa-30371	219	16	of	of	ADP
cjfa-30371	219	17	commercial	commercial	ADJ
cjfa-30371	219	18	banks	bank	NOUN
cjfa-30371	219	19	in	in	ADP
cjfa-30371	219	20	ethiopia	ethiopia	PROPN
cjfa-30371	219	21	.	.	PUNCT
cjfa-30371	220	1	to	to	PART
cjfa-30371	220	2	achieve	achieve	VERB
cjfa-30371	220	3	this	this	DET
cjfa-30371	220	4	goal	goal	NOUN
cjfa-30371	220	5	internal	internal	ADJ
cjfa-30371	220	6	determinants	determinant	NOUN
cjfa-30371	220	7	;	;	PUNCT
cjfa-30371	220	8	business	business	NOUN
cjfa-30371	220	9	mix	mix	NOUN
cjfa-30371	220	10	indicators	indicator	NOUN
cjfa-30371	220	11	,	,	PUNCT
cjfa-30371	220	12	risk	risk	NOUN
cjfa-30371	220	13	aversion	aversion	NOUN
cjfa-30371	220	14	index	index	NOUN
cjfa-30371	220	15	,	,	PUNCT
cjfa-30371	220	16	management	management	NOUN
cjfa-30371	220	17	efficiency	efficiency	NOUN
cjfa-30371	220	18	,	,	PUNCT
cjfa-30371	220	19	liquidity	liquidity	NOUN
cjfa-30371	220	20	risk	risk	NOUN
cjfa-30371	220	21	,	,	PUNCT
cjfa-30371	220	22	bank	bank	NOUN
cjfa-30371	220	23	size	size	NOUN
cjfa-30371	220	24	,	,	PUNCT
cjfa-30371	220	25	and	and	CCONJ
cjfa-30371	220	26	external	external	ADJ
cjfa-30371	220	27	determinants	determinant	NOUN
cjfa-30371	220	28	;	;	PUNCT
cjfa-30371	220	29	ownership	ownership	NOUN
cjfa-30371	220	30	,	,	PUNCT
cjfa-30371	220	31	market	market	NOUN
cjfa-30371	220	32	concentration	concentration	NOUN
cjfa-30371	220	33	,	,	PUNCT
cjfa-30371	220	34	and	and	CCONJ
cjfa-30371	220	35	gdp	gdp	NOUN
cjfa-30371	220	36	,	,	PUNCT
cjfa-30371	220	37	are	be	AUX
cjfa-30371	220	38	regressed	regress	VERB
cjfa-30371	220	39	against	against	ADP
cjfa-30371	220	40	return	return	NOUN
cjfa-30371	220	41	on	on	ADP
cjfa-30371	220	42	asset	asset	NOUN
cjfa-30371	220	43	.	.	PUNCT
cjfa-30371	221	1	a	a	DET
cjfa-30371	221	2	panel	panel	NOUN
cjfa-30371	221	3	data	datum	NOUN
cjfa-30371	221	4	of	of	ADP
cjfa-30371	221	5	ten	ten	NUM
cjfa-30371	221	6	years	year	NOUN
cjfa-30371	221	7	from	from	ADP
cjfa-30371	221	8	the	the	DET
cjfa-30371	221	9	sampled	sampled	ADJ
cjfa-30371	221	10	nine	nine	NUM
cjfa-30371	221	11	banks	bank	NOUN
cjfa-30371	221	12	were	be	AUX
cjfa-30371	221	13	used	use	VERB
cjfa-30371	221	14	to	to	PART
cjfa-30371	221	15	come	come	VERB
cjfa-30371	221	16	up	up	ADP
cjfa-30371	221	17	with	with	ADP
cjfa-30371	221	18	findings	finding	NOUN
cjfa-30371	221	19	.	.	PUNCT
cjfa-30371	222	1	the	the	DET
cjfa-30371	222	2	study	study	NOUN
cjfa-30371	222	3	results	result	NOUN
cjfa-30371	222	4	indicate	indicate	VERB
cjfa-30371	222	5	that	that	SCONJ
cjfa-30371	222	6	internal	internal	ADJ
cjfa-30371	222	7	determinants	determinant	NOUN
cjfa-30371	222	8	are	be	AUX
cjfa-30371	222	9	more	more	ADV
cjfa-30371	222	10	important	important	ADJ
cjfa-30371	222	11	and	and	CCONJ
cjfa-30371	222	12	strongly	strongly	ADV
cjfa-30371	222	13	determine	determine	VERB
cjfa-30371	222	14	the	the	DET
cjfa-30371	222	15	banks	bank	NOUN
cjfa-30371	222	16	’	'	PUNCT
cjfa-30371	222	17	profitability	profitability	NOUN
cjfa-30371	222	18	than	than	ADP
cjfa-30371	222	19	externals	external	NOUN
cjfa-30371	222	20	variables	variable	NOUN
cjfa-30371	222	21	.	.	PUNCT
cjfa-30371	223	1	thus	thus	ADV
cjfa-30371	223	2	business	business	NOUN
cjfa-30371	223	3	mix	mix	NOUN
cjfa-30371	223	4	indicators	indicator	NOUN
cjfa-30371	223	5	,	,	PUNCT
cjfa-30371	223	6	risk	risk	NOUN
cjfa-30371	223	7	aversion	aversion	NOUN
cjfa-30371	223	8	index	index	NOUN
cjfa-30371	223	9	,	,	PUNCT
cjfa-30371	223	10	management	management	NOUN
cjfa-30371	223	11	efficiency	efficiency	NOUN
cjfa-30371	223	12	,	,	PUNCT
cjfa-30371	223	13	liquidity	liquidity	NOUN
cjfa-30371	223	14	risk	risk	NOUN
cjfa-30371	223	15	and	and	CCONJ
cjfa-30371	223	16	bank	bank	NOUN
cjfa-30371	223	17	size	size	NOUN
cjfa-30371	223	18	has	have	VERB
cjfa-30371	223	19	a	a	DET
cjfa-30371	223	20	significant	significant	ADJ
cjfa-30371	223	21	effect	effect	NOUN
cjfa-30371	223	22	on	on	ADP
cjfa-30371	223	23	the	the	DET
cjfa-30371	223	24	return	return	NOUN
cjfa-30371	223	25	on	on	ADP
cjfa-30371	223	26	asset	asset	NOUN
cjfa-30371	223	27	,	,	PUNCT
cjfa-30371	223	28	whereas	whereas	SCONJ
cjfa-30371	223	29	except	except	SCONJ
cjfa-30371	223	30	ownership	ownership	NOUN
cjfa-30371	223	31	other	other	ADJ
cjfa-30371	223	32	external	external	ADJ
cjfa-30371	223	33	determinants	determinant	NOUN
cjfa-30371	223	34	,	,	PUNCT
cjfa-30371	223	35	i.e.	i.e.	X
cjfa-30371	223	36	market	market	NOUN
cjfa-30371	223	37	concentration	concentration	NOUN
cjfa-30371	223	38	and	and	CCONJ
cjfa-30371	223	39	gdp	gdp	NOUN
cjfa-30371	223	40	has	have	VERB
cjfa-30371	223	41	no	no	DET
cjfa-30371	223	42	significant	significant	ADJ
cjfa-30371	223	43	relationship	relationship	NOUN
cjfa-30371	223	44	to	to	PART
cjfa-30371	223	45	determine	determine	VERB
cjfa-30371	223	46	return	return	NOUN
cjfa-30371	223	47	on	on	ADP
cjfa-30371	223	48	asset	asset	NOUN
cjfa-30371	223	49	of	of	ADP
cjfa-30371	223	50	ethiopian	ethiopian	ADJ
cjfa-30371	223	51	commercial	commercial	ADJ
cjfa-30371	223	52	banks	bank	NOUN
cjfa-30371	223	53	.	.	PUNCT
cjfa-30371	224	1	recommendations	recommendation	NOUN
cjfa-30371	224	2	based	base	VERB
cjfa-30371	224	3	on	on	ADP
cjfa-30371	224	4	the	the	DET
cjfa-30371	224	5	above	above	ADJ
cjfa-30371	224	6	findings	finding	NOUN
cjfa-30371	224	7	the	the	DET
cjfa-30371	224	8	following	follow	VERB
cjfa-30371	224	9	recommendations	recommendation	NOUN
cjfa-30371	224	10	are	be	AUX
cjfa-30371	224	11	drawn	draw	VERB
cjfa-30371	224	12	.	.	PUNCT
cjfa-30371	225	1	■	■	PUNCT
cjfa-30371	225	2	since	since	SCONJ
cjfa-30371	225	3	capital	capital	NOUN
cjfa-30371	225	4	financing	financing	NOUN
cjfa-30371	225	5	is	be	AUX
cjfa-30371	225	6	found	find	VERB
cjfa-30371	225	7	relatively	relatively	ADV
cjfa-30371	225	8	costly	costly	ADJ
cjfa-30371	225	9	than	than	SCONJ
cjfa-30371	225	10	debt	debt	NOUN
cjfa-30371	225	11	financing	financing	NOUN
cjfa-30371	225	12	commercial	commercial	ADJ
cjfa-30371	225	13	banks	bank	NOUN
cjfa-30371	225	14	in	in	ADP
cjfa-30371	225	15	ethiopia	ethiopia	PROPN
cjfa-30371	225	16	should	should	AUX
cjfa-30371	225	17	emphasize	emphasize	VERB
cjfa-30371	225	18	more	more	ADV
cjfa-30371	225	19	on	on	ADP
cjfa-30371	225	20	mobilizing	mobilize	VERB
cjfa-30371	225	21	customer	customer	NOUN
cjfa-30371	225	22	deposits	deposit	NOUN
cjfa-30371	225	23	than	than	ADP
cjfa-30371	225	24	issuing	issue	VERB
cjfa-30371	225	25	equity	equity	NOUN
cjfa-30371	225	26	.	.	PUNCT
cjfa-30371	226	1	also	also	ADV
cjfa-30371	226	2	they	they	PRON
cjfa-30371	226	3	have	have	VERB
cjfa-30371	226	4	to	to	PART
cjfa-30371	226	5	render	render	VERB
cjfa-30371	226	6	as	as	ADV
cjfa-30371	226	7	much	much	ADJ
cjfa-30371	226	8	as	as	ADP
cjfa-30371	226	9	loans	loan	NOUN
cjfa-30371	226	10	from	from	ADP
cjfa-30371	226	11	the	the	DET
cjfa-30371	226	12	mobilized	mobilize	VERB
cjfa-30371	226	13	deposit	deposit	NOUN
cjfa-30371	226	14	in	in	ADP
cjfa-30371	226	15	order	order	NOUN
cjfa-30371	226	16	to	to	PART
cjfa-30371	226	17	utilize	utilize	VERB
cjfa-30371	226	18	generated	generate	VERB
cjfa-30371	226	19	customer	customer	NOUN
cjfa-30371	226	20	deposits	deposit	NOUN
cjfa-30371	226	21	.	.	PUNCT
cjfa-30371	227	1	but	but	CCONJ
cjfa-30371	227	2	due	due	ADJ
cjfa-30371	227	3	care	care	NOUN
cjfa-30371	227	4	have	have	VERB
cjfa-30371	227	5	to	to	PART
cjfa-30371	227	6	be	be	AUX
cjfa-30371	227	7	taken	take	VERB
cjfa-30371	227	8	on	on	ADP
cjfa-30371	227	9	both	both	PRON
cjfa-30371	227	10	(	(	PUNCT
cjfa-30371	227	11	deposit	deposit	NOUN
cjfa-30371	227	12	and	and	CCONJ
cjfa-30371	227	13	loan	loan	NOUN
cjfa-30371	227	14	)	)	PUNCT
cjfa-30371	227	15	sides	side	NOUN
cjfa-30371	227	16	for	for	ADP
cjfa-30371	227	17	optimal	optimal	ADJ
cjfa-30371	227	18	limits	limit	NOUN
cjfa-30371	227	19	so	so	SCONJ
cjfa-30371	227	20	as	as	SCONJ
cjfa-30371	227	21	to	to	PART
cjfa-30371	227	22	balance	balance	VERB
cjfa-30371	227	23	their	their	PRON
cjfa-30371	227	24	risk	risk	NOUN
cjfa-30371	227	25	taking	take	VERB
cjfa-30371	227	26	capabilities	capability	NOUN
cjfa-30371	227	27	.	.	PUNCT
cjfa-30371	228	1	determinants	determinant	NOUN
cjfa-30371	228	2	of	of	ADP
cjfa-30371	228	3	the	the	DET
cjfa-30371	228	4	profitability	profitability	NOUN
cjfa-30371	228	5	of	of	ADP
cjfa-30371	228	6	commercial	commercial	ADJ
cjfa-30371	228	7	banks	bank	NOUN
cjfa-30371	228	8	in	in	ADP
cjfa-30371	228	9	ethiopia	ethiopia	PROPN
cjfa-30371	228	10	199	199	NUM
cjfa-30371	228	11	■	■	NOUN
cjfa-30371	228	12	it	it	PRON
cjfa-30371	228	13	is	be	AUX
cjfa-30371	228	14	recommended	recommend	VERB
cjfa-30371	228	15	for	for	SCONJ
cjfa-30371	228	16	ethiopian	ethiopian	ADJ
cjfa-30371	228	17	commercial	commercial	ADJ
cjfa-30371	228	18	banks	bank	NOUN
cjfa-30371	228	19	to	to	PART
cjfa-30371	228	20	expand	expand	VERB
cjfa-30371	228	21	the	the	DET
cjfa-30371	228	22	existing	exist	VERB
cjfa-30371	228	23	,	,	PUNCT
cjfa-30371	228	24	and	and	CCONJ
cjfa-30371	228	25	bring	bring	VERB
cjfa-30371	228	26	new	new	ADJ
cjfa-30371	228	27	innovative	innovative	ADJ
cjfa-30371	228	28	value	value	NOUN
cjfa-30371	228	29	added	add	VERB
cjfa-30371	228	30	services	service	NOUN
cjfa-30371	228	31	which	which	PRON
cjfa-30371	228	32	generates	generate	VERB
cjfa-30371	228	33	additional	additional	ADJ
cjfa-30371	228	34	business	business	NOUN
cjfa-30371	228	35	mixes	mix	VERB
cjfa-30371	228	36	beside	beside	ADP
cjfa-30371	228	37	their	their	PRON
cjfa-30371	228	38	normal	normal	ADJ
cjfa-30371	228	39	operation	operation	NOUN
cjfa-30371	228	40	.	.	PUNCT
cjfa-30371	229	1	■	■	PUNCT
cjfa-30371	229	2	it	it	PRON
cjfa-30371	229	3	is	be	AUX
cjfa-30371	229	4	advisable	advisable	ADJ
cjfa-30371	229	5	for	for	SCONJ
cjfa-30371	229	6	ethiopian	ethiopian	ADJ
cjfa-30371	229	7	commercial	commercial	ADJ
cjfa-30371	229	8	banks	bank	NOUN
cjfa-30371	229	9	to	to	PART
cjfa-30371	229	10	expand	expand	VERB
cjfa-30371	229	11	in	in	ADP
cjfa-30371	229	12	size	size	NOUN
cjfa-30371	229	13	.	.	PUNCT
cjfa-30371	230	1	because	because	SCONJ
cjfa-30371	230	2	,	,	PUNCT
cjfa-30371	230	3	as	as	SCONJ
cjfa-30371	230	4	the	the	DET
cjfa-30371	230	5	size	size	NOUN
cjfa-30371	230	6	of	of	ADP
cjfa-30371	230	7	the	the	DET
cjfa-30371	230	8	banks	bank	NOUN
cjfa-30371	230	9	increases	increase	VERB
cjfa-30371	230	10	their	their	PRON
cjfa-30371	230	11	profitability	profitability	NOUN
cjfa-30371	230	12	also	also	ADV
cjfa-30371	230	13	increases	increase	VERB
cjfa-30371	230	14	.	.	PUNCT
cjfa-30371	231	1	currently	currently	ADV
cjfa-30371	231	2	national	national	PROPN
cjfa-30371	231	3	bank	bank	PROPN
cjfa-30371	231	4	of	of	ADP
cjfa-30371	231	5	ethiopia	ethiopia	PROPN
cjfa-30371	231	6	also	also	ADV
cjfa-30371	231	7	influencing	influence	VERB
cjfa-30371	231	8	existing	exist	VERB
cjfa-30371	231	9	private	private	ADJ
cjfa-30371	231	10	banks	bank	NOUN
cjfa-30371	231	11	to	to	PART
cjfa-30371	231	12	expand	expand	VERB
cjfa-30371	231	13	their	their	PRON
cjfa-30371	231	14	capital	capital	NOUN
cjfa-30371	231	15	and	and	CCONJ
cjfa-30371	231	16	branches	branch	NOUN
cjfa-30371	231	17	.	.	PUNCT
cjfa-30371	232	1	■	■	PUNCT
cjfa-30371	232	2	managers	manager	NOUN
cjfa-30371	232	3	should	should	AUX
cjfa-30371	232	4	focus	focus	VERB
cjfa-30371	232	5	on	on	ADP
cjfa-30371	232	6	minimization	minimization	NOUN
cjfa-30371	232	7	and	and	CCONJ
cjfa-30371	232	8	efficient	efficient	ADJ
cjfa-30371	232	9	utilization	utilization	NOUN
cjfa-30371	232	10	of	of	ADP
cjfa-30371	232	11	general	general	ADJ
cjfa-30371	232	12	expenses	expense	NOUN
cjfa-30371	232	13	in	in	ADP
cjfa-30371	232	14	order	order	NOUN
cjfa-30371	232	15	to	to	PART
cjfa-30371	232	16	generate	generate	VERB
cjfa-30371	232	17	as	as	ADV
cjfa-30371	232	18	much	much	ADJ
cjfa-30371	232	19	operating	operating	NOUN
cjfa-30371	232	20	income	income	NOUN
cjfa-30371	232	21	and	and	CCONJ
cjfa-30371	232	22	boost	boost	VERB
cjfa-30371	232	23	the	the	DET
cjfa-30371	232	24	profitability	profitability	NOUN
cjfa-30371	232	25	of	of	ADP
cjfa-30371	232	26	commercial	commercial	ADJ
cjfa-30371	232	27	banks	bank	NOUN
cjfa-30371	232	28	in	in	ADP
cjfa-30371	232	29	ethiopia	ethiopia	PROPN
cjfa-30371	232	30	.	.	PUNCT
cjfa-30371	232	31	 	 	SPACE
cjfa-30371	233	1	references	reference	NOUN
cjfa-30371	233	2	abebaw	abebaw	PROPN
cjfa-30371	233	3	,	,	PUNCT
cjfa-30371	233	4	k.	k.	PROPN
cjfa-30371	233	5	,	,	PUNCT
cjfa-30371	233	6	&	&	CCONJ
cjfa-30371	233	7	kapur	kapur	PROPN
cjfa-30371	233	8	,	,	PUNCT
cjfa-30371	233	9	d.	d.	PROPN
cjfa-30371	233	10	(	(	PUNCT
cjfa-30371	233	11	2011	2011	NUM
cjfa-30371	233	12	)	)	PUNCT
cjfa-30371	233	13	.	.	PUNCT
cjfa-30371	234	1	what	what	PRON
cjfa-30371	234	2	drives	drive	VERB
cjfa-30371	234	3	the	the	DET
cjfa-30371	234	4	performance	performance	NOUN
cjfa-30371	234	5	of	of	ADP
cjfa-30371	234	6	commercial	commercial	ADJ
cjfa-30371	234	7	banks	bank	NOUN
cjfa-30371	234	8	in	in	ADP
cjfa-30371	234	9	ethiopia	ethiopia	PROPN
cjfa-30371	234	10	?	?	PUNCT
cjfa-30371	235	1	journal	journal	PROPN
cjfa-30371	235	2	of	of	ADP
cjfa-30371	235	3	research	research	NOUN
cjfa-30371	235	4	in	in	ADP
cjfa-30371	235	5	commerce	commerce	NOUN
cjfa-30371	235	6	and	and	CCONJ
cjfa-30371	235	7	management	management	NOUN
cjfa-30371	235	8	,	,	PUNCT
cjfa-30371	235	9	2(7	2(7	NUM
cjfa-30371	235	10	)	)	PUNCT
cjfa-30371	235	11	,	,	PUNCT
cjfa-30371	235	12	38	38	NUM
cjfa-30371	235	13	-	-	SYM
cjfa-30371	235	14	43	43	NUM
cjfa-30371	235	15	.	.	PUNCT
cjfa-30371	236	1	abor	abor	PROPN
cjfa-30371	236	2	,	,	PUNCT
cjfa-30371	236	3	j.	j.	PROPN
cjfa-30371	236	4	(	(	PUNCT
cjfa-30371	236	5	2007	2007	NUM
cjfa-30371	236	6	)	)	PUNCT
cjfa-30371	236	7	.	.	PUNCT
cjfa-30371	237	1	industry	industry	NOUN
cjfa-30371	237	2	classification	classification	NOUN
cjfa-30371	237	3	and	and	CCONJ
cjfa-30371	237	4	the	the	DET
cjfa-30371	237	5	capital	capital	NOUN
cjfa-30371	237	6	structure	structure	NOUN
cjfa-30371	237	7	of	of	ADP
cjfa-30371	237	8	ghanaiansmes	ghanaiansme	NOUN
cjfa-30371	237	9	.	.	PUNCT
cjfa-30371	238	1	studies	study	NOUN
cjfa-30371	238	2	in	in	ADP
cjfa-30371	238	3	economics	economic	NOUN
cjfa-30371	238	4	and	and	CCONJ
cjfa-30371	238	5	finance	finance	NOUN
cjfa-30371	238	6	,	,	PUNCT
cjfa-30371	238	7	24(3	24(3	NUM
cjfa-30371	238	8	)	)	PUNCT
cjfa-30371	238	9	,	,	PUNCT
cjfa-30371	238	10	207	207	NUM
cjfa-30371	238	11	-	-	SYM
cjfa-30371	238	12	219	219	NUM
cjfa-30371	238	13	.	.	PUNCT
cjfa-30371	239	1	http://dx.doi.org/10.1108/	http://dx.doi.org/10.1108/	NOUN
cjfa-30371	239	2	10867370710817392	10867370710817392	NUM
cjfa-30371	239	3	.	.	PUNCT
cjfa-30371	240	1	amdemikael	amdemikael	PROPN
cjfa-30371	240	2	,	,	PUNCT
cjfa-30371	240	3	a.	a.	NOUN
cjfa-30371	240	4	(	(	PUNCT
cjfa-30371	240	5	2012	2012	NUM
cjfa-30371	240	6	)	)	PUNCT
cjfa-30371	240	7	.	.	PUNCT
cjfa-30371	241	1	factors	factor	NOUN
cjfa-30371	241	2	affecting	affect	VERB
cjfa-30371	241	3	profitability	profitability	NOUN
cjfa-30371	241	4	of	of	ADP
cjfa-30371	241	5	ethiopian	ethiopian	ADJ
cjfa-30371	241	6	banking	banking	NOUN
cjfa-30371	241	7	industry	industry	NOUN
cjfa-30371	241	8	.	.	PUNCT
cjfa-30371	242	1	msc	msc	PROPN
cjfa-30371	242	2	thesis	thesis	PROPN
cjfa-30371	242	3	,	,	PUNCT
cjfa-30371	242	4	addis	addis	PROPN
cjfa-30371	242	5	ababa	ababa	PROPN
cjfa-30371	242	6	university	university	PROPN
cjfa-30371	242	7	.	.	PUNCT
cjfa-30371	243	1	athanasoglou	athanasoglou	PROPN
cjfa-30371	243	2	,	,	PUNCT
cjfa-30371	243	3	p.p	p.p	PROPN
cjfa-30371	243	4	.	.	PROPN
cjfa-30371	243	5	,	,	PUNCT
cjfa-30371	243	6	sophocles	sophocles	PROPN
cjfa-30371	243	7	,	,	PUNCT
cjfa-30371	243	8	n.b	n.b	PROPN
cjfa-30371	243	9	.	.	PROPN
cjfa-30371	243	10	,	,	PUNCT
cjfa-30371	243	11	&	&	CCONJ
cjfa-30371	243	12	delis	delis	PROPN
cjfa-30371	243	13	,	,	PUNCT
cjfa-30371	243	14	m.d	m.d	PROPN
cjfa-30371	243	15	.	.	PROPN
cjfa-30371	243	16	(	(	PUNCT
cjfa-30371	243	17	2008	2008	NUM
cjfa-30371	243	18	)	)	PUNCT
cjfa-30371	243	19	.	.	PUNCT
cjfa-30371	244	1	bank	bank	NOUN
cjfa-30371	244	2	-	-	PUNCT
cjfa-30371	244	3	specific	specific	ADJ
cjfa-30371	244	4	,	,	PUNCT
cjfa-30371	244	5	industry	industry	NOUN
cjfa-30371	244	6	specific	specific	ADJ
cjfa-30371	244	7	and	and	CCONJ
cjfa-30371	244	8	macroeconomic	macroeconomic	ADJ
cjfa-30371	244	9	determinants	determinant	NOUN
cjfa-30371	244	10	of	of	ADP
cjfa-30371	244	11	bank	bank	NOUN
cjfa-30371	244	12	profitability	profitability	NOUN
cjfa-30371	244	13	.	.	PUNCT
cjfa-30371	245	1	international	international	ADJ
cjfa-30371	245	2	financial	financial	ADJ
cjfa-30371	245	3	markets	market	NOUN
cjfa-30371	245	4	,	,	PUNCT
cjfa-30371	245	5	institutions	institution	NOUN
cjfa-30371	245	6	and	and	CCONJ
cjfa-30371	245	7	money	money	NOUN
cjfa-30371	245	8	,	,	PUNCT
cjfa-30371	245	9	18(2	18(2	NUM
cjfa-30371	245	10	)	)	PUNCT
cjfa-30371	245	11	,	,	PUNCT
cjfa-30371	245	12	121	121	NUM
cjfa-30371	245	13	-	-	SYM
cjfa-30371	245	14	136	136	NUM
cjfa-30371	245	15	.	.	PUNCT
cjfa-30371	246	1	demirguc	demirguc	PROPN
cjfa-30371	246	2	-	-	PUNCT
cjfa-30371	246	3	kunt	kunt	PROPN
cjfa-30371	246	4	,	,	PUNCT
cjfa-30371	246	5	a.	a.	PROPN
cjfa-30371	246	6	,	,	PUNCT
cjfa-30371	246	7	&	&	CCONJ
cjfa-30371	246	8	detragiache	detragiache	PROPN
cjfa-30371	246	9	,	,	PUNCT
cjfa-30371	246	10	e.	e.	PROPN
cjfa-30371	246	11	(	(	PUNCT
cjfa-30371	246	12	2000	2000	NUM
cjfa-30371	246	13	)	)	PUNCT
cjfa-30371	246	14	.	.	PUNCT
cjfa-30371	247	1	monitoring	monitor	VERB
cjfa-30371	247	2	banking	banking	NOUN
cjfa-30371	247	3	sector	sector	NOUN
cjfa-30371	247	4	fragility	fragility	NOUN
cjfa-30371	247	5	:	:	PUNCT
cjfa-30371	247	6	a	a	DET
cjfa-30371	247	7	multivariate	multivariate	NOUN
cjfa-30371	247	8	logit	logit	NOUN
cjfa-30371	247	9	approach	approach	NOUN
cjfa-30371	247	10	.	.	PUNCT
cjfa-30371	248	1	world	world	PROPN
cjfa-30371	248	2	bank	bank	PROPN
cjfa-30371	248	3	economic	economic	PROPN
cjfa-30371	248	4	review	review	PROPN
cjfa-30371	248	5	,	,	PUNCT
cjfa-30371	248	6	14(2	14(2	NUM
cjfa-30371	248	7	)	)	PUNCT
cjfa-30371	248	8	,	,	PUNCT
cjfa-30371	248	9	287	287	NUM
cjfa-30371	248	10	-	-	SYM
cjfa-30371	248	11	307	307	NUM
cjfa-30371	248	12	.	.	PUNCT
cjfa-30371	249	1	devis	devis	PROPN
cjfa-30371	249	2	,	,	PUNCT
cjfa-30371	249	3	e.p	e.p	PROPN
cjfa-30371	249	4	.	.	PROPN
cjfa-30371	249	5	(	(	PUNCT
cjfa-30371	249	6	1995	1995	NUM
cjfa-30371	249	7	)	)	PUNCT
cjfa-30371	249	8	.	.	PUNCT
cjfa-30371	250	1	debt	debt	NOUN
cjfa-30371	250	2	,	,	PUNCT
cjfa-30371	250	3	financial	financial	ADJ
cjfa-30371	250	4	fragility	fragility	NOUN
cjfa-30371	250	5	,	,	PUNCT
cjfa-30371	250	6	and	and	CCONJ
cjfa-30371	250	7	systemic	systemic	ADJ
cjfa-30371	250	8	risk	risk	NOUN
cjfa-30371	250	9	.	.	PUNCT
cjfa-30371	251	1	oxford	oxford	NOUN
cjfa-30371	251	2	:	:	PUNCT
cjfa-30371	251	3	oxford	oxford	PROPN
cjfa-30371	251	4	university	university	PROPN
cjfa-30371	251	5	press	press	NOUN
cjfa-30371	251	6	.	.	PUNCT
cjfa-30371	252	1	dietrich	dietrich	PROPN
cjfa-30371	252	2	,	,	PUNCT
cjfa-30371	252	3	a.	a.	PROPN
cjfa-30371	252	4	,	,	PUNCT
cjfa-30371	252	5	&	&	CCONJ
cjfa-30371	252	6	wanzenried	wanzenrie	VERB
cjfa-30371	252	7	,	,	PUNCT
cjfa-30371	252	8	g.	g.	PROPN
cjfa-30371	252	9	(	(	PUNCT
cjfa-30371	252	10	2009	2009	NUM
cjfa-30371	252	11	)	)	PUNCT
cjfa-30371	252	12	determinants	determinant	NOUN
cjfa-30371	252	13	of	of	ADP
cjfa-30371	252	14	bank	bank	NOUN
cjfa-30371	252	15	profitability	profitability	NOUN
cjfa-30371	252	16	before	before	ADP
cjfa-30371	252	17	and	and	CCONJ
cjfa-30371	252	18	during	during	ADP
cjfa-30371	252	19	the	the	DET
cjfa-30371	252	20	crisis	crisis	NOUN
cjfa-30371	252	21	:	:	PUNCT
cjfa-30371	252	22	evidence	evidence	NOUN
cjfa-30371	252	23	from	from	ADP
cjfa-30371	252	24	switzerland	switzerland	PROPN
cjfa-30371	252	25	.	.	PUNCT
cjfa-30371	253	1	https://ssrn.com/abstract=1370245	https://ssrn.com/abstract=1370245	PROPN
cjfa-30371	253	2	.	.	PUNCT
cjfa-30371	254	1	doan	doan	NOUN
cjfa-30371	254	2	,	,	PUNCT
cjfa-30371	254	3	a.-t	a.-t	NOUN
cjfa-30371	254	4	.	.	PUNCT
cjfa-30371	254	5	,	,	PUNCT
cjfa-30371	254	6	lin	lin	PROPN
cjfa-30371	254	7	,	,	PUNCT
cjfa-30371	254	8	k.-l	k.-l	PROPN
cjfa-30371	254	9	.	.	PUNCT
cjfa-30371	254	10	,	,	PUNCT
cjfa-30371	254	11	&	&	CCONJ
cjfa-30371	254	12	doong	doong	PROPN
cjfa-30371	254	13	,	,	PUNCT
cjfa-30371	254	14	s.-c	s.-c	NOUN
cjfa-30371	254	15	.	.	PUNCT
cjfa-30371	255	1	(	(	PUNCT
cjfa-30371	255	2	2018	2018	NUM
cjfa-30371	255	3	)	)	PUNCT
cjfa-30371	255	4	.	.	PUNCT
cjfa-30371	256	1	what	what	PRON
cjfa-30371	256	2	drives	drive	VERB
cjfa-30371	256	3	bank	bank	NOUN
cjfa-30371	256	4	efficiency	efficiency	NOUN
cjfa-30371	256	5	?	?	PUNCT
cjfa-30371	257	1	the	the	DET
cjfa-30371	257	2	interaction	interaction	NOUN
cjfa-30371	257	3	of	of	ADP
cjfa-30371	257	4	bank	bank	NOUN
cjfa-30371	257	5	income	income	NOUN
cjfa-30371	257	6	diversification	diversification	NOUN
cjfa-30371	257	7	and	and	CCONJ
cjfa-30371	257	8	ownership	ownership	NOUN
cjfa-30371	257	9	.	.	PUNCT
cjfa-30371	258	1	international	international	ADJ
cjfa-30371	258	2	review	review	NOUN
cjfa-30371	258	3	of	of	ADP
cjfa-30371	258	4	economics	economics	PROPN
cjfa-30371	258	5	&	&	CCONJ
cjfa-30371	258	6	finance	finance	PROPN
cjfa-30371	258	7	,	,	PUNCT
cjfa-30371	258	8	55	55	NUM
cjfa-30371	258	9	,	,	PUNCT
cjfa-30371	258	10	203	203	NUM
cjfa-30371	258	11	-	-	SYM
cjfa-30371	258	12	219	219	NUM
cjfa-30371	258	13	.	.	PUNCT
cjfa-30371	259	1	http://dx.doi.org/10.1016/j.iref.2017.07.019	http://dx.doi.org/10.1016/j.iref.2017.07.019	PROPN
cjfa-30371	259	2	.	.	PUNCT
cjfa-30371	260	1	ezike	ezike	ADJ
cjfa-30371	260	2	,	,	PUNCT
cjfa-30371	260	3	j.e	j.e	PROPN
cjfa-30371	260	4	.	.	PROPN
cjfa-30371	260	5	,	,	PUNCT
cjfa-30371	260	6	&	&	CCONJ
cjfa-30371	260	7	oke	oke	PROPN
cjfa-30371	260	8	m.o	m.o	PROPN
cjfa-30371	260	9	.	.	PROPN
cjfa-30371	261	1	(	(	PUNCT
cjfa-30371	261	2	2013	2013	NUM
cjfa-30371	261	3	)	)	PUNCT
cjfa-30371	261	4	.	.	PUNCT
cjfa-30371	262	1	capital	capital	NOUN
cjfa-30371	262	2	adequacy	adequacy	NOUN
cjfa-30371	262	3	standards	standard	NOUN
cjfa-30371	262	4	,	,	PUNCT
cjfa-30371	262	5	basel	basel	PROPN
cjfa-30371	262	6	accord	accord	NOUN
cjfa-30371	262	7	and	and	CCONJ
cjfa-30371	262	8	bank	bank	NOUN
cjfa-30371	262	9	performance	performance	NOUN
cjfa-30371	262	10	:	:	PUNCT
cjfa-30371	262	11	the	the	DET
cjfa-30371	262	12	nigerian	nigerian	ADJ
cjfa-30371	262	13	experience	experience	NOUN
cjfa-30371	262	14	(	(	PUNCT
cjfa-30371	262	15	a	a	DET
cjfa-30371	262	16	case	case	NOUN
cjfa-30371	262	17	study	study	NOUN
cjfa-30371	262	18	of	of	ADP
cjfa-30371	262	19	selected	select	VERB
cjfa-30371	262	20	banks	bank	NOUN
cjfa-30371	262	21	in	in	ADP
cjfa-30371	262	22	nigeria	nigeria	PROPN
cjfa-30371	262	23	)	)	PUNCT
cjfa-30371	262	24	.	.	PUNCT
cjfa-30371	263	1	asian	asian	ADJ
cjfa-30371	263	2	economic	economic	ADJ
cjfa-30371	263	3	and	and	CCONJ
cjfa-30371	263	4	financial	financial	ADJ
cjfa-30371	263	5	review	review	NOUN
cjfa-30371	263	6	,	,	PUNCT
cjfa-30371	263	7	3(2	3(2	NUM
cjfa-30371	263	8	)	)	PUNCT
cjfa-30371	263	9	,	,	PUNCT
cjfa-30371	263	10	146	146	NUM
cjfa-30371	263	11	-	-	SYM
cjfa-30371	263	12	159	159	NUM
cjfa-30371	263	13	.	.	PUNCT
cjfa-30371	264	1	goddard	goddard	PROPN
cjfa-30371	264	2	,	,	PUNCT
cjfa-30371	264	3	j.	j.	PROPN
cjfa-30371	264	4	,	,	PUNCT
cjfa-30371	264	5	molyneux	molyneux	PROPN
cjfa-30371	264	6	,	,	PUNCT
cjfa-30371	264	7	p.	p.	PROPN
cjfa-30371	264	8	,	,	PUNCT
cjfa-30371	264	9	&	&	CCONJ
cjfa-30371	264	10	wilson	wilson	PROPN
cjfa-30371	264	11	,	,	PUNCT
cjfa-30371	264	12	s.j	s.j	PROPN
cjfa-30371	264	13	.	.	PROPN
cjfa-30371	264	14	(	(	PUNCT
cjfa-30371	264	15	2004	2004	NUM
cjfa-30371	264	16	)	)	PUNCT
cjfa-30371	264	17	.	.	PUNCT
cjfa-30371	265	1	the	the	DET
cjfa-30371	265	2	profitability	profitability	NOUN
cjfa-30371	265	3	of	of	ADP
cjfa-30371	265	4	european	european	ADJ
cjfa-30371	265	5	banks	bank	NOUN
cjfa-30371	265	6	:	:	PUNCT
cjfa-30371	265	7	a	a	DET
cjfa-30371	265	8	cross	cross	ADJ
cjfa-30371	265	9	-	-	ADJ
cjfa-30371	265	10	sectional	sectional	ADJ
cjfa-30371	265	11	and	and	CCONJ
cjfa-30371	265	12	dynamic	dynamic	ADJ
cjfa-30371	265	13	panel	panel	NOUN
cjfa-30371	265	14	analysis	analysis	NOUN
cjfa-30371	265	15	.	.	PUNCT
cjfa-30371	266	1	the	the	DET
cjfa-30371	266	2	manchester	manchester	PROPN
cjfa-30371	266	3	school	school	PROPN
cjfa-30371	266	4	,	,	PUNCT
cjfa-30371	266	5	72(3	72(3	NUM
cjfa-30371	266	6	)	)	PUNCT
cjfa-30371	266	7	,	,	PUNCT
cjfa-30371	266	8	363	363	NUM
cjfa-30371	266	9	-381	-381	NOUN
cjfa-30371	266	10	.	.	PUNCT
cjfa-30371	267	1	http://dx.doi.org/	http://dx.doi.org/	NOUN
cjfa-30371	267	2	:	:	PUNCT
cjfa-30371	267	3	10.1111	10.1111	NUM
cjfa-30371	267	4	/	/	SYM
cjfa-30371	267	5	j.1467	j.1467	PROPN
cjfa-30371	267	6	-	-	PUNCT
cjfa-30371	267	7	9957.2004.00397.x	9957.2004.00397.x	NOUN
cjfa-30371	267	8	.	.	PUNCT
cjfa-30371	268	1	greuning	greune	VERB
cjfa-30371	268	2	,	,	PUNCT
cjfa-30371	268	3	h.	h.	PROPN
cjfa-30371	268	4	van	van	PROPN
cjfa-30371	268	5	,	,	PUNCT
cjfa-30371	268	6	&	&	CCONJ
cjfa-30371	268	7	bratanovic	bratanovic	ADJ
cjfa-30371	268	8	,	,	PUNCT
cjfa-30371	268	9	s.b	s.b	PROPN
cjfa-30371	268	10	.	.	PROPN
cjfa-30371	268	11	(	(	PUNCT
cjfa-30371	268	12	2009	2009	NUM
cjfa-30371	268	13	)	)	PUNCT
cjfa-30371	268	14	.	.	PUNCT
cjfa-30371	269	1	analyzing	analyze	VERB
cjfa-30371	269	2	banking	banking	NOUN
cjfa-30371	269	3	risk	risk	NOUN
cjfa-30371	269	4	a	a	DET
cjfa-30371	269	5	framework	framework	NOUN
cjfa-30371	269	6	for	for	ADP
cjfa-30371	269	7	assessing	assess	VERB
cjfa-30371	269	8	corporate	corporate	ADJ
cjfa-30371	269	9	governance	governance	NOUN
cjfa-30371	269	10	and	and	CCONJ
cjfa-30371	269	11	risk	risk	NOUN
cjfa-30371	269	12	management	management	NOUN
cjfa-30371	269	13	3rd	3rd	PROPN
cjfa-30371	269	14	edition	edition	NOUN
cjfa-30371	269	15	.	.	PUNCT
cjfa-30371	270	1	washington	washington	PROPN
cjfa-30371	270	2	:	:	PUNCT
cjfa-30371	270	3	the	the	DET
cjfa-30371	270	4	world	world	PROPN
cjfa-30371	270	5	bank	bank	PROPN
cjfa-30371	270	6	.	.	PUNCT
cjfa-30371	271	1	washington	washington	PROPN
cjfa-30371	271	2	.	.	PUNCT
cjfa-30371	271	3	muktar	muktar	PROPN
cjfa-30371	271	4	abdela	abdela	PROPN
cjfa-30371	271	5	shifa	shifa	PROPN
cjfa-30371	271	6	,	,	PUNCT
cjfa-30371	271	7	kenenisa	kenenisa	NOUN
cjfa-30371	271	8	lemmi	lemmi	PROPN
cjfa-30371	271	9	debela	debela	PROPN
cjfa-30371	271	10	,	,	PUNCT
cjfa-30371	271	11	endalew	endalew	NOUN
cjfa-30371	271	12	gutu	gutu	PROPN
cjfa-30371	271	13	tarfa200	tarfa200	PROPN
cjfa-30371	271	14	gujarati	gujarati	PROPN
cjfa-30371	271	15	,	,	PUNCT
cjfa-30371	271	16	d.	d.	PROPN
cjfa-30371	271	17	(	(	PUNCT
cjfa-30371	271	18	2004	2004	NUM
cjfa-30371	271	19	)	)	PUNCT
cjfa-30371	271	20	.	.	PUNCT
cjfa-30371	272	1	basic	basic	ADJ
cjfa-30371	272	2	econometrics	econometric	NOUN
cjfa-30371	272	3	(	(	PUNCT
cjfa-30371	272	4	4th	4th	ADJ
cjfa-30371	272	5	edition	edition	NOUN
cjfa-30371	272	6	ed	ed	NOUN
cjfa-30371	272	7	.	.	PUNCT
cjfa-30371	272	8	)	)	PUNCT
cjfa-30371	272	9	.	.	PUNCT
cjfa-30371	273	1	boston	boston	PROPN
cjfa-30371	273	2	:	:	PUNCT
cjfa-30371	273	3	mcgrawhill	mcgrawhill	PROPN
cjfa-30371	273	4	.	.	PUNCT
cjfa-30371	274	1	habtamu	habtamu	PROPN
cjfa-30371	274	2	,	,	PUNCT
cjfa-30371	274	3	n.	n.	PROPN
cjfa-30371	274	4	(	(	PUNCT
cjfa-30371	274	5	2012	2012	NUM
cjfa-30371	274	6	)	)	PUNCT
cjfa-30371	274	7	.	.	PUNCT
cjfa-30371	275	1	determinants	determinant	NOUN
cjfa-30371	275	2	of	of	ADP
cjfa-30371	275	3	bank	bank	NOUN
cjfa-30371	275	4	profitability	profitability	NOUN
cjfa-30371	275	5	:	:	PUNCT
cjfa-30371	275	6	an	an	DET
cjfa-30371	275	7	empirical	empirical	ADJ
cjfa-30371	275	8	study	study	NOUN
cjfa-30371	275	9	on	on	ADP
cjfa-30371	275	10	ethiopian	ethiopian	ADJ
cjfa-30371	275	11	private	private	ADJ
cjfa-30371	275	12	commercial	commercial	ADJ
cjfa-30371	275	13	banks	bank	NOUN
cjfa-30371	275	14	.	.	PUNCT
cjfa-30371	276	1	published	publish	VERB
cjfa-30371	276	2	thesis	thesis	NOUN
cjfa-30371	276	3	(	(	PUNCT
cjfa-30371	276	4	msc	msc	PROPN
cjfa-30371	276	5	)	)	PUNCT
cjfa-30371	276	6	,	,	PUNCT
cjfa-30371	276	7	addis	addis	PROPN
cjfa-30371	276	8	ababa	ababa	PROPN
cjfa-30371	276	9	university	university	PROPN
cjfa-30371	276	10	.	.	PUNCT
cjfa-30371	277	1	harald	harald	PROPN
cjfa-30371	277	2	,	,	PUNCT
cjfa-30371	277	3	f.	f.	PROPN
cjfa-30371	277	4	,	,	PUNCT
cjfa-30371	277	5	&	&	CCONJ
cjfa-30371	277	6	heiko	heiko	PROPN
cjfa-30371	277	7	,	,	PUNCT
cjfa-30371	277	8	h.	h.	PROPN
cjfa-30371	277	9	(	(	PUNCT
cjfa-30371	277	10	2009	2009	NUM
cjfa-30371	277	11	)	)	PUNCT
cjfa-30371	277	12	.	.	PUNCT
cjfa-30371	278	1	lebanon	lebanon	PROPN
cjfa-30371	278	2	-	-	PUNCT
cjfa-30371	278	3	determinants	determinant	NOUN
cjfa-30371	278	4	of	of	ADP
cjfa-30371	278	5	commercial	commercial	ADJ
cjfa-30371	278	6	banks	bank	NOUN
cjfa-30371	278	7	deposits	deposit	NOUN
cjfa-30371	278	8	in	in	ADP
cjfa-30371	278	9	a	a	DET
cjfa-30371	278	10	regional	regional	ADJ
cjfa-30371	278	11	financial	financial	ADJ
cjfa-30371	278	12	center	center	NOUN
cjfa-30371	278	13	.	.	PUNCT
cjfa-30371	279	1	imf	imf	PROPN
cjfa-30371	279	2	working	working	PROPN
cjfa-30371	279	3	paper	paper	PROPN
cjfa-30371	279	4	,	,	PUNCT
cjfa-30371	279	5	wp/09/195	wp/09/195	PROPN
cjfa-30371	279	6	.	.	PROPN
cjfa-30371	279	7	jagtain	jagtain	PROPN
cjfa-30371	279	8	,	,	PUNCT
cjfa-30371	279	9	j.	j.	PROPN
cjfa-30371	279	10	,	,	PUNCT
cjfa-30371	279	11	saunders	saunders	PROPN
cjfa-30371	279	12	,	,	PUNCT
cjfa-30371	279	13	a.	a.	PROPN
cjfa-30371	279	14	,	,	PUNCT
cjfa-30371	279	15	&	&	CCONJ
cjfa-30371	279	16	udell	udell	PROPN
cjfa-30371	279	17	,	,	PUNCT
cjfa-30371	279	18	g.	g.	PROPN
cjfa-30371	279	19	(	(	PUNCT
cjfa-30371	279	20	1995	1995	NUM
cjfa-30371	279	21	)	)	PUNCT
cjfa-30371	279	22	.	.	PUNCT
cjfa-30371	280	1	the	the	DET
cjfa-30371	280	2	effect	effect	NOUN
cjfa-30371	280	3	of	of	ADP
cjfa-30371	280	4	bank	bank	NOUN
cjfa-30371	280	5	capital	capital	NOUN
cjfa-30371	280	6	requirements	requirement	NOUN
cjfa-30371	280	7	on	on	ADP
cjfa-30371	280	8	bank	bank	NOUN
cjfa-30371	280	9	off	off	ADP
cjfa-30371	280	10	-	-	PUNCT
cjfa-30371	280	11	balance	balance	NOUN
cjfa-30371	280	12	sheet	sheet	NOUN
cjfa-30371	280	13	financial	financial	ADJ
cjfa-30371	280	14	innovations	innovation	NOUN
cjfa-30371	280	15	.	.	PUNCT
cjfa-30371	281	1	journal	journal	NOUN
cjfa-30371	281	2	of	of	ADP
cjfa-30371	281	3	banking	banking	NOUN
cjfa-30371	281	4	&	&	CCONJ
cjfa-30371	281	5	finance	finance	NOUN
cjfa-30371	281	6	,	,	PUNCT
cjfa-30371	281	7	19(3–4	19(3–4	NUM
cjfa-30371	281	8	)	)	PUNCT
cjfa-30371	281	9	.	.	PUNCT
cjfa-30371	282	1	https://doi.org/10.1016/0378-4266(94)00145-s	https://doi.org/10.1016/0378-4266(94)00145-s	PROPN
cjfa-30371	282	2	.	.	PUNCT
cjfa-30371	282	3	kosmidou	kosmidou	PROPN
cjfa-30371	282	4	,	,	PUNCT
cjfa-30371	282	5	k.	k.	PROPN
cjfa-30371	282	6	,	,	PUNCT
cjfa-30371	282	7	tanna	tanna	PROPN
cjfa-30371	282	8	,	,	PUNCT
cjfa-30371	282	9	s.	s.	PROPN
cjfa-30371	282	10	,	,	PUNCT
cjfa-30371	282	11	&	&	CCONJ
cjfa-30371	282	12	pasiouras	pasiouras	PROPN
cjfa-30371	282	13	,	,	PUNCT
cjfa-30371	282	14	f.	f.	PROPN
cjfa-30371	282	15	(	(	PUNCT
cjfa-30371	282	16	2008	2008	NUM
cjfa-30371	282	17	)	)	PUNCT
cjfa-30371	282	18	.	.	PUNCT
cjfa-30371	283	1	determinants	determinant	NOUN
cjfa-30371	283	2	of	of	ADP
cjfa-30371	283	3	profitability	profitability	NOUN
cjfa-30371	283	4	of	of	ADP
cjfa-30371	283	5	domestic	domestic	ADJ
cjfa-30371	283	6	uk	uk	PROPN
cjfa-30371	283	7	commercial	commercial	ADJ
cjfa-30371	283	8	banks	bank	NOUN
cjfa-30371	283	9	:	:	PUNCT
cjfa-30371	283	10	panel	panel	NOUN
cjfa-30371	283	11	evidence	evidence	NOUN
cjfa-30371	283	12	from	from	ADP
cjfa-30371	283	13	the	the	DET
cjfa-30371	283	14	period	period	NOUN
cjfa-30371	283	15	1995	1995	NUM
cjfa-30371	283	16	-	-	SYM
cjfa-30371	283	17	2002	2002	NUM
cjfa-30371	283	18	,	,	PUNCT
cjfa-30371	283	19	economics	economic	NOUN
cjfa-30371	283	20	,	,	PUNCT
cjfa-30371	283	21	finance	finance	NOUN
cjfa-30371	283	22	and	and	CCONJ
cjfa-30371	283	23	accounting	accounting	NOUN
cjfa-30371	283	24	applied	apply	VERB
cjfa-30371	283	25	research	research	NOUN
cjfa-30371	283	26	working	working	NOUN
cjfa-30371	283	27	paper	paper	NOUN
cjfa-30371	283	28	series	series	PROPN
cjfa-30371	283	29	no	no	INTJ
cjfa-30371	283	30	.	.	PUNCT
cjfa-30371	284	1	rp08	rp08	PROPN
cjfa-30371	284	2	-	-	PUNCT
cjfa-30371	284	3	4	4	PROPN
cjfa-30371	284	4	.	.	PUNCT
cjfa-30371	284	5	coventry	coventry	NOUN
cjfa-30371	284	6	:	:	PUNCT
cjfa-30371	284	7	coventry	coventry	PROPN
cjfa-30371	284	8	university	university	PROPN
cjfa-30371	284	9	.	.	PUNCT
cjfa-30371	285	1	million	million	NUM
cjfa-30371	285	2	,	,	PUNCT
cjfa-30371	285	3	g.	g.	PROPN
cjfa-30371	285	4	,	,	PUNCT
cjfa-30371	285	5	matewos	matewos	PROPN
cjfa-30371	285	6	,	,	PUNCT
cjfa-30371	285	7	k.	k.	PROPN
cjfa-30371	285	8	,	,	PUNCT
cjfa-30371	285	9	&	&	CCONJ
cjfa-30371	285	10	sujata	sujata	PROPN
cjfa-30371	285	11	,	,	PUNCT
cjfa-30371	285	12	s.	s.	PROPN
cjfa-30371	285	13	(	(	PUNCT
cjfa-30371	285	14	2014	2014	NUM
cjfa-30371	285	15	)	)	PUNCT
cjfa-30371	285	16	.	.	PUNCT
cjfa-30371	286	1	the	the	DET
cjfa-30371	286	2	impact	impact	NOUN
cjfa-30371	286	3	of	of	ADP
cjfa-30371	286	4	credit	credit	NOUN
cjfa-30371	286	5	risk	risk	NOUN
cjfa-30371	286	6	on	on	ADP
cjfa-30371	286	7	profitability	profitability	NOUN
cjfa-30371	286	8	performance	performance	NOUN
cjfa-30371	286	9	of	of	ADP
cjfa-30371	286	10	commercial	commercial	ADJ
cjfa-30371	286	11	banks	bank	NOUN
cjfa-30371	286	12	in	in	ADP
cjfa-30371	286	13	ethiopia	ethiopia	PROPN
cjfa-30371	286	14	.	.	PUNCT
cjfa-30371	287	1	african	african	ADJ
cjfa-30371	287	2	journal	journal	PROPN
cjfa-30371	287	3	of	of	ADP
cjfa-30371	287	4	business	business	NOUN
cjfa-30371	287	5	management	management	NOUN
cjfa-30371	287	6	,	,	PUNCT
cjfa-30371	287	7	9(2	9(2	NUM
cjfa-30371	287	8	)	)	PUNCT
cjfa-30371	287	9	,	,	PUNCT
cjfa-30371	287	10	59	59	NUM
cjfa-30371	287	11	-	-	SYM
cjfa-30371	287	12	66	66	NUM
cjfa-30371	287	13	.	.	PUNCT
cjfa-30371	288	1	http://dx.doi.org/10.5897/ajbm2013.7171	http://dx.doi.org/10.5897/ajbm2013.7171	PROPN
cjfa-30371	288	2	.	.	PUNCT
cjfa-30371	289	1	mishkin	mishkin	PROPN
cjfa-30371	289	2	,	,	PUNCT
cjfa-30371	289	3	f.s	f.s	PROPN
cjfa-30371	289	4	.	.	PROPN
cjfa-30371	289	5	,	,	PUNCT
cjfa-30371	289	6	&	&	CCONJ
cjfa-30371	289	7	eakins	eakins	PROPN
cjfa-30371	289	8	,	,	PUNCT
cjfa-30371	289	9	s.g	s.g	PROPN
cjfa-30371	289	10	.	.	PROPN
cjfa-30371	289	11	(	(	PUNCT
cjfa-30371	289	12	2012	2012	NUM
cjfa-30371	289	13	)	)	PUNCT
cjfa-30371	289	14	.	.	PUNCT
cjfa-30371	290	1	financial	financial	ADJ
cjfa-30371	290	2	markets	market	NOUN
cjfa-30371	290	3	and	and	CCONJ
cjfa-30371	290	4	institutions	institution	NOUN
cjfa-30371	290	5	seventh	seventh	PROPN
cjfa-30371	290	6	edition	edition	PROPN
cjfa-30371	290	7	.	.	PUNCT
cjfa-30371	291	1	the	the	DET
cjfa-30371	291	2	prentice	prentice	PROPN
cjfa-30371	291	3	hall	hall	PROPN
cjfa-30371	291	4	series	series	PROPN
cjfa-30371	291	5	in	in	ADP
cjfa-30371	291	6	finance	finance	NOUN
cjfa-30371	291	7	.	.	PUNCT
cjfa-30371	292	1	mulualem	mulualem	NOUN
cjfa-30371	292	2	,	,	PUNCT
cjfa-30371	292	3	g.	g.	PROPN
cjfa-30371	292	4	(	(	PUNCT
cjfa-30371	292	5	2015	2015	NUM
cjfa-30371	292	6	)	)	PUNCT
cjfa-30371	292	7	.	.	PUNCT
cjfa-30371	293	1	analyzing	analyze	VERB
cjfa-30371	293	2	financial	financial	ADJ
cjfa-30371	293	3	performance	performance	NOUN
cjfa-30371	293	4	of	of	ADP
cjfa-30371	293	5	commercial	commercial	ADJ
cjfa-30371	293	6	banks	bank	NOUN
cjfa-30371	293	7	in	in	ADP
cjfa-30371	293	8	ethiopia	ethiopia	PROPN
cjfa-30371	293	9	:	:	PUNCT
cjfa-30371	293	10	camel	camel	NOUN
cjfa-30371	293	11	approach	approach	NOUN
cjfa-30371	293	12	.	.	PUNCT
cjfa-30371	294	1	msc	msc	PROPN
cjfa-30371	294	2	thesis	thesis	PROPN
cjfa-30371	294	3	,	,	PUNCT
cjfa-30371	294	4	addis	addis	PROPN
cjfa-30371	294	5	ababa	ababa	PROPN
cjfa-30371	294	6	university	university	PROPN
cjfa-30371	294	7	.	.	PUNCT
cjfa-30371	295	1	nassreddine	nassreddine	PROPN
cjfa-30371	295	2	,	,	PUNCT
cjfa-30371	295	3	g.	g.	PROPN
cjfa-30371	295	4	,	,	PUNCT
cjfa-30371	295	5	fatman	fatman	PROPN
cjfa-30371	295	6	,	,	PUNCT
cjfa-30371	295	7	s.	s.	PROPN
cjfa-30371	295	8	,	,	PUNCT
cjfa-30371	295	9	&	&	CCONJ
cjfa-30371	295	10	anis	anis	PROPN
cjfa-30371	295	11	,	,	PUNCT
cjfa-30371	295	12	j.	j.	PROPN
cjfa-30371	295	13	(	(	PUNCT
cjfa-30371	295	14	2013	2013	NUM
cjfa-30371	295	15	)	)	PUNCT
cjfa-30371	295	16	.	.	PUNCT
cjfa-30371	296	1	determinants	determinant	NOUN
cjfa-30371	296	2	of	of	ADP
cjfa-30371	296	3	banks	bank	NOUN
cjfa-30371	296	4	performance	performance	NOUN
cjfa-30371	296	5	viewing	view	VERB
cjfa-30371	296	6	test	test	NOUN
cjfa-30371	296	7	by	by	ADP
cjfa-30371	296	8	cognitive	cognitive	ADJ
cjfa-30371	296	9	mapping	mapping	NOUN
cjfa-30371	296	10	technique	technique	NOUN
cjfa-30371	296	11	,	,	PUNCT
cjfa-30371	296	12	a	a	DET
cjfa-30371	296	13	case	case	NOUN
cjfa-30371	296	14	of	of	ADP
cjfa-30371	296	15	biat	biat	NOUN
cjfa-30371	296	16	.	.	PUNCT
cjfa-30371	297	1	international	international	ADJ
cjfa-30371	297	2	review	review	NOUN
cjfa-30371	297	3	of	of	ADP
cjfa-30371	297	4	management	management	NOUN
cjfa-30371	297	5	and	and	CCONJ
cjfa-30371	297	6	business	business	NOUN
cjfa-30371	297	7	research	research	NOUN
cjfa-30371	297	8	,	,	PUNCT
cjfa-30371	297	9	2(1	2(1	NUM
cjfa-30371	297	10	)	)	PUNCT
cjfa-30371	297	11	.	.	PUNCT
cjfa-30371	298	1	ongore	ongore	PROPN
cjfa-30371	298	2	,	,	PUNCT
cjfa-30371	298	3	v.o	v.o	PROPN
cjfa-30371	298	4	.	.	PROPN
cjfa-30371	298	5	,	,	PUNCT
cjfa-30371	298	6	&	&	CCONJ
cjfa-30371	298	7	kusa	kusa	PROPN
cjfa-30371	298	8	,	,	PUNCT
cjfa-30371	298	9	g.b	g.b	PROPN
cjfa-30371	298	10	(	(	PUNCT
cjfa-30371	298	11	2013	2013	NUM
cjfa-30371	298	12	)	)	PUNCT
cjfa-30371	298	13	.	.	PUNCT
cjfa-30371	299	1	determinants	determinant	NOUN
cjfa-30371	299	2	of	of	ADP
cjfa-30371	299	3	financial	financial	ADJ
cjfa-30371	299	4	performance	performance	NOUN
cjfa-30371	299	5	of	of	ADP
cjfa-30371	299	6	commercial	commercial	ADJ
cjfa-30371	299	7	banks	bank	NOUN
cjfa-30371	299	8	in	in	ADP
cjfa-30371	299	9	kenya	kenya	PROPN
cjfa-30371	299	10	.	.	PUNCT
cjfa-30371	300	1	international	international	ADJ
cjfa-30371	300	2	journal	journal	PROPN
cjfa-30371	300	3	of	of	ADP
cjfa-30371	300	4	economics	economic	NOUN
cjfa-30371	300	5	and	and	CCONJ
cjfa-30371	300	6	financial	financial	ADJ
cjfa-30371	300	7	issues	issue	NOUN
cjfa-30371	300	8	,	,	PUNCT
cjfa-30371	300	9	3(1	3(1	NUM
cjfa-30371	300	10	)	)	PUNCT
cjfa-30371	300	11	,	,	PUNCT
cjfa-30371	300	12	237	237	NUM
cjfa-30371	300	13	-	-	SYM
cjfa-30371	300	14	252	252	NUM
cjfa-30371	300	15	.	.	PUNCT
cjfa-30371	301	1	patria	patria	PROPN
cjfa-30371	301	2	,	,	PUNCT
cjfa-30371	301	3	n.	n.	NOUN
cjfa-30371	301	4	,	,	PUNCT
cjfa-30371	301	5	capraru	capraru	PROPN
cjfa-30371	301	6	,	,	PUNCT
cjfa-30371	301	7	b.	b.	PROPN
cjfa-30371	301	8	,	,	PUNCT
cjfa-30371	301	9	&	&	CCONJ
cjfa-30371	301	10	ihnatov	ihnatov	PROPN
cjfa-30371	301	11	,	,	PUNCT
cjfa-30371	301	12	i.	i.	PROPN
cjfa-30371	301	13	(	(	PUNCT
cjfa-30371	301	14	2015	2015	NUM
cjfa-30371	301	15	)	)	PUNCT
cjfa-30371	301	16	.	.	PUNCT
cjfa-30371	302	1	determinants	determinant	NOUN
cjfa-30371	302	2	of	of	ADP
cjfa-30371	302	3	banks	bank	NOUN
cjfa-30371	302	4	’	'	PUNCT
cjfa-30371	302	5	profitability	profitability	NOUN
cjfa-30371	302	6	:	:	PUNCT
cjfa-30371	302	7	evidence	evidence	NOUN
cjfa-30371	302	8	from	from	ADP
cjfa-30371	302	9	eu	eu	PROPN
cjfa-30371	302	10	27	27	NUM
cjfa-30371	302	11	banking	banking	NOUN
cjfa-30371	302	12	systems	system	NOUN
cjfa-30371	302	13	.	.	PUNCT
cjfa-30371	303	1	procedia	procedia	NOUN
cjfa-30371	303	2	economics	economic	NOUN
cjfa-30371	303	3	and	and	CCONJ
cjfa-30371	303	4	finance	finance	NOUN
cjfa-30371	303	5	,	,	PUNCT
cjfa-30371	303	6	20	20	NUM
cjfa-30371	303	7	,	,	PUNCT
cjfa-30371	303	8	518	518	NUM
cjfa-30371	303	9	-	-	SYM
cjfa-30371	303	10	524	524	NUM
cjfa-30371	303	11	.	.	PUNCT
cjfa-30371	303	12	podder	podder	NOUN
cjfa-30371	303	13	,	,	PUNCT
cjfa-30371	303	14	b.	b.	PROPN
cjfa-30371	303	15	(	(	PUNCT
cjfa-30371	303	16	2012	2012	NUM
cjfa-30371	303	17	)	)	PUNCT
cjfa-30371	303	18	.	.	PUNCT
cjfa-30371	304	1	determinants	determinant	NOUN
cjfa-30371	304	2	of	of	ADP
cjfa-30371	304	3	profitability	profitability	NOUN
cjfa-30371	304	4	of	of	ADP
cjfa-30371	304	5	private	private	ADJ
cjfa-30371	304	6	commercial	commercial	ADJ
cjfa-30371	304	7	banks	bank	NOUN
cjfa-30371	304	8	in	in	ADP
cjfa-30371	304	9	bangladesh	bangladesh	NOUN
cjfa-30371	304	10	:	:	PUNCT
cjfa-30371	304	11	an	an	DET
cjfa-30371	304	12	empirical	empirical	ADJ
cjfa-30371	304	13	study	study	NOUN
cjfa-30371	304	14	.	.	PUNCT
cjfa-30371	305	1	a	a	DET
cjfa-30371	305	2	thesis	thesis	NOUN
cjfa-30371	305	3	for	for	ADP
cjfa-30371	305	4	a	a	DET
cjfa-30371	305	5	professional	professional	ADJ
cjfa-30371	305	6	master	master	NOUN
cjfa-30371	305	7	in	in	ADP
cjfa-30371	305	8	banking	banking	NOUN
cjfa-30371	305	9	and	and	CCONJ
cjfa-30371	305	10	finance	finance	NOUN
cjfa-30371	305	11	,	,	PUNCT
cjfa-30371	305	12	asian	asian	PROPN
cjfa-30371	305	13	institute	institute	PROPN
cjfa-30371	305	14	of	of	ADP
cjfa-30371	305	15	technology	technology	PROPN
cjfa-30371	305	16	,	,	PUNCT
cjfa-30371	305	17	thailand	thailand	PROPN
cjfa-30371	305	18	.	.	PUNCT
cjfa-30371	306	1	praveen	praveen	PROPN
cjfa-30371	306	2	,	,	PUNCT
cjfa-30371	306	3	m.v	m.v	PROPN
cjfa-30371	306	4	.	.	PROPN
cjfa-30371	306	5	(	(	PUNCT
cjfa-30371	306	6	2011	2011	NUM
cjfa-30371	306	7	)	)	PUNCT
cjfa-30371	306	8	.	.	PUNCT
cjfa-30371	307	1	basics	basic	NOUN
cjfa-30371	307	2	of	of	ADP
cjfa-30371	307	3	banking	banking	NOUN
cjfa-30371	307	4	and	and	CCONJ
cjfa-30371	307	5	insurance	insurance	NOUN
cjfa-30371	307	6	.	.	PUNCT
cjfa-30371	308	1	malappuram	malappuram	NOUN
cjfa-30371	308	2	:	:	PUNCT
cjfa-30371	308	3	university	university	NOUN
cjfa-30371	308	4	of	of	ADP
cjfa-30371	308	5	calicut	calicut	PROPN
cjfa-30371	308	6	.	.	PUNCT
cjfa-30371	309	1	roland	roland	PROPN
cjfa-30371	309	2	,	,	PUNCT
cjfa-30371	309	3	c.	c.	PROPN
cjfa-30371	309	4	(	(	PUNCT
cjfa-30371	309	5	2011	2011	NUM
cjfa-30371	309	6	)	)	PUNCT
cjfa-30371	309	7	.	.	PUNCT
cjfa-30371	310	1	banking	banking	NOUN
cjfa-30371	310	2	sector	sector	NOUN
cjfa-30371	310	3	liberalization	liberalization	NOUN
cjfa-30371	310	4	in	in	ADP
cjfa-30371	310	5	india	india	PROPN
cjfa-30371	310	6	.	.	PUNCT
cjfa-30371	311	1	paper	paper	NOUN
cjfa-30371	311	2	prepared	prepare	VERB
cjfa-30371	311	3	for	for	ADP
cjfa-30371	311	4	“	"	PUNCT
cjfa-30371	311	5	ninth	ninth	ADJ
cjfa-30371	311	6	capital	capital	NOUN
cjfa-30371	311	7	markets	market	NOUN
cjfa-30371	311	8	conference	conference	NOUN
cjfa-30371	311	9	”	"	PUNCT
cjfa-30371	311	10	at	at	ADP
cjfa-30371	311	11	the	the	DET
cjfa-30371	311	12	indian	indian	PROPN
cjfa-30371	311	13	institute	institute	PROPN
cjfa-30371	311	14	of	of	ADP
cjfa-30371	311	15	capital	capital	PROPN
cjfa-30371	311	16	markets	market	NOUN
cjfa-30371	311	17	,	,	PUNCT
cjfa-30371	311	18	mumbai	mumbai	PROPN
cjfa-30371	311	19	.	.	PUNCT
cjfa-30371	312	1	samad	samad	PROPN
cjfa-30371	312	2	,	,	PUNCT
cjfa-30371	312	3	a.	a.	NOUN
cjfa-30371	312	4	(	(	PUNCT
cjfa-30371	312	5	2015	2015	NUM
cjfa-30371	312	6	)	)	PUNCT
cjfa-30371	312	7	.	.	PUNCT
cjfa-30371	313	1	determinants	determinant	NOUN
cjfa-30371	313	2	of	of	ADP
cjfa-30371	313	3	bank	bank	NOUN
cjfa-30371	313	4	profitability	profitability	NOUN
cjfa-30371	313	5	;	;	PUNCT
cjfa-30371	313	6	empirical	empirical	ADJ
cjfa-30371	313	7	evidence	evidence	NOUN
cjfa-30371	313	8	from	from	ADP
cjfa-30371	313	9	bangladesh	bangladesh	NOUN
cjfa-30371	313	10	banks	bank	NOUN
cjfa-30371	313	11	.	.	PUNCT
cjfa-30371	314	1	international	international	ADJ
cjfa-30371	314	2	journal	journal	PROPN
cjfa-30371	314	3	of	of	ADP
cjfa-30371	314	4	financial	financial	ADJ
cjfa-30371	314	5	research	research	NOUN
cjfa-30371	314	6	,	,	PUNCT
cjfa-30371	314	7	6(3	6(3	NUM
cjfa-30371	314	8	)	)	PUNCT
cjfa-30371	314	9	,	,	PUNCT
cjfa-30371	314	10	173	173	NUM
cjfa-30371	314	11	-	-	SYM
cjfa-30371	314	12	179	179	NUM
cjfa-30371	314	13	.	.	PUNCT
cjfa-30371	315	1	http://dx.doi	http://dx.doi	NOUN
cjfa-30371	315	2	.	.	PUNCT
cjfa-30371	316	1	org/10.5430	org/10.5430	PROPN
cjfa-30371	316	2	/	/	SYM
cjfa-30371	316	3	ijfr.v6n3p173	ijfr.v6n3p173	PROPN
cjfa-30371	316	4	.	.	PUNCT
cjfa-30371	317	1	simiyu	simiyu	PROPN
cjfa-30371	317	2	,	,	PUNCT
cjfa-30371	317	3	c.n	c.n	PROPN
cjfa-30371	317	4	,	,	PUNCT
cjfa-30371	317	5	&	&	CCONJ
cjfa-30371	317	6	ngile	ngile	PROPN
cjfa-30371	317	7	,	,	PUNCT
cjfa-30371	317	8	l.	l.	PROPN
cjfa-30371	317	9	(	(	PUNCT
cjfa-30371	317	10	2015	2015	NUM
cjfa-30371	317	11	)	)	PUNCT
cjfa-30371	317	12	.	.	PUNCT
cjfa-30371	318	1	effect	effect	NOUN
cjfa-30371	318	2	of	of	ADP
cjfa-30371	318	3	macroeconomic	macroeconomic	ADJ
cjfa-30371	318	4	variables	variable	NOUN
cjfa-30371	318	5	on	on	ADP
cjfa-30371	318	6	profitability	profitability	NOUN
cjfa-30371	318	7	of	of	ADP
cjfa-30371	318	8	commercial	commercial	ADJ
cjfa-30371	318	9	banks	bank	NOUN
cjfa-30371	318	10	listed	list	VERB
cjfa-30371	318	11	in	in	ADP
cjfa-30371	318	12	the	the	DET
cjfa-30371	318	13	nairobi	nairobi	PROPN
cjfa-30371	318	14	securities	securities	PROPN
cjfa-30371	318	15	exchange	exchange	PROPN
cjfa-30371	318	16	.	.	PUNCT
cjfa-30371	319	1	international	international	ADJ
cjfa-30371	319	2	journal	journal	PROPN
cjfa-30371	319	3	of	of	ADP
cjfa-30371	319	4	economics	economic	NOUN
cjfa-30371	319	5	,	,	PUNCT
cjfa-30371	319	6	commerce	commerce	NOUN
cjfa-30371	319	7	and	and	CCONJ
cjfa-30371	319	8	management	management	NOUN
cjfa-30371	319	9	,	,	PUNCT
cjfa-30371	319	10	3(4	3(4	NUM
cjfa-30371	319	11	)	)	PUNCT
cjfa-30371	319	12	,	,	PUNCT
cjfa-30371	319	13	1	1	NUM
cjfa-30371	319	14	-	-	SYM
cjfa-30371	319	15	16	16	NUM
cjfa-30371	319	16	.	.	PUNCT
cjfa-30371	320	1	tan	tan	PROPN
cjfa-30371	320	2	,	,	PUNCT
cjfa-30371	320	3	y.	y.	PROPN
cjfa-30371	320	4	,	,	PUNCT
cjfa-30371	320	5	&	&	CCONJ
cjfa-30371	320	6	floros	floros	PROPN
cjfa-30371	320	7	,	,	PUNCT
cjfa-30371	320	8	c.	c.	PROPN
cjfa-30371	320	9	(	(	PUNCT
cjfa-30371	320	10	2012	2012	NUM
cjfa-30371	320	11	)	)	PUNCT
cjfa-30371	320	12	.	.	PUNCT
cjfa-30371	321	1	bank	bank	NOUN
cjfa-30371	321	2	profitability	profitability	NOUN
cjfa-30371	321	3	and	and	CCONJ
cjfa-30371	321	4	inflation	inflation	NOUN
cjfa-30371	321	5	:	:	PUNCT
cjfa-30371	321	6	the	the	DET
cjfa-30371	321	7	case	case	NOUN
cjfa-30371	321	8	of	of	ADP
cjfa-30371	321	9	china	china	PROPN
cjfa-30371	321	10	.	.	PUNCT
cjfa-30371	322	1	journal	journal	PROPN
cjfa-30371	322	2	of	of	ADP
cjfa-30371	322	3	economic	economic	ADJ
cjfa-30371	322	4	studies	study	NOUN
cjfa-30371	322	5	,	,	PUNCT
cjfa-30371	322	6	39(6	39(6	NOUN
cjfa-30371	322	7	)	)	PUNCT
cjfa-30371	322	8	,	,	PUNCT
cjfa-30371	322	9	675	675	NUM
cjfa-30371	322	10	-	-	SYM
cjfa-30371	322	11	696	696	NUM
cjfa-30371	322	12	.	.	PUNCT
cjfa-30371	323	1	http://dx.doi.org/10.1108/01443581211274610	http://dx.doi.org/10.1108/01443581211274610	NOUN
cjfa-30371	323	2	.	.	PUNCT
cjfa-30371	324	1	determinants	determinant	NOUN
cjfa-30371	324	2	of	of	ADP
cjfa-30371	324	3	the	the	DET
cjfa-30371	324	4	profitability	profitability	NOUN
cjfa-30371	324	5	of	of	ADP
cjfa-30371	324	6	commercial	commercial	ADJ
cjfa-30371	324	7	banks	bank	NOUN
cjfa-30371	324	8	in	in	ADP
cjfa-30371	324	9	ethiopia	ethiopia	PROPN
cjfa-30371	324	10	201	201	NUM
cjfa-30371	324	11	tesfaye	tesfaye	NOUN
cjfa-30371	324	12	,	,	PUNCT
cjfa-30371	324	13	b.	b.	PROPN
cjfa-30371	324	14	(	(	PUNCT
cjfa-30371	324	15	2014	2014	NUM
cjfa-30371	324	16	)	)	PUNCT
cjfa-30371	324	17	.	.	PUNCT
cjfa-30371	325	1	the	the	DET
cjfa-30371	325	2	determinants	determinant	NOUN
cjfa-30371	325	3	of	of	ADP
cjfa-30371	325	4	ethiopian	ethiopian	ADJ
cjfa-30371	325	5	commercial	commercial	ADJ
cjfa-30371	325	6	banks	bank	NOUN
cjfa-30371	325	7	performance	performance	NOUN
cjfa-30371	325	8	.	.	PUNCT
cjfa-30371	326	1	european	european	ADJ
cjfa-30371	326	2	journal	journal	PROPN
cjfa-30371	326	3	of	of	ADP
cjfa-30371	326	4	business	business	NOUN
cjfa-30371	326	5	and	and	CCONJ
cjfa-30371	326	6	management	management	NOUN
cjfa-30371	326	7	,	,	PUNCT
cjfa-30371	326	8	6(14	6(14	NOUN
cjfa-30371	326	9	)	)	PUNCT
cjfa-30371	326	10	.	.	PUNCT
cjfa-30371	327	1	yidersal	yidersal	PROPN
cjfa-30371	327	2	,	,	PUNCT
cjfa-30371	327	3	d.d	d.d	PROPN
cjfa-30371	327	4	.	.	PROPN
cjfa-30371	327	5	,	,	PUNCT
cjfa-30371	327	6	&	&	CCONJ
cjfa-30371	327	7	wang	wang	PROPN
cjfa-30371	327	8	,	,	PUNCT
cjfa-30371	327	9	w.	w.	PROPN
cjfa-30371	327	10	(	(	PUNCT
cjfa-30371	327	11	2017	2017	NUM
cjfa-30371	327	12	)	)	PUNCT
cjfa-30371	327	13	.	.	PUNCT
cjfa-30371	328	1	ownership	ownership	NOUN
cjfa-30371	328	2	and	and	CCONJ
cjfa-30371	328	3	profitability	profitability	NOUN
cjfa-30371	328	4	:	:	PUNCT
cjfa-30371	328	5	evidence	evidence	NOUN
cjfa-30371	328	6	from	from	ADP
cjfa-30371	328	7	ethiopian	ethiopian	ADJ
cjfa-30371	328	8	banking	banking	NOUN
cjfa-30371	328	9	sector	sector	NOUN
cjfa-30371	328	10	.	.	PUNCT
cjfa-30371	329	1	international	international	ADJ
cjfa-30371	329	2	journal	journal	PROPN
cjfa-30371	329	3	of	of	ADP
cjfa-30371	329	4	scientific	scientific	ADJ
cjfa-30371	329	5	and	and	CCONJ
cjfa-30371	329	6	research	research	NOUN
cjfa-30371	329	7	publications	publication	NOUN
cjfa-30371	329	8	,	,	PUNCT
cjfa-30371	329	9	7(2	7(2	NUM
cjfa-30371	329	10	)	)	PUNCT
cjfa-30371	329	11	.	.	PUNCT