id	sid	tid	token	lemma	pos
cjfa-48752	1	1	date	date	NOUN
cjfa-48752	1	2	of	of	ADP
cjfa-48752	1	3	submission	submission	NOUN
cjfa-48752	1	4	:	:	PUNCT
cjfa-48752	1	5	february	february	NOUN
cjfa-48752	1	6	24	24	NUM
cjfa-48752	1	7	,	,	PUNCT
cjfa-48752	1	8	2023	2023	NUM
cjfa-48752	1	9	;	;	PUNCT
cjfa-48752	1	10	date	date	NOUN
cjfa-48752	1	11	of	of	ADP
cjfa-48752	1	12	acceptance	acceptance	NOUN
cjfa-48752	1	13	:	:	PUNCT
cjfa-48752	1	14	august	august	PROPN
cjfa-48752	1	15	23	23	NUM
cjfa-48752	1	16	,	,	PUNCT
cjfa-48752	1	17	2023	2023	NUM
cjfa-48752	1	18	.	.	PUNCT
cjfa-48752	2	1	*	*	PUNCT
cjfa-48752	2	2	contact	contact	NOUN
cjfa-48752	2	3	information	information	NOUN
cjfa-48752	2	4	:	:	PUNCT
cjfa-48752	2	5	quadriyusuf@gmail.com	quadriyusuf@gmail.com	PROPN
cjfa-48752	2	6	,	,	PUNCT
cjfa-48752	2	7	department	department	NOUN
cjfa-48752	2	8	of	of	ADP
cjfa-48752	2	9	accounting	accounting	NOUN
cjfa-48752	2	10	and	and	CCONJ
cjfa-48752	2	11	finance	finance	NOUN
cjfa-48752	2	12	,	,	PUNCT
cjfa-48752	2	13	kwara	kwara	PROPN
cjfa-48752	2	14	state	state	PROPN
cjfa-48752	2	15	university	university	PROPN
cjfa-48752	2	16	,	,	PUNCT
cjfa-48752	2	17	malete	malete	NOUN
cjfa-48752	2	18	,	,	PUNCT
cjfa-48752	2	19	nigeria	nigeria	PROPN
cjfa-48752	2	20	,	,	PUNCT
cjfa-48752	2	21	phone	phone	NOUN
cjfa-48752	2	22	:	:	PUNCT
cjfa-48752	2	23	+234(0)8065587154	+234(0)8065587154	NOUN
cjfa-48752	2	24	;	;	PUNCT
cjfa-48752	2	25	orcid	orcid	PROPN
cjfa-48752	3	1	i	i	NOUN
cjfa-48752	3	2	d	d	NOUN
cjfa-48752	3	3	:	:	PUNCT
cjfa-48752	3	4	https://orcid.org/0000-0002-3755-7924	https://orcid.org/0000-0002-3755-7924	NOUN
cjfa-48752	3	5	.	.	PUNCT
cjfa-48752	4	1	*	*	PUNCT
cjfa-48752	4	2	*	*	PUNCT
cjfa-48752	4	3	contact	contact	NOUN
cjfa-48752	4	4	information	information	NOUN
cjfa-48752	4	5	:	:	PUNCT
cjfa-48752	4	6	ifedolapoomotosho22@gmail.com	ifedolapoomotosho22@gmail.com	X
cjfa-48752	4	7	,	,	PUNCT
cjfa-48752	4	8	department	department	NOUN
cjfa-48752	4	9	of	of	ADP
cjfa-48752	4	10	accounting	accounting	NOUN
cjfa-48752	4	11	and	and	CCONJ
cjfa-48752	4	12	finance	finance	NOUN
cjfa-48752	4	13	,	,	PUNCT
cjfa-48752	4	14	kwara	kwara	PROPN
cjfa-48752	4	15	state	state	PROPN
cjfa-48752	4	16	university	university	PROPN
cjfa-48752	4	17	,	,	PUNCT
cjfa-48752	4	18	malete	malete	NOUN
cjfa-48752	4	19	,	,	PUNCT
cjfa-48752	4	20	nigeria	nigeria	PROPN
cjfa-48752	4	21	,	,	PUNCT
cjfa-48752	4	22	phone	phone	NOUN
cjfa-48752	4	23	:	:	PUNCT
cjfa-48752	4	24	+234(0)7038333630	+234(0)7038333630	NOUN
cjfa-48752	4	25	;	;	PUNCT
cjfa-48752	4	26	orcid	orcid	NOUN
cjfa-48752	5	1	i	i	NOUN
cjfa-48752	5	2	d	d	PROPN
cjfa-48752	5	3	:	:	PUNCT
cjfa-48752	5	4	https://orcid.org/0009-0005-7365-3613	https://orcid.org/0009-0005-7365-3613	X
cjfa-48752	5	5	.	.	PUNCT
cjfa-48752	6	1	*	*	PUNCT
cjfa-48752	6	2	*	*	PUNCT
cjfa-48752	6	3	*	*	PUNCT
cjfa-48752	6	4	contact	contact	NOUN
cjfa-48752	6	5	information	information	NOUN
cjfa-48752	6	6	:	:	PUNCT
cjfa-48752	7	1	oshoprints@gmail.com	oshoprints@gmail.com	PROPN
cjfa-48752	7	2	,	,	PUNCT
cjfa-48752	7	3	department	department	NOUN
cjfa-48752	7	4	of	of	ADP
cjfa-48752	7	5	accounting	accounting	NOUN
cjfa-48752	7	6	and	and	CCONJ
cjfa-48752	7	7	finance	finance	NOUN
cjfa-48752	7	8	,	,	PUNCT
cjfa-48752	7	9	kwara	kwara	PROPN
cjfa-48752	7	10	state	state	PROPN
cjfa-48752	7	11	university	university	PROPN
cjfa-48752	7	12	,	,	PUNCT
cjfa-48752	7	13	malete	malete	NOUN
cjfa-48752	7	14	,	,	PUNCT
cjfa-48752	7	15	nigeria	nigeria	PROPN
cjfa-48752	7	16	,	,	PUNCT
cjfa-48752	7	17	phone	phone	NOUN
cjfa-48752	7	18	:	:	PUNCT
cjfa-48752	7	19	+234(0)7036215657	+234(0)7036215657	PROPN
cjfa-48752	7	20	;	;	PUNCT
cjfa-48752	7	21	orcid	orcid	PROPN
cjfa-48752	8	1	i	i	NOUN
cjfa-48752	8	2	d	d	PROPN
cjfa-48752	8	3	:	:	PUNCT
cjfa-48752	8	4	https://orcid.org/0000-0003-1365-2860	https://orcid.org/0000-0003-1365-2860	PROPN
cjfa-48752	8	5	.	.	PUNCT
cjfa-48752	9	1	*	*	PUNCT
cjfa-48752	9	2	*	*	PUNCT
cjfa-48752	9	3	*	*	PUNCT
cjfa-48752	9	4	*	*	PUNCT
cjfa-48752	9	5	contact	contact	NOUN
cjfa-48752	9	6	information	information	NOUN
cjfa-48752	9	7	:	:	PUNCT
cjfa-48752	9	8	isalekoko247@gmail.com	isalekoko247@gmail.com	PROPN
cjfa-48752	9	9	,	,	PUNCT
cjfa-48752	9	10	department	department	NOUN
cjfa-48752	9	11	of	of	ADP
cjfa-48752	9	12	accounting	accounting	NOUN
cjfa-48752	9	13	and	and	CCONJ
cjfa-48752	9	14	finance	finance	NOUN
cjfa-48752	9	15	,	,	PUNCT
cjfa-48752	9	16	kwara	kwara	PROPN
cjfa-48752	9	17	state	state	PROPN
cjfa-48752	9	18	university	university	PROPN
cjfa-48752	9	19	,	,	PUNCT
cjfa-48752	9	20	malete	malete	NOUN
cjfa-48752	9	21	,	,	PUNCT
cjfa-48752	9	22	nigeria	nigeria	PROPN
cjfa-48752	9	23	,	,	PUNCT
cjfa-48752	9	24	phone	phone	NOUN
cjfa-48752	9	25	:	:	PUNCT
cjfa-48752	9	26	+234(0)8038950868	+234(0)8038950868	PROPN
cjfa-48752	9	27	;	;	PUNCT
cjfa-48752	9	28	orcid	orcid	PROPN
cjfa-48752	10	1	i	i	NOUN
cjfa-48752	10	2	d	d	PROPN
cjfa-48752	10	3	:	:	PUNCT
cjfa-48752	11	1	https://orcid.org/0000-0001-9921-2131	https://orcid.org/0000-0001-9921-2131	PROPN
cjfa-48752	11	2	.	.	PROPN
cjfa-48752	12	1	copernican	copernican	PROPN
cjfa-48752	12	2	journal	journal	PROPN
cjfa-48752	12	3	of	of	ADP
cjfa-48752	12	4	finance	finance	PROPN
cjfa-48752	12	5	&	&	CCONJ
cjfa-48752	12	6	accounting	accounting	PROPN
cjfa-48752	12	7	e	e	PROPN
cjfa-48752	12	8	-	-	PROPN
cjfa-48752	12	9	issn	issn	PROPN
cjfa-48752	12	10	2300	2300	NUM
cjfa-48752	12	11	-	-	SYM
cjfa-48752	12	12	3065	3065	NUM
cjfa-48752	12	13	p	p	PROPN
cjfa-48752	12	14	-	-	PUNCT
cjfa-48752	12	15	issn	issn	PROPN
cjfa-48752	12	16	2300	2300	NUM
cjfa-48752	12	17	-	-	SYM
cjfa-48752	12	18	12402023	12402023	NUM
cjfa-48752	12	19	,	,	PUNCT
cjfa-48752	12	20	volume	volume	NOUN
cjfa-48752	12	21	12	12	NUM
cjfa-48752	12	22	,	,	PUNCT
cjfa-48752	12	23	issue	issue	NOUN
cjfa-48752	12	24	3	3	NUM
cjfa-48752	12	25	quadri	quadri	PROPN
cjfa-48752	12	26	,	,	PUNCT
cjfa-48752	12	27	y.o	y.o	PROPN
cjfa-48752	12	28	.	.	PROPN
cjfa-48752	12	29	,	,	PUNCT
cjfa-48752	12	30	omotosho	omotosho	NOUN
cjfa-48752	12	31	,	,	PUNCT
cjfa-48752	12	32	i.o	i.o	PROPN
cjfa-48752	12	33	.	.	PROPN
cjfa-48752	12	34	,	,	PUNCT
cjfa-48752	12	35	saheed	saheed	NOUN
cjfa-48752	12	36	,	,	PUNCT
cjfa-48752	12	37	d.o	d.o	PROPN
cjfa-48752	12	38	.	.	PROPN
cjfa-48752	12	39	,	,	PUNCT
cjfa-48752	12	40	&	&	CCONJ
cjfa-48752	12	41	adio	adio	PROPN
cjfa-48752	12	42	,	,	PUNCT
cjfa-48752	12	43	b.o	b.o	PROPN
cjfa-48752	12	44	.	.	PROPN
cjfa-48752	12	45	(	(	PUNCT
cjfa-48752	12	46	2023	2023	NUM
cjfa-48752	12	47	)	)	PUNCT
cjfa-48752	12	48	.	.	PUNCT
cjfa-48752	13	1	board	board	NOUN
cjfa-48752	13	2	characteristics	characteristic	NOUN
cjfa-48752	13	3	,	,	PUNCT
cjfa-48752	13	4	asset	asset	NOUN
cjfa-48752	13	5	quality	quality	NOUN
cjfa-48752	13	6	and	and	CCONJ
cjfa-48752	13	7	financial	financial	ADJ
cjfa-48752	13	8	performance	performance	NOUN
cjfa-48752	13	9	of	of	ADP
cjfa-48752	13	10	deposit	deposit	NOUN
cjfa-48752	13	11	money	money	NOUN
cjfa-48752	13	12	bank	bank	NOUN
cjfa-48752	13	13	.	.	PUNCT
cjfa-48752	14	1	copernican	copernican	PROPN
cjfa-48752	14	2	journal	journal	PROPN
cjfa-48752	14	3	of	of	ADP
cjfa-48752	14	4	finance	finance	PROPN
cjfa-48752	14	5	&	&	CCONJ
cjfa-48752	14	6	accounting	accounting	NOUN
cjfa-48752	14	7	,	,	PUNCT
cjfa-48752	14	8	12(3	12(3	NUM
cjfa-48752	14	9	)	)	PUNCT
cjfa-48752	14	10	,	,	PUNCT
cjfa-48752	14	11	65–78	65–78	NUM
cjfa-48752	14	12	.	.	PUNCT
cjfa-48752	15	1	http://dx.doi.org/10.12775/cjfa.2023.016	http://dx.doi.org/10.12775/cjfa.2023.016	X
cjfa-48752	15	2	yusuf	yusuf	PROPN
cjfa-48752	15	3	olamilekan	olamilekan	PROPN
cjfa-48752	15	4	quadri	quadri	PROPN
cjfa-48752	15	5	*	*	PROPN
cjfa-48752	15	6	kwara	kwara	PROPN
cjfa-48752	15	7	state	state	PROPN
cjfa-48752	15	8	university	university	PROPN
cjfa-48752	15	9	ifedolapo	ifedolapo	PROPN
cjfa-48752	15	10	oluwasolape	oluwasolape	NOUN
cjfa-48752	15	11	omotosho	omotosho	NOUN
cjfa-48752	15	12	*	*	PUNCT
cjfa-48752	15	13	*	*	PUNCT
cjfa-48752	15	14	kwara	kwara	PROPN
cjfa-48752	15	15	state	state	PROPN
cjfa-48752	15	16	university	university	PROPN
cjfa-48752	15	17	daud	daud	PROPN
cjfa-48752	15	18	omotosho	omotosho	NOUN
cjfa-48752	15	19	saheed	saheed	VERB
cjfa-48752	15	20	*	*	PUNCT
cjfa-48752	15	21	*	*	PUNCT
cjfa-48752	15	22	*	*	PUNCT
cjfa-48752	15	23	kwara	kwara	PROPN
cjfa-48752	15	24	state	state	PROPN
cjfa-48752	15	25	university	university	PROPN
cjfa-48752	15	26	babatunde	babatunde	PROPN
cjfa-48752	15	27	abdullah	abdullah	PROPN
cjfa-48752	15	28	adio	adio	PROPN
cjfa-48752	15	29	*	*	PROPN
cjfa-48752	15	30	*	*	PUNCT
cjfa-48752	15	31	*	*	PUNCT
cjfa-48752	15	32	*	*	PUNCT
cjfa-48752	15	33	kwara	kwara	PROPN
cjfa-48752	15	34	state	state	PROPN
cjfa-48752	15	35	university	university	PROPN
cjfa-48752	15	36	board	board	NOUN
cjfa-48752	15	37	characteristics	characteristic	NOUN
cjfa-48752	15	38	,	,	PUNCT
cjfa-48752	15	39	asset	asset	NOUN
cjfa-48752	15	40	quality	quality	NOUN
cjfa-48752	15	41	and	and	CCONJ
cjfa-48752	15	42	financial	financial	ADJ
cjfa-48752	15	43	performance	performance	NOUN
cjfa-48752	15	44	of	of	ADP
cjfa-48752	15	45	deposit	deposit	NOUN
cjfa-48752	15	46	money	money	NOUN
cjfa-48752	15	47	bank	bank	NOUN
cjfa-48752	15	48	keywords	keyword	NOUN
cjfa-48752	15	49	:	:	PUNCT
cjfa-48752	15	50	board	board	NOUN
cjfa-48752	15	51	size	size	NOUN
cjfa-48752	15	52	,	,	PUNCT
cjfa-48752	15	53	board	board	NOUN
cjfa-48752	15	54	credit	credit	NOUN
cjfa-48752	15	55	committee	committee	NOUN
cjfa-48752	15	56	,	,	PUNCT
cjfa-48752	15	57	asset	asset	NOUN
cjfa-48752	15	58	quality	quality	NOUN
cjfa-48752	15	59	,	,	PUNCT
cjfa-48752	15	60	financial	financial	ADJ
cjfa-48752	15	61	performance	performance	NOUN
cjfa-48752	15	62	.	.	PUNCT
cjfa-48752	16	1	j	j	PROPN
cjfa-48752	16	2	e	e	PROPN
cjfa-48752	16	3	l	l	PROPN
cjfa-48752	16	4	classification	classification	NOUN
cjfa-48752	16	5	:	:	PUNCT
cjfa-48752	16	6	g21	g21	PROPN
cjfa-48752	16	7	,	,	PUNCT
cjfa-48752	16	8	g38	g38	NOUN
cjfa-48752	16	9	,	,	PUNCT
cjfa-48752	16	10	l25	l25	NOUN
cjfa-48752	16	11	.	.	PUNCT
cjfa-48752	17	1	y.	y.	PROPN
cjfa-48752	17	2	o.	o.	PROPN
cjfa-48752	17	3	quadri	quadri	PROPN
cjfa-48752	17	4	,	,	PUNCT
cjfa-48752	17	5	i.	i.	PROPN
cjfa-48752	17	6	o.	o.	PROPN
cjfa-48752	17	7	omotosho	omotosho	PROPN
cjfa-48752	17	8	,	,	PUNCT
cjfa-48752	17	9	d.	d.	PROPN
cjfa-48752	17	10	o.	o.	PROPN
cjfa-48752	17	11	saheed	sahee	VERB
cjfa-48752	17	12	,	,	PUNCT
cjfa-48752	17	13	b.	b.	PROPN
cjfa-48752	17	14	a.	a.	PROPN
cjfa-48752	17	15	adio6666	adio6666	PROPN
cjfa-48752	17	16	abstract	abstract	NOUN
cjfa-48752	17	17	:	:	PUNCT
cjfa-48752	17	18	this	this	DET
cjfa-48752	17	19	study	study	NOUN
cjfa-48752	17	20	evaluates	evaluate	VERB
cjfa-48752	17	21	how	how	SCONJ
cjfa-48752	17	22	the	the	DET
cjfa-48752	17	23	board	board	NOUN
cjfa-48752	17	24	composition	composition	NOUN
cjfa-48752	17	25	and	and	CCONJ
cjfa-48752	17	26	asset	asset	NOUN
cjfa-48752	17	27	quality	quality	NOUN
cjfa-48752	17	28	of	of	ADP
cjfa-48752	17	29	nigerian	nigerian	ADJ
cjfa-48752	17	30	deposit	deposit	NOUN
cjfa-48752	17	31	money	money	NOUN
cjfa-48752	17	32	banks	bank	NOUN
cjfa-48752	17	33	affected	affect	VERB
cjfa-48752	17	34	their	their	PRON
cjfa-48752	17	35	financial	financial	ADJ
cjfa-48752	17	36	performance	performance	NOUN
cjfa-48752	17	37	.	.	PUNCT
cjfa-48752	18	1	the	the	DET
cjfa-48752	18	2	study	study	NOUN
cjfa-48752	18	3	used	use	VERB
cjfa-48752	18	4	a	a	DET
cjfa-48752	18	5	sample	sample	NOUN
cjfa-48752	18	6	size	size	NOUN
cjfa-48752	18	7	of	of	ADP
cjfa-48752	18	8	20	20	NUM
cjfa-48752	18	9	out	out	ADP
cjfa-48752	18	10	of	of	ADP
cjfa-48752	18	11	33	33	NUM
cjfa-48752	18	12	deposit	deposit	NOUN
cjfa-48752	18	13	money	money	NOUN
cjfa-48752	18	14	banks	bank	NOUN
cjfa-48752	18	15	and	and	CCONJ
cjfa-48752	18	16	an	an	DET
cjfa-48752	18	17	ex	ex	NOUN
cjfa-48752	18	18	-	-	ADJ
cjfa-48752	18	19	post	post	ADJ
cjfa-48752	18	20	facto	facto	X
cjfa-48752	18	21	research	research	NOUN
cjfa-48752	18	22	design	design	NOUN
cjfa-48752	18	23	.	.	PUNCT
cjfa-48752	19	1	panel	panel	NOUN
cjfa-48752	19	2	least	least	ADJ
cjfa-48752	19	3	square	square	ADJ
cjfa-48752	19	4	regression	regression	NOUN
cjfa-48752	19	5	techniques	technique	NOUN
cjfa-48752	19	6	were	be	AUX
cjfa-48752	19	7	then	then	ADV
cjfa-48752	19	8	used	use	VERB
cjfa-48752	19	9	to	to	PART
cjfa-48752	19	10	assess	assess	VERB
cjfa-48752	19	11	the	the	DET
cjfa-48752	19	12	secondary	secondary	ADJ
cjfa-48752	19	13	data	datum	NOUN
cjfa-48752	19	14	gathered	gather	VERB
cjfa-48752	19	15	from	from	ADP
cjfa-48752	19	16	the	the	DET
cjfa-48752	19	17	audited	audit	VERB
cjfa-48752	19	18	financial	financial	ADJ
cjfa-48752	19	19	records	record	NOUN
cjfa-48752	19	20	of	of	ADP
cjfa-48752	19	21	the	the	DET
cjfa-48752	19	22	participating	participate	VERB
cjfa-48752	19	23	deposit	deposit	NOUN
cjfa-48752	19	24	financial	financial	ADJ
cjfa-48752	19	25	institutions	institution	NOUN
cjfa-48752	19	26	for	for	ADP
cjfa-48752	19	27	the	the	DET
cjfa-48752	19	28	years	year	NOUN
cjfa-48752	19	29	2014	2014	NUM
cjfa-48752	19	30	to	to	ADP
cjfa-48752	19	31	2021	2021	NUM
cjfa-48752	19	32	.	.	PUNCT
cjfa-48752	20	1	the	the	DET
cjfa-48752	20	2	study	study	NOUN
cjfa-48752	20	3	found	find	VERB
cjfa-48752	20	4	that	that	SCONJ
cjfa-48752	20	5	while	while	SCONJ
cjfa-48752	20	6	asset	asset	NOUN
cjfa-48752	20	7	quality	quality	NOUN
cjfa-48752	20	8	has	have	VERB
cjfa-48752	20	9	a	a	DET
cjfa-48752	20	10	negative	negative	ADJ
cjfa-48752	20	11	impact	impact	NOUN
cjfa-48752	20	12	on	on	ADP
cjfa-48752	20	13	the	the	DET
cjfa-48752	20	14	performance	performance	NOUN
cjfa-48752	20	15	of	of	ADP
cjfa-48752	20	16	nigerian	nigerian	ADJ
cjfa-48752	20	17	banks	bank	NOUN
cjfa-48752	20	18	,	,	PUNCT
cjfa-48752	20	19	the	the	DET
cjfa-48752	20	20	size	size	NOUN
cjfa-48752	20	21	of	of	ADP
cjfa-48752	20	22	the	the	DET
cjfa-48752	20	23	board	board	NOUN
cjfa-48752	20	24	and	and	CCONJ
cjfa-48752	20	25	the	the	DET
cjfa-48752	20	26	makeup	makeup	NOUN
cjfa-48752	20	27	of	of	ADP
cjfa-48752	20	28	the	the	DET
cjfa-48752	20	29	credit	credit	NOUN
cjfa-48752	20	30	committee	committee	NOUN
cjfa-48752	20	31	have	have	VERB
cjfa-48752	20	32	a	a	DET
cjfa-48752	20	33	beneficial	beneficial	ADJ
cjfa-48752	20	34	impact	impact	NOUN
cjfa-48752	20	35	.	.	PUNCT
cjfa-48752	21	1	as	as	ADP
cjfa-48752	21	2	a	a	DET
cjfa-48752	21	3	result	result	NOUN
cjfa-48752	21	4	,	,	PUNCT
cjfa-48752	21	5	the	the	DET
cjfa-48752	21	6	study	study	NOUN
cjfa-48752	21	7	came	come	VERB
cjfa-48752	21	8	to	to	ADP
cjfa-48752	21	9	the	the	DET
cjfa-48752	21	10	conclusion	conclusion	NOUN
cjfa-48752	21	11	that	that	SCONJ
cjfa-48752	21	12	board	board	NOUN
cjfa-48752	21	13	qualities	quality	NOUN
cjfa-48752	21	14	and	and	CCONJ
cjfa-48752	21	15	asset	asset	NOUN
cjfa-48752	21	16	quality	quality	NOUN
cjfa-48752	21	17	are	be	AUX
cjfa-48752	21	18	two	two	NUM
cjfa-48752	21	19	further	further	ADJ
cjfa-48752	21	20	elements	element	NOUN
cjfa-48752	21	21	that	that	PRON
cjfa-48752	21	22	affect	affect	VERB
cjfa-48752	21	23	deposit	deposit	NOUN
cjfa-48752	21	24	money	money	NOUN
cjfa-48752	21	25	bank	bank	NOUN
cjfa-48752	21	26	performance	performance	NOUN
cjfa-48752	21	27	in	in	ADP
cjfa-48752	21	28	nigeria	nigeria	PROPN
cjfa-48752	21	29	.	.	PUNCT
cjfa-48752	22	1	in	in	ADP
cjfa-48752	22	2	order	order	NOUN
cjfa-48752	22	3	to	to	PART
cjfa-48752	22	4	ensure	ensure	VERB
cjfa-48752	22	5	that	that	SCONJ
cjfa-48752	22	6	its	its	PRON
cjfa-48752	22	7	members	member	NOUN
cjfa-48752	22	8	are	be	AUX
cjfa-48752	22	9	appropriately	appropriately	ADV
cjfa-48752	22	10	diverse	diverse	ADJ
cjfa-48752	22	11	and	and	CCONJ
cjfa-48752	22	12	in	in	ADP
cjfa-48752	22	13	compliance	compliance	NOUN
cjfa-48752	22	14	with	with	ADP
cjfa-48752	22	15	the	the	DET
cjfa-48752	22	16	corporate	corporate	ADJ
cjfa-48752	22	17	governance	governance	NOUN
cjfa-48752	22	18	code	code	NOUN
cjfa-48752	22	19	,	,	PUNCT
cjfa-48752	22	20	the	the	DET
cjfa-48752	22	21	study	study	NOUN
cjfa-48752	22	22	proposed	propose	VERB
cjfa-48752	22	23	that	that	SCONJ
cjfa-48752	22	24	the	the	DET
cjfa-48752	22	25	size	size	NOUN
cjfa-48752	22	26	of	of	ADP
cjfa-48752	22	27	deposit	deposit	NOUN
cjfa-48752	22	28	money	money	NOUN
cjfa-48752	22	29	institutions	institution	NOUN
cjfa-48752	22	30	’	'	PUNCT
cjfa-48752	22	31	boards	board	NOUN
cjfa-48752	22	32	be	be	AUX
cjfa-48752	22	33	rationalized	rationalize	VERB
cjfa-48752	22	34	.	.	PUNCT
cjfa-48752	23	1	in	in	ADP
cjfa-48752	23	2	order	order	NOUN
cjfa-48752	23	3	to	to	PART
cjfa-48752	23	4	guarantee	guarantee	VERB
cjfa-48752	23	5	that	that	SCONJ
cjfa-48752	23	6	banks	bank	NOUN
cjfa-48752	23	7	are	be	AUX
cjfa-48752	23	8	not	not	PART
cjfa-48752	23	9	exposed	expose	VERB
cjfa-48752	23	10	to	to	ADP
cjfa-48752	23	11	excessive	excessive	ADJ
cjfa-48752	23	12	risk	risk	NOUN
cjfa-48752	23	13	,	,	PUNCT
cjfa-48752	23	14	it	it	PRON
cjfa-48752	23	15	was	be	AUX
cjfa-48752	23	16	also	also	ADV
cjfa-48752	23	17	advised	advise	VERB
cjfa-48752	23	18	that	that	SCONJ
cjfa-48752	23	19	the	the	DET
cjfa-48752	23	20	central	central	ADJ
cjfa-48752	23	21	bank	bank	PROPN
cjfa-48752	23	22	of	of	ADP
cjfa-48752	23	23	nigeria	nigeria	PROPN
cjfa-48752	23	24	should	should	AUX
cjfa-48752	23	25	keep	keep	VERB
cjfa-48752	23	26	an	an	DET
cjfa-48752	23	27	eye	eye	NOUN
cjfa-48752	23	28	on	on	ADP
cjfa-48752	23	29	the	the	DET
cjfa-48752	23	30	operations	operation	NOUN
cjfa-48752	23	31	of	of	ADP
cjfa-48752	23	32	the	the	DET
cjfa-48752	23	33	credit	credit	NOUN
cjfa-48752	23	34	committee	committee	NOUN
cjfa-48752	23	35	.	.	PUNCT
cjfa-48752	23	36	 	 	SPACE
cjfa-48752	24	1	introduction	introduction	NOUN
cjfa-48752	24	2	 	 	SPACE
cjfa-48752	24	3	introduction	introduction	NOUN
cjfa-48752	24	4	the	the	DET
cjfa-48752	24	5	banking	banking	NOUN
cjfa-48752	24	6	industry	industry	NOUN
cjfa-48752	24	7	is	be	AUX
cjfa-48752	24	8	central	central	ADJ
cjfa-48752	24	9	and	and	CCONJ
cjfa-48752	24	10	serves	serve	VERB
cjfa-48752	24	11	as	as	ADP
cjfa-48752	24	12	backbone	backbone	NOUN
cjfa-48752	24	13	to	to	ADP
cjfa-48752	24	14	any	any	DET
cjfa-48752	24	15	country	country	NOUN
cjfa-48752	24	16	’s	’s	PART
cjfa-48752	24	17	economic	economic	ADJ
cjfa-48752	24	18	growth	growth	NOUN
cjfa-48752	24	19	,	,	PUNCT
cjfa-48752	24	20	as	as	SCONJ
cjfa-48752	24	21	it	it	PRON
cjfa-48752	24	22	impacts	impact	VERB
cjfa-48752	24	23	on	on	ADP
cjfa-48752	24	24	the	the	DET
cjfa-48752	24	25	money	money	NOUN
cjfa-48752	24	26	stocks	stock	NOUN
cjfa-48752	24	27	’	'	PUNCT
cjfa-48752	24	28	level	level	NOUN
cjfa-48752	24	29	through	through	ADP
cjfa-48752	24	30	the	the	DET
cjfa-48752	24	31	capacity	capacity	NOUN
cjfa-48752	24	32	to	to	PART
cjfa-48752	24	33	build	build	VERB
cjfa-48752	24	34	up	up	ADP
cjfa-48752	24	35	deposits	deposit	NOUN
cjfa-48752	24	36	and	and	CCONJ
cjfa-48752	24	37	liabilities	liability	NOUN
cjfa-48752	24	38	.	.	PUNCT
cjfa-48752	25	1	the	the	DET
cjfa-48752	25	2	industry	industry	NOUN
cjfa-48752	25	3	provides	provide	VERB
cjfa-48752	25	4	access	access	NOUN
cjfa-48752	25	5	to	to	ADP
cjfa-48752	25	6	payment	payment	NOUN
cjfa-48752	25	7	system	system	NOUN
cjfa-48752	25	8	,	,	PUNCT
cjfa-48752	25	9	enable	enable	VERB
cjfa-48752	25	10	financial	financial	ADJ
cjfa-48752	25	11	services	service	NOUN
cjfa-48752	25	12	for	for	ADP
cjfa-48752	25	13	commercial	commercial	ADJ
cjfa-48752	25	14	enterprises	enterprise	NOUN
cjfa-48752	25	15	and	and	CCONJ
cjfa-48752	25	16	general	general	ADJ
cjfa-48752	25	17	public	public	NOUN
cjfa-48752	25	18	and	and	CCONJ
cjfa-48752	25	19	act	act	VERB
cjfa-48752	25	20	as	as	ADP
cjfa-48752	25	21	a	a	DET
cjfa-48752	25	22	go	go	VERB
cjfa-48752	25	23	-	-	PUNCT
cjfa-48752	25	24	between	between	NOUN
cjfa-48752	25	25	(	(	PUNCT
cjfa-48752	25	26	intermediary	intermediary	NOUN
cjfa-48752	25	27	)	)	PUNCT
cjfa-48752	25	28	for	for	ADP
cjfa-48752	25	29	individuals	individual	NOUN
cjfa-48752	25	30	with	with	ADP
cjfa-48752	25	31	extra	extra	ADJ
cjfa-48752	25	32	money	money	NOUN
cjfa-48752	25	33	(	(	PUNCT
cjfa-48752	25	34	surplus	surplus	ADJ
cjfa-48752	25	35	units	unit	NOUN
cjfa-48752	25	36	)	)	PUNCT
cjfa-48752	25	37	and	and	CCONJ
cjfa-48752	25	38	those	those	PRON
cjfa-48752	25	39	who	who	PRON
cjfa-48752	25	40	need	need	VERB
cjfa-48752	25	41	it	it	PRON
cjfa-48752	25	42	(	(	PUNCT
cjfa-48752	25	43	deficit	deficit	NOUN
cjfa-48752	25	44	units	unit	NOUN
cjfa-48752	25	45	)	)	PUNCT
cjfa-48752	25	46	.	.	PUNCT
cjfa-48752	26	1	noting	note	VERB
cjfa-48752	26	2	all	all	DET
cjfa-48752	26	3	these	these	DET
cjfa-48752	26	4	prime	prime	ADJ
cjfa-48752	26	5	functions	function	NOUN
cjfa-48752	26	6	,	,	PUNCT
cjfa-48752	26	7	the	the	DET
cjfa-48752	26	8	performance	performance	NOUN
cjfa-48752	26	9	of	of	ADP
cjfa-48752	26	10	banks	bank	NOUN
cjfa-48752	26	11	is	be	AUX
cjfa-48752	26	12	very	very	ADV
cjfa-48752	26	13	important	important	ADJ
cjfa-48752	26	14	for	for	SCONJ
cjfa-48752	26	15	any	any	DET
cjfa-48752	26	16	country	country	NOUN
cjfa-48752	26	17	to	to	PART
cjfa-48752	26	18	grow	grow	VERB
cjfa-48752	26	19	its	its	PRON
cjfa-48752	26	20	economy	economy	NOUN
cjfa-48752	26	21	as	as	SCONJ
cjfa-48752	26	22	the	the	DET
cjfa-48752	26	23	proficient	proficient	ADJ
cjfa-48752	26	24	and	and	CCONJ
cjfa-48752	26	25	compelling	compelling	ADJ
cjfa-48752	26	26	banking	banking	NOUN
cjfa-48752	26	27	industry	industry	NOUN
cjfa-48752	26	28	’s	’s	PART
cjfa-48752	26	29	performance	performance	NOUN
cjfa-48752	26	30	over	over	ADP
cjfa-48752	26	31	time	time	NOUN
cjfa-48752	26	32	is	be	AUX
cjfa-48752	26	33	a	a	DET
cjfa-48752	26	34	manifestation	manifestation	NOUN
cjfa-48752	26	35	of	of	ADP
cjfa-48752	26	36	financial	financial	ADJ
cjfa-48752	26	37	and	and	CCONJ
cjfa-48752	26	38	fiscal	fiscal	ADJ
cjfa-48752	26	39	stability	stability	NOUN
cjfa-48752	26	40	,	,	PUNCT
cjfa-48752	26	41	competitiveness	competitiveness	NOUN
cjfa-48752	26	42	and	and	CCONJ
cjfa-48752	26	43	long	long	ADJ
cjfa-48752	26	44	-	-	PUNCT
cjfa-48752	26	45	term	term	NOUN
cjfa-48752	26	46	viability	viability	NOUN
cjfa-48752	26	47	.	.	PUNCT
cjfa-48752	27	1	the	the	DET
cjfa-48752	27	2	level	level	NOUN
cjfa-48752	27	3	of	of	ADP
cjfa-48752	27	4	credit	credit	NOUN
cjfa-48752	27	5	that	that	PRON
cjfa-48752	27	6	banks	bank	NOUN
cjfa-48752	27	7	provide	provide	VERB
cjfa-48752	27	8	to	to	ADP
cjfa-48752	27	9	the	the	DET
cjfa-48752	27	10	general	general	ADJ
cjfa-48752	27	11	public	public	NOUN
cjfa-48752	27	12	for	for	ADP
cjfa-48752	27	13	useful	useful	ADJ
cjfa-48752	27	14	and	and	CCONJ
cjfa-48752	27	15	industrious	industrious	ADJ
cjfa-48752	27	16	undertakings	undertaking	NOUN
cjfa-48752	27	17	is	be	AUX
cjfa-48752	27	18	also	also	ADV
cjfa-48752	27	19	very	very	ADV
cjfa-48752	27	20	important	important	ADJ
cjfa-48752	27	21	for	for	ADP
cjfa-48752	27	22	a	a	DET
cjfa-48752	27	23	country	country	NOUN
cjfa-48752	27	24	’s	’s	PART
cjfa-48752	27	25	economic	economic	ADJ
cjfa-48752	27	26	expansion	expansion	NOUN
cjfa-48752	27	27	(	(	PUNCT
cjfa-48752	27	28	kolapo	kolapo	PROPN
cjfa-48752	27	29	,	,	PUNCT
cjfa-48752	27	30	ayeni	ayeni	PROPN
cjfa-48752	27	31	&	&	CCONJ
cjfa-48752	27	32	oke	oke	PROPN
cjfa-48752	27	33	,	,	PUNCT
cjfa-48752	27	34	2012	2012	NUM
cjfa-48752	27	35	)	)	PUNCT
cjfa-48752	27	36	.	.	PUNCT
cjfa-48752	28	1	notably	notably	ADV
cjfa-48752	28	2	,	,	PUNCT
cjfa-48752	28	3	board	board	NOUN
cjfa-48752	28	4	characteristics	characteristic	NOUN
cjfa-48752	28	5	are	be	AUX
cjfa-48752	28	6	predominantly	predominantly	ADV
cjfa-48752	28	7	imperative	imperative	ADJ
cjfa-48752	28	8	in	in	ADP
cjfa-48752	28	9	the	the	DET
cjfa-48752	28	10	nigerian	nigerian	ADJ
cjfa-48752	28	11	banking	banking	NOUN
cjfa-48752	28	12	industry	industry	NOUN
cjfa-48752	28	13	on	on	ADP
cjfa-48752	28	14	the	the	DET
cjfa-48752	28	15	ground	ground	NOUN
cjfa-48752	28	16	that	that	SCONJ
cjfa-48752	28	17	various	various	ADJ
cjfa-48752	28	18	financial	financial	ADJ
cjfa-48752	28	19	catastrophes	catastrophe	NOUN
cjfa-48752	28	20	,	,	PUNCT
cjfa-48752	28	21	frauds	fraud	NOUN
cjfa-48752	28	22	,	,	PUNCT
cjfa-48752	28	23	and	and	CCONJ
cjfa-48752	28	24	sketchy	sketchy	ADJ
cjfa-48752	28	25	corporate	corporate	ADJ
cjfa-48752	28	26	practices	practice	NOUN
cjfa-48752	28	27	had	have	AUX
cjfa-48752	28	28	unfavourably	unfavourably	ADV
cjfa-48752	28	29	influenced	influence	VERB
cjfa-48752	28	30	the	the	DET
cjfa-48752	28	31	confidence	confidence	NOUN
cjfa-48752	28	32	of	of	ADP
cjfa-48752	28	33	the	the	DET
cjfa-48752	28	34	investors	investor	NOUN
cjfa-48752	28	35	.	.	PUNCT
cjfa-48752	29	1	practices	practice	NOUN
cjfa-48752	29	2	of	of	ADP
cjfa-48752	29	3	corporate	corporate	ADJ
cjfa-48752	29	4	governance	governance	NOUN
cjfa-48752	29	5	and	and	CCONJ
cjfa-48752	29	6	operative	operative	ADJ
cjfa-48752	29	7	boards	board	NOUN
cjfa-48752	29	8	are	be	AUX
cjfa-48752	29	9	fundamental	fundamental	ADJ
cjfa-48752	29	10	ingredients	ingredient	NOUN
cjfa-48752	29	11	towards	towards	ADP
cjfa-48752	29	12	accomplishing	accomplish	VERB
cjfa-48752	29	13	and	and	CCONJ
cjfa-48752	29	14	keeping	keep	VERB
cjfa-48752	29	15	up	up	ADP
cjfa-48752	29	16	with	with	ADP
cjfa-48752	29	17	the	the	DET
cjfa-48752	29	18	confidence	confidence	NOUN
cjfa-48752	29	19	level	level	NOUN
cjfa-48752	29	20	and	and	CCONJ
cjfa-48752	29	21	public	public	ADJ
cjfa-48752	29	22	trust	trust	NOUN
cjfa-48752	29	23	in	in	ADP
cjfa-48752	29	24	the	the	DET
cjfa-48752	29	25	financial	financial	ADJ
cjfa-48752	29	26	system	system	NOUN
cjfa-48752	29	27	(	(	PUNCT
cjfa-48752	29	28	odudu	odudu	NOUN
cjfa-48752	29	29	,	,	PUNCT
cjfa-48752	29	30	james	james	PROPN
cjfa-48752	29	31	&	&	CCONJ
cjfa-48752	29	32	james	james	PROPN
cjfa-48752	29	33	,	,	PUNCT
cjfa-48752	29	34	2016	2016	NUM
cjfa-48752	29	35	)	)	PUNCT
cjfa-48752	29	36	.	.	PUNCT
cjfa-48752	30	1	the	the	DET
cjfa-48752	30	2	board	board	NOUN
cjfa-48752	30	3	of	of	ADP
cjfa-48752	30	4	an	an	DET
cjfa-48752	30	5	organization	organization	NOUN
cjfa-48752	30	6	serves	serve	VERB
cjfa-48752	30	7	as	as	ADP
cjfa-48752	30	8	the	the	DET
cjfa-48752	30	9	primary	primary	ADJ
cjfa-48752	30	10	governing	govern	VERB
cjfa-48752	30	11	body	body	NOUN
cjfa-48752	30	12	and	and	CCONJ
cjfa-48752	30	13	is	be	AUX
cjfa-48752	30	14	entrusted	entrust	VERB
cjfa-48752	30	15	with	with	ADP
cjfa-48752	30	16	the	the	DET
cjfa-48752	30	17	crucial	crucial	ADJ
cjfa-48752	30	18	tasks	task	NOUN
cjfa-48752	30	19	of	of	ADP
cjfa-48752	30	20	providing	provide	VERB
cjfa-48752	30	21	leadership	leadership	NOUN
cjfa-48752	30	22	,	,	PUNCT
cjfa-48752	30	23	fostering	foster	VERB
cjfa-48752	30	24	innovation	innovation	NOUN
cjfa-48752	30	25	,	,	PUNCT
cjfa-48752	30	26	upholding	uphold	VERB
cjfa-48752	30	27	ethical	ethical	ADJ
cjfa-48752	30	28	standards	standard	NOUN
cjfa-48752	30	29	,	,	PUNCT
cjfa-48752	30	30	and	and	CCONJ
cjfa-48752	30	31	making	make	VERB
cjfa-48752	30	32	informed	informed	ADJ
cjfa-48752	30	33	decisions	decision	NOUN
cjfa-48752	30	34	to	to	PART
cjfa-48752	30	35	ensure	ensure	VERB
cjfa-48752	30	36	the	the	DET
cjfa-48752	30	37	long	long	ADJ
cjfa-48752	30	38	-	-	PUNCT
cjfa-48752	30	39	term	term	NOUN
cjfa-48752	30	40	sustainability	sustainability	NOUN
cjfa-48752	30	41	and	and	CCONJ
cjfa-48752	30	42	success	success	NOUN
cjfa-48752	30	43	of	of	ADP
cjfa-48752	30	44	the	the	DET
cjfa-48752	30	45	company	company	NOUN
cjfa-48752	30	46	(	(	PUNCT
cjfa-48752	30	47	subair	subair	PROPN
cjfa-48752	30	48	,	,	PUNCT
cjfa-48752	30	49	salman	salman	PROPN
cjfa-48752	30	50	,	,	PUNCT
cjfa-48752	30	51	abolarin	abolarin	PROPN
cjfa-48752	30	52	,	,	PUNCT
cjfa-48752	30	53	board	board	NOUN
cjfa-48752	30	54	characteristics	characteristic	NOUN
cjfa-48752	30	55	,	,	PUNCT
cjfa-48752	30	56	asset	asset	NOUN
cjfa-48752	30	57	quality	quality	NOUN
cjfa-48752	30	58	and	and	CCONJ
cjfa-48752	30	59	financial	financial	ADJ
cjfa-48752	30	60	performance	performance	NOUN
cjfa-48752	30	61	…	…	PUNCT
cjfa-48752	30	62	6767	6767	NUM
cjfa-48752	30	63	abdullahi	abdullahi	PROPN
cjfa-48752	30	64	&	&	CCONJ
cjfa-48752	30	65	othman	othman	PROPN
cjfa-48752	30	66	,	,	PUNCT
cjfa-48752	30	67	2020	2020	NUM
cjfa-48752	30	68	)	)	PUNCT
cjfa-48752	30	69	.	.	PUNCT
cjfa-48752	31	1	however	however	ADV
cjfa-48752	31	2	,	,	PUNCT
cjfa-48752	31	3	poor	poor	ADJ
cjfa-48752	31	4	boards	board	NOUN
cjfa-48752	31	5	could	could	AUX
cjfa-48752	31	6	thusly	thusly	ADV
cjfa-48752	31	7	prompt	prompt	VERB
cjfa-48752	31	8	a	a	DET
cjfa-48752	31	9	sudden	sudden	ADJ
cjfa-48752	31	10	spike	spike	NOUN
cjfa-48752	31	11	in	in	ADP
cjfa-48752	31	12	the	the	DET
cjfa-48752	31	13	problematic	problematic	ADJ
cjfa-48752	31	14	dealings	dealing	NOUN
cjfa-48752	31	15	,	,	PUNCT
cjfa-48752	31	16	bank	bank	NOUN
cjfa-48752	31	17	unemployment	unemployment	NOUN
cjfa-48752	31	18	,	,	PUNCT
cjfa-48752	31	19	fraudulent	fraudulent	ADJ
cjfa-48752	31	20	exercise	exercise	NOUN
cjfa-48752	31	21	,	,	PUNCT
cjfa-48752	31	22	which	which	PRON
cjfa-48752	31	23	may	may	AUX
cjfa-48752	31	24	upshot	upshot	VERB
cjfa-48752	31	25	adverse	adverse	ADJ
cjfa-48752	31	26	economic	economic	ADJ
cjfa-48752	31	27	consequence	consequence	NOUN
cjfa-48752	31	28	(	(	PUNCT
cjfa-48752	31	29	ogbechie	ogbechie	PROPN
cjfa-48752	31	30	&	&	CCONJ
cjfa-48752	31	31	koufopoulos	koufopoulos	PROPN
cjfa-48752	31	32	,	,	PUNCT
cjfa-48752	31	33	2010	2010	NUM
cjfa-48752	31	34	)	)	PUNCT
cjfa-48752	31	35	.	.	PUNCT
cjfa-48752	32	1	being	be	AUX
cjfa-48752	32	2	the	the	DET
cjfa-48752	32	3	zenith	zenith	NOUN
cjfa-48752	32	4	of	of	ADP
cjfa-48752	32	5	internal	internal	ADJ
cjfa-48752	32	6	control	control	NOUN
cjfa-48752	32	7	framework	framework	NOUN
cjfa-48752	32	8	,	,	PUNCT
cjfa-48752	32	9	major	major	ADJ
cjfa-48752	32	10	responsibility	responsibility	NOUN
cjfa-48752	32	11	is	be	AUX
cjfa-48752	32	12	borne	bear	VERB
cjfa-48752	32	13	by	by	ADP
cjfa-48752	32	14	the	the	DET
cjfa-48752	32	15	board	board	NOUN
cjfa-48752	32	16	for	for	ADP
cjfa-48752	32	17	the	the	DET
cjfa-48752	32	18	smooth	smooth	ADJ
cjfa-48752	32	19	working	working	NOUN
cjfa-48752	32	20	of	of	ADP
cjfa-48752	32	21	the	the	DET
cjfa-48752	32	22	bank	bank	NOUN
cjfa-48752	32	23	,	,	PUNCT
cjfa-48752	32	24	thereby	thereby	ADV
cjfa-48752	32	25	checking	check	VERB
cjfa-48752	32	26	and	and	CCONJ
cjfa-48752	32	27	directing	direct	VERB
cjfa-48752	32	28	banks	bank	NOUN
cjfa-48752	32	29	’	’	PART
cjfa-48752	32	30	top	top	ADJ
cjfa-48752	32	31	management	management	NOUN
cjfa-48752	32	32	with	with	ADP
cjfa-48752	32	33	fiduciary	fiduciary	ADJ
cjfa-48752	32	34	commitment	commitment	NOUN
cjfa-48752	32	35	to	to	ADP
cjfa-48752	32	36	depositors	depositor	NOUN
cjfa-48752	32	37	as	as	ADV
cjfa-48752	32	38	well	well	ADV
cjfa-48752	32	39	as	as	ADP
cjfa-48752	32	40	shareholders	shareholder	NOUN
cjfa-48752	32	41	in	in	ADP
cjfa-48752	32	42	the	the	DET
cjfa-48752	32	43	complex	complex	ADJ
cjfa-48752	32	44	banking	banking	NOUN
cjfa-48752	32	45	environment	environment	NOUN
cjfa-48752	32	46	.	.	PUNCT
cjfa-48752	33	1	furthermore	furthermore	ADV
cjfa-48752	33	2	,	,	PUNCT
cjfa-48752	33	3	the	the	DET
cjfa-48752	33	4	banks	bank	NOUN
cjfa-48752	33	5	’	’	PART
cjfa-48752	33	6	asset	asset	NOUN
cjfa-48752	33	7	quality	quality	NOUN
cjfa-48752	33	8	and	and	CCONJ
cjfa-48752	33	9	the	the	DET
cjfa-48752	33	10	situation	situation	NOUN
cjfa-48752	33	11	around	around	ADP
cjfa-48752	33	12	board	board	NOUN
cjfa-48752	33	13	characteristics	characteristic	NOUN
cjfa-48752	33	14	as	as	ADP
cjfa-48752	33	15	a	a	DET
cjfa-48752	33	16	corporate	corporate	ADJ
cjfa-48752	33	17	governance	governance	NOUN
cjfa-48752	33	18	instrument	instrument	NOUN
cjfa-48752	33	19	persistently	persistently	ADV
cjfa-48752	33	20	remain	remain	VERB
cjfa-48752	33	21	a	a	DET
cjfa-48752	33	22	critical	critical	ADJ
cjfa-48752	33	23	worry	worry	NOUN
cjfa-48752	33	24	for	for	ADP
cjfa-48752	33	25	the	the	DET
cjfa-48752	33	26	policymakers	policymaker	NOUN
cjfa-48752	33	27	,	,	PUNCT
cjfa-48752	33	28	regulatory	regulatory	ADJ
cjfa-48752	33	29	bodies	body	NOUN
cjfa-48752	33	30	,	,	PUNCT
cjfa-48752	33	31	financial	financial	ADJ
cjfa-48752	33	32	backers	backer	NOUN
cjfa-48752	33	33	,	,	PUNCT
cjfa-48752	33	34	professionals	professional	NOUN
cjfa-48752	33	35	,	,	PUNCT
cjfa-48752	33	36	market	market	NOUN
cjfa-48752	33	37	participants	participant	NOUN
cjfa-48752	33	38	and	and	CCONJ
cjfa-48752	33	39	the	the	DET
cjfa-48752	33	40	general	general	ADJ
cjfa-48752	33	41	stakeholders	stakeholder	NOUN
cjfa-48752	33	42	.	.	PUNCT
cjfa-48752	34	1	deposit	deposit	NOUN
cjfa-48752	34	2	money	money	NOUN
cjfa-48752	34	3	banks	bank	NOUN
cjfa-48752	34	4	are	be	AUX
cjfa-48752	34	5	over	over	ADP
cjfa-48752	34	6	-	-	PUNCT
cjfa-48752	34	7	burden	burden	NOUN
cjfa-48752	34	8	with	with	ADP
cjfa-48752	34	9	a	a	DET
cjfa-48752	34	10	gigantic	gigantic	ADJ
cjfa-48752	34	11	heap	heap	NOUN
cjfa-48752	34	12	of	of	ADP
cjfa-48752	34	13	non	non	ADJ
cjfa-48752	34	14	-	-	ADJ
cjfa-48752	34	15	performing	perform	VERB
cjfa-48752	34	16	assets	asset	NOUN
cjfa-48752	34	17	as	as	ADP
cjfa-48752	34	18	corporate	corporate	ADJ
cjfa-48752	34	19	failures	failure	NOUN
cjfa-48752	34	20	and	and	CCONJ
cjfa-48752	34	21	scandals	scandal	NOUN
cjfa-48752	34	22	continue	continue	VERB
cjfa-48752	34	23	to	to	PART
cjfa-48752	34	24	occur	occur	VERB
cjfa-48752	34	25	.	.	PUNCT
cjfa-48752	35	1	for	for	ADP
cjfa-48752	35	2	instance	instance	NOUN
cjfa-48752	35	3	,	,	PUNCT
cjfa-48752	35	4	skye	skye	PROPN
cjfa-48752	35	5	bank	bank	PROPN
cjfa-48752	35	6	plc	plc	PROPN
cjfa-48752	35	7	.	.	PROPN
cjfa-48752	36	1	and	and	CCONJ
cjfa-48752	36	2	spring	spring	PROPN
cjfa-48752	36	3	bank	bank	PROPN
cjfa-48752	36	4	plc	plc	PROPN
cjfa-48752	36	5	.	.	PUNCT
cjfa-48752	37	1	in	in	ADP
cjfa-48752	37	2	nigeria	nigeria	PROPN
cjfa-48752	37	3	(	(	PUNCT
cjfa-48752	37	4	the	the	DET
cjfa-48752	37	5	issue	issue	NOUN
cjfa-48752	37	6	of	of	ADP
cjfa-48752	37	7	capital	capital	NOUN
cjfa-48752	37	8	mishandling	mishandle	VERB
cjfa-48752	37	9	)	)	PUNCT
cjfa-48752	37	10	suffered	suffer	VERB
cjfa-48752	37	11	from	from	ADP
cjfa-48752	37	12	weak	weak	ADJ
cjfa-48752	37	13	corporate	corporate	ADJ
cjfa-48752	37	14	governance	governance	NOUN
cjfa-48752	37	15	in	in	ADP
cjfa-48752	37	16	terms	term	NOUN
cjfa-48752	37	17	of	of	ADP
cjfa-48752	37	18	their	their	PRON
cjfa-48752	37	19	characteristics	characteristic	NOUN
cjfa-48752	37	20	such	such	ADJ
cjfa-48752	37	21	as	as	ADP
cjfa-48752	37	22	size	size	NOUN
cjfa-48752	37	23	,	,	PUNCT
cjfa-48752	37	24	composition	composition	NOUN
cjfa-48752	37	25	,	,	PUNCT
cjfa-48752	37	26	financial	financial	ADJ
cjfa-48752	37	27	knowledge	knowledge	NOUN
cjfa-48752	37	28	or	or	CCONJ
cjfa-48752	37	29	expertise	expertise	NOUN
cjfa-48752	37	30	,	,	PUNCT
cjfa-48752	37	31	credit	credit	NOUN
cjfa-48752	37	32	committee	committee	NOUN
cjfa-48752	37	33	among	among	ADP
cjfa-48752	37	34	others	other	NOUN
cjfa-48752	37	35	.	.	PUNCT
cjfa-48752	38	1	according	accord	VERB
cjfa-48752	38	2	to	to	ADP
cjfa-48752	38	3	abata	abata	PROPN
cjfa-48752	38	4	(	(	PUNCT
cjfa-48752	38	5	2014	2014	NUM
cjfa-48752	38	6	)	)	PUNCT
cjfa-48752	38	7	,	,	PUNCT
cjfa-48752	38	8	the	the	DET
cjfa-48752	38	9	deterioration	deterioration	NOUN
cjfa-48752	38	10	in	in	ADP
cjfa-48752	38	11	the	the	DET
cjfa-48752	38	12	quality	quality	NOUN
cjfa-48752	38	13	of	of	ADP
cjfa-48752	38	14	bank	bank	NOUN
cjfa-48752	38	15	assets	asset	NOUN
cjfa-48752	38	16	could	could	AUX
cjfa-48752	38	17	be	be	AUX
cjfa-48752	38	18	caused	cause	VERB
cjfa-48752	38	19	by	by	ADP
cjfa-48752	38	20	a	a	DET
cjfa-48752	38	21	lack	lack	NOUN
cjfa-48752	38	22	of	of	ADP
cjfa-48752	38	23	knowledge	knowledge	NOUN
cjfa-48752	38	24	about	about	ADP
cjfa-48752	38	25	loan	loan	NOUN
cjfa-48752	38	26	quality	quality	NOUN
cjfa-48752	38	27	as	as	SCONJ
cjfa-48752	38	28	this	this	PRON
cjfa-48752	38	29	is	be	AUX
cjfa-48752	38	30	one	one	NUM
cjfa-48752	38	31	of	of	ADP
cjfa-48752	38	32	the	the	DET
cjfa-48752	38	33	main	main	ADJ
cjfa-48752	38	34	factors	factor	NOUN
cjfa-48752	38	35	that	that	PRON
cjfa-48752	38	36	contributes	contribute	VERB
cjfa-48752	38	37	to	to	ADP
cjfa-48752	38	38	the	the	DET
cjfa-48752	38	39	financial	financial	ADJ
cjfa-48752	38	40	system	system	NOUN
cjfa-48752	38	41	’s	’s	PART
cjfa-48752	38	42	vulnerability	vulnerability	NOUN
cjfa-48752	38	43	.	.	PUNCT
cjfa-48752	39	1	asset	asset	NOUN
cjfa-48752	39	2	quality	quality	NOUN
cjfa-48752	39	3	management	management	NOUN
cjfa-48752	39	4	needs	need	VERB
cjfa-48752	39	5	to	to	PART
cjfa-48752	39	6	be	be	AUX
cjfa-48752	39	7	prioritized	prioritize	VERB
cjfa-48752	39	8	by	by	ADP
cjfa-48752	39	9	banking	banking	NOUN
cjfa-48752	39	10	institutions	institution	NOUN
cjfa-48752	39	11	in	in	ADP
cjfa-48752	39	12	nations	nation	NOUN
cjfa-48752	39	13	with	with	ADP
cjfa-48752	39	14	weak	weak	ADJ
cjfa-48752	39	15	banking	banking	NOUN
cjfa-48752	39	16	systems	system	NOUN
cjfa-48752	39	17	in	in	ADP
cjfa-48752	39	18	order	order	NOUN
cjfa-48752	39	19	to	to	PART
cjfa-48752	39	20	ensure	ensure	VERB
cjfa-48752	39	21	the	the	DET
cjfa-48752	39	22	banking	banking	NOUN
cjfa-48752	39	23	industry	industry	NOUN
cjfa-48752	39	24	’s	’s	PART
cjfa-48752	39	25	long	long	ADJ
cjfa-48752	39	26	-	-	PUNCT
cjfa-48752	39	27	term	term	NOUN
cjfa-48752	39	28	viability	viability	NOUN
cjfa-48752	39	29	.	.	PUNCT
cjfa-48752	40	1	the	the	DET
cjfa-48752	40	2	central	central	ADJ
cjfa-48752	40	3	bank	bank	PROPN
cjfa-48752	40	4	of	of	ADP
cjfa-48752	40	5	nigeria	nigeria	PROPN
cjfa-48752	40	6	(	(	PUNCT
cjfa-48752	40	7	cbn	cbn	PROPN
cjfa-48752	40	8	)	)	PUNCT
cjfa-48752	40	9	has	have	AUX
cjfa-48752	40	10	established	establish	VERB
cjfa-48752	40	11	a	a	DET
cjfa-48752	40	12	number	number	NOUN
cjfa-48752	40	13	of	of	ADP
cjfa-48752	40	14	policies	policy	NOUN
cjfa-48752	40	15	and	and	CCONJ
cjfa-48752	40	16	strategies	strategy	NOUN
cjfa-48752	40	17	aimed	aim	VERB
cjfa-48752	40	18	at	at	ADP
cjfa-48752	40	19	ensuring	ensure	VERB
cjfa-48752	40	20	a	a	DET
cjfa-48752	40	21	robust	robust	ADJ
cjfa-48752	40	22	as	as	ADV
cjfa-48752	40	23	well	well	ADV
cjfa-48752	40	24	as	as	ADP
cjfa-48752	40	25	sound	sound	ADJ
cjfa-48752	40	26	banking	banking	NOUN
cjfa-48752	40	27	atmosphere	atmosphere	NOUN
cjfa-48752	40	28	towards	towards	ADP
cjfa-48752	40	29	safeguarding	safeguard	VERB
cjfa-48752	40	30	the	the	DET
cjfa-48752	40	31	interest	interest	NOUN
cjfa-48752	40	32	of	of	ADP
cjfa-48752	40	33	numerous	numerous	ADJ
cjfa-48752	40	34	stakeholders	stakeholder	NOUN
cjfa-48752	40	35	and	and	CCONJ
cjfa-48752	40	36	combating	combat	VERB
cjfa-48752	40	37	this	this	DET
cjfa-48752	40	38	global	global	ADJ
cjfa-48752	40	39	trend	trend	NOUN
cjfa-48752	40	40	of	of	ADP
cjfa-48752	40	41	asset	asset	NOUN
cjfa-48752	40	42	quality	quality	NOUN
cjfa-48752	40	43	deterioration	deterioration	NOUN
cjfa-48752	40	44	,	,	PUNCT
cjfa-48752	40	45	but	but	CCONJ
cjfa-48752	40	46	despite	despite	SCONJ
cjfa-48752	40	47	their	their	PRON
cjfa-48752	40	48	exertions	exertion	NOUN
cjfa-48752	40	49	,	,	PUNCT
cjfa-48752	40	50	the	the	DET
cjfa-48752	40	51	banking	banking	NOUN
cjfa-48752	40	52	industry	industry	NOUN
cjfa-48752	40	53	seamlessly	seamlessly	ADV
cjfa-48752	40	54	have	have	VERB
cjfa-48752	40	55	problems	problem	NOUN
cjfa-48752	40	56	that	that	PRON
cjfa-48752	40	57	harm	harm	VERB
cjfa-48752	40	58	the	the	DET
cjfa-48752	40	59	customers	customer	NOUN
cjfa-48752	40	60	and	and	CCONJ
cjfa-48752	40	61	other	other	ADJ
cjfa-48752	40	62	investors	investor	NOUN
cjfa-48752	40	63	,	,	PUNCT
cjfa-48752	40	64	thereby	thereby	ADV
cjfa-48752	40	65	prompting	prompt	VERB
cjfa-48752	40	66	a	a	DET
cjfa-48752	40	67	cushion	cushion	NOUN
cjfa-48752	40	68	and	and	CCONJ
cjfa-48752	40	69	bailout	bailout	NOUN
cjfa-48752	40	70	of	of	ADP
cjfa-48752	40	71	few	few	ADJ
cjfa-48752	40	72	failing	fail	VERB
cjfa-48752	40	73	banks	bank	NOUN
cjfa-48752	40	74	.	.	PUNCT
cjfa-48752	41	1	from	from	ADP
cjfa-48752	41	2	the	the	DET
cjfa-48752	41	3	foregoing	foregoing	NOUN
cjfa-48752	41	4	,	,	PUNCT
cjfa-48752	41	5	it	it	PRON
cjfa-48752	41	6	becomes	become	VERB
cjfa-48752	41	7	imperative	imperative	ADJ
cjfa-48752	41	8	to	to	PART
cjfa-48752	41	9	concurrently	concurrently	ADV
cjfa-48752	41	10	examine	examine	VERB
cjfa-48752	41	11	how	how	SCONJ
cjfa-48752	41	12	asset	asset	NOUN
cjfa-48752	41	13	quality	quality	NOUN
cjfa-48752	41	14	and	and	CCONJ
cjfa-48752	41	15	board	board	NOUN
cjfa-48752	41	16	characteristics	characteristic	NOUN
cjfa-48752	41	17	impact	impact	NOUN
cjfa-48752	41	18	on	on	ADP
cjfa-48752	41	19	the	the	DET
cjfa-48752	41	20	nigerian	nigerian	ADJ
cjfa-48752	41	21	deposit	deposit	NOUN
cjfa-48752	41	22	money	money	NOUN
cjfa-48752	41	23	banks	bank	NOUN
cjfa-48752	41	24	’	'	PUNCT
cjfa-48752	41	25	financial	financial	ADJ
cjfa-48752	41	26	performance	performance	NOUN
cjfa-48752	41	27	incorporating	incorporate	VERB
cjfa-48752	41	28	bank	bank	NOUN
cjfa-48752	41	29	credit	credit	NOUN
cjfa-48752	41	30	committee	committee	NOUN
cjfa-48752	41	31	which	which	PRON
cjfa-48752	41	32	previous	previous	ADJ
cjfa-48752	41	33	studies	study	NOUN
cjfa-48752	41	34	failed	fail	VERB
cjfa-48752	41	35	to	to	PART
cjfa-48752	41	36	use	use	VERB
cjfa-48752	41	37	.	.	PUNCT
cjfa-48752	42	1	to	to	PART
cjfa-48752	42	2	achieve	achieve	VERB
cjfa-48752	42	3	this	this	PRON
cjfa-48752	42	4	,	,	PUNCT
cjfa-48752	42	5	the	the	DET
cjfa-48752	42	6	following	follow	VERB
cjfa-48752	42	7	hypotheses	hypothesis	NOUN
cjfa-48752	42	8	are	be	AUX
cjfa-48752	42	9	formulated	formulate	VERB
cjfa-48752	42	10	:	:	PUNCT
cjfa-48752	42	11	ho1	ho1	NOUN
cjfa-48752	42	12	:	:	PUNCT
cjfa-48752	42	13	the	the	DET
cjfa-48752	42	14	size	size	NOUN
cjfa-48752	42	15	of	of	ADP
cjfa-48752	42	16	the	the	DET
cjfa-48752	42	17	board	board	NOUN
cjfa-48752	42	18	of	of	ADP
cjfa-48752	42	19	directors	director	NOUN
cjfa-48752	42	20	of	of	ADP
cjfa-48752	42	21	nigerian	nigerian	ADJ
cjfa-48752	42	22	banks	bank	NOUN
cjfa-48752	42	23	does	do	AUX
cjfa-48752	42	24	not	not	PART
cjfa-48752	42	25	have	have	VERB
cjfa-48752	42	26	a	a	DET
cjfa-48752	42	27	significant	significant	ADJ
cjfa-48752	42	28	impact	impact	NOUN
cjfa-48752	42	29	on	on	ADP
cjfa-48752	42	30	their	their	PRON
cjfa-48752	42	31	financial	financial	ADJ
cjfa-48752	42	32	performance	performance	NOUN
cjfa-48752	42	33	.	.	PUNCT
cjfa-48752	43	1	ho2	ho2	NOUN
cjfa-48752	43	2	:	:	PUNCT
cjfa-48752	43	3	the	the	DET
cjfa-48752	43	4	board	board	PROPN
cjfa-48752	43	5	credit	credit	NOUN
cjfa-48752	43	6	committee	committee	NOUN
cjfa-48752	43	7	does	do	AUX
cjfa-48752	43	8	not	not	PART
cjfa-48752	43	9	have	have	VERB
cjfa-48752	43	10	a	a	DET
cjfa-48752	43	11	significant	significant	ADJ
cjfa-48752	43	12	impact	impact	NOUN
cjfa-48752	43	13	on	on	ADP
cjfa-48752	43	14	the	the	DET
cjfa-48752	43	15	financial	financial	ADJ
cjfa-48752	43	16	performance	performance	NOUN
cjfa-48752	43	17	of	of	ADP
cjfa-48752	43	18	the	the	DET
cjfa-48752	43	19	nigeria	nigeria	PROPN
cjfa-48752	43	20	’s	’s	PART
cjfa-48752	43	21	deposit	deposit	NOUN
cjfa-48752	43	22	money	money	NOUN
cjfa-48752	43	23	institutions	institution	NOUN
cjfa-48752	43	24	.	.	PUNCT
cjfa-48752	44	1	ho3	ho3	NOUN
cjfa-48752	44	2	:	:	PUNCT
cjfa-48752	44	3	nigerian	nigerian	ADJ
cjfa-48752	44	4	deposit	deposit	NOUN
cjfa-48752	44	5	money	money	NOUN
cjfa-48752	44	6	institutions	institution	NOUN
cjfa-48752	44	7	’	'	PUNCT
cjfa-48752	44	8	financial	financial	ADJ
cjfa-48752	44	9	performance	performance	NOUN
cjfa-48752	44	10	is	be	AUX
cjfa-48752	44	11	not	not	PART
cjfa-48752	44	12	affected	affect	VERB
cjfa-48752	44	13	by	by	ADP
cjfa-48752	44	14	asset	asset	NOUN
cjfa-48752	44	15	quality	quality	NOUN
cjfa-48752	44	16	.	.	PUNCT
cjfa-48752	45	1	y.	y.	PROPN
cjfa-48752	45	2	o.	o.	PROPN
cjfa-48752	45	3	quadri	quadri	PROPN
cjfa-48752	45	4	,	,	PUNCT
cjfa-48752	45	5	i.	i.	PROPN
cjfa-48752	45	6	o.	o.	PROPN
cjfa-48752	45	7	omotosho	omotosho	PROPN
cjfa-48752	45	8	,	,	PUNCT
cjfa-48752	45	9	d.	d.	PROPN
cjfa-48752	45	10	o.	o.	PROPN
cjfa-48752	45	11	saheed	sahee	VERB
cjfa-48752	45	12	,	,	PUNCT
cjfa-48752	45	13	b.	b.	PROPN
cjfa-48752	45	14	a.	a.	PROPN
cjfa-48752	45	15	adio6868	adio6868	PROPN
cjfa-48752	45	16	theoretical	theoretical	ADJ
cjfa-48752	45	17	frameworktheoretical	frameworktheoretical	ADJ
cjfa-48752	45	18	framework	framework	NOUN
cjfa-48752	45	19	after	after	ADP
cjfa-48752	45	20	reviewing	review	VERB
cjfa-48752	45	21	various	various	ADJ
cjfa-48752	45	22	theories	theory	NOUN
cjfa-48752	45	23	on	on	ADP
cjfa-48752	45	24	the	the	DET
cjfa-48752	45	25	subject	subject	NOUN
cjfa-48752	45	26	,	,	PUNCT
cjfa-48752	45	27	this	this	DET
cjfa-48752	45	28	study	study	NOUN
cjfa-48752	45	29	uses	use	VERB
cjfa-48752	45	30	the	the	DET
cjfa-48752	45	31	resource	resource	NOUN
cjfa-48752	45	32	dependence	dependence	NOUN
cjfa-48752	45	33	and	and	CCONJ
cjfa-48752	45	34	agency	agency	NOUN
cjfa-48752	45	35	theory	theory	NOUN
cjfa-48752	45	36	as	as	SCONJ
cjfa-48752	45	37	they	they	PRON
cjfa-48752	45	38	explain	explain	VERB
cjfa-48752	45	39	how	how	SCONJ
cjfa-48752	45	40	board	board	NOUN
cjfa-48752	45	41	members	member	NOUN
cjfa-48752	45	42	can	can	AUX
cjfa-48752	45	43	contribute	contribute	VERB
cjfa-48752	45	44	to	to	ADP
cjfa-48752	45	45	the	the	DET
cjfa-48752	45	46	success	success	NOUN
cjfa-48752	45	47	of	of	ADP
cjfa-48752	45	48	a	a	DET
cjfa-48752	45	49	company	company	NOUN
cjfa-48752	45	50	by	by	ADP
cjfa-48752	45	51	improving	improve	VERB
cjfa-48752	45	52	their	their	PRON
cjfa-48752	45	53	performance	performance	NOUN
cjfa-48752	45	54	.	.	PUNCT
cjfa-48752	46	1	the	the	DET
cjfa-48752	46	2	agency	agency	NOUN
cjfa-48752	46	3	theory	theory	NOUN
cjfa-48752	46	4	postulates	postulate	VERB
cjfa-48752	46	5	that	that	SCONJ
cjfa-48752	46	6	corporate	corporate	ADJ
cjfa-48752	46	7	leaders	leader	NOUN
cjfa-48752	46	8	are	be	AUX
cjfa-48752	46	9	paid	pay	VERB
cjfa-48752	46	10	to	to	PART
cjfa-48752	46	11	represent	represent	VERB
cjfa-48752	46	12	the	the	DET
cjfa-48752	46	13	company	company	NOUN
cjfa-48752	46	14	’s	’s	PART
cjfa-48752	46	15	owners	owner	NOUN
cjfa-48752	46	16	and	and	CCONJ
cjfa-48752	46	17	protect	protect	VERB
cjfa-48752	46	18	their	their	PRON
cjfa-48752	46	19	interest	interest	NOUN
cjfa-48752	46	20	(	(	PUNCT
cjfa-48752	46	21	ujunwa	ujunwa	PROPN
cjfa-48752	46	22	,	,	PUNCT
cjfa-48752	46	23	okoyeuzu	okoyeuzu	PROPN
cjfa-48752	46	24	&	&	CCONJ
cjfa-48752	46	25	nwakoby	nwakoby	PROPN
cjfa-48752	46	26	,	,	PUNCT
cjfa-48752	46	27	2012	2012	NUM
cjfa-48752	46	28	)	)	PUNCT
cjfa-48752	46	29	.	.	PUNCT
cjfa-48752	47	1	in	in	ADP
cjfa-48752	47	2	addition	addition	NOUN
cjfa-48752	47	3	to	to	ADP
cjfa-48752	47	4	being	be	AUX
cjfa-48752	47	5	able	able	ADJ
cjfa-48752	47	6	to	to	PART
cjfa-48752	47	7	control	control	VERB
cjfa-48752	47	8	the	the	DET
cjfa-48752	47	9	operations	operation	NOUN
cjfa-48752	47	10	of	of	ADP
cjfa-48752	47	11	the	the	DET
cjfa-48752	47	12	company	company	NOUN
cjfa-48752	47	13	,	,	PUNCT
cjfa-48752	47	14	a	a	DET
cjfa-48752	47	15	board	board	NOUN
cjfa-48752	47	16	of	of	ADP
cjfa-48752	47	17	directors	director	NOUN
cjfa-48752	47	18	also	also	ADV
cjfa-48752	47	19	aims	aim	VERB
cjfa-48752	47	20	to	to	PART
cjfa-48752	47	21	encourage	encourage	VERB
cjfa-48752	47	22	the	the	DET
cjfa-48752	47	23	agents	agent	NOUN
cjfa-48752	47	24	to	to	PART
cjfa-48752	47	25	perform	perform	VERB
cjfa-48752	47	26	their	their	PRON
cjfa-48752	47	27	duties	duty	NOUN
cjfa-48752	47	28	in	in	ADP
cjfa-48752	47	29	a	a	DET
cjfa-48752	47	30	way	way	NOUN
cjfa-48752	47	31	that	that	PRON
cjfa-48752	47	32	is	be	AUX
cjfa-48752	47	33	aligned	align	VERB
cjfa-48752	47	34	with	with	ADP
cjfa-48752	47	35	the	the	DET
cjfa-48752	47	36	company	company	NOUN
cjfa-48752	47	37	’s	’s	PART
cjfa-48752	47	38	goals	goal	NOUN
cjfa-48752	47	39	.	.	PUNCT
cjfa-48752	48	1	the	the	DET
cjfa-48752	48	2	board	board	NOUN
cjfa-48752	48	3	of	of	ADP
cjfa-48752	48	4	directors	director	NOUN
cjfa-48752	48	5	is	be	AUX
cjfa-48752	48	6	responsible	responsible	ADJ
cjfa-48752	48	7	for	for	ADP
cjfa-48752	48	8	addressing	address	VERB
cjfa-48752	48	9	shareholder	shareholder	NOUN
cjfa-48752	48	10	and	and	CCONJ
cjfa-48752	48	11	manager	manager	NOUN
cjfa-48752	48	12	issues	issue	NOUN
cjfa-48752	48	13	related	relate	VERB
cjfa-48752	48	14	to	to	ADP
cjfa-48752	48	15	the	the	DET
cjfa-48752	48	16	organization	organization	NOUN
cjfa-48752	48	17	’s	’s	PART
cjfa-48752	48	18	operations	operation	NOUN
cjfa-48752	48	19	as	as	ADP
cjfa-48752	48	20	having	have	VERB
cjfa-48752	48	21	an	an	DET
cjfa-48752	48	22	organized	organized	ADJ
cjfa-48752	48	23	and	and	CCONJ
cjfa-48752	48	24	well	well	ADV
cjfa-48752	48	25	-	-	PUNCT
cjfa-48752	48	26	rounded	round	VERB
cjfa-48752	48	27	board	board	NOUN
cjfa-48752	48	28	can	can	AUX
cjfa-48752	48	29	help	help	VERB
cjfa-48752	48	30	improve	improve	VERB
cjfa-48752	48	31	the	the	DET
cjfa-48752	48	32	efficiency	efficiency	NOUN
cjfa-48752	48	33	of	of	ADP
cjfa-48752	48	34	an	an	DET
cjfa-48752	48	35	organization	organization	NOUN
cjfa-48752	48	36	.	.	PUNCT
cjfa-48752	49	1	according	accord	VERB
cjfa-48752	49	2	to	to	ADP
cjfa-48752	49	3	bowie	bowie	PROPN
cjfa-48752	49	4	and	and	CCONJ
cjfa-48752	49	5	freeman	freeman	PROPN
cjfa-48752	49	6	(	(	PUNCT
cjfa-48752	49	7	1992	1992	NUM
cjfa-48752	49	8	)	)	PUNCT
cjfa-48752	49	9	,	,	PUNCT
cjfa-48752	49	10	while	while	SCONJ
cjfa-48752	49	11	resolving	resolve	VERB
cjfa-48752	49	12	conflicts	conflict	NOUN
cjfa-48752	49	13	,	,	PUNCT
cjfa-48752	49	14	the	the	DET
cjfa-48752	49	15	board	board	NOUN
cjfa-48752	49	16	should	should	AUX
cjfa-48752	49	17	consider	consider	VERB
cjfa-48752	49	18	adopting	adopt	VERB
cjfa-48752	49	19	a	a	DET
cjfa-48752	49	20	risk	risk	NOUN
cjfa-48752	49	21	tolerance	tolerance	NOUN
cjfa-48752	49	22	policy	policy	NOUN
cjfa-48752	49	23	as	as	SCONJ
cjfa-48752	49	24	it	it	PRON
cjfa-48752	49	25	is	be	AUX
cjfa-48752	49	26	the	the	DET
cjfa-48752	49	27	prerogative	prerogative	NOUN
cjfa-48752	49	28	of	of	ADP
cjfa-48752	49	29	bank	bank	NOUN
cjfa-48752	49	30	managers	manager	NOUN
cjfa-48752	49	31	not	not	PART
cjfa-48752	49	32	to	to	PART
cjfa-48752	49	33	expose	expose	VERB
cjfa-48752	49	34	their	their	PRON
cjfa-48752	49	35	institutions	institution	NOUN
cjfa-48752	49	36	to	to	PART
cjfa-48752	49	37	unnecessary	unnecessary	ADJ
cjfa-48752	49	38	risks	risk	NOUN
cjfa-48752	49	39	by	by	ADP
cjfa-48752	49	40	granting	grant	VERB
cjfa-48752	49	41	loans	loan	NOUN
cjfa-48752	49	42	and	and	CCONJ
cjfa-48752	49	43	advances	advance	NOUN
cjfa-48752	49	44	,	,	PUNCT
cjfa-48752	49	45	so	so	ADV
cjfa-48752	49	46	,	,	PUNCT
cjfa-48752	49	47	the	the	DET
cjfa-48752	49	48	board	board	NOUN
cjfa-48752	49	49	is	be	AUX
cjfa-48752	49	50	also	also	ADV
cjfa-48752	49	51	responsible	responsible	ADJ
cjfa-48752	49	52	for	for	ADP
cjfa-48752	49	53	mitigating	mitigate	VERB
cjfa-48752	49	54	these	these	DET
cjfa-48752	49	55	risks	risk	NOUN
cjfa-48752	49	56	and	and	CCONJ
cjfa-48752	49	57	improving	improve	VERB
cjfa-48752	49	58	the	the	DET
cjfa-48752	49	59	financial	financial	ADJ
cjfa-48752	49	60	performance	performance	NOUN
cjfa-48752	49	61	of	of	ADP
cjfa-48752	49	62	these	these	DET
cjfa-48752	49	63	banks	bank	NOUN
cjfa-48752	49	64	.	.	PUNCT
cjfa-48752	50	1	the	the	DET
cjfa-48752	50	2	concept	concept	NOUN
cjfa-48752	50	3	of	of	ADP
cjfa-48752	50	4	resource	resource	NOUN
cjfa-48752	50	5	dependence	dependence	NOUN
cjfa-48752	50	6	states	state	VERB
cjfa-48752	50	7	that	that	SCONJ
cjfa-48752	50	8	a	a	DET
cjfa-48752	50	9	board	board	NOUN
cjfa-48752	50	10	member	member	NOUN
cjfa-48752	50	11	can	can	AUX
cjfa-48752	50	12	act	act	VERB
cjfa-48752	50	13	as	as	ADP
cjfa-48752	50	14	a	a	DET
cjfa-48752	50	15	resource	resource	NOUN
cjfa-48752	50	16	that	that	PRON
cjfa-48752	50	17	can	can	AUX
cjfa-48752	50	18	be	be	AUX
cjfa-48752	50	19	used	use	VERB
cjfa-48752	50	20	to	to	PART
cjfa-48752	50	21	replace	replace	VERB
cjfa-48752	50	22	other	other	ADJ
cjfa-48752	50	23	resources	resource	NOUN
cjfa-48752	50	24	or	or	CCONJ
cjfa-48752	50	25	change	change	VERB
cjfa-48752	50	26	the	the	DET
cjfa-48752	50	27	environment	environment	NOUN
cjfa-48752	50	28	;	;	PUNCT
cjfa-48752	50	29	enhance	enhance	VERB
cjfa-48752	50	30	the	the	DET
cjfa-48752	50	31	firm	firm	NOUN
cjfa-48752	50	32	’s	’s	PART
cjfa-48752	50	33	public	public	ADJ
cjfa-48752	50	34	image	image	NOUN
cjfa-48752	50	35	and	and	CCONJ
cjfa-48752	50	36	provide	provide	VERB
cjfa-48752	50	37	relevant	relevant	ADJ
cjfa-48752	50	38	expertise	expertise	NOUN
cjfa-48752	50	39	.	.	PUNCT
cjfa-48752	51	1	it	it	PRON
cjfa-48752	51	2	can	can	AUX
cjfa-48752	51	3	also	also	ADV
cjfa-48752	51	4	help	help	VERB
cjfa-48752	51	5	the	the	DET
cjfa-48752	51	6	firm	firm	ADJ
cjfa-48752	51	7	access	access	NOUN
cjfa-48752	51	8	capital	capital	NOUN
cjfa-48752	51	9	and	and	CCONJ
cjfa-48752	51	10	develop	develop	VERB
cjfa-48752	51	11	relationships	relationship	NOUN
cjfa-48752	51	12	with	with	ADP
cjfa-48752	51	13	other	other	ADJ
cjfa-48752	51	14	significant	significant	ADJ
cjfa-48752	51	15	entities	entity	NOUN
cjfa-48752	51	16	since	since	SCONJ
cjfa-48752	51	17	they	they	PRON
cjfa-48752	51	18	are	be	AUX
cjfa-48752	51	19	all	all	ADV
cjfa-48752	51	20	interrelated	interrelated	ADJ
cjfa-48752	51	21	(	(	PUNCT
cjfa-48752	51	22	bathula	bathula	NOUN
cjfa-48752	51	23	,	,	PUNCT
cjfa-48752	51	24	2008	2008	NUM
cjfa-48752	51	25	;	;	PUNCT
cjfa-48752	51	26	yusoff	yusoff	PROPN
cjfa-48752	51	27	&	&	CCONJ
cjfa-48752	51	28	alhaji	alhaji	PROPN
cjfa-48752	51	29	,	,	PUNCT
cjfa-48752	51	30	2012	2012	NUM
cjfa-48752	51	31	)	)	PUNCT
cjfa-48752	51	32	.	.	PUNCT
cjfa-48752	52	1	while	while	SCONJ
cjfa-48752	52	2	organizations	organization	NOUN
cjfa-48752	52	3	tend	tend	VERB
cjfa-48752	52	4	to	to	PART
cjfa-48752	52	5	take	take	VERB
cjfa-48752	52	6	advantage	advantage	NOUN
cjfa-48752	52	7	of	of	ADP
cjfa-48752	52	8	their	their	PRON
cjfa-48752	52	9	surroundings	surrounding	NOUN
cjfa-48752	52	10	by	by	ADP
cjfa-48752	52	11	appropriating	appropriate	VERB
cjfa-48752	52	12	resources	resource	NOUN
cjfa-48752	52	13	for	for	ADP
cjfa-48752	52	14	their	their	PRON
cjfa-48752	52	15	survival	survival	NOUN
cjfa-48752	52	16	,	,	PUNCT
cjfa-48752	52	17	boards	board	NOUN
cjfa-48752	52	18	are	be	AUX
cjfa-48752	52	19	also	also	ADV
cjfa-48752	52	20	beneficial	beneficial	ADJ
cjfa-48752	52	21	because	because	SCONJ
cjfa-48752	52	22	they	they	PRON
cjfa-48752	52	23	act	act	VERB
cjfa-48752	52	24	as	as	ADP
cjfa-48752	52	25	a	a	DET
cjfa-48752	52	26	conduit	conduit	NOUN
cjfa-48752	52	27	between	between	ADP
cjfa-48752	52	28	an	an	DET
cjfa-48752	52	29	organization	organization	NOUN
cjfa-48752	52	30	and	and	CCONJ
cjfa-48752	52	31	external	external	ADJ
cjfa-48752	52	32	resources	resource	NOUN
cjfa-48752	52	33	.	.	PUNCT
cjfa-48752	53	1	having	have	VERB
cjfa-48752	53	2	external	external	ADJ
cjfa-48752	53	3	directors	director	NOUN
cjfa-48752	53	4	on	on	ADP
cjfa-48752	53	5	the	the	DET
cjfa-48752	53	6	board	board	NOUN
cjfa-48752	53	7	helps	help	VERB
cjfa-48752	53	8	an	an	DET
cjfa-48752	53	9	organization	organization	NOUN
cjfa-48752	53	10	gain	gain	VERB
cjfa-48752	53	11	access	access	NOUN
cjfa-48752	53	12	to	to	ADP
cjfa-48752	53	13	important	important	ADJ
cjfa-48752	53	14	resources	resource	NOUN
cjfa-48752	53	15	,	,	PUNCT
cjfa-48752	53	16	which	which	PRON
cjfa-48752	53	17	are	be	AUX
cjfa-48752	53	18	vital	vital	ADJ
cjfa-48752	53	19	to	to	ADP
cjfa-48752	53	20	its	its	PRON
cjfa-48752	53	21	success	success	NOUN
cjfa-48752	53	22	(	(	PUNCT
cjfa-48752	53	23	sarens	saren	NOUN
cjfa-48752	53	24	&	&	CCONJ
cjfa-48752	53	25	merendino	merendino	NOUN
cjfa-48752	53	26	,	,	PUNCT
cjfa-48752	53	27	2016	2016	NUM
cjfa-48752	53	28	)	)	PUNCT
cjfa-48752	53	29	.	.	PUNCT
cjfa-48752	54	1	research	research	NOUN
cjfa-48752	54	2	methodologyresearch	methodologyresearch	NOUN
cjfa-48752	54	3	methodology	methodology	NOUN
cjfa-48752	54	4	ex	ex	NOUN
cjfa-48752	54	5	-	-	ADJ
cjfa-48752	54	6	post	post	ADJ
cjfa-48752	54	7	facto	facto	X
cjfa-48752	54	8	research	research	NOUN
cjfa-48752	54	9	design	design	NOUN
cjfa-48752	54	10	was	be	AUX
cjfa-48752	54	11	used	use	VERB
cjfa-48752	54	12	for	for	ADP
cjfa-48752	54	13	this	this	DET
cjfa-48752	54	14	study	study	NOUN
cjfa-48752	54	15	because	because	SCONJ
cjfa-48752	54	16	its	its	PRON
cjfa-48752	54	17	goal	goal	NOUN
cjfa-48752	54	18	is	be	AUX
cjfa-48752	54	19	to	to	PART
cjfa-48752	54	20	examine	examine	VERB
cjfa-48752	54	21	how	how	SCONJ
cjfa-48752	54	22	certain	certain	ADJ
cjfa-48752	54	23	independent	independent	ADJ
cjfa-48752	54	24	variables	variable	NOUN
cjfa-48752	54	25	affect	affect	VERB
cjfa-48752	54	26	a	a	DET
cjfa-48752	54	27	particular	particular	ADJ
cjfa-48752	54	28	dependent	dependent	ADJ
cjfa-48752	54	29	variable	variable	NOUN
cjfa-48752	54	30	and	and	CCONJ
cjfa-48752	54	31	the	the	DET
cjfa-48752	54	32	particular	particular	ADJ
cjfa-48752	54	33	traits	trait	NOUN
cjfa-48752	54	34	of	of	ADP
cjfa-48752	54	35	the	the	DET
cjfa-48752	54	36	variables	variable	NOUN
cjfa-48752	54	37	can	can	AUX
cjfa-48752	54	38	not	not	PART
cjfa-48752	54	39	be	be	AUX
cjfa-48752	54	40	manipulated	manipulate	VERB
cjfa-48752	54	41	.	.	PUNCT
cjfa-48752	55	1	for	for	ADP
cjfa-48752	55	2	the	the	DET
cjfa-48752	55	3	eight	eight	NUM
cjfa-48752	55	4	-	-	PUNCT
cjfa-48752	55	5	year	year	NOUN
cjfa-48752	55	6	period	period	NOUN
cjfa-48752	55	7	from	from	ADP
cjfa-48752	55	8	2014	2014	NUM
cjfa-48752	55	9	to	to	ADP
cjfa-48752	55	10	2021	2021	NUM
cjfa-48752	55	11	,	,	PUNCT
cjfa-48752	55	12	the	the	DET
cjfa-48752	55	13	population	population	NOUN
cjfa-48752	55	14	of	of	ADP
cjfa-48752	55	15	interest	interest	NOUN
cjfa-48752	55	16	for	for	ADP
cjfa-48752	55	17	this	this	DET
cjfa-48752	55	18	study	study	NOUN
cjfa-48752	55	19	included	include	VERB
cjfa-48752	55	20	the	the	DET
cjfa-48752	55	21	thirty	thirty	NUM
cjfa-48752	55	22	-	-	PUNCT
cjfa-48752	55	23	three	three	NUM
cjfa-48752	55	24	(	(	PUNCT
cjfa-48752	55	25	33	33	NUM
cjfa-48752	55	26	)	)	PUNCT
cjfa-48752	55	27	deposit	deposit	NOUN
cjfa-48752	55	28	money	money	NOUN
cjfa-48752	55	29	banks	bank	NOUN
cjfa-48752	55	30	as	as	ADP
cjfa-48752	55	31	of	of	ADP
cjfa-48752	55	32	december	december	PROPN
cjfa-48752	55	33	2021	2021	NUM
cjfa-48752	55	34	.	.	PUNCT
cjfa-48752	56	1	board	board	NOUN
cjfa-48752	56	2	characteristics	characteristic	NOUN
cjfa-48752	56	3	,	,	PUNCT
cjfa-48752	56	4	asset	asset	NOUN
cjfa-48752	56	5	quality	quality	NOUN
cjfa-48752	56	6	and	and	CCONJ
cjfa-48752	56	7	financial	financial	ADJ
cjfa-48752	56	8	performance	performance	NOUN
cjfa-48752	56	9	…	…	PUNCT
cjfa-48752	56	10	6969	6969	NUM
cjfa-48752	56	11	the	the	DET
cjfa-48752	56	12	target	target	NOUN
cjfa-48752	56	13	respondents	respondent	NOUN
cjfa-48752	56	14	(	(	PUNCT
cjfa-48752	56	15	sample	sample	NOUN
cjfa-48752	56	16	size	size	NOUN
cjfa-48752	56	17	)	)	PUNCT
cjfa-48752	56	18	is	be	AUX
cjfa-48752	56	19	20	20	NUM
cjfa-48752	56	20	money	money	NOUN
cjfa-48752	56	21	deposit	deposit	NOUN
cjfa-48752	56	22	banks	bank	NOUN
cjfa-48752	56	23	out	out	ADP
cjfa-48752	56	24	of	of	ADP
cjfa-48752	56	25	the	the	DET
cjfa-48752	56	26	33	33	NUM
cjfa-48752	56	27	dmbs	dmb	NOUN
cjfa-48752	56	28	.	.	PUNCT
cjfa-48752	57	1	the	the	DET
cjfa-48752	57	2	sample	sample	NOUN
cjfa-48752	57	3	size	size	NOUN
cjfa-48752	57	4	represents	represent	VERB
cjfa-48752	57	5	those	those	DET
cjfa-48752	57	6	deposit	deposit	NOUN
cjfa-48752	57	7	money	money	NOUN
cjfa-48752	57	8	banks	bank	NOUN
cjfa-48752	57	9	that	that	PRON
cjfa-48752	57	10	have	have	VERB
cjfa-48752	57	11	international	international	ADJ
cjfa-48752	57	12	,	,	PUNCT
cjfa-48752	57	13	national	national	ADJ
cjfa-48752	57	14	and	and	CCONJ
cjfa-48752	57	15	non	non	ADJ
cjfa-48752	57	16	-	-	ADJ
cjfa-48752	57	17	interest	interest	ADJ
cjfa-48752	57	18	banking	banking	NOUN
cjfa-48752	57	19	license	license	NOUN
cjfa-48752	57	20	.	.	PUNCT
cjfa-48752	58	1	considering	consider	VERB
cjfa-48752	58	2	the	the	DET
cjfa-48752	58	3	variables	variable	NOUN
cjfa-48752	58	4	to	to	PART
cjfa-48752	58	5	be	be	AUX
cjfa-48752	58	6	tested	test	VERB
cjfa-48752	58	7	for	for	ADP
cjfa-48752	58	8	this	this	DET
cjfa-48752	58	9	study	study	NOUN
cjfa-48752	58	10	,	,	PUNCT
cjfa-48752	58	11	regional	regional	ADJ
cjfa-48752	58	12	factors	factor	NOUN
cjfa-48752	58	13	could	could	AUX
cjfa-48752	58	14	influence	influence	VERB
cjfa-48752	58	15	the	the	DET
cjfa-48752	58	16	result	result	NOUN
cjfa-48752	58	17	which	which	PRON
cjfa-48752	58	18	made	make	VERB
cjfa-48752	58	19	the	the	DET
cjfa-48752	58	20	researcher	researcher	NOUN
cjfa-48752	58	21	to	to	PART
cjfa-48752	58	22	focus	focus	VERB
cjfa-48752	58	23	on	on	ADP
cjfa-48752	58	24	banks	bank	NOUN
cjfa-48752	58	25	with	with	ADP
cjfa-48752	58	26	international	international	ADJ
cjfa-48752	58	27	and	and	CCONJ
cjfa-48752	58	28	national	national	ADJ
cjfa-48752	58	29	license	license	NOUN
cjfa-48752	58	30	.	.	PUNCT
cjfa-48752	59	1	purposive	purposive	ADJ
cjfa-48752	59	2	sampling	sample	VERB
cjfa-48752	59	3	approach	approach	NOUN
cjfa-48752	59	4	was	be	AUX
cjfa-48752	59	5	employed	employ	VERB
cjfa-48752	59	6	to	to	PART
cjfa-48752	59	7	choose	choose	VERB
cjfa-48752	59	8	the	the	DET
cjfa-48752	59	9	aforementioned	aforementioned	ADJ
cjfa-48752	59	10	sample	sample	NOUN
cjfa-48752	59	11	size	size	NOUN
cjfa-48752	59	12	in	in	ADP
cjfa-48752	59	13	order	order	NOUN
cjfa-48752	59	14	to	to	PART
cjfa-48752	59	15	increase	increase	VERB
cjfa-48752	59	16	the	the	DET
cjfa-48752	59	17	population	population	NOUN
cjfa-48752	59	18	’s	’s	PART
cjfa-48752	59	19	representativeness	representativenes	VERB
cjfa-48752	59	20	and	and	CCONJ
cjfa-48752	59	21	meet	meet	VERB
cjfa-48752	59	22	the	the	DET
cjfa-48752	59	23	study	study	NOUN
cjfa-48752	59	24	’s	’s	PART
cjfa-48752	59	25	goals	goal	NOUN
cjfa-48752	59	26	.	.	PUNCT
cjfa-48752	60	1	the	the	DET
cjfa-48752	60	2	study	study	NOUN
cjfa-48752	60	3	also	also	ADV
cjfa-48752	60	4	used	use	VERB
cjfa-48752	60	5	a	a	DET
cjfa-48752	60	6	panel	panel	NOUN
cjfa-48752	60	7	least	least	ADJ
cjfa-48752	60	8	square	square	ADJ
cjfa-48752	60	9	regression	regression	NOUN
cjfa-48752	60	10	model	model	NOUN
cjfa-48752	60	11	,	,	PUNCT
cjfa-48752	60	12	because	because	SCONJ
cjfa-48752	60	13	the	the	DET
cjfa-48752	60	14	panel	panel	NOUN
cjfa-48752	60	15	least	least	ADJ
cjfa-48752	60	16	square	square	ADJ
cjfa-48752	60	17	regression	regression	NOUN
cjfa-48752	60	18	technique	technique	NOUN
cjfa-48752	60	19	is	be	AUX
cjfa-48752	60	20	effective	effective	ADJ
cjfa-48752	60	21	and	and	CCONJ
cjfa-48752	60	22	efficient	efficient	ADJ
cjfa-48752	60	23	at	at	ADP
cjfa-48752	60	24	calculating	calculate	VERB
cjfa-48752	60	25	the	the	DET
cjfa-48752	60	26	statistical	statistical	ADJ
cjfa-48752	60	27	link	link	NOUN
cjfa-48752	60	28	between	between	ADP
cjfa-48752	60	29	and	and	CCONJ
cjfa-48752	60	30	influence	influence	NOUN
cjfa-48752	60	31	of	of	ADP
cjfa-48752	60	32	one	one	NUM
cjfa-48752	60	33	variable	variable	NOUN
cjfa-48752	60	34	on	on	ADP
cjfa-48752	60	35	another	another	DET
cjfa-48752	60	36	variable	variable	NOUN
cjfa-48752	60	37	.	.	PUNCT
cjfa-48752	61	1	since	since	SCONJ
cjfa-48752	61	2	this	this	DET
cjfa-48752	61	3	study	study	NOUN
cjfa-48752	61	4	uses	use	VERB
cjfa-48752	61	5	panel	panel	NOUN
cjfa-48752	61	6	data	datum	NOUN
cjfa-48752	61	7	,	,	PUNCT
cjfa-48752	61	8	a	a	DET
cjfa-48752	61	9	pairwise	pairwise	NOUN
cjfa-48752	61	10	correlation	correlation	NOUN
cjfa-48752	61	11	test	test	NOUN
cjfa-48752	61	12	was	be	AUX
cjfa-48752	61	13	undertaken	undertake	VERB
cjfa-48752	61	14	before	before	ADP
cjfa-48752	61	15	the	the	DET
cjfa-48752	61	16	main	main	ADJ
cjfa-48752	61	17	analysis	analysis	NOUN
cjfa-48752	61	18	to	to	PART
cjfa-48752	61	19	determine	determine	VERB
cjfa-48752	61	20	the	the	DET
cjfa-48752	61	21	link	link	NOUN
cjfa-48752	61	22	between	between	ADP
cjfa-48752	61	23	the	the	DET
cjfa-48752	61	24	independent	independent	ADJ
cjfa-48752	61	25	and	and	CCONJ
cjfa-48752	61	26	dependent	dependent	ADJ
cjfa-48752	61	27	variables	variable	NOUN
cjfa-48752	61	28	as	as	ADV
cjfa-48752	61	29	well	well	ADV
cjfa-48752	61	30	as	as	ADP
cjfa-48752	61	31	to	to	PART
cjfa-48752	61	32	test	test	VERB
cjfa-48752	61	33	for	for	ADP
cjfa-48752	61	34	multi	multi	NOUN
cjfa-48752	61	35	-	-	NOUN
cjfa-48752	61	36	collinearity	collinearity	NOUN
cjfa-48752	61	37	among	among	ADP
cjfa-48752	61	38	the	the	DET
cjfa-48752	61	39	regressors	regressor	NOUN
cjfa-48752	61	40	in	in	ADP
cjfa-48752	61	41	accordance	accordance	NOUN
cjfa-48752	61	42	with	with	ADP
cjfa-48752	61	43	the	the	DET
cjfa-48752	61	44	traditional	traditional	ADJ
cjfa-48752	61	45	ols	ol	NOUN
cjfa-48752	61	46	assumption	assumption	NOUN
cjfa-48752	61	47	.	.	PUNCT
cjfa-48752	62	1	also	also	ADV
cjfa-48752	62	2	,	,	PUNCT
cjfa-48752	62	3	housman	housman	PROPN
cjfa-48752	62	4	testing	testing	NOUN
cjfa-48752	62	5	was	be	AUX
cjfa-48752	62	6	done	do	VERB
cjfa-48752	62	7	to	to	PART
cjfa-48752	62	8	choose	choose	VERB
cjfa-48752	62	9	between	between	ADP
cjfa-48752	62	10	fixed	fix	VERB
cjfa-48752	62	11	and	and	CCONJ
cjfa-48752	62	12	random	random	ADJ
cjfa-48752	62	13	effects	effect	NOUN
cjfa-48752	62	14	.	.	PUNCT
cjfa-48752	63	1	the	the	DET
cjfa-48752	63	2	model	model	NOUN
cjfa-48752	63	3	of	of	ADP
cjfa-48752	63	4	abdul	abdul	PROPN
cjfa-48752	63	5	gafoor	gafoor	PROPN
cjfa-48752	63	6	,	,	PUNCT
cjfa-48752	63	7	mariappan	mariappan	NOUN
cjfa-48752	63	8	and	and	CCONJ
cjfa-48752	63	9	thyagaraja	thyagaraja	NOUN
cjfa-48752	63	10	(	(	PUNCT
cjfa-48752	63	11	2018	2018	NUM
cjfa-48752	63	12	)	)	PUNCT
cjfa-48752	63	13	was	be	AUX
cjfa-48752	63	14	adapted	adapt	VERB
cjfa-48752	63	15	and	and	CCONJ
cjfa-48752	63	16	stated	state	VERB
cjfa-48752	63	17	as	as	ADP
cjfa-48752	63	18	:	:	PUNCT
cjfa-48752	63	19	roa	roa	PROPN
cjfa-48752	63	20	=	=	SYM
cjfa-48752	63	21	ƒ(bc	ƒ(bc	PROPN
cjfa-48752	63	22	,	,	PUNCT
cjfa-48752	63	23	aq	aq	NUM
cjfa-48752	63	24	)	)	PUNCT
cjfa-48752	63	25	(	(	PUNCT
cjfa-48752	63	26	1	1	X
cjfa-48752	63	27	)	)	PUNCT
cjfa-48752	63	28	roait	roait	NOUN
cjfa-48752	64	1	=	=	PUNCT
cjfa-48752	64	2	α	α	PROPN
cjfa-48752	65	1	+	+	X
cjfa-48752	65	2	β1bsizeit	β1bsizeit	PROPN
cjfa-48752	65	3	+	+	CCONJ
cjfa-48752	65	4	β2	β2	ADJ
cjfa-48752	65	5	bcreditit	bcreditit	NOUN
cjfa-48752	65	6	+	+	CCONJ
cjfa-48752	65	7	β3	β3	ADJ
cjfa-48752	65	8	nplit	nplit	NOUN
cjfa-48752	65	9	+	+	CCONJ
cjfa-48752	65	10	β4	β4	PROPN
cjfa-48752	65	11	levit	levit	PROPN
cjfa-48752	65	12	+	+	CCONJ
cjfa-48752	65	13	µit	µit	PROPN
cjfa-48752	65	14	(	(	PUNCT
cjfa-48752	65	15	2	2	NUM
cjfa-48752	65	16	)	)	PUNCT
cjfa-48752	66	1	where	where	SCONJ
cjfa-48752	66	2	:	:	PUNCT
cjfa-48752	66	3	roa	roa	PROPN
cjfa-48752	66	4	=	=	PUNCT
cjfa-48752	66	5	return	return	VERB
cjfa-48752	66	6	on	on	ADP
cjfa-48752	66	7	assets	asset	NOUN
cjfa-48752	66	8	of	of	ADP
cjfa-48752	66	9	bank	bank	NOUN
cjfa-48752	66	10	i	i	PRON
cjfa-48752	66	11	at	at	ADP
cjfa-48752	66	12	time	time	NOUN
cjfa-48752	66	13	t	t	PROPN
cjfa-48752	66	14	,	,	PUNCT
cjfa-48752	66	15	β0	β0	NOUN
cjfa-48752	66	16	=	=	NOUN
cjfa-48752	66	17	the	the	DET
cjfa-48752	66	18	intercept	intercept	NOUN
cjfa-48752	66	19	of	of	ADP
cjfa-48752	66	20	the	the	DET
cjfa-48752	66	21	equation	equation	NOUN
cjfa-48752	66	22	,	,	PUNCT
cjfa-48752	66	23	β1	β1	PROPN
cjfa-48752	66	24	-	-	PUNCT
cjfa-48752	66	25	4	4	NUM
cjfa-48752	66	26	=	=	NOUN
cjfa-48752	66	27	coefficient	coefficient	NOUN
cjfa-48752	66	28	of	of	ADP
cjfa-48752	66	29	the	the	DET
cjfa-48752	66	30	independent	independent	ADJ
cjfa-48752	66	31	variables	variable	NOUN
cjfa-48752	66	32	,	,	PUNCT
cjfa-48752	66	33	bsizeit	bsizeit	NOUN
cjfa-48752	66	34	=	=	SYM
cjfa-48752	66	35	board	board	NOUN
cjfa-48752	66	36	size	size	NOUN
cjfa-48752	66	37	of	of	ADP
cjfa-48752	66	38	bank	bank	NOUN
cjfa-48752	66	39	i	i	PRON
cjfa-48752	66	40	at	at	ADP
cjfa-48752	66	41	time	time	NOUN
cjfa-48752	66	42	t	t	PROPN
cjfa-48752	66	43	,	,	PUNCT
cjfa-48752	66	44	bcreditit	bcreditit	NOUN
cjfa-48752	66	45	=	=	PROPN
cjfa-48752	66	46	board	board	PROPN
cjfa-48752	66	47	credit	credit	NOUN
cjfa-48752	66	48	committee	committee	PROPN
cjfa-48752	66	49	of	of	ADP
cjfa-48752	66	50	bank	bank	PROPN
cjfa-48752	66	51	i	i	PRON
cjfa-48752	66	52	at	at	ADP
cjfa-48752	66	53	time	time	NOUN
cjfa-48752	66	54	t	t	PROPN
cjfa-48752	66	55	,	,	PUNCT
cjfa-48752	66	56	nplit	nplit	NOUN
cjfa-48752	66	57	=	=	SYM
cjfa-48752	66	58	non	non	ADJ
cjfa-48752	66	59	-	-	ADJ
cjfa-48752	66	60	performing	performing	ADJ
cjfa-48752	66	61	loan	loan	NOUN
cjfa-48752	66	62	of	of	ADP
cjfa-48752	66	63	bank	bank	NOUN
cjfa-48752	66	64	i	i	PRON
cjfa-48752	66	65	at	at	ADP
cjfa-48752	66	66	time	time	NOUN
cjfa-48752	66	67	t	t	PROPN
cjfa-48752	66	68	,	,	PUNCT
cjfa-48752	66	69	levit	levit	NOUN
cjfa-48752	66	70	=	=	PUNCT
cjfa-48752	66	71	leverage	leverage	NOUN
cjfa-48752	66	72	of	of	ADP
cjfa-48752	66	73	bank	bank	NOUN
cjfa-48752	66	74	i	i	PRON
cjfa-48752	66	75	at	at	ADP
cjfa-48752	66	76	time	time	NOUN
cjfa-48752	66	77	t	t	PROPN
cjfa-48752	66	78	,	,	PUNCT
cjfa-48752	66	79	μit	μit	NOUN
cjfa-48752	66	80	=	=	NOUN
cjfa-48752	66	81	error	error	NOUN
cjfa-48752	66	82	term	term	NOUN
cjfa-48752	66	83	.	.	PUNCT
cjfa-48752	67	1	y.	y.	PROPN
cjfa-48752	67	2	o.	o.	PROPN
cjfa-48752	67	3	quadri	quadri	PROPN
cjfa-48752	67	4	,	,	PUNCT
cjfa-48752	67	5	i.	i.	PROPN
cjfa-48752	67	6	o.	o.	PROPN
cjfa-48752	67	7	omotosho	omotosho	PROPN
cjfa-48752	67	8	,	,	PUNCT
cjfa-48752	67	9	d.	d.	PROPN
cjfa-48752	67	10	o.	o.	PROPN
cjfa-48752	67	11	saheed	sahee	VERB
cjfa-48752	67	12	,	,	PUNCT
cjfa-48752	67	13	b.	b.	PROPN
cjfa-48752	67	14	a.	a.	PROPN
cjfa-48752	67	15	adio7070	adio7070	PROPN
cjfa-48752	67	16	results	result	NOUN
cjfa-48752	67	17	results	result	VERB
cjfa-48752	67	18	descriptive	descriptive	ADJ
cjfa-48752	67	19	statisticsdescriptive	statisticsdescriptive	ADJ
cjfa-48752	67	20	statistics	statistics	PROPN
cjfa-48752	67	21	table	table	NOUN
cjfa-48752	67	22	1	1	NUM
cjfa-48752	67	23	.	.	PUNCT
cjfa-48752	67	24	descriptive	descriptive	ADJ
cjfa-48752	67	25	statistics	statistic	NOUN
cjfa-48752	67	26	of	of	ADP
cjfa-48752	67	27	the	the	DET
cjfa-48752	67	28	variables	variable	NOUN
cjfa-48752	67	29	roa	roa	PROPN
cjfa-48752	67	30	bcredit	bcredit	NOUN
cjfa-48752	67	31	bsize	bsize	VERB
cjfa-48752	67	32	lev	lev	PROPN
cjfa-48752	67	33	npl	npl	PROPN
cjfa-48752	67	34	mean	mean	NOUN
cjfa-48752	68	1	0.200603	0.200603	NUM
cjfa-48752	69	1	0.631272	0.631272	NUM
cjfa-48752	69	2	0.017804	0.017804	NUM
cjfa-48752	69	3	0.157511	0.157511	NUM
cjfa-48752	69	4	0.020841	0.020841	NUM
cjfa-48752	69	5	median	median	NOUN
cjfa-48752	69	6	0.184884	0.184884	NUM
cjfa-48752	69	7	0.598039	0.598039	NUM
cjfa-48752	69	8	0.015162	0.015162	NUM
cjfa-48752	69	9	0.095194	0.095194	NUM
cjfa-48752	69	10	0.011092	0.011092	NUM
cjfa-48752	69	11	maximum	maximum	ADJ
cjfa-48752	69	12	1.406169	1.406169	NUM
cjfa-48752	69	13	0.967756	0.967756	NUM
cjfa-48752	69	14	0.155460	0.155460	NUM
cjfa-48752	69	15	1.380923	1.380923	NUM
cjfa-48752	69	16	0.103418	0.103418	NUM
cjfa-48752	69	17	minimum	minimum	NOUN
cjfa-48752	69	18	0.000000	0.000000	NUM
cjfa-48752	69	19	0.121342	0.121342	NUM
cjfa-48752	69	20	-0.006346	-0.006346	ADJ
cjfa-48752	69	21	0.000000	0.000000	NUM
cjfa-48752	69	22	-0.024242	-0.024242	NOUN
cjfa-48752	69	23	std	std	PROPN
cjfa-48752	69	24	.	.	PROPN
cjfa-48752	69	25	dev	dev	PROPN
cjfa-48752	69	26	.	.	PUNCT
cjfa-48752	70	1	0.144541	0.144541	NUM
cjfa-48752	70	2	0.201748	0.201748	NUM
cjfa-48752	70	3	0.021434	0.021434	NUM
cjfa-48752	70	4	0.225172	0.225172	NUM
cjfa-48752	70	5	0.027076	0.027076	NUM
cjfa-48752	70	6	skewness	skewness	NOUN
cjfa-48752	70	7	5.450881	5.450881	NUM
cjfa-48752	70	8	-0.058050	-0.058050	NOUN
cjfa-48752	70	9	4.376248	4.376248	NUM
cjfa-48752	70	10	3.147126	3.147126	NUM
cjfa-48752	70	11	1.497519	1.497519	NUM
cjfa-48752	70	12	kurtosis	kurtosis	NOUN
cjfa-48752	70	13	44.17694	44.17694	NUM
cjfa-48752	70	14	2.281495	2.281495	NUM
cjfa-48752	70	15	28.99845	28.99845	NUM
cjfa-48752	70	16	13.80397	13.80397	NUM
cjfa-48752	70	17	4.982631	4.982631	NUM
cjfa-48752	70	18	sum	sum	NOUN
cjfa-48752	70	19	24.07236	24.07236	NUM
cjfa-48752	70	20	75.75268	75.75268	NUM
cjfa-48752	70	21	2.136526	2.136526	NUM
cjfa-48752	70	22	18.90130	18.90130	NUM
cjfa-48752	70	23	2.500935	2.500935	NUM
cjfa-48752	70	24	sum	sum	NOUN
cjfa-48752	70	25	sq	sq	PROPN
cjfa-48752	70	26	.	.	PROPN
cjfa-48752	70	27	dev	dev	PROPN
cjfa-48752	70	28	.	.	PUNCT
cjfa-48752	71	1	2.486170	2.486170	NUM
cjfa-48752	71	2	4.843589	4.843589	NUM
cjfa-48752	71	3	0.054672	0.054672	NUM
cjfa-48752	71	4	6.033588	6.033588	NUM
cjfa-48752	71	5	0.087238	0.087238	NUM
cjfa-48752	71	6	observations	observation	NOUN
cjfa-48752	71	7	120	120	NUM
cjfa-48752	71	8	120	120	NUM
cjfa-48752	71	9	120	120	NUM
cjfa-48752	71	10	120	120	NUM
cjfa-48752	71	11	120	120	NUM
cjfa-48752	71	12	s	s	NOUN
cjfa-48752	71	13	o	o	NOUN
cjfa-48752	71	14	u	u	NOUN
cjfa-48752	71	15	r	r	NOUN
cjfa-48752	71	16	c	c	NOUN
cjfa-48752	71	17	e	e	NOUN
cjfa-48752	71	18	:	:	PUNCT
cjfa-48752	71	19	author	author	PROPN
cjfa-48752	71	20	’s	’s	PART
cjfa-48752	71	21	computation	computation	NOUN
cjfa-48752	71	22	,	,	PUNCT
cjfa-48752	71	23	2022	2022	NUM
cjfa-48752	71	24	.	.	PUNCT
cjfa-48752	72	1	the	the	DET
cjfa-48752	72	2	mean	mean	ADJ
cjfa-48752	72	3	and	and	CCONJ
cjfa-48752	72	4	standard	standard	ADJ
cjfa-48752	72	5	deviation	deviation	NOUN
cjfa-48752	72	6	of	of	ADP
cjfa-48752	72	7	return	return	NOUN
cjfa-48752	72	8	on	on	ADP
cjfa-48752	72	9	asset	asset	NOUN
cjfa-48752	72	10	(	(	PUNCT
cjfa-48752	72	11	table	table	NOUN
cjfa-48752	72	12	1	1	NUM
cjfa-48752	72	13	)	)	PUNCT
cjfa-48752	72	14	are	be	AUX
cjfa-48752	72	15	0.2006	0.2006	NUM
cjfa-48752	72	16	and	and	CCONJ
cjfa-48752	72	17	0.1445	0.1445	NUM
cjfa-48752	72	18	respectively	respectively	ADV
cjfa-48752	72	19	indicating	indicate	VERB
cjfa-48752	72	20	that	that	SCONJ
cjfa-48752	72	21	the	the	DET
cjfa-48752	72	22	data	data	NOUN
cjfa-48752	72	23	depart	depart	NOUN
cjfa-48752	72	24	from	from	ADP
cjfa-48752	72	25	the	the	DET
cjfa-48752	72	26	mean	mean	NOUN
cjfa-48752	72	27	by	by	ADP
cjfa-48752	72	28	0.1445	0.1445	NUM
cjfa-48752	72	29	and	and	CCONJ
cjfa-48752	72	30	the	the	DET
cjfa-48752	72	31	data	datum	NOUN
cjfa-48752	72	32	are	be	AUX
cjfa-48752	72	33	clearly	clearly	ADV
cjfa-48752	72	34	substantially	substantially	ADV
cjfa-48752	72	35	distributed	distribute	VERB
cjfa-48752	72	36	from	from	ADP
cjfa-48752	72	37	the	the	DET
cjfa-48752	72	38	mean	mean	NOUN
cjfa-48752	72	39	.	.	PUNCT
cjfa-48752	73	1	the	the	DET
cjfa-48752	73	2	board	board	PROPN
cjfa-48752	73	3	credit	credit	NOUN
cjfa-48752	73	4	committee	committee	NOUN
cjfa-48752	73	5	’s	’s	PART
cjfa-48752	73	6	mean	mean	ADJ
cjfa-48752	73	7	score	score	NOUN
cjfa-48752	73	8	of	of	ADP
cjfa-48752	73	9	0.6313	0.6313	NUM
cjfa-48752	73	10	and	and	CCONJ
cjfa-48752	73	11	standard	standard	ADJ
cjfa-48752	73	12	deviation	deviation	NOUN
cjfa-48752	73	13	of	of	ADP
cjfa-48752	73	14	0.2017	0.2017	NUM
cjfa-48752	73	15	indicate	indicate	VERB
cjfa-48752	73	16	that	that	SCONJ
cjfa-48752	73	17	the	the	DET
cjfa-48752	73	18	sampled	sample	VERB
cjfa-48752	73	19	dmbs	dmb	NOUN
cjfa-48752	73	20	’	'	PUNCT
cjfa-48752	73	21	board	board	NOUN
cjfa-48752	73	22	credit	credit	NOUN
cjfa-48752	73	23	committees	committee	NOUN
cjfa-48752	73	24	differ	differ	VERB
cjfa-48752	73	25	from	from	ADP
cjfa-48752	73	26	the	the	DET
cjfa-48752	73	27	mean	mean	ADJ
cjfa-48752	73	28	value	value	NOUN
cjfa-48752	73	29	on	on	ADP
cjfa-48752	73	30	both	both	DET
cjfa-48752	73	31	sides	side	NOUN
cjfa-48752	73	32	by	by	ADP
cjfa-48752	73	33	0.2017	0.2017	NUM
cjfa-48752	73	34	.	.	PUNCT
cjfa-48752	74	1	the	the	DET
cjfa-48752	74	2	board	board	NOUN
cjfa-48752	74	3	sizes	size	NOUN
cjfa-48752	74	4	range	range	VERB
cjfa-48752	74	5	from	from	ADP
cjfa-48752	74	6	-0.0064	-0.0064	NOUN
cjfa-48752	74	7	to	to	ADP
cjfa-48752	74	8	0.1555	0.1555	NUM
cjfa-48752	74	9	,	,	PUNCT
cjfa-48752	74	10	with	with	ADP
cjfa-48752	74	11	an	an	DET
cjfa-48752	74	12	average	average	NOUN
cjfa-48752	74	13	of	of	ADP
cjfa-48752	74	14	0.0178	0.0178	NUM
cjfa-48752	74	15	and	and	CCONJ
cjfa-48752	74	16	a	a	DET
cjfa-48752	74	17	standard	standard	ADJ
cjfa-48752	74	18	deviation	deviation	NOUN
cjfa-48752	74	19	of	of	ADP
cjfa-48752	74	20	0.0214	0.0214	NUM
cjfa-48752	74	21	indicating	indicate	VERB
cjfa-48752	74	22	that	that	SCONJ
cjfa-48752	74	23	the	the	DET
cjfa-48752	74	24	value	value	NOUN
cjfa-48752	74	25	deviates	deviate	VERB
cjfa-48752	74	26	from	from	ADP
cjfa-48752	74	27	the	the	DET
cjfa-48752	74	28	mean	mean	NOUN
cjfa-48752	74	29	by	by	ADP
cjfa-48752	74	30	0.0214	0.0214	NUM
cjfa-48752	74	31	on	on	ADP
cjfa-48752	74	32	both	both	DET
cjfa-48752	74	33	ends	end	NOUN
cjfa-48752	74	34	,	,	PUNCT
cjfa-48752	74	35	showing	show	VERB
cjfa-48752	74	36	that	that	SCONJ
cjfa-48752	74	37	the	the	DET
cjfa-48752	74	38	data	data	NOUN
cjfa-48752	74	39	is	be	AUX
cjfa-48752	74	40	dispersed	disperse	VERB
cjfa-48752	74	41	from	from	ADP
cjfa-48752	74	42	the	the	DET
cjfa-48752	74	43	mean	mean	NOUN
cjfa-48752	74	44	because	because	SCONJ
cjfa-48752	74	45	the	the	DET
cjfa-48752	74	46	standard	standard	ADJ
cjfa-48752	74	47	deviation	deviation	NOUN
cjfa-48752	74	48	is	be	AUX
cjfa-48752	74	49	higher	high	ADJ
cjfa-48752	74	50	than	than	ADP
cjfa-48752	74	51	the	the	DET
cjfa-48752	74	52	mean	mean	NOUN
cjfa-48752	74	53	.	.	PUNCT
cjfa-48752	75	1	in	in	ADP
cjfa-48752	75	2	addition	addition	NOUN
cjfa-48752	75	3	,	,	PUNCT
cjfa-48752	75	4	the	the	DET
cjfa-48752	75	5	investigated	investigate	VERB
cjfa-48752	75	6	deposit	deposit	NOUN
cjfa-48752	75	7	money	money	NOUN
cjfa-48752	75	8	institutions	institution	NOUN
cjfa-48752	75	9	’	'	PUNCT
cjfa-48752	75	10	average	average	ADJ
cjfa-48752	75	11	leverage	leverage	NOUN
cjfa-48752	75	12	is	be	AUX
cjfa-48752	75	13	0.1575	0.1575	NUM
cjfa-48752	75	14	,	,	PUNCT
cjfa-48752	75	15	with	with	ADP
cjfa-48752	75	16	a	a	DET
cjfa-48752	75	17	standard	standard	ADJ
cjfa-48752	75	18	deviation	deviation	NOUN
cjfa-48752	75	19	of	of	ADP
cjfa-48752	75	20	0.2252	0.2252	NUM
cjfa-48752	75	21	while	while	SCONJ
cjfa-48752	75	22	asset	asset	NOUN
cjfa-48752	75	23	quality	quality	NOUN
cjfa-48752	75	24	has	have	VERB
cjfa-48752	75	25	an	an	DET
cjfa-48752	75	26	average	average	ADJ
cjfa-48752	75	27	value	value	NOUN
cjfa-48752	75	28	of	of	ADP
cjfa-48752	75	29	0.0208	0.0208	NUM
cjfa-48752	75	30	and	and	CCONJ
cjfa-48752	75	31	a	a	DET
cjfa-48752	75	32	standard	standard	ADJ
cjfa-48752	75	33	deviation	deviation	NOUN
cjfa-48752	75	34	of	of	ADP
cjfa-48752	75	35	0.0271	0.0271	NUM
cjfa-48752	75	36	.	.	PUNCT
cjfa-48752	76	1	accordingly	accordingly	ADV
cjfa-48752	76	2	,	,	PUNCT
cjfa-48752	76	3	the	the	DET
cjfa-48752	76	4	data	data	NOUN
cjfa-48752	76	5	is	be	AUX
cjfa-48752	76	6	not	not	PART
cjfa-48752	76	7	widely	widely	ADV
cjfa-48752	76	8	spread	spread	VERB
cjfa-48752	76	9	because	because	SCONJ
cjfa-48752	76	10	the	the	DET
cjfa-48752	76	11	standard	standard	ADJ
cjfa-48752	76	12	deviation	deviation	NOUN
cjfa-48752	76	13	is	be	AUX
cjfa-48752	76	14	just	just	ADV
cjfa-48752	76	15	a	a	DET
cjfa-48752	76	16	little	little	ADJ
cjfa-48752	76	17	bit	bit	NOUN
cjfa-48752	76	18	larger	large	ADJ
cjfa-48752	76	19	than	than	ADP
cjfa-48752	76	20	the	the	DET
cjfa-48752	76	21	mean	mean	NOUN
cjfa-48752	76	22	.	.	PUNCT
cjfa-48752	77	1	board	board	NOUN
cjfa-48752	77	2	characteristics	characteristic	NOUN
cjfa-48752	77	3	,	,	PUNCT
cjfa-48752	77	4	asset	asset	NOUN
cjfa-48752	77	5	quality	quality	NOUN
cjfa-48752	77	6	and	and	CCONJ
cjfa-48752	77	7	financial	financial	ADJ
cjfa-48752	77	8	performance	performance	NOUN
cjfa-48752	77	9	…	…	PUNCT
cjfa-48752	77	10	7171	7171	NUM
cjfa-48752	77	11	pairwise	pairwise	NOUN
cjfa-48752	77	12	correlationpairwise	correlationpairwise	NOUN
cjfa-48752	77	13	correlation	correlation	NOUN
cjfa-48752	77	14	table	table	NOUN
cjfa-48752	77	15	2	2	NUM
cjfa-48752	77	16	.	.	X
cjfa-48752	77	17	pairwise	pairwise	NOUN
cjfa-48752	77	18	correlation	correlation	NOUN
cjfa-48752	77	19	roa	roa	PROPN
cjfa-48752	77	20	bcredit	bcredit	NOUN
cjfa-48752	77	21	bsize	bsize	PROPN
cjfa-48752	77	22	npl	npl	PROPN
cjfa-48752	77	23	lev	lev	PROPN
cjfa-48752	77	24	roa	roa	PROPN
cjfa-48752	77	25	1.000000	1.000000	NUM
cjfa-48752	77	26	bcredit	bcredit	NOUN
cjfa-48752	77	27	0.209925	0.209925	NUM
cjfa-48752	77	28	1.000000	1.000000	NUM
cjfa-48752	77	29	bsize	bsize	NOUN
cjfa-48752	77	30	0.433825	0.433825	NUM
cjfa-48752	77	31	-0.072232	-0.072232	NOUN
cjfa-48752	77	32	1.000000	1.000000	NUM
cjfa-48752	77	33	npl	npl	PROPN
cjfa-48752	77	34	-0.085688	-0.085688	NOUN
cjfa-48752	77	35	-0.196612	-0.196612	PROPN
cjfa-48752	77	36	-0.241308	-0.241308	PROPN
cjfa-48752	78	1	1.000000	1.000000	NUM
cjfa-48752	78	2	lev	lev	NOUN
cjfa-48752	78	3	-0.105509	-0.105509	PROPN
cjfa-48752	78	4	-0.031066	-0.031066	PROPN
cjfa-48752	78	5	-0.004951	-0.004951	PUNCT
cjfa-48752	79	1	0.000496	0.000496	NUM
cjfa-48752	79	2	1.000000	1.000000	NUM
cjfa-48752	79	3	s	s	NOUN
cjfa-48752	79	4	o	o	NOUN
cjfa-48752	79	5	u	u	NOUN
cjfa-48752	79	6	r	r	NOUN
cjfa-48752	79	7	c	c	NOUN
cjfa-48752	79	8	e	e	NOUN
cjfa-48752	79	9	:	:	PUNCT
cjfa-48752	79	10	author	author	PROPN
cjfa-48752	79	11	’s	’s	PART
cjfa-48752	79	12	computation	computation	NOUN
cjfa-48752	79	13	,	,	PUNCT
cjfa-48752	79	14	2022	2022	NUM
cjfa-48752	79	15	.	.	PUNCT
cjfa-48752	79	16	table	table	NOUN
cjfa-48752	79	17	2	2	NUM
cjfa-48752	79	18	shows	show	VERB
cjfa-48752	79	19	that	that	SCONJ
cjfa-48752	79	20	the	the	DET
cjfa-48752	79	21	board	board	NOUN
cjfa-48752	79	22	credit	credit	NOUN
cjfa-48752	79	23	committee	committee	NOUN
cjfa-48752	79	24	has	have	VERB
cjfa-48752	79	25	a	a	DET
cjfa-48752	79	26	0.209925	0.209925	NUM
cjfa-48752	79	27	positive	positive	ADJ
cjfa-48752	79	28	correlation	correlation	NOUN
cjfa-48752	79	29	coefficient	coefficient	NOUN
cjfa-48752	79	30	with	with	ADP
cjfa-48752	79	31	return	return	NOUN
cjfa-48752	79	32	on	on	ADP
cjfa-48752	79	33	assets	asset	NOUN
cjfa-48752	79	34	.	.	PUNCT
cjfa-48752	80	1	this	this	PRON
cjfa-48752	80	2	suggests	suggest	VERB
cjfa-48752	80	3	that	that	SCONJ
cjfa-48752	80	4	the	the	DET
cjfa-48752	80	5	board	board	NOUN
cjfa-48752	80	6	credit	credit	NOUN
cjfa-48752	80	7	committee	committee	NOUN
cjfa-48752	80	8	and	and	CCONJ
cjfa-48752	80	9	return	return	NOUN
cjfa-48752	80	10	on	on	ADP
cjfa-48752	80	11	asset	asset	NOUN
cjfa-48752	80	12	have	have	VERB
cjfa-48752	80	13	a	a	DET
cjfa-48752	80	14	moderately	moderately	ADV
cjfa-48752	80	15	good	good	ADJ
cjfa-48752	80	16	association	association	NOUN
cjfa-48752	80	17	.	.	PUNCT
cjfa-48752	81	1	furthermore	furthermore	ADV
cjfa-48752	81	2	,	,	PUNCT
cjfa-48752	81	3	with	with	ADP
cjfa-48752	81	4	a	a	DET
cjfa-48752	81	5	correlation	correlation	NOUN
cjfa-48752	81	6	of	of	ADP
cjfa-48752	81	7	0.433825	0.433825	NUM
cjfa-48752	81	8	,	,	PUNCT
cjfa-48752	81	9	board	board	NOUN
cjfa-48752	81	10	size	size	NOUN
cjfa-48752	81	11	is	be	AUX
cjfa-48752	81	12	positively	positively	ADV
cjfa-48752	81	13	correlated	correlate	VERB
cjfa-48752	81	14	with	with	ADP
cjfa-48752	81	15	return	return	NOUN
cjfa-48752	81	16	on	on	ADP
cjfa-48752	81	17	asset	asset	NOUN
cjfa-48752	81	18	.	.	PUNCT
cjfa-48752	82	1	this	this	PRON
cjfa-48752	82	2	also	also	ADV
cjfa-48752	82	3	suggests	suggest	VERB
cjfa-48752	82	4	that	that	SCONJ
cjfa-48752	82	5	the	the	DET
cjfa-48752	82	6	return	return	NOUN
cjfa-48752	82	7	on	on	ADP
cjfa-48752	82	8	asset	asset	NOUN
cjfa-48752	82	9	and	and	CCONJ
cjfa-48752	82	10	board	board	NOUN
cjfa-48752	82	11	size	size	NOUN
cjfa-48752	82	12	have	have	VERB
cjfa-48752	82	13	a	a	DET
cjfa-48752	82	14	moderate	moderate	ADJ
cjfa-48752	82	15	relationship	relationship	NOUN
cjfa-48752	82	16	.	.	PUNCT
cjfa-48752	83	1	the	the	DET
cjfa-48752	83	2	return	return	NOUN
cjfa-48752	83	3	on	on	ADP
cjfa-48752	83	4	asset	asset	NOUN
cjfa-48752	83	5	is	be	AUX
cjfa-48752	83	6	similarly	similarly	ADV
cjfa-48752	83	7	positively	positively	ADV
cjfa-48752	83	8	correlated	correlate	VERB
cjfa-48752	83	9	with	with	ADP
cjfa-48752	83	10	financial	financial	ADJ
cjfa-48752	83	11	skill	skill	NOUN
cjfa-48752	83	12	and	and	CCONJ
cjfa-48752	83	13	bank	bank	NOUN
cjfa-48752	83	14	size	size	NOUN
cjfa-48752	83	15	,	,	PUNCT
cjfa-48752	83	16	with	with	ADP
cjfa-48752	83	17	coefficients	coefficient	NOUN
cjfa-48752	83	18	of	of	ADP
cjfa-48752	83	19	0.158134	0.158134	NUM
cjfa-48752	83	20	and	and	CCONJ
cjfa-48752	83	21	0.016845	0.016845	NUM
cjfa-48752	83	22	,	,	PUNCT
cjfa-48752	83	23	respectively	respectively	ADV
cjfa-48752	83	24	.	.	PUNCT
cjfa-48752	84	1	asset	asset	NOUN
cjfa-48752	84	2	quality	quality	NOUN
cjfa-48752	84	3	and	and	CCONJ
cjfa-48752	84	4	leverage	leverage	NOUN
cjfa-48752	84	5	,	,	PUNCT
cjfa-48752	84	6	on	on	ADP
cjfa-48752	84	7	the	the	DET
cjfa-48752	84	8	other	other	ADJ
cjfa-48752	84	9	hand	hand	NOUN
cjfa-48752	84	10	,	,	PUNCT
cjfa-48752	84	11	are	be	AUX
cjfa-48752	84	12	inversely	inversely	ADV
cjfa-48752	84	13	connected	connect	VERB
cjfa-48752	84	14	with	with	ADP
cjfa-48752	84	15	return	return	NOUN
cjfa-48752	84	16	on	on	ADP
cjfa-48752	84	17	assets	asset	NOUN
cjfa-48752	84	18	.	.	PUNCT
cjfa-48752	85	1	this	this	PRON
cjfa-48752	85	2	demonstrated	demonstrate	VERB
cjfa-48752	85	3	the	the	DET
cjfa-48752	85	4	fact	fact	NOUN
cjfa-48752	85	5	that	that	SCONJ
cjfa-48752	85	6	the	the	DET
cjfa-48752	85	7	variables	variable	NOUN
cjfa-48752	85	8	and	and	CCONJ
cjfa-48752	85	9	the	the	DET
cjfa-48752	85	10	return	return	NOUN
cjfa-48752	85	11	on	on	ADP
cjfa-48752	85	12	asset	asset	NOUN
cjfa-48752	85	13	have	have	AUX
cjfa-48752	85	14	a	a	DET
cjfa-48752	85	15	negative	negative	ADJ
cjfa-48752	85	16	relationship	relationship	NOUN
cjfa-48752	85	17	.	.	PUNCT
cjfa-48752	86	1	pairwise	pairwise	NOUN
cjfa-48752	86	2	correlation	correlation	NOUN
cjfa-48752	86	3	was	be	AUX
cjfa-48752	86	4	used	use	VERB
cjfa-48752	86	5	in	in	ADP
cjfa-48752	86	6	this	this	DET
cjfa-48752	86	7	study	study	NOUN
cjfa-48752	86	8	to	to	PART
cjfa-48752	86	9	investigate	investigate	VERB
cjfa-48752	86	10	the	the	DET
cjfa-48752	86	11	latent	latent	NOUN
cjfa-48752	86	12	components	component	NOUN
cjfa-48752	86	13	through	through	ADP
cjfa-48752	86	14	a	a	DET
cjfa-48752	86	15	correlation	correlation	NOUN
cjfa-48752	86	16	matrix	matrix	NOUN
cjfa-48752	86	17	in	in	ADP
cjfa-48752	86	18	order	order	NOUN
cjfa-48752	86	19	to	to	PART
cjfa-48752	86	20	find	find	VERB
cjfa-48752	86	21	multicollinearity	multicollinearity	NOUN
cjfa-48752	86	22	.	.	PUNCT
cjfa-48752	87	1	a	a	DET
cjfa-48752	87	2	correlation	correlation	NOUN
cjfa-48752	87	3	coefficient	coefficient	NOUN
cjfa-48752	87	4	of	of	ADP
cjfa-48752	87	5	0.90	0.90	NUM
cjfa-48752	87	6	and	and	CCONJ
cjfa-48752	87	7	above	above	ADV
cjfa-48752	87	8	,	,	PUNCT
cjfa-48752	87	9	according	accord	VERB
cjfa-48752	87	10	to	to	ADP
cjfa-48752	87	11	hair	hair	NOUN
cjfa-48752	87	12	,	,	PUNCT
cjfa-48752	87	13	black	black	ADJ
cjfa-48752	87	14	,	,	PUNCT
cjfa-48752	87	15	babin	babin	PROPN
cjfa-48752	87	16	and	and	CCONJ
cjfa-48752	87	17	anderson	anderson	PROPN
cjfa-48752	87	18	(	(	PUNCT
cjfa-48752	87	19	2010	2010	NUM
cjfa-48752	87	20	)	)	PUNCT
cjfa-48752	87	21	,	,	PUNCT
cjfa-48752	87	22	implies	imply	VERB
cjfa-48752	87	23	multicollinearity	multicollinearity	NOUN
cjfa-48752	87	24	between	between	ADP
cjfa-48752	87	25	exogenous	exogenous	ADJ
cjfa-48752	87	26	latent	latent	NOUN
cjfa-48752	87	27	components	component	NOUN
cjfa-48752	87	28	.	.	PUNCT
cjfa-48752	88	1	the	the	DET
cjfa-48752	88	2	result	result	NOUN
cjfa-48752	88	3	demonstrates	demonstrate	VERB
cjfa-48752	88	4	that	that	SCONJ
cjfa-48752	88	5	the	the	DET
cjfa-48752	88	6	variables	variable	NOUN
cjfa-48752	88	7	do	do	AUX
cjfa-48752	88	8	not	not	PART
cjfa-48752	88	9	multi	multi	VERB
cjfa-48752	88	10	-	-	ADJ
cjfa-48752	88	11	collinear	collinear	ADJ
cjfa-48752	88	12	.	.	PUNCT
cjfa-48752	89	1	y.	y.	PROPN
cjfa-48752	89	2	o.	o.	PROPN
cjfa-48752	89	3	quadri	quadri	PROPN
cjfa-48752	89	4	,	,	PUNCT
cjfa-48752	89	5	i.	i.	PROPN
cjfa-48752	89	6	o.	o.	PROPN
cjfa-48752	89	7	omotosho	omotosho	PROPN
cjfa-48752	89	8	,	,	PUNCT
cjfa-48752	89	9	d.	d.	PROPN
cjfa-48752	89	10	o.	o.	PROPN
cjfa-48752	89	11	saheed	sahee	VERB
cjfa-48752	89	12	,	,	PUNCT
cjfa-48752	89	13	b.	b.	PROPN
cjfa-48752	89	14	a.	a.	NOUN
cjfa-48752	89	15	adio7272	adio7272	PROPN
cjfa-48752	89	16	regression	regression	NOUN
cjfa-48752	89	17	resultregression	resultregression	NOUN
cjfa-48752	89	18	result	result	PROPN
cjfa-48752	89	19	hausman	hausman	PROPN
cjfa-48752	89	20	testhausman	testhausman	PROPN
cjfa-48752	89	21	test	test	NOUN
cjfa-48752	89	22	table	table	NOUN
cjfa-48752	89	23	3	3	PROPN
cjfa-48752	89	24	.	.	PUNCT
cjfa-48752	89	25	hausman	hausman	PROPN
cjfa-48752	89	26	test	test	PROPN
cjfa-48752	89	27	test	test	NOUN
cjfa-48752	89	28	summary	summary	NOUN
cjfa-48752	89	29	chi	chi	PROPN
cjfa-48752	89	30	-	-	PUNCT
cjfa-48752	89	31	sq	sq	PROPN
cjfa-48752	89	32	.	.	PROPN
cjfa-48752	89	33	statistic	statistic	ADJ
cjfa-48752	89	34	chi	chi	PROPN
cjfa-48752	89	35	-	-	PUNCT
cjfa-48752	89	36	sq	sq	PROPN
cjfa-48752	89	37	.	.	PUNCT
cjfa-48752	89	38	d.f	d.f	PROPN
cjfa-48752	89	39	.	.	PROPN
cjfa-48752	89	40	prob	prob	PROPN
cjfa-48752	89	41	.	.	PUNCT
cjfa-48752	90	1	cross	cross	ADJ
cjfa-48752	90	2	-	-	ADJ
cjfa-48752	90	3	section	section	ADJ
cjfa-48752	90	4	random	random	ADJ
cjfa-48752	90	5	7.945486	7.945486	NUM
cjfa-48752	90	6	7	7	NUM
cjfa-48752	90	7	0.3374	0.3374	NUM
cjfa-48752	90	8	cross	cross	ADJ
cjfa-48752	90	9	-	-	ADJ
cjfa-48752	90	10	section	section	ADJ
cjfa-48752	90	11	random	random	ADJ
cjfa-48752	90	12	effects	effect	NOUN
cjfa-48752	90	13	test	test	NOUN
cjfa-48752	90	14	comparisons	comparison	NOUN
cjfa-48752	90	15	:	:	PUNCT
cjfa-48752	90	16	variable	variable	NOUN
cjfa-48752	90	17	fixed	fix	VERB
cjfa-48752	90	18	random	random	ADJ
cjfa-48752	90	19	var(diff	var(diff	NOUN
cjfa-48752	90	20	.	.	PUNCT
cjfa-48752	90	21	)	)	PUNCT
cjfa-48752	91	1	prob	prob	PROPN
cjfa-48752	91	2	.	.	PUNCT
cjfa-48752	91	3	bcredit	bcredit	NOUN
cjfa-48752	91	4	0.229470	0.229470	NUM
cjfa-48752	91	5	0.205724	0.205724	NUM
cjfa-48752	91	6	0.001283	0.001283	NUM
cjfa-48752	91	7	0.5073	0.5073	NUM
cjfa-48752	91	8	bsize	bsize	VERB
cjfa-48752	91	9	2.863055	2.863055	NUM
cjfa-48752	91	10	2.891225	2.891225	NUM
cjfa-48752	91	11	0.059302	0.059302	NUM
cjfa-48752	91	12	0.9079	0.9079	NUM
cjfa-48752	91	13	lev	lev	NOUN
cjfa-48752	91	14	0.059837	0.059837	NUM
cjfa-48752	91	15	0.028885	0.028885	NUM
cjfa-48752	91	16	0.003166	0.003166	NUM
cjfa-48752	91	17	0.5823	0.5823	NUM
cjfa-48752	91	18	npl	npl	PROPN
cjfa-48752	91	19	0.566834	0.566834	PROPN
cjfa-48752	91	20	-0.098868	-0.098868	VERB
cjfa-48752	91	21	0.132305	0.132305	NUM
cjfa-48752	91	22	0.0672	0.0672	NUM
cjfa-48752	91	23	s	s	NOUN
cjfa-48752	91	24	o	o	X
cjfa-48752	91	25	u	u	NOUN
cjfa-48752	91	26	r	r	NOUN
cjfa-48752	91	27	c	c	NOUN
cjfa-48752	91	28	e	e	NOUN
cjfa-48752	91	29	:	:	PUNCT
cjfa-48752	91	30	author	author	PROPN
cjfa-48752	91	31	’s	’s	PART
cjfa-48752	91	32	computation	computation	NOUN
cjfa-48752	91	33	,	,	PUNCT
cjfa-48752	91	34	2022	2022	NUM
cjfa-48752	91	35	.	.	PUNCT
cjfa-48752	92	1	the	the	DET
cjfa-48752	92	2	endogenous	endogenous	ADJ
cjfa-48752	92	3	regressors	regressor	NOUN
cjfa-48752	92	4	were	be	AUX
cjfa-48752	92	5	tested	test	VERB
cjfa-48752	92	6	using	use	VERB
cjfa-48752	92	7	the	the	DET
cjfa-48752	92	8	hausman	hausman	ADJ
cjfa-48752	92	9	specification	specification	NOUN
cjfa-48752	92	10	test	test	NOUN
cjfa-48752	92	11	,	,	PUNCT
cjfa-48752	92	12	the	the	DET
cjfa-48752	92	13	results	result	NOUN
cjfa-48752	92	14	of	of	ADP
cjfa-48752	92	15	which	which	PRON
cjfa-48752	92	16	are	be	AUX
cjfa-48752	92	17	shown	show	VERB
cjfa-48752	92	18	in	in	ADP
cjfa-48752	92	19	table	table	NOUN
cjfa-48752	92	20	3	3	NUM
cjfa-48752	92	21	.	.	PUNCT
cjfa-48752	93	1	it	it	PRON
cjfa-48752	93	2	is	be	AUX
cjfa-48752	93	3	possible	possible	ADJ
cjfa-48752	93	4	to	to	PART
cjfa-48752	93	5	verify	verify	VERB
cjfa-48752	93	6	that	that	SCONJ
cjfa-48752	93	7	there	there	PRON
cjfa-48752	93	8	is	be	VERB
cjfa-48752	93	9	no	no	DET
cjfa-48752	93	10	relationship	relationship	NOUN
cjfa-48752	93	11	between	between	ADP
cjfa-48752	93	12	a	a	DET
cjfa-48752	93	13	predictor	predictor	NOUN
cjfa-48752	93	14	variable	variable	NOUN
cjfa-48752	93	15	and	and	CCONJ
cjfa-48752	93	16	an	an	DET
cjfa-48752	93	17	error	error	NOUN
cjfa-48752	93	18	term	term	NOUN
cjfa-48752	93	19	by	by	ADP
cjfa-48752	93	20	determining	determine	VERB
cjfa-48752	93	21	the	the	DET
cjfa-48752	93	22	values	value	NOUN
cjfa-48752	93	23	of	of	ADP
cjfa-48752	93	24	the	the	DET
cjfa-48752	93	25	endogenous	endogenous	ADJ
cjfa-48752	93	26	regressors	regressor	NOUN
cjfa-48752	93	27	that	that	PRON
cjfa-48752	93	28	are	be	AUX
cjfa-48752	93	29	influenced	influence	VERB
cjfa-48752	93	30	by	by	ADP
cjfa-48752	93	31	other	other	ADJ
cjfa-48752	93	32	factors	factor	NOUN
cjfa-48752	93	33	in	in	ADP
cjfa-48752	93	34	the	the	DET
cjfa-48752	93	35	system	system	NOUN
cjfa-48752	93	36	.	.	PUNCT
cjfa-48752	94	1	table	table	NOUN
cjfa-48752	94	2	3	3	NUM
cjfa-48752	94	3	shows	show	VERB
cjfa-48752	94	4	that	that	SCONJ
cjfa-48752	94	5	the	the	DET
cjfa-48752	94	6	chi2	chi2	NOUN
cjfa-48752	94	7	value	value	NOUN
cjfa-48752	94	8	is	be	AUX
cjfa-48752	94	9	more	more	ADJ
cjfa-48752	94	10	than	than	ADP
cjfa-48752	94	11	the	the	DET
cjfa-48752	94	12	significant	significant	ADJ
cjfa-48752	94	13	margin	margin	NOUN
cjfa-48752	94	14	of	of	ADP
cjfa-48752	94	15	0.0500	0.0500	NUM
cjfa-48752	94	16	,	,	PUNCT
cjfa-48752	94	17	at	at	ADP
cjfa-48752	94	18	7.9454	7.9454	NUM
cjfa-48752	94	19	with	with	ADP
cjfa-48752	94	20	a	a	DET
cjfa-48752	94	21	probability	probability	NOUN
cjfa-48752	94	22	of	of	ADP
cjfa-48752	94	23	0.3374	0.3374	NUM
cjfa-48752	94	24	.	.	PUNCT
cjfa-48752	95	1	the	the	DET
cjfa-48752	95	2	null	null	ADJ
cjfa-48752	95	3	hypothesis	hypothesis	NOUN
cjfa-48752	95	4	,	,	PUNCT
cjfa-48752	95	5	which	which	PRON
cjfa-48752	95	6	states	state	VERB
cjfa-48752	95	7	that	that	SCONJ
cjfa-48752	95	8	the	the	DET
cjfa-48752	95	9	discrepancy	discrepancy	NOUN
cjfa-48752	95	10	in	in	ADP
cjfa-48752	95	11	coefficients	coefficient	NOUN
cjfa-48752	95	12	is	be	AUX
cjfa-48752	95	13	not	not	PART
cjfa-48752	95	14	systematic	systematic	ADJ
cjfa-48752	95	15	,	,	PUNCT
cjfa-48752	95	16	is	be	AUX
cjfa-48752	95	17	therefore	therefore	ADV
cjfa-48752	95	18	accepted	accept	VERB
cjfa-48752	95	19	.	.	PUNCT
cjfa-48752	96	1	the	the	DET
cjfa-48752	96	2	results	result	NOUN
cjfa-48752	96	3	lead	lead	VERB
cjfa-48752	96	4	to	to	ADP
cjfa-48752	96	5	the	the	DET
cjfa-48752	96	6	recognition	recognition	NOUN
cjfa-48752	96	7	and	and	CCONJ
cjfa-48752	96	8	understanding	understanding	NOUN
cjfa-48752	96	9	of	of	ADP
cjfa-48752	96	10	the	the	DET
cjfa-48752	96	11	random	random	ADJ
cjfa-48752	96	12	effect	effect	NOUN
cjfa-48752	96	13	as	as	ADP
cjfa-48752	96	14	the	the	DET
cjfa-48752	96	15	most	most	ADV
cjfa-48752	96	16	suitable	suitable	ADJ
cjfa-48752	96	17	model	model	NOUN
cjfa-48752	96	18	.	.	PUNCT
cjfa-48752	97	1	board	board	NOUN
cjfa-48752	97	2	characteristics	characteristic	NOUN
cjfa-48752	97	3	,	,	PUNCT
cjfa-48752	97	4	asset	asset	NOUN
cjfa-48752	97	5	quality	quality	NOUN
cjfa-48752	97	6	and	and	CCONJ
cjfa-48752	97	7	financial	financial	ADJ
cjfa-48752	97	8	performance	performance	NOUN
cjfa-48752	97	9	…	…	SYM
cjfa-48752	97	10	7373	7373	NUM
cjfa-48752	97	11	panel	panel	NOUN
cjfa-48752	97	12	least	least	ADJ
cjfa-48752	97	13	squares	square	NOUN
cjfa-48752	97	14	regression	regression	NOUN
cjfa-48752	97	15	resultpanel	resultpanel	NOUN
cjfa-48752	97	16	least	least	ADJ
cjfa-48752	97	17	squares	square	NOUN
cjfa-48752	97	18	regression	regression	NOUN
cjfa-48752	97	19	result	result	NOUN
cjfa-48752	97	20	table	table	NOUN
cjfa-48752	97	21	4	4	NUM
cjfa-48752	97	22	.	.	X
cjfa-48752	98	1	panel	panel	NOUN
cjfa-48752	98	2	least	least	ADJ
cjfa-48752	98	3	square	square	ADJ
cjfa-48752	98	4	regression	regression	NOUN
cjfa-48752	98	5	variable	variable	ADJ
cjfa-48752	98	6	coefficient	coefficient	NOUN
cjfa-48752	98	7	std	std	NOUN
cjfa-48752	98	8	.	.	NOUN
cjfa-48752	98	9	error	error	NOUN
cjfa-48752	98	10	t	t	NOUN
cjfa-48752	98	11	-	-	PUNCT
cjfa-48752	98	12	statistic	statistic	NOUN
cjfa-48752	98	13	prob	prob	NOUN
cjfa-48752	98	14	.	.	PUNCT
cjfa-48752	99	1	c	c	NOUN
cjfa-48752	99	2	0.339927	0.339927	NUM
cjfa-48752	99	3	0.078649	0.078649	NUM
cjfa-48752	99	4	4.322085	4.322085	NUM
cjfa-48752	99	5	0.0000	0.0000	NUM
cjfa-48752	99	6	bcredit	bcredit	NOUN
cjfa-48752	99	7	0.229470	0.229470	NUM
cjfa-48752	99	8	0.078170	0.078170	NUM
cjfa-48752	99	9	2.935546	2.935546	NUM
cjfa-48752	99	10	0.0042	0.0042	NUM
cjfa-48752	99	11	bsize	bsize	VERB
cjfa-48752	99	12	2.863055	2.863055	NUM
cjfa-48752	99	13	0.684794	0.684794	NUM
cjfa-48752	99	14	4.180899	4.180899	NUM
cjfa-48752	99	15	0.0001	0.0001	NUM
cjfa-48752	99	16	lev	lev	NOUN
cjfa-48752	99	17	-0.059837	-0.059837	NOUN
cjfa-48752	99	18	0.079647	0.079647	NUM
cjfa-48752	99	19	-0.751279	-0.751279	NOUN
cjfa-48752	99	20	0.4545	0.4545	NUM
cjfa-48752	99	21	npl	npl	NOUN
cjfa-48752	99	22	-0.566834	-0.566834	NOUN
cjfa-48752	99	23	0.605568	0.605568	NUM
cjfa-48752	99	24	-0.936038	-0.936038	NOUN
cjfa-48752	99	25	0.0318	0.0318	NUM
cjfa-48752	99	26	effects	effect	NOUN
cjfa-48752	99	27	specification	specification	NOUN
cjfa-48752	99	28	r	r	NOUN
cjfa-48752	99	29	-	-	PUNCT
cjfa-48752	99	30	squared	square	VERB
cjfa-48752	99	31	0.419988	0.419988	NUM
cjfa-48752	99	32	mean	mean	NOUN
cjfa-48752	99	33	dependent	dependent	ADJ
cjfa-48752	99	34	var	var	NOUN
cjfa-48752	99	35	0.200603	0.200603	NUM
cjfa-48752	100	1	adjusted	adjusted	ADJ
cjfa-48752	100	2	r	r	NOUN
cjfa-48752	100	3	-	-	PUNCT
cjfa-48752	100	4	squared	square	VERB
cjfa-48752	100	5	0.215666	0.215666	NUM
cjfa-48752	100	6	s.d	s.d	PROPN
cjfa-48752	100	7	.	.	PUNCT
cjfa-48752	101	1	dependent	dependent	ADJ
cjfa-48752	101	2	var	var	NOUN
cjfa-48752	101	3	0.144541	0.144541	NUM
cjfa-48752	102	1	s.e	s.e	PROPN
cjfa-48752	102	2	.	.	PROPN
cjfa-48752	102	3	of	of	ADP
cjfa-48752	102	4	regression	regression	NOUN
cjfa-48752	102	5	0.128010	0.128010	NUM
cjfa-48752	102	6	akaike	akaike	ADJ
cjfa-48752	102	7	info	info	NOUN
cjfa-48752	102	8	criterion	criterion	NOUN
cjfa-48752	102	9	-1.050244	-1.050244	NOUN
cjfa-48752	102	10	sum	sum	PROPN
cjfa-48752	102	11	squared	square	VERB
cjfa-48752	102	12	resid	resid	VERB
cjfa-48752	102	13	1.442009	1.442009	NUM
cjfa-48752	102	14	schwarz	schwarz	NOUN
cjfa-48752	102	15	criterion	criterion	NOUN
cjfa-48752	102	16	-0.306913	-0.306913	PROPN
cjfa-48752	103	1	log	log	PROPN
cjfa-48752	103	2	likelihood	likelihood	NOUN
cjfa-48752	103	3	95.01466	95.01466	NUM
cjfa-48752	103	4	hannan	hannan	PROPN
cjfa-48752	103	5	-	-	PUNCT
cjfa-48752	103	6	quinn	quinn	PROPN
cjfa-48752	103	7	criter	criter	NOUN
cjfa-48752	103	8	.	.	PUNCT
cjfa-48752	104	1	-0.748374	-0.748374	NOUN
cjfa-48752	105	1	f	f	X
cjfa-48752	105	2	-	-	PUNCT
cjfa-48752	105	3	statistic	statistic	ADJ
cjfa-48752	105	4	2.055516	2.055516	NUM
cjfa-48752	105	5	durbin	durbin	ADJ
cjfa-48752	105	6	-	-	PUNCT
cjfa-48752	105	7	watson	watson	NOUN
cjfa-48752	105	8	stat	stat	PROPN
cjfa-48752	105	9	2.045079	2.045079	NUM
cjfa-48752	105	10	prob(f	prob(f	PROPN
cjfa-48752	105	11	-	-	PUNCT
cjfa-48752	105	12	statistic	statistic	NOUN
cjfa-48752	105	13	)	)	PUNCT
cjfa-48752	105	14	0.004683	0.004683	NUM
cjfa-48752	105	15	s	s	PART
cjfa-48752	105	16	o	o	NOUN
cjfa-48752	105	17	u	u	NOUN
cjfa-48752	105	18	r	r	NOUN
cjfa-48752	105	19	c	c	NOUN
cjfa-48752	105	20	e	e	NOUN
cjfa-48752	105	21	:	:	PUNCT
cjfa-48752	105	22	author	author	PROPN
cjfa-48752	105	23	’s	’s	PART
cjfa-48752	105	24	computation	computation	NOUN
cjfa-48752	105	25	,	,	PUNCT
cjfa-48752	105	26	2022	2022	NUM
cjfa-48752	105	27	.	.	PUNCT
cjfa-48752	106	1	discussion	discussion	NOUN
cjfa-48752	106	2	of	of	ADP
cjfa-48752	106	3	findingsdiscussion	findingsdiscussion	NOUN
cjfa-48752	106	4	of	of	ADP
cjfa-48752	106	5	findings	finding	NOUN
cjfa-48752	106	6	the	the	DET
cjfa-48752	106	7	study	study	NOUN
cjfa-48752	106	8	analyzed	analyze	VERB
cjfa-48752	106	9	the	the	DET
cjfa-48752	106	10	data	datum	NOUN
cjfa-48752	106	11	collected	collect	VERB
cjfa-48752	106	12	from	from	ADP
cjfa-48752	106	13	the	the	DET
cjfa-48752	106	14	financial	financial	ADJ
cjfa-48752	106	15	accounts	account	NOUN
cjfa-48752	106	16	of	of	ADP
cjfa-48752	106	17	nigerian	nigerian	ADJ
cjfa-48752	106	18	banks	bank	NOUN
cjfa-48752	106	19	.	.	PUNCT
cjfa-48752	107	1	it	it	PRON
cjfa-48752	107	2	revealed	reveal	VERB
cjfa-48752	107	3	that	that	SCONJ
cjfa-48752	107	4	the	the	DET
cjfa-48752	107	5	quality	quality	NOUN
cjfa-48752	107	6	of	of	ADP
cjfa-48752	107	7	the	the	DET
cjfa-48752	107	8	board	board	NOUN
cjfa-48752	107	9	and	and	CCONJ
cjfa-48752	107	10	the	the	DET
cjfa-48752	107	11	asset	asset	NOUN
cjfa-48752	107	12	quality	quality	NOUN
cjfa-48752	107	13	of	of	ADP
cjfa-48752	107	14	the	the	DET
cjfa-48752	107	15	banks	bank	NOUN
cjfa-48752	107	16	had	have	VERB
cjfa-48752	107	17	a	a	DET
cjfa-48752	107	18	significant	significant	ADJ
cjfa-48752	107	19	influence	influence	NOUN
cjfa-48752	107	20	on	on	ADP
cjfa-48752	107	21	their	their	PRON
cjfa-48752	107	22	performance	performance	NOUN
cjfa-48752	107	23	.	.	PUNCT
cjfa-48752	108	1	the	the	DET
cjfa-48752	108	2	study	study	NOUN
cjfa-48752	108	3	also	also	ADV
cjfa-48752	108	4	found	find	VERB
cjfa-48752	108	5	that	that	SCONJ
cjfa-48752	108	6	the	the	DET
cjfa-48752	108	7	size	size	NOUN
cjfa-48752	108	8	of	of	ADP
cjfa-48752	108	9	the	the	DET
cjfa-48752	108	10	board	board	NOUN
cjfa-48752	108	11	is	be	AUX
cjfa-48752	108	12	beneficial	beneficial	ADJ
cjfa-48752	108	13	.	.	PUNCT
cjfa-48752	109	1	the	the	DET
cjfa-48752	109	2	composition	composition	NOUN
cjfa-48752	109	3	and	and	CCONJ
cjfa-48752	109	4	experience	experience	NOUN
cjfa-48752	109	5	of	of	ADP
cjfa-48752	109	6	the	the	DET
cjfa-48752	109	7	board	board	NOUN
cjfa-48752	109	8	of	of	ADP
cjfa-48752	109	9	directors	director	NOUN
cjfa-48752	109	10	of	of	ADP
cjfa-48752	109	11	financial	financial	ADJ
cjfa-48752	109	12	institutions	institution	NOUN
cjfa-48752	109	13	are	be	AUX
cjfa-48752	109	14	important	important	ADJ
cjfa-48752	109	15	factors	factor	NOUN
cjfa-48752	109	16	that	that	PRON
cjfa-48752	109	17	are	be	AUX
cjfa-48752	109	18	considered	consider	VERB
cjfa-48752	109	19	when	when	SCONJ
cjfa-48752	109	20	making	make	VERB
cjfa-48752	109	21	decisions	decision	NOUN
cjfa-48752	109	22	regarding	regard	VERB
cjfa-48752	109	23	the	the	DET
cjfa-48752	109	24	performance	performance	NOUN
cjfa-48752	109	25	of	of	ADP
cjfa-48752	109	26	their	their	PRON
cjfa-48752	109	27	operations	operation	NOUN
cjfa-48752	109	28	.	.	PUNCT
cjfa-48752	110	1	experience	experience	NOUN
cjfa-48752	110	2	has	have	AUX
cjfa-48752	110	3	demonstrated	demonstrate	VERB
cjfa-48752	110	4	that	that	SCONJ
cjfa-48752	110	5	the	the	DET
cjfa-48752	110	6	dominance	dominance	NOUN
cjfa-48752	110	7	of	of	ADP
cjfa-48752	110	8	the	the	DET
cjfa-48752	110	9	board	board	NOUN
cjfa-48752	110	10	’s	’s	PART
cjfa-48752	110	11	decision	decision	NOUN
cjfa-48752	110	12	-	-	PUNCT
cjfa-48752	110	13	making	making	NOUN
cjfa-48752	110	14	by	by	ADP
cjfa-48752	110	15	one	one	NUM
cjfa-48752	110	16	person	person	NOUN
cjfa-48752	110	17	or	or	CCONJ
cjfa-48752	110	18	a	a	DET
cjfa-48752	110	19	small	small	ADJ
cjfa-48752	110	20	group	group	NOUN
cjfa-48752	110	21	of	of	ADP
cjfa-48752	110	22	people	people	NOUN
cjfa-48752	110	23	has	have	AUX
cjfa-48752	110	24	been	be	AUX
cjfa-48752	110	25	a	a	DET
cjfa-48752	110	26	defining	define	VERB
cjfa-48752	110	27	characteristic	characteristic	NOUN
cjfa-48752	110	28	of	of	ADP
cjfa-48752	110	29	many	many	ADJ
cjfa-48752	110	30	significant	significant	ADJ
cjfa-48752	110	31	public	public	ADJ
cjfa-48752	110	32	companies	company	NOUN
cjfa-48752	110	33	that	that	PRON
cjfa-48752	110	34	have	have	AUX
cjfa-48752	110	35	collapsed	collapse	VERB
cjfa-48752	110	36	dramatically	dramatically	ADV
cjfa-48752	110	37	in	in	ADP
cjfa-48752	110	38	the	the	DET
cjfa-48752	110	39	past	past	NOUN
cjfa-48752	110	40	.	.	PUNCT
cjfa-48752	111	1	y.	y.	PROPN
cjfa-48752	111	2	o.	o.	PROPN
cjfa-48752	111	3	quadri	quadri	PROPN
cjfa-48752	111	4	,	,	PUNCT
cjfa-48752	111	5	i.	i.	PROPN
cjfa-48752	111	6	o.	o.	PROPN
cjfa-48752	111	7	omotosho	omotosho	PROPN
cjfa-48752	111	8	,	,	PUNCT
cjfa-48752	111	9	d.	d.	PROPN
cjfa-48752	111	10	o.	o.	PROPN
cjfa-48752	111	11	saheed	sahee	VERB
cjfa-48752	111	12	,	,	PUNCT
cjfa-48752	111	13	b.	b.	PROPN
cjfa-48752	111	14	a.	a.	NOUN
cjfa-48752	111	15	adio7474	adio7474	PROPN
cjfa-48752	112	1	this	this	DET
cjfa-48752	112	2	finding	finding	NOUN
cjfa-48752	112	3	conforms	conform	VERB
cjfa-48752	112	4	with	with	ADP
cjfa-48752	112	5	abdul	abdul	PROPN
cjfa-48752	112	6	gafoor	gafoor	PROPN
cjfa-48752	112	7	et	et	PROPN
cjfa-48752	112	8	al	al	PROPN
cjfa-48752	112	9	.	.	PROPN
cjfa-48752	112	10	,	,	PUNCT
cjfa-48752	112	11	(	(	PUNCT
cjfa-48752	112	12	2018	2018	NUM
cjfa-48752	112	13	)	)	PUNCT
cjfa-48752	112	14	;	;	PUNCT
cjfa-48752	112	15	anis	anis	PROPN
cjfa-48752	112	16	,	,	PUNCT
cjfa-48752	112	17	chixema	chixema	X
cjfa-48752	112	18	,	,	PUNCT
cjfa-48752	112	19	lui	lui	NOUN
cjfa-48752	112	20	and	and	CCONJ
cjfa-48752	112	21	fakhreldin	fakhreldin	NOUN
cjfa-48752	112	22	(	(	PUNCT
cjfa-48752	112	23	2017	2017	NUM
cjfa-48752	112	24	)	)	PUNCT
cjfa-48752	112	25	;	;	PUNCT
cjfa-48752	112	26	javed	javed	PROPN
cjfa-48752	112	27	,	,	PUNCT
cjfa-48752	112	28	saeed	saeed	PROPN
cjfa-48752	112	29	,	,	PUNCT
cjfa-48752	112	30	lodhi	lodhi	PROPN
cjfa-48752	112	31	and	and	CCONJ
cjfa-48752	112	32	malik	malik	PROPN
cjfa-48752	112	33	(	(	PUNCT
cjfa-48752	112	34	2013	2013	NUM
cjfa-48752	112	35	)	)	PUNCT
cjfa-48752	112	36	;	;	PUNCT
cjfa-48752	112	37	johl	johl	PROPN
cjfa-48752	112	38	,	,	PUNCT
cjfa-48752	112	39	kaur	kaur	PROPN
cjfa-48752	112	40	and	and	CCONJ
cjfa-48752	112	41	cooper	cooper	PROPN
cjfa-48752	112	42	(	(	PUNCT
cjfa-48752	112	43	2015	2015	NUM
cjfa-48752	112	44	)	)	PUNCT
cjfa-48752	112	45	;	;	PUNCT
cjfa-48752	112	46	odudu	odudu	NOUN
cjfa-48752	112	47	et	et	PROPN
cjfa-48752	112	48	al	al	PROPN
cjfa-48752	112	49	.	.	PROPN
cjfa-48752	112	50	,	,	PUNCT
cjfa-48752	112	51	(	(	PUNCT
cjfa-48752	112	52	2016	2016	NUM
cjfa-48752	112	53	)	)	PUNCT
cjfa-48752	112	54	;	;	PUNCT
cjfa-48752	112	55	jadah	jadah	PROPN
cjfa-48752	112	56	,	,	PUNCT
cjfa-48752	112	57	murugiah	murugiah	PROPN
cjfa-48752	112	58	and	and	CCONJ
cjfa-48752	112	59	adzis	adzis	ADJ
cjfa-48752	112	60	(	(	PUNCT
cjfa-48752	112	61	2016	2016	NUM
cjfa-48752	112	62	)	)	PUNCT
cjfa-48752	112	63	who	who	PRON
cjfa-48752	112	64	asserted	assert	VERB
cjfa-48752	112	65	that	that	SCONJ
cjfa-48752	112	66	the	the	PRON
cjfa-48752	112	67	bigger	big	ADJ
cjfa-48752	112	68	the	the	DET
cjfa-48752	112	69	board	board	NOUN
cjfa-48752	112	70	size	size	NOUN
cjfa-48752	112	71	,	,	PUNCT
cjfa-48752	112	72	the	the	DET
cjfa-48752	112	73	better	well	ADJ
cjfa-48752	112	74	for	for	ADP
cjfa-48752	112	75	the	the	DET
cjfa-48752	112	76	performance	performance	NOUN
cjfa-48752	112	77	of	of	ADP
cjfa-48752	112	78	the	the	DET
cjfa-48752	112	79	firms	firm	NOUN
cjfa-48752	112	80	.	.	PUNCT
cjfa-48752	113	1	this	this	DET
cjfa-48752	113	2	finding	finding	NOUN
cjfa-48752	113	3	is	be	AUX
cjfa-48752	113	4	however	however	ADV
cjfa-48752	113	5	contrary	contrary	ADJ
cjfa-48752	113	6	to	to	PART
cjfa-48752	113	7	chechet	chechet	VERB
cjfa-48752	113	8	,	,	PUNCT
cjfa-48752	113	9	yancy	yancy	PROPN
cjfa-48752	113	10	and	and	CCONJ
cjfa-48752	113	11	akanet	akanet	PROPN
cjfa-48752	113	12	(	(	PUNCT
cjfa-48752	113	13	2013	2013	NUM
cjfa-48752	113	14	)	)	PUNCT
cjfa-48752	113	15	;	;	PUNCT
cjfa-48752	113	16	hassan	hassan	PROPN
cjfa-48752	113	17	and	and	CCONJ
cjfa-48752	113	18	farouk	farouk	PROPN
cjfa-48752	113	19	(	(	PUNCT
cjfa-48752	113	20	2014	2014	NUM
cjfa-48752	113	21	)	)	PUNCT
cjfa-48752	113	22	;	;	PUNCT
cjfa-48752	113	23	ghabayen	ghabayen	NOUN
cjfa-48752	113	24	(	(	PUNCT
cjfa-48752	113	25	2012	2012	NUM
cjfa-48752	113	26	)	)	PUNCT
cjfa-48752	113	27	;	;	PUNCT
cjfa-48752	113	28	musa	musa	PROPN
cjfa-48752	113	29	,	,	PUNCT
cjfa-48752	113	30	jerry	jerry	NOUN
cjfa-48752	113	31	and	and	CCONJ
cjfa-48752	113	32	abdulrasheed	abdulrasheed	VERB
cjfa-48752	113	33	(	(	PUNCT
cjfa-48752	113	34	2020	2020	NUM
cjfa-48752	113	35	)	)	PUNCT
cjfa-48752	113	36	who	who	PRON
cjfa-48752	113	37	opined	opine	VERB
cjfa-48752	113	38	that	that	SCONJ
cjfa-48752	113	39	larger	large	ADJ
cjfa-48752	113	40	board	board	NOUN
cjfa-48752	113	41	size	size	NOUN
cjfa-48752	113	42	negatively	negatively	ADV
cjfa-48752	113	43	affects	affect	VERB
cjfa-48752	113	44	the	the	DET
cjfa-48752	113	45	performance	performance	NOUN
cjfa-48752	113	46	of	of	ADP
cjfa-48752	113	47	firms	firm	NOUN
cjfa-48752	113	48	.	.	PUNCT
cjfa-48752	114	1	furthermore	furthermore	ADV
cjfa-48752	114	2	,	,	PUNCT
cjfa-48752	114	3	the	the	DET
cjfa-48752	114	4	research	research	NOUN
cjfa-48752	114	5	found	find	VERB
cjfa-48752	114	6	that	that	SCONJ
cjfa-48752	114	7	the	the	DET
cjfa-48752	114	8	board	board	NOUN
cjfa-48752	114	9	credit	credit	NOUN
cjfa-48752	114	10	committee	committee	NOUN
cjfa-48752	114	11	has	have	VERB
cjfa-48752	114	12	positive	positive	ADJ
cjfa-48752	114	13	impact	impact	NOUN
cjfa-48752	114	14	on	on	ADP
cjfa-48752	114	15	the	the	DET
cjfa-48752	114	16	financial	financial	ADJ
cjfa-48752	114	17	performance	performance	NOUN
cjfa-48752	114	18	of	of	ADP
cjfa-48752	114	19	deposit	deposit	NOUN
cjfa-48752	114	20	money	money	NOUN
cjfa-48752	114	21	banks	bank	NOUN
cjfa-48752	114	22	in	in	ADP
cjfa-48752	114	23	nigeria	nigeria	PROPN
cjfa-48752	114	24	and	and	CCONJ
cjfa-48752	114	25	the	the	DET
cjfa-48752	114	26	result	result	NOUN
cjfa-48752	114	27	shows	show	VERB
cjfa-48752	114	28	that	that	SCONJ
cjfa-48752	114	29	it	it	PRON
cjfa-48752	114	30	is	be	AUX
cjfa-48752	114	31	statistically	statistically	ADV
cjfa-48752	114	32	significant	significant	ADJ
cjfa-48752	114	33	.	.	PUNCT
cjfa-48752	115	1	this	this	PRON
cjfa-48752	115	2	implies	imply	VERB
cjfa-48752	115	3	that	that	SCONJ
cjfa-48752	115	4	board	board	NOUN
cjfa-48752	115	5	credit	credit	NOUN
cjfa-48752	115	6	committee	committee	NOUN
cjfa-48752	115	7	plays	play	VERB
cjfa-48752	115	8	a	a	DET
cjfa-48752	115	9	supervision	supervision	NOUN
cjfa-48752	115	10	role	role	NOUN
cjfa-48752	115	11	to	to	ADP
cjfa-48752	115	12	the	the	DET
cjfa-48752	115	13	banks	bank	NOUN
cjfa-48752	115	14	’	’	PART
cjfa-48752	115	15	loan	loan	NOUN
cjfa-48752	115	16	officers	officer	NOUN
cjfa-48752	115	17	who	who	PRON
cjfa-48752	115	18	directly	directly	ADV
cjfa-48752	115	19	relates	relate	VERB
cjfa-48752	115	20	to	to	ADP
cjfa-48752	115	21	banks	bank	NOUN
cjfa-48752	115	22	customers	customer	NOUN
cjfa-48752	115	23	and	and	CCONJ
cjfa-48752	115	24	evaluate	evaluate	VERB
cjfa-48752	115	25	their	their	PRON
cjfa-48752	115	26	loan	loan	NOUN
cjfa-48752	115	27	proposal	proposal	NOUN
cjfa-48752	115	28	.	.	PUNCT
cjfa-48752	116	1	the	the	DET
cjfa-48752	116	2	board	board	PROPN
cjfa-48752	116	3	credit	credit	NOUN
cjfa-48752	116	4	committee	committee	NOUN
cjfa-48752	116	5	having	having	AUX
cjfa-48752	116	6	exercised	exercise	VERB
cjfa-48752	116	7	their	their	PRON
cjfa-48752	116	8	objective	objective	ADJ
cjfa-48752	116	9	analysis	analysis	NOUN
cjfa-48752	116	10	in	in	ADP
cjfa-48752	116	11	appraising	appraise	VERB
cjfa-48752	116	12	the	the	DET
cjfa-48752	116	13	loan	loan	NOUN
cjfa-48752	116	14	proposal	proposal	NOUN
cjfa-48752	116	15	submitted	submit	VERB
cjfa-48752	116	16	by	by	ADP
cjfa-48752	116	17	banks	bank	NOUN
cjfa-48752	116	18	customers	customer	NOUN
cjfa-48752	116	19	,	,	PUNCT
cjfa-48752	116	20	the	the	DET
cjfa-48752	116	21	credit	credit	NOUN
cjfa-48752	116	22	risk	risk	NOUN
cjfa-48752	116	23	of	of	ADP
cjfa-48752	116	24	the	the	DET
cjfa-48752	116	25	banks	bank	NOUN
cjfa-48752	116	26	that	that	PRON
cjfa-48752	116	27	may	may	AUX
cjfa-48752	116	28	constitute	constitute	VERB
cjfa-48752	116	29	loss	loss	NOUN
cjfa-48752	116	30	to	to	ADP
cjfa-48752	116	31	the	the	DET
cjfa-48752	116	32	banks	bank	NOUN
cjfa-48752	116	33	will	will	AUX
cjfa-48752	116	34	be	be	AUX
cjfa-48752	116	35	reduced	reduce	VERB
cjfa-48752	116	36	to	to	ADP
cjfa-48752	116	37	a	a	DET
cjfa-48752	116	38	barest	bare	ADJ
cjfa-48752	116	39	minimum	minimum	NOUN
cjfa-48752	116	40	thereby	thereby	ADV
cjfa-48752	116	41	enhancing	enhance	VERB
cjfa-48752	116	42	the	the	DET
cjfa-48752	116	43	deposit	deposit	NOUN
cjfa-48752	116	44	money	money	NOUN
cjfa-48752	116	45	banks	bank	NOUN
cjfa-48752	116	46	’	'	PUNCT
cjfa-48752	116	47	financial	financial	ADJ
cjfa-48752	116	48	performance	performance	NOUN
cjfa-48752	116	49	in	in	ADP
cjfa-48752	116	50	nigeria	nigeria	PROPN
cjfa-48752	116	51	.	.	PUNCT
cjfa-48752	117	1	risk	risk	NOUN
cjfa-48752	117	2	management	management	NOUN
cjfa-48752	117	3	efficacy	efficacy	NOUN
cjfa-48752	117	4	is	be	AUX
cjfa-48752	117	5	important	important	ADJ
cjfa-48752	117	6	when	when	SCONJ
cjfa-48752	117	7	assessing	assess	VERB
cjfa-48752	117	8	the	the	DET
cjfa-48752	117	9	profitability	profitability	NOUN
cjfa-48752	117	10	of	of	ADP
cjfa-48752	117	11	deposit	deposit	NOUN
cjfa-48752	117	12	money	money	NOUN
cjfa-48752	117	13	institutions	institution	NOUN
cjfa-48752	117	14	since	since	SCONJ
cjfa-48752	117	15	it	it	PRON
cjfa-48752	117	16	can	can	AUX
cjfa-48752	117	17	affect	affect	VERB
cjfa-48752	117	18	financial	financial	ADJ
cjfa-48752	117	19	performance	performance	NOUN
cjfa-48752	117	20	instability	instability	NOUN
cjfa-48752	117	21	,	,	PUNCT
cjfa-48752	117	22	bank	bank	NOUN
cjfa-48752	117	23	liquidity	liquidity	NOUN
cjfa-48752	117	24	,	,	PUNCT
cjfa-48752	117	25	and	and	CCONJ
cjfa-48752	117	26	eventually	eventually	ADV
cjfa-48752	117	27	bank	bank	NOUN
cjfa-48752	117	28	distress	distress	NOUN
cjfa-48752	117	29	.	.	PUNCT
cjfa-48752	118	1	this	this	DET
cjfa-48752	118	2	finding	finding	NOUN
cjfa-48752	118	3	is	be	AUX
cjfa-48752	118	4	in	in	ADP
cjfa-48752	118	5	consonance	consonance	NOUN
cjfa-48752	118	6	with	with	ADP
cjfa-48752	118	7	the	the	DET
cjfa-48752	118	8	study	study	NOUN
cjfa-48752	118	9	of	of	ADP
cjfa-48752	118	10	chechet	chechet	PROPN
cjfa-48752	118	11	et	et	PROPN
cjfa-48752	118	12	al	al	PROPN
cjfa-48752	118	13	.	.	PROPN
cjfa-48752	118	14	,	,	PUNCT
cjfa-48752	118	15	(	(	PUNCT
cjfa-48752	118	16	2013	2013	NUM
cjfa-48752	118	17	)	)	PUNCT
cjfa-48752	118	18	;	;	PUNCT
cjfa-48752	118	19	egungwu	egungwu	PROPN
cjfa-48752	118	20	and	and	CCONJ
cjfa-48752	118	21	egungwu	egungwu	PROPN
cjfa-48752	118	22	(	(	PUNCT
cjfa-48752	118	23	2018	2018	NUM
cjfa-48752	118	24	)	)	PUNCT
cjfa-48752	118	25	and	and	CCONJ
cjfa-48752	118	26	contrary	contrary	ADJ
cjfa-48752	118	27	to	to	ADP
cjfa-48752	118	28	the	the	DET
cjfa-48752	118	29	study	study	NOUN
cjfa-48752	118	30	of	of	ADP
cjfa-48752	118	31	momoh	momoh	ADJ
cjfa-48752	118	32	and	and	CCONJ
cjfa-48752	118	33	ukpong	ukpong	ADJ
cjfa-48752	118	34	(	(	PUNCT
cjfa-48752	118	35	2013	2013	NUM
cjfa-48752	118	36	)	)	PUNCT
cjfa-48752	118	37	;	;	PUNCT
cjfa-48752	118	38	alhassan	alhassan	VERB
cjfa-48752	118	39	,	,	PUNCT
cjfa-48752	118	40	kyereboah	kyereboah	PROPN
cjfa-48752	118	41	-	-	PUNCT
cjfa-48752	118	42	coleman	coleman	PROPN
cjfa-48752	118	43	and	and	CCONJ
cjfa-48752	118	44	andoh	andoh	PROPN
cjfa-48752	118	45	(	(	PUNCT
cjfa-48752	118	46	2014	2014	NUM
cjfa-48752	118	47	)	)	PUNCT
cjfa-48752	118	48	;	;	PUNCT
cjfa-48752	118	49	ghabayen	ghabayen	NOUN
cjfa-48752	118	50	(	(	PUNCT
cjfa-48752	118	51	2012	2012	NUM
cjfa-48752	118	52	)	)	PUNCT
cjfa-48752	118	53	.	.	PUNCT
cjfa-48752	119	1	also	also	ADV
cjfa-48752	119	2	,	,	PUNCT
cjfa-48752	119	3	this	this	DET
cjfa-48752	119	4	study	study	NOUN
cjfa-48752	119	5	discovered	discover	VERB
cjfa-48752	119	6	a	a	DET
cjfa-48752	119	7	negative	negative	ADJ
cjfa-48752	119	8	influence	influence	NOUN
cjfa-48752	119	9	of	of	ADP
cjfa-48752	119	10	asset	asset	NOUN
cjfa-48752	119	11	quality	quality	NOUN
cjfa-48752	119	12	on	on	ADP
cjfa-48752	119	13	deposit	deposit	NOUN
cjfa-48752	119	14	money	money	NOUN
cjfa-48752	119	15	institutions	institution	NOUN
cjfa-48752	119	16	’	'	PUNCT
cjfa-48752	119	17	financial	financial	ADJ
cjfa-48752	119	18	performance	performance	NOUN
cjfa-48752	119	19	,	,	PUNCT
cjfa-48752	119	20	and	and	CCONJ
cjfa-48752	119	21	the	the	DET
cjfa-48752	119	22	outcome	outcome	NOUN
cjfa-48752	119	23	shows	show	VERB
cjfa-48752	119	24	that	that	SCONJ
cjfa-48752	119	25	asset	asset	NOUN
cjfa-48752	119	26	quality	quality	NOUN
cjfa-48752	119	27	is	be	AUX
cjfa-48752	119	28	statistically	statistically	ADV
cjfa-48752	119	29	significant	significant	ADJ
cjfa-48752	119	30	.	.	PUNCT
cjfa-48752	120	1	the	the	DET
cjfa-48752	120	2	impact	impact	NOUN
cjfa-48752	120	3	on	on	ADP
cjfa-48752	120	4	nigerian	nigerian	ADJ
cjfa-48752	120	5	deposit	deposit	NOUN
cjfa-48752	120	6	money	money	NOUN
cjfa-48752	120	7	banks	bank	NOUN
cjfa-48752	120	8	’	'	PUNCT
cjfa-48752	120	9	financial	financial	ADJ
cjfa-48752	120	10	performance	performance	NOUN
cjfa-48752	120	11	and	and	CCONJ
cjfa-48752	120	12	,	,	PUNCT
cjfa-48752	120	13	ultimately	ultimately	ADV
cjfa-48752	120	14	,	,	PUNCT
cjfa-48752	120	15	the	the	DET
cjfa-48752	120	16	maximizing	maximizing	NOUN
cjfa-48752	120	17	of	of	ADP
cjfa-48752	120	18	shareholder	shareholder	NOUN
cjfa-48752	120	19	wealth	wealth	NOUN
cjfa-48752	120	20	is	be	AUX
cjfa-48752	120	21	greater	great	ADJ
cjfa-48752	120	22	the	the	PRON
cjfa-48752	120	23	larger	large	ADJ
cjfa-48752	120	24	their	their	PRON
cjfa-48752	120	25	non	non	ADJ
cjfa-48752	120	26	-	-	ADJ
cjfa-48752	120	27	performing	perform	VERB
cjfa-48752	120	28	assets	asset	NOUN
cjfa-48752	120	29	are	be	AUX
cjfa-48752	120	30	.	.	PUNCT
cjfa-48752	121	1	due	due	ADP
cjfa-48752	121	2	to	to	ADP
cjfa-48752	121	3	government	government	NOUN
cjfa-48752	121	4	support	support	NOUN
cjfa-48752	121	5	,	,	PUNCT
cjfa-48752	121	6	efforts	effort	NOUN
cjfa-48752	121	7	to	to	PART
cjfa-48752	121	8	collect	collect	VERB
cjfa-48752	121	9	on	on	ADP
cjfa-48752	121	10	the	the	DET
cjfa-48752	121	11	enormous	enormous	ADJ
cjfa-48752	121	12	backlog	backlog	NOUN
cjfa-48752	121	13	of	of	ADP
cjfa-48752	121	14	debts	debt	NOUN
cjfa-48752	121	15	due	due	ADJ
cjfa-48752	121	16	by	by	ADP
cjfa-48752	121	17	public	public	ADJ
cjfa-48752	121	18	firms	firm	NOUN
cjfa-48752	121	19	have	have	AUX
cjfa-48752	121	20	failed	fail	VERB
cjfa-48752	121	21	,	,	PUNCT
cjfa-48752	121	22	which	which	PRON
cjfa-48752	121	23	may	may	AUX
cjfa-48752	121	24	be	be	AUX
cjfa-48752	121	25	the	the	DET
cjfa-48752	121	26	source	source	NOUN
cjfa-48752	121	27	of	of	ADP
cjfa-48752	121	28	nigeria	nigeria	PROPN
cjfa-48752	121	29	’s	’s	PART
cjfa-48752	121	30	deposit	deposit	NOUN
cjfa-48752	121	31	banks	bank	NOUN
cjfa-48752	121	32	’	’	PART
cjfa-48752	121	33	high	high	ADJ
cjfa-48752	121	34	asset	asset	NOUN
cjfa-48752	121	35	quality	quality	NOUN
cjfa-48752	121	36	.	.	PUNCT
cjfa-48752	122	1	this	this	DET
cjfa-48752	122	2	finding	finding	NOUN
cjfa-48752	122	3	is	be	AUX
cjfa-48752	122	4	in	in	ADP
cjfa-48752	122	5	consonance	consonance	NOUN
cjfa-48752	122	6	with	with	ADP
cjfa-48752	122	7	francis	francis	PROPN
cjfa-48752	122	8	,	,	PUNCT
cjfa-48752	122	9	hassan	hassan	PROPN
cjfa-48752	122	10	and	and	CCONJ
cjfa-48752	122	11	wu	wu	PROPN
cjfa-48752	122	12	(	(	PUNCT
cjfa-48752	122	13	2012	2012	NUM
cjfa-48752	122	14	)	)	PUNCT
cjfa-48752	122	15	;	;	PUNCT
cjfa-48752	122	16	liang	liang	PROPN
cjfa-48752	122	17	,	,	PUNCT
cjfa-48752	122	18	xu	xu	PROPN
cjfa-48752	122	19	and	and	CCONJ
cjfa-48752	122	20	jiraporn	jiraporn	PROPN
cjfa-48752	122	21	(	(	PUNCT
cjfa-48752	122	22	2013	2013	NUM
cjfa-48752	122	23	)	)	PUNCT
cjfa-48752	122	24	;	;	PUNCT
cjfa-48752	122	25	momoh	momoh	PROPN
cjfa-48752	122	26	et	et	PROPN
cjfa-48752	122	27	al	al	PROPN
cjfa-48752	122	28	.	.	PROPN
cjfa-48752	122	29	,	,	PUNCT
cjfa-48752	122	30	(	(	PUNCT
cjfa-48752	122	31	2013	2013	NUM
cjfa-48752	122	32	)	)	PUNCT
cjfa-48752	122	33	;	;	PUNCT
cjfa-48752	122	34	abata	abata	NOUN
cjfa-48752	122	35	(	(	PUNCT
cjfa-48752	122	36	2014	2014	NUM
cjfa-48752	122	37	)	)	PUNCT
cjfa-48752	122	38	;	;	PUNCT
cjfa-48752	122	39	adam	adam	PROPN
cjfa-48752	122	40	(	(	PUNCT
cjfa-48752	122	41	2014	2014	NUM
cjfa-48752	122	42	)	)	PUNCT
cjfa-48752	122	43	;	;	PUNCT
cjfa-48752	122	44	oyerinde	oyerinde	PROPN
cjfa-48752	122	45	(	(	PUNCT
cjfa-48752	122	46	2014	2014	NUM
cjfa-48752	122	47	)	)	PUNCT
cjfa-48752	122	48	;	;	PUNCT
cjfa-48752	122	49	oyedokun	oyedokun	NOUN
cjfa-48752	122	50	(	(	PUNCT
cjfa-48752	122	51	2019	2019	NUM
cjfa-48752	122	52	)	)	PUNCT
cjfa-48752	122	53	;	;	PUNCT
cjfa-48752	122	54	bouteska	bouteska	NOUN
cjfa-48752	122	55	(	(	PUNCT
cjfa-48752	122	56	2020	2020	NUM
cjfa-48752	122	57	)	)	PUNCT
cjfa-48752	122	58	;	;	PUNCT
cjfa-48752	122	59	barus	baru	NOUN
cjfa-48752	122	60	(	(	PUNCT
cjfa-48752	122	61	2017	2017	NUM
cjfa-48752	122	62	)	)	PUNCT
cjfa-48752	122	63	;	;	PUNCT
cjfa-48752	122	64	but	but	CCONJ
cjfa-48752	122	65	contrary	contrary	ADV
cjfa-48752	122	66	with	with	ADP
cjfa-48752	122	67	the	the	DET
cjfa-48752	122	68	study	study	NOUN
cjfa-48752	122	69	of	of	ADP
cjfa-48752	122	70	adebisi	adebisi	ADJ
cjfa-48752	122	71	and	and	CCONJ
cjfa-48752	122	72	matthew	matthew	PROPN
cjfa-48752	122	73	(	(	PUNCT
cjfa-48752	122	74	2015	2015	NUM
cjfa-48752	122	75	)	)	PUNCT
cjfa-48752	122	76	;	;	PUNCT
cjfa-48752	122	77	kariuki	kariuki	PROPN
cjfa-48752	122	78	,	,	PUNCT
cjfa-48752	122	79	muturi	muturi	NOUN
cjfa-48752	122	80	and	and	CCONJ
cjfa-48752	122	81	ngugi	ngugi	NOUN
cjfa-48752	122	82	(	(	PUNCT
cjfa-48752	122	83	2016	2016	NUM
cjfa-48752	122	84	)	)	PUNCT
cjfa-48752	122	85	;	;	PUNCT
cjfa-48752	122	86	ujunwa	ujunwa	PROPN
cjfa-48752	122	87	(	(	PUNCT
cjfa-48752	122	88	2012	2012	NUM
cjfa-48752	122	89	)	)	PUNCT
cjfa-48752	122	90	;	;	PUNCT
cjfa-48752	122	91	khalid	khalid	PROPN
cjfa-48752	122	92	(	(	PUNCT
cjfa-48752	122	93	2012	2012	NUM
cjfa-48752	122	94	)	)	PUNCT
cjfa-48752	122	95	;	;	PUNCT
cjfa-48752	122	96	muhmad	muhmad	NOUN
cjfa-48752	122	97	and	and	CCONJ
cjfa-48752	122	98	hashim	hashim	PROPN
cjfa-48752	122	99	(	(	PUNCT
cjfa-48752	122	100	2015	2015	NUM
cjfa-48752	122	101	)	)	PUNCT
cjfa-48752	122	102	;	;	PUNCT
cjfa-48752	122	103	thiagarajan	thiagarajan	NOUN
cjfa-48752	122	104	,	,	PUNCT
cjfa-48752	122	105	ayyappan	ayyappan	NOUN
cjfa-48752	122	106	and	and	CCONJ
cjfa-48752	122	107	ramachandran	ramachandran	PROPN
cjfa-48752	122	108	(	(	PUNCT
cjfa-48752	122	109	2011	2011	NUM
cjfa-48752	122	110	)	)	PUNCT
cjfa-48752	122	111	;	;	PUNCT
cjfa-48752	122	112	kadioglu	kadioglu	NOUN
cjfa-48752	122	113	,	,	PUNCT
cjfa-48752	122	114	telceke	telceke	ADJ
cjfa-48752	122	115	and	and	CCONJ
cjfa-48752	122	116	ocal	ocal	ADJ
cjfa-48752	122	117	(	(	PUNCT
cjfa-48752	122	118	2017	2017	NUM
cjfa-48752	122	119	)	)	PUNCT
cjfa-48752	122	120	.	.	PUNCT
cjfa-48752	123	1	board	board	NOUN
cjfa-48752	123	2	characteristics	characteristic	NOUN
cjfa-48752	123	3	,	,	PUNCT
cjfa-48752	123	4	asset	asset	NOUN
cjfa-48752	123	5	quality	quality	NOUN
cjfa-48752	123	6	and	and	CCONJ
cjfa-48752	123	7	financial	financial	ADJ
cjfa-48752	123	8	performance	performance	NOUN
cjfa-48752	123	9	…	…	PUNCT
cjfa-48752	123	10	7575	7575	NUM
cjfa-48752	123	11	 	 	SPACE
cjfa-48752	123	12	conclusion	conclusion	NOUN
cjfa-48752	123	13	and	and	CCONJ
cjfa-48752	123	14	recommendations	recommendation	NOUN
cjfa-48752	123	15	 	 	SPACE
cjfa-48752	123	16	conclusion	conclusion	NOUN
cjfa-48752	123	17	and	and	CCONJ
cjfa-48752	123	18	recommendations	recommendation	NOUN
cjfa-48752	123	19	based	base	VERB
cjfa-48752	123	20	on	on	ADP
cjfa-48752	123	21	the	the	DET
cjfa-48752	123	22	findings	finding	NOUN
cjfa-48752	123	23	of	of	ADP
cjfa-48752	123	24	this	this	DET
cjfa-48752	123	25	investigation	investigation	NOUN
cjfa-48752	123	26	,	,	PUNCT
cjfa-48752	123	27	this	this	DET
cjfa-48752	123	28	study	study	NOUN
cjfa-48752	123	29	comes	come	VERB
cjfa-48752	123	30	to	to	ADP
cjfa-48752	123	31	the	the	DET
cjfa-48752	123	32	conclusion	conclusion	NOUN
cjfa-48752	123	33	that	that	SCONJ
cjfa-48752	123	34	board	board	NOUN
cjfa-48752	123	35	characteristics	characteristic	NOUN
cjfa-48752	123	36	and	and	CCONJ
cjfa-48752	123	37	asset	asset	NOUN
cjfa-48752	123	38	quality	quality	NOUN
cjfa-48752	123	39	have	have	AUX
cjfa-48752	123	40	a	a	DET
cjfa-48752	123	41	substantial	substantial	ADJ
cjfa-48752	123	42	impact	impact	NOUN
cjfa-48752	123	43	on	on	ADP
cjfa-48752	123	44	the	the	DET
cjfa-48752	123	45	financial	financial	ADJ
cjfa-48752	123	46	performance	performance	NOUN
cjfa-48752	123	47	of	of	ADP
cjfa-48752	123	48	nigerian	nigerian	ADJ
cjfa-48752	123	49	deposit	deposit	NOUN
cjfa-48752	123	50	money	money	NOUN
cjfa-48752	123	51	banks	bank	NOUN
cjfa-48752	123	52	.	.	PUNCT
cjfa-48752	124	1	this	this	PRON
cjfa-48752	124	2	demonstrates	demonstrate	VERB
cjfa-48752	124	3	that	that	SCONJ
cjfa-48752	124	4	credit	credit	NOUN
cjfa-48752	124	5	policy	policy	NOUN
cjfa-48752	124	6	has	have	VERB
cjfa-48752	124	7	an	an	DET
cjfa-48752	124	8	impact	impact	NOUN
cjfa-48752	124	9	on	on	ADP
cjfa-48752	124	10	profit	profit	NOUN
cjfa-48752	124	11	before	before	ADP
cjfa-48752	124	12	taxes	taxis	NOUN
cjfa-48752	124	13	,	,	PUNCT
cjfa-48752	124	14	and	and	CCONJ
cjfa-48752	124	15	as	as	ADP
cjfa-48752	124	16	a	a	DET
cjfa-48752	124	17	result	result	NOUN
cjfa-48752	124	18	,	,	PUNCT
cjfa-48752	124	19	banks	bank	NOUN
cjfa-48752	124	20	must	must	AUX
cjfa-48752	124	21	practice	practice	VERB
cjfa-48752	124	22	sound	sound	ADJ
cjfa-48752	124	23	credit	credit	NOUN
cjfa-48752	124	24	risk	risk	NOUN
cjfa-48752	124	25	management	management	NOUN
cjfa-48752	124	26	in	in	ADP
cjfa-48752	124	27	order	order	NOUN
cjfa-48752	124	28	to	to	PART
cjfa-48752	124	29	defend	defend	VERB
cjfa-48752	124	30	their	their	PRON
cjfa-48752	124	31	assets	asset	NOUN
cjfa-48752	124	32	and	and	CCONJ
cjfa-48752	124	33	safeguard	safeguard	VERB
cjfa-48752	124	34	the	the	DET
cjfa-48752	124	35	interests	interest	NOUN
cjfa-48752	124	36	of	of	ADP
cjfa-48752	124	37	their	their	PRON
cjfa-48752	124	38	investors	investor	NOUN
cjfa-48752	124	39	.	.	PUNCT
cjfa-48752	125	1	given	give	VERB
cjfa-48752	125	2	how	how	SCONJ
cjfa-48752	125	3	important	important	ADJ
cjfa-48752	125	4	asset	asset	NOUN
cjfa-48752	125	5	quality	quality	NOUN
cjfa-48752	125	6	is	be	AUX
cjfa-48752	125	7	to	to	ADP
cjfa-48752	125	8	financial	financial	ADJ
cjfa-48752	125	9	performance	performance	NOUN
cjfa-48752	125	10	,	,	PUNCT
cjfa-48752	125	11	it	it	PRON
cjfa-48752	125	12	is	be	AUX
cjfa-48752	125	13	suggested	suggest	VERB
cjfa-48752	125	14	that	that	SCONJ
cjfa-48752	125	15	bank	bank	NOUN
cjfa-48752	125	16	management	management	NOUN
cjfa-48752	125	17	must	must	AUX
cjfa-48752	125	18	work	work	VERB
cjfa-48752	125	19	hard	hard	ADV
cjfa-48752	125	20	to	to	PART
cjfa-48752	125	21	manage	manage	VERB
cjfa-48752	125	22	credit	credit	NOUN
cjfa-48752	125	23	risk	risk	NOUN
cjfa-48752	125	24	effectively	effectively	ADV
cjfa-48752	125	25	or	or	CCONJ
cjfa-48752	125	26	else	else	ADJ
cjfa-48752	125	27	financial	financial	ADJ
cjfa-48752	125	28	performance	performance	NOUN
cjfa-48752	125	29	will	will	AUX
cjfa-48752	125	30	be	be	AUX
cjfa-48752	125	31	unstable	unstable	ADJ
cjfa-48752	125	32	.	.	PUNCT
cjfa-48752	126	1	thus	thus	ADV
cjfa-48752	126	2	,	,	PUNCT
cjfa-48752	126	3	the	the	DET
cjfa-48752	126	4	study	study	NOUN
cjfa-48752	126	5	also	also	ADV
cjfa-48752	126	6	suggests	suggest	VERB
cjfa-48752	126	7	that	that	SCONJ
cjfa-48752	126	8	deposit	deposit	NOUN
cjfa-48752	126	9	money	money	NOUN
cjfa-48752	126	10	bank	bank	NOUN
cjfa-48752	126	11	boards	board	NOUN
cjfa-48752	126	12	of	of	ADP
cjfa-48752	126	13	directors	director	NOUN
cjfa-48752	126	14	be	be	AUX
cjfa-48752	126	15	restructured	restructure	VERB
cjfa-48752	126	16	in	in	ADP
cjfa-48752	126	17	accordance	accordance	NOUN
cjfa-48752	126	18	with	with	ADP
cjfa-48752	126	19	the	the	DET
cjfa-48752	126	20	corporate	corporate	ADJ
cjfa-48752	126	21	governance	governance	NOUN
cjfa-48752	126	22	code	code	NOUN
cjfa-48752	126	23	and	and	CCONJ
cjfa-48752	126	24	members	member	NOUN
cjfa-48752	126	25	of	of	ADP
cjfa-48752	126	26	these	these	DET
cjfa-48752	126	27	boards	board	NOUN
cjfa-48752	126	28	should	should	AUX
cjfa-48752	126	29	have	have	VERB
cjfa-48752	126	30	diverse	diverse	ADJ
cjfa-48752	126	31	skills	skill	NOUN
cjfa-48752	126	32	and	and	CCONJ
cjfa-48752	126	33	experience	experience	NOUN
cjfa-48752	126	34	to	to	PART
cjfa-48752	126	35	improve	improve	VERB
cjfa-48752	126	36	the	the	DET
cjfa-48752	126	37	financial	financial	ADJ
cjfa-48752	126	38	performance	performance	NOUN
cjfa-48752	126	39	of	of	ADP
cjfa-48752	126	40	these	these	DET
cjfa-48752	126	41	institutions	institution	NOUN
cjfa-48752	126	42	.	.	PUNCT
cjfa-48752	127	1	the	the	DET
cjfa-48752	127	2	study	study	NOUN
cjfa-48752	127	3	revealed	reveal	VERB
cjfa-48752	127	4	that	that	SCONJ
cjfa-48752	127	5	the	the	DET
cjfa-48752	127	6	board	board	NOUN
cjfa-48752	127	7	credits	credit	VERB
cjfa-48752	127	8	committee	committee	PROPN
cjfa-48752	127	9	of	of	ADP
cjfa-48752	127	10	banks	bank	NOUN
cjfa-48752	127	11	have	have	VERB
cjfa-48752	127	12	a	a	DET
cjfa-48752	127	13	positive	positive	ADJ
cjfa-48752	127	14	effect	effect	NOUN
cjfa-48752	127	15	on	on	ADP
cjfa-48752	127	16	their	their	PRON
cjfa-48752	127	17	financial	financial	ADJ
cjfa-48752	127	18	performance	performance	NOUN
cjfa-48752	127	19	,	,	PUNCT
cjfa-48752	127	20	as	as	ADP
cjfa-48752	127	21	a	a	DET
cjfa-48752	127	22	result	result	NOUN
cjfa-48752	127	23	,	,	PUNCT
cjfa-48752	127	24	the	the	DET
cjfa-48752	127	25	central	central	ADJ
cjfa-48752	127	26	bank	bank	NOUN
cjfa-48752	127	27	should	should	AUX
cjfa-48752	127	28	strengthen	strengthen	VERB
cjfa-48752	127	29	credit	credit	NOUN
cjfa-48752	127	30	committee	committee	NOUN
cjfa-48752	127	31	that	that	PRON
cjfa-48752	127	32	will	will	AUX
cjfa-48752	127	33	be	be	AUX
cjfa-48752	127	34	responsible	responsible	ADJ
cjfa-48752	127	35	for	for	ADP
cjfa-48752	127	36	overseeing	oversee	VERB
cjfa-48752	127	37	the	the	DET
cjfa-48752	127	38	activities	activity	NOUN
cjfa-48752	127	39	of	of	ADP
cjfa-48752	127	40	the	the	DET
cjfa-48752	127	41	loan	loan	NOUN
cjfa-48752	127	42	officers	officer	NOUN
cjfa-48752	127	43	as	as	SCONJ
cjfa-48752	127	44	it	it	PRON
cjfa-48752	127	45	is	be	AUX
cjfa-48752	127	46	important	important	ADJ
cjfa-48752	127	47	that	that	SCONJ
cjfa-48752	127	48	all	all	DET
cjfa-48752	127	49	lending	lending	NOUN
cjfa-48752	127	50	officers	officer	NOUN
cjfa-48752	127	51	and	and	CCONJ
cjfa-48752	127	52	credit	credit	NOUN
cjfa-48752	127	53	risk	risk	NOUN
cjfa-48752	127	54	managers	manager	NOUN
cjfa-48752	127	55	follow	follow	VERB
cjfa-48752	127	56	proper	proper	ADJ
cjfa-48752	127	57	lending	lending	NOUN
cjfa-48752	127	58	practices	practice	NOUN
cjfa-48752	127	59	.	.	PUNCT
cjfa-48752	128	1	doing	do	VERB
cjfa-48752	128	2	so	so	ADV
cjfa-48752	128	3	can	can	AUX
cjfa-48752	128	4	help	help	VERB
cjfa-48752	128	5	improve	improve	VERB
cjfa-48752	128	6	the	the	DET
cjfa-48752	128	7	quality	quality	NOUN
cjfa-48752	128	8	of	of	ADP
cjfa-48752	128	9	their	their	PRON
cjfa-48752	128	10	assessments	assessment	NOUN
cjfa-48752	128	11	and	and	CCONJ
cjfa-48752	128	12	inform	inform	VERB
cjfa-48752	128	13	policymakers	policymaker	NOUN
cjfa-48752	128	14	when	when	SCONJ
cjfa-48752	128	15	it	it	PRON
cjfa-48752	128	16	comes	come	VERB
cjfa-48752	128	17	to	to	ADP
cjfa-48752	128	18	making	make	VERB
cjfa-48752	128	19	decisions	decision	NOUN
cjfa-48752	128	20	regarding	regard	VERB
cjfa-48752	128	21	loans	loan	NOUN
cjfa-48752	128	22	approvals	approval	NOUN
cjfa-48752	128	23	.	.	PUNCT
cjfa-48752	129	1	however	however	ADV
cjfa-48752	129	2	,	,	PUNCT
cjfa-48752	129	3	board	board	NOUN
cjfa-48752	129	4	characteristics	characteristic	NOUN
cjfa-48752	129	5	and	and	CCONJ
cjfa-48752	129	6	asset	asset	NOUN
cjfa-48752	129	7	quality	quality	NOUN
cjfa-48752	129	8	were	be	AUX
cjfa-48752	129	9	examined	examine	VERB
cjfa-48752	129	10	focusing	focus	VERB
cjfa-48752	129	11	on	on	ADP
cjfa-48752	129	12	deposit	deposit	NOUN
cjfa-48752	129	13	money	money	NOUN
cjfa-48752	129	14	banks	bank	NOUN
cjfa-48752	129	15	in	in	ADP
cjfa-48752	129	16	nigeria	nigeria	PROPN
cjfa-48752	129	17	thereby	thereby	ADV
cjfa-48752	129	18	excluding	exclude	VERB
cjfa-48752	129	19	other	other	ADJ
cjfa-48752	129	20	financial	financial	ADJ
cjfa-48752	129	21	institutions	institution	NOUN
cjfa-48752	129	22	.	.	PUNCT
cjfa-48752	130	1	also	also	ADV
cjfa-48752	130	2	,	,	PUNCT
cjfa-48752	130	3	among	among	ADP
cjfa-48752	130	4	board	board	NOUN
cjfa-48752	130	5	characteristics	characteristic	NOUN
cjfa-48752	130	6	variables	variable	NOUN
cjfa-48752	130	7	,	,	PUNCT
cjfa-48752	130	8	board	board	NOUN
cjfa-48752	130	9	size	size	NOUN
cjfa-48752	130	10	and	and	CCONJ
cjfa-48752	130	11	board	board	NOUN
cjfa-48752	130	12	credit	credit	NOUN
cjfa-48752	130	13	committee	committee	NOUN
cjfa-48752	130	14	were	be	AUX
cjfa-48752	130	15	only	only	ADV
cjfa-48752	130	16	considered	consider	VERB
cjfa-48752	130	17	.	.	PUNCT
cjfa-48752	131	1	hence	hence	ADV
cjfa-48752	131	2	,	,	PUNCT
cjfa-48752	131	3	these	these	PRON
cjfa-48752	131	4	constitute	constitute	VERB
cjfa-48752	131	5	limitations	limitation	NOUN
cjfa-48752	131	6	and	and	CCONJ
cjfa-48752	131	7	other	other	ADJ
cjfa-48752	131	8	researchers	researcher	NOUN
cjfa-48752	131	9	can	can	AUX
cjfa-48752	131	10	explore	explore	VERB
cjfa-48752	131	11	that	that	PRON
cjfa-48752	131	12	by	by	ADP
cjfa-48752	131	13	examining	examine	VERB
cjfa-48752	131	14	other	other	ADJ
cjfa-48752	131	15	board	board	NOUN
cjfa-48752	131	16	attributes	attribute	NOUN
cjfa-48752	131	17	in	in	ADP
cjfa-48752	131	18	other	other	ADJ
cjfa-48752	131	19	financial	financial	ADJ
cjfa-48752	131	20	institutions	institution	NOUN
cjfa-48752	131	21	.	.	PUNCT
cjfa-48752	131	22	 	 	SPACE
cjfa-48752	132	1	refernces	refernce	NOUN
cjfa-48752	132	2	 	 	SPACE
cjfa-48752	132	3	refernces	refernce	NOUN
cjfa-48752	132	4	abata	abata	NOUN
cjfa-48752	132	5	,	,	PUNCT
cjfa-48752	132	6	m.a	m.a	PROPN
cjfa-48752	132	7	.	.	PROPN
cjfa-48752	132	8	(	(	PUNCT
cjfa-48752	132	9	2014	2014	NUM
cjfa-48752	132	10	)	)	PUNCT
cjfa-48752	132	11	.	.	PUNCT
cjfa-48752	133	1	asset	asset	NOUN
cjfa-48752	133	2	quality	quality	NOUN
cjfa-48752	133	3	and	and	CCONJ
cjfa-48752	133	4	bank	bank	NOUN
cjfa-48752	133	5	performance	performance	NOUN
cjfa-48752	133	6	:	:	PUNCT
cjfa-48752	133	7	a	a	DET
cjfa-48752	133	8	study	study	NOUN
cjfa-48752	133	9	of	of	ADP
cjfa-48752	133	10	commercial	commercial	ADJ
cjfa-48752	133	11	banks	bank	NOUN
cjfa-48752	133	12	in	in	ADP
cjfa-48752	133	13	nigeria	nigeria	PROPN
cjfa-48752	133	14	.	.	PUNCT
cjfa-48752	134	1	research	research	NOUN
cjfa-48752	134	2	journal	journal	PROPN
cjfa-48752	134	3	of	of	ADP
cjfa-48752	134	4	finance	finance	NOUN
cjfa-48752	134	5	and	and	CCONJ
cjfa-48752	134	6	accounting	accounting	NOUN
cjfa-48752	134	7	,	,	PUNCT
cjfa-48752	134	8	5(18	5(18	NUM
cjfa-48752	134	9	)	)	PUNCT
cjfa-48752	134	10	,	,	PUNCT
cjfa-48752	134	11	39	39	NUM
cjfa-48752	134	12	-	-	SYM
cjfa-48752	134	13	44	44	NUM
cjfa-48752	134	14	.	.	PUNCT
cjfa-48752	135	1	abdul	abdul	PROPN
cjfa-48752	135	2	gafoor	gafoor	PROPN
cjfa-48752	135	3	,	,	PUNCT
cjfa-48752	135	4	c.p	c.p	PROPN
cjfa-48752	135	5	.	.	PROPN
cjfa-48752	135	6	,	,	PUNCT
cjfa-48752	135	7	mariappan	mariappan	NOUN
cjfa-48752	135	8	,	,	PUNCT
cjfa-48752	135	9	v.	v.	ADV
cjfa-48752	135	10	,	,	PUNCT
cjfa-48752	135	11	&	&	CCONJ
cjfa-48752	135	12	thyagaraja	thyagaraja	PROPN
cjfa-48752	135	13	,	,	PUNCT
cjfa-48752	135	14	s.	s.	PROPN
cjfa-48752	135	15	(	(	PUNCT
cjfa-48752	135	16	2018	2018	NUM
cjfa-48752	135	17	)	)	PUNCT
cjfa-48752	135	18	.	.	PUNCT
cjfa-48752	136	1	board	board	NOUN
cjfa-48752	136	2	characteristics	characteristic	NOUN
cjfa-48752	136	3	and	and	CCONJ
cjfa-48752	136	4	bank	bank	NOUN
cjfa-48752	136	5	performance	performance	NOUN
cjfa-48752	136	6	in	in	ADP
cjfa-48752	136	7	india	india	PROPN
cjfa-48752	136	8	.	.	PUNCT
cjfa-48752	137	1	iimb	iimb	PROPN
cjfa-48752	137	2	management	management	PROPN
cjfa-48752	137	3	review	review	PROPN
cjfa-48752	137	4	,	,	PUNCT
cjfa-48752	137	5	30	30	NUM
cjfa-48752	137	6	,	,	PUNCT
cjfa-48752	137	7	160	160	NUM
cjfa-48752	137	8	-	-	SYM
cjfa-48752	137	9	167	167	NUM
cjfa-48752	137	10	.	.	PUNCT
cjfa-48752	138	1	adam	adam	PROPN
cjfa-48752	138	2	,	,	PUNCT
cjfa-48752	138	3	m.h.m	m.h.m	NOUN
cjfa-48752	138	4	.	.	PUNCT
cjfa-48752	138	5	(	(	PUNCT
cjfa-48752	138	6	2014	2014	NUM
cjfa-48752	138	7	)	)	PUNCT
cjfa-48752	138	8	.	.	PUNCT
cjfa-48752	139	1	evaluating	evaluate	VERB
cjfa-48752	139	2	the	the	DET
cjfa-48752	139	3	financial	financial	ADJ
cjfa-48752	139	4	performance	performance	NOUN
cjfa-48752	139	5	of	of	ADP
cjfa-48752	139	6	banks	bank	NOUN
cjfa-48752	139	7	using	use	VERB
cjfa-48752	139	8	financial	financial	ADJ
cjfa-48752	139	9	ratios	ratio	NOUN
cjfa-48752	139	10	-	-	PUNCT
cjfa-48752	139	11	a	a	DET
cjfa-48752	139	12	case	case	NOUN
cjfa-48752	139	13	study	study	NOUN
cjfa-48752	139	14	of	of	ADP
cjfa-48752	139	15	erbil	erbil	PROPN
cjfa-48752	139	16	bank	bank	PROPN
cjfa-48752	139	17	for	for	ADP
cjfa-48752	139	18	investment	investment	NOUN
cjfa-48752	139	19	and	and	CCONJ
cjfa-48752	139	20	finance	finance	NOUN
cjfa-48752	139	21	.	.	PUNCT
cjfa-48752	140	1	european	european	PROPN
cjfa-48752	140	2	journal	journal	PROPN
cjfa-48752	140	3	of	of	ADP
cjfa-48752	140	4	accounting	accounting	NOUN
cjfa-48752	140	5	auditing	auditing	NOUN
cjfa-48752	140	6	and	and	CCONJ
cjfa-48752	140	7	finance	finance	NOUN
cjfa-48752	140	8	research	research	NOUN
cjfa-48752	140	9	,	,	PUNCT
cjfa-48752	140	10	2(6	2(6	NUM
cjfa-48752	140	11	)	)	PUNCT
cjfa-48752	140	12	,	,	PUNCT
cjfa-48752	140	13	162	162	NUM
cjfa-48752	140	14	-	-	SYM
cjfa-48752	140	15	177	177	NUM
cjfa-48752	140	16	.	.	PUNCT
cjfa-48752	141	1	y.	y.	PROPN
cjfa-48752	141	2	o.	o.	PROPN
cjfa-48752	141	3	quadri	quadri	PROPN
cjfa-48752	141	4	,	,	PUNCT
cjfa-48752	141	5	i.	i.	PROPN
cjfa-48752	141	6	o.	o.	PROPN
cjfa-48752	141	7	omotosho	omotosho	PROPN
cjfa-48752	141	8	,	,	PUNCT
cjfa-48752	141	9	d.	d.	PROPN
cjfa-48752	141	10	o.	o.	PROPN
cjfa-48752	141	11	saheed	sahee	VERB
cjfa-48752	141	12	,	,	PUNCT
cjfa-48752	141	13	b.	b.	PROPN
cjfa-48752	141	14	a.	a.	NOUN
cjfa-48752	141	15	adio7676	adio7676	PROPN
cjfa-48752	141	16	adebisi	adebisi	ADJ
cjfa-48752	141	17	,	,	PUNCT
cjfa-48752	141	18	j.f	j.f	PROPN
cjfa-48752	141	19	.	.	PROPN
cjfa-48752	141	20	,	,	PUNCT
cjfa-48752	141	21	&	&	CCONJ
cjfa-48752	141	22	matthew	matthew	PROPN
cjfa-48752	141	23	,	,	PUNCT
cjfa-48752	141	24	o.b	o.b	PROPN
cjfa-48752	141	25	.	.	PROPN
cjfa-48752	141	26	(	(	PUNCT
cjfa-48752	141	27	2015	2015	NUM
cjfa-48752	141	28	)	)	PUNCT
cjfa-48752	141	29	.	.	PUNCT
cjfa-48752	142	1	the	the	DET
cjfa-48752	142	2	impact	impact	NOUN
cjfa-48752	142	3	of	of	ADP
cjfa-48752	142	4	non	non	ADJ
cjfa-48752	142	5	-	-	ADJ
cjfa-48752	142	6	performing	performing	ADJ
cjfa-48752	142	7	loans	loan	NOUN
cjfa-48752	142	8	on	on	ADP
cjfa-48752	142	9	firm	firm	ADJ
cjfa-48752	142	10	profitability	profitability	NOUN
cjfa-48752	142	11	:	:	PUNCT
cjfa-48752	142	12	a	a	DET
cjfa-48752	142	13	focus	focus	NOUN
cjfa-48752	142	14	on	on	ADP
cjfa-48752	142	15	the	the	DET
cjfa-48752	142	16	nigerian	nigerian	ADJ
cjfa-48752	142	17	banking	banking	NOUN
cjfa-48752	142	18	industry	industry	NOUN
cjfa-48752	142	19	.	.	PUNCT
cjfa-48752	143	1	american	american	PROPN
cjfa-48752	143	2	research	research	PROPN
cjfa-48752	143	3	journal	journal	PROPN
cjfa-48752	143	4	of	of	ADP
cjfa-48752	143	5	business	business	NOUN
cjfa-48752	143	6	and	and	CCONJ
cjfa-48752	143	7	management	management	NOUN
cjfa-48752	143	8	,	,	PUNCT
cjfa-48752	143	9	1(4	1(4	NUM
cjfa-48752	143	10	)	)	PUNCT
cjfa-48752	143	11	,	,	PUNCT
cjfa-48752	143	12	1	1	NUM
cjfa-48752	143	13	-	-	SYM
cjfa-48752	143	14	7	7	NUM
cjfa-48752	143	15	.	.	PUNCT
cjfa-48752	144	1	alhassan	alhassan	VERB
cjfa-48752	144	2	,	,	PUNCT
cjfa-48752	144	3	a.l	a.l	PROPN
cjfa-48752	144	4	.	.	PROPN
cjfa-48752	144	5	,	,	PUNCT
cjfa-48752	144	6	kyereboah	kyereboah	PROPN
cjfa-48752	144	7	-	-	PUNCT
cjfa-48752	144	8	coleman	coleman	PROPN
cjfa-48752	144	9	,	,	PUNCT
cjfa-48752	144	10	a.	a.	PROPN
cjfa-48752	144	11	,	,	PUNCT
cjfa-48752	144	12	&	&	CCONJ
cjfa-48752	144	13	andoh	andoh	PROPN
cjfa-48752	144	14	,	,	PUNCT
cjfa-48752	144	15	ch	ch	NOUN
cjfa-48752	144	16	.	.	PUNCT
cjfa-48752	145	1	(	(	PUNCT
cjfa-48752	145	2	2014	2014	NUM
cjfa-48752	145	3	)	)	PUNCT
cjfa-48752	145	4	.	.	PUNCT
cjfa-48752	146	1	asset	asset	NOUN
cjfa-48752	146	2	quality	quality	NOUN
cjfa-48752	146	3	in	in	ADP
cjfa-48752	146	4	a	a	DET
cjfa-48752	146	5	crisis	crisis	NOUN
cjfa-48752	146	6	period	period	NOUN
cjfa-48752	146	7	:	:	PUNCT
cjfa-48752	146	8	an	an	DET
cjfa-48752	146	9	empirical	empirical	ADJ
cjfa-48752	146	10	examination	examination	NOUN
cjfa-48752	146	11	of	of	ADP
cjfa-48752	146	12	ghanaian	ghanaian	ADJ
cjfa-48752	146	13	banks	bank	NOUN
cjfa-48752	146	14	.	.	PUNCT
cjfa-48752	147	1	review	review	NOUN
cjfa-48752	147	2	of	of	ADP
cjfa-48752	147	3	develoment	develoment	NOUN
cjfa-48752	147	4	finance	finance	NOUN
cjfa-48752	147	5	,	,	PUNCT
cjfa-48752	147	6	4	4	NUM
cjfa-48752	147	7	,	,	PUNCT
cjfa-48752	147	8	50	50	NUM
cjfa-48752	147	9	-	-	SYM
cjfa-48752	147	10	62	62	NUM
cjfa-48752	147	11	.	.	PUNCT
cjfa-48752	148	1	anis	anis	PROPN
cjfa-48752	148	2	,	,	PUNCT
cjfa-48752	148	3	m.	m.	NOUN
cjfa-48752	148	4	,	,	PUNCT
cjfa-48752	148	5	chixema	chixema	PROPN
cjfa-48752	148	6	,	,	PUNCT
cjfa-48752	148	7	a.	a.	NOUN
cjfa-48752	148	8	,	,	PUNCT
cjfa-48752	148	9	lui	lui	NOUN
cjfa-48752	148	10	,	,	PUNCT
cjfa-48752	148	11	x.	x.	NOUN
cjfa-48752	148	12	,	,	PUNCT
cjfa-48752	148	13	&	&	CCONJ
cjfa-48752	148	14	fakhreldin	fakhreldin	PROPN
cjfa-48752	148	15	,	,	PUNCT
cjfa-48752	148	16	h.	h.	PROPN
cjfa-48752	148	17	(	(	PUNCT
cjfa-48752	148	18	2017	2017	NUM
cjfa-48752	148	19	)	)	PUNCT
cjfa-48752	148	20	.	.	PUNCT
cjfa-48752	149	1	the	the	DET
cjfa-48752	149	2	impact	impact	NOUN
cjfa-48752	149	3	of	of	ADP
cjfa-48752	149	4	board	board	NOUN
cjfa-48752	149	5	characteristics	characteristic	NOUN
cjfa-48752	149	6	on	on	ADP
cjfa-48752	149	7	firms	firm	NOUN
cjfa-48752	149	8	financial	financial	ADJ
cjfa-48752	149	9	performance	performance	NOUN
cjfa-48752	149	10	:	:	PUNCT
cjfa-48752	149	11	evidence	evidence	NOUN
cjfa-48752	149	12	from	from	ADP
cjfa-48752	149	13	the	the	DET
cjfa-48752	149	14	egyptian	egyptian	ADJ
cjfa-48752	149	15	listed	list	VERB
cjfa-48752	149	16	comapnies	comapnie	NOUN
cjfa-48752	149	17	.	.	PUNCT
cjfa-48752	150	1	global	global	ADJ
cjfa-48752	150	2	journal	journal	PROPN
cjfa-48752	150	3	of	of	ADP
cjfa-48752	150	4	human	human	ADJ
cjfa-48752	150	5	-	-	PUNCT
cjfa-48752	150	6	social	social	ADJ
cjfa-48752	150	7	science	science	NOUN
cjfa-48752	150	8	,	,	PUNCT
cjfa-48752	150	9	17(5	17(5	NUM
cjfa-48752	150	10	)	)	PUNCT
cjfa-48752	150	11	,	,	PUNCT
cjfa-48752	150	12	1	1	NUM
cjfa-48752	150	13	-	-	SYM
cjfa-48752	150	14	21	21	NUM
cjfa-48752	150	15	.	.	PUNCT
cjfa-48752	151	1	barus	barus	PROPN
cjfa-48752	151	2	,	,	PUNCT
cjfa-48752	151	3	j.	j.	PROPN
cjfa-48752	151	4	,	,	PUNCT
cjfa-48752	151	5	muturi	muturi	PROPN
cjfa-48752	151	6	,	,	PUNCT
cjfa-48752	151	7	w.	w.	PROPN
cjfa-48752	151	8	,	,	PUNCT
cjfa-48752	151	9	&	&	CCONJ
cjfa-48752	151	10	kibati	kibati	PROPN
cjfa-48752	151	11	,	,	PUNCT
cjfa-48752	151	12	p.	p.	NOUN
cjfa-48752	151	13	(	(	PUNCT
cjfa-48752	151	14	2017	2017	NUM
cjfa-48752	151	15	)	)	PUNCT
cjfa-48752	151	16	.	.	PUNCT
cjfa-48752	152	1	effect	effect	NOUN
cjfa-48752	152	2	of	of	ADP
cjfa-48752	152	3	asset	asset	NOUN
cjfa-48752	152	4	quality	quality	NOUN
cjfa-48752	152	5	on	on	ADP
cjfa-48752	152	6	the	the	DET
cjfa-48752	152	7	financial	financial	ADJ
cjfa-48752	152	8	performance	performance	NOUN
cjfa-48752	152	9	of	of	ADP
cjfa-48752	152	10	savings	saving	NOUN
cjfa-48752	152	11	and	and	CCONJ
cjfa-48752	152	12	credit	credit	NOUN
cjfa-48752	152	13	societies	society	NOUN
cjfa-48752	152	14	in	in	ADP
cjfa-48752	152	15	kenya	kenya	PROPN
cjfa-48752	152	16	.	.	PUNCT
cjfa-48752	153	1	american	american	PROPN
cjfa-48752	153	2	journal	journal	PROPN
cjfa-48752	153	3	of	of	ADP
cjfa-48752	153	4	finance	finance	NOUN
cjfa-48752	153	5	,	,	PUNCT
cjfa-48752	153	6	4(2	4(2	NUM
cjfa-48752	153	7	)	)	PUNCT
cjfa-48752	153	8	,	,	PUNCT
cjfa-48752	153	9	13	13	NUM
cjfa-48752	153	10	-	-	SYM
cjfa-48752	153	11	25	25	NUM
cjfa-48752	153	12	.	.	PUNCT
cjfa-48752	154	1	bathula	bathula	PROPN
cjfa-48752	154	2	,	,	PUNCT
cjfa-48752	154	3	h.	h.	PROPN
cjfa-48752	154	4	(	(	PUNCT
cjfa-48752	154	5	2008	2008	NUM
cjfa-48752	154	6	)	)	PUNCT
cjfa-48752	154	7	.	.	PUNCT
cjfa-48752	155	1	board	board	NOUN
cjfa-48752	155	2	characteristics	characteristic	NOUN
cjfa-48752	155	3	and	and	CCONJ
cjfa-48752	155	4	firm	firm	ADJ
cjfa-48752	155	5	performance	performance	NOUN
cjfa-48752	155	6	:	:	PUNCT
cjfa-48752	155	7	evidence	evidence	NOUN
cjfa-48752	155	8	from	from	ADP
cjfa-48752	155	9	new	new	PROPN
cjfa-48752	155	10	zealand	zealand	PROPN
cjfa-48752	155	11	.	.	PUNCT
cjfa-48752	156	1	unpublished	unpublished	ADJ
cjfa-48752	156	2	phd	phd	NOUN
cjfa-48752	156	3	thesis	thesis	PROPN
cjfa-48752	156	4	,	,	PUNCT
cjfa-48752	156	5	auckland	auckland	PROPN
cjfa-48752	156	6	university	university	PROPN
cjfa-48752	156	7	of	of	ADP
cjfa-48752	156	8	technology	technology	PROPN
cjfa-48752	156	9	.	.	PUNCT
cjfa-48752	157	1	bouteska	bouteska	PROPN
cjfa-48752	157	2	,	,	PUNCT
cjfa-48752	157	3	a.	a.	NOUN
cjfa-48752	157	4	(	(	PUNCT
cjfa-48752	157	5	2020	2020	NUM
cjfa-48752	157	6	)	)	PUNCT
cjfa-48752	157	7	.	.	PUNCT
cjfa-48752	158	1	do	do	AUX
cjfa-48752	158	2	board	board	NOUN
cjfa-48752	158	3	characteristics	characteristic	NOUN
cjfa-48752	158	4	affect	affect	VERB
cjfa-48752	158	5	bank	bank	NOUN
cjfa-48752	158	6	performance	performance	NOUN
cjfa-48752	158	7	?	?	PUNCT
cjfa-48752	159	1	evidence	evidence	NOUN
cjfa-48752	159	2	from	from	ADP
cjfa-48752	159	3	the	the	DET
cjfa-48752	159	4	eurozone	eurozone	NOUN
cjfa-48752	159	5	.	.	PUNCT
cjfa-48752	160	1	journal	journal	PROPN
cjfa-48752	160	2	of	of	ADP
cjfa-48752	160	3	asset	asset	NOUN
cjfa-48752	160	4	management	management	NOUN
cjfa-48752	160	5	,	,	PUNCT
cjfa-48752	160	6	21	21	NUM
cjfa-48752	160	7	,	,	PUNCT
cjfa-48752	160	8	535–548	535–548	NUM
cjfa-48752	160	9	.	.	PUNCT
cjfa-48752	161	1	https://doi.org/10.1057/	https://doi.org/10.1057/	PROPN
cjfa-48752	161	2	s41260	s41260	PROPN
cjfa-48752	161	3	-	-	PUNCT
cjfa-48752	161	4	020	020	NUM
cjfa-48752	161	5	-	-	PUNCT
cjfa-48752	161	6	00181	00181	NUM
cjfa-48752	161	7	-	-	PUNCT
cjfa-48752	161	8	2	2	NUM
cjfa-48752	161	9	.	.	PUNCT
cjfa-48752	161	10	bowie	bowie	PROPN
cjfa-48752	161	11	,	,	PUNCT
cjfa-48752	161	12	n.e	n.e	PROPN
cjfa-48752	161	13	.	.	PROPN
cjfa-48752	161	14	,	,	PUNCT
cjfa-48752	161	15	&	&	CCONJ
cjfa-48752	161	16	freeman	freeman	PROPN
cjfa-48752	161	17	,	,	PUNCT
cjfa-48752	161	18	r.e	r.e	PROPN
cjfa-48752	161	19	.	.	PROPN
cjfa-48752	161	20	(	(	PUNCT
cjfa-48752	161	21	1992	1992	NUM
cjfa-48752	161	22	)	)	PUNCT
cjfa-48752	161	23	.	.	PUNCT
cjfa-48752	162	1	ethics	ethic	NOUN
cjfa-48752	162	2	and	and	CCONJ
cjfa-48752	162	3	agency	agency	NOUN
cjfa-48752	162	4	theory	theory	NOUN
cjfa-48752	162	5	:	:	PUNCT
cjfa-48752	162	6	an	an	DET
cjfa-48752	162	7	introduction	introduction	NOUN
cjfa-48752	162	8	.	.	PUNCT
cjfa-48752	163	1	new	new	PROPN
cjfa-48752	163	2	york	york	PROPN
cjfa-48752	163	3	:	:	PUNCT
cjfa-48752	163	4	oxford	oxford	PROPN
cjfa-48752	163	5	university	university	PROPN
cjfa-48752	163	6	press	press	NOUN
cjfa-48752	163	7	.	.	PUNCT
cjfa-48752	164	1	chechet	chechet	PROPN
cjfa-48752	164	2	,	,	PUNCT
cjfa-48752	164	3	i.l	i.l	PROPN
cjfa-48752	164	4	.	.	PROPN
cjfa-48752	164	5	,	,	PUNCT
cjfa-48752	164	6	yancy	yancy	PROPN
cjfa-48752	164	7	,	,	PUNCT
cjfa-48752	164	8	f.s	f.s	PROPN
cjfa-48752	164	9	.	.	PROPN
cjfa-48752	164	10	,	,	PUNCT
cjfa-48752	164	11	&	&	CCONJ
cjfa-48752	164	12	akanet	akanet	PROPN
cjfa-48752	164	13	,	,	PUNCT
cjfa-48752	164	14	s.	s.	PROPN
cjfa-48752	164	15	(	(	PUNCT
cjfa-48752	164	16	2013	2013	NUM
cjfa-48752	164	17	)	)	PUNCT
cjfa-48752	164	18	.	.	PUNCT
cjfa-48752	165	1	impact	impact	NOUN
cjfa-48752	165	2	of	of	ADP
cjfa-48752	165	3	internal	internal	ADJ
cjfa-48752	165	4	governance	governance	NOUN
cjfa-48752	165	5	mechanisms	mechanism	NOUN
cjfa-48752	165	6	on	on	ADP
cjfa-48752	165	7	corporate	corporate	ADJ
cjfa-48752	165	8	performance	performance	NOUN
cjfa-48752	165	9	in	in	ADP
cjfa-48752	165	10	deposit	deposit	NOUN
cjfa-48752	165	11	money	money	NOUN
cjfa-48752	165	12	banks	bank	NOUN
cjfa-48752	165	13	in	in	ADP
cjfa-48752	165	14	nigeria	nigeria	PROPN
cjfa-48752	165	15	.	.	PUNCT
cjfa-48752	166	1	international	international	ADJ
cjfa-48752	166	2	journal	journal	PROPN
cjfa-48752	166	3	of	of	ADP
cjfa-48752	166	4	arts	art	NOUN
cjfa-48752	166	5	and	and	CCONJ
cjfa-48752	166	6	commerce	commerce	PROPN
cjfa-48752	166	7	,	,	PUNCT
cjfa-48752	166	8	2(8	2(8	NUM
cjfa-48752	166	9	)	)	PUNCT
cjfa-48752	166	10	,	,	PUNCT
cjfa-48752	166	11	35	35	NUM
cjfa-48752	166	12	-	-	SYM
cjfa-48752	166	13	46	46	NUM
cjfa-48752	166	14	.	.	PUNCT
cjfa-48752	167	1	egungwu	egungwu	PROPN
cjfa-48752	167	2	,	,	PUNCT
cjfa-48752	167	3	i.	i.	PROPN
cjfa-48752	167	4	,	,	PUNCT
cjfa-48752	167	5	&	&	CCONJ
cjfa-48752	167	6	egungwu	egungwu	PROPN
cjfa-48752	167	7	,	,	PUNCT
cjfa-48752	167	8	n.u.c	n.u.c	PROPN
cjfa-48752	167	9	.	.	PUNCT
cjfa-48752	168	1	(	(	PUNCT
cjfa-48752	168	2	2018	2018	NUM
cjfa-48752	168	3	)	)	PUNCT
cjfa-48752	168	4	.	.	PUNCT
cjfa-48752	169	1	effect	effect	NOUN
cjfa-48752	169	2	of	of	ADP
cjfa-48752	169	3	corporate	corporate	ADJ
cjfa-48752	169	4	governance	governance	NOUN
cjfa-48752	169	5	on	on	ADP
cjfa-48752	169	6	asset	asset	NOUN
cjfa-48752	169	7	quality	quality	NOUN
cjfa-48752	169	8	of	of	ADP
cjfa-48752	169	9	banks	bank	NOUN
cjfa-48752	169	10	(	(	PUNCT
cjfa-48752	169	11	evidence	evidence	NOUN
cjfa-48752	169	12	from	from	ADP
cjfa-48752	169	13	nigeria	nigeria	PROPN
cjfa-48752	169	14	)	)	PUNCT
cjfa-48752	169	15	.	.	PUNCT
cjfa-48752	170	1	international	international	ADJ
cjfa-48752	170	2	journal	journal	PROPN
cjfa-48752	170	3	of	of	ADP
cjfa-48752	170	4	academic	academic	ADJ
cjfa-48752	170	5	research	research	NOUN
cjfa-48752	170	6	in	in	ADP
cjfa-48752	170	7	business	business	NOUN
cjfa-48752	170	8	and	and	CCONJ
cjfa-48752	170	9	social	social	ADJ
cjfa-48752	170	10	sciences	science	NOUN
cjfa-48752	170	11	,	,	PUNCT
cjfa-48752	170	12	8(12	8(12	NUM
cjfa-48752	170	13	)	)	PUNCT
cjfa-48752	170	14	,	,	PUNCT
cjfa-48752	170	15	1981	1981	NUM
cjfa-48752	170	16	–	–	PUNCT
cjfa-48752	170	17	2002	2002	NUM
cjfa-48752	170	18	.	.	PUNCT
cjfa-48752	171	1	francis	francis	PROPN
cjfa-48752	171	2	,	,	PUNCT
cjfa-48752	171	3	b.b	b.b	PROPN
cjfa-48752	171	4	.	.	PROPN
cjfa-48752	171	5	,	,	PUNCT
cjfa-48752	171	6	hassan	hassan	PROPN
cjfa-48752	171	7	,	,	PUNCT
cjfa-48752	171	8	i.	i.	PROPN
cjfa-48752	171	9	,	,	PUNCT
cjfa-48752	171	10	&	&	CCONJ
cjfa-48752	171	11	wu	wu	PROPN
cjfa-48752	171	12	,	,	PUNCT
cjfa-48752	171	13	q.	q.	PROPN
cjfa-48752	171	14	(	(	PUNCT
cjfa-48752	171	15	2012	2012	NUM
cjfa-48752	171	16	)	)	PUNCT
cjfa-48752	171	17	.	.	PUNCT
cjfa-48752	172	1	do	do	VERB
cjfa-48752	172	2	corporate	corporate	ADJ
cjfa-48752	172	3	boards	board	NOUN
cjfa-48752	172	4	matter	matter	VERB
cjfa-48752	172	5	during	during	ADP
cjfa-48752	172	6	the	the	DET
cjfa-48752	172	7	current	current	ADJ
cjfa-48752	172	8	financial	financial	ADJ
cjfa-48752	172	9	crisis	crisis	NOUN
cjfa-48752	172	10	?	?	PUNCT
cjfa-48752	173	1	review	review	NOUN
cjfa-48752	173	2	of	of	ADP
cjfa-48752	173	3	financial	financial	ADJ
cjfa-48752	173	4	economics	economic	NOUN
cjfa-48752	173	5	,	,	PUNCT
cjfa-48752	173	6	21(2	21(2	NUM
cjfa-48752	173	7	)	)	PUNCT
cjfa-48752	173	8	,	,	PUNCT
cjfa-48752	173	9	39–52	39–52	NUM
cjfa-48752	173	10	.	.	PUNCT
cjfa-48752	174	1	ghabayen	ghabayen	NOUN
cjfa-48752	174	2	,	,	PUNCT
cjfa-48752	174	3	m.a	m.a	PROPN
cjfa-48752	174	4	.	.	PROPN
cjfa-48752	174	5	(	(	PUNCT
cjfa-48752	174	6	2012	2012	NUM
cjfa-48752	174	7	)	)	PUNCT
cjfa-48752	174	8	.	.	PUNCT
cjfa-48752	175	1	board	board	NOUN
cjfa-48752	175	2	characteristics	characteristic	NOUN
cjfa-48752	175	3	and	and	CCONJ
cjfa-48752	175	4	firm	firm	ADJ
cjfa-48752	175	5	performance	performance	NOUN
cjfa-48752	175	6	:	:	PUNCT
cjfa-48752	175	7	case	case	NOUN
cjfa-48752	175	8	of	of	ADP
cjfa-48752	175	9	saudi	saudi	PROPN
cjfa-48752	175	10	arabia	arabia	PROPN
cjfa-48752	175	11	.	.	PUNCT
cjfa-48752	176	1	international	international	ADJ
cjfa-48752	176	2	journal	journal	PROPN
cjfa-48752	176	3	of	of	ADP
cjfa-48752	176	4	accounting	accounting	NOUN
cjfa-48752	176	5	and	and	CCONJ
cjfa-48752	176	6	financial	financial	ADJ
cjfa-48752	176	7	reporting	reporting	NOUN
cjfa-48752	176	8	,	,	PUNCT
cjfa-48752	176	9	2(2	2(2	NUM
cjfa-48752	176	10	)	)	PUNCT
cjfa-48752	176	11	,	,	PUNCT
cjfa-48752	176	12	168	168	NUM
cjfa-48752	176	13	-	-	SYM
cjfa-48752	176	14	200	200	NUM
cjfa-48752	176	15	.	.	PUNCT
cjfa-48752	177	1	http://dx.doi.org/10.5296/ijafr.v2i2.2145	http://dx.doi.org/10.5296/ijafr.v2i2.2145	NOUN
cjfa-48752	177	2	.	.	PUNCT
cjfa-48752	178	1	hair	hair	NOUN
cjfa-48752	178	2	,	,	PUNCT
cjfa-48752	178	3	j.f	j.f	PROPN
cjfa-48752	178	4	.	.	PROPN
cjfa-48752	178	5	,	,	PUNCT
cjfa-48752	178	6	black	black	ADJ
cjfa-48752	178	7	,	,	PUNCT
cjfa-48752	178	8	w.c	w.c	PROPN
cjfa-48752	178	9	.	.	PROPN
cjfa-48752	178	10	,	,	PUNCT
cjfa-48752	178	11	babin	babin	PROPN
cjfa-48752	178	12	,	,	PUNCT
cjfa-48752	178	13	b.j	b.j	PROPN
cjfa-48752	178	14	.	.	PROPN
cjfa-48752	178	15	,	,	PUNCT
cjfa-48752	178	16	&	&	CCONJ
cjfa-48752	178	17	anderson	anderson	PROPN
cjfa-48752	178	18	,	,	PUNCT
cjfa-48752	178	19	r.e	r.e	PROPN
cjfa-48752	178	20	.	.	PROPN
cjfa-48752	178	21	(	(	PUNCT
cjfa-48752	178	22	2010	2010	NUM
cjfa-48752	178	23	)	)	PUNCT
cjfa-48752	178	24	.	.	PUNCT
cjfa-48752	179	1	multivariate	multivariate	NOUN
cjfa-48752	179	2	data	datum	NOUN
cjfa-48752	179	3	analysis	analysis	NOUN
cjfa-48752	179	4	:	:	PUNCT
cjfa-48752	179	5	a	a	DET
cjfa-48752	179	6	global	global	ADJ
cjfa-48752	179	7	perspective	perspective	NOUN
cjfa-48752	179	8	.	.	PUNCT
cjfa-48752	180	1	7th	7th	ADJ
cjfa-48752	180	2	ed	ed	NOUN
cjfa-48752	180	3	.	.	PUNCT
cjfa-48752	181	1	new	new	PROPN
cjfa-48752	181	2	jersey	jersey	PROPN
cjfa-48752	181	3	:	:	PUNCT
cjfa-48752	181	4	pearson	pearson	PROPN
cjfa-48752	181	5	education	education	PROPN
cjfa-48752	181	6	.	.	PUNCT
cjfa-48752	182	1	hassan	hassan	PROPN
cjfa-48752	182	2	,	,	PUNCT
cjfa-48752	182	3	s.u	s.u	PROPN
cjfa-48752	182	4	.	.	PROPN
cjfa-48752	182	5	,	,	PUNCT
cjfa-48752	182	6	&	&	CCONJ
cjfa-48752	182	7	farouk	farouk	PROPN
cjfa-48752	182	8	,	,	PUNCT
cjfa-48752	182	9	m.a	m.a	PROPN
cjfa-48752	182	10	.	.	PROPN
cjfa-48752	182	11	(	(	PUNCT
cjfa-48752	182	12	2014	2014	NUM
cjfa-48752	182	13	)	)	PUNCT
cjfa-48752	182	14	.	.	PUNCT
cjfa-48752	183	1	board	board	NOUN
cjfa-48752	183	2	of	of	ADP
cjfa-48752	183	3	director	director	NOUN
cjfa-48752	183	4	’s	’s	PART
cjfa-48752	183	5	characteristics	characteristic	NOUN
cjfa-48752	183	6	and	and	CCONJ
cjfa-48752	183	7	performance	performance	NOUN
cjfa-48752	183	8	of	of	ADP
cjfa-48752	183	9	listed	list	VERB
cjfa-48752	183	10	deposit	deposit	NOUN
cjfa-48752	183	11	money	money	NOUN
cjfa-48752	183	12	banks	bank	NOUN
cjfa-48752	183	13	in	in	ADP
cjfa-48752	183	14	nigeria	nigeria	PROPN
cjfa-48752	183	15	.	.	PUNCT
cjfa-48752	184	1	journal	journal	PROPN
cjfa-48752	184	2	of	of	ADP
cjfa-48752	184	3	finance	finance	NOUN
cjfa-48752	184	4	and	and	CCONJ
cjfa-48752	184	5	bank	bank	NOUN
cjfa-48752	184	6	management	management	NOUN
cjfa-48752	184	7	,	,	PUNCT
cjfa-48752	184	8	2(1	2(1	NUM
cjfa-48752	184	9	)	)	PUNCT
cjfa-48752	184	10	,	,	PUNCT
cjfa-48752	184	11	89	89	NUM
cjfa-48752	184	12	-	-	SYM
cjfa-48752	184	13	105	105	NUM
cjfa-48752	184	14	.	.	PUNCT
cjfa-48752	185	1	jadah	jadah	PROPN
cjfa-48752	185	2	,	,	PUNCT
cjfa-48752	185	3	h.m	h.m	PROPN
cjfa-48752	185	4	.	.	PROPN
cjfa-48752	185	5	,	,	PUNCT
cjfa-48752	185	6	murugiah	murugiah	PROPN
cjfa-48752	185	7	,	,	PUNCT
cjfa-48752	185	8	l.	l.	PROPN
cjfa-48752	185	9	,	,	PUNCT
cjfa-48752	185	10	&	&	CCONJ
cjfa-48752	185	11	adzis	adzi	NOUN
cjfa-48752	185	12	,	,	PUNCT
cjfa-48752	185	13	a.b	a.b	PROPN
cjfa-48752	185	14	.	.	PROPN
cjfa-48752	185	15	(	(	PUNCT
cjfa-48752	185	16	2016	2016	NUM
cjfa-48752	185	17	)	)	PUNCT
cjfa-48752	185	18	.	.	PUNCT
cjfa-48752	186	1	board	board	NOUN
cjfa-48752	186	2	characteristics	characteristic	NOUN
cjfa-48752	186	3	and	and	CCONJ
cjfa-48752	186	4	bank	bank	NOUN
cjfa-48752	186	5	performance	performance	NOUN
cjfa-48752	186	6	:	:	PUNCT
cjfa-48752	186	7	evidence	evidence	NOUN
cjfa-48752	186	8	from	from	ADP
cjfa-48752	186	9	iraq	iraq	PROPN
cjfa-48752	186	10	.	.	PUNCT
cjfa-48752	187	1	jisr	jisr	PROPN
cjfa-48752	187	2	-	-	PUNCT
cjfa-48752	187	3	msse	msse	PROPN
cjfa-48752	187	4	,	,	PUNCT
cjfa-48752	187	5	14(1	14(1	NUM
cjfa-48752	187	6	)	)	PUNCT
cjfa-48752	187	7	,	,	PUNCT
cjfa-48752	187	8	29	29	NUM
cjfa-48752	187	9	-	-	SYM
cjfa-48752	187	10	41	41	NUM
cjfa-48752	187	11	.	.	PUNCT
cjfa-48752	188	1	javed	javed	PROPN
cjfa-48752	188	2	,	,	PUNCT
cjfa-48752	188	3	m.	m.	NOUN
cjfa-48752	188	4	,	,	PUNCT
cjfa-48752	188	5	saeed	saeed	PROPN
cjfa-48752	188	6	,	,	PUNCT
cjfa-48752	188	7	r.	r.	PROPN
cjfa-48752	188	8	,	,	PUNCT
cjfa-48752	188	9	lodhi	lodhi	PROPN
cjfa-48752	188	10	,	,	PUNCT
cjfa-48752	188	11	r.n	r.n	PROPN
cjfa-48752	188	12	.	.	PROPN
cjfa-48752	188	13	,	,	PUNCT
cjfa-48752	188	14	&	&	CCONJ
cjfa-48752	188	15	malik	malik	PROPN
cjfa-48752	188	16	,	,	PUNCT
cjfa-48752	188	17	q.u	q.u	PROPN
cjfa-48752	188	18	.	.	PROPN
cjfa-48752	188	19	(	(	PUNCT
cjfa-48752	188	20	2013	2013	NUM
cjfa-48752	188	21	)	)	PUNCT
cjfa-48752	188	22	.	.	PUNCT
cjfa-48752	189	1	the	the	DET
cjfa-48752	189	2	effect	effect	NOUN
cjfa-48752	189	3	of	of	ADP
cjfa-48752	189	4	board	board	NOUN
cjfa-48752	189	5	size	size	NOUN
cjfa-48752	189	6	and	and	CCONJ
cjfa-48752	189	7	structure	structure	NOUN
cjfa-48752	189	8	on	on	ADP
cjfa-48752	189	9	firm	firm	ADJ
cjfa-48752	189	10	financial	financial	ADJ
cjfa-48752	189	11	performance	performance	NOUN
cjfa-48752	189	12	:	:	PUNCT
cjfa-48752	189	13	a	a	DET
cjfa-48752	189	14	case	case	NOUN
cjfa-48752	189	15	of	of	ADP
cjfa-48752	189	16	banking	banking	NOUN
cjfa-48752	189	17	sector	sector	NOUN
cjfa-48752	189	18	in	in	ADP
cjfa-48752	189	19	pakistan	pakistan	PROPN
cjfa-48752	189	20	.	.	PUNCT
cjfa-48752	190	1	middle	middle	ADJ
cjfa-48752	190	2	-	-	PUNCT
cjfa-48752	190	3	east	east	NOUN
cjfa-48752	190	4	journal	journal	NOUN
cjfa-48752	190	5	of	of	ADP
cjfa-48752	190	6	scientific	scientific	ADJ
cjfa-48752	190	7	research	research	NOUN
cjfa-48752	190	8	,	,	PUNCT
cjfa-48752	190	9	15(2	15(2	NUM
cjfa-48752	190	10	)	)	PUNCT
cjfa-48752	190	11	,	,	PUNCT
cjfa-48752	190	12	243	243	NUM
cjfa-48752	190	13	-	-	SYM
cjfa-48752	190	14	251	251	NUM
cjfa-48752	190	15	.	.	PUNCT
cjfa-48752	191	1	http://dx.doi.org/10.5829/	http://dx.doi.org/10.5829/	PROPN
cjfa-48752	191	2	idosi.mejsr.2013.15.2.11048	idosi.mejsr.2013.15.2.11048	PROPN
cjfa-48752	191	3	.	.	PUNCT
cjfa-48752	191	4	johl	johl	PROPN
cjfa-48752	191	5	,	,	PUNCT
cjfa-48752	191	6	s.k	s.k	PROPN
cjfa-48752	191	7	.	.	PROPN
cjfa-48752	191	8	,	,	PUNCT
cjfa-48752	191	9	kaur	kaur	PROPN
cjfa-48752	191	10	,	,	PUNCT
cjfa-48752	191	11	s.	s.	PROPN
cjfa-48752	191	12	,	,	PUNCT
cjfa-48752	191	13	&	&	CCONJ
cjfa-48752	191	14	cooper	cooper	PROPN
cjfa-48752	191	15	,	,	PUNCT
cjfa-48752	191	16	b.j	b.j	PROPN
cjfa-48752	191	17	.	.	PROPN
cjfa-48752	191	18	(	(	PUNCT
cjfa-48752	191	19	2015	2015	NUM
cjfa-48752	191	20	)	)	PUNCT
cjfa-48752	191	21	.	.	PUNCT
cjfa-48752	192	1	board	board	NOUN
cjfa-48752	192	2	characteristics	characteristic	NOUN
cjfa-48752	192	3	and	and	CCONJ
cjfa-48752	192	4	firm	firm	ADJ
cjfa-48752	192	5	performance	performance	NOUN
cjfa-48752	192	6	:	:	PUNCT
cjfa-48752	192	7	evidence	evidence	NOUN
cjfa-48752	192	8	from	from	ADP
cjfa-48752	192	9	malaysian	malaysian	ADJ
cjfa-48752	192	10	public	public	ADJ
cjfa-48752	192	11	listed	list	VERB
cjfa-48752	192	12	firms	firm	NOUN
cjfa-48752	192	13	.	.	PUNCT
cjfa-48752	193	1	journal	journal	PROPN
cjfa-48752	193	2	of	of	ADP
cjfa-48752	193	3	economics	economic	NOUN
cjfa-48752	193	4	,	,	PUNCT
cjfa-48752	193	5	business	business	NOUN
cjfa-48752	193	6	and	and	CCONJ
cjfa-48752	193	7	management	management	NOUN
cjfa-48752	193	8	,	,	PUNCT
cjfa-48752	193	9	3(2	3(2	NUM
cjfa-48752	193	10	)	)	PUNCT
cjfa-48752	193	11	,	,	PUNCT
cjfa-48752	193	12	239	239	NUM
cjfa-48752	193	13	-	-	SYM
cjfa-48752	193	14	243	243	NUM
cjfa-48752	193	15	.	.	PUNCT
cjfa-48752	194	1	board	board	NOUN
cjfa-48752	194	2	characteristics	characteristic	NOUN
cjfa-48752	194	3	,	,	PUNCT
cjfa-48752	194	4	asset	asset	NOUN
cjfa-48752	194	5	quality	quality	NOUN
cjfa-48752	194	6	and	and	CCONJ
cjfa-48752	194	7	financial	financial	ADJ
cjfa-48752	194	8	performance	performance	NOUN
cjfa-48752	194	9	…	…	PUNCT
cjfa-48752	194	10	7777	7777	NUM
cjfa-48752	194	11	kadioglu	kadioglu	PROPN
cjfa-48752	194	12	,	,	PUNCT
cjfa-48752	194	13	e.	e.	PROPN
cjfa-48752	194	14	,	,	PUNCT
cjfa-48752	194	15	telceke	telceke	ADJ
cjfa-48752	194	16	,	,	PUNCT
cjfa-48752	194	17	n.	n.	NOUN
cjfa-48752	194	18	,	,	PUNCT
cjfa-48752	194	19	&	&	CCONJ
cjfa-48752	194	20	ocal	ocal	ADJ
cjfa-48752	194	21	,	,	PUNCT
cjfa-48752	194	22	n.	n.	NOUN
cjfa-48752	194	23	(	(	PUNCT
cjfa-48752	194	24	2017	2017	NUM
cjfa-48752	194	25	)	)	PUNCT
cjfa-48752	194	26	.	.	PUNCT
cjfa-48752	195	1	effect	effect	NOUN
cjfa-48752	195	2	of	of	ADP
cjfa-48752	195	3	asset	asset	NOUN
cjfa-48752	195	4	quality	quality	NOUN
cjfa-48752	195	5	on	on	ADP
cjfa-48752	195	6	the	the	DET
cjfa-48752	195	7	bank	bank	NOUN
cjfa-48752	195	8	profitability	profitability	NOUN
cjfa-48752	195	9	.	.	PUNCT
cjfa-48752	196	1	international	international	ADJ
cjfa-48752	196	2	journal	journal	PROPN
cjfa-48752	196	3	of	of	ADP
cjfa-48752	196	4	economics	economic	NOUN
cjfa-48752	196	5	and	and	CCONJ
cjfa-48752	196	6	finance	finance	NOUN
cjfa-48752	196	7	,	,	PUNCT
cjfa-48752	196	8	9(7	9(7	NUM
cjfa-48752	196	9	)	)	PUNCT
cjfa-48752	196	10	,	,	PUNCT
cjfa-48752	196	11	60	60	NUM
cjfa-48752	196	12	-	-	SYM
cjfa-48752	196	13	68	68	NUM
cjfa-48752	196	14	.	.	PUNCT
cjfa-48752	197	1	kariuki	kariuki	PROPN
cjfa-48752	197	2	,	,	PUNCT
cjfa-48752	197	3	p.w	p.w	PROPN
cjfa-48752	197	4	.	.	PROPN
cjfa-48752	197	5	,	,	PUNCT
cjfa-48752	197	6	muturi	muturi	NOUN
cjfa-48752	197	7	,	,	PUNCT
cjfa-48752	197	8	w.m	w.m	PROPN
cjfa-48752	197	9	.	.	PROPN
cjfa-48752	197	10	,	,	PUNCT
cjfa-48752	197	11	&	&	CCONJ
cjfa-48752	197	12	ngugi	ngugi	PROPN
cjfa-48752	197	13	,	,	PUNCT
cjfa-48752	197	14	p.k	p.k	PROPN
cjfa-48752	197	15	.	.	PUNCT
cjfa-48752	197	16	(	(	PUNCT
cjfa-48752	197	17	2016	2016	NUM
cjfa-48752	197	18	)	)	PUNCT
cjfa-48752	197	19	.	.	PUNCT
cjfa-48752	198	1	asset	asset	NOUN
cjfa-48752	198	2	quality	quality	NOUN
cjfa-48752	198	3	and	and	CCONJ
cjfa-48752	198	4	intermediation	intermediation	NOUN
cjfa-48752	198	5	efficiency	efficiency	NOUN
cjfa-48752	198	6	:	:	PUNCT
cjfa-48752	198	7	a	a	DET
cjfa-48752	198	8	study	study	NOUN
cjfa-48752	198	9	of	of	ADP
cjfa-48752	198	10	deposit	deposit	NOUN
cjfa-48752	198	11	taking	take	VERB
cjfa-48752	198	12	saving	saving	NOUN
cjfa-48752	198	13	and	and	CCONJ
cjfa-48752	198	14	credit	credit	NOUN
cjfa-48752	198	15	co	co	ADJ
cjfa-48752	198	16	-	-	ADJ
cjfa-48752	198	17	operative	operative	ADJ
cjfa-48752	198	18	societies	society	NOUN
cjfa-48752	198	19	in	in	ADP
cjfa-48752	198	20	kenya	kenya	PROPN
cjfa-48752	198	21	.	.	PUNCT
cjfa-48752	199	1	journal	journal	PROPN
cjfa-48752	199	2	of	of	ADP
cjfa-48752	199	3	emerging	emerge	VERB
cjfa-48752	199	4	issues	issue	NOUN
cjfa-48752	199	5	in	in	ADP
cjfa-48752	199	6	economics	economic	NOUN
cjfa-48752	199	7	,	,	PUNCT
cjfa-48752	199	8	finance	finance	NOUN
cjfa-48752	199	9	and	and	CCONJ
cjfa-48752	199	10	banking	banking	NOUN
cjfa-48752	199	11	,	,	PUNCT
cjfa-48752	199	12	5(2	5(2	NUM
cjfa-48752	199	13	)	)	PUNCT
cjfa-48752	199	14	,	,	PUNCT
cjfa-48752	199	15	1843	1843	NUM
cjfa-48752	199	16	-	-	SYM
cjfa-48752	199	17	1859	1859	NUM
cjfa-48752	199	18	.	.	PUNCT
cjfa-48752	200	1	khalid	khalid	PROPN
cjfa-48752	200	2	,	,	PUNCT
cjfa-48752	200	3	a.	a.	PROPN
cjfa-48752	200	4	(	(	PUNCT
cjfa-48752	200	5	2012	2012	NUM
cjfa-48752	200	6	)	)	PUNCT
cjfa-48752	200	7	.	.	PUNCT
cjfa-48752	201	1	the	the	DET
cjfa-48752	201	2	impact	impact	NOUN
cjfa-48752	201	3	of	of	ADP
cjfa-48752	201	4	asset	asset	NOUN
cjfa-48752	201	5	quality	quality	NOUN
cjfa-48752	201	6	on	on	ADP
cjfa-48752	201	7	profitability	profitability	NOUN
cjfa-48752	201	8	of	of	ADP
cjfa-48752	201	9	private	private	ADJ
cjfa-48752	201	10	banks	bank	NOUN
cjfa-48752	201	11	in	in	ADP
cjfa-48752	201	12	india	india	PROPN
cjfa-48752	201	13	:	:	PUNCT
cjfa-48752	201	14	a	a	DET
cjfa-48752	201	15	case	case	NOUN
cjfa-48752	201	16	study	study	NOUN
cjfa-48752	201	17	of	of	ADP
cjfa-48752	201	18	jk	jk	PROPN
cjfa-48752	201	19	,	,	PUNCT
cjfa-48752	201	20	icici	icici	PROPN
cjfa-48752	201	21	,	,	PUNCT
cjfa-48752	201	22	hdfc	hdfc	PROPN
cjfa-48752	201	23	&	&	CCONJ
cjfa-48752	201	24	yes	yes	ADV
cjfa-48752	201	25	banks	bank	NOUN
cjfa-48752	201	26	.	.	PUNCT
cjfa-48752	202	1	journal	journal	PROPN
cjfa-48752	202	2	of	of	ADP
cjfa-48752	202	3	african	african	ADJ
cjfa-48752	202	4	macroeconomic	macroeconomic	ADJ
cjfa-48752	202	5	review	review	NOUN
cjfa-48752	202	6	,	,	PUNCT
cjfa-48752	202	7	2(1	2(1	NUM
cjfa-48752	202	8	)	)	PUNCT
cjfa-48752	202	9	.	.	PUNCT
cjfa-48752	203	1	kolapo	kolapo	PROPN
cjfa-48752	203	2	,	,	PUNCT
cjfa-48752	203	3	t.f	t.f	PROPN
cjfa-48752	203	4	.	.	PROPN
cjfa-48752	203	5	,	,	PUNCT
cjfa-48752	203	6	ayeni	ayeni	PROPN
cjfa-48752	203	7	,	,	PUNCT
cjfa-48752	203	8	r.k	r.k	PROPN
cjfa-48752	203	9	.	.	PROPN
cjfa-48752	203	10	,	,	PUNCT
cjfa-48752	203	11	&	&	CCONJ
cjfa-48752	203	12	oke	oke	PROPN
cjfa-48752	203	13	,	,	PUNCT
cjfa-48752	203	14	o.	o.	PROPN
cjfa-48752	203	15	(	(	PUNCT
cjfa-48752	203	16	2012	2012	NUM
cjfa-48752	203	17	)	)	PUNCT
cjfa-48752	203	18	.	.	PUNCT
cjfa-48752	204	1	credit	credit	NOUN
cjfa-48752	204	2	risk	risk	NOUN
cjfa-48752	204	3	management	management	NOUN
cjfa-48752	204	4	and	and	CCONJ
cjfa-48752	204	5	banks	bank	NOUN
cjfa-48752	204	6	performance	performance	NOUN
cjfa-48752	204	7	.	.	PUNCT
cjfa-48752	205	1	australian	australian	ADJ
cjfa-48752	205	2	journal	journal	NOUN
cjfa-48752	205	3	of	of	ADP
cjfa-48752	205	4	business	business	NOUN
cjfa-48752	205	5	and	and	CCONJ
cjfa-48752	205	6	management	management	NOUN
cjfa-48752	205	7	research	research	NOUN
cjfa-48752	205	8	,	,	PUNCT
cjfa-48752	205	9	7(9	7(9	NUM
cjfa-48752	205	10	)	)	PUNCT
cjfa-48752	205	11	,	,	PUNCT
cjfa-48752	205	12	201	201	NUM
cjfa-48752	205	13	-	-	SYM
cjfa-48752	205	14	221	221	NUM
cjfa-48752	205	15	.	.	PUNCT
cjfa-48752	206	1	liang	liang	PROPN
cjfa-48752	206	2	,	,	PUNCT
cjfa-48752	206	3	q.	q.	PROPN
cjfa-48752	206	4	,	,	PUNCT
cjfa-48752	206	5	xu	xu	PROPN
cjfa-48752	206	6	,	,	PUNCT
cjfa-48752	206	7	p.	p.	PROPN
cjfa-48752	206	8	,	,	PUNCT
cjfa-48752	206	9	&	&	CCONJ
cjfa-48752	206	10	jiraporn	jiraporn	PROPN
cjfa-48752	206	11	,	,	PUNCT
cjfa-48752	206	12	p.	p.	NOUN
cjfa-48752	206	13	(	(	PUNCT
cjfa-48752	206	14	2013	2013	NUM
cjfa-48752	206	15	)	)	PUNCT
cjfa-48752	206	16	.	.	PUNCT
cjfa-48752	207	1	board	board	NOUN
cjfa-48752	207	2	characteristics	characteristic	NOUN
cjfa-48752	207	3	and	and	CCONJ
cjfa-48752	207	4	chinese	chinese	ADJ
cjfa-48752	207	5	bank	bank	NOUN
cjfa-48752	207	6	performance	performance	NOUN
cjfa-48752	207	7	.	.	PUNCT
cjfa-48752	208	1	journal	journal	NOUN
cjfa-48752	208	2	of	of	ADP
cjfa-48752	208	3	banking	banking	NOUN
cjfa-48752	208	4	and	and	CCONJ
cjfa-48752	208	5	finance	finance	NOUN
cjfa-48752	208	6	,	,	PUNCT
cjfa-48752	208	7	37	37	NUM
cjfa-48752	208	8	,	,	PUNCT
cjfa-48752	208	9	2953	2953	NUM
cjfa-48752	208	10	-	-	SYM
cjfa-48752	208	11	2968	2968	NUM
cjfa-48752	208	12	.	.	PUNCT
cjfa-48752	209	1	momoh	momoh	ADJ
cjfa-48752	209	2	,	,	PUNCT
cjfa-48752	209	3	o.a	o.a	PROPN
cjfa-48752	209	4	.	.	PROPN
cjfa-48752	209	5	,	,	PUNCT
cjfa-48752	209	6	&	&	CCONJ
cjfa-48752	209	7	ukpong	ukpong	PROPN
cjfa-48752	209	8	,	,	PUNCT
cjfa-48752	209	9	m.s	m.s	PROPN
cjfa-48752	209	10	.	.	PROPN
cjfa-48752	210	1	(	(	PUNCT
cjfa-48752	210	2	2013	2013	NUM
cjfa-48752	210	3	)	)	PUNCT
cjfa-48752	210	4	.	.	PUNCT
cjfa-48752	211	1	corporate	corporate	ADJ
cjfa-48752	211	2	governance	governance	NOUN
cjfa-48752	211	3	and	and	CCONJ
cjfa-48752	211	4	its	its	PRON
cjfa-48752	211	5	effects	effect	NOUN
cjfa-48752	211	6	on	on	ADP
cjfa-48752	211	7	the	the	DET
cjfa-48752	211	8	nigerian	nigerian	ADJ
cjfa-48752	211	9	insurance	insurance	NOUN
cjfa-48752	211	10	industry	industry	NOUN
cjfa-48752	211	11	.	.	PUNCT
cjfa-48752	212	1	european	european	PROPN
cjfa-48752	212	2	journal	journal	PROPN
cjfa-48752	212	3	of	of	ADP
cjfa-48752	212	4	globalization	globalization	NOUN
cjfa-48752	212	5	and	and	CCONJ
cjfa-48752	212	6	development	development	NOUN
cjfa-48752	212	7	research	research	NOUN
cjfa-48752	212	8	,	,	PUNCT
cjfa-48752	212	9	8(1	8(1	NOUN
cjfa-48752	212	10	)	)	PUNCT
cjfa-48752	212	11	,	,	PUNCT
cjfa-48752	212	12	477	477	NUM
cjfa-48752	212	13	-	-	SYM
cjfa-48752	212	14	491	491	NUM
cjfa-48752	212	15	.	.	PUNCT
cjfa-48752	213	1	muhmad	muhmad	ADJ
cjfa-48752	213	2	,	,	PUNCT
cjfa-48752	213	3	s.n	s.n	PROPN
cjfa-48752	213	4	.	.	PROPN
cjfa-48752	213	5	,	,	PUNCT
cjfa-48752	213	6	&	&	CCONJ
cjfa-48752	213	7	hashim	hashim	PROPN
cjfa-48752	213	8	,	,	PUNCT
cjfa-48752	213	9	h.a	h.a	PROPN
cjfa-48752	213	10	.	.	PROPN
cjfa-48752	213	11	(	(	PUNCT
cjfa-48752	213	12	2015	2015	NUM
cjfa-48752	213	13	)	)	PUNCT
cjfa-48752	213	14	,	,	PUNCT
cjfa-48752	213	15	using	use	VERB
cjfa-48752	213	16	the	the	DET
cjfa-48752	213	17	camel	camel	NOUN
cjfa-48752	213	18	framework	framework	NOUN
cjfa-48752	213	19	in	in	ADP
cjfa-48752	213	20	assessing	assess	VERB
cjfa-48752	213	21	bank	bank	NOUN
cjfa-48752	213	22	performance	performance	NOUN
cjfa-48752	213	23	in	in	ADP
cjfa-48752	213	24	malaysia	malaysia	PROPN
cjfa-48752	213	25	.	.	PUNCT
cjfa-48752	214	1	international	international	ADJ
cjfa-48752	214	2	journal	journal	PROPN
cjfa-48752	214	3	of	of	ADP
cjfa-48752	214	4	economics	economic	NOUN
cjfa-48752	214	5	,	,	PUNCT
cjfa-48752	214	6	management	management	NOUN
cjfa-48752	214	7	and	and	CCONJ
cjfa-48752	214	8	accounting	accounting	NOUN
cjfa-48752	214	9	,	,	PUNCT
cjfa-48752	214	10	23(1	23(1	NOUN
cjfa-48752	214	11	)	)	PUNCT
cjfa-48752	214	12	,	,	PUNCT
cjfa-48752	214	13	110	110	NUM
cjfa-48752	214	14	-	-	SYM
cjfa-48752	214	15	127	127	NUM
cjfa-48752	214	16	.	.	PUNCT
cjfa-48752	215	1	musa	musa	PROPN
cjfa-48752	215	2	,	,	PUNCT
cjfa-48752	215	3	b.	b.	PROPN
cjfa-48752	215	4	,	,	PUNCT
cjfa-48752	215	5	jerry	jerry	PROPN
cjfa-48752	215	6	,	,	PUNCT
cjfa-48752	215	7	m.s	m.s	PROPN
cjfa-48752	215	8	.	.	PROPN
cjfa-48752	215	9	,	,	PUNCT
cjfa-48752	215	10	&	&	CCONJ
cjfa-48752	215	11	abdulrasheed	abdulrasheed	VERB
cjfa-48752	215	12	,	,	PUNCT
cjfa-48752	215	13	a.	a.	NOUN
cjfa-48752	215	14	(	(	PUNCT
cjfa-48752	215	15	2020	2020	NUM
cjfa-48752	215	16	)	)	PUNCT
cjfa-48752	215	17	.	.	PUNCT
cjfa-48752	216	1	effect	effect	NOUN
cjfa-48752	216	2	of	of	ADP
cjfa-48752	216	3	board	board	NOUN
cjfa-48752	216	4	of	of	ADP
cjfa-48752	216	5	directors	director	NOUN
cjfa-48752	216	6	,	,	PUNCT
cjfa-48752	216	7	gender	gender	NOUN
cjfa-48752	216	8	diversity	diversity	NOUN
cjfa-48752	216	9	on	on	ADP
cjfa-48752	216	10	financial	financial	ADJ
cjfa-48752	216	11	performance	performance	NOUN
cjfa-48752	216	12	of	of	ADP
cjfa-48752	216	13	deposit	deposit	NOUN
cjfa-48752	216	14	money	money	NOUN
cjfa-48752	216	15	banks	bank	NOUN
cjfa-48752	216	16	in	in	ADP
cjfa-48752	216	17	nigeria	nigeria	PROPN
cjfa-48752	216	18	.	.	PUNCT
cjfa-48752	217	1	global	global	ADJ
cjfa-48752	217	2	journal	journal	PROPN
cjfa-48752	217	3	of	of	ADP
cjfa-48752	217	4	applied	apply	VERB
cjfa-48752	217	5	,	,	PUNCT
cjfa-48752	217	6	management	management	NOUN
cjfa-48752	217	7	and	and	CCONJ
cjfa-48752	217	8	social	social	ADJ
cjfa-48752	217	9	sciences	science	NOUN
cjfa-48752	217	10	,	,	PUNCT
cjfa-48752	217	11	18	18	NUM
cjfa-48752	217	12	,	,	PUNCT
cjfa-48752	217	13	9	9	NUM
cjfa-48752	217	14	-	-	SYM
cjfa-48752	217	15	19	19	NUM
cjfa-48752	217	16	.	.	PUNCT
cjfa-48752	217	17	odudu	odudu	PROPN
cjfa-48752	217	18	,	,	PUNCT
cjfa-48752	217	19	a.s	a.s	PROPN
cjfa-48752	217	20	.	.	PROPN
cjfa-48752	217	21	,	,	PUNCT
cjfa-48752	217	22	james	james	PROPN
cjfa-48752	217	23	,	,	PUNCT
cjfa-48752	217	24	o.a	o.a	PROPN
cjfa-48752	217	25	.	.	PROPN
cjfa-48752	217	26	,	,	PUNCT
cjfa-48752	217	27	&	&	CCONJ
cjfa-48752	217	28	james	james	PROPN
cjfa-48752	217	29	,	,	PUNCT
cjfa-48752	217	30	o.u	o.u	PROPN
cjfa-48752	217	31	.	.	PROPN
cjfa-48752	217	32	(	(	PUNCT
cjfa-48752	217	33	2016	2016	NUM
cjfa-48752	217	34	)	)	PUNCT
cjfa-48752	217	35	.	.	PUNCT
cjfa-48752	218	1	board	board	NOUN
cjfa-48752	218	2	characteristics	characteristic	NOUN
cjfa-48752	218	3	and	and	CCONJ
cjfa-48752	218	4	financial	financial	ADJ
cjfa-48752	218	5	performance	performance	NOUN
cjfa-48752	218	6	of	of	ADP
cjfa-48752	218	7	deposit	deposit	NOUN
cjfa-48752	218	8	money	money	NOUN
cjfa-48752	218	9	banks	bank	NOUN
cjfa-48752	218	10	in	in	ADP
cjfa-48752	218	11	nigeria	nigeria	PROPN
cjfa-48752	218	12	.	.	PUNCT
cjfa-48752	219	1	international	international	ADJ
cjfa-48752	219	2	journal	journal	PROPN
cjfa-48752	219	3	of	of	ADP
cjfa-48752	219	4	business	business	NOUN
cjfa-48752	219	5	and	and	CCONJ
cjfa-48752	219	6	social	social	ADJ
cjfa-48752	219	7	science	science	NOUN
cjfa-48752	219	8	,	,	PUNCT
cjfa-48752	219	9	7(9	7(9	NUM
cjfa-48752	219	10	)	)	PUNCT
cjfa-48752	219	11	,	,	PUNCT
cjfa-48752	219	12	159	159	NUM
cjfa-48752	219	13	-	-	SYM
cjfa-48752	219	14	173	173	NUM
cjfa-48752	219	15	.	.	PUNCT
cjfa-48752	220	1	ogbechie	ogbechie	PROPN
cjfa-48752	220	2	,	,	PUNCT
cjfa-48752	220	3	c.	c.	PROPN
cjfa-48752	220	4	,	,	PUNCT
cjfa-48752	220	5	&	&	CCONJ
cjfa-48752	220	6	koufopoulos	koufopoulos	PROPN
cjfa-48752	220	7	,	,	PUNCT
cjfa-48752	220	8	d.n	d.n	NOUN
cjfa-48752	220	9	(	(	PUNCT
cjfa-48752	220	10	2010	2010	NUM
cjfa-48752	220	11	)	)	PUNCT
cjfa-48752	220	12	.	.	PUNCT
cjfa-48752	221	1	corporate	corporate	ADJ
cjfa-48752	221	2	governance	governance	NOUN
cjfa-48752	221	3	and	and	CCONJ
cjfa-48752	221	4	board	board	NOUN
cjfa-48752	221	5	practices	practice	NOUN
cjfa-48752	221	6	in	in	ADP
cjfa-48752	221	7	nigerian	nigerian	ADJ
cjfa-48752	221	8	banking	banking	NOUN
cjfa-48752	221	9	industry	industry	NOUN
cjfa-48752	221	10	.	.	PUNCT
cjfa-48752	222	1	available	available	ADJ
cjfa-48752	222	2	through	through	ADP
cjfa-48752	222	3	www.cogbechie	www.cogbechie	ADP
cjfa-48752	222	4	@ibs	@ib	NOUN
cjfa-48752	222	5	.	.	PUNCT
cjfa-48752	223	1	edu.ng	edu.ng	NOUN
cjfa-48752	223	2	or	or	CCONJ
cjfa-48752	223	3	mitrios.koufopoulos@brunel.ac.uk	mitrios.koufopoulos@brunel.ac.uk	NUM
cjfa-48752	223	4	.	.	PUNCT
cjfa-48752	224	1	ogboru	ogboru	PROPN
cjfa-48752	224	2	,	,	PUNCT
cjfa-48752	224	3	m.j	m.j	PROPN
cjfa-48752	224	4	.	.	PROPN
cjfa-48752	224	5	(	(	PUNCT
cjfa-48752	224	6	2019	2019	NUM
cjfa-48752	224	7	)	)	PUNCT
cjfa-48752	224	8	.	.	PUNCT
cjfa-48752	225	1	asset	asset	NOUN
cjfa-48752	225	2	quality	quality	NOUN
cjfa-48752	225	3	and	and	CCONJ
cjfa-48752	225	4	deposit	deposit	NOUN
cjfa-48752	225	5	money	money	NOUN
cjfa-48752	225	6	banks	bank	NOUN
cjfa-48752	225	7	performance	performance	NOUN
cjfa-48752	225	8	in	in	ADP
cjfa-48752	225	9	nigeria	nigeria	PROPN
cjfa-48752	225	10	.	.	PUNCT
cjfa-48752	226	1	american	american	PROPN
cjfa-48752	226	2	international	international	PROPN
cjfa-48752	226	3	journal	journal	PROPN
cjfa-48752	226	4	of	of	ADP
cjfa-48752	226	5	business	business	NOUN
cjfa-48752	226	6	and	and	CCONJ
cjfa-48752	226	7	management	management	NOUN
cjfa-48752	226	8	studies	study	NOUN
cjfa-48752	226	9	,	,	PUNCT
cjfa-48752	226	10	1(1	1(1	NUM
cjfa-48752	226	11	)	)	PUNCT
cjfa-48752	226	12	,	,	PUNCT
cjfa-48752	226	13	38	38	NUM
cjfa-48752	226	14	-	-	SYM
cjfa-48752	226	15	47	47	NUM
cjfa-48752	226	16	.	.	PUNCT
cjfa-48752	227	1	oyedokun	oyedokun	PROPN
cjfa-48752	227	2	,	,	PUNCT
cjfa-48752	227	3	g.o	g.o	PROPN
cjfa-48752	227	4	.	.	PROPN
cjfa-48752	227	5	(	(	PUNCT
cjfa-48752	227	6	2019	2019	NUM
cjfa-48752	227	7	)	)	PUNCT
cjfa-48752	227	8	.	.	PUNCT
cjfa-48752	228	1	board	board	NOUN
cjfa-48752	228	2	characteristics	characteristic	NOUN
cjfa-48752	228	3	and	and	CCONJ
cjfa-48752	228	4	financial	financial	ADJ
cjfa-48752	228	5	performance	performance	NOUN
cjfa-48752	228	6	of	of	ADP
cjfa-48752	228	7	commercial	commercial	ADJ
cjfa-48752	228	8	banks	bank	NOUN
cjfa-48752	228	9	in	in	ADP
cjfa-48752	228	10	nigeria	nigeria	PROPN
cjfa-48752	228	11	.	.	PUNCT
cjfa-48752	229	1	international	international	ADJ
cjfa-48752	229	2	accounting	accounting	NOUN
cjfa-48752	229	3	and	and	CCONJ
cjfa-48752	229	4	taxation	taxation	NOUN
cjfa-48752	229	5	research	research	NOUN
cjfa-48752	229	6	,	,	PUNCT
cjfa-48752	229	7	3(2	3(2	NUM
cjfa-48752	229	8	)	)	PUNCT
cjfa-48752	229	9	,	,	PUNCT
cjfa-48752	229	10	39	39	NUM
cjfa-48752	229	11	-	-	SYM
cjfa-48752	229	12	48	48	NUM
cjfa-48752	229	13	.	.	PUNCT
cjfa-48752	230	1	oyerinde	oyerinde	PROPN
cjfa-48752	230	2	,	,	PUNCT
cjfa-48752	230	3	a.a	a.a	PROPN
cjfa-48752	230	4	.	.	PROPN
cjfa-48752	230	5	(	(	PUNCT
cjfa-48752	230	6	2014	2014	NUM
cjfa-48752	230	7	)	)	PUNCT
cjfa-48752	230	8	.	.	PUNCT
cjfa-48752	231	1	corporate	corporate	ADJ
cjfa-48752	231	2	governance	governance	NOUN
cjfa-48752	231	3	and	and	CCONJ
cjfa-48752	231	4	bank	bank	NOUN
cjfa-48752	231	5	performance	performance	NOUN
cjfa-48752	231	6	in	in	ADP
cjfa-48752	231	7	nigeria	nigeria	PROPN
cjfa-48752	231	8	:	:	PUNCT
cjfa-48752	231	9	further	further	ADJ
cjfa-48752	231	10	evidence	evidence	NOUN
cjfa-48752	231	11	from	from	ADP
cjfa-48752	231	12	nigeria	nigeria	PROPN
cjfa-48752	231	13	.	.	PUNCT
cjfa-48752	232	1	international	international	ADJ
cjfa-48752	232	2	journal	journal	PROPN
cjfa-48752	232	3	of	of	ADP
cjfa-48752	232	4	business	business	NOUN
cjfa-48752	232	5	and	and	CCONJ
cjfa-48752	232	6	management	management	NOUN
cjfa-48752	232	7	,	,	PUNCT
cjfa-48752	232	8	9	9	NUM
cjfa-48752	232	9	 	 	SPACE
cjfa-48752	232	10	(	(	PUNCT
cjfa-48752	232	11	8)	8)	NUM
cjfa-48752	232	12	,	,	PUNCT
cjfa-48752	232	13	133	133	NUM
cjfa-48752	232	14	-	-	SYM
cjfa-48752	232	15	139	139	NUM
cjfa-48752	232	16	.	.	PUNCT
cjfa-48752	233	1	http://dx.doi.org/10.5539/ijbm.v9n8p133	http://dx.doi.org/10.5539/ijbm.v9n8p133	NOUN
cjfa-48752	233	2	.	.	PUNCT
cjfa-48752	234	1	sarens	saren	NOUN
cjfa-48752	234	2	,	,	PUNCT
cjfa-48752	234	3	g.	g.	PROPN
cjfa-48752	234	4	,	,	PUNCT
cjfa-48752	234	5	&	&	CCONJ
cjfa-48752	234	6	merendino	merendino	PROPN
cjfa-48752	234	7	,	,	PUNCT
cjfa-48752	234	8	a.	a.	NOUN
cjfa-48752	234	9	(	(	PUNCT
cjfa-48752	234	10	2016	2016	NUM
cjfa-48752	234	11	)	)	PUNCT
cjfa-48752	234	12	.	.	PUNCT
cjfa-48752	235	1	multiple	multiple	ADJ
cjfa-48752	235	2	agency	agency	NOUN
cjfa-48752	235	3	theory	theory	NOUN
cjfa-48752	235	4	in	in	ADP
cjfa-48752	235	5	corporate	corporate	ADJ
cjfa-48752	235	6	governance	governance	NOUN
cjfa-48752	235	7	:	:	PUNCT
cjfa-48752	235	8	an	an	DET
cjfa-48752	235	9	alternative	alternative	ADJ
cjfa-48752	235	10	lens	lens	NOUN
cjfa-48752	235	11	to	to	PART
cjfa-48752	235	12	study	study	VERB
cjfa-48752	235	13	independent	independent	ADJ
cjfa-48752	235	14	directors	director	NOUN
cjfa-48752	235	15	.	.	PUNCT
cjfa-48752	236	1	working	work	VERB
cjfa-48752	236	2	paper	paper	NOUN
cjfa-48752	236	3	series	series	NOUN
cjfa-48752	236	4	,	,	PUNCT
cjfa-48752	236	5	louvain	louvain	VERB
cjfa-48752	236	6	school	school	NOUN
cjfa-48752	236	7	of	of	ADP
cjfa-48752	236	8	management	management	NOUN
cjfa-48752	236	9	research	research	PROPN
cjfa-48752	236	10	institute	institute	PROPN
cjfa-48752	236	11	.	.	PUNCT
cjfa-48752	237	1	subair	subair	PROPN
cjfa-48752	237	2	,	,	PUNCT
cjfa-48752	237	3	m.l	m.l	PROPN
cjfa-48752	237	4	.	.	PROPN
cjfa-48752	237	5	,	,	PUNCT
cjfa-48752	237	6	salman	salman	PROPN
cjfa-48752	237	7	,	,	PUNCT
cjfa-48752	237	8	r.t	r.t	PROPN
cjfa-48752	237	9	.	.	PROPN
cjfa-48752	237	10	,	,	PUNCT
cjfa-48752	237	11	abolarin	abolarin	PROPN
cjfa-48752	237	12	,	,	PUNCT
cjfa-48752	237	13	a.f	a.f	PROPN
cjfa-48752	237	14	.	.	PROPN
cjfa-48752	237	15	,	,	PUNCT
cjfa-48752	237	16	abdullahi	abdullahi	PROPN
cjfa-48752	237	17	,	,	PUNCT
cjfa-48752	237	18	a.t	a.t	PROPN
cjfa-48752	237	19	.	.	PROPN
cjfa-48752	237	20	,	,	PUNCT
cjfa-48752	237	21	&	&	CCONJ
cjfa-48752	237	22	othman	othman	PROPN
cjfa-48752	237	23	,	,	PUNCT
cjfa-48752	237	24	a.s	a.s	PROPN
cjfa-48752	237	25	.	.	PROPN
cjfa-48752	237	26	(	(	PUNCT
cjfa-48752	237	27	2020	2020	NUM
cjfa-48752	237	28	)	)	PUNCT
cjfa-48752	237	29	.	.	PUNCT
cjfa-48752	238	1	board	board	NOUN
cjfa-48752	238	2	characteristics	characteristic	NOUN
cjfa-48752	238	3	and	and	CCONJ
cjfa-48752	238	4	the	the	DET
cjfa-48752	238	5	likelihood	likelihood	NOUN
cjfa-48752	238	6	of	of	ADP
cjfa-48752	238	7	financial	financial	ADJ
cjfa-48752	238	8	statement	statement	NOUN
cjfa-48752	238	9	fraud	fraud	NOUN
cjfa-48752	238	10	.	.	PUNCT
cjfa-48752	239	1	copernican	copernican	PROPN
cjfa-48752	239	2	journal	journal	PROPN
cjfa-48752	239	3	of	of	ADP
cjfa-48752	239	4	finance	finance	PROPN
cjfa-48752	239	5	&	&	CCONJ
cjfa-48752	239	6	accounting	accounting	PROPN
cjfa-48752	239	7	,	,	PUNCT
cjfa-48752	239	8	9(1	9(1	NUM
cjfa-48752	239	9	)	)	PUNCT
cjfa-48752	239	10	,	,	PUNCT
cjfa-48752	239	11	57–76	57–76	NUM
cjfa-48752	239	12	.	.	PUNCT
cjfa-48752	239	13	http://dx.doi.org/10.12775/cjfa.2020.003	http://dx.doi.org/10.12775/cjfa.2020.003	PROPN
cjfa-48752	239	14	.	.	PROPN
cjfa-48752	240	1	thiagarajan	thiagarajan	PROPN
cjfa-48752	240	2	,	,	PUNCT
cjfa-48752	240	3	s.	s.	PROPN
cjfa-48752	240	4	,	,	PUNCT
cjfa-48752	240	5	ayyappan	ayyappan	PROPN
cjfa-48752	240	6	,	,	PUNCT
cjfa-48752	240	7	s.	s.	PROPN
cjfa-48752	240	8	,	,	PUNCT
cjfa-48752	240	9	&	&	CCONJ
cjfa-48752	240	10	ramachandran	ramachandran	PROPN
cjfa-48752	240	11	,	,	PUNCT
cjfa-48752	240	12	a.	a.	NOUN
cjfa-48752	240	13	(	(	PUNCT
cjfa-48752	240	14	2011	2011	NUM
cjfa-48752	240	15	)	)	PUNCT
cjfa-48752	240	16	.	.	PUNCT
cjfa-48752	241	1	credit	credit	NOUN
cjfa-48752	241	2	risk	risk	NOUN
cjfa-48752	241	3	determinants	determinant	NOUN
cjfa-48752	241	4	of	of	ADP
cjfa-48752	241	5	public	public	ADJ
cjfa-48752	241	6	and	and	CCONJ
cjfa-48752	241	7	private	private	ADJ
cjfa-48752	241	8	sector	sector	NOUN
cjfa-48752	241	9	banks	bank	NOUN
cjfa-48752	241	10	in	in	ADP
cjfa-48752	241	11	india	india	PROPN
cjfa-48752	241	12	.	.	PUNCT
cjfa-48752	242	1	european	european	PROPN
cjfa-48752	242	2	journal	journal	PROPN
cjfa-48752	242	3	of	of	ADP
cjfa-48752	242	4	economics	economic	NOUN
cjfa-48752	242	5	,	,	PUNCT
cjfa-48752	242	6	finance	finance	NOUN
cjfa-48752	242	7	and	and	CCONJ
cjfa-48752	242	8	administrative	administrative	ADJ
cjfa-48752	242	9	sciences	science	NOUN
cjfa-48752	242	10	,	,	PUNCT
cjfa-48752	242	11	3(4	3(4	NUM
cjfa-48752	242	12	)	)	PUNCT
cjfa-48752	242	13	,	,	PUNCT
cjfa-48752	242	14	45	45	NUM
cjfa-48752	242	15	-	-	SYM
cjfa-48752	242	16	58	58	NUM
cjfa-48752	242	17	.	.	PUNCT
cjfa-48752	243	1	y.	y.	PROPN
cjfa-48752	243	2	o.	o.	PROPN
cjfa-48752	243	3	quadri	quadri	PROPN
cjfa-48752	243	4	,	,	PUNCT
cjfa-48752	243	5	i.	i.	PROPN
cjfa-48752	243	6	o.	o.	PROPN
cjfa-48752	243	7	omotosho	omotosho	PROPN
cjfa-48752	243	8	,	,	PUNCT
cjfa-48752	243	9	d.	d.	PROPN
cjfa-48752	243	10	o.	o.	PROPN
cjfa-48752	243	11	saheed	sahee	VERB
cjfa-48752	243	12	,	,	PUNCT
cjfa-48752	243	13	b.	b.	PROPN
cjfa-48752	243	14	a.	a.	PROPN
cjfa-48752	243	15	adio7878	adio7878	PROPN
cjfa-48752	243	16	ujunwa	ujunwa	PROPN
cjfa-48752	243	17	,	,	PUNCT
cjfa-48752	243	18	a.	a.	NOUN
cjfa-48752	243	19	,	,	PUNCT
cjfa-48752	243	20	okoyeuzu	okoyeuzu	PROPN
cjfa-48752	243	21	,	,	PUNCT
cjfa-48752	243	22	c.	c.	PROPN
cjfa-48752	243	23	,	,	PUNCT
cjfa-48752	243	24	&	&	CCONJ
cjfa-48752	243	25	nwakoby	nwakoby	PROPN
cjfa-48752	243	26	,	,	PUNCT
cjfa-48752	243	27	i.	i.	PROPN
cjfa-48752	243	28	(	(	PUNCT
cjfa-48752	243	29	2012	2012	NUM
cjfa-48752	243	30	)	)	PUNCT
cjfa-48752	243	31	.	.	PUNCT
cjfa-48752	244	1	corporate	corporate	ADJ
cjfa-48752	244	2	board	board	NOUN
cjfa-48752	244	3	diversity	diversity	NOUN
cjfa-48752	244	4	and	and	CCONJ
cjfa-48752	244	5	firm	firm	ADJ
cjfa-48752	244	6	performance	performance	NOUN
cjfa-48752	244	7	:	:	PUNCT
cjfa-48752	244	8	evidence	evidence	NOUN
cjfa-48752	244	9	from	from	ADP
cjfa-48752	244	10	nigeria	nigeria	PROPN
cjfa-48752	244	11	.	.	PUNCT
cjfa-48752	245	1	review	review	NOUN
cjfa-48752	245	2	of	of	ADP
cjfa-48752	245	3	international	international	ADJ
cjfa-48752	245	4	comparative	comparative	ADJ
cjfa-48752	245	5	management	management	NOUN
cjfa-48752	245	6	,	,	PUNCT
cjfa-48752	245	7	13(4	13(4	NUM
cjfa-48752	245	8	)	)	PUNCT
cjfa-48752	245	9	,	,	PUNCT
cjfa-48752	245	10	605	605	NUM
cjfa-48752	245	11	-	-	SYM
cjfa-48752	245	12	620	620	NUM
cjfa-48752	245	13	.	.	PUNCT
cjfa-48752	246	1	yusoff	yusoff	NOUN
cjfa-48752	246	2	,	,	PUNCT
cjfa-48752	246	3	w.f.w	w.f.w	NOUN
cjfa-48752	246	4	.	.	PUNCT
cjfa-48752	246	5	,	,	PUNCT
cjfa-48752	246	6	&	&	CCONJ
cjfa-48752	246	7	alhaji	alhaji	PROPN
cjfa-48752	246	8	,	,	PUNCT
cjfa-48752	246	9	i.a	i.a	PROPN
cjfa-48752	246	10	.	.	PROPN
cjfa-48752	246	11	(	(	PUNCT
cjfa-48752	246	12	2012	2012	NUM
cjfa-48752	246	13	)	)	PUNCT
cjfa-48752	246	14	.	.	PUNCT
cjfa-48752	247	1	insight	insight	NOUN
cjfa-48752	247	2	of	of	ADP
cjfa-48752	247	3	corporate	corporate	ADJ
cjfa-48752	247	4	governance	governance	NOUN
cjfa-48752	247	5	theories	theory	NOUN
cjfa-48752	247	6	.	.	PUNCT
cjfa-48752	248	1	journal	journal	NOUN
cjfa-48752	248	2	of	of	ADP
cjfa-48752	248	3	business	business	NOUN
cjfa-48752	248	4	and	and	CCONJ
cjfa-48752	248	5	management	management	NOUN
cjfa-48752	248	6	,	,	PUNCT
cjfa-48752	248	7	1(1	1(1	NUM
cjfa-48752	248	8	)	)	PUNCT
cjfa-48752	248	9	,	,	PUNCT
cjfa-48752	248	10	52	52	NUM
cjfa-48752	248	11	-	-	SYM
cjfa-48752	248	12	63	63	NUM
cjfa-48752	248	13	.	.	PUNCT