id	sid	tid	token	lemma	pos
easat-2718	1	1	edelweiss	edelweiss	PROPN
easat-2718	1	2	applied	apply	VERB
easat-2718	1	3	science	science	NOUN
easat-2718	1	4	and	and	CCONJ
easat-2718	1	5	technology	technology	NOUN
easat-2718	1	6	issn	issn	PROPN
easat-2718	1	7	:	:	PUNCT
easat-2718	1	8	2576	2576	NUM
easat-2718	1	9	-	-	SYM
easat-2718	1	10	8484	8484	NUM
easat-2718	1	11	vol	vol	NOUN
easat-2718	1	12	.	.	PROPN
easat-2718	1	13	8	8	NUM
easat-2718	1	14	,	,	PUNCT
easat-2718	1	15	no	no	INTJ
easat-2718	1	16	.	.	NOUN
easat-2718	1	17	6	6	NUM
easat-2718	1	18	,	,	PUNCT
easat-2718	1	19	3361	3361	NUM
easat-2718	1	20	-	-	SYM
easat-2718	1	21	3380	3380	NUM
easat-2718	1	22	2024	2024	NUM
easat-2718	1	23	publisher	publisher	NOUN
easat-2718	1	24	:	:	PUNCT
easat-2718	1	25	learning	learn	VERB
easat-2718	1	26	gate	gate	NOUN
easat-2718	1	27	doi	doi	PROPN
easat-2718	1	28	:	:	PUNCT
easat-2718	1	29	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	1	30	©	©	PROPN
easat-2718	1	31	2024	2024	NUM
easat-2718	1	32	by	by	ADP
easat-2718	1	33	the	the	DET
easat-2718	1	34	authors	author	NOUN
easat-2718	1	35	;	;	PUNCT
easat-2718	1	36	licensee	licensee	PROPN
easat-2718	1	37	learning	learning	NOUN
easat-2718	1	38	gate	gate	NOUN
easat-2718	1	39	©	©	PROPN
easat-2718	1	40	2024	2024	NUM
easat-2718	1	41	by	by	ADP
easat-2718	1	42	the	the	DET
easat-2718	1	43	authors	author	NOUN
easat-2718	1	44	;	;	PUNCT
easat-2718	1	45	licensee	licensee	PROPN
easat-2718	1	46	learning	learn	VERB
easat-2718	1	47	gate	gate	NOUN
easat-2718	1	48	*	*	PUNCT
easat-2718	1	49	correspondence	correspondence	NOUN
easat-2718	1	50	:	:	PUNCT
easat-2718	1	51	trangntt@hvnh.edu.vn	trangntt@hvnh.edu.vn	NUM
easat-2718	1	52	interest	interest	NOUN
easat-2718	1	53	rate	rate	NOUN
easat-2718	1	54	risk	risk	NOUN
easat-2718	1	55	in	in	ADP
easat-2718	1	56	banking	banking	NOUN
easat-2718	1	57	book	book	NOUN
easat-2718	1	58	management	management	NOUN
easat-2718	1	59	at	at	ADP
easat-2718	1	60	commercial	commercial	ADJ
easat-2718	1	61	banks	bank	NOUN
easat-2718	1	62	in	in	ADP
easat-2718	1	63	vietnam	vietnam	PROPN
easat-2718	1	64	trang	trang	PROPN
easat-2718	1	65	nguyen	nguyen	PROPN
easat-2718	2	1	thi	thi	AUX
easat-2718	2	2	thu1	thu1	PROPN
easat-2718	2	3	*	*	NOUN
easat-2718	2	4	,	,	PUNCT
easat-2718	2	5	hang	hang	VERB
easat-2718	2	6	do	do	VERB
easat-2718	2	7	thu2	thu2	PROPN
easat-2718	2	8	,	,	PUNCT
easat-2718	2	9	huong	huong	PROPN
easat-2718	2	10	tran	tran	PROPN
easat-2718	2	11	thi	thi	PROPN
easat-2718	2	12	thu3	thu3	PROPN
easat-2718	2	13	,	,	PUNCT
easat-2718	2	14	huong	huong	PROPN
easat-2718	2	15	nguyen	nguyen	PROPN
easat-2718	2	16	thi	thi	VERB
easat-2718	2	17	diem4	diem4	PROPN
easat-2718	2	18	1,2,3,4banking	1,2,3,4banking	NUM
easat-2718	2	19	academy	academy	PROPN
easat-2718	2	20	of	of	ADP
easat-2718	2	21	vietnam	vietnam	PROPN
easat-2718	2	22	;	;	PUNCT
easat-2718	2	23	trangntt@hvnh.edu.vn	trangntt@hvnh.edu.vn	NOUN
easat-2718	2	24	(	(	PUNCT
easat-2718	2	25	t.n.t.t	t.n.t.t	PROPN
easat-2718	2	26	.	.	PUNCT
easat-2718	2	27	)	)	PUNCT
easat-2718	3	1	hangdo@hvnh.edu.vn	hangdo@hvnh.edu.vn	PROPN
easat-2718	3	2	(	(	PUNCT
easat-2718	3	3	h.d.t	h.d.t	ADJ
easat-2718	3	4	.	.	PUNCT
easat-2718	3	5	)	)	PUNCT
easat-2718	4	1	huongtran@hvnh.edu.vn	huongtran@hvnh.edu.vn	ADJ
easat-2718	4	2	(	(	PUNCT
easat-2718	4	3	h.t.t.t	h.t.t.t	X
easat-2718	4	4	.	.	PUNCT
easat-2718	4	5	)	)	PUNCT
easat-2718	4	6	huongntd@hvnh.edu.vn	huongntd@hvnh.edu.vn	NOUN
easat-2718	4	7	(	(	PUNCT
easat-2718	4	8	h.n.t.d	h.n.t.d	PROPN
easat-2718	4	9	.	.	PUNCT
easat-2718	4	10	)	)	PUNCT
easat-2718	4	11	.	.	PUNCT
easat-2718	5	1	abstract	abstract	ADJ
easat-2718	5	2	:	:	PUNCT
easat-2718	5	3	interest	interest	NOUN
easat-2718	5	4	rate	rate	NOUN
easat-2718	5	5	risk	risk	NOUN
easat-2718	5	6	is	be	AUX
easat-2718	5	7	potentially	potentially	ADV
easat-2718	5	8	averse	averse	ADJ
easat-2718	5	9	to	to	ADP
easat-2718	5	10	a	a	DET
easat-2718	5	11	commercial	commercial	ADJ
easat-2718	5	12	bank	bank	NOUN
easat-2718	5	13	's	's	PART
easat-2718	5	14	trading	trading	NOUN
easat-2718	5	15	book	book	NOUN
easat-2718	5	16	and	and	CCONJ
easat-2718	5	17	banking	banking	NOUN
easat-2718	5	18	book	book	NOUN
easat-2718	5	19	.	.	PUNCT
easat-2718	6	1	the	the	DET
easat-2718	6	2	sharp	sharp	ADJ
easat-2718	6	3	and	and	CCONJ
easat-2718	6	4	rapid	rapid	ADJ
easat-2718	6	5	volatility	volatility	NOUN
easat-2718	6	6	of	of	ADP
easat-2718	6	7	interest	interest	NOUN
easat-2718	6	8	rates	rate	NOUN
easat-2718	6	9	can	can	AUX
easat-2718	6	10	push	push	VERB
easat-2718	6	11	commercial	commercial	ADJ
easat-2718	6	12	banks	bank	NOUN
easat-2718	6	13	to	to	PART
easat-2718	6	14	fall	fall	VERB
easat-2718	6	15	into	into	ADP
easat-2718	6	16	difficult	difficult	ADJ
easat-2718	6	17	situations	situation	NOUN
easat-2718	6	18	,	,	PUNCT
easat-2718	6	19	thus	thus	ADV
easat-2718	6	20	leading	lead	VERB
easat-2718	6	21	to	to	ADP
easat-2718	6	22	instability	instability	NOUN
easat-2718	6	23	of	of	ADP
easat-2718	6	24	the	the	DET
easat-2718	6	25	whole	whole	ADJ
easat-2718	6	26	banking	banking	NOUN
easat-2718	6	27	system	system	NOUN
easat-2718	6	28	.	.	PUNCT
easat-2718	7	1	therefore	therefore	ADV
easat-2718	7	2	,	,	PUNCT
easat-2718	7	3	interest	interest	NOUN
easat-2718	7	4	rate	rate	NOUN
easat-2718	7	5	risk	risk	NOUN
easat-2718	7	6	in	in	ADP
easat-2718	7	7	banking	banking	NOUN
easat-2718	7	8	book	book	NOUN
easat-2718	7	9	(	(	PUNCT
easat-2718	7	10	irrbb	irrbb	NOUN
easat-2718	7	11	)	)	PUNCT
easat-2718	7	12	management	management	NOUN
easat-2718	7	13	plays	play	VERB
easat-2718	7	14	a	a	DET
easat-2718	7	15	vital	vital	ADJ
easat-2718	7	16	role	role	NOUN
easat-2718	7	17	in	in	ADP
easat-2718	7	18	banking	banking	NOUN
easat-2718	7	19	operations	operation	NOUN
easat-2718	7	20	.	.	PUNCT
easat-2718	8	1	this	this	DET
easat-2718	8	2	paper	paper	NOUN
easat-2718	8	3	analyzes	analyze	VERB
easat-2718	8	4	the	the	DET
easat-2718	8	5	current	current	ADJ
easat-2718	8	6	management	management	NOUN
easat-2718	8	7	of	of	ADP
easat-2718	8	8	irrbb	irrbb	NOUN
easat-2718	8	9	at	at	ADP
easat-2718	8	10	21	21	NUM
easat-2718	8	11	commercial	commercial	ADJ
easat-2718	8	12	banks	bank	NOUN
easat-2718	8	13	in	in	ADP
easat-2718	8	14	vietnam	vietnam	PROPN
easat-2718	8	15	by	by	ADP
easat-2718	8	16	doing	do	VERB
easat-2718	8	17	in	in	ADP
easat-2718	8	18	-	-	PUNCT
easat-2718	8	19	depth	depth	NOUN
easat-2718	8	20	interviews	interview	NOUN
easat-2718	8	21	and	and	CCONJ
easat-2718	8	22	questionnaires	questionnaire	NOUN
easat-2718	8	23	.	.	PUNCT
easat-2718	9	1	the	the	DET
easat-2718	9	2	finding	finding	NOUN
easat-2718	9	3	indicates	indicate	VERB
easat-2718	9	4	that	that	SCONJ
easat-2718	9	5	the	the	DET
easat-2718	9	6	level	level	NOUN
easat-2718	9	7	of	of	ADP
easat-2718	9	8	irrbb	irrbb	PROPN
easat-2718	9	9	management	management	NOUN
easat-2718	9	10	of	of	ADP
easat-2718	9	11	commercial	commercial	ADJ
easat-2718	9	12	banks	bank	NOUN
easat-2718	9	13	in	in	ADP
easat-2718	9	14	vietnam	vietnam	PROPN
easat-2718	9	15	is	be	AUX
easat-2718	9	16	mostly	mostly	ADV
easat-2718	9	17	relatively	relatively	ADV
easat-2718	9	18	completed	complete	VERB
easat-2718	9	19	or	or	CCONJ
easat-2718	9	20	inadequate	inadequate	ADJ
easat-2718	9	21	,	,	PUNCT
easat-2718	9	22	with	with	ADP
easat-2718	9	23	the	the	DET
easat-2718	9	24	highest	high	ADJ
easat-2718	9	25	levels	level	NOUN
easat-2718	9	26	belonging	belong	VERB
easat-2718	9	27	to	to	ADP
easat-2718	9	28	international	international	ADJ
easat-2718	9	29	commercial	commercial	ADJ
easat-2718	9	30	banks	bank	NOUN
easat-2718	9	31	and	and	CCONJ
easat-2718	9	32	the	the	DET
easat-2718	9	33	banks	bank	NOUN
easat-2718	9	34	that	that	PRON
easat-2718	9	35	implement	implement	VERB
easat-2718	9	36	basel	basel	PROPN
easat-2718	9	37	ii	ii	PROPN
easat-2718	9	38	.	.	PUNCT
easat-2718	10	1	furthermore	furthermore	ADV
easat-2718	10	2	,	,	PUNCT
easat-2718	10	3	the	the	DET
easat-2718	10	4	study	study	NOUN
easat-2718	10	5	also	also	ADV
easat-2718	10	6	executes	execute	VERB
easat-2718	10	7	a	a	DET
easat-2718	10	8	simulation	simulation	NOUN
easat-2718	10	9	of	of	ADP
easat-2718	10	10	irrbb	irrbb	PROPN
easat-2718	10	11	management	management	NOUN
easat-2718	10	12	at	at	ADP
easat-2718	10	13	one	one	NUM
easat-2718	10	14	commercial	commercial	ADJ
easat-2718	10	15	bank	bank	NOUN
easat-2718	10	16	according	accord	VERB
easat-2718	10	17	to	to	ADP
easat-2718	10	18	current	current	ADJ
easat-2718	10	19	regulations	regulation	NOUN
easat-2718	10	20	of	of	ADP
easat-2718	10	21	the	the	DET
easat-2718	10	22	state	state	PROPN
easat-2718	10	23	bank	bank	PROPN
easat-2718	10	24	of	of	ADP
easat-2718	10	25	vietnam	vietnam	PROPN
easat-2718	10	26	.	.	PUNCT
easat-2718	11	1	based	base	VERB
easat-2718	11	2	on	on	ADP
easat-2718	11	3	the	the	DET
easat-2718	11	4	selected	select	VERB
easat-2718	11	5	interest	interest	NOUN
easat-2718	11	6	rate	rate	NOUN
easat-2718	11	7	scenarios	scenario	NOUN
easat-2718	11	8	,	,	PUNCT
easat-2718	11	9	the	the	DET
easat-2718	11	10	capital	capital	NOUN
easat-2718	11	11	requirement	requirement	NOUN
easat-2718	11	12	for	for	ADP
easat-2718	11	13	irrbb	irrbb	NOUN
easat-2718	11	14	is	be	AUX
easat-2718	11	15	calculated	calculate	VERB
easat-2718	11	16	,	,	PUNCT
easat-2718	11	17	which	which	PRON
easat-2718	11	18	is	be	AUX
easat-2718	11	19	the	the	DET
easat-2718	11	20	actual	actual	ADJ
easat-2718	11	21	simulation	simulation	NOUN
easat-2718	11	22	for	for	ADP
easat-2718	11	23	commercial	commercial	ADJ
easat-2718	11	24	banking	banking	NOUN
easat-2718	11	25	in	in	ADP
easat-2718	11	26	implementing	implement	VERB
easat-2718	11	27	the	the	DET
easat-2718	11	28	irrbbb	irrbbb	ADJ
easat-2718	11	29	framework	framework	NOUN
easat-2718	11	30	.	.	PUNCT
easat-2718	12	1	finally	finally	ADV
easat-2718	12	2	,	,	PUNCT
easat-2718	12	3	to	to	PART
easat-2718	12	4	improve	improve	VERB
easat-2718	12	5	the	the	DET
easat-2718	12	6	effectiveness	effectiveness	NOUN
easat-2718	12	7	of	of	ADP
easat-2718	12	8	irrbb	irrbb	PROPN
easat-2718	12	9	management	management	NOUN
easat-2718	12	10	in	in	ADP
easat-2718	12	11	vietnam	vietnam	PROPN
easat-2718	12	12	,	,	PUNCT
easat-2718	12	13	some	some	DET
easat-2718	12	14	implications	implication	NOUN
easat-2718	12	15	for	for	ADP
easat-2718	12	16	the	the	DET
easat-2718	12	17	state	state	PROPN
easat-2718	12	18	bank	bank	PROPN
easat-2718	12	19	of	of	ADP
easat-2718	12	20	vietnam	vietnam	PROPN
easat-2718	12	21	and	and	CCONJ
easat-2718	12	22	commercial	commercial	ADJ
easat-2718	12	23	banks	bank	NOUN
easat-2718	12	24	are	be	AUX
easat-2718	12	25	provided	provide	VERB
easat-2718	12	26	.	.	PUNCT
easat-2718	13	1	keywords	keyword	NOUN
easat-2718	13	2	:	:	PUNCT
easat-2718	13	3	bank	bank	NOUN
easat-2718	13	4	management	management	NOUN
easat-2718	13	5	,	,	PUNCT
easat-2718	13	6	basel	basel	PROPN
easat-2718	13	7	,	,	PUNCT
easat-2718	13	8	interest	interest	NOUN
easat-2718	13	9	rate	rate	NOUN
easat-2718	13	10	risk	risk	NOUN
easat-2718	13	11	in	in	ADP
easat-2718	13	12	the	the	DET
easat-2718	13	13	banking	banking	NOUN
easat-2718	13	14	book	book	NOUN
easat-2718	13	15	,	,	PUNCT
easat-2718	13	16	irrbb	irrbb	PROPN
easat-2718	13	17	.	.	PUNCT
easat-2718	14	1	jel	jel	PROPN
easat-2718	14	2	classifications	classification	NOUN
easat-2718	14	3	:	:	PUNCT
easat-2718	14	4	e43	e43	NOUN
easat-2718	14	5	;	;	PUNCT
easat-2718	14	6	g21	g21	PROPN
easat-2718	14	7	;	;	PUNCT
easat-2718	14	8	g22	g22	NOUN
easat-2718	14	9	.	.	PUNCT
easat-2718	15	1	1	1	X
easat-2718	15	2	.	.	X
easat-2718	15	3	introduction	introduction	NOUN
easat-2718	15	4	the	the	DET
easat-2718	15	5	saving	saving	NOUN
easat-2718	15	6	and	and	CCONJ
easat-2718	15	7	credit	credit	NOUN
easat-2718	15	8	crisis	crisis	NOUN
easat-2718	15	9	in	in	ADP
easat-2718	15	10	the	the	DET
easat-2718	15	11	1980s	1980s	NUM
easat-2718	15	12	is	be	AUX
easat-2718	15	13	argued	argue	VERB
easat-2718	15	14	to	to	PART
easat-2718	15	15	be	be	AUX
easat-2718	15	16	a	a	DET
easat-2718	15	17	consequence	consequence	NOUN
easat-2718	15	18	of	of	ADP
easat-2718	15	19	interest	interest	NOUN
easat-2718	15	20	rate	rate	NOUN
easat-2718	15	21	risk	risk	NOUN
easat-2718	15	22	in	in	ADP
easat-2718	15	23	the	the	DET
easat-2718	15	24	banking	banking	NOUN
easat-2718	15	25	book	book	NOUN
easat-2718	15	26	(	(	PUNCT
easat-2718	15	27	irrbb	irrbb	PROPN
easat-2718	15	28	)	)	PUNCT
easat-2718	15	29	,	,	PUNCT
easat-2718	15	30	which	which	PRON
easat-2718	15	31	must	must	AUX
easat-2718	15	32	be	be	AUX
easat-2718	15	33	managed	manage	VERB
easat-2718	15	34	more	more	ADV
easat-2718	15	35	strictly	strictly	ADV
easat-2718	15	36	and	and	CCONJ
easat-2718	15	37	effectively	effectively	ADV
easat-2718	15	38	(	(	PUNCT
easat-2718	15	39	bcbs	bcb	NOUN
easat-2718	15	40	,	,	PUNCT
easat-2718	15	41	2012	2012	NUM
easat-2718	15	42	;	;	PUNCT
easat-2718	15	43	scandizzo	scandizzo	NOUN
easat-2718	15	44	,	,	PUNCT
easat-2718	15	45	2016	2016	NUM
easat-2718	15	46	)	)	PUNCT
easat-2718	15	47	.	.	PUNCT
easat-2718	16	1	in	in	ADP
easat-2718	16	2	the	the	DET
easat-2718	16	3	trading	trading	NOUN
easat-2718	16	4	book	book	NOUN
easat-2718	16	5	,	,	PUNCT
easat-2718	16	6	banks	bank	NOUN
easat-2718	16	7	engage	engage	VERB
easat-2718	16	8	in	in	ADP
easat-2718	16	9	short	short	ADJ
easat-2718	16	10	-	-	PUNCT
easat-2718	16	11	term	term	NOUN
easat-2718	16	12	buying	buying	NOUN
easat-2718	16	13	and	and	CCONJ
easat-2718	16	14	selling	selling	NOUN
easat-2718	16	15	of	of	ADP
easat-2718	16	16	financial	financial	ADJ
easat-2718	16	17	instruments	instrument	NOUN
easat-2718	16	18	such	such	ADJ
easat-2718	16	19	as	as	ADP
easat-2718	16	20	stocks	stock	NOUN
easat-2718	16	21	,	,	PUNCT
easat-2718	16	22	bonds	bond	NOUN
easat-2718	16	23	,	,	PUNCT
easat-2718	16	24	currencies	currency	NOUN
easat-2718	16	25	,	,	PUNCT
easat-2718	16	26	and	and	CCONJ
easat-2718	16	27	derivatives	derivative	NOUN
easat-2718	16	28	.	.	PUNCT
easat-2718	17	1	in	in	ADP
easat-2718	17	2	contrast	contrast	NOUN
easat-2718	17	3	,	,	PUNCT
easat-2718	17	4	the	the	DET
easat-2718	17	5	banking	banking	NOUN
easat-2718	17	6	book	book	NOUN
easat-2718	17	7	primarily	primarily	ADV
easat-2718	17	8	consists	consist	VERB
easat-2718	17	9	of	of	ADP
easat-2718	17	10	assets	asset	NOUN
easat-2718	17	11	and	and	CCONJ
easat-2718	17	12	liabilities	liability	NOUN
easat-2718	17	13	held	hold	VERB
easat-2718	17	14	for	for	ADP
easat-2718	17	15	the	the	DET
easat-2718	17	16	long	long	ADJ
easat-2718	17	17	term	term	NOUN
easat-2718	17	18	,	,	PUNCT
easat-2718	17	19	including	include	VERB
easat-2718	17	20	loans	loan	NOUN
easat-2718	17	21	,	,	PUNCT
easat-2718	17	22	mortgages	mortgage	NOUN
easat-2718	17	23	,	,	PUNCT
easat-2718	17	24	and	and	CCONJ
easat-2718	17	25	deposits	deposit	NOUN
easat-2718	17	26	.	.	PUNCT
easat-2718	18	1	therefore	therefore	ADV
easat-2718	18	2	,	,	PUNCT
easat-2718	18	3	the	the	DET
easat-2718	18	4	banking	banking	NOUN
easat-2718	18	5	book	book	NOUN
easat-2718	18	6	is	be	AUX
easat-2718	18	7	more	more	ADV
easat-2718	18	8	exposed	expose	VERB
easat-2718	18	9	to	to	ADP
easat-2718	18	10	interest	interest	NOUN
easat-2718	18	11	rate	rate	NOUN
easat-2718	18	12	risk	risk	NOUN
easat-2718	18	13	,	,	PUNCT
easat-2718	18	14	as	as	SCONJ
easat-2718	18	15	it	it	PRON
easat-2718	18	16	includes	include	VERB
easat-2718	18	17	long	long	ADJ
easat-2718	18	18	-	-	PUNCT
easat-2718	18	19	term	term	NOUN
easat-2718	18	20	loans	loan	NOUN
easat-2718	18	21	and	and	CCONJ
easat-2718	18	22	deposits	deposit	NOUN
easat-2718	18	23	sensitive	sensitive	ADJ
easat-2718	18	24	to	to	ADP
easat-2718	18	25	interest	interest	NOUN
easat-2718	18	26	rate	rate	NOUN
easat-2718	18	27	changes	change	NOUN
easat-2718	18	28	(	(	PUNCT
easat-2718	18	29	bcbs	bcb	NOUN
easat-2718	18	30	,	,	PUNCT
easat-2718	18	31	2004	2004	NUM
easat-2718	18	32	)	)	PUNCT
easat-2718	18	33	.	.	PUNCT
easat-2718	19	1	since	since	SCONJ
easat-2718	19	2	2004	2004	NUM
easat-2718	19	3	,	,	PUNCT
easat-2718	19	4	the	the	DET
easat-2718	19	5	basel	basel	PROPN
easat-2718	19	6	committee	committee	PROPN
easat-2718	19	7	has	have	AUX
easat-2718	19	8	provided	provide	VERB
easat-2718	19	9	regulators	regulator	NOUN
easat-2718	19	10	with	with	ADP
easat-2718	19	11	some	some	DET
easat-2718	19	12	guidelines	guideline	NOUN
easat-2718	19	13	in	in	ADP
easat-2718	19	14	interest	interest	NOUN
easat-2718	19	15	rate	rate	NOUN
easat-2718	19	16	risk	risk	NOUN
easat-2718	19	17	management	management	NOUN
easat-2718	19	18	,	,	PUNCT
easat-2718	19	19	including	include	VERB
easat-2718	19	20	interest	interest	NOUN
easat-2718	19	21	rate	rate	NOUN
easat-2718	19	22	risk	risk	NOUN
easat-2718	19	23	on	on	ADP
easat-2718	19	24	banking	banking	NOUN
easat-2718	19	25	book	book	NOUN
easat-2718	19	26	and	and	CCONJ
easat-2718	19	27	trading	trading	NOUN
easat-2718	19	28	books	book	NOUN
easat-2718	19	29	(	(	PUNCT
easat-2718	19	30	bcbs	bcbs	PROPN
easat-2718	19	31	,	,	PUNCT
easat-2718	19	32	2004	2004	NUM
easat-2718	19	33	)	)	PUNCT
easat-2718	19	34	.	.	PUNCT
easat-2718	20	1	according	accord	VERB
easat-2718	20	2	to	to	ADP
easat-2718	20	3	the	the	DET
easat-2718	20	4	basel	basel	PROPN
easat-2718	20	5	accords	accords	PROPN
easat-2718	20	6	,	,	PUNCT
easat-2718	20	7	the	the	DET
easat-2718	20	8	first	first	ADJ
easat-2718	20	9	thirteen	thirteen	NUM
easat-2718	20	10	principles	principle	NOUN
easat-2718	20	11	are	be	AUX
easat-2718	20	12	applied	apply	VERB
easat-2718	20	13	for	for	ADP
easat-2718	20	14	general	general	ADJ
easat-2718	20	15	interest	interest	NOUN
easat-2718	20	16	rate	rate	NOUN
easat-2718	20	17	management	management	NOUN
easat-2718	20	18	regardless	regardless	ADV
easat-2718	20	19	of	of	ADP
easat-2718	20	20	whether	whether	SCONJ
easat-2718	20	21	the	the	DET
easat-2718	20	22	items	item	NOUN
easat-2718	20	23	are	be	AUX
easat-2718	20	24	in	in	ADP
easat-2718	20	25	the	the	DET
easat-2718	20	26	banking	banking	NOUN
easat-2718	20	27	book	book	NOUN
easat-2718	20	28	or	or	CCONJ
easat-2718	20	29	trading	trading	NOUN
easat-2718	20	30	book	book	NOUN
easat-2718	20	31	.	.	PUNCT
easat-2718	21	1	the	the	DET
easat-2718	21	2	next	next	ADJ
easat-2718	21	3	two	two	NUM
easat-2718	21	4	principles	principle	NOUN
easat-2718	21	5	(	(	PUNCT
easat-2718	21	6	14	14	NUM
easat-2718	21	7	and	and	CCONJ
easat-2718	21	8	15	15	NUM
easat-2718	21	9	)	)	PUNCT
easat-2718	21	10	specifically	specifically	ADV
easat-2718	21	11	regulate	regulate	VERB
easat-2718	21	12	the	the	DET
easat-2718	21	13	monitoring	monitoring	NOUN
easat-2718	21	14	and	and	CCONJ
easat-2718	21	15	governance	governance	NOUN
easat-2718	21	16	of	of	ADP
easat-2718	21	17	interest	interest	NOUN
easat-2718	21	18	rates	rate	NOUN
easat-2718	21	19	in	in	ADP
easat-2718	21	20	the	the	DET
easat-2718	21	21	banking	banking	NOUN
easat-2718	21	22	book	book	NOUN
easat-2718	21	23	.	.	PUNCT
easat-2718	22	1	recently	recently	ADV
easat-2718	22	2	,	,	PUNCT
easat-2718	22	3	bcbs	bcbs	PROPN
easat-2718	22	4	(	(	PUNCT
easat-2718	22	5	2016	2016	NUM
easat-2718	22	6	)	)	PUNCT
easat-2718	22	7	has	have	AUX
easat-2718	22	8	issued	issue	VERB
easat-2718	22	9	separate	separate	ADJ
easat-2718	22	10	regulations	regulation	NOUN
easat-2718	22	11	on	on	ADP
easat-2718	22	12	this	this	DET
easat-2718	22	13	type	type	NOUN
easat-2718	22	14	of	of	ADP
easat-2718	22	15	risk	risk	NOUN
easat-2718	22	16	.	.	PUNCT
easat-2718	23	1	this	this	DET
easat-2718	23	2	instruction	instruction	NOUN
easat-2718	23	3	includes	include	VERB
easat-2718	23	4	12	12	NUM
easat-2718	23	5	principles	principle	NOUN
easat-2718	23	6	,	,	PUNCT
easat-2718	23	7	which	which	PRON
easat-2718	23	8	are	be	AUX
easat-2718	23	9	categorized	categorize	VERB
easat-2718	23	10	into	into	ADP
easat-2718	23	11	three	three	NUM
easat-2718	23	12	groups	group	NOUN
easat-2718	23	13	:	:	PUNCT
easat-2718	23	14	management	management	NOUN
easat-2718	23	15	process	process	NOUN
easat-2718	23	16	(	(	PUNCT
easat-2718	23	17	principles	principle	NOUN
easat-2718	23	18	1	1	NUM
easat-2718	23	19	to	to	ADP
easat-2718	23	20	7	7	NUM
easat-2718	23	21	)	)	PUNCT
easat-2718	23	22	,	,	PUNCT
easat-2718	23	23	disclosure	disclosure	NOUN
easat-2718	23	24	and	and	CCONJ
easat-2718	23	25	internal	internal	ADJ
easat-2718	23	26	assessment	assessment	NOUN
easat-2718	23	27	(	(	PUNCT
easat-2718	23	28	principles	principle	NOUN
easat-2718	23	29	8	8	NUM
easat-2718	23	30	and	and	CCONJ
easat-2718	23	31	9	9	NUM
easat-2718	23	32	)	)	PUNCT
easat-2718	23	33	,	,	PUNCT
easat-2718	23	34	and	and	CCONJ
easat-2718	23	35	supervisory	supervisory	ADJ
easat-2718	23	36	assessment	assessment	NOUN
easat-2718	23	37	(	(	PUNCT
easat-2718	23	38	principles	principle	NOUN
easat-2718	23	39	10	10	NUM
easat-2718	23	40	to	to	PART
easat-2718	23	41	12	12	NUM
easat-2718	23	42	)	)	PUNCT
easat-2718	23	43	.	.	PUNCT
easat-2718	24	1	moreover	moreover	ADV
easat-2718	24	2	,	,	PUNCT
easat-2718	24	3	the	the	DET
easat-2718	24	4	central	central	ADJ
easat-2718	24	5	bank	bank	NOUN
easat-2718	24	6	and	and	CCONJ
easat-2718	24	7	banking	banking	NOUN
easat-2718	24	8	supervisory	supervisory	ADJ
easat-2718	24	9	authorities	authority	NOUN
easat-2718	24	10	also	also	ADV
easat-2718	24	11	update	update	VERB
easat-2718	24	12	and	and	CCONJ
easat-2718	24	13	issue	issue	VERB
easat-2718	24	14	separate	separate	ADJ
easat-2718	24	15	regulations	regulation	NOUN
easat-2718	24	16	relating	relate	VERB
easat-2718	24	17	to	to	ADP
easat-2718	24	18	irrbb	irrbb	PROPN
easat-2718	24	19	management	management	NOUN
easat-2718	24	20	.	.	PUNCT
easat-2718	25	1	in	in	ADP
easat-2718	25	2	2015	2015	NUM
easat-2718	25	3	,	,	PUNCT
easat-2718	25	4	the	the	DET
easat-2718	25	5	european	european	PROPN
easat-2718	25	6	banking	banking	PROPN
easat-2718	25	7	association	association	PROPN
easat-2718	25	8	(	(	PUNCT
easat-2718	25	9	eba	eba	PROPN
easat-2718	25	10	)	)	PUNCT
easat-2718	25	11	updated	update	VERB
easat-2718	25	12	the	the	DET
easat-2718	25	13	2006	2006	NUM
easat-2718	25	14	version	version	NOUN
easat-2718	25	15	to	to	PART
easat-2718	25	16	provide	provide	VERB
easat-2718	25	17	technical	technical	ADJ
easat-2718	25	18	guidance	guidance	NOUN
easat-2718	25	19	for	for	ADP
easat-2718	25	20	commercial	commercial	ADJ
easat-2718	25	21	banks	bank	NOUN
easat-2718	25	22	in	in	ADP
easat-2718	25	23	calculating	calculate	VERB
easat-2718	25	24	and	and	CCONJ
easat-2718	25	25	measuring	measure	VERB
easat-2718	25	26	irrbb	irrbb	NOUN
easat-2718	25	27	as	as	ADP
easat-2718	25	28	a	a	DET
easat-2718	25	29	part	part	NOUN
easat-2718	25	30	of	of	ADP
easat-2718	25	31	the	the	DET
easat-2718	25	32	icaapinternal	icaapinternal	ADJ
easat-2718	25	33	capital	capital	NOUN
easat-2718	25	34	adequacy	adequacy	NOUN
easat-2718	25	35	assessment	assessment	NOUN
easat-2718	25	36	process	process	NOUN
easat-2718	25	37	(	(	PUNCT
easat-2718	25	38	eba	eba	NOUN
easat-2718	25	39	,	,	PUNCT
easat-2718	25	40	2015	2015	NUM
easat-2718	25	41	)	)	PUNCT
easat-2718	25	42	.	.	PUNCT
easat-2718	26	1	the	the	DET
easat-2718	26	2	australian	australian	ADJ
easat-2718	26	3	prudential	prudential	ADJ
easat-2718	26	4	regulation	regulation	PROPN
easat-2718	26	5	authority	authority	NOUN
easat-2718	26	6	(	(	PUNCT
easat-2718	26	7	apra	apra	ADV
easat-2718	26	8	)	)	PUNCT
easat-2718	26	9	issued	issue	VERB
easat-2718	26	10	guidelines	guideline	NOUN
easat-2718	26	11	on	on	ADP
easat-2718	26	12	irrbb	irrbb	PROPN
easat-2718	26	13	in	in	ADP
easat-2718	26	14	2008	2008	NUM
easat-2718	26	15	and	and	CCONJ
easat-2718	26	16	improved	improve	VERB
easat-2718	26	17	3362	3362	NUM
easat-2718	26	18	edelweiss	edelweiss	PROPN
easat-2718	26	19	applied	apply	VERB
easat-2718	26	20	science	science	NOUN
easat-2718	26	21	and	and	CCONJ
easat-2718	26	22	technology	technology	NOUN
easat-2718	26	23	issn	issn	PROPN
easat-2718	26	24	:	:	PUNCT
easat-2718	26	25	2576	2576	NUM
easat-2718	26	26	-	-	SYM
easat-2718	26	27	8484	8484	NUM
easat-2718	26	28	vol	vol	NOUN
easat-2718	26	29	.	.	PROPN
easat-2718	26	30	8	8	NUM
easat-2718	26	31	,	,	PUNCT
easat-2718	26	32	no	no	INTJ
easat-2718	26	33	.	.	NOUN
easat-2718	26	34	6	6	NUM
easat-2718	26	35	:	:	PUNCT
easat-2718	26	36	3361	3361	NUM
easat-2718	26	37	-	-	SYM
easat-2718	26	38	3380	3380	NUM
easat-2718	26	39	,	,	PUNCT
easat-2718	26	40	2024	2024	NUM
easat-2718	26	41	doi	doi	NOUN
easat-2718	26	42	:	:	PUNCT
easat-2718	26	43	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	26	44	©	©	PROPN
easat-2718	26	45	2024	2024	NUM
easat-2718	26	46	by	by	ADP
easat-2718	26	47	the	the	DET
easat-2718	26	48	authors	author	NOUN
easat-2718	26	49	;	;	PUNCT
easat-2718	26	50	licensee	licensee	PROPN
easat-2718	26	51	learning	learning	NOUN
easat-2718	26	52	gate	gate	VERB
easat-2718	26	53	this	this	DET
easat-2718	26	54	version	version	NOUN
easat-2718	26	55	in	in	ADP
easat-2718	26	56	2013	2013	NUM
easat-2718	26	57	(	(	PUNCT
easat-2718	26	58	apra	apra	ADJ
easat-2718	26	59	,	,	PUNCT
easat-2718	26	60	2013	2013	NUM
easat-2718	26	61	)	)	PUNCT
easat-2718	26	62	.	.	PUNCT
easat-2718	27	1	furthermore	furthermore	ADV
easat-2718	27	2	,	,	PUNCT
easat-2718	27	3	the	the	DET
easat-2718	27	4	national	national	PROPN
easat-2718	27	5	bank	bank	PROPN
easat-2718	27	6	of	of	ADP
easat-2718	27	7	belgium	belgium	PROPN
easat-2718	27	8	(	(	PUNCT
easat-2718	27	9	nbb	nbb	PROPN
easat-2718	27	10	)	)	PUNCT
easat-2718	27	11	introduced	introduce	VERB
easat-2718	27	12	the	the	DET
easat-2718	27	13	latest	late	ADJ
easat-2718	27	14	regulations	regulation	NOUN
easat-2718	27	15	regarding	regard	VERB
easat-2718	27	16	irrbb	irrbb	PROPN
easat-2718	27	17	in	in	ADP
easat-2718	27	18	2015	2015	NUM
easat-2718	27	19	,	,	PUNCT
easat-2718	27	20	in	in	ADP
easat-2718	27	21	which	which	PRON
easat-2718	27	22	commercial	commercial	ADJ
easat-2718	27	23	banks	bank	NOUN
easat-2718	27	24	are	be	AUX
easat-2718	27	25	required	require	VERB
easat-2718	27	26	to	to	PART
easat-2718	27	27	preserve	preserve	VERB
easat-2718	27	28	capital	capital	NOUN
easat-2718	27	29	adequacy	adequacy	NOUN
easat-2718	27	30	for	for	ADP
easat-2718	27	31	irrbb	irrbb	PROPN
easat-2718	27	32	(	(	PUNCT
easat-2718	27	33	nbb	nbb	PROPN
easat-2718	27	34	,	,	PUNCT
easat-2718	27	35	2015	2015	NUM
easat-2718	27	36	)	)	PUNCT
easat-2718	27	37	.	.	PUNCT
easat-2718	28	1	otherwise	otherwise	ADV
easat-2718	28	2	,	,	PUNCT
easat-2718	28	3	they	they	PRON
easat-2718	28	4	have	have	VERB
easat-2718	28	5	to	to	PART
easat-2718	28	6	conduct	conduct	VERB
easat-2718	28	7	a	a	DET
easat-2718	28	8	review	review	NOUN
easat-2718	28	9	and	and	CCONJ
easat-2718	28	10	execute	execute	VERB
easat-2718	28	11	a	a	DET
easat-2718	28	12	resolution	resolution	NOUN
easat-2718	28	13	.	.	PUNCT
easat-2718	29	1	many	many	ADJ
easat-2718	29	2	regulations	regulation	NOUN
easat-2718	29	3	and	and	CCONJ
easat-2718	29	4	modern	modern	ADJ
easat-2718	29	5	techniques	technique	NOUN
easat-2718	29	6	in	in	ADP
easat-2718	29	7	irrbb	irrbb	PROPN
easat-2718	29	8	measurement	measurement	NOUN
easat-2718	29	9	,	,	PUNCT
easat-2718	29	10	assessment	assessment	NOUN
easat-2718	29	11	,	,	PUNCT
easat-2718	29	12	and	and	CCONJ
easat-2718	29	13	management	management	NOUN
easat-2718	29	14	have	have	AUX
easat-2718	29	15	been	be	AUX
easat-2718	29	16	introduced	introduce	VERB
easat-2718	29	17	,	,	PUNCT
easat-2718	29	18	demonstrating	demonstrate	VERB
easat-2718	29	19	an	an	DET
easat-2718	29	20	increasing	increase	VERB
easat-2718	29	21	concern	concern	NOUN
easat-2718	29	22	for	for	ADP
easat-2718	29	23	this	this	DET
easat-2718	29	24	issue	issue	NOUN
easat-2718	29	25	.	.	PUNCT
easat-2718	30	1	in	in	ADP
easat-2718	30	2	vietnam	vietnam	PROPN
easat-2718	30	3	,	,	PUNCT
easat-2718	30	4	commercial	commercial	ADJ
easat-2718	30	5	banks	bank	NOUN
easat-2718	30	6	'	'	PART
easat-2718	30	7	primary	primary	ADJ
easat-2718	30	8	task	task	NOUN
easat-2718	30	9	is	be	AUX
easat-2718	30	10	to	to	PART
easat-2718	30	11	improve	improve	VERB
easat-2718	30	12	general	general	ADJ
easat-2718	30	13	management	management	NOUN
easat-2718	30	14	skills	skill	NOUN
easat-2718	30	15	and	and	CCONJ
easat-2718	30	16	risk	risk	NOUN
easat-2718	30	17	management	management	NOUN
easat-2718	30	18	following	follow	VERB
easat-2718	30	19	international	international	ADJ
easat-2718	30	20	standards	standard	NOUN
easat-2718	30	21	in	in	ADP
easat-2718	30	22	particular	particular	ADJ
easat-2718	30	23	.	.	PUNCT
easat-2718	31	1	one	one	NUM
easat-2718	31	2	challenge	challenge	NOUN
easat-2718	31	3	vietnamese	vietnamese	ADJ
easat-2718	31	4	commercial	commercial	ADJ
easat-2718	31	5	banks	bank	NOUN
easat-2718	31	6	face	face	VERB
easat-2718	31	7	is	be	AUX
easat-2718	31	8	the	the	DET
easat-2718	31	9	need	need	NOUN
easat-2718	31	10	for	for	ADP
easat-2718	31	11	an	an	DET
easat-2718	31	12	irrbb	irrbb	NOUN
easat-2718	31	13	governance	governance	NOUN
easat-2718	31	14	mechanism	mechanism	NOUN
easat-2718	31	15	(	(	PUNCT
easat-2718	31	16	vu	vu	X
easat-2718	31	17	et	et	PROPN
easat-2718	31	18	al	al	PROPN
easat-2718	31	19	.	.	PROPN
easat-2718	31	20	,	,	PUNCT
easat-2718	31	21	2023	2023	NUM
easat-2718	31	22	)	)	PUNCT
easat-2718	31	23	.	.	PUNCT
easat-2718	32	1	since	since	SCONJ
easat-2718	32	2	2018	2018	NUM
easat-2718	32	3	,	,	PUNCT
easat-2718	32	4	the	the	DET
easat-2718	32	5	state	state	PROPN
easat-2718	32	6	bank	bank	PROPN
easat-2718	32	7	of	of	ADP
easat-2718	32	8	vietnam	vietnam	PROPN
easat-2718	32	9	(	(	PUNCT
easat-2718	32	10	sbv	sbv	PROPN
easat-2718	32	11	)	)	PUNCT
easat-2718	32	12	,	,	PUNCT
easat-2718	32	13	also	also	ADV
easat-2718	32	14	known	know	VERB
easat-2718	32	15	as	as	ADP
easat-2718	32	16	the	the	DET
easat-2718	32	17	central	central	ADJ
easat-2718	32	18	bank	bank	PROPN
easat-2718	32	19	of	of	ADP
easat-2718	32	20	vietnam	vietnam	PROPN
easat-2718	32	21	,	,	PUNCT
easat-2718	32	22	has	have	AUX
easat-2718	32	23	introduced	introduce	VERB
easat-2718	32	24	circular	circular	ADJ
easat-2718	32	25	no	no	NOUN
easat-2718	32	26	.	.	PUNCT
easat-2718	33	1	13/2018	13/2018	NUM
easat-2718	33	2	/	/	SYM
easat-2718	33	3	tt	tt	PROPN
easat-2718	33	4	-	-	PUNCT
easat-2718	33	5	nhnn	nhnn	PROPN
easat-2718	33	6	,	,	PUNCT
easat-2718	33	7	outlining	outline	VERB
easat-2718	33	8	guidelines	guideline	NOUN
easat-2718	33	9	for	for	ADP
easat-2718	33	10	the	the	DET
easat-2718	33	11	internal	internal	ADJ
easat-2718	33	12	control	control	NOUN
easat-2718	33	13	system	system	NOUN
easat-2718	33	14	within	within	ADP
easat-2718	33	15	credit	credit	NOUN
easat-2718	33	16	institutions	institution	NOUN
easat-2718	33	17	.	.	PUNCT
easat-2718	34	1	notably	notably	ADV
easat-2718	34	2	,	,	PUNCT
easat-2718	34	3	this	this	DET
easat-2718	34	4	circular	circular	ADJ
easat-2718	34	5	addresses	address	NOUN
easat-2718	34	6	the	the	DET
easat-2718	34	7	management	management	NOUN
easat-2718	34	8	of	of	ADP
easat-2718	34	9	interest	interest	NOUN
easat-2718	34	10	rate	rate	NOUN
easat-2718	34	11	risk	risk	NOUN
easat-2718	34	12	in	in	ADP
easat-2718	34	13	the	the	DET
easat-2718	34	14	banking	banking	NOUN
easat-2718	34	15	book	book	NOUN
easat-2718	34	16	(	(	PUNCT
easat-2718	34	17	irrbb	irrbb	PROPN
easat-2718	34	18	)	)	PUNCT
easat-2718	34	19	and	and	CCONJ
easat-2718	34	20	sets	set	VERB
easat-2718	34	21	forth	forth	ADP
easat-2718	34	22	capital	capital	NOUN
easat-2718	34	23	requirements	requirement	NOUN
easat-2718	34	24	associated	associate	VERB
easat-2718	34	25	with	with	ADP
easat-2718	34	26	irrbb	irrbb	PROPN
easat-2718	34	27	.	.	PUNCT
easat-2718	35	1	circular	circular	ADJ
easat-2718	35	2	no	no	INTJ
easat-2718	35	3	.	.	PUNCT
easat-2718	36	1	13/2018	13/2018	NUM
easat-2718	36	2	/	/	SYM
easat-2718	36	3	tt	tt	PROPN
easat-2718	36	4	-	-	PUNCT
easat-2718	36	5	nhnn	nhnn	PROPN
easat-2718	36	6	marks	mark	VERB
easat-2718	36	7	the	the	DET
easat-2718	36	8	inaugural	inaugural	ADJ
easat-2718	36	9	acknowledgment	acknowledgment	NOUN
easat-2718	36	10	by	by	ADP
easat-2718	36	11	the	the	DET
easat-2718	36	12	sbv	sbv	NOUN
easat-2718	36	13	,	,	PUNCT
easat-2718	36	14	on	on	ADP
easat-2718	36	15	a	a	DET
easat-2718	36	16	legal	legal	ADJ
easat-2718	36	17	basis	basis	NOUN
easat-2718	36	18	,	,	PUNCT
easat-2718	36	19	of	of	ADP
easat-2718	36	20	irrbb	irrbb	NOUN
easat-2718	36	21	as	as	ADP
easat-2718	36	22	a	a	DET
easat-2718	36	23	material	material	NOUN
easat-2718	36	24	risk	risk	NOUN
easat-2718	36	25	in	in	ADP
easat-2718	36	26	banking	banking	NOUN
easat-2718	36	27	operations	operation	NOUN
easat-2718	36	28	.	.	PUNCT
easat-2718	37	1	precisely	precisely	ADV
easat-2718	37	2	,	,	PUNCT
easat-2718	37	3	irrbb	irrbb	PROPN
easat-2718	37	4	management	management	NOUN
easat-2718	37	5	consists	consist	VERB
easat-2718	37	6	of	of	ADP
easat-2718	37	7	three	three	NUM
easat-2718	37	8	segments	segment	NOUN
easat-2718	37	9	:	:	PUNCT
easat-2718	37	10	(	(	PUNCT
easat-2718	37	11	i	i	NOUN
easat-2718	37	12	)	)	PUNCT
easat-2718	37	13	management	management	NOUN
easat-2718	37	14	strategy	strategy	NOUN
easat-2718	37	15	and	and	CCONJ
easat-2718	37	16	limits	limit	NOUN
easat-2718	37	17	on	on	ADP
easat-2718	37	18	irrbb	irrbb	PROPN
easat-2718	37	19	exposures	exposure	NOUN
easat-2718	37	20	(	(	PUNCT
easat-2718	37	21	article	article	NOUN
easat-2718	37	22	56	56	NUM
easat-2718	37	23	)	)	PUNCT
easat-2718	37	24	,	,	PUNCT
easat-2718	37	25	(	(	PUNCT
easat-2718	37	26	ii	ii	NOUN
easat-2718	37	27	)	)	PUNCT
easat-2718	37	28	identification	identification	NOUN
easat-2718	37	29	,	,	PUNCT
easat-2718	37	30	measurement	measurement	NOUN
easat-2718	37	31	,	,	PUNCT
easat-2718	37	32	and	and	CCONJ
easat-2718	37	33	control	control	NOUN
easat-2718	37	34	of	of	ADP
easat-2718	37	35	irrbb	irrbb	PROPN
easat-2718	37	36	(	(	PUNCT
easat-2718	37	37	article	article	NOUN
easat-2718	37	38	57	57	NUM
easat-2718	37	39	)	)	PUNCT
easat-2718	37	40	;	;	PUNCT
easat-2718	37	41	and	and	CCONJ
easat-2718	37	42	irrbb	irrbb	PROPN
easat-2718	37	43	internal	internal	ADJ
easat-2718	37	44	report	report	NOUN
easat-2718	37	45	(	(	PUNCT
easat-2718	37	46	article	article	NOUN
easat-2718	37	47	58	58	NUM
easat-2718	37	48	)	)	PUNCT
easat-2718	37	49	.	.	PUNCT
easat-2718	38	1	moreover	moreover	ADV
easat-2718	38	2	,	,	PUNCT
easat-2718	38	3	sbv	sbv	PROPN
easat-2718	38	4	requires	require	VERB
easat-2718	38	5	all	all	DET
easat-2718	38	6	banks	bank	NOUN
easat-2718	38	7	to	to	PART
easat-2718	38	8	determine	determine	VERB
easat-2718	38	9	the	the	DET
easat-2718	38	10	capital	capital	NOUN
easat-2718	38	11	buffer	buffer	NOUN
easat-2718	38	12	for	for	ADP
easat-2718	38	13	irrbb	irrbb	NOUN
easat-2718	38	14	as	as	ADP
easat-2718	38	15	one	one	NUM
easat-2718	38	16	part	part	NOUN
easat-2718	38	17	of	of	ADP
easat-2718	38	18	internal	internal	ADJ
easat-2718	38	19	capital	capital	NOUN
easat-2718	38	20	calculation	calculation	NOUN
easat-2718	38	21	.	.	PUNCT
easat-2718	39	1	although	although	SCONJ
easat-2718	39	2	basel	basel	PROPN
easat-2718	39	3	and	and	CCONJ
easat-2718	39	4	the	the	DET
easat-2718	39	5	state	state	PROPN
easat-2718	39	6	bank	bank	PROPN
easat-2718	39	7	of	of	ADP
easat-2718	39	8	vietnam	vietnam	PROPN
easat-2718	39	9	(	(	PUNCT
easat-2718	39	10	sbv	sbv	PROPN
easat-2718	39	11	)	)	PUNCT
easat-2718	39	12	have	have	AUX
easat-2718	39	13	issued	issue	VERB
easat-2718	39	14	guiding	guide	VERB
easat-2718	39	15	principles	principle	NOUN
easat-2718	39	16	,	,	PUNCT
easat-2718	39	17	commercial	commercial	ADJ
easat-2718	39	18	banks	bank	NOUN
easat-2718	39	19	must	must	AUX
easat-2718	39	20	still	still	ADV
easat-2718	39	21	adopt	adopt	VERB
easat-2718	39	22	methods	method	NOUN
easat-2718	39	23	appropriate	appropriate	ADJ
easat-2718	39	24	to	to	ADP
easat-2718	39	25	their	their	PRON
easat-2718	39	26	individual	individual	ADJ
easat-2718	39	27	operations	operation	NOUN
easat-2718	39	28	(	(	PUNCT
easat-2718	39	29	bloechlinger	bloechlinger	ADJ
easat-2718	39	30	,	,	PUNCT
easat-2718	39	31	2021	2021	NUM
easat-2718	39	32	)	)	PUNCT
easat-2718	39	33	.	.	PUNCT
easat-2718	40	1	while	while	SCONJ
easat-2718	40	2	irrbb	irrbb	NOUN
easat-2718	40	3	management	management	NOUN
easat-2718	40	4	is	be	AUX
easat-2718	40	5	a	a	DET
easat-2718	40	6	critical	critical	ADJ
easat-2718	40	7	activity	activity	NOUN
easat-2718	40	8	for	for	ADP
easat-2718	40	9	commercial	commercial	ADJ
easat-2718	40	10	banks	bank	NOUN
easat-2718	40	11	in	in	ADP
easat-2718	40	12	vietnam	vietnam	PROPN
easat-2718	40	13	,	,	PUNCT
easat-2718	40	14	only	only	ADV
easat-2718	40	15	a	a	DET
easat-2718	40	16	few	few	ADJ
easat-2718	40	17	have	have	AUX
easat-2718	40	18	successfully	successfully	ADV
easat-2718	40	19	implemented	implement	VERB
easat-2718	40	20	this	this	DET
easat-2718	40	21	process	process	NOUN
easat-2718	40	22	.	.	PUNCT
easat-2718	41	1	this	this	DET
easat-2718	41	2	paper	paper	NOUN
easat-2718	41	3	aims	aim	VERB
easat-2718	41	4	to	to	PART
easat-2718	41	5	evaluate	evaluate	VERB
easat-2718	41	6	the	the	DET
easat-2718	41	7	current	current	ADJ
easat-2718	41	8	situation	situation	NOUN
easat-2718	41	9	of	of	ADP
easat-2718	41	10	irrbb	irrbb	PROPN
easat-2718	41	11	management	management	NOUN
easat-2718	41	12	commercial	commercial	ADJ
easat-2718	41	13	banks	bank	NOUN
easat-2718	41	14	in	in	ADP
easat-2718	41	15	vietnam	vietnam	PROPN
easat-2718	41	16	and	and	CCONJ
easat-2718	41	17	develop	develop	VERB
easat-2718	41	18	the	the	DET
easat-2718	41	19	detail	detail	NOUN
easat-2718	41	20	model	model	NOUN
easat-2718	41	21	to	to	PART
easat-2718	41	22	implement	implement	VERB
easat-2718	41	23	irrbb	irrbb	NOUN
easat-2718	41	24	management	management	NOUN
easat-2718	41	25	and	and	CCONJ
easat-2718	41	26	computation	computation	NOUN
easat-2718	41	27	economic	economic	ADJ
easat-2718	41	28	capital	capital	NOUN
easat-2718	41	29	for	for	ADP
easat-2718	41	30	irrbb	irrbb	NOUN
easat-2718	41	31	.	.	PUNCT
easat-2718	42	1	this	this	DET
easat-2718	42	2	simulation	simulation	NOUN
easat-2718	42	3	can	can	AUX
easat-2718	42	4	assist	assist	VERB
easat-2718	42	5	banks	bank	NOUN
easat-2718	42	6	that	that	PRON
easat-2718	42	7	have	have	AUX
easat-2718	42	8	not	not	PART
easat-2718	42	9	yet	yet	ADV
easat-2718	42	10	effectively	effectively	ADV
easat-2718	42	11	implemented	implement	VERB
easat-2718	42	12	irrbb	irrbb	NOUN
easat-2718	42	13	management	management	NOUN
easat-2718	42	14	by	by	ADP
easat-2718	42	15	helping	help	VERB
easat-2718	42	16	them	they	PRON
easat-2718	42	17	save	save	VERB
easat-2718	42	18	resources	resource	NOUN
easat-2718	42	19	and	and	CCONJ
easat-2718	42	20	reduce	reduce	VERB
easat-2718	42	21	costs	cost	NOUN
easat-2718	42	22	in	in	ADP
easat-2718	42	23	their	their	PRON
easat-2718	42	24	irrbb	irrbb	NOUN
easat-2718	42	25	management	management	NOUN
easat-2718	42	26	activities	activity	NOUN
easat-2718	42	27	through	through	ADP
easat-2718	42	28	the	the	DET
easat-2718	42	29	application	application	NOUN
easat-2718	42	30	of	of	ADP
easat-2718	42	31	the	the	DET
easat-2718	42	32	model	model	NOUN
easat-2718	42	33	.	.	PUNCT
easat-2718	43	1	the	the	DET
easat-2718	43	2	paper	paper	NOUN
easat-2718	43	3	is	be	AUX
easat-2718	43	4	constructed	construct	VERB
easat-2718	43	5	as	as	SCONJ
easat-2718	43	6	follows	follow	VERB
easat-2718	43	7	:	:	PUNCT
easat-2718	43	8	section	section	NOUN
easat-2718	43	9	1	1	NUM
easat-2718	43	10	is	be	AUX
easat-2718	43	11	about	about	ADP
easat-2718	43	12	the	the	DET
easat-2718	43	13	introduction	introduction	NOUN
easat-2718	43	14	to	to	ADP
easat-2718	43	15	the	the	DET
easat-2718	43	16	regulation	regulation	NOUN
easat-2718	43	17	of	of	ADP
easat-2718	43	18	irrbb	irrbb	PROPN
easat-2718	43	19	management	management	NOUN
easat-2718	43	20	in	in	ADP
easat-2718	43	21	basel	basel	PROPN
easat-2718	43	22	and	and	CCONJ
easat-2718	43	23	vietnam	vietnam	PROPN
easat-2718	43	24	,	,	PUNCT
easat-2718	43	25	and	and	CCONJ
easat-2718	43	26	it	it	PRON
easat-2718	43	27	shows	show	VERB
easat-2718	43	28	the	the	DET
easat-2718	43	29	irrbb	irrbb	PROPN
easat-2718	43	30	management	management	NOUN
easat-2718	43	31	framework	framework	NOUN
easat-2718	43	32	.	.	PUNCT
easat-2718	44	1	section	section	NOUN
easat-2718	44	2	2	2	NUM
easat-2718	44	3	is	be	AUX
easat-2718	44	4	a	a	DET
easat-2718	44	5	literature	literature	NOUN
easat-2718	44	6	review	review	NOUN
easat-2718	44	7	of	of	ADP
easat-2718	44	8	irrbb	irrbb	PROPN
easat-2718	44	9	and	and	CCONJ
easat-2718	44	10	irrbb	irrbb	PROPN
easat-2718	44	11	management	management	NOUN
easat-2718	44	12	in	in	ADP
easat-2718	44	13	banks	bank	NOUN
easat-2718	44	14	.	.	PUNCT
easat-2718	45	1	section	section	NOUN
easat-2718	45	2	3	3	NUM
easat-2718	45	3	will	will	AUX
easat-2718	45	4	describe	describe	VERB
easat-2718	45	5	research	research	NOUN
easat-2718	45	6	method	method	NOUN
easat-2718	45	7	.	.	PUNCT
easat-2718	46	1	a	a	DET
easat-2718	46	2	picture	picture	NOUN
easat-2718	46	3	of	of	ADP
easat-2718	46	4	current	current	ADJ
easat-2718	46	5	irrbb	irrbb	NOUN
easat-2718	46	6	management	management	NOUN
easat-2718	46	7	at	at	ADP
easat-2718	46	8	commercial	commercial	ADJ
easat-2718	46	9	banks	bank	NOUN
easat-2718	46	10	in	in	ADP
easat-2718	46	11	vietnam	vietnam	PROPN
easat-2718	46	12	and	and	CCONJ
easat-2718	46	13	simulation	simulation	NOUN
easat-2718	46	14	about	about	ADP
easat-2718	46	15	irrbb	irrbb	PROPN
easat-2718	46	16	in	in	ADP
easat-2718	46	17	a	a	DET
easat-2718	46	18	vietnamese	vietnamese	ADJ
easat-2718	46	19	commercial	commercial	ADJ
easat-2718	46	20	bank	bank	NOUN
easat-2718	46	21	are	be	AUX
easat-2718	46	22	reported	report	VERB
easat-2718	46	23	in	in	ADP
easat-2718	46	24	section	section	NOUN
easat-2718	46	25	4	4	NUM
easat-2718	46	26	,	,	PUNCT
easat-2718	46	27	and	and	CCONJ
easat-2718	46	28	the	the	DET
easat-2718	46	29	suggestion	suggestion	NOUN
easat-2718	46	30	to	to	PART
easat-2718	46	31	improve	improve	VERB
easat-2718	46	32	irrbb	irrbb	NOUN
easat-2718	46	33	in	in	ADP
easat-2718	46	34	vietnamese	vietnamese	ADJ
easat-2718	46	35	commercial	commercial	ADJ
easat-2718	46	36	banks	bank	NOUN
easat-2718	46	37	is	be	AUX
easat-2718	46	38	given	give	VERB
easat-2718	46	39	in	in	ADP
easat-2718	46	40	section	section	NOUN
easat-2718	46	41	5	5	NUM
easat-2718	46	42	.	.	NOUN
easat-2718	46	43	2	2	NUM
easat-2718	46	44	.	.	X
easat-2718	46	45	literature	literature	NOUN
easat-2718	46	46	review	review	VERB
easat-2718	46	47	interest	interest	NOUN
easat-2718	46	48	rate	rate	NOUN
easat-2718	46	49	risk	risk	NOUN
easat-2718	46	50	in	in	ADP
easat-2718	46	51	banking	banking	NOUN
easat-2718	46	52	book	book	NOUN
easat-2718	46	53	(	(	PUNCT
easat-2718	46	54	irrbb	irrbb	PROPN
easat-2718	46	55	)	)	PUNCT
easat-2718	46	56	refers	refer	VERB
easat-2718	46	57	to	to	ADP
easat-2718	46	58	the	the	DET
easat-2718	46	59	current	current	ADJ
easat-2718	46	60	or	or	CCONJ
easat-2718	46	61	prospective	prospective	ADJ
easat-2718	46	62	risk	risk	NOUN
easat-2718	46	63	to	to	ADP
easat-2718	46	64	a	a	DET
easat-2718	46	65	bank	bank	NOUN
easat-2718	46	66	’s	’s	PART
easat-2718	46	67	capital	capital	NOUN
easat-2718	46	68	and	and	CCONJ
easat-2718	46	69	earnings	earning	NOUN
easat-2718	46	70	arising	arise	VERB
easat-2718	46	71	from	from	ADP
easat-2718	46	72	adverse	adverse	ADJ
easat-2718	46	73	movements	movement	NOUN
easat-2718	46	74	in	in	ADP
easat-2718	46	75	interest	interest	NOUN
easat-2718	46	76	rates	rate	NOUN
easat-2718	46	77	that	that	PRON
easat-2718	46	78	affect	affect	VERB
easat-2718	46	79	banking	banking	NOUN
easat-2718	46	80	book	book	NOUN
easat-2718	46	81	positions	position	NOUN
easat-2718	46	82	(	(	PUNCT
easat-2718	46	83	ward	ward	INTJ
easat-2718	46	84	,	,	PUNCT
easat-2718	46	85	2004	2004	NUM
easat-2718	46	86	;	;	PUNCT
easat-2718	46	87	lubinska	lubinska	NOUN
easat-2718	46	88	,	,	PUNCT
easat-2718	46	89	2021	2021	NUM
easat-2718	46	90	)	)	PUNCT
easat-2718	46	91	.	.	PUNCT
easat-2718	47	1	lileikiene	lileikiene	NOUN
easat-2718	47	2	and	and	CCONJ
easat-2718	47	3	likus	likus	PROPN
easat-2718	47	4	(	(	PUNCT
easat-2718	47	5	2011	2011	NUM
easat-2718	47	6	)	)	PUNCT
easat-2718	47	7	characterized	characterize	VERB
easat-2718	47	8	interest	interest	NOUN
easat-2718	47	9	rate	rate	NOUN
easat-2718	47	10	risk	risk	NOUN
easat-2718	47	11	as	as	ADP
easat-2718	47	12	the	the	DET
easat-2718	47	13	potential	potential	NOUN
easat-2718	47	14	for	for	ADP
easat-2718	47	15	losses	loss	NOUN
easat-2718	47	16	resulting	result	VERB
easat-2718	47	17	from	from	ADP
easat-2718	47	18	fluctuations	fluctuation	NOUN
easat-2718	47	19	in	in	ADP
easat-2718	47	20	interest	interest	NOUN
easat-2718	47	21	rates	rate	NOUN
easat-2718	47	22	stemming	stem	VERB
easat-2718	47	23	from	from	ADP
easat-2718	47	24	imbalances	imbalance	NOUN
easat-2718	47	25	between	between	ADP
easat-2718	47	26	assets	asset	NOUN
easat-2718	47	27	and	and	CCONJ
easat-2718	47	28	liabilities	liability	NOUN
easat-2718	47	29	.	.	PUNCT
easat-2718	48	1	when	when	SCONJ
easat-2718	48	2	interest	interest	NOUN
easat-2718	48	3	rates	rate	NOUN
easat-2718	48	4	change	change	VERB
easat-2718	48	5	,	,	PUNCT
easat-2718	48	6	the	the	DET
easat-2718	48	7	present	present	ADJ
easat-2718	48	8	value	value	NOUN
easat-2718	48	9	and	and	CCONJ
easat-2718	48	10	the	the	DET
easat-2718	48	11	timing	timing	NOUN
easat-2718	48	12	of	of	ADP
easat-2718	48	13	future	future	ADJ
easat-2718	48	14	cash	cash	NOUN
easat-2718	48	15	flows	flow	NOUN
easat-2718	48	16	change	change	VERB
easat-2718	48	17	.	.	PUNCT
easat-2718	49	1	it	it	PRON
easat-2718	49	2	,	,	PUNCT
easat-2718	49	3	in	in	ADP
easat-2718	49	4	turn	turn	NOUN
easat-2718	49	5	,	,	PUNCT
easat-2718	49	6	changes	change	VERB
easat-2718	49	7	the	the	DET
easat-2718	49	8	underlying	underlie	VERB
easat-2718	49	9	value	value	NOUN
easat-2718	49	10	of	of	ADP
easat-2718	49	11	a	a	DET
easat-2718	49	12	bank	bank	NOUN
easat-2718	49	13	's	's	PART
easat-2718	49	14	assets	asset	NOUN
easat-2718	49	15	,	,	PUNCT
easat-2718	49	16	liabilities	liability	NOUN
easat-2718	49	17	,	,	PUNCT
easat-2718	49	18	and	and	CCONJ
easat-2718	49	19	off	off	ADP
easat-2718	49	20	-	-	PUNCT
easat-2718	49	21	balance	balance	NOUN
easat-2718	49	22	sheet	sheet	NOUN
easat-2718	49	23	items	item	NOUN
easat-2718	49	24	and	and	CCONJ
easat-2718	49	25	,	,	PUNCT
easat-2718	49	26	hence	hence	ADV
easat-2718	49	27	,	,	PUNCT
easat-2718	49	28	its	its	PRON
easat-2718	49	29	economic	economic	ADJ
easat-2718	49	30	value	value	NOUN
easat-2718	49	31	of	of	ADP
easat-2718	49	32	equity	equity	NOUN
easat-2718	49	33	(	(	PUNCT
easat-2718	49	34	eve	eve	PROPN
easat-2718	49	35	)	)	PUNCT
easat-2718	49	36	(	(	PUNCT
easat-2718	49	37	ward	ward	INTJ
easat-2718	49	38	,	,	PUNCT
easat-2718	49	39	2004	2004	NUM
easat-2718	49	40	;	;	PUNCT
easat-2718	49	41	chaudron	chaudron	NOUN
easat-2718	49	42	,	,	PUNCT
easat-2718	49	43	2016	2016	NUM
easat-2718	49	44	;	;	PUNCT
easat-2718	49	45	blochlinger	blochlinger	NOUN
easat-2718	49	46	,	,	PUNCT
easat-2718	49	47	2021	2021	NUM
easat-2718	49	48	)	)	PUNCT
easat-2718	49	49	.	.	PUNCT
easat-2718	50	1	changes	change	NOUN
easat-2718	50	2	in	in	ADP
easat-2718	50	3	interest	interest	NOUN
easat-2718	50	4	rates	rate	NOUN
easat-2718	50	5	also	also	ADV
easat-2718	50	6	affect	affect	VERB
easat-2718	50	7	a	a	DET
easat-2718	50	8	bank	bank	NOUN
easat-2718	50	9	's	's	PART
easat-2718	50	10	earnings	earning	NOUN
easat-2718	50	11	by	by	ADP
easat-2718	50	12	altering	alter	VERB
easat-2718	50	13	interest	interest	NOUN
easat-2718	50	14	rate	rate	NOUN
easat-2718	50	15	-	-	PUNCT
easat-2718	50	16	sensitive	sensitive	ADJ
easat-2718	50	17	income	income	NOUN
easat-2718	50	18	and	and	CCONJ
easat-2718	50	19	expenses	expense	NOUN
easat-2718	50	20	,	,	PUNCT
easat-2718	50	21	thus	thus	ADV
easat-2718	50	22	affecting	affect	VERB
easat-2718	50	23	its	its	PRON
easat-2718	50	24	net	net	ADJ
easat-2718	50	25	interest	interest	NOUN
easat-2718	50	26	income	income	NOUN
easat-2718	50	27	(	(	PUNCT
easat-2718	50	28	nii	nii	PROPN
easat-2718	50	29	)	)	PUNCT
easat-2718	50	30	(	(	PUNCT
easat-2718	50	31	ward	ward	INTJ
easat-2718	50	32	,	,	PUNCT
easat-2718	50	33	2004	2004	NUM
easat-2718	50	34	;	;	PUNCT
easat-2718	50	35	chaudron	chaudron	NOUN
easat-2718	50	36	,	,	PUNCT
easat-2718	50	37	2016	2016	NUM
easat-2718	50	38	;	;	PUNCT
easat-2718	50	39	blochlinger	blochlinger	NOUN
easat-2718	50	40	,	,	PUNCT
easat-2718	50	41	2021	2021	NUM
easat-2718	50	42	)	)	PUNCT
easat-2718	50	43	.	.	PUNCT
easat-2718	51	1	irrbb	irrbb	PROPN
easat-2718	51	2	is	be	AUX
easat-2718	51	3	a	a	DET
easat-2718	51	4	combination	combination	NOUN
easat-2718	51	5	of	of	ADP
easat-2718	51	6	three	three	NUM
easat-2718	51	7	types	type	NOUN
easat-2718	51	8	of	of	ADP
easat-2718	51	9	risks	risk	NOUN
easat-2718	51	10	,	,	PUNCT
easat-2718	51	11	namely	namely	ADV
easat-2718	51	12	gap	gap	NOUN
easat-2718	51	13	risk	risk	NOUN
easat-2718	51	14	,	,	PUNCT
easat-2718	51	15	basis	basis	NOUN
easat-2718	51	16	risk	risk	NOUN
easat-2718	51	17	,	,	PUNCT
easat-2718	51	18	and	and	CCONJ
easat-2718	51	19	option	option	NOUN
easat-2718	51	20	risk	risk	NOUN
easat-2718	51	21	(	(	PUNCT
easat-2718	51	22	bcbs	bcb	NOUN
easat-2718	51	23	,	,	PUNCT
easat-2718	51	24	2016	2016	NUM
easat-2718	51	25	)	)	PUNCT
easat-2718	51	26	.	.	PUNCT
easat-2718	52	1	all	all	DET
easat-2718	52	2	three	three	NUM
easat-2718	52	3	could	could	AUX
easat-2718	52	4	potentially	potentially	ADV
easat-2718	52	5	threaten	threaten	VERB
easat-2718	52	6	a	a	DET
easat-2718	52	7	bank	bank	NOUN
easat-2718	52	8	's	's	PART
easat-2718	52	9	value	value	NOUN
easat-2718	52	10	/	/	SYM
easat-2718	52	11	price	price	NOUN
easat-2718	52	12	or	or	CCONJ
easat-2718	52	13	earnings	earning	NOUN
easat-2718	52	14	/	/	SYM
easat-2718	52	15	costs	cost	NOUN
easat-2718	52	16	of	of	ADP
easat-2718	52	17	rate	rate	NOUN
easat-2718	52	18	-	-	PUNCT
easat-2718	52	19	sensitive	sensitive	ADJ
easat-2718	52	20	liabilities	liability	NOUN
easat-2718	52	21	and	and	CCONJ
easat-2718	52	22	assets	asset	NOUN
easat-2718	52	23	and	and	CCONJ
easat-2718	52	24	other	other	ADJ
easat-2718	52	25	off	off	ADP
easat-2718	52	26	-	-	PUNCT
easat-2718	52	27	balance	balance	NOUN
easat-2718	52	28	sheet	sheet	NOUN
easat-2718	52	29	items	item	NOUN
easat-2718	52	30	(	(	PUNCT
easat-2718	52	31	ngalawa	ngalawa	PROPN
easat-2718	52	32	&	&	CCONJ
easat-2718	52	33	ngare	ngare	PROPN
easat-2718	52	34	,	,	PUNCT
easat-2718	52	35	2014	2014	NUM
easat-2718	52	36	)	)	PUNCT
easat-2718	52	37	.	.	PUNCT
easat-2718	53	1	no	no	DET
easat-2718	53	2	unified	unified	ADJ
easat-2718	53	3	paradigm	paradigm	NOUN
easat-2718	53	4	has	have	AUX
easat-2718	53	5	yet	yet	ADV
easat-2718	53	6	emerged	emerge	VERB
easat-2718	53	7	on	on	ADP
easat-2718	53	8	the	the	DET
easat-2718	53	9	best	good	ADJ
easat-2718	53	10	method	method	NOUN
easat-2718	53	11	of	of	ADP
easat-2718	53	12	measuring	measure	VERB
easat-2718	53	13	interest	interest	NOUN
easat-2718	53	14	rate	rate	NOUN
easat-2718	53	15	risk	risk	NOUN
easat-2718	53	16	in	in	ADP
easat-2718	53	17	the	the	DET
easat-2718	53	18	banking	banking	NOUN
easat-2718	53	19	book	book	NOUN
easat-2718	53	20	(	(	PUNCT
easat-2718	53	21	kuritzkes	kuritzke	NOUN
easat-2718	53	22	&	&	CCONJ
easat-2718	53	23	schuermann	schuermann	PROPN
easat-2718	53	24	,	,	PUNCT
easat-2718	53	25	2006	2006	NUM
easat-2718	53	26	;	;	PUNCT
easat-2718	53	27	alessandri	alessandri	ADJ
easat-2718	53	28	&	&	CCONJ
easat-2718	53	29	drehmann	drehmann	PROPN
easat-2718	53	30	,	,	PUNCT
easat-2718	53	31	2010	2010	NUM
easat-2718	53	32	)	)	PUNCT
easat-2718	53	33	.	.	PUNCT
easat-2718	54	1	the	the	DET
easat-2718	54	2	basel	basel	PROPN
easat-2718	54	3	committee	committee	PROPN
easat-2718	54	4	points	point	VERB
easat-2718	54	5	to	to	ADP
easat-2718	54	6	this	this	PRON
easat-2718	54	7	as	as	ADP
easat-2718	54	8	an	an	DET
easat-2718	54	9	essential	essential	ADJ
easat-2718	54	10	reason	reason	NOUN
easat-2718	54	11	why	why	SCONJ
easat-2718	54	12	interest	interest	NOUN
easat-2718	54	13	rate	rate	NOUN
easat-2718	54	14	risk	risk	NOUN
easat-2718	54	15	in	in	ADP
easat-2718	54	16	the	the	DET
easat-2718	54	17	banking	banking	NOUN
easat-2718	54	18	book	book	NOUN
easat-2718	54	19	is	be	AUX
easat-2718	54	20	not	not	PART
easat-2718	54	21	standardized	standardize	VERB
easat-2718	54	22	in	in	ADP
easat-2718	54	23	the	the	DET
easat-2718	54	24	basel	basel	PROPN
easat-2718	54	25	ii	ii	PROPN
easat-2718	54	26	capital	capital	NOUN
easat-2718	54	27	framework	framework	NOUN
easat-2718	54	28	(	(	PUNCT
easat-2718	54	29	bcbs	bcbs	PROPN
easat-2718	54	30	,	,	PUNCT
easat-2718	54	31	2004	2004	NUM
easat-2718	54	32	)	)	PUNCT
easat-2718	54	33	.	.	PUNCT
easat-2718	55	1	interest	interest	NOUN
easat-2718	55	2	rate	rate	NOUN
easat-2718	55	3	risk	risk	NOUN
easat-2718	55	4	in	in	ADP
easat-2718	55	5	the	the	DET
easat-2718	55	6	banking	banking	NOUN
easat-2718	55	7	book	book	NOUN
easat-2718	55	8	can	can	AUX
easat-2718	55	9	either	either	CCONJ
easat-2718	55	10	be	be	AUX
easat-2718	55	11	measured	measure	VERB
easat-2718	55	12	by	by	ADP
easat-2718	55	13	earnings	earning	NOUN
easat-2718	55	14	at	at	ADP
easat-2718	55	15	risk	risk	NOUN
easat-2718	55	16	or	or	CCONJ
easat-2718	55	17	using	use	VERB
easat-2718	55	18	an	an	DET
easat-2718	55	19	economic	economic	ADJ
easat-2718	55	20	value	value	NOUN
easat-2718	55	21	approach	approach	NOUN
easat-2718	55	22	.	.	PUNCT
easat-2718	56	1	the	the	DET
easat-2718	56	2	latter	latter	ADJ
easat-2718	56	3	measures	measure	VERB
easat-2718	56	4	the	the	DET
easat-2718	56	5	impact	impact	NOUN
easat-2718	56	6	of	of	ADP
easat-2718	56	7	interest	interest	NOUN
easat-2718	56	8	rate	rate	NOUN
easat-2718	56	9	shocks	shock	NOUN
easat-2718	56	10	on	on	ADP
easat-2718	56	11	the	the	DET
easat-2718	56	12	value	value	NOUN
easat-2718	56	13	of	of	ADP
easat-2718	56	14	assets	asset	NOUN
easat-2718	56	15	and	and	CCONJ
easat-2718	56	16	liabilities	liability	NOUN
easat-2718	56	17	,	,	PUNCT
easat-2718	56	18	whereas	whereas	SCONJ
easat-2718	56	19	the	the	DET
easat-2718	56	20	former	former	ADJ
easat-2718	56	21	looks	look	VERB
easat-2718	56	22	at	at	ADP
easat-2718	56	23	the	the	DET
easat-2718	56	24	impact	impact	NOUN
easat-2718	56	25	of	of	ADP
easat-2718	56	26	the	the	DET
easat-2718	56	27	shocks	shock	NOUN
easat-2718	56	28	on	on	ADP
easat-2718	56	29	the	the	DET
easat-2718	56	30	cash	cash	NOUN
easat-2718	56	31	flow	flow	NOUN
easat-2718	56	32	generated	generate	VERB
easat-2718	56	33	by	by	ADP
easat-2718	56	34	the	the	DET
easat-2718	56	35	portfolio	portfolio	NOUN
easat-2718	56	36	(	(	PUNCT
easat-2718	56	37	i.e.	i.e.	X
easat-2718	56	38	,	,	PUNCT
easat-2718	56	39	a	a	DET
easat-2718	56	40	bank	bank	NOUN
easat-2718	56	41	's	's	PART
easat-2718	56	42	net	net	ADJ
easat-2718	56	43	interest	interest	NOUN
easat-2718	56	44	income	income	NOUN
easat-2718	56	45	)	)	PUNCT
easat-2718	56	46	(	(	PUNCT
easat-2718	56	47	bcbs	bcbs	PROPN
easat-2718	56	48	,	,	PUNCT
easat-2718	56	49	2009	2009	NUM
easat-2718	56	50	)	)	PUNCT
easat-2718	56	51	.	.	PUNCT
easat-2718	57	1	3363	3363	NUM
easat-2718	57	2	edelweiss	edelweiss	PROPN
easat-2718	57	3	applied	apply	VERB
easat-2718	57	4	science	science	NOUN
easat-2718	57	5	and	and	CCONJ
easat-2718	57	6	technology	technology	NOUN
easat-2718	57	7	issn	issn	PROPN
easat-2718	57	8	:	:	PUNCT
easat-2718	57	9	2576	2576	NUM
easat-2718	57	10	-	-	SYM
easat-2718	57	11	8484	8484	NUM
easat-2718	57	12	vol	vol	NOUN
easat-2718	57	13	.	.	PROPN
easat-2718	57	14	8	8	NUM
easat-2718	57	15	,	,	PUNCT
easat-2718	57	16	no	no	INTJ
easat-2718	57	17	.	.	NOUN
easat-2718	58	1	6	6	NUM
easat-2718	58	2	:	:	PUNCT
easat-2718	58	3	3361	3361	NUM
easat-2718	58	4	-	-	SYM
easat-2718	58	5	3380	3380	NUM
easat-2718	58	6	,	,	PUNCT
easat-2718	58	7	2024	2024	NUM
easat-2718	58	8	doi	doi	NOUN
easat-2718	58	9	:	:	PUNCT
easat-2718	58	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	58	11	©	©	PROPN
easat-2718	58	12	2024	2024	NUM
easat-2718	58	13	by	by	ADP
easat-2718	58	14	the	the	DET
easat-2718	58	15	authors	author	NOUN
easat-2718	58	16	;	;	PUNCT
easat-2718	58	17	licensee	licensee	PROPN
easat-2718	58	18	learning	learn	VERB
easat-2718	58	19	gate	gate	NOUN
easat-2718	58	20	banks	bank	NOUN
easat-2718	58	21	employ	employ	VERB
easat-2718	58	22	various	various	ADJ
easat-2718	58	23	tools	tool	NOUN
easat-2718	58	24	to	to	PART
easat-2718	58	25	manage	manage	VERB
easat-2718	58	26	these	these	DET
easat-2718	58	27	risks	risk	NOUN
easat-2718	58	28	,	,	PUNCT
easat-2718	58	29	including	include	VERB
easat-2718	58	30	using	use	VERB
easat-2718	58	31	interest	interest	NOUN
easat-2718	58	32	rate	rate	NOUN
easat-2718	58	33	derivatives	derivative	NOUN
easat-2718	58	34	(	(	PUNCT
easat-2718	58	35	rose	rise	VERB
easat-2718	58	36	&	&	CCONJ
easat-2718	58	37	hudgins	hudgins	PROPN
easat-2718	58	38	,	,	PUNCT
easat-2718	58	39	2005	2005	NUM
easat-2718	58	40	;	;	PUNCT
easat-2718	58	41	hull	hull	NOUN
easat-2718	58	42	,	,	PUNCT
easat-2718	58	43	2003	2003	NUM
easat-2718	58	44	;	;	PUNCT
easat-2718	58	45	lubinska	lubinska	NOUN
easat-2718	58	46	,	,	PUNCT
easat-2718	58	47	2021	2021	NUM
easat-2718	58	48	)	)	PUNCT
easat-2718	58	49	.	.	PUNCT
easat-2718	59	1	diamond	diamond	NOUN
easat-2718	59	2	(	(	PUNCT
easat-2718	59	3	1984	1984	NUM
easat-2718	59	4	)	)	PUNCT
easat-2718	59	5	model	model	NOUN
easat-2718	59	6	suggests	suggest	VERB
easat-2718	59	7	that	that	SCONJ
easat-2718	59	8	,	,	PUNCT
easat-2718	59	9	given	give	VERB
easat-2718	59	10	the	the	DET
easat-2718	59	11	presence	presence	NOUN
easat-2718	59	12	of	of	ADP
easat-2718	59	13	costly	costly	ADJ
easat-2718	59	14	bank	bank	NOUN
easat-2718	59	15	failures	failure	NOUN
easat-2718	59	16	,	,	PUNCT
easat-2718	59	17	banks	bank	NOUN
easat-2718	59	18	should	should	AUX
easat-2718	59	19	hedge	hedge	VERB
easat-2718	59	20	all	all	DET
easat-2718	59	21	market	market	NOUN
easat-2718	59	22	risks	risk	NOUN
easat-2718	59	23	,	,	PUNCT
easat-2718	59	24	including	include	VERB
easat-2718	59	25	interest	interest	NOUN
easat-2718	59	26	rate	rate	NOUN
easat-2718	59	27	risk	risk	NOUN
easat-2718	59	28	,	,	PUNCT
easat-2718	59	29	where	where	SCONJ
easat-2718	59	30	they	they	PRON
easat-2718	59	31	lack	lack	VERB
easat-2718	59	32	particular	particular	ADJ
easat-2718	59	33	monitoring	monitoring	NOUN
easat-2718	59	34	advantages	advantage	NOUN
easat-2718	59	35	.	.	PUNCT
easat-2718	60	1	the	the	DET
easat-2718	60	2	model	model	NOUN
easat-2718	60	3	also	also	ADV
easat-2718	60	4	indicates	indicate	VERB
easat-2718	60	5	that	that	SCONJ
easat-2718	60	6	effective	effective	ADJ
easat-2718	60	7	interest	interest	NOUN
easat-2718	60	8	rate	rate	NOUN
easat-2718	60	9	risk	risk	NOUN
easat-2718	60	10	management	management	NOUN
easat-2718	60	11	can	can	AUX
easat-2718	60	12	enhance	enhance	VERB
easat-2718	60	13	the	the	DET
easat-2718	60	14	intermediation	intermediation	NOUN
easat-2718	60	15	efficiency	efficiency	NOUN
easat-2718	60	16	of	of	ADP
easat-2718	60	17	banks	bank	NOUN
easat-2718	60	18	,	,	PUNCT
easat-2718	60	19	enabling	enable	VERB
easat-2718	60	20	them	they	PRON
easat-2718	60	21	to	to	PART
easat-2718	60	22	take	take	VERB
easat-2718	60	23	on	on	ADP
easat-2718	60	24	more	more	ADJ
easat-2718	60	25	credit	credit	NOUN
easat-2718	60	26	risk	risk	NOUN
easat-2718	60	27	.	.	PUNCT
easat-2718	61	1	smith	smith	NOUN
easat-2718	61	2	and	and	CCONJ
easat-2718	61	3	stulz	stulz	ADJ
easat-2718	61	4	(	(	PUNCT
easat-2718	61	5	1985	1985	NUM
easat-2718	61	6	)	)	PUNCT
easat-2718	61	7	demonstrate	demonstrate	VERB
easat-2718	61	8	that	that	SCONJ
easat-2718	61	9	hedging	hedge	VERB
easat-2718	61	10	interest	interest	NOUN
easat-2718	61	11	rate	rate	NOUN
easat-2718	61	12	risk	risk	NOUN
easat-2718	61	13	can	can	AUX
easat-2718	61	14	increase	increase	VERB
easat-2718	61	15	firm	firm	ADJ
easat-2718	61	16	value	value	NOUN
easat-2718	61	17	by	by	ADP
easat-2718	61	18	reducing	reduce	VERB
easat-2718	61	19	the	the	DET
easat-2718	61	20	anticipated	anticipate	VERB
easat-2718	61	21	transaction	transaction	NOUN
easat-2718	61	22	costs	cost	NOUN
easat-2718	61	23	of	of	ADP
easat-2718	61	24	bankruptcy	bankruptcy	NOUN
easat-2718	61	25	.	.	PUNCT
easat-2718	62	1	froot	froot	NOUN
easat-2718	62	2	et	et	PROPN
easat-2718	62	3	al	al	PROPN
easat-2718	62	4	.	.	PROPN
easat-2718	62	5	,	,	PUNCT
easat-2718	62	6	(	(	PUNCT
easat-2718	62	7	1993	1993	NUM
easat-2718	62	8	)	)	PUNCT
easat-2718	62	9	incorporate	incorporate	VERB
easat-2718	62	10	the	the	DET
easat-2718	62	11	cost	cost	NOUN
easat-2718	62	12	of	of	ADP
easat-2718	62	13	financial	financial	ADJ
easat-2718	62	14	distress	distress	NOUN
easat-2718	62	15	into	into	ADP
easat-2718	62	16	their	their	PRON
easat-2718	62	17	analysis	analysis	NOUN
easat-2718	62	18	,	,	PUNCT
easat-2718	62	19	contending	contend	VERB
easat-2718	62	20	that	that	SCONJ
easat-2718	62	21	firms	firm	NOUN
easat-2718	62	22	should	should	AUX
easat-2718	62	23	hedge	hedge	VERB
easat-2718	62	24	to	to	PART
easat-2718	62	25	avoid	avoid	VERB
easat-2718	62	26	the	the	DET
easat-2718	62	27	expenses	expense	NOUN
easat-2718	62	28	associated	associate	VERB
easat-2718	62	29	with	with	ADP
easat-2718	62	30	external	external	ADJ
easat-2718	62	31	financing	financing	NOUN
easat-2718	62	32	during	during	ADP
easat-2718	62	33	periods	period	NOUN
easat-2718	62	34	of	of	ADP
easat-2718	62	35	low	low	ADJ
easat-2718	62	36	internal	internal	ADJ
easat-2718	62	37	cash	cash	NOUN
easat-2718	62	38	flow	flow	NOUN
easat-2718	62	39	.	.	PUNCT
easat-2718	63	1	additional	additional	ADJ
easat-2718	63	2	motivations	motivation	NOUN
easat-2718	63	3	for	for	ADP
easat-2718	63	4	risk	risk	NOUN
easat-2718	63	5	management	management	NOUN
easat-2718	63	6	encompass	encompass	NOUN
easat-2718	63	7	managerial	managerial	ADJ
easat-2718	63	8	risk	risk	NOUN
easat-2718	63	9	aversion	aversion	NOUN
easat-2718	63	10	,	,	PUNCT
easat-2718	63	11	information	information	NOUN
easat-2718	63	12	asymmetry	asymmetry	NOUN
easat-2718	63	13	between	between	ADP
easat-2718	63	14	firm	firm	ADJ
easat-2718	63	15	insiders	insider	NOUN
easat-2718	63	16	and	and	CCONJ
easat-2718	63	17	outsiders	outsider	NOUN
easat-2718	63	18	,	,	PUNCT
easat-2718	63	19	enhanced	enhance	VERB
easat-2718	63	20	debt	debt	NOUN
easat-2718	63	21	capacity	capacity	NOUN
easat-2718	63	22	,	,	PUNCT
easat-2718	63	23	and	and	CCONJ
easat-2718	63	24	the	the	DET
easat-2718	63	25	convexity	convexity	NOUN
easat-2718	63	26	of	of	ADP
easat-2718	63	27	taxes	taxis	NOUN
easat-2718	63	28	(	(	PUNCT
easat-2718	63	29	stulz	stulz	ADJ
easat-2718	63	30	,	,	PUNCT
easat-2718	63	31	2022	2022	NUM
easat-2718	63	32	;	;	PUNCT
easat-2718	63	33	smith	smith	PROPN
easat-2718	63	34	&	&	CCONJ
easat-2718	63	35	stulz	stulz	ADJ
easat-2718	63	36	,	,	PUNCT
easat-2718	63	37	1985	1985	NUM
easat-2718	63	38	;	;	PUNCT
easat-2718	63	39	demarzo	demarzo	NOUN
easat-2718	63	40	&	&	CCONJ
easat-2718	63	41	duffie	duffie	PROPN
easat-2718	63	42	,	,	PUNCT
easat-2718	63	43	1999	1999	NUM
easat-2718	63	44	;	;	PUNCT
easat-2718	63	45	leland	leland	PROPN
easat-2718	63	46	,	,	PUNCT
easat-2718	63	47	1998	1998	NUM
easat-2718	63	48	)	)	PUNCT
easat-2718	63	49	.	.	PUNCT
easat-2718	64	1	in	in	ADP
easat-2718	64	2	recent	recent	ADJ
easat-2718	64	3	years	year	NOUN
easat-2718	64	4	,	,	PUNCT
easat-2718	64	5	the	the	DET
easat-2718	64	6	regulatory	regulatory	ADJ
easat-2718	64	7	framework	framework	NOUN
easat-2718	64	8	and	and	CCONJ
easat-2718	64	9	guidelines	guideline	NOUN
easat-2718	64	10	on	on	ADP
easat-2718	64	11	interest	interest	NOUN
easat-2718	64	12	rate	rate	NOUN
easat-2718	64	13	risk	risk	NOUN
easat-2718	64	14	management	management	NOUN
easat-2718	64	15	put	put	VERB
easat-2718	64	16	forth	forth	ADP
easat-2718	64	17	by	by	ADP
easat-2718	64	18	the	the	DET
easat-2718	64	19	basel	basel	PROPN
easat-2718	64	20	committee	committee	PROPN
easat-2718	64	21	on	on	ADP
easat-2718	64	22	banking	banking	NOUN
easat-2718	64	23	supervision	supervision	NOUN
easat-2718	64	24	(	(	PUNCT
easat-2718	64	25	bcbs	bcbs	PROPN
easat-2718	64	26	)	)	PUNCT
easat-2718	64	27	have	have	AUX
easat-2718	64	28	played	play	VERB
easat-2718	64	29	a	a	DET
easat-2718	64	30	crucial	crucial	ADJ
easat-2718	64	31	role	role	NOUN
easat-2718	64	32	in	in	ADP
easat-2718	64	33	shaping	shape	VERB
easat-2718	64	34	risk	risk	NOUN
easat-2718	64	35	management	management	NOUN
easat-2718	64	36	practices	practice	NOUN
easat-2718	64	37	in	in	ADP
easat-2718	64	38	the	the	DET
easat-2718	64	39	global	global	ADJ
easat-2718	64	40	banking	banking	NOUN
easat-2718	64	41	sector	sector	NOUN
easat-2718	64	42	.	.	PUNCT
easat-2718	65	1	the	the	DET
easat-2718	65	2	2004	2004	NUM
easat-2718	65	3	version	version	NOUN
easat-2718	65	4	delineates	delineate	VERB
easat-2718	65	5	fundamental	fundamental	ADJ
easat-2718	65	6	principles	principle	NOUN
easat-2718	65	7	for	for	ADP
easat-2718	65	8	financial	financial	ADJ
easat-2718	65	9	institutions	institution	NOUN
easat-2718	65	10	to	to	PART
easat-2718	65	11	address	address	VERB
easat-2718	65	12	interest	interest	NOUN
easat-2718	65	13	rate	rate	NOUN
easat-2718	65	14	risk	risk	NOUN
easat-2718	65	15	comprehensively	comprehensively	ADV
easat-2718	65	16	.	.	PUNCT
easat-2718	66	1	it	it	PRON
easat-2718	66	2	provides	provide	VERB
easat-2718	66	3	a	a	DET
easat-2718	66	4	structured	structured	ADJ
easat-2718	66	5	approach	approach	NOUN
easat-2718	66	6	for	for	ADP
easat-2718	66	7	risk	risk	NOUN
easat-2718	66	8	identification	identification	NOUN
easat-2718	66	9	and	and	CCONJ
easat-2718	66	10	mitigation	mitigation	NOUN
easat-2718	66	11	(	(	PUNCT
easat-2718	66	12	bcbs	bcb	NOUN
easat-2718	66	13	,	,	PUNCT
easat-2718	66	14	2004	2004	NUM
easat-2718	66	15	)	)	PUNCT
easat-2718	66	16	.	.	PUNCT
easat-2718	67	1	the	the	DET
easat-2718	67	2	subsequent	subsequent	ADJ
easat-2718	67	3	2016	2016	NUM
easat-2718	67	4	version	version	NOUN
easat-2718	67	5	represents	represent	VERB
easat-2718	67	6	an	an	DET
easat-2718	67	7	evolution	evolution	NOUN
easat-2718	67	8	in	in	ADP
easat-2718	67	9	response	response	NOUN
easat-2718	67	10	to	to	ADP
easat-2718	67	11	changes	change	NOUN
easat-2718	67	12	in	in	ADP
easat-2718	67	13	the	the	DET
easat-2718	67	14	financial	financial	ADJ
easat-2718	67	15	landscape	landscape	NOUN
easat-2718	67	16	(	(	PUNCT
easat-2718	67	17	bcbs	bcbs	PROPN
easat-2718	67	18	,	,	PUNCT
easat-2718	67	19	2016	2016	NUM
easat-2718	67	20	)	)	PUNCT
easat-2718	67	21	.	.	PUNCT
easat-2718	68	1	this	this	DET
easat-2718	68	2	update	update	NOUN
easat-2718	68	3	introduces	introduce	VERB
easat-2718	68	4	more	more	ADV
easat-2718	68	5	stringent	stringent	ADJ
easat-2718	68	6	standards	standard	NOUN
easat-2718	68	7	,	,	PUNCT
easat-2718	68	8	emphasizing	emphasize	VERB
easat-2718	68	9	the	the	DET
easat-2718	68	10	importance	importance	NOUN
easat-2718	68	11	of	of	ADP
easat-2718	68	12	stress	stress	NOUN
easat-2718	68	13	testing	testing	NOUN
easat-2718	68	14	,	,	PUNCT
easat-2718	68	15	enhancing	enhance	VERB
easat-2718	68	16	disclosure	disclosure	NOUN
easat-2718	68	17	requirements	requirement	NOUN
easat-2718	68	18	,	,	PUNCT
easat-2718	68	19	and	and	CCONJ
easat-2718	68	20	providing	provide	VERB
easat-2718	68	21	a	a	DET
easat-2718	68	22	more	more	ADV
easat-2718	68	23	refined	refined	ADJ
easat-2718	68	24	framework	framework	NOUN
easat-2718	68	25	for	for	ADP
easat-2718	68	26	managing	manage	VERB
easat-2718	68	27	interest	interest	NOUN
easat-2718	68	28	rate	rate	NOUN
easat-2718	68	29	risk	risk	NOUN
easat-2718	68	30	in	in	ADP
easat-2718	68	31	the	the	DET
easat-2718	68	32	banking	banking	NOUN
easat-2718	68	33	book	book	NOUN
easat-2718	68	34	.	.	PUNCT
easat-2718	69	1	the	the	DET
easat-2718	69	2	2016	2016	NUM
easat-2718	69	3	version	version	NOUN
easat-2718	69	4	reflects	reflect	VERB
easat-2718	69	5	the	the	DET
easat-2718	69	6	bcbs	bcb	NOUN
easat-2718	69	7	's	's	PART
easat-2718	69	8	commitment	commitment	NOUN
easat-2718	69	9	to	to	ADP
easat-2718	69	10	adapting	adapt	VERB
easat-2718	69	11	regulatory	regulatory	ADJ
easat-2718	69	12	guidelines	guideline	NOUN
easat-2718	69	13	to	to	PART
easat-2718	69	14	address	address	VERB
easat-2718	69	15	emerging	emerge	VERB
easat-2718	69	16	challenges	challenge	NOUN
easat-2718	69	17	and	and	CCONJ
easat-2718	69	18	promote	promote	VERB
easat-2718	69	19	the	the	DET
easat-2718	69	20	resilience	resilience	NOUN
easat-2718	69	21	of	of	ADP
easat-2718	69	22	banking	banking	NOUN
easat-2718	69	23	institutions	institution	NOUN
easat-2718	69	24	.	.	PUNCT
easat-2718	70	1	in	in	ADP
easat-2718	70	2	vietnam	vietnam	PROPN
easat-2718	70	3	,	,	PUNCT
easat-2718	70	4	according	accord	VERB
easat-2718	70	5	to	to	ADP
easat-2718	70	6	basel	basel	PROPN
easat-2718	70	7	guidelines	guideline	NOUN
easat-2718	70	8	and	and	CCONJ
easat-2718	70	9	circular	circular	ADJ
easat-2718	70	10	no.13/2018	no.13/2018	NOUN
easat-2718	70	11	/	/	SYM
easat-2718	70	12	tt	tt	PROPN
easat-2718	70	13	-	-	PUNCT
easat-2718	70	14	nhnn	nhnn	PROPN
easat-2718	70	15	,	,	PUNCT
easat-2718	70	16	the	the	DET
easat-2718	70	17	current	current	ADJ
easat-2718	70	18	regulation	regulation	NOUN
easat-2718	70	19	of	of	ADP
easat-2718	70	20	sbv	sbv	PROPN
easat-2718	70	21	,	,	PUNCT
easat-2718	70	22	which	which	PRON
easat-2718	70	23	includes	include	VERB
easat-2718	70	24	irrbb	irrbb	NOUN
easat-2718	70	25	management	management	NOUN
easat-2718	70	26	and	and	CCONJ
easat-2718	70	27	irrbb	irrbb	NOUN
easat-2718	70	28	management	management	NOUN
easat-2718	70	29	framework	framework	NOUN
easat-2718	70	30	at	at	ADP
easat-2718	70	31	commercial	commercial	ADJ
easat-2718	70	32	banks	bank	NOUN
easat-2718	70	33	,	,	PUNCT
easat-2718	70	34	is	be	AUX
easat-2718	70	35	shown	show	VERB
easat-2718	70	36	in	in	ADP
easat-2718	70	37	finger	finger	NOUN
easat-2718	70	38	1	1	NUM
easat-2718	70	39	.	.	PUNCT
easat-2718	71	1	in	in	ADP
easat-2718	71	2	particular	particular	ADJ
easat-2718	71	3	,	,	PUNCT
easat-2718	71	4	this	this	DET
easat-2718	71	5	framework	framework	NOUN
easat-2718	71	6	consists	consist	VERB
easat-2718	71	7	of	of	ADP
easat-2718	71	8	:	:	PUNCT
easat-2718	71	9	(	(	PUNCT
easat-2718	71	10	i	i	NOUN
easat-2718	71	11	)	)	PUNCT
easat-2718	71	12	oversight	oversight	NOUN
easat-2718	71	13	of	of	ADP
easat-2718	71	14	senior	senior	ADJ
easat-2718	71	15	managers	manager	NOUN
easat-2718	71	16	on	on	ADP
easat-2718	71	17	irrbb	irrbb	PROPN
easat-2718	71	18	,	,	PUNCT
easat-2718	71	19	including	include	VERB
easat-2718	71	20	establishment	establishment	NOUN
easat-2718	71	21	,	,	PUNCT
easat-2718	71	22	approval	approval	NOUN
easat-2718	71	23	,	,	PUNCT
easat-2718	71	24	implementation	implementation	NOUN
easat-2718	71	25	,	,	PUNCT
easat-2718	71	26	and	and	CCONJ
easat-2718	71	27	annual	annual	ADJ
easat-2718	71	28	revision	revision	NOUN
easat-2718	71	29	of	of	ADP
easat-2718	71	30	irrbb	irrbb	PROPN
easat-2718	71	31	management	management	NOUN
easat-2718	71	32	strategies	strategy	NOUN
easat-2718	71	33	,	,	PUNCT
easat-2718	71	34	policies	policy	NOUN
easat-2718	71	35	,	,	PUNCT
easat-2718	71	36	and	and	CCONJ
easat-2718	71	37	limits	limit	NOUN
easat-2718	71	38	and	and	CCONJ
easat-2718	71	39	development	development	NOUN
easat-2718	71	40	and	and	CCONJ
easat-2718	71	41	approval	approval	NOUN
easat-2718	71	42	of	of	ADP
easat-2718	71	43	limits	limit	NOUN
easat-2718	71	44	on	on	ADP
easat-2718	71	45	irrbb	irrbb	NOUN
easat-2718	71	46	aligned	align	VERB
easat-2718	71	47	with	with	ADP
easat-2718	71	48	the	the	DET
easat-2718	71	49	bank	bank	NOUN
easat-2718	71	50	's	's	PART
easat-2718	71	51	risk	risk	NOUN
easat-2718	71	52	appetite	appetite	NOUN
easat-2718	71	53	;	;	PUNCT
easat-2718	71	54	(	(	PUNCT
easat-2718	71	55	ii	ii	NOUN
easat-2718	71	56	)	)	PUNCT
easat-2718	71	57	risk	risk	NOUN
easat-2718	71	58	identification	identification	NOUN
easat-2718	71	59	in	in	ADP
easat-2718	71	60	terms	term	NOUN
easat-2718	71	61	of	of	ADP
easat-2718	71	62	all	all	DET
easat-2718	71	63	causes	cause	NOUN
easat-2718	71	64	leading	lead	VERB
easat-2718	71	65	to	to	ADP
easat-2718	71	66	irrbb	irrbb	NOUN
easat-2718	71	67	and	and	CCONJ
easat-2718	71	68	positions	position	NOUN
easat-2718	71	69	in	in	ADP
easat-2718	71	70	the	the	DET
easat-2718	71	71	banking	banking	NOUN
easat-2718	71	72	book	book	NOUN
easat-2718	71	73	suffered	suffer	VERB
easat-2718	71	74	by	by	ADP
easat-2718	71	75	changes	change	NOUN
easat-2718	71	76	in	in	ADP
easat-2718	71	77	interest	interest	NOUN
easat-2718	71	78	rate	rate	NOUN
easat-2718	71	79	.	.	PUNCT
easat-2718	72	1	(	(	PUNCT
easat-2718	72	2	iii	iii	X
easat-2718	72	3	)	)	PUNCT
easat-2718	72	4	measurement	measurement	NOUN
easat-2718	72	5	and	and	CCONJ
easat-2718	72	6	assessment	assessment	NOUN
easat-2718	72	7	of	of	ADP
easat-2718	72	8	irrbb	irrbb	NOUN
easat-2718	72	9	comprising	comprise	VERB
easat-2718	72	10	methodology	methodology	NOUN
easat-2718	72	11	and	and	CCONJ
easat-2718	72	12	measurement	measurement	NOUN
easat-2718	72	13	of	of	ADP
easat-2718	72	14	irrbb	irrbb	PROPN
easat-2718	72	15	,	,	PUNCT
easat-2718	72	16	irrbb	irrbb	NOUN
easat-2718	72	17	stress	stress	NOUN
easat-2718	72	18	tests	test	NOUN
easat-2718	72	19	,	,	PUNCT
easat-2718	72	20	and	and	CCONJ
easat-2718	72	21	calculation	calculation	NOUN
easat-2718	72	22	of	of	ADP
easat-2718	72	23	capital	capital	NOUN
easat-2718	72	24	buffer	buffer	NOUN
easat-2718	72	25	for	for	ADP
easat-2718	72	26	irrbb	irrbb	NOUN
easat-2718	72	27	.	.	PUNCT
easat-2718	73	1	(	(	PUNCT
easat-2718	73	2	iv	iv	X
easat-2718	73	3	)	)	PUNCT
easat-2718	73	4	monitoring	monitoring	NOUN
easat-2718	73	5	and	and	CCONJ
easat-2718	73	6	controls	control	NOUN
easat-2718	73	7	such	such	ADJ
easat-2718	73	8	as	as	ADP
easat-2718	73	9	controlling	control	VERB
easat-2718	73	10	,	,	PUNCT
easat-2718	73	11	preventing	preventing	NOUN
easat-2718	73	12	,	,	PUNCT
easat-2718	73	13	and	and	CCONJ
easat-2718	73	14	mitigating	mitigate	VERB
easat-2718	73	15	interest	interest	NOUN
easat-2718	73	16	rate	rate	NOUN
easat-2718	73	17	risk	risk	NOUN
easat-2718	73	18	.	.	PUNCT
easat-2718	74	1	(	(	PUNCT
easat-2718	74	2	v	v	NOUN
easat-2718	74	3	)	)	PUNCT
easat-2718	74	4	issuance	issuance	NOUN
easat-2718	74	5	of	of	ADP
easat-2718	74	6	irrbb	irrbb	PROPN
easat-2718	74	7	report	report	NOUN
easat-2718	74	8	in	in	ADP
easat-2718	74	9	the	the	DET
easat-2718	74	10	irrbb	irrbb	PROPN
easat-2718	74	11	management	management	NOUN
easat-2718	74	12	framework	framework	NOUN
easat-2718	74	13	,	,	PUNCT
easat-2718	74	14	box	box	NOUN
easat-2718	74	15	number	number	NOUN
easat-2718	74	16	1	1	NUM
easat-2718	74	17	is	be	AUX
easat-2718	74	18	about	about	ADP
easat-2718	74	19	the	the	DET
easat-2718	74	20	responsible	responsible	ADJ
easat-2718	74	21	of	of	ADP
easat-2718	74	22	governing	govern	VERB
easat-2718	74	23	body	body	NOUN
easat-2718	74	24	of	of	ADP
easat-2718	74	25	each	each	DET
easat-2718	74	26	bank	bank	NOUN
easat-2718	74	27	for	for	ADP
easat-2718	74	28	the	the	PRON
easat-2718	74	29	for	for	ADP
easat-2718	74	30	the	the	DET
easat-2718	74	31	overall	overall	ADJ
easat-2718	74	32	oversight	oversight	NOUN
easat-2718	74	33	of	of	ADP
easat-2718	74	34	the	the	DET
easat-2718	74	35	irrbb	irrbb	NOUN
easat-2718	74	36	management	management	NOUN
easat-2718	74	37	;	;	PUNCT
easat-2718	74	38	box	box	NOUN
easat-2718	74	39	number	number	NOUN
easat-2718	74	40	2	2	NUM
easat-2718	74	41	,	,	PUNCT
easat-2718	74	42	3	3	NUM
easat-2718	74	43	,	,	PUNCT
easat-2718	74	44	and	and	CCONJ
easat-2718	74	45	4	4	NUM
easat-2718	74	46	followed	follow	VERB
easat-2718	74	47	the	the	DET
easat-2718	74	48	process	process	NOUN
easat-2718	74	49	of	of	ADP
easat-2718	74	50	irrbb	irrbb	PROPN
easat-2718	74	51	identification	identification	NOUN
easat-2718	74	52	,	,	PUNCT
easat-2718	74	53	irrbb	irrbb	NOUN
easat-2718	74	54	measurement	measurement	NOUN
easat-2718	74	55	and	and	CCONJ
easat-2718	74	56	assessment	assessment	NOUN
easat-2718	74	57	and	and	CCONJ
easat-2718	74	58	irrbb	irrbb	NOUN
easat-2718	74	59	monitoring	monitoring	NOUN
easat-2718	74	60	and	and	CCONJ
easat-2718	74	61	controls	control	NOUN
easat-2718	74	62	;	;	PUNCT
easat-2718	74	63	box	box	NOUN
easat-2718	74	64	number	number	NOUN
easat-2718	74	65	5	5	NUM
easat-2718	74	66	is	be	AUX
easat-2718	74	67	about	about	ADP
easat-2718	74	68	irrbb	irrbb	NOUN
easat-2718	74	69	report	report	NOUN
easat-2718	74	70	on	on	ADP
easat-2718	74	71	all	all	DET
easat-2718	74	72	activities	activity	NOUN
easat-2718	74	73	conducted	conduct	VERB
easat-2718	74	74	regarding	regard	VERB
easat-2718	74	75	irrbb	irrbb	PROPN
easat-2718	74	76	management	management	NOUN
easat-2718	74	77	.	.	PUNCT
easat-2718	75	1	3364	3364	NUM
easat-2718	75	2	edelweiss	edelweiss	PROPN
easat-2718	75	3	applied	apply	VERB
easat-2718	75	4	science	science	NOUN
easat-2718	75	5	and	and	CCONJ
easat-2718	75	6	technology	technology	NOUN
easat-2718	75	7	issn	issn	PROPN
easat-2718	75	8	:	:	PUNCT
easat-2718	75	9	2576	2576	NUM
easat-2718	75	10	-	-	SYM
easat-2718	75	11	8484	8484	NUM
easat-2718	75	12	vol	vol	NOUN
easat-2718	75	13	.	.	PROPN
easat-2718	75	14	8	8	NUM
easat-2718	75	15	,	,	PUNCT
easat-2718	75	16	no	no	INTJ
easat-2718	75	17	.	.	NOUN
easat-2718	76	1	6	6	NUM
easat-2718	76	2	:	:	PUNCT
easat-2718	76	3	3361	3361	NUM
easat-2718	76	4	-	-	SYM
easat-2718	76	5	3380	3380	NUM
easat-2718	76	6	,	,	PUNCT
easat-2718	76	7	2024	2024	NUM
easat-2718	76	8	doi	doi	NOUN
easat-2718	76	9	:	:	PUNCT
easat-2718	76	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	76	11	©	©	PROPN
easat-2718	76	12	2024	2024	NUM
easat-2718	76	13	by	by	ADP
easat-2718	76	14	the	the	DET
easat-2718	76	15	authors	author	NOUN
easat-2718	76	16	;	;	PUNCT
easat-2718	76	17	licensee	licensee	PROPN
easat-2718	76	18	learning	learn	VERB
easat-2718	76	19	gate	gate	NOUN
easat-2718	76	20	figure	figure	NOUN
easat-2718	76	21	1	1	NUM
easat-2718	76	22	.	.	PUNCT
easat-2718	76	23	interest	interest	NOUN
easat-2718	76	24	rate	rate	NOUN
easat-2718	76	25	risk	risk	NOUN
easat-2718	76	26	in	in	ADP
easat-2718	76	27	banking	banking	NOUN
easat-2718	76	28	book	book	NOUN
easat-2718	76	29	management	management	NOUN
easat-2718	76	30	framework	framework	NOUN
easat-2718	76	31	at	at	ADP
easat-2718	76	32	commercial	commercial	ADJ
easat-2718	76	33	banks	bank	NOUN
easat-2718	76	34	.	.	PUNCT
easat-2718	77	1	to	to	PART
easat-2718	77	2	measure	measure	VERB
easat-2718	77	3	irrbb	irrbb	PROPN
easat-2718	77	4	,	,	PUNCT
easat-2718	77	5	bcbs	bcbs	PROPN
easat-2718	77	6	(	(	PUNCT
easat-2718	77	7	2004	2004	NUM
easat-2718	77	8	)	)	PUNCT
easat-2718	77	9	and	and	CCONJ
easat-2718	77	10	bcbs	bcbs	PROPN
easat-2718	77	11	(	(	PUNCT
easat-2718	77	12	2005	2005	NUM
easat-2718	77	13	)	)	PUNCT
easat-2718	77	14	requires	require	VERB
easat-2718	77	15	banks	bank	NOUN
easat-2718	77	16	to	to	PART
easat-2718	77	17	include	include	VERB
easat-2718	77	18	all	all	DET
easat-2718	77	19	sources	source	NOUN
easat-2718	77	20	of	of	ADP
easat-2718	77	21	interest	interest	NOUN
easat-2718	77	22	rate	rate	NOUN
easat-2718	77	23	risk	risk	NOUN
easat-2718	77	24	and	and	CCONJ
easat-2718	77	25	evaluate	evaluate	VERB
easat-2718	77	26	the	the	DET
easat-2718	77	27	impact	impact	NOUN
easat-2718	77	28	of	of	ADP
easat-2718	77	29	interest	interest	NOUN
easat-2718	77	30	rate	rate	NOUN
easat-2718	77	31	changes	change	NOUN
easat-2718	77	32	following	follow	VERB
easat-2718	77	33	the	the	DET
easat-2718	77	34	bank	bank	NOUN
easat-2718	77	35	's	's	PART
easat-2718	77	36	operations	operation	NOUN
easat-2718	77	37	.	.	PUNCT
easat-2718	78	1	bcbs	bcbs	PROPN
easat-2718	78	2	(	(	PUNCT
easat-2718	78	3	2016	2016	NUM
easat-2718	78	4	)	)	PUNCT
easat-2718	78	5	promulgated	promulgate	VERB
easat-2718	78	6	new	new	ADJ
easat-2718	78	7	regulations	regulation	NOUN
easat-2718	78	8	about	about	ADP
easat-2718	78	9	irrbb	irrbb	PROPN
easat-2718	78	10	,	,	PUNCT
easat-2718	78	11	including	include	VERB
easat-2718	78	12	irrbb	irrbb	NOUN
easat-2718	78	13	measurement	measurement	NOUN
easat-2718	78	14	principles	principle	NOUN
easat-2718	78	15	that	that	PRON
easat-2718	78	16	should	should	AUX
easat-2718	78	17	be	be	AUX
easat-2718	78	18	based	base	VERB
easat-2718	78	19	on	on	ADP
easat-2718	78	20	the	the	DET
easat-2718	78	21	results	result	NOUN
easat-2718	78	22	of	of	ADP
easat-2718	78	23	both	both	CCONJ
easat-2718	78	24	economic	economic	ADJ
easat-2718	78	25	value	value	NOUN
easat-2718	78	26	measures	measure	NOUN
easat-2718	78	27	and	and	CCONJ
easat-2718	78	28	income	income	NOUN
easat-2718	78	29	-	-	PUNCT
easat-2718	78	30	based	base	VERB
easat-2718	78	31	measures	measure	NOUN
easat-2718	78	32	arising	arise	VERB
easat-2718	78	33	from	from	ADP
easat-2718	78	34	a	a	DET
easat-2718	78	35	range	range	NOUN
easat-2718	78	36	of	of	ADP
easat-2718	78	37	suitable	suitable	ADJ
easat-2718	78	38	interest	interest	NOUN
easat-2718	78	39	rate	rate	NOUN
easat-2718	78	40	shocks	shock	NOUN
easat-2718	78	41	and	and	CCONJ
easat-2718	78	42	stress	stress	NOUN
easat-2718	78	43	scenarios	scenario	NOUN
easat-2718	78	44	.	.	PUNCT
easat-2718	79	1	the	the	DET
easat-2718	79	2	set	set	NOUN
easat-2718	79	3	of	of	ADP
easat-2718	79	4	principles	principle	NOUN
easat-2718	79	5	for	for	ADP
easat-2718	79	6	irrbb	irrbb	NOUN
easat-2718	79	7	management	management	NOUN
easat-2718	79	8	provides	provide	VERB
easat-2718	79	9	stricter	strict	ADJ
easat-2718	79	10	standards	standard	NOUN
easat-2718	79	11	(	(	PUNCT
easat-2718	79	12	fessler	fessler	NOUN
easat-2718	79	13	,	,	PUNCT
easat-2718	79	14	2016	2016	NUM
easat-2718	79	15	;	;	PUNCT
easat-2718	79	16	deloitte	deloitte	PROPN
easat-2718	79	17	,	,	PUNCT
easat-2718	79	18	2017	2017	NUM
easat-2718	79	19	)	)	PUNCT
easat-2718	79	20	.	.	PUNCT
easat-2718	80	1	irbbb	irbbb	PROPN
easat-2718	80	2	measurement	measurement	NOUN
easat-2718	80	3	and	and	CCONJ
easat-2718	80	4	assessment	assessment	NOUN
easat-2718	80	5	usually	usually	ADV
easat-2718	80	6	have	have	VERB
easat-2718	80	7	two	two	NUM
easat-2718	80	8	objectives	objective	NOUN
easat-2718	80	9	:	:	PUNCT
easat-2718	80	10	in	in	ADP
easat-2718	80	11	the	the	DET
easat-2718	80	12	long	long	ADJ
easat-2718	80	13	term	term	NOUN
easat-2718	80	14	is	be	AUX
easat-2718	80	15	the	the	DET
easat-2718	80	16	change	change	NOUN
easat-2718	80	17	in	in	ADP
easat-2718	80	18	economic	economic	ADJ
easat-2718	80	19	value	value	NOUN
easat-2718	80	20	equity	equity	NOUN
easat-2718	80	21	(	(	PUNCT
easat-2718	80	22	eve	eve	PROPN
easat-2718	80	23	)	)	PUNCT
easat-2718	80	24	,	,	PUNCT
easat-2718	80	25	and	and	CCONJ
easat-2718	80	26	the	the	DET
easat-2718	80	27	short	short	ADJ
easat-2718	80	28	term	term	NOUN
easat-2718	80	29	is	be	AUX
easat-2718	80	30	the	the	DET
easat-2718	80	31	change	change	NOUN
easat-2718	80	32	of	of	ADP
easat-2718	80	33	net	net	ADJ
easat-2718	80	34	interest	interest	NOUN
easat-2718	80	35	income	income	NOUN
easat-2718	80	36	(	(	PUNCT
easat-2718	80	37	nii	nii	PROPN
easat-2718	80	38	)	)	PUNCT
easat-2718	80	39	(	(	PUNCT
easat-2718	80	40	sharma	sharma	PROPN
easat-2718	80	41	,	,	PUNCT
easat-2718	80	42	2012	2012	NUM
easat-2718	80	43	;	;	PUNCT
easat-2718	80	44	ozdemir	ozdemir	PROPN
easat-2718	80	45	&	&	CCONJ
easat-2718	80	46	sudarsana	sudarsana	PROPN
easat-2718	80	47	,	,	PUNCT
easat-2718	80	48	2016	2016	NUM
easat-2718	80	49	;	;	PUNCT
easat-2718	80	50	zijderveld	zijderveld	NOUN
easat-2718	80	51	,	,	PUNCT
easat-2718	80	52	2017	2017	NUM
easat-2718	80	53	;	;	PUNCT
easat-2718	80	54	wycisk	wycisk	NOUN
easat-2718	80	55	&	&	CCONJ
easat-2718	80	56	blijlevens	blijleven	NOUN
easat-2718	80	57	,	,	PUNCT
easat-2718	80	58	2018	2018	NUM
easat-2718	80	59	)	)	PUNCT
easat-2718	80	60	.	.	PUNCT
easat-2718	81	1	eba	eba	NOUN
easat-2718	81	2	(	(	PUNCT
easat-2718	81	3	2018	2018	NUM
easat-2718	81	4	)	)	PUNCT
easat-2718	81	5	guides	guide	VERB
easat-2718	81	6	two	two	NUM
easat-2718	81	7	modeling	modeling	NOUN
easat-2718	81	8	indicators	indicator	NOUN
easat-2718	81	9	:	:	PUNCT
easat-2718	81	10	unconditional	unconditional	ADJ
easat-2718	81	11	cash	cash	NOUN
easat-2718	81	12	flows	flow	NOUN
easat-2718	81	13	and	and	CCONJ
easat-2718	81	14	cash	cash	NOUN
easat-2718	81	15	flows	flow	NOUN
easat-2718	81	16	partially	partially	ADV
easat-2718	81	17	or	or	CCONJ
easat-2718	81	18	fully	fully	ADV
easat-2718	81	19	conditional	conditional	ADJ
easat-2718	81	20	on	on	ADP
easat-2718	81	21	interest	interest	NOUN
easat-2718	81	22	scenarios	scenario	NOUN
easat-2718	81	23	for	for	ADP
easat-2718	81	24	different	different	ADJ
easat-2718	81	25	categories	category	NOUN
easat-2718	81	26	of	of	ADP
easat-2718	81	27	institutions	institution	NOUN
easat-2718	81	28	.	.	PUNCT
easat-2718	82	1	applied	apply	VERB
easat-2718	82	2	the	the	DET
easat-2718	82	3	guidance	guidance	NOUN
easat-2718	82	4	of	of	ADP
easat-2718	82	5	financial	financial	ADJ
easat-2718	82	6	supervisors	supervisor	NOUN
easat-2718	82	7	and	and	CCONJ
easat-2718	82	8	central	central	ADJ
easat-2718	82	9	banks	bank	NOUN
easat-2718	82	10	,	,	PUNCT
easat-2718	82	11	authors	author	NOUN
easat-2718	82	12	and	and	CCONJ
easat-2718	82	13	commercial	commercial	ADJ
easat-2718	82	14	banks	bank	NOUN
easat-2718	82	15	could	could	AUX
easat-2718	82	16	apply	apply	VERB
easat-2718	82	17	various	various	ADJ
easat-2718	82	18	tools	tool	NOUN
easat-2718	82	19	or	or	CCONJ
easat-2718	82	20	techniques	technique	NOUN
easat-2718	82	21	to	to	PART
easat-2718	82	22	measure	measure	VERB
easat-2718	82	23	and	and	CCONJ
easat-2718	82	24	assess	assess	VERB
easat-2718	82	25	irrbb	irrbb	NOUN
easat-2718	82	26	.	.	PUNCT
easat-2718	83	1	fiori	fiori	NOUN
easat-2718	83	2	and	and	CCONJ
easat-2718	83	3	iannotti	iannotti	PROPN
easat-2718	83	4	(	(	PUNCT
easat-2718	83	5	2006	2006	NUM
easat-2718	83	6	)	)	PUNCT
easat-2718	83	7	conducted	conduct	VERB
easat-2718	83	8	a	a	DET
easat-2718	83	9	stress	stress	NOUN
easat-2718	83	10	test	test	NOUN
easat-2718	83	11	of	of	ADP
easat-2718	83	12	interest	interest	NOUN
easat-2718	83	13	rate	rate	NOUN
easat-2718	83	14	risk	risk	NOUN
easat-2718	83	15	for	for	ADP
easat-2718	83	16	italian	italian	ADJ
easat-2718	83	17	banks	bank	NOUN
easat-2718	83	18	using	use	VERB
easat-2718	83	19	monte	monte	PROPN
easat-2718	83	20	carlo	carlo	PROPN
easat-2718	83	21	simulation	simulation	PROPN
easat-2718	83	22	and	and	CCONJ
easat-2718	83	23	the	the	DET
easat-2718	83	24	principal	principal	ADJ
easat-2718	83	25	component	component	NOUN
easat-2718	83	26	var	var	PROPN
easat-2718	83	27	model	model	PROPN
easat-2718	83	28	.	.	PUNCT
easat-2718	84	1	esposito	esposito	PROPN
easat-2718	84	2	et	et	PROPN
easat-2718	84	3	al	al	PROPN
easat-2718	84	4	.	.	PROPN
easat-2718	85	1	(	(	PUNCT
easat-2718	85	2	2013	2013	NUM
easat-2718	85	3	)	)	PUNCT
easat-2718	85	4	applied	apply	VERB
easat-2718	85	5	the	the	DET
easat-2718	85	6	duration	duration	NOUN
easat-2718	85	7	gap	gap	NOUN
easat-2718	85	8	approach	approach	NOUN
easat-2718	85	9	to	to	ADP
easat-2718	85	10	68	68	NUM
easat-2718	85	11	italian	italian	ADJ
easat-2718	85	12	intermediaries	intermediary	NOUN
easat-2718	85	13	to	to	PART
easat-2718	85	14	measure	measure	VERB
easat-2718	85	15	interest	interest	NOUN
easat-2718	85	16	rate	rate	NOUN
easat-2718	85	17	risk	risk	NOUN
easat-2718	85	18	in	in	ADP
easat-2718	85	19	banks	bank	NOUN
easat-2718	85	20	.	.	PUNCT
easat-2718	86	1	zigiene	zigiene	NOUN
easat-2718	86	2	and	and	CCONJ
easat-2718	86	3	valukonis	valukoni	NOUN
easat-2718	86	4	(	(	PUNCT
easat-2718	86	5	2022	2022	NUM
easat-2718	86	6	)	)	PUNCT
easat-2718	86	7	applied	apply	VERB
easat-2718	86	8	earningsbased	earningsbased	ADJ
easat-2718	86	9	gap	gap	NOUN
easat-2718	86	10	analysis	analysis	NOUN
easat-2718	86	11	under	under	ADP
easat-2718	86	12	unconditional	unconditional	ADJ
easat-2718	86	13	cash	cash	NOUN
easat-2718	86	14	flow	flow	NOUN
easat-2718	86	15	and	and	CCONJ
easat-2718	86	16	tested	test	VERB
easat-2718	86	17	for	for	ADP
easat-2718	86	18	the	the	DET
easat-2718	86	19	small	small	ADJ
easat-2718	86	20	domestic	domestic	ADJ
easat-2718	86	21	bank	bank	NOUN
easat-2718	86	22	from	from	ADP
easat-2718	86	23	the	the	DET
easat-2718	86	24	baltics	baltics	PROPN
easat-2718	86	25	.	.	PUNCT
easat-2718	87	1	curcio	curcio	PROPN
easat-2718	87	2	et	et	PROPN
easat-2718	87	3	al	al	PROPN
easat-2718	87	4	.	.	PROPN
easat-2718	87	5	(	(	PUNCT
easat-2718	87	6	2022	2022	NUM
easat-2718	87	7	)	)	PUNCT
easat-2718	87	8	analyzed	analyze	VERB
easat-2718	87	9	a	a	DET
easat-2718	87	10	supervisory	supervisory	ADJ
easat-2718	87	11	outlier	outlier	NOUN
easat-2718	87	12	test	test	NOUN
easat-2718	87	13	for	for	ADP
easat-2718	87	14	net	net	ADJ
easat-2718	87	15	interest	interest	NOUN
easat-2718	87	16	income	income	NOUN
easat-2718	87	17	for	for	ADP
easat-2718	87	18	28	28	NUM
easat-2718	87	19	italian	italian	ADJ
easat-2718	87	20	commercial	commercial	ADJ
easat-2718	87	21	banks	bank	NOUN
easat-2718	87	22	and	and	CCONJ
easat-2718	87	23	suggested	suggest	VERB
easat-2718	87	24	calibrating	calibrate	VERB
easat-2718	87	25	the	the	DET
easat-2718	87	26	thresholds	threshold	NOUN
easat-2718	87	27	.	.	PUNCT
easat-2718	88	1	clauben	clauben	NOUN
easat-2718	88	2	and	and	CCONJ
easat-2718	88	3	platte	platte	PROPN
easat-2718	88	4	(	(	PUNCT
easat-2718	88	5	2023	2023	NUM
easat-2718	88	6	)	)	PUNCT
easat-2718	88	7	evaluated	evaluate	VERB
easat-2718	88	8	the	the	DET
easat-2718	88	9	validity	validity	NOUN
easat-2718	88	10	of	of	ADP
easat-2718	88	11	interest	interest	NOUN
easat-2718	88	12	rate	rate	NOUN
easat-2718	88	13	risk	risk	NOUN
easat-2718	88	14	measures	measure	NOUN
easat-2718	88	15	using	use	VERB
easat-2718	88	16	a	a	DET
easat-2718	88	17	simulation	simulation	NOUN
easat-2718	88	18	approach	approach	NOUN
easat-2718	88	19	.	.	PUNCT
easat-2718	89	1	they	they	PRON
easat-2718	89	2	concluded	conclude	VERB
easat-2718	89	3	that	that	SCONJ
easat-2718	89	4	eve	eve	NOUN
easat-2718	89	5	and	and	CCONJ
easat-2718	89	6	niii	niii	NOUN
easat-2718	89	7	are	be	AUX
easat-2718	89	8	significant	significant	ADJ
easat-2718	89	9	inherent	inherent	ADJ
easat-2718	89	10	interest	interest	NOUN
easat-2718	89	11	rates	rate	NOUN
easat-2718	89	12	and	and	CCONJ
easat-2718	89	13	that	that	DET
easat-2718	89	14	eve	eve	NOUN
easat-2718	89	15	is	be	AUX
easat-2718	89	16	a	a	DET
easat-2718	89	17	robust	robust	ADJ
easat-2718	89	18	and	and	CCONJ
easat-2718	89	19	conclusive	conclusive	ADJ
easat-2718	89	20	risk	risk	NOUN
easat-2718	89	21	measure	measure	NOUN
easat-2718	89	22	.	.	PUNCT
easat-2718	90	1	endri	endri	VERB
easat-2718	90	2	et	et	PROPN
easat-2718	90	3	al	al	PROPN
easat-2718	90	4	.	.	PROPN
easat-2718	90	5	(	(	PUNCT
easat-2718	90	6	2020	2020	NUM
easat-2718	90	7	)	)	PUNCT
easat-2718	90	8	evaluated	evaluate	VERB
easat-2718	90	9	the	the	DET
easat-2718	90	10	macro	macro	NOUN
easat-2718	90	11	and	and	CCONJ
easat-2718	90	12	micro	micro	ADJ
easat-2718	90	13	factors	factor	NOUN
easat-2718	90	14	on	on	ADP
easat-2718	90	15	the	the	DET
easat-2718	90	16	net	net	ADJ
easat-2718	90	17	interest	interest	NOUN
easat-2718	90	18	margin	margin	NOUN
easat-2718	90	19	of	of	ADP
easat-2718	90	20	commercial	commercial	ADJ
easat-2718	90	21	banks	bank	NOUN
easat-2718	90	22	in	in	ADP
easat-2718	90	23	indonesia	indonesia	PROPN
easat-2718	90	24	.	.	PUNCT
easat-2718	91	1	supervisors	supervisor	NOUN
easat-2718	91	2	and	and	CCONJ
easat-2718	91	3	financial	financial	ADJ
easat-2718	91	4	institutions	institution	NOUN
easat-2718	91	5	commonly	commonly	ADV
easat-2718	91	6	use	use	VERB
easat-2718	91	7	stress	stress	NOUN
easat-2718	91	8	testing	testing	NOUN
easat-2718	91	9	to	to	PART
easat-2718	91	10	evaluate	evaluate	VERB
easat-2718	91	11	the	the	DET
easat-2718	91	12	impact	impact	NOUN
easat-2718	91	13	of	of	ADP
easat-2718	91	14	interest	interest	NOUN
easat-2718	91	15	rate	rate	NOUN
easat-2718	91	16	scenarios	scenario	NOUN
easat-2718	91	17	on	on	ADP
easat-2718	91	18	commercial	commercial	ADJ
easat-2718	91	19	banks	bank	NOUN
easat-2718	91	20	.	.	PUNCT
easat-2718	92	1	the	the	DET
easat-2718	92	2	irrbb	irrbb	PROPN
easat-2718	92	3	stress	stress	NOUN
easat-2718	92	4	test	test	NOUN
easat-2718	92	5	,	,	PUNCT
easat-2718	92	6	therefore	therefore	ADV
easat-2718	92	7	,	,	PUNCT
easat-2718	92	8	is	be	AUX
easat-2718	92	9	applied	apply	VERB
easat-2718	92	10	to	to	PART
easat-2718	92	11	evaluate	evaluate	VERB
easat-2718	92	12	the	the	DET
easat-2718	92	13	impact	impact	NOUN
easat-2718	92	14	of	of	ADP
easat-2718	92	15	interest	interest	NOUN
easat-2718	92	16	rate	rate	NOUN
easat-2718	92	17	scenarios	scenario	NOUN
easat-2718	92	18	on	on	ADP
easat-2718	92	19	commercial	commercial	ADJ
easat-2718	92	20	banks	bank	NOUN
easat-2718	92	21	in	in	ADP
easat-2718	92	22	terms	term	NOUN
easat-2718	92	23	of	of	ADP
easat-2718	92	24	nii	nii	PROPN
easat-2718	92	25	and	and	CCONJ
easat-2718	92	26	eve	eve	NOUN
easat-2718	92	27	.	.	PUNCT
easat-2718	93	1	nguyen	nguyen	PROPN
easat-2718	93	2	et	et	PROPN
easat-2718	93	3	al	al	PROPN
easat-2718	93	4	.	.	PROPN
easat-2718	94	1	(	(	PUNCT
easat-2718	94	2	2017	2017	NUM
easat-2718	94	3	,	,	PUNCT
easat-2718	94	4	2019	2019	NUM
easat-2718	94	5	)	)	PUNCT
easat-2718	94	6	investigate	investigate	VERB
easat-2718	94	7	the	the	DET
easat-2718	94	8	interest	interest	NOUN
easat-2718	94	9	rate	rate	NOUN
easat-2718	94	10	pass	pass	NOUN
easat-2718	94	11	-	-	PUNCT
easat-2718	94	12	through	through	NOUN
easat-2718	94	13	from	from	ADP
easat-2718	94	14	the	the	DET
easat-2718	94	15	monetary	monetary	ADJ
easat-2718	94	16	policy	policy	NOUN
easat-2718	94	17	rate	rate	NOUN
easat-2718	94	18	to	to	ADP
easat-2718	94	19	the	the	DET
easat-2718	94	20	market	market	NOUN
easat-2718	94	21	rate	rate	NOUN
easat-2718	94	22	.	.	PUNCT
easat-2718	95	1	commercial	commercial	ADJ
easat-2718	95	2	banks	bank	NOUN
easat-2718	95	3	must	must	AUX
easat-2718	95	4	calculate	calculate	VERB
easat-2718	95	5	the	the	DET
easat-2718	95	6	amount	amount	NOUN
easat-2718	95	7	of	of	ADP
easat-2718	95	8	capital	capital	NOUN
easat-2718	95	9	shortage	shortage	NOUN
easat-2718	95	10	or	or	CCONJ
easat-2718	95	11	capital	capital	NOUN
easat-2718	95	12	requirement	requirement	NOUN
easat-2718	95	13	for	for	ADP
easat-2718	95	14	irrbb	irrbb	NOUN
easat-2718	95	15	based	base	VERB
easat-2718	95	16	on	on	ADP
easat-2718	95	17	the	the	DET
easat-2718	95	18	most	most	ADV
easat-2718	95	19	adverse	adverse	ADJ
easat-2718	95	20	scenario	scenario	NOUN
easat-2718	95	21	.	.	PUNCT
easat-2718	96	1	the	the	DET
easat-2718	96	2	efficiency	efficiency	NOUN
easat-2718	96	3	of	of	ADP
easat-2718	96	4	the	the	DET
easat-2718	96	5	irrbb	irrbb	NOUN
easat-2718	96	6	stress	stress	NOUN
easat-2718	96	7	test	test	NOUN
easat-2718	96	8	depends	depend	VERB
easat-2718	96	9	directly	directly	ADV
easat-2718	96	10	on	on	ADP
easat-2718	96	11	the	the	DET
easat-2718	96	12	scenarios	scenario	NOUN
easat-2718	96	13	built	build	VERB
easat-2718	96	14	(	(	PUNCT
easat-2718	96	15	abdymomunov	abdymomunov	PROPN
easat-2718	96	16	&	&	CCONJ
easat-2718	96	17	gerlach	gerlach	PROPN
easat-2718	96	18	,	,	PUNCT
easat-2718	96	19	2014	2014	NUM
easat-2718	96	20	)	)	PUNCT
easat-2718	96	21	.	.	PUNCT
easat-2718	97	1	bcbs	bcbs	PROPN
easat-2718	97	2	(	(	PUNCT
easat-2718	97	3	2014	2014	NUM
easat-2718	97	4	)	)	PUNCT
easat-2718	97	5	suggests	suggest	VERB
easat-2718	97	6	six	six	NUM
easat-2718	97	7	alternative	alternative	ADJ
easat-2718	97	8	methods	method	NOUN
easat-2718	97	9	to	to	PART
easat-2718	97	10	make	make	VERB
easat-2718	97	11	interest	interest	NOUN
easat-2718	97	12	rate	rate	NOUN
easat-2718	97	13	risk	risk	NOUN
easat-2718	97	14	scenarios	scenario	NOUN
easat-2718	97	15	:	:	PUNCT
easat-2718	97	16	parallel	parallel	ADJ
easat-2718	97	17	shock	shock	NOUN
easat-2718	97	18	up	up	ADP
easat-2718	97	19	,	,	PUNCT
easat-2718	97	20	parallel	parallel	ADJ
easat-2718	97	21	shock	shock	NOUN
easat-2718	97	22	down	down	ADP
easat-2718	97	23	,	,	PUNCT
easat-2718	97	24	steeper	steep	ADJ
easat-2718	97	25	shock	shock	NOUN
easat-2718	97	26	,	,	PUNCT
easat-2718	97	27	flattener	flattener	NOUN
easat-2718	97	28	shock	shock	NOUN
easat-2718	97	29	,	,	PUNCT
easat-2718	97	30	short	short	ADJ
easat-2718	97	31	rates	rate	NOUN
easat-2718	97	32	shock	shock	VERB
easat-2718	97	33	up	up	ADP
easat-2718	97	34	,	,	PUNCT
easat-2718	97	35	and	and	CCONJ
easat-2718	97	36	short	short	ADJ
easat-2718	97	37	rates	rate	NOUN
easat-2718	97	38	shock	shock	VERB
easat-2718	97	39	down	down	ADP
easat-2718	97	40	.	.	PUNCT
easat-2718	98	1	memmel	memmel	PROPN
easat-2718	98	2	(	(	PUNCT
easat-2718	98	3	2008	2008	NUM
easat-2718	98	4	)	)	PUNCT
easat-2718	98	5	built	build	VERB
easat-2718	98	6	and	and	CCONJ
easat-2718	98	7	evaluated	evaluate	VERB
easat-2718	98	8	260	260	NUM
easat-2718	98	9	historical	historical	ADJ
easat-2718	98	10	interest	interest	NOUN
easat-2718	98	11	rate	rate	NOUN
easat-2718	98	12	shocks	shock	VERB
easat-2718	98	13	3365	3365	NUM
easat-2718	98	14	edelweiss	edelweiss	PROPN
easat-2718	98	15	applied	apply	VERB
easat-2718	98	16	science	science	NOUN
easat-2718	98	17	and	and	CCONJ
easat-2718	98	18	technology	technology	NOUN
easat-2718	98	19	issn	issn	PROPN
easat-2718	98	20	:	:	PUNCT
easat-2718	98	21	2576	2576	NUM
easat-2718	98	22	-	-	SYM
easat-2718	98	23	8484	8484	NUM
easat-2718	98	24	vol	vol	NOUN
easat-2718	98	25	.	.	PROPN
easat-2718	98	26	8	8	NUM
easat-2718	98	27	,	,	PUNCT
easat-2718	98	28	no	no	INTJ
easat-2718	98	29	.	.	NOUN
easat-2718	99	1	6	6	NUM
easat-2718	99	2	:	:	PUNCT
easat-2718	99	3	3361	3361	NUM
easat-2718	99	4	-	-	SYM
easat-2718	99	5	3380	3380	NUM
easat-2718	99	6	,	,	PUNCT
easat-2718	99	7	2024	2024	NUM
easat-2718	99	8	doi	doi	NOUN
easat-2718	99	9	:	:	PUNCT
easat-2718	99	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	99	11	©	©	PROPN
easat-2718	99	12	2024	2024	NUM
easat-2718	99	13	by	by	ADP
easat-2718	99	14	the	the	DET
easat-2718	99	15	authors	author	NOUN
easat-2718	99	16	;	;	PUNCT
easat-2718	99	17	licensee	licensee	PROPN
easat-2718	99	18	learning	learn	VERB
easat-2718	99	19	gate	gate	NOUN
easat-2718	99	20	on	on	ADP
easat-2718	99	21	the	the	DET
easat-2718	99	22	interest	interest	NOUN
easat-2718	99	23	income	income	NOUN
easat-2718	99	24	of	of	ADP
easat-2718	99	25	banks	bank	NOUN
easat-2718	99	26	of	of	ADP
easat-2718	99	27	german	german	ADJ
easat-2718	99	28	savings	saving	NOUN
easat-2718	99	29	banks	bank	NOUN
easat-2718	99	30	and	and	CCONJ
easat-2718	99	31	cooperative	cooperative	ADJ
easat-2718	99	32	banks	bank	NOUN
easat-2718	99	33	.	.	PUNCT
easat-2718	100	1	in	in	ADP
easat-2718	100	2	addition	addition	NOUN
easat-2718	100	3	,	,	PUNCT
easat-2718	100	4	to	to	PART
easat-2718	100	5	conduct	conduct	VERB
easat-2718	100	6	an	an	DET
easat-2718	100	7	irrbb	irrbb	NOUN
easat-2718	100	8	stress	stress	NOUN
easat-2718	100	9	test	test	NOUN
easat-2718	100	10	on	on	ADP
easat-2718	100	11	a	a	DET
easat-2718	100	12	sample	sample	NOUN
easat-2718	100	13	of	of	ADP
easat-2718	100	14	large	large	ADJ
easat-2718	100	15	united	united	PROPN
easat-2718	100	16	states	states	PROPN
easat-2718	100	17	banks	bank	NOUN
easat-2718	100	18	,	,	PUNCT
easat-2718	100	19	abymomuvov	abymomuvov	PROPN
easat-2718	100	20	and	and	CCONJ
easat-2718	100	21	gerlach	gerlach	PROPN
easat-2718	100	22	(	(	PUNCT
easat-2718	100	23	2014	2014	NUM
easat-2718	100	24	)	)	PUNCT
easat-2718	100	25	proposed	propose	VERB
easat-2718	100	26	a	a	DET
easat-2718	100	27	new	new	ADJ
easat-2718	100	28	methodology	methodology	NOUN
easat-2718	100	29	for	for	ADP
easat-2718	100	30	constructing	construct	VERB
easat-2718	100	31	yield	yield	NOUN
easat-2718	100	32	-	-	PUNCT
easat-2718	100	33	curve	curve	NOUN
easat-2718	100	34	scenarios	scenario	NOUN
easat-2718	100	35	encompassing	encompass	VERB
easat-2718	100	36	a	a	DET
easat-2718	100	37	diverse	diverse	ADJ
easat-2718	100	38	range	range	NOUN
easat-2718	100	39	of	of	ADP
easat-2718	100	40	slopes	slope	NOUN
easat-2718	100	41	and	and	CCONJ
easat-2718	100	42	shapes	shape	NOUN
easat-2718	100	43	.	.	PUNCT
easat-2718	101	1	drager	drager	NOUN
easat-2718	101	2	et	et	PROPN
easat-2718	101	3	al	al	PROPN
easat-2718	101	4	.	.	PROPN
easat-2718	102	1	(	(	PUNCT
easat-2718	102	2	2021	2021	NUM
easat-2718	102	3	)	)	PUNCT
easat-2718	102	4	analyze	analyze	VERB
easat-2718	102	5	the	the	DET
easat-2718	102	6	effect	effect	NOUN
easat-2718	102	7	of	of	ADP
easat-2718	102	8	a	a	DET
easat-2718	102	9	200	200	NUM
easat-2718	102	10	basis	basis	NOUN
easat-2718	102	11	points	point	NOUN
easat-2718	102	12	increase	increase	NOUN
easat-2718	102	13	in	in	ADP
easat-2718	102	14	the	the	DET
easat-2718	102	15	interest	interest	NOUN
easat-2718	102	16	level	level	NOUN
easat-2718	102	17	on	on	ADP
easat-2718	102	18	the	the	DET
easat-2718	102	19	bank	bank	NOUN
easat-2718	102	20	's	's	PART
easat-2718	102	21	bond	bond	NOUN
easat-2718	102	22	portfolio	portfolio	NOUN
easat-2718	102	23	and	and	CCONJ
easat-2718	102	24	net	net	ADJ
easat-2718	102	25	income	income	NOUN
easat-2718	102	26	for	for	ADP
easat-2718	102	27	small	small	ADJ
easat-2718	102	28	and	and	CCONJ
easat-2718	102	29	medium	medium	ADJ
easat-2718	102	30	-	-	PUNCT
easat-2718	102	31	sized	sized	ADJ
easat-2718	102	32	german	german	ADJ
easat-2718	102	33	banks	bank	NOUN
easat-2718	102	34	.	.	PUNCT
easat-2718	103	1	although	although	SCONJ
easat-2718	103	2	some	some	DET
easat-2718	103	3	studies	study	NOUN
easat-2718	103	4	on	on	ADP
easat-2718	103	5	irrbb	irrbb	PROPN
easat-2718	103	6	management	management	NOUN
easat-2718	103	7	in	in	ADP
easat-2718	103	8	banks	bank	NOUN
easat-2718	103	9	exist	exist	VERB
easat-2718	103	10	,	,	PUNCT
easat-2718	103	11	most	most	ADJ
easat-2718	103	12	focus	focus	VERB
easat-2718	103	13	on	on	ADP
easat-2718	103	14	general	general	ADJ
easat-2718	103	15	guidelines	guideline	NOUN
easat-2718	103	16	(	(	PUNCT
easat-2718	103	17	bcbs	bcb	NOUN
easat-2718	103	18	,	,	PUNCT
easat-2718	103	19	2004	2004	NUM
easat-2718	103	20	;	;	PUNCT
easat-2718	103	21	bcbs	bcb	NOUN
easat-2718	103	22	,	,	PUNCT
easat-2718	103	23	2016	2016	NUM
easat-2718	103	24	;	;	PUNCT
easat-2718	103	25	bis	bis	X
easat-2718	103	26	,	,	PUNCT
easat-2718	103	27	2005	2005	NUM
easat-2718	103	28	;	;	PUNCT
easat-2718	103	29	eba	eba	NOUN
easat-2718	103	30	,	,	PUNCT
easat-2718	103	31	2018	2018	NUM
easat-2718	103	32	)	)	PUNCT
easat-2718	103	33	or	or	CCONJ
easat-2718	103	34	specific	specific	ADJ
easat-2718	103	35	aspects	aspect	NOUN
easat-2718	103	36	of	of	ADP
easat-2718	103	37	the	the	DET
easat-2718	103	38	irrbb	irrbb	NOUN
easat-2718	103	39	process	process	NOUN
easat-2718	103	40	,	,	PUNCT
easat-2718	103	41	such	such	ADJ
easat-2718	103	42	as	as	ADP
easat-2718	103	43	irrbb	irrbb	PROPN
easat-2718	103	44	measurement	measurement	NOUN
easat-2718	103	45	(	(	PUNCT
easat-2718	103	46	sharma	sharma	PROPN
easat-2718	103	47	,	,	PUNCT
easat-2718	103	48	m.	m.	NOUN
easat-2718	103	49	2012	2012	NUM
easat-2718	103	50	;	;	PUNCT
easat-2718	103	51	ozdemir	ozdemir	PROPN
easat-2718	103	52	&	&	CCONJ
easat-2718	103	53	sudarsana	sudarsana	PROPN
easat-2718	103	54	,	,	PUNCT
easat-2718	103	55	2016	2016	NUM
easat-2718	103	56	;	;	PUNCT
easat-2718	103	57	zijderveld	zijderveld	NOUN
easat-2718	103	58	,	,	PUNCT
easat-2718	103	59	2017	2017	NUM
easat-2718	103	60	;	;	PUNCT
easat-2718	103	61	wycisk	wycisk	NOUN
easat-2718	103	62	&	&	CCONJ
easat-2718	103	63	blijlevens	blijleven	NOUN
easat-2718	103	64	,	,	PUNCT
easat-2718	103	65	2018	2018	NUM
easat-2718	103	66	)	)	PUNCT
easat-2718	103	67	;	;	PUNCT
easat-2718	103	68	stress	stress	NOUN
easat-2718	103	69	test	test	NOUN
easat-2718	103	70	for	for	ADP
easat-2718	103	71	irrbb	irrbb	PROPN
easat-2718	103	72	(	(	PUNCT
easat-2718	103	73	clauben	clauben	NOUN
easat-2718	103	74	and	and	CCONJ
easat-2718	103	75	platte	platte	NOUN
easat-2718	103	76	,	,	PUNCT
easat-2718	103	77	2023	2023	NUM
easat-2718	103	78	;	;	PUNCT
easat-2718	103	79	curcio	curcio	PROPN
easat-2718	103	80	et	et	PROPN
easat-2718	103	81	al	al	PROPN
easat-2718	103	82	.	.	PROPN
easat-2718	103	83	,	,	PUNCT
easat-2718	103	84	2022	2022	NUM
easat-2718	103	85	;	;	PUNCT
easat-2718	103	86	endri	endri	NOUN
easat-2718	103	87	et	et	PROPN
easat-2718	103	88	al	al	PROPN
easat-2718	103	89	.	.	PROPN
easat-2718	103	90	,	,	PUNCT
easat-2718	103	91	2020	2020	NUM
easat-2718	103	92	;	;	PUNCT
easat-2718	103	93	esposito	esposito	PROPN
easat-2718	103	94	et	et	PROPN
easat-2718	103	95	al	al	PROPN
easat-2718	103	96	.	.	PROPN
easat-2718	103	97	,	,	PUNCT
easat-2718	103	98	2013	2013	NUM
easat-2718	103	99	;	;	PUNCT
easat-2718	103	100	fiori	fiori	NOUN
easat-2718	103	101	and	and	CCONJ
easat-2718	103	102	iannotti	iannotti	PROPN
easat-2718	103	103	,	,	PUNCT
easat-2718	103	104	2006	2006	NUM
easat-2718	103	105	;	;	PUNCT
easat-2718	103	106	žigienė	žigienė	PROPN
easat-2718	103	107	and	and	CCONJ
easat-2718	103	108	valukonis	valukoni	NOUN
easat-2718	103	109	,	,	PUNCT
easat-2718	103	110	2022	2022	NUM
easat-2718	103	111	)	)	PUNCT
easat-2718	103	112	rather	rather	ADV
easat-2718	103	113	than	than	ADP
easat-2718	103	114	providing	provide	VERB
easat-2718	103	115	a	a	DET
easat-2718	103	116	comprehensive	comprehensive	ADJ
easat-2718	103	117	analysis	analysis	NOUN
easat-2718	103	118	of	of	ADP
easat-2718	103	119	the	the	DET
easat-2718	103	120	entire	entire	ADJ
easat-2718	103	121	irrbb	irrbb	NOUN
easat-2718	103	122	management	management	NOUN
easat-2718	103	123	process	process	NOUN
easat-2718	103	124	.	.	PUNCT
easat-2718	104	1	the	the	DET
easat-2718	104	2	scientific	scientific	ADJ
easat-2718	104	3	literature	literature	NOUN
easat-2718	104	4	on	on	ADP
easat-2718	104	5	irrbb	irrbb	PROPN
easat-2718	104	6	management	management	NOUN
easat-2718	104	7	,	,	PUNCT
easat-2718	104	8	particularly	particularly	ADV
easat-2718	104	9	regarding	regard	VERB
easat-2718	104	10	the	the	DET
easat-2718	104	11	whole	whole	ADJ
easat-2718	104	12	irrbb	irrbb	NOUN
easat-2718	104	13	management	management	NOUN
easat-2718	104	14	process	process	NOUN
easat-2718	104	15	to	to	PART
easat-2718	104	16	calculate	calculate	VERB
easat-2718	104	17	economic	economic	ADJ
easat-2718	104	18	capital	capital	NOUN
easat-2718	104	19	for	for	ADP
easat-2718	104	20	irrbb	irrbb	NOUN
easat-2718	104	21	,	,	PUNCT
easat-2718	104	22	remains	remain	VERB
easat-2718	104	23	limited	limited	ADJ
easat-2718	104	24	.	.	PUNCT
easat-2718	105	1	in	in	ADP
easat-2718	105	2	addition	addition	NOUN
easat-2718	105	3	,	,	PUNCT
easat-2718	105	4	there	there	PRON
easat-2718	105	5	has	have	VERB
easat-2718	105	6	yet	yet	ADV
easat-2718	105	7	to	to	PART
easat-2718	105	8	be	be	AUX
easat-2718	105	9	any	any	DET
easat-2718	105	10	study	study	NOUN
easat-2718	105	11	on	on	ADP
easat-2718	105	12	the	the	DET
easat-2718	105	13	current	current	ADJ
easat-2718	105	14	state	state	NOUN
easat-2718	105	15	of	of	ADP
easat-2718	105	16	irrbb	irrbb	PROPN
easat-2718	105	17	management	management	NOUN
easat-2718	105	18	in	in	ADP
easat-2718	105	19	vietnamese	vietnamese	ADJ
easat-2718	105	20	commercial	commercial	ADJ
easat-2718	105	21	banks	bank	NOUN
easat-2718	105	22	.	.	PUNCT
easat-2718	106	1	therefore	therefore	ADV
easat-2718	106	2	,	,	PUNCT
easat-2718	106	3	this	this	DET
easat-2718	106	4	paper	paper	NOUN
easat-2718	106	5	would	would	AUX
easat-2718	106	6	provide	provide	VERB
easat-2718	106	7	a	a	DET
easat-2718	106	8	significant	significant	ADJ
easat-2718	106	9	contribution	contribution	NOUN
easat-2718	106	10	to	to	ADP
easat-2718	106	11	the	the	DET
easat-2718	106	12	subject	subject	NOUN
easat-2718	106	13	.	.	PUNCT
easat-2718	107	1	3	3	X
easat-2718	107	2	.	.	X
easat-2718	107	3	methodology	methodology	NOUN
easat-2718	107	4	to	to	PART
easat-2718	107	5	assess	assess	VERB
easat-2718	107	6	the	the	DET
easat-2718	107	7	current	current	ADJ
easat-2718	107	8	management	management	NOUN
easat-2718	107	9	situation	situation	NOUN
easat-2718	107	10	of	of	ADP
easat-2718	107	11	irrbb	irrbb	NOUN
easat-2718	107	12	at	at	ADP
easat-2718	107	13	21	21	NUM
easat-2718	107	14	commercial	commercial	ADJ
easat-2718	107	15	banks	bank	NOUN
easat-2718	107	16	in	in	ADP
easat-2718	107	17	vietnam	vietnam	PROPN
easat-2718	107	18	by	by	ADP
easat-2718	107	19	doing	do	VERB
easat-2718	107	20	in	in	ADP
easat-2718	107	21	-	-	PUNCT
easat-2718	107	22	depth	depth	NOUN
easat-2718	107	23	interviews	interview	NOUN
easat-2718	107	24	and	and	CCONJ
easat-2718	107	25	questionnaires	questionnaire	NOUN
easat-2718	107	26	.	.	PUNCT
easat-2718	108	1	this	this	DET
easat-2718	108	2	study	study	NOUN
easat-2718	108	3	collected	collect	VERB
easat-2718	108	4	data	datum	NOUN
easat-2718	108	5	from	from	ADP
easat-2718	108	6	a	a	DET
easat-2718	108	7	questionnaire	questionnaire	NOUN
easat-2718	108	8	sent	send	VERB
easat-2718	108	9	directly	directly	ADV
easat-2718	108	10	to	to	ADP
easat-2718	108	11	bank	bank	NOUN
easat-2718	108	12	staff	staff	NOUN
easat-2718	108	13	working	work	VERB
easat-2718	108	14	at	at	ADP
easat-2718	108	15	basel	basel	PROPN
easat-2718	108	16	departments	departments	PROPN
easat-2718	108	17	,	,	PUNCT
easat-2718	108	18	risk	risk	NOUN
easat-2718	108	19	management	management	NOUN
easat-2718	108	20	department	department	NOUN
easat-2718	108	21	,	,	PUNCT
easat-2718	108	22	treasury	treasury	PROPN
easat-2718	108	23	department	department	NOUN
easat-2718	108	24	,	,	PUNCT
easat-2718	108	25	and	and	CCONJ
easat-2718	108	26	market	market	NOUN
easat-2718	108	27	risk	risk	NOUN
easat-2718	108	28	management	management	NOUN
easat-2718	108	29	department	department	NOUN
easat-2718	108	30	of	of	ADP
easat-2718	108	31	21	21	NUM
easat-2718	108	32	vietnamese	vietnamese	ADJ
easat-2718	108	33	commercial	commercial	ADJ
easat-2718	108	34	banks	bank	NOUN
easat-2718	108	35	.	.	PUNCT
easat-2718	109	1	the	the	DET
easat-2718	109	2	banks	bank	NOUN
easat-2718	109	3	selected	select	VERB
easat-2718	109	4	are	be	AUX
easat-2718	109	5	divided	divide	VERB
easat-2718	109	6	into	into	ADP
easat-2718	109	7	three	three	NUM
easat-2718	109	8	groups	group	NOUN
easat-2718	109	9	as	as	SCONJ
easat-2718	109	10	follows	follow	VERB
easat-2718	109	11	:	:	PUNCT
easat-2718	109	12	group	group	NOUN
easat-2718	109	13	1	1	NUM
easat-2718	109	14	:	:	PUNCT
easat-2718	109	15	includes	include	VERB
easat-2718	109	16	a	a	DET
easat-2718	109	17	group	group	NOUN
easat-2718	109	18	of	of	ADP
easat-2718	109	19	09	09	NUM
easat-2718	109	20	banks	bank	NOUN
easat-2718	109	21	selected	select	VERB
easat-2718	109	22	by	by	ADP
easat-2718	109	23	sbv	sbv	PROPN
easat-2718	109	24	to	to	PART
easat-2718	109	25	implement	implement	VERB
easat-2718	109	26	basel	basel	PROPN
easat-2718	109	27	ii	ii	PROPN
easat-2718	109	28	,	,	PUNCT
easat-2718	109	29	including	include	VERB
easat-2718	109	30	bidv	bidv	NOUN
easat-2718	109	31	,	,	PUNCT
easat-2718	109	32	vietinbank	vietinbank	NOUN
easat-2718	109	33	,	,	PUNCT
easat-2718	109	34	vietcombank	vietcombank	NOUN
easat-2718	109	35	,	,	PUNCT
easat-2718	109	36	techcombank	techcombank	NOUN
easat-2718	109	37	,	,	PUNCT
easat-2718	109	38	acb	acb	PROPN
easat-2718	109	39	,	,	PUNCT
easat-2718	109	40	vpbank	vpbank	ADJ
easat-2718	109	41	,	,	PUNCT
easat-2718	109	42	mb	mb	ADP
easat-2718	109	43	,	,	PUNCT
easat-2718	109	44	maritime	maritime	ADJ
easat-2718	109	45	bank	bank	NOUN
easat-2718	109	46	,	,	PUNCT
easat-2718	109	47	and	and	CCONJ
easat-2718	110	1	vib	vib	PROPN
easat-2718	110	2	.	.	PUNCT
easat-2718	110	3	group	group	NOUN
easat-2718	110	4	2	2	NUM
easat-2718	110	5	:	:	PUNCT
easat-2718	110	6	the	the	DET
easat-2718	110	7	remaining	remain	VERB
easat-2718	110	8	vietnamese	vietnamese	ADJ
easat-2718	110	9	commercial	commercial	ADJ
easat-2718	110	10	banks	bank	NOUN
easat-2718	110	11	are	be	AUX
easat-2718	110	12	not	not	PART
easat-2718	110	13	in	in	ADP
easat-2718	110	14	group	group	NOUN
easat-2718	110	15	1	1	NUM
easat-2718	110	16	.	.	PUNCT
easat-2718	110	17	group	group	NOUN
easat-2718	110	18	3	3	NUM
easat-2718	110	19	:	:	PUNCT
easat-2718	110	20	some	some	DET
easat-2718	110	21	foreign	foreign	ADJ
easat-2718	110	22	commercial	commercial	ADJ
easat-2718	110	23	banks	bank	NOUN
easat-2718	110	24	operating	operate	VERB
easat-2718	110	25	in	in	ADP
easat-2718	110	26	vietnam	vietnam	PROPN
easat-2718	110	27	.	.	PUNCT
easat-2718	111	1	these	these	PRON
easat-2718	111	2	are	be	AUX
easat-2718	111	3	international	international	ADJ
easat-2718	111	4	commercial	commercial	ADJ
easat-2718	111	5	banks	bank	NOUN
easat-2718	111	6	that	that	PRON
easat-2718	111	7	are	be	AUX
easat-2718	111	8	deployed	deploy	VERB
easat-2718	111	9	in	in	ADP
easat-2718	111	10	basel	basel	PROPN
easat-2718	111	11	ii	ii	PROPN
easat-2718	111	12	.	.	PUNCT
easat-2718	112	1	from	from	ADP
easat-2718	112	2	the	the	DET
easat-2718	112	3	above	above	PROPN
easat-2718	112	4	bank	bank	NOUN
easat-2718	112	5	grouping	grouping	NOUN
easat-2718	112	6	,	,	PUNCT
easat-2718	112	7	35	35	NUM
easat-2718	112	8	questionnaires	questionnaire	NOUN
easat-2718	112	9	were	be	AUX
easat-2718	112	10	sent	send	VERB
easat-2718	112	11	out	out	ADP
easat-2718	112	12	,	,	PUNCT
easat-2718	112	13	and	and	CCONJ
easat-2718	112	14	27	27	NUM
easat-2718	112	15	were	be	AUX
easat-2718	112	16	received	receive	VERB
easat-2718	112	17	,	,	PUNCT
easat-2718	112	18	including	include	VERB
easat-2718	112	19	21	21	NUM
easat-2718	112	20	valid	valid	ADJ
easat-2718	112	21	and	and	CCONJ
easat-2718	112	22	six	six	NUM
easat-2718	112	23	invalid	invalid	ADJ
easat-2718	112	24	votes	vote	NOUN
easat-2718	112	25	.	.	PUNCT
easat-2718	113	1	the	the	DET
easat-2718	113	2	respondents	respondent	NOUN
easat-2718	113	3	surveyed	survey	VERB
easat-2718	113	4	are	be	AUX
easat-2718	113	5	representatives	representative	NOUN
easat-2718	113	6	from	from	ADP
easat-2718	113	7	the	the	DET
easat-2718	113	8	banks	bank	NOUN
easat-2718	113	9	regarding	regard	VERB
easat-2718	113	10	the	the	DET
easat-2718	113	11	management	management	NOUN
easat-2718	113	12	of	of	ADP
easat-2718	113	13	irrbb	irrbb	PROPN
easat-2718	113	14	.	.	PUNCT
easat-2718	114	1	of	of	ADP
easat-2718	114	2	the	the	DET
easat-2718	114	3	21	21	NUM
easat-2718	114	4	valid	valid	ADJ
easat-2718	114	5	responses	response	NOUN
easat-2718	114	6	,	,	PUNCT
easat-2718	114	7	are	be	AUX
easat-2718	114	8	nine	nine	NUM
easat-2718	114	9	from	from	ADP
easat-2718	114	10	group	group	NOUN
easat-2718	114	11	1	1	NUM
easat-2718	114	12	,	,	PUNCT
easat-2718	114	13	10	10	NUM
easat-2718	114	14	from	from	ADP
easat-2718	114	15	group	group	NOUN
easat-2718	114	16	2	2	NUM
easat-2718	114	17	,	,	PUNCT
easat-2718	114	18	and	and	CCONJ
easat-2718	114	19	2	2	NUM
easat-2718	114	20	from	from	ADP
easat-2718	114	21	group	group	NOUN
easat-2718	114	22	3	3	NUM
easat-2718	114	23	.	.	PUNCT
easat-2718	115	1	the	the	DET
easat-2718	115	2	questionnaire	questionnaire	NOUN
easat-2718	115	3	consists	consist	VERB
easat-2718	115	4	of	of	ADP
easat-2718	115	5	14	14	NUM
easat-2718	115	6	questions	question	NOUN
easat-2718	115	7	,	,	PUNCT
easat-2718	115	8	which	which	PRON
easat-2718	115	9	focus	focus	VERB
easat-2718	115	10	on	on	ADP
easat-2718	115	11	assessing	assess	VERB
easat-2718	115	12	the	the	DET
easat-2718	115	13	implementation	implementation	NOUN
easat-2718	115	14	of	of	ADP
easat-2718	115	15	irrbb	irrbb	PROPN
easat-2718	115	16	management	management	NOUN
easat-2718	115	17	in	in	ADP
easat-2718	115	18	vietnamese	vietnamese	ADJ
easat-2718	115	19	commercial	commercial	ADJ
easat-2718	115	20	banks	bank	NOUN
easat-2718	115	21	.	.	PUNCT
easat-2718	116	1	the	the	DET
easat-2718	116	2	questionnaire	questionnaire	NOUN
easat-2718	116	3	consists	consist	VERB
easat-2718	116	4	of	of	ADP
easat-2718	116	5	open	open	ADJ
easat-2718	116	6	questions	question	NOUN
easat-2718	116	7	and	and	CCONJ
easat-2718	116	8	multiple	multiple	ADJ
easat-2718	116	9	-	-	PUNCT
easat-2718	116	10	choice	choice	NOUN
easat-2718	116	11	questions	question	NOUN
easat-2718	116	12	.	.	PUNCT
easat-2718	117	1	besides	besides	SCONJ
easat-2718	117	2	,	,	PUNCT
easat-2718	117	3	to	to	PART
easat-2718	117	4	measure	measure	VERB
easat-2718	117	5	the	the	DET
easat-2718	117	6	level	level	NOUN
easat-2718	117	7	of	of	ADP
easat-2718	117	8	implementation	implementation	NOUN
easat-2718	117	9	of	of	ADP
easat-2718	117	10	each	each	DET
easat-2718	117	11	step	step	NOUN
easat-2718	117	12	in	in	ADP
easat-2718	117	13	irrbb	irrbb	PROPN
easat-2718	117	14	management	management	NOUN
easat-2718	117	15	,	,	PUNCT
easat-2718	117	16	a	a	DET
easat-2718	117	17	five	five	NUM
easat-2718	117	18	(	(	PUNCT
easat-2718	117	19	5	5	NUM
easat-2718	117	20	)	)	PUNCT
easat-2718	117	21	point	point	NOUN
easat-2718	117	22	likert	likert	ADJ
easat-2718	117	23	scale	scale	NOUN
easat-2718	117	24	is	be	AUX
easat-2718	117	25	built	build	VERB
easat-2718	117	26	that	that	SCONJ
easat-2718	117	27	ranges	range	VERB
easat-2718	117	28	from	from	ADP
easat-2718	117	29	none	none	NOUN
easat-2718	117	30	(	(	PUNCT
easat-2718	117	31	0	0	NUM
easat-2718	117	32	)	)	PUNCT
easat-2718	117	33	to	to	ADP
easat-2718	117	34	full	full	ADJ
easat-2718	117	35	implementation	implementation	NOUN
easat-2718	117	36	(	(	PUNCT
easat-2718	117	37	4	4	NUM
easat-2718	117	38	)	)	PUNCT
easat-2718	117	39	(	(	PUNCT
easat-2718	117	40	as	as	SCONJ
easat-2718	117	41	shown	show	VERB
easat-2718	117	42	in	in	ADP
easat-2718	117	43	the	the	DET
easat-2718	117	44	appendix	appendix	NOUN
easat-2718	117	45	)	)	PUNCT
easat-2718	117	46	.	.	PUNCT
easat-2718	118	1	this	this	DET
easat-2718	118	2	method	method	NOUN
easat-2718	118	3	is	be	AUX
easat-2718	118	4	applied	apply	VERB
easat-2718	118	5	to	to	PART
easat-2718	118	6	assess	assess	VERB
easat-2718	118	7	the	the	DET
easat-2718	118	8	state	state	NOUN
easat-2718	118	9	of	of	ADP
easat-2718	118	10	policy	policy	NOUN
easat-2718	118	11	implementation	implementation	NOUN
easat-2718	118	12	in	in	ADP
easat-2718	118	13	the	the	DET
easat-2718	118	14	banking	banking	NOUN
easat-2718	118	15	sector	sector	NOUN
easat-2718	118	16	,	,	PUNCT
easat-2718	118	17	which	which	PRON
easat-2718	118	18	is	be	AUX
easat-2718	118	19	used	use	VERB
easat-2718	118	20	by	by	ADP
easat-2718	118	21	ecb	ecb	PROPN
easat-2718	118	22	(	(	PUNCT
easat-2718	118	23	2020	2020	NUM
easat-2718	118	24	)	)	PUNCT
easat-2718	118	25	and	and	CCONJ
easat-2718	118	26	nguyen	nguyen	NOUN
easat-2718	118	27	et	et	PROPN
easat-2718	118	28	al	al	PROPN
easat-2718	118	29	.	.	PROPN
easat-2718	119	1	(	(	PUNCT
easat-2718	119	2	2021	2021	NUM
easat-2718	119	3	)	)	PUNCT
easat-2718	119	4	.	.	PUNCT
easat-2718	120	1	the	the	DET
easat-2718	120	2	specific	specific	ADJ
easat-2718	120	3	score	score	NOUN
easat-2718	120	4	scale	scale	NOUN
easat-2718	120	5	is	be	AUX
easat-2718	120	6	as	as	SCONJ
easat-2718	120	7	follows	follow	VERB
easat-2718	120	8	:	:	PUNCT
easat-2718	120	9	•	•	NOUN
easat-2718	120	10	0	0	NUM
easat-2718	120	11	:	:	PUNCT
easat-2718	120	12	none	none	NOUN
easat-2718	120	13	(	(	PUNCT
easat-2718	120	14	0	0	NUM
easat-2718	120	15	%	%	NOUN
easat-2718	120	16	)	)	PUNCT
easat-2718	120	17	;	;	PUNCT
easat-2718	120	18	•	•	NOUN
easat-2718	120	19	1	1	NUM
easat-2718	120	20	:	:	PUNCT
easat-2718	120	21	very	very	ADV
easat-2718	120	22	few	few	ADJ
easat-2718	120	23	(	(	PUNCT
easat-2718	120	24	less	less	ADJ
easat-2718	120	25	than	than	ADP
easat-2718	120	26	10	10	NUM
easat-2718	120	27	%	%	NOUN
easat-2718	120	28	)	)	PUNCT
easat-2718	120	29	;	;	PUNCT
easat-2718	120	30	•	•	NOUN
easat-2718	120	31	2	2	NUM
easat-2718	120	32	:	:	PUNCT
easat-2718	120	33	yes	yes	INTJ
easat-2718	120	34	,	,	PUNCT
easat-2718	120	35	but	but	CCONJ
easat-2718	120	36	still	still	ADV
easat-2718	120	37	limited	limited	ADJ
easat-2718	120	38	/	/	SYM
easat-2718	120	39	inadequate	inadequate	ADJ
easat-2718	120	40	(	(	PUNCT
easat-2718	120	41	less	less	ADJ
easat-2718	120	42	than	than	ADP
easat-2718	120	43	50	50	NUM
easat-2718	120	44	%	%	NOUN
easat-2718	120	45	)	)	PUNCT
easat-2718	120	46	;	;	PUNCT
easat-2718	121	1	•	•	NOUN
easat-2718	121	2	3	3	NUM
easat-2718	121	3	:	:	PUNCT
easat-2718	121	4	relatively	relatively	ADV
easat-2718	121	5	completed	complete	VERB
easat-2718	121	6	(	(	PUNCT
easat-2718	121	7	from	from	ADP
easat-2718	121	8	50	50	NUM
easat-2718	121	9	%	%	NOUN
easat-2718	121	10	to	to	ADP
easat-2718	121	11	less	less	ADJ
easat-2718	121	12	than	than	ADP
easat-2718	121	13	100	100	NUM
easat-2718	121	14	%	%	NOUN
easat-2718	121	15	)	)	PUNCT
easat-2718	121	16	;	;	PUNCT
easat-2718	121	17	•	•	NOUN
easat-2718	121	18	4	4	NUM
easat-2718	121	19	:	:	PUNCT
easat-2718	121	20	full	full	ADJ
easat-2718	121	21	/	/	PUNCT
easat-2718	121	22	completed	complete	VERB
easat-2718	121	23	(	(	PUNCT
easat-2718	121	24	100	100	NUM
easat-2718	121	25	%	%	NOUN
easat-2718	121	26	)	)	PUNCT
easat-2718	121	27	to	to	PART
easat-2718	121	28	stimulate	stimulate	VERB
easat-2718	121	29	the	the	DET
easat-2718	121	30	irrbb	irrbb	NOUN
easat-2718	121	31	management	management	NOUN
easat-2718	121	32	in	in	ADP
easat-2718	121	33	a	a	DET
easat-2718	121	34	vietnamese	vietnamese	ADJ
easat-2718	121	35	commercial	commercial	ADJ
easat-2718	121	36	bank	bank	NOUN
easat-2718	121	37	.	.	PUNCT
easat-2718	122	1	this	this	DET
easat-2718	122	2	bank	bank	NOUN
easat-2718	122	3	is	be	AUX
easat-2718	122	4	one	one	NUM
easat-2718	122	5	of	of	ADP
easat-2718	122	6	9	9	NUM
easat-2718	122	7	commercial	commercial	ADJ
easat-2718	122	8	banks	bank	NOUN
easat-2718	122	9	in	in	ADP
easat-2718	122	10	the	the	DET
easat-2718	122	11	basel	basel	PROPN
easat-2718	122	12	2	2	NUM
easat-2718	122	13	pilot	pilot	NOUN
easat-2718	122	14	group	group	NOUN
easat-2718	122	15	(	(	PUNCT
easat-2718	122	16	called	call	VERB
easat-2718	122	17	bank	bank	PROPN
easat-2718	122	18	z	z	PROPN
easat-2718	122	19	)	)	PUNCT
easat-2718	122	20	.	.	PUNCT
easat-2718	123	1	the	the	DET
easat-2718	123	2	simulation	simulation	NOUN
easat-2718	123	3	will	will	AUX
easat-2718	123	4	be	be	AUX
easat-2718	123	5	based	base	VERB
easat-2718	123	6	on	on	ADP
easat-2718	123	7	the	the	DET
easat-2718	123	8	basel	basel	PROPN
easat-2718	123	9	regulations	regulation	NOUN
easat-2718	123	10	about	about	ADP
easat-2718	123	11	irrbb	irrbb	PROPN
easat-2718	123	12	management	management	NOUN
easat-2718	123	13	in	in	ADP
easat-2718	123	14	banks	bank	NOUN
easat-2718	123	15	,	,	PUNCT
easat-2718	123	16	circular	circular	ADJ
easat-2718	123	17	no.13/2018	no.13/2018	NOUN
easat-2718	123	18	/	/	SYM
easat-2718	123	19	tt	tt	PROPN
easat-2718	123	20	-	-	PUNCT
easat-2718	123	21	nhnn	nhnn	PROPN
easat-2718	123	22	about	about	ADP
easat-2718	123	23	the	the	DET
easat-2718	123	24	internal	internal	ADJ
easat-2718	123	25	control	control	NOUN
easat-2718	123	26	systems	system	NOUN
easat-2718	123	27	of	of	ADP
easat-2718	123	28	commercial	commercial	ADJ
easat-2718	123	29	banks	bank	NOUN
easat-2718	123	30	and	and	CCONJ
easat-2718	123	31	the	the	DET
easat-2718	123	32	foreign	foreign	ADJ
easat-2718	123	33	banks	bank	NOUN
easat-2718	123	34	'	'	PART
easat-2718	123	35	branches	branch	NOUN
easat-2718	123	36	as	as	ADP
easat-2718	123	37	the	the	DET
easat-2718	123	38	current	current	ADJ
easat-2718	123	39	regulations	regulation	NOUN
easat-2718	123	40	of	of	ADP
easat-2718	123	41	vietnam	vietnam	PROPN
easat-2718	123	42	related	relate	VERB
easat-2718	123	43	to	to	ADP
easat-2718	123	44	irrbb	irrbb	PROPN
easat-2718	123	45	management	management	NOUN
easat-2718	123	46	.	.	PUNCT
easat-2718	124	1	the	the	DET
easat-2718	124	2	simulation	simulation	NOUN
easat-2718	124	3	will	will	AUX
easat-2718	124	4	follow	follow	VERB
easat-2718	124	5	the	the	DET
easat-2718	124	6	irrbb	irrbb	PROPN
easat-2718	124	7	management	management	NOUN
easat-2718	124	8	process	process	NOUN
easat-2718	124	9	,	,	PUNCT
easat-2718	124	10	which	which	PRON
easat-2718	124	11	includes	include	VERB
easat-2718	124	12	irrbb	irrbb	NOUN
easat-2718	124	13	identification	identification	NOUN
easat-2718	124	14	,	,	PUNCT
easat-2718	124	15	irrbb	irrbb	NOUN
easat-2718	124	16	measurement	measurement	NOUN
easat-2718	124	17	and	and	CCONJ
easat-2718	124	18	assessment	assessment	NOUN
easat-2718	124	19	by	by	ADP
easat-2718	124	20	gap	gap	NOUN
easat-2718	124	21	model	model	NOUN
easat-2718	124	22	to	to	PART
easat-2718	124	23	calculate	calculate	VERB
easat-2718	124	24	the	the	DET
easat-2718	124	25	change	change	NOUN
easat-2718	124	26	in	in	ADP
easat-2718	124	27	net	net	ADJ
easat-2718	124	28	income	income	NOUN
easat-2718	124	29	and	and	CCONJ
easat-2718	124	30	change	change	NOUN
easat-2718	124	31	in	in	ADP
easat-2718	124	32	economic	economic	ADJ
easat-2718	124	33	equity	equity	NOUN
easat-2718	124	34	,	,	PUNCT
easat-2718	124	35	irrbb	irrbb	NOUN
easat-2718	124	36	stress	stress	NOUN
easat-2718	124	37	test	test	NOUN
easat-2718	124	38	and	and	CCONJ
easat-2718	124	39	capital	capital	NOUN
easat-2718	124	40	requirement	requirement	NOUN
easat-2718	124	41	for	for	ADP
easat-2718	124	42	irrbb	irrbb	NOUN
easat-2718	124	43	to	to	PART
easat-2718	124	44	calculate	calculate	VERB
easat-2718	124	45	the	the	DET
easat-2718	124	46	economic	economic	ADJ
easat-2718	124	47	capital	capital	NOUN
easat-2718	124	48	requirement	requirement	NOUN
easat-2718	124	49	for	for	ADP
easat-2718	124	50	a	a	DET
easat-2718	124	51	chosen	choose	VERB
easat-2718	124	52	commercial	commercial	ADJ
easat-2718	124	53	bank	bank	NOUN
easat-2718	124	54	.	.	PUNCT
easat-2718	125	1	this	this	DET
easat-2718	125	2	simulation	simulation	NOUN
easat-2718	125	3	outlines	outline	VERB
easat-2718	125	4	each	each	DET
easat-2718	125	5	step	step	NOUN
easat-2718	125	6	that	that	PRON
easat-2718	125	7	needs	need	VERB
easat-2718	125	8	to	to	PART
easat-2718	125	9	be	be	AUX
easat-2718	125	10	taken	take	VERB
easat-2718	125	11	in	in	ADP
easat-2718	125	12	the	the	DET
easat-2718	125	13	irrbb	irrbb	NOUN
easat-2718	125	14	management	management	NOUN
easat-2718	125	15	process	process	NOUN
easat-2718	125	16	,	,	PUNCT
easat-2718	125	17	especially	especially	ADV
easat-2718	125	18	in	in	ADP
easat-2718	125	19	developing	develop	VERB
easat-2718	125	20	a	a	DET
easat-2718	125	21	3366	3366	NUM
easat-2718	125	22	edelweiss	edelweiss	PROPN
easat-2718	125	23	applied	apply	VERB
easat-2718	125	24	science	science	NOUN
easat-2718	125	25	and	and	CCONJ
easat-2718	125	26	technology	technology	NOUN
easat-2718	125	27	issn	issn	PROPN
easat-2718	125	28	:	:	PUNCT
easat-2718	125	29	2576	2576	NUM
easat-2718	125	30	-	-	SYM
easat-2718	125	31	8484	8484	NUM
easat-2718	125	32	vol	vol	NOUN
easat-2718	125	33	.	.	PROPN
easat-2718	125	34	8	8	NUM
easat-2718	125	35	,	,	PUNCT
easat-2718	125	36	no	no	INTJ
easat-2718	125	37	.	.	NOUN
easat-2718	126	1	6	6	NUM
easat-2718	126	2	:	:	PUNCT
easat-2718	126	3	3361	3361	NUM
easat-2718	126	4	-	-	SYM
easat-2718	126	5	3380	3380	NUM
easat-2718	126	6	,	,	PUNCT
easat-2718	126	7	2024	2024	NUM
easat-2718	126	8	doi	doi	NOUN
easat-2718	126	9	:	:	PUNCT
easat-2718	126	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	126	11	©	©	PROPN
easat-2718	126	12	2024	2024	NUM
easat-2718	126	13	by	by	ADP
easat-2718	126	14	the	the	DET
easat-2718	126	15	authors	author	NOUN
easat-2718	126	16	;	;	PUNCT
easat-2718	126	17	licensee	licensee	PROPN
easat-2718	126	18	learning	learn	VERB
easat-2718	126	19	gate	gate	PROPN
easat-2718	126	20	model	model	NOUN
easat-2718	126	21	to	to	PART
easat-2718	126	22	measure	measure	VERB
easat-2718	126	23	irrbb	irrbb	NOUN
easat-2718	126	24	and	and	CCONJ
easat-2718	126	25	calculate	calculate	VERB
easat-2718	126	26	the	the	DET
easat-2718	126	27	required	require	VERB
easat-2718	126	28	economic	economic	ADJ
easat-2718	126	29	capital	capital	NOUN
easat-2718	126	30	for	for	ADP
easat-2718	126	31	irrbb	irrbb	NOUN
easat-2718	126	32	.	.	PUNCT
easat-2718	127	1	commercial	commercial	ADJ
easat-2718	127	2	banks	bank	NOUN
easat-2718	127	3	in	in	ADP
easat-2718	127	4	vietnam	vietnam	PROPN
easat-2718	127	5	can	can	AUX
easat-2718	127	6	save	save	VERB
easat-2718	127	7	resources	resource	NOUN
easat-2718	127	8	in	in	ADP
easat-2718	127	9	their	their	PRON
easat-2718	127	10	irrbb	irrbb	NOUN
easat-2718	127	11	management	management	NOUN
easat-2718	127	12	following	follow	VERB
easat-2718	127	13	this	this	DET
easat-2718	127	14	simulation	simulation	NOUN
easat-2718	127	15	and	and	CCONJ
easat-2718	127	16	model	model	NOUN
easat-2718	127	17	.	.	PUNCT
easat-2718	128	1	the	the	DET
easat-2718	128	2	simulation	simulation	NOUN
easat-2718	128	3	followed	follow	VERB
easat-2718	128	4	these	these	DET
easat-2718	128	5	steps	step	NOUN
easat-2718	128	6	:	:	PUNCT
easat-2718	128	7	(	(	PUNCT
easat-2718	128	8	i	i	NOUN
easat-2718	128	9	)	)	PUNCT
easat-2718	128	10	irrbb	irrbb	NOUN
easat-2718	128	11	identification	identification	NOUN
easat-2718	128	12	,	,	PUNCT
easat-2718	128	13	(	(	PUNCT
easat-2718	128	14	ii	ii	NOUN
easat-2718	128	15	)	)	PUNCT
easat-2718	128	16	irrbb	irrbb	PROPN
easat-2718	128	17	measurement	measurement	NOUN
easat-2718	128	18	and	and	CCONJ
easat-2718	128	19	assessment	assessment	NOUN
easat-2718	128	20	by	by	ADP
easat-2718	128	21	applying	apply	VERB
easat-2718	128	22	the	the	DET
easat-2718	128	23	gap	gap	NOUN
easat-2718	128	24	model	model	NOUN
easat-2718	128	25	to	to	PART
easat-2718	128	26	calculate	calculate	VERB
easat-2718	128	27	the	the	DET
easat-2718	128	28	change	change	NOUN
easat-2718	128	29	in	in	ADP
easat-2718	128	30	net	net	ADJ
easat-2718	128	31	interest	interest	NOUN
easat-2718	128	32	income	income	NOUN
easat-2718	128	33	and	and	CCONJ
easat-2718	128	34	change	change	NOUN
easat-2718	128	35	in	in	ADP
easat-2718	128	36	the	the	DET
easat-2718	128	37	economic	economic	ADJ
easat-2718	128	38	value	value	NOUN
easat-2718	128	39	of	of	ADP
easat-2718	128	40	equity	equity	NOUN
easat-2718	128	41	;	;	PUNCT
easat-2718	128	42	(	(	PUNCT
easat-2718	128	43	iii	iii	X
easat-2718	128	44	)	)	PUNCT
easat-2718	128	45	implement	implement	VERB
easat-2718	128	46	irrbb	irrbb	NOUN
easat-2718	128	47	stress	stress	NOUN
easat-2718	128	48	test	test	NOUN
easat-2718	128	49	and	and	CCONJ
easat-2718	128	50	calculate	calculate	VERB
easat-2718	128	51	the	the	DET
easat-2718	128	52	economic	economic	ADJ
easat-2718	128	53	capital	capital	NOUN
easat-2718	128	54	requirement	requirement	NOUN
easat-2718	128	55	for	for	ADP
easat-2718	128	56	irrbb	irrbb	PROPN
easat-2718	128	57	.	.	PUNCT
easat-2718	129	1	each	each	DET
easat-2718	129	2	step	step	NOUN
easat-2718	129	3	will	will	AUX
easat-2718	129	4	be	be	AUX
easat-2718	129	5	analyzed	analyze	VERB
easat-2718	129	6	and	and	CCONJ
easat-2718	129	7	developed	develop	VERB
easat-2718	129	8	in	in	ADP
easat-2718	129	9	detail	detail	NOUN
easat-2718	129	10	based	base	VERB
easat-2718	129	11	on	on	ADP
easat-2718	129	12	the	the	DET
easat-2718	129	13	principles	principle	NOUN
easat-2718	129	14	of	of	ADP
easat-2718	129	15	basel	basel	PROPN
easat-2718	129	16	and	and	CCONJ
easat-2718	129	17	the	the	DET
easat-2718	129	18	regulations	regulation	NOUN
easat-2718	129	19	of	of	ADP
easat-2718	129	20	the	the	DET
easat-2718	129	21	state	state	PROPN
easat-2718	129	22	bank	bank	PROPN
easat-2718	129	23	of	of	ADP
easat-2718	129	24	vietnam	vietnam	PROPN
easat-2718	129	25	(	(	PUNCT
easat-2718	129	26	sbv	sbv	PROPN
easat-2718	129	27	)	)	PUNCT
easat-2718	129	28	in	in	ADP
easat-2718	129	29	the	the	DET
easat-2718	129	30	following	follow	VERB
easat-2718	129	31	sections	section	NOUN
easat-2718	129	32	.	.	PUNCT
easat-2718	130	1	4	4	X
easat-2718	130	2	.	.	NOUN
easat-2718	130	3	results	result	NOUN
easat-2718	130	4	and	and	CCONJ
easat-2718	130	5	discussion	discussion	NOUN
easat-2718	130	6	4.1	4.1	NUM
easat-2718	130	7	.	.	PUNCT
easat-2718	131	1	situation	situation	NOUN
easat-2718	131	2	of	of	ADP
easat-2718	131	3	interest	interest	NOUN
easat-2718	131	4	rate	rate	NOUN
easat-2718	131	5	in	in	ADP
easat-2718	131	6	banking	banking	NOUN
easat-2718	131	7	book	book	NOUN
easat-2718	131	8	management	management	NOUN
easat-2718	131	9	in	in	ADP
easat-2718	131	10	vietnamese	vietnamese	ADJ
easat-2718	131	11	commercial	commercial	ADJ
easat-2718	131	12	banks	bank	NOUN
easat-2718	131	13	4.1.1	4.1.1	NUM
easat-2718	131	14	.	.	PUNCT
easat-2718	132	1	board	board	NOUN
easat-2718	132	2	of	of	ADP
easat-2718	132	3	directors	director	NOUN
easat-2718	132	4	and	and	CCONJ
easat-2718	132	5	senior	senior	ADJ
easat-2718	132	6	management	management	NOUN
easat-2718	132	7	oversight	oversight	NOUN
easat-2718	132	8	in	in	ADP
easat-2718	132	9	most	most	ADJ
easat-2718	132	10	banks	bank	NOUN
easat-2718	132	11	,	,	PUNCT
easat-2718	132	12	the	the	DET
easat-2718	132	13	oversight	oversight	NOUN
easat-2718	132	14	function	function	NOUN
easat-2718	132	15	of	of	ADP
easat-2718	132	16	the	the	DET
easat-2718	132	17	board	board	NOUN
easat-2718	132	18	of	of	ADP
easat-2718	132	19	directors	director	NOUN
easat-2718	132	20	and	and	CCONJ
easat-2718	132	21	the	the	DET
easat-2718	132	22	senior	senior	ADJ
easat-2718	132	23	management	management	NOUN
easat-2718	132	24	in	in	ADP
easat-2718	132	25	the	the	DET
easat-2718	132	26	irrbb	irrbb	NOUN
easat-2718	132	27	management	management	NOUN
easat-2718	132	28	framework	framework	NOUN
easat-2718	132	29	is	be	AUX
easat-2718	132	30	expected	expect	VERB
easat-2718	132	31	to	to	PART
easat-2718	132	32	include	include	VERB
easat-2718	132	33	(	(	PUNCT
easat-2718	132	34	i	i	NOUN
easat-2718	132	35	)	)	PUNCT
easat-2718	132	36	supervising	supervise	VERB
easat-2718	132	37	the	the	DET
easat-2718	132	38	irrbb	irrbb	PROPN
easat-2718	132	39	management	management	NOUN
easat-2718	132	40	,	,	PUNCT
easat-2718	132	41	(	(	PUNCT
easat-2718	132	42	ii	ii	NOUN
easat-2718	132	43	)	)	PUNCT
easat-2718	132	44	building	build	VERB
easat-2718	132	45	irrbb	irrbb	NOUN
easat-2718	132	46	management	management	NOUN
easat-2718	132	47	strategy	strategy	NOUN
easat-2718	132	48	,	,	PUNCT
easat-2718	132	49	(	(	PUNCT
easat-2718	132	50	iii	iii	NOUN
easat-2718	132	51	)	)	PUNCT
easat-2718	132	52	defining	define	VERB
easat-2718	132	53	its	its	PRON
easat-2718	132	54	risk	risk	NOUN
easat-2718	132	55	appetite	appetite	NOUN
easat-2718	132	56	for	for	ADP
easat-2718	132	57	irrbb	irrbb	NOUN
easat-2718	132	58	.	.	PUNCT
easat-2718	133	1	firstly	firstly	ADV
easat-2718	133	2	,	,	PUNCT
easat-2718	133	3	about	about	ADP
easat-2718	133	4	supervising	supervise	VERB
easat-2718	133	5	the	the	DET
easat-2718	133	6	irrbb	irrbb	PROPN
easat-2718	133	7	management	management	NOUN
easat-2718	133	8	,	,	PUNCT
easat-2718	133	9	vietnamese	vietnamese	ADJ
easat-2718	133	10	commercial	commercial	ADJ
easat-2718	133	11	banks	bank	NOUN
easat-2718	133	12	must	must	AUX
easat-2718	133	13	establish	establish	VERB
easat-2718	133	14	the	the	DET
easat-2718	133	15	three	three	NUM
easat-2718	133	16	lines	line	NOUN
easat-2718	133	17	of	of	ADP
easat-2718	133	18	defense	defense	NOUN
easat-2718	133	19	model	model	NOUN
easat-2718	133	20	for	for	ADP
easat-2718	133	21	better	well	ADJ
easat-2718	133	22	risk	risk	NOUN
easat-2718	133	23	management	management	NOUN
easat-2718	133	24	according	accord	VERB
easat-2718	133	25	to	to	ADP
easat-2718	133	26	circular	circular	ADJ
easat-2718	133	27	no.13/2018	no.13/2018	NOUN
easat-2718	133	28	/	/	SYM
easat-2718	133	29	ttnhnn	ttnhnn	PROPN
easat-2718	133	30	released	release	VERB
easat-2718	133	31	by	by	ADP
easat-2718	133	32	sbv	sbv	PROPN
easat-2718	133	33	.	.	PUNCT
easat-2718	134	1	in	in	ADP
easat-2718	134	2	addition	addition	NOUN
easat-2718	134	3	,	,	PUNCT
easat-2718	134	4	it	it	PRON
easat-2718	134	5	is	be	AUX
easat-2718	134	6	necessary	necessary	ADJ
easat-2718	134	7	to	to	PART
easat-2718	134	8	ensure	ensure	VERB
easat-2718	134	9	the	the	DET
easat-2718	134	10	oversight	oversight	NOUN
easat-2718	134	11	function	function	NOUN
easat-2718	134	12	of	of	ADP
easat-2718	134	13	the	the	DET
easat-2718	134	14	board	board	NOUN
easat-2718	134	15	of	of	ADP
easat-2718	134	16	directors	director	NOUN
easat-2718	134	17	and	and	CCONJ
easat-2718	134	18	senior	senior	ADJ
easat-2718	134	19	management	management	NOUN
easat-2718	134	20	in	in	ADP
easat-2718	134	21	risk	risk	NOUN
easat-2718	134	22	management	management	NOUN
easat-2718	134	23	.	.	PUNCT
easat-2718	135	1	specifically	specifically	ADV
easat-2718	135	2	,	,	PUNCT
easat-2718	135	3	commercial	commercial	ADJ
easat-2718	135	4	banks	bank	NOUN
easat-2718	135	5	must	must	AUX
easat-2718	135	6	develop	develop	VERB
easat-2718	135	7	a	a	DET
easat-2718	135	8	risk	risk	NOUN
easat-2718	135	9	management	management	NOUN
easat-2718	135	10	and	and	CCONJ
easat-2718	135	11	supervision	supervision	NOUN
easat-2718	135	12	structure	structure	NOUN
easat-2718	135	13	as	as	SCONJ
easat-2718	135	14	follows	follow	VERB
easat-2718	135	15	:	:	PUNCT
easat-2718	135	16	board	board	NOUN
easat-2718	135	17	of	of	ADP
easat-2718	135	18	directors	director	NOUN
easat-2718	135	19	or	or	CCONJ
easat-2718	135	20	board	board	NOUN
easat-2718	135	21	of	of	ADP
easat-2718	135	22	members	member	NOUN
easat-2718	135	23	supervises	supervise	VERB
easat-2718	135	24	the	the	DET
easat-2718	135	25	ceo	ceo	NOUN
easat-2718	135	26	;	;	PUNCT
easat-2718	135	27	the	the	DET
easat-2718	135	28	ceo	ceo	NOUN
easat-2718	135	29	supervises	supervise	NOUN
easat-2718	135	30	and	and	CCONJ
easat-2718	135	31	conducts	conduct	VERB
easat-2718	135	32	individuals	individual	NOUN
easat-2718	135	33	and	and	CCONJ
easat-2718	135	34	departments	department	NOUN
easat-2718	135	35	based	base	VERB
easat-2718	135	36	on	on	ADP
easat-2718	135	37	the	the	DET
easat-2718	135	38	recommendations	recommendation	NOUN
easat-2718	135	39	and	and	CCONJ
easat-2718	135	40	advice	advice	NOUN
easat-2718	135	41	of	of	ADP
easat-2718	135	42	the	the	DET
easat-2718	135	43	risk	risk	NOUN
easat-2718	135	44	committee	committee	NOUN
easat-2718	135	45	.	.	PUNCT
easat-2718	136	1	in	in	ADP
easat-2718	136	2	fact	fact	NOUN
easat-2718	136	3	,	,	PUNCT
easat-2718	136	4	according	accord	VERB
easat-2718	136	5	to	to	ADP
easat-2718	136	6	our	our	PRON
easat-2718	136	7	survey	survey	NOUN
easat-2718	136	8	on	on	ADP
easat-2718	136	9	the	the	DET
easat-2718	136	10	implementation	implementation	NOUN
easat-2718	136	11	of	of	ADP
easat-2718	136	12	irrbb	irrbb	PROPN
easat-2718	136	13	management	management	NOUN
easat-2718	136	14	in	in	ADP
easat-2718	136	15	vietnamese	vietnamese	ADJ
easat-2718	136	16	commercial	commercial	ADJ
easat-2718	136	17	banks	bank	NOUN
easat-2718	136	18	,	,	PUNCT
easat-2718	136	19	this	this	DET
easat-2718	136	20	structure	structure	NOUN
easat-2718	136	21	has	have	AUX
easat-2718	136	22	been	be	AUX
easat-2718	136	23	almost	almost	ADV
easat-2718	136	24	completed	complete	VERB
easat-2718	136	25	in	in	ADP
easat-2718	136	26	the	the	DET
easat-2718	136	27	banks	bank	NOUN
easat-2718	136	28	of	of	ADP
easat-2718	136	29	group	group	NOUN
easat-2718	136	30	1	1	NUM
easat-2718	136	31	,	,	PUNCT
easat-2718	136	32	which	which	PRON
easat-2718	136	33	have	have	AUX
easat-2718	136	34	developed	develop	VERB
easat-2718	136	35	the	the	DET
easat-2718	136	36	model	model	NOUN
easat-2718	136	37	,	,	PUNCT
easat-2718	136	38	organizational	organizational	ADJ
easat-2718	136	39	structure	structure	NOUN
easat-2718	136	40	,	,	PUNCT
easat-2718	136	41	functions	function	NOUN
easat-2718	136	42	,	,	PUNCT
easat-2718	136	43	and	and	CCONJ
easat-2718	136	44	objectives	objective	NOUN
easat-2718	136	45	of	of	ADP
easat-2718	136	46	the	the	DET
easat-2718	136	47	committees	committee	NOUN
easat-2718	136	48	to	to	PART
easat-2718	136	49	support	support	VERB
easat-2718	136	50	the	the	DET
easat-2718	136	51	senior	senior	ADJ
easat-2718	136	52	management	management	NOUN
easat-2718	136	53	to	to	PART
easat-2718	136	54	conduct	conduct	VERB
easat-2718	136	55	the	the	DET
easat-2718	136	56	supervision	supervision	NOUN
easat-2718	136	57	function	function	NOUN
easat-2718	136	58	as	as	SCONJ
easat-2718	136	59	prescribed	prescribe	VERB
easat-2718	136	60	in	in	ADP
easat-2718	136	61	circular	circular	ADJ
easat-2718	136	62	no.13/2018	no.13/2018	NOUN
easat-2718	136	63	/	/	SYM
easat-2718	136	64	tt	tt	PROPN
easat-2718	136	65	-	-	PUNCT
easat-2718	136	66	nhnn	nhnn	PROPN
easat-2718	136	67	.	.	PUNCT
easat-2718	137	1	secondly	secondly	ADV
easat-2718	137	2	,	,	PUNCT
easat-2718	137	3	according	accord	VERB
easat-2718	137	4	to	to	ADP
easat-2718	137	5	circular	circular	ADJ
easat-2718	137	6	no.13/2018	no.13/2018	NOUN
easat-2718	137	7	/	/	SYM
easat-2718	137	8	tt	tt	PROPN
easat-2718	137	9	-	-	PUNCT
easat-2718	137	10	nhnn	nhnn	PROPN
easat-2718	137	11	,	,	PUNCT
easat-2718	137	12	the	the	DET
easat-2718	137	13	risk	risk	NOUN
easat-2718	137	14	management	management	NOUN
easat-2718	137	15	strategy	strategy	NOUN
easat-2718	137	16	must	must	AUX
easat-2718	137	17	cover	cover	VERB
easat-2718	137	18	the	the	DET
easat-2718	137	19	following	follow	VERB
easat-2718	137	20	tasks	task	NOUN
easat-2718	137	21	in	in	ADP
easat-2718	137	22	building	build	VERB
easat-2718	137	23	the	the	DET
easat-2718	137	24	irrbb	irrbb	PROPN
easat-2718	137	25	management	management	NOUN
easat-2718	137	26	strategy	strategy	NOUN
easat-2718	137	27	:	:	PUNCT
easat-2718	137	28	releasing	release	VERB
easat-2718	137	29	risk	risk	NOUN
easat-2718	137	30	management	management	NOUN
easat-2718	137	31	principles	principle	NOUN
easat-2718	137	32	(	(	PUNCT
easat-2718	137	33	including	include	VERB
easat-2718	137	34	the	the	DET
easat-2718	137	35	risk	risk	NOUN
easat-2718	137	36	parameters	parameter	NOUN
easat-2718	137	37	)	)	PUNCT
easat-2718	137	38	and	and	CCONJ
easat-2718	137	39	the	the	DET
easat-2718	137	40	uses	use	NOUN
easat-2718	137	41	of	of	ADP
easat-2718	137	42	irrbb	irrbb	PROPN
easat-2718	137	43	hedging	hedging	NOUN
easat-2718	137	44	instruments	instrument	NOUN
easat-2718	137	45	(	(	PUNCT
easat-2718	137	46	including	include	VERB
easat-2718	137	47	the	the	DET
easat-2718	137	48	authority	authority	NOUN
easat-2718	137	49	to	to	PART
easat-2718	137	50	approve	approve	VERB
easat-2718	137	51	irrbb	irrbb	PROPN
easat-2718	137	52	hedging	hedging	NOUN
easat-2718	137	53	instruments	instrument	NOUN
easat-2718	137	54	)	)	PUNCT
easat-2718	137	55	.	.	PUNCT
easat-2718	138	1	figure	figure	NOUN
easat-2718	138	2	2	2	NUM
easat-2718	138	3	.	.	PUNCT
easat-2718	139	1	the	the	DET
easat-2718	139	2	level	level	NOUN
easat-2718	139	3	of	of	ADP
easat-2718	139	4	developing	develop	VERB
easat-2718	139	5	an	an	DET
easat-2718	139	6	irrbb	irrbb	NOUN
easat-2718	139	7	management	management	NOUN
easat-2718	139	8	strategy	strategy	NOUN
easat-2718	139	9	in	in	ADP
easat-2718	139	10	vietnamese	vietnamese	ADJ
easat-2718	139	11	commercial	commercial	ADJ
easat-2718	139	12	banks	bank	NOUN
easat-2718	139	13	.	.	PUNCT
easat-2718	140	1	figure	figure	VERB
easat-2718	140	2	2	2	NUM
easat-2718	140	3	shows	show	VERB
easat-2718	140	4	that	that	SCONJ
easat-2718	140	5	the	the	DET
easat-2718	140	6	banks	bank	NOUN
easat-2718	140	7	of	of	ADP
easat-2718	140	8	group	group	NOUN
easat-2718	140	9	1	1	NUM
easat-2718	140	10	have	have	AUX
easat-2718	140	11	just	just	ADV
easat-2718	140	12	completed	complete	VERB
easat-2718	140	13	an	an	DET
easat-2718	140	14	irrbb	irrbb	NOUN
easat-2718	140	15	management	management	NOUN
easat-2718	140	16	strategy	strategy	NOUN
easat-2718	140	17	under	under	ADP
easat-2718	140	18	level	level	NOUN
easat-2718	140	19	3	3	NUM
easat-2718	140	20	(	(	PUNCT
easat-2718	140	21	average	average	ADJ
easat-2718	140	22	2,44	2,44	NUM
easat-2718	140	23	;	;	PUNCT
easat-2718	140	24	standard	standard	ADJ
easat-2718	140	25	deviation	deviation	NOUN
easat-2718	140	26	0,684	0,684	NUM
easat-2718	140	27	)	)	PUNCT
easat-2718	140	28	.	.	PUNCT
easat-2718	141	1	it	it	PRON
easat-2718	141	2	means	mean	VERB
easat-2718	141	3	most	most	ADJ
easat-2718	141	4	vietnamese	vietnamese	ADJ
easat-2718	141	5	commercial	commercial	ADJ
easat-2718	141	6	banks	bank	NOUN
easat-2718	141	7	have	have	AUX
easat-2718	141	8	completed	complete	VERB
easat-2718	141	9	this	this	DET
easat-2718	141	10	task	task	NOUN
easat-2718	141	11	at	at	ADP
easat-2718	141	12	less	less	ADJ
easat-2718	141	13	than	than	ADP
easat-2718	141	14	50	50	NUM
easat-2718	141	15	%	%	NOUN
easat-2718	141	16	(	(	PUNCT
easat-2718	141	17	around	around	ADP
easat-2718	141	18	2	2	NUM
easat-2718	141	19	)	)	PUNCT
easat-2718	141	20	,	,	PUNCT
easat-2718	141	21	while	while	SCONJ
easat-2718	141	22	only	only	ADV
easat-2718	141	23	a	a	DET
easat-2718	141	24	few	few	ADJ
easat-2718	141	25	banks	bank	NOUN
easat-2718	141	26	accomplished	accomplish	VERB
easat-2718	141	27	above	above	ADP
easat-2718	141	28	50	50	NUM
easat-2718	141	29	%	%	NOUN
easat-2718	141	30	.	.	PUNCT
easat-2718	142	1	for	for	ADP
easat-2718	142	2	the	the	DET
easat-2718	142	3	commercial	commercial	ADJ
easat-2718	142	4	banks	bank	NOUN
easat-2718	142	5	of	of	ADP
easat-2718	142	6	group	group	NOUN
easat-2718	142	7	2	2	NUM
easat-2718	142	8	,	,	PUNCT
easat-2718	142	9	the	the	DET
easat-2718	142	10	level	level	NOUN
easat-2718	142	11	of	of	ADP
easat-2718	142	12	completion	completion	NOUN
easat-2718	142	13	is	be	AUX
easat-2718	142	14	much	much	ADV
easat-2718	142	15	lower	low	ADJ
easat-2718	142	16	(	(	PUNCT
easat-2718	142	17	average	average	ADJ
easat-2718	142	18	1,6	1,6	NUM
easat-2718	142	19	,	,	PUNCT
easat-2718	142	20	standard	standard	ADJ
easat-2718	142	21	deviation	deviation	NOUN
easat-2718	142	22	0,8	0,8	NUM
easat-2718	142	23	)	)	PUNCT
easat-2718	142	24	.	.	PUNCT
easat-2718	143	1	in	in	ADP
easat-2718	143	2	this	this	DET
easat-2718	143	3	group	group	NOUN
easat-2718	143	4	,	,	PUNCT
easat-2718	143	5	only	only	ADV
easat-2718	143	6	a	a	DET
easat-2718	143	7	few	few	ADJ
easat-2718	143	8	banks	bank	NOUN
easat-2718	143	9	obtained	obtain	VERB
easat-2718	143	10	threshold	threshold	NOUN
easat-2718	143	11	2	2	NUM
easat-2718	143	12	,	,	PUNCT
easat-2718	143	13	while	while	SCONJ
easat-2718	143	14	most	most	ADJ
easat-2718	143	15	have	have	AUX
easat-2718	143	16	been	be	AUX
easat-2718	143	17	in	in	ADP
easat-2718	143	18	progress	progress	NOUN
easat-2718	143	19	3367	3367	NUM
easat-2718	143	20	edelweiss	edelweiss	PROPN
easat-2718	143	21	applied	apply	VERB
easat-2718	143	22	science	science	NOUN
easat-2718	143	23	and	and	CCONJ
easat-2718	143	24	technology	technology	NOUN
easat-2718	143	25	issn	issn	PROPN
easat-2718	143	26	:	:	PUNCT
easat-2718	143	27	2576	2576	NUM
easat-2718	143	28	-	-	SYM
easat-2718	143	29	8484	8484	NUM
easat-2718	143	30	vol	vol	NOUN
easat-2718	143	31	.	.	PROPN
easat-2718	144	1	8	8	NUM
easat-2718	144	2	,	,	PUNCT
easat-2718	144	3	no	no	INTJ
easat-2718	144	4	.	.	NOUN
easat-2718	145	1	6	6	NUM
easat-2718	145	2	:	:	PUNCT
easat-2718	145	3	3361	3361	NUM
easat-2718	145	4	-	-	SYM
easat-2718	145	5	3380	3380	NUM
easat-2718	145	6	,	,	PUNCT
easat-2718	145	7	2024	2024	NUM
easat-2718	145	8	doi	doi	NOUN
easat-2718	145	9	:	:	PUNCT
easat-2718	145	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	145	11	©	©	PROPN
easat-2718	145	12	2024	2024	NUM
easat-2718	145	13	by	by	ADP
easat-2718	145	14	the	the	DET
easat-2718	145	15	authors	author	NOUN
easat-2718	145	16	;	;	PUNCT
easat-2718	145	17	licensee	licensee	PROPN
easat-2718	145	18	learning	learning	NOUN
easat-2718	145	19	gate	gate	NOUN
easat-2718	145	20	(	(	PUNCT
easat-2718	145	21	at	at	ADP
easat-2718	145	22	level	level	NOUN
easat-2718	145	23	1	1	NUM
easat-2718	145	24	)	)	PUNCT
easat-2718	145	25	.	.	PUNCT
easat-2718	146	1	the	the	DET
easat-2718	146	2	banks	bank	NOUN
easat-2718	146	3	of	of	ADP
easat-2718	146	4	group	group	NOUN
easat-2718	146	5	3	3	NUM
easat-2718	146	6	have	have	AUX
easat-2718	146	7	built	build	VERB
easat-2718	146	8	a	a	DET
easat-2718	146	9	relatively	relatively	ADV
easat-2718	146	10	complete	complete	ADJ
easat-2718	146	11	irrbb	irrbb	NOUN
easat-2718	146	12	management	management	NOUN
easat-2718	146	13	strategy	strategy	NOUN
easat-2718	146	14	as	as	SCONJ
easat-2718	146	15	they	they	PRON
easat-2718	146	16	fully	fully	ADV
easat-2718	146	17	implemented	implement	VERB
easat-2718	146	18	basel	basel	PROPN
easat-2718	146	19	ii	ii	PROPN
easat-2718	146	20	.	.	PUNCT
easat-2718	147	1	thirdly	thirdly	ADV
easat-2718	147	2	,	,	PUNCT
easat-2718	147	3	the	the	DET
easat-2718	147	4	issue	issue	NOUN
easat-2718	147	5	is	be	AUX
easat-2718	147	6	defining	define	VERB
easat-2718	147	7	the	the	DET
easat-2718	147	8	bank	bank	NOUN
easat-2718	147	9	's	's	PART
easat-2718	147	10	risk	risk	NOUN
easat-2718	147	11	appetite	appetite	NOUN
easat-2718	147	12	for	for	ADP
easat-2718	147	13	irrbb	irrbb	NOUN
easat-2718	147	14	.	.	PUNCT
easat-2718	148	1	while	while	SCONJ
easat-2718	148	2	the	the	DET
easat-2718	148	3	vietnamese	vietnamese	ADJ
easat-2718	148	4	commercial	commercial	ADJ
easat-2718	148	5	banks	bank	NOUN
easat-2718	148	6	in	in	ADP
easat-2718	148	7	group	group	NOUN
easat-2718	148	8	1	1	NUM
easat-2718	148	9	recognize	recognize	VERB
easat-2718	148	10	irrbb	irrbb	NOUN
easat-2718	148	11	as	as	ADP
easat-2718	148	12	one	one	NUM
easat-2718	148	13	of	of	ADP
easat-2718	148	14	the	the	DET
easat-2718	148	15	material	material	NOUN
easat-2718	148	16	risks	risk	NOUN
easat-2718	148	17	,	,	PUNCT
easat-2718	148	18	this	this	PRON
easat-2718	148	19	does	do	AUX
easat-2718	148	20	not	not	PART
easat-2718	148	21	imply	imply	VERB
easat-2718	148	22	that	that	SCONJ
easat-2718	148	23	all	all	DET
easat-2718	148	24	banks	bank	NOUN
easat-2718	148	25	have	have	AUX
easat-2718	148	26	specifically	specifically	ADV
easat-2718	148	27	defined	define	VERB
easat-2718	148	28	their	their	PRON
easat-2718	148	29	irrbb	irrbb	NOUN
easat-2718	148	30	appetite	appetite	NOUN
easat-2718	148	31	.	.	PUNCT
easat-2718	149	1	figure	figure	NOUN
easat-2718	149	2	3	3	NUM
easat-2718	149	3	illustrates	illustrate	VERB
easat-2718	149	4	how	how	SCONJ
easat-2718	149	5	vietnamese	vietnamese	ADJ
easat-2718	149	6	commercial	commercial	ADJ
easat-2718	149	7	banks	bank	NOUN
easat-2718	149	8	have	have	AUX
easat-2718	149	9	established	establish	VERB
easat-2718	149	10	a	a	DET
easat-2718	149	11	risk	risk	NOUN
easat-2718	149	12	appetite	appetite	NOUN
easat-2718	149	13	for	for	ADP
easat-2718	149	14	irrbb	irrbb	NOUN
easat-2718	149	15	.	.	PUNCT
easat-2718	150	1	figure	figure	VERB
easat-2718	150	2	3	3	NUM
easat-2718	150	3	.	.	PUNCT
easat-2718	151	1	the	the	DET
easat-2718	151	2	level	level	NOUN
easat-2718	151	3	of	of	ADP
easat-2718	151	4	defining	define	VERB
easat-2718	151	5	risk	risk	NOUN
easat-2718	151	6	appetite	appetite	NOUN
easat-2718	151	7	and	and	CCONJ
easat-2718	151	8	irrbb	irrbb	NOUN
easat-2718	151	9	appetite	appetite	NOUN
easat-2718	151	10	in	in	ADP
easat-2718	151	11	vietnamese	vietnamese	ADJ
easat-2718	151	12	commercial	commercial	ADJ
easat-2718	151	13	banks	bank	NOUN
easat-2718	151	14	.	.	PUNCT
easat-2718	152	1	figure	figure	VERB
easat-2718	152	2	3	3	NUM
easat-2718	152	3	reveals	reveal	VERB
easat-2718	152	4	that	that	SCONJ
easat-2718	152	5	the	the	DET
easat-2718	152	6	risk	risk	NOUN
easat-2718	152	7	appetite	appetite	NOUN
easat-2718	152	8	definition	definition	NOUN
easat-2718	152	9	within	within	ADP
easat-2718	152	10	group	group	NOUN
easat-2718	152	11	1	1	NUM
easat-2718	152	12	has	have	AUX
easat-2718	152	13	been	be	AUX
easat-2718	152	14	relatively	relatively	ADV
easat-2718	152	15	successful	successful	ADJ
easat-2718	152	16	.	.	PUNCT
easat-2718	153	1	most	most	ADJ
easat-2718	153	2	banks	bank	NOUN
easat-2718	153	3	in	in	ADP
easat-2718	153	4	this	this	DET
easat-2718	153	5	group	group	NOUN
easat-2718	153	6	have	have	AUX
easat-2718	153	7	surpassed	surpass	VERB
easat-2718	153	8	the	the	DET
easat-2718	153	9	50	50	NUM
easat-2718	153	10	%	%	NOUN
easat-2718	153	11	threshold	threshold	NOUN
easat-2718	153	12	,	,	PUNCT
easat-2718	153	13	with	with	ADP
easat-2718	153	14	some	some	PRON
easat-2718	153	15	fully	fully	ADV
easat-2718	153	16	completing	complete	VERB
easat-2718	153	17	the	the	DET
easat-2718	153	18	task	task	NOUN
easat-2718	153	19	.	.	PUNCT
easat-2718	154	1	however	however	ADV
easat-2718	154	2	,	,	PUNCT
easat-2718	154	3	the	the	DET
easat-2718	154	4	definition	definition	NOUN
easat-2718	154	5	of	of	ADP
easat-2718	154	6	irrbb	irrbb	PROPN
easat-2718	154	7	appetite	appetite	NOUN
easat-2718	154	8	remains	remain	VERB
easat-2718	154	9	low	low	ADJ
easat-2718	154	10	because	because	SCONJ
easat-2718	154	11	many	many	ADJ
easat-2718	154	12	banks	bank	NOUN
easat-2718	154	13	either	either	CCONJ
easat-2718	154	14	have	have	AUX
easat-2718	154	15	n't	not	PART
easat-2718	154	16	implemented	implement	VERB
easat-2718	154	17	it	it	PRON
easat-2718	154	18	or	or	CCONJ
easat-2718	154	19	have	have	AUX
easat-2718	154	20	just	just	ADV
easat-2718	154	21	initiated	initiate	VERB
easat-2718	154	22	the	the	DET
easat-2718	154	23	process	process	NOUN
easat-2718	154	24	.	.	PUNCT
easat-2718	155	1	additionally	additionally	ADV
easat-2718	155	2	,	,	PUNCT
easat-2718	155	3	risk	risk	NOUN
easat-2718	155	4	appetite	appetite	NOUN
easat-2718	155	5	definition	definition	NOUN
easat-2718	155	6	is	be	AUX
easat-2718	155	7	in	in	ADP
easat-2718	155	8	progress	progress	NOUN
easat-2718	155	9	for	for	ADP
easat-2718	155	10	most	most	ADJ
easat-2718	155	11	group	group	NOUN
easat-2718	155	12	2	2	NUM
easat-2718	155	13	,	,	PUNCT
easat-2718	155	14	while	while	SCONJ
easat-2718	155	15	some	some	PRON
easat-2718	155	16	in	in	ADP
easat-2718	155	17	this	this	DET
easat-2718	155	18	group	group	NOUN
easat-2718	155	19	have	have	VERB
easat-2718	155	20	yet	yet	ADV
easat-2718	155	21	to	to	PART
easat-2718	155	22	commence	commence	VERB
easat-2718	155	23	.	.	PUNCT
easat-2718	156	1	consequently	consequently	ADV
easat-2718	156	2	,	,	PUNCT
easat-2718	156	3	these	these	DET
easat-2718	156	4	banks	bank	NOUN
easat-2718	156	5	have	have	AUX
easat-2718	156	6	either	either	CCONJ
easat-2718	156	7	yet	yet	ADV
easat-2718	156	8	to	to	PART
easat-2718	156	9	conduct	conduct	VERB
easat-2718	156	10	or	or	CCONJ
easat-2718	156	11	have	have	AUX
easat-2718	156	12	conducted	conduct	VERB
easat-2718	156	13	irrbb	irrbb	NOUN
easat-2718	156	14	appetite	appetite	ADJ
easat-2718	156	15	determination	determination	NOUN
easat-2718	156	16	at	at	ADP
easat-2718	156	17	a	a	DET
easat-2718	156	18	modest	modest	ADJ
easat-2718	156	19	level	level	NOUN
easat-2718	156	20	.	.	PUNCT
easat-2718	157	1	conversely	conversely	ADV
easat-2718	157	2	,	,	PUNCT
easat-2718	157	3	commercial	commercial	ADJ
easat-2718	157	4	banks	bank	NOUN
easat-2718	157	5	in	in	ADP
easat-2718	157	6	group	group	NOUN
easat-2718	157	7	3	3	NUM
easat-2718	157	8	have	have	AUX
easat-2718	157	9	fully	fully	ADV
easat-2718	157	10	defined	define	VERB
easat-2718	157	11	their	their	PRON
easat-2718	157	12	irrbb	irrbb	NOUN
easat-2718	157	13	appetite	appetite	NOUN
easat-2718	157	14	,	,	PUNCT
easat-2718	157	15	recognizing	recognize	VERB
easat-2718	157	16	it	it	PRON
easat-2718	157	17	as	as	ADP
easat-2718	157	18	a	a	DET
easat-2718	157	19	significant	significant	ADJ
easat-2718	157	20	risk	risk	NOUN
easat-2718	157	21	within	within	ADP
easat-2718	157	22	the	the	DET
easat-2718	157	23	banking	banking	NOUN
easat-2718	157	24	sector	sector	NOUN
easat-2718	157	25	.	.	PUNCT
easat-2718	158	1	4.2	4.2	NUM
easat-2718	158	2	.	.	PUNCT
easat-2718	159	1	irrbb	irrbb	PROPN
easat-2718	159	2	identification	identification	NOUN
easat-2718	159	3	to	to	PART
easat-2718	159	4	identify	identify	VERB
easat-2718	159	5	irrbb	irrbb	PROPN
easat-2718	159	6	,	,	PUNCT
easat-2718	159	7	banks	bank	NOUN
easat-2718	159	8	must	must	AUX
easat-2718	159	9	discern	discern	VERB
easat-2718	159	10	the	the	DET
easat-2718	159	11	sources	source	NOUN
easat-2718	159	12	of	of	ADP
easat-2718	159	13	irrbb	irrbb	NOUN
easat-2718	159	14	by	by	ADP
easat-2718	159	15	taking	take	VERB
easat-2718	159	16	several	several	ADJ
easat-2718	159	17	steps	step	NOUN
easat-2718	159	18	:	:	PUNCT
easat-2718	159	19	(	(	PUNCT
easat-2718	159	20	i	i	NOUN
easat-2718	159	21	)	)	PUNCT
easat-2718	159	22	separating	separate	VERB
easat-2718	159	23	the	the	DET
easat-2718	159	24	balance	balance	NOUN
easat-2718	159	25	sheet	sheet	NOUN
easat-2718	159	26	into	into	ADP
easat-2718	159	27	the	the	DET
easat-2718	159	28	banking	banking	NOUN
easat-2718	159	29	book	book	NOUN
easat-2718	159	30	and	and	CCONJ
easat-2718	159	31	the	the	DET
easat-2718	159	32	trading	trading	NOUN
easat-2718	159	33	book	book	NOUN
easat-2718	159	34	,	,	PUNCT
easat-2718	159	35	then	then	ADV
easat-2718	159	36	assessing	assess	VERB
easat-2718	159	37	the	the	DET
easat-2718	159	38	repricing	reprice	VERB
easat-2718	159	39	gap	gap	NOUN
easat-2718	159	40	;	;	PUNCT
easat-2718	159	41	(	(	PUNCT
easat-2718	159	42	ii	ii	NOUN
easat-2718	159	43	)	)	PUNCT
easat-2718	159	44	forecasting	forecast	VERB
easat-2718	159	45	the	the	DET
easat-2718	159	46	fluctuation	fluctuation	NOUN
easat-2718	159	47	of	of	ADP
easat-2718	159	48	interest	interest	NOUN
easat-2718	159	49	rate	rate	NOUN
easat-2718	159	50	.	.	PUNCT
easat-2718	160	1	currently	currently	ADV
easat-2718	160	2	,	,	PUNCT
easat-2718	160	3	according	accord	VERB
easat-2718	160	4	to	to	ADP
easat-2718	160	5	circular	circular	ADJ
easat-2718	160	6	no.13/2018	no.13/2018	NOUN
easat-2718	160	7	/	/	SYM
easat-2718	160	8	tt	tt	PROPN
easat-2718	160	9	-	-	PUNCT
easat-2718	160	10	nhnn	nhnn	PROPN
easat-2718	160	11	,	,	PUNCT
easat-2718	160	12	vietnamese	vietnamese	ADJ
easat-2718	160	13	commercial	commercial	ADJ
easat-2718	160	14	banks	bank	NOUN
easat-2718	160	15	must	must	AUX
easat-2718	160	16	generate	generate	VERB
easat-2718	160	17	a	a	DET
easat-2718	160	18	process	process	NOUN
easat-2718	160	19	of	of	ADP
easat-2718	160	20	identifying	identifying	NOUN
easat-2718	160	21	,	,	PUNCT
easat-2718	160	22	measuring	measuring	NOUN
easat-2718	160	23	,	,	PUNCT
easat-2718	160	24	monitoring	monitoring	NOUN
easat-2718	160	25	,	,	PUNCT
easat-2718	160	26	and	and	CCONJ
easat-2718	160	27	controlling	control	VERB
easat-2718	160	28	irrbb	irrbb	NOUN
easat-2718	160	29	regularly	regularly	ADV
easat-2718	160	30	(	(	PUNCT
easat-2718	160	31	at	at	ADP
easat-2718	160	32	least	least	ADJ
easat-2718	160	33	quarterly	quarterly	ADV
easat-2718	160	34	)	)	PUNCT
easat-2718	160	35	and	and	CCONJ
easat-2718	160	36	on	on	ADP
easat-2718	160	37	an	an	DET
easat-2718	160	38	irregular	irregular	ADJ
easat-2718	160	39	basis	basis	NOUN
easat-2718	160	40	consistent	consistent	ADJ
easat-2718	160	41	with	with	ADP
easat-2718	160	42	the	the	DET
easat-2718	160	43	bank	bank	NOUN
easat-2718	160	44	's	's	PART
easat-2718	160	45	internal	internal	ADJ
easat-2718	160	46	regulation	regulation	NOUN
easat-2718	160	47	.	.	PUNCT
easat-2718	161	1	for	for	ADP
easat-2718	161	2	group	group	NOUN
easat-2718	161	3	1	1	NUM
easat-2718	161	4	,	,	PUNCT
easat-2718	161	5	some	some	DET
easat-2718	161	6	banks	bank	NOUN
easat-2718	161	7	have	have	AUX
easat-2718	161	8	conducted	conduct	VERB
easat-2718	161	9	the	the	DET
easat-2718	161	10	identification	identification	NOUN
easat-2718	161	11	process	process	NOUN
easat-2718	161	12	,	,	PUNCT
easat-2718	161	13	while	while	SCONJ
easat-2718	161	14	others	other	NOUN
easat-2718	161	15	have	have	AUX
easat-2718	161	16	just	just	ADV
easat-2718	161	17	started	start	VERB
easat-2718	161	18	this	this	DET
easat-2718	161	19	process	process	NOUN
easat-2718	161	20	.	.	PUNCT
easat-2718	162	1	3368	3368	PROPN
easat-2718	162	2	edelweiss	edelweiss	PROPN
easat-2718	162	3	applied	apply	VERB
easat-2718	162	4	science	science	NOUN
easat-2718	162	5	and	and	CCONJ
easat-2718	162	6	technology	technology	NOUN
easat-2718	162	7	issn	issn	PROPN
easat-2718	162	8	:	:	PUNCT
easat-2718	162	9	2576	2576	NUM
easat-2718	162	10	-	-	SYM
easat-2718	162	11	8484	8484	NUM
easat-2718	162	12	vol	vol	NOUN
easat-2718	162	13	.	.	PROPN
easat-2718	162	14	8	8	NUM
easat-2718	162	15	,	,	PUNCT
easat-2718	162	16	no	no	INTJ
easat-2718	162	17	.	.	NOUN
easat-2718	162	18	6	6	NUM
easat-2718	162	19	:	:	PUNCT
easat-2718	162	20	3361	3361	NUM
easat-2718	162	21	-	-	SYM
easat-2718	162	22	3380	3380	NUM
easat-2718	162	23	,	,	PUNCT
easat-2718	162	24	2024	2024	NUM
easat-2718	162	25	doi	doi	NOUN
easat-2718	162	26	:	:	PUNCT
easat-2718	162	27	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	162	28	©	©	PROPN
easat-2718	162	29	2024	2024	NUM
easat-2718	162	30	by	by	ADP
easat-2718	162	31	the	the	DET
easat-2718	162	32	authors	author	NOUN
easat-2718	162	33	;	;	PUNCT
easat-2718	162	34	licensee	licensee	PROPN
easat-2718	162	35	learning	learn	VERB
easat-2718	162	36	gate	gate	NOUN
easat-2718	162	37	figure	figure	NOUN
easat-2718	162	38	4	4	NUM
easat-2718	162	39	.	.	PUNCT
easat-2718	163	1	the	the	DET
easat-2718	163	2	extent	extent	NOUN
easat-2718	163	3	of	of	ADP
easat-2718	163	4	implementing	implement	VERB
easat-2718	163	5	the	the	DET
easat-2718	163	6	irrbb	irrbb	NOUN
easat-2718	163	7	identification	identification	NOUN
easat-2718	163	8	process	process	NOUN
easat-2718	163	9	in	in	ADP
easat-2718	163	10	vietnamese	vietnamese	ADJ
easat-2718	163	11	commercial	commercial	ADJ
easat-2718	163	12	banks	bank	NOUN
easat-2718	163	13	.	.	PUNCT
easat-2718	164	1	figure	figure	VERB
easat-2718	164	2	4	4	NUM
easat-2718	164	3	illustrates	illustrate	VERB
easat-2718	164	4	that	that	SCONJ
easat-2718	164	5	the	the	DET
easat-2718	164	6	irrbb	irrbb	NOUN
easat-2718	164	7	identification	identification	NOUN
easat-2718	164	8	process	process	NOUN
easat-2718	164	9	has	have	AUX
easat-2718	164	10	been	be	AUX
easat-2718	164	11	built	build	VERB
easat-2718	164	12	relatively	relatively	ADV
easat-2718	164	13	well	well	ADV
easat-2718	164	14	in	in	ADP
easat-2718	164	15	group	group	NOUN
easat-2718	164	16	1	1	NUM
easat-2718	164	17	.	.	PUNCT
easat-2718	164	18	almost	almost	ADV
easat-2718	164	19	all	all	PRON
easat-2718	164	20	banks	bank	NOUN
easat-2718	164	21	achieved	achieve	VERB
easat-2718	164	22	over	over	ADP
easat-2718	164	23	50	50	NUM
easat-2718	164	24	%	%	NOUN
easat-2718	164	25	(	(	PUNCT
easat-2718	164	26	average	average	NOUN
easat-2718	164	27	at	at	ADP
easat-2718	164	28	2,78	2,78	NUM
easat-2718	164	29	)	)	PUNCT
easat-2718	164	30	,	,	PUNCT
easat-2718	164	31	but	but	CCONJ
easat-2718	164	32	the	the	DET
easat-2718	164	33	standard	standard	ADJ
easat-2718	164	34	deviation	deviation	NOUN
easat-2718	164	35	is	be	AUX
easat-2718	164	36	significant	significant	ADJ
easat-2718	164	37	,	,	PUNCT
easat-2718	164	38	reaching	reach	VERB
easat-2718	164	39	1,227	1,227	NUM
easat-2718	164	40	.	.	PUNCT
easat-2718	165	1	it	it	PRON
easat-2718	165	2	is	be	AUX
easat-2718	165	3	indicated	indicate	VERB
easat-2718	165	4	that	that	SCONJ
easat-2718	165	5	the	the	DET
easat-2718	165	6	level	level	NOUN
easat-2718	165	7	of	of	ADP
easat-2718	165	8	this	this	DET
easat-2718	165	9	task	task	NOUN
easat-2718	165	10	completion	completion	NOUN
easat-2718	165	11	varies	vary	VERB
easat-2718	165	12	significantly	significantly	ADV
easat-2718	165	13	among	among	ADP
easat-2718	165	14	the	the	DET
easat-2718	165	15	banks	bank	NOUN
easat-2718	165	16	of	of	ADP
easat-2718	165	17	group	group	NOUN
easat-2718	165	18	1	1	NUM
easat-2718	165	19	.	.	PUNCT
easat-2718	166	1	many	many	ADJ
easat-2718	166	2	banks	bank	NOUN
easat-2718	166	3	must	must	AUX
easat-2718	166	4	pay	pay	VERB
easat-2718	166	5	more	more	ADJ
easat-2718	166	6	attention	attention	NOUN
easat-2718	166	7	to	to	ADP
easat-2718	166	8	starting	start	VERB
easat-2718	166	9	the	the	DET
easat-2718	166	10	irrbb	irrbb	NOUN
easat-2718	166	11	identification	identification	NOUN
easat-2718	166	12	and	and	CCONJ
easat-2718	166	13	measurement	measurement	NOUN
easat-2718	166	14	process	process	NOUN
easat-2718	166	15	.	.	PUNCT
easat-2718	167	1	in	in	ADP
easat-2718	167	2	group	group	NOUN
easat-2718	167	3	2	2	NUM
easat-2718	167	4	,	,	PUNCT
easat-2718	167	5	a	a	DET
easat-2718	167	6	minority	minority	NOUN
easat-2718	167	7	of	of	ADP
easat-2718	167	8	banks	bank	NOUN
easat-2718	167	9	have	have	AUX
easat-2718	167	10	implemented	implement	VERB
easat-2718	167	11	the	the	DET
easat-2718	167	12	irrrbb	irrrbb	PROPN
easat-2718	167	13	identification	identification	NOUN
easat-2718	167	14	at	at	ADP
easat-2718	167	15	threshold	threshold	NOUN
easat-2718	167	16	2	2	NUM
easat-2718	167	17	(	(	PUNCT
easat-2718	167	18	less	less	ADJ
easat-2718	167	19	than	than	ADP
easat-2718	167	20	50	50	NUM
easat-2718	167	21	%	%	NOUN
easat-2718	167	22	)	)	PUNCT
easat-2718	167	23	,	,	PUNCT
easat-2718	167	24	while	while	SCONJ
easat-2718	167	25	most	most	ADJ
easat-2718	167	26	banks	bank	NOUN
easat-2718	167	27	have	have	AUX
easat-2718	167	28	just	just	ADV
easat-2718	167	29	started	start	VERB
easat-2718	167	30	(	(	PUNCT
easat-2718	167	31	level	level	NOUN
easat-2718	167	32	1	1	NUM
easat-2718	167	33	)	)	PUNCT
easat-2718	167	34	or	or	CCONJ
easat-2718	167	35	have	have	AUX
easat-2718	167	36	not	not	PART
easat-2718	167	37	started	start	VERB
easat-2718	167	38	yet	yet	ADV
easat-2718	167	39	.	.	PUNCT
easat-2718	168	1	it	it	PRON
easat-2718	168	2	explains	explain	VERB
easat-2718	168	3	that	that	SCONJ
easat-2718	168	4	vietnamese	vietnamese	ADJ
easat-2718	168	5	banks	bank	NOUN
easat-2718	168	6	have	have	AUX
easat-2718	168	7	paid	pay	VERB
easat-2718	168	8	more	more	ADJ
easat-2718	168	9	attention	attention	NOUN
easat-2718	168	10	to	to	ADP
easat-2718	168	11	traditional	traditional	ADJ
easat-2718	168	12	risks	risk	NOUN
easat-2718	168	13	such	such	ADJ
easat-2718	168	14	as	as	ADP
easat-2718	168	15	credit	credit	NOUN
easat-2718	168	16	risk	risk	NOUN
easat-2718	168	17	and	and	CCONJ
easat-2718	168	18	liquidity	liquidity	NOUN
easat-2718	168	19	risk	risk	NOUN
easat-2718	168	20	,	,	PUNCT
easat-2718	168	21	so	so	ADV
easat-2718	168	22	irrbb	irrbb	PROPN
easat-2718	168	23	management	management	NOUN
easat-2718	168	24	has	have	AUX
easat-2718	168	25	been	be	AUX
easat-2718	168	26	implemented	implement	VERB
easat-2718	168	27	at	at	ADP
easat-2718	168	28	a	a	DET
easat-2718	168	29	low	low	ADJ
easat-2718	168	30	level	level	NOUN
easat-2718	168	31	.	.	PUNCT
easat-2718	169	1	4.3	4.3	NUM
easat-2718	169	2	.	.	PUNCT
easat-2718	170	1	irrbb	irrbb	PROPN
easat-2718	170	2	measurement	measurement	NOUN
easat-2718	170	3	and	and	CCONJ
easat-2718	170	4	assessment	assessment	NOUN
easat-2718	170	5	currently	currently	ADV
easat-2718	170	6	,	,	PUNCT
easat-2718	170	7	according	accord	VERB
easat-2718	170	8	to	to	ADP
easat-2718	170	9	circular	circular	ADJ
easat-2718	170	10	no.13/2018	no.13/2018	NOUN
easat-2718	170	11	/	/	SYM
easat-2718	170	12	tt	tt	PROPN
easat-2718	170	13	-	-	PUNCT
easat-2718	170	14	nhnn	nhnn	PROPN
easat-2718	170	15	,	,	PUNCT
easat-2718	170	16	irrbb	irrbb	PROPN
easat-2718	170	17	is	be	AUX
easat-2718	170	18	measured	measure	VERB
easat-2718	170	19	by	by	ADP
easat-2718	170	20	the	the	DET
easat-2718	170	21	analysis	analysis	NOUN
easat-2718	170	22	of	of	ADP
easat-2718	170	23	the	the	DET
easat-2718	170	24	repricing	reprice	VERB
easat-2718	170	25	gap	gap	NOUN
easat-2718	170	26	profile	profile	NOUN
easat-2718	170	27	,	,	PUNCT
easat-2718	170	28	which	which	PRON
easat-2718	170	29	assesses	assess	VERB
easat-2718	170	30	the	the	DET
easat-2718	170	31	impact	impact	NOUN
easat-2718	170	32	of	of	ADP
easat-2718	170	33	interest	interest	NOUN
easat-2718	170	34	rate	rate	NOUN
easat-2718	170	35	on	on	ADP
easat-2718	170	36	net	net	ADJ
easat-2718	170	37	interest	interest	NOUN
easat-2718	170	38	income	income	NOUN
easat-2718	170	39	(	(	PUNCT
easat-2718	170	40	change	change	NOUN
easat-2718	170	41	in	in	ADP
easat-2718	170	42	net	net	ADJ
easat-2718	170	43	interest	interest	NOUN
easat-2718	170	44	income	income	NOUN
easat-2718	170	45	iinii	iinii	ADJ
easat-2718	170	46	)	)	PUNCT
easat-2718	170	47	and	and	CCONJ
easat-2718	170	48	the	the	DET
easat-2718	170	49	economic	economic	ADJ
easat-2718	170	50	value	value	NOUN
easat-2718	170	51	of	of	ADP
easat-2718	170	52	equity	equity	NOUN
easat-2718	170	53	(	(	PUNCT
easat-2718	170	54	change	change	NOUN
easat-2718	170	55	in	in	ADP
easat-2718	170	56	economic	economic	ADJ
easat-2718	170	57	value	value	NOUN
easat-2718	170	58	of	of	ADP
easat-2718	170	59	equity	equity	NOUN
easat-2718	170	60	δeve	δeve	NOUN
easat-2718	170	61	)	)	PUNCT
easat-2718	170	62	.	.	PUNCT
easat-2718	171	1	figure	figure	NOUN
easat-2718	171	2	5	5	NUM
easat-2718	171	3	shows	show	VERB
easat-2718	171	4	the	the	DET
easat-2718	171	5	irrbb	irrbb	PROPN
easat-2718	171	6	measurement	measurement	NOUN
easat-2718	171	7	methods	method	NOUN
easat-2718	171	8	applied	apply	VERB
easat-2718	171	9	at	at	ADP
easat-2718	171	10	banks	bank	NOUN
easat-2718	171	11	in	in	ADP
easat-2718	171	12	group	group	NOUN
easat-2718	171	13	1	1	NUM
easat-2718	171	14	.	.	PUNCT
easat-2718	172	1	the	the	DET
easat-2718	172	2	data	datum	NOUN
easat-2718	172	3	indicate	indicate	VERB
easat-2718	172	4	that	that	SCONJ
easat-2718	172	5	in	in	ADP
easat-2718	172	6	addition	addition	NOUN
easat-2718	172	7	to	to	ADP
easat-2718	172	8	the	the	DET
easat-2718	172	9	technique	technique	NOUN
easat-2718	172	10	required	require	VERB
easat-2718	172	11	in	in	ADP
easat-2718	172	12	circular	circular	ADJ
easat-2718	172	13	no.13/2018	no.13/2018	NOUN
easat-2718	172	14	/	/	SYM
easat-2718	172	15	tt	tt	PROPN
easat-2718	172	16	-	-	PUNCT
easat-2718	172	17	nhnn	nhnn	PROPN
easat-2718	172	18	,	,	PUNCT
easat-2718	172	19	these	these	DET
easat-2718	172	20	banks	bank	NOUN
easat-2718	172	21	also	also	ADV
easat-2718	172	22	use	use	VERB
easat-2718	172	23	advanced	advanced	ADJ
easat-2718	172	24	methods	method	NOUN
easat-2718	172	25	such	such	ADJ
easat-2718	172	26	as	as	ADP
easat-2718	172	27	static	static	ADJ
easat-2718	172	28	simulation	simulation	NOUN
easat-2718	172	29	,	,	PUNCT
easat-2718	172	30	dynamic	dynamic	ADJ
easat-2718	172	31	simulation	simulation	NOUN
easat-2718	172	32	(	(	PUNCT
easat-2718	172	33	dynamic	dynamic	ADJ
easat-2718	172	34	simulation	simulation	NOUN
easat-2718	172	35	)	)	PUNCT
easat-2718	172	36	,	,	PUNCT
easat-2718	172	37	duration	duration	NOUN
easat-2718	172	38	gap	gap	NOUN
easat-2718	172	39	analysis	analysis	NOUN
easat-2718	172	40	,	,	PUNCT
easat-2718	172	41	cash	cash	NOUN
easat-2718	172	42	flow	flow	NOUN
easat-2718	172	43	analysis	analysis	NOUN
easat-2718	172	44	,	,	PUNCT
easat-2718	172	45	and	and	CCONJ
easat-2718	172	46	behavior	behavior	NOUN
easat-2718	172	47	analysis	analysis	NOUN
easat-2718	172	48	method	method	NOUN
easat-2718	172	49	.	.	PUNCT
easat-2718	173	1	however	however	ADV
easat-2718	173	2	,	,	PUNCT
easat-2718	173	3	the	the	DET
easat-2718	173	4	number	number	NOUN
easat-2718	173	5	of	of	ADP
easat-2718	173	6	commercial	commercial	ADJ
easat-2718	173	7	banks	bank	NOUN
easat-2718	173	8	in	in	ADP
easat-2718	173	9	group	group	NOUN
easat-2718	173	10	1	1	NUM
easat-2718	173	11	deploying	deploy	VERB
easat-2718	173	12	those	those	DET
easat-2718	173	13	advanced	advanced	ADJ
easat-2718	173	14	methods	method	NOUN
easat-2718	173	15	is	be	AUX
easat-2718	173	16	not	not	PART
easat-2718	173	17	much	much	ADJ
easat-2718	173	18	.	.	PUNCT
easat-2718	174	1	figure	figure	VERB
easat-2718	174	2	5	5	NUM
easat-2718	174	3	.	.	PUNCT
easat-2718	175	1	the	the	DET
easat-2718	175	2	uses	use	NOUN
easat-2718	175	3	of	of	ADP
easat-2718	175	4	irrbb	irrbb	PROPN
easat-2718	175	5	measurement	measurement	NOUN
easat-2718	175	6	methods	method	NOUN
easat-2718	175	7	in	in	ADP
easat-2718	175	8	group	group	NOUN
easat-2718	175	9	1	1	NUM
easat-2718	175	10	.	.	X
easat-2718	175	11	3369	3369	NUM
easat-2718	175	12	edelweiss	edelweiss	PROPN
easat-2718	175	13	applied	apply	VERB
easat-2718	175	14	science	science	NOUN
easat-2718	175	15	and	and	CCONJ
easat-2718	175	16	technology	technology	NOUN
easat-2718	175	17	issn	issn	PROPN
easat-2718	175	18	:	:	PUNCT
easat-2718	175	19	2576	2576	NUM
easat-2718	175	20	-	-	SYM
easat-2718	175	21	8484	8484	NUM
easat-2718	175	22	vol	vol	NOUN
easat-2718	175	23	.	.	PROPN
easat-2718	175	24	8	8	NUM
easat-2718	175	25	,	,	PUNCT
easat-2718	175	26	no	no	INTJ
easat-2718	175	27	.	.	NOUN
easat-2718	176	1	6	6	NUM
easat-2718	176	2	:	:	PUNCT
easat-2718	176	3	3361	3361	NUM
easat-2718	176	4	-	-	SYM
easat-2718	176	5	3380	3380	NUM
easat-2718	176	6	,	,	PUNCT
easat-2718	176	7	2024	2024	NUM
easat-2718	176	8	doi	doi	NOUN
easat-2718	176	9	:	:	PUNCT
easat-2718	176	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	176	11	©	©	PROPN
easat-2718	176	12	2024	2024	NUM
easat-2718	176	13	by	by	ADP
easat-2718	176	14	the	the	DET
easat-2718	176	15	authors	author	NOUN
easat-2718	176	16	;	;	PUNCT
easat-2718	176	17	licensee	licensee	PROPN
easat-2718	176	18	learning	learning	NOUN
easat-2718	176	19	gate	gate	NOUN
easat-2718	176	20	in	in	ADP
easat-2718	176	21	determining	determine	VERB
easat-2718	176	22	the	the	DET
easat-2718	176	23	required	require	VERB
easat-2718	176	24	capital	capital	NOUN
easat-2718	176	25	adequacy	adequacy	NOUN
easat-2718	176	26	for	for	ADP
easat-2718	176	27	irrbb	irrbb	NOUN
easat-2718	176	28	,	,	PUNCT
easat-2718	176	29	the	the	DET
easat-2718	176	30	calculation	calculation	NOUN
easat-2718	176	31	is	be	AUX
easat-2718	176	32	typically	typically	ADV
easat-2718	176	33	conducted	conduct	VERB
easat-2718	176	34	through	through	ADP
easat-2718	176	35	a	a	DET
easat-2718	176	36	stress	stress	NOUN
easat-2718	176	37	test	test	NOUN
easat-2718	176	38	.	.	PUNCT
easat-2718	177	1	circular	circular	ADJ
easat-2718	177	2	no	no	INTJ
easat-2718	177	3	.	.	PUNCT
easat-2718	178	1	13/2018	13/2018	NUM
easat-2718	178	2	/	/	SYM
easat-2718	178	3	tt	tt	PROPN
easat-2718	178	4	-	-	PUNCT
easat-2718	178	5	nhnn	nhnn	ADJ
easat-2718	178	6	mandates	mandate	NOUN
easat-2718	178	7	commercial	commercial	ADJ
easat-2718	178	8	banks	bank	NOUN
easat-2718	178	9	to	to	PART
easat-2718	178	10	perform	perform	VERB
easat-2718	178	11	stress	stress	NOUN
easat-2718	178	12	tests	test	NOUN
easat-2718	178	13	for	for	ADP
easat-2718	178	14	material	material	ADJ
easat-2718	178	15	risks	risk	NOUN
easat-2718	178	16	,	,	PUNCT
easat-2718	178	17	including	include	VERB
easat-2718	178	18	irrbb	irrbb	NOUN
easat-2718	178	19	.	.	PUNCT
easat-2718	179	1	however	however	ADV
easat-2718	179	2	,	,	PUNCT
easat-2718	179	3	within	within	ADP
easat-2718	179	4	group	group	NOUN
easat-2718	179	5	1	1	NUM
easat-2718	179	6	,	,	PUNCT
easat-2718	179	7	only	only	ADV
easat-2718	179	8	a	a	DET
easat-2718	179	9	few	few	ADJ
easat-2718	179	10	commercial	commercial	ADJ
easat-2718	179	11	banks	bank	NOUN
easat-2718	179	12	engage	engage	VERB
easat-2718	179	13	in	in	ADP
easat-2718	179	14	stress	stress	NOUN
easat-2718	179	15	tests	test	NOUN
easat-2718	179	16	,	,	PUNCT
easat-2718	179	17	particularly	particularly	ADV
easat-2718	179	18	for	for	ADP
easat-2718	179	19	additional	additional	ADJ
easat-2718	179	20	risks	risk	NOUN
easat-2718	179	21	in	in	ADP
easat-2718	179	22	pillar	pillar	NOUN
easat-2718	179	23	2	2	NUM
easat-2718	179	24	,	,	PUNCT
easat-2718	179	25	such	such	ADJ
easat-2718	179	26	as	as	ADP
easat-2718	179	27	irrbb	irrbb	PROPN
easat-2718	179	28	.	.	PUNCT
easat-2718	180	1	specifically	specifically	ADV
easat-2718	180	2	,	,	PUNCT
easat-2718	180	3	out	out	ADP
easat-2718	180	4	of	of	ADP
easat-2718	180	5	the	the	DET
easat-2718	180	6	nine	nine	NUM
easat-2718	180	7	commercial	commercial	ADJ
easat-2718	180	8	banks	bank	NOUN
easat-2718	180	9	in	in	ADP
easat-2718	180	10	group	group	NOUN
easat-2718	180	11	1	1	NUM
easat-2718	180	12	,	,	PUNCT
easat-2718	180	13	only	only	ADV
easat-2718	180	14	two	two	NUM
easat-2718	180	15	have	have	AUX
easat-2718	180	16	performed	perform	VERB
easat-2718	180	17	stress	stress	NOUN
easat-2718	180	18	tests	test	NOUN
easat-2718	180	19	for	for	ADP
easat-2718	180	20	irrbb	irrbb	NOUN
easat-2718	180	21	.	.	PUNCT
easat-2718	181	1	the	the	DET
easat-2718	181	2	remaining	remain	VERB
easat-2718	181	3	banks	bank	NOUN
easat-2718	181	4	need	need	VERB
easat-2718	181	5	to	to	PART
easat-2718	181	6	implement	implement	VERB
easat-2718	181	7	the	the	DET
easat-2718	181	8	tests	test	NOUN
easat-2718	181	9	or	or	CCONJ
easat-2718	181	10	have	have	AUX
easat-2718	181	11	conducted	conduct	VERB
easat-2718	181	12	them	they	PRON
easat-2718	181	13	without	without	ADP
easat-2718	181	14	applying	apply	VERB
easat-2718	181	15	the	the	DET
easat-2718	181	16	output	output	NOUN
easat-2718	181	17	to	to	PART
easat-2718	181	18	calculate	calculate	VERB
easat-2718	181	19	the	the	DET
easat-2718	181	20	necessary	necessary	ADJ
easat-2718	181	21	internal	internal	ADJ
easat-2718	181	22	capital	capital	NOUN
easat-2718	181	23	.	.	PUNCT
easat-2718	182	1	4.4	4.4	NUM
easat-2718	182	2	.	.	PUNCT
easat-2718	183	1	irrbb	irrbb	PROPN
easat-2718	183	2	monitoring	monitoring	NOUN
easat-2718	183	3	and	and	CCONJ
easat-2718	183	4	controls	control	NOUN
easat-2718	183	5	according	accord	VERB
easat-2718	183	6	to	to	ADP
easat-2718	183	7	circular	circular	ADJ
easat-2718	183	8	no.13/2018	no.13/2018	NOUN
easat-2718	183	9	/	/	SYM
easat-2718	183	10	tt	tt	PROPN
easat-2718	183	11	-	-	PUNCT
easat-2718	183	12	nhnn	nhnn	PROPN
easat-2718	183	13	,	,	PUNCT
easat-2718	183	14	vietnamese	vietnamese	ADJ
easat-2718	183	15	commercial	commercial	ADJ
easat-2718	183	16	banks	bank	NOUN
easat-2718	183	17	must	must	AUX
easat-2718	183	18	monitor	monitor	VERB
easat-2718	183	19	and	and	CCONJ
easat-2718	183	20	control	control	VERB
easat-2718	183	21	the	the	DET
easat-2718	183	22	irrbb	irrbb	NOUN
easat-2718	183	23	.	.	PUNCT
easat-2718	184	1	the	the	DET
easat-2718	184	2	monitoring	monitoring	NOUN
easat-2718	184	3	and	and	CCONJ
easat-2718	184	4	control	control	NOUN
easat-2718	184	5	of	of	ADP
easat-2718	184	6	irrbb	irrbb	NOUN
easat-2718	184	7	must	must	AUX
easat-2718	184	8	ensure	ensure	VERB
easat-2718	184	9	compliance	compliance	NOUN
easat-2718	184	10	with	with	ADP
easat-2718	184	11	risk	risk	NOUN
easat-2718	184	12	limits	limit	NOUN
easat-2718	184	13	and	and	CCONJ
easat-2718	184	14	have	have	VERB
easat-2718	184	15	an	an	DET
easat-2718	184	16	early	early	ADJ
easat-2718	184	17	warning	warning	NOUN
easat-2718	184	18	system	system	NOUN
easat-2718	184	19	in	in	ADP
easat-2718	184	20	case	case	NOUN
easat-2718	184	21	of	of	ADP
easat-2718	184	22	exceeding	exceed	VERB
easat-2718	184	23	the	the	DET
easat-2718	184	24	limits	limit	NOUN
easat-2718	184	25	.	.	PUNCT
easat-2718	185	1	at	at	ADP
easat-2718	185	2	commercial	commercial	ADJ
easat-2718	185	3	banks	bank	NOUN
easat-2718	185	4	,	,	PUNCT
easat-2718	185	5	the	the	DET
easat-2718	185	6	risk	risk	NOUN
easat-2718	185	7	management	management	NOUN
easat-2718	185	8	department	department	NOUN
easat-2718	185	9	gives	give	VERB
easat-2718	185	10	the	the	DET
easat-2718	185	11	limit	limit	NOUN
easat-2718	185	12	,	,	PUNCT
easat-2718	185	13	which	which	PRON
easat-2718	185	14	is	be	AUX
easat-2718	185	15	then	then	ADV
easat-2718	185	16	submitted	submit	VERB
easat-2718	185	17	to	to	ADP
easat-2718	185	18	the	the	DET
easat-2718	185	19	board	board	NOUN
easat-2718	185	20	of	of	ADP
easat-2718	185	21	directors	director	NOUN
easat-2718	185	22	for	for	ADP
easat-2718	185	23	approval	approval	NOUN
easat-2718	185	24	and	and	CCONJ
easat-2718	185	25	issued	issue	VERB
easat-2718	185	26	by	by	ADP
easat-2718	185	27	the	the	DET
easat-2718	185	28	ceo	ceo	NOUN
easat-2718	185	29	based	base	VERB
easat-2718	185	30	on	on	ADP
easat-2718	185	31	the	the	DET
easat-2718	185	32	approval	approval	NOUN
easat-2718	185	33	of	of	ADP
easat-2718	185	34	the	the	DET
easat-2718	185	35	board	board	NOUN
easat-2718	185	36	of	of	ADP
easat-2718	185	37	directors	director	NOUN
easat-2718	185	38	.	.	PUNCT
easat-2718	186	1	the	the	DET
easat-2718	186	2	limit	limit	NOUN
easat-2718	186	3	is	be	AUX
easat-2718	186	4	usually	usually	ADV
easat-2718	186	5	approved	approve	VERB
easat-2718	186	6	annually	annually	ADV
easat-2718	186	7	and	and	CCONJ
easat-2718	186	8	is	be	AUX
easat-2718	186	9	periodically	periodically	ADV
easat-2718	186	10	re	re	VERB
easat-2718	186	11	-	-	VERB
easat-2718	186	12	evaluated	evaluated	ADJ
easat-2718	186	13	or	or	CCONJ
easat-2718	186	14	when	when	SCONJ
easat-2718	186	15	the	the	DET
easat-2718	186	16	market	market	NOUN
easat-2718	186	17	changes	change	VERB
easat-2718	186	18	abnormally	abnormally	ADV
easat-2718	186	19	or	or	CCONJ
easat-2718	186	20	in	in	ADP
easat-2718	186	21	crisis	crisis	NOUN
easat-2718	186	22	conditions	condition	NOUN
easat-2718	186	23	to	to	PART
easat-2718	186	24	ensure	ensure	VERB
easat-2718	186	25	irrbb	irrbb	NOUN
easat-2718	186	26	management	management	NOUN
easat-2718	186	27	is	be	AUX
easat-2718	186	28	maintained	maintain	VERB
easat-2718	186	29	in	in	ADP
easat-2718	186	30	all	all	DET
easat-2718	186	31	cases	case	NOUN
easat-2718	186	32	.	.	PUNCT
easat-2718	187	1	it	it	PRON
easat-2718	187	2	can	can	AUX
easat-2718	187	3	be	be	AUX
easat-2718	187	4	seen	see	VERB
easat-2718	187	5	from	from	ADP
easat-2718	187	6	figure	figure	NOUN
easat-2718	187	7	6	6	NUM
easat-2718	187	8	that	that	SCONJ
easat-2718	187	9	at	at	ADP
easat-2718	187	10	commercial	commercial	ADJ
easat-2718	187	11	banks	bank	NOUN
easat-2718	187	12	in	in	ADP
easat-2718	187	13	group	group	NOUN
easat-2718	187	14	1	1	NUM
easat-2718	187	15	,	,	PUNCT
easat-2718	187	16	the	the	DET
easat-2718	187	17	implementation	implementation	NOUN
easat-2718	187	18	of	of	ADP
easat-2718	187	19	irrbb	irrbb	NOUN
easat-2718	187	20	monitoring	monitoring	NOUN
easat-2718	187	21	and	and	CCONJ
easat-2718	187	22	control	control	NOUN
easat-2718	187	23	is	be	AUX
easat-2718	187	24	relatively	relatively	ADV
easat-2718	187	25	good	good	ADJ
easat-2718	187	26	(	(	PUNCT
easat-2718	187	27	mean	mean	NOUN
easat-2718	187	28	=	=	NOUN
easat-2718	187	29	2.89	2.89	NUM
easat-2718	187	30	)	)	PUNCT
easat-2718	187	31	.	.	PUNCT
easat-2718	188	1	some	some	DET
easat-2718	188	2	commercial	commercial	ADJ
easat-2718	188	3	banks	bank	NOUN
easat-2718	188	4	have	have	AUX
easat-2718	188	5	implemented	implement	VERB
easat-2718	188	6	at	at	ADP
easat-2718	188	7	100	100	NUM
easat-2718	188	8	%	%	NOUN
easat-2718	188	9	,	,	PUNCT
easat-2718	188	10	meaning	mean	VERB
easat-2718	188	11	a	a	DET
easat-2718	188	12	full	full	ADJ
easat-2718	188	13	establishment	establishment	NOUN
easat-2718	188	14	of	of	ADP
easat-2718	188	15	risk	risk	NOUN
easat-2718	188	16	limits	limit	NOUN
easat-2718	188	17	and	and	CCONJ
easat-2718	188	18	early	early	ADJ
easat-2718	188	19	warning	warning	NOUN
easat-2718	188	20	systems	system	NOUN
easat-2718	188	21	of	of	ADP
easat-2718	188	22	risks	risk	NOUN
easat-2718	188	23	.	.	PUNCT
easat-2718	189	1	the	the	DET
easat-2718	189	2	remaining	remain	VERB
easat-2718	189	3	commercial	commercial	ADJ
easat-2718	189	4	banks	bank	NOUN
easat-2718	189	5	mainly	mainly	ADV
easat-2718	189	6	perform	perform	VERB
easat-2718	189	7	at	at	ADP
easat-2718	189	8	the	the	DET
easat-2718	189	9	level	level	NOUN
easat-2718	189	10	of	of	ADP
easat-2718	189	11	over	over	ADP
easat-2718	189	12	50	50	NUM
easat-2718	189	13	%	%	NOUN
easat-2718	189	14	.	.	PUNCT
easat-2718	190	1	however	however	ADV
easat-2718	190	2	,	,	PUNCT
easat-2718	190	3	there	there	PRON
easat-2718	190	4	are	be	VERB
easat-2718	190	5	still	still	ADV
easat-2718	190	6	commercial	commercial	ADJ
easat-2718	190	7	banks	bank	NOUN
easat-2718	190	8	performing	perform	VERB
easat-2718	190	9	below	below	ADP
easat-2718	190	10	50	50	NUM
easat-2718	190	11	%	%	NOUN
easat-2718	190	12	.	.	PUNCT
easat-2718	191	1	figure	figure	NOUN
easat-2718	191	2	6	6	NUM
easat-2718	191	3	.	.	PUNCT
easat-2718	192	1	the	the	DET
easat-2718	192	2	level	level	NOUN
easat-2718	192	3	of	of	ADP
easat-2718	192	4	monitoring	monitoring	NOUN
easat-2718	192	5	and	and	CCONJ
easat-2718	192	6	control	control	NOUN
easat-2718	192	7	of	of	ADP
easat-2718	192	8	irrbb	irrbb	PROPN
easat-2718	192	9	.	.	PUNCT
easat-2718	193	1	the	the	DET
easat-2718	193	2	figure	figure	NOUN
easat-2718	193	3	also	also	ADV
easat-2718	193	4	indicates	indicate	VERB
easat-2718	193	5	that	that	SCONJ
easat-2718	193	6	the	the	DET
easat-2718	193	7	risk	risk	NOUN
easat-2718	193	8	control	control	NOUN
easat-2718	193	9	at	at	ADP
easat-2718	193	10	foreign	foreign	ADJ
easat-2718	193	11	commercial	commercial	ADJ
easat-2718	193	12	banks	bank	NOUN
easat-2718	193	13	is	be	AUX
easat-2718	193	14	better	well	ADV
easat-2718	193	15	implemented	implement	VERB
easat-2718	193	16	than	than	ADP
easat-2718	193	17	that	that	PRON
easat-2718	193	18	of	of	ADP
easat-2718	193	19	vietnamese	vietnamese	ADJ
easat-2718	193	20	banks	bank	NOUN
easat-2718	193	21	.	.	PUNCT
easat-2718	194	1	these	these	DET
easat-2718	194	2	foreign	foreign	ADJ
easat-2718	194	3	commercial	commercial	ADJ
easat-2718	194	4	banks	bank	NOUN
easat-2718	194	5	have	have	AUX
easat-2718	194	6	completed	complete	VERB
easat-2718	194	7	the	the	DET
easat-2718	194	8	risk	risk	NOUN
easat-2718	194	9	-	-	PUNCT
easat-2718	194	10	based	base	VERB
easat-2718	194	11	risk	risk	NOUN
easat-2718	194	12	control	control	NOUN
easat-2718	194	13	and	and	CCONJ
easat-2718	194	14	have	have	VERB
easat-2718	194	15	an	an	DET
easat-2718	194	16	early	early	ADJ
easat-2718	194	17	warning	warning	NOUN
easat-2718	194	18	system	system	NOUN
easat-2718	194	19	for	for	ADP
easat-2718	194	20	risk	risk	NOUN
easat-2718	194	21	exceeding	exceed	VERB
easat-2718	194	22	the	the	DET
easat-2718	194	23	limit	limit	NOUN
easat-2718	194	24	.	.	PUNCT
easat-2718	195	1	as	as	ADP
easat-2718	195	2	for	for	ADP
easat-2718	195	3	commercial	commercial	ADJ
easat-2718	195	4	banks	bank	NOUN
easat-2718	195	5	in	in	ADP
easat-2718	195	6	group	group	NOUN
easat-2718	195	7	2	2	NUM
easat-2718	195	8	,	,	PUNCT
easat-2718	195	9	most	most	ADJ
easat-2718	195	10	of	of	ADP
easat-2718	195	11	these	these	DET
easat-2718	195	12	commercial	commercial	ADJ
easat-2718	195	13	banks	bank	NOUN
easat-2718	195	14	are	be	AUX
easat-2718	195	15	performing	perform	VERB
easat-2718	195	16	below	below	ADP
easat-2718	195	17	50	50	NUM
easat-2718	195	18	%	%	NOUN
easat-2718	195	19	(	(	PUNCT
easat-2718	195	20	level	level	NOUN
easat-2718	195	21	2	2	NUM
easat-2718	195	22	)	)	PUNCT
easat-2718	195	23	.	.	PUNCT
easat-2718	196	1	some	some	DET
easat-2718	196	2	banks	bank	NOUN
easat-2718	196	3	have	have	AUX
easat-2718	196	4	not	not	PART
easat-2718	196	5	taken	take	VERB
easat-2718	196	6	this	this	DET
easat-2718	196	7	step	step	NOUN
easat-2718	196	8	yet	yet	ADV
easat-2718	196	9	.	.	PUNCT
easat-2718	197	1	4.5	4.5	NUM
easat-2718	197	2	.	.	PUNCT
easat-2718	198	1	irrbb	irrbb	PROPN
easat-2718	198	2	report	report	NOUN
easat-2718	198	3	according	accord	VERB
easat-2718	198	4	to	to	ADP
easat-2718	198	5	circular	circular	ADJ
easat-2718	198	6	no.13/2018	no.13/2018	NOUN
easat-2718	198	7	/	/	SYM
easat-2718	198	8	tt	tt	PROPN
easat-2718	198	9	-	-	PUNCT
easat-2718	198	10	nhnn	nhnn	PROPN
easat-2718	198	11	on	on	ADP
easat-2718	198	12	internal	internal	ADJ
easat-2718	198	13	reporting	reporting	NOUN
easat-2718	198	14	for	for	ADP
easat-2718	198	15	irrbb	irrbb	NOUN
easat-2718	198	16	,	,	PUNCT
easat-2718	198	17	commercial	commercial	ADJ
easat-2718	198	18	banks	bank	NOUN
easat-2718	198	19	must	must	AUX
easat-2718	198	20	make	make	VERB
easat-2718	198	21	periodic	periodic	ADJ
easat-2718	198	22	reports	report	NOUN
easat-2718	198	23	at	at	ADP
easat-2718	198	24	least	least	ADJ
easat-2718	198	25	quarterly	quarterly	ADJ
easat-2718	198	26	or	or	CCONJ
easat-2718	198	27	unexpectedly	unexpectedly	ADV
easat-2718	198	28	.	.	PUNCT
easat-2718	199	1	the	the	DET
easat-2718	199	2	content	content	NOUN
easat-2718	199	3	of	of	ADP
easat-2718	199	4	the	the	DET
easat-2718	199	5	report	report	NOUN
easat-2718	199	6	must	must	AUX
easat-2718	199	7	include	include	VERB
easat-2718	199	8	(	(	PUNCT
easat-2718	199	9	i	i	NOUN
easat-2718	199	10	)	)	PUNCT
easat-2718	199	11	risk	risk	NOUN
easat-2718	199	12	position	position	NOUN
easat-2718	199	13	including	include	VERB
easat-2718	199	14	repricing	reprice	VERB
easat-2718	199	15	gap	gap	NOUN
easat-2718	199	16	,	,	PUNCT
easat-2718	199	17	nii	nii	PROPN
easat-2718	199	18	change	change	NOUN
easat-2718	199	19	,	,	PUNCT
easat-2718	199	20	eve	eve	NOUN
easat-2718	199	21	change	change	NOUN
easat-2718	199	22	(	(	PUNCT
easat-2718	199	23	if	if	SCONJ
easat-2718	199	24	any	any	PRON
easat-2718	199	25	)	)	PUNCT
easat-2718	199	26	;	;	PUNCT
easat-2718	199	27	(	(	PUNCT
easat-2718	199	28	ii	ii	NOUN
easat-2718	199	29	)	)	PUNCT
easat-2718	199	30	status	status	NOUN
easat-2718	199	31	of	of	ADP
easat-2718	199	32	compliance	compliance	NOUN
easat-2718	199	33	with	with	ADP
easat-2718	199	34	irrbb	irrbb	PROPN
easat-2718	199	35	limits	limit	NOUN
easat-2718	199	36	;	;	PUNCT
easat-2718	199	37	(	(	PUNCT
easat-2718	199	38	iii	iii	X
easat-2718	199	39	)	)	PUNCT
easat-2718	199	40	instruments	instrument	NOUN
easat-2718	199	41	used	use	VERB
easat-2718	199	42	to	to	PART
easat-2718	199	43	hedge	hedge	VERB
easat-2718	199	44	irrbb	irrbb	PROPN
easat-2718	199	45	and	and	CCONJ
easat-2718	199	46	the	the	DET
easat-2718	199	47	results	result	NOUN
easat-2718	199	48	of	of	ADP
easat-2718	199	49	those	those	DET
easat-2718	199	50	instruments	instrument	NOUN
easat-2718	199	51	;	;	PUNCT
easat-2718	199	52	(	(	PUNCT
easat-2718	199	53	iv	iv	X
easat-2718	199	54	)	)	PUNCT
easat-2718	199	55	proposals	proposal	NOUN
easat-2718	199	56	and	and	CCONJ
easat-2718	199	57	recommendations	recommendation	NOUN
easat-2718	199	58	on	on	ADP
easat-2718	199	59	irrbb	irrbb	PROPN
easat-2718	199	60	management	management	NOUN
easat-2718	199	61	;	;	PUNCT
easat-2718	199	62	and	and	CCONJ
easat-2718	199	63	(	(	PUNCT
easat-2718	199	64	v	v	NOUN
easat-2718	199	65	)	)	PUNCT
easat-2718	199	66	results	result	NOUN
easat-2718	199	67	of	of	ADP
easat-2718	199	68	the	the	DET
easat-2718	199	69	implementation	implementation	NOUN
easat-2718	199	70	of	of	ADP
easat-2718	199	71	requests	request	NOUN
easat-2718	199	72	and	and	CCONJ
easat-2718	199	73	recommendations	recommendation	NOUN
easat-2718	199	74	on	on	ADP
easat-2718	199	75	irrbb	irrbb	PROPN
easat-2718	199	76	management	management	NOUN
easat-2718	199	77	from	from	ADP
easat-2718	199	78	stakeholders	stakeholder	NOUN
easat-2718	199	79	such	such	ADJ
easat-2718	199	80	as	as	ADP
easat-2718	199	81	internal	internal	ADJ
easat-2718	199	82	audit	audit	NOUN
easat-2718	199	83	,	,	PUNCT
easat-2718	199	84	sbv	sbv	PROPN
easat-2718	199	85	.	.	PUNCT
easat-2718	200	1	3370	3370	NUM
easat-2718	200	2	edelweiss	edelweiss	PROPN
easat-2718	200	3	applied	apply	VERB
easat-2718	200	4	science	science	NOUN
easat-2718	200	5	and	and	CCONJ
easat-2718	200	6	technology	technology	NOUN
easat-2718	200	7	issn	issn	PROPN
easat-2718	200	8	:	:	PUNCT
easat-2718	200	9	2576	2576	NUM
easat-2718	200	10	-	-	SYM
easat-2718	200	11	8484	8484	NUM
easat-2718	200	12	vol	vol	NOUN
easat-2718	200	13	.	.	PROPN
easat-2718	200	14	8	8	NUM
easat-2718	200	15	,	,	PUNCT
easat-2718	200	16	no	no	INTJ
easat-2718	200	17	.	.	NOUN
easat-2718	200	18	6	6	NUM
easat-2718	200	19	:	:	PUNCT
easat-2718	200	20	3361	3361	NUM
easat-2718	200	21	-	-	SYM
easat-2718	200	22	3380	3380	NUM
easat-2718	200	23	,	,	PUNCT
easat-2718	200	24	2024	2024	NUM
easat-2718	200	25	doi	doi	NOUN
easat-2718	200	26	:	:	PUNCT
easat-2718	200	27	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	200	28	©	©	PROPN
easat-2718	200	29	2024	2024	NUM
easat-2718	200	30	by	by	ADP
easat-2718	200	31	the	the	DET
easat-2718	200	32	authors	author	NOUN
easat-2718	200	33	;	;	PUNCT
easat-2718	200	34	licensee	licensee	PROPN
easat-2718	200	35	learning	learning	NOUN
easat-2718	200	36	gate	gate	NOUN
easat-2718	200	37	currently	currently	ADV
easat-2718	200	38	,	,	PUNCT
easat-2718	200	39	the	the	DET
easat-2718	200	40	implementation	implementation	NOUN
easat-2718	200	41	of	of	ADP
easat-2718	200	42	risk	risk	NOUN
easat-2718	200	43	reports	report	NOUN
easat-2718	200	44	at	at	ADP
easat-2718	200	45	commercial	commercial	ADJ
easat-2718	200	46	banks	bank	NOUN
easat-2718	200	47	in	in	ADP
easat-2718	200	48	group	group	NOUN
easat-2718	200	49	1	1	NUM
easat-2718	200	50	is	be	AUX
easat-2718	200	51	relatively	relatively	ADV
easat-2718	200	52	good	good	ADJ
easat-2718	200	53	,	,	PUNCT
easat-2718	200	54	with	with	ADP
easat-2718	200	55	4	4	NUM
easat-2718	200	56	out	out	ADP
easat-2718	200	57	of	of	ADP
easat-2718	200	58	9	9	NUM
easat-2718	200	59	fully	fully	ADV
easat-2718	200	60	implementing	implement	VERB
easat-2718	200	61	internal	internal	ADJ
easat-2718	200	62	reporting	reporting	NOUN
easat-2718	200	63	irrbb	irrbb	NOUN
easat-2718	200	64	.	.	PUNCT
easat-2718	201	1	only	only	ADV
easat-2718	201	2	two	two	NUM
easat-2718	201	3	commercial	commercial	ADJ
easat-2718	201	4	banks	bank	NOUN
easat-2718	201	5	have	have	VERB
easat-2718	201	6	a	a	DET
easat-2718	201	7	reporting	reporting	NOUN
easat-2718	201	8	level	level	NOUN
easat-2718	201	9	below	below	ADP
easat-2718	201	10	50	50	NUM
easat-2718	201	11	%	%	NOUN
easat-2718	201	12	.	.	PUNCT
easat-2718	202	1	risk	risk	NOUN
easat-2718	202	2	monitoring	monitoring	NOUN
easat-2718	202	3	is	be	AUX
easat-2718	202	4	done	do	VERB
easat-2718	202	5	much	much	ADV
easat-2718	202	6	lower	low	ADJ
easat-2718	202	7	for	for	ADP
easat-2718	202	8	commercial	commercial	ADJ
easat-2718	202	9	banks	bank	NOUN
easat-2718	202	10	that	that	PRON
easat-2718	202	11	have	have	AUX
easat-2718	202	12	not	not	PART
easat-2718	202	13	implemented	implement	VERB
easat-2718	202	14	basel	basel	PROPN
easat-2718	202	15	.	.	PUNCT
easat-2718	203	1	figure	figure	VERB
easat-2718	203	2	7	7	NUM
easat-2718	203	3	illustrates	illustrate	VERB
easat-2718	203	4	the	the	DET
easat-2718	203	5	level	level	NOUN
easat-2718	203	6	of	of	ADP
easat-2718	203	7	implementation	implementation	NOUN
easat-2718	203	8	of	of	ADP
easat-2718	203	9	irrbb	irrbb	NOUN
easat-2718	203	10	reporting	report	VERB
easat-2718	203	11	at	at	ADP
easat-2718	203	12	vietnamese	vietnamese	ADJ
easat-2718	203	13	commercial	commercial	ADJ
easat-2718	203	14	banks	bank	NOUN
easat-2718	203	15	.	.	PUNCT
easat-2718	204	1	figure	figure	VERB
easat-2718	204	2	7	7	NUM
easat-2718	204	3	.	.	PUNCT
easat-2718	205	1	the	the	DET
easat-2718	205	2	level	level	NOUN
easat-2718	205	3	of	of	ADP
easat-2718	205	4	irrbb	irrbb	NOUN
easat-2718	205	5	reporting	reporting	NOUN
easat-2718	205	6	.	.	PUNCT
easat-2718	206	1	the	the	DET
easat-2718	206	2	above	above	ADJ
easat-2718	206	3	figure	figure	NOUN
easat-2718	206	4	shows	show	VERB
easat-2718	206	5	that	that	SCONJ
easat-2718	206	6	although	although	SCONJ
easat-2718	206	7	there	there	PRON
easat-2718	206	8	is	be	VERB
easat-2718	206	9	still	still	ADV
easat-2718	206	10	a	a	DET
easat-2718	206	11	gap	gap	NOUN
easat-2718	206	12	between	between	ADP
easat-2718	206	13	vietnamese	vietnamese	ADJ
easat-2718	206	14	and	and	CCONJ
easat-2718	206	15	foreign	foreign	ADJ
easat-2718	206	16	banks	bank	NOUN
easat-2718	206	17	,	,	PUNCT
easat-2718	206	18	the	the	DET
easat-2718	206	19	internal	internal	ADJ
easat-2718	206	20	reporting	reporting	NOUN
easat-2718	206	21	implementation	implementation	NOUN
easat-2718	206	22	of	of	ADP
easat-2718	206	23	irrbb	irrbb	NOUN
easat-2718	206	24	at	at	ADP
easat-2718	206	25	banks	bank	NOUN
easat-2718	206	26	in	in	ADP
easat-2718	206	27	group	group	NOUN
easat-2718	206	28	1	1	NUM
easat-2718	206	29	has	have	AUX
easat-2718	206	30	approached	approach	VERB
easat-2718	206	31	commercial	commercial	ADJ
easat-2718	206	32	banks	bank	NOUN
easat-2718	206	33	in	in	ADP
easat-2718	206	34	group	group	NOUN
easat-2718	206	35	3	3	NUM
easat-2718	206	36	.	.	PUNCT
easat-2718	207	1	meanwhile	meanwhile	ADV
easat-2718	207	2	,	,	PUNCT
easat-2718	207	3	there	there	PRON
easat-2718	207	4	is	be	VERB
easat-2718	207	5	still	still	ADV
easat-2718	207	6	a	a	DET
easat-2718	207	7	big	big	ADJ
easat-2718	207	8	gap	gap	NOUN
easat-2718	207	9	between	between	ADP
easat-2718	207	10	banks	bank	NOUN
easat-2718	207	11	in	in	ADP
easat-2718	207	12	group	group	NOUN
easat-2718	207	13	2	2	NUM
easat-2718	207	14	with	with	ADP
easat-2718	207	15	the	the	DET
easat-2718	207	16	remaining	remain	VERB
easat-2718	207	17	commercial	commercial	ADJ
easat-2718	207	18	banks	bank	NOUN
easat-2718	207	19	.	.	PUNCT
easat-2718	208	1	it	it	PRON
easat-2718	208	2	is	be	AUX
easat-2718	208	3	also	also	ADV
easat-2718	208	4	consistent	consistent	ADJ
easat-2718	208	5	with	with	ADP
easat-2718	208	6	the	the	DET
easat-2718	208	7	level	level	NOUN
easat-2718	208	8	of	of	ADP
easat-2718	208	9	governance	governance	NOUN
easat-2718	208	10	implementation	implementation	NOUN
easat-2718	208	11	of	of	ADP
easat-2718	208	12	irrbb	irrbb	NOUN
easat-2718	208	13	in	in	ADP
easat-2718	208	14	three	three	NUM
easat-2718	208	15	groups	group	NOUN
easat-2718	208	16	of	of	ADP
easat-2718	208	17	commercial	commercial	ADJ
easat-2718	208	18	banks	bank	NOUN
easat-2718	208	19	.	.	PUNCT
easat-2718	209	1	generally	generally	ADV
easat-2718	209	2	,	,	PUNCT
easat-2718	209	3	there	there	PRON
easat-2718	209	4	is	be	VERB
easat-2718	209	5	still	still	ADV
easat-2718	209	6	a	a	DET
easat-2718	209	7	significant	significant	ADJ
easat-2718	209	8	gap	gap	NOUN
easat-2718	209	9	in	in	ADP
easat-2718	209	10	the	the	DET
easat-2718	209	11	implementation	implementation	NOUN
easat-2718	209	12	of	of	ADP
easat-2718	209	13	irrbb	irrbb	PROPN
easat-2718	209	14	management	management	NOUN
easat-2718	209	15	between	between	ADP
easat-2718	209	16	commercial	commercial	ADJ
easat-2718	209	17	banks	bank	NOUN
easat-2718	209	18	of	of	ADP
easat-2718	209	19	groups	group	NOUN
easat-2718	209	20	1	1	NUM
easat-2718	209	21	,	,	PUNCT
easat-2718	209	22	2	2	NUM
easat-2718	209	23	,	,	PUNCT
easat-2718	209	24	and	and	CCONJ
easat-2718	209	25	3	3	X
easat-2718	209	26	.	.	PUNCT
easat-2718	210	1	the	the	DET
easat-2718	210	2	implementation	implementation	NOUN
easat-2718	210	3	of	of	ADP
easat-2718	210	4	irrbb	irrbb	PROPN
easat-2718	210	5	management	management	NOUN
easat-2718	210	6	at	at	ADP
easat-2718	210	7	commercial	commercial	ADJ
easat-2718	210	8	banks	bank	NOUN
easat-2718	210	9	in	in	ADP
easat-2718	210	10	group	group	NOUN
easat-2718	210	11	3	3	NUM
easat-2718	210	12	is	be	AUX
easat-2718	210	13	entirely	entirely	ADV
easat-2718	210	14	completed	complete	VERB
easat-2718	210	15	in	in	ADP
easat-2718	210	16	many	many	ADJ
easat-2718	210	17	aspects	aspect	NOUN
easat-2718	210	18	,	,	PUNCT
easat-2718	210	19	while	while	SCONJ
easat-2718	210	20	banks	bank	NOUN
easat-2718	210	21	in	in	ADP
easat-2718	210	22	group	group	NOUN
easat-2718	210	23	1	1	NUM
easat-2718	210	24	only	only	ADV
easat-2718	210	25	implement	implement	VERB
easat-2718	210	26	irrbb	irrbb	NOUN
easat-2718	210	27	management	management	NOUN
easat-2718	210	28	at	at	ADP
easat-2718	210	29	around	around	ADV
easat-2718	210	30	2	2	NUM
easat-2718	210	31	(	(	PUNCT
easat-2718	210	32	nearly	nearly	ADV
easat-2718	210	33	50	50	NUM
easat-2718	210	34	%	%	NOUN
easat-2718	210	35	completed	complete	VERB
easat-2718	210	36	)	)	PUNCT
easat-2718	210	37	.	.	PUNCT
easat-2718	211	1	regarding	regard	VERB
easat-2718	211	2	group	group	NOUN
easat-2718	211	3	2	2	NUM
easat-2718	211	4	,	,	PUNCT
easat-2718	211	5	banks	bank	NOUN
easat-2718	211	6	have	have	AUX
easat-2718	211	7	deployed	deploy	VERB
easat-2718	211	8	at	at	ADP
easat-2718	211	9	a	a	DET
easat-2718	211	10	modest	modest	ADJ
easat-2718	211	11	level	level	NOUN
easat-2718	211	12	(	(	PUNCT
easat-2718	211	13	above	above	ADP
easat-2718	211	14	10	10	NUM
easat-2718	211	15	%	%	NOUN
easat-2718	211	16	)	)	PUNCT
easat-2718	211	17	.	.	PUNCT
easat-2718	212	1	in	in	ADP
easat-2718	212	2	conclusion	conclusion	NOUN
easat-2718	212	3	,	,	PUNCT
easat-2718	212	4	through	through	ADP
easat-2718	212	5	the	the	DET
easat-2718	212	6	survey	survey	NOUN
easat-2718	212	7	questionnaire	questionnaire	NOUN
easat-2718	212	8	,	,	PUNCT
easat-2718	212	9	most	most	ADJ
easat-2718	212	10	vietnamese	vietnamese	ADJ
easat-2718	212	11	commercial	commercial	ADJ
easat-2718	212	12	banks	bank	NOUN
easat-2718	212	13	are	be	AUX
easat-2718	212	14	increasingly	increasingly	ADV
easat-2718	212	15	aware	aware	ADJ
easat-2718	212	16	of	of	ADP
easat-2718	212	17	the	the	DET
easat-2718	212	18	critical	critical	ADJ
easat-2718	212	19	role	role	NOUN
easat-2718	212	20	of	of	ADP
easat-2718	212	21	irrbb	irrbb	PROPN
easat-2718	212	22	management	management	NOUN
easat-2718	212	23	in	in	ADP
easat-2718	212	24	the	the	DET
easat-2718	212	25	banking	banking	NOUN
easat-2718	212	26	business	business	NOUN
easat-2718	212	27	.	.	PUNCT
easat-2718	213	1	in	in	ADP
easat-2718	213	2	group	group	NOUN
easat-2718	213	3	1	1	NUM
easat-2718	213	4	,	,	PUNCT
easat-2718	213	5	the	the	DET
easat-2718	213	6	implementation	implementation	NOUN
easat-2718	213	7	of	of	ADP
easat-2718	213	8	irrbb	irrbb	NOUN
easat-2718	213	9	is	be	AUX
easat-2718	213	10	almost	almost	ADV
easat-2718	213	11	completed	complete	VERB
easat-2718	213	12	.	.	PUNCT
easat-2718	214	1	however	however	ADV
easat-2718	214	2	,	,	PUNCT
easat-2718	214	3	there	there	PRON
easat-2718	214	4	were	be	VERB
easat-2718	214	5	some	some	DET
easat-2718	214	6	issues	issue	NOUN
easat-2718	214	7	in	in	ADP
easat-2718	214	8	implementing	implement	VERB
easat-2718	214	9	irrbb	irrbb	NOUN
easat-2718	214	10	in	in	ADP
easat-2718	214	11	vietnamese	vietnamese	ADJ
easat-2718	214	12	commercial	commercial	ADJ
easat-2718	214	13	banks	bank	NOUN
easat-2718	214	14	.	.	PUNCT
easat-2718	215	1	first	first	ADV
easat-2718	215	2	,	,	PUNCT
easat-2718	215	3	the	the	DET
easat-2718	215	4	level	level	NOUN
easat-2718	215	5	of	of	ADP
easat-2718	215	6	implementation	implementation	NOUN
easat-2718	215	7	of	of	ADP
easat-2718	215	8	irrbb	irrbb	NOUN
easat-2718	215	9	,	,	PUNCT
easat-2718	215	10	in	in	ADP
easat-2718	215	11	general	general	ADJ
easat-2718	215	12	,	,	PUNCT
easat-2718	215	13	still	still	ADV
easat-2718	215	14	needs	need	VERB
easat-2718	215	15	to	to	PART
easat-2718	215	16	be	be	AUX
easat-2718	215	17	higher	high	ADJ
easat-2718	215	18	compared	compare	VERB
easat-2718	215	19	to	to	ADP
easat-2718	215	20	the	the	DET
easat-2718	215	21	requirements	requirement	NOUN
easat-2718	215	22	of	of	ADP
easat-2718	215	23	circular	circular	ADJ
easat-2718	215	24	13/2018	13/2018	NUM
easat-2718	215	25	/	/	SYM
easat-2718	215	26	tt	tt	PROPN
easat-2718	215	27	-	-	PUNCT
easat-2718	215	28	nhnn	nhnn	PROPN
easat-2718	215	29	and	and	CCONJ
easat-2718	215	30	basel	basel	PROPN
easat-2718	215	31	ii	ii	PROPN
easat-2718	215	32	.	.	PUNCT
easat-2718	216	1	second	second	ADJ
easat-2718	216	2	,	,	PUNCT
easat-2718	216	3	regarding	regard	VERB
easat-2718	216	4	the	the	DET
easat-2718	216	5	model	model	NOUN
easat-2718	216	6	of	of	ADP
easat-2718	216	7	rrlss	rrlss	PROPN
easat-2718	216	8	measurement	measurement	NOUN
easat-2718	216	9	,	,	PUNCT
easat-2718	216	10	commercial	commercial	ADJ
easat-2718	216	11	banks	bank	NOUN
easat-2718	216	12	are	be	AUX
easat-2718	216	13	applying	apply	VERB
easat-2718	216	14	a	a	DET
easat-2718	216	15	relatively	relatively	ADV
easat-2718	216	16	simple	simple	ADJ
easat-2718	216	17	repricing	repricing	NOUN
easat-2718	216	18	gap	gap	NOUN
easat-2718	216	19	model	model	NOUN
easat-2718	216	20	,	,	PUNCT
easat-2718	216	21	have	have	VERB
easat-2718	216	22	yet	yet	ADV
easat-2718	216	23	to	to	PART
easat-2718	216	24	use	use	VERB
easat-2718	216	25	advanced	advanced	ADJ
easat-2718	216	26	measurement	measurement	NOUN
easat-2718	216	27	methods	method	NOUN
easat-2718	216	28	,	,	PUNCT
easat-2718	216	29	and	and	CCONJ
easat-2718	216	30	perform	perform	VERB
easat-2718	216	31	stress	stress	NOUN
easat-2718	216	32	tests	test	NOUN
easat-2718	216	33	due	due	ADJ
easat-2718	216	34	to	to	ADP
easat-2718	216	35	the	the	DET
easat-2718	216	36	lack	lack	NOUN
easat-2718	216	37	of	of	ADP
easat-2718	216	38	some	some	DET
easat-2718	216	39	conditions	condition	NOUN
easat-2718	216	40	,	,	PUNCT
easat-2718	216	41	such	such	ADJ
easat-2718	216	42	as	as	ADP
easat-2718	216	43	interest	interest	NOUN
easat-2718	216	44	rate	rate	NOUN
easat-2718	216	45	curves	curve	NOUN
easat-2718	216	46	and	and	CCONJ
easat-2718	216	47	interest	interest	NOUN
easat-2718	216	48	rate	rate	NOUN
easat-2718	216	49	scenarios	scenario	NOUN
easat-2718	216	50	.	.	PUNCT
easat-2718	217	1	moreover	moreover	ADV
easat-2718	217	2	,	,	PUNCT
easat-2718	217	3	some	some	DET
easat-2718	217	4	banks	bank	NOUN
easat-2718	217	5	need	need	VERB
easat-2718	217	6	more	more	ADJ
easat-2718	217	7	resources	resource	NOUN
easat-2718	217	8	to	to	PART
easat-2718	217	9	conduct	conduct	VERB
easat-2718	217	10	new	new	ADJ
easat-2718	217	11	management	management	NOUN
easat-2718	217	12	methods	method	NOUN
easat-2718	217	13	.	.	PUNCT
easat-2718	218	1	the	the	DET
easat-2718	218	2	risk	risk	NOUN
easat-2718	218	3	manager	manager	NOUN
easat-2718	218	4	's	's	PART
easat-2718	218	5	awareness	awareness	NOUN
easat-2718	218	6	of	of	ADP
easat-2718	218	7	irrbb	irrbb	NOUN
easat-2718	218	8	still	still	ADV
easat-2718	218	9	needs	need	VERB
easat-2718	218	10	to	to	PART
easat-2718	218	11	be	be	AUX
easat-2718	218	12	improved	improve	VERB
easat-2718	218	13	.	.	PUNCT
easat-2718	219	1	last	last	ADJ
easat-2718	219	2	,	,	PUNCT
easat-2718	219	3	vietnam	vietnam	PROPN
easat-2718	219	4	lacks	lack	VERB
easat-2718	219	5	a	a	DET
easat-2718	219	6	legal	legal	ADJ
easat-2718	219	7	framework	framework	NOUN
easat-2718	219	8	for	for	ADP
easat-2718	219	9	interest	interest	NOUN
easat-2718	219	10	rate	rate	NOUN
easat-2718	219	11	risk	risk	NOUN
easat-2718	219	12	management	management	NOUN
easat-2718	219	13	.	.	PUNCT
easat-2718	220	1	circular	circular	ADJ
easat-2718	220	2	13/2018	13/2018	NUM
easat-2718	220	3	/	/	SYM
easat-2718	220	4	tt	tt	PROPN
easat-2718	220	5	-	-	PUNCT
easat-2718	220	6	nhnn	nhnn	PROPN
easat-2718	220	7	is	be	AUX
easat-2718	220	8	newly	newly	ADV
easat-2718	220	9	issued	issue	VERB
easat-2718	220	10	and	and	CCONJ
easat-2718	220	11	has	have	VERB
easat-2718	220	12	a	a	DET
easat-2718	220	13	relatively	relatively	ADV
easat-2718	220	14	short	short	ADJ
easat-2718	220	15	implementation	implementation	NOUN
easat-2718	220	16	period	period	NOUN
easat-2718	220	17	,	,	PUNCT
easat-2718	220	18	which	which	PRON
easat-2718	220	19	makes	make	VERB
easat-2718	220	20	it	it	PRON
easat-2718	220	21	challenging	challenge	VERB
easat-2718	220	22	to	to	PART
easat-2718	220	23	complete	complete	VERB
easat-2718	220	24	the	the	DET
easat-2718	220	25	irrbb	irrbb	NOUN
easat-2718	220	26	management	management	NOUN
easat-2718	220	27	mechanism	mechanism	NOUN
easat-2718	220	28	.	.	PUNCT
easat-2718	221	1	our	our	PRON
easat-2718	221	2	results	result	NOUN
easat-2718	221	3	align	align	VERB
easat-2718	221	4	with	with	ADP
easat-2718	221	5	previous	previous	ADJ
easat-2718	221	6	research	research	NOUN
easat-2718	221	7	conducted	conduct	VERB
easat-2718	221	8	by	by	ADP
easat-2718	221	9	do	do	AUX
easat-2718	221	10	et	et	PROPN
easat-2718	221	11	al	al	PROPN
easat-2718	221	12	.	.	PROPN
easat-2718	222	1	(	(	PUNCT
easat-2718	222	2	2018	2018	NUM
easat-2718	222	3	)	)	PUNCT
easat-2718	222	4	.	.	PUNCT
easat-2718	223	1	however	however	ADV
easat-2718	223	2	,	,	PUNCT
easat-2718	223	3	do	do	VERB
easat-2718	223	4	et	et	PROPN
easat-2718	223	5	al	al	PROPN
easat-2718	223	6	.	.	PROPN
easat-2718	224	1	(	(	PUNCT
easat-2718	224	2	2018	2018	NUM
easat-2718	224	3	)	)	PUNCT
easat-2718	224	4	just	just	ADV
easat-2718	224	5	stated	state	VERB
easat-2718	224	6	the	the	DET
easat-2718	224	7	current	current	ADJ
easat-2718	224	8	situation	situation	NOUN
easat-2718	224	9	of	of	ADP
easat-2718	224	10	irrbb	irrbb	PROPN
easat-2718	224	11	management	management	NOUN
easat-2718	224	12	of	of	ADP
easat-2718	224	13	commercial	commercial	ADJ
easat-2718	224	14	banks	bank	NOUN
easat-2718	224	15	in	in	ADP
easat-2718	224	16	vietnam	vietnam	PROPN
easat-2718	224	17	rather	rather	ADV
easat-2718	224	18	than	than	ADP
easat-2718	224	19	prove	prove	VERB
easat-2718	224	20	as	as	ADP
easat-2718	224	21	our	our	PRON
easat-2718	224	22	research	research	NOUN
easat-2718	224	23	.	.	PUNCT
easat-2718	225	1	4.6	4.6	NUM
easat-2718	225	2	.	.	PUNCT
easat-2718	225	3	simulation	simulation	NOUN
easat-2718	225	4	for	for	ADP
easat-2718	225	5	irrbb	irrbb	PROPN
easat-2718	225	6	management	management	NOUN
easat-2718	225	7	in	in	ADP
easat-2718	225	8	a	a	DET
easat-2718	225	9	vietnamese	vietnamese	ADJ
easat-2718	225	10	commercial	commercial	ADJ
easat-2718	225	11	bank	bank	PROPN
easat-2718	225	12	4.6.1	4.6.1	PROPN
easat-2718	225	13	.	.	PUNCT
easat-2718	226	1	irrbb	irrbb	PROPN
easat-2718	226	2	identification	identification	NOUN
easat-2718	226	3	to	to	PART
easat-2718	226	4	identify	identify	VERB
easat-2718	226	5	irrbb	irrbb	PROPN
easat-2718	226	6	,	,	PUNCT
easat-2718	226	7	bank	bank	PROPN
easat-2718	226	8	z	z	PROPN
easat-2718	226	9	issued	issue	VERB
easat-2718	226	10	internal	internal	ADJ
easat-2718	226	11	regulation	regulation	NOUN
easat-2718	226	12	and	and	CCONJ
easat-2718	226	13	guidance	guidance	NOUN
easat-2718	226	14	that	that	PRON
easat-2718	226	15	point	point	VERB
easat-2718	226	16	out	out	ADP
easat-2718	226	17	the	the	DET
easat-2718	226	18	positions	position	NOUN
easat-2718	226	19	in	in	ADP
easat-2718	226	20	the	the	DET
easat-2718	226	21	banking	banking	NOUN
easat-2718	226	22	and	and	CCONJ
easat-2718	226	23	trading	trading	NOUN
easat-2718	226	24	books	book	NOUN
easat-2718	226	25	of	of	ADP
easat-2718	226	26	commercial	commercial	ADJ
easat-2718	226	27	banks	bank	NOUN
easat-2718	226	28	.	.	PUNCT
easat-2718	227	1	the	the	DET
easat-2718	227	2	banking	banking	NOUN
easat-2718	227	3	book	book	NOUN
easat-2718	227	4	includes	include	VERB
easat-2718	227	5	positions	position	NOUN
easat-2718	227	6	that	that	PRON
easat-2718	227	7	do	do	VERB
easat-2718	227	8	not	not	PART
easat-2718	227	9	3371	3371	NUM
easat-2718	227	10	edelweiss	edelweiss	PROPN
easat-2718	227	11	applied	apply	VERB
easat-2718	227	12	science	science	NOUN
easat-2718	227	13	and	and	CCONJ
easat-2718	227	14	technology	technology	NOUN
easat-2718	227	15	issn	issn	PROPN
easat-2718	227	16	:	:	PUNCT
easat-2718	227	17	2576	2576	NUM
easat-2718	227	18	-	-	SYM
easat-2718	227	19	8484	8484	NUM
easat-2718	227	20	vol	vol	NOUN
easat-2718	227	21	.	.	PROPN
easat-2718	227	22	8	8	NUM
easat-2718	227	23	,	,	PUNCT
easat-2718	227	24	no	no	INTJ
easat-2718	227	25	.	.	NOUN
easat-2718	227	26	6	6	NUM
easat-2718	227	27	:	:	PUNCT
easat-2718	227	28	3361	3361	NUM
easat-2718	227	29	-	-	SYM
easat-2718	227	30	3380	3380	NUM
easat-2718	227	31	,	,	PUNCT
easat-2718	227	32	2024	2024	NUM
easat-2718	227	33	doi	doi	NOUN
easat-2718	227	34	:	:	PUNCT
easat-2718	227	35	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	227	36	©	©	PROPN
easat-2718	227	37	2024	2024	NUM
easat-2718	227	38	by	by	ADP
easat-2718	227	39	the	the	DET
easat-2718	227	40	authors	author	NOUN
easat-2718	227	41	;	;	PUNCT
easat-2718	227	42	licensee	licensee	PROPN
easat-2718	227	43	learning	learn	VERB
easat-2718	227	44	gate	gate	NOUN
easat-2718	227	45	belong	belong	VERB
easat-2718	227	46	to	to	ADP
easat-2718	227	47	trading	trading	NOUN
easat-2718	227	48	books	book	NOUN
easat-2718	227	49	.	.	PUNCT
easat-2718	228	1	the	the	DET
easat-2718	228	2	items	item	NOUN
easat-2718	228	3	in	in	ADP
easat-2718	228	4	the	the	DET
easat-2718	228	5	bank	bank	NOUN
easat-2718	228	6	book	book	NOUN
easat-2718	228	7	are	be	AUX
easat-2718	228	8	recorded	record	VERB
easat-2718	228	9	in	in	ADP
easat-2718	228	10	vnd	vnd	PROPN
easat-2718	228	11	or	or	CCONJ
easat-2718	228	12	foreign	foreign	ADJ
easat-2718	228	13	currencies	currency	NOUN
easat-2718	228	14	with	with	ADP
easat-2718	228	15	a	a	DET
easat-2718	228	16	value	value	NOUN
easat-2718	228	17	of	of	ADP
easat-2718	228	18	5	5	NUM
easat-2718	228	19	%	%	NOUN
easat-2718	228	20	of	of	ADP
easat-2718	228	21	total	total	ADJ
easat-2718	228	22	banks	bank	NOUN
easat-2718	228	23	'	'	PART
easat-2718	228	24	assets	asset	NOUN
easat-2718	228	25	or	or	CCONJ
easat-2718	228	26	more	more	ADJ
easat-2718	228	27	.	.	PUNCT
easat-2718	229	1	there	there	PRON
easat-2718	229	2	are	be	VERB
easat-2718	229	3	three	three	NUM
easat-2718	229	4	main	main	ADJ
easat-2718	229	5	types	type	NOUN
easat-2718	229	6	of	of	ADP
easat-2718	229	7	irrbb	irrbb	NOUN
easat-2718	229	8	gap	gap	NOUN
easat-2718	229	9	risk	risk	NOUN
easat-2718	229	10	:	:	PUNCT
easat-2718	229	11	basic	basic	ADJ
easat-2718	229	12	risk	risk	NOUN
easat-2718	229	13	,	,	PUNCT
easat-2718	229	14	optional	optional	ADJ
easat-2718	229	15	risk	risk	NOUN
easat-2718	229	16	,	,	PUNCT
easat-2718	229	17	and	and	CCONJ
easat-2718	229	18	gap	gap	NOUN
easat-2718	229	19	risk	risk	NOUN
easat-2718	229	20	itself	itself	PRON
easat-2718	229	21	.	.	PUNCT
easat-2718	230	1	gap	gap	NOUN
easat-2718	230	2	risk	risk	NOUN
easat-2718	230	3	includes	include	VERB
easat-2718	230	4	repricing	reprice	VERB
easat-2718	230	5	risk	risk	NOUN
easat-2718	230	6	,	,	PUNCT
easat-2718	230	7	which	which	PRON
easat-2718	230	8	occurs	occur	VERB
easat-2718	230	9	when	when	SCONJ
easat-2718	230	10	there	there	PRON
easat-2718	230	11	is	be	VERB
easat-2718	230	12	a	a	DET
easat-2718	230	13	difference	difference	NOUN
easat-2718	230	14	in	in	ADP
easat-2718	230	15	the	the	DET
easat-2718	230	16	repricing	reprice	VERB
easat-2718	230	17	time	time	NOUN
easat-2718	230	18	points	point	NOUN
easat-2718	230	19	of	of	ADP
easat-2718	230	20	assets	asset	NOUN
easat-2718	230	21	and	and	CCONJ
easat-2718	230	22	liabilities	liability	NOUN
easat-2718	230	23	,	,	PUNCT
easat-2718	230	24	and	and	CCONJ
easat-2718	230	25	yield	yield	VERB
easat-2718	230	26	curve	curve	NOUN
easat-2718	230	27	risk	risk	NOUN
easat-2718	230	28	,	,	PUNCT
easat-2718	230	29	which	which	PRON
easat-2718	230	30	arises	arise	VERB
easat-2718	230	31	from	from	ADP
easat-2718	230	32	movement	movement	NOUN
easat-2718	230	33	in	in	ADP
easat-2718	230	34	the	the	DET
easat-2718	230	35	yield	yield	NOUN
easat-2718	230	36	curves	curve	NOUN
easat-2718	230	37	of	of	ADP
easat-2718	230	38	terms	term	NOUN
easat-2718	230	39	in	in	ADP
easat-2718	230	40	a	a	DET
easat-2718	230	41	banking	banking	NOUN
easat-2718	230	42	book	book	NOUN
easat-2718	230	43	.	.	PUNCT
easat-2718	231	1	basic	basic	ADJ
easat-2718	231	2	risk	risk	NOUN
easat-2718	231	3	occurs	occur	VERB
easat-2718	231	4	when	when	SCONJ
easat-2718	231	5	the	the	DET
easat-2718	231	6	terms	term	NOUN
easat-2718	231	7	in	in	ADP
easat-2718	231	8	the	the	DET
easat-2718	231	9	banking	banking	NOUN
easat-2718	231	10	book	book	NOUN
easat-2718	231	11	are	be	AUX
easat-2718	231	12	priced	price	VERB
easat-2718	231	13	based	base	VERB
easat-2718	231	14	on	on	ADP
easat-2718	231	15	different	different	ADJ
easat-2718	231	16	yield	yield	NOUN
easat-2718	231	17	curves	curve	NOUN
easat-2718	231	18	.	.	PUNCT
easat-2718	232	1	option	option	NOUN
easat-2718	232	2	risk	risk	NOUN
easat-2718	232	3	occurs	occur	VERB
easat-2718	232	4	with	with	ADP
easat-2718	232	5	interest	interest	NOUN
easat-2718	232	6	rate	rate	NOUN
easat-2718	232	7	options	option	NOUN
easat-2718	232	8	(	(	PUNCT
easat-2718	232	9	such	such	ADJ
easat-2718	232	10	as	as	ADP
easat-2718	232	11	cap	cap	NOUN
easat-2718	232	12	,	,	PUNCT
easat-2718	232	13	floor	floor	NOUN
easat-2718	232	14	,	,	PUNCT
easat-2718	232	15	and	and	CCONJ
easat-2718	232	16	collar	collar	NOUN
easat-2718	232	17	)	)	PUNCT
easat-2718	232	18	and	and	CCONJ
easat-2718	232	19	behavioral	behavioral	ADJ
easat-2718	232	20	options	option	NOUN
easat-2718	232	21	(	(	PUNCT
easat-2718	232	22	when	when	SCONJ
easat-2718	232	23	a	a	DET
easat-2718	232	24	customer	customer	NOUN
easat-2718	232	25	has	have	VERB
easat-2718	232	26	behavioral	behavioral	ADJ
easat-2718	232	27	options	option	NOUN
easat-2718	232	28	different	different	ADJ
easat-2718	232	29	from	from	ADP
easat-2718	232	30	the	the	DET
easat-2718	232	31	contract	contract	NOUN
easat-2718	232	32	terms	term	NOUN
easat-2718	232	33	with	with	ADP
easat-2718	232	34	the	the	DET
easat-2718	232	35	bank	bank	NOUN
easat-2718	232	36	)	)	PUNCT
easat-2718	232	37	.	.	PUNCT
easat-2718	233	1	when	when	SCONJ
easat-2718	233	2	the	the	DET
easat-2718	233	3	above	above	ADJ
easat-2718	233	4	risks	risk	NOUN
easat-2718	233	5	occur	occur	VERB
easat-2718	233	6	and	and	CCONJ
easat-2718	233	7	affect	affect	VERB
easat-2718	233	8	the	the	DET
easat-2718	233	9	positions	position	NOUN
easat-2718	233	10	in	in	ADP
easat-2718	233	11	the	the	DET
easat-2718	233	12	banking	banking	NOUN
easat-2718	233	13	book	book	NOUN
easat-2718	233	14	,	,	PUNCT
easat-2718	233	15	they	they	PRON
easat-2718	233	16	likely	likely	ADV
easat-2718	233	17	adversely	adversely	ADV
easat-2718	233	18	affect	affect	VERB
easat-2718	233	19	the	the	DET
easat-2718	233	20	income	income	NOUN
easat-2718	233	21	and/or	and/or	CCONJ
easat-2718	233	22	capital	capital	NOUN
easat-2718	233	23	of	of	ADP
easat-2718	233	24	commercial	commercial	ADJ
easat-2718	233	25	bank	bank	PROPN
easat-2718	233	26	z	z	PROPN
easat-2718	233	27	,	,	PUNCT
easat-2718	233	28	which	which	PRON
easat-2718	233	29	is	be	AUX
easat-2718	233	30	recognized	recognize	VERB
easat-2718	233	31	as	as	ADP
easat-2718	233	32	irrbb	irrbb	PROPN
easat-2718	233	33	.	.	PUNCT
easat-2718	234	1	besides	besides	SCONJ
easat-2718	234	2	,	,	PUNCT
easat-2718	234	3	the	the	DET
easat-2718	234	4	interest	interest	NOUN
easat-2718	234	5	rate	rate	NOUN
easat-2718	234	6	profile	profile	NOUN
easat-2718	234	7	is	be	AUX
easat-2718	234	8	built	build	VERB
easat-2718	234	9	and	and	CCONJ
easat-2718	234	10	monitored	monitor	VERB
easat-2718	234	11	regularly	regularly	ADV
easat-2718	234	12	.	.	PUNCT
easat-2718	235	1	this	this	DET
easat-2718	235	2	profile	profile	NOUN
easat-2718	235	3	includes	include	VERB
easat-2718	235	4	information	information	NOUN
easat-2718	235	5	related	relate	VERB
easat-2718	235	6	to	to	ADP
easat-2718	235	7	interest	interest	NOUN
easat-2718	235	8	rates	rate	NOUN
easat-2718	235	9	,	,	PUNCT
easat-2718	235	10	yield	yield	NOUN
easat-2718	235	11	curves	curve	NOUN
easat-2718	235	12	,	,	PUNCT
easat-2718	235	13	maturities	maturity	NOUN
easat-2718	235	14	,	,	PUNCT
easat-2718	235	15	and	and	CCONJ
easat-2718	235	16	tenors	tenor	NOUN
easat-2718	235	17	of	of	ADP
easat-2718	235	18	terms	term	NOUN
easat-2718	235	19	in	in	ADP
easat-2718	235	20	the	the	DET
easat-2718	235	21	banking	banking	NOUN
easat-2718	235	22	book	book	NOUN
easat-2718	235	23	.	.	PUNCT
easat-2718	236	1	this	this	DET
easat-2718	236	2	method	method	NOUN
easat-2718	236	3	of	of	ADP
easat-2718	236	4	irrbbe	irrbbe	NOUN
easat-2718	236	5	identification	identification	NOUN
easat-2718	236	6	followed	follow	VERB
easat-2718	236	7	the	the	DET
easat-2718	236	8	principals	principal	NOUN
easat-2718	236	9	and	and	CCONJ
easat-2718	236	10	the	the	DET
easat-2718	236	11	guidelines	guideline	NOUN
easat-2718	236	12	of	of	ADP
easat-2718	236	13	bcbs	bcbs	PROPN
easat-2718	236	14	(	(	PUNCT
easat-2718	236	15	2016	2016	NUM
easat-2718	236	16	)	)	PUNCT
easat-2718	236	17	and	and	CCONJ
easat-2718	236	18	eba	eba	NOUN
easat-2718	236	19	(	(	PUNCT
easat-2718	236	20	2018	2018	NUM
easat-2718	236	21	)	)	PUNCT
easat-2718	236	22	.	.	PUNCT
easat-2718	237	1	4.7	4.7	NUM
easat-2718	237	2	.	.	PUNCT
easat-2718	238	1	irrbb	irrbb	PROPN
easat-2718	238	2	measurement	measurement	NOUN
easat-2718	238	3	and	and	CCONJ
easat-2718	238	4	assessment	assessment	NOUN
easat-2718	238	5	according	accord	VERB
easat-2718	238	6	to	to	ADP
easat-2718	238	7	circular	circular	ADJ
easat-2718	238	8	no.13/2018	no.13/2018	NOUN
easat-2718	238	9	/	/	SYM
easat-2718	238	10	tt	tt	PROPN
easat-2718	238	11	-	-	PUNCT
easat-2718	238	12	nhnn	nhnn	ADJ
easat-2718	238	13	,	,	PUNCT
easat-2718	238	14	commercial	commercial	ADJ
easat-2718	238	15	bank	bank	PROPN
easat-2718	238	16	z	z	PROPN
easat-2718	238	17	uses	use	VERB
easat-2718	238	18	the	the	DET
easat-2718	238	19	repricing	reprice	VERB
easat-2718	238	20	gap	gap	NOUN
easat-2718	238	21	to	to	PART
easat-2718	238	22	measure	measure	VERB
easat-2718	238	23	the	the	DET
easat-2718	238	24	impact	impact	NOUN
easat-2718	238	25	of	of	ADP
easat-2718	238	26	irrbb	irrbb	NOUN
easat-2718	238	27	on	on	ADP
easat-2718	238	28	interest	interest	NOUN
easat-2718	238	29	rate	rate	NOUN
easat-2718	238	30	income	income	NOUN
easat-2718	238	31	and	and	CCONJ
easat-2718	238	32	the	the	DET
easat-2718	238	33	bank	bank	NOUN
easat-2718	238	34	's	's	PART
easat-2718	238	35	economic	economic	ADJ
easat-2718	238	36	value	value	NOUN
easat-2718	238	37	.	.	PUNCT
easat-2718	239	1	these	these	DET
easat-2718	239	2	measurements	measurement	NOUN
easat-2718	239	3	are	be	AUX
easat-2718	239	4	calculated	calculate	VERB
easat-2718	239	5	,	,	PUNCT
easat-2718	239	6	analyzed	analyze	VERB
easat-2718	239	7	,	,	PUNCT
easat-2718	239	8	and	and	CCONJ
easat-2718	239	9	monitored	monitor	VERB
easat-2718	239	10	on	on	ADP
easat-2718	239	11	a	a	DET
easat-2718	239	12	monthly	monthly	ADJ
easat-2718	239	13	basis	basis	NOUN
easat-2718	239	14	.	.	PUNCT
easat-2718	240	1	firstly	firstly	ADV
easat-2718	240	2	,	,	PUNCT
easat-2718	240	3	the	the	DET
easat-2718	240	4	repricing	reprice	VERB
easat-2718	240	5	gap	gap	NOUN
easat-2718	240	6	.	.	PUNCT
easat-2718	241	1	repricing	reprice	VERB
easat-2718	241	2	gap	gap	NOUN
easat-2718	241	3	,	,	PUNCT
easat-2718	241	4	or	or	CCONJ
easat-2718	241	5	gap	gap	NOUN
easat-2718	241	6	,	,	PUNCT
easat-2718	241	7	measures	measure	VERB
easat-2718	241	8	the	the	DET
easat-2718	241	9	difference	difference	NOUN
easat-2718	241	10	between	between	ADP
easat-2718	241	11	interestsensitive	interestsensitive	ADJ
easat-2718	241	12	assets	asset	NOUN
easat-2718	241	13	and	and	CCONJ
easat-2718	241	14	debt	debt	NOUN
easat-2718	241	15	(	(	PUNCT
easat-2718	241	16	both	both	CCONJ
easat-2718	241	17	in	in	ADP
easat-2718	241	18	and	and	CCONJ
easat-2718	241	19	off	off	ADP
easat-2718	241	20	the	the	DET
easat-2718	241	21	balance	balance	NOUN
easat-2718	241	22	sheet	sheet	NOUN
easat-2718	241	23	)	)	PUNCT
easat-2718	241	24	by	by	ADP
easat-2718	241	25	repricing	reprice	VERB
easat-2718	241	26	periods	period	NOUN
easat-2718	241	27	or	or	CCONJ
easat-2718	241	28	buckets	bucket	NOUN
easat-2718	241	29	.	.	PUNCT
easat-2718	242	1	the	the	DET
easat-2718	242	2	repricing	reprice	VERB
easat-2718	242	3	date	date	NOUN
easat-2718	242	4	of	of	ADP
easat-2718	242	5	the	the	DET
easat-2718	242	6	fixed	fix	VERB
easat-2718	242	7	-	-	PUNCT
easat-2718	242	8	rates	rate	NOUN
easat-2718	242	9	term	term	NOUN
easat-2718	242	10	is	be	AUX
easat-2718	242	11	the	the	DET
easat-2718	242	12	contractual	contractual	ADJ
easat-2718	242	13	maturity	maturity	NOUN
easat-2718	242	14	.	.	PUNCT
easat-2718	243	1	the	the	DET
easat-2718	243	2	repricing	reprice	VERB
easat-2718	243	3	date	date	NOUN
easat-2718	243	4	of	of	ADP
easat-2718	243	5	the	the	DET
easat-2718	243	6	floating	float	VERB
easat-2718	243	7	-	-	PUNCT
easat-2718	243	8	rate	rate	NOUN
easat-2718	243	9	term	term	NOUN
easat-2718	243	10	is	be	AUX
easat-2718	243	11	the	the	DET
easat-2718	243	12	earliest	early	ADJ
easat-2718	243	13	.	.	PUNCT
easat-2718	244	1	the	the	DET
easat-2718	244	2	repricing	reprice	VERB
easat-2718	244	3	date	date	NOUN
easat-2718	244	4	of	of	ADP
easat-2718	244	5	the	the	DET
easat-2718	244	6	non	non	ADJ
easat-2718	244	7	-	-	ADJ
easat-2718	244	8	maturity	maturity	ADJ
easat-2718	244	9	terms	term	NOUN
easat-2718	244	10	(	(	PUNCT
easat-2718	244	11	such	such	ADJ
easat-2718	244	12	as	as	ADP
easat-2718	244	13	a	a	DET
easat-2718	244	14	non	non	ADJ
easat-2718	244	15	-	-	ADJ
easat-2718	244	16	maturity	maturity	ADJ
easat-2718	244	17	deposit	deposit	NOUN
easat-2718	244	18	)	)	PUNCT
easat-2718	244	19	is	be	AUX
easat-2718	244	20	based	base	VERB
easat-2718	244	21	on	on	ADP
easat-2718	244	22	the	the	DET
easat-2718	244	23	maturity	maturity	NOUN
easat-2718	244	24	of	of	ADP
easat-2718	244	25	stable	stable	ADJ
easat-2718	244	26	non	non	ADJ
easat-2718	244	27	-	-	ADJ
easat-2718	244	28	maturity	maturity	ADJ
easat-2718	244	29	terms	term	NOUN
easat-2718	244	30	according	accord	VERB
easat-2718	244	31	to	to	ADP
easat-2718	244	32	the	the	DET
easat-2718	244	33	replicating	replicate	VERB
easat-2718	244	34	portfolios	portfolio	NOUN
easat-2718	244	35	approach	approach	NOUN
easat-2718	244	36	.	.	PUNCT
easat-2718	245	1	the	the	DET
easat-2718	245	2	repricing	reprice	VERB
easat-2718	245	3	date	date	NOUN
easat-2718	245	4	term	term	NOUN
easat-2718	245	5	having	have	VERB
easat-2718	245	6	option	option	NOUN
easat-2718	245	7	risk	risk	NOUN
easat-2718	245	8	is	be	AUX
easat-2718	245	9	based	base	VERB
easat-2718	245	10	on	on	ADP
easat-2718	245	11	historical	historical	ADJ
easat-2718	245	12	and	and	CCONJ
easat-2718	245	13	expert	expert	ADJ
easat-2718	245	14	data	datum	NOUN
easat-2718	245	15	analysis	analysis	NOUN
easat-2718	245	16	.	.	PUNCT
easat-2718	246	1	the	the	DET
easat-2718	246	2	interest	interest	NOUN
easat-2718	246	3	rate	rate	NOUN
easat-2718	246	4	repricing	repricing	NOUN
easat-2718	246	5	gap	gap	NOUN
easat-2718	246	6	position	position	NOUN
easat-2718	246	7	of	of	ADP
easat-2718	246	8	the	the	DET
easat-2718	246	9	whole	whole	ADJ
easat-2718	246	10	bank	bank	NOUN
easat-2718	246	11	is	be	AUX
easat-2718	246	12	established	establish	VERB
easat-2718	246	13	corresponding	correspond	VERB
easat-2718	246	14	to	to	ADP
easat-2718	246	15	each	each	DET
easat-2718	246	16	time	time	NOUN
easat-2718	246	17	bucket	bucket	NOUN
easat-2718	246	18	,	,	PUNCT
easat-2718	246	19	as	as	SCONJ
easat-2718	246	20	the	the	DET
easat-2718	246	21	formula	formula	NOUN
easat-2718	246	22	below	below	ADV
easat-2718	246	23	:	:	PUNCT
easat-2718	246	24	𝐺𝐴𝑃𝑘	𝐺𝐴𝑃𝑘	PROPN
easat-2718	246	25	=	=	SYM
easat-2718	246	26	𝑅𝑆𝐴𝑘	𝑅𝑆𝐴𝑘	PROPN
easat-2718	246	27	−	−	NOUN
easat-2718	246	28	𝑅𝑆𝐿𝑘	𝑅𝑆𝐿𝑘	NOUN
easat-2718	246	29	+	+	CCONJ
easat-2718	246	30	(	(	PUNCT
easat-2718	246	31	𝑙𝑜𝑛𝑔𝑘	𝑙𝑜𝑛𝑔𝑘	NOUN
easat-2718	246	32	−	−	NOUN
easat-2718	246	33	𝑠ℎ𝑜𝑟𝑡𝑘	𝑠ℎ𝑜𝑟𝑡𝑘	NOUN
easat-2718	246	34	)	)	PUNCT
easat-2718	246	35	(	(	PUNCT
easat-2718	246	36	1	1	X
easat-2718	246	37	)	)	PUNCT
easat-2718	246	38	in	in	ADP
easat-2718	246	39	which	which	PRON
easat-2718	246	40	:	:	PUNCT
easat-2718	246	41	gapk	gapk	NOUN
easat-2718	246	42	:	:	PUNCT
easat-2718	246	43	the	the	DET
easat-2718	246	44	repricing	reprice	VERB
easat-2718	246	45	gap	gap	NOUN
easat-2718	246	46	position	position	NOUN
easat-2718	246	47	for	for	ADP
easat-2718	246	48	time	time	NOUN
easat-2718	246	49	bucket	bucket	NOUN
easat-2718	246	50	k	k	PROPN
easat-2718	246	51	rsak	rsak	NOUN
easat-2718	246	52	:	:	PUNCT
easat-2718	246	53	interest	interest	NOUN
easat-2718	246	54	rate	rate	NOUN
easat-2718	246	55	sensitivity	sensitivity	NOUN
easat-2718	246	56	assets	asset	NOUN
easat-2718	246	57	for	for	ADP
easat-2718	246	58	time	time	NOUN
easat-2718	246	59	bucket	bucket	NOUN
easat-2718	246	60	k	k	NOUN
easat-2718	246	61	rslk	rslk	ADV
easat-2718	246	62	:	:	PUNCT
easat-2718	246	63	interest	interest	NOUN
easat-2718	246	64	rate	rate	NOUN
easat-2718	246	65	sensitivity	sensitivity	NOUN
easat-2718	246	66	liabilities	liability	NOUN
easat-2718	246	67	for	for	ADP
easat-2718	246	68	time	time	NOUN
easat-2718	246	69	bucket	bucket	NOUN
easat-2718	247	1	k	k	PROPN
easat-2718	247	2	long	long	ADV
easat-2718	247	3	:	:	PUNCT
easat-2718	247	4	long	long	ADJ
easat-2718	247	5	position	position	NOUN
easat-2718	247	6	for	for	ADP
easat-2718	247	7	off	off	ADP
easat-2718	247	8	-	-	PUNCT
easat-2718	247	9	balance	balance	NOUN
easat-2718	247	10	sheet	sheet	NOUN
easat-2718	247	11	items	item	NOUN
easat-2718	247	12	for	for	ADP
easat-2718	247	13	time	time	NOUN
easat-2718	247	14	bucket	bucket	NOUN
easat-2718	247	15	k	k	PROPN
easat-2718	248	1	short	short	ADJ
easat-2718	248	2	:	:	PUNCT
easat-2718	248	3	short	short	ADJ
easat-2718	248	4	position	position	NOUN
easat-2718	248	5	for	for	ADP
easat-2718	248	6	off	off	ADP
easat-2718	248	7	-	-	PUNCT
easat-2718	248	8	balance	balance	NOUN
easat-2718	248	9	sheet	sheet	NOUN
easat-2718	248	10	items	item	NOUN
easat-2718	248	11	for	for	ADP
easat-2718	248	12	time	time	NOUN
easat-2718	248	13	bucket	bucket	NOUN
easat-2718	248	14	k	k	PROPN
easat-2718	249	1	all	all	DET
easat-2718	249	2	indices	index	NOUN
easat-2718	249	3	of	of	ADP
easat-2718	249	4	equation	equation	NOUN
easat-2718	249	5	1	1	NUM
easat-2718	249	6	are	be	AUX
easat-2718	249	7	collected	collect	VERB
easat-2718	249	8	from	from	ADP
easat-2718	249	9	the	the	DET
easat-2718	249	10	annual	annual	ADJ
easat-2718	249	11	report	report	NOUN
easat-2718	249	12	of	of	ADP
easat-2718	249	13	commercial	commercial	ADJ
easat-2718	249	14	banks	bank	NOUN
easat-2718	249	15	,	,	PUNCT
easat-2718	249	16	which	which	PRON
easat-2718	249	17	includes	include	VERB
easat-2718	249	18	on	on	ADP
easat-2718	249	19	-	-	PUNCT
easat-2718	249	20	balance	balance	NOUN
easat-2718	249	21	sheet	sheet	NOUN
easat-2718	249	22	and	and	CCONJ
easat-2718	249	23	off	off	ADP
easat-2718	249	24	-	-	PUNCT
easat-2718	249	25	balance	balance	NOUN
easat-2718	249	26	sheet	sheet	NOUN
easat-2718	249	27	items	item	NOUN
easat-2718	249	28	.	.	PUNCT
easat-2718	250	1	the	the	DET
easat-2718	250	2	repricing	reprice	VERB
easat-2718	250	3	gap	gap	NOUN
easat-2718	250	4	table	table	NOUN
easat-2718	250	5	,	,	PUNCT
easat-2718	250	6	the	the	DET
easat-2718	250	7	sum	sum	NOUN
easat-2718	250	8	of	of	ADP
easat-2718	250	9	all	all	DET
easat-2718	250	10	repricing	reprice	VERB
easat-2718	250	11	gap	gap	NOUN
easat-2718	250	12	positions	position	NOUN
easat-2718	250	13	in	in	ADP
easat-2718	250	14	each	each	DET
easat-2718	250	15	time	time	NOUN
easat-2718	250	16	bucket	bucket	NOUN
easat-2718	250	17	of	of	ADP
easat-2718	250	18	bank	bank	PROPN
easat-2718	250	19	z	z	PROPN
easat-2718	250	20	,	,	PUNCT
easat-2718	250	21	is	be	AUX
easat-2718	250	22	shown	show	VERB
easat-2718	250	23	in	in	ADP
easat-2718	250	24	table	table	NOUN
easat-2718	250	25	1	1	NUM
easat-2718	250	26	:	:	PUNCT
easat-2718	250	27	table	table	NOUN
easat-2718	250	28	1	1	NUM
easat-2718	250	29	.	.	PUNCT
easat-2718	251	1	the	the	DET
easat-2718	251	2	repricing	reprice	VERB
easat-2718	251	3	gap	gap	NOUN
easat-2718	251	4	table	table	NOUN
easat-2718	251	5	(	(	PUNCT
easat-2718	251	6	unit	unit	NOUN
easat-2718	251	7	:	:	PUNCT
easat-2718	251	8	million	million	NUM
easat-2718	251	9	vnd	vnd	PROPN
easat-2718	251	10	)	)	PUNCT
easat-2718	251	11	.	.	PUNCT
easat-2718	252	1	0	0	NUM
easat-2718	252	2	-	-	SYM
easat-2718	252	3	1	1	NUM
easat-2718	252	4	m	m	NOUN
easat-2718	252	5	1	1	NUM
easat-2718	252	6	-	-	SYM
easat-2718	252	7	3	3	NUM
easat-2718	252	8	m	m	NOUN
easat-2718	252	9	3	3	NUM
easat-2718	252	10	-	-	SYM
easat-2718	252	11	6	6	NUM
easat-2718	252	12	m	m	NOUN
easat-2718	252	13	6	6	NUM
easat-2718	252	14	-	-	SYM
easat-2718	252	15	12	12	NUM
easat-2718	252	16	m	m	NOUN
easat-2718	252	17	1	1	NUM
easat-2718	252	18	-	-	SYM
easat-2718	252	19	5yrs	5yr	NOUN
easat-2718	252	20	>	>	PUNCT
easat-2718	252	21	5yrs	5yrs	NUM
easat-2718	252	22	total	total	NOUN
easat-2718	252	23	gap	gap	NOUN
easat-2718	252	24	840,521	840,521	NUM
easat-2718	252	25	2,224,837	2,224,837	NUM
easat-2718	252	26	-7,892,219	-7,892,219	NUM
easat-2718	252	27	5,795,336	5,795,336	NUM
easat-2718	252	28	-11,616,593	-11,616,593	NOUN
easat-2718	252	29	10,208,787	10,208,787	NUM
easat-2718	252	30	-439,331	-439,331	PUNCT
easat-2718	252	31	at	at	ADP
easat-2718	252	32	the	the	DET
easat-2718	252	33	time	time	NOUN
easat-2718	252	34	of	of	ADP
easat-2718	252	35	the	the	DET
easat-2718	252	36	report	report	NOUN
easat-2718	252	37	,	,	PUNCT
easat-2718	252	38	bank	bank	PROPN
easat-2718	252	39	z	z	PROPN
easat-2718	252	40	remains	remain	VERB
easat-2718	252	41	the	the	DET
easat-2718	252	42	positive	positive	ADJ
easat-2718	252	43	repricing	repricing	NOUN
easat-2718	252	44	gap	gap	NOUN
easat-2718	252	45	with	with	ADP
easat-2718	252	46	all	all	DET
easat-2718	252	47	buckets	bucket	NOUN
easat-2718	252	48	,	,	PUNCT
easat-2718	252	49	except	except	SCONJ
easat-2718	252	50	the	the	DET
easat-2718	252	51	3	3	NUM
easat-2718	252	52	-	-	SYM
easat-2718	252	53	6	6	NUM
easat-2718	252	54	months	month	NOUN
easat-2718	252	55	and	and	CCONJ
easat-2718	252	56	1	1	NUM
easat-2718	252	57	-	-	SYM
easat-2718	252	58	5	5	NUM
easat-2718	252	59	years	year	NOUN
easat-2718	252	60	buckets	bucket	NOUN
easat-2718	252	61	.	.	PUNCT
easat-2718	253	1	when	when	SCONJ
easat-2718	253	2	there	there	PRON
easat-2718	253	3	is	be	VERB
easat-2718	253	4	a	a	DET
easat-2718	253	5	gap	gap	NOUN
easat-2718	253	6	in	in	ADP
easat-2718	253	7	different	different	ADJ
easat-2718	253	8	buckets	bucket	NOUN
easat-2718	253	9	,	,	PUNCT
easat-2718	253	10	bank	bank	NOUN
easat-2718	253	11	z	z	PROPN
easat-2718	253	12	tends	tend	VERB
easat-2718	253	13	to	to	PART
easat-2718	253	14	bear	bear	VERB
easat-2718	253	15	the	the	DET
easat-2718	253	16	risk	risk	NOUN
easat-2718	253	17	when	when	SCONJ
easat-2718	253	18	the	the	DET
easat-2718	253	19	interest	interest	NOUN
easat-2718	253	20	rate	rate	NOUN
easat-2718	253	21	changes	change	NOUN
easat-2718	253	22	.	.	PUNCT
easat-2718	254	1	to	to	PART
easat-2718	254	2	measure	measure	VERB
easat-2718	254	3	the	the	DET
easat-2718	254	4	irrbb	irrbb	NOUN
easat-2718	254	5	more	more	ADV
easat-2718	254	6	specifically	specifically	ADV
easat-2718	254	7	,	,	PUNCT
easat-2718	254	8	bank	bank	PROPN
easat-2718	254	9	z	z	PROPN
easat-2718	254	10	will	will	AUX
easat-2718	254	11	compute	compute	VERB
easat-2718	254	12	the	the	DET
easat-2718	254	13	change	change	NOUN
easat-2718	254	14	in	in	ADP
easat-2718	254	15	net	net	ADJ
easat-2718	254	16	interest	interest	NOUN
easat-2718	254	17	income-∆𝑁𝐼𝐼	income-∆𝑁𝐼𝐼	PROPN
easat-2718	254	18	)	)	PUNCT
easat-2718	254	19	and	and	CCONJ
easat-2718	254	20	the	the	DET
easat-2718	254	21	change	change	NOUN
easat-2718	254	22	in	in	ADP
easat-2718	254	23	the	the	DET
easat-2718	254	24	economic	economic	ADJ
easat-2718	254	25	value	value	NOUN
easat-2718	254	26	of	of	ADP
easat-2718	254	27	equity	equity	NOUN
easat-2718	254	28	(	(	PUNCT
easat-2718	254	29	∆	∆	X
easat-2718	254	30	𝐸𝑉𝐸	𝐸𝑉𝐸	PROPN
easat-2718	254	31	)	)	PUNCT
easat-2718	254	32	when	when	SCONJ
easat-2718	254	33	the	the	DET
easat-2718	254	34	interest	interest	NOUN
easat-2718	254	35	rate	rate	NOUN
easat-2718	254	36	changes	change	NOUN
easat-2718	254	37	every	every	DET
easat-2718	254	38	quarter	quarter	NOUN
easat-2718	254	39	.	.	PUNCT
easat-2718	255	1	secondly	secondly	ADV
easat-2718	255	2	,	,	PUNCT
easat-2718	255	3	change	change	NOUN
easat-2718	255	4	in	in	ADP
easat-2718	255	5	net	net	ADJ
easat-2718	255	6	interest	interest	NOUN
easat-2718	255	7	income∆nii	income∆nii	PROPN
easat-2718	255	8	.	.	PUNCT
easat-2718	256	1	this	this	DET
easat-2718	256	2	indicator	indicator	NOUN
easat-2718	256	3	measures	measure	VERB
easat-2718	256	4	the	the	DET
easat-2718	256	5	impact	impact	NOUN
easat-2718	256	6	of	of	ADP
easat-2718	256	7	interest	interest	NOUN
easat-2718	256	8	rates	rate	NOUN
easat-2718	256	9	in	in	ADP
easat-2718	256	10	the	the	DET
easat-2718	256	11	short	short	ADJ
easat-2718	256	12	term	term	NOUN
easat-2718	256	13	(	(	PUNCT
easat-2718	256	14	generally	generally	ADV
easat-2718	256	15	in	in	ADP
easat-2718	256	16	1	1	NUM
easat-2718	256	17	year	year	NOUN
easat-2718	256	18	)	)	PUNCT
easat-2718	256	19	when	when	SCONJ
easat-2718	256	20	market	market	NOUN
easat-2718	256	21	rates	rate	NOUN
easat-2718	256	22	change	change	VERB
easat-2718	256	23	.	.	PUNCT
easat-2718	257	1	the	the	DET
easat-2718	257	2	nii	nii	PROPN
easat-2718	257	3	indicator	indicator	PROPN
easat-2718	257	4	calculation	calculation	NOUN
easat-2718	257	5	depends	depend	VERB
easat-2718	257	6	on	on	ADP
easat-2718	257	7	banks	bank	NOUN
easat-2718	257	8	'	'	PART
easat-2718	257	9	repricing	reprice	VERB
easat-2718	257	10	gap	gap	NOUN
easat-2718	257	11	positions	position	NOUN
easat-2718	257	12	and	and	CCONJ
easat-2718	257	13	the	the	DET
easat-2718	257	14	change	change	NOUN
easat-2718	257	15	in	in	ADP
easat-2718	257	16	interest	interest	NOUN
easat-2718	257	17	rate	rate	NOUN
easat-2718	257	18	.	.	PUNCT
easat-2718	258	1	bank	bank	PROPN
easat-2718	258	2	z	z	PROPN
easat-2718	258	3	is	be	AUX
easat-2718	258	4	based	base	VERB
easat-2718	258	5	on	on	ADP
easat-2718	258	6	the	the	DET
easat-2718	258	7	historical	historical	ADJ
easat-2718	258	8	data	datum	NOUN
easat-2718	258	9	and	and	CCONJ
easat-2718	258	10	then	then	ADV
easat-2718	258	11	measures	measure	VERB
easat-2718	258	12	the	the	DET
easat-2718	258	13	change	change	NOUN
easat-2718	258	14	of	of	ADP
easat-2718	258	15	interest	interest	NOUN
easat-2718	258	16	rate	rate	NOUN
easat-2718	258	17	income	income	NOUN
easat-2718	258	18	for	for	ADP
easat-2718	258	19	the	the	DET
easat-2718	258	20	change	change	NOUN
easat-2718	258	21	interest	interest	NOUN
easat-2718	258	22	rate	rate	NOUN
easat-2718	258	23	of	of	ADP
easat-2718	258	24	50	50	NUM
easat-2718	258	25	basis	basis	NOUN
easat-2718	258	26	points	point	NOUN
easat-2718	258	27	.	.	PUNCT
easat-2718	259	1	the	the	DET
easat-2718	259	2	steps	step	NOUN
easat-2718	259	3	to	to	PART
easat-2718	259	4	calculate	calculate	VERB
easat-2718	259	5	the	the	DET
easat-2718	259	6	impact	impact	NOUN
easat-2718	259	7	on	on	ADP
easat-2718	259	8	the	the	DET
easat-2718	259	9	net	net	ADJ
easat-2718	259	10	interest	interest	NOUN
easat-2718	259	11	income	income	NOUN
easat-2718	259	12	of	of	ADP
easat-2718	259	13	z	z	PROPN
easat-2718	259	14	bank	bank	PROPN
easat-2718	259	15	for	for	ADP
easat-2718	259	16	12	12	NUM
easat-2718	259	17	months	month	NOUN
easat-2718	259	18	are	be	AUX
easat-2718	259	19	as	as	SCONJ
easat-2718	259	20	the	the	DET
easat-2718	259	21	3372	3372	NUM
easat-2718	259	22	edelweiss	edelweiss	PROPN
easat-2718	259	23	applied	apply	VERB
easat-2718	259	24	science	science	NOUN
easat-2718	259	25	and	and	CCONJ
easat-2718	259	26	technology	technology	NOUN
easat-2718	259	27	issn	issn	PROPN
easat-2718	259	28	:	:	PUNCT
easat-2718	259	29	2576	2576	NUM
easat-2718	259	30	-	-	SYM
easat-2718	259	31	8484	8484	NUM
easat-2718	259	32	vol	vol	NOUN
easat-2718	259	33	.	.	PROPN
easat-2718	259	34	8	8	NUM
easat-2718	259	35	,	,	PUNCT
easat-2718	259	36	no	no	INTJ
easat-2718	259	37	.	.	NOUN
easat-2718	260	1	6	6	NUM
easat-2718	260	2	:	:	PUNCT
easat-2718	260	3	3361	3361	NUM
easat-2718	260	4	-	-	SYM
easat-2718	260	5	3380	3380	NUM
easat-2718	260	6	,	,	PUNCT
easat-2718	260	7	2024	2024	NUM
easat-2718	260	8	doi	doi	NOUN
easat-2718	260	9	:	:	PUNCT
easat-2718	260	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	260	11	©	©	PROPN
easat-2718	260	12	2024	2024	NUM
easat-2718	260	13	by	by	ADP
easat-2718	260	14	the	the	DET
easat-2718	260	15	authors	author	NOUN
easat-2718	260	16	;	;	PUNCT
easat-2718	261	1	licensee	licensee	PROPN
easat-2718	261	2	learning	learn	VERB
easat-2718	261	3	gate	gate	NOUN
easat-2718	261	4	formula	formula	NOUN
easat-2718	261	5	below	below	ADV
easat-2718	261	6	:	:	PUNCT
easat-2718	261	7	step	step	NOUN
easat-2718	261	8	1	1	NUM
easat-2718	261	9	:	:	PUNCT
easat-2718	261	10	determine	determine	VERB
easat-2718	261	11	the	the	DET
easat-2718	261	12	impact	impact	NOUN
easat-2718	261	13	of	of	ADP
easat-2718	261	14	interest	interest	NOUN
easat-2718	261	15	rate	rate	NOUN
easat-2718	261	16	risk	risk	NOUN
easat-2718	261	17	on	on	ADP
easat-2718	261	18	1	1	NUM
easat-2718	261	19	-	-	PUNCT
easat-2718	261	20	year	year	NOUN
easat-2718	261	21	net	net	ADJ
easat-2718	261	22	interest	interest	NOUN
easat-2718	261	23	income	income	NOUN
easat-2718	261	24	for	for	ADP
easat-2718	261	25	each	each	DET
easat-2718	261	26	gap	gap	NOUN
easat-2718	261	27	position	position	NOUN
easat-2718	261	28	having	have	VERB
easat-2718	261	29	less	less	ADJ
easat-2718	261	30	than	than	ADP
easat-2718	261	31	1	1	NUM
easat-2718	261	32	-	-	PUNCT
easat-2718	261	33	year	year	NOUN
easat-2718	261	34	time	time	NOUN
easat-2718	261	35	bucket	bucket	NOUN
easat-2718	261	36	∆𝑁𝐼𝐼𝑘	∆𝑁𝐼𝐼𝑘	NOUN
easat-2718	261	37	=	=	SYM
easat-2718	261	38	𝐺𝐴𝑃𝑘	𝐺𝐴𝑃𝑘	NOUN
easat-2718	261	39	∗	∗	NOUN
easat-2718	261	40	∆𝑟(𝑡𝑘	∆𝑟(𝑡𝑘	NOUN
easat-2718	261	41	)	)	PUNCT
easat-2718	261	42	∗	∗	NOUN
easat-2718	261	43	12−𝑡𝑘	12−𝑡𝑘	ADJ
easat-2718	261	44	12	12	NUM
easat-2718	261	45	(	(	PUNCT
easat-2718	261	46	2	2	NUM
easat-2718	261	47	)	)	PUNCT
easat-2718	261	48	in	in	ADP
easat-2718	261	49	which	which	PRON
easat-2718	261	50	:	:	PUNCT
easat-2718	261	51	∆𝑁𝐼𝐼𝑘	∆𝑁𝐼𝐼𝑘	NOUN
easat-2718	261	52	:	:	PUNCT
easat-2718	261	53	change	change	NOUN
easat-2718	261	54	in	in	ADP
easat-2718	261	55	net	net	ADJ
easat-2718	261	56	interest	interest	NOUN
easat-2718	261	57	income	income	NOUN
easat-2718	261	58	for	for	ADP
easat-2718	261	59	time	time	NOUN
easat-2718	261	60	bucket	bucket	NOUN
easat-2718	261	61	k	k	PROPN
easat-2718	261	62	gapk	gapk	PROPN
easat-2718	261	63	:	:	PUNCT
easat-2718	261	64	the	the	DET
easat-2718	261	65	repricing	reprice	VERB
easat-2718	261	66	gap	gap	NOUN
easat-2718	261	67	position	position	NOUN
easat-2718	261	68	for	for	ADP
easat-2718	261	69	time	time	NOUN
easat-2718	261	70	bucket	bucket	NOUN
easat-2718	261	71	k	k	PROPN
easat-2718	261	72	∆r(tk	∆r(tk	NOUN
easat-2718	261	73	):	):	PUNCT
easat-2718	261	74	change	change	NOUN
easat-2718	261	75	in	in	ADP
easat-2718	261	76	interest	interest	NOUN
easat-2718	261	77	rate	rate	NOUN
easat-2718	261	78	for	for	ADP
easat-2718	261	79	time	time	NOUN
easat-2718	261	80	bucket	bucket	NOUN
easat-2718	261	81	k	k	PROPN
easat-2718	261	82	tk	tk	PROPN
easat-2718	261	83	:	:	PUNCT
easat-2718	261	84	the	the	DET
easat-2718	261	85	middle	middle	ADJ
easat-2718	261	86	point	point	NOUN
easat-2718	261	87	of	of	ADP
easat-2718	261	88	time	time	NOUN
easat-2718	261	89	for	for	ADP
easat-2718	261	90	time	time	NOUN
easat-2718	261	91	bucket	bucket	NOUN
easat-2718	261	92	k	k	PROPN
easat-2718	261	93	(	(	PUNCT
easat-2718	261	94	unit	unit	NOUN
easat-2718	261	95	:	:	PUNCT
easat-2718	261	96	month	month	NOUN
easat-2718	261	97	)	)	PUNCT
easat-2718	262	1	the	the	DET
easat-2718	262	2	indices	index	NOUN
easat-2718	262	3	of	of	ADP
easat-2718	262	4	equation	equation	NOUN
easat-2718	262	5	2	2	NUM
easat-2718	262	6	are	be	AUX
easat-2718	262	7	collected	collect	VERB
easat-2718	262	8	from	from	ADP
easat-2718	262	9	equation	equation	NOUN
easat-2718	262	10	1	1	NUM
easat-2718	262	11	,	,	PUNCT
easat-2718	262	12	and	and	CCONJ
easat-2718	262	13	the	the	DET
easat-2718	262	14	change	change	NOUN
easat-2718	262	15	in	in	ADP
easat-2718	262	16	interest	interest	NOUN
easat-2718	262	17	rate	rate	NOUN
easat-2718	262	18	for	for	ADP
easat-2718	262	19	time	time	NOUN
easat-2718	262	20	bucket	bucket	NOUN
easat-2718	262	21	k	k	PROPN
easat-2718	262	22	is	be	AUX
easat-2718	262	23	based	base	VERB
easat-2718	262	24	on	on	ADP
easat-2718	262	25	the	the	DET
easat-2718	262	26	historical	historical	ADJ
easat-2718	262	27	data	datum	NOUN
easat-2718	262	28	of	of	ADP
easat-2718	262	29	change	change	NOUN
easat-2718	262	30	in	in	ADP
easat-2718	262	31	the	the	DET
easat-2718	262	32	interest	interest	NOUN
easat-2718	262	33	rate	rate	NOUN
easat-2718	262	34	curve	curve	NOUN
easat-2718	262	35	.	.	PUNCT
easat-2718	263	1	step	step	NOUN
easat-2718	263	2	2	2	NUM
easat-2718	263	3	:	:	PUNCT
easat-2718	263	4	determine	determine	VERB
easat-2718	263	5	the	the	DET
easat-2718	263	6	total	total	ADJ
easat-2718	263	7	impact	impact	NOUN
easat-2718	263	8	of	of	ADP
easat-2718	263	9	interest	interest	NOUN
easat-2718	263	10	rate	rate	NOUN
easat-2718	263	11	risk	risk	NOUN
easat-2718	263	12	on	on	ADP
easat-2718	263	13	1	1	NUM
easat-2718	263	14	-	-	PUNCT
easat-2718	263	15	year	year	NOUN
easat-2718	263	16	net	net	ADJ
easat-2718	263	17	interest	interest	NOUN
easat-2718	263	18	income	income	NOUN
easat-2718	263	19	for	for	ADP
easat-2718	263	20	all	all	DET
easat-2718	263	21	gap	gap	NOUN
easat-2718	263	22	positions	position	NOUN
easat-2718	263	23	have	have	VERB
easat-2718	263	24	less	less	ADJ
easat-2718	263	25	than	than	ADP
easat-2718	263	26	1	1	NUM
easat-2718	263	27	-	-	PUNCT
easat-2718	263	28	year	year	NOUN
easat-2718	263	29	time	time	NOUN
easat-2718	263	30	bucket	bucket	NOUN
easat-2718	264	1	∆𝑁𝐼𝐼	∆𝑁𝐼𝐼	PROPN
easat-2718	264	2	=	=	SYM
easat-2718	264	3	∑	∑	PUNCT
easat-2718	264	4	⬚	⬚	PROPN
easat-2718	264	5	⬚	⬚	PROPN
easat-2718	264	6	⬚	⬚	PROPN
easat-2718	264	7	∆𝑁𝐼𝐼𝑘	∆𝑁𝐼𝐼𝑘	NOUN
easat-2718	264	8	(	(	PUNCT
easat-2718	264	9	3	3	NUM
easat-2718	264	10	)	)	PUNCT
easat-2718	264	11	the	the	DET
easat-2718	264	12	change	change	NOUN
easat-2718	264	13	in	in	ADP
easat-2718	264	14	net	net	ADJ
easat-2718	264	15	interest	interest	NOUN
easat-2718	264	16	income	income	NOUN
easat-2718	264	17	of	of	ADP
easat-2718	264	18	bank	bank	PROPN
easat-2718	264	19	z	z	PROPN
easat-2718	264	20	is	be	AUX
easat-2718	264	21	shown	show	VERB
easat-2718	264	22	in	in	ADP
easat-2718	264	23	table	table	NOUN
easat-2718	264	24	2	2	NUM
easat-2718	264	25	:	:	PUNCT
easat-2718	264	26	table	table	NOUN
easat-2718	264	27	2	2	NUM
easat-2718	264	28	.	.	X
easat-2718	264	29	change	change	NOUN
easat-2718	264	30	in	in	ADP
easat-2718	264	31	net	net	ADJ
easat-2718	264	32	interest	interest	NOUN
easat-2718	264	33	income∆𝑁𝐼𝐼	income∆𝑁𝐼𝐼	PROPN
easat-2718	264	34	(	(	PUNCT
easat-2718	264	35	unit	unit	NOUN
easat-2718	264	36	:	:	PUNCT
easat-2718	264	37	million	million	NUM
easat-2718	264	38	vnd	vnd	PROPN
easat-2718	264	39	)	)	PUNCT
easat-2718	264	40	.	.	PUNCT
easat-2718	265	1	time	time	NOUN
easat-2718	265	2	buckets	bucket	NOUN
easat-2718	265	3	gap	gap	NOUN
easat-2718	265	4	∆r	∆r	NOUN
easat-2718	265	5	∆niii	∆niii	NUM
easat-2718	265	6	∆r	∆r	NOUN
easat-2718	265	7	∆niii	∆niii	NUM
easat-2718	265	8	0	0	NUM
easat-2718	265	9	-	-	SYM
easat-2718	265	10	1	1	NUM
easat-2718	265	11	m	m	NOUN
easat-2718	265	12	840,521	840,521	NUM
easat-2718	265	13	0.50	0.50	NUM
easat-2718	265	14	%	%	NOUN
easat-2718	265	15	4,027	4,027	NUM
easat-2718	265	16	-0.50	-0.50	NUM
easat-2718	265	17	%	%	NOUN
easat-2718	265	18	-4,027	-4,027	PROPN
easat-2718	265	19	1	1	NUM
easat-2718	265	20	-	-	SYM
easat-2718	265	21	3	3	NUM
easat-2718	265	22	m	m	NOUN
easat-2718	265	23	2,224,837	2,224,837	NUM
easat-2718	265	24	0.50	0.50	NUM
easat-2718	265	25	%	%	NOUN
easat-2718	265	26	9,270	9,270	NUM
easat-2718	265	27	-0.50	-0.50	NUM
easat-2718	265	28	%	%	NOUN
easat-2718	265	29	-9,270	-9,270	INTJ
easat-2718	265	30	3	3	NUM
easat-2718	265	31	-	-	SYM
easat-2718	265	32	6	6	NUM
easat-2718	265	33	m	m	NOUN
easat-2718	265	34	-7,892,219	-7,892,219	NUM
easat-2718	265	35	0.50	0.50	NUM
easat-2718	265	36	%	%	NOUN
easat-2718	265	37	-24,663	-24,663	PUNCT
easat-2718	265	38	-0.50	-0.50	NUM
easat-2718	265	39	%	%	NOUN
easat-2718	265	40	24,663	24,663	NUM
easat-2718	265	41	6	6	NUM
easat-2718	265	42	-	-	SYM
easat-2718	265	43	12	12	NUM
easat-2718	265	44	m	m	NOUN
easat-2718	265	45	5,795,336	5,795,336	NUM
easat-2718	265	46	0.50	0.50	NUM
easat-2718	265	47	%	%	NOUN
easat-2718	265	48	7,244	7,244	NUM
easat-2718	265	49	-0.50	-0.50	NUM
easat-2718	265	50	%	%	NOUN
easat-2718	265	51	-7,244	-7,244	PROPN
easat-2718	265	52	total	total	NOUN
easat-2718	265	53	-4,121	-4,121	ADV
easat-2718	265	54	4,121	4,121	NUM
easat-2718	265	55	from	from	ADP
easat-2718	265	56	the	the	DET
easat-2718	265	57	results	result	NOUN
easat-2718	265	58	in	in	ADP
easat-2718	265	59	table	table	NOUN
easat-2718	265	60	2	2	NUM
easat-2718	265	61	,	,	PUNCT
easat-2718	265	62	the	the	DET
easat-2718	265	63	worst	bad	ADJ
easat-2718	265	64	and	and	CCONJ
easat-2718	265	65	total	total	ADJ
easat-2718	265	66	impact	impact	NOUN
easat-2718	265	67	of	of	ADP
easat-2718	265	68	nii	nii	PROPN
easat-2718	265	69	is	be	AUX
easat-2718	265	70	a	a	DET
easat-2718	265	71	decrease	decrease	NOUN
easat-2718	265	72	of	of	ADP
easat-2718	265	73	4,12	4,12	NUM
easat-2718	265	74	million	million	NUM
easat-2718	265	75	interest	interest	NOUN
easat-2718	265	76	rate	rate	NOUN
easat-2718	265	77	income	income	NOUN
easat-2718	265	78	when	when	SCONJ
easat-2718	265	79	there	there	PRON
easat-2718	265	80	is	be	VERB
easat-2718	265	81	a	a	DET
easat-2718	265	82	50	50	NUM
easat-2718	265	83	basis	basis	NOUN
easat-2718	265	84	points	point	NOUN
easat-2718	265	85	increase	increase	NOUN
easat-2718	265	86	in	in	ADP
easat-2718	265	87	the	the	DET
easat-2718	265	88	yield	yield	NOUN
easat-2718	265	89	curve	curve	NOUN
easat-2718	265	90	.	.	PUNCT
easat-2718	266	1	thirdly	thirdly	ADV
easat-2718	266	2	,	,	PUNCT
easat-2718	266	3	change	change	NOUN
easat-2718	266	4	in	in	ADP
easat-2718	266	5	the	the	DET
easat-2718	266	6	economic	economic	ADJ
easat-2718	266	7	value	value	NOUN
easat-2718	266	8	of	of	ADP
easat-2718	266	9	equity	equity	NOUN
easat-2718	266	10	(	(	PUNCT
easat-2718	266	11	∆	∆	PROPN
easat-2718	266	12	eve	eve	NOUN
easat-2718	266	13	)	)	PUNCT
easat-2718	266	14	.	.	PUNCT
easat-2718	267	1	this	this	DET
easat-2718	267	2	indicator	indicator	NOUN
easat-2718	267	3	measures	measure	VERB
easat-2718	267	4	the	the	DET
easat-2718	267	5	impact	impact	NOUN
easat-2718	267	6	of	of	ADP
easat-2718	267	7	interest	interest	NOUN
easat-2718	267	8	rates	rate	NOUN
easat-2718	267	9	over	over	ADP
easat-2718	267	10	the	the	DET
easat-2718	267	11	long	long	ADJ
easat-2718	267	12	term	term	NOUN
easat-2718	267	13	through	through	ADP
easat-2718	267	14	the	the	DET
easat-2718	267	15	effect	effect	NOUN
easat-2718	267	16	of	of	ADP
easat-2718	267	17	interest	interest	NOUN
easat-2718	267	18	rates	rate	NOUN
easat-2718	267	19	on	on	ADP
easat-2718	267	20	changes	change	NOUN
easat-2718	267	21	in	in	ADP
easat-2718	267	22	the	the	DET
easat-2718	267	23	economic	economic	ADJ
easat-2718	267	24	value	value	NOUN
easat-2718	267	25	of	of	ADP
easat-2718	267	26	equity	equity	NOUN
easat-2718	267	27	.	.	PUNCT
easat-2718	268	1	this	this	DET
easat-2718	268	2	impact	impact	NOUN
easat-2718	268	3	is	be	AUX
easat-2718	268	4	measured	measure	VERB
easat-2718	268	5	through	through	ADP
easat-2718	268	6	the	the	DET
easat-2718	268	7	change	change	NOUN
easat-2718	268	8	in	in	ADP
easat-2718	268	9	the	the	DET
easat-2718	268	10	present	present	ADJ
easat-2718	268	11	value	value	NOUN
easat-2718	268	12	of	of	ADP
easat-2718	268	13	banking	banking	NOUN
easat-2718	268	14	book	book	NOUN
easat-2718	268	15	items	item	NOUN
easat-2718	268	16	and	and	CCONJ
easat-2718	268	17	the	the	DET
easat-2718	268	18	present	present	ADJ
easat-2718	268	19	equity	equity	NOUN
easat-2718	268	20	value	value	NOUN
easat-2718	268	21	.	.	PUNCT
easat-2718	269	1	the	the	DET
easat-2718	269	2	steps	step	NOUN
easat-2718	269	3	to	to	PART
easat-2718	269	4	calculate	calculate	VERB
easat-2718	269	5	the	the	DET
easat-2718	269	6	effect	effect	NOUN
easat-2718	269	7	on	on	ADP
easat-2718	269	8	the	the	DET
easat-2718	269	9	economic	economic	ADJ
easat-2718	269	10	value	value	NOUN
easat-2718	269	11	of	of	ADP
easat-2718	269	12	z	z	PROPN
easat-2718	269	13	bank	bank	PROPN
easat-2718	269	14	are	be	AUX
easat-2718	269	15	:	:	PUNCT
easat-2718	269	16	step	step	NOUN
easat-2718	269	17	1	1	NUM
easat-2718	269	18	:	:	PUNCT
easat-2718	269	19	determine	determine	VERB
easat-2718	269	20	the	the	DET
easat-2718	269	21	economic	economic	ADJ
easat-2718	269	22	value	value	NOUN
easat-2718	269	23	of	of	ADP
easat-2718	269	24	equity	equity	NOUN
easat-2718	269	25	in	in	ADP
easat-2718	269	26	the	the	DET
easat-2718	269	27	baseline	baseline	PROPN
easat-2718	269	28	scenario	scenario	NOUN
easat-2718	269	29	.	.	PUNCT
easat-2718	270	1	𝐸𝑉𝐸𝑏𝑎𝑠𝑒𝑙𝑖𝑛𝑒	𝐸𝑉𝐸𝑏𝑎𝑠𝑒𝑙𝑖𝑛𝑒	PROPN
easat-2718	270	2	=	=	SYM
easat-2718	270	3	∑	∑	PUNCT
easat-2718	270	4	⬚	⬚	PROPN
easat-2718	270	5	⬚	⬚	PROPN
easat-2718	270	6	⬚	⬚	PROPN
easat-2718	270	7	𝐺𝐴𝑃𝑘	𝐺𝐴𝑃𝑘	NOUN
easat-2718	270	8	∗	∗	NOUN
easat-2718	270	9	𝑒−𝑟(𝑡𝑘)∗𝑡𝑘	𝑒−𝑟(𝑡𝑘)∗𝑡𝑘	PROPN
easat-2718	270	10	(	(	PUNCT
easat-2718	270	11	4	4	NUM
easat-2718	270	12	)	)	PUNCT
easat-2718	270	13	in	in	ADP
easat-2718	270	14	which	which	PRON
easat-2718	270	15	:	:	PUNCT
easat-2718	270	16	evebaseline	evebaseline	ADJ
easat-2718	270	17	:	:	PUNCT
easat-2718	270	18	the	the	DET
easat-2718	270	19	economic	economic	ADJ
easat-2718	270	20	value	value	NOUN
easat-2718	270	21	of	of	ADP
easat-2718	270	22	equity	equity	NOUN
easat-2718	270	23	in	in	ADP
easat-2718	270	24	the	the	DET
easat-2718	270	25	baseline	baseline	PROPN
easat-2718	270	26	scenario	scenario	PROPN
easat-2718	270	27	gapk	gapk	PROPN
easat-2718	270	28	:	:	PUNCT
easat-2718	270	29	the	the	DET
easat-2718	270	30	repricing	reprice	VERB
easat-2718	270	31	gap	gap	NOUN
easat-2718	270	32	position	position	NOUN
easat-2718	270	33	for	for	ADP
easat-2718	270	34	time	time	NOUN
easat-2718	270	35	bucket	bucket	NOUN
easat-2718	270	36	k	k	PROPN
easat-2718	270	37	r(tk	r(tk	NOUN
easat-2718	270	38	):	):	PUNCT
easat-2718	270	39	the	the	DET
easat-2718	270	40	risk	risk	NOUN
easat-2718	270	41	-	-	PUNCT
easat-2718	270	42	free	free	ADJ
easat-2718	270	43	rate	rate	NOUN
easat-2718	270	44	at	at	ADP
easat-2718	270	45	the	the	DET
easat-2718	270	46	middle	middle	ADJ
easat-2718	270	47	point	point	NOUN
easat-2718	270	48	of	of	ADP
easat-2718	270	49	time	time	NOUN
easat-2718	270	50	for	for	ADP
easat-2718	270	51	time	time	NOUN
easat-2718	270	52	bucket	bucket	NOUN
easat-2718	270	53	k	k	PROPN
easat-2718	270	54	step	step	NOUN
easat-2718	270	55	2	2	NUM
easat-2718	270	56	:	:	PUNCT
easat-2718	270	57	determine	determine	VERB
easat-2718	270	58	the	the	DET
easat-2718	270	59	economic	economic	ADJ
easat-2718	270	60	value	value	NOUN
easat-2718	270	61	of	of	ADP
easat-2718	270	62	equity	equity	NOUN
easat-2718	270	63	in	in	ADP
easat-2718	270	64	6	6	NUM
easat-2718	270	65	interest	interest	NOUN
easat-2718	270	66	rate	rate	NOUN
easat-2718	270	67	shock	shock	NOUN
easat-2718	270	68	scenarios	scenario	NOUN
easat-2718	270	69	𝐸𝑉𝐸𝑖	𝐸𝑉𝐸𝑖	VERB
easat-2718	270	70	=	=	SYM
easat-2718	270	71	∑	∑	PART
easat-2718	270	72	⬚	⬚	PROPN
easat-2718	270	73	⬚	⬚	PROPN
easat-2718	270	74	⬚	⬚	PROPN
easat-2718	270	75	𝐺𝐴𝑃𝑘	𝐺𝐴𝑃𝑘	NOUN
easat-2718	270	76	∗	∗	NOUN
easat-2718	270	77	𝑒−𝑟𝑖(𝑡𝑘)∗𝑡𝑘	𝑒−𝑟𝑖(𝑡𝑘)∗𝑡𝑘	PROPN
easat-2718	270	78	(	(	PUNCT
easat-2718	270	79	5	5	NUM
easat-2718	270	80	)	)	PUNCT
easat-2718	270	81	in	in	ADP
easat-2718	270	82	which	which	PRON
easat-2718	270	83	:	:	PUNCT
easat-2718	270	84	evei	evei	NOUN
easat-2718	270	85	:	:	PUNCT
easat-2718	270	86	economic	economic	ADJ
easat-2718	270	87	value	value	NOUN
easat-2718	270	88	of	of	ADP
easat-2718	270	89	equity	equity	NOUN
easat-2718	270	90	in	in	ADP
easat-2718	270	91	interest	interest	NOUN
easat-2718	270	92	rate	rate	NOUN
easat-2718	270	93	shock	shock	NOUN
easat-2718	270	94	scenario	scenario	NOUN
easat-2718	271	1	i	i	PRON
easat-2718	271	2	,	,	PUNCT
easat-2718	271	3	i	i	PRON
easat-2718	271	4	ϵ	ϵ	X
easat-2718	271	5	{	{	PUNCT
easat-2718	271	6	1,2,	1,2,	NUM
easat-2718	271	7	…	…	PUNCT
easat-2718	271	8	,6	,6	ADJ
easat-2718	271	9	}	}	PUNCT
easat-2718	271	10	.	.	PUNCT
easat-2718	272	1	gapk	gapk	NOUN
easat-2718	272	2	:	:	PUNCT
easat-2718	272	3	the	the	DET
easat-2718	272	4	repricing	reprice	VERB
easat-2718	272	5	gap	gap	NOUN
easat-2718	272	6	position	position	NOUN
easat-2718	272	7	for	for	ADP
easat-2718	272	8	time	time	NOUN
easat-2718	272	9	bucket	bucket	NOUN
easat-2718	272	10	k	k	PROPN
easat-2718	272	11	ri(tk	ri(tk	PROPN
easat-2718	272	12	):	):	PUNCT
easat-2718	272	13	risk	risk	NOUN
easat-2718	272	14	-	-	PUNCT
easat-2718	272	15	free	free	ADJ
easat-2718	272	16	rate	rate	NOUN
easat-2718	272	17	at	at	ADP
easat-2718	272	18	the	the	DET
easat-2718	272	19	middle	middle	ADJ
easat-2718	272	20	point	point	NOUN
easat-2718	272	21	of	of	ADP
easat-2718	272	22	time	time	NOUN
easat-2718	272	23	for	for	ADP
easat-2718	272	24	time	time	NOUN
easat-2718	272	25	bucket	bucket	NOUN
easat-2718	272	26	k	k	PROPN
easat-2718	272	27	in	in	ADP
easat-2718	272	28	interest	interest	NOUN
easat-2718	272	29	rate	rate	NOUN
easat-2718	272	30	shock	shock	NOUN
easat-2718	272	31	scenario	scenario	NOUN
easat-2718	272	32	i	i	PRON
easat-2718	272	33	step	step	VERB
easat-2718	272	34	3	3	NUM
easat-2718	272	35	:	:	PUNCT
easat-2718	272	36	determine	determine	VERB
easat-2718	272	37	the	the	DET
easat-2718	272	38	change	change	NOUN
easat-2718	272	39	of	of	ADP
easat-2718	272	40	the	the	DET
easat-2718	272	41	economic	economic	ADJ
easat-2718	272	42	value	value	NOUN
easat-2718	272	43	of	of	ADP
easat-2718	272	44	equity	equity	NOUN
easat-2718	272	45	in	in	ADP
easat-2718	272	46	6	6	NUM
easat-2718	272	47	interest	interest	NOUN
easat-2718	272	48	rate	rate	NOUN
easat-2718	272	49	shock	shock	NOUN
easat-2718	272	50	scenarios	scenario	NOUN
easat-2718	272	51	∆𝐸𝑉𝐸𝑖	∆𝐸𝑉𝐸𝑖	VERB
easat-2718	272	52	=	=	NOUN
easat-2718	272	53	𝐸𝑉𝐸𝑏𝑎𝑠𝑒𝑙𝑖𝑛𝑒	𝐸𝑉𝐸𝑏𝑎𝑠𝑒𝑙𝑖𝑛𝑒	PROPN
easat-2718	272	54	−	−	PROPN
easat-2718	272	55	𝐸𝑉𝐸𝑖	𝐸𝑉𝐸𝑖	NOUN
easat-2718	272	56	(	(	PUNCT
easat-2718	272	57	6	6	NUM
easat-2718	272	58	)	)	PUNCT
easat-2718	272	59	the	the	DET
easat-2718	272	60	change	change	NOUN
easat-2718	272	61	in	in	ADP
easat-2718	272	62	the	the	DET
easat-2718	272	63	economic	economic	ADJ
easat-2718	272	64	value	value	NOUN
easat-2718	272	65	of	of	ADP
easat-2718	272	66	equity	equity	NOUN
easat-2718	272	67	(	(	PUNCT
easat-2718	272	68	∆	∆	X
easat-2718	272	69	𝐸𝑉𝐸	𝐸𝑉𝐸	PROPN
easat-2718	272	70	)	)	PUNCT
easat-2718	272	71	of	of	ADP
easat-2718	272	72	bank	bank	PROPN
easat-2718	272	73	z	z	PROPN
easat-2718	272	74	is	be	AUX
easat-2718	272	75	shown	show	VERB
easat-2718	272	76	in	in	ADP
easat-2718	272	77	table	table	NOUN
easat-2718	272	78	3	3	NUM
easat-2718	272	79	:	:	SYM
easat-2718	272	80	3373	3373	NUM
easat-2718	272	81	edelweiss	edelweiss	PROPN
easat-2718	272	82	applied	apply	VERB
easat-2718	272	83	science	science	NOUN
easat-2718	272	84	and	and	CCONJ
easat-2718	272	85	technology	technology	NOUN
easat-2718	272	86	issn	issn	PROPN
easat-2718	272	87	:	:	PUNCT
easat-2718	272	88	2576	2576	NUM
easat-2718	272	89	-	-	SYM
easat-2718	272	90	8484	8484	NUM
easat-2718	272	91	vol	vol	NOUN
easat-2718	272	92	.	.	PROPN
easat-2718	272	93	8	8	NUM
easat-2718	272	94	,	,	PUNCT
easat-2718	272	95	no	no	INTJ
easat-2718	272	96	.	.	NOUN
easat-2718	273	1	6	6	NUM
easat-2718	273	2	:	:	PUNCT
easat-2718	273	3	3361	3361	NUM
easat-2718	273	4	-	-	SYM
easat-2718	273	5	3380	3380	NUM
easat-2718	273	6	,	,	PUNCT
easat-2718	273	7	2024	2024	NUM
easat-2718	273	8	doi	doi	NOUN
easat-2718	273	9	:	:	PUNCT
easat-2718	273	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	273	11	©	©	PROPN
easat-2718	273	12	2024	2024	NUM
easat-2718	273	13	by	by	ADP
easat-2718	273	14	the	the	DET
easat-2718	273	15	authors	author	NOUN
easat-2718	273	16	;	;	PUNCT
easat-2718	273	17	licensee	licensee	PROPN
easat-2718	273	18	learning	learn	VERB
easat-2718	273	19	gate	gate	NOUN
easat-2718	273	20	table	table	NOUN
easat-2718	273	21	3	3	NUM
easat-2718	273	22	.	.	PUNCT
easat-2718	274	1	change	change	NOUN
easat-2718	274	2	in	in	ADP
easat-2718	274	3	the	the	DET
easat-2718	274	4	economic	economic	ADJ
easat-2718	274	5	value	value	NOUN
easat-2718	274	6	of	of	ADP
easat-2718	274	7	equity	equity	NOUN
easat-2718	274	8	(	(	PUNCT
easat-2718	274	9	∆	∆	X
easat-2718	274	10	𝐸𝑉𝐸	𝐸𝑉𝐸	PROPN
easat-2718	274	11	)	)	PUNCT
easat-2718	274	12	(	(	PUNCT
easat-2718	274	13	unit	unit	NOUN
easat-2718	274	14	:	:	PUNCT
easat-2718	274	15	million	million	NUM
easat-2718	274	16	vnd	vnd	PROPN
easat-2718	274	17	)	)	PUNCT
easat-2718	274	18	.	.	PUNCT
easat-2718	275	1	eve	eve	PROPN
easat-2718	275	2	∆eve	∆eve	PROPN
easat-2718	276	1	basic	basic	ADJ
easat-2718	276	2	scenario	scenario	NOUN
easat-2718	276	3	-2,791,185	-2,791,185	PUNCT
easat-2718	276	4	scenario	scenario	PROPN
easat-2718	276	5	1	1	NUM
easat-2718	276	6	-2,868,554	-2,868,554	NOUN
easat-2718	276	7	-77,369	-77,369	PUNCT
easat-2718	276	8	scenario	scenario	NOUN
easat-2718	276	9	2	2	NUM
easat-2718	276	10	-2,708,249	-2,708,249	SYM
easat-2718	276	11	82,936	82,936	NUM
easat-2718	276	12	scenario	scenario	NOUN
easat-2718	276	13	3	3	NUM
easat-2718	276	14	-2,742,633	-2,742,633	SYM
easat-2718	276	15	48,552	48,552	NUM
easat-2718	276	16	scenario	scenario	NOUN
easat-2718	276	17	4	4	NUM
easat-2718	276	18	-2,840,413	-2,840,413	PUNCT
easat-2718	276	19	-49,228	-49,228	PROPN
easat-2718	276	20	scenario	scenario	NOUN
easat-2718	276	21	5	5	NUM
easat-2718	276	22	-2,901,358	-2,901,358	PROPN
easat-2718	276	23	-110,173	-110,173	PROPN
easat-2718	276	24	scenario	scenario	NOUN
easat-2718	276	25	6	6	NUM
easat-2718	276	26	-2,721,248	-2,721,248	SYM
easat-2718	276	27	69,937	69,937	NUM
easat-2718	276	28	from	from	ADP
easat-2718	276	29	the	the	DET
easat-2718	276	30	results	result	NOUN
easat-2718	276	31	in	in	ADP
easat-2718	276	32	table	table	NOUN
easat-2718	276	33	3	3	NUM
easat-2718	276	34	,	,	PUNCT
easat-2718	276	35	the	the	DET
easat-2718	276	36	worst	bad	ADJ
easat-2718	276	37	and	and	CCONJ
easat-2718	276	38	total	total	ADJ
easat-2718	276	39	impact	impact	NOUN
easat-2718	276	40	of	of	ADP
easat-2718	276	41	eve	eve	NOUN
easat-2718	276	42	is	be	AUX
easat-2718	276	43	decreasing	decrease	VERB
easat-2718	276	44	82,836	82,836	NUM
easat-2718	276	45	million	million	NUM
easat-2718	276	46	economic	economic	ADJ
easat-2718	276	47	values	value	NOUN
easat-2718	276	48	of	of	ADP
easat-2718	276	49	equity	equity	NOUN
easat-2718	276	50	for	for	ADP
easat-2718	276	51	scenario	scenario	NOUN
easat-2718	276	52	2	2	NUM
easat-2718	276	53	.	.	PUNCT
easat-2718	277	1	it	it	PRON
easat-2718	277	2	aligns	align	VERB
easat-2718	277	3	with	with	ADP
easat-2718	277	4	previous	previous	ADJ
easat-2718	277	5	studies	study	NOUN
easat-2718	277	6	(	(	PUNCT
easat-2718	277	7	such	such	ADJ
easat-2718	277	8	as	as	ADP
easat-2718	277	9	sharma	sharma	NOUN
easat-2718	277	10	,	,	PUNCT
easat-2718	277	11	m.	m.	NOUN
easat-2718	277	12	2012	2012	NUM
easat-2718	277	13	;	;	PUNCT
easat-2718	277	14	ozdemir	ozdemir	PROPN
easat-2718	277	15	&	&	CCONJ
easat-2718	277	16	sudarsana	sudarsana	PROPN
easat-2718	277	17	,	,	PUNCT
easat-2718	277	18	2016	2016	NUM
easat-2718	277	19	;	;	PUNCT
easat-2718	277	20	zijderveld	zijderveld	NOUN
easat-2718	277	21	,	,	PUNCT
easat-2718	277	22	2017	2017	NUM
easat-2718	277	23	;	;	PUNCT
easat-2718	277	24	wycisk	wycisk	NOUN
easat-2718	277	25	&	&	CCONJ
easat-2718	277	26	blijlevens	blijleven	NOUN
easat-2718	277	27	,	,	PUNCT
easat-2718	277	28	2018	2018	NUM
easat-2718	277	29	)	)	PUNCT
easat-2718	277	30	in	in	ADP
easat-2718	277	31	measuring	measure	VERB
easat-2718	277	32	irrbb	irrbb	NOUN
easat-2718	277	33	by	by	ADP
easat-2718	277	34	the	the	DET
easat-2718	277	35	change	change	NOUN
easat-2718	277	36	in	in	ADP
easat-2718	277	37	net	net	ADJ
easat-2718	277	38	interest	interest	NOUN
easat-2718	277	39	income	income	NOUN
easat-2718	277	40	and	and	CCONJ
easat-2718	277	41	the	the	DET
easat-2718	277	42	change	change	NOUN
easat-2718	277	43	in	in	ADP
easat-2718	277	44	the	the	DET
easat-2718	277	45	economic	economic	ADJ
easat-2718	277	46	value	value	NOUN
easat-2718	277	47	of	of	ADP
easat-2718	277	48	equity	equity	NOUN
easat-2718	277	49	.	.	PUNCT
easat-2718	278	1	this	this	DET
easat-2718	278	2	study	study	NOUN
easat-2718	278	3	,	,	PUNCT
easat-2718	278	4	however	however	ADV
easat-2718	278	5	,	,	PUNCT
easat-2718	278	6	provides	provide	VERB
easat-2718	278	7	a	a	DET
easat-2718	278	8	more	more	ADV
easat-2718	278	9	detailed	detailed	ADJ
easat-2718	278	10	analysis	analysis	NOUN
easat-2718	278	11	of	of	ADP
easat-2718	278	12	the	the	DET
easat-2718	278	13	steps	step	NOUN
easat-2718	278	14	that	that	PRON
easat-2718	278	15	a	a	DET
easat-2718	278	16	bank	bank	NOUN
easat-2718	278	17	needs	need	VERB
easat-2718	278	18	to	to	PART
easat-2718	278	19	undertake	undertake	VERB
easat-2718	278	20	4.8	4.8	NUM
easat-2718	278	21	.	.	PUNCT
easat-2718	279	1	irrbb	irrbb	PROPN
easat-2718	279	2	stress	stress	NOUN
easat-2718	279	3	test	test	NOUN
easat-2718	279	4	and	and	CCONJ
easat-2718	279	5	capital	capital	NOUN
easat-2718	279	6	requirement	requirement	NOUN
easat-2718	279	7	for	for	ADP
easat-2718	279	8	irrbb	irrbb	PROPN
easat-2718	279	9	irrbb	irrbb	PROPN
easat-2718	279	10	stress	stress	NOUN
easat-2718	279	11	testing	testing	NOUN
easat-2718	279	12	is	be	AUX
easat-2718	279	13	implemented	implement	VERB
easat-2718	279	14	quarterly	quarterly	ADV
easat-2718	279	15	,	,	PUNCT
easat-2718	279	16	combined	combine	VERB
easat-2718	279	17	with	with	ADP
easat-2718	279	18	irrbb	irrbb	PROPN
easat-2718	279	19	measurement	measurement	NOUN
easat-2718	279	20	to	to	PART
easat-2718	279	21	supply	supply	VERB
easat-2718	279	22	a	a	DET
easat-2718	279	23	comprehensive	comprehensive	ADJ
easat-2718	279	24	view	view	NOUN
easat-2718	279	25	of	of	ADP
easat-2718	279	26	the	the	DET
easat-2718	279	27	irrbb	irrbb	NOUN
easat-2718	279	28	of	of	ADP
easat-2718	279	29	the	the	DET
easat-2718	279	30	bank	bank	NOUN
easat-2718	279	31	;	;	PUNCT
easat-2718	279	32	since	since	SCONJ
easat-2718	279	33	then	then	ADV
easat-2718	279	34	,	,	PUNCT
easat-2718	279	35	there	there	PRON
easat-2718	279	36	have	have	AUX
easat-2718	279	37	been	be	AUX
easat-2718	279	38	solutions	solution	NOUN
easat-2718	279	39	to	to	PART
easat-2718	279	40	control	control	VERB
easat-2718	279	41	and	and	CCONJ
easat-2718	279	42	mitigate	mitigate	VERB
easat-2718	279	43	risk	risk	NOUN
easat-2718	279	44	.	.	PUNCT
easat-2718	280	1	bank	bank	PROPN
easat-2718	280	2	z	z	PROPN
easat-2718	280	3	will	will	AUX
easat-2718	280	4	undertake	undertake	VERB
easat-2718	280	5	the	the	DET
easat-2718	280	6	irrbb	irrbb	NOUN
easat-2718	280	7	stress	stress	NOUN
easat-2718	280	8	test	test	NOUN
easat-2718	280	9	for	for	ADP
easat-2718	280	10	∆𝑁𝐼𝐼	∆𝑁𝐼𝐼	PROPN
easat-2718	280	11	and	and	CCONJ
easat-2718	280	12	∆𝐸𝑉𝐸	∆𝐸𝑉𝐸	NUM
easat-2718	280	13	when	when	SCONJ
easat-2718	280	14	there	there	PRON
easat-2718	280	15	are	be	VERB
easat-2718	280	16	interest	interest	NOUN
easat-2718	280	17	rate	rate	NOUN
easat-2718	280	18	shocks	shock	NOUN
easat-2718	280	19	and	and	CCONJ
easat-2718	280	20	stress	stress	NOUN
easat-2718	280	21	scenarios	scenario	NOUN
easat-2718	280	22	.	.	PUNCT
easat-2718	281	1	the	the	DET
easat-2718	281	2	stress	stress	NOUN
easat-2718	281	3	scenarios	scenario	NOUN
easat-2718	281	4	in	in	ADP
easat-2718	281	5	the	the	DET
easat-2718	281	6	stress	stress	NOUN
easat-2718	281	7	test	test	NOUN
easat-2718	281	8	must	must	AUX
easat-2718	281	9	be	be	AUX
easat-2718	281	10	worse	bad	ADJ
easat-2718	281	11	than	than	ADP
easat-2718	281	12	when	when	SCONJ
easat-2718	281	13	measuring	measure	VERB
easat-2718	281	14	irrbb	irrbb	NOUN
easat-2718	281	15	monthly	monthly	ADV
easat-2718	281	16	.	.	PUNCT
easat-2718	282	1	irrbb	irrbb	PROPN
easat-2718	282	2	stress	stress	NOUN
easat-2718	282	3	test	test	NOUN
easat-2718	282	4	for	for	ADP
easat-2718	282	5	∆nii	∆nii	NUM
easat-2718	282	6	.	.	PUNCT
easat-2718	283	1	the	the	DET
easat-2718	283	2	stress	stress	NOUN
easat-2718	283	3	scenario	scenario	NOUN
easat-2718	283	4	to	to	PART
easat-2718	283	5	implement	implement	VERB
easat-2718	283	6	the	the	DET
easat-2718	283	7	irrbb	irrbb	NOUN
easat-2718	283	8	stress	stress	NOUN
easat-2718	283	9	test	test	NOUN
easat-2718	283	10	for	for	ADP
easat-2718	283	11	∆nii	∆nii	PRON
easat-2718	283	12	is	be	AUX
easat-2718	283	13	a	a	DET
easat-2718	283	14	change	change	NOUN
easat-2718	283	15	in	in	ADP
easat-2718	283	16	interest	interest	NOUN
easat-2718	283	17	rate	rate	NOUN
easat-2718	283	18	of	of	ADP
easat-2718	283	19	200	200	NUM
easat-2718	283	20	basis	basis	NOUN
easat-2718	283	21	points	point	NOUN
easat-2718	283	22	.	.	PUNCT
easat-2718	284	1	from	from	ADP
easat-2718	284	2	table	table	NOUN
easat-2718	284	3	4	4	NUM
easat-2718	284	4	,	,	PUNCT
easat-2718	284	5	the	the	DET
easat-2718	284	6	worst	bad	ADJ
easat-2718	284	7	and	and	CCONJ
easat-2718	284	8	total	total	ADJ
easat-2718	284	9	impact	impact	NOUN
easat-2718	284	10	of	of	ADP
easat-2718	284	11	nii	nii	PROPN
easat-2718	284	12	is	be	AUX
easat-2718	284	13	decreasing	decrease	VERB
easat-2718	284	14	16,485	16,485	NUM
easat-2718	284	15	million	million	NUM
easat-2718	284	16	interest	interest	NOUN
easat-2718	284	17	rate	rate	NOUN
easat-2718	284	18	income	income	NOUN
easat-2718	284	19	when	when	SCONJ
easat-2718	284	20	there	there	PRON
easat-2718	284	21	is	be	VERB
easat-2718	284	22	a	a	DET
easat-2718	284	23	200	200	NUM
easat-2718	284	24	-	-	PUNCT
easat-2718	284	25	basis	basis	NOUN
easat-2718	284	26	point	point	NOUN
easat-2718	284	27	increase	increase	NOUN
easat-2718	284	28	in	in	ADP
easat-2718	284	29	the	the	DET
easat-2718	284	30	yield	yield	NOUN
easat-2718	284	31	curve	curve	NOUN
easat-2718	284	32	.	.	PUNCT
easat-2718	285	1	table	table	NOUN
easat-2718	285	2	4	4	NUM
easat-2718	285	3	.	.	PUNCT
easat-2718	286	1	irrbb	irrbb	PROPN
easat-2718	286	2	stress	stress	NOUN
easat-2718	286	3	test	test	NOUN
easat-2718	286	4	for	for	ADP
easat-2718	286	5	∆nii	∆nii	PROPN
easat-2718	286	6	.	.	PUNCT
easat-2718	287	1	time	time	NOUN
easat-2718	287	2	buckets	bucket	NOUN
easat-2718	287	3	gap	gap	NOUN
easat-2718	287	4	∆r	∆r	NOUN
easat-2718	287	5	∆niii	∆niii	NUM
easat-2718	287	6	∆r	∆r	NOUN
easat-2718	287	7	∆niii	∆niii	NUM
easat-2718	287	8	0	0	NUM
easat-2718	287	9	-	-	SYM
easat-2718	287	10	1	1	NUM
easat-2718	287	11	m	m	NOUN
easat-2718	287	12	840,521	840,521	NUM
easat-2718	287	13	2.00	2.00	NUM
easat-2718	287	14	%	%	NOUN
easat-2718	287	15	16,110	16,110	NUM
easat-2718	287	16	-2.00	-2.00	NUM
easat-2718	287	17	%	%	NOUN
easat-2718	287	18	-16,110	-16,110	PROPN
easat-2718	287	19	1	1	NUM
easat-2718	287	20	-	-	SYM
easat-2718	287	21	3	3	NUM
easat-2718	287	22	m	m	NOUN
easat-2718	287	23	2,224,837	2,224,837	NUM
easat-2718	287	24	2.00	2.00	NUM
easat-2718	287	25	%	%	NOUN
easat-2718	287	26	37,081	37,081	NUM
easat-2718	287	27	-2.00	-2.00	NUM
easat-2718	287	28	%	%	NOUN
easat-2718	287	29	-37,081	-37,081	PROPN
easat-2718	287	30	3	3	NUM
easat-2718	287	31	-	-	SYM
easat-2718	287	32	6	6	NUM
easat-2718	287	33	m	m	NOUN
easat-2718	287	34	-7,892,219	-7,892,219	NUM
easat-2718	287	35	2.00	2.00	NUM
easat-2718	287	36	%	%	NOUN
easat-2718	287	37	-98,653	-98,653	PROPN
easat-2718	287	38	-2.00	-2.00	NUM
easat-2718	287	39	%	%	NOUN
easat-2718	287	40	98,653	98,653	NUM
easat-2718	287	41	6	6	NUM
easat-2718	287	42	-	-	SYM
easat-2718	287	43	12	12	NUM
easat-2718	287	44	m	m	NOUN
easat-2718	287	45	5,795,336	5,795,336	NUM
easat-2718	287	46	2.00	2.00	NUM
easat-2718	287	47	%	%	NOUN
easat-2718	287	48	28,977	28,977	NUM
easat-2718	287	49	-2.00	-2.00	NUM
easat-2718	287	50	%	%	NOUN
easat-2718	287	51	-28,977	-28,977	NOUN
easat-2718	287	52	total	total	ADJ
easat-2718	287	53	-16,485	-16,485	PUNCT
easat-2718	287	54	16,485	16,485	NUM
easat-2718	287	55	irrbb	irrbb	NOUN
easat-2718	287	56	stress	stress	NOUN
easat-2718	287	57	test	test	NOUN
easat-2718	287	58	for	for	ADP
easat-2718	287	59	∆𝐸𝑉𝐸.	∆𝐸𝑉𝐸.	PROPN
easat-2718	287	60	the	the	DET
easat-2718	287	61	stress	stress	NOUN
easat-2718	287	62	scenarios	scenario	NOUN
easat-2718	287	63	to	to	PART
easat-2718	287	64	implement	implement	VERB
easat-2718	287	65	the	the	DET
easat-2718	287	66	irrbb	irrbb	NOUN
easat-2718	287	67	stress	stress	NOUN
easat-2718	287	68	test	test	NOUN
easat-2718	287	69	for	for	ADP
easat-2718	287	70	∆eve	∆eve	PROPN
easat-2718	287	71	scenarios	scenario	NOUN
easat-2718	287	72	are	be	AUX
easat-2718	287	73	shown	show	VERB
easat-2718	287	74	in	in	ADP
easat-2718	287	75	appendix	appendix	NOUN
easat-2718	287	76	5	5	NUM
easat-2718	287	77	to	to	PART
easat-2718	287	78	build	build	VERB
easat-2718	287	79	interest	interest	NOUN
easat-2718	287	80	rate	rate	NOUN
easat-2718	287	81	shock	shock	NOUN
easat-2718	287	82	scenarios	scenario	NOUN
easat-2718	287	83	for	for	ADP
easat-2718	287	84	a	a	DET
easat-2718	287	85	stress	stress	NOUN
easat-2718	287	86	test	test	NOUN
easat-2718	287	87	,	,	PUNCT
easat-2718	287	88	authors	author	NOUN
easat-2718	287	89	collected	collect	VERB
easat-2718	287	90	historical	historical	ADJ
easat-2718	287	91	data	datum	NOUN
easat-2718	287	92	on	on	ADP
easat-2718	287	93	risk	risk	NOUN
easat-2718	287	94	-	-	PUNCT
easat-2718	287	95	free	free	ADJ
easat-2718	287	96	rates	rate	NOUN
easat-2718	287	97	with	with	ADP
easat-2718	287	98	250	250	NUM
easat-2718	287	99	historical	historical	ADJ
easat-2718	287	100	observations	observation	NOUN
easat-2718	287	101	with	with	ADP
easat-2718	287	102	different	different	ADJ
easat-2718	287	103	interest	interest	NOUN
easat-2718	287	104	rate	rate	NOUN
easat-2718	287	105	maturity	maturity	NOUN
easat-2718	287	106	frameworks	framework	NOUN
easat-2718	287	107	.	.	PUNCT
easat-2718	288	1	determine	determine	VERB
easat-2718	288	2	the	the	DET
easat-2718	288	3	series	series	NOUN
easat-2718	288	4	of	of	ADP
easat-2718	288	5	6	6	NUM
easat-2718	288	6	-	-	PUNCT
easat-2718	288	7	month	month	NOUN
easat-2718	288	8	interest	interest	NOUN
easat-2718	288	9	rate	rate	NOUN
easat-2718	288	10	change	change	NOUN
easat-2718	288	11	rates	rate	NOUN
easat-2718	288	12	for	for	ADP
easat-2718	288	13	all	all	DET
easat-2718	288	14	risk	risk	NOUN
easat-2718	288	15	-	-	PUNCT
easat-2718	288	16	free	free	ADJ
easat-2718	288	17	rates	rate	NOUN
easat-2718	288	18	for	for	ADP
easat-2718	288	19	all	all	DET
easat-2718	288	20	terms	term	NOUN
easat-2718	288	21	collected	collect	VERB
easat-2718	288	22	.	.	PUNCT
easat-2718	289	1	determine	determine	VERB
easat-2718	289	2	the	the	DET
easat-2718	289	3	average	average	ADJ
easat-2718	289	4	series	series	NOUN
easat-2718	289	5	of	of	ADP
easat-2718	289	6	change	change	NOUN
easat-2718	289	7	rates	rate	NOUN
easat-2718	289	8	for	for	ADP
easat-2718	289	9	the	the	DET
easat-2718	289	10	scenarios	scenario	NOUN
easat-2718	289	11	:	:	PUNCT
easat-2718	289	12	parallel	parallel	ADJ
easat-2718	289	13	(	(	PUNCT
easat-2718	289	14	all	all	DET
easat-2718	289	15	terms	term	NOUN
easat-2718	289	16	)	)	PUNCT
easat-2718	289	17	,	,	PUNCT
easat-2718	289	18	short	short	ADJ
easat-2718	289	19	-	-	PUNCT
easat-2718	289	20	term	term	NOUN
easat-2718	289	21	(	(	PUNCT
easat-2718	289	22	up	up	ADP
easat-2718	289	23	to	to	PART
easat-2718	289	24	1	1	NUM
easat-2718	289	25	year	year	NOUN
easat-2718	289	26	)	)	PUNCT
easat-2718	289	27	,	,	PUNCT
easat-2718	289	28	long	long	ADJ
easat-2718	289	29	longterm	longterm	PROPN
easat-2718	289	30	(	(	PUNCT
easat-2718	289	31	from	from	ADP
easat-2718	289	32	1	1	NUM
easat-2718	289	33	year	year	NOUN
easat-2718	289	34	to	to	ADP
easat-2718	289	35	5	5	NUM
easat-2718	289	36	years	year	NOUN
easat-2718	289	37	)	)	PUNCT
easat-2718	289	38	.	.	PUNCT
easat-2718	290	1	determine	determine	VERB
easat-2718	290	2	the	the	DET
easat-2718	290	3	shock	shock	NOUN
easat-2718	290	4	parameters	parameter	NOUN
easat-2718	290	5	of	of	ADP
easat-2718	290	6	each	each	DET
easat-2718	290	7	scenario	scenario	NOUN
easat-2718	290	8	using	use	VERB
easat-2718	290	9	the	the	DET
easat-2718	290	10	var	var	NOUN
easat-2718	290	11	method	method	NOUN
easat-2718	290	12	by	by	ADP
easat-2718	290	13	estimating	estimate	VERB
easat-2718	290	14	the	the	DET
easat-2718	290	15	1	1	NUM
easat-2718	290	16	%	%	NOUN
easat-2718	290	17	and	and	CCONJ
easat-2718	290	18	99	99	NUM
easat-2718	290	19	%	%	NOUN
easat-2718	290	20	percentile	percentile	NOUN
easat-2718	290	21	of	of	ADP
easat-2718	290	22	the	the	DET
easat-2718	290	23	average	average	ADJ
easat-2718	290	24	series	series	NOUN
easat-2718	290	25	for	for	ADP
easat-2718	290	26	all	all	DET
easat-2718	290	27	scenarios	scenario	NOUN
easat-2718	290	28	.	.	PUNCT
easat-2718	291	1	the	the	DET
easat-2718	291	2	shock	shock	NOUN
easat-2718	291	3	parameter	parameter	NOUN
easat-2718	291	4	of	of	ADP
easat-2718	291	5	each	each	DET
easat-2718	291	6	scenario	scenario	NOUN
easat-2718	291	7	is	be	AUX
easat-2718	291	8	then	then	ADV
easat-2718	291	9	determined	determine	VERB
easat-2718	291	10	by	by	ADP
easat-2718	291	11	the	the	DET
easat-2718	291	12	more	more	ADV
easat-2718	291	13	significant	significant	ADJ
easat-2718	291	14	number	number	NOUN
easat-2718	291	15	between	between	ADP
easat-2718	291	16	the	the	DET
easat-2718	291	17	99	99	NUM
easat-2718	291	18	%	%	NOUN
easat-2718	291	19	percentile	percentile	NOUN
easat-2718	291	20	and	and	CCONJ
easat-2718	291	21	the	the	DET
easat-2718	291	22	absolute	absolute	ADJ
easat-2718	291	23	value	value	NOUN
easat-2718	291	24	of	of	ADP
easat-2718	291	25	the	the	DET
easat-2718	291	26	1	1	NUM
easat-2718	291	27	%	%	NOUN
easat-2718	291	28	percentile	percentile	NOUN
easat-2718	291	29	.	.	PUNCT
easat-2718	292	1	based	base	VERB
easat-2718	292	2	on	on	ADP
easat-2718	292	3	basel	basel	PROPN
easat-2718	292	4	's	's	PART
easat-2718	292	5	(	(	PUNCT
easat-2718	292	6	2016	2016	NUM
easat-2718	292	7	)	)	PUNCT
easat-2718	292	8	guideline	guideline	NOUN
easat-2718	292	9	,	,	PUNCT
easat-2718	292	10	build	build	VERB
easat-2718	292	11	the	the	DET
easat-2718	292	12	yield	yield	NOUN
easat-2718	292	13	curve	curve	NOUN
easat-2718	292	14	scenarios	scenario	NOUN
easat-2718	292	15	by	by	ADP
easat-2718	292	16	combining	combine	VERB
easat-2718	292	17	each	each	DET
easat-2718	292	18	scenario	scenario	NOUN
easat-2718	292	19	's	's	PART
easat-2718	292	20	baseline	baseline	PROPN
easat-2718	292	21	scenario	scenario	NOUN
easat-2718	292	22	and	and	CCONJ
easat-2718	292	23	shock	shock	NOUN
easat-2718	292	24	parameter	parameter	NOUN
easat-2718	292	25	.	.	PUNCT
easat-2718	293	1	there	there	PRON
easat-2718	293	2	are	be	VERB
easat-2718	293	3	six	six	NUM
easat-2718	293	4	scenarios	scenario	NOUN
easat-2718	293	5	:	:	PUNCT
easat-2718	293	6	(	(	PUNCT
easat-2718	293	7	i	i	NOUN
easat-2718	293	8	)	)	PUNCT
easat-2718	293	9	scenario	scenario	NOUN
easat-2718	293	10	1	1	NUM
easat-2718	293	11	:	:	PUNCT
easat-2718	293	12	parallel	parallel	ADJ
easat-2718	293	13	shock	shock	NOUN
easat-2718	293	14	up	up	ADP
easat-2718	293	15	;	;	PUNCT
easat-2718	293	16	(	(	PUNCT
easat-2718	293	17	ii	ii	NOUN
easat-2718	293	18	)	)	PUNCT
easat-2718	293	19	scenario	scenario	NOUN
easat-2718	293	20	2	2	NUM
easat-2718	293	21	:	:	PUNCT
easat-2718	293	22	parallel	parallel	ADJ
easat-2718	293	23	shock	shock	NOUN
easat-2718	293	24	down	down	ADV
easat-2718	293	25	;	;	PUNCT
easat-2718	293	26	(	(	PUNCT
easat-2718	293	27	iii	iii	X
easat-2718	293	28	)	)	PUNCT
easat-2718	293	29	scenario	scenario	NOUN
easat-2718	293	30	3	3	NUM
easat-2718	293	31	:	:	PUNCT
easat-2718	293	32	steeper	steep	ADJ
easat-2718	293	33	shock	shock	NOUN
easat-2718	293	34	(	(	PUNCT
easat-2718	293	35	short	short	ADJ
easat-2718	293	36	rates	rate	NOUN
easat-2718	293	37	down	down	ADV
easat-2718	293	38	and	and	CCONJ
easat-2718	293	39	long	long	ADJ
easat-2718	293	40	rates	rate	NOUN
easat-2718	293	41	up	up	ADV
easat-2718	293	42	;	;	PUNCT
easat-2718	293	43	(	(	PUNCT
easat-2718	293	44	iv	iv	X
easat-2718	293	45	)	)	PUNCT
easat-2718	293	46	scenario	scenario	NOUN
easat-2718	293	47	4	4	NUM
easat-2718	293	48	:	:	PUNCT
easat-2718	293	49	flattener	flattener	NOUN
easat-2718	293	50	shock	shock	NOUN
easat-2718	293	51	(	(	PUNCT
easat-2718	293	52	short	short	ADJ
easat-2718	293	53	rates	rate	NOUN
easat-2718	293	54	up	up	ADP
easat-2718	293	55	and	and	CCONJ
easat-2718	293	56	long	long	ADJ
easat-2718	293	57	rates	rate	NOUN
easat-2718	293	58	down	down	ADP
easat-2718	293	59	)	)	PUNCT
easat-2718	293	60	;	;	PUNCT
easat-2718	293	61	(	(	PUNCT
easat-2718	293	62	v	v	NOUN
easat-2718	293	63	)	)	PUNCT
easat-2718	293	64	scenario	scenario	NOUN
easat-2718	293	65	5	5	NUM
easat-2718	293	66	:	:	PUNCT
easat-2718	293	67	short	short	ADJ
easat-2718	293	68	rates	rate	NOUN
easat-2718	293	69	shock	shock	VERB
easat-2718	293	70	up	up	ADP
easat-2718	293	71	;	;	PUNCT
easat-2718	293	72	and	and	CCONJ
easat-2718	293	73	(	(	PUNCT
easat-2718	293	74	vi	vi	NOUN
easat-2718	293	75	)	)	PUNCT
easat-2718	293	76	scenario	scenario	NOUN
easat-2718	293	77	6	6	NUM
easat-2718	293	78	:	:	PUNCT
easat-2718	293	79	short	short	ADJ
easat-2718	293	80	rates	rate	NOUN
easat-2718	293	81	shock	shock	VERB
easat-2718	293	82	down	down	ADP
easat-2718	293	83	.	.	PUNCT
easat-2718	294	1	3374	3374	NUM
easat-2718	294	2	edelweiss	edelweiss	PROPN
easat-2718	294	3	applied	apply	VERB
easat-2718	294	4	science	science	NOUN
easat-2718	294	5	and	and	CCONJ
easat-2718	294	6	technology	technology	NOUN
easat-2718	294	7	issn	issn	PROPN
easat-2718	294	8	:	:	PUNCT
easat-2718	294	9	2576	2576	NUM
easat-2718	294	10	-	-	SYM
easat-2718	294	11	8484	8484	NUM
easat-2718	294	12	vol	vol	NOUN
easat-2718	294	13	.	.	PROPN
easat-2718	294	14	8	8	NUM
easat-2718	294	15	,	,	PUNCT
easat-2718	294	16	no	no	INTJ
easat-2718	294	17	.	.	NOUN
easat-2718	295	1	6	6	NUM
easat-2718	295	2	:	:	PUNCT
easat-2718	295	3	3361	3361	NUM
easat-2718	295	4	-	-	SYM
easat-2718	295	5	3380	3380	NUM
easat-2718	295	6	,	,	PUNCT
easat-2718	295	7	2024	2024	NUM
easat-2718	295	8	doi	doi	NOUN
easat-2718	295	9	:	:	PUNCT
easat-2718	295	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	295	11	©	©	PROPN
easat-2718	295	12	2024	2024	NUM
easat-2718	295	13	by	by	ADP
easat-2718	295	14	the	the	DET
easat-2718	295	15	authors	author	NOUN
easat-2718	295	16	;	;	PUNCT
easat-2718	295	17	licensee	licensee	PROPN
easat-2718	295	18	learning	learn	VERB
easat-2718	295	19	gate	gate	NOUN
easat-2718	295	20	table	table	NOUN
easat-2718	295	21	5	5	NUM
easat-2718	295	22	.	.	PUNCT
easat-2718	295	23	interest	interest	NOUN
easat-2718	295	24	rate	rate	NOUN
easat-2718	295	25	shock	shock	NOUN
easat-2718	295	26	scenarios	scenario	NOUN
easat-2718	295	27	for	for	ADP
easat-2718	295	28	a	a	DET
easat-2718	295	29	stress	stress	NOUN
easat-2718	295	30	test	test	NOUN
easat-2718	295	31	.	.	PUNCT
easat-2718	296	1	time	time	NOUN
easat-2718	296	2	bucket	bucket	PROPN
easat-2718	296	3	scenario	scenario	NOUN
easat-2718	296	4	1	1	NUM
easat-2718	296	5	scenario	scenario	NOUN
easat-2718	296	6	2	2	NUM
easat-2718	296	7	scenario	scenario	NOUN
easat-2718	296	8	3	3	NUM
easat-2718	296	9	scenario	scenario	NOUN
easat-2718	296	10	4	4	NUM
easat-2718	296	11	scenario	scenario	NOUN
easat-2718	296	12	5	5	NUM
easat-2718	296	13	scenario	scenario	NOUN
easat-2718	296	14	6	6	NUM
easat-2718	296	15	0	0	NUM
easat-2718	296	16	-	-	SYM
easat-2718	296	17	1	1	NUM
easat-2718	296	18	m	m	NOUN
easat-2718	296	19	3.02	3.02	NUM
easat-2718	296	20	%	%	NOUN
easat-2718	296	21	0.02	0.02	NUM
easat-2718	296	22	%	%	NOUN
easat-2718	296	23	3.50	3.50	NUM
easat-2718	296	24	%	%	NOUN
easat-2718	296	25	-0.47	-0.47	ADJ
easat-2718	296	26	%	%	NOUN
easat-2718	296	27	0.23	0.23	NUM
easat-2718	296	28	%	%	NOUN
easat-2718	296	29	3.10	3.10	NUM
easat-2718	296	30	%	%	NOUN
easat-2718	296	31	1	1	NUM
easat-2718	296	32	-	-	SYM
easat-2718	296	33	3	3	NUM
easat-2718	296	34	m	m	NOUN
easat-2718	296	35	3.52	3.52	NUM
easat-2718	296	36	%	%	NOUN
easat-2718	296	37	0.52	0.52	NUM
easat-2718	296	38	%	%	NOUN
easat-2718	296	39	3.93	3.93	NUM
easat-2718	296	40	%	%	NOUN
easat-2718	296	41	0.10	0.10	NUM
easat-2718	296	42	%	%	NOUN
easat-2718	296	43	0.81	0.81	NUM
easat-2718	296	44	%	%	NOUN
easat-2718	296	45	3.53	3.53	NUM
easat-2718	296	46	%	%	NOUN
easat-2718	296	47	3	3	NUM
easat-2718	296	48	-	-	SYM
easat-2718	296	49	6	6	NUM
easat-2718	296	50	m	m	NOUN
easat-2718	296	51	4.22	4.22	NUM
easat-2718	296	52	%	%	NOUN
easat-2718	296	53	1.22	1.22	NUM
easat-2718	296	54	%	%	NOUN
easat-2718	296	55	4.54	4.54	NUM
easat-2718	296	56	%	%	NOUN
easat-2718	296	57	0.90	0.90	NUM
easat-2718	296	58	%	%	NOUN
easat-2718	296	59	1.62	1.62	NUM
easat-2718	296	60	%	%	NOUN
easat-2718	296	61	4.12	4.12	NUM
easat-2718	296	62	%	%	NOUN
easat-2718	296	63	6	6	NUM
easat-2718	296	64	-	-	SYM
easat-2718	296	65	12	12	NUM
easat-2718	296	66	m	m	NOUN
easat-2718	296	67	4.88	4.88	NUM
easat-2718	296	68	%	%	NOUN
easat-2718	296	69	1.88	1.88	NUM
easat-2718	296	70	%	%	NOUN
easat-2718	296	71	5.04	5.04	NUM
easat-2718	296	72	%	%	NOUN
easat-2718	296	73	1.73	1.73	NUM
easat-2718	296	74	%	%	NOUN
easat-2718	296	75	2.46	2.46	NUM
easat-2718	296	76	%	%	NOUN
easat-2718	296	77	4.61	4.61	NUM
easat-2718	296	78	%	%	NOUN
easat-2718	296	79	1	1	NUM
easat-2718	296	80	-	-	NUM
easat-2718	296	81	5y	5y	NUM
easat-2718	296	82	6.40	6.40	NUM
easat-2718	296	83	%	%	NOUN
easat-2718	296	84	3.40	3.40	NUM
easat-2718	296	85	%	%	NOUN
easat-2718	296	86	5.96	5.96	NUM
easat-2718	296	87	%	%	NOUN
easat-2718	296	88	3.84	3.84	NUM
easat-2718	296	89	%	%	NOUN
easat-2718	296	90	4.63	4.63	NUM
easat-2718	296	91	%	%	NOUN
easat-2718	296	92	5.47	5.47	NUM
easat-2718	296	93	%	%	NOUN
easat-2718	296	94	>	>	X
easat-2718	296	95	5y	5y	NUM
easat-2718	296	96	8.30	8.30	NUM
easat-2718	296	97	%	%	NOUN
easat-2718	296	98	5.30	5.30	NUM
easat-2718	296	99	%	%	NOUN
easat-2718	296	100	7.02	7.02	NUM
easat-2718	296	101	%	%	NOUN
easat-2718	296	102	6.58	6.58	NUM
easat-2718	296	103	%	%	NOUN
easat-2718	296	104	7.46	7.46	NUM
easat-2718	296	105	%	%	NOUN
easat-2718	296	106	6.44	6.44	NUM
easat-2718	296	107	%	%	NOUN
easat-2718	296	108	from	from	ADP
easat-2718	296	109	table	table	NOUN
easat-2718	296	110	6	6	NUM
easat-2718	296	111	,	,	PUNCT
easat-2718	296	112	the	the	DET
easat-2718	296	113	total	total	ADJ
easat-2718	296	114	impact	impact	NOUN
easat-2718	296	115	of	of	ADP
easat-2718	296	116	eve	eve	NOUN
easat-2718	296	117	is	be	AUX
easat-2718	296	118	decreasing	decrease	VERB
easat-2718	296	119	266,49	266,49	NUM
easat-2718	296	120	million	million	NUM
easat-2718	296	121	vnd	vnd	PROPN
easat-2718	296	122	in	in	ADP
easat-2718	296	123	scenario	scenario	NOUN
easat-2718	296	124	2	2	NUM
easat-2718	296	125	.	.	PUNCT
easat-2718	296	126	table	table	NOUN
easat-2718	296	127	6	6	NUM
easat-2718	296	128	.	.	PUNCT
easat-2718	296	129	irrbb	irrbb	PROPN
easat-2718	296	130	stress	stress	NOUN
easat-2718	296	131	test	test	NOUN
easat-2718	296	132	for	for	ADP
easat-2718	296	133	∆eve	∆eve	PROPN
easat-2718	296	134	.	.	PUNCT
easat-2718	297	1	eve	eve	PROPN
easat-2718	297	2	∆eve	∆eve	PROPN
easat-2718	297	3	basic	basic	ADJ
easat-2718	297	4	scenario	scenario	NOUN
easat-2718	297	5	-2,791,185	-2,791,185	PUNCT
easat-2718	297	6	scenario	scenario	NOUN
easat-2718	297	7	1	1	NUM
easat-2718	297	8	-3,007,517	-3,007,517	SYM
easat-2718	297	9	-216,332	-216,332	PROPN
easat-2718	297	10	scenario	scenario	NOUN
easat-2718	297	11	2	2	NUM
easat-2718	297	12	-2,524,694	-2,524,694	SYM
easat-2718	297	13	266,491	266,491	NUM
easat-2718	297	14	scenario	scenario	NOUN
easat-2718	297	15	3	3	NUM
easat-2718	297	16	-2,597,552	-2,597,552	SYM
easat-2718	297	17	193,633	193,633	NUM
easat-2718	297	18	scenario	scenario	NOUN
easat-2718	297	19	4	4	NUM
easat-2718	297	20	-2,992,974	-2,992,974	SYM
easat-2718	297	21	-201,789	-201,789	PUNCT
easat-2718	297	22	scenario	scenario	NOUN
easat-2718	297	23	5	5	NUM
easat-2718	297	24	-3,146,408	-3,146,408	SYM
easat-2718	297	25	-355,223	-355,223	PROPN
easat-2718	297	26	scenario	scenario	NOUN
easat-2718	297	27	6	6	NUM
easat-2718	297	28	-2,476,905	-2,476,905	NUM
easat-2718	297	29	314,280	314,280	NUM
easat-2718	297	30	according	accord	VERB
easat-2718	297	31	to	to	ADP
easat-2718	297	32	circular	circular	ADJ
easat-2718	297	33	no.13/2018	no.13/2018	NOUN
easat-2718	297	34	/	/	SYM
easat-2718	297	35	tt	tt	PROPN
easat-2718	297	36	-	-	PUNCT
easat-2718	297	37	nhnn	nhnn	ADJ
easat-2718	297	38	,	,	PUNCT
easat-2718	297	39	commercial	commercial	ADJ
easat-2718	297	40	bank	bank	PROPN
easat-2718	297	41	z	z	PROPN
easat-2718	297	42	must	must	AUX
easat-2718	297	43	calculate	calculate	VERB
easat-2718	297	44	and	and	CCONJ
easat-2718	297	45	maintain	maintain	VERB
easat-2718	297	46	capital	capital	NOUN
easat-2718	297	47	adequacy	adequacy	NOUN
easat-2718	297	48	for	for	ADP
easat-2718	297	49	all	all	DET
easat-2718	297	50	material	material	ADJ
easat-2718	297	51	risks	risk	NOUN
easat-2718	297	52	,	,	PUNCT
easat-2718	297	53	including	include	VERB
easat-2718	297	54	irrrbb	irrrbb	PROPN
easat-2718	297	55	,	,	PUNCT
easat-2718	297	56	and	and	CCONJ
easat-2718	297	57	the	the	DET
easat-2718	297	58	methodology	methodology	NOUN
easat-2718	297	59	to	to	PART
easat-2718	297	60	determine	determine	VERB
easat-2718	297	61	capital	capital	NOUN
easat-2718	297	62	for	for	ADP
easat-2718	297	63	irrbb	irrbb	NOUN
easat-2718	297	64	would	would	AUX
easat-2718	297	65	be	be	AUX
easat-2718	297	66	based	base	VERB
easat-2718	297	67	on	on	ADP
easat-2718	297	68	the	the	DET
easat-2718	297	69	selection	selection	NOUN
easat-2718	297	70	of	of	ADP
easat-2718	297	71	the	the	DET
easat-2718	297	72	bank	bank	NOUN
easat-2718	297	73	.	.	PUNCT
easat-2718	298	1	bank	bank	PROPN
easat-2718	298	2	z	z	PROPN
easat-2718	298	3	evaluates	evaluate	VERB
easat-2718	298	4	the	the	DET
easat-2718	298	5	level	level	NOUN
easat-2718	298	6	of	of	ADP
easat-2718	298	7	capital	capital	NOUN
easat-2718	298	8	that	that	PRON
easat-2718	298	9	should	should	AUX
easat-2718	298	10	be	be	AUX
easat-2718	298	11	held	hold	VERB
easat-2718	298	12	for	for	ADP
easat-2718	298	13	irrbb	irrbb	NOUN
easat-2718	298	14	every	every	DET
easat-2718	298	15	six	six	NUM
easat-2718	298	16	months	month	NOUN
easat-2718	298	17	,	,	PUNCT
easat-2718	298	18	combined	combine	VERB
easat-2718	298	19	with	with	ADP
easat-2718	298	20	capital	capital	NOUN
easat-2718	298	21	for	for	ADP
easat-2718	298	22	other	other	ADJ
easat-2718	298	23	material	material	NOUN
easat-2718	298	24	risks	risk	NOUN
easat-2718	298	25	,	,	PUNCT
easat-2718	298	26	such	such	ADJ
easat-2718	298	27	as	as	ADP
easat-2718	298	28	credit	credit	NOUN
easat-2718	298	29	risk	risk	NOUN
easat-2718	298	30	,	,	PUNCT
easat-2718	298	31	market	market	NOUN
easat-2718	298	32	risk	risk	NOUN
easat-2718	298	33	,	,	PUNCT
easat-2718	298	34	operational	operational	ADJ
easat-2718	298	35	risk	risk	NOUN
easat-2718	298	36	,	,	PUNCT
easat-2718	298	37	and	and	CCONJ
easat-2718	298	38	concentration	concentration	NOUN
easat-2718	298	39	risk	risk	NOUN
easat-2718	298	40	,	,	PUNCT
easat-2718	298	41	and	and	CCONJ
easat-2718	298	42	then	then	ADV
easat-2718	298	43	would	would	AUX
easat-2718	298	44	build	build	VERB
easat-2718	298	45	the	the	DET
easat-2718	298	46	capital	capital	NOUN
easat-2718	298	47	plan	plan	NOUN
easat-2718	298	48	and	and	CCONJ
easat-2718	298	49	capital	capital	NOUN
easat-2718	298	50	management	management	NOUN
easat-2718	298	51	for	for	ADP
easat-2718	298	52	bank	bank	PROPN
easat-2718	298	53	z.	z.	PROPN
easat-2718	298	54	for	for	ADP
easat-2718	298	55	bank	bank	PROPN
easat-2718	298	56	z	z	PROPN
easat-2718	298	57	,	,	PUNCT
easat-2718	298	58	the	the	DET
easat-2718	298	59	capital	capital	NOUN
easat-2718	298	60	needed	need	VERB
easat-2718	298	61	for	for	ADP
easat-2718	298	62	irrrbb	irrrbb	PROPN
easat-2718	298	63	is	be	AUX
easat-2718	298	64	the	the	DET
easat-2718	298	65	higher	high	ADJ
easat-2718	298	66	loss	loss	NOUN
easat-2718	298	67	between	between	ADP
easat-2718	298	68	∆𝑁𝐼𝐼	∆𝑁𝐼𝐼	PROPN
easat-2718	298	69	and	and	CCONJ
easat-2718	298	70	∆eve	∆eve	PROPN
easat-2718	298	71	after	after	ADP
easat-2718	298	72	stress	stress	NOUN
easat-2718	298	73	testing	testing	NOUN
easat-2718	298	74	.	.	PUNCT
easat-2718	299	1	as	as	ADP
easat-2718	299	2	a	a	DET
easat-2718	299	3	result	result	NOUN
easat-2718	299	4	,	,	PUNCT
easat-2718	299	5	the	the	DET
easat-2718	299	6	capital	capital	NOUN
easat-2718	299	7	requirement	requirement	NOUN
easat-2718	299	8	for	for	ADP
easat-2718	299	9	irrbb	irrbb	NOUN
easat-2718	299	10	is	be	AUX
easat-2718	299	11	266,491	266,491	NUM
easat-2718	299	12	million	million	NUM
easat-2718	299	13	vnd	vnd	NOUN
easat-2718	299	14	.	.	PUNCT
easat-2718	300	1	differing	differ	VERB
easat-2718	300	2	from	from	ADP
easat-2718	300	3	the	the	DET
easat-2718	300	4	interest	interest	NOUN
easat-2718	300	5	rate	rate	NOUN
easat-2718	300	6	stress	stress	NOUN
easat-2718	300	7	test	test	NOUN
easat-2718	300	8	of	of	ADP
easat-2718	300	9	fiori	fiori	NOUN
easat-2718	300	10	and	and	CCONJ
easat-2718	300	11	iannotti	iannotti	PROPN
easat-2718	300	12	(	(	PUNCT
easat-2718	300	13	2006	2006	NUM
easat-2718	300	14	)	)	PUNCT
easat-2718	300	15	,	,	PUNCT
easat-2718	300	16	esposito	esposito	PROPN
easat-2718	300	17	et	et	PROPN
easat-2718	300	18	al	al	PROPN
easat-2718	300	19	.	.	PROPN
easat-2718	301	1	(	(	PUNCT
easat-2718	301	2	2013	2013	NUM
easat-2718	301	3	)	)	PUNCT
easat-2718	301	4	,	,	PUNCT
easat-2718	301	5	curcio	curcio	PROPN
easat-2718	301	6	et	et	PROPN
easat-2718	301	7	al	al	PROPN
easat-2718	301	8	.	.	PROPN
easat-2718	302	1	(	(	PUNCT
easat-2718	302	2	2022	2022	NUM
easat-2718	302	3	)	)	PUNCT
easat-2718	302	4	,	,	PUNCT
easat-2718	302	5	and	and	CCONJ
easat-2718	302	6	platte	platte	NOUN
easat-2718	302	7	(	(	PUNCT
easat-2718	302	8	2023	2023	NUM
easat-2718	302	9	)	)	PUNCT
easat-2718	302	10	,	,	PUNCT
easat-2718	302	11	this	this	DET
easat-2718	302	12	study	study	NOUN
easat-2718	302	13	paid	pay	VERB
easat-2718	302	14	more	more	ADJ
easat-2718	302	15	attention	attention	NOUN
easat-2718	302	16	to	to	ADP
easat-2718	302	17	the	the	DET
easat-2718	302	18	irrbb	irrbb	NOUN
easat-2718	302	19	stress	stress	NOUN
easat-2718	302	20	test	test	NOUN
easat-2718	302	21	,	,	PUNCT
easat-2718	302	22	which	which	PRON
easat-2718	302	23	is	be	AUX
easat-2718	302	24	a	a	DET
easat-2718	302	25	stress	stress	NOUN
easat-2718	302	26	test	test	NOUN
easat-2718	302	27	for	for	ADP
easat-2718	302	28	interest	interest	NOUN
easat-2718	302	29	rates	rate	NOUN
easat-2718	302	30	in	in	ADP
easat-2718	302	31	banking	banking	NOUN
easat-2718	302	32	books	book	NOUN
easat-2718	302	33	only	only	ADV
easat-2718	302	34	.	.	PUNCT
easat-2718	303	1	the	the	DET
easat-2718	303	2	irrbb	irrbb	NOUN
easat-2718	303	3	stress	stress	NOUN
easat-2718	303	4	test	test	NOUN
easat-2718	303	5	is	be	AUX
easat-2718	303	6	the	the	DET
easat-2718	303	7	model	model	NOUN
easat-2718	303	8	that	that	SCONJ
easat-2718	303	9	commercial	commercial	ADJ
easat-2718	303	10	banks	bank	NOUN
easat-2718	303	11	should	should	AUX
easat-2718	303	12	apply	apply	VERB
easat-2718	303	13	rather	rather	ADV
easat-2718	303	14	than	than	ADP
easat-2718	303	15	the	the	DET
easat-2718	303	16	interest	interest	NOUN
easat-2718	303	17	rate	rate	NOUN
easat-2718	303	18	stress	stress	NOUN
easat-2718	303	19	test	test	NOUN
easat-2718	303	20	.	.	PUNCT
easat-2718	304	1	this	this	DET
easat-2718	304	2	study	study	NOUN
easat-2718	304	3	aligns	align	VERB
easat-2718	304	4	with	with	ADP
easat-2718	304	5	clauben	clauben	NOUN
easat-2718	304	6	and	and	CCONJ
easat-2718	304	7	platte	platte	NOUN
easat-2718	304	8	(	(	PUNCT
easat-2718	304	9	2023	2023	NUM
easat-2718	304	10	)	)	PUNCT
easat-2718	304	11	when	when	SCONJ
easat-2718	304	12	measuring	measure	VERB
easat-2718	304	13	irrbb	irrbb	NOUN
easat-2718	304	14	by	by	ADP
easat-2718	304	15	the	the	DET
easat-2718	304	16	change	change	NOUN
easat-2718	304	17	of	of	ADP
easat-2718	304	18	eve	eve	NOUN
easat-2718	304	19	and	and	CCONJ
easat-2718	304	20	niii	niii	NOUN
easat-2718	304	21	.	.	PUNCT
easat-2718	305	1	however	however	ADV
easat-2718	305	2	,	,	PUNCT
easat-2718	305	3	the	the	DET
easat-2718	305	4	target	target	NOUN
easat-2718	305	5	of	of	ADP
easat-2718	305	6	this	this	DET
easat-2718	305	7	study	study	NOUN
easat-2718	305	8	is	be	AUX
easat-2718	305	9	to	to	PART
easat-2718	305	10	develop	develop	VERB
easat-2718	305	11	a	a	DET
easat-2718	305	12	model	model	NOUN
easat-2718	305	13	to	to	PART
easat-2718	305	14	calculate	calculate	VERB
easat-2718	305	15	the	the	DET
easat-2718	305	16	economic	economic	ADJ
easat-2718	305	17	capital	capital	NOUN
easat-2718	305	18	for	for	ADP
easat-2718	305	19	irrbb	irrbb	NOUN
easat-2718	305	20	,	,	PUNCT
easat-2718	305	21	not	not	PART
easat-2718	305	22	only	only	ADV
easat-2718	305	23	to	to	PART
easat-2718	305	24	find	find	VERB
easat-2718	305	25	the	the	DET
easat-2718	305	26	robust	robust	ADJ
easat-2718	305	27	risk	risk	NOUN
easat-2718	305	28	measure	measure	NOUN
easat-2718	305	29	of	of	ADP
easat-2718	305	30	irrbb	irrbb	NOUN
easat-2718	305	31	like	like	ADP
easat-2718	305	32	clauben	clauben	NOUN
easat-2718	305	33	and	and	CCONJ
easat-2718	305	34	platte	platte	PROPN
easat-2718	305	35	(	(	PUNCT
easat-2718	305	36	2023	2023	NUM
easat-2718	305	37	)	)	PUNCT
easat-2718	305	38	.	.	PUNCT
easat-2718	306	1	5	5	X
easat-2718	306	2	.	.	X
easat-2718	306	3	conclusion	conclusion	NOUN
easat-2718	306	4	and	and	CCONJ
easat-2718	306	5	recommendation	recommendation	VERB
easat-2718	306	6	the	the	DET
easat-2718	306	7	research	research	NOUN
easat-2718	306	8	demonstrates	demonstrate	VERB
easat-2718	306	9	that	that	SCONJ
easat-2718	306	10	the	the	DET
easat-2718	306	11	level	level	NOUN
easat-2718	306	12	of	of	ADP
easat-2718	306	13	irrbb	irrbb	PROPN
easat-2718	306	14	management	management	NOUN
easat-2718	306	15	among	among	ADP
easat-2718	306	16	commercial	commercial	ADJ
easat-2718	306	17	banks	bank	NOUN
easat-2718	306	18	in	in	ADP
easat-2718	306	19	vietnam	vietnam	PROPN
easat-2718	306	20	is	be	AUX
easat-2718	306	21	generally	generally	ADV
easat-2718	306	22	relatively	relatively	ADV
easat-2718	306	23	complete	complete	ADJ
easat-2718	306	24	or	or	CCONJ
easat-2718	306	25	inadequate	inadequate	ADJ
easat-2718	306	26	,	,	PUNCT
easat-2718	306	27	with	with	ADP
easat-2718	306	28	the	the	DET
easat-2718	306	29	highest	high	ADJ
easat-2718	306	30	levels	level	NOUN
easat-2718	306	31	observed	observe	VERB
easat-2718	306	32	in	in	ADP
easat-2718	306	33	international	international	ADJ
easat-2718	306	34	commercial	commercial	ADJ
easat-2718	306	35	banks	bank	NOUN
easat-2718	306	36	and	and	CCONJ
easat-2718	306	37	those	those	PRON
easat-2718	306	38	implementing	implement	VERB
easat-2718	306	39	basel	basel	PROPN
easat-2718	306	40	ii	ii	PROPN
easat-2718	306	41	.	.	PUNCT
easat-2718	307	1	most	most	ADJ
easat-2718	307	2	commercial	commercial	ADJ
easat-2718	307	3	banks	bank	NOUN
easat-2718	307	4	in	in	ADP
easat-2718	307	5	vietnam	vietnam	PROPN
easat-2718	307	6	have	have	AUX
easat-2718	307	7	not	not	PART
easat-2718	307	8	effectively	effectively	ADV
easat-2718	307	9	and	and	CCONJ
easat-2718	307	10	comprehensively	comprehensively	ADV
easat-2718	307	11	implemented	implement	VERB
easat-2718	307	12	irrbb	irrbb	PROPN
easat-2718	307	13	management	management	NOUN
easat-2718	307	14	.	.	PUNCT
easat-2718	308	1	furthermore	furthermore	ADV
easat-2718	308	2	,	,	PUNCT
easat-2718	308	3	the	the	DET
easat-2718	308	4	study	study	NOUN
easat-2718	308	5	includes	include	VERB
easat-2718	308	6	a	a	DET
easat-2718	308	7	simulation	simulation	NOUN
easat-2718	308	8	of	of	ADP
easat-2718	308	9	the	the	DET
easat-2718	308	10	entire	entire	ADJ
easat-2718	308	11	irrbb	irrbb	NOUN
easat-2718	308	12	management	management	NOUN
easat-2718	308	13	process	process	NOUN
easat-2718	308	14	at	at	ADP
easat-2718	308	15	a	a	DET
easat-2718	308	16	specific	specific	ADJ
easat-2718	308	17	commercial	commercial	ADJ
easat-2718	308	18	bank	bank	NOUN
easat-2718	308	19	,	,	PUNCT
easat-2718	308	20	detailing	detail	VERB
easat-2718	308	21	each	each	DET
easat-2718	308	22	step	step	NOUN
easat-2718	308	23	involved	involve	VERB
easat-2718	308	24	in	in	ADP
easat-2718	308	25	irrbb	irrbb	PROPN
easat-2718	308	26	management	management	NOUN
easat-2718	308	27	.	.	PUNCT
easat-2718	309	1	this	this	DET
easat-2718	309	2	simulation	simulation	NOUN
easat-2718	309	3	is	be	AUX
easat-2718	309	4	applied	apply	VERB
easat-2718	309	5	to	to	ADP
easat-2718	309	6	a	a	DET
easat-2718	309	7	vietnamese	vietnamese	ADJ
easat-2718	309	8	commercial	commercial	ADJ
easat-2718	309	9	bank	bank	PROPN
easat-2718	309	10	implementing	implement	VERB
easat-2718	309	11	basel	basel	PROPN
easat-2718	309	12	ii	ii	PROPN
easat-2718	309	13	,	,	PUNCT
easat-2718	309	14	utilizing	utilize	VERB
easat-2718	309	15	basel	basel	PROPN
easat-2718	309	16	ii	ii	PROPN
easat-2718	309	17	interest	interest	NOUN
easat-2718	309	18	rate	rate	NOUN
easat-2718	309	19	scenarios	scenario	NOUN
easat-2718	309	20	to	to	PART
easat-2718	309	21	calculate	calculate	VERB
easat-2718	309	22	the	the	DET
easat-2718	309	23	economic	economic	ADJ
easat-2718	309	24	capital	capital	NOUN
easat-2718	309	25	requirement	requirement	NOUN
easat-2718	309	26	for	for	ADP
easat-2718	309	27	irrbb	irrbb	PROPN
easat-2718	309	28	.	.	PUNCT
easat-2718	310	1	this	this	DET
easat-2718	310	2	simulation	simulation	NOUN
easat-2718	310	3	can	can	AUX
easat-2718	310	4	support	support	VERB
easat-2718	310	5	vietnamses	vietnamse	NOUN
easat-2718	310	6	commercial	commercial	ADJ
easat-2718	310	7	bank	bank	NOUN
easat-2718	310	8	,	,	PUNCT
easat-2718	310	9	especially	especially	ADV
easat-2718	310	10	banks	bank	NOUN
easat-2718	310	11	that	that	PRON
easat-2718	310	12	have	have	AUX
easat-2718	310	13	not	not	PART
easat-2718	310	14	yet	yet	ADV
easat-2718	310	15	effectively	effectively	ADV
easat-2718	310	16	implemented	implement	VERB
easat-2718	310	17	irrbb	irrbb	NOUN
easat-2718	310	18	management	management	NOUN
easat-2718	310	19	i	i	PRON
easat-2718	310	20	m	m	AUX
easat-2718	310	21	applying	apply	VERB
easat-2718	310	22	the	the	DET
easat-2718	310	23	irrbb	irrbb	NOUN
easat-2718	310	24	modes	mode	NOUN
easat-2718	310	25	and	and	CCONJ
easat-2718	310	26	simulation	simulation	NOUN
easat-2718	310	27	so	so	SCONJ
easat-2718	310	28	they	they	PRON
easat-2718	310	29	can	can	AUX
easat-2718	310	30	save	save	VERB
easat-2718	310	31	resources	resource	NOUN
easat-2718	310	32	and	and	CCONJ
easat-2718	310	33	reduce	reduce	VERB
easat-2718	310	34	costs	cost	NOUN
easat-2718	310	35	in	in	ADP
easat-2718	310	36	their	their	PRON
easat-2718	310	37	irrbb	irrbb	NOUN
easat-2718	310	38	management	management	NOUN
easat-2718	310	39	.	.	PUNCT
easat-2718	311	1	3375	3375	NUM
easat-2718	311	2	edelweiss	edelweiss	PROPN
easat-2718	311	3	applied	apply	VERB
easat-2718	311	4	science	science	NOUN
easat-2718	311	5	and	and	CCONJ
easat-2718	311	6	technology	technology	NOUN
easat-2718	311	7	issn	issn	PROPN
easat-2718	311	8	:	:	PUNCT
easat-2718	311	9	2576	2576	NUM
easat-2718	311	10	-	-	SYM
easat-2718	311	11	8484	8484	NUM
easat-2718	311	12	vol	vol	NOUN
easat-2718	311	13	.	.	PROPN
easat-2718	311	14	8	8	NUM
easat-2718	311	15	,	,	PUNCT
easat-2718	311	16	no	no	INTJ
easat-2718	311	17	.	.	NOUN
easat-2718	312	1	6	6	NUM
easat-2718	312	2	:	:	PUNCT
easat-2718	312	3	3361	3361	NUM
easat-2718	312	4	-	-	SYM
easat-2718	312	5	3380	3380	NUM
easat-2718	312	6	,	,	PUNCT
easat-2718	312	7	2024	2024	NUM
easat-2718	312	8	doi	doi	NOUN
easat-2718	312	9	:	:	PUNCT
easat-2718	312	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	312	11	©	©	PROPN
easat-2718	312	12	2024	2024	NUM
easat-2718	312	13	by	by	ADP
easat-2718	312	14	the	the	DET
easat-2718	312	15	authors	author	NOUN
easat-2718	312	16	;	;	PUNCT
easat-2718	312	17	licensee	licensee	PROPN
easat-2718	312	18	learning	learning	NOUN
easat-2718	312	19	gate	gate	NOUN
easat-2718	312	20	based	base	VERB
easat-2718	312	21	on	on	ADP
easat-2718	312	22	the	the	DET
easat-2718	312	23	current	current	ADJ
easat-2718	312	24	situation	situation	NOUN
easat-2718	312	25	of	of	ADP
easat-2718	312	26	irrbb	irrbb	PROPN
easat-2718	312	27	management	management	NOUN
easat-2718	312	28	at	at	ADP
easat-2718	312	29	the	the	DET
easat-2718	312	30	commercial	commercial	ADJ
easat-2718	312	31	banks	bank	NOUN
easat-2718	312	32	in	in	ADP
easat-2718	312	33	vietnam	vietnam	PROPN
easat-2718	312	34	and	and	CCONJ
easat-2718	312	35	a	a	DET
easat-2718	312	36	simulation	simulation	NOUN
easat-2718	312	37	of	of	ADP
easat-2718	312	38	the	the	DET
easat-2718	312	39	irrbb	irrbb	NOUN
easat-2718	312	40	management	management	NOUN
easat-2718	312	41	at	at	ADP
easat-2718	312	42	a	a	DET
easat-2718	312	43	commercial	commercial	ADJ
easat-2718	312	44	bank	bank	NOUN
easat-2718	312	45	,	,	PUNCT
easat-2718	312	46	the	the	DET
easat-2718	312	47	paper	paper	NOUN
easat-2718	312	48	has	have	AUX
easat-2718	312	49	proposed	propose	VERB
easat-2718	312	50	several	several	ADJ
easat-2718	312	51	recommendations	recommendation	NOUN
easat-2718	312	52	to	to	ADP
easat-2718	312	53	the	the	DET
easat-2718	312	54	sbv	sbv	NOUN
easat-2718	312	55	and	and	CCONJ
easat-2718	312	56	commercial	commercial	ADJ
easat-2718	312	57	banks	bank	NOUN
easat-2718	312	58	to	to	PART
easat-2718	312	59	effectively	effectively	ADV
easat-2718	312	60	implement	implement	VERB
easat-2718	312	61	the	the	DET
easat-2718	312	62	irrbb	irrbb	NOUN
easat-2718	312	63	management	management	NOUN
easat-2718	312	64	at	at	ADP
easat-2718	312	65	the	the	DET
easat-2718	312	66	commercial	commercial	ADJ
easat-2718	312	67	banks	bank	NOUN
easat-2718	312	68	in	in	ADP
easat-2718	312	69	vietnam	vietnam	PROPN
easat-2718	312	70	.	.	PUNCT
easat-2718	313	1	recommendations	recommendation	NOUN
easat-2718	313	2	to	to	ADP
easat-2718	313	3	the	the	DET
easat-2718	313	4	state	state	NOUN
easat-2718	313	5	bank	bank	PROPN
easat-2718	313	6	of	of	ADP
easat-2718	313	7	vietnam	vietnam	PROPN
easat-2718	313	8	is	be	AUX
easat-2718	313	9	to	to	PART
easat-2718	313	10	continue	continue	VERB
easat-2718	313	11	to	to	PART
easat-2718	313	12	improve	improve	VERB
easat-2718	313	13	the	the	DET
easat-2718	313	14	legal	legal	ADJ
easat-2718	313	15	corridor	corridor	NOUN
easat-2718	313	16	to	to	PART
easat-2718	313	17	create	create	VERB
easat-2718	313	18	favorable	favorable	ADJ
easat-2718	313	19	conditions	condition	NOUN
easat-2718	313	20	for	for	ADP
easat-2718	313	21	the	the	DET
easat-2718	313	22	irrbb	irrbb	PROPN
easat-2718	313	23	management	management	NOUN
easat-2718	313	24	and	and	CCONJ
easat-2718	313	25	to	to	PART
easat-2718	313	26	contemplate	contemplate	VERB
easat-2718	313	27	standardizing	standardize	VERB
easat-2718	313	28	developing	develop	VERB
easat-2718	313	29	and	and	CCONJ
easat-2718	313	30	establishing	establish	VERB
easat-2718	313	31	scenarios	scenario	NOUN
easat-2718	313	32	to	to	PART
easat-2718	313	33	assess	assess	VERB
easat-2718	313	34	irrbb	irrbb	NOUN
easat-2718	313	35	.	.	PUNCT
easat-2718	314	1	the	the	DET
easat-2718	314	2	recommendations	recommendation	NOUN
easat-2718	314	3	to	to	ADP
easat-2718	314	4	the	the	DET
easat-2718	314	5	commercial	commercial	ADJ
easat-2718	314	6	banks	bank	NOUN
easat-2718	314	7	are	be	AUX
easat-2718	314	8	to	to	PART
easat-2718	314	9	change	change	VERB
easat-2718	314	10	the	the	DET
easat-2718	314	11	awareness	awareness	NOUN
easat-2718	314	12	of	of	ADP
easat-2718	314	13	the	the	DET
easat-2718	314	14	board	board	NOUN
easat-2718	314	15	of	of	ADP
easat-2718	314	16	directors	director	NOUN
easat-2718	314	17	for	for	ADP
easat-2718	314	18	the	the	DET
easat-2718	314	19	employees	employee	NOUN
easat-2718	314	20	about	about	ADP
easat-2718	314	21	the	the	DET
easat-2718	314	22	irrbb	irrbb	NOUN
easat-2718	314	23	management	management	NOUN
easat-2718	314	24	;	;	PUNCT
easat-2718	314	25	to	to	PART
easat-2718	314	26	set	set	VERB
easat-2718	314	27	up	up	ADP
easat-2718	314	28	a	a	DET
easat-2718	314	29	risk	risk	NOUN
easat-2718	314	30	management	management	NOUN
easat-2718	314	31	system	system	NOUN
easat-2718	314	32	aligned	align	VERB
easat-2718	314	33	with	with	ADP
easat-2718	314	34	international	international	ADJ
easat-2718	314	35	standards	standard	NOUN
easat-2718	314	36	with	with	ADP
easat-2718	314	37	a	a	DET
easat-2718	314	38	model	model	NOUN
easat-2718	314	39	of	of	ADP
easat-2718	314	40	3	3	NUM
easat-2718	314	41	protection	protection	NOUN
easat-2718	314	42	lines	line	NOUN
easat-2718	314	43	;	;	PUNCT
easat-2718	314	44	to	to	PART
easat-2718	314	45	improve	improve	VERB
easat-2718	314	46	and	and	CCONJ
easat-2718	314	47	update	update	VERB
easat-2718	314	48	their	their	PRON
easat-2718	314	49	knowledge	knowledge	NOUN
easat-2718	314	50	of	of	ADP
easat-2718	314	51	irrbb	irrbb	PROPN
easat-2718	314	52	management	management	NOUN
easat-2718	314	53	for	for	ADP
easat-2718	314	54	the	the	DET
easat-2718	314	55	leaders	leader	NOUN
easat-2718	314	56	and	and	CCONJ
easat-2718	314	57	staff	staff	NOUN
easat-2718	314	58	of	of	ADP
easat-2718	314	59	relevant	relevant	ADJ
easat-2718	314	60	professional	professional	ADJ
easat-2718	314	61	departments	department	NOUN
easat-2718	314	62	by	by	ADP
easat-2718	314	63	regularly	regularly	ADV
easat-2718	314	64	organizing	organize	VERB
easat-2718	314	65	short	short	ADJ
easat-2718	314	66	-	-	PUNCT
easat-2718	314	67	term	term	NOUN
easat-2718	314	68	training	training	NOUN
easat-2718	314	69	courses	course	NOUN
easat-2718	314	70	on	on	ADP
easat-2718	314	71	the	the	DET
easat-2718	314	72	irrbb	irrbb	NOUN
easat-2718	314	73	.	.	PUNCT
easat-2718	315	1	we	we	PRON
easat-2718	315	2	recommend	recommend	VERB
easat-2718	315	3	that	that	SCONJ
easat-2718	315	4	future	future	ADJ
easat-2718	315	5	studies	study	NOUN
easat-2718	315	6	develop	develop	VERB
easat-2718	315	7	more	more	ADV
easat-2718	315	8	complex	complex	ADJ
easat-2718	315	9	interest	interest	NOUN
easat-2718	315	10	rate	rate	NOUN
easat-2718	315	11	scenarios	scenario	NOUN
easat-2718	315	12	when	when	SCONJ
easat-2718	315	13	conducting	conduct	VERB
easat-2718	315	14	irrbb	irrbb	NOUN
easat-2718	315	15	stress	stress	NOUN
easat-2718	315	16	tests	test	NOUN
easat-2718	315	17	,	,	PUNCT
easat-2718	315	18	rather	rather	ADV
easat-2718	315	19	than	than	ADP
easat-2718	315	20	six	six	NUM
easat-2718	315	21	interest	interest	NOUN
easat-2718	315	22	rate	rate	NOUN
easat-2718	315	23	scenarios	scenario	NOUN
easat-2718	315	24	outlined	outline	VERB
easat-2718	315	25	in	in	ADP
easat-2718	315	26	basel	basel	PROPN
easat-2718	315	27	ii	ii	PROPN
easat-2718	315	28	.	.	PUNCT
easat-2718	316	1	additionally	additionally	ADV
easat-2718	316	2	,	,	PUNCT
easat-2718	316	3	by	by	ADP
easat-2718	316	4	applying	apply	VERB
easat-2718	316	5	the	the	DET
easat-2718	316	6	proportionality	proportionality	NOUN
easat-2718	316	7	principle	principle	NOUN
easat-2718	316	8	of	of	ADP
easat-2718	316	9	the	the	DET
easat-2718	316	10	bank	bank	NOUN
easat-2718	316	11	for	for	ADP
easat-2718	316	12	international	international	ADJ
easat-2718	316	13	settlements	settlement	NOUN
easat-2718	316	14	(	(	PUNCT
easat-2718	316	15	bis	bis	ADJ
easat-2718	316	16	,	,	PUNCT
easat-2718	316	17	2022	2022	NUM
easat-2718	316	18	)	)	PUNCT
easat-2718	316	19	,	,	PUNCT
easat-2718	316	20	future	future	ADJ
easat-2718	316	21	research	research	NOUN
easat-2718	316	22	could	could	AUX
easat-2718	316	23	create	create	VERB
easat-2718	316	24	models	model	NOUN
easat-2718	316	25	and	and	CCONJ
easat-2718	316	26	simulations	simulation	NOUN
easat-2718	316	27	for	for	ADP
easat-2718	316	28	irrbb	irrbb	NOUN
easat-2718	316	29	management	management	NOUN
easat-2718	316	30	tailored	tailor	VERB
easat-2718	316	31	to	to	ADP
easat-2718	316	32	the	the	DET
easat-2718	316	33	nature	nature	NOUN
easat-2718	316	34	,	,	PUNCT
easat-2718	316	35	scale	scale	NOUN
easat-2718	316	36	,	,	PUNCT
easat-2718	316	37	size	size	NOUN
easat-2718	316	38	,	,	PUNCT
easat-2718	316	39	and	and	CCONJ
easat-2718	316	40	complexity	complexity	NOUN
easat-2718	316	41	of	of	ADP
easat-2718	316	42	the	the	DET
easat-2718	316	43	activities	activity	NOUN
easat-2718	316	44	of	of	ADP
easat-2718	316	45	commercial	commercial	ADJ
easat-2718	316	46	banks	bank	NOUN
easat-2718	316	47	.	.	PUNCT
easat-2718	317	1	acknowledgement	acknowledgement	NOUN
easat-2718	317	2	:	:	PUNCT
easat-2718	317	3	the	the	DET
easat-2718	317	4	authors	author	NOUN
easat-2718	317	5	gratefully	gratefully	ADV
easat-2718	317	6	acknowledge	acknowledge	VERB
easat-2718	317	7	the	the	DET
easat-2718	317	8	financial	financial	ADJ
easat-2718	317	9	support	support	NOUN
easat-2718	317	10	from	from	ADP
easat-2718	317	11	the	the	DET
easat-2718	317	12	banking	banking	NOUN
easat-2718	317	13	academy	academy	PROPN
easat-2718	317	14	of	of	ADP
easat-2718	317	15	vietnam	vietnam	PROPN
easat-2718	317	16	.	.	PUNCT
easat-2718	318	1	copyright	copyright	NOUN
easat-2718	318	2	:	:	PUNCT
easat-2718	318	3	©	©	PROPN
easat-2718	318	4	2024	2024	NUM
easat-2718	318	5	by	by	ADP
easat-2718	318	6	the	the	DET
easat-2718	318	7	authors	author	NOUN
easat-2718	318	8	.	.	PUNCT
easat-2718	319	1	this	this	DET
easat-2718	319	2	article	article	NOUN
easat-2718	319	3	is	be	AUX
easat-2718	319	4	an	an	DET
easat-2718	319	5	open	open	ADJ
easat-2718	319	6	access	access	NOUN
easat-2718	319	7	article	article	NOUN
easat-2718	319	8	distributed	distribute	VERB
easat-2718	319	9	under	under	ADP
easat-2718	319	10	the	the	DET
easat-2718	319	11	terms	term	NOUN
easat-2718	319	12	and	and	CCONJ
easat-2718	319	13	conditions	condition	NOUN
easat-2718	319	14	of	of	ADP
easat-2718	319	15	the	the	DET
easat-2718	319	16	creative	creative	ADJ
easat-2718	319	17	commons	common	NOUN
easat-2718	319	18	attribution	attribution	NOUN
easat-2718	319	19	(	(	PUNCT
easat-2718	319	20	cc	cc	NOUN
easat-2718	319	21	by	by	ADP
easat-2718	319	22	)	)	PUNCT
easat-2718	319	23	license	license	NOUN
easat-2718	319	24	(	(	PUNCT
easat-2718	319	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2718	319	26	)	)	PUNCT
easat-2718	319	27	.	.	PUNCT
easat-2718	320	1	references	reference	NOUN
easat-2718	320	2	[	[	X
easat-2718	320	3	1	1	NUM
easat-2718	320	4	]	]	PUNCT
easat-2718	320	5	abdymomunov	abdymomunov	PROPN
easat-2718	320	6	,	,	PUNCT
easat-2718	320	7	a.	a.	NOUN
easat-2718	320	8	,	,	PUNCT
easat-2718	320	9	&	&	CCONJ
easat-2718	320	10	gerlach	gerlach	PROPN
easat-2718	320	11	,	,	PUNCT
easat-2718	320	12	j.	j.	PROPN
easat-2718	320	13	(	(	PUNCT
easat-2718	320	14	2014	2014	NUM
easat-2718	320	15	)	)	PUNCT
easat-2718	320	16	.	.	PUNCT
easat-2718	321	1	stress	stress	NOUN
easat-2718	321	2	testing	test	VERB
easat-2718	321	3	interest	interest	NOUN
easat-2718	321	4	rate	rate	NOUN
easat-2718	321	5	risk	risk	NOUN
easat-2718	321	6	exposure	exposure	NOUN
easat-2718	321	7	.	.	PUNCT
easat-2718	322	1	journal	journal	NOUN
easat-2718	322	2	of	of	ADP
easat-2718	322	3	banking	banking	NOUN
easat-2718	322	4	&	&	CCONJ
easat-2718	322	5	finance	finance	PROPN
easat-2718	322	6	,	,	PUNCT
easat-2718	322	7	49	49	NUM
easat-2718	322	8	,	,	PUNCT
easat-2718	322	9	287–301	287–301	NUM
easat-2718	322	10	.	.	PUNCT
easat-2718	323	1	https://doi.org/10.1016/j.jbankfin.2014.08.013	https://doi.org/10.1016/j.jbankfin.2014.08.013	PRON
easat-2718	323	2	[	[	X
easat-2718	323	3	2	2	NUM
easat-2718	323	4	]	]	X
easat-2718	323	5	alessandri	alessandri	ADJ
easat-2718	323	6	,	,	PUNCT
easat-2718	323	7	p.	p.	NOUN
easat-2718	323	8	,	,	PUNCT
easat-2718	323	9	&	&	CCONJ
easat-2718	323	10	drehmann	drehmann	PROPN
easat-2718	323	11	,	,	PUNCT
easat-2718	323	12	m.	m.	NOUN
easat-2718	323	13	(	(	PUNCT
easat-2718	323	14	2010	2010	NUM
easat-2718	323	15	)	)	PUNCT
easat-2718	323	16	.	.	PUNCT
easat-2718	324	1	an	an	DET
easat-2718	324	2	economic	economic	ADJ
easat-2718	324	3	capital	capital	NOUN
easat-2718	324	4	model	model	NOUN
easat-2718	324	5	integrating	integrate	VERB
easat-2718	324	6	credit	credit	NOUN
easat-2718	324	7	and	and	CCONJ
easat-2718	324	8	interest	interest	NOUN
easat-2718	324	9	rate	rate	NOUN
easat-2718	324	10	risk	risk	NOUN
easat-2718	324	11	in	in	ADP
easat-2718	324	12	the	the	DET
easat-2718	324	13	banking	banking	NOUN
easat-2718	324	14	book	book	NOUN
easat-2718	324	15	.	.	PUNCT
easat-2718	324	16	journal	journal	PROPN
easat-2718	324	17	of	of	ADP
easat-2718	324	18	banking	banking	NOUN
easat-2718	324	19	&	&	CCONJ
easat-2718	324	20	finance	finance	PROPN
easat-2718	324	21	,	,	PUNCT
easat-2718	324	22	34(4	34(4	NUM
easat-2718	324	23	)	)	PUNCT
easat-2718	324	24	,	,	PUNCT
easat-2718	324	25	730–742	730–742	NUM
easat-2718	324	26	.	.	PUNCT
easat-2718	325	1	https://doi.org/10.1016/j.jbankfin.2009.06.012	https://doi.org/10.1016/j.jbankfin.2009.06.012	PROPN
easat-2718	325	2	[	[	X
easat-2718	325	3	3	3	NUM
easat-2718	325	4	]	]	X
easat-2718	325	5	basel	basel	PROPN
easat-2718	325	6	committee	committee	PROPN
easat-2718	325	7	on	on	ADP
easat-2718	325	8	banking	banking	NOUN
easat-2718	325	9	supervision	supervision	NOUN
easat-2718	325	10	(	(	PUNCT
easat-2718	325	11	bcbs	bcbs	PROPN
easat-2718	325	12	)	)	PUNCT
easat-2718	325	13	.	.	PUNCT
easat-2718	326	1	(	(	PUNCT
easat-2718	326	2	2004	2004	NUM
easat-2718	326	3	)	)	PUNCT
easat-2718	326	4	.	.	PUNCT
easat-2718	327	1	principles	principle	NOUN
easat-2718	327	2	for	for	ADP
easat-2718	327	3	the	the	DET
easat-2718	327	4	management	management	NOUN
easat-2718	327	5	and	and	CCONJ
easat-2718	327	6	supervision	supervision	NOUN
easat-2718	327	7	of	of	ADP
easat-2718	327	8	interest	interest	NOUN
easat-2718	327	9	rate	rate	NOUN
easat-2718	327	10	risk	risk	NOUN
easat-2718	327	11	.	.	PUNCT
easat-2718	328	1	consultative	consultative	ADJ
easat-2718	328	2	document	document	NOUN
easat-2718	328	3	.	.	PUNCT
easat-2718	329	1	bank	bank	NOUN
easat-2718	329	2	for	for	ADP
easat-2718	329	3	international	international	ADJ
easat-2718	329	4	settlements	settlement	NOUN
easat-2718	329	5	.	.	PUNCT
easat-2718	330	1	bis	bis	PROPN
easat-2718	330	2	.	.	PUNCT
easat-2718	331	1	isbn	isbn	ADJ
easat-2718	331	2	92	92	NUM
easat-2718	331	3	-	-	PUNCT
easat-2718	331	4	9197	9197	NUM
easat-2718	331	5	-	-	PUNCT
easat-2718	331	6	670	670	NUM
easat-2718	331	7	-	-	SYM
easat-2718	331	8	9	9	NUM
easat-2718	331	9	[	[	SYM
easat-2718	331	10	4	4	NUM
easat-2718	331	11	]	]	X
easat-2718	331	12	basel	basel	PROPN
easat-2718	331	13	committee	committee	PROPN
easat-2718	331	14	on	on	ADP
easat-2718	331	15	banking	banking	NOUN
easat-2718	331	16	supervision	supervision	NOUN
easat-2718	331	17	(	(	PUNCT
easat-2718	331	18	bcbs	bcbs	PROPN
easat-2718	331	19	)	)	PUNCT
easat-2718	331	20	.	.	PUNCT
easat-2718	332	1	(	(	PUNCT
easat-2718	332	2	2005	2005	NUM
easat-2718	332	3	)	)	PUNCT
easat-2718	332	4	.	.	PUNCT
easat-2718	333	1	international	international	ADJ
easat-2718	333	2	convergence	convergence	NOUN
easat-2718	333	3	of	of	ADP
easat-2718	333	4	capital	capital	NOUN
easat-2718	333	5	measurement	measurement	NOUN
easat-2718	333	6	and	and	CCONJ
easat-2718	333	7	capital	capital	NOUN
easat-2718	333	8	standards	standard	NOUN
easat-2718	333	9	:	:	PUNCT
easat-2718	333	10	a	a	DET
easat-2718	333	11	revised	revise	VERB
easat-2718	333	12	framework	framework	NOUN
easat-2718	333	13	:	:	PUNCT
easat-2718	333	14	updated	update	VERB
easat-2718	333	15	november	november	PROPN
easat-2718	333	16	2005	2005	NUM
easat-2718	333	17	.	.	PUNCT
easat-2718	334	1	bank	bank	PROPN
easat-2718	334	2	for	for	ADP
easat-2718	334	3	international	international	ADJ
easat-2718	334	4	settlements	settlement	NOUN
easat-2718	334	5	.	.	PUNCT
easat-2718	335	1	bis	bis	PROPN
easat-2718	335	2	.	.	PUNCT
easat-2718	336	1	[	[	X
easat-2718	336	2	5	5	NUM
easat-2718	336	3	]	]	X
easat-2718	336	4	basel	basel	PROPN
easat-2718	336	5	committee	committee	PROPN
easat-2718	336	6	on	on	ADP
easat-2718	336	7	banking	banking	NOUN
easat-2718	336	8	supervision	supervision	NOUN
easat-2718	336	9	.	.	PUNCT
easat-2718	337	1	(	(	PUNCT
easat-2718	337	2	2009	2009	NUM
easat-2718	337	3	)	)	PUNCT
easat-2718	337	4	.	.	PUNCT
easat-2718	338	1	range	range	NOUN
easat-2718	338	2	of	of	ADP
easat-2718	338	3	practices	practice	NOUN
easat-2718	338	4	and	and	CCONJ
easat-2718	338	5	issues	issue	NOUN
easat-2718	338	6	in	in	ADP
easat-2718	338	7	economic	economic	ADJ
easat-2718	338	8	capital	capital	NOUN
easat-2718	338	9	frameworks	framework	NOUN
easat-2718	338	10	.	.	PUNCT
easat-2718	339	1	bank	bank	NOUN
easat-2718	339	2	for	for	ADP
easat-2718	339	3	international	international	ADJ
easat-2718	339	4	settlements	settlement	NOUN
easat-2718	339	5	.	.	PUNCT
easat-2718	340	1	[	[	X
easat-2718	340	2	6	6	NUM
easat-2718	340	3	]	]	X
easat-2718	340	4	basel	basel	PROPN
easat-2718	340	5	committee	committee	PROPN
easat-2718	340	6	on	on	ADP
easat-2718	340	7	banking	banking	NOUN
easat-2718	340	8	supervision	supervision	NOUN
easat-2718	340	9	.	.	PUNCT
easat-2718	341	1	(	(	PUNCT
easat-2718	341	2	2012	2012	NUM
easat-2718	341	3	)	)	PUNCT
easat-2718	341	4	.	.	PUNCT
easat-2718	342	1	core	core	NOUN
easat-2718	342	2	principles	principle	NOUN
easat-2718	342	3	for	for	ADP
easat-2718	342	4	effective	effective	ADJ
easat-2718	342	5	banking	banking	NOUN
easat-2718	342	6	supervision	supervision	NOUN
easat-2718	342	7	.	.	PUNCT
easat-2718	343	1	bank	bank	PROPN
easat-2718	343	2	for	for	ADP
easat-2718	343	3	international	international	ADJ
easat-2718	343	4	settlements	settlement	NOUN
easat-2718	343	5	.	.	PUNCT
easat-2718	344	1	[	[	X
easat-2718	344	2	7	7	X
easat-2718	344	3	]	]	X
easat-2718	344	4	basel	basel	PROPN
easat-2718	344	5	committee	committee	PROPN
easat-2718	344	6	on	on	ADP
easat-2718	344	7	banking	banking	NOUN
easat-2718	344	8	supervision	supervision	NOUN
easat-2718	344	9	.	.	PUNCT
easat-2718	345	1	(	(	PUNCT
easat-2718	345	2	2014	2014	NUM
easat-2718	345	3	)	)	PUNCT
easat-2718	345	4	.	.	PUNCT
easat-2718	346	1	fundamental	fundamental	ADJ
easat-2718	346	2	review	review	NOUN
easat-2718	346	3	of	of	ADP
easat-2718	346	4	the	the	DET
easat-2718	346	5	trading	trading	NOUN
easat-2718	346	6	book	book	NOUN
easat-2718	346	7	:	:	PUNCT
easat-2718	346	8	outstanding	outstanding	ADJ
easat-2718	346	9	issues	issue	NOUN
easat-2718	346	10	.	.	PUNCT
easat-2718	347	1	bank	bank	NOUN
easat-2718	347	2	for	for	ADP
easat-2718	347	3	international	international	ADJ
easat-2718	347	4	settlements	settlement	NOUN
easat-2718	347	5	.	.	PUNCT
easat-2718	348	1	[	[	X
easat-2718	348	2	8	8	NUM
easat-2718	348	3	]	]	X
easat-2718	348	4	basel	basel	PROPN
easat-2718	348	5	committee	committee	PROPN
easat-2718	348	6	on	on	ADP
easat-2718	348	7	banking	banking	NOUN
easat-2718	348	8	supervision	supervision	NOUN
easat-2718	348	9	(	(	PUNCT
easat-2718	348	10	bcbs	bcbs	PROPN
easat-2718	348	11	)	)	PUNCT
easat-2718	348	12	.	.	PUNCT
easat-2718	349	1	(	(	PUNCT
easat-2718	349	2	2016	2016	NUM
easat-2718	349	3	)	)	PUNCT
easat-2718	349	4	.	.	PUNCT
easat-2718	350	1	interest	interest	NOUN
easat-2718	350	2	rate	rate	NOUN
easat-2718	350	3	risk	risk	NOUN
easat-2718	350	4	in	in	ADP
easat-2718	350	5	the	the	DET
easat-2718	350	6	banking	banking	NOUN
easat-2718	350	7	book	book	NOUN
easat-2718	350	8	.	.	PUNCT
easat-2718	351	1	bank	bank	PROPN
easat-2718	351	2	for	for	ADP
easat-2718	351	3	international	international	ADJ
easat-2718	351	4	settlements	settlement	NOUN
easat-2718	351	5	.	.	PUNCT
easat-2718	352	1	[	[	X
easat-2718	352	2	9	9	NUM
easat-2718	352	3	]	]	X
easat-2718	352	4	basel	basel	PROPN
easat-2718	352	5	committee	committee	PROPN
easat-2718	352	6	on	on	ADP
easat-2718	352	7	banking	banking	NOUN
easat-2718	352	8	supervision	supervision	NOUN
easat-2718	352	9	.	.	PUNCT
easat-2718	353	1	(	(	PUNCT
easat-2718	353	2	2022	2022	NUM
easat-2718	353	3	)	)	PUNCT
easat-2718	353	4	.	.	PUNCT
easat-2718	354	1	high	high	ADJ
easat-2718	354	2	-	-	PUNCT
easat-2718	354	3	level	level	NOUN
easat-2718	354	4	considerations	consideration	NOUN
easat-2718	354	5	on	on	ADP
easat-2718	354	6	proportionality	proportionality	NOUN
easat-2718	354	7	.	.	PUNCT
easat-2718	355	1	isbn	isbn	ADJ
easat-2718	355	2	978	978	NUM
easat-2718	355	3	-	-	SYM
easat-2718	355	4	92	92	NUM
easat-2718	355	5	-	-	PUNCT
easat-2718	355	6	9259585	9259585	NUM
easat-2718	355	7	-	-	SYM
easat-2718	355	8	2	2	NUM
easat-2718	355	9	[	[	X
easat-2718	355	10	10	10	NUM
easat-2718	355	11	]	]	SYM
easat-2718	355	12	bloechlinger	bloechlinger	NOUN
easat-2718	355	13	,	,	PUNCT
easat-2718	355	14	a.	a.	NOUN
easat-2718	355	15	(	(	PUNCT
easat-2718	355	16	2021	2021	NUM
easat-2718	355	17	)	)	PUNCT
easat-2718	355	18	.	.	PUNCT
easat-2718	356	1	interest	interest	NOUN
easat-2718	356	2	rate	rate	NOUN
easat-2718	356	3	risk	risk	NOUN
easat-2718	356	4	in	in	ADP
easat-2718	356	5	the	the	DET
easat-2718	356	6	banking	banking	NOUN
easat-2718	356	7	book	book	NOUN
easat-2718	356	8	:	:	PUNCT
easat-2718	356	9	a	a	DET
easat-2718	356	10	closed	close	VERB
easat-2718	356	11	-	-	PUNCT
easat-2718	356	12	form	form	NOUN
easat-2718	356	13	solution	solution	NOUN
easat-2718	356	14	for	for	ADP
easat-2718	356	15	non	non	ADJ
easat-2718	356	16	-	-	ADJ
easat-2718	356	17	maturity	maturity	ADJ
easat-2718	356	18	deposits	deposit	NOUN
easat-2718	356	19	.	.	PUNCT
easat-2718	357	1	journal	journal	NOUN
easat-2718	357	2	of	of	ADP
easat-2718	357	3	banking	banking	NOUN
easat-2718	357	4	&	&	CCONJ
easat-2718	357	5	finance	finance	PROPN
easat-2718	357	6	,	,	PUNCT
easat-2718	357	7	125	125	NUM
easat-2718	357	8	,	,	PUNCT
easat-2718	357	9	106080	106080	NUM
easat-2718	357	10	.	.	PUNCT
easat-2718	358	1	[	[	X
easat-2718	358	2	11	11	NUM
easat-2718	358	3	]	]	SYM
easat-2718	358	4	chaudron	chaudron	NOUN
easat-2718	358	5	,	,	PUNCT
easat-2718	358	6	r.	r.	PROPN
easat-2718	358	7	(	(	PUNCT
easat-2718	358	8	2016	2016	NUM
easat-2718	358	9	)	)	PUNCT
easat-2718	358	10	.	.	PUNCT
easat-2718	359	1	bank	bank	NOUN
easat-2718	359	2	profitability	profitability	NOUN
easat-2718	359	3	and	and	CCONJ
easat-2718	359	4	risk	risk	NOUN
easat-2718	359	5	taking	take	VERB
easat-2718	359	6	in	in	ADP
easat-2718	359	7	a	a	DET
easat-2718	359	8	prolonged	prolonged	ADJ
easat-2718	359	9	environment	environment	NOUN
easat-2718	359	10	of	of	ADP
easat-2718	359	11	low	low	ADJ
easat-2718	359	12	interest	interest	NOUN
easat-2718	359	13	rates	rate	NOUN
easat-2718	359	14	:	:	PUNCT
easat-2718	359	15	a	a	DET
easat-2718	359	16	study	study	NOUN
easat-2718	359	17	of	of	ADP
easat-2718	359	18	interest	interest	NOUN
easat-2718	359	19	rate	rate	NOUN
easat-2718	359	20	risk	risk	NOUN
easat-2718	359	21	in	in	ADP
easat-2718	359	22	the	the	DET
easat-2718	359	23	banking	banking	NOUN
easat-2718	359	24	book	book	NOUN
easat-2718	359	25	of	of	ADP
easat-2718	359	26	dutch	dutch	ADJ
easat-2718	359	27	banks	bank	NOUN
easat-2718	359	28	.	.	PUNCT
easat-2718	360	1	ssrn	ssrn	PROPN
easat-2718	360	2	electronic	electronic	ADJ
easat-2718	360	3	journal	journal	NOUN
easat-2718	360	4	.	.	PUNCT
easat-2718	361	1	https://doi.org/10.2139/ssrn.2864384	https://doi.org/10.2139/ssrn.2864384	X
easat-2718	361	2	[	[	X
easat-2718	361	3	12	12	NUM
easat-2718	361	4	]	]	PUNCT
easat-2718	361	5	claußen	claußen	PROPN
easat-2718	361	6	,	,	PUNCT
easat-2718	361	7	c.	c.	PROPN
easat-2718	361	8	,	,	PUNCT
easat-2718	361	9	&	&	CCONJ
easat-2718	361	10	platte	platte	PROPN
easat-2718	361	11	,	,	PUNCT
easat-2718	361	12	d.	d.	PROPN
easat-2718	361	13	(	(	PUNCT
easat-2718	361	14	2023	2023	NUM
easat-2718	361	15	)	)	PUNCT
easat-2718	361	16	.	.	PUNCT
easat-2718	362	1	evaluating	evaluate	VERB
easat-2718	362	2	the	the	DET
easat-2718	362	3	validity	validity	NOUN
easat-2718	362	4	of	of	ADP
easat-2718	362	5	regulatory	regulatory	ADJ
easat-2718	362	6	interest	interest	NOUN
easat-2718	362	7	rate	rate	NOUN
easat-2718	362	8	risk	risk	NOUN
easat-2718	362	9	measures	measure	NOUN
easat-2718	362	10	–	–	PUNCT
easat-2718	362	11	a	a	DET
easat-2718	362	12	simulation	simulation	NOUN
easat-2718	362	13	approach	approach	NOUN
easat-2718	362	14	.	.	PUNCT
easat-2718	363	1	journal	journal	NOUN
easat-2718	363	2	of	of	ADP
easat-2718	363	3	banking	banking	PROPN
easat-2718	363	4	&	&	CCONJ
easat-2718	363	5	amp	amp	PROPN
easat-2718	363	6	;	;	PUNCT
easat-2718	363	7	finance	finance	NOUN
easat-2718	363	8	,	,	PUNCT
easat-2718	363	9	154	154	NUM
easat-2718	363	10	,	,	PUNCT
easat-2718	363	11	106933.https://doi.org/10.1016/j.jbankfin.2023.106933	106933.https://doi.org/10.1016/j.jbankfin.2023.106933	NUM
easat-2718	364	1	[	[	SYM
easat-2718	364	2	13	13	NUM
easat-2718	364	3	]	]	PUNCT
easat-2718	364	4	curcio	curcio	NOUN
easat-2718	364	5	,	,	PUNCT
easat-2718	364	6	d.	d.	PROPN
easat-2718	364	7	,	,	PUNCT
easat-2718	364	8	gianfrancesco	gianfrancesco	PROPN
easat-2718	364	9	,	,	PUNCT
easat-2718	364	10	i.	i.	PROPN
easat-2718	364	11	,	,	PUNCT
easat-2718	364	12	pansini	pansini	PROPN
easat-2718	364	13	,	,	PUNCT
easat-2718	364	14	a.	a.	NOUN
easat-2718	364	15	,	,	PUNCT
easat-2718	364	16	&	&	CCONJ
easat-2718	364	17	preger	preger	NOUN
easat-2718	364	18	,	,	PUNCT
easat-2718	364	19	a.	a.	NOUN
easat-2718	364	20	(	(	PUNCT
easat-2718	364	21	2022	2022	NUM
easat-2718	364	22	)	)	PUNCT
easat-2718	364	23	.	.	PUNCT
easat-2718	365	1	the	the	DET
easat-2718	365	2	new	new	ADJ
easat-2718	365	3	supervisory	supervisory	ADJ
easat-2718	365	4	outlier	outlier	NOUN
easat-2718	365	5	test	test	NOUN
easat-2718	365	6	(	(	PUNCT
easat-2718	365	7	sot	sot	NOUN
easat-2718	365	8	)	)	PUNCT
easat-2718	365	9	on	on	ADP
easat-2718	365	10	net	net	ADJ
easat-2718	365	11	interest	interest	NOUN
easat-2718	365	12	income	income	NOUN
easat-2718	365	13	(	(	PUNCT
easat-2718	365	14	nii	nii	PROPN
easat-2718	365	15	):	):	PUNCT
easat-2718	365	16	empirical	empirical	ADJ
easat-2718	365	17	evidence	evidence	NOUN
easat-2718	365	18	from	from	ADP
easat-2718	365	19	a	a	DET
easat-2718	365	20	sample	sample	NOUN
easat-2718	365	21	of	of	ADP
easat-2718	365	22	italian	italian	ADJ
easat-2718	365	23	banks	bank	NOUN
easat-2718	365	24	.	.	PUNCT
easat-2718	366	1	risk	risk	NOUN
easat-2718	366	2	management	management	NOUN
easat-2718	366	3	magazine	magazine	NOUN
easat-2718	366	4	,	,	PUNCT
easat-2718	366	5	17(3	17(3	NUM
easat-2718	366	6	)	)	PUNCT
easat-2718	366	7	,	,	PUNCT
easat-2718	366	8	42–52	42–52	NUM
easat-2718	366	9	.	.	PUNCT
easat-2718	367	1	https://doi.org/10.47473/2020rmm0117	https://doi.org/10.47473/2020rmm0117	PROPN
easat-2718	368	1	[	[	X
easat-2718	368	2	14	14	NUM
easat-2718	368	3	]	]	X
easat-2718	368	4	deloitte	deloitte	NOUN
easat-2718	368	5	.	.	PUNCT
easat-2718	369	1	(	(	PUNCT
easat-2718	369	2	2017	2017	NUM
easat-2718	369	3	)	)	PUNCT
easat-2718	369	4	.	.	PUNCT
easat-2718	370	1	interest	interest	NOUN
easat-2718	370	2	rate	rate	NOUN
easat-2718	370	3	risk	risk	NOUN
easat-2718	370	4	in	in	ADP
easat-2718	370	5	the	the	DET
easat-2718	370	6	banking	banking	NOUN
easat-2718	370	7	book	book	NOUN
easat-2718	370	8	:	:	PUNCT
easat-2718	370	9	2017	2017	NUM
easat-2718	370	10	deloitte	deloitte	PROPN
easat-2718	370	11	survey	survey	NOUN
easat-2718	370	12	taking	take	VERB
easat-2718	370	13	a	a	DET
easat-2718	370	14	closer	close	ADJ
easat-2718	370	15	look	look	NOUN
easat-2718	370	16	to	to	ADP
easat-2718	370	17	the	the	DET
easat-2718	370	18	bcbs	bcbs	PROPN
easat-2718	370	19	standards	standard	NOUN
easat-2718	370	20	.	.	PUNCT
easat-2718	371	1	https://www2.deloitte.com/content/dam/deloitte/global/documents/financial-services/gx-fsideloitte-irrbb-survey.pdf	https://www2.deloitte.com/content/dam/deloitte/global/documents/financial-services/gx-fsideloitte-irrbb-survey.pdf	PROPN
easat-2718	372	1	[	[	X
easat-2718	372	2	15	15	NUM
easat-2718	372	3	]	]	X
easat-2718	372	4	demarzo	demarzo	NOUN
easat-2718	372	5	,	,	PUNCT
easat-2718	372	6	p.	p.	NOUN
easat-2718	372	7	,	,	PUNCT
easat-2718	372	8	&	&	CCONJ
easat-2718	372	9	duffie	duffie	PROPN
easat-2718	372	10	,	,	PUNCT
easat-2718	372	11	d.	d.	PROPN
easat-2718	372	12	(	(	PUNCT
easat-2718	372	13	1999	1999	NUM
easat-2718	372	14	)	)	PUNCT
easat-2718	372	15	.	.	PUNCT
easat-2718	373	1	a	a	DET
easat-2718	373	2	liquidity	liquidity	NOUN
easat-2718	373	3	-	-	PUNCT
easat-2718	373	4	based	base	VERB
easat-2718	373	5	model	model	NOUN
easat-2718	373	6	of	of	ADP
easat-2718	373	7	security	security	NOUN
easat-2718	373	8	design	design	NOUN
easat-2718	373	9	.	.	PUNCT
easat-2718	374	1	econometrica	econometrica	PROPN
easat-2718	374	2	,	,	PUNCT
easat-2718	374	3	67(1	67(1	NOUN
easat-2718	374	4	)	)	PUNCT
easat-2718	374	5	,	,	PUNCT
easat-2718	374	6	65–99	65–99	NUM
easat-2718	374	7	.	.	PUNCT
easat-2718	375	1	https://doi.org/10.1111/1468-0262.00004	https://doi.org/10.1111/1468-0262.00004	PROPN
easat-2718	375	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-2718	375	3	https://doi.org/10.1016/j.jbankfin.2014.08.013	https://doi.org/10.1016/j.jbankfin.2014.08.013	PROPN
easat-2718	375	4	https://doi.org/10.1016/j.jbankfin.2009.06.012	https://doi.org/10.1016/j.jbankfin.2009.06.012	PROPN
easat-2718	375	5	https://doi.org/10.2139/ssrn.2864384	https://doi.org/10.2139/ssrn.2864384	X
easat-2718	375	6	https://doi.org/10.1016/j.jbankfin.2023.106933	https://doi.org/10.1016/j.jbankfin.2023.106933	ADP
easat-2718	375	7	https://doi.org/10.47473/2020rmm0117	https://doi.org/10.47473/2020rmm0117	PROPN
easat-2718	375	8	https://doi.org/10.1111/1468-0262.00004	https://doi.org/10.1111/1468-0262.00004	PROPN
easat-2718	375	9	3376	3376	NUM
easat-2718	375	10	edelweiss	edelweiss	PROPN
easat-2718	375	11	applied	apply	VERB
easat-2718	375	12	science	science	NOUN
easat-2718	375	13	and	and	CCONJ
easat-2718	375	14	technology	technology	NOUN
easat-2718	375	15	issn	issn	PROPN
easat-2718	375	16	:	:	PUNCT
easat-2718	375	17	2576	2576	NUM
easat-2718	375	18	-	-	SYM
easat-2718	375	19	8484	8484	NUM
easat-2718	375	20	vol	vol	NOUN
easat-2718	375	21	.	.	PROPN
easat-2718	375	22	8	8	NUM
easat-2718	375	23	,	,	PUNCT
easat-2718	375	24	no	no	INTJ
easat-2718	375	25	.	.	NOUN
easat-2718	376	1	6	6	NUM
easat-2718	376	2	:	:	PUNCT
easat-2718	376	3	3361	3361	NUM
easat-2718	376	4	-	-	SYM
easat-2718	376	5	3380	3380	NUM
easat-2718	376	6	,	,	PUNCT
easat-2718	376	7	2024	2024	NUM
easat-2718	376	8	doi	doi	NOUN
easat-2718	376	9	:	:	PUNCT
easat-2718	376	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	376	11	©	©	PROPN
easat-2718	376	12	2024	2024	NUM
easat-2718	376	13	by	by	ADP
easat-2718	376	14	the	the	DET
easat-2718	376	15	authors	author	NOUN
easat-2718	376	16	;	;	PUNCT
easat-2718	376	17	licensee	licensee	PROPN
easat-2718	376	18	learning	learning	NOUN
easat-2718	376	19	gate	gate	NOUN
easat-2718	377	1	[	[	X
easat-2718	377	2	16	16	NUM
easat-2718	377	3	]	]	PUNCT
easat-2718	377	4	diamond	diamond	NOUN
easat-2718	377	5	,	,	PUNCT
easat-2718	377	6	d.	d.	PROPN
easat-2718	377	7	w.	w.	PROPN
easat-2718	377	8	(	(	PUNCT
easat-2718	377	9	1984	1984	NUM
easat-2718	377	10	)	)	PUNCT
easat-2718	377	11	.	.	PUNCT
easat-2718	378	1	financial	financial	ADJ
easat-2718	378	2	intermediation	intermediation	NOUN
easat-2718	378	3	and	and	CCONJ
easat-2718	378	4	delegated	delegate	VERB
easat-2718	378	5	monitoring	monitoring	NOUN
easat-2718	378	6	.	.	PUNCT
easat-2718	379	1	the	the	DET
easat-2718	379	2	review	review	NOUN
easat-2718	379	3	of	of	ADP
easat-2718	379	4	economic	economic	ADJ
easat-2718	379	5	studies	study	NOUN
easat-2718	379	6	,	,	PUNCT
easat-2718	379	7	51(3	51(3	NUM
easat-2718	379	8	)	)	PUNCT
easat-2718	379	9	,	,	PUNCT
easat-2718	379	10	393–414	393–414	NUM
easat-2718	379	11	.	.	PUNCT
easat-2718	380	1	https://doi.org/10.2307/2297430	https://doi.org/10.2307/2297430	PRON
easat-2718	381	1	[	[	X
easat-2718	381	2	17	17	NUM
easat-2718	381	3	]	]	X
easat-2718	381	4	drager	drager	NOUN
easat-2718	381	5	,	,	PUNCT
easat-2718	381	6	v.	v.	CCONJ
easat-2718	381	7	,	,	PUNCT
easat-2718	381	8	heckmann	heckmann	ADJ
easat-2718	381	9	-	-	PUNCT
easat-2718	381	10	draisbach	draisbach	PROPN
easat-2718	381	11	,	,	PUNCT
easat-2718	381	12	l.	l.	PROPN
easat-2718	381	13	,	,	PUNCT
easat-2718	381	14	&	&	CCONJ
easat-2718	381	15	memmel	memmel	PROPN
easat-2718	381	16	,	,	PUNCT
easat-2718	381	17	c.	c.	PROPN
easat-2718	381	18	(	(	PUNCT
easat-2718	381	19	2020	2020	NUM
easat-2718	381	20	)	)	PUNCT
easat-2718	381	21	.	.	PUNCT
easat-2718	382	1	interest	interest	NOUN
easat-2718	382	2	and	and	CCONJ
easat-2718	382	3	credit	credit	NOUN
easat-2718	382	4	risk	risk	NOUN
easat-2718	382	5	management	management	NOUN
easat-2718	382	6	in	in	ADP
easat-2718	382	7	german	german	ADJ
easat-2718	382	8	banks	bank	NOUN
easat-2718	382	9	.	.	PUNCT
easat-2718	383	1	german	german	ADJ
easat-2718	383	2	economic	economic	ADJ
easat-2718	383	3	review	review	NOUN
easat-2718	383	4	,	,	PUNCT
easat-2718	383	5	0(0	0(0	NUM
easat-2718	383	6	)	)	PUNCT
easat-2718	383	7	.	.	PUNCT
easat-2718	384	1	https://doi.org/10.1515/ger-2019-0114	https://doi.org/10.1515/ger-2019-0114	PROPN
easat-2718	385	1	[	[	X
easat-2718	385	2	18	18	NUM
easat-2718	385	3	]	]	PUNCT
easat-2718	385	4	https://doi.org/10.1111/jacf.12486	https://doi.org/10.1111/jacf.12486	PRON
easat-2718	385	5	[	[	X
easat-2718	385	6	19	19	NUM
easat-2718	385	7	]	]	X
easat-2718	385	8	do	do	VERB
easat-2718	385	9	,	,	PUNCT
easat-2718	385	10	t.h	t.h	PROPN
easat-2718	385	11	.	.	PROPN
easat-2718	385	12	,tran	,tran	PUNCT
easat-2718	385	13	,	,	PUNCT
easat-2718	385	14	t.t.h	t.t.h	NOUN
easat-2718	385	15	.	.	PUNCT
easat-2718	385	16	,	,	PUNCT
easat-2718	386	1	nguyen	nguyen	PROPN
easat-2718	386	2	,	,	PUNCT
easat-2718	386	3	t.d.h	t.d.h	NOUN
easat-2718	386	4	.	.	PUNCT
easat-2718	386	5	,	,	PUNCT
easat-2718	386	6	(	(	PUNCT
easat-2718	386	7	2018	2018	NUM
easat-2718	386	8	)	)	PUNCT
easat-2718	386	9	.	.	PUNCT
easat-2718	387	1	current	current	ADJ
easat-2718	387	2	status	status	NOUN
easat-2718	387	3	of	of	ADP
easat-2718	387	4	interest	interest	NOUN
easat-2718	387	5	rate	rate	NOUN
easat-2718	387	6	risk	risk	NOUN
easat-2718	387	7	management	management	NOUN
easat-2718	387	8	in	in	ADP
easat-2718	387	9	books	book	NOUN
easat-2718	387	10	banks	bank	NOUN
easat-2718	387	11	according	accord	VERB
easat-2718	387	12	to	to	ADP
easat-2718	387	13	basel	basel	PROPN
easat-2718	387	14	2	2	NUM
easat-2718	387	15	and	and	CCONJ
easat-2718	387	16	proposals	proposal	NOUN
easat-2718	387	17	for	for	ADP
easat-2718	387	18	vietnamese	vietnamese	ADJ
easat-2718	387	19	commercial	commercial	ADJ
easat-2718	387	20	banks	bank	NOUN
easat-2718	387	21	.	.	PUNCT
easat-2718	388	1	journal	journal	NOUN
easat-2718	388	2	of	of	ADP
easat-2718	388	3	banking	banking	NOUN
easat-2718	388	4	training	training	NOUN
easat-2718	388	5	science	science	NOUN
easat-2718	388	6	,	,	PUNCT
easat-2718	388	7	vol	vol	NOUN
easat-2718	388	8	(	(	PUNCT
easat-2718	388	9	197	197	NUM
easat-2718	388	10	)	)	PUNCT
easat-2718	388	11	,	,	PUNCT
easat-2718	388	12	23	23	NUM
easat-2718	388	13	-	-	SYM
easat-2718	388	14	29	29	NUM
easat-2718	388	15	[	[	SYM
easat-2718	388	16	20	20	NUM
easat-2718	388	17	]	]	PUNCT
easat-2718	388	18	endri	endri	PROPN
easat-2718	388	19	,	,	PUNCT
easat-2718	388	20	e.	e.	PROPN
easat-2718	388	21	,	,	PUNCT
easat-2718	388	22	marlina	marlina	PROPN
easat-2718	388	23	,	,	PUNCT
easat-2718	388	24	a.	a.	PROPN
easat-2718	388	25	,	,	PUNCT
easat-2718	388	26	&	&	CCONJ
easat-2718	388	27	hurriyaturrohman	hurriyaturrohman	PROPN
easat-2718	388	28	(	(	PUNCT
easat-2718	388	29	2020	2020	NUM
easat-2718	388	30	)	)	PUNCT
easat-2718	388	31	.	.	PUNCT
easat-2718	389	1	impact	impact	NOUN
easat-2718	389	2	of	of	ADP
easat-2718	389	3	internal	internal	ADJ
easat-2718	389	4	and	and	CCONJ
easat-2718	389	5	external	external	ADJ
easat-2718	389	6	factors	factor	NOUN
easat-2718	389	7	on	on	ADP
easat-2718	389	8	the	the	DET
easat-2718	389	9	net	net	ADJ
easat-2718	389	10	interest	interest	NOUN
easat-2718	389	11	margin	margin	NOUN
easat-2718	389	12	of	of	ADP
easat-2718	389	13	banks	bank	NOUN
easat-2718	389	14	in	in	ADP
easat-2718	389	15	indonesia	indonesia	PROPN
easat-2718	389	16	.	.	PUNCT
easat-2718	390	1	banks	bank	NOUN
easat-2718	390	2	and	and	CCONJ
easat-2718	390	3	bank	bank	NOUN
easat-2718	390	4	systems	system	NOUN
easat-2718	390	5	,	,	PUNCT
easat-2718	390	6	15(4	15(4	NUM
easat-2718	390	7	)	)	PUNCT
easat-2718	390	8	,	,	PUNCT
easat-2718	390	9	99	99	NUM
easat-2718	390	10	-	-	SYM
easat-2718	390	11	107	107	NUM
easat-2718	390	12	.	.	PUNCT
easat-2718	391	1	https://doi:10.21511	https://doi:10.21511	PROPN
easat-2718	391	2	/	/	SYM
easat-2718	391	3	bbs.15(4).2020.09	bbs.15(4).2020.09	PROPN
easat-2718	391	4	.	.	PUNCT
easat-2718	392	1	[	[	X
easat-2718	392	2	21	21	NUM
easat-2718	392	3	]	]	SYM
easat-2718	392	4	esposito	esposito	PROPN
easat-2718	392	5	,	,	PUNCT
easat-2718	392	6	l.	l.	PROPN
easat-2718	392	7	,	,	PUNCT
easat-2718	392	8	nobili	nobili	PROPN
easat-2718	392	9	,	,	PUNCT
easat-2718	392	10	a.	a.	NOUN
easat-2718	392	11	,	,	PUNCT
easat-2718	392	12	&	&	CCONJ
easat-2718	392	13	ropele	ropele	PROPN
easat-2718	392	14	,	,	PUNCT
easat-2718	392	15	t.	t.	PROPN
easat-2718	392	16	(	(	PUNCT
easat-2718	392	17	2013	2013	NUM
easat-2718	392	18	)	)	PUNCT
easat-2718	392	19	.	.	PUNCT
easat-2718	393	1	the	the	DET
easat-2718	393	2	management	management	NOUN
easat-2718	393	3	of	of	ADP
easat-2718	393	4	interest	interest	NOUN
easat-2718	393	5	rate	rate	NOUN
easat-2718	393	6	risk	risk	NOUN
easat-2718	393	7	during	during	ADP
easat-2718	393	8	the	the	DET
easat-2718	393	9	crisis	crisis	NOUN
easat-2718	393	10	:	:	PUNCT
easat-2718	393	11	evidence	evidence	NOUN
easat-2718	393	12	from	from	ADP
easat-2718	393	13	italian	italian	ADJ
easat-2718	393	14	banks	bank	NOUN
easat-2718	393	15	.	.	PUNCT
easat-2718	394	1	ssrn	ssrn	PROPN
easat-2718	394	2	electronic	electronic	ADJ
easat-2718	394	3	journal	journal	PROPN
easat-2718	394	4	.	.	PUNCT
easat-2718	395	1	https://doi.org/10.2139/ssrn.2358457	https://doi.org/10.2139/ssrn.2358457	PROPN
easat-2718	396	1	[	[	X
easat-2718	396	2	22	22	NUM
easat-2718	396	3	]	]	X
easat-2718	396	4	european	european	ADJ
easat-2718	396	5	banking	banking	PROPN
easat-2718	396	6	authority	authority	NOUN
easat-2718	396	7	(	(	PUNCT
easat-2718	396	8	eab	eab	NOUN
easat-2718	396	9	)	)	PUNCT
easat-2718	396	10	.	.	PUNCT
easat-2718	397	1	(	(	PUNCT
easat-2718	397	2	2015	2015	NUM
easat-2718	397	3	)	)	PUNCT
easat-2718	397	4	.	.	PUNCT
easat-2718	398	1	guidelines	guideline	NOUN
easat-2718	398	2	on	on	ADP
easat-2718	398	3	the	the	DET
easat-2718	398	4	management	management	NOUN
easat-2718	398	5	of	of	ADP
easat-2718	398	6	interest	interest	NOUN
easat-2718	398	7	rate	rate	NOUN
easat-2718	398	8	risk	risk	NOUN
easat-2718	398	9	arising	arise	VERB
easat-2718	398	10	from	from	ADP
easat-2718	398	11	non	non	ADJ
easat-2718	398	12	-	-	ADJ
easat-2718	398	13	trading	trading	ADJ
easat-2718	398	14	activities	activity	NOUN
easat-2718	398	15	https://extranet.eba.europa.eu/sites/default/documents/files/documents/10180/1084098/ebfa5dd5-f897404b-aa7d-95da2f0157f0/eba-gl-201508%20gl%20on%20the%20management%20of%20interest%20rate%20risk%20.pdf?retry=1	https://extranet.eba.europa.eu/sites/default/documents/files/documents/10180/1084098/ebfa5dd5-f897404b-aa7d-95da2f0157f0/eba-gl-201508%20gl%20on%20the%20management%20of%20interest%20rate%20risk%20.pdf?retry=1	NOUN
easat-2718	398	16	[	[	X
easat-2718	398	17	23	23	NUM
easat-2718	398	18	]	]	X
easat-2718	398	19	european	european	ADJ
easat-2718	398	20	banking	banking	NOUN
easat-2718	398	21	authority	authority	NOUN
easat-2718	398	22	.	.	PUNCT
easat-2718	399	1	(	(	PUNCT
easat-2718	399	2	2018	2018	NUM
easat-2718	399	3	)	)	PUNCT
easat-2718	399	4	.	.	PUNCT
easat-2718	400	1	final	final	ADJ
easat-2718	400	2	report	report	NOUN
easat-2718	400	3	:	:	PUNCT
easat-2718	400	4	guidelines	guideline	NOUN
easat-2718	400	5	on	on	ADP
easat-2718	400	6	the	the	DET
easat-2718	400	7	management	management	NOUN
easat-2718	400	8	of	of	ADP
easat-2718	400	9	interest	interest	NOUN
easat-2718	400	10	rate	rate	NOUN
easat-2718	400	11	risk	risk	NOUN
easat-2718	400	12	arising	arise	VERB
easat-2718	400	13	from	from	ADP
easat-2718	400	14	non	non	ADJ
easat-2718	400	15	-	-	ADJ
easat-2718	400	16	trading	trading	ADJ
easat-2718	400	17	book	book	NOUN
easat-2718	400	18	activities	activity	NOUN
easat-2718	400	19	.	.	PUNCT
easat-2718	401	1	https://www.eba.europa.eu/sites/default/files/document_library//guidelines%20on%20the%20management	https://www.eba.europa.eu/sites/default/files/document_library//guidelines%20on%20the%20management	ADP
easat-2718	401	2	%	%	INTJ
easat-2718	401	3	20of%20interest%20rate%20risk%20arising%20from%20non	20of%20interest%20rate%20risk%20arising%20from%20non	NUM
easat-2718	401	4	-	-	NOUN
easat-2718	401	5	trading%20activities%20%28eba	trading%20activities%20%28eba	NOUN
easat-2718	401	6	-	-	PUNCT
easat-2718	401	7	gl-201802%29.pdf	gl-201802%29.pdf	NOUN
easat-2718	401	8	[	[	NOUN
easat-2718	401	9	24	24	NUM
easat-2718	401	10	]	]	X
easat-2718	401	11	european	european	PROPN
easat-2718	401	12	central	central	PROPN
easat-2718	401	13	bank	bank	PROPN
easat-2718	401	14	,	,	PUNCT
easat-2718	401	15	banking	banking	NOUN
easat-2718	401	16	supervision	supervision	NOUN
easat-2718	401	17	(	(	PUNCT
easat-2718	401	18	2020	2020	NUM
easat-2718	401	19	)	)	PUNCT
easat-2718	401	20	.	.	PUNCT
easat-2718	402	1	ecb	ecb	PROPN
easat-2718	402	2	report	report	NOUN
easat-2718	402	3	on	on	ADP
easat-2718	402	4	banks	bank	NOUN
easat-2718	402	5	’	'	PUNCT
easat-2718	402	6	icaap	icaap	NOUN
easat-2718	402	7	practices	practice	NOUN
easat-2718	402	8	.	.	PUNCT
easat-2718	403	1	https://www.bankingsupervision.europa.eu/ecb/pub/pdf/ssm.reportbanksicaappractices202007~fc93bf05d9.lv.pdf	https://www.bankingsupervision.europa.eu/ecb/pub/pdf/ssm.reportbanksicaappractices202007~fc93bf05d9.lv.pdf	PROPN
easat-2718	404	1	[	[	X
easat-2718	404	2	25	25	NUM
easat-2718	404	3	]	]	X
easat-2718	404	4	fessler	fessler	NOUN
easat-2718	404	5	,	,	PUNCT
easat-2718	404	6	y.	y.	PROPN
easat-2718	404	7	(	(	PUNCT
easat-2718	404	8	2016	2016	NUM
easat-2718	404	9	)	)	PUNCT
easat-2718	404	10	.	.	PUNCT
easat-2718	405	1	a	a	DET
easat-2718	405	2	summary	summary	NOUN
easat-2718	405	3	of	of	ADP
easat-2718	405	4	bcbs	bcbs	PROPN
easat-2718	405	5	interest	interest	NOUN
easat-2718	405	6	rate	rate	NOUN
easat-2718	405	7	risk	risk	NOUN
easat-2718	405	8	in	in	ADP
easat-2718	405	9	the	the	DET
easat-2718	405	10	banking	banking	NOUN
easat-2718	405	11	book	book	NOUN
easat-2718	405	12	directive	directive	NOUN
easat-2718	405	13	whitepaper	whitepaper	NOUN
easat-2718	405	14	.	.	PUNCT
easat-2718	406	1	https://www.moodysanalytics.com/-/media/whitepaper/2016/summary-of-bcbs-interest-rate-risk-in-thebanking-book-directive.pdf	https://www.moodysanalytics.com/-/media/whitepaper/2016/summary-of-bcbs-interest-rate-risk-in-thebanking-book-directive.pdf	PROPN
easat-2718	407	1	[	[	X
easat-2718	407	2	26	26	NUM
easat-2718	407	3	]	]	X
easat-2718	407	4	fiori	fiori	X
easat-2718	407	5	,	,	PUNCT
easat-2718	407	6	r.	r.	PROPN
easat-2718	407	7	,	,	PUNCT
easat-2718	407	8	&	&	CCONJ
easat-2718	407	9	iannotti	iannotti	PROPN
easat-2718	407	10	,	,	PUNCT
easat-2718	407	11	simonetta	simonetta	NOUN
easat-2718	407	12	.	.	PUNCT
easat-2718	408	1	(	(	PUNCT
easat-2718	408	2	2006	2006	NUM
easat-2718	408	3	)	)	PUNCT
easat-2718	408	4	.	.	PUNCT
easat-2718	409	1	scenario	scenario	NOUN
easat-2718	409	2	based	base	VERB
easat-2718	409	3	principal	principal	ADJ
easat-2718	409	4	component	component	NOUN
easat-2718	409	5	value	value	NOUN
easat-2718	409	6	-	-	PUNCT
easat-2718	409	7	at	at	ADP
easat-2718	409	8	-	-	PUNCT
easat-2718	409	9	risk	risk	NOUN
easat-2718	409	10	:	:	PUNCT
easat-2718	409	11	an	an	DET
easat-2718	409	12	application	application	NOUN
easat-2718	409	13	to	to	ADP
easat-2718	409	14	italian	italian	ADJ
easat-2718	409	15	banks	bank	NOUN
easat-2718	409	16	’	’	PART
easat-2718	409	17	interest	interest	NOUN
easat-2718	409	18	rate	rate	NOUN
easat-2718	409	19	risk	risk	NOUN
easat-2718	409	20	exposure	exposure	NOUN
easat-2718	409	21	.	.	PUNCT
easat-2718	410	1	ssrn	ssrn	PROPN
easat-2718	410	2	electronic	electronic	ADJ
easat-2718	410	3	journal	journal	PROPN
easat-2718	410	4	.	.	PUNCT
easat-2718	411	1	https://doi.org/10.2139/ssrn.935028	https://doi.org/10.2139/ssrn.935028	PROPN
easat-2718	411	2	[	[	X
easat-2718	411	3	27	27	NUM
easat-2718	411	4	]	]	SYM
easat-2718	411	5	froot	froot	NOUN
easat-2718	411	6	,	,	PUNCT
easat-2718	411	7	k.	k.	PROPN
easat-2718	411	8	a.	a.	PROPN
easat-2718	411	9	,	,	PUNCT
easat-2718	411	10	scharfstein	scharfstein	PROPN
easat-2718	411	11	,	,	PUNCT
easat-2718	411	12	d.	d.	PROPN
easat-2718	411	13	s.	s.	PROPN
easat-2718	411	14	,	,	PUNCT
easat-2718	411	15	&	&	CCONJ
easat-2718	411	16	stein	stein	PROPN
easat-2718	411	17	,	,	PUNCT
easat-2718	411	18	j.	j.	PROPN
easat-2718	411	19	c.	c.	PROPN
easat-2718	411	20	(	(	PUNCT
easat-2718	411	21	1993	1993	NUM
easat-2718	411	22	)	)	PUNCT
easat-2718	411	23	.	.	PUNCT
easat-2718	412	1	risk	risk	NOUN
easat-2718	412	2	management	management	NOUN
easat-2718	412	3	:	:	PUNCT
easat-2718	412	4	coordinating	coordinate	VERB
easat-2718	412	5	corporate	corporate	ADJ
easat-2718	412	6	investment	investment	NOUN
easat-2718	412	7	and	and	CCONJ
easat-2718	412	8	financing	financing	NOUN
easat-2718	412	9	policies	policy	NOUN
easat-2718	412	10	.	.	PUNCT
easat-2718	413	1	the	the	DET
easat-2718	413	2	journal	journal	PROPN
easat-2718	413	3	of	of	ADP
easat-2718	413	4	finance	finance	NOUN
easat-2718	413	5	,	,	PUNCT
easat-2718	413	6	48(5	48(5	NUM
easat-2718	413	7	)	)	PUNCT
easat-2718	413	8	,	,	PUNCT
easat-2718	413	9	1629	1629	NUM
easat-2718	413	10	.	.	PUNCT
easat-2718	414	1	https://doi.org/10.2307/2329062	https://doi.org/10.2307/2329062	X
easat-2718	415	1	[	[	X
easat-2718	415	2	28	28	NUM
easat-2718	415	3	]	]	X
easat-2718	415	4	hull	hull	NOUN
easat-2718	415	5	,	,	PUNCT
easat-2718	415	6	j.	j.	PROPN
easat-2718	415	7	c.	c.	PROPN
easat-2718	415	8	(	(	PUNCT
easat-2718	415	9	2003	2003	NUM
easat-2718	415	10	)	)	PUNCT
easat-2718	415	11	.	.	PUNCT
easat-2718	416	1	options	option	NOUN
easat-2718	416	2	,	,	PUNCT
easat-2718	416	3	futures	future	NOUN
easat-2718	416	4	,	,	PUNCT
easat-2718	416	5	and	and	CCONJ
easat-2718	416	6	other	other	ADJ
easat-2718	416	7	derivatives	derivative	NOUN
easat-2718	416	8	.	.	PUNCT
easat-2718	417	1	pearson	pearson	PROPN
easat-2718	417	2	,	,	PUNCT
easat-2718	417	3	prentice	prentice	NOUN
easat-2718	417	4	hall	hall	NOUN
easat-2718	417	5	.	.	PUNCT
easat-2718	418	1	[	[	X
easat-2718	418	2	29	29	NUM
easat-2718	418	3	]	]	X
easat-2718	418	4	kuritzkes	kuritzke	NOUN
easat-2718	418	5	,	,	PUNCT
easat-2718	418	6	a.	a.	NOUN
easat-2718	418	7	,	,	PUNCT
easat-2718	418	8	&	&	CCONJ
easat-2718	418	9	schuermann	schuermann	PROPN
easat-2718	418	10	,	,	PUNCT
easat-2718	418	11	t.	t.	PROPN
easat-2718	418	12	(	(	PUNCT
easat-2718	418	13	2006	2006	NUM
easat-2718	418	14	)	)	PUNCT
easat-2718	418	15	.	.	PUNCT
easat-2718	419	1	what	what	PRON
easat-2718	419	2	we	we	PRON
easat-2718	419	3	know	know	VERB
easat-2718	419	4	,	,	PUNCT
easat-2718	419	5	do	do	AUX
easat-2718	419	6	n’t	not	PART
easat-2718	419	7	know	know	VERB
easat-2718	419	8	and	and	CCONJ
easat-2718	419	9	ca	can	AUX
easat-2718	419	10	n’t	not	PART
easat-2718	419	11	know	know	VERB
easat-2718	419	12	about	about	ADP
easat-2718	419	13	bank	bank	NOUN
easat-2718	419	14	risks	risk	NOUN
easat-2718	419	15	:	:	PUNCT
easat-2718	419	16	a	a	DET
easat-2718	419	17	view	view	NOUN
easat-2718	419	18	from	from	ADP
easat-2718	419	19	the	the	DET
easat-2718	419	20	trenches	trench	NOUN
easat-2718	419	21	.	.	PUNCT
easat-2718	420	1	ssrn	ssrn	PROPN
easat-2718	420	2	electronic	electronic	ADJ
easat-2718	420	3	journal	journal	NOUN
easat-2718	420	4	.	.	PUNCT
easat-2718	421	1	https://doi.org/10.2139/ssrn.887730	https://doi.org/10.2139/ssrn.887730	ADJ
easat-2718	422	1	[	[	X
easat-2718	422	2	30	30	NUM
easat-2718	422	3	]	]	X
easat-2718	422	4	leland	leland	PROPN
easat-2718	422	5	,	,	PUNCT
easat-2718	422	6	h.	h.	PROPN
easat-2718	422	7	e.	e.	PROPN
easat-2718	422	8	(	(	PUNCT
easat-2718	422	9	1998	1998	NUM
easat-2718	422	10	)	)	PUNCT
easat-2718	422	11	.	.	PUNCT
easat-2718	423	1	agency	agency	NOUN
easat-2718	423	2	costs	cost	NOUN
easat-2718	423	3	,	,	PUNCT
easat-2718	423	4	risk	risk	NOUN
easat-2718	423	5	management	management	NOUN
easat-2718	423	6	,	,	PUNCT
easat-2718	423	7	and	and	CCONJ
easat-2718	423	8	capital	capital	NOUN
easat-2718	423	9	structure	structure	NOUN
easat-2718	423	10	.	.	PUNCT
easat-2718	424	1	the	the	DET
easat-2718	424	2	journal	journal	PROPN
easat-2718	424	3	of	of	ADP
easat-2718	424	4	finance	finance	NOUN
easat-2718	424	5	,	,	PUNCT
easat-2718	424	6	53(4	53(4	NOUN
easat-2718	424	7	)	)	PUNCT
easat-2718	424	8	,	,	PUNCT
easat-2718	424	9	1213	1213	NUM
easat-2718	424	10	–	–	PUNCT
easat-2718	424	11	1243	1243	NUM
easat-2718	424	12	.	.	PUNCT
easat-2718	425	1	https://doi.org/10.1111/0022-1082.00051	https://doi.org/10.1111/0022-1082.00051	PROPN
easat-2718	426	1	[	[	X
easat-2718	426	2	31	31	NUM
easat-2718	426	3	]	]	PUNCT
easat-2718	426	4	lileikiene	lileikiene	NOUN
easat-2718	426	5	,	,	PUNCT
easat-2718	426	6	a.	a.	PROPN
easat-2718	426	7	,	,	PUNCT
easat-2718	426	8	&	&	CCONJ
easat-2718	426	9	likus	likus	PROPN
easat-2718	426	10	,	,	PUNCT
easat-2718	426	11	a.	a.	NOUN
easat-2718	426	12	(	(	PUNCT
easat-2718	426	13	2011	2011	NUM
easat-2718	426	14	)	)	PUNCT
easat-2718	426	15	.	.	PUNCT
easat-2718	427	1	analysis	analysis	NOUN
easat-2718	427	2	of	of	ADP
easat-2718	427	3	change	change	NOUN
easat-2718	427	4	effect	effect	NOUN
easat-2718	427	5	in	in	ADP
easat-2718	427	6	the	the	DET
easat-2718	427	7	market	market	NOUN
easat-2718	427	8	interest	interest	NOUN
easat-2718	427	9	rate	rate	NOUN
easat-2718	427	10	on	on	ADP
easat-2718	427	11	net	net	ADJ
easat-2718	427	12	interest	interest	NOUN
easat-2718	427	13	income	income	NOUN
easat-2718	427	14	of	of	ADP
easat-2718	427	15	commercial	commercial	ADJ
easat-2718	427	16	banks	bank	NOUN
easat-2718	427	17	.	.	PUNCT
easat-2718	428	1	engineering	engineer	VERB
easat-2718	428	2	economics	economic	NOUN
easat-2718	428	3	,	,	PUNCT
easat-2718	428	4	22(3	22(3	NUM
easat-2718	428	5	)	)	PUNCT
easat-2718	428	6	.	.	PUNCT
easat-2718	429	1	https://doi.org/10.5755/j01.ee.22.3.514	https://doi.org/10.5755/j01.ee.22.3.514	NOUN
easat-2718	429	2	[	[	X
easat-2718	429	3	32	32	NUM
easat-2718	429	4	]	]	X
easat-2718	429	5	lubinska	lubinska	PROPN
easat-2718	429	6	,	,	PUNCT
easat-2718	429	7	b.	b.	PROPN
easat-2718	429	8	(	(	PUNCT
easat-2718	429	9	2021	2021	NUM
easat-2718	429	10	)	)	PUNCT
easat-2718	429	11	.	.	PUNCT
easat-2718	430	1	interest	interest	NOUN
easat-2718	430	2	rate	rate	NOUN
easat-2718	430	3	risk	risk	NOUN
easat-2718	430	4	in	in	ADP
easat-2718	430	5	the	the	DET
easat-2718	430	6	banking	banking	NOUN
easat-2718	430	7	book	book	NOUN
easat-2718	430	8	:	:	PUNCT
easat-2718	430	9	a	a	DET
easat-2718	430	10	best	good	ADJ
easat-2718	430	11	practice	practice	NOUN
easat-2718	430	12	guide	guide	NOUN
easat-2718	430	13	to	to	ADP
easat-2718	430	14	management	management	NOUN
easat-2718	430	15	and	and	CCONJ
easat-2718	430	16	hedging	hedging	NOUN
easat-2718	430	17	.	.	PUNCT
easat-2718	431	1	john	john	PROPN
easat-2718	431	2	wiley	wiley	PROPN
easat-2718	431	3	&	&	CCONJ
easat-2718	431	4	sons	son	NOUN
easat-2718	431	5	.	.	PUNCT
easat-2718	432	1	https://doi.org/10.1002/9781119755043	https://doi.org/10.1002/9781119755043	X
easat-2718	433	1	[	[	X
easat-2718	433	2	33	33	NUM
easat-2718	433	3	]	]	SYM
easat-2718	433	4	memmel	memmel	NOUN
easat-2718	433	5	,	,	PUNCT
easat-2718	433	6	c.	c.	PROPN
easat-2718	433	7	(	(	PUNCT
easat-2718	433	8	2008	2008	NUM
easat-2718	433	9	)	)	PUNCT
easat-2718	433	10	.	.	PUNCT
easat-2718	434	1	which	which	DET
easat-2718	434	2	interest	interest	NOUN
easat-2718	434	3	rate	rate	NOUN
easat-2718	434	4	scenario	scenario	NOUN
easat-2718	434	5	is	be	AUX
easat-2718	434	6	the	the	DET
easat-2718	434	7	worst	bad	ADJ
easat-2718	434	8	one	one	NUM
easat-2718	434	9	for	for	ADP
easat-2718	434	10	a	a	DET
easat-2718	434	11	bank	bank	NOUN
easat-2718	434	12	?	?	PUNCT
easat-2718	435	1	evidence	evidence	NOUN
easat-2718	435	2	from	from	ADP
easat-2718	435	3	a	a	DET
easat-2718	435	4	tracking	track	VERB
easat-2718	435	5	bank	bank	NOUN
easat-2718	435	6	approach	approach	NOUN
easat-2718	435	7	for	for	ADP
easat-2718	435	8	german	german	ADJ
easat-2718	435	9	savings	saving	NOUN
easat-2718	435	10	and	and	CCONJ
easat-2718	435	11	cooperative	cooperative	ADJ
easat-2718	435	12	banks	bank	NOUN
easat-2718	435	13	.	.	PUNCT
easat-2718	436	1	ssrn	ssrn	PROPN
easat-2718	436	2	electronic	electronic	ADJ
easat-2718	436	3	journal	journal	PROPN
easat-2718	436	4	.	.	PUNCT
easat-2718	437	1	https://doi.org/10.2139/ssrn.1088326	https://doi.org/10.2139/ssrn.1088326	X
easat-2718	438	1	[	[	X
easat-2718	438	2	34	34	NUM
easat-2718	438	3	]	]	X
easat-2718	438	4	national	national	PROPN
easat-2718	438	5	bank	bank	PROPN
easat-2718	438	6	of	of	ADP
easat-2718	438	7	belgium	belgium	PROPN
easat-2718	438	8	(	(	PUNCT
easat-2718	438	9	nbb	nbb	PROPN
easat-2718	438	10	)	)	PUNCT
easat-2718	438	11	.	.	PUNCT
easat-2718	439	1	(	(	PUNCT
easat-2718	439	2	2015	2015	NUM
easat-2718	439	3	)	)	PUNCT
easat-2718	439	4	.	.	PUNCT
easat-2718	440	1	annual	annual	ADJ
easat-2718	440	2	disclosure	disclosure	NOUN
easat-2718	440	3	regarding	regard	VERB
easat-2718	440	4	the	the	DET
easat-2718	440	5	designation	designation	NOUN
easat-2718	440	6	of	of	ADP
easat-2718	440	7	and	and	CCONJ
easat-2718	440	8	capital	capital	NOUN
easat-2718	440	9	surcharges	surcharge	NOUN
easat-2718	440	10	on	on	ADP
easat-2718	440	11	belgian	belgian	ADJ
easat-2718	440	12	o	o	NOUN
easat-2718	440	13	-	-	NOUN
easat-2718	440	14	siis	siis	ADJ
easat-2718	440	15	(	(	PUNCT
easat-2718	440	16	1	1	NUM
easat-2718	440	17	january	january	PROPN
easat-2718	440	18	2016	2016	NUM
easat-2718	440	19	)	)	PUNCT
easat-2718	440	20	.	.	PUNCT
easat-2718	441	1	https://www.nbb.be/doc/cp/eng/2015/20151218_o-sii.pdf	https://www.nbb.be/doc/cp/eng/2015/20151218_o-sii.pdf	PUNCT
easat-2718	442	1	[	[	X
easat-2718	442	2	35	35	NUM
easat-2718	442	3	]	]	X
easat-2718	442	4	ngalawa	ngalawa	PROPN
easat-2718	442	5	,	,	PUNCT
easat-2718	442	6	j.	j.	PROPN
easat-2718	442	7	,	,	PUNCT
easat-2718	442	8	&	&	CCONJ
easat-2718	442	9	ngare	ngare	PROPN
easat-2718	442	10	,	,	PUNCT
easat-2718	442	11	p.	p.	NOUN
easat-2718	442	12	(	(	PUNCT
easat-2718	442	13	2014	2014	NUM
easat-2718	442	14	)	)	PUNCT
easat-2718	442	15	.	.	PUNCT
easat-2718	443	1	interest	interest	NOUN
easat-2718	443	2	rate	rate	NOUN
easat-2718	443	3	risk	risk	NOUN
easat-2718	443	4	management	management	NOUN
easat-2718	443	5	for	for	ADP
easat-2718	443	6	commercial	commercial	ADJ
easat-2718	443	7	banks	bank	NOUN
easat-2718	443	8	in	in	ADP
easat-2718	443	9	kenya	kenya	PROPN
easat-2718	443	10	.	.	PUNCT
easat-2718	444	1	iosr	iosr	PROPN
easat-2718	444	2	journal	journal	PROPN
easat-2718	444	3	of	of	ADP
easat-2718	444	4	economics	economic	NOUN
easat-2718	444	5	and	and	CCONJ
easat-2718	444	6	finance	finance	NOUN
easat-2718	444	7	,	,	PUNCT
easat-2718	444	8	4(1	4(1	NOUN
easat-2718	444	9	)	)	PUNCT
easat-2718	444	10	,	,	PUNCT
easat-2718	444	11	11–21	11–21	NUM
easat-2718	444	12	.	.	PUNCT
easat-2718	445	1	https://doi.org/10.9790/5933-0411121	https://doi.org/10.9790/5933-0411121	PROPN
easat-2718	446	1	[	[	X
easat-2718	446	2	36	36	NUM
easat-2718	446	3	]	]	X
easat-2718	446	4	nguyen	nguyen	NOUN
easat-2718	446	5	,	,	PUNCT
easat-2718	446	6	c.	c.	PROPN
easat-2718	446	7	v.	v.	PROPN
easat-2718	446	8	,	,	PUNCT
easat-2718	446	9	phan	phan	PROPN
easat-2718	446	10	,	,	PUNCT
easat-2718	446	11	k.	k.	PROPN
easat-2718	446	12	d.	d.	PROPN
easat-2718	446	13	,	,	PUNCT
easat-2718	446	14	&	&	CCONJ
easat-2718	446	15	williams	williams	PROPN
easat-2718	446	16	,	,	PUNCT
easat-2718	446	17	m.	m.	NOUN
easat-2718	446	18	(	(	PUNCT
easat-2718	446	19	2017	2017	NUM
easat-2718	446	20	)	)	PUNCT
easat-2718	446	21	.	.	PUNCT
easat-2718	447	1	the	the	DET
easat-2718	447	2	transmission	transmission	NOUN
easat-2718	447	3	mechanism	mechanism	NOUN
easat-2718	447	4	of	of	ADP
easat-2718	447	5	russian	russian	ADJ
easat-2718	447	6	central	central	ADJ
easat-2718	447	7	banks	bank	NOUN
easat-2718	447	8	countercyclical	countercyclical	ADJ
easat-2718	447	9	monetary	monetary	ADJ
easat-2718	447	10	policy	policy	NOUN
easat-2718	447	11	since	since	SCONJ
easat-2718	447	12	2011	2011	NUM
easat-2718	447	13	:	:	PUNCT
easat-2718	447	14	evidence	evidence	NOUN
easat-2718	447	15	from	from	ADP
easat-2718	447	16	the	the	DET
easat-2718	447	17	interest	interest	NOUN
easat-2718	447	18	rate	rate	NOUN
easat-2718	447	19	pass	pass	NOUN
easat-2718	447	20	-	-	PUNCT
easat-2718	447	21	through	through	NOUN
easat-2718	447	22	.	.	PUNCT
easat-2718	448	1	journal	journal	PROPN
easat-2718	448	2	of	of	ADP
easat-2718	448	3	eastern	eastern	ADJ
easat-2718	448	4	european	european	ADJ
easat-2718	448	5	and	and	CCONJ
easat-2718	448	6	central	central	ADJ
easat-2718	448	7	asian	asian	ADJ
easat-2718	448	8	research	research	NOUN
easat-2718	448	9	,	,	PUNCT
easat-2718	448	10	4(2	4(2	NUM
easat-2718	448	11	)	)	PUNCT
easat-2718	448	12	.	.	PUNCT
easat-2718	449	1	https://doi.org/10.15549/jeecar.v4i2.165	https://doi.org/10.15549/jeecar.v4i2.165	VERB
easat-2718	450	1	[	[	X
easat-2718	450	2	37	37	NUM
easat-2718	450	3	]	]	X
easat-2718	450	4	nguyen	nguyen	NOUN
easat-2718	450	5	,	,	PUNCT
easat-2718	450	6	c.	c.	PROPN
easat-2718	450	7	v.	v.	PROPN
easat-2718	450	8	,	,	PUNCT
easat-2718	450	9	&	&	CCONJ
easat-2718	450	10	kravchuk	kravchuk	PROPN
easat-2718	450	11	,	,	PUNCT
easat-2718	450	12	a.	a.	NOUN
easat-2718	450	13	(	(	PUNCT
easat-2718	450	14	2019	2019	NUM
easat-2718	450	15	)	)	PUNCT
easat-2718	450	16	.	.	PUNCT
easat-2718	451	1	the	the	DET
easat-2718	451	2	ukrainian	ukrainian	ADJ
easat-2718	451	3	interest	interest	NOUN
easat-2718	451	4	rate	rate	NOUN
easat-2718	451	5	pass	pass	NOUN
easat-2718	451	6	-	-	PUNCT
easat-2718	451	7	through	through	NOUN
easat-2718	451	8	in	in	ADP
easat-2718	451	9	the	the	DET
easat-2718	451	10	post-1999	post-1999	ADJ
easat-2718	451	11	era	era	NOUN
easat-2718	451	12	and	and	CCONJ
easat-2718	451	13	the	the	DET
easat-2718	451	14	effectiveness	effectiveness	NOUN
easat-2718	451	15	of	of	ADP
easat-2718	451	16	the	the	DET
easat-2718	451	17	countercyclical	countercyclical	ADJ
easat-2718	451	18	monetary	monetary	ADJ
easat-2718	451	19	policy	policy	NOUN
easat-2718	451	20	.	.	PUNCT
easat-2718	452	1	journal	journal	NOUN
easat-2718	452	2	of	of	ADP
easat-2718	452	3	eastern	eastern	PROPN
easat-2718	452	4	european	european	ADJ
easat-2718	452	5	and	and	CCONJ
easat-2718	452	6	central	central	ADJ
easat-2718	452	7	asian	asian	NOUN
easat-2718	453	1	[	[	X
easat-2718	453	2	38	38	NUM
easat-2718	453	3	]	]	PUNCT
easat-2718	453	4	nguyen	nguyen	NOUN
easat-2718	453	5	,	,	PUNCT
easat-2718	453	6	d.	d.	PROPN
easat-2718	453	7	t.	t.	PROPN
easat-2718	453	8	,	,	PUNCT
easat-2718	453	9	do	do	VERB
easat-2718	453	10	,	,	PUNCT
easat-2718	453	11	h.	h.	PROPN
easat-2718	453	12	t.	t.	PROPN
easat-2718	453	13	,	,	PUNCT
easat-2718	453	14	nguyen	nguyen	NOUN
easat-2718	453	15	,	,	PUNCT
easat-2718	453	16	t.	t.	PROPN
easat-2718	453	17	t.	t.	PROPN
easat-2718	453	18	t.	t.	PROPN
easat-2718	453	19	,	,	PUNCT
easat-2718	453	20	&	&	CCONJ
easat-2718	453	21	nguyen	nguyen	PROPN
easat-2718	453	22	,	,	PUNCT
easat-2718	453	23	n.	n.	PROPN
easat-2718	453	24	b.	b.	PROPN
easat-2718	453	25	(	(	PUNCT
easat-2718	453	26	2021	2021	NUM
easat-2718	453	27	)	)	PUNCT
easat-2718	453	28	.	.	PUNCT
easat-2718	454	1	implementation	implementation	NOUN
easat-2718	454	2	of	of	ADP
easat-2718	454	3	internal	internal	ADJ
easat-2718	454	4	capital	capital	NOUN
easat-2718	454	5	adequacy	adequacy	NOUN
easat-2718	454	6	and	and	CCONJ
easat-2718	454	7	assessment	assessment	NOUN
easat-2718	454	8	process	process	NOUN
easat-2718	454	9	in	in	ADP
easat-2718	454	10	vietnamese	vietnamese	ADJ
easat-2718	454	11	commercial	commercial	ADJ
easat-2718	454	12	banks	bank	NOUN
easat-2718	454	13	.	.	PUNCT
easat-2718	455	1	asian	asian	ADJ
easat-2718	455	2	economic	economic	ADJ
easat-2718	455	3	and	and	CCONJ
easat-2718	455	4	financial	financial	ADJ
easat-2718	455	5	review	review	NOUN
easat-2718	455	6	,	,	PUNCT
easat-2718	455	7	11(11	11(11	NUM
easat-2718	455	8	)	)	PUNCT
easat-2718	455	9	,	,	PUNCT
easat-2718	455	10	873	873	NUM
easat-2718	455	11	-	-	SYM
easat-2718	455	12	893	893	NUM
easat-2718	455	13	.	.	PUNCT
easat-2718	456	1	research	research	NOUN
easat-2718	456	2	(	(	PUNCT
easat-2718	456	3	jeecar	jeecar	NOUN
easat-2718	456	4	)	)	PUNCT
easat-2718	456	5	,	,	PUNCT
easat-2718	456	6	6(2	6(2	NUM
easat-2718	456	7	)	)	PUNCT
easat-2718	456	8	,	,	PUNCT
easat-2718	456	9	191–204	191–204	NUM
easat-2718	456	10	.	.	PUNCT
easat-2718	456	11	https://doi.org/10.15549/jeecar.v6i2.309	https://doi.org/10.15549/jeecar.v6i2.309	PROPN
easat-2718	457	1	[	[	X
easat-2718	457	2	39	39	NUM
easat-2718	457	3	]	]	PUNCT
easat-2718	457	4	ozdemir	ozdemir	PROPN
easat-2718	457	5	,	,	PUNCT
easat-2718	457	6	b.	b.	PROPN
easat-2718	457	7	,	,	PUNCT
easat-2718	457	8	&	&	CCONJ
easat-2718	457	9	gokul	gokul	PROPN
easat-2718	457	10	sudarsana	sudarsana	PROPN
easat-2718	457	11	.	.	PUNCT
easat-2718	458	1	(	(	PUNCT
easat-2718	458	2	2016	2016	NUM
easat-2718	458	3	)	)	PUNCT
easat-2718	458	4	.	.	PUNCT
easat-2718	459	1	managing	manage	VERB
easat-2718	459	2	interest	interest	NOUN
easat-2718	459	3	rate	rate	NOUN
easat-2718	459	4	risk	risk	NOUN
easat-2718	459	5	in	in	ADP
easat-2718	459	6	the	the	DET
easat-2718	459	7	banking	banking	NOUN
easat-2718	459	8	book	book	NOUN
easat-2718	459	9	using	use	VERB
easat-2718	459	10	an	an	DET
easat-2718	459	11	optimisation	optimisation	NOUN
easat-2718	459	12	framework	framework	NOUN
easat-2718	459	13	.	.	PUNCT
easat-2718	460	1	the	the	DET
easat-2718	460	2	journal	journal	NOUN
easat-2718	460	3	of	of	ADP
easat-2718	460	4	risk	risk	NOUN
easat-2718	460	5	management	management	NOUN
easat-2718	460	6	,	,	PUNCT
easat-2718	460	7	9(4	9(4	NUM
easat-2718	460	8	)	)	PUNCT
easat-2718	460	9	,	,	PUNCT
easat-2718	460	10	373–390	373–390	NUM
easat-2718	460	11	.	.	PUNCT
easat-2718	461	1	[	[	X
easat-2718	461	2	40	40	NUM
easat-2718	461	3	]	]	PUNCT
easat-2718	461	4	rose	rise	VERB
easat-2718	461	5	,	,	PUNCT
easat-2718	461	6	p.	p.	NOUN
easat-2718	461	7	s.	s.	PROPN
easat-2718	461	8	,	,	PUNCT
easat-2718	461	9	&	&	CCONJ
easat-2718	461	10	hudgins	hudgins	PROPN
easat-2718	461	11	,	,	PUNCT
easat-2718	461	12	s.	s.	PROPN
easat-2718	461	13	(	(	PUNCT
easat-2718	461	14	2005	2005	NUM
easat-2718	461	15	)	)	PUNCT
easat-2718	461	16	.	.	PUNCT
easat-2718	462	1	commercial	commercial	ADJ
easat-2718	462	2	bank	bank	PROPN
easat-2718	462	3	management	management	NOUN
easat-2718	462	4	.	.	PUNCT
easat-2718	463	1	mcgraw	mcgraw	PROPN
easat-2718	463	2	-	-	PUNCT
easat-2718	463	3	hill	hill	PROPN
easat-2718	463	4	/	/	SYM
easat-2718	463	5	irwin	irwin	PROPN
easat-2718	463	6	;	;	PUNCT
easat-2718	463	7	maidenhead	maidenhead	X
easat-2718	463	8	.	.	PUNCT
easat-2718	464	1	[	[	X
easat-2718	464	2	41	41	NUM
easat-2718	464	3	]	]	AUX
easat-2718	464	4	scandizzo	scandizzo	PROPN
easat-2718	464	5	,	,	PUNCT
easat-2718	464	6	s.	s.	PROPN
easat-2718	464	7	(	(	PUNCT
easat-2718	464	8	2016	2016	NUM
easat-2718	464	9	)	)	PUNCT
easat-2718	464	10	.	.	PUNCT
easat-2718	465	1	interest	interest	NOUN
easat-2718	465	2	rate	rate	NOUN
easat-2718	465	3	risk	risk	NOUN
easat-2718	465	4	on	on	ADP
easat-2718	465	5	the	the	DET
easat-2718	465	6	banking	banking	NOUN
easat-2718	465	7	book	book	NOUN
easat-2718	465	8	.	.	PUNCT
easat-2718	466	1	the	the	DET
easat-2718	466	2	validation	validation	NOUN
easat-2718	466	3	of	of	ADP
easat-2718	466	4	risk	risk	NOUN
easat-2718	466	5	models	model	NOUN
easat-2718	466	6	,	,	PUNCT
easat-2718	466	7	127–135	127–135	NUM
easat-2718	466	8	.	.	PUNCT
easat-2718	467	1	https://doi.org/10.1057/9781137436962_9	https://doi.org/10.1057/9781137436962_9	NUM
easat-2718	468	1	[	[	X
easat-2718	468	2	42	42	NUM
easat-2718	468	3	]	]	PUNCT
easat-2718	468	4	sharma	sharma	PROPN
easat-2718	468	5	,	,	PUNCT
easat-2718	468	6	m.	m.	NOUN
easat-2718	468	7	(	(	PUNCT
easat-2718	468	8	2012	2012	NUM
easat-2718	468	9	)	)	PUNCT
easat-2718	468	10	.	.	PUNCT
easat-2718	469	1	interest	interest	NOUN
easat-2718	469	2	rate	rate	NOUN
easat-2718	469	3	risk	risk	NOUN
easat-2718	469	4	in	in	ADP
easat-2718	469	5	the	the	DET
easat-2718	469	6	banking	banking	NOUN
easat-2718	469	7	book	book	NOUN
easat-2718	469	8	(	(	PUNCT
easat-2718	469	9	irrbb	irrbb	NOUN
easat-2718	469	10	)	)	PUNCT
easat-2718	469	11	levels	level	NOUN
easat-2718	469	12	for	for	ADP
easat-2718	469	13	indian	indian	ADJ
easat-2718	469	14	banks	bank	NOUN
easat-2718	469	15	.	.	PUNCT
easat-2718	470	1	ssrn	ssrn	PROPN
easat-2718	470	2	electronic	electronic	ADJ
easat-2718	470	3	journal	journal	PROPN
easat-2718	470	4	.	.	PUNCT
easat-2718	471	1	https://doi.org/10.2139/ssrn.2061130	https://doi.org/10.2139/ssrn.2061130	PROPN
easat-2718	472	1	[	[	X
easat-2718	472	2	43	43	NUM
easat-2718	472	3	]	]	X
easat-2718	472	4	smith	smith	PROPN
easat-2718	472	5	,	,	PUNCT
easat-2718	472	6	c.	c.	PROPN
easat-2718	472	7	w.	w.	PROPN
easat-2718	472	8	,	,	PUNCT
easat-2718	472	9	&	&	CCONJ
easat-2718	472	10	stulz	stulz	ADJ
easat-2718	472	11	,	,	PUNCT
easat-2718	472	12	r.	r.	PROPN
easat-2718	472	13	m.	m.	PROPN
easat-2718	472	14	(	(	PUNCT
easat-2718	472	15	1985	1985	NUM
easat-2718	472	16	)	)	PUNCT
easat-2718	472	17	.	.	PUNCT
easat-2718	473	1	the	the	DET
easat-2718	473	2	determinants	determinant	NOUN
easat-2718	473	3	of	of	ADP
easat-2718	473	4	firms	firm	NOUN
easat-2718	473	5	’	’	PART
easat-2718	473	6	hedging	hedging	NOUN
easat-2718	473	7	policies	policy	NOUN
easat-2718	473	8	.	.	PUNCT
easat-2718	474	1	the	the	DET
easat-2718	474	2	journal	journal	NOUN
easat-2718	474	3	of	of	ADP
easat-2718	474	4	financial	financial	ADJ
easat-2718	474	5	and	and	CCONJ
easat-2718	474	6	quantitative	quantitative	ADJ
easat-2718	474	7	analysis	analysis	NOUN
easat-2718	474	8	,	,	PUNCT
easat-2718	474	9	20(4	20(4	NOUN
easat-2718	474	10	)	)	PUNCT
easat-2718	474	11	,	,	PUNCT
easat-2718	474	12	391	391	NUM
easat-2718	474	13	.	.	PUNCT
easat-2718	475	1	https://doi.org/10.2307/2330757	https://doi.org/10.2307/2330757	NOUN
easat-2718	475	2	https://doi.org/10.2307/2297430	https://doi.org/10.2307/2297430	PROPN
easat-2718	475	3	https://doi.org/10.1515/ger-2019-0114	https://doi.org/10.1515/ger-2019-0114	PROPN
easat-2718	475	4	https://doi.org/10.1111/jacf.12486	https://doi.org/10.1111/jacf.12486	ADJ
easat-2718	475	5	https://doi.org/10.2139/ssrn.2358457	https://doi.org/10.2139/ssrn.2358457	PROPN
easat-2718	475	6	https://extranet.eba.europa.eu/sites/default/documents/files/documents/10180/1084098/ebfa5dd5-f897-404b-aa7d-95da2f0157f0/eba-gl-2015-08%20gl%20on%20the%20management%20of%20interest%20rate%20risk%20.pdf?retry=1	https://extranet.eba.europa.eu/sites/default/documents/files/documents/10180/1084098/ebfa5dd5-f897-404b-aa7d-95da2f0157f0/eba-gl-2015-08%20gl%20on%20the%20management%20of%20interest%20rate%20risk%20.pdf?retry=1	PROPN
easat-2718	475	7	https://extranet.eba.europa.eu/sites/default/documents/files/documents/10180/1084098/ebfa5dd5-f897-404b-aa7d-95da2f0157f0/eba-gl-2015-08%20gl%20on%20the%20management%20of%20interest%20rate%20risk%20.pdf?retry=1	https://extranet.eba.europa.eu/sites/default/documents/files/documents/10180/1084098/ebfa5dd5-f897-404b-aa7d-95da2f0157f0/eba-gl-2015-08%20gl%20on%20the%20management%20of%20interest%20rate%20risk%20.pdf?retry=1	PROPN
easat-2718	475	8	https://extranet.eba.europa.eu/sites/default/documents/files/documents/10180/1084098/ebfa5dd5-f897-404b-aa7d-95da2f0157f0/eba-gl-2015-08%20gl%20on%20the%20management%20of%20interest%20rate%20risk%20.pdf?retry=1	https://extranet.eba.europa.eu/sites/default/documents/files/documents/10180/1084098/ebfa5dd5-f897-404b-aa7d-95da2f0157f0/eba-gl-2015-08%20gl%20on%20the%20management%20of%20interest%20rate%20risk%20.pdf?retry=1	PROPN
easat-2718	475	9	https://www.eba.europa.eu/sites/default/files/document_library/guidelines%20on%20the%20management%20of%20interest%20rate%20risk%20arising%20from%20non-trading%20activities%20%28eba-gl-2018-02%29.pdf	https://www.eba.europa.eu/sites/default/files/document_library/guidelines%20on%20the%20management%20of%20interest%20rate%20risk%20arising%20from%20non-trading%20activities%20%28eba-gl-2018-02%29.pdf	PROPN
easat-2718	475	10	https://www.eba.europa.eu/sites/default/files/document_library/guidelines%20on%20the%20management%20of%20interest%20rate%20risk%20arising%20from%20non-trading%20activities%20%28eba-gl-2018-02%29.pdf	https://www.eba.europa.eu/sites/default/files/document_library/guidelines%20on%20the%20management%20of%20interest%20rate%20risk%20arising%20from%20non-trading%20activities%20%28eba-gl-2018-02%29.pdf	PROPN
easat-2718	475	11	https://www.eba.europa.eu/sites/default/files/document_library/guidelines%20on%20the%20management%20of%20interest%20rate%20risk%20arising%20from%20non-trading%20activities%20%28eba-gl-2018-02%29.pdf	https://www.eba.europa.eu/sites/default/files/document_library/guidelines%20on%20the%20management%20of%20interest%20rate%20risk%20arising%20from%20non-trading%20activities%20%28eba-gl-2018-02%29.pdf	PROPN
easat-2718	475	12	https://www.bankingsupervision.europa.eu/ecb/pub/pdf/ssm.reportbanksicaappractices202007~fc93bf05d9.lv.pdf	https://www.bankingsupervision.europa.eu/ecb/pub/pdf/ssm.reportbanksicaappractices202007~fc93bf05d9.lv.pdf	PROPN
easat-2718	475	13	https://doi.org/10.2139/ssrn.935028	https://doi.org/10.2139/ssrn.935028	ADJ
easat-2718	475	14	https://doi.org/10.2307/2329062	https://doi.org/10.2307/2329062	NOUN
easat-2718	475	15	https://doi.org/10.2139/ssrn.887730	https://doi.org/10.2139/ssrn.887730	NOUN
easat-2718	475	16	https://doi.org/10.1111/0022-1082.00051	https://doi.org/10.1111/0022-1082.00051	ADJ
easat-2718	475	17	https://doi.org/10.5755/j01.ee.22.3.514	https://doi.org/10.5755/j01.ee.22.3.514	NOUN
easat-2718	475	18	https://doi.org/10.1002/9781119755043	https://doi.org/10.1002/9781119755043	NOUN
easat-2718	475	19	https://doi.org/10.2139/ssrn.1088326	https://doi.org/10.2139/ssrn.1088326	X
easat-2718	475	20	https://www.nbb.be/doc/cp/eng/2015/20151218_o-sii.pdf	https://www.nbb.be/doc/cp/eng/2015/20151218_o-sii.pdf	NOUN
easat-2718	475	21	https://doi.org/10.9790/5933-0411121	https://doi.org/10.9790/5933-0411121	X
easat-2718	475	22	https://doi.org/10.15549/jeecar.v4i2.165	https://doi.org/10.15549/jeecar.v4i2.165	VERB
easat-2718	475	23	https://doi.org/10.15549/jeecar.v6i2.309	https://doi.org/10.15549/jeecar.v6i2.309	PROPN
easat-2718	475	24	https://doi.org/10.1057/9781137436962_9	https://doi.org/10.1057/9781137436962_9	PROPN
easat-2718	475	25	https://doi.org/10.2139/ssrn.2061130	https://doi.org/10.2139/ssrn.2061130	ADV
easat-2718	475	26	https://doi.org/10.2307/2330757	https://doi.org/10.2307/2330757	PRON
easat-2718	475	27	3377	3377	NUM
easat-2718	475	28	edelweiss	edelweiss	PROPN
easat-2718	475	29	applied	apply	VERB
easat-2718	475	30	science	science	NOUN
easat-2718	475	31	and	and	CCONJ
easat-2718	475	32	technology	technology	NOUN
easat-2718	475	33	issn	issn	PROPN
easat-2718	475	34	:	:	PUNCT
easat-2718	475	35	2576	2576	NUM
easat-2718	475	36	-	-	SYM
easat-2718	475	37	8484	8484	NUM
easat-2718	475	38	vol	vol	NOUN
easat-2718	475	39	.	.	PROPN
easat-2718	475	40	8	8	NUM
easat-2718	475	41	,	,	PUNCT
easat-2718	475	42	no	no	INTJ
easat-2718	475	43	.	.	NOUN
easat-2718	475	44	6	6	NUM
easat-2718	475	45	:	:	PUNCT
easat-2718	475	46	3361	3361	NUM
easat-2718	475	47	-	-	SYM
easat-2718	475	48	3380	3380	NUM
easat-2718	475	49	,	,	PUNCT
easat-2718	475	50	2024	2024	NUM
easat-2718	475	51	doi	doi	NOUN
easat-2718	475	52	:	:	PUNCT
easat-2718	475	53	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	475	54	©	©	PROPN
easat-2718	475	55	2024	2024	NUM
easat-2718	475	56	by	by	ADP
easat-2718	475	57	the	the	DET
easat-2718	475	58	authors	author	NOUN
easat-2718	475	59	;	;	PUNCT
easat-2718	475	60	licensee	licensee	PROPN
easat-2718	475	61	learning	learning	NOUN
easat-2718	475	62	gate	gate	NOUN
easat-2718	475	63	[	[	X
easat-2718	475	64	44	44	NUM
easat-2718	475	65	]	]	PUNCT
easat-2718	475	66	state	state	NOUN
easat-2718	475	67	bank	bank	PROPN
easat-2718	475	68	of	of	ADP
easat-2718	475	69	viet	viet	PROPN
easat-2718	475	70	nam	nam	PROPN
easat-2718	475	71	,	,	PUNCT
easat-2718	475	72	circular	circular	ADJ
easat-2718	475	73	no.13	no.13	PROPN
easat-2718	475	74	/	/	SYM
easat-2718	475	75	tt	tt	PROPN
easat-2718	475	76	-	-	PUNCT
easat-2718	475	77	nhnn	nhnn	ADJ
easat-2718	475	78	regulation	regulation	NOUN
easat-2718	475	79	about	about	ADP
easat-2718	475	80	the	the	DET
easat-2718	475	81	internal	internal	ADJ
easat-2718	475	82	control	control	NOUN
easat-2718	475	83	systems	system	NOUN
easat-2718	475	84	of	of	ADP
easat-2718	475	85	commercial	commercial	ADJ
easat-2718	475	86	banks	bank	NOUN
easat-2718	475	87	and	and	CCONJ
easat-2718	475	88	branches	branch	NOUN
easat-2718	475	89	of	of	ADP
easat-2718	475	90	foreign	foreign	ADJ
easat-2718	475	91	banks	bank	NOUN
easat-2718	475	92	in	in	ADP
easat-2718	475	93	vietnam	vietnam	PROPN
easat-2718	475	94	,	,	PUNCT
easat-2718	475	95	(	(	PUNCT
easat-2718	475	96	2013	2013	NUM
easat-2718	475	97	)	)	PUNCT
easat-2718	475	98	.	.	PUNCT
easat-2718	476	1	[	[	X
easat-2718	476	2	45	45	NUM
easat-2718	476	3	]	]	SYM
easat-2718	476	4	stulz	stulz	ADJ
easat-2718	476	5	,	,	PUNCT
easat-2718	476	6	r.	r.	PROPN
easat-2718	476	7	m.	m.	PROPN
easat-2718	476	8	(	(	PUNCT
easat-2718	476	9	2022	2022	NUM
easat-2718	476	10	)	)	PUNCT
easat-2718	476	11	.	.	PUNCT
easat-2718	477	1	rethinking	rethink	VERB
easat-2718	477	2	risk	risk	NOUN
easat-2718	477	3	management	management	NOUN
easat-2718	477	4	.	.	PUNCT
easat-2718	478	1	journal	journal	PROPN
easat-2718	478	2	of	of	ADP
easat-2718	478	3	applied	apply	VERB
easat-2718	478	4	corporate	corporate	ADJ
easat-2718	478	5	finance	finance	NOUN
easat-2718	478	6	,	,	PUNCT
easat-2718	478	7	34(1	34(1	NUM
easat-2718	478	8	)	)	PUNCT
easat-2718	478	9	,	,	PUNCT
easat-2718	478	10	32–46	32–46	NUM
easat-2718	478	11	.	.	PUNCT
easat-2718	478	12	https://doi.org/10.1111/jacf.12486	https://doi.org/10.1111/jacf.12486	PUNCT
easat-2718	479	1	[	[	X
easat-2718	479	2	46	46	NUM
easat-2718	479	3	]	]	PUNCT
easat-2718	479	4	the	the	DET
easat-2718	479	5	australian	australian	ADJ
easat-2718	479	6	prudential	prudential	ADJ
easat-2718	479	7	regulation	regulation	PROPN
easat-2718	479	8	authority	authority	NOUN
easat-2718	479	9	(	(	PUNCT
easat-2718	479	10	apra	apra	ADJ
easat-2718	479	11	)	)	PUNCT
easat-2718	479	12	.	.	PUNCT
easat-2718	480	1	(	(	PUNCT
easat-2718	480	2	2013	2013	NUM
easat-2718	480	3	)	)	PUNCT
easat-2718	480	4	prudential	prudential	PROPN
easat-2718	480	5	standard	standard	PROPN
easat-2718	480	6	aps	aps	PROPN
easat-2718	480	7	117	117	NUM
easat-2718	480	8	–	–	PUNCT
easat-2718	480	9	capital	capital	NOUN
easat-2718	480	10	adequacy	adequacy	NOUN
easat-2718	480	11	:	:	PUNCT
easat-2718	480	12	interest	interest	NOUN
easat-2718	480	13	rate	rate	NOUN
easat-2718	480	14	risk	risk	NOUN
easat-2718	480	15	in	in	ADP
easat-2718	480	16	the	the	DET
easat-2718	480	17	banking	banking	NOUN
easat-2718	480	18	book	book	NOUN
easat-2718	480	19	(	(	PUNCT
easat-2718	480	20	advanced	advanced	PROPN
easat-2718	480	21	adis	adis	PROPN
easat-2718	480	22	)	)	PUNCT
easat-2718	480	23	,	,	PUNCT
easat-2718	480	24	(	(	PUNCT
easat-2718	480	25	2013	2013	NUM
easat-2718	480	26	)	)	PUNCT
easat-2718	480	27	.	.	PUNCT
easat-2718	481	1	https://www.legislation.gov.au/f2012l02334/latest/text	https://www.legislation.gov.au/f2012l02334/latest/text	PRON
easat-2718	481	2	[	[	X
easat-2718	481	3	47	47	NUM
easat-2718	481	4	]	]	SYM
easat-2718	481	5	vu	vu	X
easat-2718	481	6	,	,	PUNCT
easat-2718	481	7	h.	h.	PROPN
easat-2718	481	8	y.	y.	PROPN
easat-2718	481	9	,	,	PUNCT
easat-2718	481	10	nguyen	nguyen	NOUN
easat-2718	481	11	,	,	PUNCT
easat-2718	481	12	t.	t.	PROPN
easat-2718	481	13	t.	t.	PROPN
easat-2718	481	14	t.	t.	PROPN
easat-2718	481	15	,	,	PUNCT
easat-2718	481	16	&	&	CCONJ
easat-2718	481	17	tran	tran	PROPN
easat-2718	481	18	,	,	PUNCT
easat-2718	481	19	t.	t.	PROPN
easat-2718	481	20	t.	t.	PROPN
easat-2718	481	21	h.	h.	PROPN
easat-2718	481	22	(	(	PUNCT
easat-2718	481	23	2023	2023	NUM
easat-2718	481	24	)	)	PUNCT
easat-2718	481	25	.	.	PUNCT
easat-2718	482	1	managing	manage	VERB
easat-2718	482	2	interest	interest	NOUN
easat-2718	482	3	rate	rate	NOUN
easat-2718	482	4	risk	risk	NOUN
easat-2718	482	5	on	on	ADP
easat-2718	482	6	bank	bank	NOUN
easat-2718	482	7	books	book	NOUN
easat-2718	482	8	international	international	ADJ
easat-2718	482	9	experience	experience	NOUN
easat-2718	482	10	and	and	CCONJ
easat-2718	482	11	lessons	lesson	NOUN
easat-2718	482	12	for	for	ADP
easat-2718	482	13	vietnamese	vietnamese	ADJ
easat-2718	482	14	commercial	commercial	ADJ
easat-2718	482	15	banks	bank	NOUN
easat-2718	482	16	.	.	PUNCT
easat-2718	483	1	banking	banking	NOUN
easat-2718	483	2	review	review	PROPN
easat-2718	483	3	,	,	PUNCT
easat-2718	483	4	no4	no4	PROPN
easat-2718	483	5	,	,	PUNCT
easat-2718	483	6	23	23	NUM
easat-2718	483	7	-	-	SYM
easat-2718	483	8	32	32	NUM
easat-2718	484	1	[	[	X
easat-2718	484	2	48	48	NUM
easat-2718	484	3	]	]	PUNCT
easat-2718	484	4	ward	ward	NOUN
easat-2718	484	5	,	,	PUNCT
easat-2718	484	6	s.	s.	PROPN
easat-2718	484	7	(	(	PUNCT
easat-2718	484	8	2004	2004	NUM
easat-2718	484	9	)	)	PUNCT
easat-2718	484	10	.	.	PUNCT
easat-2718	485	1	practical	practical	ADJ
easat-2718	485	2	risk	risk	NOUN
easat-2718	485	3	-	-	PUNCT
easat-2718	485	4	management	management	NOUN
easat-2718	485	5	:	:	PUNCT
easat-2718	485	6	an	an	DET
easat-2718	485	7	executive	executive	ADJ
easat-2718	485	8	guide	guide	NOUN
easat-2718	485	9	to	to	ADP
easat-2718	485	10	avoiding	avoid	VERB
easat-2718	485	11	surprises	surprise	NOUN
easat-2718	485	12	and	and	CCONJ
easat-2718	485	13	losses	loss	NOUN
easat-2718	485	14	.	.	PUNCT
easat-2718	486	1	risk	risk	NOUN
easat-2718	486	2	management	management	NOUN
easat-2718	486	3	,	,	PUNCT
easat-2718	486	4	6(3	6(3	NUM
easat-2718	486	5	)	)	PUNCT
easat-2718	486	6	,	,	PUNCT
easat-2718	486	7	71–72	71–72	NUM
easat-2718	486	8	.	.	PUNCT
easat-2718	487	1	https://doi.org/10.1057/palgrave.rm.8240192	https://doi.org/10.1057/palgrave.rm.8240192	NOUN
easat-2718	488	1	[	[	X
easat-2718	488	2	49	49	NUM
easat-2718	488	3	]	]	X
easat-2718	488	4	wycisk	wycisk	NOUN
easat-2718	488	5	,	,	PUNCT
easat-2718	488	6	m.	m.	NOUN
easat-2718	488	7	,	,	PUNCT
easat-2718	488	8	&	&	CCONJ
easat-2718	488	9	blijlevens	blijlevens	PROPN
easat-2718	488	10	,	,	PUNCT
easat-2718	488	11	s.	s.	PROPN
easat-2718	488	12	(	(	PUNCT
easat-2718	488	13	2018	2018	NUM
easat-2718	488	14	)	)	PUNCT
easat-2718	488	15	.	.	PUNCT
easat-2718	489	1	new	new	ADJ
easat-2718	489	2	swiss	swiss	ADJ
easat-2718	489	3	standard	standard	NOUN
easat-2718	489	4	on	on	ADP
easat-2718	489	5	interest	interest	NOUN
easat-2718	489	6	-	-	PUNCT
easat-2718	489	7	rate	rate	NOUN
easat-2718	489	8	risk	risk	NOUN
easat-2718	489	9	in	in	ADP
easat-2718	489	10	the	the	DET
easat-2718	489	11	banking	banking	NOUN
easat-2718	489	12	book	book	NOUN
easat-2718	489	13	(	(	PUNCT
easat-2718	489	14	irrbb	irrbb	PROPN
easat-2718	489	15	)	)	PUNCT
easat-2718	489	16	.	.	PUNCT
easat-2718	490	1	https://zanders.eu/en/latest-insights/new-swiss-standard-on-interest-raterisk-in-the-banking-book-irrbb	https://zanders.eu/en/latest-insights/new-swiss-standard-on-interest-raterisk-in-the-banking-book-irrbb	PROPN
easat-2718	491	1	[	[	X
easat-2718	491	2	50	50	NUM
easat-2718	491	3	]	]	PUNCT
easat-2718	491	4	zigiene	zigiene	NOUN
easat-2718	491	5	,	,	PUNCT
easat-2718	491	6	g.	g.	PROPN
easat-2718	491	7	,	,	PUNCT
easat-2718	491	8	&	&	CCONJ
easat-2718	491	9	mantas	mantas	PROPN
easat-2718	491	10	valukonis	valukonis	PROPN
easat-2718	491	11	.	.	PUNCT
easat-2718	492	1	(	(	PUNCT
easat-2718	492	2	2022	2022	NUM
easat-2718	492	3	)	)	PUNCT
easat-2718	492	4	.	.	PUNCT
easat-2718	493	1	nii	nii	PROPN
easat-2718	493	2	forecasting	forecasting	NOUN
easat-2718	493	3	model	model	NOUN
easat-2718	493	4	for	for	ADP
easat-2718	493	5	local	local	ADJ
easat-2718	493	6	baltic	baltic	ADJ
easat-2718	493	7	banks	bank	NOUN
easat-2718	493	8	irrbb	irrbb	PROPN
easat-2718	493	9	management	management	NOUN
easat-2718	493	10	.	.	PUNCT
easat-2718	494	1	11th	11th	ADJ
easat-2718	494	2	international	international	ADJ
easat-2718	494	3	scientific	scientific	ADJ
easat-2718	494	4	conference	conference	NOUN
easat-2718	494	5	“	"	PUNCT
easat-2718	494	6	business	business	NOUN
easat-2718	494	7	and	and	CCONJ
easat-2718	494	8	management	management	NOUN
easat-2718	494	9	2020	2020	NUM
easat-2718	494	10	.	.	PUNCT
easat-2718	494	11	”	"	PUNCT
easat-2718	495	1	https://doi.org/10.3846/bm.2022.844	https://doi.org/10.3846/bm.2022.844	NOUN
easat-2718	495	2	[	[	X
easat-2718	495	3	51	51	NUM
easat-2718	495	4	]	]	PUNCT
easat-2718	495	5	zijderveld	zijderveld	NOUN
easat-2718	495	6	,	,	PUNCT
easat-2718	495	7	roberto	roberto	PROPN
easat-2718	495	8	virreira	virreira	PROPN
easat-2718	495	9	,	,	PUNCT
easat-2718	495	10	(	(	PUNCT
easat-2718	495	11	2017	2017	NUM
easat-2718	495	12	)	)	PUNCT
easat-2718	495	13	.	.	PUNCT
easat-2718	496	1	bcbs	bcbs	PROPN
easat-2718	496	2	irrbb	irrbb	PROPN
easat-2718	496	3	pillar	pillar	NOUN
easat-2718	496	4	2	2	NUM
easat-2718	496	5	:	:	PUNCT
easat-2718	496	6	the	the	DET
easat-2718	496	7	new	new	ADJ
easat-2718	496	8	standard	standard	NOUN
easat-2718	496	9	for	for	ADP
easat-2718	496	10	the	the	DET
easat-2718	496	11	banking	banking	NOUN
easat-2718	496	12	industry	industry	NOUN
easat-2718	496	13	.	.	PUNCT
easat-2718	497	1	journal	journal	NOUN
easat-2718	497	2	of	of	ADP
easat-2718	497	3	risk	risk	NOUN
easat-2718	497	4	management	management	NOUN
easat-2718	497	5	in	in	ADP
easat-2718	497	6	financial	financial	ADJ
easat-2718	497	7	institutions	institution	NOUN
easat-2718	497	8	,	,	PUNCT
easat-2718	497	9	henry	henry	PROPN
easat-2718	497	10	stewart	stewart	PROPN
easat-2718	497	11	publications	publications	PROPN
easat-2718	497	12	,	,	PUNCT
easat-2718	497	13	vol	vol	NOUN
easat-2718	497	14	.	.	PUNCT
easat-2718	497	15	10(3	10(3	NUM
easat-2718	497	16	)	)	PUNCT
easat-2718	498	1	,	,	PUNCT
easat-2718	498	2	pages	page	VERB
easat-2718	498	3	282	282	NUM
easat-2718	498	4	-	-	SYM
easat-2718	498	5	288	288	NUM
easat-2718	498	6	,	,	PUNCT
easat-2718	498	7	august	august	PROPN
easat-2718	498	8	.	.	PUNCT
easat-2718	499	1	appendix	appendix	NOUN
easat-2718	499	2	1	1	NUM
easat-2718	499	3	:	:	PUNCT
easat-2718	499	4	the	the	DET
easat-2718	499	5	questionnaire	questionnaire	NOUN
easat-2718	499	6	.	.	PUNCT
easat-2718	500	1	this	this	DET
easat-2718	500	2	survey	survey	NOUN
easat-2718	500	3	is	be	AUX
easat-2718	500	4	conducted	conduct	VERB
easat-2718	500	5	to	to	PART
easat-2718	500	6	study	study	VERB
easat-2718	500	7	the	the	DET
easat-2718	500	8	implementation	implementation	NOUN
easat-2718	500	9	of	of	ADP
easat-2718	500	10	interest	interest	NOUN
easat-2718	500	11	rate	rate	NOUN
easat-2718	500	12	risk	risk	NOUN
easat-2718	500	13	in	in	ADP
easat-2718	500	14	banking	banking	NOUN
easat-2718	500	15	book	book	NOUN
easat-2718	500	16	(	(	PUNCT
easat-2718	500	17	irrbb	irrbb	NOUN
easat-2718	500	18	)	)	PUNCT
easat-2718	500	19	management	management	NOUN
easat-2718	500	20	among	among	ADP
easat-2718	500	21	vietnamese	vietnamese	ADJ
easat-2718	500	22	commercial	commercial	ADJ
easat-2718	500	23	banks	bank	NOUN
easat-2718	500	24	to	to	PART
easat-2718	500	25	propose	propose	VERB
easat-2718	500	26	recommendations	recommendation	NOUN
easat-2718	500	27	for	for	ADP
easat-2718	500	28	completing	complete	VERB
easat-2718	500	29	irrrbb	irrrbb	PROPN
easat-2718	500	30	management	management	NOUN
easat-2718	500	31	policies	policy	NOUN
easat-2718	500	32	and	and	CCONJ
easat-2718	500	33	framework	framework	NOUN
easat-2718	500	34	in	in	ADP
easat-2718	500	35	vietnam	vietnam	PROPN
easat-2718	500	36	.	.	PUNCT
easat-2718	501	1	the	the	DET
easat-2718	501	2	collected	collect	VERB
easat-2718	501	3	information	information	NOUN
easat-2718	501	4	will	will	AUX
easat-2718	501	5	be	be	AUX
easat-2718	501	6	kept	keep	VERB
easat-2718	501	7	confidential	confidential	ADJ
easat-2718	501	8	,	,	PUNCT
easat-2718	501	9	served	serve	VERB
easat-2718	501	10	for	for	ADP
easat-2718	501	11	research	research	NOUN
easat-2718	501	12	purposes	purpose	NOUN
easat-2718	501	13	,	,	PUNCT
easat-2718	501	14	and	and	CCONJ
easat-2718	501	15	not	not	PART
easat-2718	501	16	shared	share	VERB
easat-2718	501	17	with	with	ADP
easat-2718	501	18	third	third	ADJ
easat-2718	501	19	parties	party	NOUN
easat-2718	501	20	.	.	PUNCT
easat-2718	502	1	thank	thank	VERB
easat-2718	502	2	you	you	PRON
easat-2718	502	3	.	.	PUNCT
easat-2718	503	1	1	1	X
easat-2718	503	2	.	.	X
easat-2718	503	3	has	have	AUX
easat-2718	503	4	your	your	PRON
easat-2718	503	5	bank	bank	NOUN
easat-2718	503	6	implemented	implement	VERB
easat-2718	503	7	basel	basel	PROPN
easat-2718	503	8	ii	ii	PROPN
easat-2718	503	9	standards	standard	NOUN
easat-2718	503	10	?	?	PUNCT
easat-2718	504	1	a.	a.	NOUN
easat-2718	504	2	not	not	PART
easat-2718	504	3	yet	yet	ADV
easat-2718	504	4	b.	b.	PROPN
easat-2718	505	1	yes	yes	INTJ
easat-2718	505	2	,	,	PUNCT
easat-2718	505	3	in	in	ADP
easat-2718	505	4	progress	progress	NOUN
easat-2718	505	5	c.	c.	PROPN
easat-2718	505	6	completed	complete	VERB
easat-2718	505	7	2	2	NUM
easat-2718	505	8	.	.	PUNCT
easat-2718	505	9	when	when	SCONJ
easat-2718	505	10	did	do	AUX
easat-2718	505	11	your	your	PRON
easat-2718	505	12	bank	bank	NOUN
easat-2718	505	13	start	start	VERB
easat-2718	505	14	adopting	adopt	VERB
easat-2718	505	15	basel	basel	PROPN
easat-2718	505	16	ii	ii	PROPN
easat-2718	505	17	standards	standard	NOUN
easat-2718	505	18	?	?	PUNCT
easat-2718	505	19	..................................................................................................................................................	..................................................................................................................................................	PUNCT
easat-2718	506	1	3	3	X
easat-2718	506	2	.	.	X
easat-2718	506	3	concerning	concern	VERB
easat-2718	506	4	basel	basel	PROPN
easat-2718	506	5	ii	ii	PROPN
easat-2718	506	6	standards	standard	NOUN
easat-2718	506	7	,	,	PUNCT
easat-2718	506	8	your	your	PRON
easat-2718	506	9	bank	bank	NOUN
easat-2718	506	10	has	have	AUX
easat-2718	506	11	implemented	implement	VERB
easat-2718	506	12	a.	a.	NOUN
easat-2718	506	13	pillar	pillar	NOUN
easat-2718	506	14	1	1	NUM
easat-2718	506	15	b.	b.	NOUN
easat-2718	506	16	pillar	pillar	NOUN
easat-2718	506	17	1	1	NUM
easat-2718	506	18	and	and	CCONJ
easat-2718	506	19	pillar	pillar	NOUN
easat-2718	506	20	2	2	NUM
easat-2718	506	21	c.	c.	NOUN
easat-2718	506	22	pillar	pillar	NOUN
easat-2718	506	23	1	1	NUM
easat-2718	506	24	,	,	PUNCT
easat-2718	506	25	pillar	pillar	NOUN
easat-2718	506	26	2	2	NUM
easat-2718	506	27	and	and	CCONJ
easat-2718	506	28	pillar	pillar	VERB
easat-2718	506	29	3	3	NUM
easat-2718	506	30	d.	d.	PROPN
easat-2718	506	31	other	other	ADJ
easat-2718	506	32	:	:	PUNCT
easat-2718	506	33	…	…	PUNCT
easat-2718	506	34	……	……	NOUN
easat-2718	506	35	……	……	NOUN
easat-2718	506	36	..............................	..............................	PUNCT
easat-2718	507	1	4	4	X
easat-2718	507	2	.	.	X
easat-2718	507	3	did	do	AUX
easat-2718	507	4	your	your	PRON
easat-2718	507	5	bank	bank	NOUN
easat-2718	507	6	establish	establish	VERB
easat-2718	507	7	alco	alco	NOUN
easat-2718	507	8	?	?	PUNCT
easat-2718	508	1	a.	a.	NOUN
easat-2718	508	2	no	no	DET
easat-2718	508	3	b.	b.	PROPN
easat-2718	508	4	in	in	ADP
easat-2718	508	5	progress	progress	PROPN
easat-2718	508	6	c.	c.	PROPN
easat-2718	508	7	completed	complete	VERB
easat-2718	508	8	5	5	NUM
easat-2718	508	9	.	.	NOUN
easat-2718	508	10	which	which	DET
easat-2718	508	11	part	part	NOUN
easat-2718	508	12	of	of	ADP
easat-2718	508	13	your	your	PRON
easat-2718	508	14	bank	bank	NOUN
easat-2718	508	15	is	be	AUX
easat-2718	508	16	in	in	ADP
easat-2718	508	17	charge	charge	NOUN
easat-2718	508	18	of	of	ADP
easat-2718	508	19	interest	interest	NOUN
easat-2718	508	20	rate	rate	NOUN
easat-2718	508	21	risk	risk	NOUN
easat-2718	508	22	in	in	ADP
easat-2718	508	23	banking	banking	NOUN
easat-2718	508	24	book	book	NOUN
easat-2718	508	25	(	(	PUNCT
easat-2718	508	26	irrbb	irrbb	NOUN
easat-2718	508	27	)	)	PUNCT
easat-2718	508	28	management	management	NOUN
easat-2718	508	29	?	?	PUNCT
easat-2718	509	1	a.	a.	PROPN
easat-2718	509	2	alco	alco	PROPN
easat-2718	509	3	b.	b.	PROPN
easat-2718	509	4	risk	risk	PROPN
easat-2718	509	5	management	management	PROPN
easat-2718	509	6	committee	committee	PROPN
easat-2718	509	7	c.	c.	PROPN
easat-2718	509	8	risk	risk	PROPN
easat-2718	509	9	management	management	NOUN
easat-2718	509	10	division	division	NOUN
easat-2718	509	11	d.	d.	PROPN
easat-2718	509	12	other	other	ADJ
easat-2718	509	13	:	:	PUNCT
easat-2718	509	14	…	…	PUNCT
easat-2718	509	15	…	…	PUNCT
easat-2718	509	16	…	…	PUNCT
easat-2718	509	17	…	…	PUNCT
easat-2718	509	18	…	…	PUNCT
easat-2718	509	19	……	……	NOUN
easat-2718	509	20	……	……	NOUN
easat-2718	509	21	……	……	NOUN
easat-2718	509	22	..	..	PUNCT
easat-2718	509	23	6	6	NUM
easat-2718	509	24	.	.	PUNCT
easat-2718	509	25	has	have	AUX
easat-2718	509	26	your	your	PRON
easat-2718	509	27	bank	bank	NOUN
easat-2718	509	28	defined	define	VERB
easat-2718	509	29	its	its	PRON
easat-2718	509	30	risk	risk	NOUN
easat-2718	509	31	appetite	appetite	NOUN
easat-2718	509	32	?	?	PUNCT
easat-2718	510	1	please	please	INTJ
easat-2718	510	2	rate	rate	VERB
easat-2718	510	3	the	the	DET
easat-2718	510	4	extent	extent	NOUN
easat-2718	510	5	of	of	ADP
easat-2718	510	6	setting	set	VERB
easat-2718	510	7	risk	risk	NOUN
easat-2718	510	8	appetite	appetite	NOUN
easat-2718	510	9	in	in	ADP
easat-2718	510	10	your	your	PRON
easat-2718	510	11	bank	bank	NOUN
easat-2718	510	12	using	use	VERB
easat-2718	510	13	the	the	DET
easat-2718	510	14	following	follow	VERB
easat-2718	510	15	scales	scale	NOUN
easat-2718	510	16	:	:	PUNCT
easat-2718	510	17	•	•	NOUN
easat-2718	510	18	0	0	NUM
easat-2718	510	19	:	:	PUNCT
easat-2718	510	20	none	none	NOUN
easat-2718	510	21	(	(	PUNCT
easat-2718	510	22	0	0	NUM
easat-2718	510	23	%	%	NOUN
easat-2718	510	24	)	)	PUNCT
easat-2718	510	25	;	;	PUNCT
easat-2718	510	26	•	•	NOUN
easat-2718	510	27	1	1	NUM
easat-2718	510	28	:	:	PUNCT
easat-2718	510	29	very	very	ADV
easat-2718	510	30	few	few	ADJ
easat-2718	510	31	(	(	PUNCT
easat-2718	510	32	less	less	ADJ
easat-2718	510	33	than	than	ADP
easat-2718	510	34	10	10	NUM
easat-2718	510	35	%	%	NOUN
easat-2718	510	36	)	)	PUNCT
easat-2718	510	37	;	;	PUNCT
easat-2718	510	38	•	•	NOUN
easat-2718	510	39	2	2	NUM
easat-2718	510	40	:	:	PUNCT
easat-2718	510	41	yes	yes	INTJ
easat-2718	510	42	,	,	PUNCT
easat-2718	510	43	but	but	CCONJ
easat-2718	510	44	still	still	ADV
easat-2718	510	45	limited	limited	ADJ
easat-2718	510	46	/	/	SYM
easat-2718	510	47	inadequate	inadequate	ADJ
easat-2718	510	48	(	(	PUNCT
easat-2718	510	49	less	less	ADJ
easat-2718	510	50	than	than	ADP
easat-2718	510	51	50	50	NUM
easat-2718	510	52	%	%	NOUN
easat-2718	510	53	)	)	PUNCT
easat-2718	510	54	;	;	PUNCT
easat-2718	510	55	•	•	NOUN
easat-2718	510	56	3	3	NUM
easat-2718	510	57	:	:	PUNCT
easat-2718	510	58	relatively	relatively	ADV
easat-2718	510	59	completed	complete	VERB
easat-2718	510	60	(	(	PUNCT
easat-2718	510	61	from	from	ADP
easat-2718	510	62	50	50	NUM
easat-2718	510	63	%	%	NOUN
easat-2718	510	64	to	to	ADP
easat-2718	510	65	less	less	ADJ
easat-2718	510	66	than	than	ADP
easat-2718	510	67	100	100	NUM
easat-2718	510	68	%	%	NOUN
easat-2718	510	69	)	)	PUNCT
easat-2718	510	70	;	;	PUNCT
easat-2718	510	71	•	•	NOUN
easat-2718	510	72	4	4	NUM
easat-2718	510	73	:	:	PUNCT
easat-2718	510	74	full	full	ADJ
easat-2718	510	75	/	/	PUNCT
easat-2718	510	76	completed	complete	VERB
easat-2718	510	77	(	(	PUNCT
easat-2718	510	78	100	100	NUM
easat-2718	510	79	%	%	NOUN
easat-2718	510	80	)	)	PUNCT
easat-2718	510	81	.	.	PUNCT
easat-2718	511	1	contents	content	NOUN
easat-2718	511	2	scales	scale	VERB
easat-2718	511	3	your	your	PRON
easat-2718	511	4	answer	answer	NOUN
easat-2718	511	5	define	define	VERB
easat-2718	511	6	risk	risk	NOUN
easat-2718	511	7	appetite	appetite	NOUN
easat-2718	511	8	framework	framework	NOUN
easat-2718	511	9	.	.	PUNCT
easat-2718	512	1	principle	principle	NOUN
easat-2718	512	2	:	:	PUNCT
easat-2718	512	3	board	board	NOUN
easat-2718	512	4	-	-	PUNCT
easat-2718	512	5	set	set	VERB
easat-2718	512	6	risk	risk	NOUN
easat-2718	512	7	appetite	appetite	NOUN
easat-2718	512	8	statement	statement	NOUN
easat-2718	512	9	(	(	PUNCT
easat-2718	512	10	qualitative	qualitative	ADJ
easat-2718	512	11	and	and	CCONJ
easat-2718	512	12	quantitative	quantitative	ADJ
easat-2718	512	13	indicators	indicator	NOUN
easat-2718	512	14	)	)	PUNCT
easat-2718	512	15	,	,	PUNCT
easat-2718	512	16	overall	overall	ADJ
easat-2718	512	17	risk	risk	NOUN
easat-2718	512	18	tolerance	tolerance	NOUN
easat-2718	512	19	defining	define	VERB
easat-2718	512	20	,	,	PUNCT
easat-2718	512	21	key	key	ADJ
easat-2718	512	22	risk	risk	NOUN
easat-2718	512	23	indicators	indicator	NOUN
easat-2718	512	24	developing	develop	VERB
easat-2718	512	25	,	,	PUNCT
easat-2718	512	26	tolerance	tolerance	NOUN
easat-2718	512	27	threshold	threshold	NOUN
easat-2718	512	28	determining	determine	VERB
easat-2718	512	29	for	for	ADP
easat-2718	512	30	each	each	DET
easat-2718	512	31	significant	significant	ADJ
easat-2718	512	32	risk	risk	NOUN
easat-2718	512	33	indicator	indicator	NOUN
easat-2718	512	34	(	(	PUNCT
easat-2718	512	35	0	0	NUM
easat-2718	512	36	-	-	SYM
easat-2718	512	37	4	4	NUM
easat-2718	512	38	)	)	PUNCT
easat-2718	512	39	apply	apply	VERB
easat-2718	512	40	risk	risk	NOUN
easat-2718	512	41	appetite	appetite	NOUN
easat-2718	512	42	into	into	ADP
easat-2718	512	43	business	business	NOUN
easat-2718	512	44	practice	practice	NOUN
easat-2718	512	45	(	(	PUNCT
easat-2718	512	46	incorporating	incorporate	VERB
easat-2718	512	47	risk	risk	NOUN
easat-2718	512	48	appetite	appetite	NOUN
easat-2718	512	49	into	into	ADP
easat-2718	512	50	the	the	DET
easat-2718	512	51	bank	bank	NOUN
easat-2718	512	52	's	's	PART
easat-2718	512	53	strategic	strategic	ADJ
easat-2718	512	54	policies	policy	NOUN
easat-2718	512	55	,	,	PUNCT
easat-2718	512	56	processes	process	NOUN
easat-2718	512	57	,	,	PUNCT
easat-2718	512	58	and	and	CCONJ
easat-2718	512	59	credit	credit	NOUN
easat-2718	512	60	limit	limit	NOUN
easat-2718	512	61	management	management	NOUN
easat-2718	512	62	systems	system	NOUN
easat-2718	512	63	consistent	consistent	ADJ
easat-2718	512	64	with	with	ADP
easat-2718	512	65	business	business	NOUN
easat-2718	512	66	plans	plan	NOUN
easat-2718	512	67	and	and	CCONJ
easat-2718	512	68	controls	control	NOUN
easat-2718	512	69	through	through	ADP
easat-2718	512	70	management	management	NOUN
easat-2718	512	71	reports	report	NOUN
easat-2718	512	72	)	)	PUNCT
easat-2718	512	73	(	(	PUNCT
easat-2718	512	74	0	0	NUM
easat-2718	512	75	-	-	SYM
easat-2718	512	76	4	4	NUM
easat-2718	512	77	)	)	PUNCT
easat-2718	512	78	https://doi.org/10.1111/jacf.12486	https://doi.org/10.1111/jacf.12486	ADJ
easat-2718	512	79	https://www.legislation.gov.au/f2012l02334/latest/text	https://www.legislation.gov.au/f2012l02334/latest/text	PROPN
easat-2718	512	80	https://doi.org/10.1057/palgrave.rm.8240192	https://doi.org/10.1057/palgrave.rm.8240192	NOUN
easat-2718	512	81	https://zanders.eu/en/latest-insights/new-swiss-standard-on-interest-raterisk-in-the-banking-book-irrbb	https://zanders.eu/en/latest-insights/new-swiss-standard-on-interest-raterisk-in-the-banking-book-irrbb	PROPN
easat-2718	512	82	https://doi.org/10.3846/bm.2022.844	https://doi.org/10.3846/bm.2022.844	PROPN
easat-2718	512	83	3378	3378	NUM
easat-2718	512	84	edelweiss	edelweiss	PROPN
easat-2718	512	85	applied	apply	VERB
easat-2718	512	86	science	science	NOUN
easat-2718	512	87	and	and	CCONJ
easat-2718	512	88	technology	technology	NOUN
easat-2718	512	89	issn	issn	PROPN
easat-2718	512	90	:	:	PUNCT
easat-2718	512	91	2576	2576	NUM
easat-2718	512	92	-	-	SYM
easat-2718	512	93	8484	8484	NUM
easat-2718	512	94	vol	vol	NOUN
easat-2718	512	95	.	.	PROPN
easat-2718	513	1	8	8	NUM
easat-2718	513	2	,	,	PUNCT
easat-2718	513	3	no	no	INTJ
easat-2718	513	4	.	.	NOUN
easat-2718	514	1	6	6	NUM
easat-2718	514	2	:	:	PUNCT
easat-2718	514	3	3361	3361	NUM
easat-2718	514	4	-	-	SYM
easat-2718	514	5	3380	3380	NUM
easat-2718	514	6	,	,	PUNCT
easat-2718	514	7	2024	2024	NUM
easat-2718	514	8	doi	doi	NOUN
easat-2718	514	9	:	:	PUNCT
easat-2718	514	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	514	11	©	©	PROPN
easat-2718	514	12	2024	2024	NUM
easat-2718	514	13	by	by	ADP
easat-2718	514	14	the	the	DET
easat-2718	514	15	authors	author	NOUN
easat-2718	514	16	;	;	PUNCT
easat-2718	514	17	licensee	licensee	PROPN
easat-2718	514	18	learning	learning	NOUN
easat-2718	514	19	gate	gate	NOUN
easat-2718	514	20	6.1	6.1	NUM
easat-2718	514	21	.	.	PUNCT
easat-2718	515	1	has	have	AUX
easat-2718	515	2	your	your	PRON
easat-2718	515	3	bank	bank	NOUN
easat-2718	515	4	clearly	clearly	ADV
easat-2718	515	5	defined	define	VERB
easat-2718	515	6	its	its	PRON
easat-2718	515	7	risk	risk	NOUN
easat-2718	515	8	appetite	appetite	NOUN
easat-2718	515	9	for	for	ADP
easat-2718	515	10	irrbb	irrbb	NOUN
easat-2718	515	11	?	?	PUNCT
easat-2718	516	1	a.	a.	NOUN
easat-2718	516	2	not	not	PART
easat-2718	516	3	yet	yet	ADV
easat-2718	516	4	b.	b.	PROPN
easat-2718	516	5	in	in	ADP
easat-2718	516	6	progress	progress	PROPN
easat-2718	516	7	c.	c.	PROPN
easat-2718	517	1	yes	yes	INTJ
easat-2718	517	2	,	,	PUNCT
easat-2718	517	3	completed	complete	VERB
easat-2718	517	4	if	if	SCONJ
easat-2718	517	5	you	you	PRON
easat-2718	517	6	choose	choose	VERB
easat-2718	517	7	a	a	DET
easat-2718	517	8	,	,	PUNCT
easat-2718	517	9	move	move	NOUN
easat-2718	517	10	to	to	PART
easat-2718	517	11	question	question	VERB
easat-2718	517	12	7	7	NUM
easat-2718	517	13	.	.	PUNCT
easat-2718	518	1	if	if	SCONJ
easat-2718	518	2	you	you	PRON
easat-2718	518	3	choose	choose	VERB
easat-2718	518	4	c	c	NOUN
easat-2718	518	5	,	,	PUNCT
easat-2718	518	6	move	move	VERB
easat-2718	518	7	to	to	PART
easat-2718	518	8	question	question	VERB
easat-2718	518	9	6.2	6.2	NUM
easat-2718	518	10	.	.	PUNCT
easat-2718	519	1	6.2	6.2	NUM
easat-2718	519	2	.	.	PUNCT
easat-2718	519	3	has	have	VERB
easat-2718	519	4	your	your	PRON
easat-2718	519	5	bank	bank	NOUN
easat-2718	519	6	's	's	PART
easat-2718	519	7	risk	risk	NOUN
easat-2718	519	8	appetite	appetite	NOUN
easat-2718	519	9	statement	statement	NOUN
easat-2718	519	10	for	for	ADP
easat-2718	519	11	irrbb	irrbb	NOUN
easat-2718	519	12	provided	provide	VERB
easat-2718	519	13	qualitative	qualitative	NOUN
easat-2718	519	14	or	or	CCONJ
easat-2718	519	15	quantitative	quantitative	ADJ
easat-2718	519	16	information	information	NOUN
easat-2718	519	17	?	?	PUNCT
easat-2718	520	1	a.	a.	NOUN
easat-2718	520	2	qualitative	qualitative	PROPN
easat-2718	520	3	information	information	PROPN
easat-2718	520	4	b.	b.	PROPN
easat-2718	520	5	quantitative	quantitative	ADJ
easat-2718	520	6	information	information	PROPN
easat-2718	520	7	c.	c.	PROPN
easat-2718	520	8	both	both	CCONJ
easat-2718	520	9	d.	d.	PROPN
easat-2718	520	10	other	other	ADJ
easat-2718	520	11	:	:	PUNCT
easat-2718	520	12	……	……	NOUN
easat-2718	520	13	……	……	NOUN
easat-2718	520	14	……	……	NOUN
easat-2718	520	15	.....................................................................................................	.....................................................................................................	NOUN
easat-2718	520	16	if	if	SCONJ
easat-2718	520	17	you	you	PRON
easat-2718	520	18	choose	choose	VERB
easat-2718	520	19	a	a	DET
easat-2718	520	20	,	,	PUNCT
easat-2718	520	21	move	move	NOUN
easat-2718	520	22	to	to	PART
easat-2718	520	23	question	question	VERB
easat-2718	520	24	7	7	NUM
easat-2718	520	25	.	.	PUNCT
easat-2718	521	1	if	if	SCONJ
easat-2718	521	2	you	you	PRON
easat-2718	521	3	choose	choose	VERB
easat-2718	521	4	b	b	NOUN
easat-2718	521	5	or	or	CCONJ
easat-2718	521	6	c	c	NOUN
easat-2718	521	7	,	,	PUNCT
easat-2718	521	8	move	move	VERB
easat-2718	521	9	to	to	PART
easat-2718	521	10	question	question	VERB
easat-2718	521	11	6.3	6.3	NUM
easat-2718	521	12	.	.	PUNCT
easat-2718	522	1	6.3	6.3	NUM
easat-2718	522	2	.	.	PUNCT
easat-2718	523	1	your	your	PRON
easat-2718	523	2	bank	bank	NOUN
easat-2718	523	3	’s	’s	PART
easat-2718	523	4	quantitative	quantitative	ADJ
easat-2718	523	5	irrbb	irrbb	NOUN
easat-2718	523	6	statement	statement	NOUN
easat-2718	523	7	has	have	AUX
easat-2718	523	8	provided	provide	VERB
easat-2718	523	9	:	:	PUNCT
easat-2718	523	10	a.	a.	NOUN
easat-2718	523	11	changes	change	NOUN
easat-2718	523	12	in	in	ADP
easat-2718	523	13	interest	interest	NOUN
easat-2718	523	14	rate	rate	NOUN
easat-2718	523	15	-	-	PUNCT
easat-2718	523	16	sensitive	sensitive	ADJ
easat-2718	523	17	assets	asset	NOUN
easat-2718	523	18	and	and	CCONJ
easat-2718	523	19	liabilities	liability	NOUN
easat-2718	523	20	gap	gap	NOUN
easat-2718	523	21	b.	b.	PROPN
easat-2718	523	22	changes	change	NOUN
easat-2718	523	23	in	in	ADP
easat-2718	523	24	net	net	ADJ
easat-2718	523	25	interest	interest	NOUN
easat-2718	523	26	income	income	NOUN
easat-2718	523	27	(	(	PUNCT
easat-2718	523	28	∆nii	∆nii	PRON
easat-2718	523	29	)	)	PUNCT
easat-2718	523	30	c.	c.	NOUN
easat-2718	523	31	changes	change	NOUN
easat-2718	523	32	in	in	ADP
easat-2718	523	33	the	the	DET
easat-2718	523	34	economic	economic	ADJ
easat-2718	523	35	value	value	NOUN
easat-2718	523	36	of	of	ADP
easat-2718	523	37	equity	equity	NOUN
easat-2718	523	38	(	(	PUNCT
easat-2718	523	39	∆eve	∆eve	PROPN
easat-2718	523	40	)	)	PUNCT
easat-2718	523	41	d.	d.	PROPN
easat-2718	523	42	other	other	ADJ
easat-2718	523	43	:	:	PUNCT
easat-2718	523	44	……	……	NOUN
easat-2718	523	45	……	……	NOUN
easat-2718	523	46	……	……	NOUN
easat-2718	523	47	.....................................................................................................	.....................................................................................................	SYM
easat-2718	523	48	7	7	NUM
easat-2718	523	49	.	.	X
easat-2718	523	50	has	have	AUX
easat-2718	523	51	your	your	PRON
easat-2718	523	52	bank	bank	NOUN
easat-2718	523	53	treated	treat	VERB
easat-2718	523	54	irrbb	irrbb	NOUN
easat-2718	523	55	as	as	ADP
easat-2718	523	56	a	a	DET
easat-2718	523	57	material	material	NOUN
easat-2718	523	58	risk	risk	NOUN
easat-2718	523	59	?	?	PUNCT
easat-2718	524	1	a.	a.	NOUN
easat-2718	524	2	not	not	PART
easat-2718	524	3	yet	yet	ADV
easat-2718	524	4	b.	b.	PROPN
easat-2718	524	5	in	in	ADP
easat-2718	524	6	progress	progress	PROPN
easat-2718	524	7	c.	c.	PROPN
easat-2718	525	1	yes	yes	INTJ
easat-2718	525	2	8	8	X
easat-2718	525	3	.	.	PUNCT
easat-2718	525	4	has	have	AUX
easat-2718	525	5	your	your	PRON
easat-2718	525	6	bank	bank	NOUN
easat-2718	525	7	implemented	implement	VERB
easat-2718	525	8	irrbb	irrbb	NOUN
easat-2718	525	9	management	management	NOUN
easat-2718	525	10	?	?	PUNCT
easat-2718	526	1	please	please	INTJ
easat-2718	526	2	rate	rate	VERB
easat-2718	526	3	the	the	DET
easat-2718	526	4	extent	extent	NOUN
easat-2718	526	5	of	of	ADP
easat-2718	526	6	implementing	implement	VERB
easat-2718	526	7	irrbb	irrbb	NOUN
easat-2718	526	8	management	management	NOUN
easat-2718	526	9	in	in	ADP
easat-2718	526	10	your	your	PRON
easat-2718	526	11	bank	bank	NOUN
easat-2718	526	12	using	use	VERB
easat-2718	526	13	the	the	DET
easat-2718	526	14	following	follow	VERB
easat-2718	526	15	scales	scale	NOUN
easat-2718	526	16	:	:	PUNCT
easat-2718	526	17	•	•	NOUN
easat-2718	526	18	0	0	NUM
easat-2718	526	19	:	:	PUNCT
easat-2718	526	20	none	none	NOUN
easat-2718	526	21	(	(	PUNCT
easat-2718	526	22	0	0	NUM
easat-2718	526	23	%	%	NOUN
easat-2718	526	24	)	)	PUNCT
easat-2718	526	25	;	;	PUNCT
easat-2718	526	26	•	•	NOUN
easat-2718	526	27	1	1	NUM
easat-2718	526	28	:	:	PUNCT
easat-2718	526	29	very	very	ADV
easat-2718	526	30	few	few	ADJ
easat-2718	526	31	(	(	PUNCT
easat-2718	526	32	less	less	ADJ
easat-2718	526	33	than	than	ADP
easat-2718	526	34	10	10	NUM
easat-2718	526	35	%	%	NOUN
easat-2718	526	36	)	)	PUNCT
easat-2718	526	37	;	;	PUNCT
easat-2718	526	38	•	•	NOUN
easat-2718	526	39	2	2	NUM
easat-2718	526	40	:	:	PUNCT
easat-2718	526	41	yes	yes	INTJ
easat-2718	526	42	,	,	PUNCT
easat-2718	526	43	but	but	CCONJ
easat-2718	526	44	still	still	ADV
easat-2718	526	45	limited	limited	ADJ
easat-2718	526	46	/	/	SYM
easat-2718	526	47	inadequate	inadequate	ADJ
easat-2718	526	48	(	(	PUNCT
easat-2718	526	49	less	less	ADJ
easat-2718	526	50	than	than	ADP
easat-2718	526	51	50	50	NUM
easat-2718	526	52	%	%	NOUN
easat-2718	526	53	)	)	PUNCT
easat-2718	526	54	;	;	PUNCT
easat-2718	526	55	•	•	NOUN
easat-2718	526	56	3	3	NUM
easat-2718	526	57	:	:	PUNCT
easat-2718	526	58	relatively	relatively	ADV
easat-2718	526	59	completed	complete	VERB
easat-2718	526	60	(	(	PUNCT
easat-2718	526	61	from	from	ADP
easat-2718	526	62	50	50	NUM
easat-2718	526	63	%	%	NOUN
easat-2718	526	64	to	to	ADP
easat-2718	526	65	less	less	ADJ
easat-2718	526	66	than	than	ADP
easat-2718	526	67	100	100	NUM
easat-2718	526	68	%	%	NOUN
easat-2718	526	69	)	)	PUNCT
easat-2718	526	70	;	;	PUNCT
easat-2718	526	71	•	•	NOUN
easat-2718	526	72	4	4	NUM
easat-2718	526	73	:	:	PUNCT
easat-2718	526	74	full	full	ADJ
easat-2718	526	75	/	/	PUNCT
easat-2718	526	76	completed	complete	VERB
easat-2718	526	77	(	(	PUNCT
easat-2718	526	78	100	100	NUM
easat-2718	526	79	%	%	NOUN
easat-2718	526	80	)	)	PUNCT
easat-2718	526	81	.	.	PUNCT
easat-2718	527	1	no	no	DET
easat-2718	527	2	contents	content	NOUN
easat-2718	527	3	scales	scale	VERB
easat-2718	527	4	your	your	PRON
easat-2718	527	5	answer	answer	NOUN
easat-2718	527	6	1	1	NUM
easat-2718	527	7	fully	fully	ADV
easat-2718	527	8	issue	issue	VERB
easat-2718	527	9	irrbb	irrbb	NOUN
easat-2718	527	10	regulations	regulation	NOUN
easat-2718	527	11	and	and	CCONJ
easat-2718	527	12	internal	internal	ADJ
easat-2718	527	13	processes	process	NOUN
easat-2718	527	14	(	(	PUNCT
easat-2718	527	15	0	0	NUM
easat-2718	527	16	-	-	SYM
easat-2718	527	17	4	4	NUM
easat-2718	527	18	)	)	PUNCT
easat-2718	527	19	2	2	NUM
easat-2718	527	20	define	define	VERB
easat-2718	527	21	risk	risk	NOUN
easat-2718	527	22	appetite	appetite	NOUN
easat-2718	527	23	for	for	ADP
easat-2718	527	24	irrbb	irrbb	NOUN
easat-2718	527	25	(	(	PUNCT
easat-2718	527	26	0	0	NUM
easat-2718	527	27	-	-	SYM
easat-2718	527	28	4	4	NUM
easat-2718	527	29	)	)	PUNCT
easat-2718	527	30	3	3	NUM
easat-2718	527	31	implement	implement	VERB
easat-2718	527	32	irrbb	irrbb	NOUN
easat-2718	527	33	management	management	NOUN
easat-2718	527	34	:	:	PUNCT
easat-2718	527	35	3.1	3.1	NUM
easat-2718	527	36	+	+	CCONJ
easat-2718	527	37	identify	identify	VERB
easat-2718	527	38	irrbb	irrbb	NOUN
easat-2718	527	39	(	(	PUNCT
easat-2718	527	40	0	0	NUM
easat-2718	527	41	-	-	SYM
easat-2718	527	42	4	4	NUM
easat-2718	527	43	)	)	PUNCT
easat-2718	527	44	3.2	3.2	NUM
easat-2718	528	1	+	+	NUM
easat-2718	528	2	measure	measure	NOUN
easat-2718	528	3	irrbb	irrbb	NOUN
easat-2718	528	4	(	(	PUNCT
easat-2718	528	5	0	0	NUM
easat-2718	528	6	-	-	SYM
easat-2718	528	7	4	4	NUM
easat-2718	528	8	)	)	PUNCT
easat-2718	528	9	3.3	3.3	NUM
easat-2718	528	10	+	+	CCONJ
easat-2718	528	11	monitor	monitor	NOUN
easat-2718	528	12	and	and	CCONJ
easat-2718	528	13	control	control	NOUN
easat-2718	528	14	irrbb	irrbb	PROPN
easat-2718	528	15	(	(	PUNCT
easat-2718	528	16	0	0	NUM
easat-2718	528	17	-	-	SYM
easat-2718	528	18	4	4	NUM
easat-2718	528	19	)	)	PUNCT
easat-2718	528	20	4	4	NUM
easat-2718	528	21	report	report	NOUN
easat-2718	528	22	irrbb	irrbb	NOUN
easat-2718	528	23	(	(	PUNCT
easat-2718	528	24	0	0	NUM
easat-2718	528	25	-	-	SYM
easat-2718	528	26	4	4	NUM
easat-2718	528	27	)	)	PUNCT
easat-2718	528	28	5	5	NUM
easat-2718	528	29	measure	measure	NOUN
easat-2718	528	30	adequate	adequate	ADJ
easat-2718	528	31	capital	capital	NOUN
easat-2718	528	32	for	for	ADP
easat-2718	528	33	irrbb	irrbb	NOUN
easat-2718	528	34	(	(	PUNCT
easat-2718	528	35	0	0	NUM
easat-2718	528	36	-	-	SYM
easat-2718	528	37	4	4	NUM
easat-2718	528	38	)	)	PUNCT
easat-2718	528	39	9	9	NUM
easat-2718	528	40	.	.	PUNCT
easat-2718	528	41	has	have	AUX
easat-2718	528	42	your	your	PRON
easat-2718	528	43	bank	bank	NOUN
easat-2718	528	44	measured	measure	VERB
easat-2718	528	45	irrbb	irrbb	NOUN
easat-2718	528	46	properly	properly	ADV
easat-2718	528	47	?	?	PUNCT
easat-2718	529	1	a.	a.	NOUN
easat-2718	529	2	not	not	PART
easat-2718	529	3	yet	yet	ADV
easat-2718	529	4	b.	b.	PROPN
easat-2718	529	5	ongoing	ongoing	ADJ
easat-2718	529	6	research	research	NOUN
easat-2718	529	7	c.	c.	PROPN
easat-2718	530	1	yes	yes	INTJ
easat-2718	530	2	if	if	SCONJ
easat-2718	530	3	you	you	PRON
easat-2718	530	4	choose	choose	VERB
easat-2718	530	5	a	a	DET
easat-2718	530	6	,	,	PUNCT
easat-2718	530	7	move	move	NOUN
easat-2718	530	8	to	to	PART
easat-2718	530	9	question	question	VERB
easat-2718	530	10	9	9	NUM
easat-2718	530	11	if	if	SCONJ
easat-2718	530	12	you	you	PRON
easat-2718	530	13	choose	choose	VERB
easat-2718	530	14	b	b	NUM
easat-2718	530	15	,	,	PUNCT
easat-2718	530	16	c	c	PROPN
easat-2718	530	17	moves	move	NOUN
easat-2718	530	18	to	to	PART
easat-2718	530	19	question	question	VERB
easat-2718	530	20	9.1	9.1	NUM
easat-2718	530	21	9.1	9.1	NUM
easat-2718	530	22	.	.	PUNCT
easat-2718	531	1	which	which	DET
easat-2718	531	2	part	part	NOUN
easat-2718	531	3	of	of	ADP
easat-2718	531	4	your	your	PRON
easat-2718	531	5	bank	bank	NOUN
easat-2718	531	6	is	be	AUX
easat-2718	531	7	in	in	ADP
easat-2718	531	8	charge	charge	NOUN
easat-2718	531	9	of	of	ADP
easat-2718	531	10	identifying	identify	VERB
easat-2718	531	11	and	and	CCONJ
easat-2718	531	12	measuring	measure	VERB
easat-2718	531	13	irrbb	irrbb	NOUN
easat-2718	531	14	?	?	PUNCT
easat-2718	532	1	a.	a.	PROPN
easat-2718	532	2	alco	alco	PROPN
easat-2718	532	3	b.	b.	PROPN
easat-2718	532	4	department	department	PROPN
easat-2718	532	5	of	of	ADP
easat-2718	532	6	treasury	treasury	PROPN
easat-2718	532	7	c.	c.	PROPN
easat-2718	532	8	other	other	ADJ
easat-2718	532	9	:	:	PUNCT
easat-2718	532	10	…	…	PUNCT
easat-2718	532	11	……	……	NOUN
easat-2718	532	12	……	……	NOUN
easat-2718	532	13	.....................................................................................................	.....................................................................................................	PUNCT
easat-2718	532	14	3379	3379	NUM
easat-2718	532	15	edelweiss	edelweiss	PROPN
easat-2718	532	16	applied	apply	VERB
easat-2718	532	17	science	science	NOUN
easat-2718	532	18	and	and	CCONJ
easat-2718	532	19	technology	technology	NOUN
easat-2718	532	20	issn	issn	PROPN
easat-2718	532	21	:	:	PUNCT
easat-2718	532	22	2576	2576	NUM
easat-2718	532	23	-	-	SYM
easat-2718	532	24	8484	8484	NUM
easat-2718	532	25	vol	vol	NOUN
easat-2718	532	26	.	.	PROPN
easat-2718	533	1	8	8	NUM
easat-2718	533	2	,	,	PUNCT
easat-2718	533	3	no	no	INTJ
easat-2718	533	4	.	.	NOUN
easat-2718	534	1	6	6	NUM
easat-2718	534	2	:	:	PUNCT
easat-2718	534	3	3361	3361	NUM
easat-2718	534	4	-	-	SYM
easat-2718	534	5	3380	3380	NUM
easat-2718	534	6	,	,	PUNCT
easat-2718	534	7	2024	2024	NUM
easat-2718	534	8	doi	doi	NOUN
easat-2718	534	9	:	:	PUNCT
easat-2718	534	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	534	11	©	©	PROPN
easat-2718	534	12	2024	2024	NUM
easat-2718	534	13	by	by	ADP
easat-2718	534	14	the	the	DET
easat-2718	534	15	authors	author	NOUN
easat-2718	534	16	;	;	PUNCT
easat-2718	534	17	licensee	licensee	PROPN
easat-2718	534	18	learning	learning	NOUN
easat-2718	534	19	gate	gate	NOUN
easat-2718	534	20	9.2	9.2	NUM
easat-2718	534	21	.	.	PUNCT
easat-2718	535	1	which	which	DET
easat-2718	535	2	approach	approach	NOUN
easat-2718	535	3	has	have	AUX
easat-2718	535	4	been	be	AUX
easat-2718	535	5	used	use	VERB
easat-2718	535	6	to	to	PART
easat-2718	535	7	measure	measure	VERB
easat-2718	535	8	irrbb	irrbb	NOUN
easat-2718	535	9	in	in	ADP
easat-2718	535	10	your	your	PRON
easat-2718	535	11	bank	bank	NOUN
easat-2718	535	12	?	?	PUNCT
easat-2718	536	1	a.	a.	NOUN
easat-2718	536	2	repricing	repricing	NOUN
easat-2718	536	3	gap	gap	PROPN
easat-2718	536	4	b.	b.	PROPN
easat-2718	536	5	eve	eve	PROPN
easat-2718	536	6	c.	c.	PROPN
easat-2718	536	7	duration	duration	NOUN
easat-2718	536	8	gap	gap	NOUN
easat-2718	536	9	d.	d.	PROPN
easat-2718	536	10	var	var	PROPN
easat-2718	536	11	e.	e.	PROPN
easat-2718	536	12	other	other	PROPN
easat-2718	536	13	:	:	PUNCT
easat-2718	536	14	…	…	PUNCT
easat-2718	536	15	……	……	NOUN
easat-2718	536	16	……	……	NOUN
easat-2718	536	17	.....................................................................................................	.....................................................................................................	PUNCT
easat-2718	536	18	9.3	9.3	NUM
easat-2718	536	19	.	.	PUNCT
easat-2718	537	1	which	which	DET
easat-2718	537	2	indicators	indicator	NOUN
easat-2718	537	3	have	have	AUX
easat-2718	537	4	been	be	AUX
easat-2718	537	5	used	use	VERB
easat-2718	537	6	to	to	PART
easat-2718	537	7	measure	measure	VERB
easat-2718	537	8	the	the	DET
easat-2718	537	9	impact	impact	NOUN
easat-2718	537	10	of	of	ADP
easat-2718	537	11	interest	interest	NOUN
easat-2718	537	12	rate	rate	NOUN
easat-2718	537	13	changes	change	NOUN
easat-2718	537	14	on	on	ADP
easat-2718	537	15	the	the	DET
easat-2718	537	16	banking	banking	NOUN
easat-2718	537	17	book	book	NOUN
easat-2718	537	18	in	in	ADP
easat-2718	537	19	your	your	PRON
easat-2718	537	20	bank	bank	NOUN
easat-2718	537	21	?	?	PUNCT
easat-2718	538	1	a.	a.	NOUN
easat-2718	538	2	changes	change	NOUN
easat-2718	538	3	in	in	ADP
easat-2718	538	4	net	net	ADJ
easat-2718	538	5	interest	interest	NOUN
easat-2718	538	6	income	income	NOUN
easat-2718	538	7	(	(	PUNCT
easat-2718	538	8	∆nii	∆nii	PRON
easat-2718	538	9	)	)	PUNCT
easat-2718	538	10	b.	b.	NOUN
easat-2718	538	11	changes	change	NOUN
easat-2718	538	12	in	in	ADP
easat-2718	538	13	the	the	DET
easat-2718	538	14	economic	economic	ADJ
easat-2718	538	15	value	value	NOUN
easat-2718	538	16	of	of	ADP
easat-2718	538	17	equity	equity	NOUN
easat-2718	538	18	(	(	PUNCT
easat-2718	538	19	∆eve	∆eve	NOUN
easat-2718	538	20	)	)	PUNCT
easat-2718	538	21	c.	c.	PROPN
easat-2718	539	1	both	both	CCONJ
easat-2718	539	2	d.	d.	PROPN
easat-2718	539	3	other	other	ADJ
easat-2718	539	4	:	:	PUNCT
easat-2718	539	5	…	…	PUNCT
easat-2718	539	6	……	……	NOUN
easat-2718	539	7	……	……	NOUN
easat-2718	539	8	.....................................................................................................	.....................................................................................................	X
easat-2718	539	9	10	10	NUM
easat-2718	539	10	.	.	PUNCT
easat-2718	540	1	has	have	AUX
easat-2718	540	2	your	your	PRON
easat-2718	540	3	bank	bank	NOUN
easat-2718	540	4	adopted	adopt	VERB
easat-2718	540	5	the	the	DET
easat-2718	540	6	irrbb	irrbb	NOUN
easat-2718	540	7	stress	stress	NOUN
easat-2718	540	8	test	test	NOUN
easat-2718	540	9	?	?	PUNCT
easat-2718	541	1	a.	a.	NOUN
easat-2718	541	2	not	not	PART
easat-2718	541	3	yet	yet	ADV
easat-2718	541	4	b.	b.	PROPN
easat-2718	541	5	ongoing	ongoing	ADJ
easat-2718	541	6	research	research	NOUN
easat-2718	541	7	c.	c.	PROPN
easat-2718	542	1	yes	yes	INTJ
easat-2718	542	2	if	if	SCONJ
easat-2718	542	3	you	you	PRON
easat-2718	542	4	choose	choose	VERB
easat-2718	542	5	a	a	PRON
easat-2718	542	6	,	,	PUNCT
easat-2718	542	7	please	please	INTJ
easat-2718	542	8	move	move	VERB
easat-2718	542	9	to	to	ADP
easat-2718	542	10	11	11	NUM
easat-2718	542	11	.	.	PUNCT
easat-2718	543	1	if	if	SCONJ
easat-2718	543	2	you	you	PRON
easat-2718	543	3	choose	choose	VERB
easat-2718	543	4	b	b	NOUN
easat-2718	543	5	or	or	CCONJ
easat-2718	543	6	c	c	NOUN
easat-2718	543	7	,	,	PUNCT
easat-2718	543	8	please	please	INTJ
easat-2718	543	9	move	move	VERB
easat-2718	543	10	to	to	ADP
easat-2718	543	11	10.1	10.1	NUM
easat-2718	543	12	10.1	10.1	NUM
easat-2718	543	13	.	.	PUNCT
easat-2718	544	1	please	please	INTJ
easat-2718	544	2	describe	describe	VERB
easat-2718	544	3	the	the	DET
easat-2718	544	4	scenarios	scenario	NOUN
easat-2718	544	5	applying	apply	VERB
easat-2718	544	6	in	in	ADP
easat-2718	544	7	the	the	DET
easat-2718	544	8	irrbb	irrbb	NOUN
easat-2718	544	9	stress	stress	NOUN
easat-2718	544	10	test	test	NOUN
easat-2718	544	11	in	in	ADP
easat-2718	544	12	your	your	PRON
easat-2718	544	13	bank	bank	NOUN
easat-2718	544	14	.	.	PUNCT
easat-2718	545	1	types	type	NOUN
easat-2718	545	2	of	of	ADP
easat-2718	545	3	scenarios	scenario	NOUN
easat-2718	545	4	describe	describe	VERB
easat-2718	545	5	briefly	briefly	ADV
easat-2718	545	6	the	the	DET
easat-2718	545	7	scenarios	scenario	NOUN
easat-2718	545	8	.	.	PUNCT
easat-2718	546	1	types	type	NOUN
easat-2718	546	2	of	of	ADP
easat-2718	546	3	scenarios	scenario	NOUN
easat-2718	546	4	:	:	PUNCT
easat-2718	546	5	(	(	PUNCT
easat-2718	546	6	i	i	NOUN
easat-2718	546	7	)	)	PUNCT
easat-2718	546	8	historical	historical	ADJ
easat-2718	546	9	scenarios	scenario	NOUN
easat-2718	546	10	,	,	PUNCT
easat-2718	546	11	(	(	PUNCT
easat-2718	546	12	ii	ii	NOUN
easat-2718	546	13	)	)	PUNCT
easat-2718	546	14	hypothetical	hypothetical	ADJ
easat-2718	546	15	scenarios	scenario	NOUN
easat-2718	546	16	,	,	PUNCT
easat-2718	546	17	(	(	PUNCT
easat-2718	546	18	iii	iii	X
easat-2718	546	19	)	)	PUNCT
easat-2718	546	20	others	other	NOUN
easat-2718	546	21	11	11	NUM
easat-2718	546	22	.	.	PUNCT
easat-2718	547	1	what	what	PRON
easat-2718	547	2	tool	tool	NOUN
easat-2718	547	3	has	have	VERB
easat-2718	547	4	your	your	PRON
easat-2718	547	5	bank	bank	NOUN
easat-2718	547	6	used	use	VERB
easat-2718	547	7	to	to	PART
easat-2718	547	8	control	control	VERB
easat-2718	547	9	irrbb	irrbb	NOUN
easat-2718	547	10	?	?	PUNCT
easat-2718	548	1	a.	a.	NOUN
easat-2718	548	2	∆nii	∆nii	PRON
easat-2718	548	3	b.	b.	PROPN
easat-2718	548	4	∆eve	∆eve	PROPN
easat-2718	548	5	c.	c.	PROPN
easat-2718	548	6	others	other	NOUN
easat-2718	548	7	:	:	PUNCT
easat-2718	548	8	…	…	PUNCT
easat-2718	548	9	……	……	NOUN
easat-2718	548	10	……	……	NOUN
easat-2718	548	11	.....................................................................................................	.....................................................................................................	X
easat-2718	548	12	12	12	NUM
easat-2718	548	13	.	.	PUNCT
easat-2718	549	1	please	please	INTJ
easat-2718	549	2	describe	describe	VERB
easat-2718	549	3	the	the	DET
easat-2718	549	4	roles	role	NOUN
easat-2718	549	5	of	of	ADP
easat-2718	549	6	your	your	PRON
easat-2718	549	7	bank	bank	NOUN
easat-2718	549	8	's	's	PART
easat-2718	549	9	senior	senior	ADJ
easat-2718	549	10	management	management	NOUN
easat-2718	549	11	,	,	PUNCT
easat-2718	549	12	committees	committee	NOUN
easat-2718	549	13	,	,	PUNCT
easat-2718	549	14	and	and	CCONJ
easat-2718	549	15	related	related	ADJ
easat-2718	549	16	departments	department	NOUN
easat-2718	549	17	concerning	concern	VERB
easat-2718	549	18	irrbb	irrbb	PROPN
easat-2718	549	19	management	management	NOUN
easat-2718	549	20	.	.	PUNCT
easat-2718	550	1	no	no	DET
easat-2718	550	2	levels	level	NOUN
easat-2718	550	3	of	of	ADP
easat-2718	550	4	authority	authority	NOUN
easat-2718	550	5	functions	function	NOUN
easat-2718	550	6	1	1	NUM
easat-2718	550	7	board	board	NOUN
easat-2718	550	8	of	of	ADP
easat-2718	550	9	directors	director	NOUN
easat-2718	550	10	2	2	NUM
easat-2718	550	11	risk	risk	NOUN
easat-2718	550	12	management	management	NOUN
easat-2718	550	13	committee	committee	NOUN
easat-2718	550	14	3	3	NUM
easat-2718	550	15	alco	alco	NOUN
easat-2718	550	16	4	4	NUM
easat-2718	550	17	ceo	ceo	NOUN
easat-2718	550	18	5	5	NUM
easat-2718	550	19	department	department	NOUN
easat-2718	550	20	of	of	ADP
easat-2718	550	21	risk	risk	NOUN
easat-2718	550	22	management	management	NOUN
easat-2718	550	23	6	6	NUM
easat-2718	550	24	treasury	treasury	PROPN
easat-2718	550	25	(	(	PUNCT
easat-2718	550	26	alm	alm	NOUN
easat-2718	550	27	)	)	PUNCT
easat-2718	550	28	7	7	NUM
easat-2718	550	29	department	department	NOUN
easat-2718	550	30	of	of	ADP
easat-2718	550	31	sales	sale	NOUN
easat-2718	550	32	8	8	NUM
easat-2718	550	33	internal	internal	ADJ
easat-2718	550	34	control	control	NOUN
easat-2718	550	35	and	and	CCONJ
easat-2718	550	36	supervisory	supervisory	ADJ
easat-2718	550	37	board	board	NOUN
easat-2718	550	38	9	9	NUM
easat-2718	550	39	department	department	NOUN
easat-2718	550	40	of	of	ADP
easat-2718	550	41	compliance	compliance	NOUN
easat-2718	550	42	and	and	CCONJ
easat-2718	550	43	legal	legal	ADJ
easat-2718	550	44	10	10	NUM
easat-2718	550	45	department	department	NOUN
easat-2718	550	46	of	of	ADP
easat-2718	550	47	finance	finance	NOUN
easat-2718	550	48	and	and	CCONJ
easat-2718	550	49	accounting	account	VERB
easat-2718	550	50	11	11	NUM
easat-2718	550	51	department	department	NOUN
easat-2718	550	52	of	of	ADP
easat-2718	550	53	technology	technology	NOUN
easat-2718	550	54	12	12	NUM
easat-2718	550	55	internal	internal	ADJ
easat-2718	550	56	audit	audit	NOUN
easat-2718	550	57	13	13	NUM
easat-2718	550	58	.	.	PUNCT
easat-2718	551	1	your	your	PRON
easat-2718	551	2	bank	bank	NOUN
easat-2718	551	3	's	's	PART
easat-2718	551	4	irrbb	irrbb	NOUN
easat-2718	551	5	reports	report	NOUN
easat-2718	551	6	have	have	AUX
easat-2718	551	7	been	be	AUX
easat-2718	551	8	submitted	submit	VERB
easat-2718	551	9	to	to	ADP
easat-2718	551	10	a.	a.	NOUN
easat-2718	551	11	board	board	PROPN
easat-2718	551	12	of	of	ADP
easat-2718	551	13	directors	directors	PROPN
easat-2718	551	14	b.	b.	PROPN
easat-2718	552	1	senior	senior	ADJ
easat-2718	552	2	management	management	PROPN
easat-2718	552	3	c.	c.	PROPN
easat-2718	552	4	department	department	PROPN
easat-2718	552	5	of	of	ADP
easat-2718	552	6	sales	sales	PROPN
easat-2718	552	7	d.	d.	PROPN
easat-2718	552	8	department	department	PROPN
easat-2718	552	9	of	of	ADP
easat-2718	552	10	compliance	compliance	PROPN
easat-2718	552	11	đ	đ	PROPN
easat-2718	552	12	.	.	PUNCT
easat-2718	552	13	department	department	PROPN
easat-2718	552	14	of	of	ADP
easat-2718	552	15	risk	risk	NOUN
easat-2718	552	16	e.	e.	PROPN
easat-2718	552	17	other	other	ADJ
easat-2718	552	18	:	:	PUNCT
easat-2718	552	19	……	……	NOUN
easat-2718	552	20	……	……	NOUN
easat-2718	552	21	……	……	NOUN
easat-2718	552	22	.....................................................................................................	.....................................................................................................	NOUN
easat-2718	552	23	14	14	NUM
easat-2718	552	24	.	.	PUNCT
easat-2718	553	1	what	what	PRON
easat-2718	553	2	difficulties	difficulty	NOUN
easat-2718	553	3	has	have	VERB
easat-2718	553	4	your	your	PRON
easat-2718	553	5	bank	bank	NOUN
easat-2718	553	6	faced	face	VERB
easat-2718	553	7	in	in	ADP
easat-2718	553	8	implementing	implement	VERB
easat-2718	553	9	irrbb	irrbb	NOUN
easat-2718	553	10	management	management	NOUN
easat-2718	553	11	?	?	PUNCT
easat-2718	554	1	a.	a.	NOUN
easat-2718	554	2	unclear	unclear	ADJ
easat-2718	554	3	perspective	perspective	NOUN
easat-2718	554	4	for	for	ADP
easat-2718	554	5	implementing	implement	VERB
easat-2718	554	6	irrbb	irrbb	NOUN
easat-2718	554	7	management	management	NOUN
easat-2718	554	8	and	and	CCONJ
easat-2718	554	9	lack	lack	NOUN
easat-2718	554	10	of	of	ADP
easat-2718	554	11	support	support	NOUN
easat-2718	554	12	from	from	ADP
easat-2718	554	13	senior	senior	ADJ
easat-2718	554	14	leaders	leader	NOUN
easat-2718	554	15	b.	b.	NOUN
easat-2718	554	16	lack	lack	NOUN
easat-2718	554	17	of	of	ADP
easat-2718	554	18	data	datum	NOUN
easat-2718	554	19	system	system	NOUN
easat-2718	554	20	and	and	CCONJ
easat-2718	554	21	technology	technology	NOUN
easat-2718	554	22	infrastructure	infrastructure	NOUN
easat-2718	554	23	3380	3380	NUM
easat-2718	554	24	edelweiss	edelweiss	PROPN
easat-2718	554	25	applied	apply	VERB
easat-2718	554	26	science	science	NOUN
easat-2718	554	27	and	and	CCONJ
easat-2718	554	28	technology	technology	NOUN
easat-2718	554	29	issn	issn	PROPN
easat-2718	554	30	:	:	PUNCT
easat-2718	554	31	2576	2576	NUM
easat-2718	554	32	-	-	SYM
easat-2718	554	33	8484	8484	NUM
easat-2718	554	34	vol	vol	NOUN
easat-2718	554	35	.	.	PROPN
easat-2718	554	36	8	8	NUM
easat-2718	554	37	,	,	PUNCT
easat-2718	554	38	no	no	INTJ
easat-2718	554	39	.	.	NOUN
easat-2718	555	1	6	6	NUM
easat-2718	555	2	:	:	PUNCT
easat-2718	555	3	3361	3361	NUM
easat-2718	555	4	-	-	SYM
easat-2718	555	5	3380	3380	NUM
easat-2718	555	6	,	,	PUNCT
easat-2718	555	7	2024	2024	NUM
easat-2718	555	8	doi	doi	NOUN
easat-2718	555	9	:	:	PUNCT
easat-2718	555	10	10.55214/25768484.v8i6.2718	10.55214/25768484.v8i6.2718	NUM
easat-2718	555	11	©	©	PROPN
easat-2718	555	12	2024	2024	NUM
easat-2718	555	13	by	by	ADP
easat-2718	555	14	the	the	DET
easat-2718	555	15	authors	author	NOUN
easat-2718	555	16	;	;	PUNCT
easat-2718	555	17	licensee	licensee	PROPN
easat-2718	555	18	learning	learning	PROPN
easat-2718	555	19	gate	gate	PROPN
easat-2718	555	20	c.	c.	PROPN
easat-2718	555	21	difficulties	difficulty	NOUN
easat-2718	555	22	in	in	ADP
easat-2718	555	23	developing	develop	VERB
easat-2718	555	24	risk	risk	NOUN
easat-2718	555	25	models	model	NOUN
easat-2718	555	26	,	,	PUNCT
easat-2718	555	27	selecting	select	VERB
easat-2718	555	28	risk	risk	NOUN
easat-2718	555	29	assessment	assessment	NOUN
easat-2718	555	30	tools	tool	NOUN
easat-2718	555	31	,	,	PUNCT
easat-2718	555	32	and	and	CCONJ
easat-2718	555	33	calculating	calculate	VERB
easat-2718	555	34	capital	capital	NOUN
easat-2718	555	35	adequacy	adequacy	NOUN
easat-2718	555	36	d.	d.	AUX
easat-2718	555	37	high	high	ADV
easat-2718	555	38	implementing	implement	VERB
easat-2718	555	39	cost	cost	PROPN
easat-2718	555	40	e.	e.	PROPN
easat-2718	555	41	high	high	PROPN
easat-2718	555	42	cost	cost	NOUN
easat-2718	555	43	to	to	PART
easat-2718	555	44	meet	meet	VERB
easat-2718	555	45	capital	capital	NOUN
easat-2718	555	46	adequacy	adequacy	NOUN
easat-2718	555	47	f.	f.	NOUN
easat-2718	555	48	lack	lack	NOUN
easat-2718	555	49	of	of	ADP
easat-2718	555	50	quality	quality	NOUN
easat-2718	555	51	human	human	ADJ
easat-2718	555	52	resources	resource	NOUN
easat-2718	555	53	in	in	ADP
easat-2718	555	54	this	this	DET
easat-2718	555	55	field	field	NOUN
easat-2718	555	56	g.	g.	PROPN
easat-2718	555	57	incomplete	incomplete	PROPN
easat-2718	555	58	sbv	sbv	PROPN
easat-2718	555	59	guidelines	guidelines	PROPN
easat-2718	555	60	h.	h.	PROPN
easat-2718	555	61	others	other	NOUN
easat-2718	555	62	:	:	PUNCT
easat-2718	555	63	……	……	NOUN
easat-2718	555	64	……	……	NOUN
easat-2718	555	65	……	……	NOUN
easat-2718	555	66	.....................................................................................................	.....................................................................................................	PUNCT