id	sid	tid	token	lemma	pos
easat-3760	1	1	edelweiss	edelweiss	PROPN
easat-3760	1	2	applied	apply	VERB
easat-3760	1	3	science	science	NOUN
easat-3760	1	4	and	and	CCONJ
easat-3760	1	5	technology	technology	NOUN
easat-3760	1	6	issn	issn	PROPN
easat-3760	1	7	:	:	PUNCT
easat-3760	1	8	2576	2576	NUM
easat-3760	1	9	-	-	SYM
easat-3760	1	10	8484	8484	NUM
easat-3760	1	11	vol	vol	NOUN
easat-3760	1	12	.	.	PROPN
easat-3760	1	13	8	8	NUM
easat-3760	1	14	,	,	PUNCT
easat-3760	1	15	no	no	INTJ
easat-3760	1	16	.	.	NOUN
easat-3760	1	17	6	6	NUM
easat-3760	1	18	,	,	PUNCT
easat-3760	1	19	8168	8168	NUM
easat-3760	1	20	-	-	SYM
easat-3760	1	21	8188	8188	NUM
easat-3760	1	22	2024	2024	NUM
easat-3760	1	23	publisher	publisher	NOUN
easat-3760	1	24	:	:	PUNCT
easat-3760	1	25	learning	learn	VERB
easat-3760	1	26	gate	gate	NOUN
easat-3760	1	27	doi	doi	PROPN
easat-3760	1	28	:	:	PUNCT
easat-3760	1	29	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	1	30	©	©	PROPN
easat-3760	1	31	2024	2024	NUM
easat-3760	1	32	by	by	ADP
easat-3760	1	33	the	the	DET
easat-3760	1	34	authors	author	NOUN
easat-3760	1	35	;	;	PUNCT
easat-3760	1	36	licensee	licensee	PROPN
easat-3760	1	37	learning	learning	NOUN
easat-3760	1	38	gate	gate	NOUN
easat-3760	1	39	©	©	PROPN
easat-3760	1	40	2024	2024	NUM
easat-3760	1	41	by	by	ADP
easat-3760	1	42	the	the	DET
easat-3760	1	43	authors	author	NOUN
easat-3760	1	44	;	;	PUNCT
easat-3760	1	45	licensee	licensee	PROPN
easat-3760	1	46	learning	learn	VERB
easat-3760	1	47	gate	gate	NOUN
easat-3760	1	48	*	*	PUNCT
easat-3760	1	49	correspondence	correspondence	NOUN
easat-3760	1	50	:	:	PUNCT
easat-3760	2	1	erwinhadisantoso79@gmail.com	erwinhadisantoso79@gmail.com	X
easat-3760	2	2	comparative	comparative	ADJ
easat-3760	2	3	analysis	analysis	NOUN
easat-3760	2	4	of	of	ADP
easat-3760	2	5	financial	financial	ADJ
easat-3760	2	6	performance	performance	NOUN
easat-3760	2	7	during	during	ADP
easat-3760	2	8	and	and	CCONJ
easat-3760	2	9	after	after	ADP
easat-3760	2	10	the	the	DET
easat-3760	2	11	covid19	covid19	NOUN
easat-3760	2	12	pandemic	pandemic	ADJ
easat-3760	2	13	:	:	PUNCT
easat-3760	2	14	study	study	NOUN
easat-3760	2	15	of	of	ADP
easat-3760	2	16	state	state	NOUN
easat-3760	2	17	-	-	PUNCT
easat-3760	2	18	owned	own	VERB
easat-3760	2	19	banks	bank	NOUN
easat-3760	2	20	listed	list	VERB
easat-3760	2	21	in	in	ADP
easat-3760	2	22	the	the	DET
easat-3760	2	23	kompas	kompas	PROPN
easat-3760	2	24	100	100	NUM
easat-3760	2	25	index	index	NOUN
easat-3760	2	26	erwin	erwin	PROPN
easat-3760	2	27	hadisantoso1	hadisantoso1	PROPN
easat-3760	2	28	*	*	PROPN
easat-3760	2	29	,	,	PUNCT
easat-3760	2	30	la	la	PRON
easat-3760	2	31	ode	ode	PROPN
easat-3760	2	32	anto2	anto2	PROPN
easat-3760	2	33	,	,	PUNCT
easat-3760	2	34	arifuddin3	arifuddin3	PROPN
easat-3760	2	35	,	,	PUNCT
easat-3760	2	36	andi	andi	PROPN
easat-3760	2	37	muhammad	muhammad	PROPN
easat-3760	2	38	fuad	fuad	PROPN
easat-3760	2	39	r4	r4	PROPN
easat-3760	2	40	,	,	PUNCT
easat-3760	3	1	si	si	PROPN
easat-3760	3	2	made	make	VERB
easat-3760	3	3	ngurah	ngurah	PROPN
easat-3760	3	4	purnaman5	purnaman5	PROPN
easat-3760	3	5	,	,	PUNCT
easat-3760	3	6	nurul	nurul	PROPN
easat-3760	3	7	ariyfatun6	ariyfatun6	PROPN
easat-3760	3	8	,	,	PUNCT
easat-3760	3	9	gorethi	gorethi	ADJ
easat-3760	3	10	adelia7	adelia7	PROPN
easat-3760	3	11	1,2,3,4,5,6,7halu	1,2,3,4,5,6,7halu	PROPN
easat-3760	3	12	oleo	oleo	PROPN
easat-3760	3	13	university	university	PROPN
easat-3760	3	14	,	,	PUNCT
easat-3760	3	15	kendari	kendari	PROPN
easat-3760	3	16	,	,	PUNCT
easat-3760	3	17	indonesia	indonesia	PROPN
easat-3760	3	18	;	;	PUNCT
easat-3760	3	19	erwinhadisantoso79@gmail.com	erwinhadisantoso79@gmail.com	PROPN
easat-3760	3	20	(	(	PUNCT
easat-3760	3	21	e.h	e.h	PROPN
easat-3760	3	22	.	.	PROPN
easat-3760	3	23	)	)	PUNCT
easat-3760	3	24	.	.	PUNCT
easat-3760	4	1	abstract	abstract	ADV
easat-3760	4	2	:	:	PUNCT
easat-3760	4	3	this	this	DET
easat-3760	4	4	study	study	NOUN
easat-3760	4	5	aims	aim	VERB
easat-3760	4	6	to	to	PART
easat-3760	4	7	analyze	analyze	VERB
easat-3760	4	8	the	the	DET
easat-3760	4	9	financial	financial	ADJ
easat-3760	4	10	performance	performance	NOUN
easat-3760	4	11	of	of	ADP
easat-3760	4	12	state	state	NOUN
easat-3760	4	13	-	-	PUNCT
easat-3760	4	14	owned	own	VERB
easat-3760	4	15	enterprises	enterprise	NOUN
easat-3760	4	16	(	(	PUNCT
easat-3760	4	17	bumn	bumn	NOUN
easat-3760	4	18	)	)	PUNCT
easat-3760	4	19	banks	bank	NOUN
easat-3760	4	20	during	during	ADP
easat-3760	4	21	and	and	CCONJ
easat-3760	4	22	after	after	ADP
easat-3760	4	23	the	the	DET
easat-3760	4	24	covid-19	covid-19	PROPN
easat-3760	4	25	pandemic	pandemic	NOUN
easat-3760	4	26	listed	list	VERB
easat-3760	4	27	on	on	ADP
easat-3760	4	28	the	the	DET
easat-3760	4	29	kompas	kompas	PROPN
easat-3760	4	30	100	100	NUM
easat-3760	4	31	index	index	NOUN
easat-3760	4	32	.	.	PUNCT
easat-3760	5	1	the	the	DET
easat-3760	5	2	analysis	analysis	NOUN
easat-3760	5	3	of	of	ADP
easat-3760	5	4	financial	financial	ADJ
easat-3760	5	5	performance	performance	NOUN
easat-3760	5	6	at	at	ADP
easat-3760	5	7	these	these	DET
easat-3760	5	8	banks	bank	NOUN
easat-3760	5	9	uses	use	VERB
easat-3760	5	10	liquidity	liquidity	NOUN
easat-3760	5	11	ratios	ratio	NOUN
easat-3760	5	12	,	,	PUNCT
easat-3760	5	13	solvency	solvency	NOUN
easat-3760	5	14	ratios	ratio	NOUN
easat-3760	5	15	,	,	PUNCT
easat-3760	5	16	profitability	profitability	NOUN
easat-3760	5	17	ratios	ratio	NOUN
easat-3760	5	18	and	and	CCONJ
easat-3760	5	19	nonperforming	nonperforme	VERB
easat-3760	5	20	loan	loan	NOUN
easat-3760	5	21	ratios	ratio	NOUN
easat-3760	5	22	.	.	PUNCT
easat-3760	6	1	the	the	DET
easat-3760	6	2	selection	selection	NOUN
easat-3760	6	3	of	of	ADP
easat-3760	6	4	banks	bank	NOUN
easat-3760	6	5	listed	list	VERB
easat-3760	6	6	on	on	ADP
easat-3760	6	7	the	the	DET
easat-3760	6	8	kompas	kompas	PROPN
easat-3760	6	9	100	100	NUM
easat-3760	6	10	index	index	NOUN
easat-3760	6	11	is	be	AUX
easat-3760	6	12	expected	expect	VERB
easat-3760	6	13	to	to	PART
easat-3760	6	14	be	be	AUX
easat-3760	6	15	able	able	ADJ
easat-3760	6	16	togeneralized	togeneralize	VERB
easat-3760	6	17	to	to	PART
easat-3760	6	18	describe	describe	VERB
easat-3760	6	19	the	the	DET
easat-3760	6	20	overall	overall	ADJ
easat-3760	6	21	financial	financial	ADJ
easat-3760	6	22	performance	performance	NOUN
easat-3760	6	23	of	of	ADP
easat-3760	6	24	banks	bank	NOUN
easat-3760	6	25	listed	list	VERB
easat-3760	6	26	on	on	ADP
easat-3760	6	27	the	the	DET
easat-3760	6	28	indonesia	indonesia	PROPN
easat-3760	6	29	stock	stock	PROPN
easat-3760	6	30	exchange	exchange	PROPN
easat-3760	6	31	(	(	PUNCT
easat-3760	6	32	idx	idx	PROPN
easat-3760	6	33	)	)	PUNCT
easat-3760	6	34	in	in	ADP
easat-3760	6	35	facing	face	VERB
easat-3760	6	36	the	the	DET
easat-3760	6	37	covid-19	covid-19	PROPN
easat-3760	6	38	pandemic	pandemic	NOUN
easat-3760	6	39	.	.	PUNCT
easat-3760	7	1	keywords	keyword	NOUN
easat-3760	7	2	:	:	PUNCT
easat-3760	7	3	banking	bank	VERB
easat-3760	7	4	financial	financial	ADJ
easat-3760	7	5	ratios	ratio	NOUN
easat-3760	7	6	,	,	PUNCT
easat-3760	7	7	covid-19	covid-19	PROPN
easat-3760	7	8	pandemic	pandemic	ADJ
easat-3760	7	9	,	,	PUNCT
easat-3760	7	10	financial	financial	ADJ
easat-3760	7	11	performance	performance	NOUN
easat-3760	7	12	.	.	PUNCT
easat-3760	8	1	1	1	X
easat-3760	8	2	.	.	X
easat-3760	8	3	introduction	introduction	NOUN
easat-3760	8	4	the	the	DET
easat-3760	8	5	covid-19	covid-19	PROPN
easat-3760	8	6	pandemic	pandemic	NOUN
easat-3760	8	7	has	have	AUX
easat-3760	8	8	caused	cause	VERB
easat-3760	8	9	major	major	ADJ
easat-3760	8	10	disruptions	disruption	NOUN
easat-3760	8	11	in	in	ADP
easat-3760	8	12	the	the	DET
easat-3760	8	13	global	global	ADJ
easat-3760	8	14	economy	economy	NOUN
easat-3760	8	15	.	.	PUNCT
easat-3760	9	1	lockdowns	lockdown	NOUN
easat-3760	9	2	,	,	PUNCT
easat-3760	9	3	travel	travel	NOUN
easat-3760	9	4	restrictions	restriction	NOUN
easat-3760	9	5	,	,	PUNCT
easat-3760	9	6	and	and	CCONJ
easat-3760	9	7	reduced	reduce	VERB
easat-3760	9	8	business	business	NOUN
easat-3760	9	9	activity	activity	NOUN
easat-3760	9	10	have	have	AUX
easat-3760	9	11	resulted	result	VERB
easat-3760	9	12	in	in	ADP
easat-3760	9	13	economic	economic	ADJ
easat-3760	9	14	recessions	recession	NOUN
easat-3760	9	15	in	in	ADP
easat-3760	9	16	many	many	ADJ
easat-3760	9	17	countries	country	NOUN
easat-3760	9	18	.	.	PUNCT
easat-3760	10	1	the	the	DET
easat-3760	10	2	impact	impact	NOUN
easat-3760	10	3	has	have	AUX
easat-3760	10	4	been	be	AUX
easat-3760	10	5	particularly	particularly	ADV
easat-3760	10	6	significant	significant	ADJ
easat-3760	10	7	in	in	ADP
easat-3760	10	8	the	the	DET
easat-3760	10	9	financial	financial	ADJ
easat-3760	10	10	sector	sector	NOUN
easat-3760	10	11	,	,	PUNCT
easat-3760	10	12	including	include	VERB
easat-3760	10	13	banking	banking	NOUN
easat-3760	10	14	.	.	PUNCT
easat-3760	11	1	banks	bank	NOUN
easat-3760	11	2	are	be	AUX
easat-3760	11	3	facing	face	VERB
easat-3760	11	4	liquidity	liquidity	NOUN
easat-3760	11	5	challenges	challenge	NOUN
easat-3760	11	6	due	due	ADJ
easat-3760	11	7	to	to	ADP
easat-3760	11	8	increased	increase	VERB
easat-3760	11	9	demand	demand	NOUN
easat-3760	11	10	for	for	ADP
easat-3760	11	11	emergency	emergency	NOUN
easat-3760	11	12	loans	loan	NOUN
easat-3760	11	13	and	and	CCONJ
easat-3760	11	14	reduced	reduce	VERB
easat-3760	11	15	repayment	repayment	NOUN
easat-3760	11	16	capacity	capacity	NOUN
easat-3760	11	17	.	.	PUNCT
easat-3760	12	1	on	on	ADP
easat-3760	12	2	the	the	DET
easat-3760	12	3	other	other	ADJ
easat-3760	12	4	hand	hand	NOUN
easat-3760	12	5	,	,	PUNCT
easat-3760	12	6	credit	credit	NOUN
easat-3760	12	7	risk	risk	NOUN
easat-3760	12	8	has	have	AUX
easat-3760	12	9	increased	increase	VERB
easat-3760	12	10	as	as	ADV
easat-3760	12	11	many	many	ADJ
easat-3760	12	12	borrowers	borrower	NOUN
easat-3760	12	13	are	be	AUX
easat-3760	12	14	struggling	struggle	VERB
easat-3760	12	15	to	to	PART
easat-3760	12	16	repay	repay	VERB
easat-3760	12	17	their	their	PRON
easat-3760	12	18	loans	loan	NOUN
easat-3760	12	19	due	due	ADP
easat-3760	12	20	to	to	ADP
easat-3760	12	21	job	job	NOUN
easat-3760	12	22	losses	loss	NOUN
easat-3760	12	23	or	or	CCONJ
easat-3760	12	24	reduced	reduced	ADJ
easat-3760	12	25	income	income	NOUN
easat-3760	12	26	.	.	PUNCT
easat-3760	13	1	banking	banking	NOUN
easat-3760	13	2	companies	company	NOUN
easat-3760	13	3	are	be	AUX
easat-3760	13	4	one	one	NUM
easat-3760	13	5	of	of	ADP
easat-3760	13	6	the	the	DET
easat-3760	13	7	financial	financial	ADJ
easat-3760	13	8	sub	sub	NOUN
easat-3760	13	9	-	-	NOUN
easat-3760	13	10	sectors	sector	NOUN
easat-3760	13	11	that	that	PRON
easat-3760	13	12	play	play	VERB
easat-3760	13	13	a	a	DET
easat-3760	13	14	strategic	strategic	ADJ
easat-3760	13	15	role	role	NOUN
easat-3760	13	16	in	in	ADP
easat-3760	13	17	economic	economic	ADJ
easat-3760	13	18	activities	activity	NOUN
easat-3760	13	19	.	.	PUNCT
easat-3760	14	1	this	this	PRON
easat-3760	14	2	is	be	AUX
easat-3760	14	3	because	because	SCONJ
easat-3760	14	4	banks	bank	NOUN
easat-3760	14	5	function	function	VERB
easat-3760	14	6	as	as	ADP
easat-3760	14	7	financial	financial	ADJ
easat-3760	14	8	intermediary	intermediary	ADJ
easat-3760	14	9	institutions	institution	NOUN
easat-3760	14	10	,	,	PUNCT
easat-3760	14	11	namely	namely	ADV
easat-3760	14	12	collectors	collector	NOUN
easat-3760	14	13	and	and	CCONJ
easat-3760	14	14	distributors	distributor	NOUN
easat-3760	14	15	of	of	ADP
easat-3760	14	16	public	public	ADJ
easat-3760	14	17	funds	fund	NOUN
easat-3760	14	18	.	.	PUNCT
easat-3760	15	1	the	the	DET
easat-3760	15	2	activities	activity	NOUN
easat-3760	15	3	carried	carry	VERB
easat-3760	15	4	out	out	ADP
easat-3760	15	5	by	by	ADP
easat-3760	15	6	banks	bank	NOUN
easat-3760	15	7	also	also	ADV
easat-3760	15	8	aim	aim	VERB
easat-3760	15	9	to	to	PART
easat-3760	15	10	increase	increase	VERB
easat-3760	15	11	the	the	DET
easat-3760	15	12	equality	equality	NOUN
easat-3760	15	13	of	of	ADP
easat-3760	15	14	economic	economic	ADJ
easat-3760	15	15	growth	growth	NOUN
easat-3760	15	16	and	and	CCONJ
easat-3760	15	17	maintain	maintain	VERB
easat-3760	15	18	national	national	ADJ
easat-3760	15	19	stability	stability	NOUN
easat-3760	15	20	towards	towards	ADP
easat-3760	15	21	increasing	increase	VERB
easat-3760	15	22	the	the	DET
easat-3760	15	23	welfare	welfare	NOUN
easat-3760	15	24	of	of	ADP
easat-3760	15	25	the	the	DET
easat-3760	15	26	people	people	NOUN
easat-3760	15	27	so	so	SCONJ
easat-3760	15	28	that	that	SCONJ
easat-3760	15	29	the	the	DET
easat-3760	15	30	existence	existence	NOUN
easat-3760	15	31	of	of	ADP
easat-3760	15	32	banking	banking	NOUN
easat-3760	15	33	companies	company	NOUN
easat-3760	15	34	during	during	ADP
easat-3760	15	35	the	the	DET
easat-3760	15	36	covid-19	covid-19	PROPN
easat-3760	15	37	pandemic	pandemic	NOUN
easat-3760	15	38	as	as	ADP
easat-3760	15	39	financial	financial	ADJ
easat-3760	15	40	intermediary	intermediary	ADJ
easat-3760	15	41	institutions	institution	NOUN
easat-3760	15	42	(	(	PUNCT
easat-3760	15	43	financial	financial	ADJ
easat-3760	15	44	intermediary	intermediary	ADJ
easat-3760	15	45	institutions	institution	NOUN
easat-3760	15	46	)	)	PUNCT
easat-3760	15	47	become	become	VERB
easat-3760	15	48	important	important	ADJ
easat-3760	15	49	(	(	PUNCT
easat-3760	15	50	maulidia	maulidia	NOUN
easat-3760	15	51	and	and	CCONJ
easat-3760	15	52	wulandari	wulandari	ADJ
easat-3760	15	53	,	,	PUNCT
easat-3760	15	54	2021	2021	NUM
easat-3760	15	55	)	)	PUNCT
easat-3760	15	56	.	.	PUNCT
easat-3760	16	1	however	however	ADV
easat-3760	16	2	,	,	PUNCT
easat-3760	16	3	in	in	ADP
easat-3760	16	4	reality	reality	NOUN
easat-3760	16	5	the	the	DET
easat-3760	16	6	covid-19	covid-19	PROPN
easat-3760	16	7	pandemic	pandemic	NOUN
easat-3760	16	8	has	have	AUX
easat-3760	16	9	also	also	ADV
easat-3760	16	10	had	have	VERB
easat-3760	16	11	an	an	DET
easat-3760	16	12	impact	impact	NOUN
easat-3760	16	13	on	on	ADP
easat-3760	16	14	banking	banking	NOUN
easat-3760	16	15	companies	company	NOUN
easat-3760	16	16	when	when	SCONJ
easat-3760	16	17	viewed	view	VERB
easat-3760	16	18	in	in	ADP
easat-3760	16	19	terms	term	NOUN
easat-3760	16	20	of	of	ADP
easat-3760	16	21	net	net	ADJ
easat-3760	16	22	profit	profit	NOUN
easat-3760	16	23	/	/	SYM
easat-3760	16	24	loss	loss	NOUN
easat-3760	16	25	.	.	PUNCT
easat-3760	17	1	measuring	measure	VERB
easat-3760	17	2	financial	financial	ADJ
easat-3760	17	3	performance	performance	NOUN
easat-3760	17	4	is	be	AUX
easat-3760	17	5	an	an	DET
easat-3760	17	6	important	important	ADJ
easat-3760	17	7	thing	thing	NOUN
easat-3760	17	8	to	to	PART
easat-3760	17	9	do	do	VERB
easat-3760	17	10	,	,	PUNCT
easat-3760	17	11	because	because	SCONJ
easat-3760	17	12	this	this	DET
easat-3760	17	13	measurement	measurement	NOUN
easat-3760	17	14	is	be	AUX
easat-3760	17	15	a	a	DET
easat-3760	17	16	means	means	NOUN
easat-3760	17	17	of	of	ADP
easat-3760	17	18	improving	improve	VERB
easat-3760	17	19	the	the	DET
easat-3760	17	20	company	company	NOUN
easat-3760	17	21	's	's	PART
easat-3760	17	22	operational	operational	ADJ
easat-3760	17	23	activities	activity	NOUN
easat-3760	17	24	.	.	PUNCT
easat-3760	18	1	by	by	ADP
easat-3760	18	2	improving	improve	VERB
easat-3760	18	3	operational	operational	ADJ
easat-3760	18	4	performance	performance	NOUN
easat-3760	18	5	,	,	PUNCT
easat-3760	18	6	it	it	PRON
easat-3760	18	7	is	be	AUX
easat-3760	18	8	hoped	hope	VERB
easat-3760	18	9	that	that	SCONJ
easat-3760	18	10	the	the	DET
easat-3760	18	11	company	company	NOUN
easat-3760	18	12	's	's	PART
easat-3760	18	13	finances	finance	NOUN
easat-3760	18	14	can	can	AUX
easat-3760	18	15	continue	continue	VERB
easat-3760	18	16	to	to	PART
easat-3760	18	17	experience	experience	VERB
easat-3760	18	18	better	well	ADJ
easat-3760	18	19	growth	growth	NOUN
easat-3760	18	20	,	,	PUNCT
easat-3760	18	21	and	and	CCONJ
easat-3760	18	22	can	can	AUX
easat-3760	18	23	compete	compete	VERB
easat-3760	18	24	with	with	ADP
easat-3760	18	25	other	other	ADJ
easat-3760	18	26	companies	company	NOUN
easat-3760	18	27	through	through	ADP
easat-3760	18	28	the	the	DET
easat-3760	18	29	level	level	NOUN
easat-3760	18	30	of	of	ADP
easat-3760	18	31	efficiency	efficiency	NOUN
easat-3760	18	32	and	and	CCONJ
easat-3760	18	33	effectiveness	effectiveness	NOUN
easat-3760	18	34	(	(	PUNCT
easat-3760	18	35	hery	hery	NOUN
easat-3760	18	36	,	,	PUNCT
easat-3760	18	37	2015	2015	NUM
easat-3760	18	38	:	:	PUNCT
easat-3760	18	39	29	29	NUM
easat-3760	18	40	)	)	PUNCT
easat-3760	18	41	.	.	PUNCT
easat-3760	19	1	this	this	DET
easat-3760	19	2	financial	financial	ADJ
easat-3760	19	3	performance	performance	NOUN
easat-3760	19	4	measurement	measurement	NOUN
easat-3760	19	5	is	be	AUX
easat-3760	19	6	carried	carry	VERB
easat-3760	19	7	out	out	ADP
easat-3760	19	8	by	by	ADP
easat-3760	19	9	analyzing	analyze	VERB
easat-3760	19	10	a	a	DET
easat-3760	19	11	company	company	NOUN
easat-3760	19	12	's	's	PART
easat-3760	19	13	financial	financial	ADJ
easat-3760	19	14	report	report	NOUN
easat-3760	19	15	.	.	PUNCT
easat-3760	20	1	analysis	analysis	NOUN
easat-3760	20	2	of	of	ADP
easat-3760	20	3	banking	bank	VERB
easat-3760	20	4	financial	financial	ADJ
easat-3760	20	5	performance	performance	NOUN
easat-3760	20	6	during	during	ADP
easat-3760	20	7	the	the	DET
easat-3760	20	8	covid-19	covid-19	PROPN
easat-3760	20	9	period	period	NOUN
easat-3760	20	10	requires	require	VERB
easat-3760	20	11	a	a	DET
easat-3760	20	12	deep	deep	ADJ
easat-3760	20	13	understanding	understanding	NOUN
easat-3760	20	14	of	of	ADP
easat-3760	20	15	market	market	NOUN
easat-3760	20	16	dynamics	dynamic	NOUN
easat-3760	20	17	,	,	PUNCT
easat-3760	20	18	economic	economic	ADJ
easat-3760	20	19	policies	policy	NOUN
easat-3760	20	20	,	,	PUNCT
easat-3760	20	21	and	and	CCONJ
easat-3760	20	22	changes	change	NOUN
easat-3760	20	23	in	in	ADP
easat-3760	20	24	consumer	consumer	NOUN
easat-3760	20	25	behavior	behavior	NOUN
easat-3760	20	26	to	to	PART
easat-3760	20	27	provide	provide	VERB
easat-3760	20	28	accurate	accurate	ADJ
easat-3760	20	29	insights	insight	NOUN
easat-3760	20	30	into	into	ADP
easat-3760	20	31	how	how	SCONJ
easat-3760	20	32	the	the	DET
easat-3760	20	33	pandemic	pandemic	NOUN
easat-3760	20	34	has	have	AUX
easat-3760	20	35	affected	affect	VERB
easat-3760	20	36	the	the	DET
easat-3760	20	37	overall	overall	ADJ
easat-3760	20	38	financial	financial	ADJ
easat-3760	20	39	health	health	NOUN
easat-3760	20	40	of	of	ADP
easat-3760	20	41	banks	bank	NOUN
easat-3760	20	42	.	.	PUNCT
easat-3760	21	1	the	the	DET
easat-3760	21	2	selection	selection	NOUN
easat-3760	21	3	of	of	ADP
easat-3760	21	4	state	state	NOUN
easat-3760	21	5	-	-	PUNCT
easat-3760	21	6	owned	own	VERB
easat-3760	21	7	banks	bank	NOUN
easat-3760	21	8	listed	list	VERB
easat-3760	21	9	on	on	ADP
easat-3760	21	10	the	the	DET
easat-3760	21	11	kompas	kompas	PROPN
easat-3760	21	12	100	100	NUM
easat-3760	21	13	index	index	NOUN
easat-3760	21	14	was	be	AUX
easat-3760	21	15	carried	carry	VERB
easat-3760	21	16	out	out	ADP
easat-3760	21	17	to	to	PART
easat-3760	21	18	be	be	AUX
easat-3760	21	19	able	able	ADJ
easat-3760	21	20	to	to	PART
easat-3760	21	21	describe	describe	VERB
easat-3760	21	22	the	the	DET
easat-3760	21	23	financial	financial	ADJ
easat-3760	21	24	performance	performance	NOUN
easat-3760	21	25	listed	list	VERB
easat-3760	21	26	on	on	ADP
easat-3760	21	27	the	the	DET
easat-3760	21	28	indonesia	indonesia	PROPN
easat-3760	21	29	stock	stock	PROPN
easat-3760	21	30	exchange	exchange	PROPN
easat-3760	21	31	.	.	PUNCT
easat-3760	22	1	the	the	DET
easat-3760	22	2	kompas	kompas	PROPN
easat-3760	22	3	100	100	NUM
easat-3760	22	4	index	index	NOUN
easat-3760	22	5	is	be	AUX
easat-3760	22	6	an	an	DET
easat-3760	22	7	index	index	NOUN
easat-3760	22	8	of	of	ADP
easat-3760	22	9	selected	select	VERB
easat-3760	22	10	stocks	stock	NOUN
easat-3760	22	11	that	that	PRON
easat-3760	22	12	have	have	VERB
easat-3760	22	13	high	high	ADJ
easat-3760	22	14	liquidity	liquidity	NOUN
easat-3760	22	15	,	,	PUNCT
easat-3760	22	16	as	as	ADV
easat-3760	22	17	well	well	ADV
easat-3760	22	18	as	as	ADP
easat-3760	22	19	large	large	ADJ
easat-3760	22	20	market	market	NOUN
easat-3760	22	21	capitalization	capitalization	NOUN
easat-3760	22	22	values	value	NOUN
easat-3760	22	23	,	,	PUNCT
easat-3760	22	24	and	and	CCONJ
easat-3760	22	25	are	be	AUX
easat-3760	22	26	also	also	ADV
easat-3760	22	27	stocks	stock	NOUN
easat-3760	22	28	that	that	PRON
easat-3760	22	29	have	have	VERB
easat-3760	22	30	good	good	ADJ
easat-3760	22	31	fundamentals	fundamental	NOUN
easat-3760	22	32	and	and	CCONJ
easat-3760	22	33	performance	performance	NOUN
easat-3760	22	34	.	.	PUNCT
easat-3760	23	1	8169	8169	NUM
easat-3760	23	2	edelweiss	edelweiss	PROPN
easat-3760	23	3	applied	apply	VERB
easat-3760	23	4	science	science	NOUN
easat-3760	23	5	and	and	CCONJ
easat-3760	23	6	technology	technology	NOUN
easat-3760	23	7	issn	issn	PROPN
easat-3760	23	8	:	:	PUNCT
easat-3760	23	9	2576	2576	NUM
easat-3760	23	10	-	-	SYM
easat-3760	23	11	8484	8484	NUM
easat-3760	23	12	vol	vol	NOUN
easat-3760	23	13	.	.	PROPN
easat-3760	23	14	8	8	NUM
easat-3760	23	15	,	,	PUNCT
easat-3760	23	16	no	no	INTJ
easat-3760	23	17	.	.	NOUN
easat-3760	24	1	6	6	NUM
easat-3760	24	2	:	:	SYM
easat-3760	24	3	8168	8168	NUM
easat-3760	24	4	-	-	SYM
easat-3760	24	5	8188	8188	NUM
easat-3760	24	6	,	,	PUNCT
easat-3760	24	7	2024	2024	NUM
easat-3760	24	8	doi	doi	NOUN
easat-3760	24	9	:	:	PUNCT
easat-3760	24	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	24	11	©	©	PROPN
easat-3760	24	12	2024	2024	NUM
easat-3760	24	13	by	by	ADP
easat-3760	24	14	the	the	DET
easat-3760	24	15	authors	author	NOUN
easat-3760	24	16	;	;	PUNCT
easat-3760	24	17	licensee	licensee	PROPN
easat-3760	24	18	learning	learning	NOUN
easat-3760	24	19	gate	gate	NOUN
easat-3760	24	20	based	base	VERB
easat-3760	24	21	on	on	ADP
easat-3760	24	22	the	the	DET
easat-3760	24	23	description	description	NOUN
easat-3760	24	24	above	above	ADV
easat-3760	24	25	,	,	PUNCT
easat-3760	24	26	the	the	DET
easat-3760	24	27	following	follow	VERB
easat-3760	24	28	research	research	NOUN
easat-3760	24	29	questions	question	NOUN
easat-3760	24	30	can	can	AUX
easat-3760	24	31	be	be	AUX
easat-3760	24	32	formulated	formulate	VERB
easat-3760	24	33	:	:	PUNCT
easat-3760	24	34	how	how	SCONJ
easat-3760	24	35	is	be	AUX
easat-3760	24	36	the	the	DET
easat-3760	24	37	comparison	comparison	NOUN
easat-3760	24	38	of	of	ADP
easat-3760	24	39	financial	financial	ADJ
easat-3760	24	40	performance	performance	NOUN
easat-3760	24	41	during	during	ADP
easat-3760	24	42	and	and	CCONJ
easat-3760	24	43	after	after	ADP
easat-3760	24	44	the	the	DET
easat-3760	24	45	covid-19	covid-19	PROPN
easat-3760	24	46	pandemic	pandemic	NOUN
easat-3760	24	47	(	(	PUNCT
easat-3760	24	48	study	study	NOUN
easat-3760	24	49	of	of	ADP
easat-3760	24	50	state	state	NOUN
easat-3760	24	51	-	-	PUNCT
easat-3760	24	52	owned	own	VERB
easat-3760	24	53	banks	bank	NOUN
easat-3760	24	54	listed	list	VERB
easat-3760	24	55	on	on	ADP
easat-3760	24	56	the	the	DET
easat-3760	24	57	kompas	kompas	PROPN
easat-3760	24	58	100	100	NUM
easat-3760	24	59	index	index	NOUN
easat-3760	24	60	)	)	PUNCT
easat-3760	24	61	?	?	PUNCT
easat-3760	25	1	2	2	X
easat-3760	25	2	.	.	X
easat-3760	25	3	literature	literature	NOUN
easat-3760	25	4	review	review	VERB
easat-3760	25	5	2.1	2.1	NUM
easat-3760	25	6	.	.	PUNCT
easat-3760	26	1	signal	signal	PROPN
easat-3760	26	2	theory	theory	NOUN
easat-3760	26	3	signal	signal	NOUN
easat-3760	26	4	theory	theory	NOUN
easat-3760	26	5	explains	explain	VERB
easat-3760	26	6	how	how	SCONJ
easat-3760	26	7	a	a	DET
easat-3760	26	8	company	company	NOUN
easat-3760	26	9	should	should	AUX
easat-3760	26	10	provide	provide	VERB
easat-3760	26	11	signals	signal	NOUN
easat-3760	26	12	to	to	ADP
easat-3760	26	13	users	user	NOUN
easat-3760	26	14	of	of	ADP
easat-3760	26	15	financial	financial	ADJ
easat-3760	26	16	statements	statement	NOUN
easat-3760	26	17	.	.	PUNCT
easat-3760	27	1	according	accord	VERB
easat-3760	27	2	to	to	ADP
easat-3760	27	3	(	(	PUNCT
easat-3760	27	4	brigham	brigham	PROPN
easat-3760	27	5	and	and	CCONJ
easat-3760	27	6	houston	houston	PROPN
easat-3760	27	7	,	,	PUNCT
easat-3760	27	8	2013	2013	NUM
easat-3760	27	9	)	)	PUNCT
easat-3760	27	10	a	a	DET
easat-3760	27	11	signal	signal	NOUN
easat-3760	27	12	is	be	AUX
easat-3760	27	13	an	an	DET
easat-3760	27	14	action	action	NOUN
easat-3760	27	15	taken	take	VERB
easat-3760	27	16	by	by	ADP
easat-3760	27	17	company	company	NOUN
easat-3760	27	18	management	management	NOUN
easat-3760	27	19	that	that	PRON
easat-3760	27	20	provides	provide	VERB
easat-3760	27	21	an	an	DET
easat-3760	27	22	indication	indication	NOUN
easat-3760	27	23	to	to	ADP
easat-3760	27	24	investors	investor	NOUN
easat-3760	27	25	about	about	ADP
easat-3760	27	26	how	how	SCONJ
easat-3760	27	27	management	management	NOUN
easat-3760	27	28	views	view	VERB
easat-3760	27	29	the	the	DET
easat-3760	27	30	company	company	NOUN
easat-3760	27	31	's	's	PART
easat-3760	27	32	prospects	prospect	NOUN
easat-3760	27	33	.	.	PUNCT
easat-3760	28	1	signal	signal	PROPN
easat-3760	28	2	theory	theory	NOUN
easat-3760	28	3	explains	explain	VERB
easat-3760	28	4	why	why	SCONJ
easat-3760	28	5	companies	company	NOUN
easat-3760	28	6	have	have	VERB
easat-3760	28	7	the	the	DET
easat-3760	28	8	urge	urge	NOUN
easat-3760	28	9	to	to	PART
easat-3760	28	10	provide	provide	VERB
easat-3760	28	11	financial	financial	ADJ
easat-3760	28	12	statement	statement	NOUN
easat-3760	28	13	information	information	NOUN
easat-3760	28	14	to	to	ADP
easat-3760	28	15	external	external	ADJ
easat-3760	28	16	parties	party	NOUN
easat-3760	28	17	.	.	PUNCT
easat-3760	29	1	2.2	2.2	NUM
easat-3760	29	2	.	.	PUNCT
easat-3760	30	1	financial	financial	ADJ
easat-3760	30	2	statements	statement	NOUN
easat-3760	30	3	financial	financial	ADJ
easat-3760	30	4	reports	report	NOUN
easat-3760	30	5	are	be	AUX
easat-3760	30	6	information	information	NOUN
easat-3760	30	7	that	that	PRON
easat-3760	30	8	provides	provide	VERB
easat-3760	30	9	an	an	DET
easat-3760	30	10	overview	overview	NOUN
easat-3760	30	11	of	of	ADP
easat-3760	30	12	a	a	DET
easat-3760	30	13	company	company	NOUN
easat-3760	30	14	's	's	PART
easat-3760	30	15	financial	financial	ADJ
easat-3760	30	16	condition	condition	NOUN
easat-3760	30	17	.	.	PUNCT
easat-3760	31	1	this	this	DET
easat-3760	31	2	information	information	NOUN
easat-3760	31	3	can	can	AUX
easat-3760	31	4	be	be	AUX
easat-3760	31	5	used	use	VERB
easat-3760	31	6	as	as	ADP
easat-3760	31	7	an	an	DET
easat-3760	31	8	overview	overview	NOUN
easat-3760	31	9	of	of	ADP
easat-3760	31	10	a	a	DET
easat-3760	31	11	company	company	NOUN
easat-3760	31	12	's	's	PART
easat-3760	31	13	financial	financial	ADJ
easat-3760	31	14	performance	performance	NOUN
easat-3760	31	15	(	(	PUNCT
easat-3760	31	16	hidayat	hidayat	PROPN
easat-3760	31	17	,	,	PUNCT
easat-3760	31	18	2018	2018	NUM
easat-3760	31	19	:	:	PUNCT
easat-3760	31	20	2	2	NUM
easat-3760	31	21	)	)	PUNCT
easat-3760	31	22	.	.	PUNCT
easat-3760	32	1	bank	bank	PROPN
easat-3760	32	2	financial	financial	ADJ
easat-3760	32	3	reports	report	NOUN
easat-3760	32	4	are	be	AUX
easat-3760	32	5	financial	financial	ADJ
easat-3760	32	6	reports	report	NOUN
easat-3760	32	7	that	that	PRON
easat-3760	32	8	will	will	AUX
easat-3760	32	9	describe	describe	VERB
easat-3760	32	10	the	the	DET
easat-3760	32	11	overall	overall	ADJ
easat-3760	32	12	financial	financial	ADJ
easat-3760	32	13	position	position	NOUN
easat-3760	32	14	of	of	ADP
easat-3760	32	15	a	a	DET
easat-3760	32	16	bank	bank	NOUN
easat-3760	32	17	,	,	PUNCT
easat-3760	32	18	starting	start	VERB
easat-3760	32	19	from	from	ADP
easat-3760	32	20	the	the	DET
easat-3760	32	21	position	position	NOUN
easat-3760	32	22	of	of	ADP
easat-3760	32	23	assets	asset	NOUN
easat-3760	32	24	,	,	PUNCT
easat-3760	32	25	liabilities	liability	NOUN
easat-3760	32	26	,	,	PUNCT
easat-3760	32	27	income	income	NOUN
easat-3760	32	28	,	,	PUNCT
easat-3760	32	29	and	and	CCONJ
easat-3760	32	30	costs	cost	NOUN
easat-3760	32	31	that	that	PRON
easat-3760	32	32	have	have	AUX
easat-3760	32	33	been	be	AUX
easat-3760	32	34	carried	carry	VERB
easat-3760	32	35	out	out	ADP
easat-3760	32	36	by	by	ADP
easat-3760	32	37	the	the	DET
easat-3760	32	38	bank	bank	NOUN
easat-3760	32	39	.	.	PUNCT
easat-3760	33	1	through	through	ADP
easat-3760	33	2	this	this	DET
easat-3760	33	3	report	report	NOUN
easat-3760	33	4	,	,	PUNCT
easat-3760	33	5	the	the	DET
easat-3760	33	6	actual	actual	ADJ
easat-3760	33	7	condition	condition	NOUN
easat-3760	33	8	of	of	ADP
easat-3760	33	9	the	the	DET
easat-3760	33	10	bank	bank	NOUN
easat-3760	33	11	will	will	AUX
easat-3760	33	12	be	be	AUX
easat-3760	33	13	known	know	VERB
easat-3760	33	14	,	,	PUNCT
easat-3760	33	15	including	include	VERB
easat-3760	33	16	the	the	DET
easat-3760	33	17	strengths	strength	NOUN
easat-3760	33	18	and	and	CCONJ
easat-3760	33	19	weaknesses	weakness	NOUN
easat-3760	33	20	of	of	ADP
easat-3760	33	21	the	the	DET
easat-3760	33	22	bank	bank	NOUN
easat-3760	33	23	.	.	PUNCT
easat-3760	34	1	the	the	DET
easat-3760	34	2	bank	bank	PROPN
easat-3760	34	3	financial	financial	ADJ
easat-3760	34	4	report	report	NOUN
easat-3760	34	5	will	will	AUX
easat-3760	34	6	also	also	ADV
easat-3760	34	7	show	show	VERB
easat-3760	34	8	the	the	DET
easat-3760	34	9	performance	performance	NOUN
easat-3760	34	10	of	of	ADP
easat-3760	34	11	bank	bank	NOUN
easat-3760	34	12	management	management	NOUN
easat-3760	34	13	in	in	ADP
easat-3760	34	14	one	one	NUM
easat-3760	34	15	period	period	NOUN
easat-3760	34	16	.	.	PUNCT
easat-3760	35	1	2.3	2.3	NUM
easat-3760	35	2	.	.	PUNCT
easat-3760	36	1	financial	financial	ADJ
easat-3760	36	2	statement	statement	NOUN
easat-3760	36	3	analysis	analysis	NOUN
easat-3760	36	4	financial	financial	ADJ
easat-3760	36	5	statement	statement	NOUN
easat-3760	36	6	analysis	analysis	NOUN
easat-3760	36	7	is	be	AUX
easat-3760	36	8	a	a	DET
easat-3760	36	9	series	series	NOUN
easat-3760	36	10	of	of	ADP
easat-3760	36	11	processes	process	NOUN
easat-3760	36	12	to	to	PART
easat-3760	36	13	identify	identify	VERB
easat-3760	36	14	,	,	PUNCT
easat-3760	36	15	measure	measure	NOUN
easat-3760	36	16	,	,	PUNCT
easat-3760	36	17	and	and	CCONJ
easat-3760	36	18	compare	compare	VERB
easat-3760	36	19	financial	financial	ADJ
easat-3760	36	20	statements	statement	NOUN
easat-3760	36	21	.	.	PUNCT
easat-3760	37	1	comparison	comparison	NOUN
easat-3760	37	2	of	of	ADP
easat-3760	37	3	financial	financial	ADJ
easat-3760	37	4	statements	statement	NOUN
easat-3760	37	5	is	be	AUX
easat-3760	37	6	done	do	VERB
easat-3760	37	7	by	by	ADP
easat-3760	37	8	comparing	compare	VERB
easat-3760	37	9	all	all	DET
easat-3760	37	10	types	type	NOUN
easat-3760	37	11	of	of	ADP
easat-3760	37	12	financial	financial	ADJ
easat-3760	37	13	statements	statement	NOUN
easat-3760	37	14	in	in	ADP
easat-3760	37	15	the	the	DET
easat-3760	37	16	current	current	ADJ
easat-3760	37	17	year	year	NOUN
easat-3760	37	18	with	with	ADP
easat-3760	37	19	financial	financial	ADJ
easat-3760	37	20	statements	statement	NOUN
easat-3760	37	21	in	in	ADP
easat-3760	37	22	the	the	DET
easat-3760	37	23	previous	previous	ADJ
easat-3760	37	24	year	year	NOUN
easat-3760	37	25	period	period	NOUN
easat-3760	37	26	(	(	PUNCT
easat-3760	37	27	ivan	ivan	PROPN
easat-3760	37	28	et	et	PROPN
easat-3760	37	29	al	al	PROPN
easat-3760	37	30	.	.	PROPN
easat-3760	37	31	,	,	PUNCT
easat-3760	37	32	2021	2021	NUM
easat-3760	37	33	:	:	PUNCT
easat-3760	37	34	1	1	NUM
easat-3760	37	35	)	)	PUNCT
easat-3760	37	36	.	.	PUNCT
easat-3760	38	1	according	accord	VERB
easat-3760	38	2	to	to	ADP
easat-3760	38	3	hutabarat	hutabarat	PROPN
easat-3760	38	4	(	(	PUNCT
easat-3760	38	5	2020	2020	NUM
easat-3760	38	6	:	:	PUNCT
easat-3760	38	7	3	3	X
easat-3760	38	8	)	)	PUNCT
easat-3760	38	9	there	there	PRON
easat-3760	38	10	are	be	VERB
easat-3760	38	11	several	several	ADJ
easat-3760	38	12	objectives	objective	NOUN
easat-3760	38	13	of	of	ADP
easat-3760	38	14	measuring	measure	VERB
easat-3760	38	15	company	company	NOUN
easat-3760	38	16	performance	performance	NOUN
easat-3760	38	17	,	,	PUNCT
easat-3760	38	18	namely	namely	ADV
easat-3760	38	19	:	:	PUNCT
easat-3760	38	20	1	1	X
easat-3760	38	21	.	.	X
easat-3760	38	22	to	to	PART
easat-3760	38	23	be	be	AUX
easat-3760	38	24	able	able	ADJ
easat-3760	38	25	to	to	PART
easat-3760	38	26	determine	determine	VERB
easat-3760	38	27	the	the	DET
easat-3760	38	28	level	level	NOUN
easat-3760	38	29	of	of	ADP
easat-3760	38	30	profitability	profitability	NOUN
easat-3760	38	31	.	.	PUNCT
easat-3760	39	1	2	2	X
easat-3760	39	2	.	.	X
easat-3760	39	3	to	to	PART
easat-3760	39	4	be	be	AUX
easat-3760	39	5	able	able	ADJ
easat-3760	39	6	to	to	PART
easat-3760	39	7	determine	determine	VERB
easat-3760	39	8	the	the	DET
easat-3760	39	9	level	level	NOUN
easat-3760	39	10	of	of	ADP
easat-3760	39	11	liquidity	liquidity	NOUN
easat-3760	39	12	.	.	PUNCT
easat-3760	40	1	3	3	X
easat-3760	40	2	.	.	X
easat-3760	40	3	to	to	PART
easat-3760	40	4	be	be	AUX
easat-3760	40	5	able	able	ADJ
easat-3760	40	6	to	to	PART
easat-3760	40	7	determine	determine	VERB
easat-3760	40	8	the	the	DET
easat-3760	40	9	level	level	NOUN
easat-3760	40	10	of	of	ADP
easat-3760	40	11	solvency	solvency	NOUN
easat-3760	40	12	.	.	PUNCT
easat-3760	41	1	4	4	X
easat-3760	41	2	.	.	PUNCT
easat-3760	41	3	to	to	PART
easat-3760	41	4	be	be	AUX
easat-3760	41	5	able	able	ADJ
easat-3760	41	6	to	to	PART
easat-3760	41	7	determine	determine	VERB
easat-3760	41	8	the	the	DET
easat-3760	41	9	level	level	NOUN
easat-3760	41	10	of	of	ADP
easat-3760	41	11	business	business	NOUN
easat-3760	41	12	stability	stability	NOUN
easat-3760	41	13	.	.	PUNCT
easat-3760	42	1	2.4	2.4	NUM
easat-3760	42	2	.	.	PUNCT
easat-3760	42	3	ratio	ratio	NOUN
easat-3760	42	4	-	-	PUNCT
easat-3760	42	5	banking	banking	NOUN
easat-3760	42	6	financial	financial	ADJ
easat-3760	42	7	ratios	ratio	NOUN
easat-3760	42	8	according	accord	VERB
easat-3760	42	9	to	to	ADP
easat-3760	42	10	andrianto	andrianto	PROPN
easat-3760	42	11	et	et	PROPN
easat-3760	42	12	al	al	PROPN
easat-3760	42	13	.	.	PUNCT
easat-3760	43	1	(	(	PUNCT
easat-3760	43	2	2019	2019	NUM
easat-3760	43	3	:	:	PUNCT
easat-3760	43	4	372	372	NUM
easat-3760	43	5	-	-	SYM
easat-3760	43	6	373	373	NUM
easat-3760	43	7	)	)	PUNCT
easat-3760	43	8	,	,	PUNCT
easat-3760	43	9	some	some	PRON
easat-3760	43	10	of	of	ADP
easat-3760	43	11	the	the	DET
easat-3760	43	12	most	most	ADV
easat-3760	43	13	commonly	commonly	ADV
easat-3760	43	14	used	use	VERB
easat-3760	43	15	ratios	ratio	NOUN
easat-3760	43	16	in	in	ADP
easat-3760	43	17	analyzing	analyze	VERB
easat-3760	43	18	bank	bank	NOUN
easat-3760	43	19	financial	financial	ADJ
easat-3760	43	20	reports	report	NOUN
easat-3760	43	21	include	include	VERB
easat-3760	43	22	:	:	PUNCT
easat-3760	43	23	1	1	X
easat-3760	43	24	.	.	X
easat-3760	43	25	liquidity	liquidity	NOUN
easat-3760	43	26	ratio	ratio	NOUN
easat-3760	43	27	the	the	DET
easat-3760	43	28	liquidity	liquidity	NOUN
easat-3760	43	29	ratio	ratio	NOUN
easat-3760	43	30	is	be	AUX
easat-3760	43	31	a	a	DET
easat-3760	43	32	ratio	ratio	NOUN
easat-3760	43	33	that	that	PRON
easat-3760	43	34	aims	aim	VERB
easat-3760	43	35	to	to	PART
easat-3760	43	36	assess	assess	VERB
easat-3760	43	37	how	how	SCONJ
easat-3760	43	38	liquid	liquid	ADJ
easat-3760	43	39	a	a	DET
easat-3760	43	40	bank	bank	NOUN
easat-3760	43	41	is	be	AUX
easat-3760	43	42	in	in	ADP
easat-3760	43	43	carrying	carry	VERB
easat-3760	43	44	out	out	ADP
easat-3760	43	45	its	its	PRON
easat-3760	43	46	business	business	NOUN
easat-3760	43	47	activities	activity	NOUN
easat-3760	43	48	and	and	CCONJ
easat-3760	43	49	serving	serve	VERB
easat-3760	43	50	its	its	PRON
easat-3760	43	51	customers	customer	NOUN
easat-3760	43	52	.	.	PUNCT
easat-3760	44	1	2	2	X
easat-3760	44	2	.	.	X
easat-3760	44	3	solvency	solvency	NOUN
easat-3760	44	4	ratio	ratio	NOUN
easat-3760	44	5	the	the	DET
easat-3760	44	6	solvency	solvency	NOUN
easat-3760	44	7	ratio	ratio	NOUN
easat-3760	44	8	is	be	AUX
easat-3760	44	9	a	a	DET
easat-3760	44	10	ratio	ratio	NOUN
easat-3760	44	11	that	that	PRON
easat-3760	44	12	aims	aim	VERB
easat-3760	44	13	to	to	PART
easat-3760	44	14	assess	assess	VERB
easat-3760	44	15	how	how	SCONJ
easat-3760	44	16	effective	effective	ADJ
easat-3760	44	17	a	a	DET
easat-3760	44	18	bank	bank	NOUN
easat-3760	44	19	is	be	AUX
easat-3760	44	20	in	in	ADP
easat-3760	44	21	achieving	achieve	VERB
easat-3760	44	22	its	its	PRON
easat-3760	44	23	goals	goal	NOUN
easat-3760	44	24	.	.	PUNCT
easat-3760	45	1	3	3	X
easat-3760	45	2	.	.	X
easat-3760	45	3	profitability	profitability	NOUN
easat-3760	45	4	ratio	ratio	NOUN
easat-3760	45	5	the	the	DET
easat-3760	45	6	profitability	profitability	NOUN
easat-3760	45	7	or	or	CCONJ
easat-3760	45	8	rentability	rentability	NOUN
easat-3760	45	9	ratio	ratio	NOUN
easat-3760	45	10	is	be	AUX
easat-3760	45	11	a	a	DET
easat-3760	45	12	ratio	ratio	NOUN
easat-3760	45	13	used	use	VERB
easat-3760	45	14	to	to	PART
easat-3760	45	15	assess	assess	VERB
easat-3760	45	16	the	the	DET
easat-3760	45	17	level	level	NOUN
easat-3760	45	18	of	of	ADP
easat-3760	45	19	business	business	NOUN
easat-3760	45	20	efficiency	efficiency	NOUN
easat-3760	45	21	and	and	CCONJ
easat-3760	45	22	profitability	profitability	NOUN
easat-3760	45	23	that	that	PRON
easat-3760	45	24	a	a	DET
easat-3760	45	25	bank	bank	NOUN
easat-3760	45	26	has	have	AUX
easat-3760	45	27	achieved	achieve	VERB
easat-3760	45	28	in	in	ADP
easat-3760	45	29	a	a	DET
easat-3760	45	30	certain	certain	ADJ
easat-3760	45	31	period	period	NOUN
easat-3760	45	32	.	.	PUNCT
easat-3760	46	1	banking	bank	VERB
easat-3760	46	2	financial	financial	ADJ
easat-3760	46	3	ratio	ratio	NOUN
easat-3760	46	4	analysis	analysis	NOUN
easat-3760	46	5	is	be	AUX
easat-3760	46	6	carried	carry	VERB
easat-3760	46	7	out	out	ADP
easat-3760	46	8	using	use	VERB
easat-3760	46	9	liquidity	liquidity	NOUN
easat-3760	46	10	ratios	ratio	NOUN
easat-3760	46	11	,	,	PUNCT
easat-3760	46	12	solvency	solvency	NOUN
easat-3760	46	13	ratios	ratio	NOUN
easat-3760	46	14	,	,	PUNCT
easat-3760	46	15	profitability	profitability	NOUN
easat-3760	46	16	ratios	ratio	NOUN
easat-3760	46	17	,	,	PUNCT
easat-3760	46	18	and	and	CCONJ
easat-3760	46	19	non	non	ADJ
easat-3760	46	20	-	-	ADJ
easat-3760	46	21	performing	performing	ADJ
easat-3760	46	22	loan	loan	NOUN
easat-3760	46	23	(	(	PUNCT
easat-3760	46	24	npl	npl	NOUN
easat-3760	46	25	)	)	PUNCT
easat-3760	46	26	ratios	ratio	NOUN
easat-3760	46	27	.	.	PUNCT
easat-3760	47	1	the	the	DET
easat-3760	47	2	types	type	NOUN
easat-3760	47	3	of	of	ADP
easat-3760	47	4	liquidity	liquidity	NOUN
easat-3760	47	5	ratios	ratio	NOUN
easat-3760	47	6	that	that	PRON
easat-3760	47	7	can	can	AUX
easat-3760	47	8	be	be	AUX
easat-3760	47	9	used	use	VERB
easat-3760	47	10	in	in	ADP
easat-3760	47	11	analyzing	analyze	VERB
easat-3760	47	12	bank	bank	NOUN
easat-3760	47	13	financial	financial	ADJ
easat-3760	47	14	statements	statement	NOUN
easat-3760	47	15	are	be	AUX
easat-3760	47	16	loan	loan	NOUN
easat-3760	47	17	to	to	PART
easat-3760	47	18	deposit	deposit	NOUN
easat-3760	47	19	ratio	ratio	NOUN
easat-3760	47	20	.	.	PUNCT
easat-3760	48	1	loan	loan	NOUN
easat-3760	48	2	to	to	ADP
easat-3760	48	3	deposit	deposit	NOUN
easat-3760	48	4	ratio	ratio	NOUN
easat-3760	48	5	is	be	AUX
easat-3760	48	6	a	a	DET
easat-3760	48	7	ratio	ratio	NOUN
easat-3760	48	8	used	use	VERB
easat-3760	48	9	to	to	PART
easat-3760	48	10	assess	assess	VERB
easat-3760	48	11	the	the	DET
easat-3760	48	12	composition	composition	NOUN
easat-3760	48	13	of	of	ADP
easat-3760	48	14	the	the	DET
easat-3760	48	15	amount	amount	NOUN
easat-3760	48	16	of	of	ADP
easat-3760	48	17	credit	credit	NOUN
easat-3760	48	18	provided	provide	VERB
easat-3760	48	19	by	by	ADP
easat-3760	48	20	a	a	DET
easat-3760	48	21	bank	bank	NOUN
easat-3760	48	22	compared	compare	VERB
easat-3760	48	23	to	to	ADP
easat-3760	48	24	the	the	DET
easat-3760	48	25	amount	amount	NOUN
easat-3760	48	26	of	of	ADP
easat-3760	48	27	public	public	ADJ
easat-3760	48	28	funds	fund	NOUN
easat-3760	48	29	and	and	CCONJ
easat-3760	48	30	equity	equity	NOUN
easat-3760	48	31	used	use	VERB
easat-3760	48	32	by	by	ADP
easat-3760	48	33	the	the	DET
easat-3760	48	34	bank	bank	NOUN
easat-3760	48	35	.	.	PUNCT
easat-3760	49	1	here	here	ADV
easat-3760	49	2	is	be	AUX
easat-3760	49	3	the	the	DET
easat-3760	49	4	formula	formula	NOUN
easat-3760	49	5	for	for	ADP
easat-3760	49	6	calculating	calculate	VERB
easat-3760	49	7	the	the	DET
easat-3760	49	8	loan	loan	NOUN
easat-3760	49	9	to	to	PART
easat-3760	49	10	deposit	deposit	NOUN
easat-3760	49	11	ratio	ratio	NOUN
easat-3760	49	12	:	:	PUNCT
easat-3760	49	13	loan	loan	NOUN
easat-3760	49	14	to	to	PART
easat-3760	49	15	deposit	deposit	VERB
easat-3760	49	16	ratio	ratio	NOUN
easat-3760	49	17	=	=	PROPN
easat-3760	49	18	kredit	kredit	PROPN
easat-3760	49	19	dana	dana	PROPN
easat-3760	49	20	pihak	pihak	PROPN
easat-3760	49	21	ketiga	ketiga	PROPN
easat-3760	49	22	×100	×100	PROPN
easat-3760	49	23	%	%	NOUN
easat-3760	49	24	8170	8170	NUM
easat-3760	49	25	edelweiss	edelweiss	PROPN
easat-3760	49	26	applied	apply	VERB
easat-3760	49	27	science	science	NOUN
easat-3760	49	28	and	and	CCONJ
easat-3760	49	29	technology	technology	NOUN
easat-3760	49	30	issn	issn	PROPN
easat-3760	49	31	:	:	PUNCT
easat-3760	49	32	2576	2576	NUM
easat-3760	49	33	-	-	SYM
easat-3760	49	34	8484	8484	NUM
easat-3760	49	35	vol	vol	NOUN
easat-3760	49	36	.	.	PROPN
easat-3760	49	37	8	8	NUM
easat-3760	49	38	,	,	PUNCT
easat-3760	49	39	no	no	INTJ
easat-3760	49	40	.	.	NOUN
easat-3760	50	1	6	6	NUM
easat-3760	50	2	:	:	SYM
easat-3760	50	3	8168	8168	NUM
easat-3760	50	4	-	-	SYM
easat-3760	50	5	8188	8188	NUM
easat-3760	50	6	,	,	PUNCT
easat-3760	50	7	2024	2024	NUM
easat-3760	50	8	doi	doi	NOUN
easat-3760	50	9	:	:	PUNCT
easat-3760	50	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	50	11	©	©	PROPN
easat-3760	50	12	2024	2024	NUM
easat-3760	50	13	by	by	ADP
easat-3760	50	14	the	the	DET
easat-3760	50	15	authors	author	NOUN
easat-3760	50	16	;	;	PUNCT
easat-3760	50	17	licensee	licensee	PROPN
easat-3760	50	18	learning	learning	NOUN
easat-3760	50	19	gate	gate	VERB
easat-3760	50	20	the	the	DET
easat-3760	50	21	type	type	NOUN
easat-3760	50	22	of	of	ADP
easat-3760	50	23	solvency	solvency	NOUN
easat-3760	50	24	ratio	ratio	NOUN
easat-3760	50	25	that	that	PRON
easat-3760	50	26	can	can	AUX
easat-3760	50	27	be	be	AUX
easat-3760	50	28	used	use	VERB
easat-3760	50	29	in	in	ADP
easat-3760	50	30	analyzing	analyze	VERB
easat-3760	50	31	bank	bank	NOUN
easat-3760	50	32	financial	financial	ADJ
easat-3760	50	33	statements	statement	NOUN
easat-3760	50	34	is	be	AUX
easat-3760	50	35	the	the	DET
easat-3760	50	36	capital	capital	NOUN
easat-3760	50	37	adequacy	adequacy	NOUN
easat-3760	50	38	ratio	ratio	NOUN
easat-3760	50	39	.	.	PUNCT
easat-3760	51	1	the	the	DET
easat-3760	51	2	capital	capital	NOUN
easat-3760	51	3	adequacy	adequacy	NOUN
easat-3760	51	4	ratio	ratio	NOUN
easat-3760	51	5	is	be	AUX
easat-3760	51	6	a	a	DET
easat-3760	51	7	bank	bank	NOUN
easat-3760	51	8	performance	performance	NOUN
easat-3760	51	9	ratio	ratio	NOUN
easat-3760	51	10	used	use	VERB
easat-3760	51	11	to	to	PART
easat-3760	51	12	assess	assess	VERB
easat-3760	51	13	the	the	DET
easat-3760	51	14	adequacy	adequacy	NOUN
easat-3760	51	15	of	of	ADP
easat-3760	51	16	capital	capital	NOUN
easat-3760	51	17	owned	own	VERB
easat-3760	51	18	by	by	ADP
easat-3760	51	19	a	a	DET
easat-3760	51	20	bank	bank	NOUN
easat-3760	51	21	.	.	PUNCT
easat-3760	52	1	the	the	DET
easat-3760	52	2	following	follow	VERB
easat-3760	52	3	is	be	AUX
easat-3760	52	4	the	the	DET
easat-3760	52	5	formula	formula	NOUN
easat-3760	52	6	used	use	VERB
easat-3760	52	7	in	in	ADP
easat-3760	52	8	calculating	calculate	VERB
easat-3760	52	9	the	the	DET
easat-3760	52	10	capital	capital	NOUN
easat-3760	52	11	adequacy	adequacy	NOUN
easat-3760	52	12	ratio	ratio	NOUN
easat-3760	52	13	:	:	PUNCT
easat-3760	52	14	capital	capital	NOUN
easat-3760	52	15	adequacy	adequacy	NOUN
easat-3760	52	16	ratio	ratio	NOUN
easat-3760	52	17	=	=	SYM
easat-3760	52	18	modal	modal	NOUN
easat-3760	52	19	inti	inti	PROPN
easat-3760	52	20	atmr	atmr	ADJ
easat-3760	52	21	×	×	NOUN
easat-3760	52	22	100	100	NUM
easat-3760	52	23	%	%	NOUN
easat-3760	52	24	the	the	DET
easat-3760	52	25	types	type	NOUN
easat-3760	52	26	of	of	ADP
easat-3760	52	27	profitability	profitability	NOUN
easat-3760	52	28	ratios	ratio	NOUN
easat-3760	52	29	that	that	PRON
easat-3760	52	30	can	can	AUX
easat-3760	52	31	be	be	AUX
easat-3760	52	32	used	use	VERB
easat-3760	52	33	in	in	ADP
easat-3760	52	34	analyzing	analyze	VERB
easat-3760	52	35	bank	bank	PROPN
easat-3760	52	36	financial	financial	ADJ
easat-3760	52	37	reports	report	NOUN
easat-3760	52	38	are	be	AUX
easat-3760	52	39	:	:	PUNCT
easat-3760	52	40	1	1	X
easat-3760	52	41	.	.	X
easat-3760	52	42	return	return	VERB
easat-3760	52	43	on	on	ADP
easat-3760	52	44	assets	asset	NOUN
easat-3760	52	45	return	return	VERB
easat-3760	52	46	on	on	ADP
easat-3760	52	47	assets	asset	NOUN
easat-3760	52	48	=	=	SYM
easat-3760	52	49	laba	laba	PROPN
easat-3760	52	50	sebelum	sebelum	PROPN
easat-3760	52	51	pajak	pajak	PROPN
easat-3760	52	52	total	total	PROPN
easat-3760	52	53	aset	aset	VERB
easat-3760	52	54	×	×	NOUN
easat-3760	52	55	100	100	NUM
easat-3760	52	56	%	%	NOUN
easat-3760	52	57	2	2	NUM
easat-3760	52	58	.	.	NOUN
easat-3760	52	59	return	return	NOUN
easat-3760	52	60	on	on	ADP
easat-3760	52	61	equity	equity	NOUN
easat-3760	52	62	return	return	NOUN
easat-3760	52	63	on	on	ADP
easat-3760	52	64	equity	equity	NOUN
easat-3760	52	65	=	=	SYM
easat-3760	52	66	laba	laba	PROPN
easat-3760	52	67	bersih	bersih	PROPN
easat-3760	52	68	modal	modal	PROPN
easat-3760	52	69	inti	inti	PROPN
easat-3760	52	70	×	×	NOUN
easat-3760	52	71	100	100	NUM
easat-3760	52	72	%	%	NOUN
easat-3760	52	73	3	3	NUM
easat-3760	52	74	.	.	PUNCT
easat-3760	52	75	operating	operate	VERB
easat-3760	52	76	expenses	expense	NOUN
easat-3760	52	77	/	/	SYM
easat-3760	52	78	operating	operate	VERB
easat-3760	52	79	income	income	NOUN
easat-3760	52	80	(	(	PUNCT
easat-3760	52	81	bopo	bopo	NOUN
easat-3760	52	82	)	)	PUNCT
easat-3760	52	83	bopo	bopo	NOUN
easat-3760	53	1	=	=	PUNCT
easat-3760	53	2	beban	beban	PROPN
easat-3760	53	3	operasional	operasional	PROPN
easat-3760	53	4	pendapatan	pendapatan	PROPN
easat-3760	53	5	operasional	operasional	PROPN
easat-3760	53	6	×	×	PROPN
easat-3760	53	7	100	100	NUM
easat-3760	53	8	%	%	NOUN
easat-3760	53	9	4	4	NUM
easat-3760	53	10	.	.	PUNCT
easat-3760	53	11	net	net	ADJ
easat-3760	53	12	interest	interest	NOUN
easat-3760	53	13	margin	margin	NOUN
easat-3760	53	14	net	net	ADJ
easat-3760	53	15	interest	interest	NOUN
easat-3760	53	16	margin	margin	NOUN
easat-3760	53	17	=	=	SYM
easat-3760	53	18	pendapatan	pendapatan	NOUN
easat-3760	53	19	bunga	bunga	PROPN
easat-3760	53	20	bersih	bersih	PROPN
easat-3760	53	21	aset	aset	VERB
easat-3760	53	22	produktif	produktif	NOUN
easat-3760	53	23	×	×	NOUN
easat-3760	53	24	100	100	NUM
easat-3760	53	25	%	%	NOUN
easat-3760	53	26	credit	credit	NOUN
easat-3760	53	27	risk	risk	NOUN
easat-3760	53	28	is	be	AUX
easat-3760	53	29	a	a	DET
easat-3760	53	30	common	common	ADJ
easat-3760	53	31	risk	risk	NOUN
easat-3760	53	32	in	in	ADP
easat-3760	53	33	the	the	DET
easat-3760	53	34	banking	banking	NOUN
easat-3760	53	35	sector	sector	NOUN
easat-3760	53	36	.	.	PUNCT
easat-3760	54	1	the	the	DET
easat-3760	54	2	type	type	NOUN
easat-3760	54	3	of	of	ADP
easat-3760	54	4	credit	credit	NOUN
easat-3760	54	5	ratio	ratio	NOUN
easat-3760	54	6	used	use	VERB
easat-3760	54	7	by	by	ADP
easat-3760	54	8	banks	bank	NOUN
easat-3760	54	9	is	be	AUX
easat-3760	54	10	the	the	DET
easat-3760	54	11	non	non	ADJ
easat-3760	54	12	-	-	ADJ
easat-3760	54	13	performing	performing	ADJ
easat-3760	54	14	loan	loan	NOUN
easat-3760	54	15	(	(	PUNCT
easat-3760	54	16	npl	npl	NOUN
easat-3760	54	17	)	)	PUNCT
easat-3760	54	18	ratio	ratio	NOUN
easat-3760	54	19	.	.	PUNCT
easat-3760	55	1	here	here	ADV
easat-3760	55	2	is	be	AUX
easat-3760	55	3	the	the	DET
easat-3760	55	4	formula	formula	NOUN
easat-3760	55	5	for	for	ADP
easat-3760	55	6	calculating	calculate	VERB
easat-3760	55	7	non	non	ADJ
easat-3760	55	8	performing	perform	VERB
easat-3760	55	9	loans	loan	NOUN
easat-3760	55	10	:	:	PUNCT
easat-3760	55	11	non	non	ADJ
easat-3760	55	12	performing	perform	VERB
easat-3760	55	13	loan	loan	NOUN
easat-3760	55	14	=	=	SYM
easat-3760	55	15	kredit	kredit	PROPN
easat-3760	55	16	bermasalah	bermasalah	PROPN
easat-3760	55	17	total	total	PROPN
easat-3760	55	18	kredit	kredit	PROPN
easat-3760	55	19	×	×	PROPN
easat-3760	55	20	100	100	NUM
easat-3760	55	21	%	%	NOUN
easat-3760	55	22	3	3	NUM
easat-3760	55	23	.	.	PUNCT
easat-3760	56	1	methods	method	NOUN
easat-3760	56	2	this	this	DET
easat-3760	56	3	research	research	NOUN
easat-3760	56	4	was	be	AUX
easat-3760	56	5	conducted	conduct	VERB
easat-3760	56	6	at	at	ADP
easat-3760	56	7	state	state	NOUN
easat-3760	56	8	-	-	PUNCT
easat-3760	56	9	owned	own	VERB
easat-3760	56	10	banks	bank	NOUN
easat-3760	56	11	listed	list	VERB
easat-3760	56	12	in	in	ADP
easat-3760	56	13	the	the	DET
easat-3760	56	14	kompas	kompas	PROPN
easat-3760	56	15	100	100	NUM
easat-3760	56	16	index	index	NOUN
easat-3760	56	17	.	.	PUNCT
easat-3760	57	1	namely	namely	ADV
easat-3760	57	2	pt	pt	PROPN
easat-3760	57	3	.	.	PROPN
easat-3760	57	4	bank	bank	PROPN
easat-3760	57	5	negara	negara	PROPN
easat-3760	57	6	indonesia	indonesia	PROPN
easat-3760	57	7	(	(	PUNCT
easat-3760	57	8	persero	persero	PROPN
easat-3760	57	9	)	)	PUNCT
easat-3760	57	10	,	,	PUNCT
easat-3760	57	11	tbk	tbk	PROPN
easat-3760	57	12	,	,	PUNCT
easat-3760	57	13	pt	pt	PROPN
easat-3760	57	14	.	.	PROPN
easat-3760	57	15	bank	bank	NOUN
easat-3760	57	16	mandiri	mandiri	NOUN
easat-3760	57	17	(	(	PUNCT
easat-3760	57	18	persero	persero	NOUN
easat-3760	57	19	)	)	PUNCT
easat-3760	57	20	,	,	PUNCT
easat-3760	57	21	tbk	tbk	PROPN
easat-3760	57	22	,	,	PUNCT
easat-3760	57	23	pt	pt	PROPN
easat-3760	57	24	.	.	PROPN
easat-3760	57	25	bank	bank	PROPN
easat-3760	57	26	rakyat	rakyat	PROPN
easat-3760	57	27	indonesia	indonesia	PROPN
easat-3760	57	28	(	(	PUNCT
easat-3760	57	29	persero	persero	PROPN
easat-3760	57	30	)	)	PUNCT
easat-3760	57	31	,	,	PUNCT
easat-3760	57	32	tbk	tbk	NOUN
easat-3760	57	33	,	,	PUNCT
easat-3760	57	34	and	and	CCONJ
easat-3760	57	35	pt	pt	PROPN
easat-3760	57	36	.	.	PROPN
easat-3760	57	37	bank	bank	PROPN
easat-3760	57	38	tabungan	tabungan	VERB
easat-3760	57	39	negara	negara	PROPN
easat-3760	57	40	(	(	PUNCT
easat-3760	57	41	persero	persero	PROPN
easat-3760	57	42	)	)	PUNCT
easat-3760	57	43	,	,	PUNCT
easat-3760	57	44	tbk	tbk	NOUN
easat-3760	57	45	and	and	CCONJ
easat-3760	57	46	the	the	DET
easat-3760	57	47	object	object	NOUN
easat-3760	57	48	of	of	ADP
easat-3760	57	49	this	this	DET
easat-3760	57	50	research	research	NOUN
easat-3760	57	51	is	be	AUX
easat-3760	57	52	the	the	DET
easat-3760	57	53	financial	financial	ADJ
easat-3760	57	54	report	report	NOUN
easat-3760	57	55	of	of	ADP
easat-3760	57	56	state	state	NOUN
easat-3760	57	57	-	-	PUNCT
easat-3760	57	58	owned	own	VERB
easat-3760	57	59	banks	bank	NOUN
easat-3760	57	60	during	during	ADP
easat-3760	57	61	and	and	CCONJ
easat-3760	57	62	after	after	ADP
easat-3760	57	63	the	the	DET
easat-3760	57	64	covid-19	covid-19	PROPN
easat-3760	57	65	pandemic	pandemic	NOUN
easat-3760	57	66	,	,	PUNCT
easat-3760	57	67	namely	namely	ADV
easat-3760	57	68	the	the	DET
easat-3760	57	69	period	period	NOUN
easat-3760	57	70	2020	2020	NUM
easat-3760	57	71	,	,	PUNCT
easat-3760	57	72	2021	2021	NUM
easat-3760	57	73	,	,	PUNCT
easat-3760	57	74	2022	2022	NUM
easat-3760	57	75	,	,	PUNCT
easat-3760	57	76	and	and	CCONJ
easat-3760	57	77	2023	2023	NUM
easat-3760	57	78	.	.	PUNCT
easat-3760	58	1	the	the	DET
easat-3760	58	2	population	population	NOUN
easat-3760	58	3	of	of	ADP
easat-3760	58	4	this	this	DET
easat-3760	58	5	study	study	NOUN
easat-3760	58	6	consists	consist	VERB
easat-3760	58	7	of	of	ADP
easat-3760	58	8	all	all	DET
easat-3760	58	9	banking	banking	NOUN
easat-3760	58	10	services	service	NOUN
easat-3760	58	11	listed	list	VERB
easat-3760	58	12	on	on	ADP
easat-3760	58	13	the	the	DET
easat-3760	58	14	indonesia	indonesia	PROPN
easat-3760	58	15	stock	stock	PROPN
easat-3760	58	16	exchange	exchange	PROPN
easat-3760	58	17	.	.	PUNCT
easat-3760	59	1	the	the	DET
easat-3760	59	2	sample	sample	NOUN
easat-3760	59	3	of	of	ADP
easat-3760	59	4	this	this	DET
easat-3760	59	5	study	study	NOUN
easat-3760	59	6	isstate	isstate	NOUN
easat-3760	59	7	-	-	PUNCT
easat-3760	59	8	owned	own	VERB
easat-3760	59	9	banks	bank	NOUN
easat-3760	59	10	listed	list	VERB
easat-3760	59	11	on	on	ADP
easat-3760	59	12	the	the	DET
easat-3760	59	13	kompas	kompas	PROPN
easat-3760	59	14	100	100	NUM
easat-3760	59	15	index	index	NOUN
easat-3760	59	16	are	be	AUX
easat-3760	59	17	pt	pt	PROPN
easat-3760	59	18	.	.	PROPN
easat-3760	59	19	bank	bank	PROPN
easat-3760	59	20	negara	negara	PROPN
easat-3760	59	21	indonesia	indonesia	PROPN
easat-3760	59	22	(	(	PUNCT
easat-3760	59	23	persero	persero	PROPN
easat-3760	59	24	)	)	PUNCT
easat-3760	59	25	,	,	PUNCT
easat-3760	59	26	tbk	tbk	PROPN
easat-3760	59	27	,	,	PUNCT
easat-3760	59	28	pt	pt	PROPN
easat-3760	59	29	.	.	PROPN
easat-3760	59	30	bank	bank	NOUN
easat-3760	59	31	mandiri	mandiri	NOUN
easat-3760	59	32	(	(	PUNCT
easat-3760	59	33	persero	persero	NOUN
easat-3760	59	34	)	)	PUNCT
easat-3760	59	35	,	,	PUNCT
easat-3760	59	36	tbk	tbk	PROPN
easat-3760	59	37	,	,	PUNCT
easat-3760	59	38	pt	pt	PROPN
easat-3760	59	39	.	.	PROPN
easat-3760	59	40	bank	bank	PROPN
easat-3760	59	41	rakyat	rakyat	PROPN
easat-3760	59	42	indonesia	indonesia	PROPN
easat-3760	59	43	(	(	PUNCT
easat-3760	59	44	persero	persero	PROPN
easat-3760	59	45	)	)	PUNCT
easat-3760	59	46	,	,	PUNCT
easat-3760	59	47	tbk	tbk	NOUN
easat-3760	59	48	,	,	PUNCT
easat-3760	59	49	and	and	CCONJ
easat-3760	59	50	pt	pt	PROPN
easat-3760	59	51	.	.	PROPN
easat-3760	59	52	bank	bank	PROPN
easat-3760	59	53	tabungan	tabungan	VERB
easat-3760	59	54	negara	negara	PROPN
easat-3760	59	55	(	(	PUNCT
easat-3760	59	56	persero	persero	PROPN
easat-3760	59	57	)	)	PUNCT
easat-3760	59	58	,	,	PUNCT
easat-3760	59	59	tbk	tbk	PROPN
easat-3760	59	60	.	.	PUNCT
easat-3760	60	1	the	the	DET
easat-3760	60	2	selection	selection	NOUN
easat-3760	60	3	of	of	ADP
easat-3760	60	4	banks	bank	NOUN
easat-3760	60	5	listed	list	VERB
easat-3760	60	6	on	on	ADP
easat-3760	60	7	the	the	DET
easat-3760	60	8	kompas	kompas	PROPN
easat-3760	60	9	100	100	NUM
easat-3760	60	10	index	index	NOUN
easat-3760	60	11	is	be	AUX
easat-3760	60	12	expected	expect	VERB
easat-3760	60	13	to	to	PART
easat-3760	60	14	be	be	AUX
easat-3760	60	15	generalized	generalize	VERB
easat-3760	60	16	to	to	PART
easat-3760	60	17	describe	describe	VERB
easat-3760	60	18	the	the	DET
easat-3760	60	19	overall	overall	ADJ
easat-3760	60	20	financial	financial	ADJ
easat-3760	60	21	performance	performance	NOUN
easat-3760	60	22	of	of	ADP
easat-3760	60	23	banks	bank	NOUN
easat-3760	60	24	listed	list	VERB
easat-3760	60	25	on	on	ADP
easat-3760	60	26	the	the	DET
easat-3760	60	27	indonesia	indonesia	PROPN
easat-3760	60	28	stock	stock	PROPN
easat-3760	60	29	exchange	exchange	PROPN
easat-3760	60	30	(	(	PUNCT
easat-3760	60	31	idx	idx	PROPN
easat-3760	60	32	)	)	PUNCT
easat-3760	60	33	in	in	ADP
easat-3760	60	34	facing	face	VERB
easat-3760	60	35	the	the	DET
easat-3760	60	36	period	period	NOUN
easat-3760	60	37	during	during	ADP
easat-3760	60	38	and	and	CCONJ
easat-3760	60	39	after	after	ADP
easat-3760	60	40	the	the	DET
easat-3760	60	41	covid-19	covid-19	PROPN
easat-3760	60	42	pandemic	pandemic	NOUN
easat-3760	60	43	.	.	PUNCT
easat-3760	61	1	for	for	ADP
easat-3760	61	2	the	the	DET
easat-3760	61	3	purpose	purpose	NOUN
easat-3760	61	4	of	of	ADP
easat-3760	61	5	data	datum	NOUN
easat-3760	61	6	collection	collection	NOUN
easat-3760	61	7	,	,	PUNCT
easat-3760	61	8	the	the	DET
easat-3760	61	9	documentation	documentation	NOUN
easat-3760	61	10	method	method	NOUN
easat-3760	61	11	will	will	AUX
easat-3760	61	12	be	be	AUX
easat-3760	61	13	implemented	implement	VERB
easat-3760	61	14	.	.	PUNCT
easat-3760	62	1	data	datum	NOUN
easat-3760	62	2	collection	collection	NOUN
easat-3760	62	3	using	use	VERB
easat-3760	62	4	documentation	documentation	NOUN
easat-3760	62	5	techniques	technique	NOUN
easat-3760	62	6	is	be	AUX
easat-3760	62	7	intended	intend	VERB
easat-3760	62	8	to	to	PART
easat-3760	62	9	collect	collect	VERB
easat-3760	62	10	secondary	secondary	ADJ
easat-3760	62	11	data	datum	NOUN
easat-3760	62	12	,	,	PUNCT
easat-3760	62	13	namely	namely	ADV
easat-3760	62	14	financial	financial	ADJ
easat-3760	62	15	reports	report	NOUN
easat-3760	62	16	from	from	ADP
easat-3760	62	17	state	state	NOUN
easat-3760	62	18	-	-	PUNCT
easat-3760	62	19	owned	own	VERB
easat-3760	62	20	banks	bank	NOUN
easat-3760	62	21	listed	list	VERB
easat-3760	62	22	in	in	ADP
easat-3760	62	23	the	the	DET
easat-3760	62	24	kompas	kompas	PROPN
easat-3760	62	25	100	100	NUM
easat-3760	62	26	index	index	NOUN
easat-3760	62	27	for	for	ADP
easat-3760	62	28	the	the	DET
easat-3760	62	29	period	period	NOUN
easat-3760	62	30	2020	2020	NUM
easat-3760	62	31	,	,	PUNCT
easat-3760	62	32	2021	2021	NUM
easat-3760	62	33	,	,	PUNCT
easat-3760	62	34	20022	20022	NUM
easat-3760	62	35	,	,	PUNCT
easat-3760	62	36	and	and	CCONJ
easat-3760	62	37	2023	2023	NUM
easat-3760	62	38	.	.	PUNCT
easat-3760	63	1	the	the	DET
easat-3760	63	2	data	datum	NOUN
easat-3760	63	3	analysis	analysis	NOUN
easat-3760	63	4	method	method	NOUN
easat-3760	63	5	in	in	ADP
easat-3760	63	6	this	this	DET
easat-3760	63	7	study	study	NOUN
easat-3760	63	8	is	be	AUX
easat-3760	63	9	as	as	SCONJ
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easat-3760	63	11	8171	8171	NUM
easat-3760	63	12	edelweiss	edelweiss	PROPN
easat-3760	63	13	applied	apply	VERB
easat-3760	63	14	science	science	NOUN
easat-3760	63	15	and	and	CCONJ
easat-3760	63	16	technology	technology	NOUN
easat-3760	63	17	issn	issn	PROPN
easat-3760	63	18	:	:	PUNCT
easat-3760	63	19	2576	2576	NUM
easat-3760	63	20	-	-	SYM
easat-3760	63	21	8484	8484	NUM
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easat-3760	63	23	.	.	PROPN
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easat-3760	63	25	,	,	PUNCT
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easat-3760	63	27	.	.	NOUN
easat-3760	64	1	6	6	NUM
easat-3760	64	2	:	:	SYM
easat-3760	64	3	8168	8168	NUM
easat-3760	64	4	-	-	SYM
easat-3760	64	5	8188	8188	NUM
easat-3760	64	6	,	,	PUNCT
easat-3760	64	7	2024	2024	NUM
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easat-3760	64	9	:	:	PUNCT
easat-3760	64	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
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easat-3760	64	12	2024	2024	NUM
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easat-3760	64	14	the	the	DET
easat-3760	64	15	authors	author	NOUN
easat-3760	64	16	;	;	PUNCT
easat-3760	64	17	licensee	licensee	PROPN
easat-3760	64	18	learning	learning	NOUN
easat-3760	64	19	gate	gate	PROPN
easat-3760	64	20	3.1	3.1	NUM
easat-3760	64	21	.	.	PUNCT
easat-3760	65	1	liquidity	liquidity	NOUN
easat-3760	65	2	ratio	ratio	NOUN
easat-3760	65	3	table	table	NOUN
easat-3760	65	4	1	1	NUM
easat-3760	65	5	.	.	PUNCT
easat-3760	65	6	loan	loan	NOUN
easat-3760	65	7	to	to	PART
easat-3760	65	8	deposit	deposit	VERB
easat-3760	65	9	ratio	ratio	NOUN
easat-3760	65	10	rating	rating	NOUN
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easat-3760	65	12	criteria	criterion	NOUN
easat-3760	65	13	.	.	PUNCT
easat-3760	66	1	ranking	rank	VERB
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easat-3760	66	3	criteria	criterion	NOUN
easat-3760	66	4	1	1	NUM
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easat-3760	66	8	%	%	NOUN
easat-3760	66	9	<	<	X
easat-3760	66	10	ldr	ldr	NOUN
easat-3760	67	1	≤	≤	NUM
easat-3760	67	2	75	75	NUM
easat-3760	67	3	%	%	NOUN
easat-3760	67	4	2	2	NUM
easat-3760	67	5	healthy	healthy	ADJ
easat-3760	67	6	75	75	NUM
easat-3760	67	7	%	%	NOUN
easat-3760	67	8	<	<	X
easat-3760	67	9	ldr	ldr	PROPN
easat-3760	68	1	≤	≤	NUM
easat-3760	68	2	85	85	NUM
easat-3760	68	3	%	%	NOUN
easat-3760	68	4	3	3	NUM
easat-3760	68	5	healthy	healthy	ADJ
easat-3760	68	6	enough	enough	ADV
easat-3760	68	7	85	85	NUM
easat-3760	68	8	%	%	NOUN
easat-3760	68	9	<	<	X
easat-3760	68	10	ldr	ldr	NOUN
easat-3760	68	11	≤	≤	NUM
easat-3760	68	12	100	100	NUM
easat-3760	68	13	%	%	NOUN
easat-3760	68	14	4	4	NUM
easat-3760	68	15	unwell	unwell	NOUN
easat-3760	68	16	100	100	NUM
easat-3760	68	17	%	%	NOUN
easat-3760	68	18	<	<	X
easat-3760	68	19	ldr	ldr	NOUN
easat-3760	68	20	≤	≤	ADJ
easat-3760	68	21	120	120	NUM
easat-3760	68	22	%	%	NOUN
easat-3760	68	23	5	5	NUM
easat-3760	68	24	not	not	PART
easat-3760	68	25	healthy	healthy	ADJ
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easat-3760	68	27	>	>	X
easat-3760	68	28	120	120	NUM
easat-3760	68	29	%	%	NOUN
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easat-3760	68	31	:	:	PUNCT
easat-3760	68	32	pojk	pojk	PROPN
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easat-3760	68	34	.	.	NOUN
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easat-3760	68	37	pojk.03/2016	pojk.03/2016	PROPN
easat-3760	68	38	.	.	PUNCT
easat-3760	69	1	3.2	3.2	NUM
easat-3760	69	2	.	.	PUNCT
easat-3760	70	1	solvency	solvency	NOUN
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easat-3760	70	3	table	table	NOUN
easat-3760	70	4	2	2	NUM
easat-3760	70	5	.	.	PUNCT
easat-3760	70	6	capital	capital	NOUN
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easat-3760	70	8	ratio	ratio	NOUN
easat-3760	70	9	rating	rating	NOUN
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easat-3760	70	12	.	.	PUNCT
easat-3760	71	1	ranking	rank	VERB
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easat-3760	71	4	1	1	NUM
easat-3760	71	5	very	very	ADV
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easat-3760	71	9	12	12	NUM
easat-3760	71	10	%	%	NOUN
easat-3760	71	11	2	2	NUM
easat-3760	71	12	healthy	healthy	ADJ
easat-3760	71	13	9	9	NUM
easat-3760	71	14	%	%	NOUN
easat-3760	71	15	≤	≤	NUM
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easat-3760	71	17	<	<	X
easat-3760	71	18	12	12	NUM
easat-3760	71	19	%	%	NOUN
easat-3760	71	20	3	3	NUM
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easat-3760	71	22	enough	enough	ADJ
easat-3760	71	23	8	8	NUM
easat-3760	71	24	%	%	NOUN
easat-3760	71	25	≤	≤	NUM
easat-3760	71	26	car	car	NOUN
easat-3760	71	27	<	<	X
easat-3760	71	28	9	9	NUM
easat-3760	71	29	%	%	NOUN
easat-3760	71	30	4	4	NUM
easat-3760	71	31	unwell	unwell	ADJ
easat-3760	71	32	6	6	NUM
easat-3760	71	33	%	%	NOUN
easat-3760	71	34	<	<	X
easat-3760	71	35	car	car	NOUN
easat-3760	71	36	<	<	X
easat-3760	71	37	8	8	NUM
easat-3760	71	38	%	%	NOUN
easat-3760	71	39	5	5	NUM
easat-3760	71	40	not	not	PART
easat-3760	71	41	healthy	healthy	ADJ
easat-3760	71	42	car	car	NOUN
easat-3760	71	43	≤	≤	NUM
easat-3760	71	44	6	6	NUM
easat-3760	71	45	%	%	NOUN
easat-3760	71	46	source	source	NOUN
easat-3760	71	47	:	:	PUNCT
easat-3760	71	48	pojk	pojk	PROPN
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easat-3760	71	50	.	.	NOUN
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easat-3760	72	3	pojk.03/2016	pojk.03/2016	PROPN
easat-3760	72	4	.	.	PUNCT
easat-3760	73	1	3.3	3.3	NUM
easat-3760	73	2	.	.	PUNCT
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easat-3760	74	4	.	.	PUNCT
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easat-3760	75	14	.	.	PUNCT
easat-3760	76	1	ranking	rank	VERB
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easat-3760	76	4	1	1	NUM
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easat-3760	76	8	>	>	X
easat-3760	76	9	1.5	1.5	NUM
easat-3760	76	10	%	%	NOUN
easat-3760	76	11	2	2	NUM
easat-3760	76	12	healthy	healthy	ADJ
easat-3760	76	13	1.25	1.25	NUM
easat-3760	76	14	%	%	NOUN
easat-3760	76	15	<	<	X
easat-3760	76	16	roa	roa	PROPN
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easat-3760	76	18	1.5	1.5	NUM
easat-3760	76	19	%	%	NOUN
easat-3760	76	20	3	3	NUM
easat-3760	76	21	healthy	healthy	ADJ
easat-3760	76	22	enough	enough	ADV
easat-3760	76	23	0.5	0.5	NUM
easat-3760	76	24	%	%	NOUN
easat-3760	76	25	<	<	X
easat-3760	76	26	roa	roa	PROPN
easat-3760	76	27	≤	≤	ADV
easat-3760	76	28	1.25	1.25	NUM
easat-3760	76	29	%	%	NOUN
easat-3760	76	30	4	4	NUM
easat-3760	76	31	unwell	unwell	ADJ
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easat-3760	76	33	%	%	NOUN
easat-3760	76	34	≤	≤	NUM
easat-3760	76	35	roa	roa	NOUN
easat-3760	76	36	≤	≤	NUM
easat-3760	76	37	0.5	0.5	NUM
easat-3760	76	38	%	%	NOUN
easat-3760	76	39	5	5	NUM
easat-3760	76	40	not	not	PART
easat-3760	76	41	healthy	healthy	ADJ
easat-3760	76	42	roa	roa	NOUN
easat-3760	77	1	≤	≤	ADJ
easat-3760	77	2	0	0	NUM
easat-3760	77	3	%	%	NOUN
easat-3760	77	4	source	source	NOUN
easat-3760	77	5	:	:	PUNCT
easat-3760	77	6	pojk	pojk	PROPN
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easat-3760	77	8	.	.	NOUN
easat-3760	78	1	4	4	NUM
easat-3760	78	2	/	/	SYM
easat-3760	78	3	pojk.03/2016	pojk.03/2016	PROPN
easat-3760	78	4	.	.	PUNCT
easat-3760	79	1	3.3.2	3.3.2	NUM
easat-3760	79	2	.	.	X
easat-3760	79	3	return	return	NOUN
easat-3760	79	4	on	on	ADP
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easat-3760	79	7	4	4	NUM
easat-3760	79	8	.	.	X
easat-3760	79	9	return	return	VERB
easat-3760	79	10	on	on	ADP
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easat-3760	79	12	rating	rating	NOUN
easat-3760	79	13	determination	determination	NOUN
easat-3760	79	14	criteria	criterion	NOUN
easat-3760	79	15	.	.	PUNCT
easat-3760	80	1	ranking	rank	VERB
easat-3760	80	2	information	information	NOUN
easat-3760	80	3	criteria	criterion	NOUN
easat-3760	80	4	1	1	NUM
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easat-3760	80	9	20	20	NUM
easat-3760	80	10	%	%	NOUN
easat-3760	80	11	2	2	NUM
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easat-3760	80	13	12.5	12.5	NUM
easat-3760	80	14	%	%	NOUN
easat-3760	80	15	≤	≤	NUM
easat-3760	80	16	roe	roe	NOUN
easat-3760	80	17	<	<	X
easat-3760	80	18	20	20	NUM
easat-3760	80	19	%	%	NOUN
easat-3760	80	20	3	3	NUM
easat-3760	80	21	healthy	healthy	ADJ
easat-3760	80	22	enough	enough	ADV
easat-3760	80	23	5	5	NUM
easat-3760	80	24	%	%	NOUN
easat-3760	80	25	≤	≤	NUM
easat-3760	80	26	roe	roe	NOUN
easat-3760	80	27	<	<	X
easat-3760	80	28	12.5	12.5	NUM
easat-3760	80	29	%	%	NOUN
easat-3760	80	30	4	4	NUM
easat-3760	80	31	unwell	unwell	ADJ
easat-3760	80	32	0	0	NUM
easat-3760	80	33	%	%	NOUN
easat-3760	80	34	≤	≤	NUM
easat-3760	80	35	roe	roe	NOUN
easat-3760	80	36	<	<	X
easat-3760	80	37	5	5	NUM
easat-3760	80	38	%	%	NOUN
easat-3760	80	39	5	5	NUM
easat-3760	80	40	not	not	PART
easat-3760	80	41	healthy	healthy	ADJ
easat-3760	80	42	roe	roe	NOUN
easat-3760	80	43	<	<	X
easat-3760	80	44	0	0	NUM
easat-3760	80	45	%	%	NOUN
easat-3760	80	46	source	source	NOUN
easat-3760	80	47	:	:	PUNCT
easat-3760	80	48	pojk	pojk	PROPN
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easat-3760	80	53	pojk.03/2016	pojk.03/2016	PROPN
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easat-3760	80	59	technology	technology	NOUN
easat-3760	80	60	issn	issn	PROPN
easat-3760	80	61	:	:	PUNCT
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easat-3760	80	68	,	,	PUNCT
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easat-3760	80	70	.	.	NOUN
easat-3760	81	1	6	6	NUM
easat-3760	81	2	:	:	SYM
easat-3760	81	3	8168	8168	NUM
easat-3760	81	4	-	-	SYM
easat-3760	81	5	8188	8188	NUM
easat-3760	81	6	,	,	PUNCT
easat-3760	81	7	2024	2024	NUM
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easat-3760	81	9	:	:	PUNCT
easat-3760	81	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
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easat-3760	81	12	2024	2024	NUM
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easat-3760	81	21	.	.	PUNCT
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easat-3760	81	23	expenses	expense	NOUN
easat-3760	81	24	/	/	SYM
easat-3760	81	25	operating	operate	VERB
easat-3760	81	26	income	income	NOUN
easat-3760	81	27	(	(	PUNCT
easat-3760	81	28	bopo	bopo	NOUN
easat-3760	81	29	)	)	PUNCT
easat-3760	81	30	table	table	NOUN
easat-3760	81	31	5	5	NUM
easat-3760	81	32	.	.	PUNCT
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easat-3760	81	35	determination	determination	NOUN
easat-3760	81	36	criteria	criterion	NOUN
easat-3760	81	37	.	.	PUNCT
easat-3760	82	1	ranking	rank	VERB
easat-3760	82	2	information	information	NOUN
easat-3760	82	3	criteria	criterion	NOUN
easat-3760	82	4	1	1	NUM
easat-3760	82	5	very	very	ADV
easat-3760	82	6	healthy	healthy	ADJ
easat-3760	82	7	bopo	bopo	NOUN
easat-3760	82	8	<	<	X
easat-3760	82	9	90	90	NUM
easat-3760	82	10	%	%	NOUN
easat-3760	82	11	2	2	NUM
easat-3760	82	12	healthy	healthy	ADJ
easat-3760	82	13	90	90	NUM
easat-3760	82	14	%	%	NOUN
easat-3760	82	15	<	<	X
easat-3760	82	16	bopo	bopo	NOUN
easat-3760	82	17	<	<	X
easat-3760	82	18	94	94	NUM
easat-3760	82	19	%	%	NOUN
easat-3760	82	20	3	3	NUM
easat-3760	82	21	healthy	healthy	ADJ
easat-3760	82	22	enough	enough	ADV
easat-3760	82	23	94	94	NUM
easat-3760	82	24	%	%	NOUN
easat-3760	82	25	<	<	X
easat-3760	82	26	bopo	bopo	NOUN
easat-3760	82	27	≤	≤	NUM
easat-3760	82	28	96	96	NUM
easat-3760	82	29	%	%	NOUN
easat-3760	82	30	4	4	NUM
easat-3760	82	31	unwell	unwell	ADJ
easat-3760	82	32	96	96	NUM
easat-3760	82	33	%	%	NOUN
easat-3760	82	34	<	<	X
easat-3760	82	35	bopo	bopo	PROPN
easat-3760	82	36	≤	≤	NUM
easat-3760	82	37	100	100	NUM
easat-3760	82	38	%	%	NOUN
easat-3760	82	39	5	5	NUM
easat-3760	82	40	not	not	PART
easat-3760	82	41	healthy	healthy	ADJ
easat-3760	82	42	bopo	bopo	NOUN
easat-3760	82	43	>	>	X
easat-3760	82	44	100	100	NUM
easat-3760	82	45	%	%	NOUN
easat-3760	82	46	source	source	NOUN
easat-3760	82	47	:	:	PUNCT
easat-3760	82	48	pojk	pojk	PROPN
easat-3760	82	49	no	no	NOUN
easat-3760	82	50	.	.	NOUN
easat-3760	82	51	4	4	NUM
easat-3760	82	52	/	/	SYM
easat-3760	82	53	pojk.03/2016	pojk.03/2016	PROPN
easat-3760	82	54	3.3.4	3.3.4	NUM
easat-3760	82	55	.	.	PUNCT
easat-3760	83	1	net	net	ADJ
easat-3760	83	2	interest	interest	NOUN
easat-3760	83	3	margin	margin	NOUN
easat-3760	83	4	table	table	NOUN
easat-3760	83	5	6	6	NUM
easat-3760	83	6	.	.	PUNCT
easat-3760	83	7	net	net	ADJ
easat-3760	83	8	interest	interest	NOUN
easat-3760	83	9	margin	margin	NOUN
easat-3760	83	10	ranking	rank	VERB
easat-3760	83	11	determination	determination	NOUN
easat-3760	83	12	criteria	criterion	NOUN
easat-3760	83	13	.	.	PUNCT
easat-3760	84	1	ranking	rank	VERB
easat-3760	84	2	information	information	NOUN
easat-3760	84	3	criteria	criterion	NOUN
easat-3760	84	4	1	1	NUM
easat-3760	84	5	very	very	ADV
easat-3760	84	6	healthy	healthy	ADJ
easat-3760	84	7	nim	nim	NOUN
easat-3760	84	8	>	>	X
easat-3760	84	9	3	3	NUM
easat-3760	84	10	%	%	NOUN
easat-3760	84	11	2	2	NUM
easat-3760	84	12	healthy	healthy	ADJ
easat-3760	84	13	2	2	NUM
easat-3760	84	14	%	%	NOUN
easat-3760	84	15	<	<	X
easat-3760	84	16	nim	nim	PROPN
easat-3760	84	17	≤	≤	ADJ
easat-3760	84	18	3	3	NUM
easat-3760	84	19	%	%	NOUN
easat-3760	84	20	3	3	NUM
easat-3760	84	21	healthy	healthy	ADJ
easat-3760	84	22	enough	enough	ADV
easat-3760	84	23	1.5	1.5	NUM
easat-3760	84	24	%	%	NOUN
easat-3760	84	25	<	<	X
easat-3760	84	26	nim	nim	PROPN
easat-3760	84	27	≤	≤	ADJ
easat-3760	84	28	2	2	NUM
easat-3760	84	29	%	%	NOUN
easat-3760	84	30	4	4	NUM
easat-3760	84	31	unwell	unwell	ADJ
easat-3760	84	32	1	1	NUM
easat-3760	84	33	%	%	NOUN
easat-3760	84	34	<	<	X
easat-3760	84	35	nim	nim	PROPN
easat-3760	84	36	≤	≤	NUM
easat-3760	84	37	1.5	1.5	NUM
easat-3760	84	38	%	%	NOUN
easat-3760	84	39	5	5	NUM
easat-3760	84	40	not	not	PART
easat-3760	84	41	healthy	healthy	ADJ
easat-3760	84	42	nim	nim	PROPN
easat-3760	84	43	≤	≤	NUM
easat-3760	84	44	1	1	NUM
easat-3760	84	45	%	%	NOUN
easat-3760	84	46	source	source	NOUN
easat-3760	84	47	:	:	PUNCT
easat-3760	84	48	pojk	pojk	PROPN
easat-3760	84	49	no	no	NOUN
easat-3760	84	50	.	.	NOUN
easat-3760	84	51	4	4	NUM
easat-3760	84	52	/	/	SYM
easat-3760	84	53	pojk.03/2016	pojk.03/2016	PROPN
easat-3760	84	54	3.3.5	3.3.5	NUM
easat-3760	84	55	.	.	PUNCT
easat-3760	85	1	non	non	ADJ
easat-3760	85	2	-	-	ADJ
easat-3760	85	3	performing	performing	ADJ
easat-3760	85	4	loan	loan	NOUN
easat-3760	85	5	(	(	PUNCT
easat-3760	85	6	npl	npl	NOUN
easat-3760	85	7	)	)	PUNCT
easat-3760	85	8	ratio	ratio	NOUN
easat-3760	85	9	table	table	NOUN
easat-3760	85	10	7	7	NUM
easat-3760	85	11	.	.	PUNCT
easat-3760	85	12	criteria	criterion	NOUN
easat-3760	85	13	for	for	ADP
easat-3760	85	14	determining	determine	VERB
easat-3760	85	15	non	non	ADJ
easat-3760	85	16	-	-	ADJ
easat-3760	85	17	performing	performing	ADJ
easat-3760	85	18	loan	loan	NOUN
easat-3760	85	19	ratings	rating	NOUN
easat-3760	85	20	.	.	PUNCT
easat-3760	86	1	ranking	rank	VERB
easat-3760	86	2	information	information	NOUN
easat-3760	86	3	criteria	criterion	NOUN
easat-3760	86	4	1	1	NUM
easat-3760	86	5	very	very	ADV
easat-3760	86	6	healthy	healthy	ADJ
easat-3760	86	7	0	0	NUM
easat-3760	86	8	%	%	NOUN
easat-3760	86	9	<	<	X
easat-3760	86	10	npl	npl	X
easat-3760	86	11	≤	≤	NUM
easat-3760	86	12	2	2	NUM
easat-3760	86	13	%	%	NOUN
easat-3760	86	14	2	2	NUM
easat-3760	86	15	healthy	healthy	ADJ
easat-3760	86	16	2	2	NUM
easat-3760	86	17	%	%	NOUN
easat-3760	86	18	<	<	X
easat-3760	86	19	npl	npl	PROPN
easat-3760	86	20	≤	≤	NUM
easat-3760	86	21	3.5	3.5	NUM
easat-3760	86	22	%	%	NOUN
easat-3760	86	23	3	3	NUM
easat-3760	86	24	healthy	healthy	ADJ
easat-3760	86	25	enough	enough	ADV
easat-3760	86	26	3.5	3.5	NUM
easat-3760	86	27	%	%	NOUN
easat-3760	86	28	<	<	X
easat-3760	86	29	npl	npl	X
easat-3760	86	30	≤	≤	NUM
easat-3760	86	31	5	5	NUM
easat-3760	86	32	%	%	NOUN
easat-3760	86	33	4	4	NUM
easat-3760	86	34	unwell	unwell	ADJ
easat-3760	86	35	5	5	NUM
easat-3760	86	36	%	%	NOUN
easat-3760	86	37	<	<	X
easat-3760	86	38	npl	npl	X
easat-3760	86	39	≤	≤	NUM
easat-3760	86	40	8	8	NUM
easat-3760	86	41	%	%	NOUN
easat-3760	86	42	5	5	NUM
easat-3760	86	43	not	not	PART
easat-3760	86	44	healthy	healthy	ADJ
easat-3760	86	45	npl	npl	X
easat-3760	86	46	>	>	X
easat-3760	86	47	8	8	NUM
easat-3760	86	48	%	%	NOUN
easat-3760	86	49	source	source	NOUN
easat-3760	86	50	:	:	PUNCT
easat-3760	86	51	pojk	pojk	PROPN
easat-3760	86	52	no	no	NOUN
easat-3760	86	53	.	.	NOUN
easat-3760	87	1	4	4	NUM
easat-3760	87	2	/	/	SYM
easat-3760	87	3	pojk.03/2016	pojk.03/2016	PROPN
easat-3760	87	4	.	.	PUNCT
easat-3760	88	1	the	the	DET
easat-3760	88	2	data	datum	NOUN
easat-3760	88	3	used	use	VERB
easat-3760	88	4	in	in	ADP
easat-3760	88	5	this	this	DET
easat-3760	88	6	study	study	NOUN
easat-3760	88	7	is	be	AUX
easat-3760	88	8	secondary	secondary	ADJ
easat-3760	88	9	data	datum	NOUN
easat-3760	88	10	obtained	obtain	VERB
easat-3760	88	11	fromstate	fromstate	NOUN
easat-3760	88	12	-	-	PUNCT
easat-3760	88	13	owned	own	VERB
easat-3760	88	14	banks	bank	NOUN
easat-3760	88	15	listed	list	VERB
easat-3760	88	16	on	on	ADP
easat-3760	88	17	the	the	DET
easat-3760	88	18	kompas	kompas	PROPN
easat-3760	88	19	100	100	NUM
easat-3760	88	20	indexnamely	indexnamely	ADV
easat-3760	88	21	pt	pt	PROPN
easat-3760	88	22	.	.	PROPN
easat-3760	88	23	bank	bank	PROPN
easat-3760	88	24	negara	negara	PROPN
easat-3760	88	25	indonesia	indonesia	PROPN
easat-3760	88	26	(	(	PUNCT
easat-3760	88	27	persero	persero	PROPN
easat-3760	88	28	)	)	PUNCT
easat-3760	88	29	,	,	PUNCT
easat-3760	88	30	tbk	tbk	PROPN
easat-3760	88	31	,	,	PUNCT
easat-3760	88	32	pt	pt	PROPN
easat-3760	88	33	.	.	PROPN
easat-3760	88	34	bank	bank	NOUN
easat-3760	88	35	mandiri	mandiri	NOUN
easat-3760	88	36	(	(	PUNCT
easat-3760	88	37	persero	persero	NOUN
easat-3760	88	38	)	)	PUNCT
easat-3760	88	39	,	,	PUNCT
easat-3760	88	40	tbk	tbk	PROPN
easat-3760	88	41	,	,	PUNCT
easat-3760	88	42	pt	pt	PROPN
easat-3760	88	43	.	.	PROPN
easat-3760	88	44	bank	bank	PROPN
easat-3760	88	45	rakyat	rakyat	PROPN
easat-3760	88	46	indonesia	indonesia	PROPN
easat-3760	88	47	(	(	PUNCT
easat-3760	88	48	persero	persero	PROPN
easat-3760	88	49	)	)	PUNCT
easat-3760	88	50	,	,	PUNCT
easat-3760	88	51	tbk	tbk	NOUN
easat-3760	88	52	,	,	PUNCT
easat-3760	88	53	and	and	CCONJ
easat-3760	88	54	pt	pt	PROPN
easat-3760	88	55	.	.	PROPN
easat-3760	88	56	bank	bank	PROPN
easat-3760	88	57	tabungan	tabungan	VERB
easat-3760	88	58	negara	negara	PROPN
easat-3760	88	59	(	(	PUNCT
easat-3760	88	60	persero	persero	PROPN
easat-3760	88	61	)	)	PUNCT
easat-3760	88	62	,	,	PUNCT
easat-3760	88	63	tbk.there	tbk.there	X
easat-3760	88	64	are	be	AUX
easat-3760	88	65	two	two	NUM
easat-3760	88	66	types	type	NOUN
easat-3760	88	67	of	of	ADP
easat-3760	88	68	data	datum	NOUN
easat-3760	88	69	in	in	ADP
easat-3760	88	70	this	this	DET
easat-3760	88	71	study	study	NOUN
easat-3760	88	72	,	,	PUNCT
easat-3760	88	73	namely	namely	ADV
easat-3760	88	74	quantitative	quantitative	ADJ
easat-3760	88	75	data	datum	NOUN
easat-3760	88	76	and	and	CCONJ
easat-3760	88	77	qualitative	qualitative	ADJ
easat-3760	88	78	data	datum	NOUN
easat-3760	88	79	.	.	PUNCT
easat-3760	89	1	this	this	DET
easat-3760	89	2	study	study	NOUN
easat-3760	89	3	focuses	focus	VERB
easat-3760	89	4	more	more	ADJ
easat-3760	89	5	on	on	ADP
easat-3760	89	6	quantitative	quantitative	ADJ
easat-3760	89	7	data	datum	NOUN
easat-3760	89	8	in	in	ADP
easat-3760	89	9	the	the	DET
easat-3760	89	10	research	research	NOUN
easat-3760	89	11	conducted	conduct	VERB
easat-3760	89	12	.	.	PUNCT
easat-3760	90	1	quantitative	quantitative	ADJ
easat-3760	90	2	data	datum	NOUN
easat-3760	90	3	is	be	AUX
easat-3760	90	4	data	datum	NOUN
easat-3760	90	5	or	or	CCONJ
easat-3760	90	6	information	information	NOUN
easat-3760	90	7	obtained	obtain	VERB
easat-3760	90	8	in	in	ADP
easat-3760	90	9	the	the	DET
easat-3760	90	10	form	form	NOUN
easat-3760	90	11	of	of	ADP
easat-3760	90	12	numbers	number	NOUN
easat-3760	90	13	.	.	PUNCT
easat-3760	91	1	this	this	DET
easat-3760	91	2	data	datum	NOUN
easat-3760	91	3	in	in	ADP
easat-3760	91	4	the	the	DET
easat-3760	91	5	form	form	NOUN
easat-3760	91	6	of	of	ADP
easat-3760	91	7	numbers	number	NOUN
easat-3760	91	8	can	can	AUX
easat-3760	91	9	then	then	ADV
easat-3760	91	10	be	be	AUX
easat-3760	91	11	processed	process	VERB
easat-3760	91	12	using	use	VERB
easat-3760	91	13	mathematical	mathematical	ADJ
easat-3760	91	14	formulas	formula	NOUN
easat-3760	91	15	,	,	PUNCT
easat-3760	91	16	or	or	CCONJ
easat-3760	91	17	can	can	AUX
easat-3760	91	18	also	also	ADV
easat-3760	91	19	be	be	AUX
easat-3760	91	20	analyzed	analyze	VERB
easat-3760	91	21	with	with	ADP
easat-3760	91	22	statistical	statistical	ADJ
easat-3760	91	23	models	model	NOUN
easat-3760	91	24	.	.	PUNCT
easat-3760	92	1	8173	8173	NUM
easat-3760	92	2	edelweiss	edelweiss	PROPN
easat-3760	92	3	applied	apply	VERB
easat-3760	92	4	science	science	NOUN
easat-3760	92	5	and	and	CCONJ
easat-3760	92	6	technology	technology	NOUN
easat-3760	92	7	issn	issn	PROPN
easat-3760	92	8	:	:	PUNCT
easat-3760	92	9	2576	2576	NUM
easat-3760	92	10	-	-	SYM
easat-3760	92	11	8484	8484	NUM
easat-3760	92	12	vol	vol	NOUN
easat-3760	92	13	.	.	PROPN
easat-3760	92	14	8	8	NUM
easat-3760	92	15	,	,	PUNCT
easat-3760	92	16	no	no	INTJ
easat-3760	92	17	.	.	NOUN
easat-3760	93	1	6	6	NUM
easat-3760	93	2	:	:	SYM
easat-3760	93	3	8168	8168	NUM
easat-3760	93	4	-	-	SYM
easat-3760	93	5	8188	8188	NUM
easat-3760	93	6	,	,	PUNCT
easat-3760	93	7	2024	2024	NUM
easat-3760	93	8	doi	doi	NOUN
easat-3760	93	9	:	:	PUNCT
easat-3760	93	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	93	11	©	©	PROPN
easat-3760	93	12	2024	2024	NUM
easat-3760	93	13	by	by	ADP
easat-3760	93	14	the	the	DET
easat-3760	93	15	authors	author	NOUN
easat-3760	93	16	;	;	PUNCT
easat-3760	93	17	licensee	licensee	PROPN
easat-3760	93	18	learning	learning	NOUN
easat-3760	93	19	gate	gate	NOUN
easat-3760	93	20	4	4	PROPN
easat-3760	93	21	.	.	NOUN
easat-3760	93	22	results	result	NOUN
easat-3760	93	23	and	and	CCONJ
easat-3760	93	24	discussion	discussion	NOUN
easat-3760	93	25	4.1	4.1	NUM
easat-3760	93	26	.	.	PUNCT
easat-3760	94	1	analysis	analysis	NOUN
easat-3760	94	2	of	of	ADP
easat-3760	94	3	state	state	NOUN
easat-3760	94	4	-	-	PUNCT
easat-3760	94	5	owned	own	VERB
easat-3760	94	6	bank	bank	NOUN
easat-3760	94	7	financial	financial	ADJ
easat-3760	94	8	ratios	ratio	NOUN
easat-3760	94	9	during	during	ADP
easat-3760	94	10	the	the	DET
easat-3760	94	11	covid-19	covid-19	PROPN
easat-3760	94	12	pandemic	pandemic	ADJ
easat-3760	94	13	4.1.1	4.1.1	NUM
easat-3760	94	14	.	.	PUNCT
easat-3760	95	1	analysis	analysis	NOUN
easat-3760	95	2	of	of	ADP
easat-3760	95	3	state	state	NOUN
easat-3760	95	4	-	-	PUNCT
easat-3760	95	5	owned	own	VERB
easat-3760	95	6	bank	bank	NOUN
easat-3760	95	7	financial	financial	ADJ
easat-3760	95	8	ratios	ratio	NOUN
easat-3760	95	9	for	for	ADP
easat-3760	95	10	the	the	DET
easat-3760	95	11	period	period	NOUN
easat-3760	95	12	2020	2020	NUM
easat-3760	95	13	and	and	CCONJ
easat-3760	95	14	2021	2021	NUM
easat-3760	95	15	table	table	NOUN
easat-3760	95	16	8	8	NUM
easat-3760	95	17	.	.	PUNCT
easat-3760	95	18	loan	loan	NOUN
easat-3760	95	19	to	to	PART
easat-3760	95	20	deposit	deposit	NOUN
easat-3760	95	21	ratio	ratio	NOUN
easat-3760	95	22	(	(	PUNCT
easat-3760	95	23	ldr	ldr	PROPN
easat-3760	95	24	)	)	PUNCT
easat-3760	95	25	of	of	ADP
easat-3760	95	26	bumn	bumn	NOUN
easat-3760	95	27	banks	bank	NOUN
easat-3760	95	28	for	for	ADP
easat-3760	95	29	the	the	DET
easat-3760	95	30	2020	2020	NUM
easat-3760	95	31	-	-	SYM
easat-3760	95	32	2021	2021	NUM
easat-3760	95	33	period	period	NOUN
easat-3760	95	34	expressed	express	VERB
easat-3760	95	35	in	in	ADP
easat-3760	95	36	millions	million	NOUN
easat-3760	95	37	of	of	ADP
easat-3760	95	38	rupiah	rupiah	NOUN
easat-3760	95	39	,	,	PUNCT
easat-3760	95	40	unless	unless	SCONJ
easat-3760	95	41	otherwise	otherwise	ADV
easat-3760	95	42	stated	state	VERB
easat-3760	95	43	)	)	PUNCT
easat-3760	95	44	.	.	PUNCT
easat-3760	96	1	year	year	NOUN
easat-3760	96	2	total	total	ADJ
easat-3760	96	3	credit	credit	NOUN
easat-3760	96	4	total	total	ADJ
easat-3760	96	5	third	third	ADJ
easat-3760	96	6	party	party	NOUN
easat-3760	96	7	funds	fund	NOUN
easat-3760	96	8	100	100	NUM
easat-3760	96	9	%	%	NOUN
easat-3760	96	10	ldr	ldr	PROPN
easat-3760	96	11	ojk	ojk	NOUN
easat-3760	96	12	standards	standard	NOUN
easat-3760	96	13	(	(	PUNCT
easat-3760	96	14	a	a	NOUN
easat-3760	96	15	)	)	PUNCT
easat-3760	96	16	(	(	PUNCT
easat-3760	96	17	b	b	X
easat-3760	96	18	)	)	PUNCT
easat-3760	96	19	(	(	PUNCT
easat-3760	96	20	c	c	X
easat-3760	96	21	)	)	PUNCT
easat-3760	96	22	a	a	DET
easat-3760	96	23	/	/	SYM
easat-3760	96	24	b×c	b×c	PROPN
easat-3760	96	25	pt	pt	PROPN
easat-3760	96	26	.	.	PROPN
easat-3760	96	27	bank	bank	PROPN
easat-3760	96	28	mandiri	mandiri	NOUN
easat-3760	96	29	(	(	PUNCT
easat-3760	96	30	persero	persero	NOUN
easat-3760	96	31	)	)	PUNCT
easat-3760	96	32	,	,	PUNCT
easat-3760	96	33	tbk	tbk	NOUN
easat-3760	96	34	2020	2020	NUM
easat-3760	96	35	rp	rp	NOUN
easat-3760	96	36	.	.	PROPN
easat-3760	97	1	964,727,517	964,727,517	NUM
easat-3760	97	2	rp	rp	NOUN
easat-3760	97	3	.	.	PROPN
easat-3760	98	1	1,144,639,741	1,144,639,741	NUM
easat-3760	98	2	100	100	NUM
easat-3760	98	3	%	%	NOUN
easat-3760	98	4	84.3	84.3	NUM
easat-3760	98	5	%	%	NOUN
easat-3760	98	6	healthy	healthy	ADJ
easat-3760	98	7	2021	2021	NUM
easat-3760	98	8	rp	rp	NOUN
easat-3760	98	9	.	.	PROPN
easat-3760	98	10	1,050,156,922	1,050,156,922	NUM
easat-3760	99	1	rp	rp	NOUN
easat-3760	99	2	.	.	PUNCT
easat-3760	99	3	1,291,176,119	1,291,176,119	NUM
easat-3760	99	4	100	100	NUM
easat-3760	99	5	%	%	NOUN
easat-3760	99	6	81.3	81.3	NUM
easat-3760	99	7	%	%	NOUN
easat-3760	99	8	healthy	healthy	ADJ
easat-3760	99	9	pt	pt	PROPN
easat-3760	99	10	.	.	PROPN
easat-3760	99	11	bank	bank	PROPN
easat-3760	99	12	rakyat	rakyat	PROPN
easat-3760	99	13	indonesia	indonesia	PROPN
easat-3760	99	14	(	(	PUNCT
easat-3760	99	15	persero	persero	PROPN
easat-3760	99	16	)	)	PUNCT
easat-3760	99	17	,	,	PUNCT
easat-3760	99	18	tbk	tbk	NOUN
easat-3760	99	19	2020	2020	NUM
easat-3760	99	20	rp	rp	NOUN
easat-3760	99	21	.	.	PROPN
easat-3760	99	22	1,020,192,968	1,020,192,968	NUM
easat-3760	99	23	rp	rp	NOUN
easat-3760	99	24	.	.	PUNCT
easat-3760	99	25	1,120,921,926	1,120,921,926	NOUN
easat-3760	99	26	100	100	NUM
easat-3760	99	27	%	%	NOUN
easat-3760	99	28	91.0	91.0	NUM
easat-3760	99	29	%	%	NOUN
easat-3760	99	30	healthy	healthy	ADJ
easat-3760	99	31	enough	enough	ADJ
easat-3760	99	32	2021	2021	NUM
easat-3760	99	33	rp	rp	NOUN
easat-3760	99	34	.	.	PROPN
easat-3760	99	35	1,042,867,453	1,042,867,453	NUM
easat-3760	99	36	rp	rp	NOUN
easat-3760	99	37	.	.	PUNCT
easat-3760	100	1	1,138,743,215	1,138,743,215	NUM
easat-3760	100	2	100	100	NUM
easat-3760	100	3	%	%	NOUN
easat-3760	100	4	91.6	91.6	NUM
easat-3760	100	5	%	%	NOUN
easat-3760	100	6	healthy	healthy	ADJ
easat-3760	100	7	enough	enough	ADJ
easat-3760	100	8	pt	pt	PROPN
easat-3760	100	9	.	.	PROPN
easat-3760	100	10	bank	bank	PROPN
easat-3760	100	11	negara	negara	PROPN
easat-3760	100	12	indonesia	indonesia	PROPN
easat-3760	100	13	(	(	PUNCT
easat-3760	100	14	persero	persero	PROPN
easat-3760	100	15	)	)	PUNCT
easat-3760	100	16	,	,	PUNCT
easat-3760	100	17	tbk	tbk	NOUN
easat-3760	100	18	2020	2020	NUM
easat-3760	100	19	rp	rp	NOUN
easat-3760	100	20	.	.	PROPN
easat-3760	101	1	586,206,787	586,206,787	NUM
easat-3760	101	2	rp	rp	NOUN
easat-3760	101	3	.	.	PROPN
easat-3760	102	1	679,452,445	679,452,445	NUM
easat-3760	102	2	100	100	NUM
easat-3760	102	3	%	%	NOUN
easat-3760	102	4	86.3	86.3	NUM
easat-3760	102	5	%	%	NOUN
easat-3760	102	6	healthy	healthy	ADJ
easat-3760	102	7	enough	enough	ADJ
easat-3760	102	8	2021	2021	NUM
easat-3760	102	9	rp	rp	NOUN
easat-3760	102	10	.	.	PROPN
easat-3760	103	1	582,436,230	582,436,230	NUM
easat-3760	103	2	rp	rp	NOUN
easat-3760	103	3	.	.	PUNCT
easat-3760	104	1	729,168,611	729,168,611	NUM
easat-3760	104	2	100	100	NUM
easat-3760	104	3	%	%	NOUN
easat-3760	104	4	79.9	79.9	NUM
easat-3760	104	5	%	%	NOUN
easat-3760	104	6	healthy	healthy	ADJ
easat-3760	104	7	pt	pt	PROPN
easat-3760	104	8	.	.	PROPN
easat-3760	104	9	state	state	PROPN
easat-3760	104	10	savings	savings	PROPN
easat-3760	104	11	bank	bank	PROPN
easat-3760	104	12	(	(	PUNCT
easat-3760	104	13	persero	persero	PROPN
easat-3760	104	14	)	)	PUNCT
easat-3760	104	15	,	,	PUNCT
easat-3760	104	16	tbk	tbk	NOUN
easat-3760	104	17	2020	2020	NUM
easat-3760	104	18	rp	rp	NOUN
easat-3760	104	19	.	.	PROPN
easat-3760	105	1	260,114,163	260,114,163	NUM
easat-3760	105	2	rp	rp	NOUN
easat-3760	105	3	.	.	NOUN
easat-3760	106	1	278,990,918	278,990,918	NUM
easat-3760	106	2	100	100	NUM
easat-3760	106	3	%	%	NOUN
easat-3760	106	4	93.2	93.2	NUM
easat-3760	106	5	%	%	NOUN
easat-3760	106	6	healthy	healthy	ADJ
easat-3760	106	7	enough	enough	ADJ
easat-3760	106	8	2021	2021	NUM
easat-3760	106	9	rp	rp	NOUN
easat-3760	106	10	.	.	PROPN
easat-3760	107	1	274,835,291	274,835,291	NUM
easat-3760	107	2	rp	rp	NOUN
easat-3760	107	3	.	.	PUNCT
easat-3760	108	1	295,952,200	295,952,200	NUM
easat-3760	108	2	100	100	NUM
easat-3760	108	3	%	%	NOUN
easat-3760	108	4	92.9	92.9	NUM
easat-3760	108	5	%	%	NOUN
easat-3760	108	6	healthy	healthy	ADJ
easat-3760	108	7	enough	enough	ADJ
easat-3760	108	8	1	1	NUM
easat-3760	108	9	)	)	PUNCT
easat-3760	108	10	pt	pt	PROPN
easat-3760	108	11	.	.	PROPN
easat-3760	108	12	bank	bank	NOUN
easat-3760	108	13	mandiri	mandiri	NOUN
easat-3760	108	14	(	(	PUNCT
easat-3760	108	15	persero	persero	NOUN
easat-3760	108	16	)	)	PUNCT
easat-3760	108	17	,	,	PUNCT
easat-3760	108	18	tbk	tbk	PROPN
easat-3760	108	19	pt	pt	PROPN
easat-3760	108	20	.	.	PROPN
easat-3760	108	21	bank	bank	PROPN
easat-3760	108	22	mandiri	mandiri	NOUN
easat-3760	108	23	(	(	PUNCT
easat-3760	108	24	persero	persero	NOUN
easat-3760	108	25	)	)	PUNCT
easat-3760	108	26	,	,	PUNCT
easat-3760	108	27	tbk	tbk	VERB
easat-3760	108	28	during	during	ADP
easat-3760	108	29	the	the	DET
easat-3760	108	30	2020	2020	NUM
easat-3760	108	31	-	-	SYM
easat-3760	108	32	2021	2021	NUM
easat-3760	108	33	period	period	NOUN
easat-3760	108	34	obtained	obtain	VERB
easat-3760	108	35	a	a	DET
easat-3760	108	36	healthy	healthy	ADJ
easat-3760	108	37	ldr	ldr	NOUN
easat-3760	108	38	percentage	percentage	NOUN
easat-3760	108	39	.	.	PUNCT
easat-3760	109	1	this	this	PRON
easat-3760	109	2	is	be	AUX
easat-3760	109	3	due	due	ADJ
easat-3760	109	4	to	to	ADP
easat-3760	109	5	credit	credit	NOUN
easat-3760	109	6	growth	growth	NOUN
easat-3760	109	7	that	that	PRON
easat-3760	109	8	is	be	AUX
easat-3760	109	9	balanced	balance	VERB
easat-3760	109	10	with	with	ADP
easat-3760	109	11	periodic	periodic	ADJ
easat-3760	109	12	growth	growth	NOUN
easat-3760	109	13	in	in	ADP
easat-3760	109	14	third	third	ADJ
easat-3760	109	15	party	party	NOUN
easat-3760	109	16	funds	fund	NOUN
easat-3760	109	17	during	during	ADP
easat-3760	109	18	the	the	DET
easat-3760	109	19	period	period	NOUN
easat-3760	109	20	.	.	PUNCT
easat-3760	110	1	2	2	X
easat-3760	110	2	)	)	PUNCT
easat-3760	110	3	pt	pt	PROPN
easat-3760	110	4	.	.	PROPN
easat-3760	110	5	bank	bank	PROPN
easat-3760	110	6	rakyat	rakyat	PROPN
easat-3760	110	7	indonesia	indonesia	PROPN
easat-3760	110	8	(	(	PUNCT
easat-3760	110	9	persero	persero	PROPN
easat-3760	110	10	)	)	PUNCT
easat-3760	110	11	,	,	PUNCT
easat-3760	110	12	tbk	tbk	PROPN
easat-3760	110	13	pt	pt	PROPN
easat-3760	110	14	.	.	PROPN
easat-3760	110	15	bank	bank	PROPN
easat-3760	110	16	rakyat	rakyat	PROPN
easat-3760	110	17	indonesia	indonesia	PROPN
easat-3760	110	18	(	(	PUNCT
easat-3760	110	19	persero	persero	PROPN
easat-3760	110	20	)	)	PUNCT
easat-3760	110	21	,	,	PUNCT
easat-3760	110	22	tbk	tbk	PROPN
easat-3760	110	23	experienced	experience	VERB
easat-3760	110	24	a	a	DET
easat-3760	110	25	fairly	fairly	ADV
easat-3760	110	26	healthy	healthy	ADJ
easat-3760	110	27	ldr	ldr	NOUN
easat-3760	110	28	percentage	percentage	NOUN
easat-3760	110	29	.	.	PUNCT
easat-3760	111	1	total	total	ADJ
easat-3760	111	2	credit	credit	NOUN
easat-3760	111	3	and	and	CCONJ
easat-3760	111	4	third	third	ADJ
easat-3760	111	5	party	party	NOUN
easat-3760	111	6	funds	fund	NOUN
easat-3760	111	7	of	of	ADP
easat-3760	111	8	bri	bri	PROPN
easat-3760	111	9	bank	bank	PROPN
easat-3760	111	10	experienced	experience	VERB
easat-3760	111	11	growth	growth	NOUN
easat-3760	111	12	every	every	DET
easat-3760	111	13	year	year	NOUN
easat-3760	111	14	.	.	PUNCT
easat-3760	112	1	3	3	X
easat-3760	112	2	)	)	PUNCT
easat-3760	112	3	pt	pt	PROPN
easat-3760	112	4	.	.	PROPN
easat-3760	112	5	bank	bank	PROPN
easat-3760	112	6	negara	negara	PROPN
easat-3760	112	7	indonesia	indonesia	PROPN
easat-3760	112	8	(	(	PUNCT
easat-3760	112	9	persero	persero	PROPN
easat-3760	112	10	)	)	PUNCT
easat-3760	112	11	,	,	PUNCT
easat-3760	112	12	tbk	tbk	PROPN
easat-3760	112	13	pt	pt	PROPN
easat-3760	112	14	.	.	PROPN
easat-3760	112	15	bank	bank	PROPN
easat-3760	112	16	negara	negara	PROPN
easat-3760	112	17	indonesia	indonesia	PROPN
easat-3760	112	18	(	(	PUNCT
easat-3760	112	19	persero	persero	PROPN
easat-3760	112	20	)	)	PUNCT
easat-3760	112	21	,	,	PUNCT
easat-3760	112	22	tbk	tbk	PROPN
easat-3760	112	23	has	have	VERB
easat-3760	112	24	a	a	DET
easat-3760	112	25	healthy	healthy	ADJ
easat-3760	112	26	ldr	ldr	NOUN
easat-3760	112	27	percentage	percentage	NOUN
easat-3760	112	28	.	.	PUNCT
easat-3760	113	1	bni	bni	PROPN
easat-3760	113	2	's	's	PART
easat-3760	113	3	total	total	ADJ
easat-3760	113	4	credit	credit	NOUN
easat-3760	113	5	and	and	CCONJ
easat-3760	113	6	total	total	ADJ
easat-3760	113	7	third	third	ADJ
easat-3760	113	8	party	party	NOUN
easat-3760	113	9	funds	fund	NOUN
easat-3760	113	10	have	have	AUX
easat-3760	113	11	grown	grow	VERB
easat-3760	113	12	in	in	ADP
easat-3760	113	13	each	each	DET
easat-3760	113	14	period	period	NOUN
easat-3760	113	15	,	,	PUNCT
easat-3760	113	16	the	the	DET
easat-3760	113	17	ldr	ldr	NOUN
easat-3760	113	18	owned	own	VERB
easat-3760	113	19	by	by	ADP
easat-3760	113	20	this	this	DET
easat-3760	113	21	bank	bank	NOUN
easat-3760	113	22	has	have	AUX
easat-3760	113	23	improved	improve	VERB
easat-3760	113	24	from	from	ADP
easat-3760	113	25	quite	quite	ADV
easat-3760	113	26	healthy	healthy	ADJ
easat-3760	113	27	to	to	PART
easat-3760	113	28	healthy	healthy	ADJ
easat-3760	113	29	.	.	PUNCT
easat-3760	114	1	4	4	X
easat-3760	114	2	)	)	PUNCT
easat-3760	114	3	pt	pt	PROPN
easat-3760	114	4	.	.	PROPN
easat-3760	114	5	state	state	PROPN
easat-3760	114	6	savings	savings	PROPN
easat-3760	114	7	bank	bank	PROPN
easat-3760	114	8	(	(	PUNCT
easat-3760	114	9	persero	persero	PROPN
easat-3760	114	10	)	)	PUNCT
easat-3760	114	11	,	,	PUNCT
easat-3760	114	12	tbk	tbk	PROPN
easat-3760	114	13	pt	pt	PROPN
easat-3760	114	14	.	.	PROPN
easat-3760	114	15	bank	bank	PROPN
easat-3760	114	16	tabungan	tabungan	VERB
easat-3760	114	17	negara	negara	PROPN
easat-3760	114	18	(	(	PUNCT
easat-3760	114	19	persero	persero	PROPN
easat-3760	114	20	)	)	PUNCT
easat-3760	114	21	,	,	PUNCT
easat-3760	114	22	tbk	tbk	PROPN
easat-3760	114	23	has	have	VERB
easat-3760	114	24	a	a	DET
easat-3760	114	25	fairly	fairly	ADV
easat-3760	114	26	healthy	healthy	ADJ
easat-3760	114	27	ldr	ldr	NOUN
easat-3760	114	28	percentage	percentage	NOUN
easat-3760	114	29	in	in	ADP
easat-3760	114	30	2020	2020	NUM
easat-3760	114	31	and	and	CCONJ
easat-3760	114	32	2021	2021	NUM
easat-3760	114	33	.	.	PUNCT
easat-3760	115	1	8174	8174	NUM
easat-3760	115	2	edelweiss	edelweiss	PROPN
easat-3760	115	3	applied	apply	VERB
easat-3760	115	4	science	science	NOUN
easat-3760	115	5	and	and	CCONJ
easat-3760	115	6	technology	technology	NOUN
easat-3760	115	7	issn	issn	PROPN
easat-3760	115	8	:	:	PUNCT
easat-3760	115	9	2576	2576	NUM
easat-3760	115	10	-	-	SYM
easat-3760	115	11	8484	8484	NUM
easat-3760	115	12	vol	vol	NOUN
easat-3760	115	13	.	.	PROPN
easat-3760	115	14	8	8	NUM
easat-3760	115	15	,	,	PUNCT
easat-3760	115	16	no	no	INTJ
easat-3760	115	17	.	.	NOUN
easat-3760	116	1	6	6	NUM
easat-3760	116	2	:	:	SYM
easat-3760	116	3	8168	8168	NUM
easat-3760	116	4	-	-	SYM
easat-3760	116	5	8188	8188	NUM
easat-3760	116	6	,	,	PUNCT
easat-3760	116	7	2024	2024	NUM
easat-3760	116	8	doi	doi	NOUN
easat-3760	116	9	:	:	PUNCT
easat-3760	116	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	116	11	©	©	PROPN
easat-3760	116	12	2024	2024	NUM
easat-3760	116	13	by	by	ADP
easat-3760	116	14	the	the	DET
easat-3760	116	15	authors	author	NOUN
easat-3760	116	16	;	;	PUNCT
easat-3760	116	17	licensee	licensee	PROPN
easat-3760	116	18	learning	learn	VERB
easat-3760	116	19	gate	gate	PROPN
easat-3760	116	20	4.1.2	4.1.2	NUM
easat-3760	116	21	.	.	PUNCT
easat-3760	117	1	analysis	analysis	NOUN
easat-3760	117	2	of	of	ADP
easat-3760	117	3	financial	financial	ADJ
easat-3760	117	4	solvency	solvency	NOUN
easat-3760	117	5	ratio	ratio	NOUN
easat-3760	117	6	of	of	ADP
easat-3760	117	7	state	state	NOUN
easat-3760	117	8	-	-	PUNCT
easat-3760	117	9	owned	own	VERB
easat-3760	117	10	banks	bank	NOUN
easat-3760	117	11	for	for	ADP
easat-3760	117	12	the	the	DET
easat-3760	117	13	period	period	NOUN
easat-3760	117	14	2020	2020	NUM
easat-3760	117	15	-	-	SYM
easat-3760	117	16	2021	2021	NUM
easat-3760	117	17	table	table	NOUN
easat-3760	117	18	9	9	NUM
easat-3760	117	19	.	.	PUNCT
easat-3760	117	20	capital	capital	NOUN
easat-3760	117	21	adequacy	adequacy	NOUN
easat-3760	117	22	ratio	ratio	NOUN
easat-3760	117	23	(	(	PUNCT
easat-3760	117	24	car	car	NOUN
easat-3760	117	25	)	)	PUNCT
easat-3760	117	26	of	of	ADP
easat-3760	117	27	state	state	NOUN
easat-3760	117	28	-	-	PUNCT
easat-3760	117	29	owned	own	VERB
easat-3760	117	30	banks	bank	NOUN
easat-3760	117	31	for	for	ADP
easat-3760	117	32	the	the	DET
easat-3760	117	33	2020	2020	NUM
easat-3760	117	34	-	-	SYM
easat-3760	117	35	2021	2021	NUM
easat-3760	117	36	period	period	NOUN
easat-3760	117	37	.	.	PUNCT
easat-3760	118	1	(	(	PUNCT
easat-3760	118	2	expressed	express	VERB
easat-3760	118	3	in	in	ADP
easat-3760	118	4	millions	million	NOUN
easat-3760	118	5	of	of	ADP
easat-3760	118	6	rupiah	rupiah	NOUN
easat-3760	118	7	,	,	PUNCT
easat-3760	118	8	unless	unless	SCONJ
easat-3760	118	9	otherwise	otherwise	ADV
easat-3760	118	10	stated	state	VERB
easat-3760	118	11	)	)	PUNCT
easat-3760	118	12	year	year	NOUN
easat-3760	118	13	core	core	NOUN
easat-3760	118	14	capital	capital	NOUN
easat-3760	118	15	atmr	atmr	ADJ
easat-3760	118	16	100	100	NUM
easat-3760	118	17	%	%	NOUN
easat-3760	118	18	car	car	NOUN
easat-3760	118	19	ojk	ojk	NOUN
easat-3760	118	20	standards	standard	NOUN
easat-3760	118	21	(	(	PUNCT
easat-3760	118	22	a	a	NOUN
easat-3760	118	23	)	)	PUNCT
easat-3760	118	24	(	(	PUNCT
easat-3760	118	25	b	b	X
easat-3760	118	26	)	)	PUNCT
easat-3760	118	27	(	(	PUNCT
easat-3760	118	28	c	c	X
easat-3760	118	29	)	)	PUNCT
easat-3760	118	30	a	a	DET
easat-3760	118	31	/	/	SYM
easat-3760	118	32	b×c	b×c	PROPN
easat-3760	118	33	pt	pt	PROPN
easat-3760	118	34	.	.	PROPN
easat-3760	118	35	bank	bank	PROPN
easat-3760	118	36	mandiri	mandiri	NOUN
easat-3760	118	37	(	(	PUNCT
easat-3760	118	38	persero	persero	NOUN
easat-3760	118	39	)	)	PUNCT
easat-3760	118	40	,	,	PUNCT
easat-3760	119	1	tbk	tbk	NOUN
easat-3760	119	2	2020	2020	NUM
easat-3760	119	3	rp	rp	NOUN
easat-3760	119	4	.	.	PROPN
easat-3760	120	1	182,065,400	182,065,400	NUM
easat-3760	120	2	rp	rp	NOUN
easat-3760	120	3	.	.	PUNCT
easat-3760	121	1	988,801,635	988,801,635	NUM
easat-3760	121	2	100	100	NUM
easat-3760	121	3	%	%	NOUN
easat-3760	121	4	18.4	18.4	NUM
easat-3760	121	5	%	%	NOUN
easat-3760	121	6	very	very	ADV
easat-3760	121	7	healthy	healthy	ADJ
easat-3760	121	8	2021	2021	NUM
easat-3760	121	9	rp	rp	NOUN
easat-3760	121	10	.	.	PROPN
easat-3760	122	1	196,048,380	196,048,380	NUM
easat-3760	122	2	rp	rp	NOUN
easat-3760	122	3	.	.	PUNCT
easat-3760	123	1	1,064,602,090	1,064,602,090	NUM
easat-3760	123	2	100	100	NUM
easat-3760	123	3	%	%	NOUN
easat-3760	123	4	18.4	18.4	NUM
easat-3760	123	5	%	%	NOUN
easat-3760	123	6	very	very	ADV
easat-3760	123	7	healthy	healthy	ADJ
easat-3760	123	8	pt	pt	PROPN
easat-3760	123	9	.	.	PROPN
easat-3760	123	10	bank	bank	PROPN
easat-3760	123	11	rakyat	rakyat	PROPN
easat-3760	123	12	indonesia	indonesia	PROPN
easat-3760	123	13	(	(	PUNCT
easat-3760	123	14	persero	persero	PROPN
easat-3760	123	15	)	)	PUNCT
easat-3760	123	16	,	,	PUNCT
easat-3760	123	17	tbk	tbk	NOUN
easat-3760	123	18	2020	2020	NUM
easat-3760	124	1	rp	rp	NOUN
easat-3760	124	2	.	.	PROPN
easat-3760	125	1	187,205,189	187,205,189	NUM
easat-3760	125	2	rp	rp	NOUN
easat-3760	125	3	.	.	PUNCT
easat-3760	126	1	982,289,178	982,289,178	NUM
easat-3760	126	2	100	100	NUM
easat-3760	126	3	%	%	NOUN
easat-3760	126	4	19.1	19.1	NUM
easat-3760	126	5	%	%	NOUN
easat-3760	126	6	very	very	ADV
easat-3760	126	7	healthy	healthy	ADJ
easat-3760	126	8	2021	2021	NUM
easat-3760	126	9	rp	rp	NOUN
easat-3760	126	10	.	.	PROPN
easat-3760	127	1	267,009,045	267,009,045	NUM
easat-3760	127	2	rp	rp	NOUN
easat-3760	127	3	.	.	PUNCT
easat-3760	127	4	1,017,519,464	1,017,519,464	PROPN
easat-3760	127	5	100	100	NUM
easat-3760	127	6	%	%	NOUN
easat-3760	127	7	26.2	26.2	NUM
easat-3760	127	8	%	%	NOUN
easat-3760	127	9	very	very	ADV
easat-3760	127	10	healthy	healthy	ADJ
easat-3760	127	11	pt	pt	PROPN
easat-3760	127	12	.	.	PROPN
easat-3760	127	13	bank	bank	PROPN
easat-3760	127	14	negara	negara	PROPN
easat-3760	127	15	indonesia	indonesia	PROPN
easat-3760	127	16	(	(	PUNCT
easat-3760	127	17	persero	persero	PROPN
easat-3760	127	18	)	)	PUNCT
easat-3760	127	19	,	,	PUNCT
easat-3760	127	20	tbk	tbk	NOUN
easat-3760	127	21	2020	2020	NUM
easat-3760	127	22	rp	rp	PROPN
easat-3760	127	23	.	.	PROPN
easat-3760	128	1	103,111,486	103,111,486	NUM
easat-3760	128	2	rp	rp	NOUN
easat-3760	128	3	.	.	PUNCT
easat-3760	129	1	645,853,818	645,853,818	NUM
easat-3760	129	2	100	100	NUM
easat-3760	129	3	%	%	NOUN
easat-3760	129	4	16.0	16.0	NUM
easat-3760	129	5	%	%	NOUN
easat-3760	129	6	very	very	ADV
easat-3760	129	7	healthy	healthy	ADJ
easat-3760	129	8	2021	2021	NUM
easat-3760	129	9	rp	rp	NOUN
easat-3760	129	10	.	.	PROPN
easat-3760	130	1	122,869,965	122,869,965	NUM
easat-3760	130	2	rp	rp	NOUN
easat-3760	130	3	.	.	PROPN
easat-3760	131	1	655,545,739	655,545,739	NUM
easat-3760	131	2	100	100	NUM
easat-3760	131	3	%	%	NOUN
easat-3760	131	4	18.7	18.7	NUM
easat-3760	131	5	%	%	NOUN
easat-3760	131	6	very	very	ADV
easat-3760	131	7	healthy	healthy	ADJ
easat-3760	131	8	pt	pt	PROPN
easat-3760	131	9	.	.	PROPN
easat-3760	131	10	state	state	PROPN
easat-3760	131	11	savings	savings	PROPN
easat-3760	131	12	bank	bank	PROPN
easat-3760	131	13	(	(	PUNCT
easat-3760	131	14	persero	persero	PROPN
easat-3760	131	15	)	)	PUNCT
easat-3760	131	16	,	,	PUNCT
easat-3760	131	17	tbk	tbk	NOUN
easat-3760	131	18	2020	2020	NUM
easat-3760	131	19	rp	rp	NOUN
easat-3760	131	20	.	.	PROPN
easat-3760	131	21	17,625,854	17,625,854	NUM
easat-3760	131	22	rp	rp	NOUN
easat-3760	131	23	.	.	PROPN
easat-3760	132	1	129,249,781	129,249,781	NUM
easat-3760	132	2	100	100	NUM
easat-3760	132	3	%	%	NOUN
easat-3760	132	4	13.6	13.6	NUM
easat-3760	132	5	%	%	NOUN
easat-3760	132	6	very	very	ADV
easat-3760	132	7	healthy	healthy	ADJ
easat-3760	132	8	2021	2021	NUM
easat-3760	132	9	rp	rp	NOUN
easat-3760	132	10	.	.	PROPN
easat-3760	132	11	18,531,612	18,531,612	NUM
easat-3760	132	12	rp	rp	NOUN
easat-3760	132	13	.	.	PROPN
easat-3760	133	1	134,340,567	134,340,567	NUM
easat-3760	133	2	100	100	NUM
easat-3760	133	3	%	%	NOUN
easat-3760	133	4	13.8	13.8	NUM
easat-3760	133	5	%	%	NOUN
easat-3760	133	6	very	very	ADV
easat-3760	133	7	healthy	healthy	ADJ
easat-3760	133	8	1	1	NUM
easat-3760	133	9	)	)	PUNCT
easat-3760	133	10	pt	pt	PROPN
easat-3760	133	11	.	.	PROPN
easat-3760	133	12	bank	bank	NOUN
easat-3760	133	13	mandiri	mandiri	NOUN
easat-3760	133	14	(	(	PUNCT
easat-3760	133	15	persero	persero	NOUN
easat-3760	133	16	)	)	PUNCT
easat-3760	133	17	,	,	PUNCT
easat-3760	133	18	tbk	tbk	PROPN
easat-3760	133	19	pt	pt	PROPN
easat-3760	133	20	.	.	PROPN
easat-3760	133	21	bank	bank	PROPN
easat-3760	133	22	mandiri	mandiri	NOUN
easat-3760	133	23	(	(	PUNCT
easat-3760	133	24	persero	persero	NOUN
easat-3760	133	25	)	)	PUNCT
easat-3760	133	26	,	,	PUNCT
easat-3760	133	27	tbk	tbk	PROPN
easat-3760	133	28	has	have	VERB
easat-3760	133	29	a	a	DET
easat-3760	133	30	car	car	NOUN
easat-3760	133	31	percentage	percentage	NOUN
easat-3760	133	32	that	that	PRON
easat-3760	133	33	is	be	AUX
easat-3760	133	34	in	in	ADP
easat-3760	133	35	the	the	DET
easat-3760	133	36	very	very	ADV
easat-3760	133	37	healthy	healthy	ADJ
easat-3760	133	38	category	category	NOUN
easat-3760	133	39	during	during	ADP
easat-3760	133	40	the	the	DET
easat-3760	133	41	2020	2020	NUM
easat-3760	133	42	-	-	SYM
easat-3760	133	43	2021	2021	NUM
easat-3760	133	44	period	period	NOUN
easat-3760	133	45	.	.	PUNCT
easat-3760	134	1	bank	bank	NOUN
easat-3760	134	2	mandiri	mandiri	NOUN
easat-3760	134	3	has	have	VERB
easat-3760	134	4	an	an	DET
easat-3760	134	5	atmr	atmr	ADJ
easat-3760	134	6	nominal	nominal	NOUN
easat-3760	134	7	that	that	PRON
easat-3760	134	8	continues	continue	VERB
easat-3760	134	9	to	to	PART
easat-3760	134	10	increase	increase	VERB
easat-3760	134	11	during	during	ADP
easat-3760	134	12	the	the	DET
easat-3760	134	13	2020	2020	NUM
easat-3760	134	14	-	-	SYM
easat-3760	134	15	2021	2021	NUM
easat-3760	134	16	period	period	NOUN
easat-3760	134	17	.	.	PUNCT
easat-3760	135	1	2	2	X
easat-3760	135	2	)	)	PUNCT
easat-3760	135	3	pt	pt	PROPN
easat-3760	135	4	.	.	PROPN
easat-3760	135	5	bank	bank	PROPN
easat-3760	135	6	rakyat	rakyat	PROPN
easat-3760	135	7	indonesia	indonesia	PROPN
easat-3760	135	8	(	(	PUNCT
easat-3760	135	9	persero	persero	PROPN
easat-3760	135	10	)	)	PUNCT
easat-3760	135	11	,	,	PUNCT
easat-3760	135	12	tbk	tbk	PROPN
easat-3760	135	13	pt	pt	PROPN
easat-3760	135	14	.	.	PROPN
easat-3760	135	15	bank	bank	PROPN
easat-3760	135	16	rakyat	rakyat	PROPN
easat-3760	135	17	indonesia	indonesia	PROPN
easat-3760	135	18	(	(	PUNCT
easat-3760	135	19	persero	persero	PROPN
easat-3760	135	20	)	)	PUNCT
easat-3760	135	21	,	,	PUNCT
easat-3760	135	22	tbk	tbk	PROPN
easat-3760	135	23	has	have	VERB
easat-3760	135	24	a	a	DET
easat-3760	135	25	nominal	nominal	ADJ
easat-3760	135	26	atmr	atmr	NOUN
easat-3760	135	27	that	that	PRON
easat-3760	135	28	continues	continue	VERB
easat-3760	135	29	to	to	PART
easat-3760	135	30	increase	increase	VERB
easat-3760	135	31	during	during	ADP
easat-3760	135	32	the	the	DET
easat-3760	135	33	2020	2020	NUM
easat-3760	135	34	-	-	SYM
easat-3760	135	35	2021	2021	NUM
easat-3760	135	36	period	period	NOUN
easat-3760	135	37	and	and	CCONJ
easat-3760	135	38	the	the	DET
easat-3760	135	39	car	car	NOUN
easat-3760	135	40	ratio	ratio	NOUN
easat-3760	135	41	is	be	AUX
easat-3760	135	42	in	in	ADP
easat-3760	135	43	the	the	DET
easat-3760	135	44	very	very	ADV
easat-3760	135	45	healthy	healthy	ADJ
easat-3760	135	46	category	category	NOUN
easat-3760	135	47	.	.	PUNCT
easat-3760	136	1	3	3	X
easat-3760	136	2	)	)	PUNCT
easat-3760	136	3	pt	pt	PROPN
easat-3760	136	4	.	.	PROPN
easat-3760	136	5	bank	bank	PROPN
easat-3760	136	6	negara	negara	PROPN
easat-3760	136	7	indonesia	indonesia	PROPN
easat-3760	136	8	(	(	PUNCT
easat-3760	136	9	persero	persero	PROPN
easat-3760	136	10	)	)	PUNCT
easat-3760	136	11	,	,	PUNCT
easat-3760	136	12	tbk	tbk	PROPN
easat-3760	136	13	pt	pt	PROPN
easat-3760	136	14	.	.	PROPN
easat-3760	136	15	bank	bank	PROPN
easat-3760	136	16	negara	negara	PROPN
easat-3760	136	17	indonesia	indonesia	PROPN
easat-3760	136	18	(	(	PUNCT
easat-3760	136	19	persero	persero	PROPN
easat-3760	136	20	)	)	PUNCT
easat-3760	136	21	,	,	PUNCT
easat-3760	136	22	tbk	tbk	PROPN
easat-3760	136	23	has	have	VERB
easat-3760	136	24	a	a	DET
easat-3760	136	25	nominal	nominal	ADJ
easat-3760	136	26	atmr	atmr	NOUN
easat-3760	136	27	that	that	PRON
easat-3760	136	28	continues	continue	VERB
easat-3760	136	29	to	to	PART
easat-3760	136	30	increase	increase	VERB
easat-3760	136	31	during	during	ADP
easat-3760	136	32	the	the	DET
easat-3760	136	33	2020	2020	NUM
easat-3760	136	34	-	-	SYM
easat-3760	136	35	2021	2021	NUM
easat-3760	136	36	period	period	NOUN
easat-3760	136	37	,	,	PUNCT
easat-3760	136	38	while	while	SCONJ
easat-3760	136	39	the	the	DET
easat-3760	136	40	bank	bank	NOUN
easat-3760	136	41	's	's	PART
easat-3760	136	42	core	core	NOUN
easat-3760	136	43	capital	capital	NOUN
easat-3760	136	44	also	also	ADV
easat-3760	136	45	increased	increase	VERB
easat-3760	136	46	on	on	ADP
easat-3760	136	47	average	average	ADJ
easat-3760	136	48	.	.	PUNCT
easat-3760	137	1	4	4	NUM
easat-3760	137	2	)	)	PUNCT
easat-3760	137	3	pt	pt	PROPN
easat-3760	137	4	.	.	PROPN
easat-3760	137	5	state	state	PROPN
easat-3760	137	6	savings	savings	PROPN
easat-3760	137	7	bank	bank	PROPN
easat-3760	137	8	(	(	PUNCT
easat-3760	137	9	persero	persero	PROPN
easat-3760	137	10	)	)	PUNCT
easat-3760	137	11	,	,	PUNCT
easat-3760	137	12	tbk	tbk	PROPN
easat-3760	137	13	pt	pt	PROPN
easat-3760	137	14	.	.	PROPN
easat-3760	137	15	bank	bank	PROPN
easat-3760	137	16	tabungan	tabungan	VERB
easat-3760	137	17	negara	negara	PROPN
easat-3760	137	18	(	(	PUNCT
easat-3760	137	19	persero	persero	PROPN
easat-3760	137	20	)	)	PUNCT
easat-3760	137	21	,	,	PUNCT
easat-3760	137	22	tbk	tbk	PROPN
easat-3760	137	23	has	have	VERB
easat-3760	137	24	an	an	DET
easat-3760	137	25	atmr	atmr	ADJ
easat-3760	137	26	nominal	nominal	ADJ
easat-3760	137	27	and	and	CCONJ
easat-3760	137	28	core	core	NOUN
easat-3760	137	29	bank	bank	NOUN
easat-3760	137	30	capital	capital	NOUN
easat-3760	137	31	that	that	PRON
easat-3760	137	32	has	have	AUX
easat-3760	137	33	increased	increase	VERB
easat-3760	137	34	on	on	ADP
easat-3760	137	35	average	average	ADJ
easat-3760	137	36	,	,	PUNCT
easat-3760	137	37	except	except	SCONJ
easat-3760	137	38	in	in	ADP
easat-3760	137	39	2020	2020	NUM
easat-3760	137	40	which	which	PRON
easat-3760	137	41	experienced	experience	VERB
easat-3760	137	42	a	a	DET
easat-3760	137	43	decline	decline	NOUN
easat-3760	137	44	.	.	PUNCT
easat-3760	138	1	8175	8175	NUM
easat-3760	138	2	edelweiss	edelweiss	PROPN
easat-3760	138	3	applied	apply	VERB
easat-3760	138	4	science	science	NOUN
easat-3760	138	5	and	and	CCONJ
easat-3760	138	6	technology	technology	NOUN
easat-3760	138	7	issn	issn	PROPN
easat-3760	138	8	:	:	PUNCT
easat-3760	138	9	2576	2576	NUM
easat-3760	138	10	-	-	SYM
easat-3760	138	11	8484	8484	NUM
easat-3760	138	12	vol	vol	NOUN
easat-3760	138	13	.	.	PROPN
easat-3760	138	14	8	8	NUM
easat-3760	138	15	,	,	PUNCT
easat-3760	138	16	no	no	INTJ
easat-3760	138	17	.	.	NOUN
easat-3760	139	1	6	6	NUM
easat-3760	139	2	:	:	SYM
easat-3760	139	3	8168	8168	NUM
easat-3760	139	4	-	-	SYM
easat-3760	139	5	8188	8188	NUM
easat-3760	139	6	,	,	PUNCT
easat-3760	139	7	2024	2024	NUM
easat-3760	139	8	doi	doi	NOUN
easat-3760	139	9	:	:	PUNCT
easat-3760	139	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	139	11	©	©	PROPN
easat-3760	139	12	2024	2024	NUM
easat-3760	139	13	by	by	ADP
easat-3760	139	14	the	the	DET
easat-3760	139	15	authors	author	NOUN
easat-3760	139	16	;	;	PUNCT
easat-3760	139	17	licensee	licensee	PROPN
easat-3760	139	18	learning	learning	NOUN
easat-3760	139	19	gate	gate	NOUN
easat-3760	139	20	4.1.3	4.1.3	NUM
easat-3760	139	21	.	.	PUNCT
easat-3760	140	1	analysis	analysis	NOUN
easat-3760	140	2	of	of	ADP
easat-3760	140	3	financial	financial	ADJ
easat-3760	140	4	profitability	profitability	NOUN
easat-3760	140	5	ratio	ratio	NOUN
easat-3760	140	6	of	of	ADP
easat-3760	140	7	state	state	NOUN
easat-3760	140	8	-	-	PUNCT
easat-3760	140	9	owned	own	VERB
easat-3760	140	10	banks	bank	NOUN
easat-3760	140	11	for	for	ADP
easat-3760	140	12	the	the	DET
easat-3760	140	13	period	period	NOUN
easat-3760	140	14	2020	2020	NUM
easat-3760	140	15	-	-	SYM
easat-3760	140	16	2021	2021	NUM
easat-3760	140	17	4.1.3.1	4.1.3.1	PROPN
easat-3760	140	18	.	.	PUNCT
easat-3760	141	1	return	return	NOUN
easat-3760	141	2	on	on	ADP
easat-3760	141	3	assets	asset	NOUN
easat-3760	141	4	(	(	PUNCT
easat-3760	141	5	roa	roa	NOUN
easat-3760	141	6	)	)	PUNCT
easat-3760	141	7	table	table	NOUN
easat-3760	141	8	10	10	NUM
easat-3760	141	9	.	.	PUNCT
easat-3760	142	1	return	return	VERB
easat-3760	142	2	on	on	ADP
easat-3760	142	3	assets	asset	NOUN
easat-3760	142	4	(	(	PUNCT
easat-3760	142	5	roa	roa	NOUN
easat-3760	142	6	)	)	PUNCT
easat-3760	142	7	of	of	ADP
easat-3760	142	8	bumn	bumn	NOUN
easat-3760	142	9	banks	bank	NOUN
easat-3760	142	10	for	for	ADP
easat-3760	142	11	the	the	DET
easat-3760	142	12	2020	2020	NUM
easat-3760	142	13	-	-	SYM
easat-3760	142	14	2021	2021	NUM
easat-3760	142	15	period	period	NOUN
easat-3760	142	16	.	.	PUNCT
easat-3760	143	1	(	(	PUNCT
easat-3760	143	2	expressed	express	VERB
easat-3760	143	3	in	in	ADP
easat-3760	143	4	millions	million	NOUN
easat-3760	143	5	of	of	ADP
easat-3760	143	6	rupiah	rupiah	NOUN
easat-3760	143	7	,	,	PUNCT
easat-3760	143	8	unless	unless	SCONJ
easat-3760	143	9	otherwise	otherwise	ADV
easat-3760	143	10	stated	state	VERB
easat-3760	143	11	)	)	PUNCT
easat-3760	143	12	year	year	NOUN
easat-3760	143	13	profit	profit	NOUN
easat-3760	143	14	before	before	ADP
easat-3760	143	15	tax	tax	NOUN
easat-3760	143	16	total	total	ADJ
easat-3760	143	17	assets	asset	NOUN
easat-3760	143	18	100	100	NUM
easat-3760	143	19	%	%	NOUN
easat-3760	143	20	roa	roa	PROPN
easat-3760	143	21	ojk	ojk	NOUN
easat-3760	143	22	standards	standard	NOUN
easat-3760	143	23	(	(	PUNCT
easat-3760	143	24	a	a	NOUN
easat-3760	143	25	)	)	PUNCT
easat-3760	143	26	(	(	PUNCT
easat-3760	143	27	b	b	X
easat-3760	143	28	)	)	PUNCT
easat-3760	143	29	(	(	PUNCT
easat-3760	143	30	c	c	X
easat-3760	143	31	)	)	PUNCT
easat-3760	143	32	a	a	DET
easat-3760	143	33	/	/	SYM
easat-3760	143	34	b×c	b×c	PROPN
easat-3760	143	35	pt	pt	PROPN
easat-3760	143	36	.	.	PROPN
easat-3760	143	37	bank	bank	PROPN
easat-3760	143	38	mandiri	mandiri	NOUN
easat-3760	143	39	(	(	PUNCT
easat-3760	143	40	persero	persero	NOUN
easat-3760	143	41	)	)	PUNCT
easat-3760	143	42	,	,	PUNCT
easat-3760	143	43	tbk	tbk	NOUN
easat-3760	143	44	2020	2020	NUM
easat-3760	143	45	rp	rp	NOUN
easat-3760	143	46	.	.	PUNCT
easat-3760	144	1	24,392,405	24,392,405	NUM
easat-3760	144	2	rp	rp	NOUN
easat-3760	144	3	.	.	PUNCT
easat-3760	144	4	1,541,964,567	1,541,964,567	NUM
easat-3760	144	5	100	100	NUM
easat-3760	144	6	%	%	NOUN
easat-3760	144	7	1.6	1.6	NUM
easat-3760	144	8	%	%	NOUN
easat-3760	144	9	healthy	healthy	ADJ
easat-3760	144	10	enough	enough	ADJ
easat-3760	144	11	2021	2021	NUM
easat-3760	144	12	rp	rp	NOUN
easat-3760	144	13	.	.	PROPN
easat-3760	145	1	38,358,421	38,358,421	NUM
easat-3760	145	2	rp	rp	NOUN
easat-3760	145	3	.	.	PROPN
easat-3760	145	4	1,725,611,128	1,725,611,128	NUM
easat-3760	145	5	100	100	NUM
easat-3760	145	6	%	%	NOUN
easat-3760	145	7	2.2	2.2	NUM
easat-3760	145	8	%	%	NOUN
easat-3760	145	9	healthy	healthy	ADJ
easat-3760	145	10	pt	pt	PROPN
easat-3760	145	11	.	.	PROPN
easat-3760	145	12	bank	bank	PROPN
easat-3760	145	13	rakyat	rakyat	PROPN
easat-3760	145	14	indonesia	indonesia	PROPN
easat-3760	145	15	(	(	PUNCT
easat-3760	145	16	persero	persero	PROPN
easat-3760	145	17	)	)	PUNCT
easat-3760	145	18	,	,	PUNCT
easat-3760	145	19	tbk	tbk	NOUN
easat-3760	145	20	2020	2020	NUM
easat-3760	145	21	rp	rp	NOUN
easat-3760	145	22	.	.	PROPN
easat-3760	145	23	29,993,406	29,993,406	NUM
easat-3760	145	24	rp	rp	NOUN
easat-3760	145	25	.	.	PUNCT
easat-3760	146	1	1,610,065,344	1,610,065,344	NUM
easat-3760	146	2	100	100	NUM
easat-3760	146	3	%	%	NOUN
easat-3760	146	4	1.9	1.9	NUM
easat-3760	146	5	%	%	NOUN
easat-3760	146	6	very	very	ADV
easat-3760	146	7	healthy	healthy	ADJ
easat-3760	146	8	2021	2021	NUM
easat-3760	146	9	rp	rp	NOUN
easat-3760	146	10	.	.	PROPN
easat-3760	147	1	40,992,065	40,992,065	NUM
easat-3760	147	2	rp	rp	NOUN
easat-3760	147	3	.	.	PUNCT
easat-3760	148	1	1,678,097,734	1,678,097,734	NUM
easat-3760	148	2	100	100	NUM
easat-3760	148	3	%	%	NOUN
easat-3760	148	4	2.4	2.4	NUM
easat-3760	148	5	%	%	NOUN
easat-3760	148	6	very	very	ADV
easat-3760	148	7	healthy	healthy	ADJ
easat-3760	148	8	pt	pt	PROPN
easat-3760	148	9	.	.	PROPN
easat-3760	148	10	bank	bank	PROPN
easat-3760	148	11	negara	negara	PROPN
easat-3760	148	12	indonesia	indonesia	PROPN
easat-3760	148	13	(	(	PUNCT
easat-3760	148	14	persero	persero	PROPN
easat-3760	148	15	)	)	PUNCT
easat-3760	148	16	,	,	PUNCT
easat-3760	148	17	tbk	tbk	NOUN
easat-3760	148	18	2020	2020	NUM
easat-3760	148	19	rp	rp	NOUN
easat-3760	148	20	.	.	PROPN
easat-3760	149	1	5,112,153	5,112,153	NUM
easat-3760	149	2	rp	rp	NOUN
easat-3760	149	3	.	.	PROPN
easat-3760	149	4	891,337,425	891,337,425	NUM
easat-3760	149	5	100	100	NUM
easat-3760	149	6	%	%	NOUN
easat-3760	149	7	0.6	0.6	NUM
easat-3760	149	8	%	%	NOUN
easat-3760	149	9	healthy	healthy	ADJ
easat-3760	149	10	enough	enough	ADV
easat-3760	149	11	2021	2021	NUM
easat-3760	149	12	rp	rp	NOUN
easat-3760	149	13	.	.	PROPN
easat-3760	150	1	12,550,987	12,550,987	NUM
easat-3760	150	2	rp	rp	NOUN
easat-3760	150	3	.	.	PROPN
easat-3760	151	1	964,837,692	964,837,692	NUM
easat-3760	151	2	100	100	NUM
easat-3760	151	3	%	%	NOUN
easat-3760	151	4	1.3	1.3	NUM
easat-3760	151	5	%	%	NOUN
easat-3760	151	6	healthy	healthy	ADJ
easat-3760	151	7	pt	pt	PROPN
easat-3760	151	8	.	.	PROPN
easat-3760	151	9	state	state	PROPN
easat-3760	151	10	savings	savings	PROPN
easat-3760	151	11	bank	bank	PROPN
easat-3760	151	12	(	(	PUNCT
easat-3760	151	13	persero	persero	PROPN
easat-3760	151	14	)	)	PUNCT
easat-3760	151	15	,	,	PUNCT
easat-3760	151	16	tbk	tbk	NOUN
easat-3760	151	17	2020	2020	NUM
easat-3760	151	18	rp	rp	NOUN
easat-3760	151	19	.	.	PROPN
easat-3760	151	20	2,270,857	2,270,857	NUM
easat-3760	151	21	rp	rp	NOUN
easat-3760	151	22	.	.	PROPN
easat-3760	152	1	361,208,406	361,208,406	NUM
easat-3760	152	2	100	100	NUM
easat-3760	152	3	%	%	NOUN
easat-3760	152	4	0.6	0.6	NUM
easat-3760	152	5	%	%	NOUN
easat-3760	152	6	healthy	healthy	ADJ
easat-3760	152	7	enough	enough	ADJ
easat-3760	152	8	2021	2021	NUM
easat-3760	152	9	rp	rp	NOUN
easat-3760	152	10	.	.	NOUN
easat-3760	152	11	2,993,320	2,993,320	NUM
easat-3760	152	12	rp	rp	NOUN
easat-3760	152	13	.	.	PUNCT
easat-3760	153	1	371,868,311	371,868,311	NUM
easat-3760	153	2	100	100	NUM
easat-3760	153	3	%	%	NOUN
easat-3760	153	4	0.8	0.8	NUM
easat-3760	153	5	%	%	NOUN
easat-3760	153	6	healthy	healthy	ADJ
easat-3760	153	7	enough	enough	ADV
easat-3760	153	8	4.1.3.2	4.1.3.2	NUM
easat-3760	153	9	.	.	PUNCT
easat-3760	154	1	pt	pt	PROPN
easat-3760	154	2	.	.	PROPN
easat-3760	154	3	bank	bank	PROPN
easat-3760	154	4	mandiri	mandiri	NOUN
easat-3760	154	5	(	(	PUNCT
easat-3760	154	6	persero	persero	NOUN
easat-3760	154	7	)	)	PUNCT
easat-3760	154	8	,	,	PUNCT
easat-3760	154	9	tbk	tbk	PROPN
easat-3760	154	10	pt	pt	PROPN
easat-3760	154	11	.	.	PROPN
easat-3760	154	12	bank	bank	PROPN
easat-3760	154	13	mandiri	mandiri	NOUN
easat-3760	154	14	(	(	PUNCT
easat-3760	154	15	persero	persero	NOUN
easat-3760	154	16	)	)	PUNCT
easat-3760	154	17	,	,	PUNCT
easat-3760	154	18	tbk	tbk	PROPN
easat-3760	154	19	experienced	experience	VERB
easat-3760	154	20	an	an	DET
easat-3760	154	21	increase	increase	NOUN
easat-3760	154	22	in	in	ADP
easat-3760	154	23	roa	roa	PROPN
easat-3760	154	24	percentage	percentage	NOUN
easat-3760	154	25	in	in	ADP
easat-3760	154	26	2021	2021	NUM
easat-3760	154	27	.	.	PUNCT
easat-3760	155	1	this	this	DET
easat-3760	155	2	increase	increase	NOUN
easat-3760	155	3	was	be	AUX
easat-3760	155	4	influenced	influence	VERB
easat-3760	155	5	by	by	ADP
easat-3760	155	6	the	the	DET
easat-3760	155	7	increase	increase	NOUN
easat-3760	155	8	in	in	ADP
easat-3760	155	9	the	the	DET
easat-3760	155	10	nominal	nominal	ADJ
easat-3760	155	11	profit	profit	NOUN
easat-3760	155	12	before	before	ADP
easat-3760	155	13	tax	tax	NOUN
easat-3760	155	14	received	receive	VERB
easat-3760	155	15	.	.	PUNCT
easat-3760	156	1	1	1	X
easat-3760	156	2	)	)	PUNCT
easat-3760	156	3	pt	pt	PROPN
easat-3760	156	4	.	.	PROPN
easat-3760	156	5	bank	bank	PROPN
easat-3760	156	6	rakyat	rakyat	PROPN
easat-3760	156	7	indonesia	indonesia	PROPN
easat-3760	156	8	(	(	PUNCT
easat-3760	156	9	persero	persero	PROPN
easat-3760	156	10	)	)	PUNCT
easat-3760	156	11	,	,	PUNCT
easat-3760	156	12	tbk	tbk	PROPN
easat-3760	156	13	pt	pt	PROPN
easat-3760	156	14	.	.	PROPN
easat-3760	156	15	bank	bank	PROPN
easat-3760	156	16	rakyat	rakyat	PROPN
easat-3760	156	17	indonesia	indonesia	PROPN
easat-3760	156	18	(	(	PUNCT
easat-3760	156	19	persero	persero	PROPN
easat-3760	156	20	)	)	PUNCT
easat-3760	156	21	,	,	PUNCT
easat-3760	156	22	tbk	tbk	PROPN
easat-3760	156	23	experienced	experience	VERB
easat-3760	156	24	an	an	DET
easat-3760	156	25	increase	increase	NOUN
easat-3760	156	26	in	in	ADP
easat-3760	156	27	roa	roa	PROPN
easat-3760	156	28	percentage	percentage	NOUN
easat-3760	156	29	in	in	ADP
easat-3760	156	30	2021	2021	NUM
easat-3760	156	31	and	and	CCONJ
easat-3760	156	32	is	be	AUX
easat-3760	156	33	in	in	ADP
easat-3760	156	34	the	the	DET
easat-3760	156	35	very	very	ADV
easat-3760	156	36	healthy	healthy	ADJ
easat-3760	156	37	category	category	NOUN
easat-3760	156	38	.	.	PUNCT
easat-3760	157	1	2	2	X
easat-3760	157	2	)	)	PUNCT
easat-3760	157	3	pt	pt	PROPN
easat-3760	157	4	.	.	PROPN
easat-3760	157	5	bank	bank	PROPN
easat-3760	157	6	negara	negara	PROPN
easat-3760	157	7	indonesia	indonesia	PROPN
easat-3760	157	8	(	(	PUNCT
easat-3760	157	9	persero	persero	PROPN
easat-3760	157	10	)	)	PUNCT
easat-3760	157	11	,	,	PUNCT
easat-3760	157	12	tbk	tbk	PROPN
easat-3760	157	13	pt	pt	PROPN
easat-3760	157	14	.	.	PROPN
easat-3760	157	15	bank	bank	PROPN
easat-3760	157	16	negara	negara	PROPN
easat-3760	157	17	indonesia	indonesia	PROPN
easat-3760	157	18	(	(	PUNCT
easat-3760	157	19	persero	persero	PROPN
easat-3760	157	20	)	)	PUNCT
easat-3760	157	21	,	,	PUNCT
easat-3760	157	22	tbk	tbk	PROPN
easat-3760	157	23	experienced	experience	VERB
easat-3760	157	24	a	a	DET
easat-3760	157	25	decrease	decrease	NOUN
easat-3760	157	26	in	in	ADP
easat-3760	157	27	roa	roa	PROPN
easat-3760	157	28	percentage	percentage	NOUN
easat-3760	157	29	in	in	ADP
easat-3760	157	30	2020	2020	NUM
easat-3760	157	31	and	and	CCONJ
easat-3760	157	32	was	be	AUX
easat-3760	157	33	in	in	ADP
easat-3760	157	34	the	the	DET
easat-3760	157	35	fairly	fairly	ADV
easat-3760	157	36	healthy	healthy	ADJ
easat-3760	157	37	category	category	NOUN
easat-3760	157	38	.	.	PUNCT
easat-3760	158	1	3	3	X
easat-3760	158	2	)	)	PUNCT
easat-3760	158	3	pt	pt	PROPN
easat-3760	158	4	.	.	PROPN
easat-3760	158	5	state	state	PROPN
easat-3760	158	6	savings	savings	PROPN
easat-3760	158	7	bank	bank	PROPN
easat-3760	158	8	(	(	PUNCT
easat-3760	158	9	persero	persero	PROPN
easat-3760	158	10	)	)	PUNCT
easat-3760	158	11	,	,	PUNCT
easat-3760	158	12	tbk	tbk	PROPN
easat-3760	158	13	pt	pt	PROPN
easat-3760	158	14	.	.	PROPN
easat-3760	158	15	bank	bank	PROPN
easat-3760	158	16	tabungan	tabungan	VERB
easat-3760	158	17	negara	negara	PROPN
easat-3760	158	18	(	(	PUNCT
easat-3760	158	19	persero	persero	PROPN
easat-3760	158	20	)	)	PUNCT
easat-3760	158	21	,	,	PUNCT
easat-3760	158	22	tbk	tbk	PROPN
easat-3760	158	23	experienced	experience	VERB
easat-3760	158	24	a	a	DET
easat-3760	158	25	percentage	percentage	NOUN
easat-3760	158	26	decline	decline	NOUN
easat-3760	158	27	in	in	ADP
easat-3760	158	28	2020	2020	NUM
easat-3760	158	29	and	and	CCONJ
easat-3760	158	30	was	be	AUX
easat-3760	158	31	in	in	ADP
easat-3760	158	32	the	the	DET
easat-3760	158	33	fairly	fairly	ADV
easat-3760	158	34	healthy	healthy	ADJ
easat-3760	158	35	category	category	NOUN
easat-3760	158	36	.	.	PUNCT
easat-3760	159	1	8176	8176	NUM
easat-3760	159	2	edelweiss	edelweiss	PROPN
easat-3760	159	3	applied	apply	VERB
easat-3760	159	4	science	science	NOUN
easat-3760	159	5	and	and	CCONJ
easat-3760	159	6	technology	technology	NOUN
easat-3760	159	7	issn	issn	PROPN
easat-3760	159	8	:	:	PUNCT
easat-3760	159	9	2576	2576	NUM
easat-3760	159	10	-	-	SYM
easat-3760	159	11	8484	8484	NUM
easat-3760	159	12	vol	vol	NOUN
easat-3760	159	13	.	.	PROPN
easat-3760	159	14	8	8	NUM
easat-3760	159	15	,	,	PUNCT
easat-3760	159	16	no	no	INTJ
easat-3760	159	17	.	.	NOUN
easat-3760	160	1	6	6	NUM
easat-3760	160	2	:	:	SYM
easat-3760	160	3	8168	8168	NUM
easat-3760	160	4	-	-	SYM
easat-3760	160	5	8188	8188	NUM
easat-3760	160	6	,	,	PUNCT
easat-3760	160	7	2024	2024	NUM
easat-3760	160	8	doi	doi	NOUN
easat-3760	160	9	:	:	PUNCT
easat-3760	160	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	160	11	©	©	PROPN
easat-3760	160	12	2024	2024	NUM
easat-3760	160	13	by	by	ADP
easat-3760	160	14	the	the	DET
easat-3760	160	15	authors	author	NOUN
easat-3760	160	16	;	;	PUNCT
easat-3760	161	1	licensee	licensee	PROPN
easat-3760	161	2	learning	learn	VERB
easat-3760	161	3	gate	gate	NOUN
easat-3760	161	4	4.1.3.3	4.1.3.3	NUM
easat-3760	161	5	.	.	PUNCT
easat-3760	162	1	return	return	NOUN
easat-3760	162	2	on	on	ADP
easat-3760	162	3	equity	equity	NOUN
easat-3760	162	4	(	(	PUNCT
easat-3760	162	5	roe	roe	NOUN
easat-3760	162	6	)	)	PUNCT
easat-3760	162	7	table	table	NOUN
easat-3760	162	8	11	11	NUM
easat-3760	162	9	.	.	PUNCT
easat-3760	163	1	return	return	VERB
easat-3760	163	2	on	on	ADP
easat-3760	163	3	equity	equity	NOUN
easat-3760	163	4	(	(	PUNCT
easat-3760	163	5	roe	roe	PROPN
easat-3760	163	6	)	)	PUNCT
easat-3760	163	7	of	of	ADP
easat-3760	163	8	bumn	bumn	NOUN
easat-3760	163	9	banks	bank	NOUN
easat-3760	163	10	for	for	ADP
easat-3760	163	11	the	the	DET
easat-3760	163	12	2020	2020	NUM
easat-3760	163	13	-	-	SYM
easat-3760	163	14	2021	2021	NUM
easat-3760	163	15	period	period	NOUN
easat-3760	163	16	.	.	PUNCT
easat-3760	164	1	(	(	PUNCT
easat-3760	164	2	expressed	express	VERB
easat-3760	164	3	in	in	ADP
easat-3760	164	4	millions	million	NOUN
easat-3760	164	5	of	of	ADP
easat-3760	164	6	rupiah	rupiah	NOUN
easat-3760	164	7	,	,	PUNCT
easat-3760	164	8	unless	unless	SCONJ
easat-3760	164	9	otherwise	otherwise	ADV
easat-3760	164	10	stated	state	VERB
easat-3760	164	11	)	)	PUNCT
easat-3760	164	12	year	year	NOUN
easat-3760	164	13	net	net	ADJ
easat-3760	164	14	profit	profit	NOUN
easat-3760	164	15	core	core	NOUN
easat-3760	164	16	capital	capital	NOUN
easat-3760	164	17	100	100	NUM
easat-3760	164	18	%	%	NOUN
easat-3760	164	19	roe	roe	NOUN
easat-3760	164	20	ojk	ojk	NOUN
easat-3760	164	21	standards	standard	NOUN
easat-3760	164	22	(	(	PUNCT
easat-3760	164	23	a	a	NOUN
easat-3760	164	24	)	)	PUNCT
easat-3760	164	25	(	(	PUNCT
easat-3760	164	26	b	b	X
easat-3760	164	27	)	)	PUNCT
easat-3760	164	28	(	(	PUNCT
easat-3760	164	29	c	c	X
easat-3760	164	30	)	)	PUNCT
easat-3760	164	31	a	a	DET
easat-3760	164	32	/	/	SYM
easat-3760	164	33	b×c	b×c	PROPN
easat-3760	164	34	pt	pt	PROPN
easat-3760	164	35	.	.	PROPN
easat-3760	164	36	bank	bank	PROPN
easat-3760	164	37	mandiri	mandiri	NOUN
easat-3760	164	38	(	(	PUNCT
easat-3760	164	39	persero	persero	NOUN
easat-3760	164	40	)	)	PUNCT
easat-3760	164	41	,	,	PUNCT
easat-3760	164	42	tbk	tbk	NOUN
easat-3760	164	43	2020	2020	NUM
easat-3760	165	1	rp	rp	NOUN
easat-3760	165	2	.	.	PROPN
easat-3760	166	1	18,398,928	18,398,928	NUM
easat-3760	166	2	rp	rp	NOUN
easat-3760	166	3	.	.	PROPN
easat-3760	167	1	182,065,400	182,065,400	NUM
easat-3760	167	2	100	100	NUM
easat-3760	167	3	%	%	NOUN
easat-3760	167	4	10.1	10.1	NUM
easat-3760	167	5	%	%	NOUN
easat-3760	167	6	healthy	healthy	ADJ
easat-3760	167	7	enough	enough	ADJ
easat-3760	167	8	2021	2021	NUM
easat-3760	167	9	rp	rp	NOUN
easat-3760	167	10	.	.	PROPN
easat-3760	167	11	30,551,097	30,551,097	NUM
easat-3760	167	12	rp	rp	NOUN
easat-3760	167	13	.	.	PUNCT
easat-3760	168	1	196,048,380	196,048,380	NUM
easat-3760	168	2	100	100	NUM
easat-3760	168	3	%	%	NOUN
easat-3760	168	4	15.6	15.6	NUM
easat-3760	168	5	%	%	NOUN
easat-3760	168	6	healthy	healthy	ADJ
easat-3760	168	7	pt	pt	PROPN
easat-3760	168	8	.	.	PROPN
easat-3760	168	9	bank	bank	PROPN
easat-3760	168	10	rakyat	rakyat	PROPN
easat-3760	168	11	indonesia	indonesia	PROPN
easat-3760	168	12	(	(	PUNCT
easat-3760	168	13	persero	persero	PROPN
easat-3760	168	14	)	)	PUNCT
easat-3760	168	15	,	,	PUNCT
easat-3760	168	16	tbk	tbk	NOUN
easat-3760	168	17	2020	2020	NUM
easat-3760	168	18	rp	rp	PROPN
easat-3760	168	19	.	.	PROPN
easat-3760	168	20	18,660,393	18,660,393	NUM
easat-3760	168	21	rp	rp	NOUN
easat-3760	168	22	.	.	PROPN
easat-3760	169	1	187,205,189	187,205,189	NUM
easat-3760	169	2	100	100	NUM
easat-3760	169	3	%	%	NOUN
easat-3760	169	4	10.0	10.0	NUM
easat-3760	169	5	%	%	NOUN
easat-3760	169	6	healthy	healthy	ADJ
easat-3760	169	7	enough	enough	ADJ
easat-3760	169	8	2021	2021	NUM
easat-3760	169	9	rp	rp	NOUN
easat-3760	169	10	.	.	PROPN
easat-3760	169	11	30,755,766	30,755,766	NUM
easat-3760	169	12	rp	rp	NOUN
easat-3760	169	13	.	.	PUNCT
easat-3760	170	1	267,009,045	267,009,045	NUM
easat-3760	170	2	100	100	NUM
easat-3760	170	3	%	%	NOUN
easat-3760	170	4	11.5	11.5	NUM
easat-3760	170	5	%	%	NOUN
easat-3760	170	6	healthy	healthy	ADJ
easat-3760	170	7	enough	enough	ADJ
easat-3760	170	8	pt	pt	PROPN
easat-3760	170	9	.	.	PROPN
easat-3760	170	10	bank	bank	PROPN
easat-3760	170	11	negara	negara	PROPN
easat-3760	170	12	indonesia	indonesia	PROPN
easat-3760	170	13	(	(	PUNCT
easat-3760	170	14	persero	persero	PROPN
easat-3760	170	15	)	)	PUNCT
easat-3760	170	16	,	,	PUNCT
easat-3760	170	17	tbk	tbk	NOUN
easat-3760	170	18	2020	2020	NUM
easat-3760	170	19	rp	rp	NOUN
easat-3760	170	20	.	.	PROPN
easat-3760	170	21	3,321,442	3,321,442	NUM
easat-3760	170	22	rp	rp	NOUN
easat-3760	170	23	.	.	PROPN
easat-3760	171	1	103,111,486	103,111,486	NUM
easat-3760	171	2	100	100	NUM
easat-3760	171	3	%	%	NOUN
easat-3760	171	4	3	3	NUM
easat-3760	171	5	%	%	NOUN
easat-3760	171	6	unwell	unwell	ADJ
easat-3760	171	7	2021	2021	NUM
easat-3760	171	8	rp	rp	NOUN
easat-3760	171	9	.	.	PROPN
easat-3760	171	10	10,977,051	10,977,051	NUM
easat-3760	171	11	rp	rp	NOUN
easat-3760	171	12	.	.	PUNCT
easat-3760	172	1	122,869,965	122,869,965	NUM
easat-3760	172	2	100	100	NUM
easat-3760	172	3	%	%	NOUN
easat-3760	172	4	8.9	8.9	NUM
easat-3760	172	5	%	%	NOUN
easat-3760	172	6	healthy	healthy	ADJ
easat-3760	172	7	enough	enough	ADJ
easat-3760	172	8	pt	pt	PROPN
easat-3760	172	9	.	.	PROPN
easat-3760	172	10	state	state	PROPN
easat-3760	172	11	savings	savings	PROPN
easat-3760	172	12	bank	bank	PROPN
easat-3760	172	13	(	(	PUNCT
easat-3760	172	14	persero	persero	PROPN
easat-3760	172	15	)	)	PUNCT
easat-3760	172	16	,	,	PUNCT
easat-3760	172	17	tbk	tbk	NOUN
easat-3760	172	18	2020	2020	NUM
easat-3760	172	19	rp	rp	NOUN
easat-3760	172	20	.	.	PROPN
easat-3760	173	1	1,602,358	1,602,358	NUM
easat-3760	173	2	rp	rp	NOUN
easat-3760	173	3	.	.	PROPN
easat-3760	173	4	17,625,854	17,625,854	NUM
easat-3760	173	5	100	100	NUM
easat-3760	173	6	%	%	NOUN
easat-3760	173	7	9.1	9.1	NUM
easat-3760	173	8	%	%	NOUN
easat-3760	173	9	healthy	healthy	ADJ
easat-3760	173	10	enough	enough	ADJ
easat-3760	173	11	2021	2021	NUM
easat-3760	173	12	rp	rp	NOUN
easat-3760	173	13	.	.	PROPN
easat-3760	173	14	2,376,227	2,376,227	NUM
easat-3760	173	15	rp	rp	NOUN
easat-3760	173	16	.	.	PROPN
easat-3760	173	17	18,531,612	18,531,612	NUM
easat-3760	173	18	100	100	NUM
easat-3760	173	19	%	%	NOUN
easat-3760	173	20	12.8	12.8	NUM
easat-3760	173	21	%	%	NOUN
easat-3760	173	22	healthy	healthy	ADJ
easat-3760	173	23	1	1	NUM
easat-3760	173	24	)	)	PUNCT
easat-3760	173	25	pt	pt	PROPN
easat-3760	173	26	.	.	PROPN
easat-3760	173	27	bank	bank	NOUN
easat-3760	173	28	mandiri	mandiri	NOUN
easat-3760	173	29	(	(	PUNCT
easat-3760	173	30	persero	persero	NOUN
easat-3760	173	31	)	)	PUNCT
easat-3760	173	32	,	,	PUNCT
easat-3760	173	33	tbk	tbk	PROPN
easat-3760	173	34	pt	pt	PROPN
easat-3760	173	35	.	.	PROPN
easat-3760	173	36	bank	bank	PROPN
easat-3760	173	37	mandiri	mandiri	NOUN
easat-3760	173	38	(	(	PUNCT
easat-3760	173	39	persero	persero	NOUN
easat-3760	173	40	)	)	PUNCT
easat-3760	173	41	,	,	PUNCT
easat-3760	173	42	tbk	tbk	PROPN
easat-3760	173	43	experienced	experience	VERB
easat-3760	173	44	a	a	DET
easat-3760	173	45	decrease	decrease	NOUN
easat-3760	173	46	in	in	ADP
easat-3760	173	47	roe	roe	NOUN
easat-3760	173	48	percentage	percentage	NOUN
easat-3760	173	49	in	in	ADP
easat-3760	173	50	2020	2020	NUM
easat-3760	173	51	and	and	CCONJ
easat-3760	173	52	was	be	AUX
easat-3760	173	53	in	in	ADP
easat-3760	173	54	a	a	DET
easat-3760	173	55	fairly	fairly	ADV
easat-3760	173	56	healthy	healthy	ADJ
easat-3760	173	57	category	category	NOUN
easat-3760	173	58	.	.	PUNCT
easat-3760	174	1	this	this	DET
easat-3760	174	2	decrease	decrease	NOUN
easat-3760	174	3	was	be	AUX
easat-3760	174	4	influenced	influence	VERB
easat-3760	174	5	by	by	ADP
easat-3760	174	6	a	a	DET
easat-3760	174	7	decrease	decrease	NOUN
easat-3760	174	8	in	in	ADP
easat-3760	174	9	the	the	DET
easat-3760	174	10	nominal	nominal	ADJ
easat-3760	174	11	net	net	ADJ
easat-3760	174	12	profit	profit	NOUN
easat-3760	174	13	received	receive	VERB
easat-3760	174	14	.	.	PUNCT
easat-3760	175	1	2	2	X
easat-3760	175	2	)	)	PUNCT
easat-3760	175	3	pt	pt	PROPN
easat-3760	175	4	.	.	PROPN
easat-3760	175	5	bank	bank	PROPN
easat-3760	175	6	rakyat	rakyat	PROPN
easat-3760	175	7	indonesia	indonesia	PROPN
easat-3760	175	8	(	(	PUNCT
easat-3760	175	9	persero	persero	PROPN
easat-3760	175	10	)	)	PUNCT
easat-3760	175	11	,	,	PUNCT
easat-3760	175	12	tbk	tbk	PROPN
easat-3760	175	13	pt	pt	PROPN
easat-3760	175	14	.	.	PROPN
easat-3760	175	15	bank	bank	PROPN
easat-3760	175	16	rakyat	rakyat	PROPN
easat-3760	175	17	indonesia	indonesia	PROPN
easat-3760	175	18	(	(	PUNCT
easat-3760	175	19	persero	persero	PROPN
easat-3760	175	20	)	)	PUNCT
easat-3760	175	21	,	,	PUNCT
easat-3760	175	22	tbk	tbk	PROPN
easat-3760	175	23	experienced	experience	VERB
easat-3760	175	24	a	a	DET
easat-3760	175	25	decrease	decrease	NOUN
easat-3760	175	26	in	in	ADP
easat-3760	175	27	roe	roe	NOUN
easat-3760	175	28	percentage	percentage	NOUN
easat-3760	175	29	in	in	ADP
easat-3760	175	30	2020	2020	NUM
easat-3760	175	31	and	and	CCONJ
easat-3760	175	32	was	be	AUX
easat-3760	175	33	in	in	ADP
easat-3760	175	34	a	a	DET
easat-3760	175	35	fairly	fairly	ADV
easat-3760	175	36	healthy	healthy	ADJ
easat-3760	175	37	category	category	NOUN
easat-3760	175	38	.	.	PUNCT
easat-3760	176	1	the	the	DET
easat-3760	176	2	decrease	decrease	NOUN
easat-3760	176	3	in	in	ADP
easat-3760	176	4	roe	roe	NOUN
easat-3760	176	5	in	in	ADP
easat-3760	176	6	2020	2020	NUM
easat-3760	176	7	was	be	AUX
easat-3760	176	8	due	due	ADJ
easat-3760	176	9	to	to	ADP
easat-3760	176	10	a	a	DET
easat-3760	176	11	decrease	decrease	NOUN
easat-3760	176	12	in	in	ADP
easat-3760	176	13	the	the	DET
easat-3760	176	14	nominal	nominal	ADJ
easat-3760	176	15	net	net	ADJ
easat-3760	176	16	profit	profit	NOUN
easat-3760	176	17	.	.	PUNCT
easat-3760	177	1	3	3	X
easat-3760	177	2	)	)	PUNCT
easat-3760	177	3	pt	pt	PROPN
easat-3760	177	4	.	.	PROPN
easat-3760	177	5	bank	bank	PROPN
easat-3760	177	6	negara	negara	PROPN
easat-3760	177	7	indonesia	indonesia	PROPN
easat-3760	177	8	(	(	PUNCT
easat-3760	177	9	persero	persero	PROPN
easat-3760	177	10	)	)	PUNCT
easat-3760	177	11	,	,	PUNCT
easat-3760	177	12	tbk	tbk	PROPN
easat-3760	177	13	pt	pt	PROPN
easat-3760	177	14	.	.	PROPN
easat-3760	177	15	bank	bank	PROPN
easat-3760	177	16	negara	negara	PROPN
easat-3760	177	17	indonesia	indonesia	PROPN
easat-3760	177	18	(	(	PUNCT
easat-3760	177	19	persero	persero	PROPN
easat-3760	177	20	)	)	PUNCT
easat-3760	177	21	,	,	PUNCT
easat-3760	177	22	tbk	tbk	PROPN
easat-3760	177	23	experienced	experience	VERB
easat-3760	177	24	a	a	DET
easat-3760	177	25	decline	decline	NOUN
easat-3760	177	26	in	in	ADP
easat-3760	177	27	roe	roe	NOUN
easat-3760	177	28	percentage	percentage	NOUN
easat-3760	177	29	in	in	ADP
easat-3760	177	30	2020	2020	NUM
easat-3760	177	31	and	and	CCONJ
easat-3760	177	32	was	be	AUX
easat-3760	177	33	in	in	ADP
easat-3760	177	34	the	the	DET
easat-3760	177	35	unhealthy	unhealthy	ADJ
easat-3760	177	36	category	category	NOUN
easat-3760	177	37	.	.	PUNCT
easat-3760	178	1	4	4	NUM
easat-3760	178	2	)	)	PUNCT
easat-3760	178	3	pt	pt	PROPN
easat-3760	178	4	.	.	PROPN
easat-3760	178	5	state	state	PROPN
easat-3760	178	6	savings	savings	PROPN
easat-3760	178	7	bank	bank	PROPN
easat-3760	178	8	(	(	PUNCT
easat-3760	178	9	persero	persero	PROPN
easat-3760	178	10	)	)	PUNCT
easat-3760	178	11	,	,	PUNCT
easat-3760	178	12	tbk	tbk	PROPN
easat-3760	178	13	pt	pt	PROPN
easat-3760	178	14	.	.	PROPN
easat-3760	178	15	bank	bank	PROPN
easat-3760	178	16	tabungan	tabungan	VERB
easat-3760	178	17	negara	negara	PROPN
easat-3760	178	18	(	(	PUNCT
easat-3760	178	19	persero	persero	PROPN
easat-3760	178	20	)	)	PUNCT
easat-3760	178	21	,	,	PUNCT
easat-3760	178	22	tbk	tbk	PROPN
easat-3760	178	23	experienced	experience	VERB
easat-3760	178	24	an	an	DET
easat-3760	178	25	increase	increase	NOUN
easat-3760	178	26	because	because	SCONJ
easat-3760	178	27	btn	btn	NOUN
easat-3760	178	28	's	's	PART
easat-3760	178	29	roe	roe	NOUN
easat-3760	178	30	percentage	percentage	NOUN
easat-3760	178	31	in	in	ADP
easat-3760	178	32	2021	2021	NUM
easat-3760	178	33	increased	increase	VERB
easat-3760	178	34	from	from	ADP
easat-3760	178	35	quite	quite	ADV
easat-3760	178	36	healthy	healthy	ADJ
easat-3760	178	37	in	in	ADP
easat-3760	178	38	2020	2020	NUM
easat-3760	178	39	to	to	ADP
easat-3760	178	40	a	a	DET
easat-3760	178	41	healthy	healthy	ADJ
easat-3760	178	42	category	category	NOUN
easat-3760	178	43	in	in	ADP
easat-3760	178	44	2021	2021	NUM
easat-3760	178	45	.	.	PUNCT
easat-3760	179	1	8177	8177	NUM
easat-3760	179	2	edelweiss	edelweiss	PROPN
easat-3760	179	3	applied	apply	VERB
easat-3760	179	4	science	science	NOUN
easat-3760	179	5	and	and	CCONJ
easat-3760	179	6	technology	technology	NOUN
easat-3760	179	7	issn	issn	PROPN
easat-3760	179	8	:	:	PUNCT
easat-3760	179	9	2576	2576	NUM
easat-3760	179	10	-	-	SYM
easat-3760	179	11	8484	8484	NUM
easat-3760	179	12	vol	vol	NOUN
easat-3760	179	13	.	.	PROPN
easat-3760	179	14	8	8	NUM
easat-3760	179	15	,	,	PUNCT
easat-3760	179	16	no	no	INTJ
easat-3760	179	17	.	.	NOUN
easat-3760	180	1	6	6	NUM
easat-3760	180	2	:	:	SYM
easat-3760	180	3	8168	8168	NUM
easat-3760	180	4	-	-	SYM
easat-3760	180	5	8188	8188	NUM
easat-3760	180	6	,	,	PUNCT
easat-3760	180	7	2024	2024	NUM
easat-3760	180	8	doi	doi	NOUN
easat-3760	180	9	:	:	PUNCT
easat-3760	180	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	180	11	©	©	PROPN
easat-3760	180	12	2024	2024	NUM
easat-3760	180	13	by	by	ADP
easat-3760	180	14	the	the	DET
easat-3760	180	15	authors	author	NOUN
easat-3760	180	16	;	;	PUNCT
easat-3760	180	17	licensee	licensee	PROPN
easat-3760	180	18	learning	learn	VERB
easat-3760	180	19	gate	gate	PROPN
easat-3760	180	20	4.1.3.4	4.1.3.4	PROPN
easat-3760	180	21	.	.	PUNCT
easat-3760	180	22	bopo	bopo	PROPN
easat-3760	180	23	table	table	NOUN
easat-3760	180	24	12	12	NUM
easat-3760	180	25	.	.	PUNCT
easat-3760	181	1	bopo	bopo	PROPN
easat-3760	181	2	bumn	bumn	PROPN
easat-3760	181	3	bank	bank	PROPN
easat-3760	181	4	period	period	NOUN
easat-3760	181	5	2020	2020	NUM
easat-3760	181	6	-	-	SYM
easat-3760	181	7	2021	2021	NUM
easat-3760	181	8	.	.	PUNCT
easat-3760	182	1	(	(	PUNCT
easat-3760	182	2	expressed	express	VERB
easat-3760	182	3	in	in	ADP
easat-3760	182	4	millions	million	NOUN
easat-3760	182	5	of	of	ADP
easat-3760	182	6	rupiah	rupiah	NOUN
easat-3760	182	7	,	,	PUNCT
easat-3760	182	8	unless	unless	SCONJ
easat-3760	182	9	otherwise	otherwise	ADV
easat-3760	182	10	stated	state	VERB
easat-3760	182	11	)	)	PUNCT
easat-3760	182	12	year	year	NOUN
easat-3760	182	13	operational	operational	ADJ
easat-3760	182	14	expenses	expense	NOUN
easat-3760	182	15	operating	operate	VERB
easat-3760	182	16	income	income	NOUN
easat-3760	182	17	100	100	NUM
easat-3760	182	18	%	%	NOUN
easat-3760	182	19	bopo	bopo	NOUN
easat-3760	182	20	ojk	ojk	NOUN
easat-3760	182	21	standards	standard	NOUN
easat-3760	182	22	(	(	PUNCT
easat-3760	182	23	a	a	NOUN
easat-3760	182	24	)	)	PUNCT
easat-3760	182	25	(	(	PUNCT
easat-3760	182	26	b	b	X
easat-3760	182	27	)	)	PUNCT
easat-3760	182	28	(	(	PUNCT
easat-3760	182	29	c	c	X
easat-3760	182	30	)	)	PUNCT
easat-3760	182	31	a	a	DET
easat-3760	182	32	/	/	SYM
easat-3760	182	33	b×c	b×c	PROPN
easat-3760	182	34	pt	pt	PROPN
easat-3760	182	35	.	.	PROPN
easat-3760	182	36	bank	bank	PROPN
easat-3760	182	37	mandiri	mandiri	NOUN
easat-3760	182	38	(	(	PUNCT
easat-3760	182	39	persero	persero	NOUN
easat-3760	182	40	)	)	PUNCT
easat-3760	182	41	,	,	PUNCT
easat-3760	182	42	tbk	tbk	NOUN
easat-3760	182	43	2020	2020	NUM
easat-3760	182	44	rp	rp	NOUN
easat-3760	182	45	.	.	PROPN
easat-3760	183	1	113,857,010	113,857,010	NUM
easat-3760	183	2	rp	rp	NOUN
easat-3760	183	3	.	.	PROPN
easat-3760	184	1	138,112,497	138,112,497	NUM
easat-3760	184	2	100	100	NUM
easat-3760	184	3	%	%	NOUN
easat-3760	184	4	82.4	82.4	NUM
easat-3760	184	5	%	%	NOUN
easat-3760	184	6	very	very	ADV
easat-3760	184	7	healthy	healthy	ADJ
easat-3760	184	8	2021	2021	NUM
easat-3760	184	9	rp	rp	NOUN
easat-3760	184	10	.	.	PROPN
easat-3760	185	1	107,603,061	107,603,061	NUM
easat-3760	185	2	rp	rp	NOUN
easat-3760	185	3	.	.	PROPN
easat-3760	185	4	146,043,264	146,043,264	NUM
easat-3760	185	5	100	100	NUM
easat-3760	185	6	%	%	NOUN
easat-3760	185	7	73.7	73.7	NUM
easat-3760	185	8	%	%	NOUN
easat-3760	185	9	very	very	ADV
easat-3760	185	10	healthy	healthy	ADJ
easat-3760	185	11	pt	pt	PROPN
easat-3760	185	12	.	.	PROPN
easat-3760	185	13	bank	bank	PROPN
easat-3760	185	14	rakyat	rakyat	PROPN
easat-3760	185	15	indonesia	indonesia	PROPN
easat-3760	185	16	(	(	PUNCT
easat-3760	185	17	persero	persero	PROPN
easat-3760	185	18	)	)	PUNCT
easat-3760	185	19	,	,	PUNCT
easat-3760	185	20	tbk	tbk	NOUN
easat-3760	185	21	2020	2020	NUM
easat-3760	185	22	rp	rp	NOUN
easat-3760	185	23	.	.	PROPN
easat-3760	185	24	150,291,390	150,291,390	NUM
easat-3760	185	25	rp	rp	NOUN
easat-3760	185	26	.	.	PROPN
easat-3760	186	1	180,070,091	180,070,091	NUM
easat-3760	186	2	100	100	NUM
easat-3760	186	3	%	%	NOUN
easat-3760	186	4	83.5	83.5	NUM
easat-3760	186	5	%	%	NOUN
easat-3760	186	6	very	very	ADV
easat-3760	186	7	healthy	healthy	ADJ
easat-3760	186	8	2021	2021	NUM
easat-3760	186	9	rp	rp	NOUN
easat-3760	186	10	.	.	PROPN
easat-3760	186	11	150,584,537	150,584,537	NUM
easat-3760	186	12	rp	rp	NOUN
easat-3760	186	13	.	.	PROPN
easat-3760	187	1	191,728,919	191,728,919	NUM
easat-3760	187	2	100	100	NUM
easat-3760	187	3	%	%	NOUN
easat-3760	187	4	78.5	78.5	NUM
easat-3760	187	5	%	%	NOUN
easat-3760	187	6	very	very	ADV
easat-3760	187	7	healthy	healthy	ADJ
easat-3760	187	8	pt	pt	PROPN
easat-3760	187	9	.	.	PROPN
easat-3760	187	10	bank	bank	PROPN
easat-3760	187	11	negara	negara	PROPN
easat-3760	187	12	indonesia	indonesia	PROPN
easat-3760	187	13	(	(	PUNCT
easat-3760	187	14	persero	persero	PROPN
easat-3760	187	15	)	)	PUNCT
easat-3760	187	16	,	,	PUNCT
easat-3760	187	17	tbk	tbk	NOUN
easat-3760	187	18	2020	2020	NUM
easat-3760	187	19	rp	rp	PROPN
easat-3760	187	20	.	.	PROPN
easat-3760	187	21	69,684,507	69,684,507	NUM
easat-3760	187	22	rp	rp	NOUN
easat-3760	187	23	.	.	PUNCT
easat-3760	188	1	74,915,951	74,915,951	NUM
easat-3760	188	2	100	100	NUM
easat-3760	188	3	%	%	NOUN
easat-3760	188	4	93	93	NUM
easat-3760	188	5	%	%	NOUN
easat-3760	188	6	healthy	healthy	ADJ
easat-3760	188	7	2021	2021	NUM
easat-3760	188	8	rp	rp	NOUN
easat-3760	188	9	.	.	PROPN
easat-3760	188	10	59,364,946	59,364,946	NUM
easat-3760	188	11	rp	rp	NOUN
easat-3760	188	12	.	.	PROPN
easat-3760	189	1	72,132,230	72,132,230	NUM
easat-3760	189	2	100	100	NUM
easat-3760	189	3	%	%	NOUN
easat-3760	189	4	82	82	NUM
easat-3760	189	5	%	%	NOUN
easat-3760	189	6	very	very	ADV
easat-3760	189	7	healthy	healthy	ADJ
easat-3760	189	8	pt	pt	PROPN
easat-3760	189	9	.	.	PROPN
easat-3760	189	10	state	state	PROPN
easat-3760	189	11	savings	savings	PROPN
easat-3760	189	12	bank	bank	PROPN
easat-3760	189	13	(	(	PUNCT
easat-3760	189	14	persero	persero	PROPN
easat-3760	189	15	)	)	PUNCT
easat-3760	189	16	,	,	PUNCT
easat-3760	189	17	tbk	tbk	NOUN
easat-3760	189	18	2020	2020	NUM
easat-3760	189	19	rp	rp	NOUN
easat-3760	189	20	.	.	PROPN
easat-3760	189	21	25,290,102	25,290,102	NUM
easat-3760	190	1	rp	rp	NOUN
easat-3760	190	2	.	.	PROPN
easat-3760	191	1	27,620,387	27,620,387	NUM
easat-3760	191	2	100	100	NUM
easat-3760	191	3	%	%	NOUN
easat-3760	191	4	91.6	91.6	NUM
easat-3760	191	5	%	%	NOUN
easat-3760	191	6	healthy	healthy	ADJ
easat-3760	191	7	2021	2021	NUM
easat-3760	191	8	rp	rp	NOUN
easat-3760	191	9	.	.	PROPN
easat-3760	191	10	25,277,654	25,277,654	NUM
easat-3760	191	11	rp	rp	NOUN
easat-3760	191	12	.	.	PROPN
easat-3760	191	13	28,314,486	28,314,486	NUM
easat-3760	191	14	100	100	NUM
easat-3760	191	15	%	%	NOUN
easat-3760	191	16	89.3	89.3	NUM
easat-3760	191	17	%	%	NOUN
easat-3760	191	18	very	very	ADV
easat-3760	191	19	healthy	healthy	ADJ
easat-3760	191	20	1	1	NUM
easat-3760	191	21	)	)	PUNCT
easat-3760	191	22	pt	pt	PROPN
easat-3760	191	23	.	.	PROPN
easat-3760	191	24	bank	bank	NOUN
easat-3760	191	25	mandiri	mandiri	NOUN
easat-3760	191	26	(	(	PUNCT
easat-3760	191	27	persero	persero	NOUN
easat-3760	191	28	)	)	PUNCT
easat-3760	191	29	,	,	PUNCT
easat-3760	191	30	tbk	tbk	PROPN
easat-3760	191	31	pt	pt	PROPN
easat-3760	191	32	.	.	PROPN
easat-3760	191	33	bankmandiri	bankmandiri	PROPN
easat-3760	191	34	(	(	PUNCT
easat-3760	191	35	persero	persero	NOUN
easat-3760	191	36	)	)	PUNCT
easat-3760	191	37	,	,	PUNCT
easat-3760	191	38	tbk	tbk	PROPN
easat-3760	191	39	has	have	AUX
easat-3760	191	40	operating	operate	VERB
easat-3760	191	41	income	income	NOUN
easat-3760	191	42	that	that	PRON
easat-3760	191	43	increases	increase	VERB
easat-3760	191	44	every	every	DET
easat-3760	191	45	year	year	NOUN
easat-3760	191	46	,	,	PUNCT
easat-3760	191	47	but	but	CCONJ
easat-3760	191	48	the	the	DET
easat-3760	191	49	bopo	bopo	NOUN
easat-3760	191	50	percentage	percentage	NOUN
easat-3760	191	51	fluctuates	fluctuate	NOUN
easat-3760	191	52	,	,	PUNCT
easat-3760	191	53	bank	bank	NOUN
easat-3760	191	54	mandiri	mandiri	NOUN
easat-3760	191	55	's	's	PART
easat-3760	191	56	bopo	bopo	ADJ
easat-3760	191	57	percentage	percentage	NOUN
easat-3760	191	58	increased	increase	VERB
easat-3760	191	59	during	during	ADP
easat-3760	191	60	the	the	DET
easat-3760	191	61	2020	2020	NUM
easat-3760	191	62	period	period	NOUN
easat-3760	191	63	.	.	PUNCT
easat-3760	192	1	2	2	X
easat-3760	192	2	)	)	PUNCT
easat-3760	192	3	pt	pt	PROPN
easat-3760	192	4	.	.	PROPN
easat-3760	192	5	bank	bank	PROPN
easat-3760	192	6	rakyat	rakyat	PROPN
easat-3760	192	7	indonesia	indonesia	PROPN
easat-3760	192	8	(	(	PUNCT
easat-3760	192	9	persero	persero	PROPN
easat-3760	192	10	)	)	PUNCT
easat-3760	192	11	,	,	PUNCT
easat-3760	192	12	tbk	tbk	PROPN
easat-3760	192	13	pt	pt	PROPN
easat-3760	192	14	.	.	PROPN
easat-3760	192	15	bank	bank	PROPN
easat-3760	192	16	rakyat	rakyat	PROPN
easat-3760	192	17	indonesia	indonesia	PROPN
easat-3760	192	18	(	(	PUNCT
easat-3760	192	19	persero	persero	PROPN
easat-3760	192	20	)	)	PUNCT
easat-3760	192	21	,	,	PUNCT
easat-3760	192	22	tbk	tbk	PROPN
easat-3760	192	23	has	have	VERB
easat-3760	192	24	an	an	DET
easat-3760	192	25	operating	operate	VERB
easat-3760	192	26	income	income	NOUN
easat-3760	192	27	that	that	PRON
easat-3760	192	28	increases	increase	VERB
easat-3760	192	29	every	every	DET
easat-3760	192	30	year	year	NOUN
easat-3760	192	31	,	,	PUNCT
easat-3760	192	32	but	but	CCONJ
easat-3760	192	33	the	the	DET
easat-3760	192	34	bopo	bopo	NOUN
easat-3760	192	35	percentage	percentage	NOUN
easat-3760	192	36	fluctuates	fluctuate	NOUN
easat-3760	192	37	,	,	PUNCT
easat-3760	192	38	bri	bri	NOUN
easat-3760	192	39	's	's	PART
easat-3760	192	40	bopo	bopo	NOUN
easat-3760	192	41	percentage	percentage	NOUN
easat-3760	192	42	increased	increase	VERB
easat-3760	192	43	during	during	ADP
easat-3760	192	44	the	the	DET
easat-3760	192	45	2020	2020	NUM
easat-3760	192	46	period	period	NOUN
easat-3760	192	47	,	,	PUNCT
easat-3760	192	48	and	and	CCONJ
easat-3760	192	49	only	only	ADV
easat-3760	192	50	experienced	experience	VERB
easat-3760	192	51	a	a	DET
easat-3760	192	52	decrease	decrease	NOUN
easat-3760	192	53	in	in	ADP
easat-3760	192	54	percentage	percentage	NOUN
easat-3760	192	55	in	in	ADP
easat-3760	192	56	the	the	DET
easat-3760	192	57	2021	2021	NUM
easat-3760	192	58	period	period	NOUN
easat-3760	192	59	and	and	CCONJ
easat-3760	192	60	is	be	AUX
easat-3760	192	61	still	still	ADV
easat-3760	192	62	in	in	ADP
easat-3760	192	63	the	the	DET
easat-3760	192	64	very	very	ADV
easat-3760	192	65	healthy	healthy	ADJ
easat-3760	192	66	category	category	NOUN
easat-3760	192	67	.	.	PUNCT
easat-3760	193	1	3	3	X
easat-3760	193	2	)	)	PUNCT
easat-3760	193	3	pt	pt	PROPN
easat-3760	193	4	.	.	PROPN
easat-3760	193	5	bank	bank	PROPN
easat-3760	193	6	negara	negara	PROPN
easat-3760	193	7	indonesia	indonesia	PROPN
easat-3760	193	8	(	(	PUNCT
easat-3760	193	9	persero	persero	PROPN
easat-3760	193	10	)	)	PUNCT
easat-3760	193	11	,	,	PUNCT
easat-3760	193	12	tbk	tbk	PROPN
easat-3760	193	13	pt	pt	PROPN
easat-3760	193	14	.	.	PROPN
easat-3760	193	15	bank	bank	PROPN
easat-3760	193	16	negara	negara	PROPN
easat-3760	193	17	indonesia	indonesia	PROPN
easat-3760	193	18	(	(	PUNCT
easat-3760	193	19	persero	persero	PROPN
easat-3760	193	20	)	)	PUNCT
easat-3760	193	21	,	,	PUNCT
easat-3760	193	22	tbk	tbk	PROPN
easat-3760	193	23	has	have	VERB
easat-3760	193	24	an	an	DET
easat-3760	193	25	increasing	increase	VERB
easat-3760	193	26	bopo	bopo	NOUN
easat-3760	193	27	percentage	percentage	NOUN
easat-3760	193	28	during	during	ADP
easat-3760	193	29	the	the	DET
easat-3760	193	30	2020	2020	NUM
easat-3760	193	31	period	period	NOUN
easat-3760	193	32	in	in	ADP
easat-3760	193	33	the	the	DET
easat-3760	193	34	healthy	healthy	ADJ
easat-3760	193	35	category	category	NOUN
easat-3760	193	36	,	,	PUNCT
easat-3760	193	37	and	and	CCONJ
easat-3760	193	38	only	only	ADV
easat-3760	193	39	experienced	experience	VERB
easat-3760	193	40	a	a	DET
easat-3760	193	41	decrease	decrease	NOUN
easat-3760	193	42	in	in	ADP
easat-3760	193	43	the	the	DET
easat-3760	193	44	percentage	percentage	NOUN
easat-3760	193	45	in	in	ADP
easat-3760	193	46	the	the	DET
easat-3760	193	47	2021	2021	NUM
easat-3760	193	48	period	period	NOUN
easat-3760	193	49	and	and	CCONJ
easat-3760	193	50	became	become	VERB
easat-3760	193	51	a	a	DET
easat-3760	193	52	very	very	ADV
easat-3760	193	53	healthy	healthy	ADJ
easat-3760	193	54	category	category	NOUN
easat-3760	193	55	.	.	PUNCT
easat-3760	194	1	4	4	NUM
easat-3760	194	2	)	)	PUNCT
easat-3760	194	3	pt	pt	PROPN
easat-3760	194	4	.	.	PROPN
easat-3760	194	5	state	state	PROPN
easat-3760	194	6	savings	savings	PROPN
easat-3760	194	7	bank	bank	PROPN
easat-3760	194	8	(	(	PUNCT
easat-3760	194	9	persero	persero	PROPN
easat-3760	194	10	)	)	PUNCT
easat-3760	194	11	,	,	PUNCT
easat-3760	194	12	tbk	tbk	PROPN
easat-3760	194	13	pt	pt	PROPN
easat-3760	194	14	.	.	PROPN
easat-3760	194	15	bank	bank	PROPN
easat-3760	194	16	tabungan	tabungan	VERB
easat-3760	194	17	negara	negara	PROPN
easat-3760	194	18	(	(	PUNCT
easat-3760	194	19	persero	persero	PROPN
easat-3760	194	20	)	)	PUNCT
easat-3760	194	21	,	,	PUNCT
easat-3760	194	22	tbk	tbk	PROPN
easat-3760	194	23	experienced	experience	VERB
easat-3760	194	24	a	a	DET
easat-3760	194	25	percentage	percentage	NOUN
easat-3760	194	26	decline	decline	NOUN
easat-3760	194	27	in	in	ADP
easat-3760	194	28	the	the	DET
easat-3760	194	29	2020	2020	NUM
easat-3760	194	30	-	-	SYM
easat-3760	194	31	2021	2021	NUM
easat-3760	194	32	period	period	NOUN
easat-3760	194	33	.	.	PUNCT
easat-3760	195	1	8178	8178	NUM
easat-3760	195	2	edelweiss	edelweiss	PROPN
easat-3760	195	3	applied	apply	VERB
easat-3760	195	4	science	science	NOUN
easat-3760	195	5	and	and	CCONJ
easat-3760	195	6	technology	technology	NOUN
easat-3760	195	7	issn	issn	PROPN
easat-3760	195	8	:	:	PUNCT
easat-3760	195	9	2576	2576	NUM
easat-3760	195	10	-	-	SYM
easat-3760	195	11	8484	8484	NUM
easat-3760	195	12	vol	vol	NOUN
easat-3760	195	13	.	.	PROPN
easat-3760	195	14	8	8	NUM
easat-3760	195	15	,	,	PUNCT
easat-3760	195	16	no	no	INTJ
easat-3760	195	17	.	.	NOUN
easat-3760	196	1	6	6	NUM
easat-3760	196	2	:	:	SYM
easat-3760	196	3	8168	8168	NUM
easat-3760	196	4	-	-	SYM
easat-3760	196	5	8188	8188	NUM
easat-3760	196	6	,	,	PUNCT
easat-3760	196	7	2024	2024	NUM
easat-3760	196	8	doi	doi	NOUN
easat-3760	196	9	:	:	PUNCT
easat-3760	196	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	196	11	©	©	PROPN
easat-3760	196	12	2024	2024	NUM
easat-3760	196	13	by	by	ADP
easat-3760	196	14	the	the	DET
easat-3760	196	15	authors	author	NOUN
easat-3760	196	16	;	;	PUNCT
easat-3760	197	1	licensee	licensee	PROPN
easat-3760	197	2	learning	learn	VERB
easat-3760	197	3	gate	gate	PROPN
easat-3760	197	4	4.1.3.5	4.1.3.5	PROPN
easat-3760	197	5	.	.	PUNCT
easat-3760	197	6	net	net	ADJ
easat-3760	197	7	interest	interest	NOUN
easat-3760	197	8	margin	margin	NOUN
easat-3760	197	9	(	(	PUNCT
easat-3760	197	10	nim	nim	NOUN
easat-3760	197	11	)	)	PUNCT
easat-3760	197	12	table	table	NOUN
easat-3760	197	13	13	13	NUM
easat-3760	197	14	.	.	PUNCT
easat-3760	197	15	net	net	ADJ
easat-3760	197	16	interest	interest	NOUN
easat-3760	197	17	margin	margin	NOUN
easat-3760	197	18	(	(	PUNCT
easat-3760	197	19	nim	nim	NOUN
easat-3760	197	20	)	)	PUNCT
easat-3760	197	21	of	of	ADP
easat-3760	197	22	bumn	bumn	NOUN
easat-3760	197	23	banks	bank	NOUN
easat-3760	197	24	for	for	ADP
easat-3760	197	25	the	the	DET
easat-3760	197	26	2020	2020	NUM
easat-3760	197	27	-	-	SYM
easat-3760	197	28	2021	2021	NUM
easat-3760	197	29	period	period	NOUN
easat-3760	197	30	.	.	PUNCT
easat-3760	198	1	(	(	PUNCT
easat-3760	198	2	expressed	express	VERB
easat-3760	198	3	in	in	ADP
easat-3760	198	4	millions	million	NOUN
easat-3760	198	5	of	of	ADP
easat-3760	198	6	rupiah	rupiah	NOUN
easat-3760	198	7	,	,	PUNCT
easat-3760	198	8	unless	unless	SCONJ
easat-3760	198	9	otherwise	otherwise	ADV
easat-3760	198	10	stated	state	VERB
easat-3760	198	11	)	)	PUNCT
easat-3760	198	12	year	year	NOUN
easat-3760	198	13	net	net	ADJ
easat-3760	198	14	interest	interest	NOUN
easat-3760	198	15	income	income	NOUN
easat-3760	198	16	productive	productive	ADJ
easat-3760	198	17	assets	asset	NOUN
easat-3760	198	18	100	100	NUM
easat-3760	198	19	%	%	NOUN
easat-3760	198	20	nim	nim	PROPN
easat-3760	198	21	ojk	ojk	NOUN
easat-3760	198	22	standards	standard	NOUN
easat-3760	198	23	(	(	PUNCT
easat-3760	198	24	a	a	NOUN
easat-3760	198	25	)	)	PUNCT
easat-3760	198	26	(	(	PUNCT
easat-3760	198	27	b	b	X
easat-3760	198	28	)	)	PUNCT
easat-3760	198	29	(	(	PUNCT
easat-3760	198	30	c	c	X
easat-3760	198	31	)	)	PUNCT
easat-3760	198	32	a	a	DET
easat-3760	198	33	/	/	SYM
easat-3760	198	34	b×c	b×c	PROPN
easat-3760	198	35	pt	pt	PROPN
easat-3760	198	36	.	.	PROPN
easat-3760	198	37	bank	bank	PROPN
easat-3760	198	38	mandiri	mandiri	NOUN
easat-3760	198	39	(	(	PUNCT
easat-3760	198	40	persero	persero	NOUN
easat-3760	198	41	)	)	PUNCT
easat-3760	198	42	,	,	PUNCT
easat-3760	198	43	tbk	tbk	NOUN
easat-3760	198	44	2020	2020	NUM
easat-3760	199	1	rp	rp	NOUN
easat-3760	199	2	.	.	PROPN
easat-3760	200	1	62,520,805	62,520,805	NUM
easat-3760	200	2	rp	rp	NOUN
easat-3760	200	3	.	.	PUNCT
easat-3760	200	4	1,416,314,418	1,416,314,418	PROPN
easat-3760	200	5	100	100	NUM
easat-3760	200	6	%	%	NOUN
easat-3760	200	7	4.4	4.4	NUM
easat-3760	200	8	%	%	NOUN
easat-3760	200	9	very	very	ADV
easat-3760	200	10	healthy	healthy	ADJ
easat-3760	200	11	2021	2021	NUM
easat-3760	200	12	rp	rp	NOUN
easat-3760	200	13	.	.	PROPN
easat-3760	200	14	73,062,494	73,062,494	NUM
easat-3760	200	15	rp	rp	NOUN
easat-3760	200	16	.	.	PROPN
easat-3760	200	17	1,555,837,700	1,555,837,700	NUM
easat-3760	200	18	100	100	NUM
easat-3760	200	19	%	%	NOUN
easat-3760	200	20	4.7	4.7	NUM
easat-3760	200	21	%	%	NOUN
easat-3760	200	22	very	very	ADV
easat-3760	200	23	healthy	healthy	ADJ
easat-3760	200	24	pt	pt	PROPN
easat-3760	200	25	.	.	PROPN
easat-3760	200	26	bank	bank	PROPN
easat-3760	200	27	rakyat	rakyat	PROPN
easat-3760	200	28	indonesia	indonesia	PROPN
easat-3760	200	29	(	(	PUNCT
easat-3760	200	30	persero	persero	PROPN
easat-3760	200	31	)	)	PUNCT
easat-3760	200	32	,	,	PUNCT
easat-3760	200	33	tbk	tbk	NOUN
easat-3760	200	34	2020	2020	NUM
easat-3760	200	35	rp	rp	PROPN
easat-3760	200	36	.	.	PROPN
easat-3760	200	37	93,584,113	93,584,113	NUM
easat-3760	201	1	rp	rp	NOUN
easat-3760	201	2	.	.	PROPN
easat-3760	202	1	1,499,655,359	1,499,655,359	NUM
easat-3760	202	2	100	100	NUM
easat-3760	202	3	%	%	NOUN
easat-3760	202	4	6.2	6.2	NUM
easat-3760	202	5	%	%	NOUN
easat-3760	202	6	very	very	ADV
easat-3760	202	7	healthy	healthy	ADJ
easat-3760	202	8	2021	2021	NUM
easat-3760	202	9	rp	rp	NOUN
easat-3760	202	10	.	.	PROPN
easat-3760	203	1	114,094,429	114,094,429	NUM
easat-3760	203	2	rp	rp	NOUN
easat-3760	203	3	.	.	PUNCT
easat-3760	204	1	1,574,849,049	1,574,849,049	NUM
easat-3760	204	2	100	100	NUM
easat-3760	204	3	%	%	NOUN
easat-3760	204	4	7.2	7.2	NUM
easat-3760	204	5	%	%	NOUN
easat-3760	204	6	very	very	ADV
easat-3760	204	7	healthy	healthy	ADJ
easat-3760	204	8	pt	pt	PROPN
easat-3760	204	9	.	.	PROPN
easat-3760	204	10	bank	bank	PROPN
easat-3760	204	11	negara	negara	PROPN
easat-3760	204	12	indonesia	indonesia	PROPN
easat-3760	204	13	(	(	PUNCT
easat-3760	204	14	persero	persero	PROPN
easat-3760	204	15	)	)	PUNCT
easat-3760	204	16	,	,	PUNCT
easat-3760	204	17	tbk	tbk	NOUN
easat-3760	204	18	2020	2020	NUM
easat-3760	205	1	rp	rp	NOUN
easat-3760	205	2	.	.	PROPN
easat-3760	205	3	37,151,966	37,151,966	NUM
easat-3760	205	4	rp	rp	NOUN
easat-3760	205	5	.	.	PROPN
easat-3760	205	6	818,875,423	818,875,423	NUM
easat-3760	205	7	100	100	NUM
easat-3760	205	8	%	%	NOUN
easat-3760	205	9	4.5	4.5	NUM
easat-3760	205	10	%	%	NOUN
easat-3760	205	11	very	very	ADV
easat-3760	205	12	healthy	healthy	ADJ
easat-3760	205	13	2021	2021	NUM
easat-3760	205	14	rp	rp	NOUN
easat-3760	205	15	.	.	PROPN
easat-3760	206	1	38,246,731	38,246,731	NUM
easat-3760	206	2	rp	rp	NOUN
easat-3760	206	3	.	.	PROPN
easat-3760	207	1	876,052,956	876,052,956	NUM
easat-3760	207	2	100	100	NUM
easat-3760	207	3	%	%	NOUN
easat-3760	207	4	4.4	4.4	NUM
easat-3760	207	5	%	%	NOUN
easat-3760	207	6	very	very	ADV
easat-3760	207	7	healthy	healthy	ADJ
easat-3760	207	8	pt	pt	PROPN
easat-3760	207	9	.	.	PROPN
easat-3760	207	10	state	state	PROPN
easat-3760	207	11	savings	savings	PROPN
easat-3760	207	12	bank	bank	PROPN
easat-3760	207	13	(	(	PUNCT
easat-3760	207	14	persero	persero	PROPN
easat-3760	207	15	)	)	PUNCT
easat-3760	207	16	,	,	PUNCT
easat-3760	207	17	tbk	tbk	NOUN
easat-3760	207	18	2020	2020	NUM
easat-3760	207	19	rp	rp	NOUN
easat-3760	207	20	.	.	PROPN
easat-3760	207	21	8,913,843	8,913,843	NUM
easat-3760	207	22	rp	rp	NOUN
easat-3760	207	23	.	.	PUNCT
easat-3760	208	1	340,659,725	340,659,725	NUM
easat-3760	208	2	100	100	NUM
easat-3760	208	3	%	%	NOUN
easat-3760	208	4	2.6	2.6	NUM
easat-3760	208	5	%	%	NOUN
easat-3760	208	6	healthy	healthy	ADJ
easat-3760	208	7	2021	2021	NUM
easat-3760	208	8	rp	rp	NOUN
easat-3760	208	9	.	.	PROPN
easat-3760	208	10	12,991,303	12,991,303	NUM
easat-3760	208	11	rp	rp	NOUN
easat-3760	208	12	.	.	PROPN
easat-3760	209	1	353,133,024	353,133,024	NUM
easat-3760	209	2	100	100	NUM
easat-3760	209	3	%	%	NOUN
easat-3760	209	4	3.7	3.7	NUM
easat-3760	209	5	%	%	NOUN
easat-3760	209	6	very	very	ADV
easat-3760	209	7	healthy	healthy	ADJ
easat-3760	209	8	1	1	NUM
easat-3760	209	9	)	)	PUNCT
easat-3760	209	10	pt	pt	PROPN
easat-3760	209	11	.	.	PROPN
easat-3760	209	12	bank	bank	NOUN
easat-3760	209	13	mandiri	mandiri	NOUN
easat-3760	209	14	(	(	PUNCT
easat-3760	209	15	persero	persero	NOUN
easat-3760	209	16	)	)	PUNCT
easat-3760	209	17	,	,	PUNCT
easat-3760	209	18	tbk	tbk	PROPN
easat-3760	209	19	pt	pt	PROPN
easat-3760	209	20	.	.	PROPN
easat-3760	209	21	bankmandiri	bankmandiri	PROPN
easat-3760	209	22	(	(	PUNCT
easat-3760	209	23	persero	persero	NOUN
easat-3760	209	24	)	)	PUNCT
easat-3760	209	25	,	,	PUNCT
easat-3760	209	26	tbk	tbk	PROPN
easat-3760	209	27	experienced	experience	VERB
easat-3760	209	28	a	a	DET
easat-3760	209	29	decrease	decrease	NOUN
easat-3760	209	30	in	in	ADP
easat-3760	209	31	the	the	DET
easat-3760	209	32	nim	nim	PROPN
easat-3760	209	33	percentage	percentage	NOUN
easat-3760	209	34	in	in	ADP
easat-3760	209	35	2020	2020	NUM
easat-3760	209	36	,	,	PUNCT
easat-3760	209	37	then	then	ADV
easat-3760	209	38	experienced	experience	VERB
easat-3760	209	39	an	an	DET
easat-3760	209	40	increase	increase	NOUN
easat-3760	209	41	in	in	ADP
easat-3760	209	42	the	the	DET
easat-3760	209	43	nim	nim	PROPN
easat-3760	209	44	percentage	percentage	NOUN
easat-3760	209	45	in	in	ADP
easat-3760	209	46	2021	2021	NUM
easat-3760	209	47	,	,	PUNCT
easat-3760	209	48	which	which	PRON
easat-3760	209	49	was	be	AUX
easat-3760	209	50	in	in	ADP
easat-3760	209	51	the	the	DET
easat-3760	209	52	very	very	ADV
easat-3760	209	53	healthy	healthy	ADJ
easat-3760	209	54	category	category	NOUN
easat-3760	209	55	.	.	PUNCT
easat-3760	210	1	2	2	X
easat-3760	210	2	)	)	PUNCT
easat-3760	210	3	pt	pt	PROPN
easat-3760	210	4	.	.	PROPN
easat-3760	210	5	bank	bank	PROPN
easat-3760	210	6	rakyat	rakyat	PROPN
easat-3760	210	7	indonesia	indonesia	PROPN
easat-3760	210	8	(	(	PUNCT
easat-3760	210	9	persero	persero	PROPN
easat-3760	210	10	)	)	PUNCT
easat-3760	210	11	,	,	PUNCT
easat-3760	210	12	tbk	tbk	PROPN
easat-3760	210	13	pt	pt	PROPN
easat-3760	210	14	.	.	PROPN
easat-3760	210	15	bank	bank	PROPN
easat-3760	210	16	rakyat	rakyat	PROPN
easat-3760	210	17	indonesia	indonesia	PROPN
easat-3760	210	18	(	(	PUNCT
easat-3760	210	19	persero	persero	PROPN
easat-3760	210	20	)	)	PUNCT
easat-3760	210	21	,	,	PUNCT
easat-3760	210	22	tbk	tbk	PROPN
easat-3760	210	23	experienced	experience	VERB
easat-3760	210	24	a	a	DET
easat-3760	210	25	decrease	decrease	NOUN
easat-3760	210	26	in	in	ADP
easat-3760	210	27	the	the	DET
easat-3760	210	28	nim	nim	PROPN
easat-3760	210	29	percentage	percentage	NOUN
easat-3760	210	30	in	in	ADP
easat-3760	210	31	2020	2020	NUM
easat-3760	210	32	,	,	PUNCT
easat-3760	210	33	then	then	ADV
easat-3760	210	34	experienced	experience	VERB
easat-3760	210	35	an	an	DET
easat-3760	210	36	increase	increase	NOUN
easat-3760	210	37	in	in	ADP
easat-3760	210	38	the	the	DET
easat-3760	210	39	nim	nim	PROPN
easat-3760	210	40	percentage	percentage	NOUN
easat-3760	210	41	in	in	ADP
easat-3760	210	42	2021	2021	NUM
easat-3760	210	43	and	and	CCONJ
easat-3760	210	44	was	be	AUX
easat-3760	210	45	in	in	ADP
easat-3760	210	46	the	the	DET
easat-3760	210	47	very	very	ADV
easat-3760	210	48	healthy	healthy	ADJ
easat-3760	210	49	category	category	NOUN
easat-3760	210	50	.	.	PUNCT
easat-3760	211	1	3	3	X
easat-3760	211	2	)	)	PUNCT
easat-3760	211	3	pt	pt	PROPN
easat-3760	211	4	.	.	PROPN
easat-3760	211	5	bank	bank	PROPN
easat-3760	211	6	negara	negara	PROPN
easat-3760	211	7	indonesia	indonesia	PROPN
easat-3760	211	8	(	(	PUNCT
easat-3760	211	9	persero	persero	PROPN
easat-3760	211	10	)	)	PUNCT
easat-3760	211	11	,	,	PUNCT
easat-3760	211	12	tbk	tbk	PROPN
easat-3760	211	13	pt	pt	PROPN
easat-3760	211	14	.	.	PROPN
easat-3760	211	15	bank	bank	PROPN
easat-3760	211	16	negara	negara	PROPN
easat-3760	211	17	indonesia	indonesia	PROPN
easat-3760	211	18	(	(	PUNCT
easat-3760	211	19	persero	persero	PROPN
easat-3760	211	20	)	)	PUNCT
easat-3760	211	21	,	,	PUNCT
easat-3760	211	22	tbk	tbk	PROPN
easat-3760	211	23	experienced	experience	VERB
easat-3760	211	24	a	a	DET
easat-3760	211	25	decrease	decrease	NOUN
easat-3760	211	26	and	and	CCONJ
easat-3760	211	27	increase	increase	VERB
easat-3760	211	28	in	in	ADP
easat-3760	211	29	the	the	DET
easat-3760	211	30	nim	nim	PROPN
easat-3760	211	31	percentage	percentage	NOUN
easat-3760	211	32	and	and	CCONJ
easat-3760	211	33	is	be	AUX
easat-3760	211	34	in	in	ADP
easat-3760	211	35	the	the	DET
easat-3760	211	36	very	very	ADV
easat-3760	211	37	healthy	healthy	ADJ
easat-3760	211	38	category	category	NOUN
easat-3760	211	39	.	.	PUNCT
easat-3760	212	1	4	4	NUM
easat-3760	212	2	)	)	PUNCT
easat-3760	212	3	pt	pt	PROPN
easat-3760	212	4	.	.	PROPN
easat-3760	212	5	state	state	PROPN
easat-3760	212	6	savings	savings	PROPN
easat-3760	212	7	bank	bank	PROPN
easat-3760	212	8	(	(	PUNCT
easat-3760	212	9	persero	persero	PROPN
easat-3760	212	10	)	)	PUNCT
easat-3760	212	11	,	,	PUNCT
easat-3760	212	12	tbk	tbk	PROPN
easat-3760	212	13	pt	pt	PROPN
easat-3760	212	14	.	.	PROPN
easat-3760	212	15	bank	bank	PROPN
easat-3760	212	16	tabungan	tabungan	VERB
easat-3760	212	17	negara	negara	PROPN
easat-3760	212	18	(	(	PUNCT
easat-3760	212	19	persero	persero	PROPN
easat-3760	212	20	)	)	PUNCT
easat-3760	212	21	,	,	PUNCT
easat-3760	212	22	tbk	tbk	PROPN
easat-3760	212	23	experienced	experience	VERB
easat-3760	212	24	a	a	DET
easat-3760	212	25	decrease	decrease	NOUN
easat-3760	212	26	in	in	ADP
easat-3760	212	27	the	the	DET
easat-3760	212	28	nim	nim	PROPN
easat-3760	212	29	percentage	percentage	NOUN
easat-3760	212	30	in	in	ADP
easat-3760	212	31	2020	2020	NUM
easat-3760	212	32	then	then	ADV
easat-3760	212	33	experienced	experience	VERB
easat-3760	212	34	an	an	DET
easat-3760	212	35	increase	increase	NOUN
easat-3760	212	36	in	in	ADP
easat-3760	212	37	the	the	DET
easat-3760	212	38	nim	nim	PROPN
easat-3760	212	39	percentage	percentage	NOUN
easat-3760	212	40	in	in	ADP
easat-3760	212	41	2021	2021	NUM
easat-3760	212	42	.	.	PUNCT
easat-3760	213	1	8179	8179	NUM
easat-3760	213	2	edelweiss	edelweiss	PROPN
easat-3760	213	3	applied	apply	VERB
easat-3760	213	4	science	science	NOUN
easat-3760	213	5	and	and	CCONJ
easat-3760	213	6	technology	technology	NOUN
easat-3760	213	7	issn	issn	PROPN
easat-3760	213	8	:	:	PUNCT
easat-3760	213	9	2576	2576	NUM
easat-3760	213	10	-	-	SYM
easat-3760	213	11	8484	8484	NUM
easat-3760	213	12	vol	vol	NOUN
easat-3760	213	13	.	.	PROPN
easat-3760	213	14	8	8	NUM
easat-3760	213	15	,	,	PUNCT
easat-3760	213	16	no	no	INTJ
easat-3760	213	17	.	.	NOUN
easat-3760	214	1	6	6	NUM
easat-3760	214	2	:	:	SYM
easat-3760	214	3	8168	8168	NUM
easat-3760	214	4	-	-	SYM
easat-3760	214	5	8188	8188	NUM
easat-3760	214	6	,	,	PUNCT
easat-3760	214	7	2024	2024	NUM
easat-3760	214	8	doi	doi	NOUN
easat-3760	214	9	:	:	PUNCT
easat-3760	214	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	214	11	©	©	PROPN
easat-3760	214	12	2024	2024	NUM
easat-3760	214	13	by	by	ADP
easat-3760	214	14	the	the	DET
easat-3760	214	15	authors	author	NOUN
easat-3760	214	16	;	;	PUNCT
easat-3760	214	17	licensee	licensee	PROPN
easat-3760	214	18	learning	learning	NOUN
easat-3760	214	19	gate	gate	NOUN
easat-3760	215	1	4.1.4	4.1.4	NUM
easat-3760	215	2	.	.	PUNCT
easat-3760	216	1	analysis	analysis	NOUN
easat-3760	216	2	of	of	ADP
easat-3760	216	3	non	non	ADJ
easat-3760	216	4	performing	perform	VERB
easat-3760	216	5	loan	loan	NOUN
easat-3760	216	6	(	(	PUNCT
easat-3760	216	7	npl	npl	NOUN
easat-3760	216	8	)	)	PUNCT
easat-3760	216	9	ratio	ratio	NOUN
easat-3760	216	10	of	of	ADP
easat-3760	216	11	state	state	NOUN
easat-3760	216	12	-	-	PUNCT
easat-3760	216	13	owned	own	VERB
easat-3760	216	14	bank	bank	NOUN
easat-3760	216	15	finances	finance	NOUN
easat-3760	216	16	for	for	ADP
easat-3760	216	17	the	the	DET
easat-3760	216	18	period	period	NOUN
easat-3760	216	19	20202021	20202021	NUM
easat-3760	216	20	table	table	NOUN
easat-3760	216	21	14	14	NUM
easat-3760	216	22	.	.	PUNCT
easat-3760	217	1	non	non	ADJ
easat-3760	217	2	performing	perform	VERB
easat-3760	217	3	loans	loan	NOUN
easat-3760	217	4	of	of	ADP
easat-3760	217	5	state	state	NOUN
easat-3760	217	6	-	-	PUNCT
easat-3760	217	7	owned	own	VERB
easat-3760	217	8	banks	bank	NOUN
easat-3760	217	9	for	for	ADP
easat-3760	217	10	the	the	DET
easat-3760	217	11	period	period	NOUN
easat-3760	217	12	2020	2020	NUM
easat-3760	217	13	-	-	SYM
easat-3760	217	14	2021	2021	NUM
easat-3760	217	15	.	.	PUNCT
easat-3760	218	1	(	(	PUNCT
easat-3760	218	2	expressed	express	VERB
easat-3760	218	3	in	in	ADP
easat-3760	218	4	millions	million	NOUN
easat-3760	218	5	of	of	ADP
easat-3760	218	6	rupiah	rupiah	NOUN
easat-3760	218	7	,	,	PUNCT
easat-3760	218	8	unless	unless	SCONJ
easat-3760	218	9	otherwise	otherwise	ADV
easat-3760	218	10	stated	state	VERB
easat-3760	218	11	)	)	PUNCT
easat-3760	218	12	year	year	NOUN
easat-3760	218	13	non	non	ADJ
easat-3760	218	14	-	-	ADJ
easat-3760	218	15	performing	performing	ADJ
easat-3760	218	16	loans	loan	NOUN
easat-3760	218	17	total	total	ADJ
easat-3760	218	18	credit	credit	NOUN
easat-3760	218	19	100	100	NUM
easat-3760	218	20	%	%	NOUN
easat-3760	218	21	npl	npl	PROPN
easat-3760	218	22	ojk	ojk	NOUN
easat-3760	218	23	standards	standard	NOUN
easat-3760	218	24	(	(	PUNCT
easat-3760	218	25	a	a	NOUN
easat-3760	218	26	)	)	PUNCT
easat-3760	218	27	(	(	PUNCT
easat-3760	218	28	b	b	X
easat-3760	218	29	)	)	PUNCT
easat-3760	218	30	(	(	PUNCT
easat-3760	218	31	c	c	X
easat-3760	218	32	)	)	PUNCT
easat-3760	218	33	a	a	DET
easat-3760	218	34	/	/	SYM
easat-3760	218	35	b×c	b×c	PROPN
easat-3760	218	36	pt	pt	PROPN
easat-3760	218	37	.	.	PROPN
easat-3760	218	38	bank	bank	PROPN
easat-3760	218	39	mandiri	mandiri	NOUN
easat-3760	218	40	(	(	PUNCT
easat-3760	218	41	persero	persero	NOUN
easat-3760	218	42	)	)	PUNCT
easat-3760	218	43	,	,	PUNCT
easat-3760	218	44	tbk	tbk	NOUN
easat-3760	218	45	2020	2020	NUM
easat-3760	219	1	rp	rp	NOUN
easat-3760	219	2	.	.	PROPN
easat-3760	220	1	29,438,481	29,438,481	NUM
easat-3760	220	2	rp	rp	NOUN
easat-3760	220	3	.	.	PROPN
easat-3760	221	1	964,727,517	964,727,517	NUM
easat-3760	221	2	100	100	NUM
easat-3760	221	3	%	%	NOUN
easat-3760	221	4	3.1	3.1	NUM
easat-3760	221	5	%	%	NOUN
easat-3760	221	6	healthy	healthy	ADJ
easat-3760	221	7	2021	2021	NUM
easat-3760	221	8	rp	rp	NOUN
easat-3760	221	9	.	.	PROPN
easat-3760	221	10	28,140,052	28,140,052	NUM
easat-3760	221	11	rp	rp	NOUN
easat-3760	221	12	.	.	PROPN
easat-3760	221	13	1,050,156,922	1,050,156,922	NUM
easat-3760	221	14	100	100	NUM
easat-3760	221	15	%	%	NOUN
easat-3760	221	16	2.7	2.7	NUM
easat-3760	221	17	%	%	NOUN
easat-3760	221	18	healthy	healthy	ADJ
easat-3760	221	19	pt	pt	PROPN
easat-3760	221	20	.	.	PROPN
easat-3760	221	21	bank	bank	PROPN
easat-3760	221	22	rakyat	rakyat	PROPN
easat-3760	221	23	indonesia	indonesia	PROPN
easat-3760	221	24	(	(	PUNCT
easat-3760	221	25	persero	persero	PROPN
easat-3760	221	26	)	)	PUNCT
easat-3760	221	27	,	,	PUNCT
easat-3760	221	28	tbk	tbk	NOUN
easat-3760	221	29	2020	2020	NUM
easat-3760	221	30	rp	rp	NOUN
easat-3760	221	31	.	.	PROPN
easat-3760	222	1	28,021,597	28,021,597	NUM
easat-3760	222	2	rp	rp	NOUN
easat-3760	222	3	.	.	PUNCT
easat-3760	222	4	1,020,192,968	1,020,192,968	NUM
easat-3760	222	5	100	100	NUM
easat-3760	222	6	%	%	NOUN
easat-3760	222	7	2.7	2.7	NUM
easat-3760	222	8	%	%	NOUN
easat-3760	222	9	healthy	healthy	ADJ
easat-3760	222	10	2021	2021	NUM
easat-3760	222	11	rp	rp	NOUN
easat-3760	222	12	.	.	PROPN
easat-3760	223	1	31,238,375	31,238,375	NUM
easat-3760	223	2	rp	rp	NOUN
easat-3760	223	3	.	.	PROPN
easat-3760	223	4	1,042,867,453	1,042,867,453	NUM
easat-3760	223	5	100	100	NUM
easat-3760	223	6	%	%	NOUN
easat-3760	223	7	3.0	3.0	NUM
easat-3760	223	8	%	%	NOUN
easat-3760	223	9	healthy	healthy	ADJ
easat-3760	223	10	pt	pt	PROPN
easat-3760	223	11	.	.	PROPN
easat-3760	223	12	bank	bank	PROPN
easat-3760	223	13	negara	negara	PROPN
easat-3760	223	14	indonesia	indonesia	PROPN
easat-3760	223	15	(	(	PUNCT
easat-3760	223	16	persero	persero	PROPN
easat-3760	223	17	)	)	PUNCT
easat-3760	223	18	,	,	PUNCT
easat-3760	223	19	tbk	tbk	NOUN
easat-3760	223	20	2020	2020	NUM
easat-3760	223	21	rp	rp	NOUN
easat-3760	223	22	.	.	PROPN
easat-3760	223	23	24,629,844	24,629,844	NUM
easat-3760	223	24	rp	rp	NOUN
easat-3760	223	25	.	.	PUNCT
easat-3760	224	1	586,206,787	586,206,787	NUM
easat-3760	224	2	100	100	NUM
easat-3760	224	3	%	%	NOUN
easat-3760	224	4	4.2	4.2	NUM
easat-3760	224	5	%	%	NOUN
easat-3760	224	6	healthy	healthy	ADJ
easat-3760	224	7	enough	enough	ADJ
easat-3760	224	8	2021	2021	NUM
easat-3760	224	9	rp	rp	NOUN
easat-3760	224	10	.	.	PROPN
easat-3760	224	11	21,527,805	21,527,805	NUM
easat-3760	224	12	rp	rp	NOUN
easat-3760	224	13	.	.	PUNCT
easat-3760	225	1	582,436,230	582,436,230	NUM
easat-3760	225	2	100	100	NUM
easat-3760	225	3	%	%	NOUN
easat-3760	225	4	3.7	3.7	NUM
easat-3760	225	5	%	%	NOUN
easat-3760	225	6	healthy	healthy	ADJ
easat-3760	225	7	enough	enough	ADJ
easat-3760	225	8	pt	pt	PROPN
easat-3760	225	9	.	.	PROPN
easat-3760	225	10	state	state	PROPN
easat-3760	225	11	savings	savings	PROPN
easat-3760	225	12	bank	bank	PROPN
easat-3760	225	13	(	(	PUNCT
easat-3760	225	14	persero	persero	PROPN
easat-3760	225	15	)	)	PUNCT
easat-3760	225	16	,	,	PUNCT
easat-3760	225	17	tbk	tbk	NOUN
easat-3760	225	18	2020	2020	NUM
easat-3760	225	19	rp	rp	NOUN
easat-3760	225	20	.	.	PROPN
easat-3760	225	21	11,355,333	11,355,333	NUM
easat-3760	225	22	rp	rp	NOUN
easat-3760	225	23	.	.	PROPN
easat-3760	226	1	260,114,163	260,114,163	NUM
easat-3760	226	2	100	100	NUM
easat-3760	226	3	%	%	NOUN
easat-3760	226	4	4.4	4.4	NUM
easat-3760	226	5	%	%	NOUN
easat-3760	226	6	healthy	healthy	ADJ
easat-3760	226	7	enough	enough	ADJ
easat-3760	226	8	2021	2021	NUM
easat-3760	226	9	rp	rp	NOUN
easat-3760	226	10	.	.	PROPN
easat-3760	226	11	10,179,042	10,179,042	NUM
easat-3760	226	12	rp	rp	NOUN
easat-3760	226	13	.	.	PROPN
easat-3760	227	1	274,835,291	274,835,291	NUM
easat-3760	227	2	100	100	NUM
easat-3760	227	3	%	%	NOUN
easat-3760	227	4	3.7	3.7	NUM
easat-3760	227	5	%	%	NOUN
easat-3760	227	6	healthy	healthy	ADJ
easat-3760	227	7	enough	enough	ADJ
easat-3760	227	8	1	1	NUM
easat-3760	227	9	)	)	PUNCT
easat-3760	227	10	pt	pt	PROPN
easat-3760	227	11	.	.	PROPN
easat-3760	227	12	bank	bank	NOUN
easat-3760	227	13	mandiri	mandiri	NOUN
easat-3760	227	14	(	(	PUNCT
easat-3760	227	15	persero	persero	NOUN
easat-3760	227	16	)	)	PUNCT
easat-3760	227	17	,	,	PUNCT
easat-3760	227	18	tbk	tbk	PROPN
easat-3760	227	19	pt	pt	PROPN
easat-3760	227	20	.	.	PROPN
easat-3760	227	21	bank	bank	PROPN
easat-3760	227	22	mandiri	mandiri	NOUN
easat-3760	227	23	(	(	PUNCT
easat-3760	227	24	persero	persero	NOUN
easat-3760	227	25	)	)	PUNCT
easat-3760	227	26	,	,	PUNCT
easat-3760	227	27	tbk	tbk	PROPN
easat-3760	227	28	experienced	experience	VERB
easat-3760	227	29	a	a	DET
easat-3760	227	30	decrease	decrease	NOUN
easat-3760	227	31	in	in	ADP
easat-3760	227	32	npl	npl	PROPN
easat-3760	227	33	in	in	ADP
easat-3760	227	34	2021	2021	NUM
easat-3760	227	35	,	,	PUNCT
easat-3760	227	36	being	be	AUX
easat-3760	227	37	in	in	ADP
easat-3760	227	38	the	the	DET
easat-3760	227	39	healthy	healthy	ADJ
easat-3760	227	40	category	category	NOUN
easat-3760	227	41	.	.	PUNCT
easat-3760	228	1	2	2	X
easat-3760	228	2	)	)	PUNCT
easat-3760	228	3	pt	pt	PROPN
easat-3760	228	4	.	.	PROPN
easat-3760	228	5	bank	bank	PROPN
easat-3760	228	6	rakyat	rakyat	PROPN
easat-3760	228	7	indonesia	indonesia	PROPN
easat-3760	228	8	(	(	PUNCT
easat-3760	228	9	persero	persero	PROPN
easat-3760	228	10	)	)	PUNCT
easat-3760	228	11	,	,	PUNCT
easat-3760	228	12	tbk	tbk	PROPN
easat-3760	228	13	pt	pt	PROPN
easat-3760	228	14	.	.	PROPN
easat-3760	228	15	bank	bank	PROPN
easat-3760	228	16	rakyat	rakyat	PROPN
easat-3760	228	17	indonesia	indonesia	PROPN
easat-3760	228	18	(	(	PUNCT
easat-3760	228	19	persero	persero	PROPN
easat-3760	228	20	)	)	PUNCT
easat-3760	228	21	,	,	PUNCT
easat-3760	228	22	tbk	tbk	PROPN
easat-3760	228	23	experienced	experience	VERB
easat-3760	228	24	an	an	DET
easat-3760	228	25	increase	increase	NOUN
easat-3760	228	26	in	in	ADP
easat-3760	228	27	npl	npl	NOUN
easat-3760	228	28	in	in	ADP
easat-3760	228	29	2021	2021	NUM
easat-3760	228	30	in	in	ADP
easat-3760	228	31	the	the	DET
easat-3760	228	32	healthy	healthy	ADJ
easat-3760	228	33	category	category	NOUN
easat-3760	228	34	,	,	PUNCT
easat-3760	228	35	and	and	CCONJ
easat-3760	228	36	experienced	experience	VERB
easat-3760	228	37	a	a	DET
easat-3760	228	38	decrease	decrease	NOUN
easat-3760	228	39	in	in	ADP
easat-3760	228	40	npl	npl	PROPN
easat-3760	228	41	in	in	ADP
easat-3760	228	42	2020	2020	NUM
easat-3760	228	43	in	in	ADP
easat-3760	228	44	the	the	DET
easat-3760	228	45	healthy	healthy	ADJ
easat-3760	228	46	category	category	NOUN
easat-3760	228	47	.	.	PUNCT
easat-3760	229	1	3	3	X
easat-3760	229	2	)	)	PUNCT
easat-3760	229	3	pt	pt	PROPN
easat-3760	229	4	.	.	PROPN
easat-3760	229	5	bank	bank	PROPN
easat-3760	229	6	negara	negara	PROPN
easat-3760	229	7	indonesia	indonesia	PROPN
easat-3760	229	8	(	(	PUNCT
easat-3760	229	9	persero	persero	PROPN
easat-3760	229	10	)	)	PUNCT
easat-3760	229	11	,	,	PUNCT
easat-3760	229	12	tbk	tbk	PROPN
easat-3760	229	13	pt	pt	PROPN
easat-3760	229	14	.	.	PROPN
easat-3760	229	15	bank	bank	PROPN
easat-3760	229	16	negara	negara	PROPN
easat-3760	229	17	indonesia	indonesia	PROPN
easat-3760	229	18	(	(	PUNCT
easat-3760	229	19	persero	persero	PROPN
easat-3760	229	20	)	)	PUNCT
easat-3760	229	21	,	,	PUNCT
easat-3760	229	22	tbk	tbk	PROPN
easat-3760	229	23	experienced	experience	VERB
easat-3760	229	24	an	an	DET
easat-3760	229	25	increase	increase	NOUN
easat-3760	229	26	in	in	ADP
easat-3760	229	27	the	the	DET
easat-3760	229	28	percentage	percentage	NOUN
easat-3760	229	29	of	of	ADP
easat-3760	229	30	npl	npl	NOUN
easat-3760	229	31	in	in	ADP
easat-3760	229	32	2020	2020	NUM
easat-3760	229	33	in	in	ADP
easat-3760	229	34	the	the	DET
easat-3760	229	35	fairly	fairly	ADV
easat-3760	229	36	healthy	healthy	ADJ
easat-3760	229	37	category	category	NOUN
easat-3760	229	38	,	,	PUNCT
easat-3760	229	39	and	and	CCONJ
easat-3760	229	40	experienced	experience	VERB
easat-3760	229	41	a	a	DET
easat-3760	229	42	decrease	decrease	NOUN
easat-3760	229	43	in	in	ADP
easat-3760	229	44	the	the	DET
easat-3760	229	45	percentage	percentage	NOUN
easat-3760	229	46	of	of	ADP
easat-3760	229	47	npl	npl	NOUN
easat-3760	229	48	in	in	ADP
easat-3760	229	49	2021	2021	NUM
easat-3760	229	50	in	in	ADP
easat-3760	229	51	the	the	DET
easat-3760	229	52	fairly	fairly	ADV
easat-3760	229	53	healthy	healthy	ADJ
easat-3760	229	54	category	category	NOUN
easat-3760	229	55	.	.	PUNCT
easat-3760	230	1	4	4	NUM
easat-3760	230	2	)	)	PUNCT
easat-3760	230	3	pt	pt	PROPN
easat-3760	230	4	.	.	PROPN
easat-3760	230	5	state	state	PROPN
easat-3760	230	6	savings	savings	PROPN
easat-3760	230	7	bank	bank	PROPN
easat-3760	230	8	(	(	PUNCT
easat-3760	230	9	persero	persero	PROPN
easat-3760	230	10	)	)	PUNCT
easat-3760	230	11	,	,	PUNCT
easat-3760	230	12	tbk	tbk	PROPN
easat-3760	230	13	pt	pt	PROPN
easat-3760	230	14	.	.	PROPN
easat-3760	230	15	bank	bank	PROPN
easat-3760	230	16	tabungan	tabungan	VERB
easat-3760	230	17	negara	negara	PROPN
easat-3760	230	18	(	(	PUNCT
easat-3760	230	19	persero	persero	PROPN
easat-3760	230	20	)	)	PUNCT
easat-3760	230	21	,	,	PUNCT
easat-3760	230	22	tbk	tbk	PROPN
easat-3760	230	23	experienced	experience	VERB
easat-3760	230	24	a	a	DET
easat-3760	230	25	periodic	periodic	ADJ
easat-3760	230	26	decline	decline	NOUN
easat-3760	230	27	during	during	ADP
easat-3760	230	28	the	the	DET
easat-3760	230	29	2020	2020	NUM
easat-3760	230	30	-	-	SYM
easat-3760	230	31	2021	2021	NUM
easat-3760	230	32	period	period	NOUN
easat-3760	230	33	and	and	CCONJ
easat-3760	230	34	was	be	AUX
easat-3760	230	35	in	in	ADP
easat-3760	230	36	the	the	DET
easat-3760	230	37	fairly	fairly	ADV
easat-3760	230	38	healthy	healthy	ADJ
easat-3760	230	39	category	category	NOUN
easat-3760	230	40	.	.	PUNCT
easat-3760	231	1	8180	8180	NUM
easat-3760	231	2	edelweiss	edelweiss	PROPN
easat-3760	231	3	applied	apply	VERB
easat-3760	231	4	science	science	NOUN
easat-3760	231	5	and	and	CCONJ
easat-3760	231	6	technology	technology	NOUN
easat-3760	231	7	issn	issn	PROPN
easat-3760	231	8	:	:	PUNCT
easat-3760	231	9	2576	2576	NUM
easat-3760	231	10	-	-	SYM
easat-3760	231	11	8484	8484	NUM
easat-3760	231	12	vol	vol	NOUN
easat-3760	231	13	.	.	PROPN
easat-3760	231	14	8	8	NUM
easat-3760	231	15	,	,	PUNCT
easat-3760	231	16	no	no	INTJ
easat-3760	231	17	.	.	NOUN
easat-3760	232	1	6	6	NUM
easat-3760	232	2	:	:	SYM
easat-3760	232	3	8168	8168	NUM
easat-3760	232	4	-	-	SYM
easat-3760	232	5	8188	8188	NUM
easat-3760	232	6	,	,	PUNCT
easat-3760	232	7	2024	2024	NUM
easat-3760	232	8	doi	doi	NOUN
easat-3760	232	9	:	:	PUNCT
easat-3760	232	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	232	11	©	©	PROPN
easat-3760	232	12	2024	2024	NUM
easat-3760	232	13	by	by	ADP
easat-3760	232	14	the	the	DET
easat-3760	232	15	authors	author	NOUN
easat-3760	232	16	;	;	PUNCT
easat-3760	232	17	licensee	licensee	PROPN
easat-3760	232	18	learning	learning	NOUN
easat-3760	232	19	gate	gate	VERB
easat-3760	232	20	4.2	4.2	NUM
easat-3760	232	21	.	.	PUNCT
easat-3760	233	1	analysis	analysis	NOUN
easat-3760	233	2	of	of	ADP
easat-3760	233	3	state	state	NOUN
easat-3760	233	4	-	-	PUNCT
easat-3760	233	5	owned	own	VERB
easat-3760	233	6	bank	bank	NOUN
easat-3760	233	7	financial	financial	ADJ
easat-3760	233	8	ratios	ratio	NOUN
easat-3760	233	9	after	after	ADP
easat-3760	233	10	the	the	DET
easat-3760	233	11	covid-19	covid-19	PROPN
easat-3760	233	12	pandemic	pandemic	ADJ
easat-3760	233	13	4.2.1	4.2.1	NOUN
easat-3760	233	14	.	.	PUNCT
easat-3760	234	1	analysis	analysis	NOUN
easat-3760	234	2	of	of	ADP
easat-3760	234	3	loan	loan	NOUN
easat-3760	234	4	to	to	PART
easat-3760	234	5	deposit	deposit	VERB
easat-3760	234	6	ratio	ratio	NOUN
easat-3760	234	7	of	of	ADP
easat-3760	234	8	state	state	NOUN
easat-3760	234	9	-	-	PUNCT
easat-3760	234	10	owned	own	VERB
easat-3760	234	11	bank	bank	NOUN
easat-3760	234	12	finance	finance	NOUN
easat-3760	234	13	for	for	ADP
easat-3760	234	14	the	the	DET
easat-3760	234	15	period	period	NOUN
easat-3760	234	16	2022	2022	NUM
easat-3760	234	17	and	and	CCONJ
easat-3760	234	18	2023	2023	NUM
easat-3760	234	19	table	table	NOUN
easat-3760	234	20	15	15	NUM
easat-3760	234	21	.	.	PUNCT
easat-3760	235	1	loan	loan	NOUN
easat-3760	235	2	to	to	PART
easat-3760	235	3	deposit	deposit	NOUN
easat-3760	235	4	ratio	ratio	NOUN
easat-3760	235	5	(	(	PUNCT
easat-3760	235	6	ldr	ldr	PROPN
easat-3760	235	7	)	)	PUNCT
easat-3760	235	8	of	of	ADP
easat-3760	235	9	bumn	bumn	NOUN
easat-3760	235	10	banks	bank	NOUN
easat-3760	235	11	for	for	ADP
easat-3760	235	12	the	the	DET
easat-3760	235	13	2022	2022	NUM
easat-3760	235	14	-	-	SYM
easat-3760	235	15	2023	2023	NUM
easat-3760	235	16	period	period	NOUN
easat-3760	235	17	.	.	PUNCT
easat-3760	236	1	expressed	express	VERB
easat-3760	236	2	in	in	ADP
easat-3760	236	3	millions	million	NOUN
easat-3760	236	4	of	of	ADP
easat-3760	236	5	rupiah	rupiah	NOUN
easat-3760	236	6	,	,	PUNCT
easat-3760	236	7	unless	unless	SCONJ
easat-3760	236	8	otherwise	otherwise	ADV
easat-3760	236	9	stated	state	VERB
easat-3760	236	10	)	)	PUNCT
easat-3760	236	11	year	year	NOUN
easat-3760	236	12	total	total	ADJ
easat-3760	236	13	credit	credit	NOUN
easat-3760	236	14	total	total	ADJ
easat-3760	236	15	third	third	ADJ
easat-3760	236	16	party	party	NOUN
easat-3760	236	17	funds	fund	NOUN
easat-3760	236	18	100	100	NUM
easat-3760	236	19	%	%	NOUN
easat-3760	236	20	ldr	ldr	PROPN
easat-3760	236	21	ojk	ojk	NOUN
easat-3760	236	22	standards	standard	NOUN
easat-3760	236	23	(	(	PUNCT
easat-3760	236	24	a	a	NOUN
easat-3760	236	25	)	)	PUNCT
easat-3760	236	26	(	(	PUNCT
easat-3760	236	27	b	b	X
easat-3760	236	28	)	)	PUNCT
easat-3760	236	29	(	(	PUNCT
easat-3760	236	30	c	c	X
easat-3760	236	31	)	)	PUNCT
easat-3760	236	32	a	a	DET
easat-3760	236	33	/	/	SYM
easat-3760	236	34	b×c	b×c	PROPN
easat-3760	236	35	pt	pt	PROPN
easat-3760	236	36	.	.	PROPN
easat-3760	236	37	bank	bank	PROPN
easat-3760	236	38	mandiri	mandiri	NOUN
easat-3760	236	39	(	(	PUNCT
easat-3760	236	40	persero	persero	NOUN
easat-3760	236	41	)	)	PUNCT
easat-3760	236	42	,	,	PUNCT
easat-3760	236	43	tbk	tbk	VERB
easat-3760	236	44	2022	2022	NUM
easat-3760	236	45	rp	rp	PROPN
easat-3760	236	46	.	.	PROPN
easat-3760	236	47	1,202,230,169	1,202,230,169	PROPN
easat-3760	236	48	rp	rp	NOUN
easat-3760	236	49	.	.	PROPN
easat-3760	236	50	1,490,844,592	1,490,844,592	NUM
easat-3760	236	51	100	100	NUM
easat-3760	236	52	%	%	NOUN
easat-3760	236	53	80.6	80.6	NUM
easat-3760	236	54	%	%	NOUN
easat-3760	236	55	healthy	healthy	ADJ
easat-3760	236	56	2023	2023	NUM
easat-3760	236	57	rp	rp	NOUN
easat-3760	236	58	.	.	PROPN
easat-3760	236	59	1,398,071,233	1,398,071,233	NUM
easat-3760	237	1	rp	rp	NOUN
easat-3760	237	2	.	.	PUNCT
easat-3760	237	3	1,576,949,619	1,576,949,619	PROPN
easat-3760	237	4	100	100	NUM
easat-3760	237	5	%	%	NOUN
easat-3760	237	6	88.7	88.7	NUM
easat-3760	237	7	%	%	NOUN
easat-3760	237	8	healthy	healthy	ADJ
easat-3760	237	9	enough	enough	ADJ
easat-3760	237	10	pt	pt	PROPN
easat-3760	237	11	.	.	PROPN
easat-3760	237	12	bank	bank	PROPN
easat-3760	237	13	rakyat	rakyat	PROPN
easat-3760	237	14	indonesia	indonesia	PROPN
easat-3760	237	15	(	(	PUNCT
easat-3760	237	16	persero	persero	PROPN
easat-3760	237	17	)	)	PUNCT
easat-3760	237	18	,	,	PUNCT
easat-3760	237	19	tbk	tbk	VERB
easat-3760	237	20	2022	2022	NUM
easat-3760	237	21	rp	rp	PROPN
easat-3760	237	22	.	.	PUNCT
easat-3760	238	1	1,139,077,065	1,139,077,065	PROPN
easat-3760	239	1	rp	rp	NOUN
easat-3760	239	2	.	.	PUNCT
easat-3760	240	1	1,307,884,013	1,307,884,013	NUM
easat-3760	240	2	100	100	NUM
easat-3760	240	3	%	%	NOUN
easat-3760	240	4	87.1	87.1	NUM
easat-3760	240	5	%	%	NOUN
easat-3760	240	6	healthy	healthy	ADJ
easat-3760	240	7	enough	enough	ADJ
easat-3760	240	8	2023	2023	NUM
easat-3760	240	9	rp	rp	NOUN
easat-3760	240	10	.	.	PROPN
easat-3760	240	11	1,266,429,247	1,266,429,247	NUM
easat-3760	241	1	rp	rp	NOUN
easat-3760	241	2	.	.	PUNCT
easat-3760	241	3	1,358,328,761	1,358,328,761	NUM
easat-3760	241	4	100	100	NUM
easat-3760	241	5	%	%	NOUN
easat-3760	241	6	93.2	93.2	NUM
easat-3760	241	7	%	%	NOUN
easat-3760	241	8	healthy	healthy	ADJ
easat-3760	241	9	enough	enough	ADJ
easat-3760	241	10	pt	pt	PROPN
easat-3760	241	11	.	.	PROPN
easat-3760	241	12	bank	bank	PROPN
easat-3760	241	13	negara	negara	PROPN
easat-3760	241	14	indonesia	indonesia	PROPN
easat-3760	241	15	(	(	PUNCT
easat-3760	241	16	persero	persero	PROPN
easat-3760	241	17	)	)	PUNCT
easat-3760	241	18	,	,	PUNCT
easat-3760	241	19	tbk	tbk	VERB
easat-3760	241	20	2022	2022	NUM
easat-3760	241	21	rp	rp	NOUN
easat-3760	241	22	.	.	PUNCT
easat-3760	242	1	646,188,313	646,188,313	NUM
easat-3760	242	2	rp	rp	NOUN
easat-3760	242	3	.	.	PUNCT
easat-3760	243	1	769,268,991	769,268,991	NUM
easat-3760	243	2	100	100	NUM
easat-3760	243	3	%	%	NOUN
easat-3760	243	4	84	84	NUM
easat-3760	243	5	%	%	NOUN
easat-3760	243	6	healthy	healthy	ADJ
easat-3760	243	7	enough	enough	ADJ
easat-3760	243	8	2023	2023	NUM
easat-3760	243	9	rp	rp	NOUN
easat-3760	243	10	.	.	PROPN
easat-3760	244	1	695,084,769	695,084,769	NUM
easat-3760	244	2	rp	rp	NOUN
easat-3760	244	3	.	.	PROPN
easat-3760	245	1	810,730,343	810,730,343	NUM
easat-3760	245	2	100	100	NUM
easat-3760	245	3	%	%	NOUN
easat-3760	245	4	86	86	NUM
easat-3760	245	5	%	%	NOUN
easat-3760	245	6	healthy	healthy	ADJ
easat-3760	245	7	enough	enough	ADJ
easat-3760	245	8	pt	pt	PROPN
easat-3760	245	9	.	.	PROPN
easat-3760	245	10	state	state	PROPN
easat-3760	245	11	savings	savings	PROPN
easat-3760	245	12	bank	bank	PROPN
easat-3760	245	13	(	(	PUNCT
easat-3760	245	14	persero	persero	PROPN
easat-3760	245	15	)	)	PUNCT
easat-3760	245	16	,	,	PUNCT
easat-3760	245	17	tbk	tbk	VERB
easat-3760	245	18	2022	2022	NUM
easat-3760	245	19	rp	rp	NOUN
easat-3760	245	20	.	.	PROPN
easat-3760	245	21	298,281,704	298,281,704	NUM
easat-3760	245	22	rp	rp	NOUN
easat-3760	245	23	.	.	PROPN
easat-3760	246	1	321,923,257	321,923,257	NUM
easat-3760	246	2	100	100	NUM
easat-3760	246	3	%	%	NOUN
easat-3760	246	4	92.7	92.7	NUM
easat-3760	246	5	%	%	NOUN
easat-3760	246	6	healthy	healthy	ADJ
easat-3760	246	7	enough	enough	ADJ
easat-3760	246	8	2023	2023	NUM
easat-3760	246	9	rp	rp	NOUN
easat-3760	246	10	.	.	PROPN
easat-3760	247	1	333,698,141	333,698,141	NUM
easat-3760	247	2	rp	rp	NOUN
easat-3760	247	3	.	.	PROPN
easat-3760	247	4	349,584,008	349,584,008	NUM
easat-3760	247	5	100	100	NUM
easat-3760	247	6	%	%	NOUN
easat-3760	247	7	95.5	95.5	NUM
easat-3760	247	8	%	%	NOUN
easat-3760	247	9	healthy	healthy	ADJ
easat-3760	247	10	enough	enough	ADJ
easat-3760	247	11	1	1	NUM
easat-3760	247	12	)	)	PUNCT
easat-3760	247	13	pt	pt	PROPN
easat-3760	247	14	.	.	PROPN
easat-3760	247	15	bank	bank	NOUN
easat-3760	247	16	mandiri	mandiri	NOUN
easat-3760	247	17	(	(	PUNCT
easat-3760	247	18	persero	persero	NOUN
easat-3760	247	19	)	)	PUNCT
easat-3760	247	20	,	,	PUNCT
easat-3760	247	21	tbk	tbk	PROPN
easat-3760	247	22	pt	pt	PROPN
easat-3760	247	23	.	.	PROPN
easat-3760	247	24	bank	bank	PROPN
easat-3760	247	25	mandiri	mandiri	NOUN
easat-3760	247	26	(	(	PUNCT
easat-3760	247	27	persero	persero	NOUN
easat-3760	247	28	)	)	PUNCT
easat-3760	247	29	,	,	PUNCT
easat-3760	247	30	tbk	tbk	VERB
easat-3760	247	31	during	during	ADP
easat-3760	247	32	the	the	DET
easat-3760	247	33	2022	2022	NUM
easat-3760	247	34	period	period	NOUN
easat-3760	247	35	obtained	obtain	VERB
easat-3760	247	36	a	a	DET
easat-3760	247	37	healthy	healthy	ADJ
easat-3760	247	38	ldr	ldr	NOUN
easat-3760	247	39	percentage	percentage	NOUN
easat-3760	247	40	and	and	CCONJ
easat-3760	247	41	the	the	DET
easat-3760	247	42	2023	2023	NUM
easat-3760	247	43	period	period	NOUN
easat-3760	247	44	was	be	AUX
easat-3760	247	45	quite	quite	ADV
easat-3760	247	46	healthy	healthy	ADJ
easat-3760	247	47	.	.	PUNCT
easat-3760	248	1	2	2	X
easat-3760	248	2	)	)	PUNCT
easat-3760	248	3	pt	pt	PROPN
easat-3760	248	4	.	.	PROPN
easat-3760	248	5	bank	bank	PROPN
easat-3760	248	6	rakyat	rakyat	PROPN
easat-3760	248	7	indonesia	indonesia	PROPN
easat-3760	248	8	(	(	PUNCT
easat-3760	248	9	persero	persero	PROPN
easat-3760	248	10	)	)	PUNCT
easat-3760	248	11	,	,	PUNCT
easat-3760	248	12	tbk	tbk	PROPN
easat-3760	248	13	pt	pt	PROPN
easat-3760	248	14	.	.	PROPN
easat-3760	248	15	bank	bank	PROPN
easat-3760	248	16	rakyat	rakyat	PROPN
easat-3760	248	17	indonesia	indonesia	PROPN
easat-3760	248	18	(	(	PUNCT
easat-3760	248	19	persero	persero	PROPN
easat-3760	248	20	)	)	PUNCT
easat-3760	248	21	,	,	PUNCT
easat-3760	248	22	tbk	tbk	PROPN
easat-3760	248	23	experienced	experience	VERB
easat-3760	248	24	a	a	DET
easat-3760	248	25	fairly	fairly	ADV
easat-3760	248	26	healthy	healthy	ADJ
easat-3760	248	27	ldr	ldr	NOUN
easat-3760	248	28	percentage	percentage	NOUN
easat-3760	248	29	.	.	PUNCT
easat-3760	249	1	3	3	X
easat-3760	249	2	)	)	PUNCT
easat-3760	249	3	pt	pt	PROPN
easat-3760	249	4	.	.	PROPN
easat-3760	249	5	bank	bank	PROPN
easat-3760	249	6	negara	negara	PROPN
easat-3760	249	7	indonesia	indonesia	PROPN
easat-3760	249	8	(	(	PUNCT
easat-3760	249	9	persero	persero	PROPN
easat-3760	249	10	)	)	PUNCT
easat-3760	249	11	,	,	PUNCT
easat-3760	249	12	tbk	tbk	PROPN
easat-3760	249	13	pt	pt	PROPN
easat-3760	249	14	.	.	PROPN
easat-3760	249	15	bank	bank	PROPN
easat-3760	249	16	negara	negara	PROPN
easat-3760	249	17	indonesia	indonesia	PROPN
easat-3760	249	18	(	(	PUNCT
easat-3760	249	19	persero	persero	PROPN
easat-3760	249	20	)	)	PUNCT
easat-3760	249	21	,	,	PUNCT
easat-3760	249	22	tbk	tbk	PROPN
easat-3760	249	23	has	have	VERB
easat-3760	249	24	a	a	DET
easat-3760	249	25	fairly	fairly	ADV
easat-3760	249	26	healthy	healthy	ADJ
easat-3760	249	27	ldr	ldr	NOUN
easat-3760	249	28	percentage	percentage	NOUN
easat-3760	249	29	for	for	ADP
easat-3760	249	30	2022	2022	NUM
easat-3760	249	31	and	and	CCONJ
easat-3760	249	32	2023	2023	NUM
easat-3760	249	33	.	.	PUNCT
easat-3760	250	1	4	4	NUM
easat-3760	250	2	)	)	PUNCT
easat-3760	250	3	pt	pt	PROPN
easat-3760	250	4	.	.	PROPN
easat-3760	250	5	state	state	PROPN
easat-3760	250	6	savings	savings	PROPN
easat-3760	250	7	bank	bank	PROPN
easat-3760	250	8	(	(	PUNCT
easat-3760	250	9	persero	persero	PROPN
easat-3760	250	10	)	)	PUNCT
easat-3760	250	11	,	,	PUNCT
easat-3760	250	12	tbk	tbk	PROPN
easat-3760	250	13	pt	pt	PROPN
easat-3760	250	14	.	.	PROPN
easat-3760	250	15	bank	bank	PROPN
easat-3760	250	16	tabungan	tabungan	VERB
easat-3760	250	17	negara	negara	PROPN
easat-3760	250	18	(	(	PUNCT
easat-3760	250	19	persero	persero	PROPN
easat-3760	250	20	)	)	PUNCT
easat-3760	250	21	,	,	PUNCT
easat-3760	250	22	tbk	tbk	PROPN
easat-3760	250	23	has	have	VERB
easat-3760	250	24	a	a	DET
easat-3760	250	25	fairly	fairly	ADV
easat-3760	250	26	healthy	healthy	ADJ
easat-3760	250	27	ldr	ldr	NOUN
easat-3760	250	28	percentage	percentage	NOUN
easat-3760	250	29	in	in	ADP
easat-3760	250	30	2022	2022	NUM
easat-3760	250	31	and	and	CCONJ
easat-3760	250	32	2023	2023	NUM
easat-3760	250	33	.	.	PUNCT
easat-3760	251	1	8181	8181	NUM
easat-3760	251	2	edelweiss	edelweiss	PROPN
easat-3760	251	3	applied	apply	VERB
easat-3760	251	4	science	science	NOUN
easat-3760	251	5	and	and	CCONJ
easat-3760	251	6	technology	technology	NOUN
easat-3760	251	7	issn	issn	PROPN
easat-3760	251	8	:	:	PUNCT
easat-3760	251	9	2576	2576	NUM
easat-3760	251	10	-	-	SYM
easat-3760	251	11	8484	8484	NUM
easat-3760	251	12	vol	vol	NOUN
easat-3760	251	13	.	.	PROPN
easat-3760	251	14	8	8	NUM
easat-3760	251	15	,	,	PUNCT
easat-3760	251	16	no	no	INTJ
easat-3760	251	17	.	.	NOUN
easat-3760	252	1	6	6	NUM
easat-3760	252	2	:	:	SYM
easat-3760	252	3	8168	8168	NUM
easat-3760	252	4	-	-	SYM
easat-3760	252	5	8188	8188	NUM
easat-3760	252	6	,	,	PUNCT
easat-3760	252	7	2024	2024	NUM
easat-3760	252	8	doi	doi	NOUN
easat-3760	252	9	:	:	PUNCT
easat-3760	252	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	252	11	©	©	PROPN
easat-3760	252	12	2024	2024	NUM
easat-3760	252	13	by	by	ADP
easat-3760	252	14	the	the	DET
easat-3760	252	15	authors	author	NOUN
easat-3760	252	16	;	;	PUNCT
easat-3760	252	17	licensee	licensee	PROPN
easat-3760	252	18	learning	learn	VERB
easat-3760	252	19	gate	gate	PROPN
easat-3760	252	20	4.2.2	4.2.2	X
easat-3760	252	21	.	.	PUNCT
easat-3760	253	1	analysis	analysis	NOUN
easat-3760	253	2	of	of	ADP
easat-3760	253	3	financial	financial	ADJ
easat-3760	253	4	solvency	solvency	NOUN
easat-3760	253	5	ratio	ratio	NOUN
easat-3760	253	6	of	of	ADP
easat-3760	253	7	state	state	NOUN
easat-3760	253	8	-	-	PUNCT
easat-3760	253	9	owned	own	VERB
easat-3760	253	10	banks	bank	NOUN
easat-3760	253	11	for	for	ADP
easat-3760	253	12	the	the	DET
easat-3760	253	13	period	period	NOUN
easat-3760	253	14	2022	2022	NUM
easat-3760	253	15	-	-	SYM
easat-3760	253	16	2023	2023	NUM
easat-3760	253	17	table	table	NOUN
easat-3760	253	18	16	16	NUM
easat-3760	253	19	.	.	PUNCT
easat-3760	254	1	capital	capital	NOUN
easat-3760	254	2	adequacy	adequacy	NOUN
easat-3760	254	3	ratio	ratio	NOUN
easat-3760	254	4	(	(	PUNCT
easat-3760	254	5	car	car	NOUN
easat-3760	254	6	)	)	PUNCT
easat-3760	254	7	of	of	ADP
easat-3760	254	8	state	state	NOUN
easat-3760	254	9	-	-	PUNCT
easat-3760	254	10	owned	own	VERB
easat-3760	254	11	banks	bank	NOUN
easat-3760	254	12	for	for	ADP
easat-3760	254	13	the	the	DET
easat-3760	254	14	period	period	NOUN
easat-3760	254	15	2022	2022	NUM
easat-3760	254	16	-	-	SYM
easat-3760	254	17	2023	2023	NUM
easat-3760	254	18	.	.	PUNCT
easat-3760	255	1	(	(	PUNCT
easat-3760	255	2	expressed	express	VERB
easat-3760	255	3	in	in	ADP
easat-3760	255	4	millions	million	NOUN
easat-3760	255	5	of	of	ADP
easat-3760	255	6	rupiah	rupiah	NOUN
easat-3760	255	7	,	,	PUNCT
easat-3760	255	8	unless	unless	SCONJ
easat-3760	255	9	otherwise	otherwise	ADV
easat-3760	255	10	stated	state	VERB
easat-3760	255	11	)	)	PUNCT
easat-3760	255	12	year	year	NOUN
easat-3760	255	13	core	core	NOUN
easat-3760	255	14	capital	capital	NOUN
easat-3760	255	15	atmr	atmr	ADJ
easat-3760	255	16	100	100	NUM
easat-3760	255	17	%	%	NOUN
easat-3760	255	18	car	car	NOUN
easat-3760	255	19	ojk	ojk	NOUN
easat-3760	255	20	standards	standard	NOUN
easat-3760	255	21	(	(	PUNCT
easat-3760	255	22	a	a	NOUN
easat-3760	255	23	)	)	PUNCT
easat-3760	255	24	(	(	PUNCT
easat-3760	255	25	b	b	X
easat-3760	255	26	)	)	PUNCT
easat-3760	255	27	(	(	PUNCT
easat-3760	255	28	c	c	X
easat-3760	255	29	)	)	PUNCT
easat-3760	255	30	a	a	DET
easat-3760	255	31	/	/	SYM
easat-3760	255	32	b×c	b×c	PROPN
easat-3760	255	33	pt	pt	PROPN
easat-3760	255	34	.	.	PROPN
easat-3760	255	35	bank	bank	PROPN
easat-3760	255	36	mandiri	mandiri	NOUN
easat-3760	255	37	(	(	PUNCT
easat-3760	255	38	persero	persero	NOUN
easat-3760	255	39	)	)	PUNCT
easat-3760	255	40	,	,	PUNCT
easat-3760	255	41	tbk	tbk	VERB
easat-3760	255	42	2022	2022	NUM
easat-3760	255	43	rp	rp	NOUN
easat-3760	255	44	.	.	PROPN
easat-3760	256	1	223,271,290	223,271,290	NUM
easat-3760	256	2	rp	rp	NOUN
easat-3760	256	3	.	.	PUNCT
easat-3760	256	4	1,203,506,671	1,203,506,671	NOUN
easat-3760	256	5	100	100	NUM
easat-3760	256	6	%	%	NOUN
easat-3760	256	7	18.6	18.6	NUM
easat-3760	256	8	%	%	NOUN
easat-3760	256	9	very	very	ADV
easat-3760	256	10	healthy	healthy	ADJ
easat-3760	256	11	2023	2023	NUM
easat-3760	256	12	rp	rp	NOUN
easat-3760	256	13	.	.	PROPN
easat-3760	257	1	258,956,049	258,956,049	NUM
easat-3760	257	2	rp	rp	NOUN
easat-3760	257	3	.	.	PROPN
easat-3760	257	4	1,245,624,433	1,245,624,433	NUM
easat-3760	257	5	100	100	NUM
easat-3760	257	6	%	%	NOUN
easat-3760	257	7	20.8	20.8	NUM
easat-3760	257	8	%	%	NOUN
easat-3760	257	9	very	very	ADV
easat-3760	257	10	healthy	healthy	ADJ
easat-3760	257	11	pt	pt	PROPN
easat-3760	257	12	.	.	PROPN
easat-3760	257	13	bank	bank	PROPN
easat-3760	257	14	rakyat	rakyat	PROPN
easat-3760	257	15	indonesia	indonesia	PROPN
easat-3760	257	16	(	(	PUNCT
easat-3760	257	17	persero	persero	PROPN
easat-3760	257	18	)	)	PUNCT
easat-3760	257	19	,	,	PUNCT
easat-3760	257	20	tbk	tbk	VERB
easat-3760	257	21	2022	2022	NUM
easat-3760	257	22	rp	rp	NOUN
easat-3760	257	23	.	.	PROPN
easat-3760	258	1	273,812,348	273,812,348	NUM
easat-3760	258	2	rp	rp	NOUN
easat-3760	258	3	.	.	PUNCT
easat-3760	259	1	1,116,250,681	1,116,250,681	NUM
easat-3760	259	2	100	100	NUM
easat-3760	259	3	%	%	NOUN
easat-3760	259	4	24.5	24.5	NUM
easat-3760	259	5	%	%	NOUN
easat-3760	259	6	very	very	ADV
easat-3760	259	7	healthy	healthy	ADJ
easat-3760	259	8	2023	2023	NUM
easat-3760	259	9	rp	rp	NOUN
easat-3760	259	10	.	.	PROPN
easat-3760	260	1	283,949,415	283,949,415	NUM
easat-3760	260	2	rp	rp	NOUN
easat-3760	260	3	.	.	PUNCT
easat-3760	260	4	1,086,957,749	1,086,957,749	NUM
easat-3760	260	5	100	100	NUM
easat-3760	260	6	%	%	NOUN
easat-3760	260	7	26.1	26.1	NUM
easat-3760	260	8	%	%	NOUN
easat-3760	260	9	very	very	ADV
easat-3760	260	10	healthy	healthy	ADJ
easat-3760	260	11	pt	pt	PROPN
easat-3760	260	12	.	.	PROPN
easat-3760	260	13	bank	bank	PROPN
easat-3760	260	14	negara	negara	PROPN
easat-3760	260	15	indonesia	indonesia	PROPN
easat-3760	260	16	(	(	PUNCT
easat-3760	260	17	persero	persero	PROPN
easat-3760	260	18	)	)	PUNCT
easat-3760	260	19	,	,	PUNCT
easat-3760	260	20	tbk	tbk	VERB
easat-3760	260	21	2022	2022	NUM
easat-3760	260	22	rp	rp	NOUN
easat-3760	260	23	.	.	PROPN
easat-3760	261	1	133,435,934	133,435,934	NUM
easat-3760	261	2	rp	rp	NOUN
easat-3760	261	3	.	.	PROPN
easat-3760	262	1	710,550,455	710,550,455	NUM
easat-3760	262	2	100	100	NUM
easat-3760	262	3	%	%	NOUN
easat-3760	262	4	18.8	18.8	NUM
easat-3760	262	5	%	%	NOUN
easat-3760	262	6	very	very	ADV
easat-3760	262	7	healthy	healthy	ADJ
easat-3760	262	8	2023	2023	NUM
easat-3760	262	9	rp	rp	NOUN
easat-3760	262	10	.	.	PUNCT
easat-3760	263	1	147,488,111	147,488,111	NUM
easat-3760	263	2	rp	rp	NOUN
easat-3760	263	3	.	.	PUNCT
easat-3760	264	1	684,777,419	684,777,419	NUM
easat-3760	264	2	100	100	NUM
easat-3760	264	3	%	%	NOUN
easat-3760	264	4	21.5	21.5	NUM
easat-3760	264	5	%	%	NOUN
easat-3760	264	6	very	very	ADV
easat-3760	264	7	healthy	healthy	ADJ
easat-3760	264	8	pt	pt	PROPN
easat-3760	264	9	.	.	PROPN
easat-3760	264	10	state	state	PROPN
easat-3760	264	11	savings	savings	PROPN
easat-3760	264	12	bank	bank	PROPN
easat-3760	264	13	(	(	PUNCT
easat-3760	264	14	persero	persero	PROPN
easat-3760	264	15	)	)	PUNCT
easat-3760	264	16	,	,	PUNCT
easat-3760	264	17	tbk	tbk	VERB
easat-3760	264	18	2022	2022	NUM
easat-3760	264	19	rp	rp	NOUN
easat-3760	264	20	.	.	PROPN
easat-3760	265	1	22,533,407	22,533,407	NUM
easat-3760	265	2	rp	rp	NOUN
easat-3760	265	3	.	.	PROPN
easat-3760	266	1	139,630,514	139,630,514	NUM
easat-3760	266	2	100	100	NUM
easat-3760	266	3	%	%	NOUN
easat-3760	266	4	16.1	16.1	NUM
easat-3760	266	5	%	%	NOUN
easat-3760	266	6	very	very	ADV
easat-3760	266	7	healthy	healthy	ADJ
easat-3760	266	8	2023	2023	NUM
easat-3760	266	9	rp	rp	NOUN
easat-3760	266	10	.	.	PROPN
easat-3760	266	11	27,154,078	27,154,078	NUM
easat-3760	266	12	rp	rp	NOUN
easat-3760	266	13	.	.	PROPN
easat-3760	267	1	155,590,147	155,590,147	NUM
easat-3760	267	2	100	100	NUM
easat-3760	267	3	%	%	NOUN
easat-3760	267	4	17.5	17.5	NUM
easat-3760	267	5	%	%	NOUN
easat-3760	267	6	very	very	ADV
easat-3760	267	7	healthy	healthy	ADJ
easat-3760	267	8	1	1	NUM
easat-3760	267	9	)	)	PUNCT
easat-3760	267	10	pt	pt	PROPN
easat-3760	267	11	.	.	PROPN
easat-3760	267	12	bank	bank	NOUN
easat-3760	267	13	mandiri	mandiri	NOUN
easat-3760	267	14	(	(	PUNCT
easat-3760	267	15	persero	persero	NOUN
easat-3760	267	16	)	)	PUNCT
easat-3760	267	17	,	,	PUNCT
easat-3760	267	18	tbk	tbk	PROPN
easat-3760	267	19	pt	pt	PROPN
easat-3760	267	20	.	.	PROPN
easat-3760	267	21	bank	bank	PROPN
easat-3760	267	22	mandiri	mandiri	NOUN
easat-3760	267	23	(	(	PUNCT
easat-3760	267	24	persero	persero	NOUN
easat-3760	267	25	)	)	PUNCT
easat-3760	267	26	,	,	PUNCT
easat-3760	267	27	tbk	tbk	PROPN
easat-3760	267	28	has	have	VERB
easat-3760	267	29	a	a	DET
easat-3760	267	30	car	car	NOUN
easat-3760	267	31	ratio	ratio	NOUN
easat-3760	267	32	percentage	percentage	NOUN
easat-3760	267	33	in	in	ADP
easat-3760	267	34	the	the	DET
easat-3760	267	35	very	very	ADV
easat-3760	267	36	healthy	healthy	ADJ
easat-3760	267	37	category	category	NOUN
easat-3760	267	38	during	during	ADP
easat-3760	267	39	the	the	DET
easat-3760	267	40	2022	2022	NUM
easat-3760	267	41	-	-	SYM
easat-3760	267	42	2023	2023	NUM
easat-3760	267	43	period	period	NOUN
easat-3760	267	44	.	.	PUNCT
easat-3760	268	1	2	2	X
easat-3760	268	2	)	)	PUNCT
easat-3760	268	3	pt	pt	PROPN
easat-3760	268	4	.	.	PROPN
easat-3760	268	5	bank	bank	PROPN
easat-3760	268	6	rakyat	rakyat	PROPN
easat-3760	268	7	indonesia	indonesia	PROPN
easat-3760	268	8	(	(	PUNCT
easat-3760	268	9	persero	persero	PROPN
easat-3760	268	10	)	)	PUNCT
easat-3760	268	11	,	,	PUNCT
easat-3760	268	12	tbk	tbk	PROPN
easat-3760	268	13	pt	pt	PROPN
easat-3760	268	14	.	.	PROPN
easat-3760	268	15	bank	bank	PROPN
easat-3760	268	16	rakyat	rakyat	PROPN
easat-3760	268	17	indonesia	indonesia	PROPN
easat-3760	268	18	(	(	PUNCT
easat-3760	268	19	persero	persero	PROPN
easat-3760	268	20	)	)	PUNCT
easat-3760	268	21	,	,	PUNCT
easat-3760	268	22	tbk	tbk	PROPN
easat-3760	268	23	has	have	VERB
easat-3760	268	24	a	a	DET
easat-3760	268	25	nominal	nominal	ADJ
easat-3760	268	26	atmr	atmr	NOUN
easat-3760	268	27	that	that	PRON
easat-3760	268	28	continues	continue	VERB
easat-3760	268	29	to	to	PART
easat-3760	268	30	increase	increase	VERB
easat-3760	268	31	during	during	ADP
easat-3760	268	32	the	the	DET
easat-3760	268	33	2022	2022	NUM
easat-3760	268	34	-	-	SYM
easat-3760	268	35	2023	2023	NUM
easat-3760	268	36	period	period	NOUN
easat-3760	268	37	and	and	CCONJ
easat-3760	268	38	the	the	DET
easat-3760	268	39	car	car	NOUN
easat-3760	268	40	ratio	ratio	NOUN
easat-3760	268	41	is	be	AUX
easat-3760	268	42	in	in	ADP
easat-3760	268	43	the	the	DET
easat-3760	268	44	very	very	ADV
easat-3760	268	45	healthy	healthy	ADJ
easat-3760	268	46	category	category	NOUN
easat-3760	268	47	.	.	PUNCT
easat-3760	269	1	3	3	X
easat-3760	269	2	)	)	PUNCT
easat-3760	269	3	pt	pt	PROPN
easat-3760	269	4	.	.	PROPN
easat-3760	269	5	bank	bank	PROPN
easat-3760	269	6	negara	negara	PROPN
easat-3760	269	7	indonesia	indonesia	PROPN
easat-3760	269	8	(	(	PUNCT
easat-3760	269	9	persero	persero	PROPN
easat-3760	269	10	)	)	PUNCT
easat-3760	269	11	,	,	PUNCT
easat-3760	269	12	tbk	tbk	PROPN
easat-3760	269	13	pt	pt	PROPN
easat-3760	269	14	.	.	PROPN
easat-3760	269	15	bank	bank	PROPN
easat-3760	269	16	negara	negara	PROPN
easat-3760	269	17	indonesia	indonesia	PROPN
easat-3760	269	18	(	(	PUNCT
easat-3760	269	19	persero	persero	PROPN
easat-3760	269	20	)	)	PUNCT
easat-3760	269	21	,	,	PUNCT
easat-3760	269	22	tbk	tbk	PROPN
easat-3760	269	23	has	have	VERB
easat-3760	269	24	a	a	DET
easat-3760	269	25	nominal	nominal	ADJ
easat-3760	269	26	atmr	atmr	NOUN
easat-3760	269	27	that	that	PRON
easat-3760	269	28	continues	continue	VERB
easat-3760	269	29	to	to	PART
easat-3760	269	30	increase	increase	VERB
easat-3760	269	31	during	during	ADP
easat-3760	269	32	the	the	DET
easat-3760	269	33	2022	2022	NUM
easat-3760	269	34	-	-	SYM
easat-3760	269	35	2023	2023	NUM
easat-3760	269	36	period	period	NOUN
easat-3760	269	37	,	,	PUNCT
easat-3760	269	38	while	while	SCONJ
easat-3760	269	39	the	the	DET
easat-3760	269	40	bank	bank	NOUN
easat-3760	269	41	's	's	PART
easat-3760	269	42	core	core	NOUN
easat-3760	269	43	capital	capital	NOUN
easat-3760	269	44	also	also	ADV
easat-3760	269	45	increased	increase	VERB
easat-3760	269	46	on	on	ADP
easat-3760	269	47	average	average	ADJ
easat-3760	269	48	,	,	PUNCT
easat-3760	269	49	except	except	SCONJ
easat-3760	269	50	in	in	ADP
easat-3760	269	51	2022	2022	NUM
easat-3760	269	52	which	which	PRON
easat-3760	269	53	experienced	experience	VERB
easat-3760	269	54	a	a	DET
easat-3760	269	55	decline	decline	NOUN
easat-3760	269	56	.	.	PUNCT
easat-3760	270	1	4	4	NUM
easat-3760	270	2	)	)	PUNCT
easat-3760	270	3	pt	pt	PROPN
easat-3760	270	4	.	.	PROPN
easat-3760	270	5	state	state	PROPN
easat-3760	270	6	savings	savings	PROPN
easat-3760	270	7	bank	bank	PROPN
easat-3760	270	8	(	(	PUNCT
easat-3760	270	9	persero	persero	PROPN
easat-3760	270	10	)	)	PUNCT
easat-3760	270	11	,	,	PUNCT
easat-3760	270	12	tbk	tbk	PROPN
easat-3760	270	13	pt	pt	PROPN
easat-3760	270	14	.	.	PROPN
easat-3760	270	15	bank	bank	PROPN
easat-3760	270	16	tabungan	tabungan	VERB
easat-3760	270	17	negara	negara	PROPN
easat-3760	270	18	(	(	PUNCT
easat-3760	270	19	persero	persero	PROPN
easat-3760	270	20	)	)	PUNCT
easat-3760	270	21	,	,	PUNCT
easat-3760	270	22	tbk	tbk	PROPN
easat-3760	270	23	has	have	VERB
easat-3760	270	24	an	an	DET
easat-3760	270	25	atmr	atmr	ADJ
easat-3760	270	26	nominal	nominal	ADJ
easat-3760	270	27	and	and	CCONJ
easat-3760	270	28	core	core	NOUN
easat-3760	270	29	bank	bank	NOUN
easat-3760	270	30	capital	capital	NOUN
easat-3760	270	31	that	that	PRON
easat-3760	270	32	has	have	AUX
easat-3760	270	33	increased	increase	VERB
easat-3760	270	34	on	on	ADP
easat-3760	270	35	average	average	ADJ
easat-3760	270	36	,	,	PUNCT
easat-3760	270	37	except	except	SCONJ
easat-3760	270	38	in	in	ADP
easat-3760	270	39	2022	2022	NUM
easat-3760	270	40	which	which	PRON
easat-3760	270	41	experienced	experience	VERB
easat-3760	270	42	a	a	DET
easat-3760	270	43	decline	decline	NOUN
easat-3760	270	44	.	.	PUNCT
easat-3760	271	1	8182	8182	NUM
easat-3760	271	2	edelweiss	edelweiss	PROPN
easat-3760	271	3	applied	apply	VERB
easat-3760	271	4	science	science	NOUN
easat-3760	271	5	and	and	CCONJ
easat-3760	271	6	technology	technology	NOUN
easat-3760	271	7	issn	issn	PROPN
easat-3760	271	8	:	:	PUNCT
easat-3760	271	9	2576	2576	NUM
easat-3760	271	10	-	-	SYM
easat-3760	271	11	8484	8484	NUM
easat-3760	271	12	vol	vol	NOUN
easat-3760	271	13	.	.	PROPN
easat-3760	271	14	8	8	NUM
easat-3760	271	15	,	,	PUNCT
easat-3760	271	16	no	no	INTJ
easat-3760	271	17	.	.	NOUN
easat-3760	272	1	6	6	NUM
easat-3760	272	2	:	:	SYM
easat-3760	272	3	8168	8168	NUM
easat-3760	272	4	-	-	SYM
easat-3760	272	5	8188	8188	NUM
easat-3760	272	6	,	,	PUNCT
easat-3760	272	7	2024	2024	NUM
easat-3760	272	8	doi	doi	NOUN
easat-3760	272	9	:	:	PUNCT
easat-3760	272	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	272	11	©	©	PROPN
easat-3760	272	12	2024	2024	NUM
easat-3760	272	13	by	by	ADP
easat-3760	272	14	the	the	DET
easat-3760	272	15	authors	author	NOUN
easat-3760	272	16	;	;	PUNCT
easat-3760	272	17	licensee	licensee	PROPN
easat-3760	272	18	learning	learn	VERB
easat-3760	272	19	gate	gate	NOUN
easat-3760	272	20	4.2.3	4.2.3	NUM
easat-3760	272	21	.	.	PUNCT
easat-3760	273	1	analysis	analysis	NOUN
easat-3760	273	2	of	of	ADP
easat-3760	273	3	financial	financial	ADJ
easat-3760	273	4	profitability	profitability	NOUN
easat-3760	273	5	ratio	ratio	NOUN
easat-3760	273	6	of	of	ADP
easat-3760	273	7	state	state	NOUN
easat-3760	273	8	-	-	PUNCT
easat-3760	273	9	owned	own	VERB
easat-3760	273	10	banks	bank	NOUN
easat-3760	273	11	for	for	ADP
easat-3760	273	12	the	the	DET
easat-3760	273	13	period	period	NOUN
easat-3760	273	14	2022	2022	NUM
easat-3760	273	15	-	-	SYM
easat-3760	273	16	2023	2023	NUM
easat-3760	273	17	4.2.3.1	4.2.3.1	NUM
easat-3760	273	18	.	.	PUNCT
easat-3760	273	19	return	return	NOUN
easat-3760	273	20	on	on	ADP
easat-3760	273	21	assets	asset	NOUN
easat-3760	273	22	(	(	PUNCT
easat-3760	273	23	roa	roa	NOUN
easat-3760	273	24	)	)	PUNCT
easat-3760	273	25	table	table	NOUN
easat-3760	273	26	17	17	NUM
easat-3760	273	27	.	.	PUNCT
easat-3760	274	1	return	return	VERB
easat-3760	274	2	on	on	ADP
easat-3760	274	3	assets	asset	NOUN
easat-3760	274	4	(	(	PUNCT
easat-3760	274	5	roa	roa	NOUN
easat-3760	274	6	)	)	PUNCT
easat-3760	274	7	of	of	ADP
easat-3760	274	8	bumn	bumn	NOUN
easat-3760	274	9	banks	bank	NOUN
easat-3760	274	10	for	for	ADP
easat-3760	274	11	the	the	DET
easat-3760	274	12	2022	2022	NUM
easat-3760	274	13	-	-	SYM
easat-3760	274	14	2023	2023	NUM
easat-3760	274	15	period	period	NOUN
easat-3760	274	16	.	.	PUNCT
easat-3760	275	1	(	(	PUNCT
easat-3760	275	2	expressed	express	VERB
easat-3760	275	3	in	in	ADP
easat-3760	275	4	millions	million	NOUN
easat-3760	275	5	of	of	ADP
easat-3760	275	6	rupiah	rupiah	NOUN
easat-3760	275	7	,	,	PUNCT
easat-3760	275	8	unless	unless	SCONJ
easat-3760	275	9	otherwise	otherwise	ADV
easat-3760	275	10	stated	state	VERB
easat-3760	275	11	)	)	PUNCT
easat-3760	275	12	year	year	NOUN
easat-3760	275	13	profit	profit	NOUN
easat-3760	275	14	before	before	ADP
easat-3760	275	15	tax	tax	NOUN
easat-3760	275	16	total	total	ADJ
easat-3760	275	17	assets	asset	NOUN
easat-3760	275	18	100	100	NUM
easat-3760	275	19	%	%	NOUN
easat-3760	275	20	roa	roa	PROPN
easat-3760	275	21	ojk	ojk	NOUN
easat-3760	275	22	standards	standard	NOUN
easat-3760	275	23	(	(	PUNCT
easat-3760	275	24	a	a	NOUN
easat-3760	275	25	)	)	PUNCT
easat-3760	275	26	(	(	PUNCT
easat-3760	275	27	b	b	X
easat-3760	275	28	)	)	PUNCT
easat-3760	275	29	(	(	PUNCT
easat-3760	275	30	c	c	X
easat-3760	275	31	)	)	PUNCT
easat-3760	275	32	a	a	DET
easat-3760	275	33	/	/	SYM
easat-3760	275	34	b×c	b×c	PROPN
easat-3760	275	35	pt	pt	PROPN
easat-3760	275	36	.	.	PROPN
easat-3760	275	37	bank	bank	PROPN
easat-3760	275	38	mandiri	mandiri	NOUN
easat-3760	275	39	(	(	PUNCT
easat-3760	275	40	persero	persero	NOUN
easat-3760	275	41	)	)	PUNCT
easat-3760	275	42	,	,	PUNCT
easat-3760	275	43	tbk	tbk	VERB
easat-3760	275	44	2022	2022	NUM
easat-3760	275	45	rp	rp	NOUN
easat-3760	275	46	.	.	PROPN
easat-3760	276	1	56,337,726	56,337,726	NUM
easat-3760	276	2	rp	rp	NOUN
easat-3760	276	3	.	.	PUNCT
easat-3760	276	4	1,992,544,687	1,992,544,687	NUM
easat-3760	276	5	100	100	NUM
easat-3760	276	6	%	%	NOUN
easat-3760	276	7	3	3	NUM
easat-3760	276	8	%	%	NOUN
easat-3760	276	9	very	very	ADV
easat-3760	276	10	healthy	healthy	ADJ
easat-3760	276	11	2023	2023	NUM
easat-3760	276	12	rp	rp	NOUN
easat-3760	276	13	.	.	PROPN
easat-3760	277	1	74,684,881	74,684,881	NUM
easat-3760	277	2	rp	rp	NOUN
easat-3760	277	3	.	.	PUNCT
easat-3760	277	4	2,174,219,449	2,174,219,449	NOUN
easat-3760	277	5	100	100	NUM
easat-3760	277	6	%	%	NOUN
easat-3760	277	7	3.4	3.4	NUM
easat-3760	277	8	%	%	NOUN
easat-3760	277	9	very	very	ADV
easat-3760	277	10	healthy	healthy	ADJ
easat-3760	277	11	pt	pt	PROPN
easat-3760	277	12	.	.	PROPN
easat-3760	277	13	bank	bank	PROPN
easat-3760	277	14	rakyat	rakyat	PROPN
easat-3760	277	15	indonesia	indonesia	PROPN
easat-3760	277	16	(	(	PUNCT
easat-3760	277	17	persero	persero	PROPN
easat-3760	277	18	)	)	PUNCT
easat-3760	277	19	,	,	PUNCT
easat-3760	277	20	tbk	tbk	VERB
easat-3760	277	21	2022	2022	NUM
easat-3760	277	22	rp	rp	NOUN
easat-3760	277	23	.	.	PROPN
easat-3760	278	1	64,596,701	64,596,701	NUM
easat-3760	278	2	rp	rp	NOUN
easat-3760	278	3	.	.	PUNCT
easat-3760	279	1	1,865,639,010	1,865,639,010	NUM
easat-3760	279	2	100	100	NUM
easat-3760	279	3	%	%	NOUN
easat-3760	279	4	3.5	3.5	NUM
easat-3760	279	5	%	%	NOUN
easat-3760	279	6	very	very	ADV
easat-3760	279	7	healthy	healthy	ADJ
easat-3760	279	8	2023	2023	NUM
easat-3760	279	9	rp	rp	NOUN
easat-3760	279	10	.	.	PROPN
easat-3760	280	1	76,429,712	76,429,712	NUM
easat-3760	280	2	rp	rp	NOUN
easat-3760	280	3	.	.	PUNCT
easat-3760	281	1	1,965,007,030	1,965,007,030	PROPN
easat-3760	281	2	100	100	NUM
easat-3760	281	3	%	%	NOUN
easat-3760	281	4	3.9	3.9	NUM
easat-3760	281	5	%	%	NOUN
easat-3760	281	6	very	very	ADV
easat-3760	281	7	healthy	healthy	ADJ
easat-3760	281	8	pt	pt	PROPN
easat-3760	281	9	.	.	PROPN
easat-3760	281	10	bank	bank	PROPN
easat-3760	281	11	negara	negara	PROPN
easat-3760	281	12	indonesia	indonesia	PROPN
easat-3760	281	13	(	(	PUNCT
easat-3760	281	14	persero	persero	PROPN
easat-3760	281	15	)	)	PUNCT
easat-3760	281	16	,	,	PUNCT
easat-3760	281	17	tbk	tbk	VERB
easat-3760	281	18	2022	2022	NUM
easat-3760	281	19	rp	rp	NOUN
easat-3760	281	20	.	.	PROPN
easat-3760	282	1	22,686,708	22,686,708	NUM
easat-3760	282	2	rp	rp	NOUN
easat-3760	282	3	.	.	PUNCT
easat-3760	282	4	1,029,836,868	1,029,836,868	NUM
easat-3760	282	5	100	100	NUM
easat-3760	282	6	%	%	NOUN
easat-3760	282	7	2.2	2.2	NUM
easat-3760	282	8	%	%	NOUN
easat-3760	282	9	very	very	ADV
easat-3760	282	10	healthy	healthy	ADJ
easat-3760	282	11	2023	2023	NUM
easat-3760	282	12	rp	rp	NOUN
easat-3760	282	13	.	.	PROPN
easat-3760	282	14	25,639,738	25,639,738	NUM
easat-3760	282	15	rp	rp	NOUN
easat-3760	282	16	.	.	PROPN
easat-3760	283	1	1,086,663,986	1,086,663,986	NOUN
easat-3760	283	2	100	100	NUM
easat-3760	283	3	%	%	NOUN
easat-3760	283	4	2	2	NUM
easat-3760	283	5	%	%	NOUN
easat-3760	284	1	very	very	ADV
easat-3760	284	2	healthy	healthy	ADJ
easat-3760	284	3	pt	pt	PROPN
easat-3760	284	4	.	.	PROPN
easat-3760	284	5	state	state	PROPN
easat-3760	284	6	savings	savings	PROPN
easat-3760	284	7	bank	bank	PROPN
easat-3760	284	8	(	(	PUNCT
easat-3760	284	9	persero	persero	PROPN
easat-3760	284	10	)	)	PUNCT
easat-3760	284	11	,	,	PUNCT
easat-3760	284	12	tbk	tbk	VERB
easat-3760	284	13	2022	2022	NUM
easat-3760	284	14	rp	rp	NOUN
easat-3760	284	15	.	.	PROPN
easat-3760	284	16	3,875,690	3,875,690	NUM
easat-3760	284	17	rp	rp	NOUN
easat-3760	284	18	.	.	PUNCT
easat-3760	285	1	402,148,312	402,148,312	NUM
easat-3760	285	2	100	100	NUM
easat-3760	285	3	%	%	NOUN
easat-3760	285	4	1.0	1.0	NUM
easat-3760	285	5	%	%	NOUN
easat-3760	285	6	healthy	healthy	ADJ
easat-3760	285	7	enough	enough	ADJ
easat-3760	285	8	2023	2023	NUM
easat-3760	285	9	rp	rp	NOUN
easat-3760	285	10	.	.	PROPN
easat-3760	285	11	4,380,210	4,380,210	NUM
easat-3760	285	12	rp	rp	NOUN
easat-3760	285	13	.	.	PUNCT
easat-3760	286	1	438,749,736	438,749,736	NUM
easat-3760	286	2	100	100	NUM
easat-3760	286	3	%	%	NOUN
easat-3760	286	4	1.0	1.0	NUM
easat-3760	286	5	%	%	NOUN
easat-3760	286	6	healthy	healthy	ADJ
easat-3760	286	7	enough	enough	ADJ
easat-3760	286	8	1	1	NUM
easat-3760	286	9	)	)	PUNCT
easat-3760	286	10	pt	pt	PROPN
easat-3760	286	11	.	.	PROPN
easat-3760	286	12	bank	bank	NOUN
easat-3760	286	13	mandiri	mandiri	NOUN
easat-3760	286	14	(	(	PUNCT
easat-3760	286	15	persero	persero	NOUN
easat-3760	286	16	)	)	PUNCT
easat-3760	286	17	,	,	PUNCT
easat-3760	286	18	tbk	tbk	PROPN
easat-3760	286	19	pt	pt	PROPN
easat-3760	286	20	.	.	PROPN
easat-3760	286	21	bank	bank	PROPN
easat-3760	286	22	mandiri	mandiri	NOUN
easat-3760	286	23	(	(	PUNCT
easat-3760	286	24	persero	persero	NOUN
easat-3760	286	25	)	)	PUNCT
easat-3760	286	26	,	,	PUNCT
easat-3760	286	27	tbk	tbk	PROPN
easat-3760	286	28	experienced	experience	VERB
easat-3760	286	29	an	an	DET
easat-3760	286	30	increase	increase	NOUN
easat-3760	286	31	in	in	ADP
easat-3760	286	32	roa	roa	PROPN
easat-3760	286	33	percentage	percentage	NOUN
easat-3760	286	34	in	in	ADP
easat-3760	286	35	2023	2023	NUM
easat-3760	286	36	.	.	PUNCT
easat-3760	287	1	this	this	DET
easat-3760	287	2	increase	increase	NOUN
easat-3760	287	3	was	be	AUX
easat-3760	287	4	influenced	influence	VERB
easat-3760	287	5	by	by	ADP
easat-3760	287	6	the	the	DET
easat-3760	287	7	increase	increase	NOUN
easat-3760	287	8	in	in	ADP
easat-3760	287	9	the	the	DET
easat-3760	287	10	nominal	nominal	ADJ
easat-3760	287	11	profit	profit	NOUN
easat-3760	287	12	before	before	ADP
easat-3760	287	13	tax	tax	NOUN
easat-3760	287	14	received	receive	VERB
easat-3760	287	15	.	.	PUNCT
easat-3760	288	1	2	2	X
easat-3760	288	2	)	)	PUNCT
easat-3760	288	3	pt	pt	PROPN
easat-3760	288	4	.	.	PROPN
easat-3760	288	5	bank	bank	PROPN
easat-3760	288	6	rakyat	rakyat	PROPN
easat-3760	288	7	indonesia	indonesia	PROPN
easat-3760	288	8	(	(	PUNCT
easat-3760	288	9	persero	persero	PROPN
easat-3760	288	10	)	)	PUNCT
easat-3760	288	11	,	,	PUNCT
easat-3760	288	12	tbk	tbk	PROPN
easat-3760	288	13	pt	pt	PROPN
easat-3760	288	14	.	.	PROPN
easat-3760	288	15	bank	bank	PROPN
easat-3760	288	16	rakyat	rakyat	PROPN
easat-3760	288	17	indonesia	indonesia	PROPN
easat-3760	288	18	(	(	PUNCT
easat-3760	288	19	persero	persero	PROPN
easat-3760	288	20	)	)	PUNCT
easat-3760	288	21	,	,	PUNCT
easat-3760	288	22	tbk	tbk	PROPN
easat-3760	288	23	experienced	experience	VERB
easat-3760	288	24	an	an	DET
easat-3760	288	25	increase	increase	NOUN
easat-3760	288	26	in	in	ADP
easat-3760	288	27	roa	roa	PROPN
easat-3760	288	28	percentage	percentage	NOUN
easat-3760	288	29	in	in	ADP
easat-3760	288	30	2023	2023	NUM
easat-3760	288	31	compared	compare	VERB
easat-3760	288	32	to	to	ADP
easat-3760	288	33	2022	2022	NUM
easat-3760	288	34	and	and	CCONJ
easat-3760	288	35	remained	remain	VERB
easat-3760	288	36	in	in	ADP
easat-3760	288	37	the	the	DET
easat-3760	288	38	very	very	ADV
easat-3760	288	39	healthy	healthy	ADJ
easat-3760	288	40	category	category	NOUN
easat-3760	288	41	.	.	PUNCT
easat-3760	289	1	3	3	X
easat-3760	289	2	)	)	PUNCT
easat-3760	289	3	pt	pt	PROPN
easat-3760	289	4	.	.	PROPN
easat-3760	289	5	bank	bank	PROPN
easat-3760	289	6	negara	negara	PROPN
easat-3760	289	7	indonesia	indonesia	PROPN
easat-3760	289	8	(	(	PUNCT
easat-3760	289	9	persero	persero	PROPN
easat-3760	289	10	)	)	PUNCT
easat-3760	289	11	,	,	PUNCT
easat-3760	289	12	tbk	tbk	PROPN
easat-3760	289	13	pt	pt	PROPN
easat-3760	289	14	.	.	PROPN
easat-3760	289	15	bank	bank	PROPN
easat-3760	289	16	negara	negara	PROPN
easat-3760	289	17	indonesia	indonesia	PROPN
easat-3760	289	18	(	(	PUNCT
easat-3760	289	19	persero	persero	PROPN
easat-3760	289	20	)	)	PUNCT
easat-3760	289	21	,	,	PUNCT
easat-3760	289	22	tbk	tbk	PROPN
easat-3760	289	23	experienced	experience	VERB
easat-3760	289	24	a	a	DET
easat-3760	289	25	roa	roa	NOUN
easat-3760	289	26	percentage	percentage	NOUN
easat-3760	289	27	in	in	ADP
easat-3760	289	28	2023	2023	NUM
easat-3760	289	29	compared	compare	VERB
easat-3760	289	30	to	to	ADP
easat-3760	289	31	2022	2022	NUM
easat-3760	289	32	,	,	PUNCT
easat-3760	289	33	where	where	SCONJ
easat-3760	289	34	the	the	DET
easat-3760	289	35	ratio	ratio	NOUN
easat-3760	289	36	remained	remain	VERB
easat-3760	289	37	and	and	CCONJ
easat-3760	289	38	was	be	AUX
easat-3760	289	39	in	in	ADP
easat-3760	289	40	the	the	DET
easat-3760	289	41	very	very	ADV
easat-3760	289	42	healthy	healthy	ADJ
easat-3760	289	43	category	category	NOUN
easat-3760	289	44	.	.	PUNCT
easat-3760	290	1	4	4	NUM
easat-3760	290	2	)	)	PUNCT
easat-3760	290	3	pt	pt	PROPN
easat-3760	290	4	.	.	PROPN
easat-3760	290	5	state	state	PROPN
easat-3760	290	6	savings	savings	PROPN
easat-3760	290	7	bank	bank	PROPN
easat-3760	290	8	(	(	PUNCT
easat-3760	290	9	persero	persero	PROPN
easat-3760	290	10	)	)	PUNCT
easat-3760	290	11	,	,	PUNCT
easat-3760	290	12	tbk	tbk	PROPN
easat-3760	290	13	pt	pt	PROPN
easat-3760	290	14	.	.	PROPN
easat-3760	290	15	bank	bank	PROPN
easat-3760	290	16	tabungan	tabungan	VERB
easat-3760	290	17	negara	negara	PROPN
easat-3760	290	18	(	(	PUNCT
easat-3760	290	19	persero	persero	PROPN
easat-3760	290	20	)	)	PUNCT
easat-3760	290	21	,	,	PUNCT
easat-3760	290	22	tbk	tbk	PROPN
easat-3760	290	23	experienced	experience	VERB
easat-3760	290	24	a	a	DET
easat-3760	290	25	fairly	fairly	ADV
easat-3760	290	26	healthy	healthy	ADJ
easat-3760	290	27	roa	roa	NOUN
easat-3760	290	28	ratio	ratio	NOUN
easat-3760	290	29	percentage	percentage	NOUN
easat-3760	290	30	in	in	ADP
easat-3760	290	31	2022	2022	NUM
easat-3760	290	32	and	and	CCONJ
easat-3760	290	33	2023	2023	NUM
easat-3760	290	34	.	.	PUNCT
easat-3760	291	1	8183	8183	NUM
easat-3760	291	2	edelweiss	edelweiss	PROPN
easat-3760	291	3	applied	apply	VERB
easat-3760	291	4	science	science	NOUN
easat-3760	291	5	and	and	CCONJ
easat-3760	291	6	technology	technology	NOUN
easat-3760	291	7	issn	issn	PROPN
easat-3760	291	8	:	:	PUNCT
easat-3760	291	9	2576	2576	NUM
easat-3760	291	10	-	-	SYM
easat-3760	291	11	8484	8484	NUM
easat-3760	291	12	vol	vol	NOUN
easat-3760	291	13	.	.	PROPN
easat-3760	291	14	8	8	NUM
easat-3760	291	15	,	,	PUNCT
easat-3760	291	16	no	no	INTJ
easat-3760	291	17	.	.	NOUN
easat-3760	292	1	6	6	NUM
easat-3760	292	2	:	:	SYM
easat-3760	292	3	8168	8168	NUM
easat-3760	292	4	-	-	SYM
easat-3760	292	5	8188	8188	NUM
easat-3760	292	6	,	,	PUNCT
easat-3760	292	7	2024	2024	NUM
easat-3760	292	8	doi	doi	NOUN
easat-3760	292	9	:	:	PUNCT
easat-3760	292	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	292	11	©	©	PROPN
easat-3760	292	12	2024	2024	NUM
easat-3760	292	13	by	by	ADP
easat-3760	292	14	the	the	DET
easat-3760	292	15	authors	author	NOUN
easat-3760	292	16	;	;	PUNCT
easat-3760	292	17	licensee	licensee	NOUN
easat-3760	292	18	learning	learn	VERB
easat-3760	292	19	gate	gate	NOUN
easat-3760	292	20	4.2.3.2	4.2.3.2	PROPN
easat-3760	292	21	.	.	PUNCT
easat-3760	293	1	return	return	NOUN
easat-3760	293	2	on	on	ADP
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easat-3760	293	4	(	(	PUNCT
easat-3760	293	5	roe	roe	NOUN
easat-3760	293	6	)	)	PUNCT
easat-3760	293	7	table	table	NOUN
easat-3760	293	8	18	18	NUM
easat-3760	293	9	.	.	PUNCT
easat-3760	294	1	return	return	VERB
easat-3760	294	2	on	on	ADP
easat-3760	294	3	equity	equity	NOUN
easat-3760	294	4	(	(	PUNCT
easat-3760	294	5	roe	roe	PROPN
easat-3760	294	6	)	)	PUNCT
easat-3760	294	7	of	of	ADP
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easat-3760	294	9	banks	bank	NOUN
easat-3760	294	10	for	for	ADP
easat-3760	294	11	the	the	DET
easat-3760	294	12	2022	2022	NUM
easat-3760	294	13	-	-	SYM
easat-3760	294	14	2023	2023	NUM
easat-3760	294	15	period	period	NOUN
easat-3760	294	16	.	.	PUNCT
easat-3760	295	1	(	(	PUNCT
easat-3760	295	2	expressed	express	VERB
easat-3760	295	3	in	in	ADP
easat-3760	295	4	millions	million	NOUN
easat-3760	295	5	of	of	ADP
easat-3760	295	6	rupiah	rupiah	NOUN
easat-3760	295	7	,	,	PUNCT
easat-3760	295	8	unless	unless	SCONJ
easat-3760	295	9	otherwise	otherwise	ADV
easat-3760	295	10	stated	state	VERB
easat-3760	295	11	)	)	PUNCT
easat-3760	295	12	year	year	NOUN
easat-3760	295	13	net	net	ADJ
easat-3760	295	14	profit	profit	NOUN
easat-3760	295	15	core	core	NOUN
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easat-3760	295	17	100	100	NUM
easat-3760	295	18	%	%	NOUN
easat-3760	295	19	roe	roe	NOUN
easat-3760	295	20	ojk	ojk	NOUN
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easat-3760	295	22	(	(	PUNCT
easat-3760	295	23	a	a	NOUN
easat-3760	295	24	)	)	PUNCT
easat-3760	295	25	(	(	PUNCT
easat-3760	295	26	b	b	X
easat-3760	295	27	)	)	PUNCT
easat-3760	295	28	(	(	PUNCT
easat-3760	295	29	c	c	X
easat-3760	295	30	)	)	PUNCT
easat-3760	295	31	a	a	DET
easat-3760	295	32	/	/	SYM
easat-3760	295	33	b×c	b×c	PROPN
easat-3760	295	34	pt	pt	PROPN
easat-3760	295	35	.	.	PROPN
easat-3760	295	36	bank	bank	PROPN
easat-3760	295	37	mandiri	mandiri	NOUN
easat-3760	295	38	(	(	PUNCT
easat-3760	295	39	persero	persero	NOUN
easat-3760	295	40	)	)	PUNCT
easat-3760	295	41	,	,	PUNCT
easat-3760	295	42	tbk	tbk	VERB
easat-3760	295	43	2022	2022	NUM
easat-3760	295	44	rp	rp	NOUN
easat-3760	295	45	.	.	PROPN
easat-3760	296	1	44,952,368	44,952,368	NUM
easat-3760	297	1	rp	rp	NOUN
easat-3760	297	2	.	.	PROPN
easat-3760	298	1	223,271,290	223,271,290	NUM
easat-3760	298	2	100	100	NUM
easat-3760	298	3	%	%	NOUN
easat-3760	298	4	20.1	20.1	NUM
easat-3760	298	5	%	%	NOUN
easat-3760	298	6	very	very	ADV
easat-3760	298	7	healthy	healthy	ADJ
easat-3760	298	8	2023	2023	NUM
easat-3760	298	9	rp	rp	NOUN
easat-3760	298	10	.	.	PROPN
easat-3760	298	11	60,051,870	60,051,870	NUM
easat-3760	298	12	rp	rp	NOUN
easat-3760	298	13	.	.	PUNCT
easat-3760	299	1	258,956,049	258,956,049	NUM
easat-3760	299	2	100	100	NUM
easat-3760	299	3	%	%	NOUN
easat-3760	299	4	23.2	23.2	NUM
easat-3760	299	5	%	%	NOUN
easat-3760	299	6	very	very	ADV
easat-3760	299	7	healthy	healthy	ADJ
easat-3760	299	8	pt	pt	PROPN
easat-3760	299	9	.	.	PROPN
easat-3760	299	10	bank	bank	PROPN
easat-3760	299	11	rakyat	rakyat	PROPN
easat-3760	299	12	indonesia	indonesia	PROPN
easat-3760	299	13	(	(	PUNCT
easat-3760	299	14	persero	persero	PROPN
easat-3760	299	15	)	)	PUNCT
easat-3760	299	16	,	,	PUNCT
easat-3760	299	17	tbk	tbk	VERB
easat-3760	299	18	2022	2022	NUM
easat-3760	299	19	rp	rp	NOUN
easat-3760	299	20	.	.	PROPN
easat-3760	300	1	51,408,207	51,408,207	NUM
easat-3760	300	2	rp	rp	NOUN
easat-3760	300	3	.	.	PROPN
easat-3760	301	1	273,812,348	273,812,348	NUM
easat-3760	301	2	100	100	NUM
easat-3760	301	3	%	%	NOUN
easat-3760	301	4	18.8	18.8	NUM
easat-3760	301	5	%	%	NOUN
easat-3760	301	6	healthy	healthy	ADJ
easat-3760	301	7	2023	2023	NUM
easat-3760	301	8	rp	rp	NOUN
easat-3760	301	9	.	.	PROPN
easat-3760	301	10	60,425,048	60,425,048	NUM
easat-3760	301	11	rp	rp	NOUN
easat-3760	301	12	.	.	PUNCT
easat-3760	302	1	283,949,415	283,949,415	NUM
easat-3760	302	2	100	100	NUM
easat-3760	302	3	%	%	NOUN
easat-3760	302	4	21.3	21.3	NUM
easat-3760	302	5	%	%	NOUN
easat-3760	302	6	very	very	ADV
easat-3760	302	7	healthy	healthy	ADJ
easat-3760	302	8	pt	pt	PROPN
easat-3760	302	9	.	.	PROPN
easat-3760	302	10	bank	bank	PROPN
easat-3760	302	11	negara	negara	PROPN
easat-3760	302	12	indonesia	indonesia	PROPN
easat-3760	302	13	(	(	PUNCT
easat-3760	302	14	persero	persero	PROPN
easat-3760	302	15	)	)	PUNCT
easat-3760	302	16	,	,	PUNCT
easat-3760	302	17	tbk	tbk	VERB
easat-3760	302	18	2022	2022	NUM
easat-3760	302	19	rp	rp	NOUN
easat-3760	302	20	.	.	PROPN
easat-3760	302	21	18,481,780	18,481,780	NUM
easat-3760	302	22	rp	rp	NOUN
easat-3760	302	23	.	.	PROPN
easat-3760	303	1	133,435,934	133,435,934	NUM
easat-3760	303	2	100	100	NUM
easat-3760	303	3	%	%	NOUN
easat-3760	303	4	14	14	NUM
easat-3760	303	5	%	%	NOUN
easat-3760	303	6	healthy	healthy	ADJ
easat-3760	303	7	2023	2023	NUM
easat-3760	303	8	rp	rp	NOUN
easat-3760	303	9	.	.	PUNCT
easat-3760	304	1	21,106,228	21,106,228	NUM
easat-3760	304	2	rp	rp	NOUN
easat-3760	304	3	.	.	PUNCT
easat-3760	305	1	147,488,111	147,488,111	NUM
easat-3760	305	2	100	100	NUM
easat-3760	305	3	%	%	NOUN
easat-3760	305	4	14	14	NUM
easat-3760	305	5	%	%	NOUN
easat-3760	305	6	healthy	healthy	ADJ
easat-3760	305	7	pt	pt	PROPN
easat-3760	305	8	.	.	PROPN
easat-3760	305	9	state	state	PROPN
easat-3760	305	10	savings	savings	PROPN
easat-3760	305	11	bank	bank	PROPN
easat-3760	305	12	(	(	PUNCT
easat-3760	305	13	persero	persero	PROPN
easat-3760	305	14	)	)	PUNCT
easat-3760	305	15	,	,	PUNCT
easat-3760	305	16	tbk	tbk	VERB
easat-3760	305	17	2022	2022	NUM
easat-3760	305	18	rp	rp	NOUN
easat-3760	305	19	.	.	PROPN
easat-3760	306	1	3,045,073	3,045,073	NUM
easat-3760	306	2	rp	rp	NOUN
easat-3760	306	3	.	.	PROPN
easat-3760	307	1	22,533,407	22,533,407	NUM
easat-3760	307	2	100	100	NUM
easat-3760	307	3	%	%	NOUN
easat-3760	307	4	13.5	13.5	NUM
easat-3760	307	5	%	%	NOUN
easat-3760	307	6	healthy	healthy	ADJ
easat-3760	307	7	2023	2023	NUM
easat-3760	307	8	rp	rp	NOUN
easat-3760	307	9	.	.	PROPN
easat-3760	308	1	3,500,988	3,500,988	NUM
easat-3760	308	2	rp	rp	NOUN
easat-3760	308	3	.	.	PROPN
easat-3760	308	4	27,154,078	27,154,078	NUM
easat-3760	308	5	100	100	NUM
easat-3760	308	6	%	%	NOUN
easat-3760	308	7	12.9	12.9	NUM
easat-3760	308	8	%	%	NOUN
easat-3760	308	9	healthy	healthy	ADJ
easat-3760	308	10	1	1	NUM
easat-3760	308	11	)	)	PUNCT
easat-3760	308	12	pt	pt	PROPN
easat-3760	308	13	.	.	PROPN
easat-3760	308	14	bank	bank	NOUN
easat-3760	308	15	mandiri	mandiri	NOUN
easat-3760	308	16	(	(	PUNCT
easat-3760	308	17	persero	persero	NOUN
easat-3760	308	18	)	)	PUNCT
easat-3760	308	19	,	,	PUNCT
easat-3760	308	20	tbk	tbk	PROPN
easat-3760	308	21	pt	pt	PROPN
easat-3760	308	22	.	.	PROPN
easat-3760	308	23	bank	bank	PROPN
easat-3760	308	24	mandiri	mandiri	NOUN
easat-3760	308	25	(	(	PUNCT
easat-3760	308	26	persero	persero	NOUN
easat-3760	308	27	)	)	PUNCT
easat-3760	308	28	,	,	PUNCT
easat-3760	308	29	tbk	tbk	PROPN
easat-3760	308	30	experienced	experience	VERB
easat-3760	308	31	an	an	DET
easat-3760	308	32	increase	increase	NOUN
easat-3760	308	33	in	in	ADP
easat-3760	308	34	roe	roe	NOUN
easat-3760	308	35	percentage	percentage	NOUN
easat-3760	308	36	in	in	ADP
easat-3760	308	37	2023	2023	NUM
easat-3760	308	38	compared	compare	VERB
easat-3760	308	39	to	to	ADP
easat-3760	308	40	2022	2022	NUM
easat-3760	308	41	and	and	CCONJ
easat-3760	308	42	is	be	AUX
easat-3760	308	43	in	in	ADP
easat-3760	308	44	the	the	DET
easat-3760	308	45	very	very	ADV
easat-3760	308	46	healthy	healthy	ADJ
easat-3760	308	47	category	category	NOUN
easat-3760	308	48	.	.	PUNCT
easat-3760	309	1	2	2	X
easat-3760	309	2	)	)	PUNCT
easat-3760	309	3	pt	pt	PROPN
easat-3760	309	4	.	.	PROPN
easat-3760	309	5	bank	bank	PROPN
easat-3760	309	6	rakyat	rakyat	PROPN
easat-3760	309	7	indonesia	indonesia	PROPN
easat-3760	309	8	(	(	PUNCT
easat-3760	309	9	persero	persero	PROPN
easat-3760	309	10	)	)	PUNCT
easat-3760	309	11	,	,	PUNCT
easat-3760	309	12	tbk	tbk	PROPN
easat-3760	309	13	pt	pt	PROPN
easat-3760	309	14	.	.	PROPN
easat-3760	309	15	bank	bank	PROPN
easat-3760	309	16	rakyat	rakyat	PROPN
easat-3760	309	17	indonesia	indonesia	PROPN
easat-3760	309	18	(	(	PUNCT
easat-3760	309	19	persero	persero	PROPN
easat-3760	309	20	)	)	PUNCT
easat-3760	309	21	,	,	PUNCT
easat-3760	309	22	tbk	tbk	PROPN
easat-3760	309	23	experienced	experience	VERB
easat-3760	309	24	an	an	DET
easat-3760	309	25	increase	increase	NOUN
easat-3760	309	26	in	in	ADP
easat-3760	309	27	roe	roe	NOUN
easat-3760	309	28	percentage	percentage	NOUN
easat-3760	309	29	in	in	ADP
easat-3760	309	30	2023	2023	NUM
easat-3760	309	31	to	to	ADP
easat-3760	309	32	a	a	DET
easat-3760	309	33	very	very	ADV
easat-3760	309	34	healthy	healthy	ADJ
easat-3760	309	35	category	category	NOUN
easat-3760	309	36	compared	compare	VERB
easat-3760	309	37	to	to	ADP
easat-3760	309	38	2022	2022	NUM
easat-3760	309	39	which	which	PRON
easat-3760	309	40	was	be	AUX
easat-3760	309	41	in	in	ADP
easat-3760	309	42	the	the	DET
easat-3760	309	43	healthy	healthy	ADJ
easat-3760	309	44	category	category	NOUN
easat-3760	309	45	.	.	PUNCT
easat-3760	310	1	3	3	X
easat-3760	310	2	)	)	PUNCT
easat-3760	310	3	pt	pt	PROPN
easat-3760	310	4	.	.	PROPN
easat-3760	310	5	bank	bank	PROPN
easat-3760	310	6	negara	negara	PROPN
easat-3760	310	7	indonesia	indonesia	PROPN
easat-3760	310	8	(	(	PUNCT
easat-3760	310	9	persero	persero	PROPN
easat-3760	310	10	)	)	PUNCT
easat-3760	310	11	,	,	PUNCT
easat-3760	310	12	tbk	tbk	PROPN
easat-3760	310	13	pt	pt	PROPN
easat-3760	310	14	.	.	PROPN
easat-3760	310	15	bank	bank	PROPN
easat-3760	310	16	negara	negara	PROPN
easat-3760	310	17	indonesia	indonesia	PROPN
easat-3760	310	18	(	(	PUNCT
easat-3760	310	19	persero	persero	PROPN
easat-3760	310	20	)	)	PUNCT
easat-3760	310	21	,	,	PUNCT
easat-3760	310	22	tbk	tbk	PROPN
easat-3760	310	23	roe	roe	PROPN
easat-3760	310	24	percentage	percentage	NOUN
easat-3760	310	25	in	in	ADP
easat-3760	310	26	2022	2022	NUM
easat-3760	310	27	and	and	CCONJ
easat-3760	310	28	2023	2023	NUM
easat-3760	310	29	is	be	AUX
easat-3760	310	30	the	the	DET
easat-3760	310	31	same	same	ADJ
easat-3760	310	32	,	,	PUNCT
easat-3760	310	33	in	in	ADP
easat-3760	310	34	the	the	DET
easat-3760	310	35	healthy	healthy	ADJ
easat-3760	310	36	category	category	NOUN
easat-3760	310	37	.	.	PUNCT
easat-3760	311	1	4	4	NUM
easat-3760	311	2	)	)	PUNCT
easat-3760	311	3	pt	pt	PROPN
easat-3760	311	4	.	.	PROPN
easat-3760	311	5	state	state	PROPN
easat-3760	311	6	savings	savings	PROPN
easat-3760	311	7	bank	bank	PROPN
easat-3760	311	8	(	(	PUNCT
easat-3760	311	9	persero	persero	PROPN
easat-3760	311	10	)	)	PUNCT
easat-3760	311	11	,	,	PUNCT
easat-3760	311	12	tbk	tbk	PROPN
easat-3760	311	13	pt	pt	PROPN
easat-3760	311	14	.	.	PROPN
easat-3760	311	15	bank	bank	PROPN
easat-3760	311	16	tabungan	tabungan	VERB
easat-3760	311	17	negara	negara	PROPN
easat-3760	311	18	(	(	PUNCT
easat-3760	311	19	persero	persero	PROPN
easat-3760	311	20	)	)	PUNCT
easat-3760	311	21	,	,	PUNCT
easat-3760	311	22	tbk	tbk	PROPN
easat-3760	311	23	experienced	experience	VERB
easat-3760	311	24	a	a	DET
easat-3760	311	25	decrease	decrease	NOUN
easat-3760	311	26	in	in	ADP
easat-3760	311	27	the	the	DET
easat-3760	311	28	percentage	percentage	NOUN
easat-3760	311	29	of	of	ADP
easat-3760	311	30	btn	btn	NOUN
easat-3760	311	31	roe	roe	NOUN
easat-3760	311	32	in	in	ADP
easat-3760	311	33	2023	2023	NUM
easat-3760	311	34	compared	compare	VERB
easat-3760	311	35	to	to	ADP
easat-3760	311	36	2022	2022	NUM
easat-3760	311	37	.	.	PUNCT
easat-3760	312	1	8184	8184	NUM
easat-3760	312	2	edelweiss	edelweiss	PROPN
easat-3760	312	3	applied	apply	VERB
easat-3760	312	4	science	science	NOUN
easat-3760	312	5	and	and	CCONJ
easat-3760	312	6	technology	technology	NOUN
easat-3760	312	7	issn	issn	PROPN
easat-3760	312	8	:	:	PUNCT
easat-3760	312	9	2576	2576	NUM
easat-3760	312	10	-	-	SYM
easat-3760	312	11	8484	8484	NUM
easat-3760	312	12	vol	vol	NOUN
easat-3760	312	13	.	.	PROPN
easat-3760	312	14	8	8	NUM
easat-3760	312	15	,	,	PUNCT
easat-3760	312	16	no	no	INTJ
easat-3760	312	17	.	.	NOUN
easat-3760	313	1	6	6	NUM
easat-3760	313	2	:	:	SYM
easat-3760	313	3	8168	8168	NUM
easat-3760	313	4	-	-	SYM
easat-3760	313	5	8188	8188	NUM
easat-3760	313	6	,	,	PUNCT
easat-3760	313	7	2024	2024	NUM
easat-3760	313	8	doi	doi	NOUN
easat-3760	313	9	:	:	PUNCT
easat-3760	313	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	313	11	©	©	PROPN
easat-3760	313	12	2024	2024	NUM
easat-3760	313	13	by	by	ADP
easat-3760	313	14	the	the	DET
easat-3760	313	15	authors	author	NOUN
easat-3760	313	16	;	;	PUNCT
easat-3760	314	1	licensee	licensee	PROPN
easat-3760	314	2	learning	learn	VERB
easat-3760	314	3	gate	gate	NOUN
easat-3760	314	4	4.2.3.3	4.2.3.3	PROPN
easat-3760	314	5	.	.	PUNCT
easat-3760	314	6	bopo	bopo	PROPN
easat-3760	314	7	table	table	NOUN
easat-3760	314	8	19	19	NUM
easat-3760	314	9	.	.	PUNCT
easat-3760	314	10	bopo	bopo	PROPN
easat-3760	314	11	bumn	bumn	PROPN
easat-3760	314	12	bank	bank	PROPN
easat-3760	314	13	period	period	NOUN
easat-3760	314	14	2022	2022	NUM
easat-3760	314	15	-	-	SYM
easat-3760	314	16	2023	2023	NUM
easat-3760	314	17	.	.	PUNCT
easat-3760	315	1	(	(	PUNCT
easat-3760	315	2	expressed	express	VERB
easat-3760	315	3	in	in	ADP
easat-3760	315	4	millions	million	NOUN
easat-3760	315	5	of	of	ADP
easat-3760	315	6	rupiah	rupiah	NOUN
easat-3760	315	7	,	,	PUNCT
easat-3760	315	8	unless	unless	SCONJ
easat-3760	315	9	otherwise	otherwise	ADV
easat-3760	315	10	stated	state	VERB
easat-3760	315	11	)	)	PUNCT
easat-3760	315	12	year	year	NOUN
easat-3760	315	13	operational	operational	ADJ
easat-3760	315	14	expenses	expense	NOUN
easat-3760	315	15	operating	operate	VERB
easat-3760	315	16	income	income	NOUN
easat-3760	315	17	100	100	NUM
easat-3760	315	18	%	%	NOUN
easat-3760	315	19	bopo	bopo	NOUN
easat-3760	315	20	ojk	ojk	NOUN
easat-3760	315	21	standards	standard	NOUN
easat-3760	315	22	(	(	PUNCT
easat-3760	315	23	a	a	NOUN
easat-3760	315	24	)	)	PUNCT
easat-3760	315	25	(	(	PUNCT
easat-3760	315	26	b	b	X
easat-3760	315	27	)	)	PUNCT
easat-3760	315	28	(	(	PUNCT
easat-3760	315	29	c	c	X
easat-3760	315	30	)	)	PUNCT
easat-3760	315	31	a	a	DET
easat-3760	315	32	/	/	SYM
easat-3760	315	33	b×c	b×c	PROPN
easat-3760	315	34	pt	pt	PROPN
easat-3760	315	35	.	.	PROPN
easat-3760	315	36	bank	bank	PROPN
easat-3760	315	37	mandiri	mandiri	NOUN
easat-3760	315	38	(	(	PUNCT
easat-3760	315	39	persero	persero	NOUN
easat-3760	315	40	)	)	PUNCT
easat-3760	315	41	,	,	PUNCT
easat-3760	315	42	tbk	tbk	VERB
easat-3760	315	43	2022	2022	NUM
easat-3760	315	44	rp	rp	NOUN
easat-3760	315	45	.	.	PROPN
easat-3760	316	1	106,029,852	106,029,852	NUM
easat-3760	316	2	rp	rp	NOUN
easat-3760	316	3	.	.	PROPN
easat-3760	317	1	162,197,941	162,197,941	NUM
easat-3760	317	2	100	100	NUM
easat-3760	317	3	%	%	NOUN
easat-3760	317	4	65.4	65.4	NUM
easat-3760	317	5	%	%	NOUN
easat-3760	317	6	very	very	ADV
easat-3760	317	7	healthy	healthy	ADJ
easat-3760	317	8	2023	2023	NUM
easat-3760	317	9	rp	rp	NOUN
easat-3760	317	10	.	.	PROPN
easat-3760	317	11	113,276,885	113,276,885	NUM
easat-3760	317	12	rp	rp	NOUN
easat-3760	317	13	.	.	PUNCT
easat-3760	318	1	187,918,448	187,918,448	NUM
easat-3760	318	2	100	100	NUM
easat-3760	318	3	%	%	NOUN
easat-3760	318	4	60.3	60.3	NUM
easat-3760	318	5	%	%	NOUN
easat-3760	318	6	very	very	ADV
easat-3760	318	7	healthy	healthy	ADJ
easat-3760	318	8	pt	pt	PROPN
easat-3760	318	9	.	.	PROPN
easat-3760	318	10	bank	bank	PROPN
easat-3760	318	11	rakyat	rakyat	PROPN
easat-3760	318	12	indonesia	indonesia	PROPN
easat-3760	318	13	(	(	PUNCT
easat-3760	318	14	persero	persero	PROPN
easat-3760	318	15	)	)	PUNCT
easat-3760	318	16	,	,	PUNCT
easat-3760	318	17	tbk	tbk	VERB
easat-3760	318	18	2022	2022	NUM
easat-3760	318	19	rp	rp	NOUN
easat-3760	318	20	.	.	PROPN
easat-3760	319	1	144,351,719	144,351,719	NUM
easat-3760	319	2	rp	rp	NOUN
easat-3760	319	3	.	.	PROPN
easat-3760	320	1	208,657,756	208,657,756	NUM
easat-3760	320	2	100	100	NUM
easat-3760	320	3	%	%	NOUN
easat-3760	320	4	69.2	69.2	NUM
easat-3760	320	5	%	%	NOUN
easat-3760	320	6	very	very	ADV
easat-3760	320	7	healthy	healthy	ADJ
easat-3760	320	8	2023	2023	NUM
easat-3760	320	9	rp	rp	NOUN
easat-3760	320	10	.	.	PUNCT
easat-3760	321	1	165,196,777	165,196,777	NUM
easat-3760	321	2	rp	rp	NOUN
easat-3760	321	3	.	.	PROPN
easat-3760	322	1	242,025,514	242,025,514	NUM
easat-3760	322	2	100	100	NUM
easat-3760	322	3	%	%	NOUN
easat-3760	322	4	68.3	68.3	NUM
easat-3760	322	5	%	%	NOUN
easat-3760	322	6	very	very	ADV
easat-3760	322	7	healthy	healthy	ADJ
easat-3760	322	8	pt	pt	PROPN
easat-3760	322	9	.	.	PROPN
easat-3760	322	10	bank	bank	PROPN
easat-3760	322	11	negara	negara	PROPN
easat-3760	322	12	indonesia	indonesia	PROPN
easat-3760	322	13	(	(	PUNCT
easat-3760	322	14	persero	persero	PROPN
easat-3760	322	15	)	)	PUNCT
easat-3760	322	16	,	,	PUNCT
easat-3760	322	17	tbk	tbk	VERB
easat-3760	322	18	2022	2022	NUM
easat-3760	322	19	rp	rp	NOUN
easat-3760	322	20	.	.	PROPN
easat-3760	323	1	56,581,158	56,581,158	NUM
easat-3760	323	2	rp	rp	NOUN
easat-3760	323	3	.	.	PROPN
easat-3760	324	1	79,480,013	79,480,013	NUM
easat-3760	324	2	100	100	NUM
easat-3760	324	3	%	%	NOUN
easat-3760	324	4	71	71	NUM
easat-3760	324	5	%	%	NOUN
easat-3760	324	6	very	very	ADV
easat-3760	324	7	healthy	healthy	ADJ
easat-3760	324	8	2023	2023	NUM
easat-3760	324	9	rp	rp	NOUN
easat-3760	324	10	.	.	PROPN
easat-3760	324	11	62,363,863	62,363,863	NUM
easat-3760	324	12	rp	rp	NOUN
easat-3760	324	13	.	.	PROPN
easat-3760	324	14	88,137,199	88,137,199	NUM
easat-3760	324	15	100	100	NUM
easat-3760	324	16	%	%	NOUN
easat-3760	324	17	70.8	70.8	NUM
easat-3760	324	18	%	%	NOUN
easat-3760	324	19	very	very	ADV
easat-3760	324	20	healthy	healthy	ADJ
easat-3760	324	21	pt	pt	PROPN
easat-3760	324	22	.	.	PROPN
easat-3760	324	23	state	state	PROPN
easat-3760	324	24	savings	savings	PROPN
easat-3760	324	25	bank	bank	PROPN
easat-3760	324	26	(	(	PUNCT
easat-3760	324	27	persero	persero	PROPN
easat-3760	324	28	)	)	PUNCT
easat-3760	324	29	,	,	PUNCT
easat-3760	324	30	tbk	tbk	VERB
easat-3760	324	31	2022	2022	NUM
easat-3760	324	32	rp	rp	NOUN
easat-3760	324	33	.	.	PROPN
easat-3760	325	1	24,367,417	24,367,417	NUM
easat-3760	325	2	rp	rp	NOUN
easat-3760	325	3	.	.	NOUN
easat-3760	325	4	28,182,220	28,182,220	NUM
easat-3760	325	5	100	100	NUM
easat-3760	325	6	%	%	NOUN
easat-3760	325	7	86.5	86.5	NUM
easat-3760	325	8	%	%	NOUN
easat-3760	325	9	very	very	ADV
easat-3760	325	10	healthy	healthy	ADJ
easat-3760	325	11	2023	2023	NUM
easat-3760	325	12	rp	rp	NOUN
easat-3760	325	13	.	.	PROPN
easat-3760	325	14	27,633,809	27,633,809	NUM
easat-3760	325	15	rp	rp	NOUN
easat-3760	325	16	.	.	PROPN
easat-3760	325	17	32,173,538	32,173,538	NUM
easat-3760	325	18	100	100	NUM
easat-3760	325	19	%	%	NOUN
easat-3760	325	20	85.9	85.9	NUM
easat-3760	325	21	%	%	NOUN
easat-3760	325	22	very	very	ADV
easat-3760	325	23	healthy	healthy	ADJ
easat-3760	325	24	1	1	NUM
easat-3760	325	25	)	)	PUNCT
easat-3760	325	26	pt	pt	PROPN
easat-3760	325	27	.	.	PROPN
easat-3760	325	28	bank	bank	NOUN
easat-3760	325	29	mandiri	mandiri	NOUN
easat-3760	325	30	(	(	PUNCT
easat-3760	325	31	persero	persero	NOUN
easat-3760	325	32	)	)	PUNCT
easat-3760	325	33	,	,	PUNCT
easat-3760	325	34	tbk	tbk	PROPN
easat-3760	325	35	pt	pt	PROPN
easat-3760	325	36	.	.	PROPN
easat-3760	325	37	bankmandiri	bankmandiri	PROPN
easat-3760	325	38	(	(	PUNCT
easat-3760	325	39	persero	persero	NOUN
easat-3760	325	40	)	)	PUNCT
easat-3760	325	41	,	,	PUNCT
easat-3760	325	42	tbk	tbk	PROPN
easat-3760	325	43	has	have	AUX
easat-3760	325	44	operating	operate	VERB
easat-3760	325	45	income	income	NOUN
easat-3760	325	46	that	that	PRON
easat-3760	325	47	increases	increase	VERB
easat-3760	325	48	every	every	DET
easat-3760	325	49	year	year	NOUN
easat-3760	325	50	,	,	PUNCT
easat-3760	325	51	the	the	DET
easat-3760	325	52	bopo	bopo	NOUN
easat-3760	325	53	percentage	percentage	NOUN
easat-3760	325	54	fluctuates	fluctuate	NOUN
easat-3760	325	55	,	,	PUNCT
easat-3760	325	56	bank	bank	NOUN
easat-3760	325	57	mandiri	mandiri	NOUN
easat-3760	325	58	's	's	PART
easat-3760	325	59	bopo	bopo	ADJ
easat-3760	325	60	percentage	percentage	NOUN
easat-3760	325	61	increased	increase	VERB
easat-3760	325	62	during	during	ADP
easat-3760	325	63	the	the	DET
easat-3760	325	64	2022	2022	NUM
easat-3760	325	65	period	period	NOUN
easat-3760	325	66	.	.	PUNCT
easat-3760	326	1	2	2	X
easat-3760	326	2	)	)	PUNCT
easat-3760	326	3	pt	pt	PROPN
easat-3760	326	4	.	.	PROPN
easat-3760	326	5	bank	bank	PROPN
easat-3760	326	6	rakyat	rakyat	PROPN
easat-3760	326	7	indonesia	indonesia	PROPN
easat-3760	326	8	(	(	PUNCT
easat-3760	326	9	persero	persero	PROPN
easat-3760	326	10	)	)	PUNCT
easat-3760	326	11	,	,	PUNCT
easat-3760	326	12	tbk	tbk	PROPN
easat-3760	326	13	pt	pt	PROPN
easat-3760	326	14	.	.	PROPN
easat-3760	326	15	bank	bank	PROPN
easat-3760	326	16	rakyat	rakyat	PROPN
easat-3760	326	17	indonesia	indonesia	PROPN
easat-3760	326	18	(	(	PUNCT
easat-3760	326	19	persero	persero	PROPN
easat-3760	326	20	)	)	PUNCT
easat-3760	326	21	,	,	PUNCT
easat-3760	326	22	tbk	tbk	PROPN
easat-3760	326	23	has	have	VERB
easat-3760	326	24	an	an	DET
easat-3760	326	25	operating	operate	VERB
easat-3760	326	26	income	income	NOUN
easat-3760	326	27	that	that	PRON
easat-3760	326	28	increases	increase	VERB
easat-3760	326	29	every	every	DET
easat-3760	326	30	year	year	NOUN
easat-3760	326	31	,	,	PUNCT
easat-3760	326	32	but	but	CCONJ
easat-3760	326	33	the	the	DET
easat-3760	326	34	bopo	bopo	NOUN
easat-3760	326	35	percentage	percentage	NOUN
easat-3760	326	36	fluctuates	fluctuate	NOUN
easat-3760	326	37	,	,	PUNCT
easat-3760	326	38	bri	bri	NOUN
easat-3760	326	39	's	's	PART
easat-3760	326	40	bopo	bopo	NOUN
easat-3760	326	41	percentage	percentage	NOUN
easat-3760	326	42	increased	increase	VERB
easat-3760	326	43	during	during	ADP
easat-3760	326	44	the	the	DET
easat-3760	326	45	2022	2022	NUM
easat-3760	326	46	period	period	NOUN
easat-3760	326	47	.	.	PUNCT
easat-3760	327	1	3	3	X
easat-3760	327	2	)	)	PUNCT
easat-3760	327	3	pt	pt	PROPN
easat-3760	327	4	.	.	PROPN
easat-3760	327	5	bank	bank	PROPN
easat-3760	327	6	negara	negara	PROPN
easat-3760	327	7	indonesia	indonesia	PROPN
easat-3760	327	8	(	(	PUNCT
easat-3760	327	9	persero	persero	PROPN
easat-3760	327	10	)	)	PUNCT
easat-3760	327	11	,	,	PUNCT
easat-3760	327	12	tbk	tbk	PROPN
easat-3760	327	13	pt	pt	PROPN
easat-3760	327	14	.	.	PROPN
easat-3760	327	15	bank	bank	PROPN
easat-3760	327	16	negara	negara	PROPN
easat-3760	327	17	indonesia	indonesia	PROPN
easat-3760	327	18	(	(	PUNCT
easat-3760	327	19	persero	persero	PROPN
easat-3760	327	20	)	)	PUNCT
easat-3760	327	21	,	,	PUNCT
easat-3760	327	22	tbk	tbk	PROPN
easat-3760	327	23	has	have	VERB
easat-3760	327	24	an	an	DET
easat-3760	327	25	increasing	increase	VERB
easat-3760	327	26	bopo	bopo	NOUN
easat-3760	327	27	percentage	percentage	NOUN
easat-3760	327	28	during	during	ADP
easat-3760	327	29	the	the	DET
easat-3760	327	30	2022	2022	NUM
easat-3760	327	31	period	period	NOUN
easat-3760	327	32	in	in	ADP
easat-3760	327	33	the	the	DET
easat-3760	327	34	very	very	ADV
easat-3760	327	35	healthy	healthy	ADJ
easat-3760	327	36	category	category	NOUN
easat-3760	327	37	,	,	PUNCT
easat-3760	327	38	and	and	CCONJ
easat-3760	327	39	only	only	ADV
easat-3760	327	40	experienced	experience	VERB
easat-3760	327	41	a	a	DET
easat-3760	327	42	decrease	decrease	NOUN
easat-3760	327	43	in	in	ADP
easat-3760	327	44	percentage	percentage	NOUN
easat-3760	327	45	in	in	ADP
easat-3760	327	46	the	the	DET
easat-3760	327	47	2023	2023	NUM
easat-3760	327	48	period	period	NOUN
easat-3760	327	49	with	with	ADP
easat-3760	327	50	a	a	DET
easat-3760	327	51	very	very	ADV
easat-3760	327	52	healthy	healthy	ADJ
easat-3760	327	53	category	category	NOUN
easat-3760	327	54	.	.	PUNCT
easat-3760	328	1	4	4	NUM
easat-3760	328	2	)	)	PUNCT
easat-3760	328	3	pt	pt	PROPN
easat-3760	328	4	.	.	PROPN
easat-3760	328	5	state	state	PROPN
easat-3760	328	6	savings	savings	PROPN
easat-3760	328	7	bank	bank	PROPN
easat-3760	328	8	(	(	PUNCT
easat-3760	328	9	persero	persero	PROPN
easat-3760	328	10	)	)	PUNCT
easat-3760	328	11	,	,	PUNCT
easat-3760	328	12	tbk	tbk	PROPN
easat-3760	328	13	pt	pt	PROPN
easat-3760	328	14	.	.	PROPN
easat-3760	328	15	bank	bank	PROPN
easat-3760	328	16	tabungan	tabungan	VERB
easat-3760	328	17	negara	negara	PROPN
easat-3760	328	18	(	(	PUNCT
easat-3760	328	19	persero	persero	PROPN
easat-3760	328	20	)	)	PUNCT
easat-3760	328	21	,	,	PUNCT
easat-3760	328	22	tbk	tbk	PROPN
easat-3760	328	23	experienced	experience	VERB
easat-3760	328	24	a	a	DET
easat-3760	328	25	percentage	percentage	NOUN
easat-3760	328	26	decline	decline	NOUN
easat-3760	328	27	in	in	ADP
easat-3760	328	28	the	the	DET
easat-3760	328	29	2023	2023	NUM
easat-3760	328	30	period	period	NOUN
easat-3760	328	31	.	.	PUNCT
easat-3760	329	1	8185	8185	NUM
easat-3760	329	2	edelweiss	edelweiss	PROPN
easat-3760	329	3	applied	apply	VERB
easat-3760	329	4	science	science	NOUN
easat-3760	329	5	and	and	CCONJ
easat-3760	329	6	technology	technology	NOUN
easat-3760	329	7	issn	issn	PROPN
easat-3760	329	8	:	:	PUNCT
easat-3760	329	9	2576	2576	NUM
easat-3760	329	10	-	-	SYM
easat-3760	329	11	8484	8484	NUM
easat-3760	329	12	vol	vol	NOUN
easat-3760	329	13	.	.	PROPN
easat-3760	329	14	8	8	NUM
easat-3760	329	15	,	,	PUNCT
easat-3760	329	16	no	no	INTJ
easat-3760	329	17	.	.	NOUN
easat-3760	330	1	6	6	NUM
easat-3760	330	2	:	:	SYM
easat-3760	330	3	8168	8168	NUM
easat-3760	330	4	-	-	SYM
easat-3760	330	5	8188	8188	NUM
easat-3760	330	6	,	,	PUNCT
easat-3760	330	7	2024	2024	NUM
easat-3760	330	8	doi	doi	NOUN
easat-3760	330	9	:	:	PUNCT
easat-3760	330	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	330	11	©	©	PROPN
easat-3760	330	12	2024	2024	NUM
easat-3760	330	13	by	by	ADP
easat-3760	330	14	the	the	DET
easat-3760	330	15	authors	author	NOUN
easat-3760	330	16	;	;	PUNCT
easat-3760	330	17	licensee	licensee	PROPN
easat-3760	330	18	learning	learn	VERB
easat-3760	330	19	gate	gate	PROPN
easat-3760	330	20	4.2.3.4	4.2.3.4	NUM
easat-3760	330	21	.	.	PUNCT
easat-3760	330	22	net	net	ADJ
easat-3760	330	23	interest	interest	NOUN
easat-3760	330	24	margin	margin	NOUN
easat-3760	330	25	(	(	PUNCT
easat-3760	330	26	nim	nim	NOUN
easat-3760	330	27	)	)	PUNCT
easat-3760	330	28	table	table	NOUN
easat-3760	330	29	20	20	NUM
easat-3760	330	30	.	.	PUNCT
easat-3760	331	1	net	net	ADJ
easat-3760	331	2	interest	interest	NOUN
easat-3760	331	3	margin	margin	NOUN
easat-3760	331	4	(	(	PUNCT
easat-3760	331	5	nim	nim	NOUN
easat-3760	331	6	)	)	PUNCT
easat-3760	331	7	of	of	ADP
easat-3760	331	8	bumn	bumn	NOUN
easat-3760	331	9	banks	bank	NOUN
easat-3760	331	10	for	for	ADP
easat-3760	331	11	the	the	DET
easat-3760	331	12	2022	2022	NUM
easat-3760	331	13	-	-	SYM
easat-3760	331	14	2023	2023	NUM
easat-3760	331	15	period	period	NOUN
easat-3760	331	16	.	.	PUNCT
easat-3760	332	1	(	(	PUNCT
easat-3760	332	2	expressed	express	VERB
easat-3760	332	3	in	in	ADP
easat-3760	332	4	millions	million	NOUN
easat-3760	332	5	of	of	ADP
easat-3760	332	6	rupiah	rupiah	NOUN
easat-3760	332	7	,	,	PUNCT
easat-3760	332	8	unless	unless	SCONJ
easat-3760	332	9	otherwise	otherwise	ADV
easat-3760	332	10	stated	state	VERB
easat-3760	332	11	)	)	PUNCT
easat-3760	332	12	year	year	NOUN
easat-3760	332	13	net	net	ADJ
easat-3760	332	14	interest	interest	NOUN
easat-3760	332	15	income	income	NOUN
easat-3760	332	16	productive	productive	ADJ
easat-3760	332	17	assets	asset	NOUN
easat-3760	332	18	100	100	NUM
easat-3760	332	19	%	%	NOUN
easat-3760	332	20	nim	nim	PROPN
easat-3760	332	21	ojk	ojk	NOUN
easat-3760	332	22	standards	standard	NOUN
easat-3760	332	23	(	(	PUNCT
easat-3760	332	24	a	a	NOUN
easat-3760	332	25	)	)	PUNCT
easat-3760	332	26	(	(	PUNCT
easat-3760	332	27	b	b	X
easat-3760	332	28	)	)	PUNCT
easat-3760	332	29	(	(	PUNCT
easat-3760	332	30	c	c	X
easat-3760	332	31	)	)	PUNCT
easat-3760	332	32	a	a	DET
easat-3760	332	33	/	/	SYM
easat-3760	332	34	b×c	b×c	PROPN
easat-3760	332	35	pt	pt	PROPN
easat-3760	332	36	.	.	PROPN
easat-3760	332	37	bank	bank	PROPN
easat-3760	332	38	mandiri	mandiri	NOUN
easat-3760	332	39	(	(	PUNCT
easat-3760	332	40	persero	persero	NOUN
easat-3760	332	41	)	)	PUNCT
easat-3760	332	42	,	,	PUNCT
easat-3760	332	43	tbk	tbk	VERB
easat-3760	332	44	2022	2022	NUM
easat-3760	332	45	rp	rp	NOUN
easat-3760	332	46	.	.	PROPN
easat-3760	332	47	87,903,354	87,903,354	NUM
easat-3760	332	48	rp	rp	NOUN
easat-3760	332	49	.	.	PUNCT
easat-3760	333	1	1,771,877,340	1,771,877,340	NUM
easat-3760	333	2	100	100	NUM
easat-3760	333	3	%	%	NOUN
easat-3760	333	4	5.0	5.0	NUM
easat-3760	333	5	%	%	NOUN
easat-3760	333	6	very	very	ADV
easat-3760	333	7	healthy	healthy	ADJ
easat-3760	333	8	2023	2023	NUM
easat-3760	333	9	rp	rp	NOUN
easat-3760	333	10	.	.	PROPN
easat-3760	334	1	95,886,574	95,886,574	NUM
easat-3760	334	2	rp	rp	NOUN
easat-3760	334	3	.	.	PUNCT
easat-3760	335	1	1,943,112,270	1,943,112,270	NUM
easat-3760	335	2	100	100	NUM
easat-3760	335	3	%	%	NOUN
easat-3760	335	4	4.9	4.9	NUM
easat-3760	335	5	%	%	NOUN
easat-3760	335	6	very	very	ADV
easat-3760	335	7	healthy	healthy	ADJ
easat-3760	335	8	pt	pt	PROPN
easat-3760	335	9	.	.	PROPN
easat-3760	335	10	bank	bank	PROPN
easat-3760	335	11	rakyat	rakyat	PROPN
easat-3760	335	12	indonesia	indonesia	PROPN
easat-3760	335	13	(	(	PUNCT
easat-3760	335	14	persero	persero	PROPN
easat-3760	335	15	)	)	PUNCT
easat-3760	335	16	,	,	PUNCT
easat-3760	335	17	tbk	tbk	VERB
easat-3760	335	18	2022	2022	NUM
easat-3760	335	19	rp	rp	NOUN
easat-3760	335	20	.	.	PROPN
easat-3760	336	1	124,597,073	124,597,073	NUM
easat-3760	336	2	rp	rp	NOUN
easat-3760	336	3	.	.	PUNCT
easat-3760	337	1	1,644,479,937	1,644,479,937	NUM
easat-3760	337	2	100	100	NUM
easat-3760	337	3	%	%	NOUN
easat-3760	337	4	7.6	7.6	NUM
easat-3760	337	5	%	%	NOUN
easat-3760	337	6	very	very	ADV
easat-3760	337	7	healthy	healthy	ADJ
easat-3760	337	8	2023	2023	NUM
easat-3760	337	9	rp	rp	NOUN
easat-3760	337	10	.	.	PROPN
easat-3760	338	1	135,183,487	135,183,487	NUM
easat-3760	338	2	rp	rp	NOUN
easat-3760	338	3	.	.	PUNCT
easat-3760	339	1	1,768,673,704	1,768,673,704	NUM
easat-3760	339	2	100	100	NUM
easat-3760	339	3	%	%	NOUN
easat-3760	339	4	7.6	7.6	NUM
easat-3760	339	5	%	%	NOUN
easat-3760	339	6	very	very	ADV
easat-3760	339	7	healthy	healthy	ADJ
easat-3760	339	8	pt	pt	PROPN
easat-3760	339	9	.	.	PROPN
easat-3760	339	10	bank	bank	PROPN
easat-3760	339	11	negara	negara	PROPN
easat-3760	339	12	indonesia	indonesia	PROPN
easat-3760	339	13	(	(	PUNCT
easat-3760	339	14	persero	persero	PROPN
easat-3760	339	15	)	)	PUNCT
easat-3760	339	16	,	,	PUNCT
easat-3760	339	17	tbk	tbk	VERB
easat-3760	339	18	2022	2022	NUM
easat-3760	339	19	rp	rp	NOUN
easat-3760	339	20	.	.	PROPN
easat-3760	340	1	41,320,692	41,320,692	NUM
easat-3760	340	2	rp	rp	NOUN
easat-3760	340	3	.	.	PROPN
easat-3760	341	1	905,591,941	905,591,941	NUM
easat-3760	341	2	100	100	NUM
easat-3760	341	3	%	%	NOUN
easat-3760	341	4	4.6	4.6	NUM
easat-3760	341	5	%	%	NOUN
easat-3760	341	6	very	very	ADV
easat-3760	341	7	healthy	healthy	ADJ
easat-3760	341	8	2023	2023	NUM
easat-3760	341	9	rp	rp	NOUN
easat-3760	341	10	.	.	PROPN
easat-3760	341	11	41,275,673	41,275,673	NUM
easat-3760	342	1	rp	rp	NOUN
easat-3760	342	2	.	.	PROPN
easat-3760	343	1	955,266,492	955,266,492	NUM
easat-3760	343	2	100	100	NUM
easat-3760	343	3	%	%	NOUN
easat-3760	343	4	4	4	NUM
easat-3760	343	5	%	%	NOUN
easat-3760	343	6	very	very	ADV
easat-3760	343	7	healthy	healthy	ADJ
easat-3760	343	8	pt	pt	PROPN
easat-3760	343	9	.	.	PROPN
easat-3760	343	10	state	state	PROPN
easat-3760	343	11	savings	savings	PROPN
easat-3760	343	12	bank	bank	PROPN
easat-3760	343	13	(	(	PUNCT
easat-3760	343	14	persero	persero	PROPN
easat-3760	343	15	)	)	PUNCT
easat-3760	343	16	,	,	PUNCT
easat-3760	343	17	tbk	tbk	VERB
easat-3760	343	18	2022	2022	NUM
easat-3760	343	19	rp	rp	NOUN
easat-3760	343	20	.	.	PROPN
easat-3760	343	21	14,997,284	14,997,284	NUM
easat-3760	343	22	rp	rp	NOUN
easat-3760	343	23	.	.	PUNCT
easat-3760	344	1	366,904,491	366,904,491	NUM
easat-3760	344	2	100	100	NUM
easat-3760	344	3	%	%	NOUN
easat-3760	344	4	4.1	4.1	NUM
easat-3760	344	5	%	%	NOUN
easat-3760	344	6	very	very	ADV
easat-3760	344	7	healthy	healthy	ADJ
easat-3760	344	8	2023	2023	NUM
easat-3760	344	9	rp	rp	NOUN
easat-3760	344	10	.	.	PROPN
easat-3760	344	11	13,430,290	13,430,290	NUM
easat-3760	344	12	rp	rp	NOUN
easat-3760	344	13	.	.	PROPN
easat-3760	344	14	406,035,808	406,035,808	NUM
easat-3760	344	15	100	100	NUM
easat-3760	344	16	%	%	NOUN
easat-3760	344	17	3.3	3.3	NUM
easat-3760	344	18	%	%	NOUN
easat-3760	344	19	very	very	ADV
easat-3760	344	20	healthy	healthy	ADJ
easat-3760	344	21	1	1	NUM
easat-3760	344	22	)	)	PUNCT
easat-3760	344	23	pt	pt	PROPN
easat-3760	344	24	.	.	PROPN
easat-3760	344	25	bank	bank	NOUN
easat-3760	344	26	mandiri	mandiri	NOUN
easat-3760	344	27	(	(	PUNCT
easat-3760	344	28	persero	persero	NOUN
easat-3760	344	29	)	)	PUNCT
easat-3760	344	30	,	,	PUNCT
easat-3760	344	31	tbk	tbk	PROPN
easat-3760	344	32	pt	pt	PROPN
easat-3760	344	33	.	.	PROPN
easat-3760	344	34	bankmandiri	bankmandiri	PROPN
easat-3760	344	35	(	(	PUNCT
easat-3760	344	36	persero	persero	NOUN
easat-3760	344	37	)	)	PUNCT
easat-3760	344	38	,	,	PUNCT
easat-3760	344	39	tbk	tbk	PROPN
easat-3760	344	40	experienced	experience	VERB
easat-3760	344	41	a	a	DET
easat-3760	344	42	decrease	decrease	NOUN
easat-3760	344	43	in	in	ADP
easat-3760	344	44	nim	nim	PROPN
easat-3760	344	45	percentage	percentage	NOUN
easat-3760	344	46	in	in	ADP
easat-3760	344	47	2023	2023	NUM
easat-3760	344	48	compared	compare	VERB
easat-3760	344	49	to	to	ADP
easat-3760	344	50	2022	2022	NUM
easat-3760	344	51	and	and	CCONJ
easat-3760	344	52	is	be	AUX
easat-3760	344	53	in	in	ADP
easat-3760	344	54	the	the	DET
easat-3760	344	55	very	very	ADV
easat-3760	344	56	healthy	healthy	ADJ
easat-3760	344	57	category	category	NOUN
easat-3760	344	58	.	.	PUNCT
easat-3760	345	1	2	2	X
easat-3760	345	2	)	)	PUNCT
easat-3760	345	3	pt	pt	PROPN
easat-3760	345	4	.	.	PROPN
easat-3760	345	5	bank	bank	PROPN
easat-3760	345	6	rakyat	rakyat	PROPN
easat-3760	345	7	indonesia	indonesia	PROPN
easat-3760	345	8	(	(	PUNCT
easat-3760	345	9	persero	persero	PROPN
easat-3760	345	10	)	)	PUNCT
easat-3760	345	11	,	,	PUNCT
easat-3760	345	12	tbk	tbk	PROPN
easat-3760	345	13	pt	pt	PROPN
easat-3760	345	14	.	.	PROPN
easat-3760	345	15	bank	bank	PROPN
easat-3760	345	16	rakyat	rakyat	PROPN
easat-3760	345	17	indonesia	indonesia	PROPN
easat-3760	345	18	(	(	PUNCT
easat-3760	345	19	persero	persero	PROPN
easat-3760	345	20	)	)	PUNCT
easat-3760	345	21	,	,	PUNCT
easat-3760	345	22	tbk	tbk	PROPN
easat-3760	345	23	has	have	VERB
easat-3760	345	24	the	the	DET
easat-3760	345	25	same	same	ADJ
easat-3760	345	26	nim	nim	NOUN
easat-3760	345	27	percentage	percentage	NOUN
easat-3760	345	28	in	in	ADP
easat-3760	345	29	2022	2022	NUM
easat-3760	345	30	and	and	CCONJ
easat-3760	345	31	2023	2023	NUM
easat-3760	345	32	in	in	ADP
easat-3760	345	33	the	the	DET
easat-3760	345	34	very	very	ADV
easat-3760	345	35	healthy	healthy	ADJ
easat-3760	345	36	category	category	NOUN
easat-3760	345	37	.	.	PUNCT
easat-3760	346	1	3	3	X
easat-3760	346	2	)	)	PUNCT
easat-3760	346	3	pt	pt	PROPN
easat-3760	346	4	.	.	PROPN
easat-3760	346	5	bank	bank	PROPN
easat-3760	346	6	negara	negara	PROPN
easat-3760	346	7	indonesia	indonesia	PROPN
easat-3760	346	8	(	(	PUNCT
easat-3760	346	9	persero	persero	PROPN
easat-3760	346	10	)	)	PUNCT
easat-3760	346	11	,	,	PUNCT
easat-3760	346	12	tbk	tbk	PROPN
easat-3760	346	13	pt	pt	PROPN
easat-3760	346	14	.	.	PROPN
easat-3760	346	15	bank	bank	PROPN
easat-3760	346	16	negara	negara	PROPN
easat-3760	346	17	indonesia	indonesia	PROPN
easat-3760	346	18	(	(	PUNCT
easat-3760	346	19	persero	persero	PROPN
easat-3760	346	20	)	)	PUNCT
easat-3760	346	21	,	,	PUNCT
easat-3760	346	22	tbk	tbk	PROPN
easat-3760	346	23	experienced	experience	VERB
easat-3760	346	24	a	a	DET
easat-3760	346	25	decline	decline	NOUN
easat-3760	346	26	in	in	ADP
easat-3760	346	27	nim	nim	PROPN
easat-3760	346	28	percentage	percentage	NOUN
easat-3760	346	29	in	in	ADP
easat-3760	346	30	2023	2023	NUM
easat-3760	346	31	compared	compare	VERB
easat-3760	346	32	to	to	ADP
easat-3760	346	33	2022	2022	NUM
easat-3760	346	34	but	but	CCONJ
easat-3760	346	35	remained	remain	VERB
easat-3760	346	36	in	in	ADP
easat-3760	346	37	the	the	DET
easat-3760	346	38	very	very	ADV
easat-3760	346	39	healthy	healthy	ADJ
easat-3760	346	40	category	category	NOUN
easat-3760	346	41	.	.	PUNCT
easat-3760	347	1	4	4	NUM
easat-3760	347	2	)	)	PUNCT
easat-3760	347	3	pt	pt	PROPN
easat-3760	347	4	.	.	PROPN
easat-3760	347	5	state	state	PROPN
easat-3760	347	6	savings	savings	PROPN
easat-3760	347	7	bank	bank	PROPN
easat-3760	347	8	(	(	PUNCT
easat-3760	347	9	persero	persero	PROPN
easat-3760	347	10	)	)	PUNCT
easat-3760	347	11	,	,	PUNCT
easat-3760	347	12	tbk	tbk	PROPN
easat-3760	347	13	pt	pt	PROPN
easat-3760	347	14	.	.	PROPN
easat-3760	347	15	bank	bank	PROPN
easat-3760	347	16	tabungan	tabungan	VERB
easat-3760	347	17	negara	negara	PROPN
easat-3760	347	18	(	(	PUNCT
easat-3760	347	19	persero	persero	PROPN
easat-3760	347	20	)	)	PUNCT
easat-3760	347	21	,	,	PUNCT
easat-3760	347	22	tbk	tbk	PROPN
easat-3760	347	23	experienced	experience	VERB
easat-3760	347	24	a	a	DET
easat-3760	347	25	decrease	decrease	NOUN
easat-3760	347	26	in	in	ADP
easat-3760	347	27	the	the	DET
easat-3760	347	28	nim	nim	PROPN
easat-3760	347	29	percentage	percentage	NOUN
easat-3760	347	30	in	in	ADP
easat-3760	347	31	2023	2023	NUM
easat-3760	347	32	compared	compare	VERB
easat-3760	347	33	to	to	ADP
easat-3760	347	34	2022	2022	NUM
easat-3760	347	35	but	but	CCONJ
easat-3760	347	36	is	be	AUX
easat-3760	347	37	still	still	ADV
easat-3760	347	38	in	in	ADP
easat-3760	347	39	the	the	DET
easat-3760	347	40	very	very	ADV
easat-3760	347	41	healthy	healthy	ADJ
easat-3760	347	42	category	category	NOUN
easat-3760	347	43	.	.	PUNCT
easat-3760	348	1	8186	8186	NUM
easat-3760	348	2	edelweiss	edelweiss	PROPN
easat-3760	348	3	applied	apply	VERB
easat-3760	348	4	science	science	NOUN
easat-3760	348	5	and	and	CCONJ
easat-3760	348	6	technology	technology	NOUN
easat-3760	348	7	issn	issn	PROPN
easat-3760	348	8	:	:	PUNCT
easat-3760	348	9	2576	2576	NUM
easat-3760	348	10	-	-	SYM
easat-3760	348	11	8484	8484	NUM
easat-3760	348	12	vol	vol	NOUN
easat-3760	348	13	.	.	PROPN
easat-3760	348	14	8	8	NUM
easat-3760	348	15	,	,	PUNCT
easat-3760	348	16	no	no	INTJ
easat-3760	348	17	.	.	NOUN
easat-3760	348	18	6	6	NUM
easat-3760	348	19	:	:	SYM
easat-3760	348	20	8168	8168	NUM
easat-3760	348	21	-	-	SYM
easat-3760	348	22	8188	8188	NUM
easat-3760	348	23	,	,	PUNCT
easat-3760	348	24	2024	2024	NUM
easat-3760	348	25	doi	doi	NOUN
easat-3760	348	26	:	:	PUNCT
easat-3760	348	27	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	348	28	©	©	PROPN
easat-3760	348	29	2024	2024	NUM
easat-3760	348	30	by	by	ADP
easat-3760	348	31	the	the	DET
easat-3760	348	32	authors	author	NOUN
easat-3760	348	33	;	;	PUNCT
easat-3760	348	34	licensee	licensee	PROPN
easat-3760	348	35	learning	learn	VERB
easat-3760	348	36	gate	gate	VERB
easat-3760	348	37	4.2.4	4.2.4	PROPN
easat-3760	348	38	.	.	PUNCT
easat-3760	349	1	analysis	analysis	NOUN
easat-3760	349	2	of	of	ADP
easat-3760	349	3	non	non	ADJ
easat-3760	349	4	-	-	ADJ
easat-3760	349	5	performing	performing	ADJ
easat-3760	349	6	loan	loan	NOUN
easat-3760	349	7	ratio	ratio	NOUN
easat-3760	349	8	of	of	ADP
easat-3760	349	9	state	state	NOUN
easat-3760	349	10	-	-	PUNCT
easat-3760	349	11	owned	own	VERB
easat-3760	349	12	bank	bank	NOUN
easat-3760	349	13	finances	finance	NOUN
easat-3760	349	14	for	for	ADP
easat-3760	349	15	the	the	DET
easat-3760	349	16	period	period	NOUN
easat-3760	349	17	2022	2022	NUM
easat-3760	349	18	-	-	SYM
easat-3760	349	19	2023	2023	NUM
easat-3760	349	20	table	table	NOUN
easat-3760	349	21	21	21	NUM
easat-3760	349	22	.	.	PUNCT
easat-3760	350	1	non	non	ADJ
easat-3760	350	2	performing	perform	VERB
easat-3760	350	3	loans	loan	NOUN
easat-3760	350	4	of	of	ADP
easat-3760	350	5	state	state	NOUN
easat-3760	350	6	-	-	PUNCT
easat-3760	350	7	owned	own	VERB
easat-3760	350	8	banks	bank	NOUN
easat-3760	350	9	for	for	ADP
easat-3760	350	10	the	the	DET
easat-3760	350	11	period	period	NOUN
easat-3760	350	12	2022	2022	NUM
easat-3760	350	13	-	-	SYM
easat-3760	350	14	2023	2023	NUM
easat-3760	350	15	.	.	PUNCT
easat-3760	351	1	(	(	PUNCT
easat-3760	351	2	expressed	express	VERB
easat-3760	351	3	in	in	ADP
easat-3760	351	4	millions	million	NOUN
easat-3760	351	5	of	of	ADP
easat-3760	351	6	rupiah	rupiah	NOUN
easat-3760	351	7	,	,	PUNCT
easat-3760	351	8	unless	unless	SCONJ
easat-3760	351	9	otherwise	otherwise	ADV
easat-3760	351	10	stated	state	VERB
easat-3760	351	11	)	)	PUNCT
easat-3760	351	12	.	.	PUNCT
easat-3760	352	1	year	year	NOUN
easat-3760	352	2	non	non	ADJ
easat-3760	352	3	-	-	ADJ
easat-3760	352	4	performing	performing	ADJ
easat-3760	352	5	loans	loan	NOUN
easat-3760	352	6	total	total	ADJ
easat-3760	352	7	credit	credit	NOUN
easat-3760	352	8	100	100	NUM
easat-3760	352	9	%	%	NOUN
easat-3760	352	10	npl	npl	PROPN
easat-3760	352	11	ojk	ojk	NOUN
easat-3760	352	12	standards	standard	NOUN
easat-3760	352	13	(	(	PUNCT
easat-3760	352	14	a	a	NOUN
easat-3760	352	15	)	)	PUNCT
easat-3760	352	16	(	(	PUNCT
easat-3760	352	17	b	b	X
easat-3760	352	18	)	)	PUNCT
easat-3760	352	19	(	(	PUNCT
easat-3760	352	20	c	c	X
easat-3760	352	21	)	)	PUNCT
easat-3760	352	22	a	a	DET
easat-3760	352	23	/	/	SYM
easat-3760	352	24	b×c	b×c	PROPN
easat-3760	352	25	pt	pt	PROPN
easat-3760	352	26	.	.	PROPN
easat-3760	352	27	bank	bank	PROPN
easat-3760	352	28	mandiri	mandiri	NOUN
easat-3760	352	29	(	(	PUNCT
easat-3760	352	30	persero	persero	NOUN
easat-3760	352	31	)	)	PUNCT
easat-3760	352	32	,	,	PUNCT
easat-3760	352	33	tbk	tbk	VERB
easat-3760	352	34	2022	2022	NUM
easat-3760	352	35	rp	rp	NOUN
easat-3760	352	36	.	.	PROPN
easat-3760	353	1	22,676,806	22,676,806	NUM
easat-3760	353	2	rp	rp	NOUN
easat-3760	353	3	.	.	PROPN
easat-3760	353	4	1,202,230,169	1,202,230,169	NUM
easat-3760	353	5	100	100	NUM
easat-3760	353	6	%	%	NOUN
easat-3760	353	7	1.9	1.9	NUM
easat-3760	353	8	%	%	NOUN
easat-3760	353	9	very	very	ADV
easat-3760	353	10	healthy	healthy	ADJ
easat-3760	353	11	2023	2023	NUM
easat-3760	353	12	rp	rp	NOUN
easat-3760	353	13	.	.	PROPN
easat-3760	354	1	16,133,591	16,133,591	NUM
easat-3760	354	2	rp	rp	NOUN
easat-3760	354	3	.	.	PUNCT
easat-3760	354	4	1,398,071,233	1,398,071,233	NUM
easat-3760	354	5	100	100	NUM
easat-3760	354	6	%	%	NOUN
easat-3760	354	7	1.2	1.2	NUM
easat-3760	354	8	%	%	NOUN
easat-3760	354	9	very	very	ADV
easat-3760	354	10	healthy	healthy	ADJ
easat-3760	354	11	pt	pt	PROPN
easat-3760	354	12	.	.	PROPN
easat-3760	354	13	bank	bank	PROPN
easat-3760	354	14	rakyat	rakyat	PROPN
easat-3760	354	15	indonesia	indonesia	PROPN
easat-3760	354	16	(	(	PUNCT
easat-3760	354	17	persero	persero	PROPN
easat-3760	354	18	)	)	PUNCT
easat-3760	354	19	,	,	PUNCT
easat-3760	354	20	tbk	tbk	VERB
easat-3760	354	21	2022	2022	NUM
easat-3760	354	22	rp	rp	NOUN
easat-3760	354	23	.	.	PROPN
easat-3760	355	1	30,447,892	30,447,892	NUM
easat-3760	355	2	rp	rp	NOUN
easat-3760	355	3	.	.	PUNCT
easat-3760	356	1	1,139,077,065	1,139,077,065	NUM
easat-3760	356	2	100	100	NUM
easat-3760	356	3	%	%	NOUN
easat-3760	356	4	2.7	2.7	NUM
easat-3760	356	5	%	%	NOUN
easat-3760	356	6	healthy	healthy	ADJ
easat-3760	356	7	2023	2023	NUM
easat-3760	356	8	rp	rp	NOUN
easat-3760	356	9	.	.	PROPN
easat-3760	356	10	37,322,699	37,322,699	NUM
easat-3760	356	11	rp	rp	NOUN
easat-3760	356	12	.	.	PUNCT
easat-3760	356	13	1,266,429,247	1,266,429,247	NUM
easat-3760	357	1	100	100	NUM
easat-3760	357	2	%	%	NOUN
easat-3760	357	3	2.9	2.9	NUM
easat-3760	357	4	%	%	NOUN
easat-3760	357	5	healthy	healthy	ADJ
easat-3760	357	6	pt	pt	PROPN
easat-3760	357	7	.	.	PROPN
easat-3760	357	8	bank	bank	PROPN
easat-3760	357	9	negara	negara	PROPN
easat-3760	357	10	indonesia	indonesia	PROPN
easat-3760	357	11	(	(	PUNCT
easat-3760	357	12	persero	persero	PROPN
easat-3760	357	13	)	)	PUNCT
easat-3760	357	14	,	,	PUNCT
easat-3760	357	15	tbk	tbk	VERB
easat-3760	357	16	2022	2022	NUM
easat-3760	357	17	rp	rp	NOUN
easat-3760	357	18	.	.	PROPN
easat-3760	358	1	18,161,498	18,161,498	NUM
easat-3760	358	2	rp	rp	NOUN
easat-3760	358	3	.	.	PUNCT
easat-3760	359	1	646,188,313	646,188,313	NUM
easat-3760	359	2	100	100	NUM
easat-3760	359	3	%	%	NOUN
easat-3760	359	4	2.8	2.8	NUM
easat-3760	359	5	%	%	NOUN
easat-3760	359	6	healthy	healthy	ADJ
easat-3760	359	7	2023	2023	NUM
easat-3760	359	8	rp	rp	NOUN
easat-3760	359	9	.	.	PROPN
easat-3760	359	10	14,835,551	14,835,551	NUM
easat-3760	359	11	rp	rp	NOUN
easat-3760	359	12	.	.	PROPN
easat-3760	360	1	695,084,769	695,084,769	NUM
easat-3760	360	2	100	100	NUM
easat-3760	360	3	%	%	NOUN
easat-3760	360	4	2.1	2.1	NUM
easat-3760	360	5	%	%	NOUN
easat-3760	360	6	healthy	healthy	ADJ
easat-3760	360	7	pt	pt	PROPN
easat-3760	360	8	.	.	PROPN
easat-3760	360	9	state	state	PROPN
easat-3760	360	10	savings	savings	PROPN
easat-3760	360	11	bank	bank	PROPN
easat-3760	360	12	(	(	PUNCT
easat-3760	360	13	persero	persero	PROPN
easat-3760	360	14	)	)	PUNCT
easat-3760	360	15	,	,	PUNCT
easat-3760	360	16	tbk	tbk	VERB
easat-3760	360	17	2022	2022	NUM
easat-3760	360	18	rp	rp	NOUN
easat-3760	360	19	.	.	PROPN
easat-3760	360	20	10,070,300	10,070,300	NUM
easat-3760	360	21	rp	rp	NOUN
easat-3760	360	22	.	.	PROPN
easat-3760	361	1	298,281,704	298,281,704	NUM
easat-3760	361	2	100	100	NUM
easat-3760	361	3	%	%	NOUN
easat-3760	361	4	3.4	3.4	NUM
easat-3760	361	5	%	%	NOUN
easat-3760	361	6	healthy	healthy	ADJ
easat-3760	361	7	2023	2023	NUM
easat-3760	361	8	rp	rp	NOUN
easat-3760	361	9	.	.	PROPN
easat-3760	361	10	10,048,900	10,048,900	NUM
easat-3760	361	11	rp	rp	NOUN
easat-3760	361	12	.	.	PROPN
easat-3760	362	1	333,698,141	333,698,141	NUM
easat-3760	362	2	100	100	NUM
easat-3760	362	3	%	%	NOUN
easat-3760	362	4	3.0	3.0	NUM
easat-3760	362	5	%	%	NOUN
easat-3760	362	6	healthy	healthy	ADJ
easat-3760	362	7	1	1	NUM
easat-3760	362	8	)	)	PUNCT
easat-3760	362	9	pt	pt	PROPN
easat-3760	362	10	.	.	PROPN
easat-3760	362	11	bank	bank	NOUN
easat-3760	362	12	mandiri	mandiri	NOUN
easat-3760	362	13	(	(	PUNCT
easat-3760	362	14	persero	persero	NOUN
easat-3760	362	15	)	)	PUNCT
easat-3760	362	16	,	,	PUNCT
easat-3760	362	17	tbk	tbk	PROPN
easat-3760	362	18	pt	pt	PROPN
easat-3760	362	19	.	.	PROPN
easat-3760	362	20	bank	bank	PROPN
easat-3760	362	21	mandiri	mandiri	NOUN
easat-3760	362	22	(	(	PUNCT
easat-3760	362	23	persero	persero	NOUN
easat-3760	362	24	)	)	PUNCT
easat-3760	362	25	,	,	PUNCT
easat-3760	362	26	tbk	tbk	PROPN
easat-3760	362	27	experienced	experience	VERB
easat-3760	362	28	an	an	DET
easat-3760	362	29	improvement	improvement	NOUN
easat-3760	362	30	in	in	ADP
easat-3760	362	31	the	the	DET
easat-3760	362	32	npl	npl	NOUN
easat-3760	362	33	ratio	ratio	NOUN
easat-3760	362	34	in	in	ADP
easat-3760	362	35	2023	2023	NUM
easat-3760	362	36	compared	compare	VERB
easat-3760	362	37	to	to	ADP
easat-3760	362	38	2022	2022	NUM
easat-3760	362	39	and	and	CCONJ
easat-3760	362	40	is	be	AUX
easat-3760	362	41	in	in	ADP
easat-3760	362	42	the	the	DET
easat-3760	362	43	very	very	ADV
easat-3760	362	44	healthy	healthy	ADJ
easat-3760	362	45	category	category	NOUN
easat-3760	362	46	.	.	PUNCT
easat-3760	363	1	2	2	X
easat-3760	363	2	)	)	PUNCT
easat-3760	363	3	pt	pt	PROPN
easat-3760	363	4	.	.	PROPN
easat-3760	363	5	bank	bank	PROPN
easat-3760	363	6	rakyat	rakyat	PROPN
easat-3760	363	7	indonesia	indonesia	PROPN
easat-3760	363	8	(	(	PUNCT
easat-3760	363	9	persero	persero	PROPN
easat-3760	363	10	)	)	PUNCT
easat-3760	363	11	,	,	PUNCT
easat-3760	363	12	tbk	tbk	PROPN
easat-3760	363	13	pt	pt	PROPN
easat-3760	363	14	.	.	PROPN
easat-3760	363	15	bank	bank	PROPN
easat-3760	363	16	rakyat	rakyat	PROPN
easat-3760	363	17	indonesia	indonesia	PROPN
easat-3760	363	18	(	(	PUNCT
easat-3760	363	19	persero	persero	PROPN
easat-3760	363	20	)	)	PUNCT
easat-3760	363	21	,	,	PUNCT
easat-3760	363	22	tbk	tbk	PROPN
easat-3760	363	23	experienced	experience	VERB
easat-3760	363	24	an	an	DET
easat-3760	363	25	increase	increase	NOUN
easat-3760	363	26	in	in	ADP
easat-3760	363	27	npl	npl	NOUN
easat-3760	363	28	in	in	ADP
easat-3760	363	29	2023	2023	NUM
easat-3760	363	30	in	in	ADP
easat-3760	363	31	the	the	DET
easat-3760	363	32	healthy	healthy	ADJ
easat-3760	363	33	category	category	NOUN
easat-3760	363	34	.	.	PUNCT
easat-3760	364	1	3	3	X
easat-3760	364	2	)	)	PUNCT
easat-3760	364	3	pt	pt	PROPN
easat-3760	364	4	.	.	PROPN
easat-3760	364	5	bank	bank	PROPN
easat-3760	364	6	negara	negara	PROPN
easat-3760	364	7	indonesia	indonesia	PROPN
easat-3760	364	8	(	(	PUNCT
easat-3760	364	9	persero	persero	PROPN
easat-3760	364	10	)	)	PUNCT
easat-3760	364	11	,	,	PUNCT
easat-3760	364	12	tbk	tbk	PROPN
easat-3760	364	13	pt	pt	PROPN
easat-3760	364	14	.	.	PROPN
easat-3760	364	15	bank	bank	PROPN
easat-3760	364	16	negara	negara	PROPN
easat-3760	364	17	indonesia	indonesia	PROPN
easat-3760	364	18	(	(	PUNCT
easat-3760	364	19	persero	persero	PROPN
easat-3760	364	20	)	)	PUNCT
easat-3760	364	21	,	,	PUNCT
easat-3760	364	22	tbk	tbk	PROPN
easat-3760	364	23	experienced	experience	VERB
easat-3760	364	24	a	a	DET
easat-3760	364	25	decrease	decrease	NOUN
easat-3760	364	26	in	in	ADP
easat-3760	364	27	the	the	DET
easat-3760	364	28	npl	npl	NOUN
easat-3760	364	29	percentage	percentage	NOUN
easat-3760	364	30	in	in	ADP
easat-3760	364	31	2023	2023	NUM
easat-3760	364	32	to	to	PART
easat-3760	364	33	be	be	AUX
easat-3760	364	34	in	in	ADP
easat-3760	364	35	the	the	DET
easat-3760	364	36	healthy	healthy	ADJ
easat-3760	364	37	category	category	NOUN
easat-3760	364	38	.	.	PUNCT
easat-3760	365	1	4	4	NUM
easat-3760	365	2	)	)	PUNCT
easat-3760	365	3	pt	pt	PROPN
easat-3760	365	4	.	.	PROPN
easat-3760	365	5	state	state	PROPN
easat-3760	365	6	savings	savings	PROPN
easat-3760	365	7	bank	bank	PROPN
easat-3760	365	8	(	(	PUNCT
easat-3760	365	9	persero	persero	PROPN
easat-3760	365	10	)	)	PUNCT
easat-3760	365	11	,	,	PUNCT
easat-3760	365	12	tbk	tbk	PROPN
easat-3760	365	13	pt	pt	PROPN
easat-3760	365	14	.	.	PROPN
easat-3760	365	15	bank	bank	PROPN
easat-3760	365	16	tabungan	tabungan	VERB
easat-3760	365	17	negara	negara	PROPN
easat-3760	365	18	(	(	PUNCT
easat-3760	365	19	persero	persero	PROPN
easat-3760	365	20	)	)	PUNCT
easat-3760	365	21	,	,	PUNCT
easat-3760	365	22	tbk	tbk	PROPN
easat-3760	365	23	experienced	experience	VERB
easat-3760	365	24	a	a	DET
easat-3760	365	25	periodic	periodic	ADJ
easat-3760	365	26	decline	decline	NOUN
easat-3760	365	27	during	during	ADP
easat-3760	365	28	the	the	DET
easat-3760	365	29	2022	2022	NUM
easat-3760	365	30	-	-	SYM
easat-3760	365	31	2023	2023	NUM
easat-3760	365	32	period	period	NOUN
easat-3760	365	33	and	and	CCONJ
easat-3760	365	34	was	be	AUX
easat-3760	365	35	in	in	ADP
easat-3760	365	36	the	the	DET
easat-3760	365	37	healthy	healthy	ADJ
easat-3760	365	38	category	category	NOUN
easat-3760	365	39	.	.	PUNCT
easat-3760	366	1	4.3	4.3	NUM
easat-3760	366	2	.	.	PUNCT
easat-3760	366	3	discussion	discussion	NOUN
easat-3760	366	4	4.3.1	4.3.1	NUM
easat-3760	366	5	.	.	PUNCT
easat-3760	366	6	comparison	comparison	NOUN
easat-3760	366	7	of	of	ADP
easat-3760	366	8	state	state	NOUN
easat-3760	366	9	-	-	PUNCT
easat-3760	366	10	owned	own	VERB
easat-3760	366	11	bank	bank	NOUN
easat-3760	366	12	financial	financial	ADJ
easat-3760	366	13	performance	performance	NOUN
easat-3760	366	14	during	during	ADP
easat-3760	366	15	and	and	CCONJ
easat-3760	366	16	after	after	ADP
easat-3760	366	17	the	the	DET
easat-3760	366	18	covid-19	covid-19	PROPN
easat-3760	366	19	pandemic	pandemic	NOUN
easat-3760	366	20	for	for	ADP
easat-3760	366	21	the	the	DET
easat-3760	366	22	2020	2020	NUM
easat-3760	366	23	-	-	SYM
easat-3760	366	24	2023	2023	NUM
easat-3760	366	25	period	period	NOUN
easat-3760	366	26	based	base	VERB
easat-3760	366	27	on	on	ADP
easat-3760	366	28	the	the	DET
easat-3760	366	29	liquidity	liquidity	NOUN
easat-3760	366	30	ratio	ratio	NOUN
easat-3760	366	31	from	from	ADP
easat-3760	366	32	the	the	DET
easat-3760	366	33	research	research	NOUN
easat-3760	366	34	results	result	NOUN
easat-3760	366	35	,	,	PUNCT
easat-3760	366	36	it	it	PRON
easat-3760	366	37	is	be	AUX
easat-3760	366	38	known	know	VERB
easat-3760	366	39	that	that	SCONJ
easat-3760	366	40	pt	pt	PROPN
easat-3760	366	41	.	.	PROPN
easat-3760	366	42	bank	bank	PROPN
easat-3760	366	43	tabungan	tabungan	VERB
easat-3760	366	44	negara	negara	PROPN
easat-3760	366	45	(	(	PUNCT
easat-3760	366	46	persero	persero	PROPN
easat-3760	366	47	)	)	PUNCT
easat-3760	366	48	,	,	PUNCT
easat-3760	366	49	tbk	tbk	PROPN
easat-3760	366	50	is	be	AUX
easat-3760	366	51	the	the	DET
easat-3760	366	52	only	only	ADJ
easat-3760	366	53	state	state	NOUN
easat-3760	366	54	-	-	PUNCT
easat-3760	366	55	owned	own	VERB
easat-3760	366	56	bank	bank	NOUN
easat-3760	366	57	that	that	PRON
easat-3760	366	58	obtained	obtain	VERB
easat-3760	366	59	a	a	DET
easat-3760	366	60	less	less	ADJ
easat-3760	366	61	than	than	ADP
easat-3760	366	62	good	good	ADJ
easat-3760	366	63	ldr	ldr	NOUN
easat-3760	366	64	due	due	ADP
easat-3760	366	65	to	to	ADP
easat-3760	366	66	the	the	DET
easat-3760	366	67	total	total	ADJ
easat-3760	366	68	credit	credit	NOUN
easat-3760	366	69	given	give	VERB
easat-3760	366	70	being	be	AUX
easat-3760	366	71	too	too	ADV
easat-3760	366	72	large	large	ADJ
easat-3760	366	73	when	when	SCONJ
easat-3760	366	74	compared	compare	VERB
easat-3760	366	75	to	to	ADP
easat-3760	366	76	the	the	DET
easat-3760	366	77	total	total	ADJ
easat-3760	366	78	third	third	ADJ
easat-3760	366	79	party	party	NOUN
easat-3760	366	80	funds	fund	NOUN
easat-3760	366	81	.	.	PUNCT
easat-3760	367	1	so	so	SCONJ
easat-3760	367	2	that	that	SCONJ
easat-3760	367	3	in	in	ADP
easat-3760	367	4	that	that	DET
easat-3760	367	5	year	year	NOUN
easat-3760	367	6	,	,	PUNCT
easat-3760	367	7	btn	btn	NOUN
easat-3760	367	8	bank	bank	NOUN
easat-3760	367	9	was	be	AUX
easat-3760	367	10	not	not	PART
easat-3760	367	11	liquid	liquid	ADJ
easat-3760	367	12	,	,	PUNCT
easat-3760	367	13	as	as	ADP
easat-3760	367	14	a	a	DET
easat-3760	367	15	result	result	NOUN
easat-3760	367	16	,	,	PUNCT
easat-3760	367	17	btn	btn	NOUN
easat-3760	367	18	bank	bank	NOUN
easat-3760	367	19	did	do	AUX
easat-3760	367	20	not	not	PART
easat-3760	367	21	have	have	VERB
easat-3760	367	22	sufficient	sufficient	ADJ
easat-3760	367	23	resources	resource	NOUN
easat-3760	367	24	to	to	PART
easat-3760	367	25	finance	finance	VERB
easat-3760	367	26	its	its	PRON
easat-3760	367	27	short	short	ADJ
easat-3760	367	28	-	-	PUNCT
easat-3760	367	29	term	term	NOUN
easat-3760	367	30	debt	debt	NOUN
easat-3760	367	31	in	in	ADP
easat-3760	367	32	2020	2020	NUM
easat-3760	367	33	and	and	CCONJ
easat-3760	367	34	2021	2021	NUM
easat-3760	367	35	.	.	PUNCT
easat-3760	368	1	however	however	ADV
easat-3760	368	2	,	,	PUNCT
easat-3760	368	3	btn	btn	NOUN
easat-3760	368	4	bank	bank	NOUN
easat-3760	368	5	managed	manage	VERB
easat-3760	368	6	to	to	PART
easat-3760	368	7	become	become	VERB
easat-3760	368	8	liquid	liquid	ADJ
easat-3760	368	9	in	in	ADP
easat-3760	368	10	2022	2022	NUM
easat-3760	368	11	and	and	CCONJ
easat-3760	368	12	2023	2023	NUM
easat-3760	368	13	,	,	PUNCT
easat-3760	368	14	which	which	PRON
easat-3760	368	15	means	mean	VERB
easat-3760	368	16	that	that	SCONJ
easat-3760	368	17	this	this	DET
easat-3760	368	18	bank	bank	NOUN
easat-3760	368	19	has	have	VERB
easat-3760	368	20	sufficient	sufficient	ADJ
easat-3760	368	21	resources	resource	NOUN
easat-3760	368	22	to	to	PART
easat-3760	368	23	finance	finance	VERB
easat-3760	368	24	its	its	PRON
easat-3760	368	25	short	short	ADJ
easat-3760	368	26	-	-	PUNCT
easat-3760	368	27	term	term	NOUN
easat-3760	368	28	debt	debt	NOUN
easat-3760	368	29	.	.	PUNCT
easat-3760	369	1	meanwhile	meanwhile	ADV
easat-3760	369	2	,	,	PUNCT
easat-3760	369	3	the	the	DET
easat-3760	369	4	other	other	ADJ
easat-3760	369	5	three	three	NUM
easat-3760	369	6	state	state	NOUN
easat-3760	369	7	-	-	PUNCT
easat-3760	369	8	owned	own	VERB
easat-3760	369	9	banks	bank	NOUN
easat-3760	369	10	,	,	PUNCT
easat-3760	369	11	namely	namely	ADV
easat-3760	369	12	pt	pt	PROPN
easat-3760	369	13	.	.	PROPN
easat-3760	369	14	bank	bank	PROPN
easat-3760	369	15	mandiri	mandiri	NOUN
easat-3760	369	16	(	(	PUNCT
easat-3760	369	17	persero	persero	NOUN
easat-3760	369	18	)	)	PUNCT
easat-3760	369	19	,	,	PUNCT
easat-3760	369	20	tbk	tbk	PROPN
easat-3760	369	21	,	,	PUNCT
easat-3760	369	22	pt	pt	PROPN
easat-3760	369	23	.	.	PROPN
easat-3760	369	24	bank	bank	PROPN
easat-3760	369	25	rakyat	rakyat	PROPN
easat-3760	369	26	indonesia	indonesia	PROPN
easat-3760	369	27	(	(	PUNCT
easat-3760	369	28	persero	persero	PROPN
easat-3760	369	29	)	)	PUNCT
easat-3760	369	30	,	,	PUNCT
easat-3760	369	31	tbk	tbk	NOUN
easat-3760	369	32	,	,	PUNCT
easat-3760	369	33	and	and	CCONJ
easat-3760	369	34	pt	pt	PROPN
easat-3760	369	35	.	.	PROPN
easat-3760	369	36	bank	bank	PROPN
easat-3760	369	37	negara	negara	PROPN
easat-3760	369	38	indonesia	indonesia	PROPN
easat-3760	369	39	(	(	PUNCT
easat-3760	369	40	persero	persero	PROPN
easat-3760	369	41	)	)	PUNCT
easat-3760	369	42	,	,	PUNCT
easat-3760	369	43	tbk	tbk	PROPN
easat-3760	369	44	experienced	experience	VERB
easat-3760	369	45	liquidity	liquidity	NOUN
easat-3760	369	46	in	in	ADP
easat-3760	369	47	the	the	DET
easat-3760	369	48	2020	2020	NUM
easat-3760	369	49	-	-	SYM
easat-3760	369	50	2023	2023	NUM
easat-3760	369	51	period	period	NOUN
easat-3760	369	52	.	.	PUNCT
easat-3760	370	1	this	this	PRON
easat-3760	370	2	means	mean	VERB
easat-3760	370	3	that	that	SCONJ
easat-3760	370	4	the	the	DET
easat-3760	370	5	financial	financial	ADJ
easat-3760	370	6	performance	performance	NOUN
easat-3760	370	7	of	of	ADP
easat-3760	370	8	the	the	DET
easat-3760	370	9	banks	bank	NOUN
easat-3760	370	10	mentioned	mention	VERB
easat-3760	370	11	had	have	VERB
easat-3760	370	12	good	good	ADJ
easat-3760	370	13	performance	performance	NOUN
easat-3760	370	14	during	during	ADP
easat-3760	370	15	the	the	DET
easat-3760	370	16	2020	2020	NUM
easat-3760	370	17	-	-	SYM
easat-3760	370	18	2023	2023	NUM
easat-3760	370	19	period	period	NOUN
easat-3760	370	20	.	.	PUNCT
easat-3760	371	1	these	these	DET
easat-3760	371	2	three	three	NUM
easat-3760	371	3	state	state	NOUN
easat-3760	371	4	-	-	PUNCT
easat-3760	371	5	owned	own	VERB
easat-3760	371	6	banks	bank	NOUN
easat-3760	371	7	have	have	VERB
easat-3760	371	8	sufficient	sufficient	ADJ
easat-3760	371	9	resources	resource	NOUN
easat-3760	371	10	to	to	PART
easat-3760	371	11	finance	finance	VERB
easat-3760	371	12	their	their	PRON
easat-3760	371	13	short	short	ADJ
easat-3760	371	14	-	-	PUNCT
easat-3760	371	15	term	term	NOUN
easat-3760	371	16	debts	debt	NOUN
easat-3760	371	17	.	.	PUNCT
easat-3760	372	1	4.3.2	4.3.2	X
easat-3760	372	2	.	.	PUNCT
easat-3760	373	1	financial	financial	ADJ
easat-3760	373	2	performance	performance	NOUN
easat-3760	373	3	of	of	ADP
easat-3760	373	4	state	state	NOUN
easat-3760	373	5	-	-	PUNCT
easat-3760	373	6	owned	own	VERB
easat-3760	373	7	banks	bank	NOUN
easat-3760	373	8	for	for	ADP
easat-3760	373	9	the	the	DET
easat-3760	373	10	period	period	NOUN
easat-3760	373	11	2020	2020	NUM
easat-3760	373	12	-	-	SYM
easat-3760	373	13	2023	2023	NUM
easat-3760	373	14	reviewed	review	VERB
easat-3760	373	15	from	from	ADP
easat-3760	373	16	the	the	DET
easat-3760	373	17	solvency	solvency	NOUN
easat-3760	373	18	ratio	ratio	NOUN
easat-3760	373	19	the	the	DET
easat-3760	373	20	highest	high	ADJ
easat-3760	373	21	car	car	NOUN
easat-3760	373	22	was	be	AUX
easat-3760	373	23	achieved	achieve	VERB
easat-3760	373	24	by	by	ADP
easat-3760	373	25	bri	bri	NOUN
easat-3760	373	26	in	in	ADP
easat-3760	373	27	2021	2021	NUM
easat-3760	373	28	with	with	ADP
easat-3760	373	29	a	a	DET
easat-3760	373	30	percentage	percentage	NOUN
easat-3760	373	31	of	of	ADP
easat-3760	373	32	26.2	26.2	NUM
easat-3760	373	33	%	%	NOUN
easat-3760	373	34	,	,	PUNCT
easat-3760	373	35	while	while	SCONJ
easat-3760	373	36	the	the	DET
easat-3760	373	37	lowest	low	ADJ
easat-3760	373	38	car	car	NOUN
easat-3760	373	39	was	be	AUX
easat-3760	373	40	achieved	achieve	VERB
easat-3760	373	41	by	by	ADP
easat-3760	373	42	btn	btn	NOUN
easat-3760	373	43	in	in	ADP
easat-3760	373	44	2020	2020	NUM
easat-3760	373	45	with	with	ADP
easat-3760	373	46	a	a	DET
easat-3760	373	47	percentage	percentage	NOUN
easat-3760	373	48	of	of	ADP
easat-3760	373	49	13.6	13.6	NUM
easat-3760	373	50	%	%	NOUN
easat-3760	373	51	.	.	PUNCT
easat-3760	374	1	8187	8187	NUM
easat-3760	374	2	edelweiss	edelweiss	PROPN
easat-3760	374	3	applied	apply	VERB
easat-3760	374	4	science	science	NOUN
easat-3760	374	5	and	and	CCONJ
easat-3760	374	6	technology	technology	NOUN
easat-3760	374	7	issn	issn	PROPN
easat-3760	374	8	:	:	PUNCT
easat-3760	374	9	2576	2576	NUM
easat-3760	374	10	-	-	SYM
easat-3760	374	11	8484	8484	NUM
easat-3760	374	12	vol	vol	NOUN
easat-3760	374	13	.	.	PROPN
easat-3760	374	14	8	8	NUM
easat-3760	374	15	,	,	PUNCT
easat-3760	374	16	no	no	INTJ
easat-3760	374	17	.	.	NOUN
easat-3760	375	1	6	6	NUM
easat-3760	375	2	:	:	SYM
easat-3760	375	3	8168	8168	NUM
easat-3760	375	4	-	-	SYM
easat-3760	375	5	8188	8188	NUM
easat-3760	375	6	,	,	PUNCT
easat-3760	375	7	2024	2024	NUM
easat-3760	375	8	doi	doi	NOUN
easat-3760	375	9	:	:	PUNCT
easat-3760	375	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	375	11	©	©	PROPN
easat-3760	375	12	2024	2024	NUM
easat-3760	375	13	by	by	ADP
easat-3760	375	14	the	the	DET
easat-3760	375	15	authors	author	NOUN
easat-3760	375	16	;	;	PUNCT
easat-3760	375	17	licensee	licensee	PROPN
easat-3760	375	18	learning	learning	NOUN
easat-3760	375	19	gate	gate	VERB
easat-3760	375	20	the	the	DET
easat-3760	375	21	car	car	NOUN
easat-3760	375	22	percentage	percentage	NOUN
easat-3760	375	23	depends	depend	VERB
easat-3760	375	24	on	on	ADP
easat-3760	375	25	the	the	DET
easat-3760	375	26	comparison	comparison	NOUN
easat-3760	375	27	between	between	ADP
easat-3760	375	28	the	the	DET
easat-3760	375	29	core	core	NOUN
easat-3760	375	30	capital	capital	NOUN
easat-3760	375	31	owned	own	VERB
easat-3760	375	32	by	by	ADP
easat-3760	375	33	a	a	DET
easat-3760	375	34	bank	bank	NOUN
easat-3760	375	35	and	and	CCONJ
easat-3760	375	36	the	the	DET
easat-3760	375	37	atmr	atmr	PROPN
easat-3760	375	38	owned	own	VERB
easat-3760	375	39	.	.	PUNCT
easat-3760	376	1	the	the	PRON
easat-3760	376	2	higher	high	ADJ
easat-3760	376	3	the	the	DET
easat-3760	376	4	car	car	NOUN
easat-3760	376	5	percentage	percentage	NOUN
easat-3760	376	6	,	,	PUNCT
easat-3760	376	7	the	the	DET
easat-3760	376	8	better	well	ADJ
easat-3760	376	9	,	,	PUNCT
easat-3760	376	10	meaning	mean	VERB
easat-3760	376	11	that	that	SCONJ
easat-3760	376	12	the	the	DET
easat-3760	376	13	bank	bank	NOUN
easat-3760	376	14	has	have	VERB
easat-3760	376	15	sufficient	sufficient	ADJ
easat-3760	376	16	capital	capital	NOUN
easat-3760	376	17	to	to	PART
easat-3760	376	18	support	support	VERB
easat-3760	376	19	its	its	PRON
easat-3760	376	20	assets	asset	NOUN
easat-3760	376	21	that	that	PRON
easat-3760	376	22	contain	contain	VERB
easat-3760	376	23	various	various	ADJ
easat-3760	376	24	risks	risk	NOUN
easat-3760	376	25	.	.	PUNCT
easat-3760	377	1	4.3.3	4.3.3	X
easat-3760	377	2	.	.	PUNCT
easat-3760	377	3	financial	financial	ADJ
easat-3760	377	4	performance	performance	NOUN
easat-3760	377	5	of	of	ADP
easat-3760	377	6	state	state	NOUN
easat-3760	377	7	-	-	PUNCT
easat-3760	377	8	owned	own	VERB
easat-3760	377	9	banks	bank	NOUN
easat-3760	377	10	for	for	ADP
easat-3760	377	11	the	the	DET
easat-3760	377	12	2020	2020	NUM
easat-3760	377	13	-	-	SYM
easat-3760	377	14	2023	2023	NUM
easat-3760	377	15	period	period	NOUN
easat-3760	377	16	reviewed	review	VERB
easat-3760	377	17	from	from	ADP
easat-3760	377	18	profitability	profitability	NOUN
easat-3760	377	19	ratios	ratio	NOUN
easat-3760	377	20	in	in	ADP
easat-3760	377	21	this	this	DET
easat-3760	377	22	study	study	NOUN
easat-3760	377	23	,	,	PUNCT
easat-3760	377	24	profitability	profitability	NOUN
easat-3760	377	25	ratios	ratio	NOUN
easat-3760	377	26	were	be	AUX
easat-3760	377	27	analyzed	analyze	VERB
easat-3760	377	28	using	use	VERB
easat-3760	377	29	roa	roa	PROPN
easat-3760	377	30	,	,	PUNCT
easat-3760	377	31	roe	roe	NOUN
easat-3760	377	32	,	,	PUNCT
easat-3760	377	33	bopo	bopo	PROPN
easat-3760	377	34	,	,	PUNCT
easat-3760	377	35	and	and	CCONJ
easat-3760	377	36	nim	nim	PROPN
easat-3760	377	37	.	.	PUNCT
easat-3760	378	1	4.3.3.1	4.3.3.1	X
easat-3760	378	2	.	.	PUNCT
easat-3760	378	3	return	return	NOUN
easat-3760	378	4	on	on	ADP
easat-3760	378	5	assets	asset	NOUN
easat-3760	378	6	(	(	PUNCT
easat-3760	378	7	roa	roa	NOUN
easat-3760	378	8	)	)	PUNCT
easat-3760	378	9	in	in	ADP
easat-3760	378	10	2020	2020	NUM
easat-3760	378	11	,	,	PUNCT
easat-3760	378	12	the	the	DET
easat-3760	378	13	three	three	NUM
easat-3760	378	14	state	state	NOUN
easat-3760	378	15	-	-	PUNCT
easat-3760	378	16	owned	own	VERB
easat-3760	378	17	banks	bank	NOUN
easat-3760	378	18	,	,	PUNCT
easat-3760	378	19	namely	namely	ADV
easat-3760	378	20	bank	bank	NOUN
easat-3760	378	21	mandiri	mandiri	NOUN
easat-3760	378	22	,	,	PUNCT
easat-3760	378	23	bni	bni	PROPN
easat-3760	378	24	,	,	PUNCT
easat-3760	378	25	and	and	CCONJ
easat-3760	378	26	bri	bri	NOUN
easat-3760	378	27	,	,	PUNCT
easat-3760	378	28	experienced	experience	VERB
easat-3760	378	29	a	a	DET
easat-3760	378	30	decline	decline	NOUN
easat-3760	378	31	in	in	ADP
easat-3760	378	32	roa	roa	PROPN
easat-3760	378	33	percentage	percentage	NOUN
easat-3760	378	34	due	due	ADP
easat-3760	378	35	to	to	ADP
easat-3760	378	36	the	the	DET
easat-3760	378	37	economic	economic	ADJ
easat-3760	378	38	conditions	condition	NOUN
easat-3760	378	39	that	that	PRON
easat-3760	378	40	fell	fall	VERB
easat-3760	378	41	as	as	ADP
easat-3760	378	42	a	a	DET
easat-3760	378	43	result	result	NOUN
easat-3760	378	44	of	of	ADP
easat-3760	378	45	covid-19	covid-19	PROPN
easat-3760	378	46	.	.	PUNCT
easat-3760	379	1	the	the	DET
easat-3760	379	2	impact	impact	NOUN
easat-3760	379	3	of	of	ADP
easat-3760	379	4	covid19	covid19	NOUN
easat-3760	379	5	caused	cause	VERB
easat-3760	379	6	the	the	DET
easat-3760	379	7	three	three	NUM
easat-3760	379	8	banks	bank	NOUN
easat-3760	379	9	to	to	PART
easat-3760	379	10	have	have	VERB
easat-3760	379	11	to	to	PART
easat-3760	379	12	form	form	VERB
easat-3760	379	13	a	a	DET
easat-3760	379	14	large	large	ADJ
easat-3760	379	15	loss	loss	NOUN
easat-3760	379	16	reserve	reserve	NOUN
easat-3760	379	17	,	,	PUNCT
easat-3760	379	18	as	as	ADP
easat-3760	379	19	a	a	DET
easat-3760	379	20	result	result	NOUN
easat-3760	379	21	the	the	DET
easat-3760	379	22	burden	burden	NOUN
easat-3760	379	23	borne	bear	VERB
easat-3760	379	24	became	become	VERB
easat-3760	379	25	even	even	ADV
easat-3760	379	26	greater	great	ADJ
easat-3760	379	27	and	and	CCONJ
easat-3760	379	28	resulted	result	VERB
easat-3760	379	29	in	in	ADP
easat-3760	379	30	a	a	DET
easat-3760	379	31	drastic	drastic	ADJ
easat-3760	379	32	decline	decline	NOUN
easat-3760	379	33	in	in	ADP
easat-3760	379	34	profit	profit	NOUN
easat-3760	379	35	before	before	ADP
easat-3760	379	36	tax	tax	NOUN
easat-3760	379	37	.	.	PUNCT
easat-3760	380	1	among	among	ADP
easat-3760	380	2	the	the	DET
easat-3760	380	3	three	three	NUM
easat-3760	380	4	banks	bank	NOUN
easat-3760	380	5	,	,	PUNCT
easat-3760	380	6	bni	bni	PROPN
easat-3760	380	7	experienced	experience	VERB
easat-3760	380	8	a	a	DET
easat-3760	380	9	drastic	drastic	ADJ
easat-3760	380	10	decline	decline	NOUN
easat-3760	380	11	because	because	SCONJ
easat-3760	380	12	the	the	DET
easat-3760	380	13	burden	burden	NOUN
easat-3760	380	14	of	of	ADP
easat-3760	380	15	the	the	DET
easat-3760	380	16	loss	loss	NOUN
easat-3760	380	17	reserve	reserve	NOUN
easat-3760	380	18	formed	form	VERB
easat-3760	380	19	was	be	AUX
easat-3760	380	20	greater	great	ADJ
easat-3760	380	21	than	than	ADP
easat-3760	380	22	that	that	PRON
easat-3760	380	23	of	of	ADP
easat-3760	380	24	bank	bank	NOUN
easat-3760	380	25	mandiri	mandiri	NOUN
easat-3760	380	26	and	and	CCONJ
easat-3760	380	27	bri	bri	NOUN
easat-3760	380	28	.	.	PUNCT
easat-3760	381	1	4.3.3.2	4.3.3.2	X
easat-3760	381	2	.	.	X
easat-3760	381	3	return	return	NOUN
easat-3760	381	4	on	on	ADP
easat-3760	381	5	equity	equity	NOUN
easat-3760	381	6	(	(	PUNCT
easat-3760	381	7	roe	roe	PROPN
easat-3760	381	8	)	)	PUNCT
easat-3760	381	9	in	in	ADP
easat-3760	381	10	2020	2020	NUM
easat-3760	381	11	,	,	PUNCT
easat-3760	381	12	the	the	DET
easat-3760	381	13	three	three	NUM
easat-3760	381	14	state	state	NOUN
easat-3760	381	15	-	-	PUNCT
easat-3760	381	16	owned	own	VERB
easat-3760	381	17	banks	bank	NOUN
easat-3760	381	18	,	,	PUNCT
easat-3760	381	19	namely	namely	ADV
easat-3760	381	20	bank	bank	NOUN
easat-3760	381	21	mandiri	mandiri	NOUN
easat-3760	381	22	,	,	PUNCT
easat-3760	381	23	bni	bni	PROPN
easat-3760	381	24	,	,	PUNCT
easat-3760	381	25	and	and	CCONJ
easat-3760	381	26	bri	bri	NOUN
easat-3760	381	27	,	,	PUNCT
easat-3760	381	28	experienced	experience	VERB
easat-3760	381	29	a	a	DET
easat-3760	381	30	decline	decline	NOUN
easat-3760	381	31	in	in	ADP
easat-3760	381	32	roe	roe	NOUN
easat-3760	381	33	percentage	percentage	NOUN
easat-3760	381	34	due	due	ADP
easat-3760	381	35	to	to	ADP
easat-3760	381	36	the	the	DET
easat-3760	381	37	economic	economic	ADJ
easat-3760	381	38	conditions	condition	NOUN
easat-3760	381	39	that	that	PRON
easat-3760	381	40	fell	fall	VERB
easat-3760	381	41	as	as	ADP
easat-3760	381	42	a	a	DET
easat-3760	381	43	result	result	NOUN
easat-3760	381	44	of	of	ADP
easat-3760	381	45	covid-19	covid-19	PROPN
easat-3760	381	46	.	.	PUNCT
easat-3760	382	1	the	the	DET
easat-3760	382	2	impact	impact	NOUN
easat-3760	382	3	of	of	ADP
easat-3760	382	4	covid19	covid19	NOUN
easat-3760	382	5	caused	cause	VERB
easat-3760	382	6	the	the	DET
easat-3760	382	7	three	three	NUM
easat-3760	382	8	banks	bank	NOUN
easat-3760	382	9	to	to	PART
easat-3760	382	10	have	have	VERB
easat-3760	382	11	to	to	PART
easat-3760	382	12	form	form	VERB
easat-3760	382	13	a	a	DET
easat-3760	382	14	large	large	ADJ
easat-3760	382	15	loss	loss	NOUN
easat-3760	382	16	reserve	reserve	NOUN
easat-3760	382	17	,	,	PUNCT
easat-3760	382	18	as	as	ADP
easat-3760	382	19	a	a	DET
easat-3760	382	20	result	result	NOUN
easat-3760	382	21	the	the	DET
easat-3760	382	22	burden	burden	NOUN
easat-3760	382	23	borne	bear	VERB
easat-3760	382	24	became	become	VERB
easat-3760	382	25	even	even	ADV
easat-3760	382	26	greater	great	ADJ
easat-3760	382	27	and	and	CCONJ
easat-3760	382	28	resulted	result	VERB
easat-3760	382	29	in	in	ADP
easat-3760	382	30	a	a	DET
easat-3760	382	31	drastic	drastic	ADJ
easat-3760	382	32	decline	decline	NOUN
easat-3760	382	33	in	in	ADP
easat-3760	382	34	net	net	ADJ
easat-3760	382	35	profit	profit	NOUN
easat-3760	382	36	.	.	PUNCT
easat-3760	383	1	among	among	ADP
easat-3760	383	2	the	the	DET
easat-3760	383	3	three	three	NUM
easat-3760	383	4	banks	bank	NOUN
easat-3760	383	5	,	,	PUNCT
easat-3760	383	6	bni	bni	PROPN
easat-3760	383	7	experienced	experience	VERB
easat-3760	383	8	a	a	DET
easat-3760	383	9	drastic	drastic	ADJ
easat-3760	383	10	decline	decline	NOUN
easat-3760	383	11	because	because	SCONJ
easat-3760	383	12	the	the	DET
easat-3760	383	13	burden	burden	NOUN
easat-3760	383	14	of	of	ADP
easat-3760	383	15	loss	loss	NOUN
easat-3760	383	16	reserves	reserve	NOUN
easat-3760	383	17	formed	form	VERB
easat-3760	383	18	was	be	AUX
easat-3760	383	19	greater	great	ADJ
easat-3760	383	20	than	than	ADP
easat-3760	383	21	that	that	PRON
easat-3760	383	22	of	of	ADP
easat-3760	383	23	bank	bank	NOUN
easat-3760	383	24	mandiri	mandiri	NOUN
easat-3760	383	25	and	and	CCONJ
easat-3760	383	26	bri	bri	NOUN
easat-3760	383	27	.	.	PUNCT
easat-3760	384	1	4.3.3.3	4.3.3.3	NUM
easat-3760	384	2	.	.	PUNCT
easat-3760	384	3	bopo	bopo	NOUN
easat-3760	384	4	in	in	ADP
easat-3760	384	5	2020	2020	NUM
easat-3760	384	6	,	,	PUNCT
easat-3760	384	7	2021	2021	NUM
easat-3760	384	8	,	,	PUNCT
easat-3760	384	9	2022	2022	NUM
easat-3760	384	10	,	,	PUNCT
easat-3760	384	11	2023	2023	NUM
easat-3760	384	12	btn	btn	NOUN
easat-3760	384	13	achieved	achieve	VERB
easat-3760	384	14	a	a	DET
easat-3760	384	15	bopo	bopo	NOUN
easat-3760	384	16	ratio	ratio	NOUN
easat-3760	384	17	below	below	ADP
easat-3760	384	18	the	the	DET
easat-3760	384	19	specified	specify	VERB
easat-3760	384	20	standard	standard	NOUN
easat-3760	384	21	so	so	SCONJ
easat-3760	384	22	that	that	SCONJ
easat-3760	384	23	it	it	PRON
easat-3760	384	24	can	can	AUX
easat-3760	384	25	be	be	AUX
easat-3760	384	26	said	say	VERB
easat-3760	384	27	that	that	SCONJ
easat-3760	384	28	this	this	DET
easat-3760	384	29	bank	bank	NOUN
easat-3760	384	30	is	be	AUX
easat-3760	384	31	less	less	ADV
easat-3760	384	32	able	able	ADJ
easat-3760	384	33	to	to	PART
easat-3760	384	34	carry	carry	VERB
easat-3760	384	35	out	out	ADP
easat-3760	384	36	its	its	PRON
easat-3760	384	37	operational	operational	ADJ
easat-3760	384	38	activities	activity	NOUN
easat-3760	384	39	in	in	ADP
easat-3760	384	40	those	those	DET
easat-3760	384	41	years	year	NOUN
easat-3760	384	42	.	.	PUNCT
easat-3760	385	1	meanwhile	meanwhile	ADV
easat-3760	385	2	,	,	PUNCT
easat-3760	385	3	the	the	DET
easat-3760	385	4	three	three	NUM
easat-3760	385	5	state	state	NOUN
easat-3760	385	6	-	-	PUNCT
easat-3760	385	7	owned	own	VERB
easat-3760	385	8	banks	bank	NOUN
easat-3760	385	9	,	,	PUNCT
easat-3760	385	10	namely	namely	ADV
easat-3760	385	11	bank	bank	NOUN
easat-3760	385	12	mandiri	mandiri	NOUN
easat-3760	385	13	,	,	PUNCT
easat-3760	385	14	bri	bri	NOUN
easat-3760	385	15	,	,	PUNCT
easat-3760	385	16	and	and	CCONJ
easat-3760	385	17	bni	bni	PROPN
easat-3760	385	18	,	,	PUNCT
easat-3760	385	19	obtained	obtain	VERB
easat-3760	385	20	the	the	DET
easat-3760	385	21	bopo	bopo	PROPN
easat-3760	385	22	ratio	ratio	NOUN
easat-3760	385	23	standard	standard	NOUN
easat-3760	385	24	according	accord	VERB
easat-3760	385	25	to	to	ADP
easat-3760	385	26	the	the	DET
easat-3760	385	27	provisions	provision	NOUN
easat-3760	385	28	so	so	SCONJ
easat-3760	385	29	that	that	SCONJ
easat-3760	385	30	they	they	PRON
easat-3760	385	31	were	be	AUX
easat-3760	385	32	able	able	ADJ
easat-3760	385	33	to	to	PART
easat-3760	385	34	carry	carry	VERB
easat-3760	385	35	out	out	ADP
easat-3760	385	36	their	their	PRON
easat-3760	385	37	operational	operational	ADJ
easat-3760	385	38	activities	activity	NOUN
easat-3760	385	39	well	well	ADV
easat-3760	385	40	during	during	ADP
easat-3760	385	41	the	the	DET
easat-3760	385	42	2020	2020	NUM
easat-3760	385	43	-	-	SYM
easat-3760	385	44	2023	2023	NUM
easat-3760	385	45	period	period	NOUN
easat-3760	385	46	.	.	PUNCT
easat-3760	386	1	4.3.4	4.3.4	X
easat-3760	386	2	.	.	PUNCT
easat-3760	387	1	net	net	ADJ
easat-3760	387	2	interest	interest	NOUN
easat-3760	387	3	margin	margin	NOUN
easat-3760	387	4	(	(	PUNCT
easat-3760	387	5	nim	nim	NOUN
easat-3760	387	6	)	)	PUNCT
easat-3760	387	7	this	this	DET
easat-3760	387	8	nim	nim	PROPN
easat-3760	387	9	percentage	percentage	NOUN
easat-3760	387	10	depends	depend	VERB
easat-3760	387	11	on	on	ADP
easat-3760	387	12	the	the	DET
easat-3760	387	13	comparison	comparison	NOUN
easat-3760	387	14	between	between	ADP
easat-3760	387	15	the	the	DET
easat-3760	387	16	net	net	ADJ
easat-3760	387	17	interest	interest	NOUN
easat-3760	387	18	income	income	NOUN
easat-3760	387	19	obtained	obtain	VERB
easat-3760	387	20	by	by	ADP
easat-3760	387	21	banks	bank	NOUN
easat-3760	387	22	with	with	ADP
easat-3760	387	23	the	the	DET
easat-3760	387	24	productive	productive	ADJ
easat-3760	387	25	assets	asset	NOUN
easat-3760	387	26	they	they	PRON
easat-3760	387	27	own	own	VERB
easat-3760	387	28	.	.	PUNCT
easat-3760	388	1	the	the	PRON
easat-3760	388	2	higher	high	ADJ
easat-3760	388	3	the	the	DET
easat-3760	388	4	value	value	NOUN
easat-3760	388	5	of	of	ADP
easat-3760	388	6	this	this	DET
easat-3760	388	7	ratio	ratio	NOUN
easat-3760	388	8	,	,	PUNCT
easat-3760	388	9	the	the	PRON
easat-3760	388	10	better	well	ADJ
easat-3760	388	11	,	,	PUNCT
easat-3760	388	12	this	this	PRON
easat-3760	388	13	means	mean	VERB
easat-3760	388	14	that	that	SCONJ
easat-3760	388	15	banks	bank	NOUN
easat-3760	388	16	can	can	AUX
easat-3760	388	17	generate	generate	VERB
easat-3760	388	18	net	net	ADJ
easat-3760	388	19	interest	interest	NOUN
easat-3760	388	20	income	income	NOUN
easat-3760	388	21	optimally	optimally	ADV
easat-3760	388	22	and	and	CCONJ
easat-3760	388	23	maximally	maximally	ADV
easat-3760	388	24	.	.	PUNCT
easat-3760	389	1	4.3.5	4.3.5	X
easat-3760	389	2	.	.	PUNCT
easat-3760	390	1	financial	financial	ADJ
easat-3760	390	2	performance	performance	NOUN
easat-3760	390	3	of	of	ADP
easat-3760	390	4	state	state	NOUN
easat-3760	390	5	-	-	PUNCT
easat-3760	390	6	owned	own	VERB
easat-3760	390	7	banks	bank	NOUN
easat-3760	390	8	for	for	ADP
easat-3760	390	9	the	the	DET
easat-3760	390	10	period	period	NOUN
easat-3760	390	11	2020	2020	NUM
easat-3760	390	12	-	-	SYM
easat-3760	390	13	2023	2023	NUM
easat-3760	390	14	reviewed	review	VERB
easat-3760	390	15	from	from	ADP
easat-3760	390	16	the	the	DET
easat-3760	390	17	nonperforming	nonperforme	VERB
easat-3760	390	18	loan	loan	NOUN
easat-3760	390	19	(	(	PUNCT
easat-3760	390	20	npl	npl	NOUN
easat-3760	390	21	)	)	PUNCT
easat-3760	390	22	ratio	ratio	NOUN
easat-3760	390	23	the	the	DET
easat-3760	390	24	increase	increase	NOUN
easat-3760	390	25	and	and	CCONJ
easat-3760	390	26	decrease	decrease	NOUN
easat-3760	390	27	of	of	ADP
easat-3760	390	28	npl	npl	PROPN
easat-3760	390	29	depends	depend	VERB
easat-3760	390	30	on	on	ADP
easat-3760	390	31	the	the	DET
easat-3760	390	32	comparison	comparison	NOUN
easat-3760	390	33	between	between	ADP
easat-3760	390	34	non	non	ADJ
easat-3760	390	35	-	-	ADJ
easat-3760	390	36	performing	performing	ADJ
easat-3760	390	37	loans	loan	NOUN
easat-3760	390	38	and	and	CCONJ
easat-3760	390	39	total	total	ADJ
easat-3760	390	40	loans	loan	NOUN
easat-3760	390	41	given	give	VERB
easat-3760	390	42	.	.	PUNCT
easat-3760	391	1	the	the	DET
easat-3760	391	2	increase	increase	NOUN
easat-3760	391	3	and	and	CCONJ
easat-3760	391	4	decrease	decrease	NOUN
easat-3760	391	5	of	of	ADP
easat-3760	391	6	non	non	ADJ
easat-3760	391	7	-	-	ADJ
easat-3760	391	8	performing	performing	ADJ
easat-3760	391	9	loans	loan	NOUN
easat-3760	391	10	are	be	AUX
easat-3760	391	11	influenced	influence	VERB
easat-3760	391	12	by	by	ADP
easat-3760	391	13	various	various	ADJ
easat-3760	391	14	factors	factor	NOUN
easat-3760	391	15	,	,	PUNCT
easat-3760	391	16	one	one	NUM
easat-3760	391	17	of	of	ADP
easat-3760	391	18	which	which	PRON
easat-3760	391	19	is	be	AUX
easat-3760	391	20	the	the	DET
easat-3760	391	21	bankruptcy	bankruptcy	NOUN
easat-3760	391	22	of	of	ADP
easat-3760	391	23	debtors	debtor	NOUN
easat-3760	391	24	or	or	CCONJ
easat-3760	391	25	banks	bank	NOUN
easat-3760	391	26	that	that	PRON
easat-3760	391	27	are	be	AUX
easat-3760	391	28	not	not	PART
easat-3760	391	29	good	good	ADJ
easat-3760	391	30	at	at	ADP
easat-3760	391	31	managing	manage	VERB
easat-3760	391	32	credit	credit	NOUN
easat-3760	391	33	.	.	PUNCT
easat-3760	392	1	5	5	X
easat-3760	392	2	.	.	X
easat-3760	392	3	conclusion	conclusion	NOUN
easat-3760	392	4	based	base	VERB
easat-3760	392	5	on	on	ADP
easat-3760	392	6	the	the	DET
easat-3760	392	7	results	result	NOUN
easat-3760	392	8	of	of	ADP
easat-3760	392	9	research	research	NOUN
easat-3760	392	10	and	and	CCONJ
easat-3760	392	11	discussion	discussion	NOUN
easat-3760	392	12	to	to	PART
easat-3760	392	13	determine	determine	VERB
easat-3760	392	14	the	the	DET
easat-3760	392	15	financial	financial	ADJ
easat-3760	392	16	performance	performance	NOUN
easat-3760	392	17	of	of	ADP
easat-3760	392	18	stateowned	stateowne	VERB
easat-3760	392	19	banks	bank	NOUN
easat-3760	392	20	using	use	VERB
easat-3760	392	21	financial	financial	ADJ
easat-3760	392	22	ratios	ratio	NOUN
easat-3760	392	23	during	during	ADP
easat-3760	392	24	the	the	DET
easat-3760	392	25	pandemic	pandemic	ADJ
easat-3760	392	26	and	and	CCONJ
easat-3760	392	27	after	after	ADP
easat-3760	392	28	the	the	DET
easat-3760	392	29	pandemic	pandemic	NOUN
easat-3760	392	30	,	,	PUNCT
easat-3760	392	31	it	it	PRON
easat-3760	392	32	can	can	AUX
easat-3760	392	33	be	be	AUX
easat-3760	392	34	concluded	conclude	VERB
easat-3760	392	35	that	that	SCONJ
easat-3760	392	36	:	:	PUNCT
easat-3760	392	37	1	1	X
easat-3760	392	38	.	.	X
easat-3760	392	39	the	the	DET
easat-3760	392	40	financial	financial	ADJ
easat-3760	392	41	performance	performance	NOUN
easat-3760	392	42	of	of	ADP
easat-3760	392	43	state	state	NOUN
easat-3760	392	44	-	-	PUNCT
easat-3760	392	45	owned	own	VERB
easat-3760	392	46	banks	bank	NOUN
easat-3760	392	47	from	from	ADP
easat-3760	392	48	the	the	DET
easat-3760	392	49	liquidity	liquidity	NOUN
easat-3760	392	50	ratio	ratio	NOUN
easat-3760	392	51	during	during	ADP
easat-3760	392	52	the	the	DET
easat-3760	392	53	pandemic	pandemic	ADJ
easat-3760	392	54	and	and	CCONJ
easat-3760	392	55	after	after	ADP
easat-3760	392	56	the	the	DET
easat-3760	392	57	pandemic	pandemic	ADJ
easat-3760	392	58	,	,	PUNCT
easat-3760	392	59	namely	namely	ADV
easat-3760	392	60	the	the	DET
easat-3760	392	61	2020	2020	NUM
easat-3760	392	62	-	-	SYM
easat-3760	392	63	2023	2023	NUM
easat-3760	392	64	period	period	NOUN
easat-3760	392	65	using	use	VERB
easat-3760	392	66	the	the	DET
easat-3760	392	67	loan	loan	NOUN
easat-3760	392	68	to	to	PART
easat-3760	392	69	deposit	deposit	VERB
easat-3760	392	70	ratio	ratio	NOUN
easat-3760	392	71	(	(	PUNCT
easat-3760	392	72	ldr	ldr	PROPN
easat-3760	392	73	)	)	PUNCT
easat-3760	392	74	can	can	AUX
easat-3760	392	75	be	be	AUX
easat-3760	392	76	said	say	VERB
easat-3760	392	77	to	to	PART
easat-3760	392	78	have	have	VERB
easat-3760	392	79	a	a	DET
easat-3760	392	80	healthy	healthy	ADJ
easat-3760	392	81	financial	financial	ADJ
easat-3760	392	82	performance	performance	NOUN
easat-3760	392	83	.	.	PUNCT
easat-3760	393	1	although	although	SCONJ
easat-3760	393	2	pt	pt	PROPN
easat-3760	393	3	.	.	PROPN
easat-3760	393	4	bank	bank	PROPN
easat-3760	393	5	tabungan	tabungan	VERB
easat-3760	393	6	negara	negara	PROPN
easat-3760	393	7	(	(	PUNCT
easat-3760	393	8	persero	persero	PROPN
easat-3760	393	9	)	)	PUNCT
easat-3760	393	10	,	,	PUNCT
easat-3760	393	11	tbk	tbk	PROPN
easat-3760	393	12	has	have	VERB
easat-3760	393	13	an	an	DET
easat-3760	393	14	unhealthy	unhealthy	ADJ
easat-3760	393	15	ldr	ldr	NOUN
easat-3760	393	16	ratio	ratio	NOUN
easat-3760	393	17	during	during	ADP
easat-3760	393	18	the	the	DET
easat-3760	393	19	pandemic	pandemic	ADJ
easat-3760	393	20	and	and	CCONJ
easat-3760	393	21	after	after	ADP
easat-3760	393	22	the	the	DET
easat-3760	393	23	pandemic	pandemic	ADJ
easat-3760	393	24	,	,	PUNCT
easat-3760	393	25	namely	namely	ADV
easat-3760	393	26	in	in	ADP
easat-3760	393	27	20202023	20202023	NUM
easat-3760	393	28	,	,	PUNCT
easat-3760	393	29	on	on	ADP
easat-3760	393	30	average	average	ADJ
easat-3760	393	31	state	state	NOUN
easat-3760	393	32	-	-	PUNCT
easat-3760	393	33	owned	own	VERB
easat-3760	393	34	banks	bank	NOUN
easat-3760	393	35	have	have	VERB
easat-3760	393	36	good	good	ADJ
easat-3760	393	37	liquidity	liquidity	NOUN
easat-3760	393	38	.	.	PUNCT
easat-3760	394	1	2	2	X
easat-3760	394	2	.	.	X
easat-3760	394	3	the	the	DET
easat-3760	394	4	financial	financial	ADJ
easat-3760	394	5	performance	performance	NOUN
easat-3760	394	6	of	of	ADP
easat-3760	394	7	state	state	NOUN
easat-3760	394	8	-	-	PUNCT
easat-3760	394	9	owned	own	VERB
easat-3760	394	10	banks	bank	NOUN
easat-3760	394	11	from	from	ADP
easat-3760	394	12	the	the	DET
easat-3760	394	13	solvency	solvency	NOUN
easat-3760	394	14	ratio	ratio	NOUN
easat-3760	394	15	using	use	VERB
easat-3760	394	16	the	the	DET
easat-3760	394	17	capital	capital	NOUN
easat-3760	394	18	8188	8188	NUM
easat-3760	394	19	edelweiss	edelweiss	PROPN
easat-3760	394	20	applied	apply	VERB
easat-3760	394	21	science	science	NOUN
easat-3760	394	22	and	and	CCONJ
easat-3760	394	23	technology	technology	NOUN
easat-3760	394	24	issn	issn	PROPN
easat-3760	394	25	:	:	PUNCT
easat-3760	394	26	2576	2576	NUM
easat-3760	394	27	-	-	SYM
easat-3760	394	28	8484	8484	NUM
easat-3760	394	29	vol	vol	NOUN
easat-3760	394	30	.	.	PROPN
easat-3760	394	31	8	8	NUM
easat-3760	394	32	,	,	PUNCT
easat-3760	394	33	no	no	INTJ
easat-3760	394	34	.	.	NOUN
easat-3760	395	1	6	6	NUM
easat-3760	395	2	:	:	SYM
easat-3760	395	3	8168	8168	NUM
easat-3760	395	4	-	-	SYM
easat-3760	395	5	8188	8188	NUM
easat-3760	395	6	,	,	PUNCT
easat-3760	395	7	2024	2024	NUM
easat-3760	395	8	doi	doi	NOUN
easat-3760	395	9	:	:	PUNCT
easat-3760	395	10	10.55214/25768484.v8i6.3760	10.55214/25768484.v8i6.3760	PROPN
easat-3760	395	11	©	©	PROPN
easat-3760	395	12	2024	2024	NUM
easat-3760	395	13	by	by	ADP
easat-3760	395	14	the	the	DET
easat-3760	395	15	authors	author	NOUN
easat-3760	395	16	;	;	PUNCT
easat-3760	395	17	licensee	licensee	PROPN
easat-3760	395	18	learning	learn	VERB
easat-3760	395	19	gate	gate	NOUN
easat-3760	395	20	adequacy	adequacy	NOUN
easat-3760	395	21	ratio	ratio	NOUN
easat-3760	395	22	(	(	PUNCT
easat-3760	395	23	car	car	NOUN
easat-3760	395	24	)	)	PUNCT
easat-3760	395	25	has	have	VERB
easat-3760	395	26	good	good	ADJ
easat-3760	395	27	financial	financial	ADJ
easat-3760	395	28	performance	performance	NOUN
easat-3760	395	29	because	because	SCONJ
easat-3760	395	30	it	it	PRON
easat-3760	395	31	is	be	AUX
easat-3760	395	32	in	in	ADP
easat-3760	395	33	the	the	DET
easat-3760	395	34	very	very	ADV
easat-3760	395	35	healthy	healthy	ADJ
easat-3760	395	36	category	category	NOUN
easat-3760	395	37	and	and	CCONJ
easat-3760	395	38	above	above	ADP
easat-3760	395	39	the	the	DET
easat-3760	395	40	standards	standard	NOUN
easat-3760	395	41	determined	determine	VERB
easat-3760	395	42	during	during	ADP
easat-3760	395	43	the	the	DET
easat-3760	395	44	pandemic	pandemic	ADJ
easat-3760	395	45	and	and	CCONJ
easat-3760	395	46	after	after	ADP
easat-3760	395	47	the	the	DET
easat-3760	395	48	pandemic	pandemic	ADJ
easat-3760	395	49	,	,	PUNCT
easat-3760	395	50	namely	namely	ADV
easat-3760	395	51	the	the	DET
easat-3760	395	52	2020	2020	NUM
easat-3760	395	53	-	-	SYM
easat-3760	395	54	2023	2023	NUM
easat-3760	395	55	period	period	NOUN
easat-3760	395	56	.	.	PUNCT
easat-3760	396	1	3	3	X
easat-3760	396	2	.	.	X
easat-3760	396	3	the	the	DET
easat-3760	396	4	financial	financial	ADJ
easat-3760	396	5	performance	performance	NOUN
easat-3760	396	6	of	of	ADP
easat-3760	396	7	state	state	NOUN
easat-3760	396	8	-	-	PUNCT
easat-3760	396	9	owned	own	VERB
easat-3760	396	10	banks	bank	NOUN
easat-3760	396	11	from	from	ADP
easat-3760	396	12	the	the	DET
easat-3760	396	13	profitability	profitability	NOUN
easat-3760	396	14	ratio	ratio	NOUN
easat-3760	396	15	using	use	VERB
easat-3760	396	16	return	return	NOUN
easat-3760	396	17	on	on	ADP
easat-3760	396	18	assets	asset	NOUN
easat-3760	396	19	(	(	PUNCT
easat-3760	396	20	roa	roa	NOUN
easat-3760	396	21	)	)	PUNCT
easat-3760	396	22	return	return	NOUN
easat-3760	396	23	on	on	ADP
easat-3760	396	24	equity	equity	NOUN
easat-3760	396	25	(	(	PUNCT
easat-3760	396	26	roe	roe	PROPN
easat-3760	396	27	)	)	PUNCT
easat-3760	396	28	bopo	bopo	NOUN
easat-3760	396	29	net	net	ADJ
easat-3760	396	30	interest	interest	NOUN
easat-3760	396	31	margin	margin	NOUN
easat-3760	396	32	(	(	PUNCT
easat-3760	396	33	nim	nim	NOUN
easat-3760	396	34	)	)	PUNCT
easat-3760	396	35	has	have	VERB
easat-3760	396	36	a	a	DET
easat-3760	396	37	healthy	healthy	ADJ
easat-3760	396	38	financial	financial	ADJ
easat-3760	396	39	performance	performance	NOUN
easat-3760	396	40	during	during	ADP
easat-3760	396	41	the	the	DET
easat-3760	396	42	pandemic	pandemic	ADJ
easat-3760	396	43	and	and	CCONJ
easat-3760	396	44	after	after	ADP
easat-3760	396	45	the	the	DET
easat-3760	396	46	pandemic	pandemic	NOUN
easat-3760	396	47	.	.	PUNCT
easat-3760	397	1	although	although	SCONJ
easat-3760	397	2	pt	pt	PROPN
easat-3760	397	3	.	.	PROPN
easat-3760	397	4	bank	bank	PROPN
easat-3760	397	5	tabungan	tabungan	VERB
easat-3760	397	6	negara	negara	PROPN
easat-3760	397	7	(	(	PUNCT
easat-3760	397	8	persero	persero	PROPN
easat-3760	397	9	)	)	PUNCT
easat-3760	397	10	,	,	PUNCT
easat-3760	397	11	tbk	tbk	PROPN
easat-3760	397	12	has	have	VERB
easat-3760	397	13	a	a	DET
easat-3760	397	14	fairly	fairly	ADV
easat-3760	397	15	healthy	healthy	ADJ
easat-3760	397	16	roa	roa	NOUN
easat-3760	397	17	,	,	PUNCT
easat-3760	397	18	roe	roe	NOUN
easat-3760	397	19	,	,	PUNCT
easat-3760	397	20	and	and	CCONJ
easat-3760	397	21	bopo	bopo	NOUN
easat-3760	397	22	ratio	ratio	NOUN
easat-3760	397	23	in	in	ADP
easat-3760	397	24	2020	2020	NUM
easat-3760	397	25	-	-	SYM
easat-3760	397	26	2023	2023	NUM
easat-3760	397	27	,	,	PUNCT
easat-3760	397	28	and	and	CCONJ
easat-3760	397	29	pt	pt	PROPN
easat-3760	397	30	.	.	PROPN
easat-3760	397	31	bank	bank	PROPN
easat-3760	397	32	negara	negara	PROPN
easat-3760	397	33	indonesia	indonesia	PROPN
easat-3760	397	34	(	(	PUNCT
easat-3760	397	35	persero	persero	PROPN
easat-3760	397	36	)	)	PUNCT
easat-3760	397	37	,	,	PUNCT
easat-3760	397	38	tbk	tbk	PROPN
easat-3760	397	39	has	have	VERB
easat-3760	397	40	a	a	DET
easat-3760	397	41	less	less	ADV
easat-3760	397	42	healthy	healthy	ADJ
easat-3760	397	43	roe	roe	NOUN
easat-3760	397	44	ratio	ratio	NOUN
easat-3760	397	45	in	in	ADP
easat-3760	397	46	2020	2020	NUM
easat-3760	397	47	,	,	PUNCT
easat-3760	397	48	on	on	ADP
easat-3760	397	49	average	average	ADJ
easat-3760	397	50	state	state	NOUN
easat-3760	397	51	-	-	PUNCT
easat-3760	397	52	owned	own	VERB
easat-3760	397	53	banks	bank	NOUN
easat-3760	397	54	have	have	VERB
easat-3760	397	55	good	good	ADJ
easat-3760	397	56	profitability	profitability	NOUN
easat-3760	397	57	.	.	PUNCT
easat-3760	398	1	4	4	X
easat-3760	398	2	.	.	X
easat-3760	398	3	the	the	DET
easat-3760	398	4	financial	financial	ADJ
easat-3760	398	5	performance	performance	NOUN
easat-3760	398	6	of	of	ADP
easat-3760	398	7	state	state	NOUN
easat-3760	398	8	-	-	PUNCT
easat-3760	398	9	owned	own	VERB
easat-3760	398	10	banks	bank	NOUN
easat-3760	398	11	from	from	ADP
easat-3760	398	12	the	the	DET
easat-3760	398	13	non	non	ADJ
easat-3760	398	14	-	-	ADJ
easat-3760	398	15	performing	performing	ADJ
easat-3760	398	16	loan	loan	NOUN
easat-3760	398	17	(	(	PUNCT
easat-3760	398	18	npl	npl	NOUN
easat-3760	398	19	)	)	PUNCT
easat-3760	398	20	ratio	ratio	NOUN
easat-3760	398	21	has	have	VERB
easat-3760	398	22	a	a	DET
easat-3760	398	23	very	very	ADV
easat-3760	398	24	healthy	healthy	ADJ
easat-3760	398	25	financial	financial	ADJ
easat-3760	398	26	performance	performance	NOUN
easat-3760	398	27	during	during	ADP
easat-3760	398	28	the	the	DET
easat-3760	398	29	pandemic	pandemic	ADJ
easat-3760	398	30	and	and	CCONJ
easat-3760	398	31	after	after	ADP
easat-3760	398	32	the	the	DET
easat-3760	398	33	pandemic	pandemic	ADJ
easat-3760	398	34	,	,	PUNCT
easat-3760	398	35	namely	namely	ADV
easat-3760	398	36	the	the	DET
easat-3760	398	37	2020	2020	NUM
easat-3760	398	38	-	-	SYM
easat-3760	398	39	2023	2023	NUM
easat-3760	398	40	period	period	NOUN
easat-3760	398	41	because	because	SCONJ
easat-3760	398	42	it	it	PRON
easat-3760	398	43	is	be	AUX
easat-3760	398	44	below	below	ADP
easat-3760	398	45	the	the	DET
easat-3760	398	46	specified	specify	VERB
easat-3760	398	47	standard	standard	NOUN
easat-3760	398	48	.	.	PUNCT
easat-3760	399	1	5	5	X
easat-3760	399	2	.	.	X
easat-3760	399	3	in	in	ADP
easat-3760	399	4	general	general	ADJ
easat-3760	399	5	,	,	PUNCT
easat-3760	399	6	the	the	DET
easat-3760	399	7	financial	financial	ADJ
easat-3760	399	8	performance	performance	NOUN
easat-3760	399	9	of	of	ADP
easat-3760	399	10	banks	bank	NOUN
easat-3760	399	11	during	during	ADP
easat-3760	399	12	the	the	DET
easat-3760	399	13	pandemic	pandemic	ADJ
easat-3760	399	14	and	and	CCONJ
easat-3760	399	15	after	after	SCONJ
easat-3760	399	16	the	the	DET
easat-3760	399	17	pandemic	pandemic	NOUN
easat-3760	399	18	was	be	AUX
easat-3760	399	19	in	in	ADP
easat-3760	399	20	a	a	DET
easat-3760	399	21	healthy	healthy	ADJ
easat-3760	399	22	condition	condition	NOUN
easat-3760	399	23	because	because	SCONJ
easat-3760	399	24	the	the	DET
easat-3760	399	25	capital	capital	NOUN
easat-3760	399	26	owned	own	VERB
easat-3760	399	27	by	by	ADP
easat-3760	399	28	each	each	DET
easat-3760	399	29	bank	bank	NOUN
easat-3760	399	30	was	be	AUX
easat-3760	399	31	still	still	ADV
easat-3760	399	32	large	large	ADJ
easat-3760	399	33	and	and	CCONJ
easat-3760	399	34	was	be	AUX
easat-3760	399	35	able	able	ADJ
easat-3760	399	36	to	to	PART
easat-3760	399	37	distribute	distribute	VERB
easat-3760	399	38	credit	credit	NOUN
easat-3760	399	39	well	well	ADV
easat-3760	399	40	.	.	PUNCT
easat-3760	400	1	copyright	copyright	NOUN
easat-3760	400	2	:	:	PUNCT
easat-3760	400	3	©	©	PROPN
easat-3760	400	4	2024	2024	NUM
easat-3760	400	5	by	by	ADP
easat-3760	400	6	the	the	DET
easat-3760	400	7	authors	author	NOUN
easat-3760	400	8	.	.	PUNCT
easat-3760	401	1	this	this	DET
easat-3760	401	2	article	article	NOUN
easat-3760	401	3	is	be	AUX
easat-3760	401	4	an	an	DET
easat-3760	401	5	open	open	ADJ
easat-3760	401	6	access	access	NOUN
easat-3760	401	7	article	article	NOUN
easat-3760	401	8	distributed	distribute	VERB
easat-3760	401	9	under	under	ADP
easat-3760	401	10	the	the	DET
easat-3760	401	11	terms	term	NOUN
easat-3760	401	12	and	and	CCONJ
easat-3760	401	13	conditions	condition	NOUN
easat-3760	401	14	of	of	ADP
easat-3760	401	15	the	the	DET
easat-3760	401	16	creative	creative	ADJ
easat-3760	401	17	commons	common	NOUN
easat-3760	401	18	attribution	attribution	NOUN
easat-3760	401	19	(	(	PUNCT
easat-3760	401	20	cc	cc	NOUN
easat-3760	401	21	by	by	ADP
easat-3760	401	22	)	)	PUNCT
easat-3760	401	23	license	license	NOUN
easat-3760	401	24	(	(	PUNCT
easat-3760	401	25	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-3760	401	26	)	)	PUNCT
easat-3760	401	27	.	.	PUNCT
easat-3760	402	1	references	reference	NOUN
easat-3760	402	2	[	[	X
easat-3760	402	3	1	1	NUM
easat-3760	402	4	]	]	PUNCT
easat-3760	402	5	andrianto	andrianto	NOUN
easat-3760	402	6	,	,	PUNCT
easat-3760	402	7	fatihuddin	fatihuddin	NOUN
easat-3760	402	8	,	,	PUNCT
easat-3760	402	9	d.	d.	PROPN
easat-3760	402	10	,	,	PUNCT
easat-3760	402	11	&	&	CCONJ
easat-3760	402	12	firmansyah	firmansyah	PROPN
easat-3760	402	13	,	,	PUNCT
easat-3760	402	14	ma	ma	PROPN
easat-3760	402	15	(	(	PUNCT
easat-3760	402	16	2019	2019	NUM
easat-3760	402	17	)	)	PUNCT
easat-3760	402	18	.	.	PUNCT
easat-3760	403	1	bank	bank	NOUN
easat-3760	403	2	management	management	NOUN
easat-3760	403	3	.	.	PUNCT
easat-3760	404	1	pasuruan	pasuruan	PROPN
easat-3760	404	2	:	:	PUNCT
easat-3760	404	3	cv	cv	PROPN
easat-3760	404	4	.	.	PROPN
easat-3760	404	5	qiara	qiara	PROPN
easat-3760	404	6	media	medium	NOUN
easat-3760	404	7	publisher	publisher	NOUN
easat-3760	404	8	.	.	PUNCT
easat-3760	405	1	[	[	X
easat-3760	405	2	2	2	NUM
easat-3760	405	3	]	]	PUNCT
easat-3760	405	4	anggraini	anggraini	NOUN
easat-3760	405	5	,	,	PUNCT
easat-3760	405	6	d.	d.	PROPN
easat-3760	405	7	(	(	PUNCT
easat-3760	405	8	2023	2023	NUM
easat-3760	405	9	)	)	PUNCT
easat-3760	405	10	.	.	PUNCT
easat-3760	406	1	financial	financial	ADJ
easat-3760	406	2	statement	statement	NOUN
easat-3760	406	3	analysis	analysis	NOUN
easat-3760	406	4	.	.	PUNCT
easat-3760	407	1	fundamentals	fundamental	NOUN
easat-3760	407	2	of	of	ADP
easat-3760	407	3	management	management	NOUN
easat-3760	407	4	accounting	accounting	NOUN
easat-3760	407	5	(	(	PUNCT
easat-3760	407	6	p.	p.	NOUN
easat-3760	407	7	214	214	NUM
easat-3760	407	8	)	)	PUNCT
easat-3760	407	9	.	.	PUNCT
easat-3760	408	1	padang	padang	PROPN
easat-3760	408	2	:	:	PUNCT
easat-3760	408	3	pt	pt	PROPN
easat-3760	408	4	.	.	PROPN
easat-3760	408	5	global	global	ADJ
easat-3760	408	6	executive	executive	ADJ
easat-3760	408	7	technology	technology	NOUN
easat-3760	408	8	.	.	PUNCT
easat-3760	409	1	[	[	X
easat-3760	409	2	3	3	NUM
easat-3760	409	3	]	]	X
easat-3760	409	4	anwar	anwar	PROPN
easat-3760	409	5	,	,	PUNCT
easat-3760	409	6	s.	s.	PROPN
easat-3760	409	7	(	(	PUNCT
easat-3760	409	8	2022	2022	NUM
easat-3760	409	9	)	)	PUNCT
easat-3760	409	10	.	.	PUNCT
easat-3760	410	1	banks	bank	NOUN
easat-3760	410	2	and	and	CCONJ
easat-3760	410	3	financial	financial	ADJ
easat-3760	410	4	institutions	institution	NOUN
easat-3760	410	5	.	.	PUNCT
easat-3760	411	1	cirebon	cirebon	NOUN
easat-3760	411	2	:	:	PUNCT
easat-3760	411	3	cv	cv	PROPN
easat-3760	411	4	.	.	PROPN
easat-3760	411	5	green	green	PROPN
easat-3760	411	6	publisher	publisher	PROPN
easat-3760	411	7	indonesia	indonesia	PROPN
easat-3760	411	8	.	.	PUNCT
easat-3760	412	1	[	[	X
easat-3760	412	2	4	4	NUM
easat-3760	412	3	]	]	X
easat-3760	412	4	arifin	arifin	PROPN
easat-3760	412	5	,	,	PUNCT
easat-3760	412	6	j.	j.	PROPN
easat-3760	412	7	,	,	PUNCT
easat-3760	412	8	&	&	CCONJ
easat-3760	412	9	syukri	syukri	NOUN
easat-3760	412	10	,	,	PUNCT
easat-3760	412	11	m.	m.	NOUN
easat-3760	412	12	(	(	PUNCT
easat-3760	412	13	2006	2006	NUM
easat-3760	412	14	)	)	PUNCT
easat-3760	412	15	.	.	PUNCT
easat-3760	413	1	excel	excel	NOUN
easat-3760	413	2	applications	application	NOUN
easat-3760	413	3	in	in	ADP
easat-3760	413	4	applied	apply	VERB
easat-3760	413	5	banking	banking	NOUN
easat-3760	413	6	business	business	NOUN
easat-3760	413	7	.	.	PUNCT
easat-3760	414	1	jakarta	jakarta	PROPN
easat-3760	414	2	:	:	PUNCT
easat-3760	414	3	pt	pt	PROPN
easat-3760	414	4	elex	elex	PROPN
easat-3760	414	5	media	medium	NOUN
easat-3760	414	6	komputindo	komputindo	NOUN
easat-3760	414	7	.	.	PUNCT
easat-3760	415	1	[	[	X
easat-3760	415	2	5	5	X
easat-3760	415	3	]	]	PUNCT
easat-3760	415	4	bank	bank	NOUN
easat-3760	415	5	mandiri	mandiri	NOUN
easat-3760	415	6	.	.	PUNCT
easat-3760	416	1	brief	brief	ADJ
easat-3760	416	2	history	history	NOUN
easat-3760	416	3	,	,	PUNCT
easat-3760	416	4	vision	vision	NOUN
easat-3760	416	5	&	&	CCONJ
easat-3760	416	6	mission	mission	NOUN
easat-3760	416	7	,	,	PUNCT
easat-3760	416	8	annual	annual	ADJ
easat-3760	416	9	financial	financial	ADJ
easat-3760	416	10	report.https://mandiri	report.https://mandiri	NOUN
easat-3760	416	11	bank.co.id	bank.co.id	PROPN
easat-3760	416	12	.	.	PUNCT
easat-3760	417	1	[	[	X
easat-3760	417	2	6	6	NUM
easat-3760	417	3	]	]	X
easat-3760	417	4	bank	bank	PROPN
easat-3760	417	5	negara	negara	PROPN
easat-3760	417	6	indonesia	indonesia	PROPN
easat-3760	417	7	.	.	PUNCT
easat-3760	418	1	brief	brief	ADJ
easat-3760	418	2	history	history	NOUN
easat-3760	418	3	,	,	PUNCT
easat-3760	418	4	vision	vision	NOUN
easat-3760	418	5	&	&	CCONJ
easat-3760	418	6	mission	mission	NOUN
easat-3760	418	7	,	,	PUNCT
easat-3760	418	8	annual	annual	ADJ
easat-3760	418	9	financial	financial	ADJ
easat-3760	418	10	report.https://www.bni.co.id	report.https://www.bni.co.id	NOUN
easat-3760	418	11	.	.	PUNCT
easat-3760	419	1	[	[	X
easat-3760	419	2	7	7	X
easat-3760	419	3	]	]	X
easat-3760	419	4	bank	bank	PROPN
easat-3760	419	5	rakyat	rakyat	PROPN
easat-3760	419	6	indonesia	indonesia	PROPN
easat-3760	419	7	.	.	PUNCT
easat-3760	420	1	brief	brief	ADJ
easat-3760	420	2	history	history	NOUN
easat-3760	420	3	,	,	PUNCT
easat-3760	420	4	vision	vision	NOUN
easat-3760	420	5	&	&	CCONJ
easat-3760	420	6	mission	mission	NOUN
easat-3760	420	7	,	,	PUNCT
easat-3760	420	8	annual	annual	ADJ
easat-3760	420	9	financial	financial	ADJ
easat-3760	420	10	report.https://bri.co.id	report.https://bri.co.id	NOUN
easat-3760	420	11	.	.	PUNCT
easat-3760	421	1	[	[	X
easat-3760	421	2	8	8	NUM
easat-3760	421	3	]	]	X
easat-3760	421	4	bank	bank	NOUN
easat-3760	421	5	tabungan	tabungan	VERB
easat-3760	421	6	negara	negara	PROPN
easat-3760	421	7	.	.	PUNCT
easat-3760	422	1	brief	brief	ADJ
easat-3760	422	2	history	history	NOUN
easat-3760	422	3	,	,	PUNCT
easat-3760	422	4	vision	vision	NOUN
easat-3760	422	5	&	&	CCONJ
easat-3760	422	6	mission	mission	NOUN
easat-3760	422	7	,	,	PUNCT
easat-3760	422	8	annual	annual	ADJ
easat-3760	422	9	financial	financial	ADJ
easat-3760	422	10	report.https://www.btn.co.id	report.https://www.btn.co.id	NOUN
easat-3760	422	11	.	.	PUNCT
easat-3760	423	1	[	[	X
easat-3760	423	2	9	9	X
easat-3760	423	3	]	]	X
easat-3760	423	4	indonesia	indonesia	PROPN
easat-3760	423	5	stock	stock	PROPN
easat-3760	423	6	exchange	exchange	PROPN
easat-3760	423	7	.	.	PUNCT
easat-3760	424	1	financial	financial	ADJ
easat-3760	424	2	report	report	NOUN
easat-3760	424	3	.	.	PUNCT
easat-3760	425	1	www.idx.co.id	www.idx.co.id	PROPN
easat-3760	425	2	.	.	PUNCT
easat-3760	426	1	[	[	X
easat-3760	426	2	10	10	NUM
easat-3760	426	3	]	]	X
easat-3760	426	4	darmawan	darmawan	PROPN
easat-3760	426	5	.	.	PUNCT
easat-3760	427	1	(	(	PUNCT
easat-3760	427	2	2020	2020	NUM
easat-3760	427	3	)	)	PUNCT
easat-3760	427	4	.	.	PUNCT
easat-3760	428	1	basics	basic	NOUN
easat-3760	428	2	of	of	ADP
easat-3760	428	3	understanding	understand	VERB
easat-3760	428	4	ratios	ratio	NOUN
easat-3760	428	5	and	and	CCONJ
easat-3760	428	6	financial	financial	ADJ
easat-3760	428	7	reports	report	NOUN
easat-3760	428	8	.	.	PUNCT
easat-3760	429	1	yogyakarta	yogyakarta	PROPN
easat-3760	429	2	:	:	PUNCT
easat-3760	429	3	uny	uny	PROPN
easat-3760	429	4	press	press	PROPN
easat-3760	429	5	.	.	PUNCT
easat-3760	430	1	[	[	X
easat-3760	430	2	11	11	NUM
easat-3760	430	3	]	]	SYM
easat-3760	430	4	darmawi	darmawi	PROPN
easat-3760	430	5	,	,	PUNCT
easat-3760	430	6	h.	h.	PROPN
easat-3760	430	7	(	(	PUNCT
easat-3760	430	8	2012	2012	NUM
easat-3760	430	9	)	)	PUNCT
easat-3760	430	10	.	.	PUNCT
easat-3760	431	1	banking	banking	NOUN
easat-3760	431	2	management	management	NOUN
easat-3760	431	3	.	.	PUNCT
easat-3760	432	1	jakarta	jakarta	PROPN
easat-3760	432	2	:	:	PUNCT
easat-3760	432	3	pt	pt	PROPN
easat-3760	432	4	bumi	bumi	PROPN
easat-3760	432	5	aksara	aksara	PROPN
easat-3760	432	6	.	.	PUNCT
easat-3760	433	1	[	[	X
easat-3760	433	2	12	12	NUM
easat-3760	433	3	]	]	PUNCT
easat-3760	433	4	diokno	diokno	NOUN
easat-3760	433	5	,	,	PUNCT
easat-3760	433	6	co.b	co.b	PROPN
easat-3760	433	7	.	.	PUNCT
easat-3760	433	8	(	(	PUNCT
easat-3760	433	9	2023	2023	NUM
easat-3760	433	10	)	)	PUNCT
easat-3760	433	11	.	.	PUNCT
easat-3760	434	1	a	a	DET
easat-3760	434	2	comparative	comparative	ADJ
easat-3760	434	3	analysis	analysis	NOUN
easat-3760	434	4	of	of	ADP
easat-3760	434	5	the	the	DET
easat-3760	434	6	profitability	profitability	NOUN
easat-3760	434	7	of	of	ADP
easat-3760	434	8	selected	select	VERB
easat-3760	434	9	listed	list	VERB
easat-3760	434	10	firms	firm	NOUN
easat-3760	434	11	in	in	ADP
easat-3760	434	12	media	medium	NOUN
easat-3760	434	13	subsector	subsector	NOUN
easat-3760	434	14	in	in	ADP
easat-3760	434	15	the	the	DET
easat-3760	434	16	philippines	philippine	NOUN
easat-3760	434	17	.	.	PUNCT
easat-3760	435	1	open	open	ADJ
easat-3760	435	2	journal	journal	PROPN
easat-3760	435	3	of	of	ADP
easat-3760	435	4	accounting	accounting	NOUN
easat-3760	435	5	,	,	PUNCT
easat-3760	435	6	1–13	1–13	NOUN
easat-3760	435	7	.	.	PUNCT
easat-3760	436	1	[	[	X
easat-3760	436	2	13	13	NUM
easat-3760	436	3	]	]	PUNCT
easat-3760	436	4	hadisantoso	hadisantoso	NOUN
easat-3760	436	5	,	,	PUNCT
easat-3760	436	6	e.	e.	PROPN
easat-3760	436	7	,	,	PUNCT
easat-3760	436	8	dharmawati	dharmawati	PROPN
easat-3760	436	9	,	,	PUNCT
easat-3760	436	10	t.	t.	PROPN
easat-3760	436	11	,	,	PUNCT
easat-3760	436	12	intihanah	intihanah	ADJ
easat-3760	436	13	,	,	PUNCT
easat-3760	436	14	akib	akib	NOUN
easat-3760	436	15	,	,	PUNCT
easat-3760	436	16	m.	m.	NOUN
easat-3760	436	17	,	,	PUNCT
easat-3760	436	18	&	&	CCONJ
easat-3760	436	19	pasha	pasha	PROPN
easat-3760	436	20	,	,	PUNCT
easat-3760	436	21	a.	a.	NOUN
easat-3760	436	22	(	(	PUNCT
easat-3760	436	23	2023	2023	NUM
easat-3760	436	24	)	)	PUNCT
easat-3760	436	25	.	.	PUNCT
easat-3760	437	1	socialization	socialization	NOUN
easat-3760	437	2	of	of	ADP
easat-3760	437	3	the	the	DET
easat-3760	437	4	importance	importance	NOUN
easat-3760	437	5	of	of	ADP
easat-3760	437	6	internal	internal	ADJ
easat-3760	437	7	banking	banking	NOUN
easat-3760	437	8	control	control	NOUN
easat-3760	437	9	in	in	ADP
easat-3760	437	10	islamic	islamic	ADJ
easat-3760	437	11	banks	bank	NOUN
easat-3760	437	12	.	.	PUNCT
easat-3760	438	1	journal	journal	PROPN
easat-3760	438	2	of	of	ADP
easat-3760	438	3	service	service	NOUN
easat-3760	438	4	and	and	CCONJ
easat-3760	438	5	dedication	dedication	NOUN
easat-3760	438	6	to	to	ADP
easat-3760	438	7	the	the	DET
easat-3760	438	8	indonesian	indonesian	ADJ
easat-3760	438	9	community	community	NOUN
easat-3760	438	10	(	(	PUNCT
easat-3760	438	11	nadikami	nadikami	NOUN
easat-3760	438	12	)	)	PUNCT
easat-3760	438	13	,	,	PUNCT
easat-3760	438	14	6	6	NUM
easat-3760	438	15	–	–	SYM
easat-3760	438	16	14	14	NUM
easat-3760	438	17	.	.	PUNCT
easat-3760	439	1	[	[	X
easat-3760	439	2	14	14	NUM
easat-3760	439	3	]	]	PUNCT
easat-3760	439	4	hadisantoso	hadisantoso	NOUN
easat-3760	439	5	,	,	PUNCT
easat-3760	439	6	e.	e.	PROPN
easat-3760	439	7	,	,	PUNCT
easat-3760	439	8	wawo	wawo	VERB
easat-3760	439	9	,	,	PUNCT
easat-3760	439	10	ab	ab	PROPN
easat-3760	439	11	,	,	PUNCT
easat-3760	439	12	syaiah	syaiah	PROPN
easat-3760	439	13	,	,	PUNCT
easat-3760	439	14	&	&	CCONJ
easat-3760	439	15	rasyid	rasyid	PROPN
easat-3760	439	16	,	,	PUNCT
easat-3760	439	17	sa	sa	PROPN
easat-3760	439	18	(	(	PUNCT
easat-3760	439	19	2022	2022	NUM
easat-3760	439	20	)	)	PUNCT
easat-3760	439	21	.	.	PUNCT
easat-3760	440	1	analysis	analysis	NOUN
easat-3760	440	2	of	of	ADP
easat-3760	440	3	accounting	accounting	NOUN
easat-3760	440	4	information	information	NOUN
easat-3760	440	5	and	and	CCONJ
easat-3760	440	6	non	non	ADJ
easat-3760	440	7	-	-	ADJ
easat-3760	440	8	accounting	accounting	ADJ
easat-3760	440	9	information	information	NOUN
easat-3760	440	10	in	in	ADP
easat-3760	440	11	credit	credit	NOUN
easat-3760	440	12	decision	decision	NOUN
easat-3760	440	13	making	making	NOUN
easat-3760	440	14	(	(	PUNCT
easat-3760	440	15	case	case	NOUN
easat-3760	440	16	study	study	NOUN
easat-3760	440	17	at	at	ADP
easat-3760	440	18	pt	pt	PROPN
easat-3760	440	19	.	.	PROPN
easat-3760	440	20	bank	bank	PROPN
easat-3760	440	21	tabungan	tabungan	VERB
easat-3760	440	22	negara	negara	PROPN
easat-3760	440	23	(	(	PUNCT
easat-3760	440	24	persero	persero	NOUN
easat-3760	440	25	)	)	PUNCT
easat-3760	440	26	tbk	tbk	PROPN
easat-3760	440	27	.	.	PUNCT
easat-3760	441	1	kendari	kendari	PROPN
easat-3760	441	2	sharia	sharia	PROPN
easat-3760	441	3	branch	branch	PROPN
easat-3760	441	4	office	office	PROPN
easat-3760	441	5	)	)	PUNCT
easat-3760	441	6	.	.	PUNCT
easat-3760	442	1	journal	journal	NOUN
easat-3760	442	2	of	of	ADP
easat-3760	442	3	accounting	accounting	NOUN
easat-3760	442	4	and	and	CCONJ
easat-3760	442	5	finance	finance	NOUN
easat-3760	442	6	(	(	PUNCT
easat-3760	442	7	jak	jak	PROPN
easat-3760	442	8	)	)	PUNCT
easat-3760	442	9	,	,	PUNCT
easat-3760	442	10	128–140	128–140	NUM
easat-3760	442	11	.	.	PUNCT
easat-3760	443	1	[	[	X
easat-3760	443	2	15	15	NUM
easat-3760	443	3	]	]	X
easat-3760	443	4	hery	hery	NOUN
easat-3760	443	5	.	.	PUNCT
easat-3760	444	1	(	(	PUNCT
easat-3760	444	2	2016	2016	NUM
easat-3760	444	3	)	)	PUNCT
easat-3760	444	4	.	.	PUNCT
easat-3760	445	1	financial	financial	ADJ
easat-3760	445	2	statement	statement	NOUN
easat-3760	445	3	analysis	analysis	NOUN
easat-3760	445	4	:	:	PUNCT
easat-3760	445	5	integrated	integrated	ADJ
easat-3760	445	6	and	and	CCONJ
easat-3760	445	7	comprehensive	comprehensive	ADJ
easat-3760	445	8	edition	edition	NOUN
easat-3760	445	9	.	.	PUNCT
easat-3760	446	1	jakarta	jakarta	PROPN
easat-3760	446	2	:	:	PUNCT
easat-3760	446	3	pt	pt	PROPN
easat-3760	446	4	grasindo	grasindo	PROPN
easat-3760	446	5	.	.	PUNCT
easat-3760	447	1	[	[	X
easat-3760	447	2	16	16	NUM
easat-3760	447	3	]	]	X
easat-3760	447	4	hery	hery	NOUN
easat-3760	447	5	.	.	PUNCT
easat-3760	448	1	(	(	PUNCT
easat-3760	448	2	2021	2021	NUM
easat-3760	448	3	)	)	PUNCT
easat-3760	448	4	.	.	PUNCT
easat-3760	449	1	banking	banking	NOUN
easat-3760	449	2	management	management	NOUN
easat-3760	449	3	.	.	PUNCT
easat-3760	450	1	jakarta	jakarta	PROPN
easat-3760	450	2	:	:	PUNCT
easat-3760	450	3	pt	pt	PROPN
easat-3760	450	4	grasindo	grasindo	PROPN
easat-3760	450	5	.	.	PUNCT
easat-3760	451	1	[	[	X
easat-3760	451	2	17	17	NUM
easat-3760	451	3	]	]	X
easat-3760	451	4	hidayat	hidayat	PROPN
easat-3760	451	5	,	,	PUNCT
easat-3760	451	6	ww	ww	PROPN
easat-3760	451	7	(	(	PUNCT
easat-3760	451	8	2018	2018	NUM
easat-3760	451	9	)	)	PUNCT
easat-3760	451	10	.	.	PUNCT
easat-3760	452	1	basics	basic	NOUN
easat-3760	452	2	of	of	ADP
easat-3760	452	3	financial	financial	ADJ
easat-3760	452	4	report	report	NOUN
easat-3760	452	5	analysis	analysis	NOUN
easat-3760	452	6	.	.	PUNCT
easat-3760	453	1	ponorogo	ponorogo	NOUN
easat-3760	453	2	:	:	PUNCT
easat-3760	453	3	uwais	uwais	PROPN
easat-3760	453	4	inspirasi	inspirasi	PROPN
easat-3760	453	5	indonesia	indonesia	PROPN
easat-3760	453	6	.	.	PUNCT
easat-3760	454	1	[	[	X
easat-3760	454	2	18	18	NUM
easat-3760	454	3	]	]	X
easat-3760	454	4	hrp	hrp	PROPN
easat-3760	454	5	,	,	PUNCT
easat-3760	454	6	ap	ap	PROPN
easat-3760	454	7	,	,	PUNCT
easat-3760	454	8	&	&	CCONJ
easat-3760	454	9	saraswati	saraswati	PROPN
easat-3760	454	10	,	,	PUNCT
easat-3760	454	11	d.	d.	PROPN
easat-3760	454	12	(	(	PUNCT
easat-3760	454	13	2020	2020	NUM
easat-3760	454	14	)	)	PUNCT
easat-3760	454	15	.	.	PUNCT
easat-3760	455	1	banks	bank	NOUN
easat-3760	455	2	and	and	CCONJ
easat-3760	455	3	other	other	ADJ
easat-3760	455	4	financial	financial	ADJ
easat-3760	455	5	institutions	institution	NOUN
easat-3760	455	6	.	.	PUNCT
easat-3760	456	1	surabaya	surabaya	PROPN
easat-3760	456	2	:	:	PUNCT
easat-3760	456	3	cv	cv	PROPN
easat-3760	456	4	.	.	PROPN
easat-3760	456	5	jakad	jakad	PROPN
easat-3760	456	6	media	medium	NOUN
easat-3760	456	7	publishing	publishing	NOUN
easat-3760	456	8	.	.	PUNCT
easat-3760	457	1	[	[	X
easat-3760	457	2	19	19	NUM
easat-3760	457	3	]	]	SYM
easat-3760	457	4	hutabarat	hutabarat	PROPN
easat-3760	457	5	,	,	PUNCT
easat-3760	457	6	f.	f.	PROPN
easat-3760	457	7	(	(	PUNCT
easat-3760	457	8	2020	2020	NUM
easat-3760	457	9	)	)	PUNCT
easat-3760	457	10	.	.	PUNCT
easat-3760	458	1	analysis	analysis	NOUN
easat-3760	458	2	of	of	ADP
easat-3760	458	3	company	company	NOUN
easat-3760	458	4	financial	financial	ADJ
easat-3760	458	5	performance	performance	NOUN
easat-3760	458	6	.	.	PUNCT
easat-3760	459	1	serang	serang	PROPN
easat-3760	459	2	:	:	PUNCT
easat-3760	459	3	desanta	desanta	ADJ
easat-3760	459	4	muliavisitama	muliavisitama	NOUN
easat-3760	459	5	.	.	PUNCT
easat-3760	460	1	[	[	X
easat-3760	460	2	20	20	NUM
easat-3760	460	3	]	]	SYM
easat-3760	460	4	indonesian	indonesian	PROPN
easat-3760	460	5	institute	institute	PROPN
easat-3760	460	6	of	of	ADP
easat-3760	460	7	accountants	accountant	NOUN
easat-3760	460	8	.	.	PUNCT
easat-3760	461	1	(	(	PUNCT
easat-3760	461	2	2007	2007	NUM
easat-3760	461	3	)	)	PUNCT
easat-3760	461	4	.	.	PUNCT
easat-3760	462	1	financial	financial	ADJ
easat-3760	462	2	accounting	accounting	NOUN
easat-3760	462	3	standards	standard	NOUN
easat-3760	462	4	.	.	PUNCT
easat-3760	463	1	jakarta	jakarta	PROPN
easat-3760	463	2	:	:	PUNCT
easat-3760	463	3	salemba	salemba	PROPN
easat-3760	463	4	empat	empat	VERB
easat-3760	463	5	.	.	PUNCT
easat-3760	464	1	[	[	X
easat-3760	464	2	21	21	NUM
easat-3760	464	3	]	]	X
easat-3760	464	4	ismail	ismail	NOUN
easat-3760	464	5	.	.	PUNCT
easat-3760	465	1	(	(	PUNCT
easat-3760	465	2	2018	2018	NUM
easat-3760	465	3	)	)	PUNCT
easat-3760	465	4	.	.	PUNCT
easat-3760	466	1	banking	banking	NOUN
easat-3760	466	2	management	management	NOUN
easat-3760	466	3	:	:	PUNCT
easat-3760	466	4	from	from	ADP
easat-3760	466	5	theory	theory	NOUN
easat-3760	466	6	to	to	ADP
easat-3760	466	7	application	application	NOUN
easat-3760	466	8	.	.	PUNCT
easat-3760	467	1	jakarta	jakarta	PROPN
easat-3760	467	2	:	:	PUNCT
easat-3760	467	3	prenada	prenada	PROPN
easat-3760	467	4	media	medium	NOUN
easat-3760	467	5	group	group	NOUN
easat-3760	467	6	.	.	PUNCT
easat-3760	468	1	[	[	X
easat-3760	468	2	22	22	NUM
easat-3760	468	3	]	]	X
easat-3760	468	4	kariyoto	kariyoto	NOUN
easat-3760	468	5	.	.	PUNCT
easat-3760	469	1	(	(	PUNCT
easat-3760	469	2	2017	2017	NUM
easat-3760	469	3	)	)	PUNCT
easat-3760	469	4	.	.	PUNCT
easat-3760	470	1	financial	financial	ADJ
easat-3760	470	2	report	report	NOUN
easat-3760	470	3	analysis	analysis	NOUN
easat-3760	470	4	.	.	PUNCT
easat-3760	471	1	malang	malang	PROPN
easat-3760	471	2	:	:	PUNCT
easat-3760	471	3	ub	ub	PROPN
easat-3760	471	4	press	press	NOUN
easat-3760	471	5	.	.	PUNCT
easat-3760	472	1	[	[	X
easat-3760	472	2	23	23	NUM
easat-3760	472	3	]	]	X
easat-3760	472	4	khan	khan	PROPN
easat-3760	472	5	,	,	PUNCT
easat-3760	472	6	ia	ia	PROPN
easat-3760	472	7	,	,	PUNCT
easat-3760	472	8	akhter	akhter	NOUN
easat-3760	472	9	,	,	PUNCT
easat-3760	472	10	s.	s.	PROPN
easat-3760	472	11	,	,	PUNCT
easat-3760	472	12	faiz	faiz	PROPN
easat-3760	472	13	,	,	PUNCT
easat-3760	472	14	j.	j.	PROPN
easat-3760	472	15	,	,	PUNCT
easat-3760	472	16	khan	khan	PROPN
easat-3760	472	17	,	,	PUNCT
easat-3760	472	18	s.	s.	PROPN
easat-3760	472	19	,	,	PUNCT
easat-3760	472	20	amir	amir	PROPN
easat-3760	472	21	,	,	PUNCT
easat-3760	472	22	m.	m.	NOUN
easat-3760	472	23	,	,	PUNCT
easat-3760	472	24	shah	shah	PROPN
easat-3760	472	25	,	,	PUNCT
easat-3760	472	26	n.a	n.a	PROPN
easat-3760	472	27	.	.	PROPN
easat-3760	472	28	,	,	PUNCT
easat-3760	472	29	&	&	CCONJ
easat-3760	472	30	khan	khan	PROPN
easat-3760	472	31	,	,	PUNCT
easat-3760	472	32	m.s	m.s	PROPN
easat-3760	472	33	.	.	PROPN
easat-3760	472	34	(	(	PUNCT
easat-3760	472	35	2023	2023	NUM
easat-3760	472	36	)	)	PUNCT
easat-3760	472	37	.	.	PUNCT
easat-3760	473	1	determinants	determinant	NOUN
easat-3760	473	2	of	of	ADP
easat-3760	473	3	credit	credit	NOUN
easat-3760	473	4	risk	risk	NOUN
easat-3760	473	5	and	and	CCONJ
easat-3760	473	6	operational	operational	ADJ
easat-3760	473	7	risk	risk	NOUN
easat-3760	473	8	in	in	ADP
easat-3760	473	9	banking	banking	NOUN
easat-3760	473	10	sector	sector	NOUN
easat-3760	473	11	evidence	evidence	NOUN
easat-3760	473	12	from	from	ADP
easat-3760	473	13	pakistani	pakistani	ADJ
easat-3760	473	14	banking	banking	NOUN
easat-3760	473	15	sector	sector	NOUN
easat-3760	473	16	.	.	PUNCT
easat-3760	474	1	journal	journal	NOUN
easat-3760	474	2	of	of	ADP
easat-3760	474	3	financial	financial	ADJ
easat-3760	474	4	risk	risk	NOUN
easat-3760	474	5	management	management	NOUN
easat-3760	474	6	,	,	PUNCT
easat-3760	474	7	15–27	15–27	NUM
easat-3760	474	8	.	.	PUNCT
easat-3760	475	1	[	[	X
easat-3760	475	2	24	24	NUM
easat-3760	475	3	]	]	X
easat-3760	475	4	kuswandi	kuswandi	PROPN
easat-3760	475	5	.	.	PUNCT
easat-3760	476	1	(	(	PUNCT
easat-3760	476	2	2006	2006	NUM
easat-3760	476	3	)	)	PUNCT
easat-3760	476	4	.	.	PUNCT
easat-3760	477	1	understanding	understand	VERB
easat-3760	477	2	financial	financial	ADJ
easat-3760	477	3	ratios	ratio	NOUN
easat-3760	477	4	for	for	ADP
easat-3760	477	5	laypeople	laypeople	PROPN
easat-3760	477	6	.	.	PUNCT
easat-3760	478	1	jakarta	jakarta	PROPN
easat-3760	478	2	:	:	PUNCT
easat-3760	478	3	pt	pt	PROPN
easat-3760	478	4	elex	elex	PROPN
easat-3760	478	5	media	media	PROPN
easat-3760	478	6	indonesia	indonesia	PROPN
easat-3760	478	7	.	.	PUNCT
easat-3760	479	1	[	[	X
easat-3760	479	2	25	25	NUM
easat-3760	479	3	]	]	X
easat-3760	479	4	liu	liu	PROPN
easat-3760	479	5	,	,	PUNCT
easat-3760	479	6	w.	w.	PROPN
easat-3760	479	7	(	(	PUNCT
easat-3760	479	8	2020	2020	NUM
easat-3760	479	9	)	)	PUNCT
easat-3760	479	10	.	.	PUNCT
easat-3760	480	1	how	how	SCONJ
easat-3760	480	2	useful	useful	ADJ
easat-3760	480	3	is	be	AUX
easat-3760	480	4	it	it	PRON
easat-3760	480	5	for	for	SCONJ
easat-3760	480	6	banks	bank	NOUN
easat-3760	480	7	to	to	PART
easat-3760	480	8	analyze	analyze	VERB
easat-3760	480	9	financial	financial	ADJ
easat-3760	480	10	statements	statement	NOUN
easat-3760	480	11	.	.	PUNCT
easat-3760	481	1	american	american	ADJ
easat-3760	481	2	journal	journal	PROPN
easat-3760	481	3	of	of	ADP
easat-3760	481	4	industrial	industrial	ADJ
easat-3760	481	5	and	and	CCONJ
easat-3760	481	6	business	business	NOUN
easat-3760	481	7	management	management	NOUN
easat-3760	481	8	,	,	PUNCT
easat-3760	481	9	1488–1504	1488–1504	NUM
easat-3760	481	10	.	.	PUNCT
easat-3760	482	1	[	[	X
easat-3760	482	2	26	26	NUM
easat-3760	482	3	]	]	PUNCT
easat-3760	482	4	loen	loen	NOUN
easat-3760	482	5	,	,	PUNCT
easat-3760	482	6	b.	b.	PROPN
easat-3760	482	7	,	,	PUNCT
easat-3760	482	8	&	&	CCONJ
easat-3760	482	9	ericson	ericson	PROPN
easat-3760	482	10	,	,	PUNCT
easat-3760	482	11	s.	s.	PROPN
easat-3760	482	12	(	(	PUNCT
easat-3760	482	13	2008	2008	NUM
easat-3760	482	14	)	)	PUNCT
easat-3760	482	15	.	.	PUNCT
easat-3760	483	1	asset	asset	NOUN
easat-3760	483	2	liability	liability	NOUN
easat-3760	483	3	management	management	NOUN
easat-3760	483	4	of	of	ADP
easat-3760	483	5	foreign	foreign	ADJ
easat-3760	483	6	exchange	exchange	NOUN
easat-3760	483	7	banks	bank	NOUN
easat-3760	483	8	.	.	PUNCT
easat-3760	484	1	jakarta	jakarta	PROPN
easat-3760	484	2	:	:	PUNCT
easat-3760	484	3	pt	pt	PROPN
easat-3760	484	4	grasindo	grasindo	PROPN
easat-3760	484	5	.	.	PUNCT
easat-3760	485	1	[	[	X
easat-3760	485	2	27	27	NUM
easat-3760	485	3	]	]	SYM
easat-3760	485	4	maulidia	maulidia	NOUN
easat-3760	485	5	,	,	PUNCT
easat-3760	485	6	n	n	PROPN
easat-3760	485	7	and	and	CCONJ
easat-3760	485	8	wulandari	wulandari	ADV
easat-3760	485	9	pp	pp	ADJ
easat-3760	485	10	,	,	PUNCT
easat-3760	485	11	2021	2021	NUM
easat-3760	485	12	.	.	PUNCT
easat-3760	486	1	analysis	analysis	NOUN
easat-3760	486	2	of	of	ADP
easat-3760	486	3	bank	bank	NOUN
easat-3760	486	4	financial	financial	ADJ
easat-3760	486	5	performance	performance	NOUN
easat-3760	486	6	during	during	ADP
easat-3760	486	7	the	the	DET
easat-3760	486	8	covid-19	covid-19	PROPN
easat-3760	486	9	pandemic	pandemic	NOUN
easat-3760	486	10	at	at	ADP
easat-3760	486	11	state	state	NOUN
easat-3760	486	12	-	-	PUNCT
easat-3760	486	13	owned	own	VERB
easat-3760	486	14	banks	bank	NOUN
easat-3760	486	15	listed	list	VERB
easat-3760	486	16	on	on	ADP
easat-3760	486	17	the	the	DET
easat-3760	486	18	indonesia	indonesia	PROPN
easat-3760	486	19	stock	stock	PROPN
easat-3760	486	20	exchange	exchange	PROPN
easat-3760	486	21	.	.	PUNCT
easat-3760	487	1	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN