id	sid	tid	token	lemma	pos
easat-4852	1	1	edelweiss	edelweiss	PROPN
easat-4852	1	2	applied	apply	VERB
easat-4852	1	3	science	science	NOUN
easat-4852	1	4	and	and	CCONJ
easat-4852	1	5	technology	technology	NOUN
easat-4852	1	6	issn	issn	PROPN
easat-4852	1	7	:	:	PUNCT
easat-4852	1	8	2576	2576	NUM
easat-4852	1	9	-	-	SYM
easat-4852	1	10	8484	8484	NUM
easat-4852	1	11	vol	vol	NOUN
easat-4852	1	12	.	.	PROPN
easat-4852	2	1	9	9	NUM
easat-4852	2	2	,	,	PUNCT
easat-4852	2	3	no	no	INTJ
easat-4852	2	4	.	.	NOUN
easat-4852	2	5	2	2	NUM
easat-4852	2	6	,	,	PUNCT
easat-4852	2	7	1648	1648	NUM
easat-4852	2	8	-	-	SYM
easat-4852	2	9	1658	1658	NUM
easat-4852	2	10	2025	2025	NUM
easat-4852	2	11	publisher	publisher	NOUN
easat-4852	2	12	:	:	PUNCT
easat-4852	2	13	learning	learn	VERB
easat-4852	2	14	gate	gate	NOUN
easat-4852	2	15	doi	doi	PROPN
easat-4852	2	16	:	:	PUNCT
easat-4852	2	17	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	2	18	©	©	PROPN
easat-4852	2	19	2024	2024	NUM
easat-4852	2	20	by	by	ADP
easat-4852	2	21	the	the	DET
easat-4852	2	22	authors	author	NOUN
easat-4852	2	23	;	;	PUNCT
easat-4852	2	24	licensee	licensee	PROPN
easat-4852	2	25	learning	learning	NOUN
easat-4852	2	26	gate	gate	NOUN
easat-4852	3	1	©	©	PROPN
easat-4852	3	2	2025	2025	NUM
easat-4852	3	3	by	by	ADP
easat-4852	3	4	the	the	DET
easat-4852	3	5	authors	author	NOUN
easat-4852	3	6	;	;	PUNCT
easat-4852	3	7	licensee	licensee	PROPN
easat-4852	3	8	learning	learning	NOUN
easat-4852	3	9	gate	gate	NOUN
easat-4852	3	10	history	history	NOUN
easat-4852	3	11	:	:	PUNCT
easat-4852	3	12	received	receive	VERB
easat-4852	3	13	:	:	PUNCT
easat-4852	3	14	20	20	NUM
easat-4852	3	15	december	december	PROPN
easat-4852	3	16	2024	2024	NUM
easat-4852	3	17	;	;	PUNCT
easat-4852	3	18	revised	revise	VERB
easat-4852	3	19	:	:	PUNCT
easat-4852	3	20	31	31	NUM
easat-4852	3	21	january	january	NOUN
easat-4852	3	22	2025	2025	NUM
easat-4852	3	23	;	;	PUNCT
easat-4852	3	24	accepted	accept	VERB
easat-4852	3	25	:	:	PUNCT
easat-4852	3	26	4	4	NUM
easat-4852	3	27	february	february	NOUN
easat-4852	3	28	2025	2025	NUM
easat-4852	3	29	;	;	PUNCT
easat-4852	3	30	published	publish	VERB
easat-4852	3	31	:	:	PUNCT
easat-4852	4	1	17	17	NUM
easat-4852	4	2	february	february	PROPN
easat-4852	4	3	2025	2025	NUM
easat-4852	4	4	*	*	PUNCT
easat-4852	4	5	correspondence	correspondence	NOUN
easat-4852	4	6	:	:	PUNCT
easat-4852	4	7	ngannb@hvnh.edu.vn	ngannb@hvnh.edu.vn	ADJ
easat-4852	4	8	factors	factor	NOUN
easat-4852	4	9	influencing	influence	VERB
easat-4852	4	10	the	the	DET
easat-4852	4	11	profitability	profitability	NOUN
easat-4852	4	12	of	of	ADP
easat-4852	4	13	vietnamese	vietnamese	ADJ
easat-4852	4	14	commercial	commercial	ADJ
easat-4852	4	15	banks	bank	NOUN
easat-4852	4	16	during	during	ADP
easat-4852	4	17	the	the	DET
easat-4852	4	18	2013	2013	NUM
easat-4852	4	19	-	-	SYM
easat-4852	4	20	2024	2024	NUM
easat-4852	4	21	period	period	NOUN
easat-4852	4	22	ngan	ngan	PROPN
easat-4852	4	23	bich	bich	PROPN
easat-4852	4	24	nguyen1	nguyen1	PROPN
easat-4852	4	25	*	*	PROPN
easat-4852	4	26	,	,	PUNCT
easat-4852	4	27	nhi	nhi	PROPN
easat-4852	4	28	yen	yen	PROPN
easat-4852	4	29	vu2	vu2	X
easat-4852	4	30	1,2banking	1,2banking	NUM
easat-4852	4	31	academy	academy	NOUN
easat-4852	4	32	of	of	ADP
easat-4852	4	33	vietnam	vietnam	PROPN
easat-4852	4	34	,	,	PUNCT
easat-4852	4	35	vietnam	vietnam	PROPN
easat-4852	4	36	;	;	PUNCT
easat-4852	4	37	ngannb@hvnh.edu.vn	ngannb@hvnh.edu.vn	ADJ
easat-4852	4	38	(	(	PUNCT
easat-4852	4	39	n.b.n	n.b.n	NOUN
easat-4852	4	40	.	.	PUNCT
easat-4852	4	41	)	)	PUNCT
easat-4852	5	1	nhivu744@gmail.com	nhivu744@gmail.com	PROPN
easat-4852	6	1	(	(	PUNCT
easat-4852	6	2	n.y.v	n.y.v	NOUN
easat-4852	6	3	.	.	PUNCT
easat-4852	6	4	)	)	PUNCT
easat-4852	7	1	abstract	abstract	NOUN
easat-4852	7	2	:	:	PUNCT
easat-4852	7	3	this	this	DET
easat-4852	7	4	study	study	NOUN
easat-4852	7	5	examines	examine	VERB
easat-4852	7	6	the	the	DET
easat-4852	7	7	factors	factor	NOUN
easat-4852	7	8	influencing	influence	VERB
easat-4852	7	9	the	the	DET
easat-4852	7	10	profitability	profitability	NOUN
easat-4852	7	11	of	of	ADP
easat-4852	7	12	vietnamese	vietnamese	ADJ
easat-4852	7	13	commercial	commercial	ADJ
easat-4852	7	14	banks	bank	NOUN
easat-4852	7	15	from	from	ADP
easat-4852	7	16	2013	2013	NUM
easat-4852	7	17	to	to	ADP
easat-4852	7	18	2024	2024	NUM
easat-4852	7	19	,	,	PUNCT
easat-4852	7	20	a	a	DET
easat-4852	7	21	period	period	NOUN
easat-4852	7	22	marked	mark	VERB
easat-4852	7	23	by	by	ADP
easat-4852	7	24	global	global	ADJ
easat-4852	7	25	financial	financial	ADJ
easat-4852	7	26	fluctuations	fluctuation	NOUN
easat-4852	7	27	,	,	PUNCT
easat-4852	7	28	economic	economic	ADJ
easat-4852	7	29	downturns	downturn	NOUN
easat-4852	7	30	,	,	PUNCT
easat-4852	7	31	and	and	CCONJ
easat-4852	7	32	the	the	DET
easat-4852	7	33	covid-19	covid-19	PROPN
easat-4852	7	34	pandemic	pandemic	NOUN
easat-4852	7	35	.	.	PUNCT
easat-4852	8	1	the	the	DET
easat-4852	8	2	research	research	NOUN
easat-4852	8	3	aims	aim	VERB
easat-4852	8	4	to	to	PART
easat-4852	8	5	identify	identify	VERB
easat-4852	8	6	key	key	ADJ
easat-4852	8	7	determinants	determinant	NOUN
easat-4852	8	8	of	of	ADP
easat-4852	8	9	bank	bank	NOUN
easat-4852	8	10	profitability	profitability	NOUN
easat-4852	8	11	and	and	CCONJ
easat-4852	8	12	propose	propose	VERB
easat-4852	8	13	strategic	strategic	ADJ
easat-4852	8	14	solutions	solution	NOUN
easat-4852	8	15	for	for	ADP
easat-4852	8	16	financial	financial	ADJ
easat-4852	8	17	performance	performance	NOUN
easat-4852	8	18	enhancement	enhancement	NOUN
easat-4852	8	19	.	.	PUNCT
easat-4852	9	1	using	use	VERB
easat-4852	9	2	panel	panel	NOUN
easat-4852	9	3	data	datum	NOUN
easat-4852	9	4	from	from	ADP
easat-4852	9	5	nine	nine	NUM
easat-4852	9	6	vietnamese	vietnamese	ADJ
easat-4852	9	7	commercial	commercial	ADJ
easat-4852	9	8	banks	bank	NOUN
easat-4852	9	9	,	,	PUNCT
easat-4852	9	10	the	the	DET
easat-4852	9	11	study	study	NOUN
easat-4852	9	12	employs	employ	VERB
easat-4852	9	13	various	various	ADJ
easat-4852	9	14	econometric	econometric	ADJ
easat-4852	9	15	techniques	technique	NOUN
easat-4852	9	16	,	,	PUNCT
easat-4852	9	17	including	include	VERB
easat-4852	9	18	pooled	pool	VERB
easat-4852	9	19	ols	ol	NOUN
easat-4852	9	20	,	,	PUNCT
easat-4852	9	21	fixed	fix	VERB
easat-4852	9	22	effects	effect	NOUN
easat-4852	9	23	model	model	NOUN
easat-4852	9	24	(	(	PUNCT
easat-4852	9	25	fem	fem	PROPN
easat-4852	9	26	)	)	PUNCT
easat-4852	9	27	,	,	PUNCT
easat-4852	9	28	random	random	ADJ
easat-4852	9	29	effects	effect	NOUN
easat-4852	9	30	model	model	NOUN
easat-4852	9	31	(	(	PUNCT
easat-4852	9	32	rem	rem	NOUN
easat-4852	9	33	)	)	PUNCT
easat-4852	9	34	,	,	PUNCT
easat-4852	9	35	and	and	CCONJ
easat-4852	9	36	feasible	feasible	ADJ
easat-4852	9	37	generalized	generalized	ADJ
easat-4852	9	38	least	least	ADJ
easat-4852	9	39	squares	square	NOUN
easat-4852	9	40	(	(	PUNCT
easat-4852	9	41	fgls	fgls	NUM
easat-4852	9	42	)	)	PUNCT
easat-4852	9	43	,	,	PUNCT
easat-4852	9	44	to	to	PART
easat-4852	9	45	ensure	ensure	VERB
easat-4852	9	46	robust	robust	ADJ
easat-4852	9	47	findings	finding	NOUN
easat-4852	9	48	.	.	PUNCT
easat-4852	10	1	the	the	DET
easat-4852	10	2	results	result	NOUN
easat-4852	10	3	indicate	indicate	VERB
easat-4852	10	4	that	that	SCONJ
easat-4852	10	5	the	the	DET
easat-4852	10	6	equity	equity	NOUN
easat-4852	10	7	-	-	PUNCT
easat-4852	10	8	to	to	ADP
easat-4852	10	9	-	-	PUNCT
easat-4852	10	10	assets	asset	NOUN
easat-4852	10	11	ratio	ratio	NOUN
easat-4852	10	12	(	(	PUNCT
easat-4852	10	13	ear	ear	NOUN
easat-4852	10	14	)	)	PUNCT
easat-4852	10	15	,	,	PUNCT
easat-4852	10	16	gdp	gdp	NOUN
easat-4852	10	17	growth	growth	NOUN
easat-4852	10	18	,	,	PUNCT
easat-4852	10	19	and	and	CCONJ
easat-4852	10	20	bank	bank	NOUN
easat-4852	10	21	size	size	NOUN
easat-4852	10	22	positively	positively	ADV
easat-4852	10	23	impact	impact	VERB
easat-4852	10	24	return	return	NOUN
easat-4852	10	25	on	on	ADP
easat-4852	10	26	assets	asset	NOUN
easat-4852	10	27	(	(	PUNCT
easat-4852	10	28	roa	roa	NOUN
easat-4852	10	29	)	)	PUNCT
easat-4852	10	30	,	,	PUNCT
easat-4852	10	31	while	while	SCONJ
easat-4852	10	32	non	non	ADJ
easat-4852	10	33	-	-	ADJ
easat-4852	10	34	performing	performing	ADJ
easat-4852	10	35	loans	loan	NOUN
easat-4852	10	36	(	(	PUNCT
easat-4852	10	37	npl	npl	NOUN
easat-4852	10	38	)	)	PUNCT
easat-4852	10	39	,	,	PUNCT
easat-4852	10	40	cost	cost	NOUN
easat-4852	10	41	-	-	PUNCT
easat-4852	10	42	to	to	ADP
easat-4852	10	43	-	-	PUNCT
easat-4852	10	44	income	income	NOUN
easat-4852	10	45	ratio	ratio	NOUN
easat-4852	10	46	(	(	PUNCT
easat-4852	10	47	cir	cir	NOUN
easat-4852	10	48	)	)	PUNCT
easat-4852	10	49	,	,	PUNCT
easat-4852	10	50	and	and	CCONJ
easat-4852	10	51	industry	industry	NOUN
easat-4852	10	52	concentration	concentration	NOUN
easat-4852	10	53	(	(	PUNCT
easat-4852	10	54	cr4	cr4	NOUN
easat-4852	10	55	)	)	PUNCT
easat-4852	10	56	negatively	negatively	ADV
easat-4852	10	57	affect	affect	VERB
easat-4852	10	58	it	it	PRON
easat-4852	10	59	.	.	PUNCT
easat-4852	11	1	for	for	ADP
easat-4852	11	2	net	net	ADJ
easat-4852	11	3	interest	interest	NOUN
easat-4852	11	4	margin	margin	NOUN
easat-4852	11	5	(	(	PUNCT
easat-4852	11	6	nim	nim	NOUN
easat-4852	11	7	)	)	PUNCT
easat-4852	11	8	,	,	PUNCT
easat-4852	11	9	gdp	gdp	NOUN
easat-4852	11	10	growth	growth	NOUN
easat-4852	11	11	,	,	PUNCT
easat-4852	11	12	ear	ear	NOUN
easat-4852	11	13	,	,	PUNCT
easat-4852	11	14	loan	loan	NOUN
easat-4852	11	15	-	-	PUNCT
easat-4852	11	16	to	to	ADP
easat-4852	11	17	-	-	PUNCT
easat-4852	11	18	deposit	deposit	NOUN
easat-4852	11	19	ratio	ratio	NOUN
easat-4852	11	20	(	(	PUNCT
easat-4852	11	21	ldr	ldr	PROPN
easat-4852	11	22	)	)	PUNCT
easat-4852	11	23	,	,	PUNCT
easat-4852	11	24	and	and	CCONJ
easat-4852	11	25	covid-19	covid-19	PROPN
easat-4852	11	26	have	have	VERB
easat-4852	11	27	a	a	DET
easat-4852	11	28	positive	positive	ADJ
easat-4852	11	29	influence	influence	NOUN
easat-4852	11	30	,	,	PUNCT
easat-4852	11	31	whereas	whereas	SCONJ
easat-4852	11	32	cir	cir	NOUN
easat-4852	11	33	exerts	exert	VERB
easat-4852	11	34	a	a	DET
easat-4852	11	35	negative	negative	ADJ
easat-4852	11	36	effect	effect	NOUN
easat-4852	11	37	.	.	PUNCT
easat-4852	12	1	the	the	DET
easat-4852	12	2	study	study	NOUN
easat-4852	12	3	provides	provide	VERB
easat-4852	12	4	practical	practical	ADJ
easat-4852	12	5	recommendations	recommendation	NOUN
easat-4852	12	6	for	for	ADP
easat-4852	12	7	vietnamese	vietnamese	ADJ
easat-4852	12	8	commercial	commercial	ADJ
easat-4852	12	9	banks	bank	NOUN
easat-4852	12	10	,	,	PUNCT
easat-4852	12	11	including	include	VERB
easat-4852	12	12	enhancing	enhance	VERB
easat-4852	12	13	cost	cost	NOUN
easat-4852	12	14	efficiency	efficiency	NOUN
easat-4852	12	15	,	,	PUNCT
easat-4852	12	16	strengthening	strengthen	VERB
easat-4852	12	17	credit	credit	NOUN
easat-4852	12	18	risk	risk	NOUN
easat-4852	12	19	management	management	NOUN
easat-4852	12	20	,	,	PUNCT
easat-4852	12	21	expanding	expand	VERB
easat-4852	12	22	asset	asset	NOUN
easat-4852	12	23	size	size	NOUN
easat-4852	12	24	,	,	PUNCT
easat-4852	12	25	and	and	CCONJ
easat-4852	12	26	adapting	adapt	VERB
easat-4852	12	27	to	to	ADP
easat-4852	12	28	macroeconomic	macroeconomic	ADJ
easat-4852	12	29	fluctuations	fluctuation	NOUN
easat-4852	12	30	.	.	PUNCT
easat-4852	13	1	while	while	SCONJ
easat-4852	13	2	the	the	DET
easat-4852	13	3	research	research	NOUN
easat-4852	13	4	offers	offer	VERB
easat-4852	13	5	valuable	valuable	ADJ
easat-4852	13	6	insights	insight	NOUN
easat-4852	13	7	,	,	PUNCT
easat-4852	13	8	future	future	ADJ
easat-4852	13	9	studies	study	NOUN
easat-4852	13	10	should	should	AUX
easat-4852	13	11	consider	consider	VERB
easat-4852	13	12	additional	additional	ADJ
easat-4852	13	13	factors	factor	NOUN
easat-4852	13	14	such	such	ADJ
easat-4852	13	15	as	as	ADP
easat-4852	13	16	digital	digital	ADJ
easat-4852	13	17	transformation	transformation	NOUN
easat-4852	13	18	and	and	CCONJ
easat-4852	13	19	international	international	ADJ
easat-4852	13	20	governance	governance	NOUN
easat-4852	13	21	standards	standard	NOUN
easat-4852	13	22	to	to	PART
easat-4852	13	23	provide	provide	VERB
easat-4852	13	24	a	a	DET
easat-4852	13	25	more	more	ADV
easat-4852	13	26	comprehensive	comprehensive	ADJ
easat-4852	13	27	analysis	analysis	NOUN
easat-4852	13	28	.	.	PUNCT
easat-4852	14	1	keywords	keyword	NOUN
easat-4852	14	2	:	:	PUNCT
easat-4852	14	3	credit	credit	NOUN
easat-4852	14	4	risk	risk	NOUN
easat-4852	14	5	,	,	PUNCT
easat-4852	14	6	financial	financial	ADJ
easat-4852	14	7	performance	performance	NOUN
easat-4852	14	8	,	,	PUNCT
easat-4852	14	9	macroeconomic	macroeconomic	ADJ
easat-4852	14	10	factors	factor	NOUN
easat-4852	14	11	,	,	PUNCT
easat-4852	14	12	nim	nim	NOUN
easat-4852	14	13	,	,	PUNCT
easat-4852	14	14	profitability	profitability	NOUN
easat-4852	14	15	,	,	PUNCT
easat-4852	14	16	roa	roa	PROPN
easat-4852	14	17	,	,	PUNCT
easat-4852	14	18	vietnamese	vietnamese	ADJ
easat-4852	14	19	commercial	commercial	ADJ
easat-4852	14	20	banks	bank	NOUN
easat-4852	14	21	.	.	PUNCT
easat-4852	15	1	1	1	X
easat-4852	15	2	.	.	X
easat-4852	15	3	introduction	introduction	NOUN
easat-4852	15	4	profitability	profitability	NOUN
easat-4852	15	5	has	have	AUX
easat-4852	15	6	always	always	ADV
easat-4852	15	7	been	be	AUX
easat-4852	15	8	the	the	DET
easat-4852	15	9	primary	primary	ADJ
easat-4852	15	10	objective	objective	NOUN
easat-4852	15	11	of	of	ADP
easat-4852	15	12	any	any	DET
easat-4852	15	13	business	business	NOUN
easat-4852	15	14	organization	organization	NOUN
easat-4852	15	15	,	,	PUNCT
easat-4852	15	16	and	and	CCONJ
easat-4852	15	17	commercial	commercial	ADJ
easat-4852	15	18	banks	bank	NOUN
easat-4852	15	19	are	be	AUX
easat-4852	15	20	no	no	DET
easat-4852	15	21	exception	exception	NOUN
easat-4852	15	22	[	[	X
easat-4852	15	23	1	1	NUM
easat-4852	15	24	,	,	PUNCT
easat-4852	15	25	2	2	NUM
easat-4852	15	26	]	]	PUNCT
easat-4852	15	27	.	.	PUNCT
easat-4852	16	1	therefore	therefore	ADV
easat-4852	16	2	,	,	PUNCT
easat-4852	16	3	assessing	assess	VERB
easat-4852	16	4	the	the	DET
easat-4852	16	5	profitability	profitability	NOUN
easat-4852	16	6	of	of	ADP
easat-4852	16	7	cbs	cbs	PROPN
easat-4852	16	8	plays	play	VERB
easat-4852	16	9	a	a	DET
easat-4852	16	10	crucial	crucial	ADJ
easat-4852	16	11	role	role	NOUN
easat-4852	16	12	in	in	ADP
easat-4852	16	13	determining	determine	VERB
easat-4852	16	14	the	the	DET
easat-4852	16	15	stability	stability	NOUN
easat-4852	16	16	and	and	CCONJ
easat-4852	16	17	development	development	NOUN
easat-4852	16	18	not	not	PART
easat-4852	16	19	only	only	ADV
easat-4852	16	20	of	of	ADP
easat-4852	16	21	individual	individual	ADJ
easat-4852	16	22	banks	bank	NOUN
easat-4852	16	23	but	but	CCONJ
easat-4852	16	24	also	also	ADV
easat-4852	16	25	of	of	ADP
easat-4852	16	26	the	the	DET
easat-4852	16	27	banking	banking	NOUN
easat-4852	16	28	sector	sector	NOUN
easat-4852	16	29	as	as	ADP
easat-4852	16	30	a	a	DET
easat-4852	16	31	whole	whole	NOUN
easat-4852	16	32	.	.	PUNCT
easat-4852	17	1	in	in	ADP
easat-4852	17	2	the	the	DET
easat-4852	17	3	context	context	NOUN
easat-4852	17	4	of	of	ADP
easat-4852	17	5	international	international	ADJ
easat-4852	17	6	economic	economic	ADJ
easat-4852	17	7	integration	integration	NOUN
easat-4852	17	8	,	,	PUNCT
easat-4852	17	9	particularly	particularly	ADV
easat-4852	17	10	with	with	ADP
easat-4852	17	11	vietnam	vietnam	PROPN
easat-4852	17	12	’s	’s	PART
easat-4852	17	13	participation	participation	NOUN
easat-4852	17	14	in	in	ADP
easat-4852	17	15	free	free	ADJ
easat-4852	17	16	trade	trade	NOUN
easat-4852	17	17	agreements	agreement	NOUN
easat-4852	17	18	(	(	PUNCT
easat-4852	17	19	ftas	fta	NOUN
easat-4852	17	20	)	)	PUNCT
easat-4852	17	21	,	,	PUNCT
easat-4852	17	22	studying	study	VERB
easat-4852	17	23	the	the	DET
easat-4852	17	24	factors	factor	NOUN
easat-4852	17	25	influencing	influence	VERB
easat-4852	17	26	profitability	profitability	NOUN
easat-4852	17	27	enables	enable	VERB
easat-4852	17	28	commercial	commercial	ADJ
easat-4852	17	29	banks	bank	NOUN
easat-4852	17	30	to	to	PART
easat-4852	17	31	identify	identify	VERB
easat-4852	17	32	and	and	CCONJ
easat-4852	17	33	adjust	adjust	VERB
easat-4852	17	34	controllable	controllable	ADJ
easat-4852	17	35	factors	factor	NOUN
easat-4852	17	36	to	to	PART
easat-4852	17	37	enhance	enhance	VERB
easat-4852	17	38	their	their	PRON
easat-4852	17	39	profit	profit	NOUN
easat-4852	17	40	margins	margin	NOUN
easat-4852	17	41	and	and	CCONJ
easat-4852	17	42	global	global	ADJ
easat-4852	17	43	competitiveness	competitiveness	NOUN
easat-4852	17	44	.	.	PUNCT
easat-4852	18	1	between	between	ADP
easat-4852	18	2	2013	2013	NUM
easat-4852	18	3	and	and	CCONJ
easat-4852	18	4	2024	2024	NUM
easat-4852	18	5	,	,	PUNCT
easat-4852	18	6	in	in	ADP
easat-4852	18	7	addition	addition	NOUN
easat-4852	18	8	to	to	ADP
easat-4852	18	9	significant	significant	ADJ
easat-4852	18	10	growth	growth	NOUN
easat-4852	18	11	,	,	PUNCT
easat-4852	18	12	vietnamese	vietnamese	PROPN
easat-4852	18	13	cbs	cbs	PROPN
easat-4852	18	14	have	have	AUX
easat-4852	18	15	faced	face	VERB
easat-4852	18	16	major	major	ADJ
easat-4852	18	17	fluctuations	fluctuation	NOUN
easat-4852	18	18	,	,	PUNCT
easat-4852	18	19	including	include	VERB
easat-4852	18	20	the	the	DET
easat-4852	18	21	global	global	ADJ
easat-4852	18	22	financial	financial	ADJ
easat-4852	18	23	crisis	crisis	NOUN
easat-4852	18	24	,	,	PUNCT
easat-4852	18	25	economic	economic	ADJ
easat-4852	18	26	recessions	recession	NOUN
easat-4852	18	27	,	,	PUNCT
easat-4852	18	28	and	and	CCONJ
easat-4852	18	29	,	,	PUNCT
easat-4852	18	30	more	more	ADV
easat-4852	18	31	recently	recently	ADV
easat-4852	18	32	,	,	PUNCT
easat-4852	18	33	the	the	DET
easat-4852	18	34	impact	impact	NOUN
easat-4852	18	35	of	of	ADP
easat-4852	18	36	the	the	DET
easat-4852	18	37	covid-19	covid-19	PROPN
easat-4852	18	38	pandemic	pandemic	NOUN
easat-4852	18	39	.	.	PUNCT
easat-4852	19	1	these	these	DET
easat-4852	19	2	factors	factor	NOUN
easat-4852	19	3	have	have	AUX
easat-4852	19	4	posed	pose	VERB
easat-4852	19	5	considerable	considerable	ADJ
easat-4852	19	6	challenges	challenge	NOUN
easat-4852	19	7	for	for	ADP
easat-4852	19	8	banks	bank	NOUN
easat-4852	19	9	,	,	PUNCT
easat-4852	19	10	making	make	VERB
easat-4852	19	11	research	research	NOUN
easat-4852	19	12	on	on	ADP
easat-4852	19	13	the	the	DET
easat-4852	19	14	determinants	determinant	NOUN
easat-4852	19	15	of	of	ADP
easat-4852	19	16	profitability	profitability	NOUN
easat-4852	19	17	particularly	particularly	ADV
easat-4852	19	18	essential	essential	ADJ
easat-4852	19	19	.	.	PUNCT
easat-4852	20	1	previous	previous	ADJ
easat-4852	20	2	studies	study	NOUN
easat-4852	20	3	have	have	AUX
easat-4852	20	4	not	not	PART
easat-4852	20	5	incorporated	incorporate	VERB
easat-4852	20	6	recent	recent	ADJ
easat-4852	20	7	data	datum	NOUN
easat-4852	20	8	,	,	PUNCT
easat-4852	20	9	leading	lead	VERB
easat-4852	20	10	to	to	ADP
easat-4852	20	11	findings	finding	NOUN
easat-4852	20	12	that	that	PRON
easat-4852	20	13	may	may	AUX
easat-4852	20	14	not	not	PART
easat-4852	20	15	fully	fully	ADV
easat-4852	20	16	capture	capture	VERB
easat-4852	20	17	the	the	DET
easat-4852	20	18	current	current	ADJ
easat-4852	20	19	impact	impact	NOUN
easat-4852	20	20	of	of	ADP
easat-4852	20	21	various	various	ADJ
easat-4852	20	22	factors	factor	NOUN
easat-4852	20	23	on	on	ADP
easat-4852	20	24	vietnamese	vietnamese	ADJ
easat-4852	20	25	banks	bank	NOUN
easat-4852	20	26	’	'	PUNCT
easat-4852	20	27	profitability	profitability	NOUN
easat-4852	20	28	.	.	PUNCT
easat-4852	21	1	therefore	therefore	ADV
easat-4852	21	2	,	,	PUNCT
easat-4852	21	3	this	this	DET
easat-4852	21	4	study	study	NOUN
easat-4852	21	5	aims	aim	VERB
easat-4852	21	6	to	to	PART
easat-4852	21	7	contribute	contribute	VERB
easat-4852	21	8	to	to	ADP
easat-4852	21	9	the	the	DET
easat-4852	21	10	existing	exist	VERB
easat-4852	21	11	body	body	NOUN
easat-4852	21	12	of	of	ADP
easat-4852	21	13	research	research	NOUN
easat-4852	21	14	by	by	ADP
easat-4852	21	15	identifying	identify	VERB
easat-4852	21	16	key	key	ADJ
easat-4852	21	17	factors	factor	NOUN
easat-4852	21	18	affecting	affect	VERB
easat-4852	21	19	the	the	DET
easat-4852	21	20	profitability	profitability	NOUN
easat-4852	21	21	of	of	ADP
easat-4852	21	22	vietnamese	vietnamese	ADJ
easat-4852	21	23	commercial	commercial	ADJ
easat-4852	21	24	banks	bank	NOUN
easat-4852	21	25	and	and	CCONJ
easat-4852	21	26	proposing	propose	VERB
easat-4852	21	27	solutions	solution	NOUN
easat-4852	21	28	to	to	PART
easat-4852	21	29	enhance	enhance	VERB
easat-4852	21	30	their	their	PRON
easat-4852	21	31	financial	financial	ADJ
easat-4852	21	32	performance	performance	NOUN
easat-4852	21	33	.	.	PUNCT
easat-4852	22	1	to	to	PART
easat-4852	22	2	achieve	achieve	VERB
easat-4852	22	3	this	this	DET
easat-4852	22	4	objective	objective	NOUN
easat-4852	22	5	,	,	PUNCT
easat-4852	22	6	three	three	NUM
easat-4852	22	7	main	main	ADJ
easat-4852	22	8	research	research	NOUN
easat-4852	22	9	questions	question	NOUN
easat-4852	22	10	are	be	AUX
easat-4852	22	11	addressed	address	VERB
easat-4852	22	12	:	:	PUNCT
easat-4852	22	13	(	(	PUNCT
easat-4852	22	14	i	i	NOUN
easat-4852	22	15	)	)	PUNCT
easat-4852	22	16	what	what	DET
easat-4852	22	17	factors	factor	NOUN
easat-4852	22	18	influence	influence	VERB
easat-4852	22	19	the	the	DET
easat-4852	22	20	profitability	profitability	NOUN
easat-4852	22	21	of	of	ADP
easat-4852	22	22	vietnamese	vietnamese	ADJ
easat-4852	22	23	commercial	commercial	ADJ
easat-4852	22	24	banks	bank	NOUN
easat-4852	22	25	?	?	PUNCT
easat-4852	23	1	(	(	PUNCT
easat-4852	23	2	ii	ii	NOUN
easat-4852	23	3	)	)	PUNCT
easat-4852	23	4	to	to	ADP
easat-4852	23	5	what	what	DET
easat-4852	23	6	extent	extent	NOUN
easat-4852	23	7	and	and	CCONJ
easat-4852	23	8	in	in	ADP
easat-4852	23	9	what	what	DET
easat-4852	23	10	direction	direction	NOUN
easat-4852	23	11	do	do	AUX
easat-4852	23	12	these	these	DET
easat-4852	23	13	factors	factor	NOUN
easat-4852	23	14	affect	affect	VERB
easat-4852	23	15	profitability	profitability	NOUN
easat-4852	23	16	?	?	PUNCT
easat-4852	24	1	and	and	CCONJ
easat-4852	24	2	(	(	PUNCT
easat-4852	24	3	iii	iii	X
easat-4852	24	4	)	)	PUNCT
easat-4852	24	5	what	what	DET
easat-4852	24	6	measures	measure	NOUN
easat-4852	24	7	can	can	AUX
easat-4852	24	8	help	help	VERB
easat-4852	24	9	vietnamese	vietnamese	ADJ
easat-4852	24	10	commercial	commercial	ADJ
easat-4852	24	11	banks	bank	NOUN
easat-4852	24	12	sustainably	sustainably	ADV
easat-4852	24	13	improve	improve	VERB
easat-4852	24	14	their	their	PRON
easat-4852	24	15	profitability	profitability	NOUN
easat-4852	24	16	?	?	PUNCT
easat-4852	25	1	apart	apart	ADV
easat-4852	25	2	from	from	ADP
easat-4852	25	3	the	the	DET
easat-4852	25	4	introduction	introduction	NOUN
easat-4852	25	5	,	,	PUNCT
easat-4852	25	6	1649	1649	NUM
easat-4852	25	7	edelweiss	edelweiss	PROPN
easat-4852	25	8	applied	apply	VERB
easat-4852	25	9	science	science	NOUN
easat-4852	25	10	and	and	CCONJ
easat-4852	25	11	technology	technology	NOUN
easat-4852	25	12	issn	issn	PROPN
easat-4852	25	13	:	:	PUNCT
easat-4852	25	14	2576	2576	NUM
easat-4852	25	15	-	-	SYM
easat-4852	25	16	8484	8484	NUM
easat-4852	25	17	vol	vol	NOUN
easat-4852	25	18	.	.	PROPN
easat-4852	26	1	9	9	NUM
easat-4852	26	2	,	,	PUNCT
easat-4852	26	3	no	no	INTJ
easat-4852	26	4	.	.	NOUN
easat-4852	26	5	2	2	NUM
easat-4852	26	6	:	:	PUNCT
easat-4852	26	7	1648	1648	NUM
easat-4852	26	8	-	-	SYM
easat-4852	26	9	1658	1658	NUM
easat-4852	26	10	,	,	PUNCT
easat-4852	26	11	2025	2025	NUM
easat-4852	26	12	doi	doi	NOUN
easat-4852	26	13	:	:	PUNCT
easat-4852	26	14	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	26	15	©	©	PROPN
easat-4852	26	16	2025	2025	NUM
easat-4852	26	17	by	by	ADP
easat-4852	26	18	the	the	DET
easat-4852	26	19	authors	author	NOUN
easat-4852	26	20	;	;	PUNCT
easat-4852	26	21	licensee	licensee	PROPN
easat-4852	26	22	learning	learn	VERB
easat-4852	26	23	gate	gate	PROPN
easat-4852	26	24	conclusion	conclusion	NOUN
easat-4852	26	25	,	,	PUNCT
easat-4852	26	26	references	reference	NOUN
easat-4852	26	27	and	and	CCONJ
easat-4852	26	28	appendices	appendix	NOUN
easat-4852	26	29	,	,	PUNCT
easat-4852	26	30	this	this	DET
easat-4852	26	31	study	study	NOUN
easat-4852	26	32	is	be	AUX
easat-4852	26	33	structured	structure	VERB
easat-4852	26	34	into	into	ADP
easat-4852	26	35	the	the	DET
easat-4852	26	36	following	follow	VERB
easat-4852	26	37	sections	section	NOUN
easat-4852	26	38	:	:	PUNCT
easat-4852	26	39	literature	literature	PROPN
easat-4852	26	40	review	review	PROPN
easat-4852	26	41	,	,	PUNCT
easat-4852	26	42	research	research	NOUN
easat-4852	26	43	methodology	methodology	NOUN
easat-4852	26	44	,	,	PUNCT
easat-4852	26	45	research	research	NOUN
easat-4852	26	46	findings	finding	NOUN
easat-4852	26	47	,	,	PUNCT
easat-4852	26	48	and	and	CCONJ
easat-4852	26	49	result	result	VERB
easat-4852	26	50	discussion	discussion	NOUN
easat-4852	26	51	.	.	PUNCT
easat-4852	27	1	2	2	X
easat-4852	27	2	.	.	X
easat-4852	27	3	literature	literature	PROPN
easat-4852	27	4	review	review	PROPN
easat-4852	27	5	literature	literature	NOUN
easat-4852	27	6	on	on	ADP
easat-4852	27	7	this	this	DET
easat-4852	27	8	topic	topic	NOUN
easat-4852	27	9	is	be	AUX
easat-4852	27	10	widely	widely	ADV
easat-4852	27	11	prevalent	prevalent	ADJ
easat-4852	27	12	across	across	ADP
easat-4852	27	13	the	the	DET
easat-4852	27	14	globe	globe	NOUN
easat-4852	27	15	,	,	PUNCT
easat-4852	27	16	employing	employ	VERB
easat-4852	27	17	diverse	diverse	ADJ
easat-4852	27	18	research	research	NOUN
easat-4852	27	19	samples	sample	NOUN
easat-4852	27	20	and	and	CCONJ
easat-4852	27	21	methodologies	methodology	NOUN
easat-4852	27	22	.	.	PUNCT
easat-4852	28	1	notable	notable	ADJ
easat-4852	28	2	studies	study	NOUN
easat-4852	28	3	in	in	ADP
easat-4852	28	4	emerging	emerge	VERB
easat-4852	28	5	and	and	CCONJ
easat-4852	28	6	developing	develop	VERB
easat-4852	28	7	markets	market	NOUN
easat-4852	28	8	are	be	AUX
easat-4852	28	9	as	as	SCONJ
easat-4852	28	10	follows	follow	VERB
easat-4852	28	11	.	.	PUNCT
easat-4852	29	1	for	for	SCONJ
easat-4852	29	2	chinese	chinese	ADJ
easat-4852	29	3	banks	bank	NOUN
easat-4852	29	4	,	,	PUNCT
easat-4852	29	5	koroleva	koroleva	PROPN
easat-4852	29	6	,	,	PUNCT
easat-4852	29	7	et	et	PROPN
easat-4852	29	8	al	al	PROPN
easat-4852	29	9	.	.	PUNCT
easat-4852	30	1	[	[	X
easat-4852	30	2	3	3	X
easat-4852	30	3	]	]	PUNCT
easat-4852	30	4	found	find	VERB
easat-4852	30	5	that	that	SCONJ
easat-4852	30	6	bank	bank	NOUN
easat-4852	30	7	size	size	NOUN
easat-4852	30	8	,	,	PUNCT
easat-4852	30	9	credit	credit	NOUN
easat-4852	30	10	quality	quality	NOUN
easat-4852	30	11	,	,	PUNCT
easat-4852	30	12	and	and	CCONJ
easat-4852	30	13	liquidity	liquidity	NOUN
easat-4852	30	14	are	be	AUX
easat-4852	30	15	significant	significant	ADJ
easat-4852	30	16	internal	internal	ADJ
easat-4852	30	17	factors	factor	NOUN
easat-4852	30	18	positively	positively	ADV
easat-4852	30	19	influencing	influence	VERB
easat-4852	30	20	bank	bank	NOUN
easat-4852	30	21	profitability	profitability	NOUN
easat-4852	30	22	.	.	PUNCT
easat-4852	31	1	state	state	NOUN
easat-4852	31	2	-	-	PUNCT
easat-4852	31	3	owned	own	VERB
easat-4852	31	4	banks	bank	NOUN
easat-4852	31	5	tend	tend	VERB
easat-4852	31	6	to	to	PART
easat-4852	31	7	achieve	achieve	VERB
easat-4852	31	8	higher	high	ADJ
easat-4852	31	9	profitability	profitability	NOUN
easat-4852	31	10	than	than	ADP
easat-4852	31	11	other	other	ADJ
easat-4852	31	12	banks	bank	NOUN
easat-4852	31	13	due	due	ADJ
easat-4852	31	14	to	to	ADP
easat-4852	31	15	their	their	PRON
easat-4852	31	16	larger	large	ADJ
easat-4852	31	17	size	size	NOUN
easat-4852	31	18	,	,	PUNCT
easat-4852	31	19	relatively	relatively	ADV
easat-4852	31	20	higher	high	ADJ
easat-4852	31	21	credit	credit	NOUN
easat-4852	31	22	ratings	rating	NOUN
easat-4852	31	23	,	,	PUNCT
easat-4852	31	24	and	and	CCONJ
easat-4852	31	25	greater	great	ADJ
easat-4852	31	26	liquidity	liquidity	NOUN
easat-4852	31	27	.	.	PUNCT
easat-4852	32	1	on	on	ADP
easat-4852	32	2	the	the	DET
easat-4852	32	3	other	other	ADJ
easat-4852	32	4	hand	hand	NOUN
easat-4852	32	5	,	,	PUNCT
easat-4852	32	6	external	external	ADJ
easat-4852	32	7	factors	factor	NOUN
easat-4852	32	8	,	,	PUNCT
easat-4852	32	9	represented	represent	VERB
easat-4852	32	10	by	by	ADP
easat-4852	32	11	the	the	DET
easat-4852	32	12	standardized	standardized	ADJ
easat-4852	32	13	residuals	residual	NOUN
easat-4852	32	14	of	of	ADP
easat-4852	32	15	gdp	gdp	NOUN
easat-4852	32	16	,	,	PUNCT
easat-4852	32	17	were	be	AUX
easat-4852	32	18	found	find	VERB
easat-4852	32	19	to	to	PART
easat-4852	32	20	have	have	VERB
easat-4852	32	21	an	an	DET
easat-4852	32	22	adverse	adverse	ADJ
easat-4852	32	23	impact	impact	NOUN
easat-4852	32	24	on	on	ADP
easat-4852	32	25	bank	bank	NOUN
easat-4852	32	26	profitability	profitability	NOUN
easat-4852	32	27	.	.	PUNCT
easat-4852	33	1	macroeconomic	macroeconomic	ADJ
easat-4852	33	2	determinants	determinant	NOUN
easat-4852	33	3	such	such	ADJ
easat-4852	33	4	as	as	ADP
easat-4852	33	5	gdp	gdp	NOUN
easat-4852	33	6	and	and	CCONJ
easat-4852	33	7	inflation	inflation	NOUN
easat-4852	33	8	rates	rate	NOUN
easat-4852	33	9	were	be	AUX
easat-4852	33	10	reported	report	VERB
easat-4852	33	11	by	by	ADP
easat-4852	33	12	ngweshemi	ngweshemi	NOUN
easat-4852	33	13	and	and	CCONJ
easat-4852	33	14	isiksal	isiksal	VERB
easat-4852	33	15	[	[	X
easat-4852	33	16	4	4	X
easat-4852	33	17	]	]	PUNCT
easat-4852	33	18	to	to	PART
easat-4852	33	19	have	have	VERB
easat-4852	33	20	no	no	DET
easat-4852	33	21	significant	significant	ADJ
easat-4852	33	22	effect	effect	NOUN
easat-4852	33	23	on	on	ADP
easat-4852	33	24	profitability	profitability	NOUN
easat-4852	33	25	of	of	ADP
easat-4852	33	26	commercial	commercial	ADJ
easat-4852	33	27	banks	bank	NOUN
easat-4852	33	28	in	in	ADP
easat-4852	33	29	tanzania	tanzania	PROPN
easat-4852	33	30	.	.	PUNCT
easat-4852	34	1	their	their	PRON
easat-4852	34	2	empirical	empirical	ADJ
easat-4852	34	3	findings	finding	NOUN
easat-4852	34	4	suggest	suggest	VERB
easat-4852	34	5	that	that	SCONJ
easat-4852	34	6	bank	bank	NOUN
easat-4852	34	7	-	-	PUNCT
easat-4852	34	8	specific	specific	ADJ
easat-4852	34	9	factors	factor	NOUN
easat-4852	34	10	,	,	PUNCT
easat-4852	34	11	which	which	PRON
easat-4852	34	12	are	be	AUX
easat-4852	34	13	directly	directly	ADV
easat-4852	34	14	controlled	control	VERB
easat-4852	34	15	by	by	ADP
easat-4852	34	16	management	management	NOUN
easat-4852	34	17	,	,	PUNCT
easat-4852	34	18	explain	explain	VERB
easat-4852	34	19	profitability	profitability	NOUN
easat-4852	34	20	more	more	ADV
easat-4852	34	21	effectively	effectively	ADV
easat-4852	34	22	than	than	ADP
easat-4852	34	23	macroeconomic	macroeconomic	ADJ
easat-4852	34	24	variables	variable	NOUN
easat-4852	34	25	,	,	PUNCT
easat-4852	34	26	which	which	PRON
easat-4852	34	27	lie	lie	VERB
easat-4852	34	28	beyond	beyond	ADP
easat-4852	34	29	their	their	PRON
easat-4852	34	30	direct	direct	ADJ
easat-4852	34	31	control	control	NOUN
easat-4852	34	32	.	.	PUNCT
easat-4852	35	1	in	in	ADP
easat-4852	35	2	the	the	DET
easat-4852	35	3	case	case	NOUN
easat-4852	35	4	of	of	ADP
easat-4852	35	5	indonesia	indonesia	PROPN
easat-4852	35	6	,	,	PUNCT
easat-4852	35	7	hasan	hasan	PROPN
easat-4852	35	8	,	,	PUNCT
easat-4852	35	9	et	et	PROPN
easat-4852	35	10	al	al	PROPN
easat-4852	35	11	.	.	PUNCT
easat-4852	36	1	[	[	X
easat-4852	36	2	5	5	NUM
easat-4852	36	3	]	]	PUNCT
easat-4852	36	4	investigated	investigate	VERB
easat-4852	36	5	the	the	DET
easat-4852	36	6	impact	impact	NOUN
easat-4852	36	7	of	of	ADP
easat-4852	36	8	bank	bank	NOUN
easat-4852	36	9	profitability	profitability	NOUN
easat-4852	36	10	using	use	VERB
easat-4852	36	11	roa	roa	PROPN
easat-4852	36	12	and	and	CCONJ
easat-4852	36	13	roe	roe	PROPN
easat-4852	36	14	as	as	ADP
easat-4852	36	15	dependent	dependent	ADJ
easat-4852	36	16	variables	variable	NOUN
easat-4852	36	17	.	.	PUNCT
easat-4852	37	1	their	their	PRON
easat-4852	37	2	findings	finding	NOUN
easat-4852	37	3	indicate	indicate	VERB
easat-4852	37	4	that	that	SCONJ
easat-4852	37	5	several	several	ADJ
easat-4852	37	6	factors	factor	NOUN
easat-4852	37	7	,	,	PUNCT
easat-4852	37	8	including	include	VERB
easat-4852	37	9	net	net	ADJ
easat-4852	37	10	interest	interest	NOUN
easat-4852	37	11	margin	margin	NOUN
easat-4852	37	12	,	,	PUNCT
easat-4852	37	13	capital	capital	NOUN
easat-4852	37	14	ratio	ratio	NOUN
easat-4852	37	15	,	,	PUNCT
easat-4852	37	16	and	and	CCONJ
easat-4852	37	17	liquidity	liquidity	NOUN
easat-4852	37	18	,	,	PUNCT
easat-4852	37	19	significantly	significantly	ADV
easat-4852	37	20	influence	influence	VERB
easat-4852	37	21	bank	bank	NOUN
easat-4852	37	22	profitability	profitability	NOUN
easat-4852	37	23	.	.	PUNCT
easat-4852	38	1	according	accord	VERB
easat-4852	38	2	to	to	ADP
easat-4852	38	3	abdulkabir	abdulkabir	NOUN
easat-4852	38	4	,	,	PUNCT
easat-4852	38	5	et	et	PROPN
easat-4852	38	6	al	al	PROPN
easat-4852	38	7	.	.	PUNCT
easat-4852	39	1	[	[	X
easat-4852	39	2	6	6	NUM
easat-4852	39	3	]	]	PUNCT
easat-4852	39	4	capital	capital	NOUN
easat-4852	39	5	structure	structure	NOUN
easat-4852	39	6	and	and	CCONJ
easat-4852	39	7	operating	operating	NOUN
easat-4852	39	8	costs	cost	NOUN
easat-4852	39	9	exhibit	exhibit	VERB
easat-4852	39	10	an	an	DET
easat-4852	39	11	inverse	inverse	NOUN
easat-4852	39	12	correlation	correlation	NOUN
easat-4852	39	13	.	.	PUNCT
easat-4852	40	1	for	for	ADP
easat-4852	40	2	the	the	DET
easat-4852	40	3	period	period	NOUN
easat-4852	40	4	2013–2017	2013–2017	NUM
easat-4852	40	5	,	,	PUNCT
easat-4852	40	6	islam	islam	PROPN
easat-4852	40	7	and	and	CCONJ
easat-4852	40	8	rana	rana	PROPN
easat-4852	40	9	[	[	X
easat-4852	40	10	7	7	X
easat-4852	40	11	]	]	PUNCT
easat-4852	40	12	examined	examine	VERB
easat-4852	40	13	the	the	DET
easat-4852	40	14	determinants	determinant	NOUN
easat-4852	40	15	of	of	ADP
easat-4852	40	16	bank	bank	NOUN
easat-4852	40	17	profitability	profitability	NOUN
easat-4852	40	18	among	among	ADP
easat-4852	40	19	commercial	commercial	ADJ
easat-4852	40	20	banks	bank	NOUN
easat-4852	40	21	in	in	ADP
easat-4852	40	22	bangladesh	bangladesh	NOUN
easat-4852	40	23	.	.	PUNCT
easat-4852	41	1	they	they	PRON
easat-4852	41	2	used	use	VERB
easat-4852	41	3	roa	roa	PROPN
easat-4852	41	4	,	,	PUNCT
easat-4852	41	5	roe	roe	NOUN
easat-4852	41	6	,	,	PUNCT
easat-4852	41	7	and	and	CCONJ
easat-4852	41	8	net	net	ADJ
easat-4852	41	9	interest	interest	NOUN
easat-4852	41	10	margin	margin	NOUN
easat-4852	41	11	(	(	PUNCT
easat-4852	41	12	nim	nim	NOUN
easat-4852	41	13	)	)	PUNCT
easat-4852	41	14	as	as	ADP
easat-4852	41	15	profitability	profitability	NOUN
easat-4852	41	16	measures	measure	NOUN
easat-4852	41	17	.	.	PUNCT
easat-4852	42	1	the	the	DET
easat-4852	42	2	study	study	NOUN
easat-4852	42	3	found	find	VERB
easat-4852	42	4	that	that	SCONJ
easat-4852	42	5	while	while	SCONJ
easat-4852	42	6	income	income	NOUN
easat-4852	42	7	variables	variable	NOUN
easat-4852	42	8	and	and	CCONJ
easat-4852	42	9	asset	asset	NOUN
easat-4852	42	10	quality	quality	NOUN
easat-4852	42	11	had	have	VERB
easat-4852	42	12	a	a	DET
easat-4852	42	13	significant	significant	ADJ
easat-4852	42	14	positive	positive	ADJ
easat-4852	42	15	relationship	relationship	NOUN
easat-4852	42	16	with	with	ADP
easat-4852	42	17	roa	roa	PROPN
easat-4852	42	18	,	,	PUNCT
easat-4852	42	19	capital	capital	NOUN
easat-4852	42	20	strength	strength	NOUN
easat-4852	42	21	did	do	VERB
easat-4852	42	22	not	not	PART
easat-4852	42	23	.	.	PUNCT
easat-4852	43	1	additionally	additionally	ADV
easat-4852	43	2	,	,	PUNCT
easat-4852	43	3	gdp	gdp	NOUN
easat-4852	43	4	,	,	PUNCT
easat-4852	43	5	interest	interest	NOUN
easat-4852	43	6	rates	rate	NOUN
easat-4852	43	7	,	,	PUNCT
easat-4852	43	8	and	and	CCONJ
easat-4852	43	9	the	the	DET
easat-4852	43	10	inflation	inflation	NOUN
easat-4852	43	11	rate	rate	NOUN
easat-4852	43	12	were	be	AUX
easat-4852	43	13	found	find	VERB
easat-4852	43	14	to	to	PART
easat-4852	43	15	have	have	VERB
easat-4852	43	16	no	no	DET
easat-4852	43	17	significant	significant	ADJ
easat-4852	43	18	effect	effect	NOUN
easat-4852	43	19	on	on	ADP
easat-4852	43	20	bank	bank	NOUN
easat-4852	43	21	profitability	profitability	NOUN
easat-4852	43	22	.	.	PUNCT
easat-4852	44	1	sanyaolu	sanyaolu	PROPN
easat-4852	45	1	[	[	X
easat-4852	45	2	8	8	NUM
easat-4852	45	3	]	]	PUNCT
easat-4852	45	4	employed	employ	VERB
easat-4852	45	5	a	a	DET
easat-4852	45	6	fixed	fix	VERB
easat-4852	45	7	-	-	PUNCT
easat-4852	45	8	effects	effect	NOUN
easat-4852	45	9	regression	regression	NOUN
easat-4852	45	10	model	model	NOUN
easat-4852	45	11	to	to	PART
easat-4852	45	12	analyze	analyze	VERB
easat-4852	45	13	the	the	DET
easat-4852	45	14	determinants	determinant	NOUN
easat-4852	45	15	of	of	ADP
easat-4852	45	16	bank	bank	NOUN
easat-4852	45	17	profitability	profitability	NOUN
easat-4852	45	18	in	in	ADP
easat-4852	45	19	nigeria	nigeria	PROPN
easat-4852	45	20	from	from	ADP
easat-4852	45	21	2008	2008	NUM
easat-4852	45	22	to	to	ADP
easat-4852	45	23	2017	2017	NUM
easat-4852	45	24	.	.	PUNCT
easat-4852	46	1	their	their	PRON
easat-4852	46	2	results	result	NOUN
easat-4852	46	3	indicated	indicate	VERB
easat-4852	46	4	a	a	DET
easat-4852	46	5	relationship	relationship	NOUN
easat-4852	46	6	between	between	ADP
easat-4852	46	7	inflation	inflation	NOUN
easat-4852	46	8	and	and	CCONJ
easat-4852	46	9	profitability	profitability	NOUN
easat-4852	46	10	.	.	PUNCT
easat-4852	47	1	besides	besides	SCONJ
easat-4852	47	2	,	,	PUNCT
easat-4852	47	3	nesrine	nesrine	NOUN
easat-4852	47	4	and	and	CCONJ
easat-4852	47	5	boujelbene	boujelbene	NOUN
easat-4852	48	1	[	[	X
easat-4852	48	2	9	9	NUM
easat-4852	48	3	]	]	PUNCT
easat-4852	48	4	examined	examine	VERB
easat-4852	48	5	the	the	DET
easat-4852	48	6	determinants	determinant	NOUN
easat-4852	48	7	of	of	ADP
easat-4852	48	8	bank	bank	NOUN
easat-4852	48	9	profitability	profitability	NOUN
easat-4852	48	10	in	in	ADP
easat-4852	48	11	tunisia	tunisia	NOUN
easat-4852	48	12	and	and	CCONJ
easat-4852	48	13	found	find	VERB
easat-4852	48	14	that	that	SCONJ
easat-4852	48	15	liquidity	liquidity	NOUN
easat-4852	48	16	risk	risk	NOUN
easat-4852	48	17	,	,	PUNCT
easat-4852	48	18	bank	bank	NOUN
easat-4852	48	19	assets	asset	NOUN
easat-4852	48	20	,	,	PUNCT
easat-4852	48	21	stock	stock	NOUN
easat-4852	48	22	market	market	NOUN
easat-4852	48	23	capitalization	capitalization	NOUN
easat-4852	48	24	,	,	PUNCT
easat-4852	48	25	inflation	inflation	NOUN
easat-4852	48	26	,	,	PUNCT
easat-4852	48	27	and	and	CCONJ
easat-4852	48	28	gdp	gdp	NOUN
easat-4852	48	29	had	have	VERB
easat-4852	48	30	statistically	statistically	ADV
easat-4852	48	31	significant	significant	ADJ
easat-4852	48	32	negative	negative	ADJ
easat-4852	48	33	effects	effect	NOUN
easat-4852	48	34	on	on	ADP
easat-4852	48	35	profitability	profitability	NOUN
easat-4852	48	36	.	.	PUNCT
easat-4852	49	1	in	in	ADP
easat-4852	49	2	contrast	contrast	NOUN
easat-4852	49	3	,	,	PUNCT
easat-4852	49	4	capital	capital	NOUN
easat-4852	49	5	levels	level	NOUN
easat-4852	49	6	,	,	PUNCT
easat-4852	49	7	credit	credit	NOUN
easat-4852	49	8	risk	risk	NOUN
easat-4852	49	9	,	,	PUNCT
easat-4852	49	10	and	and	CCONJ
easat-4852	49	11	banking	banking	NOUN
easat-4852	49	12	sector	sector	NOUN
easat-4852	49	13	concentration	concentration	NOUN
easat-4852	49	14	were	be	AUX
easat-4852	49	15	positively	positively	ADV
easat-4852	49	16	associated	associate	VERB
easat-4852	49	17	with	with	ADP
easat-4852	49	18	profitability	profitability	NOUN
easat-4852	49	19	.	.	PUNCT
easat-4852	50	1	emre	emre	PROPN
easat-4852	51	1	[	[	X
easat-4852	51	2	10	10	NUM
easat-4852	51	3	]	]	PUNCT
easat-4852	51	4	investigated	investigate	VERB
easat-4852	51	5	internal	internal	ADJ
easat-4852	51	6	bank	bank	NOUN
easat-4852	51	7	factors	factor	NOUN
easat-4852	51	8	,	,	PUNCT
easat-4852	51	9	industry	industry	NOUN
easat-4852	51	10	characteristics	characteristic	NOUN
easat-4852	51	11	,	,	PUNCT
easat-4852	51	12	and	and	CCONJ
easat-4852	51	13	macroeconomic	macroeconomic	ADJ
easat-4852	51	14	influences	influence	NOUN
easat-4852	51	15	on	on	ADP
easat-4852	51	16	the	the	DET
easat-4852	51	17	profitability	profitability	NOUN
easat-4852	51	18	of	of	ADP
easat-4852	51	19	26	26	NUM
easat-4852	51	20	commercial	commercial	ADJ
easat-4852	51	21	banks	bank	NOUN
easat-4852	51	22	in	in	ADP
easat-4852	51	23	turkey	turkey	NOUN
easat-4852	51	24	between	between	ADP
easat-4852	51	25	2005	2005	NUM
easat-4852	51	26	and	and	CCONJ
easat-4852	51	27	2010	2010	NUM
easat-4852	51	28	.	.	PUNCT
easat-4852	52	1	the	the	DET
easat-4852	52	2	study	study	NOUN
easat-4852	52	3	revealed	reveal	VERB
easat-4852	52	4	that	that	SCONJ
easat-4852	52	5	bank	bank	NOUN
easat-4852	52	6	size	size	NOUN
easat-4852	52	7	,	,	PUNCT
easat-4852	52	8	credit	credit	NOUN
easat-4852	52	9	risk	risk	NOUN
easat-4852	52	10	,	,	PUNCT
easat-4852	52	11	cost	cost	NOUN
easat-4852	52	12	-	-	PUNCT
easat-4852	52	13	to	to	ADP
easat-4852	52	14	-	-	PUNCT
easat-4852	52	15	income	income	NOUN
easat-4852	52	16	ratio	ratio	NOUN
easat-4852	52	17	,	,	PUNCT
easat-4852	52	18	the	the	DET
easat-4852	52	19	herfindahl	herfindahl	NOUN
easat-4852	52	20	-	-	PUNCT
easat-4852	52	21	hirschman	hirschman	NOUN
easat-4852	52	22	index	index	NOUN
easat-4852	52	23	(	(	PUNCT
easat-4852	52	24	hhi	hhi	NOUN
easat-4852	52	25	)	)	PUNCT
easat-4852	52	26	for	for	ADP
easat-4852	52	27	deposits	deposit	NOUN
easat-4852	52	28	,	,	PUNCT
easat-4852	52	29	and	and	CCONJ
easat-4852	52	30	inflation	inflation	NOUN
easat-4852	52	31	had	have	VERB
easat-4852	52	32	statistically	statistically	ADV
easat-4852	52	33	significant	significant	ADJ
easat-4852	52	34	negative	negative	ADJ
easat-4852	52	35	effects	effect	NOUN
easat-4852	52	36	on	on	ADP
easat-4852	52	37	roa	roa	PROPN
easat-4852	52	38	.	.	PUNCT
easat-4852	53	1	wadood	wadood	PROPN
easat-4852	53	2	,	,	PUNCT
easat-4852	53	3	et	et	PROPN
easat-4852	53	4	al	al	PROPN
easat-4852	53	5	.	.	PUNCT
easat-4852	54	1	[	[	X
easat-4852	54	2	11	11	NUM
easat-4852	54	3	]	]	PUNCT
easat-4852	54	4	employed	employ	VERB
easat-4852	54	5	the	the	DET
easat-4852	54	6	ordinary	ordinary	ADJ
easat-4852	54	7	least	least	ADJ
easat-4852	54	8	squares	square	NOUN
easat-4852	54	9	(	(	PUNCT
easat-4852	54	10	ols	ol	NOUN
easat-4852	54	11	)	)	PUNCT
easat-4852	54	12	method	method	NOUN
easat-4852	54	13	to	to	PART
easat-4852	54	14	analyze	analyze	VERB
easat-4852	54	15	the	the	DET
easat-4852	54	16	effects	effect	NOUN
easat-4852	54	17	of	of	ADP
easat-4852	54	18	assets	asset	NOUN
easat-4852	54	19	,	,	PUNCT
easat-4852	54	20	non	non	ADJ
easat-4852	54	21	-	-	ADJ
easat-4852	54	22	performing	performing	ADJ
easat-4852	54	23	loans	loan	NOUN
easat-4852	54	24	,	,	PUNCT
easat-4852	54	25	equity	equity	NOUN
easat-4852	54	26	,	,	PUNCT
easat-4852	54	27	economic	economic	ADJ
easat-4852	54	28	growth	growth	NOUN
easat-4852	54	29	,	,	PUNCT
easat-4852	54	30	interest	interest	NOUN
easat-4852	54	31	rates	rate	NOUN
easat-4852	54	32	,	,	PUNCT
easat-4852	54	33	and	and	CCONJ
easat-4852	54	34	market	market	NOUN
easat-4852	54	35	capitalization	capitalization	NOUN
easat-4852	54	36	on	on	ADP
easat-4852	54	37	key	key	ADJ
easat-4852	54	38	profitability	profitability	NOUN
easat-4852	54	39	indicators	indicator	NOUN
easat-4852	54	40	,	,	PUNCT
easat-4852	54	41	including	include	VERB
easat-4852	54	42	return	return	NOUN
easat-4852	54	43	on	on	ADP
easat-4852	54	44	assets	asset	NOUN
easat-4852	54	45	(	(	PUNCT
easat-4852	54	46	roa	roa	NOUN
easat-4852	54	47	)	)	PUNCT
easat-4852	54	48	,	,	PUNCT
easat-4852	54	49	return	return	VERB
easat-4852	54	50	on	on	ADP
easat-4852	54	51	equity	equity	NOUN
easat-4852	54	52	(	(	PUNCT
easat-4852	54	53	roe	roe	PROPN
easat-4852	54	54	)	)	PUNCT
easat-4852	54	55	,	,	PUNCT
easat-4852	54	56	return	return	VERB
easat-4852	54	57	on	on	ADP
easat-4852	54	58	capital	capital	NOUN
easat-4852	54	59	employed	employ	VERB
easat-4852	54	60	,	,	PUNCT
easat-4852	54	61	and	and	CCONJ
easat-4852	54	62	net	net	ADJ
easat-4852	54	63	interest	interest	NOUN
easat-4852	54	64	margin	margin	NOUN
easat-4852	54	65	,	,	PUNCT
easat-4852	54	66	examined	examine	VERB
easat-4852	54	67	separately	separately	ADV
easat-4852	54	68	in	in	ADP
easat-4852	54	69	banks	bank	NOUN
easat-4852	54	70	of	of	ADP
easat-4852	54	71	pakistan	pakistan	PROPN
easat-4852	54	72	from	from	ADP
easat-4852	54	73	2011	2011	NUM
easat-4852	54	74	to	to	ADP
easat-4852	54	75	2016	2016	NUM
easat-4852	54	76	.	.	PUNCT
easat-4852	55	1	the	the	DET
easat-4852	55	2	empirical	empirical	ADJ
easat-4852	55	3	findings	finding	NOUN
easat-4852	55	4	provide	provide	VERB
easat-4852	55	5	robust	robust	ADJ
easat-4852	55	6	evidence	evidence	NOUN
easat-4852	55	7	that	that	SCONJ
easat-4852	55	8	both	both	CCONJ
easat-4852	55	9	internal	internal	ADJ
easat-4852	55	10	(	(	PUNCT
easat-4852	55	11	noperforming	noperforme	VERB
easat-4852	55	12	loan	loan	NOUN
easat-4852	55	13	,	,	PUNCT
easat-4852	55	14	interest	interest	NOUN
easat-4852	55	15	rates	rate	NOUN
easat-4852	55	16	)	)	PUNCT
easat-4852	55	17	and	and	CCONJ
easat-4852	55	18	external	external	ADJ
easat-4852	55	19	factor	factor	NOUN
easat-4852	55	20	(	(	PUNCT
easat-4852	55	21	economic	economic	ADJ
easat-4852	55	22	growth	growth	NOUN
easat-4852	55	23	)	)	PUNCT
easat-4852	55	24	significantly	significantly	ADV
easat-4852	55	25	impact	impact	VERB
easat-4852	55	26	bank	bank	NOUN
easat-4852	55	27	profitability	profitability	NOUN
easat-4852	55	28	.	.	PUNCT
easat-4852	56	1	davydenko	davydenko	NOUN
easat-4852	57	1	[	[	X
easat-4852	57	2	12	12	NUM
easat-4852	57	3	]	]	PUNCT
easat-4852	57	4	investigated	investigate	VERB
easat-4852	57	5	the	the	DET
easat-4852	57	6	determinants	determinant	NOUN
easat-4852	57	7	of	of	ADP
easat-4852	57	8	bank	bank	NOUN
easat-4852	57	9	profitability	profitability	NOUN
easat-4852	57	10	in	in	ADP
easat-4852	57	11	ukraine	ukraine	NOUN
easat-4852	57	12	and	and	CCONJ
easat-4852	57	13	found	find	VERB
easat-4852	57	14	that	that	SCONJ
easat-4852	57	15	capital	capital	NOUN
easat-4852	57	16	adequacy	adequacy	NOUN
easat-4852	57	17	,	,	PUNCT
easat-4852	57	18	gdp	gdp	NOUN
easat-4852	57	19	,	,	PUNCT
easat-4852	57	20	inflation	inflation	NOUN
easat-4852	57	21	,	,	PUNCT
easat-4852	57	22	and	and	CCONJ
easat-4852	57	23	exchange	exchange	NOUN
easat-4852	57	24	rates	rate	NOUN
easat-4852	57	25	positively	positively	ADV
easat-4852	57	26	influenced	influence	VERB
easat-4852	57	27	profitability	profitability	NOUN
easat-4852	57	28	.	.	PUNCT
easat-4852	58	1	however	however	ADV
easat-4852	58	2	,	,	PUNCT
easat-4852	58	3	management	management	NOUN
easat-4852	58	4	costs	cost	NOUN
easat-4852	58	5	relative	relative	ADJ
easat-4852	58	6	to	to	ADP
easat-4852	58	7	total	total	ADJ
easat-4852	58	8	assets	asset	NOUN
easat-4852	58	9	,	,	PUNCT
easat-4852	58	10	liquidity	liquidity	NOUN
easat-4852	58	11	,	,	PUNCT
easat-4852	58	12	and	and	CCONJ
easat-4852	58	13	deposits	deposit	NOUN
easat-4852	58	14	had	have	VERB
easat-4852	58	15	negative	negative	ADJ
easat-4852	58	16	effects	effect	NOUN
easat-4852	58	17	.	.	PUNCT
easat-4852	59	1	additionally	additionally	ADV
easat-4852	59	2	,	,	PUNCT
easat-4852	59	3	foreign	foreign	ADJ
easat-4852	59	4	ownership	ownership	NOUN
easat-4852	59	5	was	be	AUX
easat-4852	59	6	found	find	VERB
easat-4852	59	7	to	to	PART
easat-4852	59	8	have	have	VERB
easat-4852	59	9	a	a	DET
easat-4852	59	10	significantly	significantly	ADV
easat-4852	59	11	negative	negative	ADJ
easat-4852	59	12	impact	impact	NOUN
easat-4852	59	13	on	on	ADP
easat-4852	59	14	bank	bank	NOUN
easat-4852	59	15	profitability	profitability	NOUN
easat-4852	59	16	when	when	SCONJ
easat-4852	59	17	examined	examine	VERB
easat-4852	59	18	independently	independently	ADV
easat-4852	59	19	.	.	PUNCT
easat-4852	60	1	rahman	rahman	PROPN
easat-4852	60	2	,	,	PUNCT
easat-4852	60	3	et	et	PROPN
easat-4852	60	4	al	al	PROPN
easat-4852	60	5	.	.	PUNCT
easat-4852	61	1	[	[	X
easat-4852	61	2	13	13	NUM
easat-4852	61	3	]	]	PUNCT
easat-4852	61	4	examined	examine	VERB
easat-4852	61	5	the	the	DET
easat-4852	61	6	performance	performance	NOUN
easat-4852	61	7	of	of	ADP
easat-4852	61	8	25	25	NUM
easat-4852	61	9	banks	bank	NOUN
easat-4852	61	10	in	in	ADP
easat-4852	61	11	bangladesh	bangladesh	NOUN
easat-4852	61	12	from	from	ADP
easat-4852	61	13	2006	2006	NUM
easat-4852	61	14	to	to	ADP
easat-4852	61	15	2013	2013	NUM
easat-4852	61	16	,	,	PUNCT
easat-4852	61	17	revealing	reveal	VERB
easat-4852	61	18	that	that	SCONJ
easat-4852	61	19	that	that	SCONJ
easat-4852	61	20	both	both	PRON
easat-4852	61	21	regulatory	regulatory	ADJ
easat-4852	61	22	capital	capital	NOUN
easat-4852	61	23	and	and	CCONJ
easat-4852	61	24	equity	equity	NOUN
easat-4852	61	25	capital	capital	NOUN
easat-4852	61	26	,	,	PUNCT
easat-4852	61	27	along	along	ADP
easat-4852	61	28	with	with	ADP
easat-4852	61	29	loan	loan	NOUN
easat-4852	61	30	intensity	intensity	NOUN
easat-4852	61	31	,	,	PUNCT
easat-4852	61	32	have	have	VERB
easat-4852	61	33	a	a	DET
easat-4852	61	34	positive	positive	ADJ
easat-4852	61	35	and	and	CCONJ
easat-4852	61	36	significant	significant	ADJ
easat-4852	61	37	effect	effect	NOUN
easat-4852	61	38	on	on	ADP
easat-4852	61	39	profitability	profitability	NOUN
easat-4852	61	40	ratio	ratio	NOUN
easat-4852	61	41	,	,	PUNCT
easat-4852	61	42	including	include	VERB
easat-4852	61	43	roa	roa	PROPN
easat-4852	61	44	,	,	PUNCT
easat-4852	61	45	roe	roe	PROPN
easat-4852	61	46	and	and	CCONJ
easat-4852	61	47	nim	nim	PROPN
easat-4852	61	48	.	.	PUNCT
easat-4852	62	1	in	in	ADP
easat-4852	62	2	contrast	contrast	NOUN
easat-4852	62	3	,	,	PUNCT
easat-4852	62	4	cost	cost	NOUN
easat-4852	62	5	efficiency	efficiency	NOUN
easat-4852	62	6	and	and	CCONJ
easat-4852	62	7	off	off	ADP
easat-4852	62	8	-	-	PUNCT
easat-4852	62	9	balance	balance	NOUN
easat-4852	62	10	sheet	sheet	NOUN
easat-4852	62	11	activities	activity	NOUN
easat-4852	62	12	negatively	negatively	ADV
easat-4852	62	13	and	and	CCONJ
easat-4852	62	14	significantly	significantly	ADV
easat-4852	62	15	influence	influence	VERB
easat-4852	62	16	bank	bank	NOUN
easat-4852	62	17	profitability	profitability	NOUN
easat-4852	62	18	ratios	ratio	NOUN
easat-4852	62	19	.	.	PUNCT
easat-4852	63	1	the	the	DET
easat-4852	63	2	impact	impact	NOUN
easat-4852	63	3	of	of	ADP
easat-4852	63	4	other	other	ADJ
easat-4852	63	5	variables	variable	NOUN
easat-4852	63	6	varies	vary	VERB
easat-4852	63	7	depending	depend	VERB
easat-4852	63	8	on	on	ADP
easat-4852	63	9	the	the	DET
easat-4852	63	10	profitability	profitability	NOUN
easat-4852	63	11	measure	measure	NOUN
easat-4852	63	12	used	use	VERB
easat-4852	63	13	.	.	PUNCT
easat-4852	64	1	specifically	specifically	ADV
easat-4852	64	2	,	,	PUNCT
easat-4852	64	3	non	non	ADJ
easat-4852	64	4	-	-	ADJ
easat-4852	64	5	interest	interest	ADJ
easat-4852	64	6	income	income	NOUN
easat-4852	64	7	,	,	PUNCT
easat-4852	64	8	credit	credit	NOUN
easat-4852	64	9	risk	risk	NOUN
easat-4852	64	10	,	,	PUNCT
easat-4852	64	11	and	and	CCONJ
easat-4852	64	12	gdp	gdp	NOUN
easat-4852	64	13	growth	growth	NOUN
easat-4852	64	14	are	be	AUX
easat-4852	64	15	key	key	ADJ
easat-4852	64	16	determinants	determinant	NOUN
easat-4852	64	17	of	of	ADP
easat-4852	64	18	nim	nim	PROPN
easat-4852	64	19	,	,	PUNCT
easat-4852	64	20	while	while	SCONJ
easat-4852	64	21	bank	bank	NOUN
easat-4852	64	22	size	size	NOUN
easat-4852	64	23	positively	positively	ADV
easat-4852	64	24	and	and	CCONJ
easat-4852	64	25	significantly	significantly	ADV
easat-4852	64	26	affects	affect	VERB
easat-4852	64	27	roa	roa	PROPN
easat-4852	64	28	.	.	PUNCT
easat-4852	65	1	besides	besides	ADV
easat-4852	65	2	,	,	PUNCT
easat-4852	65	3	inflation	inflation	NOUN
easat-4852	65	4	has	have	VERB
easat-4852	65	5	a	a	DET
easat-4852	65	6	negative	negative	ADJ
easat-4852	65	7	and	and	CCONJ
easat-4852	65	8	significant	significant	ADJ
easat-4852	65	9	effect	effect	NOUN
easat-4852	65	10	on	on	ADP
easat-4852	65	11	both	both	DET
easat-4852	65	12	roa	roa	NOUN
easat-4852	65	13	and	and	CCONJ
easat-4852	65	14	roe	roe	PROPN
easat-4852	65	15	.	.	PUNCT
easat-4852	66	1	in	in	ADP
easat-4852	66	2	another	another	DET
easat-4852	66	3	research	research	NOUN
easat-4852	66	4	,	,	PUNCT
easat-4852	66	5	osuagwu	osuagwu	ADP
easat-4852	66	6	[	[	X
easat-4852	66	7	14	14	NUM
easat-4852	66	8	]	]	PUNCT
easat-4852	66	9	in	in	ADP
easat-4852	66	10	an	an	DET
easat-4852	66	11	investigation	investigation	NOUN
easat-4852	66	12	of	of	ADP
easat-4852	66	13	bank	bank	NOUN
easat-4852	66	14	profitability	profitability	NOUN
easat-4852	66	15	in	in	ADP
easat-4852	66	16	1650	1650	NUM
easat-4852	66	17	edelweiss	edelweiss	PROPN
easat-4852	66	18	applied	apply	VERB
easat-4852	66	19	science	science	NOUN
easat-4852	66	20	and	and	CCONJ
easat-4852	66	21	technology	technology	NOUN
easat-4852	66	22	issn	issn	PROPN
easat-4852	66	23	:	:	PUNCT
easat-4852	66	24	2576	2576	NUM
easat-4852	66	25	-	-	SYM
easat-4852	66	26	8484	8484	NUM
easat-4852	66	27	vol	vol	NOUN
easat-4852	66	28	.	.	PROPN
easat-4852	67	1	9	9	NUM
easat-4852	67	2	,	,	PUNCT
easat-4852	67	3	no	no	INTJ
easat-4852	67	4	.	.	NOUN
easat-4852	67	5	2	2	NUM
easat-4852	67	6	:	:	PUNCT
easat-4852	67	7	1648	1648	NUM
easat-4852	67	8	-	-	SYM
easat-4852	67	9	1658	1658	NUM
easat-4852	67	10	,	,	PUNCT
easat-4852	67	11	2025	2025	NUM
easat-4852	67	12	doi	doi	NOUN
easat-4852	67	13	:	:	PUNCT
easat-4852	67	14	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	67	15	©	©	PROPN
easat-4852	67	16	2025	2025	NUM
easat-4852	67	17	by	by	ADP
easat-4852	67	18	the	the	DET
easat-4852	67	19	authors	author	NOUN
easat-4852	67	20	;	;	PUNCT
easat-4852	67	21	licensee	licensee	PROPN
easat-4852	67	22	learning	learning	PROPN
easat-4852	67	23	gate	gate	PROPN
easat-4852	67	24	nigeria	nigeria	PROPN
easat-4852	67	25	,	,	PUNCT
easat-4852	67	26	using	use	VERB
easat-4852	67	27	panel	panel	NOUN
easat-4852	67	28	data	datum	NOUN
easat-4852	67	29	from	from	ADP
easat-4852	67	30	1980	1980	NUM
easat-4852	67	31	to	to	ADP
easat-4852	67	32	2010	2010	NUM
easat-4852	67	33	incorporating	incorporate	VERB
easat-4852	67	34	bank	bank	NOUN
easat-4852	67	35	-	-	PUNCT
easat-4852	67	36	specific	specific	ADJ
easat-4852	67	37	factors	factor	NOUN
easat-4852	67	38	,	,	PUNCT
easat-4852	67	39	industry	industry	NOUN
easat-4852	67	40	-	-	PUNCT
easat-4852	67	41	related	relate	VERB
easat-4852	67	42	factors	factor	NOUN
easat-4852	67	43	and	and	CCONJ
easat-4852	67	44	macroeconomic	macroeconomic	ADJ
easat-4852	67	45	influences	influence	NOUN
easat-4852	67	46	,	,	PUNCT
easat-4852	67	47	found	find	VERB
easat-4852	67	48	that	that	SCONJ
easat-4852	67	49	only	only	ADV
easat-4852	67	50	bank	bank	NOUN
easat-4852	67	51	-	-	PUNCT
easat-4852	67	52	specific	specific	ADJ
easat-4852	67	53	factors	factor	NOUN
easat-4852	67	54	play	play	VERB
easat-4852	67	55	a	a	DET
easat-4852	67	56	predominant	predominant	ADJ
easat-4852	67	57	role	role	NOUN
easat-4852	67	58	in	in	ADP
easat-4852	67	59	determining	determine	VERB
easat-4852	67	60	bank	bank	NOUN
easat-4852	67	61	’s	’s	PART
easat-4852	67	62	profitability	profitability	NOUN
easat-4852	67	63	.	.	PUNCT
easat-4852	68	1	notably	notably	ADV
easat-4852	68	2	,	,	PUNCT
easat-4852	68	3	credit	credit	NOUN
easat-4852	68	4	risk	risk	NOUN
easat-4852	68	5	(	(	PUNCT
easat-4852	68	6	non	non	ADJ
easat-4852	68	7	-	-	ADJ
easat-4852	68	8	performing	performing	ADJ
easat-4852	68	9	loans	loan	NOUN
easat-4852	68	10	)	)	PUNCT
easat-4852	68	11	,	,	PUNCT
easat-4852	68	12	operational	operational	ADJ
easat-4852	68	13	efficiency	efficiency	NOUN
easat-4852	68	14	(	(	PUNCT
easat-4852	68	15	operating	operate	VERB
easat-4852	68	16	expenses	expense	NOUN
easat-4852	68	17	to	to	ADP
easat-4852	68	18	assets	asset	NOUN
easat-4852	68	19	ratio	ratio	NOUN
easat-4852	68	20	)	)	PUNCT
easat-4852	68	21	,	,	PUNCT
easat-4852	68	22	and	and	CCONJ
easat-4852	68	23	capital	capital	NOUN
easat-4852	68	24	adequacy	adequacy	NOUN
easat-4852	68	25	significantly	significantly	ADV
easat-4852	68	26	impact	impact	VERB
easat-4852	68	27	return	return	NOUN
easat-4852	68	28	on	on	ADP
easat-4852	68	29	assets	asset	NOUN
easat-4852	68	30	(	(	PUNCT
easat-4852	68	31	roa	roa	NOUN
easat-4852	68	32	)	)	PUNCT
easat-4852	68	33	and	and	CCONJ
easat-4852	68	34	return	return	VERB
easat-4852	68	35	on	on	ADP
easat-4852	68	36	equity	equity	NOUN
easat-4852	68	37	(	(	PUNCT
easat-4852	68	38	roe	roe	PROPN
easat-4852	68	39	)	)	PUNCT
easat-4852	68	40	,	,	PUNCT
easat-4852	68	41	while	while	SCONJ
easat-4852	68	42	there	there	PRON
easat-4852	68	43	is	be	VERB
easat-4852	68	44	no	no	DET
easat-4852	68	45	evidence	evidence	NOUN
easat-4852	68	46	of	of	ADP
easat-4852	68	47	other	other	ADJ
easat-4852	68	48	factors	factor	NOUN
easat-4852	68	49	.	.	PUNCT
easat-4852	69	1	in	in	ADP
easat-4852	69	2	vietnam	vietnam	PROPN
easat-4852	69	3	,	,	PUNCT
easat-4852	69	4	there	there	PRON
easat-4852	69	5	are	be	VERB
easat-4852	69	6	some	some	DET
easat-4852	69	7	recent	recent	ADJ
easat-4852	69	8	prominent	prominent	ADJ
easat-4852	69	9	studies	study	NOUN
easat-4852	69	10	including	include	VERB
easat-4852	69	11	study	study	NOUN
easat-4852	69	12	of	of	ADP
easat-4852	69	13	nguyen	nguyen	NOUN
easat-4852	70	1	[	[	X
easat-4852	70	2	15	15	NUM
easat-4852	70	3	]	]	PUNCT
easat-4852	70	4	who	who	PRON
easat-4852	70	5	employed	employ	VERB
easat-4852	70	6	an	an	DET
easat-4852	70	7	ordinary	ordinary	ADJ
easat-4852	70	8	least	least	ADJ
easat-4852	70	9	squares	square	NOUN
easat-4852	70	10	(	(	PUNCT
easat-4852	70	11	ols	ol	NOUN
easat-4852	70	12	)	)	PUNCT
easat-4852	70	13	regression	regression	NOUN
easat-4852	70	14	model	model	NOUN
easat-4852	70	15	with	with	ADP
easat-4852	70	16	roa	roa	PROPN
easat-4852	70	17	as	as	ADP
easat-4852	70	18	the	the	DET
easat-4852	70	19	dependent	dependent	ADJ
easat-4852	70	20	variable	variable	NOUN
easat-4852	70	21	,	,	PUNCT
easat-4852	70	22	incorporating	incorporate	VERB
easat-4852	70	23	independent	independent	ADJ
easat-4852	70	24	variables	variable	NOUN
easat-4852	70	25	such	such	ADJ
easat-4852	70	26	as	as	ADP
easat-4852	70	27	bank	bank	NOUN
easat-4852	70	28	size	size	NOUN
easat-4852	70	29	,	,	PUNCT
easat-4852	70	30	operating	operating	NOUN
easat-4852	70	31	costs	cost	NOUN
easat-4852	70	32	,	,	PUNCT
easat-4852	70	33	non	non	ADJ
easat-4852	70	34	-	-	ADJ
easat-4852	70	35	performing	perform	VERB
easat-4852	70	36	loan	loan	NOUN
easat-4852	70	37	ratio	ratio	NOUN
easat-4852	70	38	,	,	PUNCT
easat-4852	70	39	and	and	CCONJ
easat-4852	70	40	other	other	ADJ
easat-4852	70	41	factors	factor	NOUN
easat-4852	70	42	to	to	PART
easat-4852	70	43	assess	assess	VERB
easat-4852	70	44	the	the	DET
easat-4852	70	45	profitability	profitability	NOUN
easat-4852	70	46	of	of	ADP
easat-4852	70	47	24	24	NUM
easat-4852	70	48	commercial	commercial	ADJ
easat-4852	70	49	banks	bank	NOUN
easat-4852	70	50	in	in	ADP
easat-4852	70	51	vietnam	vietnam	PROPN
easat-4852	70	52	during	during	ADP
easat-4852	70	53	the	the	DET
easat-4852	70	54	2017–2020	2017–2020	NUM
easat-4852	70	55	period	period	NOUN
easat-4852	70	56	.	.	PUNCT
easat-4852	71	1	the	the	DET
easat-4852	71	2	findings	finding	NOUN
easat-4852	71	3	indicate	indicate	VERB
easat-4852	71	4	that	that	SCONJ
easat-4852	71	5	bank	bank	NOUN
easat-4852	71	6	size	size	NOUN
easat-4852	71	7	has	have	VERB
easat-4852	71	8	a	a	DET
easat-4852	71	9	positive	positive	ADJ
easat-4852	71	10	impact	impact	NOUN
easat-4852	71	11	on	on	ADP
easat-4852	71	12	roa	roa	PROPN
easat-4852	71	13	,	,	PUNCT
easat-4852	71	14	whereas	whereas	SCONJ
easat-4852	71	15	operating	operate	VERB
easat-4852	71	16	cost	cost	NOUN
easat-4852	71	17	ratio	ratio	NOUN
easat-4852	71	18	and	and	CCONJ
easat-4852	71	19	ownership	ownership	NOUN
easat-4852	71	20	structure	structure	NOUN
easat-4852	71	21	exert	exert	VERB
easat-4852	71	22	negative	negative	ADJ
easat-4852	71	23	effects	effect	NOUN
easat-4852	71	24	.	.	PUNCT
easat-4852	72	1	another	another	DET
easat-4852	72	2	research	research	NOUN
easat-4852	72	3	is	be	AUX
easat-4852	72	4	of	of	ADP
easat-4852	72	5	quỳnh	quỳnh	NOUN
easat-4852	72	6	[	[	X
easat-4852	72	7	16	16	NUM
easat-4852	72	8	]	]	PUNCT
easat-4852	72	9	the	the	DET
easat-4852	72	10	author	author	NOUN
easat-4852	72	11	applied	apply	VERB
easat-4852	72	12	the	the	DET
easat-4852	72	13	random	random	ADJ
easat-4852	72	14	effects	effect	NOUN
easat-4852	72	15	model	model	NOUN
easat-4852	72	16	(	(	PUNCT
easat-4852	72	17	rem	rem	NOUN
easat-4852	72	18	)	)	PUNCT
easat-4852	72	19	estimation	estimation	NOUN
easat-4852	72	20	method	method	NOUN
easat-4852	72	21	and	and	CCONJ
easat-4852	72	22	t	t	NOUN
easat-4852	72	23	-	-	PUNCT
easat-4852	72	24	test	test	NOUN
easat-4852	72	25	verification	verification	NOUN
easat-4852	72	26	on	on	ADP
easat-4852	72	27	panel	panel	NOUN
easat-4852	72	28	data	datum	NOUN
easat-4852	72	29	from	from	ADP
easat-4852	72	30	25	25	NUM
easat-4852	72	31	commercial	commercial	ADJ
easat-4852	72	32	banks	bank	NOUN
easat-4852	72	33	between	between	ADP
easat-4852	72	34	2018	2018	NUM
easat-4852	72	35	and	and	CCONJ
easat-4852	72	36	2021	2021	NUM
easat-4852	72	37	.	.	PUNCT
easat-4852	73	1	this	this	DET
easat-4852	73	2	study	study	NOUN
easat-4852	73	3	found	find	VERB
easat-4852	73	4	that	that	SCONJ
easat-4852	73	5	operational	operational	ADJ
easat-4852	73	6	scale	scale	NOUN
easat-4852	73	7	,	,	PUNCT
easat-4852	73	8	credit	credit	NOUN
easat-4852	73	9	risk	risk	NOUN
easat-4852	73	10	,	,	PUNCT
easat-4852	73	11	and	and	CCONJ
easat-4852	73	12	noninterest	noninter	ADJ
easat-4852	73	13	income	income	NOUN
easat-4852	73	14	ratio	ratio	NOUN
easat-4852	73	15	influence	influence	PROPN
easat-4852	73	16	bank	bank	NOUN
easat-4852	73	17	profitability	profitability	NOUN
easat-4852	73	18	.	.	PUNCT
easat-4852	74	1	however	however	ADV
easat-4852	74	2	,	,	PUNCT
easat-4852	74	3	no	no	DET
easat-4852	74	4	significant	significant	ADJ
easat-4852	74	5	impact	impact	NOUN
easat-4852	74	6	of	of	ADP
easat-4852	74	7	the	the	DET
easat-4852	74	8	covid-19	covid-19	PROPN
easat-4852	74	9	pandemic	pandemic	NOUN
easat-4852	74	10	on	on	ADP
easat-4852	74	11	profitability	profitability	NOUN
easat-4852	74	12	was	be	AUX
easat-4852	74	13	observed	observe	VERB
easat-4852	74	14	.	.	PUNCT
easat-4852	75	1	prior	prior	ADV
easat-4852	75	2	to	to	ADP
easat-4852	75	3	the	the	DET
easat-4852	75	4	covid-19	covid-19	PROPN
easat-4852	75	5	pandemic	pandemic	NOUN
easat-4852	75	6	,	,	PUNCT
easat-4852	75	7	several	several	ADJ
easat-4852	75	8	studies	study	NOUN
easat-4852	75	9	had	have	AUX
easat-4852	75	10	already	already	ADV
easat-4852	75	11	examined	examine	VERB
easat-4852	75	12	this	this	DET
easat-4852	75	13	topic	topic	NOUN
easat-4852	75	14	.	.	PUNCT
easat-4852	76	1	nguyen	nguyen	NOUN
easat-4852	77	1	[	[	X
easat-4852	77	2	17	17	NUM
easat-4852	77	3	]	]	PUNCT
easat-4852	77	4	in	in	ADP
easat-4852	77	5	a	a	DET
easat-4852	77	6	study	study	NOUN
easat-4852	77	7	of	of	ADP
easat-4852	77	8	11	11	NUM
easat-4852	77	9	vietnamese	vietnamese	ADJ
easat-4852	77	10	commercial	commercial	ADJ
easat-4852	77	11	banks	bank	NOUN
easat-4852	77	12	from	from	ADP
easat-4852	77	13	2006	2006	NUM
easat-4852	77	14	to	to	ADP
easat-4852	77	15	2015	2015	NUM
easat-4852	77	16	,	,	PUNCT
easat-4852	77	17	found	find	VERB
easat-4852	77	18	that	that	SCONJ
easat-4852	77	19	interest	interest	NOUN
easat-4852	77	20	expenses	expense	NOUN
easat-4852	77	21	on	on	ADP
easat-4852	77	22	liabilities	liability	NOUN
easat-4852	77	23	and	and	CCONJ
easat-4852	77	24	non	non	ADJ
easat-4852	77	25	-	-	ADJ
easat-4852	77	26	interest	interest	ADJ
easat-4852	77	27	income	income	NOUN
easat-4852	77	28	positively	positively	ADV
easat-4852	77	29	impact	impact	VERB
easat-4852	77	30	roa	roa	PROPN
easat-4852	77	31	,	,	PUNCT
easat-4852	77	32	whereas	whereas	SCONJ
easat-4852	77	33	the	the	DET
easat-4852	77	34	npl	npl	PROPN
easat-4852	77	35	ratio	ratio	NOUN
easat-4852	77	36	has	have	VERB
easat-4852	77	37	an	an	DET
easat-4852	77	38	inverse	inverse	ADJ
easat-4852	77	39	effect	effect	NOUN
easat-4852	77	40	.	.	PUNCT
easat-4852	78	1	furthermore	furthermore	ADV
easat-4852	78	2	,	,	PUNCT
easat-4852	78	3	hoang	hoang	PROPN
easat-4852	78	4	and	and	CCONJ
easat-4852	78	5	vu	vu	X
easat-4852	79	1	[	[	X
easat-4852	79	2	18	18	NUM
easat-4852	79	3	]	]	PUNCT
easat-4852	79	4	demonstrated	demonstrate	VERB
easat-4852	79	5	that	that	SCONJ
easat-4852	79	6	the	the	DET
easat-4852	79	7	net	net	ADJ
easat-4852	79	8	interest	interest	NOUN
easat-4852	79	9	margin	margin	NOUN
easat-4852	79	10	(	(	PUNCT
easat-4852	79	11	nim	nim	NOUN
easat-4852	79	12	)	)	PUNCT
easat-4852	79	13	of	of	ADP
easat-4852	79	14	vietnamese	vietnamese	ADJ
easat-4852	79	15	commercial	commercial	ADJ
easat-4852	79	16	banks	bank	NOUN
easat-4852	79	17	between	between	ADP
easat-4852	79	18	2008	2008	NUM
easat-4852	79	19	and	and	CCONJ
easat-4852	79	20	2012	2012	NUM
easat-4852	79	21	increased	increase	VERB
easat-4852	79	22	with	with	ADP
easat-4852	79	23	higher	high	ADJ
easat-4852	79	24	operating	operating	NOUN
easat-4852	79	25	and	and	CCONJ
easat-4852	79	26	management	management	NOUN
easat-4852	79	27	costs	cost	NOUN
easat-4852	79	28	as	as	ADV
easat-4852	79	29	well	well	ADV
easat-4852	79	30	as	as	ADP
easat-4852	79	31	inflation	inflation	NOUN
easat-4852	79	32	,	,	PUNCT
easat-4852	79	33	whereas	whereas	SCONJ
easat-4852	79	34	banking	banking	NOUN
easat-4852	79	35	sector	sector	NOUN
easat-4852	79	36	concentration	concentration	NOUN
easat-4852	79	37	had	have	VERB
easat-4852	79	38	an	an	DET
easat-4852	79	39	inverse	inverse	ADJ
easat-4852	79	40	effect	effect	NOUN
easat-4852	79	41	.	.	PUNCT
easat-4852	80	1	meanwhile	meanwhile	ADV
easat-4852	80	2	,	,	PUNCT
easat-4852	80	3	the	the	DET
easat-4852	80	4	study	study	NOUN
easat-4852	80	5	by	by	ADP
easat-4852	80	6	nguyen	nguyen	NOUN
easat-4852	80	7	and	and	CCONJ
easat-4852	80	8	do	do	VERB
easat-4852	80	9	[	[	X
easat-4852	80	10	19	19	NUM
easat-4852	80	11	]	]	PUNCT
easat-4852	80	12	indicated	indicate	VERB
easat-4852	80	13	a	a	DET
easat-4852	80	14	positive	positive	ADJ
easat-4852	80	15	correlation	correlation	NOUN
easat-4852	80	16	between	between	ADP
easat-4852	80	17	credit	credit	NOUN
easat-4852	80	18	risk	risk	NOUN
easat-4852	80	19	and	and	CCONJ
easat-4852	80	20	nim	nim	PROPN
easat-4852	80	21	but	but	CCONJ
easat-4852	80	22	found	find	VERB
easat-4852	80	23	no	no	DET
easat-4852	80	24	significant	significant	ADJ
easat-4852	80	25	difference	difference	NOUN
easat-4852	80	26	in	in	ADP
easat-4852	80	27	nim	nim	PROPN
easat-4852	80	28	between	between	ADP
easat-4852	80	29	state	state	NOUN
easat-4852	80	30	-	-	PUNCT
easat-4852	80	31	owned	own	VERB
easat-4852	80	32	and	and	CCONJ
easat-4852	80	33	joint	joint	ADJ
easat-4852	80	34	-	-	PUNCT
easat-4852	80	35	stock	stock	NOUN
easat-4852	80	36	commercial	commercial	ADJ
easat-4852	80	37	banks	bank	NOUN
easat-4852	80	38	.	.	PUNCT
easat-4852	81	1	based	base	VERB
easat-4852	81	2	on	on	ADP
easat-4852	81	3	the	the	DET
easat-4852	81	4	current	current	ADJ
easat-4852	81	5	vietnamese	vietnamese	NOUN
easat-4852	81	6	and	and	CCONJ
easat-4852	81	7	international	international	ADJ
easat-4852	81	8	studies	study	NOUN
easat-4852	81	9	,	,	PUNCT
easat-4852	81	10	it	it	PRON
easat-4852	81	11	is	be	AUX
easat-4852	81	12	evident	evident	ADJ
easat-4852	81	13	that	that	SCONJ
easat-4852	81	14	limited	limited	ADJ
easat-4852	81	15	research	research	NOUN
easat-4852	81	16	has	have	AUX
easat-4852	81	17	focused	focus	VERB
easat-4852	81	18	on	on	ADP
easat-4852	81	19	the	the	DET
easat-4852	81	20	impact	impact	NOUN
easat-4852	81	21	of	of	ADP
easat-4852	81	22	industry	industry	NOUN
easat-4852	81	23	concentration	concentration	NOUN
easat-4852	81	24	on	on	ADP
easat-4852	81	25	the	the	DET
easat-4852	81	26	profitability	profitability	NOUN
easat-4852	81	27	of	of	ADP
easat-4852	81	28	commercial	commercial	ADJ
easat-4852	81	29	banks	bank	NOUN
easat-4852	81	30	.	.	PUNCT
easat-4852	82	1	therefore	therefore	ADV
easat-4852	82	2	,	,	PUNCT
easat-4852	82	3	the	the	DET
easat-4852	82	4	authors	author	NOUN
easat-4852	82	5	have	have	AUX
easat-4852	82	6	incorporated	incorporate	VERB
easat-4852	82	7	this	this	DET
easat-4852	82	8	factor	factor	NOUN
easat-4852	82	9	into	into	ADP
easat-4852	82	10	their	their	PRON
easat-4852	82	11	study	study	NOUN
easat-4852	82	12	,	,	PUNCT
easat-4852	82	13	alongside	alongside	ADP
easat-4852	82	14	the	the	DET
easat-4852	82	15	covid-19	covid-19	PROPN
easat-4852	82	16	pandemic	pandemic	ADJ
easat-4852	82	17	variable	variable	NOUN
easat-4852	82	18	,	,	PUNCT
easat-4852	82	19	to	to	PART
easat-4852	82	20	comprehensively	comprehensively	ADV
easat-4852	82	21	analyze	analyze	VERB
easat-4852	82	22	its	its	PRON
easat-4852	82	23	effects	effect	NOUN
easat-4852	82	24	on	on	ADP
easat-4852	82	25	vietnamese	vietnamese	ADJ
easat-4852	82	26	commercial	commercial	ADJ
easat-4852	82	27	banks	bank	NOUN
easat-4852	82	28	’	'	PUNCT
easat-4852	82	29	profitability	profitability	NOUN
easat-4852	82	30	.	.	PUNCT
easat-4852	83	1	additionally	additionally	ADV
easat-4852	83	2	,	,	PUNCT
easat-4852	83	3	both	both	DET
easat-4852	83	4	roa	roa	PROPN
easat-4852	83	5	and	and	CCONJ
easat-4852	83	6	nim	nim	PROPN
easat-4852	83	7	are	be	AUX
easat-4852	83	8	utilized	utilize	VERB
easat-4852	83	9	to	to	PART
easat-4852	83	10	assess	assess	VERB
easat-4852	83	11	profitability	profitability	NOUN
easat-4852	83	12	from	from	ADP
easat-4852	83	13	different	different	ADJ
easat-4852	83	14	perspectives	perspective	NOUN
easat-4852	83	15	,	,	PUNCT
easat-4852	83	16	providing	provide	VERB
easat-4852	83	17	a	a	DET
easat-4852	83	18	more	more	ADV
easat-4852	83	19	holistic	holistic	ADJ
easat-4852	83	20	view	view	NOUN
easat-4852	83	21	of	of	ADP
easat-4852	83	22	commercial	commercial	ADJ
easat-4852	83	23	bank	bank	NOUN
easat-4852	83	24	performance	performance	NOUN
easat-4852	83	25	.	.	PUNCT
easat-4852	84	1	3	3	X
easat-4852	84	2	.	.	X
easat-4852	84	3	research	research	NOUN
easat-4852	84	4	methodology	methodology	NOUN
easat-4852	84	5	3.1	3.1	NUM
easat-4852	84	6	.	.	PUNCT
easat-4852	85	1	data	datum	NOUN
easat-4852	85	2	collection	collection	NOUN
easat-4852	85	3	the	the	DET
easat-4852	85	4	research	research	NOUN
easat-4852	85	5	sample	sample	NOUN
easat-4852	85	6	consists	consist	VERB
easat-4852	85	7	of	of	ADP
easat-4852	85	8	data	datum	NOUN
easat-4852	85	9	from	from	ADP
easat-4852	85	10	nine	nine	NUM
easat-4852	85	11	vietnamese	vietnamese	ADJ
easat-4852	85	12	commercial	commercial	ADJ
easat-4852	85	13	banks	bank	NOUN
easat-4852	85	14	with	with	ADP
easat-4852	85	15	charter	charter	NOUN
easat-4852	85	16	capital	capital	NOUN
easat-4852	85	17	exceeding	exceed	VERB
easat-4852	85	18	5,000	5,000	NUM
easat-4852	85	19	billion	billion	NUM
easat-4852	85	20	vnd	vnd	NOUN
easat-4852	85	21	(	(	PUNCT
easat-4852	85	22	see	see	VERB
easat-4852	85	23	appendix	appendix	NOUN
easat-4852	85	24	)	)	PUNCT
easat-4852	85	25	during	during	ADP
easat-4852	85	26	the	the	DET
easat-4852	85	27	2013–2024	2013–2024	NUM
easat-4852	85	28	period	period	NOUN
easat-4852	85	29	.	.	PUNCT
easat-4852	86	1	the	the	DET
easat-4852	86	2	indicators	indicator	NOUN
easat-4852	86	3	measuring	measure	VERB
easat-4852	86	4	bank	bank	NOUN
easat-4852	86	5	profitability	profitability	NOUN
easat-4852	86	6	are	be	AUX
easat-4852	86	7	obtained	obtain	VERB
easat-4852	86	8	from	from	ADP
easat-4852	86	9	publicly	publicly	ADV
easat-4852	86	10	disclosed	disclose	VERB
easat-4852	86	11	financial	financial	ADJ
easat-4852	86	12	statements	statement	NOUN
easat-4852	86	13	of	of	ADP
easat-4852	86	14	these	these	DET
easat-4852	86	15	commercial	commercial	ADJ
easat-4852	86	16	banks	bank	NOUN
easat-4852	86	17	.	.	PUNCT
easat-4852	87	1	macroeconomic	macroeconomic	ADJ
easat-4852	87	2	data	datum	NOUN
easat-4852	87	3	are	be	AUX
easat-4852	87	4	collected	collect	VERB
easat-4852	87	5	from	from	ADP
easat-4852	87	6	the	the	DET
easat-4852	87	7	world	world	NOUN
easat-4852	87	8	bank	bank	NOUN
easat-4852	87	9	website	website	NOUN
easat-4852	87	10	(	(	PUNCT
easat-4852	87	11	accessible	accessible	ADJ
easat-4852	87	12	at	at	ADP
easat-4852	87	13	:	:	PUNCT
easat-4852	87	14	https://data.worldbank.org	https://data.worldbank.org	X
easat-4852	87	15	)	)	PUNCT
easat-4852	87	16	and	and	CCONJ
easat-4852	87	17	the	the	DET
easat-4852	87	18	general	general	ADJ
easat-4852	87	19	statistics	statistics	PROPN
easat-4852	87	20	office	office	PROPN
easat-4852	87	21	of	of	ADP
easat-4852	87	22	vietnam	vietnam	PROPN
easat-4852	87	23	(	(	PUNCT
easat-4852	87	24	accessible	accessible	ADJ
easat-4852	87	25	at	at	ADP
easat-4852	87	26	:	:	PUNCT
easat-4852	87	27	https://www.gso.gov.vn	https://www.gso.gov.vn	ADJ
easat-4852	87	28	)	)	PUNCT
easat-4852	87	29	.	.	PUNCT
easat-4852	88	1	a	a	DET
easat-4852	88	2	description	description	NOUN
easat-4852	88	3	of	of	ADP
easat-4852	88	4	the	the	DET
easat-4852	88	5	variables	variable	NOUN
easat-4852	88	6	is	be	AUX
easat-4852	88	7	presented	present	VERB
easat-4852	88	8	in	in	ADP
easat-4852	88	9	the	the	DET
easat-4852	88	10	table	table	NOUN
easat-4852	88	11	1	1	NUM
easat-4852	88	12	.	.	PUNCT
easat-4852	89	1	https://data.worldbank.org/	https://data.worldbank.org/	PROPN
easat-4852	89	2	https://www.gso.gov.vn/	https://www.gso.gov.vn/	ADJ
easat-4852	89	3	1651	1651	NUM
easat-4852	89	4	edelweiss	edelweiss	PROPN
easat-4852	89	5	applied	apply	VERB
easat-4852	89	6	science	science	NOUN
easat-4852	89	7	and	and	CCONJ
easat-4852	89	8	technology	technology	NOUN
easat-4852	89	9	issn	issn	PROPN
easat-4852	89	10	:	:	PUNCT
easat-4852	89	11	2576	2576	NUM
easat-4852	89	12	-	-	SYM
easat-4852	89	13	8484	8484	NUM
easat-4852	89	14	vol	vol	NOUN
easat-4852	89	15	.	.	PROPN
easat-4852	90	1	9	9	NUM
easat-4852	90	2	,	,	PUNCT
easat-4852	90	3	no	no	INTJ
easat-4852	90	4	.	.	NOUN
easat-4852	90	5	2	2	NUM
easat-4852	90	6	:	:	PUNCT
easat-4852	90	7	1648	1648	NUM
easat-4852	90	8	-	-	SYM
easat-4852	90	9	1658	1658	NUM
easat-4852	90	10	,	,	PUNCT
easat-4852	90	11	2025	2025	NUM
easat-4852	90	12	doi	doi	NOUN
easat-4852	90	13	:	:	PUNCT
easat-4852	90	14	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	90	15	©	©	PROPN
easat-4852	90	16	2025	2025	NUM
easat-4852	90	17	by	by	ADP
easat-4852	90	18	the	the	DET
easat-4852	90	19	authors	author	NOUN
easat-4852	90	20	;	;	PUNCT
easat-4852	90	21	licensee	licensee	PROPN
easat-4852	90	22	learning	learn	VERB
easat-4852	90	23	gate	gate	NOUN
easat-4852	90	24	table	table	NOUN
easat-4852	90	25	1	1	NUM
easat-4852	90	26	.	.	PUNCT
easat-4852	90	27	variable	variable	ADJ
easat-4852	90	28	description	description	NOUN
easat-4852	90	29	and	and	CCONJ
easat-4852	90	30	data	datum	NOUN
easat-4852	90	31	source	source	NOUN
easat-4852	90	32	.	.	PUNCT
easat-4852	91	1	variable	variable	ADJ
easat-4852	91	2	name	name	NOUN
easat-4852	91	3	variable	variable	ADJ
easat-4852	91	4	notation	notation	NOUN
easat-4852	91	5	variable	variable	ADJ
easat-4852	91	6	description	description	NOUN
easat-4852	91	7	data	datum	NOUN
easat-4852	91	8	source	source	NOUN
easat-4852	91	9	returns	return	NOUN
easat-4852	91	10	on	on	ADP
easat-4852	91	11	assets	asset	NOUN
easat-4852	91	12	roa	roa	PROPN
easat-4852	91	13	roa	roa	PROPN
easat-4852	91	14	=	=	PROPN
easat-4852	91	15	profit	profit	NOUN
easat-4852	91	16	after	after	ADP
easat-4852	91	17	taxes/	taxes/	NUM
easat-4852	91	18	average	average	ADJ
easat-4852	91	19	total	total	ADJ
easat-4852	91	20	assets	asset	NOUN
easat-4852	91	21	banks	bank	NOUN
easat-4852	91	22	’	'	PUNCT
easat-4852	91	23	financial	financial	ADJ
easat-4852	91	24	statements	statement	NOUN
easat-4852	91	25	net	net	ADJ
easat-4852	91	26	interest	interest	NOUN
easat-4852	91	27	margin	margin	NOUN
easat-4852	91	28	nim	nim	PROPN
easat-4852	91	29	nim	nim	PROPN
easat-4852	91	30	=	=	PROPN
easat-4852	91	31	net	net	ADJ
easat-4852	91	32	interest	interest	NOUN
easat-4852	91	33	income/	income/	NUM
easat-4852	91	34	average	average	ADJ
easat-4852	91	35	interest	interest	NOUN
easat-4852	91	36	-	-	PUNCT
easat-4852	91	37	earning	earn	VERB
easat-4852	91	38	assets	asset	NOUN
easat-4852	91	39	banks	bank	NOUN
easat-4852	91	40	’	'	PUNCT
easat-4852	91	41	financial	financial	ADJ
easat-4852	91	42	statements	statement	NOUN
easat-4852	91	43	non	non	ADJ
easat-4852	91	44	-	-	ADJ
easat-4852	91	45	performing	perform	VERB
easat-4852	91	46	loan	loan	NOUN
easat-4852	91	47	ratio	ratio	NOUN
easat-4852	91	48	npl	npl	PROPN
easat-4852	91	49	npl	npl	PROPN
easat-4852	91	50	=	=	PUNCT
easat-4852	91	51	total	total	ADJ
easat-4852	91	52	non	non	ADJ
easat-4852	91	53	-	-	ADJ
easat-4852	91	54	performing	performing	ADJ
easat-4852	91	55	loans	loan	NOUN
easat-4852	91	56	/	/	SYM
easat-4852	91	57	total	total	ADJ
easat-4852	91	58	loans	loan	NOUN
easat-4852	91	59	banks	bank	NOUN
easat-4852	91	60	’	’	PART
easat-4852	91	61	financial	financial	ADJ
easat-4852	91	62	statements	statement	NOUN
easat-4852	91	63	cost	cost	VERB
easat-4852	91	64	to	to	ADP
easat-4852	91	65	income	income	NOUN
easat-4852	91	66	ratio	ratio	NOUN
easat-4852	91	67	cir	cir	NOUN
easat-4852	91	68	cir	cir	PROPN
easat-4852	91	69	=	=	PUNCT
easat-4852	91	70	operating	operate	VERB
easat-4852	91	71	cost/	cost/	NUM
easat-4852	91	72	operating	operate	VERB
easat-4852	91	73	income	income	NOUN
easat-4852	91	74	banks	bank	NOUN
easat-4852	91	75	’	’	PART
easat-4852	91	76	financial	financial	ADJ
easat-4852	91	77	statements	statement	NOUN
easat-4852	91	78	loan	loan	NOUN
easat-4852	91	79	to	to	PART
easat-4852	91	80	deposit	deposit	VERB
easat-4852	91	81	ratio	ratio	NOUN
easat-4852	91	82	ldr	ldr	PROPN
easat-4852	91	83	ldr	ldr	PROPN
easat-4852	91	84	=	=	PRON
easat-4852	91	85	total	total	NOUN
easat-4852	91	86	loans/	loans/	NUM
easat-4852	91	87	total	total	ADJ
easat-4852	91	88	deposits	deposit	NOUN
easat-4852	91	89	banks	bank	NOUN
easat-4852	91	90	’	’	PART
easat-4852	91	91	financial	financial	ADJ
easat-4852	91	92	statements	statement	NOUN
easat-4852	91	93	market	market	NOUN
easat-4852	91	94	share	share	NOUN
easat-4852	91	95	of	of	ADP
easat-4852	91	96	stateowned	stateowned	ADJ
easat-4852	91	97	commercial	commercial	ADJ
easat-4852	91	98	banks	bank	NOUN
easat-4852	91	99	cr4	cr4	NOUN
easat-4852	91	100	cr4	cr4	NOUN
easat-4852	91	101	=	=	SYM
easat-4852	91	102	total	total	ADJ
easat-4852	91	103	assets	asset	NOUN
easat-4852	91	104	of	of	ADP
easat-4852	91	105	state	state	NOUN
easat-4852	91	106	-	-	PUNCT
easat-4852	91	107	owned	own	VERB
easat-4852	91	108	commercial	commercial	ADJ
easat-4852	91	109	banks	bank	NOUN
easat-4852	91	110	in	in	ADP
easat-4852	91	111	the	the	DET
easat-4852	91	112	sample/	sample/	NUM
easat-4852	91	113	totals	total	NOUN
easat-4852	91	114	assets	asset	NOUN
easat-4852	91	115	of	of	ADP
easat-4852	91	116	commercial	commercial	ADJ
easat-4852	91	117	banks	bank	NOUN
easat-4852	91	118	in	in	ADP
easat-4852	91	119	the	the	DET
easat-4852	91	120	sample	sample	NOUN
easat-4852	91	121	banks	bank	NOUN
easat-4852	91	122	’	'	PUNCT
easat-4852	91	123	financial	financial	ADJ
easat-4852	91	124	statements	statement	NOUN
easat-4852	91	125	gdp	gdp	PROPN
easat-4852	91	126	growth	growth	PROPN
easat-4852	91	127	gdp	gdp	PROPN
easat-4852	91	128	gdp	gdp	PROPN
easat-4852	91	129	=	=	PUNCT
easat-4852	91	130	(	(	PUNCT
easat-4852	91	131	gdpt	gdpt	ADV
easat-4852	91	132	–	–	PUNCT
easat-4852	91	133	gdpt-1)/	gdpt-1)/	NOUN
easat-4852	91	134	gdpt-1	gdpt-1	NUM
easat-4852	91	135	world	world	NOUN
easat-4852	91	136	bank	bank	NOUN
easat-4852	91	137	inflation	inflation	NOUN
easat-4852	91	138	rate	rate	PROPN
easat-4852	91	139	inf	inf	PROPN
easat-4852	91	140	inf	inf	PROPN
easat-4852	91	141	=	=	SYM
easat-4852	91	142	(	(	PUNCT
easat-4852	91	143	cpit	cpit	PROPN
easat-4852	91	144	–	–	PUNCT
easat-4852	91	145	cpit-1)/	cpit-1)/	PROPN
easat-4852	91	146	cpit-1	cpit-1	NUM
easat-4852	91	147	general	general	ADJ
easat-4852	91	148	statistics	statistic	NOUN
easat-4852	91	149	office	office	PROPN
easat-4852	91	150	of	of	ADP
easat-4852	91	151	vietnam	vietnam	PROPN
easat-4852	91	152	equity	equity	PROPN
easat-4852	91	153	to	to	PART
easat-4852	91	154	total	total	VERB
easat-4852	91	155	asset	asset	NOUN
easat-4852	91	156	ratio	ratio	NOUN
easat-4852	91	157	ear	ear	NOUN
easat-4852	91	158	ear	ear	NOUN
easat-4852	91	159	=	=	AUX
easat-4852	91	160	total	total	VERB
easat-4852	91	161	equity/	equity/	NUM
easat-4852	91	162	total	total	ADJ
easat-4852	91	163	assets	asset	NOUN
easat-4852	91	164	banks	bank	NOUN
easat-4852	91	165	’	’	PART
easat-4852	91	166	financial	financial	ADJ
easat-4852	91	167	statements	statement	NOUN
easat-4852	91	168	loan	loan	NOUN
easat-4852	91	169	to	to	ADP
easat-4852	91	170	asset	asset	NOUN
easat-4852	91	171	ratio	ratio	NOUN
easat-4852	91	172	lta	lta	PROPN
easat-4852	91	173	lta	lta	PROPN
easat-4852	91	174	=	=	PUNCT
easat-4852	91	175	total	total	VERB
easat-4852	91	176	loans/	loans/	NUM
easat-4852	91	177	total	total	ADJ
easat-4852	91	178	assets	asset	NOUN
easat-4852	91	179	banks	bank	NOUN
easat-4852	91	180	’	'	PUNCT
easat-4852	91	181	financial	financial	ADJ
easat-4852	91	182	statements	statement	NOUN
easat-4852	91	183	bank	bank	NOUN
easat-4852	91	184	size	size	NOUN
easat-4852	91	185	logasset	logasset	NOUN
easat-4852	91	186	logasset	logasset	NOUN
easat-4852	92	1	=	=	PUNCT
easat-4852	92	2	log	log	NOUN
easat-4852	92	3	(	(	PUNCT
easat-4852	92	4	total	total	ADJ
easat-4852	92	5	assets	asset	NOUN
easat-4852	92	6	)	)	PUNCT
easat-4852	92	7	banks	bank	NOUN
easat-4852	92	8	’	’	PART
easat-4852	92	9	financial	financial	ADJ
easat-4852	92	10	statements	statement	NOUN
easat-4852	92	11	covid	covid	VERB
easat-4852	92	12	-19	-19	PUNCT
easat-4852	92	13	covid	covid	NOUN
easat-4852	92	14	=	=	NOUN
easat-4852	92	15	1	1	NUM
easat-4852	92	16	for	for	ADP
easat-4852	92	17	the	the	DET
easat-4852	92	18	year	year	NOUN
easat-4852	92	19	among	among	ADP
easat-4852	92	20	2020	2020	NUM
easat-4852	92	21	,	,	PUNCT
easat-4852	92	22	2021	2021	NUM
easat-4852	92	23	,	,	PUNCT
easat-4852	92	24	2022	2022	NUM
easat-4852	92	25	=	=	SYM
easat-4852	92	26	0	0	NUM
easat-4852	92	27	for	for	ADP
easat-4852	92	28	other	other	ADJ
easat-4852	92	29	years	year	NOUN
easat-4852	92	30	table	table	NOUN
easat-4852	92	31	2	2	NUM
easat-4852	92	32	.	.	PUNCT
easat-4852	92	33	data	datum	NOUN
easat-4852	92	34	description	description	NOUN
easat-4852	92	35	.	.	PUNCT
easat-4852	93	1	variable	variable	ADJ
easat-4852	93	2	mean	mean	VERB
easat-4852	93	3	standard	standard	ADJ
easat-4852	93	4	deviation	deviation	NOUN
easat-4852	93	5	min	min	PROPN
easat-4852	93	6	max	max	PROPN
easat-4852	93	7	roa	roa	PROPN
easat-4852	93	8	0.0104967	0.0104967	NUM
easat-4852	93	9	0.0073839	0.0073839	NUM
easat-4852	93	10	0.0001	0.0001	NUM
easat-4852	93	11	0.0358	0.0358	NUM
easat-4852	93	12	nim	nim	NOUN
easat-4852	93	13	0.0325256	0.0325256	NUM
easat-4852	93	14	0.0130115	0.0130115	NUM
easat-4852	93	15	0.0055	0.0055	NUM
easat-4852	93	16	0.0941	0.0941	NUM
easat-4852	93	17	npl	npl	NOUN
easat-4852	93	18	0.0188116	0.0188116	NUM
easat-4852	93	19	0.0101637	0.0101637	NUM
easat-4852	93	20	0.005	0.005	NUM
easat-4852	93	21	0.068	0.068	NUM
easat-4852	93	22	cir	cir	NOUN
easat-4852	93	23	0.4870826	0.4870826	NUM
easat-4852	93	24	0.1329771	0.1329771	NUM
easat-4852	93	25	0.2271	0.2271	NUM
easat-4852	93	26	0.8806	0.8806	NUM
easat-4852	93	27	ldr	ldr	NOUN
easat-4852	93	28	0.6902768	0.6902768	NUM
easat-4852	93	29	0.1222836	0.1222836	NUM
easat-4852	93	30	0.254	0.254	NUM
easat-4852	93	31	0.9169319	0.9169319	NUM
easat-4852	93	32	cr4	cr4	NOUN
easat-4852	94	1	0.5566818	0.5566818	NUM
easat-4852	94	2	0.2220435	0.2220435	NUM
easat-4852	94	3	0.5125	0.5125	NUM
easat-4852	94	4	0.5846	0.5846	NUM
easat-4852	94	5	gdp	gdp	NOUN
easat-4852	94	6	0.0599273	0.0599273	NUM
easat-4852	94	7	0.0174461	0.0174461	NUM
easat-4852	94	8	0.0256	0.0256	NUM
easat-4852	94	9	0.0802	0.0802	NUM
easat-4852	94	10	inf	inf	NOUN
easat-4852	94	11	0.0320818	0.0320818	NUM
easat-4852	94	12	0.0139804	0.0139804	NUM
easat-4852	94	13	0.0063	0.0063	NUM
easat-4852	94	14	0.0659	0.0659	NUM
easat-4852	94	15	ear	ear	NOUN
easat-4852	94	16	0.0838021	0.0838021	NUM
easat-4852	94	17	0.0323875	0.0323875	NUM
easat-4852	94	18	0.0352	0.0352	NUM
easat-4852	94	19	0.2921	0.2921	NUM
easat-4852	94	20	lta	lta	NOUN
easat-4852	94	21	0.6424079	0.6424079	NUM
easat-4852	94	22	0.1251594	0.1251594	NUM
easat-4852	94	23	0.1658	0.1658	NUM
easat-4852	94	24	1.4614	1.4614	NUM
easat-4852	94	25	logasset	logasset	NOUN
easat-4852	94	26	33.10299	33.10299	NUM
easat-4852	94	27	1.045251	1.045251	NUM
easat-4852	94	28	30.769	30.769	NUM
easat-4852	94	29	35.372	35.372	NUM
easat-4852	94	30	covid	covid	NOUN
easat-4852	94	31	0.2727273	0.2727273	NUM
easat-4852	94	32	0.4462848	0.4462848	NUM
easat-4852	94	33	0	0	NUM
easat-4852	94	34	1	1	NUM
easat-4852	94	35	the	the	DET
easat-4852	94	36	statistics	statistic	NOUN
easat-4852	94	37	presented	present	VERB
easat-4852	94	38	in	in	ADP
easat-4852	94	39	the	the	DET
easat-4852	94	40	table	table	NOUN
easat-4852	94	41	2	2	NUM
easat-4852	94	42	indicate	indicate	VERB
easat-4852	94	43	that	that	SCONJ
easat-4852	94	44	for	for	ADP
easat-4852	94	45	the	the	DET
easat-4852	94	46	dependent	dependent	ADJ
easat-4852	94	47	variables	variable	NOUN
easat-4852	94	48	roa	roa	PROPN
easat-4852	94	49	and	and	CCONJ
easat-4852	94	50	nim	nim	PROPN
easat-4852	94	51	of	of	ADP
easat-4852	94	52	commercial	commercial	ADJ
easat-4852	94	53	banks	bank	NOUN
easat-4852	94	54	during	during	ADP
easat-4852	94	55	the	the	DET
easat-4852	94	56	2013–2024	2013–2024	NUM
easat-4852	94	57	period	period	NOUN
easat-4852	94	58	,	,	PUNCT
easat-4852	94	59	the	the	DET
easat-4852	94	60	average	average	ADJ
easat-4852	94	61	values	value	NOUN
easat-4852	94	62	are	be	AUX
easat-4852	94	63	1.05	1.05	NUM
easat-4852	94	64	%	%	NOUN
easat-4852	94	65	and	and	CCONJ
easat-4852	94	66	3.25	3.25	NUM
easat-4852	94	67	%	%	NOUN
easat-4852	94	68	,	,	PUNCT
easat-4852	94	69	respectively	respectively	ADV
easat-4852	94	70	.	.	PUNCT
easat-4852	95	1	notably	notably	ADV
easat-4852	95	2	,	,	PUNCT
easat-4852	95	3	the	the	DET
easat-4852	95	4	lta	lta	PROPN
easat-4852	95	5	variable	variable	NOUN
easat-4852	95	6	exhibits	exhibit	VERB
easat-4852	95	7	significant	significant	ADJ
easat-4852	95	8	variation	variation	NOUN
easat-4852	95	9	,	,	PUNCT
easat-4852	95	10	with	with	ADP
easat-4852	95	11	a	a	DET
easat-4852	95	12	minimum	minimum	ADJ
easat-4852	95	13	value	value	NOUN
easat-4852	95	14	of	of	ADP
easat-4852	95	15	16.58	16.58	NUM
easat-4852	95	16	%	%	NOUN
easat-4852	95	17	and	and	CCONJ
easat-4852	95	18	a	a	DET
easat-4852	95	19	maximum	maximum	ADJ
easat-4852	95	20	recorded	record	VERB
easat-4852	95	21	value	value	NOUN
easat-4852	95	22	of	of	ADP
easat-4852	95	23	146.14	146.14	NUM
easat-4852	95	24	%	%	NOUN
easat-4852	95	25	.	.	PUNCT
easat-4852	96	1	the	the	DET
easat-4852	96	2	average	average	ADJ
easat-4852	96	3	size	size	NOUN
easat-4852	96	4	of	of	ADP
easat-4852	96	5	commercial	commercial	ADJ
easat-4852	96	6	banks	bank	NOUN
easat-4852	96	7	is	be	AUX
easat-4852	96	8	33.103	33.103	NUM
easat-4852	96	9	,	,	PUNCT
easat-4852	96	10	with	with	ADP
easat-4852	96	11	the	the	DET
easat-4852	96	12	largest	large	ADJ
easat-4852	96	13	recorded	record	VERB
easat-4852	96	14	size	size	NOUN
easat-4852	96	15	being	be	AUX
easat-4852	96	16	35.37	35.37	NUM
easat-4852	96	17	and	and	CCONJ
easat-4852	96	18	the	the	DET
easat-4852	96	19	smallest	small	ADJ
easat-4852	96	20	at	at	ADP
easat-4852	96	21	30.769	30.769	NUM
easat-4852	96	22	.	.	PUNCT
easat-4852	97	1	regarding	regard	VERB
easat-4852	97	2	macroeconomic	macroeconomic	ADJ
easat-4852	97	3	variables	variable	NOUN
easat-4852	97	4	,	,	PUNCT
easat-4852	97	5	gdp	gdp	NOUN
easat-4852	97	6	and	and	CCONJ
easat-4852	97	7	the	the	DET
easat-4852	97	8	inflation	inflation	NOUN
easat-4852	97	9	rate	rate	NOUN
easat-4852	97	10	(	(	PUNCT
easat-4852	97	11	inf	inf	NOUN
easat-4852	97	12	)	)	PUNCT
easat-4852	97	13	have	have	VERB
easat-4852	97	14	average	average	ADJ
easat-4852	97	15	values	value	NOUN
easat-4852	97	16	of	of	ADP
easat-4852	97	17	5.99	5.99	NUM
easat-4852	97	18	%	%	NOUN
easat-4852	97	19	and	and	CCONJ
easat-4852	97	20	3.2	3.2	NUM
easat-4852	97	21	%	%	NOUN
easat-4852	97	22	,	,	PUNCT
easat-4852	97	23	respectively	respectively	ADV
easat-4852	97	24	,	,	PUNCT
easat-4852	97	25	over	over	ADP
easat-4852	97	26	the	the	DET
easat-4852	97	27	period	period	NOUN
easat-4852	97	28	.	.	PUNCT
easat-4852	98	1	the	the	DET
easat-4852	98	2	statistical	statistical	ADJ
easat-4852	98	3	results	result	NOUN
easat-4852	98	4	comprehensively	comprehensively	ADV
easat-4852	98	5	outline	outline	VERB
easat-4852	98	6	the	the	DET
easat-4852	98	7	key	key	ADJ
easat-4852	98	8	characteristics	characteristic	NOUN
easat-4852	98	9	of	of	ADP
easat-4852	98	10	each	each	DET
easat-4852	98	11	variable	variable	NOUN
easat-4852	98	12	under	under	ADP
easat-4852	98	13	consideration	consideration	NOUN
easat-4852	98	14	.	.	PUNCT
easat-4852	99	1	overall	overall	ADV
easat-4852	99	2	,	,	PUNCT
easat-4852	99	3	most	most	ADJ
easat-4852	99	4	variables	variable	NOUN
easat-4852	99	5	exhibit	exhibit	VERB
easat-4852	99	6	relatively	relatively	ADV
easat-4852	99	7	low	low	ADJ
easat-4852	99	8	standard	standard	ADJ
easat-4852	99	9	deviations	deviation	NOUN
easat-4852	99	10	,	,	PUNCT
easat-4852	99	11	indicating	indicate	VERB
easat-4852	99	12	that	that	SCONJ
easat-4852	99	13	the	the	DET
easat-4852	99	14	dataset	dataset	NOUN
easat-4852	99	15	can	can	AUX
easat-4852	99	16	be	be	AUX
easat-4852	99	17	reliably	reliably	ADV
easat-4852	99	18	used	use	VERB
easat-4852	99	19	in	in	ADP
easat-4852	99	20	the	the	DET
easat-4852	99	21	regression	regression	NOUN
easat-4852	99	22	model	model	NOUN
easat-4852	99	23	.	.	PUNCT
easat-4852	100	1	1652	1652	NUM
easat-4852	100	2	edelweiss	edelweiss	PROPN
easat-4852	100	3	applied	apply	VERB
easat-4852	100	4	science	science	NOUN
easat-4852	100	5	and	and	CCONJ
easat-4852	100	6	technology	technology	NOUN
easat-4852	100	7	issn	issn	PROPN
easat-4852	100	8	:	:	PUNCT
easat-4852	100	9	2576	2576	NUM
easat-4852	100	10	-	-	SYM
easat-4852	100	11	8484	8484	NUM
easat-4852	100	12	vol	vol	NOUN
easat-4852	100	13	.	.	PROPN
easat-4852	101	1	9	9	NUM
easat-4852	101	2	,	,	PUNCT
easat-4852	101	3	no	no	INTJ
easat-4852	101	4	.	.	NOUN
easat-4852	101	5	2	2	NUM
easat-4852	101	6	:	:	PUNCT
easat-4852	101	7	1648	1648	NUM
easat-4852	101	8	-	-	SYM
easat-4852	101	9	1658	1658	NUM
easat-4852	101	10	,	,	PUNCT
easat-4852	101	11	2025	2025	NUM
easat-4852	101	12	doi	doi	NOUN
easat-4852	101	13	:	:	PUNCT
easat-4852	101	14	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	101	15	©	©	PROPN
easat-4852	101	16	2025	2025	NUM
easat-4852	101	17	by	by	ADP
easat-4852	101	18	the	the	DET
easat-4852	101	19	authors	author	NOUN
easat-4852	101	20	;	;	PUNCT
easat-4852	101	21	licensee	licensee	PROPN
easat-4852	101	22	learning	learning	NOUN
easat-4852	101	23	gate	gate	PROPN
easat-4852	101	24	3.2	3.2	NUM
easat-4852	101	25	.	.	PUNCT
easat-4852	102	1	methodology	methodology	NOUN
easat-4852	102	2	the	the	DET
easat-4852	102	3	study	study	NOUN
easat-4852	102	4	utilizes	utilize	VERB
easat-4852	102	5	panel	panel	NOUN
easat-4852	102	6	data	datum	NOUN
easat-4852	102	7	with	with	ADP
easat-4852	102	8	the	the	DET
easat-4852	102	9	following	follow	VERB
easat-4852	102	10	models	model	NOUN
easat-4852	102	11	:	:	PUNCT
easat-4852	102	12	pooled	pool	VERB
easat-4852	102	13	ols	ol	NOUN
easat-4852	102	14	,	,	PUNCT
easat-4852	102	15	fixed	fix	VERB
easat-4852	102	16	effects	effect	NOUN
easat-4852	102	17	model	model	NOUN
easat-4852	102	18	(	(	PUNCT
easat-4852	102	19	fem	fem	PROPN
easat-4852	102	20	)	)	PUNCT
easat-4852	102	21	,	,	PUNCT
easat-4852	102	22	random	random	ADJ
easat-4852	102	23	effects	effect	NOUN
easat-4852	102	24	model	model	NOUN
easat-4852	102	25	(	(	PUNCT
easat-4852	102	26	rem	rem	NOUN
easat-4852	102	27	)	)	PUNCT
easat-4852	102	28	,	,	PUNCT
easat-4852	102	29	and	and	CCONJ
easat-4852	102	30	feasible	feasible	ADJ
easat-4852	102	31	generalized	generalized	ADJ
easat-4852	102	32	least	least	ADJ
easat-4852	102	33	squares	square	NOUN
easat-4852	102	34	(	(	PUNCT
easat-4852	102	35	fgls	fgls	NUM
easat-4852	102	36	)	)	PUNCT
easat-4852	102	37	.	.	PUNCT
easat-4852	103	1	the	the	DET
easat-4852	103	2	general	general	ADJ
easat-4852	103	3	research	research	NOUN
easat-4852	103	4	model	model	NOUN
easat-4852	103	5	for	for	ADP
easat-4852	103	6	bank	bank	PROPN
easat-4852	103	7	i	i	PRON
easat-4852	103	8	in	in	ADP
easat-4852	103	9	year	year	NOUN
easat-4852	103	10	t	t	PROPN
easat-4852	103	11	is	be	AUX
easat-4852	103	12	constructed	construct	VERB
easat-4852	103	13	as	as	SCONJ
easat-4852	103	14	follows	follow	VERB
easat-4852	103	15	:	:	PUNCT
easat-4852	104	1	roai	roai	NOUN
easat-4852	104	2	,	,	PUNCT
easat-4852	104	3	t	t	NOUN
easat-4852	104	4	=	=	SYM
easat-4852	104	5	β1	β1	PROPN
easat-4852	104	6	+	+	CCONJ
easat-4852	104	7	β2	β2	PROPN
easat-4852	104	8	*	*	PROPN
easat-4852	104	9	npli	npli	PROPN
easat-4852	104	10	,	,	PUNCT
easat-4852	104	11	t	t	PROPN
easat-4852	104	12	+	+	CCONJ
easat-4852	104	13	β3	β3	PROPN
easat-4852	104	14	*	*	PUNCT
easat-4852	104	15	ciri	ciri	PROPN
easat-4852	104	16	,	,	PUNCT
easat-4852	104	17	t	t	PROPN
easat-4852	104	18	+	+	CCONJ
easat-4852	104	19	β4	β4	PROPN
easat-4852	104	20	*	*	PUNCT
easat-4852	104	21	ldri	ldri	PROPN
easat-4852	104	22	,	,	PUNCT
easat-4852	104	23	t	t	PROPN
easat-4852	104	24	+	+	CCONJ
easat-4852	104	25	β5	β5	PROPN
easat-4852	104	26	*	*	PUNCT
easat-4852	104	27	ltait	ltait	NOUN
easat-4852	104	28	+	+	CCONJ
easat-4852	104	29	β6	β6	PROPN
easat-4852	104	30	*	*	PUNCT
easat-4852	104	31	logasseti	logasseti	PROPN
easat-4852	104	32	,	,	PUNCT
easat-4852	104	33	t	t	PROPN
easat-4852	104	34	+	+	CCONJ
easat-4852	104	35	β7	β7	PROPN
easat-4852	104	36	*	*	NOUN
easat-4852	104	37	eari	eari	PROPN
easat-4852	104	38	,	,	PUNCT
easat-4852	104	39	t	t	PROPN
easat-4852	104	40	+	+	NUM
easat-4852	104	41	β8	β8	PROPN
easat-4852	104	42	*	*	PUNCT
easat-4852	104	43	cr4i	cr4i	PROPN
easat-4852	104	44	,	,	PUNCT
easat-4852	104	45	t	t	PROPN
easat-4852	104	46	+	+	CCONJ
easat-4852	104	47	β9	β9	PROPN
easat-4852	104	48	*	*	PUNCT
easat-4852	104	49	gdpi	gdpi	PROPN
easat-4852	104	50	,	,	PUNCT
easat-4852	104	51	t	t	PROPN
easat-4852	104	52	+	+	NUM
easat-4852	104	53	β10	β10	NOUN
easat-4852	104	54	*	*	PUNCT
easat-4852	104	55	infi	infi	PROPN
easat-4852	104	56	,	,	PUNCT
easat-4852	104	57	t	t	PROPN
easat-4852	104	58	+	+	NUM
easat-4852	104	59	β11	β11	PROPN
easat-4852	104	60	*	*	PUNCT
easat-4852	104	61	covidi	covidi	PROPN
easat-4852	104	62	,	,	PUNCT
easat-4852	104	63	t	t	PROPN
easat-4852	104	64	+	+	CCONJ
easat-4852	104	65	ei	ei	PROPN
easat-4852	104	66	,	,	PUNCT
easat-4852	104	67	t	t	PROPN
easat-4852	104	68	(	(	PUNCT
easat-4852	104	69	1	1	NUM
easat-4852	104	70	)	)	PUNCT
easat-4852	104	71	nimi	nimi	NOUN
easat-4852	104	72	,	,	PUNCT
easat-4852	104	73	t	t	NOUN
easat-4852	104	74	=	=	SYM
easat-4852	104	75	γ1	γ1	PROPN
easat-4852	104	76	+	+	CCONJ
easat-4852	104	77	γ2	γ2	PROPN
easat-4852	104	78	*	*	PUNCT
easat-4852	104	79	npli	npli	PROPN
easat-4852	104	80	,	,	PUNCT
easat-4852	104	81	t	t	PROPN
easat-4852	104	82	+	+	CCONJ
easat-4852	104	83	γ3	γ3	PROPN
easat-4852	104	84	*	*	PUNCT
easat-4852	104	85	ciri	ciri	PROPN
easat-4852	104	86	,	,	PUNCT
easat-4852	104	87	t	t	PROPN
easat-4852	104	88	+	+	CCONJ
easat-4852	104	89	γ4	γ4	PROPN
easat-4852	104	90	*	*	PUNCT
easat-4852	104	91	ldri	ldri	PROPN
easat-4852	104	92	,	,	PUNCT
easat-4852	104	93	t	t	PROPN
easat-4852	104	94	+	+	CCONJ
easat-4852	104	95	γ5	γ5	PROPN
easat-4852	104	96	*	*	PUNCT
easat-4852	104	97	ltai	ltai	ADJ
easat-4852	104	98	,	,	PUNCT
easat-4852	104	99	t	t	PROPN
easat-4852	104	100	+	+	CCONJ
easat-4852	104	101	γ6	γ6	PROPN
easat-4852	104	102	*	*	PUNCT
easat-4852	104	103	logasseti	logasseti	PROPN
easat-4852	104	104	,	,	PUNCT
easat-4852	104	105	t	t	PROPN
easat-4852	104	106	+	+	CCONJ
easat-4852	104	107	γ7	γ7	PROPN
easat-4852	104	108	*	*	PROPN
easat-4852	104	109	eari	eari	PROPN
easat-4852	104	110	,	,	PUNCT
easat-4852	104	111	t	t	PROPN
easat-4852	104	112	+	+	CCONJ
easat-4852	104	113	γ8	γ8	PROPN
easat-4852	104	114	*	*	PUNCT
easat-4852	104	115	cr4i	cr4i	PROPN
easat-4852	104	116	,	,	PUNCT
easat-4852	104	117	t	t	NOUN
easat-4852	104	118	+	+	CCONJ
easat-4852	104	119	γ9	γ9	PROPN
easat-4852	104	120	*	*	PUNCT
easat-4852	104	121	gdpi	gdpi	PROPN
easat-4852	104	122	,	,	PUNCT
easat-4852	104	123	t	t	PROPN
easat-4852	104	124	+	+	CCONJ
easat-4852	104	125	γ10	γ10	PROPN
easat-4852	104	126	*	*	PUNCT
easat-4852	104	127	infi	infi	PROPN
easat-4852	104	128	,	,	PUNCT
easat-4852	104	129	t	t	PROPN
easat-4852	104	130	+	+	NUM
easat-4852	104	131	γ11	γ11	PROPN
easat-4852	104	132	*	*	PUNCT
easat-4852	104	133	covidi	covidi	NOUN
easat-4852	104	134	,	,	PUNCT
easat-4852	104	135	t	t	PROPN
easat-4852	104	136	+	+	CCONJ
easat-4852	104	137	ei	ei	PROPN
easat-4852	104	138	,	,	PUNCT
easat-4852	104	139	t	t	PROPN
easat-4852	104	140	(	(	PUNCT
easat-4852	104	141	2	2	NUM
easat-4852	104	142	)	)	PUNCT
easat-4852	104	143	where	where	SCONJ
easat-4852	104	144	roa	roa	PROPN
easat-4852	104	145	and	and	CCONJ
easat-4852	104	146	nim	nim	PROPN
easat-4852	104	147	are	be	AUX
easat-4852	104	148	the	the	DET
easat-4852	104	149	dependent	dependent	ADJ
easat-4852	104	150	variables	variable	NOUN
easat-4852	104	151	representing	represent	VERB
easat-4852	104	152	the	the	DET
easat-4852	104	153	profitability	profitability	NOUN
easat-4852	104	154	of	of	ADP
easat-4852	104	155	vietnamese	vietnamese	ADJ
easat-4852	104	156	commercial	commercial	ADJ
easat-4852	104	157	banks	bank	NOUN
easat-4852	104	158	.	.	PUNCT
easat-4852	105	1	the	the	DET
easat-4852	105	2	independent	independent	ADJ
easat-4852	105	3	variables	variable	NOUN
easat-4852	105	4	are	be	AUX
easat-4852	105	5	categorized	categorize	VERB
easat-4852	105	6	into	into	ADP
easat-4852	105	7	two	two	NUM
easat-4852	105	8	groups	group	NOUN
easat-4852	105	9	:	:	PUNCT
easat-4852	105	10	internal	internal	ADJ
easat-4852	105	11	factors	factor	NOUN
easat-4852	105	12	(	(	PUNCT
easat-4852	105	13	including	include	VERB
easat-4852	105	14	npl	npl	PROPN
easat-4852	105	15	,	,	PUNCT
easat-4852	105	16	cir	cir	NOUN
easat-4852	105	17	,	,	PUNCT
easat-4852	105	18	ldr	ldr	PROPN
easat-4852	105	19	,	,	PUNCT
easat-4852	105	20	gdp	gdp	PROPN
easat-4852	105	21	,	,	PUNCT
easat-4852	105	22	inf	inf	NOUN
easat-4852	105	23	,	,	PUNCT
easat-4852	105	24	ear	ear	NOUN
easat-4852	105	25	,	,	PUNCT
easat-4852	105	26	and	and	CCONJ
easat-4852	105	27	logasset	logasset	NOUN
easat-4852	105	28	)	)	PUNCT
easat-4852	105	29	and	and	CCONJ
easat-4852	105	30	external	external	ADJ
easat-4852	105	31	factors	factor	NOUN
easat-4852	105	32	(	(	PUNCT
easat-4852	105	33	including	include	VERB
easat-4852	105	34	cr4	cr4	PROPN
easat-4852	105	35	,	,	PUNCT
easat-4852	105	36	gdp	gdp	PROPN
easat-4852	105	37	,	,	PUNCT
easat-4852	105	38	inf	inf	NOUN
easat-4852	105	39	,	,	PUNCT
easat-4852	105	40	and	and	CCONJ
easat-4852	105	41	covid	covid	PROPN
easat-4852	105	42	)	)	PUNCT
easat-4852	105	43	.	.	PUNCT
easat-4852	106	1	the	the	DET
easat-4852	106	2	term	term	NOUN
easat-4852	106	3	eᵢₜ	eᵢₜ	NOUN
easat-4852	106	4	represents	represent	VERB
easat-4852	106	5	the	the	DET
easat-4852	106	6	error	error	NOUN
easat-4852	106	7	term	term	NOUN
easat-4852	106	8	of	of	ADP
easat-4852	106	9	the	the	DET
easat-4852	106	10	model	model	NOUN
easat-4852	106	11	.	.	PUNCT
easat-4852	107	1	table	table	NOUN
easat-4852	107	2	3	3	NUM
easat-4852	107	3	.	.	PUNCT
easat-4852	107	4	correlation	correlation	NOUN
easat-4852	107	5	matrix	matrix	NOUN
easat-4852	107	6	of	of	ADP
easat-4852	107	7	independent	independent	ADJ
easat-4852	107	8	variables	variable	NOUN
easat-4852	107	9	.	.	PUNCT
easat-4852	108	1	npl	npl	PROPN
easat-4852	108	2	cir	cir	PROPN
easat-4852	108	3	ldr	ldr	PROPN
easat-4852	108	4	cr4	cr4	PROPN
easat-4852	108	5	gdp	gdp	PROPN
easat-4852	108	6	inf	inf	PROPN
easat-4852	108	7	ear	ear	X
easat-4852	108	8	lta	lta	PROPN
easat-4852	108	9	logasset	logasset	PROPN
easat-4852	108	10	covid	covid	PROPN
easat-4852	108	11	npl	npl	PROPN
easat-4852	108	12	1.0000	1.0000	NUM
easat-4852	108	13	cir	cir	NOUN
easat-4852	108	14	0.3060	0.3060	NUM
easat-4852	108	15	1.0000	1.0000	NUM
easat-4852	108	16	ldr	ldr	NOUN
easat-4852	108	17	-0.1391	-0.1391	NOUN
easat-4852	108	18	-0.4170	-0.4170	PART
easat-4852	108	19	1.0000	1.0000	NUM
easat-4852	108	20	cr4	cr4	PROPN
easat-4852	108	21	-0.0365	-0.0365	NOUN
easat-4852	108	22	0.3506	0.3506	NUM
easat-4852	108	23	-0.2115	-0.2115	PROPN
easat-4852	108	24	1.0000	1.0000	NUM
easat-4852	108	25	gdp	gdp	NOUN
easat-4852	108	26	0.0607	0.0607	NUM
easat-4852	108	27	0.1925	0.1925	NUM
easat-4852	108	28	-0.0959	-0.0959	VERB
easat-4852	108	29	0.5757	0.5757	NUM
easat-4852	108	30	1.0000	1.0000	NUM
easat-4852	108	31	inf	inf	NOUN
easat-4852	108	32	0.3057	0.3057	NUM
easat-4852	108	33	0.1571	0.1571	NUM
easat-4852	108	34	-0.2400	-0.2400	NOUN
easat-4852	108	35	-0.1707	-0.1707	NOUN
easat-4852	108	36	0.0267	0.0267	NUM
easat-4852	108	37	1.0000	1.0000	NUM
easat-4852	108	38	ear	ear	NOUN
easat-4852	108	39	0.0765	0.0765	NUM
easat-4852	108	40	-0.2171	-0.2171	NOUN
easat-4852	108	41	-0.0485	-0.0485	NOUN
easat-4852	108	42	-0.2698	-0.2698	NOUN
easat-4852	108	43	-0.0954	-0.0954	VERB
easat-4852	108	44	0.0420	0.0420	NUM
easat-4852	108	45	1.0000	1.0000	NUM
easat-4852	108	46	lta	lta	NOUN
easat-4852	108	47	-0.0484	-0.0484	NOUN
easat-4852	108	48	-0.2170	-0.2170	VERB
easat-4852	109	1	0.6258	0.6258	NUM
easat-4852	109	2	-0.1666	-0.1666	NOUN
easat-4852	109	3	-0.0807	-0.0807	PROPN
easat-4852	109	4	-0.1534	-0.1534	VERB
easat-4852	109	5	0.3223	0.3223	NUM
easat-4852	109	6	1.0000	1.0000	NUM
easat-4852	109	7	logasset	logasset	NOUN
easat-4852	109	8	-0.1755	-0.1755	PROPN
easat-4852	109	9	-0.6012	-0.6012	NOUN
easat-4852	109	10	0.5215	0.5215	NUM
easat-4852	109	11	-0.2381	-0.2381	PROPN
easat-4852	109	12	-0.1145	-0.1145	NOUN
easat-4852	109	13	-0.1362	-0.1362	PROPN
easat-4852	109	14	-0.2130	-0.2130	VERB
easat-4852	109	15	0.2123	0.2123	NUM
easat-4852	109	16	1.0000	1.0000	NUM
easat-4852	109	17	covid	covid	PROPN
easat-4852	109	18	-0.2413	-0.2413	PROPN
easat-4852	109	19	-0.3734	-0.3734	PROPN
easat-4852	110	1	0.3039	0.3039	NUM
easat-4852	110	2	-0.4647	-0.4647	NOUN
easat-4852	110	3	-0.5309	-0.5309	PUNCT
easat-4852	110	4	-0.2070	-0.2070	PROPN
easat-4852	110	5	0.1461	0.1461	NUM
easat-4852	110	6	0.2098	0.2098	NUM
easat-4852	110	7	0.2385	0.2385	NUM
easat-4852	110	8	1.0000	1.0000	NUM
easat-4852	110	9	4	4	NUM
easat-4852	110	10	.	.	PUNCT
easat-4852	111	1	research	research	NOUN
easat-4852	111	2	findings	finding	VERB
easat-4852	111	3	the	the	DET
easat-4852	111	4	results	result	NOUN
easat-4852	111	5	in	in	ADP
easat-4852	111	6	the	the	DET
easat-4852	111	7	table	table	NOUN
easat-4852	111	8	3	3	NUM
easat-4852	111	9	indicate	indicate	VERB
easat-4852	111	10	that	that	SCONJ
easat-4852	111	11	all	all	DET
easat-4852	111	12	pairs	pair	NOUN
easat-4852	111	13	of	of	ADP
easat-4852	111	14	independent	independent	ADJ
easat-4852	111	15	variables	variable	NOUN
easat-4852	111	16	have	have	VERB
easat-4852	111	17	correlation	correlation	NOUN
easat-4852	111	18	coefficients	coefficient	NOUN
easat-4852	111	19	below	below	ADP
easat-4852	111	20	0.8	0.8	NUM
easat-4852	111	21	.	.	PUNCT
easat-4852	112	1	according	accord	VERB
easat-4852	112	2	to	to	ADP
easat-4852	112	3	the	the	DET
easat-4852	112	4	benchmark	benchmark	NOUN
easat-4852	112	5	set	set	VERB
easat-4852	112	6	by	by	ADP
easat-4852	112	7	farrar	farrar	PROPN
easat-4852	112	8	and	and	CCONJ
easat-4852	112	9	glauber	glauber	PROPN
easat-4852	112	10	[	[	X
easat-4852	112	11	20	20	NUM
easat-4852	112	12	]	]	PUNCT
easat-4852	112	13	this	this	PRON
easat-4852	112	14	suggests	suggest	VERB
easat-4852	112	15	that	that	SCONJ
easat-4852	112	16	the	the	DET
easat-4852	112	17	model	model	NOUN
easat-4852	112	18	does	do	AUX
easat-4852	112	19	not	not	PART
easat-4852	112	20	suffer	suffer	VERB
easat-4852	112	21	from	from	ADP
easat-4852	112	22	autocorrelation	autocorrelation	NOUN
easat-4852	112	23	.	.	PUNCT
easat-4852	113	1	in	in	ADP
easat-4852	113	2	the	the	DET
easat-4852	113	3	next	next	ADJ
easat-4852	113	4	step	step	NOUN
easat-4852	113	5	,	,	PUNCT
easat-4852	113	6	the	the	DET
easat-4852	113	7	authors	author	NOUN
easat-4852	113	8	employ	employ	VERB
easat-4852	113	9	the	the	DET
easat-4852	113	10	variance	variance	NOUN
easat-4852	113	11	inflation	inflation	NOUN
easat-4852	113	12	factor	factor	NOUN
easat-4852	113	13	(	(	PUNCT
easat-4852	113	14	vif	vif	NOUN
easat-4852	113	15	)	)	PUNCT
easat-4852	113	16	to	to	PART
easat-4852	113	17	determine	determine	VERB
easat-4852	113	18	whether	whether	SCONJ
easat-4852	113	19	multicollinearity	multicollinearity	NOUN
easat-4852	113	20	is	be	AUX
easat-4852	113	21	present	present	ADJ
easat-4852	113	22	in	in	ADP
easat-4852	113	23	the	the	DET
easat-4852	113	24	model	model	NOUN
easat-4852	113	25	,	,	PUNCT
easat-4852	113	26	ensuring	ensure	VERB
easat-4852	113	27	its	its	PRON
easat-4852	113	28	suitability	suitability	NOUN
easat-4852	113	29	for	for	ADP
easat-4852	113	30	analysis	analysis	NOUN
easat-4852	113	31	.	.	PUNCT
easat-4852	114	1	the	the	DET
easat-4852	114	2	results	result	NOUN
easat-4852	114	3	are	be	AUX
easat-4852	114	4	shown	show	VERB
easat-4852	114	5	in	in	ADP
easat-4852	114	6	the	the	DET
easat-4852	114	7	table	table	NOUN
easat-4852	114	8	4	4	NUM
easat-4852	114	9	.	.	PUNCT
easat-4852	114	10	table	table	NOUN
easat-4852	114	11	4	4	NUM
easat-4852	114	12	.	.	PUNCT
easat-4852	114	13	multicollinearity	multicollinearity	NOUN
easat-4852	114	14	test	test	NOUN
easat-4852	114	15	results	result	NOUN
easat-4852	114	16	.	.	PUNCT
easat-4852	115	1	variable	variable	ADJ
easat-4852	115	2	vif	vif	NOUN
easat-4852	115	3	1	1	NUM
easat-4852	115	4	/	/	SYM
easat-4852	115	5	vif	vif	NOUN
easat-4852	115	6	ldr	ldr	VERB
easat-4852	115	7	2.60	2.60	NUM
easat-4852	115	8	0.384622	0.384622	NUM
easat-4852	115	9	cir	cir	NOUN
easat-4852	115	10	2.35	2.35	NUM
easat-4852	115	11	0.425431	0.425431	NUM
easat-4852	115	12	logasset	logasset	NOUN
easat-4852	115	13	2.26	2.26	NUM
easat-4852	115	14	0.442297	0.442297	NUM
easat-4852	116	1	lta	lta	NOUN
easat-4852	116	2	2.18	2.18	NUM
easat-4852	116	3	0.457698	0.457698	NUM
easat-4852	116	4	cr4	cr4	NOUN
easat-4852	116	5	2.06	2.06	NUM
easat-4852	116	6	0.484408	0.484408	NUM
easat-4852	116	7	ear	ear	X
easat-4852	116	8	1.84	1.84	NUM
easat-4852	116	9	0.542800	0.542800	NUM
easat-4852	116	10	gdp	gdp	NOUN
easat-4852	116	11	1.80	1.80	NUM
easat-4852	116	12	0.555685	0.555685	NUM
easat-4852	116	13	covid	covid	NOUN
easat-4852	116	14	1.78	1.78	NUM
easat-4852	116	15	0.561896	0.561896	NUM
easat-4852	116	16	inf	inf	NOUN
easat-4852	116	17	1.29	1.29	NUM
easat-4852	116	18	0.775267	0.775267	NUM
easat-4852	116	19	npl	npl	NOUN
easat-4852	116	20	1.27	1.27	NUM
easat-4852	116	21	0.785759	0.785759	NUM
easat-4852	116	22	mean	mean	NOUN
easat-4852	116	23	vif	vif	PROPN
easat-4852	116	24	1.94	1.94	NUM
easat-4852	116	25	the	the	DET
easat-4852	116	26	table	table	NOUN
easat-4852	116	27	4	4	NUM
easat-4852	116	28	shows	show	VERB
easat-4852	116	29	that	that	SCONJ
easat-4852	116	30	the	the	DET
easat-4852	116	31	average	average	ADJ
easat-4852	116	32	vif	vif	NOUN
easat-4852	116	33	of	of	ADP
easat-4852	116	34	the	the	DET
easat-4852	116	35	variables	variable	NOUN
easat-4852	116	36	is	be	AUX
easat-4852	116	37	1.94	1.94	NUM
easat-4852	116	38	,	,	PUNCT
easat-4852	116	39	which	which	PRON
easat-4852	116	40	is	be	AUX
easat-4852	116	41	below	below	ADP
easat-4852	116	42	the	the	DET
easat-4852	116	43	threshold	threshold	NOUN
easat-4852	116	44	of	of	ADP
easat-4852	116	45	2	2	NUM
easat-4852	116	46	,	,	PUNCT
easat-4852	116	47	and	and	CCONJ
easat-4852	116	48	no	no	DET
easat-4852	116	49	variable	variable	NOUN
easat-4852	116	50	has	have	VERB
easat-4852	116	51	a	a	DET
easat-4852	116	52	vif	vif	NOUN
easat-4852	116	53	exceeding	exceed	VERB
easat-4852	116	54	10	10	NUM
easat-4852	116	55	.	.	PUNCT
easat-4852	117	1	this	this	PRON
easat-4852	117	2	indicates	indicate	VERB
easat-4852	117	3	that	that	SCONJ
easat-4852	117	4	the	the	DET
easat-4852	117	5	model	model	NOUN
easat-4852	117	6	does	do	AUX
easat-4852	117	7	not	not	PART
easat-4852	117	8	exhibit	exhibit	VERB
easat-4852	117	9	signs	sign	NOUN
easat-4852	117	10	of	of	ADP
easat-4852	117	11	1653	1653	NUM
easat-4852	117	12	edelweiss	edelweiss	PROPN
easat-4852	117	13	applied	apply	VERB
easat-4852	117	14	science	science	NOUN
easat-4852	117	15	and	and	CCONJ
easat-4852	117	16	technology	technology	NOUN
easat-4852	117	17	issn	issn	PROPN
easat-4852	117	18	:	:	PUNCT
easat-4852	117	19	2576	2576	NUM
easat-4852	117	20	-	-	SYM
easat-4852	117	21	8484	8484	NUM
easat-4852	117	22	vol	vol	NOUN
easat-4852	117	23	.	.	PROPN
easat-4852	118	1	9	9	NUM
easat-4852	118	2	,	,	PUNCT
easat-4852	118	3	no	no	INTJ
easat-4852	118	4	.	.	NOUN
easat-4852	118	5	2	2	NUM
easat-4852	118	6	:	:	PUNCT
easat-4852	118	7	1648	1648	NUM
easat-4852	118	8	-	-	SYM
easat-4852	118	9	1658	1658	NUM
easat-4852	118	10	,	,	PUNCT
easat-4852	118	11	2025	2025	NUM
easat-4852	118	12	doi	doi	NOUN
easat-4852	118	13	:	:	PUNCT
easat-4852	118	14	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	118	15	©	©	PROPN
easat-4852	118	16	2025	2025	NUM
easat-4852	118	17	by	by	ADP
easat-4852	118	18	the	the	DET
easat-4852	118	19	authors	author	NOUN
easat-4852	118	20	;	;	PUNCT
easat-4852	119	1	licensee	licensee	NOUN
easat-4852	119	2	learning	learn	VERB
easat-4852	119	3	gate	gate	VERB
easat-4852	119	4	multicollinearity	multicollinearity	NOUN
easat-4852	119	5	[	[	X
easat-4852	119	6	21	21	NUM
easat-4852	119	7	]	]	PUNCT
easat-4852	119	8	.	.	PUNCT
easat-4852	120	1	in	in	ADP
easat-4852	120	2	the	the	DET
easat-4852	120	3	next	next	ADJ
easat-4852	120	4	step	step	NOUN
easat-4852	120	5	,	,	PUNCT
easat-4852	120	6	the	the	DET
easat-4852	120	7	authors	author	NOUN
easat-4852	120	8	conduct	conduct	VERB
easat-4852	120	9	an	an	DET
easat-4852	120	10	f	f	NOUN
easat-4852	120	11	-	-	PUNCT
easat-4852	120	12	test	test	NOUN
easat-4852	120	13	to	to	PART
easat-4852	120	14	determine	determine	VERB
easat-4852	120	15	the	the	DET
easat-4852	120	16	appropriate	appropriate	ADJ
easat-4852	120	17	model	model	NOUN
easat-4852	120	18	selection	selection	NOUN
easat-4852	120	19	between	between	ADP
easat-4852	120	20	pooled	pool	VERB
easat-4852	120	21	ols	ol	NOUN
easat-4852	120	22	and	and	CCONJ
easat-4852	120	23	fem	fem	PROPN
easat-4852	120	24	,	,	PUNCT
easat-4852	120	25	with	with	ADP
easat-4852	120	26	the	the	DET
easat-4852	120	27	following	follow	VERB
easat-4852	120	28	hypotheses	hypothesis	NOUN
easat-4852	120	29	:	:	PUNCT
easat-4852	120	30	null	null	ADJ
easat-4852	120	31	hypothesis	hypothesis	NOUN
easat-4852	120	32	(	(	PUNCT
easat-4852	120	33	h₀	h₀	NOUN
easat-4852	120	34	):	):	PUNCT
easat-4852	120	35	the	the	DET
easat-4852	120	36	pooled	pool	VERB
easat-4852	120	37	ols	ol	NOUN
easat-4852	120	38	model	model	NOUN
easat-4852	120	39	is	be	AUX
easat-4852	120	40	more	more	ADV
easat-4852	120	41	appropriate	appropriate	ADJ
easat-4852	120	42	.	.	PUNCT
easat-4852	121	1	alternative	alternative	ADJ
easat-4852	121	2	hypothesis	hypothesis	NOUN
easat-4852	121	3	(	(	PUNCT
easat-4852	121	4	h₁	h₁	NOUN
easat-4852	121	5	):	):	PUNCT
easat-4852	121	6	the	the	DET
easat-4852	121	7	fem	fem	NOUN
easat-4852	121	8	model	model	NOUN
easat-4852	121	9	is	be	AUX
easat-4852	121	10	more	more	ADV
easat-4852	121	11	appropriate	appropriate	ADJ
easat-4852	121	12	.	.	PUNCT
easat-4852	122	1	the	the	DET
easat-4852	122	2	test	test	NOUN
easat-4852	122	3	results	result	VERB
easat-4852	122	4	for	for	ADP
easat-4852	122	5	the	the	DET
easat-4852	122	6	models	model	NOUN
easat-4852	122	7	of	of	ADP
easat-4852	122	8	the	the	DET
easat-4852	122	9	dependent	dependent	ADJ
easat-4852	122	10	variables	variable	NOUN
easat-4852	122	11	are	be	AUX
easat-4852	122	12	presented	present	VERB
easat-4852	122	13	in	in	ADP
easat-4852	122	14	the	the	DET
easat-4852	122	15	table	table	NOUN
easat-4852	122	16	5	5	NUM
easat-4852	122	17	below	below	ADV
easat-4852	122	18	.	.	PUNCT
easat-4852	123	1	table	table	NOUN
easat-4852	123	2	5	5	NUM
easat-4852	123	3	.	.	PUNCT
easat-4852	123	4	model	model	NOUN
easat-4852	123	5	selection	selection	NOUN
easat-4852	123	6	test	test	NOUN
easat-4852	123	7	results	result	NOUN
easat-4852	123	8	between	between	ADP
easat-4852	123	9	pooled	pool	VERB
easat-4852	123	10	ols	ol	NOUN
easat-4852	123	11	and	and	CCONJ
easat-4852	123	12	rem	rem	PROPN
easat-4852	123	13	.	.	PROPN
easat-4852	123	14	roa	roa	PROPN
easat-4852	123	15	prob	prob	PROPN
easat-4852	123	16	>	>	X
easat-4852	123	17	f	f	PROPN
easat-4852	124	1	=	=	SYM
easat-4852	124	2	0.0000	0.0000	NUM
easat-4852	124	3	nim	nim	NOUN
easat-4852	124	4	prob	prob	PROPN
easat-4852	124	5	>	>	X
easat-4852	124	6	f	f	PROPN
easat-4852	125	1	=	=	SYM
easat-4852	125	2	0.0000	0.0000	NUM
easat-4852	125	3	based	base	VERB
easat-4852	125	4	on	on	ADP
easat-4852	125	5	the	the	DET
easat-4852	125	6	results	result	NOUN
easat-4852	125	7	of	of	ADP
easat-4852	125	8	the	the	DET
easat-4852	125	9	f	f	NOUN
easat-4852	125	10	-	-	PUNCT
easat-4852	125	11	test	test	NOUN
easat-4852	125	12	in	in	ADP
easat-4852	125	13	the	the	DET
easat-4852	125	14	table	table	NOUN
easat-4852	125	15	5	5	NUM
easat-4852	125	16	,	,	PUNCT
easat-4852	125	17	for	for	ADP
easat-4852	125	18	both	both	CCONJ
easat-4852	125	19	dependent	dependent	ADJ
easat-4852	125	20	variables	variable	NOUN
easat-4852	125	21	,	,	PUNCT
easat-4852	125	22	the	the	DET
easat-4852	125	23	probability	probability	NOUN
easat-4852	125	24	value	value	NOUN
easat-4852	125	25	(	(	PUNCT
easat-4852	125	26	prob	prob	NOUN
easat-4852	125	27	)	)	PUNCT
easat-4852	125	28	is	be	AUX
easat-4852	125	29	0.0000	0.0000	NUM
easat-4852	125	30	<	<	X
easat-4852	125	31	0.05	0.05	NUM
easat-4852	125	32	.	.	PUNCT
easat-4852	126	1	this	this	PRON
easat-4852	126	2	indicates	indicate	VERB
easat-4852	126	3	that	that	SCONJ
easat-4852	126	4	the	the	DET
easat-4852	126	5	null	null	ADJ
easat-4852	126	6	hypothesis	hypothesis	NOUN
easat-4852	126	7	(	(	PUNCT
easat-4852	126	8	h₀	h₀	NOUN
easat-4852	126	9	)	)	PUNCT
easat-4852	126	10	is	be	AUX
easat-4852	126	11	rejected	reject	VERB
easat-4852	126	12	at	at	ADP
easat-4852	126	13	the	the	DET
easat-4852	126	14	5	5	NUM
easat-4852	126	15	%	%	NOUN
easat-4852	126	16	significance	significance	NOUN
easat-4852	126	17	level	level	NOUN
easat-4852	126	18	,	,	PUNCT
easat-4852	126	19	suggesting	suggest	VERB
easat-4852	126	20	that	that	SCONJ
easat-4852	126	21	the	the	DET
easat-4852	126	22	fem	fem	NOUN
easat-4852	126	23	model	model	NOUN
easat-4852	126	24	is	be	AUX
easat-4852	126	25	more	more	ADV
easat-4852	126	26	appropriate	appropriate	ADJ
easat-4852	126	27	than	than	ADP
easat-4852	126	28	the	the	DET
easat-4852	126	29	pooled	pool	VERB
easat-4852	126	30	ols	ol	NOUN
easat-4852	126	31	model	model	NOUN
easat-4852	126	32	.	.	PUNCT
easat-4852	127	1	additionally	additionally	ADV
easat-4852	127	2	,	,	PUNCT
easat-4852	127	3	the	the	DET
easat-4852	127	4	authors	author	NOUN
easat-4852	127	5	employ	employ	VERB
easat-4852	127	6	the	the	DET
easat-4852	127	7	hausman	hausman	NOUN
easat-4852	127	8	[	[	X
easat-4852	127	9	22	22	NUM
easat-4852	127	10	]	]	PUNCT
easat-4852	127	11	to	to	PART
easat-4852	127	12	determine	determine	VERB
easat-4852	127	13	the	the	DET
easat-4852	127	14	appropriate	appropriate	ADJ
easat-4852	127	15	model	model	NOUN
easat-4852	127	16	selection	selection	NOUN
easat-4852	127	17	between	between	ADP
easat-4852	127	18	rem	rem	PROPN
easat-4852	127	19	and	and	CCONJ
easat-4852	127	20	fem	fem	NOUN
easat-4852	127	21	for	for	ADP
easat-4852	127	22	the	the	DET
easat-4852	127	23	dataset	dataset	NOUN
easat-4852	127	24	in	in	ADP
easat-4852	127	25	this	this	DET
easat-4852	127	26	study	study	NOUN
easat-4852	127	27	,	,	PUNCT
easat-4852	127	28	with	with	ADP
easat-4852	127	29	the	the	DET
easat-4852	127	30	following	follow	VERB
easat-4852	127	31	hypotheses	hypothesis	NOUN
easat-4852	127	32	:	:	PUNCT
easat-4852	127	33	null	null	ADJ
easat-4852	127	34	hypothesis	hypothesis	NOUN
easat-4852	127	35	(	(	PUNCT
easat-4852	127	36	h₀	h₀	NOUN
easat-4852	127	37	):	):	PUNCT
easat-4852	127	38	the	the	DET
easat-4852	127	39	rem	rem	NOUN
easat-4852	127	40	model	model	NOUN
easat-4852	127	41	is	be	AUX
easat-4852	127	42	more	more	ADV
easat-4852	127	43	appropriate	appropriate	ADJ
easat-4852	127	44	.	.	PUNCT
easat-4852	128	1	alternative	alternative	ADJ
easat-4852	128	2	hypothesis	hypothesis	NOUN
easat-4852	128	3	(	(	PUNCT
easat-4852	128	4	h₁	h₁	NOUN
easat-4852	128	5	):	):	PUNCT
easat-4852	128	6	the	the	DET
easat-4852	128	7	fem	fem	NOUN
easat-4852	128	8	model	model	NOUN
easat-4852	128	9	is	be	AUX
easat-4852	128	10	more	more	ADV
easat-4852	128	11	appropriate	appropriate	ADJ
easat-4852	128	12	.	.	PUNCT
easat-4852	129	1	table	table	NOUN
easat-4852	129	2	6	6	NUM
easat-4852	129	3	.	.	PUNCT
easat-4852	129	4	model	model	NOUN
easat-4852	129	5	selection	selection	NOUN
easat-4852	129	6	test	test	NOUN
easat-4852	129	7	results	result	NOUN
easat-4852	129	8	between	between	ADP
easat-4852	129	9	fem	fem	NOUN
easat-4852	129	10	and	and	CCONJ
easat-4852	129	11	rem	rem	PROPN
easat-4852	129	12	.	.	PROPN
easat-4852	129	13	variable	variable	ADJ
easat-4852	129	14	chi	chi	ADJ
easat-4852	129	15	-	-	PUNCT
easat-4852	129	16	square	square	ADJ
easat-4852	129	17	value	value	NOUN
easat-4852	129	18	pvalue	pvalue	NOUN
easat-4852	129	19	roa	roa	NOUN
easat-4852	129	20	14.59	14.59	NUM
easat-4852	129	21	0.1475	0.1475	NUM
easat-4852	129	22	nim	nim	PROPN
easat-4852	129	23	10.61	10.61	NUM
easat-4852	129	24	0.3885	0.3885	NUM
easat-4852	129	25	according	accord	VERB
easat-4852	129	26	to	to	ADP
easat-4852	129	27	hausman	hausman	NOUN
easat-4852	129	28	[	[	X
easat-4852	129	29	22	22	NUM
easat-4852	129	30	]	]	PUNCT
easat-4852	129	31	if	if	SCONJ
easat-4852	129	32	the	the	DET
easat-4852	129	33	p	p	NOUN
easat-4852	129	34	-	-	PUNCT
easat-4852	129	35	value	value	NOUN
easat-4852	129	36	is	be	AUX
easat-4852	129	37	greater	great	ADJ
easat-4852	129	38	than	than	ADP
easat-4852	129	39	0.05	0.05	NUM
easat-4852	129	40	,	,	PUNCT
easat-4852	129	41	the	the	DET
easat-4852	129	42	null	null	ADJ
easat-4852	129	43	hypothesis	hypothesis	NOUN
easat-4852	129	44	(	(	PUNCT
easat-4852	129	45	h₀	h₀	NOUN
easat-4852	129	46	)	)	PUNCT
easat-4852	129	47	is	be	AUX
easat-4852	129	48	accepted	accept	VERB
easat-4852	129	49	,	,	PUNCT
easat-4852	129	50	and	and	CCONJ
easat-4852	129	51	the	the	DET
easat-4852	129	52	alternative	alternative	ADJ
easat-4852	129	53	hypothesis	hypothesis	NOUN
easat-4852	129	54	(	(	PUNCT
easat-4852	129	55	h₁	h₁	NOUN
easat-4852	129	56	)	)	PUNCT
easat-4852	129	57	is	be	AUX
easat-4852	129	58	rejected	reject	VERB
easat-4852	129	59	.	.	PUNCT
easat-4852	130	1	based	base	VERB
easat-4852	130	2	on	on	ADP
easat-4852	130	3	the	the	DET
easat-4852	130	4	hausman	hausman	PROPN
easat-4852	130	5	test	test	NOUN
easat-4852	130	6	results	result	NOUN
easat-4852	130	7	in	in	ADP
easat-4852	130	8	the	the	DET
easat-4852	130	9	table	table	NOUN
easat-4852	130	10	6	6	NUM
easat-4852	130	11	,	,	PUNCT
easat-4852	130	12	the	the	DET
easat-4852	130	13	appropriate	appropriate	ADJ
easat-4852	130	14	model	model	NOUN
easat-4852	130	15	for	for	ADP
easat-4852	130	16	both	both	CCONJ
easat-4852	130	17	dependent	dependent	ADJ
easat-4852	130	18	variables	variable	NOUN
easat-4852	130	19	,	,	PUNCT
easat-4852	130	20	roa	roa	PROPN
easat-4852	130	21	and	and	CCONJ
easat-4852	130	22	nim	nim	PROPN
easat-4852	130	23	,	,	PUNCT
easat-4852	130	24	is	be	AUX
easat-4852	130	25	the	the	DET
easat-4852	130	26	rem	rem	NOUN
easat-4852	130	27	model	model	NOUN
easat-4852	130	28	.	.	PUNCT
easat-4852	131	1	the	the	DET
easat-4852	131	2	presence	presence	NOUN
easat-4852	131	3	of	of	ADP
easat-4852	131	4	heteroscedasticity	heteroscedasticity	NOUN
easat-4852	131	5	can	can	AUX
easat-4852	131	6	distort	distort	VERB
easat-4852	131	7	regression	regression	NOUN
easat-4852	131	8	results	result	NOUN
easat-4852	131	9	and	and	CCONJ
easat-4852	131	10	related	relate	VERB
easat-4852	131	11	statistical	statistical	ADJ
easat-4852	131	12	inferences	inference	NOUN
easat-4852	131	13	.	.	PUNCT
easat-4852	132	1	to	to	PART
easat-4852	132	2	examine	examine	VERB
easat-4852	132	3	this	this	DET
easat-4852	132	4	issue	issue	NOUN
easat-4852	132	5	,	,	PUNCT
easat-4852	132	6	the	the	DET
easat-4852	132	7	authors	author	NOUN
easat-4852	132	8	applied	apply	VERB
easat-4852	132	9	the	the	DET
easat-4852	132	10	white	white	ADJ
easat-4852	132	11	test	test	NOUN
easat-4852	132	12	to	to	ADP
easat-4852	132	13	the	the	DET
easat-4852	132	14	selected	select	VERB
easat-4852	132	15	rem	rem	PUNCT
easat-4852	132	16	model	model	NOUN
easat-4852	132	17	,	,	PUNCT
easat-4852	132	18	with	with	ADP
easat-4852	132	19	the	the	DET
easat-4852	132	20	following	follow	VERB
easat-4852	132	21	hypotheses	hypothesis	NOUN
easat-4852	132	22	:	:	PUNCT
easat-4852	132	23	null	null	ADJ
easat-4852	132	24	hypothesis	hypothesis	NOUN
easat-4852	132	25	(	(	PUNCT
easat-4852	132	26	h₀	h₀	NOUN
easat-4852	132	27	):	):	PUNCT
easat-4852	132	28	the	the	DET
easat-4852	132	29	model	model	NOUN
easat-4852	132	30	does	do	AUX
easat-4852	132	31	not	not	PART
easat-4852	132	32	exhibit	exhibit	VERB
easat-4852	132	33	heteroscedasticity	heteroscedasticity	NOUN
easat-4852	132	34	.	.	PUNCT
easat-4852	133	1	alternative	alternative	ADJ
easat-4852	133	2	hypothesis	hypothesis	NOUN
easat-4852	133	3	(	(	PUNCT
easat-4852	133	4	h₁	h₁	NOUN
easat-4852	133	5	):	):	PUNCT
easat-4852	133	6	the	the	DET
easat-4852	133	7	model	model	NOUN
easat-4852	133	8	exhibits	exhibit	VERB
easat-4852	133	9	heteroscedasticity	heteroscedasticity	NOUN
easat-4852	133	10	.	.	PUNCT
easat-4852	134	1	table	table	NOUN
easat-4852	134	2	7	7	NUM
easat-4852	134	3	.	.	PUNCT
easat-4852	135	1	heteroscedasticity	heteroscedasticity	NOUN
easat-4852	135	2	test	test	NOUN
easat-4852	135	3	results	result	NOUN
easat-4852	135	4	.	.	PUNCT
easat-4852	136	1	variable	variable	ADJ
easat-4852	136	2	chi	chi	ADJ
easat-4852	136	3	-	-	PUNCT
easat-4852	136	4	square	square	ADJ
easat-4852	136	5	value	value	NOUN
easat-4852	136	6	pvalue	pvalue	NOUN
easat-4852	136	7	roa	roa	NOUN
easat-4852	136	8	171.16	171.16	NUM
easat-4852	136	9	0.0000	0.0000	NUM
easat-4852	136	10	nim	nim	PROPN
easat-4852	136	11	495.45	495.45	NUM
easat-4852	136	12	0.0000	0.0000	NUM
easat-4852	136	13	from	from	ADP
easat-4852	136	14	the	the	DET
easat-4852	136	15	empirical	empirical	ADJ
easat-4852	136	16	results	result	NOUN
easat-4852	136	17	in	in	ADP
easat-4852	136	18	the	the	DET
easat-4852	136	19	table	table	NOUN
easat-4852	136	20	7	7	NUM
easat-4852	136	21	,	,	PUNCT
easat-4852	136	22	both	both	DET
easat-4852	136	23	regression	regression	NOUN
easat-4852	136	24	models	model	NOUN
easat-4852	136	25	have	have	VERB
easat-4852	136	26	a	a	DET
easat-4852	136	27	p	p	NOUN
easat-4852	136	28	-	-	PUNCT
easat-4852	136	29	value	value	NOUN
easat-4852	136	30	of	of	ADP
easat-4852	136	31	0.0000	0.0000	NUM
easat-4852	136	32	<	<	X
easat-4852	136	33	0.05	0.05	NUM
easat-4852	136	34	,	,	PUNCT
easat-4852	136	35	leading	lead	VERB
easat-4852	136	36	to	to	ADP
easat-4852	136	37	the	the	DET
easat-4852	136	38	rejection	rejection	NOUN
easat-4852	136	39	of	of	ADP
easat-4852	136	40	the	the	DET
easat-4852	136	41	null	null	ADJ
easat-4852	136	42	hypothesis	hypothesis	NOUN
easat-4852	136	43	(	(	PUNCT
easat-4852	136	44	h₀	h₀	PROPN
easat-4852	136	45	)	)	PUNCT
easat-4852	136	46	.	.	PUNCT
easat-4852	137	1	this	this	PRON
easat-4852	137	2	indicates	indicate	VERB
easat-4852	137	3	that	that	SCONJ
easat-4852	137	4	the	the	DET
easat-4852	137	5	model	model	NOUN
easat-4852	137	6	exhibits	exhibit	VERB
easat-4852	137	7	heteroscedasticity	heteroscedasticity	NOUN
easat-4852	137	8	.	.	PUNCT
easat-4852	138	1	next	next	ADV
easat-4852	138	2	,	,	PUNCT
easat-4852	138	3	to	to	PART
easat-4852	138	4	check	check	VERB
easat-4852	138	5	the	the	DET
easat-4852	138	6	autocorrelation	autocorrelation	NOUN
easat-4852	138	7	among	among	ADP
easat-4852	138	8	variables	variable	NOUN
easat-4852	138	9	in	in	ADP
easat-4852	138	10	the	the	DET
easat-4852	138	11	rem	rem	NOUN
easat-4852	138	12	model	model	NOUN
easat-4852	138	13	,	,	PUNCT
easat-4852	138	14	which	which	PRON
easat-4852	138	15	may	may	AUX
easat-4852	138	16	lead	lead	VERB
easat-4852	138	17	to	to	ADP
easat-4852	138	18	errors	error	NOUN
easat-4852	138	19	related	relate	VERB
easat-4852	138	20	to	to	ADP
easat-4852	138	21	the	the	DET
easat-4852	138	22	variance	variance	NOUN
easat-4852	138	23	of	of	ADP
easat-4852	138	24	the	the	DET
easat-4852	138	25	estimated	estimate	VERB
easat-4852	138	26	coefficients	coefficient	NOUN
easat-4852	138	27	and	and	CCONJ
easat-4852	138	28	reduces	reduce	VERB
easat-4852	138	29	the	the	DET
easat-4852	138	30	accuracy	accuracy	NOUN
easat-4852	138	31	of	of	ADP
easat-4852	138	32	the	the	DET
easat-4852	138	33	model	model	NOUN
easat-4852	138	34	,	,	PUNCT
easat-4852	138	35	the	the	DET
easat-4852	138	36	authors	author	NOUN
easat-4852	138	37	applied	apply	VERB
easat-4852	138	38	[	[	PUNCT
easat-4852	138	39	23	23	NUM
easat-4852	138	40	]	]	PUNCT
easat-4852	138	41	with	with	ADP
easat-4852	138	42	the	the	DET
easat-4852	138	43	following	follow	VERB
easat-4852	138	44	hypotheses	hypothesis	NOUN
easat-4852	138	45	:	:	PUNCT
easat-4852	138	46	null	null	ADJ
easat-4852	138	47	hypothesis	hypothesis	NOUN
easat-4852	138	48	(	(	PUNCT
easat-4852	138	49	h₀	h₀	NOUN
easat-4852	138	50	):	):	PUNCT
easat-4852	138	51	the	the	DET
easat-4852	138	52	model	model	NOUN
easat-4852	138	53	does	do	AUX
easat-4852	138	54	not	not	PART
easat-4852	138	55	exhibit	exhibit	VERB
easat-4852	138	56	autocorrelation	autocorrelation	NOUN
easat-4852	138	57	.	.	PUNCT
easat-4852	139	1	alternative	alternative	ADJ
easat-4852	139	2	hypothesis	hypothesis	NOUN
easat-4852	139	3	(	(	PUNCT
easat-4852	139	4	h₁	h₁	NOUN
easat-4852	139	5	):	):	PUNCT
easat-4852	139	6	the	the	DET
easat-4852	139	7	model	model	NOUN
easat-4852	139	8	exhibits	exhibit	VERB
easat-4852	139	9	autocorrelation	autocorrelation	NOUN
easat-4852	139	10	.	.	PUNCT
easat-4852	140	1	1654	1654	NUM
easat-4852	140	2	edelweiss	edelweiss	PROPN
easat-4852	140	3	applied	apply	VERB
easat-4852	140	4	science	science	NOUN
easat-4852	140	5	and	and	CCONJ
easat-4852	140	6	technology	technology	NOUN
easat-4852	140	7	issn	issn	PROPN
easat-4852	140	8	:	:	PUNCT
easat-4852	140	9	2576	2576	NUM
easat-4852	140	10	-	-	SYM
easat-4852	140	11	8484	8484	NUM
easat-4852	140	12	vol	vol	NOUN
easat-4852	140	13	.	.	PROPN
easat-4852	141	1	9	9	NUM
easat-4852	141	2	,	,	PUNCT
easat-4852	141	3	no	no	INTJ
easat-4852	141	4	.	.	NOUN
easat-4852	141	5	2	2	NUM
easat-4852	141	6	:	:	PUNCT
easat-4852	141	7	1648	1648	NUM
easat-4852	141	8	-	-	SYM
easat-4852	141	9	1658	1658	NUM
easat-4852	141	10	,	,	PUNCT
easat-4852	141	11	2025	2025	NUM
easat-4852	141	12	doi	doi	NOUN
easat-4852	141	13	:	:	PUNCT
easat-4852	141	14	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	141	15	©	©	PROPN
easat-4852	141	16	2025	2025	NUM
easat-4852	141	17	by	by	ADP
easat-4852	141	18	the	the	DET
easat-4852	141	19	authors	author	NOUN
easat-4852	141	20	;	;	PUNCT
easat-4852	141	21	licensee	licensee	PROPN
easat-4852	141	22	learning	learn	VERB
easat-4852	141	23	gate	gate	NOUN
easat-4852	141	24	table	table	NOUN
easat-4852	141	25	8	8	NUM
easat-4852	141	26	.	.	PUNCT
easat-4852	141	27	autocorrelation	autocorrelation	NOUN
easat-4852	141	28	test	test	NOUN
easat-4852	141	29	results	result	NOUN
easat-4852	141	30	.	.	PUNCT
easat-4852	142	1	variable	variable	ADJ
easat-4852	142	2	f	f	PROPN
easat-4852	142	3	–	–	PUNCT
easat-4852	142	4	test	test	NOUN
easat-4852	142	5	value	value	NOUN
easat-4852	142	6	pvalue	pvalue	NOUN
easat-4852	142	7	roa	roa	PROPN
easat-4852	142	8	16.582	16.582	NUM
easat-4852	142	9	0.0005	0.0005	NUM
easat-4852	142	10	nim	nim	PROPN
easat-4852	142	11	13.719	13.719	NUM
easat-4852	142	12	0.0013	0.0013	NUM
easat-4852	142	13	from	from	ADP
easat-4852	142	14	the	the	DET
easat-4852	142	15	test	test	NOUN
easat-4852	142	16	results	result	NOUN
easat-4852	142	17	in	in	ADP
easat-4852	142	18	the	the	DET
easat-4852	142	19	table	table	NOUN
easat-4852	142	20	8	8	NUM
easat-4852	142	21	it	it	PRON
easat-4852	142	22	can	can	AUX
easat-4852	142	23	be	be	AUX
easat-4852	142	24	seen	see	VERB
easat-4852	142	25	that	that	SCONJ
easat-4852	142	26	the	the	DET
easat-4852	142	27	p	p	NOUN
easat-4852	142	28	-	-	PUNCT
easat-4852	142	29	values	value	NOUN
easat-4852	142	30	for	for	ADP
easat-4852	142	31	both	both	DET
easat-4852	142	32	models	model	NOUN
easat-4852	142	33	are	be	AUX
easat-4852	142	34	below	below	ADP
easat-4852	142	35	0.05	0.05	NUM
easat-4852	142	36	.	.	PUNCT
easat-4852	143	1	based	base	VERB
easat-4852	143	2	on	on	ADP
easat-4852	143	3	the	the	DET
easat-4852	143	4	wooldridge	wooldridge	PROPN
easat-4852	143	5	[	[	X
easat-4852	143	6	23	23	NUM
easat-4852	143	7	]	]	PUNCT
easat-4852	143	8	the	the	DET
easat-4852	143	9	null	null	ADJ
easat-4852	143	10	hypothesis	hypothesis	NOUN
easat-4852	143	11	(	(	PUNCT
easat-4852	143	12	h₀	h₀	NOUN
easat-4852	143	13	)	)	PUNCT
easat-4852	143	14	is	be	AUX
easat-4852	143	15	rejected	reject	VERB
easat-4852	143	16	,	,	PUNCT
easat-4852	143	17	indicating	indicate	VERB
easat-4852	143	18	that	that	SCONJ
easat-4852	143	19	both	both	DET
easat-4852	143	20	models	model	NOUN
easat-4852	143	21	exhibit	exhibit	VERB
easat-4852	143	22	autocorrelation	autocorrelation	NOUN
easat-4852	143	23	.	.	PUNCT
easat-4852	144	1	to	to	PART
easat-4852	144	2	address	address	VERB
easat-4852	144	3	the	the	DET
easat-4852	144	4	model	model	NOUN
easat-4852	144	5	limitations	limitation	NOUN
easat-4852	144	6	of	of	ADP
easat-4852	144	7	heteroscedasticity	heteroscedasticity	NOUN
easat-4852	144	8	and	and	CCONJ
easat-4852	144	9	autocorrelation	autocorrelation	NOUN
easat-4852	144	10	as	as	SCONJ
easat-4852	144	11	pointed	point	VERB
easat-4852	144	12	out	out	ADP
easat-4852	144	13	,	,	PUNCT
easat-4852	144	14	the	the	DET
easat-4852	144	15	authors	author	NOUN
easat-4852	144	16	applied	apply	VERB
easat-4852	144	17	the	the	DET
easat-4852	144	18	feasible	feasible	ADJ
easat-4852	144	19	generalized	generalized	ADJ
easat-4852	144	20	least	least	ADJ
easat-4852	144	21	squares	square	NOUN
easat-4852	144	22	(	(	PUNCT
easat-4852	144	23	fgls	fgls	NOUN
easat-4852	144	24	)	)	PUNCT
easat-4852	144	25	estimation	estimation	NOUN
easat-4852	144	26	method	method	NOUN
easat-4852	144	27	proposed	propose	VERB
easat-4852	144	28	by	by	ADP
easat-4852	144	29	aitken	aitken	PROPN
easat-4852	144	30	[	[	X
easat-4852	144	31	24	24	NUM
easat-4852	144	32	]	]	PUNCT
easat-4852	144	33	to	to	PART
easat-4852	144	34	restructure	restructure	VERB
easat-4852	144	35	the	the	DET
easat-4852	144	36	rem	rem	NOUN
easat-4852	144	37	model	model	NOUN
easat-4852	144	38	for	for	ADP
easat-4852	144	39	the	the	DET
easat-4852	144	40	two	two	NUM
easat-4852	144	41	variables	variable	NOUN
easat-4852	144	42	,	,	PUNCT
easat-4852	144	43	roa	roa	PROPN
easat-4852	144	44	and	and	CCONJ
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easat-4852	207	2	2.00	2.00	NUM
easat-4852	207	3	]	]	PUNCT
easat-4852	207	4	0.0151	0.0151	NUM
easat-4852	207	5	*	*	PUNCT
easat-4852	207	6	*	*	PUNCT
easat-4852	207	7	*	*	PUNCT
easat-4852	208	1	[	[	X
easat-4852	208	2	3.17	3.17	NUM
easat-4852	208	3	]	]	SYM
easat-4852	208	4	cr4	cr4	NOUN
easat-4852	208	5	0.113	0.113	NUM
easat-4852	208	6	*	*	PUNCT
easat-4852	209	1	*	*	PUNCT
easat-4852	209	2	*	*	PUNCT
easat-4852	210	1	[	[	X
easat-4852	210	2	2.72	2.72	NUM
easat-4852	210	3	]	]	SYM
easat-4852	210	4	0.0529	0.0529	NUM
easat-4852	210	5	*	*	PUNCT
easat-4852	211	1	[	[	X
easat-4852	211	2	1.95	1.95	NUM
easat-4852	211	3	]	]	PUNCT
easat-4852	211	4	0.0556	0.0556	NUM
easat-4852	211	5	*	*	SYM
easat-4852	211	6	*	*	PUNCT
easat-4852	212	1	[	[	X
easat-4852	212	2	2.12	2.12	NUM
easat-4852	212	3	]	]	PUNCT
easat-4852	212	4	0.0139	0.0139	NUM
easat-4852	212	5	[	[	NOUN
easat-4852	212	6	0.61	0.61	NUM
easat-4852	212	7	]	]	PUNCT
easat-4852	212	8	gdp	gdp	NOUN
easat-4852	212	9	0.00106	0.00106	NUM
easat-4852	212	10	[	[	X
easat-4852	212	11	0.02	0.02	NUM
easat-4852	212	12	]	]	PUNCT
easat-4852	212	13	0.0207	0.0207	NUM
easat-4852	213	1	[	[	X
easat-4852	213	2	0.76	0.76	NUM
easat-4852	213	3	]	]	PUNCT
easat-4852	213	4	0.0203	0.0203	NUM
easat-4852	214	1	[	[	X
easat-4852	214	2	0.74	0.74	NUM
easat-4852	214	3	]	]	X
easat-4852	214	4	0.0439	0.0439	NUM
easat-4852	214	5	*	*	PUNCT
easat-4852	214	6	*	*	PUNCT
easat-4852	214	7	*	*	PUNCT
easat-4852	215	1	[	[	X
easat-4852	215	2	2.87	2.87	NUM
easat-4852	215	3	]	]	PUNCT
easat-4852	215	4	inf	inf	NOUN
easat-4852	216	1	0.00153	0.00153	NUM
easat-4852	216	2	[	[	X
easat-4852	216	3	0.03	0.03	NUM
easat-4852	216	4	]	]	PUNCT
easat-4852	216	5	0.0403	0.0403	NUM
easat-4852	217	1	[	[	X
easat-4852	217	2	1.35	1.35	NUM
easat-4852	217	3	]	]	PUNCT
easat-4852	217	4	0.0364	0.0364	NUM
easat-4852	218	1	[	[	X
easat-4852	218	2	1.23	1.23	NUM
easat-4852	218	3	]	]	PUNCT
easat-4852	218	4	0.0104	0.0104	NUM
easat-4852	218	5	[	[	X
easat-4852	218	6	0.60	0.60	NUM
easat-4852	218	7	]	]	PUNCT
easat-4852	218	8	ear	ear	VERB
easat-4852	218	9	0.129	0.129	NUM
easat-4852	218	10	*	*	PUNCT
easat-4852	218	11	*	*	PUNCT
easat-4852	218	12	*	*	PUNCT
easat-4852	219	1	[	[	X
easat-4852	219	2	4.80	4.80	NUM
easat-4852	219	3	]	]	PUNCT
easat-4852	219	4	0.0589	0.0589	NUM
easat-4852	219	5	*	*	PUNCT
easat-4852	219	6	*	*	PUNCT
easat-4852	219	7	*	*	PUNCT
easat-4852	220	1	[	[	X
easat-4852	220	2	2.69	2.69	NUM
easat-4852	220	3	]	]	X
easat-4852	220	4	0.0646	0.0646	NUM
easat-4852	220	5	*	*	PUNCT
easat-4852	220	6	*	*	PUNCT
easat-4852	220	7	*	*	PUNCT
easat-4852	221	1	[	[	X
easat-4852	221	2	3.03	3.03	NUM
easat-4852	221	3	]	]	PUNCT
easat-4852	221	4	0.0706	0.0706	NUM
easat-4852	221	5	*	*	PUNCT
easat-4852	221	6	*	*	PUNCT
easat-4852	221	7	*	*	PUNCT
easat-4852	222	1	[	[	X
easat-4852	222	2	3.36	3.36	NUM
easat-4852	222	3	]	]	X
easat-4852	222	4	lta	lta	NOUN
easat-4852	222	5	-0.00981	-0.00981	PUNCT
easat-4852	223	1	[	[	X
easat-4852	223	2	-1.29	-1.29	X
easat-4852	223	3	]	]	X
easat-4852	223	4	0.00270	0.00270	NUM
easat-4852	224	1	[	[	X
easat-4852	224	2	0.56	0.56	NUM
easat-4852	224	3	]	]	PUNCT
easat-4852	224	4	0.00156	0.00156	NUM
easat-4852	225	1	[	[	X
easat-4852	225	2	0.33	0.33	NUM
easat-4852	225	3	]	]	X
easat-4852	225	4	-0.00376	-0.00376	NOUN
easat-4852	226	1	[	[	X
easat-4852	226	2	-0.81	-0.81	X
easat-4852	226	3	]	]	X
easat-4852	226	4	logasset	logasset	NOUN
easat-4852	226	5	-0.000314	-0.000314	NOUN
easat-4852	227	1	[	[	X
easat-4852	227	2	-0.34	-0.34	X
easat-4852	227	3	]	]	X
easat-4852	227	4	0.000981	0.000981	NUM
easat-4852	228	1	[	[	X
easat-4852	228	2	0.77	0.77	NUM
easat-4852	228	3	]	]	PUNCT
easat-4852	228	4	0.000811	0.000811	NUM
easat-4852	229	1	[	[	X
easat-4852	229	2	0.70	0.70	NUM
easat-4852	229	3	]	]	PUNCT
easat-4852	229	4	-0.000112	-0.000112	NOUN
easat-4852	230	1	[	[	X
easat-4852	230	2	-0.15	-0.15	X
easat-4852	230	3	]	]	X
easat-4852	230	4	covid	covid	NOUN
easat-4852	230	5	0.00157	0.00157	NUM
easat-4852	231	1	[	[	X
easat-4852	231	2	0.82	0.82	NUM
easat-4852	231	3	]	]	PUNCT
easat-4852	231	4	0.00120	0.00120	NUM
easat-4852	231	5	[	[	X
easat-4852	231	6	1.11	1.11	NUM
easat-4852	231	7	]	]	PUNCT
easat-4852	231	8	0.00125	0.00125	NUM
easat-4852	231	9	[	[	X
easat-4852	231	10	1.17	1.17	NUM
easat-4852	231	11	]	]	PUNCT
easat-4852	231	12	0.00186	0.00186	NUM
easat-4852	231	13	*	*	PUNCT
easat-4852	231	14	*	*	PUNCT
easat-4852	231	15	*	*	PUNCT
easat-4852	232	1	[	[	X
easat-4852	232	2	3.21	3.21	NUM
easat-4852	232	3	]	]	PUNCT
easat-4852	232	4	_	_	PUNCT
easat-4852	232	5	cons	con	NOUN
easat-4852	232	6	-0.0147	-0.0147	VERB
easat-4852	233	1	[	[	X
easat-4852	233	2	-0.35	-0.35	X
easat-4852	233	3	]	]	X
easat-4852	233	4	-0.0303	-0.0303	NOUN
easat-4852	234	1	[	[	X
easat-4852	234	2	-0.59	-0.59	X
easat-4852	234	3	]	]	X
easat-4852	234	4	-0.0252	-0.0252	NOUN
easat-4852	235	1	[	[	X
easat-4852	235	2	-0.54	-0.54	X
easat-4852	235	3	]	]	X
easat-4852	235	4	0.0222	0.0222	NUM
easat-4852	235	5	[	[	X
easat-4852	235	6	0.72	0.72	NUM
easat-4852	235	7	]	]	SYM
easat-4852	235	8	n	n	CCONJ
easat-4852	235	9	r	r	NOUN
easat-4852	235	10	-	-	PUNCT
easat-4852	235	11	sq	sq	INTJ
easat-4852	235	12	242	242	NUM
easat-4852	235	13	0.435	0.435	NUM
easat-4852	235	14	242	242	NUM
easat-4852	235	15	0.506	0.506	NUM
easat-4852	235	16	242	242	NUM
easat-4852	235	17	242	242	NUM
easat-4852	235	18	note	note	NOUN
easat-4852	235	19	:	:	PUNCT
easat-4852	235	20	*	*	PUNCT
easat-4852	235	21	corresponds	correspond	VERB
easat-4852	235	22	to	to	ADP
easat-4852	235	23	a	a	DET
easat-4852	235	24	10	10	NUM
easat-4852	235	25	%	%	NOUN
easat-4852	235	26	significance	significance	NOUN
easat-4852	235	27	level	level	NOUN
easat-4852	235	28	*	*	PUNCT
easat-4852	235	29	*	*	NOUN
easat-4852	235	30	corresponds	correspond	VERB
easat-4852	235	31	to	to	ADP
easat-4852	235	32	a	a	DET
easat-4852	235	33	5	5	NUM
easat-4852	235	34	%	%	NOUN
easat-4852	235	35	significance	significance	NOUN
easat-4852	235	36	level	level	NOUN
easat-4852	235	37	*	*	PUNCT
easat-4852	235	38	*	*	PUNCT
easat-4852	235	39	*	*	VERB
easat-4852	235	40	corresponds	correspond	VERB
easat-4852	235	41	to	to	ADP
easat-4852	235	42	a	a	DET
easat-4852	235	43	1	1	NUM
easat-4852	235	44	%	%	NOUN
easat-4852	235	45	significance	significance	NOUN
easat-4852	235	46	level	level	NOUN
easat-4852	235	47	.	.	PUNCT
easat-4852	236	1	the	the	DET
easat-4852	236	2	regression	regression	NOUN
easat-4852	236	3	results	result	VERB
easat-4852	236	4	in	in	ADP
easat-4852	236	5	the	the	DET
easat-4852	236	6	table	table	NOUN
easat-4852	236	7	9	9	NUM
easat-4852	236	8	indicate	indicate	VERB
easat-4852	236	9	that	that	DET
easat-4852	236	10	roa	roa	PROPN
easat-4852	236	11	is	be	AUX
easat-4852	236	12	influenced	influence	VERB
easat-4852	236	13	by	by	ADP
easat-4852	236	14	10	10	NUM
easat-4852	236	15	factors	factor	NOUN
easat-4852	236	16	,	,	PUNCT
easat-4852	236	17	among	among	ADP
easat-4852	236	18	which	which	PRON
easat-4852	236	19	3	3	NUM
easat-4852	236	20	have	have	VERB
easat-4852	236	21	a	a	DET
easat-4852	236	22	negative	negative	ADJ
easat-4852	236	23	impact	impact	NOUN
easat-4852	236	24	(	(	PUNCT
easat-4852	236	25	npl	npl	NOUN
easat-4852	236	26	,	,	PUNCT
easat-4852	236	27	cir	cir	NOUN
easat-4852	236	28	,	,	PUNCT
easat-4852	236	29	cr4	cr4	PROPN
easat-4852	236	30	)	)	PUNCT
easat-4852	236	31	,	,	PUNCT
easat-4852	236	32	3	3	NUM
easat-4852	236	33	factors	factor	NOUN
easat-4852	236	34	have	have	VERB
easat-4852	236	35	a	a	DET
easat-4852	236	36	positive	positive	ADJ
easat-4852	236	37	impact	impact	NOUN
easat-4852	236	38	(	(	PUNCT
easat-4852	236	39	gdp	gdp	NOUN
easat-4852	236	40	,	,	PUNCT
easat-4852	236	41	ear	ear	NOUN
easat-4852	236	42	,	,	PUNCT
easat-4852	236	43	logasset	logasset	PROPN
easat-4852	236	44	)	)	PUNCT
easat-4852	236	45	,	,	PUNCT
easat-4852	236	46	while	while	SCONJ
easat-4852	236	47	the	the	DET
easat-4852	236	48	remaining	remain	VERB
easat-4852	236	49	4	4	NUM
easat-4852	236	50	factors	factor	NOUN
easat-4852	236	51	do	do	AUX
easat-4852	236	52	not	not	PART
easat-4852	236	53	significantly	significantly	ADV
easat-4852	236	54	affect	affect	VERB
easat-4852	236	55	roa	roa	PROPN
easat-4852	236	56	.	.	PUNCT
easat-4852	237	1	similarly	similarly	ADV
easat-4852	237	2	,	,	PUNCT
easat-4852	237	3	the	the	DET
easat-4852	237	4	research	research	NOUN
easat-4852	237	5	model	model	NOUN
easat-4852	237	6	in	in	ADP
easat-4852	237	7	the	the	DET
easat-4852	237	8	table	table	NOUN
easat-4852	237	9	10	10	NUM
easat-4852	237	10	shows	show	VERB
easat-4852	237	11	that	that	SCONJ
easat-4852	237	12	nim	nim	PROPN
easat-4852	237	13	is	be	AUX
easat-4852	237	14	influenced	influence	VERB
easat-4852	237	15	by	by	ADP
easat-4852	237	16	10	10	NUM
easat-4852	237	17	factors	factor	NOUN
easat-4852	237	18	,	,	PUNCT
easat-4852	237	19	with	with	ADP
easat-4852	237	20	5	5	NUM
easat-4852	237	21	exhibiting	exhibit	VERB
easat-4852	237	22	a	a	DET
easat-4852	237	23	significant	significant	ADJ
easat-4852	237	24	impact	impact	NOUN
easat-4852	237	25	.	.	PUNCT
easat-4852	238	1	most	most	ADJ
easat-4852	238	2	of	of	ADP
easat-4852	238	3	these	these	DET
easat-4852	238	4	factors	factor	NOUN
easat-4852	238	5	,	,	PUNCT
easat-4852	238	6	including	include	VERB
easat-4852	238	7	ldr	ldr	PROPN
easat-4852	238	8	,	,	PUNCT
easat-4852	238	9	gdp	gdp	NOUN
easat-4852	238	10	,	,	PUNCT
easat-4852	238	11	ear	ear	NOUN
easat-4852	238	12	,	,	PUNCT
easat-4852	238	13	and	and	CCONJ
easat-4852	238	14	covid	covid	PROPN
easat-4852	238	15	,	,	PUNCT
easat-4852	238	16	have	have	VERB
easat-4852	238	17	a	a	DET
easat-4852	238	18	positive	positive	ADJ
easat-4852	238	19	effect	effect	NOUN
easat-4852	238	20	on	on	ADP
easat-4852	238	21	nim	nim	PROPN
easat-4852	238	22	,	,	PUNCT
easat-4852	238	23	whereas	whereas	SCONJ
easat-4852	238	24	cir	cir	PROPN
easat-4852	238	25	has	have	VERB
easat-4852	238	26	a	a	DET
easat-4852	238	27	negative	negative	ADJ
easat-4852	238	28	impact	impact	NOUN
easat-4852	238	29	.	.	PUNCT
easat-4852	239	1	the	the	DET
easat-4852	239	2	remaining	remain	VERB
easat-4852	239	3	5	5	NUM
easat-4852	239	4	factors	factor	NOUN
easat-4852	239	5	do	do	AUX
easat-4852	239	6	not	not	PART
easat-4852	239	7	significantly	significantly	ADV
easat-4852	239	8	affect	affect	VERB
easat-4852	239	9	this	this	DET
easat-4852	239	10	profitability	profitability	NOUN
easat-4852	239	11	indicator	indicator	NOUN
easat-4852	239	12	5	5	NUM
easat-4852	239	13	.	.	PUNCT
easat-4852	239	14	result	result	NOUN
easat-4852	239	15	discussion	discussion	NOUN
easat-4852	239	16	the	the	DET
easat-4852	239	17	quantitative	quantitative	ADJ
easat-4852	239	18	results	result	NOUN
easat-4852	239	19	above	above	ADP
easat-4852	239	20	highlight	highlight	VERB
easat-4852	239	21	several	several	ADJ
easat-4852	239	22	key	key	ADJ
easat-4852	239	23	insights	insight	NOUN
easat-4852	239	24	regarding	regard	VERB
easat-4852	239	25	the	the	DET
easat-4852	239	26	operations	operation	NOUN
easat-4852	239	27	of	of	ADP
easat-4852	239	28	vietnamese	vietnamese	ADJ
easat-4852	239	29	commercial	commercial	ADJ
easat-4852	239	30	banks	bank	NOUN
easat-4852	239	31	.	.	PUNCT
easat-4852	240	1	first	first	ADV
easat-4852	240	2	,	,	PUNCT
easat-4852	240	3	the	the	DET
easat-4852	240	4	npl	npl	PROPN
easat-4852	240	5	variable	variable	NOUN
easat-4852	240	6	has	have	VERB
easat-4852	240	7	a	a	DET
easat-4852	240	8	statistically	statistically	ADV
easat-4852	240	9	significant	significant	ADJ
easat-4852	240	10	negative	negative	ADJ
easat-4852	240	11	relationship	relationship	NOUN
easat-4852	240	12	with	with	ADP
easat-4852	240	13	roa	roa	NOUN
easat-4852	240	14	but	but	CCONJ
easat-4852	240	15	is	be	AUX
easat-4852	240	16	not	not	PART
easat-4852	240	17	statistically	statistically	ADV
easat-4852	240	18	significant	significant	ADJ
easat-4852	240	19	for	for	ADP
easat-4852	240	20	nim	nim	PROPN
easat-4852	240	21	.	.	PUNCT
easat-4852	241	1	this	this	PRON
easat-4852	241	2	can	can	AUX
easat-4852	241	3	be	be	AUX
easat-4852	241	4	explained	explain	VERB
easat-4852	241	5	by	by	ADP
easat-4852	241	6	the	the	DET
easat-4852	241	7	fact	fact	NOUN
easat-4852	241	8	that	that	SCONJ
easat-4852	241	9	an	an	DET
easat-4852	241	10	increase	increase	NOUN
easat-4852	241	11	in	in	ADP
easat-4852	241	12	credit	credit	NOUN
easat-4852	241	13	risk	risk	NOUN
easat-4852	241	14	(	(	PUNCT
easat-4852	241	15	rrtd	rrtd	PROPN
easat-4852	241	16	)	)	PUNCT
easat-4852	241	17	leads	lead	VERB
easat-4852	241	18	to	to	ADP
easat-4852	241	19	higher	high	ADJ
easat-4852	241	20	credit	credit	NOUN
easat-4852	241	21	risk	risk	NOUN
easat-4852	241	22	provisions	provision	NOUN
easat-4852	241	23	,	,	PUNCT
easat-4852	241	24	along	along	ADP
easat-4852	241	25	with	with	ADP
easat-4852	241	26	increased	increase	VERB
easat-4852	241	27	debt	debt	NOUN
easat-4852	241	28	management	management	NOUN
easat-4852	241	29	costs	cost	NOUN
easat-4852	241	30	due	due	ADJ
easat-4852	241	31	to	to	ADP
easat-4852	241	32	prolonged	prolonged	ADJ
easat-4852	241	33	delinquent	delinquent	ADJ
easat-4852	241	34	loans	loan	NOUN
easat-4852	241	35	,	,	PUNCT
easat-4852	241	36	ultimately	ultimately	ADV
easat-4852	241	37	reducing	reduce	VERB
easat-4852	241	38	profitability	profitability	NOUN
easat-4852	241	39	and	and	CCONJ
easat-4852	241	40	causing	cause	VERB
easat-4852	241	41	a	a	DET
easat-4852	241	42	decline	decline	NOUN
easat-4852	241	43	in	in	ADP
easat-4852	241	44	roa	roa	PROPN
easat-4852	241	45	.	.	PUNCT
easat-4852	242	1	second	second	ADJ
easat-4852	242	2	,	,	PUNCT
easat-4852	242	3	the	the	DET
easat-4852	242	4	ldr	ldr	PROPN
easat-4852	242	5	variable	variable	NOUN
easat-4852	242	6	has	have	VERB
easat-4852	242	7	a	a	DET
easat-4852	242	8	positive	positive	ADJ
easat-4852	242	9	correlation	correlation	NOUN
easat-4852	242	10	but	but	CCONJ
easat-4852	242	11	does	do	AUX
easat-4852	242	12	not	not	PART
easat-4852	242	13	have	have	VERB
easat-4852	242	14	a	a	DET
easat-4852	242	15	significant	significant	ADJ
easat-4852	242	16	impact	impact	NOUN
easat-4852	242	17	on	on	ADP
easat-4852	242	18	roa	roa	PROPN
easat-4852	242	19	,	,	PUNCT
easat-4852	242	20	whereas	whereas	SCONJ
easat-4852	242	21	it	it	PRON
easat-4852	242	22	has	have	VERB
easat-4852	242	23	a	a	DET
easat-4852	242	24	statistically	statistically	ADV
easat-4852	242	25	significant	significant	ADJ
easat-4852	242	26	positive	positive	ADJ
easat-4852	242	27	effect	effect	NOUN
easat-4852	242	28	on	on	ADP
easat-4852	242	29	nim	nim	PROPN
easat-4852	242	30	.	.	PUNCT
easat-4852	243	1	this	this	PRON
easat-4852	243	2	suggests	suggest	VERB
easat-4852	243	3	a	a	DET
easat-4852	243	4	proportional	proportional	ADJ
easat-4852	243	5	relationship	relationship	NOUN
easat-4852	243	6	between	between	ADP
easat-4852	243	7	liquidity	liquidity	NOUN
easat-4852	243	8	risk	risk	NOUN
easat-4852	243	9	and	and	CCONJ
easat-4852	243	10	expected	expect	VERB
easat-4852	243	11	profitability	profitability	NOUN
easat-4852	243	12	.	.	PUNCT
easat-4852	244	1	a	a	DET
easat-4852	244	2	commercial	commercial	ADJ
easat-4852	244	3	bank	bank	NOUN
easat-4852	244	4	that	that	PRON
easat-4852	244	5	allocates	allocate	VERB
easat-4852	244	6	too	too	ADV
easat-4852	244	7	much	much	ADV
easat-4852	244	8	mobilized	mobilize	VERB
easat-4852	244	9	capital	capital	NOUN
easat-4852	244	10	for	for	ADP
easat-4852	244	11	lending	lending	NOUN
easat-4852	244	12	may	may	AUX
easat-4852	244	13	reduce	reduce	VERB
easat-4852	244	14	its	its	PRON
easat-4852	244	15	cash	cash	NOUN
easat-4852	244	16	reserves	reserve	NOUN
easat-4852	244	17	,	,	PUNCT
easat-4852	244	18	as	as	SCONJ
easat-4852	244	19	it	it	PRON
easat-4852	244	20	has	have	VERB
easat-4852	244	21	to	to	PART
easat-4852	244	22	cut	cut	VERB
easat-4852	244	23	back	back	ADP
easat-4852	244	24	on	on	ADP
easat-4852	244	25	liquidity	liquidity	NOUN
easat-4852	244	26	buffers	buffer	NOUN
easat-4852	244	27	to	to	PART
easat-4852	244	28	increase	increase	VERB
easat-4852	244	29	its	its	PRON
easat-4852	244	30	outstanding	outstanding	ADJ
easat-4852	244	31	loans	loan	NOUN
easat-4852	244	32	.	.	PUNCT
easat-4852	245	1	while	while	SCONJ
easat-4852	245	2	an	an	DET
easat-4852	245	3	increase	increase	NOUN
easat-4852	245	4	in	in	ADP
easat-4852	245	5	outstanding	outstanding	ADJ
easat-4852	245	6	loans	loan	NOUN
easat-4852	245	7	enhances	enhance	VERB
easat-4852	245	8	interest	interest	NOUN
easat-4852	245	9	income	income	NOUN
easat-4852	245	10	,	,	PUNCT
easat-4852	245	11	a	a	DET
easat-4852	245	12	lower	low	ADJ
easat-4852	245	13	cash	cash	NOUN
easat-4852	245	14	reserve	reserve	NOUN
easat-4852	245	15	heightens	heighten	VERB
easat-4852	245	16	liquidity	liquidity	NOUN
easat-4852	245	17	risk	risk	NOUN
easat-4852	245	18	.	.	PUNCT
easat-4852	246	1	third	third	ADJ
easat-4852	246	2	,	,	PUNCT
easat-4852	246	3	the	the	DET
easat-4852	246	4	regression	regression	NOUN
easat-4852	246	5	results	result	NOUN
easat-4852	246	6	indicate	indicate	VERB
easat-4852	246	7	that	that	SCONJ
easat-4852	246	8	the	the	DET
easat-4852	246	9	cir	cir	ADJ
easat-4852	246	10	variable	variable	NOUN
easat-4852	246	11	has	have	VERB
easat-4852	246	12	an	an	DET
easat-4852	246	13	inverse	inverse	NOUN
easat-4852	246	14	relationship	relationship	NOUN
easat-4852	246	15	with	with	ADP
easat-4852	246	16	both	both	CCONJ
easat-4852	246	17	roa	roa	NOUN
easat-4852	246	18	and	and	CCONJ
easat-4852	246	19	nim	nim	PROPN
easat-4852	246	20	,	,	PUNCT
easat-4852	246	21	confirming	confirm	VERB
easat-4852	246	22	that	that	SCONJ
easat-4852	246	23	higher	high	ADJ
easat-4852	246	24	operating	operating	NOUN
easat-4852	246	25	costs	cost	NOUN
easat-4852	246	26	negatively	negatively	ADV
easat-4852	246	27	affect	affect	VERB
easat-4852	246	28	commercial	commercial	ADJ
easat-4852	246	29	banks	bank	NOUN
easat-4852	246	30	'	'	PART
easat-4852	246	31	profitability	profitability	NOUN
easat-4852	246	32	.	.	PUNCT
easat-4852	247	1	fourth	fourth	ADJ
easat-4852	247	2	,	,	PUNCT
easat-4852	247	3	the	the	DET
easat-4852	247	4	lta	lta	PROPN
easat-4852	247	5	variable	variable	NOUN
easat-4852	247	6	has	have	VERB
easat-4852	247	7	a	a	DET
easat-4852	247	8	negative	negative	ADJ
easat-4852	247	9	correlation	correlation	NOUN
easat-4852	247	10	but	but	CCONJ
easat-4852	247	11	does	do	AUX
easat-4852	247	12	not	not	PART
easat-4852	247	13	significantly	significantly	ADV
easat-4852	247	14	impact	impact	VERB
easat-4852	247	15	roa	roa	NOUN
easat-4852	247	16	or	or	CCONJ
easat-4852	247	17	nim	nim	PROPN
easat-4852	247	18	,	,	PUNCT
easat-4852	247	19	which	which	PRON
easat-4852	247	20	represent	represent	VERB
easat-4852	247	21	bank	bank	NOUN
easat-4852	247	22	profitability	profitability	NOUN
easat-4852	247	23	.	.	PUNCT
easat-4852	248	1	this	this	DET
easat-4852	248	2	result	result	NOUN
easat-4852	248	3	indicates	indicate	VERB
easat-4852	248	4	that	that	SCONJ
easat-4852	248	5	an	an	DET
easat-4852	248	6	increase	increase	NOUN
easat-4852	248	7	in	in	ADP
easat-4852	248	8	outstanding	outstanding	ADJ
easat-4852	248	9	loans	loan	NOUN
easat-4852	248	10	does	do	AUX
easat-4852	248	11	not	not	PART
easat-4852	248	12	necessarily	necessarily	ADV
easat-4852	248	13	enhance	enhance	VERB
easat-4852	248	14	profitability	profitability	NOUN
easat-4852	248	15	.	.	PUNCT
easat-4852	249	1	when	when	SCONJ
easat-4852	249	2	banks	bank	NOUN
easat-4852	249	3	expand	expand	VERB
easat-4852	249	4	their	their	PRON
easat-4852	249	5	lending	lending	NOUN
easat-4852	249	6	activities	activity	NOUN
easat-4852	249	7	,	,	PUNCT
easat-4852	249	8	they	they	PRON
easat-4852	249	9	must	must	AUX
easat-4852	249	10	simultaneously	simultaneously	ADV
easat-4852	249	11	ensure	ensure	VERB
easat-4852	249	12	effective	effective	ADJ
easat-4852	249	13	credit	credit	NOUN
easat-4852	249	14	quality	quality	NOUN
easat-4852	249	15	management	management	NOUN
easat-4852	249	16	to	to	PART
easat-4852	249	17	generate	generate	VERB
easat-4852	249	18	interest	interest	NOUN
easat-4852	249	19	income	income	NOUN
easat-4852	249	20	.	.	PUNCT
easat-4852	250	1	if	if	SCONJ
easat-4852	250	2	banks	bank	NOUN
easat-4852	250	3	face	face	VERB
easat-4852	250	4	risks	risk	NOUN
easat-4852	250	5	such	such	ADJ
easat-4852	250	6	as	as	ADP
easat-4852	250	7	borrower	borrower	NOUN
easat-4852	250	8	defaults	default	NOUN
easat-4852	250	9	,	,	PUNCT
easat-4852	250	10	an	an	DET
easat-4852	250	11	increase	increase	NOUN
easat-4852	250	12	in	in	ADP
easat-4852	250	13	non	non	ADJ
easat-4852	250	14	-	-	ADJ
easat-4852	250	15	performing	performing	ADJ
easat-4852	250	16	loans	loan	NOUN
easat-4852	250	17	,	,	PUNCT
easat-4852	250	18	or	or	CCONJ
easat-4852	250	19	external	external	ADJ
easat-4852	250	20	economic	economic	ADJ
easat-4852	250	21	shocks	shock	NOUN
easat-4852	250	22	,	,	PUNCT
easat-4852	250	23	profitability	profitability	NOUN
easat-4852	250	24	may	may	AUX
easat-4852	250	25	decline	decline	VERB
easat-4852	250	26	.	.	PUNCT
easat-4852	251	1	fifth	fifth	ADJ
easat-4852	251	2	,	,	PUNCT
easat-4852	251	3	the	the	DET
easat-4852	251	4	ear	ear	NOUN
easat-4852	251	5	variable	variable	NOUN
easat-4852	251	6	has	have	VERB
easat-4852	251	7	a	a	DET
easat-4852	251	8	positive	positive	ADJ
easat-4852	251	9	effect	effect	NOUN
easat-4852	251	10	on	on	ADP
easat-4852	251	11	both	both	DET
easat-4852	251	12	roa	roa	NOUN
easat-4852	251	13	and	and	CCONJ
easat-4852	251	14	nim	nim	PROPN
easat-4852	251	15	,	,	PUNCT
easat-4852	251	16	suggesting	suggest	VERB
easat-4852	251	17	that	that	SCONJ
easat-4852	251	18	higher	high	ADJ
easat-4852	251	19	equity	equity	NOUN
easat-4852	251	20	capital	capital	NOUN
easat-4852	251	21	improves	improve	VERB
easat-4852	251	22	bank	bank	PROPN
easat-4852	251	23	1656	1656	NUM
easat-4852	251	24	edelweiss	edelweiss	PROPN
easat-4852	251	25	applied	apply	VERB
easat-4852	251	26	science	science	NOUN
easat-4852	251	27	and	and	CCONJ
easat-4852	251	28	technology	technology	NOUN
easat-4852	251	29	issn	issn	PROPN
easat-4852	251	30	:	:	PUNCT
easat-4852	251	31	2576	2576	NUM
easat-4852	251	32	-	-	SYM
easat-4852	251	33	8484	8484	NUM
easat-4852	251	34	vol	vol	NOUN
easat-4852	251	35	.	.	PROPN
easat-4852	252	1	9	9	NUM
easat-4852	252	2	,	,	PUNCT
easat-4852	252	3	no	no	INTJ
easat-4852	252	4	.	.	NOUN
easat-4852	252	5	2	2	NUM
easat-4852	252	6	:	:	PUNCT
easat-4852	252	7	1648	1648	NUM
easat-4852	252	8	-	-	SYM
easat-4852	252	9	1658	1658	NUM
easat-4852	252	10	,	,	PUNCT
easat-4852	252	11	2025	2025	NUM
easat-4852	252	12	doi	doi	NOUN
easat-4852	252	13	:	:	PUNCT
easat-4852	252	14	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	252	15	©	©	PROPN
easat-4852	252	16	2025	2025	NUM
easat-4852	252	17	by	by	ADP
easat-4852	252	18	the	the	DET
easat-4852	252	19	authors	author	NOUN
easat-4852	252	20	;	;	PUNCT
easat-4852	252	21	licensee	licensee	PROPN
easat-4852	252	22	learning	learning	NOUN
easat-4852	252	23	gate	gate	NOUN
easat-4852	252	24	profitability	profitability	NOUN
easat-4852	252	25	.	.	PUNCT
easat-4852	253	1	this	this	PRON
easat-4852	253	2	aligns	align	VERB
easat-4852	253	3	with	with	ADP
easat-4852	253	4	the	the	DET
easat-4852	253	5	practical	practical	ADJ
easat-4852	253	6	operations	operation	NOUN
easat-4852	253	7	of	of	ADP
easat-4852	253	8	banks	bank	NOUN
easat-4852	253	9	,	,	PUNCT
easat-4852	253	10	as	as	SCONJ
easat-4852	253	11	a	a	DET
easat-4852	253	12	higher	high	ADJ
easat-4852	253	13	capital	capital	NOUN
easat-4852	253	14	adequacy	adequacy	NOUN
easat-4852	253	15	ratio	ratio	NOUN
easat-4852	253	16	enhances	enhance	VERB
easat-4852	253	17	risk	risk	NOUN
easat-4852	253	18	resilience	resilience	NOUN
easat-4852	253	19	and	and	CCONJ
easat-4852	253	20	strengthens	strengthen	VERB
easat-4852	253	21	financial	financial	ADJ
easat-4852	253	22	stability	stability	NOUN
easat-4852	253	23	.	.	PUNCT
easat-4852	254	1	moreover	moreover	ADV
easat-4852	254	2	,	,	PUNCT
easat-4852	254	3	banks	bank	NOUN
easat-4852	254	4	with	with	ADP
easat-4852	254	5	higher	high	ADJ
easat-4852	254	6	capital	capital	NOUN
easat-4852	254	7	can	can	AUX
easat-4852	254	8	safely	safely	ADV
easat-4852	254	9	expand	expand	VERB
easat-4852	254	10	their	their	PRON
easat-4852	254	11	credit	credit	NOUN
easat-4852	254	12	activities	activity	NOUN
easat-4852	254	13	,	,	PUNCT
easat-4852	254	14	minimizing	minimize	VERB
easat-4852	254	15	credit	credit	NOUN
easat-4852	254	16	risk	risk	NOUN
easat-4852	254	17	and	and	CCONJ
easat-4852	254	18	increasing	increase	VERB
easat-4852	254	19	interest	interest	NOUN
easat-4852	254	20	-	-	PUNCT
easat-4852	254	21	based	base	VERB
easat-4852	254	22	profitability	profitability	NOUN
easat-4852	254	23	.	.	PUNCT
easat-4852	255	1	additionally	additionally	ADV
easat-4852	255	2	,	,	PUNCT
easat-4852	255	3	higher	high	ADJ
easat-4852	255	4	equity	equity	NOUN
easat-4852	255	5	capital	capital	NOUN
easat-4852	255	6	enhances	enhance	VERB
easat-4852	255	7	bank	bank	NOUN
easat-4852	255	8	credibility	credibility	NOUN
easat-4852	255	9	,	,	PUNCT
easat-4852	255	10	reducing	reduce	VERB
easat-4852	255	11	funding	funding	NOUN
easat-4852	255	12	costs	cost	NOUN
easat-4852	255	13	and	and	CCONJ
easat-4852	255	14	allowing	allow	VERB
easat-4852	255	15	banks	bank	NOUN
easat-4852	255	16	to	to	PART
easat-4852	255	17	lower	lower	VERB
easat-4852	255	18	interest	interest	NOUN
easat-4852	255	19	expenses	expense	NOUN
easat-4852	255	20	,	,	PUNCT
easat-4852	255	21	thereby	thereby	ADV
easat-4852	255	22	increasing	increase	VERB
easat-4852	255	23	nim	nim	PROPN
easat-4852	255	24	.	.	PUNCT
easat-4852	255	25	sixth	sixth	PROPN
easat-4852	255	26	,	,	PUNCT
easat-4852	255	27	the	the	DET
easat-4852	255	28	effect	effect	NOUN
easat-4852	255	29	of	of	ADP
easat-4852	255	30	the	the	DET
easat-4852	255	31	logasset	logasset	NOUN
easat-4852	255	32	variable	variable	NOUN
easat-4852	255	33	differs	differ	VERB
easat-4852	255	34	between	between	ADP
easat-4852	255	35	the	the	DET
easat-4852	255	36	roa	roa	NOUN
easat-4852	255	37	and	and	CCONJ
easat-4852	255	38	nim	nim	PROPN
easat-4852	255	39	models	model	NOUN
easat-4852	255	40	,	,	PUNCT
easat-4852	255	41	as	as	SCONJ
easat-4852	255	42	it	it	PRON
easat-4852	255	43	is	be	AUX
easat-4852	255	44	positively	positively	ADV
easat-4852	255	45	correlated	correlate	VERB
easat-4852	255	46	with	with	ADP
easat-4852	255	47	roa	roa	NOUN
easat-4852	255	48	but	but	CCONJ
easat-4852	255	49	does	do	AUX
easat-4852	255	50	not	not	PART
easat-4852	255	51	significantly	significantly	ADV
easat-4852	255	52	impact	impact	VERB
easat-4852	255	53	nim	nim	PROPN
easat-4852	255	54	.	.	PUNCT
easat-4852	256	1	larger	large	ADJ
easat-4852	256	2	banks	bank	NOUN
easat-4852	256	3	may	may	AUX
easat-4852	256	4	benefit	benefit	VERB
easat-4852	256	5	from	from	ADP
easat-4852	256	6	greater	great	ADJ
easat-4852	256	7	investment	investment	NOUN
easat-4852	256	8	opportunities	opportunity	NOUN
easat-4852	256	9	,	,	PUNCT
easat-4852	256	10	improved	improve	VERB
easat-4852	256	11	access	access	NOUN
easat-4852	256	12	to	to	ADP
easat-4852	256	13	financial	financial	ADJ
easat-4852	256	14	resources	resource	NOUN
easat-4852	256	15	,	,	PUNCT
easat-4852	256	16	and	and	CCONJ
easat-4852	256	17	stronger	strong	ADJ
easat-4852	256	18	market	market	NOUN
easat-4852	256	19	positioning	positioning	NOUN
easat-4852	256	20	.	.	PUNCT
easat-4852	257	1	large	large	ADJ
easat-4852	257	2	commercial	commercial	ADJ
easat-4852	257	3	banks	bank	NOUN
easat-4852	257	4	can	can	AUX
easat-4852	257	5	leverage	leverage	VERB
easat-4852	257	6	their	their	PRON
easat-4852	257	7	scale	scale	NOUN
easat-4852	257	8	and	and	CCONJ
easat-4852	257	9	capabilities	capability	NOUN
easat-4852	257	10	to	to	PART
easat-4852	257	11	optimize	optimize	VERB
easat-4852	257	12	operations	operation	NOUN
easat-4852	257	13	,	,	PUNCT
easat-4852	257	14	enhance	enhance	VERB
easat-4852	257	15	management	management	NOUN
easat-4852	257	16	efficiency	efficiency	NOUN
easat-4852	257	17	,	,	PUNCT
easat-4852	257	18	and	and	CCONJ
easat-4852	257	19	build	build	VERB
easat-4852	257	20	customer	customer	NOUN
easat-4852	257	21	trust	trust	PROPN
easat-4852	257	22	.	.	PUNCT
easat-4852	258	1	previous	previous	ADJ
easat-4852	258	2	research	research	NOUN
easat-4852	258	3	suggests	suggest	VERB
easat-4852	258	4	that	that	SCONJ
easat-4852	258	5	increasing	increase	VERB
easat-4852	258	6	bank	bank	NOUN
easat-4852	258	7	size	size	NOUN
easat-4852	258	8	provides	provide	VERB
easat-4852	258	9	potential	potential	ADJ
easat-4852	258	10	diversification	diversification	NOUN
easat-4852	258	11	advantages	advantage	NOUN
easat-4852	258	12	[	[	X
easat-4852	258	13	25	25	NUM
easat-4852	258	14	]	]	PUNCT
easat-4852	258	15	leading	lead	VERB
easat-4852	258	16	to	to	ADP
easat-4852	258	17	enhanced	enhanced	ADJ
easat-4852	258	18	operational	operational	ADJ
easat-4852	258	19	efficiency	efficiency	NOUN
easat-4852	258	20	and	and	CCONJ
easat-4852	258	21	profitability	profitability	NOUN
easat-4852	258	22	.	.	PUNCT
easat-4852	259	1	however	however	ADV
easat-4852	259	2	,	,	PUNCT
easat-4852	259	3	for	for	ADP
easat-4852	259	4	nim	nim	PROPN
easat-4852	259	5	,	,	PUNCT
easat-4852	259	6	larger	large	ADJ
easat-4852	259	7	asset	asset	NOUN
easat-4852	259	8	size	size	NOUN
easat-4852	259	9	may	may	AUX
easat-4852	259	10	not	not	PART
easat-4852	259	11	necessarily	necessarily	ADV
easat-4852	259	12	translate	translate	VERB
easat-4852	259	13	into	into	ADP
easat-4852	259	14	improved	improved	ADJ
easat-4852	259	15	net	net	ADJ
easat-4852	259	16	interest	interest	NOUN
easat-4852	259	17	margins	margin	NOUN
easat-4852	259	18	,	,	PUNCT
easat-4852	259	19	especially	especially	ADV
easat-4852	259	20	if	if	SCONJ
easat-4852	259	21	banks	bank	NOUN
easat-4852	259	22	struggle	struggle	VERB
easat-4852	259	23	to	to	PART
easat-4852	259	24	adjust	adjust	VERB
easat-4852	259	25	their	their	PRON
easat-4852	259	26	lending	lending	NOUN
easat-4852	259	27	and	and	CCONJ
easat-4852	259	28	deposit	deposit	NOUN
easat-4852	259	29	interest	interest	NOUN
easat-4852	259	30	rate	rate	NOUN
easat-4852	259	31	spreads	spread	VERB
easat-4852	259	32	in	in	ADP
easat-4852	259	33	their	their	PRON
easat-4852	259	34	favor	favor	NOUN
easat-4852	259	35	.	.	PUNCT
easat-4852	260	1	additionally	additionally	ADV
easat-4852	260	2	,	,	PUNCT
easat-4852	260	3	larger	large	ADJ
easat-4852	260	4	banks	bank	NOUN
easat-4852	260	5	may	may	AUX
easat-4852	260	6	need	need	VERB
easat-4852	260	7	to	to	PART
easat-4852	260	8	increase	increase	VERB
easat-4852	260	9	deposit	deposit	NOUN
easat-4852	260	10	rates	rate	NOUN
easat-4852	260	11	and	and	CCONJ
easat-4852	260	12	lower	low	ADJ
easat-4852	260	13	lending	lending	NOUN
easat-4852	260	14	rates	rate	NOUN
easat-4852	260	15	to	to	PART
easat-4852	260	16	maintain	maintain	VERB
easat-4852	260	17	market	market	NOUN
easat-4852	260	18	share	share	NOUN
easat-4852	260	19	,	,	PUNCT
easat-4852	260	20	which	which	PRON
easat-4852	260	21	could	could	AUX
easat-4852	260	22	reduce	reduce	VERB
easat-4852	260	23	nim	nim	PROPN
easat-4852	260	24	.	.	PROPN
easat-4852	260	25	seventh	seventh	PROPN
easat-4852	260	26	,	,	PUNCT
easat-4852	260	27	the	the	DET
easat-4852	260	28	cr4	cr4	PROPN
easat-4852	260	29	variable	variable	NOUN
easat-4852	260	30	has	have	VERB
easat-4852	260	31	a	a	DET
easat-4852	260	32	negative	negative	ADJ
easat-4852	260	33	correlation	correlation	NOUN
easat-4852	260	34	with	with	ADP
easat-4852	260	35	roa	roa	NOUN
easat-4852	260	36	but	but	CCONJ
easat-4852	260	37	does	do	AUX
easat-4852	260	38	not	not	PART
easat-4852	260	39	affect	affect	VERB
easat-4852	260	40	nim	nim	PROPN
easat-4852	260	41	.	.	PUNCT
easat-4852	261	1	this	this	PRON
easat-4852	261	2	suggests	suggest	VERB
easat-4852	261	3	that	that	SCONJ
easat-4852	261	4	while	while	SCONJ
easat-4852	261	5	banks	bank	NOUN
easat-4852	261	6	with	with	ADP
easat-4852	261	7	larger	large	ADJ
easat-4852	261	8	market	market	NOUN
easat-4852	261	9	shares	share	NOUN
easat-4852	261	10	may	may	AUX
easat-4852	261	11	achieve	achieve	VERB
easat-4852	261	12	cost	cost	NOUN
easat-4852	261	13	efficiencies	efficiency	NOUN
easat-4852	261	14	through	through	ADP
easat-4852	261	15	economies	economy	NOUN
easat-4852	261	16	of	of	ADP
easat-4852	261	17	scale	scale	NOUN
easat-4852	261	18	,	,	PUNCT
easat-4852	261	19	ineffective	ineffective	ADJ
easat-4852	261	20	resource	resource	NOUN
easat-4852	261	21	management	management	NOUN
easat-4852	261	22	or	or	CCONJ
easat-4852	261	23	missed	miss	VERB
easat-4852	261	24	profitability	profitability	NOUN
easat-4852	261	25	opportunities	opportunity	NOUN
easat-4852	261	26	could	could	AUX
easat-4852	261	27	negatively	negatively	ADV
easat-4852	261	28	impact	impact	VERB
easat-4852	261	29	roa	roa	PROPN
easat-4852	261	30	.	.	PUNCT
easat-4852	262	1	eighth	eighth	PROPN
easat-4852	262	2	,	,	PUNCT
easat-4852	262	3	both	both	DET
easat-4852	262	4	regression	regression	NOUN
easat-4852	262	5	models	model	NOUN
easat-4852	262	6	indicate	indicate	VERB
easat-4852	262	7	that	that	SCONJ
easat-4852	262	8	the	the	DET
easat-4852	262	9	gdp	gdp	NOUN
easat-4852	262	10	variable	variable	NOUN
easat-4852	262	11	has	have	VERB
easat-4852	262	12	a	a	DET
easat-4852	262	13	positive	positive	ADJ
easat-4852	262	14	relationship	relationship	NOUN
easat-4852	262	15	with	with	ADP
easat-4852	262	16	roa	roa	PROPN
easat-4852	262	17	and	and	CCONJ
easat-4852	262	18	nim	nim	PROPN
easat-4852	262	19	.	.	PUNCT
easat-4852	263	1	this	this	PRON
easat-4852	263	2	implies	imply	VERB
easat-4852	263	3	that	that	SCONJ
easat-4852	263	4	during	during	ADP
easat-4852	263	5	economic	economic	ADJ
easat-4852	263	6	growth	growth	NOUN
easat-4852	263	7	,	,	PUNCT
easat-4852	263	8	businesses	business	NOUN
easat-4852	263	9	operate	operate	VERB
easat-4852	263	10	more	more	ADV
easat-4852	263	11	efficiently	efficiently	ADV
easat-4852	263	12	,	,	PUNCT
easat-4852	263	13	leading	lead	VERB
easat-4852	263	14	to	to	ADP
easat-4852	263	15	an	an	DET
easat-4852	263	16	increased	increase	VERB
easat-4852	263	17	demand	demand	NOUN
easat-4852	263	18	for	for	ADP
easat-4852	263	19	credit	credit	NOUN
easat-4852	263	20	from	from	ADP
easat-4852	263	21	enterprises	enterprise	NOUN
easat-4852	263	22	and	and	CCONJ
easat-4852	263	23	individuals	individual	NOUN
easat-4852	263	24	,	,	PUNCT
easat-4852	263	25	thereby	thereby	ADV
easat-4852	263	26	boosting	boost	VERB
easat-4852	263	27	bank	bank	NOUN
easat-4852	263	28	profitability	profitability	NOUN
easat-4852	263	29	.	.	PUNCT
easat-4852	264	1	additionally	additionally	ADV
easat-4852	264	2	,	,	PUNCT
easat-4852	264	3	economic	economic	ADJ
easat-4852	264	4	expansion	expansion	NOUN
easat-4852	264	5	presents	present	VERB
easat-4852	264	6	more	more	ADV
easat-4852	264	7	attractive	attractive	ADJ
easat-4852	264	8	investment	investment	NOUN
easat-4852	264	9	opportunities	opportunity	NOUN
easat-4852	264	10	,	,	PUNCT
easat-4852	264	11	allowing	allow	VERB
easat-4852	264	12	banks	bank	NOUN
easat-4852	264	13	to	to	PART
easat-4852	264	14	allocate	allocate	VERB
easat-4852	264	15	capital	capital	NOUN
easat-4852	264	16	to	to	ADP
easat-4852	264	17	higher	higher	ADV
easat-4852	264	18	-	-	PUNCT
easat-4852	264	19	yielding	yield	VERB
easat-4852	264	20	loans	loan	NOUN
easat-4852	264	21	or	or	CCONJ
easat-4852	264	22	expand	expand	VERB
easat-4852	264	23	financial	financial	ADJ
easat-4852	264	24	services	service	NOUN
easat-4852	264	25	,	,	PUNCT
easat-4852	264	26	ultimately	ultimately	ADV
easat-4852	264	27	improving	improve	VERB
easat-4852	264	28	roa	roa	NOUN
easat-4852	264	29	and	and	CCONJ
easat-4852	264	30	nim	nim	PROPN
easat-4852	264	31	.	.	PUNCT
easat-4852	265	1	ninth	ninth	ADJ
easat-4852	265	2	,	,	PUNCT
easat-4852	265	3	regarding	regard	VERB
easat-4852	265	4	the	the	DET
easat-4852	265	5	inflation	inflation	NOUN
easat-4852	265	6	rate	rate	NOUN
easat-4852	265	7	(	(	PUNCT
easat-4852	265	8	inf	inf	NOUN
easat-4852	265	9	)	)	PUNCT
easat-4852	265	10	variable	variable	NOUN
easat-4852	265	11	,	,	PUNCT
easat-4852	265	12	the	the	DET
easat-4852	265	13	model	model	NOUN
easat-4852	265	14	results	result	NOUN
easat-4852	265	15	show	show	VERB
easat-4852	265	16	a	a	DET
easat-4852	265	17	positive	positive	ADJ
easat-4852	265	18	correlation	correlation	NOUN
easat-4852	265	19	with	with	ADP
easat-4852	265	20	both	both	CCONJ
easat-4852	265	21	roa	roa	NOUN
easat-4852	265	22	and	and	CCONJ
easat-4852	265	23	nim	nim	PROPN
easat-4852	265	24	,	,	PUNCT
easat-4852	265	25	but	but	CCONJ
easat-4852	265	26	the	the	DET
easat-4852	265	27	relationship	relationship	NOUN
easat-4852	265	28	is	be	AUX
easat-4852	265	29	not	not	PART
easat-4852	265	30	statistically	statistically	ADV
easat-4852	265	31	significant	significant	ADJ
easat-4852	265	32	.	.	PUNCT
easat-4852	266	1	this	this	PRON
easat-4852	266	2	suggests	suggest	VERB
easat-4852	266	3	that	that	SCONJ
easat-4852	266	4	there	there	PRON
easat-4852	266	5	is	be	VERB
easat-4852	266	6	insufficient	insufficient	ADJ
easat-4852	266	7	evidence	evidence	NOUN
easat-4852	266	8	to	to	PART
easat-4852	266	9	confirm	confirm	VERB
easat-4852	266	10	the	the	DET
easat-4852	266	11	impact	impact	NOUN
easat-4852	266	12	of	of	ADP
easat-4852	266	13	inflation	inflation	NOUN
easat-4852	266	14	on	on	ADP
easat-4852	266	15	bank	bank	NOUN
easat-4852	266	16	profitability	profitability	NOUN
easat-4852	266	17	.	.	PUNCT
easat-4852	267	1	lastly	lastly	ADV
easat-4852	267	2	,	,	PUNCT
easat-4852	267	3	the	the	DET
easat-4852	267	4	covid	covid	PROPN
easat-4852	267	5	variable	variable	NOUN
easat-4852	267	6	has	have	VERB
easat-4852	267	7	a	a	DET
easat-4852	267	8	statistically	statistically	ADV
easat-4852	267	9	significant	significant	ADJ
easat-4852	267	10	positive	positive	ADJ
easat-4852	267	11	relationship	relationship	NOUN
easat-4852	267	12	with	with	ADP
easat-4852	267	13	nim	nim	PROPN
easat-4852	267	14	,	,	PUNCT
easat-4852	267	15	indicating	indicate	VERB
easat-4852	267	16	clear	clear	ADJ
easat-4852	267	17	evidence	evidence	NOUN
easat-4852	267	18	that	that	SCONJ
easat-4852	267	19	covid-19	covid-19	PROPN
easat-4852	267	20	had	have	AUX
easat-4852	267	21	a	a	DET
easat-4852	267	22	positive	positive	ADJ
easat-4852	267	23	impact	impact	NOUN
easat-4852	267	24	on	on	ADP
easat-4852	267	25	nim	nim	PROPN
easat-4852	267	26	among	among	ADP
easat-4852	267	27	commercial	commercial	ADJ
easat-4852	267	28	banks	bank	NOUN
easat-4852	267	29	.	.	PUNCT
easat-4852	268	1	however	however	ADV
easat-4852	268	2	,	,	PUNCT
easat-4852	268	3	while	while	SCONJ
easat-4852	268	4	covid	covid	PROPN
easat-4852	268	5	is	be	AUX
easat-4852	268	6	positively	positively	ADV
easat-4852	268	7	correlated	correlate	VERB
easat-4852	268	8	with	with	ADP
easat-4852	268	9	roa	roa	PROPN
easat-4852	268	10	,	,	PUNCT
easat-4852	268	11	the	the	DET
easat-4852	268	12	relationship	relationship	NOUN
easat-4852	268	13	is	be	AUX
easat-4852	268	14	not	not	PART
easat-4852	268	15	statistically	statistically	ADV
easat-4852	268	16	significant	significant	ADJ
easat-4852	268	17	.	.	PUNCT
easat-4852	269	1	notably	notably	ADV
easat-4852	269	2	,	,	PUNCT
easat-4852	269	3	despite	despite	SCONJ
easat-4852	269	4	the	the	DET
easat-4852	269	5	challenges	challenge	NOUN
easat-4852	269	6	posed	pose	VERB
easat-4852	269	7	by	by	ADP
easat-4852	269	8	the	the	DET
easat-4852	269	9	pandemic	pandemic	NOUN
easat-4852	269	10	,	,	PUNCT
easat-4852	269	11	the	the	DET
easat-4852	269	12	banking	banking	NOUN
easat-4852	269	13	sector	sector	NOUN
easat-4852	269	14	exhibited	exhibit	VERB
easat-4852	269	15	strong	strong	ADJ
easat-4852	269	16	financial	financial	ADJ
easat-4852	269	17	performance	performance	NOUN
easat-4852	269	18	during	during	ADP
easat-4852	269	19	2020–2022	2020–2022	NUM
easat-4852	269	20	.	.	PUNCT
easat-4852	270	1	particularly	particularly	ADV
easat-4852	270	2	in	in	ADP
easat-4852	270	3	2022	2022	NUM
easat-4852	270	4	,	,	PUNCT
easat-4852	270	5	key	key	ADJ
easat-4852	270	6	profitability	profitability	NOUN
easat-4852	270	7	indicators	indicator	NOUN
easat-4852	270	8	such	such	ADJ
easat-4852	270	9	as	as	ADP
easat-4852	270	10	roa	roa	PROPN
easat-4852	270	11	and	and	CCONJ
easat-4852	270	12	nim	nim	PROPN
easat-4852	270	13	remained	remain	VERB
easat-4852	270	14	high	high	ADJ
easat-4852	270	15	,	,	PUNCT
easat-4852	270	16	suggesting	suggest	VERB
easat-4852	270	17	that	that	SCONJ
easat-4852	270	18	commercial	commercial	ADJ
easat-4852	270	19	banks	bank	NOUN
easat-4852	270	20	adapted	adapt	VERB
easat-4852	270	21	effectively	effectively	ADV
easat-4852	270	22	during	during	ADP
easat-4852	270	23	the	the	DET
easat-4852	270	24	covid-19	covid-19	PROPN
easat-4852	270	25	period	period	NOUN
easat-4852	270	26	.	.	PUNCT
easat-4852	271	1	this	this	DET
easat-4852	271	2	intriguing	intriguing	ADJ
easat-4852	271	3	result	result	NOUN
easat-4852	271	4	may	may	AUX
easat-4852	271	5	be	be	AUX
easat-4852	271	6	attributed	attribute	VERB
easat-4852	271	7	to	to	ADP
easat-4852	271	8	government	government	NOUN
easat-4852	271	9	policy	policy	NOUN
easat-4852	271	10	interventions	intervention	NOUN
easat-4852	271	11	that	that	PRON
easat-4852	271	12	supported	support	VERB
easat-4852	271	13	banks	bank	NOUN
easat-4852	271	14	in	in	ADP
easat-4852	271	15	managing	manage	VERB
easat-4852	271	16	non	non	ADJ
easat-4852	271	17	-	-	ADJ
easat-4852	271	18	performing	performing	ADJ
easat-4852	271	19	loans	loan	NOUN
easat-4852	271	20	,	,	PUNCT
easat-4852	271	21	including	include	VERB
easat-4852	271	22	debt	debt	NOUN
easat-4852	271	23	restructuring	restructuring	NOUN
easat-4852	271	24	and	and	CCONJ
easat-4852	271	25	postponing	postpone	VERB
easat-4852	271	26	risk	risk	NOUN
easat-4852	271	27	provision	provision	NOUN
easat-4852	271	28	allocations	allocation	NOUN
easat-4852	271	29	.	.	PUNCT
easat-4852	272	1	these	these	DET
easat-4852	272	2	measures	measure	NOUN
easat-4852	272	3	alleviated	alleviate	VERB
easat-4852	272	4	the	the	DET
easat-4852	272	5	burden	burden	NOUN
easat-4852	272	6	of	of	ADP
easat-4852	272	7	bad	bad	ADJ
easat-4852	272	8	debts	debt	NOUN
easat-4852	272	9	,	,	PUNCT
easat-4852	272	10	reducing	reduce	VERB
easat-4852	272	11	costs	cost	NOUN
easat-4852	272	12	for	for	ADP
easat-4852	272	13	banks	bank	NOUN
easat-4852	272	14	and	and	CCONJ
easat-4852	272	15	subsequently	subsequently	ADV
easat-4852	272	16	improving	improve	VERB
easat-4852	272	17	profitability	profitability	NOUN
easat-4852	272	18	during	during	ADP
easat-4852	272	19	the	the	DET
easat-4852	272	20	pandemic	pandemic	NOUN
easat-4852	272	21	.	.	PUNCT
easat-4852	273	1	based	base	VERB
easat-4852	273	2	on	on	ADP
easat-4852	273	3	the	the	DET
easat-4852	273	4	empirical	empirical	ADJ
easat-4852	273	5	findings	finding	NOUN
easat-4852	273	6	,	,	PUNCT
easat-4852	273	7	several	several	ADJ
easat-4852	273	8	strategic	strategic	ADJ
easat-4852	273	9	recommendations	recommendation	NOUN
easat-4852	273	10	can	can	AUX
easat-4852	273	11	be	be	AUX
easat-4852	273	12	made	make	VERB
easat-4852	273	13	to	to	PART
easat-4852	273	14	enhance	enhance	VERB
easat-4852	273	15	the	the	DET
easat-4852	273	16	profitability	profitability	NOUN
easat-4852	273	17	of	of	ADP
easat-4852	273	18	vietnamese	vietnamese	ADJ
easat-4852	273	19	commercial	commercial	ADJ
easat-4852	273	20	banks	bank	NOUN
easat-4852	273	21	.	.	PUNCT
easat-4852	274	1	to	to	PART
easat-4852	274	2	begin	begin	VERB
easat-4852	274	3	with	with	ADP
easat-4852	274	4	,	,	PUNCT
easat-4852	274	5	banks	bank	NOUN
easat-4852	274	6	should	should	AUX
easat-4852	274	7	focus	focus	VERB
easat-4852	274	8	on	on	ADP
easat-4852	274	9	expanding	expand	VERB
easat-4852	274	10	asset	asset	NOUN
easat-4852	274	11	size	size	NOUN
easat-4852	274	12	by	by	ADP
easat-4852	274	13	investing	invest	VERB
easat-4852	274	14	in	in	ADP
easat-4852	274	15	operational	operational	ADJ
easat-4852	274	16	growth	growth	NOUN
easat-4852	274	17	,	,	PUNCT
easat-4852	274	18	enhancing	enhance	VERB
easat-4852	274	19	technological	technological	ADJ
easat-4852	274	20	infrastructure	infrastructure	NOUN
easat-4852	274	21	,	,	PUNCT
easat-4852	274	22	and	and	CCONJ
easat-4852	274	23	diversifying	diversify	VERB
easat-4852	274	24	financial	financial	ADJ
easat-4852	274	25	products	product	NOUN
easat-4852	274	26	to	to	PART
easat-4852	274	27	increase	increase	VERB
easat-4852	274	28	market	market	NOUN
easat-4852	274	29	competitiveness	competitiveness	NOUN
easat-4852	274	30	.	.	PUNCT
easat-4852	275	1	in	in	ADP
easat-4852	275	2	addition	addition	NOUN
easat-4852	275	3	,	,	PUNCT
easat-4852	275	4	strict	strict	ADJ
easat-4852	275	5	cost	cost	NOUN
easat-4852	275	6	control	control	NOUN
easat-4852	275	7	measures	measure	NOUN
easat-4852	275	8	should	should	AUX
easat-4852	275	9	be	be	AUX
easat-4852	275	10	implemented	implement	VERB
easat-4852	275	11	to	to	PART
easat-4852	275	12	improve	improve	VERB
easat-4852	275	13	efficiency	efficiency	NOUN
easat-4852	275	14	,	,	PUNCT
easat-4852	275	15	particularly	particularly	ADV
easat-4852	275	16	by	by	ADP
easat-4852	275	17	optimizing	optimize	VERB
easat-4852	275	18	operational	operational	ADJ
easat-4852	275	19	expenses	expense	NOUN
easat-4852	275	20	and	and	CCONJ
easat-4852	275	21	enhancing	enhance	VERB
easat-4852	275	22	digital	digital	ADJ
easat-4852	275	23	banking	banking	NOUN
easat-4852	275	24	services	service	NOUN
easat-4852	275	25	to	to	PART
easat-4852	275	26	reduce	reduce	VERB
easat-4852	275	27	overhead	overhead	ADJ
easat-4852	275	28	costs	cost	NOUN
easat-4852	275	29	.	.	PUNCT
easat-4852	276	1	moreover	moreover	ADV
easat-4852	276	2	,	,	PUNCT
easat-4852	276	3	banks	bank	NOUN
easat-4852	276	4	need	need	VERB
easat-4852	276	5	to	to	PART
easat-4852	276	6	increase	increase	VERB
easat-4852	276	7	loan	loan	NOUN
easat-4852	276	8	balances	balance	NOUN
easat-4852	276	9	while	while	SCONJ
easat-4852	276	10	simultaneously	simultaneously	ADV
easat-4852	276	11	strengthening	strengthen	VERB
easat-4852	276	12	credit	credit	NOUN
easat-4852	276	13	risk	risk	NOUN
easat-4852	276	14	management	management	NOUN
easat-4852	276	15	to	to	PART
easat-4852	276	16	mitigate	mitigate	VERB
easat-4852	276	17	non	non	ADJ
easat-4852	276	18	-	-	ADJ
easat-4852	276	19	performing	performing	ADJ
easat-4852	276	20	loans	loan	NOUN
easat-4852	276	21	(	(	PUNCT
easat-4852	276	22	npls	npls	NOUN
easat-4852	276	23	)	)	PUNCT
easat-4852	276	24	,	,	PUNCT
easat-4852	276	25	ensuring	ensure	VERB
easat-4852	276	26	sustainable	sustainable	ADJ
easat-4852	276	27	profitability	profitability	NOUN
easat-4852	276	28	.	.	PUNCT
easat-4852	277	1	furthermore	furthermore	ADV
easat-4852	277	2	,	,	PUNCT
easat-4852	277	3	capital	capital	NOUN
easat-4852	277	4	-	-	PUNCT
easat-4852	277	5	raising	raise	VERB
easat-4852	277	6	strategies	strategy	NOUN
easat-4852	277	7	should	should	AUX
easat-4852	277	8	be	be	AUX
easat-4852	277	9	adopted	adopt	VERB
easat-4852	277	10	to	to	PART
easat-4852	277	11	expand	expand	VERB
easat-4852	277	12	equity	equity	NOUN
easat-4852	277	13	capital	capital	NOUN
easat-4852	277	14	,	,	PUNCT
easat-4852	277	15	reinforcing	reinforce	VERB
easat-4852	277	16	financial	financial	ADJ
easat-4852	277	17	stability	stability	NOUN
easat-4852	277	18	and	and	CCONJ
easat-4852	277	19	risk	risk	NOUN
easat-4852	277	20	resilience	resilience	NOUN
easat-4852	277	21	.	.	PUNCT
easat-4852	278	1	finally	finally	ADV
easat-4852	278	2	,	,	PUNCT
easat-4852	278	3	banks	bank	NOUN
easat-4852	278	4	must	must	AUX
easat-4852	278	5	analyze	analyze	VERB
easat-4852	278	6	and	and	CCONJ
easat-4852	278	7	adjust	adjust	VERB
easat-4852	278	8	business	business	NOUN
easat-4852	278	9	strategies	strategy	NOUN
easat-4852	278	10	to	to	PART
easat-4852	278	11	remain	remain	VERB
easat-4852	278	12	adaptable	adaptable	ADJ
easat-4852	278	13	to	to	ADP
easat-4852	278	14	macroeconomic	macroeconomic	ADJ
easat-4852	278	15	fluctuations	fluctuation	NOUN
easat-4852	278	16	,	,	PUNCT
easat-4852	278	17	such	such	ADJ
easat-4852	278	18	as	as	ADP
easat-4852	278	19	gdp	gdp	NOUN
easat-4852	278	20	growth	growth	NOUN
easat-4852	278	21	variations	variation	NOUN
easat-4852	278	22	or	or	CCONJ
easat-4852	278	23	external	external	ADJ
easat-4852	278	24	shocks	shock	NOUN
easat-4852	278	25	like	like	ADP
easat-4852	278	26	pandemics	pandemic	NOUN
easat-4852	278	27	,	,	PUNCT
easat-4852	278	28	allowing	allow	VERB
easat-4852	278	29	them	they	PRON
easat-4852	278	30	to	to	PART
easat-4852	278	31	capitalize	capitalize	VERB
easat-4852	278	32	on	on	ADP
easat-4852	278	33	new	new	ADJ
easat-4852	278	34	opportunities	opportunity	NOUN
easat-4852	278	35	and	and	CCONJ
easat-4852	278	36	maintain	maintain	VERB
easat-4852	278	37	longterm	longterm	ADJ
easat-4852	278	38	financial	financial	ADJ
easat-4852	278	39	stability	stability	NOUN
easat-4852	278	40	.	.	PUNCT
easat-4852	279	1	6	6	X
easat-4852	279	2	.	.	X
easat-4852	279	3	conclusion	conclusion	NOUN
easat-4852	279	4	in	in	ADP
easat-4852	279	5	this	this	DET
easat-4852	279	6	study	study	NOUN
easat-4852	279	7	,	,	PUNCT
easat-4852	279	8	the	the	DET
easat-4852	279	9	authors	author	NOUN
easat-4852	279	10	conducted	conduct	VERB
easat-4852	279	11	a	a	DET
easat-4852	279	12	comprehensive	comprehensive	ADJ
easat-4852	279	13	and	and	CCONJ
easat-4852	279	14	in	in	ADP
easat-4852	279	15	-	-	PUNCT
easat-4852	279	16	depth	depth	NOUN
easat-4852	279	17	analysis	analysis	NOUN
easat-4852	279	18	of	of	ADP
easat-4852	279	19	the	the	DET
easat-4852	279	20	factors	factor	NOUN
easat-4852	279	21	influencing	influence	VERB
easat-4852	279	22	the	the	DET
easat-4852	279	23	profitability	profitability	NOUN
easat-4852	279	24	of	of	ADP
easat-4852	279	25	commercial	commercial	ADJ
easat-4852	279	26	banks	bank	NOUN
easat-4852	279	27	,	,	PUNCT
easat-4852	279	28	using	use	VERB
easat-4852	279	29	a	a	DET
easat-4852	279	30	research	research	NOUN
easat-4852	279	31	sample	sample	NOUN
easat-4852	279	32	of	of	ADP
easat-4852	279	33	nine	nine	NUM
easat-4852	279	34	vietnamese	vietnamese	PROPN
easat-4852	279	35	1657	1657	NUM
easat-4852	279	36	edelweiss	edelweiss	PROPN
easat-4852	279	37	applied	apply	VERB
easat-4852	279	38	science	science	NOUN
easat-4852	279	39	and	and	CCONJ
easat-4852	279	40	technology	technology	NOUN
easat-4852	279	41	issn	issn	PROPN
easat-4852	279	42	:	:	PUNCT
easat-4852	279	43	2576	2576	NUM
easat-4852	279	44	-	-	SYM
easat-4852	279	45	8484	8484	NUM
easat-4852	279	46	vol	vol	NOUN
easat-4852	279	47	.	.	PROPN
easat-4852	280	1	9	9	NUM
easat-4852	280	2	,	,	PUNCT
easat-4852	280	3	no	no	INTJ
easat-4852	280	4	.	.	NOUN
easat-4852	280	5	2	2	NUM
easat-4852	280	6	:	:	PUNCT
easat-4852	280	7	1648	1648	NUM
easat-4852	280	8	-	-	SYM
easat-4852	280	9	1658	1658	NUM
easat-4852	280	10	,	,	PUNCT
easat-4852	280	11	2025	2025	NUM
easat-4852	280	12	doi	doi	NOUN
easat-4852	280	13	:	:	PUNCT
easat-4852	280	14	10.55214/25768484.v9i2.4852	10.55214/25768484.v9i2.4852	NUM
easat-4852	280	15	©	©	PROPN
easat-4852	280	16	2025	2025	NUM
easat-4852	280	17	by	by	ADP
easat-4852	280	18	the	the	DET
easat-4852	280	19	authors	author	NOUN
easat-4852	280	20	;	;	PUNCT
easat-4852	280	21	licensee	licensee	PROPN
easat-4852	280	22	learning	learning	NOUN
easat-4852	280	23	gate	gate	PROPN
easat-4852	280	24	commercial	commercial	ADJ
easat-4852	280	25	banks	bank	NOUN
easat-4852	280	26	during	during	ADP
easat-4852	280	27	the	the	DET
easat-4852	280	28	period	period	NOUN
easat-4852	280	29	from	from	ADP
easat-4852	280	30	2013	2013	NUM
easat-4852	280	31	to	to	ADP
easat-4852	280	32	2024	2024	NUM
easat-4852	280	33	.	.	PUNCT
easat-4852	281	1	specifically	specifically	ADV
easat-4852	281	2	,	,	PUNCT
easat-4852	281	3	for	for	ADP
easat-4852	281	4	roa	roa	PROPN
easat-4852	281	5	,	,	PUNCT
easat-4852	281	6	the	the	DET
easat-4852	281	7	variables	variable	NOUN
easat-4852	281	8	ear	ear	NOUN
easat-4852	281	9	,	,	PUNCT
easat-4852	281	10	gdp	gdp	NOUN
easat-4852	281	11	,	,	PUNCT
easat-4852	281	12	and	and	CCONJ
easat-4852	281	13	bank	bank	NOUN
easat-4852	281	14	size	size	NOUN
easat-4852	281	15	exhibit	exhibit	VERB
easat-4852	281	16	a	a	DET
easat-4852	281	17	positive	positive	ADJ
easat-4852	281	18	impact	impact	NOUN
easat-4852	281	19	,	,	PUNCT
easat-4852	281	20	whereas	whereas	SCONJ
easat-4852	281	21	npl	npl	PROPN
easat-4852	281	22	,	,	PUNCT
easat-4852	281	23	cir	cir	NOUN
easat-4852	281	24	,	,	PUNCT
easat-4852	281	25	and	and	CCONJ
easat-4852	281	26	cr4	cr4	NOUN
easat-4852	281	27	have	have	VERB
easat-4852	281	28	a	a	DET
easat-4852	281	29	negative	negative	ADJ
easat-4852	281	30	effect	effect	NOUN
easat-4852	281	31	.	.	PUNCT
easat-4852	282	1	regarding	regard	VERB
easat-4852	282	2	nim	nim	PROPN
easat-4852	282	3	,	,	PUNCT
easat-4852	282	4	the	the	DET
easat-4852	282	5	positively	positively	ADV
easat-4852	282	6	influencing	influence	VERB
easat-4852	282	7	factors	factor	NOUN
easat-4852	282	8	include	include	VERB
easat-4852	282	9	gdp	gdp	NOUN
easat-4852	282	10	,	,	PUNCT
easat-4852	282	11	ear	ear	NOUN
easat-4852	282	12	,	,	PUNCT
easat-4852	282	13	ldr	ldr	PROPN
easat-4852	282	14	,	,	PUNCT
easat-4852	282	15	and	and	CCONJ
easat-4852	282	16	covid	covid	PROPN
easat-4852	282	17	,	,	PUNCT
easat-4852	282	18	while	while	SCONJ
easat-4852	282	19	cir	cir	NOUN
easat-4852	282	20	exerts	exert	VERB
easat-4852	282	21	a	a	DET
easat-4852	282	22	negative	negative	ADJ
easat-4852	282	23	impact	impact	NOUN
easat-4852	282	24	.	.	PUNCT
easat-4852	283	1	based	base	VERB
easat-4852	283	2	on	on	ADP
easat-4852	283	3	these	these	DET
easat-4852	283	4	findings	finding	NOUN
easat-4852	283	5	,	,	PUNCT
easat-4852	283	6	the	the	DET
easat-4852	283	7	authors	author	NOUN
easat-4852	283	8	propose	propose	VERB
easat-4852	283	9	several	several	ADJ
easat-4852	283	10	recommendations	recommendation	NOUN
easat-4852	283	11	to	to	PART
easat-4852	283	12	improve	improve	VERB
easat-4852	283	13	the	the	DET
easat-4852	283	14	profitability	profitability	NOUN
easat-4852	283	15	of	of	ADP
easat-4852	283	16	commercial	commercial	ADJ
easat-4852	283	17	banks	bank	NOUN
easat-4852	283	18	,	,	PUNCT
easat-4852	283	19	such	such	ADJ
easat-4852	283	20	as	as	ADP
easat-4852	283	21	expanding	expand	VERB
easat-4852	283	22	asset	asset	NOUN
easat-4852	283	23	size	size	NOUN
easat-4852	283	24	,	,	PUNCT
easat-4852	283	25	increasing	increase	VERB
easat-4852	283	26	equity	equity	NOUN
easat-4852	283	27	capital	capital	NOUN
easat-4852	283	28	,	,	PUNCT
easat-4852	283	29	restructuring	restructure	VERB
easat-4852	283	30	operating	operating	NOUN
easat-4852	283	31	costs	cost	NOUN
easat-4852	283	32	,	,	PUNCT
easat-4852	283	33	enhancing	enhance	VERB
easat-4852	283	34	credit	credit	NOUN
easat-4852	283	35	risk	risk	NOUN
easat-4852	283	36	management	management	NOUN
easat-4852	283	37	,	,	PUNCT
easat-4852	283	38	and	and	CCONJ
easat-4852	283	39	analyzing	analyze	VERB
easat-4852	283	40	market	market	NOUN
easat-4852	283	41	fluctuations	fluctuation	NOUN
easat-4852	283	42	.	.	PUNCT
easat-4852	284	1	although	although	SCONJ
easat-4852	284	2	this	this	DET
easat-4852	284	3	study	study	NOUN
easat-4852	284	4	has	have	AUX
easat-4852	284	5	been	be	AUX
easat-4852	284	6	conducted	conduct	VERB
easat-4852	284	7	with	with	ADP
easat-4852	284	8	rigorous	rigorous	ADJ
easat-4852	284	9	analysis	analysis	NOUN
easat-4852	284	10	,	,	PUNCT
easat-4852	284	11	certain	certain	ADJ
easat-4852	284	12	limitations	limitation	NOUN
easat-4852	284	13	remain	remain	VERB
easat-4852	284	14	.	.	PUNCT
easat-4852	285	1	the	the	DET
easat-4852	285	2	research	research	NOUN
easat-4852	285	3	sample	sample	NOUN
easat-4852	285	4	consists	consist	VERB
easat-4852	285	5	of	of	ADP
easat-4852	285	6	only	only	ADV
easat-4852	285	7	nine	nine	NUM
easat-4852	285	8	domestic	domestic	ADJ
easat-4852	285	9	commercial	commercial	ADJ
easat-4852	285	10	banks	bank	NOUN
easat-4852	285	11	,	,	PUNCT
easat-4852	285	12	excluding	exclude	VERB
easat-4852	285	13	foreign	foreign	ADJ
easat-4852	285	14	commercial	commercial	ADJ
easat-4852	285	15	banks	bank	NOUN
easat-4852	285	16	operating	operate	VERB
easat-4852	285	17	in	in	ADP
easat-4852	285	18	vietnam	vietnam	PROPN
easat-4852	285	19	.	.	PUNCT
easat-4852	286	1	additionally	additionally	ADV
easat-4852	286	2	,	,	PUNCT
easat-4852	286	3	some	some	DET
easat-4852	286	4	potentially	potentially	ADV
easat-4852	286	5	influential	influential	ADJ
easat-4852	286	6	factors	factor	NOUN
easat-4852	286	7	,	,	PUNCT
easat-4852	286	8	such	such	ADJ
easat-4852	286	9	as	as	ADP
easat-4852	286	10	the	the	DET
easat-4852	286	11	state	state	NOUN
easat-4852	286	12	of	of	ADP
easat-4852	286	13	digital	digital	ADJ
easat-4852	286	14	transformation	transformation	NOUN
easat-4852	286	15	or	or	CCONJ
easat-4852	286	16	the	the	DET
easat-4852	286	17	level	level	NOUN
easat-4852	286	18	of	of	ADP
easat-4852	286	19	adoption	adoption	NOUN
easat-4852	286	20	of	of	ADP
easat-4852	286	21	international	international	ADJ
easat-4852	286	22	banking	banking	NOUN
easat-4852	286	23	governance	governance	NOUN
easat-4852	286	24	standards	standard	NOUN
easat-4852	286	25	,	,	PUNCT
easat-4852	286	26	have	have	AUX
easat-4852	286	27	not	not	PART
easat-4852	286	28	been	be	AUX
easat-4852	286	29	considered	consider	VERB
easat-4852	286	30	.	.	PUNCT
easat-4852	287	1	as	as	ADP
easat-4852	287	2	a	a	DET
easat-4852	287	3	result	result	NOUN
easat-4852	287	4	,	,	PUNCT
easat-4852	287	5	the	the	DET
easat-4852	287	6	findings	finding	NOUN
easat-4852	287	7	may	may	AUX
easat-4852	287	8	not	not	PART
easat-4852	287	9	provide	provide	VERB
easat-4852	287	10	a	a	DET
easat-4852	287	11	fully	fully	ADV
easat-4852	287	12	comprehensive	comprehensive	ADJ
easat-4852	287	13	perspective	perspective	NOUN
easat-4852	287	14	.	.	PUNCT
easat-4852	288	1	these	these	DET
easat-4852	288	2	limitations	limitation	NOUN
easat-4852	288	3	present	present	VERB
easat-4852	288	4	opportunities	opportunity	NOUN
easat-4852	288	5	for	for	ADP
easat-4852	288	6	future	future	ADJ
easat-4852	288	7	research	research	NOUN
easat-4852	288	8	to	to	PART
easat-4852	288	9	further	far	ADV
easat-4852	288	10	explore	explore	VERB
easat-4852	288	11	this	this	DET
easat-4852	288	12	topic	topic	NOUN
easat-4852	288	13	in	in	ADP
easat-4852	288	14	a	a	DET
easat-4852	288	15	more	more	ADV
easat-4852	288	16	holistic	holistic	ADJ
easat-4852	288	17	manner	manner	NOUN
easat-4852	288	18	.	.	PUNCT
easat-4852	289	1	transparency	transparency	NOUN
easat-4852	289	2	:	:	PUNCT
easat-4852	289	3	the	the	DET
easat-4852	289	4	authors	author	NOUN
easat-4852	289	5	confirm	confirm	VERB
easat-4852	289	6	that	that	SCONJ
easat-4852	289	7	the	the	DET
easat-4852	289	8	manuscript	manuscript	NOUN
easat-4852	289	9	is	be	AUX
easat-4852	289	10	an	an	DET
easat-4852	289	11	honest	honest	ADJ
easat-4852	289	12	,	,	PUNCT
easat-4852	289	13	accurate	accurate	ADJ
easat-4852	289	14	,	,	PUNCT
easat-4852	289	15	and	and	CCONJ
easat-4852	289	16	transparent	transparent	ADJ
easat-4852	289	17	account	account	NOUN
easat-4852	289	18	of	of	ADP
easat-4852	289	19	the	the	DET
easat-4852	289	20	study	study	NOUN
easat-4852	289	21	;	;	PUNCT
easat-4852	289	22	that	that	SCONJ
easat-4852	289	23	no	no	DET
easat-4852	289	24	vital	vital	ADJ
easat-4852	289	25	features	feature	NOUN
easat-4852	289	26	of	of	ADP
easat-4852	289	27	the	the	DET
easat-4852	289	28	study	study	NOUN
easat-4852	289	29	have	have	AUX
easat-4852	289	30	been	be	AUX
easat-4852	289	31	omitted	omit	VERB
easat-4852	289	32	;	;	PUNCT
easat-4852	289	33	and	and	CCONJ
easat-4852	289	34	that	that	SCONJ
easat-4852	289	35	any	any	DET
easat-4852	289	36	discrepancies	discrepancy	NOUN
easat-4852	289	37	from	from	ADP
easat-4852	289	38	the	the	DET
easat-4852	289	39	study	study	NOUN
easat-4852	289	40	as	as	SCONJ
easat-4852	289	41	planned	plan	VERB
easat-4852	289	42	have	have	AUX
easat-4852	289	43	been	be	AUX
easat-4852	289	44	explained	explain	VERB
easat-4852	289	45	.	.	PUNCT
easat-4852	290	1	this	this	DET
easat-4852	290	2	study	study	NOUN
easat-4852	290	3	followed	follow	VERB
easat-4852	290	4	all	all	DET
easat-4852	290	5	ethical	ethical	ADJ
easat-4852	290	6	practices	practice	NOUN
easat-4852	290	7	during	during	ADP
easat-4852	290	8	writing	writing	NOUN
easat-4852	290	9	.	.	PUNCT
easat-4852	291	1	acknowledgement	acknowledgement	NOUN
easat-4852	291	2	:	:	PUNCT
easat-4852	291	3	the	the	DET
easat-4852	291	4	authors	author	NOUN
easat-4852	291	5	gratefully	gratefully	ADV
easat-4852	291	6	acknowledge	acknowledge	VERB
easat-4852	291	7	the	the	DET
easat-4852	291	8	financial	financial	ADJ
easat-4852	291	9	support	support	NOUN
easat-4852	291	10	from	from	ADP
easat-4852	291	11	the	the	DET
easat-4852	291	12	banking	banking	NOUN
easat-4852	291	13	academy	academy	PROPN
easat-4852	291	14	of	of	ADP
easat-4852	291	15	vietnam	vietnam	PROPN
easat-4852	291	16	.	.	PUNCT
easat-4852	292	1	copyright	copyright	NOUN
easat-4852	292	2	:	:	PUNCT
easat-4852	292	3	©	©	PROPN
easat-4852	292	4	2025	2025	NUM
easat-4852	292	5	by	by	ADP
easat-4852	292	6	the	the	DET
easat-4852	292	7	authors	author	NOUN
easat-4852	292	8	.	.	PUNCT
easat-4852	293	1	this	this	DET
easat-4852	293	2	open	open	ADJ
easat-4852	293	3	-	-	PUNCT
easat-4852	293	4	access	access	NOUN
easat-4852	293	5	article	article	NOUN
easat-4852	293	6	is	be	AUX
easat-4852	293	7	distributed	distribute	VERB
easat-4852	293	8	under	under	ADP
easat-4852	293	9	the	the	DET
easat-4852	293	10	terms	term	NOUN
easat-4852	293	11	and	and	CCONJ
easat-4852	293	12	conditions	condition	NOUN
easat-4852	293	13	of	of	ADP
easat-4852	293	14	the	the	DET
easat-4852	293	15	creative	creative	ADJ
easat-4852	293	16	commons	common	NOUN
easat-4852	293	17	attribution	attribution	NOUN
easat-4852	293	18	(	(	PUNCT
easat-4852	293	19	cc	cc	NOUN
easat-4852	293	20	by	by	ADP
easat-4852	293	21	)	)	PUNCT
easat-4852	293	22	license	license	NOUN
easat-4852	293	23	(	(	PUNCT
easat-4852	293	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-4852	293	25	)	)	PUNCT
easat-4852	293	26	.	.	PUNCT
easat-4852	294	1	references	reference	NOUN
easat-4852	294	2	[	[	X
easat-4852	294	3	1	1	X
easat-4852	294	4	]	]	PUNCT
easat-4852	294	5	e.	e.	PROPN
easat-4852	294	6	brigham	brigham	PROPN
easat-4852	294	7	and	and	CCONJ
easat-4852	294	8	m.	m.	PROPN
easat-4852	294	9	ehrhardt	ehrhardt	PROPN
easat-4852	294	10	,	,	PUNCT
easat-4852	294	11	financial	financial	ADJ
easat-4852	294	12	management	management	NOUN
easat-4852	294	13	:	:	PUNCT
easat-4852	294	14	theory	theory	NOUN
easat-4852	294	15	&	&	CCONJ
easat-4852	294	16	practice	practice	PROPN
easat-4852	294	17	.	.	PUNCT
easat-4852	295	1	united	united	PROPN
easat-4852	295	2	states	states	PROPN
easat-4852	295	3	:	:	PUNCT
easat-4852	295	4	cengage	cengage	PROPN
easat-4852	295	5	learning	learning	PROPN
easat-4852	295	6	,	,	PUNCT
easat-4852	295	7	2016	2016	NUM
easat-4852	295	8	.	.	PUNCT
easat-4852	296	1	[	[	X
easat-4852	296	2	2	2	X
easat-4852	296	3	]	]	PUNCT
easat-4852	296	4	p.	p.	NOUN
easat-4852	296	5	koller	koller	PROPN
easat-4852	296	6	and	and	CCONJ
easat-4852	296	7	k.	k.	PROPN
easat-4852	296	8	keller	keller	PROPN
easat-4852	296	9	,	,	PUNCT
easat-4852	296	10	marketing	marketing	NOUN
easat-4852	296	11	management	management	NOUN
easat-4852	296	12	.	.	PUNCT
easat-4852	297	1	united	united	PROPN
easat-4852	297	2	states	states	PROPN
easat-4852	297	3	:	:	PUNCT
easat-4852	297	4	pearson	pearson	PROPN
easat-4852	297	5	,	,	PUNCT
easat-4852	297	6	2016	2016	NUM
easat-4852	297	7	.	.	PUNCT
easat-4852	298	1	[	[	X
easat-4852	298	2	3	3	X
easat-4852	298	3	]	]	X
easat-4852	298	4	e.	e.	PROPN
easat-4852	298	5	koroleva	koroleva	PROPN
easat-4852	298	6	,	,	PUNCT
easat-4852	298	7	s.	s.	PROPN
easat-4852	298	8	jigeer	jigeer	PROPN
easat-4852	298	9	,	,	PUNCT
easat-4852	298	10	a.	a.	NOUN
easat-4852	298	11	miao	miao	NOUN
easat-4852	298	12	,	,	PUNCT
easat-4852	298	13	and	and	CCONJ
easat-4852	298	14	a.	a.	NOUN
easat-4852	298	15	skhvediani	skhvediani	PROPN
easat-4852	298	16	,	,	PUNCT
easat-4852	298	17	"	"	PUNCT
easat-4852	298	18	determinants	determinant	NOUN
easat-4852	298	19	affecting	affect	VERB
easat-4852	298	20	profitability	profitability	NOUN
easat-4852	298	21	of	of	ADP
easat-4852	298	22	state	state	NOUN
easat-4852	298	23	-	-	PUNCT
easat-4852	298	24	owned	own	VERB
easat-4852	298	25	commercial	commercial	ADJ
easat-4852	298	26	banks	bank	NOUN
easat-4852	298	27	:	:	PUNCT
easat-4852	298	28	case	case	NOUN
easat-4852	298	29	study	study	NOUN
easat-4852	298	30	of	of	ADP
easat-4852	298	31	china	china	PROPN
easat-4852	298	32	,	,	PUNCT
easat-4852	298	33	"	"	PUNCT
easat-4852	298	34	risks	risk	NOUN
easat-4852	298	35	,	,	PUNCT
easat-4852	298	36	vol	vol	NOUN
easat-4852	298	37	.	.	NOUN
easat-4852	298	38	9	9	NUM
easat-4852	298	39	,	,	PUNCT
easat-4852	298	40	no	no	INTJ
easat-4852	298	41	.	.	NOUN
easat-4852	298	42	8	8	NUM
easat-4852	298	43	,	,	PUNCT
easat-4852	298	44	p.	p.	NOUN
easat-4852	298	45	150	150	NUM
easat-4852	298	46	,	,	PUNCT
easat-4852	298	47	2021	2021	NUM
easat-4852	298	48	.	.	PUNCT
easat-4852	299	1	https://doi.org/10.3390/risks9080150	https://doi.org/10.3390/risks9080150	NOUN
easat-4852	300	1	[	[	X
easat-4852	300	2	4	4	X
easat-4852	300	3	]	]	PUNCT
easat-4852	300	4	l.	l.	PROPN
easat-4852	300	5	e.	e.	PROPN
easat-4852	300	6	ngweshemi	ngweshemi	PROPN
easat-4852	300	7	and	and	CCONJ
easat-4852	300	8	a.	a.	PROPN
easat-4852	300	9	z.	z.	PROPN
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easat-4852	300	11	,	,	PUNCT
easat-4852	300	12	"	"	PUNCT
easat-4852	300	13	analysis	analysis	NOUN
easat-4852	300	14	of	of	ADP
easat-4852	300	15	the	the	DET
easat-4852	300	16	factors	factor	NOUN
easat-4852	300	17	affecting	affect	VERB
easat-4852	300	18	bank	bank	NOUN
easat-4852	300	19	profitability	profitability	NOUN
easat-4852	300	20	:	:	PUNCT
easat-4852	300	21	evidence	evidence	NOUN
easat-4852	300	22	of	of	ADP
easat-4852	300	23	tanzania	tanzania	PROPN
easat-4852	300	24	commercial	commercial	ADJ
easat-4852	300	25	banks	bank	NOUN
easat-4852	300	26	,	,	PUNCT
easat-4852	300	27	"	"	PUNCT
easat-4852	300	28	studies	study	NOUN
easat-4852	300	29	of	of	ADP
easat-4852	300	30	applied	apply	VERB
easat-4852	300	31	economics	economic	NOUN
easat-4852	300	32	,	,	PUNCT
easat-4852	300	33	vol	vol	NOUN
easat-4852	300	34	.	.	PROPN
easat-4852	300	35	39	39	NUM
easat-4852	300	36	,	,	PUNCT
easat-4852	300	37	no	no	INTJ
easat-4852	300	38	.	.	NOUN
easat-4852	300	39	8	8	NUM
easat-4852	300	40	,	,	PUNCT
easat-4852	300	41	2021	2021	NUM
easat-4852	300	42	.	.	PUNCT
easat-4852	301	1	https://doi.org/10.25115/eea.v39i8.4768	https://doi.org/10.25115/eea.v39i8.4768	PROPN
easat-4852	301	2	[	[	X
easat-4852	301	3	5	5	NUM
easat-4852	301	4	]	]	PUNCT
easat-4852	301	5	m.	m.	NOUN
easat-4852	301	6	s.	s.	PROPN
easat-4852	301	7	a.	a.	PROPN
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easat-4852	301	9	,	,	PUNCT
easat-4852	301	10	a.	a.	PROPN
easat-4852	301	11	h.	h.	PROPN
easat-4852	301	12	manurung	manurung	PROPN
easat-4852	301	13	,	,	PUNCT
easat-4852	301	14	and	and	CCONJ
easat-4852	301	15	b.	b.	PROPN
easat-4852	301	16	usman	usman	PROPN
easat-4852	301	17	,	,	PUNCT
easat-4852	301	18	"	"	PUNCT
easat-4852	301	19	determinants	determinant	NOUN
easat-4852	301	20	of	of	ADP
easat-4852	301	21	bank	bank	NOUN
easat-4852	301	22	profitability	profitability	NOUN
easat-4852	301	23	with	with	ADP
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easat-4852	301	25	as	as	ADP
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easat-4852	301	27	variable	variable	NOUN
easat-4852	301	28	,	,	PUNCT
easat-4852	301	29	"	"	PUNCT
easat-4852	301	30	journal	journal	NOUN
easat-4852	301	31	of	of	ADP
easat-4852	301	32	applied	apply	VERB
easat-4852	301	33	finance	finance	NOUN
easat-4852	301	34	and	and	CCONJ
easat-4852	301	35	banking	banking	NOUN
easat-4852	301	36	,	,	PUNCT
easat-4852	301	37	vol	vol	NOUN
easat-4852	301	38	.	.	PROPN
easat-4852	301	39	10	10	NUM
easat-4852	301	40	,	,	PUNCT
easat-4852	301	41	no	no	INTJ
easat-4852	301	42	.	.	NOUN
easat-4852	301	43	3	3	NUM
easat-4852	301	44	,	,	PUNCT
easat-4852	301	45	pp	pp	ADJ
easat-4852	301	46	.	.	PUNCT
easat-4852	302	1	153	153	NUM
easat-4852	302	2	-	-	SYM
easat-4852	302	3	166	166	NUM
easat-4852	302	4	,	,	PUNCT
easat-4852	302	5	2020	2020	NUM
easat-4852	302	6	.	.	PUNCT
easat-4852	303	1	https://econpapers.repec.org/repec:spt:apfiba:v:10:y:2020:i:3:f:10_3_7	https://econpapers.repec.org/repec:spt:apfiba:v:10:y:2020:i:3:f:10_3_7	X
easat-4852	304	1	[	[	X
easat-4852	304	2	6	6	NUM
easat-4852	304	3	]	]	PUNCT
easat-4852	304	4	s.	s.	PROPN
easat-4852	304	5	a.	a.	PROPN
easat-4852	304	6	abdulkabir	abdulkabir	PROPN
easat-4852	304	7	,	,	PUNCT
easat-4852	304	8	o.	o.	PROPN
easat-4852	304	9	t.	t.	PROPN
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easat-4852	304	11	,	,	PUNCT
easat-4852	304	12	and	and	CCONJ
easat-4852	304	13	o.	o.	PROPN
easat-4852	304	14	a.	a.	PROPN
easat-4852	304	15	lawal	lawal	PROPN
easat-4852	304	16	,	,	PUNCT
easat-4852	304	17	"	"	PUNCT
easat-4852	304	18	influence	influence	NOUN
easat-4852	304	19	of	of	ADP
easat-4852	304	20	internal	internal	ADJ
easat-4852	304	21	factors	factor	NOUN
easat-4852	304	22	on	on	ADP
easat-4852	304	23	the	the	DET
easat-4852	304	24	financial	financial	ADJ
easat-4852	304	25	performances	performance	NOUN
easat-4852	304	26	:	:	PUNCT
easat-4852	304	27	an	an	DET
easat-4852	304	28	empirical	empirical	ADJ
easat-4852	304	29	study	study	NOUN
easat-4852	304	30	on	on	ADP
easat-4852	304	31	nigerian	nigerian	ADJ
easat-4852	304	32	,	,	PUNCT
easat-4852	304	33	"	"	PUNCT
easat-4852	304	34	journal	journal	NOUN
easat-4852	304	35	of	of	ADP
easat-4852	304	36	economics	economic	NOUN
easat-4852	304	37	,	,	PUNCT
easat-4852	304	38	finance	finance	NOUN
easat-4852	304	39	and	and	CCONJ
easat-4852	304	40	management	management	NOUN
easat-4852	304	41	studies	study	NOUN
easat-4852	304	42	,	,	PUNCT
easat-4852	304	43	vol	vol	NOUN
easat-4852	304	44	.	.	PROPN
easat-4852	305	1	3	3	NUM
easat-4852	305	2	,	,	PUNCT
easat-4852	305	3	no	no	INTJ
easat-4852	305	4	.	.	NOUN
easat-4852	305	5	12	12	NUM
easat-4852	305	6	,	,	PUNCT
easat-4852	305	7	pp	pp	ADJ
easat-4852	305	8	.	.	PUNCT
easat-4852	306	1	202	202	NUM
easat-4852	306	2	-	-	SYM
easat-4852	306	3	212	212	NUM
easat-4852	306	4	,	,	PUNCT
easat-4852	306	5	2020	2020	NUM
easat-4852	306	6	.	.	PUNCT
easat-4852	307	1	https://doi.org/10.47191/jefms/v3-i12-01	https://doi.org/10.47191/jefms/v3-i12-01	PROPN
easat-4852	308	1	[	[	X
easat-4852	308	2	7	7	X
easat-4852	308	3	]	]	PUNCT
easat-4852	308	4	s.	s.	PROPN
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easat-4852	308	6	and	and	CCONJ
easat-4852	308	7	m.	m.	PROPN
easat-4852	308	8	s.	s.	PROPN
easat-4852	308	9	rana	rana	PROPN
easat-4852	308	10	,	,	PUNCT
easat-4852	308	11	"	"	PUNCT
easat-4852	308	12	determinants	determinant	NOUN
easat-4852	308	13	of	of	ADP
easat-4852	308	14	bank	bank	NOUN
easat-4852	308	15	profitability	profitability	NOUN
easat-4852	308	16	:	:	PUNCT
easat-4852	308	17	evidence	evidence	NOUN
easat-4852	308	18	from	from	ADP
easat-4852	308	19	commercial	commercial	ADJ
easat-4852	308	20	banks	bank	NOUN
easat-4852	308	21	of	of	ADP
easat-4852	308	22	bangladesh	bangladesh	NOUN
easat-4852	308	23	,	,	PUNCT
easat-4852	308	24	"	"	PUNCT
easat-4852	308	25	journal	journal	NOUN
easat-4852	308	26	of	of	ADP
easat-4852	308	27	asian	asian	ADJ
easat-4852	308	28	business	business	NOUN
easat-4852	308	29	strategy	strategy	NOUN
easat-4852	308	30	,	,	PUNCT
easat-4852	308	31	vol	vol	NOUN
easat-4852	308	32	.	.	PROPN
easat-4852	308	33	9	9	NUM
easat-4852	308	34	,	,	PUNCT
easat-4852	308	35	no	no	INTJ
easat-4852	308	36	.	.	NOUN
easat-4852	308	37	2	2	NUM
easat-4852	308	38	,	,	PUNCT
easat-4852	308	39	p.	p.	NOUN
easat-4852	308	40	174	174	NUM
easat-4852	308	41	,	,	PUNCT
easat-4852	308	42	2019	2019	NUM
easat-4852	308	43	.	.	PUNCT
easat-4852	309	1	https://doi.org/10.18488/journal.1006.2019.92.174.183	https://doi.org/10.18488/journal.1006.2019.92.174.183	VERB
easat-4852	309	2	[	[	X
easat-4852	309	3	8	8	NUM
easat-4852	309	4	]	]	X
easat-4852	309	5	w.	w.	PROPN
easat-4852	309	6	sanyaolu	sanyaolu	PROPN
easat-4852	309	7	,	,	PUNCT
easat-4852	309	8	"	"	PUNCT
easat-4852	309	9	determinants	determinant	NOUN
easat-4852	309	10	of	of	ADP
easat-4852	309	11	profitability	profitability	NOUN
easat-4852	309	12	of	of	ADP
easat-4852	309	13	negerian	negerian	ADJ
easat-4852	309	14	deposit	deposit	NOUN
easat-4852	309	15	money	money	NOUN
easat-4852	309	16	banks	bank	NOUN
easat-4852	309	17	,	,	PUNCT
easat-4852	309	18	"	"	PUNCT
easat-4852	309	19	economic	economic	ADJ
easat-4852	309	20	review	review	NOUN
easat-4852	309	21	,	,	PUNCT
easat-4852	309	22	vol	vol	NOUN
easat-4852	309	23	.	.	PROPN
easat-4852	309	24	17	17	NUM
easat-4852	309	25	,	,	PUNCT
easat-4852	309	26	no	no	INTJ
easat-4852	309	27	.	.	NOUN
easat-4852	309	28	1	1	NUM
easat-4852	309	29	,	,	PUNCT
easat-4852	309	30	pp	pp	ADJ
easat-4852	309	31	.	.	PUNCT
easat-4852	310	1	47–62	47–62	NUM
easat-4852	310	2	,	,	PUNCT
easat-4852	310	3	2019	2019	NUM
easat-4852	310	4	.	.	PUNCT
easat-4852	311	1	[	[	X
easat-4852	311	2	9	9	NUM
easat-4852	311	3	]	]	PUNCT
easat-4852	311	4	a.	a.	NOUN
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easat-4852	311	8	boujelbene	boujelbene	PROPN
easat-4852	311	9	,	,	PUNCT
easat-4852	311	10	"	"	PUNCT
easat-4852	311	11	the	the	DET
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easat-4852	311	13	of	of	ADP
easat-4852	311	14	the	the	DET
easat-4852	311	15	profitability	profitability	NOUN
easat-4852	311	16	of	of	ADP
easat-4852	311	17	the	the	DET
easat-4852	311	18	tunisian	tunisian	ADJ
easat-4852	311	19	deposit	deposit	NOUN
easat-4852	311	20	banks	bank	NOUN
easat-4852	311	21	,	,	PUNCT
easat-4852	311	22	"	"	PUNCT
easat-4852	311	23	ibima	ibima	PROPN
easat-4852	311	24	business	business	PROPN
easat-4852	311	25	review	review	PROPN
easat-4852	311	26	,	,	PUNCT
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easat-4852	311	28	.	.	PROPN
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easat-4852	311	30	,	,	PUNCT
easat-4852	311	31	p.	p.	NOUN
easat-4852	311	32	1	1	NUM
easat-4852	311	33	,	,	PUNCT
easat-4852	311	34	2012	2012	NUM
easat-4852	311	35	.	.	PUNCT
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easat-4852	313	1	[	[	X
easat-4852	313	2	10	10	NUM
easat-4852	313	3	]	]	X
easat-4852	313	4	h.	h.	PROPN
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easat-4852	313	6	,	,	PUNCT
easat-4852	313	7	"	"	PUNCT
easat-4852	313	8	determinants	determinant	NOUN
easat-4852	313	9	of	of	ADP
easat-4852	313	10	bank	bank	NOUN
easat-4852	313	11	profitability	profitability	NOUN
easat-4852	313	12	:	:	PUNCT
easat-4852	313	13	an	an	DET
easat-4852	313	14	investigation	investigation	NOUN
easat-4852	313	15	on	on	ADP
easat-4852	313	16	turkish	turkish	ADJ
easat-4852	313	17	banking	banking	NOUN
easat-4852	313	18	sector	sector	NOUN
easat-4852	313	19	,	,	PUNCT
easat-4852	313	20	"	"	PUNCT
easat-4852	313	21	öneri	öneri	NOUN
easat-4852	313	22	,	,	PUNCT
easat-4852	313	23	vol	vol	NOUN
easat-4852	313	24	.	.	PROPN
easat-4852	313	25	10	10	NUM
easat-4852	313	26	,	,	PUNCT
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easat-4852	313	28	.	.	NOUN
easat-4852	313	29	37	37	NUM
easat-4852	313	30	,	,	PUNCT
easat-4852	313	31	pp	pp	ADJ
easat-4852	313	32	.	.	PUNCT
easat-4852	314	1	103–110	103–110	NUM
easat-4852	314	2	,	,	PUNCT
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easat-4852	314	4	.	.	PUNCT
easat-4852	315	1	[	[	X
easat-4852	315	2	11	11	NUM
easat-4852	315	3	]	]	PUNCT
easat-4852	315	4	a.	a.	NOUN
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easat-4852	315	6	,	,	PUNCT
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easat-4852	315	8	t.	t.	PROPN
easat-4852	315	9	khan	khan	PROPN
easat-4852	315	10	,	,	PUNCT
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easat-4852	315	13	,	,	PUNCT
easat-4852	315	14	and	and	CCONJ
easat-4852	315	15	s.	s.	PROPN
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easat-4852	315	17	,	,	PUNCT
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easat-4852	315	21	bank	bank	NOUN
easat-4852	315	22	profitability	profitability	NOUN
easat-4852	315	23	in	in	ADP
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easat-4852	315	29	business	business	PROPN
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easat-4852	315	32	,	,	PUNCT
easat-4852	315	33	vol	vol	NOUN
easat-4852	315	34	.	.	PROPN
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easat-4852	315	36	,	,	PUNCT
easat-4852	315	37	no	no	INTJ
easat-4852	315	38	.	.	NOUN
easat-4852	315	39	1	1	NUM
easat-4852	315	40	,	,	PUNCT
easat-4852	315	41	pp	pp	ADJ
easat-4852	315	42	.	.	PUNCT
easat-4852	316	1	409	409	NUM
easat-4852	316	2	-	-	SYM
easat-4852	316	3	419	419	NUM
easat-4852	316	4	,	,	PUNCT
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easat-4852	316	6	.	.	PUNCT
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easat-4852	317	3	12	12	NUM
easat-4852	317	4	]	]	PUNCT
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easat-4852	317	7	,	,	PUNCT
easat-4852	317	8	"	"	PUNCT
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easat-4852	317	13	in	in	ADP
easat-4852	317	14	ukraine	ukraine	NOUN
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easat-4852	317	16	"	"	PUNCT
easat-4852	317	17	undergraduate	undergraduate	ADJ
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easat-4852	317	19	review	review	NOUN
easat-4852	317	20	,	,	PUNCT
easat-4852	317	21	vol	vol	NOUN
easat-4852	317	22	.	.	PROPN
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easat-4852	317	24	,	,	PUNCT
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easat-4852	317	26	.	.	NOUN
easat-4852	317	27	1	1	NUM
easat-4852	317	28	,	,	PUNCT
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easat-4852	317	30	2	2	NUM
easat-4852	317	31	,	,	PUNCT
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easat-4852	318	1	[	[	X
easat-4852	318	2	13	13	NUM
easat-4852	318	3	]	]	PUNCT
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easat-4852	318	5	m.	m.	PROPN
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easat-4852	318	7	,	,	PUNCT
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easat-4852	318	11	,	,	PUNCT
easat-4852	318	12	and	and	CCONJ
easat-4852	318	13	m.	m.	NOUN
easat-4852	318	14	a.	a.	PROPN
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easat-4852	318	36	,	,	PUNCT
easat-4852	318	37	vol	vol	NOUN
easat-4852	318	38	.	.	PROPN
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easat-4852	318	40	,	,	PUNCT
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easat-4852	318	42	.	.	NOUN
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easat-4852	318	44	,	,	PUNCT
easat-4852	318	45	p.	p.	NOUN
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easat-4852	318	47	,	,	PUNCT
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easat-4852	318	49	.	.	PUNCT
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easat-4852	319	10	http://dx.doi.org/10.5539/ijbm.v10n8p135	http://dx.doi.org/10.5539/ijbm.v10n8p135	PROPN
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easat-4852	320	5	2	2	NUM
easat-4852	320	6	:	:	PUNCT
easat-4852	320	7	1648	1648	NUM
easat-4852	320	8	-	-	SYM
easat-4852	320	9	1658	1658	NUM
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easat-4852	321	13	in	in	ADP
easat-4852	321	14	nigeria	nigeria	PROPN
easat-4852	321	15	,	,	PUNCT
easat-4852	321	16	"	"	PUNCT
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easat-4852	321	18	journal	journal	NOUN
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easat-4852	321	20	economics	economic	NOUN
easat-4852	321	21	and	and	CCONJ
easat-4852	321	22	finance	finance	NOUN
easat-4852	321	23	,	,	PUNCT
easat-4852	321	24	vol	vol	NOUN
easat-4852	321	25	.	.	PROPN
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easat-4852	321	27	,	,	PUNCT
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easat-4852	321	29	.	.	NOUN
easat-4852	321	30	12	12	NUM
easat-4852	321	31	,	,	PUNCT
easat-4852	321	32	pp	pp	ADJ
easat-4852	321	33	.	.	PUNCT
easat-4852	322	1	46	46	NUM
easat-4852	322	2	-	-	SYM
easat-4852	322	3	63	63	NUM
easat-4852	322	4	,	,	PUNCT
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easat-4852	322	6	.	.	PUNCT
easat-4852	323	1	[	[	X
easat-4852	323	2	15	15	X
easat-4852	323	3	]	]	X
easat-4852	323	4	t.	t.	PROPN
easat-4852	323	5	t.	t.	PROPN
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easat-4852	323	8	,	,	PUNCT
easat-4852	323	9	"	"	PUNCT
easat-4852	323	10	factors	factor	NOUN
easat-4852	323	11	affecting	affect	VERB
easat-4852	323	12	the	the	DET
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easat-4852	323	17	during	during	ADP
easat-4852	323	18	the	the	DET
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easat-4852	323	20	-	-	PUNCT
easat-4852	323	21	2020	2020	NUM
easat-4852	323	22	period	period	NOUN
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easat-4852	323	24	"	"	PUNCT
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easat-4852	323	27	,	,	PUNCT
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easat-4852	323	29	.	.	PUNCT
easat-4852	324	1	[	[	X
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easat-4852	324	8	"	"	PUNCT
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easat-4852	324	40	,	,	PUNCT
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easat-4852	324	42	.	.	PUNCT
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easat-4852	325	2	-	-	SYM
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easat-4852	327	8	,	,	PUNCT
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easat-4852	327	12	of	of	ADP
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easat-4852	327	15	of	of	ADP
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easat-4852	327	17	commercial	commercial	ADJ
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easat-4852	327	19	,	,	PUNCT
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easat-4852	327	22	and	and	CCONJ
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easat-4852	327	24	journal	journal	NOUN
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easat-4852	328	2	18	18	NUM
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easat-4852	328	8	t.	t.	PROPN
easat-4852	328	9	t.	t.	PROPN
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easat-4852	328	39	,	,	PUNCT
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easat-4852	328	41	.	.	PUNCT
easat-4852	329	1	116	116	NUM
easat-4852	329	2	-	-	SYM
easat-4852	329	3	132	132	NUM
easat-4852	329	4	,	,	PUNCT
easat-4852	329	5	2023	2023	NUM
easat-4852	329	6	.	.	PUNCT
easat-4852	330	1	https://doi.org/10.33301/2015.17.02.04	https://doi.org/10.33301/2015.17.02.04	PROPN
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easat-4852	330	9	t.	t.	PROPN
easat-4852	330	10	t.	t.	PROPN
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easat-4852	330	19	the	the	DET
easat-4852	330	20	net	net	ADJ
easat-4852	330	21	interest	interest	NOUN
easat-4852	330	22	margin	margin	NOUN
easat-4852	330	23	of	of	ADP
easat-4852	330	24	vietnamese	vietnamese	ADJ
easat-4852	330	25	commercial	commercial	ADJ
easat-4852	330	26	banks	bank	NOUN
easat-4852	330	27	,	,	PUNCT
easat-4852	330	28	"	"	PUNCT
easat-4852	330	29	journal	journal	NOUN
easat-4852	330	30	of	of	ADP
easat-4852	330	31	economics	economic	NOUN
easat-4852	330	32	and	and	CCONJ
easat-4852	330	33	business	business	NOUN
easat-4852	330	34	,	,	PUNCT
easat-4852	330	35	vol	vol	NOUN
easat-4852	330	36	.	.	PROPN
easat-4852	330	37	30	30	NUM
easat-4852	330	38	,	,	PUNCT
easat-4852	330	39	no	no	INTJ
easat-4852	330	40	.	.	NOUN
easat-4852	330	41	4	4	NUM
easat-4852	330	42	,	,	PUNCT
easat-4852	330	43	pp	pp	ADJ
easat-4852	330	44	.	.	PUNCT
easat-4852	331	1	55	55	NUM
easat-4852	331	2	-	-	SYM
easat-4852	331	3	65	65	NUM
easat-4852	331	4	,	,	PUNCT
easat-4852	331	5	2014	2014	NUM
easat-4852	331	6	.	.	PUNCT
easat-4852	332	1	[	[	X
easat-4852	332	2	20	20	NUM
easat-4852	332	3	]	]	X
easat-4852	332	4	d.	d.	PROPN
easat-4852	332	5	e.	e.	PROPN
easat-4852	332	6	farrar	farrar	PROPN
easat-4852	332	7	and	and	CCONJ
easat-4852	332	8	r.	r.	PROPN
easat-4852	332	9	r.	r.	PROPN
easat-4852	332	10	glauber	glauber	PROPN
easat-4852	332	11	,	,	PUNCT
easat-4852	332	12	"	"	PUNCT
easat-4852	332	13	multicollinearity	multicollinearity	NOUN
easat-4852	332	14	in	in	ADP
easat-4852	332	15	regression	regression	NOUN
easat-4852	332	16	analysis	analysis	NOUN
easat-4852	332	17	:	:	PUNCT
easat-4852	332	18	the	the	DET
easat-4852	332	19	problem	problem	NOUN
easat-4852	332	20	revisited	revisit	VERB
easat-4852	332	21	,	,	PUNCT
easat-4852	332	22	"	"	PUNCT
easat-4852	332	23	the	the	DET
easat-4852	332	24	review	review	NOUN
easat-4852	332	25	of	of	ADP
easat-4852	332	26	economics	economic	NOUN
easat-4852	332	27	and	and	CCONJ
easat-4852	332	28	statistics	statistic	NOUN
easat-4852	332	29	,	,	PUNCT
easat-4852	332	30	vol	vol	NOUN
easat-4852	332	31	.	.	PROPN
easat-4852	332	32	49	49	NUM
easat-4852	332	33	,	,	PUNCT
easat-4852	332	34	no	no	INTJ
easat-4852	332	35	.	.	NOUN
easat-4852	332	36	1	1	NUM
easat-4852	332	37	,	,	PUNCT
easat-4852	332	38	pp	pp	ADJ
easat-4852	332	39	.	.	PUNCT
easat-4852	333	1	92–107	92–107	NUM
easat-4852	333	2	,	,	PUNCT
easat-4852	333	3	1967	1967	NUM
easat-4852	333	4	.	.	PUNCT
easat-4852	334	1	https://doi.org/10.2307/1937887	https://doi.org/10.2307/1937887	X
easat-4852	335	1	[	[	X
easat-4852	335	2	21	21	NUM
easat-4852	335	3	]	]	X
easat-4852	335	4	d.	d.	PROPN
easat-4852	335	5	gujarati	gujarati	PROPN
easat-4852	335	6	,	,	PUNCT
easat-4852	335	7	basic	basic	ADJ
easat-4852	335	8	econometrics	econometric	NOUN
easat-4852	335	9	.	.	PUNCT
easat-4852	336	1	new	new	PROPN
easat-4852	336	2	york	york	PROPN
easat-4852	336	3	:	:	PUNCT
easat-4852	336	4	mcgraw	mcgraw	PROPN
easat-4852	336	5	-	-	PUNCT
easat-4852	336	6	hill	hill	NOUN
easat-4852	336	7	company	company	PROPN
easat-4852	336	8	,	,	PUNCT
easat-4852	336	9	inc	inc	PROPN
easat-4852	336	10	,	,	PUNCT
easat-4852	336	11	2003	2003	NUM
easat-4852	336	12	.	.	PUNCT
easat-4852	337	1	[	[	X
easat-4852	337	2	22	22	NUM
easat-4852	337	3	]	]	PUNCT
easat-4852	337	4	j.	j.	PROPN
easat-4852	337	5	a.	a.	PROPN
easat-4852	337	6	hausman	hausman	PROPN
easat-4852	337	7	,	,	PUNCT
easat-4852	337	8	"	"	PUNCT
easat-4852	337	9	specification	specification	NOUN
easat-4852	337	10	tests	test	NOUN
easat-4852	337	11	in	in	ADP
easat-4852	337	12	econometrics	econometric	NOUN
easat-4852	337	13	,	,	PUNCT
easat-4852	337	14	"	"	PUNCT
easat-4852	337	15	econometrica	econometrica	PROPN
easat-4852	337	16	:	:	PUNCT
easat-4852	337	17	journal	journal	NOUN
easat-4852	337	18	of	of	ADP
easat-4852	337	19	the	the	DET
easat-4852	337	20	econometric	econometric	ADJ
easat-4852	337	21	society	society	NOUN
easat-4852	337	22	,	,	PUNCT
easat-4852	337	23	vol	vol	NOUN
easat-4852	337	24	.	.	PROPN
easat-4852	337	25	46	46	NUM
easat-4852	337	26	,	,	PUNCT
easat-4852	337	27	no	no	INTJ
easat-4852	337	28	.	.	NOUN
easat-4852	337	29	6	6	NUM
easat-4852	337	30	,	,	PUNCT
easat-4852	337	31	pp	pp	ADJ
easat-4852	337	32	.	.	PUNCT
easat-4852	338	1	1251	1251	NUM
easat-4852	338	2	-	-	SYM
easat-4852	338	3	1271	1271	NUM
easat-4852	338	4	,	,	PUNCT
easat-4852	338	5	1978	1978	NUM
easat-4852	338	6	.	.	PUNCT
easat-4852	338	7	https://doi.org/10.2307/1913827	https://doi.org/10.2307/1913827	X
easat-4852	339	1	[	[	X
easat-4852	339	2	23	23	NUM
easat-4852	339	3	]	]	PUNCT
easat-4852	339	4	j.	j.	PROPN
easat-4852	339	5	m.	m.	PROPN
easat-4852	339	6	wooldridge	wooldridge	PROPN
easat-4852	339	7	,	,	PUNCT
easat-4852	339	8	"	"	PUNCT
easat-4852	339	9	on	on	ADP
easat-4852	339	10	the	the	DET
easat-4852	339	11	application	application	NOUN
easat-4852	339	12	of	of	ADP
easat-4852	339	13	robust	robust	ADJ
easat-4852	339	14	,	,	PUNCT
easat-4852	339	15	regression	regression	NOUN
easat-4852	339	16	-	-	PUNCT
easat-4852	339	17	based	base	VERB
easat-4852	339	18	diagnostics	diagnostic	NOUN
easat-4852	339	19	to	to	ADP
easat-4852	339	20	models	model	NOUN
easat-4852	339	21	of	of	ADP
easat-4852	339	22	conditional	conditional	ADJ
easat-4852	339	23	means	mean	NOUN
easat-4852	339	24	and	and	CCONJ
easat-4852	339	25	conditional	conditional	ADJ
easat-4852	339	26	variances	variance	NOUN
easat-4852	339	27	,	,	PUNCT
easat-4852	339	28	"	"	PUNCT
easat-4852	339	29	journal	journal	NOUN
easat-4852	339	30	of	of	ADP
easat-4852	339	31	econometrics	econometric	NOUN
easat-4852	339	32	,	,	PUNCT
easat-4852	339	33	vol	vol	NOUN
easat-4852	339	34	.	.	PROPN
easat-4852	340	1	47	47	NUM
easat-4852	340	2	,	,	PUNCT
easat-4852	340	3	no	no	INTJ
easat-4852	340	4	.	.	NOUN
easat-4852	340	5	1	1	NUM
easat-4852	340	6	,	,	PUNCT
easat-4852	340	7	pp	pp	ADJ
easat-4852	340	8	.	.	PUNCT
easat-4852	341	1	5	5	NUM
easat-4852	341	2	-	-	SYM
easat-4852	341	3	46	46	NUM
easat-4852	341	4	,	,	PUNCT
easat-4852	341	5	1991	1991	NUM
easat-4852	341	6	.	.	PUNCT
easat-4852	342	1	https://doi.org/10.1016/03044076(91)90076-p	https://doi.org/10.1016/03044076(91)90076-p	PROPN
easat-4852	343	1	[	[	X
easat-4852	343	2	24	24	NUM
easat-4852	343	3	]	]	PUNCT
easat-4852	343	4	a.	a.	NOUN
easat-4852	343	5	c.	c.	PROPN
easat-4852	343	6	aitken	aitken	PROPN
easat-4852	343	7	,	,	PUNCT
easat-4852	343	8	"	"	PUNCT
easat-4852	343	9	iv.—on	iv.—on	NOUN
easat-4852	343	10	least	least	ADJ
easat-4852	343	11	squares	square	NOUN
easat-4852	343	12	and	and	CCONJ
easat-4852	343	13	linear	linear	ADJ
easat-4852	343	14	combination	combination	NOUN
easat-4852	343	15	of	of	ADP
easat-4852	343	16	observations	observation	NOUN
easat-4852	343	17	,	,	PUNCT
easat-4852	343	18	"	"	PUNCT
easat-4852	343	19	proceedings	proceeding	NOUN
easat-4852	343	20	of	of	ADP
easat-4852	343	21	the	the	DET
easat-4852	343	22	royal	royal	ADJ
easat-4852	343	23	society	society	NOUN
easat-4852	343	24	of	of	ADP
easat-4852	343	25	edinburgh	edinburgh	PROPN
easat-4852	343	26	,	,	PUNCT
easat-4852	343	27	vol	vol	NOUN
easat-4852	343	28	.	.	PROPN
easat-4852	343	29	55	55	NUM
easat-4852	343	30	,	,	PUNCT
easat-4852	343	31	pp	pp	ADJ
easat-4852	343	32	.	.	PUNCT
easat-4852	344	1	42	42	NUM
easat-4852	344	2	-	-	SYM
easat-4852	344	3	48	48	NUM
easat-4852	344	4	,	,	PUNCT
easat-4852	344	5	1936	1936	NUM
easat-4852	344	6	.	.	PUNCT
easat-4852	345	1	[	[	X
easat-4852	345	2	25	25	NUM
easat-4852	345	3	]	]	PUNCT
easat-4852	345	4	j.	j.	PROPN
easat-4852	345	5	p.	p.	PROPN
easat-4852	345	6	hughes	hughes	PROPN
easat-4852	345	7	,	,	PUNCT
easat-4852	345	8	l.	l.	PROPN
easat-4852	345	9	j.	j.	PROPN
easat-4852	345	10	mester	mester	PROPN
easat-4852	345	11	,	,	PUNCT
easat-4852	345	12	and	and	CCONJ
easat-4852	345	13	c.-g	c.-g	PROPN
easat-4852	345	14	.	.	PUNCT
easat-4852	346	1	moon	moon	NOUN
easat-4852	346	2	,	,	PUNCT
easat-4852	346	3	"	"	PUNCT
easat-4852	346	4	are	be	AUX
easat-4852	346	5	scale	scale	NOUN
easat-4852	346	6	economies	economy	NOUN
easat-4852	346	7	in	in	ADP
easat-4852	346	8	banking	banking	NOUN
easat-4852	346	9	elusive	elusive	ADJ
easat-4852	346	10	or	or	CCONJ
easat-4852	346	11	illusive	illusive	ADJ
easat-4852	346	12	?	?	PUNCT
easat-4852	346	13	:	:	PUNCT
easat-4852	347	1	evidence	evidence	NOUN
easat-4852	347	2	obtained	obtain	VERB
easat-4852	347	3	by	by	ADP
easat-4852	347	4	incorporating	incorporate	VERB
easat-4852	347	5	capital	capital	NOUN
easat-4852	347	6	structure	structure	NOUN
easat-4852	347	7	and	and	CCONJ
easat-4852	347	8	risk	risk	NOUN
easat-4852	347	9	-	-	PUNCT
easat-4852	347	10	taking	taking	NOUN
easat-4852	347	11	into	into	ADP
easat-4852	347	12	models	model	NOUN
easat-4852	347	13	of	of	ADP
easat-4852	347	14	bank	bank	NOUN
easat-4852	347	15	production	production	NOUN
easat-4852	347	16	,	,	PUNCT
easat-4852	347	17	"	"	PUNCT
easat-4852	347	18	journal	journal	NOUN
easat-4852	347	19	of	of	ADP
easat-4852	347	20	banking	banking	NOUN
easat-4852	347	21	&	&	CCONJ
easat-4852	347	22	finance	finance	PROPN
easat-4852	347	23	,	,	PUNCT
easat-4852	347	24	vol	vol	NOUN
easat-4852	347	25	.	.	PROPN
easat-4852	347	26	25	25	NUM
easat-4852	347	27	,	,	PUNCT
easat-4852	347	28	no	no	INTJ
easat-4852	347	29	.	.	NOUN
easat-4852	347	30	12	12	NUM
easat-4852	347	31	,	,	PUNCT
easat-4852	347	32	pp	pp	ADJ
easat-4852	347	33	.	.	PUNCT
easat-4852	348	1	2169	2169	NUM
easat-4852	348	2	-	-	SYM
easat-4852	348	3	2208	2208	NUM
easat-4852	348	4	,	,	PUNCT
easat-4852	348	5	2001	2001	NUM
easat-4852	348	6	.	.	PUNCT
easat-4852	349	1	https://doi.org/10.1016/s0378-4266(01)00190-x	https://doi.org/10.1016/s0378-4266(01)00190-x	NOUN
easat-4852	349	2	appendices	appendice	VERB
easat-4852	349	3	:	:	PUNCT
easat-4852	349	4	sample	sample	NOUN
easat-4852	349	5	banks	bank	NOUN
easat-4852	349	6	.	.	PUNCT
easat-4852	350	1	no	no	INTJ
easat-4852	350	2	.	.	PUNCT
easat-4852	351	1	bank	bank	NOUN
easat-4852	351	2	name	name	NOUN
easat-4852	351	3	1	1	NUM
easat-4852	351	4	vietnam	vietnam	PROPN
easat-4852	351	5	joint	joint	ADJ
easat-4852	351	6	stock	stock	NOUN
easat-4852	351	7	commercial	commercial	ADJ
easat-4852	351	8	bank	bank	PROPN
easat-4852	351	9	for	for	ADP
easat-4852	351	10	industry	industry	NOUN
easat-4852	351	11	and	and	CCONJ
easat-4852	351	12	trade	trade	NOUN
easat-4852	351	13	(	(	PUNCT
easat-4852	351	14	vietinbank	vietinbank	NOUN
easat-4852	351	15	)	)	PUNCT
easat-4852	351	16	2	2	NUM
easat-4852	351	17	joint	joint	ADJ
easat-4852	351	18	stock	stock	NOUN
easat-4852	351	19	commercial	commercial	ADJ
easat-4852	351	20	bank	bank	NOUN
easat-4852	351	21	for	for	ADP
easat-4852	351	22	investment	investment	NOUN
easat-4852	351	23	and	and	CCONJ
easat-4852	351	24	development	development	NOUN
easat-4852	351	25	of	of	ADP
easat-4852	351	26	vietnam	vietnam	PROPN
easat-4852	351	27	(	(	PUNCT
easat-4852	351	28	bidv	bidv	PROPN
easat-4852	351	29	)	)	PUNCT
easat-4852	351	30	3	3	NUM
easat-4852	351	31	joint	joint	ADJ
easat-4852	351	32	stock	stock	NOUN
easat-4852	351	33	commercial	commercial	ADJ
easat-4852	351	34	bank	bank	NOUN
easat-4852	351	35	for	for	ADP
easat-4852	351	36	foreign	foreign	ADJ
easat-4852	351	37	trade	trade	NOUN
easat-4852	351	38	of	of	ADP
easat-4852	351	39	vietnam	vietnam	PROPN
easat-4852	351	40	(	(	PUNCT
easat-4852	351	41	vcb	vcb	PROPN
easat-4852	351	42	)	)	PUNCT
easat-4852	351	43	4	4	NUM
easat-4852	351	44	vietnam	vietnam	PROPN
easat-4852	351	45	bank	bank	PROPN
easat-4852	351	46	for	for	ADP
easat-4852	351	47	agriculture	agriculture	NOUN
easat-4852	351	48	and	and	CCONJ
easat-4852	351	49	rural	rural	ADJ
easat-4852	351	50	development	development	NOUN
easat-4852	351	51	(	(	PUNCT
easat-4852	351	52	agribank	agribank	NOUN
easat-4852	351	53	)	)	PUNCT
easat-4852	351	54	5	5	NUM
easat-4852	351	55	vietnam	vietnam	NOUN
easat-4852	351	56	prosperity	prosperity	NOUN
easat-4852	351	57	joint	joint	ADJ
easat-4852	351	58	stock	stock	NOUN
easat-4852	351	59	commercial	commercial	PROPN
easat-4852	351	60	bank	bank	PROPN
easat-4852	351	61	(	(	PUNCT
easat-4852	351	62	vpbank	vpbank	PROPN
easat-4852	351	63	)	)	PUNCT
easat-4852	351	64	6	6	NUM
easat-4852	351	65	military	military	ADJ
easat-4852	351	66	commercial	commercial	ADJ
easat-4852	351	67	joint	joint	ADJ
easat-4852	351	68	stock	stock	NOUN
easat-4852	351	69	bank	bank	NOUN
easat-4852	351	70	(	(	PUNCT
easat-4852	351	71	mb	mb	PROPN
easat-4852	351	72	bank	bank	PROPN
easat-4852	351	73	)	)	PUNCT
easat-4852	351	74	7	7	NUM
easat-4852	351	75	asia	asia	PROPN
easat-4852	351	76	commercial	commercial	PROPN
easat-4852	351	77	bank	bank	PROPN
easat-4852	351	78	(	(	PUNCT
easat-4852	351	79	acb	acb	PROPN
easat-4852	351	80	)	)	PUNCT
easat-4852	351	81	8	8	NUM
easat-4852	351	82	saigon	saigon	PROPN
easat-4852	351	83	hanoi	hanoi	PROPN
easat-4852	351	84	commercial	commercial	ADJ
easat-4852	351	85	joint	joint	PROPN
easat-4852	351	86	stock	stock	PROPN
easat-4852	351	87	bank	bank	PROPN
easat-4852	351	88	(	(	PUNCT
easat-4852	351	89	shb	shb	PROPN
easat-4852	351	90	)	)	PUNCT
easat-4852	351	91	9	9	NUM
easat-4852	351	92	vietnam	vietnam	NOUN
easat-4852	351	93	technological	technological	ADJ
easat-4852	351	94	and	and	CCONJ
easat-4852	351	95	commercial	commercial	ADJ
easat-4852	351	96	joint	joint	ADJ
easat-4852	351	97	stock	stock	NOUN
easat-4852	351	98	bank	bank	PROPN
easat-4852	351	99	(	(	PUNCT
easat-4852	351	100	techcombank	techcombank	PROPN
easat-4852	351	101	)	)	PUNCT
easat-4852	351	102	https://doi.org/10.52714/dthu.12.1.2023.1015	https://doi.org/10.52714/dthu.12.1.2023.1015	PROPN
easat-4852	351	103	https://doi.org/10.33301/2015.17.02.04	https://doi.org/10.33301/2015.17.02.04	PROPN
easat-4852	351	104	https://doi.org/10.2307/1937887	https://doi.org/10.2307/1937887	X
easat-4852	351	105	https://doi.org/10.2307/1913827	https://doi.org/10.2307/1913827	INTJ
easat-4852	352	1	https://doi.org/10.1016/0304-4076(91)90076-p	https://doi.org/10.1016/0304-4076(91)90076-p	PROPN
easat-4852	352	2	https://doi.org/10.1016/0304-4076(91)90076-p	https://doi.org/10.1016/0304-4076(91)90076-p	PROPN
easat-4852	353	1	https://doi.org/10.1016/s0378-4266(01)00190-x	https://doi.org/10.1016/s0378-4266(01)00190-x	NOUN