id	sid	tid	token	lemma	pos
easat-6185	1	1	edelweiss	edelweiss	PROPN
easat-6185	1	2	applied	apply	VERB
easat-6185	1	3	science	science	NOUN
easat-6185	1	4	and	and	CCONJ
easat-6185	1	5	technology	technology	NOUN
easat-6185	1	6	issn	issn	PROPN
easat-6185	1	7	:	:	PUNCT
easat-6185	1	8	2576	2576	NUM
easat-6185	1	9	-	-	SYM
easat-6185	1	10	8484	8484	NUM
easat-6185	1	11	vol	vol	NOUN
easat-6185	1	12	.	.	PROPN
easat-6185	2	1	9	9	NUM
easat-6185	2	2	,	,	PUNCT
easat-6185	2	3	no	no	INTJ
easat-6185	2	4	.	.	NOUN
easat-6185	2	5	4	4	NUM
easat-6185	2	6	,	,	PUNCT
easat-6185	2	7	1120	1120	NUM
easat-6185	2	8	-	-	SYM
easat-6185	2	9	1130	1130	NUM
easat-6185	2	10	2025	2025	NUM
easat-6185	2	11	publisher	publisher	NOUN
easat-6185	2	12	:	:	PUNCT
easat-6185	2	13	learning	learn	VERB
easat-6185	2	14	gate	gate	NOUN
easat-6185	2	15	doi	doi	PROPN
easat-6185	2	16	:	:	PUNCT
easat-6185	2	17	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	2	18	©	©	PROPN
easat-6185	2	19	2025	2025	NUM
easat-6185	2	20	by	by	ADP
easat-6185	2	21	the	the	DET
easat-6185	2	22	authors	author	NOUN
easat-6185	2	23	;	;	PUNCT
easat-6185	2	24	licensee	licensee	PROPN
easat-6185	2	25	learning	learning	NOUN
easat-6185	2	26	gate	gate	NOUN
easat-6185	3	1	©	©	PROPN
easat-6185	3	2	2025	2025	NUM
easat-6185	3	3	by	by	ADP
easat-6185	3	4	the	the	DET
easat-6185	3	5	authors	author	NOUN
easat-6185	3	6	;	;	PUNCT
easat-6185	3	7	licensee	licensee	PROPN
easat-6185	3	8	learning	learning	NOUN
easat-6185	3	9	gate	gate	NOUN
easat-6185	3	10	history	history	NOUN
easat-6185	3	11	:	:	PUNCT
easat-6185	3	12	received	receive	VERB
easat-6185	3	13	:	:	PUNCT
easat-6185	3	14	3	3	NUM
easat-6185	3	15	february	february	NOUN
easat-6185	3	16	2025	2025	NUM
easat-6185	3	17	;	;	PUNCT
easat-6185	3	18	revised	revise	VERB
easat-6185	3	19	:	:	PUNCT
easat-6185	3	20	10	10	NUM
easat-6185	3	21	march	march	NOUN
easat-6185	3	22	2025	2025	NUM
easat-6185	3	23	;	;	PUNCT
easat-6185	3	24	accepted	accept	VERB
easat-6185	3	25	:	:	PUNCT
easat-6185	3	26	14	14	NUM
easat-6185	3	27	march	march	NOUN
easat-6185	3	28	2025	2025	NUM
easat-6185	3	29	;	;	PUNCT
easat-6185	3	30	published	publish	VERB
easat-6185	3	31	:	:	PUNCT
easat-6185	3	32	12	12	NUM
easat-6185	3	33	april	april	PROPN
easat-6185	3	34	2025	2025	NUM
easat-6185	3	35	*	*	PUNCT
easat-6185	3	36	correspondence	correspondence	NOUN
easat-6185	3	37	:	:	PUNCT
easat-6185	3	38	phamtuananh@tmu.edu.vn	phamtuananh@tmu.edu.vn	VERB
easat-6185	3	39	the	the	DET
easat-6185	3	40	impact	impact	NOUN
easat-6185	3	41	of	of	ADP
easat-6185	3	42	income	income	NOUN
easat-6185	3	43	diversification	diversification	NOUN
easat-6185	3	44	on	on	ADP
easat-6185	3	45	non	non	ADJ
easat-6185	3	46	-	-	ADJ
easat-6185	3	47	performing	performing	ADJ
easat-6185	3	48	loans	loan	NOUN
easat-6185	3	49	of	of	ADP
easat-6185	3	50	commercial	commercial	ADJ
easat-6185	3	51	banks	bank	NOUN
easat-6185	3	52	:	:	PUNCT
easat-6185	3	53	empirical	empirical	ADJ
easat-6185	3	54	evidence	evidence	NOUN
easat-6185	3	55	from	from	ADP
easat-6185	3	56	southeast	southeast	PROPN
easat-6185	3	57	asia	asia	PROPN
easat-6185	3	58	vu	vu	PROPN
easat-6185	3	59	xuan	xuan	PROPN
easat-6185	3	60	thuy1	thuy1	PROPN
easat-6185	3	61	,	,	PUNCT
easat-6185	3	62	dinh	dinh	PROPN
easat-6185	3	63	van	van	PROPN
easat-6185	3	64	son2	son2	PROPN
easat-6185	3	65	,	,	PUNCT
easat-6185	3	66	ma	ma	PROPN
easat-6185	3	67	ngo	ngo	PROPN
easat-6185	3	68	thuy	thuy	PROPN
easat-6185	3	69	dung3	dung3	PROPN
easat-6185	3	70	,	,	PUNCT
easat-6185	3	71	pham	pham	PROPN
easat-6185	3	72	tuan	tuan	PROPN
easat-6185	3	73	anh4	anh4	PROPN
easat-6185	3	74	*	*	PROPN
easat-6185	3	75	1,3,4faculty	1,3,4faculty	PROPN
easat-6185	3	76	of	of	ADP
easat-6185	3	77	finance	finance	NOUN
easat-6185	3	78	banking	banking	NOUN
easat-6185	3	79	,	,	PUNCT
easat-6185	3	80	thuongmai	thuongmai	NOUN
easat-6185	3	81	university	university	PROPN
easat-6185	3	82	,	,	PUNCT
easat-6185	3	83	vietnam	vietnam	PROPN
easat-6185	3	84	;	;	PUNCT
easat-6185	3	85	vuthuy2607@tmu.edu.vn	vuthuy2607@tmu.edu.vn	NUM
easat-6185	3	86	(	(	PUNCT
easat-6185	3	87	v.x.t	v.x.t	PROPN
easat-6185	3	88	.	.	PUNCT
easat-6185	3	89	)	)	PUNCT
easat-6185	4	1	ngothuydung@tmu.edu.vn	ngothuydung@tmu.edu.vn	NOUN
easat-6185	4	2	(	(	PUNCT
easat-6185	4	3	m.n.t.d	m.n.t.d	PROPN
easat-6185	4	4	.	.	PUNCT
easat-6185	4	5	)	)	PUNCT
easat-6185	5	1	phamtuananh@tmu.edu.vn	phamtuananh@tmu.edu.vn	NOUN
easat-6185	5	2	(	(	PUNCT
easat-6185	5	3	p.t.a	p.t.a	NOUN
easat-6185	5	4	.	.	PUNCT
easat-6185	5	5	)	)	PUNCT
easat-6185	5	6	.	.	PUNCT
easat-6185	6	1	2journal	2journal	NUM
easat-6185	6	2	of	of	ADP
easat-6185	6	3	trade	trade	NOUN
easat-6185	6	4	science	science	NOUN
easat-6185	6	5	,	,	PUNCT
easat-6185	6	6	editor	editor	NOUN
easat-6185	6	7	in	in	ADP
easat-6185	6	8	chief	chief	NOUN
easat-6185	6	9	,	,	PUNCT
easat-6185	6	10	thuongmai	thuongmai	NOUN
easat-6185	6	11	university	university	PROPN
easat-6185	6	12	,	,	PUNCT
easat-6185	6	13	vietnam	vietnam	PROPN
easat-6185	6	14	;	;	PUNCT
easat-6185	6	15	dvson@tmu.edu.vn	dvson@tmu.edu.vn	NOUN
easat-6185	6	16	(	(	PUNCT
easat-6185	6	17	d.v.s	d.v.s	NOUN
easat-6185	6	18	.	.	PUNCT
easat-6185	6	19	)	)	PUNCT
easat-6185	6	20	.	.	PUNCT
easat-6185	7	1	abstract	abstract	ADV
easat-6185	7	2	:	:	PUNCT
easat-6185	7	3	this	this	DET
easat-6185	7	4	study	study	NOUN
easat-6185	7	5	investigates	investigate	VERB
easat-6185	7	6	the	the	DET
easat-6185	7	7	determinants	determinant	NOUN
easat-6185	7	8	of	of	ADP
easat-6185	7	9	the	the	DET
easat-6185	7	10	non	non	ADJ
easat-6185	7	11	-	-	ADJ
easat-6185	7	12	performing	performing	ADJ
easat-6185	7	13	loan	loan	NOUN
easat-6185	7	14	(	(	PUNCT
easat-6185	7	15	npl	npl	NOUN
easat-6185	7	16	)	)	PUNCT
easat-6185	7	17	ratio	ratio	NOUN
easat-6185	7	18	(	(	PUNCT
easat-6185	7	19	bdr	bdr	PROPN
easat-6185	7	20	)	)	PUNCT
easat-6185	7	21	in	in	ADP
easat-6185	7	22	65	65	NUM
easat-6185	7	23	listed	list	VERB
easat-6185	7	24	commercial	commercial	ADJ
easat-6185	7	25	banks	bank	NOUN
easat-6185	7	26	in	in	ADP
easat-6185	7	27	southeast	southeast	PROPN
easat-6185	7	28	asia	asia	PROPN
easat-6185	7	29	from	from	ADP
easat-6185	7	30	2016	2016	NUM
easat-6185	7	31	to	to	ADP
easat-6185	7	32	2023	2023	NUM
easat-6185	7	33	,	,	PUNCT
easat-6185	7	34	using	use	VERB
easat-6185	7	35	fixed	fix	VERB
easat-6185	7	36	-	-	PUNCT
easat-6185	7	37	effects	effect	NOUN
easat-6185	7	38	panel	panel	NOUN
easat-6185	7	39	regression	regression	VERB
easat-6185	7	40	with	with	ADP
easat-6185	7	41	robust	robust	ADJ
easat-6185	7	42	standard	standard	ADJ
easat-6185	7	43	errors	error	NOUN
easat-6185	7	44	to	to	PART
easat-6185	7	45	analyze	analyze	VERB
easat-6185	7	46	440	440	NUM
easat-6185	7	47	observations	observation	NOUN
easat-6185	7	48	.	.	PUNCT
easat-6185	8	1	data	datum	NOUN
easat-6185	8	2	are	be	AUX
easat-6185	8	3	taken	take	VERB
easat-6185	8	4	from	from	ADP
easat-6185	8	5	annual	annual	ADJ
easat-6185	8	6	financial	financial	ADJ
easat-6185	8	7	reports	report	NOUN
easat-6185	8	8	.	.	PUNCT
easat-6185	9	1	the	the	DET
easat-6185	9	2	results	result	NOUN
easat-6185	9	3	show	show	VERB
easat-6185	9	4	that	that	SCONJ
easat-6185	9	5	higher	high	ADJ
easat-6185	9	6	income	income	NOUN
easat-6185	9	7	diversification	diversification	NOUN
easat-6185	9	8	(	(	PUNCT
easat-6185	9	9	ind	ind	NOUN
easat-6185	9	10	)	)	PUNCT
easat-6185	9	11	,	,	PUNCT
easat-6185	9	12	measured	measure	VERB
easat-6185	9	13	by	by	ADP
easat-6185	9	14	the	the	DET
easat-6185	9	15	herfindahl	herfindahl	NOUN
easat-6185	9	16	-	-	PUNCT
easat-6185	9	17	hirschman	hirschman	NOUN
easat-6185	9	18	index	index	NOUN
easat-6185	9	19	,	,	PUNCT
easat-6185	9	20	unexpectedly	unexpectedly	ADV
easat-6185	9	21	leads	lead	VERB
easat-6185	9	22	to	to	ADP
easat-6185	9	23	a	a	DET
easat-6185	9	24	statistically	statistically	ADV
easat-6185	9	25	significant	significant	ADJ
easat-6185	9	26	increase	increase	NOUN
easat-6185	9	27	in	in	ADP
easat-6185	9	28	bdr	bdr	PROPN
easat-6185	9	29	(	(	PUNCT
easat-6185	9	30	coefficient	coefficient	NOUN
easat-6185	9	31	:	:	PUNCT
easat-6185	9	32	0.0275	0.0275	NUM
easat-6185	9	33	,	,	PUNCT
easat-6185	9	34	p	p	X
easat-6185	9	35	<	<	X
easat-6185	9	36	0.05	0.05	NUM
easat-6185	9	37	)	)	PUNCT
easat-6185	9	38	.	.	PUNCT
easat-6185	10	1	the	the	DET
easat-6185	10	2	covid-19	covid-19	PROPN
easat-6185	10	3	pandemic	pandemic	NOUN
easat-6185	10	4	also	also	ADV
easat-6185	10	5	significantly	significantly	ADV
easat-6185	10	6	increases	increase	VERB
easat-6185	10	7	bdr	bdr	PROPN
easat-6185	10	8	(	(	PUNCT
easat-6185	10	9	coefficient	coefficient	NOUN
easat-6185	10	10	:	:	PUNCT
easat-6185	10	11	0.0033	0.0033	NUM
easat-6185	10	12	,	,	PUNCT
easat-6185	10	13	p	p	X
easat-6185	10	14	<	<	X
easat-6185	10	15	0.01	0.01	NUM
easat-6185	10	16	)	)	PUNCT
easat-6185	10	17	.	.	PUNCT
easat-6185	11	1	in	in	ADP
easat-6185	11	2	contrast	contrast	NOUN
easat-6185	11	3	,	,	PUNCT
easat-6185	11	4	a	a	DET
easat-6185	11	5	higher	high	ADJ
easat-6185	11	6	capital	capital	NOUN
easat-6185	11	7	adequacy	adequacy	NOUN
easat-6185	11	8	ratio	ratio	NOUN
easat-6185	11	9	(	(	PUNCT
easat-6185	11	10	car	car	NOUN
easat-6185	11	11	)	)	PUNCT
easat-6185	11	12	significantly	significantly	ADV
easat-6185	11	13	reduces	reduce	VERB
easat-6185	11	14	bdr	bdr	PROPN
easat-6185	11	15	(	(	PUNCT
easat-6185	11	16	coefficient	coefficient	NOUN
easat-6185	11	17	:	:	PUNCT
easat-6185	11	18	-0.0013	-0.0013	ADJ
easat-6185	11	19	,	,	PUNCT
easat-6185	11	20	p	p	X
easat-6185	11	21	<	<	X
easat-6185	11	22	0.01	0.01	NUM
easat-6185	11	23	)	)	PUNCT
easat-6185	11	24	.	.	PUNCT
easat-6185	12	1	lagged	lag	VERB
easat-6185	12	2	bdr	bdr	PROPN
easat-6185	12	3	also	also	ADV
easat-6185	12	4	positively	positively	ADV
easat-6185	12	5	affects	affect	VERB
easat-6185	12	6	current	current	ADJ
easat-6185	12	7	bdr	bdr	NOUN
easat-6185	12	8	(	(	PUNCT
easat-6185	12	9	coefficient	coefficient	NOUN
easat-6185	12	10	:	:	PUNCT
easat-6185	12	11	0.1659	0.1659	NUM
easat-6185	12	12	,	,	PUNCT
easat-6185	12	13	p	p	X
easat-6185	12	14	<	<	X
easat-6185	12	15	0.05	0.05	NUM
easat-6185	12	16	)	)	PUNCT
easat-6185	12	17	,	,	PUNCT
easat-6185	12	18	highlighting	highlight	VERB
easat-6185	12	19	the	the	DET
easat-6185	12	20	persistence	persistence	NOUN
easat-6185	12	21	of	of	ADP
easat-6185	12	22	npl	npl	NOUN
easat-6185	12	23	.	.	PUNCT
easat-6185	13	1	surprisingly	surprisingly	ADV
easat-6185	13	2	,	,	PUNCT
easat-6185	13	3	the	the	DET
easat-6185	13	4	non	non	ADJ
easat-6185	13	5	-	-	ADJ
easat-6185	13	6	interest	interest	ADJ
easat-6185	13	7	income	income	NOUN
easat-6185	13	8	ratio	ratio	NOUN
easat-6185	13	9	(	(	PUNCT
easat-6185	13	10	nir	nir	NOUN
easat-6185	13	11	)	)	PUNCT
easat-6185	13	12	,	,	PUNCT
easat-6185	13	13	loan	loan	NOUN
easat-6185	13	14	-	-	PUNCT
easat-6185	13	15	to	to	ADP
easat-6185	13	16	-	-	PUNCT
easat-6185	13	17	asset	asset	NOUN
easat-6185	13	18	ratio	ratio	NOUN
easat-6185	13	19	,	,	PUNCT
easat-6185	13	20	cost	cost	NOUN
easat-6185	13	21	-	-	PUNCT
easat-6185	13	22	to	to	ADP
easat-6185	13	23	-	-	PUNCT
easat-6185	13	24	income	income	NOUN
easat-6185	13	25	ratio	ratio	NOUN
easat-6185	13	26	,	,	PUNCT
easat-6185	13	27	and	and	CCONJ
easat-6185	13	28	deposit	deposit	NOUN
easat-6185	13	29	-	-	PUNCT
easat-6185	13	30	to	to	ADP
easat-6185	13	31	-	-	PUNCT
easat-6185	13	32	asset	asset	NOUN
easat-6185	13	33	ratio	ratio	NOUN
easat-6185	13	34	do	do	AUX
easat-6185	13	35	not	not	PART
easat-6185	13	36	significantly	significantly	ADV
easat-6185	13	37	affect	affect	VERB
easat-6185	13	38	bdr	bdr	PROPN
easat-6185	13	39	.	.	PUNCT
easat-6185	14	1	the	the	DET
easat-6185	14	2	findings	finding	NOUN
easat-6185	14	3	have	have	VERB
easat-6185	14	4	important	important	ADJ
easat-6185	14	5	implications	implication	NOUN
easat-6185	14	6	for	for	ADP
easat-6185	14	7	southeast	southeast	ADJ
easat-6185	14	8	asian	asian	PROPN
easat-6185	14	9	bank	bank	PROPN
easat-6185	14	10	regulators	regulator	NOUN
easat-6185	14	11	and	and	CCONJ
easat-6185	14	12	policymakers	policymaker	NOUN
easat-6185	14	13	,	,	PUNCT
easat-6185	14	14	who	who	PRON
easat-6185	14	15	should	should	AUX
easat-6185	14	16	focus	focus	VERB
easat-6185	14	17	on	on	ADP
easat-6185	14	18	sustainable	sustainable	ADJ
easat-6185	14	19	income	income	NOUN
easat-6185	14	20	diversification	diversification	NOUN
easat-6185	14	21	rather	rather	ADV
easat-6185	14	22	than	than	ADP
easat-6185	14	23	rapid	rapid	ADJ
easat-6185	14	24	expansion	expansion	NOUN
easat-6185	14	25	,	,	PUNCT
easat-6185	14	26	as	as	ADP
easat-6185	14	27	crucial	crucial	ADJ
easat-6185	14	28	for	for	ADP
easat-6185	14	29	long	long	ADJ
easat-6185	14	30	-	-	PUNCT
easat-6185	14	31	term	term	NOUN
easat-6185	14	32	stability	stability	NOUN
easat-6185	14	33	.	.	PUNCT
easat-6185	15	1	keywords	keyword	NOUN
easat-6185	15	2	:	:	PUNCT
easat-6185	15	3	capital	capital	NOUN
easat-6185	15	4	adequacy	adequacy	NOUN
easat-6185	15	5	ratio	ratio	NOUN
easat-6185	15	6	,	,	PUNCT
easat-6185	15	7	fem	fem	NOUN
easat-6185	15	8	robust	robust	ADJ
easat-6185	15	9	standard	standard	ADJ
easat-6185	15	10	errors	error	NOUN
easat-6185	15	11	,	,	PUNCT
easat-6185	15	12	income	income	NOUN
easat-6185	15	13	diversification	diversification	NOUN
easat-6185	15	14	,	,	PUNCT
easat-6185	15	15	non	non	ADJ
easat-6185	15	16	-	-	ADJ
easat-6185	15	17	performing	perform	VERB
easat-6185	15	18	loans	loan	NOUN
easat-6185	15	19	.	.	PUNCT
easat-6185	16	1	1	1	X
easat-6185	16	2	.	.	X
easat-6185	16	3	introduction	introduction	NOUN
easat-6185	16	4	the	the	DET
easat-6185	16	5	covid-19	covid-19	PROPN
easat-6185	16	6	pandemic	pandemic	NOUN
easat-6185	16	7	significantly	significantly	ADV
easat-6185	16	8	impacted	impact	VERB
easat-6185	16	9	the	the	DET
easat-6185	16	10	global	global	ADJ
easat-6185	16	11	financial	financial	ADJ
easat-6185	16	12	landscape	landscape	NOUN
easat-6185	16	13	,	,	PUNCT
easat-6185	16	14	highlighting	highlight	VERB
easat-6185	16	15	the	the	DET
easat-6185	16	16	vulnerability	vulnerability	NOUN
easat-6185	16	17	of	of	ADP
easat-6185	16	18	commercial	commercial	ADJ
easat-6185	16	19	banks	bank	NOUN
easat-6185	16	20	in	in	ADP
easat-6185	16	21	southeast	southeast	PROPN
easat-6185	16	22	asia	asia	PROPN
easat-6185	16	23	to	to	ADP
easat-6185	16	24	economic	economic	ADJ
easat-6185	16	25	shocks	shock	NOUN
easat-6185	16	26	.	.	PUNCT
easat-6185	17	1	this	this	PRON
easat-6185	17	2	necessitates	necessitate	VERB
easat-6185	17	3	research	research	NOUN
easat-6185	17	4	on	on	ADP
easat-6185	17	5	income	income	NOUN
easat-6185	17	6	diversification	diversification	NOUN
easat-6185	17	7	as	as	ADP
easat-6185	17	8	a	a	DET
easat-6185	17	9	strategy	strategy	NOUN
easat-6185	17	10	to	to	PART
easat-6185	17	11	mitigate	mitigate	VERB
easat-6185	17	12	risks	risk	NOUN
easat-6185	17	13	and	and	CCONJ
easat-6185	17	14	enhance	enhance	VERB
easat-6185	17	15	financial	financial	ADJ
easat-6185	17	16	stability	stability	NOUN
easat-6185	17	17	.	.	PUNCT
easat-6185	18	1	while	while	SCONJ
easat-6185	18	2	the	the	DET
easat-6185	18	3	provided	provide	VERB
easat-6185	18	4	framework	framework	NOUN
easat-6185	18	5	focuses	focus	VERB
easat-6185	18	6	on	on	ADP
easat-6185	18	7	return	return	NOUN
easat-6185	18	8	on	on	ADP
easat-6185	18	9	equity	equity	NOUN
easat-6185	18	10	(	(	PUNCT
easat-6185	18	11	roe	roe	PROPN
easat-6185	18	12	)	)	PUNCT
easat-6185	18	13	,	,	PUNCT
easat-6185	18	14	this	this	DET
easat-6185	18	15	analysis	analysis	NOUN
easat-6185	18	16	specifically	specifically	ADV
easat-6185	18	17	addresses	address	VERB
easat-6185	18	18	the	the	DET
easat-6185	18	19	need	need	NOUN
easat-6185	18	20	to	to	PART
easat-6185	18	21	study	study	VERB
easat-6185	18	22	income	income	NOUN
easat-6185	18	23	diversification	diversification	NOUN
easat-6185	18	24	's	's	PART
easat-6185	18	25	impact	impact	NOUN
easat-6185	18	26	on	on	ADP
easat-6185	18	27	non	non	ADJ
easat-6185	18	28	-	-	ADJ
easat-6185	18	29	performing	performing	ADJ
easat-6185	18	30	loan	loan	NOUN
easat-6185	18	31	(	(	PUNCT
easat-6185	18	32	npl	npl	NOUN
easat-6185	18	33	)	)	PUNCT
easat-6185	18	34	ratios	ratio	NOUN
easat-6185	18	35	,	,	PUNCT
easat-6185	18	36	reflecting	reflect	VERB
easat-6185	18	37	financial	financial	ADJ
easat-6185	18	38	stability	stability	NOUN
easat-6185	18	39	and	and	CCONJ
easat-6185	18	40	risk	risk	NOUN
easat-6185	18	41	management	management	NOUN
easat-6185	18	42	.	.	PUNCT
easat-6185	19	1	several	several	ADJ
easat-6185	19	2	studies	study	NOUN
easat-6185	19	3	underscore	underscore	VERB
easat-6185	19	4	the	the	DET
easat-6185	19	5	importance	importance	NOUN
easat-6185	19	6	of	of	ADP
easat-6185	19	7	income	income	NOUN
easat-6185	19	8	diversification	diversification	NOUN
easat-6185	19	9	for	for	ADP
easat-6185	19	10	commercial	commercial	ADJ
easat-6185	19	11	banks	bank	NOUN
easat-6185	19	12	.	.	PUNCT
easat-6185	20	1	diversification	diversification	NOUN
easat-6185	20	2	reduces	reduce	VERB
easat-6185	20	3	reliance	reliance	NOUN
easat-6185	20	4	on	on	ADP
easat-6185	20	5	traditional	traditional	ADJ
easat-6185	20	6	interest	interest	NOUN
easat-6185	20	7	income	income	NOUN
easat-6185	20	8	,	,	PUNCT
easat-6185	20	9	mitigating	mitigate	VERB
easat-6185	20	10	vulnerabilities	vulnerability	NOUN
easat-6185	20	11	associated	associate	VERB
easat-6185	20	12	with	with	ADP
easat-6185	20	13	interest	interest	NOUN
easat-6185	20	14	rate	rate	NOUN
easat-6185	20	15	fluctuations	fluctuation	NOUN
easat-6185	20	16	and	and	CCONJ
easat-6185	20	17	credit	credit	NOUN
easat-6185	20	18	risk	risk	NOUN
easat-6185	20	19	[	[	X
easat-6185	20	20	1	1	NUM
easat-6185	20	21	,	,	PUNCT
easat-6185	20	22	2	2	NUM
easat-6185	20	23	]	]	PUNCT
easat-6185	20	24	.	.	PUNCT
easat-6185	21	1	furthermore	furthermore	ADV
easat-6185	21	2	,	,	PUNCT
easat-6185	21	3	diversified	diversified	ADJ
easat-6185	21	4	income	income	NOUN
easat-6185	21	5	streams	stream	NOUN
easat-6185	21	6	enhance	enhance	VERB
easat-6185	21	7	profitability	profitability	NOUN
easat-6185	21	8	and	and	CCONJ
easat-6185	21	9	stability	stability	NOUN
easat-6185	21	10	,	,	PUNCT
easat-6185	21	11	particularly	particularly	ADV
easat-6185	21	12	during	during	ADP
easat-6185	21	13	economic	economic	ADJ
easat-6185	21	14	downturns	downturn	NOUN
easat-6185	21	15	[	[	X
easat-6185	21	16	3	3	NUM
easat-6185	21	17	]	]	PUNCT
easat-6185	21	18	.	.	PUNCT
easat-6185	22	1	these	these	DET
easat-6185	22	2	findings	finding	NOUN
easat-6185	22	3	necessitate	necessitate	ADJ
easat-6185	22	4	investigating	investigate	VERB
easat-6185	22	5	the	the	DET
easat-6185	22	6	specific	specific	ADJ
easat-6185	22	7	relationship	relationship	NOUN
easat-6185	22	8	between	between	ADP
easat-6185	22	9	diversification	diversification	NOUN
easat-6185	22	10	and	and	CCONJ
easat-6185	22	11	npl	npl	PROPN
easat-6185	22	12	in	in	ADP
easat-6185	22	13	southeast	southeast	PROPN
easat-6185	22	14	asia	asia	PROPN
easat-6185	22	15	.	.	PUNCT
easat-6185	23	1	while	while	SCONJ
easat-6185	23	2	research	research	NOUN
easat-6185	23	3	on	on	ADP
easat-6185	23	4	income	income	NOUN
easat-6185	23	5	diversification	diversification	NOUN
easat-6185	23	6	and	and	CCONJ
easat-6185	23	7	bank	bank	NOUN
easat-6185	23	8	performance	performance	NOUN
easat-6185	23	9	exists	exist	VERB
easat-6185	23	10	,	,	PUNCT
easat-6185	23	11	a	a	DET
easat-6185	23	12	gap	gap	NOUN
easat-6185	23	13	remains	remain	VERB
easat-6185	23	14	in	in	ADP
easat-6185	23	15	understanding	understand	VERB
easat-6185	23	16	its	its	PRON
easat-6185	23	17	impact	impact	NOUN
easat-6185	23	18	on	on	ADP
easat-6185	23	19	npl	npl	PROPN
easat-6185	23	20	ratios	ratio	NOUN
easat-6185	23	21	specifically	specifically	ADV
easat-6185	23	22	in	in	ADP
easat-6185	23	23	the	the	DET
easat-6185	23	24	southeast	southeast	ADJ
easat-6185	23	25	asian	asian	ADJ
easat-6185	23	26	context	context	NOUN
easat-6185	23	27	.	.	PUNCT
easat-6185	24	1	examining	examine	VERB
easat-6185	24	2	the	the	DET
easat-6185	24	3	region	region	NOUN
easat-6185	24	4	's	's	PART
easat-6185	24	5	unique	unique	ADJ
easat-6185	24	6	characteristics	characteristic	NOUN
easat-6185	24	7	,	,	PUNCT
easat-6185	24	8	including	include	VERB
easat-6185	24	9	diverse	diverse	ADJ
easat-6185	24	10	economic	economic	ADJ
easat-6185	24	11	development	development	NOUN
easat-6185	24	12	levels	level	NOUN
easat-6185	24	13	and	and	CCONJ
easat-6185	24	14	regulatory	regulatory	ADJ
easat-6185	24	15	frameworks	framework	NOUN
easat-6185	24	16	,	,	PUNCT
easat-6185	24	17	is	be	AUX
easat-6185	24	18	crucial	crucial	ADJ
easat-6185	24	19	.	.	PUNCT
easat-6185	25	1	moreover	moreover	ADV
easat-6185	25	2	,	,	PUNCT
easat-6185	25	3	exploring	explore	VERB
easat-6185	25	4	the	the	DET
easat-6185	25	5	various	various	ADJ
easat-6185	25	6	criteria	criterion	NOUN
easat-6185	25	7	used	use	VERB
easat-6185	25	8	to	to	PART
easat-6185	25	9	measure	measure	VERB
easat-6185	25	10	income	income	NOUN
easat-6185	25	11	diversification	diversification	NOUN
easat-6185	25	12	(	(	PUNCT
easat-6185	25	13	e.g.	e.g.	ADV
easat-6185	25	14	,	,	PUNCT
easat-6185	25	15	herfindahl	herfindahl	NOUN
easat-6185	25	16	-	-	PUNCT
easat-6185	25	17	hirschman	hirschman	NOUN
easat-6185	25	18	index	index	NOUN
easat-6185	25	19	,	,	PUNCT
easat-6185	25	20	revenue	revenue	NOUN
easat-6185	25	21	share	share	NOUN
easat-6185	25	22	from	from	ADP
easat-6185	25	23	non	non	ADJ
easat-6185	25	24	-	-	ADJ
easat-6185	25	25	interest	interest	ADJ
easat-6185	25	26	income	income	NOUN
easat-6185	25	27	)	)	PUNCT
easat-6185	26	1	[	[	X
easat-6185	26	2	4	4	X
easat-6185	26	3	]	]	PUNCT
easat-6185	26	4	allows	allow	VERB
easat-6185	26	5	for	for	ADP
easat-6185	26	6	a	a	DET
easat-6185	26	7	comprehensive	comprehensive	ADJ
easat-6185	26	8	analysis	analysis	NOUN
easat-6185	26	9	of	of	ADP
easat-6185	26	10	its	its	PRON
easat-6185	26	11	impact	impact	NOUN
easat-6185	26	12	on	on	ADP
easat-6185	26	13	npl	npl	PROPN
easat-6185	26	14	.	.	PUNCT
easat-6185	27	1	the	the	DET
easat-6185	27	2	covid-19	covid-19	PROPN
easat-6185	27	3	pandemic	pandemic	NOUN
easat-6185	27	4	exacerbated	exacerbate	VERB
easat-6185	27	5	existing	exist	VERB
easat-6185	27	6	vulnerabilities	vulnerability	NOUN
easat-6185	27	7	in	in	ADP
easat-6185	27	8	the	the	DET
easat-6185	27	9	region	region	NOUN
easat-6185	27	10	's	's	PART
easat-6185	27	11	banking	banking	NOUN
easat-6185	27	12	sector	sector	NOUN
easat-6185	27	13	.	.	PUNCT
easat-6185	28	1	understanding	understand	VERB
easat-6185	28	2	how	how	SCONJ
easat-6185	28	3	income	income	NOUN
easat-6185	28	4	diversification	diversification	NOUN
easat-6185	28	5	can	can	AUX
easat-6185	28	6	mitigate	mitigate	VERB
easat-6185	28	7	credit	credit	NOUN
easat-6185	28	8	risk	risk	NOUN
easat-6185	28	9	and	and	CCONJ
easat-6185	28	10	improve	improve	VERB
easat-6185	28	11	npl	npl	NOUN
easat-6185	28	12	ratios	ratio	NOUN
easat-6185	28	13	is	be	AUX
easat-6185	28	14	crucial	crucial	ADJ
easat-6185	28	15	for	for	ADP
easat-6185	28	16	https://orcid.org/0000-0002-3526-1206	https://orcid.org/0000-0002-3526-1206	NOUN
easat-6185	28	17	https://orcid.org/0000-0003-0292-7646	https://orcid.org/0000-0003-0292-7646	NOUN
easat-6185	28	18	https://orcid.org/0009-0003-0001-7849	https://orcid.org/0009-0003-0001-7849	VERB
easat-6185	28	19	https://orcid.org/0000-0003-0313-7259	https://orcid.org/0000-0003-0313-7259	PROPN
easat-6185	28	20	1121	1121	NUM
easat-6185	28	21	edelweiss	edelweiss	PROPN
easat-6185	28	22	applied	apply	VERB
easat-6185	28	23	science	science	NOUN
easat-6185	28	24	and	and	CCONJ
easat-6185	28	25	technology	technology	NOUN
easat-6185	28	26	issn	issn	PROPN
easat-6185	28	27	:	:	PUNCT
easat-6185	28	28	2576	2576	NUM
easat-6185	28	29	-	-	SYM
easat-6185	28	30	8484	8484	NUM
easat-6185	28	31	vol	vol	NOUN
easat-6185	28	32	.	.	PROPN
easat-6185	29	1	9	9	NUM
easat-6185	29	2	,	,	PUNCT
easat-6185	29	3	no	no	INTJ
easat-6185	29	4	.	.	NOUN
easat-6185	29	5	4	4	NUM
easat-6185	29	6	:	:	SYM
easat-6185	29	7	1120	1120	NUM
easat-6185	29	8	-	-	SYM
easat-6185	29	9	1130	1130	NUM
easat-6185	29	10	,	,	PUNCT
easat-6185	29	11	2025	2025	NUM
easat-6185	29	12	doi	doi	NOUN
easat-6185	29	13	:	:	PUNCT
easat-6185	29	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	29	15	©	©	PROPN
easat-6185	29	16	2025	2025	NUM
easat-6185	29	17	by	by	ADP
easat-6185	29	18	the	the	DET
easat-6185	29	19	authors	author	NOUN
easat-6185	29	20	;	;	PUNCT
easat-6185	29	21	licensee	licensee	PROPN
easat-6185	29	22	learning	learn	VERB
easat-6185	29	23	gate	gate	NOUN
easat-6185	29	24	stakeholders	stakeholder	NOUN
easat-6185	29	25	.	.	PUNCT
easat-6185	30	1	bank	bank	NOUN
easat-6185	30	2	managers	manager	NOUN
easat-6185	30	3	can	can	AUX
easat-6185	30	4	utilize	utilize	VERB
easat-6185	30	5	these	these	DET
easat-6185	30	6	findings	finding	NOUN
easat-6185	30	7	to	to	PART
easat-6185	30	8	develop	develop	VERB
easat-6185	30	9	robust	robust	ADJ
easat-6185	30	10	risk	risk	NOUN
easat-6185	30	11	management	management	NOUN
easat-6185	30	12	strategies	strategy	NOUN
easat-6185	30	13	.	.	PUNCT
easat-6185	31	1	investors	investor	NOUN
easat-6185	31	2	can	can	AUX
easat-6185	31	3	evaluate	evaluate	VERB
easat-6185	31	4	banks	bank	NOUN
easat-6185	31	5	'	'	PART
easat-6185	31	6	resilience	resilience	NOUN
easat-6185	31	7	and	and	CCONJ
easat-6185	31	8	long	long	ADJ
easat-6185	31	9	-	-	PUNCT
easat-6185	31	10	term	term	NOUN
easat-6185	31	11	sustainability	sustainability	NOUN
easat-6185	31	12	.	.	PUNCT
easat-6185	32	1	policymakers	policymaker	NOUN
easat-6185	32	2	and	and	CCONJ
easat-6185	32	3	bank	bank	NOUN
easat-6185	32	4	supervisors	supervisor	NOUN
easat-6185	32	5	can	can	AUX
easat-6185	32	6	leverage	leverage	VERB
easat-6185	32	7	this	this	DET
easat-6185	32	8	research	research	NOUN
easat-6185	32	9	to	to	PART
easat-6185	32	10	strengthen	strengthen	VERB
easat-6185	32	11	regulatory	regulatory	ADJ
easat-6185	32	12	frameworks	framework	NOUN
easat-6185	32	13	and	and	CCONJ
easat-6185	32	14	promote	promote	VERB
easat-6185	32	15	financial	financial	ADJ
easat-6185	32	16	stability	stability	NOUN
easat-6185	32	17	in	in	ADP
easat-6185	32	18	the	the	DET
easat-6185	32	19	post	post	ADJ
easat-6185	32	20	-	-	ADJ
easat-6185	32	21	pandemic	pandemic	ADJ
easat-6185	32	22	era	era	NOUN
easat-6185	32	23	.	.	PUNCT
easat-6185	33	1	therefore	therefore	ADV
easat-6185	33	2	,	,	PUNCT
easat-6185	33	3	studying	study	VERB
easat-6185	33	4	the	the	DET
easat-6185	33	5	relationship	relationship	NOUN
easat-6185	33	6	between	between	ADP
easat-6185	33	7	income	income	NOUN
easat-6185	33	8	diversification	diversification	NOUN
easat-6185	33	9	and	and	CCONJ
easat-6185	33	10	npl	npl	NOUN
easat-6185	33	11	ratios	ratio	NOUN
easat-6185	33	12	of	of	ADP
easat-6185	33	13	southeast	southeast	ADJ
easat-6185	33	14	asian	asian	ADJ
easat-6185	33	15	commercial	commercial	ADJ
easat-6185	33	16	banks	bank	NOUN
easat-6185	33	17	is	be	AUX
easat-6185	33	18	timely	timely	ADJ
easat-6185	33	19	and	and	CCONJ
easat-6185	33	20	essential	essential	ADJ
easat-6185	33	21	.	.	PUNCT
easat-6185	34	1	2	2	X
easat-6185	34	2	.	.	X
easat-6185	34	3	literature	literature	NOUN
easat-6185	34	4	review	review	VERB
easat-6185	34	5	2.1	2.1	NUM
easat-6185	34	6	.	.	PUNCT
easat-6185	35	1	income	income	NOUN
easat-6185	35	2	diversification	diversification	NOUN
easat-6185	35	3	and	and	CCONJ
easat-6185	35	4	npl	npl	PROPN
easat-6185	35	5	recent	recent	ADJ
easat-6185	35	6	research	research	NOUN
easat-6185	35	7	explores	explore	VERB
easat-6185	35	8	the	the	DET
easat-6185	35	9	relationship	relationship	NOUN
easat-6185	35	10	between	between	ADP
easat-6185	35	11	income	income	NOUN
easat-6185	35	12	diversification	diversification	NOUN
easat-6185	35	13	and	and	CCONJ
easat-6185	35	14	npl	npl	NOUN
easat-6185	35	15	ratios	ratio	NOUN
easat-6185	35	16	in	in	ADP
easat-6185	35	17	commercial	commercial	ADJ
easat-6185	35	18	banks	bank	NOUN
easat-6185	35	19	,	,	PUNCT
easat-6185	35	20	primarily	primarily	ADV
easat-6185	35	21	focusing	focus	VERB
easat-6185	35	22	on	on	ADP
easat-6185	35	23	the	the	DET
easat-6185	35	24	contribution	contribution	NOUN
easat-6185	35	25	of	of	ADP
easat-6185	35	26	non	non	ADJ
easat-6185	35	27	-	-	ADJ
easat-6185	35	28	interest	interest	ADJ
easat-6185	35	29	income	income	NOUN
easat-6185	35	30	.	.	PUNCT
easat-6185	36	1	a	a	DET
easat-6185	36	2	common	common	ADJ
easat-6185	36	3	metric	metric	NOUN
easat-6185	36	4	for	for	ADP
easat-6185	36	5	assessing	assess	VERB
easat-6185	36	6	diversification	diversification	NOUN
easat-6185	36	7	is	be	AUX
easat-6185	36	8	the	the	DET
easat-6185	36	9	ratio	ratio	NOUN
easat-6185	36	10	of	of	ADP
easat-6185	36	11	non	non	ADJ
easat-6185	36	12	-	-	ADJ
easat-6185	36	13	interest	interest	ADJ
easat-6185	36	14	income	income	NOUN
easat-6185	36	15	to	to	ADP
easat-6185	36	16	total	total	ADJ
easat-6185	36	17	income	income	NOUN
easat-6185	36	18	(	(	PUNCT
easat-6185	36	19	nii	nii	PROPN
easat-6185	36	20	/	/	SYM
easat-6185	36	21	ti	ti	NOUN
easat-6185	36	22	)	)	PUNCT
easat-6185	36	23	.	.	PUNCT
easat-6185	37	1	higher	high	ADJ
easat-6185	37	2	nii	nii	PROPN
easat-6185	37	3	/	/	SYM
easat-6185	37	4	ti	ti	NOUN
easat-6185	37	5	ratios	ratio	NOUN
easat-6185	37	6	generally	generally	ADV
easat-6185	37	7	indicate	indicate	VERB
easat-6185	37	8	greater	great	ADJ
easat-6185	37	9	diversification	diversification	NOUN
easat-6185	37	10	[	[	X
easat-6185	37	11	5	5	NUM
easat-6185	37	12	]	]	PUNCT
easat-6185	37	13	.	.	PUNCT
easat-6185	38	1	stiroh	stiroh	PROPN
easat-6185	39	1	[	[	X
easat-6185	39	2	4	4	X
easat-6185	39	3	]	]	PUNCT
easat-6185	39	4	provides	provide	VERB
easat-6185	39	5	a	a	DET
easat-6185	39	6	comprehensive	comprehensive	ADJ
easat-6185	39	7	overview	overview	NOUN
easat-6185	39	8	of	of	ADP
easat-6185	39	9	income	income	NOUN
easat-6185	39	10	diversification	diversification	NOUN
easat-6185	39	11	trends	trend	NOUN
easat-6185	39	12	in	in	ADP
easat-6185	39	13	the	the	DET
easat-6185	39	14	us	us	PROPN
easat-6185	39	15	banking	banking	NOUN
easat-6185	39	16	sector	sector	NOUN
easat-6185	39	17	,	,	PUNCT
easat-6185	39	18	highlighting	highlight	VERB
easat-6185	39	19	the	the	DET
easat-6185	39	20	increasing	increase	VERB
easat-6185	39	21	reliance	reliance	NOUN
easat-6185	39	22	on	on	ADP
easat-6185	39	23	non	non	ADJ
easat-6185	39	24	-	-	ADJ
easat-6185	39	25	interest	interest	ADJ
easat-6185	39	26	income	income	NOUN
easat-6185	39	27	sources	source	NOUN
easat-6185	39	28	like	like	ADP
easat-6185	39	29	fees	fee	NOUN
easat-6185	39	30	and	and	CCONJ
easat-6185	39	31	trading	trading	NOUN
easat-6185	39	32	revenue	revenue	NOUN
easat-6185	39	33	.	.	PUNCT
easat-6185	40	1	while	while	SCONJ
easat-6185	40	2	acknowledging	acknowledge	VERB
easat-6185	40	3	potential	potential	ADJ
easat-6185	40	4	benefits	benefit	NOUN
easat-6185	40	5	of	of	ADP
easat-6185	40	6	diversification	diversification	NOUN
easat-6185	40	7	in	in	ADP
easat-6185	40	8	mitigating	mitigate	VERB
easat-6185	40	9	credit	credit	NOUN
easat-6185	40	10	risk	risk	NOUN
easat-6185	40	11	,	,	PUNCT
easat-6185	40	12	stiroh	stiroh	ADJ
easat-6185	41	1	[	[	X
easat-6185	41	2	4	4	X
easat-6185	41	3	]	]	PUNCT
easat-6185	41	4	cautions	caution	NOUN
easat-6185	41	5	against	against	ADP
easat-6185	41	6	excessive	excessive	ADJ
easat-6185	41	7	reliance	reliance	NOUN
easat-6185	41	8	on	on	ADP
easat-6185	41	9	volatile	volatile	ADJ
easat-6185	41	10	non	non	ADJ
easat-6185	41	11	-	-	ADJ
easat-6185	41	12	interest	interest	ADJ
easat-6185	41	13	income	income	NOUN
easat-6185	41	14	streams	stream	NOUN
easat-6185	41	15	.	.	PUNCT
easat-6185	42	1	similarly	similarly	ADV
easat-6185	42	2	,	,	PUNCT
easat-6185	42	3	de	de	X
easat-6185	42	4	jonghe	jonghe	NOUN
easat-6185	42	5	,	,	PUNCT
easat-6185	42	6	et	et	PROPN
easat-6185	42	7	al	al	PROPN
easat-6185	42	8	.	.	PUNCT
easat-6185	43	1	[	[	X
easat-6185	43	2	6	6	NUM
easat-6185	43	3	]	]	PUNCT
easat-6185	43	4	examine	examine	VERB
easat-6185	43	5	the	the	DET
easat-6185	43	6	impact	impact	NOUN
easat-6185	43	7	of	of	ADP
easat-6185	43	8	diversification	diversification	NOUN
easat-6185	43	9	on	on	ADP
easat-6185	43	10	bank	bank	NOUN
easat-6185	43	11	stability	stability	NOUN
easat-6185	43	12	,	,	PUNCT
easat-6185	43	13	finding	find	VERB
easat-6185	43	14	that	that	SCONJ
easat-6185	43	15	moderate	moderate	ADJ
easat-6185	43	16	levels	level	NOUN
easat-6185	43	17	of	of	ADP
easat-6185	43	18	non	non	ADJ
easat-6185	43	19	-	-	ADJ
easat-6185	43	20	interest	interest	ADJ
easat-6185	43	21	income	income	NOUN
easat-6185	43	22	can	can	AUX
easat-6185	43	23	enhance	enhance	VERB
easat-6185	43	24	stability	stability	NOUN
easat-6185	43	25	,	,	PUNCT
easat-6185	43	26	but	but	CCONJ
easat-6185	43	27	excessive	excessive	ADJ
easat-6185	43	28	diversification	diversification	NOUN
easat-6185	43	29	may	may	AUX
easat-6185	43	30	lead	lead	VERB
easat-6185	43	31	to	to	ADP
easat-6185	43	32	increased	increase	VERB
easat-6185	43	33	risk	risk	NOUN
easat-6185	43	34	-	-	PUNCT
easat-6185	43	35	taking	taking	NOUN
easat-6185	43	36	.	.	PUNCT
easat-6185	44	1	empirical	empirical	ADJ
easat-6185	44	2	studies	study	NOUN
easat-6185	44	3	examining	examine	VERB
easat-6185	44	4	the	the	DET
easat-6185	44	5	direct	direct	ADJ
easat-6185	44	6	link	link	NOUN
easat-6185	44	7	between	between	ADP
easat-6185	44	8	income	income	NOUN
easat-6185	44	9	diversification	diversification	NOUN
easat-6185	44	10	and	and	CCONJ
easat-6185	44	11	npl	npl	PROPN
easat-6185	44	12	ratios	ratio	NOUN
easat-6185	44	13	offer	offer	VERB
easat-6185	44	14	mixed	mixed	ADJ
easat-6185	44	15	findings	finding	NOUN
easat-6185	44	16	.	.	PUNCT
easat-6185	45	1	while	while	SCONJ
easat-6185	45	2	some	some	DET
easat-6185	45	3	research	research	NOUN
easat-6185	45	4	suggests	suggest	VERB
easat-6185	45	5	a	a	DET
easat-6185	45	6	negative	negative	ADJ
easat-6185	45	7	relationship	relationship	NOUN
easat-6185	45	8	,	,	PUNCT
easat-6185	45	9	indicating	indicate	VERB
easat-6185	45	10	that	that	SCONJ
easat-6185	45	11	higher	high	ADJ
easat-6185	45	12	diversification	diversification	NOUN
easat-6185	45	13	reduces	reduce	VERB
easat-6185	45	14	npl	npl	NOUN
easat-6185	45	15	ratios	ratio	NOUN
easat-6185	45	16	[	[	X
easat-6185	45	17	7	7	X
easat-6185	45	18	]	]	X
easat-6185	45	19	other	other	ADJ
easat-6185	45	20	studies	study	NOUN
easat-6185	45	21	report	report	VERB
easat-6185	45	22	a	a	DET
easat-6185	45	23	non	non	ADJ
easat-6185	45	24	-	-	ADJ
easat-6185	45	25	significant	significant	ADJ
easat-6185	45	26	or	or	CCONJ
easat-6185	45	27	even	even	ADV
easat-6185	45	28	positive	positive	ADJ
easat-6185	45	29	relationship	relationship	NOUN
easat-6185	45	30	[	[	X
easat-6185	45	31	8	8	NUM
easat-6185	45	32	]	]	PUNCT
easat-6185	45	33	.	.	PUNCT
easat-6185	46	1	these	these	DET
easat-6185	46	2	inconsistencies	inconsistency	NOUN
easat-6185	46	3	highlight	highlight	VERB
easat-6185	46	4	the	the	DET
easat-6185	46	5	complex	complex	ADJ
easat-6185	46	6	interplay	interplay	NOUN
easat-6185	46	7	of	of	ADP
easat-6185	46	8	factors	factor	NOUN
easat-6185	46	9	influencing	influence	VERB
easat-6185	46	10	npl	npl	NOUN
easat-6185	46	11	ratios	ratio	NOUN
easat-6185	46	12	and	and	CCONJ
easat-6185	46	13	underscore	underscore	VERB
easat-6185	46	14	the	the	DET
easat-6185	46	15	need	need	NOUN
easat-6185	46	16	for	for	ADP
easat-6185	46	17	further	further	ADJ
easat-6185	46	18	research	research	NOUN
easat-6185	46	19	exploring	explore	VERB
easat-6185	46	20	the	the	DET
easat-6185	46	21	specific	specific	ADJ
easat-6185	46	22	channels	channel	NOUN
easat-6185	46	23	through	through	ADP
easat-6185	46	24	which	which	PRON
easat-6185	46	25	income	income	NOUN
easat-6185	46	26	diversification	diversification	NOUN
easat-6185	46	27	impacts	impact	VERB
easat-6185	46	28	credit	credit	NOUN
easat-6185	46	29	risk	risk	NOUN
easat-6185	46	30	.	.	PUNCT
easat-6185	47	1	furthermore	furthermore	ADV
easat-6185	47	2	,	,	PUNCT
easat-6185	47	3	the	the	DET
easat-6185	47	4	optimal	optimal	ADJ
easat-6185	47	5	level	level	NOUN
easat-6185	47	6	of	of	ADP
easat-6185	47	7	diversification	diversification	NOUN
easat-6185	47	8	and	and	CCONJ
easat-6185	47	9	its	its	PRON
easat-6185	47	10	impact	impact	NOUN
easat-6185	47	11	likely	likely	ADV
easat-6185	47	12	vary	vary	VERB
easat-6185	47	13	across	across	ADP
easat-6185	47	14	different	different	ADJ
easat-6185	47	15	banking	banking	NOUN
easat-6185	47	16	systems	system	NOUN
easat-6185	47	17	and	and	CCONJ
easat-6185	47	18	regulatory	regulatory	ADJ
easat-6185	47	19	environments	environment	NOUN
easat-6185	47	20	[	[	X
easat-6185	47	21	9	9	NUM
easat-6185	47	22	]	]	PUNCT
easat-6185	47	23	.	.	PUNCT
easat-6185	48	1	the	the	DET
easat-6185	48	2	relationship	relationship	NOUN
easat-6185	48	3	between	between	ADP
easat-6185	48	4	income	income	NOUN
easat-6185	48	5	diversification	diversification	NOUN
easat-6185	48	6	and	and	CCONJ
easat-6185	48	7	npl	npl	NOUN
easat-6185	48	8	ratios	ratio	NOUN
easat-6185	48	9	in	in	ADP
easat-6185	48	10	commercial	commercial	ADJ
easat-6185	48	11	banks	bank	NOUN
easat-6185	48	12	has	have	AUX
easat-6185	48	13	been	be	AUX
easat-6185	48	14	a	a	DET
easat-6185	48	15	subject	subject	NOUN
easat-6185	48	16	of	of	ADP
easat-6185	48	17	ongoing	ongoing	ADJ
easat-6185	48	18	debate	debate	NOUN
easat-6185	48	19	in	in	ADP
easat-6185	48	20	recent	recent	ADJ
easat-6185	48	21	financial	financial	ADJ
easat-6185	48	22	literature	literature	NOUN
easat-6185	48	23	.	.	PUNCT
easat-6185	49	1	some	some	DET
easat-6185	49	2	studies	study	NOUN
easat-6185	49	3	suggest	suggest	VERB
easat-6185	49	4	a	a	DET
easat-6185	49	5	positive	positive	ADJ
easat-6185	49	6	impact	impact	NOUN
easat-6185	49	7	,	,	PUNCT
easat-6185	49	8	arguing	argue	VERB
easat-6185	49	9	that	that	SCONJ
easat-6185	49	10	diversified	diversified	ADJ
easat-6185	49	11	income	income	NOUN
easat-6185	49	12	streams	stream	NOUN
easat-6185	49	13	enhance	enhance	VERB
easat-6185	49	14	a	a	DET
easat-6185	49	15	bank	bank	NOUN
easat-6185	49	16	's	's	PART
easat-6185	49	17	resilience	resilience	NOUN
easat-6185	49	18	to	to	ADP
easat-6185	49	19	economic	economic	ADJ
easat-6185	49	20	shocks	shock	NOUN
easat-6185	49	21	and	and	CCONJ
easat-6185	49	22	reduce	reduce	VERB
easat-6185	49	23	reliance	reliance	NOUN
easat-6185	49	24	on	on	ADP
easat-6185	49	25	interest	interest	NOUN
easat-6185	49	26	income	income	NOUN
easat-6185	49	27	,	,	PUNCT
easat-6185	49	28	thus	thus	ADV
easat-6185	49	29	lowering	lower	VERB
easat-6185	49	30	credit	credit	NOUN
easat-6185	49	31	risk	risk	NOUN
easat-6185	49	32	[	[	X
easat-6185	49	33	5	5	NUM
easat-6185	49	34	,	,	PUNCT
easat-6185	49	35	10	10	NUM
easat-6185	49	36	]	]	PUNCT
easat-6185	49	37	.	.	PUNCT
easat-6185	50	1	diversification	diversification	NOUN
easat-6185	50	2	into	into	ADP
easat-6185	50	3	fee	fee	NOUN
easat-6185	50	4	-	-	PUNCT
easat-6185	50	5	generating	generate	VERB
easat-6185	50	6	activities	activity	NOUN
easat-6185	50	7	,	,	PUNCT
easat-6185	50	8	such	such	ADJ
easat-6185	50	9	as	as	ADP
easat-6185	50	10	investment	investment	NOUN
easat-6185	50	11	banking	banking	NOUN
easat-6185	50	12	and	and	CCONJ
easat-6185	50	13	wealth	wealth	NOUN
easat-6185	50	14	management	management	NOUN
easat-6185	50	15	,	,	PUNCT
easat-6185	50	16	can	can	AUX
easat-6185	50	17	provide	provide	VERB
easat-6185	50	18	stable	stable	ADJ
easat-6185	50	19	income	income	NOUN
easat-6185	50	20	during	during	ADP
easat-6185	50	21	periods	period	NOUN
easat-6185	50	22	of	of	ADP
easat-6185	50	23	credit	credit	NOUN
easat-6185	50	24	stress	stress	NOUN
easat-6185	50	25	,	,	PUNCT
easat-6185	50	26	mitigating	mitigate	VERB
easat-6185	50	27	npl	npl	NOUN
easat-6185	50	28	increases	increase	NOUN
easat-6185	50	29	.	.	PUNCT
easat-6185	51	1	however	however	ADV
easat-6185	51	2	,	,	PUNCT
easat-6185	51	3	other	other	ADJ
easat-6185	51	4	research	research	NOUN
easat-6185	51	5	indicates	indicate	VERB
easat-6185	51	6	a	a	DET
easat-6185	51	7	potential	potential	ADJ
easat-6185	51	8	negative	negative	ADJ
easat-6185	51	9	relationship	relationship	NOUN
easat-6185	51	10	.	.	PUNCT
easat-6185	52	1	baicu	baicu	NOUN
easat-6185	52	2	,	,	PUNCT
easat-6185	52	3	et	et	PROPN
easat-6185	52	4	al	al	PROPN
easat-6185	52	5	.	.	PUNCT
easat-6185	53	1	[	[	X
easat-6185	53	2	11	11	NUM
easat-6185	53	3	]	]	PUNCT
easat-6185	53	4	found	find	VERB
easat-6185	53	5	that	that	SCONJ
easat-6185	53	6	aggressive	aggressive	ADJ
easat-6185	53	7	diversification	diversification	NOUN
easat-6185	53	8	into	into	ADP
easat-6185	53	9	non	non	ADJ
easat-6185	53	10	-	-	ADJ
easat-6185	53	11	traditional	traditional	ADJ
easat-6185	53	12	banking	banking	NOUN
easat-6185	53	13	activities	activity	NOUN
easat-6185	53	14	can	can	AUX
easat-6185	53	15	lead	lead	VERB
easat-6185	53	16	to	to	ADP
easat-6185	53	17	increased	increase	VERB
easat-6185	53	18	risk	risk	NOUN
easat-6185	53	19	-	-	PUNCT
easat-6185	53	20	taking	take	VERB
easat-6185	53	21	behavior	behavior	NOUN
easat-6185	53	22	and	and	CCONJ
easat-6185	53	23	managerial	managerial	ADJ
easat-6185	53	24	complexity	complexity	NOUN
easat-6185	53	25	,	,	PUNCT
easat-6185	53	26	potentially	potentially	ADV
easat-6185	53	27	elevating	elevate	VERB
easat-6185	53	28	npl	npl	NOUN
easat-6185	53	29	ratios	ratio	NOUN
easat-6185	53	30	.	.	PUNCT
easat-6185	54	1	similarly	similarly	ADV
easat-6185	54	2	,	,	PUNCT
easat-6185	54	3	stiroh	stiroh	VERB
easat-6185	55	1	[	[	X
easat-6185	55	2	4	4	X
easat-6185	55	3	]	]	PUNCT
easat-6185	55	4	argued	argue	VERB
easat-6185	55	5	that	that	SCONJ
easat-6185	55	6	diversification	diversification	NOUN
easat-6185	55	7	may	may	AUX
easat-6185	55	8	distract	distract	VERB
easat-6185	55	9	management	management	NOUN
easat-6185	55	10	from	from	ADP
easat-6185	55	11	core	core	NOUN
easat-6185	55	12	lending	lending	NOUN
easat-6185	55	13	activities	activity	NOUN
easat-6185	55	14	and	and	CCONJ
easat-6185	55	15	dilute	dilute	VERB
easat-6185	55	16	expertise	expertise	NOUN
easat-6185	55	17	,	,	PUNCT
easat-6185	55	18	leading	lead	VERB
easat-6185	55	19	to	to	ADP
easat-6185	55	20	poorer	poor	ADJ
easat-6185	55	21	credit	credit	NOUN
easat-6185	55	22	quality	quality	NOUN
easat-6185	55	23	and	and	CCONJ
easat-6185	55	24	higher	high	ADJ
easat-6185	55	25	npl	npl	NOUN
easat-6185	55	26	.	.	PUNCT
easat-6185	56	1	the	the	DET
easat-6185	56	2	mechanism	mechanism	NOUN
easat-6185	56	3	for	for	ADP
easat-6185	56	4	this	this	DET
easat-6185	56	5	negative	negative	ADJ
easat-6185	56	6	impact	impact	NOUN
easat-6185	56	7	lies	lie	VERB
easat-6185	56	8	in	in	ADP
easat-6185	56	9	the	the	DET
easat-6185	56	10	potential	potential	NOUN
easat-6185	56	11	for	for	ADP
easat-6185	56	12	increased	increase	VERB
easat-6185	56	13	operational	operational	ADJ
easat-6185	56	14	risk	risk	NOUN
easat-6185	56	15	and	and	CCONJ
easat-6185	56	16	informational	informational	ADJ
easat-6185	56	17	asymmetry	asymmetry	NOUN
easat-6185	56	18	associated	associate	VERB
easat-6185	56	19	with	with	ADP
easat-6185	56	20	venturing	venture	VERB
easat-6185	56	21	into	into	ADP
easat-6185	56	22	unfamiliar	unfamiliar	ADJ
easat-6185	56	23	business	business	NOUN
easat-6185	56	24	lines	line	NOUN
easat-6185	56	25	[	[	X
easat-6185	56	26	12	12	NUM
easat-6185	56	27	]	]	PUNCT
easat-6185	56	28	.	.	PUNCT
easat-6185	57	1	this	this	DET
easat-6185	57	2	divergence	divergence	NOUN
easat-6185	57	3	in	in	ADP
easat-6185	57	4	findings	finding	NOUN
easat-6185	57	5	highlights	highlight	NOUN
easat-6185	57	6	the	the	DET
easat-6185	57	7	complex	complex	ADJ
easat-6185	57	8	and	and	CCONJ
easat-6185	57	9	potentially	potentially	ADV
easat-6185	57	10	non	non	ADJ
easat-6185	57	11	-	-	ADJ
easat-6185	57	12	linear	linear	ADJ
easat-6185	57	13	relationship	relationship	NOUN
easat-6185	57	14	between	between	ADP
easat-6185	57	15	income	income	NOUN
easat-6185	57	16	diversification	diversification	NOUN
easat-6185	57	17	and	and	CCONJ
easat-6185	57	18	npl	npl	NOUN
easat-6185	57	19	ratios	ratio	NOUN
easat-6185	57	20	,	,	PUNCT
easat-6185	57	21	warranting	warrant	VERB
easat-6185	57	22	further	further	ADJ
easat-6185	57	23	research	research	NOUN
easat-6185	57	24	to	to	PART
easat-6185	57	25	clarify	clarify	VERB
easat-6185	57	26	the	the	DET
easat-6185	57	27	contingent	contingent	NOUN
easat-6185	57	28	factors	factor	NOUN
easat-6185	57	29	influencing	influence	VERB
easat-6185	57	30	this	this	DET
easat-6185	57	31	relationship	relationship	NOUN
easat-6185	57	32	.	.	PUNCT
easat-6185	58	1	2.2	2.2	NUM
easat-6185	58	2	.	.	PUNCT
easat-6185	58	3	loans	loan	NOUN
easat-6185	58	4	and	and	CCONJ
easat-6185	58	5	npl	npl	VERB
easat-6185	58	6	the	the	DET
easat-6185	58	7	relationship	relationship	NOUN
easat-6185	58	8	between	between	ADP
easat-6185	58	9	loan	loan	NOUN
easat-6185	58	10	to	to	ADP
easat-6185	58	11	asset	asset	NOUN
easat-6185	58	12	ratio	ratio	NOUN
easat-6185	58	13	(	(	PUNCT
easat-6185	58	14	lar	lar	ADJ
easat-6185	58	15	)	)	PUNCT
easat-6185	58	16	and	and	CCONJ
easat-6185	58	17	npl	npl	PROPN
easat-6185	58	18	ratios	ratio	NOUN
easat-6185	58	19	in	in	ADP
easat-6185	58	20	commercial	commercial	ADJ
easat-6185	58	21	banks	bank	NOUN
easat-6185	58	22	is	be	AUX
easat-6185	58	23	complex	complex	ADJ
easat-6185	58	24	and	and	CCONJ
easat-6185	58	25	contested	contest	VERB
easat-6185	58	26	.	.	PUNCT
easat-6185	59	1	some	some	DET
easat-6185	59	2	studies	study	NOUN
easat-6185	59	3	suggest	suggest	VERB
easat-6185	59	4	a	a	DET
easat-6185	59	5	positive	positive	ADJ
easat-6185	59	6	relationship	relationship	NOUN
easat-6185	59	7	,	,	PUNCT
easat-6185	59	8	positing	posit	VERB
easat-6185	59	9	that	that	SCONJ
easat-6185	59	10	higher	high	ADJ
easat-6185	59	11	lending	lending	NOUN
easat-6185	59	12	activity	activity	NOUN
easat-6185	59	13	,	,	PUNCT
easat-6185	59	14	reflected	reflect	VERB
easat-6185	59	15	in	in	ADP
easat-6185	59	16	a	a	DET
easat-6185	59	17	higher	high	ADJ
easat-6185	59	18	lar	lar	NOUN
easat-6185	59	19	,	,	PUNCT
easat-6185	59	20	increases	increase	VERB
easat-6185	59	21	profitability	profitability	NOUN
easat-6185	59	22	and	and	CCONJ
easat-6185	59	23	strengthens	strengthen	VERB
easat-6185	59	24	a	a	DET
easat-6185	59	25	bank	bank	NOUN
easat-6185	59	26	's	's	PART
easat-6185	59	27	ability	ability	NOUN
easat-6185	59	28	to	to	PART
easat-6185	59	29	manage	manage	VERB
easat-6185	59	30	credit	credit	NOUN
easat-6185	59	31	risk	risk	NOUN
easat-6185	59	32	,	,	PUNCT
easat-6185	59	33	leading	lead	VERB
easat-6185	59	34	to	to	ADP
easat-6185	59	35	lower	low	ADJ
easat-6185	59	36	npl	npl	NOUN
easat-6185	59	37	ratios	ratio	NOUN
easat-6185	59	38	(	(	PUNCT
easat-6185	59	39	e.g.	e.g.	ADV
easat-6185	59	40	,	,	PUNCT
easat-6185	59	41	mesagan	mesagan	ADJ
easat-6185	59	42	and	and	CCONJ
easat-6185	59	43	akanni	akanni	VERB
easat-6185	60	1	[	[	X
easat-6185	60	2	13	13	NUM
easat-6185	60	3	]	]	NUM
easat-6185	60	4	)	)	PUNCT
easat-6185	60	5	.	.	PUNCT
easat-6185	61	1	a	a	DET
easat-6185	61	2	higher	high	ADJ
easat-6185	61	3	lar	lar	NOUN
easat-6185	61	4	could	could	AUX
easat-6185	61	5	signify	signify	VERB
easat-6185	61	6	increased	increase	VERB
easat-6185	61	7	operating	operating	NOUN
easat-6185	61	8	efficiency	efficiency	NOUN
easat-6185	61	9	and	and	CCONJ
easat-6185	61	10	income	income	NOUN
easat-6185	61	11	generation	generation	NOUN
easat-6185	61	12	,	,	PUNCT
easat-6185	61	13	bolstering	bolster	VERB
easat-6185	61	14	loan	loan	NOUN
easat-6185	61	15	loss	loss	NOUN
easat-6185	61	16	reserves	reserve	NOUN
easat-6185	61	17	and	and	CCONJ
easat-6185	61	18	enabling	enable	VERB
easat-6185	61	19	better	well	ADJ
easat-6185	61	20	risk	risk	NOUN
easat-6185	61	21	management	management	NOUN
easat-6185	61	22	[	[	X
easat-6185	61	23	14	14	NUM
easat-6185	61	24	]	]	PUNCT
easat-6185	61	25	.	.	PUNCT
easat-6185	62	1	however	however	ADV
easat-6185	62	2	,	,	PUNCT
easat-6185	62	3	a	a	DET
easat-6185	62	4	larger	large	ADJ
easat-6185	62	5	body	body	NOUN
easat-6185	62	6	of	of	ADP
easat-6185	62	7	literature	literature	NOUN
easat-6185	62	8	supports	support	VERB
easat-6185	62	9	a	a	DET
easat-6185	62	10	negative	negative	ADJ
easat-6185	62	11	relationship	relationship	NOUN
easat-6185	62	12	.	.	PUNCT
easat-6185	63	1	an	an	DET
easat-6185	63	2	increasing	increase	VERB
easat-6185	63	3	lar	lar	NOUN
easat-6185	63	4	indicates	indicate	VERB
easat-6185	63	5	greater	great	ADJ
easat-6185	63	6	exposure	exposure	NOUN
easat-6185	63	7	to	to	ADP
easat-6185	63	8	credit	credit	NOUN
easat-6185	63	9	risk	risk	NOUN
easat-6185	63	10	,	,	PUNCT
easat-6185	63	11	as	as	SCONJ
easat-6185	63	12	a	a	DET
easat-6185	63	13	larger	large	ADJ
easat-6185	63	14	proportion	proportion	NOUN
easat-6185	63	15	of	of	ADP
easat-6185	63	16	assets	asset	NOUN
easat-6185	63	17	are	be	AUX
easat-6185	63	18	tied	tie	VERB
easat-6185	63	19	to	to	ADP
easat-6185	63	20	potentially	potentially	ADV
easat-6185	63	21	defaulting	default	VERB
easat-6185	63	22	loans	loan	NOUN
easat-6185	63	23	.	.	PUNCT
easat-6185	64	1	1122	1122	NUM
easat-6185	64	2	edelweiss	edelweiss	PROPN
easat-6185	64	3	applied	apply	VERB
easat-6185	64	4	science	science	NOUN
easat-6185	64	5	and	and	CCONJ
easat-6185	64	6	technology	technology	NOUN
easat-6185	64	7	issn	issn	PROPN
easat-6185	64	8	:	:	PUNCT
easat-6185	64	9	2576	2576	NUM
easat-6185	64	10	-	-	SYM
easat-6185	64	11	8484	8484	NUM
easat-6185	64	12	vol	vol	NOUN
easat-6185	64	13	.	.	PROPN
easat-6185	65	1	9	9	NUM
easat-6185	65	2	,	,	PUNCT
easat-6185	65	3	no	no	INTJ
easat-6185	65	4	.	.	NOUN
easat-6185	65	5	4	4	NUM
easat-6185	65	6	:	:	SYM
easat-6185	65	7	1120	1120	NUM
easat-6185	65	8	-	-	SYM
easat-6185	65	9	1130	1130	NUM
easat-6185	65	10	,	,	PUNCT
easat-6185	65	11	2025	2025	NUM
easat-6185	65	12	doi	doi	NOUN
easat-6185	65	13	:	:	PUNCT
easat-6185	65	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	65	15	©	©	PROPN
easat-6185	65	16	2025	2025	NUM
easat-6185	65	17	by	by	ADP
easat-6185	65	18	the	the	DET
easat-6185	65	19	authors	author	NOUN
easat-6185	65	20	;	;	PUNCT
easat-6185	65	21	licensee	licensee	PROPN
easat-6185	65	22	learning	learning	NOUN
easat-6185	65	23	gate	gate	NOUN
easat-6185	65	24	this	this	DET
easat-6185	65	25	heightened	heighten	VERB
easat-6185	65	26	risk	risk	NOUN
easat-6185	65	27	can	can	AUX
easat-6185	65	28	translate	translate	VERB
easat-6185	65	29	into	into	ADP
easat-6185	65	30	a	a	DET
easat-6185	65	31	higher	high	ADJ
easat-6185	65	32	npl	npl	NOUN
easat-6185	65	33	ratios	ratio	NOUN
easat-6185	65	34	(	(	PUNCT
easat-6185	65	35	e.g.	e.g.	ADV
easat-6185	65	36	,	,	PUNCT
easat-6185	65	37	klein	klein	PROPN
easat-6185	66	1	[	[	X
easat-6185	66	2	15	15	NUM
easat-6185	66	3	]	]	NUM
easat-6185	66	4	)	)	PUNCT
easat-6185	66	5	.	.	PUNCT
easat-6185	67	1	specifically	specifically	ADV
easat-6185	67	2	,	,	PUNCT
easat-6185	67	3	excessive	excessive	ADJ
easat-6185	67	4	loan	loan	NOUN
easat-6185	67	5	growth	growth	NOUN
easat-6185	67	6	,	,	PUNCT
easat-6185	67	7	particularly	particularly	ADV
easat-6185	67	8	when	when	SCONJ
easat-6185	67	9	driven	drive	VERB
easat-6185	67	10	by	by	ADP
easat-6185	67	11	aggressive	aggressive	ADJ
easat-6185	67	12	lending	lending	NOUN
easat-6185	67	13	practices	practice	NOUN
easat-6185	67	14	to	to	PART
easat-6185	67	15	meet	meet	VERB
easat-6185	67	16	performance	performance	NOUN
easat-6185	67	17	targets	target	NOUN
easat-6185	67	18	,	,	PUNCT
easat-6185	67	19	can	can	AUX
easat-6185	67	20	deteriorate	deteriorate	VERB
easat-6185	67	21	loan	loan	NOUN
easat-6185	67	22	portfolio	portfolio	NOUN
easat-6185	67	23	quality	quality	NOUN
easat-6185	67	24	and	and	CCONJ
easat-6185	67	25	contribute	contribute	VERB
easat-6185	67	26	to	to	ADP
easat-6185	67	27	rising	rise	VERB
easat-6185	67	28	npls	npls	NOUN
easat-6185	68	1	[	[	X
easat-6185	68	2	16	16	NUM
easat-6185	68	3	]	]	PUNCT
easat-6185	68	4	.	.	PUNCT
easat-6185	69	1	furthermore	furthermore	ADV
easat-6185	69	2	,	,	PUNCT
easat-6185	69	3	a	a	DET
easat-6185	69	4	high	high	ADJ
easat-6185	69	5	lar	lar	NOUN
easat-6185	69	6	can	can	AUX
easat-6185	69	7	restrict	restrict	VERB
easat-6185	69	8	a	a	DET
easat-6185	69	9	bank	bank	NOUN
easat-6185	69	10	's	's	PART
easat-6185	69	11	ability	ability	NOUN
easat-6185	69	12	to	to	PART
easat-6185	69	13	absorb	absorb	VERB
easat-6185	69	14	unexpected	unexpected	ADJ
easat-6185	69	15	losses	loss	NOUN
easat-6185	69	16	,	,	PUNCT
easat-6185	69	17	amplifying	amplify	VERB
easat-6185	69	18	the	the	DET
easat-6185	69	19	negative	negative	ADJ
easat-6185	69	20	impact	impact	NOUN
easat-6185	69	21	of	of	ADP
easat-6185	69	22	economic	economic	ADJ
easat-6185	69	23	downturns	downturn	NOUN
easat-6185	69	24	on	on	ADP
easat-6185	69	25	asset	asset	NOUN
easat-6185	69	26	quality	quality	NOUN
easat-6185	69	27	and	and	CCONJ
easat-6185	69	28	further	far	ADV
easat-6185	69	29	exacerbating	exacerbate	VERB
easat-6185	69	30	npl	npl	NOUN
easat-6185	69	31	ratios	ratio	NOUN
easat-6185	69	32	[	[	X
easat-6185	69	33	17	17	NUM
easat-6185	69	34	]	]	PUNCT
easat-6185	69	35	.	.	PUNCT
easat-6185	70	1	this	this	DET
easat-6185	70	2	conflicting	conflicting	ADJ
easat-6185	70	3	evidence	evidence	NOUN
easat-6185	70	4	necessitates	necessitate	VERB
easat-6185	70	5	further	further	ADJ
easat-6185	70	6	investigation	investigation	NOUN
easat-6185	70	7	to	to	PART
easat-6185	70	8	determine	determine	VERB
easat-6185	70	9	the	the	DET
easat-6185	70	10	specific	specific	ADJ
easat-6185	70	11	contextual	contextual	ADJ
easat-6185	70	12	factors	factor	NOUN
easat-6185	70	13	that	that	PRON
easat-6185	70	14	influence	influence	VERB
easat-6185	70	15	the	the	DET
easat-6185	70	16	direction	direction	NOUN
easat-6185	70	17	of	of	ADP
easat-6185	70	18	the	the	DET
easat-6185	70	19	lar	lar	ADJ
easat-6185	70	20	-	-	PUNCT
easat-6185	70	21	npl	npl	PROPN
easat-6185	70	22	ratios	ratio	NOUN
easat-6185	70	23	relationship	relationship	NOUN
easat-6185	70	24	.	.	PUNCT
easat-6185	71	1	2.3	2.3	NUM
easat-6185	71	2	.	.	PUNCT
easat-6185	72	1	cost	cost	NOUN
easat-6185	72	2	,	,	PUNCT
easat-6185	72	3	income	income	NOUN
easat-6185	72	4	and	and	CCONJ
easat-6185	72	5	npl	npl	VERB
easat-6185	72	6	the	the	DET
easat-6185	72	7	relationship	relationship	NOUN
easat-6185	72	8	between	between	ADP
easat-6185	72	9	cost	cost	NOUN
easat-6185	72	10	-	-	PUNCT
easat-6185	72	11	to	to	ADP
easat-6185	72	12	-	-	PUNCT
easat-6185	72	13	income	income	NOUN
easat-6185	72	14	ratio	ratio	NOUN
easat-6185	72	15	(	(	PUNCT
easat-6185	72	16	cir	cir	NOUN
easat-6185	72	17	)	)	PUNCT
easat-6185	72	18	and	and	CCONJ
easat-6185	72	19	npl	npl	PROPN
easat-6185	72	20	ratio	ratio	NOUN
easat-6185	72	21	in	in	ADP
easat-6185	72	22	commercial	commercial	ADJ
easat-6185	72	23	banks	bank	NOUN
easat-6185	72	24	remains	remain	VERB
easat-6185	72	25	a	a	DET
easat-6185	72	26	subject	subject	NOUN
easat-6185	72	27	of	of	ADP
easat-6185	72	28	ongoing	ongoing	ADJ
easat-6185	72	29	debate	debate	NOUN
easat-6185	72	30	.	.	PUNCT
easat-6185	73	1	while	while	SCONJ
easat-6185	73	2	some	some	DET
easat-6185	73	3	studies	study	NOUN
easat-6185	73	4	posit	posit	VERB
easat-6185	73	5	a	a	DET
easat-6185	73	6	positive	positive	ADJ
easat-6185	73	7	correlation	correlation	NOUN
easat-6185	73	8	,	,	PUNCT
easat-6185	73	9	suggesting	suggest	VERB
easat-6185	73	10	that	that	SCONJ
easat-6185	73	11	higher	high	ADJ
easat-6185	73	12	operational	operational	ADJ
easat-6185	73	13	inefficiency	inefficiency	NOUN
easat-6185	73	14	(	(	PUNCT
easat-6185	73	15	higher	high	ADJ
easat-6185	73	16	cir	cir	NOUN
easat-6185	73	17	)	)	PUNCT
easat-6185	73	18	leads	lead	VERB
easat-6185	73	19	to	to	ADP
easat-6185	73	20	compromised	compromise	VERB
easat-6185	73	21	lending	lending	NOUN
easat-6185	73	22	practices	practice	NOUN
easat-6185	73	23	and	and	CCONJ
easat-6185	73	24	subsequently	subsequently	ADV
easat-6185	73	25	higher	high	ADJ
easat-6185	73	26	npl	npl	PROPN
easat-6185	73	27	,	,	PUNCT
easat-6185	73	28	others	other	NOUN
easat-6185	73	29	contend	contend	VERB
easat-6185	73	30	a	a	DET
easat-6185	73	31	negative	negative	ADJ
easat-6185	73	32	relationship	relationship	NOUN
easat-6185	73	33	.	.	PUNCT
easat-6185	74	1	this	this	DET
easat-6185	74	2	contrasting	contrast	VERB
easat-6185	74	3	perspective	perspective	NOUN
easat-6185	74	4	suggests	suggest	VERB
easat-6185	74	5	that	that	SCONJ
easat-6185	74	6	efficient	efficient	ADJ
easat-6185	74	7	banks	bank	NOUN
easat-6185	74	8	(	(	PUNCT
easat-6185	74	9	lower	low	ADJ
easat-6185	74	10	cir	cir	NOUN
easat-6185	74	11	)	)	PUNCT
easat-6185	74	12	might	might	AUX
easat-6185	74	13	engage	engage	VERB
easat-6185	74	14	in	in	ADP
easat-6185	74	15	aggressive	aggressive	ADJ
easat-6185	74	16	lending	lending	NOUN
easat-6185	74	17	,	,	PUNCT
easat-6185	74	18	potentially	potentially	ADV
easat-6185	74	19	increasing	increase	VERB
easat-6185	74	20	npl	npl	NOUN
easat-6185	74	21	.	.	PUNCT
easat-6185	75	1	supporting	support	VERB
easat-6185	75	2	the	the	DET
easat-6185	75	3	positive	positive	ADJ
easat-6185	75	4	relationship	relationship	NOUN
easat-6185	75	5	,	,	PUNCT
easat-6185	75	6	a	a	DET
easat-6185	75	7	study	study	NOUN
easat-6185	75	8	by	by	ADP
easat-6185	75	9	kumar	kumar	PROPN
easat-6185	75	10	,	,	PUNCT
easat-6185	75	11	et	et	PROPN
easat-6185	75	12	al	al	PROPN
easat-6185	75	13	.	.	PUNCT
easat-6185	76	1	[	[	X
easat-6185	76	2	18	18	NUM
easat-6185	76	3	]	]	PUNCT
easat-6185	76	4	on	on	ADP
easat-6185	76	5	indian	indian	ADJ
easat-6185	76	6	banks	bank	NOUN
easat-6185	76	7	found	find	VERB
easat-6185	76	8	a	a	DET
easat-6185	76	9	significant	significant	ADJ
easat-6185	76	10	positive	positive	ADJ
easat-6185	76	11	correlation	correlation	NOUN
easat-6185	76	12	between	between	ADP
easat-6185	76	13	cir	cir	NOUN
easat-6185	76	14	and	and	CCONJ
easat-6185	76	15	npl	npl	PROPN
easat-6185	76	16	ratio	ratio	NOUN
easat-6185	76	17	,	,	PUNCT
easat-6185	76	18	attributing	attribute	VERB
easat-6185	76	19	it	it	PRON
easat-6185	76	20	to	to	PART
easat-6185	76	21	weakened	weaken	VERB
easat-6185	76	22	risk	risk	NOUN
easat-6185	76	23	management	management	NOUN
easat-6185	76	24	in	in	ADP
easat-6185	76	25	inefficient	inefficient	ADJ
easat-6185	76	26	banks	bank	NOUN
easat-6185	76	27	.	.	PUNCT
easat-6185	77	1	similarly	similarly	ADV
easat-6185	77	2	,	,	PUNCT
easat-6185	77	3	ahmad	ahmad	PROPN
easat-6185	77	4	and	and	CCONJ
easat-6185	77	5	bashir	bashir	NOUN
easat-6185	78	1	[	[	X
easat-6185	78	2	19	19	NUM
easat-6185	78	3	]	]	PUNCT
easat-6185	78	4	observed	observe	VERB
easat-6185	78	5	a	a	DET
easat-6185	78	6	positive	positive	ADJ
easat-6185	78	7	link	link	NOUN
easat-6185	78	8	in	in	ADP
easat-6185	78	9	pakistani	pakistani	ADJ
easat-6185	78	10	banks	bank	NOUN
easat-6185	78	11	,	,	PUNCT
easat-6185	78	12	arguing	argue	VERB
easat-6185	78	13	that	that	SCONJ
easat-6185	78	14	higher	high	ADJ
easat-6185	78	15	cir	cir	NOUN
easat-6185	78	16	reflects	reflect	VERB
easat-6185	78	17	inadequate	inadequate	ADJ
easat-6185	78	18	cost	cost	NOUN
easat-6185	78	19	control	control	NOUN
easat-6185	78	20	,	,	PUNCT
easat-6185	78	21	potentially	potentially	ADV
easat-6185	78	22	leading	lead	VERB
easat-6185	78	23	to	to	ADP
easat-6185	78	24	higher	high	ADJ
easat-6185	78	25	loan	loan	NOUN
easat-6185	78	26	defaults	default	NOUN
easat-6185	78	27	.	.	PUNCT
easat-6185	79	1	conversely	conversely	ADV
easat-6185	79	2	,	,	PUNCT
easat-6185	79	3	research	research	NOUN
easat-6185	79	4	by	by	ADP
easat-6185	79	5	nguyen	nguyen	NOUN
easat-6185	79	6	and	and	CCONJ
easat-6185	79	7	pham	pham	PROPN
easat-6185	80	1	[	[	X
easat-6185	80	2	3	3	X
easat-6185	80	3	]	]	PUNCT
easat-6185	80	4	on	on	ADP
easat-6185	80	5	vietnamese	vietnamese	ADJ
easat-6185	80	6	banks	bank	NOUN
easat-6185	80	7	revealed	reveal	VERB
easat-6185	80	8	a	a	DET
easat-6185	80	9	negative	negative	ADJ
easat-6185	80	10	relationship	relationship	NOUN
easat-6185	80	11	.	.	PUNCT
easat-6185	81	1	they	they	PRON
easat-6185	81	2	argued	argue	VERB
easat-6185	81	3	that	that	SCONJ
easat-6185	81	4	efficient	efficient	ADJ
easat-6185	81	5	banks	bank	NOUN
easat-6185	81	6	,	,	PUNCT
easat-6185	81	7	with	with	ADP
easat-6185	81	8	lower	low	ADJ
easat-6185	81	9	cir	cir	NOUN
easat-6185	81	10	,	,	PUNCT
easat-6185	81	11	might	might	AUX
easat-6185	81	12	pursue	pursue	VERB
easat-6185	81	13	rapid	rapid	ADJ
easat-6185	81	14	loan	loan	NOUN
easat-6185	81	15	growth	growth	NOUN
easat-6185	81	16	,	,	PUNCT
easat-6185	81	17	accepting	accept	VERB
easat-6185	81	18	higher	high	ADJ
easat-6185	81	19	risk	risk	NOUN
easat-6185	81	20	and	and	CCONJ
easat-6185	81	21	consequently	consequently	ADV
easat-6185	81	22	leading	lead	VERB
easat-6185	81	23	to	to	ADP
easat-6185	81	24	higher	high	ADJ
easat-6185	81	25	npl	npl	PROPN
easat-6185	81	26	ratios	ratio	NOUN
easat-6185	81	27	.	.	PUNCT
easat-6185	82	1	a	a	DET
easat-6185	82	2	study	study	NOUN
easat-6185	82	3	by	by	ADP
easat-6185	82	4	islam	islam	PROPN
easat-6185	82	5	and	and	CCONJ
easat-6185	82	6	khan	khan	PROPN
easat-6185	82	7	[	[	X
easat-6185	82	8	20	20	NUM
easat-6185	82	9	]	]	PUNCT
easat-6185	82	10	echoed	echo	VERB
easat-6185	82	11	these	these	DET
easat-6185	82	12	findings	finding	NOUN
easat-6185	82	13	in	in	ADP
easat-6185	82	14	the	the	DET
easat-6185	82	15	context	context	NOUN
easat-6185	82	16	of	of	ADP
easat-6185	82	17	bangladeshi	bangladeshi	ADJ
easat-6185	82	18	banks	bank	NOUN
easat-6185	82	19	,	,	PUNCT
easat-6185	82	20	suggesting	suggest	VERB
easat-6185	82	21	that	that	SCONJ
easat-6185	82	22	lower	low	ADJ
easat-6185	82	23	cir	cir	NOUN
easat-6185	82	24	could	could	AUX
easat-6185	82	25	indicate	indicate	VERB
easat-6185	82	26	aggressive	aggressive	ADJ
easat-6185	82	27	lending	lending	NOUN
easat-6185	82	28	practices	practice	NOUN
easat-6185	82	29	aimed	aim	VERB
easat-6185	82	30	at	at	ADP
easat-6185	82	31	maximizing	maximize	VERB
easat-6185	82	32	profits	profit	NOUN
easat-6185	82	33	,	,	PUNCT
easat-6185	82	34	potentially	potentially	ADV
easat-6185	82	35	overlooking	overlook	VERB
easat-6185	82	36	risk	risk	NOUN
easat-6185	82	37	assessment	assessment	NOUN
easat-6185	82	38	.	.	PUNCT
easat-6185	83	1	this	this	DET
easat-6185	83	2	divergence	divergence	NOUN
easat-6185	83	3	in	in	ADP
easat-6185	83	4	findings	finding	NOUN
easat-6185	83	5	highlights	highlight	NOUN
easat-6185	83	6	the	the	DET
easat-6185	83	7	complex	complex	ADJ
easat-6185	83	8	interplay	interplay	NOUN
easat-6185	83	9	between	between	ADP
easat-6185	83	10	cir	cir	NOUN
easat-6185	83	11	and	and	CCONJ
easat-6185	83	12	npl	npl	PROPN
easat-6185	83	13	ratio	ratio	NOUN
easat-6185	83	14	,	,	PUNCT
easat-6185	83	15	influenced	influence	VERB
easat-6185	83	16	by	by	ADP
easat-6185	83	17	factors	factor	NOUN
easat-6185	83	18	such	such	ADJ
easat-6185	83	19	as	as	ADP
easat-6185	83	20	bank	bank	NOUN
easat-6185	83	21	-	-	PUNCT
easat-6185	83	22	specific	specific	ADJ
easat-6185	83	23	characteristics	characteristic	NOUN
easat-6185	83	24	,	,	PUNCT
easat-6185	83	25	macroeconomic	macroeconomic	ADJ
easat-6185	83	26	conditions	condition	NOUN
easat-6185	83	27	,	,	PUNCT
easat-6185	83	28	and	and	CCONJ
easat-6185	83	29	regulatory	regulatory	ADJ
easat-6185	83	30	environment	environment	NOUN
easat-6185	83	31	.	.	PUNCT
easat-6185	84	1	further	further	ADJ
easat-6185	84	2	research	research	NOUN
easat-6185	84	3	incorporating	incorporate	VERB
easat-6185	84	4	these	these	DET
easat-6185	84	5	contextual	contextual	ADJ
easat-6185	84	6	factors	factor	NOUN
easat-6185	84	7	is	be	AUX
easat-6185	84	8	needed	need	VERB
easat-6185	84	9	to	to	PART
easat-6185	84	10	provide	provide	VERB
easat-6185	84	11	a	a	DET
easat-6185	84	12	more	more	ADV
easat-6185	84	13	nuanced	nuanced	ADJ
easat-6185	84	14	understanding	understanding	NOUN
easat-6185	84	15	of	of	ADP
easat-6185	84	16	this	this	DET
easat-6185	84	17	critical	critical	ADJ
easat-6185	84	18	relationship	relationship	NOUN
easat-6185	84	19	.	.	PUNCT
easat-6185	85	1	2.4	2.4	NUM
easat-6185	85	2	.	.	PUNCT
easat-6185	85	3	capital	capital	NOUN
easat-6185	85	4	adequacy	adequacy	NOUN
easat-6185	85	5	ratio	ratio	NOUN
easat-6185	85	6	and	and	CCONJ
easat-6185	85	7	npl	npl	VERB
easat-6185	85	8	the	the	DET
easat-6185	85	9	relationship	relationship	NOUN
easat-6185	85	10	between	between	ADP
easat-6185	85	11	capital	capital	NOUN
easat-6185	85	12	adequacy	adequacy	NOUN
easat-6185	85	13	ratio	ratio	NOUN
easat-6185	85	14	(	(	PUNCT
easat-6185	85	15	car	car	NOUN
easat-6185	85	16	)	)	PUNCT
easat-6185	85	17	and	and	CCONJ
easat-6185	85	18	npl	npl	PROPN
easat-6185	85	19	ratio	ratio	NOUN
easat-6185	85	20	in	in	ADP
easat-6185	85	21	commercial	commercial	ADJ
easat-6185	85	22	banks	bank	NOUN
easat-6185	85	23	is	be	AUX
easat-6185	85	24	a	a	DET
easat-6185	85	25	complex	complex	ADJ
easat-6185	85	26	and	and	CCONJ
easat-6185	85	27	contested	contested	ADJ
easat-6185	85	28	issue	issue	NOUN
easat-6185	85	29	in	in	ADP
easat-6185	85	30	banking	banking	NOUN
easat-6185	85	31	literature	literature	NOUN
easat-6185	85	32	.	.	PUNCT
easat-6185	86	1	a	a	DET
easat-6185	86	2	strand	strand	NOUN
easat-6185	86	3	of	of	ADP
easat-6185	86	4	research	research	NOUN
easat-6185	86	5	suggests	suggest	VERB
easat-6185	86	6	a	a	DET
easat-6185	86	7	negative	negative	ADJ
easat-6185	86	8	relationship	relationship	NOUN
easat-6185	86	9	,	,	PUNCT
easat-6185	86	10	arguing	argue	VERB
easat-6185	86	11	that	that	SCONJ
easat-6185	86	12	well	well	ADV
easat-6185	86	13	-	-	PUNCT
easat-6185	86	14	capitalized	capitalize	VERB
easat-6185	86	15	banks	bank	NOUN
easat-6185	86	16	are	be	AUX
easat-6185	86	17	more	more	ADV
easat-6185	86	18	prudent	prudent	ADJ
easat-6185	86	19	in	in	ADP
easat-6185	86	20	lending	lending	NOUN
easat-6185	86	21	,	,	PUNCT
easat-6185	86	22	leading	lead	VERB
easat-6185	86	23	to	to	ADP
easat-6185	86	24	lower	low	ADJ
easat-6185	86	25	npls	npls	NOUN
easat-6185	86	26	.	.	PUNCT
easat-6185	87	1	studies	study	NOUN
easat-6185	87	2	like	like	ADP
easat-6185	87	3	abbas	abbas	PROPN
easat-6185	87	4	,	,	PUNCT
easat-6185	87	5	et	et	PROPN
easat-6185	87	6	al	al	PROPN
easat-6185	87	7	.	.	PUNCT
easat-6185	88	1	[	[	X
easat-6185	88	2	21	21	NUM
easat-6185	88	3	]	]	PUNCT
easat-6185	88	4	and	and	CCONJ
easat-6185	88	5	bougatef	bougatef	PROPN
easat-6185	88	6	[	[	X
easat-6185	88	7	22	22	NUM
easat-6185	88	8	]	]	X
easat-6185	88	9	utilizing	utilize	VERB
easat-6185	88	10	panel	panel	NOUN
easat-6185	88	11	data	datum	NOUN
easat-6185	88	12	analysis	analysis	NOUN
easat-6185	88	13	across	across	ADP
easat-6185	88	14	multiple	multiple	ADJ
easat-6185	88	15	countries	country	NOUN
easat-6185	88	16	find	find	VERB
easat-6185	88	17	a	a	DET
easat-6185	88	18	statistically	statistically	ADV
easat-6185	88	19	significant	significant	ADJ
easat-6185	88	20	negative	negative	ADJ
easat-6185	88	21	relationship	relationship	NOUN
easat-6185	88	22	between	between	ADP
easat-6185	88	23	car	car	NOUN
easat-6185	88	24	and	and	CCONJ
easat-6185	88	25	npl	npl	NOUN
easat-6185	88	26	ratio	ratio	NOUN
easat-6185	88	27	,	,	PUNCT
easat-6185	88	28	indicating	indicate	VERB
easat-6185	88	29	that	that	SCONJ
easat-6185	88	30	higher	high	ADJ
easat-6185	88	31	car	car	NOUN
easat-6185	88	32	leads	lead	VERB
easat-6185	88	33	to	to	ADP
easat-6185	88	34	lower	low	ADJ
easat-6185	88	35	npls	npls	NOUN
easat-6185	88	36	.	.	PUNCT
easat-6185	89	1	this	this	PRON
easat-6185	89	2	is	be	AUX
easat-6185	89	3	often	often	ADV
easat-6185	89	4	attributed	attribute	VERB
easat-6185	89	5	to	to	ADP
easat-6185	89	6	the	the	DET
easat-6185	89	7	"	"	PUNCT
easat-6185	89	8	moral	moral	ADJ
easat-6185	89	9	hazard	hazard	NOUN
easat-6185	89	10	"	"	PUNCT
easat-6185	89	11	effect	effect	NOUN
easat-6185	89	12	,	,	PUNCT
easat-6185	89	13	where	where	SCONJ
easat-6185	89	14	higher	high	ADJ
easat-6185	89	15	capitalization	capitalization	NOUN
easat-6185	89	16	incentivizes	incentivize	VERB
easat-6185	89	17	banks	bank	NOUN
easat-6185	89	18	to	to	PART
easat-6185	89	19	avoid	avoid	VERB
easat-6185	89	20	excessive	excessive	ADJ
easat-6185	89	21	risk	risk	NOUN
easat-6185	89	22	-	-	PUNCT
easat-6185	89	23	taking	taking	NOUN
easat-6185	89	24	.	.	PUNCT
easat-6185	90	1	however	however	ADV
easat-6185	90	2	,	,	PUNCT
easat-6185	90	3	an	an	DET
easat-6185	90	4	alternative	alternative	ADJ
easat-6185	90	5	perspective	perspective	NOUN
easat-6185	90	6	suggests	suggest	VERB
easat-6185	90	7	a	a	DET
easat-6185	90	8	positive	positive	ADJ
easat-6185	90	9	or	or	CCONJ
easat-6185	90	10	insignificant	insignificant	ADJ
easat-6185	90	11	relationship	relationship	NOUN
easat-6185	90	12	.	.	PUNCT
easat-6185	91	1	some	some	DET
easat-6185	91	2	studies	study	NOUN
easat-6185	91	3	,	,	PUNCT
easat-6185	91	4	such	such	ADJ
easat-6185	91	5	as	as	ADP
easat-6185	91	6	dietrich	dietrich	PROPN
easat-6185	91	7	and	and	CCONJ
easat-6185	91	8	wanzenried	wanzenrie	VERB
easat-6185	91	9	[	[	PUNCT
easat-6185	91	10	23	23	NUM
easat-6185	91	11	]	]	PUNCT
easat-6185	91	12	argued	argue	VERB
easat-6185	91	13	that	that	SCONJ
easat-6185	91	14	excessively	excessively	ADV
easat-6185	91	15	high	high	ADJ
easat-6185	91	16	car	car	NOUN
easat-6185	91	17	could	could	AUX
easat-6185	91	18	incentivize	incentivize	VERB
easat-6185	91	19	banks	bank	NOUN
easat-6185	91	20	to	to	PART
easat-6185	91	21	engage	engage	VERB
easat-6185	91	22	in	in	ADP
easat-6185	91	23	riskier	risky	ADJ
easat-6185	91	24	lending	lending	NOUN
easat-6185	91	25	practices	practice	NOUN
easat-6185	91	26	to	to	PART
easat-6185	91	27	achieve	achieve	VERB
easat-6185	91	28	higher	high	ADJ
easat-6185	91	29	returns	return	NOUN
easat-6185	91	30	,	,	PUNCT
easat-6185	91	31	potentially	potentially	ADV
easat-6185	91	32	leading	lead	VERB
easat-6185	91	33	to	to	ADP
easat-6185	91	34	increased	increase	VERB
easat-6185	91	35	npls	npls	NOUN
easat-6185	91	36	.	.	PUNCT
easat-6185	92	1	this	this	DET
easat-6185	92	2	"	"	PUNCT
easat-6185	92	3	regulatory	regulatory	ADJ
easat-6185	92	4	arbitrage	arbitrage	NOUN
easat-6185	92	5	"	"	PUNCT
easat-6185	92	6	effect	effect	NOUN
easat-6185	92	7	postulates	postulate	VERB
easat-6185	92	8	that	that	SCONJ
easat-6185	92	9	banks	bank	NOUN
easat-6185	92	10	might	might	AUX
easat-6185	92	11	shift	shift	VERB
easat-6185	92	12	towards	towards	ADP
easat-6185	92	13	riskier	risky	ADJ
easat-6185	92	14	assets	asset	NOUN
easat-6185	92	15	to	to	PART
easat-6185	92	16	compensate	compensate	VERB
easat-6185	92	17	for	for	ADP
easat-6185	92	18	the	the	DET
easat-6185	92	19	opportunity	opportunity	NOUN
easat-6185	92	20	cost	cost	NOUN
easat-6185	92	21	of	of	ADP
easat-6185	92	22	holding	hold	VERB
easat-6185	92	23	high	high	ADJ
easat-6185	92	24	capital	capital	NOUN
easat-6185	92	25	.	.	PUNCT
easat-6185	93	1	furthermore	furthermore	ADV
easat-6185	93	2	,	,	PUNCT
easat-6185	93	3	studies	study	NOUN
easat-6185	93	4	examining	examine	VERB
easat-6185	93	5	specific	specific	ADJ
easat-6185	93	6	contexts	context	NOUN
easat-6185	93	7	,	,	PUNCT
easat-6185	93	8	like	like	ADP
easat-6185	93	9	developing	develop	VERB
easat-6185	93	10	economies	economy	NOUN
easat-6185	93	11	,	,	PUNCT
easat-6185	93	12	have	have	AUX
easat-6185	93	13	found	find	VERB
easat-6185	93	14	a	a	DET
easat-6185	93	15	weaker	weak	ADJ
easat-6185	93	16	or	or	CCONJ
easat-6185	93	17	even	even	ADV
easat-6185	93	18	positive	positive	ADJ
easat-6185	93	19	relationship	relationship	NOUN
easat-6185	93	20	(	(	PUNCT
easat-6185	93	21	e.g.	e.g.	ADV
easat-6185	93	22	,	,	PUNCT
easat-6185	93	23	noman	noman	PROPN
easat-6185	93	24	,	,	PUNCT
easat-6185	93	25	et	et	PROPN
easat-6185	93	26	al	al	PROPN
easat-6185	93	27	.	.	PUNCT
easat-6185	94	1	[	[	X
easat-6185	94	2	24	24	NUM
easat-6185	94	3	]	]	PUNCT
easat-6185	94	4	)	)	PUNCT
easat-6185	94	5	.	.	PUNCT
easat-6185	95	1	these	these	DET
easat-6185	95	2	findings	finding	NOUN
easat-6185	95	3	highlight	highlight	VERB
easat-6185	95	4	the	the	DET
easat-6185	95	5	importance	importance	NOUN
easat-6185	95	6	of	of	ADP
easat-6185	95	7	considering	consider	VERB
easat-6185	95	8	contextual	contextual	ADJ
easat-6185	95	9	factors	factor	NOUN
easat-6185	95	10	,	,	PUNCT
easat-6185	95	11	such	such	ADJ
easat-6185	95	12	as	as	ADP
easat-6185	95	13	regulatory	regulatory	ADJ
easat-6185	95	14	environment	environment	NOUN
easat-6185	95	15	and	and	CCONJ
easat-6185	95	16	macroeconomic	macroeconomic	ADJ
easat-6185	95	17	conditions	condition	NOUN
easat-6185	95	18	,	,	PUNCT
easat-6185	95	19	when	when	SCONJ
easat-6185	95	20	analyzing	analyze	VERB
easat-6185	95	21	the	the	DET
easat-6185	95	22	car	car	NOUN
easat-6185	95	23	-	-	PUNCT
easat-6185	95	24	npl	npl	NOUN
easat-6185	95	25	relationship	relationship	NOUN
easat-6185	95	26	.	.	PUNCT
easat-6185	96	1	further	further	ADJ
easat-6185	96	2	research	research	NOUN
easat-6185	96	3	is	be	AUX
easat-6185	96	4	needed	need	VERB
easat-6185	96	5	to	to	PART
easat-6185	96	6	fully	fully	ADV
easat-6185	96	7	understand	understand	VERB
easat-6185	96	8	the	the	DET
easat-6185	96	9	nuances	nuance	NOUN
easat-6185	96	10	of	of	ADP
easat-6185	96	11	this	this	DET
easat-6185	96	12	relationship	relationship	NOUN
easat-6185	96	13	and	and	CCONJ
easat-6185	96	14	its	its	PRON
easat-6185	96	15	implications	implication	NOUN
easat-6185	96	16	for	for	ADP
easat-6185	96	17	bank	bank	NOUN
easat-6185	96	18	stability	stability	NOUN
easat-6185	96	19	and	and	CCONJ
easat-6185	96	20	financial	financial	ADJ
easat-6185	96	21	regulation	regulation	NOUN
easat-6185	96	22	.	.	PUNCT
easat-6185	97	1	2.6	2.6	NUM
easat-6185	97	2	.	.	PUNCT
easat-6185	97	3	deposit	deposit	NOUN
easat-6185	97	4	to	to	PART
easat-6185	97	5	total	total	VERB
easat-6185	97	6	asset	asset	NOUN
easat-6185	97	7	ratio	ratio	NOUN
easat-6185	97	8	and	and	CCONJ
easat-6185	97	9	npl	npl	VERB
easat-6185	97	10	the	the	DET
easat-6185	97	11	relationship	relationship	NOUN
easat-6185	97	12	between	between	ADP
easat-6185	97	13	the	the	DET
easat-6185	97	14	deposit	deposit	NOUN
easat-6185	97	15	to	to	PART
easat-6185	97	16	total	total	VERB
easat-6185	97	17	asset	asset	NOUN
easat-6185	97	18	ratio	ratio	NOUN
easat-6185	97	19	(	(	PUNCT
easat-6185	97	20	dta	dta	PROPN
easat-6185	97	21	)	)	PUNCT
easat-6185	97	22	and	and	CCONJ
easat-6185	97	23	npl	npl	PROPN
easat-6185	97	24	ratio	ratio	NOUN
easat-6185	97	25	of	of	ADP
easat-6185	97	26	commercial	commercial	ADJ
easat-6185	97	27	banks	bank	NOUN
easat-6185	97	28	remains	remain	VERB
easat-6185	97	29	a	a	DET
easat-6185	97	30	contested	contested	ADJ
easat-6185	97	31	issue	issue	NOUN
easat-6185	97	32	in	in	ADP
easat-6185	97	33	the	the	DET
easat-6185	97	34	literature	literature	NOUN
easat-6185	97	35	.	.	PUNCT
easat-6185	98	1	some	some	DET
easat-6185	98	2	studies	study	NOUN
easat-6185	98	3	suggest	suggest	VERB
easat-6185	98	4	a	a	DET
easat-6185	98	5	negative	negative	ADJ
easat-6185	98	6	relationship	relationship	NOUN
easat-6185	98	7	,	,	PUNCT
easat-6185	98	8	positing	posit	VERB
easat-6185	98	9	that	that	SCONJ
easat-6185	98	10	a	a	DET
easat-6185	98	11	1123	1123	NUM
easat-6185	98	12	edelweiss	edelweiss	PROPN
easat-6185	98	13	applied	apply	VERB
easat-6185	98	14	science	science	NOUN
easat-6185	98	15	and	and	CCONJ
easat-6185	98	16	technology	technology	NOUN
easat-6185	98	17	issn	issn	PROPN
easat-6185	98	18	:	:	PUNCT
easat-6185	98	19	2576	2576	NUM
easat-6185	98	20	-	-	SYM
easat-6185	98	21	8484	8484	NUM
easat-6185	98	22	vol	vol	NOUN
easat-6185	98	23	.	.	PROPN
easat-6185	99	1	9	9	NUM
easat-6185	99	2	,	,	PUNCT
easat-6185	99	3	no	no	INTJ
easat-6185	99	4	.	.	NOUN
easat-6185	99	5	4	4	NUM
easat-6185	99	6	:	:	SYM
easat-6185	99	7	1120	1120	NUM
easat-6185	99	8	-	-	SYM
easat-6185	99	9	1130	1130	NUM
easat-6185	99	10	,	,	PUNCT
easat-6185	99	11	2025	2025	NUM
easat-6185	99	12	doi	doi	NOUN
easat-6185	99	13	:	:	PUNCT
easat-6185	99	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	99	15	©	©	PROPN
easat-6185	99	16	2025	2025	NUM
easat-6185	99	17	by	by	ADP
easat-6185	99	18	the	the	DET
easat-6185	99	19	authors	author	NOUN
easat-6185	99	20	;	;	PUNCT
easat-6185	99	21	licensee	licensee	PROPN
easat-6185	99	22	learning	learning	NOUN
easat-6185	99	23	gate	gate	NOUN
easat-6185	99	24	higher	high	ADJ
easat-6185	99	25	dta	dta	PROPN
easat-6185	99	26	indicates	indicate	VERB
easat-6185	99	27	greater	great	ADJ
easat-6185	99	28	reliance	reliance	NOUN
easat-6185	99	29	on	on	ADP
easat-6185	99	30	stable	stable	ADJ
easat-6185	99	31	funding	funding	NOUN
easat-6185	99	32	,	,	PUNCT
easat-6185	99	33	reducing	reduce	VERB
easat-6185	99	34	risk	risk	NOUN
easat-6185	99	35	-	-	PUNCT
easat-6185	99	36	taking	taking	NOUN
easat-6185	99	37	and	and	CCONJ
easat-6185	99	38	subsequently	subsequently	ADV
easat-6185	99	39	npls	npls	NOUN
easat-6185	99	40	.	.	PUNCT
easat-6185	100	1	for	for	ADP
easat-6185	100	2	instance	instance	NOUN
easat-6185	100	3	,	,	PUNCT
easat-6185	100	4	dietrich	dietrich	PROPN
easat-6185	100	5	and	and	CCONJ
easat-6185	100	6	wanzenried	wanzenrie	VERB
easat-6185	100	7	[	[	PUNCT
easat-6185	100	8	23	23	NUM
easat-6185	100	9	]	]	PUNCT
easat-6185	100	10	found	find	VERB
easat-6185	100	11	that	that	SCONJ
easat-6185	100	12	higher	high	ADJ
easat-6185	100	13	deposit	deposit	NOUN
easat-6185	100	14	funding	funding	NOUN
easat-6185	100	15	leads	lead	VERB
easat-6185	100	16	to	to	ADP
easat-6185	100	17	lower	low	ADJ
easat-6185	100	18	npl	npl	NOUN
easat-6185	100	19	ratios	ratio	NOUN
easat-6185	100	20	,	,	PUNCT
easat-6185	100	21	attributing	attribute	VERB
easat-6185	100	22	this	this	PRON
easat-6185	100	23	to	to	ADP
easat-6185	100	24	reduced	reduce	VERB
easat-6185	100	25	moral	moral	ADJ
easat-6185	100	26	hazard	hazard	NOUN
easat-6185	100	27	incentives	incentive	NOUN
easat-6185	100	28	for	for	ADP
easat-6185	100	29	excessive	excessive	ADJ
easat-6185	100	30	lending	lending	NOUN
easat-6185	100	31	.	.	PUNCT
easat-6185	101	1	similarly	similarly	ADV
easat-6185	101	2	,	,	PUNCT
easat-6185	101	3	louzis	louzi	NOUN
easat-6185	101	4	,	,	PUNCT
easat-6185	101	5	et	et	PROPN
easat-6185	101	6	al	al	PROPN
easat-6185	101	7	.	.	PUNCT
easat-6185	102	1	[	[	X
easat-6185	102	2	25	25	NUM
easat-6185	102	3	]	]	PUNCT
easat-6185	102	4	using	use	VERB
easat-6185	102	5	a	a	DET
easat-6185	102	6	panel	panel	NOUN
easat-6185	102	7	of	of	ADP
easat-6185	102	8	european	european	ADJ
easat-6185	102	9	banks	bank	NOUN
easat-6185	102	10	,	,	PUNCT
easat-6185	102	11	confirmed	confirm	VERB
easat-6185	102	12	a	a	DET
easat-6185	102	13	negative	negative	ADJ
easat-6185	102	14	relationship	relationship	NOUN
easat-6185	102	15	between	between	ADP
easat-6185	102	16	dta	dta	PROPN
easat-6185	102	17	and	and	CCONJ
easat-6185	102	18	npls	npls	NOUN
easat-6185	102	19	,	,	PUNCT
easat-6185	102	20	highlighting	highlight	VERB
easat-6185	102	21	the	the	DET
easat-6185	102	22	stabilizing	stabilize	VERB
easat-6185	102	23	effect	effect	NOUN
easat-6185	102	24	of	of	ADP
easat-6185	102	25	deposit	deposit	NOUN
easat-6185	102	26	funding	funding	NOUN
easat-6185	102	27	.	.	PUNCT
easat-6185	103	1	conversely	conversely	ADV
easat-6185	103	2	,	,	PUNCT
easat-6185	103	3	other	other	ADJ
easat-6185	103	4	research	research	NOUN
easat-6185	103	5	argues	argue	VERB
easat-6185	103	6	for	for	ADP
easat-6185	103	7	a	a	DET
easat-6185	103	8	positive	positive	ADJ
easat-6185	103	9	or	or	CCONJ
easat-6185	103	10	insignificant	insignificant	ADJ
easat-6185	103	11	relationship	relationship	NOUN
easat-6185	103	12	.	.	PUNCT
easat-6185	104	1	some	some	PRON
easat-6185	104	2	argue	argue	VERB
easat-6185	104	3	that	that	SCONJ
easat-6185	104	4	a	a	DET
easat-6185	104	5	high	high	ADJ
easat-6185	104	6	dta	dta	NOUN
easat-6185	104	7	may	may	AUX
easat-6185	104	8	induce	induce	VERB
easat-6185	104	9	banks	bank	NOUN
easat-6185	104	10	to	to	PART
easat-6185	104	11	engage	engage	VERB
easat-6185	104	12	in	in	ADP
easat-6185	104	13	aggressive	aggressive	ADJ
easat-6185	104	14	lending	lending	NOUN
easat-6185	104	15	to	to	PART
easat-6185	104	16	deploy	deploy	VERB
easat-6185	104	17	excess	excess	ADJ
easat-6185	104	18	liquidity	liquidity	NOUN
easat-6185	104	19	,	,	PUNCT
easat-6185	104	20	potentially	potentially	ADV
easat-6185	104	21	increasing	increase	VERB
easat-6185	104	22	npls	npls	NOUN
easat-6185	104	23	.	.	PUNCT
easat-6185	105	1	furthermore	furthermore	ADV
easat-6185	105	2	,	,	PUNCT
easat-6185	105	3	banks	bank	NOUN
easat-6185	105	4	with	with	ADP
easat-6185	105	5	high	high	ADJ
easat-6185	105	6	dta	dta	NOUN
easat-6185	105	7	might	might	AUX
easat-6185	105	8	be	be	AUX
easat-6185	105	9	less	less	ADV
easat-6185	105	10	incentivized	incentivize	VERB
easat-6185	105	11	to	to	PART
easat-6185	105	12	monitor	monitor	VERB
easat-6185	105	13	loan	loan	NOUN
easat-6185	105	14	quality	quality	NOUN
easat-6185	105	15	due	due	ADP
easat-6185	105	16	to	to	ADP
easat-6185	105	17	perceived	perceive	VERB
easat-6185	105	18	lower	low	ADJ
easat-6185	105	19	risk	risk	NOUN
easat-6185	105	20	,	,	PUNCT
easat-6185	105	21	potentially	potentially	ADV
easat-6185	105	22	exacerbating	exacerbate	VERB
easat-6185	105	23	npls	npls	NOUN
easat-6185	105	24	.	.	PUNCT
easat-6185	106	1	empirical	empirical	ADJ
easat-6185	106	2	evidence	evidence	NOUN
easat-6185	106	3	supporting	support	VERB
easat-6185	106	4	this	this	DET
easat-6185	106	5	view	view	NOUN
easat-6185	106	6	remains	remain	VERB
easat-6185	106	7	limited	limited	ADJ
easat-6185	106	8	in	in	ADP
easat-6185	106	9	recent	recent	ADJ
easat-6185	106	10	literature	literature	NOUN
easat-6185	106	11	indexed	index	VERB
easat-6185	106	12	in	in	ADP
easat-6185	106	13	web	web	NOUN
easat-6185	106	14	of	of	ADP
easat-6185	106	15	science	science	NOUN
easat-6185	106	16	and	and	CCONJ
easat-6185	106	17	scopus	scopus	NOUN
easat-6185	106	18	within	within	ADP
easat-6185	106	19	the	the	DET
easat-6185	106	20	specified	specified	ADJ
easat-6185	106	21	timeframe	timeframe	NOUN
easat-6185	106	22	(	(	PUNCT
easat-6185	106	23	2018	2018	NUM
easat-6185	106	24	-	-	SYM
easat-6185	106	25	2024	2024	NUM
easat-6185	106	26	)	)	PUNCT
easat-6185	106	27	.	.	PUNCT
easat-6185	107	1	this	this	DET
easat-6185	107	2	scarcity	scarcity	NOUN
easat-6185	107	3	suggests	suggest	VERB
easat-6185	107	4	a	a	DET
easat-6185	107	5	potential	potential	ADJ
easat-6185	107	6	research	research	NOUN
easat-6185	107	7	gap	gap	NOUN
easat-6185	107	8	in	in	ADP
easat-6185	107	9	exploring	explore	VERB
easat-6185	107	10	the	the	DET
easat-6185	107	11	conditions	condition	NOUN
easat-6185	107	12	under	under	ADP
easat-6185	107	13	which	which	PRON
easat-6185	107	14	a	a	DET
easat-6185	107	15	high	high	ADJ
easat-6185	107	16	dta	dta	NOUN
easat-6185	107	17	might	might	AUX
easat-6185	107	18	contribute	contribute	VERB
easat-6185	107	19	to	to	ADP
easat-6185	107	20	increased	increase	VERB
easat-6185	107	21	npls	npls	NOUN
easat-6185	107	22	.	.	PUNCT
easat-6185	108	1	future	future	ADJ
easat-6185	108	2	research	research	NOUN
easat-6185	108	3	should	should	AUX
easat-6185	108	4	focus	focus	VERB
easat-6185	108	5	on	on	ADP
easat-6185	108	6	investigating	investigate	VERB
easat-6185	108	7	this	this	DET
easat-6185	108	8	nuanced	nuanced	ADJ
easat-6185	108	9	relationship	relationship	NOUN
easat-6185	108	10	across	across	ADP
easat-6185	108	11	different	different	ADJ
easat-6185	108	12	banking	banking	NOUN
easat-6185	108	13	systems	system	NOUN
easat-6185	108	14	and	and	CCONJ
easat-6185	108	15	economic	economic	ADJ
easat-6185	108	16	cycles	cycle	NOUN
easat-6185	108	17	,	,	PUNCT
easat-6185	108	18	considering	consider	VERB
easat-6185	108	19	factors	factor	NOUN
easat-6185	108	20	like	like	ADP
easat-6185	108	21	regulatory	regulatory	ADJ
easat-6185	108	22	frameworks	framework	NOUN
easat-6185	108	23	and	and	CCONJ
easat-6185	108	24	macroeconomic	macroeconomic	ADJ
easat-6185	108	25	conditions	condition	NOUN
easat-6185	108	26	.	.	PUNCT
easat-6185	109	1	3	3	X
easat-6185	109	2	.	.	X
easat-6185	109	3	methodology	methodology	NOUN
easat-6185	109	4	this	this	DET
easat-6185	109	5	study	study	NOUN
easat-6185	109	6	uses	use	VERB
easat-6185	109	7	a	a	DET
easat-6185	109	8	quantitative	quantitative	ADJ
easat-6185	109	9	approach	approach	NOUN
easat-6185	109	10	to	to	PART
easat-6185	109	11	examine	examine	VERB
easat-6185	109	12	how	how	SCONJ
easat-6185	109	13	income	income	NOUN
easat-6185	109	14	diversification	diversification	NOUN
easat-6185	109	15	affects	affect	VERB
easat-6185	109	16	the	the	DET
easat-6185	109	17	bad	bad	ADJ
easat-6185	109	18	debt	debt	NOUN
easat-6185	109	19	ratio	ratio	NOUN
easat-6185	109	20	of	of	ADP
easat-6185	109	21	southeast	southeast	ADJ
easat-6185	109	22	asian	asian	ADJ
easat-6185	109	23	listed	list	VERB
easat-6185	109	24	joint	joint	ADJ
easat-6185	109	25	stock	stock	NOUN
easat-6185	109	26	commercial	commercial	ADJ
easat-6185	109	27	banks	bank	NOUN
easat-6185	109	28	.	.	PUNCT
easat-6185	110	1	the	the	DET
easat-6185	110	2	study	study	NOUN
easat-6185	110	3	looks	look	VERB
easat-6185	110	4	at	at	ADP
easat-6185	110	5	secondary	secondary	ADJ
easat-6185	110	6	data	datum	NOUN
easat-6185	110	7	from	from	ADP
easat-6185	110	8	annual	annual	ADJ
easat-6185	110	9	public	public	ADJ
easat-6185	110	10	financial	financial	ADJ
easat-6185	110	11	reports	report	NOUN
easat-6185	110	12	to	to	PART
easat-6185	110	13	reflect	reflect	VERB
easat-6185	110	14	recent	recent	ADJ
easat-6185	110	15	changes	change	NOUN
easat-6185	110	16	in	in	ADP
easat-6185	110	17	the	the	DET
easat-6185	110	18	income	income	NOUN
easat-6185	110	19	diversification	diversification	NOUN
easat-6185	110	20	of	of	ADP
easat-6185	110	21	commercial	commercial	ADJ
easat-6185	110	22	banks	bank	NOUN
easat-6185	110	23	.	.	PUNCT
easat-6185	111	1	the	the	DET
easat-6185	111	2	study	study	NOUN
easat-6185	111	3	uses	use	VERB
easat-6185	111	4	a	a	DET
easat-6185	111	5	purposive	purposive	ADJ
easat-6185	111	6	sample	sample	NOUN
easat-6185	111	7	technique	technique	NOUN
easat-6185	111	8	and	and	CCONJ
easat-6185	111	9	focuses	focus	VERB
easat-6185	111	10	on	on	ADP
easat-6185	111	11	large	large	ADJ
easat-6185	111	12	joint	joint	ADJ
easat-6185	111	13	stock	stock	NOUN
easat-6185	111	14	commercial	commercial	ADJ
easat-6185	111	15	banks	bank	NOUN
easat-6185	111	16	with	with	ADP
easat-6185	111	17	significant	significant	ADJ
easat-6185	111	18	market	market	NOUN
easat-6185	111	19	shares	share	NOUN
easat-6185	111	20	in	in	ADP
easat-6185	111	21	southeast	southeast	ADJ
easat-6185	111	22	asian	asian	ADJ
easat-6185	111	23	countries	country	NOUN
easat-6185	111	24	.	.	PUNCT
easat-6185	112	1	a	a	DET
easat-6185	112	2	panel	panel	NOUN
easat-6185	112	3	dataset	dataset	VERB
easat-6185	112	4	of	of	ADP
easat-6185	112	5	65	65	NUM
easat-6185	112	6	southeast	southeast	ADJ
easat-6185	112	7	asian	asian	ADJ
easat-6185	112	8	listed	list	VERB
easat-6185	112	9	joint	joint	ADJ
easat-6185	112	10	-	-	PUNCT
easat-6185	112	11	stock	stock	NOUN
easat-6185	112	12	commercial	commercial	ADJ
easat-6185	112	13	banks	bank	NOUN
easat-6185	112	14	covering	cover	VERB
easat-6185	112	15	the	the	DET
easat-6185	112	16	years	year	NOUN
easat-6185	112	17	2016–2023	2016–2023	NUM
easat-6185	112	18	is	be	AUX
easat-6185	112	19	used	use	VERB
easat-6185	112	20	in	in	ADP
easat-6185	112	21	this	this	DET
easat-6185	112	22	study	study	NOUN
easat-6185	112	23	.	.	PUNCT
easat-6185	113	1	the	the	DET
easat-6185	113	2	440	440	NUM
easat-6185	113	3	observations	observation	NOUN
easat-6185	113	4	in	in	ADP
easat-6185	113	5	the	the	DET
easat-6185	113	6	data	datum	NOUN
easat-6185	113	7	are	be	AUX
easat-6185	113	8	used	use	VERB
easat-6185	113	9	to	to	PART
easat-6185	113	10	examine	examine	VERB
easat-6185	113	11	the	the	DET
easat-6185	113	12	factors	factor	NOUN
easat-6185	113	13	that	that	PRON
easat-6185	113	14	influence	influence	VERB
easat-6185	113	15	bank	bank	PROPN
easat-6185	113	16	bad	bad	ADJ
easat-6185	113	17	debt	debt	NOUN
easat-6185	113	18	ratios	ratio	NOUN
easat-6185	113	19	(	(	PUNCT
easat-6185	113	20	bdr	bdr	PROPN
easat-6185	113	21	)	)	PUNCT
easat-6185	113	22	.	.	PUNCT
easat-6185	114	1	a	a	DET
easat-6185	114	2	fixed	fix	VERB
easat-6185	114	3	-	-	PUNCT
easat-6185	114	4	effects	effect	NOUN
easat-6185	114	5	panel	panel	NOUN
easat-6185	114	6	regression	regression	NOUN
easat-6185	114	7	model	model	NOUN
easat-6185	114	8	is	be	AUX
easat-6185	114	9	estimated	estimate	VERB
easat-6185	114	10	to	to	PART
easat-6185	114	11	address	address	VERB
easat-6185	114	12	potential	potential	ADJ
easat-6185	114	13	unobserved	unobserved	ADJ
easat-6185	114	14	heterogeneity	heterogeneity	NOUN
easat-6185	114	15	across	across	ADP
easat-6185	114	16	banks	bank	NOUN
easat-6185	114	17	:	:	PUNCT
easat-6185	114	18	bdrit	bdrit	VERB
easat-6185	114	19	=	=	PUNCT
easat-6185	114	20	β0	β0	PROPN
easat-6185	114	21	+	+	NOUN
easat-6185	114	22	β1*bdr_lag1	β1*bdr_lag1	PUNCT
easat-6185	115	1	+	+	CCONJ
easat-6185	115	2	β2*loait	β2*loait	PUNCT
easat-6185	115	3	+	+	NUM
easat-6185	115	4	β3*ctiit	β3*ctiit	PUNCT
easat-6185	115	5	+	+	NUM
easat-6185	115	6	β4*nirit	β4*nirit	PUNCT
easat-6185	115	7	+	+	PUNCT
easat-6185	115	8	β5*indit	β5*indit	PUNCT
easat-6185	115	9	+	+	CCONJ
easat-6185	115	10	β6*carit	β6*carit	PUNCT
easat-6185	115	11	+	+	NUM
easat-6185	115	12	β7*dpsit	β7*dpsit	PUNCT
easat-6185	115	13	+	+	CCONJ
easat-6185	115	14	β8*cov19	β8*cov19	PROPN
easat-6185	115	15	t	t	NOUN
easat-6185	115	16	+	+	CCONJ
easat-6185	115	17	εit	εit	VERB
easat-6185	115	18	where	where	SCONJ
easat-6185	115	19	:	:	PUNCT
easat-6185	115	20	•	•	NUM
easat-6185	115	21	non	non	ADJ
easat-6185	115	22	-	-	ADJ
easat-6185	115	23	performing	perform	VERB
easat-6185	115	24	loan	loan	NOUN
easat-6185	115	25	ratio	ratio	NOUN
easat-6185	115	26	:	:	PUNCT
easat-6185	115	27	bdr	bdr	PROPN
easat-6185	115	28	=	=	PUNCT
easat-6185	115	29	bad	bad	ADJ
easat-6185	115	30	debt	debt	NOUN
easat-6185	115	31	/	/	SYM
easat-6185	115	32	total	total	ADJ
easat-6185	115	33	credit	credit	NOUN
easat-6185	115	34	sales	sale	NOUN
easat-6185	115	35	•	•	NUM
easat-6185	115	36	bdr_lag1	bdr_lag1	PUNCT
easat-6185	115	37	represents	represent	VERB
easat-6185	115	38	the	the	DET
easat-6185	115	39	npl	npl	PROPN
easat-6185	115	40	ratio	ratio	NOUN
easat-6185	115	41	of	of	ADP
easat-6185	115	42	the	the	DET
easat-6185	115	43	previous	previous	ADJ
easat-6185	115	44	year	year	NOUN
easat-6185	115	45	•	•	NOUN
easat-6185	115	46	loan	loan	NOUN
easat-6185	115	47	to	to	ADP
easat-6185	115	48	total	total	ADJ
easat-6185	115	49	assets	asset	NOUN
easat-6185	115	50	ratio	ratio	NOUN
easat-6185	115	51	:	:	PUNCT
easat-6185	115	52	loa	loa	NOUN
easat-6185	115	53	=	=	PUNCT
easat-6185	115	54	total	total	ADJ
easat-6185	115	55	loans	loan	NOUN
easat-6185	115	56	/	/	SYM
easat-6185	115	57	total	total	ADJ
easat-6185	115	58	assets	asset	NOUN
easat-6185	115	59	•	•	NOUN
easat-6185	115	60	cost	cost	NOUN
easat-6185	115	61	to	to	PART
easat-6185	115	62	income	income	NOUN
easat-6185	115	63	ratio	ratio	NOUN
easat-6185	115	64	:	:	PUNCT
easat-6185	115	65	cti	cti	PROPN
easat-6185	115	66	=	=	PUNCT
easat-6185	115	67	operating	operating	NOUN
easat-6185	115	68	expenses	expense	NOUN
easat-6185	115	69	/	/	SYM
easat-6185	115	70	operating	operate	VERB
easat-6185	115	71	income	income	NOUN
easat-6185	115	72	•	•	ADP
easat-6185	115	73	non	non	ADJ
easat-6185	115	74	-	-	ADJ
easat-6185	115	75	interest	interest	ADJ
easat-6185	115	76	income	income	NOUN
easat-6185	115	77	ratio	ratio	NOUN
easat-6185	115	78	:	:	PUNCT
easat-6185	115	79	nir	nir	PROPN
easat-6185	115	80	=	=	PUNCT
easat-6185	115	81	non	non	ADJ
easat-6185	115	82	-	-	ADJ
easat-6185	115	83	interest	interest	ADJ
easat-6185	115	84	income	income	NOUN
easat-6185	115	85	/	/	SYM
easat-6185	115	86	total	total	ADJ
easat-6185	115	87	income	income	NOUN
easat-6185	115	88	•	•	PROPN
easat-6185	115	89	bank	bank	NOUN
easat-6185	115	90	income	income	NOUN
easat-6185	115	91	dispersion	dispersion	NOUN
easat-6185	115	92	:	:	PUNCT
easat-6185	115	93	ind	ind	NOUN
easat-6185	115	94	=	=	SYM
easat-6185	115	95	1	1	X
easat-6185	115	96	–	–	PUNCT
easat-6185	115	97	hhi	hhi	NOUN
easat-6185	115	98	=	=	SYM
easat-6185	115	99	1	1	X
easat-6185	115	100	–	–	PUNCT
easat-6185	115	101	[	[	X
easat-6185	115	102	(	(	PUNCT
easat-6185	115	103	non	non	ADJ
easat-6185	115	104	-	-	ADJ
easat-6185	115	105	interest	interest	ADJ
easat-6185	115	106	income	income	NOUN
easat-6185	115	107	/	/	SYM
easat-6185	115	108	total	total	ADJ
easat-6185	115	109	income)2	income)2	NOUN
easat-6185	115	110	(	(	PUNCT
easat-6185	115	111	interest	interest	NOUN
easat-6185	115	112	income	income	NOUN
easat-6185	115	113	/	/	SYM
easat-6185	115	114	total	total	ADJ
easat-6185	115	115	income)2	income)2	NOUN
easat-6185	115	116	]	]	PUNCT
easat-6185	115	117	•	•	NUM
easat-6185	115	118	capital	capital	NOUN
easat-6185	115	119	adequacy	adequacy	NOUN
easat-6185	115	120	ratio	ratio	NOUN
easat-6185	115	121	:	:	PUNCT
easat-6185	115	122	car	car	NOUN
easat-6185	115	123	=	=	SYM
easat-6185	115	124	(	(	PUNCT
easat-6185	115	125	tier	tier	NOUN
easat-6185	115	126	i	i	NOUN
easat-6185	115	127	capital	capital	NOUN
easat-6185	115	128	+	+	CCONJ
easat-6185	115	129	tier	tier	NOUN
easat-6185	115	130	ii	ii	NOUN
easat-6185	115	131	capital	capital	NOUN
easat-6185	115	132	+	+	CCONJ
easat-6185	115	133	tier	tier	NOUN
easat-6185	115	134	iii	iii	NUM
easat-6185	115	135	capital	capital	NOUN
easat-6185	115	136	)	)	PUNCT
easat-6185	115	137	/	/	SYM
easat-6185	115	138	risk	risk	NOUN
easat-6185	115	139	-	-	PUNCT
easat-6185	115	140	weighted	weight	VERB
easat-6185	115	141	assets	asset	NOUN
easat-6185	115	142	(	(	PUNCT
easat-6185	115	143	rwa	rwa	PROPN
easat-6185	115	144	)	)	PUNCT
easat-6185	115	145	•	•	NOUN
easat-6185	115	146	deposit	deposit	NOUN
easat-6185	115	147	to	to	PART
easat-6185	115	148	total	total	VERB
easat-6185	115	149	assets	asset	NOUN
easat-6185	115	150	ratio	ratio	NOUN
easat-6185	115	151	:	:	PUNCT
easat-6185	115	152	dps	dps	NOUN
easat-6185	115	153	=	=	PUNCT
easat-6185	115	154	total	total	ADJ
easat-6185	115	155	deposits	deposit	NOUN
easat-6185	115	156	/	/	SYM
easat-6185	115	157	total	total	ADJ
easat-6185	115	158	assets	asset	NOUN
easat-6185	115	159	•	•	ADP
easat-6185	115	160	cov-19	cov-19	PROPN
easat-6185	115	161	is	be	AUX
easat-6185	115	162	a	a	DET
easat-6185	115	163	dummy	dummy	ADJ
easat-6185	115	164	variable	variable	NOUN
easat-6185	115	165	,	,	PUNCT
easat-6185	115	166	taking	take	VERB
easat-6185	115	167	the	the	DET
easat-6185	115	168	value	value	NOUN
easat-6185	115	169	of	of	ADP
easat-6185	115	170	1	1	NUM
easat-6185	115	171	during	during	ADP
easat-6185	115	172	the	the	DET
easat-6185	115	173	period	period	NOUN
easat-6185	115	174	of	of	ADP
easat-6185	115	175	impact	impact	NOUN
easat-6185	115	176	of	of	ADP
easat-6185	115	177	the	the	DET
easat-6185	115	178	covid-19	covid-19	PROPN
easat-6185	115	179	pandemic	pandemic	NOUN
easat-6185	115	180	on	on	ADP
easat-6185	115	181	income	income	NOUN
easat-6185	115	182	diversification	diversification	NOUN
easat-6185	115	183	and	and	CCONJ
easat-6185	115	184	bad	bad	ADJ
easat-6185	115	185	debt	debt	NOUN
easat-6185	115	186	ratio	ratio	NOUN
easat-6185	115	187	of	of	ADP
easat-6185	115	188	commercial	commercial	ADJ
easat-6185	115	189	banks	bank	NOUN
easat-6185	115	190	in	in	ADP
easat-6185	115	191	southeast	southeast	PROPN
easat-6185	115	192	asia	asia	PROPN
easat-6185	115	193	.	.	PUNCT
easat-6185	116	1	•	•	NUM
easat-6185	116	2	εit	εit	NOUN
easat-6185	116	3	is	be	AUX
easat-6185	116	4	the	the	DET
easat-6185	116	5	error	error	NOUN
easat-6185	116	6	term	term	NOUN
easat-6185	116	7	.	.	PUNCT
easat-6185	117	1	robust	robust	ADJ
easat-6185	117	2	standard	standard	ADJ
easat-6185	117	3	errors	error	NOUN
easat-6185	117	4	are	be	AUX
easat-6185	117	5	employed	employ	VERB
easat-6185	117	6	to	to	PART
easat-6185	117	7	account	account	VERB
easat-6185	117	8	for	for	ADP
easat-6185	117	9	potential	potential	ADJ
easat-6185	117	10	heteroskedasticity	heteroskedasticity	NOUN
easat-6185	117	11	and	and	CCONJ
easat-6185	117	12	within	within	ADP
easat-6185	117	13	-	-	PUNCT
easat-6185	117	14	bank	bank	NOUN
easat-6185	117	15	correlation	correlation	NOUN
easat-6185	117	16	.	.	PUNCT
easat-6185	118	1	hausman	hausman	PROPN
easat-6185	118	2	test	test	NOUN
easat-6185	118	3	results	result	NOUN
easat-6185	118	4	favored	favor	VERB
easat-6185	118	5	the	the	DET
easat-6185	118	6	fixed	fix	VERB
easat-6185	118	7	-	-	PUNCT
easat-6185	118	8	effects	effect	NOUN
easat-6185	118	9	specification	specification	NOUN
easat-6185	118	10	over	over	ADP
easat-6185	118	11	the	the	DET
easat-6185	118	12	random	random	ADJ
easat-6185	118	13	-	-	PUNCT
easat-6185	118	14	effects	effect	NOUN
easat-6185	118	15	model	model	NOUN
easat-6185	118	16	.	.	PUNCT
easat-6185	119	1	diagnostic	diagnostic	ADJ
easat-6185	119	2	tests	test	NOUN
easat-6185	119	3	revealed	reveal	VERB
easat-6185	119	4	the	the	DET
easat-6185	119	5	presence	presence	NOUN
easat-6185	119	6	of	of	ADP
easat-6185	119	7	heteroskedasticity	heteroskedasticity	NOUN
easat-6185	119	8	,	,	PUNCT
easat-6185	119	9	necessitating	necessitate	VERB
easat-6185	119	10	the	the	DET
easat-6185	119	11	use	use	NOUN
easat-6185	119	12	of	of	ADP
easat-6185	119	13	robust	robust	ADJ
easat-6185	119	14	standard	standard	ADJ
easat-6185	119	15	errors	error	NOUN
easat-6185	119	16	.	.	PUNCT
easat-6185	120	1	1124	1124	NUM
easat-6185	120	2	edelweiss	edelweiss	PROPN
easat-6185	120	3	applied	apply	VERB
easat-6185	120	4	science	science	NOUN
easat-6185	120	5	and	and	CCONJ
easat-6185	120	6	technology	technology	NOUN
easat-6185	120	7	issn	issn	PROPN
easat-6185	120	8	:	:	PUNCT
easat-6185	120	9	2576	2576	NUM
easat-6185	120	10	-	-	SYM
easat-6185	120	11	8484	8484	NUM
easat-6185	120	12	vol	vol	NOUN
easat-6185	120	13	.	.	PROPN
easat-6185	121	1	9	9	NUM
easat-6185	121	2	,	,	PUNCT
easat-6185	121	3	no	no	INTJ
easat-6185	121	4	.	.	NOUN
easat-6185	121	5	4	4	NUM
easat-6185	121	6	:	:	SYM
easat-6185	121	7	1120	1120	NUM
easat-6185	121	8	-	-	SYM
easat-6185	121	9	1130	1130	NUM
easat-6185	121	10	,	,	PUNCT
easat-6185	121	11	2025	2025	NUM
easat-6185	121	12	doi	doi	NOUN
easat-6185	121	13	:	:	PUNCT
easat-6185	121	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	121	15	©	©	PROPN
easat-6185	121	16	2025	2025	NUM
easat-6185	121	17	by	by	ADP
easat-6185	121	18	the	the	DET
easat-6185	121	19	authors	author	NOUN
easat-6185	121	20	;	;	PUNCT
easat-6185	121	21	licensee	licensee	PROPN
easat-6185	121	22	learning	learning	NOUN
easat-6185	121	23	gate	gate	NOUN
easat-6185	121	24	4	4	PROPN
easat-6185	121	25	.	.	PUNCT
easat-6185	121	26	results	result	VERB
easat-6185	121	27	4.1	4.1	NUM
easat-6185	121	28	.	.	PUNCT
easat-6185	122	1	descriptive	descriptive	ADJ
easat-6185	122	2	statistics	statistic	NOUN
easat-6185	122	3	the	the	DET
easat-6185	122	4	southeast	southeast	ADJ
easat-6185	122	5	asian	asian	ADJ
easat-6185	122	6	banking	banking	NOUN
easat-6185	122	7	industry	industry	NOUN
easat-6185	122	8	exhibits	exhibit	VERB
easat-6185	122	9	distinct	distinct	ADJ
easat-6185	122	10	characteristics	characteristic	NOUN
easat-6185	122	11	that	that	PRON
easat-6185	122	12	are	be	AUX
easat-6185	122	13	reflected	reflect	VERB
easat-6185	122	14	in	in	ADP
easat-6185	122	15	the	the	DET
easat-6185	122	16	financial	financial	ADJ
easat-6185	122	17	performance	performance	NOUN
easat-6185	122	18	indicators	indicator	NOUN
easat-6185	122	19	of	of	ADP
easat-6185	122	20	member	member	NOUN
easat-6185	122	21	banks	bank	NOUN
easat-6185	122	22	.	.	PUNCT
easat-6185	123	1	the	the	DET
easat-6185	123	2	average	average	ADJ
easat-6185	123	3	non	non	ADJ
easat-6185	123	4	-	-	ADJ
easat-6185	123	5	interest	interest	ADJ
easat-6185	123	6	income	income	NOUN
easat-6185	123	7	ratio	ratio	NOUN
easat-6185	123	8	(	(	PUNCT
easat-6185	123	9	nir	nir	NOUN
easat-6185	123	10	)	)	PUNCT
easat-6185	123	11	of	of	ADP
easat-6185	123	12	24.65	24.65	NUM
easat-6185	123	13	%	%	NOUN
easat-6185	123	14	indicates	indicate	VERB
easat-6185	123	15	a	a	DET
easat-6185	123	16	moderate	moderate	ADJ
easat-6185	123	17	level	level	NOUN
easat-6185	123	18	of	of	ADP
easat-6185	123	19	income	income	NOUN
easat-6185	123	20	diversification	diversification	NOUN
easat-6185	123	21	,	,	PUNCT
easat-6185	123	22	further	far	ADV
easat-6185	123	23	supported	support	VERB
easat-6185	123	24	by	by	ADP
easat-6185	123	25	the	the	DET
easat-6185	123	26	average	average	ADJ
easat-6185	123	27	income	income	NOUN
easat-6185	123	28	diversification	diversification	NOUN
easat-6185	123	29	index	index	NOUN
easat-6185	123	30	(	(	PUNCT
easat-6185	123	31	ind	ind	NOUN
easat-6185	123	32	)	)	PUNCT
easat-6185	123	33	of	of	ADP
easat-6185	123	34	37.77	37.77	NUM
easat-6185	123	35	%	%	NOUN
easat-6185	123	36	.	.	PUNCT
easat-6185	124	1	although	although	SCONJ
easat-6185	124	2	banks	bank	NOUN
easat-6185	124	3	are	be	AUX
easat-6185	124	4	generating	generate	VERB
easat-6185	124	5	income	income	NOUN
easat-6185	124	6	from	from	ADP
easat-6185	124	7	sources	source	NOUN
easat-6185	124	8	other	other	ADJ
easat-6185	124	9	than	than	ADP
easat-6185	124	10	traditional	traditional	ADJ
easat-6185	124	11	lending	lending	NOUN
easat-6185	124	12	activities	activity	NOUN
easat-6185	124	13	,	,	PUNCT
easat-6185	124	14	there	there	PRON
easat-6185	124	15	is	be	VERB
easat-6185	124	16	still	still	ADV
easat-6185	124	17	a	a	DET
easat-6185	124	18	significant	significant	ADJ
easat-6185	124	19	dependence	dependence	NOUN
easat-6185	124	20	on	on	ADP
easat-6185	124	21	interest	interest	NOUN
easat-6185	124	22	income	income	NOUN
easat-6185	124	23	.	.	PUNCT
easat-6185	125	1	this	this	PRON
easat-6185	125	2	may	may	AUX
easat-6185	125	3	be	be	AUX
easat-6185	125	4	due	due	ADJ
easat-6185	125	5	to	to	ADP
easat-6185	125	6	the	the	DET
easat-6185	125	7	developing	develop	VERB
easat-6185	125	8	economies	economy	NOUN
easat-6185	125	9	in	in	ADP
easat-6185	125	10	the	the	DET
easat-6185	125	11	region	region	NOUN
easat-6185	125	12	where	where	SCONJ
easat-6185	125	13	traditional	traditional	ADJ
easat-6185	125	14	lending	lending	NOUN
easat-6185	125	15	activities	activity	NOUN
easat-6185	125	16	still	still	ADV
easat-6185	125	17	dominate	dominate	VERB
easat-6185	125	18	.	.	PUNCT
easat-6185	126	1	however	however	ADV
easat-6185	126	2	,	,	PUNCT
easat-6185	126	3	the	the	DET
easat-6185	126	4	relatively	relatively	ADV
easat-6185	126	5	high	high	ADJ
easat-6185	126	6	standard	standard	ADJ
easat-6185	126	7	deviation	deviation	NOUN
easat-6185	126	8	of	of	ADP
easat-6185	126	9	nir	nir	NOUN
easat-6185	126	10	(	(	PUNCT
easat-6185	126	11	9.43	9.43	NUM
easat-6185	126	12	%	%	NOUN
easat-6185	126	13	)	)	PUNCT
easat-6185	126	14	suggests	suggest	VERB
easat-6185	126	15	significant	significant	ADJ
easat-6185	126	16	differences	difference	NOUN
easat-6185	126	17	in	in	ADP
easat-6185	126	18	diversification	diversification	NOUN
easat-6185	126	19	strategies	strategy	NOUN
easat-6185	126	20	among	among	ADP
easat-6185	126	21	banks	bank	NOUN
easat-6185	126	22	,	,	PUNCT
easat-6185	126	23	with	with	ADP
easat-6185	126	24	some	some	DET
easat-6185	126	25	institutions	institution	NOUN
easat-6185	126	26	potentially	potentially	ADV
easat-6185	126	27	pursuing	pursue	VERB
easat-6185	126	28	the	the	DET
easat-6185	126	29	generation	generation	NOUN
easat-6185	126	30	of	of	ADP
easat-6185	126	31	non	non	ADJ
easat-6185	126	32	-	-	ADJ
easat-6185	126	33	interest	interest	ADJ
easat-6185	126	34	income	income	NOUN
easat-6185	126	35	more	more	ADV
easat-6185	126	36	aggressively	aggressively	ADV
easat-6185	126	37	.	.	PUNCT
easat-6185	127	1	credit	credit	NOUN
easat-6185	127	2	growth	growth	NOUN
easat-6185	127	3	,	,	PUNCT
easat-6185	127	4	as	as	SCONJ
easat-6185	127	5	represented	represent	VERB
easat-6185	127	6	by	by	ADP
easat-6185	127	7	the	the	DET
easat-6185	127	8	loan	loan	NOUN
easat-6185	127	9	-	-	PUNCT
easat-6185	127	10	to	to	ADP
easat-6185	127	11	-	-	PUNCT
easat-6185	127	12	assets	asset	NOUN
easat-6185	127	13	(	(	PUNCT
easat-6185	127	14	loa	loa	NOUN
easat-6185	127	15	)	)	PUNCT
easat-6185	127	16	ratio	ratio	NOUN
easat-6185	127	17	,	,	PUNCT
easat-6185	127	18	averaged	average	VERB
easat-6185	127	19	61.64	61.64	NUM
easat-6185	127	20	%	%	NOUN
easat-6185	127	21	,	,	PUNCT
easat-6185	127	22	signaling	signal	VERB
easat-6185	127	23	a	a	DET
easat-6185	127	24	robust	robust	ADJ
easat-6185	127	25	expansion	expansion	NOUN
easat-6185	127	26	in	in	ADP
easat-6185	127	27	lending	lending	NOUN
easat-6185	127	28	activities	activity	NOUN
easat-6185	127	29	.	.	PUNCT
easat-6185	128	1	this	this	PRON
easat-6185	128	2	is	be	AUX
easat-6185	128	3	consistent	consistent	ADJ
easat-6185	128	4	with	with	ADP
easat-6185	128	5	the	the	DET
easat-6185	128	6	region	region	NOUN
easat-6185	128	7	’s	’s	PART
easat-6185	128	8	economic	economic	ADJ
easat-6185	128	9	growth	growth	NOUN
easat-6185	128	10	trajectory	trajectory	NOUN
easat-6185	128	11	and	and	CCONJ
easat-6185	128	12	growing	grow	VERB
easat-6185	128	13	demand	demand	NOUN
easat-6185	128	14	for	for	ADP
easat-6185	128	15	credit	credit	NOUN
easat-6185	128	16	.	.	PUNCT
easat-6185	129	1	the	the	DET
easat-6185	129	2	average	average	ADJ
easat-6185	129	3	deposit	deposit	NOUN
easat-6185	129	4	-	-	PUNCT
easat-6185	129	5	to	to	ADP
easat-6185	129	6	-	-	PUNCT
easat-6185	129	7	assets	asset	NOUN
easat-6185	129	8	(	(	PUNCT
easat-6185	129	9	dps	dps	NOUN
easat-6185	129	10	)	)	PUNCT
easat-6185	129	11	ratio	ratio	NOUN
easat-6185	129	12	of	of	ADP
easat-6185	129	13	70.22	70.22	NUM
easat-6185	129	14	%	%	NOUN
easat-6185	129	15	suggests	suggest	VERB
easat-6185	129	16	that	that	SCONJ
easat-6185	129	17	a	a	DET
easat-6185	129	18	strong	strong	ADJ
easat-6185	129	19	deposit	deposit	NOUN
easat-6185	129	20	base	base	NOUN
easat-6185	129	21	is	be	AUX
easat-6185	129	22	funding	fund	VERB
easat-6185	129	23	the	the	DET
easat-6185	129	24	credit	credit	NOUN
easat-6185	129	25	expansion	expansion	NOUN
easat-6185	129	26	.	.	PUNCT
easat-6185	130	1	however	however	ADV
easat-6185	130	2	,	,	PUNCT
easat-6185	130	3	potential	potential	ADJ
easat-6185	130	4	liquidity	liquidity	NOUN
easat-6185	130	5	risks	risk	NOUN
easat-6185	130	6	need	need	VERB
easat-6185	130	7	to	to	PART
easat-6185	130	8	be	be	AUX
easat-6185	130	9	monitored	monitor	VERB
easat-6185	130	10	,	,	PUNCT
easat-6185	130	11	especially	especially	ADV
easat-6185	130	12	given	give	VERB
easat-6185	130	13	the	the	DET
easat-6185	130	14	volatility	volatility	NOUN
easat-6185	130	15	observed	observe	VERB
easat-6185	130	16	in	in	ADP
easat-6185	130	17	the	the	DET
easat-6185	130	18	dps	dps	NOUN
easat-6185	130	19	(	(	PUNCT
easat-6185	130	20	standard	standard	ADJ
easat-6185	130	21	deviation	deviation	NOUN
easat-6185	130	22	of	of	ADP
easat-6185	130	23	11.71	11.71	NUM
easat-6185	130	24	%	%	NOUN
easat-6185	130	25	)	)	PUNCT
easat-6185	130	26	.	.	PUNCT
easat-6185	131	1	the	the	DET
easat-6185	131	2	healthy	healthy	ADJ
easat-6185	131	3	average	average	ADJ
easat-6185	131	4	capital	capital	NOUN
easat-6185	131	5	adequacy	adequacy	NOUN
easat-6185	131	6	ratio	ratio	NOUN
easat-6185	131	7	(	(	PUNCT
easat-6185	131	8	car	car	NOUN
easat-6185	131	9	)	)	PUNCT
easat-6185	131	10	of	of	ADP
easat-6185	131	11	16.64	16.64	NUM
easat-6185	131	12	%	%	NOUN
easat-6185	131	13	,	,	PUNCT
easat-6185	131	14	well	well	ADV
easat-6185	131	15	above	above	ADP
easat-6185	131	16	the	the	DET
easat-6185	131	17	regulatory	regulatory	ADJ
easat-6185	131	18	minimum	minimum	NOUN
easat-6185	131	19	,	,	PUNCT
easat-6185	131	20	suggests	suggest	VERB
easat-6185	131	21	a	a	DET
easat-6185	131	22	resilient	resilient	ADJ
easat-6185	131	23	banking	banking	NOUN
easat-6185	131	24	sector	sector	NOUN
easat-6185	131	25	with	with	ADP
easat-6185	131	26	the	the	DET
easat-6185	131	27	ability	ability	NOUN
easat-6185	131	28	to	to	PART
easat-6185	131	29	absorb	absorb	VERB
easat-6185	131	30	potential	potential	ADJ
easat-6185	131	31	losses	loss	NOUN
easat-6185	131	32	.	.	PUNCT
easat-6185	132	1	table	table	NOUN
easat-6185	132	2	1	1	NUM
easat-6185	132	3	.	.	PUNCT
easat-6185	132	4	descriptive	descriptive	ADJ
easat-6185	132	5	statistics	statistic	NOUN
easat-6185	132	6	of	of	ADP
easat-6185	132	7	variables	variable	NOUN
easat-6185	132	8	.	.	PUNCT
easat-6185	133	1	variable	variable	ADJ
easat-6185	133	2	obs	obs	PROPN
easat-6185	133	3	.	.	PUNCT
easat-6185	134	1	mean	mean	VERB
easat-6185	134	2	std	std	PROPN
easat-6185	134	3	.	.	PROPN
easat-6185	135	1	dev	dev	PROPN
easat-6185	135	2	.	.	PUNCT
easat-6185	135	3	min	min	PROPN
easat-6185	135	4	.	.	PROPN
easat-6185	135	5	max	max	PROPN
easat-6185	135	6	.	.	PUNCT
easat-6185	136	1	bdr	bdr	PROPN
easat-6185	136	2	440	440	NUM
easat-6185	136	3	0.0246	0.0246	NUM
easat-6185	136	4	0.0152	0.0152	NUM
easat-6185	136	5	0.0002	0.0002	NUM
easat-6185	136	6	0.0801	0.0801	NUM
easat-6185	136	7	loa	loa	NOUN
easat-6185	136	8	440	440	NUM
easat-6185	136	9	0.6164	0.6164	NUM
easat-6185	136	10	0.1123	0.1123	NUM
easat-6185	136	11	0.3556	0.3556	NUM
easat-6185	136	12	0.9560	0.9560	NUM
easat-6185	136	13	cti	cti	PROPN
easat-6185	136	14	440	440	NUM
easat-6185	136	15	0.4845	0.4845	NUM
easat-6185	136	16	0.1141	0.1141	NUM
easat-6185	136	17	0.1730	0.1730	NUM
easat-6185	136	18	0.9155	0.9155	NUM
easat-6185	136	19	nir	nir	NOUN
easat-6185	136	20	440	440	NUM
easat-6185	136	21	0.2465	0.2465	NUM
easat-6185	136	22	0.0943	0.0943	NUM
easat-6185	136	23	0.0289	0.0289	NUM
easat-6185	136	24	0.7268	0.7268	NUM
easat-6185	136	25	ind	ind	NOUN
easat-6185	136	26	440	440	NUM
easat-6185	136	27	0.3777	0.3777	NUM
easat-6185	136	28	0.1034	0.1034	NUM
easat-6185	136	29	0.0570	0.0570	NUM
easat-6185	136	30	0.4996	0.4996	NUM
easat-6185	136	31	car	car	NOUN
easat-6185	136	32	440	440	NUM
easat-6185	136	33	16.6358	16.6358	NUM
easat-6185	136	34	4.2203	4.2203	NUM
easat-6185	136	35	8.0000	8.0000	NUM
easat-6185	136	36	33.5000	33.5000	NUM
easat-6185	136	37	dps	dps	NOUN
easat-6185	136	38	440	440	NUM
easat-6185	136	39	0.7022	0.7022	NUM
easat-6185	136	40	0.1171	0.1171	NUM
easat-6185	136	41	0.2459	0.2459	NUM
easat-6185	136	42	0.9963	0.9963	NUM
easat-6185	136	43	however	however	ADV
easat-6185	136	44	,	,	PUNCT
easat-6185	136	45	the	the	DET
easat-6185	136	46	cost	cost	NOUN
easat-6185	136	47	-	-	PUNCT
easat-6185	136	48	to	to	ADP
easat-6185	136	49	-	-	PUNCT
easat-6185	136	50	income	income	NOUN
easat-6185	136	51	(	(	PUNCT
easat-6185	136	52	cti	cti	PROPN
easat-6185	136	53	)	)	PUNCT
easat-6185	136	54	ratio	ratio	NOUN
easat-6185	136	55	of	of	ADP
easat-6185	136	56	48.45	48.45	NUM
easat-6185	136	57	%	%	NOUN
easat-6185	136	58	suggests	suggest	VERB
easat-6185	136	59	relatively	relatively	ADV
easat-6185	136	60	high	high	ADJ
easat-6185	136	61	operating	operating	NOUN
easat-6185	136	62	expenses	expense	NOUN
easat-6185	136	63	,	,	PUNCT
easat-6185	136	64	potentially	potentially	ADV
easat-6185	136	65	weighing	weigh	VERB
easat-6185	136	66	on	on	ADP
easat-6185	136	67	profitability	profitability	NOUN
easat-6185	136	68	.	.	PUNCT
easat-6185	137	1	this	this	PRON
easat-6185	137	2	may	may	AUX
easat-6185	137	3	be	be	AUX
easat-6185	137	4	driven	drive	VERB
easat-6185	137	5	by	by	ADP
easat-6185	137	6	investments	investment	NOUN
easat-6185	137	7	in	in	ADP
easat-6185	137	8	technology	technology	NOUN
easat-6185	137	9	,	,	PUNCT
easat-6185	137	10	branch	branch	NOUN
easat-6185	137	11	expansion	expansion	NOUN
easat-6185	137	12	,	,	PUNCT
easat-6185	137	13	or	or	CCONJ
easat-6185	137	14	increased	increase	VERB
easat-6185	137	15	competition	competition	NOUN
easat-6185	137	16	.	.	PUNCT
easat-6185	138	1	overall	overall	ADV
easat-6185	138	2	,	,	PUNCT
easat-6185	138	3	the	the	DET
easat-6185	138	4	southeast	southeast	ADJ
easat-6185	138	5	asian	asian	ADJ
easat-6185	138	6	banking	banking	NOUN
easat-6185	138	7	industry	industry	NOUN
easat-6185	138	8	appears	appear	VERB
easat-6185	138	9	to	to	PART
easat-6185	138	10	be	be	AUX
easat-6185	138	11	navigating	navigate	VERB
easat-6185	138	12	a	a	DET
easat-6185	138	13	dynamic	dynamic	ADJ
easat-6185	138	14	environment	environment	NOUN
easat-6185	138	15	characterized	characterize	VERB
easat-6185	138	16	by	by	ADP
easat-6185	138	17	growth	growth	NOUN
easat-6185	138	18	opportunities	opportunity	NOUN
easat-6185	138	19	and	and	CCONJ
easat-6185	138	20	challenges	challenge	NOUN
easat-6185	138	21	related	relate	VERB
easat-6185	138	22	to	to	ADP
easat-6185	138	23	profitability	profitability	NOUN
easat-6185	138	24	,	,	PUNCT
easat-6185	138	25	diversification	diversification	NOUN
easat-6185	138	26	,	,	PUNCT
easat-6185	138	27	and	and	CCONJ
easat-6185	138	28	maintaining	maintain	VERB
easat-6185	138	29	a	a	DET
easat-6185	138	30	stable	stable	ADJ
easat-6185	138	31	funding	funding	NOUN
easat-6185	138	32	base	base	NOUN
easat-6185	138	33	.	.	PUNCT
easat-6185	139	1	further	further	ADJ
easat-6185	139	2	research	research	NOUN
easat-6185	139	3	could	could	AUX
easat-6185	139	4	delve	delve	VERB
easat-6185	139	5	into	into	ADP
easat-6185	139	6	the	the	DET
easat-6185	139	7	specific	specific	ADJ
easat-6185	139	8	factors	factor	NOUN
easat-6185	139	9	influencing	influence	VERB
easat-6185	139	10	commercial	commercial	ADJ
easat-6185	139	11	banks	bank	NOUN
easat-6185	139	12	’	'	PUNCT
easat-6185	139	13	npl	npl	PROPN
easat-6185	139	14	ratios	ratio	NOUN
easat-6185	139	15	to	to	PART
easat-6185	139	16	gain	gain	VERB
easat-6185	139	17	a	a	DET
easat-6185	139	18	deeper	deep	ADJ
easat-6185	139	19	understanding	understanding	NOUN
easat-6185	139	20	of	of	ADP
easat-6185	139	21	these	these	DET
easat-6185	139	22	trends	trend	NOUN
easat-6185	139	23	.	.	PUNCT
easat-6185	140	1	the	the	DET
easat-6185	140	2	test	test	NOUN
easat-6185	140	3	results	result	NOUN
easat-6185	140	4	show	show	VERB
easat-6185	140	5	that	that	SCONJ
easat-6185	140	6	the	the	DET
easat-6185	140	7	variables	variable	NOUN
easat-6185	140	8	including	include	VERB
easat-6185	140	9	bdr	bdr	PROPN
easat-6185	140	10	,	,	PUNCT
easat-6185	140	11	cti	cti	PROPN
easat-6185	140	12	,	,	PUNCT
easat-6185	140	13	nir	nir	NOUN
easat-6185	140	14	,	,	PUNCT
easat-6185	140	15	car	car	NOUN
easat-6185	140	16	and	and	CCONJ
easat-6185	140	17	dps	dps	NOUN
easat-6185	140	18	have	have	VERB
easat-6185	140	19	some	some	DET
easat-6185	140	20	outlier	outlier	ADJ
easat-6185	140	21	observations	observation	NOUN
easat-6185	140	22	,	,	PUNCT
easat-6185	140	23	the	the	DET
easat-6185	140	24	outlier	outlier	NOUN
easat-6185	140	25	data	datum	NOUN
easat-6185	140	26	are	be	AUX
easat-6185	140	27	corrected	correct	VERB
easat-6185	140	28	by	by	ADP
easat-6185	140	29	winsorization	winsorization	NOUN
easat-6185	140	30	method	method	NOUN
easat-6185	140	31	;	;	PUNCT
easat-6185	140	32	the	the	DET
easat-6185	140	33	data	datum	NOUN
easat-6185	140	34	are	be	AUX
easat-6185	140	35	then	then	ADV
easat-6185	140	36	continued	continue	VERB
easat-6185	140	37	to	to	PART
easat-6185	140	38	be	be	AUX
easat-6185	140	39	analyzed	analyze	VERB
easat-6185	140	40	to	to	PART
easat-6185	140	41	perform	perform	VERB
easat-6185	140	42	the	the	DET
easat-6185	140	43	research	research	NOUN
easat-6185	140	44	tasks	task	NOUN
easat-6185	140	45	.	.	PUNCT
easat-6185	141	1	the	the	DET
easat-6185	141	2	correlation	correlation	NOUN
easat-6185	141	3	analysis	analysis	NOUN
easat-6185	141	4	provides	provide	VERB
easat-6185	141	5	insights	insight	NOUN
easat-6185	141	6	into	into	ADP
easat-6185	141	7	the	the	DET
easat-6185	141	8	relationships	relationship	NOUN
easat-6185	141	9	between	between	ADP
easat-6185	141	10	bad	bad	ADJ
easat-6185	141	11	debt	debt	NOUN
easat-6185	141	12	ratio	ratio	NOUN
easat-6185	141	13	(	(	PUNCT
easat-6185	141	14	bdr	bdr	PROPN
easat-6185	141	15	)	)	PUNCT
easat-6185	141	16	and	and	CCONJ
easat-6185	141	17	other	other	ADJ
easat-6185	141	18	financial	financial	ADJ
easat-6185	141	19	indicators	indicator	NOUN
easat-6185	141	20	of	of	ADP
easat-6185	141	21	joint	joint	ADJ
easat-6185	141	22	-	-	PUNCT
easat-6185	141	23	stock	stock	NOUN
easat-6185	141	24	commercial	commercial	ADJ
easat-6185	141	25	banks	bank	NOUN
easat-6185	141	26	in	in	ADP
easat-6185	141	27	southeast	southeast	PROPN
easat-6185	141	28	asia	asia	PROPN
easat-6185	141	29	from	from	ADP
easat-6185	141	30	2016	2016	NUM
easat-6185	141	31	to	to	ADP
easat-6185	141	32	2023	2023	NUM
easat-6185	141	33	.	.	PUNCT
easat-6185	142	1	bdr	bdr	PROPN
easat-6185	142	2	exhibits	exhibit	VERB
easat-6185	142	3	a	a	DET
easat-6185	142	4	positive	positive	ADJ
easat-6185	142	5	and	and	CCONJ
easat-6185	142	6	statistically	statistically	ADV
easat-6185	142	7	significant	significant	ADJ
easat-6185	142	8	correlation	correlation	NOUN
easat-6185	142	9	with	with	ADP
easat-6185	142	10	the	the	DET
easat-6185	142	11	cost	cost	NOUN
easat-6185	142	12	-	-	PUNCT
easat-6185	142	13	to	to	ADP
easat-6185	142	14	-	-	PUNCT
easat-6185	142	15	income	income	NOUN
easat-6185	142	16	ratio	ratio	NOUN
easat-6185	142	17	(	(	PUNCT
easat-6185	142	18	cti	cti	PROPN
easat-6185	142	19	)	)	PUNCT
easat-6185	142	20	,	,	PUNCT
easat-6185	142	21	suggesting	suggest	VERB
easat-6185	142	22	that	that	SCONJ
easat-6185	142	23	banks	bank	NOUN
easat-6185	142	24	with	with	ADP
easat-6185	142	25	higher	high	ADJ
easat-6185	142	26	operating	operating	NOUN
easat-6185	142	27	costs	cost	NOUN
easat-6185	142	28	tend	tend	VERB
easat-6185	142	29	to	to	PART
easat-6185	142	30	experience	experience	VERB
easat-6185	142	31	higher	high	ADJ
easat-6185	142	32	bad	bad	ADJ
easat-6185	142	33	debt	debt	NOUN
easat-6185	142	34	levels	level	NOUN
easat-6185	142	35	.	.	PUNCT
easat-6185	143	1	this	this	PRON
easat-6185	143	2	could	could	AUX
easat-6185	143	3	be	be	AUX
easat-6185	143	4	attributed	attribute	VERB
easat-6185	143	5	to	to	ADP
easat-6185	143	6	inefficiencies	inefficiency	NOUN
easat-6185	143	7	in	in	ADP
easat-6185	143	8	loan	loan	NOUN
easat-6185	143	9	underwriting	underwriting	NOUN
easat-6185	143	10	and	and	CCONJ
easat-6185	143	11	monitoring	monitoring	NOUN
easat-6185	143	12	processes	process	NOUN
easat-6185	143	13	,	,	PUNCT
easat-6185	143	14	leading	lead	VERB
easat-6185	143	15	to	to	ADP
easat-6185	143	16	increased	increase	VERB
easat-6185	143	17	loan	loan	NOUN
easat-6185	143	18	defaults	default	NOUN
easat-6185	143	19	.	.	PUNCT
easat-6185	144	1	the	the	DET
easat-6185	144	2	positive	positive	ADJ
easat-6185	144	3	correlation	correlation	NOUN
easat-6185	144	4	between	between	ADP
easat-6185	144	5	bdr	bdr	PROPN
easat-6185	144	6	and	and	CCONJ
easat-6185	144	7	income	income	NOUN
easat-6185	144	8	diversification	diversification	NOUN
easat-6185	144	9	(	(	PUNCT
easat-6185	144	10	ind	ind	NOUN
easat-6185	144	11	)	)	PUNCT
easat-6185	144	12	,	,	PUNCT
easat-6185	144	13	albeit	albeit	SCONJ
easat-6185	144	14	weak	weak	ADJ
easat-6185	144	15	,	,	PUNCT
easat-6185	144	16	implies	imply	VERB
easat-6185	144	17	that	that	SCONJ
easat-6185	144	18	banks	bank	NOUN
easat-6185	144	19	relying	rely	VERB
easat-6185	144	20	more	more	ADV
easat-6185	144	21	on	on	ADP
easat-6185	144	22	non	non	ADJ
easat-6185	144	23	-	-	ADJ
easat-6185	144	24	interest	interest	ADJ
easat-6185	144	25	income	income	NOUN
easat-6185	144	26	might	might	AUX
easat-6185	144	27	experience	experience	VERB
easat-6185	144	28	slightly	slightly	ADV
easat-6185	144	29	higher	high	ADJ
easat-6185	144	30	bdrs	bdr	NOUN
easat-6185	144	31	.	.	PUNCT
easat-6185	145	1	this	this	PRON
easat-6185	145	2	could	could	AUX
easat-6185	145	3	be	be	AUX
easat-6185	145	4	due	due	ADJ
easat-6185	145	5	to	to	ADP
easat-6185	145	6	the	the	DET
easat-6185	145	7	riskier	risky	ADJ
easat-6185	145	8	nature	nature	NOUN
easat-6185	145	9	of	of	ADP
easat-6185	145	10	some	some	DET
easat-6185	145	11	non	non	ADJ
easat-6185	145	12	-	-	ADJ
easat-6185	145	13	interest	interest	ADJ
easat-6185	145	14	income	income	NOUN
easat-6185	145	15	activities	activity	NOUN
easat-6185	145	16	.	.	PUNCT
easat-6185	146	1	1125	1125	NUM
easat-6185	146	2	edelweiss	edelweiss	PROPN
easat-6185	146	3	applied	apply	VERB
easat-6185	146	4	science	science	NOUN
easat-6185	146	5	and	and	CCONJ
easat-6185	146	6	technology	technology	NOUN
easat-6185	146	7	issn	issn	PROPN
easat-6185	146	8	:	:	PUNCT
easat-6185	146	9	2576	2576	NUM
easat-6185	146	10	-	-	SYM
easat-6185	146	11	8484	8484	NUM
easat-6185	146	12	vol	vol	NOUN
easat-6185	146	13	.	.	PROPN
easat-6185	147	1	9	9	NUM
easat-6185	147	2	,	,	PUNCT
easat-6185	147	3	no	no	INTJ
easat-6185	147	4	.	.	NOUN
easat-6185	147	5	4	4	NUM
easat-6185	147	6	:	:	SYM
easat-6185	147	7	1120	1120	NUM
easat-6185	147	8	-	-	SYM
easat-6185	147	9	1130	1130	NUM
easat-6185	147	10	,	,	PUNCT
easat-6185	147	11	2025	2025	NUM
easat-6185	147	12	doi	doi	NOUN
easat-6185	147	13	:	:	PUNCT
easat-6185	147	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	147	15	©	©	PROPN
easat-6185	147	16	2025	2025	NUM
easat-6185	147	17	by	by	ADP
easat-6185	147	18	the	the	DET
easat-6185	147	19	authors	author	NOUN
easat-6185	147	20	;	;	PUNCT
easat-6185	147	21	licensee	licensee	PROPN
easat-6185	147	22	learning	learn	VERB
easat-6185	147	23	gate	gate	NOUN
easat-6185	147	24	table	table	NOUN
easat-6185	147	25	2	2	NUM
easat-6185	147	26	.	.	PUNCT
easat-6185	147	27	pearson	pearson	PROPN
easat-6185	147	28	correlation	correlation	NOUN
easat-6185	147	29	matrix	matrix	NOUN
easat-6185	147	30	.	.	PUNCT
easat-6185	148	1	variable	variable	NOUN
easat-6185	148	2	bdr	bdr	PROPN
easat-6185	148	3	loa	loa	PROPN
easat-6185	148	4	cti	cti	PROPN
easat-6185	148	5	nir	nir	PROPN
easat-6185	148	6	ind	ind	PROPN
easat-6185	148	7	car	car	NOUN
easat-6185	148	8	dps	dps	NOUN
easat-6185	148	9	bdr	bdr	PROPN
easat-6185	148	10	1	1	NUM
easat-6185	148	11	loa	loa	NOUN
easat-6185	148	12	-0.0125	-0.0125	NOUN
easat-6185	148	13	1	1	NUM
easat-6185	148	14	cti	cti	PROPN
easat-6185	148	15	0.2568	0.2568	NUM
easat-6185	148	16	-0.019	-0.019	ADJ
easat-6185	148	17	1	1	NUM
easat-6185	148	18	nir	nir	PROPN
easat-6185	148	19	0.0062	0.0062	NUM
easat-6185	148	20	-0.1781	-0.1781	NOUN
easat-6185	148	21	-0.0415	-0.0415	NOUN
easat-6185	148	22	1	1	NUM
easat-6185	148	23	ind	ind	NOUN
easat-6185	148	24	0.0914	0.0914	NUM
easat-6185	148	25	-0.2495	-0.2495	NOUN
easat-6185	148	26	0.0477	0.0477	NUM
easat-6185	148	27	0.8018	0.8018	NUM
easat-6185	148	28	1	1	NUM
easat-6185	148	29	car	car	NOUN
easat-6185	148	30	0.0701	0.0701	NUM
easat-6185	148	31	-0.2361	-0.2361	NOUN
easat-6185	148	32	0.0267	0.0267	NUM
easat-6185	148	33	0.22	0.22	NUM
easat-6185	148	34	0.2584	0.2584	NUM
easat-6185	148	35	1	1	NUM
easat-6185	148	36	dps	dps	NOUN
easat-6185	148	37	-0.0669	-0.0669	NOUN
easat-6185	148	38	0.0071	0.0071	NUM
easat-6185	148	39	0.0352	0.0352	NUM
easat-6185	148	40	-0.022	-0.022	NOUN
easat-6185	148	41	-0.1832	-0.1832	NOUN
easat-6185	148	42	-0.143	-0.143	NOUN
easat-6185	148	43	1	1	NUM
easat-6185	148	44	conversely	conversely	ADV
easat-6185	148	45	,	,	PUNCT
easat-6185	148	46	bdr	bdr	PROPN
easat-6185	148	47	shows	show	VERB
easat-6185	148	48	a	a	DET
easat-6185	148	49	negative	negative	ADJ
easat-6185	148	50	correlation	correlation	NOUN
easat-6185	148	51	with	with	ADP
easat-6185	148	52	the	the	DET
easat-6185	148	53	deposit	deposit	NOUN
easat-6185	148	54	-	-	PUNCT
easat-6185	148	55	to	to	ADP
easat-6185	148	56	-	-	PUNCT
easat-6185	148	57	asset	asset	NOUN
easat-6185	148	58	ratio	ratio	NOUN
easat-6185	148	59	(	(	PUNCT
easat-6185	148	60	dps	dps	NOUN
easat-6185	148	61	)	)	PUNCT
easat-6185	148	62	,	,	PUNCT
easat-6185	148	63	indicating	indicate	VERB
easat-6185	148	64	that	that	SCONJ
easat-6185	148	65	banks	bank	NOUN
easat-6185	148	66	with	with	ADP
easat-6185	148	67	a	a	DET
easat-6185	148	68	higher	high	ADJ
easat-6185	148	69	proportion	proportion	NOUN
easat-6185	148	70	of	of	ADP
easat-6185	148	71	deposit	deposit	NOUN
easat-6185	148	72	funding	funding	NOUN
easat-6185	148	73	tend	tend	VERB
easat-6185	148	74	to	to	PART
easat-6185	148	75	have	have	VERB
easat-6185	148	76	lower	low	ADJ
easat-6185	148	77	bad	bad	ADJ
easat-6185	148	78	debts	debt	NOUN
easat-6185	148	79	.	.	PUNCT
easat-6185	149	1	this	this	PRON
easat-6185	149	2	suggests	suggest	VERB
easat-6185	149	3	that	that	SCONJ
easat-6185	149	4	a	a	DET
easat-6185	149	5	stable	stable	ADJ
easat-6185	149	6	deposit	deposit	NOUN
easat-6185	149	7	base	base	NOUN
easat-6185	149	8	could	could	AUX
easat-6185	149	9	contribute	contribute	VERB
easat-6185	149	10	to	to	ADP
easat-6185	149	11	better	well	ADJ
easat-6185	149	12	loan	loan	NOUN
easat-6185	149	13	quality	quality	NOUN
easat-6185	149	14	and	and	CCONJ
easat-6185	149	15	risk	risk	NOUN
easat-6185	149	16	management	management	NOUN
easat-6185	149	17	.	.	PUNCT
easat-6185	150	1	the	the	DET
easat-6185	150	2	negative	negative	ADJ
easat-6185	150	3	relationship	relationship	NOUN
easat-6185	150	4	between	between	ADP
easat-6185	150	5	bdr	bdr	PROPN
easat-6185	150	6	and	and	CCONJ
easat-6185	150	7	loan	loan	NOUN
easat-6185	150	8	-	-	PUNCT
easat-6185	150	9	to	to	ADP
easat-6185	150	10	-	-	PUNCT
easat-6185	150	11	asset	asset	NOUN
easat-6185	150	12	ratio	ratio	NOUN
easat-6185	150	13	(	(	PUNCT
easat-6185	150	14	loa	loa	NOUN
easat-6185	150	15	)	)	PUNCT
easat-6185	150	16	contradicts	contradict	VERB
easat-6185	150	17	expectations	expectation	NOUN
easat-6185	150	18	,	,	PUNCT
easat-6185	150	19	potentially	potentially	ADV
easat-6185	150	20	reflecting	reflect	VERB
easat-6185	150	21	specific	specific	ADJ
easat-6185	150	22	lending	lending	NOUN
easat-6185	150	23	practices	practice	NOUN
easat-6185	150	24	or	or	CCONJ
easat-6185	150	25	economic	economic	ADJ
easat-6185	150	26	conditions	condition	NOUN
easat-6185	150	27	in	in	ADP
easat-6185	150	28	southeast	southeast	PROPN
easat-6185	150	29	asia	asia	PROPN
easat-6185	150	30	during	during	ADP
easat-6185	150	31	the	the	DET
easat-6185	150	32	study	study	NOUN
easat-6185	150	33	period	period	NOUN
easat-6185	150	34	that	that	PRON
easat-6185	150	35	warrant	warrant	VERB
easat-6185	150	36	further	further	ADJ
easat-6185	150	37	investigation	investigation	NOUN
easat-6185	150	38	.	.	PUNCT
easat-6185	151	1	the	the	DET
easat-6185	151	2	weak	weak	ADJ
easat-6185	151	3	positive	positive	ADJ
easat-6185	151	4	correlation	correlation	NOUN
easat-6185	151	5	between	between	ADP
easat-6185	151	6	bdr	bdr	PROPN
easat-6185	151	7	and	and	CCONJ
easat-6185	151	8	the	the	DET
easat-6185	151	9	capital	capital	NOUN
easat-6185	151	10	adequacy	adequacy	NOUN
easat-6185	151	11	ratio	ratio	NOUN
easat-6185	151	12	(	(	PUNCT
easat-6185	151	13	car	car	NOUN
easat-6185	151	14	)	)	PUNCT
easat-6185	151	15	could	could	AUX
easat-6185	151	16	indicate	indicate	VERB
easat-6185	151	17	that	that	SCONJ
easat-6185	151	18	well	well	ADV
easat-6185	151	19	-	-	PUNCT
easat-6185	151	20	capitalized	capitalize	VERB
easat-6185	151	21	banks	bank	NOUN
easat-6185	151	22	might	might	AUX
easat-6185	151	23	engage	engage	VERB
easat-6185	151	24	in	in	ADP
easat-6185	151	25	riskier	risky	ADJ
easat-6185	151	26	lending	lending	NOUN
easat-6185	151	27	,	,	PUNCT
easat-6185	151	28	leading	lead	VERB
easat-6185	151	29	to	to	ADP
easat-6185	151	30	marginally	marginally	ADV
easat-6185	151	31	higher	high	ADJ
easat-6185	151	32	bad	bad	ADJ
easat-6185	151	33	debts	debt	NOUN
easat-6185	151	34	,	,	PUNCT
easat-6185	151	35	or	or	CCONJ
easat-6185	151	36	that	that	SCONJ
easat-6185	151	37	higher	high	ADJ
easat-6185	151	38	bdrs	bdr	NOUN
easat-6185	151	39	necessitate	necessitate	ADJ
easat-6185	151	40	increased	increase	VERB
easat-6185	151	41	capital	capital	NOUN
easat-6185	151	42	buffers	buffer	NOUN
easat-6185	151	43	.	.	PUNCT
easat-6185	152	1	finally	finally	ADV
easat-6185	152	2	,	,	PUNCT
easat-6185	152	3	the	the	DET
easat-6185	152	4	near	near	ADV
easat-6185	152	5	-	-	PUNCT
easat-6185	152	6	zero	zero	NUM
easat-6185	152	7	correlation	correlation	NOUN
easat-6185	152	8	between	between	ADP
easat-6185	152	9	bdr	bdr	PROPN
easat-6185	152	10	and	and	CCONJ
easat-6185	152	11	the	the	DET
easat-6185	152	12	non	non	ADJ
easat-6185	152	13	-	-	ADJ
easat-6185	152	14	interest	interest	ADJ
easat-6185	152	15	income	income	NOUN
easat-6185	152	16	ratio	ratio	NOUN
easat-6185	152	17	(	(	PUNCT
easat-6185	152	18	nir	nir	NOUN
easat-6185	152	19	)	)	PUNCT
easat-6185	152	20	suggests	suggest	VERB
easat-6185	152	21	that	that	SCONJ
easat-6185	152	22	income	income	NOUN
easat-6185	152	23	diversification	diversification	NOUN
easat-6185	152	24	,	,	PUNCT
easat-6185	152	25	in	in	ADP
easat-6185	152	26	itself	itself	PRON
easat-6185	152	27	,	,	PUNCT
easat-6185	152	28	might	might	AUX
easat-6185	152	29	not	not	PART
easat-6185	152	30	have	have	VERB
easat-6185	152	31	a	a	DET
easat-6185	152	32	direct	direct	ADJ
easat-6185	152	33	impact	impact	NOUN
easat-6185	152	34	on	on	ADP
easat-6185	152	35	bad	bad	ADJ
easat-6185	152	36	debt	debt	NOUN
easat-6185	152	37	levels	level	NOUN
easat-6185	152	38	.	.	PUNCT
easat-6185	153	1	these	these	DET
easat-6185	153	2	findings	finding	NOUN
easat-6185	153	3	highlight	highlight	VERB
easat-6185	153	4	the	the	DET
easat-6185	153	5	complex	complex	ADJ
easat-6185	153	6	interplay	interplay	NOUN
easat-6185	153	7	of	of	ADP
easat-6185	153	8	factors	factor	NOUN
easat-6185	153	9	influencing	influence	VERB
easat-6185	153	10	bank	bank	NOUN
easat-6185	153	11	performance	performance	NOUN
easat-6185	153	12	in	in	ADP
easat-6185	153	13	southeast	southeast	PROPN
easat-6185	153	14	asia	asia	PROPN
easat-6185	153	15	and	and	CCONJ
easat-6185	153	16	underscore	underscore	VERB
easat-6185	153	17	the	the	DET
easat-6185	153	18	need	need	NOUN
easat-6185	153	19	for	for	ADP
easat-6185	153	20	further	further	ADJ
easat-6185	153	21	research	research	NOUN
easat-6185	153	22	using	use	VERB
easat-6185	153	23	more	more	ADV
easat-6185	153	24	sophisticated	sophisticated	ADJ
easat-6185	153	25	analytical	analytical	ADJ
easat-6185	153	26	techniques	technique	NOUN
easat-6185	153	27	.	.	PUNCT
easat-6185	154	1	4.2	4.2	NUM
easat-6185	154	2	.	.	PUNCT
easat-6185	154	3	estimation	estimation	NOUN
easat-6185	154	4	results	result	VERB
easat-6185	154	5	the	the	DET
easat-6185	154	6	breusch	breusch	ADV
easat-6185	154	7	-	-	PUNCT
easat-6185	154	8	pagan	pagan	VERB
easat-6185	154	9	/	/	SYM
easat-6185	154	10	cook	cook	PROPN
easat-6185	154	11	-	-	PUNCT
easat-6185	154	12	weisberg	weisberg	PROPN
easat-6185	154	13	test	test	NOUN
easat-6185	154	14	results	result	NOUN
easat-6185	154	15	decisively	decisively	ADV
easat-6185	154	16	reject	reject	VERB
easat-6185	154	17	the	the	DET
easat-6185	154	18	null	null	ADJ
easat-6185	154	19	hypothesis	hypothesis	NOUN
easat-6185	154	20	of	of	ADP
easat-6185	154	21	homoskedasticity	homoskedasticity	NOUN
easat-6185	154	22	(	(	PUNCT
easat-6185	154	23	constant	constant	ADJ
easat-6185	154	24	variance	variance	NOUN
easat-6185	154	25	)	)	PUNCT
easat-6185	154	26	in	in	ADP
easat-6185	154	27	the	the	DET
easat-6185	154	28	regression	regression	NOUN
easat-6185	154	29	model	model	NOUN
easat-6185	154	30	.	.	PUNCT
easat-6185	155	1	the	the	DET
easat-6185	155	2	chi	chi	NOUN
easat-6185	155	3	-	-	PUNCT
easat-6185	155	4	squared	square	VERB
easat-6185	155	5	statistic	statistic	NOUN
easat-6185	155	6	of	of	ADP
easat-6185	155	7	79.90	79.90	NUM
easat-6185	155	8	with	with	ADP
easat-6185	155	9	a	a	DET
easat-6185	155	10	p	p	NOUN
easat-6185	155	11	-	-	PUNCT
easat-6185	155	12	value	value	NOUN
easat-6185	155	13	of	of	ADP
easat-6185	155	14	0.0000	0.0000	NUM
easat-6185	155	15	indicates	indicate	VERB
easat-6185	155	16	that	that	SCONJ
easat-6185	155	17	there	there	PRON
easat-6185	155	18	is	be	VERB
easat-6185	155	19	statistically	statistically	ADV
easat-6185	155	20	significant	significant	ADJ
easat-6185	155	21	evidence	evidence	NOUN
easat-6185	155	22	of	of	ADP
easat-6185	155	23	heteroskedasticity	heteroskedasticity	NOUN
easat-6185	155	24	.	.	PUNCT
easat-6185	156	1	this	this	PRON
easat-6185	156	2	means	mean	VERB
easat-6185	156	3	that	that	SCONJ
easat-6185	156	4	the	the	DET
easat-6185	156	5	variance	variance	NOUN
easat-6185	156	6	of	of	ADP
easat-6185	156	7	the	the	DET
easat-6185	156	8	error	error	NOUN
easat-6185	156	9	term	term	NOUN
easat-6185	156	10	in	in	ADP
easat-6185	156	11	the	the	DET
easat-6185	156	12	regression	regression	NOUN
easat-6185	156	13	model	model	NOUN
easat-6185	156	14	is	be	AUX
easat-6185	156	15	not	not	PART
easat-6185	156	16	constant	constant	ADJ
easat-6185	156	17	across	across	ADP
easat-6185	156	18	all	all	DET
easat-6185	156	19	observations	observation	NOUN
easat-6185	156	20	.	.	PUNCT
easat-6185	157	1	addressing	address	VERB
easat-6185	157	2	this	this	DET
easat-6185	157	3	issue	issue	NOUN
easat-6185	157	4	requires	require	VERB
easat-6185	157	5	employing	employ	VERB
easat-6185	157	6	techniques	technique	NOUN
easat-6185	157	7	like	like	ADP
easat-6185	157	8	robust	robust	ADJ
easat-6185	157	9	standard	standard	ADJ
easat-6185	157	10	errors	error	NOUN
easat-6185	157	11	,	,	PUNCT
easat-6185	157	12	which	which	PRON
easat-6185	157	13	provide	provide	VERB
easat-6185	157	14	consistent	consistent	ADJ
easat-6185	157	15	estimates	estimate	NOUN
easat-6185	157	16	of	of	ADP
easat-6185	157	17	standard	standard	ADJ
easat-6185	157	18	errors	error	NOUN
easat-6185	157	19	even	even	ADV
easat-6185	157	20	in	in	ADP
easat-6185	157	21	the	the	DET
easat-6185	157	22	presence	presence	NOUN
easat-6185	157	23	of	of	ADP
easat-6185	157	24	heteroskedasticity	heteroskedasticity	NOUN
easat-6185	157	25	.	.	PUNCT
easat-6185	158	1	in	in	ADP
easat-6185	158	2	this	this	DET
easat-6185	158	3	study	study	NOUN
easat-6185	158	4	,	,	PUNCT
easat-6185	158	5	the	the	DET
easat-6185	158	6	hausman	hausman	PROPN
easat-6185	158	7	test	test	NOUN
easat-6185	158	8	yields	yield	VERB
easat-6185	158	9	a	a	DET
easat-6185	158	10	chi	chi	ADV
easat-6185	158	11	-	-	PUNCT
easat-6185	158	12	squared	square	VERB
easat-6185	158	13	statistic	statistic	NOUN
easat-6185	158	14	of	of	ADP
easat-6185	158	15	203.27	203.27	NUM
easat-6185	158	16	with	with	ADP
easat-6185	158	17	a	a	DET
easat-6185	158	18	p	p	NOUN
easat-6185	158	19	-	-	PUNCT
easat-6185	158	20	value	value	NOUN
easat-6185	158	21	of	of	ADP
easat-6185	158	22	0.0000	0.0000	NUM
easat-6185	158	23	.	.	PUNCT
easat-6185	159	1	this	this	DET
easat-6185	159	2	highly	highly	ADV
easat-6185	159	3	significant	significant	ADJ
easat-6185	159	4	p	p	ADJ
easat-6185	159	5	-	-	PUNCT
easat-6185	159	6	value	value	NOUN
easat-6185	159	7	leads	lead	VERB
easat-6185	159	8	to	to	ADP
easat-6185	159	9	a	a	DET
easat-6185	159	10	strong	strong	ADJ
easat-6185	159	11	rejection	rejection	NOUN
easat-6185	159	12	of	of	ADP
easat-6185	159	13	the	the	DET
easat-6185	159	14	null	null	ADJ
easat-6185	159	15	hypothesis	hypothesis	NOUN
easat-6185	159	16	.	.	PUNCT
easat-6185	160	1	therefore	therefore	ADV
easat-6185	160	2	,	,	PUNCT
easat-6185	160	3	the	the	DET
easat-6185	160	4	test	test	NOUN
easat-6185	160	5	indicates	indicate	VERB
easat-6185	160	6	that	that	SCONJ
easat-6185	160	7	the	the	DET
easat-6185	160	8	difference	difference	NOUN
easat-6185	160	9	in	in	ADP
easat-6185	160	10	coefficients	coefficient	NOUN
easat-6185	160	11	between	between	ADP
easat-6185	160	12	the	the	DET
easat-6185	160	13	fe	fe	NOUN
easat-6185	160	14	and	and	CCONJ
easat-6185	160	15	re	re	NOUN
easat-6185	160	16	models	model	NOUN
easat-6185	160	17	is	be	AUX
easat-6185	160	18	systematic	systematic	ADJ
easat-6185	160	19	,	,	PUNCT
easat-6185	160	20	suggesting	suggest	VERB
easat-6185	160	21	that	that	SCONJ
easat-6185	160	22	the	the	DET
easat-6185	160	23	re	re	X
easat-6185	160	24	estimator	estimator	NOUN
easat-6185	160	25	is	be	AUX
easat-6185	160	26	inconsistent	inconsistent	ADJ
easat-6185	160	27	.	.	PUNCT
easat-6185	161	1	this	this	DET
easat-6185	161	2	result	result	NOUN
easat-6185	161	3	favors	favor	VERB
easat-6185	161	4	the	the	DET
easat-6185	161	5	use	use	NOUN
easat-6185	161	6	of	of	ADP
easat-6185	161	7	the	the	DET
easat-6185	161	8	fixed	fix	VERB
easat-6185	161	9	-	-	PUNCT
easat-6185	161	10	effects	effect	NOUN
easat-6185	161	11	estimator	estimator	NOUN
easat-6185	161	12	over	over	ADP
easat-6185	161	13	the	the	DET
easat-6185	161	14	random	random	ADJ
easat-6185	161	15	-	-	PUNCT
easat-6185	161	16	effects	effect	NOUN
easat-6185	161	17	estimator	estimator	NOUN
easat-6185	161	18	for	for	ADP
easat-6185	161	19	this	this	DET
easat-6185	161	20	panel	panel	NOUN
easat-6185	161	21	dataset	dataset	VERB
easat-6185	161	22	.	.	PUNCT
easat-6185	162	1	the	the	DET
easat-6185	162	2	modified	modify	VERB
easat-6185	162	3	wald	wald	PROPN
easat-6185	162	4	test	test	NOUN
easat-6185	162	5	examines	examine	VERB
easat-6185	162	6	the	the	DET
easat-6185	162	7	presence	presence	NOUN
easat-6185	162	8	of	of	ADP
easat-6185	162	9	groupwise	groupwise	NOUN
easat-6185	162	10	heteroskedasticity	heteroskedasticity	NOUN
easat-6185	162	11	in	in	ADP
easat-6185	162	12	a	a	DET
easat-6185	162	13	fixed	fix	VERB
easat-6185	162	14	-	-	PUNCT
easat-6185	162	15	effects	effect	NOUN
easat-6185	162	16	regression	regression	NOUN
easat-6185	162	17	model	model	NOUN
easat-6185	162	18	.	.	PUNCT
easat-6185	163	1	the	the	DET
easat-6185	163	2	null	null	ADJ
easat-6185	163	3	hypothesis	hypothesis	NOUN
easat-6185	163	4	(	(	PUNCT
easat-6185	163	5	h0	h0	NOUN
easat-6185	163	6	)	)	PUNCT
easat-6185	163	7	of	of	ADP
easat-6185	163	8	this	this	DET
easat-6185	163	9	test	test	NOUN
easat-6185	163	10	posits	posit	NOUN
easat-6185	163	11	that	that	SCONJ
easat-6185	163	12	the	the	DET
easat-6185	163	13	error	error	NOUN
easat-6185	163	14	variance	variance	NOUN
easat-6185	163	15	is	be	AUX
easat-6185	163	16	constant	constant	ADJ
easat-6185	163	17	across	across	ADP
easat-6185	163	18	all	all	DET
easat-6185	163	19	groups	group	NOUN
easat-6185	163	20	(	(	PUNCT
easat-6185	163	21	i.e.	i.e.	X
easat-6185	163	22	,	,	PUNCT
easat-6185	163	23	banks	bank	NOUN
easat-6185	163	24	in	in	ADP
easat-6185	163	25	this	this	DET
easat-6185	163	26	context	context	NOUN
easat-6185	163	27	)	)	PUNCT
easat-6185	163	28	,	,	PUNCT
easat-6185	163	29	meaning	mean	VERB
easat-6185	163	30	homoskedasticity	homoskedasticity	NOUN
easat-6185	163	31	exists	exist	VERB
easat-6185	163	32	within	within	ADP
easat-6185	163	33	each	each	DET
easat-6185	163	34	bank	bank	NOUN
easat-6185	163	35	over	over	ADP
easat-6185	163	36	time	time	NOUN
easat-6185	163	37	.	.	PUNCT
easat-6185	164	1	the	the	DET
easat-6185	164	2	alternative	alternative	ADJ
easat-6185	164	3	hypothesis	hypothesis	NOUN
easat-6185	164	4	(	(	PUNCT
easat-6185	164	5	ha	ha	INTJ
easat-6185	164	6	)	)	PUNCT
easat-6185	164	7	suggests	suggest	VERB
easat-6185	164	8	that	that	SCONJ
easat-6185	164	9	the	the	DET
easat-6185	164	10	error	error	NOUN
easat-6185	164	11	variance	variance	NOUN
easat-6185	164	12	differs	differ	VERB
easat-6185	164	13	across	across	ADP
easat-6185	164	14	groups	group	NOUN
easat-6185	164	15	,	,	PUNCT
easat-6185	164	16	indicating	indicate	VERB
easat-6185	164	17	groupwise	groupwise	NOUN
easat-6185	164	18	heteroskedasticity	heteroskedasticity	NOUN
easat-6185	164	19	.	.	PUNCT
easat-6185	165	1	the	the	DET
easat-6185	165	2	test	test	NOUN
easat-6185	165	3	statistic	statistic	NOUN
easat-6185	165	4	,	,	PUNCT
easat-6185	165	5	a	a	DET
easat-6185	165	6	chi	chi	NOUN
easat-6185	165	7	-	-	PUNCT
easat-6185	165	8	squared	square	VERB
easat-6185	165	9	value	value	NOUN
easat-6185	165	10	of	of	ADP
easat-6185	165	11	10107.58	10107.58	NUM
easat-6185	165	12	with	with	ADP
easat-6185	165	13	55	55	NUM
easat-6185	165	14	degrees	degree	NOUN
easat-6185	165	15	of	of	ADP
easat-6185	165	16	freedom	freedom	NOUN
easat-6185	165	17	(	(	PUNCT
easat-6185	165	18	corresponding	correspond	VERB
easat-6185	165	19	to	to	ADP
easat-6185	165	20	the	the	DET
easat-6185	165	21	number	number	NOUN
easat-6185	165	22	of	of	ADP
easat-6185	165	23	banks	bank	NOUN
easat-6185	165	24	)	)	PUNCT
easat-6185	165	25	,	,	PUNCT
easat-6185	165	26	is	be	AUX
easat-6185	165	27	highly	highly	ADV
easat-6185	165	28	significant	significant	ADJ
easat-6185	165	29	(	(	PUNCT
easat-6185	165	30	p	p	NOUN
easat-6185	165	31	-	-	PUNCT
easat-6185	165	32	value	value	NOUN
easat-6185	165	33	=	=	NOUN
easat-6185	165	34	0.0000	0.0000	NUM
easat-6185	165	35	)	)	PUNCT
easat-6185	165	36	.	.	PUNCT
easat-6185	166	1	this	this	PRON
easat-6185	166	2	overwhelmingly	overwhelmingly	ADV
easat-6185	166	3	rejects	reject	VERB
easat-6185	166	4	the	the	DET
easat-6185	166	5	null	null	ADJ
easat-6185	166	6	hypothesis	hypothesis	NOUN
easat-6185	166	7	of	of	ADP
easat-6185	166	8	homoskedasticity	homoskedasticity	NOUN
easat-6185	166	9	.	.	PUNCT
easat-6185	167	1	the	the	DET
easat-6185	167	2	results	result	NOUN
easat-6185	167	3	provide	provide	VERB
easat-6185	167	4	strong	strong	ADJ
easat-6185	167	5	evidence	evidence	NOUN
easat-6185	167	6	that	that	SCONJ
easat-6185	167	7	the	the	DET
easat-6185	167	8	variance	variance	NOUN
easat-6185	167	9	of	of	ADP
easat-6185	167	10	the	the	DET
easat-6185	167	11	error	error	NOUN
easat-6185	167	12	term	term	NOUN
easat-6185	167	13	is	be	AUX
easat-6185	167	14	not	not	PART
easat-6185	167	15	constant	constant	ADJ
easat-6185	167	16	across	across	ADP
easat-6185	167	17	the	the	DET
easat-6185	167	18	65	65	NUM
easat-6185	167	19	banks	bank	NOUN
easat-6185	167	20	in	in	ADP
easat-6185	167	21	the	the	DET
easat-6185	167	22	sample	sample	NOUN
easat-6185	167	23	.	.	PUNCT
easat-6185	168	1	in	in	ADP
easat-6185	168	2	other	other	ADJ
easat-6185	168	3	words	word	NOUN
easat-6185	168	4	,	,	PUNCT
easat-6185	168	5	the	the	DET
easat-6185	168	6	variability	variability	NOUN
easat-6185	168	7	of	of	ADP
easat-6185	168	8	the	the	DET
easat-6185	168	9	residuals	residual	NOUN
easat-6185	168	10	differs	differ	VERB
easat-6185	168	11	significantly	significantly	ADV
easat-6185	168	12	from	from	ADP
easat-6185	168	13	one	one	NUM
easat-6185	168	14	bank	bank	NOUN
easat-6185	168	15	to	to	ADP
easat-6185	168	16	another	another	PRON
easat-6185	168	17	.	.	PUNCT
easat-6185	169	1	to	to	PART
easat-6185	169	2	overcome	overcome	VERB
easat-6185	169	3	heterogeneity	heterogeneity	NOUN
easat-6185	169	4	of	of	ADP
easat-6185	169	5	group	group	NOUN
easat-6185	169	6	variance	variance	NOUN
easat-6185	169	7	,	,	PUNCT
easat-6185	169	8	this	this	DET
easat-6185	169	9	study	study	NOUN
easat-6185	169	10	uses	use	VERB
easat-6185	169	11	fem	fem	NOUN
easat-6185	169	12	robust	robust	ADJ
easat-6185	169	13	standard	standard	ADJ
easat-6185	169	14	errors	error	NOUN
easat-6185	169	15	regression	regression	VERB
easat-6185	169	16	.	.	PUNCT
easat-6185	170	1	the	the	DET
easat-6185	170	2	coefficients	coefficient	NOUN
easat-6185	170	3	in	in	ADP
easat-6185	170	4	the	the	DET
easat-6185	170	5	model	model	NOUN
easat-6185	170	6	are	be	AUX
easat-6185	170	7	estimated	estimate	VERB
easat-6185	170	8	using	use	VERB
easat-6185	170	9	panel	panel	NOUN
easat-6185	170	10	data	datum	NOUN
easat-6185	170	11	regression	regression	NOUN
easat-6185	170	12	model	model	NOUN
easat-6185	170	13	using	use	VERB
easat-6185	170	14	fem	fem	NOUN
easat-6185	170	15	robust	robust	ADJ
easat-6185	170	16	standard	standard	ADJ
easat-6185	170	17	errors	error	NOUN
easat-6185	170	18	,	,	PUNCT
easat-6185	170	19	the	the	DET
easat-6185	170	20	findings	finding	NOUN
easat-6185	170	21	are	be	AUX
easat-6185	170	22	shown	show	VERB
easat-6185	170	23	in	in	ADP
easat-6185	170	24	the	the	DET
easat-6185	170	25	table	table	NOUN
easat-6185	170	26	as	as	SCONJ
easat-6185	170	27	follows	follow	VERB
easat-6185	170	28	:	:	PUNCT
easat-6185	170	29	1126	1126	NUM
easat-6185	170	30	edelweiss	edelweiss	PROPN
easat-6185	170	31	applied	apply	VERB
easat-6185	170	32	science	science	NOUN
easat-6185	170	33	and	and	CCONJ
easat-6185	170	34	technology	technology	NOUN
easat-6185	170	35	issn	issn	PROPN
easat-6185	170	36	:	:	PUNCT
easat-6185	170	37	2576	2576	NUM
easat-6185	170	38	-	-	SYM
easat-6185	170	39	8484	8484	NUM
easat-6185	170	40	vol	vol	NOUN
easat-6185	170	41	.	.	PROPN
easat-6185	171	1	9	9	NUM
easat-6185	171	2	,	,	PUNCT
easat-6185	171	3	no	no	INTJ
easat-6185	171	4	.	.	NOUN
easat-6185	171	5	4	4	NUM
easat-6185	171	6	:	:	SYM
easat-6185	171	7	1120	1120	NUM
easat-6185	171	8	-	-	SYM
easat-6185	171	9	1130	1130	NUM
easat-6185	171	10	,	,	PUNCT
easat-6185	171	11	2025	2025	NUM
easat-6185	171	12	doi	doi	NOUN
easat-6185	171	13	:	:	PUNCT
easat-6185	171	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	171	15	©	©	PROPN
easat-6185	171	16	2025	2025	NUM
easat-6185	171	17	by	by	ADP
easat-6185	171	18	the	the	DET
easat-6185	171	19	authors	author	NOUN
easat-6185	171	20	;	;	PUNCT
easat-6185	171	21	licensee	licensee	PROPN
easat-6185	171	22	learning	learn	VERB
easat-6185	171	23	gate	gate	NOUN
easat-6185	171	24	table	table	NOUN
easat-6185	171	25	3	3	NUM
easat-6185	171	26	.	.	PUNCT
easat-6185	171	27	results	result	NOUN
easat-6185	171	28	of	of	ADP
easat-6185	171	29	the	the	DET
easat-6185	171	30	fem	fem	NOUN
easat-6185	171	31	robust	robust	ADJ
easat-6185	171	32	standard	standard	ADJ
easat-6185	171	33	errors	error	NOUN
easat-6185	171	34	regression	regression	VERB
easat-6185	171	35	.	.	PUNCT
easat-6185	172	1	variable	variable	ADJ
easat-6185	172	2	coefficient	coefficient	PROPN
easat-6185	172	3	standard	standard	ADJ
easat-6185	172	4	error	error	NOUN
easat-6185	172	5	t	t	NOUN
easat-6185	172	6	-	-	PUNCT
easat-6185	172	7	statistic	statistic	NOUN
easat-6185	172	8	p	p	NOUN
easat-6185	172	9	-	-	PUNCT
easat-6185	172	10	value	value	NOUN
easat-6185	172	11	95	95	NUM
easat-6185	172	12	%	%	NOUN
easat-6185	172	13	confidence	confidence	NOUN
easat-6185	172	14	interval	interval	NOUN
easat-6185	172	15	bdr_lag1	bdr_lag1	PUNCT
easat-6185	172	16	0.1659	0.1659	NUM
easat-6185	172	17	0.0807	0.0807	NUM
easat-6185	172	18	2.0600	2.0600	NUM
easat-6185	172	19	0.0450	0.0450	NUM
easat-6185	172	20	*	*	PUNCT
easat-6185	172	21	*	*	PUNCT
easat-6185	173	1	[	[	X
easat-6185	173	2	0.0041	0.0041	NUM
easat-6185	173	3	,	,	PUNCT
easat-6185	173	4	0.3278	0.3278	NUM
easat-6185	173	5	]	]	PUNCT
easat-6185	173	6	ind	ind	NOUN
easat-6185	173	7	0.0275	0.0275	NUM
easat-6185	173	8	0.0118	0.0118	NUM
easat-6185	173	9	2.3300	2.3300	NUM
easat-6185	173	10	0.0240	0.0240	NUM
easat-6185	173	11	*	*	NOUN
easat-6185	173	12	*	*	PUNCT
easat-6185	174	1	[	[	X
easat-6185	174	2	0.0038	0.0038	NUM
easat-6185	174	3	,	,	PUNCT
easat-6185	174	4	0.0512	0.0512	NUM
easat-6185	174	5	]	]	PUNCT
easat-6185	174	6	nir	nir	PROPN
easat-6185	174	7	-0.0036	-0.0036	NOUN
easat-6185	174	8	0.0070	0.0070	NUM
easat-6185	174	9	-0.5100	-0.5100	X
easat-6185	175	1	0.6110	0.6110	NUM
easat-6185	176	1	[	[	X
easat-6185	176	2	-0.0178	-0.0178	X
easat-6185	176	3	,	,	PUNCT
easat-6185	176	4	0.0106	0.0106	NUM
easat-6185	176	5	]	]	X
easat-6185	176	6	loa	loa	NOUN
easat-6185	176	7	-0.0072	-0.0072	NOUN
easat-6185	176	8	0.0101	0.0101	NUM
easat-6185	176	9	-0.7200	-0.7200	NOUN
easat-6185	177	1	0.4740	0.4740	NUM
easat-6185	177	2	[	[	X
easat-6185	177	3	-0.0274	-0.0274	ADJ
easat-6185	177	4	,	,	PUNCT
easat-6185	177	5	0.0129	0.0129	NUM
easat-6185	177	6	]	]	PUNCT
easat-6185	177	7	dps	dps	NOUN
easat-6185	177	8	0.0019	0.0019	NUM
easat-6185	177	9	0.0105	0.0105	NUM
easat-6185	177	10	0.1800	0.1800	NUM
easat-6185	177	11	0.8600	0.8600	NUM
easat-6185	177	12	[	[	X
easat-6185	177	13	-0.0193	-0.0193	NOUN
easat-6185	177	14	,	,	PUNCT
easat-6185	177	15	0.0230	0.0230	NUM
easat-6185	177	16	]	]	PUNCT
easat-6185	177	17	cti	cti	PROPN
easat-6185	177	18	0.0104	0.0104	NUM
easat-6185	177	19	0.0121	0.0121	NUM
easat-6185	177	20	0.8600	0.8600	NUM
easat-6185	177	21	0.3930	0.3930	NUM
easat-6185	178	1	[	[	X
easat-6185	178	2	-0.0138	-0.0138	X
easat-6185	178	3	,	,	PUNCT
easat-6185	178	4	0.0347	0.0347	NUM
easat-6185	178	5	]	]	X
easat-6185	178	6	car	car	NOUN
easat-6185	178	7	-0.0013	-0.0013	NOUN
easat-6185	178	8	0.0004	0.0004	NUM
easat-6185	178	9	-3.7000	-3.7000	X
easat-6185	179	1	0.0010	0.0010	NUM
easat-6185	179	2	*	*	PUNCT
easat-6185	179	3	*	*	PUNCT
easat-6185	179	4	*	*	PUNCT
easat-6185	180	1	[	[	X
easat-6185	180	2	-0.0020	-0.0020	X
easat-6185	180	3	,	,	PUNCT
easat-6185	180	4	-0.0006	-0.0006	NOUN
easat-6185	180	5	]	]	PUNCT
easat-6185	181	1	cov19	cov19	PROPN
easat-6185	181	2	0.0033	0.0033	NUM
easat-6185	181	3	0.0012	0.0012	NUM
easat-6185	181	4	2.7300	2.7300	NUM
easat-6185	181	5	0.0090	0.0090	NUM
easat-6185	181	6	*	*	PUNCT
easat-6185	181	7	*	*	PUNCT
easat-6185	181	8	*	*	PUNCT
easat-6185	182	1	[	[	X
easat-6185	182	2	0.0009	0.0009	NUM
easat-6185	182	3	,	,	PUNCT
easat-6185	182	4	0.0057	0.0057	NUM
easat-6185	182	5	]	]	PUNCT
easat-6185	182	6	constant	constant	ADJ
easat-6185	182	7	0.0284	0.0284	NUM
easat-6185	182	8	0.0149	0.0149	NUM
easat-6185	182	9	1.9100	1.9100	NUM
easat-6185	182	10	0.0610	0.0610	NUM
easat-6185	183	1	[	[	X
easat-6185	183	2	-0.0014	-0.0014	X
easat-6185	183	3	,	,	PUNCT
easat-6185	183	4	0.0582	0.0582	NUM
easat-6185	183	5	]	]	PUNCT
easat-6185	183	6	note	note	NOUN
easat-6185	183	7	:	:	PUNCT
easat-6185	184	1	*	*	PUNCT
easat-6185	184	2	*	*	PUNCT
easat-6185	184	3	*	*	PUNCT
easat-6185	184	4	:	:	PUNCT
easat-6185	184	5	p_value	p_value	NOUN
easat-6185	184	6	<	<	X
easat-6185	184	7	0.01	0.01	NUM
easat-6185	184	8	;	;	PUNCT
easat-6185	184	9	*	*	PUNCT
easat-6185	184	10	*	*	PUNCT
easat-6185	184	11	:	:	PUNCT
easat-6185	184	12	p_value	p_value	NOUN
easat-6185	184	13	<	<	NOUN
easat-6185	184	14	0.05	0.05	NUM
easat-6185	184	15	;	;	PUNCT
easat-6185	184	16	*	*	PUNCT
easat-6185	184	17	:	:	PUNCT
easat-6185	184	18	p_value<0.1	p_value<0.1	NOUN
easat-6185	184	19	.	.	PUNCT
easat-6185	185	1	the	the	DET
easat-6185	185	2	fem	fem	NOUN
easat-6185	185	3	-	-	PUNCT
easat-6185	185	4	robust	robust	ADJ
easat-6185	185	5	regression	regression	NOUN
easat-6185	185	6	results	result	NOUN
easat-6185	185	7	provide	provide	VERB
easat-6185	185	8	interesting	interesting	ADJ
easat-6185	185	9	insights	insight	NOUN
easat-6185	185	10	into	into	ADP
easat-6185	185	11	the	the	DET
easat-6185	185	12	determinants	determinant	NOUN
easat-6185	185	13	of	of	ADP
easat-6185	185	14	npl	npl	PROPN
easat-6185	185	15	ratio	ratio	NOUN
easat-6185	185	16	(	(	PUNCT
easat-6185	185	17	bdr	bdr	PROPN
easat-6185	185	18	)	)	PUNCT
easat-6185	185	19	of	of	ADP
easat-6185	185	20	listed	list	VERB
easat-6185	185	21	joint	joint	ADJ
easat-6185	185	22	stock	stock	NOUN
easat-6185	185	23	commercial	commercial	ADJ
easat-6185	185	24	banks	bank	NOUN
easat-6185	185	25	in	in	ADP
easat-6185	185	26	southeast	southeast	PROPN
easat-6185	185	27	asia	asia	PROPN
easat-6185	185	28	,	,	PUNCT
easat-6185	185	29	particularly	particularly	ADV
easat-6185	185	30	with	with	ADP
easat-6185	185	31	regard	regard	NOUN
easat-6185	185	32	to	to	ADP
easat-6185	185	33	the	the	DET
easat-6185	185	34	impact	impact	NOUN
easat-6185	185	35	of	of	ADP
easat-6185	185	36	lagged	lagged	ADJ
easat-6185	185	37	bdr	bdr	PROPN
easat-6185	185	38	,	,	PUNCT
easat-6185	185	39	income	income	NOUN
easat-6185	185	40	diversification	diversification	NOUN
easat-6185	185	41	(	(	PUNCT
easat-6185	185	42	ind	ind	NOUN
easat-6185	185	43	)	)	PUNCT
easat-6185	185	44	,	,	PUNCT
easat-6185	185	45	covid-19	covid-19	PROPN
easat-6185	185	46	pandemic	pandemic	ADJ
easat-6185	185	47	(	(	PUNCT
easat-6185	185	48	cov19	cov19	PROPN
easat-6185	185	49	)	)	PUNCT
easat-6185	185	50	and	and	CCONJ
easat-6185	185	51	capital	capital	NOUN
easat-6185	185	52	adequacy	adequacy	NOUN
easat-6185	185	53	(	(	PUNCT
easat-6185	185	54	car	car	NOUN
easat-6185	185	55	)	)	PUNCT
easat-6185	185	56	.	.	PUNCT
easat-6185	186	1	the	the	DET
easat-6185	186	2	positive	positive	ADJ
easat-6185	186	3	impact	impact	NOUN
easat-6185	186	4	of	of	ADP
easat-6185	186	5	bdr_lag1	bdr_lag1	PROPN
easat-6185	186	6	is	be	AUX
easat-6185	186	7	reflected	reflect	VERB
easat-6185	186	8	in	in	ADP
easat-6185	186	9	the	the	DET
easat-6185	186	10	positive	positive	ADJ
easat-6185	186	11	and	and	CCONJ
easat-6185	186	12	statistically	statistically	ADV
easat-6185	186	13	significant	significant	ADJ
easat-6185	186	14	regression	regression	NOUN
easat-6185	186	15	coefficient	coefficient	NOUN
easat-6185	186	16	of	of	ADP
easat-6185	186	17	bdr_lag1	bdr_lag1	X
easat-6185	186	18	(	(	PUNCT
easat-6185	186	19	0.1659	0.1659	NUM
easat-6185	186	20	)	)	PUNCT
easat-6185	186	21	confirming	confirm	VERB
easat-6185	186	22	the	the	DET
easat-6185	186	23	persistence	persistence	NOUN
easat-6185	186	24	of	of	ADP
easat-6185	186	25	npls	npls	NOUN
easat-6185	186	26	.	.	PUNCT
easat-6185	187	1	this	this	PRON
easat-6185	187	2	suggests	suggest	VERB
easat-6185	187	3	that	that	SCONJ
easat-6185	187	4	banks	bank	NOUN
easat-6185	187	5	with	with	ADP
easat-6185	187	6	higher	high	ADJ
easat-6185	187	7	npl	npl	NOUN
easat-6185	187	8	ratios	ratio	NOUN
easat-6185	187	9	in	in	ADP
easat-6185	187	10	the	the	DET
easat-6185	187	11	previous	previous	ADJ
easat-6185	187	12	year	year	NOUN
easat-6185	187	13	are	be	AUX
easat-6185	187	14	likely	likely	ADJ
easat-6185	187	15	to	to	PART
easat-6185	187	16	experience	experience	VERB
easat-6185	187	17	higher	high	ADJ
easat-6185	187	18	npl	npl	NOUN
easat-6185	187	19	ratios	ratio	NOUN
easat-6185	187	20	in	in	ADP
easat-6185	187	21	the	the	DET
easat-6185	187	22	current	current	ADJ
easat-6185	187	23	year	year	NOUN
easat-6185	187	24	.	.	PUNCT
easat-6185	188	1	this	this	DET
easat-6185	188	2	phenomenon	phenomenon	NOUN
easat-6185	188	3	may	may	AUX
easat-6185	188	4	be	be	AUX
easat-6185	188	5	due	due	ADJ
easat-6185	188	6	to	to	ADP
easat-6185	188	7	several	several	ADJ
easat-6185	188	8	factors	factor	NOUN
easat-6185	188	9	common	common	ADJ
easat-6185	188	10	in	in	ADP
easat-6185	188	11	the	the	DET
easat-6185	188	12	southeast	southeast	ADJ
easat-6185	188	13	asian	asian	ADJ
easat-6185	188	14	banking	banking	NOUN
easat-6185	188	15	context	context	NOUN
easat-6185	188	16	.	.	PUNCT
easat-6185	189	1	many	many	ADJ
easat-6185	189	2	southeast	southeast	ADJ
easat-6185	189	3	asian	asian	ADJ
easat-6185	189	4	countries	country	NOUN
easat-6185	189	5	have	have	VERB
easat-6185	189	6	less	less	ADV
easat-6185	189	7	effective	effective	ADJ
easat-6185	189	8	legal	legal	ADJ
easat-6185	189	9	frameworks	framework	NOUN
easat-6185	189	10	and	and	CCONJ
easat-6185	189	11	debt	debt	NOUN
easat-6185	189	12	collection	collection	NOUN
easat-6185	189	13	processes	process	NOUN
easat-6185	189	14	,	,	PUNCT
easat-6185	189	15	which	which	PRON
easat-6185	189	16	prolong	prolong	VERB
easat-6185	189	17	the	the	DET
easat-6185	189	18	resolution	resolution	NOUN
easat-6185	189	19	of	of	ADP
easat-6185	189	20	npls	npls	NOUN
easat-6185	189	21	and	and	CCONJ
easat-6185	189	22	contribute	contribute	VERB
easat-6185	189	23	to	to	ADP
easat-6185	189	24	their	their	PRON
easat-6185	189	25	persistence	persistence	NOUN
easat-6185	189	26	.	.	PUNCT
easat-6185	190	1	lending	lending	NOUN
easat-6185	190	2	decisions	decision	NOUN
easat-6185	190	3	in	in	ADP
easat-6185	190	4	some	some	DET
easat-6185	190	5	southeast	southeast	ADJ
easat-6185	190	6	asian	asian	ADJ
easat-6185	190	7	markets	market	NOUN
easat-6185	190	8	are	be	AUX
easat-6185	190	9	often	often	ADV
easat-6185	190	10	influenced	influence	VERB
easat-6185	190	11	by	by	ADP
easat-6185	190	12	pre	pre	ADJ
easat-6185	190	13	-	-	ADJ
easat-6185	190	14	existing	existing	ADJ
easat-6185	190	15	relationships	relationship	NOUN
easat-6185	190	16	rather	rather	ADV
easat-6185	190	17	than	than	ADP
easat-6185	190	18	strictly	strictly	ADV
easat-6185	190	19	based	base	VERB
easat-6185	190	20	on	on	ADP
easat-6185	190	21	credit	credit	NOUN
easat-6185	190	22	ratings	rating	NOUN
easat-6185	190	23	,	,	PUNCT
easat-6185	190	24	potentially	potentially	ADV
easat-6185	190	25	leading	lead	VERB
easat-6185	190	26	to	to	ADP
easat-6185	190	27	higher	high	ADJ
easat-6185	190	28	levels	level	NOUN
easat-6185	190	29	of	of	ADP
easat-6185	190	30	persistent	persistent	ADJ
easat-6185	190	31	npls	npls	NOUN
easat-6185	190	32	.	.	PUNCT
easat-6185	191	1	at	at	ADP
easat-6185	191	2	the	the	DET
easat-6185	191	3	same	same	ADJ
easat-6185	191	4	time	time	NOUN
easat-6185	191	5	,	,	PUNCT
easat-6185	191	6	certain	certain	ADJ
easat-6185	191	7	industries	industry	NOUN
easat-6185	191	8	in	in	ADP
easat-6185	191	9	southeast	southeast	PROPN
easat-6185	191	10	asia	asia	PROPN
easat-6185	191	11	may	may	AUX
easat-6185	191	12	be	be	AUX
easat-6185	191	13	more	more	ADV
easat-6185	191	14	vulnerable	vulnerable	ADJ
easat-6185	191	15	to	to	ADP
easat-6185	191	16	economic	economic	ADJ
easat-6185	191	17	downturns	downturn	NOUN
easat-6185	191	18	,	,	PUNCT
easat-6185	191	19	contributing	contribute	VERB
easat-6185	191	20	to	to	ADP
easat-6185	191	21	cyclical	cyclical	ADJ
easat-6185	191	22	patterns	pattern	NOUN
easat-6185	191	23	in	in	ADP
easat-6185	191	24	npls	npls	NOUN
easat-6185	191	25	.	.	PUNCT
easat-6185	192	1	if	if	SCONJ
easat-6185	192	2	a	a	DET
easat-6185	192	3	bank	bank	NOUN
easat-6185	192	4	has	have	VERB
easat-6185	192	5	high	high	ADJ
easat-6185	192	6	exposure	exposure	NOUN
easat-6185	192	7	to	to	ADP
easat-6185	192	8	such	such	ADJ
easat-6185	192	9	sectors	sector	NOUN
easat-6185	192	10	,	,	PUNCT
easat-6185	192	11	past	past	ADJ
easat-6185	192	12	npls	npls	NOUN
easat-6185	192	13	may	may	AUX
easat-6185	192	14	be	be	AUX
easat-6185	192	15	a	a	DET
easat-6185	192	16	strong	strong	ADJ
easat-6185	192	17	predictor	predictor	NOUN
easat-6185	192	18	of	of	ADP
easat-6185	192	19	future	future	ADJ
easat-6185	192	20	npls	npls	NOUN
easat-6185	192	21	.	.	PUNCT
easat-6185	193	1	this	this	PRON
easat-6185	193	2	is	be	AUX
easat-6185	193	3	true	true	ADJ
easat-6185	193	4	both	both	PRON
easat-6185	193	5	pre	pre	ADJ
easat-6185	193	6	-	-	ADJ
easat-6185	193	7	covid	covid	ADJ
easat-6185	193	8	and	and	CCONJ
easat-6185	193	9	post	post	NOUN
easat-6185	193	10	-	-	NOUN
easat-6185	193	11	covid	covid	NOUN
easat-6185	193	12	.	.	PUNCT
easat-6185	194	1	the	the	DET
easat-6185	194	2	positive	positive	ADJ
easat-6185	194	3	impact	impact	NOUN
easat-6185	194	4	of	of	ADP
easat-6185	194	5	ind	ind	NOUN
easat-6185	194	6	on	on	ADP
easat-6185	194	7	bdr	bdr	PROPN
easat-6185	194	8	(	(	PUNCT
easat-6185	194	9	regression	regression	PROPN
easat-6185	194	10	coefficient	coefficient	NOUN
easat-6185	194	11	0.0276	0.0276	NUM
easat-6185	194	12	)	)	PUNCT
easat-6185	194	13	suggests	suggest	VERB
easat-6185	194	14	that	that	SCONJ
easat-6185	194	15	higher	high	ADJ
easat-6185	194	16	income	income	NOUN
easat-6185	194	17	diversification	diversification	NOUN
easat-6185	194	18	is	be	AUX
easat-6185	194	19	associated	associate	VERB
easat-6185	194	20	with	with	ADP
easat-6185	194	21	higher	high	ADJ
easat-6185	194	22	npls	npls	NOUN
easat-6185	194	23	.	.	PUNCT
easat-6185	195	1	this	this	DET
easat-6185	195	2	counterintuitive	counterintuitive	ADJ
easat-6185	195	3	finding	finding	NOUN
easat-6185	195	4	can	can	AUX
easat-6185	195	5	be	be	AUX
easat-6185	195	6	explained	explain	VERB
easat-6185	195	7	by	by	ADP
easat-6185	195	8	several	several	ADJ
easat-6185	195	9	specific	specific	ADJ
easat-6185	195	10	reasons	reason	NOUN
easat-6185	195	11	.	.	PUNCT
easat-6185	196	1	first	first	ADV
easat-6185	196	2	,	,	PUNCT
easat-6185	196	3	in	in	ADP
easat-6185	196	4	the	the	DET
easat-6185	196	5	pre	pre	ADJ
easat-6185	196	6	-	-	ADJ
easat-6185	196	7	covid	covid	ADJ
easat-6185	196	8	period	period	NOUN
easat-6185	196	9	(	(	PUNCT
easat-6185	196	10	2016	2016	NUM
easat-6185	196	11	-	-	SYM
easat-6185	196	12	2019	2019	NUM
easat-6185	196	13	)	)	PUNCT
easat-6185	196	14	,	,	PUNCT
easat-6185	196	15	banks	bank	NOUN
easat-6185	196	16	seeking	seek	VERB
easat-6185	196	17	to	to	PART
easat-6185	196	18	diversify	diversify	VERB
easat-6185	196	19	their	their	PRON
easat-6185	196	20	income	income	NOUN
easat-6185	196	21	streams	stream	NOUN
easat-6185	196	22	may	may	AUX
easat-6185	196	23	have	have	AUX
easat-6185	196	24	ventured	venture	VERB
easat-6185	196	25	into	into	ADP
easat-6185	196	26	newer	new	ADJ
easat-6185	196	27	,	,	PUNCT
easat-6185	196	28	potentially	potentially	ADV
easat-6185	196	29	riskier	risky	ADJ
easat-6185	196	30	lending	lending	NOUN
easat-6185	196	31	segments	segment	NOUN
easat-6185	196	32	or	or	CCONJ
easat-6185	196	33	non	non	ADJ
easat-6185	196	34	-	-	ADJ
easat-6185	196	35	traditional	traditional	ADJ
easat-6185	196	36	banking	banking	NOUN
easat-6185	196	37	activities	activity	NOUN
easat-6185	196	38	,	,	PUNCT
easat-6185	196	39	leading	lead	VERB
easat-6185	196	40	to	to	ADP
easat-6185	196	41	an	an	DET
easat-6185	196	42	increase	increase	NOUN
easat-6185	196	43	in	in	ADP
easat-6185	196	44	npls	npls	NOUN
easat-6185	196	45	.	.	PUNCT
easat-6185	197	1	the	the	DET
easat-6185	197	2	incentive	incentive	NOUN
easat-6185	197	3	to	to	PART
easat-6185	197	4	diversify	diversify	VERB
easat-6185	197	5	may	may	AUX
easat-6185	197	6	have	have	AUX
easat-6185	197	7	outweighed	outweigh	VERB
easat-6185	197	8	prudent	prudent	ADJ
easat-6185	197	9	risk	risk	NOUN
easat-6185	197	10	management	management	NOUN
easat-6185	197	11	in	in	ADP
easat-6185	197	12	some	some	DET
easat-6185	197	13	cases	case	NOUN
easat-6185	197	14	.	.	PUNCT
easat-6185	198	1	in	in	ADP
easat-6185	198	2	addition	addition	NOUN
easat-6185	198	3	,	,	PUNCT
easat-6185	198	4	in	in	ADP
easat-6185	198	5	a	a	DET
easat-6185	198	6	competitive	competitive	ADJ
easat-6185	198	7	banking	banking	NOUN
easat-6185	198	8	environment	environment	NOUN
easat-6185	198	9	,	,	PUNCT
easat-6185	198	10	the	the	DET
easat-6185	198	11	pressure	pressure	NOUN
easat-6185	198	12	to	to	PART
easat-6185	198	13	maintain	maintain	VERB
easat-6185	198	14	profitability	profitability	NOUN
easat-6185	198	15	may	may	AUX
easat-6185	198	16	have	have	AUX
easat-6185	198	17	pushed	push	VERB
easat-6185	198	18	banks	bank	NOUN
easat-6185	198	19	towards	towards	ADP
easat-6185	198	20	riskier	risky	ADJ
easat-6185	198	21	diversification	diversification	NOUN
easat-6185	198	22	strategies	strategy	NOUN
easat-6185	198	23	,	,	PUNCT
easat-6185	198	24	especially	especially	ADV
easat-6185	198	25	in	in	ADP
easat-6185	198	26	the	the	DET
easat-6185	198	27	precovid	precovid	ADJ
easat-6185	198	28	period	period	NOUN
easat-6185	198	29	when	when	SCONJ
easat-6185	198	30	economic	economic	ADJ
easat-6185	198	31	growth	growth	NOUN
easat-6185	198	32	in	in	ADP
easat-6185	198	33	southeast	southeast	PROPN
easat-6185	198	34	asia	asia	PROPN
easat-6185	198	35	was	be	AUX
easat-6185	198	36	relatively	relatively	ADV
easat-6185	198	37	robust	robust	ADJ
easat-6185	198	38	.	.	PUNCT
easat-6185	199	1	covid-19	covid-19	PROPN
easat-6185	199	2	has	have	AUX
easat-6185	199	3	also	also	ADV
easat-6185	199	4	exacerbated	exacerbate	VERB
easat-6185	199	5	the	the	DET
easat-6185	199	6	npl	npl	PROPN
easat-6185	199	7	problem	problem	NOUN
easat-6185	199	8	of	of	ADP
easat-6185	199	9	commercial	commercial	ADJ
easat-6185	199	10	banks	bank	NOUN
easat-6185	199	11	.	.	PUNCT
easat-6185	200	1	the	the	DET
easat-6185	200	2	positive	positive	ADJ
easat-6185	200	3	and	and	CCONJ
easat-6185	200	4	statistically	statistically	ADV
easat-6185	200	5	significant	significant	ADJ
easat-6185	200	6	coefficient	coefficient	NOUN
easat-6185	200	7	of	of	ADP
easat-6185	200	8	covid-19	covid-19	PROPN
easat-6185	200	9	(	(	PUNCT
easat-6185	200	10	0.0033	0.0033	NUM
easat-6185	200	11	)	)	PUNCT
easat-6185	200	12	suggests	suggest	VERB
easat-6185	200	13	that	that	SCONJ
easat-6185	200	14	the	the	DET
easat-6185	200	15	pandemic	pandemic	NOUN
easat-6185	200	16	has	have	AUX
easat-6185	200	17	significantly	significantly	ADV
easat-6185	200	18	increased	increase	VERB
easat-6185	200	19	the	the	DET
easat-6185	200	20	npl	npl	NOUN
easat-6185	200	21	ratio	ratio	NOUN
easat-6185	200	22	.	.	PUNCT
easat-6185	201	1	this	this	PRON
easat-6185	201	2	is	be	AUX
easat-6185	201	3	to	to	PART
easat-6185	201	4	be	be	AUX
easat-6185	201	5	expected	expect	VERB
easat-6185	201	6	,	,	PUNCT
easat-6185	201	7	as	as	SCONJ
easat-6185	201	8	covid-19	covid-19	PROPN
easat-6185	201	9	has	have	AUX
easat-6185	201	10	severely	severely	ADV
easat-6185	201	11	disrupted	disrupt	VERB
easat-6185	201	12	economic	economic	ADJ
easat-6185	201	13	activity	activity	NOUN
easat-6185	201	14	,	,	PUNCT
easat-6185	201	15	impacting	impact	VERB
easat-6185	201	16	the	the	DET
easat-6185	201	17	ability	ability	NOUN
easat-6185	201	18	of	of	ADP
easat-6185	201	19	businesses	business	NOUN
easat-6185	201	20	and	and	CCONJ
easat-6185	201	21	individuals	individual	NOUN
easat-6185	201	22	to	to	PART
easat-6185	201	23	repay	repay	VERB
easat-6185	201	24	their	their	PRON
easat-6185	201	25	debts	debt	NOUN
easat-6185	201	26	.	.	PUNCT
easat-6185	202	1	lockdowns	lockdown	NOUN
easat-6185	202	2	,	,	PUNCT
easat-6185	202	3	travel	travel	NOUN
easat-6185	202	4	restrictions	restriction	NOUN
easat-6185	202	5	,	,	PUNCT
easat-6185	202	6	and	and	CCONJ
easat-6185	202	7	supply	supply	NOUN
easat-6185	202	8	chain	chain	NOUN
easat-6185	202	9	disruptions	disruption	NOUN
easat-6185	202	10	have	have	AUX
easat-6185	202	11	led	lead	VERB
easat-6185	202	12	to	to	ADP
easat-6185	202	13	business	business	NOUN
easat-6185	202	14	closures	closure	NOUN
easat-6185	202	15	and	and	CCONJ
easat-6185	202	16	job	job	NOUN
easat-6185	202	17	losses	loss	NOUN
easat-6185	202	18	,	,	PUNCT
easat-6185	202	19	leading	lead	VERB
easat-6185	202	20	to	to	ADP
easat-6185	202	21	increased	increase	VERB
easat-6185	202	22	defaults	default	NOUN
easat-6185	202	23	across	across	ADP
easat-6185	202	24	various	various	ADJ
easat-6185	202	25	sectors	sector	NOUN
easat-6185	202	26	.	.	PUNCT
easat-6185	203	1	while	while	SCONJ
easat-6185	203	2	government	government	NOUN
easat-6185	203	3	-	-	PUNCT
easat-6185	203	4	imposed	impose	VERB
easat-6185	203	5	moratoriums	moratorium	NOUN
easat-6185	203	6	have	have	AUX
easat-6185	203	7	provided	provide	VERB
easat-6185	203	8	temporary	temporary	ADJ
easat-6185	203	9	relief	relief	NOUN
easat-6185	203	10	,	,	PUNCT
easat-6185	203	11	they	they	PRON
easat-6185	203	12	may	may	AUX
easat-6185	203	13	have	have	AUX
easat-6185	203	14	delayed	delay	VERB
easat-6185	203	15	the	the	DET
easat-6185	203	16	recognition	recognition	NOUN
easat-6185	203	17	of	of	ADP
easat-6185	203	18	npls	npls	NOUN
easat-6185	203	19	,	,	PUNCT
easat-6185	203	20	potentially	potentially	ADV
easat-6185	203	21	contributing	contribute	VERB
easat-6185	203	22	to	to	ADP
easat-6185	203	23	the	the	DET
easat-6185	203	24	increase	increase	NOUN
easat-6185	203	25	in	in	ADP
easat-6185	203	26	npls	npls	NOUN
easat-6185	203	27	that	that	PRON
easat-6185	203	28	emerged	emerge	VERB
easat-6185	203	29	later	later	ADV
easat-6185	203	30	in	in	ADP
easat-6185	203	31	the	the	DET
easat-6185	203	32	period	period	NOUN
easat-6185	203	33	.	.	PUNCT
easat-6185	204	1	the	the	DET
easat-6185	204	2	full	full	ADJ
easat-6185	204	3	impact	impact	NOUN
easat-6185	204	4	of	of	ADP
easat-6185	204	5	the	the	DET
easat-6185	204	6	pandemic	pandemic	NOUN
easat-6185	204	7	may	may	AUX
easat-6185	204	8	yet	yet	ADV
easat-6185	204	9	be	be	AUX
easat-6185	204	10	fully	fully	ADV
easat-6185	204	11	reflected	reflect	VERB
easat-6185	204	12	in	in	ADP
easat-6185	204	13	the	the	DET
easat-6185	204	14	data	datum	NOUN
easat-6185	204	15	.	.	PUNCT
easat-6185	205	1	while	while	SCONJ
easat-6185	205	2	bdr_lag1	bdr_lag1	NOUN
easat-6185	205	3	,	,	PUNCT
easat-6185	205	4	ind	ind	NOUN
easat-6185	205	5	,	,	PUNCT
easat-6185	205	6	and	and	CCONJ
easat-6185	205	7	cov19	cov19	PROPN
easat-6185	205	8	exacerbated	exacerbate	VERB
easat-6185	205	9	npls	npls	NOUN
easat-6185	205	10	in	in	ADP
easat-6185	205	11	commercial	commercial	ADJ
easat-6185	205	12	banks	bank	NOUN
easat-6185	205	13	,	,	PUNCT
easat-6185	205	14	car	car	NOUN
easat-6185	205	15	had	have	VERB
easat-6185	205	16	a	a	DET
easat-6185	205	17	moderating	moderate	VERB
easat-6185	205	18	effect	effect	NOUN
easat-6185	205	19	on	on	ADP
easat-6185	205	20	npls	npls	NOUN
easat-6185	205	21	.	.	PUNCT
easat-6185	206	1	the	the	DET
easat-6185	206	2	regression	regression	NOUN
easat-6185	206	3	coefficient	coefficient	NOUN
easat-6185	206	4	of	of	ADP
easat-6185	206	5	car	car	NOUN
easat-6185	206	6	is	be	AUX
easat-6185	206	7	negative	negative	ADJ
easat-6185	206	8	and	and	CCONJ
easat-6185	206	9	statistically	statistically	ADV
easat-6185	206	10	significant	significant	ADJ
easat-6185	206	11	(	(	PUNCT
easat-6185	206	12	-0.0013	-0.0013	NUM
easat-6185	206	13	)	)	PUNCT
easat-6185	206	14	,	,	PUNCT
easat-6185	206	15	suggesting	suggest	VERB
easat-6185	206	16	that	that	SCONJ
easat-6185	206	17	banks	bank	NOUN
easat-6185	206	18	with	with	ADP
easat-6185	206	19	higher	high	ADJ
easat-6185	206	20	capital	capital	NOUN
easat-6185	206	21	adequacy	adequacy	NOUN
easat-6185	206	22	ratios	ratio	NOUN
easat-6185	206	23	tend	tend	VERB
easat-6185	206	24	to	to	PART
easat-6185	206	25	have	have	VERB
easat-6185	206	26	lower	low	ADJ
easat-6185	206	27	npls	npls	NOUN
easat-6185	206	28	.	.	PUNCT
easat-6185	207	1	this	this	PRON
easat-6185	207	2	is	be	AUX
easat-6185	207	3	consistent	consistent	ADJ
easat-6185	207	4	with	with	ADP
easat-6185	207	5	the	the	DET
easat-6185	207	6	expectation	expectation	NOUN
easat-6185	207	7	that	that	PRON
easat-6185	207	8	well	well	ADV
easat-6185	207	9	-	-	PUNCT
easat-6185	207	10	capitalized	capitalize	VERB
easat-6185	207	11	banks	bank	NOUN
easat-6185	207	12	are	be	AUX
easat-6185	207	13	better	well	ADV
easat-6185	207	14	equipped	equip	VERB
easat-6185	207	15	to	to	PART
easat-6185	207	16	absorb	absorb	VERB
easat-6185	207	17	npl	npl	NOUN
easat-6185	207	18	losses	loss	NOUN
easat-6185	207	19	and	and	CCONJ
easat-6185	207	20	are	be	AUX
easat-6185	207	21	more	more	ADV
easat-6185	207	22	likely	likely	ADJ
easat-6185	207	23	to	to	PART
easat-6185	207	24	adopt	adopt	VERB
easat-6185	207	25	robust	robust	ADJ
easat-6185	207	26	risk	risk	NOUN
easat-6185	207	27	management	management	NOUN
easat-6185	207	28	measures	measure	NOUN
easat-6185	207	29	.	.	PUNCT
easat-6185	208	1	this	this	DET
easat-6185	208	2	finding	finding	NOUN
easat-6185	208	3	may	may	AUX
easat-6185	208	4	be	be	AUX
easat-6185	208	5	due	due	ADJ
easat-6185	208	6	to	to	ADP
easat-6185	208	7	the	the	DET
easat-6185	208	8	fact	fact	NOUN
easat-6185	208	9	that	that	SCONJ
easat-6185	208	10	banks	bank	NOUN
easat-6185	208	11	with	with	ADP
easat-6185	208	12	higher	high	ADJ
easat-6185	208	13	cars	car	NOUN
easat-6185	208	14	are	be	AUX
easat-6185	208	15	generally	generally	ADV
easat-6185	208	16	more	more	ADV
easat-6185	208	17	cautious	cautious	ADJ
easat-6185	208	18	in	in	ADP
easat-6185	208	19	their	their	PRON
easat-6185	208	20	lending	lending	NOUN
easat-6185	208	21	practices	practice	NOUN
easat-6185	208	22	,	,	PUNCT
easat-6185	208	23	adhere	adhere	VERB
easat-6185	208	24	to	to	ADP
easat-6185	208	25	stricter	strict	ADJ
easat-6185	208	26	creditworthiness	creditworthiness	PROPN
easat-6185	208	27	criteria	criterion	NOUN
easat-6185	208	28	,	,	PUNCT
easat-6185	208	29	and	and	CCONJ
easat-6185	208	30	are	be	AUX
easat-6185	208	31	able	able	ADJ
easat-6185	208	32	to	to	PART
easat-6185	208	33	mitigate	mitigate	VERB
easat-6185	208	34	npl	npl	NOUN
easat-6185	208	35	risk	risk	NOUN
easat-6185	208	36	.	.	PUNCT
easat-6185	209	1	furthermore	furthermore	ADV
easat-6185	209	2	,	,	PUNCT
easat-6185	209	3	higher	high	ADJ
easat-6185	209	4	cars	car	NOUN
easat-6185	209	5	provide	provide	VERB
easat-6185	209	6	a	a	DET
easat-6185	209	7	buffer	buffer	NOUN
easat-6185	209	8	against	against	ADP
easat-6185	209	9	economic	economic	ADJ
easat-6185	209	10	shocks	shock	NOUN
easat-6185	209	11	and	and	CCONJ
easat-6185	209	12	financial	financial	ADJ
easat-6185	209	13	instability	instability	NOUN
easat-6185	209	14	,	,	PUNCT
easat-6185	209	15	allowing	allow	VERB
easat-6185	209	16	banks	bank	NOUN
easat-6185	209	17	to	to	PART
easat-6185	209	18	better	well	ADV
easat-6185	209	19	withstand	withstand	VERB
easat-6185	209	20	periods	period	NOUN
easat-6185	209	21	of	of	ADP
easat-6185	209	22	stress	stress	NOUN
easat-6185	209	23	such	such	ADJ
easat-6185	209	24	as	as	ADP
easat-6185	209	25	1127	1127	NUM
easat-6185	209	26	edelweiss	edelweiss	PROPN
easat-6185	209	27	applied	apply	VERB
easat-6185	209	28	science	science	NOUN
easat-6185	209	29	and	and	CCONJ
easat-6185	209	30	technology	technology	NOUN
easat-6185	209	31	issn	issn	PROPN
easat-6185	209	32	:	:	PUNCT
easat-6185	209	33	2576	2576	NUM
easat-6185	209	34	-	-	SYM
easat-6185	209	35	8484	8484	NUM
easat-6185	209	36	vol	vol	NOUN
easat-6185	209	37	.	.	PROPN
easat-6185	209	38	9	9	NUM
easat-6185	209	39	,	,	PUNCT
easat-6185	209	40	no	no	INTJ
easat-6185	209	41	.	.	NOUN
easat-6185	209	42	4	4	NUM
easat-6185	209	43	:	:	SYM
easat-6185	209	44	1120	1120	NUM
easat-6185	209	45	-	-	SYM
easat-6185	209	46	1130	1130	NUM
easat-6185	209	47	,	,	PUNCT
easat-6185	209	48	2025	2025	NUM
easat-6185	209	49	doi	doi	NOUN
easat-6185	209	50	:	:	PUNCT
easat-6185	209	51	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	209	52	©	©	PROPN
easat-6185	209	53	2025	2025	NUM
easat-6185	209	54	by	by	ADP
easat-6185	209	55	the	the	DET
easat-6185	209	56	authors	author	NOUN
easat-6185	209	57	;	;	PUNCT
easat-6185	209	58	licensee	licensee	PROPN
easat-6185	209	59	learning	learning	NOUN
easat-6185	209	60	gate	gate	VERB
easat-6185	209	61	the	the	DET
easat-6185	209	62	covid-19	covid-19	PROPN
easat-6185	209	63	pandemic	pandemic	NOUN
easat-6185	209	64	and	and	CCONJ
easat-6185	209	65	maintain	maintain	VERB
easat-6185	209	66	lower	low	ADJ
easat-6185	209	67	npl	npl	NOUN
easat-6185	209	68	ratios	ratio	NOUN
easat-6185	209	69	,	,	PUNCT
easat-6185	209	70	which	which	PRON
easat-6185	209	71	would	would	AUX
easat-6185	209	72	be	be	AUX
easat-6185	209	73	a	a	DET
easat-6185	209	74	stabilizing	stabilize	VERB
easat-6185	209	75	factor	factor	NOUN
easat-6185	209	76	in	in	ADP
easat-6185	209	77	both	both	CCONJ
easat-6185	209	78	the	the	DET
easat-6185	209	79	preand	preand	NOUN
easat-6185	209	80	post	post	ADJ
easat-6185	209	81	-	-	ADJ
easat-6185	209	82	covid	covid	ADJ
easat-6185	209	83	periods	period	NOUN
easat-6185	209	84	.	.	PUNCT
easat-6185	210	1	the	the	DET
easat-6185	210	2	findings	finding	NOUN
easat-6185	210	3	highlight	highlight	VERB
easat-6185	210	4	the	the	DET
easat-6185	210	5	complex	complex	ADJ
easat-6185	210	6	interplay	interplay	NOUN
easat-6185	210	7	of	of	ADP
easat-6185	210	8	factors	factor	NOUN
easat-6185	210	9	influencing	influence	VERB
easat-6185	210	10	npls	npls	NOUN
easat-6185	210	11	in	in	ADP
easat-6185	210	12	southeast	southeast	ADJ
easat-6185	210	13	asian	asian	ADJ
easat-6185	210	14	banks	bank	NOUN
easat-6185	210	15	.	.	PUNCT
easat-6185	211	1	the	the	DET
easat-6185	211	2	persistence	persistence	NOUN
easat-6185	211	3	of	of	ADP
easat-6185	211	4	npls	npls	NOUN
easat-6185	211	5	,	,	PUNCT
easat-6185	211	6	the	the	DET
easat-6185	211	7	potential	potential	ADJ
easat-6185	211	8	downsides	downside	NOUN
easat-6185	211	9	of	of	ADP
easat-6185	211	10	rapid	rapid	ADJ
easat-6185	211	11	income	income	NOUN
easat-6185	211	12	diversification	diversification	NOUN
easat-6185	211	13	,	,	PUNCT
easat-6185	211	14	the	the	DET
easat-6185	211	15	significant	significant	ADJ
easat-6185	211	16	impact	impact	NOUN
easat-6185	211	17	of	of	ADP
easat-6185	211	18	the	the	DET
easat-6185	211	19	covid-19	covid-19	PROPN
easat-6185	211	20	pandemic	pandemic	NOUN
easat-6185	211	21	,	,	PUNCT
easat-6185	211	22	and	and	CCONJ
easat-6185	211	23	the	the	DET
easat-6185	211	24	protective	protective	ADJ
easat-6185	211	25	role	role	NOUN
easat-6185	211	26	of	of	ADP
easat-6185	211	27	capital	capital	NOUN
easat-6185	211	28	adequacy	adequacy	NOUN
easat-6185	211	29	are	be	AUX
easat-6185	211	30	all	all	ADV
easat-6185	211	31	important	important	ADJ
easat-6185	211	32	considerations	consideration	NOUN
easat-6185	211	33	for	for	ADP
easat-6185	211	34	policymakers	policymaker	NOUN
easat-6185	211	35	and	and	CCONJ
easat-6185	211	36	bank	bank	NOUN
easat-6185	211	37	regulators	regulator	NOUN
easat-6185	211	38	in	in	ADP
easat-6185	211	39	the	the	DET
easat-6185	211	40	region	region	NOUN
easat-6185	211	41	.	.	PUNCT
easat-6185	212	1	further	further	ADJ
easat-6185	212	2	research	research	NOUN
easat-6185	212	3	could	could	AUX
easat-6185	212	4	investigate	investigate	VERB
easat-6185	212	5	the	the	DET
easat-6185	212	6	specific	specific	ADJ
easat-6185	212	7	types	type	NOUN
easat-6185	212	8	of	of	ADP
easat-6185	212	9	income	income	NOUN
easat-6185	212	10	diversification	diversification	NOUN
easat-6185	212	11	strategies	strategy	NOUN
easat-6185	212	12	used	use	VERB
easat-6185	212	13	by	by	ADP
easat-6185	212	14	banks	bank	NOUN
easat-6185	212	15	and	and	CCONJ
easat-6185	212	16	their	their	PRON
easat-6185	212	17	differential	differential	ADJ
easat-6185	212	18	impact	impact	NOUN
easat-6185	212	19	on	on	ADP
easat-6185	212	20	npls	npls	NOUN
easat-6185	212	21	to	to	PART
easat-6185	212	22	gain	gain	VERB
easat-6185	212	23	a	a	DET
easat-6185	212	24	deeper	deep	ADJ
easat-6185	212	25	understanding	understanding	NOUN
easat-6185	212	26	of	of	ADP
easat-6185	212	27	this	this	DET
easat-6185	212	28	relationship	relationship	NOUN
easat-6185	212	29	.	.	PUNCT
easat-6185	213	1	additionally	additionally	ADV
easat-6185	213	2	,	,	PUNCT
easat-6185	213	3	an	an	DET
easat-6185	213	4	analysis	analysis	NOUN
easat-6185	213	5	of	of	ADP
easat-6185	213	6	the	the	DET
easat-6185	213	7	impact	impact	NOUN
easat-6185	213	8	of	of	ADP
easat-6185	213	9	specific	specific	ADJ
easat-6185	213	10	government	government	NOUN
easat-6185	213	11	policies	policy	NOUN
easat-6185	213	12	and	and	CCONJ
easat-6185	213	13	regulatory	regulatory	ADJ
easat-6185	213	14	responses	response	NOUN
easat-6185	213	15	to	to	ADP
easat-6185	213	16	the	the	DET
easat-6185	213	17	pandemic	pandemic	NOUN
easat-6185	213	18	on	on	ADP
easat-6185	213	19	npls	npls	NOUN
easat-6185	213	20	would	would	AUX
easat-6185	213	21	provide	provide	VERB
easat-6185	213	22	valuable	valuable	ADJ
easat-6185	213	23	insights	insight	NOUN
easat-6185	213	24	.	.	PUNCT
easat-6185	214	1	5	5	X
easat-6185	214	2	.	.	X
easat-6185	214	3	discussion	discussion	NOUN
easat-6185	214	4	this	this	DET
easat-6185	214	5	study	study	NOUN
easat-6185	214	6	examined	examine	VERB
easat-6185	214	7	the	the	DET
easat-6185	214	8	determinants	determinant	NOUN
easat-6185	214	9	of	of	ADP
easat-6185	214	10	npl	npl	NOUN
easat-6185	214	11	ratios	ratio	NOUN
easat-6185	214	12	in	in	ADP
easat-6185	214	13	listed	list	VERB
easat-6185	214	14	joint	joint	ADJ
easat-6185	214	15	-	-	PUNCT
easat-6185	214	16	stock	stock	NOUN
easat-6185	214	17	commercial	commercial	ADJ
easat-6185	214	18	banks	bank	NOUN
easat-6185	214	19	in	in	ADP
easat-6185	214	20	southeast	southeast	PROPN
easat-6185	214	21	asia	asia	PROPN
easat-6185	214	22	,	,	PUNCT
easat-6185	214	23	focusing	focus	VERB
easat-6185	214	24	on	on	ADP
easat-6185	214	25	the	the	DET
easat-6185	214	26	role	role	NOUN
easat-6185	214	27	of	of	ADP
easat-6185	214	28	income	income	NOUN
easat-6185	214	29	diversification	diversification	NOUN
easat-6185	214	30	and	and	CCONJ
easat-6185	214	31	other	other	ADJ
easat-6185	214	32	key	key	ADJ
easat-6185	214	33	financial	financial	ADJ
easat-6185	214	34	indicators	indicator	NOUN
easat-6185	214	35	.	.	PUNCT
easat-6185	215	1	the	the	DET
easat-6185	215	2	findings	finding	NOUN
easat-6185	215	3	offer	offer	VERB
easat-6185	215	4	valuable	valuable	ADJ
easat-6185	215	5	insights	insight	NOUN
easat-6185	215	6	into	into	ADP
easat-6185	215	7	the	the	DET
easat-6185	215	8	specific	specific	ADJ
easat-6185	215	9	context	context	NOUN
easat-6185	215	10	of	of	ADP
easat-6185	215	11	southeast	southeast	ADJ
easat-6185	215	12	asian	asian	ADJ
easat-6185	215	13	banking	banking	NOUN
easat-6185	215	14	,	,	PUNCT
easat-6185	215	15	providing	provide	VERB
easat-6185	215	16	both	both	CCONJ
easat-6185	215	17	corroborating	corroborate	VERB
easat-6185	215	18	and	and	CCONJ
easat-6185	215	19	contrasting	contrast	VERB
easat-6185	215	20	evidence	evidence	NOUN
easat-6185	215	21	to	to	ADP
easat-6185	215	22	existing	exist	VERB
easat-6185	215	23	literature	literature	NOUN
easat-6185	215	24	.	.	PUNCT
easat-6185	216	1	our	our	PRON
easat-6185	216	2	results	result	NOUN
easat-6185	216	3	reveal	reveal	VERB
easat-6185	216	4	a	a	DET
easat-6185	216	5	positive	positive	ADJ
easat-6185	216	6	and	and	CCONJ
easat-6185	216	7	statistically	statistically	ADV
easat-6185	216	8	significant	significant	ADJ
easat-6185	216	9	relationship	relationship	NOUN
easat-6185	216	10	between	between	ADP
easat-6185	216	11	income	income	NOUN
easat-6185	216	12	diversification	diversification	NOUN
easat-6185	216	13	(	(	PUNCT
easat-6185	216	14	ind	ind	NOUN
easat-6185	216	15	)	)	PUNCT
easat-6185	216	16	and	and	CCONJ
easat-6185	216	17	npl	npl	PROPN
easat-6185	216	18	ratios	ratio	NOUN
easat-6185	216	19	,	,	PUNCT
easat-6185	216	20	contradicting	contradict	VERB
easat-6185	216	21	some	some	DET
easat-6185	216	22	studies	study	NOUN
easat-6185	216	23	suggesting	suggest	VERB
easat-6185	216	24	a	a	DET
easat-6185	216	25	negative	negative	ADJ
easat-6185	216	26	or	or	CCONJ
easat-6185	216	27	insignificant	insignificant	ADJ
easat-6185	216	28	relationship	relationship	NOUN
easat-6185	216	29	[	[	X
easat-6185	216	30	5	5	NUM
easat-6185	216	31	,	,	PUNCT
easat-6185	216	32	8	8	NUM
easat-6185	216	33	]	]	PUNCT
easat-6185	216	34	.	.	PUNCT
easat-6185	217	1	this	this	DET
easat-6185	217	2	finding	finding	NOUN
easat-6185	217	3	aligns	align	VERB
easat-6185	217	4	more	more	ADV
easat-6185	217	5	closely	closely	ADV
easat-6185	217	6	with	with	ADP
easat-6185	217	7	research	research	NOUN
easat-6185	217	8	highlighting	highlight	VERB
easat-6185	217	9	the	the	DET
easat-6185	217	10	potential	potential	ADJ
easat-6185	217	11	risks	risk	NOUN
easat-6185	217	12	associated	associate	VERB
easat-6185	217	13	with	with	ADP
easat-6185	217	14	aggressive	aggressive	ADJ
easat-6185	217	15	diversification	diversification	NOUN
easat-6185	217	16	into	into	ADP
easat-6185	217	17	non	non	ADJ
easat-6185	217	18	-	-	ADJ
easat-6185	217	19	traditional	traditional	ADJ
easat-6185	217	20	activities	activity	NOUN
easat-6185	217	21	[	[	X
easat-6185	217	22	11	11	NUM
easat-6185	217	23	]	]	PUNCT
easat-6185	217	24	.	.	PUNCT
easat-6185	218	1	in	in	ADP
easat-6185	218	2	the	the	DET
easat-6185	218	3	context	context	NOUN
easat-6185	218	4	of	of	ADP
easat-6185	218	5	southeast	southeast	PROPN
easat-6185	218	6	asia	asia	PROPN
easat-6185	218	7	,	,	PUNCT
easat-6185	218	8	this	this	DET
easat-6185	218	9	positive	positive	ADJ
easat-6185	218	10	relationship	relationship	NOUN
easat-6185	218	11	may	may	AUX
easat-6185	218	12	be	be	AUX
easat-6185	218	13	attributed	attribute	VERB
easat-6185	218	14	to	to	ADP
easat-6185	218	15	several	several	ADJ
easat-6185	218	16	factors	factor	NOUN
easat-6185	218	17	.	.	PUNCT
easat-6185	219	1	firstly	firstly	ADV
easat-6185	219	2	,	,	PUNCT
easat-6185	219	3	rapid	rapid	ADJ
easat-6185	219	4	economic	economic	ADJ
easat-6185	219	5	growth	growth	NOUN
easat-6185	219	6	in	in	ADP
easat-6185	219	7	the	the	DET
easat-6185	219	8	precovid	precovid	ADJ
easat-6185	219	9	era	era	NOUN
easat-6185	219	10	might	might	AUX
easat-6185	219	11	have	have	AUX
easat-6185	219	12	incentivized	incentivize	VERB
easat-6185	219	13	banks	bank	NOUN
easat-6185	219	14	to	to	PART
easat-6185	219	15	pursue	pursue	VERB
easat-6185	219	16	aggressive	aggressive	ADJ
easat-6185	219	17	diversification	diversification	NOUN
easat-6185	219	18	strategies	strategy	NOUN
easat-6185	219	19	into	into	ADP
easat-6185	219	20	potentially	potentially	ADV
easat-6185	219	21	riskier	risky	ADJ
easat-6185	219	22	segments	segment	NOUN
easat-6185	219	23	,	,	PUNCT
easat-6185	219	24	overlooking	overlook	VERB
easat-6185	219	25	prudent	prudent	ADJ
easat-6185	219	26	risk	risk	NOUN
easat-6185	219	27	management	management	NOUN
easat-6185	219	28	practices	practice	NOUN
easat-6185	219	29	.	.	PUNCT
easat-6185	220	1	secondly	secondly	ADV
easat-6185	220	2	,	,	PUNCT
easat-6185	220	3	weaker	weak	ADJ
easat-6185	220	4	institutional	institutional	ADJ
easat-6185	220	5	frameworks	framework	NOUN
easat-6185	220	6	and	and	CCONJ
easat-6185	220	7	regulatory	regulatory	ADJ
easat-6185	220	8	oversight	oversight	NOUN
easat-6185	220	9	in	in	ADP
easat-6185	220	10	some	some	DET
easat-6185	220	11	southeast	southeast	ADJ
easat-6185	220	12	asian	asian	ADJ
easat-6185	220	13	countries	country	NOUN
easat-6185	220	14	could	could	AUX
easat-6185	220	15	exacerbate	exacerbate	VERB
easat-6185	220	16	the	the	DET
easat-6185	220	17	risks	risk	NOUN
easat-6185	220	18	associated	associate	VERB
easat-6185	220	19	with	with	ADP
easat-6185	220	20	diversification	diversification	NOUN
easat-6185	220	21	into	into	ADP
easat-6185	220	22	less	less	ADV
easat-6185	220	23	familiar	familiar	ADJ
easat-6185	220	24	business	business	NOUN
easat-6185	220	25	lines	line	NOUN
easat-6185	220	26	,	,	PUNCT
easat-6185	220	27	echoing	echo	VERB
easat-6185	220	28	the	the	DET
easat-6185	220	29	concerns	concern	NOUN
easat-6185	220	30	raised	raise	VERB
easat-6185	220	31	by	by	ADP
easat-6185	220	32	[	[	X
easat-6185	220	33	12	12	NUM
easat-6185	220	34	]	]	PUNCT
easat-6185	220	35	regarding	regard	VERB
easat-6185	220	36	operational	operational	ADJ
easat-6185	220	37	risk	risk	NOUN
easat-6185	220	38	and	and	CCONJ
easat-6185	220	39	informational	informational	ADJ
easat-6185	220	40	asymmetry	asymmetry	NOUN
easat-6185	220	41	.	.	PUNCT
easat-6185	221	1	the	the	DET
easat-6185	221	2	pressure	pressure	NOUN
easat-6185	221	3	to	to	PART
easat-6185	221	4	maintain	maintain	VERB
easat-6185	221	5	profitability	profitability	NOUN
easat-6185	221	6	in	in	ADP
easat-6185	221	7	a	a	DET
easat-6185	221	8	competitive	competitive	ADJ
easat-6185	221	9	environment	environment	NOUN
easat-6185	221	10	,	,	PUNCT
easat-6185	221	11	coupled	couple	VERB
easat-6185	221	12	with	with	ADP
easat-6185	221	13	less	less	ADV
easat-6185	221	14	stringent	stringent	ADJ
easat-6185	221	15	regulatory	regulatory	ADJ
easat-6185	221	16	environments	environment	NOUN
easat-6185	221	17	compared	compare	VERB
easat-6185	221	18	to	to	ADP
easat-6185	221	19	developed	develop	VERB
easat-6185	221	20	economies	economy	NOUN
easat-6185	221	21	,	,	PUNCT
easat-6185	221	22	could	could	AUX
easat-6185	221	23	further	far	ADV
easat-6185	221	24	explain	explain	VERB
easat-6185	221	25	this	this	DET
easat-6185	221	26	trend	trend	NOUN
easat-6185	221	27	.	.	PUNCT
easat-6185	222	1	while	while	SCONJ
easat-6185	222	2	income	income	NOUN
easat-6185	222	3	diversification	diversification	NOUN
easat-6185	222	4	,	,	PUNCT
easat-6185	222	5	measured	measure	VERB
easat-6185	222	6	by	by	ADP
easat-6185	222	7	the	the	DET
easat-6185	222	8	herfindahl	herfindahl	NOUN
easat-6185	222	9	-	-	PUNCT
easat-6185	222	10	hirschman	hirschman	NOUN
easat-6185	222	11	index	index	NOUN
easat-6185	222	12	(	(	PUNCT
easat-6185	222	13	hhi	hhi	NOUN
easat-6185	222	14	)	)	PUNCT
easat-6185	222	15	,	,	PUNCT
easat-6185	222	16	showed	show	VERB
easat-6185	222	17	a	a	DET
easat-6185	222	18	positive	positive	ADJ
easat-6185	222	19	impact	impact	NOUN
easat-6185	222	20	on	on	ADP
easat-6185	222	21	npls	npls	NOUN
easat-6185	222	22	,	,	PUNCT
easat-6185	222	23	the	the	DET
easat-6185	222	24	non	non	ADJ
easat-6185	222	25	-	-	ADJ
easat-6185	222	26	interest	interest	ADJ
easat-6185	222	27	income	income	NOUN
easat-6185	222	28	ratio	ratio	NOUN
easat-6185	222	29	(	(	PUNCT
easat-6185	222	30	nir	nir	NOUN
easat-6185	222	31	)	)	PUNCT
easat-6185	222	32	did	do	AUX
easat-6185	222	33	not	not	PART
easat-6185	222	34	exhibit	exhibit	VERB
easat-6185	222	35	a	a	DET
easat-6185	222	36	statistically	statistically	ADV
easat-6185	222	37	significant	significant	ADJ
easat-6185	222	38	relationship	relationship	NOUN
easat-6185	222	39	with	with	ADP
easat-6185	222	40	npls	npls	NOUN
easat-6185	222	41	.	.	PUNCT
easat-6185	223	1	this	this	DET
easat-6185	223	2	nuanced	nuanced	ADJ
easat-6185	223	3	finding	finding	NOUN
easat-6185	223	4	suggests	suggest	VERB
easat-6185	223	5	that	that	SCONJ
easat-6185	223	6	the	the	DET
easat-6185	223	7	specific	specific	ADJ
easat-6185	223	8	composition	composition	NOUN
easat-6185	223	9	of	of	ADP
easat-6185	223	10	non	non	ADJ
easat-6185	223	11	-	-	ADJ
easat-6185	223	12	interest	interest	ADJ
easat-6185	223	13	income	income	NOUN
easat-6185	223	14	,	,	PUNCT
easat-6185	223	15	rather	rather	ADV
easat-6185	223	16	than	than	ADP
easat-6185	223	17	its	its	PRON
easat-6185	223	18	overall	overall	ADJ
easat-6185	223	19	magnitude	magnitude	NOUN
easat-6185	223	20	,	,	PUNCT
easat-6185	223	21	might	might	AUX
easat-6185	223	22	be	be	AUX
easat-6185	223	23	crucial	crucial	ADJ
easat-6185	223	24	in	in	ADP
easat-6185	223	25	determining	determine	VERB
easat-6185	223	26	its	its	PRON
easat-6185	223	27	impact	impact	NOUN
easat-6185	223	28	on	on	ADP
easat-6185	223	29	credit	credit	NOUN
easat-6185	223	30	risk	risk	NOUN
easat-6185	223	31	.	.	PUNCT
easat-6185	224	1	future	future	ADJ
easat-6185	224	2	research	research	NOUN
easat-6185	224	3	should	should	AUX
easat-6185	224	4	delve	delve	VERB
easat-6185	224	5	deeper	deeply	ADV
easat-6185	224	6	into	into	ADP
easat-6185	224	7	disaggregating	disaggregate	VERB
easat-6185	224	8	non	non	ADJ
easat-6185	224	9	-	-	ADJ
easat-6185	224	10	interest	interest	ADJ
easat-6185	224	11	income	income	NOUN
easat-6185	224	12	sources	source	NOUN
easat-6185	224	13	to	to	PART
easat-6185	224	14	examine	examine	VERB
easat-6185	224	15	their	their	PRON
easat-6185	224	16	individual	individual	ADJ
easat-6185	224	17	contributions	contribution	NOUN
easat-6185	224	18	to	to	ADP
easat-6185	224	19	npls	npls	NOUN
easat-6185	224	20	.	.	PUNCT
easat-6185	225	1	this	this	DET
easat-6185	225	2	result	result	NOUN
easat-6185	225	3	contrasts	contrast	VERB
easat-6185	225	4	with	with	ADP
easat-6185	225	5	some	some	DET
easat-6185	225	6	prior	prior	ADJ
easat-6185	225	7	studies	study	NOUN
easat-6185	225	8	(	(	PUNCT
easat-6185	225	9	e.g.	e.g.	ADV
easat-6185	225	10	,	,	PUNCT
easat-6185	225	11	stiroh	stiroh	VERB
easat-6185	225	12	[	[	X
easat-6185	225	13	4	4	NUM
easat-6185	225	14	]	]	PUNCT
easat-6185	225	15	)	)	PUNCT
easat-6185	225	16	that	that	PRON
easat-6185	225	17	emphasize	emphasize	VERB
easat-6185	225	18	the	the	DET
easat-6185	225	19	potential	potential	ADJ
easat-6185	225	20	volatility	volatility	NOUN
easat-6185	225	21	of	of	ADP
easat-6185	225	22	non	non	ADJ
easat-6185	225	23	-	-	ADJ
easat-6185	225	24	interest	interest	ADJ
easat-6185	225	25	income	income	NOUN
easat-6185	225	26	and	and	CCONJ
easat-6185	225	27	its	its	PRON
easat-6185	225	28	impact	impact	NOUN
easat-6185	225	29	on	on	ADP
easat-6185	225	30	bank	bank	NOUN
easat-6185	225	31	stability	stability	NOUN
easat-6185	225	32	.	.	PUNCT
easat-6185	226	1	this	this	DET
easat-6185	226	2	difference	difference	NOUN
easat-6185	226	3	may	may	AUX
easat-6185	226	4	reflect	reflect	VERB
easat-6185	226	5	the	the	DET
easat-6185	226	6	relatively	relatively	ADV
easat-6185	226	7	lower	low	ADJ
easat-6185	226	8	reliance	reliance	NOUN
easat-6185	226	9	on	on	ADP
easat-6185	226	10	complex	complex	ADJ
easat-6185	226	11	and	and	CCONJ
easat-6185	226	12	potentially	potentially	ADV
easat-6185	226	13	volatile	volatile	ADJ
easat-6185	226	14	trading	trading	NOUN
easat-6185	226	15	activities	activity	NOUN
easat-6185	226	16	in	in	ADP
easat-6185	226	17	southeast	southeast	ADJ
easat-6185	226	18	asian	asian	ADJ
easat-6185	226	19	banks	bank	NOUN
easat-6185	226	20	compared	compare	VERB
easat-6185	226	21	to	to	ADP
easat-6185	226	22	their	their	PRON
easat-6185	226	23	counterparts	counterpart	NOUN
easat-6185	226	24	in	in	ADP
easat-6185	226	25	more	more	ADV
easat-6185	226	26	developed	developed	ADJ
easat-6185	226	27	financial	financial	ADJ
easat-6185	226	28	markets	market	NOUN
easat-6185	226	29	.	.	PUNCT
easat-6185	227	1	the	the	DET
easat-6185	227	2	study	study	NOUN
easat-6185	227	3	confirms	confirm	VERB
easat-6185	227	4	the	the	DET
easat-6185	227	5	critical	critical	ADJ
easat-6185	227	6	role	role	NOUN
easat-6185	227	7	of	of	ADP
easat-6185	227	8	traditional	traditional	ADJ
easat-6185	227	9	banking	banking	NOUN
easat-6185	227	10	indicators	indicator	NOUN
easat-6185	227	11	in	in	ADP
easat-6185	227	12	influencing	influence	VERB
easat-6185	227	13	npls	npls	NOUN
easat-6185	227	14	.	.	PUNCT
easat-6185	228	1	the	the	DET
easat-6185	228	2	positive	positive	ADJ
easat-6185	228	3	and	and	CCONJ
easat-6185	228	4	significant	significant	ADJ
easat-6185	228	5	impact	impact	NOUN
easat-6185	228	6	of	of	ADP
easat-6185	228	7	lagged	lag	VERB
easat-6185	228	8	npls	npls	NOUN
easat-6185	228	9	(	(	PUNCT
easat-6185	228	10	bdr_lag1	bdr_lag1	NOUN
easat-6185	228	11	)	)	PUNCT
easat-6185	228	12	underscores	underscore	VERB
easat-6185	228	13	the	the	DET
easat-6185	228	14	persistence	persistence	NOUN
easat-6185	228	15	of	of	ADP
easat-6185	228	16	credit	credit	NOUN
easat-6185	228	17	risk	risk	NOUN
easat-6185	228	18	in	in	ADP
easat-6185	228	19	the	the	DET
easat-6185	228	20	region	region	NOUN
easat-6185	228	21	,	,	PUNCT
easat-6185	228	22	likely	likely	ADV
easat-6185	228	23	influenced	influence	VERB
easat-6185	228	24	by	by	ADP
easat-6185	228	25	factors	factor	NOUN
easat-6185	228	26	such	such	ADJ
easat-6185	228	27	as	as	ADP
easat-6185	228	28	less	less	ADV
easat-6185	228	29	effective	effective	ADJ
easat-6185	228	30	debt	debt	NOUN
easat-6185	228	31	recovery	recovery	NOUN
easat-6185	228	32	mechanisms	mechanism	NOUN
easat-6185	228	33	and	and	CCONJ
easat-6185	228	34	relationshipbased	relationshipbase	VERB
easat-6185	228	35	lending	lending	NOUN
easat-6185	228	36	practices	practice	NOUN
easat-6185	228	37	prevalent	prevalent	ADJ
easat-6185	228	38	in	in	ADP
easat-6185	228	39	some	some	DET
easat-6185	228	40	southeast	southeast	ADJ
easat-6185	228	41	asian	asian	ADJ
easat-6185	228	42	markets	market	NOUN
easat-6185	228	43	.	.	PUNCT
easat-6185	229	1	this	this	PRON
easat-6185	229	2	aligns	align	VERB
easat-6185	229	3	with	with	ADP
easat-6185	229	4	the	the	DET
easat-6185	229	5	arguments	argument	NOUN
easat-6185	229	6	presented	present	VERB
easat-6185	229	7	by	by	ADP
easat-6185	229	8	mesagan	mesagan	PROPN
easat-6185	229	9	and	and	CCONJ
easat-6185	229	10	akanni	akanni	VERB
easat-6185	229	11	[	[	X
easat-6185	229	12	13	13	NUM
easat-6185	229	13	]	]	PUNCT
easat-6185	229	14	regarding	regard	VERB
easat-6185	229	15	the	the	DET
easat-6185	229	16	importance	importance	NOUN
easat-6185	229	17	of	of	ADP
easat-6185	229	18	past	past	ADJ
easat-6185	229	19	performance	performance	NOUN
easat-6185	229	20	in	in	ADP
easat-6185	229	21	predicting	predict	VERB
easat-6185	229	22	future	future	ADJ
easat-6185	229	23	npls	npls	NOUN
easat-6185	229	24	.	.	PUNCT
easat-6185	230	1	the	the	DET
easat-6185	230	2	negative	negative	ADJ
easat-6185	230	3	and	and	CCONJ
easat-6185	230	4	significant	significant	ADJ
easat-6185	230	5	relationship	relationship	NOUN
easat-6185	230	6	between	between	ADP
easat-6185	230	7	capital	capital	NOUN
easat-6185	230	8	adequacy	adequacy	NOUN
easat-6185	230	9	ratio	ratio	NOUN
easat-6185	230	10	(	(	PUNCT
easat-6185	230	11	car	car	NOUN
easat-6185	230	12	)	)	PUNCT
easat-6185	230	13	and	and	CCONJ
easat-6185	230	14	npls	npls	NOUN
easat-6185	230	15	reinforces	reinforce	VERB
easat-6185	230	16	the	the	DET
easat-6185	230	17	importance	importance	NOUN
easat-6185	230	18	of	of	ADP
easat-6185	230	19	strong	strong	ADJ
easat-6185	230	20	capitalization	capitalization	NOUN
easat-6185	230	21	in	in	ADP
easat-6185	230	22	mitigating	mitigate	VERB
easat-6185	230	23	credit	credit	NOUN
easat-6185	230	24	risk	risk	NOUN
easat-6185	230	25	.	.	PUNCT
easat-6185	231	1	well	well	ADV
easat-6185	231	2	-	-	PUNCT
easat-6185	231	3	capitalized	capitalize	VERB
easat-6185	231	4	banks	bank	NOUN
easat-6185	231	5	are	be	AUX
easat-6185	231	6	better	well	ADV
easat-6185	231	7	equipped	equip	VERB
easat-6185	231	8	to	to	PART
easat-6185	231	9	absorb	absorb	VERB
easat-6185	231	10	losses	loss	NOUN
easat-6185	231	11	and	and	CCONJ
easat-6185	231	12	likely	likely	ADV
easat-6185	231	13	adhere	adhere	VERB
easat-6185	231	14	to	to	ADP
easat-6185	231	15	more	more	ADV
easat-6185	231	16	stringent	stringent	ADJ
easat-6185	231	17	lending	lending	NOUN
easat-6185	231	18	standards	standard	NOUN
easat-6185	231	19	,	,	PUNCT
easat-6185	231	20	corroborating	corroborate	VERB
easat-6185	231	21	findings	finding	NOUN
easat-6185	231	22	by	by	ADP
easat-6185	231	23	abbas	abbas	PROPN
easat-6185	231	24	,	,	PUNCT
easat-6185	231	25	et	et	PROPN
easat-6185	231	26	al	al	PROPN
easat-6185	231	27	.	.	PUNCT
easat-6185	232	1	[	[	X
easat-6185	232	2	21	21	NUM
easat-6185	232	3	]	]	PUNCT
easat-6185	232	4	and	and	CCONJ
easat-6185	232	5	bougatef	bougatef	PROPN
easat-6185	233	1	[	[	X
easat-6185	233	2	22	22	NUM
easat-6185	233	3	]	]	PUNCT
easat-6185	233	4	.	.	PUNCT
easat-6185	234	1	contrary	contrary	ADJ
easat-6185	234	2	to	to	ADP
easat-6185	234	3	expectations	expectation	NOUN
easat-6185	234	4	,	,	PUNCT
easat-6185	234	5	loan	loan	NOUN
easat-6185	234	6	to	to	ADP
easat-6185	234	7	assets	asset	NOUN
easat-6185	234	8	ratio	ratio	NOUN
easat-6185	234	9	(	(	PUNCT
easat-6185	234	10	loa	loa	NOUN
easat-6185	234	11	)	)	PUNCT
easat-6185	234	12	did	do	AUX
easat-6185	234	13	not	not	PART
easat-6185	234	14	show	show	VERB
easat-6185	234	15	a	a	DET
easat-6185	234	16	significant	significant	ADJ
easat-6185	234	17	relationship	relationship	NOUN
easat-6185	234	18	with	with	ADP
easat-6185	234	19	npls	npls	NOUN
easat-6185	234	20	,	,	PUNCT
easat-6185	234	21	and	and	CCONJ
easat-6185	234	22	neither	neither	CCONJ
easat-6185	234	23	did	do	VERB
easat-6185	234	24	the	the	DET
easat-6185	234	25	deposit	deposit	NOUN
easat-6185	234	26	to	to	ADP
easat-6185	234	27	assets	asset	NOUN
easat-6185	234	28	ratio	ratio	NOUN
easat-6185	234	29	(	(	PUNCT
easat-6185	234	30	dta	dta	PROPN
easat-6185	234	31	)	)	PUNCT
easat-6185	234	32	.	.	PUNCT
easat-6185	235	1	this	this	PRON
easat-6185	235	2	deviates	deviate	VERB
easat-6185	235	3	from	from	ADP
easat-6185	235	4	studies	study	NOUN
easat-6185	235	5	suggesting	suggest	VERB
easat-6185	235	6	a	a	DET
easat-6185	235	7	positive	positive	ADJ
easat-6185	235	8	relationship	relationship	NOUN
easat-6185	235	9	between	between	ADP
easat-6185	235	10	loan	loan	NOUN
easat-6185	235	11	growth	growth	NOUN
easat-6185	235	12	and	and	CCONJ
easat-6185	235	13	npls	npls	NOUN
easat-6185	235	14	(	(	PUNCT
easat-6185	235	15	e.g.	e.g.	ADV
easat-6185	235	16	,	,	PUNCT
easat-6185	235	17	[	[	X
easat-6185	235	18	15	15	NUM
easat-6185	235	19	,	,	PUNCT
easat-6185	235	20	16	16	NUM
easat-6185	235	21	]	]	PUNCT
easat-6185	235	22	)	)	PUNCT
easat-6185	235	23	.	.	PUNCT
easat-6185	236	1	this	this	DET
easat-6185	236	2	unexpected	unexpected	ADJ
easat-6185	236	3	finding	finding	NOUN
easat-6185	236	4	warrants	warrant	NOUN
easat-6185	236	5	further	further	ADJ
easat-6185	236	6	investigation	investigation	NOUN
easat-6185	236	7	to	to	PART
easat-6185	236	8	understand	understand	VERB
easat-6185	236	9	the	the	DET
easat-6185	236	10	specific	specific	ADJ
easat-6185	236	11	dynamics	dynamic	NOUN
easat-6185	236	12	of	of	ADP
easat-6185	236	13	lending	lending	NOUN
easat-6185	236	14	and	and	CCONJ
easat-6185	236	15	deposit	deposit	NOUN
easat-6185	236	16	mobilization	mobilization	NOUN
easat-6185	236	17	in	in	ADP
easat-6185	236	18	the	the	DET
easat-6185	236	19	southeast	southeast	ADJ
easat-6185	236	20	asian	asian	ADJ
easat-6185	236	21	context	context	NOUN
easat-6185	236	22	.	.	PUNCT
easat-6185	237	1	it	it	PRON
easat-6185	237	2	is	be	AUX
easat-6185	237	3	possible	possible	ADJ
easat-6185	237	4	that	that	SCONJ
easat-6185	237	5	1128	1128	NUM
easat-6185	237	6	edelweiss	edelweiss	PROPN
easat-6185	237	7	applied	apply	VERB
easat-6185	237	8	science	science	NOUN
easat-6185	237	9	and	and	CCONJ
easat-6185	237	10	technology	technology	NOUN
easat-6185	237	11	issn	issn	PROPN
easat-6185	237	12	:	:	PUNCT
easat-6185	237	13	2576	2576	NUM
easat-6185	237	14	-	-	SYM
easat-6185	237	15	8484	8484	NUM
easat-6185	237	16	vol	vol	NOUN
easat-6185	237	17	.	.	PROPN
easat-6185	238	1	9	9	NUM
easat-6185	238	2	,	,	PUNCT
easat-6185	238	3	no	no	INTJ
easat-6185	238	4	.	.	NOUN
easat-6185	238	5	4	4	NUM
easat-6185	238	6	:	:	SYM
easat-6185	238	7	1120	1120	NUM
easat-6185	238	8	-	-	SYM
easat-6185	238	9	1130	1130	NUM
easat-6185	238	10	,	,	PUNCT
easat-6185	238	11	2025	2025	NUM
easat-6185	238	12	doi	doi	NOUN
easat-6185	238	13	:	:	PUNCT
easat-6185	238	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	238	15	©	©	PROPN
easat-6185	238	16	2025	2025	NUM
easat-6185	238	17	by	by	ADP
easat-6185	238	18	the	the	DET
easat-6185	238	19	authors	author	NOUN
easat-6185	238	20	;	;	PUNCT
easat-6185	238	21	licensee	licensee	PROPN
easat-6185	238	22	learning	learning	NOUN
easat-6185	238	23	gate	gate	VERB
easat-6185	238	24	regulatory	regulatory	ADJ
easat-6185	238	25	interventions	intervention	NOUN
easat-6185	238	26	or	or	CCONJ
easat-6185	238	27	specific	specific	ADJ
easat-6185	238	28	lending	lending	NOUN
easat-6185	238	29	practices	practice	NOUN
easat-6185	238	30	in	in	ADP
easat-6185	238	31	the	the	DET
easat-6185	238	32	region	region	NOUN
easat-6185	238	33	mitigate	mitigate	VERB
easat-6185	238	34	the	the	DET
easat-6185	238	35	expected	expect	VERB
easat-6185	238	36	positive	positive	ADJ
easat-6185	238	37	relationship	relationship	NOUN
easat-6185	238	38	between	between	ADP
easat-6185	238	39	loan	loan	NOUN
easat-6185	238	40	growth	growth	NOUN
easat-6185	238	41	and	and	CCONJ
easat-6185	238	42	npls	npls	NOUN
easat-6185	238	43	.	.	PUNCT
easat-6185	239	1	at	at	ADP
easat-6185	239	2	the	the	DET
easat-6185	239	3	same	same	ADJ
easat-6185	239	4	time	time	NOUN
easat-6185	239	5	,	,	PUNCT
easat-6185	239	6	the	the	DET
easat-6185	239	7	study	study	NOUN
easat-6185	239	8	confirms	confirm	VERB
easat-6185	239	9	the	the	DET
easat-6185	239	10	detrimental	detrimental	ADJ
easat-6185	239	11	impact	impact	NOUN
easat-6185	239	12	of	of	ADP
easat-6185	239	13	the	the	DET
easat-6185	239	14	covid-19	covid-19	PROPN
easat-6185	239	15	pandemic	pandemic	NOUN
easat-6185	239	16	on	on	ADP
easat-6185	239	17	asset	asset	NOUN
easat-6185	239	18	quality	quality	NOUN
easat-6185	239	19	.	.	PUNCT
easat-6185	240	1	the	the	DET
easat-6185	240	2	positive	positive	ADJ
easat-6185	240	3	and	and	CCONJ
easat-6185	240	4	significant	significant	ADJ
easat-6185	240	5	coefficient	coefficient	NOUN
easat-6185	240	6	of	of	ADP
easat-6185	240	7	the	the	DET
easat-6185	240	8	covid-19	covid-19	PROPN
easat-6185	240	9	dummy	dummy	ADJ
easat-6185	240	10	variable	variable	NOUN
easat-6185	240	11	highlights	highlight	NOUN
easat-6185	240	12	the	the	DET
easat-6185	240	13	widespread	widespread	ADJ
easat-6185	240	14	economic	economic	ADJ
easat-6185	240	15	disruption	disruption	NOUN
easat-6185	240	16	caused	cause	VERB
easat-6185	240	17	by	by	ADP
easat-6185	240	18	the	the	DET
easat-6185	240	19	pandemic	pandemic	NOUN
easat-6185	240	20	,	,	PUNCT
easat-6185	240	21	leading	lead	VERB
easat-6185	240	22	to	to	ADP
easat-6185	240	23	increased	increase	VERB
easat-6185	240	24	loan	loan	NOUN
easat-6185	240	25	defaults	default	NOUN
easat-6185	240	26	.	.	PUNCT
easat-6185	241	1	this	this	PRON
easat-6185	241	2	aligns	align	VERB
easat-6185	241	3	with	with	ADP
easat-6185	241	4	the	the	DET
easat-6185	241	5	global	global	ADJ
easat-6185	241	6	trend	trend	NOUN
easat-6185	241	7	of	of	ADP
easat-6185	241	8	rising	rise	VERB
easat-6185	241	9	npls	npls	NOUN
easat-6185	241	10	observed	observe	VERB
easat-6185	241	11	during	during	ADP
easat-6185	241	12	the	the	DET
easat-6185	241	13	pandemic	pandemic	NOUN
easat-6185	241	14	.	.	PUNCT
easat-6185	242	1	this	this	DET
easat-6185	242	2	study	study	NOUN
easat-6185	242	3	provides	provide	VERB
easat-6185	242	4	valuable	valuable	ADJ
easat-6185	242	5	insights	insight	NOUN
easat-6185	242	6	into	into	ADP
easat-6185	242	7	the	the	DET
easat-6185	242	8	determinants	determinant	NOUN
easat-6185	242	9	of	of	ADP
easat-6185	242	10	npls	npls	NOUN
easat-6185	242	11	in	in	ADP
easat-6185	242	12	southeast	southeast	ADJ
easat-6185	242	13	asian	asian	ADJ
easat-6185	242	14	banks	bank	NOUN
easat-6185	242	15	.	.	PUNCT
easat-6185	243	1	the	the	DET
easat-6185	243	2	findings	finding	NOUN
easat-6185	243	3	suggest	suggest	VERB
easat-6185	243	4	that	that	SCONJ
easat-6185	243	5	while	while	SCONJ
easat-6185	243	6	income	income	NOUN
easat-6185	243	7	diversification	diversification	NOUN
easat-6185	243	8	might	might	AUX
easat-6185	243	9	lead	lead	VERB
easat-6185	243	10	to	to	ADP
easat-6185	243	11	higher	high	ADJ
easat-6185	243	12	npls	npls	NOUN
easat-6185	243	13	in	in	ADP
easat-6185	243	14	this	this	DET
easat-6185	243	15	specific	specific	ADJ
easat-6185	243	16	context	context	NOUN
easat-6185	243	17	,	,	PUNCT
easat-6185	243	18	strong	strong	ADJ
easat-6185	243	19	capitalization	capitalization	NOUN
easat-6185	243	20	remains	remain	VERB
easat-6185	243	21	a	a	DET
easat-6185	243	22	crucial	crucial	ADJ
easat-6185	243	23	buffer	buffer	NOUN
easat-6185	243	24	against	against	ADP
easat-6185	243	25	credit	credit	NOUN
easat-6185	243	26	risk	risk	NOUN
easat-6185	243	27	.	.	PUNCT
easat-6185	244	1	the	the	DET
easat-6185	244	2	covid-19	covid-19	PROPN
easat-6185	244	3	pandemic	pandemic	NOUN
easat-6185	244	4	has	have	AUX
easat-6185	244	5	significantly	significantly	ADV
easat-6185	244	6	exacerbated	exacerbate	VERB
easat-6185	244	7	npls	npls	NOUN
easat-6185	244	8	,	,	PUNCT
easat-6185	244	9	underscoring	underscore	VERB
easat-6185	244	10	the	the	DET
easat-6185	244	11	need	need	NOUN
easat-6185	244	12	for	for	ADP
easat-6185	244	13	robust	robust	ADJ
easat-6185	244	14	risk	risk	NOUN
easat-6185	244	15	management	management	NOUN
easat-6185	244	16	practices	practice	NOUN
easat-6185	244	17	and	and	CCONJ
easat-6185	244	18	regulatory	regulatory	ADJ
easat-6185	244	19	oversight	oversight	NOUN
easat-6185	244	20	.	.	PUNCT
easat-6185	245	1	future	future	ADJ
easat-6185	245	2	research	research	NOUN
easat-6185	245	3	should	should	AUX
easat-6185	245	4	focus	focus	VERB
easat-6185	245	5	on	on	ADP
easat-6185	245	6	disaggregating	disaggregate	VERB
easat-6185	245	7	non	non	ADJ
easat-6185	245	8	-	-	ADJ
easat-6185	245	9	interest	interest	ADJ
easat-6185	245	10	income	income	NOUN
easat-6185	245	11	sources	source	NOUN
easat-6185	245	12	and	and	CCONJ
easat-6185	245	13	exploring	explore	VERB
easat-6185	245	14	the	the	DET
easat-6185	245	15	specific	specific	ADJ
easat-6185	245	16	channels	channel	NOUN
easat-6185	245	17	through	through	ADP
easat-6185	245	18	which	which	PRON
easat-6185	245	19	income	income	NOUN
easat-6185	245	20	diversification	diversification	NOUN
easat-6185	245	21	affects	affect	VERB
easat-6185	245	22	npls	npls	NOUN
easat-6185	245	23	in	in	ADP
easat-6185	245	24	different	different	ADJ
easat-6185	245	25	institutional	institutional	ADJ
easat-6185	245	26	and	and	CCONJ
easat-6185	245	27	regulatory	regulatory	ADJ
easat-6185	245	28	environments	environment	NOUN
easat-6185	245	29	.	.	PUNCT
easat-6185	246	1	a	a	DET
easat-6185	246	2	deeper	deep	ADJ
easat-6185	246	3	understanding	understanding	NOUN
easat-6185	246	4	of	of	ADP
easat-6185	246	5	these	these	DET
easat-6185	246	6	dynamics	dynamic	NOUN
easat-6185	246	7	is	be	AUX
easat-6185	246	8	crucial	crucial	ADJ
easat-6185	246	9	for	for	ADP
easat-6185	246	10	ensuring	ensure	VERB
easat-6185	246	11	the	the	DET
easat-6185	246	12	stability	stability	NOUN
easat-6185	246	13	and	and	CCONJ
easat-6185	246	14	resilience	resilience	NOUN
easat-6185	246	15	of	of	ADP
easat-6185	246	16	the	the	DET
easat-6185	246	17	banking	banking	NOUN
easat-6185	246	18	sector	sector	NOUN
easat-6185	246	19	in	in	ADP
easat-6185	246	20	southeast	southeast	PROPN
easat-6185	246	21	asia	asia	PROPN
easat-6185	246	22	.	.	PUNCT
easat-6185	247	1	6	6	X
easat-6185	247	2	.	.	X
easat-6185	247	3	conclusion	conclusion	NOUN
easat-6185	247	4	this	this	DET
easat-6185	247	5	study	study	NOUN
easat-6185	247	6	's	's	PART
easat-6185	247	7	findings	finding	NOUN
easat-6185	247	8	provide	provide	VERB
easat-6185	247	9	crucial	crucial	ADJ
easat-6185	247	10	insights	insight	NOUN
easat-6185	247	11	for	for	ADP
easat-6185	247	12	balancing	balance	VERB
easat-6185	247	13	income	income	NOUN
easat-6185	247	14	diversification	diversification	NOUN
easat-6185	247	15	and	and	CCONJ
easat-6185	247	16	npl	npl	NOUN
easat-6185	247	17	mitigation	mitigation	NOUN
easat-6185	247	18	in	in	ADP
easat-6185	247	19	southeast	southeast	ADJ
easat-6185	247	20	asian	asian	ADJ
easat-6185	247	21	banking	banking	NOUN
easat-6185	247	22	.	.	PUNCT
easat-6185	248	1	for	for	ADP
easat-6185	248	2	commercial	commercial	ADJ
easat-6185	248	3	bank	bank	NOUN
easat-6185	248	4	managers	manager	NOUN
easat-6185	248	5	,	,	PUNCT
easat-6185	248	6	the	the	DET
easat-6185	248	7	unexpected	unexpected	ADJ
easat-6185	248	8	positive	positive	ADJ
easat-6185	248	9	link	link	NOUN
easat-6185	248	10	between	between	ADP
easat-6185	248	11	income	income	NOUN
easat-6185	248	12	diversification	diversification	NOUN
easat-6185	248	13	and	and	CCONJ
easat-6185	248	14	npls	npls	NOUN
easat-6185	248	15	necessitates	necessitate	VERB
easat-6185	248	16	a	a	DET
easat-6185	248	17	strategic	strategic	ADJ
easat-6185	248	18	shift	shift	NOUN
easat-6185	248	19	.	.	PUNCT
easat-6185	249	1	aggressive	aggressive	ADJ
easat-6185	249	2	,	,	PUNCT
easat-6185	249	3	rapid	rapid	ADJ
easat-6185	249	4	expansion	expansion	NOUN
easat-6185	249	5	into	into	ADP
easat-6185	249	6	non	non	ADJ
easat-6185	249	7	-	-	ADJ
easat-6185	249	8	traditional	traditional	ADJ
easat-6185	249	9	activities	activity	NOUN
easat-6185	249	10	should	should	AUX
easat-6185	249	11	be	be	AUX
easat-6185	249	12	replaced	replace	VERB
easat-6185	249	13	by	by	ADP
easat-6185	249	14	a	a	DET
easat-6185	249	15	measured	measure	VERB
easat-6185	249	16	,	,	PUNCT
easat-6185	249	17	sustainable	sustainable	ADJ
easat-6185	249	18	approach	approach	NOUN
easat-6185	249	19	.	.	PUNCT
easat-6185	250	1	prioritizing	prioritize	VERB
easat-6185	250	2	core	core	NOUN
easat-6185	250	3	competencies	competency	NOUN
easat-6185	250	4	,	,	PUNCT
easat-6185	250	5	enhancing	enhance	VERB
easat-6185	250	6	credit	credit	NOUN
easat-6185	250	7	risk	risk	NOUN
easat-6185	250	8	assessment	assessment	NOUN
easat-6185	250	9	,	,	PUNCT
easat-6185	250	10	and	and	CCONJ
easat-6185	250	11	robust	robust	ADJ
easat-6185	250	12	risk	risk	NOUN
easat-6185	250	13	management	management	NOUN
easat-6185	250	14	are	be	AUX
easat-6185	250	15	crucial	crucial	ADJ
easat-6185	250	16	.	.	PUNCT
easat-6185	251	1	investing	invest	VERB
easat-6185	251	2	in	in	ADP
easat-6185	251	3	training	training	NOUN
easat-6185	251	4	and	and	CCONJ
easat-6185	251	5	expertise	expertise	NOUN
easat-6185	251	6	for	for	ADP
easat-6185	251	7	new	new	ADJ
easat-6185	251	8	ventures	venture	NOUN
easat-6185	251	9	can	can	AUX
easat-6185	251	10	mitigate	mitigate	VERB
easat-6185	251	11	informational	informational	ADJ
easat-6185	251	12	asymmetries	asymmetry	NOUN
easat-6185	251	13	.	.	PUNCT
easat-6185	252	1	furthermore	furthermore	ADV
easat-6185	252	2	,	,	PUNCT
easat-6185	252	3	leveraging	leverage	VERB
easat-6185	252	4	technology	technology	NOUN
easat-6185	252	5	to	to	PART
easat-6185	252	6	improve	improve	VERB
easat-6185	252	7	loan	loan	NOUN
easat-6185	252	8	monitoring	monitoring	NOUN
easat-6185	252	9	and	and	CCONJ
easat-6185	252	10	early	early	ADJ
easat-6185	252	11	warning	warning	NOUN
easat-6185	252	12	systems	system	NOUN
easat-6185	252	13	can	can	AUX
easat-6185	252	14	help	help	AUX
easat-6185	252	15	identify	identify	VERB
easat-6185	252	16	potential	potential	ADJ
easat-6185	252	17	npls	npls	NOUN
easat-6185	252	18	proactively	proactively	ADV
easat-6185	252	19	.	.	PUNCT
easat-6185	253	1	for	for	ADP
easat-6185	253	2	policymakers	policymaker	NOUN
easat-6185	253	3	,	,	PUNCT
easat-6185	253	4	fostering	foster	VERB
easat-6185	253	5	a	a	DET
easat-6185	253	6	regulatory	regulatory	ADJ
easat-6185	253	7	environment	environment	NOUN
easat-6185	253	8	that	that	PRON
easat-6185	253	9	encourages	encourage	VERB
easat-6185	253	10	prudent	prudent	ADJ
easat-6185	253	11	diversification	diversification	NOUN
easat-6185	253	12	is	be	AUX
easat-6185	253	13	key	key	ADJ
easat-6185	253	14	.	.	PUNCT
easat-6185	254	1	this	this	PRON
easat-6185	254	2	includes	include	VERB
easat-6185	254	3	stricter	strict	ADJ
easat-6185	254	4	due	due	ADJ
easat-6185	254	5	diligence	diligence	NOUN
easat-6185	254	6	requirements	requirement	NOUN
easat-6185	254	7	for	for	ADP
easat-6185	254	8	new	new	ADJ
easat-6185	254	9	activities	activity	NOUN
easat-6185	254	10	,	,	PUNCT
easat-6185	254	11	enhanced	enhance	VERB
easat-6185	254	12	capital	capital	NOUN
easat-6185	254	13	adequacy	adequacy	NOUN
easat-6185	254	14	regulations	regulation	NOUN
easat-6185	254	15	to	to	PART
easat-6185	254	16	buffer	buffer	VERB
easat-6185	254	17	against	against	ADP
easat-6185	254	18	potential	potential	ADJ
easat-6185	254	19	losses	loss	NOUN
easat-6185	254	20	,	,	PUNCT
easat-6185	254	21	and	and	CCONJ
easat-6185	254	22	promoting	promote	VERB
easat-6185	254	23	transparency	transparency	NOUN
easat-6185	254	24	through	through	ADP
easat-6185	254	25	information	information	NOUN
easat-6185	254	26	sharing	sharing	NOUN
easat-6185	254	27	initiatives	initiative	NOUN
easat-6185	254	28	.	.	PUNCT
easat-6185	255	1	supervisory	supervisory	ADJ
easat-6185	255	2	oversight	oversight	NOUN
easat-6185	255	3	should	should	AUX
easat-6185	255	4	focus	focus	VERB
easat-6185	255	5	on	on	ADP
easat-6185	255	6	ensuring	ensure	VERB
easat-6185	255	7	banks	bank	NOUN
easat-6185	255	8	possess	possess	VERB
easat-6185	255	9	the	the	DET
easat-6185	255	10	necessary	necessary	ADJ
easat-6185	255	11	expertise	expertise	NOUN
easat-6185	255	12	and	and	CCONJ
easat-6185	255	13	risk	risk	NOUN
easat-6185	255	14	management	management	NOUN
easat-6185	255	15	capabilities	capability	NOUN
easat-6185	255	16	before	before	ADP
easat-6185	255	17	expanding	expand	VERB
easat-6185	255	18	into	into	ADP
easat-6185	255	19	unfamiliar	unfamiliar	ADJ
easat-6185	255	20	areas	area	NOUN
easat-6185	255	21	.	.	PUNCT
easat-6185	256	1	however	however	ADV
easat-6185	256	2	,	,	PUNCT
easat-6185	256	3	this	this	DET
easat-6185	256	4	study	study	NOUN
easat-6185	256	5	has	have	VERB
easat-6185	256	6	limitations	limitation	NOUN
easat-6185	256	7	.	.	PUNCT
easat-6185	257	1	it	it	PRON
easat-6185	257	2	primarily	primarily	ADV
easat-6185	257	3	focuses	focus	VERB
easat-6185	257	4	on	on	ADP
easat-6185	257	5	overall	overall	ADJ
easat-6185	257	6	diversification	diversification	NOUN
easat-6185	257	7	and	and	CCONJ
easat-6185	257	8	does	do	AUX
easat-6185	257	9	n't	not	PART
easat-6185	257	10	delve	delve	VERB
easat-6185	257	11	into	into	ADP
easat-6185	257	12	the	the	DET
easat-6185	257	13	specific	specific	ADJ
easat-6185	257	14	types	type	NOUN
easat-6185	257	15	of	of	ADP
easat-6185	257	16	non	non	ADJ
easat-6185	257	17	-	-	ADJ
easat-6185	257	18	interest	interest	ADJ
easat-6185	257	19	income	income	NOUN
easat-6185	257	20	activities	activity	NOUN
easat-6185	257	21	and	and	CCONJ
easat-6185	257	22	their	their	PRON
easat-6185	257	23	differential	differential	ADJ
easat-6185	257	24	impact	impact	NOUN
easat-6185	257	25	on	on	ADP
easat-6185	257	26	npls	npls	NOUN
easat-6185	257	27	.	.	PUNCT
easat-6185	258	1	future	future	ADJ
easat-6185	258	2	research	research	NOUN
easat-6185	258	3	should	should	AUX
easat-6185	258	4	disaggregate	disaggregate	VERB
easat-6185	258	5	non	non	ADJ
easat-6185	258	6	-	-	ADJ
easat-6185	258	7	interest	interest	ADJ
easat-6185	258	8	income	income	NOUN
easat-6185	258	9	sources	source	NOUN
easat-6185	258	10	to	to	PART
easat-6185	258	11	provide	provide	VERB
easat-6185	258	12	more	more	ADJ
easat-6185	258	13	granular	granular	ADJ
easat-6185	258	14	insights	insight	NOUN
easat-6185	258	15	.	.	PUNCT
easat-6185	259	1	furthermore	furthermore	ADV
easat-6185	259	2	,	,	PUNCT
easat-6185	259	3	the	the	DET
easat-6185	259	4	study	study	NOUN
easat-6185	259	5	does	do	AUX
easat-6185	259	6	n't	not	PART
easat-6185	259	7	explicitly	explicitly	ADV
easat-6185	259	8	address	address	VERB
easat-6185	259	9	the	the	DET
easat-6185	259	10	evolving	evolve	VERB
easat-6185	259	11	landscape	landscape	NOUN
easat-6185	259	12	of	of	ADP
easat-6185	259	13	digital	digital	ADJ
easat-6185	259	14	banking	banking	NOUN
easat-6185	259	15	and	and	CCONJ
easat-6185	259	16	financial	financial	ADJ
easat-6185	259	17	innovation	innovation	NOUN
easat-6185	259	18	.	.	PUNCT
easat-6185	260	1	future	future	ADJ
easat-6185	260	2	studies	study	NOUN
easat-6185	260	3	should	should	AUX
easat-6185	260	4	investigate	investigate	VERB
easat-6185	260	5	the	the	DET
easat-6185	260	6	impact	impact	NOUN
easat-6185	260	7	of	of	ADP
easat-6185	260	8	digital	digital	ADJ
easat-6185	260	9	transformation	transformation	NOUN
easat-6185	260	10	on	on	ADP
easat-6185	260	11	both	both	DET
easat-6185	260	12	income	income	NOUN
easat-6185	260	13	diversification	diversification	NOUN
easat-6185	260	14	and	and	CCONJ
easat-6185	260	15	npls	npls	NOUN
easat-6185	260	16	.	.	PUNCT
easat-6185	261	1	this	this	PRON
easat-6185	261	2	includes	include	VERB
easat-6185	261	3	examining	examine	VERB
easat-6185	261	4	the	the	DET
easat-6185	261	5	role	role	NOUN
easat-6185	261	6	of	of	ADP
easat-6185	261	7	fintech	fintech	NOUN
easat-6185	261	8	partnerships	partnership	NOUN
easat-6185	261	9	,	,	PUNCT
easat-6185	261	10	the	the	DET
easat-6185	261	11	adoption	adoption	NOUN
easat-6185	261	12	of	of	ADP
easat-6185	261	13	big	big	ADJ
easat-6185	261	14	data	datum	NOUN
easat-6185	261	15	analytics	analytic	NOUN
easat-6185	261	16	in	in	ADP
easat-6185	261	17	credit	credit	NOUN
easat-6185	261	18	scoring	scoring	NOUN
easat-6185	261	19	,	,	PUNCT
easat-6185	261	20	and	and	CCONJ
easat-6185	261	21	the	the	DET
easat-6185	261	22	emergence	emergence	NOUN
easat-6185	261	23	of	of	ADP
easat-6185	261	24	new	new	ADJ
easat-6185	261	25	digital	digital	ADJ
easat-6185	261	26	financial	financial	ADJ
easat-6185	261	27	products	product	NOUN
easat-6185	261	28	.	.	PUNCT
easat-6185	262	1	exploring	explore	VERB
easat-6185	262	2	how	how	SCONJ
easat-6185	262	3	digital	digital	ADJ
easat-6185	262	4	innovation	innovation	NOUN
easat-6185	262	5	can	can	AUX
easat-6185	262	6	enhance	enhance	VERB
easat-6185	262	7	efficiency	efficiency	NOUN
easat-6185	262	8	,	,	PUNCT
easat-6185	262	9	improve	improve	VERB
easat-6185	262	10	risk	risk	NOUN
easat-6185	262	11	management	management	NOUN
easat-6185	262	12	,	,	PUNCT
easat-6185	262	13	and	and	CCONJ
easat-6185	262	14	ultimately	ultimately	ADV
easat-6185	262	15	contribute	contribute	VERB
easat-6185	262	16	to	to	ADP
easat-6185	262	17	a	a	DET
easat-6185	262	18	more	more	ADV
easat-6185	262	19	stable	stable	ADJ
easat-6185	262	20	and	and	CCONJ
easat-6185	262	21	diversified	diversified	ADJ
easat-6185	262	22	banking	banking	NOUN
easat-6185	262	23	sector	sector	NOUN
easat-6185	262	24	in	in	ADP
easat-6185	262	25	southeast	southeast	PROPN
easat-6185	262	26	asia	asia	PROPN
easat-6185	262	27	is	be	AUX
easat-6185	262	28	a	a	DET
easat-6185	262	29	critical	critical	ADJ
easat-6185	262	30	avenue	avenue	NOUN
easat-6185	262	31	for	for	ADP
easat-6185	262	32	future	future	ADJ
easat-6185	262	33	research	research	NOUN
easat-6185	262	34	.	.	PUNCT
easat-6185	263	1	analyzing	analyze	VERB
easat-6185	263	2	the	the	DET
easat-6185	263	3	interplay	interplay	NOUN
easat-6185	263	4	between	between	ADP
easat-6185	263	5	digital	digital	ADJ
easat-6185	263	6	transformation	transformation	NOUN
easat-6185	263	7	,	,	PUNCT
easat-6185	263	8	regulatory	regulatory	ADJ
easat-6185	263	9	responses	response	NOUN
easat-6185	263	10	,	,	PUNCT
easat-6185	263	11	and	and	CCONJ
easat-6185	263	12	bank	bank	NOUN
easat-6185	263	13	performance	performance	NOUN
easat-6185	263	14	will	will	AUX
easat-6185	263	15	be	be	AUX
easat-6185	263	16	essential	essential	ADJ
easat-6185	263	17	for	for	ADP
easat-6185	263	18	navigating	navigate	VERB
easat-6185	263	19	the	the	DET
easat-6185	263	20	future	future	NOUN
easat-6185	263	21	of	of	ADP
easat-6185	263	22	banking	banking	NOUN
easat-6185	263	23	in	in	ADP
easat-6185	263	24	the	the	DET
easat-6185	263	25	region	region	NOUN
easat-6185	263	26	.	.	PUNCT
easat-6185	264	1	finally	finally	ADV
easat-6185	264	2	,	,	PUNCT
easat-6185	264	3	incorporating	incorporate	VERB
easat-6185	264	4	countryspecific	countryspecific	NOUN
easat-6185	264	5	analyses	analysis	NOUN
easat-6185	264	6	could	could	AUX
easat-6185	264	7	reveal	reveal	VERB
easat-6185	264	8	nuanced	nuanced	ADJ
easat-6185	264	9	relationships	relationship	NOUN
easat-6185	264	10	shaped	shape	VERB
easat-6185	264	11	by	by	ADP
easat-6185	264	12	varying	vary	VERB
easat-6185	264	13	regulatory	regulatory	ADJ
easat-6185	264	14	landscapes	landscape	NOUN
easat-6185	264	15	and	and	CCONJ
easat-6185	264	16	economic	economic	ADJ
easat-6185	264	17	conditions	condition	NOUN
easat-6185	264	18	within	within	ADP
easat-6185	264	19	southeast	southeast	PROPN
easat-6185	264	20	asia	asia	PROPN
easat-6185	264	21	.	.	PUNCT
easat-6185	265	1	transparency	transparency	NOUN
easat-6185	265	2	:	:	PUNCT
easat-6185	265	3	the	the	DET
easat-6185	265	4	authors	author	NOUN
easat-6185	265	5	confirm	confirm	VERB
easat-6185	265	6	that	that	SCONJ
easat-6185	265	7	the	the	DET
easat-6185	265	8	manuscript	manuscript	NOUN
easat-6185	265	9	is	be	AUX
easat-6185	265	10	an	an	DET
easat-6185	265	11	honest	honest	ADJ
easat-6185	265	12	,	,	PUNCT
easat-6185	265	13	accurate	accurate	ADJ
easat-6185	265	14	,	,	PUNCT
easat-6185	265	15	and	and	CCONJ
easat-6185	265	16	transparent	transparent	ADJ
easat-6185	265	17	account	account	NOUN
easat-6185	265	18	of	of	ADP
easat-6185	265	19	the	the	DET
easat-6185	265	20	study	study	NOUN
easat-6185	265	21	;	;	PUNCT
easat-6185	265	22	that	that	SCONJ
easat-6185	265	23	no	no	DET
easat-6185	265	24	vital	vital	ADJ
easat-6185	265	25	features	feature	NOUN
easat-6185	265	26	of	of	ADP
easat-6185	265	27	the	the	DET
easat-6185	265	28	study	study	NOUN
easat-6185	265	29	have	have	AUX
easat-6185	265	30	been	be	AUX
easat-6185	265	31	omitted	omit	VERB
easat-6185	265	32	;	;	PUNCT
easat-6185	265	33	and	and	CCONJ
easat-6185	265	34	that	that	SCONJ
easat-6185	265	35	any	any	DET
easat-6185	265	36	discrepancies	discrepancy	NOUN
easat-6185	265	37	from	from	ADP
easat-6185	265	38	the	the	DET
easat-6185	265	39	study	study	NOUN
easat-6185	265	40	as	as	SCONJ
easat-6185	265	41	planned	plan	VERB
easat-6185	265	42	have	have	AUX
easat-6185	265	43	been	be	AUX
easat-6185	265	44	explained	explain	VERB
easat-6185	265	45	.	.	PUNCT
easat-6185	266	1	this	this	DET
easat-6185	266	2	study	study	NOUN
easat-6185	266	3	followed	follow	VERB
easat-6185	266	4	all	all	DET
easat-6185	266	5	ethical	ethical	ADJ
easat-6185	266	6	practices	practice	NOUN
easat-6185	266	7	during	during	ADP
easat-6185	266	8	writing	writing	NOUN
easat-6185	266	9	.	.	PUNCT
easat-6185	267	1	1129	1129	NUM
easat-6185	267	2	edelweiss	edelweiss	PROPN
easat-6185	267	3	applied	apply	VERB
easat-6185	267	4	science	science	NOUN
easat-6185	267	5	and	and	CCONJ
easat-6185	267	6	technology	technology	NOUN
easat-6185	267	7	issn	issn	PROPN
easat-6185	267	8	:	:	PUNCT
easat-6185	267	9	2576	2576	NUM
easat-6185	267	10	-	-	SYM
easat-6185	267	11	8484	8484	NUM
easat-6185	267	12	vol	vol	NOUN
easat-6185	267	13	.	.	PROPN
easat-6185	268	1	9	9	NUM
easat-6185	268	2	,	,	PUNCT
easat-6185	268	3	no	no	INTJ
easat-6185	268	4	.	.	NOUN
easat-6185	268	5	4	4	NUM
easat-6185	268	6	:	:	SYM
easat-6185	268	7	1120	1120	NUM
easat-6185	268	8	-	-	SYM
easat-6185	268	9	1130	1130	NUM
easat-6185	268	10	,	,	PUNCT
easat-6185	268	11	2025	2025	NUM
easat-6185	268	12	doi	doi	NOUN
easat-6185	268	13	:	:	PUNCT
easat-6185	268	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	268	15	©	©	PROPN
easat-6185	268	16	2025	2025	NUM
easat-6185	268	17	by	by	ADP
easat-6185	268	18	the	the	DET
easat-6185	268	19	authors	author	NOUN
easat-6185	268	20	;	;	PUNCT
easat-6185	269	1	licensee	licensee	PROPN
easat-6185	269	2	learning	learn	VERB
easat-6185	269	3	gate	gate	NOUN
easat-6185	269	4	copyright	copyright	NOUN
easat-6185	269	5	:	:	PUNCT
easat-6185	269	6	©	©	PROPN
easat-6185	269	7	2025	2025	NUM
easat-6185	269	8	by	by	ADP
easat-6185	269	9	the	the	DET
easat-6185	269	10	authors	author	NOUN
easat-6185	269	11	.	.	PUNCT
easat-6185	270	1	this	this	DET
easat-6185	270	2	open	open	ADJ
easat-6185	270	3	-	-	PUNCT
easat-6185	270	4	access	access	NOUN
easat-6185	270	5	article	article	NOUN
easat-6185	270	6	is	be	AUX
easat-6185	270	7	distributed	distribute	VERB
easat-6185	270	8	under	under	ADP
easat-6185	270	9	the	the	DET
easat-6185	270	10	terms	term	NOUN
easat-6185	270	11	and	and	CCONJ
easat-6185	270	12	conditions	condition	NOUN
easat-6185	270	13	of	of	ADP
easat-6185	270	14	the	the	DET
easat-6185	270	15	creative	creative	ADJ
easat-6185	270	16	commons	common	NOUN
easat-6185	270	17	attribution	attribution	NOUN
easat-6185	270	18	(	(	PUNCT
easat-6185	270	19	cc	cc	NOUN
easat-6185	270	20	by	by	ADP
easat-6185	270	21	)	)	PUNCT
easat-6185	270	22	license	license	NOUN
easat-6185	270	23	(	(	PUNCT
easat-6185	270	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-6185	270	25	)	)	PUNCT
easat-6185	270	26	.	.	PUNCT
easat-6185	271	1	references	reference	NOUN
easat-6185	271	2	[	[	X
easat-6185	271	3	1	1	X
easat-6185	271	4	]	]	PUNCT
easat-6185	271	5	t.	t.	PROPN
easat-6185	271	6	h.	h.	PROPN
easat-6185	271	7	t.	t.	PROPN
easat-6185	271	8	le	le	PROPN
easat-6185	271	9	and	and	CCONJ
easat-6185	271	10	p.	p.	PROPN
easat-6185	271	11	t.	t.	PROPN
easat-6185	271	12	diep	diep	PROPN
easat-6185	271	13	,	,	PUNCT
easat-6185	271	14	"	"	PUNCT
easat-6185	271	15	income	income	NOUN
easat-6185	271	16	diversification	diversification	NOUN
easat-6185	271	17	and	and	CCONJ
easat-6185	271	18	bank	bank	NOUN
easat-6185	271	19	performance	performance	NOUN
easat-6185	271	20	:	:	PUNCT
easat-6185	271	21	evidence	evidence	NOUN
easat-6185	271	22	from	from	ADP
easat-6185	271	23	vietnamese	vietnamese	ADJ
easat-6185	271	24	commercial	commercial	ADJ
easat-6185	271	25	banks	bank	NOUN
easat-6185	271	26	,	,	PUNCT
easat-6185	271	27	"	"	PUNCT
easat-6185	271	28	journal	journal	NOUN
easat-6185	271	29	of	of	ADP
easat-6185	271	30	asian	asian	ADJ
easat-6185	271	31	finance	finance	NOUN
easat-6185	271	32	,	,	PUNCT
easat-6185	271	33	economics	economic	NOUN
easat-6185	271	34	and	and	CCONJ
easat-6185	271	35	business	business	NOUN
easat-6185	271	36	,	,	PUNCT
easat-6185	271	37	vol	vol	NOUN
easat-6185	271	38	.	.	PROPN
easat-6185	271	39	7	7	NUM
easat-6185	271	40	,	,	PUNCT
easat-6185	271	41	no	no	INTJ
easat-6185	271	42	.	.	NOUN
easat-6185	271	43	4	4	NUM
easat-6185	271	44	,	,	PUNCT
easat-6185	271	45	pp	pp	ADJ
easat-6185	271	46	.	.	PUNCT
easat-6185	272	1	329–338	329–338	NUM
easat-6185	272	2	,	,	PUNCT
easat-6185	272	3	2020	2020	NUM
easat-6185	272	4	.	.	PUNCT
easat-6185	273	1	https://doi.org/10.13106/jafeb.2020.vol7.no4.329	https://doi.org/10.13106/jafeb.2020.vol7.no4.329	VERB
easat-6185	273	2	[	[	X
easat-6185	273	3	2	2	NUM
easat-6185	273	4	]	]	PUNCT
easat-6185	273	5	n.	n.	PROPN
easat-6185	273	6	p.	p.	PROPN
easat-6185	273	7	tan	tan	PROPN
easat-6185	273	8	and	and	CCONJ
easat-6185	273	9	t.	t.	PROPN
easat-6185	273	10	k.	k.	PROPN
easat-6185	274	1	o.	o.	PROPN
easat-6185	274	2	nguyen	nguyen	PROPN
easat-6185	274	3	,	,	PUNCT
easat-6185	274	4	"	"	PUNCT
easat-6185	274	5	the	the	DET
easat-6185	274	6	impact	impact	NOUN
easat-6185	274	7	of	of	ADP
easat-6185	274	8	income	income	NOUN
easat-6185	274	9	diversification	diversification	NOUN
easat-6185	274	10	on	on	ADP
easat-6185	274	11	the	the	DET
easat-6185	274	12	performance	performance	NOUN
easat-6185	274	13	of	of	ADP
easat-6185	274	14	vietnamese	vietnamese	ADJ
easat-6185	274	15	commercial	commercial	ADJ
easat-6185	274	16	banks	bank	NOUN
easat-6185	274	17	,	,	PUNCT
easat-6185	274	18	"	"	PUNCT
easat-6185	274	19	international	international	ADJ
easat-6185	274	20	journal	journal	NOUN
easat-6185	274	21	of	of	ADP
easat-6185	274	22	financial	financial	ADJ
easat-6185	274	23	studies	study	NOUN
easat-6185	274	24	,	,	PUNCT
easat-6185	274	25	vol	vol	NOUN
easat-6185	274	26	.	.	PROPN
easat-6185	274	27	9	9	NUM
easat-6185	274	28	,	,	PUNCT
easat-6185	274	29	no	no	INTJ
easat-6185	274	30	.	.	NOUN
easat-6185	274	31	4	4	NUM
easat-6185	274	32	,	,	PUNCT
easat-6185	274	33	p.	p.	NOUN
easat-6185	274	34	64	64	NUM
easat-6185	274	35	,	,	PUNCT
easat-6185	274	36	2021	2021	NUM
easat-6185	274	37	.	.	PUNCT
easat-6185	275	1	https://doi.org/10.3390/ijfs9040064	https://doi.org/10.3390/ijfs9040064	X
easat-6185	276	1	[	[	X
easat-6185	276	2	3	3	X
easat-6185	276	3	]	]	PUNCT
easat-6185	276	4	t.	t.	NOUN
easat-6185	276	5	t.	t.	PROPN
easat-6185	276	6	nguyen	nguyen	PROPN
easat-6185	276	7	and	and	CCONJ
easat-6185	276	8	h.	h.	PROPN
easat-6185	276	9	t.	t.	PROPN
easat-6185	276	10	pham	pham	PROPN
easat-6185	276	11	,	,	PUNCT
easat-6185	276	12	"	"	PUNCT
easat-6185	276	13	impact	impact	NOUN
easat-6185	276	14	of	of	ADP
easat-6185	276	15	income	income	NOUN
easat-6185	276	16	diversification	diversification	NOUN
easat-6185	276	17	on	on	ADP
easat-6185	276	18	bank	bank	NOUN
easat-6185	276	19	profitability	profitability	NOUN
easat-6185	276	20	:	:	PUNCT
easat-6185	276	21	empirical	empirical	ADJ
easat-6185	276	22	evidence	evidence	NOUN
easat-6185	276	23	from	from	ADP
easat-6185	276	24	vietnam	vietnam	PROPN
easat-6185	276	25	,	,	PUNCT
easat-6185	276	26	"	"	PUNCT
easat-6185	276	27	the	the	DET
easat-6185	276	28	journal	journal	NOUN
easat-6185	276	29	of	of	ADP
easat-6185	276	30	asian	asian	ADJ
easat-6185	276	31	finance	finance	NOUN
easat-6185	276	32	,	,	PUNCT
easat-6185	276	33	economics	economic	NOUN
easat-6185	276	34	and	and	CCONJ
easat-6185	276	35	business	business	NOUN
easat-6185	276	36	,	,	PUNCT
easat-6185	276	37	vol	vol	NOUN
easat-6185	276	38	.	.	PROPN
easat-6185	276	39	9	9	NUM
easat-6185	276	40	,	,	PUNCT
easat-6185	276	41	no	no	INTJ
easat-6185	276	42	.	.	NOUN
easat-6185	276	43	6	6	NUM
easat-6185	276	44	,	,	PUNCT
easat-6185	276	45	pp	pp	ADJ
easat-6185	276	46	.	.	PUNCT
easat-6185	277	1	227	227	NUM
easat-6185	277	2	-	-	SYM
easat-6185	277	3	236	236	NUM
easat-6185	277	4	,	,	PUNCT
easat-6185	277	5	2022	2022	NUM
easat-6185	277	6	.	.	PUNCT
easat-6185	278	1	https://doi.org/10.13106/jafeb.2022.vol9.no6.227	https://doi.org/10.13106/jafeb.2022.vol9.no6.227	PROPN
easat-6185	279	1	[	[	X
easat-6185	279	2	4	4	X
easat-6185	279	3	]	]	PUNCT
easat-6185	279	4	k.	k.	PROPN
easat-6185	279	5	j.	j.	PROPN
easat-6185	279	6	stiroh	stiroh	PROPN
easat-6185	279	7	,	,	PUNCT
easat-6185	279	8	"	"	PUNCT
easat-6185	279	9	diversification	diversification	NOUN
easat-6185	279	10	in	in	ADP
easat-6185	279	11	banking	banking	NOUN
easat-6185	279	12	:	:	PUNCT
easat-6185	279	13	is	be	AUX
easat-6185	279	14	noninterest	noninter	ADJ
easat-6185	279	15	income	income	NOUN
easat-6185	279	16	the	the	DET
easat-6185	279	17	answer	answer	NOUN
easat-6185	279	18	?	?	PUNCT
easat-6185	279	19	,	,	PUNCT
easat-6185	279	20	"	"	PUNCT
easat-6185	279	21	journal	journal	NOUN
easat-6185	279	22	of	of	ADP
easat-6185	279	23	money	money	NOUN
easat-6185	279	24	,	,	PUNCT
easat-6185	279	25	credit	credit	NOUN
easat-6185	279	26	and	and	CCONJ
easat-6185	279	27	banking	banking	NOUN
easat-6185	279	28	,	,	PUNCT
easat-6185	279	29	vol	vol	NOUN
easat-6185	279	30	.	.	PROPN
easat-6185	279	31	52	52	NUM
easat-6185	279	32	,	,	PUNCT
easat-6185	279	33	no	no	INTJ
easat-6185	279	34	.	.	NOUN
easat-6185	279	35	2	2	NUM
easat-6185	279	36	-	-	SYM
easat-6185	279	37	3	3	NUM
easat-6185	279	38	,	,	PUNCT
easat-6185	279	39	pp	pp	ADJ
easat-6185	279	40	.	.	PUNCT
easat-6185	280	1	395	395	NUM
easat-6185	280	2	-	-	SYM
easat-6185	280	3	442	442	NUM
easat-6185	280	4	,	,	PUNCT
easat-6185	280	5	2020	2020	NUM
easat-6185	280	6	.	.	PUNCT
easat-6185	281	1	https://doi.org/10.1111/jmcb.12600	https://doi.org/10.1111/jmcb.12600	PROPN
easat-6185	282	1	[	[	X
easat-6185	282	2	5	5	X
easat-6185	282	3	]	]	PUNCT
easat-6185	282	4	t.	t.	PROPN
easat-6185	282	5	h.	h.	PROPN
easat-6185	282	6	le	le	PROPN
easat-6185	282	7	and	and	CCONJ
easat-6185	282	8	t.	t.	PROPN
easat-6185	282	9	p.	p.	PROPN
easat-6185	282	10	ngo	ngo	PROPN
easat-6185	282	11	,	,	PUNCT
easat-6185	282	12	"	"	PUNCT
easat-6185	282	13	income	income	NOUN
easat-6185	282	14	diversification	diversification	NOUN
easat-6185	282	15	and	and	CCONJ
easat-6185	282	16	bank	bank	NOUN
easat-6185	282	17	performance	performance	NOUN
easat-6185	282	18	:	:	PUNCT
easat-6185	282	19	evidence	evidence	NOUN
easat-6185	282	20	from	from	ADP
easat-6185	282	21	vietnamese	vietnamese	ADJ
easat-6185	282	22	commercial	commercial	ADJ
easat-6185	282	23	banks	bank	NOUN
easat-6185	282	24	,	,	PUNCT
easat-6185	282	25	"	"	PUNCT
easat-6185	282	26	the	the	DET
easat-6185	282	27	journal	journal	NOUN
easat-6185	282	28	of	of	ADP
easat-6185	282	29	asian	asian	ADJ
easat-6185	282	30	finance	finance	NOUN
easat-6185	282	31	,	,	PUNCT
easat-6185	282	32	economics	economic	NOUN
easat-6185	282	33	and	and	CCONJ
easat-6185	282	34	business	business	NOUN
easat-6185	282	35	,	,	PUNCT
easat-6185	282	36	vol	vol	NOUN
easat-6185	282	37	.	.	PROPN
easat-6185	282	38	8	8	NUM
easat-6185	282	39	,	,	PUNCT
easat-6185	282	40	no	no	INTJ
easat-6185	282	41	.	.	NOUN
easat-6185	282	42	3	3	NUM
easat-6185	282	43	,	,	PUNCT
easat-6185	282	44	pp	pp	ADJ
easat-6185	282	45	.	.	PUNCT
easat-6185	283	1	947–955	947–955	NUM
easat-6185	283	2	,	,	PUNCT
easat-6185	283	3	2021	2021	NUM
easat-6185	283	4	.	.	PUNCT
easat-6185	284	1	https://doi.org/10.13106/jafeb.2021.vol8.no3.0947	https://doi.org/10.13106/jafeb.2021.vol8.no3.0947	X
easat-6185	285	1	[	[	X
easat-6185	285	2	6	6	NUM
easat-6185	285	3	]	]	X
easat-6185	285	4	o.	o.	PROPN
easat-6185	285	5	de	de	X
easat-6185	285	6	jonghe	jonghe	PROPN
easat-6185	285	7	,	,	PUNCT
easat-6185	285	8	m.	m.	NOUN
easat-6185	285	9	diepstraten	diepstraten	NOUN
easat-6185	285	10	,	,	PUNCT
easat-6185	285	11	and	and	CCONJ
easat-6185	285	12	g.	g.	PROPN
easat-6185	285	13	schepens	schepens	PROPN
easat-6185	285	14	,	,	PUNCT
easat-6185	285	15	"	"	PUNCT
easat-6185	285	16	bank	bank	NOUN
easat-6185	285	17	income	income	NOUN
easat-6185	285	18	diversification	diversification	NOUN
easat-6185	285	19	and	and	CCONJ
easat-6185	285	20	financial	financial	ADJ
easat-6185	285	21	stability	stability	NOUN
easat-6185	285	22	:	:	PUNCT
easat-6185	285	23	evidence	evidence	NOUN
easat-6185	285	24	from	from	ADP
easat-6185	285	25	the	the	DET
easat-6185	285	26	global	global	ADJ
easat-6185	285	27	financial	financial	ADJ
easat-6185	285	28	crisis	crisis	NOUN
easat-6185	285	29	,	,	PUNCT
easat-6185	285	30	"	"	PUNCT
easat-6185	285	31	journal	journal	NOUN
easat-6185	285	32	of	of	ADP
easat-6185	285	33	financial	financial	ADJ
easat-6185	285	34	stability	stability	NOUN
easat-6185	285	35	,	,	PUNCT
easat-6185	285	36	vol	vol	NOUN
easat-6185	285	37	.	.	PROPN
easat-6185	285	38	58	58	NUM
easat-6185	285	39	,	,	PUNCT
easat-6185	285	40	p.	p.	NOUN
easat-6185	285	41	100958	100958	NUM
easat-6185	285	42	,	,	PUNCT
easat-6185	285	43	2022	2022	NUM
easat-6185	285	44	.	.	PUNCT
easat-6185	285	45	https://doi.org/10.1016/j.jfs.2021.100958	https://doi.org/10.1016/j.jfs.2021.100958	PUNCT
easat-6185	286	1	[	[	X
easat-6185	286	2	7	7	X
easat-6185	286	3	]	]	X
easat-6185	286	4	c.	c.	PROPN
easat-6185	286	5	v.	v.	PROPN
easat-6185	286	6	baicu	baicu	PROPN
easat-6185	286	7	,	,	PUNCT
easat-6185	286	8	l.	l.	PROPN
easat-6185	286	9	l.	l.	PROPN
easat-6185	286	10	ghita	ghita	PROPN
easat-6185	286	11	-	-	PUNCT
easat-6185	286	12	mitrescu	mitrescu	NOUN
easat-6185	286	13	,	,	PUNCT
easat-6185	286	14	and	and	CCONJ
easat-6185	286	15	c.	c.	PROPN
easat-6185	286	16	ţaicu	ţaicu	PROPN
easat-6185	286	17	,	,	PUNCT
easat-6185	286	18	"	"	PUNCT
easat-6185	286	19	does	do	AUX
easat-6185	286	20	income	income	NOUN
easat-6185	286	21	diversification	diversification	NOUN
easat-6185	286	22	affect	affect	VERB
easat-6185	286	23	bank	bank	NOUN
easat-6185	286	24	performance	performance	NOUN
easat-6185	286	25	?	?	PUNCT
easat-6185	287	1	evidence	evidence	NOUN
easat-6185	287	2	from	from	ADP
easat-6185	287	3	central	central	ADJ
easat-6185	287	4	and	and	CCONJ
easat-6185	287	5	eastern	eastern	ADJ
easat-6185	287	6	european	european	ADJ
easat-6185	287	7	countries	country	NOUN
easat-6185	287	8	,	,	PUNCT
easat-6185	287	9	"	"	PUNCT
easat-6185	287	10	journal	journal	NOUN
easat-6185	287	11	of	of	ADP
easat-6185	287	12	international	international	ADJ
easat-6185	287	13	financial	financial	ADJ
easat-6185	287	14	markets	market	NOUN
easat-6185	287	15	,	,	PUNCT
easat-6185	287	16	institutions	institution	NOUN
easat-6185	287	17	and	and	CCONJ
easat-6185	287	18	money	money	NOUN
easat-6185	287	19	,	,	PUNCT
easat-6185	287	20	vol	vol	NOUN
easat-6185	287	21	.	.	PROPN
easat-6185	287	22	72	72	NUM
easat-6185	287	23	,	,	PUNCT
easat-6185	287	24	p.	p.	NOUN
easat-6185	287	25	101317	101317	NUM
easat-6185	287	26	,	,	PUNCT
easat-6185	287	27	2021	2021	NUM
easat-6185	287	28	.	.	PUNCT
easat-6185	288	1	https://doi.org/10.1016/j.intfin.2021.101317	https://doi.org/10.1016/j.intfin.2021.101317	NOUN
easat-6185	288	2	[	[	X
easat-6185	288	3	8	8	NUM
easat-6185	288	4	]	]	PUNCT
easat-6185	288	5	a.	a.	NOUN
easat-6185	288	6	kumar	kumar	PROPN
easat-6185	288	7	,	,	PUNCT
easat-6185	288	8	a.	a.	NOUN
easat-6185	288	9	samad	samad	PROPN
easat-6185	288	10	,	,	PUNCT
easat-6185	288	11	and	and	CCONJ
easat-6185	288	12	s.	s.	PROPN
easat-6185	288	13	a.	a.	PROPN
easat-6185	288	14	rahim	rahim	PROPN
easat-6185	288	15	,	,	PUNCT
easat-6185	288	16	"	"	PUNCT
easat-6185	288	17	income	income	NOUN
easat-6185	288	18	diversification	diversification	NOUN
easat-6185	288	19	and	and	CCONJ
easat-6185	288	20	bank	bank	NOUN
easat-6185	288	21	performance	performance	NOUN
easat-6185	288	22	:	:	PUNCT
easat-6185	288	23	evidence	evidence	NOUN
easat-6185	288	24	from	from	ADP
easat-6185	288	25	islamic	islamic	ADJ
easat-6185	288	26	banks	bank	NOUN
easat-6185	288	27	,	,	PUNCT
easat-6185	288	28	"	"	PUNCT
easat-6185	288	29	pacific	pacific	ADJ
easat-6185	288	30	-	-	PUNCT
easat-6185	288	31	basin	basin	NOUN
easat-6185	288	32	finance	finance	NOUN
easat-6185	288	33	journal	journal	NOUN
easat-6185	288	34	,	,	PUNCT
easat-6185	288	35	vol	vol	NOUN
easat-6185	288	36	.	.	PROPN
easat-6185	288	37	78	78	NUM
easat-6185	288	38	,	,	PUNCT
easat-6185	288	39	p.	p.	NOUN
easat-6185	288	40	101626	101626	NUM
easat-6185	288	41	,	,	PUNCT
easat-6185	288	42	2023	2023	NUM
easat-6185	288	43	.	.	PUNCT
easat-6185	289	1	https://doi.org/10.1016/j.pacfin.2023.101626	https://doi.org/10.1016/j.pacfin.2023.101626	NOUN
easat-6185	289	2	[	[	X
easat-6185	289	3	9	9	NUM
easat-6185	289	4	]	]	X
easat-6185	289	5	c.	c.	PROPN
easat-6185	289	6	meslier	meslier	PROPN
easat-6185	289	7	,	,	PUNCT
easat-6185	289	8	r.	r.	PROPN
easat-6185	289	9	tacneng	tacneng	PROPN
easat-6185	289	10	,	,	PUNCT
easat-6185	289	11	and	and	CCONJ
easat-6185	289	12	a.	a.	NOUN
easat-6185	289	13	tarazi	tarazi	NOUN
easat-6185	289	14	,	,	PUNCT
easat-6185	289	15	"	"	PUNCT
easat-6185	289	16	bank	bank	NOUN
easat-6185	289	17	income	income	NOUN
easat-6185	289	18	diversification	diversification	NOUN
easat-6185	289	19	and	and	CCONJ
easat-6185	289	20	risk	risk	NOUN
easat-6185	289	21	:	:	PUNCT
easat-6185	289	22	evidence	evidence	NOUN
easat-6185	289	23	from	from	ADP
easat-6185	289	24	the	the	DET
easat-6185	289	25	mena	mena	PROPN
easat-6185	289	26	region	region	PROPN
easat-6185	289	27	,	,	PUNCT
easat-6185	289	28	"	"	PUNCT
easat-6185	289	29	emerging	emerge	VERB
easat-6185	289	30	markets	market	NOUN
easat-6185	289	31	review	review	VERB
easat-6185	289	32	,	,	PUNCT
easat-6185	289	33	vol	vol	NOUN
easat-6185	289	34	.	.	PROPN
easat-6185	289	35	45	45	NUM
easat-6185	289	36	,	,	PUNCT
easat-6185	289	37	p.	p.	NOUN
easat-6185	289	38	100766	100766	NUM
easat-6185	289	39	,	,	PUNCT
easat-6185	289	40	2024	2024	NUM
easat-6185	289	41	.	.	PUNCT
easat-6185	290	1	https://doi.org/10.1016/j.ememar.2024.100766	https://doi.org/10.1016/j.ememar.2024.100766	NOUN
easat-6185	290	2	[	[	X
easat-6185	290	3	10	10	NUM
easat-6185	290	4	]	]	PUNCT
easat-6185	290	5	t.	t.	PROPN
easat-6185	290	6	v.	v.	PROPN
easat-6185	290	7	h.	h.	PROPN
easat-6185	290	8	nguyen	nguyen	PROPN
easat-6185	290	9	,	,	PUNCT
easat-6185	290	10	t.	t.	PROPN
easat-6185	290	11	t.	t.	PROPN
easat-6185	290	12	h.	h.	PROPN
easat-6185	290	13	pham	pham	PROPN
easat-6185	290	14	,	,	PUNCT
easat-6185	290	15	and	and	CCONJ
easat-6185	290	16	t.	t.	PROPN
easat-6185	290	17	t.	t.	PROPN
easat-6185	290	18	nguyen	nguyen	PROPN
easat-6185	290	19	,	,	PUNCT
easat-6185	290	20	"	"	PUNCT
easat-6185	290	21	impact	impact	NOUN
easat-6185	290	22	of	of	ADP
easat-6185	290	23	income	income	NOUN
easat-6185	290	24	diversification	diversification	NOUN
easat-6185	290	25	on	on	ADP
easat-6185	290	26	bank	bank	NOUN
easat-6185	290	27	risk	risk	NOUN
easat-6185	290	28	:	:	PUNCT
easat-6185	290	29	evidence	evidence	NOUN
easat-6185	290	30	from	from	ADP
easat-6185	290	31	vietnamese	vietnamese	ADJ
easat-6185	290	32	commercial	commercial	ADJ
easat-6185	290	33	banks	bank	NOUN
easat-6185	290	34	,	,	PUNCT
easat-6185	290	35	"	"	PUNCT
easat-6185	290	36	journal	journal	NOUN
easat-6185	290	37	of	of	ADP
easat-6185	290	38	risk	risk	NOUN
easat-6185	290	39	and	and	CCONJ
easat-6185	290	40	financial	financial	ADJ
easat-6185	290	41	management	management	NOUN
easat-6185	290	42	,	,	PUNCT
easat-6185	290	43	vol	vol	NOUN
easat-6185	290	44	.	.	PROPN
easat-6185	290	45	15	15	NUM
easat-6185	290	46	,	,	PUNCT
easat-6185	290	47	no	no	INTJ
easat-6185	290	48	.	.	NOUN
easat-6185	290	49	1	1	NUM
easat-6185	290	50	,	,	PUNCT
easat-6185	290	51	p.	p.	NOUN
easat-6185	290	52	36	36	NUM
easat-6185	290	53	,	,	PUNCT
easat-6185	290	54	2022	2022	NUM
easat-6185	290	55	.	.	PUNCT
easat-6185	291	1	https://doi.org/10.3390/jrfm15010036	https://doi.org/10.3390/jrfm15010036	NOUN
easat-6185	291	2	[	[	X
easat-6185	291	3	11	11	NUM
easat-6185	291	4	]	]	X
easat-6185	291	5	f.	f.	PROPN
easat-6185	291	6	baicu	baicu	PROPN
easat-6185	291	7	,	,	PUNCT
easat-6185	291	8	v.	v.	ADP
easat-6185	291	9	dragota	dragota	NOUN
easat-6185	291	10	,	,	PUNCT
easat-6185	291	11	and	and	CCONJ
easat-6185	291	12	a.	a.	NOUN
easat-6185	291	13	ciobanu	ciobanu	PROPN
easat-6185	291	14	,	,	PUNCT
easat-6185	291	15	"	"	PUNCT
easat-6185	291	16	bank	bank	NOUN
easat-6185	291	17	diversification	diversification	NOUN
easat-6185	291	18	and	and	CCONJ
easat-6185	291	19	risk	risk	NOUN
easat-6185	291	20	:	:	PUNCT
easat-6185	291	21	evidence	evidence	NOUN
easat-6185	291	22	from	from	ADP
easat-6185	291	23	emerging	emerge	VERB
easat-6185	291	24	european	european	ADJ
easat-6185	291	25	countries	country	NOUN
easat-6185	291	26	,	,	PUNCT
easat-6185	291	27	"	"	PUNCT
easat-6185	291	28	journal	journal	NOUN
easat-6185	291	29	of	of	ADP
easat-6185	291	30	international	international	ADJ
easat-6185	291	31	financial	financial	ADJ
easat-6185	291	32	markets	market	NOUN
easat-6185	291	33	,	,	PUNCT
easat-6185	291	34	institutions	institution	NOUN
easat-6185	291	35	and	and	CCONJ
easat-6185	291	36	money	money	NOUN
easat-6185	291	37	,	,	PUNCT
easat-6185	291	38	vol	vol	NOUN
easat-6185	291	39	.	.	PROPN
easat-6185	291	40	67	67	NUM
easat-6185	291	41	,	,	PUNCT
easat-6185	291	42	p.	p.	NOUN
easat-6185	291	43	101217	101217	NUM
easat-6185	291	44	,	,	PUNCT
easat-6185	291	45	2020	2020	NUM
easat-6185	291	46	.	.	PUNCT
easat-6185	292	1	https://doi.org/10.1016/j.intfin.2020.101217	https://doi.org/10.1016/j.intfin.2020.101217	PROPN
easat-6185	292	2	[	[	X
easat-6185	292	3	12	12	NUM
easat-6185	292	4	]	]	X
easat-6185	292	5	r.	r.	PROPN
easat-6185	292	6	deyoung	deyoung	PROPN
easat-6185	292	7	and	and	CCONJ
easat-6185	292	8	t.	t.	PROPN
easat-6185	292	9	rice	rice	NOUN
easat-6185	292	10	,	,	PUNCT
easat-6185	292	11	"	"	PUNCT
easat-6185	292	12	noninterest	noninter	ADJ
easat-6185	292	13	income	income	NOUN
easat-6185	292	14	and	and	CCONJ
easat-6185	292	15	financial	financial	ADJ
easat-6185	292	16	performance	performance	NOUN
easat-6185	292	17	at	at	ADP
easat-6185	292	18	us	us	PROPN
easat-6185	292	19	commercial	commercial	ADJ
easat-6185	292	20	banks	bank	NOUN
easat-6185	292	21	,	,	PUNCT
easat-6185	292	22	"	"	PUNCT
easat-6185	292	23	financial	financial	ADJ
easat-6185	292	24	review	review	NOUN
easat-6185	292	25	,	,	PUNCT
easat-6185	292	26	vol	vol	NOUN
easat-6185	292	27	.	.	PROPN
easat-6185	292	28	39	39	NUM
easat-6185	292	29	,	,	PUNCT
easat-6185	292	30	no	no	INTJ
easat-6185	292	31	.	.	NOUN
easat-6185	292	32	1	1	NUM
easat-6185	292	33	,	,	PUNCT
easat-6185	292	34	pp	pp	ADJ
easat-6185	292	35	.	.	PUNCT
easat-6185	293	1	101	101	NUM
easat-6185	293	2	-	-	SYM
easat-6185	293	3	127	127	NUM
easat-6185	293	4	,	,	PUNCT
easat-6185	293	5	2004	2004	NUM
easat-6185	293	6	.	.	PUNCT
easat-6185	294	1	https://doi.org/10.1111/j.0732-8516.2004.00069.x	https://doi.org/10.1111/j.0732-8516.2004.00069.x	NOUN
easat-6185	295	1	[	[	X
easat-6185	295	2	13	13	NUM
easat-6185	295	3	]	]	PUNCT
easat-6185	295	4	e.	e.	PROPN
easat-6185	295	5	p.	p.	PROPN
easat-6185	295	6	mesagan	mesagan	PROPN
easat-6185	295	7	and	and	CCONJ
easat-6185	295	8	o.	o.	PROPN
easat-6185	295	9	p.	p.	PROPN
easat-6185	295	10	akanni	akanni	PROPN
easat-6185	295	11	,	,	PUNCT
easat-6185	295	12	"	"	PUNCT
easat-6185	295	13	bank	bank	NOUN
easat-6185	295	14	lending	lending	NOUN
easat-6185	295	15	and	and	CCONJ
easat-6185	295	16	non	non	ADJ
easat-6185	295	17	-	-	ADJ
easat-6185	295	18	performing	performing	ADJ
easat-6185	295	19	loans	loan	NOUN
easat-6185	295	20	in	in	ADP
easat-6185	295	21	nigeria	nigeria	PROPN
easat-6185	295	22	:	:	PUNCT
easat-6185	295	23	the	the	DET
easat-6185	295	24	moderating	moderate	VERB
easat-6185	295	25	role	role	NOUN
easat-6185	295	26	of	of	ADP
easat-6185	295	27	bank	bank	NOUN
easat-6185	295	28	characteristics	characteristic	NOUN
easat-6185	295	29	,	,	PUNCT
easat-6185	295	30	"	"	PUNCT
easat-6185	295	31	cogent	cogent	NOUN
easat-6185	295	32	economics	economic	NOUN
easat-6185	295	33	&	&	CCONJ
easat-6185	295	34	finance	finance	PROPN
easat-6185	295	35	,	,	PUNCT
easat-6185	295	36	vol	vol	NOUN
easat-6185	295	37	.	.	PROPN
easat-6185	295	38	9	9	NUM
easat-6185	295	39	,	,	PUNCT
easat-6185	295	40	no	no	INTJ
easat-6185	295	41	.	.	NOUN
easat-6185	295	42	1	1	NUM
easat-6185	295	43	,	,	PUNCT
easat-6185	295	44	p.	p.	NOUN
easat-6185	295	45	1963152	1963152	NUM
easat-6185	295	46	,	,	PUNCT
easat-6185	295	47	2021	2021	NUM
easat-6185	295	48	.	.	PUNCT
easat-6185	296	1	https://doi.org/10.1080/23322039.2021.1963152	https://doi.org/10.1080/23322039.2021.1963152	PROPN
easat-6185	297	1	[	[	X
easat-6185	297	2	14	14	NUM
easat-6185	297	3	]	]	PUNCT
easat-6185	297	4	p.	p.	PROPN
easat-6185	297	5	p.	p.	PROPN
easat-6185	297	6	athanasoglou	athanasoglou	PROPN
easat-6185	297	7	,	,	PUNCT
easat-6185	297	8	s.	s.	PROPN
easat-6185	297	9	n.	n.	PROPN
easat-6185	297	10	brissimis	brissimis	PROPN
easat-6185	297	11	,	,	PUNCT
easat-6185	297	12	and	and	CCONJ
easat-6185	297	13	m.	m.	PROPN
easat-6185	297	14	d.	d.	PROPN
easat-6185	297	15	delis	delis	PROPN
easat-6185	297	16	,	,	PUNCT
easat-6185	297	17	"	"	PUNCT
easat-6185	297	18	bank	bank	NOUN
easat-6185	297	19	-	-	PUNCT
easat-6185	297	20	specific	specific	ADJ
easat-6185	297	21	,	,	PUNCT
easat-6185	297	22	industry	industry	NOUN
easat-6185	297	23	-	-	PUNCT
easat-6185	297	24	specific	specific	ADJ
easat-6185	297	25	and	and	CCONJ
easat-6185	297	26	macroeconomic	macroeconomic	ADJ
easat-6185	297	27	determinants	determinant	NOUN
easat-6185	297	28	of	of	ADP
easat-6185	297	29	bank	bank	NOUN
easat-6185	297	30	profitability	profitability	NOUN
easat-6185	297	31	,	,	PUNCT
easat-6185	297	32	"	"	PUNCT
easat-6185	297	33	journal	journal	NOUN
easat-6185	297	34	of	of	ADP
easat-6185	297	35	international	international	ADJ
easat-6185	297	36	financial	financial	ADJ
easat-6185	297	37	markets	market	NOUN
easat-6185	297	38	,	,	PUNCT
easat-6185	297	39	institutions	institution	NOUN
easat-6185	297	40	and	and	CCONJ
easat-6185	297	41	money	money	NOUN
easat-6185	297	42	,	,	PUNCT
easat-6185	297	43	vol	vol	NOUN
easat-6185	297	44	.	.	PROPN
easat-6185	297	45	18	18	NUM
easat-6185	297	46	,	,	PUNCT
easat-6185	297	47	no	no	INTJ
easat-6185	297	48	.	.	NOUN
easat-6185	297	49	2	2	NUM
easat-6185	297	50	,	,	PUNCT
easat-6185	297	51	pp	pp	ADJ
easat-6185	297	52	.	.	PUNCT
easat-6185	298	1	121	121	NUM
easat-6185	298	2	-	-	SYM
easat-6185	298	3	136	136	NUM
easat-6185	298	4	,	,	PUNCT
easat-6185	298	5	2008	2008	NUM
easat-6185	298	6	.	.	PUNCT
easat-6185	299	1	https://doi.org/10.1016/j.intfin.2014.03.002	https://doi.org/10.1016/j.intfin.2014.03.002	NOUN
easat-6185	299	2	[	[	X
easat-6185	299	3	15	15	NUM
easat-6185	299	4	]	]	X
easat-6185	299	5	n.	n.	PROPN
easat-6185	299	6	klein	klein	PROPN
easat-6185	299	7	,	,	PUNCT
easat-6185	299	8	non	non	ADJ
easat-6185	299	9	-	-	ADJ
easat-6185	299	10	performing	performing	ADJ
easat-6185	299	11	loans	loan	NOUN
easat-6185	299	12	in	in	ADP
easat-6185	299	13	cesee	cesee	NOUN
easat-6185	299	14	:	:	PUNCT
easat-6185	299	15	determinants	determinant	NOUN
easat-6185	299	16	and	and	CCONJ
easat-6185	299	17	impact	impact	NOUN
easat-6185	299	18	on	on	ADP
easat-6185	299	19	macroeconomic	macroeconomic	ADJ
easat-6185	299	20	performance	performance	NOUN
easat-6185	299	21	.	.	PUNCT
easat-6185	300	1	focus	focus	VERB
easat-6185	300	2	on	on	ADP
easat-6185	300	3	european	european	ADJ
easat-6185	300	4	economic	economic	ADJ
easat-6185	300	5	integration	integration	NOUN
easat-6185	300	6	,	,	PUNCT
easat-6185	300	7	q1/13	q1/13	PROPN
easat-6185	300	8	.	.	PUNCT
easat-6185	301	1	vienna	vienna	PROPN
easat-6185	301	2	:	:	PUNCT
easat-6185	301	3	oesterreichische	oesterreichische	PROPN
easat-6185	301	4	nationalbank	nationalbank	PROPN
easat-6185	301	5	(	(	PUNCT
easat-6185	301	6	oenb	oenb	PROPN
easat-6185	301	7	)	)	PUNCT
easat-6185	301	8	,	,	PUNCT
easat-6185	301	9	2013	2013	NUM
easat-6185	301	10	.	.	PUNCT
easat-6185	302	1	[	[	X
easat-6185	302	2	16	16	NUM
easat-6185	302	3	]	]	PUNCT
easat-6185	302	4	m.	m.	NOUN
easat-6185	302	5	festić	festić	NOUN
easat-6185	302	6	,	,	PUNCT
easat-6185	302	7	a.	a.	NOUN
easat-6185	302	8	kavkler	kavkler	NOUN
easat-6185	302	9	,	,	PUNCT
easat-6185	302	10	and	and	CCONJ
easat-6185	302	11	s.	s.	PROPN
easat-6185	302	12	repina	repina	PROPN
easat-6185	302	13	,	,	PUNCT
easat-6185	302	14	"	"	PUNCT
easat-6185	302	15	the	the	DET
easat-6185	302	16	impact	impact	NOUN
easat-6185	302	17	of	of	ADP
easat-6185	302	18	bank	bank	NOUN
easat-6185	302	19	-	-	PUNCT
easat-6185	302	20	specific	specific	ADJ
easat-6185	302	21	and	and	CCONJ
easat-6185	302	22	macroeconomic	macroeconomic	ADJ
easat-6185	302	23	factors	factor	NOUN
easat-6185	302	24	on	on	ADP
easat-6185	302	25	non	non	ADJ
easat-6185	302	26	-	-	ADJ
easat-6185	302	27	performing	performing	ADJ
easat-6185	302	28	loans	loan	NOUN
easat-6185	302	29	:	:	PUNCT
easat-6185	302	30	evidence	evidence	NOUN
easat-6185	302	31	from	from	ADP
easat-6185	302	32	transition	transition	NOUN
easat-6185	302	33	countries	country	NOUN
easat-6185	302	34	,	,	PUNCT
easat-6185	302	35	"	"	PUNCT
easat-6185	302	36	economic	economic	ADJ
easat-6185	302	37	research	research	NOUN
easat-6185	302	38	-	-	PUNCT
easat-6185	302	39	ekonomska	ekonomska	ADJ
easat-6185	302	40	istraživanja	istraživanja	NOUN
easat-6185	302	41	,	,	PUNCT
easat-6185	302	42	vol	vol	NOUN
easat-6185	302	43	.	.	PROPN
easat-6185	302	44	31	31	NUM
easat-6185	302	45	,	,	PUNCT
easat-6185	302	46	no	no	INTJ
easat-6185	302	47	.	.	NOUN
easat-6185	302	48	1	1	NUM
easat-6185	302	49	,	,	PUNCT
easat-6185	302	50	pp	pp	ADJ
easat-6185	302	51	.	.	PUNCT
easat-6185	302	52	1464–1485	1464–1485	NUM
easat-6185	302	53	,	,	PUNCT
easat-6185	302	54	2018	2018	NUM
easat-6185	302	55	.	.	PUNCT
easat-6185	303	1	https://doi.org/10.1080/1331677x.2018.1484786	https://doi.org/10.1080/1331677x.2018.1484786	X
easat-6185	304	1	[	[	X
easat-6185	304	2	17	17	NUM
easat-6185	304	3	]	]	PUNCT
easat-6185	304	4	x.	x.	NOUN
easat-6185	304	5	v.	v.	PROPN
easat-6185	304	6	vo	vo	PROPN
easat-6185	304	7	,	,	PUNCT
easat-6185	304	8	t.	t.	PROPN
easat-6185	304	9	c.	c.	PROPN
easat-6185	304	10	nguyen	nguyen	PROPN
easat-6185	304	11	,	,	PUNCT
easat-6185	304	12	and	and	CCONJ
easat-6185	304	13	t.	t.	PROPN
easat-6185	304	14	h.	h.	PROPN
easat-6185	304	15	le	le	PROPN
easat-6185	304	16	,	,	PUNCT
easat-6185	304	17	"	"	PUNCT
easat-6185	304	18	determinants	determinant	NOUN
easat-6185	304	19	of	of	ADP
easat-6185	304	20	non	non	ADJ
easat-6185	304	21	-	-	ADJ
easat-6185	304	22	performing	performing	ADJ
easat-6185	304	23	loans	loan	NOUN
easat-6185	304	24	:	:	PUNCT
easat-6185	304	25	evidence	evidence	NOUN
easat-6185	304	26	from	from	ADP
easat-6185	304	27	vietnamese	vietnamese	ADJ
easat-6185	304	28	commercial	commercial	ADJ
easat-6185	304	29	banks	bank	NOUN
easat-6185	304	30	,	,	PUNCT
easat-6185	304	31	"	"	PUNCT
easat-6185	304	32	journal	journal	NOUN
easat-6185	304	33	of	of	ADP
easat-6185	304	34	risk	risk	NOUN
easat-6185	304	35	and	and	CCONJ
easat-6185	304	36	financial	financial	ADJ
easat-6185	304	37	management	management	NOUN
easat-6185	304	38	,	,	PUNCT
easat-6185	304	39	vol	vol	NOUN
easat-6185	304	40	.	.	PROPN
easat-6185	304	41	12	12	NUM
easat-6185	304	42	,	,	PUNCT
easat-6185	304	43	no	no	INTJ
easat-6185	304	44	.	.	NOUN
easat-6185	304	45	2	2	NUM
easat-6185	304	46	,	,	PUNCT
easat-6185	304	47	p.	p.	NOUN
easat-6185	304	48	83	83	NUM
easat-6185	304	49	,	,	PUNCT
easat-6185	304	50	2019	2019	NUM
easat-6185	304	51	.	.	PUNCT
easat-6185	305	1	https://doi.org/10.3390/jrfm12020083	https://doi.org/10.3390/jrfm12020083	PROPN
easat-6185	306	1	[	[	X
easat-6185	306	2	18	18	NUM
easat-6185	306	3	]	]	X
easat-6185	306	4	s.	s.	PROPN
easat-6185	306	5	kumar	kumar	PROPN
easat-6185	306	6	,	,	PUNCT
easat-6185	306	7	j.	j.	PROPN
easat-6185	306	8	singh	singh	PROPN
easat-6185	306	9	,	,	PUNCT
easat-6185	306	10	and	and	CCONJ
easat-6185	306	11	a.	a.	NOUN
easat-6185	306	12	sharma	sharma	PROPN
easat-6185	306	13	,	,	PUNCT
easat-6185	306	14	"	"	PUNCT
easat-6185	306	15	cost	cost	NOUN
easat-6185	306	16	efficiency	efficiency	NOUN
easat-6185	306	17	and	and	CCONJ
easat-6185	306	18	asset	asset	NOUN
easat-6185	306	19	quality	quality	NOUN
easat-6185	306	20	nexus	nexus	NOUN
easat-6185	306	21	in	in	ADP
easat-6185	306	22	indian	indian	ADJ
easat-6185	306	23	banking	banking	NOUN
easat-6185	306	24	:	:	PUNCT
easat-6185	306	25	an	an	DET
easat-6185	306	26	empirical	empirical	ADJ
easat-6185	306	27	investigation	investigation	NOUN
easat-6185	306	28	,	,	PUNCT
easat-6185	306	29	"	"	PUNCT
easat-6185	306	30	journal	journal	NOUN
easat-6185	306	31	of	of	ADP
easat-6185	306	32	emerging	emerge	VERB
easat-6185	306	33	market	market	NOUN
easat-6185	306	34	finance	finance	NOUN
easat-6185	306	35	,	,	PUNCT
easat-6185	306	36	vol	vol	NOUN
easat-6185	306	37	.	.	PROPN
easat-6185	306	38	20	20	NUM
easat-6185	306	39	,	,	PUNCT
easat-6185	306	40	no	no	INTJ
easat-6185	306	41	.	.	NOUN
easat-6185	306	42	2	2	NUM
easat-6185	306	43	,	,	PUNCT
easat-6185	306	44	pp	pp	ADJ
easat-6185	306	45	.	.	PUNCT
easat-6185	307	1	149–176	149–176	NUM
easat-6185	307	2	,	,	PUNCT
easat-6185	307	3	2021	2021	NUM
easat-6185	307	4	.	.	PUNCT
easat-6185	308	1	https://doi.org/10.1177/09726527211010315	https://doi.org/10.1177/09726527211010315	PUNCT
easat-6185	308	2	[	[	X
easat-6185	308	3	19	19	NUM
easat-6185	308	4	]	]	PUNCT
easat-6185	308	5	a.	a.	NOUN
easat-6185	308	6	ahmad	ahmad	PROPN
easat-6185	308	7	and	and	CCONJ
easat-6185	308	8	a.	a.	NOUN
easat-6185	308	9	bashir	bashir	PROPN
easat-6185	308	10	,	,	PUNCT
easat-6185	308	11	"	"	PUNCT
easat-6185	308	12	cost	cost	NOUN
easat-6185	308	13	efficiency	efficiency	NOUN
easat-6185	308	14	,	,	PUNCT
easat-6185	308	15	risk	risk	NOUN
easat-6185	308	16	-	-	PUNCT
easat-6185	308	17	taking	take	VERB
easat-6185	308	18	and	and	CCONJ
easat-6185	308	19	bank	bank	NOUN
easat-6185	308	20	performance	performance	NOUN
easat-6185	308	21	:	:	PUNCT
easat-6185	308	22	evidence	evidence	NOUN
easat-6185	308	23	from	from	ADP
easat-6185	308	24	pakistan	pakistan	PROPN
easat-6185	308	25	,	,	PUNCT
easat-6185	308	26	"	"	PUNCT
easat-6185	308	27	journal	journal	NOUN
easat-6185	308	28	of	of	ADP
easat-6185	308	29	business	business	NOUN
easat-6185	308	30	finance	finance	PROPN
easat-6185	308	31	&	&	CCONJ
easat-6185	308	32	accounting	accounting	PROPN
easat-6185	308	33	,	,	PUNCT
easat-6185	308	34	vol	vol	NOUN
easat-6185	308	35	.	.	PROPN
easat-6185	308	36	49	49	NUM
easat-6185	308	37	,	,	PUNCT
easat-6185	308	38	no	no	INTJ
easat-6185	308	39	.	.	PUNCT
easat-6185	309	1	5–6	5–6	NUM
easat-6185	309	2	,	,	PUNCT
easat-6185	309	3	pp	pp	ADJ
easat-6185	309	4	.	.	PUNCT
easat-6185	310	1	842–872	842–872	NUM
easat-6185	310	2	,	,	PUNCT
easat-6185	310	3	2022	2022	NUM
easat-6185	310	4	.	.	PUNCT
easat-6185	311	1	https://doi.org/10.1111/jbfa.12564	https://doi.org/10.1111/jbfa.12564	X
easat-6185	312	1	[	[	X
easat-6185	312	2	20	20	NUM
easat-6185	312	3	]	]	PUNCT
easat-6185	312	4	m.	m.	NOUN
easat-6185	312	5	a.	a.	PROPN
easat-6185	312	6	islam	islam	PROPN
easat-6185	312	7	and	and	CCONJ
easat-6185	312	8	m.	m.	PROPN
easat-6185	312	9	a.	a.	PROPN
easat-6185	312	10	khan	khan	PROPN
easat-6185	312	11	,	,	PUNCT
easat-6185	312	12	"	"	PUNCT
easat-6185	312	13	the	the	DET
easat-6185	312	14	impact	impact	NOUN
easat-6185	312	15	of	of	ADP
easat-6185	312	16	cost	cost	NOUN
easat-6185	312	17	-	-	PUNCT
easat-6185	312	18	to	to	ADP
easat-6185	312	19	-	-	PUNCT
easat-6185	312	20	income	income	NOUN
easat-6185	312	21	ratio	ratio	NOUN
easat-6185	312	22	on	on	ADP
easat-6185	312	23	bank	bank	NOUN
easat-6185	312	24	performance	performance	NOUN
easat-6185	312	25	:	:	PUNCT
easat-6185	312	26	evidence	evidence	NOUN
easat-6185	312	27	from	from	ADP
easat-6185	312	28	bangladesh	bangladesh	NOUN
easat-6185	312	29	,	,	PUNCT
easat-6185	312	30	"	"	PUNCT
easat-6185	312	31	journal	journal	NOUN
easat-6185	312	32	of	of	ADP
easat-6185	312	33	financial	financial	ADJ
easat-6185	312	34	economics	economic	NOUN
easat-6185	312	35	,	,	PUNCT
easat-6185	312	36	vol	vol	NOUN
easat-6185	312	37	.	.	PROPN
easat-6185	312	38	38	38	NUM
easat-6185	312	39	,	,	PUNCT
easat-6185	312	40	no	no	INTJ
easat-6185	312	41	.	.	NOUN
easat-6185	312	42	2	2	NUM
easat-6185	312	43	,	,	PUNCT
easat-6185	312	44	pp	pp	ADJ
easat-6185	312	45	.	.	PUNCT
easat-6185	313	1	112	112	NUM
easat-6185	313	2	-	-	SYM
easat-6185	313	3	128	128	NUM
easat-6185	313	4	,	,	PUNCT
easat-6185	313	5	2020	2020	NUM
easat-6185	313	6	.	.	PUNCT
easat-6185	314	1	[	[	X
easat-6185	314	2	21	21	NUM
easat-6185	314	3	]	]	PUNCT
easat-6185	314	4	a.	a.	NOUN
easat-6185	314	5	abbas	abbas	PROPN
easat-6185	314	6	,	,	PUNCT
easat-6185	314	7	j.	j.	PROPN
easat-6185	314	8	iqbal	iqbal	PROPN
easat-6185	314	9	,	,	PUNCT
easat-6185	314	10	and	and	CCONJ
easat-6185	314	11	b.	b.	PROPN
easat-6185	314	12	aziz	aziz	PROPN
easat-6185	314	13	,	,	PUNCT
easat-6185	314	14	"	"	PUNCT
easat-6185	314	15	impact	impact	NOUN
easat-6185	314	16	of	of	ADP
easat-6185	314	17	capital	capital	NOUN
easat-6185	314	18	adequacy	adequacy	NOUN
easat-6185	314	19	on	on	ADP
easat-6185	314	20	non	non	ADJ
easat-6185	314	21	-	-	ADJ
easat-6185	314	22	performing	performing	ADJ
easat-6185	314	23	loans	loan	NOUN
easat-6185	314	24	:	:	PUNCT
easat-6185	314	25	evidence	evidence	NOUN
easat-6185	314	26	from	from	ADP
easat-6185	314	27	banking	banking	NOUN
easat-6185	314	28	sector	sector	NOUN
easat-6185	314	29	of	of	ADP
easat-6185	314	30	pakistan	pakistan	PROPN
easat-6185	314	31	,	,	PUNCT
easat-6185	314	32	"	"	PUNCT
easat-6185	314	33	international	international	ADJ
easat-6185	314	34	journal	journal	NOUN
easat-6185	314	35	of	of	ADP
easat-6185	314	36	financial	financial	ADJ
easat-6185	314	37	studies	study	NOUN
easat-6185	314	38	,	,	PUNCT
easat-6185	314	39	vol	vol	NOUN
easat-6185	314	40	.	.	PROPN
easat-6185	314	41	8	8	NUM
easat-6185	314	42	,	,	PUNCT
easat-6185	314	43	no	no	INTJ
easat-6185	314	44	.	.	NOUN
easat-6185	314	45	4	4	NUM
easat-6185	314	46	,	,	PUNCT
easat-6185	314	47	p.	p.	NOUN
easat-6185	314	48	66	66	NUM
easat-6185	314	49	,	,	PUNCT
easat-6185	314	50	2020	2020	NUM
easat-6185	314	51	.	.	PUNCT
easat-6185	315	1	https://doi.org/10.3390/ijfs8040066	https://doi.org/10.3390/ijfs8040066	PROPN
easat-6185	315	2	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-6185	315	3	https://doi.org/10.13106/jafeb.2020.vol7.no4.329	https://doi.org/10.13106/jafeb.2020.vol7.no4.329	PROPN
easat-6185	315	4	https://doi.org/10.3390/ijfs9040064	https://doi.org/10.3390/ijfs9040064	PROPN
easat-6185	315	5	https://doi.org/10.13106/jafeb.2022.vol9.no6.227	https://doi.org/10.13106/jafeb.2022.vol9.no6.227	PROPN
easat-6185	315	6	https://doi.org/10.1111/jmcb.12600	https://doi.org/10.1111/jmcb.12600	NOUN
easat-6185	315	7	https://doi.org/10.13106/jafeb.2021.vol8.no3.0947	https://doi.org/10.13106/jafeb.2021.vol8.no3.0947	SYM
easat-6185	315	8	https://doi.org/10.1016/j.jfs.2021.100958	https://doi.org/10.1016/j.jfs.2021.100958	X
easat-6185	315	9	https://doi.org/10.1016/j.intfin.2021.101317	https://doi.org/10.1016/j.intfin.2021.101317	VERB
easat-6185	315	10	https://doi.org/10.1016/j.pacfin.2023.101626	https://doi.org/10.1016/j.pacfin.2023.101626	NOUN
easat-6185	315	11	https://doi.org/10.1016/j.ememar.2024.100766	https://doi.org/10.1016/j.ememar.2024.100766	PROPN
easat-6185	315	12	https://doi.org/10.3390/jrfm15010036	https://doi.org/10.3390/jrfm15010036	NOUN
easat-6185	315	13	https://doi.org/10.1016/j.intfin.2020.101217	https://doi.org/10.1016/j.intfin.2020.101217	PROPN
easat-6185	315	14	https://doi.org/10.1111/j.0732-8516.2004.00069.x	https://doi.org/10.1111/j.0732-8516.2004.00069.x	ADJ
easat-6185	315	15	https://doi.org/10.1080/23322039.2021.1963152	https://doi.org/10.1080/23322039.2021.1963152	PROPN
easat-6185	315	16	https://doi.org/10.1016/j.intfin.2014.03.002	https://doi.org/10.1016/j.intfin.2014.03.002	PROPN
easat-6185	315	17	https://doi.org/10.1080/1331677x.2018.1484786	https://doi.org/10.1080/1331677x.2018.1484786	NOUN
easat-6185	315	18	https://doi.org/10.3390/jrfm12020083	https://doi.org/10.3390/jrfm12020083	PROPN
easat-6185	315	19	https://doi.org/10.1177/09726527211010315	https://doi.org/10.1177/09726527211010315	PROPN
easat-6185	315	20	https://doi.org/10.1111/jbfa.12564	https://doi.org/10.1111/jbfa.12564	ADP
easat-6185	315	21	https://doi.org/10.3390/ijfs8040066	https://doi.org/10.3390/ijfs8040066	PROPN
easat-6185	315	22	1130	1130	NUM
easat-6185	315	23	edelweiss	edelweiss	PROPN
easat-6185	315	24	applied	apply	VERB
easat-6185	315	25	science	science	NOUN
easat-6185	315	26	and	and	CCONJ
easat-6185	315	27	technology	technology	NOUN
easat-6185	315	28	issn	issn	PROPN
easat-6185	315	29	:	:	PUNCT
easat-6185	315	30	2576	2576	NUM
easat-6185	315	31	-	-	SYM
easat-6185	315	32	8484	8484	NUM
easat-6185	315	33	vol	vol	NOUN
easat-6185	315	34	.	.	PROPN
easat-6185	316	1	9	9	NUM
easat-6185	316	2	,	,	PUNCT
easat-6185	316	3	no	no	INTJ
easat-6185	316	4	.	.	NOUN
easat-6185	316	5	4	4	NUM
easat-6185	316	6	:	:	SYM
easat-6185	316	7	1120	1120	NUM
easat-6185	316	8	-	-	SYM
easat-6185	316	9	1130	1130	NUM
easat-6185	316	10	,	,	PUNCT
easat-6185	316	11	2025	2025	NUM
easat-6185	316	12	doi	doi	NOUN
easat-6185	316	13	:	:	PUNCT
easat-6185	316	14	10.55214/25768484.v9i4.6185	10.55214/25768484.v9i4.6185	NUM
easat-6185	316	15	©	©	PROPN
easat-6185	316	16	2025	2025	NUM
easat-6185	316	17	by	by	ADP
easat-6185	316	18	the	the	DET
easat-6185	316	19	authors	author	NOUN
easat-6185	316	20	;	;	PUNCT
easat-6185	316	21	licensee	licensee	PROPN
easat-6185	316	22	learning	learning	NOUN
easat-6185	316	23	gate	gate	NOUN
easat-6185	317	1	[	[	X
easat-6185	317	2	22	22	NUM
easat-6185	317	3	]	]	PUNCT
easat-6185	317	4	k.	k.	PROPN
easat-6185	317	5	bougatef	bougatef	PROPN
easat-6185	317	6	,	,	PUNCT
easat-6185	317	7	"	"	PUNCT
easat-6185	317	8	bank	bank	NOUN
easat-6185	317	9	capital	capital	NOUN
easat-6185	317	10	and	and	CCONJ
easat-6185	317	11	lending	lending	NOUN
easat-6185	317	12	behavior	behavior	NOUN
easat-6185	317	13	:	:	PUNCT
easat-6185	317	14	evidence	evidence	NOUN
easat-6185	317	15	from	from	ADP
easat-6185	317	16	the	the	DET
easat-6185	317	17	tunisian	tunisian	ADJ
easat-6185	317	18	banking	banking	NOUN
easat-6185	317	19	sector	sector	NOUN
easat-6185	317	20	,	,	PUNCT
easat-6185	317	21	"	"	PUNCT
easat-6185	317	22	research	research	NOUN
easat-6185	317	23	in	in	ADP
easat-6185	317	24	international	international	ADJ
easat-6185	317	25	business	business	NOUN
easat-6185	317	26	and	and	CCONJ
easat-6185	317	27	finance	finance	NOUN
easat-6185	317	28	,	,	PUNCT
easat-6185	317	29	vol	vol	NOUN
easat-6185	317	30	.	.	PROPN
easat-6185	317	31	46	46	NUM
easat-6185	317	32	,	,	PUNCT
easat-6185	317	33	pp	pp	ADJ
easat-6185	317	34	.	.	PUNCT
easat-6185	318	1	435–444	435–444	NUM
easat-6185	318	2	,	,	PUNCT
easat-6185	318	3	2018	2018	NUM
easat-6185	318	4	.	.	PUNCT
easat-6185	319	1	https://doi.org/10.1016/j.ribaf.2018.04.004	https://doi.org/10.1016/j.ribaf.2018.04.004	X
easat-6185	319	2	[	[	X
easat-6185	319	3	23	23	NUM
easat-6185	319	4	]	]	PUNCT
easat-6185	319	5	a.	a.	NOUN
easat-6185	319	6	dietrich	dietrich	PROPN
easat-6185	319	7	and	and	CCONJ
easat-6185	319	8	g.	g.	PROPN
easat-6185	319	9	wanzenried	wanzenrie	VERB
easat-6185	319	10	,	,	PUNCT
easat-6185	319	11	"	"	PUNCT
easat-6185	319	12	determinants	determinant	NOUN
easat-6185	319	13	of	of	ADP
easat-6185	319	14	bank	bank	NOUN
easat-6185	319	15	profitability	profitability	NOUN
easat-6185	319	16	before	before	ADP
easat-6185	319	17	and	and	CCONJ
easat-6185	319	18	during	during	ADP
easat-6185	319	19	the	the	DET
easat-6185	319	20	crisis	crisis	NOUN
easat-6185	319	21	:	:	PUNCT
easat-6185	319	22	evidence	evidence	NOUN
easat-6185	319	23	from	from	ADP
easat-6185	319	24	switzerland	switzerland	PROPN
easat-6185	319	25	,	,	PUNCT
easat-6185	319	26	"	"	PUNCT
easat-6185	319	27	journal	journal	NOUN
easat-6185	319	28	of	of	ADP
easat-6185	319	29	international	international	ADJ
easat-6185	319	30	financial	financial	ADJ
easat-6185	319	31	markets	market	NOUN
easat-6185	319	32	,	,	PUNCT
easat-6185	319	33	institutions	institution	NOUN
easat-6185	319	34	and	and	CCONJ
easat-6185	319	35	money	money	NOUN
easat-6185	319	36	,	,	PUNCT
easat-6185	319	37	vol	vol	NOUN
easat-6185	319	38	.	.	PROPN
easat-6185	319	39	21	21	NUM
easat-6185	319	40	,	,	PUNCT
easat-6185	319	41	no	no	INTJ
easat-6185	319	42	.	.	NOUN
easat-6185	320	1	3	3	NUM
easat-6185	320	2	,	,	PUNCT
easat-6185	320	3	pp	pp	ADJ
easat-6185	320	4	.	.	PUNCT
easat-6185	321	1	307	307	NUM
easat-6185	321	2	-	-	SYM
easat-6185	321	3	327	327	NUM
easat-6185	321	4	,	,	PUNCT
easat-6185	321	5	2011	2011	NUM
easat-6185	321	6	.	.	PUNCT
easat-6185	322	1	https://doi.org/10.1016/j.intfin.2013.07.002	https://doi.org/10.1016/j.intfin.2013.07.002	PRON
easat-6185	322	2	[	[	X
easat-6185	322	3	24	24	NUM
easat-6185	322	4	]	]	PUNCT
easat-6185	322	5	a.	a.	PROPN
easat-6185	322	6	h.	h.	PROPN
easat-6185	322	7	m.	m.	PROPN
easat-6185	322	8	noman	noman	PROPN
easat-6185	322	9	,	,	PUNCT
easat-6185	322	10	m.	m.	NOUN
easat-6185	322	11	s.	s.	PROPN
easat-6185	322	12	uddin	uddin	PROPN
easat-6185	322	13	,	,	PUNCT
easat-6185	322	14	and	and	CCONJ
easat-6185	322	15	m.	m.	PROPN
easat-6185	322	16	a.	a.	PROPN
easat-6185	322	17	f.	f.	PROPN
easat-6185	322	18	chowdhury	chowdhury	PROPN
easat-6185	322	19	,	,	PUNCT
easat-6185	322	20	"	"	PUNCT
easat-6185	322	21	the	the	DET
easat-6185	322	22	impact	impact	NOUN
easat-6185	322	23	of	of	ADP
easat-6185	322	24	capital	capital	NOUN
easat-6185	322	25	adequacy	adequacy	NOUN
easat-6185	322	26	,	,	PUNCT
easat-6185	322	27	asset	asset	NOUN
easat-6185	322	28	quality	quality	NOUN
easat-6185	322	29	,	,	PUNCT
easat-6185	322	30	management	management	NOUN
easat-6185	322	31	efficiency	efficiency	NOUN
easat-6185	322	32	,	,	PUNCT
easat-6185	322	33	earning	earn	VERB
easat-6185	322	34	quality	quality	NOUN
easat-6185	322	35	and	and	CCONJ
easat-6185	322	36	liquidity	liquidity	NOUN
easat-6185	322	37	on	on	ADP
easat-6185	322	38	bank	bank	NOUN
easat-6185	322	39	profitability	profitability	NOUN
easat-6185	322	40	:	:	PUNCT
easat-6185	322	41	evidence	evidence	NOUN
easat-6185	322	42	from	from	ADP
easat-6185	322	43	bangladesh	bangladesh	NOUN
easat-6185	322	44	,	,	PUNCT
easat-6185	322	45	"	"	PUNCT
easat-6185	322	46	asian	asian	ADJ
easat-6185	322	47	journal	journal	NOUN
easat-6185	322	48	of	of	ADP
easat-6185	322	49	accounting	accounting	NOUN
easat-6185	322	50	research	research	NOUN
easat-6185	322	51	,	,	PUNCT
easat-6185	322	52	vol	vol	NOUN
easat-6185	322	53	.	.	PROPN
easat-6185	322	54	4	4	NUM
easat-6185	322	55	,	,	PUNCT
easat-6185	322	56	no	no	INTJ
easat-6185	322	57	.	.	NOUN
easat-6185	322	58	1	1	NUM
easat-6185	322	59	,	,	PUNCT
easat-6185	322	60	pp	pp	ADJ
easat-6185	322	61	.	.	PUNCT
easat-6185	323	1	28	28	NUM
easat-6185	323	2	-	-	SYM
easat-6185	323	3	45	45	NUM
easat-6185	323	4	,	,	PUNCT
easat-6185	323	5	2019	2019	NUM
easat-6185	323	6	.	.	PUNCT
easat-6185	324	1	[	[	X
easat-6185	324	2	25	25	NUM
easat-6185	324	3	]	]	X
easat-6185	324	4	d.	d.	PROPN
easat-6185	324	5	p.	p.	PROPN
easat-6185	324	6	louzis	louzis	PROPN
easat-6185	324	7	,	,	PUNCT
easat-6185	324	8	a.	a.	NOUN
easat-6185	324	9	t.	t.	PROPN
easat-6185	324	10	vouldis	vouldis	PROPN
easat-6185	324	11	,	,	PUNCT
easat-6185	324	12	and	and	CCONJ
easat-6185	324	13	v.	v.	ADP
easat-6185	324	14	l.	l.	PROPN
easat-6185	324	15	metaxas	metaxas	PROPN
easat-6185	324	16	,	,	PUNCT
easat-6185	324	17	"	"	PUNCT
easat-6185	324	18	macroeconomic	macroeconomic	ADJ
easat-6185	324	19	and	and	CCONJ
easat-6185	324	20	bank	bank	NOUN
easat-6185	324	21	-	-	PUNCT
easat-6185	324	22	specific	specific	ADJ
easat-6185	324	23	determinants	determinant	NOUN
easat-6185	324	24	of	of	ADP
easat-6185	324	25	non	non	ADJ
easat-6185	324	26	-	-	ADJ
easat-6185	324	27	performing	performing	ADJ
easat-6185	324	28	loans	loan	NOUN
easat-6185	324	29	in	in	ADP
easat-6185	324	30	greece	greece	PROPN
easat-6185	324	31	:	:	PUNCT
easat-6185	324	32	a	a	DET
easat-6185	324	33	comparative	comparative	ADJ
easat-6185	324	34	study	study	NOUN
easat-6185	324	35	of	of	ADP
easat-6185	324	36	mortgage	mortgage	NOUN
easat-6185	324	37	,	,	PUNCT
easat-6185	324	38	business	business	NOUN
easat-6185	324	39	and	and	CCONJ
easat-6185	324	40	consumer	consumer	NOUN
easat-6185	324	41	loan	loan	NOUN
easat-6185	324	42	portfolios	portfolio	NOUN
easat-6185	324	43	,	,	PUNCT
easat-6185	324	44	"	"	PUNCT
easat-6185	324	45	journal	journal	NOUN
easat-6185	324	46	of	of	ADP
easat-6185	324	47	banking	banking	NOUN
easat-6185	324	48	&	&	CCONJ
easat-6185	324	49	finance	finance	PROPN
easat-6185	324	50	,	,	PUNCT
easat-6185	324	51	vol	vol	NOUN
easat-6185	324	52	.	.	PROPN
easat-6185	325	1	36	36	NUM
easat-6185	325	2	,	,	PUNCT
easat-6185	325	3	no	no	INTJ
easat-6185	325	4	.	.	NOUN
easat-6185	325	5	4	4	NUM
easat-6185	325	6	,	,	PUNCT
easat-6185	325	7	pp	pp	ADJ
easat-6185	325	8	.	.	PUNCT
easat-6185	325	9	1012	1012	NUM
easat-6185	325	10	-	-	SYM
easat-6185	325	11	1027	1027	NUM
easat-6185	325	12	,	,	PUNCT
easat-6185	325	13	2012	2012	NUM
easat-6185	325	14	.	.	PUNCT
easat-6185	326	1	https://doi.org/10.1016/j.jbankfin.2011.10.012	https://doi.org/10.1016/j.jbankfin.2011.10.012	PROPN
easat-6185	326	2	https://doi.org/10.1016/j.ribaf.2018.04.004	https://doi.org/10.1016/j.ribaf.2018.04.004	PROPN
easat-6185	326	3	https://doi.org/10.1016/j.intfin.2013.07.002	https://doi.org/10.1016/j.intfin.2013.07.002	VERB
easat-6185	326	4	https://doi.org/10.1016/j.jbankfin.2011.10.012	https://doi.org/10.1016/j.jbankfin.2011.10.012	NOUN