id	sid	tid	token	lemma	pos
easat-6931	1	1	edelweiss	edelweiss	PROPN
easat-6931	1	2	applied	apply	VERB
easat-6931	1	3	science	science	NOUN
easat-6931	1	4	and	and	CCONJ
easat-6931	1	5	technology	technology	NOUN
easat-6931	1	6	issn	issn	PROPN
easat-6931	1	7	:	:	PUNCT
easat-6931	1	8	2576	2576	NUM
easat-6931	1	9	-	-	SYM
easat-6931	1	10	8484	8484	NUM
easat-6931	1	11	vol	vol	NOUN
easat-6931	1	12	.	.	PROPN
easat-6931	2	1	9	9	NUM
easat-6931	2	2	,	,	PUNCT
easat-6931	2	3	no	no	INTJ
easat-6931	2	4	.	.	NOUN
easat-6931	2	5	5	5	NUM
easat-6931	2	6	,	,	PUNCT
easat-6931	2	7	524	524	NUM
easat-6931	2	8	-	-	SYM
easat-6931	2	9	536	536	NUM
easat-6931	2	10	2025	2025	NUM
easat-6931	2	11	publisher	publisher	NOUN
easat-6931	2	12	:	:	PUNCT
easat-6931	2	13	learning	learn	VERB
easat-6931	2	14	gate	gate	NOUN
easat-6931	2	15	doi	doi	PROPN
easat-6931	2	16	:	:	PUNCT
easat-6931	2	17	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	2	18	©	©	PROPN
easat-6931	2	19	2025	2025	NUM
easat-6931	2	20	by	by	ADP
easat-6931	2	21	the	the	DET
easat-6931	2	22	authors	author	NOUN
easat-6931	2	23	;	;	PUNCT
easat-6931	2	24	licensee	licensee	PROPN
easat-6931	2	25	learning	learning	NOUN
easat-6931	2	26	gate	gate	NOUN
easat-6931	3	1	©	©	PROPN
easat-6931	3	2	2025	2025	NUM
easat-6931	3	3	by	by	ADP
easat-6931	3	4	the	the	DET
easat-6931	3	5	authors	author	NOUN
easat-6931	3	6	;	;	PUNCT
easat-6931	3	7	licensee	licensee	PROPN
easat-6931	3	8	learning	learning	NOUN
easat-6931	3	9	gate	gate	NOUN
easat-6931	3	10	history	history	NOUN
easat-6931	3	11	:	:	PUNCT
easat-6931	3	12	received	receive	VERB
easat-6931	3	13	:	:	PUNCT
easat-6931	3	14	3	3	NUM
easat-6931	3	15	march	march	NOUN
easat-6931	3	16	2025	2025	NUM
easat-6931	3	17	;	;	PUNCT
easat-6931	3	18	revised	revise	VERB
easat-6931	3	19	:	:	PUNCT
easat-6931	3	20	10	10	NUM
easat-6931	3	21	april	april	PROPN
easat-6931	3	22	2025	2025	NUM
easat-6931	3	23	;	;	PUNCT
easat-6931	3	24	accepted	accept	VERB
easat-6931	3	25	:	:	PUNCT
easat-6931	3	26	14	14	NUM
easat-6931	3	27	april	april	PROPN
easat-6931	3	28	2025	2025	NUM
easat-6931	3	29	;	;	PUNCT
easat-6931	3	30	published	publish	VERB
easat-6931	3	31	:	:	PUNCT
easat-6931	4	1	6	6	NUM
easat-6931	4	2	may	may	PROPN
easat-6931	4	3	2025	2025	NUM
easat-6931	4	4	*	*	PUNCT
easat-6931	4	5	correspondence	correspondence	NOUN
easat-6931	4	6	:	:	PUNCT
easat-6931	4	7	chivm@hvnh.deu.vn	chivm@hvnh.deu.vn	ADJ
easat-6931	4	8	quantitative	quantitative	ADJ
easat-6931	4	9	modeling	modeling	NOUN
easat-6931	4	10	of	of	ADP
easat-6931	4	11	the	the	DET
easat-6931	4	12	relationship	relationship	NOUN
easat-6931	4	13	between	between	ADP
easat-6931	4	14	basel	basel	PROPN
easat-6931	4	15	iii	iii	PROPN
easat-6931	4	16	capital	capital	NOUN
easat-6931	4	17	buffers	buffer	NOUN
easat-6931	4	18	and	and	CCONJ
easat-6931	4	19	key	key	ADJ
easat-6931	4	20	strategic	strategic	ADJ
easat-6931	4	21	solutions	solution	NOUN
easat-6931	4	22	:	:	PUNCT
easat-6931	4	23	a	a	DET
easat-6931	4	24	case	case	NOUN
easat-6931	4	25	study	study	NOUN
easat-6931	4	26	of	of	ADP
easat-6931	4	27	commercial	commercial	ADJ
easat-6931	4	28	banks	bank	NOUN
easat-6931	4	29	in	in	ADP
easat-6931	4	30	vietnam	vietnam	PROPN
easat-6931	4	31	khuong	khuong	PROPN
easat-6931	4	32	nguyen1	nguyen1	PROPN
easat-6931	4	33	,	,	PUNCT
easat-6931	4	34	mai	mai	PROPN
easat-6931	4	35	chi	chi	PROPN
easat-6931	4	36	vu2	vu2	PROPN
easat-6931	4	37	*	*	NOUN
easat-6931	4	38	,	,	PUNCT
easat-6931	4	39	thu	thu	PROPN
easat-6931	4	40	huong	huong	PROPN
easat-6931	4	41	nguyen3	nguyen3	NOUN
easat-6931	5	1	1,3monetary	1,3monetary	NUM
easat-6931	5	2	and	and	CCONJ
easat-6931	5	3	financial	financial	ADJ
easat-6931	5	4	stability	stability	NOUN
easat-6931	5	5	department	department	NOUN
easat-6931	5	6	,	,	PUNCT
easat-6931	5	7	state	state	NOUN
easat-6931	5	8	bank	bank	PROPN
easat-6931	5	9	of	of	ADP
easat-6931	5	10	vietnam	vietnam	PROPN
easat-6931	5	11	,	,	PUNCT
easat-6931	5	12	hanoi	hanoi	PROPN
easat-6931	5	13	,	,	PUNCT
easat-6931	5	14	vietnam	vietnam	PROPN
easat-6931	5	15	.	.	PUNCT
easat-6931	6	1	2banking	2banking	NUM
easat-6931	6	2	faculty	faculty	NOUN
easat-6931	6	3	,	,	PUNCT
easat-6931	6	4	banking	banking	NOUN
easat-6931	6	5	academy	academy	PROPN
easat-6931	6	6	of	of	ADP
easat-6931	6	7	vietnam	vietnam	PROPN
easat-6931	6	8	,	,	PUNCT
easat-6931	6	9	hanoi	hanoi	PROPN
easat-6931	6	10	,	,	PUNCT
easat-6931	6	11	vietnam	vietnam	PROPN
easat-6931	6	12	;	;	PUNCT
easat-6931	6	13	chivm@hvnh.deu.vn	chivm@hvnh.deu.vn	ADJ
easat-6931	6	14	(	(	PUNCT
easat-6931	6	15	m.c.v	m.c.v	NOUN
easat-6931	6	16	.	.	PUNCT
easat-6931	6	17	)	)	PUNCT
easat-6931	6	18	.	.	PUNCT
easat-6931	7	1	abstract	abstract	ADV
easat-6931	7	2	:	:	PUNCT
easat-6931	7	3	the	the	DET
easat-6931	7	4	basel	basel	PROPN
easat-6931	7	5	iii	iii	PROPN
easat-6931	7	6	capital	capital	NOUN
easat-6931	7	7	buffers	buffer	NOUN
easat-6931	7	8	were	be	AUX
easat-6931	7	9	introduced	introduce	VERB
easat-6931	7	10	by	by	ADP
easat-6931	7	11	the	the	DET
easat-6931	7	12	basel	basel	PROPN
easat-6931	7	13	committee	committee	PROPN
easat-6931	7	14	on	on	ADP
easat-6931	7	15	banking	banking	NOUN
easat-6931	7	16	supervision	supervision	NOUN
easat-6931	7	17	after	after	ADP
easat-6931	7	18	the	the	DET
easat-6931	7	19	2008	2008	NUM
easat-6931	7	20	global	global	ADJ
easat-6931	7	21	financial	financial	ADJ
easat-6931	7	22	crisis	crisis	NOUN
easat-6931	7	23	to	to	PART
easat-6931	7	24	strengthen	strengthen	VERB
easat-6931	7	25	global	global	ADJ
easat-6931	7	26	bank	bank	NOUN
easat-6931	7	27	stability	stability	NOUN
easat-6931	7	28	by	by	ADP
easat-6931	7	29	providing	provide	VERB
easat-6931	7	30	additional	additional	ADJ
easat-6931	7	31	capital	capital	NOUN
easat-6931	7	32	layers	layer	NOUN
easat-6931	7	33	that	that	PRON
easat-6931	7	34	can	can	AUX
easat-6931	7	35	absorb	absorb	VERB
easat-6931	7	36	potential	potential	ADJ
easat-6931	7	37	losses	loss	NOUN
easat-6931	7	38	and	and	CCONJ
easat-6931	7	39	manage	manage	VERB
easat-6931	7	40	excessive	excessive	ADJ
easat-6931	7	41	credit	credit	NOUN
easat-6931	7	42	growth	growth	NOUN
easat-6931	7	43	.	.	PUNCT
easat-6931	8	1	in	in	ADP
easat-6931	8	2	vietnam	vietnam	PROPN
easat-6931	8	3	,	,	PUNCT
easat-6931	8	4	the	the	DET
easat-6931	8	5	implementation	implementation	NOUN
easat-6931	8	6	of	of	ADP
easat-6931	8	7	these	these	DET
easat-6931	8	8	buffers	buffer	NOUN
easat-6931	8	9	has	have	AUX
easat-6931	8	10	presented	present	VERB
easat-6931	8	11	considerable	considerable	ADJ
easat-6931	8	12	challenges	challenge	NOUN
easat-6931	8	13	,	,	PUNCT
easat-6931	8	14	especially	especially	ADV
easat-6931	8	15	for	for	ADP
easat-6931	8	16	commercial	commercial	ADJ
easat-6931	8	17	banks	bank	NOUN
easat-6931	8	18	,	,	PUNCT
easat-6931	8	19	where	where	SCONJ
easat-6931	8	20	tailored	tailor	VERB
easat-6931	8	21	solutions	solution	NOUN
easat-6931	8	22	must	must	AUX
easat-6931	8	23	be	be	AUX
easat-6931	8	24	customized	customize	VERB
easat-6931	8	25	to	to	PART
easat-6931	8	26	align	align	VERB
easat-6931	8	27	with	with	ADP
easat-6931	8	28	the	the	DET
easat-6931	8	29	unique	unique	ADJ
easat-6931	8	30	scale	scale	NOUN
easat-6931	8	31	,	,	PUNCT
easat-6931	8	32	structure	structure	NOUN
easat-6931	8	33	,	,	PUNCT
easat-6931	8	34	and	and	CCONJ
easat-6931	8	35	characteristics	characteristic	NOUN
easat-6931	8	36	of	of	ADP
easat-6931	8	37	each	each	DET
easat-6931	8	38	institution	institution	NOUN
easat-6931	8	39	.	.	PUNCT
easat-6931	9	1	this	this	DET
easat-6931	9	2	article	article	NOUN
easat-6931	9	3	examines	examine	VERB
easat-6931	9	4	the	the	DET
easat-6931	9	5	impact	impact	NOUN
easat-6931	9	6	of	of	ADP
easat-6931	9	7	various	various	ADJ
easat-6931	9	8	strategic	strategic	ADJ
easat-6931	9	9	approaches	approach	NOUN
easat-6931	9	10	on	on	ADP
easat-6931	9	11	implementing	implement	VERB
easat-6931	9	12	basel	basel	PROPN
easat-6931	9	13	iii	iii	PROPN
easat-6931	9	14	capital	capital	NOUN
easat-6931	9	15	buffers	buffer	NOUN
easat-6931	9	16	in	in	ADP
easat-6931	9	17	vietnamese	vietnamese	ADJ
easat-6931	9	18	commercial	commercial	ADJ
easat-6931	9	19	banks	bank	NOUN
easat-6931	9	20	.	.	PUNCT
easat-6931	10	1	the	the	DET
easat-6931	10	2	regression	regression	NOUN
easat-6931	10	3	research	research	NOUN
easat-6931	10	4	model	model	NOUN
easat-6931	10	5	employs	employ	VERB
easat-6931	10	6	a	a	DET
easat-6931	10	7	5	5	NUM
easat-6931	10	8	-	-	PUNCT
easat-6931	10	9	level	level	NOUN
easat-6931	10	10	likert	likert	ADJ
easat-6931	10	11	scale	scale	NOUN
easat-6931	10	12	,	,	PUNCT
easat-6931	10	13	using	use	VERB
easat-6931	10	14	a	a	DET
easat-6931	10	15	questionnaire	questionnaire	NOUN
easat-6931	10	16	of	of	ADP
easat-6931	10	17	6	6	NUM
easat-6931	10	18	variables	variable	NOUN
easat-6931	10	19	representing	represent	VERB
easat-6931	10	20	40	40	NUM
easat-6931	10	21	distinct	distinct	ADJ
easat-6931	10	22	indicators	indicator	NOUN
easat-6931	10	23	,	,	PUNCT
easat-6931	10	24	in	in	ADP
easat-6931	10	25	a	a	DET
easat-6931	10	26	survey	survey	NOUN
easat-6931	10	27	conducted	conduct	VERB
easat-6931	10	28	across	across	ADP
easat-6931	10	29	115	115	NUM
easat-6931	10	30	banking	banking	NOUN
easat-6931	10	31	institutions	institution	NOUN
easat-6931	10	32	in	in	ADP
easat-6931	10	33	vietnam	vietnam	PROPN
easat-6931	10	34	.	.	PUNCT
easat-6931	11	1	the	the	DET
easat-6931	11	2	findings	finding	NOUN
easat-6931	11	3	reveal	reveal	VERB
easat-6931	11	4	that	that	SCONJ
easat-6931	11	5	strategies	strategy	NOUN
easat-6931	11	6	for	for	ADP
easat-6931	11	7	capital	capital	NOUN
easat-6931	11	8	increases	increase	NOUN
easat-6931	11	9	through	through	ADP
easat-6931	11	10	securities	security	NOUN
easat-6931	11	11	issuance	issuance	NOUN
easat-6931	11	12	,	,	PUNCT
easat-6931	11	13	reinvestment	reinvestment	NOUN
easat-6931	11	14	from	from	ADP
easat-6931	11	15	business	business	NOUN
easat-6931	11	16	activities	activity	NOUN
easat-6931	11	17	,	,	PUNCT
easat-6931	11	18	and	and	CCONJ
easat-6931	11	19	system	system	NOUN
easat-6931	11	20	upgrades	upgrade	NOUN
easat-6931	11	21	significantly	significantly	ADV
easat-6931	11	22	influence	influence	NOUN
easat-6931	11	23	buffer	buffer	NOUN
easat-6931	11	24	implementation	implementation	NOUN
easat-6931	11	25	.	.	PUNCT
easat-6931	12	1	securities	security	NOUN
easat-6931	12	2	-	-	PUNCT
easat-6931	12	3	related	relate	VERB
easat-6931	12	4	capital	capital	NOUN
easat-6931	12	5	increases	increase	NOUN
easat-6931	12	6	have	have	VERB
easat-6931	12	7	the	the	DET
easat-6931	12	8	most	most	ADV
easat-6931	12	9	significant	significant	ADJ
easat-6931	12	10	effect	effect	NOUN
easat-6931	12	11	,	,	PUNCT
easat-6931	12	12	followed	follow	VERB
easat-6931	12	13	by	by	ADP
easat-6931	12	14	system	system	NOUN
easat-6931	12	15	upgrades	upgrade	NOUN
easat-6931	12	16	and	and	CCONJ
easat-6931	12	17	business	business	NOUN
easat-6931	12	18	reinvestment	reinvestment	NOUN
easat-6931	12	19	.	.	PUNCT
easat-6931	13	1	in	in	ADP
easat-6931	13	2	contrast	contrast	NOUN
easat-6931	13	3	,	,	PUNCT
easat-6931	13	4	delays	delay	NOUN
easat-6931	13	5	in	in	ADP
easat-6931	13	6	state	state	NOUN
easat-6931	13	7	capital	capital	NOUN
easat-6931	13	8	injections	injection	NOUN
easat-6931	13	9	and	and	CCONJ
easat-6931	13	10	persistent	persistent	ADJ
easat-6931	13	11	operational	operational	ADJ
easat-6931	13	12	challenges	challenge	NOUN
easat-6931	13	13	hinder	hinder	VERB
easat-6931	13	14	progress	progress	NOUN
easat-6931	13	15	.	.	PUNCT
easat-6931	14	1	the	the	DET
easat-6931	14	2	study	study	NOUN
easat-6931	14	3	offers	offer	VERB
easat-6931	14	4	practical	practical	ADJ
easat-6931	14	5	recommendations	recommendation	NOUN
easat-6931	14	6	to	to	PART
easat-6931	14	7	enhance	enhance	VERB
easat-6931	14	8	basel	basel	PROPN
easat-6931	14	9	iii	iii	PROPN
easat-6931	14	10	compliance	compliance	NOUN
easat-6931	14	11	in	in	ADP
easat-6931	14	12	vietnam	vietnam	PROPN
easat-6931	14	13	by	by	ADP
easat-6931	14	14	optimizing	optimize	VERB
easat-6931	14	15	capital	capital	NOUN
easat-6931	14	16	management	management	NOUN
easat-6931	14	17	strategies	strategy	NOUN
easat-6931	14	18	and	and	CCONJ
easat-6931	14	19	addressing	address	VERB
easat-6931	14	20	key	key	ADJ
easat-6931	14	21	implementation	implementation	NOUN
easat-6931	14	22	barriers	barrier	NOUN
easat-6931	14	23	to	to	PART
easat-6931	14	24	ensure	ensure	VERB
easat-6931	14	25	the	the	DET
easat-6931	14	26	long	long	ADJ
easat-6931	14	27	-	-	PUNCT
easat-6931	14	28	term	term	NOUN
easat-6931	14	29	resilience	resilience	NOUN
easat-6931	14	30	of	of	ADP
easat-6931	14	31	the	the	DET
easat-6931	14	32	banking	banking	NOUN
easat-6931	14	33	sector	sector	NOUN
easat-6931	14	34	.	.	PUNCT
easat-6931	15	1	keywords	keyword	NOUN
easat-6931	15	2	:	:	PUNCT
easat-6931	15	3	basel	basel	PROPN
easat-6931	15	4	iii	iii	PROPN
easat-6931	15	5	capital	capital	NOUN
easat-6931	15	6	buffer	buffer	NOUN
easat-6931	15	7	,	,	PUNCT
easat-6931	15	8	basel	basel	PROPN
easat-6931	15	9	iii	iii	NUM
easat-6931	15	10	implementation	implementation	NOUN
easat-6931	15	11	,	,	PUNCT
easat-6931	15	12	capital	capital	NOUN
easat-6931	15	13	conservation	conservation	NOUN
easat-6931	15	14	buffer	buffer	NOUN
easat-6931	15	15	,	,	PUNCT
easat-6931	15	16	vietnam	vietnam	PROPN
easat-6931	15	17	.	.	PUNCT
easat-6931	16	1	1	1	X
easat-6931	16	2	.	.	X
easat-6931	16	3	introduction	introduction	NOUN
easat-6931	16	4	capital	capital	NOUN
easat-6931	16	5	buffers	buffer	NOUN
easat-6931	16	6	are	be	AUX
easat-6931	16	7	a	a	DET
easat-6931	16	8	fundamental	fundamental	ADJ
easat-6931	16	9	aspect	aspect	NOUN
easat-6931	16	10	of	of	ADP
easat-6931	16	11	the	the	DET
easat-6931	16	12	basel	basel	PROPN
easat-6931	16	13	iii	iii	PROPN
easat-6931	16	14	reforms	reform	NOUN
easat-6931	16	15	introduced	introduce	VERB
easat-6931	16	16	by	by	ADP
easat-6931	16	17	the	the	DET
easat-6931	16	18	basel	basel	PROPN
easat-6931	16	19	committee	committee	PROPN
easat-6931	16	20	on	on	ADP
easat-6931	16	21	banking	banking	NOUN
easat-6931	16	22	supervision	supervision	NOUN
easat-6931	16	23	(	(	PUNCT
easat-6931	16	24	bcbs	bcbs	PROPN
easat-6931	16	25	)	)	PUNCT
easat-6931	16	26	in	in	ADP
easat-6931	16	27	response	response	NOUN
easat-6931	16	28	to	to	ADP
easat-6931	16	29	the	the	DET
easat-6931	16	30	2008	2008	NUM
easat-6931	16	31	global	global	ADJ
easat-6931	16	32	financial	financial	ADJ
easat-6931	16	33	crisis	crisis	NOUN
easat-6931	16	34	.	.	PUNCT
easat-6931	17	1	the	the	DET
easat-6931	17	2	capital	capital	NOUN
easat-6931	17	3	conservation	conservation	NOUN
easat-6931	17	4	buffer	buffer	NOUN
easat-6931	17	5	(	(	PUNCT
easat-6931	17	6	ccob	ccob	NOUN
easat-6931	17	7	)	)	PUNCT
easat-6931	17	8	provides	provide	VERB
easat-6931	17	9	banks	bank	NOUN
easat-6931	17	10	with	with	ADP
easat-6931	17	11	an	an	DET
easat-6931	17	12	additional	additional	ADJ
easat-6931	17	13	capital	capital	NOUN
easat-6931	17	14	cushion	cushion	NOUN
easat-6931	17	15	to	to	PART
easat-6931	17	16	absorb	absorb	VERB
easat-6931	17	17	potential	potential	ADJ
easat-6931	17	18	losses	loss	NOUN
easat-6931	17	19	during	during	ADP
easat-6931	17	20	periods	period	NOUN
easat-6931	17	21	of	of	ADP
easat-6931	17	22	economic	economic	ADJ
easat-6931	17	23	distress	distress	NOUN
easat-6931	17	24	.	.	PUNCT
easat-6931	18	1	the	the	DET
easat-6931	18	2	countercyclical	countercyclical	ADJ
easat-6931	18	3	capital	capital	NOUN
easat-6931	18	4	buffer	buffer	NOUN
easat-6931	18	5	(	(	PUNCT
easat-6931	18	6	ccyb	ccyb	NOUN
easat-6931	18	7	)	)	PUNCT
easat-6931	18	8	supports	support	VERB
easat-6931	18	9	macroprudential	macroprudential	ADJ
easat-6931	18	10	goals	goal	NOUN
easat-6931	18	11	by	by	ADP
easat-6931	18	12	helping	help	VERB
easat-6931	18	13	banks	bank	NOUN
easat-6931	18	14	manage	manage	VERB
easat-6931	18	15	systemic	systemic	ADJ
easat-6931	18	16	risks	risk	NOUN
easat-6931	18	17	arising	arise	VERB
easat-6931	18	18	from	from	ADP
easat-6931	18	19	excessive	excessive	ADJ
easat-6931	18	20	credit	credit	NOUN
easat-6931	18	21	growth	growth	NOUN
easat-6931	18	22	in	in	ADP
easat-6931	18	23	the	the	DET
easat-6931	18	24	financial	financial	ADJ
easat-6931	18	25	system	system	NOUN
easat-6931	18	26	.	.	PUNCT
easat-6931	19	1	moreover	moreover	ADV
easat-6931	19	2	,	,	PUNCT
easat-6931	19	3	the	the	DET
easat-6931	19	4	buffers	buffer	NOUN
easat-6931	19	5	for	for	ADP
easat-6931	19	6	global	global	ADJ
easat-6931	19	7	systemically	systemically	ADV
easat-6931	19	8	important	important	ADJ
easat-6931	19	9	banks	bank	NOUN
easat-6931	19	10	(	(	PUNCT
easat-6931	19	11	gsibs	gsibs	PROPN
easat-6931	19	12	)	)	PUNCT
easat-6931	19	13	and	and	CCONJ
easat-6931	19	14	domestic	domestic	ADJ
easat-6931	19	15	systemically	systemically	ADV
easat-6931	19	16	important	important	ADJ
easat-6931	19	17	banks	bank	NOUN
easat-6931	19	18	(	(	PUNCT
easat-6931	19	19	dsibs	dsib	NOUN
easat-6931	19	20	)	)	PUNCT
easat-6931	19	21	impose	impose	VERB
easat-6931	19	22	higher	high	ADJ
easat-6931	19	23	total	total	ADJ
easat-6931	19	24	loss	loss	NOUN
easat-6931	19	25	-	-	PUNCT
easat-6931	19	26	absorbing	absorbing	ADJ
easat-6931	19	27	capacity	capacity	NOUN
easat-6931	19	28	requirements	requirement	NOUN
easat-6931	19	29	,	,	PUNCT
easat-6931	19	30	mitigating	mitigate	VERB
easat-6931	19	31	risks	risk	NOUN
easat-6931	19	32	at	at	ADP
easat-6931	19	33	both	both	CCONJ
easat-6931	19	34	global	global	ADJ
easat-6931	19	35	and	and	CCONJ
easat-6931	19	36	domestic	domestic	ADJ
easat-6931	19	37	levels	level	NOUN
easat-6931	19	38	.	.	PUNCT
easat-6931	20	1	to	to	PART
easat-6931	20	2	implement	implement	VERB
easat-6931	20	3	these	these	DET
easat-6931	20	4	capital	capital	NOUN
easat-6931	20	5	buffers	buffer	NOUN
easat-6931	20	6	,	,	PUNCT
easat-6931	20	7	banks	bank	NOUN
easat-6931	20	8	worldwide	worldwide	ADV
easat-6931	20	9	have	have	AUX
easat-6931	20	10	adopted	adopt	VERB
easat-6931	20	11	tailored	tailor	VERB
easat-6931	20	12	solutions	solution	NOUN
easat-6931	20	13	suited	suit	VERB
easat-6931	20	14	to	to	ADP
easat-6931	20	15	their	their	PRON
easat-6931	20	16	specific	specific	ADJ
easat-6931	20	17	characteristics	characteristic	NOUN
easat-6931	20	18	and	and	CCONJ
easat-6931	20	19	scale	scale	NOUN
easat-6931	20	20	,	,	PUNCT
easat-6931	20	21	in	in	ADP
easat-6931	20	22	alignment	alignment	NOUN
easat-6931	20	23	with	with	ADP
easat-6931	20	24	technical	technical	ADJ
easat-6931	20	25	guidelines	guideline	NOUN
easat-6931	20	26	from	from	ADP
easat-6931	20	27	the	the	DET
easat-6931	20	28	bank	bank	NOUN
easat-6931	20	29	for	for	ADP
easat-6931	20	30	international	international	ADJ
easat-6931	20	31	settlements	settlement	NOUN
easat-6931	20	32	(	(	PUNCT
easat-6931	20	33	bis	bis	ADJ
easat-6931	20	34	)	)	PUNCT
easat-6931	20	35	,	,	PUNCT
easat-6931	20	36	legal	legal	ADJ
easat-6931	20	37	regulations	regulation	NOUN
easat-6931	20	38	,	,	PUNCT
easat-6931	20	39	and	and	CCONJ
easat-6931	20	40	the	the	DET
easat-6931	20	41	infrastructural	infrastructural	ADJ
easat-6931	20	42	capabilities	capability	NOUN
easat-6931	20	43	of	of	ADP
easat-6931	20	44	their	their	PRON
easat-6931	20	45	respective	respective	ADJ
easat-6931	20	46	banking	banking	NOUN
easat-6931	20	47	systems	system	NOUN
easat-6931	20	48	.	.	PUNCT
easat-6931	21	1	in	in	ADP
easat-6931	21	2	vietnam	vietnam	PROPN
easat-6931	21	3	,	,	PUNCT
easat-6931	21	4	banks	bank	NOUN
easat-6931	21	5	have	have	AUX
easat-6931	21	6	also	also	ADV
easat-6931	21	7	implemented	implement	VERB
easat-6931	21	8	basel	basel	PROPN
easat-6931	21	9	iii	iii	PROPN
easat-6931	21	10	capital	capital	NOUN
easat-6931	21	11	buffers	buffer	NOUN
easat-6931	21	12	to	to	PART
easat-6931	21	13	enhance	enhance	VERB
easat-6931	21	14	their	their	PRON
easat-6931	21	15	resilience	resilience	NOUN
easat-6931	21	16	against	against	ADP
easat-6931	21	17	financial	financial	ADJ
easat-6931	21	18	shocks	shock	NOUN
easat-6931	21	19	and	and	CCONJ
easat-6931	21	20	crises	crisis	NOUN
easat-6931	21	21	.	.	PUNCT
easat-6931	22	1	however	however	ADV
easat-6931	22	2	,	,	PUNCT
easat-6931	22	3	the	the	DET
easat-6931	22	4	complexity	complexity	NOUN
easat-6931	22	5	of	of	ADP
easat-6931	22	6	the	the	DET
easat-6931	22	7	calculation	calculation	NOUN
easat-6931	22	8	methods	method	NOUN
easat-6931	22	9	,	,	PUNCT
easat-6931	22	10	constrained	constrained	ADJ
easat-6931	22	11	resources	resource	NOUN
easat-6931	22	12	,	,	PUNCT
easat-6931	22	13	and	and	CCONJ
easat-6931	22	14	divergent	divergent	ADJ
easat-6931	22	15	policy	policy	NOUN
easat-6931	22	16	frameworks	framework	NOUN
easat-6931	22	17	have	have	AUX
easat-6931	22	18	resulted	result	VERB
easat-6931	22	19	in	in	ADP
easat-6931	22	20	the	the	DET
easat-6931	22	21	implementation	implementation	NOUN
easat-6931	22	22	falling	fall	VERB
easat-6931	22	23	short	short	ADV
easat-6931	22	24	of	of	ADP
easat-6931	22	25	expectations	expectation	NOUN
easat-6931	22	26	.	.	PUNCT
easat-6931	23	1	although	although	SCONJ
easat-6931	23	2	research	research	NOUN
easat-6931	23	3	on	on	ADP
easat-6931	23	4	basel	basel	PROPN
easat-6931	23	5	iii	iii	PROPN
easat-6931	23	6	capital	capital	NOUN
easat-6931	23	7	regulations	regulation	NOUN
easat-6931	23	8	exists	exist	VERB
easat-6931	23	9	,	,	PUNCT
easat-6931	23	10	the	the	DET
easat-6931	23	11	diverse	diverse	ADJ
easat-6931	23	12	contexts	contexts	NOUN
easat-6931	23	13	,	,	PUNCT
easat-6931	23	14	characteristics	characteristic	NOUN
easat-6931	23	15	,	,	PUNCT
easat-6931	23	16	and	and	CCONJ
easat-6931	23	17	operational	operational	ADJ
easat-6931	23	18	approaches	approach	NOUN
easat-6931	23	19	of	of	ADP
easat-6931	23	20	different	different	ADJ
easat-6931	23	21	banks	bank	NOUN
easat-6931	23	22	necessitate	necessitate	ADJ
easat-6931	23	23	distinct	distinct	ADJ
easat-6931	23	24	solutions	solution	NOUN
easat-6931	23	25	.	.	PUNCT
easat-6931	24	1	tailored	tailor	VERB
easat-6931	24	2	525	525	NUM
easat-6931	24	3	edelweiss	edelweiss	PROPN
easat-6931	24	4	applied	apply	VERB
easat-6931	24	5	science	science	NOUN
easat-6931	24	6	and	and	CCONJ
easat-6931	24	7	technology	technology	NOUN
easat-6931	24	8	issn	issn	PROPN
easat-6931	24	9	:	:	PUNCT
easat-6931	24	10	2576	2576	NUM
easat-6931	24	11	-	-	SYM
easat-6931	24	12	8484	8484	NUM
easat-6931	24	13	vol	vol	NOUN
easat-6931	24	14	.	.	PROPN
easat-6931	25	1	9	9	NUM
easat-6931	25	2	,	,	PUNCT
easat-6931	25	3	no	no	INTJ
easat-6931	25	4	.	.	NOUN
easat-6931	25	5	5	5	NUM
easat-6931	25	6	:	:	PUNCT
easat-6931	25	7	524	524	NUM
easat-6931	25	8	-	-	SYM
easat-6931	25	9	536	536	NUM
easat-6931	25	10	,	,	PUNCT
easat-6931	25	11	2025	2025	NUM
easat-6931	25	12	doi	doi	NOUN
easat-6931	25	13	:	:	PUNCT
easat-6931	25	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	25	15	©	©	PROPN
easat-6931	25	16	2025	2025	NUM
easat-6931	25	17	by	by	ADP
easat-6931	25	18	the	the	DET
easat-6931	25	19	authors	author	NOUN
easat-6931	25	20	;	;	PUNCT
easat-6931	25	21	licensee	licensee	PROPN
easat-6931	25	22	learning	learning	NOUN
easat-6931	25	23	gate	gate	NOUN
easat-6931	25	24	strategies	strategy	NOUN
easat-6931	25	25	are	be	AUX
easat-6931	25	26	crucial	crucial	ADJ
easat-6931	25	27	not	not	PART
easat-6931	25	28	only	only	ADV
easat-6931	25	29	for	for	ADP
easat-6931	25	30	improving	improve	VERB
easat-6931	25	31	banks	bank	NOUN
easat-6931	25	32	'	'	PART
easat-6931	25	33	resilience	resilience	NOUN
easat-6931	25	34	in	in	ADP
easat-6931	25	35	times	time	NOUN
easat-6931	25	36	of	of	ADP
easat-6931	25	37	crisis	crisis	NOUN
easat-6931	25	38	but	but	CCONJ
easat-6931	25	39	also	also	ADV
easat-6931	25	40	for	for	ADP
easat-6931	25	41	boosting	boost	VERB
easat-6931	25	42	their	their	PRON
easat-6931	25	43	competitiveness	competitiveness	NOUN
easat-6931	25	44	by	by	ADP
easat-6931	25	45	ensuring	ensure	VERB
easat-6931	25	46	timely	timely	ADJ
easat-6931	25	47	compliance	compliance	NOUN
easat-6931	25	48	with	with	ADP
easat-6931	25	49	basel	basel	PROPN
easat-6931	25	50	iii	iii	PROPN
easat-6931	25	51	capital	capital	NOUN
easat-6931	25	52	buffer	buffer	NOUN
easat-6931	25	53	requirements	requirement	NOUN
easat-6931	25	54	.	.	PUNCT
easat-6931	26	1	accordingly	accordingly	ADV
easat-6931	26	2	,	,	PUNCT
easat-6931	26	3	section	section	NOUN
easat-6931	26	4	2	2	NUM
easat-6931	26	5	of	of	ADP
easat-6931	26	6	this	this	DET
easat-6931	26	7	article	article	NOUN
easat-6931	26	8	will	will	AUX
easat-6931	26	9	provide	provide	VERB
easat-6931	26	10	a	a	DET
easat-6931	26	11	literature	literature	NOUN
easat-6931	26	12	review	review	NOUN
easat-6931	26	13	,	,	PUNCT
easat-6931	26	14	focusing	focus	VERB
easat-6931	26	15	on	on	ADP
easat-6931	26	16	previous	previous	ADJ
easat-6931	26	17	studies	study	NOUN
easat-6931	26	18	related	relate	VERB
easat-6931	26	19	to	to	ADP
easat-6931	26	20	the	the	DET
easat-6931	26	21	implementation	implementation	NOUN
easat-6931	26	22	of	of	ADP
easat-6931	26	23	basel	basel	PROPN
easat-6931	26	24	iii	iii	PROPN
easat-6931	26	25	capital	capital	NOUN
easat-6931	26	26	buffers	buffer	NOUN
easat-6931	26	27	and	and	CCONJ
easat-6931	26	28	strategic	strategic	ADJ
easat-6931	26	29	solutions	solution	NOUN
easat-6931	26	30	.	.	PUNCT
easat-6931	27	1	section	section	NOUN
easat-6931	27	2	3	3	NUM
easat-6931	27	3	will	will	AUX
easat-6931	27	4	outline	outline	VERB
easat-6931	27	5	the	the	DET
easat-6931	27	6	research	research	NOUN
easat-6931	27	7	methods	method	NOUN
easat-6931	27	8	,	,	PUNCT
easat-6931	27	9	including	include	VERB
easat-6931	27	10	the	the	DET
easat-6931	27	11	dataset	dataset	NOUN
easat-6931	27	12	and	and	CCONJ
easat-6931	27	13	the	the	DET
easat-6931	27	14	methodology	methodology	NOUN
easat-6931	27	15	employed	employ	VERB
easat-6931	27	16	in	in	ADP
easat-6931	27	17	the	the	DET
easat-6931	27	18	study	study	NOUN
easat-6931	27	19	.	.	PUNCT
easat-6931	28	1	section	section	NOUN
easat-6931	28	2	4	4	NUM
easat-6931	28	3	will	will	AUX
easat-6931	28	4	present	present	VERB
easat-6931	28	5	the	the	DET
easat-6931	28	6	research	research	NOUN
easat-6931	28	7	results	result	NOUN
easat-6931	28	8	and	and	CCONJ
easat-6931	28	9	offer	offer	VERB
easat-6931	28	10	comments	comment	NOUN
easat-6931	28	11	on	on	ADP
easat-6931	28	12	the	the	DET
easat-6931	28	13	findings	finding	NOUN
easat-6931	28	14	,	,	PUNCT
easat-6931	28	15	while	while	SCONJ
easat-6931	28	16	section	section	NOUN
easat-6931	28	17	5	5	NUM
easat-6931	28	18	will	will	AUX
easat-6931	28	19	conclude	conclude	VERB
easat-6931	28	20	with	with	ADP
easat-6931	28	21	key	key	ADJ
easat-6931	28	22	recommendations	recommendation	NOUN
easat-6931	28	23	based	base	VERB
easat-6931	28	24	on	on	ADP
easat-6931	28	25	the	the	DET
easat-6931	28	26	analysis	analysis	NOUN
easat-6931	28	27	.	.	PUNCT
easat-6931	29	1	2	2	X
easat-6931	29	2	.	.	X
easat-6931	29	3	literature	literature	PROPN
easat-6931	29	4	review	review	PROPN
easat-6931	29	5	basel	basel	PROPN
easat-6931	29	6	iii	iii	PROPN
easat-6931	29	7	capital	capital	NOUN
easat-6931	29	8	buffers	buffer	NOUN
easat-6931	29	9	issued	issue	VERB
easat-6931	29	10	by	by	ADP
easat-6931	29	11	bcbs	bcb	NOUN
easat-6931	29	12	are	be	AUX
easat-6931	29	13	applied	apply	VERB
easat-6931	29	14	by	by	ADP
easat-6931	29	15	banks	bank	NOUN
easat-6931	29	16	as	as	ADP
easat-6931	29	17	an	an	DET
easat-6931	29	18	international	international	ADJ
easat-6931	29	19	practice	practice	NOUN
easat-6931	29	20	in	in	ADP
easat-6931	29	21	the	the	DET
easat-6931	29	22	banking	banking	NOUN
easat-6931	29	23	and	and	CCONJ
easat-6931	29	24	finance	finance	NOUN
easat-6931	29	25	sector	sector	NOUN
easat-6931	29	26	.	.	PUNCT
easat-6931	30	1	the	the	DET
easat-6931	30	2	level	level	NOUN
easat-6931	30	3	and	and	CCONJ
easat-6931	30	4	ability	ability	NOUN
easat-6931	30	5	to	to	PART
easat-6931	30	6	implement	implement	VERB
easat-6931	30	7	these	these	DET
easat-6931	30	8	buffers	buffer	NOUN
easat-6931	30	9	depend	depend	VERB
easat-6931	30	10	on	on	ADP
easat-6931	30	11	the	the	DET
easat-6931	30	12	financial	financial	ADJ
easat-6931	30	13	capacity	capacity	NOUN
easat-6931	30	14	,	,	PUNCT
easat-6931	30	15	capital	capital	NOUN
easat-6931	30	16	,	,	PUNCT
easat-6931	30	17	asset	asset	NOUN
easat-6931	30	18	quality	quality	NOUN
easat-6931	30	19	of	of	ADP
easat-6931	30	20	banks	bank	NOUN
easat-6931	30	21	and	and	CCONJ
easat-6931	30	22	regulations	regulation	NOUN
easat-6931	30	23	of	of	ADP
easat-6931	30	24	the	the	DET
easat-6931	30	25	authority	authority	NOUN
easat-6931	30	26	.	.	PUNCT
easat-6931	31	1	the	the	DET
easat-6931	31	2	definition	definition	NOUN
easat-6931	31	3	of	of	ADP
easat-6931	31	4	capital	capital	NOUN
easat-6931	31	5	is	be	AUX
easat-6931	31	6	necessary	necessary	ADJ
easat-6931	31	7	for	for	SCONJ
easat-6931	31	8	banks	bank	NOUN
easat-6931	31	9	to	to	PART
easat-6931	31	10	have	have	VERB
easat-6931	31	11	a	a	DET
easat-6931	31	12	basis	basis	NOUN
easat-6931	31	13	for	for	ADP
easat-6931	31	14	establishing	establish	VERB
easat-6931	31	15	buffers	buffer	NOUN
easat-6931	31	16	to	to	PART
easat-6931	31	17	cover	cover	VERB
easat-6931	31	18	potential	potential	ADJ
easat-6931	31	19	losses	loss	NOUN
easat-6931	31	20	;	;	PUNCT
easat-6931	31	21	it	it	PRON
easat-6931	31	22	is	be	AUX
easat-6931	31	23	a	a	DET
easat-6931	31	24	prerequisite	prerequisite	NOUN
easat-6931	31	25	for	for	SCONJ
easat-6931	31	26	countries	country	NOUN
easat-6931	31	27	to	to	PART
easat-6931	31	28	comply	comply	VERB
easat-6931	31	29	to	to	PART
easat-6931	31	30	stabilize	stabilize	VERB
easat-6931	31	31	their	their	PRON
easat-6931	31	32	financial	financial	ADJ
easat-6931	31	33	systems	system	NOUN
easat-6931	31	34	[	[	X
easat-6931	31	35	1	1	NUM
easat-6931	31	36	-	-	SYM
easat-6931	31	37	3	3	NUM
easat-6931	31	38	]	]	PUNCT
easat-6931	31	39	.	.	PUNCT
easat-6931	32	1	basel	basel	PROPN
easat-6931	32	2	iii	iii	PROPN
easat-6931	32	3	capital	capital	PROPN
easat-6931	32	4	buffers	buffer	NOUN
easat-6931	32	5	include:(i	include:(i	PROPN
easat-6931	32	6	)	)	PUNCT
easat-6931	32	7	capital	capital	NOUN
easat-6931	32	8	conservation	conservation	NOUN
easat-6931	32	9	buffer	buffer	NOUN
easat-6931	32	10	(	(	PUNCT
easat-6931	32	11	ccob	ccob	NOUN
easat-6931	32	12	)	)	PUNCT
easat-6931	32	13	is	be	AUX
easat-6931	32	14	designed	design	VERB
easat-6931	32	15	to	to	PART
easat-6931	32	16	ensure	ensure	VERB
easat-6931	32	17	that	that	SCONJ
easat-6931	32	18	banks	bank	NOUN
easat-6931	32	19	have	have	VERB
easat-6931	32	20	an	an	DET
easat-6931	32	21	additional	additional	ADJ
easat-6931	32	22	layer	layer	NOUN
easat-6931	32	23	of	of	ADP
easat-6931	32	24	available	available	ADJ
easat-6931	32	25	capital	capital	NOUN
easat-6931	32	26	that	that	PRON
easat-6931	32	27	can	can	AUX
easat-6931	32	28	be	be	AUX
easat-6931	32	29	drawn	draw	VERB
easat-6931	32	30	upon	upon	SCONJ
easat-6931	32	31	in	in	ADP
easat-6931	32	32	the	the	DET
easat-6931	32	33	event	event	NOUN
easat-6931	32	34	of	of	ADP
easat-6931	32	35	losses	loss	NOUN
easat-6931	32	36	.	.	PUNCT
easat-6931	33	1	ccob	ccob	PROPN
easat-6931	33	2	is	be	AUX
easat-6931	33	3	set	set	VERB
easat-6931	33	4	at	at	ADP
easat-6931	33	5	2.5	2.5	NUM
easat-6931	33	6	%	%	NOUN
easat-6931	33	7	of	of	ADP
easat-6931	33	8	total	total	ADJ
easat-6931	33	9	risk	risk	NOUN
easat-6931	33	10	-	-	PUNCT
easat-6931	33	11	weighted	weight	VERB
easat-6931	33	12	assets	asset	NOUN
easat-6931	33	13	,	,	PUNCT
easat-6931	33	14	which	which	PRON
easat-6931	33	15	is	be	AUX
easat-6931	33	16	established	establish	VERB
easat-6931	33	17	above	above	ADP
easat-6931	33	18	the	the	DET
easat-6931	33	19	regulatory	regulatory	ADJ
easat-6931	33	20	minimum	minimum	ADJ
easat-6931	33	21	capital	capital	NOUN
easat-6931	33	22	requirement	requirement	NOUN
easat-6931	33	23	and	and	CCONJ
easat-6931	33	24	must	must	AUX
easat-6931	33	25	be	be	AUX
easat-6931	33	26	met	meet	VERB
easat-6931	33	27	with	with	ADP
easat-6931	33	28	common	common	ADJ
easat-6931	33	29	equity	equity	NOUN
easat-6931	33	30	tier	tier	NOUN
easat-6931	33	31	1	1	NUM
easat-6931	33	32	(	(	PUNCT
easat-6931	33	33	cet1	cet1	NOUN
easat-6931	33	34	)	)	PUNCT
easat-6931	33	35	capital	capital	NOUN
easat-6931	33	36	.	.	PUNCT
easat-6931	34	1	whenever	whenever	SCONJ
easat-6931	34	2	the	the	DET
easat-6931	34	3	buffer	buffer	NOUN
easat-6931	34	4	falls	fall	VERB
easat-6931	34	5	below	below	ADP
easat-6931	34	6	2.5	2.5	NUM
easat-6931	34	7	%	%	NOUN
easat-6931	34	8	,	,	PUNCT
easat-6931	34	9	automatic	automatic	ADJ
easat-6931	34	10	constraints	constraint	NOUN
easat-6931	34	11	on	on	ADP
easat-6931	34	12	capital	capital	NOUN
easat-6931	34	13	distribution	distribution	NOUN
easat-6931	34	14	(	(	PUNCT
easat-6931	34	15	for	for	ADP
easat-6931	34	16	example	example	NOUN
easat-6931	34	17	,	,	PUNCT
easat-6931	34	18	dividends	dividend	NOUN
easat-6931	34	19	,	,	PUNCT
easat-6931	34	20	share	share	NOUN
easat-6931	34	21	buybacks	buyback	NOUN
easat-6931	34	22	and	and	CCONJ
easat-6931	34	23	discretionary	discretionary	ADJ
easat-6931	34	24	bonus	bonus	NOUN
easat-6931	34	25	payments	payment	NOUN
easat-6931	34	26	)	)	PUNCT
easat-6931	34	27	will	will	AUX
easat-6931	34	28	be	be	AUX
easat-6931	34	29	imposed	impose	VERB
easat-6931	34	30	to	to	PART
easat-6931	34	31	replenish	replenish	VERB
easat-6931	34	32	the	the	DET
easat-6931	34	33	buffer	buffer	NOUN
easat-6931	34	34	until	until	SCONJ
easat-6931	34	35	it	it	PRON
easat-6931	34	36	reaches	reach	VERB
easat-6931	34	37	the	the	DET
easat-6931	34	38	minimum	minimum	ADJ
easat-6931	34	39	requirement	requirement	NOUN
easat-6931	35	1	[	[	X
easat-6931	35	2	2	2	NUM
easat-6931	35	3	,	,	PUNCT
easat-6931	35	4	3	3	NUM
easat-6931	35	5	]	]	PUNCT
easat-6931	35	6	(	(	PUNCT
easat-6931	35	7	ii	ii	NOUN
easat-6931	35	8	)	)	PUNCT
easat-6931	35	9	countercyclical	countercyclical	ADJ
easat-6931	35	10	capital	capital	NOUN
easat-6931	35	11	buffer	buffer	NOUN
easat-6931	35	12	(	(	PUNCT
easat-6931	35	13	ccyb	ccyb	NOUN
easat-6931	35	14	)	)	PUNCT
easat-6931	35	15	varies	vary	VERB
easat-6931	35	16	between	between	ADP
easat-6931	35	17	0	0	NUM
easat-6931	35	18	and	and	CCONJ
easat-6931	35	19	2.5	2.5	NUM
easat-6931	35	20	%	%	NOUN
easat-6931	35	21	of	of	ADP
easat-6931	35	22	total	total	ADJ
easat-6931	35	23	riskweighted	riskweighte	VERB
easat-6931	35	24	assets	asset	NOUN
easat-6931	35	25	and	and	CCONJ
easat-6931	35	26	must	must	AUX
easat-6931	35	27	be	be	AUX
easat-6931	35	28	met	meet	VERB
easat-6931	35	29	with	with	ADP
easat-6931	35	30	cet1	cet1	NOUN
easat-6931	35	31	capital	capital	NOUN
easat-6931	35	32	,	,	PUNCT
easat-6931	35	33	which	which	PRON
easat-6931	35	34	is	be	AUX
easat-6931	35	35	based	base	VERB
easat-6931	35	36	on	on	ADP
easat-6931	35	37	the	the	DET
easat-6931	35	38	authorities	authority	NOUN
easat-6931	35	39	’	'	PUNCT
easat-6931	35	40	assessment	assessment	NOUN
easat-6931	35	41	when	when	SCONJ
easat-6931	35	42	excessive	excessive	ADJ
easat-6931	35	43	aggregate	aggregate	ADJ
easat-6931	35	44	credit	credit	NOUN
easat-6931	35	45	growth	growth	NOUN
easat-6931	35	46	could	could	AUX
easat-6931	35	47	accumulate	accumulate	VERB
easat-6931	35	48	system	system	NOUN
easat-6931	35	49	-	-	PUNCT
easat-6931	35	50	wide	wide	ADJ
easat-6931	35	51	risks	risk	NOUN
easat-6931	35	52	.	.	PUNCT
easat-6931	36	1	this	this	DET
easat-6931	36	2	buffer	buffer	NOUN
easat-6931	36	3	is	be	AUX
easat-6931	36	4	drawn	draw	VERB
easat-6931	36	5	down	down	ADP
easat-6931	36	6	during	during	ADP
easat-6931	36	7	recessions	recession	NOUN
easat-6931	36	8	to	to	PART
easat-6931	36	9	help	help	VERB
easat-6931	36	10	banks	bank	NOUN
easat-6931	36	11	maintain	maintain	VERB
easat-6931	36	12	credit	credit	NOUN
easat-6931	36	13	flow	flow	NOUN
easat-6931	36	14	in	in	ADP
easat-6931	36	15	the	the	DET
easat-6931	36	16	economy	economy	NOUN
easat-6931	36	17	.	.	PUNCT
easat-6931	37	1	ccyb	ccyb	PROPN
easat-6931	37	2	is	be	AUX
easat-6931	37	3	implemented	implement	VERB
easat-6931	37	4	as	as	ADP
easat-6931	37	5	an	an	DET
easat-6931	37	6	extension	extension	NOUN
easat-6931	37	7	of	of	ADP
easat-6931	37	8	the	the	DET
easat-6931	37	9	capital	capital	NOUN
easat-6931	37	10	conservation	conservation	NOUN
easat-6931	37	11	buffer	buffer	NOUN
easat-6931	37	12	.	.	PUNCT
easat-6931	38	1	accordingly	accordingly	ADV
easat-6931	38	2	,	,	PUNCT
easat-6931	38	3	banks	bank	NOUN
easat-6931	38	4	that	that	PRON
easat-6931	38	5	do	do	AUX
easat-6931	38	6	not	not	PART
easat-6931	38	7	meet	meet	VERB
easat-6931	38	8	ccyb	ccyb	NOUN
easat-6931	38	9	requirements	requirement	NOUN
easat-6931	38	10	will	will	AUX
easat-6931	38	11	be	be	AUX
easat-6931	38	12	restricted	restrict	VERB
easat-6931	38	13	from	from	ADP
easat-6931	38	14	automatic	automatic	ADJ
easat-6931	38	15	distribution	distribution	NOUN
easat-6931	38	16	through	through	ADP
easat-6931	38	17	minimum	minimum	ADJ
easat-6931	38	18	capital	capital	NOUN
easat-6931	38	19	conservation	conservation	NOUN
easat-6931	38	20	ratios	ratio	NOUN
easat-6931	38	21	that	that	SCONJ
easat-6931	38	22	a	a	DET
easat-6931	38	23	bank	bank	NOUN
easat-6931	38	24	must	must	AUX
easat-6931	38	25	meet	meet	VERB
easat-6931	38	26	at	at	ADP
easat-6931	38	27	different	different	ADJ
easat-6931	38	28	levels	level	NOUN
easat-6931	38	29	of	of	ADP
easat-6931	38	30	the	the	DET
easat-6931	38	31	cet1	cet1	NOUN
easat-6931	38	32	capital	capital	NOUN
easat-6931	38	33	ratio	ratio	NOUN
easat-6931	38	34	[	[	X
easat-6931	38	35	2	2	NUM
easat-6931	38	36	,	,	PUNCT
easat-6931	38	37	3	3	NUM
easat-6931	38	38	]	]	PUNCT
easat-6931	38	39	(	(	PUNCT
easat-6931	38	40	iii	iii	NOUN
easat-6931	38	41	)	)	PUNCT
easat-6931	38	42	global	global	ADJ
easat-6931	38	43	systemically	systemically	ADV
easat-6931	38	44	important	important	ADJ
easat-6931	38	45	bank	bank	NOUN
easat-6931	38	46	(	(	PUNCT
easat-6931	38	47	gsib	gsib	NOUN
easat-6931	38	48	)	)	PUNCT
easat-6931	38	49	surcharge	surcharge	NOUN
easat-6931	38	50	requires	require	VERB
easat-6931	38	51	higher	high	ADJ
easat-6931	38	52	loss	loss	NOUN
easat-6931	38	53	absorbency	absorbency	NOUN
easat-6931	38	54	of	of	ADP
easat-6931	38	55	1	1	NUM
easat-6931	38	56	%	%	NOUN
easat-6931	38	57	to	to	PART
easat-6931	38	58	3.5	3.5	NUM
easat-6931	38	59	%	%	NOUN
easat-6931	38	60	of	of	ADP
easat-6931	38	61	total	total	ADJ
easat-6931	38	62	risk	risk	NOUN
easat-6931	38	63	-	-	PUNCT
easat-6931	38	64	weighted	weight	VERB
easat-6931	38	65	assets	asset	NOUN
easat-6931	38	66	and	and	CCONJ
easat-6931	38	67	must	must	AUX
easat-6931	38	68	be	be	AUX
easat-6931	38	69	met	meet	VERB
easat-6931	38	70	with	with	ADP
easat-6931	38	71	cet1	cet1	NOUN
easat-6931	38	72	capital	capital	NOUN
easat-6931	38	73	,	,	PUNCT
easat-6931	38	74	based	base	VERB
easat-6931	38	75	on	on	ADP
easat-6931	38	76	5	5	NUM
easat-6931	38	77	buckets	bucket	NOUN
easat-6931	38	78	of	of	ADP
easat-6931	38	79	systemic	systemic	ADJ
easat-6931	38	80	importance	importance	NOUN
easat-6931	38	81	scores	score	NOUN
easat-6931	38	82	[	[	X
easat-6931	38	83	4	4	X
easat-6931	38	84	]	]	X
easat-6931	38	85	the	the	DET
easat-6931	38	86	number	number	NOUN
easat-6931	38	87	of	of	ADP
easat-6931	38	88	buckets	bucket	NOUN
easat-6931	38	89	could	could	AUX
easat-6931	38	90	increase	increase	VERB
easat-6931	38	91	in	in	ADP
easat-6931	38	92	the	the	DET
easat-6931	38	93	future	future	NOUN
easat-6931	38	94	to	to	PART
easat-6931	38	95	maintain	maintain	VERB
easat-6931	38	96	incentives	incentive	NOUN
easat-6931	38	97	for	for	SCONJ
easat-6931	38	98	banks	bank	NOUN
easat-6931	38	99	to	to	PART
easat-6931	38	100	avoid	avoid	VERB
easat-6931	38	101	becoming	become	VERB
easat-6931	38	102	more	more	ADV
easat-6931	38	103	systemically	systemically	ADV
easat-6931	38	104	important	important	ADJ
easat-6931	38	105	(	(	PUNCT
easat-6931	38	106	bucket	bucket	NOUN
easat-6931	38	107	6	6	NUM
easat-6931	38	108	could	could	AUX
easat-6931	38	109	be	be	AUX
easat-6931	38	110	created	create	VERB
easat-6931	38	111	with	with	ADP
easat-6931	38	112	a	a	DET
easat-6931	38	113	minimum	minimum	NOUN
easat-6931	38	114	higher	high	ADJ
easat-6931	38	115	loss	loss	NOUN
easat-6931	38	116	absorbency	absorbency	NOUN
easat-6931	38	117	(	(	PUNCT
easat-6931	38	118	hla	hla	NOUN
easat-6931	38	119	)	)	PUNCT
easat-6931	38	120	requirement	requirement	NOUN
easat-6931	38	121	of	of	ADP
easat-6931	38	122	4.5	4.5	NUM
easat-6931	38	123	%	%	NOUN
easat-6931	38	124	)	)	PUNCT
easat-6931	38	125	;	;	PUNCT
easat-6931	38	126	(	(	PUNCT
easat-6931	38	127	iv	iv	X
easat-6931	38	128	)	)	PUNCT
easat-6931	38	129	domestic	domestic	ADJ
easat-6931	38	130	systemically	systemically	ADV
easat-6931	38	131	important	important	ADJ
easat-6931	38	132	bank	bank	NOUN
easat-6931	38	133	(	(	PUNCT
easat-6931	38	134	dsib	dsib	PROPN
easat-6931	38	135	)	)	PUNCT
easat-6931	38	136	surcharge	surcharge	NOUN
easat-6931	38	137	is	be	AUX
easat-6931	38	138	a	a	DET
easat-6931	38	139	complementary	complementary	ADJ
easat-6931	38	140	perspective	perspective	NOUN
easat-6931	38	141	to	to	ADP
easat-6931	38	142	the	the	DET
easat-6931	38	143	gsib	gsib	NOUN
easat-6931	38	144	surcharge	surcharge	NOUN
easat-6931	38	145	mechanism	mechanism	NOUN
easat-6931	38	146	which	which	PRON
easat-6931	38	147	focuses	focus	VERB
easat-6931	38	148	on	on	ADP
easat-6931	38	149	the	the	DET
easat-6931	38	150	impact	impact	NOUN
easat-6931	38	151	of	of	ADP
easat-6931	38	152	banks	bank	NOUN
easat-6931	38	153	’	'	PUNCT
easat-6931	38	154	distress	distress	NOUN
easat-6931	38	155	or	or	CCONJ
easat-6931	38	156	bankruptcy	bankruptcy	NOUN
easat-6931	38	157	on	on	ADP
easat-6931	38	158	the	the	DET
easat-6931	38	159	domestic	domestic	ADJ
easat-6931	38	160	economy	economy	NOUN
easat-6931	38	161	.	.	PUNCT
easat-6931	39	1	principles	principle	NOUN
easat-6931	39	2	developed	develop	VERB
easat-6931	39	3	by	by	ADP
easat-6931	39	4	the	the	DET
easat-6931	39	5	dsib	dsib	PROPN
easat-6931	39	6	committee	committee	PROPN
easat-6931	39	7	will	will	AUX
easat-6931	39	8	allow	allow	VERB
easat-6931	39	9	countries	country	NOUN
easat-6931	39	10	to	to	PART
easat-6931	39	11	have	have	VERB
easat-6931	39	12	appropriate	appropriate	ADJ
easat-6931	39	13	discretion	discretion	NOUN
easat-6931	39	14	in	in	ADP
easat-6931	39	15	calibrating	calibrate	VERB
easat-6931	39	16	higher	high	ADJ
easat-6931	39	17	loss	loss	NOUN
easat-6931	39	18	absorbency	absorbency	NOUN
easat-6931	39	19	requirements	requirement	NOUN
easat-6931	39	20	for	for	ADP
easat-6931	39	21	dsibs	dsib	NOUN
easat-6931	39	22	(	(	PUNCT
easat-6931	39	23	using	use	VERB
easat-6931	39	24	qualitative	qualitative	ADJ
easat-6931	39	25	and	and	CCONJ
easat-6931	39	26	quantitative	quantitative	ADJ
easat-6931	39	27	methods	method	NOUN
easat-6931	39	28	where	where	SCONJ
easat-6931	39	29	available	available	ADJ
easat-6931	39	30	)	)	PUNCT
easat-6931	39	31	,	,	PUNCT
easat-6931	39	32	which	which	PRON
easat-6931	39	33	are	be	AUX
easat-6931	39	34	compatible	compatible	ADJ
easat-6931	39	35	with	with	ADP
easat-6931	39	36	gsib	gsib	NOUN
easat-6931	39	37	framework	framework	NOUN
easat-6931	39	38	and	and	CCONJ
easat-6931	39	39	must	must	AUX
easat-6931	39	40	meet	meet	VERB
easat-6931	39	41	with	with	ADP
easat-6931	39	42	cet1	cet1	NOUN
easat-6931	40	1	[	[	X
easat-6931	40	2	5	5	NUM
easat-6931	40	3	]	]	PUNCT
easat-6931	40	4	.	.	PUNCT
easat-6931	41	1	national	national	ADJ
easat-6931	41	2	authorities	authority	NOUN
easat-6931	41	3	should	should	AUX
easat-6931	41	4	implement	implement	VERB
easat-6931	41	5	higher	high	ADJ
easat-6931	41	6	loss	loss	NOUN
easat-6931	41	7	absorbency	absorbency	NOUN
easat-6931	41	8	requirements	requirement	NOUN
easat-6931	41	9	through	through	ADP
easat-6931	41	10	expanding	expand	VERB
easat-6931	41	11	the	the	DET
easat-6931	41	12	conservative	conservative	ADJ
easat-6931	41	13	capital	capital	NOUN
easat-6931	41	14	buffer	buffer	NOUN
easat-6931	41	15	,	,	PUNCT
easat-6931	41	16	maintaining	maintain	VERB
easat-6931	41	17	the	the	DET
easat-6931	41	18	division	division	NOUN
easat-6931	41	19	of	of	ADP
easat-6931	41	20	the	the	DET
easat-6931	41	21	buffer	buffer	NOUN
easat-6931	41	22	into	into	ADP
easat-6931	41	23	four	four	NUM
easat-6931	41	24	equally	equally	ADV
easat-6931	41	25	sized	sized	ADJ
easat-6931	41	26	quartiles	quartile	NOUN
easat-6931	41	27	(	(	PUNCT
easat-6931	41	28	bcbs	bcbs	PROPN
easat-6931	41	29	rbc	rbc	PROPN
easat-6931	41	30	30.17	30.17	NUM
easat-6931	41	31	)	)	PUNCT
easat-6931	41	32	.	.	PUNCT
easat-6931	42	1	the	the	DET
easat-6931	42	2	capital	capital	NOUN
easat-6931	42	3	buffer	buffer	NOUN
easat-6931	42	4	must	must	AUX
easat-6931	42	5	be	be	AUX
easat-6931	42	6	met	meet	VERB
easat-6931	42	7	by	by	ADP
easat-6931	42	8	common	common	ADJ
easat-6931	42	9	equity	equity	NOUN
easat-6931	42	10	tier	tier	NOUN
easat-6931	42	11	1	1	NUM
easat-6931	42	12	cet1	cet1	NOUN
easat-6931	42	13	[	[	X
easat-6931	42	14	2	2	NUM
easat-6931	42	15	,	,	PUNCT
easat-6931	42	16	3	3	NUM
easat-6931	42	17	]	]	PUNCT
easat-6931	42	18	.	.	PUNCT
easat-6931	43	1	cohen	cohen	PROPN
easat-6931	44	1	[	[	X
easat-6931	44	2	6	6	NUM
easat-6931	44	3	]	]	PUNCT
easat-6931	44	4	in	in	ADP
easat-6931	44	5	his	his	PRON
easat-6931	44	6	study	study	NOUN
easat-6931	44	7	“	"	PUNCT
easat-6931	44	8	how	how	SCONJ
easat-6931	44	9	have	have	AUX
easat-6931	44	10	banks	bank	NOUN
easat-6931	44	11	adjusted	adjust	VERB
easat-6931	44	12	to	to	ADP
easat-6931	44	13	higher	high	ADJ
easat-6931	44	14	capital	capital	NOUN
easat-6931	44	15	requirements	requirement	NOUN
easat-6931	44	16	”	"	PUNCT
easat-6931	44	17	pointed	point	VERB
easat-6931	44	18	out	out	ADP
easat-6931	44	19	that	that	SCONJ
easat-6931	44	20	a	a	DET
easat-6931	44	21	bank	bank	NOUN
easat-6931	44	22	who	who	PRON
easat-6931	44	23	wants	want	VERB
easat-6931	44	24	to	to	PART
easat-6931	44	25	increase	increase	VERB
easat-6931	44	26	its	its	PRON
easat-6931	44	27	risk	risk	NOUN
easat-6931	44	28	-	-	PUNCT
easat-6931	44	29	adjusted	adjust	VERB
easat-6931	44	30	capital	capital	NOUN
easat-6931	44	31	ratio	ratio	NOUN
easat-6931	44	32	will	will	AUX
easat-6931	44	33	have	have	VERB
easat-6931	44	34	a	a	DET
easat-6931	44	35	number	number	NOUN
easat-6931	44	36	of	of	ADP
easat-6931	44	37	strategies	strategy	NOUN
easat-6931	44	38	at	at	ADP
easat-6931	44	39	its	its	PRON
easat-6931	44	40	disposal	disposal	NOUN
easat-6931	44	41	:	:	PUNCT
easat-6931	44	42	(	(	PUNCT
easat-6931	44	43	i	i	NOUN
easat-6931	44	44	)	)	PUNCT
easat-6931	44	45	the	the	DET
easat-6931	44	46	first	first	ADJ
easat-6931	44	47	group	group	NOUN
easat-6931	44	48	of	of	ADP
easat-6931	44	49	strategies	strategy	NOUN
easat-6931	44	50	targets	target	VERB
easat-6931	44	51	the	the	DET
easat-6931	44	52	bank	bank	NOUN
easat-6931	44	53	’s	’s	PART
easat-6931	44	54	retained	retain	VERB
easat-6931	44	55	earnings	earning	NOUN
easat-6931	44	56	:	:	PUNCT
easat-6931	44	57	the	the	DET
easat-6931	44	58	bank	bank	NOUN
easat-6931	44	59	may	may	AUX
easat-6931	44	60	seek	seek	VERB
easat-6931	44	61	to	to	PART
easat-6931	44	62	reduce	reduce	VERB
easat-6931	44	63	the	the	DET
easat-6931	44	64	portion	portion	NOUN
easat-6931	44	65	of	of	ADP
easat-6931	44	66	profits	profit	NOUN
easat-6931	44	67	they	they	PRON
easat-6931	44	68	pay	pay	VERB
easat-6931	44	69	out	out	ADP
easat-6931	44	70	as	as	ADP
easat-6931	44	71	dividends	dividend	NOUN
easat-6931	44	72	;	;	PUNCT
easat-6931	44	73	attempt	attempt	VERB
easat-6931	44	74	to	to	PART
easat-6931	44	75	increase	increase	VERB
easat-6931	44	76	their	their	PRON
easat-6931	44	77	own	own	ADJ
easat-6931	44	78	profits	profit	NOUN
easat-6931	44	79	by	by	ADP
easat-6931	44	80	increasing	increase	VERB
easat-6931	44	81	the	the	DET
easat-6931	44	82	spread	spread	NOUN
easat-6931	44	83	between	between	ADP
easat-6931	44	84	the	the	DET
easat-6931	44	85	interest	interest	NOUN
easat-6931	44	86	rate	rate	NOUN
easat-6931	44	87	they	they	PRON
easat-6931	44	88	charge	charge	VERB
easat-6931	44	89	on	on	ADP
easat-6931	44	90	loans	loan	NOUN
easat-6931	44	91	and	and	CCONJ
easat-6931	44	92	the	the	DET
easat-6931	44	93	interest	interest	NOUN
easat-6931	44	94	rate	rate	NOUN
easat-6931	44	95	they	they	PRON
easat-6931	44	96	pay	pay	VERB
easat-6931	44	97	on	on	ADP
easat-6931	44	98	their	their	PRON
easat-6931	44	99	own	own	ADJ
easat-6931	44	100	funding	funding	NOUN
easat-6931	44	101	;	;	PUNCT
easat-6931	44	102	other	other	ADJ
easat-6931	44	103	ways	way	NOUN
easat-6931	44	104	to	to	PART
easat-6931	44	105	increase	increase	VERB
easat-6931	44	106	net	net	ADJ
easat-6931	44	107	income	income	NOUN
easat-6931	44	108	include	include	VERB
easat-6931	44	109	increasing	increase	VERB
easat-6931	44	110	the	the	DET
easat-6931	44	111	profit	profit	NOUN
easat-6931	44	112	margin	margin	NOUN
easat-6931	44	113	on	on	ADP
easat-6931	44	114	other	other	ADJ
easat-6931	44	115	lines	line	NOUN
easat-6931	44	116	of	of	ADP
easat-6931	44	117	business	business	NOUN
easat-6931	44	118	(	(	PUNCT
easat-6931	44	119	such	such	ADJ
easat-6931	44	120	as	as	ADP
easat-6931	44	121	custody	custody	NOUN
easat-6931	44	122	or	or	CCONJ
easat-6931	44	123	advisory	advisory	ADJ
easat-6931	44	124	services	service	NOUN
easat-6931	44	125	and	and	CCONJ
easat-6931	44	126	reducing	reduce	VERB
easat-6931	44	127	general	general	ADJ
easat-6931	44	128	operating	operating	NOUN
easat-6931	44	129	expenses	expense	NOUN
easat-6931	44	130	)	)	PUNCT
easat-6931	44	131	;	;	PUNCT
easat-6931	44	132	(	(	PUNCT
easat-6931	44	133	ii	ii	X
easat-6931	44	134	)	)	PUNCT
easat-6931	44	135	the	the	DET
easat-6931	44	136	second	second	ADJ
easat-6931	44	137	group	group	NOUN
easat-6931	44	138	of	of	ADP
easat-6931	44	139	strategies	strategy	NOUN
easat-6931	44	140	involves	involve	VERB
easat-6931	44	141	issuing	issue	VERB
easat-6931	44	142	new	new	ADJ
easat-6931	44	143	shares	share	NOUN
easat-6931	44	144	,	,	PUNCT
easat-6931	44	145	either	either	CCONJ
easat-6931	44	146	through	through	ADP
easat-6931	44	147	right	right	ADJ
easat-6931	44	148	issue	issue	NOUN
easat-6931	44	149	to	to	ADP
easat-6931	44	150	existing	exist	VERB
easat-6931	44	151	shareholders	shareholder	NOUN
easat-6931	44	152	,	,	PUNCT
easat-6931	44	153	market	market	NOUN
easat-6931	44	154	offering	offering	NOUN
easat-6931	44	155	,	,	PUNCT
easat-6931	44	156	or	or	CCONJ
easat-6931	44	157	the	the	DET
easat-6931	44	158	sale	sale	NOUN
easat-6931	44	159	of	of	ADP
easat-6931	44	160	a	a	DET
easat-6931	44	161	portion	portion	NOUN
easat-6931	44	162	of	of	ADP
easat-6931	44	163	shares	share	NOUN
easat-6931	44	164	to	to	ADP
easat-6931	44	165	outside	outside	ADJ
easat-6931	44	166	investors	investor	NOUN
easat-6931	44	167	;	;	PUNCT
easat-6931	44	168	(	(	PUNCT
easat-6931	44	169	iii	iii	X
easat-6931	44	170	)	)	PUNCT
easat-6931	44	171	the	the	DET
easat-6931	44	172	third	third	ADJ
easat-6931	44	173	group	group	NOUN
easat-6931	44	174	of	of	ADP
easat-6931	44	175	strategies	strategy	NOUN
easat-6931	44	176	involves	involve	VERB
easat-6931	44	177	changes	change	NOUN
easat-6931	44	178	to	to	ADP
easat-6931	44	179	the	the	DET
easat-6931	44	180	asset	asset	NOUN
easat-6931	44	181	side	side	NOUN
easat-6931	44	182	of	of	ADP
easat-6931	44	183	the	the	DET
easat-6931	44	184	bank	bank	NOUN
easat-6931	44	185	’s	’s	PART
easat-6931	44	186	balance	balance	NOUN
easat-6931	44	187	sheet	sheet	NOUN
easat-6931	44	188	.	.	PUNCT
easat-6931	45	1	the	the	DET
easat-6931	45	2	bank	bank	NOUN
easat-6931	45	3	may	may	AUX
easat-6931	45	4	reduce	reduce	VERB
easat-6931	45	5	its	its	PRON
easat-6931	45	6	loan	loan	NOUN
easat-6931	45	7	portfolio	portfolio	NOUN
easat-6931	45	8	or	or	CCONJ
easat-6931	45	9	sell	sell	VERB
easat-6931	45	10	assets	asset	NOUN
easat-6931	45	11	outright	outright	ADJ
easat-6931	45	12	and	and	CCONJ
easat-6931	45	13	use	use	VERB
easat-6931	45	14	526	526	NUM
easat-6931	45	15	edelweiss	edelweiss	PROPN
easat-6931	45	16	applied	apply	VERB
easat-6931	45	17	science	science	NOUN
easat-6931	45	18	and	and	CCONJ
easat-6931	45	19	technology	technology	NOUN
easat-6931	45	20	issn	issn	PROPN
easat-6931	45	21	:	:	PUNCT
easat-6931	45	22	2576	2576	NUM
easat-6931	45	23	-	-	SYM
easat-6931	45	24	8484	8484	NUM
easat-6931	45	25	vol	vol	NOUN
easat-6931	45	26	.	.	PROPN
easat-6931	46	1	9	9	NUM
easat-6931	46	2	,	,	PUNCT
easat-6931	46	3	no	no	INTJ
easat-6931	46	4	.	.	NOUN
easat-6931	46	5	5	5	NUM
easat-6931	46	6	:	:	PUNCT
easat-6931	46	7	524	524	NUM
easat-6931	46	8	-	-	SYM
easat-6931	46	9	536	536	NUM
easat-6931	46	10	,	,	PUNCT
easat-6931	46	11	2025	2025	NUM
easat-6931	46	12	doi	doi	NOUN
easat-6931	46	13	:	:	PUNCT
easat-6931	46	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	46	15	©	©	PROPN
easat-6931	46	16	2025	2025	NUM
easat-6931	46	17	by	by	ADP
easat-6931	46	18	the	the	DET
easat-6931	46	19	authors	author	NOUN
easat-6931	46	20	;	;	PUNCT
easat-6931	46	21	licensee	licensee	PROPN
easat-6931	46	22	learning	learning	NOUN
easat-6931	46	23	gate	gate	VERB
easat-6931	46	24	the	the	DET
easat-6931	46	25	proceeds	proceed	NOUN
easat-6931	46	26	from	from	ADP
easat-6931	46	27	the	the	DET
easat-6931	46	28	debt	debt	NOUN
easat-6931	46	29	repayment	repayment	NOUN
easat-6931	46	30	or	or	CCONJ
easat-6931	46	31	asset	asset	NOUN
easat-6931	46	32	sale	sale	NOUN
easat-6931	46	33	to	to	PART
easat-6931	46	34	repay	repay	VERB
easat-6931	46	35	debt	debt	NOUN
easat-6931	46	36	.	.	PUNCT
easat-6931	47	1	in	in	ADP
easat-6931	47	2	some	some	DET
easat-6931	47	3	cases	case	NOUN
easat-6931	47	4	,	,	PUNCT
easat-6931	47	5	asset	asset	NOUN
easat-6931	47	6	sales	sale	NOUN
easat-6931	47	7	may	may	AUX
easat-6931	47	8	generate	generate	VERB
easat-6931	47	9	capital	capital	NOUN
easat-6931	47	10	gains	gain	NOUN
easat-6931	47	11	through	through	ADP
easat-6931	47	12	accounting	accounting	NOUN
easat-6931	47	13	gains	gain	NOUN
easat-6931	47	14	because	because	SCONJ
easat-6931	47	15	assets	asset	NOUN
easat-6931	47	16	are	be	AUX
easat-6931	47	17	revalued	revalue	VERB
easat-6931	47	18	relative	relative	ADJ
easat-6931	47	19	to	to	ADP
easat-6931	47	20	their	their	PRON
easat-6931	47	21	purchase	purchase	NOUN
easat-6931	47	22	price	price	NOUN
easat-6931	47	23	;	;	PUNCT
easat-6931	47	24	(	(	PUNCT
easat-6931	47	25	iv	iv	X
easat-6931	47	26	)	)	PUNCT
easat-6931	47	27	the	the	DET
easat-6931	47	28	bank	bank	NOUN
easat-6931	47	29	may	may	AUX
easat-6931	47	30	seek	seek	VERB
easat-6931	47	31	to	to	PART
easat-6931	47	32	reduce	reduce	VERB
easat-6931	47	33	its	its	PRON
easat-6931	47	34	risk	risk	NOUN
easat-6931	47	35	assets	asset	NOUN
easat-6931	47	36	by	by	ADP
easat-6931	47	37	replacing	replace	VERB
easat-6931	47	38	riskier	risky	ADJ
easat-6931	47	39	(	(	PUNCT
easat-6931	47	40	higher	high	ADJ
easat-6931	47	41	weighted	weight	VERB
easat-6931	47	42	)	)	PUNCT
easat-6931	47	43	assets	asset	NOUN
easat-6931	47	44	with	with	ADP
easat-6931	47	45	safer	safe	ADJ
easat-6931	47	46	loans	loan	NOUN
easat-6931	47	47	or	or	CCONJ
easat-6931	47	48	government	government	NOUN
easat-6931	47	49	securities	security	NOUN
easat-6931	47	50	.	.	PUNCT
easat-6931	48	1	gropp	gropp	PROPN
easat-6931	48	2	,	,	PUNCT
easat-6931	48	3	et	et	PROPN
easat-6931	48	4	al	al	PROPN
easat-6931	48	5	.	.	PUNCT
easat-6931	49	1	[	[	X
easat-6931	49	2	7	7	X
easat-6931	49	3	]	]	PUNCT
easat-6931	49	4	in	in	ADP
easat-6931	49	5	their	their	PRON
easat-6931	49	6	study	study	NOUN
easat-6931	49	7	“	"	PUNCT
easat-6931	49	8	bank	bank	NOUN
easat-6931	49	9	response	response	NOUN
easat-6931	49	10	to	to	ADP
easat-6931	49	11	higher	high	ADJ
easat-6931	49	12	capital	capital	NOUN
easat-6931	49	13	requirements	requirement	NOUN
easat-6931	49	14	:	:	PUNCT
easat-6931	49	15	envidence	envidence	NOUN
easat-6931	49	16	from	from	ADP
easat-6931	49	17	a	a	DET
easat-6931	49	18	quasi	quasi	NOUN
easat-6931	49	19	–	–	PUNCT
easat-6931	49	20	natural	natural	ADJ
easat-6931	49	21	experiment	experiment	NOUN
easat-6931	49	22	”	"	PUNCT
easat-6931	49	23	found	find	VERB
easat-6931	49	24	that	that	SCONJ
easat-6931	49	25	banks	bank	NOUN
easat-6931	49	26	can	can	AUX
easat-6931	49	27	increase	increase	VERB
easat-6931	49	28	their	their	PRON
easat-6931	49	29	regulatory	regulatory	ADJ
easat-6931	49	30	capital	capital	NOUN
easat-6931	49	31	ratios	ratio	NOUN
easat-6931	49	32	in	in	ADP
easat-6931	49	33	two	two	NUM
easat-6931	49	34	different	different	ADJ
easat-6931	49	35	ways	way	NOUN
easat-6931	49	36	:	:	PUNCT
easat-6931	49	37	increasing	increase	VERB
easat-6931	49	38	regulatory	regulatory	ADJ
easat-6931	49	39	capital	capital	NOUN
easat-6931	49	40	(	(	PUNCT
easat-6931	49	41	the	the	DET
easat-6931	49	42	numerator	numerator	NOUN
easat-6931	49	43	of	of	ADP
easat-6931	49	44	the	the	DET
easat-6931	49	45	capital	capital	NOUN
easat-6931	49	46	ratio	ratio	NOUN
easat-6931	49	47	)	)	PUNCT
easat-6931	49	48	or	or	CCONJ
easat-6931	49	49	shrinking	shrink	VERB
easat-6931	49	50	risk	risk	NOUN
easat-6931	49	51	-	-	PUNCT
easat-6931	49	52	weighted	weight	VERB
easat-6931	49	53	assets	asset	NOUN
easat-6931	49	54	(	(	PUNCT
easat-6931	49	55	the	the	DET
easat-6931	49	56	denominator	denominator	NOUN
easat-6931	49	57	of	of	ADP
easat-6931	49	58	the	the	DET
easat-6931	49	59	capital	capital	NOUN
easat-6931	49	60	ratio	ratio	NOUN
easat-6931	49	61	)	)	PUNCT
easat-6931	50	1	[	[	X
easat-6931	50	2	8	8	NUM
easat-6931	50	3	]	]	PUNCT
easat-6931	50	4	.	.	PUNCT
easat-6931	51	1	while	while	SCONJ
easat-6931	51	2	raising	raise	VERB
easat-6931	51	3	capital	capital	NOUN
easat-6931	51	4	is	be	AUX
easat-6931	51	5	considered	consider	VERB
easat-6931	51	6	good	good	ADJ
easat-6931	51	7	deleveraging	deleveraging	NOUN
easat-6931	51	8	by	by	ADP
easat-6931	51	9	regulators	regulator	NOUN
easat-6931	51	10	,	,	PUNCT
easat-6931	51	11	shrinking	shrink	VERB
easat-6931	51	12	assets	asset	NOUN
easat-6931	51	13	can	can	AUX
easat-6931	51	14	have	have	VERB
easat-6931	51	15	negative	negative	ADJ
easat-6931	51	16	impacts	impact	NOUN
easat-6931	51	17	if	if	SCONJ
easat-6931	51	18	many	many	ADJ
easat-6931	51	19	banks	bank	NOUN
easat-6931	51	20	simultaneously	simultaneously	ADV
easat-6931	51	21	engage	engage	VERB
easat-6931	51	22	in	in	ADP
easat-6931	51	23	a	a	DET
easat-6931	51	24	lending	lending	NOUN
easat-6931	51	25	cut	cut	NOUN
easat-6931	52	1	[	[	X
easat-6931	52	2	9	9	NUM
easat-6931	52	3	]	]	PUNCT
easat-6931	52	4	.	.	PUNCT
easat-6931	53	1	banks	bank	NOUN
easat-6931	53	2	adjust	adjust	VERB
easat-6931	53	3	their	their	PRON
easat-6931	53	4	balance	balance	NOUN
easat-6931	53	5	sheets	sheet	NOUN
easat-6931	53	6	(	(	PUNCT
easat-6931	53	7	both	both	CCONJ
easat-6931	53	8	asset	asset	NOUN
easat-6931	53	9	and	and	CCONJ
easat-6931	53	10	liability	liability	NOUN
easat-6931	53	11	sides	side	NOUN
easat-6931	53	12	)	)	PUNCT
easat-6931	53	13	to	to	PART
easat-6931	53	14	meet	meet	VERB
easat-6931	53	15	higher	high	ADJ
easat-6931	53	16	capital	capital	NOUN
easat-6931	53	17	requirements	requirement	NOUN
easat-6931	53	18	[	[	X
easat-6931	53	19	10	10	NUM
easat-6931	53	20	,	,	PUNCT
easat-6931	53	21	11	11	NUM
easat-6931	53	22	]	]	PUNCT
easat-6931	53	23	.	.	PUNCT
easat-6931	54	1	regarding	regard	VERB
easat-6931	54	2	state	state	NOUN
easat-6931	54	3	capital	capital	NOUN
easat-6931	54	4	,	,	PUNCT
easat-6931	54	5	thanh	thanh	VERB
easat-6931	55	1	[	[	X
easat-6931	55	2	12	12	NUM
easat-6931	55	3	]	]	PUNCT
easat-6931	55	4	in	in	ADP
easat-6931	55	5	the	the	DET
easat-6931	55	6	study	study	NOUN
easat-6931	55	7	"	"	PUNCT
easat-6931	55	8	proposed	propose	VERB
easat-6931	55	9	solutions	solution	NOUN
easat-6931	55	10	to	to	PART
easat-6931	55	11	increase	increase	VERB
easat-6931	55	12	capital	capital	NOUN
easat-6931	55	13	in	in	ADP
easat-6931	55	14	stateowned	stateowned	ADJ
easat-6931	55	15	commercial	commercial	ADJ
easat-6931	55	16	banks	bank	NOUN
easat-6931	55	17	"	"	PUNCT
easat-6931	55	18	proposed	propose	VERB
easat-6931	55	19	a	a	DET
easat-6931	55	20	number	number	NOUN
easat-6931	55	21	of	of	ADP
easat-6931	55	22	empirical	empirical	ADJ
easat-6931	55	23	solutions	solution	NOUN
easat-6931	55	24	at	at	ADP
easat-6931	55	25	banks	bank	NOUN
easat-6931	55	26	to	to	PART
easat-6931	55	27	address	address	VERB
easat-6931	55	28	the	the	DET
easat-6931	55	29	decline	decline	NOUN
easat-6931	55	30	in	in	ADP
easat-6931	55	31	capital	capital	NOUN
easat-6931	55	32	adequacy	adequacy	NOUN
easat-6931	55	33	ratio	ratio	NOUN
easat-6931	55	34	below	below	ADP
easat-6931	55	35	the	the	DET
easat-6931	55	36	regulated	regulated	ADJ
easat-6931	55	37	level	level	NOUN
easat-6931	55	38	.	.	PUNCT
easat-6931	56	1	the	the	DET
easat-6931	56	2	study	study	NOUN
easat-6931	56	3	stated	state	VERB
easat-6931	56	4	that	that	SCONJ
easat-6931	56	5	main	main	ADJ
easat-6931	56	6	causes	cause	NOUN
easat-6931	56	7	of	of	ADP
easat-6931	56	8	the	the	DET
easat-6931	56	9	decline	decline	NOUN
easat-6931	56	10	in	in	ADP
easat-6931	56	11	capital	capital	NOUN
easat-6931	56	12	adequacy	adequacy	NOUN
easat-6931	56	13	ratio	ratio	NOUN
easat-6931	56	14	(	(	PUNCT
easat-6931	56	15	car	car	NOUN
easat-6931	56	16	)	)	PUNCT
easat-6931	56	17	are	be	AUX
easat-6931	56	18	:	:	PUNCT
easat-6931	56	19	the	the	DET
easat-6931	56	20	bank	bank	NOUN
easat-6931	56	21	's	's	PART
easat-6931	56	22	profitability	profitability	NOUN
easat-6931	56	23	is	be	AUX
easat-6931	56	24	declining	decline	VERB
easat-6931	56	25	,	,	PUNCT
easat-6931	56	26	the	the	DET
easat-6931	56	27	rate	rate	NOUN
easat-6931	56	28	of	of	ADP
easat-6931	56	29	increase	increase	NOUN
easat-6931	56	30	in	in	ADP
easat-6931	56	31	equity	equity	NOUN
easat-6931	56	32	capital	capital	NOUN
easat-6931	56	33	is	be	AUX
easat-6931	56	34	slow	slow	ADJ
easat-6931	56	35	and	and	CCONJ
easat-6931	56	36	risky	risky	ADJ
easat-6931	56	37	assets	asset	NOUN
easat-6931	56	38	are	be	AUX
easat-6931	56	39	increasing	increase	VERB
easat-6931	56	40	.	.	PUNCT
easat-6931	57	1	difficulties	difficulty	NOUN
easat-6931	57	2	in	in	ADP
easat-6931	57	3	increasing	increase	VERB
easat-6931	57	4	capital	capital	NOUN
easat-6931	57	5	at	at	ADP
easat-6931	57	6	commercial	commercial	ADJ
easat-6931	57	7	banks	bank	NOUN
easat-6931	57	8	include	include	VERB
easat-6931	57	9	:	:	PUNCT
easat-6931	57	10	(	(	PUNCT
easat-6931	57	11	i	i	NOUN
easat-6931	57	12	)	)	PUNCT
easat-6931	57	13	increasing	increase	VERB
easat-6931	57	14	capital	capital	NOUN
easat-6931	57	15	from	from	ADP
easat-6931	57	16	the	the	DET
easat-6931	57	17	solution	solution	NOUN
easat-6931	57	18	of	of	ADP
easat-6931	57	19	reducing	reduce	VERB
easat-6931	57	20	dividend	dividend	NOUN
easat-6931	57	21	payments	payment	NOUN
easat-6931	57	22	is	be	AUX
easat-6931	57	23	the	the	DET
easat-6931	57	24	most	most	ADV
easat-6931	57	25	favorable	favorable	ADJ
easat-6931	57	26	solution	solution	NOUN
easat-6931	57	27	for	for	ADP
easat-6931	57	28	banks	bank	NOUN
easat-6931	57	29	;	;	PUNCT
easat-6931	57	30	but	but	CCONJ
easat-6931	57	31	also	also	ADV
easat-6931	57	32	facing	face	VERB
easat-6931	57	33	difficulties	difficulty	NOUN
easat-6931	57	34	because	because	SCONJ
easat-6931	57	35	authorities	authority	NOUN
easat-6931	57	36	require	require	VERB
easat-6931	57	37	all	all	DET
easat-6931	57	38	dividends	dividend	NOUN
easat-6931	57	39	of	of	ADP
easat-6931	57	40	state	state	NOUN
easat-6931	57	41	shareholders	shareholder	NOUN
easat-6931	57	42	to	to	PART
easat-6931	57	43	be	be	AUX
easat-6931	57	44	transferred	transfer	VERB
easat-6931	57	45	to	to	ADP
easat-6931	57	46	the	the	DET
easat-6931	57	47	state	state	NOUN
easat-6931	57	48	budget	budget	NOUN
easat-6931	57	49	;	;	PUNCT
easat-6931	57	50	(	(	PUNCT
easat-6931	57	51	ii	ii	NOUN
easat-6931	57	52	)	)	PUNCT
easat-6931	57	53	increasing	increase	VERB
easat-6931	57	54	capital	capital	NOUN
easat-6931	57	55	from	from	ADP
easat-6931	57	56	issuing	issue	VERB
easat-6931	57	57	additional	additional	ADJ
easat-6931	57	58	shares	share	NOUN
easat-6931	57	59	to	to	ADP
easat-6931	57	60	existing	exist	VERB
easat-6931	57	61	investors	investor	NOUN
easat-6931	57	62	,	,	PUNCT
easat-6931	57	63	attracting	attract	VERB
easat-6931	57	64	more	more	ADJ
easat-6931	57	65	investors	investor	NOUN
easat-6931	57	66	and	and	CCONJ
easat-6931	57	67	selecting	select	VERB
easat-6931	57	68	foreign	foreign	ADJ
easat-6931	57	69	strategic	strategic	ADJ
easat-6931	57	70	investors	investor	NOUN
easat-6931	57	71	.	.	PUNCT
easat-6931	58	1	the	the	DET
easat-6931	58	2	effectiveness	effectiveness	NOUN
easat-6931	58	3	of	of	ADP
easat-6931	58	4	this	this	DET
easat-6931	58	5	solution	solution	NOUN
easat-6931	58	6	depends	depend	VERB
easat-6931	58	7	on	on	ADP
easat-6931	58	8	the	the	DET
easat-6931	58	9	level	level	NOUN
easat-6931	58	10	of	of	ADP
easat-6931	58	11	interest	interest	NOUN
easat-6931	58	12	of	of	ADP
easat-6931	58	13	investors	investor	NOUN
easat-6931	58	14	and	and	CCONJ
easat-6931	58	15	market	market	NOUN
easat-6931	58	16	conditions	condition	NOUN
easat-6931	58	17	;	;	PUNCT
easat-6931	58	18	(	(	PUNCT
easat-6931	58	19	iii	iii	X
easat-6931	58	20	)	)	PUNCT
easat-6931	58	21	increasing	increase	VERB
easat-6931	58	22	capital	capital	NOUN
easat-6931	58	23	from	from	ADP
easat-6931	58	24	saving	save	VERB
easat-6931	58	25	management	management	NOUN
easat-6931	58	26	costs	cost	NOUN
easat-6931	58	27	and	and	CCONJ
easat-6931	58	28	expanding	expand	VERB
easat-6931	58	29	non	non	ADJ
easat-6931	58	30	-	-	ADJ
easat-6931	58	31	interest	interest	ADJ
easat-6931	58	32	income	income	NOUN
easat-6931	58	33	only	only	ADV
easat-6931	58	34	meets	meet	VERB
easat-6931	58	35	with	with	ADP
easat-6931	58	36	a	a	DET
easat-6931	58	37	small	small	ADJ
easat-6931	58	38	portion	portion	NOUN
easat-6931	58	39	of	of	ADP
easat-6931	58	40	capital	capital	NOUN
easat-6931	58	41	increase	increase	NOUN
easat-6931	58	42	demand	demand	NOUN
easat-6931	58	43	;	;	PUNCT
easat-6931	58	44	(	(	PUNCT
easat-6931	58	45	iv	iv	X
easat-6931	58	46	)	)	PUNCT
easat-6931	58	47	increasing	increase	VERB
easat-6931	58	48	capital	capital	NOUN
easat-6931	58	49	from	from	ADP
easat-6931	58	50	supplementing	supplement	VERB
easat-6931	58	51	the	the	DET
easat-6931	58	52	state	state	NOUN
easat-6931	58	53	budget	budget	NOUN
easat-6931	58	54	is	be	AUX
easat-6931	58	55	a	a	DET
easat-6931	58	56	suitable	suitable	ADJ
easat-6931	58	57	solution	solution	NOUN
easat-6931	58	58	for	for	ADP
easat-6931	58	59	state	state	NOUN
easat-6931	58	60	-	-	PUNCT
easat-6931	58	61	owned	own	VERB
easat-6931	58	62	commercial	commercial	ADJ
easat-6931	58	63	banks	bank	NOUN
easat-6931	58	64	;	;	PUNCT
easat-6931	58	65	but	but	CCONJ
easat-6931	58	66	the	the	DET
easat-6931	58	67	effectiveness	effectiveness	NOUN
easat-6931	58	68	depends	depend	VERB
easat-6931	58	69	on	on	ADP
easat-6931	58	70	the	the	DET
easat-6931	58	71	size	size	NOUN
easat-6931	58	72	of	of	ADP
easat-6931	58	73	the	the	DET
easat-6931	58	74	budget	budget	NOUN
easat-6931	58	75	and	and	CCONJ
easat-6931	58	76	the	the	DET
easat-6931	58	77	approval	approval	NOUN
easat-6931	58	78	of	of	ADP
easat-6931	58	79	authorities	authority	NOUN
easat-6931	58	80	according	accord	VERB
easat-6931	58	81	to	to	ADP
easat-6931	58	82	the	the	DET
easat-6931	58	83	macroeconomic	macroeconomic	ADJ
easat-6931	58	84	situation	situation	NOUN
easat-6931	58	85	;	;	PUNCT
easat-6931	58	86	(	(	PUNCT
easat-6931	58	87	v	v	NOUN
easat-6931	58	88	)	)	PUNCT
easat-6931	58	89	increasing	increase	VERB
easat-6931	58	90	capital	capital	NOUN
easat-6931	58	91	from	from	ADP
easat-6931	58	92	increasing	increase	VERB
easat-6931	58	93	profitability	profitability	NOUN
easat-6931	58	94	and	and	CCONJ
easat-6931	58	95	adjusting	adjust	VERB
easat-6931	58	96	the	the	DET
easat-6931	58	97	balance	balance	NOUN
easat-6931	58	98	sheet	sheet	NOUN
easat-6931	58	99	to	to	PART
easat-6931	58	100	reduce	reduce	VERB
easat-6931	58	101	risky	risky	ADJ
easat-6931	58	102	assets	asset	NOUN
easat-6931	58	103	.	.	PUNCT
easat-6931	59	1	accordingly	accordingly	ADV
easat-6931	59	2	,	,	PUNCT
easat-6931	59	3	thanh	thanh	VERB
easat-6931	60	1	[	[	X
easat-6931	60	2	12	12	NUM
easat-6931	60	3	]	]	PUNCT
easat-6931	60	4	proposed	propose	VERB
easat-6931	60	5	a	a	DET
easat-6931	60	6	number	number	NOUN
easat-6931	60	7	of	of	ADP
easat-6931	60	8	solutions	solution	NOUN
easat-6931	60	9	related	relate	VERB
easat-6931	60	10	to	to	ADP
easat-6931	60	11	state	state	NOUN
easat-6931	60	12	policies	policy	NOUN
easat-6931	60	13	and	and	CCONJ
easat-6931	60	14	state	state	NOUN
easat-6931	60	15	-	-	PUNCT
easat-6931	60	16	owned	own	VERB
easat-6931	60	17	commercial	commercial	ADJ
easat-6931	60	18	banks	bank	NOUN
easat-6931	60	19	(	(	PUNCT
easat-6931	60	20	allowing	allow	VERB
easat-6931	60	21	the	the	DET
easat-6931	60	22	use	use	NOUN
easat-6931	60	23	of	of	ADP
easat-6931	60	24	annual	annual	ADJ
easat-6931	60	25	dividends	dividend	NOUN
easat-6931	60	26	to	to	PART
easat-6931	60	27	increase	increase	VERB
easat-6931	60	28	capital	capital	NOUN
easat-6931	60	29	for	for	ADP
easat-6931	60	30	the	the	DET
easat-6931	60	31	following	following	ADJ
easat-6931	60	32	year	year	NOUN
easat-6931	60	33	;	;	PUNCT
easat-6931	60	34	using	use	VERB
easat-6931	60	35	surplus	surplus	ADJ
easat-6931	60	36	resources	resource	NOUN
easat-6931	60	37	due	due	ADP
easat-6931	60	38	to	to	ADP
easat-6931	60	39	the	the	DET
easat-6931	60	40	reduction	reduction	NOUN
easat-6931	60	41	of	of	ADP
easat-6931	60	42	the	the	DET
easat-6931	60	43	state	state	NOUN
easat-6931	60	44	's	's	PART
easat-6931	60	45	ownership	ownership	NOUN
easat-6931	60	46	ratio	ratio	NOUN
easat-6931	60	47	from	from	ADP
easat-6931	60	48	the	the	DET
easat-6931	60	49	sale	sale	NOUN
easat-6931	60	50	of	of	ADP
easat-6931	60	51	financial	financial	ADJ
easat-6931	60	52	investments	investment	NOUN
easat-6931	60	53	,	,	PUNCT
easat-6931	60	54	strategic	strategic	ADJ
easat-6931	60	55	sales	sale	NOUN
easat-6931	60	56	to	to	PART
easat-6931	60	57	make	make	VERB
easat-6931	60	58	advance	advance	NOUN
easat-6931	60	59	payments	payment	NOUN
easat-6931	60	60	of	of	ADP
easat-6931	60	61	dividends	dividend	NOUN
easat-6931	60	62	in	in	ADP
easat-6931	60	63	shares	share	NOUN
easat-6931	60	64	to	to	PART
easat-6931	60	65	increase	increase	VERB
easat-6931	60	66	capital	capital	NOUN
easat-6931	60	67	;	;	PUNCT
easat-6931	60	68	saving	save	VERB
easat-6931	60	69	management	management	NOUN
easat-6931	60	70	costs	cost	NOUN
easat-6931	60	71	;	;	PUNCT
easat-6931	60	72	continuing	continue	VERB
easat-6931	60	73	equitization	equitization	NOUN
easat-6931	60	74	,	,	PUNCT
easat-6931	60	75	reducing	reduce	VERB
easat-6931	60	76	the	the	DET
easat-6931	60	77	state	state	NOUN
easat-6931	60	78	's	's	PART
easat-6931	60	79	ownership	ownership	NOUN
easat-6931	60	80	ratio	ratio	NOUN
easat-6931	60	81	;	;	PUNCT
easat-6931	60	82	selling	sell	VERB
easat-6931	60	83	shares	share	NOUN
easat-6931	60	84	to	to	ADP
easat-6931	60	85	foreign	foreign	ADJ
easat-6931	60	86	strategic	strategic	ADJ
easat-6931	60	87	investors	investor	NOUN
easat-6931	60	88	;	;	PUNCT
easat-6931	60	89	making	make	VERB
easat-6931	60	90	advance	advance	NOUN
easat-6931	60	91	payments	payment	NOUN
easat-6931	60	92	of	of	ADP
easat-6931	60	93	enterprise	enterprise	NOUN
easat-6931	60	94	support	support	NOUN
easat-6931	60	95	funds	fund	NOUN
easat-6931	60	96	to	to	PART
easat-6931	60	97	increase	increase	VERB
easat-6931	60	98	capital	capital	NOUN
easat-6931	60	99	;	;	PUNCT
easat-6931	60	100	and	and	CCONJ
easat-6931	60	101	in	in	ADP
easat-6931	60	102	the	the	DET
easat-6931	60	103	long	long	ADJ
easat-6931	60	104	term	term	NOUN
easat-6931	60	105	,	,	PUNCT
easat-6931	60	106	it	it	PRON
easat-6931	60	107	is	be	AUX
easat-6931	60	108	possible	possible	ADJ
easat-6931	60	109	to	to	PART
easat-6931	60	110	issue	issue	VERB
easat-6931	60	111	bank	bank	NOUN
easat-6931	60	112	bonds	bond	NOUN
easat-6931	60	113	,	,	PUNCT
easat-6931	60	114	speeding	speed	VERB
easat-6931	60	115	up	up	ADP
easat-6931	60	116	the	the	DET
easat-6931	60	117	equitization	equitization	NOUN
easat-6931	60	118	process	process	NOUN
easat-6931	60	119	...	...	PUNCT
easat-6931	60	120	)	)	PUNCT
easat-6931	60	121	.	.	PUNCT
easat-6931	61	1	tung	tung	PROPN
easat-6931	62	1	[	[	X
easat-6931	62	2	13	13	NUM
easat-6931	62	3	]	]	PUNCT
easat-6931	62	4	in	in	ADP
easat-6931	62	5	the	the	DET
easat-6931	62	6	study	study	NOUN
easat-6931	62	7	"	"	PUNCT
easat-6931	62	8	some	some	DET
easat-6931	62	9	recommendations	recommendation	NOUN
easat-6931	62	10	on	on	ADP
easat-6931	62	11	increasing	increase	VERB
easat-6931	62	12	equity	equity	NOUN
easat-6931	62	13	capital	capital	NOUN
easat-6931	62	14	at	at	ADP
easat-6931	62	15	commercial	commercial	ADJ
easat-6931	62	16	banks	bank	NOUN
easat-6931	62	17	"	"	PUNCT
easat-6931	62	18	stated	state	VERB
easat-6931	62	19	that	that	SCONJ
easat-6931	62	20	:	:	PUNCT
easat-6931	62	21	"	"	PUNCT
easat-6931	62	22	to	to	PART
easat-6931	62	23	achieve	achieve	VERB
easat-6931	62	24	the	the	DET
easat-6931	62	25	goal	goal	NOUN
easat-6931	62	26	of	of	ADP
easat-6931	62	27	increasing	increase	VERB
easat-6931	62	28	capital	capital	NOUN
easat-6931	62	29	,	,	PUNCT
easat-6931	62	30	commercial	commercial	ADJ
easat-6931	62	31	banks	bank	NOUN
easat-6931	62	32	should	should	AUX
easat-6931	62	33	focus	focus	VERB
easat-6931	62	34	on	on	ADP
easat-6931	62	35	three	three	NUM
easat-6931	62	36	main	main	ADJ
easat-6931	62	37	solutions	solution	NOUN
easat-6931	62	38	:	:	PUNCT
easat-6931	62	39	issuing	issue	VERB
easat-6931	62	40	shares	share	NOUN
easat-6931	62	41	to	to	PART
easat-6931	62	42	pay	pay	VERB
easat-6931	62	43	dividends	dividend	NOUN
easat-6931	62	44	;	;	PUNCT
easat-6931	62	45	issuing	issue	VERB
easat-6931	62	46	privately	privately	ADV
easat-6931	62	47	;	;	PUNCT
easat-6931	62	48	increasing	increase	VERB
easat-6931	62	49	charter	charter	NOUN
easat-6931	62	50	capital	capital	NOUN
easat-6931	62	51	from	from	ADP
easat-6931	62	52	the	the	DET
easat-6931	62	53	state	state	NOUN
easat-6931	62	54	budget	budget	NOUN
easat-6931	62	55	"	"	PUNCT
easat-6931	62	56	.	.	PUNCT
easat-6931	63	1	also	also	ADV
easat-6931	63	2	on	on	ADP
easat-6931	63	3	this	this	DET
easat-6931	63	4	topic	topic	NOUN
easat-6931	63	5	,	,	PUNCT
easat-6931	63	6	nguyễn	nguyễn	VERB
easat-6931	63	7	[	[	X
easat-6931	63	8	14	14	NUM
easat-6931	63	9	]	]	PUNCT
easat-6931	63	10	in	in	ADP
easat-6931	63	11	"	"	PUNCT
easat-6931	63	12	research	research	NOUN
easat-6931	63	13	on	on	ADP
easat-6931	63	14	basel	basel	PROPN
easat-6931	63	15	iii	iii	PROPN
easat-6931	63	16	implementation	implementation	NOUN
easat-6931	63	17	at	at	ADP
easat-6931	63	18	vietnam	vietnam	PROPN
easat-6931	63	19	’s	’s	PART
easat-6931	63	20	commercial	commercial	ADJ
easat-6931	63	21	banks	bank	NOUN
easat-6931	63	22	"	"	PUNCT
easat-6931	63	23	pointed	point	VERB
easat-6931	63	24	out	out	ADP
easat-6931	63	25	groups	group	NOUN
easat-6931	63	26	of	of	ADP
easat-6931	63	27	solutions	solution	NOUN
easat-6931	63	28	to	to	PART
easat-6931	63	29	increase	increase	VERB
easat-6931	63	30	capital	capital	NOUN
easat-6931	63	31	such	such	ADJ
easat-6931	63	32	as	as	ADP
easat-6931	63	33	increasing	increase	VERB
easat-6931	63	34	securities	security	NOUN
easat-6931	63	35	capital	capital	NOUN
easat-6931	63	36	,	,	PUNCT
easat-6931	63	37	increasing	increase	VERB
easat-6931	63	38	state	state	NOUN
easat-6931	63	39	capital	capital	NOUN
easat-6931	63	40	,	,	PUNCT
easat-6931	63	41	increasing	increase	VERB
easat-6931	63	42	capital	capital	NOUN
easat-6931	63	43	from	from	ADP
easat-6931	63	44	banking	banking	NOUN
easat-6931	63	45	business	business	NOUN
easat-6931	63	46	activities	activity	NOUN
easat-6931	63	47	.	.	PUNCT
easat-6931	64	1	according	accord	VERB
easat-6931	64	2	to	to	ADP
easat-6931	64	3	basel	basel	PROPN
easat-6931	64	4	committee	committee	PROPN
easat-6931	64	5	on	on	ADP
easat-6931	64	6	banking	banking	NOUN
easat-6931	64	7	supervision	supervision	NOUN
easat-6931	64	8	(	(	PUNCT
easat-6931	64	9	bis	bis	INTJ
easat-6931	64	10	)	)	PUNCT
easat-6931	65	1	[	[	X
easat-6931	65	2	2	2	NUM
easat-6931	65	3	]	]	PUNCT
easat-6931	65	4	and	and	CCONJ
easat-6931	65	5	basel	basel	PROPN
easat-6931	65	6	committee	committee	PROPN
easat-6931	65	7	on	on	ADP
easat-6931	65	8	banking	banking	NOUN
easat-6931	65	9	supervision	supervision	NOUN
easat-6931	65	10	(	(	PUNCT
easat-6931	65	11	bis	bis	INTJ
easat-6931	65	12	)	)	PUNCT
easat-6931	66	1	[	[	X
easat-6931	66	2	3	3	X
easat-6931	66	3	]	]	X
easat-6931	66	4	basel	basel	PROPN
easat-6931	66	5	iii	iii	PROPN
easat-6931	66	6	capital	capital	PROPN
easat-6931	66	7	buffers	buffer	NOUN
easat-6931	66	8	(	(	PUNCT
easat-6931	66	9	ccob	ccob	PROPN
easat-6931	66	10	,	,	PUNCT
easat-6931	66	11	ccyb	ccyb	PROPN
easat-6931	66	12	,	,	PUNCT
easat-6931	66	13	gsib	gsib	NOUN
easat-6931	66	14	,	,	PUNCT
easat-6931	66	15	dsib	dsib	PROPN
easat-6931	66	16	)	)	PUNCT
easat-6931	66	17	to	to	PART
easat-6931	66	18	ensure	ensure	VERB
easat-6931	66	19	banks	bank	NOUN
easat-6931	66	20	’	’	PART
easat-6931	66	21	macroprudential	macroprudential	ADJ
easat-6931	66	22	status	status	NOUN
easat-6931	66	23	should	should	AUX
easat-6931	66	24	be	be	AUX
easat-6931	66	25	implemented	implement	VERB
easat-6931	66	26	under	under	ADP
easat-6931	66	27	:	:	PUNCT
easat-6931	66	28	(	(	PUNCT
easat-6931	66	29	i	i	NOUN
easat-6931	66	30	)	)	PUNCT
easat-6931	66	31	a	a	DET
easat-6931	66	32	legal	legal	ADJ
easat-6931	66	33	framework	framework	NOUN
easat-6931	66	34	to	to	PART
easat-6931	66	35	support	support	VERB
easat-6931	66	36	banks	bank	NOUN
easat-6931	66	37	in	in	ADP
easat-6931	66	38	implementing	implement	VERB
easat-6931	66	39	capital	capital	NOUN
easat-6931	66	40	regulations	regulation	NOUN
easat-6931	66	41	,	,	PUNCT
easat-6931	66	42	buffers	buffer	NOUN
easat-6931	66	43	and	and	CCONJ
easat-6931	66	44	other	other	ADJ
easat-6931	66	45	regulations	regulation	NOUN
easat-6931	66	46	of	of	ADP
easat-6931	66	47	basel	basel	PROPN
easat-6931	66	48	iii	iii	PROPN
easat-6931	66	49	;	;	PUNCT
easat-6931	66	50	(	(	PUNCT
easat-6931	66	51	ii	ii	NOUN
easat-6931	66	52	)	)	PUNCT
easat-6931	66	53	the	the	DET
easat-6931	66	54	important	important	ADJ
easat-6931	66	55	role	role	NOUN
easat-6931	66	56	of	of	ADP
easat-6931	66	57	banking	banking	NOUN
easat-6931	66	58	supervisors	supervisor	NOUN
easat-6931	66	59	in	in	ADP
easat-6931	66	60	supervising	supervise	VERB
easat-6931	66	61	safety	safety	NOUN
easat-6931	66	62	,	,	PUNCT
easat-6931	66	63	requiring	require	VERB
easat-6931	66	64	inspection	inspection	NOUN
easat-6931	66	65	of	of	ADP
easat-6931	66	66	banks	bank	NOUN
easat-6931	66	67	implementing	implement	VERB
easat-6931	66	68	the	the	DET
easat-6931	66	69	internal	internal	ADJ
easat-6931	66	70	capital	capital	NOUN
easat-6931	66	71	adequacy	adequacy	NOUN
easat-6931	66	72	assessment	assessment	NOUN
easat-6931	66	73	process	process	NOUN
easat-6931	66	74	(	(	PUNCT
easat-6931	66	75	icaap	icaap	NOUN
easat-6931	66	76	)	)	PUNCT
easat-6931	66	77	,	,	PUNCT
easat-6931	66	78	the	the	DET
easat-6931	66	79	internal	internal	ADJ
easat-6931	66	80	liquidity	liquidity	NOUN
easat-6931	66	81	adequacy	adequacy	NOUN
easat-6931	66	82	assessment	assessment	NOUN
easat-6931	66	83	process	process	NOUN
easat-6931	66	84	(	(	PUNCT
easat-6931	66	85	ilaap	ilaap	ADJ
easat-6931	66	86	)	)	PUNCT
easat-6931	66	87	;	;	PUNCT
easat-6931	66	88	(	(	PUNCT
easat-6931	66	89	iii	iii	X
easat-6931	66	90	)	)	PUNCT
easat-6931	66	91	regulations	regulation	NOUN
easat-6931	66	92	on	on	ADP
easat-6931	66	93	important	important	ADJ
easat-6931	66	94	bank	bank	NOUN
easat-6931	66	95	ratings	rating	NOUN
easat-6931	66	96	gsib	gsib	NOUN
easat-6931	66	97	,	,	PUNCT
easat-6931	66	98	dsib	dsib	PROPN
easat-6931	66	99	;	;	PUNCT
easat-6931	66	100	(	(	PUNCT
easat-6931	66	101	iv	iv	X
easat-6931	66	102	)	)	PUNCT
easat-6931	66	103	orientation	orientation	NOUN
easat-6931	66	104	for	for	ADP
easat-6931	66	105	developing	develop	VERB
easat-6931	66	106	independent	independent	ADJ
easat-6931	66	107	credit	credit	NOUN
easat-6931	66	108	rating	rating	NOUN
easat-6931	66	109	organizations	organization	NOUN
easat-6931	66	110	,	,	PUNCT
easat-6931	66	111	auditors	auditor	NOUN
easat-6931	66	112	,	,	PUNCT
easat-6931	66	113	providing	provide	VERB
easat-6931	66	114	basel	basel	PROPN
easat-6931	66	115	iii	iii	PROPN
easat-6931	66	116	technology	technology	NOUN
easat-6931	66	117	services	service	NOUN
easat-6931	66	118	.	.	PUNCT
easat-6931	67	1	also	also	ADV
easat-6931	67	2	on	on	ADP
easat-6931	67	3	this	this	DET
easat-6931	67	4	topic	topic	NOUN
easat-6931	67	5	,	,	PUNCT
easat-6931	67	6	nguyễn	nguyễn	VERB
easat-6931	67	7	[	[	X
easat-6931	67	8	14	14	NUM
easat-6931	67	9	]	]	PUNCT
easat-6931	67	10	in	in	ADP
easat-6931	67	11	"	"	PUNCT
easat-6931	67	12	research	research	NOUN
easat-6931	67	13	on	on	ADP
easat-6931	67	14	basel	basel	PROPN
easat-6931	67	15	iii	iii	PROPN
easat-6931	67	16	implementation	implementation	NOUN
easat-6931	67	17	at	at	ADP
easat-6931	67	18	vietnam	vietnam	PROPN
easat-6931	67	19	’s	’s	PART
easat-6931	67	20	commercial	commercial	ADJ
easat-6931	67	21	banks	bank	NOUN
easat-6931	67	22	"	"	PUNCT
easat-6931	67	23	surveyed	survey	VERB
easat-6931	67	24	and	and	CCONJ
easat-6931	67	25	assessed	assess	VERB
easat-6931	67	26	the	the	DET
easat-6931	67	27	current	current	ADJ
easat-6931	67	28	status	status	NOUN
easat-6931	67	29	of	of	ADP
easat-6931	67	30	basel	basel	PROPN
easat-6931	67	31	ii	ii	PROPN
easat-6931	67	32	/	/	SYM
easat-6931	67	33	iii	iii	PROPN
easat-6931	67	34	implementation	implementation	NOUN
easat-6931	67	35	at	at	ADP
easat-6931	67	36	115	115	NUM
easat-6931	67	37	credit	credit	NOUN
easat-6931	67	38	institutions	institution	NOUN
easat-6931	67	39	operating	operate	VERB
easat-6931	67	40	in	in	ADP
easat-6931	67	41	vietnam	vietnam	PROPN
easat-6931	67	42	;	;	PUNCT
easat-6931	67	43	pointed	point	VERB
easat-6931	67	44	out	out	ADP
easat-6931	67	45	groups	group	NOUN
easat-6931	67	46	of	of	ADP
easat-6931	67	47	solutions	solution	NOUN
easat-6931	67	48	to	to	PART
easat-6931	67	49	implement	implement	VERB
easat-6931	67	50	basel	basel	PROPN
easat-6931	67	51	iii	iii	PROPN
easat-6931	67	52	including	include	VERB
easat-6931	67	53	:	:	PUNCT
easat-6931	67	54	group	group	NOUN
easat-6931	67	55	of	of	ADP
easat-6931	67	56	solutions	solution	NOUN
easat-6931	67	57	to	to	PART
easat-6931	67	58	increase	increase	VERB
easat-6931	67	59	capital	capital	NOUN
easat-6931	67	60	,	,	PUNCT
easat-6931	67	61	strategic	strategic	ADJ
easat-6931	67	62	solutions	solution	NOUN
easat-6931	67	63	,	,	PUNCT
easat-6931	67	64	technology	technology	NOUN
easat-6931	67	65	solutions	solution	NOUN
easat-6931	67	66	,	,	PUNCT
easat-6931	67	67	human	human	ADJ
easat-6931	67	68	resources	resource	NOUN
easat-6931	67	69	solutions	solution	NOUN
easat-6931	67	70	,	,	PUNCT
easat-6931	67	71	banking	banking	NOUN
easat-6931	67	72	system	system	NOUN
easat-6931	67	73	527	527	NUM
easat-6931	67	74	edelweiss	edelweiss	PROPN
easat-6931	67	75	applied	apply	VERB
easat-6931	67	76	science	science	NOUN
easat-6931	67	77	and	and	CCONJ
easat-6931	67	78	technology	technology	NOUN
easat-6931	67	79	issn	issn	PROPN
easat-6931	67	80	:	:	PUNCT
easat-6931	67	81	2576	2576	NUM
easat-6931	67	82	-	-	SYM
easat-6931	67	83	8484	8484	NUM
easat-6931	67	84	vol	vol	NOUN
easat-6931	67	85	.	.	PROPN
easat-6931	68	1	9	9	NUM
easat-6931	68	2	,	,	PUNCT
easat-6931	68	3	no	no	INTJ
easat-6931	68	4	.	.	NOUN
easat-6931	68	5	5	5	NUM
easat-6931	68	6	:	:	PUNCT
easat-6931	68	7	524	524	NUM
easat-6931	68	8	-	-	SYM
easat-6931	68	9	536	536	NUM
easat-6931	68	10	,	,	PUNCT
easat-6931	68	11	2025	2025	NUM
easat-6931	68	12	doi	doi	NOUN
easat-6931	68	13	:	:	PUNCT
easat-6931	68	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	68	15	©	©	PROPN
easat-6931	68	16	2025	2025	NUM
easat-6931	68	17	by	by	ADP
easat-6931	68	18	the	the	DET
easat-6931	68	19	authors	author	NOUN
easat-6931	68	20	;	;	PUNCT
easat-6931	68	21	licensee	licensee	PROPN
easat-6931	68	22	learning	learn	VERB
easat-6931	68	23	gate	gate	NOUN
easat-6931	68	24	solutions	solution	NOUN
easat-6931	68	25	(	(	PUNCT
easat-6931	68	26	orientation	orientation	NOUN
easat-6931	68	27	of	of	ADP
easat-6931	68	28	authorities	authority	NOUN
easat-6931	68	29	;	;	PUNCT
easat-6931	68	30	role	role	NOUN
easat-6931	68	31	of	of	ADP
easat-6931	68	32	banking	banking	NOUN
easat-6931	68	33	supervision	supervision	NOUN
easat-6931	68	34	agencies	agency	NOUN
easat-6931	68	35	;	;	PUNCT
easat-6931	68	36	development	development	NOUN
easat-6931	68	37	of	of	ADP
easat-6931	68	38	credit	credit	NOUN
easat-6931	68	39	rating	rating	NOUN
easat-6931	68	40	networks	network	NOUN
easat-6931	68	41	and	and	CCONJ
easat-6931	68	42	the	the	DET
easat-6931	68	43	role	role	NOUN
easat-6931	68	44	of	of	ADP
easat-6931	68	45	third	third	ADJ
easat-6931	68	46	parties	party	NOUN
easat-6931	68	47	in	in	ADP
easat-6931	68	48	providing	provide	VERB
easat-6931	68	49	banking	banking	NOUN
easat-6931	68	50	technology	technology	NOUN
easat-6931	68	51	services	service	NOUN
easat-6931	68	52	...	...	PUNCT
easat-6931	68	53	)	)	PUNCT
easat-6931	68	54	;	;	PUNCT
easat-6931	68	55	and	and	CCONJ
easat-6931	68	56	a	a	DET
easat-6931	68	57	group	group	NOUN
easat-6931	68	58	of	of	ADP
easat-6931	68	59	solutions	solution	NOUN
easat-6931	68	60	related	relate	VERB
easat-6931	68	61	to	to	ADP
easat-6931	68	62	the	the	DET
easat-6931	68	63	regression	regression	NOUN
easat-6931	68	64	model	model	NOUN
easat-6931	68	65	of	of	ADP
easat-6931	68	66	the	the	DET
easat-6931	68	67	relationship	relationship	NOUN
easat-6931	68	68	between	between	ADP
easat-6931	68	69	the	the	DET
easat-6931	68	70	level	level	NOUN
easat-6931	68	71	of	of	ADP
easat-6931	68	72	basel	basel	PROPN
easat-6931	68	73	iii	iii	PROPN
easat-6931	68	74	implementation	implementation	NOUN
easat-6931	68	75	and	and	CCONJ
easat-6931	68	76	some	some	DET
easat-6931	68	77	key	key	ADJ
easat-6931	68	78	solutions	solution	NOUN
easat-6931	68	79	.	.	PUNCT
easat-6931	69	1	on	on	ADP
easat-6931	69	2	the	the	DET
easat-6931	69	3	difficulties	difficulty	NOUN
easat-6931	69	4	and	and	CCONJ
easat-6931	69	5	challenges	challenge	NOUN
easat-6931	69	6	in	in	ADP
easat-6931	69	7	implementing	implement	VERB
easat-6931	69	8	basel	basel	PROPN
easat-6931	69	9	iii	iii	PROPN
easat-6931	69	10	,	,	PUNCT
easat-6931	69	11	when	when	SCONJ
easat-6931	69	12	conducting	conduct	VERB
easat-6931	69	13	research	research	NOUN
easat-6931	69	14	in	in	ADP
easat-6931	69	15	developing	develop	VERB
easat-6931	69	16	countries	country	NOUN
easat-6931	69	17	,	,	PUNCT
easat-6931	69	18	ferreira	ferreira	PROPN
easat-6931	69	19	,	,	PUNCT
easat-6931	69	20	et	et	PROPN
easat-6931	69	21	al	al	PROPN
easat-6931	69	22	.	.	PUNCT
easat-6931	70	1	[	[	X
easat-6931	70	2	1	1	X
easat-6931	70	3	]	]	PUNCT
easat-6931	70	4	argued	argue	VERB
easat-6931	70	5	that	that	SCONJ
easat-6931	70	6	the	the	DET
easat-6931	70	7	persistent	persistent	ADJ
easat-6931	70	8	weakness	weakness	NOUN
easat-6931	70	9	of	of	ADP
easat-6931	70	10	developing	develop	VERB
easat-6931	70	11	countries	country	NOUN
easat-6931	70	12	comes	come	VERB
easat-6931	70	13	from	from	ADP
easat-6931	70	14	the	the	DET
easat-6931	70	15	ability	ability	NOUN
easat-6931	70	16	to	to	PART
easat-6931	70	17	monitor	monitor	VERB
easat-6931	70	18	the	the	DET
easat-6931	70	19	system	system	NOUN
easat-6931	70	20	.	.	PUNCT
easat-6931	71	1	accordingly	accordingly	ADV
easat-6931	71	2	,	,	PUNCT
easat-6931	71	3	the	the	DET
easat-6931	71	4	weakness	weakness	NOUN
easat-6931	71	5	mainly	mainly	ADV
easat-6931	71	6	comes	come	VERB
easat-6931	71	7	from	from	ADP
easat-6931	71	8	following	follow	VERB
easat-6931	71	9	reasons	reason	NOUN
easat-6931	71	10	:	:	PUNCT
easat-6931	71	11	inappropriate	inappropriate	ADJ
easat-6931	71	12	institutional	institutional	ADJ
easat-6931	71	13	setup	setup	NOUN
easat-6931	71	14	;	;	PUNCT
easat-6931	71	15	lack	lack	NOUN
easat-6931	71	16	of	of	ADP
easat-6931	71	17	human	human	ADJ
easat-6931	71	18	resources	resource	NOUN
easat-6931	71	19	with	with	ADP
easat-6931	71	20	suitable	suitable	ADJ
easat-6931	71	21	knowledge	knowledge	NOUN
easat-6931	71	22	and	and	CCONJ
easat-6931	71	23	experience	experience	NOUN
easat-6931	71	24	;	;	PUNCT
easat-6931	71	25	analytical	analytical	ADJ
easat-6931	71	26	tools	tool	NOUN
easat-6931	71	27	do	do	AUX
easat-6931	71	28	not	not	PART
easat-6931	71	29	produce	produce	VERB
easat-6931	71	30	appropriate	appropriate	ADJ
easat-6931	71	31	results	result	NOUN
easat-6931	71	32	to	to	PART
easat-6931	71	33	predict	predict	VERB
easat-6931	71	34	future	future	ADJ
easat-6931	71	35	development	development	NOUN
easat-6931	71	36	directions	direction	NOUN
easat-6931	71	37	;	;	PUNCT
easat-6931	71	38	loose	loose	ADJ
easat-6931	71	39	credit	credit	NOUN
easat-6931	71	40	risk	risk	NOUN
easat-6931	71	41	standards	standard	NOUN
easat-6931	71	42	;	;	PUNCT
easat-6931	71	43	inappropriate	inappropriate	ADJ
easat-6931	71	44	liquidity	liquidity	NOUN
easat-6931	71	45	risk	risk	NOUN
easat-6931	71	46	standards	standard	NOUN
easat-6931	71	47	and	and	CCONJ
easat-6931	71	48	monitoring	monitoring	NOUN
easat-6931	71	49	;	;	PUNCT
easat-6931	71	50	inappropriate	inappropriate	ADJ
easat-6931	71	51	governance	governance	NOUN
easat-6931	71	52	capacity	capacity	NOUN
easat-6931	71	53	;	;	PUNCT
easat-6931	71	54	weak	weak	ADJ
easat-6931	71	55	enforcement	enforcement	NOUN
easat-6931	71	56	capacity	capacity	NOUN
easat-6931	71	57	.	.	PUNCT
easat-6931	72	1	despite	despite	SCONJ
easat-6931	72	2	similar	similar	ADJ
easat-6931	72	3	comments	comment	NOUN
easat-6931	72	4	,	,	PUNCT
easat-6931	72	5	casier	casier	NOUN
easat-6931	72	6	and	and	CCONJ
easat-6931	72	7	raskopf	raskopf	VERB
easat-6931	72	8	[	[	X
easat-6931	72	9	15	15	NUM
easat-6931	72	10	]	]	PUNCT
easat-6931	72	11	when	when	SCONJ
easat-6931	72	12	conducting	conduct	VERB
easat-6931	72	13	research	research	NOUN
easat-6931	72	14	in	in	ADP
easat-6931	72	15	metac	metac	ADJ
easat-6931	72	16	member	member	NOUN
easat-6931	72	17	countries	country	NOUN
easat-6931	72	18	,	,	PUNCT
easat-6931	72	19	delved	delve	VERB
easat-6931	72	20	deeper	deeply	ADV
easat-6931	72	21	into	into	ADP
easat-6931	72	22	factors	factor	NOUN
easat-6931	72	23	that	that	PRON
easat-6931	72	24	prevent	prevent	VERB
easat-6931	72	25	basel	basel	PROPN
easat-6931	72	26	iii	iii	PROPN
easat-6931	72	27	implementation	implementation	NOUN
easat-6931	72	28	.	.	PUNCT
easat-6931	73	1	accordingly	accordingly	ADV
easat-6931	73	2	,	,	PUNCT
easat-6931	73	3	top	top	ADJ
easat-6931	73	4	4	4	NUM
easat-6931	73	5	reasons	reason	NOUN
easat-6931	73	6	pointed	point	VERB
easat-6931	73	7	out	out	ADP
easat-6931	73	8	by	by	ADP
easat-6931	73	9	casier	casier	NOUN
easat-6931	73	10	and	and	CCONJ
easat-6931	73	11	raskopf	raskopf	VERB
easat-6931	74	1	[	[	X
easat-6931	74	2	15	15	NUM
easat-6931	74	3	]	]	PUNCT
easat-6931	74	4	include	include	VERB
easat-6931	74	5	:	:	PUNCT
easat-6931	74	6	supervisory	supervisory	ADJ
easat-6931	74	7	team	team	NOUN
easat-6931	74	8	capacity	capacity	NOUN
easat-6931	74	9	,	,	PUNCT
easat-6931	74	10	infrastructure	infrastructure	NOUN
easat-6931	74	11	development	development	NOUN
easat-6931	74	12	and	and	CCONJ
easat-6931	74	13	it	it	PRON
easat-6931	74	14	implementation	implementation	NOUN
easat-6931	74	15	capabilities	capability	NOUN
easat-6931	74	16	,	,	PUNCT
easat-6931	74	17	changing	change	VERB
easat-6931	74	18	old	old	ADJ
easat-6931	74	19	thinking	thinking	NOUN
easat-6931	74	20	towards	towards	ADP
easat-6931	74	21	risk	risk	NOUN
easat-6931	74	22	control	control	NOUN
easat-6931	74	23	,	,	PUNCT
easat-6931	74	24	and	and	CCONJ
easat-6931	74	25	lack	lack	NOUN
easat-6931	74	26	of	of	ADP
easat-6931	74	27	necessary	necessary	ADJ
easat-6931	74	28	human	human	ADJ
easat-6931	74	29	resources	resource	NOUN
easat-6931	74	30	.	.	PUNCT
easat-6931	75	1	thus	thus	ADV
easat-6931	75	2	,	,	PUNCT
easat-6931	75	3	comparing	compare	VERB
easat-6931	75	4	two	two	NUM
easat-6931	75	5	studies	study	NOUN
easat-6931	75	6	with	with	ADP
easat-6931	75	7	different	different	ADJ
easat-6931	75	8	research	research	NOUN
easat-6931	75	9	subjects	subject	NOUN
easat-6931	75	10	,	,	PUNCT
easat-6931	75	11	it	it	PRON
easat-6931	75	12	can	can	AUX
easat-6931	75	13	be	be	AUX
easat-6931	75	14	seen	see	VERB
easat-6931	75	15	that	that	SCONJ
easat-6931	75	16	the	the	DET
easat-6931	75	17	human	human	ADJ
easat-6931	75	18	factor	factor	NOUN
easat-6931	75	19	is	be	AUX
easat-6931	75	20	the	the	DET
easat-6931	75	21	most	most	ADV
easat-6931	75	22	common	common	ADJ
easat-6931	75	23	factor	factor	NOUN
easat-6931	75	24	mentioned	mention	VERB
easat-6931	75	25	throughout	throughout	ADP
easat-6931	75	26	these	these	DET
easat-6931	75	27	two	two	NUM
easat-6931	75	28	studies	study	NOUN
easat-6931	75	29	.	.	PUNCT
easat-6931	76	1	difficulties	difficulty	NOUN
easat-6931	76	2	and	and	CCONJ
easat-6931	76	3	challenges	challenge	NOUN
easat-6931	76	4	in	in	ADP
easat-6931	76	5	implementing	implement	VERB
easat-6931	76	6	basel	basel	PROPN
easat-6931	76	7	iii	iii	PROPN
easat-6931	76	8	are	be	AUX
easat-6931	76	9	also	also	ADV
easat-6931	76	10	pointed	point	VERB
easat-6931	76	11	out	out	ADP
easat-6931	76	12	by	by	ADP
easat-6931	76	13	chabanel	chabanel	NOUN
easat-6931	76	14	[	[	X
easat-6931	76	15	16	16	NUM
easat-6931	76	16	]	]	X
easat-6931	76	17	;	;	PUNCT
easat-6931	76	18	suarez	suarez	PROPN
easat-6931	77	1	[	[	X
easat-6931	77	2	17	17	NUM
easat-6931	77	3	]	]	PUNCT
easat-6931	77	4	;	;	PUNCT
easat-6931	77	5	uprety	uprety	NOUN
easat-6931	77	6	[	[	X
easat-6931	77	7	18	18	NUM
easat-6931	77	8	]	]	PUNCT
easat-6931	77	9	and	and	CCONJ
easat-6931	77	10	vousinas	vousina	NOUN
easat-6931	77	11	[	[	X
easat-6931	77	12	19	19	NUM
easat-6931	77	13	]	]	PUNCT
easat-6931	77	14	in	in	ADP
easat-6931	77	15	the	the	DET
easat-6931	77	16	studies	study	NOUN
easat-6931	77	17	"	"	PUNCT
easat-6931	77	18	implementing	implement	VERB
easat-6931	77	19	basel	basel	PROPN
easat-6931	77	20	iii	iii	PROPN
easat-6931	77	21	:	:	PUNCT
easat-6931	77	22	challenges	challenge	NOUN
easat-6931	77	23	,	,	PUNCT
easat-6931	77	24	options	option	NOUN
easat-6931	77	25	&	&	CCONJ
easat-6931	77	26	opportunities	opportunity	NOUN
easat-6931	77	27	"	"	PUNCT
easat-6931	77	28	,	,	PUNCT
easat-6931	77	29	"	"	PUNCT
easat-6931	77	30	basel	basel	PROPN
easat-6931	77	31	iii	iii	PROPN
easat-6931	77	32	in	in	ADP
easat-6931	77	33	chile	chile	PROPN
easat-6931	77	34	:	:	PUNCT
easat-6931	77	35	advantages	advantage	NOUN
easat-6931	77	36	,	,	PUNCT
easat-6931	77	37	disadvantages	disadvantage	NOUN
easat-6931	77	38	and	and	CCONJ
easat-6931	77	39	challenges	challenge	NOUN
easat-6931	77	40	from	from	ADP
easat-6931	77	41	implementing	implement	VERB
easat-6931	77	42	the	the	DET
easat-6931	77	43	new	new	ADJ
easat-6931	77	44	bank	bank	NOUN
easat-6931	77	45	capital	capital	PROPN
easat-6931	77	46	standard	standard	NOUN
easat-6931	77	47	"	"	PUNCT
easat-6931	77	48	,	,	PUNCT
easat-6931	77	49	"	"	PUNCT
easat-6931	77	50	basel	basel	PROPN
easat-6931	77	51	iii	iii	PROPN
easat-6931	77	52	implementation	implementation	NOUN
easat-6931	77	53	:	:	PUNCT
easat-6931	77	54	challenges	challenge	NOUN
easat-6931	77	55	and	and	CCONJ
easat-6931	77	56	opportunities	opportunity	NOUN
easat-6931	77	57	in	in	ADP
easat-6931	77	58	nepal	nepal	ADJ
easat-6931	77	59	"	"	PUNCT
easat-6931	77	60	,	,	PUNCT
easat-6931	77	61	"	"	PUNCT
easat-6931	77	62	supervision	supervision	NOUN
easat-6931	77	63	of	of	ADP
easat-6931	77	64	financial	financial	ADJ
easat-6931	77	65	institutions	institution	NOUN
easat-6931	77	66	.	.	PUNCT
easat-6931	78	1	the	the	DET
easat-6931	78	2	transition	transition	NOUN
easat-6931	78	3	from	from	ADP
easat-6931	78	4	basel	basel	PROPN
easat-6931	78	5	i	i	PROPN
easat-6931	78	6	to	to	ADP
easat-6931	78	7	basel	basel	PROPN
easat-6931	78	8	iii	iii	PROPN
easat-6931	78	9	.	.	PUNCT
easat-6931	79	1	a	a	DET
easat-6931	79	2	critical	critical	ADJ
easat-6931	79	3	evaluation	evaluation	NOUN
easat-6931	79	4	of	of	ADP
easat-6931	79	5	the	the	DET
easat-6931	79	6	newly	newly	ADV
easat-6931	79	7	established	establish	VERB
easat-6931	79	8	regulatory	regulatory	ADJ
easat-6931	79	9	framework	framework	NOUN
easat-6931	79	10	”	"	PUNCT
easat-6931	79	11	.	.	PUNCT
easat-6931	80	1	in	in	ADP
easat-6931	80	2	addition	addition	NOUN
easat-6931	80	3	to	to	ADP
easat-6931	80	4	the	the	DET
easat-6931	80	5	human	human	ADJ
easat-6931	80	6	factor	factor	NOUN
easat-6931	80	7	,	,	PUNCT
easat-6931	80	8	the	the	DET
easat-6931	80	9	technological	technological	ADJ
easat-6931	80	10	factor	factor	NOUN
easat-6931	80	11	to	to	PART
easat-6931	80	12	establish	establish	VERB
easat-6931	80	13	a	a	DET
easat-6931	80	14	predictive	predictive	ADJ
easat-6931	80	15	model	model	NOUN
easat-6931	80	16	is	be	AUX
easat-6931	80	17	also	also	ADV
easat-6931	80	18	mentioned	mention	VERB
easat-6931	80	19	in	in	ADP
easat-6931	80	20	these	these	DET
easat-6931	80	21	two	two	NUM
easat-6931	80	22	studies	study	NOUN
easat-6931	80	23	.	.	PUNCT
easat-6931	81	1	for	for	ADP
easat-6931	81	2	developing	develop	VERB
easat-6931	81	3	countries	country	NOUN
easat-6931	81	4	,	,	PUNCT
easat-6931	81	5	due	due	ADP
easat-6931	81	6	to	to	ADP
easat-6931	81	7	infrastructure	infrastructure	NOUN
easat-6931	81	8	factors	factor	NOUN
easat-6931	81	9	,	,	PUNCT
easat-6931	81	10	along	along	ADP
easat-6931	81	11	with	with	ADP
easat-6931	81	12	human	human	ADJ
easat-6931	81	13	resources	resource	NOUN
easat-6931	81	14	that	that	PRON
easat-6931	81	15	do	do	AUX
easat-6931	81	16	not	not	PART
easat-6931	81	17	meet	meet	VERB
easat-6931	81	18	the	the	DET
easat-6931	81	19	development	development	NOUN
easat-6931	81	20	requirements	requirement	NOUN
easat-6931	81	21	of	of	ADP
easat-6931	81	22	technology	technology	NOUN
easat-6931	81	23	,	,	PUNCT
easat-6931	81	24	building	build	VERB
easat-6931	81	25	data	data	NOUN
easat-6931	81	26	processing	processing	NOUN
easat-6931	81	27	models	model	NOUN
easat-6931	81	28	,	,	PUNCT
easat-6931	81	29	collecting	collect	VERB
easat-6931	81	30	data	datum	NOUN
easat-6931	81	31	,	,	PUNCT
easat-6931	81	32	and	and	CCONJ
easat-6931	81	33	using	use	VERB
easat-6931	81	34	model	model	NOUN
easat-6931	81	35	results	result	NOUN
easat-6931	81	36	to	to	PART
easat-6931	81	37	build	build	VERB
easat-6931	81	38	scenarios	scenario	NOUN
easat-6931	81	39	according	accord	VERB
easat-6931	81	40	to	to	ADP
easat-6931	81	41	basel	basel	PROPN
easat-6931	81	42	iii	iii	PROPN
easat-6931	81	43	regulations	regulation	NOUN
easat-6931	81	44	also	also	ADV
easat-6931	81	45	faces	face	VERB
easat-6931	81	46	many	many	ADJ
easat-6931	81	47	difficulties	difficulty	NOUN
easat-6931	81	48	[	[	X
easat-6931	81	49	16	16	NUM
easat-6931	81	50	]	]	PUNCT
easat-6931	81	51	.	.	PUNCT
easat-6931	82	1	therefore	therefore	ADV
easat-6931	82	2	,	,	PUNCT
easat-6931	82	3	it	it	PRON
easat-6931	82	4	can	can	AUX
easat-6931	82	5	be	be	AUX
easat-6931	82	6	concluded	conclude	VERB
easat-6931	82	7	that	that	SCONJ
easat-6931	82	8	these	these	DET
easat-6931	82	9	factors	factor	NOUN
easat-6931	82	10	will	will	AUX
easat-6931	82	11	be	be	AUX
easat-6931	82	12	main	main	ADJ
easat-6931	82	13	difficulties	difficulty	NOUN
easat-6931	82	14	that	that	SCONJ
easat-6931	82	15	developing	develop	VERB
easat-6931	82	16	countries	country	NOUN
easat-6931	82	17	will	will	AUX
easat-6931	82	18	face	face	VERB
easat-6931	82	19	when	when	SCONJ
easat-6931	82	20	making	make	VERB
easat-6931	82	21	the	the	DET
easat-6931	82	22	transition	transition	NOUN
easat-6931	82	23	to	to	ADP
easat-6931	82	24	applying	apply	VERB
easat-6931	82	25	international	international	ADJ
easat-6931	82	26	accounting	accounting	NOUN
easat-6931	82	27	standards	standard	NOUN
easat-6931	82	28	(	(	PUNCT
easat-6931	82	29	ifrs9	ifrs9	X
easat-6931	82	30	)	)	PUNCT
easat-6931	82	31	and	and	CCONJ
easat-6931	82	32	using	use	VERB
easat-6931	82	33	key	key	ADJ
easat-6931	82	34	technologies	technology	NOUN
easat-6931	82	35	related	relate	VERB
easat-6931	82	36	to	to	ADP
easat-6931	82	37	basel	basel	PROPN
easat-6931	82	38	iii	iii	PROPN
easat-6931	82	39	(	(	PUNCT
easat-6931	82	40	automation	automation	NOUN
easat-6931	82	41	technology	technology	NOUN
easat-6931	82	42	,	,	PUNCT
easat-6931	82	43	cloud	cloud	NOUN
easat-6931	82	44	computing	computing	NOUN
easat-6931	82	45	,	,	PUNCT
easat-6931	82	46	blockchain	blockchain	PROPN
easat-6931	82	47	,	,	PUNCT
easat-6931	82	48	suptech	suptech	NOUN
easat-6931	82	49	,	,	PUNCT
easat-6931	82	50	regtech	regtech	PROPN
easat-6931	82	51	)	)	PUNCT
easat-6931	82	52	.	.	PUNCT
easat-6931	83	1	3	3	X
easat-6931	83	2	.	.	X
easat-6931	83	3	research	research	NOUN
easat-6931	83	4	model	model	NOUN
easat-6931	83	5	and	and	CCONJ
easat-6931	83	6	hypothesis	hypothesis	NOUN
easat-6931	83	7	the	the	DET
easat-6931	83	8	above	above	PROPN
easat-6931	83	9	literature	literature	NOUN
easat-6931	83	10	review	review	NOUN
easat-6931	83	11	shows	show	VERB
easat-6931	83	12	that	that	SCONJ
easat-6931	83	13	basel	basel	PROPN
easat-6931	83	14	iii	iii	PROPN
easat-6931	83	15	capital	capital	NOUN
easat-6931	83	16	buffer	buffer	NOUN
easat-6931	83	17	regulation	regulation	NOUN
easat-6931	83	18	must	must	AUX
easat-6931	83	19	be	be	AUX
easat-6931	83	20	met	meet	VERB
easat-6931	83	21	by	by	ADP
easat-6931	83	22	common	common	ADJ
easat-6931	83	23	equity	equity	NOUN
easat-6931	83	24	tier	tier	NOUN
easat-6931	83	25	1	1	NUM
easat-6931	83	26	–	–	PUNCT
easat-6931	83	27	cet1	cet1	NOUN
easat-6931	83	28	[	[	X
easat-6931	83	29	2	2	NUM
easat-6931	83	30	,	,	PUNCT
easat-6931	83	31	3	3	NUM
easat-6931	83	32	]	]	PUNCT
easat-6931	83	33	.	.	PUNCT
easat-6931	84	1	capital	capital	NOUN
easat-6931	84	2	increases	increase	NOUN
easat-6931	84	3	can	can	AUX
easat-6931	84	4	be	be	AUX
easat-6931	84	5	done	do	VERB
easat-6931	84	6	through	through	ADP
easat-6931	84	7	:	:	PUNCT
easat-6931	84	8	(	(	PUNCT
easat-6931	84	9	i	i	NOUN
easat-6931	84	10	)	)	PUNCT
easat-6931	84	11	capital	capital	NOUN
easat-6931	84	12	solutions	solution	NOUN
easat-6931	84	13	related	relate	VERB
easat-6931	84	14	to	to	ADP
easat-6931	84	15	securities	security	NOUN
easat-6931	84	16	such	such	ADJ
easat-6931	84	17	as	as	ADP
easat-6931	84	18	issuance	issuance	NOUN
easat-6931	84	19	of	of	ADP
easat-6931	84	20	new	new	ADJ
easat-6931	84	21	shares	share	NOUN
easat-6931	84	22	;	;	PUNCT
easat-6931	84	23	retained	retain	VERB
easat-6931	84	24	earnings	earning	NOUN
easat-6931	84	25	;	;	PUNCT
easat-6931	84	26	dividends	dividend	NOUN
easat-6931	84	27	distribution	distribution	NOUN
easat-6931	84	28	limit	limit	NOUN
easat-6931	84	29	;	;	PUNCT
easat-6931	84	30	issuance	issuance	NOUN
easat-6931	84	31	of	of	ADP
easat-6931	84	32	long	long	ADJ
easat-6931	84	33	-	-	PUNCT
easat-6931	84	34	term	term	NOUN
easat-6931	84	35	bonds	bond	NOUN
easat-6931	84	36	;	;	PUNCT
easat-6931	84	37	issuance	issuance	NOUN
easat-6931	84	38	of	of	ADP
easat-6931	84	39	convertible	convertible	ADJ
easat-6931	84	40	bonds	bond	NOUN
easat-6931	84	41	[	[	X
easat-6931	84	42	6	6	NUM
easat-6931	84	43	,	,	PUNCT
easat-6931	84	44	12	12	NUM
easat-6931	84	45	,	,	PUNCT
easat-6931	84	46	14	14	NUM
easat-6931	84	47	]	]	PUNCT
easat-6931	84	48	;	;	PUNCT
easat-6931	84	49	(	(	PUNCT
easat-6931	84	50	ii	ii	NOUN
easat-6931	84	51	)	)	PUNCT
easat-6931	84	52	capital	capital	NOUN
easat-6931	84	53	solutions	solution	NOUN
easat-6931	84	54	related	relate	VERB
easat-6931	84	55	to	to	ADP
easat-6931	84	56	state	state	NOUN
easat-6931	84	57	capital	capital	NOUN
easat-6931	84	58	such	such	ADJ
easat-6931	84	59	as	as	ADP
easat-6931	84	60	widening	widen	VERB
easat-6931	84	61	room	room	NOUN
easat-6931	84	62	to	to	PART
easat-6931	84	63	sell	sell	VERB
easat-6931	84	64	state	state	NOUN
easat-6931	84	65	shares	share	NOUN
easat-6931	84	66	to	to	ADP
easat-6931	84	67	foreign	foreign	ADJ
easat-6931	84	68	investors	investor	NOUN
easat-6931	84	69	;	;	PUNCT
easat-6931	84	70	using	use	VERB
easat-6931	84	71	surplus	surplus	ADJ
easat-6931	84	72	resources	resource	NOUN
easat-6931	84	73	due	due	ADJ
easat-6931	84	74	to	to	ADP
easat-6931	84	75	reducing	reduce	VERB
easat-6931	84	76	the	the	DET
easat-6931	84	77	state	state	NOUN
easat-6931	84	78	ownership	ownership	NOUN
easat-6931	84	79	ratio	ratio	NOUN
easat-6931	84	80	from	from	ADP
easat-6931	84	81	financial	financial	ADJ
easat-6931	84	82	investment	investment	NOUN
easat-6931	84	83	sales	sale	NOUN
easat-6931	84	84	,	,	PUNCT
easat-6931	84	85	strategic	strategic	ADJ
easat-6931	84	86	sales	sale	NOUN
easat-6931	84	87	to	to	PART
easat-6931	84	88	advance	advance	VERB
easat-6931	84	89	stock	stock	NOUN
easat-6931	84	90	dividend	dividend	NOUN
easat-6931	84	91	payments	payment	NOUN
easat-6931	84	92	to	to	PART
easat-6931	84	93	increase	increase	VERB
easat-6931	84	94	capital	capital	NOUN
easat-6931	84	95	;	;	PUNCT
easat-6931	84	96	promoting	promote	VERB
easat-6931	84	97	equitization	equitization	NOUN
easat-6931	84	98	process	process	NOUN
easat-6931	84	99	and	and	CCONJ
easat-6931	84	100	reducing	reduce	VERB
easat-6931	84	101	state	state	NOUN
easat-6931	84	102	ownership	ownership	NOUN
easat-6931	84	103	in	in	ADP
easat-6931	84	104	commercial	commercial	ADJ
easat-6931	84	105	banks	bank	NOUN
easat-6931	84	106	;	;	PUNCT
easat-6931	84	107	increasing	increase	VERB
easat-6931	84	108	capital	capital	NOUN
easat-6931	84	109	from	from	ADP
easat-6931	84	110	additional	additional	ADJ
easat-6931	84	111	state	state	NOUN
easat-6931	84	112	budget	budget	NOUN
easat-6931	84	113	sources	source	NOUN
easat-6931	84	114	;	;	PUNCT
easat-6931	84	115	non	non	ADJ
easat-6931	84	116	-	-	ADJ
easat-6931	84	117	performing	performing	ADJ
easat-6931	84	118	loans	loan	NOUN
easat-6931	84	119	(	(	PUNCT
easat-6931	84	120	npls	npls	NOUN
easat-6931	84	121	)	)	PUNCT
easat-6931	84	122	resolution	resolution	NOUN
easat-6931	84	123	[	[	X
easat-6931	84	124	12	12	NUM
easat-6931	84	125	,	,	PUNCT
easat-6931	84	126	14	14	NUM
easat-6931	84	127	]	]	PUNCT
easat-6931	84	128	(	(	PUNCT
easat-6931	84	129	iii	iii	X
easat-6931	84	130	)	)	PUNCT
easat-6931	84	131	capital	capital	NOUN
easat-6931	84	132	solutions	solution	NOUN
easat-6931	84	133	related	relate	VERB
easat-6931	84	134	to	to	ADP
easat-6931	84	135	business	business	NOUN
easat-6931	84	136	activities	activity	NOUN
easat-6931	84	137	such	such	ADJ
easat-6931	84	138	as	as	ADP
easat-6931	84	139	downsizing	downsize	VERB
easat-6931	84	140	business	business	NOUN
easat-6931	84	141	and	and	CCONJ
easat-6931	84	142	service	service	NOUN
easat-6931	84	143	activities	activity	NOUN
easat-6931	84	144	in	in	ADP
easat-6931	84	145	some	some	DET
easat-6931	84	146	ineffective	ineffective	ADJ
easat-6931	84	147	sections	section	NOUN
easat-6931	84	148	;	;	PUNCT
easat-6931	84	149	developing	develop	VERB
easat-6931	84	150	new	new	ADJ
easat-6931	84	151	business	business	NOUN
easat-6931	84	152	services	service	NOUN
easat-6931	84	153	;	;	PUNCT
easat-6931	84	154	applying	apply	VERB
easat-6931	84	155	new	new	ADJ
easat-6931	84	156	technology	technology	NOUN
easat-6931	84	157	to	to	PART
easat-6931	84	158	reduce	reduce	VERB
easat-6931	84	159	operating	operating	NOUN
easat-6931	84	160	costs	cost	NOUN
easat-6931	84	161	;	;	PUNCT
easat-6931	84	162	using	use	VERB
easat-6931	84	163	low	low	ADJ
easat-6931	84	164	-	-	PUNCT
easat-6931	84	165	cost	cost	NOUN
easat-6931	84	166	strategies	strategy	NOUN
easat-6931	84	167	to	to	PART
easat-6931	84	168	save	save	VERB
easat-6931	84	169	capital	capital	NOUN
easat-6931	84	170	;	;	PUNCT
easat-6931	84	171	deducting	deduct	VERB
easat-6931	84	172	amounts	amount	NOUN
easat-6931	84	173	that	that	PRON
easat-6931	84	174	do	do	AUX
easat-6931	84	175	not	not	PART
easat-6931	84	176	comply	comply	VERB
easat-6931	84	177	with	with	ADP
easat-6931	84	178	regulations	regulation	NOUN
easat-6931	84	179	on	on	ADP
easat-6931	84	180	tier	tier	NOUN
easat-6931	84	181	1	1	NUM
easat-6931	84	182	and	and	CCONJ
easat-6931	84	183	tier	tier	NOUN
easat-6931	84	184	2	2	NUM
easat-6931	84	185	capital	capital	NOUN
easat-6931	84	186	of	of	ADP
easat-6931	84	187	basel	basel	PROPN
easat-6931	84	188	iii	iii	PROPN
easat-6931	85	1	[	[	X
easat-6931	85	2	6	6	NUM
easat-6931	85	3	,	,	PUNCT
easat-6931	85	4	12	12	NUM
easat-6931	85	5	-	-	SYM
easat-6931	85	6	14	14	NUM
easat-6931	85	7	]	]	PUNCT
easat-6931	85	8	(	(	PUNCT
easat-6931	85	9	iv	iv	X
easat-6931	85	10	)	)	PUNCT
easat-6931	85	11	systemwide	systemwide	ADJ
easat-6931	85	12	solutions	solution	NOUN
easat-6931	85	13	such	such	ADJ
easat-6931	85	14	as	as	ADP
easat-6931	85	15	developing	develop	VERB
easat-6931	85	16	and	and	CCONJ
easat-6931	85	17	promulgating	promulgate	VERB
easat-6931	85	18	a	a	DET
easat-6931	85	19	legal	legal	ADJ
easat-6931	85	20	framework	framework	NOUN
easat-6931	85	21	to	to	PART
easat-6931	85	22	support	support	VERB
easat-6931	85	23	banks	bank	NOUN
easat-6931	85	24	'	'	PART
easat-6931	85	25	implementation	implementation	NOUN
easat-6931	85	26	;	;	PUNCT
easat-6931	85	27	improving	improve	VERB
easat-6931	85	28	banking	banking	NOUN
easat-6931	85	29	supervision	supervision	NOUN
easat-6931	85	30	methods	method	NOUN
easat-6931	85	31	,	,	PUNCT
easat-6931	85	32	techniques	technique	NOUN
easat-6931	85	33	,	,	PUNCT
easat-6931	85	34	and	and	CCONJ
easat-6931	85	35	tools	tool	NOUN
easat-6931	85	36	in	in	ADP
easat-6931	85	37	accordance	accordance	NOUN
easat-6931	85	38	with	with	ADP
easat-6931	85	39	basel	basel	PROPN
easat-6931	85	40	iii	iii	PROPN
easat-6931	85	41	;	;	PUNCT
easat-6931	85	42	developing	develop	VERB
easat-6931	85	43	credit	credit	NOUN
easat-6931	85	44	rating	rating	NOUN
easat-6931	85	45	network	network	NOUN
easat-6931	85	46	and	and	CCONJ
easat-6931	85	47	bank	bank	NOUN
easat-6931	85	48	rating	rating	NOUN
easat-6931	85	49	network	network	NOUN
easat-6931	85	50	in	in	ADP
easat-6931	85	51	accordance	accordance	NOUN
easat-6931	85	52	with	with	ADP
easat-6931	85	53	basel	basel	PROPN
easat-6931	85	54	iii	iii	PROPN
easat-6931	85	55	;	;	PUNCT
easat-6931	85	56	improving	improve	VERB
easat-6931	85	57	the	the	DET
easat-6931	85	58	capacity	capacity	NOUN
easat-6931	85	59	of	of	ADP
easat-6931	85	60	supervisory	supervisory	ADJ
easat-6931	85	61	,	,	PUNCT
easat-6931	85	62	licensing	licensing	NOUN
easat-6931	85	63	and	and	CCONJ
easat-6931	85	64	assessment	assessment	NOUN
easat-6931	85	65	agencies	agency	NOUN
easat-6931	85	66	to	to	PART
easat-6931	85	67	meet	meet	VERB
easat-6931	85	68	with	with	ADP
easat-6931	85	69	basel	basel	PROPN
easat-6931	85	70	iii	iii	PROPN
easat-6931	85	71	standards	standard	NOUN
easat-6931	85	72	,	,	PUNCT
easat-6931	85	73	gsib	gsib	NOUN
easat-6931	85	74	and	and	CCONJ
easat-6931	85	75	dsib	dsib	PROPN
easat-6931	85	76	systems	system	NOUN
easat-6931	85	77	for	for	ADP
easat-6931	85	78	banks	bank	NOUN
easat-6931	85	79	;	;	PUNCT
easat-6931	85	80	developing	develop	VERB
easat-6931	85	81	cultural	cultural	ADJ
easat-6931	85	82	consultation	consultation	NOUN
easat-6931	85	83	of	of	ADP
easat-6931	85	84	bcbs	bcbs	PROPN
easat-6931	85	85	;	;	PUNCT
easat-6931	85	86	international	international	ADJ
easat-6931	85	87	528	528	NUM
easat-6931	85	88	edelweiss	edelweiss	PROPN
easat-6931	85	89	applied	apply	VERB
easat-6931	85	90	science	science	NOUN
easat-6931	85	91	and	and	CCONJ
easat-6931	85	92	technology	technology	NOUN
easat-6931	85	93	issn	issn	PROPN
easat-6931	85	94	:	:	PUNCT
easat-6931	85	95	2576	2576	NUM
easat-6931	85	96	-	-	SYM
easat-6931	85	97	8484	8484	NUM
easat-6931	85	98	vol	vol	NOUN
easat-6931	85	99	.	.	PROPN
easat-6931	86	1	9	9	NUM
easat-6931	86	2	,	,	PUNCT
easat-6931	86	3	no	no	INTJ
easat-6931	86	4	.	.	NOUN
easat-6931	86	5	5	5	NUM
easat-6931	86	6	:	:	PUNCT
easat-6931	86	7	524	524	NUM
easat-6931	86	8	-	-	SYM
easat-6931	86	9	536	536	NUM
easat-6931	86	10	,	,	PUNCT
easat-6931	86	11	2025	2025	NUM
easat-6931	86	12	doi	doi	NOUN
easat-6931	86	13	:	:	PUNCT
easat-6931	86	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	86	15	©	©	PROPN
easat-6931	86	16	2025	2025	NUM
easat-6931	86	17	by	by	ADP
easat-6931	86	18	the	the	DET
easat-6931	86	19	authors	author	NOUN
easat-6931	86	20	;	;	PUNCT
easat-6931	86	21	licensee	licensee	PROPN
easat-6931	86	22	learning	learn	VERB
easat-6931	86	23	gate	gate	PROPN
easat-6931	86	24	accounting	accounting	PROPN
easat-6931	86	25	,	,	PUNCT
easat-6931	86	26	information	information	NOUN
easat-6931	86	27	technology	technology	NOUN
easat-6931	86	28	systems	system	NOUN
easat-6931	86	29	[	[	X
easat-6931	86	30	14	14	NUM
easat-6931	86	31	]	]	PUNCT
easat-6931	86	32	.	.	PUNCT
easat-6931	87	1	difficulties	difficulty	NOUN
easat-6931	87	2	and	and	CCONJ
easat-6931	87	3	challenges	challenge	NOUN
easat-6931	87	4	in	in	ADP
easat-6931	87	5	implementing	implement	VERB
easat-6931	87	6	basel	basel	PROPN
easat-6931	87	7	iii	iii	PROPN
easat-6931	88	1	[	[	X
easat-6931	88	2	1	1	NUM
easat-6931	88	3	,	,	PUNCT
easat-6931	88	4	14	14	NUM
easat-6931	88	5	,	,	PUNCT
easat-6931	88	6	15	15	NUM
easat-6931	88	7	]	]	PUNCT
easat-6931	88	8	.	.	PUNCT
easat-6931	89	1	accordingly	accordingly	ADV
easat-6931	89	2	,	,	PUNCT
easat-6931	89	3	the	the	DET
easat-6931	89	4	author	author	NOUN
easat-6931	89	5	proposes	propose	VERB
easat-6931	89	6	a	a	DET
easat-6931	89	7	research	research	NOUN
easat-6931	89	8	model	model	NOUN
easat-6931	89	9	"	"	PUNCT
easat-6931	89	10	relationship	relationship	NOUN
easat-6931	89	11	between	between	ADP
easat-6931	89	12	the	the	DET
easat-6931	89	13	level	level	NOUN
easat-6931	89	14	of	of	ADP
easat-6931	89	15	implementation	implementation	NOUN
easat-6931	89	16	of	of	ADP
easat-6931	89	17	basel	basel	PROPN
easat-6931	89	18	iii	iii	PROPN
easat-6931	89	19	capital	capital	NOUN
easat-6931	89	20	buffer	buffer	NOUN
easat-6931	89	21	and	and	CCONJ
easat-6931	89	22	some	some	DET
easat-6931	89	23	solutions	solution	NOUN
easat-6931	89	24	"	"	PUNCT
easat-6931	89	25	as	as	SCONJ
easat-6931	89	26	shown	show	VERB
easat-6931	89	27	in	in	ADP
easat-6931	89	28	figure	figure	NOUN
easat-6931	89	29	1	1	NUM
easat-6931	89	30	.	.	PUNCT
easat-6931	89	31	figure	figure	NOUN
easat-6931	89	32	1	1	NUM
easat-6931	89	33	.	.	PUNCT
easat-6931	89	34	model	model	NOUN
easat-6931	89	35	to	to	PART
easat-6931	89	36	study	study	VERB
easat-6931	89	37	the	the	DET
easat-6931	89	38	relation	relation	NOUN
easat-6931	89	39	between	between	ADP
easat-6931	89	40	the	the	DET
easat-6931	89	41	level	level	NOUN
easat-6931	89	42	of	of	ADP
easat-6931	89	43	implementation	implementation	NOUN
easat-6931	89	44	of	of	ADP
easat-6931	89	45	basel	basel	PROPN
easat-6931	89	46	iii	iii	PROPN
easat-6931	89	47	capital	capital	NOUN
easat-6931	89	48	buffer	buffer	NOUN
easat-6931	89	49	and	and	CCONJ
easat-6931	89	50	a	a	DET
easat-6931	89	51	number	number	NOUN
easat-6931	89	52	of	of	ADP
easat-6931	89	53	solutions	solution	NOUN
easat-6931	89	54	.	.	PUNCT
easat-6931	90	1	the	the	DET
easat-6931	90	2	research	research	NOUN
easat-6931	90	3	hypotheses	hypothesis	NOUN
easat-6931	90	4	are	be	AUX
easat-6931	90	5	as	as	SCONJ
easat-6931	90	6	follows	follow	VERB
easat-6931	90	7	:	:	PUNCT
easat-6931	90	8	h1	h1	PROPN
easat-6931	90	9	,	,	PUNCT
easat-6931	90	10	h2	h2	PROPN
easat-6931	90	11	,	,	PUNCT
easat-6931	90	12	h3	h3	NOUN
easat-6931	90	13	,	,	PUNCT
easat-6931	90	14	h4	h4	NOUN
easat-6931	90	15	:	:	PUNCT
easat-6931	90	16	there	there	PRON
easat-6931	90	17	is	be	VERB
easat-6931	90	18	a	a	DET
easat-6931	90	19	positive	positive	ADJ
easat-6931	90	20	relationship	relationship	NOUN
easat-6931	90	21	between	between	ADP
easat-6931	90	22	the	the	DET
easat-6931	90	23	variables	variable	NOUN
easat-6931	90	24	vcp	vcp	PROPN
easat-6931	90	25	,	,	PUNCT
easat-6931	90	26	vnn	vnn	NOUN
easat-6931	90	27	,	,	PUNCT
easat-6931	90	28	vkd	vkd	ADV
easat-6931	90	29	,	,	PUNCT
easat-6931	90	30	ht	ht	PROPN
easat-6931	90	31	and	and	CCONJ
easat-6931	90	32	bđvbiii	bđvbiii	VERB
easat-6931	90	33	h5	h5	PROPN
easat-6931	90	34	:	:	PUNCT
easat-6931	90	35	there	there	PRON
easat-6931	90	36	is	be	VERB
easat-6931	90	37	a	a	DET
easat-6931	90	38	negative	negative	ADJ
easat-6931	90	39	relationship	relationship	NOUN
easat-6931	90	40	between	between	ADP
easat-6931	90	41	the	the	DET
easat-6931	90	42	variable	variable	ADJ
easat-6931	90	43	tthbiii	tthbiii	NOUN
easat-6931	90	44	and	and	CCONJ
easat-6931	90	45	bđvbiii	bđvbiii	VERB
easat-6931	90	46	4	4	NUM
easat-6931	90	47	.	.	PUNCT
easat-6931	90	48	research	research	NOUN
easat-6931	90	49	methods	method	NOUN
easat-6931	90	50	the	the	DET
easat-6931	90	51	expected	expect	VERB
easat-6931	90	52	multivariate	multivariate	NOUN
easat-6931	90	53	regression	regression	NOUN
easat-6931	90	54	equation	equation	NOUN
easat-6931	90	55	is	be	AUX
easat-6931	90	56	as	as	SCONJ
easat-6931	90	57	follows	follow	VERB
easat-6931	90	58	:	:	PUNCT
easat-6931	90	59	bđvbiii	bđvbiii	PROPN
easat-6931	90	60	=	=	PUNCT
easat-6931	90	61	β0	β0	PROPN
easat-6931	90	62	+	+	CCONJ
easat-6931	90	63	β1.vcp	β1.vcp	PUNCT
easat-6931	90	64	+	+	CCONJ
easat-6931	90	65	β2.vnn	β2.vnn	PUNCT
easat-6931	90	66	+	+	CCONJ
easat-6931	90	67	β3.vkd	β3.vkd	PUNCT
easat-6931	90	68	+	+	CCONJ
easat-6931	90	69	β4.ht	β4.ht	PROPN
easat-6931	90	70	+	+	X
easat-6931	90	71	β5	β5	NOUN
easat-6931	90	72	.	.	PUNCT
easat-6931	91	1	tthbiii	tthbiii	NOUN
easat-6931	91	2	+	+	X
easat-6931	91	3	ei	ei	X
easat-6931	91	4	(	(	PUNCT
easat-6931	91	5	1	1	NUM
easat-6931	91	6	)	)	PUNCT
easat-6931	91	7	in	in	ADP
easat-6931	91	8	which	which	PRON
easat-6931	91	9	:	:	PUNCT
easat-6931	91	10	(	(	PUNCT
easat-6931	91	11	i	i	NOUN
easat-6931	91	12	)	)	PUNCT
easat-6931	91	13	bđvbiii	bđvbiii	VERB
easat-6931	91	14	is	be	AUX
easat-6931	91	15	the	the	DET
easat-6931	91	16	dependent	dependent	ADJ
easat-6931	91	17	variable	variable	NOUN
easat-6931	91	18	for	for	ADP
easat-6931	91	19	the	the	DET
easat-6931	91	20	level	level	NOUN
easat-6931	91	21	of	of	ADP
easat-6931	91	22	implementation	implementation	NOUN
easat-6931	91	23	of	of	ADP
easat-6931	91	24	basel	basel	PROPN
easat-6931	91	25	iii	iii	PROPN
easat-6931	91	26	capital	capital	NOUN
easat-6931	91	27	buffers	buffer	NOUN
easat-6931	91	28	at	at	ADP
easat-6931	91	29	banks	bank	NOUN
easat-6931	91	30	(	(	PUNCT
easat-6931	91	31	including	include	VERB
easat-6931	91	32	capital	capital	NOUN
easat-6931	91	33	conservation	conservation	NOUN
easat-6931	91	34	buffer	buffer	NOUN
easat-6931	91	35	ccob	ccob	NOUN
easat-6931	91	36	,	,	PUNCT
easat-6931	91	37	countercyclical	countercyclical	ADJ
easat-6931	91	38	capital	capital	NOUN
easat-6931	91	39	buffer	buffer	PROPN
easat-6931	91	40	ccyb	ccyb	NOUN
easat-6931	91	41	;	;	PUNCT
easat-6931	91	42	global	global	ADJ
easat-6931	91	43	systemically	systemically	ADV
easat-6931	91	44	important	important	ADJ
easat-6931	91	45	bank	bank	NOUN
easat-6931	91	46	gsib	gsib	NOUN
easat-6931	91	47	surcharge	surcharge	NOUN
easat-6931	91	48	;	;	PUNCT
easat-6931	91	49	domestic	domestic	ADJ
easat-6931	91	50	systemically	systemically	ADV
easat-6931	91	51	important	important	ADJ
easat-6931	91	52	bank	bank	PROPN
easat-6931	91	53	dsib	dsib	PROPN
easat-6931	91	54	surcharge	surcharge	PROPN
easat-6931	91	55	;	;	PUNCT
easat-6931	91	56	(	(	PUNCT
easat-6931	91	57	ii	ii	NOUN
easat-6931	91	58	)	)	PUNCT
easat-6931	91	59	vcp	vcp	PROPN
easat-6931	91	60	,	,	PUNCT
easat-6931	91	61	vnn	vnn	NOUN
easat-6931	91	62	,	,	PUNCT
easat-6931	91	63	vkd	vkd	ADJ
easat-6931	91	64	,	,	PUNCT
easat-6931	91	65	ht	ht	INTJ
easat-6931	91	66	,	,	PUNCT
easat-6931	91	67	tthbiii	tthbiii	NOUN
easat-6931	91	68	are	be	AUX
easat-6931	91	69	independent	independent	ADJ
easat-6931	91	70	variables	variable	NOUN
easat-6931	91	71	extracted	extract	VERB
easat-6931	91	72	from	from	ADP
easat-6931	91	73	factor	factor	NOUN
easat-6931	91	74	analysis	analysis	NOUN
easat-6931	91	75	(	(	PUNCT
easat-6931	91	76	corresponding	correspond	VERB
easat-6931	91	77	to	to	ADP
easat-6931	91	78	solutions	solution	NOUN
easat-6931	91	79	to	to	PART
easat-6931	91	80	increase	increase	VERB
easat-6931	91	81	capital	capital	NOUN
easat-6931	91	82	related	relate	VERB
easat-6931	91	83	to	to	ADP
easat-6931	91	84	securities	security	NOUN
easat-6931	91	85	;	;	PUNCT
easat-6931	91	86	solutions	solution	NOUN
easat-6931	91	87	to	to	PART
easat-6931	91	88	increase	increase	VERB
easat-6931	91	89	capital	capital	NOUN
easat-6931	91	90	related	relate	VERB
easat-6931	91	91	to	to	ADP
easat-6931	91	92	the	the	DET
easat-6931	91	93	state	state	NOUN
easat-6931	91	94	;	;	PUNCT
easat-6931	91	95	solutions	solution	NOUN
easat-6931	91	96	to	to	PART
easat-6931	91	97	increase	increase	VERB
easat-6931	91	98	capital	capital	NOUN
easat-6931	91	99	related	relate	VERB
easat-6931	91	100	to	to	ADP
easat-6931	91	101	banking	banking	NOUN
easat-6931	91	102	business	business	NOUN
easat-6931	91	103	;	;	PUNCT
easat-6931	91	104	system	system	NOUN
easat-6931	91	105	-	-	PUNCT
easat-6931	91	106	wide	wide	ADJ
easat-6931	91	107	solutions	solution	NOUN
easat-6931	91	108	;	;	PUNCT
easat-6931	91	109	and	and	CCONJ
easat-6931	91	110	difficulties	difficulty	NOUN
easat-6931	91	111	and	and	CCONJ
easat-6931	91	112	challenges	challenge	NOUN
easat-6931	91	113	in	in	ADP
easat-6931	91	114	implementing	implement	VERB
easat-6931	91	115	basel	basel	PROPN
easat-6931	91	116	iii	iii	PROPN
easat-6931	91	117	at	at	ADP
easat-6931	91	118	banks	bank	NOUN
easat-6931	91	119	)	)	PUNCT
easat-6931	91	120	;	;	PUNCT
easat-6931	91	121	(	(	PUNCT
easat-6931	91	122	iii	iii	X
easat-6931	91	123	)	)	PUNCT
easat-6931	91	124	β0	β0	NOUN
easat-6931	91	125	,	,	PUNCT
easat-6931	91	126	β1	β1	PROPN
easat-6931	91	127	,	,	PUNCT
easat-6931	91	128	β2	β2	NOUN
easat-6931	91	129	,	,	PUNCT
easat-6931	91	130	β3	β3	PROPN
easat-6931	91	131	,	,	PUNCT
easat-6931	91	132	β4	β4	PROPN
easat-6931	91	133	,	,	PUNCT
easat-6931	91	134	β5	β5	NOUN
easat-6931	91	135	are	be	AUX
easat-6931	91	136	partial	partial	ADJ
easat-6931	91	137	regression	regression	NOUN
easat-6931	91	138	coefficients	coefficient	NOUN
easat-6931	91	139	;	;	PUNCT
easat-6931	91	140	(	(	PUNCT
easat-6931	91	141	iv	iv	X
easat-6931	91	142	)	)	PUNCT
easat-6931	91	143	ei	ei	NOUN
easat-6931	91	144	is	be	AUX
easat-6931	91	145	a	a	DET
easat-6931	91	146	random	random	ADJ
easat-6931	91	147	independent	independent	ADJ
easat-6931	91	148	variable	variable	NOUN
easat-6931	91	149	which	which	PRON
easat-6931	91	150	follows	follow	VERB
easat-6931	91	151	normal	normal	ADJ
easat-6931	91	152	distribution	distribution	NOUN
easat-6931	91	153	with	with	ADP
easat-6931	91	154	mean	mean	PROPN
easat-6931	91	155	0	0	NUM
easat-6931	91	156	and	and	CCONJ
easat-6931	91	157	constant	constant	ADJ
easat-6931	91	158	variance	variance	NOUN
easat-6931	91	159	σ2	σ2	NOUN
easat-6931	91	160	.	.	PUNCT
easat-6931	92	1	the	the	DET
easat-6931	92	2	study	study	NOUN
easat-6931	92	3	was	be	AUX
easat-6931	92	4	conducted	conduct	VERB
easat-6931	92	5	using	use	VERB
easat-6931	92	6	quantitative	quantitative	ADJ
easat-6931	92	7	methods	method	NOUN
easat-6931	92	8	,	,	PUNCT
easat-6931	92	9	using	use	VERB
easat-6931	92	10	spss	spss	PROPN
easat-6931	92	11	software	software	NOUN
easat-6931	92	12	for	for	ADP
easat-6931	92	13	statistical	statistical	ADJ
easat-6931	92	14	analysis	analysis	NOUN
easat-6931	92	15	and	and	CCONJ
easat-6931	92	16	multivariate	multivariate	NOUN
easat-6931	92	17	regression	regression	NOUN
easat-6931	92	18	based	base	VERB
easat-6931	92	19	on	on	ADP
easat-6931	92	20	a	a	DET
easat-6931	92	21	questionnaire	questionnaire	NOUN
easat-6931	92	22	survey	survey	NOUN
easat-6931	92	23	(	(	PUNCT
easat-6931	92	24	december	december	PROPN
easat-6931	92	25	2023	2023	NUM
easat-6931	92	26	~	~	PUNCT
easat-6931	92	27	january	january	NOUN
easat-6931	92	28	2024	2024	NUM
easat-6931	92	29	)	)	PUNCT
easat-6931	92	30	with	with	ADP
easat-6931	92	31	appropriate	appropriate	ADJ
easat-6931	92	32	sample	sample	NOUN
easat-6931	92	33	size	size	NOUN
easat-6931	92	34	.	.	PUNCT
easat-6931	93	1	the	the	DET
easat-6931	93	2	survey	survey	NOUN
easat-6931	93	3	questionnaire	questionnaire	NOUN
easat-6931	93	4	uses	use	VERB
easat-6931	93	5	a	a	DET
easat-6931	93	6	likert	likert	ADJ
easat-6931	93	7	scale	scale	NOUN
easat-6931	93	8	with	with	ADP
easat-6931	93	9	5	5	NUM
easat-6931	93	10	indicator	indicator	NOUN
easat-6931	93	11	levels	level	NOUN
easat-6931	93	12	.	.	PUNCT
easat-6931	94	1	questions	question	NOUN
easat-6931	94	2	529	529	NUM
easat-6931	94	3	edelweiss	edelweiss	PROPN
easat-6931	94	4	applied	apply	VERB
easat-6931	94	5	science	science	NOUN
easat-6931	94	6	and	and	CCONJ
easat-6931	94	7	technology	technology	NOUN
easat-6931	94	8	issn	issn	PROPN
easat-6931	94	9	:	:	PUNCT
easat-6931	94	10	2576	2576	NUM
easat-6931	94	11	-	-	SYM
easat-6931	94	12	8484	8484	NUM
easat-6931	94	13	vol	vol	NOUN
easat-6931	94	14	.	.	PROPN
easat-6931	95	1	9	9	NUM
easat-6931	95	2	,	,	PUNCT
easat-6931	95	3	no	no	INTJ
easat-6931	95	4	.	.	NOUN
easat-6931	95	5	5	5	NUM
easat-6931	95	6	:	:	PUNCT
easat-6931	95	7	524	524	NUM
easat-6931	95	8	-	-	SYM
easat-6931	95	9	536	536	NUM
easat-6931	95	10	,	,	PUNCT
easat-6931	95	11	2025	2025	NUM
easat-6931	95	12	doi	doi	NOUN
easat-6931	95	13	:	:	PUNCT
easat-6931	95	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	95	15	©	©	PROPN
easat-6931	95	16	2025	2025	NUM
easat-6931	95	17	by	by	ADP
easat-6931	95	18	the	the	DET
easat-6931	95	19	authors	author	NOUN
easat-6931	95	20	;	;	PUNCT
easat-6931	95	21	licensee	licensee	PROPN
easat-6931	95	22	learning	learning	NOUN
easat-6931	95	23	gate	gate	NOUN
easat-6931	95	24	about	about	ADP
easat-6931	95	25	the	the	DET
easat-6931	95	26	level	level	NOUN
easat-6931	95	27	of	of	ADP
easat-6931	95	28	implementation	implementation	NOUN
easat-6931	95	29	of	of	ADP
easat-6931	95	30	the	the	DET
easat-6931	95	31	basel	basel	PROPN
easat-6931	95	32	iii	iii	PROPN
easat-6931	95	33	capital	capital	NOUN
easat-6931	95	34	buffer	buffer	NOUN
easat-6931	95	35	are	be	AUX
easat-6931	95	36	extracted	extract	VERB
easat-6931	95	37	by	by	ADP
easat-6931	95	38	the	the	DET
easat-6931	95	39	author	author	NOUN
easat-6931	95	40	from	from	ADP
easat-6931	95	41	the	the	DET
easat-6931	95	42	content	content	NOUN
easat-6931	95	43	of	of	ADP
easat-6931	95	44	the	the	DET
easat-6931	95	45	basel	basel	PROPN
easat-6931	95	46	iii	iii	PROPN
easat-6931	95	47	accord	accord	NOUN
easat-6931	95	48	[	[	X
easat-6931	95	49	2	2	NUM
easat-6931	95	50	,	,	PUNCT
easat-6931	95	51	3	3	NUM
easat-6931	95	52	]	]	PUNCT
easat-6931	95	53	.	.	PUNCT
easat-6931	96	1	questions	question	NOUN
easat-6931	96	2	about	about	ADP
easat-6931	96	3	solutions	solution	NOUN
easat-6931	96	4	,	,	PUNCT
easat-6931	96	5	difficulties	difficulty	NOUN
easat-6931	96	6	and	and	CCONJ
easat-6931	96	7	challenges	challenge	NOUN
easat-6931	96	8	in	in	ADP
easat-6931	96	9	implementing	implement	VERB
easat-6931	96	10	basel	basel	PROPN
easat-6931	96	11	iii	iii	PROPN
easat-6931	96	12	are	be	AUX
easat-6931	96	13	proposed	propose	VERB
easat-6931	96	14	by	by	ADP
easat-6931	96	15	the	the	DET
easat-6931	96	16	author	author	NOUN
easat-6931	96	17	based	base	VERB
easat-6931	96	18	on	on	ADP
easat-6931	96	19	research	research	NOUN
easat-6931	96	20	overview	overview	NOUN
easat-6931	96	21	,	,	PUNCT
easat-6931	96	22	international	international	ADJ
easat-6931	96	23	experience	experience	NOUN
easat-6931	96	24	and	and	CCONJ
easat-6931	96	25	empirical	empirical	ADJ
easat-6931	96	26	analysis	analysis	NOUN
easat-6931	96	27	[	[	X
easat-6931	96	28	1	1	NUM
easat-6931	96	29	,	,	PUNCT
easat-6931	96	30	6	6	NUM
easat-6931	96	31	,	,	PUNCT
easat-6931	96	32	12	12	NUM
easat-6931	96	33	-	-	SYM
easat-6931	96	34	14	14	NUM
easat-6931	96	35	]	]	PUNCT
easat-6931	96	36	.	.	PUNCT
easat-6931	97	1	by	by	ADP
easat-6931	97	2	editing	edit	VERB
easat-6931	97	3	and	and	CCONJ
easat-6931	97	4	amending	amending	NOUN
easat-6931	97	5	,	,	PUNCT
easat-6931	97	6	the	the	DET
easat-6931	97	7	author	author	NOUN
easat-6931	97	8	designed	design	VERB
easat-6931	97	9	the	the	DET
easat-6931	97	10	official	official	ADJ
easat-6931	97	11	survey	survey	NOUN
easat-6931	97	12	questionnaire	questionnaire	NOUN
easat-6931	97	13	as	as	SCONJ
easat-6931	97	14	shown	show	VERB
easat-6931	97	15	in	in	ADP
easat-6931	97	16	table	table	NOUN
easat-6931	97	17	1	1	NUM
easat-6931	97	18	.	.	PUNCT
easat-6931	97	19	table	table	NOUN
easat-6931	97	20	1	1	NUM
easat-6931	97	21	.	.	PUNCT
easat-6931	98	1	survey	survey	NOUN
easat-6931	98	2	questionnaire	questionnaire	NOUN
easat-6931	98	3	to	to	PART
easat-6931	98	4	study	study	VERB
easat-6931	98	5	the	the	DET
easat-6931	98	6	relation	relation	NOUN
easat-6931	98	7	between	between	ADP
easat-6931	98	8	the	the	DET
easat-6931	98	9	level	level	NOUN
easat-6931	98	10	of	of	ADP
easat-6931	98	11	implementation	implementation	NOUN
easat-6931	98	12	of	of	ADP
easat-6931	98	13	the	the	DET
easat-6931	98	14	basel	basel	PROPN
easat-6931	98	15	iii	iii	PROPN
easat-6931	98	16	capital	capital	NOUN
easat-6931	98	17	buffer	buffer	NOUN
easat-6931	98	18	with	with	ADP
easat-6931	98	19	a	a	DET
easat-6931	98	20	number	number	NOUN
easat-6931	98	21	of	of	ADP
easat-6931	98	22	main	main	ADJ
easat-6931	98	23	solutions	solution	NOUN
easat-6931	98	24	and	and	CCONJ
easat-6931	98	25	implementation	implementation	NOUN
easat-6931	98	26	challenges	challenge	NOUN
easat-6931	98	27	.	.	PUNCT
easat-6931	99	1	variable	variable	ADJ
easat-6931	99	2	name	name	NOUN
easat-6931	99	3	question	question	NOUN
easat-6931	99	4	basel	basel	PROPN
easat-6931	99	5	iii	iii	PROPN
easat-6931	99	6	capital	capital	NOUN
easat-6931	99	7	buffer	buffer	NOUN
easat-6931	99	8	of	of	ADP
easat-6931	99	9	commercial	commercial	ADJ
easat-6931	99	10	banks	bank	NOUN
easat-6931	99	11	(	(	PUNCT
easat-6931	99	12	bđvbiii	bđvbiii	PROPN
easat-6931	99	13	)	)	PUNCT
easat-6931	99	14	ccob	ccob	NOUN
easat-6931	99	15	1	1	NUM
easat-6931	99	16	level	level	NOUN
easat-6931	99	17	of	of	ADP
easat-6931	99	18	implementation	implementation	NOUN
easat-6931	99	19	of	of	ADP
easat-6931	99	20	"	"	PUNCT
easat-6931	99	21	capital	capital	NOUN
easat-6931	99	22	conservation	conservation	NOUN
easat-6931	99	23	buffer	buffer	NOUN
easat-6931	99	24	ccob	ccob	NOUN
easat-6931	99	25	"	"	PUNCT
easat-6931	99	26	according	accord	VERB
easat-6931	99	27	to	to	ADP
easat-6931	99	28	basel	basel	PROPN
easat-6931	99	29	iii	iii	PROPN
easat-6931	99	30	regulations	regulation	NOUN
easat-6931	99	31	at	at	ADP
easat-6931	99	32	your	your	PRON
easat-6931	99	33	bank	bank	NOUN
easat-6931	99	34	ccob	ccob	NOUN
easat-6931	99	35	2	2	NUM
easat-6931	99	36	the	the	DET
easat-6931	99	37	implementation	implementation	NOUN
easat-6931	99	38	level	level	NOUN
easat-6931	99	39	of	of	ADP
easat-6931	99	40	"	"	PUNCT
easat-6931	99	41	restriction	restriction	NOUN
easat-6931	99	42	on	on	ADP
easat-6931	99	43	automatic	automatic	ADJ
easat-6931	99	44	capital	capital	NOUN
easat-6931	99	45	distribution	distribution	NOUN
easat-6931	99	46	"	"	PUNCT
easat-6931	99	47	according	accord	VERB
easat-6931	99	48	to	to	ADP
easat-6931	99	49	basel	basel	PROPN
easat-6931	99	50	iii	iii	PROPN
easat-6931	99	51	regulations	regulation	NOUN
easat-6931	99	52	when	when	SCONJ
easat-6931	99	53	the	the	DET
easat-6931	99	54	capital	capital	NOUN
easat-6931	99	55	conservation	conservation	NOUN
easat-6931	99	56	buffer	buffer	NOUN
easat-6931	99	57	ccob	ccob	NOUN
easat-6931	99	58	falls	fall	VERB
easat-6931	99	59	below	below	ADP
easat-6931	99	60	2.5	2.5	NUM
easat-6931	99	61	%	%	NOUN
easat-6931	99	62	at	at	ADP
easat-6931	99	63	your	your	PRON
easat-6931	99	64	bank	bank	NOUN
easat-6931	99	65	ccyb	ccyb	NOUN
easat-6931	99	66	1	1	NUM
easat-6931	99	67	the	the	DET
easat-6931	99	68	implementation	implementation	NOUN
easat-6931	99	69	level	level	NOUN
easat-6931	99	70	of	of	ADP
easat-6931	99	71	"	"	PUNCT
easat-6931	99	72	counter	counter	ADJ
easat-6931	99	73	-	-	ADJ
easat-6931	99	74	cyclical	cyclical	ADJ
easat-6931	99	75	capital	capital	NOUN
easat-6931	99	76	buffer	buffer	NOUN
easat-6931	99	77	ccyb	ccyb	NOUN
easat-6931	99	78	"	"	PUNCT
easat-6931	99	79	according	accord	VERB
easat-6931	99	80	to	to	ADP
easat-6931	99	81	basel	basel	PROPN
easat-6931	99	82	iii	iii	PROPN
easat-6931	99	83	regulations	regulation	NOUN
easat-6931	99	84	at	at	ADP
easat-6931	99	85	your	your	PRON
easat-6931	99	86	bank	bank	NOUN
easat-6931	99	87	ccyb	ccyb	NOUN
easat-6931	99	88	2	2	NUM
easat-6931	99	89	the	the	DET
easat-6931	99	90	level	level	NOUN
easat-6931	99	91	of	of	ADP
easat-6931	99	92	establishing	establish	VERB
easat-6931	99	93	a	a	DET
easat-6931	99	94	"	"	PUNCT
easat-6931	99	95	distribution	distribution	NOUN
easat-6931	99	96	restriction	restriction	NOUN
easat-6931	99	97	mechanism	mechanism	NOUN
easat-6931	99	98	"	"	PUNCT
easat-6931	99	99	according	accord	VERB
easat-6931	99	100	to	to	ADP
easat-6931	99	101	basel	basel	PROPN
easat-6931	99	102	iii	iii	PROPN
easat-6931	99	103	regulations	regulation	NOUN
easat-6931	99	104	to	to	PART
easat-6931	99	105	ensure	ensure	VERB
easat-6931	99	106	the	the	DET
easat-6931	99	107	ccyb	ccyb	PROPN
easat-6931	99	108	ratio	ratio	NOUN
easat-6931	99	109	required	require	VERB
easat-6931	99	110	by	by	ADP
easat-6931	99	111	authorities	authority	NOUN
easat-6931	99	112	at	at	ADP
easat-6931	99	113	your	your	PRON
easat-6931	99	114	bank	bank	NOUN
easat-6931	99	115	gsib	gsib	NOUN
easat-6931	99	116	level	level	NOUN
easat-6931	99	117	of	of	ADP
easat-6931	99	118	establishing	establish	VERB
easat-6931	99	119	"	"	PUNCT
easat-6931	99	120	gsib	gsib	NOUN
easat-6931	99	121	surcharge	surcharge	NOUN
easat-6931	99	122	"	"	PUNCT
easat-6931	99	123	according	accord	VERB
easat-6931	99	124	to	to	ADP
easat-6931	99	125	basel	basel	PROPN
easat-6931	99	126	iii	iii	PROPN
easat-6931	99	127	regulations	regulation	NOUN
easat-6931	99	128	at	at	ADP
easat-6931	99	129	your	your	PRON
easat-6931	99	130	bank	bank	NOUN
easat-6931	99	131	dsib	dsib	ADJ
easat-6931	99	132	level	level	NOUN
easat-6931	99	133	of	of	ADP
easat-6931	99	134	establishing	establish	VERB
easat-6931	99	135	"	"	PUNCT
easat-6931	99	136	dsib	dsib	PROPN
easat-6931	99	137	surcharge	surcharge	NOUN
easat-6931	99	138	"	"	PUNCT
easat-6931	99	139	according	accord	VERB
easat-6931	99	140	to	to	ADP
easat-6931	99	141	basel	basel	PROPN
easat-6931	99	142	iii	iii	PROPN
easat-6931	99	143	regulations	regulation	NOUN
easat-6931	99	144	at	at	ADP
easat-6931	99	145	your	your	PRON
easat-6931	99	146	bank	bank	NOUN
easat-6931	99	147	difficulties	difficulty	NOUN
easat-6931	99	148	and	and	CCONJ
easat-6931	99	149	challenges	challenge	NOUN
easat-6931	99	150	implementing	implement	VERB
easat-6931	99	151	basel	basel	PROPN
easat-6931	99	152	iii	iii	PROPN
easat-6931	99	153	at	at	ADP
easat-6931	99	154	commercial	commercial	ADJ
easat-6931	99	155	banks	bank	NOUN
easat-6931	99	156	(	(	PUNCT
easat-6931	99	157	tthbiii	tthbiii	NOUN
easat-6931	99	158	)	)	PUNCT
easat-6931	99	159	tth1	tth1	PROPN
easat-6931	99	160	raising	raise	VERB
easat-6931	99	161	capital	capital	NOUN
easat-6931	99	162	to	to	PART
easat-6931	99	163	meet	meet	VERB
easat-6931	99	164	basel	basel	PROPN
easat-6931	99	165	iii	iii	PROPN
easat-6931	99	166	capital	capital	NOUN
easat-6931	99	167	standards	standard	NOUN
easat-6931	99	168	at	at	ADP
easat-6931	99	169	your	your	PRON
easat-6931	99	170	bank	bank	NOUN
easat-6931	99	171	faces	face	VERB
easat-6931	99	172	many	many	ADJ
easat-6931	99	173	difficulties	difficulty	NOUN
easat-6931	99	174	,	,	PUNCT
easat-6931	99	175	lacking	lack	VERB
easat-6931	99	176	solutions	solution	NOUN
easat-6931	99	177	to	to	PART
easat-6931	99	178	increase	increase	VERB
easat-6931	99	179	capital	capital	NOUN
easat-6931	99	180	tth2	tth2	PROPN
easat-6931	99	181	your	your	PRON
easat-6931	99	182	bank	bank	NOUN
easat-6931	99	183	encounters	encounter	VERB
easat-6931	99	184	difficulties	difficulty	NOUN
easat-6931	99	185	building	build	VERB
easat-6931	99	186	data	data	NOUN
easat-6931	99	187	management	management	NOUN
easat-6931	99	188	models	model	NOUN
easat-6931	99	189	tth3	tth3	PROPN
easat-6931	99	190	lack	lack	NOUN
easat-6931	99	191	of	of	ADP
easat-6931	99	192	analytical	analytical	ADJ
easat-6931	99	193	data	datum	NOUN
easat-6931	99	194	is	be	AUX
easat-6931	99	195	a	a	DET
easat-6931	99	196	major	major	ADJ
easat-6931	99	197	challenge	challenge	NOUN
easat-6931	99	198	to	to	PART
easat-6931	99	199	implement	implement	VERB
easat-6931	99	200	basel	basel	PROPN
easat-6931	99	201	iii	iii	PROPN
easat-6931	99	202	at	at	ADP
easat-6931	99	203	your	your	PRON
easat-6931	99	204	bank	bank	NOUN
easat-6931	99	205	tth4	tth4	NOUN
easat-6931	99	206	your	your	PRON
easat-6931	99	207	bank	bank	NOUN
easat-6931	99	208	encounters	encounter	VERB
easat-6931	99	209	many	many	ADJ
easat-6931	99	210	difficulties	difficulty	NOUN
easat-6931	99	211	in	in	ADP
easat-6931	99	212	using	use	VERB
easat-6931	99	213	models	model	NOUN
easat-6931	99	214	and	and	CCONJ
easat-6931	99	215	building	build	VERB
easat-6931	99	216	scenarios	scenario	NOUN
easat-6931	99	217	according	accord	VERB
easat-6931	99	218	to	to	ADP
easat-6931	99	219	basel	basel	PROPN
easat-6931	99	220	iii	iii	PROPN
easat-6931	99	221	regulations	regulation	NOUN
easat-6931	99	222	tth5	tth5	NOUN
easat-6931	99	223	your	your	PRON
easat-6931	99	224	bank	bank	NOUN
easat-6931	99	225	has	have	AUX
easat-6931	99	226	not	not	PART
easat-6931	99	227	yet	yet	ADV
easat-6931	99	228	accessed	access	VERB
easat-6931	99	229	independent	independent	ADJ
easat-6931	99	230	external	external	ADJ
easat-6931	99	231	credit	credit	NOUN
easat-6931	99	232	rating	rating	NOUN
easat-6931	99	233	agencies	agency	NOUN
easat-6931	99	234	to	to	PART
easat-6931	99	235	implement	implement	VERB
easat-6931	99	236	risk	risk	NOUN
easat-6931	99	237	capital	capital	NOUN
easat-6931	99	238	calculation	calculation	NOUN
easat-6931	99	239	methods	method	NOUN
easat-6931	99	240	according	accord	VERB
easat-6931	99	241	to	to	ADP
easat-6931	99	242	basel	basel	PROPN
easat-6931	99	243	iii	iii	PROPN
easat-6931	99	244	regulations	regulation	NOUN
easat-6931	99	245	.	.	PUNCT
easat-6931	100	1	tth6	tth6	NOUN
easat-6931	100	2	challenges	challenge	VERB
easat-6931	100	3	in	in	ADP
easat-6931	100	4	converting	convert	VERB
easat-6931	100	5	to	to	ADP
easat-6931	100	6	international	international	ADJ
easat-6931	100	7	accounting	accounting	NOUN
easat-6931	100	8	standards	standard	NOUN
easat-6931	100	9	(	(	PUNCT
easat-6931	100	10	ifrs9	ifrs9	X
easat-6931	100	11	)	)	PUNCT
easat-6931	100	12	tth7	tth7	NOUN
easat-6931	100	13	challenges	challenge	VERB
easat-6931	100	14	in	in	ADP
easat-6931	100	15	using	use	VERB
easat-6931	100	16	key	key	ADJ
easat-6931	100	17	technologies	technology	NOUN
easat-6931	100	18	related	relate	VERB
easat-6931	100	19	to	to	ADP
easat-6931	100	20	basel	basel	PROPN
easat-6931	100	21	iii	iii	PROPN
easat-6931	100	22	(	(	PUNCT
easat-6931	100	23	automation	automation	NOUN
easat-6931	100	24	technology	technology	NOUN
easat-6931	100	25	,	,	PUNCT
easat-6931	100	26	cloud	cloud	NOUN
easat-6931	100	27	computing	computing	NOUN
easat-6931	100	28	,	,	PUNCT
easat-6931	100	29	blockchain	blockchain	PROPN
easat-6931	100	30	,	,	PUNCT
easat-6931	100	31	suptech	suptech	NOUN
easat-6931	100	32	,	,	PUNCT
easat-6931	100	33	regtech	regtech	NOUN
easat-6931	100	34	)	)	PUNCT
easat-6931	100	35	solutions	solution	NOUN
easat-6931	100	36	to	to	PART
easat-6931	100	37	increase	increase	VERB
easat-6931	100	38	capital	capital	NOUN
easat-6931	100	39	related	relate	VERB
easat-6931	100	40	to	to	ADP
easat-6931	100	41	securities	security	NOUN
easat-6931	100	42	(	(	PUNCT
easat-6931	100	43	vcp	vcp	PROPN
easat-6931	100	44	)	)	PUNCT
easat-6931	100	45	tv1	tv1	PROPN
easat-6931	100	46	issuance	issuance	NOUN
easat-6931	100	47	of	of	ADP
easat-6931	100	48	new	new	ADJ
easat-6931	100	49	shares	share	NOUN
easat-6931	100	50	tv2	tv2	NOUN
easat-6931	100	51	retained	retain	VERB
easat-6931	100	52	earnings	earning	NOUN
easat-6931	100	53	tv3	tv3	NOUN
easat-6931	100	54	restriction	restriction	NOUN
easat-6931	100	55	on	on	ADP
easat-6931	100	56	dividend	dividend	NOUN
easat-6931	100	57	distribution	distribution	NOUN
easat-6931	100	58	tv4	tv4	NOUN
easat-6931	100	59	issuance	issuance	NOUN
easat-6931	100	60	of	of	ADP
easat-6931	100	61	long	long	ADJ
easat-6931	100	62	-	-	PUNCT
easat-6931	100	63	term	term	NOUN
easat-6931	100	64	bonds	bond	NOUN
easat-6931	100	65	tv5	tv5	PROPN
easat-6931	100	66	issuance	issuance	NOUN
easat-6931	100	67	of	of	ADP
easat-6931	100	68	convertible	convertible	ADJ
easat-6931	100	69	bonds	bond	NOUN
easat-6931	100	70	solutions	solution	NOUN
easat-6931	100	71	to	to	PART
easat-6931	100	72	increase	increase	VERB
easat-6931	100	73	capital	capital	NOUN
easat-6931	100	74	related	relate	VERB
easat-6931	100	75	to	to	ADP
easat-6931	100	76	state	state	NOUN
easat-6931	100	77	capital	capital	NOUN
easat-6931	100	78	(	(	PUNCT
easat-6931	100	79	vnn	vnn	NOUN
easat-6931	100	80	)	)	PUNCT
easat-6931	100	81	tv6	tv6	NOUN
easat-6931	100	82	open	open	ADJ
easat-6931	100	83	room	room	NOUN
easat-6931	100	84	,	,	PUNCT
easat-6931	100	85	sell	sell	VERB
easat-6931	100	86	shares	share	NOUN
easat-6931	100	87	to	to	ADP
easat-6931	100	88	foreign	foreign	ADJ
easat-6931	100	89	strategic	strategic	ADJ
easat-6931	100	90	investors	investor	NOUN
easat-6931	100	91	tv7	tv7	VERB
easat-6931	100	92	using	use	VERB
easat-6931	100	93	surplus	surplus	ADJ
easat-6931	100	94	resources	resource	NOUN
easat-6931	100	95	due	due	ADJ
easat-6931	100	96	to	to	ADP
easat-6931	100	97	reducing	reduce	VERB
easat-6931	100	98	the	the	DET
easat-6931	100	99	state	state	NOUN
easat-6931	100	100	ownership	ownership	NOUN
easat-6931	100	101	ratio	ratio	NOUN
easat-6931	100	102	from	from	ADP
easat-6931	100	103	financial	financial	ADJ
easat-6931	100	104	investment	investment	NOUN
easat-6931	100	105	sales	sale	NOUN
easat-6931	100	106	,	,	PUNCT
easat-6931	100	107	strategic	strategic	ADJ
easat-6931	100	108	sales	sale	NOUN
easat-6931	100	109	to	to	PART
easat-6931	100	110	advance	advance	VERB
easat-6931	100	111	dividend	dividend	NOUN
easat-6931	100	112	payments	payment	NOUN
easat-6931	100	113	to	to	PART
easat-6931	100	114	increase	increase	VERB
easat-6931	100	115	capital	capital	NOUN
easat-6931	100	116	tv8	tv8	NOUN
easat-6931	100	117	promote	promote	VERB
easat-6931	100	118	equitization	equitization	NOUN
easat-6931	100	119	and	and	CCONJ
easat-6931	100	120	reduce	reduce	VERB
easat-6931	100	121	the	the	DET
easat-6931	100	122	state	state	NOUN
easat-6931	100	123	ownership	ownership	NOUN
easat-6931	100	124	ratio	ratio	NOUN
easat-6931	100	125	in	in	ADP
easat-6931	100	126	state	state	NOUN
easat-6931	100	127	-	-	PUNCT
easat-6931	100	128	owned	own	VERB
easat-6931	100	129	commercial	commercial	ADJ
easat-6931	100	130	banks	bank	NOUN
easat-6931	100	131	socbs	socbs	NOUN
easat-6931	100	132	(	(	PUNCT
easat-6931	100	133	commercial	commercial	ADJ
easat-6931	100	134	banks	bank	NOUN
easat-6931	100	135	with	with	ADP
easat-6931	100	136	high	high	ADJ
easat-6931	100	137	ratio	ratio	NOUN
easat-6931	100	138	of	of	ADP
easat-6931	100	139	state	state	NOUN
easat-6931	100	140	ownership	ownership	NOUN
easat-6931	100	141	)	)	PUNCT
easat-6931	100	142	tv9	tv9	PROPN
easat-6931	100	143	increase	increase	VERB
easat-6931	100	144	capital	capital	NOUN
easat-6931	100	145	from	from	ADP
easat-6931	100	146	additional	additional	ADJ
easat-6931	100	147	state	state	NOUN
easat-6931	100	148	budget	budget	NOUN
easat-6931	100	149	sources	source	NOUN
easat-6931	100	150	.	.	PUNCT
easat-6931	101	1	tv10	tv10	PROPN
easat-6931	101	2	non	non	ADJ
easat-6931	101	3	-	-	ADJ
easat-6931	101	4	performing	perform	VERB
easat-6931	101	5	loan	loan	NOUN
easat-6931	101	6	resolution	resolution	NOUN
easat-6931	101	7	solutions	solution	NOUN
easat-6931	101	8	to	to	PART
easat-6931	101	9	increase	increase	VERB
easat-6931	101	10	capital	capital	NOUN
easat-6931	101	11	related	relate	VERB
easat-6931	101	12	to	to	ADP
easat-6931	101	13	banking	banking	NOUN
easat-6931	101	14	business	business	NOUN
easat-6931	101	15	(	(	PUNCT
easat-6931	101	16	vkd	vkd	NOUN
easat-6931	101	17	)	)	PUNCT
easat-6931	101	18	tv11	tv11	PROPN
easat-6931	101	19	downsizing	downsize	VERB
easat-6931	101	20	business	business	NOUN
easat-6931	101	21	and	and	CCONJ
easat-6931	101	22	service	service	NOUN
easat-6931	101	23	activities	activity	NOUN
easat-6931	101	24	in	in	ADP
easat-6931	101	25	some	some	DET
easat-6931	101	26	ineffective	ineffective	ADJ
easat-6931	101	27	sections	section	NOUN
easat-6931	101	28	tv12	tv12	PROPN
easat-6931	101	29	deducting	deduct	VERB
easat-6931	101	30	amounts	amount	NOUN
easat-6931	101	31	that	that	PRON
easat-6931	101	32	do	do	AUX
easat-6931	101	33	not	not	PART
easat-6931	101	34	comply	comply	VERB
easat-6931	101	35	with	with	ADP
easat-6931	101	36	regulations	regulation	NOUN
easat-6931	101	37	on	on	ADP
easat-6931	101	38	tier	tier	NOUN
easat-6931	101	39	1	1	NUM
easat-6931	101	40	and	and	CCONJ
easat-6931	101	41	tier	tier	NOUN
easat-6931	101	42	2	2	NUM
easat-6931	101	43	capital	capital	NOUN
easat-6931	101	44	of	of	ADP
easat-6931	101	45	basel	basel	PROPN
easat-6931	101	46	iii	iii	PROPN
easat-6931	102	1	tv13	tv13	PROPN
easat-6931	102	2	developing	develop	VERB
easat-6931	102	3	new	new	ADJ
easat-6931	102	4	business	business	NOUN
easat-6931	102	5	services	service	NOUN
easat-6931	102	6	tv14	tv14	PROPN
easat-6931	102	7	applying	apply	VERB
easat-6931	102	8	technology	technology	NOUN
easat-6931	102	9	to	to	PART
easat-6931	102	10	reduce	reduce	VERB
easat-6931	102	11	operating	operating	NOUN
easat-6931	102	12	costs	cost	NOUN
easat-6931	102	13	tv15	tv15	PROPN
easat-6931	102	14	use	use	VERB
easat-6931	102	15	low	low	ADJ
easat-6931	102	16	-	-	PUNCT
easat-6931	102	17	cost	cost	NOUN
easat-6931	102	18	strategies	strategy	NOUN
easat-6931	102	19	to	to	PART
easat-6931	102	20	save	save	VERB
easat-6931	102	21	capital	capital	NOUN
easat-6931	102	22	530	530	NUM
easat-6931	102	23	edelweiss	edelweiss	PROPN
easat-6931	102	24	applied	apply	VERB
easat-6931	102	25	science	science	NOUN
easat-6931	102	26	and	and	CCONJ
easat-6931	102	27	technology	technology	NOUN
easat-6931	102	28	issn	issn	PROPN
easat-6931	102	29	:	:	PUNCT
easat-6931	102	30	2576	2576	NUM
easat-6931	102	31	-	-	SYM
easat-6931	102	32	8484	8484	NUM
easat-6931	102	33	vol	vol	NOUN
easat-6931	102	34	.	.	PROPN
easat-6931	103	1	9	9	NUM
easat-6931	103	2	,	,	PUNCT
easat-6931	103	3	no	no	INTJ
easat-6931	103	4	.	.	NOUN
easat-6931	103	5	5	5	NUM
easat-6931	103	6	:	:	PUNCT
easat-6931	103	7	524	524	NUM
easat-6931	103	8	-	-	SYM
easat-6931	103	9	536	536	NUM
easat-6931	103	10	,	,	PUNCT
easat-6931	103	11	2025	2025	NUM
easat-6931	103	12	doi	doi	NOUN
easat-6931	103	13	:	:	PUNCT
easat-6931	103	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	103	15	©	©	PROPN
easat-6931	103	16	2025	2025	NUM
easat-6931	103	17	by	by	ADP
easat-6931	103	18	the	the	DET
easat-6931	103	19	authors	author	NOUN
easat-6931	103	20	;	;	PUNCT
easat-6931	103	21	licensee	licensee	PROPN
easat-6931	103	22	learning	learn	VERB
easat-6931	103	23	gate	gate	NOUN
easat-6931	103	24	system	system	NOUN
easat-6931	103	25	-	-	PUNCT
easat-6931	103	26	wide	wide	ADJ
easat-6931	103	27	solutions	solution	NOUN
easat-6931	103	28	(	(	PUNCT
easat-6931	103	29	ht	ht	X
easat-6931	103	30	)	)	PUNCT
easat-6931	103	31	ht1	ht1	PROPN
easat-6931	103	32	identifying	identify	VERB
easat-6931	103	33	basel	basel	PROPN
easat-6931	103	34	iii	iii	PROPN
easat-6931	103	35	and	and	CCONJ
easat-6931	103	36	subsequent	subsequent	ADJ
easat-6931	103	37	versions	version	NOUN
easat-6931	103	38	of	of	ADP
easat-6931	103	39	basel	basel	PROPN
easat-6931	103	40	iii	iii	PROPN
easat-6931	103	41	as	as	ADP
easat-6931	103	42	for	for	ADP
easat-6931	103	43	the	the	DET
easat-6931	103	44	safety	safety	NOUN
easat-6931	103	45	of	of	ADP
easat-6931	103	46	the	the	DET
easat-6931	103	47	banking	banking	NOUN
easat-6931	103	48	system	system	NOUN
easat-6931	103	49	ht2	ht2	PROPN
easat-6931	103	50	authorities	authority	NOUN
easat-6931	103	51	orient	orient	PROPN
easat-6931	103	52	capital	capital	PROPN
easat-6931	103	53	increase	increase	NOUN
easat-6931	103	54	for	for	ADP
easat-6931	103	55	the	the	DET
easat-6931	103	56	banking	banking	NOUN
easat-6931	103	57	system	system	NOUN
easat-6931	103	58	in	in	ADP
easat-6931	103	59	the	the	DET
easat-6931	103	60	medium	medium	ADJ
easat-6931	103	61	and	and	CCONJ
easat-6931	103	62	long	long	ADJ
easat-6931	103	63	term	term	NOUN
easat-6931	103	64	ht3	ht3	NOUN
easat-6931	103	65	developing	develop	VERB
easat-6931	103	66	and	and	CCONJ
easat-6931	103	67	promulgating	promulgate	VERB
easat-6931	103	68	solutions	solution	NOUN
easat-6931	103	69	to	to	PART
easat-6931	103	70	support	support	VERB
easat-6931	103	71	banks	bank	NOUN
easat-6931	103	72	in	in	ADP
easat-6931	103	73	implementing	implement	VERB
easat-6931	103	74	basel	basel	PROPN
easat-6931	103	75	iii	iii	PROPN
easat-6931	103	76	definitions	definition	NOUN
easat-6931	103	77	ht4	ht4	VERB
easat-6931	103	78	improving	improve	VERB
easat-6931	103	79	banking	banking	NOUN
easat-6931	103	80	supervision	supervision	NOUN
easat-6931	103	81	methods	method	NOUN
easat-6931	103	82	,	,	PUNCT
easat-6931	103	83	techniques	technique	NOUN
easat-6931	103	84	,	,	PUNCT
easat-6931	103	85	and	and	CCONJ
easat-6931	103	86	tools	tool	NOUN
easat-6931	103	87	in	in	ADP
easat-6931	103	88	accordance	accordance	NOUN
easat-6931	103	89	with	with	ADP
easat-6931	103	90	basel	basel	PROPN
easat-6931	103	91	iii	iii	PROPN
easat-6931	103	92	(	(	PUNCT
easat-6931	103	93	developing	develop	VERB
easat-6931	103	94	banking	banking	NOUN
easat-6931	103	95	supervision	supervision	NOUN
easat-6931	103	96	manuals	manual	NOUN
easat-6931	103	97	,	,	PUNCT
easat-6931	103	98	skills	skill	NOUN
easat-6931	103	99	for	for	ADP
easat-6931	103	100	supervision	supervision	NOUN
easat-6931	103	101	,	,	PUNCT
easat-6931	103	102	analysis	analysis	NOUN
easat-6931	103	103	,	,	PUNCT
easat-6931	103	104	inspection	inspection	NOUN
easat-6931	103	105	,	,	PUNCT
easat-6931	103	106	warning	warning	NOUN
easat-6931	103	107	,	,	PUNCT
easat-6931	103	108	early	early	ADJ
easat-6931	103	109	intervention	intervention	NOUN
easat-6931	103	110	...	...	PUNCT
easat-6931	103	111	)	)	PUNCT
easat-6931	104	1	ht5	ht5	ADV
easat-6931	104	2	developing	develop	VERB
easat-6931	104	3	a	a	DET
easat-6931	104	4	credit	credit	NOUN
easat-6931	104	5	rating	rating	NOUN
easat-6931	104	6	network	network	NOUN
easat-6931	104	7	that	that	PRON
easat-6931	104	8	meets	meet	VERB
easat-6931	104	9	with	with	ADP
easat-6931	104	10	basel	basel	PROPN
easat-6931	104	11	iii	iii	PROPN
easat-6931	104	12	standards	standard	NOUN
easat-6931	104	13	ht6	ht6	NOUN
easat-6931	104	14	developing	develop	VERB
easat-6931	104	15	a	a	DET
easat-6931	104	16	bank	bank	NOUN
easat-6931	104	17	rating	rating	NOUN
easat-6931	104	18	network	network	NOUN
easat-6931	104	19	in	in	ADP
easat-6931	104	20	accordance	accordance	NOUN
easat-6931	104	21	with	with	ADP
easat-6931	104	22	basel	basel	PROPN
easat-6931	104	23	iii	iii	PROPN
easat-6931	104	24	ht7	ht7	PROPN
easat-6931	104	25	improving	improve	VERB
easat-6931	104	26	the	the	DET
easat-6931	104	27	capacity	capacity	NOUN
easat-6931	104	28	of	of	ADP
easat-6931	104	29	supervisory	supervisory	ADJ
easat-6931	104	30	,	,	PUNCT
easat-6931	104	31	licensing	licensing	NOUN
easat-6931	104	32	and	and	CCONJ
easat-6931	104	33	assessment	assessment	NOUN
easat-6931	104	34	authorities	authority	NOUN
easat-6931	104	35	to	to	PART
easat-6931	104	36	meet	meet	VERB
easat-6931	104	37	with	with	ADP
easat-6931	104	38	basel	basel	PROPN
easat-6931	104	39	iii	iii	PROPN
easat-6931	104	40	standards	standard	NOUN
easat-6931	104	41	for	for	ADP
easat-6931	104	42	banks	bank	NOUN
easat-6931	104	43	ht8	ht8	VERB
easat-6931	104	44	the	the	DET
easat-6931	104	45	rating	rating	NOUN
easat-6931	104	46	system	system	NOUN
easat-6931	104	47	for	for	ADP
easat-6931	104	48	global	global	ADJ
easat-6931	104	49	systemically	systemically	ADV
easat-6931	104	50	important	important	ADJ
easat-6931	104	51	banks	bank	NOUN
easat-6931	104	52	and	and	CCONJ
easat-6931	104	53	domestic	domestic	ADJ
easat-6931	104	54	systemically	systemically	ADV
easat-6931	104	55	important	important	ADJ
easat-6931	104	56	banks	bank	NOUN
easat-6931	104	57	is	be	AUX
easat-6931	104	58	consistent	consistent	ADJ
easat-6931	104	59	with	with	ADP
easat-6931	104	60	basel	basel	PROPN
easat-6931	104	61	iii	iii	PROPN
easat-6931	104	62	guidelines	guideline	NOUN
easat-6931	104	63	.	.	PUNCT
easat-6931	105	1	ht9	ht9	PROPN
easat-6931	105	2	building	build	VERB
easat-6931	105	3	a	a	DET
easat-6931	105	4	culture	culture	NOUN
easat-6931	105	5	of	of	ADP
easat-6931	105	6	banking	banking	NOUN
easat-6931	105	7	inspection	inspection	NOUN
easat-6931	105	8	and	and	CCONJ
easat-6931	105	9	supervision	supervision	NOUN
easat-6931	105	10	towards	towards	ADP
easat-6931	105	11	risk	risk	NOUN
easat-6931	105	12	management	management	NOUN
easat-6931	105	13	regulations	regulation	NOUN
easat-6931	105	14	according	accord	VERB
easat-6931	105	15	to	to	ADP
easat-6931	105	16	basel	basel	PROPN
easat-6931	105	17	iii	iii	PROPN
easat-6931	105	18	international	international	ADJ
easat-6931	105	19	practices	practice	NOUN
easat-6931	105	20	ht10	ht10	PROPN
easat-6931	105	21	using	use	VERB
easat-6931	105	22	the	the	DET
easat-6931	105	23	advisory	advisory	ADJ
easat-6931	105	24	support	support	NOUN
easat-6931	105	25	of	of	ADP
easat-6931	105	26	the	the	DET
easat-6931	105	27	basel	basel	PROPN
easat-6931	105	28	committee	committee	NOUN
easat-6931	105	29	ht11	ht11	PROPN
easat-6931	105	30	giving	give	VERB
easat-6931	105	31	guidance	guidance	NOUN
easat-6931	105	32	to	to	ADP
easat-6931	105	33	banks	bank	NOUN
easat-6931	105	34	to	to	PART
easat-6931	105	35	apply	apply	VERB
easat-6931	105	36	international	international	ADJ
easat-6931	105	37	accounting	accounting	NOUN
easat-6931	105	38	practices	practice	NOUN
easat-6931	105	39	(	(	PUNCT
easat-6931	105	40	ifrs	ifrs	PROPN
easat-6931	105	41	)	)	PUNCT
easat-6931	105	42	ht12	ht12	PROPN
easat-6931	105	43	improving	improve	VERB
easat-6931	105	44	the	the	DET
easat-6931	105	45	information	information	NOUN
easat-6931	105	46	technology	technology	NOUN
easat-6931	105	47	system	system	NOUN
easat-6931	105	48	of	of	ADP
easat-6931	105	49	the	the	DET
easat-6931	105	50	banking	banking	NOUN
easat-6931	105	51	supervision	supervision	NOUN
easat-6931	105	52	agency	agency	NOUN
easat-6931	105	53	regarding	regard	VERB
easat-6931	105	54	survey	survey	NOUN
easat-6931	105	55	size	size	NOUN
easat-6931	105	56	,	,	PUNCT
easat-6931	105	57	the	the	DET
easat-6931	105	58	author	author	NOUN
easat-6931	105	59	conducted	conduct	VERB
easat-6931	105	60	a	a	DET
easat-6931	105	61	survey	survey	NOUN
easat-6931	105	62	of	of	ADP
easat-6931	105	63	commercial	commercial	ADJ
easat-6931	105	64	banks	bank	NOUN
easat-6931	105	65	doing	do	VERB
easat-6931	105	66	business	business	NOUN
easat-6931	105	67	in	in	ADP
easat-6931	105	68	vietnam	vietnam	PROPN
easat-6931	105	69	with	with	ADP
easat-6931	105	70	an	an	DET
easat-6931	105	71	appropriate	appropriate	ADJ
easat-6931	105	72	number	number	NOUN
easat-6931	105	73	of	of	ADP
easat-6931	105	74	survey	survey	NOUN
easat-6931	105	75	forms	form	NOUN
easat-6931	105	76	for	for	ADP
easat-6931	105	77	research	research	NOUN
easat-6931	105	78	requirements	requirement	NOUN
easat-6931	105	79	(	(	PUNCT
easat-6931	105	80	according	accord	VERB
easat-6931	105	81	to	to	ADP
easat-6931	105	82	nguyen	nguyen	NOUN
easat-6931	106	1	[	[	X
easat-6931	106	2	20	20	NUM
easat-6931	106	3	]	]	NUM
easat-6931	106	4	)	)	PUNCT
easat-6931	106	5	,	,	PUNCT
easat-6931	106	6	normal	normal	ADJ
easat-6931	106	7	scale	scale	NOUN
easat-6931	106	8	for	for	ADP
easat-6931	106	9	regression	regression	NOUN
easat-6931	106	10	analysis	analysis	NOUN
easat-6931	106	11	,	,	PUNCT
easat-6931	106	12	correlation	correlation	NOUN
easat-6931	106	13	or	or	CCONJ
easat-6931	106	14	group	group	NOUN
easat-6931	106	15	testing	testing	NOUN
easat-6931	106	16	is	be	AUX
easat-6931	106	17	at	at	ADP
easat-6931	106	18	least	least	ADJ
easat-6931	106	19	100	100	NUM
easat-6931	106	20	or	or	CCONJ
easat-6931	106	21	more	more	ADJ
easat-6931	106	22	than	than	ADP
easat-6931	106	23	100	100	NUM
easat-6931	106	24	observations	observation	NOUN
easat-6931	106	25	;	;	PUNCT
easat-6931	106	26	according	accord	VERB
easat-6931	106	27	to	to	ADP
easat-6931	106	28	hair	hair	NOUN
easat-6931	106	29	,	,	PUNCT
easat-6931	106	30	et	et	PROPN
easat-6931	106	31	al	al	PROPN
easat-6931	106	32	.	.	PUNCT
easat-6931	107	1	[	[	X
easat-6931	107	2	21	21	NUM
easat-6931	107	3	]	]	PUNCT
easat-6931	107	4	there	there	PRON
easat-6931	107	5	should	should	AUX
easat-6931	107	6	be	be	AUX
easat-6931	107	7	about	about	ADV
easat-6931	107	8	384	384	NUM
easat-6931	107	9	observations	observation	NOUN
easat-6931	107	10	)	)	PUNCT
easat-6931	107	11	.	.	PUNCT
easat-6931	108	1	the	the	DET
easat-6931	108	2	survey	survey	NOUN
easat-6931	108	3	subjects	subject	NOUN
easat-6931	108	4	were	be	AUX
easat-6931	108	5	115	115	NUM
easat-6931	108	6	credit	credit	NOUN
easat-6931	108	7	institutions	institution	NOUN
easat-6931	108	8	,	,	PUNCT
easat-6931	108	9	foreign	foreign	ADJ
easat-6931	108	10	bank	bank	NOUN
easat-6931	108	11	branches	branch	NOUN
easat-6931	108	12	,	,	PUNCT
easat-6931	108	13	100	100	NUM
easat-6931	108	14	%	%	NOUN
easat-6931	108	15	foreign	foreign	NOUN
easat-6931	108	16	-	-	PUNCT
easat-6931	108	17	owned	own	VERB
easat-6931	108	18	banks	bank	NOUN
easat-6931	108	19	,	,	PUNCT
easat-6931	108	20	and	and	CCONJ
easat-6931	108	21	financial	financial	ADJ
easat-6931	108	22	companies	company	NOUN
easat-6931	108	23	with	with	ADP
easat-6931	108	24	banking	banking	NOUN
easat-6931	108	25	operations	operation	NOUN
easat-6931	108	26	in	in	ADP
easat-6931	108	27	vietnam	vietnam	PROPN
easat-6931	108	28	.	.	PUNCT
easat-6931	109	1	commercial	commercial	ADJ
easat-6931	109	2	bank	bank	PROPN
easat-6931	109	3	officials	official	NOUN
easat-6931	109	4	with	with	ADP
easat-6931	109	5	appropriate	appropriate	ADJ
easat-6931	109	6	positions	position	NOUN
easat-6931	109	7	to	to	PART
easat-6931	109	8	answer	answer	VERB
easat-6931	109	9	survey	survey	NOUN
easat-6931	109	10	questions	question	NOUN
easat-6931	109	11	are	be	AUX
easat-6931	109	12	leaders	leader	NOUN
easat-6931	109	13	and	and	CCONJ
easat-6931	109	14	officers	officer	NOUN
easat-6931	109	15	working	work	VERB
easat-6931	109	16	in	in	ADP
easat-6931	109	17	risk	risk	NOUN
easat-6931	109	18	management	management	NOUN
easat-6931	109	19	,	,	PUNCT
easat-6931	109	20	basel	basel	PROPN
easat-6931	109	21	ii	ii	PROPN
easat-6931	109	22	/	/	SYM
easat-6931	109	23	iii	iii	PROPN
easat-6931	109	24	project	project	NOUN
easat-6931	109	25	management	management	NOUN
easat-6931	109	26	,	,	PUNCT
easat-6931	109	27	capital	capital	NOUN
easat-6931	109	28	accounting	accounting	NOUN
easat-6931	109	29	,	,	PUNCT
easat-6931	109	30	strategic	strategic	ADJ
easat-6931	109	31	planning	planning	NOUN
easat-6931	109	32	,	,	PUNCT
easat-6931	109	33	media	medium	NOUN
easat-6931	109	34	and	and	CCONJ
easat-6931	109	35	a	a	DET
easat-6931	109	36	number	number	NOUN
easat-6931	109	37	of	of	ADP
easat-6931	109	38	other	other	ADJ
easat-6931	109	39	relevant	relevant	ADJ
easat-6931	109	40	staff	staff	NOUN
easat-6931	109	41	.	.	PUNCT
easat-6931	110	1	5	5	X
easat-6931	110	2	.	.	X
easat-6931	110	3	research	research	NOUN
easat-6931	110	4	results	result	NOUN
easat-6931	110	5	and	and	CCONJ
easat-6931	110	6	comments	comment	NOUN
easat-6931	110	7	descriptive	descriptive	ADJ
easat-6931	110	8	statistics	statistic	NOUN
easat-6931	110	9	of	of	ADP
easat-6931	110	10	the	the	DET
easat-6931	110	11	survey	survey	NOUN
easat-6931	110	12	sample	sample	NOUN
easat-6931	110	13	:	:	PUNCT
easat-6931	110	14	the	the	DET
easat-6931	110	15	author	author	NOUN
easat-6931	110	16	sent	send	VERB
easat-6931	110	17	official	official	ADJ
easat-6931	110	18	dispatches	dispatch	NOUN
easat-6931	110	19	to	to	ADP
easat-6931	110	20	115	115	NUM
easat-6931	110	21	credit	credit	NOUN
easat-6931	110	22	institutions	institution	NOUN
easat-6931	110	23	,	,	PUNCT
easat-6931	110	24	foreign	foreign	ADJ
easat-6931	110	25	bank	bank	NOUN
easat-6931	110	26	branches	branch	NOUN
easat-6931	110	27	and	and	CCONJ
easat-6931	110	28	financial	financial	ADJ
easat-6931	110	29	companies	company	NOUN
easat-6931	110	30	in	in	ADP
easat-6931	110	31	vietnam	vietnam	PROPN
easat-6931	110	32	.	.	PUNCT
easat-6931	111	1	the	the	DET
easat-6931	111	2	result	result	NOUN
easat-6931	111	3	was	be	AUX
easat-6931	111	4	212	212	NUM
easat-6931	111	5	valid	valid	ADJ
easat-6931	111	6	survey	survey	NOUN
easat-6931	111	7	forms	form	NOUN
easat-6931	111	8	.	.	PUNCT
easat-6931	112	1	the	the	DET
easat-6931	112	2	research	research	NOUN
easat-6931	112	3	focuses	focus	VERB
easat-6931	112	4	on	on	ADP
easat-6931	112	5	commercial	commercial	ADJ
easat-6931	112	6	banks	bank	NOUN
easat-6931	112	7	,	,	PUNCT
easat-6931	112	8	so	so	SCONJ
easat-6931	112	9	the	the	DET
easat-6931	112	10	author	author	NOUN
easat-6931	112	11	continues	continue	VERB
easat-6931	112	12	to	to	PART
easat-6931	112	13	leave	leave	VERB
easat-6931	112	14	out	out	ADP
easat-6931	112	15	survey	survey	NOUN
easat-6931	112	16	forms	form	NOUN
easat-6931	112	17	from	from	ADP
easat-6931	112	18	groups	group	NOUN
easat-6931	112	19	of	of	ADP
easat-6931	112	20	financial	financial	ADJ
easat-6931	112	21	companies	company	NOUN
easat-6931	112	22	in	in	ADP
easat-6931	112	23	vietnam	vietnam	PROPN
easat-6931	112	24	;	;	PUNCT
easat-6931	112	25	the	the	DET
easat-6931	112	26	remaining	remain	VERB
easat-6931	112	27	results	result	NOUN
easat-6931	112	28	were	be	AUX
easat-6931	112	29	191	191	NUM
easat-6931	112	30	official	official	ADJ
easat-6931	112	31	forms	form	NOUN
easat-6931	112	32	,	,	PUNCT
easat-6931	112	33	which	which	PRON
easat-6931	112	34	is	be	AUX
easat-6931	112	35	eligible	eligible	ADJ
easat-6931	112	36	for	for	ADP
easat-6931	112	37	inclusion	inclusion	NOUN
easat-6931	112	38	in	in	ADP
easat-6931	112	39	research	research	NOUN
easat-6931	112	40	analysis	analysis	NOUN
easat-6931	112	41	.	.	PUNCT
easat-6931	113	1	the	the	DET
easat-6931	113	2	survey	survey	NOUN
easat-6931	113	3	structure	structure	NOUN
easat-6931	113	4	by	by	ADP
easat-6931	113	5	field	field	NOUN
easat-6931	113	6	of	of	ADP
easat-6931	113	7	work	work	NOUN
easat-6931	113	8	is	be	AUX
easat-6931	113	9	described	describe	VERB
easat-6931	113	10	in	in	ADP
easat-6931	113	11	figure	figure	NOUN
easat-6931	113	12	2	2	NUM
easat-6931	113	13	.	.	PUNCT
easat-6931	114	1	the	the	DET
easat-6931	114	2	survey	survey	NOUN
easat-6931	114	3	also	also	ADV
easat-6931	114	4	shows	show	VERB
easat-6931	114	5	that	that	SCONJ
easat-6931	114	6	survey	survey	NOUN
easat-6931	114	7	participants	participant	NOUN
easat-6931	114	8	have	have	VERB
easat-6931	114	9	decent	decent	ADJ
easat-6931	114	10	ability	ability	NOUN
easat-6931	114	11	,	,	PUNCT
easat-6931	114	12	qualifications	qualification	NOUN
easat-6931	114	13	,	,	PUNCT
easat-6931	114	14	and	and	CCONJ
easat-6931	114	15	experience	experience	NOUN
easat-6931	114	16	(	(	PUNCT
easat-6931	114	17	51.4	51.4	NUM
easat-6931	114	18	%	%	NOUN
easat-6931	114	19	university	university	NOUN
easat-6931	114	20	degree	degree	NOUN
easat-6931	114	21	;	;	PUNCT
easat-6931	114	22	48.6	48.6	NUM
easat-6931	114	23	%	%	NOUN
easat-6931	114	24	master	master	NOUN
easat-6931	114	25	's	's	PART
easat-6931	114	26	degree	degree	NOUN
easat-6931	114	27	;	;	PUNCT
easat-6931	114	28	43.9	43.9	NUM
easat-6931	114	29	%	%	NOUN
easat-6931	114	30	over	over	ADP
easat-6931	114	31	15	15	NUM
easat-6931	114	32	years	year	NOUN
easat-6931	114	33	of	of	ADP
easat-6931	114	34	working	work	VERB
easat-6931	114	35	experience	experience	NOUN
easat-6931	114	36	;	;	PUNCT
easat-6931	114	37	28.8	28.8	NUM
easat-6931	114	38	%	%	NOUN
easat-6931	114	39	from	from	ADP
easat-6931	114	40	11	11	NUM
easat-6931	114	41	~	~	SYM
easat-6931	114	42	15	15	NUM
easat-6931	114	43	years	year	NOUN
easat-6931	114	44	;	;	PUNCT
easat-6931	114	45	21.2	21.2	NUM
easat-6931	114	46	%	%	NOUN
easat-6931	114	47	from	from	ADP
easat-6931	114	48	6	6	NUM
easat-6931	114	49	~	~	SYM
easat-6931	114	50	10	10	NUM
easat-6931	114	51	years	year	NOUN
easat-6931	114	52	;	;	PUNCT
easat-6931	114	53	6.1	6.1	NUM
easat-6931	114	54	%	%	NOUN
easat-6931	114	55	less	less	ADJ
easat-6931	114	56	than	than	ADP
easat-6931	114	57	5	5	NUM
easat-6931	114	58	years	year	NOUN
easat-6931	114	59	)	)	PUNCT
easat-6931	114	60	.	.	PUNCT
easat-6931	115	1	therefore	therefore	ADV
easat-6931	115	2	,	,	PUNCT
easat-6931	115	3	the	the	DET
easat-6931	115	4	survey	survey	NOUN
easat-6931	115	5	sample	sample	NOUN
easat-6931	115	6	is	be	AUX
easat-6931	115	7	basically	basically	ADV
easat-6931	115	8	suitable	suitable	ADJ
easat-6931	115	9	for	for	ADP
easat-6931	115	10	quantitative	quantitative	ADJ
easat-6931	115	11	research	research	NOUN
easat-6931	115	12	.	.	PUNCT
easat-6931	116	1	531	531	NUM
easat-6931	116	2	edelweiss	edelweiss	PROPN
easat-6931	116	3	applied	apply	VERB
easat-6931	116	4	science	science	NOUN
easat-6931	116	5	and	and	CCONJ
easat-6931	116	6	technology	technology	NOUN
easat-6931	116	7	issn	issn	PROPN
easat-6931	116	8	:	:	PUNCT
easat-6931	116	9	2576	2576	NUM
easat-6931	116	10	-	-	SYM
easat-6931	116	11	8484	8484	NUM
easat-6931	116	12	vol	vol	NOUN
easat-6931	116	13	.	.	PROPN
easat-6931	117	1	9	9	NUM
easat-6931	117	2	,	,	PUNCT
easat-6931	117	3	no	no	INTJ
easat-6931	117	4	.	.	NOUN
easat-6931	117	5	5	5	NUM
easat-6931	117	6	:	:	PUNCT
easat-6931	117	7	524	524	NUM
easat-6931	117	8	-	-	SYM
easat-6931	117	9	536	536	NUM
easat-6931	117	10	,	,	PUNCT
easat-6931	117	11	2025	2025	NUM
easat-6931	117	12	doi	doi	NOUN
easat-6931	117	13	:	:	PUNCT
easat-6931	117	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	117	15	©	©	PROPN
easat-6931	117	16	2025	2025	NUM
easat-6931	117	17	by	by	ADP
easat-6931	117	18	the	the	DET
easat-6931	117	19	authors	author	NOUN
easat-6931	117	20	;	;	PUNCT
easat-6931	117	21	licensee	licensee	PROPN
easat-6931	117	22	learning	learn	VERB
easat-6931	117	23	gate	gate	NOUN
easat-6931	117	24	figure	figure	NOUN
easat-6931	117	25	2	2	NUM
easat-6931	117	26	.	.	PUNCT
easat-6931	117	27	structure	structure	NOUN
easat-6931	117	28	of	of	ADP
easat-6931	117	29	survey	survey	NOUN
easat-6931	117	30	participants	participant	NOUN
easat-6931	117	31	.	.	PUNCT
easat-6931	118	1	results	result	NOUN
easat-6931	118	2	of	of	ADP
easat-6931	118	3	scale	scale	NOUN
easat-6931	118	4	testing	testing	NOUN
easat-6931	118	5	:	:	PUNCT
easat-6931	118	6	the	the	DET
easat-6931	118	7	author	author	NOUN
easat-6931	118	8	tested	test	VERB
easat-6931	118	9	the	the	DET
easat-6931	118	10	scale	scale	NOUN
easat-6931	118	11	through	through	ADP
easat-6931	118	12	the	the	DET
easat-6931	118	13	cronbach	cronbach	NOUN
easat-6931	118	14	's	's	PART
easat-6931	118	15	alpha	alpha	ADJ
easat-6931	118	16	coefficient	coefficient	NOUN
easat-6931	118	17	for	for	ADP
easat-6931	118	18	each	each	DET
easat-6931	118	19	group	group	NOUN
easat-6931	118	20	of	of	ADP
easat-6931	118	21	observed	observed	ADJ
easat-6931	118	22	variables	variable	NOUN
easat-6931	118	23	of	of	ADP
easat-6931	118	24	the	the	DET
easat-6931	118	25	independent	independent	ADJ
easat-6931	118	26	and	and	CCONJ
easat-6931	118	27	dependent	dependent	ADJ
easat-6931	118	28	variables	variable	NOUN
easat-6931	118	29	(	(	PUNCT
easat-6931	118	30	according	accord	VERB
easat-6931	118	31	to	to	ADP
easat-6931	118	32	peterson	peterson	PROPN
easat-6931	118	33	[	[	X
easat-6931	118	34	22	22	NUM
easat-6931	118	35	]	]	PUNCT
easat-6931	118	36	)	)	PUNCT
easat-6931	118	37	,	,	PUNCT
easat-6931	118	38	cronbach	cronbach	PROPN
easat-6931	118	39	's	's	PART
easat-6931	118	40	alpha	alpha	NOUN
easat-6931	118	41	must	must	AUX
easat-6931	118	42	be	be	AUX
easat-6931	118	43	0.6	0.6	NUM
easat-6931	118	44	or	or	CCONJ
easat-6931	118	45	higher	high	ADJ
easat-6931	118	46	)	)	PUNCT
easat-6931	118	47	.	.	PUNCT
easat-6931	119	1	then	then	ADV
easat-6931	119	2	the	the	DET
easat-6931	119	3	author	author	NOUN
easat-6931	119	4	performed	perform	VERB
easat-6931	119	5	an	an	DET
easat-6931	119	6	exploratory	exploratory	ADJ
easat-6931	119	7	analysis	analysis	NOUN
easat-6931	119	8	of	of	ADP
easat-6931	119	9	the	the	DET
easat-6931	119	10	efa	efa	PROPN
easat-6931	119	11	factor	factor	NOUN
easat-6931	119	12	to	to	PART
easat-6931	119	13	evaluate	evaluate	VERB
easat-6931	119	14	the	the	DET
easat-6931	119	15	reliability	reliability	NOUN
easat-6931	119	16	,	,	PUNCT
easat-6931	119	17	analyze	analyze	VERB
easat-6931	119	18	and	and	CCONJ
easat-6931	119	19	adjust	adjust	VERB
easat-6931	119	20	factors	factor	NOUN
easat-6931	119	21	accordingly	accordingly	ADV
easat-6931	119	22	[	[	X
easat-6931	119	23	23	23	NUM
easat-6931	119	24	]	]	PUNCT
easat-6931	119	25	believes	believe	VERB
easat-6931	119	26	that	that	SCONJ
easat-6931	119	27	in	in	ADP
easat-6931	119	28	factor	factor	NOUN
easat-6931	119	29	analysis	analysis	NOUN
easat-6931	119	30	,	,	PUNCT
easat-6931	119	31	factors	factor	NOUN
easat-6931	119	32	must	must	AUX
easat-6931	119	33	reach	reach	VERB
easat-6931	119	34	kmo≥	kmo≥	PROPN
easat-6931	119	35	0.5	0.5	NUM
easat-6931	119	36	;	;	PUNCT
easat-6931	120	1	sig	sig	NOUN
easat-6931	120	2	.	.	PUNCT
easat-6931	120	3	≤0.05	≤0.05	PROPN
easat-6931	120	4	;	;	PUNCT
easat-6931	120	5	total	total	ADJ
easat-6931	120	6	variable	variable	ADJ
easat-6931	120	7	correlation	correlation	NOUN
easat-6931	120	8	≥	≥	NOUN
easat-6931	120	9	0.3	0.3	NUM
easat-6931	120	10	;	;	PUNCT
easat-6931	120	11	factor	factor	NOUN
easat-6931	120	12	loading	loading	NOUN
easat-6931	120	13	≥	≥	NOUN
easat-6931	120	14	0.5	0.5	NUM
easat-6931	120	15	)	)	PUNCT
easat-6931	120	16	.	.	PUNCT
easat-6931	121	1	the	the	DET
easat-6931	121	2	results	result	NOUN
easat-6931	121	3	of	of	ADP
easat-6931	121	4	scale	scale	NOUN
easat-6931	121	5	analysis	analysis	NOUN
easat-6931	121	6	and	and	CCONJ
easat-6931	121	7	testing	testing	NOUN
easat-6931	121	8	are	be	AUX
easat-6931	121	9	as	as	SCONJ
easat-6931	121	10	shown	show	VERB
easat-6931	121	11	in	in	ADP
easat-6931	121	12	table	table	NOUN
easat-6931	121	13	2	2	NUM
easat-6931	121	14	:	:	PUNCT
easat-6931	121	15	table	table	NOUN
easat-6931	121	16	2	2	NUM
easat-6931	121	17	.	.	NOUN
easat-6931	121	18	assessment	assessment	NOUN
easat-6931	121	19	of	of	ADP
easat-6931	121	20	reliability	reliability	NOUN
easat-6931	121	21	of	of	ADP
easat-6931	121	22	scale	scale	NOUN
easat-6931	121	23	testing	testing	NOUN
easat-6931	121	24	and	and	CCONJ
easat-6931	121	25	factor	factor	NOUN
easat-6931	121	26	analysis	analysis	NOUN
easat-6931	121	27	.	.	PUNCT
easat-6931	122	1	varibale	varibale	PROPN
easat-6931	122	2	elimina	elimina	PROPN
easat-6931	122	3	ted	te	VERB
easat-6931	122	4	variable	variable	ADJ
easat-6931	122	5	number	number	NOUN
easat-6931	122	6	of	of	ADP
easat-6931	122	7	factors	factor	NOUN
easat-6931	122	8	extracted	extract	VERB
easat-6931	122	9	name	name	NOUN
easat-6931	122	10	of	of	ADP
easat-6931	122	11	new	new	ADJ
easat-6931	122	12	factor	factor	NOUN
easat-6931	122	13	cronbach	cronbach	NOUN
easat-6931	122	14	’s	’s	PART
easat-6931	122	15	anpha	anpha	ADJ
easat-6931	122	16	corrected	correct	VERB
easat-6931	122	17	item	item	NOUN
easat-6931	122	18	–	–	PUNCT
easat-6931	122	19	total	total	ADJ
easat-6931	122	20	correlation	correlation	NOUN
easat-6931	122	21	sig	sig	NOUN
easat-6931	122	22	.	.	PUNCT
easat-6931	123	1	kmo	kmo	PROPN
easat-6931	123	2	assessment	assessment	NOUN
easat-6931	123	3	of	of	ADP
easat-6931	123	4	reliability	reliability	NOUN
easat-6931	123	5	bđvbiii	bđvbiii	VERB
easat-6931	123	6	gsib	gsib	NOUN
easat-6931	123	7	1	1	NUM
easat-6931	123	8	bđvbiii	bđvbiii	PROPN
easat-6931	123	9	(	(	PUNCT
easat-6931	123	10	ccob1	ccob1	PROPN
easat-6931	123	11	,	,	PUNCT
easat-6931	123	12	ccob2	ccob2	NOUN
easat-6931	123	13	,	,	PUNCT
easat-6931	123	14	ccyb1	ccyb1	PROPN
easat-6931	123	15	,	,	PUNCT
easat-6931	123	16	ccyb2	ccyb2	PROPN
easat-6931	123	17	,	,	PUNCT
easat-6931	123	18	dsib	dsib	PROPN
easat-6931	123	19	)	)	PUNCT
easat-6931	123	20	0.946	0.946	NUM
easat-6931	123	21	0.677~0.925	0.677~0.925	NOUN
easat-6931	123	22	0.00	0.00	NUM
easat-6931	123	23	0.731	0.731	NUM
easat-6931	123	24	reliable	reliable	ADJ
easat-6931	123	25	tthbiii	tthbiii	NOUN
easat-6931	123	26	1	1	NUM
easat-6931	123	27	tthbiii	tthbiii	NOUN
easat-6931	123	28	(	(	PUNCT
easat-6931	123	29	tth1	tth1	NOUN
easat-6931	123	30	~	~	SYM
easat-6931	123	31	tth7	tth7	PROPN
easat-6931	123	32	)	)	PUNCT
easat-6931	123	33	0.917	0.917	NUM
easat-6931	123	34	0.540~0.905	0.540~0.905	ADJ
easat-6931	123	35	0.00	0.00	NUM
easat-6931	123	36	0.904	0.904	NUM
easat-6931	123	37	reliable	reliable	ADJ
easat-6931	123	38	vcp	vcp	PROPN
easat-6931	123	39	tv5	tv5	PROPN
easat-6931	123	40	1	1	NUM
easat-6931	123	41	vcp(tv1	vcp(tv1	PROPN
easat-6931	123	42	~	~	NUM
easat-6931	123	43	tv4	tv4	NOUN
easat-6931	123	44	)	)	PUNCT
easat-6931	123	45	0.826	0.826	NUM
easat-6931	123	46	0.609~0.696	0.609~0.696	NOUN
easat-6931	123	47	0.00	0.00	NUM
easat-6931	123	48	0.658	0.658	NUM
easat-6931	123	49	reliable	reliable	ADJ
easat-6931	123	50	vnn	vnn	NOUN
easat-6931	123	51	tv10	tv10	PROPN
easat-6931	123	52	1	1	NUM
easat-6931	123	53	vnn	vnn	NOUN
easat-6931	123	54	(	(	PUNCT
easat-6931	123	55	tv6	tv6	NOUN
easat-6931	123	56	~tv9	~tv9	ADV
easat-6931	123	57	)	)	PUNCT
easat-6931	123	58	0.888	0.888	NUM
easat-6931	123	59	0.622~0.886	0.622~0.886	PROPN
easat-6931	123	60	0.00	0.00	NUM
easat-6931	123	61	0.781	0.781	NUM
easat-6931	123	62	reliable	reliable	ADJ
easat-6931	123	63	vkd	vkd	ADJ
easat-6931	123	64	1	1	NUM
easat-6931	123	65	vkd	vkd	NOUN
easat-6931	123	66	(	(	PUNCT
easat-6931	123	67	tv11	tv11	PROPN
easat-6931	123	68	~	~	SYM
easat-6931	123	69	tv15	tv15	PROPN
easat-6931	123	70	)	)	PUNCT
easat-6931	123	71	0.896	0.896	NUM
easat-6931	123	72	0.608~0.802	0.608~0.802	ADJ
easat-6931	123	73	0.00	0.00	NUM
easat-6931	123	74	0.815	0.815	NUM
easat-6931	123	75	reliable	reliable	ADJ
easat-6931	123	76	ht	ht	PROPN
easat-6931	123	77	1	1	NUM
easat-6931	123	78	ht	ht	PROPN
easat-6931	123	79	(	(	PUNCT
easat-6931	123	80	ht1	ht1	X
easat-6931	123	81	~	~	SYM
easat-6931	123	82	ht12	ht12	PROPN
easat-6931	123	83	)	)	PUNCT
easat-6931	123	84	0.979	0.979	NUM
easat-6931	124	1	0.677~0.937	0.677~0.937	NOUN
easat-6931	124	2	0.00	0.00	NUM
easat-6931	124	3	0.941	0.941	NUM
easat-6931	124	4	reliable	reliable	ADJ
easat-6931	124	5	results	result	NOUN
easat-6931	124	6	of	of	ADP
easat-6931	124	7	efa	efa	PROPN
easat-6931	124	8	exploratory	exploratory	ADJ
easat-6931	124	9	factor	factor	NOUN
easat-6931	124	10	analysis	analysis	NOUN
easat-6931	124	11	and	and	CCONJ
easat-6931	124	12	regression	regression	NOUN
easat-6931	124	13	correlation	correlation	NOUN
easat-6931	124	14	:	:	PUNCT
easat-6931	124	15	efa	efa	PROPN
easat-6931	124	16	analysis	analysis	NOUN
easat-6931	124	17	for	for	ADP
easat-6931	124	18	independent	independent	ADJ
easat-6931	124	19	and	and	CCONJ
easat-6931	124	20	dependent	dependent	ADJ
easat-6931	124	21	factors	factor	NOUN
easat-6931	124	22	(	(	PUNCT
easat-6931	124	23	table	table	NOUN
easat-6931	124	24	3	3	NUM
easat-6931	124	25	)	)	PUNCT
easat-6931	124	26	shows	show	VERB
easat-6931	124	27	that	that	SCONJ
easat-6931	124	28	kmo	kmo	PROPN
easat-6931	124	29	from	from	ADP
easat-6931	124	30	37	37	NUM
easat-6931	124	31	observed	observed	ADJ
easat-6931	124	32	variables	variable	NOUN
easat-6931	124	33	=	=	PUNCT
easat-6931	124	34	0.835	0.835	NUM
easat-6931	124	35	≥	≥	NUM
easat-6931	124	36	0.5	0.5	NUM
easat-6931	124	37	;	;	PUNCT
easat-6931	124	38	sig	sig	NOUN
easat-6931	124	39	.	.	PUNCT
easat-6931	124	40	barlett	barlett	PROPN
easat-6931	124	41	's	's	PART
easat-6931	124	42	test	test	NOUN
easat-6931	124	43	=	=	NOUN
easat-6931	124	44	0.000	0.000	NUM
easat-6931	124	45	≤	≤	NUM
easat-6931	124	46	0.05	0.05	NUM
easat-6931	124	47	is	be	AUX
easat-6931	124	48	suitable	suitable	ADJ
easat-6931	124	49	for	for	ADP
easat-6931	124	50	factor	factor	NOUN
easat-6931	124	51	analysis	analysis	NOUN
easat-6931	124	52	.	.	PUNCT
easat-6931	125	1	the	the	DET
easat-6931	125	2	variance	variance	NOUN
easat-6931	125	3	data	datum	NOUN
easat-6931	125	4	extracted	extract	VERB
easat-6931	125	5	in	in	ADP
easat-6931	125	6	the	the	DET
easat-6931	125	7	total	total	ADJ
easat-6931	125	8	variance	variance	NOUN
easat-6931	125	9	explained	explain	VERB
easat-6931	125	10	table	table	NOUN
easat-6931	125	11	shows	show	VERB
easat-6931	125	12	that	that	SCONJ
easat-6931	125	13	four	four	NUM
easat-6931	125	14	factors	factor	NOUN
easat-6931	125	15	extracted	extract	VERB
easat-6931	125	16	from	from	ADP
easat-6931	125	17	the	the	DET
easat-6931	125	18	independent	independent	ADJ
easat-6931	125	19	variables	variable	NOUN
easat-6931	125	20	explain	explain	VERB
easat-6931	125	21	78.465	78.465	NUM
easat-6931	125	22	%	%	NOUN
easat-6931	125	23	of	of	ADP
easat-6931	125	24	the	the	DET
easat-6931	125	25	variation	variation	NOUN
easat-6931	125	26	of	of	ADP
easat-6931	125	27	the	the	DET
easat-6931	125	28	observed	observed	ADJ
easat-6931	125	29	variables	variable	NOUN
easat-6931	125	30	.	.	PUNCT
easat-6931	126	1	this	this	DET
easat-6931	126	2	result	result	NOUN
easat-6931	126	3	is	be	AUX
easat-6931	126	4	consistent	consistent	ADJ
easat-6931	126	5	with	with	ADP
easat-6931	126	6	research	research	NOUN
easat-6931	126	7	regulations	regulation	NOUN
easat-6931	126	8	[	[	X
easat-6931	126	9	21	21	NUM
easat-6931	126	10	]	]	PUNCT
easat-6931	126	11	requiring	require	VERB
easat-6931	126	12	the	the	DET
easat-6931	126	13	extracted	extract	VERB
easat-6931	126	14	variance	variance	NOUN
easat-6931	126	15	to	to	PART
easat-6931	126	16	reach	reach	VERB
easat-6931	126	17	50	50	NUM
easat-6931	126	18	%	%	NOUN
easat-6931	126	19	or	or	CCONJ
easat-6931	126	20	more	more	ADJ
easat-6931	126	21	)	)	PUNCT
easat-6931	126	22	.	.	PUNCT
easat-6931	127	1	the	the	DET
easat-6931	127	2	result	result	NOUN
easat-6931	127	3	of	of	ADP
easat-6931	127	4	factor	factor	NOUN
easat-6931	127	5	rotation	rotation	NOUN
easat-6931	127	6	analysis	analysis	NOUN
easat-6931	127	7	show	show	VERB
easat-6931	127	8	that	that	SCONJ
easat-6931	127	9	532	532	NUM
easat-6931	127	10	edelweiss	edelweiss	PROPN
easat-6931	127	11	applied	apply	VERB
easat-6931	127	12	science	science	NOUN
easat-6931	127	13	and	and	CCONJ
easat-6931	127	14	technology	technology	NOUN
easat-6931	127	15	issn	issn	PROPN
easat-6931	127	16	:	:	PUNCT
easat-6931	127	17	2576	2576	NUM
easat-6931	127	18	-	-	SYM
easat-6931	127	19	8484	8484	NUM
easat-6931	127	20	vol	vol	NOUN
easat-6931	127	21	.	.	PROPN
easat-6931	128	1	9	9	NUM
easat-6931	128	2	,	,	PUNCT
easat-6931	128	3	no	no	INTJ
easat-6931	128	4	.	.	NOUN
easat-6931	128	5	5	5	NUM
easat-6931	128	6	:	:	PUNCT
easat-6931	128	7	524	524	NUM
easat-6931	128	8	-	-	SYM
easat-6931	128	9	536	536	NUM
easat-6931	128	10	,	,	PUNCT
easat-6931	128	11	2025	2025	NUM
easat-6931	128	12	doi	doi	NOUN
easat-6931	128	13	:	:	PUNCT
easat-6931	128	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	128	15	©	©	PROPN
easat-6931	128	16	2025	2025	NUM
easat-6931	128	17	by	by	ADP
easat-6931	128	18	the	the	DET
easat-6931	128	19	authors	author	NOUN
easat-6931	128	20	;	;	PUNCT
easat-6931	128	21	licensee	licensee	PROPN
easat-6931	128	22	learning	learning	NOUN
easat-6931	128	23	gate	gate	NOUN
easat-6931	128	24	independent	independent	ADJ
easat-6931	128	25	variables	variable	NOUN
easat-6931	128	26	are	be	AUX
easat-6931	128	27	classified	classify	VERB
easat-6931	128	28	into	into	ADP
easat-6931	128	29	5	5	NUM
easat-6931	128	30	main	main	ADJ
easat-6931	128	31	groups	group	NOUN
easat-6931	128	32	(	(	PUNCT
easat-6931	128	33	table	table	NOUN
easat-6931	128	34	2	2	NUM
easat-6931	128	35	):	):	PUNCT
easat-6931	128	36	(	(	PUNCT
easat-6931	128	37	i	i	NOUN
easat-6931	128	38	)	)	PUNCT
easat-6931	128	39	vcp	vcp	PROPN
easat-6931	128	40	(	(	PUNCT
easat-6931	128	41	tv1	tv1	PROPN
easat-6931	128	42	~	~	X
easat-6931	128	43	tv4	tv4	NOUN
easat-6931	128	44	)	)	PUNCT
easat-6931	128	45	;	;	PUNCT
easat-6931	128	46	(	(	PUNCT
easat-6931	128	47	ii	ii	NOUN
easat-6931	128	48	)	)	PUNCT
easat-6931	128	49	vnn	vnn	NOUN
easat-6931	128	50	(	(	PUNCT
easat-6931	128	51	tv6	tv6	PROPN
easat-6931	128	52	~	~	SYM
easat-6931	128	53	tv9	tv9	PROPN
easat-6931	128	54	)	)	PUNCT
easat-6931	128	55	;	;	PUNCT
easat-6931	128	56	(	(	PUNCT
easat-6931	128	57	iii	iii	X
easat-6931	128	58	)	)	PUNCT
easat-6931	128	59	vkd	vkd	NOUN
easat-6931	128	60	(	(	PUNCT
easat-6931	128	61	tv11	tv11	PROPN
easat-6931	128	62	~	~	SYM
easat-6931	128	63	tv15	tv15	PROPN
easat-6931	128	64	)	)	PUNCT
easat-6931	128	65	;	;	PUNCT
easat-6931	128	66	(	(	PUNCT
easat-6931	128	67	iv	iv	X
easat-6931	128	68	)	)	PUNCT
easat-6931	128	69	ht	ht	PROPN
easat-6931	128	70	(	(	PUNCT
easat-6931	128	71	ht1	ht1	X
easat-6931	128	72	~	~	SYM
easat-6931	128	73	ht12	ht12	PROPN
easat-6931	128	74	)	)	PUNCT
easat-6931	128	75	;	;	PUNCT
easat-6931	128	76	(	(	PUNCT
easat-6931	128	77	v	v	NOUN
easat-6931	128	78	)	)	PUNCT
easat-6931	128	79	tthbiii	tthbiii	NOUN
easat-6931	128	80	(	(	PUNCT
easat-6931	128	81	tth1	tth1	NOUN
easat-6931	128	82	~	~	SYM
easat-6931	128	83	tth7	tth7	PROPN
easat-6931	128	84	)	)	PUNCT
easat-6931	128	85	.	.	PUNCT
easat-6931	129	1	the	the	DET
easat-6931	129	2	dependent	dependent	ADJ
easat-6931	129	3	variable	variable	NOUN
easat-6931	129	4	is	be	AUX
easat-6931	129	5	classified	classify	VERB
easat-6931	129	6	into	into	ADP
easat-6931	129	7	1	1	NUM
easat-6931	129	8	group	group	NOUN
easat-6931	129	9	of	of	ADP
easat-6931	129	10	bđvbiii	bđvbiii	PROPN
easat-6931	129	11	(	(	PUNCT
easat-6931	129	12	ccob1	ccob1	PROPN
easat-6931	129	13	,	,	PUNCT
easat-6931	129	14	ccob2	ccob2	NOUN
easat-6931	129	15	,	,	PUNCT
easat-6931	129	16	ccyb1	ccyb1	PROPN
easat-6931	129	17	,	,	PUNCT
easat-6931	129	18	ccyb2	ccyb2	PROPN
easat-6931	129	19	,	,	PUNCT
easat-6931	129	20	dsib	dsib	PROPN
easat-6931	129	21	)	)	PUNCT
easat-6931	129	22	;	;	PUNCT
easat-6931	129	23	the	the	DET
easat-6931	129	24	gsib	gsib	NOUN
easat-6931	129	25	variable	variable	NOUN
easat-6931	129	26	was	be	AUX
easat-6931	129	27	eliminated	eliminate	VERB
easat-6931	129	28	because	because	SCONJ
easat-6931	129	29	vietnam	vietnam	PROPN
easat-6931	129	30	does	do	AUX
easat-6931	129	31	not	not	PART
easat-6931	129	32	have	have	VERB
easat-6931	129	33	a	a	DET
easat-6931	129	34	global	global	ADJ
easat-6931	129	35	systemically	systemically	ADV
easat-6931	129	36	important	important	ADJ
easat-6931	129	37	bank	bank	NOUN
easat-6931	129	38	gsib	gsib	NOUN
easat-6931	129	39	.	.	PUNCT
easat-6931	130	1	the	the	DET
easat-6931	130	2	pearson	pearson	PROPN
easat-6931	130	3	correlation	correlation	NOUN
easat-6931	130	4	coefficients	coefficient	NOUN
easat-6931	130	5	(	(	PUNCT
easat-6931	130	6	r	r	NOUN
easat-6931	130	7	)	)	PUNCT
easat-6931	130	8	in	in	ADP
easat-6931	130	9	table	table	NOUN
easat-6931	130	10	4	4	NUM
easat-6931	130	11	shows	show	VERB
easat-6931	130	12	that	that	SCONJ
easat-6931	130	13	the	the	DET
easat-6931	130	14	relationship	relationship	NOUN
easat-6931	130	15	between	between	ADP
easat-6931	130	16	variables	variable	NOUN
easat-6931	130	17	is	be	AUX
easat-6931	130	18	relatively	relatively	ADV
easat-6931	130	19	reasonable	reasonable	ADJ
easat-6931	130	20	in	in	ADP
easat-6931	130	21	direction	direction	NOUN
easat-6931	130	22	and	and	CCONJ
easat-6931	130	23	level	level	NOUN
easat-6931	130	24	.	.	PUNCT
easat-6931	131	1	most	most	ADJ
easat-6931	131	2	of	of	ADP
easat-6931	131	3	correlation	correlation	NOUN
easat-6931	131	4	coefficient	coefficient	NOUN
easat-6931	131	5	values	value	NOUN
easat-6931	131	6	ranges	range	VERB
easat-6931	131	7	from	from	ADP
easat-6931	131	8	0.2	0.2	NUM
easat-6931	131	9	0.8	0.8	NUM
easat-6931	131	10	,	,	PUNCT
easat-6931	131	11	indicating	indicate	VERB
easat-6931	131	12	that	that	SCONJ
easat-6931	131	13	variables	variable	NOUN
easat-6931	131	14	are	be	AUX
easat-6931	131	15	linearly	linearly	ADV
easat-6931	131	16	correlated	correlate	VERB
easat-6931	131	17	.	.	PUNCT
easat-6931	132	1	there	there	PRON
easat-6931	132	2	is	be	VERB
easat-6931	132	3	no	no	DET
easat-6931	132	4	correlation	correlation	NOUN
easat-6931	132	5	coefficient	coefficient	NOUN
easat-6931	132	6	˃	˃	NOUN
easat-6931	132	7	0.8	0.8	NUM
easat-6931	132	8	,	,	PUNCT
easat-6931	132	9	so	so	CCONJ
easat-6931	132	10	multicollinearity	multicollinearity	NOUN
easat-6931	132	11	does	do	AUX
easat-6931	132	12	not	not	PART
easat-6931	132	13	occur	occur	VERB
easat-6931	132	14	.	.	PUNCT
easat-6931	133	1	table	table	NOUN
easat-6931	133	2	3	3	NUM
easat-6931	133	3	.	.	X
easat-6931	133	4	kmo	kmo	PROPN
easat-6931	133	5	and	and	CCONJ
easat-6931	133	6	bartlett	bartlett	PROPN
easat-6931	133	7	's	's	PART
easat-6931	133	8	test	test	NOUN
easat-6931	133	9	/total	/total	PROPN
easat-6931	133	10	variance	variance	NOUN
easat-6931	133	11	explained	explain	VERB
easat-6931	133	12	.	.	PUNCT
easat-6931	134	1	kaiser	kaiser	PROPN
easat-6931	134	2	-	-	PUNCT
easat-6931	134	3	meyer	meyer	PROPN
easat-6931	134	4	-	-	PUNCT
easat-6931	134	5	olkin	olkin	NOUN
easat-6931	134	6	measure	measure	NOUN
easat-6931	134	7	of	of	ADP
easat-6931	134	8	sampling	sample	VERB
easat-6931	134	9	adequacy	adequacy	NOUN
easat-6931	134	10	.	.	PUNCT
easat-6931	135	1	0.835	0.835	NUM
easat-6931	135	2	bartlett	bartlett	PROPN
easat-6931	135	3	's	's	PART
easat-6931	135	4	test	test	NOUN
easat-6931	135	5	of	of	ADP
easat-6931	135	6	sphericity	sphericity	PROPN
easat-6931	135	7	approx	approx	PROPN
easat-6931	135	8	.	.	PUNCT
easat-6931	136	1	chi	chi	ADJ
easat-6931	136	2	-	-	PUNCT
easat-6931	136	3	square	square	ADJ
easat-6931	136	4	8651.494	8651.494	NUM
easat-6931	136	5	df	df	PROPN
easat-6931	136	6	666	666	NUM
easat-6931	136	7	sig	sig	NOUN
easat-6931	136	8	.	.	PROPN
easat-6931	136	9	.000	.000	NUM
easat-6931	136	10	componen	componen	PROPN
easat-6931	136	11	t	t	PROPN
easat-6931	136	12	initial	initial	NOUN
easat-6931	136	13	eigenvalues	eigenvalue	VERB
easat-6931	136	14	extraction	extraction	NOUN
easat-6931	136	15	sums	sum	NOUN
easat-6931	136	16	of	of	ADP
easat-6931	136	17	squared	square	VERB
easat-6931	136	18	loadings	loading	NOUN
easat-6931	136	19	rotation	rotation	NOUN
easat-6931	136	20	sums	sum	NOUN
easat-6931	136	21	of	of	ADP
easat-6931	136	22	squared	square	VERB
easat-6931	136	23	loadings	loading	NOUN
easat-6931	136	24	total	total	ADJ
easat-6931	136	25	%	%	NOUN
easat-6931	136	26	of	of	ADP
easat-6931	136	27	variance	variance	NOUN
easat-6931	136	28	cumulativ	cumulativ	NOUN
easat-6931	136	29	e	e	NOUN
easat-6931	136	30	%	%	NOUN
easat-6931	136	31	total	total	ADJ
easat-6931	136	32	%	%	NOUN
easat-6931	136	33	of	of	ADP
easat-6931	136	34	variance	variance	NOUN
easat-6931	136	35	cumulativ	cumulativ	NOUN
easat-6931	136	36	e	e	NOUN
easat-6931	136	37	%	%	NOUN
easat-6931	136	38	total	total	ADJ
easat-6931	136	39	%	%	NOUN
easat-6931	136	40	of	of	ADP
easat-6931	136	41	variance	variance	NOUN
easat-6931	136	42	cumulativ	cumulativ	NOUN
easat-6931	136	43	e	e	NOUN
easat-6931	137	1	%	%	INTJ
easat-6931	137	2	d	d	X
easat-6931	137	3	i	i	PRON
easat-6931	137	4	m	m	VERB
easat-6931	137	5	en	en	ADP
easat-6931	137	6	si	si	X
easat-6931	137	7	o	o	PROPN
easat-6931	137	8	n	n	CCONJ
easat-6931	137	9	0	0	NUM
easat-6931	137	10	1	1	NUM
easat-6931	137	11	12.482	12.482	NUM
easat-6931	137	12	33.734	33.734	NUM
easat-6931	137	13	33.734	33.734	NUM
easat-6931	137	14	12.482	12.482	NUM
easat-6931	137	15	33.734	33.734	NUM
easat-6931	137	16	33.734	33.734	NUM
easat-6931	137	17	10.005	10.005	NUM
easat-6931	137	18	27.042	27.042	NUM
easat-6931	137	19	27.042	27.042	NUM
easat-6931	137	20	2	2	NUM
easat-6931	137	21	6.125	6.125	NUM
easat-6931	137	22	16.554	16.554	NUM
easat-6931	137	23	50.288	50.288	NUM
easat-6931	137	24	6.125	6.125	NUM
easat-6931	137	25	16.554	16.554	NUM
easat-6931	137	26	50.288	50.288	NUM
easat-6931	137	27	5.074	5.074	NUM
easat-6931	137	28	13.713	13.713	NUM
easat-6931	137	29	40.754	40.754	NUM
easat-6931	137	30	3	3	NUM
easat-6931	137	31	3.754	3.754	NUM
easat-6931	137	32	10.146	10.146	NUM
easat-6931	137	33	60.435	60.435	NUM
easat-6931	137	34	3.754	3.754	NUM
easat-6931	137	35	10.146	10.146	NUM
easat-6931	137	36	60.435	60.435	NUM
easat-6931	137	37	4.242	4.242	NUM
easat-6931	137	38	11.466	11.466	NUM
easat-6931	137	39	52.221	52.221	NUM
easat-6931	137	40	4	4	NUM
easat-6931	137	41	3.401	3.401	NUM
easat-6931	137	42	9.193	9.193	NUM
easat-6931	137	43	69.627	69.627	NUM
easat-6931	137	44	3.401	3.401	NUM
easat-6931	137	45	9.193	9.193	NUM
easat-6931	137	46	69.627	69.627	NUM
easat-6931	137	47	3.742	3.742	NUM
easat-6931	137	48	10.114	10.114	NUM
easat-6931	137	49	62.335	62.335	NUM
easat-6931	137	50	5	5	NUM
easat-6931	137	51	1.933	1.933	NUM
easat-6931	137	52	5.226	5.226	NUM
easat-6931	137	53	74.853	74.853	NUM
easat-6931	137	54	1.933	1.933	NUM
easat-6931	137	55	5.226	5.226	NUM
easat-6931	137	56	74.853	74.853	NUM
easat-6931	137	57	3.678	3.678	NUM
easat-6931	137	58	9.942	9.942	NUM
easat-6931	137	59	72.276	72.276	NUM
easat-6931	137	60	6	6	NUM
easat-6931	137	61	1.336	1.336	NUM
easat-6931	137	62	3.612	3.612	NUM
easat-6931	137	63	78.465	78.465	NUM
easat-6931	137	64	1.336	1.336	NUM
easat-6931	137	65	3.612	3.612	NUM
easat-6931	137	66	78.465	78.465	NUM
easat-6931	137	67	2.290	2.290	NUM
easat-6931	137	68	6.189	6.189	NUM
easat-6931	137	69	78.465	78.465	NUM
easat-6931	137	70	7	7	NUM
easat-6931	137	71	.824	.824	NUM
easat-6931	137	72	2.226	2.226	NUM
easat-6931	137	73	80.691	80.691	NUM
easat-6931	137	74	…	…	PUNCT
easat-6931	137	75	.	.	PUNCT
easat-6931	138	1	37	37	NUM
easat-6931	138	2	0.015	0.015	NUM
easat-6931	138	3	0.041	0.041	NUM
easat-6931	138	4	100.000	100.000	NUM
easat-6931	138	5	extraction	extraction	NOUN
easat-6931	138	6	method	method	NOUN
easat-6931	138	7	:	:	PUNCT
easat-6931	138	8	principal	principal	ADJ
easat-6931	138	9	component	component	NOUN
easat-6931	138	10	analysis	analysis	NOUN
easat-6931	138	11	.	.	PUNCT
easat-6931	139	1	table	table	NOUN
easat-6931	139	2	4	4	NUM
easat-6931	139	3	.	.	X
easat-6931	140	1	correlations/	correlations/	NUM
easat-6931	140	2	model	model	NOUN
easat-6931	140	3	summarya/	summarya/	PROPN
easat-6931	140	4	anovab	anovab	PROPN
easat-6931	140	5	.	.	PUNCT
easat-6931	141	1	variable	variable	ADJ
easat-6931	141	2	mean	mean	PROPN
easat-6931	141	3	std0	std0	PROPN
easat-6931	141	4	.	.	PUNCT
easat-6931	142	1	deviation	deviation	NOUN
easat-6931	142	2	n	n	NUM
easat-6931	142	3	vcp	vcp	NOUN
easat-6931	142	4	vnn	vnn	NOUN
easat-6931	142	5	vkd	vkd	ADV
easat-6931	143	1	ht	ht	INTJ
easat-6931	143	2	tthbiii	tthbiii	NOUN
easat-6931	143	3	bdvbiii	bdvbiii	NOUN
easat-6931	143	4	vcp	vcp	PROPN
easat-6931	143	5	30.1597	30.1597	NUM
easat-6931	143	6	0.87661	0.87661	NUM
easat-6931	143	7	191	191	NUM
easat-6931	143	8	1	1	NUM
easat-6931	143	9	vnn	vnn	NOUN
easat-6931	143	10	20.4699	20.4699	NUM
easat-6931	143	11	0.89887	0.89887	NUM
easat-6931	143	12	191	191	NUM
easat-6931	143	13	0.409	0.409	NUM
easat-6931	143	14	*	*	PUNCT
easat-6931	143	15	*	*	PROPN
easat-6931	143	16	1	1	NUM
easat-6931	143	17	vkd	vkd	NOUN
easat-6931	143	18	30.5686	30.5686	NUM
easat-6931	143	19	0.64780	0.64780	NUM
easat-6931	143	20	191	191	NUM
easat-6931	143	21	0.311	0.311	NUM
easat-6931	143	22	*	*	PUNCT
easat-6931	143	23	*	*	PUNCT
easat-6931	143	24	00.096	00.096	NUM
easat-6931	143	25	1	1	NUM
easat-6931	143	26	ht	ht	PROPN
easat-6931	143	27	30.8521	30.8521	NUM
easat-6931	143	28	0.71883	0.71883	NUM
easat-6931	143	29	191	191	NUM
easat-6931	143	30	0.360	0.360	NUM
easat-6931	143	31	*	*	PUNCT
easat-6931	143	32	*	*	PUNCT
easat-6931	143	33	0.148	0.148	NUM
easat-6931	143	34	*	*	PUNCT
easat-6931	143	35	0.392	0.392	NUM
easat-6931	143	36	*	*	SYM
easat-6931	143	37	*	*	SYM
easat-6931	143	38	1	1	NUM
easat-6931	143	39	tthbiii	tthbiii	NOUN
easat-6931	143	40	30.2087	30.2087	NUM
easat-6931	143	41	0.83951	0.83951	NUM
easat-6931	143	42	191	191	NUM
easat-6931	143	43	-0.309	-0.309	NOUN
easat-6931	143	44	*	*	X
easat-6931	143	45	*	*	X
easat-6931	143	46	00.12	00.12	NUM
easat-6931	143	47	0.180	0.180	NUM
easat-6931	143	48	*	*	PUNCT
easat-6931	143	49	-00.012	-00.012	PROPN
easat-6931	143	50	1	1	NUM
easat-6931	143	51	bdvbiii	bdvbiii	NOUN
easat-6931	143	52	20.0042	20.0042	NUM
easat-6931	143	53	0.93403	0.93403	NUM
easat-6931	143	54	191	191	NUM
easat-6931	143	55	0.474	0.474	NUM
easat-6931	143	56	*	*	PUNCT
easat-6931	143	57	*	*	NOUN
easat-6931	143	58	-00.025	-00.025	ADJ
easat-6931	143	59	0.335	0.335	NUM
easat-6931	143	60	*	*	SYM
easat-6931	143	61	*	*	NOUN
easat-6931	143	62	0.400	0.400	NUM
easat-6931	143	63	*	*	PUNCT
easat-6931	143	64	*	*	PUNCT
easat-6931	144	1	-0.354	-0.354	NOUN
easat-6931	144	2	*	*	PUNCT
easat-6931	144	3	*	*	SYM
easat-6931	144	4	1	1	NUM
easat-6931	144	5	r	r	NOUN
easat-6931	144	6	square	square	NOUN
easat-6931	144	7	0.412a	0.412a	ADJ
easat-6931	144	8	adjusted	adjust	VERB
easat-6931	144	9	r	r	NOUN
easat-6931	144	10	square	square	NOUN
easat-6931	144	11	0.396a	0.396a	NOUN
easat-6931	144	12	f	f	X
easat-6931	144	13	/sig	/sig	PRON
easat-6931	144	14	.	.	PUNCT
easat-6931	145	1	25.926b/0.000b	25.926b/0.000b	NUM
easat-6931	145	2	note	note	NOUN
easat-6931	145	3	:	:	PUNCT
easat-6931	145	4	*	*	PUNCT
easat-6931	145	5	*	*	NOUN
easat-6931	145	6	.	.	PUNCT
easat-6931	146	1	correlation	correlation	NOUN
easat-6931	146	2	is	be	AUX
easat-6931	146	3	significant	significant	ADJ
easat-6931	146	4	at	at	ADP
easat-6931	146	5	the	the	DET
easat-6931	146	6	0.01	0.01	NUM
easat-6931	146	7	level	level	NOUN
easat-6931	146	8	(	(	PUNCT
easat-6931	146	9	2	2	NUM
easat-6931	146	10	-	-	PUNCT
easat-6931	146	11	tailed	tailed	ADJ
easat-6931	146	12	)	)	PUNCT
easat-6931	146	13	.	.	PUNCT
easat-6931	147	1	*	*	PUNCT
easat-6931	147	2	.	.	PUNCT
easat-6931	148	1	correlation	correlation	NOUN
easat-6931	148	2	is	be	AUX
easat-6931	148	3	significant	significant	ADJ
easat-6931	148	4	at	at	ADP
easat-6931	148	5	the	the	DET
easat-6931	148	6	0.05	0.05	NUM
easat-6931	148	7	level	level	NOUN
easat-6931	148	8	(	(	PUNCT
easat-6931	148	9	2	2	NUM
easat-6931	148	10	-	-	PUNCT
easat-6931	148	11	tailed	tailed	ADJ
easat-6931	148	12	)	)	PUNCT
easat-6931	148	13	.	.	PUNCT
easat-6931	149	1	a.	a.	PROPN
easat-6931	149	2	model	model	PROPN
easat-6931	149	3	summarya	summarya	PROPN
easat-6931	149	4	:	:	PUNCT
easat-6931	149	5	r	r	NOUN
easat-6931	149	6	square	square	NOUN
easat-6931	149	7	;	;	PUNCT
easat-6931	149	8	adjusted	adjust	VERB
easat-6931	149	9	r	r	PROPN
easat-6931	149	10	square	square	PROPN
easat-6931	149	11	b.	b.	PROPN
easat-6931	149	12	anovab	anovab	PROPN
easat-6931	149	13	:	:	PUNCT
easat-6931	150	1	f	f	X
easat-6931	150	2	/	/	SYM
easat-6931	150	3	sig	sig	PROPN
easat-6931	150	4	.	.	PUNCT
easat-6931	151	1	results	result	NOUN
easat-6931	151	2	of	of	ADP
easat-6931	151	3	multivariate	multivariate	NOUN
easat-6931	151	4	regression	regression	NOUN
easat-6931	151	5	analysis	analysis	NOUN
easat-6931	151	6	using	use	VERB
easat-6931	151	7	spss	spss	NOUN
easat-6931	151	8	:	:	PUNCT
easat-6931	151	9	according	accord	VERB
easat-6931	151	10	to	to	ADP
easat-6931	151	11	the	the	DET
easat-6931	151	12	analysis	analysis	NOUN
easat-6931	151	13	data	datum	NOUN
easat-6931	151	14	in	in	ADP
easat-6931	151	15	table	table	NOUN
easat-6931	151	16	4	4	NUM
easat-6931	151	17	,	,	PUNCT
easat-6931	151	18	the	the	DET
easat-6931	151	19	adjusted	adjust	VERB
easat-6931	151	20	r	r	NOUN
easat-6931	151	21	square	square	ADJ
easat-6931	151	22	coefficient	coefficient	NOUN
easat-6931	151	23	of	of	ADP
easat-6931	151	24	model	model	NOUN
easat-6931	151	25	(	(	PUNCT
easat-6931	151	26	1	1	NUM
easat-6931	151	27	)	)	PUNCT
easat-6931	151	28	=	=	NOUN
easat-6931	151	29	0.396	0.396	NUM
easat-6931	151	30	shows	show	VERB
easat-6931	151	31	that	that	SCONJ
easat-6931	151	32	independent	independent	ADJ
easat-6931	151	33	variables	variable	NOUN
easat-6931	151	34	are	be	AUX
easat-6931	151	35	components	component	NOUN
easat-6931	151	36	of	of	ADP
easat-6931	151	37	the	the	DET
easat-6931	151	38	capital	capital	NOUN
easat-6931	151	39	increase	increase	NOUN
easat-6931	151	40	solution	solution	NOUN
easat-6931	151	41	and	and	CCONJ
easat-6931	151	42	system	system	NOUN
easat-6931	151	43	-	-	PUNCT
easat-6931	151	44	wide	wide	ADJ
easat-6931	151	45	solution	solution	NOUN
easat-6931	151	46	(	(	PUNCT
easat-6931	151	47	vcp	vcp	NOUN
easat-6931	151	48	,	,	PUNCT
easat-6931	151	49	vnn	vnn	NOUN
easat-6931	151	50	,	,	PUNCT
easat-6931	151	51	vkd	vkd	ADJ
easat-6931	151	52	,	,	PUNCT
easat-6931	151	53	ht	ht	PROPN
easat-6931	151	54	,	,	PUNCT
easat-6931	151	55	tthbiii	tthbiii	PROPN
easat-6931	151	56	)	)	PUNCT
easat-6931	151	57	explains	explain	VERB
easat-6931	151	58	39.6	39.6	NUM
easat-6931	151	59	%	%	NOUN
easat-6931	151	60	of	of	ADP
easat-6931	151	61	the	the	DET
easat-6931	151	62	variation	variation	NOUN
easat-6931	151	63	in	in	ADP
easat-6931	151	64	the	the	DET
easat-6931	151	65	dependent	dependent	ADJ
easat-6931	151	66	variable	variable	NOUN
easat-6931	151	67	which	which	PRON
easat-6931	151	68	is	be	AUX
easat-6931	151	69	capital	capital	NOUN
easat-6931	151	70	buffer	buffer	NOUN
easat-6931	151	71	according	accord	VERB
easat-6931	151	72	to	to	ADP
easat-6931	151	73	basel	basel	PROPN
easat-6931	151	74	iii	iii	PROPN
easat-6931	151	75	(	(	PUNCT
easat-6931	151	76	bđvbiii	bđvbiii	PROPN
easat-6931	151	77	)	)	PUNCT
easat-6931	151	78	.	.	PUNCT
easat-6931	152	1	this	this	DET
easat-6931	152	2	coefficient	coefficient	NOUN
easat-6931	152	3	shows	show	VERB
easat-6931	152	4	that	that	SCONJ
easat-6931	152	5	the	the	DET
easat-6931	152	6	model	model	NOUN
easat-6931	152	7	's	's	PART
easat-6931	152	8	fit	fit	ADJ
easat-6931	152	9	level	level	NOUN
easat-6931	152	10	is	be	AUX
easat-6931	152	11	relatively	relatively	ADV
easat-6931	152	12	high	high	ADJ
easat-6931	152	13	because	because	SCONJ
easat-6931	152	14	normally	normally	ADV
easat-6931	152	15	in	in	ADP
easat-6931	152	16	the	the	DET
easat-6931	152	17	social	social	ADJ
easat-6931	152	18	science	science	NOUN
easat-6931	152	19	,	,	PUNCT
easat-6931	152	20	the	the	DET
easat-6931	152	21	adjusted	adjust	VERB
easat-6931	152	22	r	r	NOUN
easat-6931	152	23	square	square	ADJ
easat-6931	152	24	coefficient	coefficient	NOUN
easat-6931	152	25	=	=	NOUN
easat-6931	152	26	0.25	0.25	NUM
easat-6931	152	27	is	be	AUX
easat-6931	152	28	acceptable	acceptable	ADJ
easat-6931	152	29	.	.	PUNCT
easat-6931	153	1	besides	besides	SCONJ
easat-6931	153	2	,	,	PUNCT
easat-6931	153	3	the	the	DET
easat-6931	153	4	value	value	NOUN
easat-6931	153	5	sig	sig	NOUN
easat-6931	153	6	.	.	PUNCT
easat-6931	154	1	=	=	NOUN
easat-6931	154	2	0.000b	0.000b	NOUN
easat-6931	154	3	of	of	ADP
easat-6931	154	4	the	the	DET
easat-6931	154	5	model	model	NOUN
easat-6931	154	6	's	's	PART
easat-6931	154	7	f	f	PROPN
easat-6931	154	8	533	533	NUM
easat-6931	154	9	edelweiss	edelweiss	PROPN
easat-6931	154	10	applied	apply	VERB
easat-6931	154	11	science	science	NOUN
easat-6931	154	12	and	and	CCONJ
easat-6931	154	13	technology	technology	NOUN
easat-6931	154	14	issn	issn	PROPN
easat-6931	154	15	:	:	PUNCT
easat-6931	154	16	2576	2576	NUM
easat-6931	154	17	-	-	SYM
easat-6931	154	18	8484	8484	NUM
easat-6931	154	19	vol	vol	NOUN
easat-6931	154	20	.	.	PROPN
easat-6931	155	1	9	9	NUM
easat-6931	155	2	,	,	PUNCT
easat-6931	155	3	no	no	INTJ
easat-6931	155	4	.	.	NOUN
easat-6931	155	5	5	5	NUM
easat-6931	155	6	:	:	PUNCT
easat-6931	155	7	524	524	NUM
easat-6931	155	8	-	-	SYM
easat-6931	155	9	536	536	NUM
easat-6931	155	10	,	,	PUNCT
easat-6931	155	11	2025	2025	NUM
easat-6931	155	12	doi	doi	NOUN
easat-6931	155	13	:	:	PUNCT
easat-6931	155	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	155	15	©	©	PROPN
easat-6931	155	16	2025	2025	NUM
easat-6931	155	17	by	by	ADP
easat-6931	155	18	the	the	DET
easat-6931	155	19	authors	author	NOUN
easat-6931	155	20	;	;	PUNCT
easat-6931	155	21	licensee	licensee	PROPN
easat-6931	155	22	learning	learn	VERB
easat-6931	155	23	gate	gate	NOUN
easat-6931	155	24	value	value	NOUN
easat-6931	155	25	is	be	AUX
easat-6931	155	26	minor	minor	ADJ
easat-6931	155	27	.	.	PUNCT
easat-6931	156	1	this	this	PRON
easat-6931	156	2	shows	show	VERB
easat-6931	156	3	that	that	DET
easat-6931	156	4	model	model	NOUN
easat-6931	156	5	(	(	PUNCT
easat-6931	156	6	1	1	X
easat-6931	156	7	)	)	PUNCT
easat-6931	156	8	fits	fit	VERB
easat-6931	156	9	the	the	DET
easat-6931	156	10	data	datum	NOUN
easat-6931	156	11	set	set	VERB
easat-6931	156	12	and	and	CCONJ
easat-6931	156	13	can	can	AUX
easat-6931	156	14	be	be	AUX
easat-6931	156	15	generalized	generalize	VERB
easat-6931	156	16	to	to	ADP
easat-6931	156	17	the	the	DET
easat-6931	156	18	whole	whole	ADJ
easat-6931	156	19	population	population	NOUN
easat-6931	156	20	.	.	PUNCT
easat-6931	157	1	the	the	DET
easat-6931	157	2	analysis	analysis	NOUN
easat-6931	157	3	result	result	NOUN
easat-6931	157	4	in	in	ADP
easat-6931	157	5	table	table	NOUN
easat-6931	157	6	5	5	NUM
easat-6931	157	7	also	also	ADV
easat-6931	157	8	show	show	VERB
easat-6931	157	9	that	that	SCONJ
easat-6931	157	10	vif	vif	PROPN
easat-6931	157	11	coefficients	coefficient	VERB
easat-6931	157	12	fluctuating	fluctuate	VERB
easat-6931	157	13	in	in	ADP
easat-6931	157	14	the	the	DET
easat-6931	157	15	range	range	NOUN
easat-6931	157	16	of	of	ADP
easat-6931	157	17	1.277	1.277	NUM
easat-6931	157	18	~	~	PUNCT
easat-6931	157	19	1.790	1.790	NUM
easat-6931	157	20	are	be	AUX
easat-6931	157	21	all	all	ADV
easat-6931	157	22	less	less	ADJ
easat-6931	157	23	than	than	ADP
easat-6931	157	24	10	10	NUM
easat-6931	157	25	,	,	PUNCT
easat-6931	157	26	so	so	CCONJ
easat-6931	157	27	multicollinearity	multicollinearity	NOUN
easat-6931	157	28	does	do	AUX
easat-6931	157	29	not	not	PART
easat-6931	157	30	occur	occur	VERB
easat-6931	157	31	;	;	PUNCT
easat-6931	157	32	sig	sig	NOUN
easat-6931	157	33	value	value	NOUN
easat-6931	157	34	.	.	PUNCT
easat-6931	158	1	of	of	ADP
easat-6931	158	2	variables	variable	NOUN
easat-6931	158	3	shows	show	VERB
easat-6931	158	4	that	that	SCONJ
easat-6931	158	5	all	all	PRON
easat-6931	158	6	5	5	NUM
easat-6931	158	7	independent	independent	ADJ
easat-6931	158	8	variables	variable	NOUN
easat-6931	158	9	have	have	VERB
easat-6931	158	10	a	a	DET
easat-6931	158	11	statistically	statistically	ADV
easat-6931	158	12	significant	significant	ADJ
easat-6931	158	13	relationship	relationship	NOUN
easat-6931	158	14	with	with	ADP
easat-6931	158	15	the	the	DET
easat-6931	158	16	dependent	dependent	ADJ
easat-6931	158	17	variable	variable	NOUN
easat-6931	158	18	(	(	PUNCT
easat-6931	158	19	all	all	PRON
easat-6931	158	20	5	5	NUM
easat-6931	158	21	variables	variable	NOUN
easat-6931	158	22	vcp	vcp	NOUN
easat-6931	158	23	,	,	PUNCT
easat-6931	158	24	vnn	vnn	NOUN
easat-6931	158	25	,	,	PUNCT
easat-6931	158	26	vkd	vkd	ADJ
easat-6931	158	27	,	,	PUNCT
easat-6931	158	28	ht	ht	INTJ
easat-6931	158	29	,	,	PUNCT
easat-6931	158	30	tthbiii	tthbiii	NOUN
easat-6931	158	31	have	have	VERB
easat-6931	158	32	sig	sig	NOUN
easat-6931	158	33	.	.	PUNCT
easat-6931	159	1	≤	≤	NUM
easat-6931	159	2	0.05	0.05	NUM
easat-6931	159	3	)	)	PUNCT
easat-6931	159	4	.	.	PUNCT
easat-6931	160	1	therefore	therefore	ADV
easat-6931	160	2	,	,	PUNCT
easat-6931	160	3	the	the	DET
easat-6931	160	4	regression	regression	NOUN
easat-6931	160	5	equation	equation	NOUN
easat-6931	160	6	of	of	ADP
easat-6931	160	7	model	model	NOUN
easat-6931	160	8	(	(	PUNCT
easat-6931	160	9	1	1	X
easat-6931	160	10	)	)	PUNCT
easat-6931	160	11	is	be	AUX
easat-6931	160	12	obtained	obtain	VERB
easat-6931	160	13	as	as	ADP
easat-6931	160	14	follows	follow	VERB
easat-6931	160	15	:	:	PUNCT
easat-6931	160	16	bđvbiii	bđvbiii	VERB
easat-6931	160	17	=	=	PUNCT
easat-6931	160	18	0	0	PUNCT
easat-6931	161	1	+	+	CCONJ
easat-6931	161	2	0.313.vcp	0.313.vcp	NUM
easat-6931	161	3	–	–	PUNCT
easat-6931	161	4	0.175.vnn	0.175.vnn	PUNCT
easat-6931	162	1	+	+	CCONJ
easat-6931	162	2	0.215.vkd	0.215.vkd	NUM
easat-6931	162	3	+	+	CCONJ
easat-6931	162	4	0.226.ht	0.226.ht	PROPN
easat-6931	162	5	–	–	PUNCT
easat-6931	162	6	0.273	0.273	NUM
easat-6931	162	7	tthbiii	tthbiii	NOUN
easat-6931	162	8	(	(	PUNCT
easat-6931	162	9	1kqspss	1kqspss	NUM
easat-6931	162	10	)	)	PUNCT
easat-6931	162	11	table	table	NOUN
easat-6931	162	12	5	5	NUM
easat-6931	162	13	.	.	PUNCT
easat-6931	163	1	coefficientsa	coefficientsa	PROPN
easat-6931	163	2	.	.	PUNCT
easat-6931	164	1	model	model	PROPN
easat-6931	164	2	unstandardized	unstandardized	ADJ
easat-6931	164	3	coefficients	coefficient	NOUN
easat-6931	164	4	standardized	standardize	VERB
easat-6931	164	5	coefficients	coefficient	NOUN
easat-6931	164	6	t	t	PROPN
easat-6931	164	7	sig	sig	PROPN
easat-6931	164	8	.	.	PUNCT
easat-6931	165	1	collinearity	collinearity	PROPN
easat-6931	165	2	statistics	statistic	NOUN
easat-6931	165	3	b	b	PROPN
easat-6931	165	4	std0	std0	PROPN
easat-6931	165	5	.	.	PUNCT
easat-6931	166	1	error	error	NOUN
easat-6931	166	2	beta	beta	NOUN
easat-6931	166	3	tolerance	tolerance	NOUN
easat-6931	166	4	vif	vif	NOUN
easat-6931	166	5	1	1	NUM
easat-6931	166	6	(	(	PUNCT
easat-6931	166	7	constant	constant	ADJ
easat-6931	166	8	)	)	PUNCT
easat-6931	166	9	0.133	0.133	NUM
easat-6931	166	10	0.408	0.408	NUM
easat-6931	166	11	0.325	0.325	NUM
easat-6931	166	12	0.745	0.745	NUM
easat-6931	166	13	vcp	vcp	NOUN
easat-6931	166	14	0.334	0.334	NUM
easat-6931	166	15	0.080	0.080	NUM
easat-6931	166	16	0.313	0.313	NUM
easat-6931	166	17	40.153	40.153	NUM
easat-6931	166	18	0.000	0.000	NUM
easat-6931	166	19	0.559	0.559	NUM
easat-6931	166	20	10.790	10.790	NUM
easat-6931	166	21	vnn	vnn	NOUN
easat-6931	166	22	-0.181	-0.181	NUM
easat-6931	166	23	0.068	0.068	NUM
easat-6931	166	24	-0.175	-0.175	X
easat-6931	166	25	-20.685	-20.685	PROPN
easat-6931	166	26	0.008	0.008	NUM
easat-6931	166	27	0.752	0.752	NUM
easat-6931	166	28	10.329	10.329	NUM
easat-6931	166	29	vkd	vkd	ADV
easat-6931	166	30	0.311	0.311	NUM
easat-6931	166	31	0.095	0.095	NUM
easat-6931	166	32	0.215	0.215	NUM
easat-6931	166	33	30.274	30.274	NUM
easat-6931	166	34	0.001	0.001	NUM
easat-6931	166	35	0.734	0.734	NUM
easat-6931	166	36	10.362	10.362	NUM
easat-6931	166	37	ht	ht	PROPN
easat-6931	166	38	0.293	0.293	NUM
easat-6931	166	39	0.083	0.083	NUM
easat-6931	166	40	0.226	0.226	NUM
easat-6931	166	41	30.541	30.541	NUM
easat-6931	166	42	0.001	0.001	NUM
easat-6931	166	43	0.783	0.783	NUM
easat-6931	166	44	10.277	10.277	NUM
easat-6931	166	45	tthbiii	tthbiii	NOUN
easat-6931	166	46	-0.303	-0.303	ADP
easat-6931	166	47	0.073	0.073	NUM
easat-6931	166	48	-0.273	-0.273	PUNCT
easat-6931	166	49	-40.163	-40.163	NUM
easat-6931	166	50	0.000	0.000	NUM
easat-6931	166	51	0.742	0.742	NUM
easat-6931	166	52	10.348	10.348	NUM
easat-6931	166	53	note	note	NOUN
easat-6931	166	54	:	:	PUNCT
easat-6931	166	55	a.	a.	NOUN
easat-6931	166	56	dependent	dependent	ADJ
easat-6931	166	57	variable	variable	NOUN
easat-6931	166	58	:	:	PUNCT
easat-6931	166	59	bdvbiii	bdvbiii	NOUN
easat-6931	166	60	;	;	PUNCT
easat-6931	166	61	all	all	PRON
easat-6931	166	62	requested	request	VERB
easat-6931	166	63	variables	variable	NOUN
easat-6931	166	64	entered	enter	VERB
easat-6931	166	65	:	:	PUNCT
easat-6931	166	66	tthbiii	tthbiii	PROPN
easat-6931	166	67	,	,	PUNCT
easat-6931	166	68	ht	ht	PROPN
easat-6931	166	69	,	,	PUNCT
easat-6931	166	70	vnn	vnn	PROPN
easat-6931	166	71	,	,	PUNCT
easat-6931	166	72	vkd	vkd	NOUN
easat-6931	166	73	,	,	PUNCT
easat-6931	166	74	vcp	vcp	NOUN
easat-6931	166	75	.	.	PUNCT
easat-6931	167	1	534	534	NUM
easat-6931	167	2	edelweiss	edelweiss	PROPN
easat-6931	167	3	applied	apply	VERB
easat-6931	167	4	science	science	NOUN
easat-6931	167	5	and	and	CCONJ
easat-6931	167	6	technology	technology	NOUN
easat-6931	167	7	issn	issn	PROPN
easat-6931	167	8	:	:	PUNCT
easat-6931	167	9	2576	2576	NUM
easat-6931	167	10	-	-	SYM
easat-6931	167	11	8484	8484	NUM
easat-6931	167	12	vol	vol	NOUN
easat-6931	167	13	.	.	PROPN
easat-6931	168	1	9	9	NUM
easat-6931	168	2	,	,	PUNCT
easat-6931	168	3	no	no	INTJ
easat-6931	168	4	.	.	NOUN
easat-6931	168	5	5	5	NUM
easat-6931	168	6	:	:	PUNCT
easat-6931	168	7	524	524	NUM
easat-6931	168	8	-	-	SYM
easat-6931	168	9	536	536	NUM
easat-6931	168	10	,	,	PUNCT
easat-6931	168	11	2025	2025	NUM
easat-6931	168	12	doi	doi	NOUN
easat-6931	168	13	:	:	PUNCT
easat-6931	168	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	168	15	©	©	PROPN
easat-6931	168	16	2025	2025	NUM
easat-6931	168	17	by	by	ADP
easat-6931	168	18	the	the	DET
easat-6931	168	19	authors	author	NOUN
easat-6931	168	20	;	;	PUNCT
easat-6931	168	21	licensee	licensee	PROPN
easat-6931	168	22	learning	learn	VERB
easat-6931	168	23	gate	gate	PROPN
easat-6931	168	24	figure	figure	NOUN
easat-6931	168	25	3	3	NUM
easat-6931	168	26	.	.	PUNCT
easat-6931	168	27	histogram	histogram	NOUN
easat-6931	168	28	,	,	PUNCT
easat-6931	168	29	p	p	NOUN
easat-6931	168	30	-	-	PUNCT
easat-6931	168	31	p	p	NOUN
easat-6931	168	32	plot	plot	NOUN
easat-6931	168	33	,	,	PUNCT
easat-6931	168	34	scatter	scatter	NOUN
easat-6931	168	35	plot	plot	NOUN
easat-6931	168	36	of	of	ADP
easat-6931	168	37	the	the	DET
easat-6931	168	38	model	model	NOUN
easat-6931	168	39	.	.	PUNCT
easat-6931	169	1	results	result	NOUN
easat-6931	169	2	of	of	ADP
easat-6931	169	3	the	the	DET
easat-6931	169	4	sign	sign	NOUN
easat-6931	169	5	analysis	analysis	NOUN
easat-6931	169	6	in	in	ADP
easat-6931	169	7	the1kqspss	the1kqspss	PROPN
easat-6931	169	8	equation	equation	NOUN
easat-6931	169	9	show	show	VERB
easat-6931	169	10	that	that	SCONJ
easat-6931	169	11	:	:	PUNCT
easat-6931	169	12	(	(	PUNCT
easat-6931	169	13	i	i	NOUN
easat-6931	169	14	)	)	PUNCT
easat-6931	169	15	hypotheses	hypothese	VERB
easat-6931	169	16	h1	h1	PROPN
easat-6931	169	17	,	,	PUNCT
easat-6931	169	18	h3	h3	NOUN
easat-6931	169	19	,	,	PUNCT
easat-6931	169	20	h4	h4	NOUN
easat-6931	169	21	,	,	PUNCT
easat-6931	169	22	h5	h5	PROPN
easat-6931	169	23	are	be	AUX
easat-6931	169	24	supported	support	VERB
easat-6931	169	25	.	.	PUNCT
easat-6931	170	1	in	in	ADP
easat-6931	170	2	details	detail	NOUN
easat-6931	170	3	,	,	PUNCT
easat-6931	170	4	there	there	PRON
easat-6931	170	5	is	be	VERB
easat-6931	170	6	a	a	DET
easat-6931	170	7	statistically	statistically	ADV
easat-6931	170	8	significant	significant	ADJ
easat-6931	170	9	positive	positive	ADJ
easat-6931	170	10	relationship	relationship	NOUN
easat-6931	170	11	between	between	ADP
easat-6931	170	12	variables	variable	NOUN
easat-6931	170	13	vcp	vcp	PROPN
easat-6931	170	14	,	,	PUNCT
easat-6931	170	15	vkd	vkd	ADV
easat-6931	170	16	,	,	PUNCT
easat-6931	170	17	ht	ht	PROPN
easat-6931	170	18	and	and	CCONJ
easat-6931	170	19	the	the	DET
easat-6931	170	20	dependent	dependent	ADJ
easat-6931	170	21	variable	variable	NOUN
easat-6931	170	22	bđvbiii	bđvbiii	VERB
easat-6931	170	23	;	;	PUNCT
easat-6931	170	24	and	and	CCONJ
easat-6931	170	25	there	there	PRON
easat-6931	170	26	is	be	VERB
easat-6931	170	27	a	a	DET
easat-6931	170	28	statistically	statistically	ADV
easat-6931	170	29	significant	significant	ADJ
easat-6931	170	30	negative	negative	ADJ
easat-6931	170	31	relationship	relationship	NOUN
easat-6931	170	32	between	between	ADP
easat-6931	170	33	variables	variable	NOUN
easat-6931	170	34	tth	tth	PROPN
easat-6931	170	35	biii	biii	NOUN
easat-6931	170	36	and	and	CCONJ
easat-6931	170	37	bđvbiii	bđvbiii	VERB
easat-6931	170	38	.	.	PUNCT
easat-6931	171	1	the	the	DET
easat-6931	171	2	regression	regression	NOUN
easat-6931	171	3	coefficient	coefficient	NOUN
easat-6931	171	4	shows	show	VERB
easat-6931	171	5	that	that	SCONJ
easat-6931	171	6	when	when	SCONJ
easat-6931	171	7	the	the	DET
easat-6931	171	8	variable	variable	ADJ
easat-6931	171	9	vcp	vcp	NOUN
easat-6931	171	10	increases	increase	VERB
easat-6931	171	11	by	by	ADP
easat-6931	171	12	1	1	NUM
easat-6931	171	13	unit	unit	NOUN
easat-6931	171	14	,	,	PUNCT
easat-6931	171	15	keeping	keep	VERB
easat-6931	171	16	other	other	ADJ
easat-6931	171	17	independent	independent	ADJ
easat-6931	171	18	variables	variable	NOUN
easat-6931	171	19	unchanged	unchanged	ADJ
easat-6931	171	20	,	,	PUNCT
easat-6931	171	21	the	the	DET
easat-6931	171	22	average	average	ADJ
easat-6931	171	23	value	value	NOUN
easat-6931	171	24	of	of	ADP
easat-6931	171	25	the	the	DET
easat-6931	171	26	dependent	dependent	ADJ
easat-6931	171	27	variable	variable	NOUN
easat-6931	171	28	bđvbiii	bđvbiii	VERB
easat-6931	171	29	increases	increase	NOUN
easat-6931	171	30	by	by	ADP
easat-6931	171	31	0.313	0.313	NUM
easat-6931	171	32	times	time	NOUN
easat-6931	171	33	;	;	PUNCT
easat-6931	171	34	variables	variable	NOUN
easat-6931	171	35	vkd	vkd	ADV
easat-6931	171	36	and	and	CCONJ
easat-6931	171	37	ht	ht	PROPN
easat-6931	171	38	also	also	ADV
easat-6931	171	39	affect	affect	VERB
easat-6931	171	40	bđvbiii	bđvbiii	NOUN
easat-6931	171	41	at	at	ADP
easat-6931	171	42	the	the	DET
easat-6931	171	43	corresponding	corresponding	ADJ
easat-6931	171	44	levels	level	NOUN
easat-6931	171	45	of	of	ADP
easat-6931	171	46	quantity	quantity	NOUN
easat-6931	171	47	and	and	CCONJ
easat-6931	171	48	sign	sign	NOUN
easat-6931	171	49	in	in	ADP
easat-6931	171	50	the	the	DET
easat-6931	171	51	1kqspss	1kqspss	NUM
easat-6931	171	52	model	model	NOUN
easat-6931	171	53	;	;	PUNCT
easat-6931	171	54	(	(	PUNCT
easat-6931	171	55	ii	ii	NOUN
easat-6931	171	56	)	)	PUNCT
easat-6931	171	57	hypothesis	hypothesis	NOUN
easat-6931	171	58	h2	h2	NOUN
easat-6931	171	59	is	be	AUX
easat-6931	171	60	not	not	PART
easat-6931	171	61	supported	support	VERB
easat-6931	171	62	;	;	PUNCT
easat-6931	171	63	specifically	specifically	ADV
easat-6931	171	64	:	:	PUNCT
easat-6931	171	65	the	the	DET
easat-6931	171	66	statistically	statistically	ADV
easat-6931	171	67	significant	significant	ADJ
easat-6931	171	68	negative	negative	ADJ
easat-6931	171	69	relationship	relationship	NOUN
easat-6931	171	70	between	between	ADP
easat-6931	171	71	variables	variable	NOUN
easat-6931	171	72	vnn	vnn	PROPN
easat-6931	171	73	and	and	CCONJ
easat-6931	171	74	bđvbiii	bđvbiii	VERB
easat-6931	171	75	at	at	ADP
easat-6931	171	76	the	the	DET
easat-6931	171	77	time	time	NOUN
easat-6931	171	78	of	of	ADP
easat-6931	171	79	the	the	DET
easat-6931	171	80	survey	survey	NOUN
easat-6931	171	81	seems	seem	VERB
easat-6931	171	82	to	to	PART
easat-6931	171	83	stem	stem	VERB
easat-6931	171	84	from	from	ADP
easat-6931	171	85	tight	tight	ADJ
easat-6931	171	86	budget	budget	NOUN
easat-6931	171	87	conditions	condition	NOUN
easat-6931	171	88	;	;	PUNCT
easat-6931	171	89	the	the	DET
easat-6931	171	90	roadmap	roadmap	NOUN
easat-6931	171	91	for	for	ADP
easat-6931	171	92	increasing	increase	VERB
easat-6931	171	93	state	state	NOUN
easat-6931	171	94	capital	capital	NOUN
easat-6931	171	95	by	by	ADP
easat-6931	171	96	terms	term	NOUN
easat-6931	171	97	and	and	CCONJ
easat-6931	171	98	annual	annual	ADJ
easat-6931	171	99	limits	limit	NOUN
easat-6931	171	100	over	over	ADP
easat-6931	171	101	a	a	DET
easat-6931	171	102	long	long	ADJ
easat-6931	171	103	period	period	NOUN
easat-6931	171	104	of	of	ADP
easat-6931	171	105	time	time	NOUN
easat-6931	171	106	is	be	AUX
easat-6931	171	107	difficult	difficult	ADJ
easat-6931	171	108	to	to	PART
easat-6931	171	109	achieve	achieve	VERB
easat-6931	171	110	immediately	immediately	ADV
easat-6931	171	111	;	;	PUNCT
easat-6931	171	112	some	some	DET
easat-6931	171	113	stateowned	stateowne	VERB
easat-6931	171	114	commercial	commercial	ADJ
easat-6931	171	115	banks	bank	NOUN
easat-6931	171	116	are	be	AUX
easat-6931	171	117	slow	slow	ADJ
easat-6931	171	118	to	to	PART
easat-6931	171	119	equitize	equitize	VERB
easat-6931	171	120	.	.	PUNCT
easat-6931	172	1	535	535	NUM
easat-6931	172	2	edelweiss	edelweiss	PROPN
easat-6931	172	3	applied	apply	VERB
easat-6931	172	4	science	science	NOUN
easat-6931	172	5	and	and	CCONJ
easat-6931	172	6	technology	technology	NOUN
easat-6931	172	7	issn	issn	PROPN
easat-6931	172	8	:	:	PUNCT
easat-6931	172	9	2576	2576	NUM
easat-6931	172	10	-	-	SYM
easat-6931	172	11	8484	8484	NUM
easat-6931	172	12	vol	vol	NOUN
easat-6931	172	13	.	.	PROPN
easat-6931	173	1	9	9	NUM
easat-6931	173	2	,	,	PUNCT
easat-6931	173	3	no	no	INTJ
easat-6931	173	4	.	.	NOUN
easat-6931	173	5	5	5	NUM
easat-6931	173	6	:	:	PUNCT
easat-6931	173	7	524	524	NUM
easat-6931	173	8	-	-	SYM
easat-6931	173	9	536	536	NUM
easat-6931	173	10	,	,	PUNCT
easat-6931	173	11	2025	2025	NUM
easat-6931	173	12	doi	doi	NOUN
easat-6931	173	13	:	:	PUNCT
easat-6931	173	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	173	15	©	©	PROPN
easat-6931	173	16	2025	2025	NUM
easat-6931	173	17	by	by	ADP
easat-6931	173	18	the	the	DET
easat-6931	173	19	authors	author	NOUN
easat-6931	173	20	;	;	PUNCT
easat-6931	173	21	licensee	licensee	PROPN
easat-6931	173	22	learning	learning	NOUN
easat-6931	173	23	gate	gate	NOUN
easat-6931	173	24	6	6	NUM
easat-6931	173	25	.	.	PUNCT
easat-6931	174	1	conclusion	conclusion	NOUN
easat-6931	174	2	and	and	CCONJ
easat-6931	174	3	recommendations	recommendation	NOUN
easat-6931	174	4	the	the	DET
easat-6931	174	5	objective	objective	NOUN
easat-6931	174	6	of	of	ADP
easat-6931	174	7	the	the	DET
easat-6931	174	8	study	study	NOUN
easat-6931	174	9	is	be	AUX
easat-6931	174	10	to	to	PART
easat-6931	174	11	investigate	investigate	VERB
easat-6931	174	12	,	,	PUNCT
easat-6931	174	13	survey	survey	NOUN
easat-6931	174	14	and	and	CCONJ
easat-6931	174	15	quantitatively	quantitatively	ADV
easat-6931	174	16	analyze	analyze	VERB
easat-6931	174	17	the	the	DET
easat-6931	174	18	relationship	relationship	NOUN
easat-6931	174	19	between	between	ADP
easat-6931	174	20	the	the	DET
easat-6931	174	21	level	level	NOUN
easat-6931	174	22	of	of	ADP
easat-6931	174	23	implementation	implementation	NOUN
easat-6931	174	24	of	of	ADP
easat-6931	174	25	basel	basel	PROPN
easat-6931	174	26	iii	iii	PROPN
easat-6931	174	27	capital	capital	NOUN
easat-6931	174	28	buffer	buffer	NOUN
easat-6931	174	29	and	and	CCONJ
easat-6931	174	30	some	some	DET
easat-6931	174	31	solutions	solution	NOUN
easat-6931	174	32	.	.	PUNCT
easat-6931	175	1	the	the	DET
easat-6931	175	2	results	result	NOUN
easat-6931	175	3	of	of	ADP
easat-6931	175	4	the	the	DET
easat-6931	175	5	study	study	NOUN
easat-6931	175	6	are	be	AUX
easat-6931	175	7	as	as	SCONJ
easat-6931	175	8	follows	follow	VERB
easat-6931	175	9	:	:	PUNCT
easat-6931	175	10	firstly	firstly	ADV
easat-6931	175	11	,	,	PUNCT
easat-6931	175	12	this	this	DET
easat-6931	175	13	quantitative	quantitative	ADJ
easat-6931	175	14	research	research	NOUN
easat-6931	175	15	has	have	AUX
easat-6931	175	16	built	build	VERB
easat-6931	175	17	a	a	DET
easat-6931	175	18	survey	survey	NOUN
easat-6931	175	19	questionnaire	questionnaire	NOUN
easat-6931	175	20	and	and	CCONJ
easat-6931	175	21	multivariate	multivariate	NOUN
easat-6931	175	22	regression	regression	NOUN
easat-6931	175	23	model	model	NOUN
easat-6931	175	24	1kqspss	1kqspss	NUM
easat-6931	175	25	on	on	ADP
easat-6931	175	26	the	the	DET
easat-6931	175	27	relation	relation	NOUN
easat-6931	175	28	between	between	ADP
easat-6931	175	29	“	"	PUNCT
easat-6931	175	30	the	the	DET
easat-6931	175	31	level	level	NOUN
easat-6931	175	32	of	of	ADP
easat-6931	175	33	implementation	implementation	NOUN
easat-6931	175	34	of	of	ADP
easat-6931	175	35	basel	basel	PROPN
easat-6931	175	36	iii	iii	PROPN
easat-6931	175	37	capital	capital	NOUN
easat-6931	175	38	buffers	buffer	NOUN
easat-6931	175	39	and	and	CCONJ
easat-6931	175	40	a	a	DET
easat-6931	175	41	number	number	NOUN
easat-6931	175	42	of	of	ADP
easat-6931	175	43	main	main	ADJ
easat-6931	175	44	implementation	implementation	NOUN
easat-6931	175	45	solutions	solution	NOUN
easat-6931	175	46	”	"	PUNCT
easat-6931	175	47	,	,	PUNCT
easat-6931	175	48	in	in	ADP
easat-6931	175	49	which	which	PRON
easat-6931	175	50	:	:	PUNCT
easat-6931	175	51	(	(	PUNCT
easat-6931	175	52	i	i	NOUN
easat-6931	175	53	)	)	PUNCT
easat-6931	175	54	the	the	DET
easat-6931	175	55	level	level	NOUN
easat-6931	175	56	of	of	ADP
easat-6931	175	57	implementation	implementation	NOUN
easat-6931	175	58	of	of	ADP
easat-6931	175	59	the	the	DET
easat-6931	175	60	basel	basel	PROPN
easat-6931	175	61	iii	iii	PROPN
easat-6931	175	62	capital	capital	NOUN
easat-6931	175	63	buffer	buffer	NOUN
easat-6931	175	64	(	(	PUNCT
easat-6931	175	65	bđvbiii	bđvbiii	X
easat-6931	175	66	)	)	PUNCT
easat-6931	175	67	is	be	AUX
easat-6931	175	68	reflected	reflect	VERB
easat-6931	175	69	through	through	ADP
easat-6931	175	70	the	the	DET
easat-6931	175	71	level	level	NOUN
easat-6931	175	72	of	of	ADP
easat-6931	175	73	implementation	implementation	NOUN
easat-6931	175	74	of	of	ADP
easat-6931	175	75	the	the	DET
easat-6931	175	76	capital	capital	NOUN
easat-6931	175	77	conservation	conservation	NOUN
easat-6931	175	78	buffer	buffer	NOUN
easat-6931	175	79	(	(	PUNCT
easat-6931	175	80	ccob	ccob	NOUN
easat-6931	175	81	)	)	PUNCT
easat-6931	175	82	,	,	PUNCT
easat-6931	175	83	countercyclical	countercyclical	ADJ
easat-6931	175	84	capital	capital	NOUN
easat-6931	175	85	buffer	buffer	NOUN
easat-6931	175	86	(	(	PUNCT
easat-6931	175	87	ccyb	ccyb	NOUN
easat-6931	175	88	)	)	PUNCT
easat-6931	175	89	,	,	PUNCT
easat-6931	175	90	capital	capital	NOUN
easat-6931	175	91	buffer	buffer	NOUN
easat-6931	175	92	of	of	ADP
easat-6931	175	93	gsib	gsib	NOUN
easat-6931	175	94	and	and	CCONJ
easat-6931	175	95	dsib	dsib	PROPN
easat-6931	175	96	;	;	PUNCT
easat-6931	175	97	(	(	PUNCT
easat-6931	175	98	ii	ii	NOUN
easat-6931	175	99	)	)	PUNCT
easat-6931	175	100	solutions	solution	NOUN
easat-6931	175	101	targeted	target	VERB
easat-6931	175	102	at	at	ADP
easat-6931	175	103	basel	basel	PROPN
easat-6931	175	104	iii	iii	PROPN
easat-6931	175	105	capital	capital	NOUN
easat-6931	175	106	buffer	buffer	NOUN
easat-6931	175	107	focus	focus	NOUN
easat-6931	175	108	on	on	ADP
easat-6931	175	109	five	five	NUM
easat-6931	175	110	main	main	ADJ
easat-6931	175	111	groups	group	NOUN
easat-6931	175	112	:	:	PUNCT
easat-6931	175	113	group	group	NOUN
easat-6931	175	114	of	of	ADP
easat-6931	175	115	solutions	solution	NOUN
easat-6931	175	116	to	to	PART
easat-6931	175	117	increase	increase	VERB
easat-6931	175	118	capital	capital	NOUN
easat-6931	175	119	related	relate	VERB
easat-6931	175	120	to	to	ADP
easat-6931	175	121	securities	security	NOUN
easat-6931	175	122	(	(	PUNCT
easat-6931	175	123	vcp	vcp	PROPN
easat-6931	175	124	)	)	PUNCT
easat-6931	175	125	;	;	PUNCT
easat-6931	175	126	group	group	NOUN
easat-6931	175	127	of	of	ADP
easat-6931	175	128	increase	increase	NOUN
easat-6931	175	129	of	of	ADP
easat-6931	175	130	state	state	NOUN
easat-6931	175	131	budget	budget	NOUN
easat-6931	175	132	capital	capital	NOUN
easat-6931	175	133	(	(	PUNCT
easat-6931	175	134	vnn	vnn	PROPN
easat-6931	175	135	)	)	PUNCT
easat-6931	175	136	;	;	PUNCT
easat-6931	175	137	group	group	NOUN
easat-6931	175	138	of	of	ADP
easat-6931	175	139	increase	increase	NOUN
easat-6931	175	140	of	of	ADP
easat-6931	175	141	capital	capital	NOUN
easat-6931	175	142	related	relate	VERB
easat-6931	175	143	to	to	ADP
easat-6931	175	144	banking	banking	NOUN
easat-6931	175	145	business	business	NOUN
easat-6931	175	146	activities	activity	NOUN
easat-6931	175	147	(	(	PUNCT
easat-6931	175	148	vkd	vkd	ADJ
easat-6931	175	149	)	)	PUNCT
easat-6931	175	150	;	;	PUNCT
easat-6931	175	151	group	group	NOUN
easat-6931	175	152	of	of	ADP
easat-6931	175	153	system	system	NOUN
easat-6931	175	154	solutions	solution	NOUN
easat-6931	175	155	to	to	PART
easat-6931	175	156	manage	manage	VERB
easat-6931	175	157	and	and	CCONJ
easat-6931	175	158	create	create	VERB
easat-6931	175	159	infrastructure	infrastructure	NOUN
easat-6931	175	160	for	for	SCONJ
easat-6931	175	161	banks	bank	NOUN
easat-6931	175	162	to	to	PART
easat-6931	175	163	implement	implement	VERB
easat-6931	175	164	the	the	DET
easat-6931	175	165	basel	basel	PROPN
easat-6931	175	166	iii	iii	PROPN
easat-6931	175	167	capital	capital	NOUN
easat-6931	175	168	buffer	buffer	NOUN
easat-6931	175	169	(	(	PUNCT
easat-6931	175	170	ht	ht	NOUN
easat-6931	175	171	)	)	PUNCT
easat-6931	175	172	;	;	PUNCT
easat-6931	175	173	and	and	CCONJ
easat-6931	175	174	group	group	NOUN
easat-6931	175	175	to	to	PART
easat-6931	175	176	solve	solve	VERB
easat-6931	175	177	difficulties	difficulty	NOUN
easat-6931	175	178	and	and	CCONJ
easat-6931	175	179	challenges	challenge	NOUN
easat-6931	175	180	in	in	ADP
easat-6931	175	181	implementing	implement	VERB
easat-6931	175	182	the	the	DET
easat-6931	175	183	basel	basel	PROPN
easat-6931	175	184	iii	iii	PROPN
easat-6931	175	185	capital	capital	NOUN
easat-6931	175	186	buffer	buffer	NOUN
easat-6931	175	187	at	at	ADP
easat-6931	175	188	banks	bank	NOUN
easat-6931	175	189	(	(	PUNCT
easat-6931	175	190	tthbiii	tthbiii	PROPN
easat-6931	175	191	)	)	PUNCT
easat-6931	175	192	.	.	PUNCT
easat-6931	176	1	the	the	DET
easat-6931	176	2	results	result	NOUN
easat-6931	176	3	of	of	ADP
easat-6931	176	4	testing	testing	NOUN
easat-6931	176	5	using	use	VERB
easat-6931	176	6	spss	spss	PROPN
easat-6931	176	7	software	software	NOUN
easat-6931	176	8	show	show	VERB
easat-6931	176	9	that	that	SCONJ
easat-6931	176	10	the	the	DET
easat-6931	176	11	model	model	NOUN
easat-6931	176	12	1kqspss	1kqspss	NUM
easat-6931	176	13	,	,	PUNCT
easat-6931	176	14	although	although	SCONJ
easat-6931	176	15	still	still	ADV
easat-6931	176	16	in	in	ADP
easat-6931	176	17	its	its	PRON
easat-6931	176	18	infancy	infancy	NOUN
easat-6931	176	19	,	,	PUNCT
easat-6931	176	20	has	have	VERB
easat-6931	176	21	statistical	statistical	ADJ
easat-6931	176	22	significance	significance	NOUN
easat-6931	176	23	,	,	PUNCT
easat-6931	176	24	which	which	PRON
easat-6931	176	25	can	can	AUX
easat-6931	176	26	be	be	AUX
easat-6931	176	27	a	a	DET
easat-6931	176	28	reference	reference	NOUN
easat-6931	176	29	methodology	methodology	NOUN
easat-6931	176	30	for	for	ADP
easat-6931	176	31	banking	banking	NOUN
easat-6931	176	32	authorities	authority	NOUN
easat-6931	176	33	to	to	PART
easat-6931	176	34	build	build	VERB
easat-6931	176	35	models	model	NOUN
easat-6931	176	36	to	to	PART
easat-6931	176	37	assess	assess	VERB
easat-6931	176	38	the	the	DET
easat-6931	176	39	level	level	NOUN
easat-6931	176	40	of	of	ADP
easat-6931	176	41	impact	impact	NOUN
easat-6931	176	42	and	and	CCONJ
easat-6931	176	43	effectiveness	effectiveness	NOUN
easat-6931	176	44	of	of	ADP
easat-6931	176	45	solutions	solution	NOUN
easat-6931	176	46	to	to	PART
easat-6931	176	47	:	:	PUNCT
easat-6931	176	48	(	(	PUNCT
easat-6931	176	49	i	i	NOUN
easat-6931	176	50	)	)	PUNCT
easat-6931	176	51	orient	orient	NOUN
easat-6931	176	52	policies	policy	NOUN
easat-6931	176	53	for	for	SCONJ
easat-6931	176	54	banks	bank	NOUN
easat-6931	176	55	to	to	PART
easat-6931	176	56	increase	increase	VERB
easat-6931	176	57	capital	capital	NOUN
easat-6931	176	58	in	in	ADP
easat-6931	176	59	accordance	accordance	NOUN
easat-6931	176	60	with	with	ADP
easat-6931	176	61	their	their	PRON
easat-6931	176	62	type	type	NOUN
easat-6931	176	63	,	,	PUNCT
easat-6931	176	64	characteristics	characteristic	NOUN
easat-6931	176	65	and	and	CCONJ
easat-6931	176	66	nature	nature	NOUN
easat-6931	176	67	of	of	ADP
easat-6931	176	68	each	each	DET
easat-6931	176	69	type	type	NOUN
easat-6931	176	70	of	of	ADP
easat-6931	176	71	bank	bank	NOUN
easat-6931	176	72	;	;	PUNCT
easat-6931	176	73	(	(	PUNCT
easat-6931	176	74	ii	ii	NOUN
easat-6931	176	75	)	)	PUNCT
easat-6931	176	76	improve	improve	VERB
easat-6931	176	77	the	the	DET
easat-6931	176	78	inspection	inspection	NOUN
easat-6931	176	79	and	and	CCONJ
easat-6931	176	80	supervision	supervision	NOUN
easat-6931	176	81	capacity	capacity	NOUN
easat-6931	176	82	of	of	ADP
easat-6931	176	83	basel	basel	PROPN
easat-6931	176	84	iii	iii	PROPN
easat-6931	176	85	implementation	implementation	NOUN
easat-6931	176	86	for	for	ADP
easat-6931	176	87	authorities	authority	NOUN
easat-6931	176	88	;	;	PUNCT
easat-6931	176	89	(	(	PUNCT
easat-6931	176	90	iii	iii	X
easat-6931	176	91	)	)	PUNCT
easat-6931	176	92	develop	develop	VERB
easat-6931	176	93	technology	technology	NOUN
easat-6931	176	94	infrastructure	infrastructure	NOUN
easat-6931	176	95	,	,	PUNCT
easat-6931	176	96	provide	provide	VERB
easat-6931	176	97	basel	basel	PROPN
easat-6931	176	98	iii	iii	PROPN
easat-6931	176	99	technology	technology	NOUN
easat-6931	176	100	services	service	NOUN
easat-6931	176	101	by	by	ADP
easat-6931	176	102	third	third	ADJ
easat-6931	176	103	parties	party	NOUN
easat-6931	176	104	(	(	PUNCT
easat-6931	176	105	consulting	consulting	NOUN
easat-6931	176	106	units	unit	NOUN
easat-6931	176	107	)	)	PUNCT
easat-6931	176	108	;	;	PUNCT
easat-6931	176	109	(	(	PUNCT
easat-6931	176	110	iv	iv	X
easat-6931	176	111	)	)	PUNCT
easat-6931	176	112	develop	develop	VERB
easat-6931	176	113	a	a	DET
easat-6931	176	114	credit	credit	NOUN
easat-6931	176	115	rating	rating	NOUN
easat-6931	176	116	network	network	NOUN
easat-6931	176	117	,	,	PUNCT
easat-6931	176	118	gsib	gsib	NOUN
easat-6931	176	119	,	,	PUNCT
easat-6931	176	120	dsib	dsib	PROPN
easat-6931	176	121	ratings	rating	NOUN
easat-6931	176	122	,	,	PUNCT
easat-6931	176	123	audit	audit	NOUN
easat-6931	176	124	consulting	consulting	NOUN
easat-6931	176	125	according	accord	VERB
easat-6931	176	126	to	to	ADP
easat-6931	176	127	basel	basel	PROPN
easat-6931	176	128	iii	iii	PROPN
easat-6931	176	129	international	international	ADJ
easat-6931	176	130	practices	practice	NOUN
easat-6931	176	131	;	;	PUNCT
easat-6931	176	132	(	(	PUNCT
easat-6931	176	133	v	v	NOUN
easat-6931	176	134	)	)	PUNCT
easat-6931	176	135	overcome	overcome	VERB
easat-6931	176	136	difficulties	difficulty	NOUN
easat-6931	176	137	and	and	CCONJ
easat-6931	176	138	challenges	challenge	NOUN
easat-6931	176	139	in	in	ADP
easat-6931	176	140	implementing	implement	VERB
easat-6931	176	141	the	the	DET
easat-6931	176	142	basel	basel	PROPN
easat-6931	176	143	iii	iii	PROPN
easat-6931	176	144	capital	capital	NOUN
easat-6931	176	145	buffer	buffer	NOUN
easat-6931	176	146	.	.	PUNCT
easat-6931	177	1	results	result	NOUN
easat-6931	177	2	of	of	ADP
easat-6931	177	3	quantitative	quantitative	ADJ
easat-6931	177	4	analysis	analysis	NOUN
easat-6931	177	5	and	and	CCONJ
easat-6931	177	6	the	the	DET
easat-6931	177	7	direction	direction	NOUN
easat-6931	177	8	of	of	ADP
easat-6931	177	9	impact	impact	NOUN
easat-6931	177	10	(	(	PUNCT
easat-6931	177	11	positive	positive	ADJ
easat-6931	177	12	or	or	CCONJ
easat-6931	177	13	negative	negative	ADJ
easat-6931	177	14	)	)	PUNCT
easat-6931	177	15	of	of	ADP
easat-6931	177	16	variables	variable	NOUN
easat-6931	177	17	in	in	ADP
easat-6931	177	18	the	the	DET
easat-6931	177	19	model	model	NOUN
easat-6931	177	20	also	also	ADV
easat-6931	177	21	imply	imply	VERB
easat-6931	177	22	that	that	SCONJ
easat-6931	177	23	the	the	DET
easat-6931	177	24	impact	impact	NOUN
easat-6931	177	25	of	of	ADP
easat-6931	177	26	variables	variable	NOUN
easat-6931	177	27	may	may	AUX
easat-6931	177	28	vary	vary	VERB
easat-6931	177	29	according	accord	VERB
easat-6931	177	30	to	to	ADP
easat-6931	177	31	the	the	DET
easat-6931	177	32	implementation	implementation	NOUN
easat-6931	177	33	stage	stage	NOUN
easat-6931	177	34	,	,	PUNCT
easat-6931	177	35	the	the	DET
easat-6931	177	36	level	level	NOUN
easat-6931	177	37	of	of	ADP
easat-6931	177	38	effectiveness	effectiveness	NOUN
easat-6931	177	39	of	of	ADP
easat-6931	177	40	solutions	solution	NOUN
easat-6931	177	41	and	and	CCONJ
easat-6931	177	42	the	the	DET
easat-6931	177	43	way	way	NOUN
easat-6931	177	44	to	to	PART
easat-6931	177	45	overcome	overcome	VERB
easat-6931	177	46	difficulties	difficulty	NOUN
easat-6931	177	47	and	and	CCONJ
easat-6931	177	48	challenges	challenge	NOUN
easat-6931	177	49	of	of	ADP
easat-6931	177	50	banks	bank	NOUN
easat-6931	177	51	when	when	SCONJ
easat-6931	177	52	implementing	implement	VERB
easat-6931	177	53	the	the	DET
easat-6931	177	54	requirements	requirement	NOUN
easat-6931	177	55	of	of	ADP
easat-6931	177	56	basel	basel	PROPN
easat-6931	177	57	iii	iii	PROPN
easat-6931	177	58	capital	capital	NOUN
easat-6931	177	59	buffer	buffer	NOUN
easat-6931	177	60	.	.	PUNCT
easat-6931	178	1	the	the	DET
easat-6931	178	2	survey	survey	NOUN
easat-6931	178	3	questionnaire	questionnaire	NOUN
easat-6931	178	4	can	can	AUX
easat-6931	178	5	also	also	ADV
easat-6931	178	6	be	be	AUX
easat-6931	178	7	a	a	DET
easat-6931	178	8	useful	useful	ADJ
easat-6931	178	9	reference	reference	NOUN
easat-6931	178	10	for	for	ADP
easat-6931	178	11	banks	bank	NOUN
easat-6931	178	12	in	in	ADP
easat-6931	178	13	gap	gap	NOUN
easat-6931	178	14	analysis	analysis	NOUN
easat-6931	178	15	of	of	ADP
easat-6931	178	16	basel	basel	PROPN
easat-6931	178	17	capital	capital	NOUN
easat-6931	178	18	buffer	buffer	NOUN
easat-6931	178	19	and	and	CCONJ
easat-6931	178	20	assessing	assess	VERB
easat-6931	178	21	the	the	DET
easat-6931	178	22	level	level	NOUN
easat-6931	178	23	of	of	ADP
easat-6931	178	24	implementation	implementation	NOUN
easat-6931	178	25	of	of	ADP
easat-6931	178	26	solutions	solution	NOUN
easat-6931	178	27	to	to	PART
easat-6931	178	28	make	make	VERB
easat-6931	178	29	appropriate	appropriate	ADJ
easat-6931	178	30	strategic	strategic	ADJ
easat-6931	178	31	adjustments	adjustment	NOUN
easat-6931	178	32	towards	towards	ADP
easat-6931	178	33	the	the	DET
easat-6931	178	34	synchronous	synchronous	ADJ
easat-6931	178	35	implementation	implementation	NOUN
easat-6931	178	36	of	of	ADP
easat-6931	178	37	basel	basel	PROPN
easat-6931	178	38	iii	iii	PROPN
easat-6931	178	39	capital	capital	NOUN
easat-6931	178	40	buffer	buffer	NOUN
easat-6931	178	41	at	at	ADP
easat-6931	178	42	banks	bank	NOUN
easat-6931	178	43	.	.	PUNCT
easat-6931	179	1	second	second	ADJ
easat-6931	179	2	,	,	PUNCT
easat-6931	179	3	results	result	NOUN
easat-6931	179	4	of	of	ADP
easat-6931	179	5	the	the	DET
easat-6931	179	6	analysis	analysis	NOUN
easat-6931	179	7	of	of	ADP
easat-6931	179	8	the	the	DET
easat-6931	179	9	regression	regression	NOUN
easat-6931	179	10	model	model	NOUN
easat-6931	179	11	1kqspss	1kqspss	NUM
easat-6931	179	12	from	from	ADP
easat-6931	179	13	the	the	DET
easat-6931	179	14	research	research	NOUN
easat-6931	179	15	sample	sample	NOUN
easat-6931	179	16	at	at	ADP
easat-6931	179	17	the	the	DET
easat-6931	179	18	time	time	NOUN
easat-6931	179	19	of	of	ADP
easat-6931	179	20	the	the	DET
easat-6931	179	21	survey	survey	NOUN
easat-6931	179	22	showed	show	VERB
easat-6931	179	23	that	that	SCONJ
easat-6931	179	24	:	:	PUNCT
easat-6931	179	25	(	(	PUNCT
easat-6931	179	26	i	i	NOUN
easat-6931	179	27	)	)	PUNCT
easat-6931	179	28	the	the	DET
easat-6931	179	29	partial	partial	ADJ
easat-6931	179	30	regression	regression	NOUN
easat-6931	179	31	coefficients	coefficient	NOUN
easat-6931	179	32	of	of	ADP
easat-6931	179	33	the	the	DET
easat-6931	179	34	independent	independent	ADJ
easat-6931	179	35	variables	variable	NOUN
easat-6931	179	36	vcp	vcp	NOUN
easat-6931	179	37	,	,	PUNCT
easat-6931	179	38	vkd	vkd	ADV
easat-6931	179	39	,	,	PUNCT
easat-6931	179	40	ht	ht	PROPN
easat-6931	179	41	have	have	VERB
easat-6931	179	42	positive	positive	ADJ
easat-6931	179	43	values	value	NOUN
easat-6931	179	44	,	,	PUNCT
easat-6931	179	45	indicating	indicate	VERB
easat-6931	179	46	the	the	DET
easat-6931	179	47	positive	positive	ADJ
easat-6931	179	48	level	level	NOUN
easat-6931	179	49	and	and	CCONJ
easat-6931	179	50	order	order	NOUN
easat-6931	179	51	of	of	ADP
easat-6931	179	52	effectiveness	effectiveness	NOUN
easat-6931	179	53	of	of	ADP
easat-6931	179	54	these	these	DET
easat-6931	179	55	solution	solution	NOUN
easat-6931	179	56	variables	variable	VERB
easat-6931	179	57	in	in	ADP
easat-6931	179	58	the	the	DET
easat-6931	179	59	model	model	NOUN
easat-6931	179	60	.	.	PUNCT
easat-6931	180	1	the	the	DET
easat-6931	180	2	solution	solution	NOUN
easat-6931	180	3	to	to	PART
easat-6931	180	4	increase	increase	VERB
easat-6931	180	5	stock	stock	NOUN
easat-6931	180	6	capital	capital	NOUN
easat-6931	180	7	has	have	VERB
easat-6931	180	8	the	the	DET
easat-6931	180	9	most	most	ADV
easat-6931	180	10	positive	positive	ADJ
easat-6931	180	11	impact	impact	NOUN
easat-6931	180	12	(	(	PUNCT
easat-6931	180	13	vck	vck	NOUN
easat-6931	180	14	=	=	SYM
easat-6931	180	15	0.313	0.313	NUM
easat-6931	180	16	)	)	PUNCT
easat-6931	180	17	;	;	PUNCT
easat-6931	180	18	followed	follow	VERB
easat-6931	180	19	by	by	ADP
easat-6931	180	20	the	the	DET
easat-6931	180	21	system	system	NOUN
easat-6931	180	22	solution	solution	NOUN
easat-6931	180	23	ht	ht	PROPN
easat-6931	180	24	=	=	NOUN
easat-6931	180	25	0.226	0.226	NUM
easat-6931	180	26	;	;	PUNCT
easat-6931	180	27	and	and	CCONJ
easat-6931	180	28	vkd	vkd	NOUN
easat-6931	180	29	=	=	SYM
easat-6931	180	30	0.215	0.215	NUM
easat-6931	180	31	.	.	PUNCT
easat-6931	181	1	accordingly	accordingly	ADV
easat-6931	181	2	,	,	PUNCT
easat-6931	181	3	banks	bank	NOUN
easat-6931	181	4	need	need	VERB
easat-6931	181	5	to	to	PART
easat-6931	181	6	focus	focus	VERB
easat-6931	181	7	on	on	ADP
easat-6931	181	8	prioritizing	prioritize	VERB
easat-6931	181	9	positive	positive	ADJ
easat-6931	181	10	solutions	solution	NOUN
easat-6931	181	11	,	,	PUNCT
easat-6931	181	12	aiming	aim	VERB
easat-6931	181	13	at	at	ADP
easat-6931	181	14	optimizing	optimize	VERB
easat-6931	181	15	and	and	CCONJ
easat-6931	181	16	saving	save	VERB
easat-6931	181	17	resources	resource	NOUN
easat-6931	181	18	;	;	PUNCT
easat-6931	181	19	(	(	PUNCT
easat-6931	181	20	ii	ii	X
easat-6931	181	21	)	)	PUNCT
easat-6931	181	22	the	the	DET
easat-6931	181	23	partial	partial	ADJ
easat-6931	181	24	regression	regression	NOUN
easat-6931	181	25	coefficient	coefficient	NOUN
easat-6931	181	26	of	of	ADP
easat-6931	181	27	the	the	DET
easat-6931	181	28	variable	variable	ADJ
easat-6931	181	29	vnn	vnn	NOUN
easat-6931	181	30	=	=	PROPN
easat-6931	181	31	0.175	0.175	PROPN
easat-6931	181	32	has	have	VERB
easat-6931	181	33	a	a	DET
easat-6931	181	34	negative	negative	ADJ
easat-6931	181	35	value	value	NOUN
easat-6931	181	36	,	,	PUNCT
easat-6931	181	37	indicating	indicate	VERB
easat-6931	181	38	a	a	DET
easat-6931	181	39	shortage	shortage	NOUN
easat-6931	181	40	in	in	ADP
easat-6931	181	41	quantity	quantity	NOUN
easat-6931	181	42	,	,	PUNCT
easat-6931	181	43	delay	delay	NOUN
easat-6931	181	44	and	and	CCONJ
easat-6931	181	45	prolonged	prolonged	ADJ
easat-6931	181	46	time	time	NOUN
easat-6931	181	47	to	to	PART
easat-6931	181	48	increase	increase	VERB
easat-6931	181	49	budget	budget	NOUN
easat-6931	181	50	capital	capital	NOUN
easat-6931	181	51	,	,	PUNCT
easat-6931	181	52	leading	lead	VERB
easat-6931	181	53	to	to	ADP
easat-6931	181	54	a	a	DET
easat-6931	181	55	decrease	decrease	NOUN
easat-6931	181	56	in	in	ADP
easat-6931	181	57	the	the	DET
easat-6931	181	58	effectiveness	effectiveness	NOUN
easat-6931	181	59	of	of	ADP
easat-6931	181	60	the	the	DET
easat-6931	181	61	process	process	NOUN
easat-6931	181	62	of	of	ADP
easat-6931	181	63	increasing	increase	VERB
easat-6931	181	64	budget	budget	NOUN
easat-6931	181	65	capital	capital	NOUN
easat-6931	181	66	to	to	PART
easat-6931	181	67	meet	meet	VERB
easat-6931	181	68	buffer	buffer	NOUN
easat-6931	181	69	requirements	requirement	NOUN
easat-6931	181	70	.	.	PUNCT
easat-6931	182	1	this	this	DET
easat-6931	182	2	negative	negative	ADJ
easat-6931	182	3	value	value	NOUN
easat-6931	182	4	also	also	ADV
easat-6931	182	5	indicates	indicate	VERB
easat-6931	182	6	the	the	DET
easat-6931	182	7	important	important	ADJ
easat-6931	182	8	role	role	NOUN
easat-6931	182	9	of	of	ADP
easat-6931	182	10	the	the	DET
easat-6931	182	11	banking	banking	NOUN
easat-6931	182	12	authorities	authority	NOUN
easat-6931	182	13	in	in	ADP
easat-6931	182	14	orienting	orient	VERB
easat-6931	182	15	development	development	NOUN
easat-6931	182	16	,	,	PUNCT
easat-6931	182	17	supporting	support	VERB
easat-6931	182	18	commercial	commercial	ADJ
easat-6931	182	19	banks	bank	NOUN
easat-6931	182	20	to	to	PART
easat-6931	182	21	increase	increase	VERB
easat-6931	182	22	the	the	DET
easat-6931	182	23	volume	volume	NOUN
easat-6931	182	24	and	and	CCONJ
easat-6931	182	25	shorten	shorten	VERB
easat-6931	182	26	the	the	DET
easat-6931	182	27	time	time	NOUN
easat-6931	182	28	to	to	PART
easat-6931	182	29	increase	increase	VERB
easat-6931	182	30	budget	budget	NOUN
easat-6931	182	31	capital	capital	NOUN
easat-6931	182	32	;	;	PUNCT
easat-6931	182	33	(	(	PUNCT
easat-6931	182	34	iii	iii	X
easat-6931	182	35	)	)	PUNCT
easat-6931	182	36	the	the	DET
easat-6931	182	37	partial	partial	ADJ
easat-6931	182	38	regression	regression	NOUN
easat-6931	182	39	coefficient	coefficient	NOUN
easat-6931	182	40	of	of	ADP
easat-6931	182	41	the	the	DET
easat-6931	182	42	variable	variable	ADJ
easat-6931	182	43	tthbiii	tthbiii	NOUN
easat-6931	182	44	=	=	PUNCT
easat-6931	182	45	0.273	0.273	NUM
easat-6931	182	46	has	have	VERB
easat-6931	182	47	a	a	DET
easat-6931	182	48	negative	negative	ADJ
easat-6931	182	49	value	value	NOUN
easat-6931	182	50	,	,	PUNCT
easat-6931	182	51	indicating	indicate	VERB
easat-6931	182	52	that	that	SCONJ
easat-6931	182	53	difficulties	difficulty	NOUN
easat-6931	182	54	and	and	CCONJ
easat-6931	182	55	challenges	challenge	NOUN
easat-6931	182	56	can	can	AUX
easat-6931	182	57	slow	slow	VERB
easat-6931	182	58	down	down	ADP
easat-6931	182	59	and	and	CCONJ
easat-6931	182	60	hinder	hinder	VERB
easat-6931	182	61	the	the	DET
easat-6931	182	62	implementation	implementation	NOUN
easat-6931	182	63	of	of	ADP
easat-6931	182	64	the	the	DET
easat-6931	182	65	basel	basel	PROPN
easat-6931	182	66	iii	iii	PROPN
easat-6931	182	67	capital	capital	NOUN
easat-6931	182	68	buffer	buffer	NOUN
easat-6931	182	69	.	.	PUNCT
easat-6931	183	1	accordingly	accordingly	ADV
easat-6931	183	2	,	,	PUNCT
easat-6931	183	3	banks	bank	NOUN
easat-6931	183	4	and	and	CCONJ
easat-6931	183	5	banking	banking	NOUN
easat-6931	183	6	authorities	authority	NOUN
easat-6931	183	7	need	need	VERB
easat-6931	183	8	to	to	PART
easat-6931	183	9	clearly	clearly	ADV
easat-6931	183	10	identify	identify	VERB
easat-6931	183	11	and	and	CCONJ
easat-6931	183	12	choose	choose	VERB
easat-6931	183	13	ways	way	NOUN
easat-6931	183	14	to	to	PART
easat-6931	183	15	resolve	resolve	VERB
easat-6931	183	16	and	and	CCONJ
easat-6931	183	17	overcome	overcome	VERB
easat-6931	183	18	difficulties	difficulty	NOUN
easat-6931	183	19	and	and	CCONJ
easat-6931	183	20	challenges	challenge	NOUN
easat-6931	183	21	when	when	SCONJ
easat-6931	183	22	implementing	implement	VERB
easat-6931	183	23	the	the	DET
easat-6931	183	24	basel	basel	PROPN
easat-6931	183	25	iii	iii	PROPN
easat-6931	183	26	capital	capital	NOUN
easat-6931	183	27	buffer	buffer	NOUN
easat-6931	183	28	.	.	PUNCT
easat-6931	184	1	transparency	transparency	NOUN
easat-6931	184	2	:	:	PUNCT
easat-6931	184	3	the	the	DET
easat-6931	184	4	authors	author	NOUN
easat-6931	184	5	confirm	confirm	VERB
easat-6931	184	6	that	that	SCONJ
easat-6931	184	7	the	the	DET
easat-6931	184	8	manuscript	manuscript	NOUN
easat-6931	184	9	is	be	AUX
easat-6931	184	10	an	an	DET
easat-6931	184	11	honest	honest	ADJ
easat-6931	184	12	,	,	PUNCT
easat-6931	184	13	accurate	accurate	ADJ
easat-6931	184	14	,	,	PUNCT
easat-6931	184	15	and	and	CCONJ
easat-6931	184	16	transparent	transparent	ADJ
easat-6931	184	17	account	account	NOUN
easat-6931	184	18	of	of	ADP
easat-6931	184	19	the	the	DET
easat-6931	184	20	study	study	NOUN
easat-6931	184	21	;	;	PUNCT
easat-6931	184	22	that	that	SCONJ
easat-6931	184	23	no	no	DET
easat-6931	184	24	vital	vital	ADJ
easat-6931	184	25	features	feature	NOUN
easat-6931	184	26	of	of	ADP
easat-6931	184	27	the	the	DET
easat-6931	184	28	study	study	NOUN
easat-6931	184	29	have	have	AUX
easat-6931	184	30	been	be	AUX
easat-6931	184	31	omitted	omit	VERB
easat-6931	184	32	;	;	PUNCT
easat-6931	184	33	and	and	CCONJ
easat-6931	184	34	that	that	SCONJ
easat-6931	184	35	any	any	DET
easat-6931	184	36	discrepancies	discrepancy	NOUN
easat-6931	184	37	from	from	ADP
easat-6931	184	38	the	the	DET
easat-6931	184	39	study	study	NOUN
easat-6931	184	40	as	as	SCONJ
easat-6931	184	41	planned	plan	VERB
easat-6931	184	42	have	have	AUX
easat-6931	184	43	been	be	AUX
easat-6931	184	44	explained	explain	VERB
easat-6931	184	45	.	.	PUNCT
easat-6931	185	1	this	this	DET
easat-6931	185	2	study	study	NOUN
easat-6931	185	3	followed	follow	VERB
easat-6931	185	4	all	all	DET
easat-6931	185	5	ethical	ethical	ADJ
easat-6931	185	6	practices	practice	NOUN
easat-6931	185	7	during	during	ADP
easat-6931	185	8	writing	writing	NOUN
easat-6931	185	9	.	.	PUNCT
easat-6931	186	1	536	536	NUM
easat-6931	186	2	edelweiss	edelweiss	PROPN
easat-6931	186	3	applied	apply	VERB
easat-6931	186	4	science	science	NOUN
easat-6931	186	5	and	and	CCONJ
easat-6931	186	6	technology	technology	NOUN
easat-6931	186	7	issn	issn	PROPN
easat-6931	186	8	:	:	PUNCT
easat-6931	186	9	2576	2576	NUM
easat-6931	186	10	-	-	SYM
easat-6931	186	11	8484	8484	NUM
easat-6931	186	12	vol	vol	NOUN
easat-6931	186	13	.	.	PROPN
easat-6931	187	1	9	9	NUM
easat-6931	187	2	,	,	PUNCT
easat-6931	187	3	no	no	INTJ
easat-6931	187	4	.	.	NOUN
easat-6931	187	5	5	5	NUM
easat-6931	187	6	:	:	PUNCT
easat-6931	187	7	524	524	NUM
easat-6931	187	8	-	-	SYM
easat-6931	187	9	536	536	NUM
easat-6931	187	10	,	,	PUNCT
easat-6931	187	11	2025	2025	NUM
easat-6931	187	12	doi	doi	NOUN
easat-6931	187	13	:	:	PUNCT
easat-6931	187	14	10.55214/25768484.v9i5.6931	10.55214/25768484.v9i5.6931	NUM
easat-6931	187	15	©	©	PROPN
easat-6931	187	16	2025	2025	NUM
easat-6931	187	17	by	by	ADP
easat-6931	187	18	the	the	DET
easat-6931	187	19	authors	author	NOUN
easat-6931	187	20	;	;	PUNCT
easat-6931	187	21	licensee	licensee	PROPN
easat-6931	187	22	learning	learn	VERB
easat-6931	187	23	gate	gate	NOUN
easat-6931	187	24	acknowledgement	acknowledgement	NOUN
easat-6931	187	25	:	:	PUNCT
easat-6931	187	26	the	the	DET
easat-6931	187	27	author	author	NOUN
easat-6931	187	28	gratefully	gratefully	ADV
easat-6931	187	29	acknowledges	acknowledge	VERB
easat-6931	187	30	the	the	DET
easat-6931	187	31	financial	financial	ADJ
easat-6931	187	32	support	support	NOUN
easat-6931	187	33	from	from	ADP
easat-6931	187	34	the	the	DET
easat-6931	187	35	banking	banking	NOUN
easat-6931	187	36	academy	academy	PROPN
easat-6931	187	37	of	of	ADP
easat-6931	187	38	vietnam	vietnam	PROPN
easat-6931	187	39	.	.	PUNCT
easat-6931	188	1	copyright	copyright	NOUN
easat-6931	188	2	:	:	PUNCT
easat-6931	188	3	©	©	PROPN
easat-6931	188	4	2025	2025	NUM
easat-6931	188	5	by	by	ADP
easat-6931	188	6	the	the	DET
easat-6931	188	7	authors	author	NOUN
easat-6931	188	8	.	.	PUNCT
easat-6931	189	1	this	this	DET
easat-6931	189	2	open	open	ADJ
easat-6931	189	3	-	-	PUNCT
easat-6931	189	4	access	access	NOUN
easat-6931	189	5	article	article	NOUN
easat-6931	189	6	is	be	AUX
easat-6931	189	7	distributed	distribute	VERB
easat-6931	189	8	under	under	ADP
easat-6931	189	9	the	the	DET
easat-6931	189	10	terms	term	NOUN
easat-6931	189	11	and	and	CCONJ
easat-6931	189	12	conditions	condition	NOUN
easat-6931	189	13	of	of	ADP
easat-6931	189	14	the	the	DET
easat-6931	189	15	creative	creative	ADJ
easat-6931	189	16	commons	common	NOUN
easat-6931	189	17	attribution	attribution	NOUN
easat-6931	189	18	(	(	PUNCT
easat-6931	189	19	cc	cc	NOUN
easat-6931	189	20	by	by	ADP
easat-6931	189	21	)	)	PUNCT
easat-6931	189	22	license	license	NOUN
easat-6931	189	23	(	(	PUNCT
easat-6931	189	24	https://creativecommons.org/licenses/by/4.0/	https://creativecommons.org/licenses/by/4.0/	PROPN
easat-6931	189	25	)	)	PUNCT
easat-6931	189	26	.	.	PUNCT
easat-6931	190	1	references	reference	NOUN
easat-6931	190	2	[	[	X
easat-6931	190	3	1	1	NUM
easat-6931	190	4	]	]	PUNCT
easat-6931	190	5	c.	c.	PROPN
easat-6931	190	6	ferreira	ferreira	PROPN
easat-6931	190	7	,	,	PUNCT
easat-6931	190	8	n.	n.	PROPN
easat-6931	190	9	jenkinson	jenkinson	PROPN
easat-6931	190	10	,	,	PUNCT
easat-6931	190	11	and	and	CCONJ
easat-6931	190	12	c.	c.	PROPN
easat-6931	190	13	wilson	wilson	PROPN
easat-6931	190	14	,	,	PUNCT
easat-6931	190	15	from	from	ADP
easat-6931	190	16	basel	basel	PROPN
easat-6931	190	17	i	i	PROPN
easat-6931	190	18	to	to	ADP
easat-6931	190	19	basel	basel	PROPN
easat-6931	190	20	iii	iii	PROPN
easat-6931	190	21	:	:	PUNCT
easat-6931	190	22	sequencing	sequence	VERB
easat-6931	190	23	implementation	implementation	NOUN
easat-6931	190	24	in	in	ADP
easat-6931	190	25	developing	develop	VERB
easat-6931	190	26	economies	economy	NOUN
easat-6931	190	27	.	.	PUNCT
easat-6931	191	1	international	international	ADJ
easat-6931	191	2	monetary	monetary	ADJ
easat-6931	191	3	fund	fund	NOUN
easat-6931	191	4	.	.	PUNCT
easat-6931	192	1	https://doi.org/10.5089/9781513510974.001	https://doi.org/10.5089/9781513510974.001	NOUN
easat-6931	192	2	,	,	PUNCT
easat-6931	192	3	2019	2019	NUM
easat-6931	192	4	.	.	PUNCT
easat-6931	193	1	[	[	X
easat-6931	193	2	2	2	NUM
easat-6931	193	3	]	]	X
easat-6931	193	4	basel	basel	PROPN
easat-6931	193	5	committee	committee	PROPN
easat-6931	193	6	on	on	ADP
easat-6931	193	7	banking	banking	NOUN
easat-6931	193	8	supervision	supervision	NOUN
easat-6931	193	9	(	(	PUNCT
easat-6931	193	10	bis	bis	PROPN
easat-6931	193	11	)	)	PUNCT
easat-6931	193	12	,	,	PUNCT
easat-6931	193	13	basel	basel	PROPN
easat-6931	193	14	iii	iii	PROPN
easat-6931	193	15	:	:	PUNCT
easat-6931	193	16	a	a	DET
easat-6931	193	17	global	global	ADJ
easat-6931	193	18	regulatory	regulatory	ADJ
easat-6931	193	19	framework	framework	NOUN
easat-6931	193	20	for	for	ADP
easat-6931	193	21	more	more	ADV
easat-6931	193	22	resilient	resilient	ADJ
easat-6931	193	23	banks	bank	NOUN
easat-6931	193	24	and	and	CCONJ
easat-6931	193	25	banking	banking	NOUN
easat-6931	193	26	systems	system	NOUN
easat-6931	193	27	.	.	PUNCT
easat-6931	194	1	basel	basel	PROPN
easat-6931	194	2	,	,	PUNCT
easat-6931	194	3	switzerland	switzerland	PROPN
easat-6931	194	4	:	:	PUNCT
easat-6931	194	5	bank	bank	PROPN
easat-6931	194	6	for	for	ADP
easat-6931	194	7	international	international	ADJ
easat-6931	194	8	settlements	settlement	NOUN
easat-6931	194	9	,	,	PUNCT
easat-6931	194	10	2010	2010	NUM
easat-6931	194	11	.	.	PUNCT
easat-6931	195	1	[	[	X
easat-6931	195	2	3	3	NUM
easat-6931	195	3	]	]	X
easat-6931	195	4	basel	basel	PROPN
easat-6931	195	5	committee	committee	PROPN
easat-6931	195	6	on	on	ADP
easat-6931	195	7	banking	banking	NOUN
easat-6931	195	8	supervision	supervision	NOUN
easat-6931	195	9	(	(	PUNCT
easat-6931	195	10	bis	bis	PROPN
easat-6931	195	11	)	)	PUNCT
easat-6931	195	12	,	,	PUNCT
easat-6931	195	13	revised	revise	VERB
easat-6931	195	14	assessment	assessment	NOUN
easat-6931	195	15	methodology	methodology	NOUN
easat-6931	195	16	and	and	CCONJ
easat-6931	195	17	the	the	DET
easat-6931	195	18	higher	high	ADJ
easat-6931	195	19	loss	loss	NOUN
easat-6931	195	20	absorbency	absorbency	NOUN
easat-6931	195	21	requirement	requirement	NOUN
easat-6931	195	22	.	.	PUNCT
easat-6931	196	1	basel	basel	PROPN
easat-6931	196	2	,	,	PUNCT
easat-6931	196	3	switzerland	switzerland	PROPN
easat-6931	196	4	:	:	PUNCT
easat-6931	196	5	bank	bank	PROPN
easat-6931	196	6	for	for	ADP
easat-6931	196	7	international	international	ADJ
easat-6931	196	8	settlements	settlement	NOUN
easat-6931	196	9	,	,	PUNCT
easat-6931	196	10	2017	2017	NUM
easat-6931	196	11	.	.	PUNCT
easat-6931	197	1	[	[	X
easat-6931	197	2	4	4	NUM
easat-6931	197	3	]	]	X
easat-6931	197	4	basel	basel	PROPN
easat-6931	197	5	committee	committee	PROPN
easat-6931	197	6	on	on	ADP
easat-6931	197	7	banking	banking	NOUN
easat-6931	197	8	supervision	supervision	NOUN
easat-6931	197	9	,	,	PUNCT
easat-6931	197	10	global	global	ADJ
easat-6931	197	11	systemically	systemically	ADV
easat-6931	197	12	important	important	ADJ
easat-6931	197	13	banks	bank	NOUN
easat-6931	197	14	:	:	PUNCT
easat-6931	197	15	revised	revise	VERB
easat-6931	197	16	assessment	assessment	NOUN
easat-6931	197	17	methodology	methodology	NOUN
easat-6931	197	18	and	and	CCONJ
easat-6931	197	19	the	the	DET
easat-6931	197	20	higher	high	ADJ
easat-6931	197	21	loss	loss	NOUN
easat-6931	197	22	absorbency	absorbency	NOUN
easat-6931	197	23	requirement	requirement	NOUN
easat-6931	197	24	(	(	PUNCT
easat-6931	197	25	bis	bis	PROPN
easat-6931	197	26	d545	d545	NUM
easat-6931	197	27	)	)	PUNCT
easat-6931	197	28	.	.	PUNCT
easat-6931	198	1	basel	basel	PROPN
easat-6931	198	2	,	,	PUNCT
easat-6931	198	3	switzerland	switzerland	PROPN
easat-6931	198	4	:	:	PUNCT
easat-6931	198	5	bank	bank	PROPN
easat-6931	198	6	for	for	ADP
easat-6931	198	7	international	international	ADJ
easat-6931	198	8	settlements	settlement	NOUN
easat-6931	198	9	,	,	PUNCT
easat-6931	198	10	2018	2018	NUM
easat-6931	198	11	.	.	PUNCT
easat-6931	199	1	[	[	X
easat-6931	199	2	5	5	NUM
easat-6931	199	3	]	]	X
easat-6931	199	4	basel	basel	PROPN
easat-6931	199	5	committee	committee	PROPN
easat-6931	199	6	on	on	ADP
easat-6931	199	7	banking	banking	NOUN
easat-6931	199	8	supervision	supervision	NOUN
easat-6931	199	9	,	,	PUNCT
easat-6931	199	10	systemically	systemically	ADV
easat-6931	199	11	important	important	ADJ
easat-6931	199	12	banks	bank	NOUN
easat-6931	199	13	buffers	buffer	NOUN
easat-6931	199	14	(	(	PUNCT
easat-6931	199	15	bis	bis	PROPN
easat-6931	199	16	rbc40	rbc40	PROPN
easat-6931	199	17	)	)	PUNCT
easat-6931	199	18	.	.	PUNCT
easat-6931	200	1	basel	basel	PROPN
easat-6931	200	2	,	,	PUNCT
easat-6931	200	3	switzerland	switzerland	PROPN
easat-6931	200	4	:	:	PUNCT
easat-6931	200	5	bank	bank	PROPN
easat-6931	200	6	for	for	ADP
easat-6931	200	7	international	international	ADJ
easat-6931	200	8	settlements	settlement	NOUN
easat-6931	200	9	,	,	PUNCT
easat-6931	200	10	2019	2019	NUM
easat-6931	200	11	.	.	PUNCT
easat-6931	201	1	[	[	X
easat-6931	201	2	6	6	NUM
easat-6931	201	3	]	]	PUNCT
easat-6931	201	4	b.	b.	PROPN
easat-6931	201	5	h.	h.	PROPN
easat-6931	201	6	cohen	cohen	PROPN
easat-6931	201	7	,	,	PUNCT
easat-6931	201	8	"	"	PUNCT
easat-6931	201	9	how	how	SCONJ
easat-6931	201	10	have	have	AUX
easat-6931	201	11	banks	bank	NOUN
easat-6931	201	12	adjusted	adjust	VERB
easat-6931	201	13	to	to	ADP
easat-6931	201	14	higher	high	ADJ
easat-6931	201	15	capital	capital	NOUN
easat-6931	201	16	requirements	requirement	NOUN
easat-6931	201	17	?	?	PUNCT
easat-6931	202	1	bis	bis	ADJ
easat-6931	202	2	quarterly	quarterly	ADJ
easat-6931	202	3	review	review	NOUN
easat-6931	202	4	,	,	PUNCT
easat-6931	202	5	"	"	PUNCT
easat-6931	202	6	retrieved	retrieve	VERB
easat-6931	202	7	:	:	PUNCT
easat-6931	202	8	https://www.bis.org/publ/qtrpdf/r_qt1309f.htm	https://www.bis.org/publ/qtrpdf/r_qt1309f.htm	PROPN
easat-6931	202	9	,	,	PUNCT
easat-6931	202	10	2013	2013	NUM
easat-6931	202	11	.	.	PUNCT
easat-6931	203	1	[	[	X
easat-6931	203	2	7	7	X
easat-6931	203	3	]	]	X
easat-6931	203	4	r.	r.	PROPN
easat-6931	203	5	gropp	gropp	PROPN
easat-6931	203	6	,	,	PUNCT
easat-6931	203	7	f.	f.	PROPN
easat-6931	203	8	heider	heider	PROPN
easat-6931	203	9	,	,	PUNCT
easat-6931	203	10	and	and	CCONJ
easat-6931	203	11	m.	m.	NOUN
easat-6931	203	12	iannarelli	iannarelli	PROPN
easat-6931	203	13	,	,	PUNCT
easat-6931	203	14	"	"	PUNCT
easat-6931	203	15	bank	bank	NOUN
easat-6931	203	16	response	response	NOUN
easat-6931	203	17	to	to	ADP
easat-6931	203	18	higher	high	ADJ
easat-6931	203	19	capital	capital	NOUN
easat-6931	203	20	requirements	requirement	NOUN
easat-6931	203	21	:	:	PUNCT
easat-6931	203	22	evidence	evidence	NOUN
easat-6931	203	23	from	from	ADP
easat-6931	203	24	a	a	DET
easat-6931	203	25	quasi	quasi	ADJ
easat-6931	203	26	-	-	ADJ
easat-6931	203	27	natural	natural	ADJ
easat-6931	203	28	experiment	experiment	NOUN
easat-6931	203	29	,	,	PUNCT
easat-6931	203	30	"	"	PUNCT
easat-6931	203	31	review	review	NOUN
easat-6931	203	32	of	of	ADP
easat-6931	203	33	financial	financial	ADJ
easat-6931	203	34	studies	study	NOUN
easat-6931	203	35	,	,	PUNCT
easat-6931	203	36	vol	vol	NOUN
easat-6931	203	37	.	.	PROPN
easat-6931	203	38	29	29	NUM
easat-6931	203	39	,	,	PUNCT
easat-6931	203	40	no	no	INTJ
easat-6931	203	41	.	.	NOUN
easat-6931	203	42	9	9	NUM
easat-6931	203	43	,	,	PUNCT
easat-6931	203	44	pp	pp	ADJ
easat-6931	203	45	.	.	PUNCT
easat-6931	203	46	2859	2859	NUM
easat-6931	203	47	-	-	SYM
easat-6931	203	48	2889	2889	NUM
easat-6931	203	49	,	,	PUNCT
easat-6931	203	50	2016	2016	NUM
easat-6931	203	51	.	.	PUNCT
easat-6931	204	1	https://doi.org/10.1093/rfs/hhw029	https://doi.org/10.1093/rfs/hhw029	PROPN
easat-6931	205	1	[	[	X
easat-6931	205	2	8	8	NUM
easat-6931	205	3	]	]	PUNCT
easat-6931	205	4	a.	a.	PROPN
easat-6931	205	5	r.	r.	PROPN
easat-6931	205	6	admati	admati	PROPN
easat-6931	205	7	,	,	PUNCT
easat-6931	205	8	p.	p.	NOUN
easat-6931	205	9	m.	m.	NOUN
easat-6931	205	10	demarzo	demarzo	PROPN
easat-6931	205	11	,	,	PUNCT
easat-6931	205	12	m.	m.	PROPN
easat-6931	205	13	f.	f.	PROPN
easat-6931	205	14	hellwig	hellwig	PROPN
easat-6931	205	15	,	,	PUNCT
easat-6931	205	16	and	and	CCONJ
easat-6931	205	17	p.	p.	NOUN
easat-6931	205	18	pfleiderer	pfleiderer	NOUN
easat-6931	205	19	,	,	PUNCT
easat-6931	205	20	"	"	PUNCT
easat-6931	205	21	fallacies	fallacy	NOUN
easat-6931	205	22	,	,	PUNCT
easat-6931	205	23	irrelevant	irrelevant	ADJ
easat-6931	205	24	facts	fact	NOUN
easat-6931	205	25	,	,	PUNCT
easat-6931	205	26	and	and	CCONJ
easat-6931	205	27	myths	myth	NOUN
easat-6931	205	28	in	in	ADP
easat-6931	205	29	the	the	DET
easat-6931	205	30	discussion	discussion	NOUN
easat-6931	205	31	of	of	ADP
easat-6931	205	32	capital	capital	NOUN
easat-6931	205	33	regulation	regulation	NOUN
easat-6931	205	34	:	:	PUNCT
easat-6931	205	35	why	why	SCONJ
easat-6931	205	36	bank	bank	NOUN
easat-6931	205	37	equity	equity	NOUN
easat-6931	205	38	is	be	AUX
easat-6931	205	39	not	not	PART
easat-6931	205	40	expensive	expensive	ADJ
easat-6931	205	41	,	,	PUNCT
easat-6931	205	42	"	"	PUNCT
easat-6931	205	43	european	european	ADJ
easat-6931	205	44	banking	banking	NOUN
easat-6931	205	45	center	center	PROPN
easat-6931	205	46	discussion	discussion	NOUN
easat-6931	205	47	paper	paper	NOUN
easat-6931	205	48	no	no	INTJ
easat-6931	205	49	.	.	PUNCT
easat-6931	205	50	2010	2010	NUM
easat-6931	205	51	-	-	SYM
easat-6931	205	52	004	004	NUM
easat-6931	205	53	,	,	PUNCT
easat-6931	205	54	2010	2010	NUM
easat-6931	205	55	.	.	PUNCT
easat-6931	206	1	[	[	X
easat-6931	206	2	9	9	NUM
easat-6931	206	3	]	]	PUNCT
easat-6931	206	4	s.	s.	PROPN
easat-6931	206	5	g.	g.	PROPN
easat-6931	206	6	hanson	hanson	PROPN
easat-6931	206	7	,	,	PUNCT
easat-6931	206	8	a.	a.	PROPN
easat-6931	206	9	k.	k.	PROPN
easat-6931	206	10	kashyap	kashyap	PROPN
easat-6931	206	11	,	,	PUNCT
easat-6931	206	12	and	and	CCONJ
easat-6931	206	13	j.	j.	PROPN
easat-6931	206	14	c.	c.	PROPN
easat-6931	206	15	stein	stein	PROPN
easat-6931	206	16	,	,	PUNCT
easat-6931	206	17	"	"	PUNCT
easat-6931	206	18	a	a	DET
easat-6931	206	19	macroprudential	macroprudential	ADJ
easat-6931	206	20	approach	approach	NOUN
easat-6931	206	21	to	to	ADP
easat-6931	206	22	financial	financial	ADJ
easat-6931	206	23	regulation	regulation	NOUN
easat-6931	206	24	,	,	PUNCT
easat-6931	206	25	"	"	PUNCT
easat-6931	206	26	journal	journal	NOUN
easat-6931	206	27	of	of	ADP
easat-6931	206	28	economic	economic	ADJ
easat-6931	206	29	perspectives	perspective	NOUN
easat-6931	206	30	,	,	PUNCT
easat-6931	206	31	vol	vol	NOUN
easat-6931	206	32	.	.	PROPN
easat-6931	207	1	25	25	NUM
easat-6931	207	2	,	,	PUNCT
easat-6931	207	3	no	no	INTJ
easat-6931	207	4	.	.	NOUN
easat-6931	207	5	1	1	NUM
easat-6931	207	6	,	,	PUNCT
easat-6931	207	7	pp	pp	ADJ
easat-6931	207	8	.	.	PUNCT
easat-6931	208	1	3	3	NUM
easat-6931	208	2	-	-	SYM
easat-6931	208	3	28	28	NUM
easat-6931	208	4	,	,	PUNCT
easat-6931	208	5	2011	2011	NUM
easat-6931	208	6	.	.	PUNCT
easat-6931	209	1	https://doi.org/10.1257/jep.25.1.3	https://doi.org/10.1257/jep.25.1.3	VERB
easat-6931	210	1	[	[	X
easat-6931	210	2	10	10	NUM
easat-6931	210	3	]	]	PUNCT
easat-6931	210	4	a.	a.	NOUN
easat-6931	210	5	ayodeji	ayodeji	NOUN
easat-6931	210	6	and	and	CCONJ
easat-6931	210	7	s.	s.	PROPN
easat-6931	210	8	munzhelele	munzhelele	PROPN
easat-6931	210	9	,	,	PUNCT
easat-6931	210	10	"	"	PUNCT
easat-6931	210	11	basel	basel	PROPN
easat-6931	210	12	iii	iii	PROPN
easat-6931	210	13	capital	capital	PROPN
easat-6931	210	14	regulations	regulation	NOUN
easat-6931	210	15	and	and	CCONJ
easat-6931	210	16	bank	bank	NOUN
easat-6931	210	17	efficiency	efficiency	NOUN
easat-6931	210	18	:	:	PUNCT
easat-6931	210	19	evidence	evidence	NOUN
easat-6931	210	20	from	from	ADP
easat-6931	210	21	selected	select	VERB
easat-6931	210	22	african	african	ADJ
easat-6931	210	23	countries	country	NOUN
easat-6931	210	24	,	,	PUNCT
easat-6931	210	25	"	"	PUNCT
easat-6931	210	26	international	international	ADJ
easat-6931	210	27	journal	journal	NOUN
easat-6931	210	28	of	of	ADP
easat-6931	210	29	financial	financial	ADJ
easat-6931	210	30	studies	study	NOUN
easat-6931	210	31	,	,	PUNCT
easat-6931	210	32	vol	vol	NOUN
easat-6931	210	33	.	.	PROPN
easat-6931	211	1	10	10	NUM
easat-6931	211	2	,	,	PUNCT
easat-6931	211	3	no	no	INTJ
easat-6931	211	4	.	.	NOUN
easat-6931	211	5	1	1	NUM
easat-6931	211	6	,	,	PUNCT
easat-6931	211	7	p.	p.	NOUN
easat-6931	211	8	17	17	NUM
easat-6931	211	9	,	,	PUNCT
easat-6931	211	10	2022	2022	NUM
easat-6931	211	11	.	.	PUNCT
easat-6931	212	1	https://doi.org/10.3390/ijfs10010017	https://doi.org/10.3390/ijfs10010017	PROPN
easat-6931	213	1	[	[	X
easat-6931	213	2	11	11	NUM
easat-6931	213	3	]	]	PUNCT
easat-6931	213	4	r.	r.	PROPN
easat-6931	213	5	r.	r.	PROPN
easat-6931	213	6	aljaber	aljaber	PROPN
easat-6931	213	7	and	and	CCONJ
easat-6931	213	8	h.	h.	PROPN
easat-6931	213	9	a.	a.	PROPN
easat-6931	213	10	h.	h.	PROPN
easat-6931	213	11	al	al	PROPN
easat-6931	213	12	-	-	PUNCT
easat-6931	213	13	tamimi	tamimi	PROPN
easat-6931	213	14	,	,	PUNCT
easat-6931	213	15	"	"	PUNCT
easat-6931	213	16	factors	factor	NOUN
easat-6931	213	17	influencing	influence	VERB
easat-6931	213	18	the	the	DET
easat-6931	213	19	implementation	implementation	NOUN
easat-6931	213	20	of	of	ADP
easat-6931	213	21	basel	basel	PROPN
easat-6931	213	22	iii	iii	PROPN
easat-6931	213	23	:	:	PUNCT
easat-6931	213	24	an	an	DET
easat-6931	213	25	empirical	empirical	ADJ
easat-6931	213	26	analysis	analysis	NOUN
easat-6931	213	27	of	of	ADP
easat-6931	213	28	the	the	DET
easat-6931	213	29	uae	uae	PROPN
easat-6931	213	30	banks	bank	NOUN
easat-6931	213	31	,	,	PUNCT
easat-6931	213	32	"	"	PUNCT
easat-6931	213	33	banks	bank	NOUN
easat-6931	213	34	and	and	CCONJ
easat-6931	213	35	bank	bank	NOUN
easat-6931	213	36	systems	system	NOUN
easat-6931	213	37	,	,	PUNCT
easat-6931	213	38	vol	vol	NOUN
easat-6931	213	39	.	.	PROPN
easat-6931	213	40	16	16	NUM
easat-6931	213	41	,	,	PUNCT
easat-6931	213	42	no	no	INTJ
easat-6931	213	43	.	.	NOUN
easat-6931	213	44	1	1	NUM
easat-6931	213	45	,	,	PUNCT
easat-6931	213	46	pp	pp	ADJ
easat-6931	213	47	.	.	PUNCT
easat-6931	213	48	12–22	12–22	NUM
easat-6931	213	49	,	,	PUNCT
easat-6931	213	50	2021	2021	NUM
easat-6931	213	51	.	.	PUNCT
easat-6931	213	52	https://doi.org/10.21511/bbs.16(2).2021.02	https://doi.org/10.21511/bbs.16(2).2021.02	X
easat-6931	214	1	[	[	X
easat-6931	214	2	12	12	NUM
easat-6931	214	3	]	]	X
easat-6931	214	4	h.	h.	PROPN
easat-6931	214	5	thanh	thanh	PROPN
easat-6931	214	6	,	,	PUNCT
easat-6931	214	7	"	"	PUNCT
easat-6931	214	8	proposing	propose	VERB
easat-6931	214	9	solutions	solution	NOUN
easat-6931	214	10	to	to	PART
easat-6931	214	11	increase	increase	VERB
easat-6931	214	12	capital	capital	NOUN
easat-6931	214	13	of	of	ADP
easat-6931	214	14	state	state	NOUN
easat-6931	214	15	-	-	PUNCT
easat-6931	214	16	owned	own	VERB
easat-6931	214	17	commercial	commercial	ADJ
easat-6931	214	18	banks	bank	NOUN
easat-6931	214	19	.	.	PUNCT
easat-6931	215	1	hanoi	hanoi	PROPN
easat-6931	215	2	moi	moi	PROPN
easat-6931	215	3	newspaper	newspaper	PROPN
easat-6931	215	4	,	,	PUNCT
easat-6931	215	5	vietnam	vietnam	PROPN
easat-6931	215	6	,	,	PUNCT
easat-6931	215	7	"	"	PUNCT
easat-6931	215	8	retrieved	retrieve	VERB
easat-6931	215	9	:	:	PUNCT
easat-6931	215	10	https://hanoimoi.vn/de-xuat-giai-phap-tang-von-khoi-ngan-hang-thuong-mai-nha-nuoc433872.html	https://hanoimoi.vn/de-xuat-giai-phap-tang-von-khoi-ngan-hang-thuong-mai-nha-nuoc433872.html	PROPN
easat-6931	215	11	,	,	PUNCT
easat-6931	215	12	2016	2016	NUM
easat-6931	215	13	.	.	PUNCT
easat-6931	216	1	[	[	X
easat-6931	216	2	13	13	NUM
easat-6931	216	3	]	]	X
easat-6931	216	4	l.	l.	PROPN
easat-6931	216	5	t.	t.	PROPN
easat-6931	216	6	tung	tung	PROPN
easat-6931	216	7	,	,	PUNCT
easat-6931	216	8	"	"	PUNCT
easat-6931	216	9	some	some	DET
easat-6931	216	10	recommendations	recommendation	NOUN
easat-6931	216	11	on	on	ADP
easat-6931	216	12	increasing	increase	VERB
easat-6931	216	13	equity	equity	NOUN
easat-6931	216	14	capital	capital	NOUN
easat-6931	216	15	at	at	ADP
easat-6931	216	16	vietnamese	vietnamese	ADJ
easat-6931	216	17	commercial	commercial	ADJ
easat-6931	216	18	banks	bank	NOUN
easat-6931	216	19	,	,	PUNCT
easat-6931	216	20	"	"	PUNCT
easat-6931	216	21	journal	journal	NOUN
easat-6931	216	22	of	of	ADP
easat-6931	216	23	banking	banking	NOUN
easat-6931	216	24	science	science	PROPN
easat-6931	216	25	&	&	CCONJ
easat-6931	216	26	training	training	NOUN
easat-6931	216	27	,	,	PUNCT
easat-6931	216	28	vol	vol	NOUN
easat-6931	216	29	.	.	PROPN
easat-6931	216	30	234	234	NUM
easat-6931	216	31	,	,	PUNCT
easat-6931	216	32	pp	pp	ADJ
easat-6931	216	33	.	.	PUNCT
easat-6931	217	1	45	45	NUM
easat-6931	217	2	-	-	SYM
easat-6931	217	3	59	59	NUM
easat-6931	217	4	,	,	PUNCT
easat-6931	217	5	2021	2021	NUM
easat-6931	217	6	.	.	PUNCT
easat-6931	218	1	[	[	X
easat-6931	218	2	14	14	NUM
easat-6931	218	3	]	]	PUNCT
easat-6931	218	4	k.	k.	PROPN
easat-6931	218	5	nguyễn	nguyễn	PROPN
easat-6931	218	6	,	,	PUNCT
easat-6931	218	7	"	"	PUNCT
easat-6931	218	8	research	research	NOUN
easat-6931	218	9	on	on	ADP
easat-6931	218	10	basel	basel	PROPN
easat-6931	218	11	iii	iii	PROPN
easat-6931	218	12	implementation	implementation	NOUN
easat-6931	218	13	at	at	ADP
easat-6931	218	14	vietnam	vietnam	PROPN
easat-6931	218	15	commercial	commercial	ADJ
easat-6931	218	16	banks	bank	NOUN
easat-6931	218	17	.	.	PUNCT
easat-6931	219	1	state	state	PROPN
easat-6931	219	2	bank	bank	PROPN
easat-6931	219	3	of	of	ADP
easat-6931	219	4	vietnam	vietnam	PROPN
easat-6931	219	5	,	,	PUNCT
easat-6931	219	6	"	"	PUNCT
easat-6931	219	7	retrieved	retrieve	VERB
easat-6931	219	8	:	:	PUNCT
easat-6931	219	9	https://nsti.vista.gov.vn/projects/dth/nghien-cuu-trien-khai-basel-iii-tai-cac-ngan-hang-thuong-maiviet-nam-109940.html	https://nsti.vista.gov.vn/projects/dth/nghien-cuu-trien-khai-basel-iii-tai-cac-ngan-hang-thuong-maiviet-nam-109940.html	NOUN
easat-6931	219	10	,	,	PUNCT
easat-6931	219	11	2024	2024	NUM
easat-6931	219	12	.	.	PUNCT
easat-6931	220	1	[	[	X
easat-6931	220	2	15	15	NUM
easat-6931	220	3	]	]	X
easat-6931	220	4	d.	d.	PROPN
easat-6931	220	5	casier	casier	PROPN
easat-6931	220	6	and	and	CCONJ
easat-6931	220	7	r.	r.	PROPN
easat-6931	220	8	raskopf	raskopf	PROPN
easat-6931	220	9	,	,	PUNCT
easat-6931	220	10	"	"	PUNCT
easat-6931	220	11	basel	basel	NOUN
easat-6931	220	12	framework	framework	NOUN
easat-6931	220	13	implementation	implementation	NOUN
easat-6931	220	14	in	in	ADP
easat-6931	220	15	metac	metac	ADJ
easat-6931	220	16	countries	country	NOUN
easat-6931	220	17	:	:	PUNCT
easat-6931	220	18	practices	practice	NOUN
easat-6931	220	19	,	,	PUNCT
easat-6931	220	20	priorities	priority	NOUN
easat-6931	220	21	,	,	PUNCT
easat-6931	220	22	and	and	CCONJ
easat-6931	220	23	challenges	challenge	VERB
easat-6931	220	24	ahead	ahead	ADV
easat-6931	220	25	.	.	PUNCT
easat-6931	221	1	middle	middle	PROPN
easat-6931	221	2	east	east	PROPN
easat-6931	221	3	regional	regional	ADJ
easat-6931	221	4	technical	technical	ADJ
easat-6931	221	5	assistance	assistance	NOUN
easat-6931	221	6	center	center	NOUN
easat-6931	221	7	,	,	PUNCT
easat-6931	221	8	"	"	PUNCT
easat-6931	221	9	retrieved	retrieve	VERB
easat-6931	221	10	:	:	PUNCT
easat-6931	221	11	https://www.imf.org/en/regional/metac	https://www.imf.org/en/regional/metac	PROPN
easat-6931	221	12	,	,	PUNCT
easat-6931	221	13	2020	2020	NUM
easat-6931	221	14	.	.	PUNCT
easat-6931	222	1	[	[	X
easat-6931	222	2	16	16	NUM
easat-6931	222	3	]	]	X
easat-6931	222	4	p.	p.	NOUN
easat-6931	222	5	chabanel	chabanel	PROPN
easat-6931	222	6	,	,	PUNCT
easat-6931	222	7	"	"	PUNCT
easat-6931	222	8	implementing	implement	VERB
easat-6931	222	9	basel	basel	PROPN
easat-6931	222	10	iii	iii	PROPN
easat-6931	222	11	:	:	PUNCT
easat-6931	222	12	challenges	challenge	NOUN
easat-6931	222	13	,	,	PUNCT
easat-6931	222	14	options	option	NOUN
easat-6931	222	15	&	&	CCONJ
easat-6931	222	16	opportunities	opportunity	NOUN
easat-6931	222	17	.	.	PUNCT
easat-6931	223	1	moody	moody	PROPN
easat-6931	223	2	’s	’s	PART
easat-6931	223	3	analytics	analytic	NOUN
easat-6931	223	4	white	white	PROPN
easat-6931	223	5	paper	paper	NOUN
easat-6931	223	6	,	,	PUNCT
easat-6931	223	7	"	"	PUNCT
easat-6931	223	8	retrieved	retrieve	VERB
easat-6931	223	9	:	:	PUNCT
easat-6931	223	10	https://www.moodysanalytics.com	https://www.moodysanalytics.com	NUM
easat-6931	223	11	,	,	PUNCT
easat-6931	223	12	2011	2011	NUM
easat-6931	223	13	.	.	PUNCT
easat-6931	224	1	[	[	X
easat-6931	224	2	17	17	NUM
easat-6931	224	3	]	]	PUNCT
easat-6931	224	4	a.	a.	NOUN
easat-6931	224	5	suarez	suarez	PROPN
easat-6931	224	6	,	,	PUNCT
easat-6931	224	7	"	"	PUNCT
easat-6931	224	8	basel	basel	PROPN
easat-6931	224	9	iii	iii	PROPN
easat-6931	224	10	in	in	ADP
easat-6931	224	11	chile	chile	PROPN
easat-6931	224	12	:	:	PUNCT
easat-6931	224	13	advantages	advantage	NOUN
easat-6931	224	14	,	,	PUNCT
easat-6931	224	15	disadvantages	disadvantage	NOUN
easat-6931	224	16	and	and	CCONJ
easat-6931	224	17	challenges	challenge	NOUN
easat-6931	224	18	from	from	ADP
easat-6931	224	19	implementing	implement	VERB
easat-6931	224	20	the	the	DET
easat-6931	224	21	new	new	ADJ
easat-6931	224	22	bank	bank	NOUN
easat-6931	224	23	capital	capital	PROPN
easat-6931	224	24	standard	standard	NOUN
easat-6931	224	25	,	,	PUNCT
easat-6931	224	26	"	"	PUNCT
easat-6931	224	27	cgd	cgd	PROPN
easat-6931	224	28	policy	policy	NOUN
easat-6931	224	29	paper	paper	NOUN
easat-6931	224	30	,	,	PUNCT
easat-6931	224	31	no	no	INTJ
easat-6931	224	32	.	.	NOUN
easat-6931	224	33	061	061	PROPN
easat-6931	224	34	.	.	PUNCT
easat-6931	225	1	washington	washington	PROPN
easat-6931	225	2	,	,	PUNCT
easat-6931	225	3	dc	dc	PROPN
easat-6931	225	4	:	:	PUNCT
easat-6931	225	5	center	center	NOUN
easat-6931	225	6	for	for	ADP
easat-6931	225	7	global	global	ADJ
easat-6931	225	8	development	development	NOUN
easat-6931	225	9	,	,	PUNCT
easat-6931	225	10	2015	2015	NUM
easat-6931	225	11	.	.	PUNCT
easat-6931	226	1	[	[	X
easat-6931	226	2	18	18	NUM
easat-6931	226	3	]	]	X
easat-6931	226	4	n.	n.	NOUN
easat-6931	226	5	uprety	uprety	NOUN
easat-6931	226	6	,	,	PUNCT
easat-6931	226	7	"	"	PUNCT
easat-6931	226	8	basel	basel	PROPN
easat-6931	226	9	iii	iii	PROPN
easat-6931	226	10	implementation	implementation	NOUN
easat-6931	226	11	:	:	PUNCT
easat-6931	226	12	challenges	challenge	NOUN
easat-6931	226	13	and	and	CCONJ
easat-6931	226	14	opportunities	opportunity	NOUN
easat-6931	226	15	in	in	ADP
easat-6931	226	16	nepal	nepal	ADJ
easat-6931	226	17	.	.	PUNCT
easat-6931	227	1	research	research	PROPN
easat-6931	227	2	department	department	PROPN
easat-6931	227	3	,	,	PUNCT
easat-6931	227	4	nepal	nepal	PROPN
easat-6931	227	5	rastra	rastra	PROPN
easat-6931	227	6	bank	bank	PROPN
easat-6931	227	7	,	,	PUNCT
easat-6931	227	8	"	"	PUNCT
easat-6931	227	9	retrieved	retrieve	VERB
easat-6931	227	10	:	:	PUNCT
easat-6931	227	11	https://www.nrb.org.np	https://www.nrb.org.np	NOUN
easat-6931	227	12	,	,	PUNCT
easat-6931	227	13	2012	2012	NUM
easat-6931	227	14	.	.	PUNCT
easat-6931	228	1	[	[	X
easat-6931	228	2	19	19	NUM
easat-6931	228	3	]	]	X
easat-6931	228	4	g.	g.	PROPN
easat-6931	228	5	vousinas	vousinas	PROPN
easat-6931	228	6	,	,	PUNCT
easat-6931	228	7	"	"	PUNCT
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easat-6931	228	9	of	of	ADP
easat-6931	228	10	financial	financial	ADJ
easat-6931	228	11	institutions	institution	NOUN
easat-6931	228	12	:	:	PUNCT
easat-6931	228	13	the	the	DET
easat-6931	228	14	transition	transition	NOUN
easat-6931	228	15	from	from	ADP
easat-6931	228	16	basel	basel	PROPN
easat-6931	228	17	i	i	PROPN
easat-6931	228	18	to	to	ADP
easat-6931	228	19	basel	basel	PROPN
easat-6931	228	20	iii	iii	PROPN
easat-6931	228	21	.	.	PUNCT
easat-6931	229	1	a	a	DET
easat-6931	229	2	critical	critical	ADJ
easat-6931	229	3	appraisal	appraisal	NOUN
easat-6931	229	4	of	of	ADP
easat-6931	229	5	the	the	DET
easat-6931	229	6	newly	newly	ADV
easat-6931	229	7	established	establish	VERB
easat-6931	229	8	regulatory	regulatory	ADJ
easat-6931	229	9	framework	framework	NOUN
easat-6931	229	10	,	,	PUNCT
easat-6931	229	11	"	"	PUNCT
easat-6931	229	12	journal	journal	NOUN
easat-6931	229	13	of	of	ADP
easat-6931	229	14	financial	financial	ADJ
easat-6931	229	15	regulation	regulation	NOUN
easat-6931	229	16	and	and	CCONJ
easat-6931	229	17	compliance	compliance	NOUN
easat-6931	229	18	,	,	PUNCT
easat-6931	229	19	vol	vol	NOUN
easat-6931	229	20	.	.	PROPN
easat-6931	229	21	23	23	NUM
easat-6931	229	22	,	,	PUNCT
easat-6931	229	23	no	no	INTJ
easat-6931	229	24	.	.	NOUN
easat-6931	229	25	4	4	NUM
easat-6931	229	26	,	,	PUNCT
easat-6931	229	27	pp	pp	ADJ
easat-6931	229	28	.	.	PUNCT
easat-6931	230	1	383	383	NUM
easat-6931	230	2	-	-	SYM
easat-6931	230	3	402	402	NUM
easat-6931	230	4	,	,	PUNCT
easat-6931	230	5	2015	2015	NUM
easat-6931	230	6	.	.	PUNCT
easat-6931	231	1	https://doi.org/10.1108/jfrc-07-2014-0047	https://doi.org/10.1108/jfrc-07-2014-0047	NOUN
easat-6931	232	1	[	[	X
easat-6931	232	2	20	20	NUM
easat-6931	232	3	]	]	X
easat-6931	232	4	v.	v.	ADP
easat-6931	232	5	t.	t.	PROPN
easat-6931	232	6	nguyen	nguyen	PROPN
easat-6931	232	7	,	,	PUNCT
easat-6931	232	8	"	"	PUNCT
easat-6931	232	9	a	a	DET
easat-6931	232	10	study	study	NOUN
easat-6931	232	11	on	on	ADP
easat-6931	232	12	the	the	DET
easat-6931	232	13	factors	factor	NOUN
easat-6931	232	14	affecting	affect	VERB
easat-6931	232	15	the	the	DET
easat-6931	232	16	operation	operation	NOUN
easat-6931	232	17	of	of	ADP
easat-6931	232	18	credit	credit	NOUN
easat-6931	232	19	institutions	institution	NOUN
easat-6931	232	20	in	in	ADP
easat-6931	232	21	vietnam	vietnam	PROPN
easat-6931	232	22	,	,	PUNCT
easat-6931	232	23	"	"	PUNCT
easat-6931	232	24	2013	2013	NUM
easat-6931	232	25	.	.	PUNCT
easat-6931	233	1	[	[	X
easat-6931	233	2	21	21	NUM
easat-6931	233	3	]	]	PUNCT
easat-6931	233	4	j.	j.	PROPN
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easat-6931	233	7	,	,	PUNCT
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easat-6931	233	9	e.	e.	PROPN
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easat-6931	233	11	,	,	PUNCT
easat-6931	233	12	r.	r.	PROPN
easat-6931	233	13	l.	l.	PROPN
easat-6931	233	14	tatham	tatham	PROPN
easat-6931	233	15	,	,	PUNCT
easat-6931	233	16	and	and	CCONJ
easat-6931	233	17	w.	w.	PROPN
easat-6931	233	18	c.	c.	PROPN
easat-6931	233	19	black	black	PROPN
easat-6931	233	20	,	,	PUNCT
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easat-6931	233	23	analysis	analysis	NOUN
easat-6931	233	24	,	,	PUNCT
easat-6931	233	25	5th	5th	ADJ
easat-6931	233	26	ed	ed	NOUN
easat-6931	233	27	.	.	PUNCT
easat-6931	234	1	upper	upper	ADJ
easat-6931	234	2	saddle	saddle	PROPN
easat-6931	234	3	river	river	PROPN
easat-6931	234	4	,	,	PUNCT
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easat-6931	234	6	:	:	PUNCT
easat-6931	234	7	prentice	prentice	PROPN
easat-6931	234	8	hall	hall	PROPN
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easat-6931	234	10	1998	1998	NUM
easat-6931	234	11	.	.	PUNCT
easat-6931	235	1	[	[	X
easat-6931	235	2	22	22	NUM
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easat-6931	235	5	a.	a.	PROPN
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easat-6931	235	8	"	"	PUNCT
easat-6931	235	9	a	a	DET
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easat-6931	235	15	's	's	PART
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easat-6931	235	17	alpha	alpha	NOUN
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easat-6931	235	19	"	"	PUNCT
easat-6931	235	20	journal	journal	NOUN
easat-6931	235	21	of	of	ADP
easat-6931	235	22	consumer	consumer	NOUN
easat-6931	235	23	research	research	NOUN
easat-6931	235	24	,	,	PUNCT
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easat-6931	235	26	.	.	PROPN
easat-6931	235	27	21	21	NUM
easat-6931	235	28	,	,	PUNCT
easat-6931	235	29	no	no	INTJ
easat-6931	235	30	.	.	NOUN
easat-6931	235	31	2	2	NUM
easat-6931	235	32	,	,	PUNCT
easat-6931	235	33	pp	pp	ADJ
easat-6931	235	34	.	.	PUNCT
easat-6931	235	35	381391	381391	NUM
easat-6931	235	36	,	,	PUNCT
easat-6931	235	37	1994	1994	NUM
easat-6931	235	38	.	.	PUNCT
easat-6931	236	1	https://doi.org/10.1086/209405	https://doi.org/10.1086/209405	PRON
easat-6931	237	1	[	[	X
easat-6931	237	2	23	23	X
easat-6931	237	3	]	]	PUNCT
easat-6931	237	4	t.	t.	PROPN
easat-6931	237	5	hoang	hoang	PROPN
easat-6931	237	6	,	,	PUNCT
easat-6931	237	7	research	research	NOUN
easat-6931	237	8	methodology	methodology	NOUN
easat-6931	237	9	in	in	ADP
easat-6931	237	10	business	business	NOUN
easat-6931	237	11	:	:	PUNCT
easat-6931	237	12	qualitative	qualitative	ADJ
easat-6931	237	13	and	and	CCONJ
easat-6931	237	14	quantitative	quantitative	ADJ
easat-6931	237	15	approaches	approach	NOUN
easat-6931	237	16	.	.	PUNCT
easat-6931	238	1	hanoi	hanoi	PROPN
easat-6931	238	2	,	,	PUNCT
easat-6931	238	3	vietnam	vietnam	PROPN
easat-6931	238	4	:	:	PUNCT
easat-6931	238	5	hanoi	hanoi	PROPN
easat-6931	238	6	university	university	PROPN
easat-6931	238	7	of	of	ADP
easat-6931	238	8	economics	economics	PROPN
easat-6931	238	9	press	press	NOUN
easat-6931	238	10	,	,	PUNCT
easat-6931	238	11	2008	2008	NUM
easat-6931	238	12	.	.	PUNCT
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